Home > United Bank > Performance and Condition Ratios
United Bank, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0778% | 3,367 |
| Cost of funding earning assets | 0.6056% | 1,930 |
| Net interest margin | 3.4722% | 3,816 |
| Noninterest income to average assets | 0.3787% | 4,358 |
| Noninterest expense to average assets | 2.3140% | 5,156 |
| Loan and lease loss provision to assets | 0.0970% | 2,309 |
| Net operating income to assets | 0.8467% | 2,915 |
| Return on assets (ROA) | 0.8467% | 2,990 |
| Pretax return on assets | 1.1399% | 2,734 |
| Return on Equity (ROE) | 7.0487% | 3,453 |
| Retained earnings to average equity (ytd only) | 7.0487% | 2,025 |
| Net charge-offs to loans | 0.0901% | 2,260 |
| Credit loss provision to net charge-offs | 142.1801% | 1,305 |
| Earnings coverage of net charge-offs (x) | 18.1280% | 1,430 |
| Efficiency ratio | 64.4522% | 4,788 |
| Assets per employee ($millions) | 5.9950% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 6,229 |
| Loan loss allowance to noncurrent loans | 105.0963% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 4,339 |
| Noncurrent loans to loans | 0.6944% | 4,132 |
| Net loans and leases to total assets | 75.0258% | 1,125 |
| Net loans and leases to deposits | 94.0934% | 784 |
| Net loans and leases to core deposits | 103.6391% | 880 |
| Total domestic deposits to total assets | 79.7355% | 5,537 |
| Equity capital to assets | 12.1980% | 1,746 |
| Core capital (leverage) ratio | 10.5856% | 2,827 |
| Tier 1 risk-based capital ratio | 12.8880% | 5,071 |
| Total risk-based capital ratio | 13.5718% | 5,354 |
| Memoranda: | ||
| Average total assets | $2,473,985,500 | 302 |
| Average earning assets | $2,260,212,000 | 297 |
| Average equity | $297,189,000 | 290 |
| Average total loans | $1,873,413,000 | 269 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 3,092 |
| Cost of funding earning assets | 0.6761% | 1,990 |
| Net interest margin | 3.5886% | 3,509 |
| Noninterest income to average assets | 0.4160% | 4,333 |
| Noninterest expense to average assets | 2.4690% | 4,864 |
| Loan and lease loss provision to assets | 0.1668% | 2,193 |
| Net operating income to assets | 0.7787% | 3,396 |
| Return on assets (ROA) | 0.7856% | 3,473 |
| Pretax return on assets | 1.0616% | 3,103 |
| Return on Equity (ROE) | 6.5207% | 3,818 |
| Retained earnings to average equity (ytd only) | -0.2477% | 5,929 |
| Net charge-offs to loans | 0.1487% | 3,315 |
| Credit loss provision to net charge-offs | 147.8324% | 1,570 |
| Earnings coverage of net charge-offs (x) | 10.8031% | 2,316 |
| Efficiency ratio | 66.1055% | 4,540 |
| Assets per employee ($millions) | 6.0438% | 1,247 |
| Cash dividends to net income (ytd only)* | 103.7990% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7117% | 6,325 |
| Loan loss allowance to noncurrent loans | 111.5797% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 4,489 |
| Noncurrent loans to loans | 0.6378% | 4,386 |
| Net loans and leases to total assets | 75.3304% | 1,180 |
| Net loans and leases to deposits | 95.1123% | 791 |
| Net loans and leases to core deposits | 104.3767% | 884 |
| Total domestic deposits to total assets | 79.2016% | 5,620 |
| Equity capital to assets | 11.8286% | 1,925 |
| Core capital (leverage) ratio | 10.2688% | 3,193 |
| Tier 1 risk-based capital ratio | 12.4254% | 5,337 |
| Total risk-based capital ratio | 13.0903% | 5,649 |
| Memoranda: | ||
| Average total assets | $2,452,766,400 | 299 |
| Average earning assets | $2,236,470,600 | 294 |
| Average equity | $295,491,800 | 280 |
| Average total loans | $1,861,643,400 | 268 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3045% | 2,975 |
| Cost of funding earning assets | 0.6825% | 2,081 |
| Net interest margin | 3.6220% | 3,350 |
| Noninterest income to average assets | 0.4179% | 4,385 |
| Noninterest expense to average assets | 2.4839% | 4,778 |
| Loan and lease loss provision to assets | 0.1618% | 2,234 |
| Net operating income to assets | 0.7831% | 3,437 |
| Return on assets (ROA) | 0.7812% | 3,576 |
| Pretax return on assets | 1.0711% | 3,221 |
| Return on Equity (ROE) | 6.4545% | 3,954 |
| Retained earnings to average equity (ytd only) | -2.5570% | 6,316 |
| Net charge-offs to loans | 0.1016% | 3,528 |
| Credit loss provision to net charge-offs | 209.8303% | 1,153 |
| Earnings coverage of net charge-offs (x) | 16.0233% | 1,831 |
| Efficiency ratio | 65.9341% | 4,497 |
| Assets per employee ($millions) | 6.1005% | 1,174 |
| Cash dividends to net income (ytd only)* | 139.6161% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7194% | 6,415 |
| Loan loss allowance to noncurrent loans | 115.4927% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 4,852 |
| Noncurrent loans to loans | 0.6229% | 4,648 |
| Net loans and leases to total assets | 75.4552% | 1,072 |
| Net loans and leases to deposits | 95.5873% | 721 |
| Net loans and leases to core deposits | 104.4504% | 853 |
| Total domestic deposits to total assets | 78.9385% | 5,752 |
| Equity capital to assets | 11.6626% | 2,157 |
| Core capital (leverage) ratio | 10.0354% | 3,632 |
| Tier 1 risk-based capital ratio | 12.2607% | 5,596 |
| Total risk-based capital ratio | 12.9410% | 5,915 |
| Memoranda: | ||
| Average total assets | $2,444,954,750 | 299 |
| Average earning assets | $2,228,645,500 | 297 |
| Average equity | $295,908,500 | 280 |
| Average total loans | $1,855,896,500 | 269 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,654 |
| Cost of funding earning assets | 0.6853% | 2,176 |
| Net interest margin | 3.6904% | 2,991 |
| Noninterest income to average assets | 0.4075% | 4,469 |
| Noninterest expense to average assets | 2.5541% | 4,550 |
| Loan and lease loss provision to assets | 0.1517% | 2,427 |
| Net operating income to assets | 0.7832% | 3,384 |
| Return on assets (ROA) | 0.7802% | 3,567 |
| Pretax return on assets | 1.0643% | 3,249 |
| Return on Equity (ROE) | 6.3674% | 3,953 |
| Retained earnings to average equity (ytd only) | -7.0759% | 6,573 |
| Net charge-offs to loans | 0.0935% | 3,429 |
| Credit loss provision to net charge-offs | 213.9373% | 1,134 |
| Earnings coverage of net charge-offs (x) | 17.2044% | 1,621 |
| Efficiency ratio | 66.8311% | 4,393 |
| Assets per employee ($millions) | 6.1003% | 1,132 |
| Cash dividends to net income (ytd only)* | 211.1264% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7014% | 6,492 |
| Loan loss allowance to noncurrent loans | 102.0775% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 4,821 |
| Noncurrent loans to loans | 0.6872% | 4,563 |
| Net loans and leases to total assets | 75.4491% | 1,045 |
| Net loans and leases to deposits | 94.8057% | 759 |
| Net loans and leases to core deposits | 104.8697% | 801 |
| Total domestic deposits to total assets | 79.5828% | 5,697 |
| Equity capital to assets | 11.6696% | 2,159 |
| Core capital (leverage) ratio | 10.0204% | 3,479 |
| Tier 1 risk-based capital ratio | 11.9313% | 5,832 |
| Total risk-based capital ratio | 12.5778% | 6,157 |
| Memoranda: | ||
| Average total assets | $2,428,238,330 | 302 |
| Average earning assets | $2,215,261,330 | 299 |
| Average equity | $297,546,330 | 278 |
| Average total loans | $1,842,419,670 | 270 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4801% | 2,234 |
| Cost of funding earning assets | 0.6917% | 2,293 |
| Net interest margin | 3.7885% | 2,493 |
| Noninterest income to average assets | 0.4074% | 4,404 |
| Noninterest expense to average assets | 2.5213% | 4,685 |
| Loan and lease loss provision to assets | 0.1573% | 2,296 |
| Net operating income to assets | 0.8613% | 2,860 |
| Return on assets (ROA) | 0.8552% | 3,011 |
| Pretax return on assets | 1.1772% | 2,657 |
| Return on Equity (ROE) | 6.8146% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.8146% | 2,247 |
| Net charge-offs to loans | 0.0749% | 3,098 |
| Credit loss provision to net charge-offs | 276.9679% | 855 |
| Earnings coverage of net charge-offs (x) | 23.6472% | 1,099 |
| Efficiency ratio | 64.4231% | 4,934 |
| Assets per employee ($millions) | 5.9251% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6886% | 6,617 |
| Loan loss allowance to noncurrent loans | 89.4210% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6425% | 4,768 |
| Noncurrent loans to loans | 0.7700% | 4,585 |
| Net loans and leases to total assets | 75.3760% | 915 |
| Net loans and leases to deposits | 96.1112% | 535 |
| Net loans and leases to core deposits | 105.2704% | 669 |
| Total domestic deposits to total assets | 78.4258% | 6,058 |
| Equity capital to assets | 12.5787% | 1,665 |
| Core capital (leverage) ratio | 10.8180% | 2,438 |
| Tier 1 risk-based capital ratio | 12.9995% | 5,217 |
| Total risk-based capital ratio | 13.6401% | 5,599 |
| Memoranda: | ||
| Average total assets | $2,416,189,500 | 307 |
| Average earning assets | $2,204,573,500 | 303 |
| Average equity | $303,231,000 | 278 |
| Average total loans | $1,831,962,000 | 273 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3430% | 4,044 |
| Cost of funding earning assets | 0.9123% | 1,868 |
| Net interest margin | 3.4308% | 4,777 |
| Noninterest income to average assets | 0.5146% | 3,805 |
| Noninterest expense to average assets | 2.9111% | 3,591 |
| Loan and lease loss provision to assets | 0.1740% | 3,444 |
| Net operating income to assets | 0.3403% | 5,327 |
| Return on assets (ROA) | 0.3425% | 5,542 |
| Pretax return on assets | 0.5805% | 5,051 |
| Return on Equity (ROE) | 2.7735% | 5,643 |
| Retained earnings to average equity (ytd only) | -5.3087% | 6,450 |
| Net charge-offs to loans | 0.1686% | 4,028 |
| Credit loss provision to net charge-offs | 143.8588% | 1,895 |
| Earnings coverage of net charge-offs (x) | 6.2094% | 2,852 |
| Efficiency ratio | 79.2183% | 2,251 |
| Assets per employee ($millions) | 5.9630% | 1,304 |
| Cash dividends to net income (ytd only)* | 291.4036% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 6,680 |
| Loan loss allowance to noncurrent loans | 95.4445% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 4,881 |
| Noncurrent loans to loans | 0.6959% | 4,801 |
| Net loans and leases to total assets | 75.2381% | 1,019 |
| Net loans and leases to deposits | 96.7205% | 575 |
| Net loans and leases to core deposits | 104.3258% | 771 |
| Total domestic deposits to total assets | 77.7892% | 6,113 |
| Equity capital to assets | 12.5209% | 1,698 |
| Core capital (leverage) ratio | 10.6941% | 2,550 |
| Tier 1 risk-based capital ratio | 12.9846% | 5,115 |
| Total risk-based capital ratio | 13.6084% | 5,515 |
| Memoranda: | ||
| Average total assets | $1,803,733,000 | 385 |
| Average earning assets | $1,654,913,600 | 378 |
| Average equity | $222,711,000 | 338 |
| Average total loans | $1,294,491,600 | 335 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 3,624 |
| Cost of funding earning assets | 0.9797% | 1,681 |
| Net interest margin | 3.5238% | 4,550 |
| Noninterest income to average assets | 0.5790% | 3,414 |
| Noninterest expense to average assets | 2.5707% | 4,842 |
| Loan and lease loss provision to assets | 0.1975% | 3,107 |
| Net operating income to assets | 0.7838% | 3,534 |
| Return on assets (ROA) | 0.7739% | 3,833 |
| Pretax return on assets | 1.0400% | 3,564 |
| Return on Equity (ROE) | 6.3001% | 4,177 |
| Retained earnings to average equity (ytd only) | -5.5126% | 6,646 |
| Net charge-offs to loans | 0.1183% | 4,196 |
| Credit loss provision to net charge-offs | 237.4031% | 1,167 |
| Earnings coverage of net charge-offs (x) | 15.0348% | 1,798 |
| Efficiency ratio | 67.1209% | 4,232 |
| Assets per employee ($millions) | 5.7189% | 1,440 |
| Cash dividends to net income (ytd only)* | 187.5000% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 5,975 |
| Loan loss allowance to noncurrent loans | 140.4903% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 5,148 |
| Noncurrent loans to loans | 0.7319% | 4,962 |
| Net loans and leases to total assets | 71.5973% | 1,626 |
| Net loans and leases to deposits | 93.0883% | 867 |
| Net loans and leases to core deposits | 101.4507% | 1,025 |
| Total domestic deposits to total assets | 76.9133% | 6,248 |
| Equity capital to assets | 12.1587% | 2,144 |
| Core capital (leverage) ratio | 11.3176% | 2,123 |
| Tier 1 risk-based capital ratio | 13.8490% | 4,652 |
| Total risk-based capital ratio | 14.7684% | 4,828 |
| Memoranda: | ||
| Average total assets | $1,653,896,250 | 410 |
| Average earning assets | $1,521,881,750 | 402 |
| Average equity | $203,167,000 | 369 |
| Average total loans | $1,163,084,500 | 376 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 3,677 |
| Cost of funding earning assets | 1.0097% | 1,710 |
| Net interest margin | 3.5121% | 4,617 |
| Noninterest income to average assets | 0.5892% | 3,325 |
| Noninterest expense to average assets | 2.6146% | 4,723 |
| Loan and lease loss provision to assets | 0.1704% | 3,400 |
| Net operating income to assets | 0.7815% | 3,461 |
| Return on assets (ROA) | 0.7815% | 3,730 |
| Pretax return on assets | 1.0377% | 3,569 |
| Return on Equity (ROE) | 6.3393% | 4,138 |
| Retained earnings to average equity (ytd only) | -11.4373% | 6,871 |
| Net charge-offs to loans | 0.1365% | 3,838 |
| Credit loss provision to net charge-offs | 179.2574% | 1,574 |
| Earnings coverage of net charge-offs (x) | 12.7068% | 1,851 |
| Efficiency ratio | 68.2494% | 4,075 |
| Assets per employee ($millions) | 5.4350% | 1,670 |
| Cash dividends to net income (ytd only)* | 280.4175% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 6,126 |
| Loan loss allowance to noncurrent loans | 136.4333% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 5,111 |
| Noncurrent loans to loans | 0.7390% | 5,033 |
| Net loans and leases to total assets | 69.8282% | 1,948 |
| Net loans and leases to deposits | 90.3395% | 1,113 |
| Net loans and leases to core deposits | 98.4913% | 1,222 |
| Total domestic deposits to total assets | 77.2953% | 6,281 |
| Equity capital to assets | 12.1330% | 2,042 |
| Core capital (leverage) ratio | 11.3124% | 2,033 |
| Tier 1 risk-based capital ratio | 14.3167% | 4,233 |
| Total risk-based capital ratio | 15.2256% | 4,436 |
| Memoranda: | ||
| Average total assets | $1,642,835,330 | 413 |
| Average earning assets | $1,512,545,330 | 405 |
| Average equity | $202,513,670 | 366 |
| Average total loans | $1,143,961,670 | 380 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5496% | 3,720 |
| Cost of funding earning assets | 1.0332% | 1,788 |
| Net interest margin | 3.5165% | 4,609 |
| Noninterest income to average assets | 0.5623% | 3,478 |
| Noninterest expense to average assets | 2.6381% | 4,668 |
| Loan and lease loss provision to assets | 0.1587% | 3,394 |
| Net operating income to assets | 0.7499% | 3,623 |
| Return on assets (ROA) | 0.7499% | 3,862 |
| Pretax return on assets | 1.0068% | 3,654 |
| Return on Equity (ROE) | 6.0352% | 4,270 |
| Retained earnings to average equity (ytd only) | -29.3390% | 7,128 |
| Net charge-offs to loans | 0.1613% | 3,124 |
| Credit loss provision to net charge-offs | 142.2319% | 1,736 |
| Earnings coverage of net charge-offs (x) | 10.4442% | 1,757 |
| Efficiency ratio | 69.2110% | 3,946 |
| Assets per employee ($millions) | 5.7187% | 1,507 |
| Cash dividends to net income (ytd only)* | 586.1283% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,283 |
| Loan loss allowance to noncurrent loans | 169.2825% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 5,501 |
| Noncurrent loans to loans | 0.5857% | 5,495 |
| Net loans and leases to total assets | 68.1953% | 2,073 |
| Net loans and leases to deposits | 88.3930% | 1,122 |
| Net loans and leases to core deposits | 96.2929% | 1,277 |
| Total domestic deposits to total assets | 77.1501% | 6,380 |
| Equity capital to assets | 11.8366% | 2,155 |
| Core capital (leverage) ratio | 10.9797% | 2,270 |
| Tier 1 risk-based capital ratio | 14.4638% | 4,139 |
| Total risk-based capital ratio | 15.3681% | 4,352 |
| Memoranda: | ||
| Average total assets | $1,638,137,000 | 413 |
| Average earning assets | $1,509,922,000 | 407 |
| Average equity | $203,538,000 | 359 |
| Average total loans | $1,133,205,000 | 381 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8233% | 3,692 |
| Cost of funding earning assets | 1.2389% | 1,793 |
| Net interest margin | 3.5844% | 4,791 |
| Noninterest income to average assets | 0.5318% | 3,638 |
| Noninterest expense to average assets | 2.6419% | 4,955 |
| Loan and lease loss provision to assets | 0.2025% | 4,158 |
| Net operating income to assets | 0.7456% | 3,275 |
| Return on assets (ROA) | 0.7456% | 3,444 |
| Pretax return on assets | 1.0073% | 3,217 |
| Return on Equity (ROE) | 5.9018% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.9018% | 2,073 |
| Net charge-offs to loans | 0.1896% | 4,627 |
| Credit loss provision to net charge-offs | 154.6756% | 1,816 |
| Earnings coverage of net charge-offs (x) | 9.2395% | 2,012 |
| Efficiency ratio | 68.4249% | 4,271 |
| Assets per employee ($millions) | 5.6569% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 6,268 |
| Loan loss allowance to noncurrent loans | 163.1062% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5488% | 5,598 |
| Noncurrent loans to loans | 0.6071% | 5,499 |
| Net loans and leases to total assets | 68.7941% | 2,250 |
| Net loans and leases to deposits | 90.1100% | 1,146 |
| Net loans and leases to core deposits | 98.6139% | 1,291 |
| Total domestic deposits to total assets | 76.3446% | 6,438 |
| Equity capital to assets | 13.0281% | 1,471 |
| Core capital (leverage) ratio | 12.2323% | 1,475 |
| Tier 1 risk-based capital ratio | 16.1636% | 2,970 |
| Total risk-based capital ratio | 17.0844% | 3,099 |
| Memoranda: | ||
| Average total assets | $1,600,652,800 | 411 |
| Average earning assets | $1,482,545,200 | 399 |
| Average equity | $202,225,600 | 349 |
| Average total loans | $1,105,431,800 | 382 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 3,714 |
| Cost of funding earning assets | 1.2626% | 1,918 |
| Net interest margin | 3.6007% | 4,763 |
| Noninterest income to average assets | 0.5049% | 3,832 |
| Noninterest expense to average assets | 2.6761% | 4,819 |
| Loan and lease loss provision to assets | 0.1863% | 4,166 |
| Net operating income to assets | 0.7303% | 3,462 |
| Return on assets (ROA) | 0.7303% | 3,644 |
| Pretax return on assets | 0.9811% | 3,468 |
| Return on Equity (ROE) | 5.8266% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.8266% | 2,655 |
| Net charge-offs to loans | 0.1788% | 4,374 |
| Credit loss provision to net charge-offs | 151.1518% | 2,062 |
| Earnings coverage of net charge-offs (x) | 9.4695% | 2,041 |
| Efficiency ratio | 69.4598% | 4,044 |
| Assets per employee ($millions) | 5.3211% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 6,427 |
| Loan loss allowance to noncurrent loans | 114.3511% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 5,303 |
| Noncurrent loans to loans | 0.8376% | 5,200 |
| Net loans and leases to total assets | 69.3458% | 2,205 |
| Net loans and leases to deposits | 91.7482% | 1,034 |
| Net loans and leases to core deposits | 100.8318% | 1,177 |
| Total domestic deposits to total assets | 75.5827% | 6,580 |
| Equity capital to assets | 12.9369% | 1,646 |
| Core capital (leverage) ratio | 12.1092% | 1,645 |
| Tier 1 risk-based capital ratio | 15.7028% | 3,277 |
| Total risk-based capital ratio | 16.5837% | 3,442 |
| Memoranda: | ||
| Average total assets | $1,596,350,500 | 418 |
| Average earning assets | $1,480,155,250 | 401 |
| Average equity | $200,087,750 | 357 |
| Average total loans | $1,100,758,250 | 390 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8710% | 3,751 |
| Cost of funding earning assets | 1.3022% | 1,930 |
| Net interest margin | 3.5688% | 4,842 |
| Noninterest income to average assets | 0.5063% | 3,812 |
| Noninterest expense to average assets | 2.7075% | 4,798 |
| Loan and lease loss provision to assets | 0.1858% | 4,058 |
| Net operating income to assets | 0.6884% | 3,605 |
| Return on assets (ROA) | 0.6885% | 3,722 |
| Pretax return on assets | 0.9278% | 3,521 |
| Return on Equity (ROE) | 5.5524% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.5524% | 2,662 |
| Net charge-offs to loans | 0.1514% | 4,279 |
| Credit loss provision to net charge-offs | 178.8647% | 1,690 |
| Earnings coverage of net charge-offs (x) | 10.7210% | 1,774 |
| Efficiency ratio | 70.6933% | 3,991 |
| Assets per employee ($millions) | 5.6112% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 6,474 |
| Loan loss allowance to noncurrent loans | 112.0118% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.7700% | 5,360 |
| Noncurrent loans to loans | 0.8591% | 5,230 |
| Net loans and leases to total assets | 68.2345% | 2,572 |
| Net loans and leases to deposits | 90.8473% | 1,175 |
| Net loans and leases to core deposits | 100.0114% | 1,340 |
| Total domestic deposits to total assets | 75.1090% | 6,712 |
| Equity capital to assets | 12.5913% | 1,736 |
| Core capital (leverage) ratio | 11.8214% | 1,709 |
| Tier 1 risk-based capital ratio | 15.5141% | 3,231 |
| Total risk-based capital ratio | 16.3943% | 3,390 |
| Memoranda: | ||
| Average total assets | $1,594,580,000 | 426 |
| Average earning assets | $1,480,998,000 | 408 |
| Average equity | $197,715,330 | 362 |
| Average total loans | $1,093,869,000 | 397 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 3,972 |
| Cost of funding earning assets | 1.3273% | 2,024 |
| Net interest margin | 3.4911% | 5,052 |
| Noninterest income to average assets | 0.5031% | 3,861 |
| Noninterest expense to average assets | 2.6469% | 5,051 |
| Loan and lease loss provision to assets | 0.2033% | 3,604 |
| Net operating income to assets | 0.6727% | 3,647 |
| Return on assets (ROA) | 0.6729% | 3,713 |
| Pretax return on assets | 0.9082% | 3,466 |
| Return on Equity (ROE) | 5.4700% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.4700% | 2,925 |
| Net charge-offs to loans | 0.1199% | 3,815 |
| Credit loss provision to net charge-offs | 247.8528% | 1,271 |
| Earnings coverage of net charge-offs (x) | 13.5460% | 1,426 |
| Efficiency ratio | 70.2625% | 4,204 |
| Assets per employee ($millions) | 5.5826% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 6,537 |
| Loan loss allowance to noncurrent loans | 125.2003% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 5,731 |
| Noncurrent loans to loans | 0.7604% | 5,510 |
| Net loans and leases to total assets | 68.2152% | 2,504 |
| Net loans and leases to deposits | 91.2523% | 1,086 |
| Net loans and leases to core deposits | 100.6515% | 1,284 |
| Total domestic deposits to total assets | 74.7545% | 6,826 |
| Equity capital to assets | 12.3473% | 1,712 |
| Core capital (leverage) ratio | 11.6371% | 1,778 |
| Tier 1 risk-based capital ratio | 15.5784% | 3,118 |
| Total risk-based capital ratio | 16.4652% | 3,267 |
| Memoranda: | ||
| Average total assets | $1,589,463,500 | 432 |
| Average earning assets | $1,482,075,500 | 409 |
| Average equity | $195,539,500 | 360 |
| Average total loans | $1,087,965,500 | 404 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1817% | 3,695 |
| Cost of funding earning assets | 1.4561% | 2,920 |
| Net interest margin | 3.7257% | 4,245 |
| Noninterest income to average assets | 0.5398% | 3,887 |
| Noninterest expense to average assets | 2.7544% | 4,768 |
| Loan and lease loss provision to assets | 0.1481% | 5,713 |
| Net operating income to assets | 0.7312% | 3,094 |
| Return on assets (ROA) | 0.7232% | 3,262 |
| Pretax return on assets | 1.0870% | 2,629 |
| Return on Equity (ROE) | 5.7268% | 3,724 |
| Retained earnings to average equity (ytd only) | -3.7691% | 6,188 |
| Net charge-offs to loans | 0.1344% | 5,570 |
| Credit loss provision to net charge-offs | 154.4963% | 2,296 |
| Earnings coverage of net charge-offs (x) | 13.0088% | 1,450 |
| Efficiency ratio | 68.6558% | 4,432 |
| Assets per employee ($millions) | 5.6511% | 1,457 |
| Cash dividends to net income (ytd only)* | 165.8152% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 6,642 |
| Loan loss allowance to noncurrent loans | 116.6316% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 5,719 |
| Noncurrent loans to loans | 0.7955% | 5,450 |
| Net loans and leases to total assets | 67.3914% | 3,126 |
| Net loans and leases to deposits | 91.5432% | 1,320 |
| Net loans and leases to core deposits | 101.3852% | 1,503 |
| Total domestic deposits to total assets | 73.6171% | 6,935 |
| Equity capital to assets | 12.2567% | 1,766 |
| Core capital (leverage) ratio | 11.5313% | 1,817 |
| Tier 1 risk-based capital ratio | 15.4869% | 3,001 |
| Total risk-based capital ratio | 16.3435% | 3,141 |
| Memoranda: | ||
| Average total assets | $1,542,765,200 | 444 |
| Average earning assets | $1,433,456,800 | 428 |
| Average equity | $194,822,000 | 356 |
| Average total loans | $1,100,701,400 | 410 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2496% | 3,579 |
| Cost of funding earning assets | 1.4712% | 3,136 |
| Net interest margin | 3.7784% | 4,064 |
| Noninterest income to average assets | 0.5414% | 3,853 |
| Noninterest expense to average assets | 2.7917% | 4,529 |
| Loan and lease loss provision to assets | 0.1681% | 5,363 |
| Net operating income to assets | 0.7379% | 3,246 |
| Return on assets (ROA) | 0.7267% | 3,447 |
| Pretax return on assets | 1.0712% | 2,923 |
| Return on Equity (ROE) | 5.7114% | 3,950 |
| Retained earnings to average equity (ytd only) | -6.9351% | 6,709 |
| Net charge-offs to loans | 0.1407% | 5,173 |
| Credit loss provision to net charge-offs | 165.4966% | 2,263 |
| Earnings coverage of net charge-offs (x) | 12.3613% | 1,694 |
| Efficiency ratio | 68.7949% | 4,312 |
| Assets per employee ($millions) | 5.5679% | 1,564 |
| Cash dividends to net income (ytd only)* | 221.4243% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 6,734 |
| Loan loss allowance to noncurrent loans | 85.2989% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 5,429 |
| Noncurrent loans to loans | 1.0583% | 5,128 |
| Net loans and leases to total assets | 70.7876% | 2,536 |
| Net loans and leases to deposits | 96.3377% | 942 |
| Net loans and leases to core deposits | 105.1686% | 1,390 |
| Total domestic deposits to total assets | 73.4786% | 6,994 |
| Equity capital to assets | 12.3889% | 1,922 |
| Core capital (leverage) ratio | 11.6004% | 1,872 |
| Tier 1 risk-based capital ratio | 15.2358% | 3,134 |
| Total risk-based capital ratio | 16.0928% | 3,306 |
| Memoranda: | ||
| Average total assets | $1,532,881,500 | 443 |
| Average earning assets | $1,422,420,500 | 428 |
| Average equity | $195,043,000 | 353 |
| Average total loans | $1,106,796,750 | 406 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2831% | 3,546 |
| Cost of funding earning assets | 1.4754% | 3,399 |
| Net interest margin | 3.8077% | 3,865 |
| Noninterest income to average assets | 0.5441% | 3,757 |
| Noninterest expense to average assets | 2.8651% | 4,207 |
| Loan and lease loss provision to assets | 0.1547% | 5,350 |
| Net operating income to assets | 0.7295% | 3,273 |
| Return on assets (ROA) | 0.7295% | 3,428 |
| Pretax return on assets | 1.0572% | 2,907 |
| Return on Equity (ROE) | 5.6833% | 3,954 |
| Retained earnings to average equity (ytd only) | -13.1591% | 7,042 |
| Net charge-offs to loans | 0.1157% | 5,020 |
| Credit loss provision to net charge-offs | 184.5554% | 2,136 |
| Earnings coverage of net charge-offs (x) | 14.4602% | 1,518 |
| Efficiency ratio | 70.0991% | 4,180 |
| Assets per employee ($millions) | 5.4524% | 1,675 |
| Cash dividends to net income (ytd only)* | 331.5412% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8859% | 6,804 |
| Loan loss allowance to noncurrent loans | 74.5781% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.9817% | 5,172 |
| Noncurrent loans to loans | 1.1878% | 4,975 |
| Net loans and leases to total assets | 70.4936% | 2,796 |
| Net loans and leases to deposits | 95.7593% | 1,071 |
| Net loans and leases to core deposits | 104.6368% | 1,573 |
| Total domestic deposits to total assets | 73.6154% | 7,026 |
| Equity capital to assets | 12.2012% | 1,979 |
| Core capital (leverage) ratio | 11.3824% | 1,981 |
| Tier 1 risk-based capital ratio | 14.9442% | 3,177 |
| Total risk-based capital ratio | 15.7819% | 3,388 |
| Memoranda: | ||
| Average total assets | $1,529,735,000 | 446 |
| Average earning assets | $1,419,274,000 | 429 |
| Average equity | $196,365,330 | 350 |
| Average total loans | $1,108,490,000 | 413 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3310% | 3,388 |
| Cost of funding earning assets | 1.4853% | 3,651 |
| Net interest margin | 3.8457% | 3,591 |
| Noninterest income to average assets | 0.5310% | 3,806 |
| Noninterest expense to average assets | 2.9955% | 3,697 |
| Loan and lease loss provision to assets | 0.1925% | 4,576 |
| Net operating income to assets | 0.6537% | 3,643 |
| Return on assets (ROA) | 0.6537% | 3,760 |
| Pretax return on assets | 0.9129% | 3,421 |
| Return on Equity (ROE) | 4.9677% | 4,382 |
| Retained earnings to average equity (ytd only) | 4.9677% | 3,174 |
| Net charge-offs to loans | 0.1088% | 4,337 |
| Credit loss provision to net charge-offs | 241.9142% | 1,588 |
| Earnings coverage of net charge-offs (x) | 13.8911% | 1,465 |
| Efficiency ratio | 72.8658% | 3,783 |
| Assets per employee ($millions) | 5.5291% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 6,924 |
| Loan loss allowance to noncurrent loans | 58.3804% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2340% | 4,706 |
| Noncurrent loans to loans | 1.4918% | 4,509 |
| Net loans and leases to total assets | 72.4651% | 2,337 |
| Net loans and leases to deposits | 101.2491% | 680 |
| Net loans and leases to core deposits | 111.8421% | 1,173 |
| Total domestic deposits to total assets | 71.5712% | 7,305 |
| Equity capital to assets | 13.3438% | 1,385 |
| Core capital (leverage) ratio | 12.6026% | 1,370 |
| Tier 1 risk-based capital ratio | 16.1324% | 2,597 |
| Total risk-based capital ratio | 16.9582% | 2,722 |
| Memoranda: | ||
| Average total assets | $1,523,094,000 | 460 |
| Average earning assets | $1,413,831,000 | 445 |
| Average equity | $200,415,000 | 350 |
| Average total loans | $1,114,010,000 | 427 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1995% | 5,657 |
| Cost of funding earning assets | 1.8417% | 3,775 |
| Net interest margin | 3.3578% | 5,531 |
| Noninterest income to average assets | 0.5809% | 3,781 |
| Noninterest expense to average assets | 2.6053% | 5,786 |
| Loan and lease loss provision to assets | 0.2300% | 5,532 |
| Net operating income to assets | 0.5578% | 3,491 |
| Return on assets (ROA) | 0.5805% | 3,478 |
| Pretax return on assets | 0.9209% | 2,858 |
| Return on Equity (ROE) | 4.4369% | 3,908 |
| Retained earnings to average equity (ytd only) | 4.4369% | 2,137 |
| Net charge-offs to loans | 0.2240% | 5,225 |
| Credit loss provision to net charge-offs | 144.9009% | 3,288 |
| Earnings coverage of net charge-offs (x) | 7.0266% | 2,237 |
| Efficiency ratio | 69.9552% | 4,641 |
| Assets per employee ($millions) | 5.3920% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 7,081 |
| Loan loss allowance to noncurrent loans | 56.3640% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.1604% | 4,771 |
| Noncurrent loans to loans | 1.4483% | 4,497 |
| Net loans and leases to total assets | 72.5826% | 2,609 |
| Net loans and leases to deposits | 105.5318% | 578 |
| Net loans and leases to core deposits | 133.6478% | 1,077 |
| Total domestic deposits to total assets | 68.7779% | 7,501 |
| Equity capital to assets | 12.9764% | 1,517 |
| Core capital (leverage) ratio | 12.2113% | 1,572 |
| Tier 1 risk-based capital ratio | 15.8185% | 2,599 |
| Total risk-based capital ratio | 16.6140% | 2,729 |
| Memoranda: | ||
| Average total assets | $1,303,219,600 | 519 |
| Average earning assets | $1,218,669,600 | 501 |
| Average equity | $170,503,000 | 402 |
| Average total loans | $923,674,400 | 518 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3298% | 5,278 |
| Cost of funding earning assets | 1.9551% | 3,594 |
| Net interest margin | 3.3747% | 5,365 |
| Noninterest income to average assets | 0.5921% | 3,767 |
| Noninterest expense to average assets | 2.5777% | 5,791 |
| Loan and lease loss provision to assets | 0.2158% | 5,259 |
| Net operating income to assets | 0.6265% | 3,507 |
| Return on assets (ROA) | 0.6586% | 3,425 |
| Pretax return on assets | 1.0089% | 2,877 |
| Return on Equity (ROE) | 5.0212% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.0212% | 2,479 |
| Net charge-offs to loans | 0.1175% | 5,519 |
| Credit loss provision to net charge-offs | 261.6883% | 1,629 |
| Earnings coverage of net charge-offs (x) | 14.2520% | 1,611 |
| Efficiency ratio | 68.6310% | 4,857 |
| Assets per employee ($millions) | 5.5764% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 5,913 |
| Loan loss allowance to noncurrent loans | 86.7306% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 5,218 |
| Noncurrent loans to loans | 1.2318% | 4,889 |
| Net loans and leases to total assets | 70.7207% | 3,332 |
| Net loans and leases to deposits | 100.7362% | 1,040 |
| Net loans and leases to core deposits | 124.0413% | 1,895 |
| Total domestic deposits to total assets | 70.2038% | 7,399 |
| Equity capital to assets | 13.5966% | 1,455 |
| Core capital (leverage) ratio | 13.2549% | 1,303 |
| Tier 1 risk-based capital ratio | 18.0537% | 1,973 |
| Total risk-based capital ratio | 19.1023% | 1,982 |
| Memoranda: | ||
| Average total assets | $1,244,841,000 | 553 |
| Average earning assets | $1,166,028,500 | 535 |
| Average equity | $163,275,750 | 436 |
| Average total loans | $873,447,500 | 557 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3475% | 5,409 |
| Cost of funding earning assets | 1.9977% | 3,787 |
| Net interest margin | 3.3498% | 5,366 |
| Noninterest income to average assets | 0.6016% | 3,680 |
| Noninterest expense to average assets | 2.6399% | 5,588 |
| Loan and lease loss provision to assets | 0.1951% | 5,107 |
| Net operating income to assets | 0.5874% | 3,731 |
| Return on assets (ROA) | 0.6355% | 3,643 |
| Pretax return on assets | 0.9797% | 3,085 |
| Return on Equity (ROE) | 4.9051% | 4,116 |
| Retained earnings to average equity (ytd only) | 4.9051% | 2,559 |
| Net charge-offs to loans | 0.1161% | 4,997 |
| Credit loss provision to net charge-offs | 241.0714% | 1,926 |
| Earnings coverage of net charge-offs (x) | 13.5992% | 1,728 |
| Efficiency ratio | 70.5208% | 4,677 |
| Assets per employee ($millions) | 5.6643% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 6,009 |
| Loan loss allowance to noncurrent loans | 167.9850% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 6,226 |
| Noncurrent loans to loans | 0.6142% | 6,026 |
| Net loans and leases to total assets | 69.6136% | 3,790 |
| Net loans and leases to deposits | 101.0695% | 1,166 |
| Net loans and leases to core deposits | 122.9520% | 2,113 |
| Total domestic deposits to total assets | 68.8769% | 7,566 |
| Equity capital to assets | 13.2845% | 1,567 |
| Core capital (leverage) ratio | 13.0759% | 1,406 |
| Tier 1 risk-based capital ratio | 18.2035% | 1,955 |
| Total risk-based capital ratio | 19.2192% | 1,965 |
| Memoranda: | ||
| Average total assets | $1,245,276,000 | 566 |
| Average earning assets | $1,166,931,000 | 549 |
| Average equity | $161,341,670 | 446 |
| Average total loans | $868,285,330 | 575 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 5,171 |
| Cost of funding earning assets | 2.0249% | 4,009 |
| Net interest margin | 3.4264% | 5,027 |
| Noninterest income to average assets | 0.5499% | 3,921 |
| Noninterest expense to average assets | 2.4780% | 5,922 |
| Loan and lease loss provision to assets | 0.1727% | 4,741 |
| Net operating income to assets | 0.7140% | 3,484 |
| Return on assets (ROA) | 0.7140% | 3,683 |
| Pretax return on assets | 1.1179% | 2,918 |
| Return on Equity (ROE) | 5.5803% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.5803% | 2,832 |
| Net charge-offs to loans | 0.0290% | 5,117 |
| Credit loss provision to net charge-offs | 857.1429% | 708 |
| Earnings coverage of net charge-offs (x) | 64.0476% | 619 |
| Efficiency ratio | 65.7019% | 5,384 |
| Assets per employee ($millions) | 5.8480% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 6,107 |
| Loan loss allowance to noncurrent loans | 201.4309% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 6,269 |
| Noncurrent loans to loans | 0.5017% | 6,174 |
| Net loans and leases to total assets | 68.9540% | 3,929 |
| Net loans and leases to deposits | 102.5838% | 1,123 |
| Net loans and leases to core deposits | 125.0371% | 1,993 |
| Total domestic deposits to total assets | 67.2172% | 7,655 |
| Equity capital to assets | 13.0948% | 1,706 |
| Core capital (leverage) ratio | 12.8035% | 1,559 |
| Tier 1 risk-based capital ratio | 18.6835% | 1,887 |
| Total risk-based capital ratio | 19.7174% | 1,903 |
| Memoranda: | ||
| Average total assets | $1,250,503,500 | 564 |
| Average earning assets | $1,174,746,500 | 550 |
| Average equity | $159,992,500 | 443 |
| Average total loans | $868,145,500 | 576 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7977% | 6,443 |
| Cost of funding earning assets | 2.3851% | 4,785 |
| Net interest margin | 3.4126% | 5,604 |
| Noninterest income to average assets | 0.5075% | 4,561 |
| Noninterest expense to average assets | 2.4885% | 6,051 |
| Loan and lease loss provision to assets | 0.1564% | 5,364 |
| Net operating income to assets | 0.6501% | 4,108 |
| Return on assets (ROA) | 0.5759% | 4,281 |
| Pretax return on assets | 0.9869% | 3,427 |
| Return on Equity (ROE) | 4.4734% | 4,610 |
| Retained earnings to average equity (ytd only) | 4.4734% | 2,345 |
| Net charge-offs to loans | 0.1539% | 4,659 |
| Credit loss provision to net charge-offs | 141.0237% | 3,761 |
| Earnings coverage of net charge-offs (x) | 11.3529% | 2,379 |
| Efficiency ratio | 66.3313% | 5,055 |
| Assets per employee ($millions) | 5.9492% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 6,422 |
| Loan loss allowance to noncurrent loans | 171.9825% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 5,847 |
| Noncurrent loans to loans | 0.5497% | 5,718 |
| Net loans and leases to total assets | 68.5392% | 4,355 |
| Net loans and leases to deposits | 103.1675% | 1,445 |
| Net loans and leases to core deposits | 125.7290% | 2,179 |
| Total domestic deposits to total assets | 66.4349% | 7,627 |
| Equity capital to assets | 12.4988% | 2,014 |
| Core capital (leverage) ratio | 12.3056% | 1,834 |
| Tier 1 risk-based capital ratio | 17.7648% | 2,100 |
| Total risk-based capital ratio | 18.7132% | 2,127 |
| Memoranda: | ||
| Average total assets | $1,180,100,000 | 569 |
| Average earning assets | $1,120,527,400 | 546 |
| Average equity | $151,919,200 | 461 |
| Average total loans | $850,503,600 | 571 |