Home > Talmer Bank and Trust > Performance and Condition Ratios
Talmer Bank and Trust, 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 | 0.4101% | 5,973 |
| Cost of funding earning assets | 0.0123% | 5,946 |
| Net interest margin | 0.3977% | 5,972 |
| Noninterest income to average assets | 0.1286% | 5,608 |
| Noninterest expense to average assets | 0.7689% | 5,947 |
| Loan and lease loss provision to assets | 0.0236% | 3,775 |
| Net operating income to assets | -0.2309% | 5,804 |
| Return on assets (ROA) | -0.2309% | 5,814 |
| Pretax return on assets | -0.3106% | 5,817 |
| Return on Equity (ROE) | -1.6269% | 5,804 |
| Retained earnings to average equity (ytd only) | -1.6269% | 5,568 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.0695% | 32 |
| Assets per employee ($millions) | 6.3573% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0239% | 5,925 |
| Loan loss allowance to noncurrent loans | 2.8569% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 2,729 |
| Noncurrent loans to loans | 0.8373% | 2,589 |
| Net loans and leases to total assets | 67.6160% | 2,851 |
| Net loans and leases to deposits | 95.8150% | 1,067 |
| Net loans and leases to core deposits | 114.0626% | 718 |
| Total domestic deposits to total assets | 70.5693% | 5,662 |
| Equity capital to assets | 21.2284% | 192 |
| Core capital (leverage) ratio | 10.8850% | 2,588 |
| Tier 1 risk-based capital ratio | 12.6039% | 4,410 |
| Total risk-based capital ratio | 12.6988% | 5,027 |
| Memoranda: | ||
| Average total assets | $6,945,456,500 | 165 |
| Average earning assets | $6,169,605,750 | 164 |
| Average equity | $985,723,250 | 142 |
| Average total loans | $5,008,577,000 | 161 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 2,760 |
| Cost of funding earning assets | 0.4115% | 2,925 |
| Net interest margin | 3.7143% | 2,641 |
| Noninterest income to average assets | 0.9818% | 1,166 |
| Noninterest expense to average assets | 2.6354% | 3,589 |
| Loan and lease loss provision to assets | 0.0653% | 2,837 |
| Net operating income to assets | 1.2681% | 1,365 |
| Return on assets (ROA) | 1.2756% | 1,460 |
| Pretax return on assets | 1.6872% | 1,128 |
| Return on Equity (ROE) | 11.0467% | 1,621 |
| Retained earnings to average equity (ytd only) | 11.0467% | 434 |
| Net charge-offs to loans | 0.1838% | 1,241 |
| Credit loss provision to net charge-offs | 48.1709% | 2,690 |
| Earnings coverage of net charge-offs (x) | 12.8460% | 2,161 |
| Efficiency ratio | 59.3716% | 4,732 |
| Assets per employee ($millions) | 5.3869% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 4,434 |
| Loan loss allowance to noncurrent loans | 61.5717% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.4396% | 1,349 |
| Noncurrent loans to loans | 1.6470% | 1,294 |
| Net loans and leases to total assets | 72.9685% | 2,020 |
| Net loans and leases to deposits | 95.4013% | 1,149 |
| Net loans and leases to core deposits | 116.8071% | 616 |
| Total domestic deposits to total assets | 76.4859% | 5,224 |
| Equity capital to assets | 11.6291% | 2,417 |
| Core capital (leverage) ratio | 10.8887% | 2,544 |
| Tier 1 risk-based capital ratio | 12.8987% | 4,260 |
| Total risk-based capital ratio | 13.8523% | 4,354 |
| Memoranda: | ||
| Average total assets | $6,730,390,670 | 167 |
| Average earning assets | $6,153,925,330 | 163 |
| Average equity | $777,172,330 | 168 |
| Average total loans | $4,966,861,330 | 162 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1243% | 2,754 |
| Cost of funding earning assets | 0.4016% | 3,045 |
| Net interest margin | 3.7226% | 2,583 |
| Noninterest income to average assets | 0.8945% | 1,326 |
| Noninterest expense to average assets | 2.6812% | 3,489 |
| Loan and lease loss provision to assets | -0.0644% | 5,959 |
| Net operating income to assets | 1.3972% | 1,038 |
| Return on assets (ROA) | 1.4139% | 1,073 |
| Pretax return on assets | 1.6965% | 1,079 |
| Return on Equity (ROE) | 12.2896% | 1,221 |
| Retained earnings to average equity (ytd only) | 12.2896% | 462 |
| Net charge-offs to loans | 0.0411% | 2,181 |
| Credit loss provision to net charge-offs | -212.3016% | 4,358 |
| Earnings coverage of net charge-offs (x) | 53.1369% | 843 |
| Efficiency ratio | 61.5936% | 4,510 |
| Assets per employee ($millions) | 5.2540% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 4,296 |
| Loan loss allowance to noncurrent loans | 49.7492% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 1.8858% | 954 |
| Noncurrent loans to loans | 2.1275% | 984 |
| Net loans and leases to total assets | 73.0362% | 1,882 |
| Net loans and leases to deposits | 94.7578% | 1,065 |
| Net loans and leases to core deposits | 116.3717% | 577 |
| Total domestic deposits to total assets | 77.0767% | 5,278 |
| Equity capital to assets | 11.6097% | 2,335 |
| Core capital (leverage) ratio | 10.6689% | 2,774 |
| Tier 1 risk-based capital ratio | 12.6807% | 4,465 |
| Total risk-based capital ratio | 13.6679% | 4,539 |
| Memoranda: | ||
| Average total assets | $6,645,264,500 | 170 |
| Average earning assets | $6,067,019,000 | 167 |
| Average equity | $764,517,000 | 171 |
| Average total loans | $4,906,850,000 | 160 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 2,828 |
| Cost of funding earning assets | 0.3296% | 3,916 |
| Net interest margin | 3.7962% | 2,389 |
| Noninterest income to average assets | 1.6376% | 483 |
| Noninterest expense to average assets | 3.6896% | 993 |
| Loan and lease loss provision to assets | -0.1432% | 5,915 |
| Net operating income to assets | 1.0690% | 2,046 |
| Return on assets (ROA) | 1.0701% | 2,114 |
| Pretax return on assets | 1.5099% | 1,524 |
| Return on Equity (ROE) | 8.8753% | 2,514 |
| Retained earnings to average equity (ytd only) | -3.5819% | 5,852 |
| Net charge-offs to loans | -0.1648% | 5,920 |
| Credit loss provision to net charge-offs | 118.4541% | 2,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1684% | 2,882 |
| Assets per employee ($millions) | 5.1177% | 2,219 |
| Cash dividends to net income (ytd only)* | 140.3581% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,998 |
| Loan loss allowance to noncurrent loans | 44.5237% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 2.1863% | 775 |
| Noncurrent loans to loans | 2.4908% | 739 |
| Net loans and leases to total assets | 73.0434% | 1,883 |
| Net loans and leases to deposits | 95.6989% | 1,044 |
| Net loans and leases to core deposits | 116.8212% | 579 |
| Total domestic deposits to total assets | 76.3263% | 5,409 |
| Equity capital to assets | 11.3978% | 2,450 |
| Core capital (leverage) ratio | 10.5371% | 2,890 |
| Tier 1 risk-based capital ratio | 12.4269% | 4,685 |
| Total risk-based capital ratio | 13.4437% | 4,730 |
| Memoranda: | ||
| Average total assets | $6,324,801,800 | 167 |
| Average earning assets | $5,693,070,800 | 164 |
| Average equity | $762,607,000 | 162 |
| Average total loans | $4,638,180,400 | 161 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,127 |
| Cost of funding earning assets | 0.3151% | 4,168 |
| Net interest margin | 3.7375% | 2,621 |
| Noninterest income to average assets | 1.6880% | 461 |
| Noninterest expense to average assets | 3.5424% | 1,208 |
| Loan and lease loss provision to assets | -0.0962% | 5,992 |
| Net operating income to assets | 1.1296% | 1,897 |
| Return on assets (ROA) | 1.1311% | 1,965 |
| Pretax return on assets | 1.5951% | 1,395 |
| Return on Equity (ROE) | 9.2482% | 2,441 |
| Retained earnings to average equity (ytd only) | 6.6358% | 1,873 |
| Net charge-offs to loans | -0.1452% | 5,914 |
| Credit loss provision to net charge-offs | 90.4991% | 2,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4623% | 3,301 |
| Assets per employee ($millions) | 4.9988% | 2,297 |
| Cash dividends to net income (ytd only)* | 28.2470% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 3,852 |
| Loan loss allowance to noncurrent loans | 42.7280% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.4300% | 725 |
| Noncurrent loans to loans | 2.7215% | 701 |
| Net loans and leases to total assets | 73.0888% | 1,891 |
| Net loans and leases to deposits | 92.3738% | 1,368 |
| Net loans and leases to core deposits | 115.1926% | 628 |
| Total domestic deposits to total assets | 79.1228% | 4,947 |
| Equity capital to assets | 11.3703% | 2,621 |
| Core capital (leverage) ratio | 11.2741% | 2,220 |
| Tier 1 risk-based capital ratio | 12.5018% | 4,759 |
| Total risk-based capital ratio | 13.5859% | 4,771 |
| Memoranda: | ||
| Average total assets | $6,259,389,750 | 169 |
| Average earning assets | $5,612,336,500 | 165 |
| Average equity | $765,580,750 | 164 |
| Average total loans | $4,581,494,750 | 161 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 4,344 |
| Cost of funding earning assets | 0.3022% | 4,376 |
| Net interest margin | 3.4208% | 3,828 |
| Noninterest income to average assets | 1.7905% | 431 |
| Noninterest expense to average assets | 3.6644% | 1,033 |
| Loan and lease loss provision to assets | -0.2757% | 6,218 |
| Net operating income to assets | 1.0058% | 2,363 |
| Return on assets (ROA) | 1.0032% | 2,479 |
| Pretax return on assets | 1.4701% | 1,728 |
| Return on Equity (ROE) | 8.7060% | 2,699 |
| Retained earnings to average equity (ytd only) | 3.8584% | 3,549 |
| Net charge-offs to loans | -0.1385% | 5,906 |
| Credit loss provision to net charge-offs | 263.4520% | 1,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5437% | 2,609 |
| Assets per employee ($millions) | 4.6193% | 2,805 |
| Cash dividends to net income (ytd only)* | 55.6814% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 4,598 |
| Loan loss allowance to noncurrent loans | 42.9524% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 2.2856% | 890 |
| Noncurrent loans to loans | 2.4484% | 923 |
| Net loans and leases to total assets | 74.3207% | 1,609 |
| Net loans and leases to deposits | 97.3269% | 853 |
| Net loans and leases to core deposits | 124.0881% | 374 |
| Total domestic deposits to total assets | 76.3619% | 5,550 |
| Equity capital to assets | 11.3096% | 2,567 |
| Core capital (leverage) ratio | 11.1355% | 2,303 |
| Tier 1 risk-based capital ratio | 13.1841% | 4,403 |
| Total risk-based capital ratio | 14.1973% | 4,464 |
| Memoranda: | ||
| Average total assets | $5,370,377,670 | 189 |
| Average earning assets | $4,822,899,670 | 187 |
| Average equity | $618,864,000 | 185 |
| Average total loans | $4,056,914,000 | 176 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8871% | 3,674 |
| Cost of funding earning assets | 0.2837% | 4,625 |
| Net interest margin | 3.6034% | 2,986 |
| Noninterest income to average assets | 1.5784% | 492 |
| Noninterest expense to average assets | 3.6131% | 1,121 |
| Loan and lease loss provision to assets | 0.0248% | 3,378 |
| Net operating income to assets | 0.8135% | 3,196 |
| Return on assets (ROA) | 0.8078% | 3,341 |
| Pretax return on assets | 1.1595% | 2,840 |
| Return on Equity (ROE) | 6.9415% | 3,540 |
| Retained earnings to average equity (ytd only) | -2.8851% | 5,783 |
| Net charge-offs to loans | 0.3987% | 613 |
| Credit loss provision to net charge-offs | 8.2009% | 2,441 |
| Earnings coverage of net charge-offs (x) | 3.9470% | 2,546 |
| Efficiency ratio | 74.3532% | 2,754 |
| Assets per employee ($millions) | 4.4956% | 3,061 |
| Cash dividends to net income (ytd only)* | 141.5629% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 4,462 |
| Loan loss allowance to noncurrent loans | 35.0098% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 2.7524% | 727 |
| Noncurrent loans to loans | 3.1704% | 646 |
| Net loans and leases to total assets | 74.1126% | 1,482 |
| Net loans and leases to deposits | 97.9934% | 677 |
| Net loans and leases to core deposits | 126.1720% | 296 |
| Total domestic deposits to total assets | 75.6303% | 5,774 |
| Equity capital to assets | 11.3978% | 2,558 |
| Core capital (leverage) ratio | 11.3659% | 2,106 |
| Tier 1 risk-based capital ratio | 12.4166% | 4,966 |
| Total risk-based capital ratio | 13.4244% | 5,038 |
| Memoranda: | ||
| Average total assets | $5,246,972,500 | 189 |
| Average earning assets | $4,699,144,000 | 186 |
| Average equity | $610,587,000 | 186 |
| Average total loans | $3,976,222,000 | 175 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 2,655 |
| Cost of funding earning assets | 0.2535% | 5,287 |
| Net interest margin | 4.0335% | 1,792 |
| Noninterest income to average assets | 1.5935% | 499 |
| Noninterest expense to average assets | 3.7494% | 1,066 |
| Loan and lease loss provision to assets | -0.0292% | 5,961 |
| Net operating income to assets | 1.1790% | 1,647 |
| Return on assets (ROA) | 1.1422% | 1,872 |
| Pretax return on assets | 1.3604% | 2,040 |
| Return on Equity (ROE) | 9.4396% | 2,366 |
| Retained earnings to average equity (ytd only) | 5.0638% | 2,556 |
| Net charge-offs to loans | 0.2267% | 1,856 |
| Credit loss provision to net charge-offs | -17.6984% | 5,343 |
| Earnings coverage of net charge-offs (x) | 8.3382% | 2,898 |
| Efficiency ratio | 72.2598% | 3,161 |
| Assets per employee ($millions) | 4.3456% | 3,277 |
| Cash dividends to net income (ytd only)* | 46.3564% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 3,618 |
| Loan loss allowance to noncurrent loans | 33.0603% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 3.3441% | 567 |
| Noncurrent loans to loans | 3.8279% | 506 |
| Net loans and leases to total assets | 75.7145% | 1,312 |
| Net loans and leases to deposits | 97.8617% | 774 |
| Net loans and leases to core deposits | 130.9583% | 231 |
| Total domestic deposits to total assets | 77.3689% | 5,540 |
| Equity capital to assets | 11.8952% | 2,090 |
| Core capital (leverage) ratio | 11.5846% | 1,912 |
| Tier 1 risk-based capital ratio | 15.0364% | 3,466 |
| Total risk-based capital ratio | 16.2880% | 3,407 |
| Memoranda: | ||
| Average total assets | $4,721,564,400 | 193 |
| Average earning assets | $4,133,298,600 | 199 |
| Average equity | $571,315,400 | 183 |
| Average total loans | $3,433,838,600 | 187 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 2,389 |
| Cost of funding earning assets | 0.2468% | 5,441 |
| Net interest margin | 4.1126% | 1,537 |
| Noninterest income to average assets | 1.7401% | 429 |
| Noninterest expense to average assets | 3.9919% | 761 |
| Loan and lease loss provision to assets | -0.0669% | 6,222 |
| Net operating income to assets | 1.2522% | 1,520 |
| Return on assets (ROA) | 1.1987% | 1,752 |
| Pretax return on assets | 1.3392% | 2,237 |
| Return on Equity (ROE) | 9.8615% | 2,283 |
| Retained earnings to average equity (ytd only) | 3.9526% | 3,836 |
| Net charge-offs to loans | 0.1705% | 2,090 |
| Credit loss provision to net charge-offs | -54.8106% | 5,359 |
| Earnings coverage of net charge-offs (x) | 10.9031% | 2,493 |
| Efficiency ratio | 74.0762% | 2,810 |
| Assets per employee ($millions) | 4.2566% | 3,372 |
| Cash dividends to net income (ytd only)* | 59.9190% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 3,166 |
| Loan loss allowance to noncurrent loans | 30.8390% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 3.9163% | 521 |
| Noncurrent loans to loans | 4.5458% | 429 |
| Net loans and leases to total assets | 73.9951% | 1,523 |
| Net loans and leases to deposits | 94.8763% | 968 |
| Net loans and leases to core deposits | 121.8762% | 353 |
| Total domestic deposits to total assets | 77.9911% | 5,538 |
| Equity capital to assets | 11.9765% | 2,078 |
| Core capital (leverage) ratio | 11.5119% | 2,053 |
| Tier 1 risk-based capital ratio | 15.3936% | 3,375 |
| Total risk-based capital ratio | 16.6474% | 3,309 |
| Memoranda: | ||
| Average total assets | $4,640,634,000 | 195 |
| Average earning assets | $4,043,496,250 | 199 |
| Average equity | $564,107,000 | 185 |
| Average total loans | $3,325,054,500 | 187 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 2,176 |
| Cost of funding earning assets | 0.2399% | 5,584 |
| Net interest margin | 4.1597% | 1,352 |
| Noninterest income to average assets | 1.4444% | 580 |
| Noninterest expense to average assets | 4.2022% | 597 |
| Loan and lease loss provision to assets | -0.0968% | 6,371 |
| Net operating income to assets | 1.1235% | 1,844 |
| Return on assets (ROA) | 1.0221% | 2,308 |
| Pretax return on assets | 0.8464% | 4,093 |
| Return on Equity (ROE) | 8.3640% | 2,911 |
| Retained earnings to average equity (ytd only) | -0.6199% | 5,799 |
| Net charge-offs to loans | 0.0809% | 2,881 |
| Credit loss provision to net charge-offs | -169.9306% | 5,365 |
| Earnings coverage of net charge-offs (x) | 14.9429% | 1,883 |
| Efficiency ratio | 82.1550% | 1,722 |
| Assets per employee ($millions) | 3.6326% | 4,592 |
| Cash dividends to net income (ytd only)* | 107.4114% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 2,385 |
| Loan loss allowance to noncurrent loans | 35.9747% | 5,614 |
| Noncurrent assets plus other real estate owned to assets | 3.7968% | 592 |
| Noncurrent loans to loans | 4.5099% | 487 |
| Net loans and leases to total assets | 70.7379% | 1,961 |
| Net loans and leases to deposits | 93.2442% | 1,029 |
| Net loans and leases to core deposits | 101.8591% | 1,141 |
| Total domestic deposits to total assets | 75.8630% | 5,926 |
| Equity capital to assets | 12.1326% | 1,896 |
| Core capital (leverage) ratio | 12.0869% | 1,613 |
| Tier 1 risk-based capital ratio | 16.1515% | 3,007 |
| Total risk-based capital ratio | 17.4082% | 2,952 |
| Memoranda: | ||
| Average total assets | $4,554,391,000 | 197 |
| Average earning assets | $3,951,300,670 | 200 |
| Average equity | $556,552,330 | 185 |
| Average total loans | $3,207,795,000 | 189 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 2,584 |
| Cost of funding earning assets | 0.2475% | 5,602 |
| Net interest margin | 4.0346% | 1,646 |
| Noninterest income to average assets | 1.3437% | 638 |
| Noninterest expense to average assets | 4.2223% | 591 |
| Loan and lease loss provision to assets | 0.3168% | 585 |
| Net operating income to assets | 0.1871% | 5,835 |
| Return on assets (ROA) | 0.0554% | 6,137 |
| Pretax return on assets | 0.0985% | 6,080 |
| Return on Equity (ROE) | 0.4517% | 6,156 |
| Retained earnings to average equity (ytd only) | -17.7044% | 6,503 |
| Net charge-offs to loans | 0.1254% | 1,966 |
| Credit loss provision to net charge-offs | 362.4873% | 693 |
| Earnings coverage of net charge-offs (x) | 7.1070% | 2,155 |
| Efficiency ratio | 86.1029% | 1,442 |
| Assets per employee ($millions) | 3.1752% | 5,558 |
| Cash dividends to net income (ytd only)* | 4,019.2926% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9165% | 1,702 |
| Loan loss allowance to noncurrent loans | 37.4042% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 4.2592% | 531 |
| Noncurrent loans to loans | 5.1238% | 427 |
| Net loans and leases to total assets | 70.0342% | 1,878 |
| Net loans and leases to deposits | 86.7746% | 1,497 |
| Net loans and leases to core deposits | 92.8874% | 1,647 |
| Total domestic deposits to total assets | 80.7082% | 5,311 |
| Equity capital to assets | 12.2063% | 1,742 |
| Core capital (leverage) ratio | 11.2618% | 2,164 |
| Tier 1 risk-based capital ratio | 16.2265% | 3,044 |
| Total risk-based capital ratio | 17.4856% | 3,001 |
| Memoranda: | ||
| Average total assets | $4,490,359,000 | 201 |
| Average earning assets | $3,895,032,000 | 200 |
| Average equity | $550,777,000 | 187 |
| Average total loans | $3,128,244,500 | 189 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 1,140 |
| Cost of funding earning assets | 0.2418% | 6,019 |
| Net interest margin | 4.6350% | 566 |
| Noninterest income to average assets | 1.3318% | 782 |
| Noninterest expense to average assets | 4.5753% | 494 |
| Loan and lease loss provision to assets | -0.5523% | 6,755 |
| Net operating income to assets | 0.8092% | 3,247 |
| Return on assets (ROA) | 0.8214% | 3,276 |
| Pretax return on assets | 1.2008% | 2,581 |
| Return on Equity (ROE) | 6.9410% | 3,585 |
| Retained earnings to average equity (ytd only) | -25.7244% | 6,700 |
| Net charge-offs to loans | 0.0849% | 4,023 |
| Credit loss provision to net charge-offs | -1,056.6387% | 6,233 |
| Earnings coverage of net charge-offs (x) | 12.0647% | 2,171 |
| Efficiency ratio | 86.9808% | 1,314 |
| Assets per employee ($millions) | 3.0692% | 5,727 |
| Cash dividends to net income (ytd only)* | 470.6134% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2574% | 349 |
| Loan loss allowance to noncurrent loans | 40.8993% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 5.6555% | 362 |
| Noncurrent loans to loans | 7.9644% | 192 |
| Net loans and leases to total assets | 62.6075% | 3,274 |
| Net loans and leases to deposits | 74.5930% | 3,177 |
| Net loans and leases to core deposits | 81.4524% | 2,960 |
| Total domestic deposits to total assets | 83.9321% | 4,190 |
| Equity capital to assets | 10.3511% | 3,342 |
| Core capital (leverage) ratio | 10.3083% | 3,141 |
| Tier 1 risk-based capital ratio | 17.1043% | 2,563 |
| Total risk-based capital ratio | 18.3826% | 2,526 |
| Memoranda: | ||
| Average total assets | $2,276,556,200 | 318 |
| Average earning assets | $1,902,883,000 | 336 |
| Average equity | $269,397,600 | 302 |
| Average total loans | $1,401,221,200 | 325 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1391% | 723 |
| Cost of funding earning assets | 0.2487% | 6,096 |
| Net interest margin | 4.8904% | 371 |
| Noninterest income to average assets | 1.3405% | 819 |
| Noninterest expense to average assets | 4.5915% | 474 |
| Loan and lease loss provision to assets | -0.5224% | 6,834 |
| Net operating income to assets | 0.9038% | 2,817 |
| Return on assets (ROA) | 0.9084% | 2,897 |
| Pretax return on assets | 1.3223% | 2,246 |
| Return on Equity (ROE) | 7.4395% | 3,413 |
| Retained earnings to average equity (ytd only) | -19.0321% | 6,750 |
| Net charge-offs to loans | 0.2148% | 2,539 |
| Credit loss provision to net charge-offs | -400.4054% | 6,017 |
| Earnings coverage of net charge-offs (x) | 6.0793% | 3,045 |
| Efficiency ratio | 84.3837% | 1,553 |
| Assets per employee ($millions) | 3.0398% | 5,783 |
| Cash dividends to net income (ytd only)* | 355.8258% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6311% | 301 |
| Loan loss allowance to noncurrent loans | 41.6924% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 6.1871% | 372 |
| Noncurrent loans to loans | 8.7093% | 195 |
| Net loans and leases to total assets | 60.2114% | 3,666 |
| Net loans and leases to deposits | 73.3480% | 3,341 |
| Net loans and leases to core deposits | 79.6916% | 3,154 |
| Total domestic deposits to total assets | 82.0900% | 4,894 |
| Equity capital to assets | 11.9364% | 1,954 |
| Core capital (leverage) ratio | 11.8873% | 1,743 |
| Tier 1 risk-based capital ratio | 19.4536% | 1,873 |
| Total risk-based capital ratio | 20.7347% | 1,833 |
| Memoranda: | ||
| Average total assets | $2,268,676,500 | 320 |
| Average earning assets | $1,876,089,000 | 339 |
| Average equity | $277,019,500 | 293 |
| Average total loans | $1,378,105,750 | 330 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0302% | 870 |
| Cost of funding earning assets | 0.2551% | 6,139 |
| Net interest margin | 4.7751% | 447 |
| Noninterest income to average assets | 1.3774% | 826 |
| Noninterest expense to average assets | 4.7242% | 438 |
| Loan and lease loss provision to assets | -0.5730% | 6,880 |
| Net operating income to assets | 0.7978% | 3,307 |
| Return on assets (ROA) | 0.8047% | 3,424 |
| Pretax return on assets | 1.1583% | 2,850 |
| Return on Equity (ROE) | 6.5418% | 3,858 |
| Retained earnings to average equity (ytd only) | -32.8320% | 6,859 |
| Net charge-offs to loans | -0.1707% | 6,622 |
| Credit loss provision to net charge-offs | 558.0617% | 510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2279% | 1,202 |
| Assets per employee ($millions) | 2.9398% | 5,947 |
| Cash dividends to net income (ytd only)* | 601.8822% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0887% | 238 |
| Loan loss allowance to noncurrent loans | 46.7783% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 6.4184% | 396 |
| Noncurrent loans to loans | 8.7406% | 212 |
| Net loans and leases to total assets | 59.2260% | 3,791 |
| Net loans and leases to deposits | 71.6139% | 3,509 |
| Net loans and leases to core deposits | 80.1276% | 3,006 |
| Total domestic deposits to total assets | 82.7018% | 4,810 |
| Equity capital to assets | 11.6365% | 2,182 |
| Core capital (leverage) ratio | 11.2525% | 2,127 |
| Tier 1 risk-based capital ratio | 19.5814% | 1,833 |
| Total risk-based capital ratio | 20.8701% | 1,796 |
| Memoranda: | ||
| Average total assets | $2,271,027,670 | 322 |
| Average earning assets | $1,865,328,000 | 343 |
| Average equity | $279,373,670 | 290 |
| Average total loans | $1,366,452,670 | 331 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9851% | 916 |
| Cost of funding earning assets | 0.2554% | 6,252 |
| Net interest margin | 4.7297% | 453 |
| Noninterest income to average assets | 1.6190% | 596 |
| Noninterest expense to average assets | 4.8915% | 395 |
| Loan and lease loss provision to assets | 0.0474% | 3,825 |
| Net operating income to assets | 0.4580% | 4,880 |
| Return on assets (ROA) | 0.4646% | 5,015 |
| Pretax return on assets | 0.5536% | 5,103 |
| Return on Equity (ROE) | 3.6782% | 5,249 |
| Retained earnings to average equity (ytd only) | -72.8358% | 6,986 |
| Net charge-offs to loans | 0.8094% | 751 |
| Credit loss provision to net charge-offs | 9.8720% | 3,146 |
| Earnings coverage of net charge-offs (x) | 1.2340% | 3,415 |
| Efficiency ratio | 88.2698% | 1,302 |
| Assets per employee ($millions) | 3.0146% | 5,963 |
| Cash dividends to net income (ytd only)* | 2,080.1815% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4310% | 206 |
| Loan loss allowance to noncurrent loans | 46.0529% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 6.9841% | 400 |
| Noncurrent loans to loans | 9.6215% | 229 |
| Net loans and leases to total assets | 57.7311% | 3,810 |
| Net loans and leases to deposits | 69.7502% | 3,528 |
| Net loans and leases to core deposits | 77.7444% | 3,111 |
| Total domestic deposits to total assets | 82.7684% | 4,931 |
| Equity capital to assets | 11.6704% | 2,276 |
| Core capital (leverage) ratio | 11.4193% | 1,928 |
| Tier 1 risk-based capital ratio | 20.2213% | 1,718 |
| Total risk-based capital ratio | 21.5166% | 1,682 |
| Memoranda: | ||
| Average total assets | $2,276,204,000 | 325 |
| Average earning assets | $1,860,343,500 | 347 |
| Average equity | $287,529,000 | 287 |
| Average total loans | $1,351,686,500 | 335 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9802% | 271 |
| Cost of funding earning assets | 0.3321% | 6,303 |
| Net interest margin | 5.6482% | 142 |
| Noninterest income to average assets | 3.3173% | 220 |
| Noninterest expense to average assets | 4.5904% | 526 |
| Loan and lease loss provision to assets | 1.6219% | 177 |
| Net operating income to assets | 0.9938% | 2,366 |
| Return on assets (ROA) | 1.1767% | 1,841 |
| Pretax return on assets | 1.7454% | 1,027 |
| Return on Equity (ROE) | 8.7420% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.7420% | 899 |
| Net charge-offs to loans | 2.9175% | 180 |
| Credit loss provision to net charge-offs | 97.7714% | 3,173 |
| Earnings coverage of net charge-offs (x) | 1.8653% | 4,497 |
| Efficiency ratio | 59.0084% | 5,701 |
| Assets per employee ($millions) | 3.1041% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6225% | 171 |
| Loan loss allowance to noncurrent loans | 44.8232% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 7.0900% | 434 |
| Noncurrent loans to loans | 10.3128% | 219 |
| Net loans and leases to total assets | 55.6920% | 4,347 |
| Net loans and leases to deposits | 67.9054% | 3,999 |
| Net loans and leases to core deposits | 70.9228% | 4,177 |
| Total domestic deposits to total assets | 82.0141% | 5,088 |
| Equity capital to assets | 13.5633% | 1,207 |
| Core capital (leverage) ratio | 13.7691% | 867 |
| Tier 1 risk-based capital ratio | 26.3933% | 734 |
| Total risk-based capital ratio | 27.6964% | 722 |
| Memoranda: | ||
| Average total assets | $2,218,106,800 | 321 |
| Average earning assets | $1,715,066,400 | 364 |
| Average equity | $298,570,800 | 273 |
| Average total loans | $1,261,183,200 | 350 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1178% | 246 |
| Cost of funding earning assets | 0.3526% | 6,363 |
| Net interest margin | 5.7652% | 129 |
| Noninterest income to average assets | 3.4752% | 207 |
| Noninterest expense to average assets | 4.5177% | 530 |
| Loan and lease loss provision to assets | 1.9298% | 134 |
| Net operating income to assets | 0.9538% | 2,731 |
| Return on assets (ROA) | 1.0367% | 2,551 |
| Pretax return on assets | 1.5410% | 1,748 |
| Return on Equity (ROE) | 7.7172% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.7172% | 1,745 |
| Net charge-offs to loans | 3.5273% | 128 |
| Credit loss provision to net charge-offs | 96.9063% | 3,086 |
| Earnings coverage of net charge-offs (x) | 1.6808% | 4,432 |
| Efficiency ratio | 56.7166% | 5,961 |
| Assets per employee ($millions) | 2.9966% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9839% | 149 |
| Loan loss allowance to noncurrent loans | 43.6667% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 7.5313% | 441 |
| Noncurrent loans to loans | 11.4134% | 187 |
| Net loans and leases to total assets | 52.9261% | 4,926 |
| Net loans and leases to deposits | 65.0420% | 4,588 |
| Net loans and leases to core deposits | 68.5524% | 4,663 |
| Total domestic deposits to total assets | 81.3723% | 5,243 |
| Equity capital to assets | 13.6852% | 1,276 |
| Core capital (leverage) ratio | 13.0474% | 1,177 |
| Tier 1 risk-based capital ratio | 27.0076% | 744 |
| Total risk-based capital ratio | 28.3140% | 721 |
| Memoranda: | ||
| Average total assets | $2,194,495,000 | 325 |
| Average earning assets | $1,670,886,500 | 374 |
| Average equity | $294,798,750 | 276 |
| Average total loans | $1,238,897,250 | 358 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1430% | 243 |
| Cost of funding earning assets | 0.3655% | 6,445 |
| Net interest margin | 5.7775% | 119 |
| Noninterest income to average assets | 3.7451% | 196 |
| Noninterest expense to average assets | 4.6035% | 507 |
| Loan and lease loss provision to assets | 2.1880% | 118 |
| Net operating income to assets | 0.8653% | 3,061 |
| Return on assets (ROA) | 0.9220% | 3,066 |
| Pretax return on assets | 1.3809% | 2,281 |
| Return on Equity (ROE) | 6.9074% | 3,830 |
| Retained earnings to average equity (ytd only) | 6.9074% | 2,156 |
| Net charge-offs to loans | 3.8395% | 120 |
| Credit loss provision to net charge-offs | 100.4848% | 2,703 |
| Earnings coverage of net charge-offs (x) | 1.6002% | 4,195 |
| Efficiency ratio | 56.1916% | 6,092 |
| Assets per employee ($millions) | 2.9329% | 6,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1679% | 140 |
| Loan loss allowance to noncurrent loans | 39.0448% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 8.3898% | 398 |
| Noncurrent loans to loans | 13.2357% | 135 |
| Net loans and leases to total assets | 51.8833% | 5,115 |
| Net loans and leases to deposits | 63.9166% | 4,776 |
| Net loans and leases to core deposits | 67.8891% | 4,801 |
| Total domestic deposits to total assets | 81.1734% | 5,403 |
| Equity capital to assets | 13.2429% | 1,415 |
| Core capital (leverage) ratio | 12.8899% | 1,180 |
| Tier 1 risk-based capital ratio | 27.8516% | 649 |
| Total risk-based capital ratio | 29.1635% | 631 |
| Memoranda: | ||
| Average total assets | $2,178,850,330 | 327 |
| Average earning assets | $1,637,764,670 | 378 |
| Average equity | $290,817,330 | 277 |
| Average total loans | $1,235,687,330 | 357 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6042% | 142 |
| Cost of funding earning assets | 0.3836% | 6,492 |
| Net interest margin | 6.2206% | 86 |
| Noninterest income to average assets | 3.0396% | 238 |
| Noninterest expense to average assets | 4.7352% | 442 |
| Loan and lease loss provision to assets | 1.5997% | 211 |
| Net operating income to assets | 0.8669% | 3,066 |
| Return on assets (ROA) | 0.8781% | 3,248 |
| Pretax return on assets | 1.3209% | 2,463 |
| Return on Equity (ROE) | 6.5518% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.5518% | 2,651 |
| Net charge-offs to loans | 2.5121% | 328 |
| Credit loss provision to net charge-offs | 110.2554% | 2,125 |
| Earnings coverage of net charge-offs (x) | 2.0013% | 3,343 |
| Efficiency ratio | 61.1717% | 5,430 |
| Assets per employee ($millions) | 2.7389% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1887% | 149 |
| Loan loss allowance to noncurrent loans | 36.7798% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 9.2301% | 370 |
| Noncurrent loans to loans | 14.1075% | 143 |
| Net loans and leases to total assets | 53.9434% | 4,732 |
| Net loans and leases to deposits | 66.5054% | 4,303 |
| Net loans and leases to core deposits | 69.9704% | 4,423 |
| Total domestic deposits to total assets | 81.1113% | 5,572 |
| Equity capital to assets | 13.3857% | 1,281 |
| Core capital (leverage) ratio | 13.0402% | 1,116 |
| Tier 1 risk-based capital ratio | 28.4892% | 605 |
| Total risk-based capital ratio | 29.8059% | 592 |
| Memoranda: | ||
| Average total assets | $2,147,924,000 | 330 |
| Average earning assets | $1,588,084,500 | 386 |
| Average equity | $287,859,500 | 275 |
| Average total loans | $1,240,579,500 | 354 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9762% | 55 |
| Cost of funding earning assets | 0.4737% | 6,642 |
| Net interest margin | 7.5025% | 39 |
| Noninterest income to average assets | 5.5554% | 108 |
| Noninterest expense to average assets | 5.0438% | 371 |
| Loan and lease loss provision to assets | 3.3587% | 90 |
| Net operating income to assets | 1.7375% | 516 |
| Return on assets (ROA) | 1.8224% | 475 |
| Pretax return on assets | 2.7974% | 150 |
| Return on Equity (ROE) | 13.8501% | 971 |
| Retained earnings to average equity (ytd only) | 13.8501% | 178 |
| Net charge-offs to loans | 1.9512% | 719 |
| Credit loss provision to net charge-offs | 305.0298% | 763 |
| Earnings coverage of net charge-offs (x) | 5.4722% | 2,779 |
| Efficiency ratio | 44.9658% | 7,093 |
| Assets per employee ($millions) | 2.4758% | 6,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0713% | 172 |
| Loan loss allowance to noncurrent loans | 39.4221% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 8.4977% | 445 |
| Noncurrent loans to loans | 12.8641% | 179 |
| Net loans and leases to total assets | 55.6624% | 4,771 |
| Net loans and leases to deposits | 68.7201% | 4,325 |
| Net loans and leases to core deposits | 72.0549% | 4,529 |
| Total domestic deposits to total assets | 80.9987% | 5,446 |
| Equity capital to assets | 13.4182% | 1,310 |
| Core capital (leverage) ratio | 12.8516% | 1,199 |
| Tier 1 risk-based capital ratio | 31.4725% | 449 |
| Total risk-based capital ratio | 32.7979% | 436 |
| Memoranda: | ||
| Average total assets | $2,038,471,000 | 341 |
| Average earning assets | $1,498,185,200 | 395 |
| Average equity | $268,222,000 | 291 |
| Average total loans | $1,150,342,000 | 371 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8571% | 56 |
| Cost of funding earning assets | 0.4894% | 6,742 |
| Net interest margin | 7.3677% | 41 |
| Noninterest income to average assets | 5.6437% | 112 |
| Noninterest expense to average assets | 5.0457% | 358 |
| Loan and lease loss provision to assets | 2.6847% | 148 |
| Net operating income to assets | 2.1692% | 265 |
| Return on assets (ROA) | 2.2550% | 251 |
| Pretax return on assets | 3.4742% | 108 |
| Return on Equity (ROE) | 17.2279% | 544 |
| Retained earnings to average equity (ytd only) | 17.2279% | 136 |
| Net charge-offs to loans | 1.7939% | 747 |
| Credit loss provision to net charge-offs | 267.9646% | 1,066 |
| Earnings coverage of net charge-offs (x) | 6.0155% | 2,636 |
| Efficiency ratio | 44.9718% | 7,105 |
| Assets per employee ($millions) | 2.4968% | 6,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4319% | 597 |
| Loan loss allowance to noncurrent loans | 26.9287% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 8.3653% | 512 |
| Noncurrent loans to loans | 12.7444% | 208 |
| Net loans and leases to total assets | 55.9129% | 4,857 |
| Net loans and leases to deposits | 68.3168% | 4,548 |
| Net loans and leases to core deposits | 71.5428% | 4,766 |
| Total domestic deposits to total assets | 81.8437% | 5,150 |
| Equity capital to assets | 13.0864% | 1,573 |
| Core capital (leverage) ratio | 12.4805% | 1,445 |
| Tier 1 risk-based capital ratio | 31.7067% | 464 |
| Total risk-based capital ratio | 33.0044% | 455 |
| Memoranda: | ||
| Average total assets | $2,016,419,250 | 348 |
| Average earning assets | $1,485,786,250 | 396 |
| Average equity | $263,937,250 | 296 |
| Average total loans | $1,126,177,750 | 381 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0368% | 53 |
| Cost of funding earning assets | 0.4805% | 6,914 |
| Net interest margin | 7.5563% | 42 |
| Noninterest income to average assets | 5.9905% | 115 |
| Noninterest expense to average assets | 4.9380% | 391 |
| Loan and lease loss provision to assets | 2.4372% | 216 |
| Net operating income to assets | 2.7562% | 126 |
| Return on assets (ROA) | 2.7501% | 129 |
| Pretax return on assets | 4.2592% | 87 |
| Return on Equity (ROE) | 21.0084% | 266 |
| Retained earnings to average equity (ytd only) | 21.0084% | 78 |
| Net charge-offs to loans | 1.6528% | 882 |
| Credit loss provision to net charge-offs | 267.5980% | 1,136 |
| Earnings coverage of net charge-offs (x) | 7.3626% | 2,238 |
| Efficiency ratio | 41.8436% | 7,303 |
| Assets per employee ($millions) | 2.6631% | 6,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5540% | 1,361 |
| Loan loss allowance to noncurrent loans | 24.4454% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 7.1443% | 701 |
| Noncurrent loans to loans | 10.4479% | 357 |
| Net loans and leases to total assets | 55.1795% | 5,124 |
| Net loans and leases to deposits | 69.6738% | 4,476 |
| Net loans and leases to core deposits | 72.8818% | 4,725 |
| Total domestic deposits to total assets | 79.1968% | 6,035 |
| Equity capital to assets | 12.2501% | 1,936 |
| Core capital (leverage) ratio | 12.7235% | 1,281 |
| Tier 1 risk-based capital ratio | 32.4706% | 435 |
| Total risk-based capital ratio | 33.7545% | 426 |
| Memoranda: | ||
| Average total assets | $1,972,799,330 | 357 |
| Average earning assets | $1,475,958,330 | 410 |
| Average equity | $258,249,330 | 299 |
| Average total loans | $1,087,145,330 | 401 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5778% | 47 |
| Cost of funding earning assets | 0.4871% | 7,016 |
| Net interest margin | 8.0906% | 38 |
| Noninterest income to average assets | 3.5457% | 183 |
| Noninterest expense to average assets | 4.6790% | 496 |
| Loan and lease loss provision to assets | 0.3498% | 2,463 |
| Net operating income to assets | 2.9340% | 116 |
| Return on assets (ROA) | 2.9309% | 120 |
| Pretax return on assets | 4.6460% | 80 |
| Return on Equity (ROE) | 21.5522% | 266 |
| Retained earnings to average equity (ytd only) | 21.5522% | 141 |
| Net charge-offs to loans | 0.4053% | 2,476 |
| Credit loss provision to net charge-offs | 159.2885% | 1,802 |
| Earnings coverage of net charge-offs (x) | 22.7717% | 1,040 |
| Efficiency ratio | 47.5879% | 7,130 |
| Assets per employee ($millions) | 2.4850% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 3,608 |
| Loan loss allowance to noncurrent loans | 16.7655% | 6,873 |
| Noncurrent assets plus other real estate owned to assets | 6.4078% | 877 |
| Noncurrent loans to loans | 9.7200% | 425 |
| Net loans and leases to total assets | 53.9003% | 5,320 |
| Net loans and leases to deposits | 64.2964% | 5,217 |
| Net loans and leases to core deposits | 66.8689% | 5,422 |
| Total domestic deposits to total assets | 83.8311% | 4,555 |
| Equity capital to assets | 12.9244% | 1,414 |
| Core capital (leverage) ratio | 13.8749% | 880 |
| Tier 1 risk-based capital ratio | 35.5506% | 335 |
| Total risk-based capital ratio | 36.8166% | 327 |
| Memoranda: | ||
| Average total assets | $1,843,372,500 | 377 |
| Average earning assets | $1,397,566,000 | 439 |
| Average equity | $250,684,500 | 300 |
| Average total loans | $998,873,500 | 438 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1690% | 117 |
| Cost of funding earning assets | 0.8004% | 6,570 |
| Net interest margin | 6.3685% | 73 |
| Noninterest income to average assets | 9.8989% | 64 |
| Noninterest expense to average assets | 4.0257% | 1,128 |
| Loan and lease loss provision to assets | 2.5074% | 442 |
| Net operating income to assets | 5.3963% | 30 |
| Return on assets (ROA) | 5.4030% | 30 |
| Pretax return on assets | 8.3786% | 26 |
| Return on Equity (ROE) | 36.7462% | 22 |
| Retained earnings to average equity (ytd only) | 36.7462% | 8 |
| Net charge-offs to loans | 1.4097% | 1,580 |
| Credit loss provision to net charge-offs | 368.7655% | 688 |
| Earnings coverage of net charge-offs (x) | 15.9949% | 1,248 |
| Efficiency ratio | 26.3737% | 7,599 |
| Assets per employee ($millions) | 2.1517% | 7,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9040% | 2,551 |
| Loan loss allowance to noncurrent loans | 20.9778% | 6,771 |
| Noncurrent assets plus other real estate owned to assets | 5.9587% | 1,004 |
| Noncurrent loans to loans | 9.0763% | 511 |
| Net loans and leases to total assets | 52.4542% | 5,853 |
| Net loans and leases to deposits | 63.5540% | 5,673 |
| Net loans and leases to core deposits | 65.8760% | 5,887 |
| Total domestic deposits to total assets | 82.5348% | 5,004 |
| Equity capital to assets | 14.3955% | 931 |
| Core capital (leverage) ratio | 16.5256% | 448 |
| Tier 1 risk-based capital ratio | 29.3193% | 532 |
| Total risk-based capital ratio | 30.5802% | 521 |
| Memoranda: | ||
| Average total assets | $892,281,400 | 751 |
| Average earning assets | $700,881,800 | 878 |
| Average equity | $131,197,400 | 520 |
| Average total loans | $430,370,200 | 1,040 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9973% | 942 |
| Cost of funding earning assets | 0.9356% | 6,246 |
| Net interest margin | 5.0618% | 383 |
| Noninterest income to average assets | 13.7714% | 49 |
| Noninterest expense to average assets | 3.7635% | 1,445 |
| Loan and lease loss provision to assets | 1.5614% | 845 |
| Net operating income to assets | 8.2833% | 19 |
| Return on assets (ROA) | 8.2951% | 20 |
| Pretax return on assets | 12.4998% | 19 |
| Return on Equity (ROE) | 55.7026% | 11 |
| Retained earnings to average equity (ytd only) | 55.7026% | 5 |
| Net charge-offs to loans | 1.6211% | 1,214 |
| Credit loss provision to net charge-offs | 213.8713% | 1,641 |
| Earnings coverage of net charge-offs (x) | 19.2360% | 1,217 |
| Efficiency ratio | 20.8053% | 7,726 |
| Assets per employee ($millions) | 3.2278% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 6,506 |
| Loan loss allowance to noncurrent loans | 12.5081% | 7,133 |
| Noncurrent assets plus other real estate owned to assets | 4.0110% | 1,741 |
| Noncurrent loans to loans | 7.7761% | 684 |
| Net loans and leases to total assets | 41.8784% | 6,985 |
| Net loans and leases to deposits | 51.2664% | 6,927 |
| Net loans and leases to core deposits | 53.7695% | 6,968 |
| Total domestic deposits to total assets | 81.6878% | 5,131 |
| Equity capital to assets | 15.1568% | 855 |
| Core capital (leverage) ratio | 14.3672% | 838 |
| Tier 1 risk-based capital ratio | 60.6361% | 108 |
| Total risk-based capital ratio | 61.8985% | 104 |
| Memoranda: | ||
| Average total assets | $692,538,500 | 966 |
| Average earning assets | $552,097,500 | 1,102 |
| Average equity | $103,130,750 | 645 |
| Average total loans | $311,874,750 | 1,457 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6801% | 1,839 |
| Cost of funding earning assets | 1.2087% | 5,073 |
| Net interest margin | 4.4714% | 1,267 |
| Noninterest income to average assets | 25.0349% | 37 |
| Noninterest expense to average assets | 3.6258% | 1,722 |
| Loan and lease loss provision to assets | 2.4838% | 462 |
| Net operating income to assets | 15.0487% | 9 |
| Return on assets (ROA) | 15.0487% | 10 |
| Pretax return on assets | 22.5070% | 10 |
| Return on Equity (ROE) | 102.6046% | 6 |
| Retained earnings to average equity (ytd only) | 102.6046% | 4 |
| Net charge-offs to loans | 1.7932% | 1,041 |
| Credit loss provision to net charge-offs | 292.4564% | 1,271 |
| Earnings coverage of net charge-offs (x) | 29.4253% | 933 |
| Efficiency ratio | 12.4997% | 7,807 |
| Assets per employee ($millions) | 3.6399% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 6,761 |
| Loan loss allowance to noncurrent loans | 22.0131% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 2.4133% | 2,978 |
| Noncurrent loans to loans | 4.0827% | 1,848 |
| Net loans and leases to total assets | 42.1499% | 7,036 |
| Net loans and leases to deposits | 51.3060% | 7,007 |
| Net loans and leases to core deposits | 53.9112% | 7,042 |
| Total domestic deposits to total assets | 82.1539% | 4,924 |
| Equity capital to assets | 14.1817% | 1,110 |
| Core capital (leverage) ratio | 16.7685% | 470 |
| Tier 1 risk-based capital ratio | 65.9289% | 94 |
| Total risk-based capital ratio | 67.1951% | 94 |
| Memoranda: | ||
| Average total assets | $499,471,000 | 1,360 |
| Average earning assets | $400,096,330 | 1,551 |
| Average equity | $73,256,000 | 904 |
| Average total loans | $236,561,000 | 1,894 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1241% | 4,418 |
| Cost of funding earning assets | 0.7062% | 7,320 |
| Net interest margin | 4.4180% | 1,341 |
| Noninterest income to average assets | 2.1078% | 319 |
| Noninterest expense to average assets | 4.8708% | 407 |
| Loan and lease loss provision to assets | 1.0852% | 1,134 |
| Net operating income to assets | 0.4132% | 4,779 |
| Return on assets (ROA) | 0.4132% | 4,922 |
| Pretax return on assets | 0.4341% | 5,184 |
| Return on Equity (ROE) | 2.2990% | 5,634 |
| Retained earnings to average equity (ytd only) | 2.2990% | 4,758 |
| Net charge-offs to loans | 1.1696% | 1,447 |
| Credit loss provision to net charge-offs | 115.5556% | 3,011 |
| Earnings coverage of net charge-offs (x) | 1.6178% | 3,762 |
| Efficiency ratio | 76.2247% | 3,177 |
| Assets per employee ($millions) | 2.5723% | 7,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 5,423 |
| Loan loss allowance to noncurrent loans | 462.4390% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 6,954 |
| Noncurrent loans to loans | 0.2629% | 6,798 |
| Net loans and leases to total assets | 76.7768% | 1,374 |
| Net loans and leases to deposits | 92.8736% | 1,489 |
| Net loans and leases to core deposits | 128.3855% | 527 |
| Total domestic deposits to total assets | 82.6681% | 4,769 |
| Equity capital to assets | 17.2172% | 509 |
| Core capital (leverage) ratio | 18.3085% | 357 |
| Tier 1 risk-based capital ratio | 21.2603% | 1,300 |
| Total risk-based capital ratio | 22.4269% | 1,293 |
| Memoranda: | ||
| Average total assets | $95,835,500 | 5,265 |
| Average earning assets | $92,893,500 | 5,082 |
| Average equity | $17,225,000 | 3,619 |
| Average total loans | $76,949,000 | 4,608 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1326% | 5,948 |
| Cost of funding earning assets | 1.0494% | 7,103 |
| Net interest margin | 4.0832% | 2,517 |
| Noninterest income to average assets | 1.8994% | 410 |
| Noninterest expense to average assets | 5.3493% | 423 |
| Loan and lease loss provision to assets | 0.4589% | 4,074 |
| Net operating income to assets | 0.0638% | 5,307 |
| Return on assets (ROA) | 0.0638% | 5,356 |
| Pretax return on assets | 0.0638% | 5,291 |
| Return on Equity (ROE) | 0.5226% | 5,384 |
| Retained earnings to average equity (ytd only) | 0.5226% | 4,617 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0983% | 1,629 |
| Assets per employee ($millions) | 2.4040% | 7,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 5,344 |
| Loan loss allowance to noncurrent loans | 212.3256% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 6,279 |
| Noncurrent loans to loans | 0.5663% | 6,112 |
| Net loans and leases to total assets | 82.1166% | 668 |
| Net loans and leases to deposits | 105.6028% | 574 |
| Net loans and leases to core deposits | 170.6499% | 229 |
| Total domestic deposits to total assets | 77.7599% | 6,280 |
| Equity capital to assets | 18.8040% | 385 |
| Core capital (leverage) ratio | 24.2796% | 165 |
| Tier 1 risk-based capital ratio | 20.7983% | 1,324 |
| Total risk-based capital ratio | 21.8068% | 1,333 |
| Memoranda: | ||
| Average total assets | $73,654,000 | 5,900 |
| Average earning assets | $71,660,200 | 5,761 |
| Average equity | $8,993,600 | 5,607 |
| Average total loans | $59,515,200 | 5,269 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 6,389 |
| Cost of funding earning assets | 1.1571% | 7,018 |
| Net interest margin | 3.9103% | 3,201 |
| Noninterest income to average assets | 1.6505% | 538 |
| Noninterest expense to average assets | 5.4754% | 378 |
| Loan and lease loss provision to assets | 0.4545% | 3,642 |
| Net operating income to assets | -0.4719% | 6,399 |
| Return on assets (ROA) | -0.4719% | 6,404 |
| Pretax return on assets | -0.4719% | 6,264 |
| Return on Equity (ROE) | -4.7018% | 6,416 |
| Retained earnings to average equity (ytd only) | -4.7018% | 6,215 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3176% | 1,047 |
| Assets per employee ($millions) | 2.5890% | 7,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 4,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 87.2153% | 256 |
| Net loans and leases to deposits | 96.2264% | 1,543 |
| Net loans and leases to core deposits | 161.1453% | 365 |
| Total domestic deposits to total assets | 90.6356% | 541 |
| Equity capital to assets | 9.1820% | 5,196 |
| Core capital (leverage) ratio | 9.5816% | 3,807 |
| Tier 1 risk-based capital ratio | 10.5799% | 6,371 |
| Total risk-based capital ratio | 11.6430% | 6,518 |
| Memoranda: | ||
| Average total assets | $69,229,250 | 6,066 |
| Average earning assets | $67,409,500 | 5,926 |
| Average equity | $6,947,500 | 6,332 |
| Average total loans | $55,411,750 | 5,486 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 7,278 |
| Cost of funding earning assets | 1.2618% | 6,921 |
| Net interest margin | 3.5074% | 4,766 |
| Noninterest income to average assets | 1.7361% | 486 |
| Noninterest expense to average assets | 5.5649% | 372 |
| Loan and lease loss provision to assets | 0.3567% | 3,787 |
| Net operating income to assets | -0.7729% | 6,813 |
| Return on assets (ROA) | -0.7729% | 6,816 |
| Pretax return on assets | -0.7729% | 6,666 |
| Return on Equity (ROE) | -7.4655% | 6,851 |
| Retained earnings to average equity (ytd only) | -7.4655% | 6,615 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0831% | 906 |
| Assets per employee ($millions) | 2.6412% | 6,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 4,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 77.8259% | 1,787 |
| Net loans and leases to deposits | 86.2994% | 3,495 |
| Net loans and leases to core deposits | 146.2258% | 752 |
| Total domestic deposits to total assets | 90.1813% | 755 |
| Equity capital to assets | 9.6462% | 4,430 |
| Core capital (leverage) ratio | 10.4434% | 2,863 |
| Tier 1 risk-based capital ratio | 13.1838% | 4,011 |
| Total risk-based capital ratio | 14.4307% | 3,936 |
| Memoranda: | ||
| Average total assets | $67,278,330 | 6,181 |
| Average earning assets | $65,462,000 | 6,027 |
| Average equity | $6,965,330 | 6,381 |
| Average total loans | $51,784,330 | 5,685 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 7,585 |
| Cost of funding earning assets | 1.2919% | 7,037 |
| Net interest margin | 3.3464% | 5,339 |
| Noninterest income to average assets | 1.1584% | 1,093 |
| Noninterest expense to average assets | 5.5776% | 351 |
| Loan and lease loss provision to assets | 0.4536% | 2,655 |
| Net operating income to assets | -1.6181% | 7,549 |
| Return on assets (ROA) | -1.6181% | 7,548 |
| Pretax return on assets | -1.6181% | 7,409 |
| Return on Equity (ROE) | -15.0674% | 7,605 |
| Retained earnings to average equity (ytd only) | -15.0674% | 7,440 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.3889% | 543 |
| Assets per employee ($millions) | 2.7777% | 6,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,634 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.5705% | 1,676 |
| Net loans and leases to deposits | 87.9359% | 3,300 |
| Net loans and leases to core deposits | 149.9241% | 710 |
| Total domestic deposits to total assets | 89.3497% | 1,077 |
| Equity capital to assets | 10.3113% | 3,640 |
| Core capital (leverage) ratio | 10.8585% | 2,613 |
| Tier 1 risk-based capital ratio | 14.2118% | 3,469 |
| Total risk-based capital ratio | 15.4180% | 3,421 |
| Memoranda: | ||
| Average total assets | $65,261,000 | 6,280 |
| Average earning assets | $63,472,000 | 6,127 |
| Average equity | $7,008,500 | 6,405 |
| Average total loans | $49,578,500 | 5,818 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8126% | 7,939 |
| Cost of funding earning assets | 1.6053% | 7,439 |
| Net interest margin | 3.2073% | 6,344 |
| Noninterest income to average assets | 0.1492% | 7,351 |
| Noninterest expense to average assets | 9.3089% | 162 |
| Loan and lease loss provision to assets | 1.6225% | 803 |
| Net operating income to assets | -7.7777% | 8,219 |
| Return on assets (ROA) | -7.7777% | 8,214 |
| Pretax return on assets | -7.7777% | 8,196 |
| Return on Equity (ROE) | -29.7938% | 7,957 |
| Retained earnings to average equity (ytd only) | -29.7938% | 7,908 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 295.1737% | 104 |
| Assets per employee ($millions) | 3.3609% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 4,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.3375% | 3,720 |
| Net loans and leases to deposits | 80.5766% | 4,948 |
| Net loans and leases to core deposits | 127.6022% | 2,030 |
| Total domestic deposits to total assets | 88.5338% | 1,231 |
| Equity capital to assets | 11.1859% | 2,889 |
| Core capital (leverage) ratio | 11.8757% | 2,038 |
| Tier 1 risk-based capital ratio | 15.3623% | 2,893 |
| Total risk-based capital ratio | 16.6006% | 2,833 |
| Memoranda: | ||
| Average total assets | $32,850,400 | 7,521 |
| Average earning assets | $30,773,600 | 7,472 |
| Average equity | $8,575,600 | 5,881 |
| Average total loans | $22,340,200 | 7,175 |