Home > United Bank > Performance and Condition Ratios
United Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 3,356 |
| Cost of funding earning assets | 1.5082% | 399 |
| Net interest margin | 2.8915% | 4,767 |
| Noninterest income to average assets | 0.4752% | 2,877 |
| Noninterest expense to average assets | 2.0117% | 4,528 |
| Loan and lease loss provision to assets | 0.1196% | 1,639 |
| Net operating income to assets | 0.8198% | 3,605 |
| Return on assets (ROA) | 0.8354% | 3,643 |
| Pretax return on assets | 0.9922% | 3,618 |
| Return on Equity (ROE) | 8.0199% | 3,300 |
| Retained earnings to average equity (ytd only) | 2.7589% | 3,988 |
| Net charge-offs to loans | 0.1027% | 1,443 |
| Credit loss provision to net charge-offs | 147.6673% | 1,657 |
| Earnings coverage of net charge-offs (x) | 13.4929% | 2,289 |
| Efficiency ratio | 64.0959% | 2,993 |
| Assets per employee ($millions) | 9.8280% | 369 |
| Cash dividends to net income (ytd only)* | 65.5992% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 3,857 |
| Loan loss allowance to noncurrent loans | 157.5444% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 2,575 |
| Noncurrent loans to loans | 0.5981% | 2,488 |
| Net loans and leases to total assets | 78.6504% | 1,039 |
| Net loans and leases to deposits | 99.3554% | 695 |
| Net loans and leases to core deposits | 121.4063% | 489 |
| Total domestic deposits to total assets | 79.1607% | 4,150 |
| Equity capital to assets | 10.7911% | 3,303 |
| Core capital (leverage) ratio | 9.1840% | 4,492 |
| Tier 1 risk-based capital ratio | 11.0275% | 4,898 |
| Total risk-based capital ratio | 11.9744% | 4,924 |
| Memoranda: | ||
| Average total assets | $7,301,165,250 | 172 |
| Average earning assets | $6,640,258,750 | 170 |
| Average equity | $760,527,000 | 193 |
| Average total loans | $5,759,015,000 | 162 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 3,369 |
| Cost of funding earning assets | 1.5031% | 381 |
| Net interest margin | 2.8843% | 4,839 |
| Noninterest income to average assets | 0.4639% | 2,888 |
| Noninterest expense to average assets | 2.0490% | 4,519 |
| Loan and lease loss provision to assets | 0.1230% | 1,518 |
| Net operating income to assets | 0.7669% | 3,764 |
| Return on assets (ROA) | 0.7879% | 3,754 |
| Pretax return on assets | 0.9433% | 3,727 |
| Return on Equity (ROE) | 7.6536% | 3,435 |
| Retained earnings to average equity (ytd only) | 1.8306% | 4,168 |
| Net charge-offs to loans | 0.1019% | 1,365 |
| Credit loss provision to net charge-offs | 153.3628% | 1,463 |
| Earnings coverage of net charge-offs (x) | 12.9810% | 2,128 |
| Efficiency ratio | 65.5922% | 2,873 |
| Assets per employee ($millions) | 9.5716% | 387 |
| Cash dividends to net income (ytd only)* | 76.0824% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 4,029 |
| Loan loss allowance to noncurrent loans | 148.7281% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 2,535 |
| Noncurrent loans to loans | 0.6154% | 2,418 |
| Net loans and leases to total assets | 78.4524% | 1,139 |
| Net loans and leases to deposits | 99.8264% | 694 |
| Net loans and leases to core deposits | 124.6377% | 415 |
| Total domestic deposits to total assets | 78.5888% | 4,301 |
| Equity capital to assets | 10.4103% | 3,597 |
| Core capital (leverage) ratio | 8.9934% | 4,631 |
| Tier 1 risk-based capital ratio | 10.6719% | 5,043 |
| Total risk-based capital ratio | 11.5960% | 5,073 |
| Memoranda: | ||
| Average total assets | $7,340,134,330 | 172 |
| Average earning assets | $6,683,738,670 | 169 |
| Average equity | $755,615,330 | 194 |
| Average total loans | $5,777,286,000 | 162 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3696% | 3,342 |
| Cost of funding earning assets | 1.4953% | 330 |
| Net interest margin | 2.8743% | 4,909 |
| Noninterest income to average assets | 0.4596% | 2,798 |
| Noninterest expense to average assets | 2.0624% | 4,526 |
| Loan and lease loss provision to assets | 0.1113% | 1,593 |
| Net operating income to assets | 0.7685% | 3,717 |
| Return on assets (ROA) | 0.8047% | 3,644 |
| Pretax return on assets | 0.9536% | 3,604 |
| Return on Equity (ROE) | 7.8616% | 3,324 |
| Retained earnings to average equity (ytd only) | 0.4078% | 4,455 |
| Net charge-offs to loans | 0.1138% | 1,052 |
| Credit loss provision to net charge-offs | 124.7253% | 1,393 |
| Earnings coverage of net charge-offs (x) | 11.4463% | 1,909 |
| Efficiency ratio | 66.1277% | 2,926 |
| Assets per employee ($millions) | 9.6340% | 382 |
| Cash dividends to net income (ytd only)* | 94.8124% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 4,145 |
| Loan loss allowance to noncurrent loans | 150.1212% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 2,658 |
| Noncurrent loans to loans | 0.6012% | 2,534 |
| Net loans and leases to total assets | 77.9357% | 1,165 |
| Net loans and leases to deposits | 100.2134% | 617 |
| Net loans and leases to core deposits | 125.4777% | 391 |
| Total domestic deposits to total assets | 77.7697% | 4,553 |
| Equity capital to assets | 10.2809% | 3,541 |
| Core capital (leverage) ratio | 8.7703% | 4,814 |
| Tier 1 risk-based capital ratio | 10.7773% | 5,077 |
| Total risk-based capital ratio | 11.6998% | 5,106 |
| Memoranda: | ||
| Average total assets | $7,339,504,500 | 174 |
| Average earning assets | $6,702,003,500 | 170 |
| Average equity | $751,293,500 | 194 |
| Average total loans | $5,759,575,500 | 163 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,587 |
| Cost of funding earning assets | 1.1651% | 389 |
| Net interest margin | 2.9840% | 4,817 |
| Noninterest income to average assets | 0.5319% | 2,647 |
| Noninterest expense to average assets | 2.1496% | 4,449 |
| Loan and lease loss provision to assets | 0.1241% | 1,778 |
| Net operating income to assets | 0.9350% | 3,308 |
| Return on assets (ROA) | 0.9360% | 3,294 |
| Pretax return on assets | 0.9928% | 3,628 |
| Return on Equity (ROE) | 9.2589% | 2,851 |
| Retained earnings to average equity (ytd only) | 7.0547% | 1,650 |
| Net charge-offs to loans | 0.0784% | 2,007 |
| Credit loss provision to net charge-offs | 203.6555% | 1,413 |
| Earnings coverage of net charge-offs (x) | 18.3121% | 2,140 |
| Efficiency ratio | 65.2555% | 2,995 |
| Assets per employee ($millions) | 9.5422% | 394 |
| Cash dividends to net income (ytd only)* | 23.8058% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 4,173 |
| Loan loss allowance to noncurrent loans | 145.5396% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 2,586 |
| Noncurrent loans to loans | 0.6167% | 2,435 |
| Net loans and leases to total assets | 77.5993% | 1,339 |
| Net loans and leases to deposits | 100.1105% | 738 |
| Net loans and leases to core deposits | 126.2312% | 392 |
| Total domestic deposits to total assets | 77.5137% | 4,558 |
| Equity capital to assets | 10.1918% | 3,479 |
| Core capital (leverage) ratio | 8.9937% | 4,661 |
| Tier 1 risk-based capital ratio | 10.9457% | 5,000 |
| Total risk-based capital ratio | 11.8657% | 5,033 |
| Memoranda: | ||
| Average total assets | $7,183,809,400 | 175 |
| Average earning assets | $6,580,587,800 | 171 |
| Average equity | $726,263,800 | 190 |
| Average total loans | $5,581,127,400 | 164 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 3,658 |
| Cost of funding earning assets | 1.1012% | 400 |
| Net interest margin | 2.9919% | 4,859 |
| Noninterest income to average assets | 0.5274% | 2,697 |
| Noninterest expense to average assets | 2.0850% | 4,584 |
| Loan and lease loss provision to assets | 0.1175% | 1,726 |
| Net operating income to assets | 0.9878% | 3,140 |
| Return on assets (ROA) | 0.9903% | 3,134 |
| Pretax return on assets | 1.0675% | 3,512 |
| Return on Equity (ROE) | 9.8156% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.8552% | 2,204 |
| Net charge-offs to loans | 0.0839% | 1,678 |
| Credit loss provision to net charge-offs | 180.6081% | 1,494 |
| Earnings coverage of net charge-offs (x) | 18.1716% | 2,063 |
| Efficiency ratio | 63.2807% | 3,294 |
| Assets per employee ($millions) | 8.9079% | 458 |
| Cash dividends to net income (ytd only)* | 30.1597% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 4,322 |
| Loan loss allowance to noncurrent loans | 161.1683% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 2,878 |
| Noncurrent loans to loans | 0.5497% | 2,735 |
| Net loans and leases to total assets | 77.5680% | 1,403 |
| Net loans and leases to deposits | 100.7731% | 720 |
| Net loans and leases to core deposits | 127.1973% | 390 |
| Total domestic deposits to total assets | 76.9729% | 4,648 |
| Equity capital to assets | 10.2125% | 3,438 |
| Core capital (leverage) ratio | 8.9444% | 4,753 |
| Tier 1 risk-based capital ratio | 11.0723% | 5,000 |
| Total risk-based capital ratio | 11.9795% | 5,059 |
| Memoranda: | ||
| Average total assets | $7,142,884,250 | 175 |
| Average earning assets | $6,541,521,750 | 171 |
| Average equity | $720,619,750 | 189 |
| Average total loans | $5,538,095,500 | 160 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 3,779 |
| Cost of funding earning assets | 1.0261% | 418 |
| Net interest margin | 2.9765% | 4,909 |
| Noninterest income to average assets | 0.5257% | 2,719 |
| Noninterest expense to average assets | 2.0768% | 4,660 |
| Loan and lease loss provision to assets | 0.1204% | 1,638 |
| Net operating income to assets | 0.9758% | 3,120 |
| Return on assets (ROA) | 0.9804% | 3,113 |
| Pretax return on assets | 1.0602% | 3,475 |
| Return on Equity (ROE) | 9.7582% | 2,684 |
| Retained earnings to average equity (ytd only) | 5.2877% | 2,938 |
| Net charge-offs to loans | 0.0808% | 1,521 |
| Credit loss provision to net charge-offs | 192.7640% | 1,338 |
| Earnings coverage of net charge-offs (x) | 18.8229% | 1,879 |
| Efficiency ratio | 63.2989% | 3,415 |
| Assets per employee ($millions) | 8.9528% | 456 |
| Cash dividends to net income (ytd only)* | 45.8125% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,414 |
| Loan loss allowance to noncurrent loans | 152.1509% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 2,866 |
| Noncurrent loans to loans | 0.5794% | 2,685 |
| Net loans and leases to total assets | 76.7926% | 1,511 |
| Net loans and leases to deposits | 101.5181% | 695 |
| Net loans and leases to core deposits | 117.3457% | 661 |
| Total domestic deposits to total assets | 75.6442% | 4,887 |
| Equity capital to assets | 10.0069% | 3,611 |
| Core capital (leverage) ratio | 8.8003% | 4,882 |
| Tier 1 risk-based capital ratio | 10.8400% | 5,135 |
| Total risk-based capital ratio | 11.7414% | 5,172 |
| Memoranda: | ||
| Average total assets | $7,124,646,670 | 173 |
| Average earning assets | $6,526,925,670 | 171 |
| Average equity | $715,808,670 | 189 |
| Average total loans | $5,506,480,670 | 160 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 3,914 |
| Cost of funding earning assets | 0.9693% | 430 |
| Net interest margin | 2.9367% | 4,977 |
| Noninterest income to average assets | 0.5450% | 2,547 |
| Noninterest expense to average assets | 2.0270% | 4,799 |
| Loan and lease loss provision to assets | 0.1094% | 1,709 |
| Net operating income to assets | 0.9916% | 2,882 |
| Return on assets (ROA) | 0.9963% | 2,891 |
| Pretax return on assets | 1.1067% | 3,148 |
| Return on Equity (ROE) | 9.8963% | 2,490 |
| Retained earnings to average equity (ytd only) | 5.4117% | 2,989 |
| Net charge-offs to loans | 0.0821% | 1,313 |
| Credit loss provision to net charge-offs | 172.6625% | 1,147 |
| Earnings coverage of net charge-offs (x) | 19.1077% | 1,514 |
| Efficiency ratio | 62.0144% | 3,779 |
| Assets per employee ($millions) | 9.0208% | 436 |
| Cash dividends to net income (ytd only)* | 45.3155% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,548 |
| Loan loss allowance to noncurrent loans | 142.5151% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 2,863 |
| Noncurrent loans to loans | 0.6150% | 2,699 |
| Net loans and leases to total assets | 76.7196% | 1,423 |
| Net loans and leases to deposits | 101.8473% | 585 |
| Net loans and leases to core deposits | 120.0149% | 588 |
| Total domestic deposits to total assets | 75.3281% | 5,038 |
| Equity capital to assets | 10.1045% | 3,496 |
| Core capital (leverage) ratio | 8.7056% | 4,985 |
| Tier 1 risk-based capital ratio | 10.8142% | 5,242 |
| Total risk-based capital ratio | 11.7036% | 5,280 |
| Memoranda: | ||
| Average total assets | $7,087,957,500 | 173 |
| Average earning assets | $6,499,844,500 | 172 |
| Average equity | $713,562,000 | 190 |
| Average total loans | $5,471,365,000 | 162 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7652% | 4,167 |
| Cost of funding earning assets | 0.7530% | 811 |
| Net interest margin | 3.0122% | 4,856 |
| Noninterest income to average assets | 0.5101% | 2,937 |
| Noninterest expense to average assets | 2.0243% | 4,921 |
| Loan and lease loss provision to assets | 0.1373% | 1,666 |
| Net operating income to assets | 0.8761% | 2,832 |
| Return on assets (ROA) | 0.8756% | 2,861 |
| Pretax return on assets | 1.1099% | 3,144 |
| Return on Equity (ROE) | 8.5523% | 2,516 |
| Retained earnings to average equity (ytd only) | 3.9838% | 2,806 |
| Net charge-offs to loans | 0.0978% | 2,102 |
| Credit loss provision to net charge-offs | 184.4161% | 1,475 |
| Earnings coverage of net charge-offs (x) | 16.7588% | 2,158 |
| Efficiency ratio | 61.2363% | 4,067 |
| Assets per employee ($millions) | 9.1894% | 425 |
| Cash dividends to net income (ytd only)* | 53.4179% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,633 |
| Loan loss allowance to noncurrent loans | 137.1829% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 2,877 |
| Noncurrent loans to loans | 0.6270% | 2,649 |
| Net loans and leases to total assets | 76.3261% | 1,535 |
| Net loans and leases to deposits | 103.7048% | 505 |
| Net loans and leases to core deposits | 121.8680% | 528 |
| Total domestic deposits to total assets | 73.5994% | 5,217 |
| Equity capital to assets | 10.0302% | 3,674 |
| Core capital (leverage) ratio | 8.6795% | 4,968 |
| Tier 1 risk-based capital ratio | 10.7340% | 5,278 |
| Total risk-based capital ratio | 11.6212% | 5,333 |
| Memoranda: | ||
| Average total assets | $6,843,102,600 | 175 |
| Average earning assets | $6,274,484,400 | 171 |
| Average equity | $700,629,200 | 183 |
| Average total loans | $5,207,580,400 | 161 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 4,195 |
| Cost of funding earning assets | 0.7204% | 882 |
| Net interest margin | 3.0255% | 4,863 |
| Noninterest income to average assets | 0.5182% | 2,911 |
| Noninterest expense to average assets | 2.0009% | 4,951 |
| Loan and lease loss provision to assets | 0.1406% | 1,507 |
| Net operating income to assets | 0.9746% | 2,663 |
| Return on assets (ROA) | 0.9727% | 2,730 |
| Pretax return on assets | 1.1481% | 3,125 |
| Return on Equity (ROE) | 9.4500% | 2,382 |
| Retained earnings to average equity (ytd only) | 4.8619% | 2,979 |
| Net charge-offs to loans | 0.0928% | 1,862 |
| Credit loss provision to net charge-offs | 199.8322% | 1,350 |
| Earnings coverage of net charge-offs (x) | 18.3462% | 2,054 |
| Efficiency ratio | 60.1405% | 4,190 |
| Assets per employee ($millions) | 9.3557% | 381 |
| Cash dividends to net income (ytd only)* | 48.5515% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8726% | 4,683 |
| Loan loss allowance to noncurrent loans | 136.1362% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 3,014 |
| Noncurrent loans to loans | 0.6410% | 2,794 |
| Net loans and leases to total assets | 75.5754% | 1,666 |
| Net loans and leases to deposits | 101.4351% | 651 |
| Net loans and leases to core deposits | 117.5284% | 681 |
| Total domestic deposits to total assets | 74.5061% | 5,186 |
| Equity capital to assets | 10.2313% | 3,661 |
| Core capital (leverage) ratio | 8.8143% | 4,946 |
| Tier 1 risk-based capital ratio | 11.2073% | 5,128 |
| Total risk-based capital ratio | 12.1138% | 5,215 |
| Memoranda: | ||
| Average total assets | $6,775,727,500 | 176 |
| Average earning assets | $6,211,814,000 | 171 |
| Average equity | $697,434,250 | 183 |
| Average total loans | $5,140,507,250 | 165 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6979% | 4,235 |
| Cost of funding earning assets | 0.6739% | 1,026 |
| Net interest margin | 3.0239% | 4,857 |
| Noninterest income to average assets | 0.5309% | 2,827 |
| Noninterest expense to average assets | 2.0194% | 4,930 |
| Loan and lease loss provision to assets | 0.1365% | 1,520 |
| Net operating income to assets | 0.9732% | 2,556 |
| Return on assets (ROA) | 0.9664% | 2,633 |
| Pretax return on assets | 1.1384% | 3,014 |
| Return on Equity (ROE) | 9.3692% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.7463% | 2,887 |
| Net charge-offs to loans | 0.0911% | 1,701 |
| Credit loss provision to net charge-offs | 197.7547% | 1,283 |
| Earnings coverage of net charge-offs (x) | 18.5877% | 1,871 |
| Efficiency ratio | 60.4850% | 4,247 |
| Assets per employee ($millions) | 9.4009% | 362 |
| Cash dividends to net income (ytd only)* | 49.3416% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 4,783 |
| Loan loss allowance to noncurrent loans | 118.7498% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 2,844 |
| Noncurrent loans to loans | 0.7258% | 2,575 |
| Net loans and leases to total assets | 75.5235% | 1,609 |
| Net loans and leases to deposits | 102.8648% | 558 |
| Net loans and leases to core deposits | 120.5526% | 537 |
| Total domestic deposits to total assets | 73.4201% | 5,341 |
| Equity capital to assets | 10.2485% | 3,614 |
| Core capital (leverage) ratio | 8.9141% | 4,821 |
| Tier 1 risk-based capital ratio | 11.0774% | 5,208 |
| Total risk-based capital ratio | 11.9536% | 5,310 |
| Memoranda: | ||
| Average total assets | $6,710,983,000 | 177 |
| Average earning assets | $6,150,686,670 | 171 |
| Average equity | $692,207,000 | 183 |
| Average total loans | $5,082,695,330 | 165 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6276% | 4,342 |
| Cost of funding earning assets | 0.6370% | 1,148 |
| Net interest margin | 2.9907% | 4,907 |
| Noninterest income to average assets | 0.4834% | 3,083 |
| Noninterest expense to average assets | 2.0304% | 4,978 |
| Loan and lease loss provision to assets | 0.1379% | 1,379 |
| Net operating income to assets | 0.8987% | 2,769 |
| Return on assets (ROA) | 0.8800% | 2,912 |
| Pretax return on assets | 1.0344% | 3,216 |
| Return on Equity (ROE) | 8.5033% | 2,674 |
| Retained earnings to average equity (ytd only) | 3.8430% | 3,534 |
| Net charge-offs to loans | 0.1423% | 1,087 |
| Credit loss provision to net charge-offs | 128.3951% | 1,327 |
| Earnings coverage of net charge-offs (x) | 11.1178% | 1,906 |
| Efficiency ratio | 62.2430% | 4,116 |
| Assets per employee ($millions) | 9.6194% | 342 |
| Cash dividends to net income (ytd only)* | 54.8058% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 4,906 |
| Loan loss allowance to noncurrent loans | 112.7679% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5925% | 2,874 |
| Noncurrent loans to loans | 0.7613% | 2,577 |
| Net loans and leases to total assets | 74.8024% | 1,615 |
| Net loans and leases to deposits | 103.5923% | 418 |
| Net loans and leases to core deposits | 119.1747% | 483 |
| Total domestic deposits to total assets | 72.2084% | 5,530 |
| Equity capital to assets | 10.3406% | 3,363 |
| Core capital (leverage) ratio | 8.9760% | 4,767 |
| Tier 1 risk-based capital ratio | 11.3207% | 5,130 |
| Total risk-based capital ratio | 12.1986% | 5,255 |
| Memoranda: | ||
| Average total assets | $6,635,147,500 | 178 |
| Average earning assets | $6,082,099,500 | 172 |
| Average equity | $686,650,000 | 184 |
| Average total loans | $5,010,054,500 | 167 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 4,486 |
| Cost of funding earning assets | 0.6204% | 1,206 |
| Net interest margin | 2.9880% | 4,984 |
| Noninterest income to average assets | 0.4856% | 3,321 |
| Noninterest expense to average assets | 2.0590% | 5,080 |
| Loan and lease loss provision to assets | 0.2096% | 1,081 |
| Net operating income to assets | 0.8452% | 3,085 |
| Return on assets (ROA) | 0.8719% | 3,080 |
| Pretax return on assets | 0.9881% | 3,517 |
| Return on Equity (ROE) | 8.4793% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.4793% | 710 |
| Net charge-offs to loans | 0.0948% | 2,347 |
| Credit loss provision to net charge-offs | 296.8847% | 995 |
| Earnings coverage of net charge-offs (x) | 16.5334% | 2,099 |
| Efficiency ratio | 63.0402% | 4,096 |
| Assets per employee ($millions) | 9.1711% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,928 |
| Loan loss allowance to noncurrent loans | 109.0450% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 2,886 |
| Noncurrent loans to loans | 0.7888% | 2,544 |
| Net loans and leases to total assets | 74.9165% | 1,706 |
| Net loans and leases to deposits | 103.9972% | 431 |
| Net loans and leases to core deposits | 133.3847% | 246 |
| Total domestic deposits to total assets | 72.0370% | 5,559 |
| Equity capital to assets | 10.3569% | 3,320 |
| Core capital (leverage) ratio | 9.0423% | 4,686 |
| Tier 1 risk-based capital ratio | 11.2447% | 5,193 |
| Total risk-based capital ratio | 12.1134% | 5,303 |
| Memoranda: | ||
| Average total assets | $6,409,709,600 | 177 |
| Average earning assets | $5,879,482,800 | 172 |
| Average equity | $659,064,200 | 183 |
| Average total loans | $4,772,269,200 | 166 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6189% | 4,494 |
| Cost of funding earning assets | 0.6207% | 1,198 |
| Net interest margin | 2.9982% | 5,016 |
| Noninterest income to average assets | 0.4571% | 3,506 |
| Noninterest expense to average assets | 2.0780% | 5,046 |
| Loan and lease loss provision to assets | 0.2111% | 1,001 |
| Net operating income to assets | 0.8027% | 3,351 |
| Return on assets (ROA) | 0.8363% | 3,332 |
| Pretax return on assets | 0.9576% | 3,783 |
| Return on Equity (ROE) | 8.1488% | 2,933 |
| Retained earnings to average equity (ytd only) | 8.1488% | 1,113 |
| Net charge-offs to loans | 0.0815% | 2,156 |
| Credit loss provision to net charge-offs | 349.3241% | 930 |
| Earnings coverage of net charge-offs (x) | 18.7009% | 1,981 |
| Efficiency ratio | 63.9796% | 3,937 |
| Assets per employee ($millions) | 9.4002% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 5,026 |
| Loan loss allowance to noncurrent loans | 106.6902% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 3,046 |
| Noncurrent loans to loans | 0.7998% | 2,668 |
| Net loans and leases to total assets | 73.0629% | 2,014 |
| Net loans and leases to deposits | 100.7424% | 656 |
| Net loans and leases to core deposits | 127.9725% | 331 |
| Total domestic deposits to total assets | 72.5245% | 5,562 |
| Equity capital to assets | 10.3744% | 3,716 |
| Core capital (leverage) ratio | 8.8648% | 4,988 |
| Tier 1 risk-based capital ratio | 11.3975% | 5,154 |
| Total risk-based capital ratio | 12.2664% | 5,272 |
| Memoranda: | ||
| Average total assets | $6,365,928,500 | 177 |
| Average earning assets | $5,840,786,250 | 173 |
| Average equity | $653,334,000 | 185 |
| Average total loans | $4,721,356,000 | 166 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6356% | 4,488 |
| Cost of funding earning assets | 0.6233% | 1,173 |
| Net interest margin | 3.0123% | 5,053 |
| Noninterest income to average assets | 0.4227% | 3,715 |
| Noninterest expense to average assets | 2.1434% | 4,970 |
| Loan and lease loss provision to assets | 0.2001% | 1,074 |
| Net operating income to assets | 0.7177% | 3,708 |
| Return on assets (ROA) | 0.7667% | 3,613 |
| Pretax return on assets | 0.8994% | 3,956 |
| Return on Equity (ROE) | 7.4989% | 3,266 |
| Retained earnings to average equity (ytd only) | 7.4989% | 1,382 |
| Net charge-offs to loans | 0.0954% | 1,888 |
| Credit loss provision to net charge-offs | 282.0375% | 1,008 |
| Earnings coverage of net charge-offs (x) | 14.6877% | 2,049 |
| Efficiency ratio | 66.4617% | 3,606 |
| Assets per employee ($millions) | 9.2912% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7955% | 5,291 |
| Loan loss allowance to noncurrent loans | 89.2633% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 2,979 |
| Noncurrent loans to loans | 0.8911% | 2,506 |
| Net loans and leases to total assets | 73.9544% | 1,851 |
| Net loans and leases to deposits | 105.0133% | 405 |
| Net loans and leases to core deposits | 128.1585% | 331 |
| Total domestic deposits to total assets | 70.4239% | 5,761 |
| Equity capital to assets | 10.3217% | 3,829 |
| Core capital (leverage) ratio | 8.8027% | 5,055 |
| Tier 1 risk-based capital ratio | 10.6691% | 5,597 |
| Total risk-based capital ratio | 11.4396% | 5,731 |
| Memoranda: | ||
| Average total assets | $6,310,197,330 | 177 |
| Average earning assets | $5,786,986,000 | 174 |
| Average equity | $645,188,670 | 183 |
| Average total loans | $4,690,351,000 | 166 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7282% | 4,220 |
| Cost of funding earning assets | 0.6298% | 1,152 |
| Net interest margin | 3.0983% | 4,864 |
| Noninterest income to average assets | 0.3778% | 4,005 |
| Noninterest expense to average assets | 2.1156% | 5,090 |
| Loan and lease loss provision to assets | 0.1716% | 1,196 |
| Net operating income to assets | 0.7811% | 3,349 |
| Return on assets (ROA) | 0.8589% | 3,067 |
| Pretax return on assets | 1.0262% | 3,382 |
| Return on Equity (ROE) | 8.4417% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.4417% | 1,283 |
| Net charge-offs to loans | 0.0925% | 1,587 |
| Credit loss provision to net charge-offs | 250.0465% | 939 |
| Earnings coverage of net charge-offs (x) | 16.1005% | 1,638 |
| Efficiency ratio | 64.8282% | 4,000 |
| Assets per employee ($millions) | 8.9557% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7607% | 5,464 |
| Loan loss allowance to noncurrent loans | 86.8034% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 3,082 |
| Noncurrent loans to loans | 0.8764% | 2,658 |
| Net loans and leases to total assets | 73.4513% | 1,815 |
| Net loans and leases to deposits | 100.8870% | 569 |
| Net loans and leases to core deposits | 122.3673% | 403 |
| Total domestic deposits to total assets | 72.8055% | 5,723 |
| Equity capital to assets | 10.2182% | 3,827 |
| Core capital (leverage) ratio | 8.6427% | 5,245 |
| Tier 1 risk-based capital ratio | 10.6142% | 5,704 |
| Total risk-based capital ratio | 11.3457% | 5,825 |
| Memoranda: | ||
| Average total assets | $6,264,488,500 | 178 |
| Average earning assets | $5,748,141,000 | 175 |
| Average equity | $637,406,000 | 185 |
| Average total loans | $4,649,406,500 | 168 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 4,280 |
| Cost of funding earning assets | 0.5163% | 2,023 |
| Net interest margin | 3.2131% | 4,584 |
| Noninterest income to average assets | 0.5734% | 2,876 |
| Noninterest expense to average assets | 2.1799% | 5,089 |
| Loan and lease loss provision to assets | 0.2262% | 897 |
| Net operating income to assets | 0.9497% | 2,612 |
| Return on assets (ROA) | 0.9637% | 2,630 |
| Pretax return on assets | 1.1259% | 2,938 |
| Return on Equity (ROE) | 8.7715% | 2,585 |
| Retained earnings to average equity (ytd only) | 3.8778% | 3,275 |
| Net charge-offs to loans | 0.0944% | 2,482 |
| Credit loss provision to net charge-offs | 331.1688% | 910 |
| Earnings coverage of net charge-offs (x) | 19.5554% | 1,936 |
| Efficiency ratio | 61.1174% | 4,746 |
| Assets per employee ($millions) | 8.9299% | 394 |
| Cash dividends to net income (ytd only)* | 55.7910% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7315% | 5,577 |
| Loan loss allowance to noncurrent loans | 81.7638% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 3,011 |
| Noncurrent loans to loans | 0.8947% | 2,553 |
| Net loans and leases to total assets | 73.8807% | 1,754 |
| Net loans and leases to deposits | 102.6364% | 507 |
| Net loans and leases to core deposits | 123.5883% | 387 |
| Total domestic deposits to total assets | 71.9830% | 5,800 |
| Equity capital to assets | 10.1311% | 3,828 |
| Core capital (leverage) ratio | 8.9215% | 4,980 |
| Tier 1 risk-based capital ratio | 10.5114% | 5,771 |
| Total risk-based capital ratio | 11.2174% | 5,908 |
| Memoranda: | ||
| Average total assets | $5,749,181,000 | 180 |
| Average earning assets | $5,264,655,200 | 176 |
| Average equity | $631,650,400 | 180 |
| Average total loans | $4,161,288,400 | 173 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 4,100 |
| Cost of funding earning assets | 0.4997% | 2,211 |
| Net interest margin | 3.2958% | 4,364 |
| Noninterest income to average assets | 0.5733% | 2,892 |
| Noninterest expense to average assets | 2.1477% | 5,176 |
| Loan and lease loss provision to assets | 0.2185% | 873 |
| Net operating income to assets | 1.0278% | 2,341 |
| Return on assets (ROA) | 1.0405% | 2,366 |
| Pretax return on assets | 1.2374% | 2,665 |
| Return on Equity (ROE) | 9.2706% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.2706% | 805 |
| Net charge-offs to loans | 0.1056% | 2,076 |
| Credit loss provision to net charge-offs | 288.1012% | 997 |
| Earnings coverage of net charge-offs (x) | 19.0003% | 1,970 |
| Efficiency ratio | 58.9523% | 5,012 |
| Assets per employee ($millions) | 8.7537% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7287% | 5,663 |
| Loan loss allowance to noncurrent loans | 70.7675% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 3,024 |
| Noncurrent loans to loans | 1.0297% | 2,418 |
| Net loans and leases to total assets | 71.9383% | 2,067 |
| Net loans and leases to deposits | 97.5117% | 862 |
| Net loans and leases to core deposits | 113.8790% | 675 |
| Total domestic deposits to total assets | 73.7740% | 5,732 |
| Equity capital to assets | 11.1791% | 2,817 |
| Core capital (leverage) ratio | 9.6053% | 4,158 |
| Tier 1 risk-based capital ratio | 11.6811% | 5,278 |
| Total risk-based capital ratio | 12.3723% | 5,482 |
| Memoranda: | ||
| Average total assets | $5,630,434,000 | 182 |
| Average earning assets | $5,150,876,750 | 179 |
| Average equity | $631,919,250 | 182 |
| Average total loans | $4,043,523,500 | 177 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 3,998 |
| Cost of funding earning assets | 0.4903% | 2,349 |
| Net interest margin | 3.3267% | 4,185 |
| Noninterest income to average assets | 0.5676% | 2,925 |
| Noninterest expense to average assets | 2.1337% | 5,267 |
| Loan and lease loss provision to assets | 0.2148% | 891 |
| Net operating income to assets | 1.0269% | 2,249 |
| Return on assets (ROA) | 1.0474% | 2,259 |
| Pretax return on assets | 1.2847% | 2,419 |
| Return on Equity (ROE) | 9.3199% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.3199% | 826 |
| Net charge-offs to loans | 0.0968% | 2,045 |
| Credit loss provision to net charge-offs | 310.1246% | 913 |
| Earnings coverage of net charge-offs (x) | 21.2861% | 1,678 |
| Efficiency ratio | 58.2092% | 5,196 |
| Assets per employee ($millions) | 8.2873% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7027% | 5,814 |
| Loan loss allowance to noncurrent loans | 69.1360% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 3,166 |
| Noncurrent loans to loans | 1.0164% | 2,611 |
| Net loans and leases to total assets | 71.8271% | 2,016 |
| Net loans and leases to deposits | 96.1578% | 950 |
| Net loans and leases to core deposits | 112.4883% | 726 |
| Total domestic deposits to total assets | 74.6971% | 5,732 |
| Equity capital to assets | 11.2019% | 2,670 |
| Core capital (leverage) ratio | 9.7263% | 3,972 |
| Tier 1 risk-based capital ratio | 11.8970% | 5,218 |
| Total risk-based capital ratio | 12.5781% | 5,489 |
| Memoranda: | ||
| Average total assets | $5,561,010,670 | 182 |
| Average earning assets | $5,082,786,330 | 180 |
| Average equity | $624,987,000 | 183 |
| Average total loans | $3,980,999,330 | 179 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 3,850 |
| Cost of funding earning assets | 0.4618% | 2,659 |
| Net interest margin | 3.3810% | 3,913 |
| Noninterest income to average assets | 0.4870% | 3,378 |
| Noninterest expense to average assets | 2.1902% | 5,180 |
| Loan and lease loss provision to assets | 0.1098% | 1,876 |
| Net operating income to assets | 1.0157% | 2,191 |
| Return on assets (ROA) | 1.0353% | 2,247 |
| Pretax return on assets | 1.3001% | 2,284 |
| Return on Equity (ROE) | 9.1967% | 2,360 |
| Retained earnings to average equity (ytd only) | 9.1967% | 1,131 |
| Net charge-offs to loans | 0.1044% | 1,690 |
| Credit loss provision to net charge-offs | 147.7028% | 1,262 |
| Earnings coverage of net charge-offs (x) | 18.6305% | 1,480 |
| Efficiency ratio | 60.2773% | 5,058 |
| Assets per employee ($millions) | 8.1789% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6448% | 5,995 |
| Loan loss allowance to noncurrent loans | 60.2037% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 3,131 |
| Noncurrent loans to loans | 1.0711% | 2,621 |
| Net loans and leases to total assets | 70.4984% | 2,070 |
| Net loans and leases to deposits | 92.4833% | 1,135 |
| Net loans and leases to core deposits | 106.8238% | 887 |
| Total domestic deposits to total assets | 76.2282% | 5,710 |
| Equity capital to assets | 11.3656% | 2,584 |
| Core capital (leverage) ratio | 9.4783% | 4,314 |
| Tier 1 risk-based capital ratio | 11.6830% | 5,448 |
| Total risk-based capital ratio | 12.2631% | 5,735 |
| Memoranda: | ||
| Average total assets | $5,503,119,000 | 179 |
| Average earning assets | $5,026,959,500 | 176 |
| Average equity | $619,527,000 | 182 |
| Average total loans | $3,918,331,500 | 179 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1344% | 3,183 |
| Cost of funding earning assets | 0.4427% | 3,242 |
| Net interest margin | 3.6918% | 3,036 |
| Noninterest income to average assets | 0.4308% | 3,962 |
| Noninterest expense to average assets | 3.3869% | 1,726 |
| Loan and lease loss provision to assets | 0.2303% | 1,052 |
| Net operating income to assets | 0.2787% | 5,575 |
| Return on assets (ROA) | 0.3085% | 5,569 |
| Pretax return on assets | 0.2195% | 5,841 |
| Return on Equity (ROE) | 2.7133% | 5,569 |
| Retained earnings to average equity (ytd only) | -0.1318% | 5,793 |
| Net charge-offs to loans | 0.1300% | 2,716 |
| Credit loss provision to net charge-offs | 245.3747% | 1,036 |
| Earnings coverage of net charge-offs (x) | 4.4749% | 3,643 |
| Efficiency ratio | 88.1486% | 984 |
| Assets per employee ($millions) | 8.0195% | 533 |
| Cash dividends to net income (ytd only)* | 104.8593% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6339% | 6,094 |
| Loan loss allowance to noncurrent loans | 59.2185% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 3,194 |
| Noncurrent loans to loans | 1.0705% | 2,678 |
| Net loans and leases to total assets | 70.9974% | 2,075 |
| Net loans and leases to deposits | 94.7874% | 1,014 |
| Net loans and leases to core deposits | 110.8684% | 739 |
| Total domestic deposits to total assets | 74.9018% | 5,869 |
| Equity capital to assets | 11.1489% | 2,751 |
| Core capital (leverage) ratio | 9.2786% | 4,559 |
| Tier 1 risk-based capital ratio | 12.1542% | 5,259 |
| Total risk-based capital ratio | 12.8083% | 5,538 |
| Memoranda: | ||
| Average total assets | $4,122,800,400 | 215 |
| Average earning assets | $3,770,297,800 | 211 |
| Average equity | $468,728,200 | 209 |
| Average total loans | $2,977,427,600 | 201 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1459% | 3,188 |
| Cost of funding earning assets | 0.4431% | 3,334 |
| Net interest margin | 3.7028% | 3,013 |
| Noninterest income to average assets | 0.4746% | 3,718 |
| Noninterest expense to average assets | 3.3469% | 1,796 |
| Loan and lease loss provision to assets | 0.1819% | 1,347 |
| Net operating income to assets | 0.2941% | 5,602 |
| Return on assets (ROA) | 0.3340% | 5,548 |
| Pretax return on assets | 0.3795% | 5,623 |
| Return on Equity (ROE) | 2.9171% | 5,566 |
| Retained earnings to average equity (ytd only) | -1.1870% | 5,988 |
| Net charge-offs to loans | 0.0992% | 2,805 |
| Credit loss provision to net charge-offs | 252.8404% | 1,038 |
| Earnings coverage of net charge-offs (x) | 7.1724% | 2,964 |
| Efficiency ratio | 85.9099% | 1,190 |
| Assets per employee ($millions) | 7.3803% | 678 |
| Cash dividends to net income (ytd only)* | 140.6900% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5867% | 6,244 |
| Loan loss allowance to noncurrent loans | 76.1515% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 0.6012% | 4,044 |
| Noncurrent loans to loans | 0.7705% | 3,658 |
| Net loans and leases to total assets | 71.2177% | 1,986 |
| Net loans and leases to deposits | 91.4954% | 1,282 |
| Net loans and leases to core deposits | 106.3484% | 936 |
| Total domestic deposits to total assets | 77.8374% | 5,561 |
| Equity capital to assets | 11.5154% | 2,470 |
| Core capital (leverage) ratio | 9.5354% | 4,324 |
| Tier 1 risk-based capital ratio | 12.4947% | 5,172 |
| Total risk-based capital ratio | 13.0995% | 5,505 |
| Memoranda: | ||
| Average total assets | $3,784,168,500 | 223 |
| Average earning assets | $3,462,702,500 | 218 |
| Average equity | $433,245,250 | 224 |
| Average total loans | $2,743,391,500 | 210 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 3,639 |
| Cost of funding earning assets | 0.4423% | 3,417 |
| Net interest margin | 3.5817% | 3,438 |
| Noninterest income to average assets | 0.4901% | 3,552 |
| Noninterest expense to average assets | 3.6134% | 1,274 |
| Loan and lease loss provision to assets | 0.1544% | 1,599 |
| Net operating income to assets | -0.1071% | 6,262 |
| Return on assets (ROA) | -0.0736% | 6,256 |
| Pretax return on assets | 0.0598% | 6,136 |
| Return on Equity (ROE) | -0.6450% | 6,254 |
| Retained earnings to average equity (ytd only) | -7.7770% | 6,366 |
| Net charge-offs to loans | 0.0310% | 3,576 |
| Credit loss provision to net charge-offs | 683.7838% | 458 |
| Earnings coverage of net charge-offs (x) | 7.1676% | 2,672 |
| Efficiency ratio | 95.1934% | 594 |
| Assets per employee ($millions) | 7.0614% | 777 |
| Cash dividends to net income (ytd only)* | -1,105.8043% | 6,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5782% | 6,339 |
| Loan loss allowance to noncurrent loans | 60.4823% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 0.7466% | 3,727 |
| Noncurrent loans to loans | 0.9560% | 3,333 |
| Net loans and leases to total assets | 71.1932% | 1,887 |
| Net loans and leases to deposits | 91.2650% | 1,241 |
| Net loans and leases to core deposits | 106.3707% | 876 |
| Total domestic deposits to total assets | 78.0071% | 5,629 |
| Equity capital to assets | 11.7327% | 2,221 |
| Core capital (leverage) ratio | 11.7745% | 1,806 |
| Tier 1 risk-based capital ratio | 12.7032% | 5,083 |
| Total risk-based capital ratio | 13.3062% | 5,446 |
| Memoranda: | ||
| Average total assets | $3,276,736,670 | 247 |
| Average earning assets | $3,005,486,330 | 243 |
| Average equity | $373,973,000 | 243 |
| Average total loans | $2,390,707,670 | 230 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6190% | 5,110 |
| Cost of funding earning assets | 0.5134% | 2,772 |
| Net interest margin | 3.1057% | 5,230 |
| Noninterest income to average assets | 0.4418% | 3,849 |
| Noninterest expense to average assets | 2.8962% | 3,228 |
| Loan and lease loss provision to assets | 0.0770% | 2,602 |
| Net operating income to assets | 0.2450% | 5,679 |
| Return on assets (ROA) | 0.2762% | 5,626 |
| Pretax return on assets | 0.4077% | 5,429 |
| Return on Equity (ROE) | 2.4969% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.4969% | 4,575 |
| Net charge-offs to loans | 0.0306% | 2,974 |
| Credit loss provision to net charge-offs | 338.3459% | 732 |
| Earnings coverage of net charge-offs (x) | 19.2857% | 1,382 |
| Efficiency ratio | 86.8401% | 1,356 |
| Assets per employee ($millions) | 6.5561% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 5,090 |
| Loan loss allowance to noncurrent loans | 162.7170% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 4,276 |
| Noncurrent loans to loans | 0.6794% | 4,167 |
| Net loans and leases to total assets | 73.5010% | 1,348 |
| Net loans and leases to deposits | 95.1007% | 709 |
| Net loans and leases to core deposits | 109.5283% | 605 |
| Total domestic deposits to total assets | 77.2875% | 5,931 |
| Equity capital to assets | 10.9621% | 2,751 |
| Core capital (leverage) ratio | 11.3310% | 2,108 |
| Tier 1 risk-based capital ratio | 14.0558% | 4,295 |
| Total risk-based capital ratio | 15.1429% | 4,348 |
| Memoranda: | ||
| Average total assets | $2,337,711,500 | 321 |
| Average earning assets | $2,177,825,500 | 309 |
| Average equity | $258,560,500 | 316 |
| Average total loans | $1,740,461,500 | 287 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 4,536 |
| Cost of funding earning assets | 0.5236% | 3,364 |
| Net interest margin | 3.3565% | 4,457 |
| Noninterest income to average assets | 0.7120% | 2,469 |
| Noninterest expense to average assets | 2.5929% | 4,492 |
| Loan and lease loss provision to assets | 0.0951% | 3,220 |
| Net operating income to assets | 0.8240% | 3,165 |
| Return on assets (ROA) | 0.8436% | 3,149 |
| Pretax return on assets | 1.1675% | 2,700 |
| Return on Equity (ROE) | 7.1070% | 3,504 |
| Retained earnings to average equity (ytd only) | 2.7231% | 4,298 |
| Net charge-offs to loans | 0.0818% | 4,069 |
| Credit loss provision to net charge-offs | 152.6866% | 1,516 |
| Earnings coverage of net charge-offs (x) | 19.8388% | 1,584 |
| Efficiency ratio | 67.7296% | 4,250 |
| Assets per employee ($millions) | 6.7313% | 883 |
| Cash dividends to net income (ytd only)* | 61.6847% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,057 |
| Loan loss allowance to noncurrent loans | 140.5245% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 4,268 |
| Noncurrent loans to loans | 0.7950% | 3,992 |
| Net loans and leases to total assets | 73.7511% | 1,393 |
| Net loans and leases to deposits | 96.0672% | 729 |
| Net loans and leases to core deposits | 109.3385% | 637 |
| Total domestic deposits to total assets | 76.7703% | 6,011 |
| Equity capital to assets | 11.1618% | 2,467 |
| Core capital (leverage) ratio | 11.5809% | 1,903 |
| Tier 1 risk-based capital ratio | 14.3217% | 4,070 |
| Total risk-based capital ratio | 15.4199% | 4,120 |
| Memoranda: | ||
| Average total assets | $2,151,841,600 | 333 |
| Average earning assets | $1,997,829,600 | 324 |
| Average equity | $255,408,400 | 313 |
| Average total loans | $1,637,614,000 | 293 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 4,405 |
| Cost of funding earning assets | 0.5225% | 3,542 |
| Net interest margin | 3.4035% | 4,272 |
| Noninterest income to average assets | 0.8075% | 2,106 |
| Noninterest expense to average assets | 2.6811% | 4,089 |
| Loan and lease loss provision to assets | 0.0836% | 3,392 |
| Net operating income to assets | 0.8519% | 3,089 |
| Return on assets (ROA) | 0.8781% | 3,060 |
| Pretax return on assets | 1.2379% | 2,553 |
| Return on Equity (ROE) | 7.2802% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.2802% | 1,751 |
| Net charge-offs to loans | 0.0907% | 3,663 |
| Credit loss provision to net charge-offs | 120.5455% | 1,955 |
| Earnings coverage of net charge-offs (x) | 18.5191% | 1,673 |
| Efficiency ratio | 67.6070% | 4,167 |
| Assets per employee ($millions) | 6.5996% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 5,220 |
| Loan loss allowance to noncurrent loans | 149.4566% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6604% | 4,456 |
| Noncurrent loans to loans | 0.7539% | 4,340 |
| Net loans and leases to total assets | 74.0146% | 1,290 |
| Net loans and leases to deposits | 95.7159% | 713 |
| Net loans and leases to core deposits | 106.5088% | 730 |
| Total domestic deposits to total assets | 77.3274% | 5,999 |
| Equity capital to assets | 11.6999% | 2,128 |
| Core capital (leverage) ratio | 12.2977% | 1,520 |
| Tier 1 risk-based capital ratio | 15.2748% | 3,581 |
| Total risk-based capital ratio | 16.3863% | 3,619 |
| Memoranda: | ||
| Average total assets | $2,114,276,750 | 336 |
| Average earning assets | $1,961,915,500 | 328 |
| Average equity | $255,021,750 | 313 |
| Average total loans | $1,617,765,500 | 294 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9655% | 4,242 |
| Cost of funding earning assets | 0.5244% | 3,658 |
| Net interest margin | 3.4411% | 4,037 |
| Noninterest income to average assets | 0.7690% | 2,334 |
| Noninterest expense to average assets | 2.7582% | 3,823 |
| Loan and lease loss provision to assets | 0.0764% | 3,527 |
| Net operating income to assets | 0.8143% | 3,220 |
| Return on assets (ROA) | 0.8528% | 3,179 |
| Pretax return on assets | 1.1812% | 2,756 |
| Return on Equity (ROE) | 6.9959% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.9959% | 1,896 |
| Net charge-offs to loans | 0.1155% | 3,206 |
| Credit loss provision to net charge-offs | 85.7451% | 2,520 |
| Earnings coverage of net charge-offs (x) | 13.5227% | 1,897 |
| Efficiency ratio | 69.6112% | 3,905 |
| Assets per employee ($millions) | 6.4679% | 916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 5,311 |
| Loan loss allowance to noncurrent loans | 137.5497% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 4,385 |
| Noncurrent loans to loans | 0.8226% | 4,269 |
| Net loans and leases to total assets | 73.5438% | 1,319 |
| Net loans and leases to deposits | 98.9621% | 483 |
| Net loans and leases to core deposits | 111.6143% | 496 |
| Total domestic deposits to total assets | 74.3151% | 6,416 |
| Equity capital to assets | 11.7137% | 2,118 |
| Core capital (leverage) ratio | 12.7110% | 1,283 |
| Tier 1 risk-based capital ratio | 15.3467% | 3,567 |
| Total risk-based capital ratio | 16.4575% | 3,610 |
| Memoranda: | ||
| Average total assets | $2,079,884,000 | 344 |
| Average earning assets | $1,930,137,330 | 332 |
| Average equity | $253,549,000 | 314 |
| Average total loans | $1,603,706,330 | 295 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 3,954 |
| Cost of funding earning assets | 0.5458% | 3,612 |
| Net interest margin | 3.4945% | 3,723 |
| Noninterest income to average assets | 0.9072% | 1,733 |
| Noninterest expense to average assets | 2.7358% | 3,930 |
| Loan and lease loss provision to assets | 0.0770% | 3,345 |
| Net operating income to assets | 0.9692% | 2,355 |
| Return on assets (ROA) | 1.0014% | 2,337 |
| Pretax return on assets | 1.3915% | 1,888 |
| Return on Equity (ROE) | 8.0455% | 2,950 |
| Retained earnings to average equity (ytd only) | 8.0455% | 1,739 |
| Net charge-offs to loans | 0.0830% | 3,012 |
| Credit loss provision to net charge-offs | 118.1269% | 1,618 |
| Earnings coverage of net charge-offs (x) | 21.8308% | 1,152 |
| Efficiency ratio | 65.7698% | 4,705 |
| Assets per employee ($millions) | 6.1552% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 5,306 |
| Loan loss allowance to noncurrent loans | 117.1374% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8929% | 4,156 |
| Noncurrent loans to loans | 1.0015% | 4,128 |
| Net loans and leases to total assets | 75.7321% | 872 |
| Net loans and leases to deposits | 97.4100% | 472 |
| Net loans and leases to core deposits | 107.0377% | 600 |
| Total domestic deposits to total assets | 77.7457% | 6,151 |
| Equity capital to assets | 12.3720% | 1,791 |
| Core capital (leverage) ratio | 12.6771% | 1,261 |
| Tier 1 risk-based capital ratio | 16.0985% | 3,210 |
| Total risk-based capital ratio | 17.2920% | 3,201 |
| Memoranda: | ||
| Average total assets | $2,029,990,000 | 354 |
| Average earning assets | $1,889,394,000 | 341 |
| Average equity | $252,663,500 | 319 |
| Average total loans | $1,594,880,500 | 299 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4179% | 3,744 |
| Cost of funding earning assets | 0.6201% | 4,175 |
| Net interest margin | 3.7978% | 3,236 |
| Noninterest income to average assets | 0.7276% | 2,598 |
| Noninterest expense to average assets | 2.8303% | 3,903 |
| Loan and lease loss provision to assets | 0.1894% | 3,268 |
| Net operating income to assets | 0.8780% | 2,919 |
| Return on assets (ROA) | 0.9117% | 2,997 |
| Pretax return on assets | 1.2944% | 2,430 |
| Return on Equity (ROE) | 6.9206% | 3,688 |
| Retained earnings to average equity (ytd only) | 1.9106% | 4,874 |
| Net charge-offs to loans | 0.0736% | 4,948 |
| Credit loss provision to net charge-offs | 316.0352% | 770 |
| Earnings coverage of net charge-offs (x) | 23.9542% | 1,198 |
| Efficiency ratio | 66.3473% | 4,438 |
| Assets per employee ($millions) | 5.9820% | 1,289 |
| Cash dividends to net income (ytd only)* | 72.3924% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,354 |
| Loan loss allowance to noncurrent loans | 115.0785% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.9461% | 4,134 |
| Noncurrent loans to loans | 0.9975% | 4,195 |
| Net loans and leases to total assets | 79.6380% | 507 |
| Net loans and leases to deposits | 101.5342% | 348 |
| Net loans and leases to core deposits | 110.7934% | 514 |
| Total domestic deposits to total assets | 78.4347% | 6,007 |
| Equity capital to assets | 12.5235% | 1,693 |
| Core capital (leverage) ratio | 12.8616% | 1,170 |
| Tier 1 risk-based capital ratio | 16.2091% | 3,043 |
| Total risk-based capital ratio | 17.4274% | 3,016 |
| Memoranda: | ||
| Average total assets | $1,893,856,000 | 375 |
| Average earning assets | $1,764,461,800 | 355 |
| Average equity | $249,502,600 | 311 |
| Average total loans | $1,542,608,800 | 301 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 3,783 |
| Cost of funding earning assets | 0.6364% | 4,305 |
| Net interest margin | 3.8229% | 3,234 |
| Noninterest income to average assets | 0.6576% | 2,952 |
| Noninterest expense to average assets | 2.8220% | 3,905 |
| Loan and lease loss provision to assets | 0.1912% | 3,198 |
| Net operating income to assets | 0.8581% | 3,178 |
| Return on assets (ROA) | 0.8751% | 3,352 |
| Pretax return on assets | 1.2339% | 2,855 |
| Return on Equity (ROE) | 6.5557% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.5557% | 2,358 |
| Net charge-offs to loans | 0.0545% | 4,889 |
| Credit loss provision to net charge-offs | 429.1667% | 625 |
| Earnings coverage of net charge-offs (x) | 31.4567% | 1,062 |
| Efficiency ratio | 66.8222% | 4,284 |
| Assets per employee ($millions) | 6.3607% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 5,462 |
| Loan loss allowance to noncurrent loans | 128.9239% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 4,581 |
| Noncurrent loans to loans | 0.9022% | 4,626 |
| Net loans and leases to total assets | 78.9299% | 617 |
| Net loans and leases to deposits | 99.9543% | 439 |
| Net loans and leases to core deposits | 110.1078% | 566 |
| Total domestic deposits to total assets | 78.9659% | 5,877 |
| Equity capital to assets | 13.2203% | 1,486 |
| Core capital (leverage) ratio | 13.5062% | 1,007 |
| Tier 1 risk-based capital ratio | 17.0220% | 2,722 |
| Total risk-based capital ratio | 18.2392% | 2,694 |
| Memoranda: | ||
| Average total assets | $1,867,825,250 | 377 |
| Average earning assets | $1,742,084,250 | 361 |
| Average equity | $249,324,000 | 314 |
| Average total loans | $1,525,854,250 | 305 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 3,786 |
| Cost of funding earning assets | 0.6527% | 4,418 |
| Net interest margin | 3.8429% | 3,165 |
| Noninterest income to average assets | 0.5223% | 3,771 |
| Noninterest expense to average assets | 2.7828% | 4,083 |
| Loan and lease loss provision to assets | 0.2047% | 3,022 |
| Net operating income to assets | 0.7699% | 3,514 |
| Return on assets (ROA) | 0.7790% | 3,746 |
| Pretax return on assets | 1.1333% | 3,174 |
| Return on Equity (ROE) | 5.8161% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.8161% | 2,816 |
| Net charge-offs to loans | 0.0801% | 4,346 |
| Credit loss provision to net charge-offs | 310.5437% | 948 |
| Earnings coverage of net charge-offs (x) | 20.0988% | 1,402 |
| Efficiency ratio | 67.7462% | 4,178 |
| Assets per employee ($millions) | 6.7024% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,747 |
| Loan loss allowance to noncurrent loans | 113.4772% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 4,573 |
| Noncurrent loans to loans | 0.9754% | 4,567 |
| Net loans and leases to total assets | 80.3663% | 467 |
| Net loans and leases to deposits | 101.6613% | 355 |
| Net loans and leases to core deposits | 109.4141% | 598 |
| Total domestic deposits to total assets | 79.0530% | 5,953 |
| Equity capital to assets | 13.0253% | 1,504 |
| Core capital (leverage) ratio | 13.5771% | 953 |
| Tier 1 risk-based capital ratio | 16.9319% | 2,700 |
| Total risk-based capital ratio | 18.1140% | 2,691 |
| Memoranda: | ||
| Average total assets | $1,841,645,330 | 380 |
| Average earning assets | $1,718,274,330 | 365 |
| Average equity | $246,660,330 | 316 |
| Average total loans | $1,516,358,330 | 306 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4982% | 3,919 |
| Cost of funding earning assets | 0.6653% | 4,576 |
| Net interest margin | 3.8330% | 3,227 |
| Noninterest income to average assets | 0.5927% | 3,282 |
| Noninterest expense to average assets | 2.6786% | 4,510 |
| Loan and lease loss provision to assets | 0.1564% | 3,425 |
| Net operating income to assets | 0.8988% | 2,923 |
| Return on assets (ROA) | 0.8992% | 3,142 |
| Pretax return on assets | 1.3406% | 2,390 |
| Return on Equity (ROE) | 6.6167% | 3,979 |
| Retained earnings to average equity (ytd only) | 6.6167% | 2,622 |
| Net charge-offs to loans | 0.0541% | 3,958 |
| Credit loss provision to net charge-offs | 348.5149% | 874 |
| Earnings coverage of net charge-offs (x) | 33.3465% | 853 |
| Efficiency ratio | 64.1588% | 4,894 |
| Assets per employee ($millions) | 6.6179% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 5,926 |
| Loan loss allowance to noncurrent loans | 116.0197% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.9169% | 4,686 |
| Noncurrent loans to loans | 0.9418% | 4,791 |
| Net loans and leases to total assets | 80.7375% | 350 |
| Net loans and leases to deposits | 102.8109% | 285 |
| Net loans and leases to core deposits | 109.2714% | 560 |
| Total domestic deposits to total assets | 78.5302% | 6,180 |
| Equity capital to assets | 13.3123% | 1,315 |
| Core capital (leverage) ratio | 14.1657% | 760 |
| Tier 1 risk-based capital ratio | 17.2340% | 2,585 |
| Total risk-based capital ratio | 18.3909% | 2,594 |
| Memoranda: | ||
| Average total assets | $1,800,671,000 | 385 |
| Average earning assets | $1,682,878,500 | 366 |
| Average equity | $244,713,500 | 312 |
| Average total loans | $1,492,925,500 | 305 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 4,884 |
| Cost of funding earning assets | 1.0516% | 3,003 |
| Net interest margin | 3.4957% | 5,165 |
| Noninterest income to average assets | 0.4822% | 3,982 |
| Noninterest expense to average assets | 3.0025% | 3,584 |
| Loan and lease loss provision to assets | 0.1714% | 4,491 |
| Net operating income to assets | 0.4013% | 4,858 |
| Return on assets (ROA) | 0.6352% | 4,005 |
| Pretax return on assets | 0.9585% | 3,397 |
| Return on Equity (ROE) | 5.0137% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.0137% | 2,635 |
| Net charge-offs to loans | 0.0903% | 5,436 |
| Credit loss provision to net charge-offs | 230.9633% | 1,051 |
| Earnings coverage of net charge-offs (x) | 10.4518% | 1,838 |
| Efficiency ratio | 79.4733% | 2,378 |
| Assets per employee ($millions) | 6.2218% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 5,858 |
| Loan loss allowance to noncurrent loans | 127.0817% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8933% | 4,826 |
| Noncurrent loans to loans | 0.8559% | 4,982 |
| Net loans and leases to total assets | 83.3494% | 245 |
| Net loans and leases to deposits | 103.1208% | 336 |
| Net loans and leases to core deposits | 108.8562% | 663 |
| Total domestic deposits to total assets | 80.8269% | 5,505 |
| Equity capital to assets | 13.8846% | 1,106 |
| Core capital (leverage) ratio | 14.2853% | 758 |
| Tier 1 risk-based capital ratio | 17.7843% | 2,267 |
| Total risk-based capital ratio | 18.9612% | 2,271 |
| Memoranda: | ||
| Average total assets | $1,762,845,600 | 378 |
| Average earning assets | $1,662,074,800 | 362 |
| Average equity | $223,326,000 | 320 |
| Average total loans | $1,447,884,400 | 310 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5409% | 5,117 |
| Cost of funding earning assets | 1.1407% | 2,694 |
| Net interest margin | 3.4002% | 5,570 |
| Noninterest income to average assets | 0.4123% | 4,568 |
| Noninterest expense to average assets | 3.1325% | 3,049 |
| Loan and lease loss provision to assets | 0.1706% | 4,335 |
| Net operating income to assets | 0.2133% | 5,662 |
| Return on assets (ROA) | 0.5244% | 4,616 |
| Pretax return on assets | 0.7900% | 4,169 |
| Return on Equity (ROE) | 4.2403% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.2403% | 3,713 |
| Net charge-offs to loans | 0.0967% | 5,016 |
| Credit loss provision to net charge-offs | 216.2679% | 1,326 |
| Earnings coverage of net charge-offs (x) | 6.2019% | 2,597 |
| Efficiency ratio | 86.4931% | 1,484 |
| Assets per employee ($millions) | 6.6906% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 6,016 |
| Loan loss allowance to noncurrent loans | 110.2378% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 5,118 |
| Noncurrent loans to loans | 0.9628% | 4,960 |
| Net loans and leases to total assets | 82.8848% | 300 |
| Net loans and leases to deposits | 104.7219% | 292 |
| Net loans and leases to core deposits | 110.7162% | 644 |
| Total domestic deposits to total assets | 79.1475% | 5,961 |
| Equity capital to assets | 13.9048% | 1,194 |
| Core capital (leverage) ratio | 14.0701% | 886 |
| Tier 1 risk-based capital ratio | 17.8828% | 2,297 |
| Total risk-based capital ratio | 19.0473% | 2,303 |
| Memoranda: | ||
| Average total assets | $1,766,475,000 | 379 |
| Average earning assets | $1,667,337,000 | 364 |
| Average equity | $218,470,250 | 330 |
| Average total loans | $1,441,544,000 | 312 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4943% | 5,377 |
| Cost of funding earning assets | 1.2534% | 2,231 |
| Net interest margin | 3.2409% | 6,024 |
| Noninterest income to average assets | 0.3763% | 4,872 |
| Noninterest expense to average assets | 3.5146% | 1,948 |
| Loan and lease loss provision to assets | 0.1699% | 4,233 |
| Net operating income to assets | -0.1616% | 6,431 |
| Return on assets (ROA) | 0.2979% | 5,517 |
| Pretax return on assets | 0.4510% | 5,226 |
| Return on Equity (ROE) | 2.5110% | 5,602 |
| Retained earnings to average equity (ytd only) | 2.5110% | 4,691 |
| Net charge-offs to loans | 0.0683% | 4,957 |
| Credit loss provision to net charge-offs | 307.3469% | 988 |
| Earnings coverage of net charge-offs (x) | -1.3612% | 5,672 |
| Efficiency ratio | 102.1873% | 658 |
| Assets per employee ($millions) | 6.9171% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 6,095 |
| Loan loss allowance to noncurrent loans | 119.1728% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7464% | 5,419 |
| Noncurrent loans to loans | 0.8897% | 5,191 |
| Net loans and leases to total assets | 82.0562% | 365 |
| Net loans and leases to deposits | 104.6148% | 298 |
| Net loans and leases to core deposits | 110.5944% | 706 |
| Total domestic deposits to total assets | 78.4364% | 6,207 |
| Equity capital to assets | 13.6459% | 1,228 |
| Core capital (leverage) ratio | 12.8581% | 1,218 |
| Tier 1 risk-based capital ratio | 17.7307% | 2,256 |
| Total risk-based capital ratio | 18.8911% | 2,263 |
| Memoranda: | ||
| Average total assets | $1,773,214,000 | 383 |
| Average earning assets | $1,675,936,000 | 367 |
| Average equity | $210,355,670 | 339 |
| Average total loans | $1,434,422,330 | 319 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 5,583 |
| Cost of funding earning assets | 1.2631% | 2,404 |
| Net interest margin | 3.1670% | 6,173 |
| Noninterest income to average assets | 0.3843% | 4,837 |
| Noninterest expense to average assets | 2.3929% | 5,902 |
| Loan and lease loss provision to assets | 0.1682% | 3,946 |
| Net operating income to assets | 0.5341% | 4,334 |
| Return on assets (ROA) | 0.5299% | 4,437 |
| Pretax return on assets | 0.8115% | 3,859 |
| Return on Equity (ROE) | 4.8199% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.8199% | 3,294 |
| Net charge-offs to loans | 0.0106% | 4,943 |
| Credit loss provision to net charge-offs | 1,978.9474% | 203 |
| Earnings coverage of net charge-offs (x) | 116.0263% | 282 |
| Efficiency ratio | 70.8149% | 4,098 |
| Assets per employee ($millions) | 8.6728% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0488% | 6,227 |
| Loan loss allowance to noncurrent loans | 115.3185% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 5,485 |
| Noncurrent loans to loans | 0.9095% | 5,225 |
| Net loans and leases to total assets | 74.6412% | 1,242 |
| Net loans and leases to deposits | 105.8627% | 254 |
| Net loans and leases to core deposits | 111.8793% | 663 |
| Total domestic deposits to total assets | 70.5075% | 7,157 |
| Equity capital to assets | 12.6444% | 1,552 |
| Core capital (leverage) ratio | 13.2551% | 1,042 |
| Tier 1 risk-based capital ratio | 17.5125% | 2,288 |
| Total risk-based capital ratio | 18.6394% | 2,312 |
| Memoranda: | ||
| Average total assets | $1,788,262,500 | 384 |
| Average earning assets | $1,691,039,000 | 364 |
| Average equity | $196,601,500 | 358 |
| Average total loans | $1,428,802,000 | 320 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 4,682 |
| Cost of funding earning assets | 1.4568% | 2,916 |
| Net interest margin | 3.5158% | 5,184 |
| Noninterest income to average assets | 0.5630% | 3,720 |
| Noninterest expense to average assets | 2.4414% | 5,969 |
| Loan and lease loss provision to assets | 0.2552% | 4,748 |
| Net operating income to assets | 0.7721% | 2,919 |
| Return on assets (ROA) | 0.7797% | 3,011 |
| Pretax return on assets | 1.2027% | 2,219 |
| Return on Equity (ROE) | 8.2931% | 2,584 |
| Retained earnings to average equity (ytd only) | 4.9899% | 2,413 |
| Net charge-offs to loans | 0.1677% | 5,327 |
| Credit loss provision to net charge-offs | 175.8990% | 1,897 |
| Earnings coverage of net charge-offs (x) | 9.9662% | 1,772 |
| Efficiency ratio | 62.8016% | 5,555 |
| Assets per employee ($millions) | 7.8741% | 499 |
| Cash dividends to net income (ytd only)* | 39.8311% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 6,368 |
| Loan loss allowance to noncurrent loans | 127.5352% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 5,549 |
| Noncurrent loans to loans | 0.7876% | 5,462 |
| Net loans and leases to total assets | 84.1038% | 297 |
| Net loans and leases to deposits | 114.5840% | 165 |
| Net loans and leases to core deposits | 120.9066% | 506 |
| Total domestic deposits to total assets | 73.3992% | 6,959 |
| Equity capital to assets | 9.1250% | 4,951 |
| Core capital (leverage) ratio | 9.0682% | 4,415 |
| Tier 1 risk-based capital ratio | 11.6068% | 5,813 |
| Total risk-based capital ratio | 12.7215% | 5,933 |
| Memoranda: | ||
| Average total assets | $1,609,918,200 | 423 |
| Average earning assets | $1,522,335,200 | 406 |
| Average equity | $151,367,200 | 452 |
| Average total loans | $1,393,147,200 | 338 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0186% | 4,720 |
| Cost of funding earning assets | 1.4651% | 3,182 |
| Net interest margin | 3.5535% | 5,092 |
| Noninterest income to average assets | 0.5501% | 3,786 |
| Noninterest expense to average assets | 2.3844% | 6,079 |
| Loan and lease loss provision to assets | 0.2606% | 4,502 |
| Net operating income to assets | 0.8170% | 2,929 |
| Return on assets (ROA) | 0.8273% | 3,032 |
| Pretax return on assets | 1.2769% | 2,241 |
| Return on Equity (ROE) | 8.7313% | 2,590 |
| Retained earnings to average equity (ytd only) | 8.7313% | 1,146 |
| Net charge-offs to loans | 0.1501% | 5,106 |
| Credit loss provision to net charge-offs | 199.7434% | 1,796 |
| Earnings coverage of net charge-offs (x) | 11.6620% | 1,772 |
| Efficiency ratio | 61.0443% | 5,784 |
| Assets per employee ($millions) | 7.7705% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 6,373 |
| Loan loss allowance to noncurrent loans | 121.7204% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 1.0658% | 4,982 |
| Noncurrent loans to loans | 0.8253% | 5,568 |
| Net loans and leases to total assets | 84.7123% | 282 |
| Net loans and leases to deposits | 117.7621% | 136 |
| Net loans and leases to core deposits | 124.1822% | 495 |
| Total domestic deposits to total assets | 71.9351% | 7,139 |
| Equity capital to assets | 9.5284% | 4,796 |
| Core capital (leverage) ratio | 9.6828% | 3,642 |
| Tier 1 risk-based capital ratio | 12.1160% | 5,349 |
| Total risk-based capital ratio | 13.2681% | 5,419 |
| Memoranda: | ||
| Average total assets | $1,593,102,250 | 426 |
| Average earning assets | $1,504,490,250 | 408 |
| Average equity | $150,948,250 | 451 |
| Average total loans | $1,385,212,500 | 342 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0376% | 4,756 |
| Cost of funding earning assets | 1.4772% | 3,383 |
| Net interest margin | 3.5604% | 4,995 |
| Noninterest income to average assets | 0.4892% | 4,200 |
| Noninterest expense to average assets | 2.3788% | 6,119 |
| Loan and lease loss provision to assets | 0.2297% | 4,614 |
| Net operating income to assets | 0.8059% | 2,944 |
| Return on assets (ROA) | 0.8214% | 3,021 |
| Pretax return on assets | 1.2700% | 2,187 |
| Return on Equity (ROE) | 8.6856% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.6856% | 1,205 |
| Net charge-offs to loans | 0.1750% | 4,566 |
| Credit loss provision to net charge-offs | 150.1243% | 2,615 |
| Earnings coverage of net charge-offs (x) | 9.6454% | 1,992 |
| Efficiency ratio | 61.7115% | 5,737 |
| Assets per employee ($millions) | 7.4170% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 6,625 |
| Loan loss allowance to noncurrent loans | 91.4874% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 4,970 |
| Noncurrent loans to loans | 1.0290% | 5,249 |
| Net loans and leases to total assets | 86.3330% | 205 |
| Net loans and leases to deposits | 119.4152% | 128 |
| Net loans and leases to core deposits | 124.4517% | 561 |
| Total domestic deposits to total assets | 72.2965% | 7,159 |
| Equity capital to assets | 9.5186% | 4,676 |
| Core capital (leverage) ratio | 9.6146% | 3,659 |
| Tier 1 risk-based capital ratio | 12.1028% | 5,224 |
| Total risk-based capital ratio | 13.2027% | 5,319 |
| Memoranda: | ||
| Average total assets | $1,577,613,330 | 430 |
| Average earning assets | $1,491,240,670 | 411 |
| Average equity | $149,189,670 | 455 |
| Average total loans | $1,379,280,000 | 343 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0678% | 4,687 |
| Cost of funding earning assets | 1.5000% | 3,557 |
| Net interest margin | 3.5678% | 4,866 |
| Noninterest income to average assets | 0.4321% | 4,643 |
| Noninterest expense to average assets | 2.4252% | 5,998 |
| Loan and lease loss provision to assets | 0.2307% | 4,197 |
| Net operating income to assets | 0.7213% | 3,347 |
| Return on assets (ROA) | 0.7520% | 3,302 |
| Pretax return on assets | 1.1969% | 2,370 |
| Return on Equity (ROE) | 7.9790% | 2,894 |
| Retained earnings to average equity (ytd only) | 7.9790% | 1,715 |
| Net charge-offs to loans | 0.0070% | 5,502 |
| Credit loss provision to net charge-offs | 3,762.5000% | 120 |
| Earnings coverage of net charge-offs (x) | 224.9583% | 150 |
| Efficiency ratio | 63.7408% | 5,542 |
| Assets per employee ($millions) | 7.3957% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 6,554 |
| Loan loss allowance to noncurrent loans | 92.0491% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 1.1348% | 4,892 |
| Noncurrent loans to loans | 1.0656% | 5,215 |
| Net loans and leases to total assets | 86.8042% | 175 |
| Net loans and leases to deposits | 119.2448% | 148 |
| Net loans and leases to core deposits | 124.6091% | 629 |
| Total domestic deposits to total assets | 72.7949% | 7,185 |
| Equity capital to assets | 9.5697% | 4,424 |
| Core capital (leverage) ratio | 9.5227% | 3,735 |
| Tier 1 risk-based capital ratio | 12.1989% | 4,995 |
| Total risk-based capital ratio | 13.3546% | 5,050 |
| Memoranda: | ||
| Average total assets | $1,565,386,500 | 446 |
| Average earning assets | $1,479,778,000 | 431 |
| Average equity | $147,537,000 | 465 |
| Average total loans | $1,370,791,500 | 360 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 5,861 |
| Cost of funding earning assets | 2.0207% | 2,863 |
| Net interest margin | 3.1330% | 6,274 |
| Noninterest income to average assets | 0.4113% | 5,114 |
| Noninterest expense to average assets | 2.3218% | 6,687 |
| Loan and lease loss provision to assets | 0.1261% | 6,379 |
| Net operating income to assets | 0.6210% | 3,251 |
| Return on assets (ROA) | 0.6454% | 3,213 |
| Pretax return on assets | 0.9727% | 2,679 |
| Return on Equity (ROE) | 7.2819% | 2,675 |
| Retained earnings to average equity (ytd only) | 7.2819% | 882 |
| Net charge-offs to loans | 0.1465% | 5,775 |
| Credit loss provision to net charge-offs | 99.2911% | 5,615 |
| Earnings coverage of net charge-offs (x) | 8.3641% | 1,956 |
| Efficiency ratio | 68.6171% | 4,902 |
| Assets per employee ($millions) | 7.4421% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 6,758 |
| Loan loss allowance to noncurrent loans | 104.0926% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.9621% | 5,182 |
| Noncurrent loans to loans | 0.8770% | 5,545 |
| Net loans and leases to total assets | 86.6758% | 236 |
| Net loans and leases to deposits | 119.3212% | 182 |
| Net loans and leases to core deposits | 139.1661% | 838 |
| Total domestic deposits to total assets | 72.6408% | 7,188 |
| Equity capital to assets | 9.2811% | 4,721 |
| Core capital (leverage) ratio | 9.3251% | 3,938 |
| Tier 1 risk-based capital ratio | 12.0228% | 4,931 |
| Total risk-based capital ratio | 13.1137% | 5,029 |
| Memoranda: | ||
| Average total assets | $1,555,623,200 | 442 |
| Average earning assets | $1,475,854,800 | 421 |
| Average equity | $137,876,000 | 488 |
| Average total loans | $1,347,801,600 | 366 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1673% | 6,025 |
| Cost of funding earning assets | 2.1076% | 2,856 |
| Net interest margin | 3.0597% | 6,435 |
| Noninterest income to average assets | 0.4128% | 5,189 |
| Noninterest expense to average assets | 2.3436% | 6,580 |
| Loan and lease loss provision to assets | 0.1120% | 6,247 |
| Net operating income to assets | 0.5747% | 3,710 |
| Return on assets (ROA) | 0.6080% | 3,636 |
| Pretax return on assets | 0.9128% | 3,186 |
| Return on Equity (ROE) | 6.9426% | 3,096 |
| Retained earnings to average equity (ytd only) | 6.9426% | 1,526 |
| Net charge-offs to loans | 0.1240% | 5,454 |
| Credit loss provision to net charge-offs | 104.5710% | 4,861 |
| Earnings coverage of net charge-offs (x) | 9.1018% | 2,150 |
| Efficiency ratio | 70.6179% | 4,480 |
| Assets per employee ($millions) | 7.5214% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 6,664 |
| Loan loss allowance to noncurrent loans | 82.0376% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.1203% | 4,838 |
| Noncurrent loans to loans | 1.1236% | 5,067 |
| Net loans and leases to total assets | 86.6412% | 304 |
| Net loans and leases to deposits | 119.5274% | 213 |
| Net loans and leases to core deposits | 141.8584% | 840 |
| Total domestic deposits to total assets | 72.4865% | 7,149 |
| Equity capital to assets | 9.0019% | 5,476 |
| Core capital (leverage) ratio | 9.2638% | 4,242 |
| Tier 1 risk-based capital ratio | 11.8507% | 5,105 |
| Total risk-based capital ratio | 12.9532% | 5,187 |
| Memoranda: | ||
| Average total assets | $1,551,959,750 | 452 |
| Average earning assets | $1,473,899,750 | 437 |
| Average equity | $135,910,250 | 503 |
| Average total loans | $1,341,354,750 | 381 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2284% | 5,965 |
| Cost of funding earning assets | 2.1630% | 2,972 |
| Net interest margin | 3.0654% | 6,349 |
| Noninterest income to average assets | 0.3873% | 5,401 |
| Noninterest expense to average assets | 2.3966% | 6,467 |
| Loan and lease loss provision to assets | 0.0779% | 6,408 |
| Net operating income to assets | 0.5538% | 3,861 |
| Return on assets (ROA) | 0.6040% | 3,767 |
| Pretax return on assets | 0.8996% | 3,340 |
| Return on Equity (ROE) | 6.9621% | 3,216 |
| Retained earnings to average equity (ytd only) | 6.9621% | 1,598 |
| Net charge-offs to loans | 0.0144% | 6,337 |
| Credit loss provision to net charge-offs | 628.1250% | 742 |
| Earnings coverage of net charge-offs (x) | 72.7708% | 521 |
| Efficiency ratio | 72.6393% | 4,273 |
| Assets per employee ($millions) | 7.1985% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 6,437 |
| Loan loss allowance to noncurrent loans | 89.5134% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 5,087 |
| Noncurrent loans to loans | 1.0848% | 5,030 |
| Net loans and leases to total assets | 86.4625% | 337 |
| Net loans and leases to deposits | 118.7128% | 261 |
| Net loans and leases to core deposits | 140.1483% | 1,003 |
| Total domestic deposits to total assets | 72.8333% | 7,135 |
| Equity capital to assets | 8.9087% | 5,443 |
| Core capital (leverage) ratio | 9.0551% | 4,546 |
| Tier 1 risk-based capital ratio | 11.7252% | 5,168 |
| Total risk-based capital ratio | 12.8738% | 5,202 |
| Memoranda: | ||
| Average total assets | $1,547,796,670 | 469 |
| Average earning assets | $1,470,353,670 | 448 |
| Average equity | $134,270,330 | 515 |
| Average total loans | $1,332,450,330 | 398 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 6,159 |
| Cost of funding earning assets | 2.1904% | 3,208 |
| Net interest margin | 3.0501% | 6,336 |
| Noninterest income to average assets | 0.3563% | 5,592 |
| Noninterest expense to average assets | 2.3361% | 6,414 |
| Loan and lease loss provision to assets | 0.0771% | 5,992 |
| Net operating income to assets | 0.5659% | 4,157 |
| Return on assets (ROA) | 0.5162% | 4,542 |
| Pretax return on assets | 0.7686% | 4,191 |
| Return on Equity (ROE) | 6.0307% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.0307% | 2,610 |
| Net charge-offs to loans | 0.0006% | 5,726 |
| Credit loss provision to net charge-offs | 14,950.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,784.0000% | 4 |
| Efficiency ratio | 71.7476% | 4,233 |
| Assets per employee ($millions) | 7.5472% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 6,472 |
| Loan loss allowance to noncurrent loans | 92.9341% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.8808% | 4,993 |
| Noncurrent loans to loans | 1.0258% | 4,939 |
| Net loans and leases to total assets | 85.0503% | 545 |
| Net loans and leases to deposits | 122.9462% | 238 |
| Net loans and leases to core deposits | 146.7995% | 819 |
| Total domestic deposits to total assets | 69.1768% | 7,496 |
| Equity capital to assets | 8.5341% | 6,023 |
| Core capital (leverage) ratio | 8.8118% | 4,959 |
| Tier 1 risk-based capital ratio | 11.4972% | 5,417 |
| Total risk-based capital ratio | 12.6400% | 5,413 |
| Memoranda: | ||
| Average total assets | $1,551,455,000 | 473 |
| Average earning assets | $1,474,958,000 | 449 |
| Average equity | $132,787,500 | 518 |
| Average total loans | $1,326,177,000 | 403 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6923% | 6,803 |
| Cost of funding earning assets | 2.5816% | 3,782 |
| Net interest margin | 3.1107% | 6,621 |
| Noninterest income to average assets | 0.3838% | 5,606 |
| Noninterest expense to average assets | 2.3103% | 6,665 |
| Loan and lease loss provision to assets | 0.1665% | 5,252 |
| Net operating income to assets | 0.5513% | 4,524 |
| Return on assets (ROA) | -0.0946% | 6,338 |
| Pretax return on assets | -0.1529% | 6,326 |
| Return on Equity (ROE) | -1.0645% | 6,376 |
| Retained earnings to average equity (ytd only) | -1.0645% | 5,619 |
| Net charge-offs to loans | 0.0381% | 6,267 |
| Credit loss provision to net charge-offs | 520.2174% | 837 |
| Earnings coverage of net charge-offs (x) | 31.9478% | 1,123 |
| Efficiency ratio | 69.3143% | 4,475 |
| Assets per employee ($millions) | 7.0004% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9624% | 6,322 |
| Loan loss allowance to noncurrent loans | 124.7441% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 5,249 |
| Noncurrent loans to loans | 0.7715% | 5,104 |
| Net loans and leases to total assets | 84.2622% | 849 |
| Net loans and leases to deposits | 122.3303% | 342 |
| Net loans and leases to core deposits | 145.8795% | 1,019 |
| Total domestic deposits to total assets | 68.8809% | 7,396 |
| Equity capital to assets | 8.5843% | 5,960 |
| Core capital (leverage) ratio | 8.8316% | 4,994 |
| Tier 1 risk-based capital ratio | 11.6491% | 5,100 |
| Total risk-based capital ratio | 12.7980% | 5,085 |
| Memoranda: | ||
| Average total assets | $1,436,867,800 | 483 |
| Average earning assets | $1,362,284,800 | 468 |
| Average equity | $127,667,600 | 537 |
| Average total loans | $1,207,998,600 | 427 |