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FIA Card Services, Performance and Condition Ratios
| 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 | 8.3781% | 39 |
| Cost of funding earning assets | 0.2001% | 5,827 |
| Net interest margin | 8.1780% | 32 |
| Noninterest income to average assets | 2.0562% | 331 |
| Noninterest expense to average assets | 3.3729% | 1,733 |
| Loan and lease loss provision to assets | 1.5131% | 55 |
| Net operating income to assets | 3.0181% | 94 |
| Return on assets (ROA) | 3.0127% | 93 |
| Pretax return on assets | 4.9301% | 63 |
| Return on Equity (ROE) | 24.1755% | 123 |
| Retained earnings to average equity (ytd only) | 24.1755% | 38 |
| Net charge-offs to loans | 2.8853% | 40 |
| Credit loss provision to net charge-offs | 69.1074% | 2,780 |
| Earnings coverage of net charge-offs (x) | 2.9453% | 3,786 |
| Efficiency ratio | 31.1050% | 6,534 |
| Assets per employee ($millions) | 10.5228% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7688% | 192 |
| Loan loss allowance to noncurrent loans | 398.4747% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8260% | 3,351 |
| Noncurrent loans to loans | 0.9458% | 3,197 |
| Net loans and leases to total assets | 84.0409% | 335 |
| Net loans and leases to deposits | 115.6836% | 135 |
| Net loans and leases to core deposits | 126.1667% | 281 |
| Total domestic deposits to total assets | 66.6110% | 6,391 |
| Equity capital to assets | 14.5417% | 845 |
| Core capital (leverage) ratio | 13.4552% | 1,015 |
| Tier 1 risk-based capital ratio | 17.0631% | 2,595 |
| Total risk-based capital ratio | 18.3432% | 2,532 |
| Memoranda: | ||
| Average total assets | $148,038,250,000 | 14 |
| Average earning assets | $140,569,250,000 | 14 |
| Average equity | $18,448,000,000 | 16 |
| Average total loans | $112,337,750,000 | 10 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9799% | 46 |
| Cost of funding earning assets | 0.1779% | 6,084 |
| Net interest margin | 7.8020% | 37 |
| Noninterest income to average assets | 2.4727% | 244 |
| Noninterest expense to average assets | 3.2041% | 2,183 |
| Loan and lease loss provision to assets | 1.4357% | 64 |
| Net operating income to assets | 3.2106% | 83 |
| Return on assets (ROA) | 3.1809% | 86 |
| Pretax return on assets | 5.2151% | 60 |
| Return on Equity (ROE) | 26.7443% | 85 |
| Retained earnings to average equity (ytd only) | 26.7443% | 39 |
| Net charge-offs to loans | 2.9784% | 54 |
| Credit loss provision to net charge-offs | 66.2500% | 2,531 |
| Earnings coverage of net charge-offs (x) | 3.0827% | 3,392 |
| Efficiency ratio | 29.3097% | 6,610 |
| Assets per employee ($millions) | 12.5124% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9262% | 180 |
| Loan loss allowance to noncurrent loans | 394.4245% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 3,757 |
| Noncurrent loans to loans | 0.9954% | 3,246 |
| Net loans and leases to total assets | 71.0470% | 1,914 |
| Net loans and leases to deposits | 91.7237% | 1,184 |
| Net loans and leases to core deposits | 100.1745% | 1,274 |
| Total domestic deposits to total assets | 73.2282% | 6,173 |
| Equity capital to assets | 11.6191% | 2,308 |
| Core capital (leverage) ratio | 12.0532% | 1,624 |
| Tier 1 risk-based capital ratio | 15.6845% | 3,254 |
| Total risk-based capital ratio | 16.9654% | 3,177 |
| Memoranda: | ||
| Average total assets | $155,051,000,000 | 14 |
| Average earning assets | $147,295,333,330 | 14 |
| Average equity | $18,441,333,330 | 16 |
| Average total loans | $112,813,000,000 | 10 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9844% | 41 |
| Cost of funding earning assets | 0.1851% | 6,115 |
| Net interest margin | 7.7993% | 34 |
| Noninterest income to average assets | 3.2373% | 173 |
| Noninterest expense to average assets | 3.2118% | 2,193 |
| Loan and lease loss provision to assets | 1.8568% | 41 |
| Net operating income to assets | 3.4818% | 75 |
| Return on assets (ROA) | 3.4818% | 78 |
| Pretax return on assets | 5.5729% | 54 |
| Return on Equity (ROE) | 28.9527% | 78 |
| Retained earnings to average equity (ytd only) | 28.9527% | 42 |
| Net charge-offs to loans | 3.1121% | 60 |
| Credit loss provision to net charge-offs | 82.6531% | 1,875 |
| Earnings coverage of net charge-offs (x) | 3.3073% | 2,704 |
| Efficiency ratio | 27.3097% | 6,689 |
| Assets per employee ($millions) | 12.7091% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3148% | 153 |
| Loan loss allowance to noncurrent loans | 387.6923% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 3,760 |
| Noncurrent loans to loans | 1.1130% | 3,196 |
| Net loans and leases to total assets | 68.1498% | 2,194 |
| Net loans and leases to deposits | 88.7910% | 1,277 |
| Net loans and leases to core deposits | 96.6485% | 1,338 |
| Total domestic deposits to total assets | 72.8750% | 6,313 |
| Equity capital to assets | 11.8343% | 1,992 |
| Core capital (leverage) ratio | 12.1933% | 1,538 |
| Tier 1 risk-based capital ratio | 16.4292% | 2,932 |
| Total risk-based capital ratio | 17.6956% | 2,895 |
| Memoranda: | ||
| Average total assets | $157,045,500,000 | 14 |
| Average earning assets | $149,090,000,000 | 14 |
| Average equity | $18,886,000,000 | 15 |
| Average total loans | $113,364,000,000 | 10 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0497% | 49 |
| Cost of funding earning assets | 0.2386% | 6,040 |
| Net interest margin | 7.8111% | 36 |
| Noninterest income to average assets | 1.8244% | 454 |
| Noninterest expense to average assets | 3.1465% | 2,607 |
| Loan and lease loss provision to assets | 1.7174% | 64 |
| Net operating income to assets | 2.7139% | 138 |
| Return on assets (ROA) | 2.6672% | 147 |
| Pretax return on assets | 4.2906% | 66 |
| Return on Equity (ROE) | 21.8039% | 204 |
| Retained earnings to average equity (ytd only) | 21.8039% | 68 |
| Net charge-offs to loans | 3.4632% | 57 |
| Credit loss provision to net charge-offs | 69.2694% | 3,326 |
| Earnings coverage of net charge-offs (x) | 2.4421% | 4,194 |
| Efficiency ratio | 30.4763% | 6,759 |
| Assets per employee ($millions) | 13.1350% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2656% | 165 |
| Loan loss allowance to noncurrent loans | 367.6843% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.8491% | 3,766 |
| Noncurrent loans to loans | 1.1601% | 3,223 |
| Net loans and leases to total assets | 70.0133% | 2,007 |
| Net loans and leases to deposits | 92.0465% | 1,043 |
| Net loans and leases to core deposits | 100.4186% | 1,121 |
| Total domestic deposits to total assets | 72.2667% | 6,407 |
| Equity capital to assets | 12.2143% | 1,672 |
| Core capital (leverage) ratio | 12.8989% | 1,178 |
| Tier 1 risk-based capital ratio | 16.8202% | 2,695 |
| Total risk-based capital ratio | 18.0926% | 2,643 |
| Memoranda: | ||
| Average total assets | $160,653,123,800 | 14 |
| Average earning assets | $151,720,055,800 | 13 |
| Average equity | $19,652,412,800 | 12 |
| Average total loans | $115,008,157,400 | 10 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0572% | 45 |
| Cost of funding earning assets | 0.2487% | 6,097 |
| Net interest margin | 7.8085% | 36 |
| Noninterest income to average assets | 1.6935% | 527 |
| Noninterest expense to average assets | 3.0793% | 2,726 |
| Loan and lease loss provision to assets | 1.9399% | 43 |
| Net operating income to assets | 2.4906% | 174 |
| Return on assets (ROA) | 2.4517% | 189 |
| Pretax return on assets | 4.0079% | 78 |
| Return on Equity (ROE) | 20.0346% | 295 |
| Retained earnings to average equity (ytd only) | 20.0346% | 79 |
| Net charge-offs to loans | 3.5510% | 55 |
| Credit loss provision to net charge-offs | 76.7168% | 2,926 |
| Earnings coverage of net charge-offs (x) | 2.3676% | 4,045 |
| Efficiency ratio | 30.1988% | 6,831 |
| Assets per employee ($millions) | 12.8386% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8181% | 132 |
| Loan loss allowance to noncurrent loans | 399.5591% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 3,947 |
| Noncurrent loans to loans | 1.2059% | 3,409 |
| Net loans and leases to total assets | 68.4179% | 2,237 |
| Net loans and leases to deposits | 91.5558% | 1,017 |
| Net loans and leases to core deposits | 100.2061% | 1,101 |
| Total domestic deposits to total assets | 71.2106% | 6,539 |
| Equity capital to assets | 11.4339% | 2,350 |
| Core capital (leverage) ratio | 11.8239% | 1,794 |
| Tier 1 risk-based capital ratio | 15.6956% | 3,355 |
| Total risk-based capital ratio | 16.9734% | 3,293 |
| Memoranda: | ||
| Average total assets | $161,243,904,750 | 14 |
| Average earning assets | $152,240,819,750 | 13 |
| Average equity | $19,732,016,000 | 11 |
| Average total loans | $114,819,696,750 | 10 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9971% | 47 |
| Cost of funding earning assets | 0.2567% | 6,127 |
| Net interest margin | 7.7405% | 37 |
| Noninterest income to average assets | 1.6969% | 571 |
| Noninterest expense to average assets | 3.0703% | 2,759 |
| Loan and lease loss provision to assets | 2.1223% | 46 |
| Net operating income to assets | 2.3645% | 198 |
| Return on assets (ROA) | 2.2969% | 227 |
| Pretax return on assets | 3.7417% | 96 |
| Return on Equity (ROE) | 18.3813% | 432 |
| Retained earnings to average equity (ytd only) | 18.3813% | 117 |
| Net charge-offs to loans | 3.7464% | 65 |
| Credit loss provision to net charge-offs | 79.7966% | 2,628 |
| Earnings coverage of net charge-offs (x) | 2.2302% | 3,782 |
| Efficiency ratio | 30.3374% | 6,878 |
| Assets per employee ($millions) | 12.4069% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0467% | 110 |
| Loan loss allowance to noncurrent loans | 368.5918% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9733% | 3,827 |
| Noncurrent loans to loans | 1.3692% | 3,262 |
| Net loans and leases to total assets | 67.4991% | 2,337 |
| Net loans and leases to deposits | 92.3449% | 930 |
| Net loans and leases to core deposits | 107.9573% | 650 |
| Total domestic deposits to total assets | 69.6795% | 6,667 |
| Equity capital to assets | 12.2489% | 1,742 |
| Core capital (leverage) ratio | 12.7095% | 1,284 |
| Tier 1 risk-based capital ratio | 16.7729% | 2,799 |
| Total risk-based capital ratio | 18.0539% | 2,760 |
| Memoranda: | ||
| Average total assets | $162,653,206,330 | 14 |
| Average earning assets | $153,505,093,000 | 12 |
| Average equity | $20,325,021,330 | 11 |
| Average total loans | $115,471,262,330 | 9 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9989% | 42 |
| Cost of funding earning assets | 0.2645% | 6,196 |
| Net interest margin | 7.7344% | 34 |
| Noninterest income to average assets | 1.5993% | 611 |
| Noninterest expense to average assets | 2.9584% | 3,129 |
| Loan and lease loss provision to assets | 2.1260% | 54 |
| Net operating income to assets | 2.3032% | 202 |
| Return on assets (ROA) | 2.2595% | 240 |
| Pretax return on assets | 3.7812% | 94 |
| Return on Equity (ROE) | 17.9116% | 441 |
| Retained earnings to average equity (ytd only) | 17.9116% | 203 |
| Net charge-offs to loans | 3.7936% | 74 |
| Credit loss provision to net charge-offs | 78.9901% | 2,165 |
| Earnings coverage of net charge-offs (x) | 2.2110% | 3,100 |
| Efficiency ratio | 29.4470% | 6,963 |
| Assets per employee ($millions) | 12.1504% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2099% | 118 |
| Loan loss allowance to noncurrent loans | 326.9444% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 3,713 |
| Noncurrent loans to loans | 1.5935% | 3,147 |
| Net loans and leases to total assets | 66.0254% | 2,366 |
| Net loans and leases to deposits | 92.9930% | 731 |
| Net loans and leases to core deposits | 108.7962% | 536 |
| Total domestic deposits to total assets | 67.7489% | 6,809 |
| Equity capital to assets | 12.4905% | 1,721 |
| Core capital (leverage) ratio | 12.7228% | 1,236 |
| Tier 1 risk-based capital ratio | 17.3590% | 2,622 |
| Total risk-based capital ratio | 18.6417% | 2,569 |
| Memoranda: | ||
| Average total assets | $164,817,309,500 | 14 |
| Average earning assets | $155,772,139,500 | 12 |
| Average equity | $20,791,032,000 | 11 |
| Average total loans | $116,932,893,500 | 9 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8661% | 37 |
| Cost of funding earning assets | 0.4186% | 5,797 |
| Net interest margin | 8.4474% | 30 |
| Noninterest income to average assets | 1.3790% | 823 |
| Noninterest expense to average assets | 3.4450% | 1,957 |
| Loan and lease loss provision to assets | 1.9472% | 115 |
| Net operating income to assets | 2.5519% | 145 |
| Return on assets (ROA) | 2.5573% | 158 |
| Pretax return on assets | 3.9166% | 80 |
| Return on Equity (ROE) | 19.3343% | 330 |
| Retained earnings to average equity (ytd only) | 19.3343% | 66 |
| Net charge-offs to loans | 4.5608% | 45 |
| Credit loss provision to net charge-offs | 54.8141% | 4,584 |
| Earnings coverage of net charge-offs (x) | 1.6491% | 4,617 |
| Efficiency ratio | 32.7537% | 7,008 |
| Assets per employee ($millions) | 12.3535% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0925% | 125 |
| Loan loss allowance to noncurrent loans | 317.1366% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 1.1594% | 3,723 |
| Noncurrent loans to loans | 1.6058% | 3,217 |
| Net loans and leases to total assets | 68.5221% | 2,097 |
| Net loans and leases to deposits | 97.7020% | 522 |
| Net loans and leases to core deposits | 115.9760% | 360 |
| Total domestic deposits to total assets | 66.7576% | 6,883 |
| Equity capital to assets | 12.7347% | 1,574 |
| Core capital (leverage) ratio | 13.6663% | 898 |
| Tier 1 risk-based capital ratio | 17.3338% | 2,511 |
| Total risk-based capital ratio | 18.6166% | 2,472 |
| Memoranda: | ||
| Average total assets | $162,582,798,600 | 14 |
| Average earning assets | $152,514,187,000 | 12 |
| Average equity | $21,504,860,600 | 10 |
| Average total loans | $126,635,377,000 | 8 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0254% | 35 |
| Cost of funding earning assets | 0.4328% | 5,919 |
| Net interest margin | 8.5926% | 28 |
| Noninterest income to average assets | 1.4281% | 735 |
| Noninterest expense to average assets | 3.5637% | 1,624 |
| Loan and lease loss provision to assets | 1.9661% | 128 |
| Net operating income to assets | 2.5238% | 164 |
| Return on assets (ROA) | 2.4775% | 197 |
| Pretax return on assets | 3.8941% | 85 |
| Return on Equity (ROE) | 18.5514% | 439 |
| Retained earnings to average equity (ytd only) | 18.5514% | 106 |
| Net charge-offs to loans | 4.7688% | 48 |
| Credit loss provision to net charge-offs | 51.9479% | 4,352 |
| Earnings coverage of net charge-offs (x) | 1.5606% | 4,499 |
| Efficiency ratio | 33.3828% | 7,102 |
| Assets per employee ($millions) | 11.7377% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3389% | 114 |
| Loan loss allowance to noncurrent loans | 322.7094% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 1.2558% | 3,791 |
| Noncurrent loans to loans | 1.6544% | 3,310 |
| Net loans and leases to total assets | 71.8550% | 1,577 |
| Net loans and leases to deposits | 106.8325% | 223 |
| Net loans and leases to core deposits | 130.7789% | 183 |
| Total domestic deposits to total assets | 63.5093% | 7,026 |
| Equity capital to assets | 12.5882% | 1,830 |
| Core capital (leverage) ratio | 13.4646% | 1,026 |
| Tier 1 risk-based capital ratio | 16.3966% | 3,064 |
| Total risk-based capital ratio | 17.6825% | 3,006 |
| Memoranda: | ||
| Average total assets | $161,362,593,500 | 13 |
| Average earning assets | $151,026,414,000 | 12 |
| Average equity | $21,549,559,750 | 10 |
| Average total loans | $128,067,524,500 | 7 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0991% | 34 |
| Cost of funding earning assets | 0.4432% | 6,011 |
| Net interest margin | 8.6559% | 26 |
| Noninterest income to average assets | 1.5364% | 624 |
| Noninterest expense to average assets | 3.6766% | 1,420 |
| Loan and lease loss provision to assets | 1.9963% | 144 |
| Net operating income to assets | 2.5033% | 177 |
| Return on assets (ROA) | 2.4328% | 221 |
| Pretax return on assets | 3.8735% | 88 |
| Return on Equity (ROE) | 17.8733% | 523 |
| Retained earnings to average equity (ytd only) | 17.8733% | 148 |
| Net charge-offs to loans | 4.9723% | 62 |
| Credit loss provision to net charge-offs | 49.8589% | 4,041 |
| Earnings coverage of net charge-offs (x) | 1.4836% | 4,253 |
| Efficiency ratio | 34.0279% | 7,138 |
| Assets per employee ($millions) | 10.9894% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7006% | 95 |
| Loan loss allowance to noncurrent loans | 316.7147% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 1.4440% | 3,544 |
| Noncurrent loans to loans | 1.7999% | 3,217 |
| Net loans and leases to total assets | 75.6535% | 1,013 |
| Net loans and leases to deposits | 115.4016% | 95 |
| Net loans and leases to core deposits | 139.9209% | 148 |
| Total domestic deposits to total assets | 64.8834% | 7,069 |
| Equity capital to assets | 12.8308% | 1,602 |
| Core capital (leverage) ratio | 13.1850% | 1,097 |
| Tier 1 risk-based capital ratio | 16.0046% | 3,168 |
| Total risk-based capital ratio | 17.3731% | 3,075 |
| Memoranda: | ||
| Average total assets | $161,184,249,330 | 13 |
| Average earning assets | $150,471,134,670 | 12 |
| Average equity | $21,939,425,670 | 10 |
| Average total loans | $129,792,474,670 | 7 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1706% | 33 |
| Cost of funding earning assets | 0.4675% | 6,036 |
| Net interest margin | 8.7032% | 26 |
| Noninterest income to average assets | 0.9777% | 1,487 |
| Noninterest expense to average assets | 3.4342% | 1,927 |
| Loan and lease loss provision to assets | 1.7099% | 191 |
| Net operating income to assets | 2.4947% | 182 |
| Return on assets (ROA) | 2.4600% | 236 |
| Pretax return on assets | 3.9070% | 94 |
| Return on Equity (ROE) | 17.5940% | 596 |
| Retained earnings to average equity (ytd only) | 17.5940% | 279 |
| Net charge-offs to loans | 5.0350% | 91 |
| Credit loss provision to net charge-offs | 42.0999% | 3,420 |
| Earnings coverage of net charge-offs (x) | 1.3915% | 3,630 |
| Efficiency ratio | 33.4181% | 7,208 |
| Assets per employee ($millions) | 10.4523% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0537% | 84 |
| Loan loss allowance to noncurrent loans | 293.8779% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 1.6483% | 3,381 |
| Noncurrent loans to loans | 2.0599% | 3,079 |
| Net loans and leases to total assets | 75.1706% | 897 |
| Net loans and leases to deposits | 119.1956% | 76 |
| Net loans and leases to core deposits | 146.1501% | 123 |
| Total domestic deposits to total assets | 62.1214% | 7,169 |
| Equity capital to assets | 13.6783% | 1,156 |
| Core capital (leverage) ratio | 13.8668% | 838 |
| Tier 1 risk-based capital ratio | 16.9912% | 2,685 |
| Total risk-based capital ratio | 18.3619% | 2,603 |
| Memoranda: | ||
| Average total assets | $163,922,103,000 | 13 |
| Average earning assets | $152,713,549,500 | 11 |
| Average equity | $22,919,801,500 | 10 |
| Average total loans | $132,228,647,500 | 7 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3049% | 27 |
| Cost of funding earning assets | 0.6690% | 5,715 |
| Net interest margin | 9.6359% | 25 |
| Noninterest income to average assets | 1.7579% | 462 |
| Noninterest expense to average assets | 3.5352% | 1,900 |
| Loan and lease loss provision to assets | 2.0618% | 273 |
| Net operating income to assets | 3.1845% | 74 |
| Return on assets (ROA) | 3.1143% | 79 |
| Pretax return on assets | 4.8898% | 63 |
| Return on Equity (ROE) | 21.8576% | 188 |
| Retained earnings to average equity (ytd only) | 21.8576% | 37 |
| Net charge-offs to loans | 7.3908% | 21 |
| Credit loss provision to net charge-offs | 33.8482% | 5,730 |
| Earnings coverage of net charge-offs (x) | 1.1526% | 4,927 |
| Efficiency ratio | 29.4198% | 7,300 |
| Assets per employee ($millions) | 9.9354% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4249% | 67 |
| Loan loss allowance to noncurrent loans | 293.6622% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 1.7786% | 3,284 |
| Noncurrent loans to loans | 2.1878% | 2,965 |
| Net loans and leases to total assets | 76.0696% | 944 |
| Net loans and leases to deposits | 133.5088% | 46 |
| Net loans and leases to core deposits | 154.4468% | 121 |
| Total domestic deposits to total assets | 55.4916% | 7,267 |
| Equity capital to assets | 14.2748% | 977 |
| Core capital (leverage) ratio | 14.2173% | 771 |
| Tier 1 risk-based capital ratio | 17.6187% | 2,339 |
| Total risk-based capital ratio | 18.9917% | 2,259 |
| Memoranda: | ||
| Average total assets | $183,229,722,400 | 10 |
| Average earning assets | $167,296,865,400 | 9 |
| Average equity | $26,107,135,800 | 8 |
| Average total loans | $151,013,636,600 | 7 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3591% | 29 |
| Cost of funding earning assets | 0.7055% | 5,728 |
| Net interest margin | 9.6536% | 25 |
| Noninterest income to average assets | 1.7389% | 461 |
| Noninterest expense to average assets | 3.5281% | 1,863 |
| Loan and lease loss provision to assets | 2.0612% | 253 |
| Net operating income to assets | 3.1697% | 86 |
| Return on assets (ROA) | 3.1187% | 92 |
| Pretax return on assets | 4.8744% | 63 |
| Return on Equity (ROE) | 21.8970% | 223 |
| Retained earnings to average equity (ytd only) | 21.8970% | 54 |
| Net charge-offs to loans | 7.9527% | 25 |
| Credit loss provision to net charge-offs | 31.3523% | 5,393 |
| Earnings coverage of net charge-offs (x) | 1.0625% | 4,834 |
| Efficiency ratio | 29.5265% | 7,371 |
| Assets per employee ($millions) | 9.2164% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6954% | 52 |
| Loan loss allowance to noncurrent loans | 309.0269% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 1.7932% | 3,405 |
| Noncurrent loans to loans | 2.1666% | 3,157 |
| Net loans and leases to total assets | 77.2253% | 807 |
| Net loans and leases to deposits | 145.4602% | 29 |
| Net loans and leases to core deposits | 171.5501% | 86 |
| Total domestic deposits to total assets | 50.5677% | 7,357 |
| Equity capital to assets | 14.7298% | 923 |
| Core capital (leverage) ratio | 14.5995% | 752 |
| Tier 1 risk-based capital ratio | 17.6377% | 2,383 |
| Total risk-based capital ratio | 19.1371% | 2,260 |
| Memoranda: | ||
| Average total assets | $187,285,956,500 | 9 |
| Average earning assets | $170,231,898,000 | 9 |
| Average equity | $26,674,030,750 | 7 |
| Average total loans | $154,826,426,000 | 6 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4173% | 31 |
| Cost of funding earning assets | 0.7221% | 5,825 |
| Net interest margin | 9.6952% | 28 |
| Noninterest income to average assets | 1.7974% | 422 |
| Noninterest expense to average assets | 3.4286% | 2,188 |
| Loan and lease loss provision to assets | 1.4675% | 486 |
| Net operating income to assets | 3.6539% | 72 |
| Return on assets (ROA) | 3.6515% | 74 |
| Pretax return on assets | 5.6732% | 57 |
| Return on Equity (ROE) | 25.9115% | 116 |
| Retained earnings to average equity (ytd only) | 25.9115% | 49 |
| Net charge-offs to loans | 7.8855% | 42 |
| Credit loss provision to net charge-offs | 22.5200% | 5,098 |
| Earnings coverage of net charge-offs (x) | 1.0959% | 4,457 |
| Efficiency ratio | 28.4964% | 7,447 |
| Assets per employee ($millions) | 9.3644% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3911% | 44 |
| Loan loss allowance to noncurrent loans | 303.2143% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 1.9799% | 3,261 |
| Noncurrent loans to loans | 2.4376% | 2,949 |
| Net loans and leases to total assets | 75.2200% | 1,200 |
| Net loans and leases to deposits | 147.9176% | 29 |
| Net loans and leases to core deposits | 172.0498% | 95 |
| Total domestic deposits to total assets | 48.8973% | 7,435 |
| Equity capital to assets | 15.3195% | 743 |
| Core capital (leverage) ratio | 15.5580% | 567 |
| Tier 1 risk-based capital ratio | 19.1657% | 1,796 |
| Total risk-based capital ratio | 20.6792% | 1,701 |
| Memoranda: | ||
| Average total assets | $190,892,198,000 | 8 |
| Average earning assets | $172,719,172,330 | 8 |
| Average equity | $26,900,971,330 | 7 |
| Average total loans | $157,749,761,670 | 6 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5887% | 33 |
| Cost of funding earning assets | 0.7486% | 5,866 |
| Net interest margin | 9.8401% | 27 |
| Noninterest income to average assets | 1.7314% | 457 |
| Noninterest expense to average assets | 3.5280% | 1,934 |
| Loan and lease loss provision to assets | 1.9166% | 292 |
| Net operating income to assets | 3.3102% | 99 |
| Return on assets (ROA) | 3.3116% | 101 |
| Pretax return on assets | 5.1572% | 74 |
| Return on Equity (ROE) | 24.5384% | 179 |
| Retained earnings to average equity (ytd only) | 24.5384% | 105 |
| Net charge-offs to loans | 8.3192% | 54 |
| Credit loss provision to net charge-offs | 27.6477% | 4,157 |
| Earnings coverage of net charge-offs (x) | 1.0197% | 3,891 |
| Efficiency ratio | 29.4001% | 7,498 |
| Assets per employee ($millions) | 8.9441% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8033% | 28 |
| Loan loss allowance to noncurrent loans | 312.1097% | 993 |
| Noncurrent assets plus other real estate owned to assets | 2.3394% | 2,905 |
| Noncurrent loans to loans | 2.8206% | 2,675 |
| Net loans and leases to total assets | 75.6374% | 1,085 |
| Net loans and leases to deposits | 151.4058% | 30 |
| Net loans and leases to core deposits | 176.0690% | 98 |
| Total domestic deposits to total assets | 48.0922% | 7,492 |
| Equity capital to assets | 14.2090% | 943 |
| Core capital (leverage) ratio | 14.2096% | 800 |
| Tier 1 risk-based capital ratio | 17.5816% | 2,258 |
| Total risk-based capital ratio | 19.1748% | 2,105 |
| Memoranda: | ||
| Average total assets | $192,690,114,500 | 7 |
| Average earning assets | $173,594,099,000 | 7 |
| Average equity | $26,005,002,000 | 7 |
| Average total loans | $160,560,479,000 | 6 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.7411% | 25 |
| Cost of funding earning assets | 0.9575% | 5,898 |
| Net interest margin | 11.7836% | 21 |
| Noninterest income to average assets | 1.6822% | 521 |
| Noninterest expense to average assets | 3.4203% | 2,379 |
| Loan and lease loss provision to assets | 7.1888% | 24 |
| Net operating income to assets | 1.1172% | 1,648 |
| Return on assets (ROA) | 1.2570% | 1,348 |
| Pretax return on assets | 1.7315% | 890 |
| Return on Equity (ROE) | 8.9345% | 2,324 |
| Retained earnings to average equity (ytd only) | 8.9345% | 724 |
| Net charge-offs to loans | 12.4673% | 9 |
| Credit loss provision to net charge-offs | 65.3281% | 5,975 |
| Earnings coverage of net charge-offs (x) | 0.7934% | 5,334 |
| Efficiency ratio | 24.1122% | 7,612 |
| Assets per employee ($millions) | 9.1409% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7881% | 23 |
| Loan loss allowance to noncurrent loans | 328.9736% | 941 |
| Noncurrent assets plus other real estate owned to assets | 2.4903% | 2,780 |
| Noncurrent loans to loans | 2.9753% | 2,569 |
| Net loans and leases to total assets | 75.5045% | 1,375 |
| Net loans and leases to deposits | 152.9524% | 32 |
| Net loans and leases to core deposits | 178.8975% | 111 |
| Total domestic deposits to total assets | 47.1556% | 7,571 |
| Equity capital to assets | 12.8120% | 1,483 |
| Core capital (leverage) ratio | 13.2053% | 1,058 |
| Tier 1 risk-based capital ratio | 15.2893% | 3,105 |
| Total risk-based capital ratio | 16.9278% | 2,868 |
| Memoranda: | ||
| Average total assets | $178,314,280,600 | 8 |
| Average earning assets | $158,409,594,800 | 8 |
| Average equity | $25,087,084,400 | 7 |
| Average total loans | $157,386,434,000 | 6 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6233% | 24 |
| Cost of funding earning assets | 1.0000% | 5,938 |
| Net interest margin | 12.6233% | 18 |
| Noninterest income to average assets | 1.6136% | 541 |
| Noninterest expense to average assets | 3.4041% | 2,280 |
| Loan and lease loss provision to assets | 8.2193% | 15 |
| Net operating income to assets | 0.7538% | 3,202 |
| Return on assets (ROA) | 0.9150% | 2,696 |
| Pretax return on assets | 1.4488% | 1,751 |
| Return on Equity (ROE) | 6.3431% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.3431% | 2,182 |
| Net charge-offs to loans | 13.6512% | 11 |
| Credit loss provision to net charge-offs | 67.2304% | 5,494 |
| Earnings coverage of net charge-offs (x) | 0.7701% | 5,292 |
| Efficiency ratio | 22.6274% | 7,717 |
| Assets per employee ($millions) | 8.5101% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6109% | 18 |
| Loan loss allowance to noncurrent loans | 350.0190% | 853 |
| Noncurrent assets plus other real estate owned to assets | 2.6616% | 2,711 |
| Noncurrent loans to loans | 3.0315% | 2,629 |
| Net loans and leases to total assets | 78.4809% | 957 |
| Net loans and leases to deposits | 176.6780% | 28 |
| Net loans and leases to core deposits | 217.9254% | 73 |
| Total domestic deposits to total assets | 42.4253% | 7,678 |
| Equity capital to assets | 12.7111% | 1,748 |
| Core capital (leverage) ratio | 13.0066% | 1,227 |
| Tier 1 risk-based capital ratio | 14.9704% | 3,263 |
| Total risk-based capital ratio | 16.7528% | 2,964 |
| Memoranda: | ||
| Average total assets | $173,705,702,250 | 8 |
| Average earning assets | $154,196,453,750 | 8 |
| Average equity | $25,057,021,000 | 7 |
| Average total loans | $155,564,993,750 | 7 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3761% | 20 |
| Cost of funding earning assets | 1.0941% | 5,706 |
| Net interest margin | 13.2820% | 16 |
| Noninterest income to average assets | 2.1726% | 313 |
| Noninterest expense to average assets | 3.5856% | 1,818 |
| Loan and lease loss provision to assets | 8.9698% | 10 |
| Net operating income to assets | 0.7902% | 3,010 |
| Return on assets (ROA) | 1.0410% | 2,119 |
| Pretax return on assets | 1.7368% | 986 |
| Return on Equity (ROE) | 6.9073% | 3,350 |
| Retained earnings to average equity (ytd only) | 6.9073% | 1,881 |
| Net charge-offs to loans | 15.4153% | 9 |
| Credit loss provision to net charge-offs | 64.4957% | 5,110 |
| Earnings coverage of net charge-offs (x) | 0.7416% | 5,011 |
| Efficiency ratio | 22.0535% | 7,787 |
| Assets per employee ($millions) | 7.9659% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.8990% | 15 |
| Loan loss allowance to noncurrent loans | 321.8135% | 915 |
| Noncurrent assets plus other real estate owned to assets | 3.0984% | 2,288 |
| Noncurrent loans to loans | 3.3867% | 2,356 |
| Net loans and leases to total assets | 81.5146% | 592 |
| Net loans and leases to deposits | 197.7355% | 25 |
| Net loans and leases to core deposits | 245.6031% | 63 |
| Total domestic deposits to total assets | 39.4105% | 7,756 |
| Equity capital to assets | 12.7009% | 1,682 |
| Core capital (leverage) ratio | 12.8691% | 1,253 |
| Tier 1 risk-based capital ratio | 14.5319% | 3,430 |
| Total risk-based capital ratio | 16.3118% | 3,089 |
| Memoranda: | ||
| Average total assets | $168,235,759,670 | 8 |
| Average earning assets | $148,533,738,670 | 8 |
| Average equity | $25,354,088,670 | 7 |
| Average total loans | $151,781,451,000 | 7 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.0420% | 14 |
| Cost of funding earning assets | 1.2333% | 5,216 |
| Net interest margin | 14.8087% | 12 |
| Noninterest income to average assets | 2.2707% | 286 |
| Noninterest expense to average assets | 3.8273% | 1,282 |
| Loan and lease loss provision to assets | 9.2714% | 38 |
| Net operating income to assets | 1.2686% | 1,366 |
| Return on assets (ROA) | 1.2771% | 1,415 |
| Pretax return on assets | 2.1143% | 493 |
| Return on Equity (ROE) | 7.7558% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.7558% | 1,810 |
| Net charge-offs to loans | 16.9486% | 14 |
| Credit loss provision to net charge-offs | 61.1385% | 4,277 |
| Earnings coverage of net charge-offs (x) | 0.7499% | 4,359 |
| Efficiency ratio | 21.5413% | 7,895 |
| Assets per employee ($millions) | 7.8834% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4182% | 14 |
| Loan loss allowance to noncurrent loans | 287.7447% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 3.7061% | 1,887 |
| Noncurrent loans to loans | 3.9682% | 1,977 |
| Net loans and leases to total assets | 82.7326% | 500 |
| Net loans and leases to deposits | 202.8263% | 28 |
| Net loans and leases to core deposits | 249.8168% | 74 |
| Total domestic deposits to total assets | 39.0976% | 7,858 |
| Equity capital to assets | 12.2769% | 1,893 |
| Core capital (leverage) ratio | 11.3824% | 1,977 |
| Tier 1 risk-based capital ratio | 12.8828% | 4,416 |
| Total risk-based capital ratio | 14.6986% | 3,983 |
| Memoranda: | ||
| Average total assets | $158,813,743,000 | 10 |
| Average earning assets | $138,643,712,500 | 9 |
| Average equity | $26,150,739,000 | 6 |
| Average total loans | $142,096,594,000 | 7 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2931% | 25 |
| Cost of funding earning assets | 0.7702% | 7,596 |
| Net interest margin | 11.5229% | 19 |
| Noninterest income to average assets | 3.1998% | 216 |
| Noninterest expense to average assets | 19.6479% | 47 |
| Loan and lease loss provision to assets | 13.2529% | 6 |
| Net operating income to assets | -18.1747% | 8,003 |
| Return on assets (ROA) | -18.1694% | 8,003 |
| Pretax return on assets | -20.2000% | 8,005 |
| Return on Equity (ROE) | -78.3752% | 7,856 |
| Retained earnings to average equity (ytd only) | -78.3752% | 7,853 |
| Net charge-offs to loans | 13.2568% | 17 |
| Credit loss provision to net charge-offs | 121.7238% | 4,363 |
| Earnings coverage of net charge-offs (x) | -0.6386% | 6,771 |
| Efficiency ratio | 31.0250% | 7,933 |
| Assets per employee ($millions) | 5.1024% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.2660% | 15 |
| Loan loss allowance to noncurrent loans | 285.7718% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 3.5811% | 1,868 |
| Noncurrent loans to loans | 4.2923% | 1,685 |
| Net loans and leases to total assets | 73.1980% | 2,451 |
| Net loans and leases to deposits | 121.2136% | 160 |
| Net loans and leases to core deposits | 129.0900% | 1,329 |
| Total domestic deposits to total assets | 57.1112% | 7,841 |
| Equity capital to assets | 22.9184% | 205 |
| Core capital (leverage) ratio | 23.0832% | 191 |
| Tier 1 risk-based capital ratio | 15.1995% | 2,842 |
| Total risk-based capital ratio | 16.9931% | 2,564 |
| Memoranda: | ||
| Average total assets | $135,357,994,600 | 14 |
| Average earning assets | $111,540,512,800 | 14 |
| Average equity | $31,379,414,800 | 6 |
| Average total loans | $111,168,559,200 | 9 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4153% | 25 |
| Cost of funding earning assets | 0.7972% | 7,695 |
| Net interest margin | 11.6182% | 19 |
| Noninterest income to average assets | 3.3532% | 195 |
| Noninterest expense to average assets | 24.0734% | 45 |
| Loan and lease loss provision to assets | 13.6379% | 8 |
| Net operating income to assets | -22.8624% | 8,091 |
| Return on assets (ROA) | -22.8565% | 8,090 |
| Pretax return on assets | -24.8451% | 8,091 |
| Return on Equity (ROE) | -98.3399% | 8,008 |
| Retained earnings to average equity (ytd only) | -98.3399% | 8,005 |
| Net charge-offs to loans | 13.1877% | 22 |
| Credit loss provision to net charge-offs | 126.3704% | 3,980 |
| Earnings coverage of net charge-offs (x) | -1.0391% | 6,637 |
| Efficiency ratio | 29.2162% | 8,015 |
| Assets per employee ($millions) | 5.2486% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7558% | 12 |
| Loan loss allowance to noncurrent loans | 280.7689% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 3.3519% | 2,008 |
| Noncurrent loans to loans | 4.1870% | 1,727 |
| Net loans and leases to total assets | 70.6407% | 3,349 |
| Net loans and leases to deposits | 124.4160% | 143 |
| Net loans and leases to core deposits | 135.0190% | 1,151 |
| Total domestic deposits to total assets | 52.4775% | 7,960 |
| Equity capital to assets | 22.3230% | 237 |
| Core capital (leverage) ratio | 21.5060% | 247 |
| Tier 1 risk-based capital ratio | 14.5473% | 3,250 |
| Total risk-based capital ratio | 16.4257% | 2,905 |
| Memoranda: | ||
| Average total assets | $137,936,335,250 | 15 |
| Average earning assets | $112,868,403,750 | 15 |
| Average equity | $32,059,704,250 | 6 |
| Average total loans | $112,878,945,000 | 8 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8662% | 24 |
| Cost of funding earning assets | 0.8135% | 7,804 |
| Net interest margin | 12.0527% | 16 |
| Noninterest income to average assets | 3.9802% | 166 |
| Noninterest expense to average assets | 33.5853% | 35 |
| Loan and lease loss provision to assets | 15.1780% | 10 |
| Net operating income to assets | -32.8421% | 8,191 |
| Return on assets (ROA) | -32.8406% | 8,191 |
| Pretax return on assets | -35.1197% | 8,191 |
| Return on Equity (ROE) | -139.5420% | 8,118 |
| Retained earnings to average equity (ytd only) | -139.5420% | 8,116 |
| Net charge-offs to loans | 12.2797% | 36 |
| Credit loss provision to net charge-offs | 150.0016% | 3,067 |
| Earnings coverage of net charge-offs (x) | -1.9709% | 6,347 |
| Efficiency ratio | 28.0385% | 8,114 |
| Assets per employee ($millions) | 4.7048% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0123% | 10 |
| Loan loss allowance to noncurrent loans | 257.2996% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 4.1287% | 1,411 |
| Noncurrent loans to loans | 4.6686% | 1,361 |
| Net loans and leases to total assets | 77.8098% | 1,793 |
| Net loans and leases to deposits | 1,114.6564% | 14 |
| Net loans and leases to core deposits | 3,758.7962% | 14 |
| Total domestic deposits to total assets | 2.1318% | 8,181 |
| Equity capital to assets | 19.8687% | 394 |
| Core capital (leverage) ratio | 17.7644% | 534 |
| Tier 1 risk-based capital ratio | 11.7122% | 5,185 |
| Total risk-based capital ratio | 13.5692% | 4,582 |
| Memoranda: | ||
| Average total assets | $139,566,415,000 | 14 |
| Average earning assets | $111,881,616,000 | 15 |
| Average equity | $32,846,332,330 | 6 |
| Average total loans | $115,003,520,330 | 8 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2597% | 22 |
| Cost of funding earning assets | 0.8428% | 7,873 |
| Net interest margin | 12.4169% | 14 |
| Noninterest income to average assets | 4.6384% | 140 |
| Noninterest expense to average assets | 37.0618% | 37 |
| Loan and lease loss provision to assets | 16.1533% | 17 |
| Net operating income to assets | -36.4828% | 8,239 |
| Return on assets (ROA) | -36.4829% | 8,238 |
| Pretax return on assets | -38.8893% | 8,238 |
| Return on Equity (ROE) | -145.5508% | 8,179 |
| Retained earnings to average equity (ytd only) | -145.5508% | 8,176 |
| Net charge-offs to loans | 10.4477% | 58 |
| Credit loss provision to net charge-offs | 193.5503% | 2,282 |
| Earnings coverage of net charge-offs (x) | -2.7242% | 5,507 |
| Efficiency ratio | 27.6043% | 8,164 |
| Assets per employee ($millions) | 5.0701% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.1675% | 10 |
| Loan loss allowance to noncurrent loans | 241.6534% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 3.7591% | 1,405 |
| Noncurrent loans to loans | 4.6213% | 1,223 |
| Net loans and leases to total assets | 72.2570% | 3,190 |
| Net loans and leases to deposits | 1,129.8277% | 13 |
| Net loans and leases to core deposits | 2,751.0529% | 14 |
| Total domestic deposits to total assets | 2.6265% | 8,230 |
| Equity capital to assets | 24.4936% | 232 |
| Core capital (leverage) ratio | 16.2684% | 745 |
| Tier 1 risk-based capital ratio | 11.5937% | 5,315 |
| Total risk-based capital ratio | 13.4738% | 4,680 |
| Memoranda: | ||
| Average total assets | $147,678,725,000 | 12 |
| Average earning assets | $115,218,232,000 | 14 |
| Average equity | $37,016,281,500 | 6 |
| Average total loans | $117,968,108,500 | 8 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0772% | 20 |
| Cost of funding earning assets | 2.7970% | 2,721 |
| Net interest margin | 11.2802% | 21 |
| Noninterest income to average assets | 5.2841% | 121 |
| Noninterest expense to average assets | 4.3211% | 1,020 |
| Loan and lease loss provision to assets | 7.9974% | 23 |
| Net operating income to assets | 1.0541% | 2,336 |
| Return on assets (ROA) | 1.2170% | 1,668 |
| Pretax return on assets | 1.7581% | 1,032 |
| Return on Equity (ROE) | 4.6621% | 4,531 |
| Retained earnings to average equity (ytd only) | -3.1736% | 6,146 |
| Net charge-offs to loans | 6.9090% | 41 |
| Credit loss provision to net charge-offs | 149.2620% | 3,531 |
| Earnings coverage of net charge-offs (x) | 1.7767% | 5,188 |
| Efficiency ratio | 26.5287% | 8,244 |
| Assets per employee ($millions) | 5.7175% | 1,314 |
| Cash dividends to net income (ytd only)* | 168.0735% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1402% | 20 |
| Loan loss allowance to noncurrent loans | 231.5027% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 2.7653% | 1,707 |
| Noncurrent loans to loans | 3.5162% | 1,438 |
| Net loans and leases to total assets | 72.2396% | 3,531 |
| Net loans and leases to deposits | 1,174.7574% | 14 |
| Net loans and leases to core deposits | 20,059.4227% | 5 |
| Total domestic deposits to total assets | 0.3601% | 8,300 |
| Equity capital to assets | 25.5515% | 257 |
| Core capital (leverage) ratio | 14.2717% | 1,199 |
| Tier 1 risk-based capital ratio | 13.8935% | 3,594 |
| Total risk-based capital ratio | 16.2305% | 2,971 |
| Memoranda: | ||
| Average total assets | $161,335,893,200 | 11 |
| Average earning assets | $122,380,227,000 | 12 |
| Average equity | $42,114,785,800 | 6 |
| Average total loans | $125,116,100,200 | 8 |