Home > First Citizens Bank and Trust Company, Inc. > Performance and Condition Ratios
First Citizens Bank and Trust Company, Inc., Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7897% | 6,480 |
| Cost of funding earning assets | 0.0133% | 6,474 |
| Net interest margin | 0.7764% | 6,478 |
| Noninterest income to average assets | 0.4148% | 4,080 |
| Noninterest expense to average assets | 0.7987% | 6,470 |
| Loan and lease loss provision to assets | 0.0536% | 3,487 |
| Net operating income to assets | 0.1527% | 5,868 |
| Return on assets (ROA) | 0.1525% | 5,916 |
| Pretax return on assets | 0.2713% | 5,756 |
| Return on Equity (ROE) | 1.5330% | 5,883 |
| Retained earnings to average equity (ytd only) | -4.7823% | 6,171 |
| Net charge-offs to loans | 0.0111% | 4,686 |
| Credit loss provision to net charge-offs | 874.9511% | 313 |
| Earnings coverage of net charge-offs (x) | 53.0881% | 885 |
| Efficiency ratio | 66.0476% | 4,238 |
| Assets per employee ($millions) | 5.2962% | 1,967 |
| Cash dividends to net income (ytd only)* | 411.9585% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0848% | 6,435 |
| Loan loss allowance to noncurrent loans | 7.4908% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 2,748 |
| Noncurrent loans to loans | 1.1324% | 2,572 |
| Net loans and leases to total assets | 55.8831% | 4,354 |
| Net loans and leases to deposits | 63.3601% | 4,594 |
| Net loans and leases to core deposits | 63.7858% | 4,844 |
| Total domestic deposits to total assets | 88.1991% | 1,663 |
| Equity capital to assets | 8.4135% | 5,817 |
| Core capital (leverage) ratio | 7.8944% | 6,058 |
| Tier 1 risk-based capital ratio | 15.1119% | 3,431 |
| Total risk-based capital ratio | 15.2035% | 4,053 |
| Memoranda: | ||
| Average total assets | $8,340,860,400 | 125 |
| Average earning assets | $7,617,572,200 | 122 |
| Average equity | $829,682,600 | 151 |
| Average total loans | $4,586,469,200 | 153 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9212% | 6,187 |
| Cost of funding earning assets | 0.0872% | 6,445 |
| Net interest margin | 2.8340% | 5,818 |
| Noninterest income to average assets | 1.4830% | 574 |
| Noninterest expense to average assets | 5.7532% | 200 |
| Loan and lease loss provision to assets | -0.0414% | 6,157 |
| Net operating income to assets | -2.0484% | 6,530 |
| Return on assets (ROA) | -1.9360% | 6,524 |
| Pretax return on assets | -1.5343% | 6,489 |
| Return on Equity (ROE) | -18.7401% | 6,503 |
| Retained earnings to average equity (ytd only) | -21.2163% | 6,496 |
| Net charge-offs to loans | 0.1238% | 2,574 |
| Credit loss provision to net charge-offs | -61.0233% | 5,375 |
| Earnings coverage of net charge-offs (x) | -24.8946% | 4,657 |
| Efficiency ratio | 75.4636% | 2,580 |
| Assets per employee ($millions) | 5.1497% | 2,079 |
| Cash dividends to net income (ytd only)* | -13.2130% | 6,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 5,079 |
| Loan loss allowance to noncurrent loans | 37.3480% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 2.0468% | 1,386 |
| Noncurrent loans to loans | 2.7573% | 1,019 |
| Net loans and leases to total assets | 55.8552% | 4,350 |
| Net loans and leases to deposits | 63.9001% | 4,549 |
| Net loans and leases to core deposits | 64.5328% | 4,836 |
| Total domestic deposits to total assets | 87.4102% | 2,086 |
| Equity capital to assets | 9.0775% | 5,269 |
| Core capital (leverage) ratio | 9.1254% | 4,887 |
| Tier 1 risk-based capital ratio | 17.4282% | 2,422 |
| Total risk-based capital ratio | 18.5503% | 2,433 |
| Memoranda: | ||
| Average total assets | $8,339,370,250 | 125 |
| Average earning assets | $7,598,326,000 | 121 |
| Average equity | $861,537,750 | 149 |
| Average total loans | $4,565,981,000 | 150 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9146% | 6,248 |
| Cost of funding earning assets | 0.0922% | 6,501 |
| Net interest margin | 2.8223% | 5,859 |
| Noninterest income to average assets | 1.4269% | 595 |
| Noninterest expense to average assets | 2.9265% | 3,080 |
| Loan and lease loss provision to assets | -0.0354% | 6,272 |
| Net operating income to assets | 0.7001% | 3,839 |
| Return on assets (ROA) | 0.7987% | 3,448 |
| Pretax return on assets | 1.2454% | 2,481 |
| Return on Equity (ROE) | 7.4361% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.8806% | 1,824 |
| Net charge-offs to loans | 0.1428% | 2,246 |
| Credit loss provision to net charge-offs | -45.6984% | 5,154 |
| Earnings coverage of net charge-offs (x) | 13.6457% | 1,968 |
| Efficiency ratio | 72.9812% | 3,164 |
| Assets per employee ($millions) | 5.0475% | 2,150 |
| Cash dividends to net income (ytd only)* | 7.4696% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 4,963 |
| Loan loss allowance to noncurrent loans | 35.2348% | 5,637 |
| Noncurrent assets plus other real estate owned to assets | 2.2475% | 1,339 |
| Noncurrent loans to loans | 3.0807% | 926 |
| Net loans and leases to total assets | 54.2697% | 4,508 |
| Net loans and leases to deposits | 63.0687% | 4,586 |
| Net loans and leases to core deposits | 63.7013% | 4,840 |
| Total domestic deposits to total assets | 86.0485% | 3,018 |
| Equity capital to assets | 10.9841% | 2,892 |
| Core capital (leverage) ratio | 9.3109% | 4,570 |
| Tier 1 risk-based capital ratio | 17.9761% | 2,254 |
| Total risk-based capital ratio | 19.1833% | 2,234 |
| Memoranda: | ||
| Average total assets | $8,381,237,000 | 125 |
| Average earning assets | $7,589,072,670 | 122 |
| Average equity | $900,181,670 | 144 |
| Average total loans | $4,542,789,670 | 151 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8557% | 6,357 |
| Cost of funding earning assets | 0.0987% | 6,568 |
| Net interest margin | 2.7570% | 6,021 |
| Noninterest income to average assets | 1.3913% | 599 |
| Noninterest expense to average assets | 2.8947% | 3,236 |
| Loan and lease loss provision to assets | 0.0069% | 3,733 |
| Net operating income to assets | 0.6298% | 4,045 |
| Return on assets (ROA) | 0.7907% | 3,268 |
| Pretax return on assets | 1.2336% | 2,334 |
| Return on Equity (ROE) | 7.4462% | 3,238 |
| Retained earnings to average equity (ytd only) | 6.3234% | 2,368 |
| Net charge-offs to loans | 0.1891% | 1,596 |
| Credit loss provision to net charge-offs | 6.7416% | 2,638 |
| Earnings coverage of net charge-offs (x) | 9.7097% | 1,915 |
| Efficiency ratio | 74.0170% | 3,143 |
| Assets per employee ($millions) | 5.0618% | 2,172 |
| Cash dividends to net income (ytd only)* | 15.0784% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 4,800 |
| Loan loss allowance to noncurrent loans | 33.2772% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 2.4810% | 1,294 |
| Noncurrent loans to loans | 3.5031% | 831 |
| Net loans and leases to total assets | 52.6664% | 4,585 |
| Net loans and leases to deposits | 60.8142% | 4,678 |
| Net loans and leases to core deposits | 61.4744% | 4,928 |
| Total domestic deposits to total assets | 86.6021% | 3,045 |
| Equity capital to assets | 10.5977% | 3,147 |
| Core capital (leverage) ratio | 9.0974% | 4,876 |
| Tier 1 risk-based capital ratio | 17.7265% | 2,400 |
| Total risk-based capital ratio | 18.9770% | 2,370 |
| Memoranda: | ||
| Average total assets | $8,387,488,000 | 125 |
| Average earning assets | $7,582,749,500 | 123 |
| Average equity | $890,658,000 | 145 |
| Average total loans | $4,518,421,500 | 151 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0106% | 6,332 |
| Cost of funding earning assets | 0.1327% | 6,600 |
| Net interest margin | 2.8779% | 5,829 |
| Noninterest income to average assets | 1.4834% | 637 |
| Noninterest expense to average assets | 3.1242% | 2,660 |
| Loan and lease loss provision to assets | 0.0977% | 3,171 |
| Net operating income to assets | 0.5633% | 4,442 |
| Return on assets (ROA) | 0.6297% | 4,227 |
| Pretax return on assets | 0.9589% | 3,518 |
| Return on Equity (ROE) | 6.0239% | 4,066 |
| Retained earnings to average equity (ytd only) | 4.7471% | 2,777 |
| Net charge-offs to loans | 0.3691% | 1,833 |
| Credit loss provision to net charge-offs | 49.5692% | 3,828 |
| Earnings coverage of net charge-offs (x) | 4.8497% | 3,436 |
| Efficiency ratio | 76.0279% | 2,765 |
| Assets per employee ($millions) | 4.9094% | 2,300 |
| Cash dividends to net income (ytd only)* | 21.1958% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 4,632 |
| Loan loss allowance to noncurrent loans | 31.1092% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 2.6025% | 1,306 |
| Noncurrent loans to loans | 3.8745% | 765 |
| Net loans and leases to total assets | 53.8085% | 4,604 |
| Net loans and leases to deposits | 62.1338% | 4,707 |
| Net loans and leases to core deposits | 62.8310% | 4,987 |
| Total domestic deposits to total assets | 86.6010% | 2,936 |
| Equity capital to assets | 10.6405% | 2,986 |
| Core capital (leverage) ratio | 9.1233% | 4,819 |
| Tier 1 risk-based capital ratio | 17.0868% | 2,570 |
| Total risk-based capital ratio | 18.3375% | 2,544 |
| Memoranda: | ||
| Average total assets | $8,241,838,600 | 126 |
| Average earning assets | $7,437,178,800 | 126 |
| Average equity | $861,518,000 | 141 |
| Average total loans | $4,401,608,600 | 146 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0379% | 6,384 |
| Cost of funding earning assets | 0.1405% | 6,670 |
| Net interest margin | 2.8973% | 5,822 |
| Noninterest income to average assets | 1.4723% | 680 |
| Noninterest expense to average assets | 3.0916% | 2,684 |
| Loan and lease loss provision to assets | 0.0613% | 3,818 |
| Net operating income to assets | 0.6146% | 4,283 |
| Return on assets (ROA) | 0.7014% | 3,985 |
| Pretax return on assets | 1.0666% | 3,235 |
| Return on Equity (ROE) | 6.7410% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.0272% | 3,059 |
| Net charge-offs to loans | 0.3429% | 1,832 |
| Credit loss provision to net charge-offs | 33.6448% | 3,827 |
| Earnings coverage of net charge-offs (x) | 5.4682% | 3,184 |
| Efficiency ratio | 75.0834% | 2,891 |
| Assets per employee ($millions) | 4.7566% | 2,497 |
| Cash dividends to net income (ytd only)* | 25.4229% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 4,678 |
| Loan loss allowance to noncurrent loans | 28.9547% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 2.9274% | 1,269 |
| Noncurrent loans to loans | 4.2945% | 792 |
| Net loans and leases to total assets | 53.8721% | 4,630 |
| Net loans and leases to deposits | 62.6590% | 4,677 |
| Net loans and leases to core deposits | 63.4310% | 4,955 |
| Total domestic deposits to total assets | 85.9765% | 3,261 |
| Equity capital to assets | 10.7066% | 3,061 |
| Core capital (leverage) ratio | 9.0973% | 4,973 |
| Tier 1 risk-based capital ratio | 17.3493% | 2,559 |
| Total risk-based capital ratio | 18.6008% | 2,533 |
| Memoranda: | ||
| Average total assets | $8,224,383,500 | 126 |
| Average earning assets | $7,424,505,000 | 125 |
| Average equity | $855,796,750 | 141 |
| Average total loans | $4,370,275,000 | 144 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9501% | 6,490 |
| Cost of funding earning assets | 0.1483% | 6,716 |
| Net interest margin | 2.8017% | 5,999 |
| Noninterest income to average assets | 1.4799% | 722 |
| Noninterest expense to average assets | 3.0765% | 2,739 |
| Loan and lease loss provision to assets | 0.0174% | 4,552 |
| Net operating income to assets | 0.6016% | 4,270 |
| Return on assets (ROA) | 0.7332% | 3,810 |
| Pretax return on assets | 1.1144% | 3,037 |
| Return on Equity (ROE) | 7.1142% | 3,541 |
| Retained earnings to average equity (ytd only) | 5.7026% | 2,610 |
| Net charge-offs to loans | 0.3397% | 1,825 |
| Credit loss provision to net charge-offs | 9.7439% | 3,905 |
| Earnings coverage of net charge-offs (x) | 5.2109% | 2,943 |
| Efficiency ratio | 76.1873% | 2,754 |
| Assets per employee ($millions) | 4.7234% | 2,482 |
| Cash dividends to net income (ytd only)* | 19.8419% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 4,580 |
| Loan loss allowance to noncurrent loans | 26.5760% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 3.2067% | 1,238 |
| Noncurrent loans to loans | 4.8339% | 690 |
| Net loans and leases to total assets | 52.4202% | 4,801 |
| Net loans and leases to deposits | 60.8668% | 4,880 |
| Net loans and leases to core deposits | 61.6684% | 5,125 |
| Total domestic deposits to total assets | 86.1227% | 3,300 |
| Equity capital to assets | 10.3771% | 3,459 |
| Core capital (leverage) ratio | 8.8846% | 5,166 |
| Tier 1 risk-based capital ratio | 17.6206% | 2,468 |
| Total risk-based capital ratio | 18.8729% | 2,432 |
| Memoranda: | ||
| Average total assets | $8,248,225,330 | 127 |
| Average earning assets | $7,445,134,000 | 125 |
| Average equity | $850,097,330 | 139 |
| Average total loans | $4,344,562,000 | 144 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9891% | 6,527 |
| Cost of funding earning assets | 0.1587% | 6,775 |
| Net interest margin | 2.8304% | 5,972 |
| Noninterest income to average assets | 1.4333% | 742 |
| Noninterest expense to average assets | 3.1520% | 2,508 |
| Loan and lease loss provision to assets | 0.0244% | 4,163 |
| Net operating income to assets | 0.5302% | 4,535 |
| Return on assets (ROA) | 0.6771% | 3,954 |
| Pretax return on assets | 1.0307% | 3,222 |
| Return on Equity (ROE) | 6.5926% | 3,717 |
| Retained earnings to average equity (ytd only) | 4.4711% | 3,553 |
| Net charge-offs to loans | 0.2639% | 1,903 |
| Credit loss provision to net charge-offs | 17.6285% | 3,072 |
| Earnings coverage of net charge-offs (x) | 6.0136% | 2,286 |
| Efficiency ratio | 78.5480% | 2,524 |
| Assets per employee ($millions) | 4.7105% | 2,634 |
| Cash dividends to net income (ytd only)* | 32.1796% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4053% | 4,203 |
| Loan loss allowance to noncurrent loans | 29.0532% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 3.2154% | 1,357 |
| Noncurrent loans to loans | 4.8370% | 802 |
| Net loans and leases to total assets | 50.8579% | 4,870 |
| Net loans and leases to deposits | 58.9000% | 4,922 |
| Net loans and leases to core deposits | 59.6672% | 5,177 |
| Total domestic deposits to total assets | 86.3461% | 3,334 |
| Equity capital to assets | 10.2212% | 3,880 |
| Core capital (leverage) ratio | 8.6663% | 5,369 |
| Tier 1 risk-based capital ratio | 17.4505% | 2,581 |
| Total risk-based capital ratio | 18.7046% | 2,538 |
| Memoranda: | ||
| Average total assets | $8,260,643,500 | 129 |
| Average earning assets | $7,445,899,500 | 128 |
| Average equity | $848,472,000 | 142 |
| Average total loans | $4,333,436,500 | 148 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4408% | 6,429 |
| Cost of funding earning assets | 0.2447% | 6,693 |
| Net interest margin | 3.1961% | 5,580 |
| Noninterest income to average assets | 1.4634% | 732 |
| Noninterest expense to average assets | 3.0966% | 2,931 |
| Loan and lease loss provision to assets | 0.2452% | 2,694 |
| Net operating income to assets | 0.6300% | 4,088 |
| Return on assets (ROA) | 0.7517% | 3,748 |
| Pretax return on assets | 1.1651% | 2,925 |
| Return on Equity (ROE) | 6.9002% | 3,699 |
| Retained earnings to average equity (ytd only) | -3.9227% | 6,352 |
| Net charge-offs to loans | 0.6329% | 1,855 |
| Credit loss provision to net charge-offs | 70.9623% | 4,128 |
| Earnings coverage of net charge-offs (x) | 3.5403% | 3,688 |
| Efficiency ratio | 71.1147% | 3,605 |
| Assets per employee ($millions) | 4.6055% | 2,774 |
| Cash dividends to net income (ytd only)* | 156.8494% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 3,987 |
| Loan loss allowance to noncurrent loans | 27.9965% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 3.6617% | 1,214 |
| Noncurrent loans to loans | 5.1313% | 761 |
| Net loans and leases to total assets | 52.5839% | 4,827 |
| Net loans and leases to deposits | 61.1149% | 4,896 |
| Net loans and leases to core deposits | 61.9850% | 5,161 |
| Total domestic deposits to total assets | 86.0411% | 3,341 |
| Equity capital to assets | 10.3222% | 3,731 |
| Core capital (leverage) ratio | 8.6404% | 5,408 |
| Tier 1 risk-based capital ratio | 17.0453% | 2,631 |
| Total risk-based capital ratio | 18.3000% | 2,594 |
| Memoranda: | ||
| Average total assets | $8,185,142,400 | 127 |
| Average earning assets | $7,314,905,200 | 128 |
| Average equity | $891,628,000 | 138 |
| Average total loans | $4,467,620,800 | 135 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4993% | 6,513 |
| Cost of funding earning assets | 0.2605% | 6,770 |
| Net interest margin | 3.2388% | 5,589 |
| Noninterest income to average assets | 1.4711% | 691 |
| Noninterest expense to average assets | 3.0248% | 3,154 |
| Loan and lease loss provision to assets | 0.2802% | 2,326 |
| Net operating income to assets | 0.6730% | 4,032 |
| Return on assets (ROA) | 0.8313% | 3,542 |
| Pretax return on assets | 1.3055% | 2,593 |
| Return on Equity (ROE) | 7.5327% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.0637% | 4,028 |
| Net charge-offs to loans | 0.6264% | 1,756 |
| Credit loss provision to net charge-offs | 81.4848% | 3,579 |
| Earnings coverage of net charge-offs (x) | 3.8922% | 3,474 |
| Efficiency ratio | 68.7432% | 3,922 |
| Assets per employee ($millions) | 4.6408% | 2,686 |
| Cash dividends to net income (ytd only)* | 46.0522% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 3,903 |
| Loan loss allowance to noncurrent loans | 56.7899% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 2.3678% | 2,243 |
| Noncurrent loans to loans | 2.6625% | 2,127 |
| Net loans and leases to total assets | 53.2086% | 4,875 |
| Net loans and leases to deposits | 62.9339% | 4,853 |
| Net loans and leases to core deposits | 63.9694% | 5,148 |
| Total domestic deposits to total assets | 84.5467% | 3,954 |
| Equity capital to assets | 11.1430% | 3,106 |
| Core capital (leverage) ratio | 9.4528% | 4,347 |
| Tier 1 risk-based capital ratio | 18.4569% | 2,182 |
| Total risk-based capital ratio | 19.7128% | 2,145 |
| Memoranda: | ||
| Average total assets | $8,184,303,750 | 127 |
| Average earning assets | $7,307,982,750 | 126 |
| Average equity | $903,226,500 | 137 |
| Average total loans | $4,492,378,250 | 134 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5367% | 6,564 |
| Cost of funding earning assets | 0.2773% | 6,806 |
| Net interest margin | 3.2594% | 5,565 |
| Noninterest income to average assets | 1.4854% | 659 |
| Noninterest expense to average assets | 2.9861% | 3,310 |
| Loan and lease loss provision to assets | 0.3445% | 1,912 |
| Net operating income to assets | 0.6685% | 4,023 |
| Return on assets (ROA) | 0.8010% | 3,644 |
| Pretax return on assets | 1.2657% | 2,668 |
| Return on Equity (ROE) | 7.2813% | 3,626 |
| Retained earnings to average equity (ytd only) | 3.1673% | 4,510 |
| Net charge-offs to loans | 0.7138% | 1,552 |
| Credit loss provision to net charge-offs | 87.4550% | 3,115 |
| Earnings coverage of net charge-offs (x) | 3.5624% | 3,334 |
| Efficiency ratio | 67.4374% | 4,248 |
| Assets per employee ($millions) | 4.6135% | 2,697 |
| Cash dividends to net income (ytd only)* | 56.5006% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 3,806 |
| Loan loss allowance to noncurrent loans | 59.6397% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 2.4667% | 2,264 |
| Noncurrent loans to loans | 2.5922% | 2,317 |
| Net loans and leases to total assets | 53.6213% | 4,859 |
| Net loans and leases to deposits | 62.8028% | 4,900 |
| Net loans and leases to core deposits | 63.8864% | 5,221 |
| Total domestic deposits to total assets | 85.3805% | 3,675 |
| Equity capital to assets | 11.0228% | 3,093 |
| Core capital (leverage) ratio | 9.2913% | 4,465 |
| Tier 1 risk-based capital ratio | 17.9394% | 2,312 |
| Total risk-based capital ratio | 19.1956% | 2,278 |
| Memoranda: | ||
| Average total assets | $8,175,875,330 | 126 |
| Average earning assets | $7,284,005,330 | 127 |
| Average equity | $899,371,670 | 137 |
| Average total loans | $4,511,415,000 | 132 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 6,540 |
| Cost of funding earning assets | 0.2939% | 6,861 |
| Net interest margin | 3.3341% | 5,352 |
| Noninterest income to average assets | 1.4819% | 660 |
| Noninterest expense to average assets | 2.9861% | 3,306 |
| Loan and lease loss provision to assets | 0.2080% | 2,869 |
| Net operating income to assets | 0.7936% | 3,404 |
| Return on assets (ROA) | 0.8945% | 3,163 |
| Pretax return on assets | 1.4135% | 2,150 |
| Return on Equity (ROE) | 8.1401% | 3,222 |
| Retained earnings to average equity (ytd only) | 5.9122% | 3,013 |
| Net charge-offs to loans | 0.4881% | 1,869 |
| Credit loss provision to net charge-offs | 76.7383% | 2,789 |
| Earnings coverage of net charge-offs (x) | 5.3997% | 2,382 |
| Efficiency ratio | 66.5170% | 4,458 |
| Assets per employee ($millions) | 4.6004% | 2,806 |
| Cash dividends to net income (ytd only)* | 27.3688% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5503% | 3,940 |
| Loan loss allowance to noncurrent loans | 52.9804% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.6864% | 2,193 |
| Noncurrent loans to loans | 2.9262% | 2,211 |
| Net loans and leases to total assets | 53.7352% | 4,766 |
| Net loans and leases to deposits | 63.0320% | 4,768 |
| Net loans and leases to core deposits | 64.2549% | 5,082 |
| Total domestic deposits to total assets | 85.2507% | 3,909 |
| Equity capital to assets | 10.9742% | 2,934 |
| Core capital (leverage) ratio | 9.2001% | 4,516 |
| Tier 1 risk-based capital ratio | 17.7952% | 2,362 |
| Total risk-based capital ratio | 19.0787% | 2,329 |
| Memoranda: | ||
| Average total assets | $8,169,340,500 | 126 |
| Average earning assets | $7,272,702,000 | 127 |
| Average equity | $897,732,000 | 134 |
| Average total loans | $4,537,138,000 | 132 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9023% | 6,611 |
| Cost of funding earning assets | 0.4834% | 6,604 |
| Net interest margin | 3.4189% | 5,429 |
| Noninterest income to average assets | 1.3348% | 727 |
| Noninterest expense to average assets | 2.9739% | 3,692 |
| Loan and lease loss provision to assets | 0.2833% | 3,398 |
| Net operating income to assets | 0.7040% | 3,469 |
| Return on assets (ROA) | 0.7081% | 3,632 |
| Pretax return on assets | 1.0903% | 2,873 |
| Return on Equity (ROE) | 6.7797% | 3,498 |
| Retained earnings to average equity (ytd only) | 5.4533% | 2,335 |
| Net charge-offs to loans | 0.7358% | 2,309 |
| Credit loss provision to net charge-offs | 67.8858% | 4,933 |
| Earnings coverage of net charge-offs (x) | 3.2763% | 3,575 |
| Efficiency ratio | 67.8786% | 4,391 |
| Assets per employee ($millions) | 4.7116% | 2,580 |
| Cash dividends to net income (ytd only)* | 19.5635% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5497% | 3,795 |
| Loan loss allowance to noncurrent loans | 51.3160% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 2.8964% | 2,085 |
| Noncurrent loans to loans | 3.0199% | 2,153 |
| Net loans and leases to total assets | 55.6355% | 4,775 |
| Net loans and leases to deposits | 65.5256% | 4,801 |
| Net loans and leases to core deposits | 66.9365% | 5,160 |
| Total domestic deposits to total assets | 84.9065% | 3,898 |
| Equity capital to assets | 11.0041% | 2,976 |
| Core capital (leverage) ratio | 9.0920% | 4,633 |
| Tier 1 risk-based capital ratio | 17.3198% | 2,457 |
| Total risk-based capital ratio | 18.6033% | 2,407 |
| Memoranda: | ||
| Average total assets | $8,301,063,600 | 124 |
| Average earning assets | $7,299,354,600 | 125 |
| Average equity | $867,050,200 | 132 |
| Average total loans | $4,707,871,800 | 127 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 6,661 |
| Cost of funding earning assets | 0.5241% | 6,606 |
| Net interest margin | 3.4253% | 5,487 |
| Noninterest income to average assets | 1.3278% | 741 |
| Noninterest expense to average assets | 2.9041% | 3,913 |
| Loan and lease loss provision to assets | 0.2756% | 3,309 |
| Net operating income to assets | 0.7364% | 3,444 |
| Return on assets (ROA) | 0.7492% | 3,545 |
| Pretax return on assets | 1.1729% | 2,730 |
| Return on Equity (ROE) | 7.2669% | 3,394 |
| Retained earnings to average equity (ytd only) | 5.4858% | 2,867 |
| Net charge-offs to loans | 0.7777% | 2,004 |
| Credit loss provision to net charge-offs | 62.4430% | 4,732 |
| Earnings coverage of net charge-offs (x) | 3.2361% | 3,531 |
| Efficiency ratio | 66.3944% | 4,640 |
| Assets per employee ($millions) | 4.7558% | 2,547 |
| Cash dividends to net income (ytd only)* | 24.5098% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5519% | 3,879 |
| Loan loss allowance to noncurrent loans | 50.8690% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 3.0165% | 2,129 |
| Noncurrent loans to loans | 3.0508% | 2,272 |
| Net loans and leases to total assets | 55.3885% | 4,940 |
| Net loans and leases to deposits | 65.9013% | 4,920 |
| Net loans and leases to core deposits | 67.5294% | 5,234 |
| Total domestic deposits to total assets | 84.0476% | 4,207 |
| Equity capital to assets | 10.7520% | 3,419 |
| Core capital (leverage) ratio | 8.9071% | 5,086 |
| Tier 1 risk-based capital ratio | 16.8455% | 2,696 |
| Total risk-based capital ratio | 18.1287% | 2,657 |
| Memoranda: | ||
| Average total assets | $8,350,341,250 | 125 |
| Average earning assets | $7,325,146,750 | 126 |
| Average equity | $860,871,250 | 133 |
| Average total loans | $4,739,928,500 | 128 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1007% | 6,491 |
| Cost of funding earning assets | 0.5758% | 6,556 |
| Net interest margin | 3.5250% | 5,043 |
| Noninterest income to average assets | 1.3603% | 688 |
| Noninterest expense to average assets | 2.9396% | 3,867 |
| Loan and lease loss provision to assets | 0.3401% | 2,746 |
| Net operating income to assets | 0.7452% | 3,313 |
| Return on assets (ROA) | 0.7433% | 3,448 |
| Pretax return on assets | 1.1584% | 2,646 |
| Return on Equity (ROE) | 7.4006% | 3,239 |
| Retained earnings to average equity (ytd only) | 5.8354% | 2,524 |
| Net charge-offs to loans | 0.8884% | 1,751 |
| Credit loss provision to net charge-offs | 67.2068% | 4,133 |
| Earnings coverage of net charge-offs (x) | 2.9674% | 3,367 |
| Efficiency ratio | 65.5430% | 4,969 |
| Assets per employee ($millions) | 4.7724% | 2,449 |
| Cash dividends to net income (ytd only)* | 21.1506% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 3,678 |
| Loan loss allowance to noncurrent loans | 53.9329% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 3.1870% | 2,107 |
| Noncurrent loans to loans | 2.9744% | 2,442 |
| Net loans and leases to total assets | 55.4015% | 5,084 |
| Net loans and leases to deposits | 64.6824% | 5,191 |
| Net loans and leases to core deposits | 66.3474% | 5,471 |
| Total domestic deposits to total assets | 85.6515% | 3,522 |
| Equity capital to assets | 10.3157% | 3,729 |
| Core capital (leverage) ratio | 8.3848% | 5,731 |
| Tier 1 risk-based capital ratio | 16.1216% | 2,920 |
| Total risk-based capital ratio | 17.4057% | 2,873 |
| Memoranda: | ||
| Average total assets | $8,269,547,000 | 123 |
| Average earning assets | $7,227,508,330 | 128 |
| Average equity | $830,524,000 | 138 |
| Average total loans | $4,709,933,330 | 128 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 6,536 |
| Cost of funding earning assets | 0.6249% | 6,503 |
| Net interest margin | 3.4582% | 5,188 |
| Noninterest income to average assets | 1.2407% | 822 |
| Noninterest expense to average assets | 2.9579% | 3,828 |
| Loan and lease loss provision to assets | 0.3231% | 2,609 |
| Net operating income to assets | 0.6295% | 3,870 |
| Return on assets (ROA) | 0.6330% | 3,919 |
| Pretax return on assets | 0.9819% | 3,198 |
| Return on Equity (ROE) | 6.3886% | 3,679 |
| Retained earnings to average equity (ytd only) | 4.9299% | 3,241 |
| Net charge-offs to loans | 0.8992% | 1,471 |
| Credit loss provision to net charge-offs | 62.7409% | 3,496 |
| Earnings coverage of net charge-offs (x) | 2.5232% | 3,072 |
| Efficiency ratio | 68.6957% | 4,522 |
| Assets per employee ($millions) | 4.8159% | 2,403 |
| Cash dividends to net income (ytd only)* | 22.8328% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 3,528 |
| Loan loss allowance to noncurrent loans | 56.7757% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 3.3057% | 2,068 |
| Noncurrent loans to loans | 2.9068% | 2,586 |
| Net loans and leases to total assets | 54.8383% | 5,187 |
| Net loans and leases to deposits | 63.5837% | 5,312 |
| Net loans and leases to core deposits | 65.3701% | 5,575 |
| Total domestic deposits to total assets | 86.2460% | 3,369 |
| Equity capital to assets | 9.8898% | 3,911 |
| Core capital (leverage) ratio | 8.1141% | 6,106 |
| Tier 1 risk-based capital ratio | 15.7355% | 3,032 |
| Total risk-based capital ratio | 17.0465% | 2,961 |
| Memoranda: | ||
| Average total assets | $8,302,451,500 | 127 |
| Average earning assets | $7,242,685,000 | 129 |
| Average equity | $822,651,000 | 138 |
| Average total loans | $4,755,355,000 | 128 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5612% | 6,212 |
| Cost of funding earning assets | 0.9436% | 5,962 |
| Net interest margin | 3.6177% | 4,729 |
| Noninterest income to average assets | 1.8353% | 458 |
| Noninterest expense to average assets | 2.8972% | 4,234 |
| Loan and lease loss provision to assets | 0.6766% | 2,437 |
| Net operating income to assets | 0.8845% | 2,449 |
| Return on assets (ROA) | 0.9060% | 2,495 |
| Pretax return on assets | 1.4107% | 1,632 |
| Return on Equity (ROE) | 9.6636% | 2,051 |
| Retained earnings to average equity (ytd only) | 8.7720% | 763 |
| Net charge-offs to loans | 1.2551% | 1,789 |
| Credit loss provision to net charge-offs | 87.7173% | 5,220 |
| Earnings coverage of net charge-offs (x) | 2.6624% | 3,763 |
| Efficiency ratio | 57.2723% | 6,423 |
| Assets per employee ($millions) | 4.6897% | 2,574 |
| Cash dividends to net income (ytd only)* | 9.2263% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 3,327 |
| Loan loss allowance to noncurrent loans | 64.2892% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 3.5040% | 1,978 |
| Noncurrent loans to loans | 2.5984% | 2,931 |
| Net loans and leases to total assets | 57.8350% | 5,049 |
| Net loans and leases to deposits | 67.2204% | 5,214 |
| Net loans and leases to core deposits | 69.2541% | 5,517 |
| Total domestic deposits to total assets | 86.0379% | 3,340 |
| Equity capital to assets | 9.9275% | 3,845 |
| Core capital (leverage) ratio | 8.0934% | 6,032 |
| Tier 1 risk-based capital ratio | 14.8004% | 3,372 |
| Total risk-based capital ratio | 16.1092% | 3,290 |
| Memoranda: | ||
| Average total assets | $8,374,212,600 | 129 |
| Average earning assets | $7,212,029,600 | 132 |
| Average equity | $785,111,600 | 138 |
| Average total loans | $5,146,492,400 | 122 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5533% | 6,460 |
| Cost of funding earning assets | 0.9950% | 5,962 |
| Net interest margin | 3.5583% | 5,069 |
| Noninterest income to average assets | 1.9613% | 386 |
| Noninterest expense to average assets | 2.8455% | 4,292 |
| Loan and lease loss provision to assets | 0.7208% | 2,118 |
| Net operating income to assets | 0.9365% | 2,468 |
| Return on assets (ROA) | 0.9657% | 2,478 |
| Pretax return on assets | 1.5025% | 1,612 |
| Return on Equity (ROE) | 10.4515% | 1,960 |
| Retained earnings to average equity (ytd only) | 9.2502% | 978 |
| Net charge-offs to loans | 1.2503% | 1,630 |
| Credit loss provision to net charge-offs | 92.8296% | 4,667 |
| Earnings coverage of net charge-offs (x) | 2.8046% | 3,739 |
| Efficiency ratio | 55.3791% | 6,637 |
| Assets per employee ($millions) | 4.8169% | 2,429 |
| Cash dividends to net income (ytd only)* | 11.4944% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7060% | 3,131 |
| Loan loss allowance to noncurrent loans | 71.6132% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 3.5589% | 2,001 |
| Noncurrent loans to loans | 2.3822% | 3,256 |
| Net loans and leases to total assets | 58.6286% | 5,165 |
| Net loans and leases to deposits | 67.7269% | 5,458 |
| Net loans and leases to core deposits | 70.7980% | 5,669 |
| Total domestic deposits to total assets | 86.5661% | 2,778 |
| Equity capital to assets | 9.5829% | 4,725 |
| Core capital (leverage) ratio | 7.7865% | 6,580 |
| Tier 1 risk-based capital ratio | 14.1912% | 3,694 |
| Total risk-based capital ratio | 15.5000% | 3,625 |
| Memoranda: | ||
| Average total assets | $8,407,824,250 | 129 |
| Average earning assets | $7,234,743,000 | 131 |
| Average equity | $776,888,750 | 136 |
| Average total loans | $5,221,508,000 | 122 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 6,396 |
| Cost of funding earning assets | 1.0040% | 6,118 |
| Net interest margin | 3.6176% | 4,740 |
| Noninterest income to average assets | 2.0576% | 340 |
| Noninterest expense to average assets | 2.8288% | 4,360 |
| Loan and lease loss provision to assets | 0.8049% | 1,794 |
| Net operating income to assets | 0.9836% | 2,255 |
| Return on assets (ROA) | 1.0113% | 2,224 |
| Pretax return on assets | 1.5734% | 1,377 |
| Return on Equity (ROE) | 11.0813% | 1,726 |
| Retained earnings to average equity (ytd only) | 10.1696% | 809 |
| Net charge-offs to loans | 1.3831% | 1,377 |
| Credit loss provision to net charge-offs | 92.4855% | 4,350 |
| Earnings coverage of net charge-offs (x) | 2.6832% | 3,652 |
| Efficiency ratio | 53.5463% | 6,928 |
| Assets per employee ($millions) | 4.9604% | 2,229 |
| Cash dividends to net income (ytd only)* | 8.2272% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6925% | 3,110 |
| Loan loss allowance to noncurrent loans | 70.5899% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 3.5850% | 1,960 |
| Noncurrent loans to loans | 2.3977% | 3,261 |
| Net loans and leases to total assets | 58.9186% | 5,263 |
| Net loans and leases to deposits | 68.8991% | 5,431 |
| Net loans and leases to core deposits | 72.1842% | 5,651 |
| Total domestic deposits to total assets | 85.5144% | 3,366 |
| Equity capital to assets | 9.2935% | 5,014 |
| Core capital (leverage) ratio | 7.6478% | 6,680 |
| Tier 1 risk-based capital ratio | 13.2391% | 4,260 |
| Total risk-based capital ratio | 14.5443% | 4,172 |
| Memoranda: | ||
| Average total assets | $8,413,429,670 | 128 |
| Average earning assets | $7,224,231,670 | 131 |
| Average equity | $767,819,000 | 137 |
| Average total loans | $5,293,707,330 | 118 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7542% | 6,053 |
| Cost of funding earning assets | 1.0242% | 6,256 |
| Net interest margin | 3.7300% | 4,095 |
| Noninterest income to average assets | 1.7502% | 421 |
| Noninterest expense to average assets | 2.7936% | 4,501 |
| Loan and lease loss provision to assets | 0.6623% | 1,916 |
| Net operating income to assets | 0.9940% | 2,213 |
| Return on assets (ROA) | 1.0066% | 2,222 |
| Pretax return on assets | 1.5439% | 1,411 |
| Return on Equity (ROE) | 11.1338% | 1,744 |
| Retained earnings to average equity (ytd only) | 9.2847% | 1,323 |
| Net charge-offs to loans | 1.2032% | 1,414 |
| Credit loss provision to net charge-offs | 85.4291% | 3,765 |
| Earnings coverage of net charge-offs (x) | 2.8205% | 3,138 |
| Efficiency ratio | 54.8008% | 6,906 |
| Assets per employee ($millions) | 4.9609% | 2,286 |
| Cash dividends to net income (ytd only)* | 16.6081% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 3,293 |
| Loan loss allowance to noncurrent loans | 72.5057% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 3.1614% | 2,267 |
| Noncurrent loans to loans | 2.2608% | 3,443 |
| Net loans and leases to total assets | 61.2778% | 4,899 |
| Net loans and leases to deposits | 71.0367% | 5,196 |
| Net loans and leases to core deposits | 74.5075% | 5,442 |
| Total domestic deposits to total assets | 86.2622% | 3,002 |
| Equity capital to assets | 9.0445% | 5,213 |
| Core capital (leverage) ratio | 7.3995% | 6,936 |
| Tier 1 risk-based capital ratio | 12.9561% | 4,368 |
| Total risk-based capital ratio | 14.2865% | 4,282 |
| Memoranda: | ||
| Average total assets | $8,374,073,500 | 129 |
| Average earning assets | $7,251,643,500 | 131 |
| Average equity | $757,118,500 | 138 |
| Average total loans | $5,395,762,500 | 117 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 6,852 |
| Cost of funding earning assets | 1.2243% | 6,575 |
| Net interest margin | 3.6208% | 4,471 |
| Noninterest income to average assets | 2.9570% | 234 |
| Noninterest expense to average assets | 2.9194% | 4,464 |
| Loan and lease loss provision to assets | 0.9670% | 2,333 |
| Net operating income to assets | 1.4432% | 779 |
| Return on assets (ROA) | 1.4750% | 770 |
| Pretax return on assets | 2.3249% | 213 |
| Return on Equity (ROE) | 16.0459% | 551 |
| Retained earnings to average equity (ytd only) | 14.8825% | 97 |
| Net charge-offs to loans | 1.0767% | 2,268 |
| Credit loss provision to net charge-offs | 130.2858% | 3,916 |
| Earnings coverage of net charge-offs (x) | 4.3683% | 2,971 |
| Efficiency ratio | 45.9247% | 7,716 |
| Assets per employee ($millions) | 4.8055% | 2,481 |
| Cash dividends to net income (ytd only)* | 7.2504% | 3,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6125% | 3,230 |
| Loan loss allowance to noncurrent loans | 15.6623% | 7,228 |
| Noncurrent assets plus other real estate owned to assets | 8.0788% | 551 |
| Noncurrent loans to loans | 10.2954% | 387 |
| Net loans and leases to total assets | 65.5461% | 4,266 |
| Net loans and leases to deposits | 76.1800% | 4,714 |
| Net loans and leases to core deposits | 88.1581% | 5,310 |
| Total domestic deposits to total assets | 86.0411% | 2,999 |
| Equity capital to assets | 9.0378% | 5,079 |
| Core capital (leverage) ratio | 7.2806% | 7,002 |
| Tier 1 risk-based capital ratio | 12.2112% | 4,757 |
| Total risk-based capital ratio | 13.5396% | 4,661 |
| Memoranda: | ||
| Average total assets | $7,480,418,000 | 133 |
| Average earning assets | $6,620,568,600 | 131 |
| Average equity | $687,639,400 | 143 |
| Average total loans | $5,156,550,000 | 123 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7680% | 7,176 |
| Cost of funding earning assets | 1.2789% | 6,625 |
| Net interest margin | 3.4891% | 4,902 |
| Noninterest income to average assets | 3.3836% | 192 |
| Noninterest expense to average assets | 2.9943% | 4,065 |
| Loan and lease loss provision to assets | 0.6388% | 2,840 |
| Net operating income to assets | 1.8505% | 401 |
| Return on assets (ROA) | 1.8858% | 396 |
| Pretax return on assets | 2.9173% | 118 |
| Return on Equity (ROE) | 21.0931% | 252 |
| Retained earnings to average equity (ytd only) | 19.4155% | 74 |
| Net charge-offs to loans | 0.6538% | 2,725 |
| Credit loss provision to net charge-offs | 139.6434% | 3,529 |
| Earnings coverage of net charge-offs (x) | 7.6554% | 2,373 |
| Efficiency ratio | 44.5402% | 7,818 |
| Assets per employee ($millions) | 4.8018% | 2,398 |
| Cash dividends to net income (ytd only)* | 7.9530% | 3,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 3,854 |
| Loan loss allowance to noncurrent loans | 24.5243% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 4.5963% | 1,319 |
| Noncurrent loans to loans | 5.7779% | 1,053 |
| Net loans and leases to total assets | 68.6412% | 3,813 |
| Net loans and leases to deposits | 80.8649% | 4,229 |
| Net loans and leases to core deposits | 92.0256% | 5,231 |
| Total domestic deposits to total assets | 84.8838% | 3,295 |
| Equity capital to assets | 8.6849% | 5,975 |
| Core capital (leverage) ratio | 8.5405% | 5,418 |
| Tier 1 risk-based capital ratio | 11.3771% | 5,561 |
| Total risk-based capital ratio | 12.7017% | 5,421 |
| Memoranda: | ||
| Average total assets | $7,112,094,000 | 140 |
| Average earning assets | $6,344,567,000 | 139 |
| Average equity | $635,839,250 | 158 |
| Average total loans | $4,975,758,750 | 132 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9918% | 6,802 |
| Cost of funding earning assets | 1.4454% | 6,332 |
| Net interest margin | 3.5463% | 4,593 |
| Noninterest income to average assets | 1.3894% | 791 |
| Noninterest expense to average assets | 3.0857% | 3,756 |
| Loan and lease loss provision to assets | 0.5421% | 2,859 |
| Net operating income to assets | 0.6106% | 3,635 |
| Return on assets (ROA) | 0.6200% | 3,702 |
| Pretax return on assets | 0.9591% | 3,146 |
| Return on Equity (ROE) | 6.8579% | 3,263 |
| Retained earnings to average equity (ytd only) | 5.7209% | 2,147 |
| Net charge-offs to loans | 0.5402% | 2,706 |
| Credit loss provision to net charge-offs | 143.1630% | 3,243 |
| Earnings coverage of net charge-offs (x) | 3.9263% | 3,272 |
| Efficiency ratio | 65.0660% | 5,708 |
| Assets per employee ($millions) | 3.9682% | 3,742 |
| Cash dividends to net income (ytd only)* | 16.5798% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5946% | 2,770 |
| Loan loss allowance to noncurrent loans | 85.1968% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.4380% | 4,092 |
| Noncurrent loans to loans | 1.8717% | 3,699 |
| Net loans and leases to total assets | 68.2556% | 4,118 |
| Net loans and leases to deposits | 81.4192% | 4,314 |
| Net loans and leases to core deposits | 90.4291% | 5,497 |
| Total domestic deposits to total assets | 83.8323% | 3,856 |
| Equity capital to assets | 9.1759% | 5,056 |
| Core capital (leverage) ratio | 7.2210% | 7,333 |
| Tier 1 risk-based capital ratio | 10.6860% | 6,198 |
| Total risk-based capital ratio | 12.0177% | 6,054 |
| Memoranda: | ||
| Average total assets | $6,809,800,670 | 148 |
| Average earning assets | $6,112,231,000 | 147 |
| Average equity | $615,640,000 | 164 |
| Average total loans | $4,773,200,000 | 139 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 6,756 |
| Cost of funding earning assets | 1.5703% | 6,158 |
| Net interest margin | 3.4918% | 4,764 |
| Noninterest income to average assets | 1.3749% | 756 |
| Noninterest expense to average assets | 2.9308% | 4,054 |
| Loan and lease loss provision to assets | 0.4324% | 2,763 |
| Net operating income to assets | 0.7403% | 3,391 |
| Return on assets (ROA) | 0.7590% | 3,477 |
| Pretax return on assets | 1.1746% | 2,705 |
| Return on Equity (ROE) | 8.4589% | 2,938 |
| Retained earnings to average equity (ytd only) | 6.1726% | 2,555 |
| Net charge-offs to loans | 0.5065% | 2,196 |
| Credit loss provision to net charge-offs | 121.1728% | 3,250 |
| Earnings coverage of net charge-offs (x) | 4.4225% | 2,888 |
| Efficiency ratio | 62.4581% | 5,969 |
| Assets per employee ($millions) | 3.9453% | 3,783 |
| Cash dividends to net income (ytd only)* | 27.0291% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 3,057 |
| Loan loss allowance to noncurrent loans | 101.1570% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.1596% | 4,353 |
| Noncurrent loans to loans | 1.4709% | 4,094 |
| Net loans and leases to total assets | 67.8312% | 4,180 |
| Net loans and leases to deposits | 80.3083% | 4,562 |
| Net loans and leases to core deposits | 90.5646% | 5,508 |
| Total domestic deposits to total assets | 84.4635% | 3,478 |
| Equity capital to assets | 8.9021% | 5,474 |
| Core capital (leverage) ratio | 6.9795% | 7,647 |
| Tier 1 risk-based capital ratio | 10.3119% | 6,583 |
| Total risk-based capital ratio | 11.6799% | 6,374 |
| Memoranda: | ||
| Average total assets | $6,823,890,000 | 150 |
| Average earning assets | $6,124,814,000 | 148 |
| Average equity | $612,322,000 | 162 |
| Average total loans | $4,807,878,500 | 140 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8646% | 6,209 |
| Cost of funding earning assets | 2.0353% | 6,298 |
| Net interest margin | 3.8293% | 3,895 |
| Noninterest income to average assets | 1.4209% | 711 |
| Noninterest expense to average assets | 3.1430% | 3,540 |
| Loan and lease loss provision to assets | 0.4803% | 2,898 |
| Net operating income to assets | 0.7956% | 3,452 |
| Return on assets (ROA) | 0.8168% | 3,203 |
| Pretax return on assets | 1.2635% | 2,429 |
| Return on Equity (ROE) | 8.4533% | 2,868 |
| Retained earnings to average equity (ytd only) | 4.2665% | 2,469 |
| Net charge-offs to loans | 0.4492% | 2,581 |
| Credit loss provision to net charge-offs | 152.1774% | 3,442 |
| Earnings coverage of net charge-offs (x) | 5.4217% | 3,652 |
| Efficiency ratio | 62.4236% | 5,871 |
| Assets per employee ($millions) | 3.8490% | 3,859 |
| Cash dividends to net income (ytd only)* | 49.5283% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 3,033 |
| Loan loss allowance to noncurrent loans | 133.1722% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.9098% | 4,569 |
| Noncurrent loans to loans | 1.0726% | 4,424 |
| Net loans and leases to total assets | 71.0658% | 3,773 |
| Net loans and leases to deposits | 85.7938% | 4,145 |
| Net loans and leases to core deposits | 97.4223% | 5,110 |
| Total domestic deposits to total assets | 82.8333% | 3,841 |
| Equity capital to assets | 9.0460% | 5,313 |
| Core capital (leverage) ratio | 7.2432% | 7,482 |
| Tier 1 risk-based capital ratio | 9.9703% | 6,765 |
| Total risk-based capital ratio | 11.3367% | 6,513 |
| Memoranda: | ||
| Average total assets | $6,241,920,000 | 154 |
| Average earning assets | $5,596,499,000 | 155 |
| Average equity | $603,088,600 | 167 |
| Average total loans | $4,385,824,800 | 148 |