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Woodforest National Bank, Performance and Condition Ratios

2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4227%3,182
Cost of funding earning assets0.5524%3,863
Net interest margin3.8702%2,273
Noninterest income to average assets7.7365%75
Noninterest expense to average assets8.8347%82
Loan and lease loss provision to assets0.2029%1,003
Net operating income to assets2.1686%235
Return on assets (ROA)2.1428%265
Pretax return on assets2.1428%431
Return on Equity (ROE)22.9799%112
Retained earnings to average equity (ytd only)7.0819%1,361
Net charge-offs to loans0.3190%647
Credit loss provision to net charge-offs93.9932%2,605
Earnings coverage of net charge-offs (x)10.9840%2,528
Efficiency ratio78.8372%1,052
Assets per employee ($millions)1.2810%5,124
Cash dividends to net income (ytd only)*69.1824%1,163
Condition Ratios (%)
Loss allowance to loans1.1748%2,573
Loan loss allowance to noncurrent loans1,016.9861%577
Noncurrent assets plus other real estate owned to assets0.1317%3,977
Noncurrent loans to loans0.1155%4,071
Net loans and leases to total assets65.7995%2,974
Net loans and leases to deposits73.2747%3,414
Net loans and leases to core deposits73.5360%3,756
Total domestic deposits to total assets89.7985%397
Equity capital to assets9.4117%4,419
Core capital (leverage) ratio9.5177%4,043
Tier 1 risk-based capital ratio11.5633%4,594
Total risk-based capital ratio12.5701%4,611
Memoranda:
Average total assets$6,307,232,200189
Average earning assets$5,654,695,000192
Average equity$588,122,000223
Average total loans$4,268,664,800195
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5389%2,932
Cost of funding earning assets0.5818%3,771
Net interest margin3.9571%2,079
Noninterest income to average assets7.8356%72
Noninterest expense to average assets8.8970%85
Loan and lease loss provision to assets0.2083%845
Net operating income to assets2.2741%235
Return on assets (ROA)2.2860%240
Pretax return on assets2.2860%381
Return on Equity (ROE)24.5748%102
Retained earnings to average equity (ytd only)10.6365%595
Net charge-offs to loans0.4570%369
Credit loss provision to net charge-offs67.0728%2,648
Earnings coverage of net charge-offs (x)7.9934%2,698
Efficiency ratio78.1852%1,081
Assets per employee ($millions)1.2608%5,202
Cash dividends to net income (ytd only)*56.7178%1,414
Condition Ratios (%)
Loss allowance to loans1.1033%3,012
Loan loss allowance to noncurrent loans124.0420%2,948
Noncurrent assets plus other real estate owned to assets0.6521%2,055
Noncurrent loans to loans0.8895%1,802
Net loans and leases to total assets65.9654%3,053
Net loans and leases to deposits74.0706%3,466
Net loans and leases to core deposits74.3189%3,812
Total domestic deposits to total assets89.0574%590
Equity capital to assets9.7455%4,253
Core capital (leverage) ratio9.6833%3,990
Tier 1 risk-based capital ratio11.8717%4,477
Total risk-based capital ratio12.8139%4,536
Memoranda:
Average total assets$6,272,829,000192
Average earning assets$5,617,674,000195
Average equity$583,510,000225
Average total loans$4,263,058,500197
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5339%2,904
Cost of funding earning assets0.5866%3,719
Net interest margin3.9474%2,103
Noninterest income to average assets8.0426%70
Noninterest expense to average assets8.9464%81
Loan and lease loss provision to assets0.1693%1,076
Net operating income to assets2.4763%159
Return on assets (ROA)2.4763%163
Pretax return on assets2.4763%250
Return on Equity (ROE)27.0538%66
Retained earnings to average equity (ytd only)13.6183%251
Net charge-offs to loans0.4310%387
Credit loss provision to net charge-offs57.4463%2,421
Earnings coverage of net charge-offs (x)8.9772%2,369
Efficiency ratio77.1773%1,248
Assets per employee ($millions)1.3002%5,248
Cash dividends to net income (ytd only)*49.6620%1,817
Condition Ratios (%)
Loss allowance to loans1.1540%2,769
Loan loss allowance to noncurrent loans92.2033%3,451
Noncurrent assets plus other real estate owned to assets0.8598%1,632
Noncurrent loans to loans1.2516%1,268
Net loans and leases to total assets63.0692%3,442
Net loans and leases to deposits70.3606%3,811
Net loans and leases to core deposits70.5657%4,088
Total domestic deposits to total assets89.6371%435
Equity capital to assets9.3954%4,507
Core capital (leverage) ratio9.4037%4,242
Tier 1 risk-based capital ratio11.9242%4,466
Total risk-based capital ratio12.9002%4,505
Memoranda:
Average total assets$6,261,227,670191
Average earning assets$5,630,030,000193
Average equity$573,109,670229
Average total loans$4,281,652,670196
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5450%2,716
Cost of funding earning assets0.5549%3,800
Net interest margin3.9901%1,874
Noninterest income to average assets8.6586%61
Noninterest expense to average assets9.4164%67
Loan and lease loss provision to assets-0.1100%5,295
Net operating income to assets2.9325%88
Return on assets (ROA)2.9325%95
Pretax return on assets2.9325%137
Return on Equity (ROE)32.4847%40
Retained earnings to average equity (ytd only)19.5786%113
Net charge-offs to loans0.1995%707
Credit loss provision to net charge-offs-77.9459%3,525
Earnings coverage of net charge-offs (x)19.9936%1,576
Efficiency ratio76.9382%1,384
Assets per employee ($millions)1.3242%5,306
Cash dividends to net income (ytd only)*39.7298%1,930
Condition Ratios (%)
Loss allowance to loans1.1480%2,867
Loan loss allowance to noncurrent loans74.6029%3,788
Noncurrent assets plus other real estate owned to assets1.0447%1,329
Noncurrent loans to loans1.5389%1,042
Net loans and leases to total assets63.3483%3,366
Net loans and leases to deposits70.3736%3,744
Net loans and leases to core deposits70.5481%4,052
Total domestic deposits to total assets90.0172%440
Equity capital to assets8.9333%4,728
Core capital (leverage) ratio9.5089%4,122
Tier 1 risk-based capital ratio11.6145%4,681
Total risk-based capital ratio12.5922%4,720
Memoranda:
Average total assets$6,179,748,500194
Average earning assets$5,545,058,500193
Average equity$557,875,500234
Average total loans$4,372,986,500192
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4741%2,535
Cost of funding earning assets0.2983%4,579
Net interest margin4.1758%1,463
Noninterest income to average assets8.0465%64
Noninterest expense to average assets9.2628%72
Loan and lease loss provision to assets0.6296%175
Net operating income to assets1.8966%449
Return on assets (ROA)1.8933%450
Pretax return on assets1.8933%731
Return on Equity (ROE)21.8640%160
Retained earnings to average equity (ytd only)18.2390%52
Net charge-offs to loans0.8343%179
Credit loss provision to net charge-offs100.7507%2,496
Earnings coverage of net charge-offs (x)4.0427%3,343
Efficiency ratio78.5721%1,075
Assets per employee ($millions)1.2067%5,356
Cash dividends to net income (ytd only)*16.5798%3,611
Condition Ratios (%)
Loss allowance to loans1.1085%3,041
Loan loss allowance to noncurrent loans83.2832%3,684
Noncurrent assets plus other real estate owned to assets1.1028%1,219
Noncurrent loans to loans1.3310%1,178
Net loans and leases to total assets77.1549%1,416
Net loans and leases to deposits85.6177%2,326
Net loans and leases to core deposits85.8394%2,929
Total domestic deposits to total assets90.1156%435
Equity capital to assets9.1298%4,466
Core capital (leverage) ratio9.4195%4,212
Tier 1 risk-based capital ratio10.4029%5,218
Total risk-based capital ratio11.3878%5,210
Memoranda:
Average total assets$5,734,215,800199
Average earning assets$5,139,101,800199
Average equity$496,552,200245
Average total loans$4,294,710,800192
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3094%2,932
Cost of funding earning assets0.2533%4,769
Net interest margin4.0561%1,769
Noninterest income to average assets8.0706%66
Noninterest expense to average assets9.1438%74
Loan and lease loss provision to assets0.6096%169
Net operating income to assets1.9538%434
Return on assets (ROA)1.9566%421
Pretax return on assets1.9566%709
Return on Equity (ROE)22.9187%137
Retained earnings to average equity (ytd only)22.9187%35
Net charge-offs to loans0.7077%204
Credit loss provision to net charge-offs116.2687%2,034
Earnings coverage of net charge-offs (x)4.8892%3,013
Efficiency ratio78.1043%1,111
Assets per employee ($millions)1.2060%5,426
Cash dividends to net income (ytd only)*0.0000%3,598
Condition Ratios (%)
Loss allowance to loans1.1990%2,629
Loan loss allowance to noncurrent loans78.9870%3,842
Noncurrent assets plus other real estate owned to assets1.2388%1,123
Noncurrent loans to loans1.5180%1,070
Net loans and leases to total assets77.0311%1,496
Net loans and leases to deposits85.6805%2,398
Net loans and leases to core deposits85.9008%2,996
Total domestic deposits to total assets89.9051%540
Equity capital to assets8.9128%4,625
Core capital (leverage) ratio9.5254%4,143
Tier 1 risk-based capital ratio10.4078%5,270
Total risk-based capital ratio11.4703%5,254
Memoranda:
Average total assets$5,686,838,500201
Average earning assets$5,098,529,750199
Average equity$485,483,750249
Average total loans$4,212,970,250193
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1141%3,403
Cost of funding earning assets0.2230%4,901
Net interest margin3.8911%2,232
Noninterest income to average assets8.0870%68
Noninterest expense to average assets9.2562%74
Loan and lease loss provision to assets0.4560%256
Net operating income to assets1.8686%505
Return on assets (ROA)1.8684%504
Pretax return on assets1.8684%842
Return on Equity (ROE)22.2245%155
Retained earnings to average equity (ytd only)22.2245%47
Net charge-offs to loans0.1730%898
Credit loss provision to net charge-offs362.2780%881
Earnings coverage of net charge-offs (x)18.4674%1,900
Efficiency ratio79.9268%1,024
Assets per employee ($millions)1.2176%5,491
Cash dividends to net income (ytd only)*0.0000%3,456
Condition Ratios (%)
Loss allowance to loans1.3829%1,811
Loan loss allowance to noncurrent loans83.7186%3,770
Noncurrent assets plus other real estate owned to assets1.2941%1,095
Noncurrent loans to loans1.6519%971
Net loans and leases to total assets73.6540%2,001
Net loans and leases to deposits81.3908%2,829
Net loans and leases to core deposits81.6075%3,278
Total domestic deposits to total assets90.4942%397
Equity capital to assets8.4861%4,954
Core capital (leverage) ratio9.2159%4,447
Tier 1 risk-based capital ratio10.2345%5,359
Total risk-based capital ratio11.4498%5,302
Memoranda:
Average total assets$5,635,595,330200
Average earning assets$5,060,301,000198
Average equity$473,792,000248
Average total loans$4,099,410,000199
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9322%3,844
Cost of funding earning assets0.2083%4,965
Net interest margin3.7239%2,712
Noninterest income to average assets8.1022%65
Noninterest expense to average assets9.3250%75
Loan and lease loss provision to assets0.3504%348
Net operating income to assets1.7636%605
Return on assets (ROA)1.7642%610
Pretax return on assets1.7642%976
Return on Equity (ROE)21.0890%191
Retained earnings to average equity (ytd only)21.0890%84
Net charge-offs to loans0.2182%686
Credit loss provision to net charge-offs223.9151%974
Earnings coverage of net charge-offs (x)13.5083%1,750
Efficiency ratio81.5190%999
Assets per employee ($millions)1.2050%5,552
Cash dividends to net income (ytd only)*0.0000%2,749
Condition Ratios (%)
Loss allowance to loans1.3241%2,129
Loan loss allowance to noncurrent loans135.2963%2,929
Noncurrent assets plus other real estate owned to assets0.7554%2,060
Noncurrent loans to loans0.9787%1,862
Net loans and leases to total assets70.1403%2,462
Net loans and leases to deposits77.1840%3,093
Net loans and leases to core deposits77.4466%3,541
Total domestic deposits to total assets90.8741%363
Equity capital to assets8.2219%5,166
Core capital (leverage) ratio8.9478%4,738
Tier 1 risk-based capital ratio10.3771%5,393
Total risk-based capital ratio11.5394%5,341
Memoranda:
Average total assets$5,536,096,500202
Average earning assets$4,960,700,000200
Average equity$463,123,500254
Average total loans$3,970,278,000201
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6380%4,484
Cost of funding earning assets0.1476%5,273
Net interest margin3.4904%3,562
Noninterest income to average assets8.6925%68
Noninterest expense to average assets9.7797%73
Loan and lease loss provision to assets0.3684%412
Net operating income to assets1.5982%655
Return on assets (ROA)1.7275%508
Pretax return on assets1.7275%944
Return on Equity (ROE)20.9731%164
Retained earnings to average equity (ytd only)15.9907%68
Net charge-offs to loans0.3705%686
Credit loss provision to net charge-offs148.9530%1,794
Earnings coverage of net charge-offs (x)7.9519%2,971
Efficiency ratio83.2578%834
Assets per employee ($millions)1.1130%5,619
Cash dividends to net income (ytd only)*23.7562%3,544
Condition Ratios (%)
Loss allowance to loans1.3103%2,168
Loan loss allowance to noncurrent loans125.7179%3,132
Noncurrent assets plus other real estate owned to assets0.8181%1,907
Noncurrent loans to loans1.0423%1,710
Net loans and leases to total assets71.4410%2,310
Net loans and leases to deposits78.7160%3,039
Net loans and leases to core deposits78.9916%3,504
Total domestic deposits to total assets90.7579%319
Equity capital to assets8.5179%5,109
Core capital (leverage) ratio8.9220%4,736
Tier 1 risk-based capital ratio10.3536%5,425
Total risk-based capital ratio11.5116%5,382
Memoranda:
Average total assets$5,117,003,000207
Average earning assets$4,476,975,400208
Average equity$421,482,400257
Average total loans$3,415,370,400220
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.5319%4,738
Cost of funding earning assets0.1441%5,349
Net interest margin3.3878%3,892
Noninterest income to average assets8.7974%71
Noninterest expense to average assets9.9876%72
Loan and lease loss provision to assets0.2705%607
Net operating income to assets1.4899%917
Return on assets (ROA)1.6628%642
Pretax return on assets1.6628%1,208
Return on Equity (ROE)20.3720%207
Retained earnings to average equity (ytd only)13.5834%175
Net charge-offs to loans0.2239%965
Credit loss provision to net charge-offs185.1517%1,434
Earnings coverage of net charge-offs (x)12.0511%2,456
Efficiency ratio85.0159%685
Assets per employee ($millions)1.1167%5,681
Cash dividends to net income (ytd only)*33.3233%2,591
Condition Ratios (%)
Loss allowance to loans1.3212%2,256
Loan loss allowance to noncurrent loans199.2029%2,244
Noncurrent assets plus other real estate owned to assets0.5398%2,903
Noncurrent loans to loans0.6633%2,713
Net loans and leases to total assets70.1132%2,541
Net loans and leases to deposits77.5052%3,223
Net loans and leases to core deposits77.8014%3,657
Total domestic deposits to total assets90.4625%340
Equity capital to assets8.2862%5,404
Core capital (leverage) ratio8.8027%4,963
Tier 1 risk-based capital ratio10.4311%5,476
Total risk-based capital ratio11.6256%5,428
Memoranda:
Average total assets$5,053,106,250209
Average earning assets$4,400,960,500212
Average equity$412,445,250259
Average total loans$3,296,914,500224
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.4463%4,885
Cost of funding earning assets0.1427%5,383
Net interest margin3.3036%4,095
Noninterest income to average assets8.8960%70
Noninterest expense to average assets10.0162%73
Loan and lease loss provision to assets0.2510%664
Net operating income to assets1.4818%899
Return on assets (ROA)1.6782%604
Pretax return on assets1.6782%1,107
Return on Equity (ROE)20.6715%192
Retained earnings to average equity (ytd only)12.7575%263
Net charge-offs to loans0.2007%1,006
Credit loss provision to net charge-offs197.9101%1,281
Earnings coverage of net charge-offs (x)13.6643%2,118
Efficiency ratio85.2513%744
Assets per employee ($millions)1.0484%5,737
Cash dividends to net income (ytd only)*38.2848%2,408
Condition Ratios (%)
Loss allowance to loans1.3600%2,117
Loan loss allowance to noncurrent loans424.0851%1,194
Noncurrent assets plus other real estate owned to assets0.2976%3,944
Noncurrent loans to loans0.3207%3,883
Net loans and leases to total assets69.0612%2,660
Net loans and leases to deposits76.3073%3,307
Net loans and leases to core deposits76.6089%3,720
Total domestic deposits to total assets90.5041%357
Equity capital to assets8.4109%5,350
Core capital (leverage) ratio8.7048%5,043
Tier 1 risk-based capital ratio10.9974%5,252
Total risk-based capital ratio12.2476%5,153
Memoranda:
Average total assets$4,980,535,330211
Average earning assets$4,301,284,330216
Average equity$404,343,670264
Average total loans$3,147,546,670231
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2436%5,187
Cost of funding earning assets0.1420%5,422
Net interest margin3.1016%4,645
Noninterest income to average assets8.8456%67
Noninterest expense to average assets9.8914%70
Loan and lease loss provision to assets0.0686%2,441
Net operating income to assets1.5474%750
Return on assets (ROA)1.5756%730
Pretax return on assets1.5756%1,298
Return on Equity (ROE)19.7690%240
Retained earnings to average equity (ytd only)8.6338%1,219
Net charge-offs to loans0.3112%594
Credit loss provision to net charge-offs36.8924%2,082
Earnings coverage of net charge-offs (x)8.6931%2,039
Efficiency ratio85.9570%806
Assets per employee ($millions)1.0191%5,807
Cash dividends to net income (ytd only)*56.3265%1,530
Condition Ratios (%)
Loss allowance to loans1.4022%2,064
Loan loss allowance to noncurrent loans263.8723%1,802
Noncurrent assets plus other real estate owned to assets0.3403%3,834
Noncurrent loans to loans0.5314%3,217
Net loans and leases to total assets60.1777%3,767
Net loans and leases to deposits66.7384%4,108
Net loans and leases to core deposits67.0041%4,357
Total domestic deposits to total assets90.1696%590
Equity capital to assets7.8965%5,567
Core capital (leverage) ratio8.4807%5,243
Tier 1 risk-based capital ratio11.7690%4,873
Total risk-based capital ratio13.0193%4,777
Memoranda:
Average total assets$4,957,745,000212
Average earning assets$4,254,660,500217
Average equity$395,143,500266
Average total loans$2,961,843,500241
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0643%5,443
Cost of funding earning assets0.1362%5,511
Net interest margin2.9281%5,084
Noninterest income to average assets9.2950%67
Noninterest expense to average assets9.9766%76
Loan and lease loss provision to assets0.2683%752
Net operating income to assets1.5152%807
Return on assets (ROA)1.7577%502
Pretax return on assets1.7577%875
Return on Equity (ROE)21.0561%177
Retained earnings to average equity (ytd only)3.6146%3,350
Net charge-offs to loans0.1760%1,559
Credit loss provision to net charge-offs274.6434%1,055
Earnings coverage of net charge-offs (x)18.2565%1,978
Efficiency ratio84.8340%922
Assets per employee ($millions)0.9725%5,867
Cash dividends to net income (ytd only)*82.8334%805
Condition Ratios (%)
Loss allowance to loans1.5792%1,424
Loan loss allowance to noncurrent loans518.0051%1,030
Noncurrent assets plus other real estate owned to assets0.2440%4,328
Noncurrent loans to loans0.3049%4,046
Net loans and leases to total assets57.4729%4,118
Net loans and leases to deposits63.5330%4,447
Net loans and leases to core deposits63.8108%4,645
Total domestic deposits to total assets90.4614%460
Equity capital to assets8.0471%5,541
Core capital (leverage) ratio8.4947%5,263
Tier 1 risk-based capital ratio12.6071%4,319
Total risk-based capital ratio13.8594%4,211
Memoranda:
Average total assets$4,807,919,200205
Average earning assets$4,047,767,400215
Average equity$401,342,000255
Average total loans$2,669,473,200248
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9926%5,575
Cost of funding earning assets0.1361%5,580
Net interest margin2.8564%5,254
Noninterest income to average assets9.4103%67
Noninterest expense to average assets10.1023%72
Loan and lease loss provision to assets0.2168%960
Net operating income to assets1.4887%899
Return on assets (ROA)1.7448%580
Pretax return on assets1.7448%1,013
Return on Equity (ROE)20.7132%206
Retained earnings to average equity (ytd only)2.8926%4,165
Net charge-offs to loans0.1622%1,403
Credit loss provision to net charge-offs243.9024%1,217
Earnings coverage of net charge-offs (x)19.1851%1,953
Efficiency ratio85.5558%860
Assets per employee ($millions)0.9895%5,935
Cash dividends to net income (ytd only)*86.0352%606
Condition Ratios (%)
Loss allowance to loans1.5664%1,578
Loan loss allowance to noncurrent loans324.3637%1,521
Noncurrent assets plus other real estate owned to assets0.2721%4,341
Noncurrent loans to loans0.4829%3,561
Net loans and leases to total assets53.7935%4,508
Net loans and leases to deposits60.4841%4,722
Net loans and leases to core deposits60.7693%4,894
Total domestic deposits to total assets88.9382%939
Equity capital to assets8.6005%5,474
Core capital (leverage) ratio8.5099%5,353
Tier 1 risk-based capital ratio13.2993%3,977
Total risk-based capital ratio14.5513%3,887
Memoranda:
Average total assets$4,796,278,750208
Average earning assets$4,025,842,750216
Average equity$404,016,000255
Average total loans$2,628,147,750250
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9423%5,692
Cost of funding earning assets0.1367%5,636
Net interest margin2.8056%5,418
Noninterest income to average assets9.3422%65
Noninterest expense to average assets9.8377%74
Loan and lease loss provision to assets0.3255%522
Net operating income to assets1.5207%859
Return on assets (ROA)1.6528%683
Pretax return on assets1.6528%1,215
Return on Equity (ROE)19.7602%253
Retained earnings to average equity (ytd only)5.7891%2,244
Net charge-offs to loans0.1364%1,511
Credit loss provision to net charge-offs435.0251%730
Earnings coverage of net charge-offs (x)24.6721%1,535
Efficiency ratio84.1984%1,029
Assets per employee ($millions)0.9751%6,010
Cash dividends to net income (ytd only)*70.7035%1,156
Condition Ratios (%)
Loss allowance to loans1.5276%1,766
Loan loss allowance to noncurrent loans403.3542%1,279
Noncurrent assets plus other real estate owned to assets0.2291%4,575
Noncurrent loans to loans0.3787%4,006
Net loans and leases to total assets57.0622%4,208
Net loans and leases to deposits63.5552%4,524
Net loans and leases to core deposits63.8601%4,757
Total domestic deposits to total assets89.7837%570
Equity capital to assets8.5295%5,578
Core capital (leverage) ratio8.5115%5,357
Tier 1 risk-based capital ratio13.2636%4,036
Total risk-based capital ratio14.5160%3,951
Memoranda:
Average total assets$4,792,073,000209
Average earning assets$3,999,859,000217
Average equity$400,825,670257
Average total loans$2,628,184,670253
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8907%5,793
Cost of funding earning assets0.1366%5,702
Net interest margin2.7541%5,538
Noninterest income to average assets9.2529%64
Noninterest expense to average assets9.7747%73
Loan and lease loss provision to assets0.3428%436
Net operating income to assets1.4487%945
Return on assets (ROA)1.6396%688
Pretax return on assets1.6396%1,206
Return on Equity (ROE)19.7990%257
Retained earnings to average equity (ytd only)10.2065%806
Net charge-offs to loans0.1459%1,239
Credit loss provision to net charge-offs440.8602%662
Earnings coverage of net charge-offs (x)23.0376%1,382
Efficiency ratio84.5104%1,110
Assets per employee ($millions)1.0072%6,072
Cash dividends to net income (ytd only)*48.4496%1,809
Condition Ratios (%)
Loss allowance to loans1.4990%1,990
Loan loss allowance to noncurrent loans385.0097%1,307
Noncurrent assets plus other real estate owned to assets0.2181%4,689
Noncurrent loans to loans0.3893%4,042
Net loans and leases to total assets53.1428%4,524
Net loans and leases to deposits58.9791%4,781
Net loans and leases to core deposits59.2884%4,983
Total domestic deposits to total assets90.1044%559
Equity capital to assets8.2307%5,724
Core capital (leverage) ratio8.5146%5,380
Tier 1 risk-based capital ratio13.8260%3,794
Total risk-based capital ratio15.0780%3,733
Memoranda:
Average total assets$4,783,549,000210
Average earning assets$4,017,958,000216
Average equity$396,141,500260
Average total loans$2,548,896,500255
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8235%5,864
Cost of funding earning assets0.1445%5,719
Net interest margin2.6790%5,673
Noninterest income to average assets9.3273%71
Noninterest expense to average assets9.6971%75
Loan and lease loss provision to assets0.1705%1,344
Net operating income to assets1.7064%568
Return on assets (ROA)1.7617%532
Pretax return on assets1.7617%869
Return on Equity (ROE)20.3120%237
Retained earnings to average equity (ytd only)-1.3710%5,697
Net charge-offs to loans0.2177%1,357
Credit loss provision to net charge-offs154.6289%1,727
Earnings coverage of net charge-offs (x)17.0249%2,096
Efficiency ratio83.7835%1,197
Assets per employee ($millions)0.9743%6,132
Cash dividends to net income (ytd only)*106.7496%329
Condition Ratios (%)
Loss allowance to loans1.4941%2,037
Loan loss allowance to noncurrent loans365.2647%1,382
Noncurrent assets plus other real estate owned to assets0.2191%4,717
Noncurrent loans to loans0.4090%3,988
Net loans and leases to total assets51.7951%4,709
Net loans and leases to deposits57.4485%4,950
Net loans and leases to core deposits57.7908%5,114
Total domestic deposits to total assets90.1591%567
Equity capital to assets8.3348%5,679
Core capital (leverage) ratio8.5281%5,394
Tier 1 risk-based capital ratio14.1281%3,650
Total risk-based capital ratio15.3795%3,560
Memoranda:
Average total assets$4,546,278,400211
Average earning assets$3,812,623,800213
Average equity$394,318,200249
Average total loans$2,302,157,200258
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.8069%5,952
Cost of funding earning assets0.1476%5,797
Net interest margin2.6594%5,775
Noninterest income to average assets9.3051%73
Noninterest expense to average assets9.6866%82
Loan and lease loss provision to assets0.1549%1,398
Net operating income to assets1.6760%656
Return on assets (ROA)1.7368%604
Pretax return on assets1.7368%1,013
Return on Equity (ROE)19.8254%282
Retained earnings to average equity (ytd only)-3.2427%5,950
Net charge-offs to loans0.1862%1,368
Credit loss provision to net charge-offs165.9292%1,555
Earnings coverage of net charge-offs (x)19.6138%1,927
Efficiency ratio84.1036%1,157
Assets per employee ($millions)0.9583%6,219
Cash dividends to net income (ytd only)*116.3561%243
Condition Ratios (%)
Loss allowance to loans1.5118%2,109
Loan loss allowance to noncurrent loans358.8588%1,368
Noncurrent assets plus other real estate owned to assets0.2302%4,844
Noncurrent loans to loans0.4213%4,089
Net loans and leases to total assets52.1304%4,747
Net loans and leases to deposits58.2661%4,980
Net loans and leases to core deposits58.6321%5,152
Total domestic deposits to total assets89.4696%787
Equity capital to assets8.6577%5,604
Core capital (leverage) ratio8.5048%5,549
Tier 1 risk-based capital ratio14.9801%3,304
Total risk-based capital ratio16.2324%3,244
Memoranda:
Average total assets$4,519,304,750212
Average earning assets$3,759,628,750219
Average equity$395,919,000251
Average total loans$2,265,897,750266
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7730%6,040
Cost of funding earning assets0.1477%5,865
Net interest margin2.6253%5,855
Noninterest income to average assets9.1700%79
Noninterest expense to average assets9.6351%85
Loan and lease loss provision to assets0.1435%1,518
Net operating income to assets1.5730%792
Return on assets (ROA)1.6438%718
Pretax return on assets1.6438%1,204
Return on Equity (ROE)18.6910%361
Retained earnings to average equity (ytd only)-2.6452%5,885
Net charge-offs to loans0.1783%1,387
Credit loss provision to net charge-offs163.4809%1,447
Earnings coverage of net charge-offs (x)19.5563%1,744
Efficiency ratio84.8786%1,165
Assets per employee ($millions)0.9468%6,297
Cash dividends to net income (ytd only)*114.1522%358
Condition Ratios (%)
Loss allowance to loans1.5406%2,113
Loan loss allowance to noncurrent loans364.2375%1,362
Noncurrent assets plus other real estate owned to assets0.2254%4,968
Noncurrent loans to loans0.4230%4,211
Net loans and leases to total assets50.4660%4,888
Net loans and leases to deposits56.5561%5,088
Net loans and leases to core deposits56.9160%5,261
Total domestic deposits to total assets89.2317%1,034
Equity capital to assets8.7169%5,510
Core capital (leverage) ratio8.5349%5,502
Tier 1 risk-based capital ratio15.4840%3,113
Total risk-based capital ratio16.7363%3,060
Memoranda:
Average total assets$4,529,868,670214
Average earning assets$3,764,273,330220
Average equity$398,384,330254
Average total loans$2,229,422,670269
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6589%6,147
Cost of funding earning assets0.1471%5,952
Net interest margin2.5118%6,002
Noninterest income to average assets9.0247%81
Noninterest expense to average assets9.4223%89
Loan and lease loss provision to assets0.1312%1,580
Net operating income to assets1.5441%785
Return on assets (ROA)1.6465%691
Pretax return on assets1.6465%1,163
Return on Equity (ROE)18.6417%340
Retained earnings to average equity (ytd only)18.6417%127
Net charge-offs to loans0.1179%1,571
Credit loss provision to net charge-offs230.7692%960
Earnings coverage of net charge-offs (x)29.4662%1,165
Efficiency ratio84.9040%1,278
Assets per employee ($millions)0.9779%6,368
Cash dividends to net income (ytd only)*0.0000%2,870
Condition Ratios (%)
Loss allowance to loans1.5454%2,252
Loan loss allowance to noncurrent loans378.5067%1,274
Noncurrent assets plus other real estate owned to assets0.2028%5,149
Noncurrent loans to loans0.4083%4,366
Net loans and leases to total assets47.7507%5,061
Net loans and leases to deposits53.5468%5,229
Net loans and leases to core deposits53.8636%5,375
Total domestic deposits to total assets89.1755%1,156
Equity capital to assets8.9661%5,333
Core capital (leverage) ratio9.0237%4,923
Tier 1 risk-based capital ratio16.2472%2,803
Total risk-based capital ratio17.4991%2,746
Memoranda:
Average total assets$4,573,075,500213
Average earning assets$3,773,827,000219
Average equity$403,911,500245
Average total loans$2,205,374,500268
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7476%6,236
Cost of funding earning assets0.1622%6,031
Net interest margin2.5853%6,092
Noninterest income to average assets10.1654%67
Noninterest expense to average assets10.3756%71
Loan and lease loss provision to assets0.0309%3,985
Net operating income to assets1.8871%400
Return on assets (ROA)1.8989%409
Pretax return on assets1.8989%645
Return on Equity (ROE)21.2283%197
Retained earnings to average equity (ytd only)9.2533%653
Net charge-offs to loans0.0429%3,964
Credit loss provision to net charge-offs153.3019%1,582
Earnings coverage of net charge-offs (x)95.0212%551
Efficiency ratio84.3979%1,357
Assets per employee ($millions)0.9568%6,458
Cash dividends to net income (ytd only)*56.4108%1,931
Condition Ratios (%)
Loss allowance to loans1.5609%2,225
Loan loss allowance to noncurrent loans363.4361%1,392
Noncurrent assets plus other real estate owned to assets0.2109%5,178
Noncurrent loans to loans0.4295%4,355
Net loans and leases to total assets47.1954%5,231
Net loans and leases to deposits52.5812%5,437
Net loans and leases to core deposits52.8900%5,574
Total domestic deposits to total assets89.7571%852
Equity capital to assets8.6955%5,580
Core capital (leverage) ratio9.0522%4,905
Tier 1 risk-based capital ratio16.0817%2,923
Total risk-based capital ratio17.3338%2,862
Memoranda:
Average total assets$4,201,003,000213
Average earning assets$3,458,223,800223
Average equity$375,781,200250
Average total loans$1,977,609,200268
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.7281%6,319
Cost of funding earning assets0.1642%6,097
Net interest margin2.5640%6,166
Noninterest income to average assets10.4313%66
Noninterest expense to average assets10.5759%68
Loan and lease loss provision to assets0.0081%4,255
Net operating income to assets1.9679%361
Return on assets (ROA)1.9838%366
Pretax return on assets1.9838%592
Return on Equity (ROE)22.0098%191
Retained earnings to average equity (ytd only)17.5232%125
Net charge-offs to loans-0.0240%5,667
Credit loss provision to net charge-offs-71.8391%5,397
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio84.2575%1,359
Assets per employee ($millions)0.8905%6,539
Cash dividends to net income (ytd only)*20.3845%3,191
Condition Ratios (%)
Loss allowance to loans1.6154%2,246
Loan loss allowance to noncurrent loans248.2353%1,823
Noncurrent assets plus other real estate owned to assets0.3300%4,949
Noncurrent loans to loans0.6507%3,986
Net loans and leases to total assets49.2045%5,092
Net loans and leases to deposits55.5882%5,273
Net loans and leases to core deposits55.9538%5,451
Total domestic deposits to total assets88.5162%1,489
Equity capital to assets9.4724%4,827
Core capital (leverage) ratio9.5869%4,266
Tier 1 risk-based capital ratio17.1223%2,563
Total risk-based capital ratio18.3750%2,520
Memoranda:
Average total assets$4,121,273,000213
Average earning assets$3,408,558,250221
Average equity$371,468,500248
Average total loans$1,930,256,750271
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.6733%6,410
Cost of funding earning assets0.1649%6,159
Net interest margin2.5084%6,265
Noninterest income to average assets10.3644%65
Noninterest expense to average assets10.6555%68
Loan and lease loss provision to assets0.0000%4,196
Net operating income to assets1.7825%503
Return on assets (ROA)1.8057%504
Pretax return on assets1.8057%834
Return on Equity (ROE)20.3888%272
Retained earnings to average equity (ytd only)13.4927%294
Net charge-offs to loans-0.2150%6,359
Credit loss provision to net charge-offs0.0000%3,401
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.6691%1,297
Assets per employee ($millions)0.8830%6,608
Cash dividends to net income (ytd only)*33.8231%2,640
Condition Ratios (%)
Loss allowance to loans1.7675%1,934
Loan loss allowance to noncurrent loans496.6456%934
Noncurrent assets plus other real estate owned to assets0.1803%5,595
Noncurrent loans to loans0.3559%4,931
Net loans and leases to total assets47.1591%5,250
Net loans and leases to deposits53.0755%5,417
Net loans and leases to core deposits53.4222%5,588
Total domestic deposits to total assets88.8529%1,444
Equity capital to assets8.9927%5,309
Core capital (leverage) ratio9.0367%4,963
Tier 1 risk-based capital ratio16.3972%2,880
Total risk-based capital ratio17.6510%2,833
Memoranda:
Average total assets$4,093,403,330209
Average earning assets$3,383,938,000220
Average equity$362,523,000251
Average total loans$1,872,687,670275
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5901%6,524
Cost of funding earning assets0.1674%6,245
Net interest margin2.4226%6,401
Noninterest income to average assets10.1886%61
Noninterest expense to average assets10.4688%68
Loan and lease loss provision to assets0.0000%3,817
Net operating income to assets1.7137%560
Return on assets (ROA)1.7458%543
Pretax return on assets1.7458%886
Return on Equity (ROE)19.8700%297
Retained earnings to average equity (ytd only)19.8700%122
Net charge-offs to loans0.0819%2,333
Credit loss provision to net charge-offs0.0000%2,688
Earnings coverage of net charge-offs (x)46.9541%789
Efficiency ratio85.9328%1,462
Assets per employee ($millions)0.8781%6,680
Cash dividends to net income (ytd only)*0.0000%2,852
Condition Ratios (%)
Loss allowance to loans1.7872%2,078
Loan loss allowance to noncurrent loans396.3848%1,165
Noncurrent assets plus other real estate owned to assets0.2153%5,569
Noncurrent loans to loans0.4509%4,797
Net loans and leases to total assets42.9196%5,594
Net loans and leases to deposits47.9943%5,731
Net loans and leases to core deposits48.2866%5,856
Total domestic deposits to total assets89.4263%1,407
Equity capital to assets8.6466%5,499
Core capital (leverage) ratio9.0166%4,986
Tier 1 risk-based capital ratio16.5111%2,893
Total risk-based capital ratio17.7641%2,860
Memoranda:
Average total assets$4,054,970,000211
Average earning assets$3,337,512,500222
Average equity$356,275,000252
Average total loans$1,808,007,500279
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.5424%6,603
Cost of funding earning assets0.1854%6,359
Net interest margin2.3570%6,479
Noninterest income to average assets10.7788%59
Noninterest expense to average assets10.9017%69
Loan and lease loss provision to assets0.0000%5,091
Net operating income to assets1.7786%503
Return on assets (ROA)1.8051%489
Pretax return on assets1.8051%751
Return on Equity (ROE)19.9074%280
Retained earnings to average equity (ytd only)1.2352%5,274
Net charge-offs to loans0.0148%5,152
Credit loss provision to net charge-offs0.0000%4,707
Earnings coverage of net charge-offs (x)279.7154%161
Efficiency ratio85.9734%1,417
Assets per employee ($millions)0.7953%6,762
Cash dividends to net income (ytd only)*93.7952%553
Condition Ratios (%)
Loss allowance to loans1.8861%1,812
Loan loss allowance to noncurrent loans291.2383%1,533
Noncurrent assets plus other real estate owned to assets0.3449%5,236
Noncurrent loans to loans0.6476%4,354
Net loans and leases to total assets44.6931%5,611
Net loans and leases to deposits50.0179%5,767
Net loans and leases to core deposits50.3195%5,911
Total domestic deposits to total assets89.3542%1,408
Equity capital to assets8.9379%5,111
Core capital (leverage) ratio9.0593%4,915
Tier 1 risk-based capital ratio16.2959%2,968
Total risk-based capital ratio17.5499%2,918
Memoranda:
Average total assets$3,868,757,000211
Average earning assets$3,121,067,400222
Average equity$350,788,600242
Average total loans$1,664,943,200286
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.4958%6,695
Cost of funding earning assets0.1876%6,462
Net interest margin2.3083%6,584
Noninterest income to average assets10.8289%65
Noninterest expense to average assets10.8336%71
Loan and lease loss provision to assets0.0000%4,941
Net operating income to assets1.8516%477
Return on assets (ROA)1.8524%489
Pretax return on assets1.8524%794
Return on Equity (ROE)20.3567%281
Retained earnings to average equity (ytd only)1.5907%5,337
Net charge-offs to loans0.0128%4,884
Credit loss provision to net charge-offs0.0000%4,342
Earnings coverage of net charge-offs (x)341.8631%174
Efficiency ratio85.4034%1,427
Assets per employee ($millions)0.7932%6,844
Cash dividends to net income (ytd only)*92.1856%529
Condition Ratios (%)
Loss allowance to loans1.9988%1,720
Loan loss allowance to noncurrent loans269.1169%1,510
Noncurrent assets plus other real estate owned to assets0.3746%5,286
Noncurrent loans to loans0.7427%4,362
Net loans and leases to total assets42.4205%5,866
Net loans and leases to deposits47.7349%5,979
Net loans and leases to core deposits48.0060%6,126
Total domestic deposits to total assets88.8669%1,631
Equity capital to assets8.9112%5,290
Core capital (leverage) ratio9.1567%4,893
Tier 1 risk-based capital ratio16.9348%2,737
Total risk-based capital ratio18.1896%2,698
Memoranda:
Average total assets$3,864,870,250209
Average earning assets$3,108,064,250219
Average equity$351,691,750241
Average total loans$1,638,832,000290
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.3697%6,781
Cost of funding earning assets0.1899%6,525
Net interest margin2.1798%6,692
Noninterest income to average assets10.9856%63
Noninterest expense to average assets10.8347%69
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.8955%424
Return on assets (ROA)1.8966%459
Pretax return on assets1.8966%754
Return on Equity (ROE)20.6999%266
Retained earnings to average equity (ytd only)4.6000%3,339
Net charge-offs to loans-0.0757%6,413
Credit loss provision to net charge-offs0.0000%4,003
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio85.1106%1,514
Assets per employee ($millions)0.8024%6,890
Cash dividends to net income (ytd only)*77.7775%963
Condition Ratios (%)
Loss allowance to loans2.0845%1,667
Loan loss allowance to noncurrent loans462.7602%936
Noncurrent assets plus other real estate owned to assets0.2095%5,873
Noncurrent loans to loans0.4505%5,138
Net loans and leases to total assets41.1094%5,959
Net loans and leases to deposits46.3001%6,085
Net loans and leases to core deposits46.5612%6,211
Total domestic deposits to total assets88.7890%1,739
Equity capital to assets9.0975%5,103
Core capital (leverage) ratio9.2066%4,692
Tier 1 risk-based capital ratio17.4384%2,535
Total risk-based capital ratio18.6941%2,505
Memoranda:
Average total assets$3,863,984,330209
Average earning assets$3,092,621,670218
Average equity$354,041,000241
Average total loans$1,627,080,000291
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.2922%6,871
Cost of funding earning assets0.1960%6,590
Net interest margin2.0962%6,811
Noninterest income to average assets10.8531%64
Noninterest expense to average assets10.6737%74
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.8445%443
Return on assets (ROA)1.8469%485
Pretax return on assets1.8469%811
Return on Equity (ROE)20.0848%289
Retained earnings to average equity (ytd only)8.7573%1,467
Net charge-offs to loans0.1015%2,840
Credit loss provision to net charge-offs0.0000%3,239
Earnings coverage of net charge-offs (x)43.0852%739
Efficiency ratio85.2652%1,611
Assets per employee ($millions)0.8121%6,966
Cash dividends to net income (ytd only)*56.3984%1,396
Condition Ratios (%)
Loss allowance to loans2.0526%1,913
Loan loss allowance to noncurrent loans300.0904%1,322
Noncurrent assets plus other real estate owned to assets0.3005%5,668
Noncurrent loans to loans0.6840%4,763
Net loans and leases to total assets39.8305%6,013
Net loans and leases to deposits44.7224%6,143
Net loans and leases to core deposits44.9782%6,264
Total domestic deposits to total assets89.0616%1,651
Equity capital to assets8.9659%5,526
Core capital (leverage) ratio9.2715%4,453
Tier 1 risk-based capital ratio17.5313%2,548
Total risk-based capital ratio18.7865%2,512
Memoranda:
Average total assets$3,840,086,000212
Average earning assets$3,050,517,500224
Average equity$353,123,500247
Average total loans$1,619,447,000294
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9232%6,808
Cost of funding earning assets0.2810%6,550
Net interest margin2.6423%6,594
Noninterest income to average assets11.1502%65
Noninterest expense to average assets11.4107%66
Loan and lease loss provision to assets-0.3565%7,023
Net operating income to assets2.1532%279
Return on assets (ROA)2.1680%297
Pretax return on assets2.1680%440
Return on Equity (ROE)23.0985%176
Retained earnings to average equity (ytd only)3.6671%3,642
Net charge-offs to loans0.0075%5,843
Credit loss provision to net charge-offs-11,016.9492%6,709
Earnings coverage of net charge-offs (x)555.1780%74
Efficiency ratio86.3965%1,392
Assets per employee ($millions)0.7643%7,031
Cash dividends to net income (ytd only)*84.1240%872
Condition Ratios (%)
Loss allowance to loans2.0740%1,831
Loan loss allowance to noncurrent loans299.5011%1,299
Noncurrent assets plus other real estate owned to assets0.3321%5,670
Noncurrent loans to loans0.6925%4,806
Net loans and leases to total assets42.8836%5,908
Net loans and leases to deposits48.4246%6,081
Net loans and leases to core deposits48.7287%6,225
Total domestic deposits to total assets88.5576%1,866
Equity capital to assets9.4428%4,947
Core capital (leverage) ratio9.3916%4,265
Tier 1 risk-based capital ratio17.7304%2,368
Total risk-based capital ratio18.9865%2,329
Memoranda:
Average total assets$3,646,246,800217
Average earning assets$2,838,839,200234
Average equity$342,230,400252
Average total loans$1,570,190,200294
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets2.9751%6,911
Cost of funding earning assets0.2930%6,646
Net interest margin2.6821%6,669
Noninterest income to average assets11.1836%67
Noninterest expense to average assets11.4766%65
Loan and lease loss provision to assets-0.4772%7,142
Net operating income to assets2.2669%252
Return on assets (ROA)2.2813%268
Pretax return on assets2.2813%417
Return on Equity (ROE)24.3438%157
Retained earnings to average equity (ytd only)3.3888%4,482
Net charge-offs to loans0.0446%5,028
Credit loss provision to net charge-offs-2,495.2015%6,623
Earnings coverage of net charge-offs (x)93.5892%448
Efficiency ratio86.5090%1,342
Assets per employee ($millions)0.7818%7,128
Cash dividends to net income (ytd only)*86.0793%531
Condition Ratios (%)
Loss allowance to loans2.1510%1,803
Loan loss allowance to noncurrent loans318.8022%1,176
Noncurrent assets plus other real estate owned to assets0.3422%5,829
Noncurrent loans to loans0.6747%5,094
Net loans and leases to total assets40.4524%6,244
Net loans and leases to deposits45.5459%6,419
Net loans and leases to core deposits45.8044%6,521
Total domestic deposits to total assets88.8168%1,526
Equity capital to assets9.2395%5,551
Core capital (leverage) ratio9.5304%4,225
Tier 1 risk-based capital ratio17.5355%2,529
Total risk-based capital ratio18.7913%2,492
Memoranda:
Average total assets$3,632,405,500220
Average earning assets$2,820,798,750235
Average equity$340,404,250254
Average total loans$1,557,486,500297
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0505%6,956
Cost of funding earning assets0.3032%6,727
Net interest margin2.7473%6,653
Noninterest income to average assets11.3516%67
Noninterest expense to average assets11.7560%66
Loan and lease loss provision to assets-0.7226%7,219
Net operating income to assets2.4424%192
Return on assets (ROA)2.4493%218
Pretax return on assets2.4493%319
Return on Equity (ROE)26.0099%134
Retained earnings to average equity (ytd only)2.3994%4,995
Net charge-offs to loans-0.0238%6,468
Credit loss provision to net charge-offs6,989.2473%43
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio87.2376%1,313
Assets per employee ($millions)0.7552%7,193
Cash dividends to net income (ytd only)*90.7750%587
Condition Ratios (%)
Loss allowance to loans2.1540%1,874
Loan loss allowance to noncurrent loans296.2190%1,216
Noncurrent assets plus other real estate owned to assets0.3886%5,812
Noncurrent loans to loans0.7272%5,050
Net loans and leases to total assets42.6510%6,134
Net loans and leases to deposits48.1371%6,302
Net loans and leases to core deposits48.4573%6,433
Total domestic deposits to total assets88.6032%1,756
Equity capital to assets9.4097%5,180
Core capital (leverage) ratio9.4192%4,272
Tier 1 risk-based capital ratio17.9779%2,296
Total risk-based capital ratio19.2352%2,266
Memoranda:
Average total assets$3,598,121,330223
Average earning assets$2,782,144,330241
Average equity$338,832,670253
Average total loans$1,561,909,330294
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.0982%7,001
Cost of funding earning assets0.3150%6,796
Net interest margin2.7831%6,662
Noninterest income to average assets11.5508%66
Noninterest expense to average assets11.6471%65
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets2.0442%386
Return on assets (ROA)2.0582%434
Pretax return on assets2.0582%676
Return on Equity (ROE)21.8481%278
Retained earnings to average equity (ytd only)7.0667%2,402
Net charge-offs to loans0.0777%3,720
Credit loss provision to net charge-offs0.0000%3,998
Earnings coverage of net charge-offs (x)60.7616%547
Efficiency ratio85.0695%1,573
Assets per employee ($millions)0.7683%7,259
Cash dividends to net income (ytd only)*67.6553%1,030
Condition Ratios (%)
Loss allowance to loans2.9878%842
Loan loss allowance to noncurrent loans325.6083%1,022
Noncurrent assets plus other real estate owned to assets0.4859%5,645
Noncurrent loans to loans0.9176%4,831
Net loans and leases to total assets40.8322%6,279
Net loans and leases to deposits45.7905%6,443
Net loans and leases to core deposits46.1261%6,560
Total domestic deposits to total assets89.1718%1,587
Equity capital to assets9.2326%5,184
Core capital (leverage) ratio9.4922%4,059
Tier 1 risk-based capital ratio17.9479%2,310
Total risk-based capital ratio19.2132%2,282
Memoranda:
Average total assets$3,590,686,000223
Average earning assets$2,761,627,000239
Average equity$338,263,000246
Average total loans$1,555,414,000290
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6833%6,864
Cost of funding earning assets0.4982%6,542
Net interest margin3.1851%6,140
Noninterest income to average assets11.6835%57
Noninterest expense to average assets11.4737%66
Loan and lease loss provision to assets0.4466%2,369
Net operating income to assets2.1147%259
Return on assets (ROA)2.1255%273
Pretax return on assets2.1255%426
Return on Equity (ROE)20.3203%252
Retained earnings to average equity (ytd only)-9.3828%6,683
Net charge-offs to loans1.1857%1,422
Credit loss provision to net charge-offs82.7708%4,336
Earnings coverage of net charge-offs (x)4.7466%2,990
Efficiency ratio81.2664%2,123
Assets per employee ($millions)0.7328%7,310
Cash dividends to net income (ytd only)*146.1747%157
Condition Ratios (%)
Loss allowance to loans3.0024%815
Loan loss allowance to noncurrent loans286.5016%1,157
Noncurrent assets plus other real estate owned to assets0.5266%5,651
Noncurrent loans to loans1.0479%4,612
Net loans and leases to total assets43.2783%6,265
Net loans and leases to deposits48.7446%6,446
Net loans and leases to core deposits49.1440%6,578
Total domestic deposits to total assets88.7859%1,666
Equity capital to assets9.6195%4,718
Core capital (leverage) ratio9.7345%3,696
Tier 1 risk-based capital ratio17.7389%2,288
Total risk-based capital ratio19.0046%2,251
Memoranda:
Average total assets$3,459,151,200222
Average earning assets$2,553,829,000253
Average equity$361,821,000233
Average total loans$1,574,255,000292
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7360%6,899
Cost of funding earning assets0.5394%6,547
Net interest margin3.1966%6,166
Noninterest income to average assets11.7908%57
Noninterest expense to average assets11.4125%65
Loan and lease loss provision to assets0.5968%1,654
Net operating income to assets2.1233%283
Return on assets (ROA)2.1374%296
Pretax return on assets2.1374%482
Return on Equity (ROE)20.0281%314
Retained earnings to average equity (ytd only)-8.0123%6,763
Net charge-offs to loans1.4289%1,035
Credit loss provision to net charge-offs91.3229%3,731
Earnings coverage of net charge-offs (x)4.1623%3,158
Efficiency ratio80.7534%2,152
Assets per employee ($millions)0.7345%7,389
Cash dividends to net income (ytd only)*140.0054%125
Condition Ratios (%)
Loss allowance to loans3.2110%713
Loan loss allowance to noncurrent loans142.1181%2,126
Noncurrent assets plus other real estate owned to assets1.0220%4,716
Noncurrent loans to loans2.2594%3,044
Net loans and leases to total assets42.1842%6,492
Net loans and leases to deposits47.7523%6,632
Net loans and leases to core deposits48.1363%6,752
Total domestic deposits to total assets88.3395%1,850
Equity capital to assets10.0219%4,311
Core capital (leverage) ratio10.1881%3,206
Tier 1 risk-based capital ratio18.5601%2,076
Total risk-based capital ratio19.8276%2,028
Memoranda:
Average total assets$3,451,723,250220
Average earning assets$2,528,730,000252
Average equity$368,373,250234
Average total loans$1,578,654,000287
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8936%6,808
Cost of funding earning assets0.5842%6,527
Net interest margin3.3094%5,831
Noninterest income to average assets11.8671%57
Noninterest expense to average assets11.2902%65
Loan and lease loss provision to assets0.7585%1,229
Net operating income to assets2.1776%270
Return on assets (ROA)2.1662%281
Pretax return on assets2.1662%437
Return on Equity (ROE)19.8915%319
Retained earnings to average equity (ytd only)6.5733%2,097
Net charge-offs to loans1.7611%807
Credit loss provision to net charge-offs92.7173%3,386
Earnings coverage of net charge-offs (x)3.5889%3,117
Efficiency ratio79.3612%2,497
Assets per employee ($millions)0.7372%7,461
Cash dividends to net income (ytd only)*66.9541%1,110
Condition Ratios (%)
Loss allowance to loans3.0787%831
Loan loss allowance to noncurrent loans66.5914%4,111
Noncurrent assets plus other real estate owned to assets2.1874%3,002
Noncurrent loans to loans4.6233%1,428
Net loans and leases to total assets44.8861%6,362
Net loans and leases to deposits51.5028%6,504
Net loans and leases to core deposits51.9609%6,666
Total domestic deposits to total assets87.1526%2,656
Equity capital to assets11.0732%2,883
Core capital (leverage) ratio11.0048%2,246
Tier 1 risk-based capital ratio20.4243%1,529
Total risk-based capital ratio21.6921%1,496
Memoranda:
Average total assets$3,447,439,330224
Average earning assets$2,457,732,000260
Average equity$375,426,000232
Average total loans$1,601,543,000290
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7493%7,016
Cost of funding earning assets0.5928%6,631
Net interest margin3.1565%6,201
Noninterest income to average assets10.5069%66
Noninterest expense to average assets9.8380%78
Loan and lease loss provision to assets0.6056%1,419
Net operating income to assets2.3785%203
Return on assets (ROA)2.3546%220
Pretax return on assets2.3546%312
Return on Equity (ROE)21.7964%254
Retained earnings to average equity (ytd only)21.7964%137
Net charge-offs to loans1.2706%1,089
Credit loss provision to net charge-offs102.8807%2,579
Earnings coverage of net charge-offs (x)5.0693%2,342
Efficiency ratio76.7268%3,026
Assets per employee ($millions)0.8807%7,515
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans3.2609%736
Loan loss allowance to noncurrent loans94.8536%3,026
Noncurrent assets plus other real estate owned to assets1.5732%3,889
Noncurrent loans to loans3.4378%2,184
Net loans and leases to total assets43.1354%6,534
Net loans and leases to deposits49.3505%6,662
Net loans and leases to core deposits49.8906%6,778
Total domestic deposits to total assets87.4062%2,708
Equity capital to assets10.8646%2,811
Core capital (leverage) ratio11.1654%2,059
Tier 1 risk-based capital ratio19.7984%1,628
Total risk-based capital ratio21.0659%1,600
Memoranda:
Average total assets$3,302,409,000231
Average earning assets$2,422,327,500266
Average equity$356,755,500232
Average total loans$1,529,969,500304
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6767%5,875
Cost of funding earning assets0.8359%6,417
Net interest margin3.8408%3,774
Noninterest income to average assets11.3742%60
Noninterest expense to average assets10.8227%71
Loan and lease loss provision to assets1.0117%1,607
Net operating income to assets2.4090%129
Return on assets (ROA)2.6929%97
Pretax return on assets2.6929%154
Return on Equity (ROE)27.4855%61
Retained earnings to average equity (ytd only)-5.7157%6,359
Net charge-offs to loans1.7366%1,243
Credit loss provision to net charge-offs112.2936%3,892
Earnings coverage of net charge-offs (x)3.7968%3,184
Efficiency ratio75.9366%3,065
Assets per employee ($millions)0.8492%7,599
Cash dividends to net income (ytd only)*120.7953%244
Condition Ratios (%)
Loss allowance to loans3.1689%755
Loan loss allowance to noncurrent loans132.8356%2,215
Noncurrent assets plus other real estate owned to assets1.2088%4,607
Noncurrent loans to loans2.3856%3,132
Net loans and leases to total assets46.6337%6,506
Net loans and leases to deposits52.6228%6,702
Net loans and leases to core deposits53.4361%6,841
Total domestic deposits to total assets88.6189%1,879
Equity capital to assets10.7379%2,913
Core capital (leverage) ratio10.8834%2,241
Tier 1 risk-based capital ratio18.9133%1,740
Total risk-based capital ratio20.1809%1,704
Memoranda:
Average total assets$3,212,470,000236
Average earning assets$2,399,740,800265
Average equity$314,748,200250
Average total loans$1,666,569,200287
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8550%5,451
Cost of funding earning assets0.8920%6,425
Net interest margin3.9630%3,276
Noninterest income to average assets11.6940%57
Noninterest expense to average assets11.0437%68
Loan and lease loss provision to assets1.1834%1,213
Net operating income to assets2.4365%155
Return on assets (ROA)2.8134%101
Pretax return on assets2.8134%152
Return on Equity (ROE)29.4221%56
Retained earnings to average equity (ytd only)-15.9542%7,108
Net charge-offs to loans1.8069%1,069
Credit loss provision to net charge-offs124.0155%3,305
Earnings coverage of net charge-offs (x)3.7936%3,294
Efficiency ratio75.2524%3,093
Assets per employee ($millions)0.8832%7,704
Cash dividends to net income (ytd only)*154.2253%132
Condition Ratios (%)
Loss allowance to loans3.1829%708
Loan loss allowance to noncurrent loans110.1622%2,539
Noncurrent assets plus other real estate owned to assets1.5209%4,171
Noncurrent loans to loans2.8893%2,765
Net loans and leases to total assets47.3688%6,574
Net loans and leases to deposits53.6690%6,788
Net loans and leases to core deposits54.5305%6,930
Total domestic deposits to total assets88.2611%1,820
Equity capital to assets10.0920%4,036
Core capital (leverage) ratio10.4143%2,787
Tier 1 risk-based capital ratio17.0459%2,327
Total risk-based capital ratio18.3134%2,281
Memoranda:
Average total assets$3,211,137,250231
Average earning assets$2,406,137,250264
Average equity$307,054,250249
Average total loans$1,695,789,250278
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0095%4,903
Cost of funding earning assets0.9419%6,419
Net interest margin4.0676%2,711
Noninterest income to average assets11.3817%60
Noninterest expense to average assets10.0983%77
Loan and lease loss provision to assets1.1605%1,228
Net operating income to assets3.2086%69
Return on assets (ROA)3.6294%54
Pretax return on assets3.6294%84
Return on Equity (ROE)38.6910%26
Retained earnings to average equity (ytd only)-31.1881%7,436
Net charge-offs to loans1.7197%1,085
Credit loss provision to net charge-offs124.6379%3,246
Earnings coverage of net charge-offs (x)4.6926%2,879
Efficiency ratio69.7063%4,244
Assets per employee ($millions)0.8336%7,776
Cash dividends to net income (ytd only)*180.6084%134
Condition Ratios (%)
Loss allowance to loans2.9474%868
Loan loss allowance to noncurrent loans165.9539%1,699
Noncurrent assets plus other real estate owned to assets1.0282%5,081
Noncurrent loans to loans1.7760%4,030
Net loans and leases to total assets51.6291%6,251
Net loans and leases to deposits57.2506%6,637
Net loans and leases to core deposits58.3495%6,808
Total domestic deposits to total assets90.1809%826
Equity capital to assets8.9324%5,553
Core capital (leverage) ratio8.6943%5,083
Tier 1 risk-based capital ratio14.0345%3,706
Total risk-based capital ratio15.2998%3,659
Memoranda:
Average total assets$3,188,400,000233
Average earning assets$2,418,747,330265
Average equity$299,088,000252
Average total loans$1,726,233,000276
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.9596%1,056
Cost of funding earning assets1.0263%6,243
Net interest margin4.9333%484
Noninterest income to average assets10.8934%64
Noninterest expense to average assets10.2886%72
Loan and lease loss provision to assets1.4937%780
Net operating income to assets2.8410%104
Return on assets (ROA)2.9508%104
Pretax return on assets2.9508%145
Return on Equity (ROE)30.7393%84
Retained earnings to average equity (ytd only)-66.5164%7,751
Net charge-offs to loans1.7602%985
Credit loss provision to net charge-offs155.4203%2,300
Earnings coverage of net charge-offs (x)4.5102%2,616
Efficiency ratio70.1720%4,269
Assets per employee ($millions)0.8003%7,881
Cash dividends to net income (ytd only)*316.3889%91
Condition Ratios (%)
Loss allowance to loans2.9038%896
Loan loss allowance to noncurrent loans295.4990%1,012
Noncurrent assets plus other real estate owned to assets0.5822%6,056
Noncurrent loans to loans0.9827%5,359
Net loans and leases to total assets51.5196%6,318
Net loans and leases to deposits56.8949%6,708
Net loans and leases to core deposits58.0452%6,879
Total domestic deposits to total assets90.5522%712
Equity capital to assets8.7351%5,680
Core capital (leverage) ratio8.3635%5,620
Tier 1 risk-based capital ratio13.3276%4,104
Total risk-based capital ratio14.5922%4,049
Memoranda:
Average total assets$3,213,409,000240
Average earning assets$2,429,621,000270
Average equity$308,465,500252
Average total loans$1,754,586,500285
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3899%850
Cost of funding earning assets1.4936%5,538
Net interest margin4.8963%561
Noninterest income to average assets10.7218%65
Noninterest expense to average assets10.2943%97
Loan and lease loss provision to assets1.5706%1,463
Net operating income to assets2.8587%61
Return on assets (ROA)2.9829%60
Pretax return on assets2.9829%100
Return on Equity (ROE)30.4273%47
Retained earnings to average equity (ytd only)7.2853%880
Net charge-offs to loans1.6108%1,569
Credit loss provision to net charge-offs160.9285%2,763
Earnings coverage of net charge-offs (x)4.5384%2,912
Efficiency ratio69.8993%4,651
Assets per employee ($millions)0.7753%7,965
Cash dividends to net income (ytd only)*76.0565%1,314
Condition Ratios (%)
Loss allowance to loans2.5402%1,177
Loan loss allowance to noncurrent loans1,582.1466%251
Noncurrent assets plus other real estate owned to assets0.1873%7,001
Noncurrent loans to loans0.1606%7,026
Net loans and leases to total assets54.7370%6,119
Net loans and leases to deposits61.5982%6,508
Net loans and leases to core deposits68.6625%6,840
Total domestic deposits to total assets88.8613%1,542
Equity capital to assets10.4747%3,213
Core capital (leverage) ratio10.0695%3,021
Tier 1 risk-based capital ratio15.3342%2,790
Total risk-based capital ratio16.5954%2,741
Memoranda:
Average total assets$3,151,612,000237
Average earning assets$2,575,862,600263
Average equity$308,962,600243
Average total loans$1,909,530,600273
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.3710%982
Cost of funding earning assets1.5873%5,459
Net interest margin4.7836%710
Noninterest income to average assets10.6220%69
Noninterest expense to average assets10.3422%97
Loan and lease loss provision to assets1.4431%1,331
Net operating income to assets2.7997%70
Return on assets (ROA)2.9358%73
Pretax return on assets2.9358%115
Return on Equity (ROE)30.4778%57
Retained earnings to average equity (ytd only)15.9373%132
Net charge-offs to loans1.3211%1,549
Credit loss provision to net charge-offs177.0004%2,606
Earnings coverage of net charge-offs (x)5.2039%2,897
Efficiency ratio70.8919%4,443
Assets per employee ($millions)0.7821%8,046
Cash dividends to net income (ytd only)*47.7085%2,109
Condition Ratios (%)
Loss allowance to loans2.2187%1,388
Loan loss allowance to noncurrent loans524.1935%608
Noncurrent assets plus other real estate owned to assets0.3670%6,563
Noncurrent loans to loans0.4233%6,487
Net loans and leases to total assets57.2153%6,004
Net loans and leases to deposits65.0182%6,401
Net loans and leases to core deposits74.1531%6,721
Total domestic deposits to total assets87.9989%1,653
Equity capital to assets9.6195%4,599
Core capital (leverage) ratio9.2732%4,227
Tier 1 risk-based capital ratio13.7669%3,679
Total risk-based capital ratio15.0250%3,620
Memoranda:
Average total assets$3,141,324,750248
Average earning assets$2,602,384,250270
Average equity$302,595,250258
Average total loans$1,938,620,750285
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0444%6,636
Cost of funding earning assets1.6368%5,578
Net interest margin3.4076%5,133
Noninterest income to average assets11.6656%66
Noninterest expense to average assets10.3938%108
Loan and lease loss provision to assets1.2499%1,368
Net operating income to assets2.9138%67
Return on assets (ROA)3.0483%62
Pretax return on assets3.0483%96
Return on Equity (ROE)31.6302%58
Retained earnings to average equity (ytd only)17.9959%106
Net charge-offs to loans1.1998%1,527
Credit loss provision to net charge-offs165.8586%2,765
Earnings coverage of net charge-offs (x)5.5252%2,816
Efficiency ratio71.3790%4,529
Assets per employee ($millions)0.7959%8,142
Cash dividends to net income (ytd only)*43.1053%2,300
Condition Ratios (%)
Loss allowance to loans1.7782%2,109
Loan loss allowance to noncurrent loans176.0970%1,689
Noncurrent assets plus other real estate owned to assets1.0596%4,850
Noncurrent loans to loans1.0098%5,186
Net loans and leases to total assets59.7533%5,720
Net loans and leases to deposits68.2235%6,164
Net loans and leases to core deposits78.6990%6,502
Total domestic deposits to total assets87.5848%1,975
Equity capital to assets10.0375%3,889
Core capital (leverage) ratio9.5965%3,765
Tier 1 risk-based capital ratio13.9063%3,574
Total risk-based capital ratio15.1598%3,507
Memoranda:
Average total assets$3,120,314,670256
Average earning assets$2,648,129,670269
Average equity$300,712,670261
Average total loans$1,959,833,670290
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.1574%6,457
Cost of funding earning assets1.7133%5,547
Net interest margin3.4441%4,963
Noninterest income to average assets11.2540%62
Noninterest expense to average assets10.5526%105
Loan and lease loss provision to assets1.1027%1,183
Net operating income to assets2.4976%138
Return on assets (ROA)2.7224%111
Pretax return on assets2.7224%169
Return on Equity (ROE)28.8700%117
Retained earnings to average equity (ytd only)17.1768%264
Net charge-offs to loans1.0093%1,332
Credit loss provision to net charge-offs171.1639%2,502
Earnings coverage of net charge-offs (x)5.5886%2,647
Efficiency ratio74.5376%3,725
Assets per employee ($millions)0.8026%8,196
Cash dividends to net income (ytd only)*40.5032%2,058
Condition Ratios (%)
Loss allowance to loans1.5378%2,772
Loan loss allowance to noncurrent loans264.1278%1,273
Noncurrent assets plus other real estate owned to assets0.6262%5,614
Noncurrent loans to loans0.5822%5,941
Net loans and leases to total assets59.9907%5,651
Net loans and leases to deposits67.9418%6,191
Net loans and leases to core deposits77.8083%6,550
Total domestic deposits to total assets88.2972%1,580
Equity capital to assets9.1222%5,200
Core capital (leverage) ratio9.3218%4,212
Tier 1 risk-based capital ratio12.4459%4,575
Total risk-based capital ratio13.6966%4,501
Memoranda:
Average total assets$3,083,424,000260
Average earning assets$2,595,255,000278
Average equity$290,765,000270
Average total loans$1,968,185,000289
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.0515%5,291
Cost of funding earning assets2.0033%6,408
Net interest margin4.0482%2,913
Noninterest income to average assets11.3778%71
Noninterest expense to average assets11.2490%119
Loan and lease loss provision to assets0.4025%3,269
Net operating income to assets3.1120%64
Return on assets (ROA)3.2805%57
Pretax return on assets3.2805%81
Return on Equity (ROE)35.9890%24
Retained earnings to average equity (ytd only)18.8502%42
Net charge-offs to loans0.2605%3,675
Credit loss provision to net charge-offs230.4579%2,065
Earnings coverage of net charge-offs (x)20.1244%1,593
Efficiency ratio76.1689%3,211
Assets per employee ($millions)0.6984%8,253
Cash dividends to net income (ytd only)*47.6223%3,258
Condition Ratios (%)
Loss allowance to loans1.3656%3,389
Loan loss allowance to noncurrent loans209.7895%1,864
Noncurrent assets plus other real estate owned to assets0.6112%5,368
Noncurrent loans to loans0.6509%5,416
Net loans and leases to total assets66.1268%4,822
Net loans and leases to deposits75.3975%5,670
Net loans and leases to core deposits84.6644%6,237
Total domestic deposits to total assets87.7042%1,606
Equity capital to assets9.7703%4,330
Core capital (leverage) ratio9.7672%3,690
Tier 1 risk-based capital ratio12.1399%4,711
Total risk-based capital ratio13.3216%4,646
Memoranda:
Average total assets$2,688,399,000282
Average earning assets$2,248,416,600299
Average equity$245,058,400311
Average total loans$1,802,008,400302