Home > Astoria Bank > Performance and Condition Ratios
Astoria Bank, Performance and Condition Ratios
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3424% | 5,051 |
Cost of funding earning assets | 0.8288% | 496 |
Net interest margin | 2.5136% | 5,461 |
Noninterest income to average assets | 0.2833% | 4,498 |
Noninterest expense to average assets | 2.2212% | 4,482 |
Loan and lease loss provision to assets | -0.0465% | 5,517 |
Net operating income to assets | 0.3506% | 5,108 |
Return on assets (ROA) | 0.3506% | 5,131 |
Pretax return on assets | 0.4238% | 5,149 |
Return on Equity (ROE) | 2.6513% | 5,191 |
Retained earnings to average equity (ytd only) | -2.9256% | 5,485 |
Net charge-offs to loans | 0.0248% | 2,950 |
Credit loss provision to net charge-offs | -264.7910% | 4,684 |
Earnings coverage of net charge-offs (x) | 21.4968% | 1,911 |
Efficiency ratio | 85.4795% | 655 |
Assets per employee ($millions) | 10.4304% | 274 |
Cash dividends to net income (ytd only)* | 210.3456% | 58 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8308% | 4,810 |
Loan loss allowance to noncurrent loans | 57.4824% | 4,396 |
Noncurrent assets plus other real estate owned to assets | 1.1211% | 1,479 |
Noncurrent loans to loans | 1.4452% | 1,293 |
Net loans and leases to total assets | 68.1795% | 2,821 |
Net loans and leases to deposits | 102.5208% | 581 |
Net loans and leases to core deposits | 104.1710% | 1,380 |
Total domestic deposits to total assets | 66.5031% | 5,576 |
Equity capital to assets | 13.3329% | 1,237 |
Core capital (leverage) ratio | 12.4478% | 1,438 |
Tier 1 risk-based capital ratio | 23.1110% | 937 |
Total risk-based capital ratio | 24.1890% | 938 |
Memoranda: | ||
Average total assets | $14,174,336,250 | 100 |
Average earning assets | $13,055,754,750 | 98 |
Average equity | $1,874,373,500 | 94 |
Average total loans | $10,020,267,250 | 96 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3272% | 5,068 |
Cost of funding earning assets | 0.8125% | 496 |
Net interest margin | 2.5146% | 5,498 |
Noninterest income to average assets | 0.2935% | 4,447 |
Noninterest expense to average assets | 1.8234% | 5,284 |
Loan and lease loss provision to assets | -0.0692% | 5,617 |
Net operating income to assets | 0.5454% | 4,544 |
Return on assets (ROA) | 0.5454% | 4,582 |
Pretax return on assets | 0.8577% | 4,078 |
Return on Equity (ROE) | 4.1355% | 4,790 |
Retained earnings to average equity (ytd only) | -3.1645% | 5,444 |
Net charge-offs to loans | 0.0326% | 2,544 |
Credit loss provision to net charge-offs | -297.8300% | 4,547 |
Earnings coverage of net charge-offs (x) | 33.9138% | 1,379 |
Efficiency ratio | 69.8121% | 2,700 |
Assets per employee ($millions) | 10.3144% | 274 |
Cash dividends to net income (ytd only)* | 176.5205% | 104 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8026% | 4,948 |
Loan loss allowance to noncurrent loans | 57.3200% | 4,430 |
Noncurrent assets plus other real estate owned to assets | 1.0911% | 1,603 |
Noncurrent loans to loans | 1.4003% | 1,372 |
Net loans and leases to total assets | 69.8378% | 2,551 |
Net loans and leases to deposits | 108.2272% | 313 |
Net loans and leases to core deposits | 109.1976% | 1,041 |
Total domestic deposits to total assets | 64.5289% | 5,661 |
Equity capital to assets | 13.2146% | 1,271 |
Core capital (leverage) ratio | 12.2788% | 1,489 |
Tier 1 risk-based capital ratio | 22.2793% | 1,020 |
Total risk-based capital ratio | 23.3158% | 1,027 |
Memoranda: | ||
Average total assets | $14,271,482,330 | 100 |
Average earning assets | $13,157,814,330 | 98 |
Average equity | $1,882,168,330 | 93 |
Average total loans | $10,178,829,670 | 96 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3224% | 5,066 |
Cost of funding earning assets | 0.8005% | 486 |
Net interest margin | 2.5219% | 5,531 |
Noninterest income to average assets | 0.2888% | 4,489 |
Noninterest expense to average assets | 1.9002% | 5,239 |
Loan and lease loss provision to assets | -0.0692% | 5,731 |
Net operating income to assets | 0.4975% | 4,607 |
Return on assets (ROA) | 0.4975% | 4,631 |
Pretax return on assets | 0.7833% | 4,171 |
Return on Equity (ROE) | 3.7763% | 4,850 |
Retained earnings to average equity (ytd only) | 3.7763% | 3,561 |
Net charge-offs to loans | 0.0432% | 1,969 |
Credit loss provision to net charge-offs | -223.1598% | 4,061 |
Earnings coverage of net charge-offs (x) | 23.0350% | 1,395 |
Efficiency ratio | 72.6836% | 2,456 |
Assets per employee ($millions) | 10.4604% | 263 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8084% | 5,040 |
Loan loss allowance to noncurrent loans | 59.5896% | 4,432 |
Noncurrent assets plus other real estate owned to assets | 1.0649% | 1,691 |
Noncurrent loans to loans | 1.3566% | 1,486 |
Net loans and leases to total assets | 70.9468% | 2,228 |
Net loans and leases to deposits | 109.9678% | 216 |
Net loans and leases to core deposits | 110.9430% | 834 |
Total domestic deposits to total assets | 64.5160% | 5,736 |
Equity capital to assets | 13.3409% | 1,131 |
Core capital (leverage) ratio | 12.4359% | 1,369 |
Tier 1 risk-based capital ratio | 21.8594% | 1,099 |
Total risk-based capital ratio | 22.8880% | 1,104 |
Memoranda: | ||
Average total assets | $14,372,836,000 | 98 |
Average earning assets | $13,254,149,500 | 94 |
Average equity | $1,893,688,000 | 88 |
Average total loans | $10,315,832,000 | 94 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3415% | 5,096 |
Cost of funding earning assets | 0.8127% | 466 |
Net interest margin | 2.5288% | 5,568 |
Noninterest income to average assets | 0.2917% | 4,655 |
Noninterest expense to average assets | 1.7880% | 5,485 |
Loan and lease loss provision to assets | -0.0618% | 5,618 |
Net operating income to assets | 0.5697% | 4,347 |
Return on assets (ROA) | 0.5701% | 4,451 |
Pretax return on assets | 0.8993% | 3,856 |
Return on Equity (ROE) | 4.5723% | 4,629 |
Retained earnings to average equity (ytd only) | 3.5589% | 3,393 |
Net charge-offs to loans | 0.0254% | 3,535 |
Credit loss provision to net charge-offs | -332.8847% | 5,099 |
Earnings coverage of net charge-offs (x) | 45.0560% | 1,081 |
Efficiency ratio | 68.1173% | 3,212 |
Assets per employee ($millions) | 10.5139% | 266 |
Cash dividends to net income (ytd only)* | 22.1643% | 3,654 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8258% | 5,033 |
Loan loss allowance to noncurrent loans | 58.7437% | 4,481 |
Noncurrent assets plus other real estate owned to assets | 1.1170% | 1,665 |
Noncurrent loans to loans | 1.4057% | 1,449 |
Net loans and leases to total assets | 71.4229% | 2,256 |
Net loans and leases to deposits | 114.2023% | 154 |
Net loans and leases to core deposits | 115.2290% | 650 |
Total domestic deposits to total assets | 62.5407% | 5,801 |
Equity capital to assets | 13.0125% | 1,253 |
Core capital (leverage) ratio | 12.0874% | 1,548 |
Tier 1 risk-based capital ratio | 20.8472% | 1,238 |
Total risk-based capital ratio | 21.8817% | 1,241 |
Memoranda: | ||
Average total assets | $14,799,798,400 | 92 |
Average earning assets | $13,655,441,000 | 91 |
Average equity | $1,845,254,200 | 83 |
Average total loans | $10,815,131,200 | 86 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3410% | 5,140 |
Cost of funding earning assets | 0.8143% | 463 |
Net interest margin | 2.5267% | 5,640 |
Noninterest income to average assets | 0.2705% | 4,840 |
Noninterest expense to average assets | 1.7818% | 5,532 |
Loan and lease loss provision to assets | -0.0639% | 5,743 |
Net operating income to assets | 0.5740% | 4,398 |
Return on assets (ROA) | 0.5745% | 4,506 |
Pretax return on assets | 0.8852% | 4,028 |
Return on Equity (ROE) | 4.6571% | 4,664 |
Retained earnings to average equity (ytd only) | 3.2988% | 3,925 |
Net charge-offs to loans | 0.0388% | 2,857 |
Credit loss provision to net charge-offs | -224.7163% | 4,893 |
Earnings coverage of net charge-offs (x) | 28.8720% | 1,529 |
Efficiency ratio | 68.4682% | 3,143 |
Assets per employee ($millions) | 10.6427% | 240 |
Cash dividends to net income (ytd only)* | 29.1659% | 2,864 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8247% | 5,118 |
Loan loss allowance to noncurrent loans | 58.4955% | 4,546 |
Noncurrent assets plus other real estate owned to assets | 1.1177% | 1,814 |
Noncurrent loans to loans | 1.4099% | 1,556 |
Net loans and leases to total assets | 71.6518% | 2,235 |
Net loans and leases to deposits | 115.4923% | 164 |
Net loans and leases to core deposits | 116.5302% | 638 |
Total domestic deposits to total assets | 62.0403% | 5,872 |
Equity capital to assets | 12.6711% | 1,667 |
Core capital (leverage) ratio | 11.7486% | 1,840 |
Tier 1 risk-based capital ratio | 21.0651% | 1,257 |
Total risk-based capital ratio | 22.1446% | 1,268 |
Memoranda: | ||
Average total assets | $14,880,330,500 | 92 |
Average earning assets | $13,733,440,000 | 91 |
Average equity | $1,835,592,000 | 85 |
Average total loans | $10,912,296,250 | 84 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3292% | 5,229 |
Cost of funding earning assets | 0.8161% | 448 |
Net interest margin | 2.5130% | 5,734 |
Noninterest income to average assets | 0.2597% | 4,923 |
Noninterest expense to average assets | 1.7836% | 5,609 |
Loan and lease loss provision to assets | -0.0821% | 5,858 |
Net operating income to assets | 0.5707% | 4,396 |
Return on assets (ROA) | 0.5715% | 4,521 |
Pretax return on assets | 0.8788% | 4,027 |
Return on Equity (ROE) | 4.6744% | 4,649 |
Retained earnings to average equity (ytd only) | 2.6260% | 4,226 |
Net charge-offs to loans | 0.0339% | 2,773 |
Credit loss provision to net charge-offs | -328.4949% | 4,835 |
Earnings coverage of net charge-offs (x) | 31.8174% | 1,353 |
Efficiency ratio | 69.1549% | 3,125 |
Assets per employee ($millions) | 10.2874% | 253 |
Cash dividends to net income (ytd only)* | 43.8226% | 2,247 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8300% | 5,193 |
Loan loss allowance to noncurrent loans | 58.3007% | 4,621 |
Noncurrent assets plus other real estate owned to assets | 1.1351% | 1,861 |
Noncurrent loans to loans | 1.4236% | 1,560 |
Net loans and leases to total assets | 72.0925% | 2,149 |
Net loans and leases to deposits | 117.5689% | 126 |
Net loans and leases to core deposits | 118.7036% | 547 |
Total domestic deposits to total assets | 61.3194% | 5,960 |
Equity capital to assets | 12.3603% | 1,862 |
Core capital (leverage) ratio | 11.5394% | 1,961 |
Tier 1 risk-based capital ratio | 20.2177% | 1,411 |
Total risk-based capital ratio | 21.2959% | 1,415 |
Memoranda: | ||
Average total assets | $14,934,141,330 | 93 |
Average earning assets | $13,783,872,670 | 91 |
Average equity | $1,825,772,330 | 85 |
Average total loans | $11,005,044,670 | 83 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3449% | 5,233 |
Cost of funding earning assets | 0.8313% | 420 |
Net interest margin | 2.5136% | 5,795 |
Noninterest income to average assets | 0.2564% | 4,899 |
Noninterest expense to average assets | 1.7793% | 5,673 |
Loan and lease loss provision to assets | -0.0837% | 5,974 |
Net operating income to assets | 0.5736% | 4,295 |
Return on assets (ROA) | 0.5751% | 4,403 |
Pretax return on assets | 0.8839% | 3,915 |
Return on Equity (ROE) | 4.7303% | 4,612 |
Retained earnings to average equity (ytd only) | 0.6132% | 4,966 |
Net charge-offs to loans | 0.0243% | 2,446 |
Credit loss provision to net charge-offs | -464.6360% | 4,539 |
Earnings coverage of net charge-offs (x) | 44.2883% | 953 |
Efficiency ratio | 69.0411% | 3,296 |
Assets per employee ($millions) | 10.0816% | 267 |
Cash dividends to net income (ytd only)* | 87.0375% | 886 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8555% | 5,205 |
Loan loss allowance to noncurrent loans | 62.8927% | 4,502 |
Noncurrent assets plus other real estate owned to assets | 1.0896% | 2,032 |
Noncurrent loans to loans | 1.3603% | 1,749 |
Net loans and leases to total assets | 73.2155% | 1,849 |
Net loans and leases to deposits | 117.6423% | 113 |
Net loans and leases to core deposits | 118.7824% | 503 |
Total domestic deposits to total assets | 62.2357% | 6,020 |
Equity capital to assets | 12.2139% | 1,882 |
Core capital (leverage) ratio | 11.3726% | 2,075 |
Tier 1 risk-based capital ratio | 19.6041% | 1,588 |
Total risk-based capital ratio | 20.7179% | 1,587 |
Memoranda: | ||
Average total assets | $14,942,872,500 | 93 |
Average earning assets | $13,796,711,500 | 91 |
Average equity | $1,816,782,500 | 86 |
Average total loans | $11,085,664,500 | 83 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3777% | 5,211 |
Cost of funding earning assets | 0.8592% | 352 |
Net interest margin | 2.5186% | 5,819 |
Noninterest income to average assets | 0.3155% | 4,636 |
Noninterest expense to average assets | 1.8203% | 5,711 |
Loan and lease loss provision to assets | -0.0792% | 5,812 |
Net operating income to assets | 0.6551% | 4,017 |
Return on assets (ROA) | 0.6555% | 4,108 |
Pretax return on assets | 0.8999% | 3,835 |
Return on Equity (ROE) | 5.6111% | 4,228 |
Retained earnings to average equity (ytd only) | 2.0485% | 4,565 |
Net charge-offs to loans | 0.0132% | 4,032 |
Credit loss provision to net charge-offs | -790.0524% | 5,524 |
Earnings coverage of net charge-offs (x) | 81.7768% | 687 |
Efficiency ratio | 68.9372% | 3,414 |
Assets per employee ($millions) | 9.6551% | 300 |
Cash dividends to net income (ytd only)* | 63.4921% | 1,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8781% | 5,164 |
Loan loss allowance to noncurrent loans | 70.7448% | 4,364 |
Noncurrent assets plus other real estate owned to assets | 1.0573% | 2,074 |
Noncurrent loans to loans | 1.2412% | 1,903 |
Net loans and leases to total assets | 73.8708% | 1,755 |
Net loans and leases to deposits | 119.1204% | 109 |
Net loans and leases to core deposits | 120.5758% | 462 |
Total domestic deposits to total assets | 62.0136% | 6,073 |
Equity capital to assets | 12.1027% | 1,880 |
Core capital (leverage) ratio | 11.2900% | 2,129 |
Tier 1 risk-based capital ratio | 19.1183% | 1,681 |
Total risk-based capital ratio | 20.2542% | 1,659 |
Memoranda: | ||
Average total assets | $15,234,259,800 | 88 |
Average earning assets | $14,063,885,200 | 88 |
Average equity | $1,779,585,400 | 87 |
Average total loans | $11,546,023,800 | 78 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3794% | 5,247 |
Cost of funding earning assets | 0.8679% | 351 |
Net interest margin | 2.5116% | 5,903 |
Noninterest income to average assets | 0.3196% | 4,654 |
Noninterest expense to average assets | 1.8057% | 5,771 |
Loan and lease loss provision to assets | -0.0675% | 5,950 |
Net operating income to assets | 0.6784% | 3,999 |
Return on assets (ROA) | 0.6789% | 4,109 |
Pretax return on assets | 0.9008% | 3,979 |
Return on Equity (ROE) | 5.8631% | 4,217 |
Retained earnings to average equity (ytd only) | 1.0911% | 5,281 |
Net charge-offs to loans | 0.0040% | 4,042 |
Credit loss provision to net charge-offs | -2,207.6923% | 5,609 |
Earnings coverage of net charge-offs (x) | 272.1956% | 258 |
Efficiency ratio | 68.4411% | 3,463 |
Assets per employee ($millions) | 9.6331% | 305 |
Cash dividends to net income (ytd only)* | 81.3906% | 706 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9194% | 5,126 |
Loan loss allowance to noncurrent loans | 78.2496% | 4,205 |
Noncurrent assets plus other real estate owned to assets | 1.0108% | 2,341 |
Noncurrent loans to loans | 1.1749% | 2,178 |
Net loans and leases to total assets | 74.4618% | 1,646 |
Net loans and leases to deposits | 120.4743% | 100 |
Net loans and leases to core deposits | 122.1868% | 419 |
Total domestic deposits to total assets | 61.8072% | 6,162 |
Equity capital to assets | 11.8799% | 2,188 |
Core capital (leverage) ratio | 11.0004% | 2,489 |
Tier 1 risk-based capital ratio | 19.0036% | 1,776 |
Total risk-based capital ratio | 20.2157% | 1,750 |
Memoranda: | ||
Average total assets | $15,299,057,000 | 89 |
Average earning assets | $14,124,335,500 | 88 |
Average equity | $1,771,383,500 | 89 |
Average total loans | $11,642,477,250 | 80 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3762% | 5,280 |
Cost of funding earning assets | 0.8763% | 321 |
Net interest margin | 2.4999% | 5,961 |
Noninterest income to average assets | 0.3307% | 4,589 |
Noninterest expense to average assets | 1.7835% | 5,876 |
Loan and lease loss provision to assets | -0.0430% | 6,019 |
Net operating income to assets | 0.7282% | 3,750 |
Return on assets (ROA) | 0.7290% | 3,861 |
Pretax return on assets | 0.8992% | 3,958 |
Return on Equity (ROE) | 6.3495% | 3,961 |
Retained earnings to average equity (ytd only) | 3.4208% | 3,866 |
Net charge-offs to loans | 0.0134% | 3,459 |
Credit loss provision to net charge-offs | -418.9873% | 5,176 |
Earnings coverage of net charge-offs (x) | 83.3987% | 684 |
Efficiency ratio | 67.5868% | 3,733 |
Assets per employee ($millions) | 9.6314% | 301 |
Cash dividends to net income (ytd only)* | 46.1256% | 2,104 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9331% | 5,170 |
Loan loss allowance to noncurrent loans | 88.1046% | 4,005 |
Noncurrent assets plus other real estate owned to assets | 0.9562% | 2,620 |
Noncurrent loans to loans | 1.0591% | 2,525 |
Net loans and leases to total assets | 75.0440% | 1,496 |
Net loans and leases to deposits | 121.0328% | 86 |
Net loans and leases to core deposits | 122.5532% | 401 |
Total domestic deposits to total assets | 62.0030% | 6,231 |
Equity capital to assets | 11.7661% | 2,188 |
Core capital (leverage) ratio | 10.9471% | 2,482 |
Tier 1 risk-based capital ratio | 18.8259% | 1,832 |
Total risk-based capital ratio | 20.0614% | 1,809 |
Memoranda: | ||
Average total assets | $15,405,561,000 | 90 |
Average earning assets | $14,223,939,670 | 89 |
Average equity | $1,768,661,000 | 89 |
Average total loans | $11,770,791,670 | 81 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3710% | 5,277 |
Cost of funding earning assets | 0.8800% | 315 |
Net interest margin | 2.4909% | 6,023 |
Noninterest income to average assets | 0.2844% | 4,900 |
Noninterest expense to average assets | 1.7375% | 5,977 |
Loan and lease loss provision to assets | -0.0088% | 6,097 |
Net operating income to assets | 0.5685% | 4,409 |
Return on assets (ROA) | 0.5685% | 4,513 |
Pretax return on assets | 0.8572% | 4,037 |
Return on Equity (ROE) | 5.0126% | 4,519 |
Retained earnings to average equity (ytd only) | 0.5310% | 5,214 |
Net charge-offs to loans | 0.0255% | 2,652 |
Credit loss provision to net charge-offs | -45.3104% | 4,393 |
Earnings coverage of net charge-offs (x) | 43.4386% | 926 |
Efficiency ratio | 67.1918% | 3,959 |
Assets per employee ($millions) | 9.7614% | 277 |
Cash dividends to net income (ytd only)* | 89.4073% | 834 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9342% | 5,320 |
Loan loss allowance to noncurrent loans | 93.1130% | 3,853 |
Noncurrent assets plus other real estate owned to assets | 0.9638% | 2,694 |
Noncurrent loans to loans | 1.0033% | 2,753 |
Net loans and leases to total assets | 75.8828% | 1,223 |
Net loans and leases to deposits | 121.6220% | 76 |
Net loans and leases to core deposits | 123.1988% | 347 |
Total domestic deposits to total assets | 62.3923% | 6,300 |
Equity capital to assets | 11.4069% | 2,554 |
Core capital (leverage) ratio | 10.6302% | 2,818 |
Tier 1 risk-based capital ratio | 17.9973% | 2,138 |
Total risk-based capital ratio | 19.2279% | 2,096 |
Memoranda: | ||
Average total assets | $15,504,316,000 | 90 |
Average earning assets | $14,324,834,500 | 86 |
Average equity | $1,758,291,500 | 89 |
Average total loans | $11,896,074,500 | 80 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4230% | 5,482 |
Cost of funding earning assets | 0.9541% | 281 |
Net interest margin | 2.4689% | 6,184 |
Noninterest income to average assets | 0.2999% | 4,979 |
Noninterest expense to average assets | 1.7511% | 6,112 |
Loan and lease loss provision to assets | -0.0607% | 6,066 |
Net operating income to assets | 0.6876% | 3,959 |
Return on assets (ROA) | 0.6883% | 4,069 |
Pretax return on assets | 0.8955% | 3,925 |
Return on Equity (ROE) | 6.1551% | 4,075 |
Retained earnings to average equity (ytd only) | 3.8961% | 3,444 |
Net charge-offs to loans | 0.1473% | 2,559 |
Credit loss provision to net charge-offs | -52.8080% | 5,422 |
Earnings coverage of net charge-offs (x) | 7.2540% | 3,059 |
Efficiency ratio | 67.7398% | 3,940 |
Assets per employee ($millions) | 9.7655% | 272 |
Cash dividends to net income (ytd only)* | 36.7020% | 3,024 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9328% | 5,358 |
Loan loss allowance to noncurrent loans | 87.7269% | 4,022 |
Noncurrent assets plus other real estate owned to assets | 1.0467% | 2,649 |
Noncurrent loans to loans | 1.0633% | 2,695 |
Net loans and leases to total assets | 76.1386% | 1,246 |
Net loans and leases to deposits | 122.3319% | 80 |
Net loans and leases to core deposits | 123.9871% | 321 |
Total domestic deposits to total assets | 62.2394% | 6,382 |
Equity capital to assets | 11.2750% | 2,623 |
Core capital (leverage) ratio | 10.6168% | 2,817 |
Tier 1 risk-based capital ratio | 17.5470% | 2,299 |
Total risk-based capital ratio | 18.7565% | 2,282 |
Memoranda: | ||
Average total assets | $15,597,547,200 | 86 |
Average earning assets | $14,436,390,000 | 85 |
Average equity | $1,744,096,800 | 84 |
Average total loans | $12,172,998,400 | 74 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4411% | 5,518 |
Cost of funding earning assets | 0.9595% | 291 |
Net interest margin | 2.4817% | 6,246 |
Noninterest income to average assets | 0.3016% | 5,037 |
Noninterest expense to average assets | 1.7577% | 6,146 |
Loan and lease loss provision to assets | -0.0611% | 6,216 |
Net operating income to assets | 0.6936% | 3,976 |
Return on assets (ROA) | 0.6945% | 4,056 |
Pretax return on assets | 0.9041% | 3,963 |
Return on Equity (ROE) | 6.2237% | 4,121 |
Retained earnings to average equity (ytd only) | 3.2070% | 4,349 |
Net charge-offs to loans | 0.1990% | 1,874 |
Credit loss provision to net charge-offs | -39.2010% | 5,322 |
Earnings coverage of net charge-offs (x) | 5.3993% | 3,272 |
Efficiency ratio | 67.6180% | 3,920 |
Assets per employee ($millions) | 9.7938% | 257 |
Cash dividends to net income (ytd only)* | 48.4714% | 1,919 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9529% | 5,413 |
Loan loss allowance to noncurrent loans | 99.2773% | 3,699 |
Noncurrent assets plus other real estate owned to assets | 1.0203% | 2,916 |
Noncurrent loans to loans | 0.9598% | 3,160 |
Net loans and leases to total assets | 76.7962% | 1,124 |
Net loans and leases to deposits | 120.3386% | 92 |
Net loans and leases to core deposits | 122.0229% | 350 |
Total domestic deposits to total assets | 63.8167% | 6,438 |
Equity capital to assets | 11.4599% | 2,521 |
Core capital (leverage) ratio | 10.5617% | 2,965 |
Tier 1 risk-based capital ratio | 17.9446% | 2,228 |
Total risk-based capital ratio | 19.2011% | 2,189 |
Memoranda: | ||
Average total assets | $15,605,392,500 | 87 |
Average earning assets | $14,449,407,000 | 83 |
Average equity | $1,741,351,500 | 84 |
Average total loans | $12,225,381,000 | 74 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4480% | 5,527 |
Cost of funding earning assets | 0.9571% | 308 |
Net interest margin | 2.4909% | 6,289 |
Noninterest income to average assets | 0.3008% | 5,006 |
Noninterest expense to average assets | 1.7344% | 6,233 |
Loan and lease loss provision to assets | -0.0524% | 6,299 |
Net operating income to assets | 0.7615% | 3,504 |
Return on assets (ROA) | 0.7615% | 3,612 |
Pretax return on assets | 0.9248% | 3,786 |
Return on Equity (ROE) | 6.8847% | 3,682 |
Retained earnings to average equity (ytd only) | 4.6130% | 3,222 |
Net charge-offs to loans | 0.2643% | 1,496 |
Credit loss provision to net charge-offs | -25.2379% | 5,116 |
Earnings coverage of net charge-offs (x) | 4.1994% | 3,158 |
Efficiency ratio | 66.5338% | 4,278 |
Assets per employee ($millions) | 10.0486% | 230 |
Cash dividends to net income (ytd only)* | 32.9956% | 2,670 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9679% | 5,494 |
Loan loss allowance to noncurrent loans | 40.0424% | 5,495 |
Noncurrent assets plus other real estate owned to assets | 2.1710% | 1,413 |
Noncurrent loans to loans | 2.4172% | 1,299 |
Net loans and leases to total assets | 77.4098% | 990 |
Net loans and leases to deposits | 123.1833% | 66 |
Net loans and leases to core deposits | 124.9905% | 284 |
Total domestic deposits to total assets | 62.8411% | 6,532 |
Equity capital to assets | 11.2165% | 2,685 |
Core capital (leverage) ratio | 10.3223% | 3,179 |
Tier 1 risk-based capital ratio | 17.4787% | 2,422 |
Total risk-based capital ratio | 18.7348% | 2,395 |
Memoranda: | ||
Average total assets | $15,681,776,670 | 86 |
Average earning assets | $14,517,760,330 | 81 |
Average equity | $1,734,434,330 | 82 |
Average total loans | $12,326,519,670 | 73 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4834% | 5,468 |
Cost of funding earning assets | 0.9630% | 317 |
Net interest margin | 2.5205% | 6,319 |
Noninterest income to average assets | 0.2964% | 4,990 |
Noninterest expense to average assets | 1.7073% | 6,341 |
Loan and lease loss provision to assets | 0.0416% | 3,258 |
Net operating income to assets | 0.8836% | 2,724 |
Return on assets (ROA) | 0.8836% | 2,793 |
Pretax return on assets | 0.8805% | 3,776 |
Return on Equity (ROE) | 8.0454% | 2,903 |
Retained earnings to average equity (ytd only) | 6.4896% | 2,289 |
Net charge-offs to loans | 0.2145% | 1,464 |
Credit loss provision to net charge-offs | 24.5966% | 2,451 |
Earnings coverage of net charge-offs (x) | 5.4530% | 2,369 |
Efficiency ratio | 64.9296% | 4,705 |
Assets per employee ($millions) | 10.1607% | 219 |
Cash dividends to net income (ytd only)* | 19.3385% | 2,536 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0909% | 5,157 |
Loan loss allowance to noncurrent loans | 42.0421% | 5,503 |
Noncurrent assets plus other real estate owned to assets | 2.3337% | 1,402 |
Noncurrent loans to loans | 2.5948% | 1,326 |
Net loans and leases to total assets | 77.6947% | 799 |
Net loans and leases to deposits | 122.3309% | 59 |
Net loans and leases to core deposits | 124.0918% | 254 |
Total domestic deposits to total assets | 63.5120% | 6,593 |
Equity capital to assets | 11.1213% | 2,603 |
Core capital (leverage) ratio | 10.1270% | 3,393 |
Tier 1 risk-based capital ratio | 16.2772% | 3,025 |
Total risk-based capital ratio | 17.5340% | 2,982 |
Memoranda: | ||
Average total assets | $15,684,751,500 | 85 |
Average earning assets | $14,518,269,500 | 82 |
Average equity | $1,722,515,500 | 81 |
Average total loans | $12,363,166,000 | 71 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5008% | 5,642 |
Cost of funding earning assets | 1.0781% | 318 |
Net interest margin | 2.4228% | 6,428 |
Noninterest income to average assets | 0.3688% | 4,670 |
Noninterest expense to average assets | 1.6893% | 6,458 |
Loan and lease loss provision to assets | 0.1220% | 2,788 |
Net operating income to assets | 0.5112% | 4,686 |
Return on assets (ROA) | 0.5194% | 4,783 |
Pretax return on assets | 0.8102% | 4,110 |
Return on Equity (ROE) | 5.0716% | 4,589 |
Retained earnings to average equity (ytd only) | 2.3977% | 4,541 |
Net charge-offs to loans | 0.2042% | 2,839 |
Credit loss provision to net charge-offs | 75.0939% | 3,169 |
Earnings coverage of net charge-offs (x) | 5.6596% | 3,246 |
Efficiency ratio | 64.7581% | 4,781 |
Assets per employee ($millions) | 10.2157% | 217 |
Cash dividends to net income (ytd only)* | 52.7230% | 2,144 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1171% | 5,059 |
Loan loss allowance to noncurrent loans | 42.4468% | 5,553 |
Noncurrent assets plus other real estate owned to assets | 2.3525% | 1,479 |
Noncurrent loans to loans | 2.6318% | 1,414 |
Net loans and leases to total assets | 78.2088% | 801 |
Net loans and leases to deposits | 122.7550% | 54 |
Net loans and leases to core deposits | 124.6946% | 257 |
Total domestic deposits to total assets | 63.7113% | 6,672 |
Equity capital to assets | 10.8438% | 2,768 |
Core capital (leverage) ratio | 9.9317% | 3,663 |
Tier 1 risk-based capital ratio | 15.7896% | 3,204 |
Total risk-based capital ratio | 17.0464% | 3,156 |
Memoranda: | ||
Average total assets | $16,069,006,600 | 76 |
Average earning assets | $14,855,419,000 | 72 |
Average equity | $1,645,544,000 | 85 |
Average total loans | $12,782,036,800 | 61 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5060% | 5,676 |
Cost of funding earning assets | 1.0976% | 315 |
Net interest margin | 2.4085% | 6,507 |
Noninterest income to average assets | 0.3633% | 4,791 |
Noninterest expense to average assets | 1.6959% | 6,474 |
Loan and lease loss provision to assets | 0.1337% | 2,608 |
Net operating income to assets | 0.4879% | 4,849 |
Return on assets (ROA) | 0.4988% | 4,961 |
Pretax return on assets | 0.7766% | 4,397 |
Return on Equity (ROE) | 4.9417% | 4,757 |
Retained earnings to average equity (ytd only) | 1.3436% | 5,444 |
Net charge-offs to loans | 0.1937% | 2,683 |
Credit loss provision to net charge-offs | 86.6214% | 2,700 |
Earnings coverage of net charge-offs (x) | 5.7889% | 3,102 |
Efficiency ratio | 65.5010% | 4,576 |
Assets per employee ($millions) | 10.5873% | 195 |
Cash dividends to net income (ytd only)* | 72.8115% | 992 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1399% | 5,165 |
Loan loss allowance to noncurrent loans | 41.2087% | 5,591 |
Noncurrent assets plus other real estate owned to assets | 2.3942% | 1,627 |
Noncurrent loans to loans | 2.7660% | 1,516 |
Net loans and leases to total assets | 77.7340% | 778 |
Net loans and leases to deposits | 120.8729% | 65 |
Net loans and leases to core deposits | 122.7640% | 281 |
Total domestic deposits to total assets | 64.3105% | 6,740 |
Equity capital to assets | 10.2549% | 3,570 |
Core capital (leverage) ratio | 9.6067% | 4,231 |
Tier 1 risk-based capital ratio | 15.6093% | 3,401 |
Total risk-based capital ratio | 16.8666% | 3,359 |
Memoranda: | ||
Average total assets | $16,153,205,750 | 75 |
Average earning assets | $14,928,715,500 | 73 |
Average equity | $1,630,439,000 | 85 |
Average total loans | $12,866,801,750 | 62 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5300% | 5,630 |
Cost of funding earning assets | 1.1274% | 296 |
Net interest margin | 2.4026% | 6,552 |
Noninterest income to average assets | 0.3787% | 4,680 |
Noninterest expense to average assets | 1.6740% | 6,530 |
Loan and lease loss provision to assets | 0.1683% | 2,231 |
Net operating income to assets | 0.4860% | 4,859 |
Return on assets (ROA) | 0.5022% | 4,957 |
Pretax return on assets | 0.7818% | 4,382 |
Return on Equity (ROE) | 5.0019% | 4,733 |
Retained earnings to average equity (ytd only) | 1.9317% | 5,039 |
Net charge-offs to loans | 0.2351% | 2,306 |
Credit loss provision to net charge-offs | 89.5037% | 2,459 |
Earnings coverage of net charge-offs (x) | 4.9169% | 3,003 |
Efficiency ratio | 64.4147% | 4,808 |
Assets per employee ($millions) | 10.6633% | 187 |
Cash dividends to net income (ytd only)* | 61.3813% | 1,459 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1338% | 5,303 |
Loan loss allowance to noncurrent loans | 40.5100% | 5,604 |
Noncurrent assets plus other real estate owned to assets | 2.3489% | 1,828 |
Noncurrent loans to loans | 2.7989% | 1,618 |
Net loans and leases to total assets | 78.1849% | 731 |
Net loans and leases to deposits | 120.1478% | 70 |
Net loans and leases to core deposits | 122.0754% | 286 |
Total domestic deposits to total assets | 65.0739% | 6,777 |
Equity capital to assets | 10.1712% | 3,697 |
Core capital (leverage) ratio | 9.5266% | 4,205 |
Tier 1 risk-based capital ratio | 15.5611% | 3,447 |
Total risk-based capital ratio | 16.8180% | 3,396 |
Memoranda: | ||
Average total assets | $16,219,270,330 | 74 |
Average earning assets | $14,987,061,330 | 73 |
Average equity | $1,628,527,000 | 86 |
Average total loans | $12,973,911,670 | 62 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5676% | 5,536 |
Cost of funding earning assets | 1.1658% | 261 |
Net interest margin | 2.4018% | 6,597 |
Noninterest income to average assets | 0.3864% | 4,571 |
Noninterest expense to average assets | 1.6715% | 6,600 |
Loan and lease loss provision to assets | 0.2239% | 1,644 |
Net operating income to assets | 0.4580% | 4,879 |
Return on assets (ROA) | 0.4580% | 5,044 |
Pretax return on assets | 0.7119% | 4,524 |
Return on Equity (ROE) | 4.5908% | 4,797 |
Retained earnings to average equity (ytd only) | 3.6072% | 4,080 |
Net charge-offs to loans | 0.3165% | 1,699 |
Credit loss provision to net charge-offs | 87.9445% | 2,058 |
Earnings coverage of net charge-offs (x) | 3.6759% | 2,702 |
Efficiency ratio | 64.1079% | 4,998 |
Assets per employee ($millions) | 10.5979% | 191 |
Cash dividends to net income (ytd only)* | 21.4259% | 2,275 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1150% | 5,543 |
Loan loss allowance to noncurrent loans | 39.7137% | 5,622 |
Noncurrent assets plus other real estate owned to assets | 2.3928% | 1,943 |
Noncurrent loans to loans | 2.8077% | 1,806 |
Net loans and leases to total assets | 79.1525% | 507 |
Net loans and leases to deposits | 118.4787% | 76 |
Net loans and leases to core deposits | 120.3296% | 280 |
Total domestic deposits to total assets | 66.8074% | 6,832 |
Equity capital to assets | 10.1189% | 3,992 |
Core capital (leverage) ratio | 9.4216% | 4,206 |
Tier 1 risk-based capital ratio | 15.4796% | 3,536 |
Total risk-based capital ratio | 16.7362% | 3,497 |
Memoranda: | ||
Average total assets | $16,304,735,500 | 73 |
Average earning assets | $15,076,501,500 | 73 |
Average equity | $1,626,636,000 | 86 |
Average total loans | $13,115,225,000 | 61 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8466% | 5,716 |
Cost of funding earning assets | 1.4291% | 226 |
Net interest margin | 2.4175% | 6,768 |
Noninterest income to average assets | 0.3144% | 5,204 |
Noninterest expense to average assets | 1.6788% | 6,741 |
Loan and lease loss provision to assets | 0.2382% | 2,751 |
Net operating income to assets | 0.4131% | 5,045 |
Return on assets (ROA) | 0.4456% | 5,152 |
Pretax return on assets | 0.6810% | 4,732 |
Return on Equity (ROE) | 4.6930% | 4,836 |
Retained earnings to average equity (ytd only) | 2.1588% | 4,714 |
Net charge-offs to loans | 0.3869% | 2,706 |
Credit loss provision to net charge-offs | 77.5670% | 3,909 |
Earnings coverage of net charge-offs (x) | 2.8302% | 4,013 |
Efficiency ratio | 65.8853% | 4,526 |
Assets per employee ($millions) | 10.7501% | 189 |
Cash dividends to net income (ytd only)* | 54.0004% | 2,118 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0945% | 5,574 |
Loan loss allowance to noncurrent loans | 46.3667% | 5,299 |
Noncurrent assets plus other real estate owned to assets | 2.0813% | 2,355 |
Noncurrent loans to loans | 2.3605% | 2,280 |
Net loans and leases to total assets | 79.9398% | 479 |
Net loans and leases to deposits | 123.6738% | 57 |
Net loans and leases to core deposits | 125.6456% | 227 |
Total domestic deposits to total assets | 64.6376% | 6,925 |
Equity capital to assets | 9.8365% | 4,401 |
Core capital (leverage) ratio | 9.2358% | 4,520 |
Tier 1 risk-based capital ratio | 15.2290% | 3,595 |
Total risk-based capital ratio | 16.4851% | 3,537 |
Memoranda: | ||
Average total assets | $16,957,542,000 | 67 |
Average earning assets | $15,668,439,200 | 66 |
Average equity | $1,609,954,600 | 84 |
Average total loans | $13,462,073,200 | 57 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8904% | 5,807 |
Cost of funding earning assets | 1.4838% | 219 |
Net interest margin | 2.4066% | 6,887 |
Noninterest income to average assets | 0.3127% | 5,283 |
Noninterest expense to average assets | 1.6743% | 6,811 |
Loan and lease loss provision to assets | 0.2302% | 2,749 |
Net operating income to assets | 0.4088% | 5,213 |
Return on assets (ROA) | 0.4214% | 5,397 |
Pretax return on assets | 0.6511% | 5,009 |
Return on Equity (ROE) | 4.4770% | 5,051 |
Retained earnings to average equity (ytd only) | 2.7108% | 4,927 |
Net charge-offs to loans | 0.3773% | 2,590 |
Credit loss provision to net charge-offs | 77.1989% | 3,698 |
Earnings coverage of net charge-offs (x) | 2.8905% | 3,884 |
Efficiency ratio | 66.0134% | 4,453 |
Assets per employee ($millions) | 11.1132% | 176 |
Cash dividends to net income (ytd only)* | 39.4496% | 2,206 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0938% | 5,743 |
Loan loss allowance to noncurrent loans | 46.6771% | 5,304 |
Noncurrent assets plus other real estate owned to assets | 2.0520% | 2,580 |
Noncurrent loans to loans | 2.3434% | 2,460 |
Net loans and leases to total assets | 78.9569% | 613 |
Net loans and leases to deposits | 124.9778% | 58 |
Net loans and leases to core deposits | 127.0928% | 219 |
Total domestic deposits to total assets | 63.1768% | 7,028 |
Equity capital to assets | 9.5928% | 5,075 |
Core capital (leverage) ratio | 8.8560% | 5,260 |
Tier 1 risk-based capital ratio | 14.6372% | 4,092 |
Total risk-based capital ratio | 15.9004% | 4,052 |
Memoranda: | ||
Average total assets | $17,085,002,500 | 70 |
Average earning assets | $15,785,471,500 | 68 |
Average equity | $1,607,973,250 | 86 |
Average total loans | $13,504,152,750 | 59 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9445% | 5,800 |
Cost of funding earning assets | 1.5475% | 191 |
Net interest margin | 2.3970% | 6,959 |
Noninterest income to average assets | 0.3042% | 5,374 |
Noninterest expense to average assets | 1.7103% | 6,833 |
Loan and lease loss provision to assets | 0.2338% | 2,734 |
Net operating income to assets | 0.3702% | 5,345 |
Return on assets (ROA) | 0.3887% | 5,494 |
Pretax return on assets | 0.6036% | 5,119 |
Return on Equity (ROE) | 4.1566% | 5,194 |
Retained earnings to average equity (ytd only) | 2.4943% | 4,945 |
Net charge-offs to loans | 0.4315% | 2,314 |
Credit loss provision to net charge-offs | 68.7687% | 3,596 |
Earnings coverage of net charge-offs (x) | 2.3783% | 3,810 |
Efficiency ratio | 67.9047% | 4,138 |
Assets per employee ($millions) | 11.3368% | 167 |
Cash dividends to net income (ytd only)* | 39.9904% | 2,177 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0782% | 5,873 |
Loan loss allowance to noncurrent loans | 43.4639% | 5,478 |
Noncurrent assets plus other real estate owned to assets | 2.1549% | 2,605 |
Noncurrent loans to loans | 2.4806% | 2,427 |
Net loans and leases to total assets | 78.5961% | 665 |
Net loans and leases to deposits | 124.3324% | 56 |
Net loans and leases to core deposits | 126.4046% | 242 |
Total domestic deposits to total assets | 63.2145% | 7,099 |
Equity capital to assets | 9.3648% | 5,242 |
Core capital (leverage) ratio | 8.6030% | 5,514 |
Tier 1 risk-based capital ratio | 14.4070% | 4,169 |
Total risk-based capital ratio | 15.6890% | 4,114 |
Memoranda: | ||
Average total assets | $17,112,267,330 | 69 |
Average earning assets | $15,809,285,670 | 68 |
Average equity | $1,600,269,330 | 87 |
Average total loans | $13,480,975,000 | 59 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0344% | 5,656 |
Cost of funding earning assets | 1.6049% | 186 |
Net interest margin | 2.4295% | 6,994 |
Noninterest income to average assets | 0.3065% | 5,433 |
Noninterest expense to average assets | 1.8246% | 6,770 |
Loan and lease loss provision to assets | 0.2350% | 2,591 |
Net operating income to assets | 0.3168% | 5,603 |
Return on assets (ROA) | 0.3541% | 5,636 |
Pretax return on assets | 0.5492% | 5,288 |
Return on Equity (ROE) | 3.7891% | 5,385 |
Retained earnings to average equity (ytd only) | 3.7891% | 4,312 |
Net charge-offs to loans | 0.5178% | 1,795 |
Credit loss provision to net charge-offs | 57.8503% | 3,157 |
Earnings coverage of net charge-offs (x) | 1.7873% | 3,445 |
Efficiency ratio | 71.5378% | 3,522 |
Assets per employee ($millions) | 11.1226% | 177 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1188% | 5,838 |
Loan loss allowance to noncurrent loans | 42.5446% | 5,475 |
Noncurrent assets plus other real estate owned to assets | 2.2976% | 2,586 |
Noncurrent loans to loans | 2.6297% | 2,471 |
Net loans and leases to total assets | 77.5972% | 630 |
Net loans and leases to deposits | 117.0861% | 86 |
Net loans and leases to core deposits | 119.5300% | 318 |
Total domestic deposits to total assets | 66.2736% | 7,104 |
Equity capital to assets | 9.4234% | 4,916 |
Core capital (leverage) ratio | 8.7487% | 5,203 |
Tier 1 risk-based capital ratio | 14.9176% | 3,810 |
Total risk-based capital ratio | 16.1919% | 3,756 |
Memoranda: | ||
Average total assets | $17,024,124,500 | 69 |
Average earning assets | $15,724,747,000 | 68 |
Average equity | $1,590,886,000 | 86 |
Average total loans | $13,353,349,000 | 60 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3513% | 5,598 |
Cost of funding earning assets | 1.8346% | 191 |
Net interest margin | 2.5167% | 7,051 |
Noninterest income to average assets | 0.3267% | 5,206 |
Noninterest expense to average assets | 1.6482% | 7,085 |
Loan and lease loss provision to assets | 0.2134% | 4,054 |
Net operating income to assets | 0.5047% | 4,408 |
Return on assets (ROA) | 0.5047% | 4,614 |
Pretax return on assets | 0.7911% | 4,011 |
Return on Equity (ROE) | 5.5173% | 4,120 |
Retained earnings to average equity (ytd only) | 1.4829% | 5,151 |
Net charge-offs to loans | 0.5958% | 2,664 |
Credit loss provision to net charge-offs | 45.5026% | 5,521 |
Earnings coverage of net charge-offs (x) | 2.1422% | 4,181 |
Efficiency ratio | 61.9570% | 5,470 |
Assets per employee ($millions) | 10.3760% | 210 |
Cash dividends to net income (ytd only)* | 73.1236% | 1,020 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1811% | 5,480 |
Loan loss allowance to noncurrent loans | 45.5915% | 5,282 |
Noncurrent assets plus other real estate owned to assets | 2.3141% | 2,610 |
Noncurrent loans to loans | 2.5906% | 2,527 |
Net loans and leases to total assets | 77.4742% | 776 |
Net loans and leases to deposits | 115.0920% | 111 |
Net loans and leases to core deposits | 117.5826% | 407 |
Total domestic deposits to total assets | 67.3150% | 7,097 |
Equity capital to assets | 9.2660% | 5,193 |
Core capital (leverage) ratio | 8.7011% | 5,247 |
Tier 1 risk-based capital ratio | 14.8031% | 3,754 |
Total risk-based capital ratio | 16.0782% | 3,721 |
Memoranda: | ||
Average total assets | $17,341,598,800 | 69 |
Average earning assets | $16,026,915,600 | 70 |
Average equity | $1,586,330,200 | 84 |
Average total loans | $13,647,476,600 | 59 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4298% | 5,499 |
Cost of funding earning assets | 1.8733% | 195 |
Net interest margin | 2.5565% | 7,105 |
Noninterest income to average assets | 0.3247% | 5,269 |
Noninterest expense to average assets | 1.6253% | 7,158 |
Loan and lease loss provision to assets | 0.2065% | 3,953 |
Net operating income to assets | 0.5413% | 4,358 |
Return on assets (ROA) | 0.5413% | 4,540 |
Pretax return on assets | 0.8561% | 3,928 |
Return on Equity (ROE) | 5.9357% | 4,047 |
Retained earnings to average equity (ytd only) | 2.7486% | 4,714 |
Net charge-offs to loans | 0.4869% | 2,794 |
Credit loss provision to net charge-offs | 53.8406% | 4,951 |
Earnings coverage of net charge-offs (x) | 2.7705% | 3,744 |
Efficiency ratio | 60.2909% | 5,667 |
Assets per employee ($millions) | 10.5620% | 213 |
Cash dividends to net income (ytd only)* | 53.6943% | 1,435 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3375% | 4,833 |
Loan loss allowance to noncurrent loans | 47.2880% | 5,176 |
Noncurrent assets plus other real estate owned to assets | 2.5259% | 2,554 |
Noncurrent loans to loans | 2.8284% | 2,464 |
Net loans and leases to total assets | 77.6571% | 749 |
Net loans and leases to deposits | 114.8854% | 120 |
Net loans and leases to core deposits | 117.5305% | 452 |
Total domestic deposits to total assets | 67.5952% | 7,157 |
Equity capital to assets | 9.5399% | 5,021 |
Core capital (leverage) ratio | 8.7494% | 5,340 |
Tier 1 risk-based capital ratio | 14.8870% | 3,727 |
Total risk-based capital ratio | 16.1754% | 3,679 |
Memoranda: | ||
Average total assets | $17,433,232,750 | 69 |
Average earning assets | $16,114,546,250 | 69 |
Average equity | $1,589,687,250 | 84 |
Average total loans | $13,732,225,000 | 57 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5047% | 5,341 |
Cost of funding earning assets | 1.9032% | 203 |
Net interest margin | 2.6015% | 7,117 |
Noninterest income to average assets | 0.3248% | 5,293 |
Noninterest expense to average assets | 1.5634% | 7,271 |
Loan and lease loss provision to assets | 0.1932% | 3,994 |
Net operating income to assets | 0.6192% | 3,961 |
Return on assets (ROA) | 0.6192% | 4,092 |
Pretax return on assets | 0.9721% | 3,354 |
Return on Equity (ROE) | 6.8925% | 3,489 |
Retained earnings to average equity (ytd only) | 3.6031% | 3,946 |
Net charge-offs to loans | 0.5162% | 2,551 |
Credit loss provision to net charge-offs | 47.5099% | 4,648 |
Earnings coverage of net charge-offs (x) | 2.8655% | 3,407 |
Efficiency ratio | 57.1203% | 6,277 |
Assets per employee ($millions) | 10.7560% | 199 |
Cash dividends to net income (ytd only)* | 47.7239% | 1,763 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3510% | 4,829 |
Loan loss allowance to noncurrent loans | 48.5411% | 5,104 |
Noncurrent assets plus other real estate owned to assets | 2.5495% | 2,623 |
Noncurrent loans to loans | 2.7833% | 2,618 |
Net loans and leases to total assets | 78.0595% | 774 |
Net loans and leases to deposits | 117.0889% | 108 |
Net loans and leases to core deposits | 120.0509% | 418 |
Total domestic deposits to total assets | 66.6668% | 7,247 |
Equity capital to assets | 9.3981% | 4,975 |
Core capital (leverage) ratio | 8.6075% | 5,387 |
Tier 1 risk-based capital ratio | 14.4783% | 3,800 |
Total risk-based capital ratio | 15.7836% | 3,736 |
Memoranda: | ||
Average total assets | $17,597,179,000 | 69 |
Average earning assets | $16,261,464,330 | 69 |
Average equity | $1,580,850,670 | 86 |
Average total loans | $13,864,787,000 | 58 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5389% | 5,207 |
Cost of funding earning assets | 1.9024% | 246 |
Net interest margin | 2.6366% | 7,091 |
Noninterest income to average assets | 0.3262% | 5,300 |
Noninterest expense to average assets | 1.4671% | 7,385 |
Loan and lease loss provision to assets | 0.1569% | 4,064 |
Net operating income to assets | 0.7284% | 3,389 |
Return on assets (ROA) | 0.7284% | 3,451 |
Pretax return on assets | 1.1391% | 2,609 |
Return on Equity (ROE) | 8.2913% | 2,780 |
Retained earnings to average equity (ytd only) | 1.6593% | 5,125 |
Net charge-offs to loans | 0.5419% | 2,138 |
Credit loss provision to net charge-offs | 36.8169% | 4,007 |
Earnings coverage of net charge-offs (x) | 3.0418% | 2,868 |
Efficiency ratio | 52.9253% | 6,784 |
Assets per employee ($millions) | 11.2863% | 179 |
Cash dividends to net income (ytd only)* | 79.9877% | 845 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3729% | 4,798 |
Loan loss allowance to noncurrent loans | 50.5605% | 4,976 |
Noncurrent assets plus other real estate owned to assets | 2.4711% | 2,759 |
Noncurrent loans to loans | 2.7155% | 2,780 |
Net loans and leases to total assets | 77.1135% | 861 |
Net loans and leases to deposits | 116.4423% | 112 |
Net loans and leases to core deposits | 119.4948% | 428 |
Total domestic deposits to total assets | 66.2246% | 7,320 |
Equity capital to assets | 8.9227% | 5,315 |
Core capital (leverage) ratio | 8.1720% | 6,013 |
Tier 1 risk-based capital ratio | 13.8895% | 4,147 |
Total risk-based capital ratio | 15.1777% | 4,094 |
Memoranda: | ||
Average total assets | $17,850,104,500 | 68 |
Average earning assets | $16,498,304,500 | 67 |
Average equity | $1,568,145,000 | 86 |
Average total loans | $14,035,120,500 | 56 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7710% | 5,523 |
Cost of funding earning assets | 2.2021% | 302 |
Net interest margin | 2.5689% | 7,230 |
Noninterest income to average assets | 0.3628% | 5,207 |
Noninterest expense to average assets | 1.4032% | 7,482 |
Loan and lease loss provision to assets | 0.5937% | 2,765 |
Net operating income to assets | 0.4833% | 4,182 |
Return on assets (ROA) | 0.4833% | 4,335 |
Pretax return on assets | 0.7503% | 3,799 |
Return on Equity (ROE) | 6.0235% | 3,590 |
Retained earnings to average equity (ytd only) | 1.0497% | 5,016 |
Net charge-offs to loans | 0.7068% | 2,892 |
Credit loss provision to net charge-offs | 106.9270% | 4,164 |
Earnings coverage of net charge-offs (x) | 2.4206% | 3,921 |
Efficiency ratio | 50.9026% | 7,067 |
Assets per employee ($millions) | 11.5325% | 177 |
Cash dividends to net income (ytd only)* | 82.5731% | 773 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4122% | 4,456 |
Loan loss allowance to noncurrent loans | 51.5366% | 4,915 |
Noncurrent assets plus other real estate owned to assets | 2.5197% | 2,751 |
Noncurrent loans to loans | 2.7401% | 2,779 |
Net loans and leases to total assets | 77.9422% | 952 |
Net loans and leases to deposits | 119.3646% | 121 |
Net loans and leases to core deposits | 123.1153% | 445 |
Total domestic deposits to total assets | 65.2976% | 7,408 |
Equity capital to assets | 8.6504% | 5,655 |
Core capital (leverage) ratio | 7.9380% | 6,277 |
Tier 1 risk-based capital ratio | 13.3285% | 4,351 |
Total risk-based capital ratio | 14.5956% | 4,296 |
Memoranda: | ||
Average total assets | $19,370,689,800 | 61 |
Average earning assets | $17,979,277,200 | 59 |
Average equity | $1,554,143,000 | 79 |
Average total loans | $15,216,628,000 | 52 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8111% | 5,608 |
Cost of funding earning assets | 2.2366% | 341 |
Net interest margin | 2.5745% | 7,332 |
Noninterest income to average assets | 0.3625% | 5,258 |
Noninterest expense to average assets | 1.3969% | 7,591 |
Loan and lease loss provision to assets | 0.6768% | 2,259 |
Net operating income to assets | 0.4385% | 4,594 |
Return on assets (ROA) | 0.4385% | 4,770 |
Pretax return on assets | 0.6812% | 4,297 |
Return on Equity (ROE) | 5.5657% | 4,019 |
Retained earnings to average equity (ytd only) | 2.2504% | 4,817 |
Net charge-offs to loans | 0.7577% | 2,530 |
Credit loss provision to net charge-offs | 113.8719% | 3,675 |
Earnings coverage of net charge-offs (x) | 2.2849% | 4,025 |
Efficiency ratio | 50.5324% | 7,115 |
Assets per employee ($millions) | 12.0260% | 169 |
Cash dividends to net income (ytd only)* | 59.5670% | 1,262 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3808% | 4,567 |
Loan loss allowance to noncurrent loans | 50.5580% | 4,916 |
Noncurrent assets plus other real estate owned to assets | 2.4987% | 2,873 |
Noncurrent loans to loans | 2.7312% | 2,911 |
Net loans and leases to total assets | 77.8614% | 1,063 |
Net loans and leases to deposits | 119.6912% | 116 |
Net loans and leases to core deposits | 123.9454% | 499 |
Total domestic deposits to total assets | 65.0519% | 7,491 |
Equity capital to assets | 8.3686% | 6,431 |
Core capital (leverage) ratio | 7.5910% | 6,774 |
Tier 1 risk-based capital ratio | 12.8696% | 4,674 |
Total risk-based capital ratio | 14.1332% | 4,653 |
Memoranda: | ||
Average total assets | $19,701,258,250 | 60 |
Average earning assets | $18,306,733,000 | 58 |
Average equity | $1,552,362,500 | 80 |
Average total loans | $15,453,575,250 | 51 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8510% | 5,604 |
Cost of funding earning assets | 2.2622% | 385 |
Net interest margin | 2.5888% | 7,360 |
Noninterest income to average assets | 0.3787% | 5,095 |
Noninterest expense to average assets | 1.3922% | 7,672 |
Loan and lease loss provision to assets | 0.8015% | 1,801 |
Net operating income to assets | 0.3837% | 4,831 |
Return on assets (ROA) | 0.3837% | 4,994 |
Pretax return on assets | 0.5928% | 4,587 |
Return on Equity (ROE) | 4.9673% | 4,301 |
Retained earnings to average equity (ytd only) | -0.0388% | 5,740 |
Net charge-offs to loans | 0.8070% | 2,232 |
Credit loss provision to net charge-offs | 126.8834% | 3,174 |
Earnings coverage of net charge-offs (x) | 2.2072% | 3,908 |
Efficiency ratio | 49.7904% | 7,237 |
Assets per employee ($millions) | 12.5495% | 144 |
Cash dividends to net income (ytd only)* | 100.7807% | 450 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3700% | 4,580 |
Loan loss allowance to noncurrent loans | 50.2905% | 4,947 |
Noncurrent assets plus other real estate owned to assets | 2.4134% | 2,977 |
Noncurrent loans to loans | 2.7241% | 2,925 |
Net loans and leases to total assets | 77.3454% | 1,226 |
Net loans and leases to deposits | 121.8706% | 109 |
Net loans and leases to core deposits | 126.2620% | 505 |
Total domestic deposits to total assets | 63.4652% | 7,600 |
Equity capital to assets | 7.8999% | 6,848 |
Core capital (leverage) ratio | 7.1466% | 7,098 |
Tier 1 risk-based capital ratio | 12.2072% | 5,120 |
Total risk-based capital ratio | 13.4709% | 5,078 |
Memoranda: | ||
Average total assets | $19,962,716,000 | 59 |
Average earning assets | $18,566,858,000 | 56 |
Average equity | $1,542,127,000 | 79 |
Average total loans | $15,626,374,000 | 50 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8883% | 5,520 |
Cost of funding earning assets | 2.3003% | 437 |
Net interest margin | 2.5880% | 7,400 |
Noninterest income to average assets | 0.3194% | 5,593 |
Noninterest expense to average assets | 1.2903% | 7,809 |
Loan and lease loss provision to assets | 0.8945% | 1,418 |
Net operating income to assets | 0.3557% | 5,050 |
Return on assets (ROA) | 0.3557% | 5,177 |
Pretax return on assets | 0.5449% | 4,800 |
Return on Equity (ROE) | 4.6558% | 4,557 |
Retained earnings to average equity (ytd only) | -2.0827% | 6,224 |
Net charge-offs to loans | 0.7193% | 2,061 |
Credit loss provision to net charge-offs | 159.0050% | 2,262 |
Earnings coverage of net charge-offs (x) | 2.5587% | 3,262 |
Efficiency ratio | 47.0927% | 7,496 |
Assets per employee ($millions) | 12.7273% | 148 |
Cash dividends to net income (ytd only)* | 144.7332% | 326 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3456% | 4,702 |
Loan loss allowance to noncurrent loans | 49.3192% | 5,040 |
Noncurrent assets plus other real estate owned to assets | 2.3807% | 3,048 |
Noncurrent loans to loans | 2.7284% | 2,925 |
Net loans and leases to total assets | 77.1779% | 1,298 |
Net loans and leases to deposits | 119.7321% | 139 |
Net loans and leases to core deposits | 124.1918% | 641 |
Total domestic deposits to total assets | 64.4588% | 7,668 |
Equity capital to assets | 7.6761% | 6,948 |
Core capital (leverage) ratio | 6.9417% | 7,285 |
Tier 1 risk-based capital ratio | 11.8429% | 5,355 |
Total risk-based capital ratio | 13.1147% | 5,279 |
Memoranda: | ||
Average total assets | $20,124,089,500 | 58 |
Average earning assets | $18,742,184,000 | 54 |
Average equity | $1,537,422,500 | 78 |
Average total loans | $15,738,754,000 | 46 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0723% | 6,183 |
Cost of funding earning assets | 2.7532% | 509 |
Net interest margin | 2.3191% | 7,576 |
Noninterest income to average assets | 0.3153% | 5,825 |
Noninterest expense to average assets | 1.2213% | 7,902 |
Loan and lease loss provision to assets | 0.9495% | 2,371 |
Net operating income to assets | 0.2180% | 4,840 |
Return on assets (ROA) | 0.2271% | 4,877 |
Pretax return on assets | 0.3294% | 4,693 |
Return on Equity (ROE) | 3.1204% | 4,453 |
Retained earnings to average equity (ytd only) | -2.1774% | 5,555 |
Net charge-offs to loans | 0.7709% | 2,898 |
Credit loss provision to net charge-offs | 160.0256% | 2,791 |
Earnings coverage of net charge-offs (x) | 2.1332% | 4,130 |
Efficiency ratio | 48.8871% | 7,592 |
Assets per employee ($millions) | 12.7061% | 152 |
Cash dividends to net income (ytd only)* | 169.7786% | 245 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2269% | 5,196 |
Loan loss allowance to noncurrent loans | 47.4345% | 5,221 |
Noncurrent assets plus other real estate owned to assets | 2.2509% | 3,066 |
Noncurrent loans to loans | 2.5866% | 2,973 |
Net loans and leases to total assets | 77.2274% | 1,540 |
Net loans and leases to deposits | 120.1473% | 172 |
Net loans and leases to core deposits | 155.7293% | 400 |
Total domestic deposits to total assets | 64.2773% | 7,703 |
Equity capital to assets | 7.6037% | 6,944 |
Core capital (leverage) ratio | 6.8861% | 7,321 |
Tier 1 risk-based capital ratio | 11.7226% | 5,175 |
Total risk-based capital ratio | 12.9920% | 5,123 |
Memoranda: | ||
Average total assets | $21,063,076,000 | 57 |
Average earning assets | $19,724,636,000 | 56 |
Average equity | $1,532,725,600 | 76 |
Average total loans | $16,213,146,200 | 48 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1106% | 6,227 |
Cost of funding earning assets | 2.8028% | 590 |
Net interest margin | 2.3078% | 7,638 |
Noninterest income to average assets | 0.2995% | 6,078 |
Noninterest expense to average assets | 1.2141% | 7,990 |
Loan and lease loss provision to assets | 0.9402% | 2,047 |
Net operating income to assets | 0.2134% | 5,107 |
Return on assets (ROA) | 0.2190% | 5,175 |
Pretax return on assets | 0.3173% | 5,013 |
Return on Equity (ROE) | 3.0415% | 4,776 |
Retained earnings to average equity (ytd only) | -2.9311% | 5,925 |
Net charge-offs to loans | 0.7552% | 2,472 |
Credit loss provision to net charge-offs | 162.3535% | 2,907 |
Earnings coverage of net charge-offs (x) | 2.1577% | 4,210 |
Efficiency ratio | 49.0562% | 7,619 |
Assets per employee ($millions) | 13.1228% | 137 |
Cash dividends to net income (ytd only)* | 196.3703% | 195 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1036% | 5,703 |
Loan loss allowance to noncurrent loans | 42.0493% | 5,520 |
Noncurrent assets plus other real estate owned to assets | 2.2359% | 3,051 |
Noncurrent loans to loans | 2.6246% | 2,879 |
Net loans and leases to total assets | 76.6802% | 1,851 |
Net loans and leases to deposits | 117.6584% | 244 |
Net loans and leases to core deposits | 155.3655% | 470 |
Total domestic deposits to total assets | 65.1719% | 7,719 |
Equity capital to assets | 7.4210% | 7,361 |
Core capital (leverage) ratio | 6.7242% | 7,572 |
Tier 1 risk-based capital ratio | 11.4943% | 5,434 |
Total risk-based capital ratio | 12.7714% | 5,363 |
Memoranda: | ||
Average total assets | $21,271,819,250 | 61 |
Average earning assets | $19,946,624,250 | 60 |
Average equity | $1,531,386,000 | 79 |
Average total loans | $16,312,509,000 | 51 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1801% | 6,147 |
Cost of funding earning assets | 2.8469% | 698 |
Net interest margin | 2.3332% | 7,645 |
Noninterest income to average assets | 0.3162% | 5,979 |
Noninterest expense to average assets | 1.2438% | 8,071 |
Loan and lease loss provision to assets | 0.9310% | 1,812 |
Net operating income to assets | 0.2180% | 5,191 |
Return on assets (ROA) | 0.2024% | 5,335 |
Pretax return on assets | 0.3055% | 5,197 |
Return on Equity (ROE) | 2.8390% | 4,959 |
Retained earnings to average equity (ytd only) | -2.7382% | 5,923 |
Net charge-offs to loans | 0.7159% | 2,268 |
Credit loss provision to net charge-offs | 170.1896% | 2,704 |
Earnings coverage of net charge-offs (x) | 2.3036% | 3,914 |
Efficiency ratio | 49.4499% | 7,697 |
Assets per employee ($millions) | 13.3029% | 133 |
Cash dividends to net income (ytd only)* | 196.4483% | 231 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9977% | 6,271 |
Loan loss allowance to noncurrent loans | 42.7354% | 5,513 |
Noncurrent assets plus other real estate owned to assets | 1.9301% | 3,302 |
Noncurrent loans to loans | 2.3346% | 3,098 |
Net loans and leases to total assets | 75.4257% | 2,337 |
Net loans and leases to deposits | 114.8479% | 368 |
Net loans and leases to core deposits | 153.3857% | 578 |
Total domestic deposits to total assets | 65.6744% | 7,758 |
Equity capital to assets | 7.2662% | 7,437 |
Core capital (leverage) ratio | 6.6238% | 7,731 |
Tier 1 risk-based capital ratio | 11.4634% | 5,430 |
Total risk-based capital ratio | 12.7252% | 5,328 |
Memoranda: | ||
Average total assets | $21,481,683,330 | 65 |
Average earning assets | $20,143,068,330 | 63 |
Average equity | $1,531,225,670 | 82 |
Average total loans | $16,414,964,330 | 55 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2706% | 6,024 |
Cost of funding earning assets | 2.9318% | 712 |
Net interest margin | 2.3388% | 7,679 |
Noninterest income to average assets | 0.3032% | 6,013 |
Noninterest expense to average assets | 1.1284% | 8,139 |
Loan and lease loss provision to assets | 0.9225% | 1,409 |
Net operating income to assets | 0.2875% | 5,345 |
Return on assets (ROA) | 0.2570% | 5,621 |
Pretax return on assets | 0.3972% | 5,405 |
Return on Equity (ROE) | 3.6402% | 5,111 |
Retained earnings to average equity (ytd only) | -3.0753% | 6,297 |
Net charge-offs to loans | 0.4784% | 2,254 |
Credit loss provision to net charge-offs | 251.9907% | 1,864 |
Earnings coverage of net charge-offs (x) | 3.7329% | 3,084 |
Efficiency ratio | 45.0144% | 7,891 |
Assets per employee ($millions) | 13.4902% | 131 |
Cash dividends to net income (ytd only)* | 184.4807% | 334 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9062% | 6,720 |
Loan loss allowance to noncurrent loans | 44.7641% | 5,536 |
Noncurrent assets plus other real estate owned to assets | 1.6998% | 3,371 |
Noncurrent loans to loans | 2.0243% | 3,229 |
Net loans and leases to total assets | 76.2994% | 2,208 |
Net loans and leases to deposits | 117.5551% | 346 |
Net loans and leases to core deposits | 158.2862% | 519 |
Total domestic deposits to total assets | 64.9052% | 7,800 |
Equity capital to assets | 7.1821% | 7,582 |
Core capital (leverage) ratio | 6.5535% | 7,857 |
Tier 1 risk-based capital ratio | 11.2371% | 5,658 |
Total risk-based capital ratio | 12.4510% | 5,618 |
Memoranda: | ||
Average total assets | $21,679,957,500 | 66 |
Average earning assets | $20,318,082,500 | 64 |
Average equity | $1,530,794,000 | 82 |
Average total loans | $16,590,510,000 | 57 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3293% | 7,565 |
Cost of funding earning assets | 3.2603% | 1,020 |
Net interest margin | 2.0691% | 8,029 |
Noninterest income to average assets | 0.3727% | 5,715 |
Noninterest expense to average assets | 1.0295% | 8,199 |
Loan and lease loss provision to assets | 0.6736% | 2,160 |
Net operating income to assets | 0.4350% | 5,010 |
Return on assets (ROA) | 0.4393% | 4,814 |
Pretax return on assets | 0.6220% | 4,619 |
Return on Equity (ROE) | 6.1552% | 3,883 |
Retained earnings to average equity (ytd only) | -3.3653% | 6,197 |
Net charge-offs to loans | 0.1774% | 4,430 |
Credit loss provision to net charge-offs | 507.3002% | 858 |
Earnings coverage of net charge-offs (x) | 9.7113% | 2,647 |
Efficiency ratio | 43.9606% | 8,015 |
Assets per employee ($millions) | 13.9543% | 121 |
Cash dividends to net income (ytd only)* | 154.6742% | 459 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7120% | 7,386 |
Loan loss allowance to noncurrent loans | 50.4330% | 5,472 |
Noncurrent assets plus other real estate owned to assets | 1.1898% | 3,871 |
Noncurrent loans to loans | 1.4118% | 3,695 |
Net loans and leases to total assets | 75.5234% | 2,752 |
Net loans and leases to deposits | 121.4478% | 357 |
Net loans and leases to core deposits | 163.0339% | 518 |
Total domestic deposits to total assets | 62.1859% | 7,879 |
Equity capital to assets | 6.9430% | 7,764 |
Core capital (leverage) ratio | 6.3947% | 7,965 |
Tier 1 risk-based capital ratio | 11.0740% | 5,665 |
Total risk-based capital ratio | 12.0197% | 5,847 |
Memoranda: | ||
Average total assets | $21,778,786,800 | 63 |
Average earning assets | $20,486,481,200 | 62 |
Average equity | $1,554,536,200 | 74 |
Average total loans | $16,302,697,400 | 57 |