Home > Fidelity Bank > Performance and Condition Ratios
Fidelity Bank, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 3,376 |
| Cost of funding earning assets | 0.8042% | 2,623 |
| Net interest margin | 3.5806% | 3,334 |
| Noninterest income to average assets | 2.2017% | 230 |
| Noninterest expense to average assets | 6.0970% | 139 |
| Loan and lease loss provision to assets | 0.1292% | 1,445 |
| Net operating income to assets | -0.5696% | 5,193 |
| Return on assets (ROA) | -0.5696% | 5,200 |
| Pretax return on assets | -0.7697% | 5,211 |
| Return on Equity (ROE) | -5.8761% | 5,212 |
| Retained earnings to average equity (ytd only) | -15.3573% | 5,224 |
| Net charge-offs to loans | 0.1519% | 1,028 |
| Credit loss provision to net charge-offs | 103.1847% | 1,917 |
| Earnings coverage of net charge-offs (x) | -5.1163% | 3,143 |
| Efficiency ratio | 111.3325% | 96 |
| Assets per employee ($millions) | 3.9606% | 3,923 |
| Cash dividends to net income (ytd only)* | -161.3497% | 5,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,449 |
| Loan loss allowance to noncurrent loans | 44.7944% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.6196% | 665 |
| Noncurrent loans to loans | 1.7812% | 845 |
| Net loans and leases to total assets | 81.3331% | 691 |
| Net loans and leases to deposits | 95.2563% | 1,120 |
| Net loans and leases to core deposits | 101.9658% | 1,558 |
| Total domestic deposits to total assets | 85.3835% | 2,313 |
| Equity capital to assets | 9.2533% | 4,608 |
| Core capital (leverage) ratio | 8.6417% | 4,883 |
| Tier 1 risk-based capital ratio | 10.0012% | 5,228 |
| Total risk-based capital ratio | 12.8826% | 4,514 |
| Memoranda: | ||
| Average total assets | $4,765,586,330 | 240 |
| Average earning assets | $4,331,801,000 | 237 |
| Average equity | $461,970,000 | 262 |
| Average total loans | $3,927,125,670 | 211 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3577% | 3,383 |
| Cost of funding earning assets | 0.7854% | 2,624 |
| Net interest margin | 3.5723% | 3,356 |
| Noninterest income to average assets | 2.0104% | 245 |
| Noninterest expense to average assets | 4.4545% | 306 |
| Loan and lease loss provision to assets | 0.0787% | 2,114 |
| Net operating income to assets | 0.5687% | 4,340 |
| Return on assets (ROA) | 0.5687% | 4,367 |
| Pretax return on assets | 0.7177% | 4,261 |
| Return on Equity (ROE) | 5.7360% | 4,106 |
| Retained earnings to average equity (ytd only) | 3.1934% | 3,660 |
| Net charge-offs to loans | 0.0947% | 1,189 |
| Credit loss provision to net charge-offs | 100.5371% | 1,565 |
| Earnings coverage of net charge-offs (x) | 10.1794% | 1,973 |
| Efficiency ratio | 84.4112% | 681 |
| Assets per employee ($millions) | 3.6226% | 4,438 |
| Cash dividends to net income (ytd only)* | 44.3262% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 4,550 |
| Loan loss allowance to noncurrent loans | 45.8614% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 1.5973% | 720 |
| Noncurrent loans to loans | 1.7240% | 894 |
| Net loans and leases to total assets | 81.6930% | 622 |
| Net loans and leases to deposits | 97.8067% | 799 |
| Net loans and leases to core deposits | 105.7984% | 1,187 |
| Total domestic deposits to total assets | 83.5250% | 3,211 |
| Equity capital to assets | 9.9327% | 3,887 |
| Core capital (leverage) ratio | 9.0010% | 4,654 |
| Tier 1 risk-based capital ratio | 10.2239% | 5,238 |
| Total risk-based capital ratio | 13.0777% | 4,453 |
| Memoranda: | ||
| Average total assets | $4,760,162,500 | 240 |
| Average earning assets | $4,317,950,500 | 238 |
| Average equity | $471,966,500 | 261 |
| Average total loans | $3,932,654,000 | 211 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 3,459 |
| Cost of funding earning assets | 0.7034% | 2,071 |
| Net interest margin | 3.4898% | 3,740 |
| Noninterest income to average assets | 2.9033% | 157 |
| Noninterest expense to average assets | 4.6800% | 259 |
| Loan and lease loss provision to assets | 0.1159% | 1,899 |
| Net operating income to assets | 0.9706% | 3,134 |
| Return on assets (ROA) | 0.9706% | 3,134 |
| Pretax return on assets | 1.2770% | 2,591 |
| Return on Equity (ROE) | 10.4195% | 2,338 |
| Retained earnings to average equity (ytd only) | 8.3239% | 1,108 |
| Net charge-offs to loans | 0.1019% | 1,739 |
| Credit loss provision to net charge-offs | 133.2609% | 1,995 |
| Earnings coverage of net charge-offs (x) | 16.0174% | 2,282 |
| Efficiency ratio | 76.6810% | 1,269 |
| Assets per employee ($millions) | 3.3652% | 4,691 |
| Cash dividends to net income (ytd only)* | 20.1120% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 4,555 |
| Loan loss allowance to noncurrent loans | 50.6562% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.4738% | 800 |
| Noncurrent loans to loans | 1.5668% | 945 |
| Net loans and leases to total assets | 82.2329% | 619 |
| Net loans and leases to deposits | 97.5057% | 940 |
| Net loans and leases to core deposits | 104.5414% | 1,373 |
| Total domestic deposits to total assets | 84.3365% | 2,895 |
| Equity capital to assets | 9.8970% | 3,765 |
| Core capital (leverage) ratio | 8.7212% | 4,862 |
| Tier 1 risk-based capital ratio | 10.1106% | 5,275 |
| Total risk-based capital ratio | 12.9829% | 4,482 |
| Memoranda: | ||
| Average total assets | $4,764,334,800 | 232 |
| Average earning assets | $4,327,092,600 | 234 |
| Average equity | $443,794,600 | 265 |
| Average total loans | $4,063,790,800 | 203 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0788% | 3,705 |
| Cost of funding earning assets | 0.6775% | 1,987 |
| Net interest margin | 3.4013% | 4,003 |
| Noninterest income to average assets | 2.9980% | 160 |
| Noninterest expense to average assets | 4.6743% | 255 |
| Loan and lease loss provision to assets | 0.1335% | 1,509 |
| Net operating income to assets | 0.9987% | 3,088 |
| Return on assets (ROA) | 0.9987% | 3,102 |
| Pretax return on assets | 1.2933% | 2,652 |
| Return on Equity (ROE) | 10.8903% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.0621% | 1,191 |
| Net charge-offs to loans | 0.1103% | 1,385 |
| Credit loss provision to net charge-offs | 140.8434% | 1,797 |
| Earnings coverage of net charge-offs (x) | 15.0581% | 2,255 |
| Efficiency ratio | 76.2335% | 1,326 |
| Assets per employee ($millions) | 3.4021% | 4,681 |
| Cash dividends to net income (ytd only)* | 16.7870% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 4,724 |
| Loan loss allowance to noncurrent loans | 50.2297% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.4564% | 896 |
| Noncurrent loans to loans | 1.5210% | 1,067 |
| Net loans and leases to total assets | 84.1286% | 444 |
| Net loans and leases to deposits | 99.6357% | 818 |
| Net loans and leases to core deposits | 105.8478% | 1,319 |
| Total domestic deposits to total assets | 84.4362% | 2,799 |
| Equity capital to assets | 9.4423% | 4,140 |
| Core capital (leverage) ratio | 8.5004% | 5,096 |
| Tier 1 risk-based capital ratio | 9.7131% | 5,420 |
| Total risk-based capital ratio | 12.5324% | 4,803 |
| Memoranda: | ||
| Average total assets | $4,771,698,000 | 231 |
| Average earning assets | $4,353,290,750 | 232 |
| Average equity | $437,591,000 | 267 |
| Average total loans | $4,098,543,500 | 199 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 3,874 |
| Cost of funding earning assets | 0.6615% | 1,863 |
| Net interest margin | 3.3089% | 4,226 |
| Noninterest income to average assets | 3.0957% | 154 |
| Noninterest expense to average assets | 4.7132% | 255 |
| Loan and lease loss provision to assets | 0.1856% | 964 |
| Net operating income to assets | 0.9417% | 3,265 |
| Return on assets (ROA) | 0.9417% | 3,275 |
| Pretax return on assets | 1.2198% | 2,873 |
| Return on Equity (ROE) | 10.3726% | 2,394 |
| Retained earnings to average equity (ytd only) | 7.5951% | 1,796 |
| Net charge-offs to loans | 0.1250% | 1,181 |
| Credit loss provision to net charge-offs | 172.1637% | 1,441 |
| Earnings coverage of net charge-offs (x) | 13.0366% | 2,169 |
| Efficiency ratio | 76.6496% | 1,356 |
| Assets per employee ($millions) | 3.4497% | 4,662 |
| Cash dividends to net income (ytd only)* | 26.7773% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 4,834 |
| Loan loss allowance to noncurrent loans | 47.6918% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.4952% | 891 |
| Noncurrent loans to loans | 1.5647% | 1,046 |
| Net loans and leases to total assets | 85.9821% | 265 |
| Net loans and leases to deposits | 102.9622% | 596 |
| Net loans and leases to core deposits | 110.0999% | 993 |
| Total domestic deposits to total assets | 83.5084% | 3,248 |
| Equity capital to assets | 9.0095% | 4,551 |
| Core capital (leverage) ratio | 7.9265% | 5,369 |
| Tier 1 risk-based capital ratio | 8.9350% | 5,515 |
| Total risk-based capital ratio | 11.6814% | 5,203 |
| Memoranda: | ||
| Average total assets | $4,758,721,330 | 227 |
| Average earning assets | $4,347,303,000 | 229 |
| Average equity | $432,043,330 | 267 |
| Average total loans | $4,105,300,330 | 198 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8775% | 3,992 |
| Cost of funding earning assets | 0.6041% | 2,033 |
| Net interest margin | 3.2734% | 4,255 |
| Noninterest income to average assets | 3.1304% | 153 |
| Noninterest expense to average assets | 4.6364% | 265 |
| Loan and lease loss provision to assets | 0.1816% | 943 |
| Net operating income to assets | 1.0197% | 2,780 |
| Return on assets (ROA) | 1.0197% | 2,800 |
| Pretax return on assets | 1.3036% | 2,353 |
| Return on Equity (ROE) | 11.1871% | 1,888 |
| Retained earnings to average equity (ytd only) | 8.3814% | 1,696 |
| Net charge-offs to loans | 0.0953% | 1,223 |
| Credit loss provision to net charge-offs | 221.4137% | 978 |
| Earnings coverage of net charge-offs (x) | 18.1102% | 1,546 |
| Efficiency ratio | 75.3516% | 1,695 |
| Assets per employee ($millions) | 3.3754% | 4,818 |
| Cash dividends to net income (ytd only)* | 25.0794% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 4,925 |
| Loan loss allowance to noncurrent loans | 46.5746% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 890 |
| Noncurrent loans to loans | 1.6048% | 1,083 |
| Net loans and leases to total assets | 85.4215% | 304 |
| Net loans and leases to deposits | 105.0158% | 427 |
| Net loans and leases to core deposits | 110.3951% | 979 |
| Total domestic deposits to total assets | 81.3415% | 4,125 |
| Equity capital to assets | 8.9894% | 4,568 |
| Core capital (leverage) ratio | 8.2577% | 5,285 |
| Tier 1 risk-based capital ratio | 8.9466% | 5,578 |
| Total risk-based capital ratio | 11.7188% | 5,272 |
| Memoranda: | ||
| Average total assets | $4,692,252,500 | 231 |
| Average earning assets | $4,287,716,000 | 230 |
| Average equity | $427,707,500 | 271 |
| Average total loans | $4,039,164,500 | 197 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8472% | 3,893 |
| Cost of funding earning assets | 0.5264% | 2,124 |
| Net interest margin | 3.3208% | 4,094 |
| Noninterest income to average assets | 2.9675% | 176 |
| Noninterest expense to average assets | 4.6401% | 281 |
| Loan and lease loss provision to assets | 0.0946% | 2,312 |
| Net operating income to assets | 0.9136% | 2,639 |
| Return on assets (ROA) | 0.9136% | 2,667 |
| Pretax return on assets | 1.2510% | 2,548 |
| Return on Equity (ROE) | 10.1891% | 1,811 |
| Retained earnings to average equity (ytd only) | 7.9674% | 779 |
| Net charge-offs to loans | 0.1105% | 1,964 |
| Credit loss provision to net charge-offs | 102.3462% | 2,502 |
| Earnings coverage of net charge-offs (x) | 14.5545% | 2,321 |
| Efficiency ratio | 77.0229% | 1,481 |
| Assets per employee ($millions) | 3.2817% | 4,954 |
| Cash dividends to net income (ytd only)* | 21.8044% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7559% | 4,941 |
| Loan loss allowance to noncurrent loans | 55.8302% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 1,080 |
| Noncurrent loans to loans | 1.3539% | 1,291 |
| Net loans and leases to total assets | 85.4485% | 292 |
| Net loans and leases to deposits | 100.8299% | 673 |
| Net loans and leases to core deposits | 107.1699% | 1,201 |
| Total domestic deposits to total assets | 84.7452% | 2,929 |
| Equity capital to assets | 9.2474% | 4,476 |
| Core capital (leverage) ratio | 8.3458% | 5,258 |
| Tier 1 risk-based capital ratio | 9.1682% | 5,628 |
| Total risk-based capital ratio | 12.0253% | 5,157 |
| Memoranda: | ||
| Average total assets | $4,517,884,000 | 225 |
| Average earning assets | $4,106,314,400 | 226 |
| Average equity | $405,098,600 | 266 |
| Average total loans | $3,779,846,800 | 200 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7915% | 4,038 |
| Cost of funding earning assets | 0.5259% | 2,067 |
| Net interest margin | 3.2656% | 4,275 |
| Noninterest income to average assets | 3.1212% | 178 |
| Noninterest expense to average assets | 4.6492% | 277 |
| Loan and lease loss provision to assets | 0.1266% | 1,712 |
| Net operating income to assets | 0.8296% | 3,392 |
| Return on assets (ROA) | 0.8296% | 3,424 |
| Pretax return on assets | 1.3115% | 2,431 |
| Return on Equity (ROE) | 9.3268% | 2,430 |
| Retained earnings to average equity (ytd only) | 7.6627% | 1,365 |
| Net charge-offs to loans | 0.1158% | 1,634 |
| Credit loss provision to net charge-offs | 131.6600% | 1,873 |
| Earnings coverage of net charge-offs (x) | 14.9599% | 2,265 |
| Efficiency ratio | 75.8783% | 1,608 |
| Assets per employee ($millions) | 3.2682% | 4,995 |
| Cash dividends to net income (ytd only)* | 17.8418% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8187% | 4,844 |
| Loan loss allowance to noncurrent loans | 64.0406% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.2570% | 1,290 |
| Noncurrent loans to loans | 1.2785% | 1,500 |
| Net loans and leases to total assets | 82.6473% | 584 |
| Net loans and leases to deposits | 94.2691% | 1,272 |
| Net loans and leases to core deposits | 100.9249% | 1,630 |
| Total domestic deposits to total assets | 87.6718% | 1,532 |
| Equity capital to assets | 9.1739% | 4,750 |
| Core capital (leverage) ratio | 8.3806% | 5,327 |
| Tier 1 risk-based capital ratio | 9.4964% | 5,672 |
| Total risk-based capital ratio | 12.5124% | 4,996 |
| Memoranda: | ||
| Average total assets | $4,503,698,250 | 225 |
| Average earning assets | $4,090,534,000 | 225 |
| Average equity | $400,614,250 | 266 |
| Average total loans | $3,740,128,250 | 202 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 3,977 |
| Cost of funding earning assets | 0.5237% | 1,972 |
| Net interest margin | 3.2520% | 4,256 |
| Noninterest income to average assets | 3.1966% | 176 |
| Noninterest expense to average assets | 4.6369% | 279 |
| Loan and lease loss provision to assets | 0.1265% | 1,638 |
| Net operating income to assets | 0.8834% | 3,000 |
| Return on assets (ROA) | 0.8834% | 3,058 |
| Pretax return on assets | 1.3859% | 2,072 |
| Return on Equity (ROE) | 10.0354% | 2,021 |
| Retained earnings to average equity (ytd only) | 9.0266% | 831 |
| Net charge-offs to loans | 0.1149% | 1,488 |
| Credit loss provision to net charge-offs | 132.7434% | 1,656 |
| Earnings coverage of net charge-offs (x) | 15.8673% | 2,004 |
| Efficiency ratio | 74.9121% | 1,867 |
| Assets per employee ($millions) | 3.3462% | 4,927 |
| Cash dividends to net income (ytd only)* | 10.0518% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 4,905 |
| Loan loss allowance to noncurrent loans | 67.4537% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 1,441 |
| Noncurrent loans to loans | 1.2103% | 1,610 |
| Net loans and leases to total assets | 80.2806% | 914 |
| Net loans and leases to deposits | 94.6643% | 1,209 |
| Net loans and leases to core deposits | 102.3825% | 1,478 |
| Total domestic deposits to total assets | 84.8056% | 2,890 |
| Equity capital to assets | 8.8219% | 5,052 |
| Core capital (leverage) ratio | 7.9739% | 5,542 |
| Tier 1 risk-based capital ratio | 9.3422% | 5,721 |
| Total risk-based capital ratio | 12.3474% | 5,096 |
| Memoranda: | ||
| Average total assets | $4,504,849,330 | 227 |
| Average earning assets | $4,090,286,000 | 228 |
| Average equity | $396,537,000 | 269 |
| Average total loans | $3,736,825,670 | 202 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7220% | 4,040 |
| Cost of funding earning assets | 0.5020% | 2,070 |
| Net interest margin | 3.2201% | 4,278 |
| Noninterest income to average assets | 3.3273% | 181 |
| Noninterest expense to average assets | 4.5094% | 332 |
| Loan and lease loss provision to assets | 0.1885% | 890 |
| Net operating income to assets | 0.9673% | 2,447 |
| Return on assets (ROA) | 0.9673% | 2,498 |
| Pretax return on assets | 1.5531% | 1,371 |
| Return on Equity (ROE) | 11.0010% | 1,570 |
| Retained earnings to average equity (ytd only) | 9.9798% | 812 |
| Net charge-offs to loans | 0.1461% | 1,074 |
| Credit loss provision to net charge-offs | 153.6211% | 1,199 |
| Earnings coverage of net charge-offs (x) | 14.1902% | 1,740 |
| Efficiency ratio | 71.6483% | 2,637 |
| Assets per employee ($millions) | 3.4362% | 4,874 |
| Cash dividends to net income (ytd only)* | 9.2825% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 5,010 |
| Loan loss allowance to noncurrent loans | 65.0887% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.2833% | 1,327 |
| Noncurrent loans to loans | 1.2591% | 1,602 |
| Net loans and leases to total assets | 81.4404% | 631 |
| Net loans and leases to deposits | 97.9914% | 774 |
| Net loans and leases to core deposits | 106.0905% | 1,092 |
| Total domestic deposits to total assets | 83.1098% | 3,797 |
| Equity capital to assets | 8.7720% | 5,020 |
| Core capital (leverage) ratio | 8.0812% | 5,519 |
| Tier 1 risk-based capital ratio | 9.0652% | 5,803 |
| Total risk-based capital ratio | 12.0502% | 5,330 |
| Memoranda: | ||
| Average total assets | $4,455,089,500 | 230 |
| Average earning assets | $4,044,993,500 | 230 |
| Average equity | $391,710,000 | 268 |
| Average total loans | $3,741,817,500 | 201 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 3,551 |
| Cost of funding earning assets | 0.5110% | 2,008 |
| Net interest margin | 3.3947% | 3,841 |
| Noninterest income to average assets | 3.3092% | 176 |
| Noninterest expense to average assets | 4.7426% | 308 |
| Loan and lease loss provision to assets | 0.1960% | 1,187 |
| Net operating income to assets | 0.9291% | 2,685 |
| Return on assets (ROA) | 0.9379% | 2,753 |
| Pretax return on assets | 1.4746% | 1,669 |
| Return on Equity (ROE) | 10.9172% | 1,608 |
| Retained earnings to average equity (ytd only) | 9.5865% | 481 |
| Net charge-offs to loans | 0.1158% | 2,101 |
| Credit loss provision to net charge-offs | 197.5042% | 1,431 |
| Earnings coverage of net charge-offs (x) | 16.6943% | 2,094 |
| Efficiency ratio | 73.6607% | 2,333 |
| Assets per employee ($millions) | 3.4149% | 4,879 |
| Cash dividends to net income (ytd only)* | 12.1886% | 3,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 5,128 |
| Loan loss allowance to noncurrent loans | 72.0399% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 1.2823% | 1,384 |
| Noncurrent loans to loans | 1.0991% | 1,893 |
| Net loans and leases to total assets | 85.2460% | 279 |
| Net loans and leases to deposits | 102.7413% | 484 |
| Net loans and leases to core deposits | 111.9470% | 786 |
| Total domestic deposits to total assets | 82.9715% | 3,779 |
| Equity capital to assets | 8.8135% | 5,000 |
| Core capital (leverage) ratio | 8.1375% | 5,540 |
| Tier 1 risk-based capital ratio | 8.9665% | 5,858 |
| Total risk-based capital ratio | 11.9070% | 5,423 |
| Memoranda: | ||
| Average total assets | $4,198,694,000 | 227 |
| Average earning assets | $3,822,198,200 | 226 |
| Average equity | $360,725,600 | 282 |
| Average total loans | $3,597,110,600 | 195 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 3,547 |
| Cost of funding earning assets | 0.5086% | 2,030 |
| Net interest margin | 3.4018% | 3,831 |
| Noninterest income to average assets | 2.9682% | 211 |
| Noninterest expense to average assets | 4.6614% | 334 |
| Loan and lease loss provision to assets | 0.1845% | 1,187 |
| Net operating income to assets | 0.7723% | 3,498 |
| Return on assets (ROA) | 0.7842% | 3,579 |
| Pretax return on assets | 1.2413% | 2,647 |
| Return on Equity (ROE) | 9.1902% | 2,402 |
| Retained earnings to average equity (ytd only) | 8.1365% | 1,117 |
| Net charge-offs to loans | 0.0695% | 2,322 |
| Credit loss provision to net charge-offs | 309.9245% | 1,007 |
| Earnings coverage of net charge-offs (x) | 23.6386% | 1,711 |
| Efficiency ratio | 76.3383% | 1,929 |
| Assets per employee ($millions) | 3.4457% | 4,846 |
| Cash dividends to net income (ytd only)* | 11.4655% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7859% | 5,228 |
| Loan loss allowance to noncurrent loans | 75.5686% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.2820% | 1,501 |
| Noncurrent loans to loans | 1.0400% | 2,160 |
| Net loans and leases to total assets | 85.5203% | 286 |
| Net loans and leases to deposits | 105.9267% | 376 |
| Net loans and leases to core deposits | 115.4383% | 676 |
| Total domestic deposits to total assets | 80.7353% | 4,313 |
| Equity capital to assets | 8.5111% | 5,523 |
| Core capital (leverage) ratio | 8.0473% | 5,662 |
| Tier 1 risk-based capital ratio | 8.8428% | 5,925 |
| Total risk-based capital ratio | 11.7926% | 5,525 |
| Memoranda: | ||
| Average total assets | $4,152,198,000 | 228 |
| Average earning assets | $3,784,449,750 | 225 |
| Average equity | $354,296,000 | 280 |
| Average total loans | $3,554,490,250 | 198 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8332% | 3,836 |
| Cost of funding earning assets | 0.5139% | 1,994 |
| Net interest margin | 3.3193% | 4,161 |
| Noninterest income to average assets | 2.6396% | 239 |
| Noninterest expense to average assets | 4.5841% | 359 |
| Loan and lease loss provision to assets | 0.1781% | 1,227 |
| Net operating income to assets | 0.5686% | 4,404 |
| Return on assets (ROA) | 0.5775% | 4,487 |
| Pretax return on assets | 0.9143% | 3,898 |
| Return on Equity (ROE) | 6.7615% | 3,661 |
| Retained earnings to average equity (ytd only) | 5.1516% | 2,630 |
| Net charge-offs to loans | 0.1049% | 1,778 |
| Credit loss provision to net charge-offs | 198.9035% | 1,314 |
| Earnings coverage of net charge-offs (x) | 12.0428% | 2,211 |
| Efficiency ratio | 80.4381% | 1,454 |
| Assets per employee ($millions) | 3.4023% | 4,922 |
| Cash dividends to net income (ytd only)* | 23.8095% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 5,353 |
| Loan loss allowance to noncurrent loans | 75.5959% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.3027% | 1,551 |
| Noncurrent loans to loans | 1.0162% | 2,256 |
| Net loans and leases to total assets | 84.6854% | 369 |
| Net loans and leases to deposits | 101.3081% | 609 |
| Net loans and leases to core deposits | 110.6099% | 898 |
| Total domestic deposits to total assets | 83.5920% | 3,428 |
| Equity capital to assets | 8.4499% | 5,624 |
| Core capital (leverage) ratio | 7.9752% | 5,741 |
| Tier 1 risk-based capital ratio | 8.8195% | 6,005 |
| Total risk-based capital ratio | 11.8295% | 5,553 |
| Memoranda: | ||
| Average total assets | $4,072,988,330 | 230 |
| Average earning assets | $3,709,561,330 | 228 |
| Average equity | $347,854,330 | 282 |
| Average total loans | $3,478,010,670 | 204 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8005% | 3,940 |
| Cost of funding earning assets | 0.5303% | 1,864 |
| Net interest margin | 3.2702% | 4,330 |
| Noninterest income to average assets | 2.4551% | 259 |
| Noninterest expense to average assets | 4.5981% | 364 |
| Loan and lease loss provision to assets | 0.0504% | 2,914 |
| Net operating income to assets | 0.4949% | 4,648 |
| Return on assets (ROA) | 0.5001% | 4,727 |
| Pretax return on assets | 0.7870% | 4,239 |
| Return on Equity (ROE) | 5.8224% | 4,070 |
| Retained earnings to average equity (ytd only) | 2.5389% | 4,234 |
| Net charge-offs to loans | -0.0164% | 4,769 |
| Credit loss provision to net charge-offs | -359.7122% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1837% | 1,138 |
| Assets per employee ($millions) | 3.2357% | 5,215 |
| Cash dividends to net income (ytd only)* | 56.3948% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 5,454 |
| Loan loss allowance to noncurrent loans | 64.1496% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.4926% | 1,367 |
| Noncurrent loans to loans | 1.1939% | 2,031 |
| Net loans and leases to total assets | 84.5331% | 324 |
| Net loans and leases to deposits | 100.9969% | 562 |
| Net loans and leases to core deposits | 110.5999% | 824 |
| Total domestic deposits to total assets | 83.6987% | 3,636 |
| Equity capital to assets | 8.6366% | 5,470 |
| Core capital (leverage) ratio | 8.3009% | 5,568 |
| Tier 1 risk-based capital ratio | 8.8408% | 6,061 |
| Total risk-based capital ratio | 11.8998% | 5,598 |
| Memoranda: | ||
| Average total assets | $3,971,156,000 | 235 |
| Average earning assets | $3,609,215,500 | 235 |
| Average equity | $341,094,000 | 285 |
| Average total loans | $3,392,147,500 | 204 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7794% | 4,104 |
| Cost of funding earning assets | 0.4872% | 2,292 |
| Net interest margin | 3.2922% | 4,321 |
| Noninterest income to average assets | 3.7389% | 170 |
| Noninterest expense to average assets | 4.7531% | 340 |
| Loan and lease loss provision to assets | 0.1280% | 1,885 |
| Net operating income to assets | 1.1713% | 1,665 |
| Return on assets (ROA) | 1.1652% | 1,758 |
| Pretax return on assets | 1.8364% | 745 |
| Return on Equity (ROE) | 12.7197% | 1,122 |
| Retained earnings to average equity (ytd only) | 12.0776% | 245 |
| Net charge-offs to loans | 0.1058% | 2,333 |
| Credit loss provision to net charge-offs | 141.7726% | 1,853 |
| Earnings coverage of net charge-offs (x) | 21.8713% | 1,795 |
| Efficiency ratio | 70.4199% | 3,157 |
| Assets per employee ($millions) | 3.0866% | 5,436 |
| Cash dividends to net income (ytd only)* | 5.0482% | 4,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8032% | 5,402 |
| Loan loss allowance to noncurrent loans | 70.5782% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 1,405 |
| Noncurrent loans to loans | 1.1380% | 2,065 |
| Net loans and leases to total assets | 84.9809% | 312 |
| Net loans and leases to deposits | 102.5966% | 509 |
| Net loans and leases to core deposits | 112.0175% | 771 |
| Total domestic deposits to total assets | 82.8301% | 3,893 |
| Equity capital to assets | 8.5389% | 5,532 |
| Core capital (leverage) ratio | 8.3466% | 5,573 |
| Tier 1 risk-based capital ratio | 8.9883% | 6,107 |
| Total risk-based capital ratio | 12.2261% | 5,438 |
| Memoranda: | ||
| Average total assets | $3,400,236,200 | 252 |
| Average earning assets | $3,086,303,200 | 253 |
| Average equity | $311,468,600 | 294 |
| Average total loans | $2,901,399,400 | 219 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7362% | 4,308 |
| Cost of funding earning assets | 0.4620% | 2,560 |
| Net interest margin | 3.2742% | 4,449 |
| Noninterest income to average assets | 4.0009% | 157 |
| Noninterest expense to average assets | 4.8199% | 331 |
| Loan and lease loss provision to assets | 0.0508% | 3,190 |
| Net operating income to assets | 1.3304% | 1,262 |
| Return on assets (ROA) | 1.3304% | 1,318 |
| Pretax return on assets | 2.1002% | 498 |
| Return on Equity (ROE) | 14.2411% | 855 |
| Retained earnings to average equity (ytd only) | 13.3731% | 251 |
| Net charge-offs to loans | 0.0847% | 2,337 |
| Credit loss provision to net charge-offs | 70.4099% | 2,760 |
| Earnings coverage of net charge-offs (x) | 29.7911% | 1,503 |
| Efficiency ratio | 68.9728% | 3,381 |
| Assets per employee ($millions) | 3.0249% | 5,519 |
| Cash dividends to net income (ytd only)* | 6.0946% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8301% | 5,438 |
| Loan loss allowance to noncurrent loans | 69.6555% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.4367% | 1,586 |
| Noncurrent loans to loans | 1.1918% | 2,142 |
| Net loans and leases to total assets | 84.5550% | 343 |
| Net loans and leases to deposits | 101.3157% | 592 |
| Net loans and leases to core deposits | 111.3767% | 797 |
| Total domestic deposits to total assets | 83.4570% | 3,625 |
| Equity capital to assets | 9.2173% | 5,097 |
| Core capital (leverage) ratio | 8.9346% | 5,075 |
| Tier 1 risk-based capital ratio | 9.6892% | 6,102 |
| Total risk-based capital ratio | 13.2040% | 5,028 |
| Memoranda: | ||
| Average total assets | $3,288,808,750 | 262 |
| Average earning assets | $2,983,292,750 | 263 |
| Average equity | $307,235,250 | 303 |
| Average total loans | $2,803,053,500 | 225 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 4,400 |
| Cost of funding earning assets | 0.4163% | 3,079 |
| Net interest margin | 3.2865% | 4,347 |
| Noninterest income to average assets | 4.2603% | 152 |
| Noninterest expense to average assets | 4.9176% | 306 |
| Loan and lease loss provision to assets | -0.0046% | 5,942 |
| Net operating income to assets | 1.4699% | 951 |
| Return on assets (ROA) | 1.4699% | 1,001 |
| Pretax return on assets | 2.3248% | 326 |
| Return on Equity (ROE) | 15.6593% | 648 |
| Retained earnings to average equity (ytd only) | 14.3357% | 221 |
| Net charge-offs to loans | 0.1071% | 1,926 |
| Credit loss provision to net charge-offs | -5.0374% | 4,675 |
| Earnings coverage of net charge-offs (x) | 25.4255% | 1,522 |
| Efficiency ratio | 67.7744% | 3,704 |
| Assets per employee ($millions) | 3.1117% | 5,450 |
| Cash dividends to net income (ytd only)* | 8.4524% | 3,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 5,572 |
| Loan loss allowance to noncurrent loans | 66.0864% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 1.5272% | 1,605 |
| Noncurrent loans to loans | 1.2285% | 2,198 |
| Net loans and leases to total assets | 84.8465% | 305 |
| Net loans and leases to deposits | 108.1706% | 299 |
| Net loans and leases to core deposits | 119.1227% | 487 |
| Total domestic deposits to total assets | 78.4376% | 5,198 |
| Equity capital to assets | 9.2736% | 4,931 |
| Core capital (leverage) ratio | 9.2468% | 4,626 |
| Tier 1 risk-based capital ratio | 9.8691% | 6,128 |
| Total risk-based capital ratio | 13.4975% | 4,875 |
| Memoranda: | ||
| Average total assets | $3,219,480,330 | 266 |
| Average earning assets | $2,916,873,330 | 268 |
| Average equity | $302,210,330 | 308 |
| Average total loans | $2,743,583,000 | 229 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,286 |
| Cost of funding earning assets | 0.3880% | 3,435 |
| Net interest margin | 3.3351% | 4,079 |
| Noninterest income to average assets | 4.1618% | 154 |
| Noninterest expense to average assets | 4.8803% | 322 |
| Loan and lease loss provision to assets | 0.0137% | 3,546 |
| Net operating income to assets | 1.4493% | 941 |
| Return on assets (ROA) | 1.4493% | 1,002 |
| Pretax return on assets | 2.2876% | 333 |
| Return on Equity (ROE) | 15.3407% | 660 |
| Retained earnings to average equity (ytd only) | 15.3407% | 257 |
| Net charge-offs to loans | 0.2437% | 979 |
| Credit loss provision to net charge-offs | 6.6339% | 2,452 |
| Earnings coverage of net charge-offs (x) | 11.1063% | 1,888 |
| Efficiency ratio | 67.7797% | 3,862 |
| Assets per employee ($millions) | 3.0210% | 5,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 5,518 |
| Loan loss allowance to noncurrent loans | 63.4630% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 1.7933% | 1,371 |
| Noncurrent loans to loans | 1.3748% | 2,089 |
| Net loans and leases to total assets | 84.2959% | 290 |
| Net loans and leases to deposits | 101.5476% | 482 |
| Net loans and leases to core deposits | 111.3493% | 690 |
| Total domestic deposits to total assets | 83.0112% | 4,175 |
| Equity capital to assets | 9.4577% | 4,796 |
| Core capital (leverage) ratio | 9.3582% | 4,488 |
| Tier 1 risk-based capital ratio | 10.1115% | 6,136 |
| Total risk-based capital ratio | 11.3156% | 6,107 |
| Memoranda: | ||
| Average total assets | $3,142,653,500 | 272 |
| Average earning assets | $2,845,570,500 | 274 |
| Average equity | $296,909,500 | 310 |
| Average total loans | $2,672,669,500 | 230 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0847% | 3,385 |
| Cost of funding earning assets | 0.4216% | 3,459 |
| Net interest margin | 3.6631% | 3,160 |
| Noninterest income to average assets | 3.4276% | 165 |
| Noninterest expense to average assets | 5.0510% | 295 |
| Loan and lease loss provision to assets | 0.0193% | 4,232 |
| Net operating income to assets | 1.0761% | 2,067 |
| Return on assets (ROA) | 1.0761% | 2,120 |
| Pretax return on assets | 1.6636% | 1,064 |
| Return on Equity (ROE) | 10.8024% | 1,788 |
| Retained earnings to average equity (ytd only) | 10.8024% | 399 |
| Net charge-offs to loans | 0.2931% | 1,495 |
| Credit loss provision to net charge-offs | 7.9183% | 4,128 |
| Earnings coverage of net charge-offs (x) | 6.9201% | 3,120 |
| Efficiency ratio | 74.8524% | 2,683 |
| Assets per employee ($millions) | 2.9702% | 5,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 5,197 |
| Loan loss allowance to noncurrent loans | 62.8752% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 2.0447% | 1,233 |
| Noncurrent loans to loans | 1.5436% | 1,899 |
| Net loans and leases to total assets | 84.2270% | 328 |
| Net loans and leases to deposits | 105.3238% | 383 |
| Net loans and leases to core deposits | 115.6044% | 541 |
| Total domestic deposits to total assets | 79.9695% | 5,026 |
| Equity capital to assets | 9.4374% | 4,795 |
| Core capital (leverage) ratio | 9.7565% | 3,892 |
| Tier 1 risk-based capital ratio | 10.3774% | 6,153 |
| Total risk-based capital ratio | 11.6866% | 6,071 |
| Memoranda: | ||
| Average total assets | $2,757,608,800 | 281 |
| Average earning assets | $2,488,962,800 | 281 |
| Average equity | $274,707,400 | 310 |
| Average total loans | $2,287,572,400 | 246 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 3,176 |
| Cost of funding earning assets | 0.4236% | 3,537 |
| Net interest margin | 3.7251% | 2,926 |
| Noninterest income to average assets | 3.4940% | 165 |
| Noninterest expense to average assets | 5.1088% | 286 |
| Loan and lease loss provision to assets | -0.0012% | 6,056 |
| Net operating income to assets | 1.1250% | 1,948 |
| Return on assets (ROA) | 1.1250% | 2,012 |
| Pretax return on assets | 1.7429% | 993 |
| Return on Equity (ROE) | 11.1248% | 1,742 |
| Retained earnings to average equity (ytd only) | 11.1248% | 497 |
| Net charge-offs to loans | 0.2398% | 1,608 |
| Credit loss provision to net charge-offs | -0.6308% | 5,202 |
| Earnings coverage of net charge-offs (x) | 8.8213% | 2,743 |
| Efficiency ratio | 74.4606% | 2,747 |
| Assets per employee ($millions) | 2.8257% | 5,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 4,342 |
| Loan loss allowance to noncurrent loans | 66.2911% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.4369% | 1,099 |
| Noncurrent loans to loans | 1.7799% | 1,822 |
| Net loans and leases to total assets | 82.8760% | 420 |
| Net loans and leases to deposits | 96.0376% | 878 |
| Net loans and leases to core deposits | 102.5755% | 1,181 |
| Total domestic deposits to total assets | 86.2953% | 2,702 |
| Equity capital to assets | 9.9054% | 4,294 |
| Core capital (leverage) ratio | 9.9355% | 3,763 |
| Tier 1 risk-based capital ratio | 11.0436% | 5,973 |
| Total risk-based capital ratio | 12.5873% | 5,797 |
| Memoranda: | ||
| Average total assets | $2,676,239,250 | 281 |
| Average earning assets | $2,411,432,500 | 287 |
| Average equity | $270,643,500 | 312 |
| Average total loans | $2,203,905,250 | 249 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 3,009 |
| Cost of funding earning assets | 0.4361% | 3,481 |
| Net interest margin | 3.7483% | 2,765 |
| Noninterest income to average assets | 3.2470% | 176 |
| Noninterest expense to average assets | 5.0972% | 293 |
| Loan and lease loss provision to assets | -0.1441% | 6,420 |
| Net operating income to assets | 1.0653% | 2,056 |
| Return on assets (ROA) | 1.0653% | 2,134 |
| Pretax return on assets | 1.6606% | 1,115 |
| Return on Equity (ROE) | 10.4557% | 1,955 |
| Retained earnings to average equity (ytd only) | 10.4557% | 622 |
| Net charge-offs to loans | 0.1795% | 1,959 |
| Credit loss provision to net charge-offs | -98.1250% | 5,249 |
| Earnings coverage of net charge-offs (x) | 10.3276% | 2,261 |
| Efficiency ratio | 76.9800% | 2,455 |
| Assets per employee ($millions) | 2.8239% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 4,143 |
| Loan loss allowance to noncurrent loans | 60.5284% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 2.7326% | 960 |
| Noncurrent loans to loans | 2.0693% | 1,619 |
| Net loans and leases to total assets | 83.3875% | 348 |
| Net loans and leases to deposits | 101.9583% | 452 |
| Net loans and leases to core deposits | 109.2983% | 719 |
| Total domestic deposits to total assets | 81.7859% | 4,721 |
| Equity capital to assets | 10.0558% | 4,028 |
| Core capital (leverage) ratio | 10.3696% | 3,116 |
| Tier 1 risk-based capital ratio | 11.2513% | 5,936 |
| Total risk-based capital ratio | 12.8922% | 5,670 |
| Memoranda: | ||
| Average total assets | $2,615,108,330 | 283 |
| Average earning assets | $2,348,856,000 | 289 |
| Average equity | $266,439,000 | 313 |
| Average total loans | $2,139,125,330 | 249 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 3,537 |
| Cost of funding earning assets | 0.4593% | 3,317 |
| Net interest margin | 3.5767% | 3,356 |
| Noninterest income to average assets | 3.0252% | 182 |
| Noninterest expense to average assets | 5.1304% | 294 |
| Loan and lease loss provision to assets | -0.3834% | 6,642 |
| Net operating income to assets | 0.9490% | 2,411 |
| Return on assets (ROA) | 0.9490% | 2,482 |
| Pretax return on assets | 1.4797% | 1,490 |
| Return on Equity (ROE) | 9.2503% | 2,351 |
| Retained earnings to average equity (ytd only) | 9.2503% | 1,175 |
| Net charge-offs to loans | -0.0204% | 5,372 |
| Credit loss provision to net charge-offs | 2,333.3333% | 147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2957% | 1,889 |
| Assets per employee ($millions) | 2.7486% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 3,068 |
| Loan loss allowance to noncurrent loans | 55.7291% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 3.1271% | 884 |
| Noncurrent loans to loans | 2.7241% | 1,236 |
| Net loans and leases to total assets | 78.3265% | 731 |
| Net loans and leases to deposits | 90.3383% | 1,109 |
| Net loans and leases to core deposits | 97.1703% | 1,303 |
| Total domestic deposits to total assets | 86.7035% | 2,994 |
| Equity capital to assets | 10.4151% | 3,341 |
| Core capital (leverage) ratio | 10.3596% | 3,105 |
| Tier 1 risk-based capital ratio | 12.1938% | 5,510 |
| Total risk-based capital ratio | 13.9122% | 5,148 |
| Memoranda: | ||
| Average total assets | $2,555,899,500 | 294 |
| Average earning assets | $2,287,795,000 | 292 |
| Average equity | $262,219,500 | 314 |
| Average total loans | $2,054,522,500 | 255 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2517% | 3,146 |
| Cost of funding earning assets | 0.5098% | 3,500 |
| Net interest margin | 3.7420% | 2,892 |
| Noninterest income to average assets | 3.7608% | 175 |
| Noninterest expense to average assets | 5.1660% | 310 |
| Loan and lease loss provision to assets | 0.2125% | 1,733 |
| Net operating income to assets | 1.1207% | 1,868 |
| Return on assets (ROA) | 1.1254% | 1,915 |
| Pretax return on assets | 1.7432% | 865 |
| Return on Equity (ROE) | 11.6934% | 1,524 |
| Retained earnings to average equity (ytd only) | 11.6934% | 349 |
| Net charge-offs to loans | 0.3258% | 2,050 |
| Credit loss provision to net charge-offs | 79.6369% | 3,055 |
| Earnings coverage of net charge-offs (x) | 7.3029% | 2,872 |
| Efficiency ratio | 72.5277% | 3,380 |
| Assets per employee ($millions) | 2.8777% | 6,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 2,683 |
| Loan loss allowance to noncurrent loans | 60.1693% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 3.3937% | 884 |
| Noncurrent loans to loans | 2.6909% | 1,362 |
| Net loans and leases to total assets | 79.9145% | 604 |
| Net loans and leases to deposits | 92.4327% | 1,010 |
| Net loans and leases to core deposits | 100.0895% | 1,153 |
| Total domestic deposits to total assets | 86.4570% | 3,017 |
| Equity capital to assets | 10.1043% | 3,632 |
| Core capital (leverage) ratio | 10.1377% | 3,380 |
| Tier 1 risk-based capital ratio | 11.6814% | 5,812 |
| Total risk-based capital ratio | 13.3923% | 5,468 |
| Memoranda: | ||
| Average total assets | $2,560,578,800 | 289 |
| Average earning assets | $2,294,679,200 | 287 |
| Average equity | $246,446,200 | 322 |
| Average total loans | $2,096,832,800 | 247 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2873% | 3,051 |
| Cost of funding earning assets | 0.5206% | 3,561 |
| Net interest margin | 3.7667% | 2,776 |
| Noninterest income to average assets | 4.1086% | 170 |
| Noninterest expense to average assets | 5.1749% | 304 |
| Loan and lease loss provision to assets | 0.2691% | 1,310 |
| Net operating income to assets | 1.3068% | 1,339 |
| Return on assets (ROA) | 1.3068% | 1,390 |
| Pretax return on assets | 2.0403% | 528 |
| Return on Equity (ROE) | 13.7493% | 1,056 |
| Retained earnings to average equity (ytd only) | 13.7493% | 273 |
| Net charge-offs to loans | 0.4170% | 1,538 |
| Credit loss provision to net charge-offs | 78.6486% | 2,882 |
| Earnings coverage of net charge-offs (x) | 6.7492% | 2,912 |
| Efficiency ratio | 69.1436% | 3,895 |
| Assets per employee ($millions) | 2.9644% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 2,827 |
| Loan loss allowance to noncurrent loans | 62.7547% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 3.4346% | 994 |
| Noncurrent loans to loans | 2.6185% | 1,621 |
| Net loans and leases to total assets | 78.5727% | 694 |
| Net loans and leases to deposits | 92.4059% | 953 |
| Net loans and leases to core deposits | 101.2359% | 1,043 |
| Total domestic deposits to total assets | 85.0299% | 3,736 |
| Equity capital to assets | 9.9770% | 3,930 |
| Core capital (leverage) ratio | 9.6795% | 4,130 |
| Tier 1 risk-based capital ratio | 11.9126% | 5,828 |
| Total risk-based capital ratio | 13.6404% | 5,461 |
| Memoranda: | ||
| Average total assets | $2,560,439,750 | 290 |
| Average earning assets | $2,294,646,500 | 288 |
| Average equity | $243,361,250 | 325 |
| Average total loans | $2,100,940,250 | 242 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2381% | 3,192 |
| Cost of funding earning assets | 0.5335% | 3,568 |
| Net interest margin | 3.7047% | 2,940 |
| Noninterest income to average assets | 4.1724% | 181 |
| Noninterest expense to average assets | 5.1803% | 315 |
| Loan and lease loss provision to assets | 0.3163% | 1,119 |
| Net operating income to assets | 1.2791% | 1,377 |
| Return on assets (ROA) | 1.2792% | 1,468 |
| Pretax return on assets | 2.0006% | 606 |
| Return on Equity (ROE) | 13.6854% | 1,073 |
| Retained earnings to average equity (ytd only) | 13.6854% | 324 |
| Net charge-offs to loans | 0.5074% | 1,296 |
| Credit loss provision to net charge-offs | 75.3070% | 2,715 |
| Earnings coverage of net charge-offs (x) | 5.5164% | 2,882 |
| Efficiency ratio | 69.0979% | 3,991 |
| Assets per employee ($millions) | 3.1707% | 5,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 3,303 |
| Loan loss allowance to noncurrent loans | 53.7112% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 3.8474% | 933 |
| Noncurrent loans to loans | 2.9102% | 1,540 |
| Net loans and leases to total assets | 78.4793% | 701 |
| Net loans and leases to deposits | 93.7752% | 822 |
| Net loans and leases to core deposits | 103.0091% | 884 |
| Total domestic deposits to total assets | 83.6888% | 4,457 |
| Equity capital to assets | 9.2288% | 4,955 |
| Core capital (leverage) ratio | 9.4101% | 4,377 |
| Tier 1 risk-based capital ratio | 11.3314% | 6,184 |
| Total risk-based capital ratio | 13.0522% | 5,864 |
| Memoranda: | ||
| Average total assets | $2,559,176,670 | 293 |
| Average earning assets | $2,296,717,330 | 291 |
| Average equity | $239,204,000 | 326 |
| Average total loans | $2,118,439,000 | 238 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4216% | 2,447 |
| Cost of funding earning assets | 0.5573% | 3,499 |
| Net interest margin | 3.8643% | 2,232 |
| Noninterest income to average assets | 4.0091% | 184 |
| Noninterest expense to average assets | 5.2385% | 314 |
| Loan and lease loss provision to assets | 0.5556% | 475 |
| Net operating income to assets | 1.0776% | 1,941 |
| Return on assets (ROA) | 1.0776% | 2,046 |
| Pretax return on assets | 1.6906% | 1,100 |
| Return on Equity (ROE) | 11.4513% | 1,572 |
| Retained earnings to average equity (ytd only) | 11.4513% | 788 |
| Net charge-offs to loans | 0.6916% | 888 |
| Credit loss provision to net charge-offs | 95.1807% | 1,940 |
| Earnings coverage of net charge-offs (x) | 3.8478% | 2,660 |
| Efficiency ratio | 69.9891% | 3,975 |
| Assets per employee ($millions) | 3.1392% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 3,474 |
| Loan loss allowance to noncurrent loans | 46.8338% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 4.3981% | 854 |
| Noncurrent loans to loans | 3.3784% | 1,429 |
| Net loans and leases to total assets | 83.3656% | 217 |
| Net loans and leases to deposits | 101.7097% | 289 |
| Net loans and leases to core deposits | 109.5244% | 508 |
| Total domestic deposits to total assets | 81.9642% | 5,202 |
| Equity capital to assets | 9.4388% | 4,942 |
| Core capital (leverage) ratio | 9.4339% | 4,193 |
| Tier 1 risk-based capital ratio | 10.9612% | 6,424 |
| Total risk-based capital ratio | 12.6863% | 6,191 |
| Memoranda: | ||
| Average total assets | $2,502,310,000 | 301 |
| Average earning assets | $2,250,658,000 | 299 |
| Average equity | $235,467,000 | 335 |
| Average total loans | $2,112,164,000 | 243 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 3,016 |
| Cost of funding earning assets | 0.6293% | 4,106 |
| Net interest margin | 3.9673% | 2,541 |
| Noninterest income to average assets | 3.7190% | 197 |
| Noninterest expense to average assets | 4.9064% | 404 |
| Loan and lease loss provision to assets | 0.5701% | 987 |
| Net operating income to assets | 1.1457% | 1,785 |
| Return on assets (ROA) | 1.1540% | 1,921 |
| Pretax return on assets | 1.8112% | 898 |
| Return on Equity (ROE) | 12.4313% | 1,378 |
| Retained earnings to average equity (ytd only) | 12.4313% | 293 |
| Net charge-offs to loans | 0.5365% | 2,123 |
| Credit loss provision to net charge-offs | 129.7621% | 2,162 |
| Earnings coverage of net charge-offs (x) | 5.3903% | 3,053 |
| Efficiency ratio | 67.4444% | 4,242 |
| Assets per employee ($millions) | 3.1970% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 3,173 |
| Loan loss allowance to noncurrent loans | 47.1900% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 4.5138% | 915 |
| Noncurrent loans to loans | 3.4602% | 1,448 |
| Net loans and leases to total assets | 82.7313% | 284 |
| Net loans and leases to deposits | 98.2141% | 496 |
| Net loans and leases to core deposits | 106.0405% | 694 |
| Total domestic deposits to total assets | 84.2357% | 4,212 |
| Equity capital to assets | 9.3805% | 5,025 |
| Core capital (leverage) ratio | 9.2155% | 4,553 |
| Tier 1 risk-based capital ratio | 10.9154% | 6,379 |
| Total risk-based capital ratio | 12.6534% | 6,130 |
| Memoranda: | ||
| Average total assets | $2,353,800,600 | 310 |
| Average earning assets | $2,109,592,000 | 308 |
| Average equity | $218,505,400 | 342 |
| Average total loans | $1,927,587,000 | 256 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 2,959 |
| Cost of funding earning assets | 0.6415% | 4,271 |
| Net interest margin | 4.0199% | 2,414 |
| Noninterest income to average assets | 3.5238% | 202 |
| Noninterest expense to average assets | 4.7485% | 443 |
| Loan and lease loss provision to assets | 0.4692% | 1,320 |
| Net operating income to assets | 1.2157% | 1,682 |
| Return on assets (ROA) | 1.2270% | 1,818 |
| Pretax return on assets | 1.9268% | 819 |
| Return on Equity (ROE) | 13.2547% | 1,280 |
| Retained earnings to average equity (ytd only) | 13.2547% | 372 |
| Net charge-offs to loans | 0.4709% | 2,213 |
| Credit loss provision to net charge-offs | 122.5570% | 2,359 |
| Earnings coverage of net charge-offs (x) | 6.2124% | 2,833 |
| Efficiency ratio | 66.6283% | 4,324 |
| Assets per employee ($millions) | 3.2392% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5700% | 3,647 |
| Loan loss allowance to noncurrent loans | 40.2326% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 5.0527% | 881 |
| Noncurrent loans to loans | 3.9023% | 1,327 |
| Net loans and leases to total assets | 80.9062% | 441 |
| Net loans and leases to deposits | 97.7173% | 562 |
| Net loans and leases to core deposits | 105.2068% | 791 |
| Total domestic deposits to total assets | 82.7962% | 4,724 |
| Equity capital to assets | 9.3062% | 5,458 |
| Core capital (leverage) ratio | 9.0195% | 5,035 |
| Tier 1 risk-based capital ratio | 10.8749% | 6,532 |
| Total risk-based capital ratio | 12.6229% | 6,271 |
| Memoranda: | ||
| Average total assets | $2,323,639,000 | 310 |
| Average earning assets | $2,082,668,750 | 309 |
| Average equity | $215,103,000 | 345 |
| Average total loans | $1,889,202,500 | 256 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 3,072 |
| Cost of funding earning assets | 0.6560% | 4,390 |
| Net interest margin | 4.0089% | 2,464 |
| Noninterest income to average assets | 3.0094% | 241 |
| Noninterest expense to average assets | 4.5052% | 550 |
| Loan and lease loss provision to assets | 0.4114% | 1,597 |
| Net operating income to assets | 1.0966% | 2,058 |
| Return on assets (ROA) | 1.1135% | 2,215 |
| Pretax return on assets | 1.7296% | 1,184 |
| Return on Equity (ROE) | 12.0516% | 1,651 |
| Retained earnings to average equity (ytd only) | 12.0516% | 573 |
| Net charge-offs to loans | 0.5891% | 1,843 |
| Credit loss provision to net charge-offs | 86.2227% | 3,154 |
| Earnings coverage of net charge-offs (x) | 4.4322% | 3,087 |
| Efficiency ratio | 68.0571% | 4,113 |
| Assets per employee ($millions) | 3.4362% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 4,510 |
| Loan loss allowance to noncurrent loans | 35.0250% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 4.9792% | 961 |
| Noncurrent loans to loans | 3.9618% | 1,400 |
| Net loans and leases to total assets | 80.1469% | 490 |
| Net loans and leases to deposits | 96.4713% | 599 |
| Net loans and leases to core deposits | 101.2638% | 1,023 |
| Total domestic deposits to total assets | 83.0784% | 4,727 |
| Equity capital to assets | 9.0353% | 5,661 |
| Core capital (leverage) ratio | 9.3459% | 4,380 |
| Tier 1 risk-based capital ratio | 10.7086% | 6,613 |
| Total risk-based capital ratio | 12.4665% | 6,373 |
| Memoranda: | ||
| Average total assets | $2,285,158,330 | 314 |
| Average earning assets | $2,057,942,330 | 308 |
| Average equity | $211,142,330 | 350 |
| Average total loans | $1,850,655,330 | 258 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 2,736 |
| Cost of funding earning assets | 0.7112% | 4,190 |
| Net interest margin | 4.0646% | 2,233 |
| Noninterest income to average assets | 3.1399% | 227 |
| Noninterest expense to average assets | 4.5788% | 518 |
| Loan and lease loss provision to assets | 0.6752% | 789 |
| Net operating income to assets | 1.0125% | 2,430 |
| Return on assets (ROA) | 1.0473% | 2,486 |
| Pretax return on assets | 1.6253% | 1,489 |
| Return on Equity (ROE) | 11.2007% | 1,941 |
| Retained earnings to average equity (ytd only) | 11.2007% | 985 |
| Net charge-offs to loans | 0.5400% | 1,735 |
| Credit loss provision to net charge-offs | 154.7030% | 1,628 |
| Earnings coverage of net charge-offs (x) | 5.1465% | 2,431 |
| Efficiency ratio | 67.0896% | 4,339 |
| Assets per employee ($millions) | 3.3711% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 3,729 |
| Loan loss allowance to noncurrent loans | 37.8810% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 4.6458% | 1,141 |
| Noncurrent loans to loans | 4.2155% | 1,433 |
| Net loans and leases to total assets | 81.5944% | 295 |
| Net loans and leases to deposits | 95.7240% | 555 |
| Net loans and leases to core deposits | 101.1457% | 915 |
| Total domestic deposits to total assets | 85.2392% | 3,915 |
| Equity capital to assets | 9.5159% | 4,781 |
| Core capital (leverage) ratio | 9.2526% | 4,443 |
| Tier 1 risk-based capital ratio | 10.9668% | 6,555 |
| Total risk-based capital ratio | 12.7562% | 6,259 |
| Memoranda: | ||
| Average total assets | $2,221,618,500 | 320 |
| Average earning assets | $2,014,169,000 | 309 |
| Average equity | $207,737,500 | 352 |
| Average total loans | $1,795,714,000 | 261 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9048% | 3,326 |
| Cost of funding earning assets | 0.9907% | 3,445 |
| Net interest margin | 3.9140% | 3,272 |
| Noninterest income to average assets | 2.4776% | 274 |
| Noninterest expense to average assets | 4.1549% | 855 |
| Loan and lease loss provision to assets | 0.9851% | 965 |
| Net operating income to assets | 0.6279% | 3,842 |
| Return on assets (ROA) | 0.6634% | 3,859 |
| Pretax return on assets | 0.9828% | 3,308 |
| Return on Equity (ROE) | 6.9892% | 3,411 |
| Retained earnings to average equity (ytd only) | 6.9892% | 1,511 |
| Net charge-offs to loans | 1.2624% | 1,316 |
| Credit loss provision to net charge-offs | 99.3839% | 3,596 |
| Earnings coverage of net charge-offs (x) | 1.9327% | 4,321 |
| Efficiency ratio | 68.4439% | 4,265 |
| Assets per employee ($millions) | 3.5651% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5905% | 3,626 |
| Loan loss allowance to noncurrent loans | 39.1617% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 4.5499% | 1,202 |
| Noncurrent loans to loans | 4.0613% | 1,536 |
| Net loans and leases to total assets | 77.5061% | 772 |
| Net loans and leases to deposits | 91.5287% | 1,007 |
| Net loans and leases to core deposits | 97.3992% | 1,382 |
| Total domestic deposits to total assets | 84.6795% | 4,006 |
| Equity capital to assets | 9.1870% | 5,313 |
| Core capital (leverage) ratio | 9.0776% | 4,653 |
| Tier 1 risk-based capital ratio | 10.9298% | 6,488 |
| Total risk-based capital ratio | 12.7326% | 6,159 |
| Memoranda: | ||
| Average total assets | $2,063,283,800 | 336 |
| Average earning assets | $1,894,053,600 | 328 |
| Average equity | $195,845,200 | 360 |
| Average total loans | $1,619,968,200 | 280 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9296% | 3,428 |
| Cost of funding earning assets | 1.0491% | 3,325 |
| Net interest margin | 3.8805% | 3,480 |
| Noninterest income to average assets | 2.3272% | 297 |
| Noninterest expense to average assets | 4.0863% | 911 |
| Loan and lease loss provision to assets | 0.9912% | 873 |
| Net operating income to assets | 0.5658% | 4,242 |
| Return on assets (ROA) | 0.6149% | 4,202 |
| Pretax return on assets | 0.8967% | 3,776 |
| Return on Equity (ROE) | 6.4210% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.4210% | 2,277 |
| Net charge-offs to loans | 1.1542% | 1,366 |
| Credit loss provision to net charge-offs | 109.4638% | 3,018 |
| Earnings coverage of net charge-offs (x) | 2.0064% | 4,143 |
| Efficiency ratio | 69.2239% | 4,089 |
| Assets per employee ($millions) | 3.5945% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 2,918 |
| Loan loss allowance to noncurrent loans | 47.8471% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 4.0781% | 1,500 |
| Noncurrent loans to loans | 3.7780% | 1,793 |
| Net loans and leases to total assets | 75.7695% | 1,009 |
| Net loans and leases to deposits | 89.4653% | 1,272 |
| Net loans and leases to core deposits | 96.9139% | 1,517 |
| Total domestic deposits to total assets | 84.6915% | 3,921 |
| Equity capital to assets | 9.4918% | 5,104 |
| Core capital (leverage) ratio | 9.3808% | 4,334 |
| Tier 1 risk-based capital ratio | 11.3940% | 6,300 |
| Total risk-based capital ratio | 13.2323% | 5,894 |
| Memoranda: | ||
| Average total assets | $2,021,160,000 | 343 |
| Average earning assets | $1,862,482,250 | 333 |
| Average equity | $193,548,000 | 369 |
| Average total loans | $1,585,530,250 | 285 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0171% | 3,074 |
| Cost of funding earning assets | 1.1169% | 3,111 |
| Net interest margin | 3.9002% | 3,304 |
| Noninterest income to average assets | 2.5201% | 269 |
| Noninterest expense to average assets | 4.1585% | 862 |
| Loan and lease loss provision to assets | 1.0664% | 785 |
| Net operating income to assets | 0.5954% | 4,087 |
| Return on assets (ROA) | 0.6679% | 3,822 |
| Pretax return on assets | 1.0006% | 3,240 |
| Return on Equity (ROE) | 6.9533% | 3,467 |
| Retained earnings to average equity (ytd only) | 6.9533% | 1,901 |
| Net charge-offs to loans | 1.1329% | 1,380 |
| Credit loss provision to net charge-offs | 119.3016% | 2,569 |
| Earnings coverage of net charge-offs (x) | 2.1914% | 3,743 |
| Efficiency ratio | 67.9792% | 4,519 |
| Assets per employee ($millions) | 3.4648% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9140% | 2,626 |
| Loan loss allowance to noncurrent loans | 42.7843% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 4.4434% | 1,424 |
| Noncurrent loans to loans | 4.4736% | 1,488 |
| Net loans and leases to total assets | 74.8337% | 1,259 |
| Net loans and leases to deposits | 88.6262% | 1,411 |
| Net loans and leases to core deposits | 96.8867% | 1,598 |
| Total domestic deposits to total assets | 84.4375% | 4,151 |
| Equity capital to assets | 9.5896% | 4,672 |
| Core capital (leverage) ratio | 9.6351% | 3,753 |
| Tier 1 risk-based capital ratio | 11.7491% | 5,974 |
| Total risk-based capital ratio | 13.6146% | 5,442 |
| Memoranda: | ||
| Average total assets | $1,992,759,330 | 352 |
| Average earning assets | $1,837,915,000 | 344 |
| Average equity | $191,420,330 | 373 |
| Average total loans | $1,572,253,000 | 294 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1145% | 2,584 |
| Cost of funding earning assets | 1.1543% | 3,132 |
| Net interest margin | 3.9602% | 2,869 |
| Noninterest income to average assets | 2.4153% | 279 |
| Noninterest expense to average assets | 4.1667% | 848 |
| Loan and lease loss provision to assets | 1.1733% | 602 |
| Net operating income to assets | 0.4970% | 4,500 |
| Return on assets (ROA) | 0.4970% | 4,584 |
| Pretax return on assets | 0.7298% | 4,190 |
| Return on Equity (ROE) | 5.1691% | 4,308 |
| Retained earnings to average equity (ytd only) | 5.1691% | 3,077 |
| Net charge-offs to loans | 1.0540% | 1,297 |
| Credit loss provision to net charge-offs | 138.7221% | 2,016 |
| Earnings coverage of net charge-offs (x) | 2.2501% | 3,190 |
| Efficiency ratio | 68.6460% | 4,528 |
| Assets per employee ($millions) | 3.5245% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 2,623 |
| Loan loss allowance to noncurrent loans | 40.9488% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 4.5566% | 1,415 |
| Noncurrent loans to loans | 4.6890% | 1,483 |
| Net loans and leases to total assets | 76.0352% | 1,027 |
| Net loans and leases to deposits | 90.3529% | 1,190 |
| Net loans and leases to core deposits | 98.7610% | 1,448 |
| Total domestic deposits to total assets | 84.1536% | 4,426 |
| Equity capital to assets | 9.5436% | 4,376 |
| Core capital (leverage) ratio | 9.6492% | 3,593 |
| Tier 1 risk-based capital ratio | 11.6678% | 5,966 |
| Total risk-based capital ratio | 13.5429% | 5,438 |
| Memoranda: | ||
| Average total assets | $1,968,750,000 | 355 |
| Average earning assets | $1,816,787,500 | 350 |
| Average equity | $189,279,000 | 376 |
| Average total loans | $1,579,884,000 | 293 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4510% | 2,473 |
| Cost of funding earning assets | 1.5221% | 2,516 |
| Net interest margin | 3.9289% | 3,351 |
| Noninterest income to average assets | 2.1838% | 340 |
| Noninterest expense to average assets | 4.0277% | 1,125 |
| Loan and lease loss provision to assets | 0.9085% | 1,799 |
| Net operating income to assets | 0.5914% | 3,712 |
| Return on assets (ROA) | 0.6740% | 3,468 |
| Pretax return on assets | 0.9901% | 2,962 |
| Return on Equity (ROE) | 7.0049% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.0049% | 1,320 |
| Net charge-offs to loans | 1.2797% | 1,753 |
| Credit loss provision to net charge-offs | 89.5893% | 5,147 |
| Earnings coverage of net charge-offs (x) | 1.7523% | 4,403 |
| Efficiency ratio | 69.3863% | 4,300 |
| Assets per employee ($millions) | 3.4752% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7407% | 3,072 |
| Loan loss allowance to noncurrent loans | 36.6869% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 4.9968% | 1,280 |
| Noncurrent loans to loans | 4.7447% | 1,461 |
| Net loans and leases to total assets | 81.6001% | 485 |
| Net loans and leases to deposits | 98.1284% | 706 |
| Net loans and leases to core deposits | 107.9226% | 1,052 |
| Total domestic deposits to total assets | 83.1565% | 4,729 |
| Equity capital to assets | 9.6866% | 4,157 |
| Core capital (leverage) ratio | 9.4923% | 3,713 |
| Tier 1 risk-based capital ratio | 11.0204% | 6,310 |
| Total risk-based capital ratio | 12.8860% | 5,787 |
| Memoranda: | ||
| Average total assets | $1,884,908,200 | 371 |
| Average earning assets | $1,737,191,600 | 356 |
| Average equity | $181,372,000 | 386 |
| Average total loans | $1,493,670,800 | 316 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4863% | 2,488 |
| Cost of funding earning assets | 1.6280% | 2,231 |
| Net interest margin | 3.8583% | 3,722 |
| Noninterest income to average assets | 1.9556% | 389 |
| Noninterest expense to average assets | 3.9820% | 1,064 |
| Loan and lease loss provision to assets | 0.7235% | 2,114 |
| Net operating income to assets | 0.5345% | 4,167 |
| Return on assets (ROA) | 0.6422% | 3,860 |
| Pretax return on assets | 0.9700% | 3,293 |
| Return on Equity (ROE) | 6.6861% | 3,490 |
| Retained earnings to average equity (ytd only) | 6.6861% | 1,992 |
| Net charge-offs to loans | 1.0866% | 1,872 |
| Credit loss provision to net charge-offs | 85.0868% | 4,960 |
| Earnings coverage of net charge-offs (x) | 1.7996% | 4,365 |
| Efficiency ratio | 72.2398% | 3,651 |
| Assets per employee ($millions) | 3.4273% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8351% | 2,677 |
| Loan loss allowance to noncurrent loans | 46.6150% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 4.3712% | 1,553 |
| Noncurrent loans to loans | 3.9368% | 1,923 |
| Net loans and leases to total assets | 80.7294% | 644 |
| Net loans and leases to deposits | 96.8928% | 893 |
| Net loans and leases to core deposits | 106.8060% | 1,250 |
| Total domestic deposits to total assets | 83.3182% | 4,452 |
| Equity capital to assets | 9.8934% | 4,299 |
| Core capital (leverage) ratio | 9.7509% | 3,553 |
| Tier 1 risk-based capital ratio | 11.5761% | 5,855 |
| Total risk-based capital ratio | 13.4668% | 5,224 |
| Memoranda: | ||
| Average total assets | $1,870,478,000 | 370 |
| Average earning assets | $1,724,210,750 | 359 |
| Average equity | $179,671,250 | 385 |
| Average total loans | $1,463,771,000 | 323 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5030% | 2,500 |
| Cost of funding earning assets | 1.7198% | 2,018 |
| Net interest margin | 3.7832% | 3,972 |
| Noninterest income to average assets | 1.6827% | 458 |
| Noninterest expense to average assets | 3.8355% | 1,293 |
| Loan and lease loss provision to assets | 0.5484% | 2,588 |
| Net operating income to assets | 0.5137% | 4,266 |
| Return on assets (ROA) | 0.6755% | 3,655 |
| Pretax return on assets | 1.0308% | 3,004 |
| Return on Equity (ROE) | 7.1038% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.1038% | 1,789 |
| Net charge-offs to loans | 1.1259% | 1,680 |
| Credit loss provision to net charge-offs | 63.3185% | 5,131 |
| Earnings coverage of net charge-offs (x) | 1.5403% | 4,337 |
| Efficiency ratio | 74.1943% | 3,439 |
| Assets per employee ($millions) | 3.4959% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8157% | 2,677 |
| Loan loss allowance to noncurrent loans | 46.2603% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 4.2967% | 1,552 |
| Noncurrent loans to loans | 3.9251% | 1,943 |
| Net loans and leases to total assets | 77.9228% | 1,129 |
| Net loans and leases to deposits | 93.6093% | 1,325 |
| Net loans and leases to core deposits | 104.5901% | 1,577 |
| Total domestic deposits to total assets | 83.2425% | 4,470 |
| Equity capital to assets | 9.7014% | 4,408 |
| Core capital (leverage) ratio | 9.5705% | 3,716 |
| Tier 1 risk-based capital ratio | 11.6599% | 5,618 |
| Total risk-based capital ratio | 13.5653% | 5,007 |
| Memoranda: | ||
| Average total assets | $1,869,064,330 | 374 |
| Average earning assets | $1,722,653,670 | 361 |
| Average equity | $177,737,000 | 391 |
| Average total loans | $1,437,780,670 | 333 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3900% | 3,082 |
| Cost of funding earning assets | 1.7833% | 1,947 |
| Net interest margin | 3.6067% | 4,700 |
| Noninterest income to average assets | 1.4264% | 593 |
| Noninterest expense to average assets | 3.6584% | 1,597 |
| Loan and lease loss provision to assets | 0.8534% | 1,490 |
| Net operating income to assets | 0.1724% | 5,779 |
| Return on assets (ROA) | 0.1724% | 5,906 |
| Pretax return on assets | 0.2323% | 5,790 |
| Return on Equity (ROE) | 1.8315% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.8315% | 5,015 |
| Net charge-offs to loans | 1.2973% | 1,318 |
| Credit loss provision to net charge-offs | 86.9042% | 3,723 |
| Earnings coverage of net charge-offs (x) | 1.1056% | 4,104 |
| Efficiency ratio | 77.1156% | 3,044 |
| Assets per employee ($millions) | 3.6299% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1058% | 1,945 |
| Loan loss allowance to noncurrent loans | 46.8085% | 5,223 |
| Noncurrent assets plus other real estate owned to assets | 4.6790% | 1,419 |
| Noncurrent loans to loans | 4.4988% | 1,663 |
| Net loans and leases to total assets | 72.8676% | 2,240 |
| Net loans and leases to deposits | 87.3989% | 2,334 |
| Net loans and leases to core deposits | 98.6950% | 2,273 |
| Total domestic deposits to total assets | 83.3736% | 4,442 |
| Equity capital to assets | 9.3595% | 4,742 |
| Core capital (leverage) ratio | 9.2885% | 4,074 |
| Tier 1 risk-based capital ratio | 11.5558% | 5,622 |
| Total risk-based capital ratio | 13.4888% | 4,930 |
| Memoranda: | ||
| Average total assets | $1,863,204,000 | 385 |
| Average earning assets | $1,713,925,000 | 376 |
| Average equity | $175,374,500 | 400 |
| Average total loans | $1,410,339,500 | 349 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6425% | 3,384 |
| Cost of funding earning assets | 2.4330% | 1,201 |
| Net interest margin | 3.2096% | 6,057 |
| Noninterest income to average assets | 1.5758% | 578 |
| Noninterest expense to average assets | 3.4809% | 2,419 |
| Loan and lease loss provision to assets | 1.5527% | 1,479 |
| Net operating income to assets | -0.2521% | 5,898 |
| Return on assets (ROA) | -0.0690% | 5,639 |
| Pretax return on assets | -0.1971% | 5,702 |
| Return on Equity (ROE) | -0.7301% | 5,663 |
| Retained earnings to average equity (ytd only) | -0.7301% | 5,181 |
| Net charge-offs to loans | 2.2417% | 1,054 |
| Credit loss provision to net charge-offs | 88.8368% | 6,046 |
| Earnings coverage of net charge-offs (x) | 0.6119% | 5,489 |
| Efficiency ratio | 76.4982% | 3,437 |
| Assets per employee ($millions) | 3.7830% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1161% | 1,798 |
| Loan loss allowance to noncurrent loans | 43.1183% | 5,528 |
| Noncurrent assets plus other real estate owned to assets | 4.9576% | 1,250 |
| Noncurrent loans to loans | 4.9077% | 1,387 |
| Net loans and leases to total assets | 75.3479% | 1,954 |
| Net loans and leases to deposits | 89.6472% | 2,273 |
| Net loans and leases to core deposits | 107.4803% | 3,161 |
| Total domestic deposits to total assets | 84.0494% | 4,005 |
| Equity capital to assets | 9.4666% | 4,461 |
| Core capital (leverage) ratio | 9.2731% | 4,014 |
| Tier 1 risk-based capital ratio | 11.5527% | 5,341 |
| Total risk-based capital ratio | 13.4779% | 4,711 |
| Memoranda: | ||
| Average total assets | $1,854,844,800 | 384 |
| Average earning assets | $1,719,049,200 | 376 |
| Average equity | $175,179,000 | 393 |
| Average total loans | $1,446,206,600 | 348 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6197% | 3,742 |
| Cost of funding earning assets | 2.5608% | 1,133 |
| Net interest margin | 3.0590% | 6,437 |
| Noninterest income to average assets | 1.5576% | 611 |
| Noninterest expense to average assets | 3.4476% | 2,429 |
| Loan and lease loss provision to assets | 1.5293% | 1,246 |
| Net operating income to assets | -0.3008% | 6,201 |
| Return on assets (ROA) | -0.2770% | 6,182 |
| Pretax return on assets | -0.5422% | 6,347 |
| Return on Equity (ROE) | -2.9346% | 6,236 |
| Retained earnings to average equity (ytd only) | -2.9346% | 5,926 |
| Net charge-offs to loans | 1.7848% | 1,133 |
| Credit loss provision to net charge-offs | 109.5510% | 4,644 |
| Earnings coverage of net charge-offs (x) | 0.6804% | 5,351 |
| Efficiency ratio | 78.4006% | 3,101 |
| Assets per employee ($millions) | 4.0070% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4704% | 1,093 |
| Loan loss allowance to noncurrent loans | 42.5755% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 5.4911% | 1,040 |
| Noncurrent loans to loans | 5.8025% | 1,045 |
| Net loans and leases to total assets | 73.5789% | 2,651 |
| Net loans and leases to deposits | 87.2701% | 3,094 |
| Net loans and leases to core deposits | 106.8530% | 3,609 |
| Total domestic deposits to total assets | 84.3117% | 3,572 |
| Equity capital to assets | 9.2216% | 5,134 |
| Core capital (leverage) ratio | 9.0510% | 4,576 |
| Tier 1 risk-based capital ratio | 11.2705% | 5,660 |
| Total risk-based capital ratio | 13.1937% | 4,964 |
| Memoranda: | ||
| Average total assets | $1,857,024,250 | 394 |
| Average earning assets | $1,723,978,500 | 386 |
| Average equity | $175,282,500 | 402 |
| Average total loans | $1,452,485,750 | 364 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5905% | 4,125 |
| Cost of funding earning assets | 2.6785% | 1,082 |
| Net interest margin | 2.9120% | 6,773 |
| Noninterest income to average assets | 1.6141% | 573 |
| Noninterest expense to average assets | 3.4235% | 2,559 |
| Loan and lease loss provision to assets | 1.8258% | 903 |
| Net operating income to assets | -0.5284% | 6,578 |
| Return on assets (ROA) | -0.5284% | 6,586 |
| Pretax return on assets | -0.9327% | 6,770 |
| Return on Equity (ROE) | -5.5540% | 6,668 |
| Retained earnings to average equity (ytd only) | -5.5540% | 6,387 |
| Net charge-offs to loans | 1.8981% | 986 |
| Credit loss provision to net charge-offs | 121.4926% | 3,820 |
| Earnings coverage of net charge-offs (x) | 0.5943% | 5,119 |
| Efficiency ratio | 79.3097% | 3,147 |
| Assets per employee ($millions) | 4.1090% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4709% | 928 |
| Loan loss allowance to noncurrent loans | 40.0234% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 6.1705% | 775 |
| Noncurrent loans to loans | 6.1736% | 881 |
| Net loans and leases to total assets | 76.5635% | 2,045 |
| Net loans and leases to deposits | 92.3313% | 2,408 |
| Net loans and leases to core deposits | 115.9704% | 2,715 |
| Total domestic deposits to total assets | 82.9226% | 4,278 |
| Equity capital to assets | 9.1214% | 5,137 |
| Core capital (leverage) ratio | 8.7652% | 4,984 |
| Tier 1 risk-based capital ratio | 10.5771% | 6,315 |
| Total risk-based capital ratio | 12.4843% | 5,573 |
| Memoranda: | ||
| Average total assets | $1,840,259,670 | 405 |
| Average earning assets | $1,707,899,670 | 395 |
| Average equity | $175,081,670 | 406 |
| Average total loans | $1,457,003,670 | 373 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4928% | 4,950 |
| Cost of funding earning assets | 2.6730% | 1,336 |
| Net interest margin | 2.8198% | 6,954 |
| Noninterest income to average assets | 1.5354% | 589 |
| Noninterest expense to average assets | 3.0818% | 3,441 |
| Loan and lease loss provision to assets | 2.1153% | 561 |
| Net operating income to assets | -0.5958% | 6,962 |
| Return on assets (ROA) | -0.5958% | 7,006 |
| Pretax return on assets | -1.0416% | 7,169 |
| Return on Equity (ROE) | -6.1308% | 7,076 |
| Retained earnings to average equity (ytd only) | -6.1308% | 6,703 |
| Net charge-offs to loans | 2.1579% | 664 |
| Credit loss provision to net charge-offs | 123.2666% | 3,213 |
| Earnings coverage of net charge-offs (x) | 0.6257% | 4,489 |
| Efficiency ratio | 74.1609% | 3,796 |
| Assets per employee ($millions) | 4.2717% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4598% | 794 |
| Loan loss allowance to noncurrent loans | 33.7430% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 6.5039% | 573 |
| Noncurrent loans to loans | 7.2897% | 527 |
| Net loans and leases to total assets | 75.2447% | 2,438 |
| Net loans and leases to deposits | 91.8050% | 2,633 |
| Net loans and leases to core deposits | 114.9162% | 2,915 |
| Total domestic deposits to total assets | 81.9615% | 4,565 |
| Equity capital to assets | 9.3869% | 4,825 |
| Core capital (leverage) ratio | 9.2652% | 4,294 |
| Tier 1 risk-based capital ratio | 10.5865% | 6,304 |
| Total risk-based capital ratio | 12.4977% | 5,561 |
| Memoranda: | ||
| Average total assets | $1,815,330,500 | 409 |
| Average earning assets | $1,686,798,500 | 404 |
| Average equity | $176,419,500 | 408 |
| Average total loans | $1,443,603,500 | 375 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3604% | 3,639 |
| Cost of funding earning assets | 3.2871% | 961 |
| Net interest margin | 3.0734% | 6,730 |
| Noninterest income to average assets | 0.9500% | 1,768 |
| Noninterest expense to average assets | 2.8129% | 4,768 |
| Loan and lease loss provision to assets | 2.0983% | 559 |
| Net operating income to assets | -0.6260% | 7,020 |
| Return on assets (ROA) | -0.5780% | 6,872 |
| Pretax return on assets | -1.0241% | 7,010 |
| Return on Equity (ROE) | -6.9271% | 7,041 |
| Retained earnings to average equity (ytd only) | -8.3995% | 6,911 |
| Net charge-offs to loans | 1.3191% | 900 |
| Credit loss provision to net charge-offs | 188.2468% | 2,629 |
| Earnings coverage of net charge-offs (x) | 0.8964% | 5,687 |
| Efficiency ratio | 73.7892% | 3,619 |
| Assets per employee ($millions) | 4.8078% | 2,167 |
| Cash dividends to net income (ytd only)* | -21.2555% | 7,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3334% | 814 |
| Loan loss allowance to noncurrent loans | 34.3253% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 6.4340% | 436 |
| Noncurrent loans to loans | 6.7979% | 463 |
| Net loans and leases to total assets | 80.1396% | 1,634 |
| Net loans and leases to deposits | 97.3443% | 2,222 |
| Net loans and leases to core deposits | 124.6722% | 2,276 |
| Total domestic deposits to total assets | 82.3259% | 4,075 |
| Equity capital to assets | 10.0707% | 3,952 |
| Core capital (leverage) ratio | 9.9713% | 3,473 |
| Tier 1 risk-based capital ratio | 11.0149% | 5,715 |
| Total risk-based capital ratio | 12.9173% | 4,982 |
| Memoranda: | ||
| Average total assets | $1,741,912,200 | 409 |
| Average earning assets | $1,622,198,000 | 397 |
| Average equity | $145,341,600 | 479 |
| Average total loans | $1,471,933,200 | 356 |