Home > First Niagara Bank > Performance and Condition Ratios
First Niagara Bank, Performance and Condition Ratios
| 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 | 0.7262% | 5,962 |
| Cost of funding earning assets | 0.0430% | 5,918 |
| Net interest margin | 0.6833% | 5,960 |
| Noninterest income to average assets | 0.1712% | 5,414 |
| Noninterest expense to average assets | 0.7428% | 5,950 |
| Loan and lease loss provision to assets | 0.0603% | 3,048 |
| Net operating income to assets | 0.0009% | 5,717 |
| Return on assets (ROA) | -0.0118% | 5,745 |
| Pretax return on assets | -0.0384% | 5,747 |
| Return on Equity (ROE) | -0.1017% | 5,746 |
| Retained earnings to average equity (ytd only) | -0.1017% | 5,373 |
| Net charge-offs to loans | 0.0135% | 3,479 |
| Credit loss provision to net charge-offs | 710.9143% | 553 |
| Earnings coverage of net charge-offs (x) | 4.9168% | 3,199 |
| Efficiency ratio | 91.9039% | 464 |
| Assets per employee ($millions) | 6.7651% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0645% | 5,922 |
| Loan loss allowance to noncurrent loans | 5.3082% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 2,305 |
| Noncurrent loans to loans | 1.2152% | 1,845 |
| Net loans and leases to total assets | 69.7950% | 2,522 |
| Net loans and leases to deposits | 84.0318% | 2,479 |
| Net loans and leases to core deposits | 89.2848% | 2,646 |
| Total domestic deposits to total assets | 83.0579% | 3,567 |
| Equity capital to assets | 13.4596% | 1,265 |
| Core capital (leverage) ratio | 8.4677% | 5,388 |
| Tier 1 risk-based capital ratio | 11.1116% | 5,310 |
| Total risk-based capital ratio | 11.2646% | 5,747 |
| Memoranda: | ||
| Average total assets | $38,182,463,500 | 48 |
| Average earning assets | $34,266,868,750 | 49 |
| Average equity | $4,434,629,750 | 46 |
| Average total loans | $23,917,963,000 | 47 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4286% | 5,022 |
| Cost of funding earning assets | 0.3403% | 3,679 |
| Net interest margin | 3.0883% | 4,861 |
| Noninterest income to average assets | 0.7829% | 1,795 |
| Noninterest expense to average assets | 2.4724% | 4,111 |
| Loan and lease loss provision to assets | 0.1747% | 1,259 |
| Net operating income to assets | 0.6517% | 4,035 |
| Return on assets (ROA) | 0.6216% | 4,309 |
| Pretax return on assets | 0.8823% | 4,019 |
| Return on Equity (ROE) | 5.5966% | 4,249 |
| Retained earnings to average equity (ytd only) | 1.7640% | 4,675 |
| Net charge-offs to loans | 0.1988% | 1,150 |
| Credit loss provision to net charge-offs | 144.8796% | 1,633 |
| Earnings coverage of net charge-offs (x) | 9.1205% | 2,448 |
| Efficiency ratio | 68.2154% | 3,295 |
| Assets per employee ($millions) | 7.5987% | 675 |
| Cash dividends to net income (ytd only)* | 68.4810% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 4,307 |
| Loan loss allowance to noncurrent loans | 91.9125% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 2,778 |
| Noncurrent loans to loans | 1.1281% | 2,042 |
| Net loans and leases to total assets | 60.4362% | 3,824 |
| Net loans and leases to deposits | 81.9432% | 2,715 |
| Net loans and leases to core deposits | 87.3470% | 2,789 |
| Total domestic deposits to total assets | 73.7537% | 5,545 |
| Equity capital to assets | 11.2215% | 2,826 |
| Core capital (leverage) ratio | 7.9997% | 5,731 |
| Tier 1 risk-based capital ratio | 10.8618% | 5,501 |
| Total risk-based capital ratio | 11.8003% | 5,563 |
| Memoranda: | ||
| Average total assets | $39,934,682,000 | 46 |
| Average earning assets | $36,070,010,000 | 46 |
| Average equity | $4,435,607,670 | 46 |
| Average total loans | $24,225,482,330 | 45 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4397% | 5,029 |
| Cost of funding earning assets | 0.3248% | 3,902 |
| Net interest margin | 3.1149% | 4,818 |
| Noninterest income to average assets | 0.7564% | 1,794 |
| Noninterest expense to average assets | 2.4840% | 4,117 |
| Loan and lease loss provision to assets | 0.2255% | 829 |
| Net operating income to assets | 0.5915% | 4,221 |
| Return on assets (ROA) | 0.6151% | 4,228 |
| Pretax return on assets | 0.8959% | 3,856 |
| Return on Equity (ROE) | 5.5669% | 4,193 |
| Retained earnings to average equity (ytd only) | 1.9412% | 4,479 |
| Net charge-offs to loans | 0.1947% | 1,013 |
| Credit loss provision to net charge-offs | 191.5695% | 1,113 |
| Earnings coverage of net charge-offs (x) | 9.2336% | 2,001 |
| Efficiency ratio | 68.4747% | 3,380 |
| Assets per employee ($millions) | 7.5183% | 697 |
| Cash dividends to net income (ytd only)* | 65.1296% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 4,364 |
| Loan loss allowance to noncurrent loans | 90.6798% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.7380% | 2,865 |
| Noncurrent loans to loans | 1.1517% | 2,102 |
| Net loans and leases to total assets | 59.8644% | 3,793 |
| Net loans and leases to deposits | 79.6931% | 2,838 |
| Net loans and leases to core deposits | 85.1464% | 2,831 |
| Total domestic deposits to total assets | 75.1186% | 5,511 |
| Equity capital to assets | 11.0660% | 2,868 |
| Core capital (leverage) ratio | 8.0047% | 5,771 |
| Tier 1 risk-based capital ratio | 10.7349% | 5,648 |
| Total risk-based capital ratio | 11.6701% | 5,707 |
| Memoranda: | ||
| Average total assets | $39,936,344,500 | 46 |
| Average earning assets | $36,088,012,500 | 45 |
| Average equity | $4,412,956,500 | 46 |
| Average total loans | $24,145,311,500 | 45 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4083% | 5,139 |
| Cost of funding earning assets | 0.2676% | 4,616 |
| Net interest margin | 3.1407% | 4,806 |
| Noninterest income to average assets | 0.8406% | 1,639 |
| Noninterest expense to average assets | 2.5220% | 4,156 |
| Loan and lease loss provision to assets | 0.1950% | 1,121 |
| Net operating income to assets | 0.6897% | 3,865 |
| Return on assets (ROA) | 0.7046% | 3,893 |
| Pretax return on assets | 0.9814% | 3,538 |
| Return on Equity (ROE) | 6.2684% | 3,914 |
| Retained earnings to average equity (ytd only) | 3.9940% | 3,186 |
| Net charge-offs to loans | 0.2916% | 1,046 |
| Credit loss provision to net charge-offs | 111.3643% | 2,270 |
| Earnings coverage of net charge-offs (x) | 6.5983% | 3,199 |
| Efficiency ratio | 67.2368% | 3,707 |
| Assets per employee ($millions) | 7.3435% | 768 |
| Cash dividends to net income (ytd only)* | 36.2839% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 4,576 |
| Loan loss allowance to noncurrent loans | 86.0484% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 2,818 |
| Noncurrent loans to loans | 1.1679% | 2,027 |
| Net loans and leases to total assets | 59.8155% | 3,862 |
| Net loans and leases to deposits | 81.6182% | 2,638 |
| Net loans and leases to core deposits | 86.1067% | 2,788 |
| Total domestic deposits to total assets | 73.2870% | 5,704 |
| Equity capital to assets | 11.0338% | 2,787 |
| Core capital (leverage) ratio | 8.0474% | 5,808 |
| Tier 1 risk-based capital ratio | 10.6539% | 5,700 |
| Total risk-based capital ratio | 11.5495% | 5,789 |
| Memoranda: | ||
| Average total assets | $39,113,947,600 | 45 |
| Average earning assets | $35,331,807,400 | 44 |
| Average equity | $4,396,732,200 | 44 |
| Average total loans | $23,495,499,800 | 40 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4077% | 5,188 |
| Cost of funding earning assets | 0.2624% | 4,755 |
| Net interest margin | 3.1453% | 4,829 |
| Noninterest income to average assets | 0.8294% | 1,690 |
| Noninterest expense to average assets | 2.5141% | 4,154 |
| Loan and lease loss provision to assets | 0.1846% | 1,119 |
| Net operating income to assets | 0.6987% | 3,906 |
| Return on assets (ROA) | 0.7114% | 3,957 |
| Pretax return on assets | 0.9894% | 3,651 |
| Return on Equity (ROE) | 6.2994% | 4,004 |
| Retained earnings to average equity (ytd only) | 4.9346% | 2,954 |
| Net charge-offs to loans | 0.2823% | 945 |
| Credit loss provision to net charge-offs | 108.9988% | 2,126 |
| Earnings coverage of net charge-offs (x) | 6.8283% | 2,993 |
| Efficiency ratio | 67.0695% | 3,694 |
| Assets per employee ($millions) | 7.2925% | 755 |
| Cash dividends to net income (ytd only)* | 21.6645% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 4,713 |
| Loan loss allowance to noncurrent loans | 85.0014% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7606% | 3,003 |
| Noncurrent loans to loans | 1.1840% | 2,161 |
| Net loans and leases to total assets | 59.6563% | 3,923 |
| Net loans and leases to deposits | 79.9909% | 2,886 |
| Net loans and leases to core deposits | 85.9861% | 2,854 |
| Total domestic deposits to total assets | 74.5789% | 5,655 |
| Equity capital to assets | 11.2201% | 2,780 |
| Core capital (leverage) ratio | 8.1218% | 5,830 |
| Tier 1 risk-based capital ratio | 10.6676% | 5,815 |
| Total risk-based capital ratio | 11.5554% | 5,886 |
| Memoranda: | ||
| Average total assets | $38,927,320,500 | 44 |
| Average earning assets | $35,161,932,750 | 43 |
| Average equity | $4,396,379,750 | 44 |
| Average total loans | $23,348,185,500 | 39 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4122% | 5,204 |
| Cost of funding earning assets | 0.2582% | 4,856 |
| Net interest margin | 3.1540% | 4,816 |
| Noninterest income to average assets | 0.8179% | 1,707 |
| Noninterest expense to average assets | 2.5368% | 4,112 |
| Loan and lease loss provision to assets | 0.1785% | 1,144 |
| Net operating income to assets | 0.6833% | 3,966 |
| Return on assets (ROA) | 0.6990% | 4,018 |
| Pretax return on assets | 0.9735% | 3,683 |
| Return on Equity (ROE) | 6.1753% | 4,053 |
| Retained earnings to average equity (ytd only) | 6.1753% | 2,136 |
| Net charge-offs to loans | 0.2865% | 917 |
| Credit loss provision to net charge-offs | 104.0545% | 1,996 |
| Earnings coverage of net charge-offs (x) | 6.5879% | 2,764 |
| Efficiency ratio | 67.5882% | 3,732 |
| Assets per employee ($millions) | 7.2720% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 4,846 |
| Loan loss allowance to noncurrent loans | 82.4399% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 3,058 |
| Noncurrent loans to loans | 1.2198% | 2,214 |
| Net loans and leases to total assets | 59.4599% | 3,910 |
| Net loans and leases to deposits | 80.0874% | 2,771 |
| Net loans and leases to core deposits | 86.2830% | 2,738 |
| Total domestic deposits to total assets | 74.2437% | 5,764 |
| Equity capital to assets | 11.2767% | 2,592 |
| Core capital (leverage) ratio | 8.0746% | 5,887 |
| Tier 1 risk-based capital ratio | 10.6601% | 5,856 |
| Total risk-based capital ratio | 11.5437% | 5,940 |
| Memoranda: | ||
| Average total assets | $38,783,880,000 | 43 |
| Average earning assets | $35,036,682,330 | 43 |
| Average equity | $4,389,855,000 | 45 |
| Average total loans | $23,224,913,330 | 39 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4137% | 5,169 |
| Cost of funding earning assets | 0.2509% | 5,013 |
| Net interest margin | 3.1628% | 4,745 |
| Noninterest income to average assets | 0.7617% | 1,857 |
| Noninterest expense to average assets | 2.5784% | 4,005 |
| Loan and lease loss provision to assets | 0.1465% | 1,384 |
| Net operating income to assets | 0.6284% | 4,153 |
| Return on assets (ROA) | 0.6434% | 4,189 |
| Pretax return on assets | 0.9146% | 3,837 |
| Return on Equity (ROE) | 5.6734% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.6734% | 2,673 |
| Net charge-offs to loans | 0.2989% | 796 |
| Credit loss provision to net charge-offs | 81.9829% | 1,812 |
| Earnings coverage of net charge-offs (x) | 5.8176% | 2,353 |
| Efficiency ratio | 69.4901% | 3,578 |
| Assets per employee ($millions) | 7.2999% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9977% | 5,045 |
| Loan loss allowance to noncurrent loans | 72.1155% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 0.8747% | 2,888 |
| Noncurrent loans to loans | 1.3834% | 2,075 |
| Net loans and leases to total assets | 59.0390% | 3,789 |
| Net loans and leases to deposits | 79.7487% | 2,585 |
| Net loans and leases to core deposits | 84.8768% | 2,672 |
| Total domestic deposits to total assets | 74.0313% | 5,901 |
| Equity capital to assets | 11.3289% | 2,618 |
| Core capital (leverage) ratio | 8.0291% | 5,928 |
| Tier 1 risk-based capital ratio | 10.6504% | 5,961 |
| Total risk-based capital ratio | 11.5263% | 6,034 |
| Memoranda: | ||
| Average total assets | $38,672,443,500 | 43 |
| Average earning assets | $34,924,625,500 | 44 |
| Average equity | $4,385,441,500 | 45 |
| Average total loans | $23,122,877,500 | 39 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5952% | 5,088 |
| Cost of funding earning assets | 0.2250% | 5,560 |
| Net interest margin | 3.3702% | 4,326 |
| Noninterest income to average assets | 0.7969% | 1,890 |
| Noninterest expense to average assets | 5.5306% | 225 |
| Loan and lease loss provision to assets | 0.2365% | 1,007 |
| Net operating income to assets | -1.7699% | 6,448 |
| Return on assets (ROA) | -1.7551% | 6,450 |
| Pretax return on assets | -1.9688% | 6,445 |
| Return on Equity (ROE) | -13.6122% | 6,402 |
| Retained earnings to average equity (ytd only) | -15.2409% | 6,388 |
| Net charge-offs to loans | 0.2598% | 1,661 |
| Credit loss provision to net charge-offs | 155.4440% | 1,562 |
| Earnings coverage of net charge-offs (x) | -11.4942% | 4,920 |
| Efficiency ratio | 67.9997% | 3,904 |
| Assets per employee ($millions) | 6.9089% | 885 |
| Cash dividends to net income (ytd only)* | -11.9652% | 6,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 4,830 |
| Loan loss allowance to noncurrent loans | 83.6620% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 0.8034% | 3,196 |
| Noncurrent loans to loans | 1.2498% | 2,363 |
| Net loans and leases to total assets | 59.3481% | 3,868 |
| Net loans and leases to deposits | 80.7851% | 2,624 |
| Net loans and leases to core deposits | 86.4612% | 2,647 |
| Total domestic deposits to total assets | 73.4642% | 5,982 |
| Equity capital to assets | 11.3572% | 2,551 |
| Core capital (leverage) ratio | 8.0111% | 5,998 |
| Tier 1 risk-based capital ratio | 10.4793% | 6,113 |
| Total risk-based capital ratio | 11.3825% | 6,172 |
| Memoranda: | ||
| Average total assets | $38,094,914,800 | 43 |
| Average earning assets | $33,739,180,200 | 43 |
| Average equity | $4,911,831,800 | 41 |
| Average total loans | $22,311,712,200 | 40 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 5,085 |
| Cost of funding earning assets | 0.2218% | 5,648 |
| Net interest margin | 3.4020% | 4,234 |
| Noninterest income to average assets | 0.7995% | 1,896 |
| Noninterest expense to average assets | 6.5776% | 151 |
| Loan and lease loss provision to assets | 0.2372% | 927 |
| Net operating income to assets | -2.6656% | 6,550 |
| Return on assets (ROA) | -2.6544% | 6,553 |
| Pretax return on assets | -3.0043% | 6,557 |
| Return on Equity (ROE) | -19.9838% | 6,509 |
| Retained earnings to average equity (ytd only) | -22.0973% | 6,505 |
| Net charge-offs to loans | 0.2744% | 1,431 |
| Credit loss provision to net charge-offs | 148.5029% | 1,596 |
| Earnings coverage of net charge-offs (x) | -17.4017% | 4,649 |
| Efficiency ratio | 69.6300% | 3,575 |
| Assets per employee ($millions) | 6.5717% | 986 |
| Cash dividends to net income (ytd only)* | -10.5761% | 6,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 5,146 |
| Loan loss allowance to noncurrent loans | 75.1063% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 0.8665% | 3,256 |
| Noncurrent loans to loans | 1.3509% | 2,385 |
| Net loans and leases to total assets | 59.5441% | 3,867 |
| Net loans and leases to deposits | 80.0309% | 2,685 |
| Net loans and leases to core deposits | 85.7839% | 2,685 |
| Total domestic deposits to total assets | 74.4014% | 5,981 |
| Equity capital to assets | 11.4556% | 2,524 |
| Core capital (leverage) ratio | 7.7698% | 6,181 |
| Tier 1 risk-based capital ratio | 10.3939% | 6,238 |
| Total risk-based capital ratio | 11.2825% | 6,303 |
| Memoranda: | ||
| Average total assets | $37,994,591,500 | 44 |
| Average earning assets | $33,485,714,500 | 44 |
| Average equity | $5,046,766,000 | 42 |
| Average total loans | $22,117,595,000 | 41 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6364% | 5,051 |
| Cost of funding earning assets | 0.2189% | 5,757 |
| Net interest margin | 3.4175% | 4,110 |
| Noninterest income to average assets | 0.8182% | 1,773 |
| Noninterest expense to average assets | 2.5474% | 4,425 |
| Loan and lease loss provision to assets | 0.2462% | 899 |
| Net operating income to assets | 0.8128% | 3,266 |
| Return on assets (ROA) | 0.8224% | 3,321 |
| Pretax return on assets | 1.0252% | 3,374 |
| Return on Equity (ROE) | 5.9207% | 4,198 |
| Retained earnings to average equity (ytd only) | 2.8913% | 4,362 |
| Net charge-offs to loans | 0.2974% | 1,353 |
| Credit loss provision to net charge-offs | 143.7876% | 1,497 |
| Earnings coverage of net charge-offs (x) | 7.3564% | 2,645 |
| Efficiency ratio | 64.9417% | 4,543 |
| Assets per employee ($millions) | 6.5655% | 979 |
| Cash dividends to net income (ytd only)* | 51.1659% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 5,359 |
| Loan loss allowance to noncurrent loans | 73.9738% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8469% | 3,433 |
| Noncurrent loans to loans | 1.3495% | 2,552 |
| Net loans and leases to total assets | 57.4817% | 4,055 |
| Net loans and leases to deposits | 79.2766% | 2,615 |
| Net loans and leases to core deposits | 84.6140% | 2,677 |
| Total domestic deposits to total assets | 72.5078% | 6,216 |
| Equity capital to assets | 13.8281% | 1,041 |
| Core capital (leverage) ratio | 7.7969% | 6,210 |
| Tier 1 risk-based capital ratio | 10.1801% | 6,339 |
| Total risk-based capital ratio | 11.0504% | 6,422 |
| Memoranda: | ||
| Average total assets | $38,024,337,330 | 45 |
| Average earning assets | $33,251,565,670 | 44 |
| Average equity | $5,281,595,000 | 42 |
| Average total loans | $21,889,545,000 | 41 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 4,993 |
| Cost of funding earning assets | 0.2173% | 5,869 |
| Net interest margin | 3.4370% | 3,952 |
| Noninterest income to average assets | 0.8070% | 1,719 |
| Noninterest expense to average assets | 2.5952% | 4,287 |
| Loan and lease loss provision to assets | 0.2585% | 824 |
| Net operating income to assets | 0.7423% | 3,468 |
| Return on assets (ROA) | 0.7429% | 3,547 |
| Pretax return on assets | 0.9569% | 3,486 |
| Return on Equity (ROE) | 5.3361% | 4,368 |
| Retained earnings to average equity (ytd only) | 2.2920% | 4,687 |
| Net charge-offs to loans | 0.3445% | 1,038 |
| Credit loss provision to net charge-offs | 130.9224% | 1,377 |
| Earnings coverage of net charge-offs (x) | 6.1511% | 2,267 |
| Efficiency ratio | 66.0308% | 4,521 |
| Assets per employee ($millions) | 6.5966% | 969 |
| Cash dividends to net income (ytd only)* | 57.0483% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 5,576 |
| Loan loss allowance to noncurrent loans | 73.6951% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 3,633 |
| Noncurrent loans to loans | 1.3394% | 2,799 |
| Net loans and leases to total assets | 56.8700% | 4,028 |
| Net loans and leases to deposits | 76.7793% | 2,715 |
| Net loans and leases to core deposits | 81.2431% | 2,821 |
| Total domestic deposits to total assets | 74.0694% | 6,236 |
| Equity capital to assets | 13.9059% | 948 |
| Core capital (leverage) ratio | 7.7401% | 6,252 |
| Tier 1 risk-based capital ratio | 10.2245% | 6,418 |
| Total risk-based capital ratio | 11.0838% | 6,488 |
| Memoranda: | ||
| Average total assets | $37,753,572,000 | 45 |
| Average earning assets | $32,983,957,000 | 44 |
| Average equity | $5,255,937,000 | 42 |
| Average total loans | $21,638,394,000 | 41 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 4,991 |
| Cost of funding earning assets | 0.2184% | 6,191 |
| Net interest margin | 3.5274% | 3,774 |
| Noninterest income to average assets | 0.9885% | 1,423 |
| Noninterest expense to average assets | 2.4728% | 4,853 |
| Loan and lease loss provision to assets | 0.2784% | 1,243 |
| Net operating income to assets | 0.9059% | 2,748 |
| Return on assets (ROA) | 0.9191% | 2,773 |
| Pretax return on assets | 1.3346% | 2,033 |
| Return on Equity (ROE) | 6.5763% | 3,785 |
| Retained earnings to average equity (ytd only) | 3.2053% | 3,954 |
| Net charge-offs to loans | 0.2741% | 2,329 |
| Credit loss provision to net charge-offs | 182.5307% | 1,261 |
| Earnings coverage of net charge-offs (x) | 10.4499% | 2,361 |
| Efficiency ratio | 58.1442% | 5,719 |
| Assets per employee ($millions) | 6.4709% | 995 |
| Cash dividends to net income (ytd only)* | 51.2597% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 5,686 |
| Loan loss allowance to noncurrent loans | 69.5901% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 3,722 |
| Noncurrent loans to loans | 1.3993% | 2,796 |
| Net loans and leases to total assets | 56.6347% | 4,236 |
| Net loans and leases to deposits | 78.3355% | 2,684 |
| Net loans and leases to core deposits | 82.3223% | 2,860 |
| Total domestic deposits to total assets | 72.2976% | 6,405 |
| Equity capital to assets | 13.9376% | 923 |
| Core capital (leverage) ratio | 7.7031% | 6,302 |
| Tier 1 risk-based capital ratio | 10.1523% | 6,473 |
| Total risk-based capital ratio | 10.9973% | 6,539 |
| Memoranda: | ||
| Average total assets | $37,142,925,600 | 43 |
| Average earning assets | $32,411,379,600 | 44 |
| Average equity | $5,191,363,600 | 41 |
| Average total loans | $20,670,058,600 | 42 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 5,091 |
| Cost of funding earning assets | 0.2178% | 6,306 |
| Net interest margin | 3.5098% | 3,838 |
| Noninterest income to average assets | 0.9949% | 1,471 |
| Noninterest expense to average assets | 2.4999% | 4,723 |
| Loan and lease loss provision to assets | 0.2585% | 1,373 |
| Net operating income to assets | 0.8905% | 2,881 |
| Return on assets (ROA) | 0.9069% | 2,906 |
| Pretax return on assets | 1.3222% | 2,247 |
| Return on Equity (ROE) | 6.4838% | 3,940 |
| Retained earnings to average equity (ytd only) | 3.2663% | 4,351 |
| Net charge-offs to loans | 0.2369% | 2,383 |
| Credit loss provision to net charge-offs | 197.4209% | 1,226 |
| Earnings coverage of net charge-offs (x) | 11.8916% | 2,193 |
| Efficiency ratio | 58.7211% | 5,599 |
| Assets per employee ($millions) | 6.4469% | 953 |
| Cash dividends to net income (ytd only)* | 49.6239% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 5,961 |
| Loan loss allowance to noncurrent loans | 63.5524% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 3,886 |
| Noncurrent loans to loans | 1.4713% | 2,962 |
| Net loans and leases to total assets | 56.2037% | 4,292 |
| Net loans and leases to deposits | 76.1884% | 2,939 |
| Net loans and leases to core deposits | 80.0125% | 3,131 |
| Total domestic deposits to total assets | 73.7693% | 6,385 |
| Equity capital to assets | 13.9015% | 992 |
| Core capital (leverage) ratio | 7.6149% | 6,401 |
| Tier 1 risk-based capital ratio | 10.0839% | 6,575 |
| Total risk-based capital ratio | 10.8944% | 6,647 |
| Memoranda: | ||
| Average total assets | $37,034,461,750 | 43 |
| Average earning assets | $32,309,525,500 | 44 |
| Average equity | $5,179,878,500 | 40 |
| Average total loans | $20,464,880,250 | 42 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6945% | 5,155 |
| Cost of funding earning assets | 0.2177% | 6,381 |
| Net interest margin | 3.4768% | 3,890 |
| Noninterest income to average assets | 1.0053% | 1,522 |
| Noninterest expense to average assets | 2.5244% | 4,649 |
| Loan and lease loss provision to assets | 0.2415% | 1,544 |
| Net operating income to assets | 0.8566% | 3,013 |
| Return on assets (ROA) | 0.8739% | 3,085 |
| Pretax return on assets | 1.2995% | 2,300 |
| Return on Equity (ROE) | 6.2356% | 4,031 |
| Retained earnings to average equity (ytd only) | 3.3384% | 4,190 |
| Net charge-offs to loans | 0.2315% | 2,338 |
| Credit loss provision to net charge-offs | 190.4843% | 1,247 |
| Earnings coverage of net charge-offs (x) | 11.9518% | 2,019 |
| Efficiency ratio | 59.1465% | 5,589 |
| Assets per employee ($millions) | 6.4200% | 942 |
| Cash dividends to net income (ytd only)* | 46.4624% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8891% | 6,165 |
| Loan loss allowance to noncurrent loans | 52.5240% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9647% | 3,847 |
| Noncurrent loans to loans | 1.6928% | 2,774 |
| Net loans and leases to total assets | 55.1952% | 4,420 |
| Net loans and leases to deposits | 74.0123% | 3,152 |
| Net loans and leases to core deposits | 77.8917% | 3,308 |
| Total domestic deposits to total assets | 74.5758% | 6,395 |
| Equity capital to assets | 13.9010% | 997 |
| Core capital (leverage) ratio | 7.5058% | 6,449 |
| Tier 1 risk-based capital ratio | 10.0813% | 6,614 |
| Total risk-based capital ratio | 10.8508% | 6,691 |
| Memoranda: | ||
| Average total assets | $36,941,086,670 | 43 |
| Average earning assets | $32,237,753,330 | 44 |
| Average equity | $5,177,408,670 | 40 |
| Average total loans | $20,229,801,330 | 42 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 5,205 |
| Cost of funding earning assets | 0.2232% | 6,456 |
| Net interest margin | 3.4660% | 3,836 |
| Noninterest income to average assets | 1.0260% | 1,410 |
| Noninterest expense to average assets | 2.5580% | 4,538 |
| Loan and lease loss provision to assets | 0.2149% | 1,729 |
| Net operating income to assets | 0.8730% | 2,786 |
| Return on assets (ROA) | 0.8859% | 2,862 |
| Pretax return on assets | 1.2944% | 2,249 |
| Return on Equity (ROE) | 6.2953% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.3675% | 3,616 |
| Net charge-offs to loans | 0.2063% | 2,187 |
| Credit loss provision to net charge-offs | 191.8605% | 1,125 |
| Earnings coverage of net charge-offs (x) | 13.3078% | 1,539 |
| Efficiency ratio | 59.4021% | 5,667 |
| Assets per employee ($millions) | 6.2725% | 1,091 |
| Cash dividends to net income (ytd only)* | 30.6222% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 6,360 |
| Loan loss allowance to noncurrent loans | 49.8001% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 0.9666% | 4,000 |
| Noncurrent loans to loans | 1.7130% | 2,975 |
| Net loans and leases to total assets | 54.2464% | 4,366 |
| Net loans and leases to deposits | 70.7854% | 3,355 |
| Net loans and leases to core deposits | 74.2093% | 3,553 |
| Total domestic deposits to total assets | 76.6350% | 6,295 |
| Equity capital to assets | 14.1370% | 983 |
| Core capital (leverage) ratio | 7.4361% | 6,491 |
| Tier 1 risk-based capital ratio | 10.1525% | 6,664 |
| Total risk-based capital ratio | 10.8927% | 6,727 |
| Memoranda: | ||
| Average total assets | $36,861,011,000 | 43 |
| Average earning assets | $32,142,927,000 | 44 |
| Average equity | $5,187,395,000 | 40 |
| Average total loans | $20,013,789,000 | 42 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8301% | 5,757 |
| Cost of funding earning assets | 0.3625% | 6,145 |
| Net interest margin | 3.4676% | 4,639 |
| Noninterest income to average assets | 0.9756% | 1,612 |
| Noninterest expense to average assets | 2.9420% | 3,495 |
| Loan and lease loss provision to assets | 0.2585% | 2,583 |
| Net operating income to assets | 0.5595% | 4,431 |
| Return on assets (ROA) | 0.5981% | 4,509 |
| Pretax return on assets | 0.8627% | 4,060 |
| Return on Equity (ROE) | 4.2249% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.3222% | 3,886 |
| Net charge-offs to loans | 0.2631% | 3,359 |
| Credit loss provision to net charge-offs | 189.2513% | 1,382 |
| Earnings coverage of net charge-offs (x) | 7.7989% | 2,526 |
| Efficiency ratio | 70.1960% | 3,773 |
| Assets per employee ($millions) | 6.2209% | 1,154 |
| Cash dividends to net income (ytd only)* | 21.3665% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 6,452 |
| Loan loss allowance to noncurrent loans | 47.2047% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 0.9612% | 4,103 |
| Noncurrent loans to loans | 1.7331% | 3,012 |
| Net loans and leases to total assets | 53.4369% | 4,700 |
| Net loans and leases to deposits | 69.7009% | 3,750 |
| Net loans and leases to core deposits | 72.9200% | 3,926 |
| Total domestic deposits to total assets | 76.6660% | 6,265 |
| Equity capital to assets | 14.0087% | 1,044 |
| Core capital (leverage) ratio | 7.2863% | 6,593 |
| Tier 1 risk-based capital ratio | 10.0245% | 6,695 |
| Total risk-based capital ratio | 10.7411% | 6,795 |
| Memoranda: | ||
| Average total assets | $35,213,317,800 | 44 |
| Average earning assets | $30,786,614,200 | 44 |
| Average equity | $4,984,935,200 | 39 |
| Average total loans | $18,283,327,800 | 44 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9160% | 5,751 |
| Cost of funding earning assets | 0.4022% | 6,108 |
| Net interest margin | 3.5139% | 4,588 |
| Noninterest income to average assets | 0.9641% | 1,624 |
| Noninterest expense to average assets | 3.0710% | 2,972 |
| Loan and lease loss provision to assets | 0.2663% | 2,446 |
| Net operating income to assets | 0.4789% | 4,919 |
| Return on assets (ROA) | 0.5269% | 4,994 |
| Pretax return on assets | 0.7735% | 4,584 |
| Return on Equity (ROE) | 3.7115% | 5,400 |
| Retained earnings to average equity (ytd only) | 3.7115% | 4,274 |
| Net charge-offs to loans | 0.2919% | 2,982 |
| Credit loss provision to net charge-offs | 177.4711% | 1,568 |
| Earnings coverage of net charge-offs (x) | 6.4597% | 2,785 |
| Efficiency ratio | 73.0492% | 3,136 |
| Assets per employee ($millions) | 5.9530% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7799% | 6,640 |
| Loan loss allowance to noncurrent loans | 52.1138% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8276% | 4,634 |
| Noncurrent loans to loans | 1.4965% | 3,543 |
| Net loans and leases to total assets | 53.0855% | 4,897 |
| Net loans and leases to deposits | 67.4637% | 4,263 |
| Net loans and leases to core deposits | 70.2945% | 4,469 |
| Total domestic deposits to total assets | 78.6874% | 5,937 |
| Equity capital to assets | 14.3441% | 1,021 |
| Core capital (leverage) ratio | 7.3859% | 6,678 |
| Tier 1 risk-based capital ratio | 10.2807% | 6,732 |
| Total risk-based capital ratio | 10.9717% | 6,853 |
| Memoranda: | ||
| Average total assets | $34,798,827,250 | 45 |
| Average earning assets | $30,464,319,500 | 45 |
| Average equity | $4,939,868,500 | 40 |
| Average total loans | $17,887,813,750 | 45 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 5,874 |
| Cost of funding earning assets | 0.4653% | 5,869 |
| Net interest margin | 3.4496% | 4,883 |
| Noninterest income to average assets | 0.8641% | 1,915 |
| Noninterest expense to average assets | 3.1216% | 2,849 |
| Loan and lease loss provision to assets | 0.2772% | 2,371 |
| Net operating income to assets | 0.3305% | 5,497 |
| Return on assets (ROA) | 0.3972% | 5,457 |
| Pretax return on assets | 0.5954% | 5,152 |
| Return on Equity (ROE) | 2.8085% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.8085% | 4,756 |
| Net charge-offs to loans | 0.3336% | 2,689 |
| Credit loss provision to net charge-offs | 163.9729% | 1,697 |
| Earnings coverage of net charge-offs (x) | 4.5731% | 3,043 |
| Efficiency ratio | 77.6586% | 2,506 |
| Assets per employee ($millions) | 5.7450% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7342% | 6,785 |
| Loan loss allowance to noncurrent loans | 43.6462% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 0.9355% | 4,501 |
| Noncurrent loans to loans | 1.6822% | 3,372 |
| Net loans and leases to total assets | 53.4124% | 4,893 |
| Net loans and leases to deposits | 66.7149% | 4,413 |
| Net loans and leases to core deposits | 69.0303% | 4,668 |
| Total domestic deposits to total assets | 80.0607% | 5,723 |
| Equity capital to assets | 14.1151% | 1,045 |
| Core capital (leverage) ratio | 6.6294% | 6,899 |
| Tier 1 risk-based capital ratio | 9.8465% | 6,861 |
| Total risk-based capital ratio | 10.7928% | 6,911 |
| Memoranda: | ||
| Average total assets | $34,421,002,330 | 45 |
| Average earning assets | $30,239,687,330 | 45 |
| Average equity | $4,868,441,000 | 40 |
| Average total loans | $17,442,162,670 | 46 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 6,143 |
| Cost of funding earning assets | 0.5369% | 5,572 |
| Net interest margin | 3.3118% | 5,432 |
| Noninterest income to average assets | 0.8229% | 2,053 |
| Noninterest expense to average assets | 2.3198% | 5,720 |
| Loan and lease loss provision to assets | 0.2334% | 2,608 |
| Net operating income to assets | 0.7875% | 3,436 |
| Return on assets (ROA) | 0.7965% | 3,633 |
| Pretax return on assets | 1.2247% | 2,816 |
| Return on Equity (ROE) | 5.6258% | 4,484 |
| Retained earnings to average equity (ytd only) | 5.6258% | 3,181 |
| Net charge-offs to loans | 0.3169% | 2,377 |
| Credit loss provision to net charge-offs | 150.1434% | 1,665 |
| Earnings coverage of net charge-offs (x) | 9.2900% | 1,857 |
| Efficiency ratio | 59.4963% | 5,695 |
| Assets per employee ($millions) | 7.4607% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7503% | 6,815 |
| Loan loss allowance to noncurrent loans | 39.2071% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 0.9320% | 4,655 |
| Noncurrent loans to loans | 1.9136% | 3,268 |
| Net loans and leases to total assets | 47.2827% | 5,647 |
| Net loans and leases to deposits | 87.4724% | 1,232 |
| Net loans and leases to core deposits | 90.7025% | 1,782 |
| Total domestic deposits to total assets | 54.0544% | 7,229 |
| Equity capital to assets | 13.9929% | 1,027 |
| Core capital (leverage) ratio | 9.7613% | 3,696 |
| Tier 1 risk-based capital ratio | 14.7836% | 3,903 |
| Total risk-based capital ratio | 15.7507% | 4,067 |
| Memoranda: | ||
| Average total assets | $34,100,510,000 | 45 |
| Average earning assets | $30,285,153,000 | 45 |
| Average equity | $4,828,137,500 | 40 |
| Average total loans | $16,730,262,500 | 46 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3924% | 5,453 |
| Cost of funding earning assets | 0.6560% | 5,791 |
| Net interest margin | 3.7364% | 4,130 |
| Noninterest income to average assets | 0.8839% | 1,728 |
| Noninterest expense to average assets | 2.8764% | 4,055 |
| Loan and lease loss provision to assets | 0.1983% | 4,204 |
| Net operating income to assets | 0.7424% | 3,283 |
| Return on assets (ROA) | 0.7552% | 3,404 |
| Pretax return on assets | 1.1443% | 2,678 |
| Return on Equity (ROE) | 5.8242% | 3,956 |
| Retained earnings to average equity (ytd only) | 3.7152% | 3,564 |
| Net charge-offs to loans | 0.2101% | 4,475 |
| Credit loss provision to net charge-offs | 183.5308% | 1,404 |
| Earnings coverage of net charge-offs (x) | 12.2494% | 1,641 |
| Efficiency ratio | 65.9665% | 4,779 |
| Assets per employee ($millions) | 6.7828% | 825 |
| Cash dividends to net income (ytd only)* | 36.2105% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7249% | 6,868 |
| Loan loss allowance to noncurrent loans | 38.5070% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 0.9663% | 4,669 |
| Noncurrent loans to loans | 1.8826% | 3,362 |
| Net loans and leases to total assets | 50.2344% | 5,551 |
| Net loans and leases to deposits | 84.0826% | 1,913 |
| Net loans and leases to core deposits | 86.9193% | 2,512 |
| Total domestic deposits to total assets | 59.7442% | 7,229 |
| Equity capital to assets | 14.3380% | 954 |
| Core capital (leverage) ratio | 9.4532% | 4,106 |
| Tier 1 risk-based capital ratio | 14.7705% | 3,781 |
| Total risk-based capital ratio | 16.5732% | 3,392 |
| Memoranda: | ||
| Average total assets | $27,424,521,800 | 49 |
| Average earning assets | $24,337,309,200 | 47 |
| Average equity | $3,556,251,800 | 48 |
| Average total loans | $14,098,451,800 | 56 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 5,365 |
| Cost of funding earning assets | 0.6741% | 5,911 |
| Net interest margin | 3.7926% | 3,911 |
| Noninterest income to average assets | 0.9091% | 1,612 |
| Noninterest expense to average assets | 3.0198% | 3,484 |
| Loan and lease loss provision to assets | 0.2104% | 3,923 |
| Net operating income to assets | 0.7031% | 3,606 |
| Return on assets (ROA) | 0.7063% | 3,747 |
| Pretax return on assets | 1.0523% | 3,199 |
| Return on Equity (ROE) | 5.6338% | 4,216 |
| Retained earnings to average equity (ytd only) | 2.5774% | 4,824 |
| Net charge-offs to loans | 0.2353% | 3,951 |
| Credit loss provision to net charge-offs | 173.1190% | 1,728 |
| Earnings coverage of net charge-offs (x) | 10.3487% | 1,935 |
| Efficiency ratio | 68.0059% | 4,308 |
| Assets per employee ($millions) | 6.6106% | 895 |
| Cash dividends to net income (ytd only)* | 54.2507% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6856% | 6,986 |
| Loan loss allowance to noncurrent loans | 50.0759% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7530% | 5,275 |
| Noncurrent loans to loans | 1.3691% | 4,242 |
| Net loans and leases to total assets | 52.4329% | 5,394 |
| Net loans and leases to deposits | 81.3762% | 2,468 |
| Net loans and leases to core deposits | 84.6327% | 2,968 |
| Total domestic deposits to total assets | 64.4327% | 7,240 |
| Equity capital to assets | 12.8464% | 1,688 |
| Core capital (leverage) ratio | 7.1771% | 6,905 |
| Tier 1 risk-based capital ratio | 11.5075% | 6,237 |
| Total risk-based capital ratio | 12.1690% | 6,568 |
| Memoranda: | ||
| Average total assets | $26,095,540,750 | 50 |
| Average earning assets | $23,177,845,750 | 49 |
| Average equity | $3,271,736,750 | 50 |
| Average total loans | $13,481,296,500 | 58 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4957% | 5,369 |
| Cost of funding earning assets | 0.6576% | 6,187 |
| Net interest margin | 3.8382% | 3,594 |
| Noninterest income to average assets | 0.8907% | 1,672 |
| Noninterest expense to average assets | 3.1974% | 2,909 |
| Loan and lease loss provision to assets | 0.2240% | 3,676 |
| Net operating income to assets | 0.6086% | 4,021 |
| Return on assets (ROA) | 0.6087% | 4,149 |
| Pretax return on assets | 0.8852% | 3,682 |
| Return on Equity (ROE) | 4.9066% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.9066% | 3,055 |
| Net charge-offs to loans | 0.2508% | 3,625 |
| Credit loss provision to net charge-offs | 174.5228% | 1,727 |
| Earnings coverage of net charge-offs (x) | 8.6411% | 2,028 |
| Efficiency ratio | 71.6825% | 3,801 |
| Assets per employee ($millions) | 6.4838% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 7,070 |
| Loan loss allowance to noncurrent loans | 48.9003% | 5,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 5,405 |
| Noncurrent loans to loans | 1.3494% | 4,402 |
| Net loans and leases to total assets | 52.3084% | 5,530 |
| Net loans and leases to deposits | 83.4772% | 2,186 |
| Net loans and leases to core deposits | 87.1378% | 2,746 |
| Total domestic deposits to total assets | 62.6619% | 7,338 |
| Equity capital to assets | 12.9997% | 1,514 |
| Core capital (leverage) ratio | 7.5865% | 6,682 |
| Tier 1 risk-based capital ratio | 11.7251% | 5,991 |
| Total risk-based capital ratio | 12.3691% | 6,431 |
| Memoranda: | ||
| Average total assets | $24,410,971,000 | 55 |
| Average earning assets | $21,723,952,000 | 54 |
| Average equity | $3,028,468,330 | 53 |
| Average total loans | $12,493,331,000 | 65 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 5,560 |
| Cost of funding earning assets | 0.6428% | 6,414 |
| Net interest margin | 3.7953% | 3,642 |
| Noninterest income to average assets | 0.9360% | 1,521 |
| Noninterest expense to average assets | 2.6257% | 5,131 |
| Loan and lease loss provision to assets | 0.2432% | 3,237 |
| Net operating income to assets | 0.9783% | 2,254 |
| Return on assets (ROA) | 0.9786% | 2,313 |
| Pretax return on assets | 1.4544% | 1,586 |
| Return on Equity (ROE) | 8.1721% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.1721% | 1,671 |
| Net charge-offs to loans | 0.3059% | 2,822 |
| Credit loss provision to net charge-offs | 158.7106% | 1,809 |
| Earnings coverage of net charge-offs (x) | 11.0742% | 1,582 |
| Efficiency ratio | 58.3450% | 6,227 |
| Assets per employee ($millions) | 5.6075% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 6,613 |
| Loan loss allowance to noncurrent loans | 69.8667% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 5,532 |
| Noncurrent loans to loans | 1.3346% | 4,475 |
| Net loans and leases to total assets | 49.7144% | 5,890 |
| Net loans and leases to deposits | 78.4959% | 2,978 |
| Net loans and leases to core deposits | 82.7723% | 3,341 |
| Total domestic deposits to total assets | 63.3337% | 7,378 |
| Equity capital to assets | 11.9833% | 1,927 |
| Core capital (leverage) ratio | 6.9238% | 7,037 |
| Tier 1 risk-based capital ratio | 11.2330% | 6,324 |
| Total risk-based capital ratio | 12.0521% | 6,617 |
| Memoranda: | ||
| Average total assets | $21,214,200,000 | 59 |
| Average earning assets | $18,930,992,500 | 60 |
| Average equity | $2,540,460,500 | 58 |
| Average total loans | $10,629,809,000 | 73 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 6,428 |
| Cost of funding earning assets | 0.7522% | 6,726 |
| Net interest margin | 3.7364% | 4,201 |
| Noninterest income to average assets | 0.9447% | 1,682 |
| Noninterest expense to average assets | 2.7311% | 4,848 |
| Loan and lease loss provision to assets | 0.2589% | 4,717 |
| Net operating income to assets | 0.8447% | 2,614 |
| Return on assets (ROA) | 0.8433% | 2,755 |
| Pretax return on assets | 1.2820% | 1,982 |
| Return on Equity (ROE) | 6.7509% | 3,236 |
| Retained earnings to average equity (ytd only) | 4.1940% | 2,909 |
| Net charge-offs to loans | 0.4578% | 3,788 |
| Credit loss provision to net charge-offs | 116.9577% | 3,662 |
| Earnings coverage of net charge-offs (x) | 6.9714% | 2,231 |
| Efficiency ratio | 61.4751% | 5,815 |
| Assets per employee ($millions) | 5.5473% | 1,533 |
| Cash dividends to net income (ytd only)* | 37.8742% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 6,709 |
| Loan loss allowance to noncurrent loans | 64.6819% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 5,519 |
| Noncurrent loans to loans | 1.4011% | 4,383 |
| Net loans and leases to total assets | 49.5770% | 6,200 |
| Net loans and leases to deposits | 78.7338% | 3,379 |
| Net loans and leases to core deposits | 82.4301% | 3,835 |
| Total domestic deposits to total assets | 62.9679% | 7,465 |
| Equity capital to assets | 11.9671% | 1,939 |
| Core capital (leverage) ratio | 6.6465% | 7,160 |
| Tier 1 risk-based capital ratio | 11.0670% | 6,281 |
| Total risk-based capital ratio | 11.8755% | 6,588 |
| Memoranda: | ||
| Average total assets | $18,785,759,600 | 62 |
| Average earning assets | $16,739,674,000 | 63 |
| Average equity | $2,346,649,000 | 58 |
| Average total loans | $9,083,390,000 | 82 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 6,665 |
| Cost of funding earning assets | 0.7697% | 6,843 |
| Net interest margin | 3.7023% | 4,386 |
| Noninterest income to average assets | 0.9247% | 1,713 |
| Noninterest expense to average assets | 2.7554% | 4,662 |
| Loan and lease loss provision to assets | 0.2570% | 4,525 |
| Net operating income to assets | 0.7884% | 3,053 |
| Return on assets (ROA) | 0.7889% | 3,216 |
| Pretax return on assets | 1.2112% | 2,448 |
| Return on Equity (ROE) | 6.2395% | 3,710 |
| Retained earnings to average equity (ytd only) | 6.2395% | 2,239 |
| Net charge-offs to loans | 0.4417% | 3,535 |
| Credit loss provision to net charge-offs | 121.5521% | 3,384 |
| Earnings coverage of net charge-offs (x) | 6.9407% | 2,419 |
| Efficiency ratio | 62.8208% | 5,463 |
| Assets per employee ($millions) | 5.5906% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9338% | 6,635 |
| Loan loss allowance to noncurrent loans | 62.6471% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 5,573 |
| Noncurrent loans to loans | 1.4905% | 4,402 |
| Net loans and leases to total assets | 48.1589% | 6,506 |
| Net loans and leases to deposits | 74.0679% | 4,500 |
| Net loans and leases to core deposits | 77.5852% | 4,854 |
| Total domestic deposits to total assets | 65.0199% | 7,493 |
| Equity capital to assets | 12.4095% | 1,903 |
| Core capital (leverage) ratio | 6.9808% | 7,177 |
| Tier 1 risk-based capital ratio | 11.8920% | 5,558 |
| Total risk-based capital ratio | 12.7371% | 5,933 |
| Memoranda: | ||
| Average total assets | $18,224,699,750 | 63 |
| Average earning assets | $16,235,828,000 | 66 |
| Average equity | $2,304,139,500 | 58 |
| Average total loans | $8,723,887,000 | 83 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 6,846 |
| Cost of funding earning assets | 0.7753% | 6,989 |
| Net interest margin | 3.6497% | 4,581 |
| Noninterest income to average assets | 0.9143% | 1,642 |
| Noninterest expense to average assets | 2.8414% | 4,308 |
| Loan and lease loss provision to assets | 0.2780% | 4,173 |
| Net operating income to assets | 0.6613% | 3,576 |
| Return on assets (ROA) | 0.6618% | 3,725 |
| Pretax return on assets | 1.0476% | 2,948 |
| Return on Equity (ROE) | 5.1965% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.1965% | 2,781 |
| Net charge-offs to loans | 0.5335% | 2,930 |
| Credit loss provision to net charge-offs | 109.5619% | 3,720 |
| Earnings coverage of net charge-offs (x) | 5.2201% | 2,719 |
| Efficiency ratio | 65.8361% | 5,011 |
| Assets per employee ($millions) | 5.4616% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 6,758 |
| Loan loss allowance to noncurrent loans | 73.7677% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 5,886 |
| Noncurrent loans to loans | 1.2206% | 4,925 |
| Net loans and leases to total assets | 48.6105% | 6,582 |
| Net loans and leases to deposits | 71.6855% | 5,042 |
| Net loans and leases to core deposits | 75.1471% | 5,303 |
| Total domestic deposits to total assets | 67.8108% | 7,436 |
| Equity capital to assets | 12.3116% | 1,922 |
| Core capital (leverage) ratio | 7.1033% | 7,125 |
| Tier 1 risk-based capital ratio | 11.5975% | 5,674 |
| Total risk-based capital ratio | 12.4165% | 6,064 |
| Memoranda: | ||
| Average total assets | $17,357,957,670 | 66 |
| Average earning assets | $15,465,439,670 | 68 |
| Average equity | $2,210,764,000 | 59 |
| Average total loans | $8,257,320,000 | 82 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 6,848 |
| Cost of funding earning assets | 0.7858% | 7,133 |
| Net interest margin | 3.6855% | 4,327 |
| Noninterest income to average assets | 0.9729% | 1,384 |
| Noninterest expense to average assets | 2.4753% | 5,825 |
| Loan and lease loss provision to assets | 0.3583% | 3,226 |
| Net operating income to assets | 0.8981% | 2,549 |
| Return on assets (ROA) | 0.8993% | 2,620 |
| Pretax return on assets | 1.4076% | 1,753 |
| Return on Equity (ROE) | 6.6732% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.6732% | 2,290 |
| Net charge-offs to loans | 0.6487% | 2,203 |
| Credit loss provision to net charge-offs | 109.9288% | 3,134 |
| Earnings coverage of net charge-offs (x) | 5.4116% | 2,405 |
| Efficiency ratio | 56.2990% | 6,727 |
| Assets per employee ($millions) | 5.0112% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 5,461 |
| Loan loss allowance to noncurrent loans | 114.8460% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 6,076 |
| Noncurrent loans to loans | 1.0522% | 5,238 |
| Net loans and leases to total assets | 49.2203% | 6,555 |
| Net loans and leases to deposits | 74.1229% | 4,717 |
| Net loans and leases to core deposits | 76.2124% | 5,229 |
| Total domestic deposits to total assets | 66.4037% | 7,602 |
| Equity capital to assets | 13.4903% | 1,331 |
| Core capital (leverage) ratio | 7.5477% | 6,804 |
| Tier 1 risk-based capital ratio | 13.0821% | 4,273 |
| Total risk-based capital ratio | 14.1995% | 4,347 |
| Memoranda: | ||
| Average total assets | $14,657,673,000 | 72 |
| Average earning assets | $12,991,097,500 | 72 |
| Average equity | $1,975,242,500 | 63 |
| Average total loans | $7,365,433,500 | 92 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 6,962 |
| Cost of funding earning assets | 1.1792% | 6,735 |
| Net interest margin | 3.6151% | 4,498 |
| Noninterest income to average assets | 1.0287% | 1,472 |
| Noninterest expense to average assets | 2.6838% | 5,465 |
| Loan and lease loss provision to assets | 0.3717% | 4,556 |
| Net operating income to assets | 0.7495% | 2,724 |
| Return on assets (ROA) | 0.7501% | 2,812 |
| Pretax return on assets | 1.1395% | 2,126 |
| Return on Equity (ROE) | 5.3235% | 3,520 |
| Retained earnings to average equity (ytd only) | 5.3235% | 1,667 |
| Net charge-offs to loans | 0.4888% | 3,817 |
| Credit loss provision to net charge-offs | 131.7139% | 3,831 |
| Earnings coverage of net charge-offs (x) | 5.3490% | 2,625 |
| Efficiency ratio | 62.0920% | 6,138 |
| Assets per employee ($millions) | 5.1322% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 5,321 |
| Loan loss allowance to noncurrent loans | 128.7948% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5232% | 6,144 |
| Noncurrent loans to loans | 0.9359% | 5,442 |
| Net loans and leases to total assets | 50.0781% | 6,630 |
| Net loans and leases to deposits | 73.9211% | 5,051 |
| Net loans and leases to core deposits | 80.5596% | 6,033 |
| Total domestic deposits to total assets | 67.7453% | 7,565 |
| Equity capital to assets | 13.4609% | 1,339 |
| Core capital (leverage) ratio | 7.4848% | 6,801 |
| Tier 1 risk-based capital ratio | 12.6278% | 4,419 |
| Total risk-based capital ratio | 13.7320% | 4,484 |
| Memoranda: | ||
| Average total assets | $11,744,278,000 | 91 |
| Average earning assets | $10,280,449,800 | 94 |
| Average equity | $1,654,728,800 | 71 |
| Average total loans | $6,779,686,400 | 101 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7849% | 7,148 |
| Cost of funding earning assets | 1.2833% | 6,611 |
| Net interest margin | 3.5017% | 4,859 |
| Noninterest income to average assets | 1.0376% | 1,472 |
| Noninterest expense to average assets | 2.7065% | 5,295 |
| Loan and lease loss provision to assets | 0.3933% | 3,953 |
| Net operating income to assets | 0.6497% | 3,406 |
| Return on assets (ROA) | 0.6551% | 3,441 |
| Pretax return on assets | 1.0051% | 2,889 |
| Return on Equity (ROE) | 4.5830% | 4,123 |
| Retained earnings to average equity (ytd only) | 4.5830% | 2,713 |
| Net charge-offs to loans | 0.5492% | 3,035 |
| Credit loss provision to net charge-offs | 119.3086% | 4,250 |
| Earnings coverage of net charge-offs (x) | 4.2133% | 3,213 |
| Efficiency ratio | 64.3174% | 5,687 |
| Assets per employee ($millions) | 5.2587% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 5,404 |
| Loan loss allowance to noncurrent loans | 124.3556% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 6,111 |
| Noncurrent loans to loans | 0.9264% | 5,440 |
| Net loans and leases to total assets | 50.7318% | 6,717 |
| Net loans and leases to deposits | 71.2573% | 5,766 |
| Net loans and leases to core deposits | 78.2397% | 6,466 |
| Total domestic deposits to total assets | 71.1952% | 7,315 |
| Equity capital to assets | 12.9969% | 1,698 |
| Core capital (leverage) ratio | 6.6658% | 7,603 |
| Tier 1 risk-based capital ratio | 10.9196% | 6,029 |
| Total risk-based capital ratio | 11.9601% | 6,211 |
| Memoranda: | ||
| Average total assets | $11,067,290,000 | 102 |
| Average earning assets | $9,664,924,750 | 104 |
| Average equity | $1,582,059,500 | 76 |
| Average total loans | $6,643,181,750 | 106 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 6,854 |
| Cost of funding earning assets | 1.4702% | 6,256 |
| Net interest margin | 3.5038% | 4,778 |
| Noninterest income to average assets | 1.0981% | 1,319 |
| Noninterest expense to average assets | 2.5301% | 6,016 |
| Loan and lease loss provision to assets | 0.3505% | 3,827 |
| Net operating income to assets | 0.8225% | 2,767 |
| Return on assets (ROA) | 0.8325% | 2,819 |
| Pretax return on assets | 1.2769% | 2,090 |
| Return on Equity (ROE) | 5.5880% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.5880% | 2,208 |
| Net charge-offs to loans | 0.3998% | 3,200 |
| Credit loss provision to net charge-offs | 136.8111% | 3,416 |
| Earnings coverage of net charge-offs (x) | 6.2880% | 2,650 |
| Efficiency ratio | 59.3083% | 6,648 |
| Assets per employee ($millions) | 5.6478% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 4,399 |
| Loan loss allowance to noncurrent loans | 157.8331% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5054% | 6,176 |
| Noncurrent loans to loans | 0.8105% | 5,604 |
| Net loans and leases to total assets | 55.4468% | 6,281 |
| Net loans and leases to deposits | 101.2750% | 1,144 |
| Net loans and leases to core deposits | 111.0090% | 3,252 |
| Total domestic deposits to total assets | 54.7487% | 8,020 |
| Equity capital to assets | 13.3067% | 1,558 |
| Core capital (leverage) ratio | 7.1292% | 7,430 |
| Tier 1 risk-based capital ratio | 11.0211% | 5,851 |
| Total risk-based capital ratio | 12.2130% | 5,853 |
| Memoranda: | ||
| Average total assets | $10,072,655,000 | 117 |
| Average earning assets | $8,747,128,000 | 117 |
| Average equity | $1,500,675,000 | 83 |
| Average total loans | $6,453,743,000 | 112 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2660% | 6,042 |
| Cost of funding earning assets | 1.6526% | 5,802 |
| Net interest margin | 3.6134% | 4,265 |
| Noninterest income to average assets | 1.1559% | 1,101 |
| Noninterest expense to average assets | 2.6143% | 5,392 |
| Loan and lease loss provision to assets | 0.3737% | 3,085 |
| Net operating income to assets | 0.8254% | 3,024 |
| Return on assets (ROA) | 0.8531% | 3,051 |
| Pretax return on assets | 1.3280% | 2,188 |
| Return on Equity (ROE) | 5.3741% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.3741% | 2,923 |
| Net charge-offs to loans | 0.4295% | 2,386 |
| Credit loss provision to net charge-offs | 126.2626% | 3,151 |
| Earnings coverage of net charge-offs (x) | 5.5983% | 2,645 |
| Efficiency ratio | 59.3142% | 6,504 |
| Assets per employee ($millions) | 4.8471% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2348% | 4,557 |
| Loan loss allowance to noncurrent loans | 153.3437% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 5,764 |
| Noncurrent loans to loans | 0.8052% | 5,422 |
| Net loans and leases to total assets | 67.0968% | 4,320 |
| Net loans and leases to deposits | 101.5673% | 1,219 |
| Net loans and leases to core deposits | 111.2689% | 3,287 |
| Total domestic deposits to total assets | 66.0613% | 7,729 |
| Equity capital to assets | 15.8439% | 901 |
| Core capital (leverage) ratio | 8.4849% | 5,573 |
| Tier 1 risk-based capital ratio | 11.5331% | 5,377 |
| Total risk-based capital ratio | 12.7757% | 5,279 |
| Memoranda: | ||
| Average total assets | $9,365,132,000 | 121 |
| Average earning assets | $8,074,365,000 | 126 |
| Average equity | $1,486,695,000 | 87 |
| Average total loans | $6,454,564,000 | 114 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8822% | 6,124 |
| Cost of funding earning assets | 2.2754% | 5,262 |
| Net interest margin | 3.6068% | 4,855 |
| Noninterest income to average assets | 1.2774% | 902 |
| Noninterest expense to average assets | 2.4921% | 6,038 |
| Loan and lease loss provision to assets | 0.2621% | 4,306 |
| Net operating income to assets | 1.0488% | 2,356 |
| Return on assets (ROA) | 1.0543% | 2,231 |
| Pretax return on assets | 1.6045% | 1,373 |
| Return on Equity (ROE) | 6.6699% | 3,683 |
| Retained earnings to average equity (ytd only) | 2.6382% | 3,543 |
| Net charge-offs to loans | 0.2842% | 3,506 |
| Credit loss provision to net charge-offs | 130.0230% | 4,088 |
| Earnings coverage of net charge-offs (x) | 9.2171% | 2,731 |
| Efficiency ratio | 54.9923% | 7,152 |
| Assets per employee ($millions) | 4.8400% | 2,128 |
| Cash dividends to net income (ytd only)* | 60.4456% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 4,501 |
| Loan loss allowance to noncurrent loans | 167.5959% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5240% | 5,610 |
| Noncurrent loans to loans | 0.7184% | 5,237 |
| Net loans and leases to total assets | 69.0917% | 4,233 |
| Net loans and leases to deposits | 105.4967% | 1,167 |
| Net loans and leases to core deposits | 114.9542% | 3,240 |
| Total domestic deposits to total assets | 65.4918% | 7,689 |
| Equity capital to assets | 15.9065% | 957 |
| Core capital (leverage) ratio | 8.4670% | 5,628 |
| Tier 1 risk-based capital ratio | 11.4775% | 5,259 |
| Total risk-based capital ratio | 12.7226% | 5,158 |
| Memoranda: | ||
| Average total assets | $8,850,174,200 | 120 |
| Average earning assets | $7,540,246,000 | 126 |
| Average equity | $1,398,930,800 | 85 |
| Average total loans | $6,277,245,200 | 116 |