Home > Bank of North Carolina > Performance and Condition Ratios
Bank of North Carolina, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 2,147 |
| Cost of funding earning assets | 0.5287% | 1,868 |
| Net interest margin | 3.7078% | 2,458 |
| Noninterest income to average assets | 0.7019% | 1,962 |
| Noninterest expense to average assets | 2.5004% | 3,804 |
| Loan and lease loss provision to assets | 0.0653% | 2,495 |
| Net operating income to assets | 0.9635% | 2,464 |
| Return on assets (ROA) | 0.9635% | 2,521 |
| Pretax return on assets | 1.4194% | 1,824 |
| Return on Equity (ROE) | 7.2596% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.2596% | 1,764 |
| Net charge-offs to loans | -0.0461% | 5,145 |
| Credit loss provision to net charge-offs | -190.3427% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6944% | 4,364 |
| Assets per employee ($millions) | 7.3340% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6974% | 5,314 |
| Loan loss allowance to noncurrent loans | 209.6225% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 2,923 |
| Noncurrent loans to loans | 0.3327% | 3,915 |
| Net loans and leases to total assets | 74.0542% | 1,726 |
| Net loans and leases to deposits | 88.4861% | 1,730 |
| Net loans and leases to core deposits | 117.8112% | 530 |
| Total domestic deposits to total assets | 83.6902% | 3,581 |
| Equity capital to assets | 13.2865% | 1,154 |
| Core capital (leverage) ratio | 10.3652% | 3,036 |
| Tier 1 risk-based capital ratio | 11.7224% | 4,900 |
| Total risk-based capital ratio | 12.3516% | 5,153 |
| Memoranda: | ||
| Average total assets | $7,482,273,000 | 163 |
| Average earning assets | $6,625,310,000 | 163 |
| Average equity | $993,051,000 | 146 |
| Average total loans | $5,571,880,500 | 153 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 1,932 |
| Cost of funding earning assets | 0.5349% | 1,827 |
| Net interest margin | 3.8302% | 2,210 |
| Noninterest income to average assets | 0.5925% | 2,701 |
| Noninterest expense to average assets | 2.3940% | 4,315 |
| Loan and lease loss provision to assets | 0.0728% | 2,897 |
| Net operating income to assets | 1.0598% | 2,092 |
| Return on assets (ROA) | 1.0598% | 2,199 |
| Pretax return on assets | 1.5382% | 1,466 |
| Return on Equity (ROE) | 8.5288% | 2,655 |
| Retained earnings to average equity (ytd only) | 8.5288% | 691 |
| Net charge-offs to loans | -0.0238% | 5,173 |
| Credit loss provision to net charge-offs | -410.2902% | 5,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8630% | 4,868 |
| Assets per employee ($millions) | 7.1114% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 5,395 |
| Loan loss allowance to noncurrent loans | 254.2096% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 3,058 |
| Noncurrent loans to loans | 0.2682% | 4,192 |
| Net loans and leases to total assets | 73.8516% | 1,873 |
| Net loans and leases to deposits | 89.3381% | 1,757 |
| Net loans and leases to core deposits | 116.3779% | 601 |
| Total domestic deposits to total assets | 82.6653% | 3,871 |
| Equity capital to assets | 13.2572% | 1,149 |
| Core capital (leverage) ratio | 10.4483% | 2,933 |
| Tier 1 risk-based capital ratio | 11.7491% | 4,892 |
| Total risk-based capital ratio | 12.3654% | 5,161 |
| Memoranda: | ||
| Average total assets | $6,407,351,800 | 178 |
| Average earning assets | $5,708,600,200 | 173 |
| Average equity | $796,212,200 | 167 |
| Average total loans | $4,780,233,400 | 165 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3607% | 1,975 |
| Cost of funding earning assets | 0.5338% | 1,846 |
| Net interest margin | 3.8269% | 2,239 |
| Noninterest income to average assets | 0.5603% | 2,871 |
| Noninterest expense to average assets | 2.3064% | 4,518 |
| Loan and lease loss provision to assets | 0.0695% | 2,829 |
| Net operating income to assets | 1.0972% | 2,009 |
| Return on assets (ROA) | 1.0972% | 2,114 |
| Pretax return on assets | 1.6018% | 1,372 |
| Return on Equity (ROE) | 9.0103% | 2,481 |
| Retained earnings to average equity (ytd only) | 9.0103% | 816 |
| Net charge-offs to loans | -0.0422% | 5,308 |
| Credit loss provision to net charge-offs | -220.3157% | 4,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0760% | 5,060 |
| Assets per employee ($millions) | 7.6742% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7221% | 5,381 |
| Loan loss allowance to noncurrent loans | 213.6914% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.6628% | 2,914 |
| Noncurrent loans to loans | 0.3379% | 4,048 |
| Net loans and leases to total assets | 73.5366% | 1,946 |
| Net loans and leases to deposits | 87.2634% | 2,110 |
| Net loans and leases to core deposits | 122.6779% | 437 |
| Total domestic deposits to total assets | 84.2697% | 3,114 |
| Equity capital to assets | 12.2042% | 1,980 |
| Core capital (leverage) ratio | 9.7523% | 3,873 |
| Tier 1 risk-based capital ratio | 11.0193% | 5,358 |
| Total risk-based capital ratio | 11.6716% | 5,579 |
| Memoranda: | ||
| Average total assets | $6,160,232,000 | 181 |
| Average earning assets | $5,500,976,750 | 179 |
| Average equity | $750,144,500 | 173 |
| Average total loans | $4,600,431,500 | 170 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 2,057 |
| Cost of funding earning assets | 0.5208% | 1,934 |
| Net interest margin | 3.8084% | 2,289 |
| Noninterest income to average assets | 0.5580% | 2,861 |
| Noninterest expense to average assets | 2.3407% | 4,497 |
| Loan and lease loss provision to assets | 0.0452% | 3,244 |
| Net operating income to assets | 1.0739% | 2,073 |
| Return on assets (ROA) | 1.0731% | 2,196 |
| Pretax return on assets | 1.5698% | 1,455 |
| Return on Equity (ROE) | 8.8202% | 2,576 |
| Retained earnings to average equity (ytd only) | 8.8202% | 896 |
| Net charge-offs to loans | -0.0358% | 5,213 |
| Credit loss provision to net charge-offs | -168.7578% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1634% | 5,006 |
| Assets per employee ($millions) | 7.2284% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6971% | 5,529 |
| Loan loss allowance to noncurrent loans | 197.0364% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 2,775 |
| Noncurrent loans to loans | 0.3538% | 4,105 |
| Net loans and leases to total assets | 74.4299% | 1,744 |
| Net loans and leases to deposits | 89.6244% | 1,790 |
| Net loans and leases to core deposits | 125.3120% | 385 |
| Total domestic deposits to total assets | 83.0465% | 3,635 |
| Equity capital to assets | 12.4815% | 1,782 |
| Core capital (leverage) ratio | 10.5105% | 2,963 |
| Tier 1 risk-based capital ratio | 10.9393% | 5,452 |
| Total risk-based capital ratio | 11.5599% | 5,670 |
| Memoranda: | ||
| Average total assets | $5,947,187,330 | 184 |
| Average earning assets | $5,307,611,330 | 180 |
| Average equity | $723,590,000 | 174 |
| Average total loans | $4,455,112,670 | 174 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 1,684 |
| Cost of funding earning assets | 0.5242% | 1,916 |
| Net interest margin | 3.9154% | 1,891 |
| Noninterest income to average assets | 0.5417% | 2,860 |
| Noninterest expense to average assets | 2.4013% | 4,368 |
| Loan and lease loss provision to assets | 0.0455% | 3,008 |
| Net operating income to assets | 1.0998% | 1,900 |
| Return on assets (ROA) | 1.0979% | 2,009 |
| Pretax return on assets | 1.5984% | 1,300 |
| Return on Equity (ROE) | 9.1586% | 2,335 |
| Retained earnings to average equity (ytd only) | 9.1586% | 1,062 |
| Net charge-offs to loans | -0.0190% | 4,825 |
| Credit loss provision to net charge-offs | -320.2970% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3105% | 5,071 |
| Assets per employee ($millions) | 6.7361% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7620% | 5,461 |
| Loan loss allowance to noncurrent loans | 171.8933% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.8722% | 2,512 |
| Noncurrent loans to loans | 0.4433% | 3,850 |
| Net loans and leases to total assets | 74.3858% | 1,666 |
| Net loans and leases to deposits | 88.5754% | 1,755 |
| Net loans and leases to core deposits | 122.2197% | 409 |
| Total domestic deposits to total assets | 83.9803% | 3,528 |
| Equity capital to assets | 12.0796% | 1,972 |
| Core capital (leverage) ratio | 9.7243% | 3,882 |
| Tier 1 risk-based capital ratio | 10.9224% | 5,539 |
| Total risk-based capital ratio | 11.5912% | 5,739 |
| Memoranda: | ||
| Average total assets | $5,682,468,500 | 187 |
| Average earning assets | $5,088,682,000 | 182 |
| Average equity | $681,195,500 | 178 |
| Average total loans | $4,255,475,000 | 177 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7354% | 1,038 |
| Cost of funding earning assets | 0.5270% | 1,948 |
| Net interest margin | 4.2084% | 1,155 |
| Noninterest income to average assets | 0.5704% | 2,897 |
| Noninterest expense to average assets | 2.8535% | 3,017 |
| Loan and lease loss provision to assets | 0.0405% | 3,525 |
| Net operating income to assets | 1.0530% | 2,114 |
| Return on assets (ROA) | 1.0668% | 2,136 |
| Pretax return on assets | 1.4677% | 1,655 |
| Return on Equity (ROE) | 9.2122% | 2,363 |
| Retained earnings to average equity (ytd only) | 7.1622% | 1,206 |
| Net charge-offs to loans | -0.0119% | 5,151 |
| Credit loss provision to net charge-offs | -445.0704% | 5,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7530% | 4,319 |
| Assets per employee ($millions) | 6.6661% | 1,019 |
| Cash dividends to net income (ytd only)* | 22.2539% | 3,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 5,543 |
| Loan loss allowance to noncurrent loans | 169.1268% | 2,569 |
| Noncurrent assets plus other real estate owned to assets | 0.9049% | 2,397 |
| Noncurrent loans to loans | 0.4414% | 3,888 |
| Net loans and leases to total assets | 74.2597% | 1,681 |
| Net loans and leases to deposits | 87.9885% | 1,876 |
| Net loans and leases to core deposits | 124.2518% | 373 |
| Total domestic deposits to total assets | 84.3971% | 3,332 |
| Equity capital to assets | 11.8952% | 2,033 |
| Core capital (leverage) ratio | 9.7985% | 3,780 |
| Tier 1 risk-based capital ratio | 10.9376% | 5,553 |
| Total risk-based capital ratio | 11.6087% | 5,761 |
| Memoranda: | ||
| Average total assets | $4,675,763,200 | 207 |
| Average earning assets | $4,191,503,600 | 204 |
| Average equity | $541,442,200 | 198 |
| Average total loans | $3,571,690,600 | 189 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7817% | 963 |
| Cost of funding earning assets | 0.5336% | 1,941 |
| Net interest margin | 4.2480% | 1,057 |
| Noninterest income to average assets | 0.5821% | 2,837 |
| Noninterest expense to average assets | 2.9195% | 2,786 |
| Loan and lease loss provision to assets | 0.0183% | 3,913 |
| Net operating income to assets | 1.0548% | 2,198 |
| Return on assets (ROA) | 1.0732% | 2,213 |
| Pretax return on assets | 1.4746% | 1,751 |
| Return on Equity (ROE) | 9.3496% | 2,385 |
| Retained earnings to average equity (ytd only) | 6.7003% | 1,835 |
| Net charge-offs to loans | -0.0305% | 5,363 |
| Credit loss provision to net charge-offs | -78.2776% | 5,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6379% | 4,129 |
| Assets per employee ($millions) | 6.0696% | 1,321 |
| Cash dividends to net income (ytd only)* | 28.3358% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7677% | 5,593 |
| Loan loss allowance to noncurrent loans | 152.3671% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 2,138 |
| Noncurrent loans to loans | 0.5039% | 3,838 |
| Net loans and leases to total assets | 76.7042% | 1,290 |
| Net loans and leases to deposits | 90.8867% | 1,541 |
| Net loans and leases to core deposits | 123.9501% | 375 |
| Total domestic deposits to total assets | 84.3954% | 3,264 |
| Equity capital to assets | 11.9323% | 2,155 |
| Core capital (leverage) ratio | 9.3651% | 4,491 |
| Tier 1 risk-based capital ratio | 10.6707% | 5,814 |
| Total risk-based capital ratio | 11.3736% | 5,949 |
| Memoranda: | ||
| Average total assets | $4,428,157,000 | 218 |
| Average earning assets | $3,966,336,750 | 215 |
| Average equity | $508,301,750 | 207 |
| Average total loans | $3,404,778,000 | 196 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 976 |
| Cost of funding earning assets | 0.5405% | 1,902 |
| Net interest margin | 4.2175% | 1,073 |
| Noninterest income to average assets | 0.5624% | 2,960 |
| Noninterest expense to average assets | 2.8607% | 3,027 |
| Loan and lease loss provision to assets | 0.0197% | 3,737 |
| Net operating income to assets | 1.0671% | 2,071 |
| Return on assets (ROA) | 1.0687% | 2,164 |
| Pretax return on assets | 1.4628% | 1,758 |
| Return on Equity (ROE) | 9.4650% | 2,317 |
| Retained earnings to average equity (ytd only) | 7.0450% | 1,685 |
| Net charge-offs to loans | -0.0282% | 5,310 |
| Credit loss provision to net charge-offs | -90.9292% | 4,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0449% | 4,354 |
| Assets per employee ($millions) | 5.9227% | 1,418 |
| Cash dividends to net income (ytd only)* | 25.5674% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 5,175 |
| Loan loss allowance to noncurrent loans | 120.5960% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 1.3660% | 1,836 |
| Noncurrent loans to loans | 0.7723% | 3,181 |
| Net loans and leases to total assets | 76.2060% | 1,337 |
| Net loans and leases to deposits | 92.6620% | 1,295 |
| Net loans and leases to core deposits | 133.8995% | 218 |
| Total domestic deposits to total assets | 82.2408% | 4,217 |
| Equity capital to assets | 11.1967% | 2,675 |
| Core capital (leverage) ratio | 9.4929% | 4,293 |
| Tier 1 risk-based capital ratio | 10.7195% | 5,835 |
| Total risk-based capital ratio | 11.5676% | 5,934 |
| Memoranda: | ||
| Average total assets | $4,172,344,330 | 226 |
| Average earning assets | $3,738,251,330 | 222 |
| Average equity | $471,085,000 | 224 |
| Average total loans | $3,201,014,000 | 203 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 924 |
| Cost of funding earning assets | 0.5219% | 2,090 |
| Net interest margin | 4.2410% | 993 |
| Noninterest income to average assets | 0.4945% | 3,318 |
| Noninterest expense to average assets | 2.9681% | 2,678 |
| Loan and lease loss provision to assets | 0.0107% | 3,586 |
| Net operating income to assets | 0.9697% | 2,395 |
| Return on assets (ROA) | 0.9732% | 2,512 |
| Pretax return on assets | 1.3140% | 2,222 |
| Return on Equity (ROE) | 8.5824% | 2,653 |
| Retained earnings to average equity (ytd only) | 7.2983% | 1,860 |
| Net charge-offs to loans | 0.0740% | 1,967 |
| Credit loss provision to net charge-offs | 18.8356% | 2,370 |
| Earnings coverage of net charge-offs (x) | 23.2825% | 1,328 |
| Efficiency ratio | 67.3164% | 3,933 |
| Assets per employee ($millions) | 5.8499% | 1,505 |
| Cash dividends to net income (ytd only)* | 14.9626% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 5,385 |
| Loan loss allowance to noncurrent loans | 104.9562% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.6157% | 1,581 |
| Noncurrent loans to loans | 0.8735% | 3,063 |
| Net loans and leases to total assets | 76.0491% | 1,199 |
| Net loans and leases to deposits | 89.0253% | 1,502 |
| Net loans and leases to core deposits | 130.2908% | 243 |
| Total domestic deposits to total assets | 85.4241% | 3,211 |
| Equity capital to assets | 11.3117% | 2,634 |
| Core capital (leverage) ratio | 9.6105% | 4,133 |
| Tier 1 risk-based capital ratio | 10.9169% | 5,841 |
| Total risk-based capital ratio | 11.7516% | 5,961 |
| Memoranda: | ||
| Average total assets | $4,120,439,000 | 226 |
| Average earning assets | $3,685,746,000 | 222 |
| Average equity | $467,234,000 | 226 |
| Average total loans | $3,156,860,000 | 203 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 813 |
| Cost of funding earning assets | 0.5389% | 2,300 |
| Net interest margin | 4.4360% | 839 |
| Noninterest income to average assets | 0.5917% | 2,904 |
| Noninterest expense to average assets | 3.1083% | 2,486 |
| Loan and lease loss provision to assets | 0.1955% | 1,309 |
| Net operating income to assets | 0.9303% | 2,721 |
| Return on assets (ROA) | 0.9194% | 2,878 |
| Pretax return on assets | 1.2087% | 2,616 |
| Return on Equity (ROE) | 8.7345% | 2,714 |
| Retained earnings to average equity (ytd only) | 0.8844% | 5,381 |
| Net charge-offs to loans | 0.2990% | 1,471 |
| Credit loss provision to net charge-offs | 88.6050% | 2,674 |
| Earnings coverage of net charge-offs (x) | 6.4284% | 3,202 |
| Efficiency ratio | 67.2227% | 4,026 |
| Assets per employee ($millions) | 4.9452% | 2,392 |
| Cash dividends to net income (ytd only)* | 89.8746% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 5,166 |
| Loan loss allowance to noncurrent loans | 122.9584% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 1.6525% | 1,628 |
| Noncurrent loans to loans | 0.7943% | 3,321 |
| Net loans and leases to total assets | 75.7262% | 1,310 |
| Net loans and leases to deposits | 90.4838% | 1,467 |
| Net loans and leases to core deposits | 127.4725% | 276 |
| Total domestic deposits to total assets | 83.6903% | 3,846 |
| Equity capital to assets | 11.3678% | 2,540 |
| Core capital (leverage) ratio | 9.7426% | 3,912 |
| Tier 1 risk-based capital ratio | 11.2555% | 5,788 |
| Total risk-based capital ratio | 12.2061% | 5,852 |
| Memoranda: | ||
| Average total assets | $3,583,387,000 | 233 |
| Average earning assets | $3,178,810,400 | 236 |
| Average equity | $377,206,800 | 246 |
| Average total loans | $2,644,270,400 | 220 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 755 |
| Cost of funding earning assets | 0.5527% | 2,267 |
| Net interest margin | 4.4577% | 806 |
| Noninterest income to average assets | 0.5630% | 3,116 |
| Noninterest expense to average assets | 3.1165% | 2,418 |
| Loan and lease loss provision to assets | 0.2313% | 955 |
| Net operating income to assets | 0.8897% | 2,957 |
| Return on assets (ROA) | 0.8748% | 3,145 |
| Pretax return on assets | 1.1440% | 3,017 |
| Return on Equity (ROE) | 8.5099% | 2,944 |
| Retained earnings to average equity (ytd only) | -1.8360% | 6,053 |
| Net charge-offs to loans | 0.3676% | 1,088 |
| Credit loss provision to net charge-offs | 86.1920% | 2,493 |
| Earnings coverage of net charge-offs (x) | 5.1987% | 3,309 |
| Efficiency ratio | 67.6962% | 3,911 |
| Assets per employee ($millions) | 5.4340% | 1,785 |
| Cash dividends to net income (ytd only)* | 121.5745% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 4,732 |
| Loan loss allowance to noncurrent loans | 109.7332% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.9948% | 1,444 |
| Noncurrent loans to loans | 1.0054% | 3,052 |
| Net loans and leases to total assets | 73.7670% | 1,560 |
| Net loans and leases to deposits | 88.1171% | 1,652 |
| Net loans and leases to core deposits | 123.9704% | 311 |
| Total domestic deposits to total assets | 83.7148% | 3,873 |
| Equity capital to assets | 10.6666% | 3,345 |
| Core capital (leverage) ratio | 8.6816% | 5,462 |
| Tier 1 risk-based capital ratio | 10.7930% | 6,096 |
| Total risk-based capital ratio | 11.8510% | 6,121 |
| Memoranda: | ||
| Average total assets | $3,461,758,750 | 236 |
| Average earning assets | $3,066,289,250 | 242 |
| Average equity | $355,843,750 | 257 |
| Average total loans | $2,527,243,500 | 225 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9838% | 771 |
| Cost of funding earning assets | 0.5737% | 2,130 |
| Net interest margin | 4.4101% | 830 |
| Noninterest income to average assets | 0.5660% | 3,008 |
| Noninterest expense to average assets | 3.1032% | 2,481 |
| Loan and lease loss provision to assets | 0.2789% | 732 |
| Net operating income to assets | 0.8455% | 3,097 |
| Return on assets (ROA) | 0.8194% | 3,332 |
| Pretax return on assets | 1.0534% | 3,268 |
| Return on Equity (ROE) | 8.0837% | 3,043 |
| Retained earnings to average equity (ytd only) | -2.9849% | 6,098 |
| Net charge-offs to loans | 0.5440% | 751 |
| Credit loss provision to net charge-offs | 70.7875% | 2,463 |
| Earnings coverage of net charge-offs (x) | 3.4666% | 3,298 |
| Efficiency ratio | 68.2030% | 3,968 |
| Assets per employee ($millions) | 5.2002% | 1,968 |
| Cash dividends to net income (ytd only)* | 136.9244% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 4,820 |
| Loan loss allowance to noncurrent loans | 84.8680% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 2.3419% | 1,257 |
| Noncurrent loans to loans | 1.3178% | 2,610 |
| Net loans and leases to total assets | 72.3532% | 1,680 |
| Net loans and leases to deposits | 85.2021% | 1,900 |
| Net loans and leases to core deposits | 121.0687% | 351 |
| Total domestic deposits to total assets | 84.9196% | 3,554 |
| Equity capital to assets | 10.2054% | 3,820 |
| Core capital (leverage) ratio | 8.4267% | 5,716 |
| Tier 1 risk-based capital ratio | 10.1251% | 6,358 |
| Total risk-based capital ratio | 11.1817% | 6,379 |
| Memoranda: | ||
| Average total assets | $3,371,286,670 | 241 |
| Average earning assets | $2,983,616,670 | 245 |
| Average equity | $341,723,670 | 258 |
| Average total loans | $2,441,466,330 | 228 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9978% | 721 |
| Cost of funding earning assets | 0.6183% | 1,830 |
| Net interest margin | 4.3794% | 841 |
| Noninterest income to average assets | 0.6339% | 2,548 |
| Noninterest expense to average assets | 3.0067% | 2,840 |
| Loan and lease loss provision to assets | 0.3185% | 580 |
| Net operating income to assets | 0.9344% | 2,486 |
| Return on assets (ROA) | 0.8796% | 2,813 |
| Pretax return on assets | 1.1312% | 2,763 |
| Return on Equity (ROE) | 8.7116% | 2,595 |
| Retained earnings to average equity (ytd only) | 4.4002% | 3,486 |
| Net charge-offs to loans | 0.7973% | 435 |
| Credit loss provision to net charge-offs | 55.4930% | 2,153 |
| Earnings coverage of net charge-offs (x) | 2.6481% | 2,828 |
| Efficiency ratio | 65.4073% | 4,624 |
| Assets per employee ($millions) | 5.2017% | 2,010 |
| Cash dividends to net income (ytd only)* | 49.4910% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 3,962 |
| Loan loss allowance to noncurrent loans | 88.1178% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 2.4951% | 1,278 |
| Noncurrent loans to loans | 1.5086% | 2,531 |
| Net loans and leases to total assets | 71.5330% | 1,647 |
| Net loans and leases to deposits | 83.0657% | 1,940 |
| Net loans and leases to core deposits | 127.0824% | 216 |
| Total domestic deposits to total assets | 86.1161% | 3,303 |
| Equity capital to assets | 10.2517% | 3,537 |
| Core capital (leverage) ratio | 9.1432% | 4,804 |
| Tier 1 risk-based capital ratio | 11.4982% | 5,916 |
| Total risk-based capital ratio | 12.7353% | 5,869 |
| Memoranda: | ||
| Average total assets | $3,216,042,000 | 249 |
| Average earning assets | $2,858,644,000 | 249 |
| Average equity | $324,715,000 | 264 |
| Average total loans | $2,315,193,000 | 235 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2139% | 619 |
| Cost of funding earning assets | 1.0582% | 343 |
| Net interest margin | 4.1557% | 1,483 |
| Noninterest income to average assets | 0.6433% | 2,843 |
| Noninterest expense to average assets | 3.1250% | 2,658 |
| Loan and lease loss provision to assets | 0.4030% | 739 |
| Net operating income to assets | 0.6358% | 4,092 |
| Return on assets (ROA) | 0.6346% | 4,204 |
| Pretax return on assets | 0.7684% | 4,268 |
| Return on Equity (ROE) | 6.2012% | 3,976 |
| Retained earnings to average equity (ytd only) | 1.7556% | 4,981 |
| Net charge-offs to loans | 0.9682% | 613 |
| Credit loss provision to net charge-offs | 58.9105% | 3,602 |
| Earnings coverage of net charge-offs (x) | 1.7144% | 4,479 |
| Efficiency ratio | 71.8074% | 3,510 |
| Assets per employee ($millions) | 5.2062% | 1,955 |
| Cash dividends to net income (ytd only)* | 71.6891% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4248% | 3,535 |
| Loan loss allowance to noncurrent loans | 80.4596% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.7407% | 1,213 |
| Noncurrent loans to loans | 1.7708% | 2,273 |
| Net loans and leases to total assets | 70.4663% | 1,942 |
| Net loans and leases to deposits | 83.9786% | 1,947 |
| Net loans and leases to core deposits | 130.7078% | 189 |
| Total domestic deposits to total assets | 83.9098% | 4,201 |
| Equity capital to assets | 9.9429% | 3,846 |
| Core capital (leverage) ratio | 8.9641% | 5,057 |
| Tier 1 risk-based capital ratio | 11.4088% | 5,959 |
| Total risk-based capital ratio | 12.6597% | 5,895 |
| Memoranda: | ||
| Average total assets | $3,024,358,600 | 253 |
| Average earning assets | $2,659,601,800 | 257 |
| Average equity | $309,522,000 | 268 |
| Average total loans | $2,136,807,600 | 244 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 705 |
| Cost of funding earning assets | 1.0612% | 372 |
| Net interest margin | 4.0934% | 1,653 |
| Noninterest income to average assets | 0.6708% | 2,775 |
| Noninterest expense to average assets | 2.9843% | 3,045 |
| Loan and lease loss provision to assets | 0.4373% | 661 |
| Net operating income to assets | 0.6900% | 3,910 |
| Return on assets (ROA) | 0.6881% | 4,056 |
| Pretax return on assets | 0.8373% | 4,153 |
| Return on Equity (ROE) | 6.6716% | 3,830 |
| Retained earnings to average equity (ytd only) | 1.6021% | 5,334 |
| Net charge-offs to loans | 1.2930% | 411 |
| Credit loss provision to net charge-offs | 48.0230% | 3,559 |
| Earnings coverage of net charge-offs (x) | 1.4023% | 4,370 |
| Efficiency ratio | 69.2089% | 3,887 |
| Assets per employee ($millions) | 5.3555% | 1,787 |
| Cash dividends to net income (ytd only)* | 75.9857% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5279% | 3,344 |
| Loan loss allowance to noncurrent loans | 63.1536% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 3.3337% | 1,052 |
| Noncurrent loans to loans | 2.4194% | 1,809 |
| Net loans and leases to total assets | 70.2883% | 1,912 |
| Net loans and leases to deposits | 85.5258% | 1,667 |
| Net loans and leases to core deposits | 135.7666% | 139 |
| Total domestic deposits to total assets | 82.1837% | 4,868 |
| Equity capital to assets | 10.3685% | 3,430 |
| Core capital (leverage) ratio | 9.4352% | 4,497 |
| Tier 1 risk-based capital ratio | 12.1838% | 5,661 |
| Total risk-based capital ratio | 13.4360% | 5,595 |
| Memoranda: | ||
| Average total assets | $2,973,488,000 | 252 |
| Average earning assets | $2,608,189,250 | 260 |
| Average equity | $306,667,250 | 269 |
| Average total loans | $2,094,155,500 | 244 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1288% | 727 |
| Cost of funding earning assets | 1.0741% | 377 |
| Net interest margin | 4.0548% | 1,677 |
| Noninterest income to average assets | 0.6685% | 2,806 |
| Noninterest expense to average assets | 3.0200% | 2,933 |
| Loan and lease loss provision to assets | 0.4304% | 695 |
| Net operating income to assets | 0.6557% | 4,037 |
| Return on assets (ROA) | 0.6528% | 4,212 |
| Pretax return on assets | 0.7656% | 4,444 |
| Return on Equity (ROE) | 6.3405% | 3,974 |
| Retained earnings to average equity (ytd only) | 0.3604% | 5,749 |
| Net charge-offs to loans | 1.4880% | 358 |
| Credit loss provision to net charge-offs | 41.2511% | 3,391 |
| Earnings coverage of net charge-offs (x) | 1.1497% | 4,154 |
| Efficiency ratio | 70.7418% | 3,686 |
| Assets per employee ($millions) | 5.3920% | 1,703 |
| Cash dividends to net income (ytd only)* | 94.3163% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 3,254 |
| Loan loss allowance to noncurrent loans | 48.7414% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 3.9014% | 909 |
| Noncurrent loans to loans | 3.2273% | 1,362 |
| Net loans and leases to total assets | 70.2234% | 1,848 |
| Net loans and leases to deposits | 84.5093% | 1,733 |
| Net loans and leases to core deposits | 131.4600% | 176 |
| Total domestic deposits to total assets | 83.0955% | 4,667 |
| Equity capital to assets | 10.4143% | 3,411 |
| Core capital (leverage) ratio | 9.4429% | 4,332 |
| Tier 1 risk-based capital ratio | 12.5675% | 5,458 |
| Total risk-based capital ratio | 13.8209% | 5,394 |
| Memoranda: | ||
| Average total assets | $2,975,668,330 | 251 |
| Average earning assets | $2,605,969,670 | 256 |
| Average equity | $306,347,330 | 267 |
| Average total loans | $2,086,282,670 | 244 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 818 |
| Cost of funding earning assets | 1.0910% | 393 |
| Net interest margin | 3.9604% | 1,918 |
| Noninterest income to average assets | 0.7760% | 2,230 |
| Noninterest expense to average assets | 3.0012% | 2,987 |
| Loan and lease loss provision to assets | 0.5487% | 481 |
| Net operating income to assets | 0.6249% | 4,102 |
| Return on assets (ROA) | 0.5976% | 4,374 |
| Pretax return on assets | 0.6616% | 4,743 |
| Return on Equity (ROE) | 5.8372% | 4,132 |
| Retained earnings to average equity (ytd only) | 1.7078% | 5,125 |
| Net charge-offs to loans | 1.5678% | 338 |
| Credit loss provision to net charge-offs | 50.3549% | 2,592 |
| Earnings coverage of net charge-offs (x) | 1.1385% | 3,452 |
| Efficiency ratio | 69.9308% | 3,990 |
| Assets per employee ($millions) | 5.4917% | 1,679 |
| Cash dividends to net income (ytd only)* | 70.7431% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8364% | 2,495 |
| Loan loss allowance to noncurrent loans | 47.9927% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 4.4881% | 833 |
| Noncurrent loans to loans | 3.8264% | 1,203 |
| Net loans and leases to total assets | 69.6642% | 1,721 |
| Net loans and leases to deposits | 81.2350% | 1,930 |
| Net loans and leases to core deposits | 124.0860% | 231 |
| Total domestic deposits to total assets | 85.7564% | 3,658 |
| Equity capital to assets | 10.4988% | 3,536 |
| Core capital (leverage) ratio | 9.1922% | 4,581 |
| Tier 1 risk-based capital ratio | 12.8612% | 5,329 |
| Total risk-based capital ratio | 14.1181% | 5,266 |
| Memoranda: | ||
| Average total assets | $2,999,577,500 | 250 |
| Average earning assets | $2,625,066,000 | 257 |
| Average equity | $307,063,000 | 273 |
| Average total loans | $2,084,976,500 | 247 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9942% | 1,573 |
| Cost of funding earning assets | 1.4058% | 250 |
| Net interest margin | 3.5884% | 4,134 |
| Noninterest income to average assets | 0.8924% | 1,888 |
| Noninterest expense to average assets | 2.8712% | 3,758 |
| Loan and lease loss provision to assets | 0.8689% | 529 |
| Net operating income to assets | 0.3341% | 5,352 |
| Return on assets (ROA) | 0.4497% | 5,131 |
| Pretax return on assets | 0.3848% | 5,612 |
| Return on Equity (ROE) | 4.7843% | 4,792 |
| Retained earnings to average equity (ytd only) | 3.2904% | 3,914 |
| Net charge-offs to loans | 1.6818% | 495 |
| Credit loss provision to net charge-offs | 72.9615% | 4,073 |
| Earnings coverage of net charge-offs (x) | 0.9557% | 4,987 |
| Efficiency ratio | 71.0743% | 3,609 |
| Assets per employee ($millions) | 5.7102% | 1,511 |
| Cash dividends to net income (ytd only)* | 31.2261% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9254% | 2,208 |
| Loan loss allowance to noncurrent loans | 58.0367% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 3.9497% | 1,093 |
| Noncurrent loans to loans | 3.3175% | 1,543 |
| Net loans and leases to total assets | 66.8079% | 2,403 |
| Net loans and leases to deposits | 77.2436% | 2,623 |
| Net loans and leases to core deposits | 117.8361% | 320 |
| Total domestic deposits to total assets | 86.4898% | 3,104 |
| Equity capital to assets | 9.9873% | 4,181 |
| Core capital (leverage) ratio | 9.7094% | 3,791 |
| Tier 1 risk-based capital ratio | 12.7651% | 5,280 |
| Total risk-based capital ratio | 13.9056% | 5,303 |
| Memoranda: | ||
| Average total assets | $2,616,900,200 | 277 |
| Average earning assets | $2,272,964,400 | 288 |
| Average equity | $245,990,400 | 316 |
| Average total loans | $1,852,940,200 | 261 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9974% | 1,703 |
| Cost of funding earning assets | 1.4773% | 227 |
| Net interest margin | 3.5201% | 4,563 |
| Noninterest income to average assets | 0.8529% | 2,017 |
| Noninterest expense to average assets | 2.8098% | 3,951 |
| Loan and lease loss provision to assets | 0.9170% | 478 |
| Net operating income to assets | 0.2166% | 5,873 |
| Return on assets (ROA) | 0.3431% | 5,663 |
| Pretax return on assets | 0.3026% | 5,953 |
| Return on Equity (ROE) | 3.7211% | 5,393 |
| Retained earnings to average equity (ytd only) | 2.5657% | 5,030 |
| Net charge-offs to loans | 1.8515% | 417 |
| Credit loss provision to net charge-offs | 69.1433% | 3,929 |
| Earnings coverage of net charge-offs (x) | 0.8242% | 4,916 |
| Efficiency ratio | 71.4520% | 3,422 |
| Assets per employee ($millions) | 5.4524% | 1,684 |
| Cash dividends to net income (ytd only)* | 31.0511% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8040% | 2,782 |
| Loan loss allowance to noncurrent loans | 41.5460% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 5.1473% | 856 |
| Noncurrent loans to loans | 4.3423% | 1,116 |
| Net loans and leases to total assets | 69.9472% | 1,907 |
| Net loans and leases to deposits | 82.0557% | 2,110 |
| Net loans and leases to core deposits | 128.5937% | 204 |
| Total domestic deposits to total assets | 85.2435% | 3,641 |
| Equity capital to assets | 10.2096% | 4,189 |
| Core capital (leverage) ratio | 9.6513% | 4,047 |
| Tier 1 risk-based capital ratio | 12.7450% | 5,447 |
| Total risk-based capital ratio | 14.0024% | 5,404 |
| Memoranda: | ||
| Average total assets | $2,503,109,250 | 288 |
| Average earning assets | $2,168,851,000 | 297 |
| Average equity | $230,784,000 | 331 |
| Average total loans | $1,793,007,250 | 265 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 1,501 |
| Cost of funding earning assets | 1.5414% | 197 |
| Net interest margin | 3.5580% | 4,423 |
| Noninterest income to average assets | 1.2930% | 847 |
| Noninterest expense to average assets | 3.0266% | 3,162 |
| Loan and lease loss provision to assets | 1.1099% | 383 |
| Net operating income to assets | 0.2442% | 5,781 |
| Return on assets (ROA) | 0.3772% | 5,541 |
| Pretax return on assets | 0.3552% | 5,813 |
| Return on Equity (ROE) | 4.2610% | 5,146 |
| Retained earnings to average equity (ytd only) | 2.4047% | 4,989 |
| Net charge-offs to loans | 1.6942% | 537 |
| Credit loss provision to net charge-offs | 91.2709% | 3,002 |
| Earnings coverage of net charge-offs (x) | 1.0954% | 4,469 |
| Efficiency ratio | 68.9369% | 3,954 |
| Assets per employee ($millions) | 5.4742% | 1,644 |
| Cash dividends to net income (ytd only)* | 43.5635% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2978% | 1,594 |
| Loan loss allowance to noncurrent loans | 46.9329% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 5.9723% | 715 |
| Noncurrent loans to loans | 4.8958% | 1,021 |
| Net loans and leases to total assets | 71.1548% | 1,708 |
| Net loans and leases to deposits | 82.9706% | 1,984 |
| Net loans and leases to core deposits | 134.4975% | 181 |
| Total domestic deposits to total assets | 85.7590% | 3,480 |
| Equity capital to assets | 10.5078% | 3,679 |
| Core capital (leverage) ratio | 9.4298% | 4,254 |
| Tier 1 risk-based capital ratio | 13.2468% | 5,002 |
| Total risk-based capital ratio | 14.6816% | 4,837 |
| Memoranda: | ||
| Average total assets | $2,434,201,000 | 295 |
| Average earning assets | $2,097,421,330 | 302 |
| Average equity | $215,491,000 | 342 |
| Average total loans | $1,747,251,330 | 269 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2095% | 1,298 |
| Cost of funding earning assets | 1.5895% | 197 |
| Net interest margin | 3.6200% | 4,178 |
| Noninterest income to average assets | 0.6917% | 2,702 |
| Noninterest expense to average assets | 2.9318% | 3,502 |
| Loan and lease loss provision to assets | 0.8523% | 543 |
| Net operating income to assets | 0.0665% | 6,302 |
| Return on assets (ROA) | 0.3329% | 5,715 |
| Pretax return on assets | 0.2822% | 6,014 |
| Return on Equity (ROE) | 4.1505% | 5,224 |
| Retained earnings to average equity (ytd only) | 2.0988% | 5,223 |
| Net charge-offs to loans | 1.3218% | 769 |
| Credit loss provision to net charge-offs | 90.4945% | 2,535 |
| Earnings coverage of net charge-offs (x) | 0.9217% | 3,867 |
| Efficiency ratio | 76.5656% | 2,703 |
| Assets per employee ($millions) | 5.4469% | 1,741 |
| Cash dividends to net income (ytd only)* | 49.4315% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1049% | 2,092 |
| Loan loss allowance to noncurrent loans | 41.4924% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 6.5343% | 685 |
| Noncurrent loans to loans | 5.0730% | 1,099 |
| Net loans and leases to total assets | 70.9382% | 1,586 |
| Net loans and leases to deposits | 80.6697% | 2,109 |
| Net loans and leases to core deposits | 184.1517% | 61 |
| Total domestic deposits to total assets | 87.9367% | 2,366 |
| Equity capital to assets | 8.2104% | 6,352 |
| Core capital (leverage) ratio | 7.0423% | 6,826 |
| Tier 1 risk-based capital ratio | 10.2031% | 6,828 |
| Total risk-based capital ratio | 11.7589% | 6,724 |
| Memoranda: | ||
| Average total assets | $2,430,565,000 | 293 |
| Average earning assets | $2,086,945,500 | 300 |
| Average equity | $194,964,500 | 370 |
| Average total loans | $1,731,836,500 | 268 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3645% | 1,514 |
| Cost of funding earning assets | 1.6586% | 380 |
| Net interest margin | 3.7059% | 4,272 |
| Noninterest income to average assets | 0.4463% | 4,252 |
| Noninterest expense to average assets | 2.6201% | 5,014 |
| Loan and lease loss provision to assets | 0.8205% | 1,188 |
| Net operating income to assets | 0.2850% | 5,309 |
| Return on assets (ROA) | 0.3391% | 5,267 |
| Pretax return on assets | 0.2757% | 5,622 |
| Return on Equity (ROE) | 4.0471% | 4,823 |
| Retained earnings to average equity (ytd only) | 2.9181% | 4,162 |
| Net charge-offs to loans | 1.3162% | 1,253 |
| Credit loss provision to net charge-offs | 87.8715% | 4,104 |
| Earnings coverage of net charge-offs (x) | 1.1160% | 4,949 |
| Efficiency ratio | 71.0350% | 3,776 |
| Assets per employee ($millions) | 5.5511% | 1,582 |
| Cash dividends to net income (ytd only)* | 27.8959% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 2,858 |
| Loan loss allowance to noncurrent loans | 33.4423% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 6.5710% | 717 |
| Noncurrent loans to loans | 5.3936% | 998 |
| Net loans and leases to total assets | 68.8003% | 2,247 |
| Net loans and leases to deposits | 79.6637% | 2,587 |
| Net loans and leases to core deposits | 214.5793% | 54 |
| Total domestic deposits to total assets | 86.3634% | 3,107 |
| Equity capital to assets | 7.8358% | 6,666 |
| Core capital (leverage) ratio | 7.3799% | 6,708 |
| Tier 1 risk-based capital ratio | 9.8536% | 6,888 |
| Total risk-based capital ratio | 11.4027% | 6,799 |
| Memoranda: | ||
| Average total assets | $2,219,975,000 | 313 |
| Average earning assets | $1,926,413,000 | 321 |
| Average equity | $186,011,400 | 376 |
| Average total loans | $1,574,838,200 | 291 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3017% | 1,847 |
| Cost of funding earning assets | 1.6899% | 410 |
| Net interest margin | 3.6117% | 4,717 |
| Noninterest income to average assets | 0.2792% | 5,614 |
| Noninterest expense to average assets | 2.5532% | 5,265 |
| Loan and lease loss provision to assets | 0.6203% | 1,586 |
| Net operating income to assets | 0.3133% | 5,347 |
| Return on assets (ROA) | 0.3854% | 5,248 |
| Pretax return on assets | 0.3248% | 5,654 |
| Return on Equity (ROE) | 4.5164% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.5164% | 3,506 |
| Net charge-offs to loans | 0.9264% | 1,732 |
| Credit loss provision to net charge-offs | 94.0516% | 3,629 |
| Earnings coverage of net charge-offs (x) | 1.3238% | 4,625 |
| Efficiency ratio | 73.9932% | 3,183 |
| Assets per employee ($millions) | 5.6031% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 3,957 |
| Loan loss allowance to noncurrent loans | 26.4004% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 6.2402% | 841 |
| Noncurrent loans to loans | 5.7986% | 982 |
| Net loans and leases to total assets | 70.8038% | 1,929 |
| Net loans and leases to deposits | 84.6781% | 1,889 |
| Net loans and leases to core deposits | 252.4360% | 47 |
| Total domestic deposits to total assets | 83.6153% | 4,422 |
| Equity capital to assets | 8.7062% | 6,078 |
| Core capital (leverage) ratio | 7.5679% | 6,724 |
| Tier 1 risk-based capital ratio | 10.7953% | 6,668 |
| Total risk-based capital ratio | 12.3662% | 6,459 |
| Memoranda: | ||
| Average total assets | $2,161,572,750 | 324 |
| Average earning assets | $1,883,484,000 | 329 |
| Average equity | $184,449,500 | 385 |
| Average total loans | $1,538,777,750 | 295 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3319% | 1,781 |
| Cost of funding earning assets | 1.7043% | 460 |
| Net interest margin | 3.6277% | 4,616 |
| Noninterest income to average assets | 0.2646% | 5,758 |
| Noninterest expense to average assets | 2.5859% | 5,239 |
| Loan and lease loss provision to assets | 0.6076% | 1,582 |
| Net operating income to assets | 0.3204% | 5,290 |
| Return on assets (ROA) | 0.3330% | 5,375 |
| Pretax return on assets | 0.2374% | 5,844 |
| Return on Equity (ROE) | 3.9299% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.9299% | 3,694 |
| Net charge-offs to loans | 1.0453% | 1,505 |
| Credit loss provision to net charge-offs | 81.9368% | 3,710 |
| Earnings coverage of net charge-offs (x) | 1.1224% | 4,433 |
| Efficiency ratio | 75.1157% | 3,159 |
| Assets per employee ($millions) | 5.6756% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5272% | 3,997 |
| Loan loss allowance to noncurrent loans | 24.8435% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 6.6057% | 802 |
| Noncurrent loans to loans | 6.1473% | 951 |
| Net loans and leases to total assets | 70.2474% | 2,170 |
| Net loans and leases to deposits | 81.3964% | 2,540 |
| Net loans and leases to core deposits | 243.4859% | 58 |
| Total domestic deposits to total assets | 86.3029% | 3,154 |
| Equity capital to assets | 8.6785% | 5,968 |
| Core capital (leverage) ratio | 7.6079% | 6,660 |
| Tier 1 risk-based capital ratio | 11.1265% | 6,428 |
| Total risk-based capital ratio | 12.8227% | 6,102 |
| Memoranda: | ||
| Average total assets | $2,149,960,330 | 329 |
| Average earning assets | $1,869,079,670 | 335 |
| Average equity | $182,191,670 | 393 |
| Average total loans | $1,525,264,000 | 305 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3485% | 1,725 |
| Cost of funding earning assets | 1.7409% | 471 |
| Net interest margin | 3.6076% | 4,536 |
| Noninterest income to average assets | 0.4507% | 4,279 |
| Noninterest expense to average assets | 2.7473% | 4,654 |
| Loan and lease loss provision to assets | 0.6505% | 1,327 |
| Net operating income to assets | 0.3124% | 5,347 |
| Return on assets (ROA) | 0.3230% | 5,374 |
| Pretax return on assets | 0.2028% | 5,935 |
| Return on Equity (ROE) | 3.8581% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.8581% | 3,858 |
| Net charge-offs to loans | 1.0476% | 1,304 |
| Credit loss provision to net charge-offs | 87.7633% | 2,975 |
| Earnings coverage of net charge-offs (x) | 1.1369% | 3,811 |
| Efficiency ratio | 76.0043% | 3,163 |
| Assets per employee ($millions) | 5.9721% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 3,777 |
| Loan loss allowance to noncurrent loans | 23.4915% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 6.5411% | 849 |
| Noncurrent loans to loans | 6.7660% | 847 |
| Net loans and leases to total assets | 69.8578% | 2,155 |
| Net loans and leases to deposits | 80.5008% | 2,612 |
| Net loans and leases to core deposits | 190.9402% | 82 |
| Total domestic deposits to total assets | 86.7791% | 3,071 |
| Equity capital to assets | 8.4298% | 6,015 |
| Core capital (leverage) ratio | 7.4927% | 6,731 |
| Tier 1 risk-based capital ratio | 11.1945% | 6,355 |
| Total risk-based capital ratio | 12.9001% | 5,970 |
| Memoranda: | ||
| Average total assets | $2,152,244,000 | 329 |
| Average earning assets | $1,872,840,000 | 334 |
| Average equity | $180,194,000 | 395 |
| Average total loans | $1,522,668,000 | 305 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4987% | 2,286 |
| Cost of funding earning assets | 1.9464% | 729 |
| Net interest margin | 3.5523% | 5,032 |
| Noninterest income to average assets | 1.4329% | 698 |
| Noninterest expense to average assets | 2.8090% | 4,568 |
| Loan and lease loss provision to assets | 1.3529% | 1,121 |
| Net operating income to assets | 0.4290% | 4,414 |
| Return on assets (ROA) | 0.4565% | 4,453 |
| Pretax return on assets | 0.4460% | 4,807 |
| Return on Equity (ROE) | 5.0268% | 4,060 |
| Retained earnings to average equity (ytd only) | 4.6032% | 2,661 |
| Net charge-offs to loans | 1.4221% | 1,562 |
| Credit loss provision to net charge-offs | 139.7500% | 2,711 |
| Earnings coverage of net charge-offs (x) | 1.8299% | 4,354 |
| Efficiency ratio | 60.9087% | 5,909 |
| Assets per employee ($millions) | 6.0016% | 1,209 |
| Cash dividends to net income (ytd only)* | 8.4260% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 3,432 |
| Loan loss allowance to noncurrent loans | 25.9613% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 6.2979% | 911 |
| Noncurrent loans to loans | 6.3090% | 969 |
| Net loans and leases to total assets | 69.3541% | 2,698 |
| Net loans and leases to deposits | 81.5083% | 2,908 |
| Net loans and leases to core deposits | 165.1732% | 128 |
| Total domestic deposits to total assets | 85.0883% | 3,806 |
| Equity capital to assets | 8.3148% | 6,123 |
| Core capital (leverage) ratio | 7.4244% | 6,764 |
| Tier 1 risk-based capital ratio | 11.1852% | 6,189 |
| Total risk-based capital ratio | 13.0115% | 5,686 |
| Memoranda: | ||
| Average total assets | $1,949,989,000 | 356 |
| Average earning assets | $1,727,832,200 | 361 |
| Average equity | $177,071,800 | 394 |
| Average total loans | $1,327,429,400 | 350 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4910% | 2,462 |
| Cost of funding earning assets | 1.9532% | 870 |
| Net interest margin | 3.5379% | 5,151 |
| Noninterest income to average assets | 1.8529% | 426 |
| Noninterest expense to average assets | 2.6606% | 5,061 |
| Loan and lease loss provision to assets | 1.0091% | 1,468 |
| Net operating income to assets | 1.0047% | 2,218 |
| Return on assets (ROA) | 1.0331% | 2,231 |
| Pretax return on assets | 1.3712% | 1,965 |
| Return on Equity (ROE) | 11.1122% | 1,752 |
| Retained earnings to average equity (ytd only) | 10.5463% | 676 |
| Net charge-offs to loans | 1.3403% | 1,512 |
| Credit loss provision to net charge-offs | 111.7222% | 3,788 |
| Earnings coverage of net charge-offs (x) | 2.5933% | 3,854 |
| Efficiency ratio | 52.8056% | 6,908 |
| Assets per employee ($millions) | 6.2438% | 1,098 |
| Cash dividends to net income (ytd only)* | 5.0934% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 5,100 |
| Loan loss allowance to noncurrent loans | 21.4387% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 5.6659% | 1,077 |
| Noncurrent loans to loans | 5.9346% | 1,061 |
| Net loans and leases to total assets | 67.0114% | 3,459 |
| Net loans and leases to deposits | 78.6940% | 3,687 |
| Net loans and leases to core deposits | 123.7437% | 504 |
| Total domestic deposits to total assets | 85.1545% | 3,544 |
| Equity capital to assets | 8.7553% | 5,926 |
| Core capital (leverage) ratio | 7.5365% | 6,823 |
| Tier 1 risk-based capital ratio | 12.0735% | 5,388 |
| Total risk-based capital ratio | 13.8451% | 4,878 |
| Memoranda: | ||
| Average total assets | $1,900,345,000 | 366 |
| Average earning assets | $1,691,974,750 | 367 |
| Average equity | $176,677,500 | 391 |
| Average total loans | $1,280,554,250 | 352 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4768% | 2,623 |
| Cost of funding earning assets | 2.0187% | 859 |
| Net interest margin | 3.4581% | 5,414 |
| Noninterest income to average assets | 2.4554% | 276 |
| Noninterest expense to average assets | 2.4582% | 5,887 |
| Loan and lease loss provision to assets | 0.9899% | 1,468 |
| Net operating income to assets | 1.4839% | 942 |
| Return on assets (ROA) | 1.5313% | 906 |
| Pretax return on assets | 2.1554% | 444 |
| Return on Equity (ROE) | 16.0942% | 682 |
| Retained earnings to average equity (ytd only) | 15.2220% | 230 |
| Net charge-offs to loans | 1.1884% | 1,601 |
| Credit loss provision to net charge-offs | 123.9745% | 3,266 |
| Earnings coverage of net charge-offs (x) | 3.8555% | 3,151 |
| Efficiency ratio | 44.0683% | 7,521 |
| Assets per employee ($millions) | 8.2797% | 450 |
| Cash dividends to net income (ytd only)* | 5.4195% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 4,958 |
| Loan loss allowance to noncurrent loans | 23.3676% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 5.1158% | 1,242 |
| Noncurrent loans to loans | 5.5374% | 1,191 |
| Net loans and leases to total assets | 67.2059% | 3,570 |
| Net loans and leases to deposits | 79.1552% | 3,765 |
| Net loans and leases to core deposits | 140.8024% | 282 |
| Total domestic deposits to total assets | 84.9039% | 3,684 |
| Equity capital to assets | 8.7108% | 5,869 |
| Core capital (leverage) ratio | 7.5744% | 6,757 |
| Tier 1 risk-based capital ratio | 12.1077% | 5,217 |
| Total risk-based capital ratio | 13.9553% | 4,653 |
| Memoranda: | ||
| Average total assets | $1,807,434,330 | 381 |
| Average earning assets | $1,610,471,670 | 380 |
| Average equity | $171,975,000 | 397 |
| Average total loans | $1,214,389,330 | 374 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2491% | 3,784 |
| Cost of funding earning assets | 2.0075% | 1,060 |
| Net interest margin | 3.2416% | 6,159 |
| Noninterest income to average assets | 0.3162% | 5,619 |
| Noninterest expense to average assets | 2.1650% | 6,771 |
| Loan and lease loss provision to assets | 0.7227% | 1,760 |
| Net operating income to assets | 0.4256% | 4,733 |
| Return on assets (ROA) | 0.4295% | 4,848 |
| Pretax return on assets | 0.3520% | 5,449 |
| Return on Equity (ROE) | 4.2749% | 4,768 |
| Retained earnings to average equity (ytd only) | 2.4438% | 4,670 |
| Net charge-offs to loans | 1.0535% | 1,577 |
| Credit loss provision to net charge-offs | 103.0070% | 3,317 |
| Earnings coverage of net charge-offs (x) | 1.5262% | 3,818 |
| Efficiency ratio | 66.4468% | 5,022 |
| Assets per employee ($millions) | 6.2121% | 1,136 |
| Cash dividends to net income (ytd only)* | 42.8327% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 3,464 |
| Loan loss allowance to noncurrent loans | 138.6940% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 2.0194% | 3,477 |
| Noncurrent loans to loans | 1.1508% | 5,068 |
| Net loans and leases to total assets | 65.8931% | 3,880 |
| Net loans and leases to deposits | 79.3618% | 3,769 |
| Net loans and leases to core deposits | 169.1303% | 158 |
| Total domestic deposits to total assets | 83.0287% | 4,611 |
| Equity capital to assets | 10.0044% | 3,872 |
| Core capital (leverage) ratio | 8.2336% | 5,860 |
| Tier 1 risk-based capital ratio | 10.9053% | 6,246 |
| Total risk-based capital ratio | 12.8119% | 5,594 |
| Memoranda: | ||
| Average total assets | $1,630,646,000 | 430 |
| Average earning assets | $1,468,669,500 | 435 |
| Average equity | $163,841,500 | 421 |
| Average total loans | $1,085,901,000 | 437 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2447% | 5,437 |
| Cost of funding earning assets | 2.2030% | 2,019 |
| Net interest margin | 3.0417% | 6,538 |
| Noninterest income to average assets | 0.4940% | 4,460 |
| Noninterest expense to average assets | 2.0369% | 7,307 |
| Loan and lease loss provision to assets | 0.9726% | 2,321 |
| Net operating income to assets | 0.2329% | 4,792 |
| Return on assets (ROA) | 0.4558% | 4,030 |
| Pretax return on assets | 0.4382% | 4,379 |
| Return on Equity (ROE) | 4.9996% | 3,664 |
| Retained earnings to average equity (ytd only) | 4.8425% | 1,906 |
| Net charge-offs to loans | 1.1291% | 2,171 |
| Credit loss provision to net charge-offs | 135.1815% | 3,668 |
| Earnings coverage of net charge-offs (x) | 1.6510% | 4,498 |
| Efficiency ratio | 62.6917% | 6,023 |
| Assets per employee ($millions) | 6.2355% | 1,114 |
| Cash dividends to net income (ytd only)* | 3.1432% | 3,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 3,285 |
| Loan loss allowance to noncurrent loans | 92.5516% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 2.0216% | 3,373 |
| Noncurrent loans to loans | 1.7286% | 4,041 |
| Net loans and leases to total assets | 65.1666% | 4,345 |
| Net loans and leases to deposits | 78.8390% | 4,206 |
| Net loans and leases to core deposits | 134.0142% | 1,053 |
| Total domestic deposits to total assets | 82.6578% | 4,675 |
| Equity capital to assets | 10.0908% | 3,632 |
| Core capital (leverage) ratio | 8.3231% | 5,572 |
| Tier 1 risk-based capital ratio | 10.8736% | 6,039 |
| Total risk-based capital ratio | 12.7852% | 5,319 |
| Memoranda: | ||
| Average total assets | $1,619,308,800 | 425 |
| Average earning assets | $1,453,780,200 | 431 |
| Average equity | $147,631,600 | 457 |
| Average total loans | $1,031,898,800 | 465 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2813% | 5,521 |
| Cost of funding earning assets | 2.2695% | 2,110 |
| Net interest margin | 3.0117% | 6,574 |
| Noninterest income to average assets | 0.4986% | 4,494 |
| Noninterest expense to average assets | 2.0133% | 7,356 |
| Loan and lease loss provision to assets | 0.9077% | 2,113 |
| Net operating income to assets | 0.2867% | 4,836 |
| Return on assets (ROA) | 0.4470% | 4,308 |
| Pretax return on assets | 0.4378% | 4,697 |
| Return on Equity (ROE) | 5.0392% | 3,949 |
| Retained earnings to average equity (ytd only) | 4.8234% | 2,594 |
| Net charge-offs to loans | 0.9841% | 2,000 |
| Credit loss provision to net charge-offs | 146.1988% | 3,327 |
| Earnings coverage of net charge-offs (x) | 1.9088% | 4,377 |
| Efficiency ratio | 62.4690% | 6,024 |
| Assets per employee ($millions) | 6.7073% | 892 |
| Cash dividends to net income (ytd only)* | 4.2829% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 3,021 |
| Loan loss allowance to noncurrent loans | 142.5545% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 1.4344% | 4,236 |
| Noncurrent loans to loans | 1.1171% | 5,080 |
| Net loans and leases to total assets | 60.5248% | 5,499 |
| Net loans and leases to deposits | 71.9255% | 5,667 |
| Net loans and leases to core deposits | 135.9471% | 1,102 |
| Total domestic deposits to total assets | 84.1493% | 3,655 |
| Equity capital to assets | 8.6720% | 6,001 |
| Core capital (leverage) ratio | 7.1450% | 7,310 |
| Tier 1 risk-based capital ratio | 9.6526% | 7,272 |
| Total risk-based capital ratio | 11.5678% | 6,606 |
| Memoranda: | ||
| Average total assets | $1,615,707,750 | 439 |
| Average earning assets | $1,448,428,750 | 444 |
| Average equity | $143,326,000 | 481 |
| Average total loans | $1,019,387,250 | 488 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2407% | 5,911 |
| Cost of funding earning assets | 2.3345% | 2,222 |
| Net interest margin | 2.9062% | 6,790 |
| Noninterest income to average assets | 0.5071% | 4,385 |
| Noninterest expense to average assets | 2.0107% | 7,443 |
| Loan and lease loss provision to assets | 0.7564% | 2,173 |
| Net operating income to assets | 0.4273% | 4,388 |
| Return on assets (ROA) | 0.4123% | 4,570 |
| Pretax return on assets | 0.3807% | 4,990 |
| Return on Equity (ROE) | 4.6104% | 4,251 |
| Retained earnings to average equity (ytd only) | 4.2833% | 2,918 |
| Net charge-offs to loans | 0.8205% | 2,050 |
| Credit loss provision to net charge-offs | 144.8226% | 3,199 |
| Earnings coverage of net charge-offs (x) | 2.2059% | 3,963 |
| Efficiency ratio | 63.5722% | 5,990 |
| Assets per employee ($millions) | 6.6039% | 925 |
| Cash dividends to net income (ytd only)* | 7.0948% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 3,290 |
| Loan loss allowance to noncurrent loans | 259.9103% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 1.1600% | 4,620 |
| Noncurrent loans to loans | 0.5706% | 6,123 |
| Net loans and leases to total assets | 62.6286% | 5,246 |
| Net loans and leases to deposits | 74.4164% | 5,391 |
| Net loans and leases to core deposits | 150.0043% | 651 |
| Total domestic deposits to total assets | 84.1596% | 3,669 |
| Equity capital to assets | 9.1097% | 5,154 |
| Core capital (leverage) ratio | 7.1204% | 7,435 |
| Tier 1 risk-based capital ratio | 9.8953% | 7,046 |
| Total risk-based capital ratio | 11.8483% | 6,236 |
| Memoranda: | ||
| Average total assets | $1,586,388,670 | 458 |
| Average earning assets | $1,449,737,330 | 457 |
| Average equity | $141,854,000 | 499 |
| Average total loans | $1,009,907,670 | 504 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2095% | 6,255 |
| Cost of funding earning assets | 2.4572% | 2,081 |
| Net interest margin | 2.7523% | 7,085 |
| Noninterest income to average assets | 0.4963% | 4,353 |
| Noninterest expense to average assets | 1.8817% | 7,581 |
| Loan and lease loss provision to assets | 0.7592% | 1,696 |
| Net operating income to assets | 0.4047% | 4,838 |
| Return on assets (ROA) | 0.4047% | 5,021 |
| Pretax return on assets | 0.3743% | 5,466 |
| Return on Equity (ROE) | 4.5690% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.5690% | 3,393 |
| Net charge-offs to loans | 0.6777% | 1,826 |
| Credit loss provision to net charge-offs | 175.8499% | 2,452 |
| Earnings coverage of net charge-offs (x) | 2.6254% | 3,446 |
| Efficiency ratio | 62.4056% | 5,980 |
| Assets per employee ($millions) | 6.9082% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 3,269 |
| Loan loss allowance to noncurrent loans | 191.3961% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 1.0961% | 4,493 |
| Noncurrent loans to loans | 0.7538% | 5,541 |
| Net loans and leases to total assets | 62.3612% | 5,260 |
| Net loans and leases to deposits | 76.7805% | 5,116 |
| Net loans and leases to core deposits | 155.5527% | 571 |
| Total domestic deposits to total assets | 81.2201% | 4,882 |
| Equity capital to assets | 8.7500% | 5,694 |
| Core capital (leverage) ratio | 7.1072% | 7,552 |
| Tier 1 risk-based capital ratio | 9.7838% | 7,161 |
| Total risk-based capital ratio | 11.7384% | 6,323 |
| Memoranda: | ||
| Average total assets | $1,580,508,000 | 464 |
| Average earning assets | $1,446,513,000 | 461 |
| Average equity | $139,988,000 | 498 |
| Average total loans | $1,006,878,500 | 509 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0251% | 5,430 |
| Cost of funding earning assets | 3.0888% | 1,541 |
| Net interest margin | 2.9363% | 7,060 |
| Noninterest income to average assets | 0.5425% | 4,297 |
| Noninterest expense to average assets | 2.1490% | 7,113 |
| Loan and lease loss provision to assets | 0.5563% | 2,589 |
| Net operating income to assets | 0.4562% | 4,922 |
| Return on assets (ROA) | 0.4726% | 4,672 |
| Pretax return on assets | 0.5052% | 4,961 |
| Return on Equity (ROE) | 5.0281% | 4,376 |
| Retained earnings to average equity (ytd only) | 4.4267% | 2,371 |
| Net charge-offs to loans | 0.5727% | 2,100 |
| Credit loss provision to net charge-offs | 125.2434% | 4,267 |
| Earnings coverage of net charge-offs (x) | 2.3503% | 4,909 |
| Efficiency ratio | 67.3045% | 4,852 |
| Assets per employee ($millions) | 6.7185% | 802 |
| Cash dividends to net income (ytd only)* | 11.9614% | 4,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 3,709 |
| Loan loss allowance to noncurrent loans | 104.4021% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.0533% | 4,184 |
| Noncurrent loans to loans | 1.2548% | 4,004 |
| Net loans and leases to total assets | 63.3023% | 5,402 |
| Net loans and leases to deposits | 86.5191% | 4,031 |
| Net loans and leases to core deposits | 281.7738% | 53 |
| Total domestic deposits to total assets | 73.1657% | 6,798 |
| Equity capital to assets | 8.9655% | 5,415 |
| Core capital (leverage) ratio | 8.4362% | 5,683 |
| Tier 1 risk-based capital ratio | 9.6027% | 7,209 |
| Total risk-based capital ratio | 11.4609% | 6,368 |
| Memoranda: | ||
| Average total assets | $1,271,807,800 | 532 |
| Average earning assets | $1,147,985,000 | 533 |
| Average equity | $119,548,600 | 569 |
| Average total loans | $986,438,400 | 499 |