Home > CapitalSource Bank > Performance and Condition Ratios
CapitalSource Bank, Performance and Condition Ratios
| 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 | 5.7031% | 221 |
| Cost of funding earning assets | 0.8463% | 593 |
| Net interest margin | 4.8568% | 347 |
| Noninterest income to average assets | 0.4983% | 3,424 |
| Noninterest expense to average assets | 1.8571% | 6,133 |
| Loan and lease loss provision to assets | 0.1857% | 1,284 |
| Net operating income to assets | 1.8069% | 481 |
| Return on assets (ROA) | 1.8069% | 501 |
| Pretax return on assets | 3.0119% | 138 |
| Return on Equity (ROE) | 11.8011% | 1,462 |
| Retained earnings to average equity (ytd only) | 11.8011% | 633 |
| Net charge-offs to loans | 0.3518% | 1,017 |
| Credit loss provision to net charge-offs | 63.2324% | 2,076 |
| Earnings coverage of net charge-offs (x) | 10.8895% | 1,821 |
| Efficiency ratio | 36.7407% | 6,632 |
| Assets per employee ($millions) | 17.1986% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 2,973 |
| Loan loss allowance to noncurrent loans | 159.1702% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.8235% | 3,674 |
| Noncurrent loans to loans | 0.9674% | 3,488 |
| Net loans and leases to total assets | 82.7379% | 313 |
| Net loans and leases to deposits | 110.0932% | 150 |
| Net loans and leases to core deposits | 128.1836% | 204 |
| Total domestic deposits to total assets | 75.1527% | 6,145 |
| Equity capital to assets | 15.3239% | 625 |
| Core capital (leverage) ratio | 14.0629% | 805 |
| Tier 1 risk-based capital ratio | 14.8036% | 3,811 |
| Total risk-based capital ratio | 16.0561% | 3,767 |
| Memoranda: | ||
| Average total assets | $8,184,234,500 | 126 |
| Average earning assets | $7,678,040,500 | 120 |
| Average equity | $1,253,104,000 | 110 |
| Average total loans | $6,832,049,500 | 108 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1363% | 139 |
| Cost of funding earning assets | 0.8679% | 873 |
| Net interest margin | 5.2683% | 195 |
| Noninterest income to average assets | 0.2628% | 5,464 |
| Noninterest expense to average assets | 1.8960% | 6,192 |
| Loan and lease loss provision to assets | 0.2176% | 1,677 |
| Net operating income to assets | 1.8134% | 472 |
| Return on assets (ROA) | 1.8151% | 481 |
| Pretax return on assets | 3.0614% | 115 |
| Return on Equity (ROE) | 12.0552% | 1,401 |
| Retained earnings to average equity (ytd only) | 12.0552% | 315 |
| Net charge-offs to loans | 0.1024% | 3,807 |
| Credit loss provision to net charge-offs | 267.6293% | 844 |
| Earnings coverage of net charge-offs (x) | 40.2931% | 939 |
| Efficiency ratio | 36.6570% | 6,727 |
| Assets per employee ($millions) | 16.4872% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 2,631 |
| Loan loss allowance to noncurrent loans | 234.8868% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 4,467 |
| Noncurrent loans to loans | 0.6958% | 4,237 |
| Net loans and leases to total assets | 81.5550% | 451 |
| Net loans and leases to deposits | 107.5221% | 218 |
| Net loans and leases to core deposits | 124.0051% | 268 |
| Total domestic deposits to total assets | 75.8495% | 6,111 |
| Equity capital to assets | 15.2982% | 623 |
| Core capital (leverage) ratio | 13.8765% | 861 |
| Tier 1 risk-based capital ratio | 15.0340% | 3,644 |
| Total risk-based capital ratio | 16.2877% | 3,585 |
| Memoranda: | ||
| Average total assets | $7,750,375,000 | 133 |
| Average earning assets | $7,222,500,800 | 129 |
| Average equity | $1,166,934,400 | 112 |
| Average total loans | $6,156,982,200 | 116 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0808% | 150 |
| Cost of funding earning assets | 0.8662% | 963 |
| Net interest margin | 5.2146% | 212 |
| Noninterest income to average assets | 0.2720% | 5,501 |
| Noninterest expense to average assets | 1.9022% | 6,182 |
| Loan and lease loss provision to assets | 0.2163% | 1,681 |
| Net operating income to assets | 1.7905% | 533 |
| Return on assets (ROA) | 1.7928% | 554 |
| Pretax return on assets | 3.0065% | 140 |
| Return on Equity (ROE) | 11.9577% | 1,483 |
| Retained earnings to average equity (ytd only) | 11.9577% | 427 |
| Net charge-offs to loans | 0.1283% | 3,244 |
| Credit loss provision to net charge-offs | 214.6703% | 1,129 |
| Earnings coverage of net charge-offs (x) | 31.9544% | 1,184 |
| Efficiency ratio | 37.1424% | 6,786 |
| Assets per employee ($millions) | 15.6166% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6470% | 2,810 |
| Loan loss allowance to noncurrent loans | 261.8822% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5477% | 4,802 |
| Noncurrent loans to loans | 0.6289% | 4,622 |
| Net loans and leases to total assets | 79.4484% | 608 |
| Net loans and leases to deposits | 104.1547% | 290 |
| Net loans and leases to core deposits | 119.0179% | 342 |
| Total domestic deposits to total assets | 76.2793% | 6,139 |
| Equity capital to assets | 15.0986% | 696 |
| Core capital (leverage) ratio | 13.5507% | 1,006 |
| Tier 1 risk-based capital ratio | 15.0218% | 3,744 |
| Total risk-based capital ratio | 16.2756% | 3,684 |
| Memoranda: | ||
| Average total assets | $7,668,282,250 | 132 |
| Average earning assets | $7,131,046,500 | 129 |
| Average equity | $1,149,692,250 | 112 |
| Average total loans | $6,021,704,500 | 115 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0043% | 183 |
| Cost of funding earning assets | 0.8583% | 1,092 |
| Net interest margin | 5.1460% | 228 |
| Noninterest income to average assets | 0.2875% | 5,394 |
| Noninterest expense to average assets | 1.9152% | 6,193 |
| Loan and lease loss provision to assets | 0.2693% | 1,369 |
| Net operating income to assets | 1.7040% | 618 |
| Return on assets (ROA) | 1.7075% | 667 |
| Pretax return on assets | 2.8892% | 164 |
| Return on Equity (ROE) | 11.4167% | 1,673 |
| Retained earnings to average equity (ytd only) | 11.4167% | 580 |
| Net charge-offs to loans | 0.1403% | 2,979 |
| Credit loss provision to net charge-offs | 246.9279% | 1,024 |
| Earnings coverage of net charge-offs (x) | 28.9071% | 1,177 |
| Efficiency ratio | 37.7882% | 6,828 |
| Assets per employee ($millions) | 15.1398% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 2,822 |
| Loan loss allowance to noncurrent loans | 180.6992% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 4,260 |
| Noncurrent loans to loans | 0.9341% | 4,057 |
| Net loans and leases to total assets | 78.2689% | 715 |
| Net loans and leases to deposits | 104.3161% | 259 |
| Net loans and leases to core deposits | 118.5447% | 338 |
| Total domestic deposits to total assets | 75.0306% | 6,356 |
| Equity capital to assets | 14.8982% | 732 |
| Core capital (leverage) ratio | 13.5128% | 973 |
| Tier 1 risk-based capital ratio | 14.9306% | 3,821 |
| Total risk-based capital ratio | 16.1849% | 3,784 |
| Memoranda: | ||
| Average total assets | $7,579,962,670 | 132 |
| Average earning assets | $7,042,154,330 | 129 |
| Average equity | $1,133,654,000 | 113 |
| Average total loans | $5,892,811,000 | 115 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1110% | 142 |
| Cost of funding earning assets | 0.8551% | 1,231 |
| Net interest margin | 5.2559% | 181 |
| Noninterest income to average assets | 0.2903% | 5,381 |
| Noninterest expense to average assets | 1.8297% | 6,397 |
| Loan and lease loss provision to assets | 0.1689% | 2,171 |
| Net operating income to assets | 1.8566% | 432 |
| Return on assets (ROA) | 1.8566% | 473 |
| Pretax return on assets | 3.1640% | 138 |
| Return on Equity (ROE) | 12.3886% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.3886% | 649 |
| Net charge-offs to loans | 0.1548% | 2,473 |
| Credit loss provision to net charge-offs | 142.1100% | 1,420 |
| Earnings coverage of net charge-offs (x) | 28.0397% | 997 |
| Efficiency ratio | 35.4406% | 6,923 |
| Assets per employee ($millions) | 14.2568% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 2,965 |
| Loan loss allowance to noncurrent loans | 327.5880% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 5,226 |
| Noncurrent loans to loans | 0.5219% | 5,133 |
| Net loans and leases to total assets | 75.9694% | 844 |
| Net loans and leases to deposits | 100.1286% | 346 |
| Net loans and leases to core deposits | 113.1749% | 411 |
| Total domestic deposits to total assets | 75.8718% | 6,375 |
| Equity capital to assets | 15.0375% | 747 |
| Core capital (leverage) ratio | 13.3809% | 980 |
| Tier 1 risk-based capital ratio | 15.4220% | 3,578 |
| Total risk-based capital ratio | 16.6766% | 3,533 |
| Memoranda: | ||
| Average total assets | $7,463,871,000 | 137 |
| Average earning assets | $6,919,164,000 | 133 |
| Average equity | $1,118,546,500 | 116 |
| Average total loans | $5,729,485,000 | 119 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2895% | 172 |
| Cost of funding earning assets | 0.9501% | 1,648 |
| Net interest margin | 5.3394% | 220 |
| Noninterest income to average assets | 0.3795% | 4,755 |
| Noninterest expense to average assets | 2.1533% | 6,017 |
| Loan and lease loss provision to assets | 0.2279% | 2,853 |
| Net operating income to assets | 1.7262% | 587 |
| Return on assets (ROA) | 1.7262% | 659 |
| Pretax return on assets | 2.9091% | 153 |
| Return on Equity (ROE) | 11.6754% | 1,604 |
| Retained earnings to average equity (ytd only) | 4.0610% | 3,359 |
| Net charge-offs to loans | 0.2297% | 3,558 |
| Credit loss provision to net charge-offs | 135.6455% | 2,050 |
| Earnings coverage of net charge-offs (x) | 18.6741% | 1,427 |
| Efficiency ratio | 40.7031% | 6,917 |
| Assets per employee ($millions) | 13.7531% | 112 |
| Cash dividends to net income (ytd only)* | 65.2177% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7602% | 2,723 |
| Loan loss allowance to noncurrent loans | 235.4096% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.6396% | 4,870 |
| Noncurrent loans to loans | 0.7477% | 4,683 |
| Net loans and leases to total assets | 74.8803% | 1,067 |
| Net loans and leases to deposits | 98.9360% | 461 |
| Net loans and leases to core deposits | 110.6481% | 518 |
| Total domestic deposits to total assets | 75.6856% | 6,392 |
| Equity capital to assets | 14.9335% | 754 |
| Core capital (leverage) ratio | 13.0627% | 1,094 |
| Tier 1 risk-based capital ratio | 15.2400% | 3,589 |
| Total risk-based capital ratio | 16.4952% | 3,528 |
| Memoranda: | ||
| Average total assets | $7,106,092,200 | 136 |
| Average earning assets | $6,535,529,200 | 134 |
| Average equity | $1,050,632,400 | 124 |
| Average total loans | $5,196,717,400 | 126 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2644% | 191 |
| Cost of funding earning assets | 0.9680% | 1,745 |
| Net interest margin | 5.2963% | 244 |
| Noninterest income to average assets | 0.4238% | 4,452 |
| Noninterest expense to average assets | 2.1566% | 6,045 |
| Loan and lease loss provision to assets | 0.2793% | 2,334 |
| Net operating income to assets | 1.6803% | 720 |
| Return on assets (ROA) | 1.6803% | 798 |
| Pretax return on assets | 2.8554% | 179 |
| Return on Equity (ROE) | 11.3949% | 1,822 |
| Retained earnings to average equity (ytd only) | 1.1197% | 5,722 |
| Net charge-offs to loans | 0.2870% | 3,006 |
| Credit loss provision to net charge-offs | 134.5347% | 2,141 |
| Earnings coverage of net charge-offs (x) | 15.1013% | 1,792 |
| Efficiency ratio | 40.7573% | 7,001 |
| Assets per employee ($millions) | 14.0384% | 103 |
| Cash dividends to net income (ytd only)* | 90.1734% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8716% | 2,574 |
| Loan loss allowance to noncurrent loans | 153.1681% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.9651% | 4,352 |
| Noncurrent loans to loans | 1.2219% | 4,012 |
| Net loans and leases to total assets | 70.8362% | 1,754 |
| Net loans and leases to deposits | 93.2365% | 849 |
| Net loans and leases to core deposits | 103.0509% | 930 |
| Total domestic deposits to total assets | 75.9747% | 6,383 |
| Equity capital to assets | 14.6259% | 931 |
| Core capital (leverage) ratio | 12.8207% | 1,266 |
| Tier 1 risk-based capital ratio | 15.4336% | 3,578 |
| Total risk-based capital ratio | 16.6898% | 3,526 |
| Memoranda: | ||
| Average total assets | $7,039,704,500 | 137 |
| Average earning assets | $6,469,780,500 | 136 |
| Average equity | $1,038,078,750 | 123 |
| Average total loans | $5,091,194,250 | 126 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2763% | 194 |
| Cost of funding earning assets | 0.9837% | 1,861 |
| Net interest margin | 5.2926% | 246 |
| Noninterest income to average assets | 0.4486% | 4,303 |
| Noninterest expense to average assets | 2.2200% | 5,950 |
| Loan and lease loss provision to assets | 0.4160% | 1,574 |
| Net operating income to assets | 1.5771% | 874 |
| Return on assets (ROA) | 1.5771% | 981 |
| Pretax return on assets | 2.6771% | 230 |
| Return on Equity (ROE) | 10.6651% | 2,107 |
| Retained earnings to average equity (ytd only) | -4.8856% | 6,611 |
| Net charge-offs to loans | 0.2915% | 2,864 |
| Credit loss provision to net charge-offs | 197.2200% | 1,443 |
| Earnings coverage of net charge-offs (x) | 14.6638% | 1,699 |
| Efficiency ratio | 41.7837% | 7,026 |
| Assets per employee ($millions) | 13.6020% | 104 |
| Cash dividends to net income (ytd only)* | 145.8098% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9511% | 2,367 |
| Loan loss allowance to noncurrent loans | 102.5232% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.4863% | 3,471 |
| Noncurrent loans to loans | 1.9031% | 3,073 |
| Net loans and leases to total assets | 72.4544% | 1,478 |
| Net loans and leases to deposits | 95.0367% | 691 |
| Net loans and leases to core deposits | 104.2066% | 845 |
| Total domestic deposits to total assets | 76.2383% | 6,425 |
| Equity capital to assets | 14.6007% | 886 |
| Core capital (leverage) ratio | 12.6896% | 1,268 |
| Tier 1 risk-based capital ratio | 14.9435% | 3,799 |
| Total risk-based capital ratio | 16.2006% | 3,749 |
| Memoranda: | ||
| Average total assets | $6,957,621,670 | 138 |
| Average earning assets | $6,394,885,000 | 137 |
| Average equity | $1,028,892,330 | 124 |
| Average total loans | $5,035,084,330 | 125 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4294% | 173 |
| Cost of funding earning assets | 1.0140% | 1,897 |
| Net interest margin | 5.4154% | 210 |
| Noninterest income to average assets | 0.5706% | 3,418 |
| Noninterest expense to average assets | 2.2443% | 5,926 |
| Loan and lease loss provision to assets | 0.1102% | 3,974 |
| Net operating income to assets | 1.8419% | 551 |
| Return on assets (ROA) | 1.8419% | 623 |
| Pretax return on assets | 3.1832% | 159 |
| Return on Equity (ROE) | 12.3754% | 1,560 |
| Retained earnings to average equity (ytd only) | -18.7538% | 7,030 |
| Net charge-offs to loans | -0.0051% | 5,798 |
| Credit loss provision to net charge-offs | -3,020.6349% | 6,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5273% | 7,094 |
| Assets per employee ($millions) | 13.5449% | 113 |
| Cash dividends to net income (ytd only)* | 251.5407% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9230% | 2,606 |
| Loan loss allowance to noncurrent loans | 119.9469% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 1.3407% | 3,882 |
| Noncurrent loans to loans | 1.6032% | 3,716 |
| Net loans and leases to total assets | 70.0951% | 1,735 |
| Net loans and leases to deposits | 92.1246% | 786 |
| Net loans and leases to core deposits | 100.6697% | 948 |
| Total domestic deposits to total assets | 76.0873% | 6,533 |
| Equity capital to assets | 14.3054% | 919 |
| Core capital (leverage) ratio | 12.3887% | 1,391 |
| Tier 1 risk-based capital ratio | 14.9613% | 3,783 |
| Total risk-based capital ratio | 16.2181% | 3,741 |
| Memoranda: | ||
| Average total assets | $6,906,702,500 | 137 |
| Average earning assets | $6,334,866,000 | 137 |
| Average equity | $1,027,974,000 | 123 |
| Average total loans | $4,944,291,500 | 126 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4554% | 192 |
| Cost of funding earning assets | 1.0631% | 2,931 |
| Net interest margin | 5.3924% | 207 |
| Noninterest income to average assets | 0.2717% | 5,581 |
| Noninterest expense to average assets | 2.2256% | 6,216 |
| Loan and lease loss provision to assets | 0.4301% | 2,447 |
| Net operating income to assets | 1.7100% | 541 |
| Return on assets (ROA) | 1.7586% | 534 |
| Pretax return on assets | 2.6643% | 166 |
| Return on Equity (ROE) | 11.3636% | 1,597 |
| Retained earnings to average equity (ytd only) | 11.3636% | 363 |
| Net charge-offs to loans | 1.3610% | 1,212 |
| Credit loss provision to net charge-offs | 47.6725% | 5,477 |
| Earnings coverage of net charge-offs (x) | 3.3485% | 3,549 |
| Efficiency ratio | 42.4157% | 7,159 |
| Assets per employee ($millions) | 20.4943% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9458% | 2,427 |
| Loan loss allowance to noncurrent loans | 79.9490% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.8322% | 3,211 |
| Noncurrent loans to loans | 2.4338% | 2,698 |
| Net loans and leases to total assets | 70.3132% | 1,966 |
| Net loans and leases to deposits | 93.0687% | 878 |
| Net loans and leases to core deposits | 100.4945% | 1,136 |
| Total domestic deposits to total assets | 75.5498% | 6,538 |
| Equity capital to assets | 15.4830% | 681 |
| Core capital (leverage) ratio | 13.6060% | 923 |
| Tier 1 risk-based capital ratio | 16.1690% | 2,968 |
| Total risk-based capital ratio | 17.4259% | 2,932 |
| Memoranda: | ||
| Average total assets | $6,403,621,400 | 147 |
| Average earning assets | $5,907,481,800 | 144 |
| Average equity | $991,005,200 | 125 |
| Average total loans | $4,244,514,800 | 136 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4579% | 208 |
| Cost of funding earning assets | 1.0723% | 3,163 |
| Net interest margin | 5.3856% | 212 |
| Noninterest income to average assets | 0.3184% | 5,319 |
| Noninterest expense to average assets | 2.2320% | 6,209 |
| Loan and lease loss provision to assets | 0.4995% | 1,990 |
| Net operating income to assets | 1.7608% | 555 |
| Return on assets (ROA) | 1.8023% | 561 |
| Pretax return on assets | 2.6149% | 199 |
| Return on Equity (ROE) | 11.6476% | 1,634 |
| Retained earnings to average equity (ytd only) | 11.6476% | 536 |
| Net charge-offs to loans | 0.9725% | 1,651 |
| Credit loss provision to net charge-offs | 79.2357% | 4,158 |
| Earnings coverage of net charge-offs (x) | 4.8447% | 2,945 |
| Efficiency ratio | 42.2148% | 7,200 |
| Assets per employee ($millions) | 19.6628% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6453% | 1,209 |
| Loan loss allowance to noncurrent loans | 110.7633% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 1.7773% | 3,432 |
| Noncurrent loans to loans | 2.3882% | 2,900 |
| Net loans and leases to total assets | 66.7095% | 2,739 |
| Net loans and leases to deposits | 89.4004% | 1,278 |
| Net loans and leases to core deposits | 95.2497% | 1,674 |
| Total domestic deposits to total assets | 74.6188% | 6,686 |
| Equity capital to assets | 15.6944% | 688 |
| Core capital (leverage) ratio | 13.5024% | 1,045 |
| Tier 1 risk-based capital ratio | 16.8676% | 2,686 |
| Total risk-based capital ratio | 18.1318% | 2,656 |
| Memoranda: | ||
| Average total assets | $6,308,627,250 | 148 |
| Average earning assets | $5,819,404,500 | 147 |
| Average equity | $976,180,750 | 126 |
| Average total loans | $4,089,539,500 | 140 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5356% | 194 |
| Cost of funding earning assets | 1.0774% | 3,409 |
| Net interest margin | 5.4582% | 190 |
| Noninterest income to average assets | 0.1561% | 6,537 |
| Noninterest expense to average assets | 2.2580% | 6,223 |
| Loan and lease loss provision to assets | 0.3182% | 2,882 |
| Net operating income to assets | 1.8997% | 413 |
| Return on assets (ROA) | 1.9283% | 408 |
| Pretax return on assets | 2.6326% | 205 |
| Return on Equity (ROE) | 12.5245% | 1,332 |
| Retained earnings to average equity (ytd only) | 12.5245% | 452 |
| Net charge-offs to loans | 1.3240% | 1,155 |
| Credit loss provision to net charge-offs | 37.8326% | 4,855 |
| Earnings coverage of net charge-offs (x) | 3.4615% | 3,158 |
| Efficiency ratio | 43.6662% | 7,247 |
| Assets per employee ($millions) | 18.4690% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6189% | 1,289 |
| Loan loss allowance to noncurrent loans | 49.5462% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 3.7192% | 1,751 |
| Noncurrent loans to loans | 5.2858% | 1,216 |
| Net loans and leases to total assets | 63.3710% | 3,605 |
| Net loans and leases to deposits | 84.3720% | 2,050 |
| Net loans and leases to core deposits | 89.7150% | 2,413 |
| Total domestic deposits to total assets | 75.1090% | 6,713 |
| Equity capital to assets | 15.6156% | 677 |
| Core capital (leverage) ratio | 13.4715% | 1,006 |
| Tier 1 risk-based capital ratio | 17.4032% | 2,373 |
| Total risk-based capital ratio | 18.6666% | 2,338 |
| Memoranda: | ||
| Average total assets | $6,228,930,000 | 152 |
| Average earning assets | $5,721,488,330 | 150 |
| Average equity | $959,033,000 | 127 |
| Average total loans | $3,957,173,670 | 145 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7154% | 160 |
| Cost of funding earning assets | 1.0826% | 3,642 |
| Net interest margin | 5.6328% | 136 |
| Noninterest income to average assets | 0.1911% | 6,355 |
| Noninterest expense to average assets | 2.3830% | 5,939 |
| Loan and lease loss provision to assets | 0.7303% | 1,158 |
| Net operating income to assets | 2.0249% | 338 |
| Return on assets (ROA) | 2.0971% | 312 |
| Pretax return on assets | 2.2981% | 348 |
| Return on Equity (ROE) | 13.7217% | 1,040 |
| Retained earnings to average equity (ytd only) | 13.7217% | 501 |
| Net charge-offs to loans | 0.3262% | 2,749 |
| Credit loss provision to net charge-offs | 356.8889% | 922 |
| Earnings coverage of net charge-offs (x) | 14.4121% | 1,373 |
| Efficiency ratio | 44.6675% | 7,260 |
| Assets per employee ($millions) | 17.7589% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3688% | 676 |
| Loan loss allowance to noncurrent loans | 77.3045% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 3.2754% | 2,093 |
| Noncurrent loans to loans | 4.3579% | 1,621 |
| Net loans and leases to total assets | 61.7162% | 3,916 |
| Net loans and leases to deposits | 81.0073% | 2,523 |
| Net loans and leases to core deposits | 86.1292% | 2,855 |
| Total domestic deposits to total assets | 76.1860% | 6,641 |
| Equity capital to assets | 15.4926% | 660 |
| Core capital (leverage) ratio | 13.4683% | 979 |
| Tier 1 risk-based capital ratio | 17.5243% | 2,285 |
| Total risk-based capital ratio | 18.7961% | 2,240 |
| Memoranda: | ||
| Average total assets | $6,157,492,500 | 154 |
| Average earning assets | $5,620,007,500 | 152 |
| Average equity | $941,050,500 | 128 |
| Average total loans | $3,862,527,500 | 147 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3342% | 433 |
| Cost of funding earning assets | 1.2121% | 4,481 |
| Net interest margin | 5.1221% | 337 |
| Noninterest income to average assets | 0.4321% | 4,666 |
| Noninterest expense to average assets | 2.0296% | 6,972 |
| Loan and lease loss provision to assets | 2.0015% | 658 |
| Net operating income to assets | 0.8822% | 2,459 |
| Return on assets (ROA) | 0.8822% | 2,596 |
| Pretax return on assets | 1.1151% | 2,527 |
| Return on Equity (ROE) | 5.8409% | 3,677 |
| Retained earnings to average equity (ytd only) | 5.8409% | 1,912 |
| Net charge-offs to loans | 4.0330% | 310 |
| Credit loss provision to net charge-offs | 80.9099% | 5,531 |
| Earnings coverage of net charge-offs (x) | 1.2599% | 4,847 |
| Efficiency ratio | 39.3734% | 7,513 |
| Assets per employee ($millions) | 18.9935% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3054% | 679 |
| Loan loss allowance to noncurrent loans | 52.0885% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 4.6699% | 1,412 |
| Noncurrent loans to loans | 6.3458% | 961 |
| Net loans and leases to total assets | 59.5461% | 4,754 |
| Net loans and leases to deposits | 79.0496% | 3,334 |
| Net loans and leases to core deposits | 83.8340% | 3,622 |
| Total domestic deposits to total assets | 75.3276% | 6,722 |
| Equity capital to assets | 15.0719% | 767 |
| Core capital (leverage) ratio | 13.1470% | 1,081 |
| Tier 1 risk-based capital ratio | 16.8598% | 2,404 |
| Total risk-based capital ratio | 18.1296% | 2,359 |
| Memoranda: | ||
| Average total assets | $5,850,871,200 | 155 |
| Average earning assets | $5,384,726,200 | 153 |
| Average equity | $883,686,400 | 126 |
| Average total loans | $3,588,759,600 | 157 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2506% | 557 |
| Cost of funding earning assets | 1.2417% | 4,612 |
| Net interest margin | 5.0089% | 435 |
| Noninterest income to average assets | 0.4776% | 4,346 |
| Noninterest expense to average assets | 1.9467% | 7,141 |
| Loan and lease loss provision to assets | 2.4764% | 428 |
| Net operating income to assets | 0.8052% | 2,981 |
| Return on assets (ROA) | 0.8052% | 3,129 |
| Pretax return on assets | 0.6847% | 4,284 |
| Return on Equity (ROE) | 5.3283% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.3283% | 2,751 |
| Net charge-offs to loans | 4.8511% | 186 |
| Credit loss provision to net charge-offs | 83.3120% | 5,031 |
| Earnings coverage of net charge-offs (x) | 1.0635% | 4,991 |
| Efficiency ratio | 38.0247% | 7,610 |
| Assets per employee ($millions) | 17.8958% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6021% | 500 |
| Loan loss allowance to noncurrent loans | 38.0486% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 5.9784% | 1,000 |
| Noncurrent loans to loans | 9.4671% | 475 |
| Net loans and leases to total assets | 58.8307% | 5,128 |
| Net loans and leases to deposits | 75.7672% | 4,219 |
| Net loans and leases to core deposits | 80.2367% | 4,484 |
| Total domestic deposits to total assets | 77.6467% | 6,332 |
| Equity capital to assets | 15.3816% | 799 |
| Core capital (leverage) ratio | 13.0266% | 1,218 |
| Tier 1 risk-based capital ratio | 16.9865% | 2,341 |
| Total risk-based capital ratio | 18.2592% | 2,301 |
| Memoranda: | ||
| Average total assets | $5,779,863,000 | 154 |
| Average earning assets | $5,342,831,750 | 153 |
| Average equity | $873,447,000 | 127 |
| Average total loans | $3,541,456,000 | 154 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1513% | 688 |
| Cost of funding earning assets | 1.2766% | 4,674 |
| Net interest margin | 4.8747% | 567 |
| Noninterest income to average assets | 0.4571% | 4,462 |
| Noninterest expense to average assets | 1.8738% | 7,301 |
| Loan and lease loss provision to assets | 3.2446% | 290 |
| Net operating income to assets | -0.0695% | 6,187 |
| Return on assets (ROA) | -0.0695% | 6,274 |
| Pretax return on assets | -0.1576% | 6,296 |
| Return on Equity (ROE) | -0.4628% | 6,246 |
| Retained earnings to average equity (ytd only) | -0.4628% | 5,839 |
| Net charge-offs to loans | 4.6012% | 247 |
| Credit loss provision to net charge-offs | 114.9288% | 3,541 |
| Earnings coverage of net charge-offs (x) | 1.0935% | 4,700 |
| Efficiency ratio | 37.6338% | 7,680 |
| Assets per employee ($millions) | 16.9952% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6104% | 233 |
| Loan loss allowance to noncurrent loans | 42.6332% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 6.9096% | 770 |
| Noncurrent loans to loans | 10.8140% | 378 |
| Net loans and leases to total assets | 58.9237% | 5,261 |
| Net loans and leases to deposits | 74.4964% | 4,599 |
| Net loans and leases to core deposits | 78.5312% | 4,862 |
| Total domestic deposits to total assets | 79.0961% | 6,008 |
| Equity capital to assets | 15.1638% | 844 |
| Core capital (leverage) ratio | 12.5430% | 1,394 |
| Tier 1 risk-based capital ratio | 16.4062% | 2,514 |
| Total risk-based capital ratio | 17.6892% | 2,444 |
| Memoranda: | ||
| Average total assets | $5,720,044,670 | 154 |
| Average earning assets | $5,284,775,330 | 153 |
| Average equity | $859,049,330 | 128 |
| Average total loans | $3,509,637,000 | 152 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2649% | 565 |
| Cost of funding earning assets | 1.3155% | 4,722 |
| Net interest margin | 4.9493% | 463 |
| Noninterest income to average assets | 0.5075% | 3,990 |
| Noninterest expense to average assets | 1.7105% | 7,571 |
| Loan and lease loss provision to assets | 6.1645% | 108 |
| Net operating income to assets | -2.7884% | 7,606 |
| Return on assets (ROA) | -2.7884% | 7,609 |
| Pretax return on assets | -2.7923% | 7,567 |
| Return on Equity (ROE) | -18.6586% | 7,413 |
| Retained earnings to average equity (ytd only) | -18.6586% | 7,335 |
| Net charge-offs to loans | 2.0568% | 833 |
| Credit loss provision to net charge-offs | 490.1526% | 868 |
| Earnings coverage of net charge-offs (x) | 2.6813% | 3,197 |
| Efficiency ratio | 33.3817% | 7,822 |
| Assets per employee ($millions) | 16.2057% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4472% | 78 |
| Loan loss allowance to noncurrent loans | 69.7514% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 5.5874% | 1,101 |
| Noncurrent loans to loans | 9.2432% | 508 |
| Net loans and leases to total assets | 56.5519% | 5,669 |
| Net loans and leases to deposits | 70.3949% | 5,285 |
| Net loans and leases to core deposits | 73.9024% | 5,505 |
| Total domestic deposits to total assets | 80.3352% | 5,668 |
| Equity capital to assets | 14.5957% | 978 |
| Core capital (leverage) ratio | 11.7813% | 1,762 |
| Tier 1 risk-based capital ratio | 16.0486% | 2,638 |
| Total risk-based capital ratio | 17.3508% | 2,565 |
| Memoranda: | ||
| Average total assets | $5,690,878,000 | 156 |
| Average earning assets | $5,260,584,000 | 155 |
| Average equity | $850,462,000 | 126 |
| Average total loans | $3,479,757,500 | 160 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8126% | 2,603 |
| Cost of funding earning assets | 2.0703% | 2,628 |
| Net interest margin | 3.7423% | 3,945 |
| Noninterest income to average assets | 0.5904% | 3,698 |
| Noninterest expense to average assets | 1.7278% | 7,675 |
| Loan and lease loss provision to assets | 3.6930% | 402 |
| Net operating income to assets | -1.2227% | 6,721 |
| Return on assets (ROA) | -1.2236% | 6,720 |
| Pretax return on assets | -1.3314% | 6,614 |
| Return on Equity (ROE) | -7.9983% | 6,467 |
| Retained earnings to average equity (ytd only) | -7.9983% | 6,348 |
| Net charge-offs to loans | 3.0998% | 666 |
| Credit loss provision to net charge-offs | 183.2021% | 2,240 |
| Earnings coverage of net charge-offs (x) | 1.1720% | 4,955 |
| Efficiency ratio | 42.2096% | 7,818 |
| Assets per employee ($millions) | 16.1748% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3434% | 283 |
| Loan loss allowance to noncurrent loans | 82.2753% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 3.2650% | 2,099 |
| Noncurrent loans to loans | 5.2791% | 1,245 |
| Net loans and leases to total assets | 59.1603% | 5,470 |
| Net loans and leases to deposits | 74.9053% | 4,891 |
| Net loans and leases to core deposits | 112.4631% | 2,649 |
| Total domestic deposits to total assets | 78.9802% | 5,984 |
| Equity capital to assets | 15.2945% | 842 |
| Core capital (leverage) ratio | 12.8010% | 1,308 |
| Tier 1 risk-based capital ratio | 16.1896% | 2,439 |
| Total risk-based capital ratio | 17.4688% | 2,368 |
| Memoranda: | ||
| Average total assets | $5,777,995,400 | 155 |
| Average earning assets | $5,403,768,200 | 152 |
| Average equity | $883,928,600 | 122 |
| Average total loans | $3,757,462,200 | 151 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6072% | 3,823 |
| Cost of funding earning assets | 2.2630% | 2,136 |
| Net interest margin | 3.3442% | 5,470 |
| Noninterest income to average assets | 0.5767% | 3,879 |
| Noninterest expense to average assets | 1.7306% | 7,728 |
| Loan and lease loss provision to assets | 3.7659% | 336 |
| Net operating income to assets | -1.9760% | 7,308 |
| Return on assets (ROA) | -1.9779% | 7,310 |
| Pretax return on assets | -1.7794% | 7,079 |
| Return on Equity (ROE) | -12.9281% | 7,070 |
| Retained earnings to average equity (ytd only) | -12.9281% | 7,004 |
| Net charge-offs to loans | 3.2385% | 500 |
| Credit loss provision to net charge-offs | 176.7006% | 2,614 |
| Earnings coverage of net charge-offs (x) | 0.9330% | 5,125 |
| Efficiency ratio | 46.4965% | 7,749 |
| Assets per employee ($millions) | 15.3159% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4985% | 424 |
| Loan loss allowance to noncurrent loans | 69.3770% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 3.3043% | 2,044 |
| Noncurrent loans to loans | 5.0427% | 1,295 |
| Net loans and leases to total assets | 63.2340% | 5,036 |
| Net loans and leases to deposits | 79.6315% | 4,451 |
| Net loans and leases to core deposits | 117.6834% | 2,450 |
| Total domestic deposits to total assets | 79.4083% | 5,655 |
| Equity capital to assets | 15.4492% | 898 |
| Core capital (leverage) ratio | 12.5199% | 1,574 |
| Tier 1 risk-based capital ratio | 15.4743% | 2,840 |
| Total risk-based capital ratio | 16.7453% | 2,767 |
| Memoranda: | ||
| Average total assets | $5,803,155,750 | 161 |
| Average earning assets | $5,452,840,500 | 159 |
| Average equity | $887,829,500 | 127 |
| Average total loans | $3,819,016,000 | 160 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4338% | 4,978 |
| Cost of funding earning assets | 2.4920% | 1,641 |
| Net interest margin | 2.9418% | 6,706 |
| Noninterest income to average assets | 0.6026% | 3,671 |
| Noninterest expense to average assets | 1.6946% | 7,840 |
| Loan and lease loss provision to assets | 3.9176% | 327 |
| Net operating income to assets | -2.4074% | 7,538 |
| Return on assets (ROA) | -2.4069% | 7,532 |
| Pretax return on assets | -2.2469% | 7,359 |
| Return on Equity (ROE) | -15.7808% | 7,369 |
| Retained earnings to average equity (ytd only) | -15.7808% | 7,283 |
| Net charge-offs to loans | 4.0948% | 340 |
| Credit loss provision to net charge-offs | 145.1828% | 3,189 |
| Earnings coverage of net charge-offs (x) | 0.6190% | 5,090 |
| Efficiency ratio | 50.3202% | 7,648 |
| Assets per employee ($millions) | 16.0537% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4799% | 921 |
| Loan loss allowance to noncurrent loans | 106.1006% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.5095% | 3,963 |
| Noncurrent loans to loans | 2.3373% | 3,093 |
| Net loans and leases to total assets | 62.9816% | 5,189 |
| Net loans and leases to deposits | 79.1447% | 4,677 |
| Net loans and leases to core deposits | 116.3279% | 2,684 |
| Total domestic deposits to total assets | 79.5778% | 5,606 |
| Equity capital to assets | 15.1433% | 999 |
| Core capital (leverage) ratio | 12.4621% | 1,639 |
| Tier 1 risk-based capital ratio | 15.5077% | 2,808 |
| Total risk-based capital ratio | 16.7683% | 2,737 |
| Memoranda: | ||
| Average total assets | $5,894,529,330 | 165 |
| Average earning assets | $5,534,725,670 | 160 |
| Average equity | $899,042,330 | 130 |
| Average total loans | $3,884,361,670 | 165 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5032% | 4,895 |
| Cost of funding earning assets | 2.7303% | 1,179 |
| Net interest margin | 2.7729% | 7,050 |
| Noninterest income to average assets | 0.6390% | 3,282 |
| Noninterest expense to average assets | 1.5868% | 7,921 |
| Loan and lease loss provision to assets | 1.6705% | 743 |
| Net operating income to assets | -0.0062% | 6,265 |
| Return on assets (ROA) | -0.0062% | 6,410 |
| Pretax return on assets | -0.0106% | 6,390 |
| Return on Equity (ROE) | -0.0406% | 6,415 |
| Retained earnings to average equity (ytd only) | -0.0406% | 5,656 |
| Net charge-offs to loans | 1.0066% | 1,334 |
| Credit loss provision to net charge-offs | 249.4610% | 1,891 |
| Earnings coverage of net charge-offs (x) | 2.4788% | 3,503 |
| Efficiency ratio | 48.8327% | 7,680 |
| Assets per employee ($millions) | 16.5273% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7977% | 1,857 |
| Loan loss allowance to noncurrent loans | 302.5638% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 6,298 |
| Noncurrent loans to loans | 0.5942% | 5,910 |
| Net loans and leases to total assets | 66.0785% | 4,566 |
| Net loans and leases to deposits | 81.5595% | 4,361 |
| Net loans and leases to core deposits | 119.3740% | 2,473 |
| Total domestic deposits to total assets | 81.0188% | 4,956 |
| Equity capital to assets | 15.7003% | 928 |
| Core capital (leverage) ratio | 12.8724% | 1,527 |
| Tier 1 risk-based capital ratio | 15.9899% | 2,693 |
| Total risk-based capital ratio | 17.2439% | 2,630 |
| Memoranda: | ||
| Average total assets | $5,984,230,500 | 166 |
| Average earning assets | $5,627,590,000 | 158 |
| Average equity | $915,833,000 | 125 |
| Average total loans | $3,981,036,500 | 162 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5673% | 8,194 |
| Cost of funding earning assets | 1.3206% | 7,825 |
| Net interest margin | 1.2466% | 8,207 |
| Noninterest income to average assets | 0.2017% | 7,009 |
| Noninterest expense to average assets | 0.7075% | 8,243 |
| Loan and lease loss provision to assets | 0.9087% | 1,640 |
| Net operating income to assets | -0.1387% | 6,545 |
| Return on assets (ROA) | -0.1387% | 6,394 |
| Pretax return on assets | -0.2383% | 6,403 |
| Return on Equity (ROE) | -0.9192% | 6,354 |
| Retained earnings to average equity (ytd only) | -0.9192% | 5,573 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3047% | 7,562 |
| Assets per employee ($millions) | 17.8844% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 3,323 |
| Loan loss allowance to noncurrent loans | 137.6135% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 5,245 |
| Noncurrent loans to loans | 1.0010% | 4,592 |
| Net loans and leases to total assets | 64.8937% | 5,084 |
| Net loans and leases to deposits | 78.9238% | 5,211 |
| Net loans and leases to core deposits | 115.2695% | 3,208 |
| Total domestic deposits to total assets | 82.2232% | 4,110 |
| Equity capital to assets | 14.9273% | 1,179 |
| Core capital (leverage) ratio | 13.3831% | 1,417 |
| Tier 1 risk-based capital ratio | 16.3005% | 2,554 |
| Total risk-based capital ratio | 17.4431% | 2,525 |
| Memoranda: | ||
| Average total assets | $6,118,660,500 | 161 |
| Average earning assets | $5,773,324,000 | 152 |
| Average equity | $923,562,500 | 122 |
| Average total loans | $4,004,221,000 | 164 |