Home > World's Foremost Bank > Performance and Condition Ratios
World's Foremost Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1444% | 13 |
| Cost of funding earning assets | 1.9334% | 4 |
| Net interest margin | 10.2110% | 16 |
| Noninterest income to average assets | 7.0774% | 84 |
| Noninterest expense to average assets | 9.7684% | 77 |
| Loan and lease loss provision to assets | 2.6779% | 28 |
| Net operating income to assets | 2.9006% | 88 |
| Return on assets (ROA) | 2.9006% | 88 |
| Pretax return on assets | 4.5627% | 61 |
| Return on Equity (ROE) | 26.2914% | 63 |
| Retained earnings to average equity (ytd only) | 10.3921% | 524 |
| Net charge-offs to loans | 2.6696% | 52 |
| Credit loss provision to net charge-offs | 102.8719% | 1,970 |
| Earnings coverage of net charge-offs (x) | 2.7815% | 3,128 |
| Efficiency ratio | 57.4309% | 4,661 |
| Assets per employee ($millions) | 7.9982% | 625 |
| Cash dividends to net income (ytd only)* | 60.4734% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1568% | 459 |
| Loan loss allowance to noncurrent loans | 502.6033% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 3,430 |
| Noncurrent loans to loans | 0.4291% | 3,476 |
| Net loans and leases to total assets | 96.2421% | 3 |
| Net loans and leases to deposits | 492.3482% | 4 |
| Net loans and leases to core deposits | 49,748.0976% | 4 |
| Total domestic deposits to total assets | 19.5476% | 5,762 |
| Equity capital to assets | 11.4971% | 2,320 |
| Core capital (leverage) ratio | 11.4124% | 2,033 |
| Tier 1 risk-based capital ratio | 11.5790% | 4,907 |
| Total risk-based capital ratio | 12.8400% | 4,786 |
| Memoranda: | ||
| Average total assets | $5,700,884,330 | 193 |
| Average earning assets | $5,544,913,330 | 184 |
| Average equity | $628,958,330 | 195 |
| Average total loans | $5,558,928,330 | 153 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8813% | 15 |
| Cost of funding earning assets | 1.8980% | 6 |
| Net interest margin | 9.9833% | 17 |
| Noninterest income to average assets | 6.6562% | 90 |
| Noninterest expense to average assets | 9.3703% | 79 |
| Loan and lease loss provision to assets | 2.1769% | 34 |
| Net operating income to assets | 3.0509% | 90 |
| Return on assets (ROA) | 3.0509% | 91 |
| Pretax return on assets | 4.8037% | 63 |
| Return on Equity (ROE) | 28.2448% | 57 |
| Retained earnings to average equity (ytd only) | -4.1706% | 5,338 |
| Net charge-offs to loans | 2.6929% | 65 |
| Credit loss provision to net charge-offs | 83.2646% | 1,741 |
| Earnings coverage of net charge-offs (x) | 2.6700% | 2,563 |
| Efficiency ratio | 57.3074% | 4,796 |
| Assets per employee ($millions) | 7.5198% | 749 |
| Cash dividends to net income (ytd only)* | 114.7658% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0930% | 564 |
| Loan loss allowance to noncurrent loans | 418.8275% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 3,284 |
| Noncurrent loans to loans | 0.4997% | 3,307 |
| Net loans and leases to total assets | 94.8720% | 3 |
| Net loans and leases to deposits | 424.1005% | 5 |
| Net loans and leases to core deposits | 51,257.1652% | 4 |
| Total domestic deposits to total assets | 22.3702% | 5,827 |
| Equity capital to assets | 11.1050% | 2,529 |
| Core capital (leverage) ratio | 10.5523% | 2,841 |
| Tier 1 risk-based capital ratio | 11.3029% | 5,136 |
| Total risk-based capital ratio | 12.5629% | 5,039 |
| Memoranda: | ||
| Average total assets | $5,711,963,500 | 193 |
| Average earning assets | $5,546,860,500 | 183 |
| Average equity | $616,992,500 | 196 |
| Average total loans | $5,545,492,500 | 155 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1115% | 16 |
| Cost of funding earning assets | 1.6392% | 8 |
| Net interest margin | 9.4723% | 22 |
| Noninterest income to average assets | 7.4719% | 80 |
| Noninterest expense to average assets | 10.3800% | 71 |
| Loan and lease loss provision to assets | 2.6666% | 24 |
| Net operating income to assets | 2.3133% | 196 |
| Return on assets (ROA) | 2.3133% | 205 |
| Pretax return on assets | 3.6269% | 80 |
| Return on Equity (ROE) | 22.5657% | 131 |
| Retained earnings to average equity (ytd only) | 15.5193% | 96 |
| Net charge-offs to loans | 2.0028% | 69 |
| Credit loss provision to net charge-offs | 140.3235% | 1,952 |
| Earnings coverage of net charge-offs (x) | 3.3118% | 3,689 |
| Efficiency ratio | 62.2548% | 4,210 |
| Assets per employee ($millions) | 8.6592% | 477 |
| Cash dividends to net income (ytd only)* | 31.2258% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0634% | 585 |
| Loan loss allowance to noncurrent loans | 444.8149% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 3,458 |
| Noncurrent loans to loans | 0.4639% | 3,496 |
| Net loans and leases to total assets | 95.2525% | 5 |
| Net loans and leases to deposits | 476.8766% | 4 |
| Net loans and leases to core deposits | 62,389.6368% | 2 |
| Total domestic deposits to total assets | 19.9742% | 5,886 |
| Equity capital to assets | 10.5176% | 3,135 |
| Core capital (leverage) ratio | 10.9697% | 2,370 |
| Tier 1 risk-based capital ratio | 10.6548% | 5,505 |
| Total risk-based capital ratio | 11.9145% | 5,419 |
| Memoranda: | ||
| Average total assets | $5,537,484,000 | 189 |
| Average earning assets | $5,379,183,200 | 179 |
| Average equity | $567,672,400 | 198 |
| Average total loans | $5,253,977,400 | 154 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9763% | 16 |
| Cost of funding earning assets | 1.6122% | 11 |
| Net interest margin | 9.3641% | 21 |
| Noninterest income to average assets | 7.5024% | 79 |
| Noninterest expense to average assets | 10.3283% | 68 |
| Loan and lease loss provision to assets | 2.4232% | 29 |
| Net operating income to assets | 2.4590% | 165 |
| Return on assets (ROA) | 2.4590% | 172 |
| Pretax return on assets | 3.8603% | 73 |
| Return on Equity (ROE) | 24.1567% | 97 |
| Retained earnings to average equity (ytd only) | 14.5393% | 148 |
| Net charge-offs to loans | 1.8809% | 65 |
| Credit loss provision to net charge-offs | 136.7109% | 1,901 |
| Earnings coverage of net charge-offs (x) | 3.5450% | 3,401 |
| Efficiency ratio | 62.1745% | 4,198 |
| Assets per employee ($millions) | 9.0407% | 403 |
| Cash dividends to net income (ytd only)* | 39.8125% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9239% | 825 |
| Loan loss allowance to noncurrent loans | 436.6777% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 3,790 |
| Noncurrent loans to loans | 0.4406% | 3,703 |
| Net loans and leases to total assets | 91.1609% | 48 |
| Net loans and leases to deposits | 440.5097% | 3 |
| Net loans and leases to core deposits | 55,071.2374% | 2 |
| Total domestic deposits to total assets | 20.6944% | 5,954 |
| Equity capital to assets | 10.3385% | 3,760 |
| Core capital (leverage) ratio | 10.3822% | 3,124 |
| Tier 1 risk-based capital ratio | 10.8650% | 5,444 |
| Total risk-based capital ratio | 12.1227% | 5,350 |
| Memoranda: | ||
| Average total assets | $5,447,631,250 | 191 |
| Average earning assets | $5,299,414,000 | 180 |
| Average equity | $554,538,250 | 201 |
| Average total loans | $5,133,651,250 | 156 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8064% | 15 |
| Cost of funding earning assets | 1.5695% | 11 |
| Net interest margin | 9.2369% | 21 |
| Noninterest income to average assets | 7.5187% | 78 |
| Noninterest expense to average assets | 10.2913% | 66 |
| Loan and lease loss provision to assets | 2.0633% | 38 |
| Net operating income to assets | 2.6305% | 128 |
| Return on assets (ROA) | 2.6305% | 130 |
| Pretax return on assets | 4.1360% | 64 |
| Return on Equity (ROE) | 25.9862% | 75 |
| Retained earnings to average equity (ytd only) | 11.2221% | 411 |
| Net charge-offs to loans | 1.8617% | 76 |
| Credit loss provision to net charge-offs | 117.0372% | 1,895 |
| Earnings coverage of net charge-offs (x) | 3.5164% | 3,094 |
| Efficiency ratio | 62.4071% | 4,284 |
| Assets per employee ($millions) | 7.8093% | 612 |
| Cash dividends to net income (ytd only)* | 56.8150% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 1,466 |
| Loan loss allowance to noncurrent loans | 410.3128% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 4,034 |
| Noncurrent loans to loans | 0.3951% | 3,946 |
| Net loans and leases to total assets | 90.1163% | 66 |
| Net loans and leases to deposits | 421.9803% | 4 |
| Net loans and leases to core deposits | 48,272.0227% | 3 |
| Total domestic deposits to total assets | 21.3556% | 6,032 |
| Equity capital to assets | 9.9491% | 4,291 |
| Core capital (leverage) ratio | 10.5578% | 2,902 |
| Tier 1 risk-based capital ratio | 10.5526% | 5,651 |
| Total risk-based capital ratio | 11.8066% | 5,559 |
| Memoranda: | ||
| Average total assets | $5,352,909,330 | 191 |
| Average earning assets | $5,199,297,330 | 181 |
| Average equity | $541,857,330 | 203 |
| Average total loans | $5,068,983,000 | 157 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0993% | 16 |
| Cost of funding earning assets | 1.5784% | 12 |
| Net interest margin | 9.5209% | 20 |
| Noninterest income to average assets | 7.3499% | 84 |
| Noninterest expense to average assets | 10.1315% | 68 |
| Loan and lease loss provision to assets | 1.7546% | 48 |
| Net operating income to assets | 2.9862% | 99 |
| Return on assets (ROA) | 2.9862% | 98 |
| Pretax return on assets | 4.6807% | 58 |
| Return on Equity (ROE) | 29.2274% | 58 |
| Retained earnings to average equity (ytd only) | -0.8745% | 5,264 |
| Net charge-offs to loans | 1.9129% | 81 |
| Credit loss provision to net charge-offs | 95.1706% | 1,716 |
| Earnings coverage of net charge-offs (x) | 3.4906% | 2,540 |
| Efficiency ratio | 61.1555% | 4,576 |
| Assets per employee ($millions) | 7.8372% | 603 |
| Cash dividends to net income (ytd only)* | 102.9919% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 1,862 |
| Loan loss allowance to noncurrent loans | 371.7021% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 3,991 |
| Noncurrent loans to loans | 0.4116% | 3,958 |
| Net loans and leases to total assets | 95.7682% | 2 |
| Net loans and leases to deposits | 549.7442% | 4 |
| Net loans and leases to core deposits | 48,893.0386% | 2 |
| Total domestic deposits to total assets | 17.4205% | 6,098 |
| Equity capital to assets | 10.5689% | 3,402 |
| Core capital (leverage) ratio | 10.3360% | 3,146 |
| Tier 1 risk-based capital ratio | 10.6135% | 5,706 |
| Total risk-based capital ratio | 11.8665% | 5,611 |
| Memoranda: | ||
| Average total assets | $5,202,400,000 | 196 |
| Average earning assets | $5,036,228,000 | 184 |
| Average equity | $531,529,000 | 207 |
| Average total loans | $5,013,943,500 | 157 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2475% | 18 |
| Cost of funding earning assets | 1.4641% | 17 |
| Net interest margin | 8.7834% | 24 |
| Noninterest income to average assets | 8.1791% | 77 |
| Noninterest expense to average assets | 11.3603% | 65 |
| Loan and lease loss provision to assets | 1.7549% | 37 |
| Net operating income to assets | 2.2846% | 218 |
| Return on assets (ROA) | 2.2846% | 222 |
| Pretax return on assets | 3.5768% | 85 |
| Return on Equity (ROE) | 21.6518% | 188 |
| Retained earnings to average equity (ytd only) | 11.8819% | 264 |
| Net charge-offs to loans | 1.4281% | 113 |
| Credit loss provision to net charge-offs | 129.3991% | 2,021 |
| Earnings coverage of net charge-offs (x) | 3.9313% | 3,637 |
| Efficiency ratio | 68.0582% | 3,565 |
| Assets per employee ($millions) | 10.9819% | 202 |
| Cash dividends to net income (ytd only)* | 45.1227% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 2,115 |
| Loan loss allowance to noncurrent loans | 378.4197% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3728% | 4,104 |
| Noncurrent loans to loans | 0.3901% | 4,056 |
| Net loans and leases to total assets | 94.1465% | 9 |
| Net loans and leases to deposits | 569.8787% | 3 |
| Net loans and leases to core deposits | 54,264.6530% | 2 |
| Total domestic deposits to total assets | 16.5204% | 6,157 |
| Equity capital to assets | 9.8884% | 4,087 |
| Core capital (leverage) ratio | 10.6022% | 2,822 |
| Tier 1 risk-based capital ratio | 10.0490% | 5,944 |
| Total risk-based capital ratio | 11.3013% | 5,879 |
| Memoranda: | ||
| Average total assets | $4,850,293,200 | 196 |
| Average earning assets | $4,700,986,600 | 185 |
| Average equity | $511,778,000 | 203 |
| Average total loans | $4,606,193,200 | 162 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1936% | 19 |
| Cost of funding earning assets | 1.4752% | 19 |
| Net interest margin | 8.7184% | 24 |
| Noninterest income to average assets | 8.1831% | 81 |
| Noninterest expense to average assets | 11.2062% | 70 |
| Loan and lease loss provision to assets | 1.6170% | 29 |
| Net operating income to assets | 2.4259% | 180 |
| Return on assets (ROA) | 2.4259% | 185 |
| Pretax return on assets | 3.8162% | 82 |
| Return on Equity (ROE) | 22.5866% | 176 |
| Retained earnings to average equity (ytd only) | 13.3768% | 250 |
| Net charge-offs to loans | 1.4257% | 107 |
| Credit loss provision to net charge-offs | 119.6349% | 1,991 |
| Earnings coverage of net charge-offs (x) | 4.0198% | 3,414 |
| Efficiency ratio | 67.3476% | 3,659 |
| Assets per employee ($millions) | 10.8063% | 210 |
| Cash dividends to net income (ytd only)* | 40.7754% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 2,538 |
| Loan loss allowance to noncurrent loans | 378.4612% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 4,313 |
| Noncurrent loans to loans | 0.3730% | 4,278 |
| Net loans and leases to total assets | 96.0050% | 5 |
| Net loans and leases to deposits | 513.7468% | 4 |
| Net loans and leases to core deposits | 51,663.7057% | 2 |
| Total domestic deposits to total assets | 18.6872% | 6,241 |
| Equity capital to assets | 10.8824% | 3,150 |
| Core capital (leverage) ratio | 10.7405% | 2,781 |
| Tier 1 risk-based capital ratio | 10.8815% | 5,718 |
| Total risk-based capital ratio | 12.1330% | 5,636 |
| Memoranda: | ||
| Average total assets | $4,717,583,500 | 207 |
| Average earning assets | $4,575,749,000 | 188 |
| Average equity | $506,695,000 | 209 |
| Average total loans | $4,472,226,750 | 166 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8865% | 20 |
| Cost of funding earning assets | 1.4256% | 18 |
| Net interest margin | 8.4609% | 26 |
| Noninterest income to average assets | 7.9969% | 91 |
| Noninterest expense to average assets | 10.9405% | 74 |
| Loan and lease loss provision to assets | 1.2391% | 50 |
| Net operating income to assets | 2.5588% | 158 |
| Return on assets (ROA) | 2.5588% | 164 |
| Pretax return on assets | 4.0234% | 81 |
| Return on Equity (ROE) | 23.9315% | 136 |
| Retained earnings to average equity (ytd only) | 23.9315% | 54 |
| Net charge-offs to loans | 1.4024% | 126 |
| Credit loss provision to net charge-offs | 94.0759% | 2,155 |
| Earnings coverage of net charge-offs (x) | 3.9955% | 3,106 |
| Efficiency ratio | 67.5214% | 3,742 |
| Assets per employee ($millions) | 9.7982% | 278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 3,651 |
| Loan loss allowance to noncurrent loans | 373.9463% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 4,612 |
| Noncurrent loans to loans | 0.3272% | 4,522 |
| Net loans and leases to total assets | 95.3542% | 5 |
| Net loans and leases to deposits | 528.1782% | 6 |
| Net loans and leases to core deposits | 42,619.7898% | 3 |
| Total domestic deposits to total assets | 18.0534% | 6,317 |
| Equity capital to assets | 11.4642% | 2,444 |
| Core capital (leverage) ratio | 11.5597% | 1,953 |
| Tier 1 risk-based capital ratio | 11.5502% | 5,431 |
| Total risk-based capital ratio | 12.7402% | 5,390 |
| Memoranda: | ||
| Average total assets | $4,690,772,670 | 211 |
| Average earning assets | $4,549,476,670 | 193 |
| Average equity | $501,547,670 | 212 |
| Average total loans | $4,405,536,330 | 166 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7707% | 21 |
| Cost of funding earning assets | 1.3635% | 33 |
| Net interest margin | 8.4072% | 26 |
| Noninterest income to average assets | 7.4851% | 95 |
| Noninterest expense to average assets | 10.4249% | 78 |
| Loan and lease loss provision to assets | 1.1215% | 67 |
| Net operating income to assets | 2.6045% | 126 |
| Return on assets (ROA) | 2.6045% | 137 |
| Pretax return on assets | 4.1023% | 87 |
| Return on Equity (ROE) | 25.2544% | 99 |
| Retained earnings to average equity (ytd only) | 25.2544% | 43 |
| Net charge-offs to loans | 1.2683% | 160 |
| Credit loss provision to net charge-offs | 95.4545% | 1,708 |
| Earnings coverage of net charge-offs (x) | 4.4463% | 2,494 |
| Efficiency ratio | 66.6185% | 4,048 |
| Assets per employee ($millions) | 8.7510% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 3,307 |
| Loan loss allowance to noncurrent loans | 375.9543% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 4,671 |
| Noncurrent loans to loans | 0.3510% | 4,539 |
| Net loans and leases to total assets | 92.4604% | 19 |
| Net loans and leases to deposits | 508.4672% | 7 |
| Net loans and leases to core deposits | 31,786.9681% | 3 |
| Total domestic deposits to total assets | 18.1842% | 6,388 |
| Equity capital to assets | 11.0963% | 2,867 |
| Core capital (leverage) ratio | 11.0144% | 2,399 |
| Tier 1 risk-based capital ratio | 11.4437% | 5,588 |
| Total risk-based capital ratio | 12.6940% | 5,499 |
| Memoranda: | ||
| Average total assets | $4,718,878,500 | 205 |
| Average earning assets | $4,582,168,000 | 188 |
| Average equity | $486,664,000 | 214 |
| Average total loans | $4,371,310,500 | 164 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4473% | 24 |
| Cost of funding earning assets | 1.5119% | 20 |
| Net interest margin | 7.9354% | 37 |
| Noninterest income to average assets | 8.4736% | 77 |
| Noninterest expense to average assets | 12.2129% | 60 |
| Loan and lease loss provision to assets | 1.4193% | 62 |
| Net operating income to assets | 1.6237% | 675 |
| Return on assets (ROA) | 1.6237% | 708 |
| Pretax return on assets | 2.5609% | 171 |
| Return on Equity (ROE) | 15.1237% | 762 |
| Retained earnings to average equity (ytd only) | 2.3135% | 4,583 |
| Net charge-offs to loans | 1.4362% | 174 |
| Credit loss provision to net charge-offs | 105.9220% | 2,263 |
| Earnings coverage of net charge-offs (x) | 2.9703% | 4,017 |
| Efficiency ratio | 75.4204% | 2,611 |
| Assets per employee ($millions) | 9.9262% | 259 |
| Cash dividends to net income (ytd only)* | 84.7027% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 3,689 |
| Loan loss allowance to noncurrent loans | 382.7346% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 4,832 |
| Noncurrent loans to loans | 0.3282% | 4,662 |
| Net loans and leases to total assets | 90.5049% | 55 |
| Net loans and leases to deposits | 545.0706% | 6 |
| Net loans and leases to core deposits | 32,292.0776% | 3 |
| Total domestic deposits to total assets | 16.6043% | 6,479 |
| Equity capital to assets | 9.5920% | 4,600 |
| Core capital (leverage) ratio | 10.2746% | 3,202 |
| Tier 1 risk-based capital ratio | 10.1124% | 6,232 |
| Total risk-based capital ratio | 11.3262% | 6,184 |
| Memoranda: | ||
| Average total assets | $4,362,722,000 | 209 |
| Average earning assets | $4,244,066,800 | 196 |
| Average equity | $468,376,800 | 211 |
| Average total loans | $4,070,382,400 | 167 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4819% | 24 |
| Cost of funding earning assets | 1.5525% | 19 |
| Net interest margin | 7.9294% | 37 |
| Noninterest income to average assets | 8.5255% | 75 |
| Noninterest expense to average assets | 12.2609% | 58 |
| Loan and lease loss provision to assets | 1.3291% | 66 |
| Net operating income to assets | 1.6726% | 647 |
| Return on assets (ROA) | 1.6726% | 673 |
| Pretax return on assets | 2.6469% | 172 |
| Return on Equity (ROE) | 15.1111% | 805 |
| Retained earnings to average equity (ytd only) | 15.1111% | 199 |
| Net charge-offs to loans | 1.4311% | 173 |
| Credit loss provision to net charge-offs | 99.0359% | 2,263 |
| Earnings coverage of net charge-offs (x) | 2.9627% | 3,782 |
| Efficiency ratio | 75.5130% | 2,573 |
| Assets per employee ($millions) | 10.1800% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 3,701 |
| Loan loss allowance to noncurrent loans | 373.5999% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 5,005 |
| Noncurrent loans to loans | 0.3451% | 4,864 |
| Net loans and leases to total assets | 90.7001% | 44 |
| Net loans and leases to deposits | 480.7117% | 7 |
| Net loans and leases to core deposits | 31,184.3265% | 5 |
| Total domestic deposits to total assets | 18.8679% | 6,558 |
| Equity capital to assets | 10.6429% | 3,378 |
| Core capital (leverage) ratio | 10.7978% | 2,698 |
| Tier 1 risk-based capital ratio | 11.1915% | 5,915 |
| Total risk-based capital ratio | 12.4371% | 5,865 |
| Memoranda: | ||
| Average total assets | $4,225,032,000 | 207 |
| Average earning assets | $4,108,822,500 | 195 |
| Average equity | $467,645,750 | 209 |
| Average total loans | $3,962,099,500 | 168 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3629% | 26 |
| Cost of funding earning assets | 1.5709% | 19 |
| Net interest margin | 7.7920% | 38 |
| Noninterest income to average assets | 8.4529% | 76 |
| Noninterest expense to average assets | 12.2326% | 58 |
| Loan and lease loss provision to assets | 1.1097% | 88 |
| Net operating income to assets | 1.6935% | 583 |
| Return on assets (ROA) | 1.6935% | 610 |
| Pretax return on assets | 2.6847% | 161 |
| Return on Equity (ROE) | 15.0932% | 780 |
| Retained earnings to average equity (ytd only) | 15.0932% | 210 |
| Net charge-offs to loans | 1.4687% | 190 |
| Credit loss provision to net charge-offs | 79.9917% | 2,336 |
| Earnings coverage of net charge-offs (x) | 2.7353% | 3,478 |
| Efficiency ratio | 76.3249% | 2,567 |
| Assets per employee ($millions) | 9.3763% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 4,462 |
| Loan loss allowance to noncurrent loans | 383.9293% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 5,161 |
| Noncurrent loans to loans | 0.3103% | 5,086 |
| Net loans and leases to total assets | 95.8404% | 2 |
| Net loans and leases to deposits | 461.9236% | 7 |
| Net loans and leases to core deposits | 28,084.0521% | 5 |
| Total domestic deposits to total assets | 20.7481% | 6,624 |
| Equity capital to assets | 11.1194% | 2,769 |
| Core capital (leverage) ratio | 10.9611% | 2,465 |
| Tier 1 risk-based capital ratio | 11.2524% | 5,934 |
| Total risk-based capital ratio | 12.4218% | 5,914 |
| Memoranda: | ||
| Average total assets | $4,150,488,670 | 208 |
| Average earning assets | $4,034,440,330 | 198 |
| Average equity | $465,705,670 | 209 |
| Average total loans | $3,920,252,670 | 169 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2805% | 27 |
| Cost of funding earning assets | 1.5648% | 24 |
| Net interest margin | 7.7157% | 37 |
| Noninterest income to average assets | 7.9586% | 77 |
| Noninterest expense to average assets | 11.0714% | 65 |
| Loan and lease loss provision to assets | 1.2175% | 89 |
| Net operating income to assets | 1.9705% | 357 |
| Return on assets (ROA) | 1.9705% | 373 |
| Pretax return on assets | 3.1710% | 128 |
| Return on Equity (ROE) | 17.4843% | 489 |
| Retained earnings to average equity (ytd only) | 17.4843% | 199 |
| Net charge-offs to loans | 1.5220% | 211 |
| Credit loss provision to net charge-offs | 85.8242% | 1,839 |
| Earnings coverage of net charge-offs (x) | 3.0935% | 2,735 |
| Efficiency ratio | 71.6138% | 3,555 |
| Assets per employee ($millions) | 9.6314% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 3,840 |
| Loan loss allowance to noncurrent loans | 381.9543% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 5,199 |
| Noncurrent loans to loans | 0.3540% | 5,059 |
| Net loans and leases to total assets | 88.2228% | 77 |
| Net loans and leases to deposits | 392.1197% | 7 |
| Net loans and leases to core deposits | 26,859.9163% | 4 |
| Total domestic deposits to total assets | 22.4989% | 6,693 |
| Equity capital to assets | 11.4031% | 2,328 |
| Core capital (leverage) ratio | 11.7433% | 1,806 |
| Tier 1 risk-based capital ratio | 12.3095% | 5,432 |
| Total risk-based capital ratio | 13.5601% | 5,367 |
| Memoranda: | ||
| Average total assets | $4,177,017,500 | 208 |
| Average earning assets | $4,060,949,000 | 197 |
| Average equity | $470,753,500 | 211 |
| Average total loans | $3,893,207,500 | 170 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0421% | 30 |
| Cost of funding earning assets | 1.6810% | 28 |
| Net interest margin | 7.3611% | 45 |
| Noninterest income to average assets | 8.9298% | 75 |
| Noninterest expense to average assets | 12.3037% | 60 |
| Loan and lease loss provision to assets | 1.0962% | 155 |
| Net operating income to assets | 1.6709% | 614 |
| Return on assets (ROA) | 1.6709% | 628 |
| Pretax return on assets | 2.6188% | 179 |
| Return on Equity (ROE) | 15.4156% | 697 |
| Retained earnings to average equity (ytd only) | 15.4156% | 159 |
| Net charge-offs to loans | 1.5318% | 305 |
| Credit loss provision to net charge-offs | 77.5815% | 3,104 |
| Earnings coverage of net charge-offs (x) | 2.6293% | 4,119 |
| Efficiency ratio | 76.8085% | 2,654 |
| Assets per employee ($millions) | 10.0133% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 4,020 |
| Loan loss allowance to noncurrent loans | 371.6325% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 5,233 |
| Noncurrent loans to loans | 0.3561% | 5,122 |
| Net loans and leases to total assets | 95.7704% | 2 |
| Net loans and leases to deposits | 367.2431% | 7 |
| Net loans and leases to core deposits | 24,520.7095% | 4 |
| Total domestic deposits to total assets | 26.0782% | 6,772 |
| Equity capital to assets | 11.1345% | 2,495 |
| Core capital (leverage) ratio | 11.1397% | 2,248 |
| Tier 1 risk-based capital ratio | 11.2577% | 6,045 |
| Total risk-based capital ratio | 12.5083% | 5,986 |
| Memoranda: | ||
| Average total assets | $3,943,112,800 | 210 |
| Average earning assets | $3,797,298,200 | 198 |
| Average equity | $427,390,400 | 220 |
| Average total loans | $3,637,052,400 | 169 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9217% | 30 |
| Cost of funding earning assets | 1.6698% | 28 |
| Net interest margin | 7.2519% | 46 |
| Noninterest income to average assets | 8.7698% | 78 |
| Noninterest expense to average assets | 11.8802% | 64 |
| Loan and lease loss provision to assets | 1.1306% | 127 |
| Net operating income to assets | 1.7440% | 586 |
| Return on assets (ROA) | 1.7440% | 609 |
| Pretax return on assets | 2.7256% | 178 |
| Return on Equity (ROE) | 16.2071% | 625 |
| Retained earnings to average equity (ytd only) | 16.2071% | 154 |
| Net charge-offs to loans | 1.5527% | 288 |
| Credit loss provision to net charge-offs | 80.0533% | 2,846 |
| Earnings coverage of net charge-offs (x) | 2.7303% | 3,927 |
| Efficiency ratio | 75.4948% | 2,814 |
| Assets per employee ($millions) | 10.3947% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 3,128 |
| Loan loss allowance to noncurrent loans | 432.5894% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 5,447 |
| Noncurrent loans to loans | 0.3638% | 5,302 |
| Net loans and leases to total assets | 86.7287% | 117 |
| Net loans and leases to deposits | 310.4112% | 9 |
| Net loans and leases to core deposits | 20,139.4252% | 5 |
| Total domestic deposits to total assets | 27.9399% | 6,848 |
| Equity capital to assets | 10.7691% | 2,993 |
| Core capital (leverage) ratio | 11.0250% | 2,458 |
| Tier 1 risk-based capital ratio | 11.7704% | 5,916 |
| Total risk-based capital ratio | 13.0237% | 5,868 |
| Memoranda: | ||
| Average total assets | $3,895,016,500 | 208 |
| Average earning assets | $3,741,831,750 | 196 |
| Average equity | $419,121,750 | 220 |
| Average total loans | $3,542,891,750 | 170 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8990% | 33 |
| Cost of funding earning assets | 1.6319% | 38 |
| Net interest margin | 7.2670% | 47 |
| Noninterest income to average assets | 8.6973% | 81 |
| Noninterest expense to average assets | 11.7276% | 66 |
| Loan and lease loss provision to assets | 1.2912% | 120 |
| Net operating income to assets | 1.6712% | 658 |
| Return on assets (ROA) | 1.6712% | 721 |
| Pretax return on assets | 2.6338% | 230 |
| Return on Equity (ROE) | 15.5352% | 729 |
| Retained earnings to average equity (ytd only) | 15.5352% | 208 |
| Net charge-offs to loans | 1.5804% | 323 |
| Credit loss provision to net charge-offs | 88.8192% | 2,470 |
| Earnings coverage of net charge-offs (x) | 2.6998% | 3,618 |
| Efficiency ratio | 74.9244% | 2,958 |
| Assets per employee ($millions) | 9.8726% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 2,520 |
| Loan loss allowance to noncurrent loans | 500.5205% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 5,528 |
| Noncurrent loans to loans | 0.3542% | 5,394 |
| Net loans and leases to total assets | 87.6778% | 101 |
| Net loans and leases to deposits | 289.2169% | 9 |
| Net loans and leases to core deposits | 16,018.6306% | 7 |
| Total domestic deposits to total assets | 30.3156% | 6,897 |
| Equity capital to assets | 10.7989% | 2,943 |
| Core capital (leverage) ratio | 11.1183% | 2,238 |
| Tier 1 risk-based capital ratio | 11.7102% | 5,988 |
| Total risk-based capital ratio | 12.9659% | 5,940 |
| Memoranda: | ||
| Average total assets | $3,814,326,670 | 210 |
| Average earning assets | $3,650,731,330 | 198 |
| Average equity | $410,320,000 | 225 |
| Average total loans | $3,508,719,000 | 168 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0983% | 29 |
| Cost of funding earning assets | 1.5511% | 47 |
| Net interest margin | 7.5473% | 38 |
| Noninterest income to average assets | 8.4168% | 82 |
| Noninterest expense to average assets | 11.6647% | 67 |
| Loan and lease loss provision to assets | 1.3638% | 111 |
| Net operating income to assets | 1.6384% | 662 |
| Return on assets (ROA) | 1.6384% | 724 |
| Pretax return on assets | 2.5832% | 237 |
| Return on Equity (ROE) | 15.2620% | 705 |
| Retained earnings to average equity (ytd only) | 15.2620% | 329 |
| Net charge-offs to loans | 1.5626% | 340 |
| Credit loss provision to net charge-offs | 93.4186% | 1,964 |
| Earnings coverage of net charge-offs (x) | 2.7037% | 2,966 |
| Efficiency ratio | 74.7178% | 3,139 |
| Assets per employee ($millions) | 9.2215% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8925% | 2,325 |
| Loan loss allowance to noncurrent loans | 460.2034% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 5,468 |
| Noncurrent loans to loans | 0.4112% | 5,386 |
| Net loans and leases to total assets | 89.1469% | 51 |
| Net loans and leases to deposits | 343.3804% | 10 |
| Net loans and leases to core deposits | 15,205.5807% | 8 |
| Total domestic deposits to total assets | 25.9616% | 6,980 |
| Equity capital to assets | 10.8954% | 3,083 |
| Core capital (leverage) ratio | 11.3537% | 1,976 |
| Tier 1 risk-based capital ratio | 11.5042% | 6,186 |
| Total risk-based capital ratio | 12.7611% | 6,150 |
| Memoranda: | ||
| Average total assets | $3,746,973,500 | 214 |
| Average earning assets | $3,571,993,500 | 205 |
| Average equity | $402,254,000 | 232 |
| Average total loans | $3,500,615,000 | 171 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2810% | 33 |
| Cost of funding earning assets | 1.6640% | 85 |
| Net interest margin | 7.6170% | 42 |
| Noninterest income to average assets | 8.8689% | 79 |
| Noninterest expense to average assets | 12.6695% | 62 |
| Loan and lease loss provision to assets | 1.2468% | 285 |
| Net operating income to assets | 1.3899% | 1,118 |
| Return on assets (ROA) | 1.3899% | 1,230 |
| Pretax return on assets | 2.1726% | 437 |
| Return on Equity (ROE) | 12.6871% | 1,314 |
| Retained earnings to average equity (ytd only) | 12.6871% | 270 |
| Net charge-offs to loans | 1.5708% | 553 |
| Credit loss provision to net charge-offs | 84.6565% | 3,675 |
| Earnings coverage of net charge-offs (x) | 2.3217% | 4,253 |
| Efficiency ratio | 78.7466% | 2,317 |
| Assets per employee ($millions) | 9.7176% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 2,495 |
| Loan loss allowance to noncurrent loans | 456.4431% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 5,525 |
| Noncurrent loans to loans | 0.4012% | 5,488 |
| Net loans and leases to total assets | 94.2468% | 6 |
| Net loans and leases to deposits | 333.0536% | 11 |
| Net loans and leases to core deposits | 15,202.2262% | 9 |
| Total domestic deposits to total assets | 28.2978% | 7,041 |
| Equity capital to assets | 10.5741% | 3,434 |
| Core capital (leverage) ratio | 11.2205% | 2,075 |
| Tier 1 risk-based capital ratio | 10.6975% | 6,474 |
| Total risk-based capital ratio | 11.9540% | 6,436 |
| Memoranda: | ||
| Average total assets | $3,429,472,400 | 227 |
| Average earning assets | $3,250,706,200 | 214 |
| Average equity | $375,703,800 | 235 |
| Average total loans | $3,215,488,000 | 175 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3363% | 31 |
| Cost of funding earning assets | 1.6971% | 87 |
| Net interest margin | 7.6393% | 41 |
| Noninterest income to average assets | 9.1895% | 77 |
| Noninterest expense to average assets | 12.3262% | 62 |
| Loan and lease loss provision to assets | 1.1620% | 321 |
| Net operating income to assets | 1.8389% | 527 |
| Return on assets (ROA) | 1.8389% | 594 |
| Pretax return on assets | 2.9268% | 167 |
| Return on Equity (ROE) | 16.6249% | 653 |
| Retained earnings to average equity (ytd only) | 16.6249% | 166 |
| Net charge-offs to loans | 1.5721% | 538 |
| Credit loss provision to net charge-offs | 79.3652% | 3,641 |
| Earnings coverage of net charge-offs (x) | 2.7926% | 3,921 |
| Efficiency ratio | 75.0908% | 2,813 |
| Assets per employee ($millions) | 9.8073% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 2,075 |
| Loan loss allowance to noncurrent loans | 467.9049% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 5,684 |
| Noncurrent loans to loans | 0.4342% | 5,579 |
| Net loans and leases to total assets | 90.8186% | 36 |
| Net loans and leases to deposits | 293.4284% | 11 |
| Net loans and leases to core deposits | 14,083.2467% | 8 |
| Total domestic deposits to total assets | 30.9509% | 7,137 |
| Equity capital to assets | 11.2611% | 2,968 |
| Core capital (leverage) ratio | 11.4657% | 2,010 |
| Tier 1 risk-based capital ratio | 11.7247% | 6,098 |
| Total risk-based capital ratio | 12.9835% | 6,074 |
| Memoranda: | ||
| Average total assets | $3,353,948,750 | 231 |
| Average earning assets | $3,172,304,250 | 219 |
| Average equity | $370,984,750 | 238 |
| Average total loans | $3,123,739,250 | 180 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2919% | 31 |
| Cost of funding earning assets | 1.7010% | 103 |
| Net interest margin | 7.5909% | 42 |
| Noninterest income to average assets | 9.1378% | 77 |
| Noninterest expense to average assets | 12.1239% | 64 |
| Loan and lease loss provision to assets | 1.1393% | 370 |
| Net operating income to assets | 1.9186% | 448 |
| Return on assets (ROA) | 1.9186% | 511 |
| Pretax return on assets | 3.0458% | 148 |
| Return on Equity (ROE) | 17.4565% | 581 |
| Retained earnings to average equity (ytd only) | 17.4565% | 163 |
| Net charge-offs to loans | 1.6296% | 570 |
| Credit loss provision to net charge-offs | 74.9453% | 3,461 |
| Earnings coverage of net charge-offs (x) | 2.7530% | 3,642 |
| Efficiency ratio | 74.3388% | 3,022 |
| Assets per employee ($millions) | 9.9383% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1773% | 1,824 |
| Loan loss allowance to noncurrent loans | 516.4446% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 5,838 |
| Noncurrent loans to loans | 0.4216% | 5,691 |
| Net loans and leases to total assets | 87.8584% | 84 |
| Net loans and leases to deposits | 283.0005% | 11 |
| Net loans and leases to core deposits | 12,732.6049% | 8 |
| Total domestic deposits to total assets | 31.0453% | 7,204 |
| Equity capital to assets | 11.0435% | 3,070 |
| Core capital (leverage) ratio | 11.7596% | 1,749 |
| Tier 1 risk-based capital ratio | 11.7882% | 6,064 |
| Total risk-based capital ratio | 13.0485% | 6,035 |
| Memoranda: | ||
| Average total assets | $3,308,130,670 | 232 |
| Average earning assets | $3,125,177,670 | 219 |
| Average equity | $363,589,000 | 239 |
| Average total loans | $3,086,121,330 | 178 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5576% | 30 |
| Cost of funding earning assets | 1.8160% | 80 |
| Net interest margin | 7.7416% | 39 |
| Noninterest income to average assets | 8.9175% | 75 |
| Noninterest expense to average assets | 11.8167% | 64 |
| Loan and lease loss provision to assets | 0.8185% | 592 |
| Net operating income to assets | 2.2526% | 258 |
| Return on assets (ROA) | 2.2526% | 313 |
| Pretax return on assets | 3.5754% | 115 |
| Return on Equity (ROE) | 20.5472% | 353 |
| Retained earnings to average equity (ytd only) | 20.5472% | 177 |
| Net charge-offs to loans | 1.6762% | 575 |
| Credit loss provision to net charge-offs | 51.3363% | 3,258 |
| Earnings coverage of net charge-offs (x) | 2.7558% | 3,079 |
| Efficiency ratio | 72.8948% | 3,271 |
| Assets per employee ($millions) | 9.2104% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2401% | 1,795 |
| Loan loss allowance to noncurrent loans | 484.4653% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 5,764 |
| Noncurrent loans to loans | 0.4624% | 5,754 |
| Net loans and leases to total assets | 93.1672% | 14 |
| Net loans and leases to deposits | 285.6666% | 10 |
| Net loans and leases to core deposits | 12,191.8128% | 11 |
| Total domestic deposits to total assets | 32.6140% | 7,267 |
| Equity capital to assets | 11.6279% | 2,323 |
| Core capital (leverage) ratio | 11.1075% | 2,182 |
| Tier 1 risk-based capital ratio | 11.8388% | 6,058 |
| Total risk-based capital ratio | 13.1002% | 6,038 |
| Memoranda: | ||
| Average total assets | $3,247,843,000 | 236 |
| Average earning assets | $3,059,681,000 | 221 |
| Average equity | $356,059,000 | 238 |
| Average total loans | $3,089,453,500 | 175 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1887% | 34 |
| Cost of funding earning assets | 2.3301% | 40 |
| Net interest margin | 6.8586% | 57 |
| Noninterest income to average assets | 8.8901% | 67 |
| Noninterest expense to average assets | 12.4623% | 58 |
| Loan and lease loss provision to assets | 1.2447% | 686 |
| Net operating income to assets | 1.0935% | 1,860 |
| Return on assets (ROA) | 1.0935% | 1,972 |
| Pretax return on assets | 1.7394% | 913 |
| Return on Equity (ROE) | 10.4873% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.4873% | 476 |
| Net charge-offs to loans | 2.0042% | 691 |
| Credit loss provision to net charge-offs | 69.1217% | 4,885 |
| Earnings coverage of net charge-offs (x) | 1.6572% | 4,527 |
| Efficiency ratio | 80.6812% | 2,205 |
| Assets per employee ($millions) | 9.9258% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3025% | 1,613 |
| Loan loss allowance to noncurrent loans | 491.0625% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 5,850 |
| Noncurrent loans to loans | 0.4689% | 5,774 |
| Net loans and leases to total assets | 92.7695% | 18 |
| Net loans and leases to deposits | 314.7778% | 12 |
| Net loans and leases to core deposits | 12,531.6073% | 13 |
| Total domestic deposits to total assets | 29.4714% | 7,315 |
| Equity capital to assets | 10.3404% | 3,728 |
| Core capital (leverage) ratio | 10.8253% | 2,415 |
| Tier 1 risk-based capital ratio | 10.5618% | 6,659 |
| Total risk-based capital ratio | 11.8239% | 6,631 |
| Memoranda: | ||
| Average total assets | $3,156,346,200 | 234 |
| Average earning assets | $3,017,208,200 | 221 |
| Average equity | $329,103,600 | 245 |
| Average total loans | $2,835,799,200 | 181 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1237% | 37 |
| Cost of funding earning assets | 2.4810% | 31 |
| Net interest margin | 6.6427% | 61 |
| Noninterest income to average assets | 8.6722% | 72 |
| Noninterest expense to average assets | 12.1356% | 59 |
| Loan and lease loss provision to assets | 1.1852% | 665 |
| Net operating income to assets | 1.0797% | 2,046 |
| Return on assets (ROA) | 1.0797% | 2,188 |
| Pretax return on assets | 1.7298% | 1,081 |
| Return on Equity (ROE) | 10.3325% | 2,092 |
| Retained earnings to average equity (ytd only) | 10.3325% | 756 |
| Net charge-offs to loans | 2.0965% | 589 |
| Credit loss provision to net charge-offs | 63.9023% | 4,675 |
| Earnings coverage of net charge-offs (x) | 1.5717% | 4,458 |
| Efficiency ratio | 80.6320% | 2,168 |
| Assets per employee ($millions) | 10.6761% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6711% | 1,165 |
| Loan loss allowance to noncurrent loans | 540.4823% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 6,059 |
| Noncurrent loans to loans | 0.4942% | 5,855 |
| Net loans and leases to total assets | 80.5631% | 464 |
| Net loans and leases to deposits | 263.1946% | 14 |
| Net loans and leases to core deposits | 9,110.4961% | 13 |
| Total domestic deposits to total assets | 30.6097% | 7,389 |
| Equity capital to assets | 9.9117% | 4,467 |
| Core capital (leverage) ratio | 10.0762% | 3,340 |
| Tier 1 risk-based capital ratio | 11.3073% | 6,357 |
| Total risk-based capital ratio | 12.5730% | 6,338 |
| Memoranda: | ||
| Average total assets | $3,106,701,000 | 233 |
| Average earning assets | $2,983,069,500 | 222 |
| Average equity | $324,651,000 | 248 |
| Average total loans | $2,748,324,000 | 187 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2840% | 39 |
| Cost of funding earning assets | 2.4845% | 32 |
| Net interest margin | 6.7994% | 58 |
| Noninterest income to average assets | 8.7225% | 74 |
| Noninterest expense to average assets | 12.3956% | 60 |
| Loan and lease loss provision to assets | 1.0963% | 750 |
| Net operating income to assets | 1.0931% | 1,892 |
| Return on assets (ROA) | 1.0931% | 1,984 |
| Pretax return on assets | 1.7579% | 947 |
| Return on Equity (ROE) | 10.2607% | 2,027 |
| Retained earnings to average equity (ytd only) | 10.2607% | 788 |
| Net charge-offs to loans | 2.1714% | 594 |
| Credit loss provision to net charge-offs | 55.7178% | 4,445 |
| Earnings coverage of net charge-offs (x) | 1.4506% | 4,195 |
| Efficiency ratio | 81.2835% | 2,207 |
| Assets per employee ($millions) | 10.3298% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8593% | 1,024 |
| Loan loss allowance to noncurrent loans | 544.6272% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 6,063 |
| Noncurrent loans to loans | 0.5250% | 5,856 |
| Net loans and leases to total assets | 79.9604% | 539 |
| Net loans and leases to deposits | 255.3037% | 14 |
| Net loans and leases to core deposits | 8,790.7706% | 15 |
| Total domestic deposits to total assets | 31.3197% | 7,461 |
| Equity capital to assets | 9.9480% | 4,226 |
| Core capital (leverage) ratio | 10.9311% | 2,314 |
| Tier 1 risk-based capital ratio | 11.4416% | 6,212 |
| Total risk-based capital ratio | 12.7096% | 6,188 |
| Memoranda: | ||
| Average total assets | $3,007,042,670 | 237 |
| Average earning assets | $2,886,680,000 | 228 |
| Average equity | $320,348,330 | 250 |
| Average total loans | $2,724,759,670 | 191 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9938% | 35 |
| Cost of funding earning assets | 2.5264% | 35 |
| Net interest margin | 7.4674% | 45 |
| Noninterest income to average assets | 8.6345% | 80 |
| Noninterest expense to average assets | 12.8736% | 55 |
| Loan and lease loss provision to assets | 1.0741% | 690 |
| Net operating income to assets | 1.0372% | 2,042 |
| Return on assets (ROA) | 1.0372% | 2,096 |
| Pretax return on assets | 1.8406% | 750 |
| Return on Equity (ROE) | 9.3766% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.3766% | 1,270 |
| Net charge-offs to loans | 2.3140% | 517 |
| Credit loss provision to net charge-offs | 48.6497% | 3,778 |
| Earnings coverage of net charge-offs (x) | 1.3201% | 3,687 |
| Efficiency ratio | 81.5388% | 2,292 |
| Assets per employee ($millions) | 8.6625% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1452% | 809 |
| Loan loss allowance to noncurrent loans | 556.1900% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 5,904 |
| Noncurrent loans to loans | 0.5655% | 5,894 |
| Net loans and leases to total assets | 91.1294% | 24 |
| Net loans and leases to deposits | 322.8521% | 11 |
| Net loans and leases to core deposits | 8,214.8330% | 15 |
| Total domestic deposits to total assets | 28.2263% | 7,526 |
| Equity capital to assets | 11.4299% | 2,326 |
| Core capital (leverage) ratio | 11.4777% | 1,859 |
| Tier 1 risk-based capital ratio | 11.8648% | 5,806 |
| Total risk-based capital ratio | 13.1373% | 5,788 |
| Memoranda: | ||
| Average total assets | $2,857,796,000 | 251 |
| Average earning assets | $2,737,767,500 | 234 |
| Average equity | $316,105,000 | 249 |
| Average total loans | $2,726,679,000 | 189 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4751% | 30 |
| Cost of funding earning assets | 3.9261% | 5 |
| Net interest margin | 7.5490% | 42 |
| Noninterest income to average assets | 9.7516% | 65 |
| Noninterest expense to average assets | 12.1909% | 66 |
| Loan and lease loss provision to assets | 2.6084% | 416 |
| Net operating income to assets | 1.2482% | 1,297 |
| Return on assets (ROA) | 1.2482% | 1,368 |
| Pretax return on assets | 1.9290% | 574 |
| Return on Equity (ROE) | 13.6602% | 950 |
| Retained earnings to average equity (ytd only) | 13.6602% | 175 |
| Net charge-offs to loans | 4.4421% | 250 |
| Credit loss provision to net charge-offs | 72.7338% | 5,797 |
| Earnings coverage of net charge-offs (x) | 1.2652% | 4,840 |
| Efficiency ratio | 72.8758% | 3,622 |
| Assets per employee ($millions) | 9.1748% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2225% | 723 |
| Loan loss allowance to noncurrent loans | 538.9222% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.5781% | 5,865 |
| Noncurrent loans to loans | 0.5980% | 5,847 |
| Net loans and leases to total assets | 93.5655% | 17 |
| Net loans and leases to deposits | 526.2566% | 12 |
| Net loans and leases to core deposits | 10,322.7680% | 15 |
| Total domestic deposits to total assets | 17.7794% | 7,613 |
| Equity capital to assets | 10.7075% | 2,946 |
| Core capital (leverage) ratio | 10.1697% | 2,900 |
| Tier 1 risk-based capital ratio | 10.8809% | 6,426 |
| Total risk-based capital ratio | 12.1546% | 6,382 |
| Memoranda: | ||
| Average total assets | $2,561,505,600 | 279 |
| Average earning assets | $2,367,321,800 | 271 |
| Average equity | $234,052,800 | 310 |
| Average total loans | $2,067,969,200 | 231 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1369% | 27 |
| Cost of funding earning assets | 4.1721% | 4 |
| Net interest margin | 7.9648% | 40 |
| Noninterest income to average assets | 9.7286% | 64 |
| Noninterest expense to average assets | 12.2455% | 62 |
| Loan and lease loss provision to assets | 2.7925% | 339 |
| Net operating income to assets | 1.1678% | 1,684 |
| Return on assets (ROA) | 1.1678% | 1,780 |
| Pretax return on assets | 1.9711% | 659 |
| Return on Equity (ROE) | 13.4632% | 1,149 |
| Retained earnings to average equity (ytd only) | 13.4632% | 306 |
| Net charge-offs to loans | 5.1499% | 165 |
| Credit loss provision to net charge-offs | 71.3219% | 5,379 |
| Earnings coverage of net charge-offs (x) | 1.2166% | 4,846 |
| Efficiency ratio | 71.9939% | 3,698 |
| Assets per employee ($millions) | 11.1159% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7784% | 442 |
| Loan loss allowance to noncurrent loans | 583.1596% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 6,163 |
| Noncurrent loans to loans | 0.6479% | 5,911 |
| Net loans and leases to total assets | 75.1477% | 1,561 |
| Net loans and leases to deposits | 432.7042% | 13 |
| Net loans and leases to core deposits | 8,361.1535% | 17 |
| Total domestic deposits to total assets | 17.3670% | 7,716 |
| Equity capital to assets | 7.0444% | 7,330 |
| Core capital (leverage) ratio | 7.4086% | 6,927 |
| Tier 1 risk-based capital ratio | 13.3707% | 4,299 |
| Total risk-based capital ratio | 18.0058% | 2,398 |
| Memoranda: | ||
| Average total assets | $2,472,484,750 | 286 |
| Average earning assets | $2,260,023,750 | 280 |
| Average equity | $214,466,000 | 325 |
| Average total loans | $1,879,772,500 | 254 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2817% | 25 |
| Cost of funding earning assets | 4.4618% | 4 |
| Net interest margin | 8.8199% | 34 |
| Noninterest income to average assets | 10.4916% | 64 |
| Noninterest expense to average assets | 13.6921% | 54 |
| Loan and lease loss provision to assets | 2.8582% | 357 |
| Net operating income to assets | 1.3026% | 1,299 |
| Return on assets (ROA) | 1.3026% | 1,361 |
| Pretax return on assets | 2.1960% | 408 |
| Return on Equity (ROE) | 13.7668% | 1,084 |
| Retained earnings to average equity (ytd only) | 13.7668% | 317 |
| Net charge-offs to loans | 6.2025% | 121 |
| Credit loss provision to net charge-offs | 61.4200% | 5,180 |
| Earnings coverage of net charge-offs (x) | 1.0861% | 4,708 |
| Efficiency ratio | 73.0390% | 3,652 |
| Assets per employee ($millions) | 10.1653% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9241% | 395 |
| Loan loss allowance to noncurrent loans | 570.3083% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 6,054 |
| Noncurrent loans to loans | 0.6881% | 5,873 |
| Net loans and leases to total assets | 79.4579% | 886 |
| Net loans and leases to deposits | 465.0691% | 14 |
| Net loans and leases to core deposits | 7,285.6886% | 16 |
| Total domestic deposits to total assets | 17.0852% | 7,785 |
| Equity capital to assets | 7.4339% | 7,154 |
| Core capital (leverage) ratio | 7.4857% | 6,834 |
| Tier 1 risk-based capital ratio | 27.8490% | 644 |
| Total risk-based capital ratio | 40.0068% | 267 |
| Memoranda: | ||
| Average total assets | $2,222,105,670 | 313 |
| Average earning assets | $2,079,731,000 | 301 |
| Average equity | $210,260,000 | 331 |
| Average total loans | $1,667,162,670 | 285 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.7722% | 13 |
| Cost of funding earning assets | 5.3868% | 3 |
| Net interest margin | 11.3855% | 24 |
| Noninterest income to average assets | 11.8234% | 61 |
| Noninterest expense to average assets | 16.4117% | 46 |
| Loan and lease loss provision to assets | 3.2678% | 295 |
| Net operating income to assets | 1.5563% | 810 |
| Return on assets (ROA) | 1.5563% | 871 |
| Pretax return on assets | 2.6128% | 207 |
| Return on Equity (ROE) | 14.0460% | 1,045 |
| Retained earnings to average equity (ytd only) | 14.0460% | 502 |
| Net charge-offs to loans | 8.2171% | 89 |
| Credit loss provision to net charge-offs | 57.7160% | 4,344 |
| Earnings coverage of net charge-offs (x) | 1.0386% | 4,145 |
| Efficiency ratio | 73.6207% | 3,633 |
| Assets per employee ($millions) | 9.4695% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3501% | 281 |
| Loan loss allowance to noncurrent loans | 572.2941% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 5,936 |
| Noncurrent loans to loans | 0.7601% | 5,803 |
| Net loans and leases to total assets | 79.5629% | 896 |
| Net loans and leases to deposits | 492.4763% | 16 |
| Net loans and leases to core deposits | 7,674.8860% | 17 |
| Total domestic deposits to total assets | 16.1557% | 7,888 |
| Equity capital to assets | 7.3384% | 7,189 |
| Core capital (leverage) ratio | 7.4822% | 6,873 |
| Tier 1 risk-based capital ratio | 26.8451% | 721 |
| Total risk-based capital ratio | 40.0820% | 264 |
| Memoranda: | ||
| Average total assets | $1,854,113,500 | 388 |
| Average earning assets | $1,704,840,500 | 379 |
| Average equity | $205,439,500 | 340 |
| Average total loans | $1,277,526,000 | 373 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9066% | 88 |
| Cost of funding earning assets | 3.5795% | 33 |
| Net interest margin | 4.3272% | 1,641 |
| Noninterest income to average assets | 33.9976% | 34 |
| Noninterest expense to average assets | 29.7925% | 35 |
| Loan and lease loss provision to assets | 2.1143% | 998 |
| Net operating income to assets | 3.5445% | 43 |
| Return on assets (ROA) | 3.5445% | 43 |
| Pretax return on assets | 5.7100% | 36 |
| Return on Equity (ROE) | 17.7871% | 385 |
| Retained earnings to average equity (ytd only) | 17.7871% | 55 |
| Net charge-offs to loans | 10.1284% | 36 |
| Credit loss provision to net charge-offs | 108.3681% | 5,107 |
| Earnings coverage of net charge-offs (x) | 4.0104% | 3,101 |
| Efficiency ratio | 79.2001% | 3,010 |
| Assets per employee ($millions) | 2.8846% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8686% | 188 |
| Loan loss allowance to noncurrent loans | 766.8118% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 7,202 |
| Noncurrent loans to loans | 0.6349% | 5,965 |
| Net loans and leases to total assets | 16.9876% | 7,895 |
| Net loans and leases to deposits | 28.8874% | 7,823 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 58.8060% | 7,821 |
| Equity capital to assets | 24.4565% | 173 |
| Core capital (leverage) ratio | 23.6965% | 180 |
| Tier 1 risk-based capital ratio | 24.9386% | 849 |
| Total risk-based capital ratio | 27.7642% | 716 |
| Memoranda: | ||
| Average total assets | $809,736,200 | 843 |
| Average earning assets | $677,254,800 | 914 |
| Average equity | $161,358,400 | 429 |
| Average total loans | $155,976,600 | 2,831 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6679% | 114 |
| Cost of funding earning assets | 3.6788% | 33 |
| Net interest margin | 3.9891% | 2,864 |
| Noninterest income to average assets | 32.8873% | 35 |
| Noninterest expense to average assets | 28.6861% | 37 |
| Loan and lease loss provision to assets | 1.9611% | 931 |
| Net operating income to assets | 3.5592% | 44 |
| Return on assets (ROA) | 3.5592% | 46 |
| Pretax return on assets | 5.6198% | 35 |
| Return on Equity (ROE) | 18.9384% | 365 |
| Retained earnings to average equity (ytd only) | 18.9384% | 80 |
| Net charge-offs to loans | 8.8940% | 64 |
| Credit loss provision to net charge-offs | 112.4150% | 4,518 |
| Earnings coverage of net charge-offs (x) | 4.3455% | 3,169 |
| Efficiency ratio | 79.0971% | 2,978 |
| Assets per employee ($millions) | 3.0210% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3338% | 231 |
| Loan loss allowance to noncurrent loans | 686.8293% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 7,236 |
| Noncurrent loans to loans | 0.6310% | 6,034 |
| Net loans and leases to total assets | 18.7060% | 7,964 |
| Net loans and leases to deposits | 28.6067% | 7,925 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 65.3903% | 7,715 |
| Equity capital to assets | 19.9145% | 348 |
| Core capital (leverage) ratio | 19.5802% | 344 |
| Tier 1 risk-based capital ratio | 20.9572% | 1,370 |
| Total risk-based capital ratio | 24.4445% | 1,059 |
| Memoranda: | ||
| Average total assets | $809,527,750 | 854 |
| Average earning assets | $685,851,750 | 916 |
| Average equity | $152,138,750 | 457 |
| Average total loans | $158,785,000 | 2,816 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4109% | 986 |
| Cost of funding earning assets | 3.7163% | 55 |
| Net interest margin | 2.6947% | 7,213 |
| Noninterest income to average assets | 32.2631% | 35 |
| Noninterest expense to average assets | 26.9286% | 47 |
| Loan and lease loss provision to assets | 2.0373% | 797 |
| Net operating income to assets | 3.6334% | 40 |
| Return on assets (ROA) | 3.6334% | 43 |
| Pretax return on assets | 5.5869% | 34 |
| Return on Equity (ROE) | 19.7395% | 352 |
| Retained earnings to average equity (ytd only) | 19.7395% | 78 |
| Net charge-offs to loans | 8.3699% | 91 |
| Credit loss provision to net charge-offs | 123.9612% | 3,752 |
| Earnings coverage of net charge-offs (x) | 4.6391% | 3,047 |
| Efficiency ratio | 77.9347% | 3,357 |
| Assets per employee ($millions) | 2.9005% | 6,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9367% | 133 |
| Loan loss allowance to noncurrent loans | 759.3555% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 7,277 |
| Noncurrent loans to loans | 0.6501% | 5,954 |
| Net loans and leases to total assets | 16.8393% | 8,066 |
| Net loans and leases to deposits | 24.1127% | 8,049 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 69.8358% | 7,489 |
| Equity capital to assets | 18.4694% | 508 |
| Core capital (leverage) ratio | 18.2006% | 489 |
| Tier 1 risk-based capital ratio | 27.0915% | 773 |
| Total risk-based capital ratio | 31.8498% | 554 |
| Memoranda: | ||
| Average total assets | $802,446,670 | 879 |
| Average earning assets | $681,866,330 | 937 |
| Average equity | $147,703,670 | 473 |
| Average total loans | $157,565,330 | 2,865 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9848% | 353 |
| Cost of funding earning assets | 3.7247% | 81 |
| Net interest margin | 3.2601% | 5,658 |
| Noninterest income to average assets | 28.8913% | 36 |
| Noninterest expense to average assets | 23.7976% | 48 |
| Loan and lease loss provision to assets | 2.1481% | 551 |
| Net operating income to assets | 3.5904% | 42 |
| Return on assets (ROA) | 3.5904% | 49 |
| Pretax return on assets | 5.6952% | 32 |
| Return on Equity (ROE) | 19.5411% | 456 |
| Retained earnings to average equity (ytd only) | 19.5411% | 179 |
| Net charge-offs to loans | 8.9701% | 74 |
| Credit loss provision to net charge-offs | 115.9297% | 3,364 |
| Earnings coverage of net charge-offs (x) | 4.2329% | 2,937 |
| Efficiency ratio | 75.2115% | 3,616 |
| Assets per employee ($millions) | 2.8895% | 6,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2030% | 186 |
| Loan loss allowance to noncurrent loans | 545.4152% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 7,171 |
| Noncurrent loans to loans | 0.7706% | 5,504 |
| Net loans and leases to total assets | 17.0324% | 8,111 |
| Net loans and leases to deposits | 23.6739% | 8,106 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 71.9459% | 7,210 |
| Equity capital to assets | 17.5344% | 663 |
| Core capital (leverage) ratio | 18.4346% | 506 |
| Tier 1 risk-based capital ratio | 25.7182% | 912 |
| Total risk-based capital ratio | 30.2911% | 668 |
| Memoranda: | ||
| Average total assets | $785,995,500 | 892 |
| Average earning assets | $662,928,500 | 962 |
| Average equity | $144,413,500 | 485 |
| Average total loans | $162,362,000 | 2,806 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5021% | 37 |
| Cost of funding earning assets | 3.7807% | 214 |
| Net interest margin | 7.7214% | 42 |
| Noninterest income to average assets | 52.6097% | 28 |
| Noninterest expense to average assets | 47.7926% | 26 |
| Loan and lease loss provision to assets | 1.8793% | 663 |
| Net operating income to assets | 5.4515% | 32 |
| Return on assets (ROA) | 5.4515% | 34 |
| Pretax return on assets | 8.5644% | 31 |
| Return on Equity (ROE) | 20.8586% | 315 |
| Retained earnings to average equity (ytd only) | 20.8586% | 27 |
| Net charge-offs to loans | 4.0256% | 162 |
| Credit loss provision to net charge-offs | 128.5574% | 4,147 |
| Earnings coverage of net charge-offs (x) | 7.1444% | 3,178 |
| Efficiency ratio | 82.0667% | 2,293 |
| Assets per employee ($millions) | 2.6197% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2768% | 344 |
| Loan loss allowance to noncurrent loans | 540.6043% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 6,991 |
| Noncurrent loans to loans | 0.6061% | 5,554 |
| Net loans and leases to total assets | 23.2040% | 8,116 |
| Net loans and leases to deposits | 34.7570% | 8,047 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 66.7607% | 7,596 |
| Equity capital to assets | 19.3453% | 516 |
| Core capital (leverage) ratio | 23.6366% | 287 |
| Tier 1 risk-based capital ratio | 23.7481% | 1,117 |
| Total risk-based capital ratio | 28.0844% | 821 |
| Memoranda: | ||
| Average total assets | $487,001,800 | 1,406 |
| Average earning assets | $354,881,600 | 1,745 |
| Average equity | $127,281,000 | 538 |
| Average total loans | $176,841,200 | 2,537 |