Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1265% | 3,617 |
Cost of funding earning assets | 0.6838% | 2,356 |
Net interest margin | 3.4427% | 3,950 |
Noninterest income to average assets | 0.9468% | 1,624 |
Noninterest expense to average assets | 2.8178% | 3,635 |
Loan and lease loss provision to assets | 0.1604% | 2,268 |
Net operating income to assets | 0.6462% | 3,982 |
Return on assets (ROA) | 0.6462% | 4,139 |
Pretax return on assets | 1.0321% | 3,217 |
Return on Equity (ROE) | 5.0775% | 4,527 |
Retained earnings to average equity (ytd only) | 5.0775% | 3,188 |
Net charge-offs to loans | 0.8021% | 763 |
Credit loss provision to net charge-offs | 35.7903% | 2,803 |
Earnings coverage of net charge-offs (x) | 2.6605% | 2,977 |
Efficiency ratio | 69.7610% | 4,015 |
Assets per employee ($millions) | 4.7521% | 2,568 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0196% | 1,992 |
Loan loss allowance to noncurrent loans | 159.9667% | 2,261 |
Noncurrent assets plus other real estate owned to assets | 0.7534% | 4,489 |
Noncurrent loans to loans | 1.2625% | 3,670 |
Net loans and leases to total assets | 54.0621% | 4,409 |
Net loans and leases to deposits | 69.7208% | 3,537 |
Net loans and leases to core deposits | 71.4251% | 3,895 |
Total domestic deposits to total assets | 77.5409% | 6,182 |
Equity capital to assets | 12.7927% | 1,537 |
Core capital (leverage) ratio | 10.2090% | 3,137 |
Tier 1 risk-based capital ratio | 16.4323% | 3,047 |
Total risk-based capital ratio | 17.6903% | 2,991 |
Memoranda: | ||
Average total assets | $9,310,376,000 | 120 |
Average earning assets | $8,284,865,000 | 120 |
Average equity | $1,184,988,500 | 112 |
Average total loans | $5,203,154,000 | 130 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4627% | 3,557 |
Cost of funding earning assets | 0.7710% | 2,907 |
Net interest margin | 3.6917% | 3,685 |
Noninterest income to average assets | 0.9492% | 1,705 |
Noninterest expense to average assets | 2.7881% | 4,067 |
Loan and lease loss provision to assets | 0.2485% | 2,668 |
Net operating income to assets | 3.8395% | 67 |
Return on assets (ROA) | 3.8395% | 66 |
Pretax return on assets | 1.2355% | 2,654 |
Return on Equity (ROE) | 34.1098% | 44 |
Retained earnings to average equity (ytd only) | 31.7316% | 19 |
Net charge-offs to loans | 1.5630% | 557 |
Credit loss provision to net charge-offs | 27.1429% | 5,167 |
Earnings coverage of net charge-offs (x) | 1.6211% | 4,637 |
Efficiency ratio | 64.7314% | 4,752 |
Assets per employee ($millions) | 4.7218% | 2,617 |
Cash dividends to net income (ytd only)* | 6.9722% | 4,150 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0957% | 1,782 |
Loan loss allowance to noncurrent loans | 177.5490% | 2,037 |
Noncurrent assets plus other real estate owned to assets | 0.7162% | 4,690 |
Noncurrent loans to loans | 1.1804% | 3,881 |
Net loans and leases to total assets | 55.4084% | 4,392 |
Net loans and leases to deposits | 71.2843% | 3,522 |
Net loans and leases to core deposits | 73.7126% | 3,817 |
Total domestic deposits to total assets | 77.7287% | 6,121 |
Equity capital to assets | 12.6626% | 1,604 |
Core capital (leverage) ratio | 9.9547% | 3,459 |
Tier 1 risk-based capital ratio | 15.7085% | 3,310 |
Total risk-based capital ratio | 16.9675% | 3,266 |
Memoranda: | ||
Average total assets | $9,338,808,400 | 117 |
Average earning assets | $8,405,924,800 | 118 |
Average equity | $1,051,217,200 | 123 |
Average total loans | $5,469,710,800 | 120 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4915% | 3,671 |
Cost of funding earning assets | 0.7867% | 3,058 |
Net interest margin | 3.7048% | 3,780 |
Noninterest income to average assets | 0.9579% | 1,647 |
Noninterest expense to average assets | 2.7987% | 3,984 |
Loan and lease loss provision to assets | 0.2695% | 2,416 |
Net operating income to assets | 4.7609% | 47 |
Return on assets (ROA) | 4.7609% | 48 |
Pretax return on assets | 1.2361% | 2,842 |
Return on Equity (ROE) | 43.6529% | 21 |
Retained earnings to average equity (ytd only) | 43.6529% | 10 |
Net charge-offs to loans | 1.6786% | 489 |
Credit loss provision to net charge-offs | 27.1844% | 4,846 |
Earnings coverage of net charge-offs (x) | 1.5186% | 4,522 |
Efficiency ratio | 64.4793% | 4,716 |
Assets per employee ($millions) | 4.7566% | 2,525 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2363% | 1,638 |
Loan loss allowance to noncurrent loans | 151.7213% | 2,263 |
Noncurrent assets plus other real estate owned to assets | 0.8990% | 4,487 |
Noncurrent loans to loans | 1.4740% | 3,580 |
Net loans and leases to total assets | 56.4872% | 4,374 |
Net loans and leases to deposits | 72.5326% | 3,528 |
Net loans and leases to core deposits | 75.0187% | 3,848 |
Total domestic deposits to total assets | 77.8784% | 6,102 |
Equity capital to assets | 12.5535% | 1,857 |
Core capital (leverage) ratio | 9.8161% | 3,795 |
Tier 1 risk-based capital ratio | 15.3322% | 3,630 |
Total risk-based capital ratio | 16.5931% | 3,579 |
Memoranda: | ||
Average total assets | $9,345,678,000 | 116 |
Average earning assets | $8,441,687,000 | 118 |
Average equity | $1,019,258,250 | 125 |
Average total loans | $5,519,714,750 | 119 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5219% | 3,676 |
Cost of funding earning assets | 0.8116% | 3,102 |
Net interest margin | 3.7103% | 3,768 |
Noninterest income to average assets | 0.9775% | 1,521 |
Noninterest expense to average assets | 2.8275% | 3,914 |
Loan and lease loss provision to assets | 0.2942% | 2,224 |
Net operating income to assets | 6.5703% | 35 |
Return on assets (ROA) | 6.5703% | 35 |
Pretax return on assets | 1.2239% | 2,825 |
Return on Equity (ROE) | 63.4891% | 10 |
Retained earnings to average equity (ytd only) | 63.4891% | 4 |
Net charge-offs to loans | 1.8162% | 487 |
Credit loss provision to net charge-offs | 27.2275% | 4,480 |
Earnings coverage of net charge-offs (x) | 1.4049% | 4,302 |
Efficiency ratio | 64.5113% | 4,799 |
Assets per employee ($millions) | 4.7052% | 2,562 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4587% | 1,339 |
Loan loss allowance to noncurrent loans | 159.8459% | 2,100 |
Noncurrent assets plus other real estate owned to assets | 0.9834% | 4,407 |
Noncurrent loans to loans | 1.5382% | 3,599 |
Net loans and leases to total assets | 57.4997% | 4,245 |
Net loans and leases to deposits | 73.5409% | 3,369 |
Net loans and leases to core deposits | 76.1164% | 3,759 |
Total domestic deposits to total assets | 78.1875% | 6,122 |
Equity capital to assets | 12.2885% | 1,940 |
Core capital (leverage) ratio | 9.8790% | 3,609 |
Tier 1 risk-based capital ratio | 14.8914% | 3,837 |
Total risk-based capital ratio | 16.1551% | 3,778 |
Memoranda: | ||
Average total assets | $9,310,433,330 | 116 |
Average earning assets | $8,451,876,330 | 116 |
Average equity | $963,516,000 | 130 |
Average total loans | $5,539,297,670 | 118 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5578% | 3,683 |
Cost of funding earning assets | 0.8536% | 3,033 |
Net interest margin | 3.7042% | 3,806 |
Noninterest income to average assets | 1.0032% | 1,416 |
Noninterest expense to average assets | 2.8572% | 3,795 |
Loan and lease loss provision to assets | 0.3623% | 1,744 |
Net operating income to assets | 1.1767% | 1,808 |
Return on assets (ROA) | 1.1767% | 1,993 |
Pretax return on assets | 1.1767% | 3,003 |
Return on Equity (ROE) | 12.5635% | 1,517 |
Retained earnings to average equity (ytd only) | 12.5635% | 743 |
Net charge-offs to loans | 2.0297% | 458 |
Credit loss provision to net charge-offs | 29.8656% | 3,627 |
Earnings coverage of net charge-offs (x) | 1.2686% | 3,696 |
Efficiency ratio | 64.4242% | 4,846 |
Assets per employee ($millions) | 4.7468% | 2,598 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7610% | 1,042 |
Loan loss allowance to noncurrent loans | 194.1664% | 1,695 |
Noncurrent assets plus other real estate owned to assets | 0.9501% | 4,608 |
Noncurrent loans to loans | 1.4220% | 3,979 |
Net loans and leases to total assets | 57.7726% | 4,072 |
Net loans and leases to deposits | 71.4142% | 3,523 |
Net loans and leases to core deposits | 74.7904% | 3,785 |
Total domestic deposits to total assets | 80.8979% | 5,636 |
Equity capital to assets | 9.4753% | 4,844 |
Core capital (leverage) ratio | 8.7615% | 5,181 |
Tier 1 risk-based capital ratio | 13.7819% | 4,625 |
Total risk-based capital ratio | 15.0495% | 4,594 |
Memoranda: | ||
Average total assets | $9,269,850,000 | 117 |
Average earning assets | $8,491,258,000 | 116 |
Average equity | $868,232,500 | 137 |
Average total loans | $5,540,813,500 | 117 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7767% | 3,916 |
Cost of funding earning assets | 1.0285% | 3,168 |
Net interest margin | 3.7482% | 4,091 |
Noninterest income to average assets | 0.8570% | 1,814 |
Noninterest expense to average assets | 2.8238% | 4,261 |
Loan and lease loss provision to assets | 1.4757% | 507 |
Net operating income to assets | 0.1910% | 5,617 |
Return on assets (ROA) | 0.1808% | 5,782 |
Pretax return on assets | -0.0275% | 6,156 |
Return on Equity (ROE) | 2.0881% | 5,623 |
Retained earnings to average equity (ytd only) | 2.0881% | 4,725 |
Net charge-offs to loans | 4.5366% | 104 |
Credit loss provision to net charge-offs | 52.9573% | 5,351 |
Earnings coverage of net charge-offs (x) | 0.5254% | 5,432 |
Efficiency ratio | 65.1055% | 4,933 |
Assets per employee ($millions) | 4.6597% | 2,671 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1178% | 735 |
Loan loss allowance to noncurrent loans | 192.3452% | 1,719 |
Noncurrent assets plus other real estate owned to assets | 1.0803% | 4,459 |
Noncurrent loans to loans | 1.6210% | 3,727 |
Net loans and leases to total assets | 58.2614% | 4,323 |
Net loans and leases to deposits | 72.0241% | 3,787 |
Net loans and leases to core deposits | 75.8679% | 3,999 |
Total domestic deposits to total assets | 80.8915% | 5,483 |
Equity capital to assets | 9.2557% | 5,203 |
Core capital (leverage) ratio | 8.4291% | 5,670 |
Tier 1 risk-based capital ratio | 13.4858% | 4,702 |
Total risk-based capital ratio | 14.7580% | 4,654 |
Memoranda: | ||
Average total assets | $9,406,383,200 | 114 |
Average earning assets | $8,609,840,800 | 111 |
Average equity | $814,601,800 | 138 |
Average total loans | $5,777,781,600 | 110 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7937% | 4,041 |
Cost of funding earning assets | 1.0600% | 3,245 |
Net interest margin | 3.7337% | 4,189 |
Noninterest income to average assets | 0.8300% | 1,928 |
Noninterest expense to average assets | 2.8342% | 4,218 |
Loan and lease loss provision to assets | 1.7458% | 352 |
Net operating income to assets | -0.0296% | 6,192 |
Return on assets (ROA) | -0.0431% | 6,308 |
Pretax return on assets | -0.3537% | 6,535 |
Return on Equity (ROE) | -0.5056% | 6,318 |
Retained earnings to average equity (ytd only) | -0.5056% | 6,068 |
Net charge-offs to loans | 5.2416% | 88 |
Credit loss provision to net charge-offs | 53.9490% | 4,948 |
Earnings coverage of net charge-offs (x) | 0.4367% | 5,297 |
Efficiency ratio | 65.9535% | 4,732 |
Assets per employee ($millions) | 4.8022% | 2,469 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3381% | 639 |
Loan loss allowance to noncurrent loans | 160.9323% | 1,898 |
Noncurrent assets plus other real estate owned to assets | 1.4123% | 4,011 |
Noncurrent loans to loans | 2.0742% | 3,272 |
Net loans and leases to total assets | 58.9244% | 4,337 |
Net loans and leases to deposits | 72.5129% | 3,888 |
Net loans and leases to core deposits | 76.4671% | 4,141 |
Total domestic deposits to total assets | 81.2606% | 5,354 |
Equity capital to assets | 8.9493% | 5,807 |
Core capital (leverage) ratio | 8.1363% | 6,235 |
Tier 1 risk-based capital ratio | 12.7004% | 5,331 |
Total risk-based capital ratio | 13.9752% | 5,291 |
Memoranda: | ||
Average total assets | $9,454,905,000 | 111 |
Average earning assets | $8,653,909,750 | 110 |
Average equity | $805,086,500 | 140 |
Average total loans | $5,837,242,750 | 108 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7976% | 4,105 |
Cost of funding earning assets | 1.0997% | 3,240 |
Net interest margin | 3.6979% | 4,269 |
Noninterest income to average assets | 0.7632% | 2,190 |
Noninterest expense to average assets | 2.9021% | 4,017 |
Loan and lease loss provision to assets | 2.2411% | 250 |
Net operating income to assets | -0.7994% | 6,871 |
Return on assets (ROA) | -0.8227% | 6,886 |
Pretax return on assets | -1.0242% | 6,903 |
Return on Equity (ROE) | -9.8267% | 6,932 |
Retained earnings to average equity (ytd only) | -9.8267% | 6,870 |
Net charge-offs to loans | 6.6662% | 63 |
Credit loss provision to net charge-offs | 54.2286% | 4,481 |
Earnings coverage of net charge-offs (x) | 0.3015% | 5,085 |
Efficiency ratio | 69.1461% | 4,299 |
Assets per employee ($millions) | 4.7274% | 2,508 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6530% | 532 |
Loan loss allowance to noncurrent loans | 170.6387% | 1,757 |
Noncurrent assets plus other real estate owned to assets | 1.4675% | 4,013 |
Noncurrent loans to loans | 2.1408% | 3,296 |
Net loans and leases to total assets | 58.8100% | 4,498 |
Net loans and leases to deposits | 72.4915% | 4,040 |
Net loans and leases to core deposits | 76.4726% | 4,253 |
Total domestic deposits to total assets | 81.1268% | 5,483 |
Equity capital to assets | 8.6614% | 5,987 |
Core capital (leverage) ratio | 7.6848% | 6,601 |
Tier 1 risk-based capital ratio | 12.2125% | 5,602 |
Total risk-based capital ratio | 13.4911% | 5,557 |
Memoranda: | ||
Average total assets | $9,488,309,670 | 112 |
Average earning assets | $8,685,058,330 | 110 |
Average equity | $794,387,670 | 141 |
Average total loans | $5,882,140,670 | 109 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7993% | 4,062 |
Cost of funding earning assets | 1.1238% | 3,343 |
Net interest margin | 3.6755% | 4,224 |
Noninterest income to average assets | 0.4028% | 4,680 |
Noninterest expense to average assets | 2.8782% | 4,153 |
Loan and lease loss provision to assets | 3.7007% | 119 |
Net operating income to assets | -2.8131% | 7,379 |
Return on assets (ROA) | -2.8293% | 7,382 |
Pretax return on assets | -2.8264% | 7,359 |
Return on Equity (ROE) | -34.9919% | 7,356 |
Retained earnings to average equity (ytd only) | -34.9919% | 7,332 |
Net charge-offs to loans | 10.7099% | 30 |
Credit loss provision to net charge-offs | 55.2323% | 3,651 |
Earnings coverage of net charge-offs (x) | 0.1329% | 4,500 |
Efficiency ratio | 75.4552% | 3,253 |
Assets per employee ($millions) | 5.0159% | 2,144 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9029% | 446 |
Loan loss allowance to noncurrent loans | 147.8978% | 2,006 |
Noncurrent assets plus other real estate owned to assets | 1.8132% | 3,549 |
Noncurrent loans to loans | 2.6389% | 2,856 |
Net loans and leases to total assets | 58.2700% | 4,601 |
Net loans and leases to deposits | 71.1703% | 4,173 |
Net loans and leases to core deposits | 75.5376% | 4,357 |
Total domestic deposits to total assets | 81.8741% | 5,357 |
Equity capital to assets | 7.8611% | 6,626 |
Core capital (leverage) ratio | 7.0292% | 6,994 |
Tier 1 risk-based capital ratio | 11.3181% | 6,239 |
Total risk-based capital ratio | 12.5998% | 6,199 |
Memoranda: | ||
Average total assets | $9,590,018,000 | 113 |
Average earning assets | $8,782,062,500 | 109 |
Average equity | $775,414,500 | 143 |
Average total loans | $5,999,634,500 | 109 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0147% | 4,485 |
Cost of funding earning assets | 1.5552% | 2,331 |
Net interest margin | 3.4596% | 5,398 |
Noninterest income to average assets | 0.4555% | 4,480 |
Noninterest expense to average assets | 2.6126% | 5,362 |
Loan and lease loss provision to assets | 3.7049% | 192 |
Net operating income to assets | -2.8203% | 7,250 |
Return on assets (ROA) | -2.6908% | 7,241 |
Pretax return on assets | -2.5652% | 7,185 |
Return on Equity (ROE) | -31.1165% | 7,248 |
Retained earnings to average equity (ytd only) | -31.1165% | 7,236 |
Net charge-offs to loans | 6.0862% | 94 |
Credit loss provision to net charge-offs | 90.3091% | 5,119 |
Earnings coverage of net charge-offs (x) | 0.2462% | 5,865 |
Efficiency ratio | 71.0951% | 3,977 |
Assets per employee ($millions) | 4.9339% | 2,239 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.7312% | 236 |
Loan loss allowance to noncurrent loans | 124.4073% | 2,361 |
Noncurrent assets plus other real estate owned to assets | 2.8650% | 2,442 |
Noncurrent loans to loans | 3.8030% | 1,942 |
Net loans and leases to total assets | 61.3896% | 4,423 |
Net loans and leases to deposits | 76.4645% | 3,770 |
Net loans and leases to core deposits | 81.9909% | 3,910 |
Total domestic deposits to total assets | 80.2852% | 5,758 |
Equity capital to assets | 8.3046% | 6,143 |
Core capital (leverage) ratio | 7.3172% | 6,833 |
Tier 1 risk-based capital ratio | 11.5073% | 5,907 |
Total risk-based capital ratio | 12.7994% | 5,871 |
Memoranda: | ||
Average total assets | $10,613,452,200 | 103 |
Average earning assets | $9,716,860,000 | 98 |
Average equity | $917,786,600 | 125 |
Average total loans | $7,154,181,000 | 97 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0047% | 4,794 |
Cost of funding earning assets | 1.6143% | 2,311 |
Net interest margin | 3.3904% | 5,712 |
Noninterest income to average assets | 0.3691% | 5,202 |
Noninterest expense to average assets | 2.5118% | 5,671 |
Loan and lease loss provision to assets | 3.2218% | 248 |
Net operating income to assets | -2.3698% | 7,318 |
Return on assets (ROA) | -2.1970% | 7,298 |
Pretax return on assets | -2.0878% | 7,222 |
Return on Equity (ROE) | -25.1829% | 7,321 |
Retained earnings to average equity (ytd only) | -25.1829% | 7,311 |
Net charge-offs to loans | 4.9893% | 177 |
Credit loss provision to net charge-offs | 94.8639% | 4,566 |
Earnings coverage of net charge-offs (x) | 0.2830% | 5,745 |
Efficiency ratio | 71.2343% | 3,845 |
Assets per employee ($millions) | 5.2602% | 1,861 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.6691% | 223 |
Loan loss allowance to noncurrent loans | 81.9159% | 3,312 |
Noncurrent assets plus other real estate owned to assets | 4.1836% | 1,642 |
Noncurrent loans to loans | 5.6999% | 1,144 |
Net loans and leases to total assets | 63.6520% | 4,194 |
Net loans and leases to deposits | 81.0147% | 3,263 |
Net loans and leases to core deposits | 89.0674% | 3,228 |
Total domestic deposits to total assets | 78.5685% | 6,129 |
Equity capital to assets | 9.1278% | 5,412 |
Core capital (leverage) ratio | 8.1031% | 6,190 |
Tier 1 risk-based capital ratio | 11.8393% | 5,598 |
Total risk-based capital ratio | 13.1304% | 5,544 |
Memoranda: | ||
Average total assets | $10,839,321,000 | 98 |
Average earning assets | $9,923,865,500 | 95 |
Average equity | $945,639,500 | 123 |
Average total loans | $7,378,489,000 | 94 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0280% | 4,813 |
Cost of funding earning assets | 1.6701% | 2,285 |
Net interest margin | 3.3578% | 5,809 |
Noninterest income to average assets | 0.2063% | 6,437 |
Noninterest expense to average assets | 2.4675% | 5,850 |
Loan and lease loss provision to assets | 3.1364% | 307 |
Net operating income to assets | -2.3757% | 7,391 |
Return on assets (ROA) | -2.1200% | 7,345 |
Pretax return on assets | -2.0671% | 7,259 |
Return on Equity (ROE) | -24.6599% | 7,366 |
Retained earnings to average equity (ytd only) | -24.6599% | 7,352 |
Net charge-offs to loans | 5.0154% | 205 |
Credit loss provision to net charge-offs | 91.3161% | 4,383 |
Earnings coverage of net charge-offs (x) | 0.2369% | 5,493 |
Efficiency ratio | 74.0028% | 3,475 |
Assets per employee ($millions) | 5.3285% | 1,781 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.4729% | 262 |
Loan loss allowance to noncurrent loans | 75.8807% | 3,572 |
Noncurrent assets plus other real estate owned to assets | 4.4064% | 1,512 |
Noncurrent loans to loans | 5.8946% | 1,093 |
Net loans and leases to total assets | 64.9853% | 4,044 |
Net loans and leases to deposits | 82.0048% | 3,273 |
Net loans and leases to core deposits | 93.5817% | 2,786 |
Total domestic deposits to total assets | 79.2458% | 5,959 |
Equity capital to assets | 8.5632% | 6,082 |
Core capital (leverage) ratio | 7.4684% | 6,851 |
Tier 1 risk-based capital ratio | 10.8398% | 6,410 |
Total risk-based capital ratio | 12.1284% | 6,361 |
Memoranda: | ||
Average total assets | $10,987,679,000 | 98 |
Average earning assets | $10,061,756,330 | 94 |
Average equity | $944,596,000 | 122 |
Average total loans | $7,524,586,670 | 93 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9631% | 5,182 |
Cost of funding earning assets | 1.7429% | 2,165 |
Net interest margin | 3.2202% | 6,228 |
Noninterest income to average assets | 0.1669% | 6,771 |
Noninterest expense to average assets | 2.3817% | 6,156 |
Loan and lease loss provision to assets | 3.6150% | 256 |
Net operating income to assets | -2.8843% | 7,624 |
Return on assets (ROA) | -2.6700% | 7,588 |
Pretax return on assets | -2.6647% | 7,540 |
Return on Equity (ROE) | -30.9999% | 7,587 |
Retained earnings to average equity (ytd only) | -30.9999% | 7,565 |
Net charge-offs to loans | 6.1148% | 173 |
Credit loss provision to net charge-offs | 86.0597% | 3,747 |
Earnings coverage of net charge-offs (x) | 0.1752% | 4,879 |
Efficiency ratio | 75.0969% | 3,385 |
Assets per employee ($millions) | 5.5949% | 1,584 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.2747% | 299 |
Loan loss allowance to noncurrent loans | 63.8817% | 4,179 |
Noncurrent assets plus other real estate owned to assets | 4.9577% | 1,303 |
Noncurrent loans to loans | 6.6916% | 924 |
Net loans and leases to total assets | 65.2239% | 4,054 |
Net loans and leases to deposits | 83.7780% | 2,973 |
Net loans and leases to core deposits | 97.8043% | 2,364 |
Total domestic deposits to total assets | 77.8532% | 6,352 |
Equity capital to assets | 8.3928% | 6,164 |
Core capital (leverage) ratio | 7.5109% | 6,841 |
Tier 1 risk-based capital ratio | 10.6683% | 6,475 |
Total risk-based capital ratio | 11.9536% | 6,426 |
Memoranda: | ||
Average total assets | $11,193,001,000 | 96 |
Average earning assets | $10,256,666,500 | 93 |
Average equity | $964,028,000 | 120 |
Average total loans | $7,689,200,000 | 90 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1562% | 5,845 |
Cost of funding earning assets | 2.1288% | 2,331 |
Net interest margin | 3.0274% | 6,579 |
Noninterest income to average assets | 0.3097% | 5,862 |
Noninterest expense to average assets | 2.6264% | 5,685 |
Loan and lease loss provision to assets | 2.7422% | 679 |
Net operating income to assets | -2.0596% | 7,118 |
Return on assets (ROA) | -2.0596% | 7,112 |
Pretax return on assets | -2.2881% | 7,057 |
Return on Equity (ROE) | -22.6060% | 7,221 |
Retained earnings to average equity (ytd only) | -22.6060% | 7,195 |
Net charge-offs to loans | 2.8224% | 783 |
Credit loss provision to net charge-offs | 135.9410% | 3,634 |
Earnings coverage of net charge-offs (x) | 0.2251% | 5,903 |
Efficiency ratio | 76.5312% | 3,433 |
Assets per employee ($millions) | 5.7080% | 1,458 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.3090% | 293 |
Loan loss allowance to noncurrent loans | 63.0512% | 4,240 |
Noncurrent assets plus other real estate owned to assets | 5.1748% | 1,160 |
Noncurrent loans to loans | 6.8341% | 846 |
Net loans and leases to total assets | 66.2588% | 4,094 |
Net loans and leases to deposits | 87.0578% | 2,725 |
Net loans and leases to core deposits | 98.5583% | 4,170 |
Total domestic deposits to total assets | 76.1089% | 6,659 |
Equity capital to assets | 8.8272% | 5,386 |
Core capital (leverage) ratio | 8.1684% | 5,870 |
Tier 1 risk-based capital ratio | 11.0051% | 5,908 |
Total risk-based capital ratio | 12.2902% | 5,849 |
Memoranda: | ||
Average total assets | $11,786,034,800 | 89 |
Average earning assets | $10,786,937,800 | 87 |
Average equity | $1,073,788,200 | 106 |
Average total loans | $8,423,769,400 | 85 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1856% | 5,935 |
Cost of funding earning assets | 2.2075% | 2,377 |
Net interest margin | 2.9782% | 6,666 |
Noninterest income to average assets | 0.4000% | 5,285 |
Noninterest expense to average assets | 2.7018% | 5,318 |
Loan and lease loss provision to assets | 2.6816% | 593 |
Net operating income to assets | -1.9546% | 7,295 |
Return on assets (ROA) | -1.9545% | 7,296 |
Pretax return on assets | -2.2579% | 7,267 |
Return on Equity (ROE) | -21.2955% | 7,417 |
Retained earnings to average equity (ytd only) | -21.2955% | 7,385 |
Net charge-offs to loans | 2.4353% | 755 |
Credit loss provision to net charge-offs | 152.9288% | 3,124 |
Earnings coverage of net charge-offs (x) | 0.2416% | 5,774 |
Efficiency ratio | 75.5045% | 3,587 |
Assets per employee ($millions) | 5.6421% | 1,482 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 4.1236% | 271 |
Loan loss allowance to noncurrent loans | 61.9269% | 4,253 |
Noncurrent assets plus other real estate owned to assets | 5.2358% | 1,109 |
Noncurrent loans to loans | 6.6588% | 852 |
Net loans and leases to total assets | 67.9937% | 3,959 |
Net loans and leases to deposits | 91.4993% | 2,319 |
Net loans and leases to core deposits | 104.3425% | 3,890 |
Total domestic deposits to total assets | 74.3106% | 6,894 |
Equity capital to assets | 9.3559% | 4,946 |
Core capital (leverage) ratio | 8.6396% | 5,242 |
Tier 1 risk-based capital ratio | 11.3764% | 5,562 |
Total risk-based capital ratio | 12.6594% | 5,466 |
Memoranda: | ||
Average total assets | $11,898,517,250 | 97 |
Average earning assets | $10,888,302,750 | 93 |
Average equity | $1,092,070,750 | 109 |
Average total loans | $8,567,364,250 | 88 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1820% | 6,140 |
Cost of funding earning assets | 2.2982% | 2,362 |
Net interest margin | 2.8838% | 6,838 |
Noninterest income to average assets | 0.3082% | 6,045 |
Noninterest expense to average assets | 2.8129% | 4,905 |
Loan and lease loss provision to assets | 2.6963% | 571 |
Net operating income to assets | -2.2955% | 7,510 |
Return on assets (ROA) | -2.2955% | 7,505 |
Pretax return on assets | -2.5615% | 7,437 |
Return on Equity (ROE) | -25.1647% | 7,631 |
Retained earnings to average equity (ytd only) | -25.1647% | 7,594 |
Net charge-offs to loans | 1.9550% | 949 |
Credit loss provision to net charge-offs | 190.6321% | 2,400 |
Earnings coverage of net charge-offs (x) | 0.0952% | 5,582 |
Efficiency ratio | 79.2864% | 3,150 |
Assets per employee ($millions) | 5.8073% | 1,338 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.9427% | 273 |
Loan loss allowance to noncurrent loans | 60.5494% | 4,423 |
Noncurrent assets plus other real estate owned to assets | 5.0937% | 1,026 |
Noncurrent loans to loans | 6.5115% | 808 |
Net loans and leases to total assets | 68.7291% | 4,018 |
Net loans and leases to deposits | 92.3501% | 2,404 |
Net loans and leases to core deposits | 107.0011% | 3,723 |
Total domestic deposits to total assets | 74.4224% | 6,883 |
Equity capital to assets | 9.0846% | 5,192 |
Core capital (leverage) ratio | 8.4192% | 5,583 |
Tier 1 risk-based capital ratio | 11.1040% | 5,772 |
Total risk-based capital ratio | 12.3846% | 5,650 |
Memoranda: | ||
Average total assets | $12,039,328,670 | 100 |
Average earning assets | $11,018,805,000 | 97 |
Average equity | $1,098,195,670 | 112 |
Average total loans | $8,710,282,000 | 91 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2456% | 6,131 |
Cost of funding earning assets | 2.3861% | 2,350 |
Net interest margin | 2.8595% | 6,853 |
Noninterest income to average assets | 0.2148% | 6,762 |
Noninterest expense to average assets | 2.1907% | 6,895 |
Loan and lease loss provision to assets | 2.0767% | 574 |
Net operating income to assets | -1.3110% | 7,418 |
Return on assets (ROA) | -1.3110% | 7,432 |
Pretax return on assets | -1.4370% | 7,344 |
Return on Equity (ROE) | -14.3448% | 7,580 |
Retained earnings to average equity (ytd only) | -14.3448% | 7,402 |
Net charge-offs to loans | 1.6478% | 879 |
Credit loss provision to net charge-offs | 173.2896% | 2,480 |
Earnings coverage of net charge-offs (x) | 0.5338% | 4,564 |
Efficiency ratio | 75.0411% | 3,656 |
Assets per employee ($millions) | 5.9820% | 1,205 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2072% | 403 |
Loan loss allowance to noncurrent loans | 56.9000% | 4,788 |
Noncurrent assets plus other real estate owned to assets | 4.4762% | 1,081 |
Noncurrent loans to loans | 5.6365% | 890 |
Net loans and leases to total assets | 69.4174% | 3,817 |
Net loans and leases to deposits | 94.3330% | 2,216 |
Net loans and leases to core deposits | 110.6852% | 3,346 |
Total domestic deposits to total assets | 73.5877% | 6,951 |
Equity capital to assets | 9.0748% | 5,260 |
Core capital (leverage) ratio | 8.3811% | 5,754 |
Tier 1 risk-based capital ratio | 10.8416% | 6,052 |
Total risk-based capital ratio | 12.1136% | 5,937 |
Memoranda: | ||
Average total assets | $12,211,037,500 | 101 |
Average earning assets | $11,169,608,000 | 97 |
Average equity | $1,116,031,000 | 113 |
Average total loans | $8,881,201,500 | 92 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1068% | 5,004 |
Cost of funding earning assets | 2.8891% | 2,312 |
Net interest margin | 3.2177% | 6,317 |
Noninterest income to average assets | 0.5639% | 4,119 |
Noninterest expense to average assets | 2.3082% | 6,674 |
Loan and lease loss provision to assets | 2.2638% | 504 |
Net operating income to assets | -1.5594% | 7,491 |
Return on assets (ROA) | -1.5594% | 7,440 |
Pretax return on assets | -1.0840% | 7,049 |
Return on Equity (ROE) | -17.1523% | 7,671 |
Retained earnings to average equity (ytd only) | -19.5464% | 7,672 |
Net charge-offs to loans | 2.0327% | 527 |
Credit loss provision to net charge-offs | 148.1276% | 3,560 |
Earnings coverage of net charge-offs (x) | 0.7719% | 5,765 |
Efficiency ratio | 60.2572% | 6,291 |
Assets per employee ($millions) | 5.9259% | 1,178 |
Cash dividends to net income (ytd only)* | -13.9581% | 7,892 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7947% | 515 |
Loan loss allowance to noncurrent loans | 66.6032% | 4,688 |
Noncurrent assets plus other real estate owned to assets | 3.5324% | 1,259 |
Noncurrent loans to loans | 4.1961% | 1,160 |
Net loans and leases to total assets | 71.6745% | 3,658 |
Net loans and leases to deposits | 98.7009% | 2,026 |
Net loans and leases to core deposits | 118.8901% | 2,798 |
Total domestic deposits to total assets | 72.6179% | 6,898 |
Equity capital to assets | 9.2037% | 5,075 |
Core capital (leverage) ratio | 8.6542% | 5,278 |
Tier 1 risk-based capital ratio | 10.8468% | 5,863 |
Total risk-based capital ratio | 12.1140% | 5,759 |
Memoranda: | ||
Average total assets | $12,404,269,200 | 96 |
Average earning assets | $11,272,302,600 | 95 |
Average equity | $1,127,758,000 | 103 |
Average total loans | $9,326,145,600 | 84 |