Home > United Bank > Performance and Condition Ratios
United Bank, Performance and Condition Ratios
| 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 | 3.6078% | 4,537 |
| Cost of funding earning assets | 0.3616% | 3,543 |
| Net interest margin | 3.2462% | 4,338 |
| Noninterest income to average assets | 0.7641% | 1,721 |
| Noninterest expense to average assets | 1.9286% | 5,095 |
| Loan and lease loss provision to assets | 0.4312% | 306 |
| Net operating income to assets | 0.9348% | 2,855 |
| Return on assets (ROA) | 0.9406% | 2,889 |
| Pretax return on assets | 1.4249% | 2,040 |
| Return on Equity (ROE) | 8.3772% | 2,940 |
| Retained earnings to average equity (ytd only) | 6.4461% | 1,987 |
| Net charge-offs to loans | 0.4332% | 481 |
| Credit loss provision to net charge-offs | 123.6417% | 1,965 |
| Earnings coverage of net charge-offs (x) | 5.2967% | 3,125 |
| Efficiency ratio | 50.6242% | 5,206 |
| Assets per employee ($millions) | 7.0074% | 950 |
| Cash dividends to net income (ytd only)* | 23.0516% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,787 |
| Loan loss allowance to noncurrent loans | 40.9300% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 2.2350% | 535 |
| Noncurrent loans to loans | 2.5670% | 577 |
| Net loans and leases to total assets | 76.5972% | 1,483 |
| Net loans and leases to deposits | 97.7097% | 949 |
| Net loans and leases to core deposits | 125.1863% | 427 |
| Total domestic deposits to total assets | 78.3926% | 4,650 |
| Equity capital to assets | 11.3365% | 2,540 |
| Core capital (leverage) ratio | 10.8957% | 2,555 |
| Tier 1 risk-based capital ratio | 12.9410% | 4,052 |
| Total risk-based capital ratio | 13.9561% | 4,096 |
| Memoranda: | ||
| Average total assets | $6,149,187,250 | 186 |
| Average earning assets | $5,705,214,250 | 182 |
| Average equity | $690,442,000 | 185 |
| Average total loans | $4,950,887,000 | 167 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6156% | 4,472 |
| Cost of funding earning assets | 0.3379% | 3,717 |
| Net interest margin | 3.2778% | 4,183 |
| Noninterest income to average assets | 0.7695% | 1,688 |
| Noninterest expense to average assets | 1.9310% | 5,120 |
| Loan and lease loss provision to assets | 0.4022% | 325 |
| Net operating income to assets | 0.9724% | 2,559 |
| Return on assets (ROA) | 0.9709% | 2,611 |
| Pretax return on assets | 1.4766% | 1,731 |
| Return on Equity (ROE) | 8.6759% | 2,679 |
| Retained earnings to average equity (ytd only) | 7.2096% | 1,491 |
| Net charge-offs to loans | 0.4187% | 482 |
| Credit loss provision to net charge-offs | 117.7539% | 1,806 |
| Earnings coverage of net charge-offs (x) | 5.5072% | 2,816 |
| Efficiency ratio | 50.2027% | 5,296 |
| Assets per employee ($millions) | 6.8215% | 1,004 |
| Cash dividends to net income (ytd only)* | 16.9005% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 4,171 |
| Loan loss allowance to noncurrent loans | 45.1876% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 2.0316% | 622 |
| Noncurrent loans to loans | 2.2051% | 731 |
| Net loans and leases to total assets | 80.0285% | 950 |
| Net loans and leases to deposits | 100.3506% | 710 |
| Net loans and leases to core deposits | 129.1882% | 321 |
| Total domestic deposits to total assets | 79.7489% | 4,469 |
| Equity capital to assets | 11.5257% | 2,303 |
| Core capital (leverage) ratio | 10.6934% | 2,710 |
| Tier 1 risk-based capital ratio | 12.5404% | 4,279 |
| Total risk-based capital ratio | 13.4990% | 4,347 |
| Memoranda: | ||
| Average total assets | $6,094,367,330 | 187 |
| Average earning assets | $5,657,385,670 | 182 |
| Average equity | $682,007,670 | 187 |
| Average total loans | $4,972,039,670 | 167 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6221% | 4,359 |
| Cost of funding earning assets | 0.3175% | 3,872 |
| Net interest margin | 3.3046% | 3,990 |
| Noninterest income to average assets | 0.7867% | 1,603 |
| Noninterest expense to average assets | 1.9857% | 5,083 |
| Loan and lease loss provision to assets | 0.3690% | 310 |
| Net operating income to assets | 0.9842% | 2,373 |
| Return on assets (ROA) | 0.9823% | 2,427 |
| Pretax return on assets | 1.4940% | 1,549 |
| Return on Equity (ROE) | 8.9121% | 2,460 |
| Retained earnings to average equity (ytd only) | 8.9121% | 1,112 |
| Net charge-offs to loans | 0.3465% | 529 |
| Credit loss provision to net charge-offs | 129.9026% | 1,316 |
| Earnings coverage of net charge-offs (x) | 6.5691% | 2,206 |
| Efficiency ratio | 51.1086% | 5,320 |
| Assets per employee ($millions) | 6.7557% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 4,405 |
| Loan loss allowance to noncurrent loans | 57.4695% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 1.6409% | 942 |
| Noncurrent loans to loans | 1.7018% | 1,124 |
| Net loans and leases to total assets | 79.9899% | 830 |
| Net loans and leases to deposits | 99.4489% | 648 |
| Net loans and leases to core deposits | 127.2258% | 302 |
| Total domestic deposits to total assets | 80.4332% | 4,540 |
| Equity capital to assets | 11.2608% | 2,377 |
| Core capital (leverage) ratio | 10.5891% | 2,805 |
| Tier 1 risk-based capital ratio | 12.2655% | 4,531 |
| Total risk-based capital ratio | 13.2108% | 4,646 |
| Memoranda: | ||
| Average total assets | $6,075,287,500 | 186 |
| Average earning assets | $5,634,736,000 | 182 |
| Average equity | $669,604,000 | 187 |
| Average total loans | $4,979,478,500 | 168 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6509% | 4,366 |
| Cost of funding earning assets | 0.2718% | 4,345 |
| Net interest margin | 3.3791% | 3,896 |
| Noninterest income to average assets | 0.8700% | 1,511 |
| Noninterest expense to average assets | 2.1002% | 4,998 |
| Loan and lease loss provision to assets | 0.3316% | 536 |
| Net operating income to assets | 1.0292% | 2,230 |
| Return on assets (ROA) | 1.0298% | 2,326 |
| Pretax return on assets | 1.5626% | 1,390 |
| Return on Equity (ROE) | 9.6076% | 2,142 |
| Retained earnings to average equity (ytd only) | 6.7029% | 1,354 |
| Net charge-offs to loans | 0.3357% | 819 |
| Credit loss provision to net charge-offs | 119.7352% | 2,214 |
| Earnings coverage of net charge-offs (x) | 6.8360% | 3,116 |
| Efficiency ratio | 52.1187% | 5,378 |
| Assets per employee ($millions) | 6.5812% | 1,109 |
| Cash dividends to net income (ytd only)* | 30.2333% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 4,541 |
| Loan loss allowance to noncurrent loans | 61.5002% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.5791% | 1,020 |
| Noncurrent loans to loans | 1.5570% | 1,271 |
| Net loans and leases to total assets | 82.3912% | 554 |
| Net loans and leases to deposits | 103.1184% | 459 |
| Net loans and leases to core deposits | 129.7096% | 289 |
| Total domestic deposits to total assets | 79.8997% | 4,595 |
| Equity capital to assets | 10.7742% | 2,840 |
| Core capital (leverage) ratio | 9.8427% | 3,697 |
| Tier 1 risk-based capital ratio | 11.2831% | 5,178 |
| Total risk-based capital ratio | 12.2046% | 5,258 |
| Memoranda: | ||
| Average total assets | $5,781,380,600 | 184 |
| Average earning assets | $5,343,953,600 | 180 |
| Average equity | $619,683,800 | 189 |
| Average total loans | $4,769,916,800 | 168 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6207% | 4,490 |
| Cost of funding earning assets | 0.2646% | 4,454 |
| Net interest margin | 3.3562% | 4,013 |
| Noninterest income to average assets | 0.8826% | 1,463 |
| Noninterest expense to average assets | 2.1111% | 4,990 |
| Loan and lease loss provision to assets | 0.3782% | 400 |
| Net operating income to assets | 0.9981% | 2,443 |
| Return on assets (ROA) | 0.9990% | 2,575 |
| Pretax return on assets | 1.4943% | 1,725 |
| Return on Equity (ROE) | 9.3328% | 2,344 |
| Retained earnings to average equity (ytd only) | 5.4229% | 2,534 |
| Net charge-offs to loans | 0.3697% | 601 |
| Credit loss provision to net charge-offs | 124.2646% | 2,039 |
| Earnings coverage of net charge-offs (x) | 6.1487% | 3,034 |
| Efficiency ratio | 52.5348% | 5,344 |
| Assets per employee ($millions) | 6.6814% | 1,010 |
| Cash dividends to net income (ytd only)* | 41.8936% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 4,651 |
| Loan loss allowance to noncurrent loans | 64.5763% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.4819% | 1,218 |
| Noncurrent loans to loans | 1.4740% | 1,464 |
| Net loans and leases to total assets | 81.6736% | 663 |
| Net loans and leases to deposits | 106.9086% | 345 |
| Net loans and leases to core deposits | 129.2523% | 313 |
| Total domestic deposits to total assets | 76.3957% | 5,180 |
| Equity capital to assets | 10.4168% | 3,649 |
| Core capital (leverage) ratio | 9.6422% | 4,006 |
| Tier 1 risk-based capital ratio | 10.8792% | 5,439 |
| Total risk-based capital ratio | 11.7932% | 5,524 |
| Memoranda: | ||
| Average total assets | $5,734,438,250 | 186 |
| Average earning assets | $5,296,166,750 | 181 |
| Average equity | $613,822,750 | 190 |
| Average total loans | $4,720,995,000 | 167 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5846% | 4,642 |
| Cost of funding earning assets | 0.2546% | 4,613 |
| Net interest margin | 3.3300% | 4,118 |
| Noninterest income to average assets | 0.8693% | 1,478 |
| Noninterest expense to average assets | 2.1619% | 4,926 |
| Loan and lease loss provision to assets | 0.3514% | 467 |
| Net operating income to assets | 0.9424% | 2,661 |
| Return on assets (ROA) | 0.9437% | 2,796 |
| Pretax return on assets | 1.4299% | 1,908 |
| Return on Equity (ROE) | 8.7324% | 2,618 |
| Retained earnings to average equity (ytd only) | 2.8115% | 4,111 |
| Net charge-offs to loans | 0.3032% | 783 |
| Credit loss provision to net charge-offs | 140.8378% | 1,675 |
| Earnings coverage of net charge-offs (x) | 7.1318% | 2,665 |
| Efficiency ratio | 54.3617% | 5,280 |
| Assets per employee ($millions) | 6.3049% | 1,194 |
| Cash dividends to net income (ytd only)* | 67.8043% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 4,732 |
| Loan loss allowance to noncurrent loans | 63.5420% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.5236% | 1,246 |
| Noncurrent loans to loans | 1.5054% | 1,454 |
| Net loans and leases to total assets | 80.6638% | 798 |
| Net loans and leases to deposits | 110.6130% | 240 |
| Net loans and leases to core deposits | 131.6650% | 281 |
| Total domestic deposits to total assets | 72.9243% | 5,606 |
| Equity capital to assets | 10.1504% | 4,027 |
| Core capital (leverage) ratio | 10.2178% | 3,313 |
| Tier 1 risk-based capital ratio | 10.7179% | 5,569 |
| Total risk-based capital ratio | 11.6459% | 5,640 |
| Memoranda: | ||
| Average total assets | $5,625,911,670 | 187 |
| Average earning assets | $5,189,889,670 | 182 |
| Average equity | $608,010,000 | 191 |
| Average total loans | $4,628,994,330 | 169 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7146% | 4,269 |
| Cost of funding earning assets | 0.2692% | 4,510 |
| Net interest margin | 3.4453% | 3,689 |
| Noninterest income to average assets | 0.8946% | 1,325 |
| Noninterest expense to average assets | 2.2360% | 4,818 |
| Loan and lease loss provision to assets | 0.3199% | 479 |
| Net operating income to assets | 0.9926% | 2,316 |
| Return on assets (ROA) | 0.9926% | 2,428 |
| Pretax return on assets | 1.5039% | 1,571 |
| Return on Equity (ROE) | 8.8814% | 2,480 |
| Retained earnings to average equity (ytd only) | 0.9368% | 4,863 |
| Net charge-offs to loans | 0.4054% | 555 |
| Credit loss provision to net charge-offs | 95.3463% | 1,713 |
| Earnings coverage of net charge-offs (x) | 5.4365% | 2,326 |
| Efficiency ratio | 54.5809% | 5,329 |
| Assets per employee ($millions) | 5.7715% | 1,608 |
| Cash dividends to net income (ytd only)* | 89.4521% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 4,804 |
| Loan loss allowance to noncurrent loans | 64.1051% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 1,342 |
| Noncurrent loans to loans | 1.4981% | 1,564 |
| Net loans and leases to total assets | 81.3271% | 647 |
| Net loans and leases to deposits | 99.6256% | 651 |
| Net loans and leases to core deposits | 118.4525% | 511 |
| Total domestic deposits to total assets | 81.6327% | 4,320 |
| Equity capital to assets | 11.0994% | 2,825 |
| Core capital (leverage) ratio | 10.1290% | 3,392 |
| Tier 1 risk-based capital ratio | 11.6441% | 5,141 |
| Total risk-based capital ratio | 12.5748% | 5,235 |
| Memoranda: | ||
| Average total assets | $5,406,190,000 | 189 |
| Average earning assets | $4,966,499,000 | 188 |
| Average equity | $604,187,000 | 191 |
| Average total loans | $4,473,593,500 | 172 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 4,377 |
| Cost of funding earning assets | 0.3058% | 4,185 |
| Net interest margin | 3.3915% | 3,946 |
| Noninterest income to average assets | 0.9671% | 1,269 |
| Noninterest expense to average assets | 2.2128% | 5,027 |
| Loan and lease loss provision to assets | 0.3534% | 415 |
| Net operating income to assets | 1.0428% | 2,159 |
| Return on assets (ROA) | 1.0436% | 2,241 |
| Pretax return on assets | 1.5202% | 1,493 |
| Return on Equity (ROE) | 9.7096% | 2,127 |
| Retained earnings to average equity (ytd only) | 7.2848% | 1,170 |
| Net charge-offs to loans | 0.3986% | 719 |
| Credit loss provision to net charge-offs | 108.6969% | 2,322 |
| Earnings coverage of net charge-offs (x) | 5.7590% | 3,332 |
| Efficiency ratio | 53.6420% | 5,541 |
| Assets per employee ($millions) | 5.5753% | 1,715 |
| Cash dividends to net income (ytd only)* | 24.9732% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 4,758 |
| Loan loss allowance to noncurrent loans | 57.6728% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.6870% | 1,154 |
| Noncurrent loans to loans | 1.6843% | 1,348 |
| Net loans and leases to total assets | 82.5873% | 535 |
| Net loans and leases to deposits | 101.0756% | 603 |
| Net loans and leases to core deposits | 118.3747% | 527 |
| Total domestic deposits to total assets | 81.7084% | 4,259 |
| Equity capital to assets | 11.2539% | 2,581 |
| Core capital (leverage) ratio | 10.2164% | 3,247 |
| Tier 1 risk-based capital ratio | 11.6196% | 5,179 |
| Total risk-based capital ratio | 12.5511% | 5,269 |
| Memoranda: | ||
| Average total assets | $5,371,920,000 | 186 |
| Average earning assets | $4,939,015,400 | 182 |
| Average equity | $577,369,000 | 188 |
| Average total loans | $4,381,529,400 | 167 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6986% | 4,423 |
| Cost of funding earning assets | 0.3105% | 4,222 |
| Net interest margin | 3.3881% | 4,008 |
| Noninterest income to average assets | 0.9776% | 1,234 |
| Noninterest expense to average assets | 2.2027% | 5,046 |
| Loan and lease loss provision to assets | 0.3512% | 381 |
| Net operating income to assets | 1.0665% | 2,144 |
| Return on assets (ROA) | 1.0675% | 2,233 |
| Pretax return on assets | 1.5399% | 1,574 |
| Return on Equity (ROE) | 10.0499% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.8830% | 945 |
| Net charge-offs to loans | 0.3873% | 667 |
| Credit loss provision to net charge-offs | 111.7907% | 2,089 |
| Earnings coverage of net charge-offs (x) | 6.0153% | 3,116 |
| Efficiency ratio | 53.3043% | 5,564 |
| Assets per employee ($millions) | 5.5093% | 1,776 |
| Cash dividends to net income (ytd only)* | 11.6114% | 3,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 4,857 |
| Loan loss allowance to noncurrent loans | 64.3473% | 4,559 |
| Noncurrent assets plus other real estate owned to assets | 1.5340% | 1,455 |
| Noncurrent loans to loans | 1.5190% | 1,654 |
| Net loans and leases to total assets | 81.1433% | 686 |
| Net loans and leases to deposits | 96.3925% | 968 |
| Net loans and leases to core deposits | 116.0981% | 589 |
| Total domestic deposits to total assets | 84.1801% | 3,348 |
| Equity capital to assets | 11.1195% | 2,889 |
| Core capital (leverage) ratio | 10.1127% | 3,483 |
| Tier 1 risk-based capital ratio | 11.7232% | 5,251 |
| Total risk-based capital ratio | 12.6706% | 5,332 |
| Memoranda: | ||
| Average total assets | $5,378,219,000 | 187 |
| Average earning assets | $4,944,154,750 | 183 |
| Average equity | $571,282,000 | 193 |
| Average total loans | $4,362,155,000 | 168 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6899% | 4,436 |
| Cost of funding earning assets | 0.3175% | 4,194 |
| Net interest margin | 3.3724% | 4,002 |
| Noninterest income to average assets | 0.9802% | 1,218 |
| Noninterest expense to average assets | 2.1848% | 5,159 |
| Loan and lease loss provision to assets | 0.3451% | 386 |
| Net operating income to assets | 1.0556% | 2,121 |
| Return on assets (ROA) | 1.0565% | 2,231 |
| Pretax return on assets | 1.5504% | 1,483 |
| Return on Equity (ROE) | 10.1049% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.1049% | 646 |
| Net charge-offs to loans | 0.3887% | 670 |
| Credit loss provision to net charge-offs | 109.8518% | 1,924 |
| Earnings coverage of net charge-offs (x) | 6.0289% | 2,837 |
| Efficiency ratio | 53.0372% | 5,648 |
| Assets per employee ($millions) | 5.4968% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 4,973 |
| Loan loss allowance to noncurrent loans | 72.0752% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 1,780 |
| Noncurrent loans to loans | 1.3582% | 1,989 |
| Net loans and leases to total assets | 80.6979% | 711 |
| Net loans and leases to deposits | 99.9392% | 663 |
| Net loans and leases to core deposits | 115.5846% | 606 |
| Total domestic deposits to total assets | 80.7470% | 4,682 |
| Equity capital to assets | 11.0228% | 2,862 |
| Core capital (leverage) ratio | 10.1413% | 3,408 |
| Tier 1 risk-based capital ratio | 11.6472% | 5,372 |
| Total risk-based capital ratio | 12.5898% | 5,479 |
| Memoranda: | ||
| Average total assets | $5,369,427,670 | 190 |
| Average earning assets | $4,933,800,330 | 185 |
| Average equity | $561,388,670 | 198 |
| Average total loans | $4,339,955,330 | 168 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6713% | 4,466 |
| Cost of funding earning assets | 0.3346% | 4,045 |
| Net interest margin | 3.3368% | 4,074 |
| Noninterest income to average assets | 0.9375% | 1,274 |
| Noninterest expense to average assets | 2.1952% | 5,163 |
| Loan and lease loss provision to assets | 0.3035% | 475 |
| Net operating income to assets | 1.0455% | 2,051 |
| Return on assets (ROA) | 1.0474% | 2,190 |
| Pretax return on assets | 1.5106% | 1,531 |
| Return on Equity (ROE) | 10.2956% | 1,874 |
| Retained earnings to average equity (ytd only) | 10.2956% | 855 |
| Net charge-offs to loans | 0.3528% | 696 |
| Credit loss provision to net charge-offs | 106.8550% | 1,541 |
| Earnings coverage of net charge-offs (x) | 6.3776% | 2,300 |
| Efficiency ratio | 54.2576% | 5,659 |
| Assets per employee ($millions) | 5.4218% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 5,134 |
| Loan loss allowance to noncurrent loans | 71.4490% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 1,855 |
| Noncurrent loans to loans | 1.3696% | 2,103 |
| Net loans and leases to total assets | 79.6911% | 721 |
| Net loans and leases to deposits | 96.8867% | 776 |
| Net loans and leases to core deposits | 110.0682% | 742 |
| Total domestic deposits to total assets | 82.2519% | 4,437 |
| Equity capital to assets | 10.7789% | 3,219 |
| Core capital (leverage) ratio | 9.7780% | 3,919 |
| Tier 1 risk-based capital ratio | 11.3869% | 5,613 |
| Total risk-based capital ratio | 12.3224% | 5,693 |
| Memoranda: | ||
| Average total assets | $5,382,697,000 | 182 |
| Average earning assets | $4,950,788,500 | 179 |
| Average equity | $547,614,000 | 198 |
| Average total loans | $4,332,821,500 | 166 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8942% | 4,140 |
| Cost of funding earning assets | 0.3527% | 4,224 |
| Net interest margin | 3.5415% | 3,633 |
| Noninterest income to average assets | 0.9866% | 1,244 |
| Noninterest expense to average assets | 2.2001% | 5,357 |
| Loan and lease loss provision to assets | 0.3173% | 633 |
| Net operating income to assets | 1.1364% | 1,834 |
| Return on assets (ROA) | 1.0922% | 2,061 |
| Pretax return on assets | 1.6381% | 1,129 |
| Return on Equity (ROE) | 11.1554% | 1,674 |
| Retained earnings to average equity (ytd only) | 3.3454% | 3,835 |
| Net charge-offs to loans | 0.3254% | 1,353 |
| Credit loss provision to net charge-offs | 119.6784% | 2,009 |
| Earnings coverage of net charge-offs (x) | 7.6250% | 3,008 |
| Efficiency ratio | 51.5360% | 6,013 |
| Assets per employee ($millions) | 5.5243% | 1,746 |
| Cash dividends to net income (ytd only)* | 70.0109% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 5,264 |
| Loan loss allowance to noncurrent loans | 76.7768% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.3112% | 2,148 |
| Noncurrent loans to loans | 1.2464% | 2,368 |
| Net loans and leases to total assets | 79.7414% | 770 |
| Net loans and leases to deposits | 100.4244% | 601 |
| Net loans and leases to core deposits | 113.4430% | 626 |
| Total domestic deposits to total assets | 79.4044% | 5,158 |
| Equity capital to assets | 9.5777% | 4,622 |
| Core capital (leverage) ratio | 9.4450% | 4,310 |
| Tier 1 risk-based capital ratio | 11.5366% | 5,639 |
| Total risk-based capital ratio | 12.5058% | 5,715 |
| Memoranda: | ||
| Average total assets | $5,231,250,200 | 180 |
| Average earning assets | $4,778,389,400 | 177 |
| Average equity | $512,164,400 | 201 |
| Average total loans | $4,262,079,400 | 164 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9095% | 4,140 |
| Cost of funding earning assets | 0.3575% | 4,263 |
| Net interest margin | 3.5520% | 3,619 |
| Noninterest income to average assets | 1.0118% | 1,198 |
| Noninterest expense to average assets | 2.1892% | 5,374 |
| Loan and lease loss provision to assets | 0.3466% | 511 |
| Net operating income to assets | 1.1417% | 1,891 |
| Return on assets (ROA) | 1.0700% | 2,221 |
| Pretax return on assets | 1.6079% | 1,301 |
| Return on Equity (ROE) | 10.8674% | 1,848 |
| Retained earnings to average equity (ytd only) | 0.4165% | 5,685 |
| Net charge-offs to loans | 0.3418% | 1,172 |
| Credit loss provision to net charge-offs | 124.0858% | 1,853 |
| Earnings coverage of net charge-offs (x) | 7.3808% | 2,933 |
| Efficiency ratio | 50.9211% | 6,055 |
| Assets per employee ($millions) | 5.2716% | 1,932 |
| Cash dividends to net income (ytd only)* | 96.1677% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 5,430 |
| Loan loss allowance to noncurrent loans | 79.9467% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.3162% | 2,348 |
| Noncurrent loans to loans | 1.1880% | 2,677 |
| Net loans and leases to total assets | 81.4828% | 561 |
| Net loans and leases to deposits | 106.3067% | 318 |
| Net loans and leases to core deposits | 121.9075% | 352 |
| Total domestic deposits to total assets | 76.6488% | 5,738 |
| Equity capital to assets | 9.6670% | 4,587 |
| Core capital (leverage) ratio | 9.4169% | 4,491 |
| Tier 1 risk-based capital ratio | 11.0914% | 5,953 |
| Total risk-based capital ratio | 12.0533% | 6,036 |
| Memoranda: | ||
| Average total assets | $5,182,837,500 | 180 |
| Average earning assets | $4,726,023,750 | 177 |
| Average equity | $510,310,750 | 201 |
| Average total loans | $4,235,677,250 | 162 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 4,118 |
| Cost of funding earning assets | 0.3622% | 4,297 |
| Net interest margin | 3.5428% | 3,605 |
| Noninterest income to average assets | 1.0055% | 1,185 |
| Noninterest expense to average assets | 2.1937% | 5,429 |
| Loan and lease loss provision to assets | 0.3857% | 445 |
| Net operating income to assets | 1.0974% | 1,954 |
| Return on assets (ROA) | 1.0817% | 2,070 |
| Pretax return on assets | 1.6308% | 1,177 |
| Return on Equity (ROE) | 10.9171% | 1,765 |
| Retained earnings to average equity (ytd only) | -1.2755% | 5,893 |
| Net charge-offs to loans | 0.3803% | 1,063 |
| Credit loss provision to net charge-offs | 124.3654% | 1,678 |
| Earnings coverage of net charge-offs (x) | 6.5789% | 2,749 |
| Efficiency ratio | 51.2214% | 6,112 |
| Assets per employee ($millions) | 5.1272% | 2,051 |
| Cash dividends to net income (ytd only)* | 111.6835% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9667% | 5,501 |
| Loan loss allowance to noncurrent loans | 90.1863% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.2247% | 2,642 |
| Noncurrent loans to loans | 1.0719% | 3,085 |
| Net loans and leases to total assets | 80.8755% | 585 |
| Net loans and leases to deposits | 103.0368% | 398 |
| Net loans and leases to core deposits | 118.3480% | 412 |
| Total domestic deposits to total assets | 78.4918% | 5,551 |
| Equity capital to assets | 9.8073% | 4,339 |
| Core capital (leverage) ratio | 9.5011% | 4,329 |
| Tier 1 risk-based capital ratio | 11.3120% | 5,899 |
| Total risk-based capital ratio | 12.3001% | 5,970 |
| Memoranda: | ||
| Average total assets | $5,132,161,670 | 182 |
| Average earning assets | $4,676,743,670 | 176 |
| Average equity | $508,507,330 | 200 |
| Average total loans | $4,184,676,670 | 162 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9650% | 3,835 |
| Cost of funding earning assets | 0.3663% | 4,364 |
| Net interest margin | 3.5987% | 3,249 |
| Noninterest income to average assets | 0.9680% | 1,205 |
| Noninterest expense to average assets | 2.1884% | 5,489 |
| Loan and lease loss provision to assets | 0.2759% | 748 |
| Net operating income to assets | 1.1726% | 1,561 |
| Return on assets (ROA) | 1.1491% | 1,703 |
| Pretax return on assets | 1.7480% | 883 |
| Return on Equity (ROE) | 11.5377% | 1,537 |
| Retained earnings to average equity (ytd only) | -0.2716% | 5,608 |
| Net charge-offs to loans | 0.3115% | 1,137 |
| Credit loss provision to net charge-offs | 108.7118% | 1,552 |
| Earnings coverage of net charge-offs (x) | 8.1143% | 2,058 |
| Efficiency ratio | 50.9239% | 6,199 |
| Assets per employee ($millions) | 5.1365% | 2,089 |
| Cash dividends to net income (ytd only)* | 102.3541% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 5,729 |
| Loan loss allowance to noncurrent loans | 77.5926% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 2,624 |
| Noncurrent loans to loans | 1.2144% | 3,018 |
| Net loans and leases to total assets | 80.7728% | 475 |
| Net loans and leases to deposits | 100.1166% | 431 |
| Net loans and leases to core deposits | 117.7936% | 370 |
| Total domestic deposits to total assets | 80.6787% | 5,321 |
| Equity capital to assets | 9.9581% | 3,892 |
| Core capital (leverage) ratio | 9.6490% | 4,064 |
| Tier 1 risk-based capital ratio | 11.5014% | 5,915 |
| Total risk-based capital ratio | 12.4592% | 6,014 |
| Memoranda: | ||
| Average total assets | $5,101,312,000 | 182 |
| Average earning assets | $4,649,492,000 | 177 |
| Average equity | $508,072,000 | 202 |
| Average total loans | $4,156,232,000 | 162 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 3,907 |
| Cost of funding earning assets | 0.4183% | 4,449 |
| Net interest margin | 3.6359% | 3,304 |
| Noninterest income to average assets | 1.0721% | 1,231 |
| Noninterest expense to average assets | 2.3133% | 5,337 |
| Loan and lease loss provision to assets | 0.2277% | 1,598 |
| Net operating income to assets | 1.2552% | 1,377 |
| Return on assets (ROA) | 1.2406% | 1,480 |
| Pretax return on assets | 1.8174% | 729 |
| Return on Equity (ROE) | 12.5850% | 1,257 |
| Retained earnings to average equity (ytd only) | 2.1303% | 4,728 |
| Net charge-offs to loans | 0.2397% | 2,537 |
| Credit loss provision to net charge-offs | 117.4892% | 2,050 |
| Earnings coverage of net charge-offs (x) | 10.6620% | 2,333 |
| Efficiency ratio | 52.1296% | 6,284 |
| Assets per employee ($millions) | 5.1225% | 2,043 |
| Cash dividends to net income (ytd only)* | 83.0726% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 5,776 |
| Loan loss allowance to noncurrent loans | 98.3262% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.1406% | 3,115 |
| Noncurrent loans to loans | 0.9605% | 3,593 |
| Net loans and leases to total assets | 80.6371% | 530 |
| Net loans and leases to deposits | 98.3529% | 571 |
| Net loans and leases to core deposits | 114.6304% | 454 |
| Total domestic deposits to total assets | 81.9876% | 4,879 |
| Equity capital to assets | 9.9611% | 3,823 |
| Core capital (leverage) ratio | 9.7393% | 3,926 |
| Tier 1 risk-based capital ratio | 11.5451% | 5,883 |
| Total risk-based capital ratio | 12.5086% | 5,985 |
| Memoranda: | ||
| Average total assets | $4,997,125,600 | 178 |
| Average earning assets | $4,546,160,200 | 173 |
| Average equity | $492,600,800 | 199 |
| Average total loans | $4,041,103,800 | 158 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 3,956 |
| Cost of funding earning assets | 0.4274% | 4,521 |
| Net interest margin | 3.6169% | 3,376 |
| Noninterest income to average assets | 1.0932% | 1,222 |
| Noninterest expense to average assets | 2.3078% | 5,313 |
| Loan and lease loss provision to assets | 0.2093% | 1,738 |
| Net operating income to assets | 1.2745% | 1,417 |
| Return on assets (ROA) | 1.2632% | 1,516 |
| Pretax return on assets | 1.8483% | 806 |
| Return on Equity (ROE) | 12.8488% | 1,271 |
| Retained earnings to average equity (ytd only) | 2.6284% | 4,754 |
| Net charge-offs to loans | 0.2093% | 2,572 |
| Credit loss provision to net charge-offs | 123.8465% | 1,901 |
| Earnings coverage of net charge-offs (x) | 12.2738% | 2,151 |
| Efficiency ratio | 51.9769% | 6,255 |
| Assets per employee ($millions) | 4.9662% | 2,211 |
| Cash dividends to net income (ytd only)* | 79.5435% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 5,915 |
| Loan loss allowance to noncurrent loans | 93.6072% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.2723% | 3,102 |
| Noncurrent loans to loans | 1.0170% | 3,772 |
| Net loans and leases to total assets | 80.8019% | 472 |
| Net loans and leases to deposits | 97.3020% | 605 |
| Net loans and leases to core deposits | 112.2551% | 497 |
| Total domestic deposits to total assets | 83.0424% | 4,556 |
| Equity capital to assets | 9.8900% | 4,067 |
| Core capital (leverage) ratio | 9.7882% | 3,977 |
| Tier 1 risk-based capital ratio | 11.5914% | 6,012 |
| Total risk-based capital ratio | 12.5583% | 6,109 |
| Memoranda: | ||
| Average total assets | $4,976,021,250 | 177 |
| Average earning assets | $4,524,599,250 | 172 |
| Average equity | $489,206,000 | 197 |
| Average total loans | $4,017,210,500 | 156 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,970 |
| Cost of funding earning assets | 0.4339% | 4,620 |
| Net interest margin | 3.6043% | 3,339 |
| Noninterest income to average assets | 1.1037% | 1,244 |
| Noninterest expense to average assets | 2.2988% | 5,373 |
| Loan and lease loss provision to assets | 0.1764% | 2,150 |
| Net operating income to assets | 1.3057% | 1,312 |
| Return on assets (ROA) | 1.2885% | 1,449 |
| Pretax return on assets | 1.8809% | 772 |
| Return on Equity (ROE) | 13.1330% | 1,216 |
| Retained earnings to average equity (ytd only) | 2.8712% | 4,487 |
| Net charge-offs to loans | 0.1962% | 2,587 |
| Credit loss provision to net charge-offs | 111.7887% | 1,987 |
| Earnings coverage of net charge-offs (x) | 13.1932% | 1,919 |
| Efficiency ratio | 51.7810% | 6,295 |
| Assets per employee ($millions) | 5.0167% | 2,097 |
| Cash dividends to net income (ytd only)* | 78.1372% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 6,027 |
| Loan loss allowance to noncurrent loans | 94.9625% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 3,262 |
| Noncurrent loans to loans | 0.9894% | 3,959 |
| Net loans and leases to total assets | 78.8858% | 652 |
| Net loans and leases to deposits | 98.6466% | 506 |
| Net loans and leases to core deposits | 111.0381% | 524 |
| Total domestic deposits to total assets | 79.9680% | 5,610 |
| Equity capital to assets | 9.7021% | 4,310 |
| Core capital (leverage) ratio | 9.8055% | 3,783 |
| Tier 1 risk-based capital ratio | 11.7363% | 5,966 |
| Total risk-based capital ratio | 12.6917% | 6,105 |
| Memoranda: | ||
| Average total assets | $4,966,055,000 | 177 |
| Average earning assets | $4,515,694,330 | 171 |
| Average equity | $487,245,670 | 197 |
| Average total loans | $3,995,028,670 | 154 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 3,634 |
| Cost of funding earning assets | 0.4403% | 4,700 |
| Net interest margin | 3.6825% | 2,936 |
| Noninterest income to average assets | 1.1302% | 1,171 |
| Noninterest expense to average assets | 2.3207% | 5,368 |
| Loan and lease loss provision to assets | 0.2377% | 1,531 |
| Net operating income to assets | 1.3029% | 1,265 |
| Return on assets (ROA) | 1.2687% | 1,459 |
| Pretax return on assets | 1.8657% | 780 |
| Return on Equity (ROE) | 12.8569% | 1,202 |
| Retained earnings to average equity (ytd only) | 2.5595% | 4,747 |
| Net charge-offs to loans | 0.2653% | 1,897 |
| Credit loss provision to net charge-offs | 110.7995% | 1,685 |
| Earnings coverage of net charge-offs (x) | 10.0394% | 1,778 |
| Efficiency ratio | 51.1836% | 6,425 |
| Assets per employee ($millions) | 4.9183% | 2,324 |
| Cash dividends to net income (ytd only)* | 80.0923% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 6,134 |
| Loan loss allowance to noncurrent loans | 81.6341% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.4599% | 3,067 |
| Noncurrent loans to loans | 1.1636% | 3,832 |
| Net loans and leases to total assets | 79.9964% | 426 |
| Net loans and leases to deposits | 96.5367% | 511 |
| Net loans and leases to core deposits | 106.7880% | 615 |
| Total domestic deposits to total assets | 82.8664% | 4,902 |
| Equity capital to assets | 9.9313% | 4,238 |
| Core capital (leverage) ratio | 9.7680% | 3,702 |
| Tier 1 risk-based capital ratio | 11.8199% | 6,019 |
| Total risk-based capital ratio | 12.7830% | 6,137 |
| Memoranda: | ||
| Average total assets | $4,920,653,500 | 180 |
| Average earning assets | $4,468,691,000 | 175 |
| Average equity | $485,559,000 | 200 |
| Average total loans | $3,979,055,500 | 159 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3683% | 3,952 |
| Cost of funding earning assets | 0.4608% | 5,494 |
| Net interest margin | 3.9075% | 2,794 |
| Noninterest income to average assets | 1.0482% | 1,412 |
| Noninterest expense to average assets | 2.5245% | 5,011 |
| Loan and lease loss provision to assets | 0.2209% | 2,924 |
| Net operating income to assets | 1.2543% | 1,436 |
| Return on assets (ROA) | 1.2114% | 1,728 |
| Pretax return on assets | 1.7814% | 952 |
| Return on Equity (ROE) | 12.3594% | 1,400 |
| Retained earnings to average equity (ytd only) | 2.0693% | 4,766 |
| Net charge-offs to loans | 0.2604% | 3,379 |
| Credit loss provision to net charge-offs | 108.4300% | 2,716 |
| Earnings coverage of net charge-offs (x) | 10.1376% | 2,173 |
| Efficiency ratio | 54.1398% | 6,253 |
| Assets per employee ($millions) | 4.9477% | 2,296 |
| Cash dividends to net income (ytd only)* | 83.2576% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 6,173 |
| Loan loss allowance to noncurrent loans | 75.5341% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.5107% | 3,119 |
| Noncurrent loans to loans | 1.2388% | 3,776 |
| Net loans and leases to total assets | 80.2070% | 455 |
| Net loans and leases to deposits | 97.3092% | 545 |
| Net loans and leases to core deposits | 107.0575% | 648 |
| Total domestic deposits to total assets | 82.4249% | 4,958 |
| Equity capital to assets | 9.8046% | 4,443 |
| Core capital (leverage) ratio | 9.7648% | 3,706 |
| Tier 1 risk-based capital ratio | 11.7540% | 5,929 |
| Total risk-based capital ratio | 12.7083% | 6,096 |
| Memoranda: | ||
| Average total assets | $4,908,055,200 | 174 |
| Average earning assets | $4,448,650,800 | 172 |
| Average equity | $481,043,400 | 199 |
| Average total loans | $3,839,645,000 | 155 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 4,032 |
| Cost of funding earning assets | 0.4630% | 5,697 |
| Net interest margin | 3.9407% | 2,752 |
| Noninterest income to average assets | 1.0521% | 1,370 |
| Noninterest expense to average assets | 2.5713% | 4,841 |
| Loan and lease loss provision to assets | 0.1862% | 3,260 |
| Net operating income to assets | 1.2693% | 1,515 |
| Return on assets (ROA) | 1.2236% | 1,832 |
| Pretax return on assets | 1.7994% | 1,048 |
| Return on Equity (ROE) | 12.4856% | 1,472 |
| Retained earnings to average equity (ytd only) | 2.2165% | 5,228 |
| Net charge-offs to loans | 0.2232% | 3,384 |
| Credit loss provision to net charge-offs | 107.6234% | 2,734 |
| Earnings coverage of net charge-offs (x) | 11.8633% | 2,047 |
| Efficiency ratio | 54.7492% | 6,170 |
| Assets per employee ($millions) | 4.6982% | 2,602 |
| Cash dividends to net income (ytd only)* | 82.2478% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 6,248 |
| Loan loss allowance to noncurrent loans | 71.8760% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.6176% | 3,162 |
| Noncurrent loans to loans | 1.3206% | 3,829 |
| Net loans and leases to total assets | 79.2043% | 577 |
| Net loans and leases to deposits | 92.8525% | 888 |
| Net loans and leases to core deposits | 102.9652% | 935 |
| Total domestic deposits to total assets | 85.3012% | 3,615 |
| Equity capital to assets | 9.9404% | 4,589 |
| Core capital (leverage) ratio | 9.8388% | 3,768 |
| Tier 1 risk-based capital ratio | 11.8869% | 6,003 |
| Total risk-based capital ratio | 12.8498% | 6,142 |
| Memoranda: | ||
| Average total assets | $4,901,862,750 | 176 |
| Average earning assets | $4,443,287,750 | 174 |
| Average equity | $480,393,250 | 202 |
| Average total loans | $3,801,095,000 | 155 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 4,170 |
| Cost of funding earning assets | 0.4637% | 5,879 |
| Net interest margin | 3.9409% | 2,747 |
| Noninterest income to average assets | 1.0234% | 1,395 |
| Noninterest expense to average assets | 2.5020% | 5,130 |
| Loan and lease loss provision to assets | 0.1571% | 3,549 |
| Net operating income to assets | 1.3180% | 1,396 |
| Return on assets (ROA) | 1.2758% | 1,666 |
| Pretax return on assets | 1.8762% | 894 |
| Return on Equity (ROE) | 13.0798% | 1,343 |
| Retained earnings to average equity (ytd only) | 2.8488% | 4,728 |
| Net charge-offs to loans | 0.2101% | 3,309 |
| Credit loss provision to net charge-offs | 97.4229% | 2,845 |
| Earnings coverage of net charge-offs (x) | 12.9975% | 1,834 |
| Efficiency ratio | 53.5607% | 6,357 |
| Assets per employee ($millions) | 4.6478% | 2,646 |
| Cash dividends to net income (ytd only)* | 78.2198% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 6,283 |
| Loan loss allowance to noncurrent loans | 102.4266% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 1.2842% | 3,860 |
| Noncurrent loans to loans | 0.9407% | 4,631 |
| Net loans and leases to total assets | 77.1627% | 820 |
| Net loans and leases to deposits | 90.7652% | 1,072 |
| Net loans and leases to core deposits | 100.8999% | 1,046 |
| Total domestic deposits to total assets | 85.0135% | 3,852 |
| Equity capital to assets | 9.9495% | 4,419 |
| Core capital (leverage) ratio | 9.7458% | 3,783 |
| Tier 1 risk-based capital ratio | 12.2827% | 5,737 |
| Total risk-based capital ratio | 13.2666% | 5,900 |
| Memoranda: | ||
| Average total assets | $4,910,242,330 | 176 |
| Average earning assets | $4,453,052,000 | 173 |
| Average equity | $478,936,000 | 201 |
| Average total loans | $3,768,263,330 | 156 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 5,052 |
| Cost of funding earning assets | 0.5355% | 5,579 |
| Net interest margin | 3.6802% | 3,922 |
| Noninterest income to average assets | 1.1456% | 1,079 |
| Noninterest expense to average assets | 2.6500% | 4,624 |
| Loan and lease loss provision to assets | 0.1206% | 3,837 |
| Net operating income to assets | 1.1871% | 1,779 |
| Return on assets (ROA) | 1.1300% | 2,140 |
| Pretax return on assets | 1.6618% | 1,398 |
| Return on Equity (ROE) | 14.2130% | 1,141 |
| Retained earnings to average equity (ytd only) | 3.0721% | 4,716 |
| Net charge-offs to loans | 0.1195% | 3,394 |
| Credit loss provision to net charge-offs | 133.2925% | 1,835 |
| Earnings coverage of net charge-offs (x) | 20.6328% | 1,186 |
| Efficiency ratio | 58.6757% | 5,820 |
| Assets per employee ($millions) | 4.1525% | 3,682 |
| Cash dividends to net income (ytd only)* | 78.3853% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,908 |
| Loan loss allowance to noncurrent loans | 122.2946% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 1.3358% | 3,889 |
| Noncurrent loans to loans | 1.0839% | 4,526 |
| Net loans and leases to total assets | 74.9569% | 926 |
| Net loans and leases to deposits | 87.4269% | 1,238 |
| Net loans and leases to core deposits | 98.7495% | 1,067 |
| Total domestic deposits to total assets | 85.7366% | 3,666 |
| Equity capital to assets | 8.0167% | 6,511 |
| Core capital (leverage) ratio | 9.5226% | 4,021 |
| Tier 1 risk-based capital ratio | 12.4748% | 5,625 |
| Total risk-based capital ratio | 13.7259% | 5,587 |
| Memoranda: | ||
| Average total assets | $3,612,810,000 | 221 |
| Average earning assets | $3,309,032,000 | 211 |
| Average equity | $287,229,000 | 278 |
| Average total loans | $2,734,546,500 | 189 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6109% | 4,635 |
| Cost of funding earning assets | 0.6235% | 5,972 |
| Net interest margin | 3.9874% | 2,948 |
| Noninterest income to average assets | 1.2360% | 855 |
| Noninterest expense to average assets | 2.5501% | 5,295 |
| Loan and lease loss provision to assets | 0.1673% | 4,550 |
| Net operating income to assets | 1.4696% | 888 |
| Return on assets (ROA) | 1.3094% | 1,331 |
| Pretax return on assets | 1.9115% | 646 |
| Return on Equity (ROE) | 16.0833% | 587 |
| Retained earnings to average equity (ytd only) | 3.5793% | 3,685 |
| Net charge-offs to loans | 0.2518% | 4,202 |
| Credit loss provision to net charge-offs | 86.6960% | 4,171 |
| Earnings coverage of net charge-offs (x) | 11.9748% | 1,664 |
| Efficiency ratio | 52.4588% | 6,665 |
| Assets per employee ($millions) | 4.3211% | 3,214 |
| Cash dividends to net income (ytd only)* | 77.7454% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 4,830 |
| Loan loss allowance to noncurrent loans | 113.2939% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4309% | 3,844 |
| Noncurrent loans to loans | 1.1615% | 4,429 |
| Net loans and leases to total assets | 74.4262% | 1,193 |
| Net loans and leases to deposits | 89.2324% | 1,237 |
| Net loans and leases to core deposits | 100.5004% | 1,134 |
| Total domestic deposits to total assets | 83.4072% | 4,590 |
| Equity capital to assets | 7.8843% | 6,643 |
| Core capital (leverage) ratio | 9.5298% | 3,978 |
| Tier 1 risk-based capital ratio | 12.3409% | 5,586 |
| Total risk-based capital ratio | 13.5918% | 5,556 |
| Memoranda: | ||
| Average total assets | $3,536,403,800 | 218 |
| Average earning assets | $3,215,093,800 | 208 |
| Average equity | $287,908,000 | 269 |
| Average total loans | $2,710,104,200 | 188 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 4,523 |
| Cost of funding earning assets | 0.6417% | 6,078 |
| Net interest margin | 4.0440% | 2,719 |
| Noninterest income to average assets | 1.2493% | 830 |
| Noninterest expense to average assets | 2.5443% | 5,304 |
| Loan and lease loss provision to assets | 0.1765% | 4,270 |
| Net operating income to assets | 1.5057% | 921 |
| Return on assets (ROA) | 1.3453% | 1,370 |
| Pretax return on assets | 1.9640% | 674 |
| Return on Equity (ROE) | 16.3911% | 624 |
| Retained earnings to average equity (ytd only) | 3.9099% | 3,937 |
| Net charge-offs to loans | 0.2776% | 3,691 |
| Credit loss provision to net charge-offs | 82.5963% | 4,051 |
| Earnings coverage of net charge-offs (x) | 11.1227% | 1,841 |
| Efficiency ratio | 51.7067% | 6,705 |
| Assets per employee ($millions) | 4.2568% | 3,355 |
| Cash dividends to net income (ytd only)* | 76.1464% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 4,967 |
| Loan loss allowance to noncurrent loans | 117.6573% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 1.4324% | 3,971 |
| Noncurrent loans to loans | 1.1133% | 4,693 |
| Net loans and leases to total assets | 74.2467% | 1,294 |
| Net loans and leases to deposits | 89.7885% | 1,241 |
| Net loans and leases to core deposits | 100.2422% | 1,227 |
| Total domestic deposits to total assets | 82.6906% | 4,800 |
| Equity capital to assets | 8.0540% | 6,661 |
| Core capital (leverage) ratio | 9.5963% | 4,002 |
| Tier 1 risk-based capital ratio | 12.2495% | 5,704 |
| Total risk-based capital ratio | 13.5003% | 5,689 |
| Memoranda: | ||
| Average total assets | $3,514,153,500 | 218 |
| Average earning assets | $3,190,290,250 | 209 |
| Average equity | $288,425,250 | 270 |
| Average total loans | $2,704,072,250 | 189 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7487% | 4,309 |
| Cost of funding earning assets | 0.6577% | 6,186 |
| Net interest margin | 4.0910% | 2,444 |
| Noninterest income to average assets | 1.2646% | 785 |
| Noninterest expense to average assets | 2.5824% | 5,254 |
| Loan and lease loss provision to assets | 0.2107% | 3,804 |
| Net operating income to assets | 1.4913% | 906 |
| Return on assets (ROA) | 1.3923% | 1,166 |
| Pretax return on assets | 2.0325% | 556 |
| Return on Equity (ROE) | 16.8528% | 567 |
| Retained earnings to average equity (ytd only) | 4.2979% | 3,459 |
| Net charge-offs to loans | 0.3437% | 3,190 |
| Credit loss provision to net charge-offs | 79.0486% | 3,800 |
| Earnings coverage of net charge-offs (x) | 8.9637% | 1,984 |
| Efficiency ratio | 51.9467% | 6,787 |
| Assets per employee ($millions) | 4.0679% | 3,611 |
| Cash dividends to net income (ytd only)* | 74.4971% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 4,970 |
| Loan loss allowance to noncurrent loans | 127.3578% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 1.4632% | 4,022 |
| Noncurrent loans to loans | 1.0360% | 4,924 |
| Net loans and leases to total assets | 77.2389% | 879 |
| Net loans and leases to deposits | 91.8484% | 1,077 |
| Net loans and leases to core deposits | 102.2726% | 1,162 |
| Total domestic deposits to total assets | 84.0939% | 4,305 |
| Equity capital to assets | 8.3348% | 6,379 |
| Core capital (leverage) ratio | 9.8716% | 3,423 |
| Tier 1 risk-based capital ratio | 12.2157% | 5,595 |
| Total risk-based capital ratio | 13.4662% | 5,578 |
| Memoranda: | ||
| Average total assets | $3,470,917,000 | 223 |
| Average earning assets | $3,144,766,670 | 217 |
| Average equity | $286,742,000 | 274 |
| Average total loans | $2,691,644,330 | 194 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 4,092 |
| Cost of funding earning assets | 0.6757% | 6,269 |
| Net interest margin | 4.1169% | 2,205 |
| Noninterest income to average assets | 1.2122% | 866 |
| Noninterest expense to average assets | 2.6774% | 4,930 |
| Loan and lease loss provision to assets | 0.1909% | 3,717 |
| Net operating income to assets | 1.4198% | 1,031 |
| Return on assets (ROA) | 1.4080% | 1,085 |
| Pretax return on assets | 2.0554% | 506 |
| Return on Equity (ROE) | 17.1197% | 552 |
| Retained earnings to average equity (ytd only) | 5.8983% | 2,703 |
| Net charge-offs to loans | 0.3977% | 2,499 |
| Credit loss provision to net charge-offs | 62.1947% | 3,510 |
| Earnings coverage of net charge-offs (x) | 7.3732% | 1,959 |
| Efficiency ratio | 54.1899% | 6,675 |
| Assets per employee ($millions) | 4.0392% | 3,760 |
| Cash dividends to net income (ytd only)* | 65.5469% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 4,957 |
| Loan loss allowance to noncurrent loans | 119.5662% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 1.5584% | 3,913 |
| Noncurrent loans to loans | 1.1190% | 4,836 |
| Net loans and leases to total assets | 76.2653% | 995 |
| Net loans and leases to deposits | 89.3408% | 1,315 |
| Net loans and leases to core deposits | 99.4118% | 1,390 |
| Total domestic deposits to total assets | 85.3645% | 3,853 |
| Equity capital to assets | 8.2774% | 6,189 |
| Core capital (leverage) ratio | 9.9254% | 3,237 |
| Tier 1 risk-based capital ratio | 12.3805% | 5,365 |
| Total risk-based capital ratio | 13.6317% | 5,353 |
| Memoranda: | ||
| Average total assets | $3,467,357,000 | 222 |
| Average earning assets | $3,140,319,000 | 220 |
| Average equity | $285,169,000 | 269 |
| Average total loans | $2,676,307,500 | 193 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 5,356 |
| Cost of funding earning assets | 1.2114% | 4,484 |
| Net interest margin | 3.6059% | 4,791 |
| Noninterest income to average assets | 1.1619% | 1,092 |
| Noninterest expense to average assets | 2.4901% | 5,839 |
| Loan and lease loss provision to assets | 0.3214% | 4,246 |
| Net operating income to assets | 1.1313% | 1,608 |
| Return on assets (ROA) | 1.0849% | 1,836 |
| Pretax return on assets | 1.5729% | 1,200 |
| Return on Equity (ROE) | 14.4897% | 795 |
| Retained earnings to average equity (ytd only) | 2.0257% | 4,452 |
| Net charge-offs to loans | 0.3829% | 4,126 |
| Credit loss provision to net charge-offs | 112.0098% | 3,905 |
| Earnings coverage of net charge-offs (x) | 6.8362% | 2,262 |
| Efficiency ratio | 55.9357% | 6,604 |
| Assets per employee ($millions) | 4.0058% | 3,776 |
| Cash dividends to net income (ytd only)* | 86.0199% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,607 |
| Loan loss allowance to noncurrent loans | 140.0547% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 1.4710% | 4,118 |
| Noncurrent loans to loans | 0.9863% | 5,086 |
| Net loans and leases to total assets | 76.0073% | 1,270 |
| Net loans and leases to deposits | 88.4020% | 1,737 |
| Net loans and leases to core deposits | 98.1159% | 1,788 |
| Total domestic deposits to total assets | 85.9792% | 3,368 |
| Equity capital to assets | 8.1713% | 6,294 |
| Core capital (leverage) ratio | 9.0892% | 4,377 |
| Tier 1 risk-based capital ratio | 12.2244% | 5,279 |
| Total risk-based capital ratio | 13.4760% | 5,243 |
| Memoranda: | ||
| Average total assets | $3,696,853,600 | 212 |
| Average earning assets | $3,372,785,000 | 207 |
| Average equity | $276,795,800 | 270 |
| Average total loans | $2,770,453,000 | 188 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8099% | 5,615 |
| Cost of funding earning assets | 1.2508% | 4,568 |
| Net interest margin | 3.5590% | 5,065 |
| Noninterest income to average assets | 1.1438% | 1,073 |
| Noninterest expense to average assets | 2.4186% | 5,974 |
| Loan and lease loss provision to assets | 0.2955% | 4,214 |
| Net operating income to assets | 1.1603% | 1,705 |
| Return on assets (ROA) | 1.1603% | 1,797 |
| Pretax return on assets | 1.6796% | 1,155 |
| Return on Equity (ROE) | 15.8304% | 730 |
| Retained earnings to average equity (ytd only) | 2.2654% | 4,808 |
| Net charge-offs to loans | 0.3918% | 3,721 |
| Credit loss provision to net charge-offs | 101.2903% | 4,257 |
| Earnings coverage of net charge-offs (x) | 6.7709% | 2,452 |
| Efficiency ratio | 55.0470% | 6,675 |
| Assets per employee ($millions) | 4.2151% | 3,421 |
| Cash dividends to net income (ytd only)* | 85.6898% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 4,804 |
| Loan loss allowance to noncurrent loans | 114.1830% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 1.5511% | 4,119 |
| Noncurrent loans to loans | 1.1633% | 4,920 |
| Net loans and leases to total assets | 71.0521% | 2,477 |
| Net loans and leases to deposits | 91.5703% | 1,507 |
| Net loans and leases to core deposits | 101.4453% | 1,703 |
| Total domestic deposits to total assets | 77.5929% | 6,349 |
| Equity capital to assets | 7.5075% | 7,123 |
| Core capital (leverage) ratio | 8.9652% | 4,745 |
| Tier 1 risk-based capital ratio | 12.1033% | 5,365 |
| Total risk-based capital ratio | 13.3542% | 5,328 |
| Memoranda: | ||
| Average total assets | $3,754,810,000 | 209 |
| Average earning assets | $3,428,757,000 | 201 |
| Average equity | $275,210,500 | 268 |
| Average total loans | $2,795,425,250 | 183 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8645% | 5,560 |
| Cost of funding earning assets | 1.2825% | 4,633 |
| Net interest margin | 3.5820% | 4,892 |
| Noninterest income to average assets | 1.1182% | 1,048 |
| Noninterest expense to average assets | 2.4328% | 5,967 |
| Loan and lease loss provision to assets | 0.3568% | 3,579 |
| Net operating income to assets | 1.0976% | 1,862 |
| Return on assets (ROA) | 1.1016% | 1,917 |
| Pretax return on assets | 1.6082% | 1,281 |
| Return on Equity (ROE) | 15.1516% | 829 |
| Retained earnings to average equity (ytd only) | 0.5258% | 5,551 |
| Net charge-offs to loans | 0.4479% | 3,189 |
| Credit loss provision to net charge-offs | 105.8527% | 3,852 |
| Earnings coverage of net charge-offs (x) | 5.8127% | 2,591 |
| Efficiency ratio | 55.3921% | 6,716 |
| Assets per employee ($millions) | 4.4162% | 3,027 |
| Cash dividends to net income (ytd only)* | 96.5298% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 4,874 |
| Loan loss allowance to noncurrent loans | 101.8395% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.5413% | 4,148 |
| Noncurrent loans to loans | 1.2831% | 4,816 |
| Net loans and leases to total assets | 73.1812% | 2,115 |
| Net loans and leases to deposits | 93.3894% | 1,357 |
| Net loans and leases to core deposits | 103.1648% | 1,718 |
| Total domestic deposits to total assets | 78.3614% | 6,185 |
| Equity capital to assets | 7.4232% | 7,163 |
| Core capital (leverage) ratio | 8.8274% | 4,867 |
| Tier 1 risk-based capital ratio | 11.7371% | 5,556 |
| Total risk-based capital ratio | 12.9879% | 5,512 |
| Memoranda: | ||
| Average total assets | $3,761,565,000 | 207 |
| Average earning assets | $3,437,846,330 | 200 |
| Average equity | $273,490,000 | 270 |
| Average total loans | $2,830,836,330 | 184 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 5,493 |
| Cost of funding earning assets | 1.3120% | 4,737 |
| Net interest margin | 3.5811% | 4,808 |
| Noninterest income to average assets | 1.0863% | 1,076 |
| Noninterest expense to average assets | 2.4056% | 6,059 |
| Loan and lease loss provision to assets | 0.3860% | 3,047 |
| Net operating income to assets | 1.0742% | 1,916 |
| Return on assets (ROA) | 1.0784% | 1,979 |
| Pretax return on assets | 1.5743% | 1,329 |
| Return on Equity (ROE) | 14.9861% | 881 |
| Retained earnings to average equity (ytd only) | -1.1675% | 6,073 |
| Net charge-offs to loans | 0.4851% | 2,606 |
| Credit loss provision to net charge-offs | 104.9713% | 3,264 |
| Earnings coverage of net charge-offs (x) | 5.3141% | 2,427 |
| Efficiency ratio | 55.1772% | 6,864 |
| Assets per employee ($millions) | 4.5739% | 2,848 |
| Cash dividends to net income (ytd only)* | 107.7903% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 5,152 |
| Loan loss allowance to noncurrent loans | 106.7184% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 4,291 |
| Noncurrent loans to loans | 1.1806% | 5,003 |
| Net loans and leases to total assets | 73.1107% | 2,175 |
| Net loans and leases to deposits | 93.6201% | 1,391 |
| Net loans and leases to core deposits | 106.5756% | 1,533 |
| Total domestic deposits to total assets | 78.0930% | 6,291 |
| Equity capital to assets | 7.1161% | 7,320 |
| Core capital (leverage) ratio | 8.7112% | 5,005 |
| Tier 1 risk-based capital ratio | 11.3061% | 5,848 |
| Total risk-based capital ratio | 12.5562% | 5,813 |
| Memoranda: | ||
| Average total assets | $3,785,350,500 | 209 |
| Average earning assets | $3,460,139,000 | 205 |
| Average equity | $272,385,500 | 274 |
| Average total loans | $2,869,288,000 | 188 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 6,284 |
| Cost of funding earning assets | 1.6113% | 4,981 |
| Net interest margin | 3.4358% | 5,232 |
| Noninterest income to average assets | 1.1408% | 1,182 |
| Noninterest expense to average assets | 2.2813% | 6,799 |
| Loan and lease loss provision to assets | 0.3219% | 4,882 |
| Net operating income to assets | 1.5438% | 618 |
| Return on assets (ROA) | 1.3001% | 1,082 |
| Pretax return on assets | 1.4342% | 1,348 |
| Return on Equity (ROE) | 19.0417% | 302 |
| Retained earnings to average equity (ytd only) | 2.9647% | 3,092 |
| Net charge-offs to loans | 0.3061% | 4,715 |
| Credit loss provision to net charge-offs | 141.5947% | 3,418 |
| Earnings coverage of net charge-offs (x) | 8.9024% | 1,869 |
| Efficiency ratio | 52.9889% | 7,321 |
| Assets per employee ($millions) | 4.3973% | 3,116 |
| Cash dividends to net income (ytd only)* | 84.4307% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 5,188 |
| Loan loss allowance to noncurrent loans | 121.5031% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 1.3783% | 4,356 |
| Noncurrent loans to loans | 1.0106% | 5,293 |
| Net loans and leases to total assets | 76.6479% | 1,658 |
| Net loans and leases to deposits | 97.8792% | 1,116 |
| Net loans and leases to core deposits | 116.7171% | 2,246 |
| Total domestic deposits to total assets | 78.3087% | 6,165 |
| Equity capital to assets | 7.2775% | 7,214 |
| Core capital (leverage) ratio | 8.5920% | 5,110 |
| Tier 1 risk-based capital ratio | 11.1013% | 5,831 |
| Total risk-based capital ratio | 12.3311% | 5,802 |
| Memoranda: | ||
| Average total assets | $3,971,981,000 | 210 |
| Average earning assets | $3,658,173,800 | 206 |
| Average equity | $271,194,000 | 274 |
| Average total loans | $2,949,956,600 | 196 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0275% | 6,521 |
| Cost of funding earning assets | 1.6530% | 5,148 |
| Net interest margin | 3.3745% | 5,368 |
| Noninterest income to average assets | 1.1271% | 1,240 |
| Noninterest expense to average assets | 2.2434% | 6,859 |
| Loan and lease loss provision to assets | 0.3162% | 4,447 |
| Net operating income to assets | 1.6436% | 613 |
| Return on assets (ROA) | 1.3512% | 1,184 |
| Pretax return on assets | 1.3845% | 1,742 |
| Return on Equity (ROE) | 20.0968% | 307 |
| Retained earnings to average equity (ytd only) | 4.0571% | 3,008 |
| Net charge-offs to loans | 0.2654% | 4,385 |
| Credit loss provision to net charge-offs | 162.1099% | 2,911 |
| Earnings coverage of net charge-offs (x) | 10.2495% | 1,984 |
| Efficiency ratio | 52.8803% | 7,341 |
| Assets per employee ($millions) | 4.5533% | 2,778 |
| Cash dividends to net income (ytd only)* | 79.8120% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2070% | 5,061 |
| Loan loss allowance to noncurrent loans | 103.8808% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.4584% | 4,193 |
| Noncurrent loans to loans | 1.1619% | 5,000 |
| Net loans and leases to total assets | 73.8184% | 2,582 |
| Net loans and leases to deposits | 96.3994% | 1,522 |
| Net loans and leases to core deposits | 117.4619% | 2,474 |
| Total domestic deposits to total assets | 76.5756% | 6,452 |
| Equity capital to assets | 7.0477% | 7,572 |
| Core capital (leverage) ratio | 8.4398% | 5,596 |
| Tier 1 risk-based capital ratio | 10.9895% | 5,962 |
| Total risk-based capital ratio | 12.2031% | 5,958 |
| Memoranda: | ||
| Average total assets | $4,030,541,750 | 215 |
| Average earning assets | $3,721,031,750 | 213 |
| Average equity | $270,988,750 | 281 |
| Average total loans | $2,962,317,250 | 205 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0598% | 6,583 |
| Cost of funding earning assets | 1.6953% | 5,291 |
| Net interest margin | 3.3645% | 5,298 |
| Noninterest income to average assets | 1.1070% | 1,297 |
| Noninterest expense to average assets | 2.2216% | 7,002 |
| Loan and lease loss provision to assets | 0.3281% | 3,970 |
| Net operating income to assets | 1.6976% | 572 |
| Return on assets (ROA) | 1.6920% | 630 |
| Pretax return on assets | 1.6571% | 1,099 |
| Return on Equity (ROE) | 25.5640% | 128 |
| Retained earnings to average equity (ytd only) | 8.4504% | 1,079 |
| Net charge-offs to loans | 0.2583% | 3,899 |
| Credit loss provision to net charge-offs | 173.7611% | 2,647 |
| Earnings coverage of net charge-offs (x) | 10.5438% | 1,983 |
| Efficiency ratio | 52.7398% | 7,457 |
| Assets per employee ($millions) | 4.5773% | 2,655 |
| Cash dividends to net income (ytd only)* | 66.9441% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 5,138 |
| Loan loss allowance to noncurrent loans | 130.8961% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2399% | 4,460 |
| Noncurrent loans to loans | 0.8948% | 5,425 |
| Net loans and leases to total assets | 75.0307% | 2,427 |
| Net loans and leases to deposits | 101.7783% | 1,094 |
| Net loans and leases to core deposits | 121.3244% | 2,253 |
| Total domestic deposits to total assets | 73.7198% | 6,994 |
| Equity capital to assets | 6.9479% | 7,637 |
| Core capital (leverage) ratio | 8.3898% | 5,641 |
| Tier 1 risk-based capital ratio | 10.5088% | 6,373 |
| Total risk-based capital ratio | 11.6322% | 6,434 |
| Memoranda: | ||
| Average total assets | $4,061,191,670 | 218 |
| Average earning assets | $3,748,538,670 | 213 |
| Average equity | $268,791,670 | 290 |
| Average total loans | $2,968,781,000 | 209 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 6,897 |
| Cost of funding earning assets | 1.7358% | 5,446 |
| Net interest margin | 3.2780% | 5,582 |
| Noninterest income to average assets | 1.0330% | 1,395 |
| Noninterest expense to average assets | 2.1211% | 7,070 |
| Loan and lease loss provision to assets | 0.3767% | 3,062 |
| Net operating income to assets | 2.1839% | 238 |
| Return on assets (ROA) | 2.1783% | 280 |
| Pretax return on assets | 1.5578% | 1,515 |
| Return on Equity (ROE) | 33.7010% | 68 |
| Retained earnings to average equity (ytd only) | 17.2651% | 261 |
| Net charge-offs to loans | 0.3474% | 2,696 |
| Credit loss provision to net charge-offs | 151.0844% | 2,762 |
| Earnings coverage of net charge-offs (x) | 7.7804% | 2,300 |
| Efficiency ratio | 52.2282% | 7,393 |
| Assets per employee ($millions) | 4.7925% | 2,305 |
| Cash dividends to net income (ytd only)* | 48.7697% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 5,349 |
| Loan loss allowance to noncurrent loans | 156.1470% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9617% | 4,792 |
| Noncurrent loans to loans | 0.7151% | 5,627 |
| Net loans and leases to total assets | 71.4474% | 3,366 |
| Net loans and leases to deposits | 101.9801% | 1,178 |
| Net loans and leases to core deposits | 120.7603% | 2,352 |
| Total domestic deposits to total assets | 70.0601% | 7,420 |
| Equity capital to assets | 6.7177% | 7,800 |
| Core capital (leverage) ratio | 8.0691% | 6,346 |
| Tier 1 risk-based capital ratio | 10.5236% | 6,374 |
| Total risk-based capital ratio | 11.6005% | 6,457 |
| Memoranda: | ||
| Average total assets | $4,141,843,000 | 211 |
| Average earning assets | $3,826,220,000 | 205 |
| Average equity | $267,707,000 | 290 |
| Average total loans | $2,972,776,000 | 207 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7624% | 6,549 |
| Cost of funding earning assets | 2.4151% | 4,656 |
| Net interest margin | 3.3472% | 5,877 |
| Noninterest income to average assets | 1.1963% | 1,055 |
| Noninterest expense to average assets | 2.0984% | 7,244 |
| Loan and lease loss provision to assets | 0.2776% | 4,171 |
| Net operating income to assets | 1.3468% | 1,355 |
| Return on assets (ROA) | 1.2067% | 1,688 |
| Pretax return on assets | 1.7057% | 1,131 |
| Return on Equity (ROE) | 18.4692% | 493 |
| Retained earnings to average equity (ytd only) | 6.7627% | 1,236 |
| Net charge-offs to loans | 0.3249% | 3,229 |
| Credit loss provision to net charge-offs | 119.8205% | 4,489 |
| Earnings coverage of net charge-offs (x) | 9.4129% | 2,690 |
| Efficiency ratio | 48.9200% | 7,740 |
| Assets per employee ($millions) | 4.8563% | 2,106 |
| Cash dividends to net income (ytd only)* | 63.3839% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 5,521 |
| Loan loss allowance to noncurrent loans | 126.3043% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8447% | 4,739 |
| Noncurrent loans to loans | 0.8425% | 4,945 |
| Net loans and leases to total assets | 70.5456% | 3,895 |
| Net loans and leases to deposits | 104.7910% | 1,263 |
| Net loans and leases to core deposits | 121.7450% | 2,534 |
| Total domestic deposits to total assets | 67.3203% | 7,537 |
| Equity capital to assets | 6.2146% | 8,014 |
| Core capital (leverage) ratio | 7.9127% | 6,635 |
| Tier 1 risk-based capital ratio | 10.0674% | 6,664 |
| Total risk-based capital ratio | 11.0934% | 6,793 |
| Memoranda: | ||
| Average total assets | $4,183,831,200 | 204 |
| Average earning assets | $3,853,163,200 | 197 |
| Average equity | $273,352,200 | 288 |
| Average total loans | $2,983,493,000 | 199 |