Home > Sabadell United Bank > Performance and Condition Ratios
Sabadell United Bank, Performance and Condition Ratios
| 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 | 3.5874% | 4,547 |
| Cost of funding earning assets | 0.5146% | 2,057 |
| Net interest margin | 3.0728% | 4,743 |
| Noninterest income to average assets | 0.2038% | 5,028 |
| Noninterest expense to average assets | 1.6551% | 5,449 |
| Loan and lease loss provision to assets | -0.1766% | 5,698 |
| Net operating income to assets | 0.9893% | 2,476 |
| Return on assets (ROA) | 1.0056% | 2,441 |
| Pretax return on assets | 1.6397% | 1,229 |
| Return on Equity (ROE) | 9.2288% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.2288% | 779 |
| Net charge-offs to loans | -0.0910% | 5,385 |
| Credit loss provision to net charge-offs | 269.2714% | 1,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2746% | 5,223 |
| Assets per employee ($millions) | 12.4848% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 4,116 |
| Loan loss allowance to noncurrent loans | 118.3718% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 2,272 |
| Noncurrent loans to loans | 0.8489% | 2,283 |
| Net loans and leases to total assets | 71.0642% | 2,363 |
| Net loans and leases to deposits | 93.1242% | 1,352 |
| Net loans and leases to core deposits | 103.7522% | 1,374 |
| Total domestic deposits to total assets | 76.3112% | 5,055 |
| Equity capital to assets | 11.2673% | 2,529 |
| Core capital (leverage) ratio | 9.8758% | 3,682 |
| Tier 1 risk-based capital ratio | 14.8997% | 2,972 |
| Total risk-based capital ratio | 16.0597% | 2,937 |
| Memoranda: | ||
| Average total assets | $5,776,189,670 | 191 |
| Average earning assets | $5,430,400,000 | 185 |
| Average equity | $629,402,000 | 194 |
| Average total loans | $4,162,064,670 | 186 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5010% | 4,691 |
| Cost of funding earning assets | 0.4829% | 2,224 |
| Net interest margin | 3.0181% | 4,855 |
| Noninterest income to average assets | 0.1971% | 5,089 |
| Noninterest expense to average assets | 1.7920% | 5,391 |
| Loan and lease loss provision to assets | -0.0759% | 5,738 |
| Net operating income to assets | 0.8082% | 3,188 |
| Return on assets (ROA) | 0.8076% | 3,250 |
| Pretax return on assets | 1.3168% | 2,176 |
| Return on Equity (ROE) | 7.5381% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.5381% | 1,636 |
| Net charge-offs to loans | -0.0425% | 5,110 |
| Credit loss provision to net charge-offs | 247.1910% | 895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7775% | 4,858 |
| Assets per employee ($millions) | 11.9767% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0459% | 3,997 |
| Loan loss allowance to noncurrent loans | 107.4289% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8438% | 2,190 |
| Noncurrent loans to loans | 0.9736% | 2,099 |
| Net loans and leases to total assets | 71.4853% | 2,142 |
| Net loans and leases to deposits | 95.4413% | 975 |
| Net loans and leases to core deposits | 105.6389% | 1,131 |
| Total domestic deposits to total assets | 74.8998% | 5,341 |
| Equity capital to assets | 10.8021% | 2,854 |
| Core capital (leverage) ratio | 9.5914% | 4,014 |
| Tier 1 risk-based capital ratio | 13.8774% | 3,560 |
| Total risk-based capital ratio | 15.1276% | 3,469 |
| Memoranda: | ||
| Average total assets | $5,799,026,000 | 192 |
| Average earning assets | $5,450,557,500 | 185 |
| Average equity | $621,267,000 | 193 |
| Average total loans | $4,186,253,500 | 186 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 4,755 |
| Cost of funding earning assets | 0.4326% | 2,686 |
| Net interest margin | 3.0773% | 4,782 |
| Noninterest income to average assets | 0.3822% | 4,018 |
| Noninterest expense to average assets | 1.8737% | 5,394 |
| Loan and lease loss provision to assets | -0.0426% | 5,568 |
| Net operating income to assets | 0.8782% | 2,941 |
| Return on assets (ROA) | 0.8791% | 3,049 |
| Pretax return on assets | 1.4349% | 1,800 |
| Return on Equity (ROE) | 8.0977% | 2,886 |
| Retained earnings to average equity (ytd only) | 8.0977% | 826 |
| Net charge-offs to loans | -0.0369% | 5,313 |
| Credit loss provision to net charge-offs | 166.0777% | 1,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1586% | 5,134 |
| Assets per employee ($millions) | 12.0361% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0666% | 3,914 |
| Loan loss allowance to noncurrent loans | 92.7208% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.9584% | 1,974 |
| Noncurrent loans to loans | 1.1503% | 1,784 |
| Net loans and leases to total assets | 71.3674% | 2,261 |
| Net loans and leases to deposits | 94.8885% | 1,103 |
| Net loans and leases to core deposits | 104.9974% | 1,207 |
| Total domestic deposits to total assets | 75.2118% | 5,328 |
| Equity capital to assets | 10.6242% | 3,009 |
| Core capital (leverage) ratio | 9.5998% | 3,966 |
| Tier 1 risk-based capital ratio | 13.5702% | 3,726 |
| Total risk-based capital ratio | 14.8205% | 3,631 |
| Memoranda: | ||
| Average total assets | $5,518,249,800 | 190 |
| Average earning assets | $5,168,488,400 | 184 |
| Average equity | $599,098,000 | 192 |
| Average total loans | $3,831,073,800 | 189 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 4,704 |
| Cost of funding earning assets | 0.4294% | 2,744 |
| Net interest margin | 3.1116% | 4,743 |
| Noninterest income to average assets | 0.4431% | 3,605 |
| Noninterest expense to average assets | 1.9812% | 5,243 |
| Loan and lease loss provision to assets | -0.0012% | 5,622 |
| Net operating income to assets | 0.8477% | 3,166 |
| Return on assets (ROA) | 0.8474% | 3,283 |
| Pretax return on assets | 1.3745% | 2,143 |
| Return on Equity (ROE) | 7.7611% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.7611% | 1,278 |
| Net charge-offs to loans | -0.0036% | 4,558 |
| Credit loss provision to net charge-offs | 49.0196% | 3,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8395% | 4,976 |
| Assets per employee ($millions) | 11.6354% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 3,381 |
| Loan loss allowance to noncurrent loans | 88.2762% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0901% | 1,878 |
| Noncurrent loans to loans | 1.3350% | 1,653 |
| Net loans and leases to total assets | 68.7908% | 2,685 |
| Net loans and leases to deposits | 86.7570% | 2,175 |
| Net loans and leases to core deposits | 95.5072% | 2,051 |
| Total domestic deposits to total assets | 79.2914% | 4,657 |
| Equity capital to assets | 11.0327% | 2,971 |
| Core capital (leverage) ratio | 9.6665% | 3,976 |
| Tier 1 risk-based capital ratio | 14.4037% | 3,330 |
| Total risk-based capital ratio | 15.6570% | 3,259 |
| Memoranda: | ||
| Average total assets | $5,450,475,750 | 190 |
| Average earning assets | $5,100,645,750 | 185 |
| Average equity | $595,105,250 | 192 |
| Average total loans | $3,744,780,500 | 191 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5182% | 4,817 |
| Cost of funding earning assets | 0.4276% | 2,755 |
| Net interest margin | 3.0906% | 4,858 |
| Noninterest income to average assets | 0.5647% | 2,824 |
| Noninterest expense to average assets | 1.9980% | 5,268 |
| Loan and lease loss provision to assets | 0.0498% | 3,153 |
| Net operating income to assets | 0.8663% | 3,023 |
| Return on assets (ROA) | 0.8658% | 3,142 |
| Pretax return on assets | 1.4044% | 2,008 |
| Return on Equity (ROE) | 7.9580% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.9580% | 1,180 |
| Net charge-offs to loans | -0.0309% | 5,139 |
| Credit loss provision to net charge-offs | -235.6021% | 4,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6979% | 5,172 |
| Assets per employee ($millions) | 11.5746% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,967 |
| Loan loss allowance to noncurrent loans | 83.6206% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.1683% | 1,803 |
| Noncurrent loans to loans | 1.5166% | 1,442 |
| Net loans and leases to total assets | 67.6930% | 2,826 |
| Net loans and leases to deposits | 85.8110% | 2,272 |
| Net loans and leases to core deposits | 94.4261% | 2,119 |
| Total domestic deposits to total assets | 78.8861% | 4,810 |
| Equity capital to assets | 11.0828% | 2,968 |
| Core capital (leverage) ratio | 9.6157% | 4,045 |
| Tier 1 risk-based capital ratio | 14.2385% | 3,475 |
| Total risk-based capital ratio | 15.4933% | 3,391 |
| Memoranda: | ||
| Average total assets | $5,417,276,000 | 188 |
| Average earning assets | $5,062,412,670 | 184 |
| Average equity | $589,365,670 | 193 |
| Average total loans | $3,705,215,670 | 193 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6528% | 4,468 |
| Cost of funding earning assets | 0.4300% | 2,770 |
| Net interest margin | 3.2228% | 4,505 |
| Noninterest income to average assets | 0.9018% | 1,309 |
| Noninterest expense to average assets | 2.0478% | 5,227 |
| Loan and lease loss provision to assets | 0.1000% | 2,023 |
| Net operating income to assets | 1.0865% | 1,958 |
| Return on assets (ROA) | 1.0858% | 2,059 |
| Pretax return on assets | 1.7612% | 920 |
| Return on Equity (ROE) | 10.0750% | 1,954 |
| Retained earnings to average equity (ytd only) | 10.0750% | 829 |
| Net charge-offs to loans | -0.0441% | 5,269 |
| Credit loss provision to net charge-offs | -331.6953% | 4,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4745% | 5,603 |
| Assets per employee ($millions) | 11.2028% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,953 |
| Loan loss allowance to noncurrent loans | 77.3752% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.2691% | 1,705 |
| Noncurrent loans to loans | 1.6702% | 1,354 |
| Net loans and leases to total assets | 65.1945% | 3,083 |
| Net loans and leases to deposits | 83.1075% | 2,417 |
| Net loans and leases to core deposits | 90.6642% | 2,311 |
| Total domestic deposits to total assets | 78.4459% | 5,069 |
| Equity capital to assets | 10.7138% | 3,238 |
| Core capital (leverage) ratio | 9.4386% | 4,296 |
| Tier 1 risk-based capital ratio | 14.2951% | 3,499 |
| Total risk-based capital ratio | 15.5493% | 3,428 |
| Memoranda: | ||
| Average total assets | $5,400,102,500 | 190 |
| Average earning assets | $5,040,828,000 | 183 |
| Average equity | $581,953,000 | 195 |
| Average total loans | $3,688,940,000 | 193 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 4,313 |
| Cost of funding earning assets | 0.4161% | 2,985 |
| Net interest margin | 3.3037% | 4,286 |
| Noninterest income to average assets | 0.2623% | 5,011 |
| Noninterest expense to average assets | 2.0971% | 5,262 |
| Loan and lease loss provision to assets | 0.0826% | 2,645 |
| Net operating income to assets | 0.7078% | 3,774 |
| Return on assets (ROA) | 0.7125% | 3,864 |
| Pretax return on assets | 1.1396% | 2,884 |
| Return on Equity (ROE) | 6.2865% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.2865% | 1,658 |
| Net charge-offs to loans | -0.0244% | 5,332 |
| Credit loss provision to net charge-offs | -472.0280% | 5,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7781% | 4,791 |
| Assets per employee ($millions) | 11.2522% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 3,349 |
| Loan loss allowance to noncurrent loans | 62.8028% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 1.5298% | 1,316 |
| Noncurrent loans to loans | 1.9452% | 1,092 |
| Net loans and leases to total assets | 69.8285% | 2,394 |
| Net loans and leases to deposits | 90.2752% | 1,583 |
| Net loans and leases to core deposits | 99.0280% | 1,589 |
| Total domestic deposits to total assets | 77.3508% | 5,262 |
| Equity capital to assets | 10.8428% | 2,985 |
| Core capital (leverage) ratio | 9.7293% | 3,867 |
| Tier 1 risk-based capital ratio | 13.7590% | 3,850 |
| Total risk-based capital ratio | 15.0116% | 3,782 |
| Memoranda: | ||
| Average total assets | $4,902,246,000 | 194 |
| Average earning assets | $4,525,270,200 | 189 |
| Average equity | $555,607,000 | 194 |
| Average total loans | $3,519,753,600 | 190 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7119% | 4,384 |
| Cost of funding earning assets | 0.4179% | 3,029 |
| Net interest margin | 3.2940% | 4,375 |
| Noninterest income to average assets | 0.2753% | 4,970 |
| Noninterest expense to average assets | 2.2195% | 4,998 |
| Loan and lease loss provision to assets | 0.0734% | 2,702 |
| Net operating income to assets | 0.6245% | 4,265 |
| Return on assets (ROA) | 0.6309% | 4,344 |
| Pretax return on assets | 1.0252% | 3,521 |
| Return on Equity (ROE) | 5.5015% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.5015% | 2,576 |
| Net charge-offs to loans | -0.0606% | 5,604 |
| Credit loss provision to net charge-offs | -168.1472% | 5,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4973% | 4,160 |
| Assets per employee ($millions) | 10.3131% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 3,433 |
| Loan loss allowance to noncurrent loans | 58.7309% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.6444% | 1,338 |
| Noncurrent loans to loans | 2.1107% | 1,070 |
| Net loans and leases to total assets | 71.0597% | 2,225 |
| Net loans and leases to deposits | 88.7616% | 1,802 |
| Net loans and leases to core deposits | 97.2660% | 1,765 |
| Total domestic deposits to total assets | 80.0568% | 4,741 |
| Equity capital to assets | 11.2366% | 2,765 |
| Core capital (leverage) ratio | 9.7359% | 3,989 |
| Tier 1 risk-based capital ratio | 13.7329% | 4,003 |
| Total risk-based capital ratio | 14.9871% | 3,937 |
| Memoranda: | ||
| Average total assets | $4,811,304,750 | 200 |
| Average earning assets | $4,429,833,750 | 197 |
| Average equity | $551,763,500 | 198 |
| Average total loans | $3,469,028,000 | 193 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 4,230 |
| Cost of funding earning assets | 0.4147% | 3,102 |
| Net interest margin | 3.3371% | 4,150 |
| Noninterest income to average assets | 0.2932% | 4,866 |
| Noninterest expense to average assets | 2.2741% | 4,914 |
| Loan and lease loss provision to assets | 0.0717% | 2,676 |
| Net operating income to assets | 0.6229% | 4,248 |
| Return on assets (ROA) | 0.6317% | 4,323 |
| Pretax return on assets | 1.0252% | 3,478 |
| Return on Equity (ROE) | 5.4697% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.4697% | 2,551 |
| Net charge-offs to loans | -0.0510% | 5,557 |
| Credit loss provision to net charge-offs | -194.7308% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1416% | 4,167 |
| Assets per employee ($millions) | 9.9775% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 3,670 |
| Loan loss allowance to noncurrent loans | 52.8234% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 1.8300% | 1,251 |
| Noncurrent loans to loans | 2.3113% | 1,014 |
| Net loans and leases to total assets | 71.5428% | 2,067 |
| Net loans and leases to deposits | 90.6150% | 1,524 |
| Net loans and leases to core deposits | 99.7326% | 1,513 |
| Total domestic deposits to total assets | 78.9525% | 5,106 |
| Equity capital to assets | 11.3476% | 2,530 |
| Core capital (leverage) ratio | 9.8121% | 3,847 |
| Tier 1 risk-based capital ratio | 13.5213% | 4,205 |
| Total risk-based capital ratio | 14.7744% | 4,139 |
| Memoranda: | ||
| Average total assets | $4,740,913,330 | 206 |
| Average earning assets | $4,352,837,670 | 203 |
| Average equity | $547,566,670 | 202 |
| Average total loans | $3,420,786,000 | 198 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 4,213 |
| Cost of funding earning assets | 0.4069% | 3,231 |
| Net interest margin | 3.3379% | 4,068 |
| Noninterest income to average assets | 0.3593% | 4,329 |
| Noninterest expense to average assets | 2.3908% | 4,622 |
| Loan and lease loss provision to assets | 0.0599% | 2,730 |
| Net operating income to assets | 0.5936% | 4,317 |
| Return on assets (ROA) | 0.6115% | 4,327 |
| Pretax return on assets | 0.9930% | 3,537 |
| Return on Equity (ROE) | 5.2464% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.2464% | 2,922 |
| Net charge-offs to loans | -0.0611% | 5,620 |
| Credit loss provision to net charge-offs | -136.1868% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4002% | 3,921 |
| Assets per employee ($millions) | 9.4568% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 3,800 |
| Loan loss allowance to noncurrent loans | 51.5629% | 4,977 |
| Noncurrent assets plus other real estate owned to assets | 2.0475% | 1,154 |
| Noncurrent loans to loans | 2.3803% | 1,033 |
| Net loans and leases to total assets | 70.9750% | 1,981 |
| Net loans and leases to deposits | 90.5718% | 1,332 |
| Net loans and leases to core deposits | 99.4599% | 1,359 |
| Total domestic deposits to total assets | 78.3633% | 5,377 |
| Equity capital to assets | 11.5991% | 2,380 |
| Core capital (leverage) ratio | 10.0979% | 3,476 |
| Tier 1 risk-based capital ratio | 13.8018% | 4,149 |
| Total risk-based capital ratio | 15.0570% | 4,067 |
| Memoranda: | ||
| Average total assets | $4,671,862,500 | 210 |
| Average earning assets | $4,278,138,500 | 204 |
| Average equity | $544,525,500 | 200 |
| Average total loans | $3,364,315,500 | 196 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 3,900 |
| Cost of funding earning assets | 0.4076% | 3,609 |
| Net interest margin | 3.5473% | 3,611 |
| Noninterest income to average assets | 0.2760% | 5,141 |
| Noninterest expense to average assets | 2.5822% | 4,286 |
| Loan and lease loss provision to assets | 0.1301% | 2,015 |
| Net operating income to assets | 0.4644% | 4,948 |
| Return on assets (ROA) | 0.5258% | 4,791 |
| Pretax return on assets | 0.8803% | 3,962 |
| Return on Equity (ROE) | 4.2071% | 5,020 |
| Retained earnings to average equity (ytd only) | 4.2071% | 3,203 |
| Net charge-offs to loans | -0.0118% | 5,589 |
| Credit loss provision to net charge-offs | -1,569.2308% | 5,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0871% | 3,357 |
| Assets per employee ($millions) | 9.1206% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 3,880 |
| Loan loss allowance to noncurrent loans | 43.2937% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 2.4031% | 971 |
| Noncurrent loans to loans | 2.8191% | 829 |
| Net loans and leases to total assets | 71.2912% | 2,034 |
| Net loans and leases to deposits | 91.3517% | 1,357 |
| Net loans and leases to core deposits | 100.2695% | 1,379 |
| Total domestic deposits to total assets | 78.0404% | 5,432 |
| Equity capital to assets | 11.7133% | 2,241 |
| Core capital (leverage) ratio | 9.3151% | 4,520 |
| Tier 1 risk-based capital ratio | 13.1906% | 4,592 |
| Total risk-based capital ratio | 14.4441% | 4,521 |
| Memoranda: | ||
| Average total assets | $4,234,607,200 | 211 |
| Average earning assets | $3,844,421,000 | 208 |
| Average equity | $529,275,600 | 195 |
| Average total loans | $2,971,334,800 | 202 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 3,877 |
| Cost of funding earning assets | 0.4016% | 3,773 |
| Net interest margin | 3.5689% | 3,560 |
| Noninterest income to average assets | 0.2841% | 5,170 |
| Noninterest expense to average assets | 2.5725% | 4,281 |
| Loan and lease loss provision to assets | 0.0331% | 3,746 |
| Net operating income to assets | 0.5602% | 4,634 |
| Return on assets (ROA) | 0.6431% | 4,343 |
| Pretax return on assets | 1.0421% | 3,416 |
| Return on Equity (ROE) | 5.0571% | 4,693 |
| Retained earnings to average equity (ytd only) | 5.0571% | 3,044 |
| Net charge-offs to loans | 0.0125% | 4,311 |
| Credit loss provision to net charge-offs | 380.7407% | 739 |
| Earnings coverage of net charge-offs (x) | 108.7855% | 553 |
| Efficiency ratio | 70.3960% | 3,441 |
| Assets per employee ($millions) | 8.9774% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 4,691 |
| Loan loss allowance to noncurrent loans | 36.3813% | 5,549 |
| Noncurrent assets plus other real estate owned to assets | 2.5109% | 1,046 |
| Noncurrent loans to loans | 3.0604% | 865 |
| Net loans and leases to total assets | 68.6730% | 2,440 |
| Net loans and leases to deposits | 88.1147% | 1,654 |
| Net loans and leases to core deposits | 97.3052% | 1,568 |
| Total domestic deposits to total assets | 77.9360% | 5,549 |
| Equity capital to assets | 11.6747% | 2,340 |
| Core capital (leverage) ratio | 9.4055% | 4,506 |
| Tier 1 risk-based capital ratio | 13.7805% | 4,366 |
| Total risk-based capital ratio | 14.9577% | 4,349 |
| Memoranda: | ||
| Average total assets | $4,141,786,250 | 211 |
| Average earning assets | $3,753,115,500 | 208 |
| Average equity | $526,718,750 | 195 |
| Average total loans | $2,883,127,000 | 202 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 3,327 |
| Cost of funding earning assets | 0.3928% | 3,946 |
| Net interest margin | 3.7108% | 2,916 |
| Noninterest income to average assets | 0.2894% | 5,104 |
| Noninterest expense to average assets | 2.5645% | 4,370 |
| Loan and lease loss provision to assets | 0.0139% | 3,979 |
| Net operating income to assets | 0.6493% | 4,103 |
| Return on assets (ROA) | 0.7792% | 3,533 |
| Pretax return on assets | 1.2669% | 2,384 |
| Return on Equity (ROE) | 5.9404% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.9404% | 2,355 |
| Net charge-offs to loans | -0.0281% | 5,662 |
| Credit loss provision to net charge-offs | -71.0997% | 5,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6691% | 4,069 |
| Assets per employee ($millions) | 8.1087% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 4,319 |
| Loan loss allowance to noncurrent loans | 32.5286% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 3.2151% | 772 |
| Noncurrent loans to loans | 3.7577% | 659 |
| Net loans and leases to total assets | 70.1017% | 2,067 |
| Net loans and leases to deposits | 90.4153% | 1,332 |
| Net loans and leases to core deposits | 99.0946% | 1,354 |
| Total domestic deposits to total assets | 77.5330% | 5,714 |
| Equity capital to assets | 13.0618% | 1,344 |
| Core capital (leverage) ratio | 10.5620% | 2,874 |
| Tier 1 risk-based capital ratio | 16.2141% | 2,971 |
| Total risk-based capital ratio | 17.4693% | 2,919 |
| Memoranda: | ||
| Average total assets | $3,993,236,000 | 214 |
| Average earning assets | $3,608,181,330 | 210 |
| Average equity | $523,769,000 | 195 |
| Average total loans | $2,782,235,000 | 205 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 3,157 |
| Cost of funding earning assets | 0.3815% | 4,179 |
| Net interest margin | 3.7501% | 2,677 |
| Noninterest income to average assets | 0.2519% | 5,350 |
| Noninterest expense to average assets | 2.4264% | 4,857 |
| Loan and lease loss provision to assets | 0.0722% | 2,696 |
| Net operating income to assets | 0.6967% | 3,706 |
| Return on assets (ROA) | 0.9612% | 2,420 |
| Pretax return on assets | 1.5485% | 1,295 |
| Return on Equity (ROE) | 7.3124% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.3124% | 1,902 |
| Net charge-offs to loans | -0.1483% | 6,283 |
| Credit loss provision to net charge-offs | -70.5242% | 4,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0001% | 4,856 |
| Assets per employee ($millions) | 8.2066% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 4,093 |
| Loan loss allowance to noncurrent loans | 33.0590% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 3.2983% | 809 |
| Noncurrent loans to loans | 3.9491% | 688 |
| Net loans and leases to total assets | 68.3572% | 2,166 |
| Net loans and leases to deposits | 88.6188% | 1,297 |
| Net loans and leases to core deposits | 96.7688% | 1,326 |
| Total domestic deposits to total assets | 77.1363% | 5,949 |
| Equity capital to assets | 13.0087% | 1,304 |
| Core capital (leverage) ratio | 10.9410% | 2,446 |
| Tier 1 risk-based capital ratio | 16.6554% | 2,831 |
| Total risk-based capital ratio | 17.9118% | 2,797 |
| Memoranda: | ||
| Average total assets | $3,950,522,500 | 214 |
| Average earning assets | $3,562,646,000 | 214 |
| Average equity | $519,280,500 | 196 |
| Average total loans | $2,726,055,000 | 205 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2612% | 3,102 |
| Cost of funding earning assets | 0.3914% | 4,741 |
| Net interest margin | 3.8698% | 2,399 |
| Noninterest income to average assets | 0.2795% | 5,357 |
| Noninterest expense to average assets | 2.6966% | 4,112 |
| Loan and lease loss provision to assets | 0.0976% | 3,173 |
| Net operating income to assets | 1.2114% | 1,520 |
| Return on assets (ROA) | 1.2090% | 1,604 |
| Pretax return on assets | 0.9481% | 3,566 |
| Return on Equity (ROE) | 9.0799% | 2,496 |
| Retained earnings to average equity (ytd only) | 9.0799% | 760 |
| Net charge-offs to loans | -0.0286% | 6,217 |
| Credit loss provision to net charge-offs | -540.0894% | 6,150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1236% | 3,990 |
| Assets per employee ($millions) | 7.4597% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,122 |
| Loan loss allowance to noncurrent loans | 26.0147% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 3.8558% | 703 |
| Noncurrent loans to loans | 5.0140% | 498 |
| Net loans and leases to total assets | 67.8413% | 2,381 |
| Net loans and leases to deposits | 86.0883% | 1,674 |
| Net loans and leases to core deposits | 93.9110% | 1,609 |
| Total domestic deposits to total assets | 78.8043% | 5,687 |
| Equity capital to assets | 13.2861% | 1,149 |
| Core capital (leverage) ratio | 11.0628% | 2,330 |
| Tier 1 risk-based capital ratio | 15.6009% | 3,309 |
| Total risk-based capital ratio | 16.8557% | 3,260 |
| Memoranda: | ||
| Average total assets | $3,714,982,000 | 215 |
| Average earning assets | $3,326,605,600 | 213 |
| Average equity | $494,643,400 | 196 |
| Average total loans | $2,343,096,600 | 223 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 2,712 |
| Cost of funding earning assets | 0.3937% | 4,872 |
| Net interest margin | 3.9712% | 2,039 |
| Noninterest income to average assets | 0.2968% | 5,321 |
| Noninterest expense to average assets | 2.7577% | 3,804 |
| Loan and lease loss provision to assets | 0.1047% | 3,008 |
| Net operating income to assets | 1.4347% | 1,015 |
| Return on assets (ROA) | 1.4316% | 1,085 |
| Pretax return on assets | 0.9824% | 3,574 |
| Return on Equity (ROE) | 10.7457% | 1,907 |
| Retained earnings to average equity (ytd only) | 10.7457% | 628 |
| Net charge-offs to loans | -0.0106% | 5,900 |
| Credit loss provision to net charge-offs | -1,603.8889% | 6,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8146% | 3,944 |
| Assets per employee ($millions) | 7.3070% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 3,838 |
| Loan loss allowance to noncurrent loans | 23.3123% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 4.3666% | 695 |
| Noncurrent loans to loans | 6.0612% | 417 |
| Net loans and leases to total assets | 61.9656% | 3,368 |
| Net loans and leases to deposits | 77.3376% | 2,769 |
| Net loans and leases to core deposits | 83.7310% | 2,676 |
| Total domestic deposits to total assets | 80.1235% | 5,470 |
| Equity capital to assets | 13.5673% | 1,093 |
| Core capital (leverage) ratio | 11.2931% | 2,204 |
| Tier 1 risk-based capital ratio | 17.2458% | 2,612 |
| Total risk-based capital ratio | 18.5022% | 2,571 |
| Memoranda: | ||
| Average total assets | $3,675,829,500 | 214 |
| Average earning assets | $3,287,082,500 | 212 |
| Average equity | $489,708,500 | 196 |
| Average total loans | $2,263,558,000 | 226 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 2,450 |
| Cost of funding earning assets | 0.3991% | 4,955 |
| Net interest margin | 4.0324% | 1,755 |
| Noninterest income to average assets | 0.3045% | 5,275 |
| Noninterest expense to average assets | 2.7173% | 3,971 |
| Loan and lease loss provision to assets | -0.0054% | 6,572 |
| Net operating income to assets | 0.7404% | 3,615 |
| Return on assets (ROA) | 0.7460% | 3,740 |
| Pretax return on assets | 1.2043% | 2,657 |
| Return on Equity (ROE) | 5.6356% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.6356% | 2,652 |
| Net charge-offs to loans | -0.0618% | 6,340 |
| Credit loss provision to net charge-offs | 14.2442% | 3,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7022% | 4,410 |
| Assets per employee ($millions) | 6.9249% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 4,190 |
| Loan loss allowance to noncurrent loans | 21.1807% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 4.5093% | 733 |
| Noncurrent loans to loans | 6.4456% | 406 |
| Net loans and leases to total assets | 62.5725% | 3,187 |
| Net loans and leases to deposits | 78.2180% | 2,542 |
| Net loans and leases to core deposits | 85.1188% | 2,422 |
| Total domestic deposits to total assets | 79.9976% | 5,604 |
| Equity capital to assets | 13.5687% | 1,096 |
| Core capital (leverage) ratio | 11.1466% | 2,217 |
| Tier 1 risk-based capital ratio | 17.6933% | 2,439 |
| Total risk-based capital ratio | 18.9494% | 2,403 |
| Memoranda: | ||
| Average total assets | $3,644,299,330 | 214 |
| Average earning assets | $3,256,175,670 | 214 |
| Average equity | $482,429,330 | 198 |
| Average total loans | $2,228,127,330 | 230 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 2,679 |
| Cost of funding earning assets | 0.4067% | 5,038 |
| Net interest margin | 3.9465% | 1,960 |
| Noninterest income to average assets | 0.1027% | 6,565 |
| Noninterest expense to average assets | 2.7120% | 4,011 |
| Loan and lease loss provision to assets | -0.2448% | 6,908 |
| Net operating income to assets | 0.7179% | 3,605 |
| Return on assets (ROA) | 0.7151% | 3,758 |
| Pretax return on assets | 1.1518% | 2,758 |
| Return on Equity (ROE) | 5.4681% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.4681% | 2,969 |
| Net charge-offs to loans | -0.2904% | 6,772 |
| Credit loss provision to net charge-offs | 140.4494% | 1,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8103% | 3,649 |
| Assets per employee ($millions) | 7.2272% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 4,391 |
| Loan loss allowance to noncurrent loans | 23.1087% | 6,259 |
| Noncurrent assets plus other real estate owned to assets | 4.2158% | 907 |
| Noncurrent loans to loans | 5.9158% | 566 |
| Net loans and leases to total assets | 59.2042% | 3,572 |
| Net loans and leases to deposits | 73.4048% | 2,997 |
| Net loans and leases to core deposits | 79.3104% | 2,886 |
| Total domestic deposits to total assets | 80.6543% | 5,583 |
| Equity capital to assets | 13.3390% | 1,277 |
| Core capital (leverage) ratio | 11.0362% | 2,232 |
| Tier 1 risk-based capital ratio | 18.0684% | 2,332 |
| Total risk-based capital ratio | 19.3259% | 2,296 |
| Memoranda: | ||
| Average total assets | $3,676,372,500 | 218 |
| Average earning assets | $3,279,802,000 | 217 |
| Average equity | $480,753,000 | 202 |
| Average total loans | $2,206,591,000 | 232 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4936% | 3,413 |
| Cost of funding earning assets | 0.4683% | 5,431 |
| Net interest margin | 4.0253% | 2,293 |
| Noninterest income to average assets | 0.5557% | 3,537 |
| Noninterest expense to average assets | 2.7158% | 4,343 |
| Loan and lease loss provision to assets | 0.1617% | 3,589 |
| Net operating income to assets | 0.7679% | 3,431 |
| Return on assets (ROA) | 0.8254% | 3,417 |
| Pretax return on assets | 1.3349% | 2,274 |
| Return on Equity (ROE) | 6.4925% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.4925% | 1,826 |
| Net charge-offs to loans | 0.1284% | 4,396 |
| Credit loss provision to net charge-offs | 217.2949% | 1,165 |
| Earnings coverage of net charge-offs (x) | 18.9010% | 1,415 |
| Efficiency ratio | 63.2193% | 5,034 |
| Assets per employee ($millions) | 7.5705% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 4,351 |
| Loan loss allowance to noncurrent loans | 23.6934% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 3.9972% | 1,070 |
| Noncurrent loans to loans | 5.7430% | 628 |
| Net loans and leases to total assets | 59.2004% | 3,753 |
| Net loans and leases to deposits | 73.1295% | 3,236 |
| Net loans and leases to core deposits | 78.7436% | 3,165 |
| Total domestic deposits to total assets | 80.9529% | 5,421 |
| Equity capital to assets | 12.8214% | 1,533 |
| Core capital (leverage) ratio | 10.3883% | 2,896 |
| Tier 1 risk-based capital ratio | 17.5763% | 2,429 |
| Total risk-based capital ratio | 18.8338% | 2,392 |
| Memoranda: | ||
| Average total assets | $3,635,880,600 | 218 |
| Average earning assets | $3,221,855,200 | 216 |
| Average equity | $462,255,000 | 206 |
| Average total loans | $2,108,182,800 | 231 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 3,686 |
| Cost of funding earning assets | 0.4696% | 5,644 |
| Net interest margin | 4.0178% | 2,434 |
| Noninterest income to average assets | 0.5980% | 3,288 |
| Noninterest expense to average assets | 2.7155% | 4,305 |
| Loan and lease loss provision to assets | 0.1188% | 4,065 |
| Net operating income to assets | 0.8150% | 3,373 |
| Return on assets (ROA) | 0.8932% | 3,246 |
| Pretax return on assets | 1.4413% | 2,108 |
| Return on Equity (ROE) | 7.0413% | 3,784 |
| Retained earnings to average equity (ytd only) | 7.0413% | 2,101 |
| Net charge-offs to loans | 0.1259% | 4,120 |
| Credit loss provision to net charge-offs | 164.2347% | 1,697 |
| Earnings coverage of net charge-offs (x) | 19.8821% | 1,471 |
| Efficiency ratio | 62.7141% | 5,030 |
| Assets per employee ($millions) | 7.5686% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 4,711 |
| Loan loss allowance to noncurrent loans | 21.3563% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 4.2739% | 1,106 |
| Noncurrent loans to loans | 6.1965% | 640 |
| Net loans and leases to total assets | 57.5456% | 4,196 |
| Net loans and leases to deposits | 72.7085% | 3,496 |
| Net loans and leases to core deposits | 79.6650% | 3,247 |
| Total domestic deposits to total assets | 79.1456% | 5,834 |
| Equity capital to assets | 12.7813% | 1,724 |
| Core capital (leverage) ratio | 10.4341% | 2,993 |
| Tier 1 risk-based capital ratio | 17.9531% | 2,369 |
| Total risk-based capital ratio | 19.2100% | 2,341 |
| Memoranda: | ||
| Average total assets | $3,613,680,000 | 223 |
| Average earning assets | $3,197,693,000 | 217 |
| Average equity | $458,429,500 | 210 |
| Average total loans | $2,076,366,750 | 236 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6379% | 3,196 |
| Cost of funding earning assets | 0.4775% | 5,777 |
| Net interest margin | 4.1604% | 1,868 |
| Noninterest income to average assets | 0.6972% | 2,690 |
| Noninterest expense to average assets | 2.7667% | 4,150 |
| Loan and lease loss provision to assets | 0.1313% | 3,885 |
| Net operating income to assets | 0.9109% | 2,855 |
| Return on assets (ROA) | 1.0320% | 2,553 |
| Pretax return on assets | 1.6576% | 1,373 |
| Return on Equity (ROE) | 8.1559% | 3,186 |
| Retained earnings to average equity (ytd only) | 8.1559% | 1,581 |
| Net charge-offs to loans | 0.3756% | 2,512 |
| Credit loss provision to net charge-offs | 61.1529% | 3,768 |
| Earnings coverage of net charge-offs (x) | 7.4500% | 2,481 |
| Efficiency ratio | 60.7986% | 5,452 |
| Assets per employee ($millions) | 7.3482% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,380 |
| Loan loss allowance to noncurrent loans | 18.3662% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 4.3064% | 1,158 |
| Noncurrent loans to loans | 6.5069% | 649 |
| Net loans and leases to total assets | 59.8533% | 3,852 |
| Net loans and leases to deposits | 75.3384% | 3,078 |
| Net loans and leases to core deposits | 82.2608% | 2,931 |
| Total domestic deposits to total assets | 79.4460% | 5,874 |
| Equity capital to assets | 13.0112% | 1,515 |
| Core capital (leverage) ratio | 10.7025% | 2,593 |
| Tier 1 risk-based capital ratio | 15.3786% | 3,518 |
| Total risk-based capital ratio | 16.4673% | 3,584 |
| Memoranda: | ||
| Average total assets | $3,587,073,330 | 224 |
| Average earning assets | $3,163,434,330 | 218 |
| Average equity | $453,879,670 | 210 |
| Average total loans | $2,050,506,000 | 241 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7399% | 2,890 |
| Cost of funding earning assets | 0.4793% | 5,949 |
| Net interest margin | 4.2606% | 1,588 |
| Noninterest income to average assets | 0.4775% | 4,084 |
| Noninterest expense to average assets | 2.8076% | 3,999 |
| Loan and lease loss provision to assets | 0.0718% | 4,504 |
| Net operating income to assets | 0.9113% | 2,861 |
| Return on assets (ROA) | 1.0705% | 2,391 |
| Pretax return on assets | 1.5895% | 1,602 |
| Return on Equity (ROE) | 8.5803% | 3,011 |
| Retained earnings to average equity (ytd only) | 8.5803% | 1,744 |
| Net charge-offs to loans | 0.4657% | 1,921 |
| Credit loss provision to net charge-offs | 27.8040% | 3,660 |
| Earnings coverage of net charge-offs (x) | 5.5101% | 2,354 |
| Efficiency ratio | 63.7180% | 4,978 |
| Assets per employee ($millions) | 7.2465% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 5,207 |
| Loan loss allowance to noncurrent loans | 20.2660% | 6,555 |
| Noncurrent assets plus other real estate owned to assets | 4.0039% | 1,373 |
| Noncurrent loans to loans | 6.2099% | 796 |
| Net loans and leases to total assets | 54.4880% | 4,640 |
| Net loans and leases to deposits | 71.1719% | 3,557 |
| Net loans and leases to core deposits | 77.1957% | 3,440 |
| Total domestic deposits to total assets | 76.5584% | 6,477 |
| Equity capital to assets | 12.3488% | 1,820 |
| Core capital (leverage) ratio | 10.2460% | 3,056 |
| Tier 1 risk-based capital ratio | 16.5993% | 2,867 |
| Total risk-based capital ratio | 17.7947% | 2,855 |
| Memoranda: | ||
| Average total assets | $3,602,355,500 | 222 |
| Average earning assets | $3,173,936,000 | 217 |
| Average equity | $449,446,500 | 207 |
| Average total loans | $1,998,541,500 | 241 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 5,636 |
| Cost of funding earning assets | 0.4707% | 6,653 |
| Net interest margin | 3.8687% | 3,476 |
| Noninterest income to average assets | 0.6521% | 2,873 |
| Noninterest expense to average assets | 2.8580% | 4,136 |
| Loan and lease loss provision to assets | 0.2753% | 3,466 |
| Net operating income to assets | 0.6432% | 3,773 |
| Return on assets (ROA) | 0.7043% | 3,651 |
| Pretax return on assets | 1.1206% | 2,761 |
| Return on Equity (ROE) | 6.5018% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.5018% | 1,734 |
| Net charge-offs to loans | 0.2829% | 4,010 |
| Credit loss provision to net charge-offs | 200.6848% | 1,237 |
| Earnings coverage of net charge-offs (x) | 9.4781% | 1,973 |
| Efficiency ratio | 65.6129% | 4,844 |
| Assets per employee ($millions) | 6.6107% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3860% | 4,532 |
| Loan loss allowance to noncurrent loans | 20.0987% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 4.4275% | 1,244 |
| Noncurrent loans to loans | 6.8958% | 650 |
| Net loans and leases to total assets | 55.0150% | 4,873 |
| Net loans and leases to deposits | 73.5128% | 3,575 |
| Net loans and leases to core deposits | 80.1259% | 3,439 |
| Total domestic deposits to total assets | 74.8373% | 6,626 |
| Equity capital to assets | 12.6098% | 1,738 |
| Core capital (leverage) ratio | 9.6580% | 3,797 |
| Tier 1 risk-based capital ratio | 17.1884% | 2,520 |
| Total risk-based capital ratio | 18.4395% | 2,479 |
| Memoranda: | ||
| Average total assets | $2,873,827,000 | 248 |
| Average earning assets | $2,604,669,000 | 245 |
| Average equity | $311,311,800 | 259 |
| Average total loans | $1,393,747,400 | 319 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9410% | 6,673 |
| Cost of funding earning assets | 0.4195% | 6,962 |
| Net interest margin | 3.5215% | 5,098 |
| Noninterest income to average assets | 0.5767% | 3,326 |
| Noninterest expense to average assets | 2.8234% | 4,258 |
| Loan and lease loss provision to assets | 0.2410% | 3,597 |
| Net operating income to assets | 0.4650% | 4,699 |
| Return on assets (ROA) | 0.5313% | 4,589 |
| Pretax return on assets | 0.8398% | 3,982 |
| Return on Equity (ROE) | 5.1805% | 4,464 |
| Retained earnings to average equity (ytd only) | 5.1805% | 3,075 |
| Net charge-offs to loans | 0.1525% | 4,547 |
| Credit loss provision to net charge-offs | 342.5577% | 824 |
| Earnings coverage of net charge-offs (x) | 13.8889% | 1,576 |
| Efficiency ratio | 70.7935% | 3,787 |
| Assets per employee ($millions) | 6.7911% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 4,575 |
| Loan loss allowance to noncurrent loans | 28.9104% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 3.0599% | 2,095 |
| Noncurrent loans to loans | 4.8354% | 1,324 |
| Net loans and leases to total assets | 51.2514% | 5,547 |
| Net loans and leases to deposits | 69.1499% | 4,433 |
| Net loans and leases to core deposits | 75.3153% | 4,275 |
| Total domestic deposits to total assets | 74.1163% | 6,744 |
| Equity capital to assets | 11.8353% | 2,388 |
| Core capital (leverage) ratio | 10.8777% | 2,493 |
| Tier 1 risk-based capital ratio | 17.5309% | 2,430 |
| Total risk-based capital ratio | 18.7268% | 2,425 |
| Memoranda: | ||
| Average total assets | $2,711,406,500 | 266 |
| Average earning assets | $2,482,377,750 | 257 |
| Average equity | $278,063,000 | 278 |
| Average total loans | $1,250,758,500 | 346 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 6,837 |
| Cost of funding earning assets | 0.3989% | 7,128 |
| Net interest margin | 3.4768% | 5,259 |
| Noninterest income to average assets | 0.3331% | 5,225 |
| Noninterest expense to average assets | 2.4870% | 5,592 |
| Loan and lease loss provision to assets | 0.2737% | 3,202 |
| Net operating income to assets | 0.5167% | 4,431 |
| Return on assets (ROA) | 0.5722% | 4,329 |
| Pretax return on assets | 0.9045% | 3,600 |
| Return on Equity (ROE) | 6.0592% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.0592% | 2,387 |
| Net charge-offs to loans | 0.2369% | 3,700 |
| Credit loss provision to net charge-offs | 267.8689% | 1,133 |
| Earnings coverage of net charge-offs (x) | 10.6828% | 1,780 |
| Efficiency ratio | 65.3975% | 4,984 |
| Assets per employee ($millions) | 5.8939% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4085% | 1,576 |
| Loan loss allowance to noncurrent loans | 92.7614% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.1475% | 4,591 |
| Noncurrent loans to loans | 2.5965% | 2,779 |
| Net loans and leases to total assets | 42.9835% | 6,525 |
| Net loans and leases to deposits | 52.1027% | 6,465 |
| Net loans and leases to core deposits | 57.9947% | 6,271 |
| Total domestic deposits to total assets | 82.4975% | 4,989 |
| Equity capital to assets | 9.7656% | 4,434 |
| Core capital (leverage) ratio | 6.7400% | 7,069 |
| Tier 1 risk-based capital ratio | 11.7955% | 5,940 |
| Total risk-based capital ratio | 13.0550% | 5,924 |
| Memoranda: | ||
| Average total assets | $2,388,283,670 | 297 |
| Average earning assets | $2,229,214,330 | 285 |
| Average equity | $225,540,330 | 325 |
| Average total loans | $1,029,946,670 | 421 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 6,788 |
| Cost of funding earning assets | 0.4105% | 7,203 |
| Net interest margin | 3.5184% | 4,923 |
| Noninterest income to average assets | 0.3379% | 5,204 |
| Noninterest expense to average assets | 2.4543% | 5,727 |
| Loan and lease loss provision to assets | 0.2736% | 2,965 |
| Net operating income to assets | 0.5681% | 4,189 |
| Return on assets (ROA) | 0.5639% | 4,297 |
| Pretax return on assets | 0.8873% | 3,555 |
| Return on Equity (ROE) | 6.0751% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.0751% | 2,596 |
| Net charge-offs to loans | 0.1056% | 3,903 |
| Credit loss provision to net charge-offs | 607.4349% | 612 |
| Earnings coverage of net charge-offs (x) | 25.9182% | 947 |
| Efficiency ratio | 63.7171% | 5,407 |
| Assets per employee ($millions) | 5.8467% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4565% | 1,521 |
| Loan loss allowance to noncurrent loans | 142.7520% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 5,503 |
| Noncurrent loans to loans | 1.7208% | 3,920 |
| Net loans and leases to total assets | 40.4197% | 6,749 |
| Net loans and leases to deposits | 48.8969% | 6,697 |
| Net loans and leases to core deposits | 54.1962% | 6,538 |
| Total domestic deposits to total assets | 82.6631% | 5,040 |
| Equity capital to assets | 9.2635% | 4,792 |
| Core capital (leverage) ratio | 6.5926% | 7,147 |
| Tier 1 risk-based capital ratio | 11.6423% | 5,987 |
| Total risk-based capital ratio | 12.8982% | 5,972 |
| Memoranda: | ||
| Average total assets | $2,388,913,000 | 299 |
| Average earning assets | $2,229,639,500 | 285 |
| Average equity | $221,757,000 | 327 |
| Average total loans | $1,019,246,000 | 429 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 6,645 |
| Cost of funding earning assets | 0.4192% | 7,410 |
| Net interest margin | 3.9636% | 3,186 |
| Noninterest income to average assets | 0.2992% | 5,656 |
| Noninterest expense to average assets | 2.6438% | 5,246 |
| Loan and lease loss provision to assets | 0.8852% | 1,850 |
| Net operating income to assets | 0.3054% | 4,916 |
| Return on assets (ROA) | 0.3137% | 5,057 |
| Pretax return on assets | 0.4978% | 4,627 |
| Return on Equity (ROE) | 3.4856% | 4,763 |
| Retained earnings to average equity (ytd only) | 3.4856% | 3,430 |
| Net charge-offs to loans | 0.4709% | 3,736 |
| Credit loss provision to net charge-offs | 406.1840% | 599 |
| Earnings coverage of net charge-offs (x) | 6.2869% | 2,392 |
| Efficiency ratio | 62.2985% | 5,679 |
| Assets per employee ($millions) | 5.6939% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1994% | 1,866 |
| Loan loss allowance to noncurrent loans | 149.6812% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 5,697 |
| Noncurrent loans to loans | 1.4694% | 4,282 |
| Net loans and leases to total assets | 42.9606% | 6,797 |
| Net loans and leases to deposits | 52.3014% | 6,724 |
| Net loans and leases to core deposits | 58.9358% | 6,476 |
| Total domestic deposits to total assets | 82.1404% | 5,143 |
| Equity capital to assets | 9.3025% | 4,687 |
| Core capital (leverage) ratio | 6.2446% | 7,255 |
| Tier 1 risk-based capital ratio | 11.0672% | 6,280 |
| Total risk-based capital ratio | 12.3253% | 6,243 |
| Memoranda: | ||
| Average total assets | $2,344,896,800 | 303 |
| Average earning assets | $2,197,606,800 | 291 |
| Average equity | $211,038,200 | 335 |
| Average total loans | $1,085,187,000 | 414 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5475% | 6,473 |
| Cost of funding earning assets | 0.4167% | 7,552 |
| Net interest margin | 4.1308% | 2,484 |
| Noninterest income to average assets | 0.2755% | 5,904 |
| Noninterest expense to average assets | 2.5567% | 5,484 |
| Loan and lease loss provision to assets | 1.0285% | 1,438 |
| Net operating income to assets | 0.3617% | 4,923 |
| Return on assets (ROA) | 0.3712% | 5,066 |
| Pretax return on assets | 0.5772% | 4,670 |
| Return on Equity (ROE) | 4.1599% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.1599% | 3,547 |
| Net charge-offs to loans | 0.6054% | 2,925 |
| Credit loss provision to net charge-offs | 362.4599% | 857 |
| Earnings coverage of net charge-offs (x) | 5.6065% | 2,710 |
| Efficiency ratio | 58.2336% | 6,236 |
| Assets per employee ($millions) | 5.5708% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9993% | 2,223 |
| Loan loss allowance to noncurrent loans | 140.7214% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 5,885 |
| Noncurrent loans to loans | 1.4208% | 4,483 |
| Net loans and leases to total assets | 42.4385% | 6,953 |
| Net loans and leases to deposits | 52.2518% | 6,880 |
| Net loans and leases to core deposits | 58.8098% | 6,683 |
| Total domestic deposits to total assets | 81.2192% | 5,294 |
| Equity capital to assets | 9.6286% | 4,653 |
| Core capital (leverage) ratio | 6.2492% | 7,395 |
| Tier 1 risk-based capital ratio | 11.0591% | 6,323 |
| Total risk-based capital ratio | 12.3150% | 6,307 |
| Memoranda: | ||
| Average total assets | $2,341,802,500 | 303 |
| Average earning assets | $2,195,137,000 | 288 |
| Average equity | $208,976,250 | 334 |
| Average total loans | $1,097,615,500 | 414 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4954% | 6,722 |
| Cost of funding earning assets | 0.2854% | 7,719 |
| Net interest margin | 4.2100% | 2,125 |
| Noninterest income to average assets | 0.0702% | 7,228 |
| Noninterest expense to average assets | 2.3540% | 6,205 |
| Loan and lease loss provision to assets | 1.2649% | 1,101 |
| Net operating income to assets | 0.2410% | 5,402 |
| Return on assets (ROA) | 0.2534% | 5,502 |
| Pretax return on assets | 0.4095% | 5,192 |
| Return on Equity (ROE) | 3.0595% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.0595% | 4,152 |
| Net charge-offs to loans | -0.0192% | 7,276 |
| Credit loss provision to net charge-offs | -14,656.4103% | 7,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2820% | 6,847 |
| Assets per employee ($millions) | 5.2186% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 3,807 |
| Loan loss allowance to noncurrent loans | 46,040.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 7,414 |
| Noncurrent loans to loans | 0.0033% | 7,335 |
| Net loans and leases to total assets | 41.7040% | 7,055 |
| Net loans and leases to deposits | 51.9129% | 6,983 |
| Net loans and leases to core deposits | 52.9658% | 7,088 |
| Total domestic deposits to total assets | 80.3345% | 5,620 |
| Equity capital to assets | 9.1462% | 5,224 |
| Core capital (leverage) ratio | 5.0776% | 7,598 |
| Tier 1 risk-based capital ratio | 9.0478% | 7,401 |
| Total risk-based capital ratio | 10.3013% | 7,409 |
| Memoranda: | ||
| Average total assets | $1,807,527,670 | 380 |
| Average earning assets | $1,691,147,670 | 369 |
| Average equity | $149,696,670 | 452 |
| Average total loans | $813,008,330 | 541 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 7,556 |
| Cost of funding earning assets | 0.2493% | 7,840 |
| Net interest margin | 3.5970% | 4,744 |
| Noninterest income to average assets | 0.1392% | 6,986 |
| Noninterest expense to average assets | 2.0674% | 7,019 |
| Loan and lease loss provision to assets | 2.5171% | 423 |
| Net operating income to assets | -0.6523% | 6,933 |
| Return on assets (ROA) | -0.6523% | 6,962 |
| Pretax return on assets | -1.0624% | 7,081 |
| Return on Equity (ROE) | -8.3008% | 7,070 |
| Retained earnings to average equity (ytd only) | -8.3008% | 6,853 |
| Net charge-offs to loans | -0.0181% | 7,048 |
| Credit loss provision to net charge-offs | -30,121.0526% | 6,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1396% | 6,958 |
| Assets per employee ($millions) | 5.1568% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 4,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 7,495 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 44.0028% | 6,991 |
| Net loans and leases to deposits | 53.4541% | 6,952 |
| Net loans and leases to core deposits | 54.5756% | 7,072 |
| Total domestic deposits to total assets | 82.3188% | 4,924 |
| Equity capital to assets | 8.5890% | 5,884 |
| Core capital (leverage) ratio | 4.7427% | 7,723 |
| Tier 1 risk-based capital ratio | 8.1344% | 7,599 |
| Total risk-based capital ratio | 9.3873% | 7,603 |
| Memoranda: | ||
| Average total assets | $1,818,913,500 | 392 |
| Average earning assets | $1,710,659,000 | 377 |
| Average equity | $142,926,000 | 476 |
| Average total loans | $841,600,500 | 541 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2477% | 7,856 |
| Cost of funding earning assets | 0.3109% | 7,899 |
| Net interest margin | 2.9369% | 6,785 |
| Noninterest income to average assets | 0.2897% | 6,039 |
| Noninterest expense to average assets | 6.5243% | 246 |
| Loan and lease loss provision to assets | 8.2245% | 40 |
| Net operating income to assets | -8.9087% | 7,956 |
| Return on assets (ROA) | -8.9073% | 7,959 |
| Pretax return on assets | -11.6886% | 7,983 |
| Return on Equity (ROE) | -89.2897% | 7,898 |
| Retained earnings to average equity (ytd only) | -89.2897% | 7,896 |
| Net charge-offs to loans | 1.8931% | 1,311 |
| Credit loss provision to net charge-offs | 656.8307% | 443 |
| Earnings coverage of net charge-offs (x) | -2.7680% | 7,041 |
| Efficiency ratio | 88.8932% | 1,810 |
| Assets per employee ($millions) | 5.0913% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1897% | 320 |
| Loan loss allowance to noncurrent loans | 14,786.2903% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 7,435 |
| Noncurrent loans to loans | 0.0283% | 7,364 |
| Net loans and leases to total assets | 45.8795% | 6,989 |
| Net loans and leases to deposits | 49.9932% | 7,260 |
| Net loans and leases to core deposits | 51.6006% | 7,541 |
| Total domestic deposits to total assets | 91.7714% | 312 |
| Equity capital to assets | 7.1337% | 7,303 |
| Core capital (leverage) ratio | 5.4566% | 7,721 |
| Tier 1 risk-based capital ratio | 10.5134% | 6,386 |
| Total risk-based capital ratio | 11.7935% | 6,333 |
| Memoranda: | ||
| Average total assets | $2,171,149,600 | 327 |
| Average earning assets | $2,046,809,000 | 319 |
| Average equity | $216,588,200 | 334 |
| Average total loans | $1,436,050,800 | 349 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2783% | 7,958 |
| Cost of funding earning assets | 0.2994% | 8,005 |
| Net interest margin | 2.9789% | 6,662 |
| Noninterest income to average assets | 0.2883% | 6,175 |
| Noninterest expense to average assets | 7.4941% | 173 |
| Loan and lease loss provision to assets | 5.5238% | 135 |
| Net operating income to assets | -8.1432% | 8,015 |
| Return on assets (ROA) | -8.1433% | 8,015 |
| Pretax return on assets | -9.9297% | 8,041 |
| Return on Equity (ROE) | -77.1790% | 7,954 |
| Retained earnings to average equity (ytd only) | -77.1790% | 7,952 |
| Net charge-offs to loans | 2.2963% | 821 |
| Credit loss provision to net charge-offs | 344.4432% | 1,189 |
| Earnings coverage of net charge-offs (x) | -2.7473% | 6,792 |
| Efficiency ratio | 84.6108% | 2,231 |
| Assets per employee ($millions) | 5.8194% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6886% | 57 |
| Loan loss allowance to noncurrent loans | 33.5331% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 14.8952% | 121 |
| Noncurrent loans to loans | 19.9462% | 63 |
| Net loans and leases to total assets | 69.5996% | 3,599 |
| Net loans and leases to deposits | 88.6767% | 2,839 |
| Net loans and leases to core deposits | 92.4573% | 5,187 |
| Total domestic deposits to total assets | 78.4868% | 5,952 |
| Equity capital to assets | 8.8688% | 5,679 |
| Core capital (leverage) ratio | 7.4173% | 7,060 |
| Tier 1 risk-based capital ratio | 9.3707% | 7,450 |
| Total risk-based capital ratio | 10.6841% | 7,383 |
| Memoranda: | ||
| Average total assets | $2,256,991,750 | 334 |
| Average earning assets | $2,121,393,250 | 322 |
| Average equity | $238,138,250 | 307 |
| Average total loans | $1,576,252,000 | 333 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3727% | 8,048 |
| Cost of funding earning assets | 0.2922% | 8,102 |
| Net interest margin | 3.0805% | 6,306 |
| Noninterest income to average assets | 0.2778% | 6,278 |
| Noninterest expense to average assets | 9.1584% | 128 |
| Loan and lease loss provision to assets | 6.0590% | 132 |
| Net operating income to assets | -10.3088% | 8,128 |
| Return on assets (ROA) | -10.3089% | 8,125 |
| Pretax return on assets | -12.0558% | 8,138 |
| Return on Equity (ROE) | -93.2749% | 8,069 |
| Retained earnings to average equity (ytd only) | -93.2749% | 8,068 |
| Net charge-offs to loans | 2.2870% | 779 |
| Credit loss provision to net charge-offs | 387.1851% | 1,201 |
| Earnings coverage of net charge-offs (x) | -3.8320% | 6,429 |
| Efficiency ratio | 64.2541% | 5,863 |
| Assets per employee ($millions) | 6.1810% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6286% | 93 |
| Loan loss allowance to noncurrent loans | 52.4961% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 7.8178% | 496 |
| Noncurrent loans to loans | 10.7220% | 301 |
| Net loans and leases to total assets | 68.6614% | 4,031 |
| Net loans and leases to deposits | 105.4170% | 800 |
| Net loans and leases to core deposits | 111.2842% | 3,227 |
| Total domestic deposits to total assets | 65.1332% | 7,785 |
| Equity capital to assets | 8.2558% | 6,408 |
| Core capital (leverage) ratio | 7.0875% | 7,468 |
| Tier 1 risk-based capital ratio | 9.4605% | 7,426 |
| Total risk-based capital ratio | 10.7546% | 7,342 |
| Memoranda: | ||
| Average total assets | $2,318,755,670 | 331 |
| Average earning assets | $2,170,751,330 | 324 |
| Average equity | $256,272,670 | 300 |
| Average total loans | $1,586,586,330 | 342 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 8,106 |
| Cost of funding earning assets | 0.2818% | 8,161 |
| Net interest margin | 3.1072% | 6,177 |
| Noninterest income to average assets | 0.2667% | 6,307 |
| Noninterest expense to average assets | 1.9767% | 7,405 |
| Loan and lease loss provision to assets | 1.2009% | 1,079 |
| Net operating income to assets | -0.0748% | 6,371 |
| Return on assets (ROA) | -0.0748% | 6,489 |
| Pretax return on assets | -0.0268% | 6,410 |
| Return on Equity (ROE) | -0.6069% | 6,481 |
| Retained earnings to average equity (ytd only) | -0.6069% | 5,790 |
| Net charge-offs to loans | 1.6334% | 888 |
| Credit loss provision to net charge-offs | 110.6383% | 3,485 |
| Earnings coverage of net charge-offs (x) | 1.0817% | 4,219 |
| Efficiency ratio | 57.3136% | 6,786 |
| Assets per employee ($millions) | 6.7381% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3778% | 874 |
| Loan loss allowance to noncurrent loans | 29.1000% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 5.4756% | 781 |
| Noncurrent loans to loans | 8.1711% | 431 |
| Net loans and leases to total assets | 65.2343% | 4,757 |
| Net loans and leases to deposits | 109.8172% | 624 |
| Net loans and leases to core deposits | 115.5871% | 2,840 |
| Total domestic deposits to total assets | 59.4026% | 7,978 |
| Equity capital to assets | 12.5812% | 1,933 |
| Core capital (leverage) ratio | 9.3863% | 4,122 |
| Tier 1 risk-based capital ratio | 11.9008% | 5,044 |
| Total risk-based capital ratio | 13.1625% | 4,946 |
| Memoranda: | ||
| Average total assets | $2,390,273,000 | 326 |
| Average earning assets | $2,218,560,000 | 321 |
| Average equity | $294,597,500 | 265 |
| Average total loans | $1,588,389,000 | 347 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1734% | 7,703 |
| Cost of funding earning assets | 0.9833% | 8,060 |
| Net interest margin | 4.1901% | 2,354 |
| Noninterest income to average assets | 0.3008% | 6,308 |
| Noninterest expense to average assets | 2.2564% | 6,817 |
| Loan and lease loss provision to assets | 1.7076% | 758 |
| Net operating income to assets | 0.0814% | 6,152 |
| Return on assets (ROA) | 0.0816% | 5,995 |
| Pretax return on assets | 0.1024% | 5,937 |
| Return on Equity (ROE) | 0.5597% | 6,052 |
| Retained earnings to average equity (ytd only) | 0.5597% | 4,903 |
| Net charge-offs to loans | 1.2440% | 968 |
| Credit loss provision to net charge-offs | 223.2000% | 2,134 |
| Earnings coverage of net charge-offs (x) | 2.3654% | 4,896 |
| Efficiency ratio | 46.9173% | 7,881 |
| Assets per employee ($millions) | 6.5101% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3241% | 827 |
| Loan loss allowance to noncurrent loans | 32.0531% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 4.8070% | 750 |
| Noncurrent loans to loans | 7.2507% | 404 |
| Net loans and leases to total assets | 64.5510% | 5,163 |
| Net loans and leases to deposits | 105.1156% | 1,212 |
| Net loans and leases to core deposits | 113.9721% | 3,342 |
| Total domestic deposits to total assets | 61.4095% | 7,910 |
| Equity capital to assets | 12.0724% | 2,249 |
| Core capital (leverage) ratio | 9.4805% | 4,036 |
| Tier 1 risk-based capital ratio | 11.6800% | 5,072 |
| Total risk-based capital ratio | 12.9410% | 4,962 |
| Memoranda: | ||
| Average total assets | $2,483,521,400 | 303 |
| Average earning assets | $2,231,725,800 | 302 |
| Average equity | $361,987,200 | 240 |
| Average total loans | $1,527,374,800 | 346 |