Home > California Bank & Trust > Performance and Condition Ratios
California Bank & Trust, Performance and Condition Ratios
| 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 | 3.6815% | 4,472 |
| Cost of funding earning assets | 0.0586% | 6,180 |
| Net interest margin | 3.6229% | 3,068 |
| Noninterest income to average assets | 0.6334% | 2,565 |
| Noninterest expense to average assets | 2.5724% | 3,975 |
| Loan and lease loss provision to assets | -0.0737% | 5,961 |
| Net operating income to assets | 0.8943% | 2,991 |
| Return on assets (ROA) | 0.8908% | 3,088 |
| Pretax return on assets | 1.4622% | 1,795 |
| Return on Equity (ROE) | 6.6433% | 3,814 |
| Retained earnings to average equity (ytd only) | 1.8993% | 4,937 |
| Net charge-offs to loans | 0.1443% | 1,683 |
| Credit loss provision to net charge-offs | -69.7320% | 5,001 |
| Earnings coverage of net charge-offs (x) | 13.1871% | 2,346 |
| Efficiency ratio | 64.6196% | 4,136 |
| Assets per employee ($millions) | 8.8530% | 392 |
| Cash dividends to net income (ytd only)* | 71.4106% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 5,064 |
| Loan loss allowance to noncurrent loans | 100.5763% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7288% | 3,086 |
| Noncurrent loans to loans | 0.9259% | 2,660 |
| Net loans and leases to total assets | 71.4085% | 2,155 |
| Net loans and leases to deposits | 82.9716% | 2,531 |
| Net loans and leases to core deposits | 83.8438% | 3,062 |
| Total domestic deposits to total assets | 86.0638% | 2,492 |
| Equity capital to assets | 13.2091% | 1,347 |
| Core capital (leverage) ratio | 10.5116% | 3,037 |
| Tier 1 risk-based capital ratio | 12.6487% | 4,649 |
| Total risk-based capital ratio | 13.6058% | 4,760 |
| Memoranda: | ||
| Average total assets | $11,672,711,000 | 106 |
| Average earning assets | $10,738,612,250 | 103 |
| Average equity | $1,565,196,750 | 99 |
| Average total loans | $8,549,783,500 | 100 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 4,245 |
| Cost of funding earning assets | 0.0586% | 6,253 |
| Net interest margin | 3.6893% | 2,758 |
| Noninterest income to average assets | 0.6366% | 2,546 |
| Noninterest expense to average assets | 2.6621% | 3,715 |
| Loan and lease loss provision to assets | -0.1311% | 6,115 |
| Net operating income to assets | 0.9122% | 2,809 |
| Return on assets (ROA) | 0.9069% | 2,962 |
| Pretax return on assets | 1.4879% | 1,685 |
| Return on Equity (ROE) | 6.7289% | 3,770 |
| Retained earnings to average equity (ytd only) | 1.8418% | 4,777 |
| Net charge-offs to loans | 0.0329% | 3,007 |
| Credit loss provision to net charge-offs | -541.3695% | 5,229 |
| Earnings coverage of net charge-offs (x) | 56.3566% | 876 |
| Efficiency ratio | 65.8619% | 4,035 |
| Assets per employee ($millions) | 8.5636% | 426 |
| Cash dividends to net income (ytd only)* | 72.6284% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 4,753 |
| Loan loss allowance to noncurrent loans | 104.6910% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7677% | 3,086 |
| Noncurrent loans to loans | 0.9772% | 2,692 |
| Net loans and leases to total assets | 71.0638% | 2,152 |
| Net loans and leases to deposits | 82.5527% | 2,487 |
| Net loans and leases to core deposits | 83.4419% | 3,038 |
| Total domestic deposits to total assets | 86.0830% | 2,656 |
| Equity capital to assets | 13.2438% | 1,283 |
| Core capital (leverage) ratio | 10.7518% | 2,677 |
| Tier 1 risk-based capital ratio | 12.7828% | 4,631 |
| Total risk-based capital ratio | 13.8284% | 4,674 |
| Memoranda: | ||
| Average total assets | $11,576,804,000 | 108 |
| Average earning assets | $10,639,128,330 | 106 |
| Average equity | $1,560,308,670 | 98 |
| Average total loans | $8,526,031,670 | 102 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7194% | 4,300 |
| Cost of funding earning assets | 0.0597% | 6,327 |
| Net interest margin | 3.6597% | 2,777 |
| Noninterest income to average assets | 0.5685% | 2,845 |
| Noninterest expense to average assets | 2.6009% | 3,919 |
| Loan and lease loss provision to assets | -0.1427% | 6,230 |
| Net operating income to assets | 0.8980% | 2,751 |
| Return on assets (ROA) | 0.8980% | 2,879 |
| Pretax return on assets | 1.4715% | 1,654 |
| Return on Equity (ROE) | 6.6035% | 3,712 |
| Retained earnings to average equity (ytd only) | 1.3178% | 4,957 |
| Net charge-offs to loans | 0.1531% | 1,341 |
| Credit loss provision to net charge-offs | -124.9770% | 4,524 |
| Earnings coverage of net charge-offs (x) | 11.6364% | 1,846 |
| Efficiency ratio | 65.9266% | 4,172 |
| Assets per employee ($millions) | 8.1144% | 518 |
| Cash dividends to net income (ytd only)* | 80.0436% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 4,831 |
| Loan loss allowance to noncurrent loans | 88.0382% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 2,707 |
| Noncurrent loans to loans | 1.1794% | 2,417 |
| Net loans and leases to total assets | 73.1628% | 1,624 |
| Net loans and leases to deposits | 85.3646% | 1,910 |
| Net loans and leases to core deposits | 86.3930% | 2,506 |
| Total domestic deposits to total assets | 85.7062% | 3,092 |
| Equity capital to assets | 13.5106% | 1,167 |
| Core capital (leverage) ratio | 10.8169% | 2,605 |
| Tier 1 risk-based capital ratio | 12.9304% | 4,644 |
| Total risk-based capital ratio | 14.0095% | 4,667 |
| Memoranda: | ||
| Average total assets | $11,443,483,000 | 107 |
| Average earning assets | $10,510,168,000 | 105 |
| Average equity | $1,556,204,000 | 98 |
| Average total loans | $8,537,350,000 | 102 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1621% | 3,075 |
| Cost of funding earning assets | 0.0657% | 6,410 |
| Net interest margin | 4.0963% | 1,590 |
| Noninterest income to average assets | 0.6074% | 2,811 |
| Noninterest expense to average assets | 2.8966% | 3,165 |
| Loan and lease loss provision to assets | -0.1810% | 6,273 |
| Net operating income to assets | 0.9963% | 2,397 |
| Return on assets (ROA) | 0.9115% | 2,914 |
| Pretax return on assets | 1.4864% | 1,595 |
| Return on Equity (ROE) | 6.6066% | 3,840 |
| Retained earnings to average equity (ytd only) | 2.2513% | 4,640 |
| Net charge-offs to loans | 0.0639% | 3,574 |
| Credit loss provision to net charge-offs | -366.7517% | 5,731 |
| Earnings coverage of net charge-offs (x) | 29.1345% | 1,370 |
| Efficiency ratio | 66.5487% | 4,143 |
| Assets per employee ($millions) | 7.8424% | 566 |
| Cash dividends to net income (ytd only)* | 65.9235% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 4,425 |
| Loan loss allowance to noncurrent loans | 90.8563% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 2,738 |
| Noncurrent loans to loans | 1.2373% | 2,380 |
| Net loans and leases to total assets | 74.4444% | 1,507 |
| Net loans and leases to deposits | 86.9684% | 1,853 |
| Net loans and leases to core deposits | 88.0887% | 2,490 |
| Total domestic deposits to total assets | 85.5994% | 3,029 |
| Equity capital to assets | 13.6891% | 1,078 |
| Core capital (leverage) ratio | 10.7765% | 2,642 |
| Tier 1 risk-based capital ratio | 13.0015% | 4,730 |
| Total risk-based capital ratio | 14.1810% | 4,690 |
| Memoranda: | ||
| Average total assets | $11,116,063,800 | 108 |
| Average earning assets | $10,113,741,400 | 106 |
| Average equity | $1,533,697,200 | 98 |
| Average total loans | $8,586,052,600 | 97 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 2,913 |
| Cost of funding earning assets | 0.0658% | 6,493 |
| Net interest margin | 4.1579% | 1,405 |
| Noninterest income to average assets | 0.6137% | 2,784 |
| Noninterest expense to average assets | 2.9587% | 2,937 |
| Loan and lease loss provision to assets | -0.3030% | 6,465 |
| Net operating income to assets | 1.0644% | 2,174 |
| Return on assets (ROA) | 0.9521% | 2,756 |
| Pretax return on assets | 1.5570% | 1,460 |
| Return on Equity (ROE) | 6.8867% | 3,764 |
| Retained earnings to average equity (ytd only) | 2.5936% | 4,739 |
| Net charge-offs to loans | 0.0299% | 3,889 |
| Credit loss provision to net charge-offs | -1,302.2798% | 5,912 |
| Earnings coverage of net charge-offs (x) | 61.4394% | 849 |
| Efficiency ratio | 67.1407% | 4,019 |
| Assets per employee ($millions) | 7.6145% | 604 |
| Cash dividends to net income (ytd only)* | 62.3397% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 4,712 |
| Loan loss allowance to noncurrent loans | 78.2005% | 4,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 2,640 |
| Noncurrent loans to loans | 1.4157% | 2,297 |
| Net loans and leases to total assets | 75.7468% | 1,253 |
| Net loans and leases to deposits | 88.8836% | 1,570 |
| Net loans and leases to core deposits | 90.0812% | 2,216 |
| Total domestic deposits to total assets | 85.2203% | 3,251 |
| Equity capital to assets | 13.9130% | 1,039 |
| Core capital (leverage) ratio | 10.8293% | 2,667 |
| Tier 1 risk-based capital ratio | 13.1115% | 4,792 |
| Total risk-based capital ratio | 14.2930% | 4,765 |
| Memoranda: | ||
| Average total assets | $11,060,038,750 | 106 |
| Average earning assets | $10,040,205,000 | 106 |
| Average equity | $1,529,030,250 | 101 |
| Average total loans | $8,598,039,750 | 96 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 2,378 |
| Cost of funding earning assets | 0.0658% | 6,558 |
| Net interest margin | 4.2850% | 1,058 |
| Noninterest income to average assets | 0.6097% | 2,769 |
| Noninterest expense to average assets | 3.0520% | 2,656 |
| Loan and lease loss provision to assets | -0.2725% | 6,517 |
| Net operating income to assets | 1.0487% | 2,123 |
| Return on assets (ROA) | 0.8831% | 2,984 |
| Pretax return on assets | 1.4468% | 1,726 |
| Return on Equity (ROE) | 6.4017% | 3,940 |
| Retained earnings to average equity (ytd only) | 2.1079% | 4,840 |
| Net charge-offs to loans | -0.0206% | 5,558 |
| Credit loss provision to net charge-offs | 1,694.3630% | 220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7639% | 4,048 |
| Assets per employee ($millions) | 7.5502% | 608 |
| Cash dividends to net income (ytd only)* | 67.0732% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 4,203 |
| Loan loss allowance to noncurrent loans | 75.2151% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 2,397 |
| Noncurrent loans to loans | 1.6522% | 2,103 |
| Net loans and leases to total assets | 77.0942% | 1,039 |
| Net loans and leases to deposits | 90.2170% | 1,349 |
| Net loans and leases to core deposits | 91.4588% | 1,981 |
| Total domestic deposits to total assets | 85.4542% | 3,306 |
| Equity capital to assets | 13.8795% | 1,024 |
| Core capital (leverage) ratio | 10.9017% | 2,525 |
| Tier 1 risk-based capital ratio | 12.7726% | 5,053 |
| Total risk-based capital ratio | 14.0234% | 4,990 |
| Memoranda: | ||
| Average total assets | $11,030,840,000 | 106 |
| Average earning assets | $9,976,293,000 | 106 |
| Average equity | $1,521,717,670 | 100 |
| Average total loans | $8,617,883,330 | 93 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 1,903 |
| Cost of funding earning assets | 0.0662% | 6,634 |
| Net interest margin | 4.4044% | 800 |
| Noninterest income to average assets | 0.6821% | 2,273 |
| Noninterest expense to average assets | 3.1146% | 2,481 |
| Loan and lease loss provision to assets | -0.0770% | 6,477 |
| Net operating income to assets | 1.0176% | 2,139 |
| Return on assets (ROA) | 0.7145% | 3,693 |
| Pretax return on assets | 1.1546% | 2,677 |
| Return on Equity (ROE) | 5.1950% | 4,446 |
| Retained earnings to average equity (ytd only) | 1.4894% | 5,016 |
| Net charge-offs to loans | -0.0314% | 5,584 |
| Credit loss provision to net charge-offs | 313.9259% | 777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4715% | 4,453 |
| Assets per employee ($millions) | 7.5260% | 620 |
| Cash dividends to net income (ytd only)* | 71.3305% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 3,608 |
| Loan loss allowance to noncurrent loans | 85.7638% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.3330% | 2,655 |
| Noncurrent loans to loans | 1.6303% | 2,388 |
| Net loans and leases to total assets | 76.7119% | 920 |
| Net loans and leases to deposits | 89.8134% | 1,172 |
| Net loans and leases to core deposits | 91.0693% | 1,821 |
| Total domestic deposits to total assets | 85.4125% | 3,666 |
| Equity capital to assets | 13.7356% | 1,020 |
| Core capital (leverage) ratio | 10.9182% | 2,467 |
| Tier 1 risk-based capital ratio | 12.7556% | 5,159 |
| Total risk-based capital ratio | 14.0084% | 5,092 |
| Memoranda: | ||
| Average total assets | $11,008,154,000 | 106 |
| Average earning assets | $9,956,973,000 | 106 |
| Average equity | $1,513,914,000 | 97 |
| Average total loans | $8,603,542,000 | 92 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8654% | 1,164 |
| Cost of funding earning assets | 0.0776% | 6,714 |
| Net interest margin | 4.7878% | 444 |
| Noninterest income to average assets | 0.7422% | 2,324 |
| Noninterest expense to average assets | 3.2582% | 2,259 |
| Loan and lease loss provision to assets | -0.1533% | 6,550 |
| Net operating income to assets | 1.2859% | 1,287 |
| Return on assets (ROA) | 1.2858% | 1,340 |
| Pretax return on assets | 1.9515% | 534 |
| Return on Equity (ROE) | 9.4379% | 2,352 |
| Retained earnings to average equity (ytd only) | 1.3479% | 5,221 |
| Net charge-offs to loans | -0.0491% | 6,334 |
| Credit loss provision to net charge-offs | 406.1740% | 561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1416% | 4,870 |
| Assets per employee ($millions) | 7.3112% | 654 |
| Cash dividends to net income (ytd only)* | 85.7184% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4332% | 3,494 |
| Loan loss allowance to noncurrent loans | 88.8306% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.3570% | 2,716 |
| Noncurrent loans to loans | 1.6135% | 2,487 |
| Net loans and leases to total assets | 77.3926% | 902 |
| Net loans and leases to deposits | 90.6292% | 1,185 |
| Net loans and leases to core deposits | 92.0092% | 1,795 |
| Total domestic deposits to total assets | 85.3948% | 3,556 |
| Equity capital to assets | 13.7700% | 975 |
| Core capital (leverage) ratio | 10.7533% | 2,621 |
| Tier 1 risk-based capital ratio | 12.3955% | 5,355 |
| Total risk-based capital ratio | 13.6485% | 5,297 |
| Memoranda: | ||
| Average total assets | $10,897,015,200 | 105 |
| Average earning assets | $9,819,116,600 | 105 |
| Average equity | $1,484,550,600 | 98 |
| Average total loans | $8,376,901,200 | 91 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8105% | 1,325 |
| Cost of funding earning assets | 0.0799% | 6,796 |
| Net interest margin | 4.7306% | 494 |
| Noninterest income to average assets | 0.7709% | 2,276 |
| Noninterest expense to average assets | 3.2117% | 2,330 |
| Loan and lease loss provision to assets | -0.1575% | 6,684 |
| Net operating income to assets | 1.1936% | 1,658 |
| Return on assets (ROA) | 1.1935% | 1,733 |
| Pretax return on assets | 1.9738% | 610 |
| Return on Equity (ROE) | 8.7844% | 2,748 |
| Retained earnings to average equity (ytd only) | -0.5035% | 6,043 |
| Net charge-offs to loans | -0.0392% | 6,234 |
| Credit loss provision to net charge-offs | 525.7458% | 531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5706% | 4,878 |
| Assets per employee ($millions) | 7.1372% | 689 |
| Cash dividends to net income (ytd only)* | 105.7320% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 3,396 |
| Loan loss allowance to noncurrent loans | 91.2315% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.4270% | 2,816 |
| Noncurrent loans to loans | 1.6603% | 2,694 |
| Net loans and leases to total assets | 76.3524% | 962 |
| Net loans and leases to deposits | 89.2997% | 1,243 |
| Net loans and leases to core deposits | 90.8042% | 1,888 |
| Total domestic deposits to total assets | 85.5013% | 3,492 |
| Equity capital to assets | 13.7166% | 1,047 |
| Core capital (leverage) ratio | 10.6331% | 2,855 |
| Tier 1 risk-based capital ratio | 12.5596% | 5,420 |
| Total risk-based capital ratio | 13.8136% | 5,363 |
| Memoranda: | ||
| Average total assets | $10,890,519,000 | 104 |
| Average earning assets | $9,800,826,000 | 105 |
| Average equity | $1,479,664,500 | 98 |
| Average total loans | $8,326,996,750 | 91 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9164% | 1,056 |
| Cost of funding earning assets | 0.0819% | 6,844 |
| Net interest margin | 4.8345% | 411 |
| Noninterest income to average assets | 0.7659% | 2,346 |
| Noninterest expense to average assets | 3.3994% | 1,821 |
| Loan and lease loss provision to assets | -0.1802% | 6,773 |
| Net operating income to assets | 1.1501% | 1,743 |
| Return on assets (ROA) | 1.1501% | 1,860 |
| Pretax return on assets | 1.8958% | 755 |
| Return on Equity (ROE) | 8.4913% | 2,850 |
| Retained earnings to average equity (ytd only) | 0.2420% | 5,783 |
| Net charge-offs to loans | -0.0218% | 5,994 |
| Credit loss provision to net charge-offs | 1,087.9558% | 282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1561% | 4,526 |
| Assets per employee ($millions) | 7.1173% | 686 |
| Cash dividends to net income (ytd only)* | 97.1499% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 3,350 |
| Loan loss allowance to noncurrent loans | 79.7818% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.6983% | 2,559 |
| Noncurrent loans to loans | 1.9463% | 2,457 |
| Net loans and leases to total assets | 76.0958% | 978 |
| Net loans and leases to deposits | 89.0453% | 1,222 |
| Net loans and leases to core deposits | 90.6192% | 1,851 |
| Total domestic deposits to total assets | 85.4574% | 3,665 |
| Equity capital to assets | 13.6930% | 1,056 |
| Core capital (leverage) ratio | 10.7345% | 2,631 |
| Tier 1 risk-based capital ratio | 12.5844% | 5,440 |
| Total risk-based capital ratio | 13.8400% | 5,376 |
| Memoranda: | ||
| Average total assets | $10,928,306,670 | 104 |
| Average earning assets | $9,831,215,670 | 105 |
| Average equity | $1,480,132,000 | 97 |
| Average total loans | $8,317,602,670 | 90 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 1,425 |
| Cost of funding earning assets | 0.0841% | 6,929 |
| Net interest margin | 4.6588% | 514 |
| Noninterest income to average assets | 0.8058% | 2,103 |
| Noninterest expense to average assets | 3.3188% | 2,039 |
| Loan and lease loss provision to assets | -0.2479% | 6,911 |
| Net operating income to assets | 1.1611% | 1,636 |
| Return on assets (ROA) | 1.1611% | 1,743 |
| Pretax return on assets | 1.9195% | 706 |
| Return on Equity (ROE) | 8.6200% | 2,659 |
| Retained earnings to average equity (ytd only) | -3.0237% | 6,194 |
| Net charge-offs to loans | -0.0034% | 5,211 |
| Credit loss provision to net charge-offs | 9,712.8571% | 17 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1860% | 4,633 |
| Assets per employee ($millions) | 7.0947% | 739 |
| Cash dividends to net income (ytd only)* | 135.0779% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,428 |
| Loan loss allowance to noncurrent loans | 75.6160% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.7450% | 2,674 |
| Noncurrent loans to loans | 2.1060% | 2,499 |
| Net loans and leases to total assets | 75.2061% | 936 |
| Net loans and leases to deposits | 88.0742% | 1,141 |
| Net loans and leases to core deposits | 89.6856% | 1,729 |
| Total domestic deposits to total assets | 85.3895% | 3,850 |
| Equity capital to assets | 13.5389% | 1,199 |
| Core capital (leverage) ratio | 10.5085% | 2,763 |
| Tier 1 risk-based capital ratio | 12.7256% | 5,419 |
| Total risk-based capital ratio | 13.9819% | 5,365 |
| Memoranda: | ||
| Average total assets | $10,972,608,000 | 104 |
| Average earning assets | $9,856,052,500 | 105 |
| Average equity | $1,478,057,500 | 97 |
| Average total loans | $8,287,071,500 | 92 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 1,761 |
| Cost of funding earning assets | 0.1170% | 6,976 |
| Net interest margin | 4.8079% | 531 |
| Noninterest income to average assets | 0.7022% | 2,707 |
| Noninterest expense to average assets | 3.0414% | 3,130 |
| Loan and lease loss provision to assets | -0.0723% | 6,893 |
| Net operating income to assets | 1.2188% | 1,535 |
| Return on assets (ROA) | 1.1647% | 1,875 |
| Pretax return on assets | 1.9285% | 702 |
| Return on Equity (ROE) | 8.4592% | 2,889 |
| Retained earnings to average equity (ytd only) | 3.3404% | 3,870 |
| Net charge-offs to loans | 0.2372% | 3,516 |
| Credit loss provision to net charge-offs | -39.9241% | 6,268 |
| Earnings coverage of net charge-offs (x) | 10.7183% | 2,112 |
| Efficiency ratio | 60.6729% | 5,432 |
| Assets per employee ($millions) | 7.1321% | 730 |
| Cash dividends to net income (ytd only)* | 60.5109% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7708% | 2,685 |
| Loan loss allowance to noncurrent loans | 76.8563% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.8637% | 2,620 |
| Noncurrent loans to loans | 2.3040% | 2,347 |
| Net loans and leases to total assets | 73.3210% | 1,285 |
| Net loans and leases to deposits | 85.5748% | 1,567 |
| Net loans and leases to core deposits | 87.1706% | 2,172 |
| Total domestic deposits to total assets | 85.6806% | 3,521 |
| Equity capital to assets | 13.4031% | 1,269 |
| Core capital (leverage) ratio | 10.3651% | 2,931 |
| Tier 1 risk-based capital ratio | 12.9238% | 5,166 |
| Total risk-based capital ratio | 14.1823% | 5,099 |
| Memoranda: | ||
| Average total assets | $10,913,008,600 | 107 |
| Average earning assets | $9,714,569,000 | 105 |
| Average equity | $1,502,584,000 | 90 |
| Average total loans | $8,328,802,000 | 88 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 1,715 |
| Cost of funding earning assets | 0.1252% | 7,081 |
| Net interest margin | 4.8639% | 509 |
| Noninterest income to average assets | 0.7169% | 2,631 |
| Noninterest expense to average assets | 3.0884% | 2,919 |
| Loan and lease loss provision to assets | -0.1165% | 7,050 |
| Net operating income to assets | 1.2535% | 1,571 |
| Return on assets (ROA) | 1.1813% | 1,988 |
| Pretax return on assets | 1.9551% | 769 |
| Return on Equity (ROE) | 8.5220% | 3,034 |
| Retained earnings to average equity (ytd only) | 3.4900% | 4,412 |
| Net charge-offs to loans | 0.2615% | 3,154 |
| Credit loss provision to net charge-offs | -58.0742% | 6,193 |
| Earnings coverage of net charge-offs (x) | 9.7238% | 2,279 |
| Efficiency ratio | 60.9038% | 5,331 |
| Assets per employee ($millions) | 7.0957% | 709 |
| Cash dividends to net income (ytd only)* | 59.0474% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8097% | 2,767 |
| Loan loss allowance to noncurrent loans | 72.0057% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 2.0923% | 2,545 |
| Noncurrent loans to loans | 2.5133% | 2,279 |
| Net loans and leases to total assets | 74.2722% | 1,211 |
| Net loans and leases to deposits | 86.7495% | 1,515 |
| Net loans and leases to core deposits | 88.3059% | 2,181 |
| Total domestic deposits to total assets | 85.6168% | 3,453 |
| Equity capital to assets | 13.5103% | 1,345 |
| Core capital (leverage) ratio | 10.4093% | 3,027 |
| Tier 1 risk-based capital ratio | 13.3150% | 5,012 |
| Total risk-based capital ratio | 14.5749% | 4,974 |
| Memoranda: | ||
| Average total assets | $10,873,988,000 | 107 |
| Average earning assets | $9,664,500,500 | 104 |
| Average equity | $1,507,328,750 | 92 |
| Average total loans | $8,345,434,500 | 89 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0015% | 1,788 |
| Cost of funding earning assets | 0.1314% | 7,149 |
| Net interest margin | 4.8701% | 497 |
| Noninterest income to average assets | 0.7089% | 2,621 |
| Noninterest expense to average assets | 3.0561% | 3,061 |
| Loan and lease loss provision to assets | -0.1232% | 7,118 |
| Net operating income to assets | 1.2714% | 1,512 |
| Return on assets (ROA) | 1.1630% | 2,039 |
| Pretax return on assets | 1.9228% | 815 |
| Return on Equity (ROE) | 8.3196% | 3,106 |
| Retained earnings to average equity (ytd only) | 3.2437% | 4,453 |
| Net charge-offs to loans | 0.2997% | 2,828 |
| Credit loss provision to net charge-offs | -53.2967% | 6,007 |
| Earnings coverage of net charge-offs (x) | 8.5180% | 2,282 |
| Efficiency ratio | 60.4333% | 5,510 |
| Assets per employee ($millions) | 6.9081% | 758 |
| Cash dividends to net income (ytd only)* | 61.0113% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9113% | 2,518 |
| Loan loss allowance to noncurrent loans | 64.0536% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 2.5990% | 2,132 |
| Noncurrent loans to loans | 2.9840% | 1,987 |
| Net loans and leases to total assets | 76.5675% | 900 |
| Net loans and leases to deposits | 89.7044% | 1,173 |
| Net loans and leases to core deposits | 91.3703% | 1,831 |
| Total domestic deposits to total assets | 85.3553% | 3,686 |
| Equity capital to assets | 13.7635% | 1,187 |
| Core capital (leverage) ratio | 10.6090% | 2,702 |
| Tier 1 risk-based capital ratio | 13.1300% | 5,093 |
| Total risk-based capital ratio | 14.3910% | 5,055 |
| Memoranda: | ||
| Average total assets | $10,865,646,670 | 106 |
| Average earning assets | $9,629,827,670 | 103 |
| Average equity | $1,518,941,670 | 91 |
| Average total loans | $8,379,201,000 | 87 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 1,919 |
| Cost of funding earning assets | 0.1381% | 7,209 |
| Net interest margin | 4.8535% | 505 |
| Noninterest income to average assets | 0.7121% | 2,601 |
| Noninterest expense to average assets | 2.9914% | 3,280 |
| Loan and lease loss provision to assets | -0.1064% | 7,183 |
| Net operating income to assets | 1.3027% | 1,453 |
| Return on assets (ROA) | 1.0869% | 2,331 |
| Pretax return on assets | 1.7878% | 1,102 |
| Return on Equity (ROE) | 7.7166% | 3,404 |
| Retained earnings to average equity (ytd only) | 2.7012% | 4,907 |
| Net charge-offs to loans | 0.3868% | 2,143 |
| Credit loss provision to net charge-offs | -35.8714% | 5,407 |
| Earnings coverage of net charge-offs (x) | 6.8075% | 2,155 |
| Efficiency ratio | 59.3199% | 5,720 |
| Assets per employee ($millions) | 6.9241% | 785 |
| Cash dividends to net income (ytd only)* | 64.9953% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0926% | 2,117 |
| Loan loss allowance to noncurrent loans | 64.7904% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 2.8177% | 2,083 |
| Noncurrent loans to loans | 3.2298% | 1,986 |
| Net loans and leases to total assets | 74.6207% | 970 |
| Net loans and leases to deposits | 88.4485% | 1,114 |
| Net loans and leases to core deposits | 90.1250% | 1,843 |
| Total domestic deposits to total assets | 84.3663% | 4,341 |
| Equity capital to assets | 14.1110% | 983 |
| Core capital (leverage) ratio | 11.2228% | 2,093 |
| Tier 1 risk-based capital ratio | 13.9496% | 4,505 |
| Total risk-based capital ratio | 15.2128% | 4,462 |
| Memoranda: | ||
| Average total assets | $10,913,592,500 | 104 |
| Average earning assets | $9,664,019,500 | 103 |
| Average equity | $1,537,266,500 | 87 |
| Average total loans | $8,365,395,500 | 87 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5307% | 1,094 |
| Cost of funding earning assets | 0.2161% | 7,221 |
| Net interest margin | 5.3146% | 235 |
| Noninterest income to average assets | 0.9622% | 1,466 |
| Noninterest expense to average assets | 3.2678% | 2,627 |
| Loan and lease loss provision to assets | -0.0879% | 7,272 |
| Net operating income to assets | 1.5027% | 821 |
| Return on assets (ROA) | 1.2403% | 1,506 |
| Pretax return on assets | 2.0530% | 477 |
| Return on Equity (ROE) | 9.0061% | 2,441 |
| Retained earnings to average equity (ytd only) | 6.1541% | 1,924 |
| Net charge-offs to loans | 0.6442% | 2,537 |
| Credit loss provision to net charge-offs | -17.6604% | 6,631 |
| Earnings coverage of net charge-offs (x) | 4.7733% | 2,978 |
| Efficiency ratio | 57.4231% | 6,126 |
| Assets per employee ($millions) | 6.9213% | 763 |
| Cash dividends to net income (ytd only)* | 31.6679% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2199% | 1,764 |
| Loan loss allowance to noncurrent loans | 76.3704% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 2.5798% | 2,355 |
| Noncurrent loans to loans | 2.9067% | 2,248 |
| Net loans and leases to total assets | 75.3770% | 1,038 |
| Net loans and leases to deposits | 89.3158% | 1,223 |
| Net loans and leases to core deposits | 91.0399% | 1,982 |
| Total domestic deposits to total assets | 84.3938% | 4,141 |
| Equity capital to assets | 14.0605% | 1,040 |
| Core capital (leverage) ratio | 10.9627% | 2,302 |
| Tier 1 risk-based capital ratio | 13.8126% | 4,469 |
| Total risk-based capital ratio | 15.0778% | 4,415 |
| Memoranda: | ||
| Average total assets | $10,833,371,800 | 100 |
| Average earning assets | $9,541,493,400 | 102 |
| Average equity | $1,491,908,200 | 87 |
| Average total loans | $8,367,508,200 | 85 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6025% | 1,029 |
| Cost of funding earning assets | 0.2331% | 7,291 |
| Net interest margin | 5.3694% | 218 |
| Noninterest income to average assets | 1.0430% | 1,241 |
| Noninterest expense to average assets | 3.3447% | 2,364 |
| Loan and lease loss provision to assets | 0.0486% | 5,837 |
| Net operating income to assets | 1.4428% | 1,071 |
| Return on assets (ROA) | 1.2757% | 1,548 |
| Pretax return on assets | 2.1125% | 505 |
| Return on Equity (ROE) | 9.3126% | 2,460 |
| Retained earnings to average equity (ytd only) | 7.3580% | 1,790 |
| Net charge-offs to loans | 0.7685% | 2,030 |
| Credit loss provision to net charge-offs | 8.1910% | 5,678 |
| Earnings coverage of net charge-offs (x) | 4.0787% | 3,189 |
| Efficiency ratio | 57.4794% | 6,082 |
| Assets per employee ($millions) | 6.9409% | 758 |
| Cash dividends to net income (ytd only)* | 20.9887% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4984% | 1,403 |
| Loan loss allowance to noncurrent loans | 75.5475% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 2.9168% | 2,215 |
| Noncurrent loans to loans | 3.3071% | 2,086 |
| Net loans and leases to total assets | 74.2812% | 1,287 |
| Net loans and leases to deposits | 87.1972% | 1,531 |
| Net loans and leases to core deposits | 89.6011% | 2,303 |
| Total domestic deposits to total assets | 84.6470% | 3,942 |
| Equity capital to assets | 13.8606% | 1,219 |
| Core capital (leverage) ratio | 10.8739% | 2,500 |
| Tier 1 risk-based capital ratio | 13.9049% | 4,415 |
| Total risk-based capital ratio | 15.1740% | 4,368 |
| Memoranda: | ||
| Average total assets | $10,818,200,000 | 99 |
| Average earning assets | $9,517,725,000 | 99 |
| Average equity | $1,481,946,250 | 89 |
| Average total loans | $8,359,874,000 | 85 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6565% | 953 |
| Cost of funding earning assets | 0.2483% | 7,365 |
| Net interest margin | 5.4082% | 207 |
| Noninterest income to average assets | 1.1453% | 979 |
| Noninterest expense to average assets | 3.3747% | 2,331 |
| Loan and lease loss provision to assets | 0.0994% | 5,080 |
| Net operating income to assets | 1.4679% | 946 |
| Return on assets (ROA) | 1.3080% | 1,369 |
| Pretax return on assets | 2.1710% | 432 |
| Return on Equity (ROE) | 9.5865% | 2,278 |
| Retained earnings to average equity (ytd only) | 9.5865% | 942 |
| Net charge-offs to loans | 0.9376% | 1,662 |
| Credit loss provision to net charge-offs | 13.6594% | 5,208 |
| Earnings coverage of net charge-offs (x) | 3.4619% | 3,157 |
| Efficiency ratio | 56.6627% | 6,338 |
| Assets per employee ($millions) | 6.7890% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6443% | 1,251 |
| Loan loss allowance to noncurrent loans | 77.2665% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 3.1734% | 2,116 |
| Noncurrent loans to loans | 3.4223% | 2,071 |
| Net loans and leases to total assets | 75.1138% | 1,222 |
| Net loans and leases to deposits | 88.5138% | 1,431 |
| Net loans and leases to core deposits | 91.6694% | 2,173 |
| Total domestic deposits to total assets | 83.7321% | 4,460 |
| Equity capital to assets | 13.9909% | 1,097 |
| Core capital (leverage) ratio | 10.9155% | 2,326 |
| Tier 1 risk-based capital ratio | 13.7576% | 4,330 |
| Total risk-based capital ratio | 15.0281% | 4,293 |
| Memoranda: | ||
| Average total assets | $10,777,996,330 | 103 |
| Average earning assets | $9,465,841,330 | 101 |
| Average equity | $1,470,532,000 | 90 |
| Average total loans | $8,368,600,670 | 86 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6821% | 912 |
| Cost of funding earning assets | 0.2595% | 7,427 |
| Net interest margin | 5.4226% | 187 |
| Noninterest income to average assets | 1.4100% | 650 |
| Noninterest expense to average assets | 3.3181% | 2,502 |
| Loan and lease loss provision to assets | 0.4152% | 2,113 |
| Net operating income to assets | 1.4915% | 892 |
| Return on assets (ROA) | 1.1716% | 1,647 |
| Pretax return on assets | 1.9349% | 628 |
| Return on Equity (ROE) | 8.6979% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.6979% | 1,491 |
| Net charge-offs to loans | 1.3019% | 1,063 |
| Credit loss provision to net charge-offs | 40.9444% | 3,926 |
| Earnings coverage of net charge-offs (x) | 2.8104% | 2,960 |
| Efficiency ratio | 53.0314% | 6,779 |
| Assets per employee ($millions) | 6.7633% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8546% | 1,054 |
| Loan loss allowance to noncurrent loans | 80.3922% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 3.2643% | 2,102 |
| Noncurrent loans to loans | 3.5508% | 2,097 |
| Net loans and leases to total assets | 75.0601% | 1,169 |
| Net loans and leases to deposits | 87.8289% | 1,486 |
| Net loans and leases to core deposits | 90.9575% | 2,244 |
| Total domestic deposits to total assets | 84.3244% | 4,357 |
| Equity capital to assets | 13.6007% | 1,150 |
| Core capital (leverage) ratio | 10.5618% | 2,545 |
| Tier 1 risk-based capital ratio | 13.1709% | 4,689 |
| Total risk-based capital ratio | 14.4436% | 4,648 |
| Memoranda: | ||
| Average total assets | $10,776,504,500 | 104 |
| Average earning assets | $9,455,872,000 | 102 |
| Average equity | $1,451,622,500 | 91 |
| Average total loans | $8,393,924,000 | 86 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5837% | 1,963 |
| Cost of funding earning assets | 0.4137% | 7,415 |
| Net interest margin | 5.1700% | 304 |
| Noninterest income to average assets | 0.9098% | 1,820 |
| Noninterest expense to average assets | 3.1116% | 3,406 |
| Loan and lease loss provision to assets | 1.3498% | 1,124 |
| Net operating income to assets | 0.5299% | 3,965 |
| Return on assets (ROA) | 0.5299% | 4,120 |
| Pretax return on assets | 0.8928% | 3,315 |
| Return on Equity (ROE) | 4.1810% | 4,438 |
| Retained earnings to average equity (ytd only) | 4.1810% | 2,915 |
| Net charge-offs to loans | 1.7571% | 1,212 |
| Credit loss provision to net charge-offs | 98.6297% | 4,690 |
| Earnings coverage of net charge-offs (x) | 1.6386% | 4,509 |
| Efficiency ratio | 57.2313% | 6,426 |
| Assets per employee ($millions) | 6.5524% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0500% | 832 |
| Loan loss allowance to noncurrent loans | 109.7273% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 2.6600% | 2,619 |
| Noncurrent loans to loans | 2.7796% | 2,744 |
| Net loans and leases to total assets | 76.1228% | 1,253 |
| Net loans and leases to deposits | 88.8873% | 1,666 |
| Net loans and leases to core deposits | 92.2141% | 2,479 |
| Total domestic deposits to total assets | 84.4393% | 4,155 |
| Equity capital to assets | 13.3395% | 1,241 |
| Core capital (leverage) ratio | 9.9425% | 3,152 |
| Tier 1 risk-based capital ratio | 12.4039% | 5,106 |
| Total risk-based capital ratio | 13.6788% | 5,067 |
| Memoranda: | ||
| Average total assets | $11,101,961,800 | 97 |
| Average earning assets | $9,543,897,600 | 101 |
| Average equity | $1,406,927,000 | 88 |
| Average total loans | $8,647,450,200 | 84 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4905% | 2,465 |
| Cost of funding earning assets | 0.4508% | 7,517 |
| Net interest margin | 5.0397% | 397 |
| Noninterest income to average assets | 0.9778% | 1,530 |
| Noninterest expense to average assets | 2.9902% | 3,782 |
| Loan and lease loss provision to assets | 1.4314% | 942 |
| Net operating income to assets | 0.4959% | 4,336 |
| Return on assets (ROA) | 0.4959% | 4,532 |
| Pretax return on assets | 0.8679% | 3,671 |
| Return on Equity (ROE) | 3.9629% | 4,801 |
| Retained earnings to average equity (ytd only) | 3.9629% | 3,692 |
| Net charge-offs to loans | 1.7613% | 1,105 |
| Credit loss provision to net charge-offs | 104.5387% | 4,100 |
| Earnings coverage of net charge-offs (x) | 1.6792% | 4,447 |
| Efficiency ratio | 55.6373% | 6,608 |
| Assets per employee ($millions) | 6.7387% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1528% | 732 |
| Loan loss allowance to noncurrent loans | 69.3990% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 4.1529% | 1,655 |
| Noncurrent loans to loans | 4.5430% | 1,584 |
| Net loans and leases to total assets | 75.4113% | 1,512 |
| Net loans and leases to deposits | 87.4918% | 2,080 |
| Net loans and leases to core deposits | 91.2022% | 2,921 |
| Total domestic deposits to total assets | 84.6843% | 3,779 |
| Equity capital to assets | 12.8190% | 1,669 |
| Core capital (leverage) ratio | 9.6918% | 3,629 |
| Tier 1 risk-based capital ratio | 11.8248% | 5,615 |
| Total risk-based capital ratio | 13.1005% | 5,567 |
| Memoranda: | ||
| Average total assets | $11,186,066,500 | 96 |
| Average earning assets | $9,570,149,750 | 100 |
| Average equity | $1,399,640,750 | 88 |
| Average total loans | $8,696,102,250 | 84 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3657% | 3,127 |
| Cost of funding earning assets | 0.4909% | 7,556 |
| Net interest margin | 4.8748% | 566 |
| Noninterest income to average assets | 0.9464% | 1,525 |
| Noninterest expense to average assets | 2.8157% | 4,419 |
| Loan and lease loss provision to assets | 1.4706% | 906 |
| Net operating income to assets | 0.4318% | 4,616 |
| Return on assets (ROA) | 0.4318% | 4,775 |
| Pretax return on assets | 0.8055% | 3,858 |
| Return on Equity (ROE) | 3.4787% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.4787% | 3,889 |
| Net charge-offs to loans | 1.6378% | 1,156 |
| Credit loss provision to net charge-offs | 115.5617% | 3,511 |
| Earnings coverage of net charge-offs (x) | 1.7886% | 4,177 |
| Efficiency ratio | 54.3673% | 6,836 |
| Assets per employee ($millions) | 6.7579% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9994% | 820 |
| Loan loss allowance to noncurrent loans | 58.3935% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 4.6659% | 1,396 |
| Noncurrent loans to loans | 5.1365% | 1,333 |
| Net loans and leases to total assets | 73.8221% | 1,945 |
| Net loans and leases to deposits | 85.3834% | 2,615 |
| Net loans and leases to core deposits | 91.5575% | 3,049 |
| Total domestic deposits to total assets | 82.7806% | 4,657 |
| Equity capital to assets | 12.5716% | 1,757 |
| Core capital (leverage) ratio | 9.5732% | 3,712 |
| Tier 1 risk-based capital ratio | 11.4596% | 5,808 |
| Total risk-based capital ratio | 12.7324% | 5,758 |
| Memoranda: | ||
| Average total assets | $11,224,219,670 | 95 |
| Average earning assets | $9,544,801,330 | 99 |
| Average equity | $1,393,099,670 | 87 |
| Average total loans | $8,721,120,670 | 81 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2392% | 3,835 |
| Cost of funding earning assets | 0.4783% | 7,704 |
| Net interest margin | 4.7610% | 688 |
| Noninterest income to average assets | 0.9247% | 1,536 |
| Noninterest expense to average assets | 2.6669% | 5,073 |
| Loan and lease loss provision to assets | 1.4902% | 784 |
| Net operating income to assets | 0.3525% | 5,069 |
| Return on assets (ROA) | 0.3525% | 5,188 |
| Pretax return on assets | 0.8008% | 3,858 |
| Return on Equity (ROE) | 2.8585% | 5,400 |
| Retained earnings to average equity (ytd only) | 2.8585% | 4,411 |
| Net charge-offs to loans | 1.6327% | 1,067 |
| Credit loss provision to net charge-offs | 116.2814% | 2,999 |
| Earnings coverage of net charge-offs (x) | 1.7877% | 3,663 |
| Efficiency ratio | 52.8309% | 7,068 |
| Assets per employee ($millions) | 6.8164% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7749% | 1,013 |
| Loan loss allowance to noncurrent loans | 44.5571% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 5.6003% | 1,095 |
| Noncurrent loans to loans | 6.2278% | 1,033 |
| Net loans and leases to total assets | 75.2072% | 1,696 |
| Net loans and leases to deposits | 86.7559% | 2,462 |
| Net loans and leases to core deposits | 93.3312% | 2,930 |
| Total domestic deposits to total assets | 83.0221% | 4,616 |
| Equity capital to assets | 12.3842% | 1,819 |
| Core capital (leverage) ratio | 9.4585% | 3,834 |
| Tier 1 risk-based capital ratio | 11.1118% | 6,046 |
| Total risk-based capital ratio | 12.3822% | 5,993 |
| Memoranda: | ||
| Average total assets | $11,247,513,000 | 94 |
| Average earning assets | $9,528,045,500 | 98 |
| Average equity | $1,387,045,000 | 86 |
| Average total loans | $8,828,323,000 | 80 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8447% | 2,464 |
| Cost of funding earning assets | 0.8064% | 7,542 |
| Net interest margin | 5.0383% | 412 |
| Noninterest income to average assets | 2.7831% | 243 |
| Noninterest expense to average assets | 2.6923% | 5,425 |
| Loan and lease loss provision to assets | 2.3363% | 871 |
| Net operating income to assets | 1.4304% | 802 |
| Return on assets (ROA) | -0.4660% | 6,140 |
| Pretax return on assets | -0.8895% | 6,338 |
| Return on Equity (ROE) | -3.7573% | 6,090 |
| Retained earnings to average equity (ytd only) | -3.8245% | 5,843 |
| Net charge-offs to loans | 1.6690% | 1,514 |
| Credit loss provision to net charge-offs | 174.2363% | 2,418 |
| Earnings coverage of net charge-offs (x) | 3.2889% | 3,421 |
| Efficiency ratio | 37.2501% | 7,892 |
| Assets per employee ($millions) | 6.8087% | 861 |
| Cash dividends to net income (ytd only)* | -1.7877% | 7,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4928% | 1,236 |
| Loan loss allowance to noncurrent loans | 34.4436% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 6.4464% | 857 |
| Noncurrent loans to loans | 7.2374% | 749 |
| Net loans and leases to total assets | 77.6425% | 1,457 |
| Net loans and leases to deposits | 89.5197% | 2,295 |
| Net loans and leases to core deposits | 101.5429% | 3,842 |
| Total domestic deposits to total assets | 83.1000% | 4,483 |
| Equity capital to assets | 12.2799% | 1,863 |
| Core capital (leverage) ratio | 8.8085% | 4,759 |
| Tier 1 risk-based capital ratio | 10.2453% | 6,641 |
| Total risk-based capital ratio | 11.5120% | 6,598 |
| Memoranda: | ||
| Average total assets | $10,766,300,600 | 100 |
| Average earning assets | $9,229,620,800 | 102 |
| Average equity | $1,335,426,000 | 89 |
| Average total loans | $8,649,717,200 | 83 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8739% | 2,562 |
| Cost of funding earning assets | 0.8807% | 7,589 |
| Net interest margin | 4.9932% | 448 |
| Noninterest income to average assets | 3.2513% | 208 |
| Noninterest expense to average assets | 2.6369% | 5,573 |
| Loan and lease loss provision to assets | 2.4679% | 673 |
| Net operating income to assets | 1.7132% | 547 |
| Return on assets (ROA) | 0.2665% | 5,017 |
| Pretax return on assets | 0.3812% | 4,845 |
| Return on Equity (ROE) | 2.1428% | 5,114 |
| Retained earnings to average equity (ytd only) | 2.0525% | 4,177 |
| Net charge-offs to loans | 1.6357% | 1,241 |
| Credit loss provision to net charge-offs | 187.3615% | 2,433 |
| Earnings coverage of net charge-offs (x) | 3.7321% | 3,404 |
| Efficiency ratio | 34.3154% | 7,983 |
| Assets per employee ($millions) | 6.6614% | 912 |
| Cash dividends to net income (ytd only)* | 4.2162% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2555% | 1,343 |
| Loan loss allowance to noncurrent loans | 33.3486% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 6.6925% | 742 |
| Noncurrent loans to loans | 6.7634% | 832 |
| Net loans and leases to total assets | 79.8239% | 1,208 |
| Net loans and leases to deposits | 95.2628% | 1,674 |
| Net loans and leases to core deposits | 107.6226% | 3,515 |
| Total domestic deposits to total assets | 83.6935% | 3,863 |
| Equity capital to assets | 12.2336% | 2,104 |
| Core capital (leverage) ratio | 9.4524% | 3,973 |
| Tier 1 risk-based capital ratio | 9.9303% | 7,034 |
| Total risk-based capital ratio | 11.1918% | 6,986 |
| Memoranda: | ||
| Average total assets | $10,644,173,750 | 107 |
| Average earning assets | $9,169,378,000 | 108 |
| Average equity | $1,323,762,250 | 93 |
| Average total loans | $8,571,667,000 | 87 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8867% | 2,650 |
| Cost of funding earning assets | 0.9323% | 7,656 |
| Net interest margin | 4.9544% | 480 |
| Noninterest income to average assets | 1.4482% | 711 |
| Noninterest expense to average assets | 2.5598% | 5,902 |
| Loan and lease loss provision to assets | 1.7728% | 938 |
| Net operating income to assets | 0.8883% | 2,500 |
| Return on assets (ROA) | 0.6859% | 3,427 |
| Pretax return on assets | 1.1056% | 2,620 |
| Return on Equity (ROE) | 5.4830% | 3,871 |
| Retained earnings to average equity (ytd only) | 5.3455% | 2,326 |
| Net charge-offs to loans | 1.3660% | 1,371 |
| Credit loss provision to net charge-offs | 161.9845% | 2,838 |
| Earnings coverage of net charge-offs (x) | 2.9190% | 3,643 |
| Efficiency ratio | 43.7599% | 7,933 |
| Assets per employee ($millions) | 6.6795% | 897 |
| Cash dividends to net income (ytd only)* | 2.5085% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 2,081 |
| Loan loss allowance to noncurrent loans | 46.4830% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 4.4607% | 1,259 |
| Noncurrent loans to loans | 3.8455% | 1,769 |
| Net loans and leases to total assets | 80.8179% | 1,168 |
| Net loans and leases to deposits | 97.8036% | 1,549 |
| Net loans and leases to core deposits | 108.2320% | 3,579 |
| Total domestic deposits to total assets | 82.4772% | 4,493 |
| Equity capital to assets | 13.2335% | 1,585 |
| Core capital (leverage) ratio | 10.5170% | 2,798 |
| Tier 1 risk-based capital ratio | 9.5856% | 7,322 |
| Total risk-based capital ratio | 10.8385% | 7,273 |
| Memoranda: | ||
| Average total assets | $10,426,340,670 | 113 |
| Average earning assets | $9,062,302,670 | 114 |
| Average equity | $1,304,314,000 | 100 |
| Average total loans | $8,353,442,000 | 96 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8896% | 2,849 |
| Cost of funding earning assets | 0.9792% | 7,704 |
| Net interest margin | 4.9105% | 489 |
| Noninterest income to average assets | 0.8958% | 1,869 |
| Noninterest expense to average assets | 2.4441% | 6,045 |
| Loan and lease loss provision to assets | 1.3269% | 970 |
| Net operating income to assets | 0.8880% | 2,746 |
| Return on assets (ROA) | 0.6475% | 3,991 |
| Pretax return on assets | 1.0411% | 3,198 |
| Return on Equity (ROE) | 5.3278% | 4,320 |
| Retained earnings to average equity (ytd only) | 5.0463% | 3,097 |
| Net charge-offs to loans | 0.8397% | 1,553 |
| Credit loss provision to net charge-offs | 199.8851% | 2,232 |
| Earnings coverage of net charge-offs (x) | 4.1330% | 2,966 |
| Efficiency ratio | 46.3419% | 7,831 |
| Assets per employee ($millions) | 7.1656% | 722 |
| Cash dividends to net income (ytd only)* | 5.2839% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5337% | 2,796 |
| Loan loss allowance to noncurrent loans | 43.5458% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 3.1113% | 1,813 |
| Noncurrent loans to loans | 3.5221% | 1,806 |
| Net loans and leases to total assets | 79.2311% | 1,534 |
| Net loans and leases to deposits | 100.9158% | 1,290 |
| Net loans and leases to core deposits | 112.6277% | 3,154 |
| Total domestic deposits to total assets | 78.3519% | 5,906 |
| Equity capital to assets | 11.9492% | 2,293 |
| Core capital (leverage) ratio | 9.0521% | 4,619 |
| Tier 1 risk-based capital ratio | 8.0828% | 8,002 |
| Total risk-based capital ratio | 10.2533% | 7,821 |
| Memoranda: | ||
| Average total assets | $10,486,303,000 | 112 |
| Average earning assets | $9,165,328,000 | 112 |
| Average equity | $1,274,519,000 | 101 |
| Average total loans | $8,289,647,000 | 100 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3844% | 3,501 |
| Cost of funding earning assets | 1.7772% | 7,068 |
| Net interest margin | 4.6072% | 1,160 |
| Noninterest income to average assets | 0.7716% | 2,661 |
| Noninterest expense to average assets | 2.3065% | 6,680 |
| Loan and lease loss provision to assets | 0.8079% | 1,837 |
| Net operating income to assets | 1.1582% | 1,917 |
| Return on assets (ROA) | 0.3766% | 5,056 |
| Pretax return on assets | 0.5555% | 4,837 |
| Return on Equity (ROE) | 3.4984% | 5,038 |
| Retained earnings to average equity (ytd only) | 1.2352% | 4,483 |
| Net charge-offs to loans | 0.7844% | 1,589 |
| Credit loss provision to net charge-offs | 134.0899% | 3,967 |
| Earnings coverage of net charge-offs (x) | 4.1707% | 4,078 |
| Efficiency ratio | 47.0292% | 7,872 |
| Assets per employee ($millions) | 6.8829% | 746 |
| Cash dividends to net income (ytd only)* | 64.6931% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 2,798 |
| Loan loss allowance to noncurrent loans | 81.6442% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.5216% | 3,173 |
| Noncurrent loans to loans | 1.8097% | 3,047 |
| Net loans and leases to total assets | 76.3984% | 2,522 |
| Net loans and leases to deposits | 97.3189% | 2,228 |
| Net loans and leases to core deposits | 107.9024% | 3,979 |
| Total domestic deposits to total assets | 78.4361% | 5,571 |
| Equity capital to assets | 12.3728% | 2,075 |
| Core capital (leverage) ratio | 8.7684% | 5,084 |
| Tier 1 risk-based capital ratio | 8.3261% | 8,025 |
| Total risk-based capital ratio | 11.0503% | 6,849 |
| Memoranda: | ||
| Average total assets | $10,259,939,000 | 112 |
| Average earning assets | $9,013,808,000 | 110 |
| Average equity | $1,104,605,000 | 108 |
| Average total loans | $7,880,222,600 | 101 |