Home > AnchorBank, fsb > Performance and Condition Ratios
AnchorBank, fsb, Performance and Condition Ratios
| 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 | 3.6827% | 4,380 |
| Cost of funding earning assets | 0.2373% | 4,833 |
| Net interest margin | 3.4454% | 3,687 |
| Noninterest income to average assets | 1.0776% | 928 |
| Noninterest expense to average assets | 3.4649% | 1,248 |
| Loan and lease loss provision to assets | -0.6774% | 6,096 |
| Net operating income to assets | 0.8312% | 3,090 |
| Return on assets (ROA) | 0.9265% | 2,724 |
| Pretax return on assets | 1.5468% | 1,448 |
| Return on Equity (ROE) | 6.0865% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.0865% | 2,340 |
| Net charge-offs to loans | -0.4634% | 5,986 |
| Credit loss provision to net charge-offs | 194.9022% | 1,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7846% | 1,282 |
| Assets per employee ($millions) | 4.1151% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 2,567 |
| Loan loss allowance to noncurrent loans | 141.3992% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.6228% | 1,220 |
| Noncurrent loans to loans | 0.9683% | 2,440 |
| Net loans and leases to total assets | 75.4073% | 1,487 |
| Net loans and leases to deposits | 91.2964% | 1,428 |
| Net loans and leases to core deposits | 91.6400% | 2,220 |
| Total domestic deposits to total assets | 82.5962% | 4,038 |
| Equity capital to assets | 15.4635% | 607 |
| Core capital (leverage) ratio | 12.8231% | 1,226 |
| Tier 1 risk-based capital ratio | 17.3934% | 2,153 |
| Total risk-based capital ratio | 18.6687% | 2,114 |
| Memoranda: | ||
| Average total assets | $2,235,012,500 | 364 |
| Average earning assets | $2,016,004,500 | 369 |
| Average equity | $340,228,500 | 286 |
| Average total loans | $1,676,254,500 | 343 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7031% | 4,359 |
| Cost of funding earning assets | 0.2251% | 5,046 |
| Net interest margin | 3.4780% | 3,604 |
| Noninterest income to average assets | 1.6859% | 463 |
| Noninterest expense to average assets | 3.8924% | 767 |
| Loan and lease loss provision to assets | -1.3591% | 6,180 |
| Net operating income to assets | 6.1168% | 33 |
| Return on assets (ROA) | 6.1197% | 32 |
| Pretax return on assets | 2.3207% | 284 |
| Return on Equity (ROE) | 46.0171% | 15 |
| Retained earnings to average equity (ytd only) | 41.8591% | 9 |
| Net charge-offs to loans | -0.4793% | 6,080 |
| Credit loss provision to net charge-offs | 387.7991% | 778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2386% | 1,639 |
| Assets per employee ($millions) | 4.2255% | 3,528 |
| Cash dividends to net income (ytd only)* | 9.0356% | 4,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 1,884 |
| Loan loss allowance to noncurrent loans | 117.0009% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.8658% | 993 |
| Noncurrent loans to loans | 1.3023% | 1,811 |
| Net loans and leases to total assets | 72.4360% | 1,975 |
| Net loans and leases to deposits | 87.1526% | 1,983 |
| Net loans and leases to core deposits | 87.4864% | 2,652 |
| Total domestic deposits to total assets | 83.1140% | 3,805 |
| Equity capital to assets | 14.9837% | 669 |
| Core capital (leverage) ratio | 12.3478% | 1,427 |
| Tier 1 risk-based capital ratio | 17.0434% | 2,267 |
| Total risk-based capital ratio | 18.3319% | 2,208 |
| Memoranda: | ||
| Average total assets | $2,170,181,600 | 362 |
| Average earning assets | $1,974,926,000 | 361 |
| Average equity | $288,606,000 | 310 |
| Average total loans | $1,586,742,800 | 337 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 4,358 |
| Cost of funding earning assets | 0.2231% | 5,152 |
| Net interest margin | 3.4985% | 3,541 |
| Noninterest income to average assets | 1.7716% | 425 |
| Noninterest expense to average assets | 4.1257% | 575 |
| Loan and lease loss provision to assets | -1.5125% | 6,266 |
| Net operating income to assets | 7.6615% | 26 |
| Return on assets (ROA) | 7.6654% | 26 |
| Pretax return on assets | 2.3576% | 311 |
| Return on Equity (ROE) | 59.6091% | 10 |
| Retained earnings to average equity (ytd only) | 59.6091% | 3 |
| Net charge-offs to loans | -0.5855% | 6,174 |
| Credit loss provision to net charge-offs | 353.8707% | 832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0639% | 1,261 |
| Assets per employee ($millions) | 4.2266% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8956% | 1,083 |
| Loan loss allowance to noncurrent loans | 140.2946% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 2.0459% | 987 |
| Noncurrent loans to loans | 1.3511% | 1,897 |
| Net loans and leases to total assets | 68.4723% | 2,608 |
| Net loans and leases to deposits | 82.9328% | 2,536 |
| Net loans and leases to core deposits | 83.2538% | 3,126 |
| Total domestic deposits to total assets | 82.5636% | 3,962 |
| Equity capital to assets | 15.2995% | 680 |
| Core capital (leverage) ratio | 12.7396% | 1,300 |
| Tier 1 risk-based capital ratio | 18.6308% | 1,870 |
| Total risk-based capital ratio | 19.9277% | 1,818 |
| Memoranda: | ||
| Average total assets | $2,151,792,500 | 368 |
| Average earning assets | $1,965,261,000 | 366 |
| Average equity | $276,709,000 | 328 |
| Average total loans | $1,570,823,250 | 344 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 4,250 |
| Cost of funding earning assets | 0.2207% | 5,246 |
| Net interest margin | 3.5258% | 3,387 |
| Noninterest income to average assets | 1.8771% | 404 |
| Noninterest expense to average assets | 4.2179% | 534 |
| Loan and lease loss provision to assets | -0.1882% | 6,175 |
| Net operating income to assets | 10.1412% | 21 |
| Return on assets (ROA) | 10.1471% | 21 |
| Pretax return on assets | 1.0886% | 3,223 |
| Return on Equity (ROE) | 84.5216% | 7 |
| Retained earnings to average equity (ytd only) | 84.5216% | 2 |
| Net charge-offs to loans | -0.2539% | 6,083 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5046% | 1,429 |
| Assets per employee ($millions) | 3.5878% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9731% | 274 |
| Loan loss allowance to noncurrent loans | 183.0875% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 2.4074% | 805 |
| Noncurrent loans to loans | 1.6239% | 1,610 |
| Net loans and leases to total assets | 69.7960% | 2,343 |
| Net loans and leases to deposits | 83.6824% | 2,348 |
| Net loans and leases to core deposits | 83.9772% | 2,985 |
| Total domestic deposits to total assets | 83.4058% | 3,789 |
| Equity capital to assets | 14.7405% | 758 |
| Core capital (leverage) ratio | 12.0295% | 1,646 |
| Tier 1 risk-based capital ratio | 18.2601% | 1,995 |
| Total risk-based capital ratio | 19.5783% | 1,938 |
| Memoranda: | ||
| Average total assets | $2,125,172,670 | 372 |
| Average earning assets | $1,950,005,670 | 369 |
| Average equity | $255,134,670 | 348 |
| Average total loans | $1,575,234,670 | 345 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7112% | 4,323 |
| Cost of funding earning assets | 0.2126% | 5,392 |
| Net interest margin | 3.4986% | 3,442 |
| Noninterest income to average assets | 1.8260% | 411 |
| Noninterest expense to average assets | 4.1104% | 613 |
| Loan and lease loss provision to assets | -0.2594% | 6,293 |
| Net operating income to assets | 1.2226% | 1,483 |
| Return on assets (ROA) | 1.2346% | 1,536 |
| Pretax return on assets | 1.2407% | 2,510 |
| Return on Equity (ROE) | 11.6860% | 1,430 |
| Retained earnings to average equity (ytd only) | 11.6860% | 612 |
| Net charge-offs to loans | -0.3446% | 6,177 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9179% | 1,767 |
| Assets per employee ($millions) | 3.3450% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0045% | 295 |
| Loan loss allowance to noncurrent loans | 139.2163% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 3.0764% | 599 |
| Noncurrent loans to loans | 2.1581% | 1,184 |
| Net loans and leases to total assets | 72.5196% | 1,730 |
| Net loans and leases to deposits | 82.8332% | 2,229 |
| Net loans and leases to core deposits | 83.1756% | 2,850 |
| Total domestic deposits to total assets | 87.5490% | 2,073 |
| Equity capital to assets | 10.7540% | 3,256 |
| Core capital (leverage) ratio | 10.8500% | 2,572 |
| Tier 1 risk-based capital ratio | 15.0650% | 3,398 |
| Total risk-based capital ratio | 16.3407% | 3,301 |
| Memoranda: | ||
| Average total assets | $2,088,093,000 | 374 |
| Average earning assets | $1,941,897,000 | 365 |
| Average equity | $220,606,000 | 390 |
| Average total loans | $1,571,811,000 | 341 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 4,163 |
| Cost of funding earning assets | 0.2247% | 5,562 |
| Net interest margin | 3.6643% | 3,151 |
| Noninterest income to average assets | 1.1457% | 922 |
| Noninterest expense to average assets | 4.0374% | 723 |
| Loan and lease loss provision to assets | -0.2178% | 6,303 |
| Net operating income to assets | 0.6962% | 3,910 |
| Return on assets (ROA) | 0.7286% | 3,854 |
| Pretax return on assets | 0.7290% | 4,515 |
| Return on Equity (ROE) | 7.4570% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.4570% | 1,211 |
| Net charge-offs to loans | 0.8600% | 387 |
| Credit loss provision to net charge-offs | -33.8127% | 5,386 |
| Earnings coverage of net charge-offs (x) | 0.7435% | 4,574 |
| Efficiency ratio | 89.3974% | 886 |
| Assets per employee ($millions) | 3.1790% | 5,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9807% | 305 |
| Loan loss allowance to noncurrent loans | 104.6732% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 3.8626% | 446 |
| Noncurrent loans to loans | 2.8476% | 811 |
| Net loans and leases to total assets | 73.5279% | 1,663 |
| Net loans and leases to deposits | 83.8068% | 2,237 |
| Net loans and leases to core deposits | 84.1459% | 2,887 |
| Total domestic deposits to total assets | 87.7350% | 1,905 |
| Equity capital to assets | 10.3749% | 3,635 |
| Core capital (leverage) ratio | 10.4260% | 3,030 |
| Tier 1 risk-based capital ratio | 16.9711% | 2,528 |
| Total risk-based capital ratio | 18.2536% | 2,468 |
| Memoranda: | ||
| Average total assets | $2,105,521,400 | 360 |
| Average earning assets | $1,936,664,000 | 353 |
| Average equity | $205,727,400 | 394 |
| Average total loans | $1,576,686,000 | 321 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 4,151 |
| Cost of funding earning assets | 0.2269% | 5,620 |
| Net interest margin | 3.6804% | 3,102 |
| Noninterest income to average assets | 1.1404% | 925 |
| Noninterest expense to average assets | 4.0210% | 736 |
| Loan and lease loss provision to assets | -0.0824% | 6,246 |
| Net operating income to assets | 0.5817% | 4,530 |
| Return on assets (ROA) | 0.6271% | 4,420 |
| Pretax return on assets | 0.6276% | 4,937 |
| Return on Equity (ROE) | 6.5171% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.5171% | 2,092 |
| Net charge-offs to loans | 1.4244% | 175 |
| Credit loss provision to net charge-offs | -7.7494% | 5,234 |
| Earnings coverage of net charge-offs (x) | 0.4700% | 4,378 |
| Efficiency ratio | 88.9451% | 928 |
| Assets per employee ($millions) | 3.1510% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0128% | 358 |
| Loan loss allowance to noncurrent loans | 97.7149% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 4.5068% | 400 |
| Noncurrent loans to loans | 3.0833% | 851 |
| Net loans and leases to total assets | 71.9362% | 1,863 |
| Net loans and leases to deposits | 81.1927% | 2,522 |
| Net loans and leases to core deposits | 81.5647% | 3,143 |
| Total domestic deposits to total assets | 88.5994% | 1,451 |
| Equity capital to assets | 9.9332% | 4,253 |
| Core capital (leverage) ratio | 10.0742% | 3,566 |
| Tier 1 risk-based capital ratio | 16.6765% | 2,733 |
| Total risk-based capital ratio | 17.9598% | 2,676 |
| Memoranda: | ||
| Average total assets | $2,111,340,250 | 354 |
| Average earning assets | $1,939,203,250 | 344 |
| Average equity | $203,151,750 | 395 |
| Average total loans | $1,576,340,500 | 316 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 3,919 |
| Cost of funding earning assets | 0.2319% | 5,649 |
| Net interest margin | 3.7214% | 2,872 |
| Noninterest income to average assets | 1.1405% | 905 |
| Noninterest expense to average assets | 4.1296% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4176% | 5,147 |
| Return on assets (ROA) | 0.4429% | 5,119 |
| Pretax return on assets | 0.4436% | 5,441 |
| Return on Equity (ROE) | 4.6527% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.6527% | 3,184 |
| Net charge-offs to loans | 2.0244% | 111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.2762% | 4,080 |
| Efficiency ratio | 90.8011% | 847 |
| Assets per employee ($millions) | 3.1220% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1494% | 323 |
| Loan loss allowance to noncurrent loans | 95.2653% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 5.0848% | 347 |
| Noncurrent loans to loans | 3.3059% | 839 |
| Net loans and leases to total assets | 71.3377% | 1,856 |
| Net loans and leases to deposits | 80.3938% | 2,463 |
| Net loans and leases to core deposits | 80.8042% | 3,115 |
| Total domestic deposits to total assets | 88.7353% | 1,511 |
| Equity capital to assets | 9.7142% | 4,470 |
| Core capital (leverage) ratio | 9.7461% | 3,971 |
| Tier 1 risk-based capital ratio | 16.1167% | 3,028 |
| Total risk-based capital ratio | 17.4040% | 2,953 |
| Memoranda: | ||
| Average total assets | $2,113,489,330 | 349 |
| Average earning assets | $1,935,182,330 | 340 |
| Average equity | $201,174,330 | 396 |
| Average total loans | $1,581,381,330 | 310 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 3,615 |
| Cost of funding earning assets | 0.2382% | 5,688 |
| Net interest margin | 3.7782% | 2,561 |
| Noninterest income to average assets | 1.1043% | 913 |
| Noninterest expense to average assets | 4.2177% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3416% | 5,350 |
| Return on assets (ROA) | 0.3946% | 5,210 |
| Pretax return on assets | 0.3946% | 5,476 |
| Return on Equity (ROE) | 4.1891% | 4,933 |
| Retained earnings to average equity (ytd only) | 4.1891% | 3,611 |
| Net charge-offs to loans | 2.9371% | 67 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1542% | 3,407 |
| Efficiency ratio | 92.5085% | 846 |
| Assets per employee ($millions) | 3.1102% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4071% | 289 |
| Loan loss allowance to noncurrent loans | 107.3310% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 5.3105% | 367 |
| Noncurrent loans to loans | 3.1744% | 969 |
| Net loans and leases to total assets | 71.9242% | 1,588 |
| Net loans and leases to deposits | 80.8319% | 2,184 |
| Net loans and leases to core deposits | 81.2561% | 2,819 |
| Total domestic deposits to total assets | 88.9799% | 1,676 |
| Equity capital to assets | 9.5382% | 4,448 |
| Core capital (leverage) ratio | 9.6941% | 4,004 |
| Tier 1 risk-based capital ratio | 16.1416% | 3,095 |
| Total risk-based capital ratio | 17.4332% | 3,028 |
| Memoranda: | ||
| Average total assets | $2,110,329,500 | 351 |
| Average earning assets | $1,929,824,500 | 344 |
| Average equity | $198,800,500 | 400 |
| Average total loans | $1,591,373,500 | 306 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 3,876 |
| Cost of funding earning assets | 0.4955% | 3,658 |
| Net interest margin | 3.5668% | 3,612 |
| Noninterest income to average assets | 1.2184% | 948 |
| Noninterest expense to average assets | 5.4412% | 257 |
| Loan and lease loss provision to assets | 0.0416% | 4,281 |
| Net operating income to assets | 0.1934% | 5,837 |
| Return on assets (ROA) | 0.1930% | 5,906 |
| Pretax return on assets | -1.0234% | 6,595 |
| Return on Equity (ROE) | 3.0133% | 5,504 |
| Retained earnings to average equity (ytd only) | 3.0133% | 4,090 |
| Net charge-offs to loans | 1.1332% | 485 |
| Credit loss provision to net charge-offs | 4.8694% | 4,651 |
| Earnings coverage of net charge-offs (x) | -1.1483% | 5,271 |
| Efficiency ratio | 121.9984% | 163 |
| Assets per employee ($millions) | 3.0476% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0421% | 200 |
| Loan loss allowance to noncurrent loans | 81.9755% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 6.7697% | 253 |
| Noncurrent loans to loans | 4.9308% | 519 |
| Net loans and leases to total assets | 73.2686% | 1,478 |
| Net loans and leases to deposits | 82.2294% | 2,157 |
| Net loans and leases to core deposits | 82.6850% | 2,814 |
| Total domestic deposits to total assets | 89.1027% | 1,553 |
| Equity capital to assets | 9.3027% | 4,689 |
| Core capital (leverage) ratio | 9.5994% | 4,114 |
| Tier 1 risk-based capital ratio | 15.7728% | 3,213 |
| Total risk-based capital ratio | 17.0747% | 3,141 |
| Memoranda: | ||
| Average total assets | $2,285,702,600 | 315 |
| Average earning assets | $2,077,358,200 | 312 |
| Average equity | $146,383,600 | 498 |
| Average total loans | $1,723,374,800 | 279 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0572% | 3,906 |
| Cost of funding earning assets | 0.5660% | 3,114 |
| Net interest margin | 3.4912% | 3,916 |
| Noninterest income to average assets | 1.1388% | 1,127 |
| Noninterest expense to average assets | 5.8079% | 221 |
| Loan and lease loss provision to assets | 0.0544% | 3,946 |
| Net operating income to assets | 0.0446% | 6,226 |
| Return on assets (ROA) | 0.0342% | 6,301 |
| Pretax return on assets | -1.5687% | 6,760 |
| Return on Equity (ROE) | 0.5956% | 6,252 |
| Retained earnings to average equity (ytd only) | 0.5956% | 5,729 |
| Net charge-offs to loans | 0.9791% | 590 |
| Credit loss provision to net charge-offs | 7.3956% | 4,252 |
| Earnings coverage of net charge-offs (x) | -2.0351% | 5,081 |
| Efficiency ratio | 134.7581% | 109 |
| Assets per employee ($millions) | 3.1435% | 5,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3312% | 187 |
| Loan loss allowance to noncurrent loans | 67.4132% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 7.8724% | 229 |
| Noncurrent loans to loans | 6.4248% | 360 |
| Net loans and leases to total assets | 72.4384% | 1,538 |
| Net loans and leases to deposits | 81.2512% | 2,236 |
| Net loans and leases to core deposits | 81.6809% | 2,912 |
| Total domestic deposits to total assets | 89.1536% | 1,478 |
| Equity capital to assets | 8.9087% | 5,293 |
| Core capital (leverage) ratio | 9.0569% | 5,036 |
| Tier 1 risk-based capital ratio | 14.9912% | 3,760 |
| Total risk-based capital ratio | 16.2973% | 3,677 |
| Memoranda: | ||
| Average total assets | $2,329,137,500 | 313 |
| Average earning assets | $2,115,533,750 | 310 |
| Average equity | $133,862,250 | 544 |
| Average total loans | $1,751,071,500 | 277 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,946 |
| Cost of funding earning assets | 0.5809% | 3,119 |
| Net interest margin | 3.4633% | 3,948 |
| Noninterest income to average assets | 1.0317% | 1,433 |
| Noninterest expense to average assets | 4.8891% | 390 |
| Loan and lease loss provision to assets | 0.0801% | 3,454 |
| Net operating income to assets | -0.7948% | 6,712 |
| Return on assets (ROA) | -0.8186% | 6,726 |
| Pretax return on assets | -0.8182% | 6,708 |
| Return on Equity (ROE) | -17.1434% | 6,809 |
| Retained earnings to average equity (ytd only) | -17.1434% | 6,776 |
| Net charge-offs to loans | 0.9923% | 614 |
| Credit loss provision to net charge-offs | 10.7579% | 3,887 |
| Earnings coverage of net charge-offs (x) | -0.9596% | 4,714 |
| Efficiency ratio | 117.1101% | 206 |
| Assets per employee ($millions) | 3.3352% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4040% | 186 |
| Loan loss allowance to noncurrent loans | 63.6254% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 7.9965% | 254 |
| Noncurrent loans to loans | 6.9217% | 356 |
| Net loans and leases to total assets | 70.2427% | 1,841 |
| Net loans and leases to deposits | 82.1304% | 2,042 |
| Net loans and leases to core deposits | 82.5851% | 2,744 |
| Total domestic deposits to total assets | 85.5259% | 3,630 |
| Equity capital to assets | 4.5290% | 6,849 |
| Core capital (leverage) ratio | 4.5749% | 6,847 |
| Tier 1 risk-based capital ratio | 7.9033% | 6,805 |
| Total risk-based capital ratio | 9.2104% | 6,807 |
| Memoranda: | ||
| Average total assets | $2,375,185,000 | 310 |
| Average earning assets | $2,155,597,330 | 306 |
| Average equity | $113,420,000 | 632 |
| Average total loans | $1,781,770,330 | 274 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 3,413 |
| Cost of funding earning assets | 0.5971% | 3,132 |
| Net interest margin | 3.5761% | 3,359 |
| Noninterest income to average assets | 0.5209% | 3,623 |
| Noninterest expense to average assets | 5.1420% | 340 |
| Loan and lease loss provision to assets | 0.1129% | 2,819 |
| Net operating income to assets | -1.5018% | 6,884 |
| Return on assets (ROA) | -1.5492% | 6,892 |
| Pretax return on assets | -1.5492% | 6,884 |
| Return on Equity (ROE) | -31.6415% | 6,934 |
| Retained earnings to average equity (ytd only) | -31.6415% | 6,904 |
| Net charge-offs to loans | 1.0205% | 600 |
| Credit loss provision to net charge-offs | 14.6072% | 3,104 |
| Earnings coverage of net charge-offs (x) | -1.7961% | 4,011 |
| Efficiency ratio | 137.0057% | 115 |
| Assets per employee ($millions) | 3.4266% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5133% | 193 |
| Loan loss allowance to noncurrent loans | 60.2432% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 9.1576% | 236 |
| Noncurrent loans to loans | 7.4919% | 367 |
| Net loans and leases to total assets | 71.3170% | 1,473 |
| Net loans and leases to deposits | 83.2382% | 1,673 |
| Net loans and leases to core deposits | 83.7173% | 2,356 |
| Total domestic deposits to total assets | 85.6782% | 3,693 |
| Equity capital to assets | 4.7638% | 6,904 |
| Core capital (leverage) ratio | 4.5274% | 6,905 |
| Tier 1 risk-based capital ratio | 7.7097% | 6,868 |
| Total risk-based capital ratio | 9.0168% | 6,867 |
| Memoranda: | ||
| Average total assets | $2,390,454,000 | 312 |
| Average earning assets | $2,160,561,000 | 309 |
| Average equity | $117,036,000 | 624 |
| Average total loans | $1,811,247,500 | 274 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2169% | 4,523 |
| Cost of funding earning assets | 0.9068% | 1,901 |
| Net interest margin | 3.3100% | 5,210 |
| Noninterest income to average assets | 1.2705% | 963 |
| Noninterest expense to average assets | 4.0862% | 876 |
| Loan and lease loss provision to assets | 0.4256% | 1,493 |
| Net operating income to assets | -0.3359% | 6,470 |
| Return on assets (ROA) | -0.3500% | 6,529 |
| Pretax return on assets | -0.2565% | 6,455 |
| Return on Equity (ROE) | -7.5634% | 6,673 |
| Retained earnings to average equity (ytd only) | -7.5634% | 6,554 |
| Net charge-offs to loans | 2.8105% | 198 |
| Credit loss provision to net charge-offs | 19.8515% | 5,290 |
| Earnings coverage of net charge-offs (x) | 0.0854% | 5,446 |
| Efficiency ratio | 95.7098% | 721 |
| Assets per employee ($millions) | 3.5592% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5177% | 184 |
| Loan loss allowance to noncurrent loans | 45.9627% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 11.2814% | 169 |
| Noncurrent loans to loans | 9.8290% | 243 |
| Net loans and leases to total assets | 73.3608% | 1,278 |
| Net loans and leases to deposits | 85.8471% | 1,536 |
| Net loans and leases to core deposits | 86.3911% | 2,261 |
| Total domestic deposits to total assets | 85.4551% | 3,636 |
| Equity capital to assets | 5.0256% | 6,951 |
| Core capital (leverage) ratio | 4.8397% | 6,944 |
| Tier 1 risk-based capital ratio | 8.0257% | 6,912 |
| Total risk-based capital ratio | 9.3331% | 6,911 |
| Memoranda: | ||
| Average total assets | $2,745,017,600 | 265 |
| Average earning assets | $2,486,989,000 | 264 |
| Average equity | $127,020,000 | 567 |
| Average total loans | $2,093,857,200 | 233 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 4,850 |
| Cost of funding earning assets | 0.9589% | 1,794 |
| Net interest margin | 3.2311% | 5,613 |
| Noninterest income to average assets | 1.2990% | 874 |
| Noninterest expense to average assets | 3.9196% | 1,042 |
| Loan and lease loss provision to assets | 0.3230% | 2,037 |
| Net operating income to assets | -0.1314% | 6,438 |
| Return on assets (ROA) | -0.1386% | 6,525 |
| Pretax return on assets | -0.0181% | 6,414 |
| Return on Equity (ROE) | -3.0516% | 6,625 |
| Retained earnings to average equity (ytd only) | -3.0516% | 6,482 |
| Net charge-offs to loans | 2.9156% | 188 |
| Credit loss provision to net charge-offs | 14.5441% | 5,025 |
| Earnings coverage of net charge-offs (x) | 0.1405% | 5,263 |
| Efficiency ratio | 92.6256% | 852 |
| Assets per employee ($millions) | 3.6527% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5687% | 197 |
| Loan loss allowance to noncurrent loans | 51.2801% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 10.1913% | 234 |
| Noncurrent loans to loans | 8.9094% | 312 |
| Net loans and leases to total assets | 71.0331% | 1,717 |
| Net loans and leases to deposits | 88.1524% | 1,330 |
| Net loans and leases to core deposits | 88.7211% | 2,133 |
| Total domestic deposits to total assets | 80.5799% | 5,488 |
| Equity capital to assets | 4.7740% | 7,061 |
| Core capital (leverage) ratio | 4.6300% | 7,048 |
| Tier 1 risk-based capital ratio | 7.7561% | 7,008 |
| Total risk-based capital ratio | 9.0625% | 7,006 |
| Memoranda: | ||
| Average total assets | $2,827,982,500 | 258 |
| Average earning assets | $2,566,828,000 | 257 |
| Average equity | $128,456,000 | 562 |
| Average total loans | $2,153,803,500 | 228 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2020% | 4,945 |
| Cost of funding earning assets | 1.0185% | 1,657 |
| Net interest margin | 3.1835% | 5,790 |
| Noninterest income to average assets | 1.4298% | 706 |
| Noninterest expense to average assets | 3.9589% | 1,001 |
| Loan and lease loss provision to assets | 0.1264% | 3,941 |
| Net operating income to assets | 0.0541% | 6,250 |
| Return on assets (ROA) | 0.0534% | 6,387 |
| Pretax return on assets | 0.2301% | 6,097 |
| Return on Equity (ROE) | 1.1953% | 6,263 |
| Retained earnings to average equity (ytd only) | 1.1953% | 5,594 |
| Net charge-offs to loans | 2.9202% | 204 |
| Credit loss provision to net charge-offs | 5.6459% | 4,777 |
| Earnings coverage of net charge-offs (x) | 0.1597% | 4,991 |
| Efficiency ratio | 91.7136% | 943 |
| Assets per employee ($millions) | 3.8137% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8121% | 191 |
| Loan loss allowance to noncurrent loans | 47.3403% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 10.6392% | 232 |
| Noncurrent loans to loans | 10.1649% | 258 |
| Net loans and leases to total assets | 71.3908% | 1,658 |
| Net loans and leases to deposits | 87.8828% | 1,374 |
| Net loans and leases to core deposits | 88.6096% | 2,136 |
| Total domestic deposits to total assets | 81.2341% | 5,383 |
| Equity capital to assets | 4.6685% | 7,109 |
| Core capital (leverage) ratio | 4.5638% | 7,097 |
| Tier 1 risk-based capital ratio | 7.6686% | 7,056 |
| Total risk-based capital ratio | 8.9793% | 7,056 |
| Memoranda: | ||
| Average total assets | $2,881,823,670 | 255 |
| Average earning assets | $2,613,250,670 | 249 |
| Average equity | $128,842,670 | 559 |
| Average total loans | $2,210,156,000 | 219 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2257% | 5,012 |
| Cost of funding earning assets | 1.1296% | 1,255 |
| Net interest margin | 3.0962% | 6,055 |
| Noninterest income to average assets | 1.6456% | 540 |
| Noninterest expense to average assets | 3.7311% | 1,331 |
| Loan and lease loss provision to assets | 0.6312% | 881 |
| Net operating income to assets | -0.0183% | 6,447 |
| Return on assets (ROA) | -0.0195% | 6,551 |
| Pretax return on assets | 0.0853% | 6,406 |
| Return on Equity (ROE) | -0.4459% | 6,585 |
| Retained earnings to average equity (ytd only) | -0.4459% | 6,074 |
| Net charge-offs to loans | 4.2860% | 131 |
| Credit loss provision to net charge-offs | 19.0048% | 3,793 |
| Earnings coverage of net charge-offs (x) | 0.2163% | 4,260 |
| Efficiency ratio | 83.8533% | 1,703 |
| Assets per employee ($millions) | 3.7860% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0360% | 174 |
| Loan loss allowance to noncurrent loans | 44.5635% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 12.1117% | 199 |
| Noncurrent loans to loans | 11.3008% | 239 |
| Net loans and leases to total assets | 75.0587% | 909 |
| Net loans and leases to deposits | 92.2925% | 776 |
| Net loans and leases to core deposits | 93.0844% | 1,538 |
| Total domestic deposits to total assets | 81.3269% | 5,517 |
| Equity capital to assets | 4.5837% | 7,156 |
| Core capital (leverage) ratio | 4.5089% | 7,149 |
| Tier 1 risk-based capital ratio | 7.1045% | 7,128 |
| Total risk-based capital ratio | 8.4163% | 7,124 |
| Memoranda: | ||
| Average total assets | $2,930,722,000 | 248 |
| Average earning assets | $2,654,134,500 | 246 |
| Average equity | $128,278,000 | 557 |
| Average total loans | $2,271,226,000 | 213 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5241% | 4,979 |
| Cost of funding earning assets | 1.4163% | 966 |
| Net interest margin | 3.1078% | 6,329 |
| Noninterest income to average assets | 0.7677% | 2,247 |
| Noninterest expense to average assets | 3.4920% | 1,996 |
| Loan and lease loss provision to assets | 1.1923% | 739 |
| Net operating income to assets | -1.0960% | 6,784 |
| Return on assets (ROA) | -1.0011% | 6,766 |
| Pretax return on assets | -0.9858% | 6,728 |
| Return on Equity (ROE) | -24.6565% | 7,043 |
| Retained earnings to average equity (ytd only) | -24.6565% | 7,033 |
| Net charge-offs to loans | 2.5665% | 442 |
| Credit loss provision to net charge-offs | 59.6720% | 5,181 |
| Earnings coverage of net charge-offs (x) | 0.0559% | 5,782 |
| Efficiency ratio | 96.9010% | 776 |
| Assets per employee ($millions) | 4.0202% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6094% | 117 |
| Loan loss allowance to noncurrent loans | 45.2837% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 12.2591% | 195 |
| Noncurrent loans to loans | 12.3872% | 200 |
| Net loans and leases to total assets | 71.8243% | 1,675 |
| Net loans and leases to deposits | 88.7695% | 1,294 |
| Net loans and leases to core deposits | 91.5541% | 1,934 |
| Total domestic deposits to total assets | 80.9110% | 5,475 |
| Equity capital to assets | 4.1887% | 7,213 |
| Core capital (leverage) ratio | 4.1073% | 7,203 |
| Tier 1 risk-based capital ratio | 6.7510% | 7,171 |
| Total risk-based capital ratio | 8.0722% | 7,167 |
| Memoranda: | ||
| Average total assets | $3,302,347,200 | 228 |
| Average earning assets | $3,013,574,000 | 222 |
| Average equity | $134,086,400 | 520 |
| Average total loans | $2,571,006,000 | 194 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6121% | 4,820 |
| Cost of funding earning assets | 1.4438% | 1,045 |
| Net interest margin | 3.1683% | 6,240 |
| Noninterest income to average assets | 0.5049% | 3,834 |
| Noninterest expense to average assets | 3.4544% | 2,064 |
| Loan and lease loss provision to assets | 1.2276% | 629 |
| Net operating income to assets | -1.3172% | 6,993 |
| Return on assets (ROA) | -1.0526% | 6,933 |
| Pretax return on assets | -1.0161% | 6,882 |
| Return on Equity (ROE) | -26.1126% | 7,174 |
| Retained earnings to average equity (ytd only) | -26.1126% | 7,165 |
| Net charge-offs to loans | 2.5438% | 422 |
| Credit loss provision to net charge-offs | 61.6695% | 4,756 |
| Earnings coverage of net charge-offs (x) | -0.0267% | 5,619 |
| Efficiency ratio | 101.5617% | 617 |
| Assets per employee ($millions) | 4.2646% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6673% | 122 |
| Loan loss allowance to noncurrent loans | 48.8733% | 5,090 |
| Noncurrent assets plus other real estate owned to assets | 11.7413% | 240 |
| Noncurrent loans to loans | 11.5959% | 249 |
| Net loans and leases to total assets | 71.9013% | 1,731 |
| Net loans and leases to deposits | 88.2267% | 1,412 |
| Net loans and leases to core deposits | 90.9608% | 2,126 |
| Total domestic deposits to total assets | 81.4961% | 5,254 |
| Equity capital to assets | 4.2256% | 7,305 |
| Core capital (leverage) ratio | 4.1649% | 7,290 |
| Tier 1 risk-based capital ratio | 6.8258% | 7,257 |
| Total risk-based capital ratio | 8.1478% | 7,254 |
| Memoranda: | ||
| Average total assets | $3,361,081,750 | 224 |
| Average earning assets | $3,072,629,250 | 218 |
| Average equity | $135,486,750 | 518 |
| Average total loans | $2,630,239,500 | 192 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 4,574 |
| Cost of funding earning assets | 1.4821% | 1,067 |
| Net interest margin | 3.2070% | 6,144 |
| Noninterest income to average assets | 0.5211% | 3,696 |
| Noninterest expense to average assets | 3.6161% | 1,704 |
| Loan and lease loss provision to assets | 0.8044% | 1,143 |
| Net operating income to assets | -1.0016% | 6,941 |
| Return on assets (ROA) | -0.8988% | 6,912 |
| Pretax return on assets | -0.8590% | 6,846 |
| Return on Equity (ROE) | -22.6388% | 7,177 |
| Retained earnings to average equity (ytd only) | -22.6388% | 7,164 |
| Net charge-offs to loans | 2.4232% | 503 |
| Credit loss provision to net charge-offs | 42.0783% | 4,774 |
| Earnings coverage of net charge-offs (x) | -0.0823% | 5,330 |
| Efficiency ratio | 104.5496% | 600 |
| Assets per employee ($millions) | 4.3101% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4497% | 148 |
| Loan loss allowance to noncurrent loans | 48.5302% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 11.5507% | 283 |
| Noncurrent loans to loans | 11.2295% | 302 |
| Net loans and leases to total assets | 74.0688% | 1,406 |
| Net loans and leases to deposits | 90.7004% | 1,197 |
| Net loans and leases to core deposits | 93.5636% | 1,951 |
| Total domestic deposits to total assets | 81.6631% | 5,288 |
| Equity capital to assets | 4.2706% | 7,372 |
| Core capital (leverage) ratio | 4.4353% | 7,343 |
| Tier 1 risk-based capital ratio | 6.9997% | 7,310 |
| Total risk-based capital ratio | 8.3174% | 7,311 |
| Memoranda: | ||
| Average total assets | $3,413,865,000 | 227 |
| Average earning assets | $3,127,127,000 | 219 |
| Average equity | $135,537,330 | 516 |
| Average total loans | $2,693,268,000 | 193 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 4,758 |
| Cost of funding earning assets | 1.5395% | 1,021 |
| Net interest margin | 3.1058% | 6,335 |
| Noninterest income to average assets | 0.4088% | 4,639 |
| Noninterest expense to average assets | 3.8488% | 1,246 |
| Loan and lease loss provision to assets | 1.1570% | 613 |
| Net operating income to assets | -1.7598% | 7,247 |
| Return on assets (ROA) | -1.6333% | 7,230 |
| Pretax return on assets | -1.6219% | 7,199 |
| Return on Equity (ROE) | -42.6396% | 7,384 |
| Retained earnings to average equity (ytd only) | -42.6396% | 7,366 |
| Net charge-offs to loans | 2.5288% | 447 |
| Credit loss provision to net charge-offs | 57.8060% | 3,585 |
| Earnings coverage of net charge-offs (x) | -0.2954% | 4,728 |
| Efficiency ratio | 118.1524% | 367 |
| Assets per employee ($millions) | 4.5078% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6063% | 130 |
| Loan loss allowance to noncurrent loans | 48.9881% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 11.6692% | 291 |
| Noncurrent loans to loans | 11.4442% | 316 |
| Net loans and leases to total assets | 74.2673% | 1,309 |
| Net loans and leases to deposits | 93.2421% | 899 |
| Net loans and leases to core deposits | 96.5192% | 1,636 |
| Total domestic deposits to total assets | 79.6500% | 6,027 |
| Equity capital to assets | 3.7291% | 7,455 |
| Core capital (leverage) ratio | 4.2605% | 7,416 |
| Tier 1 risk-based capital ratio | 6.7186% | 7,386 |
| Total risk-based capital ratio | 8.0386% | 7,388 |
| Memoranda: | ||
| Average total assets | $3,495,903,000 | 221 |
| Average earning assets | $3,206,526,500 | 214 |
| Average equity | $133,913,000 | 519 |
| Average total loans | $2,766,992,500 | 187 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 5,721 |
| Cost of funding earning assets | 2.0736% | 468 |
| Net interest margin | 2.6486% | 7,170 |
| Noninterest income to average assets | 1.1702% | 1,080 |
| Noninterest expense to average assets | 3.2530% | 2,905 |
| Loan and lease loss provision to assets | 1.4883% | 1,000 |
| Net operating income to assets | -1.1171% | 6,750 |
| Return on assets (ROA) | -0.9728% | 6,704 |
| Pretax return on assets | -0.9704% | 6,621 |
| Return on Equity (ROE) | -23.7855% | 7,106 |
| Retained earnings to average equity (ytd only) | -23.7855% | 7,085 |
| Net charge-offs to loans | 2.0212% | 996 |
| Credit loss provision to net charge-offs | 92.6675% | 5,009 |
| Earnings coverage of net charge-offs (x) | 0.2326% | 5,875 |
| Efficiency ratio | 89.4826% | 1,363 |
| Assets per employee ($millions) | 4.7092% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5121% | 141 |
| Loan loss allowance to noncurrent loans | 47.0731% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 11.2500% | 328 |
| Noncurrent loans to loans | 11.7096% | 308 |
| Net loans and leases to total assets | 75.2092% | 1,433 |
| Net loans and leases to deposits | 94.8483% | 978 |
| Net loans and leases to core deposits | 103.4886% | 1,350 |
| Total domestic deposits to total assets | 79.2942% | 6,011 |
| Equity capital to assets | 3.9268% | 7,510 |
| Core capital (leverage) ratio | 4.4281% | 7,465 |
| Tier 1 risk-based capital ratio | 7.0479% | 7,416 |
| Total risk-based capital ratio | 8.3682% | 7,414 |
| Memoranda: | ||
| Average total assets | $4,057,167,600 | 198 |
| Average earning assets | $3,762,713,600 | 192 |
| Average equity | $165,937,000 | 418 |
| Average total loans | $3,223,956,800 | 173 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 6,091 |
| Cost of funding earning assets | 2.1540% | 442 |
| Net interest margin | 2.5271% | 7,356 |
| Noninterest income to average assets | 1.1686% | 1,021 |
| Noninterest expense to average assets | 3.4395% | 2,183 |
| Loan and lease loss provision to assets | 1.2359% | 1,144 |
| Net operating income to assets | -1.1492% | 6,963 |
| Return on assets (ROA) | -0.9879% | 6,939 |
| Pretax return on assets | -0.9942% | 6,860 |
| Return on Equity (ROE) | -23.9492% | 7,292 |
| Retained earnings to average equity (ytd only) | -23.9492% | 7,282 |
| Net charge-offs to loans | 1.8095% | 1,065 |
| Credit loss provision to net charge-offs | 85.9787% | 4,917 |
| Earnings coverage of net charge-offs (x) | 0.0548% | 5,972 |
| Efficiency ratio | 97.4753% | 841 |
| Assets per employee ($millions) | 5.0438% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1653% | 155 |
| Loan loss allowance to noncurrent loans | 45.0122% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 10.6925% | 347 |
| Noncurrent loans to loans | 11.4754% | 322 |
| Net loans and leases to total assets | 75.3023% | 1,531 |
| Net loans and leases to deposits | 94.7118% | 1,123 |
| Net loans and leases to core deposits | 107.0748% | 1,233 |
| Total domestic deposits to total assets | 79.5068% | 5,862 |
| Equity capital to assets | 4.4739% | 7,617 |
| Core capital (leverage) ratio | 4.3598% | 7,603 |
| Tier 1 risk-based capital ratio | 6.8299% | 7,561 |
| Total risk-based capital ratio | 8.1439% | 7,560 |
| Memoranda: | ||
| Average total assets | $4,174,361,750 | 193 |
| Average earning assets | $3,881,330,250 | 185 |
| Average equity | $172,193,750 | 394 |
| Average total loans | $3,315,886,500 | 171 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 6,385 |
| Cost of funding earning assets | 2.2491% | 400 |
| Net interest margin | 2.3776% | 7,497 |
| Noninterest income to average assets | 1.0618% | 1,190 |
| Noninterest expense to average assets | 3.5430% | 1,924 |
| Loan and lease loss provision to assets | 1.3548% | 1,000 |
| Net operating income to assets | -1.5899% | 7,186 |
| Return on assets (ROA) | -1.6284% | 7,204 |
| Pretax return on assets | -1.6639% | 7,132 |
| Return on Equity (ROE) | -40.4880% | 7,538 |
| Retained earnings to average equity (ytd only) | -40.4880% | 7,531 |
| Net charge-offs to loans | 1.3984% | 1,362 |
| Credit loss provision to net charge-offs | 121.9527% | 3,317 |
| Earnings coverage of net charge-offs (x) | -0.2429% | 5,900 |
| Efficiency ratio | 107.7935% | 593 |
| Assets per employee ($millions) | 4.7060% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1577% | 155 |
| Loan loss allowance to noncurrent loans | 41.6002% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 11.2359% | 309 |
| Noncurrent loans to loans | 12.3984% | 260 |
| Net loans and leases to total assets | 76.5176% | 1,386 |
| Net loans and leases to deposits | 95.0000% | 1,149 |
| Net loans and leases to core deposits | 107.7703% | 1,315 |
| Total domestic deposits to total assets | 80.5449% | 5,546 |
| Equity capital to assets | 4.1476% | 7,685 |
| Core capital (leverage) ratio | 4.0757% | 7,675 |
| Tier 1 risk-based capital ratio | 6.3154% | 7,645 |
| Total risk-based capital ratio | 7.6297% | 7,646 |
| Memoranda: | ||
| Average total assets | $4,296,463,670 | 190 |
| Average earning assets | $3,995,977,000 | 184 |
| Average equity | $172,802,000 | 396 |
| Average total loans | $3,413,268,670 | 161 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 6,423 |
| Cost of funding earning assets | 2.3323% | 385 |
| Net interest margin | 2.3147% | 7,587 |
| Noninterest income to average assets | 0.7839% | 2,101 |
| Noninterest expense to average assets | 3.8099% | 1,315 |
| Loan and lease loss provision to assets | 1.8162% | 618 |
| Net operating income to assets | -2.6164% | 7,580 |
| Return on assets (ROA) | -2.5364% | 7,565 |
| Pretax return on assets | -2.6051% | 7,531 |
| Return on Equity (ROE) | -63.9654% | 7,752 |
| Retained earnings to average equity (ytd only) | -63.9654% | 7,744 |
| Net charge-offs to loans | 0.5730% | 2,373 |
| Credit loss provision to net charge-offs | 401.7928% | 1,014 |
| Earnings coverage of net charge-offs (x) | -1.9275% | 5,465 |
| Efficiency ratio | 129.1641% | 342 |
| Assets per employee ($millions) | 4.5090% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2412% | 147 |
| Loan loss allowance to noncurrent loans | 44.9182% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 10.2940% | 374 |
| Noncurrent loans to loans | 11.6684% | 308 |
| Net loans and leases to total assets | 73.4265% | 2,098 |
| Net loans and leases to deposits | 91.4574% | 1,688 |
| Net loans and leases to core deposits | 104.0106% | 1,739 |
| Total domestic deposits to total assets | 80.2850% | 5,691 |
| Equity capital to assets | 3.7312% | 7,815 |
| Core capital (leverage) ratio | 3.7288% | 7,797 |
| Tier 1 risk-based capital ratio | 6.0043% | 7,748 |
| Total risk-based capital ratio | 7.3196% | 7,748 |
| Memoranda: | ||
| Average total assets | $4,442,284,500 | 193 |
| Average earning assets | $4,135,356,500 | 180 |
| Average equity | $176,151,500 | 399 |
| Average total loans | $3,504,382,000 | 157 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0863% | 6,140 |
| Cost of funding earning assets | 2.6709% | 630 |
| Net interest margin | 2.4154% | 7,499 |
| Noninterest income to average assets | 0.7668% | 2,576 |
| Noninterest expense to average assets | 2.8275% | 4,848 |
| Loan and lease loss provision to assets | 4.0741% | 321 |
| Net operating income to assets | -3.5295% | 7,513 |
| Return on assets (ROA) | -3.2636% | 7,456 |
| Pretax return on assets | -3.5936% | 7,443 |
| Return on Equity (ROE) | -65.1640% | 7,781 |
| Retained earnings to average equity (ytd only) | -65.7388% | 7,777 |
| Net charge-offs to loans | 4.0109% | 410 |
| Credit loss provision to net charge-offs | 126.8354% | 4,103 |
| Earnings coverage of net charge-offs (x) | 0.0586% | 6,113 |
| Efficiency ratio | 93.3266% | 1,455 |
| Assets per employee ($millions) | 4.4792% | 2,965 |
| Cash dividends to net income (ytd only)* | -0.8820% | 7,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5932% | 233 |
| Loan loss allowance to noncurrent loans | 48.5081% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 8.5064% | 498 |
| Noncurrent loans to loans | 9.4689% | 453 |
| Net loans and leases to total assets | 76.5870% | 1,676 |
| Net loans and leases to deposits | 95.0033% | 1,457 |
| Net loans and leases to core deposits | 117.3652% | 2,194 |
| Total domestic deposits to total assets | 80.6151% | 5,467 |
| Equity capital to assets | 4.1975% | 7,846 |
| Core capital (leverage) ratio | 4.3151% | 7,823 |
| Tier 1 risk-based capital ratio | 6.5824% | 7,786 |
| Total risk-based capital ratio | 7.8863% | 7,786 |
| Memoranda: | ||
| Average total assets | $4,863,472,200 | 175 |
| Average earning assets | $4,528,241,200 | 167 |
| Average equity | $243,577,600 | 292 |
| Average total loans | $3,894,883,800 | 146 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0931% | 6,296 |
| Cost of funding earning assets | 2.7176% | 754 |
| Net interest margin | 2.3755% | 7,584 |
| Noninterest income to average assets | 0.7437% | 2,741 |
| Noninterest expense to average assets | 2.7586% | 5,072 |
| Loan and lease loss provision to assets | 5.0411% | 168 |
| Net operating income to assets | -4.3773% | 7,786 |
| Return on assets (ROA) | -4.1499% | 7,770 |
| Pretax return on assets | -4.5891% | 7,765 |
| Return on Equity (ROE) | -79.9529% | 7,961 |
| Retained earnings to average equity (ytd only) | -80.6773% | 7,965 |
| Net charge-offs to loans | 4.6843% | 262 |
| Credit loss provision to net charge-offs | 134.4516% | 3,701 |
| Earnings coverage of net charge-offs (x) | 0.0532% | 5,999 |
| Efficiency ratio | 92.8301% | 1,474 |
| Assets per employee ($millions) | 4.5668% | 2,754 |
| Cash dividends to net income (ytd only)* | -0.9061% | 7,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6073% | 192 |
| Loan loss allowance to noncurrent loans | 38.1953% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 10.4575% | 316 |
| Noncurrent loans to loans | 12.0624% | 268 |
| Net loans and leases to total assets | 76.1557% | 1,970 |
| Net loans and leases to deposits | 94.4272% | 1,801 |
| Net loans and leases to core deposits | 118.6702% | 2,362 |
| Total domestic deposits to total assets | 80.6501% | 5,205 |
| Equity capital to assets | 4.3444% | 7,985 |
| Core capital (leverage) ratio | 4.2831% | 7,963 |
| Tier 1 risk-based capital ratio | 6.3016% | 7,939 |
| Total risk-based capital ratio | 7.6030% | 7,939 |
| Memoranda: | ||
| Average total assets | $4,964,022,250 | 178 |
| Average earning assets | $4,627,133,750 | 172 |
| Average equity | $257,657,000 | 292 |
| Average total loans | $3,973,293,000 | 154 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1366% | 6,292 |
| Cost of funding earning assets | 2.6406% | 1,185 |
| Net interest margin | 2.4960% | 7,484 |
| Noninterest income to average assets | 0.7308% | 2,812 |
| Noninterest expense to average assets | 2.5378% | 5,992 |
| Loan and lease loss provision to assets | 4.9993% | 203 |
| Net operating income to assets | -3.7774% | 7,799 |
| Return on assets (ROA) | -3.4680% | 7,760 |
| Pretax return on assets | -4.1122% | 7,765 |
| Return on Equity (ROE) | -63.6511% | 7,996 |
| Retained earnings to average equity (ytd only) | -64.6643% | 7,997 |
| Net charge-offs to loans | 5.4099% | 216 |
| Credit loss provision to net charge-offs | 115.3619% | 4,014 |
| Earnings coverage of net charge-offs (x) | 0.1197% | 5,546 |
| Efficiency ratio | 82.6193% | 2,651 |
| Assets per employee ($millions) | 4.9823% | 2,096 |
| Cash dividends to net income (ytd only)* | -1.5918% | 7,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5808% | 354 |
| Loan loss allowance to noncurrent loans | 82.2190% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 4.2028% | 1,370 |
| Noncurrent loans to loans | 4.3552% | 1,489 |
| Net loans and leases to total assets | 71.8475% | 3,259 |
| Net loans and leases to deposits | 93.9421% | 2,100 |
| Net loans and leases to core deposits | 122.3401% | 2,179 |
| Total domestic deposits to total assets | 76.4805% | 6,443 |
| Equity capital to assets | 5.0744% | 8,031 |
| Core capital (leverage) ratio | 5.0708% | 8,019 |
| Tier 1 risk-based capital ratio | 7.7986% | 7,931 |
| Total risk-based capital ratio | 9.0838% | 7,947 |
| Memoranda: | ||
| Average total assets | $5,072,061,000 | 183 |
| Average earning assets | $4,726,331,670 | 177 |
| Average equity | $276,350,330 | 282 |
| Average total loans | $4,062,985,670 | 156 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2557% | 6,091 |
| Cost of funding earning assets | 2.6103% | 1,529 |
| Net interest margin | 2.6454% | 7,305 |
| Noninterest income to average assets | 0.2189% | 6,727 |
| Noninterest expense to average assets | 2.3378% | 6,409 |
| Loan and lease loss provision to assets | 4.5154% | 200 |
| Net operating income to assets | -2.6585% | 7,795 |
| Return on assets (ROA) | -2.2964% | 7,724 |
| Pretax return on assets | -3.6047% | 7,853 |
| Return on Equity (ROE) | -40.6868% | 8,000 |
| Retained earnings to average equity (ytd only) | -42.6732% | 7,995 |
| Net charge-offs to loans | 4.0308% | 298 |
| Credit loss provision to net charge-offs | 134.9214% | 3,002 |
| Earnings coverage of net charge-offs (x) | 0.1031% | 4,902 |
| Efficiency ratio | 86.6712% | 2,000 |
| Assets per employee ($millions) | 4.8921% | 2,192 |
| Cash dividends to net income (ytd only)* | -4.8821% | 8,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2708% | 386 |
| Loan loss allowance to noncurrent loans | 78.6415% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 4.3218% | 1,139 |
| Noncurrent loans to loans | 4.1591% | 1,434 |
| Net loans and leases to total assets | 77.2774% | 1,973 |
| Net loans and leases to deposits | 103.3823% | 1,058 |
| Net loans and leases to core deposits | 136.7690% | 1,259 |
| Total domestic deposits to total assets | 74.7491% | 6,753 |
| Equity capital to assets | 6.1439% | 7,971 |
| Core capital (leverage) ratio | 6.1729% | 7,974 |
| Tier 1 risk-based capital ratio | 8.9209% | 7,836 |
| Total risk-based capital ratio | 10.2021% | 7,857 |
| Memoranda: | ||
| Average total assets | $4,994,865,500 | 187 |
| Average earning assets | $4,651,783,500 | 179 |
| Average equity | $281,919,500 | 279 |
| Average total loans | $4,147,214,500 | 157 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1336% | 4,875 |
| Cost of funding earning assets | 3.0621% | 1,630 |
| Net interest margin | 3.0715% | 6,740 |
| Noninterest income to average assets | 0.5444% | 4,274 |
| Noninterest expense to average assets | 3.8001% | 1,754 |
| Loan and lease loss provision to assets | 3.2995% | 257 |
| Net operating income to assets | -3.5962% | 7,925 |
| Return on assets (ROA) | -3.5080% | 7,893 |
| Pretax return on assets | -3.6128% | 7,826 |
| Return on Equity (ROE) | -44.6745% | 8,115 |
| Retained earnings to average equity (ytd only) | -45.9360% | 8,102 |
| Net charge-offs to loans | 1.6773% | 663 |
| Credit loss provision to net charge-offs | 230.8094% | 2,062 |
| Earnings coverage of net charge-offs (x) | -0.2828% | 6,408 |
| Efficiency ratio | 67.6116% | 4,795 |
| Assets per employee ($millions) | 4.5062% | 2,606 |
| Cash dividends to net income (ytd only)* | -2.8236% | 7,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9890% | 435 |
| Loan loss allowance to noncurrent loans | 84.8383% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 4.0113% | 1,023 |
| Noncurrent loans to loans | 3.5231% | 1,435 |
| Net loans and leases to total assets | 83.9199% | 897 |
| Net loans and leases to deposits | 114.9950% | 571 |
| Net loans and leases to core deposits | 143.6101% | 1,106 |
| Total domestic deposits to total assets | 72.9770% | 6,831 |
| Equity capital to assets | 5.0909% | 8,177 |
| Core capital (leverage) ratio | 5.1394% | 8,196 |
| Tier 1 risk-based capital ratio | 6.8029% | 8,188 |
| Total risk-based capital ratio | 8.0796% | 8,196 |
| Memoranda: | ||
| Average total assets | $4,840,959,800 | 187 |
| Average earning assets | $4,494,134,600 | 182 |
| Average equity | $380,127,000 | 229 |
| Average total loans | $4,125,931,000 | 158 |