Home > Cardinal Bank > Performance and Condition Ratios
Cardinal Bank, 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 | 3.7587% | 3,905 |
| Cost of funding earning assets | 0.5699% | 1,583 |
| Net interest margin | 3.1888% | 4,379 |
| Noninterest income to average assets | 1.2680% | 630 |
| Noninterest expense to average assets | 2.4312% | 4,027 |
| Loan and lease loss provision to assets | 0.0745% | 2,313 |
| Net operating income to assets | 1.2226% | 1,453 |
| Return on assets (ROA) | 1.2210% | 1,495 |
| Pretax return on assets | 1.8342% | 738 |
| Return on Equity (ROE) | 11.3985% | 1,437 |
| Retained earnings to average equity (ytd only) | 6.0812% | 2,288 |
| Net charge-offs to loans | 0.0281% | 2,189 |
| Credit loss provision to net charge-offs | 310.2767% | 768 |
| Earnings coverage of net charge-offs (x) | 79.5692% | 656 |
| Efficiency ratio | 55.7115% | 4,962 |
| Assets per employee ($millions) | 5.1111% | 2,288 |
| Cash dividends to net income (ytd only)* | 46.6490% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 4,778 |
| Loan loss allowance to noncurrent loans | 545.2228% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 4,705 |
| Noncurrent loans to loans | 0.1640% | 4,526 |
| Net loans and leases to total assets | 84.0712% | 360 |
| Net loans and leases to deposits | 103.9821% | 402 |
| Net loans and leases to core deposits | 143.2426% | 146 |
| Total domestic deposits to total assets | 80.8516% | 4,444 |
| Equity capital to assets | 10.6910% | 2,971 |
| Core capital (leverage) ratio | 10.9667% | 2,393 |
| Tier 1 risk-based capital ratio | 11.5702% | 4,986 |
| Total risk-based capital ratio | 12.4209% | 5,115 |
| Memoranda: | ||
| Average total assets | $4,213,517,000 | 240 |
| Average earning assets | $4,062,279,000 | 228 |
| Average equity | $451,358,000 | 246 |
| Average total loans | $3,595,303,500 | 207 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9416% | 3,413 |
| Cost of funding earning assets | 0.6266% | 1,166 |
| Net interest margin | 3.3150% | 4,098 |
| Noninterest income to average assets | 1.3267% | 648 |
| Noninterest expense to average assets | 2.6177% | 3,625 |
| Loan and lease loss provision to assets | -0.0064% | 5,478 |
| Net operating income to assets | 1.2790% | 1,272 |
| Return on assets (ROA) | 1.3539% | 1,142 |
| Pretax return on assets | 2.0190% | 474 |
| Return on Equity (ROE) | 12.9142% | 1,010 |
| Retained earnings to average equity (ytd only) | 9.8499% | 431 |
| Net charge-offs to loans | -0.0087% | 4,908 |
| Credit loss provision to net charge-offs | 85.7143% | 2,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6128% | 4,894 |
| Assets per employee ($millions) | 5.0295% | 2,361 |
| Cash dividends to net income (ytd only)* | 23.7282% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,825 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 85.0745% | 297 |
| Net loans and leases to deposits | 107.5026% | 289 |
| Net loans and leases to core deposits | 144.9372% | 146 |
| Total domestic deposits to total assets | 79.1372% | 4,763 |
| Equity capital to assets | 10.7338% | 2,885 |
| Core capital (leverage) ratio | 10.6619% | 2,705 |
| Tier 1 risk-based capital ratio | 11.5387% | 5,032 |
| Total risk-based capital ratio | 12.3875% | 5,149 |
| Memoranda: | ||
| Average total assets | $4,108,877,000 | 230 |
| Average earning assets | $3,956,159,600 | 220 |
| Average equity | $430,767,600 | 243 |
| Average total loans | $3,551,374,800 | 199 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9237% | 3,510 |
| Cost of funding earning assets | 0.6399% | 1,097 |
| Net interest margin | 3.2837% | 4,238 |
| Noninterest income to average assets | 1.5456% | 515 |
| Noninterest expense to average assets | 2.6616% | 3,461 |
| Loan and lease loss provision to assets | 0.0544% | 3,175 |
| Net operating income to assets | 1.3147% | 1,251 |
| Return on assets (ROA) | 1.3947% | 1,133 |
| Pretax return on assets | 2.1124% | 453 |
| Return on Equity (ROE) | 13.3851% | 947 |
| Retained earnings to average equity (ytd only) | 9.2593% | 743 |
| Net charge-offs to loans | -0.0093% | 4,759 |
| Credit loss provision to net charge-offs | -673.3871% | 5,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2263% | 5,041 |
| Assets per employee ($millions) | 5.0518% | 2,308 |
| Cash dividends to net income (ytd only)* | 30.8238% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 4,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 86.6272% | 208 |
| Net loans and leases to deposits | 110.8352% | 241 |
| Net loans and leases to core deposits | 144.7315% | 156 |
| Total domestic deposits to total assets | 78.1586% | 4,885 |
| Equity capital to assets | 10.5801% | 3,477 |
| Core capital (leverage) ratio | 10.1411% | 3,391 |
| Tier 1 risk-based capital ratio | 11.1032% | 5,317 |
| Total risk-based capital ratio | 11.9948% | 5,410 |
| Memoranda: | ||
| Average total assets | $4,093,728,250 | 231 |
| Average earning assets | $3,941,294,500 | 220 |
| Average equity | $426,574,000 | 246 |
| Average total loans | $3,544,487,250 | 200 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 3,744 |
| Cost of funding earning assets | 0.6544% | 1,033 |
| Net interest margin | 3.2042% | 4,528 |
| Noninterest income to average assets | 1.5581% | 501 |
| Noninterest expense to average assets | 2.6732% | 3,474 |
| Loan and lease loss provision to assets | 0.0335% | 3,482 |
| Net operating income to assets | 1.2838% | 1,321 |
| Return on assets (ROA) | 1.4048% | 1,111 |
| Pretax return on assets | 2.1169% | 453 |
| Return on Equity (ROE) | 13.5526% | 916 |
| Retained earnings to average equity (ytd only) | 9.4220% | 738 |
| Net charge-offs to loans | -0.0331% | 5,173 |
| Credit loss provision to net charge-offs | -117.0396% | 4,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2750% | 4,994 |
| Assets per employee ($millions) | 4.8316% | 2,515 |
| Cash dividends to net income (ytd only)* | 30.4782% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 4,917 |
| Loan loss allowance to noncurrent loans | 80,448.7805% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 5,644 |
| Noncurrent loans to loans | 0.0011% | 5,516 |
| Net loans and leases to total assets | 86.0628% | 248 |
| Net loans and leases to deposits | 109.3725% | 270 |
| Net loans and leases to core deposits | 150.5756% | 122 |
| Total domestic deposits to total assets | 78.6878% | 4,852 |
| Equity capital to assets | 10.4130% | 3,731 |
| Core capital (leverage) ratio | 10.3148% | 3,172 |
| Tier 1 risk-based capital ratio | 10.9461% | 5,442 |
| Total risk-based capital ratio | 11.8293% | 5,554 |
| Memoranda: | ||
| Average total assets | $4,064,002,670 | 231 |
| Average earning assets | $3,909,077,670 | 221 |
| Average equity | $421,247,330 | 248 |
| Average total loans | $3,506,925,000 | 200 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 3,683 |
| Cost of funding earning assets | 0.6763% | 910 |
| Net interest margin | 3.1986% | 4,584 |
| Noninterest income to average assets | 1.5200% | 492 |
| Noninterest expense to average assets | 2.5375% | 3,954 |
| Loan and lease loss provision to assets | 0.0249% | 3,351 |
| Net operating income to assets | 1.3663% | 1,102 |
| Return on assets (ROA) | 1.3738% | 1,149 |
| Pretax return on assets | 2.0468% | 516 |
| Return on Equity (ROE) | 13.2855% | 974 |
| Retained earnings to average equity (ytd only) | 9.2401% | 1,044 |
| Net charge-offs to loans | -0.0503% | 5,331 |
| Credit loss provision to net charge-offs | -57.6037% | 4,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8349% | 5,297 |
| Assets per employee ($millions) | 4.5941% | 2,907 |
| Cash dividends to net income (ytd only)* | 30.4502% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 4,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 85.0632% | 290 |
| Net loans and leases to deposits | 108.0724% | 279 |
| Net loans and leases to core deposits | 143.8866% | 142 |
| Total domestic deposits to total assets | 78.7095% | 5,028 |
| Equity capital to assets | 10.4541% | 3,553 |
| Core capital (leverage) ratio | 10.2181% | 3,296 |
| Tier 1 risk-based capital ratio | 10.5977% | 5,712 |
| Total risk-based capital ratio | 11.4617% | 5,792 |
| Memoranda: | ||
| Average total assets | $4,015,985,500 | 233 |
| Average earning assets | $3,864,594,000 | 223 |
| Average equity | $415,278,500 | 249 |
| Average total loans | $3,453,772,500 | 202 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 3,357 |
| Cost of funding earning assets | 0.6625% | 1,003 |
| Net interest margin | 3.3249% | 4,197 |
| Noninterest income to average assets | 1.3046% | 711 |
| Noninterest expense to average assets | 2.5023% | 4,218 |
| Loan and lease loss provision to assets | 0.0379% | 3,589 |
| Net operating income to assets | 1.2980% | 1,270 |
| Return on assets (ROA) | 1.3187% | 1,268 |
| Pretax return on assets | 1.9900% | 546 |
| Return on Equity (ROE) | 12.3675% | 1,215 |
| Retained earnings to average equity (ytd only) | 9.0171% | 647 |
| Net charge-offs to loans | -0.0651% | 5,642 |
| Credit loss provision to net charge-offs | -67.3786% | 5,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1768% | 5,424 |
| Assets per employee ($millions) | 4.7319% | 2,687 |
| Cash dividends to net income (ytd only)* | 27.0907% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 5,002 |
| Loan loss allowance to noncurrent loans | 6,100.5769% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 5,617 |
| Noncurrent loans to loans | 0.0151% | 5,471 |
| Net loans and leases to total assets | 85.3427% | 283 |
| Net loans and leases to deposits | 111.7230% | 208 |
| Net loans and leases to core deposits | 147.1393% | 126 |
| Total domestic deposits to total assets | 76.3878% | 5,403 |
| Equity capital to assets | 10.2259% | 3,712 |
| Core capital (leverage) ratio | 10.1122% | 3,371 |
| Tier 1 risk-based capital ratio | 10.4678% | 5,789 |
| Total risk-based capital ratio | 11.3266% | 5,866 |
| Memoranda: | ||
| Average total assets | $3,667,014,600 | 240 |
| Average earning assets | $3,522,768,000 | 230 |
| Average equity | $390,991,600 | 252 |
| Average total loans | $3,164,842,600 | 203 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 3,324 |
| Cost of funding earning assets | 0.6549% | 1,066 |
| Net interest margin | 3.3481% | 4,150 |
| Noninterest income to average assets | 1.4414% | 598 |
| Noninterest expense to average assets | 2.5077% | 4,173 |
| Loan and lease loss provision to assets | 0.0349% | 3,524 |
| Net operating income to assets | 1.4071% | 1,091 |
| Return on assets (ROA) | 1.4357% | 1,083 |
| Pretax return on assets | 2.1570% | 456 |
| Return on Equity (ROE) | 13.3137% | 1,057 |
| Retained earnings to average equity (ytd only) | 8.7962% | 977 |
| Net charge-offs to loans | -0.1015% | 5,792 |
| Credit loss provision to net charge-offs | -39.8219% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3990% | 5,559 |
| Assets per employee ($millions) | 4.7146% | 2,675 |
| Cash dividends to net income (ytd only)* | 33.9308% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 4,945 |
| Loan loss allowance to noncurrent loans | 4,385.0000% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 5,721 |
| Noncurrent loans to loans | 0.0218% | 5,547 |
| Net loans and leases to total assets | 84.9563% | 308 |
| Net loans and leases to deposits | 110.1728% | 252 |
| Net loans and leases to core deposits | 145.5155% | 133 |
| Total domestic deposits to total assets | 77.1118% | 5,323 |
| Equity capital to assets | 10.3664% | 3,736 |
| Core capital (leverage) ratio | 10.3305% | 3,219 |
| Tier 1 risk-based capital ratio | 10.4201% | 5,908 |
| Total risk-based capital ratio | 11.2972% | 5,980 |
| Memoranda: | ||
| Average total assets | $3,585,336,500 | 248 |
| Average earning assets | $3,443,248,750 | 237 |
| Average equity | $386,640,750 | 257 |
| Average total loans | $3,096,033,750 | 209 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0232% | 3,193 |
| Cost of funding earning assets | 0.6479% | 1,118 |
| Net interest margin | 3.3752% | 3,984 |
| Noninterest income to average assets | 1.6911% | 471 |
| Noninterest expense to average assets | 2.5255% | 4,156 |
| Loan and lease loss provision to assets | 0.0849% | 2,419 |
| Net operating income to assets | 1.5285% | 858 |
| Return on assets (ROA) | 1.5429% | 872 |
| Pretax return on assets | 2.3398% | 319 |
| Return on Equity (ROE) | 14.1074% | 879 |
| Retained earnings to average equity (ytd only) | 9.0911% | 893 |
| Net charge-offs to loans | -0.0289% | 5,316 |
| Credit loss provision to net charge-offs | -340.0458% | 5,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7978% | 5,810 |
| Assets per employee ($millions) | 4.6517% | 2,744 |
| Cash dividends to net income (ytd only)* | 35.5582% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 5,185 |
| Loan loss allowance to noncurrent loans | 3,340.4867% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 5,795 |
| Noncurrent loans to loans | 0.0278% | 5,647 |
| Net loans and leases to total assets | 86.4499% | 213 |
| Net loans and leases to deposits | 108.9238% | 287 |
| Net loans and leases to core deposits | 145.4153% | 133 |
| Total domestic deposits to total assets | 79.3674% | 5,009 |
| Equity capital to assets | 10.4523% | 3,497 |
| Core capital (leverage) ratio | 10.4916% | 2,969 |
| Tier 1 risk-based capital ratio | 10.2940% | 5,996 |
| Total risk-based capital ratio | 11.1431% | 6,069 |
| Memoranda: | ||
| Average total assets | $3,499,647,670 | 252 |
| Average earning assets | $3,356,623,330 | 242 |
| Average equity | $382,748,330 | 262 |
| Average total loans | $3,029,400,000 | 215 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 3,045 |
| Cost of funding earning assets | 0.6506% | 1,111 |
| Net interest margin | 3.4001% | 3,842 |
| Noninterest income to average assets | 2.0425% | 361 |
| Noninterest expense to average assets | 2.6535% | 3,736 |
| Loan and lease loss provision to assets | 0.0154% | 3,524 |
| Net operating income to assets | 1.7402% | 539 |
| Return on assets (ROA) | 1.7559% | 553 |
| Pretax return on assets | 2.6594% | 196 |
| Return on Equity (ROE) | 15.6733% | 607 |
| Retained earnings to average equity (ytd only) | 10.6126% | 792 |
| Net charge-offs to loans | -0.0657% | 5,661 |
| Credit loss provision to net charge-offs | -27.1399% | 4,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5858% | 5,938 |
| Assets per employee ($millions) | 4.7694% | 2,660 |
| Cash dividends to net income (ytd only)* | 32.2884% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9823% | 5,120 |
| Loan loss allowance to noncurrent loans | 1,457.3158% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 5,704 |
| Noncurrent loans to loans | 0.0674% | 5,506 |
| Net loans and leases to total assets | 85.3793% | 227 |
| Net loans and leases to deposits | 108.9327% | 237 |
| Net loans and leases to core deposits | 138.0583% | 165 |
| Total domestic deposits to total assets | 78.3781% | 5,372 |
| Equity capital to assets | 11.2877% | 2,661 |
| Core capital (leverage) ratio | 10.9968% | 2,417 |
| Tier 1 risk-based capital ratio | 10.5799% | 5,990 |
| Total risk-based capital ratio | 11.4333% | 6,056 |
| Memoranda: | ||
| Average total assets | $3,386,473,000 | 257 |
| Average earning assets | $3,248,860,500 | 246 |
| Average equity | $379,397,000 | 263 |
| Average total loans | $2,918,440,000 | 219 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 2,775 |
| Cost of funding earning assets | 0.6748% | 1,246 |
| Net interest margin | 3.5761% | 3,486 |
| Noninterest income to average assets | 1.1600% | 896 |
| Noninterest expense to average assets | 2.8033% | 3,468 |
| Loan and lease loss provision to assets | 0.0610% | 3,299 |
| Net operating income to assets | 1.1426% | 1,802 |
| Return on assets (ROA) | 1.1656% | 1,768 |
| Pretax return on assets | 1.7442% | 901 |
| Return on Equity (ROE) | 10.4250% | 1,943 |
| Retained earnings to average equity (ytd only) | 0.9324% | 5,362 |
| Net charge-offs to loans | 0.0567% | 3,697 |
| Credit loss provision to net charge-offs | 126.9155% | 1,886 |
| Earnings coverage of net charge-offs (x) | 36.8199% | 1,156 |
| Efficiency ratio | 60.7531% | 5,107 |
| Assets per employee ($millions) | 4.6383% | 2,816 |
| Cash dividends to net income (ytd only)* | 91.0565% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 5,168 |
| Loan loss allowance to noncurrent loans | 628.7525% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 5,496 |
| Noncurrent loans to loans | 0.1553% | 5,275 |
| Net loans and leases to total assets | 85.2909% | 254 |
| Net loans and leases to deposits | 112.1229% | 192 |
| Net loans and leases to core deposits | 137.8894% | 179 |
| Total domestic deposits to total assets | 76.0691% | 5,718 |
| Equity capital to assets | 11.1177% | 2,786 |
| Core capital (leverage) ratio | 10.7739% | 2,645 |
| Tier 1 risk-based capital ratio | 10.8008% | 5,990 |
| Total risk-based capital ratio | 11.6886% | 6,069 |
| Memoranda: | ||
| Average total assets | $3,175,076,800 | 259 |
| Average earning assets | $3,031,276,600 | 247 |
| Average equity | $355,013,600 | 262 |
| Average total loans | $2,695,361,000 | 217 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 2,661 |
| Cost of funding earning assets | 0.6713% | 1,310 |
| Net interest margin | 3.6227% | 3,339 |
| Noninterest income to average assets | 1.1616% | 889 |
| Noninterest expense to average assets | 2.8944% | 3,140 |
| Loan and lease loss provision to assets | 0.1083% | 2,229 |
| Net operating income to assets | 1.0654% | 2,171 |
| Return on assets (ROA) | 1.0841% | 2,163 |
| Pretax return on assets | 1.6405% | 1,209 |
| Return on Equity (ROE) | 9.6810% | 2,358 |
| Retained earnings to average equity (ytd only) | -1.9278% | 6,065 |
| Net charge-offs to loans | 0.0438% | 3,627 |
| Credit loss provision to net charge-offs | 292.7419% | 923 |
| Earnings coverage of net charge-offs (x) | 46.5025% | 1,023 |
| Efficiency ratio | 62.1856% | 4,862 |
| Assets per employee ($millions) | 4.4505% | 3,054 |
| Cash dividends to net income (ytd only)* | 119.9135% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 4,971 |
| Loan loss allowance to noncurrent loans | 471.5358% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 5,452 |
| Noncurrent loans to loans | 0.2235% | 5,227 |
| Net loans and leases to total assets | 84.5503% | 297 |
| Net loans and leases to deposits | 113.4635% | 158 |
| Net loans and leases to core deposits | 139.0082% | 157 |
| Total domestic deposits to total assets | 74.5176% | 5,966 |
| Equity capital to assets | 11.1059% | 2,854 |
| Core capital (leverage) ratio | 10.7487% | 2,759 |
| Tier 1 risk-based capital ratio | 10.9731% | 6,004 |
| Total risk-based capital ratio | 11.9373% | 6,091 |
| Memoranda: | ||
| Average total assets | $3,128,146,000 | 258 |
| Average earning assets | $2,981,793,750 | 247 |
| Average equity | $350,300,250 | 259 |
| Average total loans | $2,645,092,000 | 217 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 2,635 |
| Cost of funding earning assets | 0.6736% | 1,350 |
| Net interest margin | 3.6119% | 3,312 |
| Noninterest income to average assets | 1.2764% | 725 |
| Noninterest expense to average assets | 3.0555% | 2,648 |
| Loan and lease loss provision to assets | 0.1651% | 1,483 |
| Net operating income to assets | 0.9853% | 2,381 |
| Return on assets (ROA) | 0.9846% | 2,466 |
| Pretax return on assets | 1.4939% | 1,555 |
| Return on Equity (ROE) | 8.7663% | 2,708 |
| Retained earnings to average equity (ytd only) | -7.1461% | 6,347 |
| Net charge-offs to loans | 0.0647% | 3,064 |
| Credit loss provision to net charge-offs | 302.8605% | 844 |
| Earnings coverage of net charge-offs (x) | 30.4470% | 1,248 |
| Efficiency ratio | 64.2540% | 4,654 |
| Assets per employee ($millions) | 4.2109% | 3,436 |
| Cash dividends to net income (ytd only)* | 181.5182% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 5,011 |
| Loan loss allowance to noncurrent loans | 472.3758% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 5,552 |
| Noncurrent loans to loans | 0.2274% | 5,320 |
| Net loans and leases to total assets | 83.9760% | 303 |
| Net loans and leases to deposits | 110.9232% | 185 |
| Net loans and leases to core deposits | 136.8099% | 163 |
| Total domestic deposits to total assets | 75.7065% | 5,952 |
| Equity capital to assets | 11.0279% | 2,847 |
| Core capital (leverage) ratio | 10.8171% | 2,609 |
| Tier 1 risk-based capital ratio | 11.1286% | 5,997 |
| Total risk-based capital ratio | 12.1297% | 6,044 |
| Memoranda: | ||
| Average total assets | $3,077,515,330 | 257 |
| Average earning assets | $2,930,412,330 | 249 |
| Average equity | $345,641,330 | 256 |
| Average total loans | $2,592,516,670 | 217 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,521 |
| Cost of funding earning assets | 0.6763% | 1,398 |
| Net interest margin | 3.6230% | 3,165 |
| Noninterest income to average assets | 1.1138% | 900 |
| Noninterest expense to average assets | 3.2165% | 2,175 |
| Loan and lease loss provision to assets | 0.2572% | 829 |
| Net operating income to assets | 0.7155% | 3,602 |
| Return on assets (ROA) | 0.7140% | 3,699 |
| Pretax return on assets | 1.0876% | 2,964 |
| Return on Equity (ROE) | 6.2954% | 3,856 |
| Retained earnings to average equity (ytd only) | -26.0882% | 6,595 |
| Net charge-offs to loans | 0.1110% | 2,070 |
| Credit loss provision to net charge-offs | 276.3271% | 842 |
| Earnings coverage of net charge-offs (x) | 14.4720% | 1,607 |
| Efficiency ratio | 69.8955% | 3,855 |
| Assets per employee ($millions) | 3.8897% | 4,155 |
| Cash dividends to net income (ytd only)* | 514.4033% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,052 |
| Loan loss allowance to noncurrent loans | 588.0938% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 5,765 |
| Noncurrent loans to loans | 0.1895% | 5,528 |
| Net loans and leases to total assets | 83.0768% | 290 |
| Net loans and leases to deposits | 108.1400% | 187 |
| Net loans and leases to core deposits | 132.7970% | 166 |
| Total domestic deposits to total assets | 76.8234% | 5,987 |
| Equity capital to assets | 11.1122% | 2,615 |
| Core capital (leverage) ratio | 10.6403% | 2,770 |
| Tier 1 risk-based capital ratio | 10.7969% | 6,242 |
| Total risk-based capital ratio | 11.7830% | 6,288 |
| Memoranda: | ||
| Average total assets | $2,995,091,500 | 262 |
| Average earning assets | $2,851,919,000 | 250 |
| Average equity | $339,679,000 | 257 |
| Average total loans | $2,512,588,000 | 221 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 3,504 |
| Cost of funding earning assets | 0.7681% | 1,393 |
| Net interest margin | 3.3906% | 4,312 |
| Noninterest income to average assets | 1.0263% | 1,330 |
| Noninterest expense to average assets | 2.7803% | 3,796 |
| Loan and lease loss provision to assets | -0.0011% | 6,244 |
| Net operating income to assets | 0.9936% | 2,354 |
| Return on assets (ROA) | 0.9867% | 2,455 |
| Pretax return on assets | 1.4655% | 1,566 |
| Return on Equity (ROE) | 8.7460% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.1308% | 1,016 |
| Net charge-offs to loans | -0.0205% | 6,148 |
| Credit loss provision to net charge-offs | 6.4516% | 4,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2198% | 4,697 |
| Assets per employee ($millions) | 3.5984% | 4,686 |
| Cash dividends to net income (ytd only)* | 7.0346% | 4,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 4,891 |
| Loan loss allowance to noncurrent loans | 1,204.1487% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 6,106 |
| Noncurrent loans to loans | 0.0959% | 5,924 |
| Net loans and leases to total assets | 82.7912% | 342 |
| Net loans and leases to deposits | 115.4183% | 105 |
| Net loans and leases to core deposits | 145.9783% | 111 |
| Total domestic deposits to total assets | 71.7314% | 6,441 |
| Equity capital to assets | 11.5881% | 2,109 |
| Core capital (leverage) ratio | 11.6904% | 1,836 |
| Tier 1 risk-based capital ratio | 11.8216% | 5,726 |
| Total risk-based capital ratio | 12.8733% | 5,780 |
| Memoranda: | ||
| Average total assets | $2,881,468,200 | 261 |
| Average earning assets | $2,743,942,800 | 249 |
| Average equity | $325,073,600 | 259 |
| Average total loans | $2,418,752,000 | 214 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 3,619 |
| Cost of funding earning assets | 0.7762% | 1,449 |
| Net interest margin | 3.3592% | 4,435 |
| Noninterest income to average assets | 1.0777% | 1,261 |
| Noninterest expense to average assets | 2.7592% | 3,798 |
| Loan and lease loss provision to assets | -0.0200% | 6,487 |
| Net operating income to assets | 1.0297% | 2,262 |
| Return on assets (ROA) | 1.0297% | 2,341 |
| Pretax return on assets | 1.5349% | 1,508 |
| Return on Equity (ROE) | 9.1894% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.3635% | 1,261 |
| Net charge-offs to loans | -0.0234% | 6,096 |
| Credit loss provision to net charge-offs | 101.8868% | 2,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3956% | 4,736 |
| Assets per employee ($millions) | 3.2835% | 5,316 |
| Cash dividends to net income (ytd only)* | 8.9884% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 4,872 |
| Loan loss allowance to noncurrent loans | 1,090.8801% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 6,174 |
| Noncurrent loans to loans | 0.1098% | 6,004 |
| Net loans and leases to total assets | 80.8600% | 466 |
| Net loans and leases to deposits | 107.8218% | 197 |
| Net loans and leases to core deposits | 139.9367% | 121 |
| Total domestic deposits to total assets | 74.9941% | 6,280 |
| Equity capital to assets | 11.7562% | 2,080 |
| Core capital (leverage) ratio | 11.4408% | 2,092 |
| Tier 1 risk-based capital ratio | 12.0994% | 5,719 |
| Total risk-based capital ratio | 13.1717% | 5,769 |
| Memoranda: | ||
| Average total assets | $2,881,258,000 | 259 |
| Average earning assets | $2,741,674,750 | 246 |
| Average equity | $322,840,500 | 258 |
| Average total loans | $2,419,899,750 | 208 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 3,943 |
| Cost of funding earning assets | 0.7781% | 1,538 |
| Net interest margin | 3.2665% | 4,704 |
| Noninterest income to average assets | 1.5015% | 694 |
| Noninterest expense to average assets | 2.7333% | 3,915 |
| Loan and lease loss provision to assets | -0.0405% | 6,634 |
| Net operating income to assets | 1.2734% | 1,392 |
| Return on assets (ROA) | 1.2734% | 1,491 |
| Pretax return on assets | 1.9159% | 729 |
| Return on Equity (ROE) | 11.5462% | 1,621 |
| Retained earnings to average equity (ytd only) | 10.3000% | 783 |
| Net charge-offs to loans | -0.0100% | 5,769 |
| Credit loss provision to net charge-offs | 478.8618% | 575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1593% | 5,586 |
| Assets per employee ($millions) | 3.5555% | 4,741 |
| Cash dividends to net income (ytd only)* | 10.7939% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 5,507 |
| Loan loss allowance to noncurrent loans | 974.1049% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 6,206 |
| Noncurrent loans to loans | 0.1112% | 6,065 |
| Net loans and leases to total assets | 85.0671% | 186 |
| Net loans and leases to deposits | 115.4101% | 88 |
| Net loans and leases to core deposits | 151.4613% | 93 |
| Total domestic deposits to total assets | 73.7085% | 6,463 |
| Equity capital to assets | 11.2528% | 2,520 |
| Core capital (leverage) ratio | 11.2717% | 2,109 |
| Tier 1 risk-based capital ratio | 12.1033% | 5,731 |
| Total risk-based capital ratio | 13.1715% | 5,789 |
| Memoranda: | ||
| Average total assets | $2,910,245,330 | 258 |
| Average earning assets | $2,768,376,330 | 244 |
| Average equity | $320,953,000 | 261 |
| Average total loans | $2,464,246,330 | 204 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 3,934 |
| Cost of funding earning assets | 0.7761% | 1,667 |
| Net interest margin | 3.2696% | 4,633 |
| Noninterest income to average assets | 1.1455% | 1,139 |
| Noninterest expense to average assets | 2.7139% | 4,003 |
| Loan and lease loss provision to assets | -0.0626% | 6,801 |
| Net operating income to assets | 1.0786% | 1,938 |
| Return on assets (ROA) | 1.0786% | 2,045 |
| Pretax return on assets | 1.6167% | 1,264 |
| Return on Equity (ROE) | 9.8799% | 2,106 |
| Retained earnings to average equity (ytd only) | 9.8799% | 1,134 |
| Net charge-offs to loans | -0.0362% | 5,983 |
| Credit loss provision to net charge-offs | 205.8559% | 1,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4304% | 5,088 |
| Assets per employee ($millions) | 3.7060% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 5,313 |
| Loan loss allowance to noncurrent loans | 484.6566% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 5,967 |
| Noncurrent loans to loans | 0.2418% | 5,810 |
| Net loans and leases to total assets | 81.5347% | 307 |
| Net loans and leases to deposits | 106.9573% | 184 |
| Net loans and leases to core deposits | 147.8437% | 101 |
| Total domestic deposits to total assets | 76.2311% | 6,339 |
| Equity capital to assets | 11.4797% | 2,429 |
| Core capital (leverage) ratio | 10.5399% | 2,720 |
| Tier 1 risk-based capital ratio | 12.2594% | 5,750 |
| Total risk-based capital ratio | 13.3827% | 5,783 |
| Memoranda: | ||
| Average total assets | $2,920,038,000 | 258 |
| Average earning assets | $2,788,736,500 | 244 |
| Average equity | $318,789,500 | 267 |
| Average total loans | $2,453,402,000 | 207 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 4,046 |
| Cost of funding earning assets | 0.8762% | 2,088 |
| Net interest margin | 3.4663% | 4,644 |
| Noninterest income to average assets | 2.2570% | 367 |
| Noninterest expense to average assets | 2.6969% | 4,407 |
| Loan and lease loss provision to assets | 0.2556% | 2,611 |
| Net operating income to assets | 1.7304% | 583 |
| Return on assets (ROA) | 1.7304% | 652 |
| Pretax return on assets | 2.6001% | 223 |
| Return on Equity (ROE) | 16.7037% | 570 |
| Retained earnings to average equity (ytd only) | 16.7037% | 96 |
| Net charge-offs to loans | 0.2513% | 3,433 |
| Credit loss provision to net charge-offs | 121.0983% | 2,362 |
| Earnings coverage of net charge-offs (x) | 13.5292% | 1,818 |
| Efficiency ratio | 48.4418% | 6,682 |
| Assets per employee ($millions) | 4.3360% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 5,727 |
| Loan loss allowance to noncurrent loans | 359.2971% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 5,917 |
| Noncurrent loans to loans | 0.2945% | 5,742 |
| Net loans and leases to total assets | 84.5223% | 193 |
| Net loans and leases to deposits | 111.2750% | 141 |
| Net loans and leases to core deposits | 167.7929% | 66 |
| Total domestic deposits to total assets | 75.9580% | 6,358 |
| Equity capital to assets | 10.3961% | 3,647 |
| Core capital (leverage) ratio | 10.2155% | 3,119 |
| Tier 1 risk-based capital ratio | 11.4693% | 6,127 |
| Total risk-based capital ratio | 12.5630% | 6,173 |
| Memoranda: | ||
| Average total assets | $2,786,688,000 | 264 |
| Average earning assets | $2,649,395,400 | 246 |
| Average equity | $288,691,000 | 280 |
| Average total loans | $2,341,078,200 | 210 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3833% | 4,119 |
| Cost of funding earning assets | 0.9080% | 2,119 |
| Net interest margin | 3.4753% | 4,731 |
| Noninterest income to average assets | 2.3490% | 334 |
| Noninterest expense to average assets | 2.8218% | 3,906 |
| Loan and lease loss provision to assets | 0.2751% | 2,377 |
| Net operating income to assets | 1.6823% | 713 |
| Return on assets (ROA) | 1.6823% | 793 |
| Pretax return on assets | 2.5523% | 265 |
| Return on Equity (ROE) | 16.2544% | 706 |
| Retained earnings to average equity (ytd only) | 16.2544% | 185 |
| Net charge-offs to loans | 0.3167% | 2,861 |
| Credit loss provision to net charge-offs | 103.8795% | 2,837 |
| Earnings coverage of net charge-offs (x) | 10.6778% | 2,161 |
| Efficiency ratio | 49.8225% | 6,602 |
| Assets per employee ($millions) | 4.8200% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 5,919 |
| Loan loss allowance to noncurrent loans | 288.1858% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 5,930 |
| Noncurrent loans to loans | 0.3623% | 5,754 |
| Net loans and leases to total assets | 83.2178% | 268 |
| Net loans and leases to deposits | 109.6262% | 164 |
| Net loans and leases to core deposits | 154.4110% | 97 |
| Total domestic deposits to total assets | 75.9105% | 6,393 |
| Equity capital to assets | 10.0449% | 4,431 |
| Core capital (leverage) ratio | 10.1467% | 3,350 |
| Tier 1 risk-based capital ratio | 11.4357% | 6,262 |
| Total risk-based capital ratio | 12.5384% | 6,328 |
| Memoranda: | ||
| Average total assets | $2,725,636,000 | 268 |
| Average earning assets | $2,588,228,250 | 254 |
| Average equity | $282,090,250 | 284 |
| Average total loans | $2,279,052,250 | 216 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 4,095 |
| Cost of funding earning assets | 0.9329% | 2,163 |
| Net interest margin | 3.4896% | 4,720 |
| Noninterest income to average assets | 1.9687% | 416 |
| Noninterest expense to average assets | 2.7606% | 4,179 |
| Loan and lease loss provision to assets | 0.3132% | 2,106 |
| Net operating income to assets | 1.4608% | 1,066 |
| Return on assets (ROA) | 1.4608% | 1,200 |
| Pretax return on assets | 2.2063% | 480 |
| Return on Equity (ROE) | 13.9584% | 1,131 |
| Retained earnings to average equity (ytd only) | 13.9584% | 347 |
| Net charge-offs to loans | 0.3297% | 2,710 |
| Credit loss provision to net charge-offs | 113.8321% | 2,398 |
| Earnings coverage of net charge-offs (x) | 9.1582% | 2,200 |
| Efficiency ratio | 52.1412% | 6,488 |
| Assets per employee ($millions) | 4.7966% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,460 |
| Loan loss allowance to noncurrent loans | 251.1777% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 5,494 |
| Noncurrent loans to loans | 0.4680% | 5,597 |
| Net loans and leases to total assets | 82.8528% | 274 |
| Net loans and leases to deposits | 109.6899% | 152 |
| Net loans and leases to core deposits | 144.9775% | 124 |
| Total domestic deposits to total assets | 75.5337% | 6,527 |
| Equity capital to assets | 10.6023% | 3,566 |
| Core capital (leverage) ratio | 10.4568% | 2,851 |
| Tier 1 risk-based capital ratio | 11.3689% | 6,298 |
| Total risk-based capital ratio | 12.5415% | 6,319 |
| Memoranda: | ||
| Average total assets | $2,633,230,670 | 278 |
| Average earning assets | $2,498,660,670 | 261 |
| Average equity | $275,575,670 | 292 |
| Average total loans | $2,196,977,330 | 221 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 3,955 |
| Cost of funding earning assets | 0.9289% | 2,449 |
| Net interest margin | 3.5622% | 4,433 |
| Noninterest income to average assets | 1.4496% | 686 |
| Noninterest expense to average assets | 2.6180% | 4,749 |
| Loan and lease loss provision to assets | 0.2923% | 2,128 |
| Net operating income to assets | 1.2809% | 1,501 |
| Return on assets (ROA) | 1.2809% | 1,678 |
| Pretax return on assets | 1.9193% | 843 |
| Return on Equity (ROE) | 12.3236% | 1,573 |
| Retained earnings to average equity (ytd only) | 12.3236% | 776 |
| Net charge-offs to loans | 0.5245% | 1,778 |
| Credit loss provision to net charge-offs | 66.9725% | 2,978 |
| Earnings coverage of net charge-offs (x) | 5.0670% | 2,448 |
| Efficiency ratio | 54.0515% | 6,342 |
| Assets per employee ($millions) | 4.8868% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 5,648 |
| Loan loss allowance to noncurrent loans | 189.5469% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 5,370 |
| Noncurrent loans to loans | 0.6156% | 5,427 |
| Net loans and leases to total assets | 82.1705% | 274 |
| Net loans and leases to deposits | 111.9639% | 112 |
| Net loans and leases to core deposits | 154.5628% | 99 |
| Total domestic deposits to total assets | 73.3902% | 6,793 |
| Equity capital to assets | 10.5633% | 3,416 |
| Core capital (leverage) ratio | 10.1951% | 3,112 |
| Tier 1 risk-based capital ratio | 11.2313% | 6,427 |
| Total risk-based capital ratio | 12.3762% | 6,466 |
| Memoranda: | ||
| Average total assets | $2,597,204,000 | 276 |
| Average earning assets | $2,464,464,000 | 262 |
| Average equity | $269,952,500 | 294 |
| Average total loans | $2,161,434,000 | 226 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 3,939 |
| Cost of funding earning assets | 1.0619% | 2,941 |
| Net interest margin | 3.7088% | 4,258 |
| Noninterest income to average assets | 1.3805% | 670 |
| Noninterest expense to average assets | 2.6386% | 4,967 |
| Loan and lease loss provision to assets | 0.3030% | 3,244 |
| Net operating income to assets | 1.2900% | 1,275 |
| Return on assets (ROA) | 1.3594% | 1,203 |
| Pretax return on assets | 2.0505% | 480 |
| Return on Equity (ROE) | 12.6349% | 1,249 |
| Retained earnings to average equity (ytd only) | 12.6349% | 256 |
| Net charge-offs to loans | 0.2719% | 4,071 |
| Credit loss provision to net charge-offs | 139.2864% | 2,121 |
| Earnings coverage of net charge-offs (x) | 10.3370% | 1,853 |
| Efficiency ratio | 53.8147% | 6,529 |
| Assets per employee ($millions) | 5.1686% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,341 |
| Loan loss allowance to noncurrent loans | 176.4638% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 5,271 |
| Noncurrent loans to loans | 0.6859% | 5,328 |
| Net loans and leases to total assets | 82.2944% | 319 |
| Net loans and leases to deposits | 118.0515% | 96 |
| Net loans and leases to core deposits | 176.7863% | 83 |
| Total domestic deposits to total assets | 69.7106% | 6,999 |
| Equity capital to assets | 10.2243% | 3,879 |
| Core capital (leverage) ratio | 9.8694% | 3,494 |
| Tier 1 risk-based capital ratio | 10.7627% | 6,574 |
| Total risk-based capital ratio | 11.9392% | 6,581 |
| Memoranda: | ||
| Average total assets | $2,280,814,600 | 308 |
| Average earning assets | $2,156,457,600 | 291 |
| Average equity | $245,392,600 | 302 |
| Average total loans | $1,824,242,200 | 254 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 4,161 |
| Cost of funding earning assets | 1.1102% | 2,910 |
| Net interest margin | 3.6563% | 4,542 |
| Noninterest income to average assets | 1.5853% | 524 |
| Noninterest expense to average assets | 2.7863% | 4,394 |
| Loan and lease loss provision to assets | 0.2873% | 3,218 |
| Net operating income to assets | 1.2916% | 1,401 |
| Return on assets (ROA) | 1.3410% | 1,377 |
| Pretax return on assets | 2.0393% | 581 |
| Return on Equity (ROE) | 12.2843% | 1,470 |
| Retained earnings to average equity (ytd only) | 12.2843% | 468 |
| Net charge-offs to loans | 0.3634% | 3,270 |
| Credit loss provision to net charge-offs | 100.0422% | 3,363 |
| Earnings coverage of net charge-offs (x) | 7.8419% | 2,286 |
| Efficiency ratio | 55.1275% | 6,373 |
| Assets per employee ($millions) | 5.3902% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 5,587 |
| Loan loss allowance to noncurrent loans | 220.0291% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 5,647 |
| Noncurrent loans to loans | 0.5321% | 5,793 |
| Net loans and leases to total assets | 80.3374% | 487 |
| Net loans and leases to deposits | 110.4272% | 172 |
| Net loans and leases to core deposits | 163.1611% | 105 |
| Total domestic deposits to total assets | 72.7515% | 6,874 |
| Equity capital to assets | 10.1209% | 4,185 |
| Core capital (leverage) ratio | 10.7545% | 2,614 |
| Tier 1 risk-based capital ratio | 10.9753% | 6,553 |
| Total risk-based capital ratio | 12.1287% | 6,595 |
| Memoranda: | ||
| Average total assets | $2,202,364,500 | 319 |
| Average earning assets | $2,079,692,500 | 302 |
| Average equity | $240,420,250 | 308 |
| Average total loans | $1,739,957,250 | 262 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9030% | 3,605 |
| Cost of funding earning assets | 1.1749% | 2,745 |
| Net interest margin | 3.7282% | 4,130 |
| Noninterest income to average assets | 1.0764% | 1,125 |
| Noninterest expense to average assets | 2.6372% | 5,050 |
| Loan and lease loss provision to assets | 0.1781% | 4,140 |
| Net operating income to assets | 1.1797% | 1,636 |
| Return on assets (ROA) | 1.2319% | 1,557 |
| Pretax return on assets | 1.8574% | 773 |
| Return on Equity (ROE) | 10.9607% | 1,810 |
| Retained earnings to average equity (ytd only) | 10.9607% | 673 |
| Net charge-offs to loans | 0.4224% | 2,870 |
| Credit loss provision to net charge-offs | 54.0070% | 4,489 |
| Earnings coverage of net charge-offs (x) | 5.9318% | 2,506 |
| Efficiency ratio | 57.2039% | 6,269 |
| Assets per employee ($millions) | 4.8089% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 4,895 |
| Loan loss allowance to noncurrent loans | 247.4139% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 6,008 |
| Noncurrent loans to loans | 0.5397% | 5,834 |
| Net loans and leases to total assets | 77.6062% | 828 |
| Net loans and leases to deposits | 114.2592% | 122 |
| Net loans and leases to core deposits | 139.8511% | 188 |
| Total domestic deposits to total assets | 67.9212% | 7,195 |
| Equity capital to assets | 11.2971% | 2,685 |
| Core capital (leverage) ratio | 11.0442% | 2,208 |
| Tier 1 risk-based capital ratio | 11.7472% | 5,976 |
| Total risk-based capital ratio | 12.9487% | 6,017 |
| Memoranda: | ||
| Average total assets | $2,088,432,670 | 334 |
| Average earning assets | $1,970,250,330 | 322 |
| Average equity | $234,730,000 | 314 |
| Average total loans | $1,630,568,330 | 284 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9057% | 3,559 |
| Cost of funding earning assets | 1.2215% | 2,675 |
| Net interest margin | 3.6843% | 4,185 |
| Noninterest income to average assets | 0.8738% | 1,753 |
| Noninterest expense to average assets | 2.5003% | 5,550 |
| Loan and lease loss provision to assets | 0.2160% | 3,491 |
| Net operating income to assets | 1.0873% | 1,885 |
| Return on assets (ROA) | 1.1398% | 1,749 |
| Pretax return on assets | 1.7119% | 962 |
| Return on Equity (ROE) | 10.1683% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.1683% | 1,088 |
| Net charge-offs to loans | 0.2780% | 2,957 |
| Credit loss provision to net charge-offs | 99.9100% | 2,738 |
| Earnings coverage of net charge-offs (x) | 8.5545% | 1,813 |
| Efficiency ratio | 57.2611% | 6,352 |
| Assets per employee ($millions) | 4.8676% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5305% | 4,048 |
| Loan loss allowance to noncurrent loans | 260.7604% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 5,951 |
| Noncurrent loans to loans | 0.5869% | 5,855 |
| Net loans and leases to total assets | 76.0061% | 1,031 |
| Net loans and leases to deposits | 110.9540% | 169 |
| Net loans and leases to core deposits | 130.9696% | 262 |
| Total domestic deposits to total assets | 68.5023% | 7,251 |
| Equity capital to assets | 11.4022% | 2,344 |
| Core capital (leverage) ratio | 10.7663% | 2,389 |
| Tier 1 risk-based capital ratio | 11.9944% | 5,695 |
| Total risk-based capital ratio | 13.2457% | 5,683 |
| Memoranda: | ||
| Average total assets | $2,055,451,500 | 344 |
| Average earning assets | $1,939,277,500 | 324 |
| Average equity | $230,402,500 | 313 |
| Average total loans | $1,598,567,500 | 292 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 4,249 |
| Cost of funding earning assets | 1.4037% | 3,248 |
| Net interest margin | 3.6639% | 4,516 |
| Noninterest income to average assets | 1.2765% | 902 |
| Noninterest expense to average assets | 2.5458% | 5,630 |
| Loan and lease loss provision to assets | 0.5174% | 3,086 |
| Net operating income to assets | 1.1195% | 1,642 |
| Return on assets (ROA) | 1.1438% | 1,645 |
| Pretax return on assets | 1.6913% | 960 |
| Return on Equity (ROE) | 10.7498% | 1,663 |
| Retained earnings to average equity (ytd only) | 10.7498% | 408 |
| Net charge-offs to loans | 0.3146% | 4,448 |
| Credit loss provision to net charge-offs | 213.1088% | 1,430 |
| Earnings coverage of net charge-offs (x) | 8.9497% | 1,898 |
| Efficiency ratio | 53.4618% | 6,853 |
| Assets per employee ($millions) | 5.0284% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 4,019 |
| Loan loss allowance to noncurrent loans | 320.0264% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 6,205 |
| Noncurrent loans to loans | 0.4683% | 6,107 |
| Net loans and leases to total assets | 77.1789% | 1,062 |
| Net loans and leases to deposits | 112.2560% | 198 |
| Net loans and leases to core deposits | 132.3981% | 301 |
| Total domestic deposits to total assets | 68.7526% | 7,295 |
| Equity capital to assets | 11.0177% | 2,665 |
| Core capital (leverage) ratio | 10.2807% | 2,787 |
| Tier 1 risk-based capital ratio | 11.8443% | 5,620 |
| Total risk-based capital ratio | 13.0958% | 5,611 |
| Memoranda: | ||
| Average total assets | $2,029,675,800 | 343 |
| Average earning assets | $1,906,877,200 | 329 |
| Average equity | $215,957,200 | 330 |
| Average total loans | $1,566,394,200 | 302 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 4,651 |
| Cost of funding earning assets | 1.4370% | 3,354 |
| Net interest margin | 3.5981% | 4,885 |
| Noninterest income to average assets | 1.3573% | 733 |
| Noninterest expense to average assets | 2.5180% | 5,645 |
| Loan and lease loss provision to assets | 0.5688% | 2,658 |
| Net operating income to assets | 1.1105% | 1,852 |
| Return on assets (ROA) | 1.1426% | 1,865 |
| Pretax return on assets | 1.6946% | 1,122 |
| Return on Equity (ROE) | 10.8366% | 1,842 |
| Retained earnings to average equity (ytd only) | 10.8366% | 629 |
| Net charge-offs to loans | 0.4132% | 3,639 |
| Credit loss provision to net charge-offs | 179.0534% | 2,055 |
| Earnings coverage of net charge-offs (x) | 6.9743% | 2,409 |
| Efficiency ratio | 52.9683% | 6,892 |
| Assets per employee ($millions) | 5.3367% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,821 |
| Loan loss allowance to noncurrent loans | 234.2553% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5756% | 5,998 |
| Noncurrent loans to loans | 0.5659% | 6,074 |
| Net loans and leases to total assets | 78.8550% | 911 |
| Net loans and leases to deposits | 115.7308% | 161 |
| Net loans and leases to core deposits | 137.6058% | 289 |
| Total domestic deposits to total assets | 68.1366% | 7,371 |
| Equity capital to assets | 10.6863% | 3,302 |
| Core capital (leverage) ratio | 10.2228% | 3,018 |
| Tier 1 risk-based capital ratio | 11.4203% | 6,001 |
| Total risk-based capital ratio | 12.6704% | 5,988 |
| Memoranda: | ||
| Average total assets | $2,021,688,750 | 343 |
| Average earning assets | $1,897,010,750 | 328 |
| Average equity | $213,160,750 | 328 |
| Average total loans | $1,554,155,500 | 304 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0324% | 4,788 |
| Cost of funding earning assets | 1.5103% | 3,200 |
| Net interest margin | 3.5221% | 5,150 |
| Noninterest income to average assets | 1.1784% | 926 |
| Noninterest expense to average assets | 2.5191% | 5,651 |
| Loan and lease loss provision to assets | 0.5152% | 2,739 |
| Net operating income to assets | 0.9659% | 2,312 |
| Return on assets (ROA) | 1.0018% | 2,274 |
| Pretax return on assets | 1.4954% | 1,567 |
| Return on Equity (ROE) | 9.5475% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.5475% | 955 |
| Net charge-offs to loans | 0.3585% | 3,559 |
| Credit loss provision to net charge-offs | 189.6041% | 2,079 |
| Earnings coverage of net charge-offs (x) | 7.2016% | 2,343 |
| Efficiency ratio | 56.0362% | 6,633 |
| Assets per employee ($millions) | 5.4398% | 1,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 4,820 |
| Loan loss allowance to noncurrent loans | 461.7982% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 6,527 |
| Noncurrent loans to loans | 0.2852% | 6,662 |
| Net loans and leases to total assets | 76.5360% | 1,382 |
| Net loans and leases to deposits | 115.3357% | 188 |
| Net loans and leases to core deposits | 135.1800% | 340 |
| Total domestic deposits to total assets | 66.3594% | 7,512 |
| Equity capital to assets | 10.5180% | 3,388 |
| Core capital (leverage) ratio | 10.2461% | 2,893 |
| Tier 1 risk-based capital ratio | 11.7561% | 5,536 |
| Total risk-based capital ratio | 13.0062% | 5,499 |
| Memoranda: | ||
| Average total assets | $1,989,363,670 | 349 |
| Average earning assets | $1,862,646,330 | 331 |
| Average equity | $208,745,670 | 334 |
| Average total loans | $1,507,835,330 | 315 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0211% | 4,923 |
| Cost of funding earning assets | 1.6333% | 2,751 |
| Net interest margin | 3.3877% | 5,631 |
| Noninterest income to average assets | 1.0795% | 1,091 |
| Noninterest expense to average assets | 2.5165% | 5,673 |
| Loan and lease loss provision to assets | 0.4966% | 2,517 |
| Net operating income to assets | 0.8464% | 2,766 |
| Return on assets (ROA) | 0.8837% | 2,690 |
| Pretax return on assets | 1.2879% | 2,083 |
| Return on Equity (ROE) | 8.4321% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.4321% | 1,554 |
| Net charge-offs to loans | 0.4853% | 2,605 |
| Credit loss provision to net charge-offs | 136.6967% | 2,581 |
| Earnings coverage of net charge-offs (x) | 4.7632% | 2,558 |
| Efficiency ratio | 58.9932% | 6,341 |
| Assets per employee ($millions) | 5.3749% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 4,784 |
| Loan loss allowance to noncurrent loans | 413.9730% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 6,296 |
| Noncurrent loans to loans | 0.3210% | 6,660 |
| Net loans and leases to total assets | 73.8179% | 2,009 |
| Net loans and leases to deposits | 106.0332% | 422 |
| Net loans and leases to core deposits | 119.8717% | 791 |
| Total domestic deposits to total assets | 69.6178% | 7,432 |
| Equity capital to assets | 10.6842% | 3,054 |
| Core capital (leverage) ratio | 10.1558% | 2,976 |
| Tier 1 risk-based capital ratio | 12.1210% | 5,065 |
| Total risk-based capital ratio | 13.3534% | 5,052 |
| Memoranda: | ||
| Average total assets | $1,953,205,000 | 365 |
| Average earning assets | $1,826,228,000 | 352 |
| Average equity | $204,694,500 | 341 |
| Average total loans | $1,462,259,500 | 334 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 6,407 |
| Cost of funding earning assets | 2.0393% | 2,776 |
| Net interest margin | 2.9700% | 6,716 |
| Noninterest income to average assets | 1.2222% | 1,020 |
| Noninterest expense to average assets | 2.6651% | 5,535 |
| Loan and lease loss provision to assets | 0.3659% | 4,606 |
| Net operating income to assets | 0.6704% | 3,056 |
| Return on assets (ROA) | 0.6988% | 3,009 |
| Pretax return on assets | 1.0202% | 2,521 |
| Return on Equity (ROE) | 7.1596% | 2,730 |
| Retained earnings to average equity (ytd only) | 7.1596% | 915 |
| Net charge-offs to loans | 0.1880% | 5,482 |
| Credit loss provision to net charge-offs | 256.4590% | 1,371 |
| Earnings coverage of net charge-offs (x) | 9.4263% | 1,799 |
| Efficiency ratio | 66.1701% | 5,366 |
| Assets per employee ($millions) | 5.4613% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 4,961 |
| Loan loss allowance to noncurrent loans | 2,200.2361% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 6,702 |
| Noncurrent loans to loans | 0.0575% | 7,278 |
| Net loans and leases to total assets | 73.9687% | 2,281 |
| Net loans and leases to deposits | 109.3309% | 406 |
| Net loans and leases to core deposits | 144.3856% | 658 |
| Total domestic deposits to total assets | 67.6558% | 7,572 |
| Equity capital to assets | 10.2784% | 3,425 |
| Core capital (leverage) ratio | 10.0187% | 3,070 |
| Tier 1 risk-based capital ratio | 11.8519% | 5,071 |
| Total risk-based capital ratio | 13.0430% | 5,078 |
| Memoranda: | ||
| Average total assets | $1,844,776,600 | 387 |
| Average earning assets | $1,731,626,800 | 372 |
| Average equity | $180,066,800 | 381 |
| Average total loans | $1,399,994,800 | 356 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 6,694 |
| Cost of funding earning assets | 2.1281% | 2,755 |
| Net interest margin | 2.8428% | 6,979 |
| Noninterest income to average assets | 1.2595% | 973 |
| Noninterest expense to average assets | 2.6728% | 5,445 |
| Loan and lease loss provision to assets | 0.3490% | 4,231 |
| Net operating income to assets | 0.6260% | 3,513 |
| Return on assets (ROA) | 0.6577% | 3,430 |
| Pretax return on assets | 0.9551% | 3,041 |
| Return on Equity (ROE) | 6.8359% | 3,143 |
| Retained earnings to average equity (ytd only) | 6.8359% | 1,574 |
| Net charge-offs to loans | 0.1732% | 5,007 |
| Credit loss provision to net charge-offs | 264.6240% | 1,606 |
| Earnings coverage of net charge-offs (x) | 9.5393% | 2,094 |
| Efficiency ratio | 67.6892% | 5,045 |
| Assets per employee ($millions) | 5.3338% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 4,930 |
| Loan loss allowance to noncurrent loans | 184.3338% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.5133% | 6,182 |
| Noncurrent loans to loans | 0.6698% | 5,962 |
| Net loans and leases to total assets | 74.2298% | 2,462 |
| Net loans and leases to deposits | 105.6240% | 668 |
| Net loans and leases to core deposits | 134.2807% | 1,193 |
| Total domestic deposits to total assets | 70.2774% | 7,393 |
| Equity capital to assets | 9.8428% | 4,294 |
| Core capital (leverage) ratio | 9.2061% | 4,325 |
| Tier 1 risk-based capital ratio | 10.9350% | 6,007 |
| Total risk-based capital ratio | 12.0829% | 6,087 |
| Memoranda: | ||
| Average total assets | $1,814,457,250 | 403 |
| Average earning assets | $1,705,105,750 | 389 |
| Average equity | $174,564,000 | 407 |
| Average total loans | $1,381,768,250 | 374 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9550% | 6,909 |
| Cost of funding earning assets | 2.2124% | 2,735 |
| Net interest margin | 2.7426% | 7,112 |
| Noninterest income to average assets | 1.3123% | 894 |
| Noninterest expense to average assets | 2.7085% | 5,356 |
| Loan and lease loss provision to assets | 0.3014% | 4,152 |
| Net operating income to assets | 0.6045% | 3,656 |
| Return on assets (ROA) | 0.6470% | 3,584 |
| Pretax return on assets | 0.9372% | 3,218 |
| Return on Equity (ROE) | 6.7798% | 3,294 |
| Retained earnings to average equity (ytd only) | 6.7798% | 1,671 |
| Net charge-offs to loans | 0.1558% | 4,637 |
| Credit loss provision to net charge-offs | 252.8090% | 1,842 |
| Earnings coverage of net charge-offs (x) | 9.8727% | 2,061 |
| Efficiency ratio | 69.3978% | 4,902 |
| Assets per employee ($millions) | 5.2821% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 5,395 |
| Loan loss allowance to noncurrent loans | 213.4267% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 6,425 |
| Noncurrent loans to loans | 0.5288% | 6,215 |
| Net loans and leases to total assets | 76.3061% | 2,110 |
| Net loans and leases to deposits | 111.3707% | 505 |
| Net loans and leases to core deposits | 140.1165% | 1,005 |
| Total domestic deposits to total assets | 68.5154% | 7,585 |
| Equity capital to assets | 9.5807% | 4,511 |
| Core capital (leverage) ratio | 9.4195% | 4,002 |
| Tier 1 risk-based capital ratio | 11.0547% | 5,824 |
| Total risk-based capital ratio | 12.1488% | 5,928 |
| Memoranda: | ||
| Average total assets | $1,791,664,670 | 415 |
| Average earning assets | $1,681,057,000 | 402 |
| Average equity | $170,977,330 | 416 |
| Average total loans | $1,370,658,670 | 387 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 6,994 |
| Cost of funding earning assets | 2.3419% | 2,537 |
| Net interest margin | 2.6333% | 7,324 |
| Noninterest income to average assets | 1.3046% | 840 |
| Noninterest expense to average assets | 2.6088% | 5,420 |
| Loan and lease loss provision to assets | 0.2763% | 3,747 |
| Net operating income to assets | 0.6077% | 3,983 |
| Return on assets (ROA) | 0.6930% | 3,778 |
| Pretax return on assets | 1.0124% | 3,307 |
| Return on Equity (ROE) | 7.2770% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.2770% | 2,106 |
| Net charge-offs to loans | 0.1286% | 3,935 |
| Credit loss provision to net charge-offs | 282.1346% | 1,707 |
| Earnings coverage of net charge-offs (x) | 11.8794% | 1,840 |
| Efficiency ratio | 68.8351% | 4,810 |
| Assets per employee ($millions) | 5.1391% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 5,431 |
| Loan loss allowance to noncurrent loans | 254.0339% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 6,455 |
| Noncurrent loans to loans | 0.4350% | 6,335 |
| Net loans and leases to total assets | 76.7950% | 2,086 |
| Net loans and leases to deposits | 112.6815% | 492 |
| Net loans and leases to core deposits | 144.5555% | 914 |
| Total domestic deposits to total assets | 68.1523% | 7,588 |
| Equity capital to assets | 9.5237% | 4,633 |
| Core capital (leverage) ratio | 9.2456% | 4,332 |
| Tier 1 risk-based capital ratio | 10.8574% | 6,032 |
| Total risk-based capital ratio | 11.9275% | 6,120 |
| Memoranda: | ||
| Average total assets | $1,760,494,500 | 422 |
| Average earning assets | $1,649,618,500 | 410 |
| Average equity | $167,652,500 | 423 |
| Average total loans | $1,340,554,000 | 396 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6266% | 6,994 |
| Cost of funding earning assets | 2.8222% | 2,618 |
| Net interest margin | 2.8044% | 7,327 |
| Noninterest income to average assets | 0.9671% | 1,704 |
| Noninterest expense to average assets | 3.1078% | 3,667 |
| Loan and lease loss provision to assets | 0.3249% | 3,782 |
| Net operating income to assets | 0.1240% | 6,045 |
| Return on assets (ROA) | 0.1704% | 5,769 |
| Pretax return on assets | 0.1985% | 5,732 |
| Return on Equity (ROE) | 1.7611% | 5,688 |
| Retained earnings to average equity (ytd only) | 1.7611% | 4,151 |
| Net charge-offs to loans | 0.2131% | 4,080 |
| Credit loss provision to net charge-offs | 209.7673% | 2,300 |
| Earnings coverage of net charge-offs (x) | 3.0309% | 4,567 |
| Efficiency ratio | 81.8577% | 2,319 |
| Assets per employee ($millions) | 5.0960% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 5,134 |
| Loan loss allowance to noncurrent loans | 287.4851% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.2976% | 6,406 |
| Noncurrent loans to loans | 0.3896% | 6,174 |
| Net loans and leases to total assets | 73.7648% | 3,164 |
| Net loans and leases to deposits | 108.1173% | 964 |
| Net loans and leases to core deposits | 137.6594% | 1,400 |
| Total domestic deposits to total assets | 68.2266% | 7,446 |
| Equity capital to assets | 9.5223% | 4,652 |
| Core capital (leverage) ratio | 9.3190% | 4,273 |
| Tier 1 risk-based capital ratio | 11.0319% | 5,695 |
| Total risk-based capital ratio | 12.0865% | 5,780 |
| Memoranda: | ||
| Average total assets | $1,691,980,600 | 420 |
| Average earning assets | $1,574,785,800 | 405 |
| Average equity | $163,701,800 | 432 |
| Average total loans | $1,229,979,200 | 416 |