Home > The Columbia Bank > Performance and Condition Ratios
The Columbia Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 3,671 |
| Cost of funding earning assets | 0.8414% | 2,440 |
| Net interest margin | 3.4442% | 3,755 |
| Noninterest income to average assets | 0.8149% | 1,297 |
| Noninterest expense to average assets | 2.4159% | 3,701 |
| Loan and lease loss provision to assets | 0.0015% | 3,669 |
| Net operating income to assets | 1.2620% | 1,909 |
| Return on assets (ROA) | 1.2836% | 1,896 |
| Pretax return on assets | 1.5200% | 1,795 |
| Return on Equity (ROE) | 9.6189% | 2,577 |
| Retained earnings to average equity (ytd only) | -5.9859% | 5,087 |
| Net charge-offs to loans | 0.0865% | 1,498 |
| Credit loss provision to net charge-offs | 2.1421% | 2,720 |
| Earnings coverage of net charge-offs (x) | 21.8636% | 1,715 |
| Efficiency ratio | 61.7623% | 3,473 |
| Assets per employee ($millions) | 11.2505% | 254 |
| Cash dividends to net income (ytd only)* | 162.2304% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,136 |
| Loan loss allowance to noncurrent loans | 82.5365% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.0516% | 1,303 |
| Noncurrent loans to loans | 1.3168% | 1,191 |
| Net loans and leases to total assets | 78.3851% | 1,150 |
| Net loans and leases to deposits | 107.6486% | 284 |
| Net loans and leases to core deposits | 114.2661% | 767 |
| Total domestic deposits to total assets | 72.8157% | 4,919 |
| Equity capital to assets | 13.0087% | 1,585 |
| Core capital (leverage) ratio | 9.2575% | 4,400 |
| Tier 1 risk-based capital ratio | 10.4884% | 5,111 |
| Total risk-based capital ratio | 11.5306% | 5,100 |
| Memoranda: | ||
| Average total assets | $2,593,160,670 | 348 |
| Average earning assets | $2,331,489,330 | 352 |
| Average equity | $346,046,670 | 319 |
| Average total loans | $2,051,089,330 | 323 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 3,650 |
| Cost of funding earning assets | 0.7923% | 2,582 |
| Net interest margin | 3.4761% | 3,660 |
| Noninterest income to average assets | 0.8156% | 1,252 |
| Noninterest expense to average assets | 2.4000% | 3,774 |
| Loan and lease loss provision to assets | 0.3215% | 385 |
| Net operating income to assets | 1.0502% | 2,658 |
| Return on assets (ROA) | 1.0519% | 2,695 |
| Pretax return on assets | 1.2263% | 2,711 |
| Return on Equity (ROE) | 7.7833% | 3,348 |
| Retained earnings to average equity (ytd only) | -9.5027% | 5,088 |
| Net charge-offs to loans | 0.1350% | 934 |
| Credit loss provision to net charge-offs | 301.3139% | 817 |
| Earnings coverage of net charge-offs (x) | 14.4891% | 1,792 |
| Efficiency ratio | 60.8249% | 3,699 |
| Assets per employee ($millions) | 11.0737% | 257 |
| Cash dividends to net income (ytd only)* | 222.0906% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,489 |
| Loan loss allowance to noncurrent loans | 90.4254% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.0681% | 1,301 |
| Noncurrent loans to loans | 1.3464% | 1,206 |
| Net loans and leases to total assets | 78.0049% | 1,146 |
| Net loans and leases to deposits | 106.4526% | 310 |
| Net loans and leases to core deposits | 112.4962% | 806 |
| Total domestic deposits to total assets | 73.2767% | 4,983 |
| Equity capital to assets | 13.2232% | 1,337 |
| Core capital (leverage) ratio | 9.5465% | 4,077 |
| Tier 1 risk-based capital ratio | 10.8799% | 5,029 |
| Total risk-based capital ratio | 12.0574% | 4,965 |
| Memoranda: | ||
| Average total assets | $2,568,299,500 | 358 |
| Average earning assets | $2,312,679,000 | 357 |
| Average equity | $347,102,500 | 322 |
| Average total loans | $2,029,047,000 | 330 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 3,711 |
| Cost of funding earning assets | 0.5816% | 2,843 |
| Net interest margin | 3.5281% | 3,607 |
| Noninterest income to average assets | 0.8552% | 1,299 |
| Noninterest expense to average assets | 2.4460% | 3,753 |
| Loan and lease loss provision to assets | 0.2846% | 577 |
| Net operating income to assets | 1.1478% | 2,397 |
| Return on assets (ROA) | 1.1650% | 2,324 |
| Pretax return on assets | 1.3370% | 2,377 |
| Return on Equity (ROE) | 8.5111% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.9195% | 1,274 |
| Net charge-offs to loans | 0.1052% | 1,709 |
| Credit loss provision to net charge-offs | 342.2103% | 918 |
| Earnings coverage of net charge-offs (x) | 19.2619% | 2,076 |
| Efficiency ratio | 60.4265% | 3,783 |
| Assets per employee ($millions) | 10.7842% | 279 |
| Cash dividends to net income (ytd only)* | 6.9510% | 3,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 2,672 |
| Loan loss allowance to noncurrent loans | 84.8158% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 1,202 |
| Noncurrent loans to loans | 1.3914% | 1,122 |
| Net loans and leases to total assets | 78.1090% | 1,258 |
| Net loans and leases to deposits | 104.2174% | 470 |
| Net loans and leases to core deposits | 110.0481% | 996 |
| Total domestic deposits to total assets | 74.9481% | 4,874 |
| Equity capital to assets | 13.8144% | 1,027 |
| Core capital (leverage) ratio | 10.0829% | 3,484 |
| Tier 1 risk-based capital ratio | 11.7177% | 4,618 |
| Total risk-based capital ratio | 12.8763% | 4,545 |
| Memoranda: | ||
| Average total assets | $2,469,866,200 | 362 |
| Average earning assets | $2,235,017,600 | 361 |
| Average equity | $338,063,200 | 322 |
| Average total loans | $1,952,708,200 | 332 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0367% | 3,824 |
| Cost of funding earning assets | 0.5440% | 2,905 |
| Net interest margin | 3.4928% | 3,717 |
| Noninterest income to average assets | 0.8731% | 1,277 |
| Noninterest expense to average assets | 2.4425% | 3,755 |
| Loan and lease loss provision to assets | 0.1469% | 1,351 |
| Net operating income to assets | 1.2552% | 2,021 |
| Return on assets (ROA) | 1.2782% | 1,935 |
| Pretax return on assets | 1.4725% | 1,991 |
| Return on Equity (ROE) | 9.3610% | 2,926 |
| Retained earnings to average equity (ytd only) | 9.3610% | 1,089 |
| Net charge-offs to loans | 0.0748% | 1,777 |
| Credit loss provision to net charge-offs | 248.3012% | 1,186 |
| Earnings coverage of net charge-offs (x) | 26.9211% | 1,721 |
| Efficiency ratio | 60.5254% | 3,737 |
| Assets per employee ($millions) | 10.8567% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 3,603 |
| Loan loss allowance to noncurrent loans | 236.1360% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 3,237 |
| Noncurrent loans to loans | 0.4350% | 3,099 |
| Net loans and leases to total assets | 78.5801% | 1,238 |
| Net loans and leases to deposits | 104.7888% | 504 |
| Net loans and leases to core deposits | 110.1672% | 1,022 |
| Total domestic deposits to total assets | 74.9890% | 4,884 |
| Equity capital to assets | 13.8734% | 997 |
| Core capital (leverage) ratio | 9.8907% | 3,752 |
| Tier 1 risk-based capital ratio | 11.7002% | 4,669 |
| Total risk-based capital ratio | 12.7090% | 4,697 |
| Memoranda: | ||
| Average total assets | $2,453,760,250 | 363 |
| Average earning assets | $2,221,678,750 | 362 |
| Average equity | $335,054,750 | 321 |
| Average total loans | $1,940,098,500 | 333 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9378% | 3,969 |
| Cost of funding earning assets | 0.4831% | 3,142 |
| Net interest margin | 3.4548% | 3,785 |
| Noninterest income to average assets | 0.8136% | 1,435 |
| Noninterest expense to average assets | 2.4356% | 3,809 |
| Loan and lease loss provision to assets | 0.0298% | 3,312 |
| Net operating income to assets | 1.2433% | 2,011 |
| Return on assets (ROA) | 1.2805% | 1,860 |
| Pretax return on assets | 1.5203% | 1,744 |
| Return on Equity (ROE) | 9.4289% | 2,842 |
| Retained earnings to average equity (ytd only) | 9.4289% | 1,087 |
| Net charge-offs to loans | 0.0724% | 1,611 |
| Credit loss provision to net charge-offs | 52.1490% | 2,480 |
| Earnings coverage of net charge-offs (x) | 26.3510% | 1,604 |
| Efficiency ratio | 61.7951% | 3,652 |
| Assets per employee ($millions) | 10.7503% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9229% | 4,235 |
| Loan loss allowance to noncurrent loans | 211.0548% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 3,190 |
| Noncurrent loans to loans | 0.4373% | 3,126 |
| Net loans and leases to total assets | 78.5538% | 1,238 |
| Net loans and leases to deposits | 104.5571% | 503 |
| Net loans and leases to core deposits | 109.9844% | 1,004 |
| Total domestic deposits to total assets | 75.1300% | 4,943 |
| Equity capital to assets | 13.4904% | 1,104 |
| Core capital (leverage) ratio | 9.7850% | 3,804 |
| Tier 1 risk-based capital ratio | 11.5423% | 4,770 |
| Total risk-based capital ratio | 12.4703% | 4,837 |
| Memoranda: | ||
| Average total assets | $2,442,951,000 | 363 |
| Average earning assets | $2,211,729,330 | 362 |
| Average equity | $331,767,000 | 319 |
| Average total loans | $1,928,823,000 | 334 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 4,121 |
| Cost of funding earning assets | 0.4349% | 3,333 |
| Net interest margin | 3.4014% | 3,881 |
| Noninterest income to average assets | 0.7924% | 1,484 |
| Noninterest expense to average assets | 2.5053% | 3,622 |
| Loan and lease loss provision to assets | -0.0101% | 5,410 |
| Net operating income to assets | 1.1707% | 2,131 |
| Return on assets (ROA) | 1.1720% | 2,134 |
| Pretax return on assets | 1.3794% | 2,076 |
| Return on Equity (ROE) | 8.6001% | 3,102 |
| Retained earnings to average equity (ytd only) | 8.6001% | 1,616 |
| Net charge-offs to loans | 0.0152% | 2,219 |
| Credit loss provision to net charge-offs | -84.7222% | 3,668 |
| Earnings coverage of net charge-offs (x) | 114.5556% | 550 |
| Efficiency ratio | 64.6842% | 3,373 |
| Assets per employee ($millions) | 10.2824% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 4,129 |
| Loan loss allowance to noncurrent loans | 215.7043% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 3,211 |
| Noncurrent loans to loans | 0.4487% | 3,192 |
| Net loans and leases to total assets | 78.4619% | 1,165 |
| Net loans and leases to deposits | 100.1757% | 694 |
| Net loans and leases to core deposits | 106.1018% | 1,227 |
| Total domestic deposits to total assets | 78.3243% | 4,682 |
| Equity capital to assets | 13.6727% | 987 |
| Core capital (leverage) ratio | 9.7095% | 3,833 |
| Tier 1 risk-based capital ratio | 11.5461% | 4,838 |
| Total risk-based capital ratio | 12.5207% | 4,888 |
| Memoranda: | ||
| Average total assets | $2,412,018,000 | 368 |
| Average earning assets | $2,184,621,000 | 368 |
| Average equity | $328,695,000 | 326 |
| Average total loans | $1,900,256,500 | 339 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 4,310 |
| Cost of funding earning assets | 0.3755% | 3,464 |
| Net interest margin | 3.3345% | 4,057 |
| Noninterest income to average assets | 0.7983% | 1,573 |
| Noninterest expense to average assets | 2.4050% | 4,065 |
| Loan and lease loss provision to assets | 0.0618% | 2,990 |
| Net operating income to assets | 0.8715% | 2,857 |
| Return on assets (ROA) | 0.8383% | 3,035 |
| Pretax return on assets | 1.2897% | 2,391 |
| Return on Equity (ROE) | 6.3501% | 3,603 |
| Retained earnings to average equity (ytd only) | 6.3501% | 1,355 |
| Net charge-offs to loans | 0.0218% | 3,372 |
| Credit loss provision to net charge-offs | 377.1208% | 795 |
| Earnings coverage of net charge-offs (x) | 85.5964% | 730 |
| Efficiency ratio | 63.1634% | 3,746 |
| Assets per employee ($millions) | 10.0739% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 4,005 |
| Loan loss allowance to noncurrent loans | 332.7153% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 3,810 |
| Noncurrent loans to loans | 0.2974% | 3,713 |
| Net loans and leases to total assets | 77.5602% | 1,342 |
| Net loans and leases to deposits | 97.7832% | 919 |
| Net loans and leases to core deposits | 103.4787% | 1,445 |
| Total domestic deposits to total assets | 79.3186% | 4,474 |
| Equity capital to assets | 13.5819% | 1,030 |
| Core capital (leverage) ratio | 9.2956% | 4,299 |
| Tier 1 risk-based capital ratio | 11.2435% | 5,018 |
| Total risk-based capital ratio | 12.2339% | 5,033 |
| Memoranda: | ||
| Average total assets | $2,373,980,800 | 358 |
| Average earning assets | $2,142,453,000 | 357 |
| Average equity | $313,413,000 | 325 |
| Average total loans | $1,782,477,400 | 341 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 4,398 |
| Cost of funding earning assets | 0.3583% | 3,585 |
| Net interest margin | 3.3112% | 4,130 |
| Noninterest income to average assets | 0.8095% | 1,551 |
| Noninterest expense to average assets | 2.3762% | 4,076 |
| Loan and lease loss provision to assets | 0.1735% | 1,159 |
| Net operating income to assets | 0.9253% | 2,900 |
| Return on assets (ROA) | 0.9279% | 2,948 |
| Pretax return on assets | 1.2488% | 2,714 |
| Return on Equity (ROE) | 7.0803% | 3,612 |
| Retained earnings to average equity (ytd only) | 7.0803% | 1,654 |
| Net charge-offs to loans | 0.0265% | 2,910 |
| Credit loss provision to net charge-offs | 881.9484% | 404 |
| Earnings coverage of net charge-offs (x) | 72.1235% | 871 |
| Efficiency ratio | 62.6155% | 3,793 |
| Assets per employee ($millions) | 10.2902% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 3,506 |
| Loan loss allowance to noncurrent loans | 318.7510% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 3,964 |
| Noncurrent loans to loans | 0.3437% | 3,712 |
| Net loans and leases to total assets | 75.5106% | 1,682 |
| Net loans and leases to deposits | 96.1035% | 1,107 |
| Net loans and leases to core deposits | 101.2449% | 1,605 |
| Total domestic deposits to total assets | 78.5721% | 4,616 |
| Equity capital to assets | 13.3447% | 1,228 |
| Core capital (leverage) ratio | 9.2163% | 4,500 |
| Tier 1 risk-based capital ratio | 11.1749% | 5,140 |
| Total risk-based capital ratio | 12.2612% | 5,131 |
| Memoranda: | ||
| Average total assets | $2,365,560,500 | 355 |
| Average earning assets | $2,132,860,500 | 359 |
| Average equity | $310,014,750 | 327 |
| Average total loans | $1,756,584,250 | 347 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6223% | 4,456 |
| Cost of funding earning assets | 0.3362% | 3,734 |
| Net interest margin | 3.2861% | 4,150 |
| Noninterest income to average assets | 0.8336% | 1,457 |
| Noninterest expense to average assets | 2.3762% | 4,127 |
| Loan and lease loss provision to assets | 0.1417% | 1,444 |
| Net operating income to assets | 0.9582% | 2,617 |
| Return on assets (ROA) | 0.9621% | 2,659 |
| Pretax return on assets | 1.2784% | 2,466 |
| Return on Equity (ROE) | 7.3881% | 3,346 |
| Retained earnings to average equity (ytd only) | 7.3881% | 1,403 |
| Net charge-offs to loans | -0.0066% | 4,408 |
| Credit loss provision to net charge-offs | -2,914.0351% | 5,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6809% | 3,871 |
| Assets per employee ($millions) | 10.2610% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,715 |
| Loan loss allowance to noncurrent loans | 281.0162% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 3,879 |
| Noncurrent loans to loans | 0.3825% | 3,650 |
| Net loans and leases to total assets | 73.9839% | 1,868 |
| Net loans and leases to deposits | 95.2526% | 1,148 |
| Net loans and leases to core deposits | 99.7631% | 1,665 |
| Total domestic deposits to total assets | 77.6713% | 4,869 |
| Equity capital to assets | 13.2629% | 1,247 |
| Core capital (leverage) ratio | 9.1350% | 4,573 |
| Tier 1 risk-based capital ratio | 11.1914% | 5,144 |
| Total risk-based capital ratio | 12.2511% | 5,151 |
| Memoranda: | ||
| Average total assets | $2,344,584,670 | 362 |
| Average earning assets | $2,110,053,670 | 369 |
| Average equity | $305,328,330 | 331 |
| Average total loans | $1,724,086,000 | 355 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5385% | 4,579 |
| Cost of funding earning assets | 0.3226% | 3,825 |
| Net interest margin | 3.2160% | 4,288 |
| Noninterest income to average assets | 0.8551% | 1,381 |
| Noninterest expense to average assets | 2.3282% | 4,331 |
| Loan and lease loss provision to assets | 0.0711% | 2,381 |
| Net operating income to assets | 1.0118% | 2,257 |
| Return on assets (ROA) | 1.0125% | 2,306 |
| Pretax return on assets | 1.3508% | 2,058 |
| Return on Equity (ROE) | 7.8496% | 2,994 |
| Retained earnings to average equity (ytd only) | 7.8496% | 1,522 |
| Net charge-offs to loans | -0.0308% | 4,945 |
| Credit loss provision to net charge-offs | -316.9231% | 4,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0976% | 4,135 |
| Assets per employee ($millions) | 10.3529% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 4,017 |
| Loan loss allowance to noncurrent loans | 254.3070% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 3,877 |
| Noncurrent loans to loans | 0.4100% | 3,626 |
| Net loans and leases to total assets | 73.2118% | 1,873 |
| Net loans and leases to deposits | 94.4033% | 1,074 |
| Net loans and leases to core deposits | 99.1282% | 1,571 |
| Total domestic deposits to total assets | 77.5521% | 5,036 |
| Equity capital to assets | 12.8458% | 1,329 |
| Core capital (leverage) ratio | 8.6620% | 5,088 |
| Tier 1 risk-based capital ratio | 10.7266% | 5,450 |
| Total risk-based capital ratio | 11.7625% | 5,461 |
| Memoranda: | ||
| Average total assets | $2,316,341,500 | 366 |
| Average earning assets | $2,084,479,000 | 369 |
| Average equity | $298,767,000 | 334 |
| Average total loans | $1,688,274,000 | 355 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5093% | 4,758 |
| Cost of funding earning assets | 0.3435% | 3,598 |
| Net interest margin | 3.1658% | 4,547 |
| Noninterest income to average assets | 0.8962% | 1,423 |
| Noninterest expense to average assets | 2.5857% | 3,719 |
| Loan and lease loss provision to assets | -0.0736% | 5,639 |
| Net operating income to assets | 0.9299% | 2,682 |
| Return on assets (ROA) | 0.9311% | 2,784 |
| Pretax return on assets | 1.2228% | 2,580 |
| Return on Equity (ROE) | 6.8333% | 3,557 |
| Retained earnings to average equity (ytd only) | -1.9927% | 5,532 |
| Net charge-offs to loans | 0.0170% | 3,730 |
| Credit loss provision to net charge-offs | -623.4615% | 5,212 |
| Earnings coverage of net charge-offs (x) | 97.2731% | 614 |
| Efficiency ratio | 69.2585% | 3,029 |
| Assets per employee ($millions) | 9.3934% | 377 |
| Cash dividends to net income (ytd only)* | 129.1612% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0736% | 3,867 |
| Loan loss allowance to noncurrent loans | 162.9901% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 3,199 |
| Noncurrent loans to loans | 0.6587% | 2,881 |
| Net loans and leases to total assets | 70.9848% | 2,334 |
| Net loans and leases to deposits | 90.5118% | 1,629 |
| Net loans and leases to core deposits | 94.9531% | 2,013 |
| Total domestic deposits to total assets | 78.4260% | 4,911 |
| Equity capital to assets | 12.9522% | 1,277 |
| Core capital (leverage) ratio | 8.6193% | 5,153 |
| Tier 1 risk-based capital ratio | 11.1171% | 5,276 |
| Total risk-based capital ratio | 12.1875% | 5,265 |
| Memoranda: | ||
| Average total assets | $2,203,623,400 | 368 |
| Average earning assets | $1,974,905,400 | 372 |
| Average equity | $300,252,400 | 323 |
| Average total loans | $1,526,353,200 | 370 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 4,769 |
| Cost of funding earning assets | 0.3426% | 3,629 |
| Net interest margin | 3.1720% | 4,572 |
| Noninterest income to average assets | 0.8953% | 1,422 |
| Noninterest expense to average assets | 2.5835% | 3,717 |
| Loan and lease loss provision to assets | -0.0729% | 5,754 |
| Net operating income to assets | 0.9383% | 2,714 |
| Return on assets (ROA) | 0.9390% | 2,837 |
| Pretax return on assets | 1.2273% | 2,718 |
| Return on Equity (ROE) | 6.8040% | 3,663 |
| Retained earnings to average equity (ytd only) | -4.0339% | 5,695 |
| Net charge-offs to loans | 0.0537% | 2,594 |
| Credit loss provision to net charge-offs | -198.0100% | 4,862 |
| Earnings coverage of net charge-offs (x) | 31.3317% | 1,442 |
| Efficiency ratio | 69.1341% | 3,024 |
| Assets per employee ($millions) | 9.3658% | 367 |
| Cash dividends to net income (ytd only)* | 159.2874% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 3,845 |
| Loan loss allowance to noncurrent loans | 147.5860% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5732% | 3,188 |
| Noncurrent loans to loans | 0.7445% | 2,810 |
| Net loans and leases to total assets | 69.5956% | 2,553 |
| Net loans and leases to deposits | 88.9178% | 1,901 |
| Net loans and leases to core deposits | 93.6516% | 2,218 |
| Total domestic deposits to total assets | 78.2696% | 4,860 |
| Equity capital to assets | 13.1075% | 1,441 |
| Core capital (leverage) ratio | 8.7165% | 5,142 |
| Tier 1 risk-based capital ratio | 11.0779% | 5,331 |
| Total risk-based capital ratio | 12.1663% | 5,330 |
| Memoranda: | ||
| Average total assets | $2,183,883,000 | 374 |
| Average earning assets | $1,956,444,500 | 375 |
| Average equity | $301,404,500 | 323 |
| Average total loans | $1,498,473,250 | 374 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5623% | 4,701 |
| Cost of funding earning assets | 0.3391% | 3,706 |
| Net interest margin | 3.2233% | 4,474 |
| Noninterest income to average assets | 0.7985% | 1,722 |
| Noninterest expense to average assets | 2.6249% | 3,634 |
| Loan and lease loss provision to assets | -0.1132% | 5,889 |
| Net operating income to assets | 0.8889% | 2,918 |
| Return on assets (ROA) | 0.8899% | 3,041 |
| Pretax return on assets | 1.1746% | 2,883 |
| Return on Equity (ROE) | 6.3352% | 3,885 |
| Retained earnings to average equity (ytd only) | -8.5642% | 5,848 |
| Net charge-offs to loans | -0.1379% | 5,720 |
| Credit loss provision to net charge-offs | 120.7341% | 1,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2349% | 2,782 |
| Assets per employee ($millions) | 8.9710% | 393 |
| Cash dividends to net income (ytd only)* | 235.1834% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,862 |
| Loan loss allowance to noncurrent loans | 140.5474% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6680% | 2,999 |
| Noncurrent loans to loans | 0.9152% | 2,446 |
| Net loans and leases to total assets | 67.5101% | 2,864 |
| Net loans and leases to deposits | 86.9860% | 2,131 |
| Net loans and leases to core deposits | 91.9312% | 2,359 |
| Total domestic deposits to total assets | 77.6103% | 5,067 |
| Equity capital to assets | 13.5159% | 1,232 |
| Core capital (leverage) ratio | 8.7504% | 5,107 |
| Tier 1 risk-based capital ratio | 11.4145% | 5,208 |
| Total risk-based capital ratio | 12.6624% | 5,100 |
| Memoranda: | ||
| Average total assets | $2,150,089,000 | 379 |
| Average earning assets | $1,925,374,000 | 380 |
| Average equity | $302,025,670 | 316 |
| Average total loans | $1,461,926,330 | 380 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5351% | 4,800 |
| Cost of funding earning assets | 0.3326% | 3,804 |
| Net interest margin | 3.2025% | 4,569 |
| Noninterest income to average assets | 0.7648% | 1,756 |
| Noninterest expense to average assets | 2.6805% | 3,494 |
| Loan and lease loss provision to assets | -0.1171% | 5,995 |
| Net operating income to assets | 0.8101% | 3,187 |
| Return on assets (ROA) | 0.8121% | 3,303 |
| Pretax return on assets | 1.0727% | 3,196 |
| Return on Equity (ROE) | 5.6713% | 4,144 |
| Retained earnings to average equity (ytd only) | 1.0829% | 4,807 |
| Net charge-offs to loans | 0.0593% | 1,914 |
| Credit loss provision to net charge-offs | -291.5888% | 4,408 |
| Earnings coverage of net charge-offs (x) | 23.7196% | 1,356 |
| Efficiency ratio | 73.7729% | 2,519 |
| Assets per employee ($millions) | 8.7808% | 422 |
| Cash dividends to net income (ytd only)* | 80.9061% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 3,017 |
| Loan loss allowance to noncurrent loans | 143.3839% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 3,133 |
| Noncurrent loans to loans | 0.8908% | 2,619 |
| Net loans and leases to total assets | 66.9222% | 2,821 |
| Net loans and leases to deposits | 83.9225% | 2,311 |
| Net loans and leases to core deposits | 88.6728% | 2,490 |
| Total domestic deposits to total assets | 79.7429% | 4,804 |
| Equity capital to assets | 14.2933% | 885 |
| Core capital (leverage) ratio | 9.5987% | 4,037 |
| Tier 1 risk-based capital ratio | 12.2386% | 4,760 |
| Total risk-based capital ratio | 13.4367% | 4,693 |
| Memoranda: | ||
| Average total assets | $2,130,675,500 | 381 |
| Average earning assets | $1,908,491,500 | 383 |
| Average equity | $305,113,000 | 315 |
| Average total loans | $1,444,392,500 | 382 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 4,815 |
| Cost of funding earning assets | 0.3294% | 3,918 |
| Net interest margin | 3.2119% | 4,590 |
| Noninterest income to average assets | 0.8129% | 1,733 |
| Noninterest expense to average assets | 2.6658% | 3,709 |
| Loan and lease loss provision to assets | -0.1525% | 5,924 |
| Net operating income to assets | 0.8770% | 2,991 |
| Return on assets (ROA) | 0.8797% | 3,066 |
| Pretax return on assets | 1.1743% | 2,753 |
| Return on Equity (ROE) | 6.1271% | 3,979 |
| Retained earnings to average equity (ytd only) | 2.1452% | 4,496 |
| Net charge-offs to loans | -0.0733% | 5,686 |
| Credit loss provision to net charge-offs | 306.0229% | 968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3290% | 2,851 |
| Assets per employee ($millions) | 8.7192% | 427 |
| Cash dividends to net income (ytd only)* | 64.9878% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 2,615 |
| Loan loss allowance to noncurrent loans | 135.6162% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 2,916 |
| Noncurrent loans to loans | 1.0034% | 2,333 |
| Net loans and leases to total assets | 66.8702% | 2,866 |
| Net loans and leases to deposits | 83.1259% | 2,460 |
| Net loans and leases to core deposits | 87.1560% | 2,678 |
| Total domestic deposits to total assets | 80.4444% | 4,625 |
| Equity capital to assets | 14.3472% | 815 |
| Core capital (leverage) ratio | 9.6506% | 3,980 |
| Tier 1 risk-based capital ratio | 12.4673% | 4,655 |
| Total risk-based capital ratio | 13.7177% | 4,543 |
| Memoranda: | ||
| Average total assets | $2,099,041,000 | 369 |
| Average earning assets | $1,876,353,200 | 371 |
| Average equity | $301,364,800 | 303 |
| Average total loans | $1,426,814,000 | 365 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5387% | 4,889 |
| Cost of funding earning assets | 0.3283% | 4,007 |
| Net interest margin | 3.2104% | 4,639 |
| Noninterest income to average assets | 0.8173% | 1,739 |
| Noninterest expense to average assets | 2.6958% | 3,578 |
| Loan and lease loss provision to assets | -0.1829% | 6,087 |
| Net operating income to assets | 0.8833% | 3,024 |
| Return on assets (ROA) | 0.8833% | 3,107 |
| Pretax return on assets | 1.1725% | 2,917 |
| Return on Equity (ROE) | 6.1509% | 4,086 |
| Retained earnings to average equity (ytd only) | 2.6075% | 4,557 |
| Net charge-offs to loans | -0.0423% | 5,489 |
| Credit loss provision to net charge-offs | 636.0619% | 537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1038% | 2,697 |
| Assets per employee ($millions) | 8.5482% | 437 |
| Cash dividends to net income (ytd only)* | 57.6078% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 3,020 |
| Loan loss allowance to noncurrent loans | 130.8857% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.7206% | 3,102 |
| Noncurrent loans to loans | 1.0038% | 2,473 |
| Net loans and leases to total assets | 69.1354% | 2,515 |
| Net loans and leases to deposits | 86.7661% | 2,056 |
| Net loans and leases to core deposits | 91.0306% | 2,354 |
| Total domestic deposits to total assets | 79.6802% | 4,809 |
| Equity capital to assets | 14.6352% | 829 |
| Core capital (leverage) ratio | 9.6747% | 4,065 |
| Tier 1 risk-based capital ratio | 12.2414% | 4,933 |
| Total risk-based capital ratio | 13.4842% | 4,834 |
| Memoranda: | ||
| Average total assets | $2,096,290,000 | 376 |
| Average earning assets | $1,872,834,250 | 377 |
| Average equity | $301,022,750 | 307 |
| Average total loans | $1,425,903,500 | 368 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5166% | 4,940 |
| Cost of funding earning assets | 0.3261% | 4,093 |
| Net interest margin | 3.1905% | 4,690 |
| Noninterest income to average assets | 0.8026% | 1,768 |
| Noninterest expense to average assets | 2.7064% | 3,573 |
| Loan and lease loss provision to assets | -0.1480% | 6,130 |
| Net operating income to assets | 0.8183% | 3,293 |
| Return on assets (ROA) | 0.8183% | 3,398 |
| Pretax return on assets | 1.0937% | 3,200 |
| Return on Equity (ROE) | 5.7348% | 4,263 |
| Retained earnings to average equity (ytd only) | 1.7296% | 4,829 |
| Net charge-offs to loans | -0.0511% | 5,558 |
| Credit loss provision to net charge-offs | 430.4709% | 703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0396% | 2,672 |
| Assets per employee ($millions) | 8.3477% | 456 |
| Cash dividends to net income (ytd only)* | 69.8405% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 2,609 |
| Loan loss allowance to noncurrent loans | 146.4301% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 3,278 |
| Noncurrent loans to loans | 0.9773% | 2,691 |
| Net loans and leases to total assets | 67.6908% | 2,690 |
| Net loans and leases to deposits | 85.0612% | 2,176 |
| Net loans and leases to core deposits | 89.2550% | 2,424 |
| Total domestic deposits to total assets | 79.5789% | 4,961 |
| Equity capital to assets | 14.4488% | 832 |
| Core capital (leverage) ratio | 9.4649% | 4,319 |
| Tier 1 risk-based capital ratio | 12.1984% | 5,004 |
| Total risk-based capital ratio | 13.4495% | 4,898 |
| Memoranda: | ||
| Average total assets | $2,099,800,000 | 376 |
| Average earning assets | $1,875,320,670 | 374 |
| Average equity | $299,611,670 | 311 |
| Average total loans | $1,414,139,330 | 368 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4962% | 4,981 |
| Cost of funding earning assets | 0.3219% | 4,198 |
| Net interest margin | 3.1743% | 4,697 |
| Noninterest income to average assets | 0.7517% | 1,909 |
| Noninterest expense to average assets | 2.6482% | 3,750 |
| Loan and lease loss provision to assets | -0.0078% | 6,095 |
| Net operating income to assets | 0.7100% | 3,746 |
| Return on assets (ROA) | 0.7100% | 3,872 |
| Pretax return on assets | 0.9481% | 3,702 |
| Return on Equity (ROE) | 5.0071% | 4,522 |
| Retained earnings to average equity (ytd only) | 0.9971% | 5,071 |
| Net charge-offs to loans | -0.1788% | 6,025 |
| Credit loss provision to net charge-offs | 6.5183% | 2,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6650% | 2,869 |
| Assets per employee ($millions) | 8.4175% | 457 |
| Cash dividends to net income (ytd only)* | 80.0854% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 2,128 |
| Loan loss allowance to noncurrent loans | 151.5352% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 3,268 |
| Noncurrent loans to loans | 1.0414% | 2,679 |
| Net loans and leases to total assets | 65.0390% | 2,928 |
| Net loans and leases to deposits | 82.6300% | 2,258 |
| Net loans and leases to core deposits | 86.9866% | 2,436 |
| Total domestic deposits to total assets | 78.7112% | 5,316 |
| Equity capital to assets | 14.1224% | 945 |
| Core capital (leverage) ratio | 9.3587% | 4,487 |
| Tier 1 risk-based capital ratio | 12.5125% | 4,895 |
| Total risk-based capital ratio | 13.7657% | 4,803 |
| Memoranda: | ||
| Average total assets | $2,110,415,500 | 372 |
| Average earning assets | $1,886,043,000 | 375 |
| Average equity | $299,253,000 | 308 |
| Average total loans | $1,407,496,000 | 364 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 4,632 |
| Cost of funding earning assets | 0.2946% | 4,845 |
| Net interest margin | 3.4599% | 3,940 |
| Noninterest income to average assets | 0.7826% | 1,941 |
| Noninterest expense to average assets | 2.7060% | 3,840 |
| Loan and lease loss provision to assets | 0.1506% | 1,742 |
| Net operating income to assets | 0.7922% | 3,414 |
| Return on assets (ROA) | 0.7913% | 3,513 |
| Pretax return on assets | 0.9991% | 3,501 |
| Return on Equity (ROE) | 5.3828% | 4,470 |
| Retained earnings to average equity (ytd only) | -4.8596% | 6,176 |
| Net charge-offs to loans | 0.2782% | 1,558 |
| Credit loss provision to net charge-offs | 80.3106% | 2,857 |
| Earnings coverage of net charge-offs (x) | 6.1369% | 3,265 |
| Efficiency ratio | 69.8298% | 3,558 |
| Assets per employee ($millions) | 7.8030% | 574 |
| Cash dividends to net income (ytd only)* | 190.2801% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 2,318 |
| Loan loss allowance to noncurrent loans | 176.8797% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 3,698 |
| Noncurrent loans to loans | 0.8683% | 3,144 |
| Net loans and leases to total assets | 66.2811% | 2,842 |
| Net loans and leases to deposits | 84.3819% | 2,168 |
| Net loans and leases to core deposits | 89.1848% | 2,366 |
| Total domestic deposits to total assets | 78.5490% | 5,338 |
| Equity capital to assets | 14.2383% | 893 |
| Core capital (leverage) ratio | 9.4304% | 4,341 |
| Tier 1 risk-based capital ratio | 12.2955% | 5,160 |
| Total risk-based capital ratio | 13.5481% | 5,074 |
| Memoranda: | ||
| Average total assets | $2,025,732,800 | 368 |
| Average earning assets | $1,799,939,600 | 369 |
| Average equity | $297,784,200 | 297 |
| Average total loans | $1,365,743,200 | 355 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 4,556 |
| Cost of funding earning assets | 0.2872% | 5,020 |
| Net interest margin | 3.5093% | 3,794 |
| Noninterest income to average assets | 0.7874% | 1,938 |
| Noninterest expense to average assets | 2.7099% | 3,794 |
| Loan and lease loss provision to assets | 0.0711% | 2,927 |
| Net operating income to assets | 0.8662% | 3,094 |
| Return on assets (ROA) | 0.8641% | 3,196 |
| Pretax return on assets | 1.1185% | 3,114 |
| Return on Equity (ROE) | 5.8308% | 4,320 |
| Retained earnings to average equity (ytd only) | -6.7056% | 6,313 |
| Net charge-offs to loans | 0.3851% | 1,036 |
| Credit loss provision to net charge-offs | 27.3633% | 3,492 |
| Earnings coverage of net charge-offs (x) | 4.5910% | 3,419 |
| Efficiency ratio | 69.1170% | 3,658 |
| Assets per employee ($millions) | 7.5911% | 618 |
| Cash dividends to net income (ytd only)* | 215.0042% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 3,119 |
| Loan loss allowance to noncurrent loans | 131.4461% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 0.7988% | 3,420 |
| Noncurrent loans to loans | 1.0738% | 2,925 |
| Net loans and leases to total assets | 66.7870% | 2,723 |
| Net loans and leases to deposits | 85.2398% | 2,001 |
| Net loans and leases to core deposits | 90.2916% | 2,195 |
| Total domestic deposits to total assets | 78.3518% | 5,460 |
| Equity capital to assets | 14.4772% | 853 |
| Core capital (leverage) ratio | 9.5413% | 4,316 |
| Tier 1 risk-based capital ratio | 12.5287% | 5,151 |
| Total risk-based capital ratio | 13.7798% | 5,088 |
| Memoranda: | ||
| Average total assets | $2,009,362,250 | 367 |
| Average earning assets | $1,783,458,500 | 370 |
| Average equity | $297,792,000 | 294 |
| Average total loans | $1,355,253,750 | 352 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 4,393 |
| Cost of funding earning assets | 0.2805% | 5,170 |
| Net interest margin | 3.5549% | 3,551 |
| Noninterest income to average assets | 0.8098% | 1,803 |
| Noninterest expense to average assets | 2.7215% | 3,790 |
| Loan and lease loss provision to assets | 0.0024% | 4,166 |
| Net operating income to assets | 0.9269% | 2,671 |
| Return on assets (ROA) | 0.9238% | 2,788 |
| Pretax return on assets | 1.2306% | 2,533 |
| Return on Equity (ROE) | 6.1846% | 4,059 |
| Retained earnings to average equity (ytd only) | -9.8950% | 6,418 |
| Net charge-offs to loans | 0.2282% | 1,672 |
| Credit loss provision to net charge-offs | 1.5625% | 3,391 |
| Earnings coverage of net charge-offs (x) | 8.0482% | 2,542 |
| Efficiency ratio | 68.4220% | 3,933 |
| Assets per employee ($millions) | 7.5222% | 620 |
| Cash dividends to net income (ytd only)* | 259.9935% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5188% | 2,811 |
| Loan loss allowance to noncurrent loans | 156.7285% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 3,828 |
| Noncurrent loans to loans | 0.9690% | 3,299 |
| Net loans and leases to total assets | 66.3500% | 2,702 |
| Net loans and leases to deposits | 84.7961% | 1,956 |
| Net loans and leases to core deposits | 88.8520% | 2,227 |
| Total domestic deposits to total assets | 78.2465% | 5,591 |
| Equity capital to assets | 14.5364% | 812 |
| Core capital (leverage) ratio | 9.7848% | 3,911 |
| Tier 1 risk-based capital ratio | 12.6870% | 5,093 |
| Total risk-based capital ratio | 13.9395% | 5,034 |
| Memoranda: | ||
| Average total assets | $1,998,479,330 | 366 |
| Average earning assets | $1,770,187,330 | 368 |
| Average equity | $298,513,670 | 291 |
| Average total loans | $1,345,897,670 | 352 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 4,124 |
| Cost of funding earning assets | 0.2688% | 5,399 |
| Net interest margin | 3.6201% | 3,169 |
| Noninterest income to average assets | 0.6856% | 2,251 |
| Noninterest expense to average assets | 2.8220% | 3,483 |
| Loan and lease loss provision to assets | -0.0071% | 6,387 |
| Net operating income to assets | 0.8804% | 2,739 |
| Return on assets (ROA) | 0.8736% | 2,846 |
| Pretax return on assets | 1.0669% | 3,048 |
| Return on Equity (ROE) | 5.7689% | 4,144 |
| Retained earnings to average equity (ytd only) | -20.9327% | 6,541 |
| Net charge-offs to loans | 0.2591% | 1,296 |
| Credit loss provision to net charge-offs | -4.0556% | 4,651 |
| Earnings coverage of net charge-offs (x) | 6.1217% | 2,274 |
| Efficiency ratio | 72.2104% | 3,448 |
| Assets per employee ($millions) | 7.1782% | 729 |
| Cash dividends to net income (ytd only)* | 462.8558% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 2,749 |
| Loan loss allowance to noncurrent loans | 175.1795% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 4,135 |
| Noncurrent loans to loans | 0.9077% | 3,612 |
| Net loans and leases to total assets | 66.5892% | 2,467 |
| Net loans and leases to deposits | 85.4076% | 1,678 |
| Net loans and leases to core deposits | 89.3877% | 1,969 |
| Total domestic deposits to total assets | 77.9664% | 5,841 |
| Equity capital to assets | 14.6898% | 737 |
| Core capital (leverage) ratio | 9.6815% | 4,023 |
| Tier 1 risk-based capital ratio | 12.7414% | 5,166 |
| Total risk-based capital ratio | 13.9948% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,978,467,000 | 370 |
| Average earning assets | $1,751,329,500 | 374 |
| Average equity | $299,607,500 | 288 |
| Average total loans | $1,332,143,000 | 353 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8344% | 4,676 |
| Cost of funding earning assets | 0.2847% | 5,718 |
| Net interest margin | 3.5496% | 3,686 |
| Noninterest income to average assets | 0.8636% | 1,811 |
| Noninterest expense to average assets | 2.7640% | 3,857 |
| Loan and lease loss provision to assets | 0.1338% | 2,638 |
| Net operating income to assets | 0.8299% | 3,135 |
| Return on assets (ROA) | 0.8411% | 3,161 |
| Pretax return on assets | 1.1140% | 2,905 |
| Return on Equity (ROE) | 5.1037% | 4,575 |
| Retained earnings to average equity (ytd only) | -5.2200% | 6,383 |
| Net charge-offs to loans | 0.3562% | 1,894 |
| Credit loss provision to net charge-offs | 58.6131% | 3,608 |
| Earnings coverage of net charge-offs (x) | 5.4022% | 3,310 |
| Efficiency ratio | 67.8736% | 4,218 |
| Assets per employee ($millions) | 6.7634% | 866 |
| Cash dividends to net income (ytd only)* | 202.2775% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7024% | 2,398 |
| Loan loss allowance to noncurrent loans | 133.9301% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.8847% | 3,681 |
| Noncurrent loans to loans | 1.2711% | 3,008 |
| Net loans and leases to total assets | 65.8528% | 2,710 |
| Net loans and leases to deposits | 84.3513% | 1,883 |
| Net loans and leases to core deposits | 88.4227% | 2,197 |
| Total domestic deposits to total assets | 78.0697% | 5,820 |
| Equity capital to assets | 15.6049% | 584 |
| Core capital (leverage) ratio | 10.5534% | 2,847 |
| Tier 1 risk-based capital ratio | 14.1937% | 4,155 |
| Total risk-based capital ratio | 15.4483% | 4,099 |
| Memoranda: | ||
| Average total assets | $1,983,686,800 | 359 |
| Average earning assets | $1,751,106,800 | 360 |
| Average equity | $326,918,800 | 257 |
| Average total loans | $1,271,103,400 | 352 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7994% | 4,862 |
| Cost of funding earning assets | 0.2896% | 5,816 |
| Net interest margin | 3.5098% | 3,837 |
| Noninterest income to average assets | 0.8772% | 1,834 |
| Noninterest expense to average assets | 2.7301% | 3,902 |
| Loan and lease loss provision to assets | 0.1786% | 2,037 |
| Net operating income to assets | 0.7955% | 3,373 |
| Return on assets (ROA) | 0.8101% | 3,428 |
| Pretax return on assets | 1.0833% | 3,177 |
| Return on Equity (ROE) | 4.8522% | 4,795 |
| Retained earnings to average equity (ytd only) | 0.9382% | 5,608 |
| Net charge-offs to loans | 0.3608% | 1,752 |
| Credit loss provision to net charge-offs | 78.1296% | 2,891 |
| Earnings coverage of net charge-offs (x) | 5.4339% | 3,193 |
| Efficiency ratio | 67.4462% | 4,196 |
| Assets per employee ($millions) | 6.8757% | 794 |
| Cash dividends to net income (ytd only)* | 80.6652% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7635% | 2,411 |
| Loan loss allowance to noncurrent loans | 147.8387% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 3,958 |
| Noncurrent loans to loans | 1.1928% | 3,436 |
| Net loans and leases to total assets | 65.1917% | 2,768 |
| Net loans and leases to deposits | 83.5283% | 1,937 |
| Net loans and leases to core deposits | 86.7937% | 2,307 |
| Total domestic deposits to total assets | 78.0474% | 5,891 |
| Equity capital to assets | 16.3092% | 495 |
| Core capital (leverage) ratio | 11.6138% | 1,938 |
| Tier 1 risk-based capital ratio | 15.3808% | 3,524 |
| Total risk-based capital ratio | 16.6360% | 3,481 |
| Memoranda: | ||
| Average total assets | $1,989,258,750 | 359 |
| Average earning assets | $1,754,289,000 | 361 |
| Average equity | $332,130,000 | 253 |
| Average total loans | $1,260,378,000 | 352 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8150% | 4,776 |
| Cost of funding earning assets | 0.2956% | 5,862 |
| Net interest margin | 3.5195% | 3,700 |
| Noninterest income to average assets | 0.9082% | 1,791 |
| Noninterest expense to average assets | 2.7338% | 3,912 |
| Loan and lease loss provision to assets | 0.2581% | 1,434 |
| Net operating income to assets | 0.7762% | 3,426 |
| Return on assets (ROA) | 0.7889% | 3,516 |
| Pretax return on assets | 1.0323% | 3,362 |
| Return on Equity (ROE) | 4.6882% | 4,900 |
| Retained earnings to average equity (ytd only) | 1.3168% | 5,364 |
| Net charge-offs to loans | 0.4431% | 1,478 |
| Credit loss provision to net charge-offs | 93.4283% | 2,365 |
| Earnings coverage of net charge-offs (x) | 4.6112% | 3,085 |
| Efficiency ratio | 66.9426% | 4,373 |
| Assets per employee ($millions) | 6.6524% | 846 |
| Cash dividends to net income (ytd only)* | 71.9126% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 2,071 |
| Loan loss allowance to noncurrent loans | 138.0392% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.9680% | 3,841 |
| Noncurrent loans to loans | 1.3881% | 3,220 |
| Net loans and leases to total assets | 62.7666% | 3,142 |
| Net loans and leases to deposits | 80.8667% | 2,201 |
| Net loans and leases to core deposits | 84.1337% | 2,544 |
| Total domestic deposits to total assets | 77.6174% | 6,046 |
| Equity capital to assets | 16.7758% | 438 |
| Core capital (leverage) ratio | 11.7007% | 1,797 |
| Tier 1 risk-based capital ratio | 16.1160% | 3,129 |
| Total risk-based capital ratio | 17.3727% | 3,070 |
| Memoranda: | ||
| Average total assets | $1,983,106,000 | 363 |
| Average earning assets | $1,746,404,670 | 361 |
| Average equity | $333,692,330 | 252 |
| Average total loans | $1,236,384,000 | 356 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 5,009 |
| Cost of funding earning assets | 0.3029% | 5,945 |
| Net interest margin | 3.4411% | 3,958 |
| Noninterest income to average assets | 0.8901% | 1,790 |
| Noninterest expense to average assets | 2.7023% | 4,048 |
| Loan and lease loss provision to assets | 0.3010% | 1,150 |
| Net operating income to assets | 0.7023% | 3,677 |
| Return on assets (ROA) | 0.7244% | 3,705 |
| Pretax return on assets | 0.9401% | 3,613 |
| Return on Equity (ROE) | 4.2985% | 4,941 |
| Retained earnings to average equity (ytd only) | 2.5124% | 4,768 |
| Net charge-offs to loans | 0.4836% | 1,236 |
| Credit loss provision to net charge-offs | 101.1463% | 1,806 |
| Earnings coverage of net charge-offs (x) | 4.0742% | 2,620 |
| Efficiency ratio | 67.7328% | 4,361 |
| Assets per employee ($millions) | 6.6731% | 906 |
| Cash dividends to net income (ytd only)* | 41.5512% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9883% | 2,075 |
| Loan loss allowance to noncurrent loans | 144.5968% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.9319% | 4,065 |
| Noncurrent loans to loans | 1.3751% | 3,504 |
| Net loans and leases to total assets | 60.1340% | 3,404 |
| Net loans and leases to deposits | 78.0718% | 2,330 |
| Net loans and leases to core deposits | 81.3075% | 2,654 |
| Total domestic deposits to total assets | 77.0240% | 6,247 |
| Equity capital to assets | 16.9226% | 432 |
| Core capital (leverage) ratio | 11.6681% | 1,773 |
| Tier 1 risk-based capital ratio | 16.2099% | 3,152 |
| Total risk-based capital ratio | 17.4670% | 3,095 |
| Memoranda: | ||
| Average total assets | $1,993,424,500 | 363 |
| Average earning assets | $1,752,104,500 | 364 |
| Average equity | $335,929,000 | 255 |
| Average total loans | $1,226,656,500 | 362 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 5,053 |
| Cost of funding earning assets | 0.3726% | 6,093 |
| Net interest margin | 3.6979% | 3,653 |
| Noninterest income to average assets | 0.9470% | 1,715 |
| Noninterest expense to average assets | 2.6618% | 4,528 |
| Loan and lease loss provision to assets | 0.5310% | 1,089 |
| Net operating income to assets | 0.8099% | 3,242 |
| Return on assets (ROA) | 0.8171% | 3,451 |
| Pretax return on assets | 1.0078% | 3,524 |
| Return on Equity (ROE) | 4.8987% | 4,723 |
| Retained earnings to average equity (ytd only) | 0.4818% | 5,611 |
| Net charge-offs to loans | 1.1942% | 845 |
| Credit loss provision to net charge-offs | 72.0692% | 4,097 |
| Earnings coverage of net charge-offs (x) | 2.0766% | 4,374 |
| Efficiency ratio | 62.1225% | 5,218 |
| Assets per employee ($millions) | 6.7056% | 895 |
| Cash dividends to net income (ytd only)* | 90.1639% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9657% | 2,114 |
| Loan loss allowance to noncurrent loans | 131.4999% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 4,001 |
| Noncurrent loans to loans | 1.4948% | 3,363 |
| Net loans and leases to total assets | 60.5023% | 3,515 |
| Net loans and leases to deposits | 78.3910% | 2,476 |
| Net loans and leases to core deposits | 82.0376% | 2,766 |
| Total domestic deposits to total assets | 77.1802% | 6,201 |
| Equity capital to assets | 16.7814% | 440 |
| Core capital (leverage) ratio | 11.2842% | 2,025 |
| Tier 1 risk-based capital ratio | 16.0123% | 3,158 |
| Total risk-based capital ratio | 17.2694% | 3,105 |
| Memoranda: | ||
| Average total assets | $2,015,777,200 | 353 |
| Average earning assets | $1,768,738,600 | 352 |
| Average equity | $336,214,800 | 257 |
| Average total loans | $1,243,547,000 | 354 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 5,114 |
| Cost of funding earning assets | 0.3823% | 6,211 |
| Net interest margin | 3.7376% | 3,621 |
| Noninterest income to average assets | 0.9753% | 1,579 |
| Noninterest expense to average assets | 2.5952% | 4,760 |
| Loan and lease loss provision to assets | 0.5497% | 1,059 |
| Net operating income to assets | 0.9146% | 2,912 |
| Return on assets (ROA) | 0.9159% | 3,127 |
| Pretax return on assets | 1.1121% | 3,306 |
| Return on Equity (ROE) | 5.4999% | 4,599 |
| Retained earnings to average equity (ytd only) | 1.5963% | 5,538 |
| Net charge-offs to loans | 1.1274% | 892 |
| Credit loss provision to net charge-offs | 79.0453% | 3,653 |
| Earnings coverage of net charge-offs (x) | 2.3873% | 4,083 |
| Efficiency ratio | 59.6315% | 5,559 |
| Assets per employee ($millions) | 6.7759% | 827 |
| Cash dividends to net income (ytd only)* | 70.9757% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1594% | 1,786 |
| Loan loss allowance to noncurrent loans | 87.4015% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.6484% | 3,109 |
| Noncurrent loans to loans | 2.4707% | 2,329 |
| Net loans and leases to total assets | 58.5529% | 4,034 |
| Net loans and leases to deposits | 76.9056% | 2,833 |
| Net loans and leases to core deposits | 80.7737% | 3,111 |
| Total domestic deposits to total assets | 76.1361% | 6,364 |
| Equity capital to assets | 16.7155% | 499 |
| Core capital (leverage) ratio | 11.3495% | 2,092 |
| Tier 1 risk-based capital ratio | 16.3736% | 3,081 |
| Total risk-based capital ratio | 17.6327% | 3,035 |
| Memoranda: | ||
| Average total assets | $2,020,151,500 | 355 |
| Average earning assets | $1,772,886,500 | 354 |
| Average equity | $336,433,500 | 256 |
| Average total loans | $1,246,122,000 | 356 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 4,954 |
| Cost of funding earning assets | 0.3960% | 6,284 |
| Net interest margin | 3.8045% | 3,338 |
| Noninterest income to average assets | 0.9130% | 1,737 |
| Noninterest expense to average assets | 2.6420% | 4,640 |
| Loan and lease loss provision to assets | 0.7102% | 758 |
| Net operating income to assets | 0.7245% | 3,731 |
| Return on assets (ROA) | 0.7264% | 4,000 |
| Pretax return on assets | 0.8955% | 4,094 |
| Return on Equity (ROE) | 4.3671% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.2649% | 4,441 |
| Net charge-offs to loans | 1.0731% | 1,019 |
| Credit loss provision to net charge-offs | 106.2407% | 2,563 |
| Earnings coverage of net charge-offs (x) | 2.3985% | 3,795 |
| Efficiency ratio | 60.8730% | 5,440 |
| Assets per employee ($millions) | 6.6768% | 870 |
| Cash dividends to net income (ytd only)* | 25.2387% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3493% | 1,502 |
| Loan loss allowance to noncurrent loans | 78.6176% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 1.9958% | 2,785 |
| Noncurrent loans to loans | 2.9883% | 1,982 |
| Net loans and leases to total assets | 59.3903% | 3,930 |
| Net loans and leases to deposits | 78.9646% | 2,528 |
| Net loans and leases to core deposits | 82.9205% | 2,835 |
| Total domestic deposits to total assets | 75.2112% | 6,565 |
| Equity capital to assets | 16.8090% | 465 |
| Core capital (leverage) ratio | 11.3342% | 2,020 |
| Tier 1 risk-based capital ratio | 15.8830% | 3,216 |
| Total risk-based capital ratio | 17.1444% | 3,188 |
| Memoranda: | ||
| Average total assets | $2,018,201,670 | 353 |
| Average earning assets | $1,767,752,670 | 358 |
| Average equity | $335,692,330 | 254 |
| Average total loans | $1,257,341,000 | 354 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2491% | 4,928 |
| Cost of funding earning assets | 0.4246% | 6,283 |
| Net interest margin | 3.8245% | 3,270 |
| Noninterest income to average assets | 0.9081% | 1,710 |
| Noninterest expense to average assets | 2.7430% | 4,273 |
| Loan and lease loss provision to assets | 0.9923% | 423 |
| Net operating income to assets | 0.4953% | 4,850 |
| Return on assets (ROA) | 0.4998% | 5,042 |
| Pretax return on assets | 0.5194% | 5,366 |
| Return on Equity (ROE) | 3.0209% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.0032% | 5,264 |
| Net charge-offs to loans | 0.6474% | 1,509 |
| Credit loss provision to net charge-offs | 243.1553% | 1,170 |
| Earnings coverage of net charge-offs (x) | 3.6927% | 2,777 |
| Efficiency ratio | 63.1846% | 5,073 |
| Assets per employee ($millions) | 6.5764% | 940 |
| Cash dividends to net income (ytd only)* | 33.6901% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4675% | 1,400 |
| Loan loss allowance to noncurrent loans | 73.0615% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 2.3148% | 2,564 |
| Noncurrent loans to loans | 3.3772% | 1,873 |
| Net loans and leases to total assets | 60.7625% | 3,499 |
| Net loans and leases to deposits | 80.8990% | 2,072 |
| Net loans and leases to core deposits | 85.4322% | 2,354 |
| Total domestic deposits to total assets | 75.1091% | 6,633 |
| Equity capital to assets | 16.4416% | 507 |
| Core capital (leverage) ratio | 11.2822% | 2,045 |
| Tier 1 risk-based capital ratio | 15.1604% | 3,650 |
| Total risk-based capital ratio | 16.4231% | 3,600 |
| Memoranda: | ||
| Average total assets | $2,019,102,000 | 353 |
| Average earning assets | $1,764,328,500 | 357 |
| Average equity | $334,070,000 | 250 |
| Average total loans | $1,272,833,000 | 345 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 5,141 |
| Cost of funding earning assets | 0.5781% | 6,198 |
| Net interest margin | 3.9057% | 3,316 |
| Noninterest income to average assets | 0.7905% | 2,116 |
| Noninterest expense to average assets | 2.7120% | 4,703 |
| Loan and lease loss provision to assets | 0.6187% | 1,661 |
| Net operating income to assets | 0.7009% | 3,485 |
| Return on assets (ROA) | 0.7536% | 3,410 |
| Pretax return on assets | 0.9538% | 3,416 |
| Return on Equity (ROE) | 4.6876% | 4,532 |
| Retained earnings to average equity (ytd only) | 2.6894% | 4,320 |
| Net charge-offs to loans | 2.1595% | 602 |
| Credit loss provision to net charge-offs | 45.3482% | 5,524 |
| Earnings coverage of net charge-offs (x) | 1.1037% | 4,958 |
| Efficiency ratio | 62.7529% | 5,339 |
| Assets per employee ($millions) | 6.1905% | 1,108 |
| Cash dividends to net income (ytd only)* | 42.6274% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2257% | 1,753 |
| Loan loss allowance to noncurrent loans | 65.8197% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 2.3745% | 2,551 |
| Noncurrent loans to loans | 3.3815% | 1,910 |
| Net loans and leases to total assets | 62.3741% | 3,526 |
| Net loans and leases to deposits | 81.5872% | 2,261 |
| Net loans and leases to core deposits | 86.9568% | 2,508 |
| Total domestic deposits to total assets | 76.4508% | 6,421 |
| Equity capital to assets | 16.6514% | 499 |
| Core capital (leverage) ratio | 10.6201% | 2,599 |
| Tier 1 risk-based capital ratio | 14.2098% | 4,170 |
| Total risk-based capital ratio | 15.4695% | 4,121 |
| Memoranda: | ||
| Average total assets | $2,054,583,200 | 337 |
| Average earning assets | $1,802,949,600 | 342 |
| Average equity | $330,299,200 | 243 |
| Average total loans | $1,298,074,200 | 337 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 5,134 |
| Cost of funding earning assets | 0.6022% | 6,278 |
| Net interest margin | 3.9362% | 3,201 |
| Noninterest income to average assets | 0.7915% | 2,096 |
| Noninterest expense to average assets | 2.7049% | 4,704 |
| Loan and lease loss provision to assets | 0.5172% | 1,919 |
| Net operating income to assets | 0.8101% | 3,113 |
| Return on assets (ROA) | 0.8465% | 3,106 |
| Pretax return on assets | 1.0811% | 3,094 |
| Return on Equity (ROE) | 5.3112% | 4,393 |
| Retained earnings to average equity (ytd only) | 3.6528% | 4,154 |
| Net charge-offs to loans | 1.9577% | 654 |
| Credit loss provision to net charge-offs | 41.9183% | 5,201 |
| Earnings coverage of net charge-offs (x) | 1.2576% | 4,675 |
| Efficiency ratio | 62.0226% | 5,405 |
| Assets per employee ($millions) | 6.2609% | 1,053 |
| Cash dividends to net income (ytd only)* | 31.2238% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5816% | 1,293 |
| Loan loss allowance to noncurrent loans | 86.6947% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 2.0447% | 3,084 |
| Noncurrent loans to loans | 2.9778% | 2,324 |
| Net loans and leases to total assets | 60.2578% | 4,087 |
| Net loans and leases to deposits | 79.4062% | 2,739 |
| Net loans and leases to core deposits | 84.7309% | 2,950 |
| Total domestic deposits to total assets | 75.8855% | 6,545 |
| Equity capital to assets | 16.4067% | 565 |
| Core capital (leverage) ratio | 10.7049% | 2,659 |
| Tier 1 risk-based capital ratio | 14.8286% | 3,767 |
| Total risk-based capital ratio | 16.0925% | 3,730 |
| Memoranda: | ||
| Average total assets | $2,068,349,500 | 334 |
| Average earning assets | $1,820,813,000 | 344 |
| Average equity | $329,637,000 | 246 |
| Average total loans | $1,303,700,000 | 333 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 5,092 |
| Cost of funding earning assets | 0.6334% | 6,303 |
| Net interest margin | 3.9387% | 3,129 |
| Noninterest income to average assets | 0.7133% | 2,473 |
| Noninterest expense to average assets | 2.6733% | 4,926 |
| Loan and lease loss provision to assets | 0.7000% | 1,355 |
| Net operating income to assets | 0.6354% | 3,883 |
| Return on assets (ROA) | 0.6903% | 3,710 |
| Pretax return on assets | 0.8782% | 3,724 |
| Return on Equity (ROE) | 4.3734% | 4,750 |
| Retained earnings to average equity (ytd only) | 4.3734% | 3,409 |
| Net charge-offs to loans | 2.4293% | 498 |
| Credit loss provision to net charge-offs | 45.4381% | 4,696 |
| Earnings coverage of net charge-offs (x) | 0.9793% | 4,565 |
| Efficiency ratio | 62.3817% | 5,529 |
| Assets per employee ($millions) | 6.2734% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7285% | 1,147 |
| Loan loss allowance to noncurrent loans | 91.4197% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 2.1197% | 3,083 |
| Noncurrent loans to loans | 2.9846% | 2,433 |
| Net loans and leases to total assets | 60.7874% | 4,129 |
| Net loans and leases to deposits | 80.1910% | 2,754 |
| Net loans and leases to core deposits | 85.5406% | 2,991 |
| Total domestic deposits to total assets | 75.8033% | 6,629 |
| Equity capital to assets | 16.2390% | 584 |
| Core capital (leverage) ratio | 10.4660% | 2,748 |
| Tier 1 risk-based capital ratio | 14.5442% | 3,759 |
| Total risk-based capital ratio | 15.7973% | 3,731 |
| Memoranda: | ||
| Average total assets | $2,077,448,000 | 337 |
| Average earning assets | $1,829,519,000 | 346 |
| Average equity | $327,892,670 | 247 |
| Average total loans | $1,317,437,670 | 337 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6012% | 4,940 |
| Cost of funding earning assets | 0.6634% | 6,327 |
| Net interest margin | 3.9378% | 2,968 |
| Noninterest income to average assets | 0.6680% | 2,739 |
| Noninterest expense to average assets | 2.6408% | 5,080 |
| Loan and lease loss provision to assets | 0.9567% | 823 |
| Net operating income to assets | 0.4397% | 4,769 |
| Return on assets (ROA) | 0.5543% | 4,339 |
| Pretax return on assets | 0.6680% | 4,428 |
| Return on Equity (ROE) | 3.5625% | 5,119 |
| Retained earnings to average equity (ytd only) | 3.5625% | 4,050 |
| Net charge-offs to loans | 3.7257% | 261 |
| Credit loss provision to net charge-offs | 40.2059% | 3,943 |
| Earnings coverage of net charge-offs (x) | 0.6247% | 4,162 |
| Efficiency ratio | 62.4293% | 5,609 |
| Assets per employee ($millions) | 6.3818% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7721% | 1,141 |
| Loan loss allowance to noncurrent loans | 95.5534% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 2.0927% | 3,204 |
| Noncurrent loans to loans | 2.9011% | 2,592 |
| Net loans and leases to total assets | 61.1542% | 4,045 |
| Net loans and leases to deposits | 79.6510% | 2,776 |
| Net loans and leases to core deposits | 85.1216% | 3,015 |
| Total domestic deposits to total assets | 76.7777% | 6,570 |
| Equity capital to assets | 15.7057% | 625 |
| Core capital (leverage) ratio | 10.1711% | 2,952 |
| Tier 1 risk-based capital ratio | 13.9464% | 4,108 |
| Total risk-based capital ratio | 15.2062% | 4,075 |
| Memoranda: | ||
| Average total assets | $2,090,465,000 | 338 |
| Average earning assets | $1,836,466,000 | 344 |
| Average equity | $325,274,500 | 244 |
| Average total loans | $1,335,166,500 | 335 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8515% | 5,227 |
| Cost of funding earning assets | 0.8924% | 6,196 |
| Net interest margin | 3.9592% | 3,218 |
| Noninterest income to average assets | 0.8060% | 2,252 |
| Noninterest expense to average assets | 2.6496% | 5,219 |
| Loan and lease loss provision to assets | 0.9900% | 1,640 |
| Net operating income to assets | 0.5462% | 3,903 |
| Return on assets (ROA) | 0.6482% | 3,599 |
| Pretax return on assets | 0.7987% | 3,638 |
| Return on Equity (ROE) | 4.3717% | 4,357 |
| Retained earnings to average equity (ytd only) | 1.8971% | 4,540 |
| Net charge-offs to loans | 2.0784% | 963 |
| Credit loss provision to net charge-offs | 72.5790% | 5,801 |
| Earnings coverage of net charge-offs (x) | 1.2190% | 4,883 |
| Efficiency ratio | 59.7926% | 6,079 |
| Assets per employee ($millions) | 6.3459% | 1,014 |
| Cash dividends to net income (ytd only)* | 56.6038% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2098% | 727 |
| Loan loss allowance to noncurrent loans | 87.3414% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 2.6126% | 2,664 |
| Noncurrent loans to loans | 3.6750% | 2,025 |
| Net loans and leases to total assets | 62.7508% | 4,121 |
| Net loans and leases to deposits | 82.1279% | 2,774 |
| Net loans and leases to core deposits | 88.5743% | 2,969 |
| Total domestic deposits to total assets | 76.4061% | 6,582 |
| Equity capital to assets | 15.4155% | 696 |
| Core capital (leverage) ratio | 10.0238% | 3,067 |
| Tier 1 risk-based capital ratio | 13.4453% | 4,256 |
| Total risk-based capital ratio | 14.7101% | 4,209 |
| Memoranda: | ||
| Average total assets | $2,166,627,800 | 328 |
| Average earning assets | $1,918,859,800 | 327 |
| Average equity | $321,272,400 | 245 |
| Average total loans | $1,421,938,000 | 330 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 5,307 |
| Cost of funding earning assets | 0.9266% | 6,281 |
| Net interest margin | 3.9652% | 3,261 |
| Noninterest income to average assets | 0.7674% | 2,403 |
| Noninterest expense to average assets | 2.5504% | 5,516 |
| Loan and lease loss provision to assets | 1.0046% | 1,476 |
| Net operating income to assets | 0.6006% | 3,881 |
| Return on assets (ROA) | 0.7124% | 3,514 |
| Pretax return on assets | 0.8734% | 3,651 |
| Return on Equity (ROE) | 4.8506% | 4,368 |
| Retained earnings to average equity (ytd only) | 1.5448% | 5,183 |
| Net charge-offs to loans | 1.7303% | 1,124 |
| Credit loss provision to net charge-offs | 88.2085% | 4,845 |
| Earnings coverage of net charge-offs (x) | 1.5292% | 4,579 |
| Efficiency ratio | 57.7769% | 6,303 |
| Assets per employee ($millions) | 6.4122% | 1,012 |
| Cash dividends to net income (ytd only)* | 68.1526% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5746% | 513 |
| Loan loss allowance to noncurrent loans | 87.0118% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 2.7585% | 2,623 |
| Noncurrent loans to loans | 4.1081% | 1,797 |
| Net loans and leases to total assets | 62.8694% | 4,356 |
| Net loans and leases to deposits | 82.8798% | 2,936 |
| Net loans and leases to core deposits | 89.4040% | 3,188 |
| Total domestic deposits to total assets | 75.8562% | 6,682 |
| Equity capital to assets | 15.3063% | 822 |
| Core capital (leverage) ratio | 9.7422% | 3,568 |
| Tier 1 risk-based capital ratio | 13.1813% | 4,438 |
| Total risk-based capital ratio | 14.4566% | 4,395 |
| Memoranda: | ||
| Average total assets | $2,183,165,250 | 323 |
| Average earning assets | $1,940,599,000 | 323 |
| Average equity | $320,640,750 | 242 |
| Average total loans | $1,436,978,500 | 330 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9653% | 5,107 |
| Cost of funding earning assets | 0.9544% | 6,365 |
| Net interest margin | 4.0109% | 2,960 |
| Noninterest income to average assets | 0.7152% | 2,619 |
| Noninterest expense to average assets | 2.5054% | 5,705 |
| Loan and lease loss provision to assets | 0.9040% | 1,613 |
| Net operating income to assets | 0.6685% | 3,537 |
| Return on assets (ROA) | 0.7530% | 3,338 |
| Pretax return on assets | 0.9932% | 3,143 |
| Return on Equity (ROE) | 5.1978% | 4,189 |
| Retained earnings to average equity (ytd only) | 0.2120% | 5,666 |
| Net charge-offs to loans | 1.0978% | 1,722 |
| Credit loss provision to net charge-offs | 124.7336% | 3,245 |
| Earnings coverage of net charge-offs (x) | 2.4643% | 3,764 |
| Efficiency ratio | 56.7485% | 6,537 |
| Assets per employee ($millions) | 6.5265% | 944 |
| Cash dividends to net income (ytd only)* | 95.9218% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7922% | 440 |
| Loan loss allowance to noncurrent loans | 100.5665% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 2.5534% | 2,833 |
| Noncurrent loans to loans | 3.7708% | 2,055 |
| Net loans and leases to total assets | 62.6003% | 4,558 |
| Net loans and leases to deposits | 82.4027% | 3,198 |
| Net loans and leases to core deposits | 88.6346% | 3,463 |
| Total domestic deposits to total assets | 75.9688% | 6,703 |
| Equity capital to assets | 14.7839% | 926 |
| Core capital (leverage) ratio | 9.4292% | 3,918 |
| Tier 1 risk-based capital ratio | 12.9373% | 4,504 |
| Total risk-based capital ratio | 14.2157% | 4,435 |
| Memoranda: | ||
| Average total assets | $2,201,275,000 | 316 |
| Average earning assets | $1,962,694,670 | 320 |
| Average equity | $318,905,330 | 243 |
| Average total loans | $1,453,304,000 | 325 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0678% | 4,688 |
| Cost of funding earning assets | 0.9803% | 6,463 |
| Net interest margin | 4.0875% | 2,492 |
| Noninterest income to average assets | 0.6854% | 2,693 |
| Noninterest expense to average assets | 2.4402% | 5,948 |
| Loan and lease loss provision to assets | 1.3020% | 928 |
| Net operating income to assets | 0.4472% | 4,625 |
| Return on assets (ROA) | 0.4879% | 4,592 |
| Pretax return on assets | 0.6358% | 4,469 |
| Return on Equity (ROE) | 3.4020% | 5,167 |
| Retained earnings to average equity (ytd only) | -6.6224% | 6,702 |
| Net charge-offs to loans | 2.2723% | 748 |
| Credit loss provision to net charge-offs | 86.1759% | 3,743 |
| Earnings coverage of net charge-offs (x) | 1.2476% | 4,009 |
| Efficiency ratio | 54.8081% | 6,903 |
| Assets per employee ($millions) | 6.6110% | 941 |
| Cash dividends to net income (ytd only)* | 294.6627% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4883% | 558 |
| Loan loss allowance to noncurrent loans | 97.0944% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 2.4326% | 2,985 |
| Noncurrent loans to loans | 3.5927% | 2,220 |
| Net loans and leases to total assets | 63.6666% | 4,401 |
| Net loans and leases to deposits | 83.1872% | 3,077 |
| Net loans and leases to core deposits | 89.9812% | 3,364 |
| Total domestic deposits to total assets | 76.5342% | 6,653 |
| Equity capital to assets | 14.3256% | 1,058 |
| Core capital (leverage) ratio | 9.0574% | 4,459 |
| Tier 1 risk-based capital ratio | 12.0710% | 5,123 |
| Total risk-based capital ratio | 13.3458% | 5,059 |
| Memoranda: | ||
| Average total assets | $2,211,994,000 | 323 |
| Average earning assets | $1,969,701,000 | 320 |
| Average equity | $317,226,000 | 244 |
| Average total loans | $1,470,770,500 | 332 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1157% | 6,024 |
| Cost of funding earning assets | 1.5630% | 5,214 |
| Net interest margin | 3.5527% | 4,732 |
| Noninterest income to average assets | 0.6609% | 3,213 |
| Noninterest expense to average assets | 2.7086% | 5,351 |
| Loan and lease loss provision to assets | 1.9461% | 1,128 |
| Net operating income to assets | -0.4517% | 6,128 |
| Return on assets (ROA) | -0.3582% | 6,028 |
| Pretax return on assets | -0.6782% | 6,167 |
| Return on Equity (ROE) | -2.7897% | 5,955 |
| Retained earnings to average equity (ytd only) | -2.9908% | 5,698 |
| Net charge-offs to loans | 2.0023% | 1,230 |
| Credit loss provision to net charge-offs | 145.1756% | 3,275 |
| Earnings coverage of net charge-offs (x) | 0.8368% | 5,269 |
| Efficiency ratio | 68.7224% | 4,878 |
| Assets per employee ($millions) | 5.6842% | 1,483 |
| Cash dividends to net income (ytd only)* | -7.2081% | 7,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4791% | 540 |
| Loan loss allowance to noncurrent loans | 90.9640% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 2.6495% | 2,652 |
| Noncurrent loans to loans | 3.8247% | 1,950 |
| Net loans and leases to total assets | 64.6773% | 4,451 |
| Net loans and leases to deposits | 84.1926% | 3,221 |
| Net loans and leases to core deposits | 109.4428% | 2,958 |
| Total domestic deposits to total assets | 76.8207% | 6,525 |
| Equity capital to assets | 14.3566% | 1,060 |
| Core capital (leverage) ratio | 9.1117% | 4,251 |
| Tier 1 risk-based capital ratio | 12.2998% | 4,683 |
| Total risk-based capital ratio | 13.5747% | 4,617 |
| Memoranda: | ||
| Average total assets | $2,324,064,000 | 311 |
| Average earning assets | $2,073,336,600 | 318 |
| Average equity | $298,380,400 | 251 |
| Average total loans | $1,555,934,600 | 324 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 6,285 |
| Cost of funding earning assets | 1.6676% | 5,075 |
| Net interest margin | 3.4274% | 5,158 |
| Noninterest income to average assets | 0.6622% | 3,275 |
| Noninterest expense to average assets | 2.7808% | 4,969 |
| Loan and lease loss provision to assets | 2.2262% | 773 |
| Net operating income to assets | -0.7712% | 6,665 |
| Return on assets (ROA) | -0.6656% | 6,584 |
| Pretax return on assets | -1.1201% | 6,777 |
| Return on Equity (ROE) | -5.3336% | 6,485 |
| Retained earnings to average equity (ytd only) | -5.6064% | 6,336 |
| Net charge-offs to loans | 1.9203% | 1,039 |
| Credit loss provision to net charge-offs | 173.1921% | 2,675 |
| Earnings coverage of net charge-offs (x) | 0.7321% | 5,307 |
| Efficiency ratio | 72.6858% | 4,107 |
| Assets per employee ($millions) | 5.5914% | 1,522 |
| Cash dividends to net income (ytd only)* | -5.1155% | 7,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5464% | 398 |
| Loan loss allowance to noncurrent loans | 79.9075% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 3.0220% | 2,297 |
| Noncurrent loans to loans | 4.4381% | 1,584 |
| Net loans and leases to total assets | 65.2880% | 4,580 |
| Net loans and leases to deposits | 84.7632% | 3,526 |
| Net loans and leases to core deposits | 113.4569% | 2,885 |
| Total domestic deposits to total assets | 77.0240% | 6,330 |
| Equity capital to assets | 13.6177% | 1,444 |
| Core capital (leverage) ratio | 8.2190% | 5,981 |
| Tier 1 risk-based capital ratio | 11.0297% | 5,921 |
| Total risk-based capital ratio | 12.3047% | 5,856 |
| Memoranda: | ||
| Average total assets | $2,349,446,500 | 321 |
| Average earning assets | $2,097,376,250 | 327 |
| Average equity | $293,205,500 | 264 |
| Average total loans | $1,572,595,750 | 335 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2155% | 6,026 |
| Cost of funding earning assets | 1.7850% | 4,834 |
| Net interest margin | 3.4305% | 5,061 |
| Noninterest income to average assets | 0.4411% | 4,926 |
| Noninterest expense to average assets | 2.7985% | 4,966 |
| Loan and lease loss provision to assets | 3.7945% | 343 |
| Net operating income to assets | -2.0391% | 7,437 |
| Return on assets (ROA) | -1.9066% | 7,395 |
| Pretax return on assets | -2.9646% | 7,563 |
| Return on Equity (ROE) | -13.2665% | 7,240 |
| Retained earnings to average equity (ytd only) | -13.2665% | 7,131 |
| Net charge-offs to loans | 3.1287% | 523 |
| Credit loss provision to net charge-offs | 174.9590% | 2,625 |
| Earnings coverage of net charge-offs (x) | 0.2872% | 5,389 |
| Efficiency ratio | 78.7197% | 3,232 |
| Assets per employee ($millions) | 5.6573% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0852% | 242 |
| Loan loss allowance to noncurrent loans | 95.5928% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 2.8960% | 2,210 |
| Noncurrent loans to loans | 4.2735% | 1,540 |
| Net loans and leases to total assets | 64.6735% | 4,841 |
| Net loans and leases to deposits | 90.0846% | 2,823 |
| Net loans and leases to core deposits | 103.4554% | 4,128 |
| Total domestic deposits to total assets | 71.7919% | 7,265 |
| Equity capital to assets | 14.6240% | 1,134 |
| Core capital (leverage) ratio | 7.9045% | 6,486 |
| Tier 1 risk-based capital ratio | 9.2946% | 7,544 |
| Total risk-based capital ratio | 10.4968% | 7,566 |
| Memoranda: | ||
| Average total assets | $1,686,646,330 | 435 |
| Average earning assets | $1,465,248,670 | 451 |
| Average equity | $242,400,670 | 305 |
| Average total loans | $1,169,181,670 | 444 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1598% | 6,446 |
| Cost of funding earning assets | 1.9055% | 4,600 |
| Net interest margin | 3.2543% | 5,677 |
| Noninterest income to average assets | 0.7564% | 2,563 |
| Noninterest expense to average assets | 2.7736% | 4,685 |
| Loan and lease loss provision to assets | 3.7937% | 258 |
| Net operating income to assets | -1.9217% | 7,636 |
| Return on assets (ROA) | -1.9217% | 7,639 |
| Pretax return on assets | -2.9825% | 7,752 |
| Return on Equity (ROE) | -13.4898% | 7,541 |
| Retained earnings to average equity (ytd only) | -13.4898% | 7,352 |
| Net charge-offs to loans | 3.3370% | 373 |
| Credit loss provision to net charge-offs | 161.7959% | 2,627 |
| Earnings coverage of net charge-offs (x) | 0.3459% | 4,698 |
| Efficiency ratio | 74.4361% | 3,745 |
| Assets per employee ($millions) | 5.6592% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3419% | 363 |
| Loan loss allowance to noncurrent loans | 68.0474% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 3.4028% | 1,597 |
| Noncurrent loans to loans | 4.9112% | 1,110 |
| Net loans and leases to total assets | 66.6880% | 4,415 |
| Net loans and leases to deposits | 92.9200% | 2,450 |
| Net loans and leases to core deposits | 109.2845% | 3,528 |
| Total domestic deposits to total assets | 71.7693% | 7,242 |
| Equity capital to assets | 14.3518% | 1,266 |
| Core capital (leverage) ratio | 8.3011% | 5,904 |
| Tier 1 risk-based capital ratio | 9.7356% | 7,214 |
| Total risk-based capital ratio | 10.9728% | 7,142 |
| Memoranda: | ||
| Average total assets | $1,687,026,500 | 434 |
| Average earning assets | $1,466,252,500 | 454 |
| Average equity | $240,329,000 | 310 |
| Average total loans | $1,185,392,500 | 448 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1716% | 4,661 |
| Cost of funding earning assets | 2.2807% | 5,241 |
| Net interest margin | 3.8909% | 3,604 |
| Noninterest income to average assets | 0.3725% | 5,719 |
| Noninterest expense to average assets | 7.5497% | 251 |
| Loan and lease loss provision to assets | 1.6180% | 806 |
| Net operating income to assets | -5.3168% | 8,110 |
| Return on assets (ROA) | -5.3168% | 8,102 |
| Pretax return on assets | -5.5538% | 8,066 |
| Return on Equity (ROE) | -29.4172% | 7,948 |
| Retained earnings to average equity (ytd only) | -34.2224% | 7,973 |
| Net charge-offs to loans | 0.8810% | 1,405 |
| Credit loss provision to net charge-offs | 274.0751% | 1,673 |
| Earnings coverage of net charge-offs (x) | -6.6670% | 6,864 |
| Efficiency ratio | 63.6493% | 5,633 |
| Assets per employee ($millions) | 5.3909% | 1,545 |
| Cash dividends to net income (ytd only)* | -16.3347% | 7,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7416% | 543 |
| Loan loss allowance to noncurrent loans | 90.8092% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 2.1745% | 2,250 |
| Noncurrent loans to loans | 3.0191% | 1,776 |
| Net loans and leases to total assets | 69.5828% | 4,120 |
| Net loans and leases to deposits | 103.7198% | 1,372 |
| Net loans and leases to core deposits | 119.7981% | 2,708 |
| Total domestic deposits to total assets | 67.0873% | 7,566 |
| Equity capital to assets | 14.1389% | 1,390 |
| Core capital (leverage) ratio | 7.3725% | 7,335 |
| Tier 1 risk-based capital ratio | 9.2968% | 7,525 |
| Total risk-based capital ratio | 10.5605% | 7,431 |
| Memoranda: | ||
| Average total assets | $1,767,453,200 | 404 |
| Average earning assets | $1,472,473,600 | 431 |
| Average equity | $319,445,600 | 257 |
| Average total loans | $1,184,282,600 | 438 |