Home > Fulton Bank of New Jersey > Performance and Condition Ratios
Fulton Bank of New Jersey, Performance and Condition Ratios
| 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 | 4.2193% | 3,809 |
| Cost of funding earning assets | 0.6271% | 3,426 |
| Net interest margin | 3.5922% | 3,277 |
| Noninterest income to average assets | 0.7416% | 1,459 |
| Noninterest expense to average assets | 2.4839% | 3,556 |
| Loan and lease loss provision to assets | 0.1649% | 1,020 |
| Net operating income to assets | 1.0848% | 2,527 |
| Return on assets (ROA) | 1.0864% | 2,564 |
| Pretax return on assets | 1.3591% | 2,236 |
| Return on Equity (ROE) | 8.6138% | 2,982 |
| Retained earnings to average equity (ytd only) | -2.6805% | 4,796 |
| Net charge-offs to loans | 0.0868% | 1,233 |
| Credit loss provision to net charge-offs | 273.5433% | 873 |
| Earnings coverage of net charge-offs (x) | 25.2409% | 1,432 |
| Efficiency ratio | 62.0055% | 3,533 |
| Assets per employee ($millions) | 10.1433% | 324 |
| Cash dividends to net income (ytd only)* | 131.1189% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 1,571 |
| Loan loss allowance to noncurrent loans | 152.6314% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7636% | 1,846 |
| Noncurrent loans to loans | 0.9371% | 1,792 |
| Net loans and leases to total assets | 68.2131% | 2,732 |
| Net loans and leases to deposits | 80.0496% | 2,835 |
| Net loans and leases to core deposits | 81.6471% | 3,210 |
| Total domestic deposits to total assets | 85.2136% | 2,595 |
| Equity capital to assets | 12.5571% | 1,700 |
| Core capital (leverage) ratio | 9.3075% | 4,354 |
| Tier 1 risk-based capital ratio | 11.7449% | 4,593 |
| Total risk-based capital ratio | 12.9958% | 4,497 |
| Memoranda: | ||
| Average total assets | $4,212,235,000 | 261 |
| Average earning assets | $3,827,807,000 | 259 |
| Average equity | $531,241,500 | 240 |
| Average total loans | $2,926,628,000 | 263 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 3,932 |
| Cost of funding earning assets | 0.4806% | 3,474 |
| Net interest margin | 3.5542% | 3,532 |
| Noninterest income to average assets | 0.7759% | 1,542 |
| Noninterest expense to average assets | 2.6688% | 3,126 |
| Loan and lease loss provision to assets | -0.1356% | 5,293 |
| Net operating income to assets | 1.1686% | 2,320 |
| Return on assets (ROA) | 1.1603% | 2,343 |
| Pretax return on assets | 1.4636% | 1,898 |
| Return on Equity (ROE) | 9.1697% | 2,905 |
| Retained earnings to average equity (ytd only) | 6.0580% | 2,163 |
| Net charge-offs to loans | 0.1180% | 1,564 |
| Credit loss provision to net charge-offs | -161.6896% | 4,446 |
| Earnings coverage of net charge-offs (x) | 15.9554% | 2,287 |
| Efficiency ratio | 66.5979% | 2,765 |
| Assets per employee ($millions) | 9.8461% | 356 |
| Cash dividends to net income (ytd only)* | 33.9350% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 1,641 |
| Loan loss allowance to noncurrent loans | 145.6567% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 1,724 |
| Noncurrent loans to loans | 0.9611% | 1,685 |
| Net loans and leases to total assets | 68.7826% | 2,766 |
| Net loans and leases to deposits | 80.2606% | 2,927 |
| Net loans and leases to core deposits | 81.9167% | 3,270 |
| Total domestic deposits to total assets | 85.6991% | 2,363 |
| Equity capital to assets | 12.6674% | 1,502 |
| Core capital (leverage) ratio | 9.3514% | 4,300 |
| Tier 1 risk-based capital ratio | 12.0785% | 4,378 |
| Total risk-based capital ratio | 13.3294% | 4,265 |
| Memoranda: | ||
| Average total assets | $4,063,602,600 | 265 |
| Average earning assets | $3,694,573,600 | 263 |
| Average equity | $514,179,800 | 236 |
| Average total loans | $2,888,900,600 | 260 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9700% | 4,023 |
| Cost of funding earning assets | 0.4362% | 3,620 |
| Net interest margin | 3.5338% | 3,580 |
| Noninterest income to average assets | 0.7792% | 1,542 |
| Noninterest expense to average assets | 2.6866% | 3,010 |
| Loan and lease loss provision to assets | -0.2247% | 5,409 |
| Net operating income to assets | 1.2175% | 2,169 |
| Return on assets (ROA) | 1.2061% | 2,218 |
| Pretax return on assets | 1.5132% | 1,856 |
| Return on Equity (ROE) | 9.5347% | 2,828 |
| Retained earnings to average equity (ytd only) | 6.6602% | 2,303 |
| Net charge-offs to loans | 0.0199% | 2,742 |
| Credit loss provision to net charge-offs | -1,577.0302% | 4,710 |
| Earnings coverage of net charge-offs (x) | 91.4366% | 810 |
| Efficiency ratio | 67.3448% | 2,651 |
| Assets per employee ($millions) | 9.8875% | 346 |
| Cash dividends to net income (ytd only)* | 30.1486% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4473% | 1,535 |
| Loan loss allowance to noncurrent loans | 130.6070% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.9409% | 1,559 |
| Noncurrent loans to loans | 1.1082% | 1,536 |
| Net loans and leases to total assets | 70.2827% | 2,599 |
| Net loans and leases to deposits | 81.7388% | 2,849 |
| Net loans and leases to core deposits | 83.6279% | 3,182 |
| Total domestic deposits to total assets | 85.9846% | 2,198 |
| Equity capital to assets | 12.5570% | 1,547 |
| Core capital (leverage) ratio | 9.5515% | 4,114 |
| Tier 1 risk-based capital ratio | 11.8034% | 4,602 |
| Total risk-based capital ratio | 13.0547% | 4,494 |
| Memoranda: | ||
| Average total assets | $4,033,359,500 | 263 |
| Average earning assets | $3,663,986,250 | 263 |
| Average equity | $510,205,750 | 235 |
| Average total loans | $2,881,344,500 | 258 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9077% | 4,058 |
| Cost of funding earning assets | 0.3995% | 3,721 |
| Net interest margin | 3.5082% | 3,602 |
| Noninterest income to average assets | 0.7917% | 1,496 |
| Noninterest expense to average assets | 2.7311% | 2,906 |
| Loan and lease loss provision to assets | -0.0296% | 5,338 |
| Net operating income to assets | 1.0122% | 2,966 |
| Return on assets (ROA) | 0.9932% | 3,053 |
| Pretax return on assets | 1.2540% | 2,709 |
| Return on Equity (ROE) | 7.8322% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.4686% | 2,840 |
| Net charge-offs to loans | 0.0585% | 1,768 |
| Credit loss provision to net charge-offs | -70.8483% | 4,042 |
| Earnings coverage of net charge-offs (x) | 29.8554% | 1,507 |
| Efficiency ratio | 68.6300% | 2,540 |
| Assets per employee ($millions) | 9.4478% | 380 |
| Cash dividends to net income (ytd only)* | 30.1781% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6810% | 934 |
| Loan loss allowance to noncurrent loans | 159.9074% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 1,634 |
| Noncurrent loans to loans | 1.0512% | 1,669 |
| Net loans and leases to total assets | 71.2746% | 2,393 |
| Net loans and leases to deposits | 83.2460% | 2,618 |
| Net loans and leases to core deposits | 84.8509% | 3,019 |
| Total domestic deposits to total assets | 85.6192% | 2,446 |
| Equity capital to assets | 12.8410% | 1,374 |
| Core capital (leverage) ratio | 9.4446% | 4,184 |
| Tier 1 risk-based capital ratio | 11.5961% | 4,749 |
| Total risk-based capital ratio | 12.8500% | 4,620 |
| Memoranda: | ||
| Average total assets | $4,003,448,330 | 262 |
| Average earning assets | $3,637,877,330 | 261 |
| Average equity | $507,696,000 | 234 |
| Average total loans | $2,861,666,000 | 258 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 4,152 |
| Cost of funding earning assets | 0.3724% | 3,803 |
| Net interest margin | 3.4518% | 3,697 |
| Noninterest income to average assets | 0.8255% | 1,376 |
| Noninterest expense to average assets | 2.7864% | 2,748 |
| Loan and lease loss provision to assets | -0.1788% | 5,544 |
| Net operating income to assets | 1.1040% | 2,401 |
| Return on assets (ROA) | 1.1040% | 2,417 |
| Pretax return on assets | 1.3600% | 2,148 |
| Return on Equity (ROE) | 8.7597% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.1811% | 2,192 |
| Net charge-offs to loans | 0.0683% | 1,428 |
| Credit loss provision to net charge-offs | -368.9938% | 3,929 |
| Earnings coverage of net charge-offs (x) | 24.3840% | 1,360 |
| Efficiency ratio | 70.2276% | 2,449 |
| Assets per employee ($millions) | 9.3871% | 390 |
| Cash dividends to net income (ytd only)* | 18.0213% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 1,011 |
| Loan loss allowance to noncurrent loans | 154.8406% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.8914% | 1,777 |
| Noncurrent loans to loans | 1.0787% | 1,701 |
| Net loans and leases to total assets | 70.2604% | 2,433 |
| Net loans and leases to deposits | 82.1203% | 2,580 |
| Net loans and leases to core deposits | 83.6167% | 3,011 |
| Total domestic deposits to total assets | 85.5579% | 2,724 |
| Equity capital to assets | 12.7323% | 1,371 |
| Core capital (leverage) ratio | 9.1814% | 4,460 |
| Tier 1 risk-based capital ratio | 11.6811% | 4,752 |
| Total risk-based capital ratio | 12.9351% | 4,641 |
| Memoranda: | ||
| Average total assets | $4,021,138,500 | 260 |
| Average earning assets | $3,660,307,500 | 260 |
| Average equity | $506,773,500 | 236 |
| Average total loans | $2,854,209,500 | 258 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7222% | 4,285 |
| Cost of funding earning assets | 0.3275% | 3,895 |
| Net interest margin | 3.3946% | 3,866 |
| Noninterest income to average assets | 0.7880% | 1,616 |
| Noninterest expense to average assets | 2.8714% | 2,545 |
| Loan and lease loss provision to assets | 0.1183% | 1,928 |
| Net operating income to assets | 0.6386% | 3,859 |
| Return on assets (ROA) | 0.6180% | 3,978 |
| Pretax return on assets | 0.8540% | 4,075 |
| Return on Equity (ROE) | 4.7663% | 4,261 |
| Retained earnings to average equity (ytd only) | -0.0384% | 5,027 |
| Net charge-offs to loans | 0.0545% | 2,713 |
| Credit loss provision to net charge-offs | 304.2511% | 927 |
| Earnings coverage of net charge-offs (x) | 25.7489% | 1,701 |
| Efficiency ratio | 74.1502% | 1,873 |
| Assets per employee ($millions) | 9.3169% | 401 |
| Cash dividends to net income (ytd only)* | 100.8065% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7381% | 877 |
| Loan loss allowance to noncurrent loans | 163.7590% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 1,827 |
| Noncurrent loans to loans | 1.0614% | 1,677 |
| Net loans and leases to total assets | 69.2903% | 2,634 |
| Net loans and leases to deposits | 80.8686% | 2,830 |
| Net loans and leases to core deposits | 82.3298% | 3,220 |
| Total domestic deposits to total assets | 85.6826% | 2,585 |
| Equity capital to assets | 12.4758% | 1,530 |
| Core capital (leverage) ratio | 8.7799% | 4,879 |
| Tier 1 risk-based capital ratio | 11.1604% | 5,057 |
| Total risk-based capital ratio | 12.4150% | 4,931 |
| Memoranda: | ||
| Average total assets | $3,933,000,800 | 256 |
| Average earning assets | $3,573,621,600 | 253 |
| Average equity | $509,912,400 | 225 |
| Average total loans | $2,803,329,400 | 255 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6940% | 4,334 |
| Cost of funding earning assets | 0.3102% | 4,026 |
| Net interest margin | 3.3839% | 3,909 |
| Noninterest income to average assets | 0.7997% | 1,589 |
| Noninterest expense to average assets | 2.8534% | 2,557 |
| Loan and lease loss provision to assets | 0.1219% | 1,779 |
| Net operating income to assets | 0.7130% | 3,906 |
| Return on assets (ROA) | 0.7139% | 3,966 |
| Pretax return on assets | 0.8982% | 4,048 |
| Return on Equity (ROE) | 5.4526% | 4,348 |
| Retained earnings to average equity (ytd only) | 0.6227% | 5,083 |
| Net charge-offs to loans | 0.0575% | 2,311 |
| Credit loss provision to net charge-offs | 296.3425% | 1,003 |
| Earnings coverage of net charge-offs (x) | 24.7797% | 1,755 |
| Efficiency ratio | 73.6870% | 1,942 |
| Assets per employee ($millions) | 9.1612% | 409 |
| Cash dividends to net income (ytd only)* | 88.5803% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 973 |
| Loan loss allowance to noncurrent loans | 155.7833% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 1,939 |
| Noncurrent loans to loans | 1.1127% | 1,729 |
| Net loans and leases to total assets | 68.9457% | 2,704 |
| Net loans and leases to deposits | 80.5010% | 2,921 |
| Net loans and leases to core deposits | 81.9635% | 3,290 |
| Total domestic deposits to total assets | 85.6458% | 2,457 |
| Equity capital to assets | 12.6683% | 1,569 |
| Core capital (leverage) ratio | 9.0778% | 4,653 |
| Tier 1 risk-based capital ratio | 11.5491% | 4,930 |
| Total risk-based capital ratio | 12.8037% | 4,813 |
| Memoranda: | ||
| Average total assets | $3,900,714,000 | 258 |
| Average earning assets | $3,541,941,750 | 256 |
| Average equity | $510,694,000 | 225 |
| Average total loans | $2,788,046,250 | 253 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6817% | 4,278 |
| Cost of funding earning assets | 0.2887% | 4,199 |
| Net interest margin | 3.3929% | 3,795 |
| Noninterest income to average assets | 0.8167% | 1,511 |
| Noninterest expense to average assets | 2.8035% | 2,747 |
| Loan and lease loss provision to assets | 0.0791% | 2,404 |
| Net operating income to assets | 0.7550% | 3,613 |
| Return on assets (ROA) | 0.7561% | 3,659 |
| Pretax return on assets | 1.0076% | 3,538 |
| Return on Equity (ROE) | 5.7105% | 4,177 |
| Retained earnings to average equity (ytd only) | 3.1650% | 3,827 |
| Net charge-offs to loans | 0.0407% | 2,384 |
| Credit loss provision to net charge-offs | 270.0885% | 1,032 |
| Earnings coverage of net charge-offs (x) | 37.0496% | 1,311 |
| Efficiency ratio | 72.0901% | 2,324 |
| Assets per employee ($millions) | 8.7783% | 453 |
| Cash dividends to net income (ytd only)* | 44.5755% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6899% | 1,077 |
| Loan loss allowance to noncurrent loans | 149.1077% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 1,970 |
| Noncurrent loans to loans | 1.1334% | 1,728 |
| Net loans and leases to total assets | 70.2927% | 2,482 |
| Net loans and leases to deposits | 82.3761% | 2,664 |
| Net loans and leases to core deposits | 83.9142% | 3,078 |
| Total domestic deposits to total assets | 85.3314% | 2,682 |
| Equity capital to assets | 13.0724% | 1,341 |
| Core capital (leverage) ratio | 9.6080% | 4,015 |
| Tier 1 risk-based capital ratio | 11.7567% | 4,795 |
| Total risk-based capital ratio | 13.0109% | 4,685 |
| Memoranda: | ||
| Average total assets | $3,857,313,670 | 261 |
| Average earning assets | $3,492,597,330 | 259 |
| Average equity | $510,709,670 | 225 |
| Average total loans | $2,774,672,330 | 254 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 4,220 |
| Cost of funding earning assets | 0.2832% | 4,222 |
| Net interest margin | 3.3818% | 3,703 |
| Noninterest income to average assets | 0.7694% | 1,669 |
| Noninterest expense to average assets | 2.5934% | 3,526 |
| Loan and lease loss provision to assets | -0.0440% | 5,708 |
| Net operating income to assets | 0.8332% | 3,067 |
| Return on assets (ROA) | 0.8347% | 3,113 |
| Pretax return on assets | 1.2808% | 2,303 |
| Return on Equity (ROE) | 6.2631% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.2631% | 2,205 |
| Net charge-offs to loans | 0.1492% | 1,067 |
| Credit loss provision to net charge-offs | -40.8958% | 3,854 |
| Earnings coverage of net charge-offs (x) | 11.4645% | 1,890 |
| Efficiency ratio | 67.7513% | 3,241 |
| Assets per employee ($millions) | 8.5653% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6340% | 1,302 |
| Loan loss allowance to noncurrent loans | 141.8350% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 2,015 |
| Noncurrent loans to loans | 1.1521% | 1,765 |
| Net loans and leases to total assets | 71.2544% | 2,178 |
| Net loans and leases to deposits | 83.5805% | 2,332 |
| Net loans and leases to core deposits | 85.1315% | 2,798 |
| Total domestic deposits to total assets | 85.2524% | 2,981 |
| Equity capital to assets | 13.4238% | 1,098 |
| Core capital (leverage) ratio | 9.7317% | 3,833 |
| Tier 1 risk-based capital ratio | 12.0359% | 4,688 |
| Total risk-based capital ratio | 13.2896% | 4,584 |
| Memoranda: | ||
| Average total assets | $3,815,237,500 | 266 |
| Average earning assets | $3,450,328,000 | 264 |
| Average equity | $508,441,500 | 225 |
| Average total loans | $2,752,915,000 | 257 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6772% | 4,289 |
| Cost of funding earning assets | 0.3112% | 3,946 |
| Net interest margin | 3.3660% | 3,933 |
| Noninterest income to average assets | 0.8148% | 1,693 |
| Noninterest expense to average assets | 2.8020% | 3,016 |
| Loan and lease loss provision to assets | 0.0645% | 3,083 |
| Net operating income to assets | 0.6701% | 3,911 |
| Return on assets (ROA) | 0.6717% | 4,016 |
| Pretax return on assets | 0.9912% | 3,507 |
| Return on Equity (ROE) | 4.9677% | 4,449 |
| Retained earnings to average equity (ytd only) | 2.0057% | 4,404 |
| Net charge-offs to loans | 0.1449% | 1,814 |
| Credit loss provision to net charge-offs | 60.5871% | 3,237 |
| Earnings coverage of net charge-offs (x) | 9.8979% | 2,710 |
| Efficiency ratio | 72.6770% | 2,479 |
| Assets per employee ($millions) | 8.1071% | 578 |
| Cash dividends to net income (ytd only)* | 59.6256% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 1,129 |
| Loan loss allowance to noncurrent loans | 143.2158% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.9306% | 2,038 |
| Noncurrent loans to loans | 1.1898% | 1,722 |
| Net loans and leases to total assets | 70.6481% | 2,387 |
| Net loans and leases to deposits | 82.8867% | 2,559 |
| Net loans and leases to core deposits | 84.4918% | 2,979 |
| Total domestic deposits to total assets | 85.2346% | 2,944 |
| Equity capital to assets | 13.2291% | 1,162 |
| Core capital (leverage) ratio | 9.4023% | 4,221 |
| Tier 1 risk-based capital ratio | 11.8916% | 4,801 |
| Total risk-based capital ratio | 13.1461% | 4,683 |
| Memoranda: | ||
| Average total assets | $3,745,300,400 | 255 |
| Average earning assets | $3,383,256,000 | 256 |
| Average equity | $506,414,000 | 218 |
| Average total loans | $2,750,611,400 | 245 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6980% | 4,254 |
| Cost of funding earning assets | 0.3114% | 3,961 |
| Net interest margin | 3.3866% | 3,900 |
| Noninterest income to average assets | 0.8171% | 1,693 |
| Noninterest expense to average assets | 2.8039% | 2,998 |
| Loan and lease loss provision to assets | 0.0324% | 3,582 |
| Net operating income to assets | 0.6810% | 3,952 |
| Return on assets (ROA) | 0.6821% | 4,077 |
| Pretax return on assets | 1.0416% | 3,464 |
| Return on Equity (ROE) | 5.0171% | 4,510 |
| Retained earnings to average equity (ytd only) | 2.1243% | 4,630 |
| Net charge-offs to loans | 0.2133% | 1,089 |
| Credit loss provision to net charge-offs | 20.5448% | 3,294 |
| Earnings coverage of net charge-offs (x) | 6.8077% | 2,962 |
| Efficiency ratio | 72.3383% | 2,527 |
| Assets per employee ($millions) | 8.0809% | 573 |
| Cash dividends to net income (ytd only)* | 57.6580% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 1,432 |
| Loan loss allowance to noncurrent loans | 132.7763% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.9528% | 2,176 |
| Noncurrent loans to loans | 1.2151% | 1,846 |
| Net loans and leases to total assets | 71.2210% | 2,314 |
| Net loans and leases to deposits | 84.6705% | 2,407 |
| Net loans and leases to core deposits | 86.4631% | 2,911 |
| Total domestic deposits to total assets | 84.1155% | 3,179 |
| Equity capital to assets | 13.3882% | 1,296 |
| Core capital (leverage) ratio | 9.5207% | 4,147 |
| Tier 1 risk-based capital ratio | 11.5506% | 5,053 |
| Total risk-based capital ratio | 12.8040% | 4,969 |
| Memoranda: | ||
| Average total assets | $3,729,035,750 | 254 |
| Average earning assets | $3,368,371,000 | 252 |
| Average equity | $506,998,250 | 219 |
| Average total loans | $2,753,611,250 | 242 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6984% | 4,308 |
| Cost of funding earning assets | 0.3115% | 4,005 |
| Net interest margin | 3.3870% | 3,942 |
| Noninterest income to average assets | 0.7801% | 1,808 |
| Noninterest expense to average assets | 2.8507% | 2,842 |
| Loan and lease loss provision to assets | 0.0049% | 3,956 |
| Net operating income to assets | 0.6701% | 3,959 |
| Return on assets (ROA) | 0.6719% | 4,090 |
| Pretax return on assets | 0.9849% | 3,639 |
| Return on Equity (ROE) | 4.9163% | 4,553 |
| Retained earnings to average equity (ytd only) | 2.1443% | 4,497 |
| Net charge-offs to loans | 0.2670% | 898 |
| Credit loss provision to net charge-offs | 2.4537% | 3,038 |
| Earnings coverage of net charge-offs (x) | 4.9722% | 2,908 |
| Efficiency ratio | 74.2793% | 2,320 |
| Assets per employee ($millions) | 7.8367% | 609 |
| Cash dividends to net income (ytd only)* | 56.3834% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6057% | 1,510 |
| Loan loss allowance to noncurrent loans | 131.9924% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.9867% | 2,168 |
| Noncurrent loans to loans | 1.2165% | 1,888 |
| Net loans and leases to total assets | 73.6682% | 1,906 |
| Net loans and leases to deposits | 88.3034% | 1,951 |
| Net loans and leases to core deposits | 90.1173% | 2,523 |
| Total domestic deposits to total assets | 83.4262% | 3,495 |
| Equity capital to assets | 13.7565% | 1,117 |
| Core capital (leverage) ratio | 9.6069% | 4,059 |
| Tier 1 risk-based capital ratio | 11.5092% | 5,147 |
| Total risk-based capital ratio | 12.7628% | 5,031 |
| Memoranda: | ||
| Average total assets | $3,695,258,000 | 254 |
| Average earning assets | $3,335,947,330 | 255 |
| Average equity | $505,058,000 | 220 |
| Average total loans | $2,747,227,330 | 243 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6707% | 4,417 |
| Cost of funding earning assets | 0.3105% | 4,055 |
| Net interest margin | 3.3602% | 4,006 |
| Noninterest income to average assets | 0.7477% | 1,826 |
| Noninterest expense to average assets | 2.8548% | 2,866 |
| Loan and lease loss provision to assets | -0.0612% | 5,957 |
| Net operating income to assets | 0.6722% | 3,867 |
| Return on assets (ROA) | 0.6756% | 3,963 |
| Pretax return on assets | 0.9963% | 3,493 |
| Return on Equity (ROE) | 4.9593% | 4,501 |
| Retained earnings to average equity (ytd only) | 1.7726% | 4,557 |
| Net charge-offs to loans | 0.1729% | 1,104 |
| Credit loss provision to net charge-offs | -47.7966% | 4,146 |
| Earnings coverage of net charge-offs (x) | 7.2627% | 2,158 |
| Efficiency ratio | 75.4258% | 2,262 |
| Assets per employee ($millions) | 7.7598% | 619 |
| Cash dividends to net income (ytd only)* | 64.2570% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7038% | 1,361 |
| Loan loss allowance to noncurrent loans | 113.4729% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 1,879 |
| Noncurrent loans to loans | 1.5015% | 1,558 |
| Net loans and leases to total assets | 72.6149% | 1,938 |
| Net loans and leases to deposits | 86.2950% | 2,033 |
| Net loans and leases to core deposits | 88.1090% | 2,552 |
| Total domestic deposits to total assets | 84.1472% | 3,460 |
| Equity capital to assets | 13.6819% | 1,099 |
| Core capital (leverage) ratio | 9.5534% | 4,098 |
| Tier 1 risk-based capital ratio | 11.3836% | 5,289 |
| Total risk-based capital ratio | 12.6381% | 5,194 |
| Memoranda: | ||
| Average total assets | $3,685,599,000 | 254 |
| Average earning assets | $3,331,325,500 | 256 |
| Average equity | $502,090,000 | 218 |
| Average total loans | $2,730,282,500 | 242 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 4,392 |
| Cost of funding earning assets | 0.3297% | 3,914 |
| Net interest margin | 3.3613% | 4,071 |
| Noninterest income to average assets | 0.8271% | 1,685 |
| Noninterest expense to average assets | 2.9251% | 2,781 |
| Loan and lease loss provision to assets | -0.1592% | 5,931 |
| Net operating income to assets | 0.7662% | 3,484 |
| Return on assets (ROA) | 0.7670% | 3,568 |
| Pretax return on assets | 1.0842% | 3,136 |
| Return on Equity (ROE) | 5.6083% | 4,229 |
| Retained earnings to average equity (ytd only) | 4.9940% | 2,426 |
| Net charge-offs to loans | 0.1024% | 2,390 |
| Credit loss provision to net charge-offs | -215.1779% | 5,283 |
| Earnings coverage of net charge-offs (x) | 12.4856% | 2,463 |
| Efficiency ratio | 75.8526% | 2,298 |
| Assets per employee ($millions) | 7.4747% | 713 |
| Cash dividends to net income (ytd only)* | 10.9533% | 4,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 1,200 |
| Loan loss allowance to noncurrent loans | 110.6587% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.2704% | 1,681 |
| Noncurrent loans to loans | 1.5955% | 1,438 |
| Net loans and leases to total assets | 72.9753% | 1,896 |
| Net loans and leases to deposits | 86.5568% | 2,054 |
| Net loans and leases to core deposits | 88.3891% | 2,566 |
| Total domestic deposits to total assets | 84.3091% | 3,361 |
| Equity capital to assets | 13.5638% | 1,104 |
| Core capital (leverage) ratio | 9.5236% | 4,139 |
| Tier 1 risk-based capital ratio | 11.3674% | 5,330 |
| Total risk-based capital ratio | 12.6229% | 5,224 |
| Memoranda: | ||
| Average total assets | $3,570,783,800 | 243 |
| Average earning assets | $3,210,091,200 | 243 |
| Average equity | $488,366,000 | 213 |
| Average total loans | $2,581,248,600 | 239 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 4,444 |
| Cost of funding earning assets | 0.3352% | 3,918 |
| Net interest margin | 3.3576% | 4,117 |
| Noninterest income to average assets | 0.8290% | 1,693 |
| Noninterest expense to average assets | 2.9682% | 2,613 |
| Loan and lease loss provision to assets | -0.1930% | 6,092 |
| Net operating income to assets | 0.7656% | 3,609 |
| Return on assets (ROA) | 0.7656% | 3,704 |
| Pretax return on assets | 1.0684% | 3,338 |
| Return on Equity (ROE) | 5.5862% | 4,363 |
| Retained earnings to average equity (ytd only) | 4.7628% | 3,080 |
| Net charge-offs to loans | 0.1191% | 1,929 |
| Credit loss provision to net charge-offs | -225.7482% | 5,204 |
| Earnings coverage of net charge-offs (x) | 10.2421% | 2,612 |
| Efficiency ratio | 77.0280% | 2,088 |
| Assets per employee ($millions) | 7.3144% | 748 |
| Cash dividends to net income (ytd only)* | 14.7406% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9019% | 1,071 |
| Loan loss allowance to noncurrent loans | 106.7558% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.3531% | 1,719 |
| Noncurrent loans to loans | 1.7815% | 1,333 |
| Net loans and leases to total assets | 70.0335% | 2,380 |
| Net loans and leases to deposits | 83.3011% | 2,487 |
| Net loans and leases to core deposits | 85.1516% | 2,937 |
| Total domestic deposits to total assets | 84.0727% | 3,395 |
| Equity capital to assets | 13.6921% | 1,144 |
| Core capital (leverage) ratio | 9.5562% | 4,227 |
| Tier 1 risk-based capital ratio | 11.4548% | 5,399 |
| Total risk-based capital ratio | 12.7118% | 5,316 |
| Memoranda: | ||
| Average total assets | $3,544,094,250 | 249 |
| Average earning assets | $3,182,026,750 | 250 |
| Average equity | $485,753,500 | 217 |
| Average total loans | $2,543,578,000 | 244 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7126% | 4,371 |
| Cost of funding earning assets | 0.3428% | 3,889 |
| Net interest margin | 3.3697% | 4,015 |
| Noninterest income to average assets | 0.8640% | 1,557 |
| Noninterest expense to average assets | 2.9995% | 2,554 |
| Loan and lease loss provision to assets | -0.1722% | 6,158 |
| Net operating income to assets | 0.7628% | 3,577 |
| Return on assets (ROA) | 0.7629% | 3,676 |
| Pretax return on assets | 1.0593% | 3,341 |
| Return on Equity (ROE) | 5.5640% | 4,341 |
| Retained earnings to average equity (ytd only) | 4.3203% | 3,274 |
| Net charge-offs to loans | 0.1870% | 1,336 |
| Credit loss provision to net charge-offs | -128.0642% | 4,939 |
| Earnings coverage of net charge-offs (x) | 6.5959% | 2,763 |
| Efficiency ratio | 76.8837% | 2,216 |
| Assets per employee ($millions) | 7.0902% | 807 |
| Cash dividends to net income (ytd only)* | 22.3530% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0090% | 970 |
| Loan loss allowance to noncurrent loans | 102.7760% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.5297% | 1,600 |
| Noncurrent loans to loans | 1.9547% | 1,268 |
| Net loans and leases to total assets | 70.6822% | 2,212 |
| Net loans and leases to deposits | 84.0381% | 2,309 |
| Net loans and leases to core deposits | 86.0346% | 2,761 |
| Total domestic deposits to total assets | 84.1074% | 3,519 |
| Equity capital to assets | 13.7927% | 1,062 |
| Core capital (leverage) ratio | 9.4478% | 4,341 |
| Tier 1 risk-based capital ratio | 11.4519% | 5,497 |
| Total risk-based capital ratio | 12.7103% | 5,410 |
| Memoranda: | ||
| Average total assets | $3,518,589,670 | 251 |
| Average earning assets | $3,156,093,330 | 253 |
| Average equity | $482,425,000 | 220 |
| Average total loans | $2,529,838,000 | 244 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 4,310 |
| Cost of funding earning assets | 0.3571% | 3,786 |
| Net interest margin | 3.3590% | 3,992 |
| Noninterest income to average assets | 0.7788% | 1,792 |
| Noninterest expense to average assets | 3.0299% | 2,486 |
| Loan and lease loss provision to assets | -0.3432% | 6,319 |
| Net operating income to assets | 0.7849% | 3,341 |
| Return on assets (ROA) | 0.7849% | 3,474 |
| Pretax return on assets | 1.1054% | 3,047 |
| Return on Equity (ROE) | 5.7417% | 4,168 |
| Retained earnings to average equity (ytd only) | 3.2424% | 4,042 |
| Net charge-offs to loans | 0.0963% | 1,758 |
| Credit loss provision to net charge-offs | -496.5404% | 4,816 |
| Earnings coverage of net charge-offs (x) | 11.0264% | 1,892 |
| Efficiency ratio | 79.6000% | 1,941 |
| Assets per employee ($millions) | 7.0741% | 830 |
| Cash dividends to net income (ytd only)* | 43.5287% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1068% | 917 |
| Loan loss allowance to noncurrent loans | 126.5532% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.3189% | 2,013 |
| Noncurrent loans to loans | 1.6647% | 1,668 |
| Net loans and leases to total assets | 69.2708% | 2,241 |
| Net loans and leases to deposits | 82.7152% | 2,241 |
| Net loans and leases to core deposits | 84.7881% | 2,683 |
| Total domestic deposits to total assets | 83.7462% | 3,911 |
| Equity capital to assets | 13.6090% | 1,125 |
| Core capital (leverage) ratio | 9.3676% | 4,475 |
| Tier 1 risk-based capital ratio | 11.7791% | 5,390 |
| Total risk-based capital ratio | 13.0384% | 5,274 |
| Memoranda: | ||
| Average total assets | $3,512,437,000 | 249 |
| Average earning assets | $3,150,894,000 | 252 |
| Average equity | $480,135,500 | 217 |
| Average total loans | $2,521,316,000 | 243 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 3,675 |
| Cost of funding earning assets | 0.3391% | 4,376 |
| Net interest margin | 3.6759% | 3,098 |
| Noninterest income to average assets | 0.7947% | 1,899 |
| Noninterest expense to average assets | 3.0534% | 2,675 |
| Loan and lease loss provision to assets | 0.0079% | 4,468 |
| Net operating income to assets | 0.7261% | 3,764 |
| Return on assets (ROA) | 0.7421% | 3,770 |
| Pretax return on assets | 1.0327% | 3,377 |
| Return on Equity (ROE) | 5.3608% | 4,480 |
| Retained earnings to average equity (ytd only) | 0.9025% | 5,378 |
| Net charge-offs to loans | 0.3336% | 1,319 |
| Credit loss provision to net charge-offs | 3.2324% | 4,178 |
| Earnings coverage of net charge-offs (x) | 4.1638% | 3,721 |
| Efficiency ratio | 74.2990% | 2,787 |
| Assets per employee ($millions) | 6.5665% | 1,021 |
| Cash dividends to net income (ytd only)* | 83.1650% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2359% | 784 |
| Loan loss allowance to noncurrent loans | 130.6976% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.3927% | 2,001 |
| Noncurrent loans to loans | 1.7107% | 1,707 |
| Net loans and leases to total assets | 71.1979% | 2,046 |
| Net loans and leases to deposits | 85.0452% | 2,093 |
| Net loans and leases to core deposits | 87.3859% | 2,568 |
| Total domestic deposits to total assets | 83.7177% | 3,832 |
| Equity capital to assets | 13.7315% | 1,056 |
| Core capital (leverage) ratio | 9.3979% | 4,390 |
| Tier 1 risk-based capital ratio | 11.8530% | 5,461 |
| Total risk-based capital ratio | 13.1142% | 5,360 |
| Memoranda: | ||
| Average total assets | $3,402,754,800 | 245 |
| Average earning assets | $3,033,536,400 | 246 |
| Average equity | $471,027,200 | 208 |
| Average total loans | $2,494,552,800 | 229 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 3,678 |
| Cost of funding earning assets | 0.3339% | 4,528 |
| Net interest margin | 3.6876% | 3,077 |
| Noninterest income to average assets | 0.7993% | 1,897 |
| Noninterest expense to average assets | 3.0552% | 2,613 |
| Loan and lease loss provision to assets | 0.0116% | 4,188 |
| Net operating income to assets | 0.7226% | 3,826 |
| Return on assets (ROA) | 0.7272% | 3,906 |
| Pretax return on assets | 1.0237% | 3,503 |
| Return on Equity (ROE) | 5.2425% | 4,604 |
| Retained earnings to average equity (ytd only) | 0.1312% | 5,762 |
| Net charge-offs to loans | 0.3284% | 1,221 |
| Credit loss provision to net charge-offs | 4.8024% | 3,758 |
| Earnings coverage of net charge-offs (x) | 4.2667% | 3,495 |
| Efficiency ratio | 74.1163% | 2,805 |
| Assets per employee ($millions) | 6.5488% | 1,000 |
| Cash dividends to net income (ytd only)* | 97.4976% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2989% | 825 |
| Loan loss allowance to noncurrent loans | 134.0058% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.4423% | 2,139 |
| Noncurrent loans to loans | 1.7155% | 1,894 |
| Net loans and leases to total assets | 72.1178% | 1,827 |
| Net loans and leases to deposits | 87.7691% | 1,700 |
| Net loans and leases to core deposits | 90.2313% | 2,203 |
| Total domestic deposits to total assets | 82.1677% | 4,422 |
| Equity capital to assets | 13.6255% | 1,133 |
| Core capital (leverage) ratio | 9.5006% | 4,372 |
| Tier 1 risk-based capital ratio | 11.6272% | 5,718 |
| Total risk-based capital ratio | 12.8893% | 5,629 |
| Memoranda: | ||
| Average total assets | $3,385,019,750 | 243 |
| Average earning assets | $3,015,268,000 | 245 |
| Average equity | $469,536,500 | 208 |
| Average total loans | $2,485,751,000 | 227 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 3,550 |
| Cost of funding earning assets | 0.3312% | 4,631 |
| Net interest margin | 3.7174% | 2,890 |
| Noninterest income to average assets | 0.7990% | 1,840 |
| Noninterest expense to average assets | 3.0890% | 2,540 |
| Loan and lease loss provision to assets | 0.0163% | 3,932 |
| Net operating income to assets | 0.7180% | 3,738 |
| Return on assets (ROA) | 0.7250% | 3,797 |
| Pretax return on assets | 1.0088% | 3,444 |
| Return on Equity (ROE) | 5.1952% | 4,584 |
| Retained earnings to average equity (ytd only) | -0.3520% | 5,741 |
| Net charge-offs to loans | 0.3427% | 1,185 |
| Credit loss provision to net charge-offs | 6.4944% | 3,344 |
| Earnings coverage of net charge-offs (x) | 4.0415% | 3,185 |
| Efficiency ratio | 74.5666% | 2,879 |
| Assets per employee ($millions) | 6.4102% | 1,058 |
| Cash dividends to net income (ytd only)* | 106.7762% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4214% | 793 |
| Loan loss allowance to noncurrent loans | 128.2718% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.5624% | 2,088 |
| Noncurrent loans to loans | 1.8877% | 1,818 |
| Net loans and leases to total assets | 71.8272% | 1,775 |
| Net loans and leases to deposits | 87.8298% | 1,613 |
| Net loans and leases to core deposits | 90.3956% | 2,092 |
| Total domestic deposits to total assets | 81.7800% | 4,723 |
| Equity capital to assets | 13.8516% | 1,033 |
| Core capital (leverage) ratio | 9.5146% | 4,312 |
| Tier 1 risk-based capital ratio | 11.7576% | 5,660 |
| Total risk-based capital ratio | 13.0212% | 5,592 |
| Memoranda: | ||
| Average total assets | $3,358,591,000 | 243 |
| Average earning assets | $2,986,383,330 | 244 |
| Average equity | $468,706,000 | 208 |
| Average total loans | $2,461,944,670 | 225 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0724% | 3,388 |
| Cost of funding earning assets | 0.3215% | 4,840 |
| Net interest margin | 3.7509% | 2,672 |
| Noninterest income to average assets | 0.7327% | 2,024 |
| Noninterest expense to average assets | 3.1486% | 2,380 |
| Loan and lease loss provision to assets | 0.0284% | 3,456 |
| Net operating income to assets | 0.6531% | 3,937 |
| Return on assets (ROA) | 0.6471% | 4,056 |
| Pretax return on assets | 0.8871% | 3,752 |
| Return on Equity (ROE) | 4.6196% | 4,732 |
| Retained earnings to average equity (ytd only) | -0.9441% | 5,719 |
| Net charge-offs to loans | 0.3265% | 1,088 |
| Credit loss provision to net charge-offs | 11.8976% | 2,592 |
| Earnings coverage of net charge-offs (x) | 3.8670% | 2,609 |
| Efficiency ratio | 76.6150% | 2,712 |
| Assets per employee ($millions) | 6.2959% | 1,117 |
| Cash dividends to net income (ytd only)* | 120.4373% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5347% | 781 |
| Loan loss allowance to noncurrent loans | 129.3469% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 1.6575% | 2,132 |
| Noncurrent loans to loans | 1.9596% | 1,918 |
| Net loans and leases to total assets | 71.6276% | 1,626 |
| Net loans and leases to deposits | 86.6250% | 1,518 |
| Net loans and leases to core deposits | 89.2703% | 1,979 |
| Total domestic deposits to total assets | 82.6870% | 4,720 |
| Equity capital to assets | 13.8846% | 959 |
| Core capital (leverage) ratio | 9.5799% | 4,162 |
| Tier 1 risk-based capital ratio | 11.9639% | 5,666 |
| Total risk-based capital ratio | 13.3693% | 5,493 |
| Memoranda: | ||
| Average total assets | $3,335,969,000 | 243 |
| Average earning assets | $2,970,029,500 | 243 |
| Average equity | $467,316,000 | 212 |
| Average total loans | $2,440,142,500 | 228 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2031% | 3,340 |
| Cost of funding earning assets | 0.3493% | 5,141 |
| Net interest margin | 3.8538% | 2,462 |
| Noninterest income to average assets | 0.7915% | 2,119 |
| Noninterest expense to average assets | 2.9933% | 3,078 |
| Loan and lease loss provision to assets | 0.2103% | 1,756 |
| Net operating income to assets | 0.7904% | 3,339 |
| Return on assets (ROA) | 0.8001% | 3,392 |
| Pretax return on assets | 1.0165% | 3,285 |
| Return on Equity (ROE) | 5.6548% | 4,301 |
| Retained earnings to average equity (ytd only) | 1.5659% | 5,109 |
| Net charge-offs to loans | 0.9873% | 597 |
| Credit loss provision to net charge-offs | 29.9674% | 4,253 |
| Earnings coverage of net charge-offs (x) | 1.7306% | 4,470 |
| Efficiency ratio | 70.3771% | 3,778 |
| Assets per employee ($millions) | 5.9843% | 1,281 |
| Cash dividends to net income (ytd only)* | 72.3082% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6920% | 667 |
| Loan loss allowance to noncurrent loans | 145.6999% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 1.5544% | 2,396 |
| Noncurrent loans to loans | 1.8476% | 2,177 |
| Net loans and leases to total assets | 70.8349% | 1,872 |
| Net loans and leases to deposits | 85.4179% | 1,760 |
| Net loans and leases to core deposits | 87.9331% | 2,253 |
| Total domestic deposits to total assets | 82.9274% | 4,566 |
| Equity capital to assets | 14.1351% | 864 |
| Core capital (leverage) ratio | 9.6128% | 4,102 |
| Tier 1 risk-based capital ratio | 12.3829% | 5,368 |
| Total risk-based capital ratio | 13.7944% | 5,218 |
| Memoranda: | ||
| Average total assets | $3,318,840,200 | 232 |
| Average earning assets | $2,942,123,600 | 233 |
| Average equity | $469,563,200 | 205 |
| Average total loans | $2,359,119,800 | 222 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 3,387 |
| Cost of funding earning assets | 0.3565% | 5,237 |
| Net interest margin | 3.8451% | 2,483 |
| Noninterest income to average assets | 0.7925% | 2,183 |
| Noninterest expense to average assets | 2.9524% | 3,135 |
| Loan and lease loss provision to assets | 0.2687% | 1,312 |
| Net operating income to assets | 0.7590% | 3,564 |
| Return on assets (ROA) | 0.7717% | 3,629 |
| Pretax return on assets | 0.9918% | 3,535 |
| Return on Equity (ROE) | 5.4530% | 4,492 |
| Retained earnings to average equity (ytd only) | 1.7119% | 5,284 |
| Net charge-offs to loans | 1.0517% | 540 |
| Credit loss provision to net charge-offs | 36.1615% | 3,787 |
| Earnings coverage of net charge-offs (x) | 1.6743% | 4,281 |
| Efficiency ratio | 69.5925% | 3,819 |
| Assets per employee ($millions) | 6.0722% | 1,190 |
| Cash dividends to net income (ytd only)* | 68.6071% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8529% | 644 |
| Loan loss allowance to noncurrent loans | 132.6327% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 1.7584% | 2,329 |
| Noncurrent loans to loans | 2.1510% | 2,064 |
| Net loans and leases to total assets | 69.9442% | 1,981 |
| Net loans and leases to deposits | 85.3735% | 1,695 |
| Net loans and leases to core deposits | 87.6965% | 2,223 |
| Total domestic deposits to total assets | 81.9274% | 4,957 |
| Equity capital to assets | 13.8895% | 996 |
| Core capital (leverage) ratio | 9.6107% | 4,227 |
| Tier 1 risk-based capital ratio | 12.1410% | 5,689 |
| Total risk-based capital ratio | 13.5530% | 5,514 |
| Memoranda: | ||
| Average total assets | $3,324,211,750 | 229 |
| Average earning assets | $2,943,018,000 | 228 |
| Average equity | $470,432,750 | 202 |
| Average total loans | $2,348,826,750 | 217 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2064% | 3,344 |
| Cost of funding earning assets | 0.3649% | 5,268 |
| Net interest margin | 3.8415% | 2,405 |
| Noninterest income to average assets | 0.7965% | 2,202 |
| Noninterest expense to average assets | 2.9497% | 3,167 |
| Loan and lease loss provision to assets | 0.3886% | 817 |
| Net operating income to assets | 0.6866% | 3,869 |
| Return on assets (ROA) | 0.7010% | 3,981 |
| Pretax return on assets | 0.8747% | 4,010 |
| Return on Equity (ROE) | 4.9226% | 4,766 |
| Retained earnings to average equity (ytd only) | 1.4443% | 5,297 |
| Net charge-offs to loans | 1.3381% | 422 |
| Credit loss provision to net charge-offs | 41.3645% | 3,387 |
| Earnings coverage of net charge-offs (x) | 1.3255% | 4,100 |
| Efficiency ratio | 69.5533% | 3,916 |
| Assets per employee ($millions) | 5.9621% | 1,229 |
| Cash dividends to net income (ytd only)* | 70.6592% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0461% | 558 |
| Loan loss allowance to noncurrent loans | 146.9819% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 1.7063% | 2,548 |
| Noncurrent loans to loans | 2.0724% | 2,308 |
| Net loans and leases to total assets | 69.0727% | 2,056 |
| Net loans and leases to deposits | 83.1802% | 1,902 |
| Net loans and leases to core deposits | 85.9416% | 2,337 |
| Total domestic deposits to total assets | 83.0398% | 4,686 |
| Equity capital to assets | 14.1150% | 935 |
| Core capital (leverage) ratio | 9.6013% | 4,078 |
| Tier 1 risk-based capital ratio | 12.4253% | 5,550 |
| Total risk-based capital ratio | 13.8438% | 5,375 |
| Memoranda: | ||
| Average total assets | $3,310,941,000 | 228 |
| Average earning assets | $2,929,074,670 | 227 |
| Average equity | $471,495,000 | 202 |
| Average total loans | $2,324,422,330 | 215 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 3,230 |
| Cost of funding earning assets | 0.3734% | 5,336 |
| Net interest margin | 3.8423% | 2,313 |
| Noninterest income to average assets | 0.7158% | 2,503 |
| Noninterest expense to average assets | 2.8620% | 3,497 |
| Loan and lease loss provision to assets | 0.5390% | 497 |
| Net operating income to assets | 0.5947% | 4,246 |
| Return on assets (ROA) | 0.6220% | 4,266 |
| Pretax return on assets | 0.7389% | 4,412 |
| Return on Equity (ROE) | 4.3486% | 4,925 |
| Retained earnings to average equity (ytd only) | 2.4065% | 4,825 |
| Net charge-offs to loans | 1.3338% | 419 |
| Credit loss provision to net charge-offs | 57.9912% | 2,485 |
| Earnings coverage of net charge-offs (x) | 1.3399% | 3,384 |
| Efficiency ratio | 68.8994% | 4,160 |
| Assets per employee ($millions) | 5.9659% | 1,277 |
| Cash dividends to net income (ytd only)* | 44.6602% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3418% | 480 |
| Loan loss allowance to noncurrent loans | 132.4864% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 2.0352% | 2,297 |
| Noncurrent loans to loans | 2.5224% | 2,045 |
| Net loans and leases to total assets | 68.2382% | 1,965 |
| Net loans and leases to deposits | 82.4902% | 1,766 |
| Net loans and leases to core deposits | 85.2954% | 2,181 |
| Total domestic deposits to total assets | 82.7228% | 4,943 |
| Equity capital to assets | 14.4104% | 904 |
| Core capital (leverage) ratio | 9.6180% | 3,889 |
| Tier 1 risk-based capital ratio | 12.4352% | 5,621 |
| Total risk-based capital ratio | 14.0059% | 5,346 |
| Memoranda: | ||
| Average total assets | $3,311,924,000 | 231 |
| Average earning assets | $2,923,435,500 | 229 |
| Average equity | $473,711,500 | 205 |
| Average total loans | $2,307,931,000 | 220 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 3,236 |
| Cost of funding earning assets | 0.4879% | 5,299 |
| Net interest margin | 4.0533% | 2,180 |
| Noninterest income to average assets | 0.8847% | 1,916 |
| Noninterest expense to average assets | 2.8092% | 3,988 |
| Loan and lease loss provision to assets | 1.0392% | 380 |
| Net operating income to assets | 0.4734% | 4,788 |
| Return on assets (ROA) | 0.4789% | 5,014 |
| Pretax return on assets | 0.6196% | 4,934 |
| Return on Equity (ROE) | 3.4254% | 5,378 |
| Retained earnings to average equity (ytd only) | 1.2979% | 5,221 |
| Net charge-offs to loans | 1.9982% | 363 |
| Credit loss provision to net charge-offs | 75.2045% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.1953% | 4,862 |
| Efficiency ratio | 62.1904% | 5,204 |
| Assets per employee ($millions) | 6.0012% | 1,275 |
| Cash dividends to net income (ytd only)* | 62.1079% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5324% | 413 |
| Loan loss allowance to noncurrent loans | 120.6497% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 2.3397% | 2,099 |
| Noncurrent loans to loans | 2.9278% | 1,788 |
| Net loans and leases to total assets | 66.3541% | 2,475 |
| Net loans and leases to deposits | 80.3715% | 2,234 |
| Net loans and leases to core deposits | 82.9590% | 2,671 |
| Total domestic deposits to total assets | 82.5592% | 4,908 |
| Equity capital to assets | 14.1972% | 972 |
| Core capital (leverage) ratio | 9.4641% | 4,161 |
| Tier 1 risk-based capital ratio | 12.5041% | 5,478 |
| Total risk-based capital ratio | 14.0808% | 5,168 |
| Memoranda: | ||
| Average total assets | $3,361,924,600 | 230 |
| Average earning assets | $2,966,155,800 | 228 |
| Average equity | $470,050,200 | 203 |
| Average total loans | $2,324,938,400 | 211 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 3,195 |
| Cost of funding earning assets | 0.5103% | 5,373 |
| Net interest margin | 4.0903% | 2,122 |
| Noninterest income to average assets | 0.8721% | 1,932 |
| Noninterest expense to average assets | 2.7856% | 4,033 |
| Loan and lease loss provision to assets | 1.1788% | 311 |
| Net operating income to assets | 0.4202% | 5,163 |
| Return on assets (ROA) | 0.4229% | 5,389 |
| Pretax return on assets | 0.5217% | 5,402 |
| Return on Equity (ROE) | 3.0362% | 5,666 |
| Retained earnings to average equity (ytd only) | 1.0477% | 5,750 |
| Net charge-offs to loans | 2.0759% | 335 |
| Credit loss provision to net charge-offs | 82.0043% | 3,558 |
| Earnings coverage of net charge-offs (x) | 1.1806% | 4,707 |
| Efficiency ratio | 61.3628% | 5,250 |
| Assets per employee ($millions) | 6.0005% | 1,251 |
| Cash dividends to net income (ytd only)* | 65.4940% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7313% | 382 |
| Loan loss allowance to noncurrent loans | 133.8173% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 2.2517% | 2,369 |
| Noncurrent loans to loans | 2.7884% | 2,019 |
| Net loans and leases to total assets | 66.5548% | 2,551 |
| Net loans and leases to deposits | 80.3328% | 2,340 |
| Net loans and leases to core deposits | 83.5054% | 2,759 |
| Total domestic deposits to total assets | 82.8489% | 4,708 |
| Equity capital to assets | 14.1611% | 1,095 |
| Core capital (leverage) ratio | 9.2003% | 4,761 |
| Tier 1 risk-based capital ratio | 12.2374% | 5,808 |
| Total risk-based capital ratio | 13.8182% | 5,551 |
| Memoranda: | ||
| Average total assets | $3,369,737,250 | 229 |
| Average earning assets | $2,974,572,500 | 228 |
| Average equity | $469,347,250 | 206 |
| Average total loans | $2,333,431,500 | 212 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 3,214 |
| Cost of funding earning assets | 0.5359% | 5,400 |
| Net interest margin | 4.0982% | 2,104 |
| Noninterest income to average assets | 0.8461% | 1,983 |
| Noninterest expense to average assets | 2.7662% | 4,151 |
| Loan and lease loss provision to assets | 1.2754% | 313 |
| Net operating income to assets | 0.3517% | 5,423 |
| Return on assets (ROA) | 0.3560% | 5,622 |
| Pretax return on assets | 0.4127% | 5,680 |
| Return on Equity (ROE) | 2.5702% | 5,855 |
| Retained earnings to average equity (ytd only) | 2.5702% | 4,904 |
| Net charge-offs to loans | 2.6915% | 243 |
| Credit loss provision to net charge-offs | 68.3935% | 3,605 |
| Earnings coverage of net charge-offs (x) | 0.9026% | 4,590 |
| Efficiency ratio | 61.3910% | 5,351 |
| Assets per employee ($millions) | 6.0450% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5754% | 469 |
| Loan loss allowance to noncurrent loans | 116.6594% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 2.4703% | 2,259 |
| Noncurrent loans to loans | 3.0648% | 1,917 |
| Net loans and leases to total assets | 66.6602% | 2,535 |
| Net loans and leases to deposits | 80.5923% | 2,301 |
| Net loans and leases to core deposits | 84.1764% | 2,667 |
| Total domestic deposits to total assets | 82.7128% | 4,872 |
| Equity capital to assets | 14.1308% | 1,040 |
| Core capital (leverage) ratio | 9.3929% | 4,308 |
| Tier 1 risk-based capital ratio | 12.3797% | 5,662 |
| Total risk-based capital ratio | 13.9544% | 5,384 |
| Memoranda: | ||
| Average total assets | $3,382,894,000 | 230 |
| Average earning assets | $2,974,206,670 | 229 |
| Average equity | $468,595,000 | 204 |
| Average total loans | $2,343,788,000 | 210 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 3,176 |
| Cost of funding earning assets | 0.5639% | 5,400 |
| Net interest margin | 4.1039% | 2,076 |
| Noninterest income to average assets | 0.8087% | 2,122 |
| Noninterest expense to average assets | 2.7321% | 4,310 |
| Loan and lease loss provision to assets | 1.2466% | 297 |
| Net operating income to assets | 0.3176% | 5,601 |
| Return on assets (ROA) | 0.3236% | 5,744 |
| Pretax return on assets | 0.4375% | 5,623 |
| Return on Equity (ROE) | 2.3591% | 5,960 |
| Retained earnings to average equity (ytd only) | 2.3591% | 5,082 |
| Net charge-offs to loans | 1.9608% | 487 |
| Credit loss provision to net charge-offs | 91.6667% | 2,518 |
| Earnings coverage of net charge-offs (x) | 1.2325% | 3,719 |
| Efficiency ratio | 61.1936% | 5,423 |
| Assets per employee ($millions) | 6.1984% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8853% | 406 |
| Loan loss allowance to noncurrent loans | 91.4289% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 3.2310% | 1,787 |
| Noncurrent loans to loans | 4.2496% | 1,414 |
| Net loans and leases to total assets | 66.5024% | 2,376 |
| Net loans and leases to deposits | 80.4939% | 2,145 |
| Net loans and leases to core deposits | 84.2685% | 2,516 |
| Total domestic deposits to total assets | 82.6179% | 5,071 |
| Equity capital to assets | 13.7765% | 1,102 |
| Core capital (leverage) ratio | 9.1112% | 4,670 |
| Tier 1 risk-based capital ratio | 12.0409% | 5,930 |
| Total risk-based capital ratio | 13.7618% | 5,558 |
| Memoranda: | ||
| Average total assets | $3,405,931,500 | 229 |
| Average earning assets | $2,987,314,500 | 226 |
| Average equity | $467,133,000 | 202 |
| Average total loans | $2,362,278,500 | 207 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 3,527 |
| Cost of funding earning assets | 0.6974% | 5,558 |
| Net interest margin | 4.1663% | 2,172 |
| Noninterest income to average assets | 0.8410% | 1,878 |
| Noninterest expense to average assets | 2.7247% | 4,645 |
| Loan and lease loss provision to assets | 2.0935% | 266 |
| Net operating income to assets | -0.1544% | 6,210 |
| Return on assets (ROA) | -0.1218% | 6,256 |
| Pretax return on assets | -0.2340% | 6,309 |
| Return on Equity (ROE) | -0.9130% | 6,237 |
| Retained earnings to average equity (ytd only) | -0.9130% | 5,989 |
| Net charge-offs to loans | 1.8153% | 808 |
| Credit loss provision to net charge-offs | 164.9342% | 1,649 |
| Earnings coverage of net charge-offs (x) | 1.4248% | 4,700 |
| Efficiency ratio | 59.0822% | 5,891 |
| Assets per employee ($millions) | 6.0335% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9006% | 406 |
| Loan loss allowance to noncurrent loans | 92.6554% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 3.1169% | 1,915 |
| Noncurrent loans to loans | 4.2098% | 1,459 |
| Net loans and leases to total assets | 66.8127% | 2,625 |
| Net loans and leases to deposits | 80.8782% | 2,379 |
| Net loans and leases to core deposits | 84.7585% | 2,777 |
| Total domestic deposits to total assets | 82.6091% | 4,919 |
| Equity capital to assets | 13.6542% | 1,191 |
| Core capital (leverage) ratio | 8.6673% | 5,296 |
| Tier 1 risk-based capital ratio | 11.2954% | 6,294 |
| Total risk-based capital ratio | 13.0044% | 5,975 |
| Memoranda: | ||
| Average total assets | $3,436,449,000 | 223 |
| Average earning assets | $3,045,424,600 | 219 |
| Average equity | $458,502,400 | 194 |
| Average total loans | $2,402,845,400 | 205 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 3,544 |
| Cost of funding earning assets | 0.7242% | 5,631 |
| Net interest margin | 4.1774% | 2,183 |
| Noninterest income to average assets | 0.9682% | 1,425 |
| Noninterest expense to average assets | 2.8701% | 4,059 |
| Loan and lease loss provision to assets | 2.3147% | 207 |
| Net operating income to assets | -0.2673% | 6,454 |
| Return on assets (ROA) | -0.2600% | 6,519 |
| Pretax return on assets | -0.4844% | 6,610 |
| Return on Equity (ROE) | -1.9245% | 6,475 |
| Retained earnings to average equity (ytd only) | -1.9245% | 6,288 |
| Net charge-offs to loans | 2.3261% | 502 |
| Credit loss provision to net charge-offs | 138.5012% | 2,301 |
| Earnings coverage of net charge-offs (x) | 1.0883% | 4,814 |
| Efficiency ratio | 60.1617% | 5,693 |
| Assets per employee ($millions) | 5.6020% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0191% | 388 |
| Loan loss allowance to noncurrent loans | 78.3746% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 3.9812% | 1,535 |
| Noncurrent loans to loans | 5.1281% | 1,195 |
| Net loans and leases to total assets | 68.5760% | 2,361 |
| Net loans and leases to deposits | 82.3772% | 2,285 |
| Net loans and leases to core deposits | 87.3582% | 2,578 |
| Total domestic deposits to total assets | 83.2463% | 4,588 |
| Equity capital to assets | 13.5881% | 1,334 |
| Core capital (leverage) ratio | 9.2777% | 4,488 |
| Tier 1 risk-based capital ratio | 11.8114% | 6,027 |
| Total risk-based capital ratio | 13.5623% | 5,644 |
| Memoranda: | ||
| Average total assets | $2,071,648,750 | 333 |
| Average earning assets | $1,845,226,750 | 339 |
| Average equity | $279,892,250 | 277 |
| Average total loans | $1,488,459,000 | 306 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9345% | 3,470 |
| Cost of funding earning assets | 0.7520% | 5,655 |
| Net interest margin | 4.1825% | 2,110 |
| Noninterest income to average assets | 0.9752% | 1,394 |
| Noninterest expense to average assets | 2.8712% | 4,140 |
| Loan and lease loss provision to assets | 1.8509% | 352 |
| Net operating income to assets | -0.0035% | 6,232 |
| Return on assets (ROA) | 0.0075% | 6,288 |
| Pretax return on assets | -0.0029% | 6,273 |
| Return on Equity (ROE) | 0.0559% | 6,293 |
| Retained earnings to average equity (ytd only) | 0.0559% | 5,813 |
| Net charge-offs to loans | 2.4662% | 487 |
| Credit loss provision to net charge-offs | 104.2643% | 2,964 |
| Earnings coverage of net charge-offs (x) | 1.0313% | 4,518 |
| Efficiency ratio | 59.8201% | 5,900 |
| Assets per employee ($millions) | 5.5123% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3898% | 654 |
| Loan loss allowance to noncurrent loans | 75.5345% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 3.6067% | 1,819 |
| Noncurrent loans to loans | 4.4878% | 1,482 |
| Net loans and leases to total assets | 70.4861% | 2,117 |
| Net loans and leases to deposits | 84.7924% | 1,977 |
| Net loans and leases to core deposits | 90.2199% | 2,348 |
| Total domestic deposits to total assets | 83.1279% | 4,706 |
| Equity capital to assets | 13.8152% | 1,161 |
| Core capital (leverage) ratio | 9.1966% | 4,412 |
| Tier 1 risk-based capital ratio | 11.8445% | 5,900 |
| Total risk-based capital ratio | 13.5896% | 5,466 |
| Memoranda: | ||
| Average total assets | $2,071,288,670 | 341 |
| Average earning assets | $1,845,582,670 | 341 |
| Average equity | $279,308,330 | 277 |
| Average total loans | $1,490,973,670 | 308 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 3,623 |
| Cost of funding earning assets | 0.7773% | 5,692 |
| Net interest margin | 4.1163% | 2,208 |
| Noninterest income to average assets | 0.9532% | 1,456 |
| Noninterest expense to average assets | 2.8629% | 4,222 |
| Loan and lease loss provision to assets | 1.9140% | 293 |
| Net operating income to assets | -0.1294% | 6,488 |
| Return on assets (ROA) | -0.1024% | 6,480 |
| Pretax return on assets | -0.1192% | 6,466 |
| Return on Equity (ROE) | -0.7685% | 6,459 |
| Retained earnings to average equity (ytd only) | -0.7685% | 5,938 |
| Net charge-offs to loans | 2.2700% | 528 |
| Credit loss provision to net charge-offs | 117.9106% | 2,301 |
| Earnings coverage of net charge-offs (x) | 1.0863% | 3,853 |
| Efficiency ratio | 60.6305% | 5,884 |
| Assets per employee ($millions) | 5.6037% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4306% | 645 |
| Loan loss allowance to noncurrent loans | 75.8252% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 3.5875% | 1,897 |
| Noncurrent loans to loans | 4.5244% | 1,543 |
| Net loans and leases to total assets | 69.2954% | 2,267 |
| Net loans and leases to deposits | 82.5869% | 2,254 |
| Net loans and leases to core deposits | 87.8224% | 2,623 |
| Total domestic deposits to total assets | 83.9061% | 4,525 |
| Equity capital to assets | 13.4242% | 1,213 |
| Core capital (leverage) ratio | 9.0589% | 4,512 |
| Tier 1 risk-based capital ratio | 11.6999% | 5,939 |
| Total risk-based capital ratio | 13.5973% | 5,392 |
| Memoranda: | ||
| Average total assets | $2,089,906,000 | 339 |
| Average earning assets | $1,864,893,500 | 336 |
| Average equity | $278,458,500 | 274 |
| Average total loans | $1,494,444,500 | 310 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1230% | 3,989 |
| Cost of funding earning assets | 1.0295% | 5,534 |
| Net interest margin | 4.0935% | 2,594 |
| Noninterest income to average assets | 0.9361% | 1,719 |
| Noninterest expense to average assets | 2.8052% | 4,586 |
| Loan and lease loss provision to assets | 2.5389% | 431 |
| Net operating income to assets | -0.4063% | 6,318 |
| Return on assets (ROA) | -0.3579% | 6,300 |
| Pretax return on assets | -0.6683% | 6,437 |
| Return on Equity (ROE) | -2.7906% | 6,261 |
| Retained earnings to average equity (ytd only) | -2.7906% | 6,081 |
| Net charge-offs to loans | 2.0968% | 952 |
| Credit loss provision to net charge-offs | 165.8897% | 2,063 |
| Earnings coverage of net charge-offs (x) | 1.1728% | 4,934 |
| Efficiency ratio | 59.6886% | 6,091 |
| Assets per employee ($millions) | 5.6777% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2991% | 684 |
| Loan loss allowance to noncurrent loans | 74.9686% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 3.4243% | 2,040 |
| Noncurrent loans to loans | 4.4006% | 1,626 |
| Net loans and leases to total assets | 68.9112% | 2,767 |
| Net loans and leases to deposits | 83.3973% | 2,552 |
| Net loans and leases to core deposits | 89.0021% | 2,901 |
| Total domestic deposits to total assets | 82.6301% | 4,959 |
| Equity capital to assets | 13.2254% | 1,288 |
| Core capital (leverage) ratio | 8.7813% | 4,883 |
| Tier 1 risk-based capital ratio | 11.5107% | 5,902 |
| Total risk-based capital ratio | 13.3954% | 5,319 |
| Memoranda: | ||
| Average total assets | $2,105,196,400 | 334 |
| Average earning assets | $1,884,320,800 | 330 |
| Average equity | $269,980,800 | 279 |
| Average total loans | $1,536,589,000 | 307 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1500% | 4,079 |
| Cost of funding earning assets | 1.0573% | 5,665 |
| Net interest margin | 4.0927% | 2,657 |
| Noninterest income to average assets | 0.9314% | 1,681 |
| Noninterest expense to average assets | 2.7530% | 4,673 |
| Loan and lease loss provision to assets | 2.6242% | 381 |
| Net operating income to assets | -0.4290% | 6,543 |
| Return on assets (ROA) | -0.3749% | 6,541 |
| Pretax return on assets | -0.6943% | 6,678 |
| Return on Equity (ROE) | -2.9466% | 6,484 |
| Retained earnings to average equity (ytd only) | -2.9466% | 6,342 |
| Net charge-offs to loans | 2.1050% | 878 |
| Credit loss provision to net charge-offs | 169.7869% | 2,191 |
| Earnings coverage of net charge-offs (x) | 1.1940% | 4,872 |
| Efficiency ratio | 58.5757% | 6,178 |
| Assets per employee ($millions) | 5.7430% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9582% | 854 |
| Loan loss allowance to noncurrent loans | 62.1031% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 3.6844% | 1,937 |
| Noncurrent loans to loans | 4.7633% | 1,479 |
| Net loans and leases to total assets | 69.7784% | 2,785 |
| Net loans and leases to deposits | 84.4671% | 2,625 |
| Net loans and leases to core deposits | 89.6524% | 3,149 |
| Total domestic deposits to total assets | 82.6102% | 4,748 |
| Equity capital to assets | 12.9495% | 1,603 |
| Core capital (leverage) ratio | 8.5599% | 5,406 |
| Tier 1 risk-based capital ratio | 10.9406% | 6,432 |
| Total risk-based capital ratio | 12.8138% | 5,854 |
| Memoranda: | ||
| Average total assets | $2,104,885,750 | 333 |
| Average earning assets | $1,885,923,250 | 330 |
| Average equity | $267,830,000 | 274 |
| Average total loans | $1,545,462,500 | 308 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2116% | 3,889 |
| Cost of funding earning assets | 1.0708% | 5,821 |
| Net interest margin | 4.1408% | 2,375 |
| Noninterest income to average assets | 0.9130% | 1,647 |
| Noninterest expense to average assets | 2.7405% | 4,737 |
| Loan and lease loss provision to assets | 2.8097% | 369 |
| Net operating income to assets | -0.5371% | 6,684 |
| Return on assets (ROA) | -0.4683% | 6,659 |
| Pretax return on assets | -0.8134% | 6,790 |
| Return on Equity (ROE) | -3.7022% | 6,591 |
| Retained earnings to average equity (ytd only) | -3.7022% | 6,404 |
| Net charge-offs to loans | 2.5495% | 668 |
| Credit loss provision to net charge-offs | 149.0535% | 2,649 |
| Earnings coverage of net charge-offs (x) | 1.0019% | 4,785 |
| Efficiency ratio | 57.9101% | 6,389 |
| Assets per employee ($millions) | 5.7230% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4692% | 1,337 |
| Loan loss allowance to noncurrent loans | 53.7546% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 3.5972% | 1,952 |
| Noncurrent loans to loans | 4.5935% | 1,572 |
| Net loans and leases to total assets | 70.6607% | 2,758 |
| Net loans and leases to deposits | 85.1553% | 2,671 |
| Net loans and leases to core deposits | 91.0543% | 3,115 |
| Total domestic deposits to total assets | 82.9786% | 4,586 |
| Equity capital to assets | 12.7010% | 1,681 |
| Core capital (leverage) ratio | 8.3819% | 5,609 |
| Tier 1 risk-based capital ratio | 10.4964% | 6,688 |
| Total risk-based capital ratio | 12.3610% | 6,114 |
| Memoranda: | ||
| Average total assets | $2,096,291,670 | 332 |
| Average earning assets | $1,881,260,000 | 329 |
| Average equity | $265,136,670 | 275 |
| Average total loans | $1,549,927,670 | 303 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3033% | 3,533 |
| Cost of funding earning assets | 1.0930% | 5,946 |
| Net interest margin | 4.2103% | 1,999 |
| Noninterest income to average assets | 0.8402% | 1,843 |
| Noninterest expense to average assets | 2.8177% | 4,423 |
| Loan and lease loss provision to assets | 2.0165% | 549 |
| Net operating income to assets | -0.0725% | 6,402 |
| Return on assets (ROA) | -0.0250% | 6,428 |
| Pretax return on assets | -0.1314% | 6,492 |
| Return on Equity (ROE) | -0.1978% | 6,431 |
| Retained earnings to average equity (ytd only) | -0.1978% | 5,873 |
| Net charge-offs to loans | 1.1377% | 1,479 |
| Credit loss provision to net charge-offs | 237.2881% | 1,615 |
| Earnings coverage of net charge-offs (x) | 2.1308% | 3,470 |
| Efficiency ratio | 59.5784% | 6,248 |
| Assets per employee ($millions) | 5.5718% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2067% | 1,739 |
| Loan loss allowance to noncurrent loans | 48.9162% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 3.4973% | 2,011 |
| Noncurrent loans to loans | 4.5111% | 1,659 |
| Net loans and leases to total assets | 73.4835% | 2,086 |
| Net loans and leases to deposits | 88.2842% | 2,178 |
| Net loans and leases to core deposits | 94.9639% | 2,703 |
| Total domestic deposits to total assets | 83.2352% | 4,507 |
| Equity capital to assets | 12.6934% | 1,660 |
| Core capital (leverage) ratio | 8.1709% | 5,961 |
| Tier 1 risk-based capital ratio | 10.1282% | 6,948 |
| Total risk-based capital ratio | 12.1386% | 6,236 |
| Memoranda: | ||
| Average total assets | $2,082,819,500 | 342 |
| Average earning assets | $1,874,088,000 | 339 |
| Average equity | $262,869,000 | 285 |
| Average total loans | $1,555,753,000 | 311 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5357% | 3,951 |
| Cost of funding earning assets | 1.4186% | 5,849 |
| Net interest margin | 4.1171% | 2,376 |
| Noninterest income to average assets | 0.8520% | 2,170 |
| Noninterest expense to average assets | 2.6803% | 5,482 |
| Loan and lease loss provision to assets | 1.4039% | 1,634 |
| Net operating income to assets | 0.3793% | 4,210 |
| Return on assets (ROA) | 0.4081% | 4,206 |
| Pretax return on assets | 0.5087% | 4,160 |
| Return on Equity (ROE) | 3.3855% | 4,342 |
| Retained earnings to average equity (ytd only) | 1.5906% | 3,967 |
| Net charge-offs to loans | 1.5590% | 1,617 |
| Credit loss provision to net charge-offs | 119.1302% | 4,510 |
| Earnings coverage of net charge-offs (x) | 1.5924% | 4,547 |
| Efficiency ratio | 57.4529% | 6,839 |
| Assets per employee ($millions) | 5.5663% | 1,591 |
| Cash dividends to net income (ytd only)* | 53.0160% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8206% | 2,478 |
| Loan loss allowance to noncurrent loans | 44.3547% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 3.1242% | 2,215 |
| Noncurrent loans to loans | 4.1047% | 1,793 |
| Net loans and leases to total assets | 72.9000% | 2,532 |
| Net loans and leases to deposits | 88.5571% | 2,460 |
| Net loans and leases to core deposits | 107.4029% | 3,173 |
| Total domestic deposits to total assets | 82.3197% | 4,807 |
| Equity capital to assets | 12.5490% | 1,725 |
| Core capital (leverage) ratio | 8.1200% | 5,958 |
| Tier 1 risk-based capital ratio | 10.0911% | 6,796 |
| Total risk-based capital ratio | 12.0951% | 6,041 |
| Memoranda: | ||
| Average total assets | $2,079,980,200 | 342 |
| Average earning assets | $1,871,708,000 | 337 |
| Average equity | $250,718,600 | 284 |
| Average total loans | $1,572,211,400 | 321 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5432% | 4,197 |
| Cost of funding earning assets | 1.4800% | 5,912 |
| Net interest margin | 4.0632% | 2,538 |
| Noninterest income to average assets | 0.8511% | 2,193 |
| Noninterest expense to average assets | 2.6482% | 5,532 |
| Loan and lease loss provision to assets | 1.2969% | 1,484 |
| Net operating income to assets | 0.4329% | 4,266 |
| Return on assets (ROA) | 0.4628% | 4,253 |
| Pretax return on assets | 0.6016% | 4,180 |
| Return on Equity (ROE) | 3.8793% | 4,429 |
| Retained earnings to average equity (ytd only) | 1.4574% | 4,498 |
| Net charge-offs to loans | 1.6007% | 1,274 |
| Credit loss provision to net charge-offs | 106.7089% | 4,766 |
| Earnings coverage of net charge-offs (x) | 1.5301% | 4,636 |
| Efficiency ratio | 57.3640% | 6,814 |
| Assets per employee ($millions) | 5.5638% | 1,556 |
| Cash dividends to net income (ytd only)* | 62.4306% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 3,135 |
| Loan loss allowance to noncurrent loans | 40.5367% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 2.9705% | 2,329 |
| Noncurrent loans to loans | 3.8658% | 1,918 |
| Net loans and leases to total assets | 74.4879% | 2,387 |
| Net loans and leases to deposits | 93.7851% | 1,916 |
| Net loans and leases to core deposits | 114.1951% | 2,811 |
| Total domestic deposits to total assets | 79.4240% | 5,650 |
| Equity capital to assets | 12.1847% | 2,132 |
| Core capital (leverage) ratio | 7.6708% | 6,769 |
| Tier 1 risk-based capital ratio | 9.3922% | 7,439 |
| Total risk-based capital ratio | 11.3854% | 6,791 |
| Memoranda: | ||
| Average total assets | $2,076,744,500 | 352 |
| Average earning assets | $1,868,966,500 | 352 |
| Average equity | $247,738,250 | 298 |
| Average total loans | $1,576,756,000 | 332 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5445% | 4,364 |
| Cost of funding earning assets | 1.5175% | 6,066 |
| Net interest margin | 4.0270% | 2,593 |
| Noninterest income to average assets | 0.8646% | 2,126 |
| Noninterest expense to average assets | 2.6873% | 5,430 |
| Loan and lease loss provision to assets | 1.0803% | 1,586 |
| Net operating income to assets | 0.5241% | 4,005 |
| Return on assets (ROA) | 0.5641% | 3,942 |
| Pretax return on assets | 0.7687% | 3,780 |
| Return on Equity (ROE) | 4.7627% | 4,180 |
| Retained earnings to average equity (ytd only) | 1.0978% | 4,722 |
| Net charge-offs to loans | 1.3580% | 1,376 |
| Credit loss provision to net charge-offs | 104.6631% | 4,391 |
| Earnings coverage of net charge-offs (x) | 1.7384% | 4,249 |
| Efficiency ratio | 58.5679% | 6,755 |
| Assets per employee ($millions) | 5.6131% | 1,490 |
| Cash dividends to net income (ytd only)* | 76.9494% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 3,189 |
| Loan loss allowance to noncurrent loans | 36.6189% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 3.0929% | 2,031 |
| Noncurrent loans to loans | 4.0987% | 1,631 |
| Net loans and leases to total assets | 74.0965% | 2,676 |
| Net loans and leases to deposits | 92.2392% | 2,425 |
| Net loans and leases to core deposits | 111.8308% | 3,151 |
| Total domestic deposits to total assets | 80.3308% | 5,342 |
| Equity capital to assets | 11.6673% | 2,407 |
| Core capital (leverage) ratio | 7.4313% | 7,099 |
| Tier 1 risk-based capital ratio | 8.9280% | 7,731 |
| Total risk-based capital ratio | 10.9087% | 7,210 |
| Memoranda: | ||
| Average total assets | $2,073,518,330 | 364 |
| Average earning assets | $1,862,417,670 | 358 |
| Average equity | $245,576,000 | 304 |
| Average total loans | $1,576,050,000 | 344 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5667% | 4,537 |
| Cost of funding earning assets | 1.5172% | 6,355 |
| Net interest margin | 4.0495% | 2,456 |
| Noninterest income to average assets | 0.8436% | 2,107 |
| Noninterest expense to average assets | 2.6375% | 5,288 |
| Loan and lease loss provision to assets | 1.0900% | 1,202 |
| Net operating income to assets | 0.5529% | 4,207 |
| Return on assets (ROA) | 0.6122% | 4,159 |
| Pretax return on assets | 0.8366% | 3,946 |
| Return on Equity (ROE) | 5.1296% | 4,417 |
| Retained earnings to average equity (ytd only) | 2.1122% | 4,692 |
| Net charge-offs to loans | 1.0174% | 1,323 |
| Credit loss provision to net charge-offs | 140.2103% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.3738% | 3,545 |
| Efficiency ratio | 57.4269% | 6,770 |
| Assets per employee ($millions) | 5.4764% | 1,584 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 2,631 |
| Loan loss allowance to noncurrent loans | 42.6797% | 5,690 |
| Noncurrent assets plus other real estate owned to assets | 2.8324% | 2,006 |
| Noncurrent loans to loans | 3.6886% | 1,697 |
| Net loans and leases to total assets | 74.9373% | 2,516 |
| Net loans and leases to deposits | 95.6633% | 1,996 |
| Net loans and leases to core deposits | 115.5125% | 2,849 |
| Total domestic deposits to total assets | 78.3344% | 5,914 |
| Equity capital to assets | 11.8524% | 2,350 |
| Core capital (leverage) ratio | 7.5095% | 7,156 |
| Tier 1 risk-based capital ratio | 9.0708% | 7,748 |
| Total risk-based capital ratio | 11.0660% | 7,032 |
| Memoranda: | ||
| Average total assets | $2,055,013,000 | 367 |
| Average earning assets | $1,846,845,500 | 366 |
| Average equity | $245,243,500 | 307 |
| Average total loans | $1,570,246,500 | 349 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2348% | 4,331 |
| Cost of funding earning assets | 2.0175% | 6,356 |
| Net interest margin | 4.2173% | 2,242 |
| Noninterest income to average assets | 0.8415% | 2,287 |
| Noninterest expense to average assets | 2.4524% | 6,196 |
| Loan and lease loss provision to assets | 0.7768% | 1,926 |
| Net operating income to assets | 0.9990% | 2,563 |
| Return on assets (ROA) | 0.9438% | 2,675 |
| Pretax return on assets | 1.3167% | 2,255 |
| Return on Equity (ROE) | 7.8717% | 3,126 |
| Retained earnings to average equity (ytd only) | 3.7684% | 2,789 |
| Net charge-offs to loans | 0.5496% | 2,178 |
| Credit loss provision to net charge-offs | 188.8445% | 2,622 |
| Earnings coverage of net charge-offs (x) | 5.2757% | 3,701 |
| Efficiency ratio | 51.6038% | 7,531 |
| Assets per employee ($millions) | 5.4985% | 1,460 |
| Cash dividends to net income (ytd only)* | 52.1273% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 3,041 |
| Loan loss allowance to noncurrent loans | 49.0348% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 2.2760% | 2,138 |
| Noncurrent loans to loans | 2.9119% | 1,849 |
| Net loans and leases to total assets | 75.5957% | 2,729 |
| Net loans and leases to deposits | 97.9905% | 2,129 |
| Net loans and leases to core deposits | 115.8411% | 3,140 |
| Total domestic deposits to total assets | 77.1459% | 5,956 |
| Equity capital to assets | 12.0171% | 2,278 |
| Core capital (leverage) ratio | 7.5051% | 7,201 |
| Tier 1 risk-based capital ratio | 9.1362% | 7,679 |
| Total risk-based capital ratio | 11.1431% | 6,737 |
| Memoranda: | ||
| Average total assets | $2,007,117,400 | 363 |
| Average earning assets | $1,799,448,800 | 361 |
| Average equity | $240,660,000 | 316 |
| Average total loans | $1,502,085,400 | 352 |