Home > Whitney Bank > Performance and Condition Ratios
Whitney Bank, Performance and Condition Ratios
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8642% | 4,595 |
| Cost of funding earning assets | 0.1703% | 6,440 |
| Net interest margin | 3.6939% | 3,079 |
| Noninterest income to average assets | 1.0146% | 1,362 |
| Noninterest expense to average assets | 2.9712% | 3,129 |
| Loan and lease loss provision to assets | 0.0369% | 4,381 |
| Net operating income to assets | 0.9457% | 2,586 |
| Return on assets (ROA) | 0.9457% | 2,656 |
| Pretax return on assets | 1.2730% | 2,257 |
| Return on Equity (ROE) | 6.9677% | 3,572 |
| Retained earnings to average equity (ytd only) | -3.5622% | 6,300 |
| Net charge-offs to loans | 0.0743% | 4,171 |
| Credit loss provision to net charge-offs | 86.2595% | 2,863 |
| Earnings coverage of net charge-offs (x) | 30.6489% | 1,163 |
| Efficiency ratio | 64.6791% | 4,787 |
| Assets per employee ($millions) | 6.9719% | 782 |
| Cash dividends to net income (ytd only)* | 151.1244% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5089% | 6,565 |
| Loan loss allowance to noncurrent loans | 61.5367% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 4,142 |
| Noncurrent loans to loans | 0.8270% | 3,911 |
| Net loans and leases to total assets | 60.6366% | 3,604 |
| Net loans and leases to deposits | 75.1615% | 3,073 |
| Net loans and leases to core deposits | 79.6289% | 3,174 |
| Total domestic deposits to total assets | 77.8896% | 5,843 |
| Equity capital to assets | 13.2944% | 1,146 |
| Core capital (leverage) ratio | 8.9878% | 5,026 |
| Tier 1 risk-based capital ratio | 11.2242% | 6,065 |
| Total risk-based capital ratio | 12.2489% | 6,121 |
| Memoranda: | ||
| Average total assets | $12,873,948,600 | 97 |
| Average earning assets | $11,384,309,800 | 95 |
| Average equity | $1,747,404,600 | 79 |
| Average total loans | $7,406,401,800 | 100 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9437% | 4,335 |
| Cost of funding earning assets | 0.1746% | 6,526 |
| Net interest margin | 3.7690% | 2,761 |
| Noninterest income to average assets | 1.0259% | 1,383 |
| Noninterest expense to average assets | 2.9205% | 3,233 |
| Loan and lease loss provision to assets | 0.0625% | 3,793 |
| Net operating income to assets | 1.0039% | 2,362 |
| Return on assets (ROA) | 1.0039% | 2,447 |
| Pretax return on assets | 1.3705% | 2,039 |
| Return on Equity (ROE) | 7.3578% | 3,456 |
| Retained earnings to average equity (ytd only) | -5.0493% | 6,496 |
| Net charge-offs to loans | 0.0775% | 3,837 |
| Credit loss provision to net charge-offs | 142.2895% | 1,653 |
| Earnings coverage of net charge-offs (x) | 32.6344% | 1,160 |
| Efficiency ratio | 62.3843% | 5,083 |
| Assets per employee ($millions) | 6.5948% | 897 |
| Cash dividends to net income (ytd only)* | 168.6253% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5760% | 6,595 |
| Loan loss allowance to noncurrent loans | 47.4011% | 5,333 |
| Noncurrent assets plus other real estate owned to assets | 0.9608% | 3,745 |
| Noncurrent loans to loans | 1.2151% | 3,387 |
| Net loans and leases to total assets | 58.3577% | 3,948 |
| Net loans and leases to deposits | 73.4536% | 3,324 |
| Net loans and leases to core deposits | 79.8321% | 3,147 |
| Total domestic deposits to total assets | 75.0425% | 6,274 |
| Equity capital to assets | 13.3761% | 1,172 |
| Core capital (leverage) ratio | 8.9990% | 5,130 |
| Tier 1 risk-based capital ratio | 11.8095% | 5,895 |
| Total risk-based capital ratio | 12.9324% | 5,919 |
| Memoranda: | ||
| Average total assets | $12,838,314,750 | 99 |
| Average earning assets | $11,334,192,000 | 95 |
| Average equity | $1,751,640,250 | 79 |
| Average total loans | $7,274,720,250 | 101 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 4,281 |
| Cost of funding earning assets | 0.1765% | 6,590 |
| Net interest margin | 3.7765% | 2,649 |
| Noninterest income to average assets | 0.9936% | 1,549 |
| Noninterest expense to average assets | 2.8010% | 3,674 |
| Loan and lease loss provision to assets | 0.1073% | 3,002 |
| Net operating income to assets | 1.0356% | 2,176 |
| Return on assets (ROA) | 1.0356% | 2,293 |
| Pretax return on assets | 1.4166% | 1,874 |
| Return on Equity (ROE) | 7.5414% | 3,331 |
| Retained earnings to average equity (ytd only) | -8.5085% | 6,625 |
| Net charge-offs to loans | 0.0963% | 3,396 |
| Credit loss provision to net charge-offs | 198.9356% | 1,201 |
| Earnings coverage of net charge-offs (x) | 28.2480% | 1,191 |
| Efficiency ratio | 60.0087% | 5,484 |
| Assets per employee ($millions) | 6.5163% | 893 |
| Cash dividends to net income (ytd only)* | 212.8234% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6097% | 6,604 |
| Loan loss allowance to noncurrent loans | 49.4113% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 0.9691% | 3,833 |
| Noncurrent loans to loans | 1.2340% | 3,488 |
| Net loans and leases to total assets | 57.3200% | 4,092 |
| Net loans and leases to deposits | 72.4580% | 3,388 |
| Net loans and leases to core deposits | 78.4379% | 3,232 |
| Total domestic deposits to total assets | 75.5361% | 6,303 |
| Equity capital to assets | 13.3396% | 1,208 |
| Core capital (leverage) ratio | 8.8003% | 5,289 |
| Tier 1 risk-based capital ratio | 11.8620% | 5,870 |
| Total risk-based capital ratio | 13.0243% | 5,888 |
| Memoranda: | ||
| Average total assets | $12,886,064,670 | 98 |
| Average earning assets | $11,367,170,330 | 94 |
| Average equity | $1,769,485,330 | 78 |
| Average total loans | $7,215,807,330 | 100 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 3,644 |
| Cost of funding earning assets | 0.1799% | 6,674 |
| Net interest margin | 3.9404% | 1,975 |
| Noninterest income to average assets | 0.9714% | 1,551 |
| Noninterest expense to average assets | 2.7847% | 3,751 |
| Loan and lease loss provision to assets | 0.0917% | 3,127 |
| Net operating income to assets | 1.1584% | 1,645 |
| Return on assets (ROA) | 1.1584% | 1,754 |
| Pretax return on assets | 1.5737% | 1,365 |
| Return on Equity (ROE) | 8.3200% | 2,809 |
| Retained earnings to average equity (ytd only) | 3.6763% | 4,023 |
| Net charge-offs to loans | 0.1914% | 2,266 |
| Credit loss provision to net charge-offs | 86.8805% | 2,070 |
| Earnings coverage of net charge-offs (x) | 15.7711% | 1,388 |
| Efficiency ratio | 57.9530% | 5,860 |
| Assets per employee ($millions) | 6.5988% | 938 |
| Cash dividends to net income (ytd only)* | 55.8140% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5697% | 6,738 |
| Loan loss allowance to noncurrent loans | 39.7574% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 1.1072% | 3,717 |
| Noncurrent loans to loans | 1.4329% | 3,421 |
| Net loans and leases to total assets | 55.6041% | 4,152 |
| Net loans and leases to deposits | 70.1557% | 3,455 |
| Net loans and leases to core deposits | 73.5505% | 3,634 |
| Total domestic deposits to total assets | 77.6974% | 6,159 |
| Equity capital to assets | 14.2113% | 960 |
| Core capital (leverage) ratio | 9.4214% | 4,207 |
| Tier 1 risk-based capital ratio | 13.0487% | 5,182 |
| Total risk-based capital ratio | 14.4102% | 5,050 |
| Memoranda: | ||
| Average total assets | $12,992,043,000 | 94 |
| Average earning assets | $11,470,176,000 | 95 |
| Average equity | $1,808,889,000 | 75 |
| Average total loans | $7,169,025,000 | 102 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 4,825 |
| Cost of funding earning assets | 0.2266% | 6,764 |
| Net interest margin | 3.9074% | 2,796 |
| Noninterest income to average assets | 1.0784% | 1,336 |
| Noninterest expense to average assets | 3.2378% | 2,496 |
| Loan and lease loss provision to assets | 0.2492% | 2,655 |
| Net operating income to assets | 0.7518% | 3,507 |
| Return on assets (ROA) | 0.7573% | 3,718 |
| Pretax return on assets | 1.0137% | 3,503 |
| Return on Equity (ROE) | 5.5572% | 4,399 |
| Retained earnings to average equity (ytd only) | 4.8610% | 2,800 |
| Net charge-offs to loans | 0.3564% | 2,850 |
| Credit loss provision to net charge-offs | 127.1748% | 2,218 |
| Earnings coverage of net charge-offs (x) | 6.4070% | 2,817 |
| Efficiency ratio | 67.1941% | 4,293 |
| Assets per employee ($millions) | 6.7015% | 896 |
| Cash dividends to net income (ytd only)* | 12.5288% | 4,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5714% | 6,792 |
| Loan loss allowance to noncurrent loans | 38.2745% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 1.2496% | 3,561 |
| Noncurrent loans to loans | 1.4930% | 3,366 |
| Net loans and leases to total assets | 54.1515% | 4,600 |
| Net loans and leases to deposits | 67.2686% | 4,088 |
| Net loans and leases to core deposits | 70.6914% | 4,203 |
| Total domestic deposits to total assets | 79.0302% | 5,879 |
| Equity capital to assets | 13.6445% | 1,174 |
| Core capital (leverage) ratio | 9.2364% | 4,518 |
| Tier 1 risk-based capital ratio | 12.9328% | 5,161 |
| Total risk-based capital ratio | 14.3186% | 5,005 |
| Memoranda: | ||
| Average total assets | $13,173,741,600 | 91 |
| Average earning assets | $11,513,969,400 | 94 |
| Average equity | $1,795,322,400 | 77 |
| Average total loans | $7,243,634,600 | 98 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 4,970 |
| Cost of funding earning assets | 0.2394% | 6,849 |
| Net interest margin | 3.9151% | 2,859 |
| Noninterest income to average assets | 1.0525% | 1,367 |
| Noninterest expense to average assets | 3.4200% | 1,956 |
| Loan and lease loss provision to assets | 0.1894% | 3,222 |
| Net operating income to assets | 0.6452% | 4,170 |
| Return on assets (ROA) | 0.6514% | 4,401 |
| Pretax return on assets | 0.8640% | 4,246 |
| Return on Equity (ROE) | 4.7816% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.7816% | 3,535 |
| Net charge-offs to loans | 0.1842% | 3,643 |
| Credit loss provision to net charge-offs | 186.5310% | 1,482 |
| Earnings coverage of net charge-offs (x) | 10.2933% | 2,201 |
| Efficiency ratio | 71.6171% | 3,396 |
| Assets per employee ($millions) | 6.2091% | 1,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6020% | 6,864 |
| Loan loss allowance to noncurrent loans | 36.1628% | 5,839 |
| Noncurrent assets plus other real estate owned to assets | 1.5309% | 3,281 |
| Noncurrent loans to loans | 1.6647% | 3,294 |
| Net loans and leases to total assets | 56.8295% | 4,327 |
| Net loans and leases to deposits | 72.2138% | 3,577 |
| Net loans and leases to core deposits | 76.0761% | 3,718 |
| Total domestic deposits to total assets | 77.2211% | 6,204 |
| Equity capital to assets | 14.3320% | 1,024 |
| Core capital (leverage) ratio | 9.2555% | 4,673 |
| Tier 1 risk-based capital ratio | 12.5237% | 5,622 |
| Total risk-based capital ratio | 13.9383% | 5,456 |
| Memoranda: | ||
| Average total assets | $13,163,349,000 | 90 |
| Average earning assets | $11,473,533,000 | 93 |
| Average equity | $1,793,361,500 | 77 |
| Average total loans | $7,255,189,750 | 100 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2114% | 4,908 |
| Cost of funding earning assets | 0.2517% | 6,905 |
| Net interest margin | 3.9598% | 2,682 |
| Noninterest income to average assets | 1.0435% | 1,336 |
| Noninterest expense to average assets | 3.6179% | 1,546 |
| Loan and lease loss provision to assets | 0.2438% | 2,627 |
| Net operating income to assets | 0.4777% | 4,919 |
| Return on assets (ROA) | 0.4777% | 5,166 |
| Pretax return on assets | 0.6321% | 5,016 |
| Return on Equity (ROE) | 3.5635% | 5,456 |
| Retained earnings to average equity (ytd only) | 3.5635% | 4,222 |
| Net charge-offs to loans | 0.1714% | 3,572 |
| Credit loss provision to net charge-offs | 261.0286% | 1,101 |
| Earnings coverage of net charge-offs (x) | 9.3779% | 2,177 |
| Efficiency ratio | 75.6157% | 2,806 |
| Assets per employee ($millions) | 5.7226% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 6,880 |
| Loan loss allowance to noncurrent loans | 37.1618% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 1.5322% | 3,400 |
| Noncurrent loans to loans | 1.7511% | 3,273 |
| Net loans and leases to total assets | 53.8628% | 4,826 |
| Net loans and leases to deposits | 68.8971% | 4,058 |
| Net loans and leases to core deposits | 72.6475% | 4,220 |
| Total domestic deposits to total assets | 76.6416% | 6,382 |
| Equity capital to assets | 13.9160% | 1,134 |
| Core capital (leverage) ratio | 8.6595% | 5,435 |
| Tier 1 risk-based capital ratio | 12.3065% | 5,716 |
| Total risk-based capital ratio | 14.2703% | 5,145 |
| Memoranda: | ||
| Average total assets | $13,407,564,670 | 86 |
| Average earning assets | $11,682,236,000 | 89 |
| Average equity | $1,797,291,670 | 77 |
| Average total loans | $7,304,554,330 | 99 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 4,067 |
| Cost of funding earning assets | 0.2681% | 6,956 |
| Net interest margin | 4.1925% | 1,779 |
| Noninterest income to average assets | 1.0190% | 1,376 |
| Noninterest expense to average assets | 4.0442% | 887 |
| Loan and lease loss provision to assets | 0.3940% | 1,607 |
| Net operating income to assets | 0.1504% | 6,115 |
| Return on assets (ROA) | 0.1504% | 6,247 |
| Pretax return on assets | 0.2270% | 6,144 |
| Return on Equity (ROE) | 1.1417% | 6,320 |
| Retained earnings to average equity (ytd only) | 1.1417% | 5,630 |
| Net charge-offs to loans | 0.1740% | 3,051 |
| Credit loss provision to net charge-offs | 414.7461% | 763 |
| Earnings coverage of net charge-offs (x) | 6.5360% | 2,191 |
| Efficiency ratio | 81.8991% | 1,944 |
| Assets per employee ($millions) | 5.1091% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6478% | 6,938 |
| Loan loss allowance to noncurrent loans | 57.0972% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 4,009 |
| Noncurrent loans to loans | 1.1345% | 4,442 |
| Net loans and leases to total assets | 53.2237% | 4,849 |
| Net loans and leases to deposits | 67.5769% | 4,135 |
| Net loans and leases to core deposits | 70.3059% | 4,371 |
| Total domestic deposits to total assets | 77.9044% | 6,274 |
| Equity capital to assets | 13.4027% | 1,273 |
| Core capital (leverage) ratio | 7.4773% | 6,647 |
| Tier 1 risk-based capital ratio | 11.7475% | 6,127 |
| Total risk-based capital ratio | 14.0489% | 5,345 |
| Memoranda: | ||
| Average total assets | $13,847,980,500 | 81 |
| Average earning assets | $12,043,427,500 | 84 |
| Average equity | $1,824,329,500 | 77 |
| Average total loans | $7,561,112,500 | 95 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4436% | 5,270 |
| Cost of funding earning assets | 0.3540% | 7,001 |
| Net interest margin | 4.0896% | 2,472 |
| Noninterest income to average assets | 1.0432% | 1,241 |
| Noninterest expense to average assets | 3.9266% | 1,146 |
| Loan and lease loss provision to assets | 0.1847% | 4,345 |
| Net operating income to assets | 0.3982% | 4,874 |
| Return on assets (ROA) | 0.3982% | 5,045 |
| Pretax return on assets | 0.4808% | 5,043 |
| Return on Equity (ROE) | 3.0079% | 5,279 |
| Retained earnings to average equity (ytd only) | -1.9353% | 6,147 |
| Net charge-offs to loans | 0.2466% | 4,237 |
| Credit loss provision to net charge-offs | 129.3539% | 2,373 |
| Earnings coverage of net charge-offs (x) | 4.6606% | 3,028 |
| Efficiency ratio | 82.2846% | 1,976 |
| Assets per employee ($millions) | 4.9344% | 2,300 |
| Cash dividends to net income (ytd only)* | 164.3391% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4131% | 7,159 |
| Loan loss allowance to noncurrent loans | 31.0573% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 1.3076% | 4,032 |
| Noncurrent loans to loans | 1.3301% | 4,156 |
| Net loans and leases to total assets | 55.2585% | 4,846 |
| Net loans and leases to deposits | 70.7111% | 3,989 |
| Net loans and leases to core deposits | 74.0277% | 4,238 |
| Total domestic deposits to total assets | 77.3589% | 6,289 |
| Equity capital to assets | 12.9771% | 1,495 |
| Core capital (leverage) ratio | 8.1939% | 6,013 |
| Tier 1 risk-based capital ratio | 10.9037% | 6,503 |
| Total risk-based capital ratio | 12.7596% | 6,141 |
| Memoranda: | ||
| Average total assets | $9,972,482,800 | 107 |
| Average earning assets | $8,654,149,600 | 109 |
| Average equity | $1,320,277,000 | 99 |
| Average total loans | $5,773,440,000 | 111 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2363% | 6,120 |
| Cost of funding earning assets | 0.3723% | 7,084 |
| Net interest margin | 3.8640% | 3,551 |
| Noninterest income to average assets | 1.0455% | 1,231 |
| Noninterest expense to average assets | 3.5919% | 1,724 |
| Loan and lease loss provision to assets | 0.1959% | 4,063 |
| Net operating income to assets | 0.4796% | 4,635 |
| Return on assets (ROA) | 0.4798% | 4,831 |
| Pretax return on assets | 0.6189% | 4,743 |
| Return on Equity (ROE) | 3.5941% | 5,175 |
| Retained earnings to average equity (ytd only) | -3.7204% | 6,489 |
| Net charge-offs to loans | 0.1884% | 4,289 |
| Credit loss provision to net charge-offs | 176.5352% | 1,685 |
| Earnings coverage of net charge-offs (x) | 7.3395% | 2,377 |
| Efficiency ratio | 78.7391% | 2,437 |
| Assets per employee ($millions) | 4.7286% | 2,585 |
| Cash dividends to net income (ytd only)* | 203.5142% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4355% | 7,205 |
| Loan loss allowance to noncurrent loans | 34.6424% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2437% | 4,313 |
| Noncurrent loans to loans | 1.2570% | 4,437 |
| Net loans and leases to total assets | 56.9580% | 4,692 |
| Net loans and leases to deposits | 73.3505% | 3,751 |
| Net loans and leases to core deposits | 77.6376% | 3,961 |
| Total domestic deposits to total assets | 76.5006% | 6,453 |
| Equity capital to assets | 13.8096% | 1,239 |
| Core capital (leverage) ratio | 8.2307% | 6,089 |
| Tier 1 risk-based capital ratio | 11.1724% | 6,449 |
| Total risk-based capital ratio | 13.0761% | 6,000 |
| Memoranda: | ||
| Average total assets | $8,745,038,250 | 121 |
| Average earning assets | $7,606,464,750 | 123 |
| Average equity | $1,167,526,000 | 114 |
| Average total loans | $5,152,342,500 | 121 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2225% | 7,275 |
| Cost of funding earning assets | 0.3515% | 7,221 |
| Net interest margin | 2.8711% | 6,840 |
| Noninterest income to average assets | 0.8375% | 1,850 |
| Noninterest expense to average assets | 2.7681% | 4,554 |
| Loan and lease loss provision to assets | 0.1902% | 4,015 |
| Net operating income to assets | 0.2861% | 5,422 |
| Return on assets (ROA) | 0.2865% | 5,560 |
| Pretax return on assets | 0.3976% | 5,403 |
| Return on Equity (ROE) | 2.1982% | 5,723 |
| Retained earnings to average equity (ytd only) | -12.0248% | 6,938 |
| Net charge-offs to loans | 0.1669% | 4,174 |
| Credit loss provision to net charge-offs | 189.7229% | 1,596 |
| Earnings coverage of net charge-offs (x) | 5.8568% | 2,517 |
| Efficiency ratio | 81.3427% | 2,194 |
| Assets per employee ($millions) | 4.5702% | 2,734 |
| Cash dividends to net income (ytd only)* | 647.0351% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3961% | 7,297 |
| Loan loss allowance to noncurrent loans | 29.2158% | 6,304 |
| Noncurrent assets plus other real estate owned to assets | 1.3245% | 4,255 |
| Noncurrent loans to loans | 1.3559% | 4,386 |
| Net loans and leases to total assets | 57.0738% | 4,809 |
| Net loans and leases to deposits | 73.4220% | 3,890 |
| Net loans and leases to core deposits | 78.6574% | 3,979 |
| Total domestic deposits to total assets | 76.4061% | 6,535 |
| Equity capital to assets | 13.2181% | 1,424 |
| Core capital (leverage) ratio | 19.3916% | 250 |
| Tier 1 risk-based capital ratio | 9.8838% | 7,011 |
| Total risk-based capital ratio | 11.6896% | 6,811 |
| Memoranda: | ||
| Average total assets | $6,909,403,000 | 141 |
| Average earning assets | $6,059,442,000 | 144 |
| Average equity | $900,658,000 | 131 |
| Average total loans | $4,152,081,330 | 140 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6439% | 4,768 |
| Cost of funding earning assets | 0.6262% | 6,490 |
| Net interest margin | 4.0177% | 2,615 |
| Noninterest income to average assets | 1.3591% | 697 |
| Noninterest expense to average assets | 3.1468% | 3,083 |
| Loan and lease loss provision to assets | 0.0934% | 4,846 |
| Net operating income to assets | 1.3356% | 1,185 |
| Return on assets (ROA) | 1.3356% | 1,233 |
| Pretax return on assets | 1.8503% | 738 |
| Return on Equity (ROE) | 10.7805% | 1,810 |
| Retained earnings to average equity (ytd only) | 6.2509% | 2,498 |
| Net charge-offs to loans | 0.2703% | 2,988 |
| Credit loss provision to net charge-offs | 52.9458% | 3,691 |
| Earnings coverage of net charge-offs (x) | 11.0196% | 1,589 |
| Efficiency ratio | 61.4116% | 5,776 |
| Assets per employee ($millions) | 5.0351% | 2,115 |
| Cash dividends to net income (ytd only)* | 42.0168% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6296% | 3,610 |
| Loan loss allowance to noncurrent loans | 85.6900% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 1.4011% | 4,184 |
| Noncurrent loans to loans | 1.9017% | 3,699 |
| Net loans and leases to total assets | 63.8646% | 3,456 |
| Net loans and leases to deposits | 80.3889% | 2,640 |
| Net loans and leases to core deposits | 85.2280% | 3,002 |
| Total domestic deposits to total assets | 79.4445% | 6,073 |
| Equity capital to assets | 12.6584% | 1,545 |
| Core capital (leverage) ratio | 11.1410% | 2,079 |
| Tier 1 risk-based capital ratio | 15.2517% | 3,285 |
| Total risk-based capital ratio | 16.5090% | 3,242 |
| Memoranda: | ||
| Average total assets | $2,886,848,000 | 246 |
| Average earning assets | $2,681,105,500 | 238 |
| Average equity | $357,646,500 | 231 |
| Average total loans | $1,883,700,500 | 248 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 4,895 |
| Cost of funding earning assets | 0.7900% | 6,614 |
| Net interest margin | 4.1367% | 2,422 |
| Noninterest income to average assets | 1.4550% | 683 |
| Noninterest expense to average assets | 2.8890% | 4,279 |
| Loan and lease loss provision to assets | 0.7824% | 2,086 |
| Net operating income to assets | 1.2053% | 1,401 |
| Return on assets (ROA) | 1.2053% | 1,479 |
| Pretax return on assets | 1.6346% | 1,063 |
| Return on Equity (ROE) | 9.7959% | 2,004 |
| Retained earnings to average equity (ytd only) | 3.9455% | 3,101 |
| Net charge-offs to loans | 0.8087% | 2,609 |
| Credit loss provision to net charge-offs | 145.6506% | 2,534 |
| Earnings coverage of net charge-offs (x) | 4.4993% | 2,901 |
| Efficiency ratio | 54.0583% | 6,801 |
| Assets per employee ($millions) | 5.1660% | 1,915 |
| Cash dividends to net income (ytd only)* | 59.7225% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 3,536 |
| Loan loss allowance to noncurrent loans | 85.9939% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 1.3756% | 4,284 |
| Noncurrent loans to loans | 1.8716% | 3,724 |
| Net loans and leases to total assets | 64.5172% | 3,757 |
| Net loans and leases to deposits | 80.2400% | 3,129 |
| Net loans and leases to core deposits | 85.8074% | 3,344 |
| Total domestic deposits to total assets | 80.4053% | 5,720 |
| Equity capital to assets | 12.1252% | 1,840 |
| Core capital (leverage) ratio | 11.3345% | 1,931 |
| Tier 1 risk-based capital ratio | 14.4591% | 3,576 |
| Total risk-based capital ratio | 15.7157% | 3,523 |
| Memoranda: | ||
| Average total assets | $2,882,508,600 | 250 |
| Average earning assets | $2,683,411,400 | 241 |
| Average equity | $354,680,400 | 229 |
| Average total loans | $1,914,794,600 | 248 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9537% | 5,021 |
| Cost of funding earning assets | 0.8366% | 6,629 |
| Net interest margin | 4.1171% | 2,544 |
| Noninterest income to average assets | 1.4999% | 608 |
| Noninterest expense to average assets | 2.9290% | 3,984 |
| Loan and lease loss provision to assets | 0.7994% | 1,900 |
| Net operating income to assets | 1.1889% | 1,622 |
| Return on assets (ROA) | 1.1889% | 1,715 |
| Pretax return on assets | 1.6067% | 1,333 |
| Return on Equity (ROE) | 9.6268% | 2,280 |
| Retained earnings to average equity (ytd only) | 5.2686% | 2,798 |
| Net charge-offs to loans | 0.8447% | 2,338 |
| Credit loss provision to net charge-offs | 142.0129% | 2,784 |
| Earnings coverage of net charge-offs (x) | 4.2742% | 3,126 |
| Efficiency ratio | 54.5122% | 6,741 |
| Assets per employee ($millions) | 5.1395% | 2,010 |
| Cash dividends to net income (ytd only)* | 45.2718% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 3,923 |
| Loan loss allowance to noncurrent loans | 64.1673% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.7483% | 3,822 |
| Noncurrent loans to loans | 2.3485% | 3,291 |
| Net loans and leases to total assets | 65.9430% | 3,703 |
| Net loans and leases to deposits | 86.3356% | 2,270 |
| Net loans and leases to core deposits | 92.6896% | 2,700 |
| Total domestic deposits to total assets | 76.3798% | 6,589 |
| Equity capital to assets | 12.7374% | 1,727 |
| Core capital (leverage) ratio | 11.1458% | 2,164 |
| Tier 1 risk-based capital ratio | 14.6211% | 3,448 |
| Total risk-based capital ratio | 15.8764% | 3,415 |
| Memoranda: | ||
| Average total assets | $2,873,443,750 | 248 |
| Average earning assets | $2,676,682,250 | 237 |
| Average equity | $354,874,000 | 224 |
| Average total loans | $1,915,015,750 | 253 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9732% | 5,064 |
| Cost of funding earning assets | 0.8815% | 6,651 |
| Net interest margin | 4.0917% | 2,600 |
| Noninterest income to average assets | 1.4668% | 588 |
| Noninterest expense to average assets | 2.9289% | 3,964 |
| Loan and lease loss provision to assets | 0.6765% | 2,136 |
| Net operating income to assets | 1.2253% | 1,496 |
| Return on assets (ROA) | 1.2253% | 1,559 |
| Pretax return on assets | 1.6740% | 1,109 |
| Return on Equity (ROE) | 10.0251% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.7333% | 2,476 |
| Net charge-offs to loans | 0.5931% | 2,747 |
| Credit loss provision to net charge-offs | 171.4135% | 2,283 |
| Earnings coverage of net charge-offs (x) | 5.9555% | 2,560 |
| Efficiency ratio | 55.0855% | 6,751 |
| Assets per employee ($millions) | 5.0831% | 2,078 |
| Cash dividends to net income (ytd only)* | 42.8102% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 4,157 |
| Loan loss allowance to noncurrent loans | 66.0684% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.6324% | 3,990 |
| Noncurrent loans to loans | 2.2008% | 3,478 |
| Net loans and leases to total assets | 65.5814% | 3,921 |
| Net loans and leases to deposits | 84.5082% | 2,790 |
| Net loans and leases to core deposits | 90.5575% | 3,181 |
| Total domestic deposits to total assets | 77.6036% | 6,368 |
| Equity capital to assets | 12.5604% | 1,762 |
| Core capital (leverage) ratio | 11.1743% | 2,118 |
| Tier 1 risk-based capital ratio | 14.3781% | 3,503 |
| Total risk-based capital ratio | 15.6324% | 3,474 |
| Memoranda: | ||
| Average total assets | $2,878,731,670 | 249 |
| Average earning assets | $2,682,449,330 | 240 |
| Average equity | $351,838,330 | 225 |
| Average total loans | $1,915,619,670 | 255 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9739% | 5,142 |
| Cost of funding earning assets | 0.9068% | 6,745 |
| Net interest margin | 4.0671% | 2,582 |
| Noninterest income to average assets | 1.4126% | 604 |
| Noninterest expense to average assets | 2.8893% | 4,109 |
| Loan and lease loss provision to assets | 0.0357% | 6,321 |
| Net operating income to assets | 1.6173% | 723 |
| Return on assets (ROA) | 1.6173% | 771 |
| Pretax return on assets | 2.2721% | 372 |
| Return on Equity (ROE) | 13.4177% | 1,166 |
| Retained earnings to average equity (ytd only) | 9.0422% | 1,392 |
| Net charge-offs to loans | 0.6996% | 2,098 |
| Credit loss provision to net charge-offs | 7.6625% | 5,075 |
| Earnings coverage of net charge-offs (x) | 4.9577% | 2,502 |
| Efficiency ratio | 55.1968% | 6,860 |
| Assets per employee ($millions) | 5.0754% | 2,135 |
| Cash dividends to net income (ytd only)* | 32.6096% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 6,052 |
| Loan loss allowance to noncurrent loans | 91.6304% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.9273% | 5,293 |
| Noncurrent loans to loans | 1.1894% | 4,983 |
| Net loans and leases to total assets | 65.3129% | 4,037 |
| Net loans and leases to deposits | 84.8596% | 2,791 |
| Net loans and leases to core deposits | 90.4011% | 3,311 |
| Total domestic deposits to total assets | 76.9658% | 6,567 |
| Equity capital to assets | 12.2851% | 1,884 |
| Core capital (leverage) ratio | 11.0056% | 2,227 |
| Tier 1 risk-based capital ratio | 14.2676% | 3,504 |
| Total risk-based capital ratio | 15.2207% | 3,635 |
| Memoranda: | ||
| Average total assets | $2,882,110,500 | 258 |
| Average earning assets | $2,681,833,000 | 249 |
| Average equity | $347,392,500 | 231 |
| Average total loans | $1,917,793,500 | 263 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1174% | 6,012 |
| Cost of funding earning assets | 1.0979% | 6,988 |
| Net interest margin | 4.0194% | 2,787 |
| Noninterest income to average assets | 1.4460% | 696 |
| Noninterest expense to average assets | 2.9215% | 4,458 |
| Loan and lease loss provision to assets | 0.6314% | 3,280 |
| Net operating income to assets | 1.1920% | 1,265 |
| Return on assets (ROA) | 1.1920% | 1,315 |
| Pretax return on assets | 1.6335% | 893 |
| Return on Equity (ROE) | 12.3741% | 1,081 |
| Retained earnings to average equity (ytd only) | 8.0636% | 683 |
| Net charge-offs to loans | 1.0450% | 2,318 |
| Credit loss provision to net charge-offs | 89.4888% | 6,016 |
| Earnings coverage of net charge-offs (x) | 3.2102% | 3,450 |
| Efficiency ratio | 55.9359% | 7,023 |
| Assets per employee ($millions) | 5.1633% | 1,991 |
| Cash dividends to net income (ytd only)* | 34.8352% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,228 |
| Loan loss allowance to noncurrent loans | 130.0636% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7583% | 5,590 |
| Noncurrent loans to loans | 0.9396% | 5,434 |
| Net loans and leases to total assets | 66.2256% | 4,100 |
| Net loans and leases to deposits | 81.5702% | 3,680 |
| Net loans and leases to core deposits | 96.2139% | 4,445 |
| Total domestic deposits to total assets | 81.1884% | 5,272 |
| Equity capital to assets | 11.8240% | 2,123 |
| Core capital (leverage) ratio | 10.6694% | 2,456 |
| Tier 1 risk-based capital ratio | 13.4668% | 3,844 |
| Total risk-based capital ratio | 14.5275% | 3,909 |
| Memoranda: | ||
| Average total assets | $2,913,980,400 | 256 |
| Average earning assets | $2,711,691,000 | 246 |
| Average equity | $280,707,600 | 266 |
| Average total loans | $1,967,336,800 | 264 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1020% | 6,257 |
| Cost of funding earning assets | 1.1361% | 7,078 |
| Net interest margin | 3.9659% | 2,959 |
| Noninterest income to average assets | 1.4361% | 723 |
| Noninterest expense to average assets | 2.9417% | 4,267 |
| Loan and lease loss provision to assets | 0.5823% | 3,057 |
| Net operating income to assets | 1.1717% | 1,536 |
| Return on assets (ROA) | 1.1717% | 1,591 |
| Pretax return on assets | 1.6064% | 1,161 |
| Return on Equity (ROE) | 12.8907% | 1,133 |
| Retained earnings to average equity (ytd only) | 8.6182% | 938 |
| Net charge-offs to loans | 0.9742% | 2,022 |
| Credit loss provision to net charge-offs | 88.3781% | 5,526 |
| Earnings coverage of net charge-offs (x) | 3.3219% | 3,577 |
| Efficiency ratio | 56.9421% | 6,881 |
| Assets per employee ($millions) | 5.0680% | 2,060 |
| Cash dividends to net income (ytd only)* | 33.1436% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 4,984 |
| Loan loss allowance to noncurrent loans | 109.4150% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.8867% | 5,304 |
| Noncurrent loans to loans | 1.1181% | 5,079 |
| Net loans and leases to total assets | 68.6582% | 3,804 |
| Net loans and leases to deposits | 89.5050% | 2,671 |
| Net loans and leases to core deposits | 107.1591% | 3,573 |
| Total domestic deposits to total assets | 76.7088% | 6,421 |
| Equity capital to assets | 9.7635% | 4,404 |
| Core capital (leverage) ratio | 8.2891% | 5,851 |
| Tier 1 risk-based capital ratio | 10.4986% | 6,474 |
| Total risk-based capital ratio | 11.5835% | 6,585 |
| Memoranda: | ||
| Average total assets | $2,918,324,250 | 266 |
| Average earning assets | $2,718,436,000 | 253 |
| Average equity | $265,260,500 | 287 |
| Average total loans | $1,973,664,250 | 277 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 6,452 |
| Cost of funding earning assets | 1.1862% | 7,146 |
| Net interest margin | 3.9095% | 3,066 |
| Noninterest income to average assets | 1.3681% | 815 |
| Noninterest expense to average assets | 2.9223% | 4,420 |
| Loan and lease loss provision to assets | 0.6288% | 2,545 |
| Net operating income to assets | 1.0737% | 1,859 |
| Return on assets (ROA) | 1.0737% | 1,937 |
| Pretax return on assets | 1.4547% | 1,577 |
| Return on Equity (ROE) | 12.1026% | 1,383 |
| Retained earnings to average equity (ytd only) | 7.9644% | 1,221 |
| Net charge-offs to loans | 1.0078% | 1,756 |
| Credit loss provision to net charge-offs | 93.0951% | 4,834 |
| Earnings coverage of net charge-offs (x) | 3.0847% | 3,579 |
| Efficiency ratio | 57.9731% | 6,871 |
| Assets per employee ($millions) | 5.1945% | 1,868 |
| Cash dividends to net income (ytd only)* | 34.1924% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 4,512 |
| Loan loss allowance to noncurrent loans | 111.7470% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 5,204 |
| Noncurrent loans to loans | 1.1307% | 4,956 |
| Net loans and leases to total assets | 67.8416% | 4,174 |
| Net loans and leases to deposits | 87.3398% | 3,294 |
| Net loans and leases to core deposits | 105.3288% | 3,917 |
| Total domestic deposits to total assets | 77.6755% | 6,158 |
| Equity capital to assets | 9.1583% | 5,081 |
| Core capital (leverage) ratio | 7.9942% | 6,343 |
| Tier 1 risk-based capital ratio | 10.1984% | 6,716 |
| Total risk-based capital ratio | 11.3294% | 6,771 |
| Memoranda: | ||
| Average total assets | $2,941,698,670 | 270 |
| Average earning assets | $2,737,225,330 | 259 |
| Average equity | $260,986,000 | 295 |
| Average total loans | $1,971,638,330 | 286 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1435% | 6,511 |
| Cost of funding earning assets | 1.3191% | 6,963 |
| Net interest margin | 3.8244% | 3,359 |
| Noninterest income to average assets | 1.2911% | 855 |
| Noninterest expense to average assets | 2.7607% | 4,734 |
| Loan and lease loss provision to assets | 0.5361% | 2,328 |
| Net operating income to assets | 1.1522% | 1,798 |
| Return on assets (ROA) | 1.1522% | 1,919 |
| Pretax return on assets | 1.5473% | 1,538 |
| Return on Equity (ROE) | 13.1955% | 1,337 |
| Retained earnings to average equity (ytd only) | 9.7914% | 1,255 |
| Net charge-offs to loans | 0.7623% | 1,681 |
| Credit loss provision to net charge-offs | 106.2383% | 3,586 |
| Earnings coverage of net charge-offs (x) | 4.1288% | 2,969 |
| Efficiency ratio | 56.5751% | 6,887 |
| Assets per employee ($millions) | 5.0957% | 1,971 |
| Cash dividends to net income (ytd only)* | 25.7974% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 3,868 |
| Loan loss allowance to noncurrent loans | 120.8175% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.8361% | 5,098 |
| Noncurrent loans to loans | 1.1073% | 4,770 |
| Net loans and leases to total assets | 66.3385% | 4,503 |
| Net loans and leases to deposits | 85.6417% | 3,696 |
| Net loans and leases to core deposits | 103.3991% | 4,203 |
| Total domestic deposits to total assets | 77.4605% | 6,161 |
| Equity capital to assets | 9.0496% | 5,293 |
| Core capital (leverage) ratio | 7.6183% | 7,001 |
| Tier 1 risk-based capital ratio | 10.2273% | 6,682 |
| Total risk-based capital ratio | 11.4236% | 6,649 |
| Memoranda: | ||
| Average total assets | $2,960,677,500 | 270 |
| Average earning assets | $2,750,678,000 | 258 |
| Average equity | $258,512,500 | 297 |
| Average total loans | $1,959,880,500 | 291 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7397% | 6,642 |
| Cost of funding earning assets | 1.9250% | 6,661 |
| Net interest margin | 3.8147% | 3,958 |
| Noninterest income to average assets | 1.4134% | 725 |
| Noninterest expense to average assets | 2.5987% | 5,659 |
| Loan and lease loss provision to assets | 0.5684% | 2,547 |
| Net operating income to assets | 1.2771% | 1,552 |
| Return on assets (ROA) | 1.4648% | 1,049 |
| Pretax return on assets | 2.0021% | 597 |
| Return on Equity (ROE) | 17.0819% | 619 |
| Retained earnings to average equity (ytd only) | 11.5904% | 259 |
| Net charge-offs to loans | 0.4762% | 2,453 |
| Credit loss provision to net charge-offs | 181.7183% | 2,759 |
| Earnings coverage of net charge-offs (x) | 7.3959% | 3,124 |
| Efficiency ratio | 52.4667% | 7,434 |
| Assets per employee ($millions) | 5.2650% | 1,675 |
| Cash dividends to net income (ytd only)* | 32.1481% | 4,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 3,667 |
| Loan loss allowance to noncurrent loans | 123.6097% | 2,912 |
| Noncurrent assets plus other real estate owned to assets | 0.7973% | 4,863 |
| Noncurrent loans to loans | 1.0651% | 4,446 |
| Net loans and leases to total assets | 64.3364% | 5,201 |
| Net loans and leases to deposits | 80.0054% | 5,041 |
| Net loans and leases to core deposits | 97.6358% | 5,082 |
| Total domestic deposits to total assets | 80.4151% | 4,865 |
| Equity capital to assets | 8.4253% | 6,212 |
| Core capital (leverage) ratio | 7.4807% | 7,229 |
| Tier 1 risk-based capital ratio | 9.3597% | 7,450 |
| Total risk-based capital ratio | 10.4772% | 7,538 |
| Memoranda: | ||
| Average total assets | $2,764,822,000 | 274 |
| Average earning assets | $2,535,782,000 | 271 |
| Average equity | $237,092,600 | 320 |
| Average total loans | $1,816,007,200 | 300 |