Home > State Bank and Trust Company > Performance and Condition Ratios
State Bank and Trust Company, Performance and Condition Ratios
| 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 | 5.6074% | 331 |
| Cost of funding earning assets | 0.6496% | 2,394 |
| Net interest margin | 4.9578% | 292 |
| Noninterest income to average assets | 0.8472% | 1,316 |
| Noninterest expense to average assets | 3.1414% | 1,696 |
| Loan and lease loss provision to assets | 0.1623% | 1,254 |
| Net operating income to assets | 1.6520% | 771 |
| Return on assets (ROA) | 1.6509% | 769 |
| Pretax return on assets | 2.1542% | 393 |
| Return on Equity (ROE) | 13.7828% | 1,107 |
| Retained earnings to average equity (ytd only) | 9.7113% | 678 |
| Net charge-offs to loans | 0.1413% | 1,343 |
| Credit loss provision to net charge-offs | 156.3405% | 1,775 |
| Earnings coverage of net charge-offs (x) | 22.3219% | 1,907 |
| Efficiency ratio | 56.5695% | 4,333 |
| Assets per employee ($millions) | 7.6059% | 761 |
| Cash dividends to net income (ytd only)* | 29.5406% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,166 |
| Loan loss allowance to noncurrent loans | 50.0538% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.3800% | 900 |
| Noncurrent loans to loans | 1.7956% | 796 |
| Net loans and leases to total assets | 71.8720% | 2,280 |
| Net loans and leases to deposits | 84.0882% | 2,503 |
| Net loans and leases to core deposits | 87.9760% | 2,755 |
| Total domestic deposits to total assets | 85.4722% | 2,446 |
| Equity capital to assets | 12.9472% | 1,370 |
| Core capital (leverage) ratio | 11.0577% | 2,475 |
| Tier 1 risk-based capital ratio | 12.5252% | 4,119 |
| Total risk-based capital ratio | 13.2607% | 4,317 |
| Memoranda: | ||
| Average total assets | $4,921,140,200 | 225 |
| Average earning assets | $4,578,008,600 | 222 |
| Average equity | $589,459,200 | 219 |
| Average total loans | $3,616,406,600 | 223 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5380% | 335 |
| Cost of funding earning assets | 0.6182% | 2,354 |
| Net interest margin | 4.9198% | 303 |
| Noninterest income to average assets | 0.8747% | 1,269 |
| Noninterest expense to average assets | 3.2760% | 1,357 |
| Loan and lease loss provision to assets | 0.2109% | 799 |
| Net operating income to assets | 1.5750% | 1,010 |
| Return on assets (ROA) | 1.5789% | 1,005 |
| Pretax return on assets | 1.9700% | 672 |
| Return on Equity (ROE) | 13.4488% | 1,285 |
| Retained earnings to average equity (ytd only) | 7.9293% | 1,689 |
| Net charge-offs to loans | 0.0649% | 1,906 |
| Credit loss provision to net charge-offs | 440.9938% | 772 |
| Earnings coverage of net charge-offs (x) | 45.5077% | 1,242 |
| Efficiency ratio | 59.1177% | 3,948 |
| Assets per employee ($millions) | 7.1910% | 871 |
| Cash dividends to net income (ytd only)* | 41.0404% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 4,052 |
| Loan loss allowance to noncurrent loans | 87.5195% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.9174% | 1,608 |
| Noncurrent loans to loans | 1.0837% | 1,570 |
| Net loans and leases to total assets | 73.7580% | 2,024 |
| Net loans and leases to deposits | 85.4473% | 2,427 |
| Net loans and leases to core deposits | 90.7618% | 2,591 |
| Total domestic deposits to total assets | 86.3199% | 2,048 |
| Equity capital to assets | 12.1657% | 1,791 |
| Core capital (leverage) ratio | 10.5439% | 3,045 |
| Tier 1 risk-based capital ratio | 11.4451% | 4,826 |
| Total risk-based capital ratio | 12.2180% | 4,949 |
| Memoranda: | ||
| Average total assets | $4,938,290,750 | 223 |
| Average earning assets | $4,594,410,000 | 219 |
| Average equity | $579,756,500 | 220 |
| Average total loans | $3,640,696,500 | 222 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4011% | 390 |
| Cost of funding earning assets | 0.5765% | 2,384 |
| Net interest margin | 4.8246% | 350 |
| Noninterest income to average assets | 0.8962% | 1,193 |
| Noninterest expense to average assets | 3.1223% | 1,732 |
| Loan and lease loss provision to assets | 0.2266% | 717 |
| Net operating income to assets | 1.5565% | 1,022 |
| Return on assets (ROA) | 1.5565% | 1,024 |
| Pretax return on assets | 2.0395% | 557 |
| Return on Equity (ROE) | 13.4196% | 1,236 |
| Retained earnings to average equity (ytd only) | 5.0463% | 3,054 |
| Net charge-offs to loans | 0.0560% | 1,805 |
| Credit loss provision to net charge-offs | 551.2795% | 664 |
| Earnings coverage of net charge-offs (x) | 55.1191% | 1,058 |
| Efficiency ratio | 56.9642% | 4,368 |
| Assets per employee ($millions) | 6.3637% | 1,232 |
| Cash dividends to net income (ytd only)* | 62.3960% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 4,291 |
| Loan loss allowance to noncurrent loans | 87.5302% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8616% | 1,730 |
| Noncurrent loans to loans | 1.0404% | 1,685 |
| Net loans and leases to total assets | 72.5132% | 2,195 |
| Net loans and leases to deposits | 83.0320% | 2,650 |
| Net loans and leases to core deposits | 88.5812% | 2,672 |
| Total domestic deposits to total assets | 87.3315% | 1,710 |
| Equity capital to assets | 11.6309% | 2,104 |
| Core capital (leverage) ratio | 10.2143% | 3,349 |
| Tier 1 risk-based capital ratio | 11.1272% | 4,986 |
| Total risk-based capital ratio | 11.8775% | 5,119 |
| Memoranda: | ||
| Average total assets | $4,942,432,000 | 219 |
| Average earning assets | $4,601,848,670 | 217 |
| Average equity | $573,253,000 | 217 |
| Average total loans | $3,631,592,000 | 220 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 432 |
| Cost of funding earning assets | 0.4972% | 2,816 |
| Net interest margin | 4.7703% | 363 |
| Noninterest income to average assets | 0.8880% | 1,179 |
| Noninterest expense to average assets | 3.1807% | 1,610 |
| Loan and lease loss provision to assets | 0.2612% | 547 |
| Net operating income to assets | 1.4512% | 1,191 |
| Return on assets (ROA) | 1.4512% | 1,197 |
| Pretax return on assets | 1.9031% | 718 |
| Return on Equity (ROE) | 12.5294% | 1,405 |
| Retained earnings to average equity (ytd only) | -4.3424% | 5,163 |
| Net charge-offs to loans | 0.0709% | 1,412 |
| Credit loss provision to net charge-offs | 500.4680% | 577 |
| Earnings coverage of net charge-offs (x) | 41.4696% | 1,049 |
| Efficiency ratio | 58.5154% | 4,283 |
| Assets per employee ($millions) | 6.1762% | 1,380 |
| Cash dividends to net income (ytd only)* | 134.6575% | 366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 4,623 |
| Loan loss allowance to noncurrent loans | 132.4130% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5710% | 2,614 |
| Noncurrent loans to loans | 0.6451% | 2,610 |
| Net loans and leases to total assets | 74.4933% | 1,786 |
| Net loans and leases to deposits | 85.4381% | 2,242 |
| Net loans and leases to core deposits | 91.0578% | 2,370 |
| Total domestic deposits to total assets | 87.1898% | 2,051 |
| Equity capital to assets | 11.5433% | 2,097 |
| Core capital (leverage) ratio | 9.9619% | 3,576 |
| Tier 1 risk-based capital ratio | 10.6056% | 5,317 |
| Total risk-based capital ratio | 11.3075% | 5,424 |
| Memoranda: | ||
| Average total assets | $4,912,699,000 | 217 |
| Average earning assets | $4,590,029,500 | 214 |
| Average equity | $568,995,500 | 220 |
| Average total loans | $3,617,203,500 | 219 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9734% | 682 |
| Cost of funding earning assets | 0.3706% | 3,511 |
| Net interest margin | 4.6028% | 502 |
| Noninterest income to average assets | 0.9424% | 1,157 |
| Noninterest expense to average assets | 3.0714% | 1,952 |
| Loan and lease loss provision to assets | 0.1347% | 1,704 |
| Net operating income to assets | 1.0802% | 1,932 |
| Return on assets (ROA) | 1.0597% | 2,041 |
| Pretax return on assets | 1.9725% | 522 |
| Return on Equity (ROE) | 8.5485% | 2,521 |
| Retained earnings to average equity (ytd only) | 4.2104% | 2,638 |
| Net charge-offs to loans | 0.1245% | 1,807 |
| Credit loss provision to net charge-offs | 154.3709% | 1,738 |
| Earnings coverage of net charge-offs (x) | 24.5227% | 1,754 |
| Efficiency ratio | 57.7554% | 4,556 |
| Assets per employee ($millions) | 5.9954% | 1,518 |
| Cash dividends to net income (ytd only)* | 50.7466% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 4,806 |
| Loan loss allowance to noncurrent loans | 139.8210% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 3,131 |
| Noncurrent loans to loans | 0.5762% | 2,776 |
| Net loans and leases to total assets | 71.5633% | 2,289 |
| Net loans and leases to deposits | 82.3513% | 2,687 |
| Net loans and leases to core deposits | 85.6097% | 2,939 |
| Total domestic deposits to total assets | 86.8999% | 2,043 |
| Equity capital to assets | 11.6204% | 2,103 |
| Core capital (leverage) ratio | 9.8984% | 3,584 |
| Tier 1 risk-based capital ratio | 11.1047% | 5,085 |
| Total risk-based capital ratio | 11.7683% | 5,268 |
| Memoranda: | ||
| Average total assets | $4,537,382,600 | 224 |
| Average earning assets | $4,207,501,200 | 218 |
| Average equity | $562,461,800 | 213 |
| Average total loans | $3,178,346,600 | 230 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7069% | 1,118 |
| Cost of funding earning assets | 0.3242% | 3,901 |
| Net interest margin | 4.3827% | 753 |
| Noninterest income to average assets | 0.9573% | 1,125 |
| Noninterest expense to average assets | 2.9800% | 2,164 |
| Loan and lease loss provision to assets | 0.0981% | 2,148 |
| Net operating income to assets | 1.2638% | 1,456 |
| Return on assets (ROA) | 1.2643% | 1,486 |
| Pretax return on assets | 1.9357% | 626 |
| Return on Equity (ROE) | 10.0243% | 2,121 |
| Retained earnings to average equity (ytd only) | 4.2086% | 3,394 |
| Net charge-offs to loans | 0.1306% | 1,481 |
| Credit loss provision to net charge-offs | 108.0848% | 2,167 |
| Earnings coverage of net charge-offs (x) | 22.4066% | 1,865 |
| Efficiency ratio | 58.1910% | 4,476 |
| Assets per employee ($millions) | 6.2789% | 1,318 |
| Cash dividends to net income (ytd only)* | 58.0165% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7414% | 5,044 |
| Loan loss allowance to noncurrent loans | 106.6937% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 3,004 |
| Noncurrent loans to loans | 0.6949% | 2,624 |
| Net loans and leases to total assets | 69.9683% | 2,562 |
| Net loans and leases to deposits | 83.5394% | 2,608 |
| Net loans and leases to core deposits | 87.0517% | 2,869 |
| Total domestic deposits to total assets | 83.7549% | 3,209 |
| Equity capital to assets | 11.1076% | 2,758 |
| Core capital (leverage) ratio | 11.6014% | 1,949 |
| Tier 1 risk-based capital ratio | 10.6239% | 5,406 |
| Total risk-based capital ratio | 11.2283% | 5,569 |
| Memoranda: | ||
| Average total assets | $4,435,181,000 | 228 |
| Average earning assets | $4,104,067,250 | 224 |
| Average equity | $559,385,000 | 213 |
| Average total loans | $3,080,832,250 | 236 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0188% | 545 |
| Cost of funding earning assets | 0.3414% | 3,674 |
| Net interest margin | 4.6774% | 407 |
| Noninterest income to average assets | 1.0461% | 934 |
| Noninterest expense to average assets | 3.2249% | 1,525 |
| Loan and lease loss provision to assets | 0.1355% | 1,531 |
| Net operating income to assets | 1.3017% | 1,292 |
| Return on assets (ROA) | 1.3024% | 1,314 |
| Pretax return on assets | 1.9963% | 532 |
| Return on Equity (ROE) | 9.8478% | 2,102 |
| Retained earnings to average equity (ytd only) | 1.0657% | 4,816 |
| Net charge-offs to loans | 0.1005% | 1,619 |
| Credit loss provision to net charge-offs | 195.4015% | 1,296 |
| Earnings coverage of net charge-offs (x) | 30.7207% | 1,444 |
| Efficiency ratio | 58.9768% | 4,470 |
| Assets per employee ($millions) | 5.6905% | 1,711 |
| Cash dividends to net income (ytd only)* | 89.1780% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 4,388 |
| Loan loss allowance to noncurrent loans | 163.4336% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 3,260 |
| Noncurrent loans to loans | 0.5845% | 2,978 |
| Net loans and leases to total assets | 68.8201% | 2,689 |
| Net loans and leases to deposits | 82.5799% | 2,644 |
| Net loans and leases to core deposits | 85.8219% | 2,897 |
| Total domestic deposits to total assets | 83.3376% | 3,453 |
| Equity capital to assets | 13.1521% | 1,302 |
| Core capital (leverage) ratio | 11.4021% | 2,048 |
| Tier 1 risk-based capital ratio | 12.8855% | 4,072 |
| Total risk-based capital ratio | 13.6617% | 4,239 |
| Memoranda: | ||
| Average total assets | $4,201,518,330 | 241 |
| Average earning assets | $3,871,022,330 | 236 |
| Average equity | $555,678,670 | 215 |
| Average total loans | $2,900,932,000 | 249 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 646 |
| Cost of funding earning assets | 0.3358% | 3,688 |
| Net interest margin | 4.5542% | 475 |
| Noninterest income to average assets | 1.0361% | 938 |
| Noninterest expense to average assets | 3.3848% | 1,231 |
| Loan and lease loss provision to assets | 0.0956% | 1,952 |
| Net operating income to assets | 1.1288% | 1,755 |
| Return on assets (ROA) | 1.1295% | 1,788 |
| Pretax return on assets | 1.7466% | 906 |
| Return on Equity (ROE) | 8.5167% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.5167% | 1,271 |
| Net charge-offs to loans | 0.0865% | 1,479 |
| Credit loss provision to net charge-offs | 160.5769% | 1,165 |
| Earnings coverage of net charge-offs (x) | 30.9343% | 1,201 |
| Efficiency ratio | 63.5001% | 3,916 |
| Assets per employee ($millions) | 5.6973% | 1,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 4,650 |
| Loan loss allowance to noncurrent loans | 126.5291% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.5997% | 2,845 |
| Noncurrent loans to loans | 0.7336% | 2,663 |
| Net loans and leases to total assets | 68.8495% | 2,554 |
| Net loans and leases to deposits | 83.5058% | 2,340 |
| Net loans and leases to core deposits | 85.9104% | 2,725 |
| Total domestic deposits to total assets | 82.4487% | 4,040 |
| Equity capital to assets | 13.4417% | 1,091 |
| Core capital (leverage) ratio | 11.6714% | 1,844 |
| Tier 1 risk-based capital ratio | 13.1906% | 3,958 |
| Total risk-based capital ratio | 13.9426% | 4,166 |
| Memoranda: | ||
| Average total assets | $4,193,950,000 | 241 |
| Average earning assets | $3,858,369,000 | 237 |
| Average equity | $556,228,000 | 216 |
| Average total loans | $2,886,450,500 | 253 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 767 |
| Cost of funding earning assets | 0.2838% | 4,222 |
| Net interest margin | 4.5945% | 515 |
| Noninterest income to average assets | 1.1234% | 911 |
| Noninterest expense to average assets | 3.2931% | 1,591 |
| Loan and lease loss provision to assets | 0.0065% | 4,234 |
| Net operating income to assets | 1.3220% | 1,166 |
| Return on assets (ROA) | 1.3305% | 1,198 |
| Pretax return on assets | 2.0795% | 418 |
| Return on Equity (ROE) | 9.8151% | 2,047 |
| Retained earnings to average equity (ytd only) | -1.8425% | 5,522 |
| Net charge-offs to loans | 0.1110% | 2,156 |
| Credit loss provision to net charge-offs | 8.7325% | 3,745 |
| Earnings coverage of net charge-offs (x) | 28.0291% | 1,488 |
| Efficiency ratio | 60.3054% | 4,537 |
| Assets per employee ($millions) | 5.7775% | 1,637 |
| Cash dividends to net income (ytd only)* | 118.7721% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 4,662 |
| Loan loss allowance to noncurrent loans | 126.8021% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 2,467 |
| Noncurrent loans to loans | 0.7317% | 2,698 |
| Net loans and leases to total assets | 67.5252% | 2,851 |
| Net loans and leases to deposits | 80.9090% | 2,787 |
| Net loans and leases to core deposits | 83.2461% | 3,104 |
| Total domestic deposits to total assets | 83.4582% | 3,612 |
| Equity capital to assets | 13.0846% | 1,222 |
| Core capital (leverage) ratio | 13.1794% | 1,068 |
| Tier 1 risk-based capital ratio | 13.0669% | 4,023 |
| Total risk-based capital ratio | 13.8172% | 4,234 |
| Memoranda: | ||
| Average total assets | $3,670,302,200 | 258 |
| Average earning assets | $3,388,894,800 | 253 |
| Average equity | $497,531,600 | 221 |
| Average total loans | $2,444,447,800 | 269 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0368% | 555 |
| Cost of funding earning assets | 0.2847% | 4,258 |
| Net interest margin | 4.7521% | 395 |
| Noninterest income to average assets | 1.1517% | 862 |
| Noninterest expense to average assets | 3.3121% | 1,536 |
| Loan and lease loss provision to assets | -0.0015% | 5,625 |
| Net operating income to assets | 1.4304% | 1,003 |
| Return on assets (ROA) | 1.4412% | 1,037 |
| Pretax return on assets | 2.2557% | 338 |
| Return on Equity (ROE) | 10.5229% | 1,858 |
| Retained earnings to average equity (ytd only) | 5.8430% | 2,271 |
| Net charge-offs to loans | 0.1059% | 1,882 |
| Credit loss provision to net charge-offs | -2.1529% | 4,593 |
| Earnings coverage of net charge-offs (x) | 31.9392% | 1,427 |
| Efficiency ratio | 58.6052% | 4,736 |
| Assets per employee ($millions) | 5.3740% | 1,977 |
| Cash dividends to net income (ytd only)* | 44.4735% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,687 |
| Loan loss allowance to noncurrent loans | 152.5341% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 2,571 |
| Noncurrent loans to loans | 0.7392% | 2,824 |
| Net loans and leases to total assets | 66.1839% | 3,094 |
| Net loans and leases to deposits | 79.3060% | 3,049 |
| Net loans and leases to core deposits | 81.6373% | 3,313 |
| Total domestic deposits to total assets | 83.4539% | 3,420 |
| Equity capital to assets | 13.7998% | 1,119 |
| Core capital (leverage) ratio | 12.8757% | 1,235 |
| Tier 1 risk-based capital ratio | 14.6683% | 3,206 |
| Total risk-based capital ratio | 15.5574% | 3,321 |
| Memoranda: | ||
| Average total assets | $3,536,365,750 | 262 |
| Average earning assets | $3,272,670,000 | 260 |
| Average equity | $484,328,000 | 224 |
| Average total loans | $2,338,874,500 | 277 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0861% | 507 |
| Cost of funding earning assets | 0.2750% | 4,390 |
| Net interest margin | 4.8111% | 360 |
| Noninterest income to average assets | 1.1318% | 873 |
| Noninterest expense to average assets | 3.3431% | 1,501 |
| Loan and lease loss provision to assets | -0.0073% | 5,762 |
| Net operating income to assets | 1.4355% | 996 |
| Return on assets (ROA) | 1.4504% | 1,022 |
| Pretax return on assets | 2.2835% | 317 |
| Return on Equity (ROE) | 10.6180% | 1,797 |
| Retained earnings to average equity (ytd only) | 3.5369% | 3,643 |
| Net charge-offs to loans | 0.1165% | 1,669 |
| Credit loss provision to net charge-offs | -9.4955% | 4,462 |
| Earnings coverage of net charge-offs (x) | 29.3731% | 1,404 |
| Efficiency ratio | 58.6497% | 4,818 |
| Assets per employee ($millions) | 5.3117% | 1,971 |
| Cash dividends to net income (ytd only)* | 66.6902% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 3,704 |
| Loan loss allowance to noncurrent loans | 133.5672% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.9032% | 2,351 |
| Noncurrent loans to loans | 0.8551% | 2,604 |
| Net loans and leases to total assets | 66.9230% | 2,952 |
| Net loans and leases to deposits | 81.2750% | 2,785 |
| Net loans and leases to core deposits | 83.5160% | 3,128 |
| Total domestic deposits to total assets | 82.3414% | 3,894 |
| Equity capital to assets | 13.5770% | 1,193 |
| Core capital (leverage) ratio | 12.6216% | 1,294 |
| Tier 1 risk-based capital ratio | 14.3389% | 3,412 |
| Total risk-based capital ratio | 15.2475% | 3,524 |
| Memoranda: | ||
| Average total assets | $3,514,952,330 | 264 |
| Average earning assets | $3,261,560,670 | 258 |
| Average equity | $480,144,670 | 228 |
| Average total loans | $2,315,100,000 | 276 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 830 |
| Cost of funding earning assets | 0.2610% | 4,600 |
| Net interest margin | 4.5475% | 556 |
| Noninterest income to average assets | 1.0847% | 918 |
| Noninterest expense to average assets | 3.2510% | 1,721 |
| Loan and lease loss provision to assets | -0.0154% | 5,900 |
| Net operating income to assets | 1.2996% | 1,254 |
| Return on assets (ROA) | 1.3006% | 1,339 |
| Pretax return on assets | 2.0725% | 490 |
| Return on Equity (ROE) | 9.4914% | 2,203 |
| Retained earnings to average equity (ytd only) | 9.4914% | 979 |
| Net charge-offs to loans | -0.2480% | 5,893 |
| Credit loss provision to net charge-offs | 9.5442% | 2,362 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0843% | 4,732 |
| Assets per employee ($millions) | 5.4480% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3115% | 2,844 |
| Loan loss allowance to noncurrent loans | 113.2910% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.0904% | 2,028 |
| Noncurrent loans to loans | 1.1576% | 2,089 |
| Net loans and leases to total assets | 64.8806% | 3,125 |
| Net loans and leases to deposits | 77.2672% | 3,077 |
| Net loans and leases to core deposits | 79.9940% | 3,321 |
| Total domestic deposits to total assets | 83.9691% | 3,533 |
| Equity capital to assets | 13.7862% | 1,058 |
| Core capital (leverage) ratio | 12.8550% | 1,216 |
| Tier 1 risk-based capital ratio | 15.0847% | 3,117 |
| Total risk-based capital ratio | 16.1302% | 3,149 |
| Memoranda: | ||
| Average total assets | $3,487,691,000 | 264 |
| Average earning assets | $3,237,993,500 | 261 |
| Average equity | $477,904,000 | 228 |
| Average total loans | $2,264,451,000 | 278 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1577% | 464 |
| Cost of funding earning assets | 0.2525% | 4,756 |
| Net interest margin | 4.9052% | 296 |
| Noninterest income to average assets | 0.6907% | 2,249 |
| Noninterest expense to average assets | 3.5540% | 1,202 |
| Loan and lease loss provision to assets | 0.1340% | 1,780 |
| Net operating income to assets | 1.0002% | 2,362 |
| Return on assets (ROA) | 1.0069% | 2,412 |
| Pretax return on assets | 1.5648% | 1,361 |
| Return on Equity (ROE) | 7.3344% | 3,341 |
| Retained earnings to average equity (ytd only) | 3.4786% | 3,581 |
| Net charge-offs to loans | 0.1943% | 1,498 |
| Credit loss provision to net charge-offs | 110.6742% | 2,283 |
| Earnings coverage of net charge-offs (x) | 13.9443% | 2,335 |
| Efficiency ratio | 66.7772% | 3,782 |
| Assets per employee ($millions) | 5.5032% | 1,800 |
| Cash dividends to net income (ytd only)* | 52.5713% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 2,825 |
| Loan loss allowance to noncurrent loans | 119.5321% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0085% | 2,178 |
| Noncurrent loans to loans | 1.0981% | 2,143 |
| Net loans and leases to total assets | 63.2548% | 3,379 |
| Net loans and leases to deposits | 75.0551% | 3,378 |
| Net loans and leases to core deposits | 77.2008% | 3,643 |
| Total domestic deposits to total assets | 84.2778% | 3,374 |
| Equity capital to assets | 13.6174% | 1,078 |
| Core capital (leverage) ratio | 12.6201% | 1,298 |
| Tier 1 risk-based capital ratio | 15.4190% | 2,976 |
| Total risk-based capital ratio | 16.4676% | 3,009 |
| Memoranda: | ||
| Average total assets | $3,381,418,400 | 255 |
| Average earning assets | $3,137,625,400 | 249 |
| Average equity | $464,239,400 | 223 |
| Average total loans | $2,107,514,200 | 272 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0845% | 532 |
| Cost of funding earning assets | 0.2533% | 4,840 |
| Net interest margin | 4.8312% | 353 |
| Noninterest income to average assets | 0.5615% | 2,972 |
| Noninterest expense to average assets | 3.6484% | 1,046 |
| Loan and lease loss provision to assets | 0.1601% | 1,342 |
| Net operating income to assets | 0.8028% | 3,419 |
| Return on assets (ROA) | 0.8115% | 3,470 |
| Pretax return on assets | 1.2496% | 2,602 |
| Return on Equity (ROE) | 5.8987% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.8987% | 2,313 |
| Net charge-offs to loans | 0.2400% | 1,087 |
| Credit loss provision to net charge-offs | 107.7971% | 2,143 |
| Earnings coverage of net charge-offs (x) | 9.4035% | 2,702 |
| Efficiency ratio | 71.3038% | 2,994 |
| Assets per employee ($millions) | 5.2603% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 3,007 |
| Loan loss allowance to noncurrent loans | 129.5741% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.9945% | 2,372 |
| Noncurrent loans to loans | 1.0152% | 2,446 |
| Net loans and leases to total assets | 64.0657% | 3,300 |
| Net loans and leases to deposits | 76.2678% | 3,269 |
| Net loans and leases to core deposits | 79.1596% | 3,494 |
| Total domestic deposits to total assets | 84.0010% | 3,428 |
| Equity capital to assets | 14.1338% | 969 |
| Core capital (leverage) ratio | 13.3252% | 1,081 |
| Tier 1 risk-based capital ratio | 16.1678% | 2,726 |
| Total risk-based capital ratio | 17.2359% | 2,749 |
| Memoranda: | ||
| Average total assets | $3,362,777,750 | 259 |
| Average earning assets | $3,120,497,250 | 252 |
| Average equity | $462,645,500 | 228 |
| Average total loans | $2,080,605,250 | 279 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1971% | 428 |
| Cost of funding earning assets | 0.2644% | 4,779 |
| Net interest margin | 4.9327% | 284 |
| Noninterest income to average assets | -0.2283% | 6,322 |
| Noninterest expense to average assets | 3.3710% | 1,532 |
| Loan and lease loss provision to assets | 0.2655% | 630 |
| Net operating income to assets | 0.5039% | 4,750 |
| Return on assets (ROA) | 0.5189% | 4,793 |
| Pretax return on assets | 0.7821% | 4,380 |
| Return on Equity (ROE) | 3.8317% | 5,083 |
| Retained earnings to average equity (ytd only) | 3.8317% | 3,565 |
| Net charge-offs to loans | 0.3920% | 664 |
| Credit loss provision to net charge-offs | 112.2339% | 1,901 |
| Earnings coverage of net charge-offs (x) | 4.3328% | 3,054 |
| Efficiency ratio | 75.9785% | 2,361 |
| Assets per employee ($millions) | 5.4019% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 1,730 |
| Loan loss allowance to noncurrent loans | 121.0805% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 1.1690% | 2,169 |
| Noncurrent loans to loans | 1.3665% | 1,980 |
| Net loans and leases to total assets | 62.5428% | 3,471 |
| Net loans and leases to deposits | 73.0639% | 3,612 |
| Net loans and leases to core deposits | 75.3314% | 3,820 |
| Total domestic deposits to total assets | 85.6001% | 2,876 |
| Equity capital to assets | 13.8411% | 1,034 |
| Core capital (leverage) ratio | 13.3372% | 1,035 |
| Tier 1 risk-based capital ratio | 17.1699% | 2,343 |
| Total risk-based capital ratio | 18.4212% | 2,289 |
| Memoranda: | ||
| Average total assets | $2,820,059,000 | 296 |
| Average earning assets | $2,643,625,330 | 290 |
| Average equity | $381,916,330 | 263 |
| Average total loans | $1,701,485,330 | 317 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6727% | 202 |
| Cost of funding earning assets | 0.2627% | 4,872 |
| Net interest margin | 5.4101% | 136 |
| Noninterest income to average assets | 0.6722% | 2,294 |
| Noninterest expense to average assets | 3.2388% | 1,877 |
| Loan and lease loss provision to assets | 0.4761% | 223 |
| Net operating income to assets | 1.2869% | 1,317 |
| Return on assets (ROA) | 1.3210% | 1,290 |
| Pretax return on assets | 2.0893% | 492 |
| Return on Equity (ROE) | 9.8595% | 2,067 |
| Retained earnings to average equity (ytd only) | 9.8595% | 962 |
| Net charge-offs to loans | 0.5614% | 439 |
| Credit loss provision to net charge-offs | 144.3404% | 1,281 |
| Earnings coverage of net charge-offs (x) | 7.6162% | 2,155 |
| Efficiency ratio | 55.8134% | 5,527 |
| Assets per employee ($millions) | 5.1924% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 1,655 |
| Loan loss allowance to noncurrent loans | 121.5596% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 2,162 |
| Noncurrent loans to loans | 1.4267% | 2,006 |
| Net loans and leases to total assets | 59.6439% | 3,706 |
| Net loans and leases to deposits | 69.7572% | 3,776 |
| Net loans and leases to core deposits | 71.8412% | 3,983 |
| Total domestic deposits to total assets | 85.5021% | 3,177 |
| Equity capital to assets | 13.7083% | 1,089 |
| Core capital (leverage) ratio | 13.4179% | 1,002 |
| Tier 1 risk-based capital ratio | 17.8355% | 2,186 |
| Total risk-based capital ratio | 19.0878% | 2,145 |
| Memoranda: | ||
| Average total assets | $2,849,914,500 | 290 |
| Average earning assets | $2,675,390,500 | 285 |
| Average equity | $381,843,000 | 262 |
| Average total loans | $1,674,506,000 | 321 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2946% | 110 |
| Cost of funding earning assets | 0.3081% | 4,707 |
| Net interest margin | 5.9865% | 85 |
| Noninterest income to average assets | -0.0393% | 6,430 |
| Noninterest expense to average assets | 3.5114% | 1,460 |
| Loan and lease loss provision to assets | 0.0002% | 4,602 |
| Net operating income to assets | 1.2135% | 1,547 |
| Return on assets (ROA) | 1.2194% | 1,580 |
| Pretax return on assets | 1.9360% | 585 |
| Return on Equity (ROE) | 8.5007% | 2,840 |
| Retained earnings to average equity (ytd only) | -6.9181% | 6,242 |
| Net charge-offs to loans | 0.3680% | 1,183 |
| Credit loss provision to net charge-offs | 0.1104% | 4,202 |
| Earnings coverage of net charge-offs (x) | 9.4613% | 2,744 |
| Efficiency ratio | 64.0614% | 4,576 |
| Assets per employee ($millions) | 5.0890% | 2,213 |
| Cash dividends to net income (ytd only)* | 181.3822% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7487% | 1,660 |
| Loan loss allowance to noncurrent loans | 93.6678% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.3589% | 2,054 |
| Noncurrent loans to loans | 1.8669% | 1,523 |
| Net loans and leases to total assets | 55.8629% | 4,356 |
| Net loans and leases to deposits | 64.9527% | 4,434 |
| Net loans and leases to core deposits | 66.8276% | 4,610 |
| Total domestic deposits to total assets | 86.0056% | 2,838 |
| Equity capital to assets | 13.0951% | 1,317 |
| Core capital (leverage) ratio | 12.8358% | 1,204 |
| Tier 1 risk-based capital ratio | 18.6270% | 1,951 |
| Total risk-based capital ratio | 19.8798% | 1,919 |
| Memoranda: | ||
| Average total assets | $2,667,445,200 | 289 |
| Average earning assets | $2,440,728,200 | 289 |
| Average equity | $382,651,000 | 243 |
| Average total loans | $1,476,530,600 | 337 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6900% | 81 |
| Cost of funding earning assets | 0.3141% | 4,738 |
| Net interest margin | 6.3760% | 69 |
| Noninterest income to average assets | -0.4290% | 6,572 |
| Noninterest expense to average assets | 3.4714% | 1,523 |
| Loan and lease loss provision to assets | -0.0561% | 6,204 |
| Net operating income to assets | 1.2394% | 1,554 |
| Return on assets (ROA) | 1.2401% | 1,610 |
| Pretax return on assets | 1.9517% | 638 |
| Return on Equity (ROE) | 8.4421% | 2,972 |
| Retained earnings to average equity (ytd only) | -0.2378% | 5,840 |
| Net charge-offs to loans | 0.5323% | 717 |
| Credit loss provision to net charge-offs | -19.1838% | 5,273 |
| Earnings coverage of net charge-offs (x) | 6.4780% | 3,079 |
| Efficiency ratio | 64.2426% | 4,498 |
| Assets per employee ($millions) | 4.8400% | 2,460 |
| Cash dividends to net income (ytd only)* | 102.8172% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 1,676 |
| Loan loss allowance to noncurrent loans | 104.2534% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.5596% | 1,963 |
| Noncurrent loans to loans | 1.7344% | 1,869 |
| Net loans and leases to total assets | 55.8566% | 4,349 |
| Net loans and leases to deposits | 66.1945% | 4,306 |
| Net loans and leases to core deposits | 68.7876% | 4,432 |
| Total domestic deposits to total assets | 84.3825% | 3,601 |
| Equity capital to assets | 14.3170% | 905 |
| Core capital (leverage) ratio | 14.0926% | 818 |
| Tier 1 risk-based capital ratio | 20.6508% | 1,516 |
| Total risk-based capital ratio | 21.9045% | 1,484 |
| Memoranda: | ||
| Average total assets | $2,614,211,500 | 288 |
| Average earning assets | $2,375,949,250 | 290 |
| Average equity | $384,016,750 | 240 |
| Average total loans | $1,436,237,500 | 337 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7576% | 78 |
| Cost of funding earning assets | 0.3185% | 4,777 |
| Net interest margin | 6.4390% | 67 |
| Noninterest income to average assets | -0.5323% | 6,651 |
| Noninterest expense to average assets | 3.4723% | 1,528 |
| Loan and lease loss provision to assets | 0.3309% | 565 |
| Net operating income to assets | 0.9535% | 2,540 |
| Return on assets (ROA) | 0.9546% | 2,621 |
| Pretax return on assets | 1.4755% | 1,619 |
| Return on Equity (ROE) | 6.4432% | 3,913 |
| Retained earnings to average equity (ytd only) | 6.4432% | 2,067 |
| Net charge-offs to loans | 0.3914% | 1,032 |
| Credit loss provision to net charge-offs | 155.7685% | 1,420 |
| Earnings coverage of net charge-offs (x) | 8.4948% | 2,482 |
| Efficiency ratio | 65.3315% | 4,465 |
| Assets per employee ($millions) | 4.7794% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4687% | 746 |
| Loan loss allowance to noncurrent loans | 199.6356% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 1.6156% | 2,026 |
| Noncurrent loans to loans | 1.2366% | 2,757 |
| Net loans and leases to total assets | 54.4045% | 4,490 |
| Net loans and leases to deposits | 64.8340% | 4,397 |
| Net loans and leases to core deposits | 67.6930% | 4,496 |
| Total domestic deposits to total assets | 83.9136% | 3,954 |
| Equity capital to assets | 15.1886% | 659 |
| Core capital (leverage) ratio | 14.6672% | 663 |
| Tier 1 risk-based capital ratio | 23.5703% | 1,037 |
| Total risk-based capital ratio | 24.8326% | 1,017 |
| Memoranda: | ||
| Average total assets | $2,603,130,670 | 286 |
| Average earning assets | $2,348,483,670 | 290 |
| Average equity | $385,677,000 | 234 |
| Average total loans | $1,412,980,670 | 335 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6003% | 52 |
| Cost of funding earning assets | 0.3247% | 4,797 |
| Net interest margin | 7.2756% | 41 |
| Noninterest income to average assets | -1.4644% | 6,729 |
| Noninterest expense to average assets | 3.4935% | 1,499 |
| Loan and lease loss provision to assets | 0.4919% | 306 |
| Net operating income to assets | 0.6934% | 3,720 |
| Return on assets (ROA) | 0.6945% | 3,794 |
| Pretax return on assets | 1.0523% | 3,124 |
| Return on Equity (ROE) | 4.7468% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.7468% | 3,269 |
| Net charge-offs to loans | 0.3539% | 1,009 |
| Credit loss provision to net charge-offs | 259.6605% | 882 |
| Earnings coverage of net charge-offs (x) | 8.1423% | 2,057 |
| Efficiency ratio | 68.8775% | 4,025 |
| Assets per employee ($millions) | 4.7539% | 2,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5475% | 770 |
| Loan loss allowance to noncurrent loans | 123.8190% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 2.5786% | 1,215 |
| Noncurrent loans to loans | 2.0574% | 1,803 |
| Net loans and leases to total assets | 52.6345% | 4,589 |
| Net loans and leases to deposits | 62.7603% | 4,460 |
| Net loans and leases to core deposits | 65.5409% | 4,544 |
| Total domestic deposits to total assets | 83.8660% | 4,321 |
| Equity capital to assets | 14.6807% | 738 |
| Core capital (leverage) ratio | 14.4419% | 707 |
| Tier 1 risk-based capital ratio | 23.5529% | 1,068 |
| Total risk-based capital ratio | 24.8160% | 1,047 |
| Memoranda: | ||
| Average total assets | $2,611,858,000 | 283 |
| Average earning assets | $2,333,546,000 | 288 |
| Average equity | $382,151,000 | 236 |
| Average total loans | $1,398,305,000 | 338 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8101% | 32 |
| Cost of funding earning assets | 0.3604% | 5,047 |
| Net interest margin | 8.4497% | 32 |
| Noninterest income to average assets | -3.9126% | 6,812 |
| Noninterest expense to average assets | 3.7122% | 1,270 |
| Loan and lease loss provision to assets | -1.2521% | 6,802 |
| Net operating income to assets | 0.4979% | 4,743 |
| Return on assets (ROA) | 0.5253% | 4,741 |
| Pretax return on assets | 0.7959% | 4,160 |
| Return on Equity (ROE) | 3.6495% | 5,260 |
| Retained earnings to average equity (ytd only) | -3.0063% | 6,263 |
| Net charge-offs to loans | 0.2356% | 2,567 |
| Credit loss provision to net charge-offs | -961.5951% | 6,219 |
| Earnings coverage of net charge-offs (x) | -3.8217% | 5,370 |
| Efficiency ratio | 114.0473% | 227 |
| Assets per employee ($millions) | 4.5770% | 2,761 |
| Cash dividends to net income (ytd only)* | 182.3753% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4651% | 860 |
| Loan loss allowance to noncurrent loans | 80.5224% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 3.4363% | 867 |
| Noncurrent loans to loans | 3.0614% | 1,130 |
| Net loans and leases to total assets | 51.7524% | 4,886 |
| Net loans and leases to deposits | 61.6930% | 4,753 |
| Net loans and leases to core deposits | 64.5531% | 4,818 |
| Total domestic deposits to total assets | 83.8870% | 4,206 |
| Equity capital to assets | 14.5817% | 767 |
| Core capital (leverage) ratio | 14.2834% | 748 |
| Tier 1 risk-based capital ratio | 24.0552% | 945 |
| Total risk-based capital ratio | 25.3176% | 938 |
| Memoranda: | ||
| Average total assets | $2,609,639,800 | 285 |
| Average earning assets | $2,201,169,800 | 297 |
| Average equity | $375,614,000 | 233 |
| Average total loans | $1,442,196,000 | 319 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8196% | 51 |
| Cost of funding earning assets | 0.3661% | 5,135 |
| Net interest margin | 7.4535% | 42 |
| Noninterest income to average assets | -4.0286% | 6,891 |
| Noninterest expense to average assets | 3.8063% | 1,074 |
| Loan and lease loss provision to assets | -1.8784% | 6,886 |
| Net operating income to assets | 0.1691% | 5,989 |
| Return on assets (ROA) | 0.2061% | 5,980 |
| Pretax return on assets | 0.3076% | 5,860 |
| Return on Equity (ROE) | 1.4366% | 6,089 |
| Retained earnings to average equity (ytd only) | -7.4621% | 6,583 |
| Net charge-offs to loans | 0.4438% | 1,445 |
| Credit loss provision to net charge-offs | -758.2973% | 6,139 |
| Earnings coverage of net charge-offs (x) | -6.5640% | 5,147 |
| Efficiency ratio | 172.1466% | 43 |
| Assets per employee ($millions) | 4.4570% | 2,943 |
| Cash dividends to net income (ytd only)* | 619.4250% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9578% | 1,834 |
| Loan loss allowance to noncurrent loans | 46.3892% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 4.5058% | 673 |
| Noncurrent loans to loans | 4.2204% | 814 |
| Net loans and leases to total assets | 56.3808% | 4,269 |
| Net loans and leases to deposits | 67.7319% | 4,097 |
| Net loans and leases to core deposits | 71.0894% | 4,201 |
| Total domestic deposits to total assets | 83.2411% | 4,486 |
| Equity capital to assets | 14.6275% | 791 |
| Core capital (leverage) ratio | 13.9029% | 891 |
| Tier 1 risk-based capital ratio | 22.4665% | 1,230 |
| Total risk-based capital ratio | 23.7235% | 1,211 |
| Memoranda: | ||
| Average total assets | $2,610,968,250 | 286 |
| Average earning assets | $2,174,975,250 | 303 |
| Average equity | $374,578,500 | 233 |
| Average total loans | $1,457,278,500 | 316 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4735% | 55 |
| Cost of funding earning assets | 0.3674% | 5,251 |
| Net interest margin | 7.1060% | 49 |
| Noninterest income to average assets | -4.2566% | 6,940 |
| Noninterest expense to average assets | 3.8995% | 981 |
| Loan and lease loss provision to assets | -2.2091% | 6,936 |
| Net operating income to assets | -0.0632% | 6,370 |
| Return on assets (ROA) | -0.0447% | 6,400 |
| Pretax return on assets | -0.0667% | 6,411 |
| Return on Equity (ROE) | -0.3133% | 6,398 |
| Retained earnings to average equity (ytd only) | -13.6111% | 6,738 |
| Net charge-offs to loans | 1.0387% | 580 |
| Credit loss provision to net charge-offs | -384.7840% | 5,864 |
| Earnings coverage of net charge-offs (x) | -4.0120% | 4,818 |
| Efficiency ratio | 240.7953% | 22 |
| Assets per employee ($millions) | 4.4421% | 2,908 |
| Cash dividends to net income (ytd only)* | -4,244.4822% | 6,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2939% | 1,270 |
| Loan loss allowance to noncurrent loans | 36.4875% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 5.5637% | 518 |
| Noncurrent loans to loans | 6.2868% | 420 |
| Net loans and leases to total assets | 54.6158% | 4,505 |
| Net loans and leases to deposits | 65.1948% | 4,360 |
| Net loans and leases to core deposits | 68.3868% | 4,458 |
| Total domestic deposits to total assets | 83.7733% | 4,426 |
| Equity capital to assets | 14.0640% | 950 |
| Core capital (leverage) ratio | 13.3059% | 1,054 |
| Tier 1 risk-based capital ratio | 22.1122% | 1,264 |
| Total risk-based capital ratio | 23.3731% | 1,241 |
| Memoranda: | ||
| Average total assets | $2,637,437,330 | 282 |
| Average earning assets | $2,172,297,670 | 305 |
| Average equity | $376,003,000 | 235 |
| Average total loans | $1,457,766,000 | 316 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9569% | 65 |
| Cost of funding earning assets | 0.3705% | 5,364 |
| Net interest margin | 6.5864% | 54 |
| Noninterest income to average assets | -2.0261% | 7,015 |
| Noninterest expense to average assets | 6.9489% | 153 |
| Loan and lease loss provision to assets | -3.3502% | 7,017 |
| Net operating income to assets | -0.1785% | 6,503 |
| Return on assets (ROA) | -0.1428% | 6,525 |
| Pretax return on assets | -0.2188% | 6,557 |
| Return on Equity (ROE) | -0.9952% | 6,503 |
| Retained earnings to average equity (ytd only) | -27.2665% | 6,888 |
| Net charge-offs to loans | 1.1236% | 533 |
| Credit loss provision to net charge-offs | -542.4908% | 5,500 |
| Earnings coverage of net charge-offs (x) | -5.8681% | 4,081 |
| Efficiency ratio | 207.3113% | 33 |
| Assets per employee ($millions) | 4.4108% | 3,136 |
| Cash dividends to net income (ytd only)* | -2,639.9155% | 7,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0212% | 649 |
| Loan loss allowance to noncurrent loans | 37.3997% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 6.2400% | 502 |
| Noncurrent loans to loans | 8.0782% | 319 |
| Net loans and leases to total assets | 53.2477% | 4,523 |
| Net loans and leases to deposits | 63.7303% | 4,348 |
| Net loans and leases to core deposits | 66.7993% | 4,433 |
| Total domestic deposits to total assets | 83.5516% | 4,647 |
| Equity capital to assets | 13.8861% | 1,064 |
| Core capital (leverage) ratio | 13.2252% | 1,038 |
| Tier 1 risk-based capital ratio | 24.0190% | 1,010 |
| Total risk-based capital ratio | 25.2910% | 990 |
| Memoranda: | ||
| Average total assets | $2,652,392,000 | 284 |
| Average earning assets | $2,154,910,000 | 313 |
| Average equity | $380,642,500 | 237 |
| Average total loans | $1,457,870,000 | 317 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2997% | 45 |
| Cost of funding earning assets | 0.4784% | 5,365 |
| Net interest margin | 7.8213% | 40 |
| Noninterest income to average assets | 0.7686% | 2,398 |
| Noninterest expense to average assets | 3.2984% | 2,341 |
| Loan and lease loss provision to assets | 2.0767% | 86 |
| Net operating income to assets | 0.8665% | 2,975 |
| Return on assets (ROA) | 0.8742% | 3,179 |
| Pretax return on assets | 1.3514% | 2,204 |
| Return on Equity (ROE) | 5.9672% | 4,187 |
| Retained earnings to average equity (ytd only) | 0.4919% | 5,602 |
| Net charge-offs to loans | 3.6205% | 96 |
| Credit loss provision to net charge-offs | 101.1887% | 2,993 |
| Earnings coverage of net charge-offs (x) | 1.6646% | 4,606 |
| Efficiency ratio | 48.5506% | 6,678 |
| Assets per employee ($millions) | 4.4827% | 2,993 |
| Cash dividends to net income (ytd only)* | 91.7559% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7874% | 150 |
| Loan loss allowance to noncurrent loans | 43.7128% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 7.7601% | 376 |
| Noncurrent loans to loans | 10.9518% | 190 |
| Net loans and leases to total assets | 52.3876% | 4,872 |
| Net loans and leases to deposits | 63.8855% | 4,547 |
| Net loans and leases to core deposits | 66.9934% | 4,645 |
| Total domestic deposits to total assets | 82.0024% | 5,096 |
| Equity capital to assets | 14.8122% | 786 |
| Core capital (leverage) ratio | 14.1362% | 764 |
| Tier 1 risk-based capital ratio | 26.6799% | 716 |
| Total risk-based capital ratio | 27.9765% | 704 |
| Memoranda: | ||
| Average total assets | $2,680,716,200 | 271 |
| Average earning assets | $2,037,981,200 | 314 |
| Average equity | $392,729,400 | 231 |
| Average total loans | $1,519,587,400 | 306 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1654% | 46 |
| Cost of funding earning assets | 0.5051% | 5,404 |
| Net interest margin | 7.6603% | 40 |
| Noninterest income to average assets | 1.8929% | 453 |
| Noninterest expense to average assets | 4.1202% | 802 |
| Loan and lease loss provision to assets | 1.9886% | 123 |
| Net operating income to assets | 0.9891% | 2,564 |
| Return on assets (ROA) | 0.9921% | 2,775 |
| Pretax return on assets | 1.5511% | 1,719 |
| Return on Equity (ROE) | 6.7904% | 3,915 |
| Retained earnings to average equity (ytd only) | -0.5176% | 6,181 |
| Net charge-offs to loans | 4.2430% | 72 |
| Credit loss provision to net charge-offs | 82.0811% | 3,552 |
| Earnings coverage of net charge-offs (x) | 1.4591% | 4,558 |
| Efficiency ratio | 53.3167% | 6,319 |
| Assets per employee ($millions) | 4.7718% | 2,503 |
| Cash dividends to net income (ytd only)* | 107.6226% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0698% | 288 |
| Loan loss allowance to noncurrent loans | 33.1938% | 5,974 |
| Noncurrent assets plus other real estate owned to assets | 9.1344% | 298 |
| Noncurrent loans to loans | 12.2608% | 160 |
| Net loans and leases to total assets | 54.1583% | 4,728 |
| Net loans and leases to deposits | 66.2735% | 4,435 |
| Net loans and leases to core deposits | 69.6445% | 4,541 |
| Total domestic deposits to total assets | 81.7194% | 5,119 |
| Equity capital to assets | 14.8100% | 870 |
| Core capital (leverage) ratio | 14.0668% | 812 |
| Tier 1 risk-based capital ratio | 27.2794% | 718 |
| Total risk-based capital ratio | 28.5685% | 696 |
| Memoranda: | ||
| Average total assets | $2,685,218,250 | 271 |
| Average earning assets | $2,019,913,500 | 319 |
| Average equity | $392,310,500 | 233 |
| Average total loans | $1,533,217,250 | 302 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7156% | 39 |
| Cost of funding earning assets | 0.5411% | 5,367 |
| Net interest margin | 8.1745% | 33 |
| Noninterest income to average assets | 0.8963% | 1,801 |
| Noninterest expense to average assets | 4.1357% | 795 |
| Loan and lease loss provision to assets | 0.8741% | 548 |
| Net operating income to assets | 1.2178% | 1,653 |
| Return on assets (ROA) | 1.2178% | 1,844 |
| Pretax return on assets | 1.9515% | 755 |
| Return on Equity (ROE) | 8.3729% | 3,078 |
| Retained earnings to average equity (ytd only) | 8.3729% | 1,491 |
| Net charge-offs to loans | 0.0799% | 4,348 |
| Credit loss provision to net charge-offs | 1,908.8997% | 161 |
| Earnings coverage of net charge-offs (x) | 61.7055% | 619 |
| Efficiency ratio | 58.8545% | 5,749 |
| Assets per employee ($millions) | 4.6072% | 2,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1362% | 147 |
| Loan loss allowance to noncurrent loans | 39.2595% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 9.9833% | 265 |
| Noncurrent loans to loans | 13.0827% | 139 |
| Net loans and leases to total assets | 55.7531% | 4,503 |
| Net loans and leases to deposits | 68.3207% | 4,146 |
| Net loans and leases to core deposits | 71.1078% | 4,402 |
| Total domestic deposits to total assets | 81.6050% | 5,265 |
| Equity capital to assets | 15.1192% | 758 |
| Core capital (leverage) ratio | 14.6401% | 666 |
| Tier 1 risk-based capital ratio | 30.2208% | 508 |
| Total risk-based capital ratio | 31.5319% | 502 |
| Memoranda: | ||
| Average total assets | $2,699,093,670 | 269 |
| Average earning assets | $2,002,590,330 | 317 |
| Average equity | $392,575,670 | 231 |
| Average total loans | $1,546,801,000 | 299 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7116% | 57 |
| Cost of funding earning assets | 0.5736% | 5,328 |
| Net interest margin | 7.1380% | 52 |
| Noninterest income to average assets | 0.3639% | 4,963 |
| Noninterest expense to average assets | 5.0642% | 350 |
| Loan and lease loss provision to assets | -0.7137% | 7,277 |
| Net operating income to assets | 0.7770% | 3,494 |
| Return on assets (ROA) | 0.7770% | 3,733 |
| Pretax return on assets | 1.2452% | 2,745 |
| Return on Equity (ROE) | 5.4480% | 4,570 |
| Retained earnings to average equity (ytd only) | 5.4480% | 3,290 |
| Net charge-offs to loans | -0.8141% | 7,197 |
| Credit loss provision to net charge-offs | 154.9296% | 1,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8566% | 1,108 |
| Assets per employee ($millions) | 4.6499% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3707% | 272 |
| Loan loss allowance to noncurrent loans | 24.4552% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 12.7558% | 175 |
| Noncurrent loans to loans | 17.8722% | 70 |
| Net loans and leases to total assets | 55.3610% | 4,493 |
| Net loans and leases to deposits | 67.2631% | 4,184 |
| Net loans and leases to core deposits | 68.5346% | 4,623 |
| Total domestic deposits to total assets | 82.3052% | 5,197 |
| Equity capital to assets | 14.6528% | 821 |
| Core capital (leverage) ratio | 14.4533% | 700 |
| Tier 1 risk-based capital ratio | 31.5917% | 453 |
| Total risk-based capital ratio | 32.8954% | 445 |
| Memoranda: | ||
| Average total assets | $2,712,557,000 | 268 |
| Average earning assets | $1,988,132,500 | 313 |
| Average equity | $386,858,500 | 230 |
| Average total loans | $1,534,962,000 | 298 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2288% | 47 |
| Cost of funding earning assets | 1.0729% | 2,855 |
| Net interest margin | 7.1560% | 45 |
| Noninterest income to average assets | 3.4894% | 176 |
| Noninterest expense to average assets | 3.2237% | 2,784 |
| Loan and lease loss provision to assets | 3.1042% | 118 |
| Net operating income to assets | 1.5909% | 676 |
| Return on assets (ROA) | 1.5896% | 742 |
| Pretax return on assets | 2.4593% | 218 |
| Return on Equity (ROE) | 11.6677% | 1,510 |
| Retained earnings to average equity (ytd only) | 7.6499% | 1,207 |
| Net charge-offs to loans | 1.5187% | 1,057 |
| Credit loss provision to net charge-offs | 406.4214% | 567 |
| Earnings coverage of net charge-offs (x) | 7.2867% | 2,361 |
| Efficiency ratio | 36.2846% | 7,251 |
| Assets per employee ($millions) | 4.6165% | 2,733 |
| Cash dividends to net income (ytd only)* | 34.4353% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5731% | 246 |
| Loan loss allowance to noncurrent loans | 27.9332% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 12.1763% | 201 |
| Noncurrent loans to loans | 16.3715% | 103 |
| Net loans and leases to total assets | 52.7861% | 5,190 |
| Net loans and leases to deposits | 62.6513% | 5,159 |
| Net loans and leases to core deposits | 64.0871% | 5,455 |
| Total domestic deposits to total assets | 84.2539% | 4,215 |
| Equity capital to assets | 13.8805% | 1,114 |
| Core capital (leverage) ratio | 13.2252% | 1,064 |
| Tier 1 risk-based capital ratio | 32.4746% | 409 |
| Total risk-based capital ratio | 33.7832% | 397 |
| Memoranda: | ||
| Average total assets | $2,740,330,000 | 267 |
| Average earning assets | $2,029,448,600 | 304 |
| Average equity | $373,337,600 | 231 |
| Average total loans | $1,378,184,600 | 322 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9734% | 53 |
| Cost of funding earning assets | 1.1886% | 2,395 |
| Net interest margin | 6.7849% | 56 |
| Noninterest income to average assets | 1.1075% | 1,088 |
| Noninterest expense to average assets | 3.2127% | 2,792 |
| Loan and lease loss provision to assets | 0.3349% | 2,870 |
| Net operating income to assets | 1.6664% | 683 |
| Return on assets (ROA) | 1.6654% | 746 |
| Pretax return on assets | 2.6103% | 203 |
| Return on Equity (ROE) | 12.2819% | 1,471 |
| Retained earnings to average equity (ytd only) | 12.2819% | 469 |
| Net charge-offs to loans | 0.1733% | 4,415 |
| Credit loss provision to net charge-offs | 394.2693% | 719 |
| Earnings coverage of net charge-offs (x) | 34.6882% | 842 |
| Efficiency ratio | 51.5997% | 6,716 |
| Assets per employee ($millions) | 5.0007% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7373% | 6,916 |
| Loan loss allowance to noncurrent loans | 4.3890% | 6,944 |
| Noncurrent assets plus other real estate owned to assets | 12.5071% | 209 |
| Noncurrent loans to loans | 16.7988% | 94 |
| Net loans and leases to total assets | 52.7627% | 5,354 |
| Net loans and leases to deposits | 62.9089% | 5,302 |
| Net loans and leases to core deposits | 64.3603% | 5,578 |
| Total domestic deposits to total assets | 83.8715% | 4,292 |
| Equity capital to assets | 14.5014% | 992 |
| Core capital (leverage) ratio | 14.1267% | 875 |
| Tier 1 risk-based capital ratio | 33.5174% | 404 |
| Total risk-based capital ratio | 34.4379% | 406 |
| Memoranda: | ||
| Average total assets | $2,738,713,250 | 264 |
| Average earning assets | $2,039,273,000 | 307 |
| Average equity | $371,355,000 | 232 |
| Average total loans | $1,342,877,750 | 326 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1231% | 92 |
| Cost of funding earning assets | 1.3453% | 1,675 |
| Net interest margin | 5.7778% | 115 |
| Noninterest income to average assets | 1.1950% | 903 |
| Noninterest expense to average assets | 3.2493% | 2,725 |
| Loan and lease loss provision to assets | 0.2178% | 3,743 |
| Net operating income to assets | 1.2314% | 1,487 |
| Return on assets (ROA) | 1.2313% | 1,559 |
| Pretax return on assets | 1.9529% | 641 |
| Return on Equity (ROE) | 9.2893% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.2893% | 1,015 |
| Net charge-offs to loans | 0.2189% | 3,813 |
| Credit loss provision to net charge-offs | 208.5357% | 1,440 |
| Earnings coverage of net charge-offs (x) | 20.7883% | 1,178 |
| Efficiency ratio | 59.3189% | 5,977 |
| Assets per employee ($millions) | 5.3725% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5073% | 7,219 |
| Loan loss allowance to noncurrent loans | 2.4576% | 6,998 |
| Noncurrent assets plus other real estate owned to assets | 13.8840% | 178 |
| Noncurrent loans to loans | 20.6401% | 53 |
| Net loans and leases to total assets | 48.9186% | 5,960 |
| Net loans and leases to deposits | 57.4499% | 6,003 |
| Net loans and leases to core deposits | 58.6862% | 6,217 |
| Total domestic deposits to total assets | 85.1500% | 3,811 |
| Equity capital to assets | 13.4688% | 1,311 |
| Core capital (leverage) ratio | 13.4420% | 1,012 |
| Tier 1 risk-based capital ratio | 34.6776% | 359 |
| Total risk-based capital ratio | 35.3356% | 372 |
| Memoranda: | ||
| Average total assets | $2,759,832,330 | 262 |
| Average earning assets | $2,018,201,330 | 314 |
| Average equity | $365,819,000 | 235 |
| Average total loans | $1,316,478,670 | 338 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9605% | 116 |
| Cost of funding earning assets | 1.4238% | 1,498 |
| Net interest margin | 5.5367% | 154 |
| Noninterest income to average assets | 1.0635% | 1,164 |
| Noninterest expense to average assets | 3.0044% | 3,632 |
| Loan and lease loss provision to assets | 0.1395% | 4,265 |
| Net operating income to assets | 1.2147% | 1,487 |
| Return on assets (ROA) | 1.2144% | 1,543 |
| Pretax return on assets | 1.9400% | 621 |
| Return on Equity (ROE) | 9.2366% | 2,372 |
| Retained earnings to average equity (ytd only) | 9.2366% | 1,308 |
| Net charge-offs to loans | 0.0297% | 4,681 |
| Credit loss provision to net charge-offs | 1,000.0000% | 373 |
| Earnings coverage of net charge-offs (x) | 149.1458% | 209 |
| Efficiency ratio | 58.4555% | 6,209 |
| Assets per employee ($millions) | 5.2357% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4762% | 7,299 |
| Loan loss allowance to noncurrent loans | 1.6542% | 7,063 |
| Noncurrent assets plus other real estate owned to assets | 18.8323% | 78 |
| Noncurrent loans to loans | 28.7850% | 16 |
| Net loans and leases to total assets | 48.2632% | 6,050 |
| Net loans and leases to deposits | 57.2207% | 6,000 |
| Net loans and leases to core deposits | 58.4920% | 6,213 |
| Total domestic deposits to total assets | 84.3456% | 4,347 |
| Equity capital to assets | 13.6066% | 1,145 |
| Core capital (leverage) ratio | 13.1082% | 1,093 |
| Tier 1 risk-based capital ratio | 39.1148% | 251 |
| Total risk-based capital ratio | 39.7983% | 255 |
| Memoranda: | ||
| Average total assets | $2,753,652,000 | 264 |
| Average earning assets | $1,999,735,000 | 315 |
| Average equity | $362,037,500 | 230 |
| Average total loans | $1,293,202,500 | 346 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2089% | 42 |
| Cost of funding earning assets | 2.0383% | 522 |
| Net interest margin | 7.1706% | 53 |
| Noninterest income to average assets | 0.8795% | 1,925 |
| Noninterest expense to average assets | 2.9280% | 4,119 |
| Loan and lease loss provision to assets | 0.1498% | 5,699 |
| Net operating income to assets | 1.7293% | 487 |
| Return on assets (ROA) | 1.7333% | 527 |
| Pretax return on assets | 2.7727% | 141 |
| Return on Equity (ROE) | 13.6563% | 952 |
| Retained earnings to average equity (ytd only) | 13.4419% | 188 |
| Net charge-offs to loans | 0.0957% | 5,891 |
| Credit loss provision to net charge-offs | 350.5319% | 733 |
| Earnings coverage of net charge-offs (x) | 68.2199% | 355 |
| Efficiency ratio | 49.5007% | 7,167 |
| Assets per employee ($millions) | 5.4366% | 1,641 |
| Cash dividends to net income (ytd only)* | 1.5699% | 3,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4175% | 7,414 |
| Loan loss allowance to noncurrent loans | 1.4663% | 7,142 |
| Noncurrent assets plus other real estate owned to assets | 18.4974% | 83 |
| Noncurrent loans to loans | 28.4745% | 19 |
| Net loans and leases to total assets | 45.3103% | 6,612 |
| Net loans and leases to deposits | 52.6584% | 6,696 |
| Net loans and leases to core deposits | 53.8670% | 6,819 |
| Total domestic deposits to total assets | 86.0456% | 3,337 |
| Equity capital to assets | 12.7089% | 1,524 |
| Core capital (leverage) ratio | 12.7129% | 1,236 |
| Tier 1 risk-based capital ratio | 43.3779% | 187 |
| Total risk-based capital ratio | 44.0466% | 190 |
| Memoranda: | ||
| Average total assets | $2,638,665,600 | 270 |
| Average earning assets | $1,826,954,600 | 338 |
| Average equity | $334,908,200 | 239 |
| Average total loans | $1,178,737,000 | 385 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1273% | 44 |
| Cost of funding earning assets | 2.1519% | 448 |
| Net interest margin | 6.9754% | 53 |
| Noninterest income to average assets | 0.8364% | 2,047 |
| Noninterest expense to average assets | 2.8823% | 4,159 |
| Loan and lease loss provision to assets | 0.0949% | 6,072 |
| Net operating income to assets | 1.6619% | 667 |
| Return on assets (ROA) | 1.6675% | 714 |
| Pretax return on assets | 2.6421% | 186 |
| Return on Equity (ROE) | 13.1426% | 1,220 |
| Retained earnings to average equity (ytd only) | 12.8518% | 362 |
| Net charge-offs to loans | 0.1183% | 5,368 |
| Credit loss provision to net charge-offs | 180.5474% | 2,030 |
| Earnings coverage of net charge-offs (x) | 51.8933% | 553 |
| Efficiency ratio | 50.9165% | 7,075 |
| Assets per employee ($millions) | 5.8969% | 1,302 |
| Cash dividends to net income (ytd only)* | 2.2129% | 3,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2835% | 7,600 |
| Loan loss allowance to noncurrent loans | 0.8814% | 7,251 |
| Noncurrent assets plus other real estate owned to assets | 19.6765% | 67 |
| Noncurrent loans to loans | 32.1676% | 12 |
| Net loans and leases to total assets | 43.4090% | 6,881 |
| Net loans and leases to deposits | 50.3260% | 6,993 |
| Net loans and leases to core deposits | 51.8939% | 7,052 |
| Total domestic deposits to total assets | 86.2556% | 2,946 |
| Equity capital to assets | 12.7574% | 1,710 |
| Core capital (leverage) ratio | 12.3208% | 1,491 |
| Tier 1 risk-based capital ratio | 47.7483% | 163 |
| Total risk-based capital ratio | 48.2274% | 164 |
| Memoranda: | ||
| Average total assets | $2,594,292,750 | 275 |
| Average earning assets | $1,775,605,000 | 346 |
| Average equity | $329,159,750 | 239 |
| Average total loans | $1,153,081,750 | 393 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3163% | 43 |
| Cost of funding earning assets | 2.1625% | 521 |
| Net interest margin | 7.1539% | 54 |
| Noninterest income to average assets | 0.7621% | 2,317 |
| Noninterest expense to average assets | 2.8684% | 4,195 |
| Loan and lease loss provision to assets | 0.0933% | 5,982 |
| Net operating income to assets | 1.6643% | 628 |
| Return on assets (ROA) | 1.6669% | 672 |
| Pretax return on assets | 2.6627% | 183 |
| Return on Equity (ROE) | 13.1630% | 1,199 |
| Retained earnings to average equity (ytd only) | 13.1630% | 363 |
| Net charge-offs to loans | 0.0122% | 6,174 |
| Credit loss provision to net charge-offs | 1,702.8571% | 235 |
| Earnings coverage of net charge-offs (x) | 502.2143% | 65 |
| Efficiency ratio | 50.5815% | 7,189 |
| Assets per employee ($millions) | 6.4450% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3214% | 7,654 |
| Loan loss allowance to noncurrent loans | 0.9987% | 7,327 |
| Noncurrent assets plus other real estate owned to assets | 20.4662% | 53 |
| Noncurrent loans to loans | 32.1814% | 12 |
| Net loans and leases to total assets | 43.5363% | 6,960 |
| Net loans and leases to deposits | 50.5698% | 7,043 |
| Net loans and leases to core deposits | 52.4816% | 7,114 |
| Total domestic deposits to total assets | 86.0915% | 3,033 |
| Equity capital to assets | 12.8980% | 1,608 |
| Core capital (leverage) ratio | 12.6306% | 1,356 |
| Tier 1 risk-based capital ratio | 57.3505% | 120 |
| Total risk-based capital ratio | 57.9991% | 122 |
| Memoranda: | ||
| Average total assets | $2,554,872,000 | 278 |
| Average earning assets | $1,735,059,000 | 356 |
| Average equity | $323,529,000 | 239 |
| Average total loans | $1,143,828,330 | 400 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7223% | 46 |
| Cost of funding earning assets | 2.0564% | 926 |
| Net interest margin | 7.6659% | 49 |
| Noninterest income to average assets | 0.8300% | 1,885 |
| Noninterest expense to average assets | 2.9243% | 3,968 |
| Loan and lease loss provision to assets | 0.0785% | 5,854 |
| Net operating income to assets | 1.8494% | 447 |
| Return on assets (ROA) | 1.8501% | 491 |
| Pretax return on assets | 2.9366% | 146 |
| Return on Equity (ROE) | 14.7506% | 914 |
| Retained earnings to average equity (ytd only) | 14.7506% | 432 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8063% | 7,389 |
| Assets per employee ($millions) | 6.5550% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2709% | 7,770 |
| Loan loss allowance to noncurrent loans | 0.8793% | 7,404 |
| Noncurrent assets plus other real estate owned to assets | 20.0968% | 54 |
| Noncurrent loans to loans | 30.8071% | 19 |
| Net loans and leases to total assets | 43.2816% | 7,046 |
| Net loans and leases to deposits | 50.2808% | 7,115 |
| Net loans and leases to core deposits | 52.2944% | 7,185 |
| Total domestic deposits to total assets | 86.0797% | 3,109 |
| Equity capital to assets | 12.6410% | 1,684 |
| Core capital (leverage) ratio | 12.6152% | 1,363 |
| Tier 1 risk-based capital ratio | 61.1119% | 105 |
| Total risk-based capital ratio | 61.7040% | 106 |
| Memoranda: | ||
| Average total assets | $2,533,646,000 | 289 |
| Average earning assets | $1,688,361,000 | 385 |
| Average equity | $317,791,500 | 242 |
| Average total loans | $1,148,529,500 | 417 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4001% | 35 |
| Cost of funding earning assets | 2.4888% | 1,048 |
| Net interest margin | 7.9113% | 35 |
| Noninterest income to average assets | 0.6334% | 3,404 |
| Noninterest expense to average assets | 2.5970% | 5,809 |
| Loan and lease loss provision to assets | 0.3032% | 5,008 |
| Net operating income to assets | 2.0318% | 217 |
| Return on assets (ROA) | 2.0318% | 231 |
| Pretax return on assets | 3.1975% | 81 |
| Return on Equity (ROE) | 14.5899% | 706 |
| Retained earnings to average equity (ytd only) | 14.5899% | 103 |
| Net charge-offs to loans | 0.1051% | 6,091 |
| Credit loss provision to net charge-offs | 598.8864% | 500 |
| Earnings coverage of net charge-offs (x) | 69.1537% | 393 |
| Efficiency ratio | 42.2021% | 7,819 |
| Assets per employee ($millions) | 5.6896% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2136% | 7,877 |
| Loan loss allowance to noncurrent loans | 0.7597% | 7,439 |
| Noncurrent assets plus other real estate owned to assets | 18.9799% | 67 |
| Noncurrent loans to loans | 28.1123% | 25 |
| Net loans and leases to total assets | 47.2175% | 6,879 |
| Net loans and leases to deposits | 54.7576% | 7,000 |
| Net loans and leases to core deposits | 73.2342% | 6,578 |
| Total domestic deposits to total assets | 86.2301% | 2,898 |
| Equity capital to assets | 12.4419% | 1,777 |
| Core capital (leverage) ratio | 14.4086% | 900 |
| Tier 1 risk-based capital ratio | 30.2182% | 512 |
| Total risk-based capital ratio | 30.4732% | 554 |
| Memoranda: | ||
| Average total assets | $886,978,800 | 761 |
| Average earning assets | $612,631,600 | 1,019 |
| Average equity | $123,524,200 | 536 |
| Average total loans | $427,289,200 | 1,120 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.6453% | 9 |
| Cost of funding earning assets | 2.5514% | 1,150 |
| Net interest margin | 14.0939% | 10 |
| Noninterest income to average assets | 0.7009% | 3,010 |
| Noninterest expense to average assets | 2.5598% | 5,857 |
| Loan and lease loss provision to assets | 5.0585% | 164 |
| Net operating income to assets | 2.1606% | 200 |
| Return on assets (ROA) | 2.1606% | 219 |
| Pretax return on assets | 3.3725% | 77 |
| Return on Equity (ROE) | 13.6399% | 995 |
| Retained earnings to average equity (ytd only) | 13.6399% | 216 |
| Net charge-offs to loans | 0.2509% | 4,482 |
| Credit loss provision to net charge-offs | 4,092.2049% | 100 |
| Earnings coverage of net charge-offs (x) | 68.2051% | 491 |
| Efficiency ratio | 23.0950% | 8,045 |
| Assets per employee ($millions) | 5.5204% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0625% | 1,664 |
| Loan loss allowance to noncurrent loans | 8.9855% | 7,472 |
| Noncurrent assets plus other real estate owned to assets | 14.3643% | 135 |
| Noncurrent loans to loans | 22.9542% | 43 |
| Net loans and leases to total assets | 47.1759% | 7,019 |
| Net loans and leases to deposits | 61.6686% | 6,707 |
| Net loans and leases to core deposits | 87.6590% | 5,676 |
| Total domestic deposits to total assets | 76.4991% | 6,477 |
| Equity capital to assets | 15.7947% | 823 |
| Core capital (leverage) ratio | 14.6117% | 933 |
| Tier 1 risk-based capital ratio | 43.6658% | 227 |
| Total risk-based capital ratio | 44.9348% | 221 |
| Memoranda: | ||
| Average total assets | $484,292,250 | 1,443 |
| Average earning assets | $353,580,250 | 1,780 |
| Average equity | $76,714,250 | 854 |
| Average total loans | $238,639,500 | 1,991 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1391% | 1,652 |
| Cost of funding earning assets | 2.6798% | 1,077 |
| Net interest margin | 3.4593% | 4,968 |
| Noninterest income to average assets | 0.5920% | 3,759 |
| Noninterest expense to average assets | 3.5579% | 2,166 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1207% | 5,500 |
| Return on assets (ROA) | 0.1207% | 5,605 |
| Pretax return on assets | 0.1207% | 5,626 |
| Return on Equity (ROE) | 0.7252% | 5,718 |
| Retained earnings to average equity (ytd only) | 0.7252% | 4,902 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7188% | 1,329 |
| Assets per employee ($millions) | 3.1629% | 5,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 5,408 |
| Loan loss allowance to noncurrent loans | 154.3478% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 5,565 |
| Noncurrent loans to loans | 0.7298% | 5,783 |
| Net loans and leases to total assets | 71.6458% | 3,308 |
| Net loans and leases to deposits | 92.1005% | 2,455 |
| Net loans and leases to core deposits | 143.0613% | 885 |
| Total domestic deposits to total assets | 77.7909% | 6,134 |
| Equity capital to assets | 16.6475% | 723 |
| Core capital (leverage) ratio | 18.0819% | 505 |
| Tier 1 risk-based capital ratio | 20.5417% | 1,475 |
| Total risk-based capital ratio | 21.5579% | 1,474 |
| Memoranda: | ||
| Average total assets | $34,795,330 | 7,413 |
| Average earning assets | $31,046,670 | 7,437 |
| Average equity | $5,791,670 | 6,800 |
| Average total loans | $23,905,670 | 7,093 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1577% | 1,732 |
| Cost of funding earning assets | 2.7182% | 1,219 |
| Net interest margin | 3.4396% | 4,974 |
| Noninterest income to average assets | 0.4713% | 4,579 |
| Noninterest expense to average assets | 3.5750% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0345% | 6,308 |
| Return on assets (ROA) | -0.0345% | 6,439 |
| Pretax return on assets | -0.0345% | 6,417 |
| Return on Equity (ROE) | -0.2072% | 6,431 |
| Retained earnings to average equity (ytd only) | -0.2072% | 5,691 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.9740% | 1,091 |
| Assets per employee ($millions) | 3.2537% | 5,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 4,899 |
| Loan loss allowance to noncurrent loans | 153.5135% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 5,356 |
| Noncurrent loans to loans | 0.7719% | 5,501 |
| Net loans and leases to total assets | 66.1703% | 4,551 |
| Net loans and leases to deposits | 84.2811% | 3,932 |
| Net loans and leases to core deposits | 124.6802% | 2,020 |
| Total domestic deposits to total assets | 78.5114% | 5,861 |
| Equity capital to assets | 16.1353% | 850 |
| Core capital (leverage) ratio | 18.2090% | 530 |
| Tier 1 risk-based capital ratio | 21.1425% | 1,430 |
| Total risk-based capital ratio | 22.1926% | 1,430 |
| Memoranda: | ||
| Average total assets | $34,797,000 | 7,453 |
| Average earning assets | $31,050,500 | 7,473 |
| Average equity | $5,791,500 | 6,841 |
| Average total loans | $23,253,000 | 7,171 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0548% | 1,001 |
| Cost of funding earning assets | 3.0288% | 1,761 |
| Net interest margin | 4.0261% | 2,997 |
| Noninterest income to average assets | 0.5760% | 4,038 |
| Noninterest expense to average assets | 4.8684% | 678 |
| Loan and lease loss provision to assets | 0.4970% | 2,827 |
| Net operating income to assets | -1.1883% | 7,340 |
| Return on assets (ROA) | -1.1883% | 7,278 |
| Pretax return on assets | -1.1883% | 7,111 |
| Return on Equity (ROE) | -6.0824% | 6,966 |
| Retained earnings to average equity (ytd only) | -6.0824% | 6,672 |
| Net charge-offs to loans | 0.8597% | 1,458 |
| Credit loss provision to net charge-offs | 82.5137% | 5,850 |
| Earnings coverage of net charge-offs (x) | -1.1475% | 6,619 |
| Efficiency ratio | 116.5485% | 612 |
| Assets per employee ($millions) | 2.6002% | 7,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 4,046 |
| Loan loss allowance to noncurrent loans | 151.0638% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7721% | 4,919 |
| Noncurrent loans to loans | 0.8341% | 4,966 |
| Net loans and leases to total assets | 65.8374% | 4,885 |
| Net loans and leases to deposits | 85.3958% | 4,195 |
| Net loans and leases to core deposits | 126.2838% | 2,140 |
| Total domestic deposits to total assets | 77.0967% | 5,968 |
| Equity capital to assets | 17.1819% | 761 |
| Core capital (leverage) ratio | 18.0467% | 601 |
| Tier 1 risk-based capital ratio | 21.5976% | 1,375 |
| Total risk-based capital ratio | 22.6698% | 1,368 |
| Memoranda: | ||
| Average total assets | $30,379,800 | 7,629 |
| Average earning assets | $27,172,800 | 7,659 |
| Average equity | $5,935,200 | 6,831 |
| Average total loans | $21,286,000 | 7,241 |