Home > LegacyTexas Bank > Performance and Condition Ratios
LegacyTexas Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 1,594 |
| Cost of funding earning assets | 1.1325% | 1,226 |
| Net interest margin | 3.8467% | 2,452 |
| Noninterest income to average assets | 0.4010% | 3,314 |
| Noninterest expense to average assets | 1.7947% | 4,822 |
| Loan and lease loss provision to assets | 0.3732% | 349 |
| Net operating income to assets | 1.4715% | 1,270 |
| Return on assets (ROA) | 1.4716% | 1,328 |
| Pretax return on assets | 1.8610% | 959 |
| Return on Equity (ROE) | 11.8350% | 1,673 |
| Retained earnings to average equity (ytd only) | 5.5916% | 2,578 |
| Net charge-offs to loans | 0.4407% | 379 |
| Credit loss provision to net charge-offs | 97.6102% | 2,311 |
| Earnings coverage of net charge-offs (x) | 5.8432% | 2,878 |
| Efficiency ratio | 44.5203% | 4,989 |
| Assets per employee ($millions) | 12.2019% | 205 |
| Cash dividends to net income (ytd only)* | 52.7534% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 4,584 |
| Loan loss allowance to noncurrent loans | 190.5446% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 2,907 |
| Noncurrent loans to loans | 0.3830% | 3,182 |
| Net loans and leases to total assets | 86.7482% | 151 |
| Net loans and leases to deposits | 137.2588% | 27 |
| Net loans and leases to core deposits | 174.5553% | 64 |
| Total domestic deposits to total assets | 63.2004% | 5,138 |
| Equity capital to assets | 11.8209% | 2,400 |
| Core capital (leverage) ratio | 10.9183% | 2,719 |
| Tier 1 risk-based capital ratio | 10.9969% | 4,907 |
| Total risk-based capital ratio | 11.6978% | 5,016 |
| Memoranda: | ||
| Average total assets | $9,703,639,000 | 144 |
| Average earning assets | $9,151,744,000 | 140 |
| Average equity | $1,206,580,500 | 144 |
| Average total loans | $8,419,387,750 | 129 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0265% | 1,406 |
| Cost of funding earning assets | 1.1139% | 1,246 |
| Net interest margin | 3.9127% | 2,210 |
| Noninterest income to average assets | 0.3857% | 3,363 |
| Noninterest expense to average assets | 1.8572% | 4,808 |
| Loan and lease loss provision to assets | 0.5496% | 202 |
| Net operating income to assets | 1.3175% | 1,710 |
| Return on assets (ROA) | 1.3176% | 1,766 |
| Pretax return on assets | 1.6710% | 1,332 |
| Return on Equity (ROE) | 10.4070% | 2,210 |
| Retained earnings to average equity (ytd only) | 5.1405% | 2,702 |
| Net charge-offs to loans | 0.0286% | 2,280 |
| Credit loss provision to net charge-offs | 2,217.0794% | 167 |
| Earnings coverage of net charge-offs (x) | 89.5798% | 750 |
| Efficiency ratio | 45.5193% | 5,008 |
| Assets per employee ($millions) | 11.2550% | 253 |
| Cash dividends to net income (ytd only)* | 50.6048% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,275 |
| Loan loss allowance to noncurrent loans | 149.0047% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 2,120 |
| Noncurrent loans to loans | 0.7129% | 2,202 |
| Net loans and leases to total assets | 86.4230% | 187 |
| Net loans and leases to deposits | 121.0632% | 79 |
| Net loans and leases to core deposits | 157.0513% | 101 |
| Total domestic deposits to total assets | 71.3867% | 5,000 |
| Equity capital to assets | 12.2404% | 2,028 |
| Core capital (leverage) ratio | 11.0728% | 2,528 |
| Tier 1 risk-based capital ratio | 11.2890% | 4,792 |
| Total risk-based capital ratio | 12.2996% | 4,802 |
| Memoranda: | ||
| Average total assets | $9,448,428,000 | 150 |
| Average earning assets | $8,915,503,670 | 143 |
| Average equity | $1,196,254,000 | 146 |
| Average total loans | $8,176,295,670 | 131 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9527% | 1,471 |
| Cost of funding earning assets | 1.0612% | 1,331 |
| Net interest margin | 3.8915% | 2,219 |
| Noninterest income to average assets | 0.3690% | 3,382 |
| Noninterest expense to average assets | 1.8891% | 4,814 |
| Loan and lease loss provision to assets | 0.4276% | 267 |
| Net operating income to assets | 1.3564% | 1,503 |
| Return on assets (ROA) | 1.3566% | 1,546 |
| Pretax return on assets | 1.7234% | 1,160 |
| Return on Equity (ROE) | 10.5265% | 2,147 |
| Retained earnings to average equity (ytd only) | 4.4564% | 3,144 |
| Net charge-offs to loans | -0.0133% | 4,337 |
| Credit loss provision to net charge-offs | -3,741.0646% | 4,168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7316% | 4,992 |
| Assets per employee ($millions) | 10.6841% | 278 |
| Cash dividends to net income (ytd only)* | 57.6646% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 3,921 |
| Loan loss allowance to noncurrent loans | 127.3614% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 2,083 |
| Noncurrent loans to loans | 0.7550% | 2,141 |
| Net loans and leases to total assets | 85.4202% | 241 |
| Net loans and leases to deposits | 112.2494% | 174 |
| Net loans and leases to core deposits | 148.3997% | 133 |
| Total domestic deposits to total assets | 76.0986% | 4,749 |
| Equity capital to assets | 12.7841% | 1,574 |
| Core capital (leverage) ratio | 11.6847% | 1,995 |
| Tier 1 risk-based capital ratio | 11.7803% | 4,575 |
| Total risk-based capital ratio | 12.6842% | 4,680 |
| Memoranda: | ||
| Average total assets | $9,203,558,000 | 152 |
| Average earning assets | $8,681,585,000 | 146 |
| Average equity | $1,186,146,000 | 147 |
| Average total loans | $7,923,903,000 | 133 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9602% | 1,129 |
| Cost of funding earning assets | 0.8750% | 1,193 |
| Net interest margin | 4.0853% | 1,731 |
| Noninterest income to average assets | 0.4359% | 3,196 |
| Noninterest expense to average assets | 1.8478% | 4,956 |
| Loan and lease loss provision to assets | 0.3962% | 346 |
| Net operating income to assets | 1.8070% | 542 |
| Return on assets (ROA) | 1.8053% | 539 |
| Pretax return on assets | 2.0474% | 503 |
| Return on Equity (ROE) | 14.9435% | 844 |
| Retained earnings to average equity (ytd only) | 12.2515% | 302 |
| Net charge-offs to loans | 0.5091% | 348 |
| Credit loss provision to net charge-offs | 90.2708% | 2,716 |
| Earnings coverage of net charge-offs (x) | 5.5724% | 3,181 |
| Efficiency ratio | 42.9997% | 5,210 |
| Assets per employee ($millions) | 10.4602% | 298 |
| Cash dividends to net income (ytd only)* | 18.0146% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8662% | 4,309 |
| Loan loss allowance to noncurrent loans | 298.7638% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 3,473 |
| Noncurrent loans to loans | 0.2899% | 3,527 |
| Net loans and leases to total assets | 85.1933% | 299 |
| Net loans and leases to deposits | 112.2273% | 202 |
| Net loans and leases to core deposits | 146.7948% | 152 |
| Total domestic deposits to total assets | 75.9114% | 4,763 |
| Equity capital to assets | 12.9951% | 1,352 |
| Core capital (leverage) ratio | 11.5710% | 2,045 |
| Tier 1 risk-based capital ratio | 12.0387% | 4,405 |
| Total risk-based capital ratio | 12.8545% | 4,556 |
| Memoranda: | ||
| Average total assets | $9,070,803,000 | 150 |
| Average earning assets | $8,564,977,200 | 144 |
| Average equity | $1,095,834,600 | 152 |
| Average total loans | $7,819,017,000 | 126 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 1,187 |
| Cost of funding earning assets | 0.8394% | 1,155 |
| Net interest margin | 4.0492% | 1,796 |
| Noninterest income to average assets | 0.4513% | 3,162 |
| Noninterest expense to average assets | 1.8448% | 4,986 |
| Loan and lease loss provision to assets | 0.5280% | 204 |
| Net operating income to assets | 1.5141% | 1,162 |
| Return on assets (ROA) | 1.5120% | 1,161 |
| Pretax return on assets | 1.9003% | 816 |
| Return on Equity (ROE) | 12.7569% | 1,520 |
| Retained earnings to average equity (ytd only) | 10.2155% | 853 |
| Net charge-offs to loans | 0.6964% | 208 |
| Credit loss provision to net charge-offs | 87.8993% | 2,444 |
| Earnings coverage of net charge-offs (x) | 4.0466% | 3,103 |
| Efficiency ratio | 43.1048% | 5,245 |
| Assets per employee ($millions) | 10.5766% | 281 |
| Cash dividends to net income (ytd only)* | 19.9217% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8452% | 4,479 |
| Loan loss allowance to noncurrent loans | 375.1993% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 3,871 |
| Noncurrent loans to loans | 0.2253% | 3,900 |
| Net loans and leases to total assets | 85.6791% | 293 |
| Net loans and leases to deposits | 114.2660% | 177 |
| Net loans and leases to core deposits | 146.8697% | 153 |
| Total domestic deposits to total assets | 74.9821% | 4,886 |
| Equity capital to assets | 12.3182% | 1,687 |
| Core capital (leverage) ratio | 10.5772% | 2,998 |
| Tier 1 risk-based capital ratio | 11.4096% | 4,843 |
| Total risk-based capital ratio | 12.2140% | 4,953 |
| Memoranda: | ||
| Average total assets | $9,073,864,000 | 148 |
| Average earning assets | $8,570,257,000 | 142 |
| Average equity | $1,075,501,500 | 153 |
| Average total loans | $7,827,592,000 | 125 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7569% | 1,361 |
| Cost of funding earning assets | 0.7788% | 1,227 |
| Net interest margin | 3.9781% | 1,931 |
| Noninterest income to average assets | 0.4349% | 3,255 |
| Noninterest expense to average assets | 1.8586% | 5,018 |
| Loan and lease loss provision to assets | 0.7329% | 133 |
| Net operating income to assets | 1.2789% | 1,861 |
| Return on assets (ROA) | 1.2765% | 1,875 |
| Pretax return on assets | 1.5988% | 1,505 |
| Return on Equity (ROE) | 10.9130% | 2,148 |
| Retained earnings to average equity (ytd only) | 7.9911% | 1,641 |
| Net charge-offs to loans | 1.0254% | 127 |
| Credit loss provision to net charge-offs | 82.8989% | 2,230 |
| Earnings coverage of net charge-offs (x) | 2.6408% | 2,958 |
| Efficiency ratio | 44.2780% | 5,276 |
| Assets per employee ($millions) | 10.9237% | 246 |
| Cash dividends to net income (ytd only)* | 26.7745% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8051% | 4,675 |
| Loan loss allowance to noncurrent loans | 328.0145% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2847% | 3,627 |
| Noncurrent loans to loans | 0.2454% | 3,826 |
| Net loans and leases to total assets | 85.8215% | 280 |
| Net loans and leases to deposits | 114.8346% | 179 |
| Net loans and leases to core deposits | 150.9108% | 114 |
| Total domestic deposits to total assets | 74.7349% | 4,973 |
| Equity capital to assets | 11.6828% | 2,072 |
| Core capital (leverage) ratio | 10.3214% | 3,219 |
| Tier 1 risk-based capital ratio | 10.7194% | 5,185 |
| Total risk-based capital ratio | 11.4869% | 5,284 |
| Memoranda: | ||
| Average total assets | $9,070,039,670 | 147 |
| Average earning assets | $8,568,853,000 | 139 |
| Average equity | $1,060,951,670 | 153 |
| Average total loans | $7,819,927,000 | 125 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 1,562 |
| Cost of funding earning assets | 0.7163% | 1,361 |
| Net interest margin | 3.8865% | 2,097 |
| Noninterest income to average assets | 0.4936% | 2,843 |
| Noninterest expense to average assets | 1.9187% | 4,995 |
| Loan and lease loss provision to assets | 0.6965% | 141 |
| Net operating income to assets | 1.2474% | 1,815 |
| Return on assets (ROA) | 1.2429% | 1,845 |
| Pretax return on assets | 1.5443% | 1,548 |
| Return on Equity (ROE) | 10.6185% | 2,121 |
| Retained earnings to average equity (ytd only) | 7.7639% | 1,934 |
| Net charge-offs to loans | 0.6433% | 234 |
| Credit loss provision to net charge-offs | 125.8046% | 1,354 |
| Earnings coverage of net charge-offs (x) | 4.0577% | 2,336 |
| Efficiency ratio | 46.0058% | 5,275 |
| Assets per employee ($millions) | 10.4218% | 279 |
| Cash dividends to net income (ytd only)* | 26.8827% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 4,082 |
| Loan loss allowance to noncurrent loans | 149.5634% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 2,384 |
| Noncurrent loans to loans | 0.6531% | 2,591 |
| Net loans and leases to total assets | 85.1646% | 327 |
| Net loans and leases to deposits | 108.0639% | 316 |
| Net loans and leases to core deposits | 141.0157% | 205 |
| Total domestic deposits to total assets | 78.8095% | 4,606 |
| Equity capital to assets | 11.9472% | 1,827 |
| Core capital (leverage) ratio | 10.4412% | 3,018 |
| Tier 1 risk-based capital ratio | 10.8965% | 5,190 |
| Total risk-based capital ratio | 11.8213% | 5,236 |
| Memoranda: | ||
| Average total assets | $8,978,892,500 | 146 |
| Average earning assets | $8,482,696,000 | 141 |
| Average equity | $1,050,963,000 | 153 |
| Average total loans | $7,727,420,500 | 126 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 1,563 |
| Cost of funding earning assets | 0.5801% | 1,740 |
| Net interest margin | 3.9694% | 1,844 |
| Noninterest income to average assets | 0.3822% | 3,748 |
| Noninterest expense to average assets | 1.7746% | 5,260 |
| Loan and lease loss provision to assets | 0.4563% | 298 |
| Net operating income to assets | 1.0966% | 1,866 |
| Return on assets (ROA) | 1.0963% | 1,885 |
| Pretax return on assets | 1.8927% | 609 |
| Return on Equity (ROE) | 9.5105% | 2,092 |
| Retained earnings to average equity (ytd only) | 6.0554% | 1,515 |
| Net charge-offs to loans | 0.4442% | 545 |
| Credit loss provision to net charge-offs | 120.1498% | 2,176 |
| Earnings coverage of net charge-offs (x) | 6.1861% | 3,220 |
| Efficiency ratio | 42.9579% | 5,476 |
| Assets per employee ($millions) | 10.6551% | 260 |
| Cash dividends to net income (ytd only)* | 36.3293% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,414 |
| Loan loss allowance to noncurrent loans | 75.6469% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 1.1223% | 1,331 |
| Noncurrent loans to loans | 1.2042% | 1,471 |
| Net loans and leases to total assets | 85.3336% | 309 |
| Net loans and leases to deposits | 114.0967% | 178 |
| Net loans and leases to core deposits | 144.6535% | 167 |
| Total domestic deposits to total assets | 74.7906% | 5,108 |
| Equity capital to assets | 11.4683% | 2,226 |
| Core capital (leverage) ratio | 9.9759% | 3,487 |
| Tier 1 risk-based capital ratio | 10.3868% | 5,407 |
| Total risk-based capital ratio | 11.2517% | 5,478 |
| Memoranda: | ||
| Average total assets | $8,787,444,800 | 143 |
| Average earning assets | $8,283,798,600 | 137 |
| Average equity | $1,012,996,400 | 147 |
| Average total loans | $7,513,660,400 | 119 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 1,581 |
| Cost of funding earning assets | 0.5521% | 1,877 |
| Net interest margin | 3.9697% | 1,803 |
| Noninterest income to average assets | 0.4443% | 3,374 |
| Noninterest expense to average assets | 1.7811% | 5,294 |
| Loan and lease loss provision to assets | 0.5540% | 203 |
| Net operating income to assets | 1.2287% | 1,580 |
| Return on assets (ROA) | 1.2283% | 1,613 |
| Pretax return on assets | 1.8494% | 785 |
| Return on Equity (ROE) | 10.6412% | 1,851 |
| Retained earnings to average equity (ytd only) | 7.3930% | 1,496 |
| Net charge-offs to loans | 0.5511% | 363 |
| Credit loss provision to net charge-offs | 117.7925% | 2,033 |
| Earnings coverage of net charge-offs (x) | 5.1113% | 3,150 |
| Efficiency ratio | 42.4842% | 5,526 |
| Assets per employee ($millions) | 10.4990% | 269 |
| Cash dividends to net income (ytd only)* | 30.5246% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 4,569 |
| Loan loss allowance to noncurrent loans | 90.8895% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 1,726 |
| Noncurrent loans to loans | 0.9909% | 1,953 |
| Net loans and leases to total assets | 84.9632% | 342 |
| Net loans and leases to deposits | 113.5512% | 192 |
| Net loans and leases to core deposits | 143.6836% | 167 |
| Total domestic deposits to total assets | 74.8236% | 5,144 |
| Equity capital to assets | 11.4413% | 2,429 |
| Core capital (leverage) ratio | 9.8745% | 3,725 |
| Tier 1 risk-based capital ratio | 10.2166% | 5,540 |
| Total risk-based capital ratio | 11.0608% | 5,600 |
| Memoranda: | ||
| Average total assets | $8,712,098,250 | 146 |
| Average earning assets | $8,209,550,000 | 138 |
| Average equity | $1,005,661,000 | 149 |
| Average total loans | $7,435,294,250 | 122 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 1,575 |
| Cost of funding earning assets | 0.5028% | 2,142 |
| Net interest margin | 3.9761% | 1,691 |
| Noninterest income to average assets | 0.4555% | 3,315 |
| Noninterest expense to average assets | 1.7943% | 5,318 |
| Loan and lease loss provision to assets | 0.6727% | 166 |
| Net operating income to assets | 1.1591% | 1,745 |
| Return on assets (ROA) | 1.1588% | 1,787 |
| Pretax return on assets | 1.7319% | 983 |
| Return on Equity (ROE) | 10.0075% | 2,033 |
| Retained earnings to average equity (ytd only) | 6.3892% | 1,906 |
| Net charge-offs to loans | 0.5022% | 394 |
| Credit loss provision to net charge-offs | 157.1934% | 1,484 |
| Earnings coverage of net charge-offs (x) | 5.6200% | 2,807 |
| Efficiency ratio | 42.6501% | 5,558 |
| Assets per employee ($millions) | 10.4096% | 266 |
| Cash dividends to net income (ytd only)* | 36.1562% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 4,287 |
| Loan loss allowance to noncurrent loans | 75.7004% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.2401% | 1,361 |
| Noncurrent loans to loans | 1.2900% | 1,491 |
| Net loans and leases to total assets | 84.8617% | 356 |
| Net loans and leases to deposits | 115.5599% | 167 |
| Net loans and leases to core deposits | 148.9875% | 127 |
| Total domestic deposits to total assets | 73.4352% | 5,339 |
| Equity capital to assets | 11.2926% | 2,499 |
| Core capital (leverage) ratio | 10.0507% | 3,477 |
| Tier 1 risk-based capital ratio | 9.9661% | 5,637 |
| Total risk-based capital ratio | 10.8756% | 5,673 |
| Memoranda: | ||
| Average total assets | $8,592,411,330 | 146 |
| Average earning assets | $8,090,357,000 | 139 |
| Average equity | $994,929,670 | 147 |
| Average total loans | $7,321,329,670 | 122 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 1,308 |
| Cost of funding earning assets | 0.4632% | 2,394 |
| Net interest margin | 4.0649% | 1,311 |
| Noninterest income to average assets | 0.4851% | 3,073 |
| Noninterest expense to average assets | 1.8277% | 5,338 |
| Loan and lease loss provision to assets | 1.0807% | 80 |
| Net operating income to assets | 0.9536% | 2,508 |
| Return on assets (ROA) | 0.9530% | 2,571 |
| Pretax return on assets | 1.4004% | 1,890 |
| Return on Equity (ROE) | 8.1230% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.1230% | 1,409 |
| Net charge-offs to loans | 0.9315% | 180 |
| Credit loss provision to net charge-offs | 136.5824% | 1,274 |
| Earnings coverage of net charge-offs (x) | 3.1369% | 2,508 |
| Efficiency ratio | 42.3204% | 5,646 |
| Assets per employee ($millions) | 9.7562% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 4,347 |
| Loan loss allowance to noncurrent loans | 65.9381% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.4315% | 1,154 |
| Noncurrent loans to loans | 1.5020% | 1,328 |
| Net loans and leases to total assets | 83.7020% | 401 |
| Net loans and leases to deposits | 110.2974% | 210 |
| Net loans and leases to core deposits | 138.4518% | 183 |
| Total domestic deposits to total assets | 75.8875% | 5,240 |
| Equity capital to assets | 11.7620% | 1,992 |
| Core capital (leverage) ratio | 10.2045% | 3,233 |
| Tier 1 risk-based capital ratio | 10.4752% | 5,555 |
| Total risk-based capital ratio | 11.3969% | 5,617 |
| Memoranda: | ||
| Average total assets | $8,402,061,500 | 150 |
| Average earning assets | $7,905,276,000 | 139 |
| Average equity | $985,746,000 | 147 |
| Average total loans | $7,137,082,500 | 123 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 1,987 |
| Cost of funding earning assets | 0.3924% | 3,073 |
| Net interest margin | 3.9549% | 1,772 |
| Noninterest income to average assets | 0.5242% | 3,069 |
| Noninterest expense to average assets | 1.9270% | 5,324 |
| Loan and lease loss provision to assets | 0.3165% | 587 |
| Net operating income to assets | 1.2901% | 1,235 |
| Return on assets (ROA) | 1.2906% | 1,308 |
| Pretax return on assets | 1.9900% | 511 |
| Return on Equity (ROE) | 11.4747% | 1,413 |
| Retained earnings to average equity (ytd only) | 11.4747% | 261 |
| Net charge-offs to loans | 0.1185% | 2,071 |
| Credit loss provision to net charge-offs | 320.8286% | 932 |
| Earnings coverage of net charge-offs (x) | 23.3731% | 1,687 |
| Efficiency ratio | 45.4174% | 5,657 |
| Assets per employee ($millions) | 9.4520% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 4,773 |
| Loan loss allowance to noncurrent loans | 57.9989% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 1.4605% | 1,159 |
| Noncurrent loans to loans | 1.5594% | 1,268 |
| Net loans and leases to total assets | 84.5812% | 334 |
| Net loans and leases to deposits | 110.8002% | 207 |
| Net loans and leases to core deposits | 138.9514% | 187 |
| Total domestic deposits to total assets | 76.3367% | 5,203 |
| Equity capital to assets | 11.7021% | 2,009 |
| Core capital (leverage) ratio | 9.7122% | 3,839 |
| Tier 1 risk-based capital ratio | 10.3354% | 5,647 |
| Total risk-based capital ratio | 11.1864% | 5,720 |
| Memoranda: | ||
| Average total assets | $8,025,103,400 | 149 |
| Average earning assets | $7,525,275,000 | 138 |
| Average equity | $902,614,800 | 155 |
| Average total loans | $6,682,447,600 | 125 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3009% | 2,160 |
| Cost of funding earning assets | 0.3754% | 3,275 |
| Net interest margin | 3.9255% | 1,889 |
| Noninterest income to average assets | 0.5452% | 2,943 |
| Noninterest expense to average assets | 1.9402% | 5,308 |
| Loan and lease loss provision to assets | 0.3006% | 563 |
| Net operating income to assets | 1.2849% | 1,342 |
| Return on assets (ROA) | 1.2856% | 1,447 |
| Pretax return on assets | 1.9833% | 591 |
| Return on Equity (ROE) | 11.5533% | 1,475 |
| Retained earnings to average equity (ytd only) | 11.5533% | 352 |
| Net charge-offs to loans | 0.1558% | 1,445 |
| Credit loss provision to net charge-offs | 233.2248% | 1,261 |
| Earnings coverage of net charge-offs (x) | 17.7134% | 2,039 |
| Efficiency ratio | 45.8325% | 5,676 |
| Assets per employee ($millions) | 9.6711% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 5,176 |
| Loan loss allowance to noncurrent loans | 139.4497% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 2,963 |
| Noncurrent loans to loans | 0.5766% | 3,274 |
| Net loans and leases to total assets | 83.7593% | 427 |
| Net loans and leases to deposits | 114.8819% | 171 |
| Net loans and leases to core deposits | 147.9266% | 135 |
| Total domestic deposits to total assets | 72.9091% | 5,531 |
| Equity capital to assets | 11.3229% | 2,684 |
| Core capital (leverage) ratio | 9.6921% | 3,946 |
| Tier 1 risk-based capital ratio | 10.0659% | 5,770 |
| Total risk-based capital ratio | 10.8266% | 5,856 |
| Memoranda: | ||
| Average total assets | $7,940,129,750 | 147 |
| Average earning assets | $7,439,216,750 | 140 |
| Average equity | $883,548,500 | 157 |
| Average total loans | $6,568,111,500 | 126 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2352% | 2,385 |
| Cost of funding earning assets | 0.3574% | 3,481 |
| Net interest margin | 3.8778% | 2,055 |
| Noninterest income to average assets | 0.6242% | 2,488 |
| Noninterest expense to average assets | 1.9442% | 5,381 |
| Loan and lease loss provision to assets | 0.4014% | 381 |
| Net operating income to assets | 1.2294% | 1,503 |
| Return on assets (ROA) | 1.2304% | 1,594 |
| Pretax return on assets | 1.9084% | 684 |
| Return on Equity (ROE) | 11.1281% | 1,595 |
| Retained earnings to average equity (ytd only) | 11.1281% | 426 |
| Net charge-offs to loans | 0.0156% | 3,210 |
| Credit loss provision to net charge-offs | 3,126.2525% | 137 |
| Earnings coverage of net charge-offs (x) | 179.7595% | 361 |
| Efficiency ratio | 45.6051% | 5,769 |
| Assets per employee ($millions) | 9.4820% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9287% | 4,859 |
| Loan loss allowance to noncurrent loans | 144.5028% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 2,881 |
| Noncurrent loans to loans | 0.6427% | 3,150 |
| Net loans and leases to total assets | 82.3159% | 595 |
| Net loans and leases to deposits | 117.3163% | 134 |
| Net loans and leases to core deposits | 148.1335% | 133 |
| Total domestic deposits to total assets | 70.1658% | 5,774 |
| Equity capital to assets | 11.1961% | 2,849 |
| Core capital (leverage) ratio | 9.5338% | 4,158 |
| Tier 1 risk-based capital ratio | 10.1091% | 5,815 |
| Total risk-based capital ratio | 10.9811% | 5,882 |
| Memoranda: | ||
| Average total assets | $7,772,559,000 | 150 |
| Average earning assets | $7,272,129,330 | 142 |
| Average equity | $859,406,330 | 160 |
| Average total loans | $6,381,153,330 | 127 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 2,522 |
| Cost of funding earning assets | 0.3441% | 3,669 |
| Net interest margin | 3.8425% | 2,136 |
| Noninterest income to average assets | 0.6599% | 2,219 |
| Noninterest expense to average assets | 1.9290% | 5,479 |
| Loan and lease loss provision to assets | 0.4614% | 280 |
| Net operating income to assets | 1.2223% | 1,485 |
| Return on assets (ROA) | 1.2223% | 1,591 |
| Pretax return on assets | 1.8630% | 747 |
| Return on Equity (ROE) | 11.1284% | 1,555 |
| Retained earnings to average equity (ytd only) | 11.1284% | 630 |
| Net charge-offs to loans | 0.0263% | 2,416 |
| Credit loss provision to net charge-offs | 2,151.5892% | 195 |
| Earnings coverage of net charge-offs (x) | 108.3936% | 510 |
| Efficiency ratio | 45.2202% | 5,839 |
| Assets per employee ($millions) | 8.8996% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 5,126 |
| Loan loss allowance to noncurrent loans | 126.9947% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7543% | 2,818 |
| Noncurrent loans to loans | 0.6917% | 3,116 |
| Net loans and leases to total assets | 82.7598% | 474 |
| Net loans and leases to deposits | 117.1681% | 118 |
| Net loans and leases to core deposits | 142.0661% | 153 |
| Total domestic deposits to total assets | 70.6334% | 5,841 |
| Equity capital to assets | 11.2486% | 2,682 |
| Core capital (leverage) ratio | 9.5770% | 4,065 |
| Tier 1 risk-based capital ratio | 9.9149% | 5,924 |
| Total risk-based capital ratio | 10.7380% | 5,990 |
| Memoranda: | ||
| Average total assets | $7,628,999,500 | 152 |
| Average earning assets | $7,134,546,000 | 144 |
| Average equity | $837,924,500 | 162 |
| Average total loans | $6,223,436,000 | 126 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5254% | 1,521 |
| Cost of funding earning assets | 0.3556% | 3,644 |
| Net interest margin | 4.1698% | 1,234 |
| Noninterest income to average assets | 0.6001% | 2,713 |
| Noninterest expense to average assets | 2.3270% | 4,715 |
| Loan and lease loss provision to assets | 0.3989% | 341 |
| Net operating income to assets | 1.1443% | 1,749 |
| Return on assets (ROA) | 1.1463% | 1,815 |
| Pretax return on assets | 1.7598% | 876 |
| Return on Equity (ROE) | 10.1320% | 1,964 |
| Retained earnings to average equity (ytd only) | 6.7398% | 1,409 |
| Net charge-offs to loans | 0.0755% | 2,748 |
| Credit loss provision to net charge-offs | 649.4517% | 517 |
| Earnings coverage of net charge-offs (x) | 35.0936% | 1,296 |
| Efficiency ratio | 51.7494% | 5,649 |
| Assets per employee ($millions) | 9.1587% | 362 |
| Cash dividends to net income (ytd only)* | 33.4805% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 5,490 |
| Loan loss allowance to noncurrent loans | 122.7371% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5857% | 3,330 |
| Noncurrent loans to loans | 0.6258% | 3,308 |
| Net loans and leases to total assets | 79.0788% | 976 |
| Net loans and leases to deposits | 115.4204% | 151 |
| Net loans and leases to core deposits | 138.1950% | 187 |
| Total domestic deposits to total assets | 68.5137% | 5,956 |
| Equity capital to assets | 10.7227% | 3,102 |
| Core capital (leverage) ratio | 9.6090% | 4,038 |
| Tier 1 risk-based capital ratio | 9.8746% | 5,977 |
| Total risk-based capital ratio | 10.5962% | 6,060 |
| Memoranda: | ||
| Average total assets | $6,383,627,400 | 163 |
| Average earning assets | $5,943,659,400 | 157 |
| Average equity | $722,234,800 | 170 |
| Average total loans | $5,194,145,800 | 144 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 1,115 |
| Cost of funding earning assets | 0.3726% | 3,512 |
| Net interest margin | 4.3160% | 933 |
| Noninterest income to average assets | 0.6182% | 2,644 |
| Noninterest expense to average assets | 2.4285% | 4,420 |
| Loan and lease loss provision to assets | 0.3141% | 452 |
| Net operating income to assets | 1.2276% | 1,562 |
| Return on assets (ROA) | 1.2303% | 1,609 |
| Pretax return on assets | 1.8921% | 741 |
| Return on Equity (ROE) | 10.6965% | 1,827 |
| Retained earnings to average equity (ytd only) | 7.8253% | 1,320 |
| Net charge-offs to loans | 0.0923% | 2,240 |
| Credit loss provision to net charge-offs | 415.6469% | 739 |
| Earnings coverage of net charge-offs (x) | 29.1439% | 1,531 |
| Efficiency ratio | 52.2774% | 5,635 |
| Assets per employee ($millions) | 8.2793% | 474 |
| Cash dividends to net income (ytd only)* | 26.8423% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6418% | 5,832 |
| Loan loss allowance to noncurrent loans | 54.8120% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 2,292 |
| Noncurrent loans to loans | 1.1709% | 2,184 |
| Net loans and leases to total assets | 81.8650% | 592 |
| Net loans and leases to deposits | 117.9242% | 123 |
| Net loans and leases to core deposits | 139.2970% | 176 |
| Total domestic deposits to total assets | 69.4217% | 5,993 |
| Equity capital to assets | 11.2861% | 2,715 |
| Core capital (leverage) ratio | 9.3570% | 4,506 |
| Tier 1 risk-based capital ratio | 9.7076% | 6,097 |
| Total risk-based capital ratio | 10.3017% | 6,176 |
| Memoranda: | ||
| Average total assets | $6,056,197,000 | 171 |
| Average earning assets | $5,630,139,250 | 164 |
| Average equity | $696,560,250 | 172 |
| Average total loans | $4,959,957,000 | 150 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8163% | 865 |
| Cost of funding earning assets | 0.3862% | 3,415 |
| Net interest margin | 4.4301% | 722 |
| Noninterest income to average assets | 0.6317% | 2,573 |
| Noninterest expense to average assets | 2.5353% | 4,118 |
| Loan and lease loss provision to assets | 0.2335% | 785 |
| Net operating income to assets | 1.2926% | 1,348 |
| Return on assets (ROA) | 1.2973% | 1,391 |
| Pretax return on assets | 1.9891% | 608 |
| Return on Equity (ROE) | 11.1961% | 1,617 |
| Retained earnings to average equity (ytd only) | 6.7179% | 1,835 |
| Net charge-offs to loans | 0.0606% | 2,520 |
| Credit loss provision to net charge-offs | 471.3687% | 654 |
| Earnings coverage of net charge-offs (x) | 44.7207% | 1,039 |
| Efficiency ratio | 53.2105% | 5,636 |
| Assets per employee ($millions) | 8.2161% | 481 |
| Cash dividends to net income (ytd only)* | 39.9979% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5616% | 6,030 |
| Loan loss allowance to noncurrent loans | 114.1109% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4734% | 4,039 |
| Noncurrent loans to loans | 0.4922% | 3,996 |
| Net loans and leases to total assets | 81.9223% | 560 |
| Net loans and leases to deposits | 120.3622% | 93 |
| Net loans and leases to core deposits | 139.9747% | 170 |
| Total domestic deposits to total assets | 68.0631% | 6,110 |
| Equity capital to assets | 11.3243% | 2,551 |
| Core capital (leverage) ratio | 9.3660% | 4,471 |
| Tier 1 risk-based capital ratio | 9.8163% | 6,140 |
| Total risk-based capital ratio | 10.3435% | 6,223 |
| Memoranda: | ||
| Average total assets | $5,781,561,330 | 175 |
| Average earning assets | $5,375,370,670 | 169 |
| Average equity | $669,914,330 | 175 |
| Average total loans | $4,723,684,000 | 158 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0660% | 512 |
| Cost of funding earning assets | 0.4187% | 3,089 |
| Net interest margin | 4.6473% | 450 |
| Noninterest income to average assets | 0.5874% | 2,718 |
| Noninterest expense to average assets | 2.7855% | 3,299 |
| Loan and lease loss provision to assets | 0.2249% | 779 |
| Net operating income to assets | 1.2488% | 1,410 |
| Return on assets (ROA) | 1.2591% | 1,466 |
| Pretax return on assets | 1.9248% | 683 |
| Return on Equity (ROE) | 10.7143% | 1,729 |
| Retained earnings to average equity (ytd only) | 10.7143% | 771 |
| Net charge-offs to loans | 0.0252% | 2,661 |
| Credit loss provision to net charge-offs | 1,098.9011% | 315 |
| Earnings coverage of net charge-offs (x) | 104.2821% | 482 |
| Efficiency ratio | 56.4450% | 5,485 |
| Assets per employee ($millions) | 8.2001% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5379% | 6,136 |
| Loan loss allowance to noncurrent loans | 121.6329% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 4,227 |
| Noncurrent loans to loans | 0.4423% | 4,268 |
| Net loans and leases to total assets | 80.2966% | 654 |
| Net loans and leases to deposits | 118.5673% | 103 |
| Net loans and leases to core deposits | 135.4258% | 190 |
| Total domestic deposits to total assets | 67.7224% | 6,207 |
| Equity capital to assets | 11.5698% | 2,401 |
| Core capital (leverage) ratio | 9.8195% | 3,860 |
| Tier 1 risk-based capital ratio | 10.3214% | 6,069 |
| Total risk-based capital ratio | 10.8312% | 6,234 |
| Memoranda: | ||
| Average total assets | $5,336,604,500 | 185 |
| Average earning assets | $4,974,508,500 | 178 |
| Average equity | $627,122,000 | 180 |
| Average total loans | $4,337,381,000 | 165 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2807% | 2,679 |
| Cost of funding earning assets | 0.4778% | 2,905 |
| Net interest margin | 3.8029% | 2,614 |
| Noninterest income to average assets | 0.4065% | 4,134 |
| Noninterest expense to average assets | 2.2150% | 5,314 |
| Loan and lease loss provision to assets | 0.1751% | 1,477 |
| Net operating income to assets | 1.0219% | 2,291 |
| Return on assets (ROA) | 1.0219% | 2,364 |
| Pretax return on assets | 1.5978% | 1,241 |
| Return on Equity (ROE) | 8.5046% | 2,834 |
| Retained earnings to average equity (ytd only) | 4.3452% | 3,091 |
| Net charge-offs to loans | 0.0173% | 4,512 |
| Credit loss provision to net charge-offs | 1,268.1132% | 228 |
| Earnings coverage of net charge-offs (x) | 128.4170% | 416 |
| Efficiency ratio | 55.3164% | 5,734 |
| Assets per employee ($millions) | 8.0519% | 530 |
| Cash dividends to net income (ytd only)* | 48.9078% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7474% | 5,887 |
| Loan loss allowance to noncurrent loans | 105.3220% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 3,799 |
| Noncurrent loans to loans | 0.7096% | 3,547 |
| Net loans and leases to total assets | 81.5052% | 576 |
| Net loans and leases to deposits | 124.3441% | 70 |
| Net loans and leases to core deposits | 145.5269% | 126 |
| Total domestic deposits to total assets | 65.5481% | 6,337 |
| Equity capital to assets | 12.0338% | 2,000 |
| Core capital (leverage) ratio | 12.1263% | 1,545 |
| Tier 1 risk-based capital ratio | 13.2608% | 4,560 |
| Total risk-based capital ratio | 13.9822% | 4,809 |
| Memoranda: | ||
| Average total assets | $3,838,936,800 | 222 |
| Average earning assets | $3,615,286,600 | 214 |
| Average equity | $461,293,200 | 216 |
| Average total loans | $3,055,810,600 | 196 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 2,739 |
| Cost of funding earning assets | 0.4891% | 2,874 |
| Net interest margin | 3.7833% | 2,675 |
| Noninterest income to average assets | 0.4202% | 4,092 |
| Noninterest expense to average assets | 2.2774% | 5,161 |
| Loan and lease loss provision to assets | 0.1449% | 1,726 |
| Net operating income to assets | 0.9987% | 2,456 |
| Return on assets (ROA) | 0.9987% | 2,521 |
| Pretax return on assets | 1.5561% | 1,464 |
| Return on Equity (ROE) | 8.3144% | 3,028 |
| Retained earnings to average equity (ytd only) | 4.0651% | 3,754 |
| Net charge-offs to loans | 0.0386% | 3,727 |
| Credit loss provision to net charge-offs | 476.1072% | 594 |
| Earnings coverage of net charge-offs (x) | 55.8800% | 912 |
| Efficiency ratio | 57.0081% | 5,556 |
| Assets per employee ($millions) | 7.7180% | 583 |
| Cash dividends to net income (ytd only)* | 51.1084% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7004% | 6,100 |
| Loan loss allowance to noncurrent loans | 89.9837% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 3,922 |
| Noncurrent loans to loans | 0.7783% | 3,636 |
| Net loans and leases to total assets | 81.0351% | 603 |
| Net loans and leases to deposits | 123.4908% | 75 |
| Net loans and leases to core deposits | 144.6622% | 128 |
| Total domestic deposits to total assets | 65.6203% | 6,412 |
| Equity capital to assets | 11.6661% | 2,347 |
| Core capital (leverage) ratio | 11.3126% | 2,206 |
| Tier 1 risk-based capital ratio | 12.9418% | 4,900 |
| Total risk-based capital ratio | 13.6217% | 5,182 |
| Memoranda: | ||
| Average total assets | $3,757,963,500 | 224 |
| Average earning assets | $3,534,411,750 | 215 |
| Average equity | $451,380,000 | 216 |
| Average total loans | $2,965,145,000 | 198 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 2,892 |
| Cost of funding earning assets | 0.4972% | 2,861 |
| Net interest margin | 3.7192% | 2,886 |
| Noninterest income to average assets | 0.4369% | 3,974 |
| Noninterest expense to average assets | 2.3403% | 5,058 |
| Loan and lease loss provision to assets | 0.0852% | 2,604 |
| Net operating income to assets | 0.9620% | 2,495 |
| Return on assets (ROA) | 0.9620% | 2,586 |
| Pretax return on assets | 1.5044% | 1,524 |
| Return on Equity (ROE) | 7.9282% | 3,133 |
| Retained earnings to average equity (ytd only) | 3.6504% | 3,866 |
| Net charge-offs to loans | 0.0341% | 3,529 |
| Credit loss provision to net charge-offs | 320.3666% | 811 |
| Earnings coverage of net charge-offs (x) | 59.7862% | 810 |
| Efficiency ratio | 59.2989% | 5,391 |
| Assets per employee ($millions) | 7.5580% | 603 |
| Cash dividends to net income (ytd only)* | 53.9570% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 6,238 |
| Loan loss allowance to noncurrent loans | 82.7229% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6312% | 4,079 |
| Noncurrent loans to loans | 0.7927% | 3,712 |
| Net loans and leases to total assets | 78.3434% | 866 |
| Net loans and leases to deposits | 122.7114% | 68 |
| Net loans and leases to core deposits | 143.5208% | 123 |
| Total domestic deposits to total assets | 63.8436% | 6,510 |
| Equity capital to assets | 11.4947% | 2,430 |
| Core capital (leverage) ratio | 11.6081% | 1,916 |
| Tier 1 risk-based capital ratio | 13.2052% | 4,786 |
| Total risk-based capital ratio | 13.8433% | 5,096 |
| Memoranda: | ||
| Average total assets | $3,693,412,330 | 225 |
| Average earning assets | $3,468,723,000 | 216 |
| Average equity | $448,173,670 | 217 |
| Average total loans | $2,878,599,670 | 200 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1376% | 3,142 |
| Cost of funding earning assets | 0.5118% | 2,789 |
| Net interest margin | 3.6258% | 3,154 |
| Noninterest income to average assets | 0.4580% | 3,726 |
| Noninterest expense to average assets | 2.4088% | 4,903 |
| Loan and lease loss provision to assets | 0.0422% | 3,246 |
| Net operating income to assets | 0.9010% | 2,644 |
| Return on assets (ROA) | 0.9010% | 2,712 |
| Pretax return on assets | 1.4083% | 1,715 |
| Return on Equity (ROE) | 7.2140% | 3,345 |
| Retained earnings to average equity (ytd only) | 2.9074% | 4,358 |
| Net charge-offs to loans | 0.0481% | 2,709 |
| Credit loss provision to net charge-offs | 113.2530% | 1,511 |
| Earnings coverage of net charge-offs (x) | 38.9247% | 895 |
| Efficiency ratio | 62.1219% | 5,101 |
| Assets per employee ($millions) | 6.5634% | 985 |
| Cash dividends to net income (ytd only)* | 59.6985% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6939% | 6,292 |
| Loan loss allowance to noncurrent loans | 81.1901% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 4,098 |
| Noncurrent loans to loans | 0.8546% | 3,759 |
| Net loans and leases to total assets | 77.0639% | 879 |
| Net loans and leases to deposits | 113.4575% | 108 |
| Net loans and leases to core deposits | 133.6054% | 158 |
| Total domestic deposits to total assets | 67.9231% | 6,520 |
| Equity capital to assets | 12.4198% | 1,621 |
| Core capital (leverage) ratio | 12.5635% | 1,359 |
| Tier 1 risk-based capital ratio | 14.3587% | 4,092 |
| Total risk-based capital ratio | 15.0274% | 4,442 |
| Memoranda: | ||
| Average total assets | $3,563,698,000 | 231 |
| Average earning assets | $3,343,175,500 | 221 |
| Average equity | $445,077,500 | 219 |
| Average total loans | $2,759,284,500 | 204 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 2,813 |
| Cost of funding earning assets | 0.5962% | 2,699 |
| Net interest margin | 3.7430% | 2,886 |
| Noninterest income to average assets | 0.4739% | 3,933 |
| Noninterest expense to average assets | 2.4422% | 4,951 |
| Loan and lease loss provision to assets | 0.0912% | 3,281 |
| Net operating income to assets | 0.9531% | 2,559 |
| Return on assets (ROA) | 0.9498% | 2,639 |
| Pretax return on assets | 1.4378% | 1,660 |
| Return on Equity (ROE) | 7.7016% | 3,194 |
| Retained earnings to average equity (ytd only) | 4.7464% | 2,779 |
| Net charge-offs to loans | 0.0712% | 4,213 |
| Credit loss provision to net charge-offs | 169.0803% | 1,348 |
| Earnings coverage of net charge-offs (x) | 28.4397% | 1,236 |
| Efficiency ratio | 61.1169% | 5,345 |
| Assets per employee ($millions) | 6.2818% | 1,096 |
| Cash dividends to net income (ytd only)* | 38.3720% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 6,328 |
| Loan loss allowance to noncurrent loans | 86.4582% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 4,286 |
| Noncurrent loans to loans | 0.8225% | 3,919 |
| Net loans and leases to total assets | 76.6996% | 988 |
| Net loans and leases to deposits | 115.6445% | 99 |
| Net loans and leases to core deposits | 134.5667% | 160 |
| Total domestic deposits to total assets | 66.3236% | 6,626 |
| Equity capital to assets | 12.5602% | 1,486 |
| Core capital (leverage) ratio | 12.5619% | 1,325 |
| Tier 1 risk-based capital ratio | 14.5753% | 3,919 |
| Total risk-based capital ratio | 15.2600% | 4,226 |
| Memoranda: | ||
| Average total assets | $3,507,645,800 | 223 |
| Average earning assets | $3,282,049,200 | 216 |
| Average equity | $432,583,000 | 217 |
| Average total loans | $2,657,599,000 | 197 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3409% | 2,829 |
| Cost of funding earning assets | 0.6088% | 2,740 |
| Net interest margin | 3.7321% | 2,913 |
| Noninterest income to average assets | 0.4895% | 3,881 |
| Noninterest expense to average assets | 2.3954% | 5,039 |
| Loan and lease loss provision to assets | 0.0983% | 3,120 |
| Net operating income to assets | 0.9651% | 2,519 |
| Return on assets (ROA) | 0.9607% | 2,642 |
| Pretax return on assets | 1.4793% | 1,668 |
| Return on Equity (ROE) | 7.8264% | 3,211 |
| Retained earnings to average equity (ytd only) | 5.3497% | 2,828 |
| Net charge-offs to loans | 0.0891% | 3,682 |
| Credit loss provision to net charge-offs | 146.3456% | 1,611 |
| Earnings coverage of net charge-offs (x) | 23.5876% | 1,461 |
| Efficiency ratio | 59.8822% | 5,454 |
| Assets per employee ($millions) | 6.0331% | 1,223 |
| Cash dividends to net income (ytd only)* | 31.6459% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 6,398 |
| Loan loss allowance to noncurrent loans | 83.5762% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6797% | 4,415 |
| Noncurrent loans to loans | 0.8775% | 4,063 |
| Net loans and leases to total assets | 75.4622% | 1,069 |
| Net loans and leases to deposits | 109.2429% | 163 |
| Net loans and leases to core deposits | 127.2218% | 222 |
| Total domestic deposits to total assets | 69.0774% | 6,630 |
| Equity capital to assets | 12.9470% | 1,355 |
| Core capital (leverage) ratio | 12.1370% | 1,594 |
| Tier 1 risk-based capital ratio | 15.3335% | 3,545 |
| Total risk-based capital ratio | 16.0444% | 3,837 |
| Memoranda: | ||
| Average total assets | $3,503,529,000 | 223 |
| Average earning assets | $3,276,528,500 | 215 |
| Average equity | $430,069,750 | 217 |
| Average total loans | $2,641,414,500 | 195 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 2,869 |
| Cost of funding earning assets | 0.6099% | 2,847 |
| Net interest margin | 3.7093% | 2,922 |
| Noninterest income to average assets | 0.5028% | 3,812 |
| Noninterest expense to average assets | 2.3356% | 5,256 |
| Loan and lease loss provision to assets | 0.1547% | 2,380 |
| Net operating income to assets | 0.9523% | 2,560 |
| Return on assets (ROA) | 0.9459% | 2,735 |
| Pretax return on assets | 1.4708% | 1,712 |
| Return on Equity (ROE) | 7.8421% | 3,170 |
| Retained earnings to average equity (ytd only) | 5.9725% | 2,461 |
| Net charge-offs to loans | 0.1137% | 3,226 |
| Credit loss provision to net charge-offs | 180.9241% | 1,313 |
| Earnings coverage of net charge-offs (x) | 19.1248% | 1,520 |
| Efficiency ratio | 58.5009% | 5,667 |
| Assets per employee ($millions) | 6.4064% | 955 |
| Cash dividends to net income (ytd only)* | 23.8408% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7038% | 6,489 |
| Loan loss allowance to noncurrent loans | 75.5191% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 4,408 |
| Noncurrent loans to loans | 0.9319% | 4,061 |
| Net loans and leases to total assets | 75.6790% | 1,018 |
| Net loans and leases to deposits | 119.9709% | 71 |
| Net loans and leases to core deposits | 135.7109% | 157 |
| Total domestic deposits to total assets | 63.0811% | 6,815 |
| Equity capital to assets | 12.0440% | 1,887 |
| Core capital (leverage) ratio | 11.7602% | 1,759 |
| Tier 1 risk-based capital ratio | 14.3815% | 4,172 |
| Total risk-based capital ratio | 15.0722% | 4,512 |
| Memoranda: | ||
| Average total assets | $3,543,180,000 | 220 |
| Average earning assets | $3,312,914,330 | 210 |
| Average equity | $427,359,000 | 217 |
| Average total loans | $2,664,238,330 | 195 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 3,270 |
| Cost of funding earning assets | 0.6170% | 2,951 |
| Net interest margin | 3.5923% | 3,293 |
| Noninterest income to average assets | 0.5518% | 3,431 |
| Noninterest expense to average assets | 2.3307% | 5,338 |
| Loan and lease loss provision to assets | 0.1004% | 3,002 |
| Net operating income to assets | 0.9426% | 2,463 |
| Return on assets (ROA) | 0.9297% | 2,664 |
| Pretax return on assets | 1.4564% | 1,693 |
| Return on Equity (ROE) | 7.7022% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.7022% | 1,858 |
| Net charge-offs to loans | 0.0445% | 3,407 |
| Credit loss provision to net charge-offs | 302.3973% | 785 |
| Earnings coverage of net charge-offs (x) | 47.4932% | 699 |
| Efficiency ratio | 59.2958% | 5,685 |
| Assets per employee ($millions) | 5.9596% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 6,532 |
| Loan loss allowance to noncurrent loans | 66.0595% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 4,181 |
| Noncurrent loans to loans | 1.1283% | 3,898 |
| Net loans and leases to total assets | 73.5981% | 1,135 |
| Net loans and leases to deposits | 108.6465% | 146 |
| Net loans and leases to core deposits | 122.9176% | 246 |
| Total domestic deposits to total assets | 67.7409% | 6,810 |
| Equity capital to assets | 12.7285% | 1,573 |
| Core capital (leverage) ratio | 12.0704% | 1,531 |
| Tier 1 risk-based capital ratio | 15.5682% | 3,493 |
| Total risk-based capital ratio | 16.3015% | 3,756 |
| Memoranda: | ||
| Average total assets | $3,517,778,000 | 226 |
| Average earning assets | $3,286,108,500 | 216 |
| Average equity | $424,608,000 | 224 |
| Average total loans | $2,626,774,000 | 199 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4461% | 3,628 |
| Cost of funding earning assets | 0.7089% | 3,426 |
| Net interest margin | 3.7371% | 3,491 |
| Noninterest income to average assets | 0.6843% | 2,807 |
| Noninterest expense to average assets | 2.4990% | 5,094 |
| Loan and lease loss provision to assets | 0.0912% | 4,541 |
| Net operating income to assets | 1.0385% | 2,171 |
| Return on assets (ROA) | 1.0577% | 2,286 |
| Pretax return on assets | 1.6321% | 1,303 |
| Return on Equity (ROE) | 9.7031% | 2,314 |
| Retained earnings to average equity (ytd only) | 9.7031% | 656 |
| Net charge-offs to loans | 0.1074% | 4,595 |
| Credit loss provision to net charge-offs | 121.8556% | 2,345 |
| Earnings coverage of net charge-offs (x) | 22.6297% | 1,252 |
| Efficiency ratio | 58.7863% | 5,728 |
| Assets per employee ($millions) | 6.5753% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6558% | 6,691 |
| Loan loss allowance to noncurrent loans | 64.9410% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 4,446 |
| Noncurrent loans to loans | 1.0099% | 4,173 |
| Net loans and leases to total assets | 74.6580% | 1,104 |
| Net loans and leases to deposits | 121.3013% | 67 |
| Net loans and leases to core deposits | 137.8353% | 138 |
| Total domestic deposits to total assets | 61.5476% | 6,959 |
| Equity capital to assets | 11.4641% | 2,482 |
| Core capital (leverage) ratio | 11.0752% | 2,192 |
| Tier 1 risk-based capital ratio | 17.1928% | 2,561 |
| Total risk-based capital ratio | 17.9958% | 2,742 |
| Memoranda: | ||
| Average total assets | $3,441,601,000 | 226 |
| Average earning assets | $3,231,049,600 | 215 |
| Average equity | $375,146,800 | 236 |
| Average total loans | $2,399,421,800 | 208 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 4,056 |
| Cost of funding earning assets | 0.7436% | 3,398 |
| Net interest margin | 3.6547% | 3,988 |
| Noninterest income to average assets | 0.7559% | 2,446 |
| Noninterest expense to average assets | 2.5440% | 4,945 |
| Loan and lease loss provision to assets | 0.1243% | 4,001 |
| Net operating income to assets | 0.9971% | 2,525 |
| Return on assets (ROA) | 1.0231% | 2,621 |
| Pretax return on assets | 1.5644% | 1,688 |
| Return on Equity (ROE) | 9.5189% | 2,581 |
| Retained earnings to average equity (ytd only) | 9.5189% | 1,059 |
| Net charge-offs to loans | 0.0467% | 4,999 |
| Credit loss provision to net charge-offs | 390.1112% | 691 |
| Earnings coverage of net charge-offs (x) | 51.7614% | 736 |
| Efficiency ratio | 59.6845% | 5,552 |
| Assets per employee ($millions) | 6.5500% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 6,694 |
| Loan loss allowance to noncurrent loans | 69.0610% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 4,496 |
| Noncurrent loans to loans | 1.0774% | 4,285 |
| Net loans and leases to total assets | 72.7875% | 1,423 |
| Net loans and leases to deposits | 116.0318% | 97 |
| Net loans and leases to core deposits | 132.2234% | 173 |
| Total domestic deposits to total assets | 62.7307% | 7,035 |
| Equity capital to assets | 11.2297% | 3,002 |
| Core capital (leverage) ratio | 10.5062% | 2,903 |
| Tier 1 risk-based capital ratio | 17.1663% | 2,665 |
| Total risk-based capital ratio | 18.0763% | 2,779 |
| Memoranda: | ||
| Average total assets | $3,386,396,250 | 228 |
| Average earning assets | $3,184,589,500 | 218 |
| Average equity | $363,967,250 | 241 |
| Average total loans | $2,311,191,750 | 213 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2829% | 4,637 |
| Cost of funding earning assets | 0.7824% | 3,339 |
| Net interest margin | 3.5005% | 4,667 |
| Noninterest income to average assets | 0.8267% | 2,069 |
| Noninterest expense to average assets | 2.6592% | 4,571 |
| Loan and lease loss provision to assets | 0.1418% | 3,747 |
| Net operating income to assets | 0.8660% | 3,059 |
| Return on assets (ROA) | 0.8705% | 3,303 |
| Pretax return on assets | 1.3324% | 2,447 |
| Return on Equity (ROE) | 8.2351% | 3,154 |
| Retained earnings to average equity (ytd only) | 8.2351% | 1,557 |
| Net charge-offs to loans | 0.0547% | 4,644 |
| Credit loss provision to net charge-offs | 390.3333% | 758 |
| Earnings coverage of net charge-offs (x) | 40.3900% | 865 |
| Efficiency ratio | 63.0691% | 5,068 |
| Assets per employee ($millions) | 5.9528% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 6,743 |
| Loan loss allowance to noncurrent loans | 77.4988% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7616% | 4,888 |
| Noncurrent loans to loans | 0.9825% | 4,545 |
| Net loans and leases to total assets | 67.9026% | 2,303 |
| Net loans and leases to deposits | 108.3120% | 176 |
| Net loans and leases to core deposits | 123.1332% | 268 |
| Total domestic deposits to total assets | 62.6916% | 7,102 |
| Equity capital to assets | 10.7285% | 3,422 |
| Core capital (leverage) ratio | 10.7388% | 2,553 |
| Tier 1 risk-based capital ratio | 17.2489% | 2,565 |
| Total risk-based capital ratio | 18.1639% | 2,667 |
| Memoranda: | ||
| Average total assets | $3,303,452,000 | 233 |
| Average earning assets | $3,113,994,670 | 221 |
| Average equity | $349,214,000 | 246 |
| Average total loans | $2,192,979,670 | 224 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 5,400 |
| Cost of funding earning assets | 0.8258% | 3,270 |
| Net interest margin | 3.2886% | 5,508 |
| Noninterest income to average assets | 0.7487% | 2,407 |
| Noninterest expense to average assets | 2.3147% | 5,733 |
| Loan and lease loss provision to assets | 0.1151% | 3,914 |
| Net operating income to assets | 0.9321% | 2,779 |
| Return on assets (ROA) | 0.9321% | 2,982 |
| Pretax return on assets | 1.4319% | 2,082 |
| Return on Equity (ROE) | 8.8964% | 2,868 |
| Retained earnings to average equity (ytd only) | 8.8964% | 1,622 |
| Net charge-offs to loans | 0.0709% | 3,786 |
| Credit loss provision to net charge-offs | 249.3036% | 1,153 |
| Earnings coverage of net charge-offs (x) | 33.5014% | 846 |
| Efficiency ratio | 59.9407% | 5,621 |
| Assets per employee ($millions) | 5.2684% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 6,520 |
| Loan loss allowance to noncurrent loans | 80.3630% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 4,933 |
| Noncurrent loans to loans | 1.1265% | 4,452 |
| Net loans and leases to total assets | 64.8975% | 2,670 |
| Net loans and leases to deposits | 97.7965% | 451 |
| Net loans and leases to core deposits | 116.1477% | 380 |
| Total domestic deposits to total assets | 66.3598% | 7,101 |
| Equity capital to assets | 10.8537% | 3,080 |
| Core capital (leverage) ratio | 11.0462% | 2,221 |
| Tier 1 risk-based capital ratio | 20.1482% | 1,672 |
| Total risk-based capital ratio | 21.2578% | 1,680 |
| Memoranda: | ||
| Average total assets | $3,109,816,500 | 243 |
| Average earning assets | $2,943,747,500 | 228 |
| Average equity | $325,841,000 | 256 |
| Average total loans | $2,026,806,500 | 240 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1810% | 6,108 |
| Cost of funding earning assets | 1.1856% | 2,123 |
| Net interest margin | 2.9953% | 6,538 |
| Noninterest income to average assets | 0.8188% | 1,969 |
| Noninterest expense to average assets | 2.4439% | 5,653 |
| Loan and lease loss provision to assets | 0.1313% | 4,970 |
| Net operating income to assets | 0.7533% | 3,250 |
| Return on assets (ROA) | 0.8964% | 2,753 |
| Pretax return on assets | 1.2916% | 2,162 |
| Return on Equity (ROE) | 8.8426% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.8426% | 845 |
| Net charge-offs to loans | 0.0783% | 5,539 |
| Credit loss provision to net charge-offs | 298.4962% | 789 |
| Earnings coverage of net charge-offs (x) | 27.6301% | 901 |
| Efficiency ratio | 66.5386% | 4,647 |
| Assets per employee ($millions) | 5.6479% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8477% | 6,649 |
| Loan loss allowance to noncurrent loans | 76.1032% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.7945% | 5,042 |
| Noncurrent loans to loans | 1.1139% | 4,492 |
| Net loans and leases to total assets | 64.3225% | 3,119 |
| Net loans and leases to deposits | 99.7296% | 469 |
| Net loans and leases to core deposits | 121.1742% | 336 |
| Total domestic deposits to total assets | 64.4969% | 7,166 |
| Equity capital to assets | 10.1184% | 4,013 |
| Core capital (leverage) ratio | 9.9364% | 3,412 |
| Tier 1 risk-based capital ratio | 19.3069% | 1,815 |
| Total risk-based capital ratio | 20.3645% | 1,830 |
| Memoranda: | ||
| Average total assets | $3,023,043,400 | 239 |
| Average earning assets | $2,867,036,400 | 228 |
| Average equity | $306,447,200 | 262 |
| Average total loans | $1,699,670,800 | 267 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 6,530 |
| Cost of funding earning assets | 1.2541% | 1,974 |
| Net interest margin | 2.7814% | 6,905 |
| Noninterest income to average assets | 0.9091% | 1,613 |
| Noninterest expense to average assets | 2.4620% | 5,587 |
| Loan and lease loss provision to assets | 0.1224% | 4,904 |
| Net operating income to assets | 0.6570% | 3,839 |
| Return on assets (ROA) | 0.7608% | 3,495 |
| Pretax return on assets | 1.1166% | 2,936 |
| Return on Equity (ROE) | 7.5013% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.5013% | 1,710 |
| Net charge-offs to loans | 0.1881% | 4,294 |
| Credit loss provision to net charge-offs | 120.7048% | 2,687 |
| Earnings coverage of net charge-offs (x) | 10.7106% | 1,882 |
| Efficiency ratio | 68.5337% | 4,213 |
| Assets per employee ($millions) | 5.5868% | 1,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 6,912 |
| Loan loss allowance to noncurrent loans | 78.6570% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 5,614 |
| Noncurrent loans to loans | 0.9403% | 5,001 |
| Net loans and leases to total assets | 56.9109% | 4,696 |
| Net loans and leases to deposits | 84.3249% | 1,946 |
| Net loans and leases to core deposits | 105.9828% | 866 |
| Total domestic deposits to total assets | 67.4900% | 7,159 |
| Equity capital to assets | 9.7052% | 4,773 |
| Core capital (leverage) ratio | 9.4298% | 4,253 |
| Tier 1 risk-based capital ratio | 16.2445% | 2,995 |
| Total risk-based capital ratio | 16.9778% | 3,224 |
| Memoranda: | ||
| Average total assets | $2,983,868,500 | 239 |
| Average earning assets | $2,831,493,000 | 228 |
| Average equity | $302,624,000 | 263 |
| Average total loans | $1,608,894,500 | 281 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 6,475 |
| Cost of funding earning assets | 1.3125% | 1,868 |
| Net interest margin | 2.7973% | 6,929 |
| Noninterest income to average assets | 0.9867% | 1,361 |
| Noninterest expense to average assets | 2.5383% | 5,402 |
| Loan and lease loss provision to assets | 0.1490% | 4,449 |
| Net operating income to assets | 0.6488% | 3,804 |
| Return on assets (ROA) | 0.8090% | 3,150 |
| Pretax return on assets | 1.1880% | 2,529 |
| Return on Equity (ROE) | 7.8507% | 3,016 |
| Retained earnings to average equity (ytd only) | 7.8507% | 1,513 |
| Net charge-offs to loans | 0.2119% | 3,870 |
| Credit loss provision to net charge-offs | 133.4981% | 2,287 |
| Earnings coverage of net charge-offs (x) | 9.8721% | 1,873 |
| Efficiency ratio | 68.7103% | 4,388 |
| Assets per employee ($millions) | 5.0484% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8812% | 6,709 |
| Loan loss allowance to noncurrent loans | 77.1801% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.6814% | 5,541 |
| Noncurrent loans to loans | 1.1417% | 4,747 |
| Net loans and leases to total assets | 52.3384% | 5,527 |
| Net loans and leases to deposits | 71.0168% | 4,293 |
| Net loans and leases to core deposits | 90.1643% | 2,358 |
| Total domestic deposits to total assets | 73.6986% | 6,871 |
| Equity capital to assets | 10.3311% | 3,709 |
| Core capital (leverage) ratio | 10.0877% | 3,156 |
| Tier 1 risk-based capital ratio | 18.6332% | 1,955 |
| Total risk-based capital ratio | 19.4955% | 2,048 |
| Memoranda: | ||
| Average total assets | $2,900,233,670 | 247 |
| Average earning assets | $2,750,689,000 | 235 |
| Average equity | $298,851,670 | 265 |
| Average total loans | $1,526,974,670 | 304 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 6,387 |
| Cost of funding earning assets | 1.3201% | 2,066 |
| Net interest margin | 2.8334% | 6,863 |
| Noninterest income to average assets | 0.9349% | 1,526 |
| Noninterest expense to average assets | 2.5902% | 5,265 |
| Loan and lease loss provision to assets | 0.1527% | 4,113 |
| Net operating income to assets | 0.6065% | 3,999 |
| Return on assets (ROA) | 0.9351% | 2,487 |
| Pretax return on assets | 1.3542% | 1,870 |
| Return on Equity (ROE) | 9.0867% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.0867% | 1,361 |
| Net charge-offs to loans | 0.2591% | 3,033 |
| Credit loss provision to net charge-offs | 112.0778% | 2,392 |
| Earnings coverage of net charge-offs (x) | 7.5660% | 1,934 |
| Efficiency ratio | 71.0143% | 4,054 |
| Assets per employee ($millions) | 4.7064% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 6,577 |
| Loan loss allowance to noncurrent loans | 83.3687% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 5,639 |
| Noncurrent loans to loans | 1.1300% | 4,815 |
| Net loans and leases to total assets | 50.2665% | 5,812 |
| Net loans and leases to deposits | 65.7443% | 5,009 |
| Net loans and leases to core deposits | 84.5075% | 3,101 |
| Total domestic deposits to total assets | 76.4576% | 6,608 |
| Equity capital to assets | 10.6428% | 3,048 |
| Core capital (leverage) ratio | 10.4908% | 2,624 |
| Tier 1 risk-based capital ratio | 20.1488% | 1,560 |
| Total risk-based capital ratio | 21.0684% | 1,599 |
| Memoranda: | ||
| Average total assets | $2,868,644,500 | 249 |
| Average earning assets | $2,719,450,000 | 235 |
| Average equity | $295,200,500 | 264 |
| Average total loans | $1,508,066,500 | 307 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 6,311 |
| Cost of funding earning assets | 1.7282% | 1,470 |
| Net interest margin | 2.8029% | 7,025 |
| Noninterest income to average assets | 1.2221% | 1,008 |
| Noninterest expense to average assets | 2.6713% | 5,118 |
| Loan and lease loss provision to assets | 0.1889% | 5,343 |
| Net operating income to assets | 0.6796% | 3,301 |
| Return on assets (ROA) | 0.6796% | 3,433 |
| Pretax return on assets | 1.0052% | 2,917 |
| Return on Equity (ROE) | 7.8250% | 2,765 |
| Retained earnings to average equity (ytd only) | 7.8250% | 1,036 |
| Net charge-offs to loans | 0.2191% | 4,980 |
| Credit loss provision to net charge-offs | 148.5922% | 2,451 |
| Earnings coverage of net charge-offs (x) | 9.3916% | 1,830 |
| Efficiency ratio | 69.1037% | 4,355 |
| Assets per employee ($millions) | 5.0458% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8291% | 6,908 |
| Loan loss allowance to noncurrent loans | 75.1361% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 5,623 |
| Noncurrent loans to loans | 1.1035% | 4,895 |
| Net loans and leases to total assets | 53.8559% | 5,648 |
| Net loans and leases to deposits | 74.5013% | 4,115 |
| Net loans and leases to core deposits | 95.8317% | 2,034 |
| Total domestic deposits to total assets | 72.2886% | 7,059 |
| Equity capital to assets | 9.9559% | 3,801 |
| Core capital (leverage) ratio | 9.7339% | 3,390 |
| Tier 1 risk-based capital ratio | 17.6071% | 2,130 |
| Total risk-based capital ratio | 18.4240% | 2,242 |
| Memoranda: | ||
| Average total assets | $2,709,411,400 | 265 |
| Average earning assets | $2,555,211,600 | 250 |
| Average equity | $235,309,600 | 309 |
| Average total loans | $1,572,610,200 | 299 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 6,602 |
| Cost of funding earning assets | 1.8102% | 1,380 |
| Net interest margin | 2.6926% | 7,244 |
| Noninterest income to average assets | 1.2324% | 907 |
| Noninterest expense to average assets | 2.7054% | 4,860 |
| Loan and lease loss provision to assets | 0.1906% | 5,138 |
| Net operating income to assets | 0.5900% | 3,919 |
| Return on assets (ROA) | 0.5900% | 4,083 |
| Pretax return on assets | 0.8726% | 3,655 |
| Return on Equity (ROE) | 7.0811% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.0811% | 1,802 |
| Net charge-offs to loans | 0.2174% | 4,639 |
| Credit loss provision to net charge-offs | 148.3947% | 2,634 |
| Earnings coverage of net charge-offs (x) | 8.2784% | 2,185 |
| Efficiency ratio | 71.7831% | 3,746 |
| Assets per employee ($millions) | 5.2481% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7520% | 7,104 |
| Loan loss allowance to noncurrent loans | 72.9785% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 5,753 |
| Noncurrent loans to loans | 1.0305% | 5,181 |
| Net loans and leases to total assets | 56.6001% | 5,465 |
| Net loans and leases to deposits | 78.6743% | 3,692 |
| Net loans and leases to core deposits | 100.8853% | 1,758 |
| Total domestic deposits to total assets | 71.9423% | 7,137 |
| Equity capital to assets | 9.6800% | 4,570 |
| Core capital (leverage) ratio | 9.3409% | 4,146 |
| Tier 1 risk-based capital ratio | 18.9211% | 1,771 |
| Total risk-based capital ratio | 19.7941% | 1,830 |
| Memoranda: | ||
| Average total assets | $2,651,343,750 | 266 |
| Average earning assets | $2,497,396,500 | 254 |
| Average equity | $220,919,500 | 315 |
| Average total loans | $1,566,384,000 | 299 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 6,617 |
| Cost of funding earning assets | 1.8653% | 1,353 |
| Net interest margin | 2.6734% | 7,282 |
| Noninterest income to average assets | 1.2231% | 866 |
| Noninterest expense to average assets | 2.7832% | 4,564 |
| Loan and lease loss provision to assets | 0.2390% | 4,523 |
| Net operating income to assets | 0.4823% | 4,404 |
| Return on assets (ROA) | 0.4823% | 4,564 |
| Pretax return on assets | 0.7131% | 4,190 |
| Return on Equity (ROE) | 6.1805% | 3,709 |
| Retained earnings to average equity (ytd only) | 6.1805% | 2,237 |
| Net charge-offs to loans | 0.2067% | 4,374 |
| Credit loss provision to net charge-offs | 193.0662% | 2,043 |
| Earnings coverage of net charge-offs (x) | 7.6915% | 2,256 |
| Efficiency ratio | 74.5056% | 3,370 |
| Assets per employee ($millions) | 4.7806% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 7,025 |
| Loan loss allowance to noncurrent loans | 82.4050% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 5,659 |
| Noncurrent loans to loans | 0.9750% | 5,358 |
| Net loans and leases to total assets | 58.2361% | 5,377 |
| Net loans and leases to deposits | 81.0964% | 3,417 |
| Net loans and leases to core deposits | 104.9237% | 1,545 |
| Total domestic deposits to total assets | 71.8110% | 7,194 |
| Equity capital to assets | 7.3305% | 7,211 |
| Core capital (leverage) ratio | 7.1363% | 7,106 |
| Tier 1 risk-based capital ratio | 13.6422% | 3,982 |
| Total risk-based capital ratio | 14.5467% | 4,169 |
| Memoranda: | ||
| Average total assets | $2,539,729,670 | 280 |
| Average earning assets | $2,386,581,330 | 267 |
| Average equity | $198,205,000 | 348 |
| Average total loans | $1,520,848,670 | 312 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 6,457 |
| Cost of funding earning assets | 1.9437% | 1,263 |
| Net interest margin | 2.6897% | 7,309 |
| Noninterest income to average assets | 1.2282% | 810 |
| Noninterest expense to average assets | 2.8718% | 4,179 |
| Loan and lease loss provision to assets | 0.1888% | 4,609 |
| Net operating income to assets | 0.4662% | 4,547 |
| Return on assets (ROA) | 0.4662% | 4,680 |
| Pretax return on assets | 0.6885% | 4,274 |
| Return on Equity (ROE) | 5.7746% | 3,977 |
| Retained earnings to average equity (ytd only) | 5.7746% | 2,726 |
| Net charge-offs to loans | 0.1447% | 4,065 |
| Credit loss provision to net charge-offs | 215.4135% | 1,736 |
| Earnings coverage of net charge-offs (x) | 10.0094% | 1,791 |
| Efficiency ratio | 76.5962% | 3,118 |
| Assets per employee ($millions) | 4.1765% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8239% | 7,068 |
| Loan loss allowance to noncurrent loans | 148.8457% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 6,331 |
| Noncurrent loans to loans | 0.5535% | 6,189 |
| Net loans and leases to total assets | 59.2254% | 5,255 |
| Net loans and leases to deposits | 75.9990% | 4,416 |
| Net loans and leases to core deposits | 100.7074% | 2,060 |
| Total domestic deposits to total assets | 77.9291% | 6,330 |
| Equity capital to assets | 7.9772% | 6,678 |
| Core capital (leverage) ratio | 7.8085% | 6,493 |
| Tier 1 risk-based capital ratio | 14.3677% | 3,457 |
| Total risk-based capital ratio | 15.2754% | 3,603 |
| Memoranda: | ||
| Average total assets | $2,428,015,000 | 300 |
| Average earning assets | $2,275,621,500 | 289 |
| Average equity | $196,030,500 | 357 |
| Average total loans | $1,470,177,500 | 333 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0614% | 6,225 |
| Cost of funding earning assets | 2.3064% | 1,629 |
| Net interest margin | 2.7551% | 7,135 |
| Noninterest income to average assets | 1.4362% | 711 |
| Noninterest expense to average assets | 3.2540% | 3,180 |
| Loan and lease loss provision to assets | 0.3336% | 4,806 |
| Net operating income to assets | 0.3170% | 4,466 |
| Return on assets (ROA) | 0.1188% | 5,206 |
| Pretax return on assets | 0.1616% | 5,085 |
| Return on Equity (ROE) | 1.5377% | 5,071 |
| Retained earnings to average equity (ytd only) | 1.5377% | 3,998 |
| Net charge-offs to loans | 0.3290% | 4,588 |
| Credit loss provision to net charge-offs | 158.7223% | 2,824 |
| Earnings coverage of net charge-offs (x) | 3.6300% | 3,268 |
| Efficiency ratio | 81.0003% | 2,751 |
| Assets per employee ($millions) | 3.9989% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7919% | 7,151 |
| Loan loss allowance to noncurrent loans | 99.1178% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 5,825 |
| Noncurrent loans to loans | 0.7989% | 5,687 |
| Net loans and leases to total assets | 60.9315% | 5,203 |
| Net loans and leases to deposits | 79.5911% | 4,070 |
| Net loans and leases to core deposits | 109.6535% | 2,934 |
| Total domestic deposits to total assets | 76.5557% | 6,576 |
| Equity capital to assets | 8.1742% | 6,375 |
| Core capital (leverage) ratio | 7.9948% | 6,204 |
| Tier 1 risk-based capital ratio | 14.3900% | 3,270 |
| Total risk-based capital ratio | 15.2679% | 3,441 |
| Memoranda: | ||
| Average total assets | $2,293,423,800 | 317 |
| Average earning assets | $2,148,407,400 | 307 |
| Average equity | $177,214,600 | 388 |
| Average total loans | $1,465,426,800 | 343 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 6,236 |
| Cost of funding earning assets | 2.3806% | 1,697 |
| Net interest margin | 2.7270% | 7,171 |
| Noninterest income to average assets | 1.4205% | 746 |
| Noninterest expense to average assets | 3.3107% | 2,873 |
| Loan and lease loss provision to assets | 0.2765% | 4,767 |
| Net operating income to assets | 0.2472% | 5,002 |
| Return on assets (ROA) | 0.0165% | 5,725 |
| Pretax return on assets | 0.0282% | 5,650 |
| Return on Equity (ROE) | 0.2175% | 5,711 |
| Retained earnings to average equity (ytd only) | 0.2175% | 5,108 |
| Net charge-offs to loans | 0.3508% | 3,887 |
| Credit loss provision to net charge-offs | 122.1099% | 4,151 |
| Earnings coverage of net charge-offs (x) | 2.9373% | 3,760 |
| Efficiency ratio | 83.2686% | 2,395 |
| Assets per employee ($millions) | 3.8711% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6497% | 7,486 |
| Loan loss allowance to noncurrent loans | 69.3631% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6388% | 5,849 |
| Noncurrent loans to loans | 0.9367% | 5,421 |
| Net loans and leases to total assets | 62.4397% | 5,167 |
| Net loans and leases to deposits | 82.6130% | 3,905 |
| Net loans and leases to core deposits | 114.0187% | 2,826 |
| Total domestic deposits to total assets | 75.5810% | 6,662 |
| Equity capital to assets | 7.7796% | 7,055 |
| Core capital (leverage) ratio | 7.6500% | 6,798 |
| Tier 1 risk-based capital ratio | 13.5985% | 3,778 |
| Total risk-based capital ratio | 14.3258% | 4,074 |
| Memoranda: | ||
| Average total assets | $2,271,944,500 | 331 |
| Average earning assets | $2,128,880,750 | 320 |
| Average equity | $172,895,500 | 410 |
| Average total loans | $1,466,448,250 | 359 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2382% | 5,924 |
| Cost of funding earning assets | 2.4487% | 1,782 |
| Net interest margin | 2.7895% | 7,031 |
| Noninterest income to average assets | 1.2975% | 906 |
| Noninterest expense to average assets | 3.4226% | 2,563 |
| Loan and lease loss provision to assets | 0.2614% | 4,484 |
| Net operating income to assets | 0.1619% | 5,385 |
| Return on assets (ROA) | -0.2318% | 6,254 |
| Pretax return on assets | -0.3223% | 6,256 |
| Return on Equity (ROE) | -3.0697% | 6,367 |
| Retained earnings to average equity (ytd only) | -3.0697% | 5,983 |
| Net charge-offs to loans | 0.3241% | 3,560 |
| Credit loss provision to net charge-offs | 123.8296% | 3,757 |
| Earnings coverage of net charge-offs (x) | 2.3020% | 3,916 |
| Efficiency ratio | 87.5609% | 2,066 |
| Assets per employee ($millions) | 3.7083% | 4,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6124% | 7,614 |
| Loan loss allowance to noncurrent loans | 143.9511% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 6,542 |
| Noncurrent loans to loans | 0.4254% | 6,455 |
| Net loans and leases to total assets | 66.0043% | 4,560 |
| Net loans and leases to deposits | 87.6953% | 3,223 |
| Net loans and leases to core deposits | 121.2063% | 2,261 |
| Total domestic deposits to total assets | 75.2656% | 6,701 |
| Equity capital to assets | 7.8318% | 6,939 |
| Core capital (leverage) ratio | 7.7107% | 6,739 |
| Tier 1 risk-based capital ratio | 13.1381% | 4,046 |
| Total risk-based capital ratio | 13.8323% | 4,375 |
| Memoranda: | ||
| Average total assets | $2,245,998,000 | 340 |
| Average earning assets | $2,102,399,000 | 331 |
| Average equity | $169,592,670 | 420 |
| Average total loans | $1,462,999,670 | 370 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3126% | 5,844 |
| Cost of funding earning assets | 2.5267% | 1,813 |
| Net interest margin | 2.7859% | 7,023 |
| Noninterest income to average assets | 0.7311% | 2,698 |
| Noninterest expense to average assets | 3.3419% | 2,526 |
| Loan and lease loss provision to assets | 0.2592% | 3,891 |
| Net operating income to assets | -0.1788% | 6,524 |
| Return on assets (ROA) | 0.2200% | 5,761 |
| Pretax return on assets | 0.3231% | 5,613 |
| Return on Equity (ROE) | 2.9710% | 5,383 |
| Retained earnings to average equity (ytd only) | 2.9710% | 4,224 |
| Net charge-offs to loans | 0.4056% | 2,481 |
| Credit loss provision to net charge-offs | 99.1065% | 3,822 |
| Earnings coverage of net charge-offs (x) | -0.0165% | 4,998 |
| Efficiency ratio | 100.1239% | 1,123 |
| Assets per employee ($millions) | 3.5333% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5973% | 7,659 |
| Loan loss allowance to noncurrent loans | 162.9692% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 6,584 |
| Noncurrent loans to loans | 0.3665% | 6,510 |
| Net loans and leases to total assets | 64.9368% | 4,821 |
| Net loans and leases to deposits | 86.6373% | 3,532 |
| Net loans and leases to core deposits | 119.5256% | 2,462 |
| Total domestic deposits to total assets | 74.9524% | 6,723 |
| Equity capital to assets | 7.4639% | 7,379 |
| Core capital (leverage) ratio | 7.1744% | 7,507 |
| Tier 1 risk-based capital ratio | 10.4038% | 6,491 |
| Total risk-based capital ratio | 10.9709% | 7,144 |
| Memoranda: | ||
| Average total assets | $2,224,989,000 | 339 |
| Average earning assets | $2,081,626,500 | 334 |
| Average equity | $164,793,000 | 427 |
| Average total loans | $1,434,752,000 | 377 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5293% | 7,228 |
| Cost of funding earning assets | 2.6360% | 3,505 |
| Net interest margin | 2.8933% | 7,166 |
| Noninterest income to average assets | 1.2360% | 975 |
| Noninterest expense to average assets | 3.6432% | 2,057 |
| Loan and lease loss provision to assets | 1.0528% | 1,385 |
| Net operating income to assets | -0.4755% | 6,905 |
| Return on assets (ROA) | -0.1695% | 6,431 |
| Pretax return on assets | -0.2868% | 6,446 |
| Return on Equity (ROE) | -1.9383% | 6,492 |
| Retained earnings to average equity (ytd only) | -1.9383% | 5,853 |
| Net charge-offs to loans | 0.2921% | 3,449 |
| Credit loss provision to net charge-offs | 611.7881% | 699 |
| Earnings coverage of net charge-offs (x) | 1.6730% | 5,248 |
| Efficiency ratio | 92.6712% | 1,350 |
| Assets per employee ($millions) | 3.3741% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6206% | 7,635 |
| Loan loss allowance to noncurrent loans | 394.2264% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 6,885 |
| Noncurrent loans to loans | 0.1574% | 6,937 |
| Net loans and leases to total assets | 63.2364% | 5,413 |
| Net loans and leases to deposits | 87.7883% | 3,833 |
| Net loans and leases to core deposits | 120.2063% | 2,668 |
| Total domestic deposits to total assets | 72.0329% | 6,986 |
| Equity capital to assets | 7.3484% | 7,511 |
| Core capital (leverage) ratio | 7.0183% | 7,680 |
| Tier 1 risk-based capital ratio | 10.5753% | 6,130 |
| Total risk-based capital ratio | 11.1721% | 6,706 |
| Memoranda: | ||
| Average total assets | $1,897,968,800 | 376 |
| Average earning assets | $1,767,940,000 | 368 |
| Average equity | $165,969,000 | 430 |
| Average total loans | $1,118,069,400 | 455 |