Home > Oritani Bank > Performance and Condition Ratios
Oritani 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 | 4.1084% | 4,134 |
| Cost of funding earning assets | 1.5335% | 373 |
| Net interest margin | 2.5750% | 5,018 |
| Noninterest income to average assets | 0.0991% | 4,996 |
| Noninterest expense to average assets | 0.9316% | 5,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2263% | 2,106 |
| Return on assets (ROA) | 1.2263% | 2,181 |
| Pretax return on assets | 1.6092% | 1,603 |
| Return on Equity (ROE) | 10.1318% | 2,378 |
| Retained earnings to average equity (ytd only) | -0.7874% | 4,841 |
| Net charge-offs to loans | 0.0012% | 3,413 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1,579.0235% | 50 |
| Efficiency ratio | 36.6652% | 5,170 |
| Assets per employee ($millions) | 19.0847% | 66 |
| Cash dividends to net income (ytd only)* | 107.7719% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 4,310 |
| Loan loss allowance to noncurrent loans | 452.5866% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 3,944 |
| Noncurrent loans to loans | 0.1832% | 3,877 |
| Net loans and leases to total assets | 85.7741% | 205 |
| Net loans and leases to deposits | 115.3288% | 128 |
| Net loans and leases to core deposits | 149.3632% | 128 |
| Total domestic deposits to total assets | 74.3735% | 4,794 |
| Equity capital to assets | 12.4354% | 1,961 |
| Core capital (leverage) ratio | 12.3682% | 1,645 |
| Tier 1 risk-based capital ratio | 13.9829% | 3,342 |
| Total risk-based capital ratio | 14.7850% | 3,462 |
| Memoranda: | ||
| Average total assets | $4,055,405,500 | 267 |
| Average earning assets | $3,845,609,250 | 257 |
| Average equity | $490,865,000 | 254 |
| Average total loans | $3,501,396,000 | 230 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 4,254 |
| Cost of funding earning assets | 1.5007% | 382 |
| Net interest margin | 2.5604% | 5,098 |
| Noninterest income to average assets | 0.0967% | 5,051 |
| Noninterest expense to average assets | 0.9376% | 5,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2285% | 2,040 |
| Return on assets (ROA) | 1.2285% | 2,100 |
| Pretax return on assets | 1.5874% | 1,582 |
| Return on Equity (ROE) | 10.2410% | 2,275 |
| Retained earnings to average equity (ytd only) | -6.1956% | 5,096 |
| Net charge-offs to loans | 0.0024% | 3,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 752.6744% | 105 |
| Efficiency ratio | 37.1309% | 5,200 |
| Assets per employee ($millions) | 18.7544% | 61 |
| Cash dividends to net income (ytd only)* | 160.4983% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 4,398 |
| Loan loss allowance to noncurrent loans | 289.3161% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 3,544 |
| Noncurrent loans to loans | 0.2808% | 3,529 |
| Net loans and leases to total assets | 85.7882% | 230 |
| Net loans and leases to deposits | 118.2845% | 102 |
| Net loans and leases to core deposits | 155.1614% | 109 |
| Total domestic deposits to total assets | 72.5270% | 4,943 |
| Equity capital to assets | 11.9207% | 2,254 |
| Core capital (leverage) ratio | 11.8997% | 1,889 |
| Tier 1 risk-based capital ratio | 13.3647% | 3,649 |
| Total risk-based capital ratio | 14.1516% | 3,789 |
| Memoranda: | ||
| Average total assets | $4,077,642,000 | 267 |
| Average earning assets | $3,867,315,670 | 257 |
| Average equity | $489,150,330 | 250 |
| Average total loans | $3,518,569,330 | 231 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 4,444 |
| Cost of funding earning assets | 1.4432% | 392 |
| Net interest margin | 2.5215% | 5,180 |
| Noninterest income to average assets | 0.0968% | 5,091 |
| Noninterest expense to average assets | 0.9290% | 5,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2054% | 2,033 |
| Return on assets (ROA) | 1.2054% | 2,085 |
| Pretax return on assets | 1.5580% | 1,585 |
| Return on Equity (ROE) | 10.0172% | 2,364 |
| Retained earnings to average equity (ytd only) | -22.7219% | 5,275 |
| Net charge-offs to loans | 0.0056% | 2,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 324.4490% | 251 |
| Efficiency ratio | 37.3552% | 5,248 |
| Assets per employee ($millions) | 19.2165% | 53 |
| Cash dividends to net income (ytd only)* | 326.8293% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8113% | 4,486 |
| Loan loss allowance to noncurrent loans | 285.2439% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 3,569 |
| Noncurrent loans to loans | 0.2844% | 3,543 |
| Net loans and leases to total assets | 85.7997% | 205 |
| Net loans and leases to deposits | 119.1633% | 93 |
| Net loans and leases to core deposits | 155.8042% | 108 |
| Total domestic deposits to total assets | 72.0017% | 5,044 |
| Equity capital to assets | 11.6894% | 2,243 |
| Core capital (leverage) ratio | 11.5874% | 2,065 |
| Tier 1 risk-based capital ratio | 12.9688% | 3,891 |
| Total risk-based capital ratio | 13.7540% | 4,038 |
| Memoranda: | ||
| Average total assets | $4,081,613,500 | 266 |
| Average earning assets | $3,869,124,000 | 257 |
| Average equity | $491,157,000 | 252 |
| Average total loans | $3,517,895,000 | 232 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9748% | 4,099 |
| Cost of funding earning assets | 1.2054% | 334 |
| Net interest margin | 2.7694% | 5,051 |
| Noninterest income to average assets | 0.1163% | 5,092 |
| Noninterest expense to average assets | 1.0045% | 5,352 |
| Loan and lease loss provision to assets | -0.0485% | 5,194 |
| Net operating income to assets | 1.3013% | 1,795 |
| Return on assets (ROA) | 1.3013% | 1,781 |
| Pretax return on assets | 1.7756% | 983 |
| Return on Equity (ROE) | 10.8059% | 2,162 |
| Retained earnings to average equity (ytd only) | 2.0870% | 4,321 |
| Net charge-offs to loans | -0.0066% | 4,405 |
| Credit loss provision to net charge-offs | 843.8819% | 425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7723% | 5,321 |
| Assets per employee ($millions) | 18.5879% | 53 |
| Cash dividends to net income (ytd only)* | 80.6866% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 4,478 |
| Loan loss allowance to noncurrent loans | 271.4597% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 3,487 |
| Noncurrent loans to loans | 0.3004% | 3,480 |
| Net loans and leases to total assets | 85.1771% | 301 |
| Net loans and leases to deposits | 118.8477% | 105 |
| Net loans and leases to core deposits | 152.2318% | 126 |
| Total domestic deposits to total assets | 71.6691% | 5,091 |
| Equity capital to assets | 12.3761% | 1,649 |
| Core capital (leverage) ratio | 12.2520% | 1,585 |
| Tier 1 risk-based capital ratio | 13.7313% | 3,421 |
| Total risk-based capital ratio | 14.5188% | 3,563 |
| Memoranda: | ||
| Average total assets | $4,125,744,400 | 258 |
| Average earning assets | $3,896,082,000 | 250 |
| Average equity | $496,840,800 | 244 |
| Average total loans | $3,565,427,400 | 224 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 4,062 |
| Cost of funding earning assets | 1.1649% | 302 |
| Net interest margin | 2.7892% | 5,098 |
| Noninterest income to average assets | 0.0954% | 5,228 |
| Noninterest expense to average assets | 1.0115% | 5,422 |
| Loan and lease loss provision to assets | -0.0645% | 5,314 |
| Net operating income to assets | 1.2963% | 1,872 |
| Return on assets (ROA) | 1.2963% | 1,876 |
| Pretax return on assets | 1.7810% | 1,056 |
| Return on Equity (ROE) | 10.8384% | 2,244 |
| Retained earnings to average equity (ytd only) | -0.8401% | 5,124 |
| Net charge-offs to loans | -0.0061% | 4,263 |
| Credit loss provision to net charge-offs | 1,219.5122% | 333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0776% | 5,378 |
| Assets per employee ($millions) | 18.6819% | 56 |
| Cash dividends to net income (ytd only)* | 107.7512% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 4,583 |
| Loan loss allowance to noncurrent loans | 316.5799% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 3,660 |
| Noncurrent loans to loans | 0.2556% | 3,775 |
| Net loans and leases to total assets | 85.2059% | 340 |
| Net loans and leases to deposits | 118.5908% | 118 |
| Net loans and leases to core deposits | 154.2633% | 109 |
| Total domestic deposits to total assets | 71.8486% | 5,139 |
| Equity capital to assets | 12.0741% | 1,855 |
| Core capital (leverage) ratio | 11.7432% | 1,975 |
| Tier 1 risk-based capital ratio | 13.2724% | 3,743 |
| Total risk-based capital ratio | 14.0542% | 3,920 |
| Memoranda: | ||
| Average total assets | $4,134,847,500 | 255 |
| Average earning assets | $3,902,676,750 | 246 |
| Average equity | $494,525,750 | 241 |
| Average total loans | $3,578,831,250 | 225 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9411% | 3,949 |
| Cost of funding earning assets | 1.1682% | 211 |
| Net interest margin | 2.7729% | 5,152 |
| Noninterest income to average assets | 0.0944% | 5,283 |
| Noninterest expense to average assets | 0.9371% | 5,497 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2965% | 1,787 |
| Return on assets (ROA) | 1.2965% | 1,780 |
| Pretax return on assets | 1.7758% | 1,019 |
| Return on Equity (ROE) | 10.8748% | 2,163 |
| Retained earnings to average equity (ytd only) | -6.6638% | 5,350 |
| Net charge-offs to loans | -0.0090% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5433% | 5,464 |
| Assets per employee ($millions) | 18.5989% | 54 |
| Cash dividends to net income (ytd only)* | 161.2778% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 4,534 |
| Loan loss allowance to noncurrent loans | 391.3188% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 3,880 |
| Noncurrent loans to loans | 0.2187% | 3,937 |
| Net loans and leases to total assets | 84.9919% | 354 |
| Net loans and leases to deposits | 120.1918% | 102 |
| Net loans and leases to core deposits | 155.5286% | 96 |
| Total domestic deposits to total assets | 70.7136% | 5,249 |
| Equity capital to assets | 11.5553% | 2,162 |
| Core capital (leverage) ratio | 11.3845% | 2,171 |
| Tier 1 risk-based capital ratio | 12.7311% | 4,047 |
| Total risk-based capital ratio | 13.5575% | 4,185 |
| Memoranda: | ||
| Average total assets | $4,143,120,670 | 253 |
| Average earning assets | $3,912,385,000 | 245 |
| Average equity | $493,951,330 | 238 |
| Average total loans | $3,594,925,000 | 223 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8613% | 4,043 |
| Cost of funding earning assets | 1.1213% | 203 |
| Net interest margin | 2.7399% | 5,221 |
| Noninterest income to average assets | 0.0827% | 5,389 |
| Noninterest expense to average assets | 0.9273% | 5,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2896% | 1,676 |
| Return on assets (ROA) | 1.2896% | 1,680 |
| Pretax return on assets | 1.7438% | 1,018 |
| Return on Equity (ROE) | 10.6513% | 2,104 |
| Retained earnings to average equity (ytd only) | 10.6513% | 977 |
| Net charge-offs to loans | -0.0080% | 4,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7155% | 5,528 |
| Assets per employee ($millions) | 18.8249% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 4,649 |
| Loan loss allowance to noncurrent loans | 260.5643% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 3,660 |
| Noncurrent loans to loans | 0.3252% | 3,600 |
| Net loans and leases to total assets | 86.1093% | 248 |
| Net loans and leases to deposits | 119.4677% | 118 |
| Net loans and leases to core deposits | 156.5636% | 97 |
| Total domestic deposits to total assets | 72.0775% | 5,279 |
| Equity capital to assets | 12.2906% | 1,609 |
| Core capital (leverage) ratio | 12.1253% | 1,574 |
| Tier 1 risk-based capital ratio | 13.4808% | 3,664 |
| Total risk-based capital ratio | 14.3025% | 3,834 |
| Memoranda: | ||
| Average total assets | $4,131,599,000 | 252 |
| Average earning assets | $3,903,160,000 | 241 |
| Average equity | $500,221,000 | 240 |
| Average total loans | $3,606,655,000 | 220 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 3,853 |
| Cost of funding earning assets | 1.0759% | 149 |
| Net interest margin | 2.7844% | 5,186 |
| Noninterest income to average assets | 0.6098% | 2,405 |
| Noninterest expense to average assets | 1.2451% | 5,575 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0736% | 1,965 |
| Return on assets (ROA) | 1.0557% | 2,057 |
| Pretax return on assets | 1.9614% | 533 |
| Return on Equity (ROE) | 8.4654% | 2,569 |
| Retained earnings to average equity (ytd only) | -1.8613% | 5,274 |
| Net charge-offs to loans | -0.0148% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4942% | 5,552 |
| Assets per employee ($millions) | 18.8207% | 56 |
| Cash dividends to net income (ytd only)* | 121.9873% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8406% | 4,698 |
| Loan loss allowance to noncurrent loans | 210.2054% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 3,463 |
| Noncurrent loans to loans | 0.3999% | 3,327 |
| Net loans and leases to total assets | 87.0082% | 190 |
| Net loans and leases to deposits | 120.5791% | 110 |
| Net loans and leases to core deposits | 158.2220% | 93 |
| Total domestic deposits to total assets | 72.1587% | 5,312 |
| Equity capital to assets | 11.9229% | 1,891 |
| Core capital (leverage) ratio | 11.7183% | 1,780 |
| Tier 1 risk-based capital ratio | 13.1029% | 3,847 |
| Total risk-based capital ratio | 13.9227% | 4,000 |
| Memoranda: | ||
| Average total assets | $4,103,015,800 | 246 |
| Average earning assets | $3,867,802,400 | 239 |
| Average equity | $511,682,800 | 224 |
| Average total loans | $3,556,014,800 | 212 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 3,869 |
| Cost of funding earning assets | 1.0658% | 138 |
| Net interest margin | 2.7734% | 5,260 |
| Noninterest income to average assets | 0.7823% | 1,656 |
| Noninterest expense to average assets | 1.3359% | 5,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3010% | 1,327 |
| Return on assets (ROA) | 1.2838% | 1,416 |
| Pretax return on assets | 2.0333% | 513 |
| Return on Equity (ROE) | 10.1819% | 2,046 |
| Retained earnings to average equity (ytd only) | 10.1819% | 546 |
| Net charge-offs to loans | -0.0198% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3371% | 5,597 |
| Assets per employee ($millions) | 18.9812% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8463% | 4,772 |
| Loan loss allowance to noncurrent loans | 307.2150% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 4,095 |
| Noncurrent loans to loans | 0.2755% | 3,965 |
| Net loans and leases to total assets | 86.4764% | 227 |
| Net loans and leases to deposits | 120.8517% | 90 |
| Net loans and leases to core deposits | 161.0785% | 82 |
| Total domestic deposits to total assets | 71.5559% | 5,408 |
| Equity capital to assets | 13.0423% | 1,367 |
| Core capital (leverage) ratio | 12.9704% | 1,220 |
| Tier 1 risk-based capital ratio | 14.4750% | 3,199 |
| Total risk-based capital ratio | 15.2985% | 3,334 |
| Memoranda: | ||
| Average total assets | $4,098,338,000 | 245 |
| Average earning assets | $3,862,363,000 | 239 |
| Average equity | $516,746,000 | 222 |
| Average total loans | $3,540,857,500 | 213 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 3,891 |
| Cost of funding earning assets | 1.0593% | 124 |
| Net interest margin | 2.7418% | 5,317 |
| Noninterest income to average assets | 1.1228% | 795 |
| Noninterest expense to average assets | 1.5588% | 5,526 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3586% | 1,153 |
| Return on assets (ROA) | 1.3328% | 1,233 |
| Pretax return on assets | 2.1058% | 439 |
| Return on Equity (ROE) | 10.6937% | 1,760 |
| Retained earnings to average equity (ytd only) | 10.6937% | 481 |
| Net charge-offs to loans | -0.0224% | 4,816 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0725% | 5,571 |
| Assets per employee ($millions) | 18.3869% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 4,837 |
| Loan loss allowance to noncurrent loans | 296.8716% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 4,129 |
| Noncurrent loans to loans | 0.2835% | 4,024 |
| Net loans and leases to total assets | 86.2136% | 257 |
| Net loans and leases to deposits | 123.6167% | 67 |
| Net loans and leases to core deposits | 164.0526% | 82 |
| Total domestic deposits to total assets | 69.7427% | 5,546 |
| Equity capital to assets | 12.6760% | 1,532 |
| Core capital (leverage) ratio | 12.6762% | 1,304 |
| Tier 1 risk-based capital ratio | 14.0998% | 3,376 |
| Total risk-based capital ratio | 14.9184% | 3,532 |
| Memoranda: | ||
| Average total assets | $4,091,474,670 | 247 |
| Average earning assets | $3,853,167,000 | 239 |
| Average equity | $509,927,330 | 226 |
| Average total loans | $3,523,708,670 | 215 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8292% | 3,657 |
| Cost of funding earning assets | 1.0407% | 138 |
| Net interest margin | 2.7885% | 5,263 |
| Noninterest income to average assets | 2.1458% | 287 |
| Noninterest expense to average assets | 0.9491% | 5,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.3972% | 163 |
| Return on assets (ROA) | 2.3972% | 167 |
| Pretax return on assets | 3.8199% | 89 |
| Return on Equity (ROE) | 19.4030% | 260 |
| Retained earnings to average equity (ytd only) | 19.4030% | 115 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.9015% | 5,834 |
| Assets per employee ($millions) | 19.5541% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8390% | 4,958 |
| Loan loss allowance to noncurrent loans | 290.5193% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 4,198 |
| Noncurrent loans to loans | 0.2888% | 4,081 |
| Net loans and leases to total assets | 85.5858% | 249 |
| Net loans and leases to deposits | 130.2929% | 35 |
| Net loans and leases to core deposits | 165.9507% | 69 |
| Total domestic deposits to total assets | 65.6872% | 5,720 |
| Equity capital to assets | 12.4962% | 1,537 |
| Core capital (leverage) ratio | 12.6553% | 1,266 |
| Tier 1 risk-based capital ratio | 14.1965% | 3,365 |
| Total risk-based capital ratio | 15.0157% | 3,527 |
| Memoranda: | ||
| Average total assets | $4,068,685,500 | 249 |
| Average earning assets | $3,827,566,500 | 240 |
| Average equity | $502,684,500 | 227 |
| Average total loans | $3,487,075,500 | 216 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9285% | 3,465 |
| Cost of funding earning assets | 1.0225% | 151 |
| Net interest margin | 2.9059% | 5,132 |
| Noninterest income to average assets | 0.1898% | 5,269 |
| Noninterest expense to average assets | 1.2611% | 5,820 |
| Loan and lease loss provision to assets | 0.0048% | 4,260 |
| Net operating income to assets | 1.1347% | 1,749 |
| Return on assets (ROA) | 1.1418% | 1,818 |
| Pretax return on assets | 1.6627% | 1,103 |
| Return on Equity (ROE) | 9.2059% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.2052% | 541 |
| Net charge-offs to loans | 0.0240% | 3,565 |
| Credit loss provision to net charge-offs | 23.3509% | 3,650 |
| Earnings coverage of net charge-offs (x) | 81.1280% | 708 |
| Efficiency ratio | 43.2158% | 5,718 |
| Assets per employee ($millions) | 17.9886% | 58 |
| Cash dividends to net income (ytd only)* | 0.0071% | 4,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 4,878 |
| Loan loss allowance to noncurrent loans | 288.2767% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 4,226 |
| Noncurrent loans to loans | 0.3037% | 4,051 |
| Net loans and leases to total assets | 84.3384% | 356 |
| Net loans and leases to deposits | 129.2535% | 43 |
| Net loans and leases to core deposits | 166.2812% | 69 |
| Total domestic deposits to total assets | 65.2504% | 5,772 |
| Equity capital to assets | 12.2096% | 1,676 |
| Core capital (leverage) ratio | 12.7496% | 1,231 |
| Tier 1 risk-based capital ratio | 13.9559% | 3,486 |
| Total risk-based capital ratio | 14.8024% | 3,646 |
| Memoranda: | ||
| Average total assets | $3,711,043,200 | 257 |
| Average earning assets | $3,484,391,200 | 246 |
| Average equity | $460,293,400 | 234 |
| Average total loans | $3,154,107,800 | 221 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,334 |
| Cost of funding earning assets | 1.0321% | 141 |
| Net interest margin | 2.9358% | 5,119 |
| Noninterest income to average assets | 0.2113% | 5,202 |
| Noninterest expense to average assets | 1.3157% | 5,858 |
| Loan and lease loss provision to assets | 0.0065% | 4,098 |
| Net operating income to assets | 1.1252% | 1,893 |
| Return on assets (ROA) | 1.1348% | 1,976 |
| Pretax return on assets | 1.6597% | 1,222 |
| Return on Equity (ROE) | 9.1101% | 2,444 |
| Retained earnings to average equity (ytd only) | 9.1101% | 789 |
| Net charge-offs to loans | 0.0327% | 2,993 |
| Credit loss provision to net charge-offs | 23.3818% | 3,273 |
| Earnings coverage of net charge-offs (x) | 59.5124% | 967 |
| Efficiency ratio | 44.3341% | 5,734 |
| Assets per employee ($millions) | 17.8113% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 4,794 |
| Loan loss allowance to noncurrent loans | 283.5263% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 4,270 |
| Noncurrent loans to loans | 0.3253% | 4,092 |
| Net loans and leases to total assets | 84.5877% | 361 |
| Net loans and leases to deposits | 127.2689% | 58 |
| Net loans and leases to core deposits | 165.3898% | 72 |
| Total domestic deposits to total assets | 66.4638% | 5,806 |
| Equity capital to assets | 12.3767% | 1,854 |
| Core capital (leverage) ratio | 12.9415% | 1,210 |
| Tier 1 risk-based capital ratio | 14.3604% | 3,357 |
| Total risk-based capital ratio | 15.2561% | 3,479 |
| Memoranda: | ||
| Average total assets | $3,635,940,750 | 256 |
| Average earning assets | $3,413,807,250 | 249 |
| Average equity | $452,920,750 | 237 |
| Average total loans | $3,089,366,250 | 226 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0127% | 3,196 |
| Cost of funding earning assets | 1.0391% | 131 |
| Net interest margin | 2.9736% | 5,128 |
| Noninterest income to average assets | 0.2517% | 4,971 |
| Noninterest expense to average assets | 1.4377% | 5,884 |
| Loan and lease loss provision to assets | 0.0099% | 3,897 |
| Net operating income to assets | 1.1208% | 1,883 |
| Return on assets (ROA) | 1.1359% | 1,938 |
| Pretax return on assets | 1.6175% | 1,315 |
| Return on Equity (ROE) | 9.0979% | 2,456 |
| Retained earnings to average equity (ytd only) | 9.0979% | 821 |
| Net charge-offs to loans | 0.0450% | 2,572 |
| Credit loss provision to net charge-offs | 25.8772% | 2,888 |
| Earnings coverage of net charge-offs (x) | 42.0629% | 1,121 |
| Efficiency ratio | 47.2382% | 5,699 |
| Assets per employee ($millions) | 16.4507% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9472% | 4,766 |
| Loan loss allowance to noncurrent loans | 301.0453% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2845% | 4,354 |
| Noncurrent loans to loans | 0.3147% | 4,235 |
| Net loans and leases to total assets | 85.3739% | 301 |
| Net loans and leases to deposits | 137.0361% | 20 |
| Net loans and leases to core deposits | 170.0819% | 68 |
| Total domestic deposits to total assets | 62.3003% | 5,952 |
| Equity capital to assets | 12.4466% | 1,811 |
| Core capital (leverage) ratio | 12.8628% | 1,206 |
| Tier 1 risk-based capital ratio | 14.3652% | 3,397 |
| Total risk-based capital ratio | 15.2865% | 3,505 |
| Memoranda: | ||
| Average total assets | $3,583,315,670 | 262 |
| Average earning assets | $3,364,315,670 | 253 |
| Average equity | $447,377,670 | 237 |
| Average total loans | $3,039,495,000 | 228 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 3,347 |
| Cost of funding earning assets | 1.0060% | 162 |
| Net interest margin | 2.9601% | 5,201 |
| Noninterest income to average assets | 0.1501% | 5,589 |
| Noninterest expense to average assets | 1.1533% | 6,044 |
| Loan and lease loss provision to assets | 0.0103% | 3,558 |
| Net operating income to assets | 1.1190% | 1,836 |
| Return on assets (ROA) | 1.1190% | 1,937 |
| Pretax return on assets | 1.7646% | 912 |
| Return on Equity (ROE) | 8.9484% | 2,450 |
| Retained earnings to average equity (ytd only) | 8.9484% | 1,132 |
| Net charge-offs to loans | 0.0923% | 1,589 |
| Credit loss provision to net charge-offs | 13.2460% | 2,344 |
| Earnings coverage of net charge-offs (x) | 22.8690% | 1,391 |
| Efficiency ratio | 39.3866% | 5,979 |
| Assets per employee ($millions) | 17.0275% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 4,701 |
| Loan loss allowance to noncurrent loans | 298.9488% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 4,398 |
| Noncurrent loans to loans | 0.3289% | 4,260 |
| Net loans and leases to total assets | 83.6977% | 399 |
| Net loans and leases to deposits | 133.5717% | 25 |
| Net loans and leases to core deposits | 168.7899% | 61 |
| Total domestic deposits to total assets | 62.6612% | 6,015 |
| Equity capital to assets | 12.4489% | 1,713 |
| Core capital (leverage) ratio | 13.0244% | 1,151 |
| Tier 1 risk-based capital ratio | 14.4829% | 3,401 |
| Total risk-based capital ratio | 15.4336% | 3,507 |
| Memoranda: | ||
| Average total assets | $3,540,715,000 | 262 |
| Average earning assets | $3,322,974,000 | 257 |
| Average equity | $442,763,000 | 239 |
| Average total loans | $2,978,288,500 | 230 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 2,480 |
| Cost of funding earning assets | 1.1435% | 73 |
| Net interest margin | 3.0801% | 4,950 |
| Noninterest income to average assets | 1.1403% | 905 |
| Noninterest expense to average assets | 1.7464% | 5,802 |
| Loan and lease loss provision to assets | 0.0016% | 4,357 |
| Net operating income to assets | 1.4308% | 983 |
| Return on assets (ROA) | 1.4495% | 978 |
| Pretax return on assets | 2.2955% | 297 |
| Return on Equity (ROE) | 10.8578% | 1,661 |
| Retained earnings to average equity (ytd only) | -2.0519% | 5,756 |
| Net charge-offs to loans | 0.0229% | 3,802 |
| Credit loss provision to net charge-offs | 8.3994% | 3,835 |
| Earnings coverage of net charge-offs (x) | 119.4485% | 508 |
| Efficiency ratio | 43.5039% | 5,990 |
| Assets per employee ($millions) | 16.3786% | 66 |
| Cash dividends to net income (ytd only)* | 118.8977% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 4,362 |
| Loan loss allowance to noncurrent loans | 280.2540% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 4,284 |
| Noncurrent loans to loans | 0.3722% | 4,112 |
| Net loans and leases to total assets | 82.8167% | 504 |
| Net loans and leases to deposits | 134.7175% | 28 |
| Net loans and leases to core deposits | 169.9314% | 61 |
| Total domestic deposits to total assets | 61.4743% | 6,076 |
| Equity capital to assets | 12.5625% | 1,591 |
| Core capital (leverage) ratio | 13.1234% | 1,101 |
| Tier 1 risk-based capital ratio | 14.5540% | 3,413 |
| Total risk-based capital ratio | 15.5550% | 3,460 |
| Memoranda: | ||
| Average total assets | $3,323,297,400 | 257 |
| Average earning assets | $3,100,988,600 | 250 |
| Average equity | $443,644,200 | 231 |
| Average total loans | $2,754,281,200 | 226 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2698% | 2,334 |
| Cost of funding earning assets | 1.1881% | 63 |
| Net interest margin | 3.0818% | 5,010 |
| Noninterest income to average assets | 0.7765% | 1,898 |
| Noninterest expense to average assets | 1.2742% | 6,155 |
| Loan and lease loss provision to assets | -0.0004% | 5,776 |
| Net operating income to assets | 1.5118% | 903 |
| Return on assets (ROA) | 1.5318% | 913 |
| Pretax return on assets | 2.4061% | 280 |
| Return on Equity (ROE) | 11.2979% | 1,596 |
| Retained earnings to average equity (ytd only) | 2.1324% | 4,818 |
| Net charge-offs to loans | 0.0310% | 3,305 |
| Credit loss provision to net charge-offs | -1.5848% | 4,805 |
| Earnings coverage of net charge-offs (x) | 92.6247% | 664 |
| Efficiency ratio | 34.9241% | 6,194 |
| Assets per employee ($millions) | 15.9534% | 68 |
| Cash dividends to net income (ytd only)* | 81.1255% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 4,237 |
| Loan loss allowance to noncurrent loans | 279.7938% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 4,114 |
| Noncurrent loans to loans | 0.3925% | 4,209 |
| Net loans and leases to total assets | 82.4879% | 528 |
| Net loans and leases to deposits | 134.6745% | 27 |
| Net loans and leases to core deposits | 164.8820% | 68 |
| Total domestic deposits to total assets | 61.2499% | 6,164 |
| Equity capital to assets | 13.5823% | 1,192 |
| Core capital (leverage) ratio | 13.7384% | 931 |
| Tier 1 risk-based capital ratio | 15.7148% | 2,941 |
| Total risk-based capital ratio | 16.7646% | 2,965 |
| Memoranda: | ||
| Average total assets | $3,281,963,750 | 263 |
| Average earning assets | $3,058,715,750 | 258 |
| Average equity | $444,990,000 | 234 |
| Average total loans | $2,712,944,750 | 230 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 2,225 |
| Cost of funding earning assets | 1.2023% | 57 |
| Net interest margin | 3.0799% | 5,020 |
| Noninterest income to average assets | 0.9172% | 1,398 |
| Noninterest expense to average assets | 1.2735% | 6,232 |
| Loan and lease loss provision to assets | -0.0024% | 5,931 |
| Net operating income to assets | 1.6052% | 737 |
| Return on assets (ROA) | 1.6354% | 729 |
| Pretax return on assets | 2.5619% | 228 |
| Return on Equity (ROE) | 12.0686% | 1,349 |
| Retained earnings to average equity (ytd only) | -1.7392% | 5,801 |
| Net charge-offs to loans | 0.0279% | 3,107 |
| Credit loss provision to net charge-offs | -10.6383% | 4,694 |
| Earnings coverage of net charge-offs (x) | 109.2420% | 568 |
| Efficiency ratio | 33.6376% | 6,276 |
| Assets per employee ($millions) | 15.4331% | 72 |
| Cash dividends to net income (ytd only)* | 114.4107% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1113% | 4,267 |
| Loan loss allowance to noncurrent loans | 243.7898% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 3,947 |
| Noncurrent loans to loans | 0.4559% | 4,110 |
| Net loans and leases to total assets | 82.1129% | 542 |
| Net loans and leases to deposits | 137.0111% | 29 |
| Net loans and leases to core deposits | 169.5506% | 66 |
| Total domestic deposits to total assets | 59.9316% | 6,251 |
| Equity capital to assets | 13.2353% | 1,287 |
| Core capital (leverage) ratio | 13.4711% | 994 |
| Tier 1 risk-based capital ratio | 15.3039% | 3,198 |
| Total risk-based capital ratio | 16.3652% | 3,235 |
| Memoranda: | ||
| Average total assets | $3,269,847,000 | 263 |
| Average earning assets | $3,045,601,670 | 258 |
| Average equity | $443,085,330 | 236 |
| Average total loans | $2,694,725,330 | 232 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 1,894 |
| Cost of funding earning assets | 1.2720% | 46 |
| Net interest margin | 3.0906% | 4,982 |
| Noninterest income to average assets | 0.4307% | 3,760 |
| Noninterest expense to average assets | 1.2729% | 6,295 |
| Loan and lease loss provision to assets | -0.0025% | 6,074 |
| Net operating income to assets | 1.2982% | 1,283 |
| Return on assets (ROA) | 1.3590% | 1,182 |
| Pretax return on assets | 2.1325% | 450 |
| Return on Equity (ROE) | 9.9109% | 2,044 |
| Retained earnings to average equity (ytd only) | 9.9109% | 949 |
| Net charge-offs to loans | 0.0564% | 2,199 |
| Credit loss provision to net charge-offs | -5.3191% | 4,298 |
| Earnings coverage of net charge-offs (x) | 43.9202% | 917 |
| Efficiency ratio | 38.4793% | 6,296 |
| Assets per employee ($millions) | 15.9875% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 4,378 |
| Loan loss allowance to noncurrent loans | 232.5894% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 3,765 |
| Noncurrent loans to loans | 0.4855% | 4,122 |
| Net loans and leases to total assets | 81.8495% | 477 |
| Net loans and leases to deposits | 135.7159% | 26 |
| Net loans and leases to core deposits | 172.2343% | 66 |
| Total domestic deposits to total assets | 60.3095% | 6,317 |
| Equity capital to assets | 13.7659% | 1,067 |
| Core capital (leverage) ratio | 13.9850% | 827 |
| Tier 1 risk-based capital ratio | 15.9077% | 2,962 |
| Total risk-based capital ratio | 16.9823% | 2,980 |
| Memoranda: | ||
| Average total assets | $3,245,715,500 | 262 |
| Average earning assets | $3,021,785,000 | 257 |
| Average equity | $445,046,500 | 234 |
| Average total loans | $2,664,480,000 | 232 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4931% | 1,896 |
| Cost of funding earning assets | 1.1997% | 84 |
| Net interest margin | 3.2934% | 4,593 |
| Noninterest income to average assets | 0.1725% | 5,823 |
| Noninterest expense to average assets | 1.2942% | 6,398 |
| Loan and lease loss provision to assets | 0.0136% | 4,346 |
| Net operating income to assets | 1.2827% | 1,340 |
| Return on assets (ROA) | 1.2827% | 1,391 |
| Pretax return on assets | 1.9345% | 586 |
| Return on Equity (ROE) | 8.9593% | 2,605 |
| Retained earnings to average equity (ytd only) | 2.2500% | 4,641 |
| Net charge-offs to loans | -0.0091% | 5,540 |
| Credit loss provision to net charge-offs | -185.8407% | 5,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9138% | 6,401 |
| Assets per employee ($millions) | 16.0700% | 73 |
| Cash dividends to net income (ytd only)* | 74.8860% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 4,086 |
| Loan loss allowance to noncurrent loans | 178.6347% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 3,547 |
| Noncurrent loans to loans | 0.6642% | 3,691 |
| Net loans and leases to total assets | 80.4208% | 685 |
| Net loans and leases to deposits | 142.5166% | 20 |
| Net loans and leases to core deposits | 170.9425% | 66 |
| Total domestic deposits to total assets | 56.4290% | 6,431 |
| Equity capital to assets | 13.6567% | 1,095 |
| Core capital (leverage) ratio | 13.7087% | 899 |
| Tier 1 risk-based capital ratio | 15.7841% | 3,071 |
| Total risk-based capital ratio | 16.8964% | 3,087 |
| Memoranda: | ||
| Average total assets | $3,077,984,600 | 261 |
| Average earning assets | $2,869,141,000 | 257 |
| Average equity | $440,660,800 | 223 |
| Average total loans | $2,492,484,400 | 230 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4858% | 1,929 |
| Cost of funding earning assets | 1.1932% | 91 |
| Net interest margin | 3.2925% | 4,634 |
| Noninterest income to average assets | 0.1978% | 5,741 |
| Noninterest expense to average assets | 1.2926% | 6,461 |
| Loan and lease loss provision to assets | 0.0193% | 4,020 |
| Net operating income to assets | 1.3063% | 1,351 |
| Return on assets (ROA) | 1.3062% | 1,411 |
| Pretax return on assets | 1.9564% | 632 |
| Return on Equity (ROE) | 9.0143% | 2,676 |
| Retained earnings to average equity (ytd only) | 9.0143% | 998 |
| Net charge-offs to loans | -0.0286% | 5,721 |
| Credit loss provision to net charge-offs | -83.3333% | 5,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5489% | 6,458 |
| Assets per employee ($millions) | 15.9947% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2165% | 4,142 |
| Loan loss allowance to noncurrent loans | 165.2648% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 3,667 |
| Noncurrent loans to loans | 0.7361% | 3,760 |
| Net loans and leases to total assets | 80.0011% | 711 |
| Net loans and leases to deposits | 149.8358% | 18 |
| Net loans and leases to core deposits | 167.3344% | 67 |
| Total domestic deposits to total assets | 53.3925% | 6,522 |
| Equity capital to assets | 14.3903% | 883 |
| Core capital (leverage) ratio | 14.3864% | 750 |
| Tier 1 risk-based capital ratio | 16.7352% | 2,710 |
| Total risk-based capital ratio | 17.8816% | 2,711 |
| Memoranda: | ||
| Average total assets | $3,043,982,000 | 262 |
| Average earning assets | $2,838,830,750 | 257 |
| Average equity | $441,094,750 | 221 |
| Average total loans | $2,461,666,750 | 228 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5427% | 1,687 |
| Cost of funding earning assets | 1.1870% | 97 |
| Net interest margin | 3.3557% | 4,375 |
| Noninterest income to average assets | 0.1537% | 6,026 |
| Noninterest expense to average assets | 1.3021% | 6,523 |
| Loan and lease loss provision to assets | 0.0173% | 3,913 |
| Net operating income to assets | 1.3288% | 1,230 |
| Return on assets (ROA) | 1.3288% | 1,279 |
| Pretax return on assets | 1.9613% | 604 |
| Return on Equity (ROE) | 9.1478% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.1478% | 937 |
| Net charge-offs to loans | -0.0462% | 5,837 |
| Credit loss provision to net charge-offs | -46.4286% | 5,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6893% | 6,527 |
| Assets per employee ($millions) | 15.1550% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 4,194 |
| Loan loss allowance to noncurrent loans | 173.7323% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 3,876 |
| Noncurrent loans to loans | 0.7166% | 3,913 |
| Net loans and leases to total assets | 79.6922% | 724 |
| Net loans and leases to deposits | 154.1478% | 17 |
| Net loans and leases to core deposits | 164.2962% | 68 |
| Total domestic deposits to total assets | 51.6986% | 6,594 |
| Equity capital to assets | 14.3926% | 848 |
| Core capital (leverage) ratio | 14.3390% | 747 |
| Tier 1 risk-based capital ratio | 16.6288% | 2,771 |
| Total risk-based capital ratio | 17.7941% | 2,772 |
| Memoranda: | ||
| Average total assets | $2,997,657,670 | 265 |
| Average earning assets | $2,793,302,000 | 258 |
| Average equity | $435,447,670 | 221 |
| Average total loans | $2,422,969,670 | 229 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6573% | 1,354 |
| Cost of funding earning assets | 1.1890% | 98 |
| Net interest margin | 3.4683% | 3,830 |
| Noninterest income to average assets | 0.1248% | 6,222 |
| Noninterest expense to average assets | 1.3170% | 6,592 |
| Loan and lease loss provision to assets | 0.0367% | 3,326 |
| Net operating income to assets | 1.3915% | 997 |
| Return on assets (ROA) | 1.3915% | 1,043 |
| Pretax return on assets | 2.0046% | 530 |
| Return on Equity (ROE) | 9.5326% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.5326% | 1,095 |
| Net charge-offs to loans | -0.0937% | 6,094 |
| Credit loss provision to net charge-offs | -48.3871% | 4,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2165% | 6,604 |
| Assets per employee ($millions) | 15.1023% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 4,094 |
| Loan loss allowance to noncurrent loans | 184.4005% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 0.7023% | 4,005 |
| Noncurrent loans to loans | 0.7079% | 4,100 |
| Net loans and leases to total assets | 79.3372% | 619 |
| Net loans and leases to deposits | 152.0805% | 16 |
| Net loans and leases to core deposits | 159.7328% | 74 |
| Total domestic deposits to total assets | 52.1679% | 6,665 |
| Equity capital to assets | 14.6576% | 749 |
| Core capital (leverage) ratio | 14.5702% | 683 |
| Tier 1 risk-based capital ratio | 16.9510% | 2,716 |
| Total risk-based capital ratio | 18.1721% | 2,683 |
| Memoranda: | ||
| Average total assets | $2,943,100,500 | 268 |
| Average earning assets | $2,743,807,000 | 259 |
| Average equity | $429,599,000 | 225 |
| Average total loans | $2,380,921,000 | 230 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 1,237 |
| Cost of funding earning assets | 1.2097% | 167 |
| Net interest margin | 3.6265% | 3,350 |
| Noninterest income to average assets | 0.2182% | 5,775 |
| Noninterest expense to average assets | 1.3643% | 6,647 |
| Loan and lease loss provision to assets | 0.0391% | 4,339 |
| Net operating income to assets | 1.4298% | 968 |
| Return on assets (ROA) | 1.4310% | 1,000 |
| Pretax return on assets | 2.2020% | 313 |
| Return on Equity (ROE) | 9.3450% | 2,396 |
| Retained earnings to average equity (ytd only) | 0.2986% | 5,711 |
| Net charge-offs to loans | 0.1153% | 3,657 |
| Credit loss provision to net charge-offs | 42.0168% | 3,994 |
| Earnings coverage of net charge-offs (x) | 24.0542% | 1,383 |
| Efficiency ratio | 37.8593% | 6,717 |
| Assets per employee ($millions) | 15.3213% | 73 |
| Cash dividends to net income (ytd only)* | 96.8044% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 4,223 |
| Loan loss allowance to noncurrent loans | 153.1445% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 3,749 |
| Noncurrent loans to loans | 0.8372% | 3,887 |
| Net loans and leases to total assets | 80.3776% | 557 |
| Net loans and leases to deposits | 157.7601% | 16 |
| Net loans and leases to core deposits | 164.4943% | 64 |
| Total domestic deposits to total assets | 50.9493% | 6,751 |
| Equity capital to assets | 14.5347% | 777 |
| Core capital (leverage) ratio | 14.4713% | 698 |
| Tier 1 risk-based capital ratio | 16.3932% | 2,904 |
| Total risk-based capital ratio | 17.5767% | 2,906 |
| Memoranda: | ||
| Average total assets | $2,812,173,200 | 268 |
| Average earning assets | $2,625,285,200 | 261 |
| Average equity | $430,636,200 | 218 |
| Average total loans | $2,270,877,600 | 227 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8679% | 1,202 |
| Cost of funding earning assets | 1.2034% | 195 |
| Net interest margin | 3.6645% | 3,177 |
| Noninterest income to average assets | 0.2576% | 5,599 |
| Noninterest expense to average assets | 1.3946% | 6,695 |
| Loan and lease loss provision to assets | 0.0430% | 4,151 |
| Net operating income to assets | 1.4606% | 965 |
| Return on assets (ROA) | 1.4636% | 1,012 |
| Pretax return on assets | 2.2466% | 352 |
| Return on Equity (ROE) | 9.4323% | 2,430 |
| Retained earnings to average equity (ytd only) | 9.4323% | 927 |
| Net charge-offs to loans | 0.0828% | 3,766 |
| Credit loss provision to net charge-offs | 64.5161% | 3,191 |
| Earnings coverage of net charge-offs (x) | 34.2445% | 1,120 |
| Efficiency ratio | 37.9017% | 6,780 |
| Assets per employee ($millions) | 14.9134% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 4,013 |
| Loan loss allowance to noncurrent loans | 133.2005% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.9526% | 3,764 |
| Noncurrent loans to loans | 1.0307% | 3,740 |
| Net loans and leases to total assets | 80.9235% | 457 |
| Net loans and leases to deposits | 156.2097% | 15 |
| Net loans and leases to core deposits | 162.4190% | 70 |
| Total domestic deposits to total assets | 51.8044% | 6,827 |
| Equity capital to assets | 16.1954% | 516 |
| Core capital (leverage) ratio | 16.0523% | 483 |
| Tier 1 risk-based capital ratio | 18.3737% | 2,183 |
| Total risk-based capital ratio | 19.6242% | 2,150 |
| Memoranda: | ||
| Average total assets | $2,787,455,250 | 271 |
| Average earning assets | $2,603,028,250 | 261 |
| Average equity | $432,517,000 | 216 |
| Average total loans | $2,246,042,500 | 227 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 1,203 |
| Cost of funding earning assets | 1.1911% | 222 |
| Net interest margin | 3.6641% | 3,107 |
| Noninterest income to average assets | 0.2313% | 5,792 |
| Noninterest expense to average assets | 1.3546% | 6,751 |
| Loan and lease loss provision to assets | 0.0445% | 4,077 |
| Net operating income to assets | 1.4828% | 928 |
| Return on assets (ROA) | 1.4828% | 1,002 |
| Pretax return on assets | 2.2559% | 378 |
| Return on Equity (ROE) | 9.6978% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.6978% | 912 |
| Net charge-offs to loans | 0.1235% | 3,141 |
| Credit loss provision to net charge-offs | 44.9927% | 3,325 |
| Earnings coverage of net charge-offs (x) | 23.2627% | 1,336 |
| Efficiency ratio | 37.0612% | 6,834 |
| Assets per employee ($millions) | 14.7297% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 4,185 |
| Loan loss allowance to noncurrent loans | 130.3553% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.9544% | 3,872 |
| Noncurrent loans to loans | 1.0483% | 3,836 |
| Net loans and leases to total assets | 80.3383% | 506 |
| Net loans and leases to deposits | 155.7171% | 17 |
| Net loans and leases to core deposits | 162.2388% | 68 |
| Total domestic deposits to total assets | 51.5925% | 6,874 |
| Equity capital to assets | 15.6887% | 580 |
| Core capital (leverage) ratio | 15.5476% | 511 |
| Tier 1 risk-based capital ratio | 17.9350% | 2,332 |
| Total risk-based capital ratio | 19.1854% | 2,306 |
| Memoranda: | ||
| Average total assets | $2,787,002,670 | 270 |
| Average earning assets | $2,604,099,330 | 257 |
| Average equity | $426,136,330 | 218 |
| Average total loans | $2,231,984,000 | 228 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 947 |
| Cost of funding earning assets | 1.1888% | 240 |
| Net interest margin | 3.7832% | 2,509 |
| Noninterest income to average assets | 0.1225% | 6,488 |
| Noninterest expense to average assets | 1.3968% | 6,824 |
| Loan and lease loss provision to assets | 0.0863% | 3,220 |
| Net operating income to assets | 1.3573% | 1,136 |
| Return on assets (ROA) | 1.3573% | 1,227 |
| Pretax return on assets | 2.1746% | 435 |
| Return on Equity (ROE) | 8.9947% | 2,492 |
| Retained earnings to average equity (ytd only) | 8.9947% | 1,383 |
| Net charge-offs to loans | 0.0991% | 2,867 |
| Credit loss provision to net charge-offs | 109.6892% | 1,698 |
| Earnings coverage of net charge-offs (x) | 28.7386% | 978 |
| Efficiency ratio | 38.1881% | 6,900 |
| Assets per employee ($millions) | 14.5682% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4345% | 4,074 |
| Loan loss allowance to noncurrent loans | 131.5796% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 1.0628% | 3,805 |
| Noncurrent loans to loans | 1.0902% | 3,968 |
| Net loans and leases to total assets | 78.9274% | 519 |
| Net loans and leases to deposits | 158.1731% | 18 |
| Net loans and leases to core deposits | 165.0873% | 63 |
| Total domestic deposits to total assets | 49.8994% | 6,953 |
| Equity capital to assets | 15.2830% | 688 |
| Core capital (leverage) ratio | 15.1607% | 567 |
| Tier 1 risk-based capital ratio | 17.7356% | 2,470 |
| Total risk-based capital ratio | 18.9868% | 2,435 |
| Memoranda: | ||
| Average total assets | $2,781,185,000 | 275 |
| Average earning assets | $2,598,846,000 | 261 |
| Average equity | $419,669,000 | 227 |
| Average total loans | $2,208,212,000 | 231 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9331% | 1,737 |
| Cost of funding earning assets | 1.3203% | 346 |
| Net interest margin | 3.6128% | 4,033 |
| Noninterest income to average assets | 0.1650% | 6,213 |
| Noninterest expense to average assets | 1.3681% | 6,921 |
| Loan and lease loss provision to assets | 0.2246% | 2,884 |
| Net operating income to assets | 1.2319% | 1,498 |
| Return on assets (ROA) | 1.2319% | 1,667 |
| Pretax return on assets | 1.9651% | 642 |
| Return on Equity (ROE) | 7.8754% | 3,141 |
| Retained earnings to average equity (ytd only) | -1.3532% | 6,070 |
| Net charge-offs to loans | 0.1451% | 4,242 |
| Credit loss provision to net charge-offs | 206.1856% | 1,242 |
| Earnings coverage of net charge-offs (x) | 20.0990% | 1,367 |
| Efficiency ratio | 38.4538% | 6,958 |
| Assets per employee ($millions) | 14.4784% | 99 |
| Cash dividends to net income (ytd only)* | 117.1828% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4582% | 3,908 |
| Loan loss allowance to noncurrent loans | 109.1242% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.1892% | 3,676 |
| Noncurrent loans to loans | 1.3362% | 3,610 |
| Net loans and leases to total assets | 77.5719% | 722 |
| Net loans and leases to deposits | 156.8076% | 19 |
| Net loans and leases to core deposits | 163.7236% | 70 |
| Total domestic deposits to total assets | 49.4695% | 7,015 |
| Equity capital to assets | 14.8960% | 769 |
| Core capital (leverage) ratio | 14.7580% | 613 |
| Tier 1 risk-based capital ratio | 17.4971% | 2,455 |
| Total risk-based capital ratio | 18.7485% | 2,430 |
| Memoranda: | ||
| Average total assets | $2,671,064,000 | 273 |
| Average earning assets | $2,508,426,000 | 261 |
| Average equity | $417,818,000 | 227 |
| Average total loans | $2,005,516,400 | 247 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 1,807 |
| Cost of funding earning assets | 1.3465% | 358 |
| Net interest margin | 3.6125% | 4,182 |
| Noninterest income to average assets | 0.1775% | 6,244 |
| Noninterest expense to average assets | 1.3657% | 7,009 |
| Loan and lease loss provision to assets | 0.2269% | 2,794 |
| Net operating income to assets | 1.2380% | 1,610 |
| Return on assets (ROA) | 1.2380% | 1,782 |
| Pretax return on assets | 1.9828% | 725 |
| Return on Equity (ROE) | 7.8164% | 3,360 |
| Retained earnings to average equity (ytd only) | 3.3566% | 4,508 |
| Net charge-offs to loans | 0.0554% | 4,881 |
| Credit loss provision to net charge-offs | 552.1472% | 479 |
| Earnings coverage of net charge-offs (x) | 53.7632% | 720 |
| Efficiency ratio | 38.1980% | 7,041 |
| Assets per employee ($millions) | 14.1554% | 101 |
| Cash dividends to net income (ytd only)* | 57.0573% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 3,792 |
| Loan loss allowance to noncurrent loans | 123.8059% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 1.1062% | 4,090 |
| Noncurrent loans to loans | 1.2407% | 3,975 |
| Net loans and leases to total assets | 76.2669% | 930 |
| Net loans and leases to deposits | 150.7836% | 22 |
| Net loans and leases to core deposits | 157.8476% | 86 |
| Total domestic deposits to total assets | 50.5804% | 7,108 |
| Equity capital to assets | 15.6298% | 682 |
| Core capital (leverage) ratio | 15.5000% | 538 |
| Tier 1 risk-based capital ratio | 18.6945% | 2,104 |
| Total risk-based capital ratio | 19.9468% | 2,068 |
| Memoranda: | ||
| Average total assets | $2,643,867,250 | 275 |
| Average earning assets | $2,486,791,000 | 261 |
| Average equity | $418,751,000 | 227 |
| Average total loans | $1,959,822,250 | 252 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9567% | 1,909 |
| Cost of funding earning assets | 1.3828% | 375 |
| Net interest margin | 3.5739% | 4,369 |
| Noninterest income to average assets | 0.1825% | 6,261 |
| Noninterest expense to average assets | 1.3696% | 7,070 |
| Loan and lease loss provision to assets | 0.2295% | 2,779 |
| Net operating income to assets | 1.2106% | 1,680 |
| Return on assets (ROA) | 1.2106% | 1,873 |
| Pretax return on assets | 1.9474% | 765 |
| Return on Equity (ROE) | 7.6082% | 3,443 |
| Retained earnings to average equity (ytd only) | 0.8740% | 5,720 |
| Net charge-offs to loans | 0.0663% | 4,503 |
| Credit loss provision to net charge-offs | 474.6835% | 637 |
| Earnings coverage of net charge-offs (x) | 45.0269% | 798 |
| Efficiency ratio | 38.6187% | 7,086 |
| Assets per employee ($millions) | 14.1797% | 93 |
| Cash dividends to net income (ytd only)* | 88.5118% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5645% | 3,722 |
| Loan loss allowance to noncurrent loans | 170.0954% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 4,724 |
| Noncurrent loans to loans | 0.9198% | 4,662 |
| Net loans and leases to total assets | 73.6077% | 1,307 |
| Net loans and leases to deposits | 139.1380% | 30 |
| Net loans and leases to core deposits | 145.8514% | 120 |
| Total domestic deposits to total assets | 52.9026% | 7,170 |
| Equity capital to assets | 15.5990% | 664 |
| Core capital (leverage) ratio | 15.4236% | 532 |
| Tier 1 risk-based capital ratio | 19.2530% | 1,907 |
| Total risk-based capital ratio | 20.5056% | 1,873 |
| Memoranda: | ||
| Average total assets | $2,614,490,330 | 280 |
| Average earning assets | $2,460,930,000 | 265 |
| Average equity | $415,999,000 | 226 |
| Average total loans | $1,907,724,670 | 255 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9395% | 2,089 |
| Cost of funding earning assets | 1.4193% | 395 |
| Net interest margin | 3.5201% | 4,594 |
| Noninterest income to average assets | 0.2528% | 5,831 |
| Noninterest expense to average assets | 1.3716% | 7,132 |
| Loan and lease loss provision to assets | 0.2318% | 2,631 |
| Net operating income to assets | 1.2019% | 1,728 |
| Return on assets (ROA) | 1.2019% | 1,911 |
| Pretax return on assets | 1.9661% | 784 |
| Return on Equity (ROE) | 7.4784% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.4784% | 2,185 |
| Net charge-offs to loans | 0.0150% | 4,478 |
| Credit loss provision to net charge-offs | 2,142.8571% | 143 |
| Earnings coverage of net charge-offs (x) | 203.2143% | 179 |
| Efficiency ratio | 38.4252% | 7,144 |
| Assets per employee ($millions) | 13.9602% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 3,783 |
| Loan loss allowance to noncurrent loans | 161.6815% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.9220% | 4,678 |
| Noncurrent loans to loans | 0.9803% | 4,713 |
| Net loans and leases to total assets | 71.9492% | 1,413 |
| Net loans and leases to deposits | 133.4308% | 38 |
| Net loans and leases to core deposits | 140.0356% | 148 |
| Total domestic deposits to total assets | 53.9225% | 7,231 |
| Equity capital to assets | 16.1129% | 560 |
| Core capital (leverage) ratio | 15.8984% | 476 |
| Tier 1 risk-based capital ratio | 20.3079% | 1,637 |
| Total risk-based capital ratio | 21.5607% | 1,609 |
| Memoranda: | ||
| Average total assets | $2,588,843,500 | 277 |
| Average earning assets | $2,439,214,500 | 267 |
| Average equity | $416,080,500 | 223 |
| Average total loans | $1,864,883,000 | 255 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 3,447 |
| Cost of funding earning assets | 1.5460% | 596 |
| Net interest margin | 3.3360% | 5,705 |
| Noninterest income to average assets | 0.2015% | 6,063 |
| Noninterest expense to average assets | 1.2650% | 7,250 |
| Loan and lease loss provision to assets | 0.4036% | 2,582 |
| Net operating income to assets | 1.0716% | 1,916 |
| Return on assets (ROA) | 1.0774% | 2,034 |
| Pretax return on assets | 1.6877% | 1,011 |
| Return on Equity (ROE) | 6.6739% | 3,552 |
| Retained earnings to average equity (ytd only) | 0.1522% | 5,767 |
| Net charge-offs to loans | 0.3327% | 3,733 |
| Credit loss provision to net charge-offs | 181.9145% | 1,421 |
| Earnings coverage of net charge-offs (x) | 9.3857% | 1,991 |
| Efficiency ratio | 37.7918% | 7,237 |
| Assets per employee ($millions) | 14.2618% | 101 |
| Cash dividends to net income (ytd only)* | 97.7197% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 3,650 |
| Loan loss allowance to noncurrent loans | 157.9643% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 4,712 |
| Noncurrent loans to loans | 1.0017% | 4,702 |
| Net loans and leases to total assets | 69.8221% | 2,067 |
| Net loans and leases to deposits | 130.4118% | 52 |
| Net loans and leases to core deposits | 137.1249% | 185 |
| Total domestic deposits to total assets | 53.5397% | 7,272 |
| Equity capital to assets | 16.0306% | 571 |
| Core capital (leverage) ratio | 15.9174% | 471 |
| Tier 1 risk-based capital ratio | 20.6672% | 1,486 |
| Total risk-based capital ratio | 21.9198% | 1,458 |
| Memoranda: | ||
| Average total assets | $2,552,108,400 | 277 |
| Average earning assets | $2,406,606,000 | 265 |
| Average equity | $411,990,600 | 214 |
| Average total loans | $1,701,865,400 | 266 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8536% | 3,765 |
| Cost of funding earning assets | 1.5663% | 674 |
| Net interest margin | 3.2873% | 5,895 |
| Noninterest income to average assets | 0.1474% | 6,518 |
| Noninterest expense to average assets | 1.1733% | 7,350 |
| Loan and lease loss provision to assets | 0.4343% | 2,308 |
| Net operating income to assets | 1.0446% | 2,160 |
| Return on assets (ROA) | 1.0523% | 2,276 |
| Pretax return on assets | 1.6528% | 1,249 |
| Return on Equity (ROE) | 6.5072% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.5072% | 2,240 |
| Net charge-offs to loans | 0.3940% | 3,145 |
| Credit loss provision to net charge-offs | 167.9822% | 1,801 |
| Earnings coverage of net charge-offs (x) | 8.0269% | 2,253 |
| Efficiency ratio | 36.1203% | 7,314 |
| Assets per employee ($millions) | 14.6831% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5917% | 3,707 |
| Loan loss allowance to noncurrent loans | 162.4395% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8716% | 4,999 |
| Noncurrent loans to loans | 0.9799% | 4,928 |
| Net loans and leases to total assets | 65.8859% | 2,926 |
| Net loans and leases to deposits | 121.2444% | 81 |
| Net loans and leases to core deposits | 127.7230% | 271 |
| Total domestic deposits to total assets | 54.3414% | 7,342 |
| Equity capital to assets | 16.6114% | 529 |
| Core capital (leverage) ratio | 16.8655% | 414 |
| Tier 1 risk-based capital ratio | 22.4001% | 1,228 |
| Total risk-based capital ratio | 23.6526% | 1,203 |
| Memoranda: | ||
| Average total assets | $2,548,355,250 | 278 |
| Average earning assets | $2,403,863,250 | 263 |
| Average equity | $412,107,250 | 211 |
| Average total loans | $1,672,022,750 | 269 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8701% | 3,754 |
| Cost of funding earning assets | 1.5843% | 748 |
| Net interest margin | 3.2858% | 5,902 |
| Noninterest income to average assets | 0.0910% | 6,872 |
| Noninterest expense to average assets | 1.1496% | 7,433 |
| Loan and lease loss provision to assets | 0.3785% | 2,522 |
| Net operating income to assets | 1.0388% | 2,073 |
| Return on assets (ROA) | 1.0503% | 2,134 |
| Pretax return on assets | 1.6803% | 1,094 |
| Return on Equity (ROE) | 6.5554% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.5554% | 2,112 |
| Net charge-offs to loans | 0.2986% | 3,377 |
| Credit loss provision to net charge-offs | 194.5683% | 1,553 |
| Earnings coverage of net charge-offs (x) | 10.4905% | 1,802 |
| Efficiency ratio | 36.0340% | 7,386 |
| Assets per employee ($millions) | 13.8627% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5893% | 3,735 |
| Loan loss allowance to noncurrent loans | 173.2488% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.8020% | 5,286 |
| Noncurrent loans to loans | 0.9173% | 5,135 |
| Net loans and leases to total assets | 64.3653% | 3,387 |
| Net loans and leases to deposits | 117.2251% | 105 |
| Net loans and leases to core deposits | 125.8672% | 317 |
| Total domestic deposits to total assets | 54.9075% | 7,408 |
| Equity capital to assets | 16.3830% | 561 |
| Core capital (leverage) ratio | 16.4134% | 464 |
| Tier 1 risk-based capital ratio | 22.5540% | 1,184 |
| Total risk-based capital ratio | 23.8063% | 1,160 |
| Memoranda: | ||
| Average total assets | $2,536,396,670 | 282 |
| Average earning assets | $2,392,388,000 | 265 |
| Average equity | $406,384,000 | 213 |
| Average total loans | $1,652,635,670 | 278 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8720% | 3,716 |
| Cost of funding earning assets | 1.5767% | 890 |
| Net interest margin | 3.2954% | 5,795 |
| Noninterest income to average assets | 0.1828% | 6,415 |
| Noninterest expense to average assets | 1.2940% | 7,463 |
| Loan and lease loss provision to assets | 0.3637% | 2,379 |
| Net operating income to assets | 1.0400% | 2,034 |
| Return on assets (ROA) | 1.0655% | 2,011 |
| Pretax return on assets | 1.6761% | 1,025 |
| Return on Equity (ROE) | 6.7264% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.7264% | 2,273 |
| Net charge-offs to loans | 0.5233% | 2,176 |
| Credit loss provision to net charge-offs | 106.8773% | 2,500 |
| Earnings coverage of net charge-offs (x) | 5.8764% | 2,193 |
| Efficiency ratio | 39.2837% | 7,405 |
| Assets per employee ($millions) | 13.8067% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 4,347 |
| Loan loss allowance to noncurrent loans | 110.3552% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 4,631 |
| Noncurrent loans to loans | 1.3315% | 4,478 |
| Net loans and leases to total assets | 64.5727% | 3,338 |
| Net loans and leases to deposits | 120.8696% | 86 |
| Net loans and leases to core deposits | 127.9294% | 292 |
| Total domestic deposits to total assets | 53.4235% | 7,473 |
| Equity capital to assets | 16.0431% | 567 |
| Core capital (leverage) ratio | 16.2973% | 457 |
| Tier 1 risk-based capital ratio | 22.4486% | 1,151 |
| Total risk-based capital ratio | 23.6996% | 1,134 |
| Memoranda: | ||
| Average total assets | $2,529,224,500 | 282 |
| Average earning assets | $2,387,842,500 | 267 |
| Average equity | $400,632,500 | 215 |
| Average total loans | $1,644,800,000 | 283 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1187% | 4,011 |
| Cost of funding earning assets | 1.8449% | 1,011 |
| Net interest margin | 3.2739% | 6,058 |
| Noninterest income to average assets | 0.2247% | 6,197 |
| Noninterest expense to average assets | 1.8843% | 7,180 |
| Loan and lease loss provision to assets | 0.4144% | 3,619 |
| Net operating income to assets | 0.5931% | 3,702 |
| Return on assets (ROA) | 0.5941% | 3,865 |
| Pretax return on assets | 1.0202% | 2,868 |
| Return on Equity (ROE) | 4.2953% | 4,389 |
| Retained earnings to average equity (ytd only) | 4.2953% | 2,834 |
| Net charge-offs to loans | 0.4979% | 3,640 |
| Credit loss provision to net charge-offs | 127.1357% | 3,176 |
| Earnings coverage of net charge-offs (x) | 4.3965% | 2,938 |
| Efficiency ratio | 56.8007% | 6,489 |
| Assets per employee ($millions) | 13.6855% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 4,122 |
| Loan loss allowance to noncurrent loans | 70.0078% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.6519% | 3,822 |
| Noncurrent loans to loans | 2.1141% | 3,417 |
| Net loans and leases to total assets | 63.5739% | 3,959 |
| Net loans and leases to deposits | 126.3606% | 84 |
| Net loans and leases to core deposits | 131.8389% | 307 |
| Total domestic deposits to total assets | 50.3115% | 7,564 |
| Equity capital to assets | 15.6376% | 655 |
| Core capital (leverage) ratio | 16.2614% | 482 |
| Tier 1 risk-based capital ratio | 22.3530% | 1,130 |
| Total risk-based capital ratio | 23.6109% | 1,106 |
| Memoranda: | ||
| Average total assets | $2,280,352,400 | 311 |
| Average earning assets | $2,154,086,000 | 296 |
| Average equity | $315,415,400 | 249 |
| Average total loans | $1,492,954,800 | 317 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1862% | 3,905 |
| Cost of funding earning assets | 1.9165% | 977 |
| Net interest margin | 3.2697% | 6,113 |
| Noninterest income to average assets | 0.2330% | 6,219 |
| Noninterest expense to average assets | 2.1217% | 6,805 |
| Loan and lease loss provision to assets | 0.4179% | 3,397 |
| Net operating income to assets | 0.4218% | 4,651 |
| Return on assets (ROA) | 0.4232% | 4,829 |
| Pretax return on assets | 0.7825% | 3,973 |
| Return on Equity (ROE) | 3.1778% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.1778% | 4,201 |
| Net charge-offs to loans | 0.1927% | 4,794 |
| Credit loss provision to net charge-offs | 329.8529% | 962 |
| Earnings coverage of net charge-offs (x) | 9.4585% | 2,020 |
| Efficiency ratio | 63.9072% | 5,254 |
| Assets per employee ($millions) | 13.4219% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 3,046 |
| Loan loss allowance to noncurrent loans | 64.7339% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.9764% | 3,496 |
| Noncurrent loans to loans | 2.6774% | 2,956 |
| Net loans and leases to total assets | 63.0300% | 4,316 |
| Net loans and leases to deposits | 118.6144% | 127 |
| Net loans and leases to core deposits | 123.7229% | 506 |
| Total domestic deposits to total assets | 53.1386% | 7,655 |
| Equity capital to assets | 16.3295% | 613 |
| Core capital (leverage) ratio | 15.9868% | 567 |
| Tier 1 risk-based capital ratio | 23.3799% | 1,018 |
| Total risk-based capital ratio | 24.6423% | 994 |
| Memoranda: | ||
| Average total assets | $2,217,486,500 | 317 |
| Average earning assets | $2,093,574,000 | 301 |
| Average equity | $295,290,250 | 255 |
| Average total loans | $1,457,755,000 | 324 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2520% | 3,705 |
| Cost of funding earning assets | 1.9791% | 958 |
| Net interest margin | 3.2729% | 6,101 |
| Noninterest income to average assets | 0.2050% | 6,443 |
| Noninterest expense to average assets | 2.5752% | 5,432 |
| Loan and lease loss provision to assets | 0.4611% | 3,012 |
| Net operating income to assets | 0.0446% | 6,001 |
| Return on assets (ROA) | 0.0460% | 6,102 |
| Pretax return on assets | 0.2585% | 5,630 |
| Return on Equity (ROE) | 0.3778% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.3778% | 5,614 |
| Net charge-offs to loans | 0.1702% | 4,596 |
| Credit loss provision to net charge-offs | 408.4158% | 890 |
| Earnings coverage of net charge-offs (x) | 6.3548% | 2,470 |
| Efficiency ratio | 78.2091% | 2,694 |
| Assets per employee ($millions) | 13.6406% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 2,976 |
| Loan loss allowance to noncurrent loans | 67.9415% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.7355% | 3,844 |
| Noncurrent loans to loans | 2.5413% | 3,117 |
| Net loans and leases to total assets | 60.3797% | 4,990 |
| Net loans and leases to deposits | 112.8500% | 219 |
| Net loans and leases to core deposits | 118.2973% | 755 |
| Total domestic deposits to total assets | 53.5044% | 7,722 |
| Equity capital to assets | 15.9503% | 679 |
| Core capital (leverage) ratio | 18.3177% | 334 |
| Tier 1 risk-based capital ratio | 23.5312% | 991 |
| Total risk-based capital ratio | 24.7925% | 973 |
| Memoranda: | ||
| Average total assets | $2,146,858,330 | 326 |
| Average earning assets | $2,025,449,000 | 308 |
| Average equity | $261,485,330 | 282 |
| Average total loans | $1,424,260,000 | 337 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6653% | 1,905 |
| Cost of funding earning assets | 2.1830% | 626 |
| Net interest margin | 3.4823% | 5,231 |
| Noninterest income to average assets | 0.2551% | 6,107 |
| Noninterest expense to average assets | 1.4710% | 7,731 |
| Loan and lease loss provision to assets | 0.5001% | 2,497 |
| Net operating income to assets | 0.9513% | 2,356 |
| Return on assets (ROA) | 0.9527% | 2,418 |
| Pretax return on assets | 1.5606% | 1,361 |
| Return on Equity (ROE) | 9.6445% | 2,230 |
| Retained earnings to average equity (ytd only) | 9.6445% | 1,223 |
| Net charge-offs to loans | 0.0205% | 5,298 |
| Credit loss provision to net charge-offs | 3,521.1268% | 135 |
| Earnings coverage of net charge-offs (x) | 144.9296% | 229 |
| Efficiency ratio | 41.6766% | 7,688 |
| Assets per employee ($millions) | 11.6275% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 2,947 |
| Loan loss allowance to noncurrent loans | 59.7352% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 2.1164% | 3,360 |
| Noncurrent loans to loans | 2.9034% | 2,778 |
| Net loans and leases to total assets | 68.8726% | 3,184 |
| Net loans and leases to deposits | 109.5652% | 300 |
| Net loans and leases to core deposits | 113.7779% | 1,048 |
| Total domestic deposits to total assets | 62.8599% | 7,702 |
| Equity capital to assets | 9.9214% | 3,955 |
| Core capital (leverage) ratio | 9.9618% | 3,213 |
| Tier 1 risk-based capital ratio | 13.3551% | 4,085 |
| Total risk-based capital ratio | 14.6164% | 4,035 |
| Memoranda: | ||
| Average total assets | $1,999,454,500 | 355 |
| Average earning assets | $1,880,144,000 | 338 |
| Average equity | $197,501,500 | 354 |
| Average total loans | $1,386,303,500 | 356 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5333% | 3,977 |
| Cost of funding earning assets | 2.6830% | 621 |
| Net interest margin | 2.8502% | 6,965 |
| Noninterest income to average assets | 0.3294% | 5,728 |
| Noninterest expense to average assets | 1.6022% | 7,767 |
| Loan and lease loss provision to assets | 0.5189% | 3,776 |
| Net operating income to assets | 0.5329% | 3,602 |
| Return on assets (ROA) | 0.5248% | 3,717 |
| Pretax return on assets | 0.8679% | 3,024 |
| Return on Equity (ROE) | 4.9751% | 3,673 |
| Retained earnings to average equity (ytd only) | -5.1151% | 6,036 |
| Net charge-offs to loans | 0.4917% | 3,803 |
| Credit loss provision to net charge-offs | 151.6907% | 3,040 |
| Earnings coverage of net charge-offs (x) | 4.0911% | 3,070 |
| Efficiency ratio | 53.3760% | 7,287 |
| Assets per employee ($millions) | 11.1623% | 204 |
| Cash dividends to net income (ytd only)* | 202.8146% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 3,146 |
| Loan loss allowance to noncurrent loans | 42.7003% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 2.7194% | 2,572 |
| Noncurrent loans to loans | 3.8318% | 1,945 |
| Net loans and leases to total assets | 67.4401% | 3,826 |
| Net loans and leases to deposits | 108.8155% | 428 |
| Net loans and leases to core deposits | 135.3901% | 983 |
| Total domestic deposits to total assets | 61.9765% | 7,762 |
| Equity capital to assets | 9.8331% | 3,965 |
| Core capital (leverage) ratio | 9.7636% | 3,378 |
| Tier 1 risk-based capital ratio | 13.4868% | 3,831 |
| Total risk-based capital ratio | 14.7471% | 3,767 |
| Memoranda: | ||
| Average total assets | $1,841,356,800 | 388 |
| Average earning assets | $1,726,434,400 | 374 |
| Average equity | $194,249,200 | 359 |
| Average total loans | $1,281,038,200 | 385 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5460% | 4,180 |
| Cost of funding earning assets | 2.7853% | 620 |
| Net interest margin | 2.7607% | 7,115 |
| Noninterest income to average assets | 0.3545% | 5,660 |
| Noninterest expense to average assets | 1.5797% | 7,848 |
| Loan and lease loss provision to assets | 0.5203% | 3,307 |
| Net operating income to assets | 0.5064% | 3,957 |
| Return on assets (ROA) | 0.4949% | 4,102 |
| Pretax return on assets | 0.8232% | 3,459 |
| Return on Equity (ROE) | 4.6058% | 4,113 |
| Retained earnings to average equity (ytd only) | -8.8478% | 6,691 |
| Net charge-offs to loans | 0.5065% | 3,195 |
| Credit loss provision to net charge-offs | 147.0711% | 3,292 |
| Earnings coverage of net charge-offs (x) | 3.8482% | 3,364 |
| Efficiency ratio | 53.7100% | 7,266 |
| Assets per employee ($millions) | 11.6328% | 187 |
| Cash dividends to net income (ytd only)* | 292.1014% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 3,081 |
| Loan loss allowance to noncurrent loans | 40.2725% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 2.7925% | 2,485 |
| Noncurrent loans to loans | 3.9199% | 1,877 |
| Net loans and leases to total assets | 67.5237% | 4,062 |
| Net loans and leases to deposits | 109.7283% | 475 |
| Net loans and leases to core deposits | 138.1917% | 1,003 |
| Total domestic deposits to total assets | 61.5372% | 7,833 |
| Equity capital to assets | 9.7808% | 4,374 |
| Core capital (leverage) ratio | 10.3526% | 2,920 |
| Tier 1 risk-based capital ratio | 13.5616% | 3,807 |
| Total risk-based capital ratio | 14.8221% | 3,732 |
| Memoranda: | ||
| Average total assets | $1,807,763,000 | 407 |
| Average earning assets | $1,693,900,000 | 395 |
| Average equity | $194,242,750 | 368 |
| Average total loans | $1,262,648,000 | 406 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 4,782 |
| Cost of funding earning assets | 2.8754% | 649 |
| Net interest margin | 2.5946% | 7,365 |
| Noninterest income to average assets | 0.2647% | 6,379 |
| Noninterest expense to average assets | 1.6688% | 7,864 |
| Loan and lease loss provision to assets | 0.5122% | 2,973 |
| Net operating income to assets | 0.3011% | 4,891 |
| Return on assets (ROA) | 0.2832% | 5,072 |
| Pretax return on assets | 0.4870% | 4,666 |
| Return on Equity (ROE) | 2.5513% | 5,078 |
| Retained earnings to average equity (ytd only) | -7.6907% | 6,634 |
| Net charge-offs to loans | 0.4419% | 3,045 |
| Credit loss provision to net charge-offs | 164.8975% | 2,779 |
| Earnings coverage of net charge-offs (x) | 3.3064% | 3,491 |
| Efficiency ratio | 61.9005% | 6,262 |
| Assets per employee ($millions) | 10.8194% | 212 |
| Cash dividends to net income (ytd only)* | 401.4452% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 2,648 |
| Loan loss allowance to noncurrent loans | 38.4942% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 2.9249% | 2,181 |
| Noncurrent loans to loans | 4.2137% | 1,565 |
| Net loans and leases to total assets | 66.6281% | 4,432 |
| Net loans and leases to deposits | 110.0742% | 546 |
| Net loans and leases to core deposits | 138.6586% | 1,072 |
| Total domestic deposits to total assets | 60.5302% | 7,921 |
| Equity capital to assets | 10.3108% | 3,608 |
| Core capital (leverage) ratio | 10.5863% | 2,740 |
| Tier 1 risk-based capital ratio | 14.5313% | 3,227 |
| Total risk-based capital ratio | 15.7834% | 3,165 |
| Memoranda: | ||
| Average total assets | $1,758,916,670 | 425 |
| Average earning assets | $1,648,126,330 | 408 |
| Average equity | $195,274,670 | 374 |
| Average total loans | $1,236,603,000 | 428 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5891% | 4,424 |
| Cost of funding earning assets | 3.0070% | 591 |
| Net interest margin | 2.5821% | 7,395 |
| Noninterest income to average assets | 0.2630% | 6,351 |
| Noninterest expense to average assets | 1.5511% | 7,943 |
| Loan and lease loss provision to assets | 0.5657% | 2,222 |
| Net operating income to assets | 0.2879% | 5,341 |
| Return on assets (ROA) | 0.2522% | 5,643 |
| Pretax return on assets | 0.5037% | 5,069 |
| Return on Equity (ROE) | 2.1853% | 5,712 |
| Retained earnings to average equity (ytd only) | -18.2377% | 7,595 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9568% | 6,708 |
| Assets per employee ($millions) | 10.7424% | 221 |
| Cash dividends to net income (ytd only)* | 934.5794% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 2,036 |
| Loan loss allowance to noncurrent loans | 40.7711% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 3.0423% | 1,855 |
| Noncurrent loans to loans | 4.2453% | 1,388 |
| Net loans and leases to total assets | 68.6651% | 3,984 |
| Net loans and leases to deposits | 119.1571% | 309 |
| Net loans and leases to core deposits | 151.9827% | 649 |
| Total domestic deposits to total assets | 57.6257% | 8,013 |
| Equity capital to assets | 10.9178% | 3,044 |
| Core capital (leverage) ratio | 11.2033% | 2,337 |
| Tier 1 risk-based capital ratio | 14.9864% | 3,075 |
| Total risk-based capital ratio | 16.2417% | 3,006 |
| Memoranda: | ||
| Average total assets | $1,697,087,000 | 430 |
| Average earning assets | $1,586,165,500 | 422 |
| Average equity | $195,857,500 | 373 |
| Average total loans | $1,217,401,500 | 439 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7849% | 6,486 |
| Cost of funding earning assets | 3.1308% | 1,413 |
| Net interest margin | 2.6541% | 7,568 |
| Noninterest income to average assets | 0.3951% | 5,512 |
| Noninterest expense to average assets | 1.5514% | 8,011 |
| Loan and lease loss provision to assets | 0.6027% | 2,415 |
| Net operating income to assets | 0.4359% | 5,006 |
| Return on assets (ROA) | 0.3453% | 5,189 |
| Pretax return on assets | 0.5744% | 4,769 |
| Return on Equity (ROE) | 2.6145% | 5,376 |
| Retained earnings to average equity (ytd only) | 2.6145% | 3,561 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0557% | 7,261 |
| Assets per employee ($millions) | 10.0149% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 2,361 |
| Loan loss allowance to noncurrent loans | 42.9051% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 2.7822% | 1,688 |
| Noncurrent loans to loans | 3.6607% | 1,380 |
| Net loans and leases to total assets | 72.5842% | 3,467 |
| Net loans and leases to deposits | 132.3583% | 179 |
| Net loans and leases to core deposits | 165.1723% | 488 |
| Total domestic deposits to total assets | 54.8392% | 8,075 |
| Equity capital to assets | 12.2131% | 2,156 |
| Core capital (leverage) ratio | 12.1324% | 1,910 |
| Tier 1 risk-based capital ratio | 16.1917% | 2,588 |
| Total risk-based capital ratio | 17.4453% | 2,524 |
| Memoranda: | ||
| Average total assets | $1,447,590,600 | 481 |
| Average earning assets | $1,349,849,200 | 470 |
| Average equity | $191,202,800 | 386 |
| Average total loans | $1,018,747,000 | 486 |