Home > Pulaski Bank > Performance and Condition Ratios
Pulaski Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3528% | 5,864 |
| Cost of funding earning assets | 0.1889% | 5,189 |
| Net interest margin | 2.1640% | 5,833 |
| Noninterest income to average assets | 0.8105% | 1,714 |
| Noninterest expense to average assets | 1.4811% | 5,773 |
| Loan and lease loss provision to assets | 0.2074% | 1,022 |
| Net operating income to assets | 0.7135% | 3,774 |
| Return on assets (ROA) | 0.7135% | 3,913 |
| Pretax return on assets | 1.0798% | 3,315 |
| Return on Equity (ROE) | 6.4063% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.4063% | 1,959 |
| Net charge-offs to loans | -0.1064% | 5,593 |
| Credit loss provision to net charge-offs | -233.3028% | 4,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9368% | 5,503 |
| Assets per employee ($millions) | 3.1405% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2683% | 5,869 |
| Loan loss allowance to noncurrent loans | 111.8171% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 4,120 |
| Noncurrent loans to loans | 0.2399% | 4,410 |
| Net loans and leases to total assets | 81.8310% | 644 |
| Net loans and leases to deposits | 118.7918% | 125 |
| Net loans and leases to core deposits | 146.0525% | 153 |
| Total domestic deposits to total assets | 68.8860% | 5,743 |
| Equity capital to assets | 13.2560% | 1,369 |
| Core capital (leverage) ratio | 9.1200% | 4,697 |
| Tier 1 risk-based capital ratio | 10.9117% | 5,418 |
| Total risk-based capital ratio | 11.2015% | 5,764 |
| Memoranda: | ||
| Average total assets | $1,639,558,750 | 470 |
| Average earning assets | $1,483,279,500 | 466 |
| Average equity | $182,608,250 | 458 |
| Average total loans | $1,369,810,500 | 401 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4708% | 6,015 |
| Cost of funding earning assets | 0.1211% | 5,751 |
| Net interest margin | 1.3497% | 6,011 |
| Noninterest income to average assets | 0.4460% | 3,551 |
| Noninterest expense to average assets | 0.8922% | 6,018 |
| Loan and lease loss provision to assets | 0.0734% | 2,673 |
| Net operating income to assets | 0.4632% | 4,828 |
| Return on assets (ROA) | 0.4632% | 4,914 |
| Pretax return on assets | 0.7129% | 4,576 |
| Return on Equity (ROE) | 4.4439% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.4439% | 3,086 |
| Net charge-offs to loans | -0.0523% | 5,390 |
| Credit loss provision to net charge-offs | -167.1309% | 4,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6173% | 5,585 |
| Assets per employee ($millions) | 3.0435% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0724% | 5,996 |
| Loan loss allowance to noncurrent loans | 8.7620% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 2,523 |
| Noncurrent loans to loans | 0.8259% | 2,679 |
| Net loans and leases to total assets | 81.7843% | 650 |
| Net loans and leases to deposits | 111.2930% | 222 |
| Net loans and leases to core deposits | 141.7436% | 173 |
| Total domestic deposits to total assets | 73.4856% | 5,568 |
| Equity capital to assets | 13.2403% | 1,361 |
| Core capital (leverage) ratio | 8.2754% | 5,551 |
| Tier 1 risk-based capital ratio | 10.8972% | 5,482 |
| Total risk-based capital ratio | 10.9763% | 5,885 |
| Memoranda: | ||
| Average total assets | $1,634,392,670 | 472 |
| Average earning assets | $1,492,516,670 | 465 |
| Average equity | $170,346,000 | 482 |
| Average total loans | $1,373,750,000 | 400 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4844% | 4,921 |
| Cost of funding earning assets | 0.4138% | 2,912 |
| Net interest margin | 3.0706% | 4,949 |
| Noninterest income to average assets | 0.8726% | 1,378 |
| Noninterest expense to average assets | 2.7498% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6609% | 3,926 |
| Return on assets (ROA) | 0.6609% | 4,046 |
| Pretax return on assets | 0.9846% | 3,537 |
| Return on Equity (ROE) | 7.3161% | 3,281 |
| Retained earnings to average equity (ytd only) | 3.0014% | 4,011 |
| Net charge-offs to loans | 0.0707% | 1,775 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 16.3644% | 1,623 |
| Efficiency ratio | 72.3940% | 2,743 |
| Assets per employee ($millions) | 3.1232% | 5,370 |
| Cash dividends to net income (ytd only)* | 58.9753% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,949 |
| Loan loss allowance to noncurrent loans | 94.8289% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 1.2954% | 1,662 |
| Noncurrent loans to loans | 1.1803% | 2,049 |
| Net loans and leases to total assets | 84.0852% | 363 |
| Net loans and leases to deposits | 109.5859% | 238 |
| Net loans and leases to core deposits | 146.1989% | 126 |
| Total domestic deposits to total assets | 76.7299% | 5,329 |
| Equity capital to assets | 9.0804% | 5,099 |
| Core capital (leverage) ratio | 9.3464% | 4,437 |
| Tier 1 risk-based capital ratio | 10.6610% | 5,677 |
| Total risk-based capital ratio | 11.8394% | 5,620 |
| Memoranda: | ||
| Average total assets | $1,642,028,500 | 468 |
| Average earning assets | $1,530,382,000 | 457 |
| Average equity | $148,330,500 | 530 |
| Average total loans | $1,398,052,000 | 392 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5660% | 4,761 |
| Cost of funding earning assets | 0.3570% | 3,626 |
| Net interest margin | 3.2090% | 4,599 |
| Noninterest income to average assets | 1.2750% | 735 |
| Noninterest expense to average assets | 2.7197% | 3,517 |
| Loan and lease loss provision to assets | 0.0465% | 3,395 |
| Net operating income to assets | 1.0022% | 2,352 |
| Return on assets (ROA) | 1.0022% | 2,449 |
| Pretax return on assets | 1.4934% | 1,576 |
| Return on Equity (ROE) | 10.5349% | 1,789 |
| Retained earnings to average equity (ytd only) | 6.0695% | 1,757 |
| Net charge-offs to loans | 0.0600% | 3,019 |
| Credit loss provision to net charge-offs | 90.5563% | 2,753 |
| Earnings coverage of net charge-offs (x) | 30.0129% | 1,457 |
| Efficiency ratio | 62.6792% | 4,498 |
| Assets per employee ($millions) | 3.1203% | 5,390 |
| Cash dividends to net income (ytd only)* | 42.3869% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,864 |
| Loan loss allowance to noncurrent loans | 102.6416% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.2284% | 1,755 |
| Noncurrent loans to loans | 1.1018% | 2,135 |
| Net loans and leases to total assets | 84.2822% | 363 |
| Net loans and leases to deposits | 113.7997% | 171 |
| Net loans and leases to core deposits | 147.7608% | 119 |
| Total domestic deposits to total assets | 74.0619% | 5,638 |
| Equity capital to assets | 8.9865% | 5,138 |
| Core capital (leverage) ratio | 9.6377% | 3,995 |
| Tier 1 risk-based capital ratio | 10.6842% | 5,684 |
| Total risk-based capital ratio | 11.8908% | 5,625 |
| Memoranda: | ||
| Average total assets | $1,506,622,600 | 472 |
| Average earning assets | $1,401,256,600 | 466 |
| Average equity | $143,324,000 | 527 |
| Average total loans | $1,288,655,400 | 391 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 4,747 |
| Cost of funding earning assets | 0.3529% | 3,724 |
| Net interest margin | 3.2446% | 4,543 |
| Noninterest income to average assets | 1.3795% | 651 |
| Noninterest expense to average assets | 2.7276% | 3,467 |
| Loan and lease loss provision to assets | 0.1358% | 1,649 |
| Net operating income to assets | 1.0297% | 2,331 |
| Return on assets (ROA) | 1.0297% | 2,419 |
| Pretax return on assets | 1.5307% | 1,600 |
| Return on Equity (ROE) | 10.6599% | 1,840 |
| Retained earnings to average equity (ytd only) | 6.1597% | 2,148 |
| Net charge-offs to loans | 0.1721% | 1,446 |
| Credit loss provision to net charge-offs | 92.1942% | 2,440 |
| Earnings coverage of net charge-offs (x) | 11.3098% | 2,498 |
| Efficiency ratio | 60.8970% | 4,755 |
| Assets per employee ($millions) | 2.9875% | 5,561 |
| Cash dividends to net income (ytd only)* | 42.2164% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 3,520 |
| Loan loss allowance to noncurrent loans | 89.2801% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.5025% | 1,501 |
| Noncurrent loans to loans | 1.3710% | 1,869 |
| Net loans and leases to total assets | 83.8444% | 394 |
| Net loans and leases to deposits | 111.5131% | 221 |
| Net loans and leases to core deposits | 141.7471% | 157 |
| Total domestic deposits to total assets | 75.1879% | 5,605 |
| Equity capital to assets | 9.5786% | 4,660 |
| Core capital (leverage) ratio | 9.8342% | 3,852 |
| Tier 1 risk-based capital ratio | 11.1570% | 5,571 |
| Total risk-based capital ratio | 12.4073% | 5,464 |
| Memoranda: | ||
| Average total assets | $1,472,184,500 | 489 |
| Average earning assets | $1,367,837,750 | 474 |
| Average equity | $142,212,250 | 533 |
| Average total loans | $1,260,377,250 | 399 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5824% | 4,770 |
| Cost of funding earning assets | 0.3476% | 3,836 |
| Net interest margin | 3.2348% | 4,546 |
| Noninterest income to average assets | 1.4325% | 620 |
| Noninterest expense to average assets | 2.7207% | 3,524 |
| Loan and lease loss provision to assets | 0.1374% | 1,593 |
| Net operating income to assets | 1.0475% | 2,150 |
| Return on assets (ROA) | 1.0475% | 2,258 |
| Pretax return on assets | 1.5774% | 1,396 |
| Return on Equity (ROE) | 10.8120% | 1,745 |
| Retained earnings to average equity (ytd only) | 6.2751% | 2,074 |
| Net charge-offs to loans | 0.1251% | 1,756 |
| Credit loss provision to net charge-offs | 127.8772% | 1,721 |
| Earnings coverage of net charge-offs (x) | 15.9642% | 1,936 |
| Efficiency ratio | 60.1530% | 4,953 |
| Assets per employee ($millions) | 3.1708% | 5,384 |
| Cash dividends to net income (ytd only)* | 41.9617% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 3,667 |
| Loan loss allowance to noncurrent loans | 86.3685% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.5972% | 1,511 |
| Noncurrent loans to loans | 1.4138% | 1,902 |
| Net loans and leases to total assets | 83.7121% | 394 |
| Net loans and leases to deposits | 112.2983% | 219 |
| Net loans and leases to core deposits | 143.9142% | 143 |
| Total domestic deposits to total assets | 74.5444% | 5,742 |
| Equity capital to assets | 9.1989% | 5,018 |
| Core capital (leverage) ratio | 9.8324% | 3,824 |
| Tier 1 risk-based capital ratio | 10.9539% | 5,737 |
| Total risk-based capital ratio | 12.2044% | 5,648 |
| Memoranda: | ||
| Average total assets | $1,456,040,000 | 494 |
| Average earning assets | $1,351,657,330 | 480 |
| Average equity | $141,065,000 | 537 |
| Average total loans | $1,250,252,330 | 403 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5843% | 4,741 |
| Cost of funding earning assets | 0.3574% | 3,781 |
| Net interest margin | 3.2269% | 4,493 |
| Noninterest income to average assets | 1.1948% | 796 |
| Noninterest expense to average assets | 2.8375% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9065% | 2,715 |
| Return on assets (ROA) | 0.9065% | 2,839 |
| Pretax return on assets | 1.3490% | 2,080 |
| Return on Equity (ROE) | 9.1016% | 2,399 |
| Retained earnings to average equity (ytd only) | 4.5250% | 3,311 |
| Net charge-offs to loans | 0.0731% | 1,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 21.3288% | 1,382 |
| Efficiency ratio | 66.4852% | 4,068 |
| Assets per employee ($millions) | 2.8983% | 5,784 |
| Cash dividends to net income (ytd only)* | 50.2828% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 3,430 |
| Loan loss allowance to noncurrent loans | 75.4021% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.9905% | 1,190 |
| Noncurrent loans to loans | 1.7170% | 1,594 |
| Net loans and leases to total assets | 86.6045% | 160 |
| Net loans and leases to deposits | 105.9262% | 318 |
| Net loans and leases to core deposits | 137.6481% | 172 |
| Total domestic deposits to total assets | 81.7593% | 4,582 |
| Equity capital to assets | 10.1742% | 3,917 |
| Core capital (leverage) ratio | 10.1090% | 3,461 |
| Tier 1 risk-based capital ratio | 11.4629% | 5,577 |
| Total risk-based capital ratio | 12.7141% | 5,489 |
| Memoranda: | ||
| Average total assets | $1,404,036,500 | 509 |
| Average earning assets | $1,301,674,500 | 500 |
| Average equity | $139,844,000 | 543 |
| Average total loans | $1,214,332,500 | 412 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,628 |
| Cost of funding earning assets | 0.3537% | 4,213 |
| Net interest margin | 3.4031% | 4,187 |
| Noninterest income to average assets | 0.9338% | 1,404 |
| Noninterest expense to average assets | 2.6082% | 4,183 |
| Loan and lease loss provision to assets | 0.1109% | 2,313 |
| Net operating income to assets | 0.9170% | 2,793 |
| Return on assets (ROA) | 0.9170% | 2,889 |
| Pretax return on assets | 1.3588% | 2,046 |
| Return on Equity (ROE) | 9.2072% | 2,481 |
| Retained earnings to average equity (ytd only) | 4.5619% | 2,929 |
| Net charge-offs to loans | 0.2876% | 1,509 |
| Credit loss provision to net charge-offs | 46.4044% | 3,558 |
| Earnings coverage of net charge-offs (x) | 6.1500% | 3,260 |
| Efficiency ratio | 62.5918% | 4,812 |
| Assets per employee ($millions) | 3.0592% | 5,621 |
| Cash dividends to net income (ytd only)* | 50.4525% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 3,366 |
| Loan loss allowance to noncurrent loans | 71.7970% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.0976% | 1,181 |
| Noncurrent loans to loans | 1.8247% | 1,569 |
| Net loans and leases to total assets | 84.1576% | 333 |
| Net loans and leases to deposits | 108.9974% | 268 |
| Net loans and leases to core deposits | 139.5900% | 170 |
| Total domestic deposits to total assets | 77.2107% | 5,568 |
| Equity capital to assets | 9.7526% | 4,413 |
| Core capital (leverage) ratio | 9.5054% | 4,226 |
| Tier 1 risk-based capital ratio | 11.9992% | 5,368 |
| Total risk-based capital ratio | 13.2517% | 5,267 |
| Memoranda: | ||
| Average total assets | $1,361,682,200 | 505 |
| Average earning assets | $1,258,031,400 | 498 |
| Average equity | $135,622,400 | 533 |
| Average total loans | $1,131,290,800 | 416 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 4,630 |
| Cost of funding earning assets | 0.3532% | 4,308 |
| Net interest margin | 3.4248% | 4,128 |
| Noninterest income to average assets | 0.8639% | 1,644 |
| Noninterest expense to average assets | 2.5989% | 4,200 |
| Loan and lease loss provision to assets | 0.1001% | 2,369 |
| Net operating income to assets | 0.9022% | 2,906 |
| Return on assets (ROA) | 0.9022% | 2,998 |
| Pretax return on assets | 1.3262% | 2,282 |
| Return on Equity (ROE) | 9.0087% | 2,680 |
| Retained earnings to average equity (ytd only) | 4.3589% | 3,553 |
| Net charge-offs to loans | 0.3244% | 1,235 |
| Credit loss provision to net charge-offs | 37.3936% | 3,330 |
| Earnings coverage of net charge-offs (x) | 5.3295% | 3,292 |
| Efficiency ratio | 63.1517% | 4,696 |
| Assets per employee ($millions) | 3.1277% | 5,547 |
| Cash dividends to net income (ytd only)* | 51.6143% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 3,301 |
| Loan loss allowance to noncurrent loans | 58.8465% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 2.3892% | 1,135 |
| Noncurrent loans to loans | 2.3274% | 1,284 |
| Net loans and leases to total assets | 83.4231% | 371 |
| Net loans and leases to deposits | 112.1009% | 180 |
| Net loans and leases to core deposits | 139.1197% | 156 |
| Total domestic deposits to total assets | 74.4179% | 5,979 |
| Equity capital to assets | 9.9523% | 4,224 |
| Core capital (leverage) ratio | 9.6959% | 4,079 |
| Tier 1 risk-based capital ratio | 12.2044% | 5,364 |
| Total risk-based capital ratio | 13.4574% | 5,280 |
| Memoranda: | ||
| Average total assets | $1,345,709,250 | 510 |
| Average earning assets | $1,242,178,000 | 503 |
| Average equity | $134,770,500 | 538 |
| Average total loans | $1,110,199,750 | 420 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7526% | 4,681 |
| Cost of funding earning assets | 0.3549% | 4,379 |
| Net interest margin | 3.3977% | 4,184 |
| Noninterest income to average assets | 0.8477% | 1,669 |
| Noninterest expense to average assets | 2.6518% | 4,050 |
| Loan and lease loss provision to assets | 0.1049% | 2,270 |
| Net operating income to assets | 0.8249% | 3,208 |
| Return on assets (ROA) | 0.8249% | 3,304 |
| Pretax return on assets | 1.2229% | 2,561 |
| Return on Equity (ROE) | 8.2188% | 2,975 |
| Retained earnings to average equity (ytd only) | 3.5898% | 3,906 |
| Net charge-offs to loans | 0.2820% | 1,409 |
| Credit loss provision to net charge-offs | 45.4841% | 2,856 |
| Earnings coverage of net charge-offs (x) | 5.7570% | 2,874 |
| Efficiency ratio | 65.1955% | 4,485 |
| Assets per employee ($millions) | 3.0119% | 5,737 |
| Cash dividends to net income (ytd only)* | 56.3227% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 3,069 |
| Loan loss allowance to noncurrent loans | 67.2662% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 2.3746% | 1,229 |
| Noncurrent loans to loans | 2.1720% | 1,518 |
| Net loans and leases to total assets | 82.6501% | 405 |
| Net loans and leases to deposits | 112.4205% | 159 |
| Net loans and leases to core deposits | 133.8258% | 187 |
| Total domestic deposits to total assets | 73.5187% | 6,152 |
| Equity capital to assets | 9.8499% | 4,292 |
| Core capital (leverage) ratio | 9.5912% | 4,189 |
| Tier 1 risk-based capital ratio | 12.0755% | 5,497 |
| Total risk-based capital ratio | 13.3297% | 5,423 |
| Memoranda: | ||
| Average total assets | $1,334,509,330 | 517 |
| Average earning assets | $1,230,124,000 | 508 |
| Average equity | $133,936,330 | 541 |
| Average total loans | $1,091,386,000 | 424 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7125% | 4,803 |
| Cost of funding earning assets | 0.3655% | 4,373 |
| Net interest margin | 3.3470% | 4,343 |
| Noninterest income to average assets | 0.7838% | 1,824 |
| Noninterest expense to average assets | 2.6563% | 4,092 |
| Loan and lease loss provision to assets | 0.1521% | 1,593 |
| Net operating income to assets | 0.7045% | 3,665 |
| Return on assets (ROA) | 0.7045% | 3,744 |
| Pretax return on assets | 1.0643% | 3,066 |
| Return on Equity (ROE) | 6.9516% | 3,502 |
| Retained earnings to average equity (ytd only) | 2.4493% | 4,602 |
| Net charge-offs to loans | 0.5055% | 729 |
| Credit loss provision to net charge-offs | 37.2856% | 2,326 |
| Earnings coverage of net charge-offs (x) | 2.9821% | 2,755 |
| Efficiency ratio | 67.1065% | 4,347 |
| Assets per employee ($millions) | 3.1093% | 5,672 |
| Cash dividends to net income (ytd only)* | 64.7668% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 2,783 |
| Loan loss allowance to noncurrent loans | 53.2799% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 2.8531% | 1,027 |
| Noncurrent loans to loans | 2.9684% | 1,080 |
| Net loans and leases to total assets | 78.3300% | 730 |
| Net loans and leases to deposits | 101.2584% | 390 |
| Net loans and leases to core deposits | 121.4611% | 296 |
| Total domestic deposits to total assets | 77.3565% | 5,922 |
| Equity capital to assets | 9.9983% | 3,845 |
| Core capital (leverage) ratio | 9.7336% | 3,947 |
| Tier 1 risk-based capital ratio | 12.6074% | 5,250 |
| Total risk-based capital ratio | 13.8627% | 5,184 |
| Memoranda: | ||
| Average total assets | $1,315,059,500 | 524 |
| Average earning assets | $1,213,625,500 | 514 |
| Average equity | $133,264,500 | 545 |
| Average total loans | $1,061,102,000 | 431 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9680% | 4,206 |
| Cost of funding earning assets | 0.4463% | 4,147 |
| Net interest margin | 3.5218% | 3,798 |
| Noninterest income to average assets | 1.2781% | 846 |
| Noninterest expense to average assets | 2.6309% | 4,353 |
| Loan and lease loss provision to assets | 0.7693% | 282 |
| Net operating income to assets | 0.7496% | 3,553 |
| Return on assets (ROA) | 0.7496% | 3,648 |
| Pretax return on assets | 1.1217% | 2,878 |
| Return on Equity (ROE) | 7.3692% | 3,372 |
| Retained earnings to average equity (ytd only) | -1.5067% | 6,125 |
| Net charge-offs to loans | 0.9462% | 634 |
| Credit loss provision to net charge-offs | 97.2698% | 2,557 |
| Earnings coverage of net charge-offs (x) | 2.3909% | 4,210 |
| Efficiency ratio | 57.0815% | 5,842 |
| Assets per employee ($millions) | 2.8483% | 6,043 |
| Cash dividends to net income (ytd only)* | 120.4456% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 2,501 |
| Loan loss allowance to noncurrent loans | 55.4110% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 2.9107% | 1,096 |
| Noncurrent loans to loans | 3.0137% | 1,146 |
| Net loans and leases to total assets | 80.4592% | 547 |
| Net loans and leases to deposits | 100.8011% | 445 |
| Net loans and leases to core deposits | 121.9894% | 300 |
| Total domestic deposits to total assets | 79.8197% | 5,487 |
| Equity capital to assets | 10.2738% | 3,419 |
| Core capital (leverage) ratio | 10.0009% | 3,580 |
| Tier 1 risk-based capital ratio | 12.7715% | 5,133 |
| Total risk-based capital ratio | 14.0282% | 5,076 |
| Memoranda: | ||
| Average total assets | $1,329,070,800 | 499 |
| Average earning assets | $1,224,180,600 | 490 |
| Average equity | $135,197,600 | 533 |
| Average total loans | $1,110,917,400 | 397 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0226% | 4,044 |
| Cost of funding earning assets | 0.4619% | 4,151 |
| Net interest margin | 3.5606% | 3,616 |
| Noninterest income to average assets | 1.4413% | 711 |
| Noninterest expense to average assets | 2.6331% | 4,265 |
| Loan and lease loss provision to assets | 0.9989% | 167 |
| Net operating income to assets | 0.7267% | 3,721 |
| Return on assets (ROA) | 0.7267% | 3,846 |
| Pretax return on assets | 1.0872% | 3,163 |
| Return on Equity (ROE) | 7.1612% | 3,553 |
| Retained earnings to average equity (ytd only) | -3.1490% | 6,368 |
| Net charge-offs to loans | 1.1477% | 480 |
| Credit loss provision to net charge-offs | 103.6069% | 2,261 |
| Earnings coverage of net charge-offs (x) | 2.1637% | 4,117 |
| Efficiency ratio | 54.7898% | 6,035 |
| Assets per employee ($millions) | 2.8081% | 6,137 |
| Cash dividends to net income (ytd only)* | 143.9736% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7383% | 2,495 |
| Loan loss allowance to noncurrent loans | 57.0121% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 3.0202% | 1,223 |
| Noncurrent loans to loans | 3.0491% | 1,309 |
| Net loans and leases to total assets | 81.1656% | 435 |
| Net loans and leases to deposits | 101.8731% | 386 |
| Net loans and leases to core deposits | 120.4368% | 313 |
| Total domestic deposits to total assets | 79.6732% | 5,589 |
| Equity capital to assets | 10.3301% | 3,471 |
| Core capital (leverage) ratio | 10.0522% | 3,599 |
| Tier 1 risk-based capital ratio | 12.7732% | 5,278 |
| Total risk-based capital ratio | 14.0308% | 5,209 |
| Memoranda: | ||
| Average total assets | $1,338,053,750 | 499 |
| Average earning assets | $1,231,851,000 | 490 |
| Average equity | $135,783,500 | 537 |
| Average total loans | $1,124,117,000 | 391 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 3,988 |
| Cost of funding earning assets | 0.4788% | 4,113 |
| Net interest margin | 3.5555% | 3,540 |
| Noninterest income to average assets | 1.4657% | 734 |
| Noninterest expense to average assets | 2.6016% | 4,381 |
| Loan and lease loss provision to assets | 0.4672% | 608 |
| Net operating income to assets | 1.0916% | 1,948 |
| Return on assets (ROA) | 1.0916% | 2,070 |
| Pretax return on assets | 1.6717% | 1,182 |
| Return on Equity (ROE) | 10.8177% | 1,873 |
| Retained earnings to average equity (ytd only) | 6.4428% | 2,177 |
| Net charge-offs to loans | 0.4445% | 1,470 |
| Credit loss provision to net charge-offs | 124.4610% | 1,813 |
| Earnings coverage of net charge-offs (x) | 5.6978% | 2,843 |
| Efficiency ratio | 53.9269% | 6,151 |
| Assets per employee ($millions) | 2.9345% | 5,961 |
| Cash dividends to net income (ytd only)* | 40.4422% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6378% | 3,019 |
| Loan loss allowance to noncurrent loans | 55.6567% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 3.2026% | 1,240 |
| Noncurrent loans to loans | 2.9427% | 1,521 |
| Net loans and leases to total assets | 82.8487% | 301 |
| Net loans and leases to deposits | 106.5461% | 213 |
| Net loans and leases to core deposits | 126.9403% | 210 |
| Total domestic deposits to total assets | 77.7585% | 6,018 |
| Equity capital to assets | 10.3427% | 3,499 |
| Core capital (leverage) ratio | 10.0802% | 3,400 |
| Tier 1 risk-based capital ratio | 12.8965% | 5,225 |
| Total risk-based capital ratio | 14.1529% | 5,153 |
| Memoranda: | ||
| Average total assets | $1,359,111,000 | 495 |
| Average earning assets | $1,251,815,670 | 484 |
| Average equity | $137,145,670 | 535 |
| Average total loans | $1,147,799,000 | 383 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0675% | 3,857 |
| Cost of funding earning assets | 0.4992% | 4,101 |
| Net interest margin | 3.5683% | 3,391 |
| Noninterest income to average assets | 1.4243% | 751 |
| Noninterest expense to average assets | 2.6118% | 4,365 |
| Loan and lease loss provision to assets | 0.4029% | 766 |
| Net operating income to assets | 1.0964% | 1,867 |
| Return on assets (ROA) | 1.0964% | 1,975 |
| Pretax return on assets | 1.6935% | 1,096 |
| Return on Equity (ROE) | 11.0007% | 1,708 |
| Retained earnings to average equity (ytd only) | 6.5910% | 2,373 |
| Net charge-offs to loans | 0.2509% | 1,952 |
| Credit loss provision to net charge-offs | 189.9171% | 1,138 |
| Earnings coverage of net charge-offs (x) | 9.8826% | 1,795 |
| Efficiency ratio | 54.5585% | 6,186 |
| Assets per employee ($millions) | 3.0389% | 5,912 |
| Cash dividends to net income (ytd only)* | 40.0855% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6385% | 3,243 |
| Loan loss allowance to noncurrent loans | 51.3013% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 3.3418% | 1,302 |
| Noncurrent loans to loans | 3.1939% | 1,540 |
| Net loans and leases to total assets | 82.7901% | 250 |
| Net loans and leases to deposits | 101.6584% | 293 |
| Net loans and leases to core deposits | 124.5206% | 221 |
| Total domestic deposits to total assets | 81.4395% | 5,385 |
| Equity capital to assets | 10.1665% | 3,937 |
| Core capital (leverage) ratio | 9.9008% | 3,530 |
| Tier 1 risk-based capital ratio | 12.6503% | 5,473 |
| Total risk-based capital ratio | 13.9066% | 5,425 |
| Memoranda: | ||
| Average total assets | $1,365,205,500 | 495 |
| Average earning assets | $1,256,401,500 | 485 |
| Average equity | $136,064,500 | 548 |
| Average total loans | $1,154,454,500 | 385 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 3,851 |
| Cost of funding earning assets | 0.6056% | 4,288 |
| Net interest margin | 3.7844% | 3,295 |
| Noninterest income to average assets | 1.0622% | 1,374 |
| Noninterest expense to average assets | 2.4267% | 5,338 |
| Loan and lease loss provision to assets | 1.0056% | 413 |
| Net operating income to assets | 0.7561% | 3,483 |
| Return on assets (ROA) | 0.7561% | 3,724 |
| Pretax return on assets | 1.0902% | 3,195 |
| Return on Equity (ROE) | 7.4268% | 3,385 |
| Retained earnings to average equity (ytd only) | -2.4395% | 6,219 |
| Net charge-offs to loans | 1.8596% | 420 |
| Credit loss provision to net charge-offs | 63.3080% | 4,364 |
| Earnings coverage of net charge-offs (x) | 1.3194% | 4,804 |
| Efficiency ratio | 52.7369% | 6,399 |
| Assets per employee ($millions) | 3.0624% | 5,916 |
| Cash dividends to net income (ytd only)* | 132.8479% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 3,613 |
| Loan loss allowance to noncurrent loans | 42.1190% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 3.7872% | 1,163 |
| Noncurrent loans to loans | 3.6339% | 1,348 |
| Net loans and leases to total assets | 83.6469% | 236 |
| Net loans and leases to deposits | 100.7360% | 384 |
| Net loans and leases to core deposits | 119.7868% | 286 |
| Total domestic deposits to total assets | 83.0358% | 4,713 |
| Equity capital to assets | 9.7713% | 4,496 |
| Core capital (leverage) ratio | 9.5089% | 4,091 |
| Tier 1 risk-based capital ratio | 12.3125% | 5,593 |
| Total risk-based capital ratio | 13.5679% | 5,541 |
| Memoranda: | ||
| Average total assets | $1,343,991,000 | 495 |
| Average earning assets | $1,228,876,000 | 490 |
| Average equity | $136,829,400 | 528 |
| Average total loans | $1,147,981,000 | 382 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 3,855 |
| Cost of funding earning assets | 0.6317% | 4,348 |
| Net interest margin | 3.8125% | 3,282 |
| Noninterest income to average assets | 1.0427% | 1,391 |
| Noninterest expense to average assets | 2.3881% | 5,433 |
| Loan and lease loss provision to assets | 1.1438% | 331 |
| Net operating income to assets | 0.6933% | 3,943 |
| Return on assets (ROA) | 0.6933% | 4,197 |
| Pretax return on assets | 0.9904% | 3,751 |
| Return on Equity (ROE) | 6.7394% | 3,940 |
| Retained earnings to average equity (ytd only) | -4.9138% | 6,609 |
| Net charge-offs to loans | 2.3502% | 270 |
| Credit loss provision to net charge-offs | 56.8972% | 4,241 |
| Earnings coverage of net charge-offs (x) | 1.0616% | 4,780 |
| Efficiency ratio | 51.8975% | 6,454 |
| Assets per employee ($millions) | 3.2362% | 5,569 |
| Cash dividends to net income (ytd only)* | 172.9107% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 3,961 |
| Loan loss allowance to noncurrent loans | 35.4184% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 4.6261% | 991 |
| Noncurrent loans to loans | 4.2290% | 1,162 |
| Net loans and leases to total assets | 83.6141% | 245 |
| Net loans and leases to deposits | 101.4709% | 381 |
| Net loans and leases to core deposits | 119.4796% | 322 |
| Total domestic deposits to total assets | 82.4021% | 4,875 |
| Equity capital to assets | 9.8964% | 4,646 |
| Core capital (leverage) ratio | 9.6273% | 4,085 |
| Tier 1 risk-based capital ratio | 12.3256% | 5,750 |
| Total risk-based capital ratio | 13.5803% | 5,722 |
| Memoranda: | ||
| Average total assets | $1,334,703,250 | 501 |
| Average earning assets | $1,218,135,750 | 494 |
| Average equity | $137,298,000 | 528 |
| Average total loans | $1,141,666,250 | 385 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 3,809 |
| Cost of funding earning assets | 0.6494% | 4,446 |
| Net interest margin | 3.8410% | 3,172 |
| Noninterest income to average assets | 1.0512% | 1,313 |
| Noninterest expense to average assets | 2.3698% | 5,565 |
| Loan and lease loss provision to assets | 1.2774% | 311 |
| Net operating income to assets | 0.6339% | 4,203 |
| Return on assets (ROA) | 0.6339% | 4,450 |
| Pretax return on assets | 0.9078% | 4,048 |
| Return on Equity (ROE) | 6.0842% | 4,286 |
| Retained earnings to average equity (ytd only) | 1.7569% | 5,317 |
| Net charge-offs to loans | 2.8545% | 216 |
| Credit loss provision to net charge-offs | 52.1825% | 3,991 |
| Earnings coverage of net charge-offs (x) | 0.8927% | 4,597 |
| Efficiency ratio | 51.1514% | 6,567 |
| Assets per employee ($millions) | 3.3869% | 5,233 |
| Cash dividends to net income (ytd only)* | 71.1238% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5903% | 3,637 |
| Loan loss allowance to noncurrent loans | 37.0254% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 4.8204% | 1,005 |
| Noncurrent loans to loans | 4.2952% | 1,257 |
| Net loans and leases to total assets | 82.8434% | 275 |
| Net loans and leases to deposits | 97.7011% | 546 |
| Net loans and leases to core deposits | 117.1713% | 363 |
| Total domestic deposits to total assets | 84.7927% | 3,950 |
| Equity capital to assets | 10.3752% | 3,842 |
| Core capital (leverage) ratio | 10.1070% | 3,265 |
| Tier 1 risk-based capital ratio | 12.8751% | 5,272 |
| Total risk-based capital ratio | 14.1308% | 5,244 |
| Memoranda: | ||
| Average total assets | $1,330,851,000 | 506 |
| Average earning assets | $1,213,996,330 | 498 |
| Average equity | $138,653,670 | 518 |
| Average total loans | $1,141,295,000 | 382 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6109% | 3,452 |
| Cost of funding earning assets | 0.6810% | 4,450 |
| Net interest margin | 3.9298% | 2,803 |
| Noninterest income to average assets | 0.9765% | 1,495 |
| Noninterest expense to average assets | 2.3013% | 5,764 |
| Loan and lease loss provision to assets | 1.6617% | 197 |
| Net operating income to assets | 0.4193% | 5,171 |
| Return on assets (ROA) | 0.4193% | 5,363 |
| Pretax return on assets | 0.5928% | 5,144 |
| Return on Equity (ROE) | 4.0166% | 5,288 |
| Retained earnings to average equity (ytd only) | -0.3241% | 6,049 |
| Net charge-offs to loans | 4.5502% | 118 |
| Credit loss provision to net charge-offs | 42.1909% | 3,414 |
| Earnings coverage of net charge-offs (x) | 0.5724% | 4,049 |
| Efficiency ratio | 49.6386% | 6,693 |
| Assets per employee ($millions) | 3.4189% | 5,300 |
| Cash dividends to net income (ytd only)* | 108.0692% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 3,693 |
| Loan loss allowance to noncurrent loans | 36.9567% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 5.0468% | 1,029 |
| Noncurrent loans to loans | 4.3498% | 1,369 |
| Net loans and leases to total assets | 84.8818% | 158 |
| Net loans and leases to deposits | 100.2545% | 362 |
| Net loans and leases to core deposits | 119.7214% | 316 |
| Total domestic deposits to total assets | 84.6663% | 4,178 |
| Equity capital to assets | 10.4976% | 3,493 |
| Core capital (leverage) ratio | 10.2232% | 3,080 |
| Tier 1 risk-based capital ratio | 12.7000% | 5,445 |
| Total risk-based capital ratio | 13.9560% | 5,395 |
| Memoranda: | ||
| Average total assets | $1,323,974,000 | 508 |
| Average earning assets | $1,205,849,500 | 501 |
| Average equity | $138,227,500 | 518 |
| Average total loans | $1,145,983,500 | 378 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7074% | 4,210 |
| Cost of funding earning assets | 0.9156% | 4,000 |
| Net interest margin | 3.7918% | 3,865 |
| Noninterest income to average assets | 0.8680% | 1,780 |
| Noninterest expense to average assets | 2.5256% | 5,375 |
| Loan and lease loss provision to assets | 0.9963% | 949 |
| Net operating income to assets | 0.5798% | 4,099 |
| Return on assets (ROA) | 0.5798% | 4,283 |
| Pretax return on assets | 0.8087% | 3,951 |
| Return on Equity (ROE) | 5.7442% | 4,009 |
| Retained earnings to average equity (ytd only) | 1.3571% | 5,213 |
| Net charge-offs to loans | 1.3614% | 1,211 |
| Credit loss provision to net charge-offs | 86.3282% | 4,188 |
| Earnings coverage of net charge-offs (x) | 1.5639% | 4,600 |
| Efficiency ratio | 57.6809% | 6,090 |
| Assets per employee ($millions) | 3.4322% | 5,175 |
| Cash dividends to net income (ytd only)* | 76.3747% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 4,235 |
| Loan loss allowance to noncurrent loans | 36.6125% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 4.6310% | 1,181 |
| Noncurrent loans to loans | 3.9608% | 1,579 |
| Net loans and leases to total assets | 85.5815% | 144 |
| Net loans and leases to deposits | 100.8682% | 419 |
| Net loans and leases to core deposits | 118.8981% | 377 |
| Total domestic deposits to total assets | 84.8448% | 3,928 |
| Equity capital to assets | 10.3838% | 3,678 |
| Core capital (leverage) ratio | 10.1093% | 3,214 |
| Tier 1 risk-based capital ratio | 12.3329% | 5,593 |
| Total risk-based capital ratio | 13.5865% | 5,561 |
| Memoranda: | ||
| Average total assets | $1,354,957,600 | 484 |
| Average earning assets | $1,237,320,600 | 481 |
| Average equity | $136,763,200 | 508 |
| Average total loans | $1,148,642,600 | 373 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 4,613 |
| Cost of funding earning assets | 0.9570% | 3,988 |
| Net interest margin | 3.7074% | 4,303 |
| Noninterest income to average assets | 0.8276% | 1,934 |
| Noninterest expense to average assets | 2.5327% | 5,342 |
| Loan and lease loss provision to assets | 1.0288% | 825 |
| Net operating income to assets | 0.4788% | 4,641 |
| Return on assets (ROA) | 0.4788% | 4,839 |
| Pretax return on assets | 0.6529% | 4,639 |
| Return on Equity (ROE) | 4.7776% | 4,623 |
| Retained earnings to average equity (ytd only) | 0.3783% | 5,838 |
| Net charge-offs to loans | 1.4732% | 992 |
| Credit loss provision to net charge-offs | 82.8729% | 4,039 |
| Earnings coverage of net charge-offs (x) | 1.3547% | 4,603 |
| Efficiency ratio | 59.4564% | 5,798 |
| Assets per employee ($millions) | 3.1910% | 5,703 |
| Cash dividends to net income (ytd only)* | 92.0810% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 4,053 |
| Loan loss allowance to noncurrent loans | 36.9030% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 4.8974% | 1,182 |
| Noncurrent loans to loans | 4.0890% | 1,622 |
| Net loans and leases to total assets | 83.5009% | 256 |
| Net loans and leases to deposits | 96.7597% | 658 |
| Net loans and leases to core deposits | 114.3900% | 543 |
| Total domestic deposits to total assets | 86.2972% | 3,039 |
| Equity capital to assets | 10.4564% | 3,764 |
| Core capital (leverage) ratio | 10.1769% | 3,216 |
| Tier 1 risk-based capital ratio | 12.3402% | 5,631 |
| Total risk-based capital ratio | 13.5940% | 5,611 |
| Memoranda: | ||
| Average total assets | $1,360,776,750 | 492 |
| Average earning assets | $1,243,102,000 | 484 |
| Average equity | $136,384,250 | 515 |
| Average total loans | $1,146,692,750 | 372 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6253% | 4,869 |
| Cost of funding earning assets | 0.9846% | 4,054 |
| Net interest margin | 3.6406% | 4,563 |
| Noninterest income to average assets | 0.7477% | 2,269 |
| Noninterest expense to average assets | 2.4431% | 5,722 |
| Loan and lease loss provision to assets | 1.0883% | 756 |
| Net operating income to assets | 0.4066% | 4,912 |
| Return on assets (ROA) | 0.4066% | 5,074 |
| Pretax return on assets | 0.5488% | 4,906 |
| Return on Equity (ROE) | 4.1132% | 4,878 |
| Retained earnings to average equity (ytd only) | -0.2907% | 5,906 |
| Net charge-offs to loans | 1.5395% | 959 |
| Credit loss provision to net charge-offs | 84.0524% | 3,644 |
| Earnings coverage of net charge-offs (x) | 1.2644% | 4,342 |
| Efficiency ratio | 59.2396% | 5,993 |
| Assets per employee ($millions) | 3.0176% | 6,048 |
| Cash dividends to net income (ytd only)* | 107.0664% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 3,572 |
| Loan loss allowance to noncurrent loans | 31.8999% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 5.0117% | 1,219 |
| Noncurrent loans to loans | 5.1164% | 1,265 |
| Net loans and leases to total assets | 79.1873% | 622 |
| Net loans and leases to deposits | 91.3806% | 1,122 |
| Net loans and leases to core deposits | 109.4035% | 738 |
| Total domestic deposits to total assets | 86.6566% | 2,953 |
| Equity capital to assets | 10.2351% | 3,836 |
| Core capital (leverage) ratio | 9.9592% | 3,314 |
| Tier 1 risk-based capital ratio | 12.3106% | 5,512 |
| Total risk-based capital ratio | 13.5652% | 5,483 |
| Memoranda: | ||
| Average total assets | $1,378,271,670 | 492 |
| Average earning assets | $1,261,589,670 | 484 |
| Average equity | $136,245,670 | 514 |
| Average total loans | $1,159,199,670 | 377 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6406% | 4,782 |
| Cost of funding earning assets | 1.0030% | 4,182 |
| Net interest margin | 3.6376% | 4,381 |
| Noninterest income to average assets | 0.7155% | 2,484 |
| Noninterest expense to average assets | 2.5811% | 5,293 |
| Loan and lease loss provision to assets | 0.9986% | 769 |
| Net operating income to assets | 0.3404% | 5,224 |
| Return on assets (ROA) | 0.3404% | 5,301 |
| Pretax return on assets | 0.4699% | 5,123 |
| Return on Equity (ROE) | 3.5020% | 5,140 |
| Retained earnings to average equity (ytd only) | -0.9012% | 5,962 |
| Net charge-offs to loans | 1.5769% | 858 |
| Credit loss provision to net charge-offs | 73.7930% | 3,286 |
| Earnings coverage of net charge-offs (x) | 1.0852% | 3,854 |
| Efficiency ratio | 63.1041% | 5,506 |
| Assets per employee ($millions) | 2.9395% | 6,255 |
| Cash dividends to net income (ytd only)* | 125.7334% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6110% | 3,686 |
| Loan loss allowance to noncurrent loans | 31.1250% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 5.1686% | 1,214 |
| Noncurrent loans to loans | 5.1759% | 1,295 |
| Net loans and leases to total assets | 80.6647% | 453 |
| Net loans and leases to deposits | 92.9198% | 927 |
| Net loans and leases to core deposits | 112.9836% | 629 |
| Total domestic deposits to total assets | 86.8112% | 3,049 |
| Equity capital to assets | 10.1758% | 3,565 |
| Core capital (leverage) ratio | 9.8998% | 3,268 |
| Tier 1 risk-based capital ratio | 12.1260% | 5,573 |
| Total risk-based capital ratio | 13.3806% | 5,564 |
| Memoranda: | ||
| Average total assets | $1,402,018,000 | 489 |
| Average earning assets | $1,285,008,000 | 486 |
| Average equity | $136,265,500 | 512 |
| Average total loans | $1,203,153,000 | 363 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0336% | 4,397 |
| Cost of funding earning assets | 1.2471% | 4,236 |
| Net interest margin | 3.7865% | 4,000 |
| Noninterest income to average assets | 0.9039% | 1,842 |
| Noninterest expense to average assets | 2.2361% | 6,524 |
| Loan and lease loss provision to assets | 1.7091% | 824 |
| Net operating income to assets | 0.3614% | 4,704 |
| Return on assets (ROA) | 0.3614% | 4,863 |
| Pretax return on assets | 0.4427% | 4,815 |
| Return on Equity (ROE) | 3.8408% | 4,594 |
| Retained earnings to average equity (ytd only) | 1.5973% | 4,722 |
| Net charge-offs to loans | 1.5623% | 1,401 |
| Credit loss provision to net charge-offs | 122.5282% | 3,414 |
| Earnings coverage of net charge-offs (x) | 1.5427% | 4,590 |
| Efficiency ratio | 50.5067% | 7,085 |
| Assets per employee ($millions) | 3.1071% | 5,869 |
| Cash dividends to net income (ytd only)* | 58.4112% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 4,308 |
| Loan loss allowance to noncurrent loans | 33.1773% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 4.7763% | 1,367 |
| Noncurrent loans to loans | 4.3549% | 1,655 |
| Net loans and leases to total assets | 88.0186% | 98 |
| Net loans and leases to deposits | 111.7508% | 206 |
| Net loans and leases to core deposits | 138.2134% | 241 |
| Total domestic deposits to total assets | 78.7633% | 6,146 |
| Equity capital to assets | 9.3028% | 4,686 |
| Core capital (leverage) ratio | 9.0454% | 4,461 |
| Tier 1 risk-based capital ratio | 11.1101% | 6,240 |
| Total risk-based capital ratio | 12.3644% | 6,211 |
| Memoranda: | ||
| Average total assets | $1,421,207,600 | 475 |
| Average earning assets | $1,307,692,400 | 468 |
| Average equity | $133,723,000 | 512 |
| Average total loans | $1,268,860,400 | 360 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9938% | 4,850 |
| Cost of funding earning assets | 1.3065% | 4,173 |
| Net interest margin | 3.6872% | 4,474 |
| Noninterest income to average assets | 0.9100% | 1,762 |
| Noninterest expense to average assets | 2.2501% | 6,466 |
| Loan and lease loss provision to assets | 1.8904% | 649 |
| Net operating income to assets | 0.1843% | 5,552 |
| Return on assets (ROA) | 0.1843% | 5,715 |
| Pretax return on assets | 0.1635% | 5,808 |
| Return on Equity (ROE) | 1.9532% | 5,624 |
| Retained earnings to average equity (ytd only) | 0.4500% | 5,618 |
| Net charge-offs to loans | 1.6802% | 1,172 |
| Credit loss provision to net charge-offs | 126.0324% | 3,241 |
| Earnings coverage of net charge-offs (x) | 1.3693% | 4,710 |
| Efficiency ratio | 51.8523% | 6,992 |
| Assets per employee ($millions) | 3.1784% | 5,728 |
| Cash dividends to net income (ytd only)* | 76.9626% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 4,245 |
| Loan loss allowance to noncurrent loans | 36.4949% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 4.5346% | 1,493 |
| Noncurrent loans to loans | 3.9530% | 1,906 |
| Net loans and leases to total assets | 87.4823% | 122 |
| Net loans and leases to deposits | 113.1398% | 200 |
| Net loans and leases to core deposits | 137.6975% | 288 |
| Total domestic deposits to total assets | 77.3223% | 6,413 |
| Equity capital to assets | 9.2779% | 5,176 |
| Core capital (leverage) ratio | 9.0154% | 4,671 |
| Tier 1 risk-based capital ratio | 11.1316% | 6,253 |
| Total risk-based capital ratio | 12.3858% | 6,244 |
| Memoranda: | ||
| Average total assets | $1,409,868,750 | 471 |
| Average earning assets | $1,297,745,500 | 463 |
| Average equity | $133,045,750 | 503 |
| Average total loans | $1,258,632,500 | 360 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9998% | 4,940 |
| Cost of funding earning assets | 1.3920% | 3,925 |
| Net interest margin | 3.6078% | 4,778 |
| Noninterest income to average assets | 0.9279% | 1,591 |
| Noninterest expense to average assets | 2.2563% | 6,488 |
| Loan and lease loss provision to assets | 2.2556% | 524 |
| Net operating income to assets | -0.1893% | 6,346 |
| Return on assets (ROA) | -0.1893% | 6,393 |
| Pretax return on assets | -0.2575% | 6,381 |
| Return on Equity (ROE) | -1.9944% | 6,419 |
| Retained earnings to average equity (ytd only) | -1.9944% | 6,144 |
| Net charge-offs to loans | 1.4816% | 1,290 |
| Credit loss provision to net charge-offs | 170.1990% | 2,298 |
| Earnings coverage of net charge-offs (x) | 1.5077% | 4,359 |
| Efficiency ratio | 52.6105% | 7,016 |
| Assets per employee ($millions) | 3.0424% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6779% | 3,160 |
| Loan loss allowance to noncurrent loans | 47.1640% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 4.3600% | 1,529 |
| Noncurrent loans to loans | 3.5576% | 2,215 |
| Net loans and leases to total assets | 88.5427% | 107 |
| Net loans and leases to deposits | 106.7254% | 360 |
| Net loans and leases to core deposits | 133.8532% | 369 |
| Total domestic deposits to total assets | 82.9632% | 4,592 |
| Equity capital to assets | 9.5882% | 4,567 |
| Core capital (leverage) ratio | 9.3108% | 4,098 |
| Tier 1 risk-based capital ratio | 11.2673% | 5,979 |
| Total risk-based capital ratio | 12.5245% | 5,954 |
| Memoranda: | ||
| Average total assets | $1,395,656,330 | 478 |
| Average earning assets | $1,286,812,330 | 467 |
| Average equity | $132,473,670 | 504 |
| Average total loans | $1,248,414,670 | 362 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9983% | 5,026 |
| Cost of funding earning assets | 1.5045% | 3,526 |
| Net interest margin | 3.4938% | 5,185 |
| Noninterest income to average assets | 0.9035% | 1,608 |
| Noninterest expense to average assets | 2.4217% | 6,009 |
| Loan and lease loss provision to assets | 3.2118% | 303 |
| Net operating income to assets | -1.2547% | 7,239 |
| Return on assets (ROA) | -1.2547% | 7,256 |
| Pretax return on assets | -1.5071% | 7,262 |
| Return on Equity (ROE) | -13.2859% | 7,266 |
| Retained earnings to average equity (ytd only) | -13.2859% | 7,137 |
| Net charge-offs to loans | 1.5081% | 1,150 |
| Credit loss provision to net charge-offs | 238.8948% | 1,608 |
| Earnings coverage of net charge-offs (x) | 1.2680% | 3,991 |
| Efficiency ratio | 58.2439% | 6,451 |
| Assets per employee ($millions) | 3.0313% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7449% | 2,910 |
| Loan loss allowance to noncurrent loans | 41.0442% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 4.7603% | 1,385 |
| Noncurrent loans to loans | 4.2513% | 1,800 |
| Net loans and leases to total assets | 86.5193% | 188 |
| Net loans and leases to deposits | 101.2923% | 678 |
| Net loans and leases to core deposits | 133.6890% | 411 |
| Total domestic deposits to total assets | 85.4155% | 3,455 |
| Equity capital to assets | 9.5077% | 4,524 |
| Core capital (leverage) ratio | 9.2221% | 4,187 |
| Tier 1 risk-based capital ratio | 11.1116% | 6,047 |
| Total risk-based capital ratio | 12.3690% | 6,012 |
| Memoranda: | ||
| Average total assets | $1,399,819,500 | 492 |
| Average earning assets | $1,291,329,500 | 479 |
| Average equity | $132,200,500 | 512 |
| Average total loans | $1,247,950,500 | 378 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 6,058 |
| Cost of funding earning assets | 1.7413% | 4,299 |
| Net interest margin | 3.3665% | 5,506 |
| Noninterest income to average assets | 1.0459% | 1,422 |
| Noninterest expense to average assets | 2.2129% | 6,959 |
| Loan and lease loss provision to assets | 1.7035% | 1,338 |
| Net operating income to assets | 0.2052% | 4,888 |
| Return on assets (ROA) | 0.4231% | 4,140 |
| Pretax return on assets | 0.5619% | 4,013 |
| Return on Equity (ROE) | 4.7470% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.7470% | 1,949 |
| Net charge-offs to loans | 1.7846% | 1,403 |
| Credit loss provision to net charge-offs | 106.3886% | 5,209 |
| Earnings coverage of net charge-offs (x) | 1.2334% | 4,888 |
| Efficiency ratio | 52.3761% | 7,359 |
| Assets per employee ($millions) | 3.0873% | 6,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1200% | 5,812 |
| Loan loss allowance to noncurrent loans | 31.0797% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 4.3475% | 1,501 |
| Noncurrent loans to loans | 3.6036% | 2,096 |
| Net loans and leases to total assets | 89.1856% | 121 |
| Net loans and leases to deposits | 110.2572% | 378 |
| Net loans and leases to core deposits | 135.2463% | 991 |
| Total domestic deposits to total assets | 80.8887% | 5,378 |
| Equity capital to assets | 9.3835% | 4,583 |
| Core capital (leverage) ratio | 9.1059% | 4,262 |
| Tier 1 risk-based capital ratio | 10.8954% | 6,012 |
| Total risk-based capital ratio | 12.1078% | 6,026 |
| Memoranda: | ||
| Average total assets | $1,433,073,000 | 474 |
| Average earning assets | $1,337,430,600 | 463 |
| Average equity | $127,743,200 | 520 |
| Average total loans | $1,285,800,000 | 383 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1025% | 6,256 |
| Cost of funding earning assets | 1.7980% | 4,390 |
| Net interest margin | 3.3045% | 5,623 |
| Noninterest income to average assets | 1.0265% | 1,505 |
| Noninterest expense to average assets | 2.2120% | 6,939 |
| Loan and lease loss provision to assets | 1.7061% | 1,090 |
| Net operating income to assets | 0.1519% | 5,314 |
| Return on assets (ROA) | 0.4464% | 4,310 |
| Pretax return on assets | 0.5875% | 4,221 |
| Return on Equity (ROE) | 5.0741% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.0741% | 2,446 |
| Net charge-offs to loans | 1.5379% | 1,328 |
| Credit loss provision to net charge-offs | 123.8034% | 4,072 |
| Earnings coverage of net charge-offs (x) | 1.3832% | 4,746 |
| Efficiency ratio | 53.2416% | 7,314 |
| Assets per employee ($millions) | 3.0208% | 6,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,405 |
| Loan loss allowance to noncurrent loans | 34.4771% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 4.0170% | 1,590 |
| Noncurrent loans to loans | 3.8151% | 1,949 |
| Net loans and leases to total assets | 88.3359% | 185 |
| Net loans and leases to deposits | 103.6240% | 800 |
| Net loans and leases to core deposits | 128.8250% | 1,511 |
| Total domestic deposits to total assets | 85.2466% | 3,100 |
| Equity capital to assets | 9.4826% | 4,770 |
| Core capital (leverage) ratio | 9.1949% | 4,348 |
| Tier 1 risk-based capital ratio | 11.0820% | 5,869 |
| Total risk-based capital ratio | 12.3342% | 5,825 |
| Memoranda: | ||
| Average total assets | $1,433,213,750 | 489 |
| Average earning assets | $1,340,938,000 | 475 |
| Average equity | $126,074,250 | 540 |
| Average total loans | $1,284,234,000 | 396 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0796% | 6,511 |
| Cost of funding earning assets | 1.8281% | 4,617 |
| Net interest margin | 3.2515% | 5,730 |
| Noninterest income to average assets | 1.0149% | 1,547 |
| Noninterest expense to average assets | 2.1931% | 7,072 |
| Loan and lease loss provision to assets | 1.6383% | 1,020 |
| Net operating income to assets | 0.1690% | 5,358 |
| Return on assets (ROA) | 0.5731% | 3,903 |
| Pretax return on assets | 0.8015% | 3,669 |
| Return on Equity (ROE) | 6.6840% | 3,342 |
| Retained earnings to average equity (ytd only) | 6.6840% | 1,702 |
| Net charge-offs to loans | 1.4760% | 1,283 |
| Credit loss provision to net charge-offs | 123.8265% | 3,758 |
| Earnings coverage of net charge-offs (x) | 1.4140% | 4,468 |
| Efficiency ratio | 53.4880% | 7,382 |
| Assets per employee ($millions) | 3.3121% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 5,374 |
| Loan loss allowance to noncurrent loans | 31.1819% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 3.4057% | 1,838 |
| Noncurrent loans to loans | 3.6336% | 1,914 |
| Net loans and leases to total assets | 88.5091% | 214 |
| Net loans and leases to deposits | 114.4600% | 377 |
| Net loans and leases to core deposits | 145.6255% | 776 |
| Total domestic deposits to total assets | 77.3275% | 6,245 |
| Equity capital to assets | 8.7895% | 5,614 |
| Core capital (leverage) ratio | 8.5223% | 5,404 |
| Tier 1 risk-based capital ratio | 10.6014% | 6,289 |
| Total risk-based capital ratio | 11.8516% | 6,231 |
| Memoranda: | ||
| Average total assets | $1,442,722,000 | 500 |
| Average earning assets | $1,352,851,000 | 484 |
| Average equity | $123,698,670 | 555 |
| Average total loans | $1,293,184,000 | 406 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0832% | 6,697 |
| Cost of funding earning assets | 1.9394% | 4,436 |
| Net interest margin | 3.1437% | 6,048 |
| Noninterest income to average assets | 0.3868% | 5,324 |
| Noninterest expense to average assets | 2.0295% | 7,282 |
| Loan and lease loss provision to assets | 1.6062% | 777 |
| Net operating income to assets | -0.2114% | 6,572 |
| Return on assets (ROA) | 0.6034% | 4,190 |
| Pretax return on assets | 0.8584% | 3,861 |
| Return on Equity (ROE) | 7.1338% | 3,541 |
| Retained earnings to average equity (ytd only) | 7.1338% | 2,166 |
| Net charge-offs to loans | 1.3105% | 1,072 |
| Credit loss provision to net charge-offs | 136.6466% | 2,969 |
| Earnings coverage of net charge-offs (x) | 1.1064% | 4,197 |
| Efficiency ratio | 60.3594% | 6,340 |
| Assets per employee ($millions) | 3.3174% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,325 |
| Loan loss allowance to noncurrent loans | 35.3614% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 3.0891% | 1,827 |
| Noncurrent loans to loans | 3.1680% | 2,042 |
| Net loans and leases to total assets | 87.8627% | 275 |
| Net loans and leases to deposits | 116.7078% | 367 |
| Net loans and leases to core deposits | 146.9242% | 814 |
| Total domestic deposits to total assets | 75.2844% | 6,649 |
| Equity capital to assets | 8.9344% | 5,428 |
| Core capital (leverage) ratio | 8.6595% | 5,233 |
| Tier 1 risk-based capital ratio | 10.5463% | 6,346 |
| Total risk-based capital ratio | 11.7624% | 6,294 |
| Memoranda: | ||
| Average total assets | $1,410,572,000 | 509 |
| Average earning assets | $1,320,589,500 | 497 |
| Average equity | $119,318,500 | 571 |
| Average total loans | $1,265,207,000 | 423 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9132% | 5,972 |
| Cost of funding earning assets | 2.7363% | 2,988 |
| Net interest margin | 3.1769% | 6,440 |
| Noninterest income to average assets | 0.4603% | 4,966 |
| Noninterest expense to average assets | 2.2489% | 6,843 |
| Loan and lease loss provision to assets | 0.8815% | 1,693 |
| Net operating income to assets | 0.2408% | 5,729 |
| Return on assets (ROA) | 0.1314% | 5,862 |
| Pretax return on assets | 0.1550% | 5,834 |
| Return on Equity (ROE) | 1.5768% | 5,744 |
| Retained earnings to average equity (ytd only) | 1.5768% | 4,272 |
| Net charge-offs to loans | 0.7160% | 1,726 |
| Credit loss provision to net charge-offs | 137.1119% | 3,886 |
| Earnings coverage of net charge-offs (x) | 1.8125% | 5,168 |
| Efficiency ratio | 65.2323% | 5,269 |
| Assets per employee ($millions) | 3.2416% | 5,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 5,583 |
| Loan loss allowance to noncurrent loans | 34.6969% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 2.9459% | 1,567 |
| Noncurrent loans to loans | 3.0403% | 1,759 |
| Net loans and leases to total assets | 89.6357% | 221 |
| Net loans and leases to deposits | 121.4681% | 356 |
| Net loans and leases to core deposits | 138.8026% | 1,327 |
| Total domestic deposits to total assets | 73.7936% | 6,687 |
| Equity capital to assets | 7.9491% | 6,907 |
| Core capital (leverage) ratio | 7.6526% | 7,000 |
| Tier 1 risk-based capital ratio | 9.1202% | 7,694 |
| Total risk-based capital ratio | 10.2628% | 7,765 |
| Memoranda: | ||
| Average total assets | $1,292,524,400 | 527 |
| Average earning assets | $1,201,806,600 | 516 |
| Average equity | $107,685,200 | 629 |
| Average total loans | $1,160,571,800 | 448 |