Home > American Loan and Savings Association > Performance and Condition Ratios
American Loan and Savings Association, 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 | 4.0956% | 2,894 |
| Cost of funding earning assets | 0.4551% | 2,508 |
| Net interest margin | 3.6024% | 3,066 |
| Noninterest income to average assets | 2.6977% | 236 |
| Noninterest expense to average assets | 9.5812% | 77 |
| Loan and lease loss provision to assets | 0.0621% | 2,989 |
| Net operating income to assets | -3.9688% | 5,969 |
| Return on assets (ROA) | -3.9688% | 5,969 |
| Pretax return on assets | -3.9688% | 5,969 |
| Return on Equity (ROE) | -44.5879% | 5,968 |
| Retained earnings to average equity (ytd only) | -44.5879% | 5,961 |
| 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 | 169.7802% | 26 |
| Assets per employee ($millions) | 2.1165% | 5,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,880 |
| Loan loss allowance to noncurrent loans | 32.7586% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 2.7404% | 469 |
| Noncurrent loans to loans | 3.8525% | 300 |
| Net loans and leases to total assets | 70.2339% | 2,458 |
| Net loans and leases to deposits | 76.3286% | 3,371 |
| Net loans and leases to core deposits | 76.3286% | 3,803 |
| Total domestic deposits to total assets | 92.0151% | 75 |
| Equity capital to assets | 7.9849% | 5,743 |
| Core capital (leverage) ratio | 7.7011% | 5,787 |
| Tier 1 risk-based capital ratio | 21.6806% | 1,173 |
| Total risk-based capital ratio | 22.9634% | 1,153 |
| Memoranda: | ||
| Average total assets | $4,300,000 | 5,986 |
| Average earning assets | $3,516,000 | 5,974 |
| Average equity | $382,750 | 5,980 |
| Average total loans | $3,234,500 | 5,939 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 3,217 |
| Cost of funding earning assets | 0.4873% | 2,215 |
| Net interest margin | 3.5195% | 3,413 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 8.3288% | 94 |
| Loan and lease loss provision to assets | 0.0463% | 3,222 |
| Net operating income to assets | -6.1078% | 6,055 |
| Return on assets (ROA) | -6.1078% | 6,055 |
| Pretax return on assets | -5.3675% | 6,051 |
| Return on Equity (ROE) | -66.3867% | 6,050 |
| Retained earnings to average equity (ytd only) | -66.3867% | 6,046 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 276.9231% | 10 |
| Assets per employee ($millions) | 2.0870% | 5,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 3,321 |
| Loan loss allowance to noncurrent loans | 31.8966% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 2.7791% | 459 |
| Noncurrent loans to loans | 3.7822% | 335 |
| Net loans and leases to total assets | 72.5922% | 2,067 |
| Net loans and leases to deposits | 79.0916% | 3,045 |
| Net loans and leases to core deposits | 79.0916% | 3,545 |
| Total domestic deposits to total assets | 91.7825% | 103 |
| Equity capital to assets | 8.0019% | 5,808 |
| Core capital (leverage) ratio | 7.7136% | 5,839 |
| Tier 1 risk-based capital ratio | 19.9522% | 1,469 |
| Total risk-based capital ratio | 21.2067% | 1,426 |
| Memoranda: | ||
| Average total assets | $4,322,330 | 6,064 |
| Average earning assets | $3,693,670 | 6,051 |
| Average equity | $397,670 | 6,058 |
| Average total loans | $3,309,000 | 6,015 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6697% | 4,422 |
| Cost of funding earning assets | 0.4194% | 2,863 |
| Net interest margin | 3.2503% | 4,397 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 7.9154% | 111 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -6.5507% | 6,116 |
| Return on assets (ROA) | -6.5507% | 6,116 |
| Pretax return on assets | -5.0950% | 6,108 |
| Return on Equity (ROE) | -67.0547% | 6,109 |
| Retained earnings to average equity (ytd only) | -67.0547% | 6,095 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 280.6452% | 11 |
| Assets per employee ($millions) | 2.1865% | 5,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 4,021 |
| Loan loss allowance to noncurrent loans | 31.0345% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 2.6526% | 535 |
| Noncurrent loans to loans | 3.5627% | 379 |
| Net loans and leases to total assets | 73.6337% | 1,792 |
| Net loans and leases to deposits | 81.0675% | 2,666 |
| Net loans and leases to core deposits | 81.0675% | 3,229 |
| Total domestic deposits to total assets | 90.8301% | 320 |
| Equity capital to assets | 8.9870% | 5,179 |
| Core capital (leverage) ratio | 8.9706% | 4,895 |
| Tier 1 risk-based capital ratio | 22.1783% | 1,135 |
| Total risk-based capital ratio | 23.4199% | 1,119 |
| Memoranda: | ||
| Average total assets | $4,396,500 | 6,128 |
| Average earning assets | $3,815,000 | 6,116 |
| Average equity | $429,500 | 6,121 |
| Average total loans | $3,430,000 | 6,076 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 3,123 |
| Cost of funding earning assets | 0.3856% | 3,311 |
| Net interest margin | 3.6628% | 2,893 |
| Noninterest income to average assets | 0.0000% | 6,104 |
| Noninterest expense to average assets | 5.8432% | 190 |
| Loan and lease loss provision to assets | 0.0640% | 3,016 |
| Net operating income to assets | -2.6657% | 6,154 |
| Return on assets (ROA) | -2.6657% | 6,156 |
| Pretax return on assets | -2.6657% | 6,156 |
| Return on Equity (ROE) | -23.8095% | 6,142 |
| Retained earnings to average equity (ytd only) | -23.8095% | 6,127 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.2632% | 18 |
| Assets per employee ($millions) | 2.2100% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 4,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 80.7240% | 745 |
| Net loans and leases to deposits | 90.3978% | 1,564 |
| Net loans and leases to core deposits | 90.3978% | 2,375 |
| Total domestic deposits to total assets | 89.2986% | 968 |
| Equity capital to assets | 10.5430% | 3,311 |
| Core capital (leverage) ratio | 9.8768% | 3,678 |
| Tier 1 risk-based capital ratio | 21.3708% | 1,236 |
| Total risk-based capital ratio | 22.6083% | 1,223 |
| Memoranda: | ||
| Average total assets | $4,689,200 | 6,188 |
| Average earning assets | $4,149,800 | 6,175 |
| Average equity | $525,000 | 6,182 |
| Average total loans | $3,635,800 | 6,134 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 3,299 |
| Cost of funding earning assets | 0.3501% | 3,752 |
| Net interest margin | 3.6594% | 2,926 |
| Noninterest income to average assets | 0.0280% | 6,142 |
| Noninterest expense to average assets | 5.8585% | 185 |
| Loan and lease loss provision to assets | 0.0561% | 3,071 |
| Net operating income to assets | -2.6629% | 6,239 |
| Return on assets (ROA) | -2.6629% | 6,241 |
| Pretax return on assets | -2.6629% | 6,239 |
| Return on Equity (ROE) | -23.4664% | 6,229 |
| Retained earnings to average equity (ytd only) | -23.4664% | 6,213 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.1724% | 21 |
| Assets per employee ($millions) | 2.3100% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 4,949 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 78.3983% | 1,042 |
| Net loans and leases to deposits | 88.1480% | 1,882 |
| Net loans and leases to core deposits | 88.1480% | 2,649 |
| Total domestic deposits to total assets | 88.9394% | 1,055 |
| Equity capital to assets | 10.7359% | 3,318 |
| Core capital (leverage) ratio | 10.3769% | 3,181 |
| Tier 1 risk-based capital ratio | 22.4988% | 1,127 |
| Total risk-based capital ratio | 23.7670% | 1,104 |
| Memoranda: | ||
| Average total assets | $4,756,500 | 6,276 |
| Average earning assets | $4,190,000 | 6,263 |
| Average equity | $539,750 | 6,269 |
| Average total loans | $3,643,750 | 6,217 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,118 |
| Cost of funding earning assets | 0.3804% | 3,482 |
| Net interest margin | 3.6617% | 2,870 |
| Noninterest income to average assets | 0.0416% | 6,196 |
| Noninterest expense to average assets | 5.9975% | 182 |
| Loan and lease loss provision to assets | 0.0416% | 3,278 |
| Net operating income to assets | -2.7905% | 6,318 |
| Return on assets (ROA) | -2.7905% | 6,318 |
| Pretax return on assets | -2.7905% | 6,316 |
| Return on Equity (ROE) | -24.1733% | 6,306 |
| Retained earnings to average equity (ytd only) | -24.1733% | 6,283 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.6154% | 21 |
| Assets per employee ($millions) | 2.3460% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 5,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 78.4953% | 1,005 |
| Net loans and leases to deposits | 88.5762% | 1,764 |
| Net loans and leases to core deposits | 88.5762% | 2,502 |
| Total domestic deposits to total assets | 88.6189% | 1,347 |
| Equity capital to assets | 11.1679% | 2,702 |
| Core capital (leverage) ratio | 10.7895% | 2,626 |
| Tier 1 risk-based capital ratio | 23.4940% | 1,007 |
| Total risk-based capital ratio | 24.7451% | 997 |
| Memoranda: | ||
| Average total assets | $4,802,000 | 6,354 |
| Average earning assets | $4,205,670 | 6,339 |
| Average equity | $554,330 | 6,346 |
| Average total loans | $3,639,330 | 6,292 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 3,252 |
| Cost of funding earning assets | 0.3803% | 3,522 |
| Net interest margin | 3.6130% | 2,951 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 6.5884% | 165 |
| Loan and lease loss provision to assets | 0.0824% | 2,327 |
| Net operating income to assets | -3.5413% | 6,394 |
| Return on assets (ROA) | -3.5413% | 6,393 |
| Pretax return on assets | -3.5413% | 6,391 |
| Return on Equity (ROE) | -30.2019% | 6,383 |
| Retained earnings to average equity (ytd only) | -30.2019% | 6,343 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 210.5263% | 18 |
| Assets per employee ($millions) | 1.1948% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 5,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 76.8362% | 1,080 |
| Net loans and leases to deposits | 87.0142% | 1,724 |
| Net loans and leases to core deposits | 87.0142% | 2,432 |
| Total domestic deposits to total assets | 88.3030% | 1,659 |
| Equity capital to assets | 11.4668% | 2,497 |
| Core capital (leverage) ratio | 11.2405% | 2,199 |
| Tier 1 risk-based capital ratio | 24.9530% | 891 |
| Total risk-based capital ratio | 26.1748% | 875 |
| Memoranda: | ||
| Average total assets | $4,857,000 | 6,424 |
| Average earning assets | $4,207,000 | 6,409 |
| Average equity | $569,500 | 6,416 |
| Average total loans | $3,600,500 | 6,364 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 2,973 |
| Cost of funding earning assets | 0.3628% | 4,111 |
| Net interest margin | 3.8319% | 2,506 |
| Noninterest income to average assets | -0.6237% | 6,497 |
| Noninterest expense to average assets | 5.7267% | 209 |
| Loan and lease loss provision to assets | 0.0378% | 3,822 |
| Net operating income to assets | -3.1941% | 6,480 |
| Return on assets (ROA) | -3.1941% | 6,480 |
| Pretax return on assets | -3.1941% | 6,479 |
| Return on Equity (ROE) | -24.5854% | 6,458 |
| Retained earnings to average equity (ytd only) | -24.5854% | 6,449 |
| Net charge-offs to loans | 1.4362% | 175 |
| Credit loss provision to net charge-offs | 3.5714% | 4,171 |
| Earnings coverage of net charge-offs (x) | -2.9821% | 4,857 |
| Efficiency ratio | 222.7941% | 17 |
| Assets per employee ($millions) | 1.2338% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9442% | 5,311 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 70.1520% | 2,214 |
| Net loans and leases to deposits | 79.8432% | 2,738 |
| Net loans and leases to core deposits | 79.8432% | 3,313 |
| Total domestic deposits to total assets | 87.8622% | 1,843 |
| Equity capital to assets | 11.9757% | 2,033 |
| Core capital (leverage) ratio | 11.9757% | 1,638 |
| Tier 1 risk-based capital ratio | 29.2429% | 543 |
| Total risk-based capital ratio | 30.4800% | 534 |
| Memoranda: | ||
| Average total assets | $5,291,000 | 6,514 |
| Average earning assets | $4,410,400 | 6,500 |
| Average equity | $687,400 | 6,504 |
| Average total loans | $3,899,200 | 6,455 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 2,820 |
| Cost of funding earning assets | 0.3291% | 4,576 |
| Net interest margin | 3.9181% | 2,164 |
| Noninterest income to average assets | -0.8178% | 6,580 |
| Noninterest expense to average assets | 5.4770% | 232 |
| Loan and lease loss provision to assets | 0.0496% | 3,390 |
| Net operating income to assets | -3.0978% | 6,558 |
| Return on assets (ROA) | -3.0978% | 6,558 |
| Pretax return on assets | -3.0978% | 6,558 |
| Return on Equity (ROE) | -23.4238% | 6,524 |
| Retained earnings to average equity (ytd only) | -23.4238% | 6,508 |
| Net charge-offs to loans | 1.8664% | 114 |
| Credit loss provision to net charge-offs | 3.5714% | 3,771 |
| Earnings coverage of net charge-offs (x) | -2.1966% | 4,572 |
| Efficiency ratio | 225.5102% | 18 |
| Assets per employee ($millions) | 1.6910% | 6,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 5,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.0716% | 2,353 |
| Net loans and leases to deposits | 79.2222% | 2,820 |
| Net loans and leases to core deposits | 79.2222% | 3,408 |
| Total domestic deposits to total assets | 87.1871% | 2,210 |
| Equity capital to assets | 12.5172% | 1,685 |
| Core capital (leverage) ratio | 12.5172% | 1,394 |
| Tier 1 risk-based capital ratio | 30.9756% | 484 |
| Total risk-based capital ratio | 32.2439% | 478 |
| Memoranda: | ||
| Average total assets | $5,380,000 | 6,594 |
| Average earning assets | $4,457,750 | 6,579 |
| Average equity | $711,500 | 6,582 |
| Average total loans | $4,000,250 | 6,530 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 1,940 |
| Cost of funding earning assets | 0.3538% | 4,396 |
| Net interest margin | 4.1126% | 1,471 |
| Noninterest income to average assets | 0.0365% | 6,475 |
| Noninterest expense to average assets | 5.1073% | 290 |
| Loan and lease loss provision to assets | 0.0365% | 3,562 |
| Net operating income to assets | -1.7146% | 6,585 |
| Return on assets (ROA) | -1.7146% | 6,583 |
| Pretax return on assets | -1.7146% | 6,575 |
| Return on Equity (ROE) | -12.7544% | 6,536 |
| Retained earnings to average equity (ytd only) | -12.7544% | 6,467 |
| Net charge-offs to loans | 2.6958% | 70 |
| Credit loss provision to net charge-offs | 1.7857% | 3,386 |
| Earnings coverage of net charge-offs (x) | -0.8214% | 4,197 |
| Efficiency ratio | 148.9362% | 56 |
| Assets per employee ($millions) | 1.7993% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 5,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0378% | 1,560 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 65.6354% | 2,813 |
| Net loans and leases to deposits | 75.7861% | 3,083 |
| Net loans and leases to core deposits | 75.7861% | 3,646 |
| Total domestic deposits to total assets | 86.6062% | 2,695 |
| Equity capital to assets | 13.2086% | 1,266 |
| Core capital (leverage) ratio | 13.2086% | 1,083 |
| Tier 1 risk-based capital ratio | 30.0971% | 515 |
| Total risk-based capital ratio | 31.3634% | 509 |
| Memoranda: | ||
| Average total assets | $5,482,330 | 6,659 |
| Average earning assets | $4,522,670 | 6,645 |
| Average equity | $737,000 | 6,649 |
| Average total loans | $4,154,670 | 6,592 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,340 |
| Cost of funding earning assets | 0.4317% | 3,632 |
| Net interest margin | 4.2305% | 1,142 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 5.0683% | 309 |
| Loan and lease loss provision to assets | 0.0724% | 2,690 |
| Net operating income to assets | -1.5929% | 6,639 |
| Return on assets (ROA) | -1.5929% | 6,634 |
| Pretax return on assets | -1.5929% | 6,620 |
| Return on Equity (ROE) | -11.7490% | 6,582 |
| Retained earnings to average equity (ytd only) | -11.7490% | 6,410 |
| Net charge-offs to loans | 5.0399% | 23 |
| Credit loss provision to net charge-offs | 1.7857% | 2,674 |
| Earnings coverage of net charge-offs (x) | -0.3750% | 3,465 |
| Efficiency ratio | 142.8571% | 80 |
| Assets per employee ($millions) | 1.8077% | 6,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7289% | 6,232 |
| Loan loss allowance to noncurrent loans | 39.5062% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 1.4936% | 2,360 |
| Noncurrent loans to loans | 1.8451% | 2,075 |
| Net loans and leases to total assets | 80.3614% | 509 |
| Net loans and leases to deposits | 93.2193% | 855 |
| Net loans and leases to core deposits | 93.2193% | 1,618 |
| Total domestic deposits to total assets | 86.2069% | 3,252 |
| Equity capital to assets | 13.6087% | 1,074 |
| Core capital (leverage) ratio | 13.6087% | 942 |
| Tier 1 risk-based capital ratio | 28.9412% | 579 |
| Total risk-based capital ratio | 30.1961% | 566 |
| Memoranda: | ||
| Average total assets | $5,524,500 | 6,732 |
| Average earning assets | $4,633,000 | 6,718 |
| Average equity | $749,000 | 6,718 |
| Average total loans | $4,444,500 | 6,661 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 546 |
| Cost of funding earning assets | 0.4406% | 4,212 |
| Net interest margin | 4.8464% | 396 |
| Noninterest income to average assets | -0.3805% | 6,785 |
| Noninterest expense to average assets | 5.0676% | 334 |
| Loan and lease loss provision to assets | 0.0519% | 4,098 |
| Net operating income to assets | -1.3145% | 6,650 |
| Return on assets (ROA) | -1.3145% | 6,653 |
| Pretax return on assets | -1.3145% | 6,646 |
| Return on Equity (ROE) | -9.3804% | 6,578 |
| Retained earnings to average equity (ytd only) | -9.3804% | 6,526 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.1818% | 106 |
| Assets per employee ($millions) | 1.8753% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9338% | 1,700 |
| Loan loss allowance to noncurrent loans | 64.4444% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 2.3996% | 1,444 |
| Noncurrent loans to loans | 3.0007% | 1,149 |
| Net loans and leases to total assets | 78.4216% | 771 |
| Net loans and leases to deposits | 90.8193% | 1,175 |
| Net loans and leases to core deposits | 90.8193% | 1,925 |
| Total domestic deposits to total assets | 86.3491% | 3,080 |
| Equity capital to assets | 13.5087% | 1,063 |
| Core capital (leverage) ratio | 13.5087% | 953 |
| Tier 1 risk-based capital ratio | 29.5031% | 526 |
| Total risk-based capital ratio | 30.7842% | 515 |
| Memoranda: | ||
| Average total assets | $5,781,800 | 6,813 |
| Average earning assets | $4,993,400 | 6,798 |
| Average equity | $810,200 | 6,804 |
| Average total loans | $4,831,400 | 6,741 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 483 |
| Cost of funding earning assets | 0.4465% | 4,315 |
| Net interest margin | 4.9112% | 362 |
| Noninterest income to average assets | 0.0459% | 6,648 |
| Noninterest expense to average assets | 4.8102% | 391 |
| Loan and lease loss provision to assets | 0.0459% | 4,093 |
| Net operating income to assets | -0.5269% | 6,613 |
| Return on assets (ROA) | -0.5269% | 6,622 |
| Pretax return on assets | -0.5269% | 6,608 |
| Return on Equity (ROE) | -3.7277% | 6,558 |
| Retained earnings to average equity (ytd only) | -3.7277% | 6,419 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.1111% | 256 |
| Assets per employee ($millions) | 1.8823% | 6,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7353% | 2,503 |
| Loan loss allowance to noncurrent loans | 64.1791% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.3729% | 1,652 |
| Noncurrent loans to loans | 2.7038% | 1,562 |
| Net loans and leases to total assets | 86.2405% | 142 |
| Net loans and leases to deposits | 101.0793% | 425 |
| Net loans and leases to core deposits | 101.0793% | 1,048 |
| Total domestic deposits to total assets | 85.3196% | 3,576 |
| Equity capital to assets | 14.3970% | 853 |
| Core capital (leverage) ratio | 14.3970% | 762 |
| Tier 1 risk-based capital ratio | 27.9094% | 639 |
| Total risk-based capital ratio | 29.1795% | 628 |
| Memoranda: | ||
| Average total assets | $5,820,750 | 6,890 |
| Average earning assets | $5,076,750 | 6,876 |
| Average equity | $822,750 | 6,882 |
| Average total loans | $4,914,500 | 6,814 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4513% | 407 |
| Cost of funding earning assets | 0.4740% | 4,160 |
| Net interest margin | 4.9773% | 324 |
| Noninterest income to average assets | 0.0680% | 6,615 |
| Noninterest expense to average assets | 4.7970% | 418 |
| Loan and lease loss provision to assets | 0.0340% | 4,263 |
| Net operating income to assets | -0.4763% | 6,627 |
| Return on assets (ROA) | -0.4763% | 6,641 |
| Pretax return on assets | -0.4763% | 6,621 |
| Return on Equity (ROE) | -3.3898% | 6,595 |
| Retained earnings to average equity (ytd only) | -3.3898% | 6,348 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1563% | 274 |
| Assets per employee ($millions) | 1.9577% | 6,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7151% | 2,722 |
| Loan loss allowance to noncurrent loans | 25.6024% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 5.6530% | 512 |
| Noncurrent loans to loans | 6.6990% | 379 |
| Net loans and leases to total assets | 82.9389% | 296 |
| Net loans and leases to deposits | 96.6660% | 625 |
| Net loans and leases to core deposits | 96.6660% | 1,299 |
| Total domestic deposits to total assets | 85.7994% | 3,477 |
| Equity capital to assets | 13.9963% | 971 |
| Core capital (leverage) ratio | 13.9963% | 824 |
| Tier 1 risk-based capital ratio | 27.2637% | 671 |
| Total risk-based capital ratio | 28.5240% | 661 |
| Memoranda: | ||
| Average total assets | $5,878,670 | 6,939 |
| Average earning assets | $5,063,000 | 6,926 |
| Average equity | $826,000 | 6,931 |
| Average total loans | $4,900,670 | 6,864 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9250% | 1,018 |
| Cost of funding earning assets | 0.5561% | 3,508 |
| Net interest margin | 4.3690% | 848 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 4.7607% | 436 |
| Loan and lease loss provision to assets | 0.0680% | 3,499 |
| Net operating income to assets | -1.0882% | 6,831 |
| Return on assets (ROA) | -1.0882% | 6,840 |
| Pretax return on assets | -1.0882% | 6,824 |
| Return on Equity (ROE) | -7.7295% | 6,756 |
| Retained earnings to average equity (ytd only) | -7.7295% | 6,507 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.2727% | 167 |
| Assets per employee ($millions) | 1.9423% | 6,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 2,781 |
| Loan loss allowance to noncurrent loans | 26.1538% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 5.8692% | 551 |
| Noncurrent loans to loans | 6.7121% | 463 |
| Net loans and leases to total assets | 81.6372% | 296 |
| Net loans and leases to deposits | 95.2162% | 585 |
| Net loans and leases to core deposits | 95.2162% | 1,253 |
| Total domestic deposits to total assets | 85.7388% | 3,663 |
| Equity capital to assets | 14.0724% | 1,004 |
| Core capital (leverage) ratio | 14.0724% | 778 |
| Tier 1 risk-based capital ratio | 27.8533% | 650 |
| Total risk-based capital ratio | 29.0761% | 637 |
| Memoranda: | ||
| Average total assets | $5,881,500 | 7,018 |
| Average earning assets | $5,035,500 | 7,005 |
| Average equity | $828,000 | 7,002 |
| Average total loans | $4,873,000 | 6,936 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2889% | 944 |
| Cost of funding earning assets | 0.6781% | 3,663 |
| Net interest margin | 4.6108% | 769 |
| Noninterest income to average assets | 0.0337% | 6,738 |
| Noninterest expense to average assets | 4.8002% | 437 |
| Loan and lease loss provision to assets | 0.0505% | 5,184 |
| Net operating income to assets | -0.5066% | 6,570 |
| Return on assets (ROA) | -0.5390% | 6,621 |
| Pretax return on assets | -0.8590% | 6,693 |
| Return on Equity (ROE) | -3.7656% | 6,540 |
| Retained earnings to average equity (ytd only) | -3.7656% | 6,340 |
| Net charge-offs to loans | 0.2083% | 3,716 |
| Credit loss provision to net charge-offs | 30.0000% | 5,110 |
| Earnings coverage of net charge-offs (x) | -4.5000% | 5,901 |
| Efficiency ratio | 118.7500% | 223 |
| Assets per employee ($millions) | 1.9787% | 6,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 2,886 |
| Loan loss allowance to noncurrent loans | 25.3776% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 5.8625% | 599 |
| Noncurrent loans to loans | 6.7496% | 482 |
| Net loans and leases to total assets | 81.1995% | 384 |
| Net loans and leases to deposits | 94.6397% | 710 |
| Net loans and leases to core deposits | 94.6397% | 1,416 |
| Total domestic deposits to total assets | 85.7985% | 3,455 |
| Equity capital to assets | 14.0836% | 1,015 |
| Core capital (leverage) ratio | 14.0836% | 778 |
| Tier 1 risk-based capital ratio | 28.2815% | 608 |
| Total risk-based capital ratio | 29.5332% | 591 |
| Memoranda: | ||
| Average total assets | $5,937,200 | 7,083 |
| Average earning assets | $5,161,800 | 7,069 |
| Average equity | $849,800 | 7,070 |
| Average total loans | $4,800,000 | 7,007 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3995% | 839 |
| Cost of funding earning assets | 0.6942% | 3,822 |
| Net interest margin | 4.7052% | 669 |
| Noninterest income to average assets | 0.0224% | 6,885 |
| Noninterest expense to average assets | 4.5809% | 513 |
| Loan and lease loss provision to assets | 0.0450% | 5,211 |
| Net operating income to assets | -0.4940% | 6,698 |
| Return on assets (ROA) | -0.5613% | 6,752 |
| Pretax return on assets | -0.5613% | 6,729 |
| Return on Equity (ROE) | -3.9062% | 6,669 |
| Retained earnings to average equity (ytd only) | -3.9062% | 6,542 |
| Net charge-offs to loans | 0.2514% | 3,212 |
| Credit loss provision to net charge-offs | 22.2222% | 4,921 |
| Earnings coverage of net charge-offs (x) | -2.2225% | 5,658 |
| Efficiency ratio | 110.8696% | 292 |
| Assets per employee ($millions) | 2.0323% | 6,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 3,107 |
| Loan loss allowance to noncurrent loans | 24.9258% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 5.8061% | 713 |
| Noncurrent loans to loans | 6.8691% | 537 |
| Net loans and leases to total assets | 79.0881% | 591 |
| Net loans and leases to deposits | 92.1108% | 965 |
| Net loans and leases to core deposits | 92.1108% | 1,770 |
| Total domestic deposits to total assets | 85.8619% | 3,326 |
| Equity capital to assets | 13.8265% | 1,225 |
| Core capital (leverage) ratio | 13.8265% | 893 |
| Tier 1 risk-based capital ratio | 27.8494% | 670 |
| Total risk-based capital ratio | 29.1047% | 655 |
| Memoranda: | ||
| Average total assets | $5,937,500 | 7,179 |
| Average earning assets | $5,185,500 | 7,165 |
| Average equity | $853,250 | 7,169 |
| Average total loans | $4,774,000 | 7,100 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3978% | 871 |
| Cost of funding earning assets | 0.7274% | 3,790 |
| Net interest margin | 4.6705% | 715 |
| Noninterest income to average assets | 0.0340% | 6,911 |
| Noninterest expense to average assets | 4.6224% | 494 |
| Loan and lease loss provision to assets | 0.0340% | 5,245 |
| Net operating income to assets | -0.4758% | 6,721 |
| Return on assets (ROA) | -0.4758% | 6,763 |
| Pretax return on assets | -0.4758% | 6,736 |
| Return on Equity (ROE) | -3.2685% | 6,692 |
| Retained earnings to average equity (ytd only) | -3.2685% | 6,496 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5691% | 323 |
| Assets per employee ($millions) | 1.8680% | 7,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8810% | 2,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 5,611 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 85.6353% | 154 |
| Net loans and leases to deposits | 101.2447% | 371 |
| Net loans and leases to core deposits | 101.2447% | 1,024 |
| Total domestic deposits to total assets | 84.5824% | 4,060 |
| Equity capital to assets | 15.1677% | 741 |
| Core capital (leverage) ratio | 15.0856% | 587 |
| Tier 1 risk-based capital ratio | 28.5233% | 610 |
| Total risk-based capital ratio | 29.8045% | 592 |
| Memoranda: | ||
| Average total assets | $5,884,330 | 7,242 |
| Average earning assets | $5,224,330 | 7,227 |
| Average equity | $856,670 | 7,225 |
| Average total loans | $4,730,000 | 7,161 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1190% | 1,526 |
| Cost of funding earning assets | 0.8281% | 3,252 |
| Net interest margin | 4.2910% | 1,497 |
| Noninterest income to average assets | 0.0664% | 6,870 |
| Noninterest expense to average assets | 4.4485% | 574 |
| Loan and lease loss provision to assets | 0.0664% | 4,586 |
| Net operating income to assets | -0.6640% | 6,895 |
| Return on assets (ROA) | -0.6640% | 6,919 |
| Pretax return on assets | -0.6640% | 6,888 |
| Return on Equity (ROE) | -4.6512% | 6,837 |
| Retained earnings to average equity (ytd only) | -4.6512% | 6,554 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.5172% | 266 |
| Assets per employee ($millions) | 1.9867% | 7,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 2,560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 5,775 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 78.0705% | 584 |
| Net loans and leases to deposits | 91.4325% | 843 |
| Net loans and leases to core deposits | 91.4325% | 1,709 |
| Total domestic deposits to total assets | 85.3859% | 3,843 |
| Equity capital to assets | 14.3456% | 907 |
| Core capital (leverage) ratio | 14.3121% | 728 |
| Tier 1 risk-based capital ratio | 31.1655% | 482 |
| Total risk-based capital ratio | 32.4443% | 470 |
| Memoranda: | ||
| Average total assets | $6,024,500 | 7,304 |
| Average earning assets | $5,313,500 | 7,290 |
| Average equity | $860,000 | 7,288 |
| Average total loans | $4,649,500 | 7,225 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2841% | 1,755 |
| Cost of funding earning assets | 1.0933% | 2,714 |
| Net interest margin | 4.1908% | 2,094 |
| Noninterest income to average assets | 0.0484% | 6,839 |
| Noninterest expense to average assets | 4.3551% | 681 |
| Loan and lease loss provision to assets | 0.0323% | 6,161 |
| Net operating income to assets | -0.6291% | 6,565 |
| Return on assets (ROA) | -0.6291% | 6,607 |
| Pretax return on assets | -0.6291% | 6,567 |
| Return on Equity (ROE) | -4.4018% | 6,497 |
| Retained earnings to average equity (ytd only) | -4.4018% | 6,402 |
| Net charge-offs to loans | 0.1865% | 4,652 |
| Credit loss provision to net charge-offs | 22.2222% | 5,887 |
| Earnings coverage of net charge-offs (x) | -4.1111% | 6,354 |
| Efficiency ratio | 115.8798% | 346 |
| Assets per employee ($millions) | 2.0297% | 7,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9982% | 2,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4270% | 5,901 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 73.2961% | 1,388 |
| Net loans and leases to deposits | 85.5965% | 1,721 |
| Net loans and leases to core deposits | 85.5965% | 2,686 |
| Total domestic deposits to total assets | 85.6298% | 3,523 |
| Equity capital to assets | 14.2059% | 1,001 |
| Core capital (leverage) ratio | 14.2482% | 767 |
| Tier 1 risk-based capital ratio | 29.6448% | 534 |
| Total risk-based capital ratio | 30.9085% | 521 |
| Memoranda: | ||
| Average total assets | $6,199,600 | 7,353 |
| Average earning assets | $5,488,200 | 7,341 |
| Average equity | $886,000 | 7,337 |
| Average total loans | $4,825,800 | 7,273 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3037% | 1,841 |
| Cost of funding earning assets | 1.1520% | 2,624 |
| Net interest margin | 4.1517% | 2,275 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 4.2608% | 745 |
| Loan and lease loss provision to assets | 0.0429% | 5,903 |
| Net operating income to assets | -0.5995% | 6,697 |
| Return on assets (ROA) | -0.5995% | 6,739 |
| Pretax return on assets | -0.5995% | 6,678 |
| Return on Equity (ROE) | -4.1885% | 6,640 |
| Retained earnings to average equity (ytd only) | -4.1885% | 6,530 |
| Net charge-offs to loans | 0.2452% | 3,893 |
| Credit loss provision to net charge-offs | 22.2222% | 5,529 |
| Earnings coverage of net charge-offs (x) | -2.8892% | 6,056 |
| Efficiency ratio | 115.0289% | 358 |
| Assets per employee ($millions) | 2.0407% | 7,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8451% | 2,791 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 6,016 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 79.0755% | 599 |
| Net loans and leases to deposits | 92.6330% | 955 |
| Net loans and leases to core deposits | 92.6330% | 1,920 |
| Total domestic deposits to total assets | 85.3643% | 3,574 |
| Equity capital to assets | 14.3090% | 1,053 |
| Core capital (leverage) ratio | 14.3510% | 804 |
| Tier 1 risk-based capital ratio | 28.4374% | 625 |
| Total risk-based capital ratio | 29.6991% | 617 |
| Memoranda: | ||
| Average total assets | $6,227,250 | 7,432 |
| Average earning assets | $5,555,750 | 7,420 |
| Average equity | $891,250 | 7,413 |
| Average total loans | $4,893,750 | 7,343 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 1,742 |
| Cost of funding earning assets | 1.2269% | 2,399 |
| Net interest margin | 4.1138% | 2,358 |
| Noninterest income to average assets | 0.0639% | 6,983 |
| Noninterest expense to average assets | 4.1837% | 847 |
| Loan and lease loss provision to assets | 0.0319% | 5,911 |
| Net operating income to assets | -0.5110% | 6,700 |
| Return on assets (ROA) | -0.5110% | 6,727 |
| Pretax return on assets | -0.5110% | 6,665 |
| Return on Equity (ROE) | -3.5701% | 6,628 |
| Retained earnings to average equity (ytd only) | -3.5701% | 6,428 |
| Net charge-offs to loans | 0.3688% | 3,075 |
| Credit loss provision to net charge-offs | 11.1111% | 5,236 |
| Earnings coverage of net charge-offs (x) | -1.6667% | 5,697 |
| Efficiency ratio | 112.9310% | 426 |
| Assets per employee ($millions) | 2.0660% | 7,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 2,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1620% | 3,036 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 78.6383% | 692 |
| Net loans and leases to deposits | 92.0665% | 1,055 |
| Net loans and leases to core deposits | 92.0665% | 2,119 |
| Total domestic deposits to total assets | 85.4146% | 3,664 |
| Equity capital to assets | 14.3433% | 986 |
| Core capital (leverage) ratio | 14.3710% | 792 |
| Tier 1 risk-based capital ratio | 26.9022% | 734 |
| Total risk-based capital ratio | 28.1703% | 717 |
| Memoranda: | ||
| Average total assets | $6,262,330 | 7,508 |
| Average earning assets | $5,542,330 | 7,496 |
| Average equity | $896,330 | 7,488 |
| Average total loans | $4,881,000 | 7,417 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 1,632 |
| Cost of funding earning assets | 1.3093% | 2,125 |
| Net interest margin | 4.0735% | 2,373 |
| Noninterest income to average assets | 0.0635% | 7,075 |
| Noninterest expense to average assets | 4.2577% | 756 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.6355% | 6,887 |
| Return on assets (ROA) | -0.6355% | 6,892 |
| Pretax return on assets | -0.6355% | 6,835 |
| Return on Equity (ROE) | -4.4444% | 6,774 |
| Retained earnings to average equity (ytd only) | -4.4444% | 6,466 |
| Net charge-offs to loans | 0.7439% | 1,730 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.1111% | 4,906 |
| Efficiency ratio | 117.5439% | 373 |
| Assets per employee ($millions) | 2.1057% | 7,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8948% | 2,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1213% | 3,164 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 72.9460% | 1,525 |
| Net loans and leases to deposits | 85.2860% | 1,836 |
| Net loans and leases to core deposits | 85.2860% | 2,992 |
| Total domestic deposits to total assets | 85.5311% | 3,769 |
| Equity capital to assets | 14.1681% | 956 |
| Core capital (leverage) ratio | 14.1953% | 808 |
| Tier 1 risk-based capital ratio | 28.0488% | 630 |
| Total risk-based capital ratio | 29.3308% | 617 |
| Memoranda: | ||
| Average total assets | $6,294,500 | 7,567 |
| Average earning assets | $5,499,000 | 7,555 |
| Average equity | $900,000 | 7,544 |
| Average total loans | $4,839,500 | 7,475 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6101% | 1,857 |
| Cost of funding earning assets | 1.4727% | 2,806 |
| Net interest margin | 4.1374% | 2,420 |
| Noninterest income to average assets | 0.0960% | 6,914 |
| Noninterest expense to average assets | 3.3913% | 2,461 |
| Loan and lease loss provision to assets | 0.8318% | 1,979 |
| Net operating income to assets | -0.3519% | 6,266 |
| Return on assets (ROA) | -0.3519% | 6,292 |
| Pretax return on assets | -0.3519% | 6,199 |
| Return on Equity (ROE) | -2.3929% | 6,217 |
| Retained earnings to average equity (ytd only) | -2.3929% | 6,025 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6033% | 1,511 |
| Assets per employee ($millions) | 2.0907% | 7,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9671% | 2,385 |
| Loan loss allowance to noncurrent loans | 490.0000% | 653 |
| Noncurrent assets plus other real estate owned to assets | 2.5989% | 2,683 |
| Noncurrent loans to loans | 0.4014% | 6,244 |
| Net loans and leases to total assets | 77.8699% | 967 |
| Net loans and leases to deposits | 91.2045% | 1,369 |
| Net loans and leases to core deposits | 91.2045% | 2,590 |
| Total domestic deposits to total assets | 85.3795% | 3,677 |
| Equity capital to assets | 14.4292% | 921 |
| Core capital (leverage) ratio | 14.4019% | 767 |
| Tier 1 risk-based capital ratio | 27.5221% | 645 |
| Total risk-based capital ratio | 28.7717% | 630 |
| Memoranda: | ||
| Average total assets | $6,251,200 | 7,650 |
| Average earning assets | $5,704,000 | 7,638 |
| Average equity | $919,400 | 7,638 |
| Average total loans | $5,180,400 | 7,556 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6632% | 1,835 |
| Cost of funding earning assets | 1.5148% | 2,883 |
| Net interest margin | 4.1484% | 2,412 |
| Noninterest income to average assets | 0.0853% | 7,107 |
| Noninterest expense to average assets | 3.2020% | 2,923 |
| Loan and lease loss provision to assets | 1.1100% | 1,308 |
| Net operating income to assets | -0.4696% | 6,572 |
| Return on assets (ROA) | -0.4696% | 6,615 |
| Pretax return on assets | -0.4268% | 6,507 |
| Return on Equity (ROE) | -3.1777% | 6,512 |
| Retained earnings to average equity (ytd only) | -3.1777% | 6,376 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4176% | 2,015 |
| Assets per employee ($millions) | 2.0683% | 7,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9391% | 2,383 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3046% | 3,074 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 79.8711% | 774 |
| Net loans and leases to deposits | 93.8814% | 1,215 |
| Net loans and leases to core deposits | 93.8814% | 2,539 |
| Total domestic deposits to total assets | 85.0766% | 3,587 |
| Equity capital to assets | 14.5528% | 1,006 |
| Core capital (leverage) ratio | 14.5941% | 798 |
| Tier 1 risk-based capital ratio | 27.5464% | 656 |
| Total risk-based capital ratio | 28.8234% | 647 |
| Memoranda: | ||
| Average total assets | $6,246,000 | 7,753 |
| Average earning assets | $5,721,000 | 7,741 |
| Average equity | $923,000 | 7,739 |
| Average total loans | $5,230,000 | 7,649 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7130% | 1,715 |
| Cost of funding earning assets | 1.6024% | 2,640 |
| Net interest margin | 4.1105% | 2,508 |
| Noninterest income to average assets | 0.0639% | 7,266 |
| Noninterest expense to average assets | 3.3229% | 2,490 |
| Loan and lease loss provision to assets | 0.5112% | 2,756 |
| Net operating income to assets | -0.0639% | 6,176 |
| Return on assets (ROA) | -0.0639% | 6,264 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | -0.4303% | 6,242 |
| Retained earnings to average equity (ytd only) | -0.4303% | 5,833 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6667% | 1,635 |
| Assets per employee ($millions) | 2.1123% | 7,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 1,909 |
| Loan loss allowance to noncurrent loans | 113.2653% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 4.5763% | 1,436 |
| Noncurrent loans to loans | 1.8799% | 3,894 |
| Net loans and leases to total assets | 80.5113% | 726 |
| Net loans and leases to deposits | 94.5515% | 1,204 |
| Net loans and leases to core deposits | 94.5515% | 2,639 |
| Total domestic deposits to total assets | 85.1507% | 3,546 |
| Equity capital to assets | 14.5968% | 984 |
| Core capital (leverage) ratio | 14.6238% | 798 |
| Tier 1 risk-based capital ratio | 26.4933% | 733 |
| Total risk-based capital ratio | 27.7222% | 727 |
| Memoranda: | ||
| Average total assets | $6,259,670 | 7,823 |
| Average earning assets | $5,741,330 | 7,810 |
| Average equity | $929,670 | 7,806 |
| Average total loans | $5,288,670 | 7,713 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9907% | 998 |
| Cost of funding earning assets | 1.6526% | 2,631 |
| Net interest margin | 4.3381% | 1,572 |
| Noninterest income to average assets | 0.1286% | 7,040 |
| Noninterest expense to average assets | 3.4078% | 2,210 |
| Loan and lease loss provision to assets | 0.5144% | 2,441 |
| Net operating income to assets | 0.1286% | 5,934 |
| Return on assets (ROA) | 0.1286% | 6,056 |
| Pretax return on assets | 0.2572% | 5,728 |
| Return on Equity (ROE) | 0.8584% | 6,157 |
| Retained earnings to average equity (ytd only) | 0.8584% | 5,468 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5385% | 2,345 |
| Assets per employee ($millions) | 2.1053% | 7,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 2,399 |
| Loan loss allowance to noncurrent loans | 36.2676% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 4.5757% | 1,470 |
| Noncurrent loans to loans | 5.2788% | 1,341 |
| Net loans and leases to total assets | 83.5497% | 418 |
| Net loans and leases to deposits | 98.3597% | 875 |
| Net loans and leases to core deposits | 98.3597% | 2,307 |
| Total domestic deposits to total assets | 84.9430% | 3,702 |
| Equity capital to assets | 14.7720% | 934 |
| Core capital (leverage) ratio | 14.7450% | 802 |
| Tier 1 risk-based capital ratio | 27.4469% | 678 |
| Total risk-based capital ratio | 28.7146% | 662 |
| Memoranda: | ||
| Average total assets | $6,221,000 | 7,926 |
| Average earning assets | $5,809,000 | 7,911 |
| Average equity | $932,000 | 7,897 |
| Average total loans | $5,326,500 | 7,815 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5603% | 3,815 |
| Cost of funding earning assets | 2.2044% | 2,012 |
| Net interest margin | 3.3559% | 5,537 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 3.2956% | 3,022 |
| Loan and lease loss provision to assets | 1.4308% | 1,606 |
| Net operating income to assets | -1.4469% | 6,829 |
| Return on assets (ROA) | -1.4469% | 6,836 |
| Pretax return on assets | -1.4469% | 6,668 |
| Return on Equity (ROE) | -9.1075% | 6,544 |
| Retained earnings to average equity (ytd only) | -9.1075% | 6,437 |
| Net charge-offs to loans | 0.8579% | 2,682 |
| Credit loss provision to net charge-offs | 202.2727% | 1,920 |
| Earnings coverage of net charge-offs (x) | -0.0227% | 6,232 |
| Efficiency ratio | 100.4902% | 1,076 |
| Assets per employee ($millions) | 2.0420% | 7,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8016% | 2,541 |
| Loan loss allowance to noncurrent loans | 137.6812% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 1.2080% | 4,684 |
| Noncurrent loans to loans | 1.3086% | 4,735 |
| Net loans and leases to total assets | 84.5250% | 392 |
| Net loans and leases to deposits | 99.8843% | 916 |
| Net loans and leases to core deposits | 125.2843% | 1,567 |
| Total domestic deposits to total assets | 84.6229% | 3,746 |
| Equity capital to assets | 15.1975% | 870 |
| Core capital (leverage) ratio | 15.1862% | 743 |
| Tier 1 risk-based capital ratio | 31.4614% | 461 |
| Total risk-based capital ratio | 32.7470% | 453 |
| Memoranda: | ||
| Average total assets | $6,220,400 | 8,005 |
| Average earning assets | $6,078,800 | 7,989 |
| Average equity | $988,200 | 7,980 |
| Average total loans | $5,129,000 | 7,888 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7342% | 3,170 |
| Cost of funding earning assets | 2.2457% | 2,204 |
| Net interest margin | 3.4885% | 4,904 |
| Noninterest income to average assets | -0.0213% | 7,872 |
| Noninterest expense to average assets | 3.1603% | 3,435 |
| Loan and lease loss provision to assets | 1.2172% | 1,592 |
| Net operating income to assets | -0.9822% | 6,818 |
| Return on assets (ROA) | -0.9822% | 6,828 |
| Pretax return on assets | -0.9822% | 6,674 |
| Return on Equity (ROE) | -6.1177% | 6,568 |
| Retained earnings to average equity (ytd only) | -6.1177% | 6,401 |
| Net charge-offs to loans | 1.1520% | 1,756 |
| Credit loss provision to net charge-offs | 129.5455% | 3,870 |
| Earnings coverage of net charge-offs (x) | 0.2500% | 5,767 |
| Efficiency ratio | 93.0818% | 1,460 |
| Assets per employee ($millions) | 2.1060% | 7,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 5,036 |
| Loan loss allowance to noncurrent loans | 88.4058% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.1713% | 4,729 |
| Noncurrent loans to loans | 1.3731% | 4,621 |
| Net loans and leases to total assets | 78.5692% | 1,468 |
| Net loans and leases to deposits | 93.2907% | 1,999 |
| Net loans and leases to core deposits | 119.5281% | 2,287 |
| Total domestic deposits to total assets | 84.2197% | 3,615 |
| Equity capital to assets | 15.4638% | 895 |
| Core capital (leverage) ratio | 15.4260% | 779 |
| Tier 1 risk-based capital ratio | 33.3447% | 428 |
| Total risk-based capital ratio | 34.5772% | 415 |
| Memoranda: | ||
| Average total assets | $6,244,000 | 8,090 |
| Average earning assets | $6,115,250 | 8,074 |
| Average equity | $1,002,500 | 8,064 |
| Average total loans | $5,093,000 | 7,965 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8409% | 2,844 |
| Cost of funding earning assets | 2.2970% | 2,366 |
| Net interest margin | 3.5439% | 4,597 |
| Noninterest income to average assets | -0.1608% | 8,054 |
| Noninterest expense to average assets | 3.0871% | 3,753 |
| Loan and lease loss provision to assets | 0.7718% | 2,146 |
| Net operating income to assets | -0.5467% | 6,594 |
| Return on assets (ROA) | -0.5467% | 6,601 |
| Pretax return on assets | -0.5467% | 6,472 |
| Return on Equity (ROE) | -3.3630% | 6,403 |
| Retained earnings to average equity (ytd only) | -3.3630% | 6,026 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2039% | 1,553 |
| Assets per employee ($millions) | 2.1163% | 7,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 3,685 |
| Loan loss allowance to noncurrent loans | 104.3478% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0868% | 4,784 |
| Noncurrent loans to loans | 1.3487% | 4,515 |
| Net loans and leases to total assets | 79.4456% | 1,416 |
| Net loans and leases to deposits | 94.5632% | 2,009 |
| Net loans and leases to core deposits | 124.6355% | 1,971 |
| Total domestic deposits to total assets | 84.0132% | 3,762 |
| Equity capital to assets | 15.7978% | 866 |
| Core capital (leverage) ratio | 15.8243% | 766 |
| Tier 1 risk-based capital ratio | 34.1488% | 442 |
| Total risk-based capital ratio | 35.4060% | 435 |
| Memoranda: | ||
| Average total assets | $6,219,330 | 8,185 |
| Average earning assets | $6,095,000 | 8,169 |
| Average equity | $1,011,000 | 8,155 |
| Average total loans | $5,115,670 | 8,054 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0541% | 2,133 |
| Cost of funding earning assets | 2.3285% | 2,585 |
| Net interest margin | 3.7256% | 3,779 |
| Noninterest income to average assets | 0.1950% | 6,902 |
| Noninterest expense to average assets | 3.0547% | 3,538 |
| Loan and lease loss provision to assets | 1.1699% | 1,110 |
| Net operating income to assets | -0.3900% | 6,772 |
| Return on assets (ROA) | -0.3900% | 6,850 |
| Pretax return on assets | -0.3900% | 6,738 |
| Return on Equity (ROE) | -2.3645% | 6,707 |
| Retained earnings to average equity (ytd only) | -2.3645% | 6,167 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6610% | 2,868 |
| Assets per employee ($millions) | 2.0600% | 7,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 4,098 |
| Loan loss allowance to noncurrent loans | 95.6522% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.5372% | 3,632 |
| Noncurrent loans to loans | 1.3564% | 4,280 |
| Net loans and leases to total assets | 81.2460% | 1,141 |
| Net loans and leases to deposits | 97.4762% | 1,741 |
| Net loans and leases to core deposits | 126.3781% | 1,895 |
| Total domestic deposits to total assets | 83.3495% | 3,979 |
| Equity capital to assets | 16.3592% | 816 |
| Core capital (leverage) ratio | 16.4051% | 727 |
| Tier 1 risk-based capital ratio | 34.6548% | 451 |
| Total risk-based capital ratio | 35.8852% | 435 |
| Memoranda: | ||
| Average total assets | $6,154,500 | 8,235 |
| Average earning assets | $6,012,500 | 8,219 |
| Average equity | $1,015,000 | 8,208 |
| Average total loans | $5,115,500 | 8,106 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4841% | 3,037 |
| Cost of funding earning assets | 2.9752% | 1,962 |
| Net interest margin | 3.5088% | 5,271 |
| Noninterest income to average assets | 0.2528% | 6,643 |
| Noninterest expense to average assets | 3.0967% | 3,702 |
| Loan and lease loss provision to assets | 0.1580% | 5,349 |
| Net operating income to assets | 0.3476% | 5,362 |
| Return on assets (ROA) | 0.3476% | 5,176 |
| Pretax return on assets | 0.4266% | 5,185 |
| Return on Equity (ROE) | 2.0611% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.0611% | 3,954 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1202% | 2,042 |
| Assets per employee ($millions) | 2.0430% | 7,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 6,490 |
| Loan loss allowance to noncurrent loans | 50.5263% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 1.5500% | 3,124 |
| Noncurrent loans to loans | 1.8468% | 2,991 |
| Net loans and leases to total assets | 83.1457% | 1,021 |
| Net loans and leases to deposits | 100.2163% | 1,814 |
| Net loans and leases to core deposits | 141.1243% | 1,206 |
| Total domestic deposits to total assets | 82.9662% | 3,784 |
| Equity capital to assets | 16.6259% | 822 |
| Core capital (leverage) ratio | 16.6395% | 741 |
| Tier 1 risk-based capital ratio | 34.6821% | 457 |
| Total risk-based capital ratio | 35.9062% | 446 |
| Memoranda: | ||
| Average total assets | $6,329,400 | 8,289 |
| Average earning assets | $6,184,400 | 8,274 |
| Average equity | $1,067,400 | 8,267 |
| Average total loans | $4,998,200 | 8,162 |