Home > Inter National Bank > Performance and Condition Ratios
Inter National Bank, Performance and Condition Ratios
| 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 | 5.5465% | 329 |
| Cost of funding earning assets | 0.3421% | 4,236 |
| Net interest margin | 5.2045% | 180 |
| Noninterest income to average assets | 0.9542% | 1,048 |
| Noninterest expense to average assets | 3.2242% | 1,470 |
| Loan and lease loss provision to assets | 0.3622% | 367 |
| Net operating income to assets | 1.5949% | 973 |
| Return on assets (ROA) | 1.6000% | 965 |
| Pretax return on assets | 2.0021% | 615 |
| Return on Equity (ROE) | 10.2689% | 2,492 |
| Retained earnings to average equity (ytd only) | 6.5159% | 2,375 |
| Net charge-offs to loans | 0.0115% | 3,003 |
| Credit loss provision to net charge-offs | 4,175.2809% | 96 |
| Earnings coverage of net charge-offs (x) | 271.8512% | 343 |
| Efficiency ratio | 55.4725% | 4,450 |
| Assets per employee ($millions) | 3.4775% | 4,589 |
| Cash dividends to net income (ytd only)* | 36.5475% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5248% | 5,157 |
| Loan loss allowance to noncurrent loans | 105.1810% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 2,729 |
| Noncurrent loans to loans | 0.4990% | 2,891 |
| Net loans and leases to total assets | 75.7357% | 1,702 |
| Net loans and leases to deposits | 90.4658% | 1,829 |
| Net loans and leases to core deposits | 119.1866% | 598 |
| Total domestic deposits to total assets | 83.7175% | 3,044 |
| Equity capital to assets | 15.9066% | 561 |
| Core capital (leverage) ratio | 15.2861% | 636 |
| Tier 1 risk-based capital ratio | 18.4192% | 1,688 |
| Total risk-based capital ratio | 18.9272% | 1,834 |
| Memoranda: | ||
| Average total assets | $1,368,065,000 | 578 |
| Average earning assets | $1,216,513,500 | 589 |
| Average equity | $213,155,250 | 426 |
| Average total loans | $1,030,261,500 | 546 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3462% | 433 |
| Cost of funding earning assets | 0.3078% | 4,369 |
| Net interest margin | 5.0383% | 232 |
| Noninterest income to average assets | 0.9638% | 1,024 |
| Noninterest expense to average assets | 3.0661% | 1,870 |
| Loan and lease loss provision to assets | 0.3987% | 310 |
| Net operating income to assets | 1.5789% | 964 |
| Return on assets (ROA) | 1.5865% | 952 |
| Pretax return on assets | 1.9837% | 625 |
| Return on Equity (ROE) | 10.2539% | 2,449 |
| Retained earnings to average equity (ytd only) | 7.4203% | 1,877 |
| Net charge-offs to loans | 0.0134% | 2,686 |
| Credit loss provision to net charge-offs | 3,953.6232% | 103 |
| Earnings coverage of net charge-offs (x) | 235.3188% | 377 |
| Efficiency ratio | 54.0237% | 4,691 |
| Assets per employee ($millions) | 3.4887% | 4,611 |
| Cash dividends to net income (ytd only)* | 27.6345% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4333% | 5,328 |
| Loan loss allowance to noncurrent loans | 102.1596% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.5417% | 2,602 |
| Noncurrent loans to loans | 0.4241% | 3,180 |
| Net loans and leases to total assets | 76.0983% | 1,623 |
| Net loans and leases to deposits | 91.0839% | 1,696 |
| Net loans and leases to core deposits | 118.3783% | 615 |
| Total domestic deposits to total assets | 83.5475% | 3,236 |
| Equity capital to assets | 15.8622% | 519 |
| Core capital (leverage) ratio | 14.8896% | 695 |
| Tier 1 risk-based capital ratio | 18.4368% | 1,688 |
| Total risk-based capital ratio | 18.8415% | 1,872 |
| Memoranda: | ||
| Average total assets | $1,368,530,330 | 578 |
| Average earning assets | $1,215,564,000 | 589 |
| Average equity | $211,743,330 | 429 |
| Average total loans | $1,026,843,000 | 543 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 484 |
| Cost of funding earning assets | 0.2891% | 4,421 |
| Net interest margin | 4.9156% | 269 |
| Noninterest income to average assets | 0.9789% | 957 |
| Noninterest expense to average assets | 2.9957% | 2,073 |
| Loan and lease loss provision to assets | 0.3432% | 359 |
| Net operating income to assets | 1.6093% | 842 |
| Return on assets (ROA) | 1.6245% | 815 |
| Pretax return on assets | 2.0293% | 540 |
| Return on Equity (ROE) | 10.6314% | 2,114 |
| Retained earnings to average equity (ytd only) | 4.9166% | 3,219 |
| Net charge-offs to loans | 0.0137% | 2,269 |
| Credit loss provision to net charge-offs | 3,368.5714% | 118 |
| Earnings coverage of net charge-offs (x) | 231.0286% | 288 |
| Efficiency ratio | 53.6239% | 4,833 |
| Assets per employee ($millions) | 3.4989% | 4,665 |
| Cash dividends to net income (ytd only)* | 53.7538% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2877% | 5,490 |
| Loan loss allowance to noncurrent loans | 57.5986% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5749% | 2,599 |
| Noncurrent loans to loans | 0.4995% | 3,017 |
| Net loans and leases to total assets | 74.8879% | 1,728 |
| Net loans and leases to deposits | 89.1636% | 1,793 |
| Net loans and leases to core deposits | 115.9699% | 728 |
| Total domestic deposits to total assets | 83.9893% | 3,334 |
| Equity capital to assets | 15.2853% | 609 |
| Core capital (leverage) ratio | 14.7206% | 705 |
| Tier 1 risk-based capital ratio | 17.8936% | 1,869 |
| Total risk-based capital ratio | 18.1848% | 2,085 |
| Memoranda: | ||
| Average total assets | $1,374,239,500 | 580 |
| Average earning assets | $1,221,815,500 | 592 |
| Average equity | $209,981,000 | 436 |
| Average total loans | $1,021,648,000 | 550 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 3,717 |
| Cost of funding earning assets | 0.1811% | 5,086 |
| Net interest margin | 3.7212% | 2,717 |
| Noninterest income to average assets | 0.6729% | 2,080 |
| Noninterest expense to average assets | 2.3201% | 4,275 |
| Loan and lease loss provision to assets | 0.1058% | 2,116 |
| Net operating income to assets | 1.0129% | 2,182 |
| Return on assets (ROA) | 1.0441% | 2,106 |
| Pretax return on assets | 1.6223% | 1,235 |
| Return on Equity (ROE) | 7.0944% | 3,219 |
| Retained earnings to average equity (ytd only) | 2.5079% | 3,824 |
| Net charge-offs to loans | -0.0263% | 5,024 |
| Credit loss provision to net charge-offs | -587.2659% | 4,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8001% | 4,784 |
| Assets per employee ($millions) | 3.4409% | 4,776 |
| Cash dividends to net income (ytd only)* | 64.6496% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1826% | 5,583 |
| Loan loss allowance to noncurrent loans | 102.9742% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 3,583 |
| Noncurrent loans to loans | 0.1774% | 4,210 |
| Net loans and leases to total assets | 73.4150% | 2,019 |
| Net loans and leases to deposits | 86.7842% | 2,163 |
| Net loans and leases to core deposits | 113.3644% | 824 |
| Total domestic deposits to total assets | 84.5949% | 2,996 |
| Equity capital to assets | 15.1824% | 645 |
| Core capital (leverage) ratio | 14.0408% | 825 |
| Tier 1 risk-based capital ratio | 17.8777% | 1,835 |
| Total risk-based capital ratio | 18.0680% | 2,107 |
| Memoranda: | ||
| Average total assets | $1,481,423,600 | 526 |
| Average earning assets | $1,324,300,400 | 535 |
| Average equity | $218,032,400 | 410 |
| Average total loans | $1,015,452,000 | 535 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4631% | 4,878 |
| Cost of funding earning assets | 0.1534% | 5,296 |
| Net interest margin | 3.3097% | 4,138 |
| Noninterest income to average assets | 0.5903% | 2,534 |
| Noninterest expense to average assets | 2.0872% | 4,761 |
| Loan and lease loss provision to assets | 0.0922% | 2,240 |
| Net operating income to assets | 0.9122% | 2,962 |
| Return on assets (ROA) | 0.9543% | 2,816 |
| Pretax return on assets | 1.4365% | 1,986 |
| Return on Equity (ROE) | 6.5308% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.5308% | 1,950 |
| Net charge-offs to loans | -0.0284% | 4,980 |
| Credit loss provision to net charge-offs | -481.1060% | 4,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5875% | 4,663 |
| Assets per employee ($millions) | 3.5694% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1293% | 5,666 |
| Loan loss allowance to noncurrent loans | 81.0932% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 3,728 |
| Noncurrent loans to loans | 0.1594% | 4,424 |
| Net loans and leases to total assets | 68.5851% | 2,762 |
| Net loans and leases to deposits | 81.9554% | 2,780 |
| Net loans and leases to core deposits | 106.4258% | 1,246 |
| Total domestic deposits to total assets | 83.6858% | 3,233 |
| Equity capital to assets | 15.3853% | 654 |
| Core capital (leverage) ratio | 14.4988% | 767 |
| Tier 1 risk-based capital ratio | 18.9258% | 1,612 |
| Total risk-based capital ratio | 19.0645% | 1,857 |
| Memoranda: | ||
| Average total assets | $1,510,274,750 | 518 |
| Average earning assets | $1,351,523,500 | 522 |
| Average equity | $220,692,000 | 412 |
| Average total loans | $1,018,140,500 | 536 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4553% | 5,670 |
| Cost of funding earning assets | 0.1186% | 5,520 |
| Net interest margin | 2.3367% | 5,595 |
| Noninterest income to average assets | 0.4445% | 3,389 |
| Noninterest expense to average assets | 1.5066% | 5,561 |
| Loan and lease loss provision to assets | 0.0709% | 2,556 |
| Net operating income to assets | 0.6409% | 4,125 |
| Return on assets (ROA) | 0.6868% | 3,966 |
| Pretax return on assets | 1.0339% | 3,434 |
| Return on Equity (ROE) | 4.7778% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.7778% | 2,865 |
| Net charge-offs to loans | -0.0298% | 4,954 |
| Credit loss provision to net charge-offs | -354.5455% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0400% | 4,703 |
| Assets per employee ($millions) | 3.6080% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0691% | 5,721 |
| Loan loss allowance to noncurrent loans | 12.7691% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 2,723 |
| Noncurrent loans to loans | 0.5414% | 3,126 |
| Net loans and leases to total assets | 68.7419% | 2,702 |
| Net loans and leases to deposits | 85.0100% | 2,350 |
| Net loans and leases to core deposits | 110.6067% | 978 |
| Total domestic deposits to total assets | 80.8632% | 4,215 |
| Equity capital to assets | 14.4776% | 830 |
| Core capital (leverage) ratio | 13.2837% | 1,060 |
| Tier 1 risk-based capital ratio | 17.6564% | 1,957 |
| Total risk-based capital ratio | 17.7252% | 2,280 |
| Memoranda: | ||
| Average total assets | $1,540,161,670 | 513 |
| Average earning assets | $1,382,385,000 | 513 |
| Average equity | $221,400,670 | 409 |
| Average total loans | $1,032,324,000 | 521 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2297% | 2,166 |
| Cost of funding earning assets | 0.3116% | 3,927 |
| Net interest margin | 3.9181% | 1,714 |
| Noninterest income to average assets | 0.6678% | 2,101 |
| Noninterest expense to average assets | 6.7592% | 133 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -2.3974% | 5,829 |
| Return on assets (ROA) | -2.3974% | 5,829 |
| Pretax return on assets | -2.5575% | 5,827 |
| Return on Equity (ROE) | -16.7331% | 5,807 |
| Retained earnings to average equity (ytd only) | -17.0878% | 5,692 |
| Net charge-offs to loans | -0.0787% | 5,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3895% | 123 |
| Assets per employee ($millions) | 3.8051% | 4,340 |
| Cash dividends to net income (ytd only)* | -2.1198% | 5,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 1,369 |
| Loan loss allowance to noncurrent loans | 185.3829% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8508% | 2,175 |
| Noncurrent loans to loans | 0.8652% | 2,301 |
| Net loans and leases to total assets | 66.0234% | 2,965 |
| Net loans and leases to deposits | 81.5674% | 2,563 |
| Net loans and leases to core deposits | 106.3212% | 1,079 |
| Total domestic deposits to total assets | 80.9434% | 4,423 |
| Equity capital to assets | 12.4765% | 1,558 |
| Core capital (leverage) ratio | 12.4799% | 1,351 |
| Tier 1 risk-based capital ratio | 17.7111% | 1,975 |
| Total risk-based capital ratio | 18.9648% | 1,926 |
| Memoranda: | ||
| Average total assets | $1,574,211,500 | 502 |
| Average earning assets | $1,419,866,000 | 505 |
| Average equity | $225,541,500 | 406 |
| Average total loans | $1,042,174,500 | 515 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 2,864 |
| Cost of funding earning assets | 0.3054% | 4,009 |
| Net interest margin | 3.7912% | 2,348 |
| Noninterest income to average assets | 0.7606% | 1,918 |
| Noninterest expense to average assets | 14.1806% | 50 |
| Loan and lease loss provision to assets | -0.1007% | 5,690 |
| Net operating income to assets | -10.7052% | 5,913 |
| Return on assets (ROA) | -10.7009% | 5,913 |
| Pretax return on assets | -10.2157% | 5,912 |
| Return on Equity (ROE) | -44.6744% | 5,901 |
| Retained earnings to average equity (ytd only) | -44.7224% | 5,898 |
| Net charge-offs to loans | 0.0251% | 3,541 |
| Credit loss provision to net charge-offs | -705.6452% | 5,241 |
| Earnings coverage of net charge-offs (x) | -723.1089% | 4,280 |
| Efficiency ratio | 64.7090% | 3,815 |
| Assets per employee ($millions) | 3.9579% | 4,048 |
| Cash dividends to net income (ytd only)* | -0.1076% | 5,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 1,545 |
| Loan loss allowance to noncurrent loans | 340.5824% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5114% | 3,220 |
| Noncurrent loans to loans | 0.4512% | 3,533 |
| Net loans and leases to total assets | 64.3515% | 3,311 |
| Net loans and leases to deposits | 80.4383% | 2,844 |
| Net loans and leases to core deposits | 102.8682% | 1,374 |
| Total domestic deposits to total assets | 80.0010% | 4,574 |
| Equity capital to assets | 16.0761% | 491 |
| Core capital (leverage) ratio | 14.4006% | 717 |
| Tier 1 risk-based capital ratio | 21.6261% | 1,127 |
| Total risk-based capital ratio | 22.8878% | 1,106 |
| Memoranda: | ||
| Average total assets | $1,737,581,800 | 455 |
| Average earning assets | $1,420,461,800 | 490 |
| Average equity | $416,205,200 | 251 |
| Average total loans | $987,749,200 | 517 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 2,756 |
| Cost of funding earning assets | 0.3152% | 3,926 |
| Net interest margin | 3.8165% | 2,274 |
| Noninterest income to average assets | 0.7728% | 1,873 |
| Noninterest expense to average assets | 2.4951% | 3,996 |
| Loan and lease loss provision to assets | -0.1320% | 5,823 |
| Net operating income to assets | 0.9740% | 2,552 |
| Return on assets (ROA) | 0.9774% | 2,662 |
| Pretax return on assets | 1.4589% | 1,858 |
| Return on Equity (ROE) | 3.7949% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.7949% | 3,613 |
| Net charge-offs to loans | 0.0302% | 3,047 |
| Credit loss provision to net charge-offs | -795.4545% | 5,170 |
| Earnings coverage of net charge-offs (x) | 79.6307% | 790 |
| Efficiency ratio | 65.3713% | 3,695 |
| Assets per employee ($millions) | 4.1362% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6243% | 1,398 |
| Loan loss allowance to noncurrent loans | 771.7536% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 3,978 |
| Noncurrent loans to loans | 0.2105% | 4,513 |
| Net loans and leases to total assets | 57.7346% | 4,121 |
| Net loans and leases to deposits | 80.9138% | 2,866 |
| Net loans and leases to core deposits | 106.0570% | 1,179 |
| Total domestic deposits to total assets | 71.3532% | 5,625 |
| Equity capital to assets | 27.1250% | 77 |
| Core capital (leverage) ratio | 16.1565% | 450 |
| Tier 1 risk-based capital ratio | 23.0218% | 1,000 |
| Total risk-based capital ratio | 24.2833% | 985 |
| Memoranda: | ||
| Average total assets | $1,767,284,000 | 439 |
| Average earning assets | $1,409,538,000 | 493 |
| Average equity | $455,197,500 | 234 |
| Average total loans | $970,196,500 | 521 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 2,947 |
| Cost of funding earning assets | 0.3169% | 3,942 |
| Net interest margin | 3.7626% | 2,466 |
| Noninterest income to average assets | 0.8032% | 1,699 |
| Noninterest expense to average assets | 2.4369% | 4,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9213% | 2,761 |
| Return on assets (ROA) | 0.9253% | 2,877 |
| Pretax return on assets | 1.3819% | 2,092 |
| Return on Equity (ROE) | 3.6541% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.6541% | 3,566 |
| Net charge-offs to loans | 0.0575% | 2,362 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 44.5435% | 1,078 |
| Efficiency ratio | 63.9123% | 4,035 |
| Assets per employee ($millions) | 4.2966% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 1,028 |
| Loan loss allowance to noncurrent loans | 1,026.7276% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 3,924 |
| Noncurrent loans to loans | 0.1783% | 4,720 |
| Net loans and leases to total assets | 54.4495% | 4,465 |
| Net loans and leases to deposits | 73.8302% | 3,611 |
| Net loans and leases to core deposits | 96.7841% | 1,909 |
| Total domestic deposits to total assets | 73.7496% | 5,546 |
| Equity capital to assets | 25.9193% | 88 |
| Core capital (leverage) ratio | 15.1787% | 575 |
| Tier 1 risk-based capital ratio | 22.7187% | 1,048 |
| Total risk-based capital ratio | 23.9833% | 1,029 |
| Memoranda: | ||
| Average total assets | $1,786,956,330 | 432 |
| Average earning assets | $1,429,383,330 | 483 |
| Average equity | $452,474,330 | 235 |
| Average total loans | $959,413,670 | 526 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 3,023 |
| Cost of funding earning assets | 0.3198% | 3,949 |
| Net interest margin | 3.7338% | 2,542 |
| Noninterest income to average assets | 0.6610% | 2,212 |
| Noninterest expense to average assets | 2.4499% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8081% | 3,198 |
| Return on assets (ROA) | 0.8081% | 3,321 |
| Pretax return on assets | 1.2025% | 2,693 |
| Return on Equity (ROE) | 3.2290% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.2290% | 3,886 |
| Net charge-offs to loans | 0.0498% | 2,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 45.7373% | 936 |
| Efficiency ratio | 67.0774% | 3,621 |
| Assets per employee ($millions) | 4.4943% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 976 |
| Loan loss allowance to noncurrent loans | 379.9707% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 3,716 |
| Noncurrent loans to loans | 0.4989% | 3,678 |
| Net loans and leases to total assets | 50.9306% | 4,729 |
| Net loans and leases to deposits | 67.7721% | 4,085 |
| Net loans and leases to core deposits | 88.9452% | 2,463 |
| Total domestic deposits to total assets | 75.1499% | 5,506 |
| Equity capital to assets | 24.5390% | 100 |
| Core capital (leverage) ratio | 14.7570% | 652 |
| Tier 1 risk-based capital ratio | 22.2745% | 1,124 |
| Total risk-based capital ratio | 23.5411% | 1,102 |
| Memoranda: | ||
| Average total assets | $1,795,334,500 | 429 |
| Average earning assets | $1,438,330,000 | 481 |
| Average equity | $449,299,500 | 238 |
| Average total loans | $948,199,000 | 529 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,104 |
| Cost of funding earning assets | 0.4474% | 2,652 |
| Net interest margin | 3.6056% | 3,110 |
| Noninterest income to average assets | 0.7409% | 2,019 |
| Noninterest expense to average assets | 2.3674% | 4,596 |
| Loan and lease loss provision to assets | 0.0169% | 4,070 |
| Net operating income to assets | 0.8390% | 3,163 |
| Return on assets (ROA) | 0.8451% | 3,203 |
| Pretax return on assets | 1.2633% | 2,422 |
| Return on Equity (ROE) | 3.5405% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.3812% | 3,646 |
| Net charge-offs to loans | -0.0811% | 5,719 |
| Credit loss provision to net charge-offs | -41.1067% | 5,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0658% | 4,066 |
| Assets per employee ($millions) | 4.3810% | 3,250 |
| Cash dividends to net income (ytd only)* | 4.4990% | 4,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9424% | 891 |
| Loan loss allowance to noncurrent loans | 371.6205% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 3,624 |
| Noncurrent loans to loans | 0.5227% | 3,600 |
| Net loans and leases to total assets | 52.7188% | 4,633 |
| Net loans and leases to deposits | 71.2133% | 3,795 |
| Net loans and leases to core deposits | 95.9509% | 1,854 |
| Total domestic deposits to total assets | 74.0294% | 5,646 |
| Equity capital to assets | 25.5393% | 85 |
| Core capital (leverage) ratio | 14.8861% | 639 |
| Tier 1 risk-based capital ratio | 22.5758% | 1,074 |
| Total risk-based capital ratio | 23.8460% | 1,052 |
| Memoranda: | ||
| Average total assets | $1,840,993,200 | 399 |
| Average earning assets | $1,479,462,000 | 438 |
| Average equity | $439,463,000 | 233 |
| Average total loans | $935,998,000 | 515 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9586% | 3,503 |
| Cost of funding earning assets | 0.4917% | 2,301 |
| Net interest margin | 3.4670% | 3,684 |
| Noninterest income to average assets | 0.7573% | 1,996 |
| Noninterest expense to average assets | 2.3408% | 4,674 |
| Loan and lease loss provision to assets | 0.0223% | 3,829 |
| Net operating income to assets | 0.7922% | 3,466 |
| Return on assets (ROA) | 0.7981% | 3,530 |
| Pretax return on assets | 1.1965% | 2,837 |
| Return on Equity (ROE) | 3.3990% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.2467% | 4,149 |
| Net charge-offs to loans | 0.0356% | 3,199 |
| Credit loss provision to net charge-offs | 124.8000% | 1,930 |
| Earnings coverage of net charge-offs (x) | 67.6710% | 830 |
| Efficiency ratio | 65.9234% | 3,901 |
| Assets per employee ($millions) | 4.4662% | 3,073 |
| Cash dividends to net income (ytd only)* | 4.4807% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8172% | 1,233 |
| Loan loss allowance to noncurrent loans | 645.6383% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 3,993 |
| Noncurrent loans to loans | 0.2815% | 4,573 |
| Net loans and leases to total assets | 52.1561% | 4,743 |
| Net loans and leases to deposits | 69.7236% | 4,017 |
| Net loans and leases to core deposits | 94.3523% | 2,041 |
| Total domestic deposits to total assets | 74.8040% | 5,638 |
| Equity capital to assets | 24.7937% | 100 |
| Core capital (leverage) ratio | 14.0085% | 864 |
| Tier 1 risk-based capital ratio | 21.9084% | 1,206 |
| Total risk-based capital ratio | 23.1771% | 1,183 |
| Memoranda: | ||
| Average total assets | $1,864,240,750 | 399 |
| Average earning assets | $1,502,063,750 | 438 |
| Average equity | $437,721,750 | 236 |
| Average total loans | $935,052,250 | 516 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 3,591 |
| Cost of funding earning assets | 0.5131% | 2,134 |
| Net interest margin | 3.4131% | 3,864 |
| Noninterest income to average assets | 0.7320% | 2,079 |
| Noninterest expense to average assets | 2.2881% | 4,874 |
| Loan and lease loss provision to assets | 0.0330% | 3,459 |
| Net operating income to assets | 0.7834% | 3,475 |
| Return on assets (ROA) | 0.7869% | 3,556 |
| Pretax return on assets | 1.1731% | 2,884 |
| Return on Equity (ROE) | 3.4116% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.2969% | 3,947 |
| Net charge-offs to loans | -0.0026% | 4,621 |
| Credit loss provision to net charge-offs | -2,600.0000% | 5,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5809% | 4,089 |
| Assets per employee ($millions) | 4.7721% | 2,581 |
| Cash dividends to net income (ytd only)* | 3.3616% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 1,294 |
| Loan loss allowance to noncurrent loans | 310.7935% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 3,643 |
| Noncurrent loans to loans | 0.5914% | 3,689 |
| Net loans and leases to total assets | 50.1051% | 4,922 |
| Net loans and leases to deposits | 65.7745% | 4,357 |
| Net loans and leases to core deposits | 91.3654% | 2,208 |
| Total domestic deposits to total assets | 76.1772% | 5,580 |
| Equity capital to assets | 23.5036% | 119 |
| Core capital (leverage) ratio | 13.2234% | 1,084 |
| Tier 1 risk-based capital ratio | 21.6568% | 1,257 |
| Total risk-based capital ratio | 22.9264% | 1,237 |
| Memoranda: | ||
| Average total assets | $1,890,157,000 | 402 |
| Average earning assets | $1,526,775,000 | 432 |
| Average equity | $435,983,330 | 238 |
| Average total loans | $930,400,000 | 509 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 3,779 |
| Cost of funding earning assets | 0.5277% | 2,028 |
| Net interest margin | 3.3339% | 4,084 |
| Noninterest income to average assets | 0.7601% | 1,866 |
| Noninterest expense to average assets | 2.2112% | 5,115 |
| Loan and lease loss provision to assets | 0.0580% | 2,772 |
| Net operating income to assets | 0.8602% | 2,961 |
| Return on assets (ROA) | 0.8657% | 3,042 |
| Pretax return on assets | 1.1925% | 2,700 |
| Return on Equity (ROE) | 3.7884% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.7884% | 3,734 |
| Net charge-offs to loans | 0.0244% | 2,676 |
| Credit loss provision to net charge-offs | 492.8571% | 563 |
| Earnings coverage of net charge-offs (x) | 105.5536% | 475 |
| Efficiency ratio | 64.0166% | 4,479 |
| Assets per employee ($millions) | 4.9545% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8743% | 1,331 |
| Loan loss allowance to noncurrent loans | 389.8522% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.5537% | 3,823 |
| Noncurrent loans to loans | 0.4808% | 4,134 |
| Net loans and leases to total assets | 47.5182% | 5,083 |
| Net loans and leases to deposits | 61.7639% | 4,595 |
| Net loans and leases to core deposits | 86.0028% | 2,551 |
| Total domestic deposits to total assets | 76.9353% | 5,623 |
| Equity capital to assets | 22.7965% | 133 |
| Core capital (leverage) ratio | 12.9286% | 1,180 |
| Tier 1 risk-based capital ratio | 21.6764% | 1,289 |
| Total risk-based capital ratio | 22.9328% | 1,263 |
| Memoranda: | ||
| Average total assets | $1,902,297,000 | 399 |
| Average earning assets | $1,537,162,000 | 427 |
| Average equity | $434,700,500 | 237 |
| Average total loans | $919,396,500 | 512 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 3,808 |
| Cost of funding earning assets | 0.5692% | 2,053 |
| Net interest margin | 3.4074% | 4,168 |
| Noninterest income to average assets | 0.7756% | 1,969 |
| Noninterest expense to average assets | 2.3736% | 4,911 |
| Loan and lease loss provision to assets | 0.1291% | 2,030 |
| Net operating income to assets | 0.6819% | 3,982 |
| Return on assets (ROA) | 0.7387% | 3,792 |
| Pretax return on assets | 1.0842% | 3,150 |
| Return on Equity (ROE) | 3.2836% | 5,387 |
| Retained earnings to average equity (ytd only) | 3.1176% | 4,018 |
| Net charge-offs to loans | 0.0736% | 3,437 |
| Credit loss provision to net charge-offs | 385.9649% | 677 |
| Earnings coverage of net charge-offs (x) | 33.7751% | 1,227 |
| Efficiency ratio | 67.0113% | 4,056 |
| Assets per employee ($millions) | 5.1990% | 2,076 |
| Cash dividends to net income (ytd only)* | 5.0556% | 4,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8876% | 1,341 |
| Loan loss allowance to noncurrent loans | 422.0830% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.6198% | 3,726 |
| Noncurrent loans to loans | 0.4472% | 4,302 |
| Net loans and leases to total assets | 47.3239% | 5,216 |
| Net loans and leases to deposits | 61.6921% | 4,751 |
| Net loans and leases to core deposits | 87.3224% | 2,578 |
| Total domestic deposits to total assets | 76.7098% | 5,644 |
| Equity capital to assets | 22.9071% | 133 |
| Core capital (leverage) ratio | 13.8609% | 851 |
| Tier 1 risk-based capital ratio | 21.6234% | 1,287 |
| Total risk-based capital ratio | 22.8763% | 1,264 |
| Memoranda: | ||
| Average total assets | $1,874,397,000 | 390 |
| Average earning assets | $1,500,551,400 | 424 |
| Average equity | $421,666,000 | 231 |
| Average total loans | $851,422,400 | 524 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 3,828 |
| Cost of funding earning assets | 0.5727% | 2,083 |
| Net interest margin | 3.4086% | 4,203 |
| Noninterest income to average assets | 0.7827% | 1,958 |
| Noninterest expense to average assets | 2.3641% | 4,930 |
| Loan and lease loss provision to assets | 0.0751% | 2,843 |
| Net operating income to assets | 0.7117% | 3,880 |
| Return on assets (ROA) | 0.7865% | 3,592 |
| Pretax return on assets | 1.1790% | 2,864 |
| Return on Equity (ROE) | 3.5124% | 5,361 |
| Retained earnings to average equity (ytd only) | 3.2896% | 4,282 |
| Net charge-offs to loans | 0.0977% | 2,828 |
| Credit loss provision to net charge-offs | 171.9413% | 1,441 |
| Earnings coverage of net charge-offs (x) | 26.1567% | 1,491 |
| Efficiency ratio | 66.4310% | 4,152 |
| Assets per employee ($millions) | 5.1052% | 2,129 |
| Cash dividends to net income (ytd only)* | 6.3417% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8367% | 1,612 |
| Loan loss allowance to noncurrent loans | 382.1144% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 3,638 |
| Noncurrent loans to loans | 0.4807% | 4,466 |
| Net loans and leases to total assets | 45.9085% | 5,388 |
| Net loans and leases to deposits | 60.1041% | 4,930 |
| Net loans and leases to core deposits | 86.1386% | 2,651 |
| Total domestic deposits to total assets | 76.3817% | 5,765 |
| Equity capital to assets | 23.1243% | 129 |
| Core capital (leverage) ratio | 13.3589% | 1,044 |
| Tier 1 risk-based capital ratio | 21.8980% | 1,280 |
| Total risk-based capital ratio | 23.1230% | 1,263 |
| Memoranda: | ||
| Average total assets | $1,871,191,000 | 385 |
| Average earning assets | $1,495,257,500 | 427 |
| Average equity | $419,005,750 | 228 |
| Average total loans | $836,705,750 | 523 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,868 |
| Cost of funding earning assets | 0.5652% | 2,205 |
| Net interest margin | 3.4008% | 4,167 |
| Noninterest income to average assets | 0.7716% | 1,955 |
| Noninterest expense to average assets | 2.4391% | 4,772 |
| Loan and lease loss provision to assets | 0.0548% | 3,203 |
| Net operating income to assets | 0.6726% | 3,974 |
| Return on assets (ROA) | 0.7687% | 3,573 |
| Pretax return on assets | 1.1349% | 2,953 |
| Return on Equity (ROE) | 3.4699% | 5,358 |
| Retained earnings to average equity (ytd only) | 3.2538% | 4,133 |
| Net charge-offs to loans | 0.1212% | 2,461 |
| Credit loss provision to net charge-offs | 102.5896% | 1,936 |
| Earnings coverage of net charge-offs (x) | 19.6355% | 1,612 |
| Efficiency ratio | 68.4588% | 3,923 |
| Assets per employee ($millions) | 5.2636% | 1,904 |
| Cash dividends to net income (ytd only)* | 6.2258% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 1,810 |
| Loan loss allowance to noncurrent loans | 351.5636% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 3,554 |
| Noncurrent loans to loans | 0.5163% | 4,458 |
| Net loans and leases to total assets | 44.0891% | 5,528 |
| Net loans and leases to deposits | 57.0610% | 5,113 |
| Net loans and leases to core deposits | 80.7545% | 3,122 |
| Total domestic deposits to total assets | 77.2665% | 5,767 |
| Equity capital to assets | 22.4404% | 136 |
| Core capital (leverage) ratio | 12.9967% | 1,157 |
| Tier 1 risk-based capital ratio | 22.1448% | 1,238 |
| Total risk-based capital ratio | 23.3358% | 1,226 |
| Memoranda: | ||
| Average total assets | $1,880,593,000 | 382 |
| Average earning assets | $1,501,809,000 | 424 |
| Average equity | $416,615,330 | 227 |
| Average total loans | $828,301,670 | 525 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 3,940 |
| Cost of funding earning assets | 0.5680% | 2,259 |
| Net interest margin | 3.3691% | 4,260 |
| Noninterest income to average assets | 0.7396% | 1,992 |
| Noninterest expense to average assets | 2.2850% | 5,233 |
| Loan and lease loss provision to assets | 0.0751% | 2,638 |
| Net operating income to assets | 0.7174% | 3,589 |
| Return on assets (ROA) | 0.9068% | 2,687 |
| Pretax return on assets | 1.3390% | 1,962 |
| Return on Equity (ROE) | 4.1201% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.8779% | 3,794 |
| Net charge-offs to loans | 0.1080% | 2,100 |
| Credit loss provision to net charge-offs | 159.2760% | 1,204 |
| Earnings coverage of net charge-offs (x) | 24.0995% | 1,191 |
| Efficiency ratio | 64.5328% | 4,773 |
| Assets per employee ($millions) | 5.2529% | 1,956 |
| Cash dividends to net income (ytd only)* | 5.8782% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 1,978 |
| Loan loss allowance to noncurrent loans | 255.5739% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0719% | 3,111 |
| Noncurrent loans to loans | 0.7128% | 4,089 |
| Net loans and leases to total assets | 44.1107% | 5,499 |
| Net loans and leases to deposits | 56.9205% | 5,040 |
| Net loans and leases to core deposits | 77.9700% | 3,209 |
| Total domestic deposits to total assets | 77.4952% | 5,901 |
| Equity capital to assets | 22.1313% | 143 |
| Core capital (leverage) ratio | 12.7791% | 1,256 |
| Tier 1 risk-based capital ratio | 21.6583% | 1,350 |
| Total risk-based capital ratio | 22.9060% | 1,329 |
| Memoranda: | ||
| Average total assets | $1,876,068,500 | 383 |
| Average earning assets | $1,492,876,000 | 427 |
| Average equity | $412,901,000 | 230 |
| Average total loans | $818,188,500 | 529 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 5,337 |
| Cost of funding earning assets | 0.6601% | 2,123 |
| Net interest margin | 2.9684% | 5,649 |
| Noninterest income to average assets | 0.7530% | 2,280 |
| Noninterest expense to average assets | 2.4229% | 5,014 |
| Loan and lease loss provision to assets | 0.0057% | 5,011 |
| Net operating income to assets | 0.4816% | 4,809 |
| Return on assets (ROA) | 0.6167% | 4,296 |
| Pretax return on assets | 0.9110% | 3,723 |
| Return on Equity (ROE) | 2.9707% | 5,519 |
| Retained earnings to average equity (ytd only) | 2.8022% | 4,252 |
| Net charge-offs to loans | -0.1737% | 6,593 |
| Credit loss provision to net charge-offs | -9.0620% | 5,682 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8202% | 2,986 |
| Assets per employee ($millions) | 5.1551% | 2,006 |
| Cash dividends to net income (ytd only)* | 5.6731% | 4,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 1,644 |
| Loan loss allowance to noncurrent loans | 201.3080% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 1.2703% | 2,875 |
| Noncurrent loans to loans | 0.9746% | 3,572 |
| Net loans and leases to total assets | 41.4366% | 5,857 |
| Net loans and leases to deposits | 53.3051% | 5,527 |
| Net loans and leases to core deposits | 74.6868% | 3,768 |
| Total domestic deposits to total assets | 77.7347% | 5,863 |
| Equity capital to assets | 21.8837% | 146 |
| Core capital (leverage) ratio | 12.8987% | 1,179 |
| Tier 1 risk-based capital ratio | 22.5594% | 1,168 |
| Total risk-based capital ratio | 23.8146% | 1,144 |
| Memoranda: | ||
| Average total assets | $2,000,807,800 | 356 |
| Average earning assets | $1,609,563,800 | 388 |
| Average equity | $415,353,400 | 223 |
| Average total loans | $724,399,600 | 582 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5736% | 5,515 |
| Cost of funding earning assets | 0.6834% | 2,073 |
| Net interest margin | 2.8902% | 5,838 |
| Noninterest income to average assets | 0.7549% | 2,344 |
| Noninterest expense to average assets | 2.3872% | 5,059 |
| Loan and lease loss provision to assets | -0.0191% | 6,484 |
| Net operating income to assets | 0.4853% | 4,864 |
| Return on assets (ROA) | 0.6613% | 4,197 |
| Pretax return on assets | 0.9790% | 3,591 |
| Return on Equity (ROE) | 3.2252% | 5,522 |
| Retained earnings to average equity (ytd only) | 3.0017% | 4,528 |
| Net charge-offs to loans | -0.1043% | 6,505 |
| Credit loss provision to net charge-offs | 52.6126% | 3,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9809% | 2,907 |
| Assets per employee ($millions) | 5.0872% | 2,064 |
| Cash dividends to net income (ytd only)* | 6.9286% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0208% | 1,674 |
| Loan loss allowance to noncurrent loans | 142.7529% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.7122% | 2,397 |
| Noncurrent loans to loans | 1.4156% | 3,050 |
| Net loans and leases to total assets | 37.1874% | 6,211 |
| Net loans and leases to deposits | 47.8714% | 5,968 |
| Net loans and leases to core deposits | 67.6890% | 4,552 |
| Total domestic deposits to total assets | 77.6817% | 5,950 |
| Equity capital to assets | 21.9830% | 147 |
| Core capital (leverage) ratio | 12.1057% | 1,610 |
| Tier 1 risk-based capital ratio | 24.6537% | 920 |
| Total risk-based capital ratio | 25.9087% | 896 |
| Memoranda: | ||
| Average total assets | $2,037,047,250 | 351 |
| Average earning assets | $1,644,576,750 | 382 |
| Average equity | $417,659,500 | 222 |
| Average total loans | $709,401,750 | 592 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 5,785 |
| Cost of funding earning assets | 0.7043% | 2,038 |
| Net interest margin | 2.7490% | 6,097 |
| Noninterest income to average assets | 0.7434% | 2,447 |
| Noninterest expense to average assets | 2.3876% | 5,089 |
| Loan and lease loss provision to assets | -0.0512% | 6,647 |
| Net operating income to assets | 0.4324% | 5,095 |
| Return on assets (ROA) | 0.6621% | 4,160 |
| Pretax return on assets | 0.9822% | 3,592 |
| Return on Equity (ROE) | 3.2999% | 5,502 |
| Retained earnings to average equity (ytd only) | 3.1096% | 4,339 |
| Net charge-offs to loans | -0.1422% | 6,584 |
| Credit loss provision to net charge-offs | 106.1386% | 2,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8947% | 2,476 |
| Assets per employee ($millions) | 5.1431% | 1,943 |
| Cash dividends to net income (ytd only)* | 5.7662% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 2,006 |
| Loan loss allowance to noncurrent loans | 162.6963% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 1.6654% | 2,613 |
| Noncurrent loans to loans | 1.1888% | 3,575 |
| Net loans and leases to total assets | 35.0878% | 6,357 |
| Net loans and leases to deposits | 44.2989% | 6,210 |
| Net loans and leases to core deposits | 63.9800% | 4,895 |
| Total domestic deposits to total assets | 79.2070% | 5,774 |
| Equity capital to assets | 20.4398% | 187 |
| Core capital (leverage) ratio | 11.0205% | 2,334 |
| Tier 1 risk-based capital ratio | 24.5591% | 925 |
| Total risk-based capital ratio | 25.8148% | 906 |
| Memoranda: | ||
| Average total assets | $2,095,418,670 | 340 |
| Average earning assets | $1,701,652,330 | 367 |
| Average equity | $420,443,000 | 220 |
| Average total loans | $710,307,330 | 587 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3756% | 5,995 |
| Cost of funding earning assets | 0.7152% | 2,092 |
| Net interest margin | 2.6605% | 6,284 |
| Noninterest income to average assets | 0.6983% | 2,595 |
| Noninterest expense to average assets | 2.4322% | 5,009 |
| Loan and lease loss provision to assets | -0.0249% | 6,756 |
| Net operating income to assets | 0.3108% | 5,535 |
| Return on assets (ROA) | 0.6531% | 4,099 |
| Pretax return on assets | 0.9562% | 3,541 |
| Return on Equity (ROE) | 3.2841% | 5,439 |
| Retained earnings to average equity (ytd only) | 3.1285% | 4,395 |
| Net charge-offs to loans | -0.1938% | 6,673 |
| Credit loss provision to net charge-offs | 39.0029% | 2,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6535% | 1,936 |
| Assets per employee ($millions) | 5.4398% | 1,721 |
| Cash dividends to net income (ytd only)* | 4.7387% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0273% | 1,972 |
| Loan loss allowance to noncurrent loans | 164.1777% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 1.7274% | 2,699 |
| Noncurrent loans to loans | 1.2348% | 3,710 |
| Net loans and leases to total assets | 32.2400% | 6,506 |
| Net loans and leases to deposits | 40.4476% | 6,400 |
| Net loans and leases to core deposits | 57.8950% | 5,351 |
| Total domestic deposits to total assets | 79.7081% | 5,819 |
| Equity capital to assets | 19.8608% | 221 |
| Core capital (leverage) ratio | 10.5084% | 2,764 |
| Tier 1 risk-based capital ratio | 23.9276% | 1,027 |
| Total risk-based capital ratio | 25.1829% | 1,006 |
| Memoranda: | ||
| Average total assets | $2,132,518,000 | 338 |
| Average earning assets | $1,732,768,500 | 370 |
| Average equity | $424,098,000 | 225 |
| Average total loans | $703,866,500 | 593 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 5,441 |
| Cost of funding earning assets | 0.8850% | 2,032 |
| Net interest margin | 3.0658% | 5,896 |
| Noninterest income to average assets | 0.7135% | 2,650 |
| Noninterest expense to average assets | 2.3752% | 5,480 |
| Loan and lease loss provision to assets | 0.3400% | 1,978 |
| Net operating income to assets | 0.3199% | 5,396 |
| Return on assets (ROA) | 0.4783% | 5,016 |
| Pretax return on assets | 0.6989% | 4,671 |
| Return on Equity (ROE) | 2.4228% | 5,787 |
| Retained earnings to average equity (ytd only) | 2.4228% | 4,530 |
| Net charge-offs to loans | 1.9530% | 379 |
| Credit loss provision to net charge-offs | 50.2188% | 4,696 |
| Earnings coverage of net charge-offs (x) | 1.1906% | 4,864 |
| Efficiency ratio | 72.5050% | 3,323 |
| Assets per employee ($millions) | 5.3991% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 2,052 |
| Loan loss allowance to noncurrent loans | 143.8334% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 2.0595% | 2,376 |
| Noncurrent loans to loans | 1.3804% | 3,531 |
| Net loans and leases to total assets | 32.4483% | 6,607 |
| Net loans and leases to deposits | 40.6899% | 6,520 |
| Net loans and leases to core deposits | 59.6943% | 5,395 |
| Total domestic deposits to total assets | 79.7453% | 5,732 |
| Equity capital to assets | 19.9135% | 228 |
| Core capital (leverage) ratio | 10.3324% | 2,971 |
| Tier 1 risk-based capital ratio | 23.3457% | 1,059 |
| Total risk-based capital ratio | 24.6009% | 1,043 |
| Memoranda: | ||
| Average total assets | $2,126,004,600 | 338 |
| Average earning assets | $1,711,277,200 | 365 |
| Average equity | $419,686,800 | 224 |
| Average total loans | $737,057,200 | 556 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 5,453 |
| Cost of funding earning assets | 0.9199% | 2,047 |
| Net interest margin | 3.1023% | 5,934 |
| Noninterest income to average assets | 0.7140% | 2,642 |
| Noninterest expense to average assets | 2.3754% | 5,472 |
| Loan and lease loss provision to assets | 0.3163% | 2,088 |
| Net operating income to assets | 0.3418% | 5,463 |
| Return on assets (ROA) | 0.5167% | 5,038 |
| Pretax return on assets | 0.7731% | 4,586 |
| Return on Equity (ROE) | 2.6233% | 5,835 |
| Retained earnings to average equity (ytd only) | 2.6233% | 4,992 |
| Net charge-offs to loans | 2.1481% | 314 |
| Credit loss provision to net charge-offs | 41.9917% | 4,576 |
| Earnings coverage of net charge-offs (x) | 1.0997% | 4,750 |
| Efficiency ratio | 72.0065% | 3,330 |
| Assets per employee ($millions) | 5.4243% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9695% | 2,263 |
| Loan loss allowance to noncurrent loans | 105.4727% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 2.2831% | 2,335 |
| Noncurrent loans to loans | 1.8673% | 2,993 |
| Net loans and leases to total assets | 32.4664% | 6,728 |
| Net loans and leases to deposits | 40.6490% | 6,656 |
| Net loans and leases to core deposits | 61.0133% | 5,453 |
| Total domestic deposits to total assets | 79.8701% | 5,694 |
| Equity capital to assets | 19.5686% | 260 |
| Core capital (leverage) ratio | 9.9920% | 3,559 |
| Tier 1 risk-based capital ratio | 24.0165% | 1,020 |
| Total risk-based capital ratio | 25.2730% | 1,000 |
| Memoranda: | ||
| Average total assets | $2,124,344,750 | 341 |
| Average earning assets | $1,704,870,250 | 366 |
| Average equity | $418,437,250 | 228 |
| Average total loans | $744,815,500 | 551 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1753% | 5,038 |
| Cost of funding earning assets | 0.9635% | 1,974 |
| Net interest margin | 3.2119% | 5,700 |
| Noninterest income to average assets | 0.6614% | 2,886 |
| Noninterest expense to average assets | 2.3958% | 5,474 |
| Loan and lease loss provision to assets | 0.4413% | 1,468 |
| Net operating income to assets | 0.2548% | 5,752 |
| Return on assets (ROA) | 0.5293% | 4,959 |
| Pretax return on assets | 0.7930% | 4,499 |
| Return on Equity (ROE) | 2.6809% | 5,816 |
| Retained earnings to average equity (ytd only) | 2.6809% | 4,837 |
| Net charge-offs to loans | 3.1745% | 176 |
| Credit loss provision to net charge-offs | 38.9047% | 4,289 |
| Earnings coverage of net charge-offs (x) | 0.7270% | 4,687 |
| Efficiency ratio | 72.2430% | 3,384 |
| Assets per employee ($millions) | 5.1464% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9222% | 2,472 |
| Loan loss allowance to noncurrent loans | 71.1694% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 2.6595% | 2,078 |
| Noncurrent loans to loans | 2.7008% | 2,226 |
| Net loans and leases to total assets | 33.8311% | 6,730 |
| Net loans and leases to deposits | 42.5050% | 6,625 |
| Net loans and leases to core deposits | 65.9575% | 5,010 |
| Total domestic deposits to total assets | 79.5932% | 5,839 |
| Equity capital to assets | 20.0245% | 238 |
| Core capital (leverage) ratio | 10.0560% | 3,345 |
| Tier 1 risk-based capital ratio | 24.6217% | 944 |
| Total risk-based capital ratio | 25.8787% | 926 |
| Memoranda: | ||
| Average total assets | $2,105,604,670 | 342 |
| Average earning assets | $1,677,659,670 | 370 |
| Average equity | $415,681,000 | 227 |
| Average total loans | $752,363,000 | 541 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 4,783 |
| Cost of funding earning assets | 1.0123% | 1,905 |
| Net interest margin | 3.2762% | 5,553 |
| Noninterest income to average assets | 0.7532% | 2,377 |
| Noninterest expense to average assets | 2.3048% | 5,757 |
| Loan and lease loss provision to assets | 0.0369% | 4,921 |
| Net operating income to assets | 0.6636% | 4,058 |
| Return on assets (ROA) | 0.7310% | 3,965 |
| Pretax return on assets | 1.1056% | 3,304 |
| Return on Equity (ROE) | 3.7293% | 5,414 |
| Retained earnings to average equity (ytd only) | 3.7293% | 4,350 |
| Net charge-offs to loans | 1.0796% | 957 |
| Credit loss provision to net charge-offs | 9.4157% | 3,912 |
| Earnings coverage of net charge-offs (x) | 2.6514% | 3,119 |
| Efficiency ratio | 66.8366% | 4,390 |
| Assets per employee ($millions) | 5.5652% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5695% | 1,266 |
| Loan loss allowance to noncurrent loans | 72.8164% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 3.0988% | 1,877 |
| Noncurrent loans to loans | 3.5288% | 1,764 |
| Net loans and leases to total assets | 33.9052% | 6,747 |
| Net loans and leases to deposits | 42.1188% | 6,652 |
| Net loans and leases to core deposits | 64.4785% | 5,060 |
| Total domestic deposits to total assets | 80.4989% | 5,723 |
| Equity capital to assets | 19.2769% | 260 |
| Core capital (leverage) ratio | 9.8773% | 3,531 |
| Tier 1 risk-based capital ratio | 23.2287% | 1,108 |
| Total risk-based capital ratio | 24.4929% | 1,084 |
| Memoranda: | ||
| Average total assets | $2,111,106,000 | 337 |
| Average earning assets | $1,670,241,500 | 371 |
| Average equity | $413,805,000 | 225 |
| Average total loans | $767,287,500 | 522 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 4,984 |
| Cost of funding earning assets | 1.4584% | 839 |
| Net interest margin | 3.0637% | 6,419 |
| Noninterest income to average assets | 0.7430% | 2,373 |
| Noninterest expense to average assets | 2.2664% | 6,130 |
| Loan and lease loss provision to assets | 0.8018% | 1,223 |
| Net operating income to assets | 0.1057% | 5,855 |
| Return on assets (ROA) | 0.3267% | 5,312 |
| Pretax return on assets | 0.4677% | 5,085 |
| Return on Equity (ROE) | 1.7920% | 5,736 |
| Retained earnings to average equity (ytd only) | 1.7920% | 4,935 |
| Net charge-offs to loans | 2.6903% | 402 |
| Credit loss provision to net charge-offs | 75.9852% | 4,638 |
| Earnings coverage of net charge-offs (x) | 0.9039% | 5,131 |
| Efficiency ratio | 68.3250% | 4,291 |
| Assets per employee ($millions) | 5.3168% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7050% | 1,072 |
| Loan loss allowance to noncurrent loans | 71.9981% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 3.4645% | 1,714 |
| Noncurrent loans to loans | 3.7570% | 1,674 |
| Net loans and leases to total assets | 36.9365% | 6,709 |
| Net loans and leases to deposits | 46.2713% | 6,612 |
| Net loans and leases to core deposits | 74.8927% | 4,118 |
| Total domestic deposits to total assets | 79.8260% | 5,788 |
| Equity capital to assets | 19.9410% | 237 |
| Core capital (leverage) ratio | 10.0473% | 3,277 |
| Tier 1 risk-based capital ratio | 20.6752% | 1,483 |
| Total risk-based capital ratio | 21.9394% | 1,453 |
| Memoranda: | ||
| Average total assets | $2,202,831,200 | 316 |
| Average earning assets | $1,781,108,800 | 345 |
| Average equity | $401,569,400 | 219 |
| Average total loans | $863,991,000 | 486 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 4,748 |
| Cost of funding earning assets | 1.5519% | 714 |
| Net interest margin | 3.0781% | 6,433 |
| Noninterest income to average assets | 0.7552% | 2,286 |
| Noninterest expense to average assets | 2.2090% | 6,258 |
| Loan and lease loss provision to assets | 0.8698% | 1,045 |
| Net operating income to assets | 0.1329% | 5,881 |
| Return on assets (ROA) | 0.3506% | 5,385 |
| Pretax return on assets | 0.5139% | 5,123 |
| Return on Equity (ROE) | 1.9656% | 5,788 |
| Retained earnings to average equity (ytd only) | 1.9656% | 5,155 |
| Net charge-offs to loans | 2.9437% | 323 |
| Credit loss provision to net charge-offs | 74.7823% | 4,328 |
| Earnings coverage of net charge-offs (x) | 0.9145% | 4,938 |
| Efficiency ratio | 65.5094% | 4,805 |
| Assets per employee ($millions) | 5.4153% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7443% | 1,080 |
| Loan loss allowance to noncurrent loans | 70.1040% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 3.5488% | 1,771 |
| Noncurrent loans to loans | 3.9146% | 1,700 |
| Net loans and leases to total assets | 36.4657% | 6,846 |
| Net loans and leases to deposits | 45.4973% | 6,760 |
| Net loans and leases to core deposits | 71.6633% | 4,758 |
| Total domestic deposits to total assets | 80.1492% | 5,693 |
| Equity capital to assets | 19.3316% | 293 |
| Core capital (leverage) ratio | 9.2729% | 4,499 |
| Tier 1 risk-based capital ratio | 20.9915% | 1,456 |
| Total risk-based capital ratio | 22.2572% | 1,430 |
| Memoranda: | ||
| Average total assets | $2,237,814,000 | 313 |
| Average earning assets | $1,830,196,750 | 342 |
| Average equity | $399,121,250 | 218 |
| Average total loans | $884,201,750 | 478 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 4,507 |
| Cost of funding earning assets | 1.6501% | 570 |
| Net interest margin | 3.0563% | 6,495 |
| Noninterest income to average assets | 0.6953% | 2,576 |
| Noninterest expense to average assets | 2.1712% | 6,450 |
| Loan and lease loss provision to assets | 1.1135% | 728 |
| Net operating income to assets | -0.0341% | 6,277 |
| Return on assets (ROA) | -0.0185% | 6,320 |
| Pretax return on assets | -0.0561% | 6,322 |
| Return on Equity (ROE) | -0.1062% | 6,314 |
| Retained earnings to average equity (ytd only) | -0.1062% | 5,858 |
| Net charge-offs to loans | 3.2226% | 300 |
| Credit loss provision to net charge-offs | 86.0811% | 3,585 |
| Earnings coverage of net charge-offs (x) | 0.7985% | 4,698 |
| Efficiency ratio | 65.7644% | 4,919 |
| Assets per employee ($millions) | 5.8748% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8731% | 1,010 |
| Loan loss allowance to noncurrent loans | 54.8962% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 3.3399% | 1,981 |
| Noncurrent loans to loans | 5.2337% | 1,230 |
| Net loans and leases to total assets | 36.8473% | 6,919 |
| Net loans and leases to deposits | 44.8880% | 6,889 |
| Net loans and leases to core deposits | 71.4751% | 4,892 |
| Total domestic deposits to total assets | 82.0872% | 5,137 |
| Equity capital to assets | 17.6314% | 413 |
| Core capital (leverage) ratio | 8.5515% | 5,472 |
| Tier 1 risk-based capital ratio | 19.6213% | 1,688 |
| Total risk-based capital ratio | 20.8900% | 1,655 |
| Memoranda: | ||
| Average total assets | $2,276,151,670 | 313 |
| Average earning assets | $1,868,377,330 | 336 |
| Average equity | $395,371,330 | 220 |
| Average total loans | $913,623,000 | 468 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 4,538 |
| Cost of funding earning assets | 1.6947% | 562 |
| Net interest margin | 3.0022% | 6,567 |
| Noninterest income to average assets | 0.7441% | 2,289 |
| Noninterest expense to average assets | 2.1733% | 6,478 |
| Loan and lease loss provision to assets | 1.8979% | 297 |
| Net operating income to assets | -0.5424% | 6,828 |
| Return on assets (ROA) | -0.5424% | 6,832 |
| Pretax return on assets | -0.8551% | 6,943 |
| Return on Equity (ROE) | -3.1459% | 6,683 |
| Retained earnings to average equity (ytd only) | -3.1459% | 6,322 |
| Net charge-offs to loans | 5.7200% | 122 |
| Credit loss provision to net charge-offs | 80.4700% | 3,148 |
| Earnings coverage of net charge-offs (x) | 0.4421% | 4,291 |
| Efficiency ratio | 65.5904% | 5,108 |
| Assets per employee ($millions) | 5.8482% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7134% | 1,196 |
| Loan loss allowance to noncurrent loans | 44.7891% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 3.6101% | 1,886 |
| Noncurrent loans to loans | 6.0581% | 1,042 |
| Net loans and leases to total assets | 37.6587% | 6,923 |
| Net loans and leases to deposits | 45.4687% | 6,884 |
| Net loans and leases to core deposits | 71.8664% | 4,807 |
| Total domestic deposits to total assets | 82.8234% | 4,985 |
| Equity capital to assets | 16.9547% | 445 |
| Core capital (leverage) ratio | 8.3924% | 5,642 |
| Tier 1 risk-based capital ratio | 18.5632% | 1,937 |
| Total risk-based capital ratio | 19.8300% | 1,889 |
| Memoranda: | ||
| Average total assets | $2,280,386,500 | 314 |
| Average earning assets | $1,877,669,000 | 332 |
| Average equity | $393,144,500 | 219 |
| Average total loans | $940,286,000 | 464 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2435% | 3,397 |
| Cost of funding earning assets | 1.9638% | 689 |
| Net interest margin | 3.2797% | 6,040 |
| Noninterest income to average assets | 0.4169% | 4,767 |
| Noninterest expense to average assets | 2.5461% | 5,629 |
| Loan and lease loss provision to assets | 0.8782% | 1,864 |
| Net operating income to assets | -0.2325% | 6,149 |
| Return on assets (ROA) | -0.0992% | 6,049 |
| Pretax return on assets | -0.1784% | 6,069 |
| Return on Equity (ROE) | -0.5323% | 6,017 |
| Retained earnings to average equity (ytd only) | -0.6325% | 5,734 |
| Net charge-offs to loans | 1.4896% | 1,476 |
| Credit loss provision to net charge-offs | 119.0916% | 3,563 |
| Earnings coverage of net charge-offs (x) | 0.6666% | 5,443 |
| Efficiency ratio | 81.5940% | 2,214 |
| Assets per employee ($millions) | 5.6280% | 1,473 |
| Cash dividends to net income (ytd only)* | -18.8142% | 7,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7012% | 1,164 |
| Loan loss allowance to noncurrent loans | 22.1018% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 6.7383% | 833 |
| Noncurrent loans to loans | 12.2214% | 276 |
| Net loans and leases to total assets | 42.6152% | 6,815 |
| Net loans and leases to deposits | 51.7992% | 6,759 |
| Net loans and leases to core deposits | 82.9443% | 3,753 |
| Total domestic deposits to total assets | 82.2700% | 5,100 |
| Equity capital to assets | 17.5304% | 404 |
| Core capital (leverage) ratio | 9.0095% | 4,535 |
| Tier 1 risk-based capital ratio | 17.3648% | 2,216 |
| Total risk-based capital ratio | 18.6314% | 2,178 |
| Memoranda: | ||
| Average total assets | $2,158,611,800 | 330 |
| Average earning assets | $1,724,887,800 | 362 |
| Average equity | $402,402,200 | 208 |
| Average total loans | $1,068,612,600 | 421 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4479% | 2,655 |
| Cost of funding earning assets | 2.0596% | 612 |
| Net interest margin | 3.3883% | 5,722 |
| Noninterest income to average assets | 0.5797% | 3,583 |
| Noninterest expense to average assets | 2.3684% | 6,122 |
| Loan and lease loss provision to assets | 1.2389% | 1,142 |
| Net operating income to assets | -0.2015% | 6,325 |
| Return on assets (ROA) | -0.0513% | 6,216 |
| Pretax return on assets | -0.1061% | 6,226 |
| Return on Equity (ROE) | -0.2707% | 6,181 |
| Retained earnings to average equity (ytd only) | -0.4038% | 5,891 |
| Net charge-offs to loans | 1.7968% | 1,079 |
| Credit loss provision to net charge-offs | 135.1429% | 2,978 |
| Earnings coverage of net charge-offs (x) | 0.9797% | 5,076 |
| Efficiency ratio | 70.4142% | 3,984 |
| Assets per employee ($millions) | 5.2847% | 1,839 |
| Cash dividends to net income (ytd only)* | -49.1462% | 7,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8938% | 917 |
| Loan loss allowance to noncurrent loans | 25.6615% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 9.8172% | 422 |
| Noncurrent loans to loans | 11.2770% | 330 |
| Net loans and leases to total assets | 45.8444% | 6,710 |
| Net loans and leases to deposits | 56.9398% | 6,550 |
| Net loans and leases to core deposits | 90.1080% | 3,076 |
| Total domestic deposits to total assets | 80.5139% | 5,540 |
| Equity capital to assets | 19.1013% | 344 |
| Core capital (leverage) ratio | 9.3761% | 4,096 |
| Tier 1 risk-based capital ratio | 16.9526% | 2,357 |
| Total risk-based capital ratio | 18.2211% | 2,311 |
| Memoranda: | ||
| Average total assets | $2,132,654,250 | 330 |
| Average earning assets | $1,691,099,750 | 368 |
| Average equity | $403,849,000 | 207 |
| Average total loans | $1,088,038,250 | 420 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5412% | 2,363 |
| Cost of funding earning assets | 2.0920% | 676 |
| Net interest margin | 3.4492% | 5,440 |
| Noninterest income to average assets | 0.4866% | 4,218 |
| Noninterest expense to average assets | 2.2519% | 6,500 |
| Loan and lease loss provision to assets | 1.6130% | 809 |
| Net operating income to assets | -0.3829% | 6,548 |
| Return on assets (ROA) | -0.1939% | 6,399 |
| Pretax return on assets | -0.3269% | 6,455 |
| Return on Equity (ROE) | -1.0271% | 6,318 |
| Retained earnings to average equity (ytd only) | -1.2266% | 6,019 |
| Net charge-offs to loans | 2.0942% | 861 |
| Credit loss provision to net charge-offs | 147.3477% | 2,681 |
| Earnings coverage of net charge-offs (x) | 0.9052% | 4,867 |
| Efficiency ratio | 67.3414% | 4,705 |
| Assets per employee ($millions) | 5.3246% | 1,784 |
| Cash dividends to net income (ytd only)* | -19.4311% | 7,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7503% | 1,043 |
| Loan loss allowance to noncurrent loans | 23.7506% | 6,750 |
| Noncurrent assets plus other real estate owned to assets | 9.4973% | 447 |
| Noncurrent loans to loans | 11.5801% | 318 |
| Net loans and leases to total assets | 48.3511% | 6,603 |
| Net loans and leases to deposits | 60.1377% | 6,397 |
| Net loans and leases to core deposits | 96.6593% | 2,367 |
| Total domestic deposits to total assets | 80.4006% | 5,591 |
| Equity capital to assets | 18.9176% | 350 |
| Core capital (leverage) ratio | 9.2051% | 4,292 |
| Tier 1 risk-based capital ratio | 16.3943% | 2,519 |
| Total risk-based capital ratio | 17.6625% | 2,453 |
| Memoranda: | ||
| Average total assets | $2,138,908,330 | 327 |
| Average earning assets | $1,709,169,000 | 364 |
| Average equity | $403,872,000 | 208 |
| Average total loans | $1,118,057,000 | 408 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5933% | 2,176 |
| Cost of funding earning assets | 2.1137% | 778 |
| Net interest margin | 3.4797% | 5,242 |
| Noninterest income to average assets | 0.3253% | 5,552 |
| Noninterest expense to average assets | 2.1451% | 6,820 |
| Loan and lease loss provision to assets | 1.9587% | 571 |
| Net operating income to assets | -0.6155% | 6,906 |
| Return on assets (ROA) | -0.3992% | 6,797 |
| Pretax return on assets | -0.6404% | 6,866 |
| Return on Equity (ROE) | -2.1163% | 6,648 |
| Retained earnings to average equity (ytd only) | -2.3652% | 6,269 |
| Net charge-offs to loans | 2.2184% | 769 |
| Credit loss provision to net charge-offs | 164.8819% | 2,204 |
| Earnings coverage of net charge-offs (x) | 0.8254% | 4,308 |
| Efficiency ratio | 66.4512% | 5,020 |
| Assets per employee ($millions) | 5.4410% | 1,726 |
| Cash dividends to net income (ytd only)* | -11.7619% | 7,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4437% | 1,366 |
| Loan loss allowance to noncurrent loans | 17.6233% | 7,124 |
| Noncurrent assets plus other real estate owned to assets | 9.3045% | 458 |
| Noncurrent loans to loans | 13.8665% | 219 |
| Net loans and leases to total assets | 51.8566% | 6,289 |
| Net loans and leases to deposits | 64.1790% | 6,035 |
| Net loans and leases to core deposits | 101.8620% | 1,925 |
| Total domestic deposits to total assets | 80.8000% | 5,520 |
| Equity capital to assets | 18.7527% | 355 |
| Core capital (leverage) ratio | 8.9813% | 4,601 |
| Tier 1 risk-based capital ratio | 16.1119% | 2,613 |
| Total risk-based capital ratio | 17.3778% | 2,555 |
| Memoranda: | ||
| Average total assets | $2,138,108,500 | 332 |
| Average earning assets | $1,720,618,500 | 374 |
| Average equity | $403,342,000 | 210 |
| Average total loans | $1,144,971,000 | 419 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1042% | 1,505 |
| Cost of funding earning assets | 2.5209% | 981 |
| Net interest margin | 3.5834% | 4,606 |
| Noninterest income to average assets | 0.6402% | 3,354 |
| Noninterest expense to average assets | 1.9687% | 7,414 |
| Loan and lease loss provision to assets | 1.3036% | 1,771 |
| Net operating income to assets | 0.2693% | 4,648 |
| Return on assets (ROA) | 0.3701% | 4,349 |
| Pretax return on assets | 0.5319% | 4,104 |
| Return on Equity (ROE) | 2.4873% | 4,714 |
| Retained earnings to average equity (ytd only) | 1.7580% | 3,855 |
| Net charge-offs to loans | 1.3855% | 1,808 |
| Credit loss provision to net charge-offs | 161.8597% | 2,728 |
| Earnings coverage of net charge-offs (x) | 2.1002% | 4,162 |
| Efficiency ratio | 52.2804% | 7,365 |
| Assets per employee ($millions) | 5.5245% | 1,622 |
| Cash dividends to net income (ytd only)* | 29.3228% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0625% | 1,881 |
| Loan loss allowance to noncurrent loans | 18.4429% | 7,128 |
| Noncurrent assets plus other real estate owned to assets | 7.9277% | 573 |
| Noncurrent loans to loans | 11.1830% | 337 |
| Net loans and leases to total assets | 52.8351% | 6,323 |
| Net loans and leases to deposits | 65.6714% | 6,088 |
| Net loans and leases to core deposits | 132.1757% | 1,161 |
| Total domestic deposits to total assets | 80.4538% | 5,534 |
| Equity capital to assets | 18.9768% | 368 |
| Core capital (leverage) ratio | 9.2692% | 4,025 |
| Tier 1 risk-based capital ratio | 15.8806% | 2,575 |
| Total risk-based capital ratio | 17.1413% | 2,501 |
| Memoranda: | ||
| Average total assets | $1,982,872,800 | 358 |
| Average earning assets | $1,671,114,800 | 387 |
| Average equity | $295,056,800 | 254 |
| Average total loans | $1,152,637,600 | 420 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1980% | 1,384 |
| Cost of funding earning assets | 2.6109% | 1,006 |
| Net interest margin | 3.5871% | 4,528 |
| Noninterest income to average assets | 0.6633% | 3,268 |
| Noninterest expense to average assets | 1.8790% | 7,570 |
| Loan and lease loss provision to assets | 1.1520% | 1,683 |
| Net operating income to assets | 0.4654% | 4,143 |
| Return on assets (ROA) | 0.5339% | 3,938 |
| Pretax return on assets | 0.7917% | 3,567 |
| Return on Equity (ROE) | 3.8810% | 4,427 |
| Retained earnings to average equity (ytd only) | 3.1079% | 3,583 |
| Net charge-offs to loans | 0.9459% | 2,081 |
| Credit loss provision to net charge-offs | 205.4761% | 2,163 |
| Earnings coverage of net charge-offs (x) | 3.2843% | 3,595 |
| Efficiency ratio | 49.1628% | 7,612 |
| Assets per employee ($millions) | 5.7815% | 1,368 |
| Cash dividends to net income (ytd only)* | 19.9204% | 3,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9311% | 1,957 |
| Loan loss allowance to noncurrent loans | 21.8343% | 6,993 |
| Noncurrent assets plus other real estate owned to assets | 6.4488% | 781 |
| Noncurrent loans to loans | 8.8445% | 513 |
| Net loans and leases to total assets | 52.5109% | 6,559 |
| Net loans and leases to deposits | 65.0499% | 6,398 |
| Net loans and leases to core deposits | 124.2907% | 1,878 |
| Total domestic deposits to total assets | 80.7240% | 5,186 |
| Equity capital to assets | 18.6171% | 454 |
| Core capital (leverage) ratio | 9.3666% | 4,092 |
| Tier 1 risk-based capital ratio | 15.8085% | 2,702 |
| Total risk-based capital ratio | 17.0675% | 2,632 |
| Memoranda: | ||
| Average total assets | $1,945,476,000 | 372 |
| Average earning assets | $1,658,054,500 | 399 |
| Average equity | $267,653,000 | 285 |
| Average total loans | $1,153,193,250 | 438 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3261% | 1,146 |
| Cost of funding earning assets | 2.7074% | 1,014 |
| Net interest margin | 3.6187% | 4,286 |
| Noninterest income to average assets | 0.6763% | 3,140 |
| Noninterest expense to average assets | 1.9468% | 7,558 |
| Loan and lease loss provision to assets | 1.4732% | 1,173 |
| Net operating income to assets | 0.2727% | 5,003 |
| Return on assets (ROA) | 0.3353% | 4,850 |
| Pretax return on assets | 0.4791% | 4,690 |
| Return on Equity (ROE) | 2.8238% | 4,967 |
| Retained earnings to average equity (ytd only) | 2.0021% | 4,228 |
| Net charge-offs to loans | 1.1053% | 1,639 |
| Credit loss provision to net charge-offs | 216.7480% | 2,121 |
| Earnings coverage of net charge-offs (x) | 2.7408% | 3,712 |
| Efficiency ratio | 50.0786% | 7,664 |
| Assets per employee ($millions) | 5.5743% | 1,522 |
| Cash dividends to net income (ytd only)* | 29.1002% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 1,892 |
| Loan loss allowance to noncurrent loans | 27.2067% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 5.3732% | 942 |
| Noncurrent loans to loans | 6.8239% | 734 |
| Net loans and leases to total assets | 54.2112% | 6,419 |
| Net loans and leases to deposits | 66.3311% | 6,357 |
| Net loans and leases to core deposits | 121.9107% | 2,215 |
| Total domestic deposits to total assets | 81.7281% | 4,803 |
| Equity capital to assets | 17.7057% | 579 |
| Core capital (leverage) ratio | 7.8087% | 6,603 |
| Tier 1 risk-based capital ratio | 12.4872% | 4,530 |
| Total risk-based capital ratio | 13.7425% | 4,449 |
| Memoranda: | ||
| Average total assets | $1,869,359,000 | 397 |
| Average earning assets | $1,618,628,000 | 415 |
| Average equity | $221,969,670 | 336 |
| Average total loans | $1,149,599,670 | 458 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6413% | 649 |
| Cost of funding earning assets | 2.7120% | 1,234 |
| Net interest margin | 3.9293% | 2,931 |
| Noninterest income to average assets | 0.6978% | 2,901 |
| Noninterest expense to average assets | 1.8988% | 7,545 |
| Loan and lease loss provision to assets | 2.9266% | 375 |
| Net operating income to assets | -0.3730% | 6,757 |
| Return on assets (ROA) | -0.3730% | 6,832 |
| Pretax return on assets | -0.5973% | 6,902 |
| Return on Equity (ROE) | -4.4129% | 6,927 |
| Retained earnings to average equity (ytd only) | -5.4037% | 6,612 |
| Net charge-offs to loans | 0.0531% | 4,724 |
| Credit loss provision to net charge-offs | 8,450.9804% | 79 |
| Earnings coverage of net charge-offs (x) | 67.2614% | 594 |
| Efficiency ratio | 44.9036% | 7,895 |
| Assets per employee ($millions) | 4.7944% | 2,303 |
| Cash dividends to net income (ytd only)* | -22.4515% | 8,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2792% | 973 |
| Loan loss allowance to noncurrent loans | 101.5446% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 3.1553% | 1,775 |
| Noncurrent loans to loans | 2.2445% | 2,937 |
| Net loans and leases to total assets | 63.8337% | 5,022 |
| Net loans and leases to deposits | 72.8463% | 5,639 |
| Net loans and leases to core deposits | 133.7345% | 1,426 |
| Total domestic deposits to total assets | 87.6279% | 1,912 |
| Equity capital to assets | 8.3523% | 6,311 |
| Core capital (leverage) ratio | 7.7918% | 6,758 |
| Tier 1 risk-based capital ratio | 11.5084% | 5,406 |
| Total risk-based capital ratio | 12.7663% | 5,290 |
| Memoranda: | ||
| Average total assets | $1,767,226,000 | 421 |
| Average earning assets | $1,587,759,500 | 421 |
| Average equity | $149,379,500 | 470 |
| Average total loans | $1,151,699,000 | 460 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4546% | 450 |
| Cost of funding earning assets | 3.1147% | 1,464 |
| Net interest margin | 4.3398% | 1,857 |
| Noninterest income to average assets | 0.7454% | 2,808 |
| Noninterest expense to average assets | 2.0621% | 7,317 |
| Loan and lease loss provision to assets | 0.3145% | 3,859 |
| Net operating income to assets | 1.5098% | 1,002 |
| Return on assets (ROA) | 1.6098% | 781 |
| Pretax return on assets | 2.4449% | 222 |
| Return on Equity (ROE) | 20.4972% | 338 |
| Retained earnings to average equity (ytd only) | 19.4768% | 37 |
| Net charge-offs to loans | 0.1192% | 5,065 |
| Credit loss provision to net charge-offs | 421.4286% | 1,036 |
| Earnings coverage of net charge-offs (x) | 34.9421% | 1,037 |
| Efficiency ratio | 44.1572% | 8,008 |
| Assets per employee ($millions) | 4.5951% | 2,483 |
| Cash dividends to net income (ytd only)* | 4.9783% | 4,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 4,383 |
| Loan loss allowance to noncurrent loans | 60.4531% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 3.2996% | 1,370 |
| Noncurrent loans to loans | 2.0178% | 2,742 |
| Net loans and leases to total assets | 64.2205% | 5,230 |
| Net loans and leases to deposits | 81.3006% | 4,827 |
| Net loans and leases to core deposits | 144.9003% | 1,058 |
| Total domestic deposits to total assets | 78.9914% | 5,382 |
| Equity capital to assets | 8.5557% | 6,001 |
| Core capital (leverage) ratio | 7.9876% | 6,516 |
| Tier 1 risk-based capital ratio | 11.3759% | 5,357 |
| Total risk-based capital ratio | 12.5080% | 5,363 |
| Memoranda: | ||
| Average total assets | $1,688,245,200 | 422 |
| Average earning assets | $1,526,713,400 | 421 |
| Average equity | $132,593,400 | 526 |
| Average total loans | $1,057,163,000 | 472 |