Home > Sun National Bank > Performance and Condition Ratios
Sun National Bank, Performance and Condition Ratios
| 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 | 3.7459% | 4,228 |
| Cost of funding earning assets | 0.4503% | 2,772 |
| Net interest margin | 3.2956% | 4,176 |
| Noninterest income to average assets | 0.5267% | 2,843 |
| Noninterest expense to average assets | 2.8945% | 2,476 |
| Loan and lease loss provision to assets | -0.0693% | 5,429 |
| Net operating income to assets | 0.6302% | 3,888 |
| Return on assets (ROA) | 0.6315% | 3,922 |
| Pretax return on assets | 0.6213% | 4,693 |
| Return on Equity (ROE) | 3.7555% | 4,582 |
| Retained earnings to average equity (ytd only) | 3.7555% | 2,974 |
| Net charge-offs to loans | -0.0037% | 4,592 |
| Credit loss provision to net charge-offs | 2,594.9153% | 149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0179% | 763 |
| Assets per employee ($millions) | 7.0712% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 4,506 |
| Loan loss allowance to noncurrent loans | 392.8791% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 4,304 |
| Noncurrent loans to loans | 0.2273% | 3,992 |
| Net loans and leases to total assets | 72.8657% | 2,108 |
| Net loans and leases to deposits | 93.9813% | 1,276 |
| Net loans and leases to core deposits | 95.4001% | 2,082 |
| Total domestic deposits to total assets | 77.5322% | 4,788 |
| Equity capital to assets | 17.6777% | 341 |
| Core capital (leverage) ratio | 14.5527% | 717 |
| Tier 1 risk-based capital ratio | 18.9347% | 1,511 |
| Total risk-based capital ratio | 19.8447% | 1,570 |
| Memoranda: | ||
| Average total assets | $2,208,318,400 | 377 |
| Average earning assets | $1,955,563,800 | 384 |
| Average equity | $371,347,000 | 282 |
| Average total loans | $1,594,791,600 | 379 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 4,343 |
| Cost of funding earning assets | 0.4489% | 2,726 |
| Net interest margin | 3.2417% | 4,353 |
| Noninterest income to average assets | 0.5421% | 2,765 |
| Noninterest expense to average assets | 2.8002% | 2,724 |
| Loan and lease loss provision to assets | -0.0498% | 5,527 |
| Net operating income to assets | 0.4223% | 4,951 |
| Return on assets (ROA) | 0.4235% | 4,977 |
| Pretax return on assets | 0.6671% | 4,688 |
| Return on Equity (ROE) | 2.5497% | 5,209 |
| Retained earnings to average equity (ytd only) | 2.5497% | 4,360 |
| Net charge-offs to loans | 0.0013% | 3,731 |
| Credit loss provision to net charge-offs | -5,193.7500% | 5,171 |
| Earnings coverage of net charge-offs (x) | 642.0216% | 159 |
| Efficiency ratio | 81.9791% | 921 |
| Assets per employee ($millions) | 6.8841% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9246% | 4,448 |
| Loan loss allowance to noncurrent loans | 344.6060% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 4,312 |
| Noncurrent loans to loans | 0.2683% | 3,999 |
| Net loans and leases to total assets | 72.6079% | 2,161 |
| Net loans and leases to deposits | 92.8382% | 1,441 |
| Net loans and leases to core deposits | 94.8014% | 2,192 |
| Total domestic deposits to total assets | 78.2090% | 4,693 |
| Equity capital to assets | 17.0528% | 420 |
| Core capital (leverage) ratio | 14.1567% | 850 |
| Tier 1 risk-based capital ratio | 18.6561% | 1,694 |
| Total risk-based capital ratio | 19.5947% | 1,728 |
| Memoranda: | ||
| Average total assets | $2,224,757,250 | 375 |
| Average earning assets | $1,972,167,000 | 379 |
| Average equity | $369,495,000 | 283 |
| Average total loans | $1,599,673,750 | 371 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6130% | 4,478 |
| Cost of funding earning assets | 0.4467% | 2,631 |
| Net interest margin | 3.1664% | 4,502 |
| Noninterest income to average assets | 0.5568% | 2,673 |
| Noninterest expense to average assets | 2.8739% | 2,503 |
| Loan and lease loss provision to assets | -0.0741% | 5,626 |
| Net operating income to assets | 0.3336% | 5,143 |
| Return on assets (ROA) | 0.3353% | 5,160 |
| Pretax return on assets | 0.5680% | 4,865 |
| Return on Equity (ROE) | 2.0363% | 5,339 |
| Retained earnings to average equity (ytd only) | 2.0363% | 4,440 |
| Net charge-offs to loans | -0.0293% | 4,943 |
| Credit loss provision to net charge-offs | 353.6170% | 863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4009% | 736 |
| Assets per employee ($millions) | 6.7996% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 4,466 |
| Loan loss allowance to noncurrent loans | 338.7353% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 4,372 |
| Noncurrent loans to loans | 0.2776% | 4,048 |
| Net loans and leases to total assets | 71.0145% | 2,374 |
| Net loans and leases to deposits | 90.1099% | 1,711 |
| Net loans and leases to core deposits | 92.6200% | 2,287 |
| Total domestic deposits to total assets | 78.8088% | 4,661 |
| Equity capital to assets | 16.4935% | 475 |
| Core capital (leverage) ratio | 13.6404% | 956 |
| Tier 1 risk-based capital ratio | 18.3006% | 1,774 |
| Total risk-based capital ratio | 19.2699% | 1,806 |
| Memoranda: | ||
| Average total assets | $2,243,511,670 | 379 |
| Average earning assets | $1,989,852,330 | 382 |
| Average equity | $369,397,330 | 287 |
| Average total loans | $1,603,168,000 | 376 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 4,597 |
| Cost of funding earning assets | 0.4428% | 2,588 |
| Net interest margin | 3.0902% | 4,680 |
| Noninterest income to average assets | 0.5909% | 2,456 |
| Noninterest expense to average assets | 2.8336% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3325% | 5,124 |
| Return on assets (ROA) | 0.3328% | 5,146 |
| Pretax return on assets | 0.5010% | 4,969 |
| Return on Equity (ROE) | 2.0232% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.0232% | 4,329 |
| Net charge-offs to loans | -0.0435% | 5,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9883% | 891 |
| Assets per employee ($millions) | 6.8330% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 4,415 |
| Loan loss allowance to noncurrent loans | 385.4795% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 4,521 |
| Noncurrent loans to loans | 0.2532% | 4,205 |
| Net loans and leases to total assets | 70.7242% | 2,260 |
| Net loans and leases to deposits | 89.2216% | 1,642 |
| Net loans and leases to core deposits | 92.1752% | 2,143 |
| Total domestic deposits to total assets | 79.2680% | 4,776 |
| Equity capital to assets | 16.0875% | 482 |
| Core capital (leverage) ratio | 13.4333% | 996 |
| Tier 1 risk-based capital ratio | 17.8065% | 1,941 |
| Total risk-based capital ratio | 18.8216% | 1,968 |
| Memoranda: | ||
| Average total assets | $2,256,926,000 | 376 |
| Average earning assets | $2,003,522,500 | 381 |
| Average equity | $371,291,500 | 285 |
| Average total loans | $1,610,196,000 | 373 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5170% | 4,745 |
| Cost of funding earning assets | 0.4108% | 2,898 |
| Net interest margin | 3.1062% | 4,710 |
| Noninterest income to average assets | 0.5851% | 2,738 |
| Noninterest expense to average assets | 2.9516% | 2,493 |
| Loan and lease loss provision to assets | -0.0765% | 5,643 |
| Net operating income to assets | 2.8401% | 92 |
| Return on assets (ROA) | 2.8595% | 92 |
| Pretax return on assets | 0.5236% | 4,978 |
| Return on Equity (ROE) | 18.9206% | 269 |
| Retained earnings to average equity (ytd only) | 18.9206% | 55 |
| Net charge-offs to loans | 0.0499% | 3,046 |
| Credit loss provision to net charge-offs | -214.2675% | 5,017 |
| Earnings coverage of net charge-offs (x) | 11.9898% | 2,495 |
| Efficiency ratio | 87.3411% | 727 |
| Assets per employee ($millions) | 6.8041% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9653% | 4,495 |
| Loan loss allowance to noncurrent loans | 500.1931% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 4,757 |
| Noncurrent loans to loans | 0.1930% | 4,467 |
| Net loans and leases to total assets | 70.5803% | 2,395 |
| Net loans and leases to deposits | 90.1587% | 1,665 |
| Net loans and leases to core deposits | 93.6668% | 2,136 |
| Total domestic deposits to total assets | 78.2846% | 4,934 |
| Equity capital to assets | 16.8143% | 409 |
| Core capital (leverage) ratio | 14.5030% | 697 |
| Tier 1 risk-based capital ratio | 18.8601% | 1,632 |
| Total risk-based capital ratio | 19.8490% | 1,667 |
| Memoranda: | ||
| Average total assets | $2,200,106,800 | 370 |
| Average earning assets | $1,979,252,800 | 371 |
| Average equity | $332,500,600 | 296 |
| Average total loans | $1,573,892,600 | 363 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 4,786 |
| Cost of funding earning assets | 0.4012% | 3,013 |
| Net interest margin | 3.1057% | 4,759 |
| Noninterest income to average assets | 0.5846% | 2,735 |
| Noninterest expense to average assets | 3.0208% | 2,261 |
| Loan and lease loss provision to assets | -0.1026% | 5,794 |
| Net operating income to assets | 0.4192% | 4,962 |
| Return on assets (ROA) | 0.4423% | 4,980 |
| Pretax return on assets | 0.4962% | 5,132 |
| Return on Equity (ROE) | 3.0145% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.0145% | 4,106 |
| Net charge-offs to loans | 0.0425% | 2,791 |
| Credit loss provision to net charge-offs | -337.0741% | 4,979 |
| Earnings coverage of net charge-offs (x) | 12.0741% | 2,422 |
| Efficiency ratio | 89.1516% | 607 |
| Assets per employee ($millions) | 6.4106% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 4,347 |
| Loan loss allowance to noncurrent loans | 230.3785% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 4,151 |
| Noncurrent loans to loans | 0.4381% | 3,716 |
| Net loans and leases to total assets | 71.0096% | 2,345 |
| Net loans and leases to deposits | 88.9311% | 1,899 |
| Net loans and leases to core deposits | 92.3443% | 2,343 |
| Total domestic deposits to total assets | 79.8479% | 4,546 |
| Equity capital to assets | 14.9092% | 757 |
| Core capital (leverage) ratio | 13.4198% | 1,030 |
| Tier 1 risk-based capital ratio | 18.2923% | 1,836 |
| Total risk-based capital ratio | 19.3366% | 1,861 |
| Memoranda: | ||
| Average total assets | $2,185,395,000 | 373 |
| Average earning assets | $1,972,909,000 | 373 |
| Average equity | $320,669,000 | 306 |
| Average total loans | $1,564,886,250 | 361 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4905% | 4,890 |
| Cost of funding earning assets | 0.3887% | 3,162 |
| Net interest margin | 3.1018% | 4,828 |
| Noninterest income to average assets | 0.5910% | 2,662 |
| Noninterest expense to average assets | 3.0729% | 2,130 |
| Loan and lease loss provision to assets | -0.1539% | 5,917 |
| Net operating income to assets | 0.3694% | 5,123 |
| Return on assets (ROA) | 0.3998% | 5,108 |
| Pretax return on assets | 0.5115% | 5,111 |
| Return on Equity (ROE) | 2.7393% | 5,319 |
| Retained earnings to average equity (ytd only) | 2.7393% | 4,162 |
| Net charge-offs to loans | 0.0556% | 2,399 |
| Credit loss provision to net charge-offs | -386.6667% | 4,872 |
| Earnings coverage of net charge-offs (x) | 8.0023% | 2,564 |
| Efficiency ratio | 90.6059% | 572 |
| Assets per employee ($millions) | 6.2749% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 4,428 |
| Loan loss allowance to noncurrent loans | 273.9355% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 4,435 |
| Noncurrent loans to loans | 0.3707% | 4,034 |
| Net loans and leases to total assets | 70.9423% | 2,334 |
| Net loans and leases to deposits | 88.9406% | 1,875 |
| Net loans and leases to core deposits | 91.6184% | 2,375 |
| Total domestic deposits to total assets | 79.7637% | 4,606 |
| Equity capital to assets | 14.7809% | 790 |
| Core capital (leverage) ratio | 13.3088% | 1,055 |
| Tier 1 risk-based capital ratio | 18.0407% | 1,920 |
| Total risk-based capital ratio | 19.0882% | 1,936 |
| Memoranda: | ||
| Average total assets | $2,185,184,330 | 374 |
| Average earning assets | $1,972,916,670 | 374 |
| Average equity | $318,918,670 | 303 |
| Average total loans | $1,563,809,670 | 362 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4316% | 5,042 |
| Cost of funding earning assets | 0.3721% | 3,375 |
| Net interest margin | 3.0596% | 4,972 |
| Noninterest income to average assets | 0.5726% | 2,665 |
| Noninterest expense to average assets | 3.0218% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2589% | 5,414 |
| Return on assets (ROA) | 0.2589% | 5,481 |
| Pretax return on assets | 0.3135% | 5,488 |
| Return on Equity (ROE) | 1.7855% | 5,553 |
| Retained earnings to average equity (ytd only) | 1.7855% | 4,552 |
| Net charge-offs to loans | 0.0143% | 2,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 30.5893% | 1,170 |
| Efficiency ratio | 90.6019% | 633 |
| Assets per employee ($millions) | 5.8869% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 3,852 |
| Loan loss allowance to noncurrent loans | 461.9660% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1794% | 4,852 |
| Noncurrent loans to loans | 0.2463% | 4,548 |
| Net loans and leases to total assets | 72.0068% | 2,038 |
| Net loans and leases to deposits | 90.0406% | 1,575 |
| Net loans and leases to core deposits | 92.8391% | 2,108 |
| Total domestic deposits to total assets | 79.9714% | 4,751 |
| Equity capital to assets | 14.6992% | 774 |
| Core capital (leverage) ratio | 13.1576% | 1,101 |
| Tier 1 risk-based capital ratio | 17.6951% | 2,070 |
| Total risk-based capital ratio | 18.8649% | 2,062 |
| Memoranda: | ||
| Average total assets | $2,185,951,500 | 375 |
| Average earning assets | $1,973,868,500 | 374 |
| Average equity | $316,996,000 | 305 |
| Average total loans | $1,563,203,000 | 360 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2305% | 5,469 |
| Cost of funding earning assets | 0.3410% | 3,785 |
| Net interest margin | 2.8895% | 5,350 |
| Noninterest income to average assets | 1.0841% | 1,002 |
| Noninterest expense to average assets | 3.3327% | 1,639 |
| Loan and lease loss provision to assets | -0.1365% | 5,907 |
| Net operating income to assets | 0.4318% | 4,945 |
| Return on assets (ROA) | 0.4844% | 4,837 |
| Pretax return on assets | 0.5628% | 4,951 |
| Return on Equity (ROE) | 3.7495% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.7495% | 3,378 |
| Net charge-offs to loans | 0.1266% | 2,113 |
| Credit loss provision to net charge-offs | -167.5179% | 5,248 |
| Earnings coverage of net charge-offs (x) | 4.4806% | 3,553 |
| Efficiency ratio | 90.1255% | 684 |
| Assets per employee ($millions) | 5.8040% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 3,688 |
| Loan loss allowance to noncurrent loans | 577.9204% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 4,978 |
| Noncurrent loans to loans | 0.2012% | 4,698 |
| Net loans and leases to total assets | 69.3942% | 2,470 |
| Net loans and leases to deposits | 86.3010% | 2,093 |
| Net loans and leases to core deposits | 89.0916% | 2,489 |
| Total domestic deposits to total assets | 80.4095% | 4,638 |
| Equity capital to assets | 14.3073% | 831 |
| Core capital (leverage) ratio | 12.3948% | 1,403 |
| Tier 1 risk-based capital ratio | 17.9126% | 1,989 |
| Total risk-based capital ratio | 19.1087% | 1,960 |
| Memoranda: | ||
| Average total assets | $2,402,627,200 | 336 |
| Average earning assets | $2,173,261,200 | 332 |
| Average equity | $310,410,600 | 295 |
| Average total loans | $1,547,200,600 | 344 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1889% | 5,602 |
| Cost of funding earning assets | 0.3383% | 3,883 |
| Net interest margin | 2.8507% | 5,493 |
| Noninterest income to average assets | 1.2455% | 779 |
| Noninterest expense to average assets | 3.4525% | 1,378 |
| Loan and lease loss provision to assets | -0.1620% | 6,069 |
| Net operating income to assets | 0.4625% | 4,926 |
| Return on assets (ROA) | 0.5320% | 4,768 |
| Pretax return on assets | 0.6133% | 4,943 |
| Return on Equity (ROE) | 4.2200% | 4,949 |
| Retained earnings to average equity (ytd only) | 4.2200% | 3,464 |
| Net charge-offs to loans | 0.1166% | 1,961 |
| Credit loss provision to net charge-offs | -220.2513% | 5,196 |
| Earnings coverage of net charge-offs (x) | 5.0473% | 3,256 |
| Efficiency ratio | 90.2885% | 683 |
| Assets per employee ($millions) | 5.9679% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 3,444 |
| Loan loss allowance to noncurrent loans | 433.1883% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 4,843 |
| Noncurrent loans to loans | 0.2857% | 4,558 |
| Net loans and leases to total assets | 66.0312% | 3,006 |
| Net loans and leases to deposits | 81.6246% | 2,693 |
| Net loans and leases to core deposits | 85.1564% | 2,936 |
| Total domestic deposits to total assets | 80.8962% | 4,501 |
| Equity capital to assets | 13.7371% | 1,129 |
| Core capital (leverage) ratio | 11.8757% | 1,760 |
| Tier 1 risk-based capital ratio | 18.4839% | 1,901 |
| Total risk-based capital ratio | 19.7346% | 1,866 |
| Memoranda: | ||
| Average total assets | $2,451,905,000 | 330 |
| Average earning assets | $2,217,612,250 | 329 |
| Average equity | $309,125,750 | 302 |
| Average total loans | $1,546,873,750 | 346 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1258% | 5,713 |
| Cost of funding earning assets | 0.3358% | 3,975 |
| Net interest margin | 2.7899% | 5,631 |
| Noninterest income to average assets | 1.4295% | 622 |
| Noninterest expense to average assets | 3.5057% | 1,290 |
| Loan and lease loss provision to assets | -0.0972% | 6,081 |
| Net operating income to assets | 0.4758% | 4,866 |
| Return on assets (ROA) | 0.4760% | 4,963 |
| Pretax return on assets | 0.5454% | 5,103 |
| Return on Equity (ROE) | 3.8816% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.8816% | 3,530 |
| Net charge-offs to loans | 0.2184% | 1,166 |
| Credit loss provision to net charge-offs | -71.8160% | 4,856 |
| Earnings coverage of net charge-offs (x) | 3.3107% | 3,207 |
| Efficiency ratio | 88.6712% | 859 |
| Assets per employee ($millions) | 5.5636% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 3,338 |
| Loan loss allowance to noncurrent loans | 258.0531% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3317% | 4,550 |
| Noncurrent loans to loans | 0.4969% | 3,978 |
| Net loans and leases to total assets | 65.8870% | 2,969 |
| Net loans and leases to deposits | 80.6273% | 2,705 |
| Net loans and leases to core deposits | 84.0528% | 2,977 |
| Total domestic deposits to total assets | 81.7180% | 4,379 |
| Equity capital to assets | 13.0843% | 1,358 |
| Core capital (leverage) ratio | 11.4588% | 2,029 |
| Tier 1 risk-based capital ratio | 17.2843% | 2,291 |
| Total risk-based capital ratio | 18.5353% | 2,252 |
| Memoranda: | ||
| Average total assets | $2,507,310,330 | 325 |
| Average earning assets | $2,268,383,000 | 325 |
| Average equity | $307,505,330 | 304 |
| Average total loans | $1,553,104,670 | 347 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0367% | 5,858 |
| Cost of funding earning assets | 0.3329% | 4,064 |
| Net interest margin | 2.7038% | 5,797 |
| Noninterest income to average assets | 2.0248% | 365 |
| Noninterest expense to average assets | 3.9093% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4664% | 4,805 |
| Return on assets (ROA) | 0.4664% | 4,924 |
| Pretax return on assets | 0.5596% | 5,026 |
| Return on Equity (ROE) | 3.9236% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.9236% | 3,645 |
| Net charge-offs to loans | 0.6062% | 402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.5457% | 2,904 |
| Efficiency ratio | 87.4774% | 1,057 |
| Assets per employee ($millions) | 5.4036% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 2,916 |
| Loan loss allowance to noncurrent loans | 206.4042% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4360% | 4,292 |
| Noncurrent loans to loans | 0.6784% | 3,585 |
| Net loans and leases to total assets | 60.5735% | 3,574 |
| Net loans and leases to deposits | 72.8237% | 3,456 |
| Net loans and leases to core deposits | 76.2927% | 3,565 |
| Total domestic deposits to total assets | 83.1783% | 4,128 |
| Equity capital to assets | 12.6616% | 1,592 |
| Core capital (leverage) ratio | 10.5093% | 2,949 |
| Tier 1 risk-based capital ratio | 17.1902% | 2,407 |
| Total risk-based capital ratio | 18.4419% | 2,366 |
| Memoranda: | ||
| Average total assets | $2,573,133,000 | 317 |
| Average earning assets | $2,326,066,500 | 313 |
| Average equity | $305,838,500 | 304 |
| Average total loans | $1,536,864,000 | 344 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4292% | 5,465 |
| Cost of funding earning assets | 0.3844% | 3,854 |
| Net interest margin | 3.0449% | 5,335 |
| Noninterest income to average assets | 0.6043% | 2,830 |
| Noninterest expense to average assets | 3.7609% | 1,051 |
| Loan and lease loss provision to assets | 0.5091% | 296 |
| Net operating income to assets | -0.9812% | 6,379 |
| Return on assets (ROA) | -0.9795% | 6,378 |
| Pretax return on assets | -0.9091% | 6,352 |
| Return on Equity (ROE) | -9.1665% | 6,349 |
| Retained earnings to average equity (ytd only) | -9.1665% | 6,290 |
| Net charge-offs to loans | 1.4317% | 177 |
| Credit loss provision to net charge-offs | 54.6357% | 3,387 |
| Earnings coverage of net charge-offs (x) | -0.4311% | 4,757 |
| Efficiency ratio | 111.1343% | 204 |
| Assets per employee ($millions) | 5.6792% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 2,601 |
| Loan loss allowance to noncurrent loans | 153.6418% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 3,861 |
| Noncurrent loans to loans | 0.9577% | 2,933 |
| Net loans and leases to total assets | 57.3425% | 4,142 |
| Net loans and leases to deposits | 67.4813% | 4,175 |
| Net loans and leases to core deposits | 70.6105% | 4,270 |
| Total domestic deposits to total assets | 84.9755% | 3,293 |
| Equity capital to assets | 11.1909% | 2,710 |
| Core capital (leverage) ratio | 9.6857% | 3,990 |
| Tier 1 risk-based capital ratio | 16.1241% | 2,907 |
| Total risk-based capital ratio | 17.3768% | 2,842 |
| Memoranda: | ||
| Average total assets | $2,907,600,000 | 275 |
| Average earning assets | $2,630,670,200 | 272 |
| Average equity | $310,696,600 | 290 |
| Average total loans | $1,892,458,200 | 276 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5088% | 5,379 |
| Cost of funding earning assets | 0.3909% | 3,886 |
| Net interest margin | 3.1179% | 5,205 |
| Noninterest income to average assets | 0.6159% | 2,772 |
| Noninterest expense to average assets | 3.8724% | 884 |
| Loan and lease loss provision to assets | 0.6677% | 190 |
| Net operating income to assets | -1.1768% | 6,479 |
| Return on assets (ROA) | -1.1746% | 6,476 |
| Pretax return on assets | -1.1014% | 6,460 |
| Return on Equity (ROE) | -11.1125% | 6,458 |
| Retained earnings to average equity (ytd only) | -11.1125% | 6,397 |
| Net charge-offs to loans | 1.6103% | 140 |
| Credit loss provision to net charge-offs | 62.1975% | 2,907 |
| Earnings coverage of net charge-offs (x) | -0.4061% | 4,494 |
| Efficiency ratio | 111.6283% | 202 |
| Assets per employee ($millions) | 5.4066% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 2,492 |
| Loan loss allowance to noncurrent loans | 157.5074% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 3,927 |
| Noncurrent loans to loans | 0.9853% | 3,106 |
| Net loans and leases to total assets | 59.7667% | 3,825 |
| Net loans and leases to deposits | 70.3483% | 3,882 |
| Net loans and leases to core deposits | 74.4639% | 3,901 |
| Total domestic deposits to total assets | 84.9583% | 3,352 |
| Equity capital to assets | 10.8490% | 3,129 |
| Core capital (leverage) ratio | 9.4095% | 4,500 |
| Tier 1 risk-based capital ratio | 15.0081% | 3,581 |
| Total risk-based capital ratio | 16.2414% | 3,518 |
| Memoranda: | ||
| Average total assets | $2,955,836,750 | 271 |
| Average earning assets | $2,674,018,500 | 269 |
| Average equity | $312,422,000 | 283 |
| Average total loans | $1,970,598,500 | 267 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5709% | 5,231 |
| Cost of funding earning assets | 0.3944% | 3,922 |
| Net interest margin | 3.1764% | 5,022 |
| Noninterest income to average assets | 0.5984% | 2,819 |
| Noninterest expense to average assets | 4.1079% | 669 |
| Loan and lease loss provision to assets | 0.9862% | 107 |
| Net operating income to assets | -1.6990% | 6,584 |
| Return on assets (ROA) | -1.6958% | 6,582 |
| Pretax return on assets | -1.6232% | 6,570 |
| Return on Equity (ROE) | -16.1775% | 6,561 |
| Retained earnings to average equity (ytd only) | -16.1775% | 6,512 |
| Net charge-offs to loans | 2.1335% | 101 |
| Credit loss provision to net charge-offs | 67.4458% | 2,516 |
| Earnings coverage of net charge-offs (x) | -0.4379% | 4,173 |
| Efficiency ratio | 117.3772% | 160 |
| Assets per employee ($millions) | 4.6040% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4835% | 2,979 |
| Loan loss allowance to noncurrent loans | 156.5074% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6733% | 3,974 |
| Noncurrent loans to loans | 0.9479% | 3,352 |
| Net loans and leases to total assets | 65.2109% | 2,878 |
| Net loans and leases to deposits | 77.1427% | 2,906 |
| Net loans and leases to core deposits | 81.5880% | 3,019 |
| Total domestic deposits to total assets | 84.5328% | 3,709 |
| Equity capital to assets | 10.5885% | 3,328 |
| Core capital (leverage) ratio | 9.1126% | 4,860 |
| Tier 1 risk-based capital ratio | 13.1946% | 4,790 |
| Total risk-based capital ratio | 14.4386% | 4,723 |
| Memoranda: | ||
| Average total assets | $3,002,170,330 | 263 |
| Average earning assets | $2,711,790,000 | 262 |
| Average equity | $314,696,330 | 280 |
| Average total loans | $2,057,441,000 | 259 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5636% | 5,265 |
| Cost of funding earning assets | 0.3930% | 4,054 |
| Net interest margin | 3.1707% | 5,011 |
| Noninterest income to average assets | 0.6364% | 2,538 |
| Noninterest expense to average assets | 3.6396% | 1,234 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.2223% | 6,369 |
| Return on assets (ROA) | -0.2223% | 6,373 |
| Pretax return on assets | -0.1351% | 6,305 |
| Return on Equity (ROE) | -2.1306% | 6,360 |
| Retained earnings to average equity (ytd only) | -2.1306% | 5,869 |
| Net charge-offs to loans | 0.3323% | 1,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.5839% | 3,487 |
| Efficiency ratio | 102.7960% | 404 |
| Assets per employee ($millions) | 4.7687% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 2,660 |
| Loan loss allowance to noncurrent loans | 90.1730% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.3247% | 2,665 |
| Noncurrent loans to loans | 1.7831% | 2,164 |
| Net loans and leases to total assets | 68.1314% | 2,201 |
| Net loans and leases to deposits | 79.7635% | 2,329 |
| Net loans and leases to core deposits | 84.3491% | 2,476 |
| Total domestic deposits to total assets | 85.4167% | 3,661 |
| Equity capital to assets | 10.5751% | 3,171 |
| Core capital (leverage) ratio | 9.4270% | 4,379 |
| Tier 1 risk-based capital ratio | 12.8026% | 5,120 |
| Total risk-based capital ratio | 14.0275% | 5,076 |
| Memoranda: | ||
| Average total assets | $3,057,610,000 | 259 |
| Average earning assets | $2,765,730,500 | 258 |
| Average equity | $318,972,500 | 269 |
| Average total loans | $2,129,246,500 | 249 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 5,216 |
| Cost of funding earning assets | 0.4586% | 4,035 |
| Net interest margin | 3.2128% | 4,965 |
| Noninterest income to average assets | 0.8564% | 1,840 |
| Noninterest expense to average assets | 4.0521% | 824 |
| Loan and lease loss provision to assets | 0.0359% | 4,402 |
| Net operating income to assets | -0.3802% | 6,449 |
| Return on assets (ROA) | -0.2720% | 6,421 |
| Pretax return on assets | -0.2419% | 6,385 |
| Return on Equity (ROE) | -2.6295% | 6,409 |
| Retained earnings to average equity (ytd only) | -2.6295% | 6,236 |
| Net charge-offs to loans | 0.5097% | 1,297 |
| Credit loss provision to net charge-offs | 9.9887% | 4,583 |
| Earnings coverage of net charge-offs (x) | -0.8732% | 5,248 |
| Efficiency ratio | 106.3461% | 331 |
| Assets per employee ($millions) | 4.6915% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6465% | 2,584 |
| Loan loss allowance to noncurrent loans | 93.5751% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.3133% | 2,798 |
| Noncurrent loans to loans | 1.7595% | 2,290 |
| Net loans and leases to total assets | 68.8712% | 2,200 |
| Net loans and leases to deposits | 80.4390% | 2,392 |
| Net loans and leases to core deposits | 84.9132% | 2,568 |
| Total domestic deposits to total assets | 85.6191% | 3,448 |
| Equity capital to assets | 10.2914% | 3,400 |
| Core capital (leverage) ratio | 9.0005% | 5,004 |
| Tier 1 risk-based capital ratio | 12.3701% | 5,384 |
| Total risk-based capital ratio | 13.5936% | 5,322 |
| Memoranda: | ||
| Average total assets | $3,191,242,800 | 239 |
| Average earning assets | $2,862,174,000 | 239 |
| Average equity | $330,138,800 | 256 |
| Average total loans | $2,252,988,800 | 228 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 5,200 |
| Cost of funding earning assets | 0.4679% | 4,082 |
| Net interest margin | 3.2171% | 4,941 |
| Noninterest income to average assets | 0.9471% | 1,611 |
| Noninterest expense to average assets | 4.0228% | 835 |
| Loan and lease loss provision to assets | -0.0409% | 6,535 |
| Net operating income to assets | -0.1774% | 6,452 |
| Return on assets (ROA) | -0.0343% | 6,367 |
| Pretax return on assets | -0.0135% | 6,331 |
| Return on Equity (ROE) | -0.3316% | 6,372 |
| Retained earnings to average equity (ytd only) | -0.3316% | 6,009 |
| Net charge-offs to loans | -0.2324% | 6,677 |
| Credit loss provision to net charge-offs | 24.8929% | 3,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9955% | 380 |
| Assets per employee ($millions) | 4.7448% | 2,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2326% | 1,280 |
| Loan loss allowance to noncurrent loans | 88.1905% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.8710% | 2,172 |
| Noncurrent loans to loans | 2.5315% | 1,704 |
| Net loans and leases to total assets | 66.2099% | 2,599 |
| Net loans and leases to deposits | 77.2318% | 2,789 |
| Net loans and leases to core deposits | 81.4836% | 2,936 |
| Total domestic deposits to total assets | 85.7289% | 3,388 |
| Equity capital to assets | 10.1814% | 3,665 |
| Core capital (leverage) ratio | 9.0686% | 5,011 |
| Tier 1 risk-based capital ratio | 12.6664% | 5,349 |
| Total risk-based capital ratio | 13.8953% | 5,309 |
| Memoranda: | ||
| Average total assets | $3,218,474,000 | 235 |
| Average earning assets | $2,879,456,250 | 233 |
| Average equity | $333,370,000 | 250 |
| Average total loans | $2,276,644,500 | 225 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6857% | 5,187 |
| Cost of funding earning assets | 0.4780% | 4,120 |
| Net interest margin | 3.2077% | 4,920 |
| Noninterest income to average assets | 1.0730% | 1,332 |
| Noninterest expense to average assets | 4.0038% | 861 |
| Loan and lease loss provision to assets | -0.1065% | 6,719 |
| Net operating income to assets | 0.0330% | 6,261 |
| Return on assets (ROA) | 0.2306% | 5,945 |
| Pretax return on assets | 0.2495% | 6,003 |
| Return on Equity (ROE) | 2.2136% | 5,877 |
| Retained earnings to average equity (ytd only) | 2.2136% | 4,864 |
| Net charge-offs to loans | -0.3335% | 6,776 |
| Credit loss provision to net charge-offs | 44.5138% | 3,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5126% | 505 |
| Assets per employee ($millions) | 4.5535% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1545% | 1,521 |
| Loan loss allowance to noncurrent loans | 66.9283% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 2.4514% | 1,732 |
| Noncurrent loans to loans | 3.2191% | 1,364 |
| Net loans and leases to total assets | 68.1078% | 2,207 |
| Net loans and leases to deposits | 79.5742% | 2,389 |
| Net loans and leases to core deposits | 84.2313% | 2,523 |
| Total domestic deposits to total assets | 85.5903% | 3,586 |
| Equity capital to assets | 10.4214% | 3,404 |
| Core capital (leverage) ratio | 9.3072% | 4,529 |
| Tier 1 risk-based capital ratio | 12.7544% | 5,325 |
| Total risk-based capital ratio | 13.9813% | 5,273 |
| Memoranda: | ||
| Average total assets | $3,214,222,670 | 234 |
| Average earning assets | $2,864,785,670 | 231 |
| Average equity | $334,832,000 | 248 |
| Average total loans | $2,306,110,330 | 217 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 4,818 |
| Cost of funding earning assets | 0.4854% | 4,235 |
| Net interest margin | 3.3161% | 4,460 |
| Noninterest income to average assets | 0.9165% | 1,708 |
| Noninterest expense to average assets | 3.9140% | 981 |
| Loan and lease loss provision to assets | 0.0212% | 4,200 |
| Net operating income to assets | -0.0740% | 6,418 |
| Return on assets (ROA) | 0.3116% | 5,658 |
| Pretax return on assets | 0.3487% | 5,725 |
| Return on Equity (ROE) | 2.9918% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.9918% | 4,489 |
| Net charge-offs to loans | -0.1844% | 6,662 |
| Credit loss provision to net charge-offs | -15.8187% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6744% | 603 |
| Assets per employee ($millions) | 4.8527% | 2,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0551% | 1,907 |
| Loan loss allowance to noncurrent loans | 63.8640% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 2.5529% | 1,794 |
| Noncurrent loans to loans | 3.2179% | 1,523 |
| Net loans and leases to total assets | 69.7016% | 1,713 |
| Net loans and leases to deposits | 81.9275% | 1,841 |
| Net loans and leases to core deposits | 86.7512% | 2,038 |
| Total domestic deposits to total assets | 85.0771% | 4,004 |
| Equity capital to assets | 10.4374% | 3,619 |
| Core capital (leverage) ratio | 9.2924% | 4,412 |
| Tier 1 risk-based capital ratio | 12.1910% | 5,793 |
| Total risk-based capital ratio | 13.4162% | 5,772 |
| Memoranda: | ||
| Average total assets | $3,220,781,500 | 238 |
| Average earning assets | $2,849,773,500 | 238 |
| Average equity | $335,448,000 | 257 |
| Average total loans | $2,345,061,000 | 217 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0856% | 5,002 |
| Cost of funding earning assets | 0.5306% | 4,992 |
| Net interest margin | 3.5550% | 4,283 |
| Noninterest income to average assets | 0.9156% | 1,814 |
| Noninterest expense to average assets | 3.7912% | 1,266 |
| Loan and lease loss provision to assets | 1.8089% | 139 |
| Net operating income to assets | -1.5400% | 6,868 |
| Return on assets (ROA) | -1.5353% | 6,877 |
| Pretax return on assets | -1.5042% | 6,847 |
| Return on Equity (ROE) | -13.8128% | 6,805 |
| Retained earnings to average equity (ytd only) | -13.8128% | 6,749 |
| Net charge-offs to loans | 2.2844% | 291 |
| Credit loss provision to net charge-offs | 107.9325% | 2,739 |
| Earnings coverage of net charge-offs (x) | 0.1789% | 5,394 |
| Efficiency ratio | 89.8217% | 1,083 |
| Assets per employee ($millions) | 4.5090% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9137% | 2,256 |
| Loan loss allowance to noncurrent loans | 47.8317% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 3.2110% | 1,447 |
| Noncurrent loans to loans | 4.0008% | 1,171 |
| Net loans and leases to total assets | 73.0331% | 1,329 |
| Net loans and leases to deposits | 86.0861% | 1,503 |
| Net loans and leases to core deposits | 91.4000% | 1,686 |
| Total domestic deposits to total assets | 84.8373% | 3,930 |
| Equity capital to assets | 10.3928% | 3,651 |
| Core capital (leverage) ratio | 9.2190% | 4,546 |
| Tier 1 risk-based capital ratio | 11.7248% | 5,940 |
| Total risk-based capital ratio | 12.9490% | 5,924 |
| Memoranda: | ||
| Average total assets | $3,162,997,800 | 239 |
| Average earning assets | $2,825,388,200 | 236 |
| Average equity | $351,558,000 | 246 |
| Average total loans | $2,320,568,000 | 212 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1413% | 5,033 |
| Cost of funding earning assets | 0.5404% | 5,163 |
| Net interest margin | 3.6009% | 4,232 |
| Noninterest income to average assets | 0.9351% | 1,719 |
| Noninterest expense to average assets | 3.7507% | 1,289 |
| Loan and lease loss provision to assets | 1.3999% | 236 |
| Net operating income to assets | -1.0334% | 6,870 |
| Return on assets (ROA) | -1.0188% | 6,893 |
| Pretax return on assets | -0.9875% | 6,863 |
| Return on Equity (ROE) | -9.0164% | 6,842 |
| Retained earnings to average equity (ytd only) | -9.0164% | 6,788 |
| Net charge-offs to loans | 1.4896% | 577 |
| Credit loss provision to net charge-offs | 128.5820% | 2,240 |
| Earnings coverage of net charge-offs (x) | 0.3653% | 5,145 |
| Efficiency ratio | 87.5917% | 1,240 |
| Assets per employee ($millions) | 4.4734% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0667% | 1,993 |
| Loan loss allowance to noncurrent loans | 40.5564% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 3.9788% | 1,215 |
| Noncurrent loans to loans | 5.0959% | 878 |
| Net loans and leases to total assets | 73.1292% | 1,371 |
| Net loans and leases to deposits | 87.1455% | 1,459 |
| Net loans and leases to core deposits | 91.8066% | 1,797 |
| Total domestic deposits to total assets | 83.9162% | 4,260 |
| Equity capital to assets | 11.3166% | 2,918 |
| Core capital (leverage) ratio | 10.0850% | 3,424 |
| Tier 1 risk-based capital ratio | 12.5826% | 5,578 |
| Total risk-based capital ratio | 13.8069% | 5,560 |
| Memoranda: | ||
| Average total assets | $3,148,899,500 | 241 |
| Average earning assets | $2,809,955,250 | 237 |
| Average equity | $355,801,250 | 247 |
| Average total loans | $2,301,436,500 | 214 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2006% | 4,953 |
| Cost of funding earning assets | 0.5608% | 5,221 |
| Net interest margin | 3.6398% | 4,080 |
| Noninterest income to average assets | 0.8106% | 2,135 |
| Noninterest expense to average assets | 3.6966% | 1,382 |
| Loan and lease loss provision to assets | 1.9869% | 147 |
| Net operating income to assets | -1.6635% | 7,037 |
| Return on assets (ROA) | -1.6356% | 7,047 |
| Pretax return on assets | -1.5991% | 7,019 |
| Return on Equity (ROE) | -14.4825% | 6,971 |
| Retained earnings to average equity (ytd only) | -14.4825% | 6,930 |
| Net charge-offs to loans | 1.8846% | 464 |
| Credit loss provision to net charge-offs | 145.3135% | 1,907 |
| Earnings coverage of net charge-offs (x) | 0.2633% | 4,947 |
| Efficiency ratio | 88.2341% | 1,214 |
| Assets per employee ($millions) | 4.4523% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2645% | 1,647 |
| Loan loss allowance to noncurrent loans | 40.3033% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 4.2695% | 1,169 |
| Noncurrent loans to loans | 5.6186% | 821 |
| Net loans and leases to total assets | 70.8685% | 1,763 |
| Net loans and leases to deposits | 84.4472% | 1,798 |
| Net loans and leases to core deposits | 87.7912% | 2,234 |
| Total domestic deposits to total assets | 83.9205% | 4,346 |
| Equity capital to assets | 11.3921% | 2,698 |
| Core capital (leverage) ratio | 10.1179% | 3,250 |
| Tier 1 risk-based capital ratio | 12.5989% | 5,494 |
| Total risk-based capital ratio | 13.8218% | 5,500 |
| Memoranda: | ||
| Average total assets | $3,139,833,000 | 240 |
| Average earning assets | $2,800,040,000 | 237 |
| Average equity | $354,592,330 | 243 |
| Average total loans | $2,278,024,670 | 214 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 5,118 |
| Cost of funding earning assets | 0.5756% | 5,311 |
| Net interest margin | 3.6192% | 4,185 |
| Noninterest income to average assets | 0.7161% | 2,570 |
| Noninterest expense to average assets | 3.4857% | 1,792 |
| Loan and lease loss provision to assets | 3.9027% | 32 |
| Net operating income to assets | -3.4885% | 7,242 |
| Return on assets (ROA) | -3.4878% | 7,243 |
| Pretax return on assets | -3.4446% | 7,230 |
| Return on Equity (ROE) | -31.0189% | 7,169 |
| Retained earnings to average equity (ytd only) | -31.0189% | 7,140 |
| Net charge-offs to loans | 3.5444% | 182 |
| Credit loss provision to net charge-offs | 151.7233% | 1,648 |
| Earnings coverage of net charge-offs (x) | 0.1779% | 4,282 |
| Efficiency ratio | 85.4263% | 1,533 |
| Assets per employee ($millions) | 4.3547% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3162% | 1,642 |
| Loan loss allowance to noncurrent loans | 41.4061% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 4.1829% | 1,302 |
| Noncurrent loans to loans | 5.5937% | 946 |
| Net loans and leases to total assets | 70.7071% | 1,631 |
| Net loans and leases to deposits | 82.9378% | 1,799 |
| Net loans and leases to core deposits | 86.6054% | 2,217 |
| Total domestic deposits to total assets | 85.2532% | 3,907 |
| Equity capital to assets | 11.4135% | 2,514 |
| Core capital (leverage) ratio | 9.8942% | 3,508 |
| Tier 1 risk-based capital ratio | 12.4663% | 5,631 |
| Total risk-based capital ratio | 13.6870% | 5,624 |
| Memoranda: | ||
| Average total assets | $3,144,763,000 | 239 |
| Average earning assets | $2,804,052,500 | 236 |
| Average equity | $353,604,000 | 240 |
| Average total loans | $2,282,258,000 | 211 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3286% | 5,666 |
| Cost of funding earning assets | 0.6887% | 5,613 |
| Net interest margin | 3.6399% | 4,565 |
| Noninterest income to average assets | 0.3706% | 4,857 |
| Noninterest expense to average assets | 3.3811% | 2,291 |
| Loan and lease loss provision to assets | 2.2693% | 223 |
| Net operating income to assets | -2.0554% | 7,036 |
| Return on assets (ROA) | -2.0049% | 7,037 |
| Pretax return on assets | -1.9744% | 7,018 |
| Return on Equity (ROE) | -18.7992% | 6,968 |
| Retained earnings to average equity (ytd only) | -18.7992% | 6,954 |
| Net charge-offs to loans | 4.8197% | 90 |
| Credit loss provision to net charge-offs | 64.7486% | 5,039 |
| Earnings coverage of net charge-offs (x) | 0.0697% | 5,775 |
| Efficiency ratio | 90.1536% | 1,178 |
| Assets per employee ($millions) | 4.7467% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7840% | 2,919 |
| Loan loss allowance to noncurrent loans | 38.0945% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 3.5652% | 1,653 |
| Noncurrent loans to loans | 4.6830% | 1,261 |
| Net loans and leases to total assets | 71.4607% | 1,737 |
| Net loans and leases to deposits | 83.6879% | 1,961 |
| Net loans and leases to core deposits | 87.6136% | 2,417 |
| Total domestic deposits to total assets | 85.3896% | 3,651 |
| Equity capital to assets | 11.0787% | 2,913 |
| Core capital (leverage) ratio | 9.6040% | 3,861 |
| Tier 1 risk-based capital ratio | 12.0922% | 5,764 |
| Total risk-based capital ratio | 13.3062% | 5,780 |
| Memoranda: | ||
| Average total assets | $3,272,673,800 | 230 |
| Average earning assets | $2,926,589,400 | 225 |
| Average equity | $349,026,000 | 239 |
| Average total loans | $2,379,779,800 | 207 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 5,831 |
| Cost of funding earning assets | 0.7129% | 5,686 |
| Net interest margin | 3.6227% | 4,686 |
| Noninterest income to average assets | 0.2300% | 5,972 |
| Noninterest expense to average assets | 3.3699% | 2,279 |
| Loan and lease loss provision to assets | 2.7283% | 142 |
| Net operating income to assets | -2.6589% | 7,233 |
| Return on assets (ROA) | -2.6108% | 7,241 |
| Pretax return on assets | -2.5796% | 7,224 |
| Return on Equity (ROE) | -24.7117% | 7,162 |
| Retained earnings to average equity (ytd only) | -24.7117% | 7,151 |
| Net charge-offs to loans | 5.2477% | 87 |
| Credit loss provision to net charge-offs | 71.5066% | 4,430 |
| Earnings coverage of net charge-offs (x) | 0.0264% | 5,581 |
| Efficiency ratio | 93.8802% | 925 |
| Assets per employee ($millions) | 4.8591% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3568% | 1,609 |
| Loan loss allowance to noncurrent loans | 40.3381% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 4.3587% | 1,386 |
| Noncurrent loans to loans | 5.8426% | 973 |
| Net loans and leases to total assets | 70.3133% | 2,016 |
| Net loans and leases to deposits | 81.8946% | 2,380 |
| Net loans and leases to core deposits | 84.9065% | 2,924 |
| Total domestic deposits to total assets | 85.8584% | 3,298 |
| Equity capital to assets | 10.8685% | 3,273 |
| Core capital (leverage) ratio | 9.5694% | 4,040 |
| Tier 1 risk-based capital ratio | 11.7258% | 6,083 |
| Total risk-based capital ratio | 13.0295% | 6,045 |
| Memoranda: | ||
| Average total assets | $3,295,773,250 | 227 |
| Average earning assets | $2,948,090,250 | 223 |
| Average equity | $348,199,000 | 239 |
| Average total loans | $2,396,242,750 | 205 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 5,911 |
| Cost of funding earning assets | 0.7475% | 5,688 |
| Net interest margin | 3.5825% | 4,779 |
| Noninterest income to average assets | 0.0015% | 7,184 |
| Noninterest expense to average assets | 3.4001% | 2,260 |
| Loan and lease loss provision to assets | 3.9261% | 76 |
| Net operating income to assets | -4.1489% | 7,401 |
| Return on assets (ROA) | -4.0781% | 7,398 |
| Pretax return on assets | -4.0436% | 7,392 |
| Return on Equity (ROE) | -38.9631% | 7,302 |
| Retained earnings to average equity (ytd only) | -38.9631% | 7,296 |
| Net charge-offs to loans | 7.3163% | 47 |
| Credit loss provision to net charge-offs | 73.5775% | 3,960 |
| Earnings coverage of net charge-offs (x) | -0.0353% | 5,306 |
| Efficiency ratio | 102.4085% | 652 |
| Assets per employee ($millions) | 4.8696% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4957% | 1,452 |
| Loan loss allowance to noncurrent loans | 41.6061% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 4.4716% | 1,408 |
| Noncurrent loans to loans | 5.9984% | 996 |
| Net loans and leases to total assets | 71.0114% | 2,004 |
| Net loans and leases to deposits | 82.4580% | 2,377 |
| Net loans and leases to core deposits | 85.7329% | 2,948 |
| Total domestic deposits to total assets | 86.1182% | 3,260 |
| Equity capital to assets | 10.8597% | 3,117 |
| Core capital (leverage) ratio | 9.2752% | 4,283 |
| Tier 1 risk-based capital ratio | 11.6217% | 6,078 |
| Total risk-based capital ratio | 12.9296% | 6,026 |
| Memoranda: | ||
| Average total assets | $3,317,259,670 | 230 |
| Average earning assets | $2,972,498,000 | 226 |
| Average equity | $347,200,330 | 242 |
| Average total loans | $2,419,362,330 | 207 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 6,202 |
| Cost of funding earning assets | 0.7849% | 5,645 |
| Net interest margin | 3.4459% | 5,241 |
| Noninterest income to average assets | -0.2874% | 7,455 |
| Noninterest expense to average assets | 3.3496% | 2,405 |
| Loan and lease loss provision to assets | 7.1524% | 33 |
| Net operating income to assets | -7.7343% | 7,536 |
| Return on assets (ROA) | -7.8842% | 7,539 |
| Pretax return on assets | -7.8422% | 7,534 |
| Return on Equity (ROE) | -76.6992% | 7,477 |
| Retained earnings to average equity (ytd only) | -76.6992% | 7,470 |
| Net charge-offs to loans | 13.5742% | 20 |
| Credit loss provision to net charge-offs | 72.1969% | 3,311 |
| Earnings coverage of net charge-offs (x) | -0.0545% | 4,619 |
| Efficiency ratio | 115.3287% | 406 |
| Assets per employee ($millions) | 4.7767% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4519% | 1,527 |
| Loan loss allowance to noncurrent loans | 31.1454% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 5.7747% | 1,023 |
| Noncurrent loans to loans | 7.8725% | 642 |
| Net loans and leases to total assets | 69.9026% | 2,147 |
| Net loans and leases to deposits | 80.8840% | 2,545 |
| Net loans and leases to core deposits | 83.6676% | 3,212 |
| Total domestic deposits to total assets | 86.4233% | 3,275 |
| Equity capital to assets | 10.4319% | 3,253 |
| Core capital (leverage) ratio | 8.9802% | 4,644 |
| Tier 1 risk-based capital ratio | 11.2950% | 6,259 |
| Total risk-based capital ratio | 12.6027% | 6,196 |
| Memoranda: | ||
| Average total assets | $3,371,363,000 | 228 |
| Average earning assets | $3,030,041,500 | 225 |
| Average equity | $346,554,000 | 239 |
| Average total loans | $2,460,483,000 | 206 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6784% | 5,868 |
| Cost of funding earning assets | 0.9808% | 5,775 |
| Net interest margin | 3.6976% | 4,352 |
| Noninterest income to average assets | 0.3422% | 5,346 |
| Noninterest expense to average assets | 5.7067% | 272 |
| Loan and lease loss provision to assets | 2.8802% | 347 |
| Net operating income to assets | -5.2825% | 7,552 |
| Return on assets (ROA) | -5.1876% | 7,554 |
| Pretax return on assets | -4.8849% | 7,531 |
| Return on Equity (ROE) | -47.5985% | 7,407 |
| Retained earnings to average equity (ytd only) | -47.5985% | 7,403 |
| Net charge-offs to loans | 2.9808% | 556 |
| Credit loss provision to net charge-offs | 127.2809% | 3,163 |
| Earnings coverage of net charge-offs (x) | -0.9279% | 6,586 |
| Efficiency ratio | 84.7531% | 1,829 |
| Assets per employee ($millions) | 5.2272% | 1,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2232% | 721 |
| Loan loss allowance to noncurrent loans | 47.0220% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 5.2057% | 1,203 |
| Noncurrent loans to loans | 6.8546% | 839 |
| Net loans and leases to total assets | 71.8776% | 2,129 |
| Net loans and leases to deposits | 83.0826% | 2,611 |
| Net loans and leases to core deposits | 86.7589% | 3,220 |
| Total domestic deposits to total assets | 86.5134% | 3,069 |
| Equity capital to assets | 10.1305% | 3,583 |
| Core capital (leverage) ratio | 8.5026% | 5,362 |
| Tier 1 risk-based capital ratio | 10.8862% | 6,423 |
| Total risk-based capital ratio | 12.2035% | 6,335 |
| Memoranda: | ||
| Average total assets | $3,524,742,400 | 221 |
| Average earning assets | $3,112,252,400 | 222 |
| Average equity | $384,148,400 | 217 |
| Average total loans | $2,675,733,400 | 193 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 5,976 |
| Cost of funding earning assets | 1.0031% | 5,924 |
| Net interest margin | 3.7078% | 4,365 |
| Noninterest income to average assets | 0.3176% | 5,610 |
| Noninterest expense to average assets | 6.4976% | 182 |
| Loan and lease loss provision to assets | 2.4773% | 427 |
| Net operating income to assets | -5.7851% | 7,685 |
| Return on assets (ROA) | -5.8170% | 7,691 |
| Pretax return on assets | -5.4324% | 7,670 |
| Return on Equity (ROE) | -52.4848% | 7,574 |
| Retained earnings to average equity (ytd only) | -52.4848% | 7,572 |
| Net charge-offs to loans | 2.5271% | 666 |
| Credit loss provision to net charge-offs | 128.4658% | 3,162 |
| Earnings coverage of net charge-offs (x) | -1.5159% | 6,509 |
| Efficiency ratio | 84.6919% | 1,758 |
| Assets per employee ($millions) | 5.3809% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7799% | 1,019 |
| Loan loss allowance to noncurrent loans | 36.4563% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 5.8015% | 1,044 |
| Noncurrent loans to loans | 7.6253% | 704 |
| Net loans and leases to total assets | 72.4539% | 2,145 |
| Net loans and leases to deposits | 84.7437% | 2,567 |
| Net loans and leases to core deposits | 90.9830% | 2,954 |
| Total domestic deposits to total assets | 85.4977% | 3,342 |
| Equity capital to assets | 10.1838% | 3,900 |
| Core capital (leverage) ratio | 8.8703% | 4,894 |
| Tier 1 risk-based capital ratio | 10.7278% | 6,615 |
| Total risk-based capital ratio | 11.9503% | 6,622 |
| Memoranda: | ||
| Average total assets | $3,552,582,750 | 217 |
| Average earning assets | $3,120,299,500 | 219 |
| Average equity | $393,737,250 | 210 |
| Average total loans | $2,710,874,250 | 189 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 5,868 |
| Cost of funding earning assets | 1.0275% | 6,012 |
| Net interest margin | 3.7511% | 4,126 |
| Noninterest income to average assets | 0.5563% | 3,657 |
| Noninterest expense to average assets | 8.1296% | 113 |
| Loan and lease loss provision to assets | 1.3333% | 1,018 |
| Net operating income to assets | -4.5679% | 7,670 |
| Return on assets (ROA) | -4.5606% | 7,674 |
| Pretax return on assets | -5.6272% | 7,709 |
| Return on Equity (ROE) | -40.0462% | 7,533 |
| Retained earnings to average equity (ytd only) | -40.0462% | 7,526 |
| Net charge-offs to loans | 0.7190% | 2,420 |
| Credit loss provision to net charge-offs | 241.1085% | 1,593 |
| Earnings coverage of net charge-offs (x) | -7.7814% | 6,309 |
| Efficiency ratio | 77.1634% | 2,867 |
| Assets per employee ($millions) | 5.0983% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6863% | 1,107 |
| Loan loss allowance to noncurrent loans | 59.8709% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 3.6211% | 1,935 |
| Noncurrent loans to loans | 4.4868% | 1,619 |
| Net loans and leases to total assets | 76.1699% | 1,465 |
| Net loans and leases to deposits | 89.7774% | 1,899 |
| Net loans and leases to core deposits | 96.4829% | 2,393 |
| Total domestic deposits to total assets | 84.8430% | 3,711 |
| Equity capital to assets | 9.9120% | 4,123 |
| Core capital (leverage) ratio | 8.1770% | 5,982 |
| Tier 1 risk-based capital ratio | 9.3288% | 7,325 |
| Total risk-based capital ratio | 10.5491% | 7,333 |
| Memoranda: | ||
| Average total assets | $3,536,841,670 | 218 |
| Average earning assets | $3,083,604,000 | 220 |
| Average equity | $402,784,330 | 209 |
| Average total loans | $2,720,239,670 | 189 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 5,973 |
| Cost of funding earning assets | 1.0614% | 6,082 |
| Net interest margin | 3.7168% | 4,160 |
| Noninterest income to average assets | 0.6319% | 3,068 |
| Noninterest expense to average assets | 2.9360% | 3,927 |
| Loan and lease loss provision to assets | 1.0812% | 1,139 |
| Net operating income to assets | -0.0139% | 6,322 |
| Return on assets (ROA) | -0.0139% | 6,417 |
| Pretax return on assets | -0.1607% | 6,517 |
| Return on Equity (ROE) | -0.1143% | 6,422 |
| Retained earnings to average equity (ytd only) | -0.1143% | 5,862 |
| Net charge-offs to loans | 0.9249% | 1,734 |
| Credit loss provision to net charge-offs | 153.3301% | 2,338 |
| Earnings coverage of net charge-offs (x) | 1.3054% | 3,968 |
| Efficiency ratio | 73.4412% | 3,682 |
| Assets per employee ($millions) | 4.8795% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3463% | 1,503 |
| Loan loss allowance to noncurrent loans | 73.5261% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 2.5446% | 2,855 |
| Noncurrent loans to loans | 3.1911% | 2,502 |
| Net loans and leases to total assets | 74.6707% | 1,812 |
| Net loans and leases to deposits | 89.5964% | 1,966 |
| Net loans and leases to core deposits | 96.7851% | 2,489 |
| Total domestic deposits to total assets | 83.3411% | 4,458 |
| Equity capital to assets | 12.1978% | 1,935 |
| Core capital (leverage) ratio | 8.7556% | 4,932 |
| Tier 1 risk-based capital ratio | 9.6877% | 7,217 |
| Total risk-based capital ratio | 10.9025% | 7,221 |
| Memoranda: | ||
| Average total assets | $3,551,451,000 | 222 |
| Average earning assets | $3,081,261,000 | 226 |
| Average equity | $430,339,500 | 201 |
| Average total loans | $2,707,607,500 | 198 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 6,881 |
| Cost of funding earning assets | 1.4852% | 5,571 |
| Net interest margin | 3.3462% | 5,565 |
| Noninterest income to average assets | 0.6684% | 3,167 |
| Noninterest expense to average assets | 2.9020% | 4,523 |
| Loan and lease loss provision to assets | 1.3018% | 1,775 |
| Net operating income to assets | -0.2737% | 5,934 |
| Return on assets (ROA) | -0.4004% | 6,069 |
| Pretax return on assets | -0.8160% | 6,275 |
| Return on Equity (ROE) | -3.3115% | 6,027 |
| Retained earnings to average equity (ytd only) | -4.2949% | 5,915 |
| Net charge-offs to loans | 0.8806% | 2,634 |
| Credit loss provision to net charge-offs | 194.2636% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1.0203% | 5,094 |
| Efficiency ratio | 77.4687% | 3,274 |
| Assets per employee ($millions) | 4.8706% | 2,380 |
| Cash dividends to net income (ytd only)* | -29.6962% | 7,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2061% | 1,645 |
| Loan loss allowance to noncurrent loans | 62.5370% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 2.9481% | 2,378 |
| Noncurrent loans to loans | 3.5276% | 2,154 |
| Net loans and leases to total assets | 74.3402% | 2,183 |
| Net loans and leases to deposits | 90.8593% | 2,073 |
| Net loans and leases to core deposits | 104.1185% | 3,562 |
| Total domestic deposits to total assets | 81.8190% | 5,024 |
| Equity capital to assets | 12.0378% | 2,014 |
| Core capital (leverage) ratio | 8.5404% | 5,217 |
| Tier 1 risk-based capital ratio | 9.5616% | 7,190 |
| Total risk-based capital ratio | 10.7740% | 7,185 |
| Memoranda: | ||
| Average total assets | $3,584,831,200 | 221 |
| Average earning assets | $3,125,367,000 | 223 |
| Average equity | $433,393,800 | 199 |
| Average total loans | $2,727,845,200 | 204 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 7,086 |
| Cost of funding earning assets | 1.6032% | 5,384 |
| Net interest margin | 3.2151% | 5,964 |
| Noninterest income to average assets | 0.6727% | 3,201 |
| Noninterest expense to average assets | 2.9098% | 4,417 |
| Loan and lease loss provision to assets | 1.0105% | 1,899 |
| Net operating income to assets | -0.1615% | 6,001 |
| Return on assets (ROA) | -0.3220% | 6,244 |
| Pretax return on assets | -0.6927% | 6,477 |
| Return on Equity (ROE) | -2.6604% | 6,188 |
| Retained earnings to average equity (ytd only) | -3.6665% | 6,056 |
| Net charge-offs to loans | 0.8999% | 2,166 |
| Credit loss provision to net charge-offs | 147.5229% | 3,283 |
| Earnings coverage of net charge-offs (x) | 0.8301% | 5,221 |
| Efficiency ratio | 79.8808% | 2,864 |
| Assets per employee ($millions) | 4.7160% | 2,530 |
| Cash dividends to net income (ytd only)* | -37.8160% | 7,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 2,636 |
| Loan loss allowance to noncurrent loans | 54.5824% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.6559% | 2,619 |
| Noncurrent loans to loans | 3.1146% | 2,421 |
| Net loans and leases to total assets | 75.2093% | 2,188 |
| Net loans and leases to deposits | 90.4058% | 2,501 |
| Net loans and leases to core deposits | 103.7388% | 3,972 |
| Total domestic deposits to total assets | 83.1908% | 4,126 |
| Equity capital to assets | 12.3373% | 2,041 |
| Core capital (leverage) ratio | 8.7348% | 5,073 |
| Tier 1 risk-based capital ratio | 9.6947% | 7,242 |
| Total risk-based capital ratio | 10.9005% | 7,237 |
| Memoranda: | ||
| Average total assets | $3,587,278,500 | 231 |
| Average earning assets | $3,130,546,250 | 233 |
| Average equity | $434,153,250 | 203 |
| Average total loans | $2,730,394,750 | 213 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7807% | 7,261 |
| Cost of funding earning assets | 1.7345% | 5,093 |
| Net interest margin | 3.0462% | 6,415 |
| Noninterest income to average assets | 0.6515% | 3,337 |
| Noninterest expense to average assets | 2.8549% | 4,712 |
| Loan and lease loss provision to assets | 0.6079% | 2,621 |
| Net operating income to assets | 0.0158% | 5,791 |
| Return on assets (ROA) | -0.1554% | 6,138 |
| Pretax return on assets | -0.4172% | 6,342 |
| Return on Equity (ROE) | -1.2922% | 6,120 |
| Retained earnings to average equity (ytd only) | -2.3240% | 5,816 |
| Net charge-offs to loans | 0.2881% | 3,753 |
| Credit loss provision to net charge-offs | 277.7073% | 1,684 |
| Earnings coverage of net charge-offs (x) | 2.0933% | 4,029 |
| Efficiency ratio | 82.2226% | 2,699 |
| Assets per employee ($millions) | 4.7177% | 2,442 |
| Cash dividends to net income (ytd only)* | -79.8499% | 8,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 2,655 |
| Loan loss allowance to noncurrent loans | 69.8022% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.0834% | 3,079 |
| Noncurrent loans to loans | 2.3222% | 3,115 |
| Net loans and leases to total assets | 75.6131% | 2,283 |
| Net loans and leases to deposits | 93.1153% | 2,250 |
| Net loans and leases to core deposits | 107.9397% | 3,618 |
| Total domestic deposits to total assets | 81.2037% | 4,997 |
| Equity capital to assets | 12.2501% | 2,055 |
| Core capital (leverage) ratio | 8.8355% | 4,888 |
| Tier 1 risk-based capital ratio | 9.8567% | 7,080 |
| Total risk-based capital ratio | 11.0633% | 7,064 |
| Memoranda: | ||
| Average total assets | $3,602,467,330 | 236 |
| Average earning assets | $3,147,644,670 | 239 |
| Average equity | $433,220,000 | 208 |
| Average total loans | $2,737,271,670 | 219 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 7,462 |
| Cost of funding earning assets | 1.8203% | 5,024 |
| Net interest margin | 2.9078% | 6,727 |
| Noninterest income to average assets | 0.6123% | 3,457 |
| Noninterest expense to average assets | 2.6288% | 5,327 |
| Loan and lease loss provision to assets | 0.4414% | 2,720 |
| Net operating income to assets | 0.1541% | 5,807 |
| Return on assets (ROA) | 0.1242% | 6,070 |
| Pretax return on assets | 0.0529% | 6,273 |
| Return on Equity (ROE) | 1.0427% | 6,114 |
| Retained earnings to average equity (ytd only) | -0.0157% | 5,651 |
| Net charge-offs to loans | 0.2779% | 3,007 |
| Credit loss provision to net charge-offs | 210.1944% | 2,136 |
| Earnings coverage of net charge-offs (x) | 2.4961% | 3,497 |
| Efficiency ratio | 79.2574% | 2,953 |
| Assets per employee ($millions) | 4.9546% | 2,114 |
| Cash dividends to net income (ytd only)* | 101.5098% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 3,293 |
| Loan loss allowance to noncurrent loans | 73.7581% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.7694% | 3,266 |
| Noncurrent loans to loans | 1.9513% | 3,340 |
| Net loans and leases to total assets | 74.3067% | 2,679 |
| Net loans and leases to deposits | 88.9296% | 3,119 |
| Net loans and leases to core deposits | 102.9954% | 4,242 |
| Total domestic deposits to total assets | 83.5568% | 3,897 |
| Equity capital to assets | 11.9036% | 2,320 |
| Core capital (leverage) ratio | 8.7595% | 5,048 |
| Tier 1 risk-based capital ratio | 9.6982% | 7,258 |
| Total risk-based capital ratio | 10.9031% | 7,219 |
| Memoranda: | ||
| Average total assets | $3,625,135,500 | 238 |
| Average earning assets | $3,167,355,500 | 240 |
| Average equity | $431,953,500 | 210 |
| Average total loans | $2,738,921,500 | 220 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7796% | 6,503 |
| Cost of funding earning assets | 2.2922% | 5,191 |
| Net interest margin | 3.4874% | 5,338 |
| Noninterest income to average assets | 0.9560% | 1,741 |
| Noninterest expense to average assets | 2.7216% | 5,169 |
| Loan and lease loss provision to assets | 0.5828% | 2,492 |
| Net operating income to assets | 0.5377% | 4,589 |
| Return on assets (ROA) | 0.5387% | 4,431 |
| Pretax return on assets | 0.7237% | 4,319 |
| Return on Equity (ROE) | 4.2873% | 4,689 |
| Retained earnings to average equity (ytd only) | 1.7985% | 4,120 |
| Net charge-offs to loans | 0.3698% | 2,993 |
| Credit loss provision to net charge-offs | 206.3345% | 2,349 |
| Earnings coverage of net charge-offs (x) | 4.6207% | 3,917 |
| Efficiency ratio | 64.1808% | 5,521 |
| Assets per employee ($millions) | 5.0468% | 1,908 |
| Cash dividends to net income (ytd only)* | 58.0493% | 2,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 3,413 |
| Loan loss allowance to noncurrent loans | 79.6911% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.3480% | 3,517 |
| Noncurrent loans to loans | 1.7088% | 3,207 |
| Net loans and leases to total assets | 74.6850% | 2,946 |
| Net loans and leases to deposits | 92.8401% | 2,986 |
| Net loans and leases to core deposits | 106.2620% | 4,165 |
| Total domestic deposits to total assets | 80.4448% | 4,853 |
| Equity capital to assets | 11.9275% | 2,338 |
| Core capital (leverage) ratio | 9.0622% | 4,650 |
| Tier 1 risk-based capital ratio | 9.6066% | 7,203 |
| Total risk-based capital ratio | 10.7630% | 7,216 |
| Memoranda: | ||
| Average total assets | $3,431,680,200 | 235 |
| Average earning assets | $3,021,568,800 | 238 |
| Average equity | $431,181,800 | 211 |
| Average total loans | $2,620,839,800 | 221 |