Home > Cole Taylor Bank > Performance and Condition Ratios
Cole Taylor Bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 4,767 |
| Cost of funding earning assets | 0.2744% | 5,243 |
| Net interest margin | 3.4553% | 3,964 |
| Noninterest income to average assets | 2.3941% | 260 |
| Noninterest expense to average assets | 4.0707% | 703 |
| Loan and lease loss provision to assets | 0.1426% | 1,735 |
| Net operating income to assets | 0.7706% | 3,462 |
| Return on assets (ROA) | 0.7714% | 3,564 |
| Pretax return on assets | 1.3394% | 2,118 |
| Return on Equity (ROE) | 8.4538% | 2,862 |
| Retained earnings to average equity (ytd only) | 4.8314% | 3,070 |
| Net charge-offs to loans | 0.2037% | 1,807 |
| Credit loss provision to net charge-offs | 95.8616% | 2,085 |
| Earnings coverage of net charge-offs (x) | 9.9516% | 2,297 |
| Efficiency ratio | 73.3253% | 3,102 |
| Assets per employee ($millions) | 4.6796% | 2,651 |
| Cash dividends to net income (ytd only)* | 42.8488% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8607% | 1,677 |
| Loan loss allowance to noncurrent loans | 112.3370% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.3521% | 2,420 |
| Noncurrent loans to loans | 1.6563% | 2,094 |
| Net loans and leases to total assets | 72.3816% | 1,674 |
| Net loans and leases to deposits | 107.1119% | 267 |
| Net loans and leases to core deposits | 134.4766% | 183 |
| Total domestic deposits to total assets | 67.5757% | 6,436 |
| Equity capital to assets | 9.0739% | 5,225 |
| Core capital (leverage) ratio | 8.9580% | 5,082 |
| Tier 1 risk-based capital ratio | 10.5168% | 6,245 |
| Total risk-based capital ratio | 11.7727% | 6,188 |
| Memoranda: | ||
| Average total assets | $5,748,439,670 | 169 |
| Average earning assets | $5,252,864,330 | 164 |
| Average equity | $524,523,330 | 194 |
| Average total loans | $4,199,840,670 | 161 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7797% | 4,569 |
| Cost of funding earning assets | 0.2771% | 5,315 |
| Net interest margin | 3.5026% | 3,679 |
| Noninterest income to average assets | 2.0640% | 321 |
| Noninterest expense to average assets | 3.7965% | 985 |
| Loan and lease loss provision to assets | 0.1842% | 1,298 |
| Net operating income to assets | 0.8167% | 3,065 |
| Return on assets (ROA) | 0.8183% | 3,131 |
| Pretax return on assets | 1.2922% | 2,119 |
| Return on Equity (ROE) | 8.9417% | 2,490 |
| Retained earnings to average equity (ytd only) | 4.4906% | 3,423 |
| Net charge-offs to loans | 0.1533% | 1,803 |
| Credit loss provision to net charge-offs | 165.2893% | 1,184 |
| Earnings coverage of net charge-offs (x) | 13.2270% | 1,676 |
| Efficiency ratio | 72.0342% | 3,483 |
| Assets per employee ($millions) | 4.4331% | 3,083 |
| Cash dividends to net income (ytd only)* | 49.7792% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0281% | 1,462 |
| Loan loss allowance to noncurrent loans | 113.6490% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 1.4812% | 2,381 |
| Noncurrent loans to loans | 1.7845% | 2,162 |
| Net loans and leases to total assets | 71.1228% | 1,710 |
| Net loans and leases to deposits | 100.6709% | 411 |
| Net loans and leases to core deposits | 123.1444% | 275 |
| Total domestic deposits to total assets | 70.6488% | 6,419 |
| Equity capital to assets | 9.3003% | 4,761 |
| Core capital (leverage) ratio | 9.0096% | 4,997 |
| Tier 1 risk-based capital ratio | 10.8139% | 6,237 |
| Total risk-based capital ratio | 12.0709% | 6,185 |
| Memoranda: | ||
| Average total assets | $5,646,439,500 | 172 |
| Average earning assets | $5,169,129,500 | 165 |
| Average equity | $516,726,500 | 197 |
| Average total loans | $4,104,682,000 | 164 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7114% | 5,096 |
| Cost of funding earning assets | 0.3456% | 5,190 |
| Net interest margin | 3.3658% | 4,418 |
| Noninterest income to average assets | 2.6670% | 260 |
| Noninterest expense to average assets | 3.8075% | 1,123 |
| Loan and lease loss provision to assets | 0.0413% | 4,290 |
| Net operating income to assets | 1.1925% | 1,598 |
| Return on assets (ROA) | 1.2580% | 1,423 |
| Pretax return on assets | 2.0042% | 476 |
| Return on Equity (ROE) | 13.5426% | 1,054 |
| Retained earnings to average equity (ytd only) | 1.6935% | 5,024 |
| Net charge-offs to loans | 0.0674% | 4,271 |
| Credit loss provision to net charge-offs | 88.0088% | 2,823 |
| Earnings coverage of net charge-offs (x) | 41.4279% | 920 |
| Efficiency ratio | 66.2111% | 4,519 |
| Assets per employee ($millions) | 4.5632% | 2,793 |
| Cash dividends to net income (ytd only)* | 87.4950% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9859% | 1,589 |
| Loan loss allowance to noncurrent loans | 100.0477% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.6313% | 2,271 |
| Noncurrent loans to loans | 1.9850% | 2,006 |
| Net loans and leases to total assets | 71.3487% | 1,783 |
| Net loans and leases to deposits | 110.0105% | 174 |
| Net loans and leases to core deposits | 126.5990% | 233 |
| Total domestic deposits to total assets | 64.8563% | 6,656 |
| Equity capital to assets | 9.0033% | 5,031 |
| Core capital (leverage) ratio | 8.5699% | 5,580 |
| Tier 1 risk-based capital ratio | 10.6405% | 6,316 |
| Total risk-based capital ratio | 11.8971% | 6,269 |
| Memoranda: | ||
| Average total assets | $5,814,321,000 | 166 |
| Average earning assets | $5,326,518,200 | 160 |
| Average equity | $540,125,600 | 186 |
| Average total loans | $4,048,819,200 | 156 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6641% | 5,266 |
| Cost of funding earning assets | 0.3611% | 5,187 |
| Net interest margin | 3.3030% | 4,625 |
| Noninterest income to average assets | 2.7573% | 260 |
| Noninterest expense to average assets | 3.6622% | 1,303 |
| Loan and lease loss provision to assets | 0.0296% | 4,414 |
| Net operating income to assets | 1.2716% | 1,426 |
| Return on assets (ROA) | 1.2726% | 1,495 |
| Pretax return on assets | 2.0924% | 475 |
| Return on Equity (ROE) | 13.5982% | 1,100 |
| Retained earnings to average equity (ytd only) | 10.1901% | 749 |
| Net charge-offs to loans | -0.0503% | 6,313 |
| Credit loss provision to net charge-offs | -85.4139% | 5,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3305% | 4,916 |
| Assets per employee ($millions) | 4.9775% | 2,194 |
| Cash dividends to net income (ytd only)* | 25.0631% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0600% | 1,591 |
| Loan loss allowance to noncurrent loans | 98.7995% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.6851% | 2,445 |
| Noncurrent loans to loans | 2.0850% | 2,147 |
| Net loans and leases to total assets | 67.4453% | 2,383 |
| Net loans and leases to deposits | 107.6890% | 199 |
| Net loans and leases to core deposits | 122.5453% | 285 |
| Total domestic deposits to total assets | 62.6298% | 6,768 |
| Equity capital to assets | 9.2486% | 4,861 |
| Core capital (leverage) ratio | 9.0798% | 4,995 |
| Tier 1 risk-based capital ratio | 11.3711% | 6,112 |
| Total risk-based capital ratio | 12.6285% | 6,082 |
| Memoranda: | ||
| Average total assets | $5,852,178,750 | 162 |
| Average earning assets | $5,360,335,000 | 155 |
| Average equity | $547,695,250 | 181 |
| Average total loans | $4,030,457,750 | 155 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5968% | 5,444 |
| Cost of funding earning assets | 0.3812% | 5,122 |
| Net interest margin | 3.2156% | 4,888 |
| Noninterest income to average assets | 3.0163% | 252 |
| Noninterest expense to average assets | 3.6918% | 1,258 |
| Loan and lease loss provision to assets | 0.0345% | 4,253 |
| Net operating income to assets | 1.3459% | 1,209 |
| Return on assets (ROA) | 1.3461% | 1,301 |
| Pretax return on assets | 2.2362% | 391 |
| Return on Equity (ROE) | 14.3246% | 941 |
| Retained earnings to average equity (ytd only) | 11.0250% | 639 |
| Net charge-offs to loans | -0.0193% | 5,961 |
| Credit loss provision to net charge-offs | -259.7403% | 5,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9202% | 5,184 |
| Assets per employee ($millions) | 5.3550% | 1,738 |
| Cash dividends to net income (ytd only)* | 23.0350% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0912% | 1,646 |
| Loan loss allowance to noncurrent loans | 120.1858% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.5247% | 2,820 |
| Noncurrent loans to loans | 1.7400% | 2,713 |
| Net loans and leases to total assets | 66.5482% | 2,495 |
| Net loans and leases to deposits | 103.5974% | 276 |
| Net loans and leases to core deposits | 114.6620% | 425 |
| Total domestic deposits to total assets | 64.2374% | 6,791 |
| Equity capital to assets | 9.2338% | 4,942 |
| Core capital (leverage) ratio | 9.1507% | 4,756 |
| Tier 1 risk-based capital ratio | 11.7614% | 5,947 |
| Total risk-based capital ratio | 13.0196% | 5,895 |
| Memoranda: | ||
| Average total assets | $5,805,277,670 | 161 |
| Average earning assets | $5,318,606,670 | 155 |
| Average equity | $545,508,000 | 181 |
| Average total loans | $3,998,299,330 | 153 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 5,462 |
| Cost of funding earning assets | 0.3834% | 5,252 |
| Net interest margin | 3.2155% | 4,870 |
| Noninterest income to average assets | 2.7594% | 280 |
| Noninterest expense to average assets | 3.5543% | 1,508 |
| Loan and lease loss provision to assets | 0.0208% | 4,207 |
| Net operating income to assets | 1.3005% | 1,273 |
| Return on assets (ROA) | 1.3006% | 1,373 |
| Pretax return on assets | 2.1382% | 458 |
| Return on Equity (ROE) | 13.7192% | 1,012 |
| Retained earnings to average equity (ytd only) | 10.7931% | 918 |
| Net charge-offs to loans | 0.0341% | 3,552 |
| Credit loss provision to net charge-offs | 87.9765% | 2,057 |
| Earnings coverage of net charge-offs (x) | 91.2962% | 419 |
| Efficiency ratio | 62.2116% | 5,279 |
| Assets per employee ($millions) | 5.6892% | 1,499 |
| Cash dividends to net income (ytd only)* | 21.3288% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1109% | 1,771 |
| Loan loss allowance to noncurrent loans | 115.0496% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 1.7175% | 2,717 |
| Noncurrent loans to loans | 1.8348% | 2,822 |
| Net loans and leases to total assets | 66.2327% | 2,329 |
| Net loans and leases to deposits | 97.2886% | 476 |
| Net loans and leases to core deposits | 107.6769% | 571 |
| Total domestic deposits to total assets | 68.0786% | 6,804 |
| Equity capital to assets | 9.6298% | 4,666 |
| Core capital (leverage) ratio | 9.1062% | 4,711 |
| Tier 1 risk-based capital ratio | 12.0704% | 5,872 |
| Total risk-based capital ratio | 13.3299% | 5,815 |
| Memoranda: | ||
| Average total assets | $5,768,011,000 | 164 |
| Average earning assets | $5,298,740,000 | 160 |
| Average equity | $546,796,000 | 185 |
| Average total loans | $3,999,206,500 | 158 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0325% | 5,216 |
| Cost of funding earning assets | 0.5973% | 4,383 |
| Net interest margin | 3.4353% | 4,760 |
| Noninterest income to average assets | 3.0164% | 254 |
| Noninterest expense to average assets | 3.7882% | 1,274 |
| Loan and lease loss provision to assets | 0.1909% | 3,252 |
| Net operating income to assets | 1.3184% | 1,258 |
| Return on assets (ROA) | 1.3868% | 1,233 |
| Pretax return on assets | 2.3141% | 330 |
| Return on Equity (ROE) | 13.9012% | 1,008 |
| Retained earnings to average equity (ytd only) | 13.9012% | 204 |
| Net charge-offs to loans | 0.9105% | 1,249 |
| Credit loss provision to net charge-offs | 30.7044% | 5,102 |
| Earnings coverage of net charge-offs (x) | 3.8572% | 3,568 |
| Efficiency ratio | 61.2333% | 5,351 |
| Assets per employee ($millions) | 6.1209% | 1,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0014% | 2,015 |
| Loan loss allowance to noncurrent loans | 138.0503% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 3,200 |
| Noncurrent loans to loans | 1.4498% | 3,425 |
| Net loans and leases to total assets | 69.5772% | 1,926 |
| Net loans and leases to deposits | 110.2444% | 152 |
| Net loans and leases to core deposits | 127.1702% | 208 |
| Total domestic deposits to total assets | 63.1117% | 6,941 |
| Equity capital to assets | 9.3306% | 5,106 |
| Core capital (leverage) ratio | 9.2443% | 4,507 |
| Tier 1 risk-based capital ratio | 11.7934% | 5,912 |
| Total risk-based capital ratio | 13.0532% | 5,873 |
| Memoranda: | ||
| Average total assets | $5,002,432,000 | 170 |
| Average earning assets | $4,616,125,600 | 168 |
| Average equity | $499,035,800 | 191 |
| Average total loans | $3,416,127,000 | 166 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 4,952 |
| Cost of funding earning assets | 0.6755% | 3,971 |
| Net interest margin | 3.4843% | 4,703 |
| Noninterest income to average assets | 2.7718% | 276 |
| Noninterest expense to average assets | 3.7356% | 1,314 |
| Loan and lease loss provision to assets | 0.2316% | 2,725 |
| Net operating income to assets | 1.2025% | 1,724 |
| Return on assets (ROA) | 1.2709% | 1,665 |
| Pretax return on assets | 2.1283% | 539 |
| Return on Equity (ROE) | 12.4966% | 1,463 |
| Retained earnings to average equity (ytd only) | 12.4966% | 443 |
| Net charge-offs to loans | 1.3330% | 697 |
| Credit loss provision to net charge-offs | 25.7501% | 4,867 |
| Earnings coverage of net charge-offs (x) | 2.5051% | 4,039 |
| Efficiency ratio | 62.3774% | 5,088 |
| Assets per employee ($millions) | 5.8543% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2708% | 1,578 |
| Loan loss allowance to noncurrent loans | 128.2965% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.7817% | 2,939 |
| Noncurrent loans to loans | 1.7700% | 3,126 |
| Net loans and leases to total assets | 67.0101% | 2,454 |
| Net loans and leases to deposits | 95.6391% | 680 |
| Net loans and leases to core deposits | 113.9457% | 435 |
| Total domestic deposits to total assets | 70.0656% | 6,839 |
| Equity capital to assets | 10.1779% | 4,235 |
| Core capital (leverage) ratio | 9.4751% | 4,307 |
| Tier 1 risk-based capital ratio | 12.3420% | 5,741 |
| Total risk-based capital ratio | 13.6036% | 5,705 |
| Memoranda: | ||
| Average total assets | $4,806,986,750 | 181 |
| Average earning assets | $4,438,064,500 | 175 |
| Average equity | $488,868,750 | 199 |
| Average total loans | $3,243,488,250 | 173 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 4,858 |
| Cost of funding earning assets | 0.7202% | 3,847 |
| Net interest margin | 3.5068% | 4,640 |
| Noninterest income to average assets | 2.2257% | 344 |
| Noninterest expense to average assets | 3.3714% | 2,097 |
| Loan and lease loss provision to assets | 0.3168% | 2,083 |
| Net operating income to assets | 1.0538% | 2,231 |
| Return on assets (ROA) | 1.1586% | 2,061 |
| Pretax return on assets | 1.9562% | 749 |
| Return on Equity (ROE) | 11.3956% | 1,850 |
| Retained earnings to average equity (ytd only) | 11.3956% | 676 |
| Net charge-offs to loans | 1.5341% | 637 |
| Credit loss provision to net charge-offs | 30.7826% | 4,430 |
| Earnings coverage of net charge-offs (x) | 2.0497% | 3,963 |
| Efficiency ratio | 61.5150% | 5,328 |
| Assets per employee ($millions) | 6.7331% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6870% | 1,051 |
| Loan loss allowance to noncurrent loans | 117.3934% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 2.2160% | 2,525 |
| Noncurrent loans to loans | 2.2889% | 2,627 |
| Net loans and leases to total assets | 65.9968% | 2,669 |
| Net loans and leases to deposits | 97.8076% | 538 |
| Net loans and leases to core deposits | 120.5605% | 301 |
| Total domestic deposits to total assets | 67.4762% | 7,015 |
| Equity capital to assets | 10.4066% | 3,803 |
| Core capital (leverage) ratio | 9.3208% | 4,423 |
| Tier 1 risk-based capital ratio | 12.4713% | 5,588 |
| Total risk-based capital ratio | 14.9969% | 4,601 |
| Memoranda: | ||
| Average total assets | $4,703,777,330 | 181 |
| Average earning assets | $4,365,832,000 | 177 |
| Average equity | $478,237,670 | 202 |
| Average total loans | $3,155,213,000 | 176 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 4,887 |
| Cost of funding earning assets | 0.7628% | 3,765 |
| Net interest margin | 3.4977% | 4,714 |
| Noninterest income to average assets | 1.9985% | 411 |
| Noninterest expense to average assets | 3.0842% | 2,973 |
| Loan and lease loss provision to assets | 0.6297% | 885 |
| Net operating income to assets | 0.9161% | 2,844 |
| Return on assets (ROA) | 0.9617% | 2,831 |
| Pretax return on assets | 1.6099% | 1,540 |
| Return on Equity (ROE) | 9.5743% | 2,573 |
| Retained earnings to average equity (ytd only) | 9.5743% | 1,392 |
| Net charge-offs to loans | 2.2588% | 386 |
| Credit loss provision to net charge-offs | 41.7970% | 3,427 |
| Earnings coverage of net charge-offs (x) | 1.4393% | 3,607 |
| Efficiency ratio | 58.7173% | 5,814 |
| Assets per employee ($millions) | 7.1669% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0030% | 827 |
| Loan loss allowance to noncurrent loans | 100.0118% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 2.7667% | 2,116 |
| Noncurrent loans to loans | 3.0027% | 2,150 |
| Net loans and leases to total assets | 64.6359% | 2,732 |
| Net loans and leases to deposits | 99.6737% | 380 |
| Net loans and leases to core deposits | 123.0007% | 268 |
| Total domestic deposits to total assets | 64.8475% | 7,127 |
| Equity capital to assets | 10.1462% | 3,926 |
| Core capital (leverage) ratio | 8.8917% | 5,002 |
| Tier 1 risk-based capital ratio | 11.6952% | 6,159 |
| Total risk-based capital ratio | 14.2618% | 5,183 |
| Memoranda: | ||
| Average total assets | $4,668,787,000 | 180 |
| Average earning assets | $4,343,774,500 | 175 |
| Average equity | $468,964,000 | 201 |
| Average total loans | $3,114,059,500 | 174 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 5,197 |
| Cost of funding earning assets | 1.0605% | 2,953 |
| Net interest margin | 3.4053% | 5,466 |
| Noninterest income to average assets | 1.0165% | 1,321 |
| Noninterest expense to average assets | 2.5615% | 5,247 |
| Loan and lease loss provision to assets | 1.1051% | 819 |
| Net operating income to assets | 1.9341% | 352 |
| Return on assets (ROA) | 2.0322% | 311 |
| Pretax return on assets | 0.6653% | 4,452 |
| Return on Equity (ROE) | 25.2495% | 99 |
| Retained earnings to average equity (ytd only) | 25.2495% | 23 |
| Net charge-offs to loans | 2.3386% | 531 |
| Credit loss provision to net charge-offs | 70.2858% | 4,836 |
| Earnings coverage of net charge-offs (x) | 1.0636% | 4,992 |
| Efficiency ratio | 60.4998% | 5,669 |
| Assets per employee ($millions) | 7.4044% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3312% | 604 |
| Loan loss allowance to noncurrent loans | 100.6617% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 2.9482% | 2,037 |
| Noncurrent loans to loans | 3.3093% | 1,957 |
| Net loans and leases to total assets | 64.5382% | 3,071 |
| Net loans and leases to deposits | 95.0228% | 742 |
| Net loans and leases to core deposits | 119.1905% | 372 |
| Total domestic deposits to total assets | 67.9186% | 7,075 |
| Equity capital to assets | 9.9429% | 4,235 |
| Core capital (leverage) ratio | 8.5293% | 5,511 |
| Tier 1 risk-based capital ratio | 10.8545% | 6,530 |
| Total risk-based capital ratio | 13.4159% | 5,689 |
| Memoranda: | ||
| Average total assets | $4,457,065,000 | 182 |
| Average earning assets | $4,211,080,200 | 175 |
| Average equity | $358,724,400 | 235 |
| Average total loans | $2,996,720,800 | 176 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 5,197 |
| Cost of funding earning assets | 1.1431% | 2,676 |
| Net interest margin | 3.3783% | 5,641 |
| Noninterest income to average assets | 0.8654% | 1,773 |
| Noninterest expense to average assets | 2.5135% | 5,419 |
| Loan and lease loss provision to assets | 1.1593% | 689 |
| Net operating income to assets | 0.3925% | 5,033 |
| Return on assets (ROA) | 0.5291% | 4,599 |
| Pretax return on assets | 0.5353% | 5,023 |
| Return on Equity (ROE) | 7.0103% | 3,523 |
| Retained earnings to average equity (ytd only) | 7.0103% | 1,962 |
| Net charge-offs to loans | 2.5641% | 418 |
| Credit loss provision to net charge-offs | 67.1200% | 4,573 |
| Earnings coverage of net charge-offs (x) | 0.9013% | 4,948 |
| Efficiency ratio | 61.7539% | 5,454 |
| Assets per employee ($millions) | 7.3549% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5010% | 563 |
| Loan loss allowance to noncurrent loans | 87.0579% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 3.2980% | 1,927 |
| Noncurrent loans to loans | 4.0215% | 1,647 |
| Net loans and leases to total assets | 64.8958% | 3,131 |
| Net loans and leases to deposits | 99.1635% | 507 |
| Net loans and leases to core deposits | 128.9238% | 259 |
| Total domestic deposits to total assets | 65.4432% | 7,214 |
| Equity capital to assets | 8.5828% | 6,218 |
| Core capital (leverage) ratio | 8.1409% | 6,227 |
| Tier 1 risk-based capital ratio | 10.4694% | 6,789 |
| Total risk-based capital ratio | 13.0645% | 6,015 |
| Memoranda: | ||
| Average total assets | $4,405,145,750 | 185 |
| Average earning assets | $4,178,994,000 | 176 |
| Average equity | $332,452,500 | 244 |
| Average total loans | $2,967,330,250 | 177 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5436% | 5,197 |
| Cost of funding earning assets | 1.2263% | 2,403 |
| Net interest margin | 3.3173% | 5,807 |
| Noninterest income to average assets | 0.6297% | 2,950 |
| Noninterest expense to average assets | 2.5351% | 5,421 |
| Loan and lease loss provision to assets | 1.0084% | 862 |
| Net operating income to assets | 0.2248% | 5,647 |
| Return on assets (ROA) | 0.2083% | 5,829 |
| Pretax return on assets | 0.2197% | 5,890 |
| Return on Equity (ROE) | 2.8961% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.8961% | 4,441 |
| Net charge-offs to loans | 2.5490% | 457 |
| Credit loss provision to net charge-offs | 58.6974% | 4,372 |
| Earnings coverage of net charge-offs (x) | 0.7250% | 4,749 |
| Efficiency ratio | 67.0552% | 4,693 |
| Assets per employee ($millions) | 7.2125% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7394% | 497 |
| Loan loss allowance to noncurrent loans | 76.2236% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 3.8391% | 1,686 |
| Noncurrent loans to loans | 4.9058% | 1,343 |
| Net loans and leases to total assets | 64.0118% | 3,458 |
| Net loans and leases to deposits | 95.9585% | 724 |
| Net loans and leases to core deposits | 123.6460% | 349 |
| Total domestic deposits to total assets | 66.7078% | 7,245 |
| Equity capital to assets | 7.6391% | 6,885 |
| Core capital (leverage) ratio | 7.9978% | 6,299 |
| Tier 1 risk-based capital ratio | 10.1731% | 6,922 |
| Total risk-based capital ratio | 13.1108% | 5,866 |
| Memoranda: | ||
| Average total assets | $4,375,575,000 | 187 |
| Average earning assets | $4,156,061,330 | 178 |
| Average equity | $314,703,330 | 253 |
| Average total loans | $2,949,064,000 | 181 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 5,036 |
| Cost of funding earning assets | 1.2638% | 2,398 |
| Net interest margin | 3.3149% | 5,725 |
| Noninterest income to average assets | 0.6392% | 2,904 |
| Noninterest expense to average assets | 2.5712% | 5,327 |
| Loan and lease loss provision to assets | 0.9372% | 840 |
| Net operating income to assets | 0.2940% | 5,439 |
| Return on assets (ROA) | 0.2940% | 5,511 |
| Pretax return on assets | 0.2844% | 5,704 |
| Return on Equity (ROE) | 4.2198% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.2198% | 3,631 |
| Net charge-offs to loans | 2.6765% | 411 |
| Credit loss provision to net charge-offs | 51.6101% | 3,719 |
| Earnings coverage of net charge-offs (x) | 0.6727% | 4,123 |
| Efficiency ratio | 67.7903% | 4,698 |
| Assets per employee ($millions) | 7.0039% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0527% | 410 |
| Loan loss allowance to noncurrent loans | 68.3467% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 4.6676% | 1,373 |
| Noncurrent loans to loans | 5.9297% | 1,073 |
| Net loans and leases to total assets | 63.7071% | 3,496 |
| Net loans and leases to deposits | 87.9342% | 1,472 |
| Net loans and leases to core deposits | 117.4487% | 491 |
| Total domestic deposits to total assets | 72.4486% | 7,044 |
| Equity capital to assets | 7.4301% | 6,903 |
| Core capital (leverage) ratio | 7.8433% | 6,426 |
| Tier 1 risk-based capital ratio | 10.4323% | 6,843 |
| Total risk-based capital ratio | 13.4225% | 5,527 |
| Memoranda: | ||
| Average total assets | $4,370,773,500 | 187 |
| Average earning assets | $4,158,029,000 | 178 |
| Average equity | $304,562,000 | 259 |
| Average total loans | $2,965,558,500 | 179 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 5,104 |
| Cost of funding earning assets | 1.5271% | 2,494 |
| Net interest margin | 3.3570% | 5,770 |
| Noninterest income to average assets | 0.7021% | 2,832 |
| Noninterest expense to average assets | 2.5851% | 5,476 |
| Loan and lease loss provision to assets | 3.1678% | 282 |
| Net operating income to assets | -1.9056% | 7,038 |
| Return on assets (ROA) | -0.9898% | 6,716 |
| Pretax return on assets | -0.9629% | 6,616 |
| Return on Equity (ROE) | -13.7012% | 6,870 |
| Retained earnings to average equity (ytd only) | -13.7012% | 6,827 |
| Net charge-offs to loans | 4.1015% | 303 |
| Credit loss provision to net charge-offs | 114.7365% | 3,783 |
| Earnings coverage of net charge-offs (x) | 0.4669% | 5,647 |
| Efficiency ratio | 66.7253% | 4,814 |
| Assets per employee ($millions) | 7.5621% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0256% | 390 |
| Loan loss allowance to noncurrent loans | 77.9812% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 4.1113% | 1,644 |
| Noncurrent loans to loans | 5.1623% | 1,287 |
| Net loans and leases to total assets | 66.4502% | 3,366 |
| Net loans and leases to deposits | 97.3697% | 763 |
| Net loans and leases to core deposits | 128.2040% | 354 |
| Total domestic deposits to total assets | 68.2452% | 7,314 |
| Equity capital to assets | 6.5265% | 7,251 |
| Core capital (leverage) ratio | 7.0495% | 7,003 |
| Tier 1 risk-based capital ratio | 9.1265% | 7,218 |
| Total risk-based capital ratio | 12.0383% | 6,465 |
| Memoranda: | ||
| Average total assets | $4,518,184,400 | 184 |
| Average earning assets | $4,269,279,400 | 174 |
| Average equity | $326,410,400 | 243 |
| Average total loans | $3,041,412,000 | 178 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9465% | 5,052 |
| Cost of funding earning assets | 1.5899% | 2,444 |
| Net interest margin | 3.3565% | 5,818 |
| Noninterest income to average assets | 0.6011% | 3,431 |
| Noninterest expense to average assets | 2.3469% | 6,182 |
| Loan and lease loss provision to assets | 2.4487% | 440 |
| Net operating income to assets | -1.0556% | 6,930 |
| Return on assets (ROA) | -0.0439% | 6,199 |
| Pretax return on assets | -0.0165% | 6,110 |
| Return on Equity (ROE) | -0.5933% | 6,234 |
| Retained earnings to average equity (ytd only) | -0.5933% | 5,941 |
| Net charge-offs to loans | 4.1939% | 278 |
| Credit loss provision to net charge-offs | 87.3524% | 4,878 |
| Earnings coverage of net charge-offs (x) | 0.5067% | 5,516 |
| Efficiency ratio | 62.2960% | 5,565 |
| Assets per employee ($millions) | 8.2868% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1039% | 760 |
| Loan loss allowance to noncurrent loans | 79.4957% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 3.1214% | 2,312 |
| Noncurrent loans to loans | 3.9044% | 1,935 |
| Net loans and leases to total assets | 63.3283% | 4,250 |
| Net loans and leases to deposits | 98.0007% | 793 |
| Net loans and leases to core deposits | 127.0112% | 435 |
| Total domestic deposits to total assets | 64.6202% | 7,506 |
| Equity capital to assets | 7.6058% | 7,059 |
| Core capital (leverage) ratio | 7.8326% | 6,540 |
| Tier 1 risk-based capital ratio | 10.1513% | 6,984 |
| Total risk-based capital ratio | 13.0601% | 5,608 |
| Memoranda: | ||
| Average total assets | $4,530,431,500 | 181 |
| Average earning assets | $4,273,654,500 | 172 |
| Average equity | $335,092,000 | 233 |
| Average total loans | $3,028,175,500 | 178 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9602% | 5,132 |
| Cost of funding earning assets | 1.6482% | 2,399 |
| Net interest margin | 3.3120% | 5,974 |
| Noninterest income to average assets | 0.4116% | 4,815 |
| Noninterest expense to average assets | 2.3968% | 6,076 |
| Loan and lease loss provision to assets | 2.8963% | 348 |
| Net operating income to assets | -1.7416% | 7,240 |
| Return on assets (ROA) | -1.6715% | 7,219 |
| Pretax return on assets | -1.6443% | 7,124 |
| Return on Equity (ROE) | -22.8214% | 7,335 |
| Retained earnings to average equity (ytd only) | -22.8214% | 7,320 |
| Net charge-offs to loans | 4.6760% | 234 |
| Credit loss provision to net charge-offs | 91.9659% | 4,369 |
| Earnings coverage of net charge-offs (x) | 0.3753% | 5,363 |
| Efficiency ratio | 66.9743% | 4,770 |
| Assets per employee ($millions) | 9.1922% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3085% | 640 |
| Loan loss allowance to noncurrent loans | 65.0999% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 3.9429% | 1,759 |
| Noncurrent loans to loans | 5.0821% | 1,351 |
| Net loans and leases to total assets | 64.1622% | 4,232 |
| Net loans and leases to deposits | 95.2671% | 1,115 |
| Net loans and leases to core deposits | 125.3219% | 533 |
| Total domestic deposits to total assets | 67.3497% | 7,456 |
| Equity capital to assets | 7.6906% | 6,998 |
| Core capital (leverage) ratio | 6.7848% | 7,288 |
| Tier 1 risk-based capital ratio | 9.0346% | 7,407 |
| Total risk-based capital ratio | 11.9337% | 6,533 |
| Memoranda: | ||
| Average total assets | $4,493,714,000 | 183 |
| Average earning assets | $4,297,031,000 | 170 |
| Average equity | $329,138,330 | 237 |
| Average total loans | $3,026,587,670 | 178 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 5,171 |
| Cost of funding earning assets | 1.7089% | 2,346 |
| Net interest margin | 3.2569% | 6,110 |
| Noninterest income to average assets | 0.2974% | 5,768 |
| Noninterest expense to average assets | 2.4197% | 6,016 |
| Loan and lease loss provision to assets | 1.8986% | 591 |
| Net operating income to assets | -0.9317% | 7,072 |
| Return on assets (ROA) | -0.8029% | 7,030 |
| Pretax return on assets | -0.7754% | 6,936 |
| Return on Equity (ROE) | -11.2515% | 7,179 |
| Retained earnings to average equity (ytd only) | -11.2515% | 7,027 |
| Net charge-offs to loans | 3.5966% | 386 |
| Credit loss provision to net charge-offs | 77.7868% | 3,934 |
| Earnings coverage of net charge-offs (x) | 0.4074% | 4,670 |
| Efficiency ratio | 70.8740% | 4,141 |
| Assets per employee ($millions) | 9.5290% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3308% | 618 |
| Loan loss allowance to noncurrent loans | 70.9335% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 3.6829% | 1,899 |
| Noncurrent loans to loans | 4.6957% | 1,573 |
| Net loans and leases to total assets | 64.4880% | 4,218 |
| Net loans and leases to deposits | 98.1051% | 901 |
| Net loans and leases to core deposits | 141.1722% | 316 |
| Total domestic deposits to total assets | 65.7336% | 7,624 |
| Equity capital to assets | 7.3177% | 7,204 |
| Core capital (leverage) ratio | 7.0098% | 7,242 |
| Tier 1 risk-based capital ratio | 9.2075% | 7,422 |
| Total risk-based capital ratio | 12.1186% | 6,259 |
| Memoranda: | ||
| Average total assets | $4,451,711,500 | 192 |
| Average earning assets | $4,260,061,500 | 175 |
| Average equity | $317,681,000 | 243 |
| Average total loans | $3,021,049,500 | 181 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1205% | 5,998 |
| Cost of funding earning assets | 2.1272% | 2,337 |
| Net interest margin | 2.9933% | 6,665 |
| Noninterest income to average assets | 0.3394% | 5,661 |
| Noninterest expense to average assets | 2.1164% | 7,150 |
| Loan and lease loss provision to assets | 2.0019% | 1,085 |
| Net operating income to assets | -0.9287% | 6,525 |
| Return on assets (ROA) | -0.5356% | 6,211 |
| Pretax return on assets | -0.5125% | 6,021 |
| Return on Equity (ROE) | -7.4992% | 6,427 |
| Retained earnings to average equity (ytd only) | -7.4992% | 6,288 |
| Net charge-offs to loans | 3.5492% | 541 |
| Credit loss provision to net charge-offs | 80.0284% | 6,278 |
| Earnings coverage of net charge-offs (x) | 0.4383% | 5,667 |
| Efficiency ratio | 65.8758% | 5,418 |
| Assets per employee ($millions) | 10.1295% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4983% | 528 |
| Loan loss allowance to noncurrent loans | 75.0626% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 3.7498% | 1,776 |
| Noncurrent loans to loans | 4.6605% | 1,510 |
| Net loans and leases to total assets | 66.6291% | 4,009 |
| Net loans and leases to deposits | 96.9054% | 1,220 |
| Net loans and leases to core deposits | 117.9409% | 2,138 |
| Total domestic deposits to total assets | 68.7568% | 7,502 |
| Equity capital to assets | 6.9500% | 7,391 |
| Core capital (leverage) ratio | 6.7726% | 7,383 |
| Tier 1 risk-based capital ratio | 8.7296% | 7,556 |
| Total risk-based capital ratio | 11.6419% | 6,477 |
| Memoranda: | ||
| Average total assets | $4,476,396,800 | 189 |
| Average earning assets | $4,297,051,800 | 178 |
| Average equity | $319,725,600 | 238 |
| Average total loans | $3,154,935,400 | 182 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1246% | 6,188 |
| Cost of funding earning assets | 2.2107% | 2,358 |
| Net interest margin | 2.9139% | 6,824 |
| Noninterest income to average assets | 0.3469% | 5,722 |
| Noninterest expense to average assets | 1.9301% | 7,493 |
| Loan and lease loss provision to assets | 2.0937% | 845 |
| Net operating income to assets | -0.9269% | 6,782 |
| Return on assets (ROA) | -0.6708% | 6,587 |
| Pretax return on assets | -0.6208% | 6,413 |
| Return on Equity (ROE) | -9.3306% | 6,844 |
| Retained earnings to average equity (ytd only) | -9.3306% | 6,745 |
| Net charge-offs to loans | 3.8525% | 375 |
| Credit loss provision to net charge-offs | 76.7281% | 5,842 |
| Earnings coverage of net charge-offs (x) | 0.4459% | 5,580 |
| Efficiency ratio | 61.3333% | 6,222 |
| Assets per employee ($millions) | 10.6381% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4401% | 443 |
| Loan loss allowance to noncurrent loans | 60.8635% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 4.3232% | 1,427 |
| Noncurrent loans to loans | 5.6521% | 1,095 |
| Net loans and leases to total assets | 67.1434% | 4,152 |
| Net loans and leases to deposits | 96.8910% | 1,460 |
| Net loans and leases to core deposits | 118.6773% | 2,360 |
| Total domestic deposits to total assets | 69.2979% | 7,472 |
| Equity capital to assets | 7.4038% | 7,369 |
| Core capital (leverage) ratio | 6.5635% | 7,644 |
| Tier 1 risk-based capital ratio | 8.6654% | 7,715 |
| Total risk-based capital ratio | 11.5574% | 6,622 |
| Memoranda: | ||
| Average total assets | $4,496,447,250 | 197 |
| Average earning assets | $4,320,583,750 | 181 |
| Average equity | $323,273,000 | 246 |
| Average total loans | $3,184,837,250 | 192 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0918% | 6,469 |
| Cost of funding earning assets | 2.2822% | 2,440 |
| Net interest margin | 2.8096% | 6,994 |
| Noninterest income to average assets | 0.4499% | 4,847 |
| Noninterest expense to average assets | 1.9681% | 7,518 |
| Loan and lease loss provision to assets | 2.4463% | 643 |
| Net operating income to assets | -1.3305% | 7,175 |
| Return on assets (ROA) | -0.9636% | 6,949 |
| Pretax return on assets | -0.9005% | 6,751 |
| Return on Equity (ROE) | -13.5363% | 7,255 |
| Retained earnings to average equity (ytd only) | -13.5363% | 7,157 |
| Net charge-offs to loans | 3.1599% | 514 |
| Credit loss provision to net charge-offs | 108.6386% | 4,256 |
| Earnings coverage of net charge-offs (x) | 0.5235% | 5,182 |
| Efficiency ratio | 62.5397% | 6,161 |
| Assets per employee ($millions) | 10.6867% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1831% | 225 |
| Loan loss allowance to noncurrent loans | 70.0294% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 4.6207% | 1,199 |
| Noncurrent loans to loans | 5.9733% | 915 |
| Net loans and leases to total assets | 67.0389% | 4,353 |
| Net loans and leases to deposits | 93.4107% | 2,187 |
| Net loans and leases to core deposits | 115.8404% | 2,725 |
| Total domestic deposits to total assets | 71.7679% | 7,268 |
| Equity capital to assets | 6.8300% | 7,695 |
| Core capital (leverage) ratio | 6.5383% | 7,778 |
| Tier 1 risk-based capital ratio | 8.3990% | 7,860 |
| Total risk-based capital ratio | 11.2429% | 6,872 |
| Memoranda: | ||
| Average total assets | $4,502,378,330 | 201 |
| Average earning assets | $4,321,939,670 | 189 |
| Average equity | $320,500,000 | 250 |
| Average total loans | $3,208,365,000 | 195 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0459% | 6,810 |
| Cost of funding earning assets | 2.3496% | 2,507 |
| Net interest margin | 2.6962% | 7,211 |
| Noninterest income to average assets | 0.4267% | 4,989 |
| Noninterest expense to average assets | 1.8283% | 7,662 |
| Loan and lease loss provision to assets | 1.3887% | 921 |
| Net operating income to assets | -0.1305% | 6,458 |
| Return on assets (ROA) | -0.0920% | 6,517 |
| Pretax return on assets | -0.1412% | 6,514 |
| Return on Equity (ROE) | -1.2664% | 6,584 |
| Retained earnings to average equity (ytd only) | -1.2664% | 5,950 |
| Net charge-offs to loans | 1.7159% | 845 |
| Credit loss provision to net charge-offs | 112.5389% | 3,445 |
| Earnings coverage of net charge-offs (x) | 0.9630% | 4,293 |
| Efficiency ratio | 60.6076% | 6,308 |
| Assets per employee ($millions) | 10.8950% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0535% | 211 |
| Loan loss allowance to noncurrent loans | 70.6913% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 4.3359% | 1,128 |
| Noncurrent loans to loans | 5.7340% | 858 |
| Net loans and leases to total assets | 67.2322% | 4,304 |
| Net loans and leases to deposits | 95.7907% | 1,982 |
| Net loans and leases to core deposits | 114.3401% | 2,978 |
| Total domestic deposits to total assets | 70.1866% | 7,412 |
| Equity capital to assets | 7.1927% | 7,565 |
| Core capital (leverage) ratio | 6.8265% | 7,750 |
| Tier 1 risk-based capital ratio | 8.2951% | 7,978 |
| Total risk-based capital ratio | 11.0961% | 6,995 |
| Memoranda: | ||
| Average total assets | $4,482,639,000 | 201 |
| Average earning assets | $4,305,865,500 | 191 |
| Average equity | $325,646,000 | 247 |
| Average total loans | $3,223,678,000 | 195 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5708% | 7,151 |
| Cost of funding earning assets | 2.8564% | 2,459 |
| Net interest margin | 2.7144% | 7,473 |
| Noninterest income to average assets | 0.3978% | 5,488 |
| Noninterest expense to average assets | 2.3542% | 6,556 |
| Loan and lease loss provision to assets | 3.7519% | 191 |
| Net operating income to assets | -2.9902% | 7,825 |
| Return on assets (ROA) | -3.0502% | 7,807 |
| Pretax return on assets | -3.1780% | 7,748 |
| Return on Equity (ROE) | -38.6703% | 8,064 |
| Retained earnings to average equity (ytd only) | -38.6703% | 8,031 |
| Net charge-offs to loans | 2.4956% | 386 |
| Credit loss provision to net charge-offs | 205.0874% | 2,369 |
| Earnings coverage of net charge-offs (x) | 0.3478% | 6,023 |
| Efficiency ratio | 78.7216% | 2,799 |
| Assets per employee ($millions) | 9.8172% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9758% | 190 |
| Loan loss allowance to noncurrent loans | 64.1521% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 4.8775% | 723 |
| Noncurrent loans to loans | 6.1975% | 543 |
| Net loans and leases to total assets | 70.9086% | 3,810 |
| Net loans and leases to deposits | 96.7945% | 2,314 |
| Net loans and leases to core deposits | 114.0119% | 3,339 |
| Total domestic deposits to total assets | 73.2569% | 6,786 |
| Equity capital to assets | 7.3400% | 7,519 |
| Core capital (leverage) ratio | 7.1097% | 7,608 |
| Tier 1 risk-based capital ratio | 8.3247% | 8,027 |
| Total risk-based capital ratio | 11.1249% | 6,762 |
| Memoranda: | ||
| Average total assets | $3,842,272,800 | 216 |
| Average earning assets | $3,670,028,600 | 208 |
| Average equity | $303,065,000 | 266 |
| Average total loans | $2,816,614,000 | 210 |