Home > Hudson City Savings Bank > Performance and Condition Ratios
Hudson City Savings Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6913% | 6,023 |
| Cost of funding earning assets | 2.0458% | 6 |
| Net interest margin | 0.6454% | 6,245 |
| Noninterest income to average assets | 0.0167% | 6,158 |
| Noninterest expense to average assets | 0.8117% | 6,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1219% | 6,014 |
| Return on assets (ROA) | 0.1097% | 5,872 |
| Pretax return on assets | 0.1930% | 5,801 |
| Return on Equity (ROE) | 0.8848% | 5,874 |
| Retained earnings to average equity (ytd only) | -0.2517% | 5,650 |
| Net charge-offs to loans | 0.0925% | 2,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -3.2005% | 4,105 |
| Efficiency ratio | 126.2785% | 79 |
| Assets per employee ($millions) | 23.9586% | 38 |
| Cash dividends to net income (ytd only)* | 128.4516% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 3,924 |
| Loan loss allowance to noncurrent loans | 28.1991% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 2.5409% | 673 |
| Noncurrent loans to loans | 4.0790% | 310 |
| Net loans and leases to total assets | 54.1458% | 4,555 |
| Net loans and leases to deposits | 105.6007% | 380 |
| Net loans and leases to core deposits | 111.0742% | 813 |
| Total domestic deposits to total assets | 51.2741% | 6,211 |
| Equity capital to assets | 12.6412% | 1,659 |
| Core capital (leverage) ratio | 12.2244% | 1,552 |
| Tier 1 risk-based capital ratio | 33.2204% | 405 |
| Total risk-based capital ratio | 34.4805% | 400 |
| Memoranda: | ||
| Average total assets | $35,801,539,000 | 46 |
| Average earning assets | $34,726,125,000 | 44 |
| Average equity | $4,439,086,750 | 43 |
| Average total loans | $20,426,033,250 | 49 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7583% | 6,048 |
| Cost of funding earning assets | 2.0338% | 5 |
| Net interest margin | 0.7245% | 6,321 |
| Noninterest income to average assets | 0.0162% | 6,235 |
| Noninterest expense to average assets | 0.7805% | 6,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0510% | 6,026 |
| Return on assets (ROA) | 0.2133% | 5,732 |
| Pretax return on assets | 0.3516% | 5,572 |
| Return on Equity (ROE) | 1.7313% | 5,748 |
| Retained earnings to average equity (ytd only) | 0.8821% | 5,214 |
| Net charge-offs to loans | 0.0936% | 2,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -1.1356% | 3,772 |
| Efficiency ratio | 108.5399% | 193 |
| Assets per employee ($millions) | 24.1574% | 40 |
| Cash dividends to net income (ytd only)* | 49.0529% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 4,161 |
| Loan loss allowance to noncurrent loans | 28.1322% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 2.5470% | 731 |
| Noncurrent loans to loans | 4.0320% | 377 |
| Net loans and leases to total assets | 55.5174% | 4,382 |
| Net loans and leases to deposits | 107.3829% | 324 |
| Net loans and leases to core deposits | 112.6148% | 719 |
| Total domestic deposits to total assets | 51.7004% | 6,285 |
| Equity capital to assets | 12.6151% | 1,593 |
| Core capital (leverage) ratio | 12.1394% | 1,571 |
| Tier 1 risk-based capital ratio | 32.2181% | 454 |
| Total risk-based capital ratio | 33.4772% | 446 |
| Memoranda: | ||
| Average total assets | $36,035,609,670 | 46 |
| Average earning assets | $34,959,529,330 | 44 |
| Average equity | $4,439,788,330 | 44 |
| Average total loans | $20,826,063,000 | 44 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8464% | 6,036 |
| Cost of funding earning assets | 2.0199% | 4 |
| Net interest margin | 0.8264% | 6,392 |
| Noninterest income to average assets | 0.0153% | 6,302 |
| Noninterest expense to average assets | 0.8194% | 6,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0039% | 6,022 |
| Return on assets (ROA) | 0.0478% | 6,000 |
| Pretax return on assets | 0.0786% | 5,972 |
| Return on Equity (ROE) | 0.3926% | 5,999 |
| Retained earnings to average equity (ytd only) | -1.3113% | 5,590 |
| Net charge-offs to loans | 0.0907% | 1,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.0425% | 3,117 |
| Efficiency ratio | 100.2761% | 360 |
| Assets per employee ($millions) | 24.1165% | 41 |
| Cash dividends to net income (ytd only)* | 434.0009% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 4,508 |
| Loan loss allowance to noncurrent loans | 27.2899% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 2.5865% | 809 |
| Noncurrent loans to loans | 4.0384% | 433 |
| Net loans and leases to total assets | 57.2524% | 4,058 |
| Net loans and leases to deposits | 108.6026% | 242 |
| Net loans and leases to core deposits | 113.9271% | 581 |
| Total domestic deposits to total assets | 52.7173% | 6,355 |
| Equity capital to assets | 12.2497% | 1,858 |
| Core capital (leverage) ratio | 11.8284% | 1,755 |
| Tier 1 risk-based capital ratio | 30.1089% | 533 |
| Total risk-based capital ratio | 31.3648% | 529 |
| Memoranda: | ||
| Average total assets | $36,346,015,500 | 45 |
| Average earning assets | $35,263,211,000 | 43 |
| Average equity | $4,425,880,500 | 44 |
| Average total loans | $21,295,621,000 | 41 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1955% | 5,841 |
| Cost of funding earning assets | 2.0163% | 5 |
| Net interest margin | 1.1792% | 6,455 |
| Noninterest income to average assets | 0.0177% | 6,359 |
| Noninterest expense to average assets | 0.7747% | 6,473 |
| Loan and lease loss provision to assets | -0.0093% | 5,912 |
| Net operating income to assets | 0.2268% | 5,710 |
| Return on assets (ROA) | 0.4031% | 5,275 |
| Pretax return on assets | 0.6722% | 4,716 |
| Return on Equity (ROE) | 3.4249% | 5,319 |
| Retained earnings to average equity (ytd only) | 1.7184% | 4,962 |
| Net charge-offs to loans | 0.1615% | 2,417 |
| Credit loss provision to net charge-offs | -9.3884% | 5,309 |
| Earnings coverage of net charge-offs (x) | 3.9130% | 3,784 |
| Efficiency ratio | 66.6613% | 4,121 |
| Assets per employee ($millions) | 24.2637% | 40 |
| Cash dividends to net income (ytd only)* | 49.8267% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 4,612 |
| Loan loss allowance to noncurrent loans | 27.9804% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 2.5187% | 915 |
| Noncurrent loans to loans | 3.8797% | 494 |
| Net loans and leases to total assets | 58.6403% | 3,975 |
| Net loans and leases to deposits | 109.9016% | 238 |
| Net loans and leases to core deposits | 115.3210% | 545 |
| Total domestic deposits to total assets | 53.3571% | 6,443 |
| Equity capital to assets | 12.1054% | 1,945 |
| Core capital (leverage) ratio | 11.7382% | 1,804 |
| Tier 1 risk-based capital ratio | 27.4975% | 644 |
| Total risk-based capital ratio | 28.7520% | 627 |
| Memoranda: | ||
| Average total assets | $37,651,160,000 | 44 |
| Average earning assets | $36,542,589,000 | 42 |
| Average equity | $4,431,150,600 | 44 |
| Average total loans | $23,086,320,200 | 39 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2580% | 5,829 |
| Cost of funding earning assets | 2.0027% | 7 |
| Net interest margin | 1.2553% | 6,536 |
| Noninterest income to average assets | 0.0179% | 6,441 |
| Noninterest expense to average assets | 0.7811% | 6,554 |
| Loan and lease loss provision to assets | -0.0123% | 6,097 |
| Net operating income to assets | 0.2707% | 5,676 |
| Return on assets (ROA) | 0.4007% | 5,322 |
| Pretax return on assets | 0.6706% | 4,802 |
| Return on Equity (ROE) | 3.4286% | 5,385 |
| Retained earnings to average equity (ytd only) | 1.7227% | 5,189 |
| Net charge-offs to loans | 0.1728% | 2,071 |
| Credit loss provision to net charge-offs | -11.5188% | 5,246 |
| Earnings coverage of net charge-offs (x) | 4.2600% | 3,499 |
| Efficiency ratio | 63.1874% | 4,688 |
| Assets per employee ($millions) | 24.5264% | 40 |
| Cash dividends to net income (ytd only)* | 49.7552% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 4,829 |
| Loan loss allowance to noncurrent loans | 28.1695% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 2.5253% | 1,036 |
| Noncurrent loans to loans | 3.8408% | 579 |
| Net loans and leases to total assets | 59.5976% | 3,864 |
| Net loans and leases to deposits | 110.1478% | 218 |
| Net loans and leases to core deposits | 115.6451% | 524 |
| Total domestic deposits to total assets | 54.1070% | 6,520 |
| Equity capital to assets | 12.0016% | 2,056 |
| Core capital (leverage) ratio | 11.4773% | 2,086 |
| Tier 1 risk-based capital ratio | 26.6766% | 729 |
| Total risk-based capital ratio | 27.9309% | 711 |
| Memoranda: | ||
| Average total assets | $37,922,588,500 | 45 |
| Average earning assets | $36,805,547,750 | 43 |
| Average equity | $4,432,344,250 | 45 |
| Average total loans | $23,438,546,000 | 40 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3026% | 5,788 |
| Cost of funding earning assets | 1.9832% | 7 |
| Net interest margin | 1.3194% | 6,600 |
| Noninterest income to average assets | 0.0181% | 6,513 |
| Noninterest expense to average assets | 0.7978% | 6,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2923% | 5,591 |
| Return on assets (ROA) | 0.4113% | 5,256 |
| Pretax return on assets | 0.6865% | 4,691 |
| Return on Equity (ROE) | 3.5500% | 5,326 |
| Retained earnings to average equity (ytd only) | 1.8413% | 4,967 |
| Net charge-offs to loans | 0.1773% | 1,973 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.5322% | 3,091 |
| Efficiency ratio | 61.4428% | 5,083 |
| Assets per employee ($millions) | 24.8985% | 38 |
| Cash dividends to net income (ytd only)* | 48.1328% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0957% | 4,932 |
| Loan loss allowance to noncurrent loans | 25.2924% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 2.8811% | 899 |
| Noncurrent loans to loans | 4.3322% | 515 |
| Net loans and leases to total assets | 61.0632% | 3,554 |
| Net loans and leases to deposits | 111.5008% | 175 |
| Net loans and leases to core deposits | 116.9188% | 455 |
| Total domestic deposits to total assets | 54.7649% | 6,586 |
| Equity capital to assets | 11.8242% | 2,128 |
| Core capital (leverage) ratio | 11.2343% | 2,217 |
| Tier 1 risk-based capital ratio | 25.6314% | 815 |
| Total risk-based capital ratio | 26.8848% | 790 |
| Memoranda: | ||
| Average total assets | $38,177,623,000 | 44 |
| Average earning assets | $37,045,920,670 | 43 |
| Average equity | $4,423,290,330 | 44 |
| Average total loans | $23,788,995,330 | 40 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3535% | 5,744 |
| Cost of funding earning assets | 1.9637% | 8 |
| Net interest margin | 1.3898% | 6,669 |
| Noninterest income to average assets | 0.0189% | 6,571 |
| Noninterest expense to average assets | 0.8273% | 6,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3198% | 5,426 |
| Return on assets (ROA) | 0.4260% | 5,085 |
| Pretax return on assets | 0.7062% | 4,469 |
| Return on Equity (ROE) | 3.7146% | 5,167 |
| Retained earnings to average equity (ytd only) | 2.0073% | 4,803 |
| Net charge-offs to loans | 0.1724% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.0060% | 2,441 |
| Efficiency ratio | 60.4985% | 5,334 |
| Assets per employee ($millions) | 24.9059% | 40 |
| Cash dividends to net income (ytd only)* | 45.9615% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 5,060 |
| Loan loss allowance to noncurrent loans | 25.9167% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 2.8875% | 1,009 |
| Noncurrent loans to loans | 4.2974% | 598 |
| Net loans and leases to total assets | 61.7145% | 3,283 |
| Net loans and leases to deposits | 111.2870% | 130 |
| Net loans and leases to core deposits | 116.5709% | 395 |
| Total domestic deposits to total assets | 55.4552% | 6,657 |
| Equity capital to assets | 11.5778% | 2,181 |
| Core capital (leverage) ratio | 11.0102% | 2,381 |
| Tier 1 risk-based capital ratio | 24.8292% | 907 |
| Total risk-based capital ratio | 26.0830% | 891 |
| Memoranda: | ||
| Average total assets | $38,418,272,500 | 44 |
| Average earning assets | $37,278,670,000 | 42 |
| Average equity | $4,406,297,000 | 44 |
| Average total loans | $24,046,687,500 | 39 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5406% | 5,557 |
| Cost of funding earning assets | 1.9771% | 12 |
| Net interest margin | 1.5635% | 6,716 |
| Noninterest income to average assets | 0.0256% | 6,602 |
| Noninterest expense to average assets | 0.7732% | 6,773 |
| Loan and lease loss provision to assets | 0.0920% | 3,270 |
| Net operating income to assets | 0.4080% | 5,120 |
| Return on assets (ROA) | 0.4547% | 5,062 |
| Pretax return on assets | 0.7484% | 4,350 |
| Return on Equity (ROE) | 4.1524% | 5,034 |
| Retained earnings to average equity (ytd only) | 1.9924% | 4,818 |
| Net charge-offs to loans | 0.2458% | 2,506 |
| Credit loss provision to net charge-offs | 58.1664% | 3,617 |
| Earnings coverage of net charge-offs (x) | 4.8522% | 3,435 |
| Efficiency ratio | 50.1855% | 6,388 |
| Assets per employee ($millions) | 25.3986% | 38 |
| Cash dividends to net income (ytd only)* | 52.0174% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 4,955 |
| Loan loss allowance to noncurrent loans | 26.3139% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 2.9003% | 1,102 |
| Noncurrent loans to loans | 4.3297% | 629 |
| Net loans and leases to total assets | 62.0571% | 3,353 |
| Net loans and leases to deposits | 110.8826% | 160 |
| Net loans and leases to core deposits | 116.0676% | 416 |
| Total domestic deposits to total assets | 55.9665% | 6,739 |
| Equity capital to assets | 11.3618% | 2,277 |
| Core capital (leverage) ratio | 10.8035% | 2,572 |
| Tier 1 risk-based capital ratio | 24.0545% | 946 |
| Total risk-based capital ratio | 25.3094% | 940 |
| Memoranda: | ||
| Average total assets | $39,674,509,600 | 40 |
| Average earning assets | $38,444,845,200 | 39 |
| Average equity | $4,344,584,400 | 45 |
| Average total loans | $25,528,095,400 | 37 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5829% | 5,489 |
| Cost of funding earning assets | 1.9702% | 11 |
| Net interest margin | 1.6127% | 6,794 |
| Noninterest income to average assets | 0.0259% | 6,686 |
| Noninterest expense to average assets | 0.7844% | 6,852 |
| Loan and lease loss provision to assets | 0.1218% | 2,770 |
| Net operating income to assets | 0.4135% | 5,192 |
| Return on assets (ROA) | 0.4516% | 5,154 |
| Pretax return on assets | 0.7416% | 4,523 |
| Return on Equity (ROE) | 4.1620% | 5,147 |
| Retained earnings to average equity (ytd only) | 1.8525% | 5,207 |
| Net charge-offs to loans | 0.2467% | 2,332 |
| Credit loss provision to net charge-offs | 76.2944% | 2,940 |
| Earnings coverage of net charge-offs (x) | 5.0340% | 3,299 |
| Efficiency ratio | 49.3853% | 6,434 |
| Assets per employee ($millions) | 25.6954% | 44 |
| Cash dividends to net income (ytd only)* | 55.4899% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 4,969 |
| Loan loss allowance to noncurrent loans | 27.1938% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 2.8986% | 1,284 |
| Noncurrent loans to loans | 4.3378% | 775 |
| Net loans and leases to total assets | 62.2143% | 3,325 |
| Net loans and leases to deposits | 109.7538% | 158 |
| Net loans and leases to core deposits | 114.8531% | 425 |
| Total domestic deposits to total assets | 56.6853% | 6,808 |
| Equity capital to assets | 11.0562% | 2,710 |
| Core capital (leverage) ratio | 10.5546% | 2,949 |
| Tier 1 risk-based capital ratio | 23.2401% | 1,108 |
| Total risk-based capital ratio | 24.4958% | 1,085 |
| Memoranda: | ||
| Average total assets | $39,941,657,250 | 40 |
| Average earning assets | $38,696,847,750 | 40 |
| Average equity | $4,334,153,000 | 45 |
| Average total loans | $25,851,666,750 | 38 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6661% | 5,250 |
| Cost of funding earning assets | 1.9630% | 11 |
| Net interest margin | 1.7031% | 6,831 |
| Noninterest income to average assets | 0.0246% | 6,741 |
| Noninterest expense to average assets | 0.7794% | 6,904 |
| Loan and lease loss provision to assets | 0.1617% | 2,309 |
| Net operating income to assets | 0.4461% | 5,032 |
| Return on assets (ROA) | 0.4690% | 5,108 |
| Pretax return on assets | 0.7687% | 4,433 |
| Return on Equity (ROE) | 4.3488% | 5,071 |
| Retained earnings to average equity (ytd only) | 1.7509% | 5,139 |
| Net charge-offs to loans | 0.2862% | 2,054 |
| Credit loss provision to net charge-offs | 86.5282% | 2,511 |
| Earnings coverage of net charge-offs (x) | 4.7869% | 3,034 |
| Efficiency ratio | 46.5575% | 6,609 |
| Assets per employee ($millions) | 26.0815% | 44 |
| Cash dividends to net income (ytd only)* | 59.7379% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 5,121 |
| Loan loss allowance to noncurrent loans | 26.7790% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 2.9517% | 1,380 |
| Noncurrent loans to loans | 4.3894% | 810 |
| Net loans and leases to total assets | 62.9638% | 3,108 |
| Net loans and leases to deposits | 109.8543% | 146 |
| Net loans and leases to core deposits | 114.9149% | 420 |
| Total domestic deposits to total assets | 57.3157% | 6,853 |
| Equity capital to assets | 10.8443% | 2,900 |
| Core capital (leverage) ratio | 10.3931% | 2,994 |
| Tier 1 risk-based capital ratio | 22.6190% | 1,192 |
| Total risk-based capital ratio | 23.8748% | 1,173 |
| Memoranda: | ||
| Average total assets | $40,193,727,000 | 41 |
| Average earning assets | $38,927,828,330 | 40 |
| Average equity | $4,334,731,000 | 45 |
| Average total loans | $26,245,574,000 | 38 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7429% | 5,010 |
| Cost of funding earning assets | 1.9587% | 12 |
| Net interest margin | 1.7842% | 6,893 |
| Noninterest income to average assets | 0.0250% | 6,799 |
| Noninterest expense to average assets | 0.7949% | 6,981 |
| Loan and lease loss provision to assets | 0.1978% | 1,874 |
| Net operating income to assets | 0.4617% | 4,863 |
| Return on assets (ROA) | 0.4617% | 5,024 |
| Pretax return on assets | 0.7583% | 4,336 |
| Return on Equity (ROE) | 4.2927% | 4,945 |
| Retained earnings to average equity (ytd only) | 0.8408% | 5,506 |
| Net charge-offs to loans | 0.3182% | 1,691 |
| Credit loss provision to net charge-offs | 94.0955% | 1,951 |
| Earnings coverage of net charge-offs (x) | 4.5479% | 2,527 |
| Efficiency ratio | 45.3963% | 6,715 |
| Assets per employee ($millions) | 25.4979% | 48 |
| Cash dividends to net income (ytd only)* | 80.4135% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 5,418 |
| Loan loss allowance to noncurrent loans | 26.5449% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 2.9736% | 1,509 |
| Noncurrent loans to loans | 4.3225% | 994 |
| Net loans and leases to total assets | 64.3882% | 2,634 |
| Net loans and leases to deposits | 111.3228% | 112 |
| Net loans and leases to core deposits | 116.2311% | 348 |
| Total domestic deposits to total assets | 57.8392% | 6,928 |
| Equity capital to assets | 10.8108% | 3,188 |
| Core capital (leverage) ratio | 10.1662% | 3,187 |
| Tier 1 risk-based capital ratio | 21.6091% | 1,402 |
| Total risk-based capital ratio | 22.8646% | 1,379 |
| Memoranda: | ||
| Average total assets | $40,442,550,000 | 41 |
| Average earning assets | $39,121,165,000 | 40 |
| Average equity | $4,349,709,500 | 45 |
| Average total loans | $26,722,629,000 | 37 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 5,165 |
| Cost of funding earning assets | 2.0088% | 29 |
| Net interest margin | 2.0365% | 6,922 |
| Noninterest income to average assets | 0.0267% | 6,764 |
| Noninterest expense to average assets | 0.8125% | 7,031 |
| Loan and lease loss provision to assets | 0.2210% | 2,923 |
| Net operating income to assets | 0.5780% | 4,344 |
| Return on assets (ROA) | 0.5780% | 4,605 |
| Pretax return on assets | 0.9521% | 3,734 |
| Return on Equity (ROE) | 5.7919% | 4,262 |
| Retained earnings to average equity (ytd only) | 2.2997% | 4,618 |
| Net charge-offs to loans | 0.2347% | 3,532 |
| Credit loss provision to net charge-offs | 142.9797% | 1,910 |
| Earnings coverage of net charge-offs (x) | 7.5912% | 2,566 |
| Efficiency ratio | 40.9187% | 6,910 |
| Assets per employee ($millions) | 25.0298% | 49 |
| Cash dividends to net income (ytd only)* | 60.2937% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 5,504 |
| Loan loss allowance to noncurrent loans | 26.0078% | 6,209 |
| Noncurrent assets plus other real estate owned to assets | 2.9800% | 1,590 |
| Noncurrent loans to loans | 4.2733% | 1,038 |
| Net loans and leases to total assets | 66.2635% | 2,487 |
| Net loans and leases to deposits | 113.8950% | 114 |
| Net loans and leases to core deposits | 118.6476% | 310 |
| Total domestic deposits to total assets | 58.1795% | 6,986 |
| Equity capital to assets | 10.7002% | 3,285 |
| Core capital (leverage) ratio | 10.0530% | 3,336 |
| Tier 1 risk-based capital ratio | 20.3931% | 1,585 |
| Total risk-based capital ratio | 21.6479% | 1,556 |
| Memoranda: | ||
| Average total assets | $42,996,055,400 | 38 |
| Average earning assets | $41,358,174,200 | 38 |
| Average equity | $4,290,752,600 | 45 |
| Average total loans | $28,314,646,600 | 34 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0850% | 5,245 |
| Cost of funding earning assets | 2.0093% | 29 |
| Net interest margin | 2.0757% | 7,016 |
| Noninterest income to average assets | 0.0267% | 6,874 |
| Noninterest expense to average assets | 0.8012% | 7,141 |
| Loan and lease loss provision to assets | 0.2141% | 2,929 |
| Net operating income to assets | 0.6124% | 4,338 |
| Return on assets (ROA) | 0.6124% | 4,593 |
| Pretax return on assets | 1.0081% | 3,677 |
| Return on Equity (ROE) | 6.2420% | 4,204 |
| Retained earnings to average equity (ytd only) | 2.7390% | 4,909 |
| Net charge-offs to loans | 0.2435% | 3,260 |
| Credit loss provision to net charge-offs | 134.0534% | 2,148 |
| Earnings coverage of net charge-offs (x) | 7.6531% | 2,577 |
| Efficiency ratio | 39.5975% | 7,021 |
| Assets per employee ($millions) | 26.0572% | 52 |
| Cash dividends to net income (ytd only)* | 56.1191% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 5,903 |
| Loan loss allowance to noncurrent loans | 25.5074% | 6,324 |
| Noncurrent assets plus other real estate owned to assets | 2.8363% | 1,854 |
| Noncurrent loans to loans | 4.1061% | 1,230 |
| Net loans and leases to total assets | 65.7462% | 2,702 |
| Net loans and leases to deposits | 114.0355% | 110 |
| Net loans and leases to core deposits | 118.6105% | 335 |
| Total domestic deposits to total assets | 57.6542% | 7,083 |
| Equity capital to assets | 10.3913% | 3,965 |
| Core capital (leverage) ratio | 9.7121% | 3,938 |
| Tier 1 risk-based capital ratio | 19.8034% | 1,811 |
| Total risk-based capital ratio | 21.0572% | 1,782 |
| Memoranda: | ||
| Average total assets | $43,595,468,750 | 40 |
| Average earning assets | $41,936,842,750 | 38 |
| Average equity | $4,277,417,750 | 46 |
| Average total loans | $28,592,238,250 | 35 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 5,160 |
| Cost of funding earning assets | 2.0110% | 33 |
| Net interest margin | 2.1312% | 7,069 |
| Noninterest income to average assets | 0.0259% | 6,932 |
| Noninterest expense to average assets | 0.7895% | 7,209 |
| Loan and lease loss provision to assets | 0.2264% | 2,810 |
| Net operating income to assets | 0.6442% | 4,140 |
| Return on assets (ROA) | 0.6442% | 4,393 |
| Pretax return on assets | 1.0592% | 3,465 |
| Return on Equity (ROE) | 6.6905% | 3,937 |
| Retained earnings to average equity (ytd only) | 3.1664% | 4,512 |
| Net charge-offs to loans | 0.2489% | 3,085 |
| Credit loss provision to net charge-offs | 139.3146% | 1,980 |
| Earnings coverage of net charge-offs (x) | 7.9096% | 2,395 |
| Efficiency ratio | 38.0462% | 7,092 |
| Assets per employee ($millions) | 26.8699% | 46 |
| Cash dividends to net income (ytd only)* | 52.6730% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 6,082 |
| Loan loss allowance to noncurrent loans | 26.3202% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 2.6403% | 2,099 |
| Noncurrent loans to loans | 3.8674% | 1,439 |
| Net loans and leases to total assets | 65.1596% | 2,819 |
| Net loans and leases to deposits | 112.9589% | 115 |
| Net loans and leases to core deposits | 117.4649% | 357 |
| Total domestic deposits to total assets | 57.6843% | 7,150 |
| Equity capital to assets | 10.0112% | 4,319 |
| Core capital (leverage) ratio | 9.4070% | 4,291 |
| Tier 1 risk-based capital ratio | 19.4320% | 1,868 |
| Total risk-based capital ratio | 20.6851% | 1,833 |
| Memoranda: | ||
| Average total assets | $44,160,643,330 | 40 |
| Average earning assets | $42,463,365,670 | 38 |
| Average equity | $4,251,902,000 | 45 |
| Average total loans | $28,843,251,670 | 35 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 5,199 |
| Cost of funding earning assets | 2.0238% | 42 |
| Net interest margin | 2.1498% | 7,112 |
| Noninterest income to average assets | 0.0249% | 7,036 |
| Noninterest expense to average assets | 0.8150% | 7,271 |
| Loan and lease loss provision to assets | 0.2234% | 2,712 |
| Net operating income to assets | 0.6380% | 4,181 |
| Return on assets (ROA) | 0.6380% | 4,394 |
| Pretax return on assets | 1.0524% | 3,493 |
| Return on Equity (ROE) | 6.7556% | 3,917 |
| Retained earnings to average equity (ytd only) | 3.2109% | 4,641 |
| Net charge-offs to loans | 0.2483% | 2,685 |
| Credit loss provision to net charge-offs | 138.2896% | 1,780 |
| Earnings coverage of net charge-offs (x) | 7.8971% | 2,024 |
| Efficiency ratio | 38.9788% | 7,124 |
| Assets per employee ($millions) | 27.5208% | 46 |
| Cash dividends to net income (ytd only)* | 52.4701% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 6,341 |
| Loan loss allowance to noncurrent loans | 26.3683% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 2.4904% | 2,371 |
| Noncurrent loans to loans | 3.6932% | 1,678 |
| Net loans and leases to total assets | 64.6633% | 2,725 |
| Net loans and leases to deposits | 112.9910% | 105 |
| Net loans and leases to core deposits | 117.2634% | 353 |
| Total domestic deposits to total assets | 57.2288% | 7,215 |
| Equity capital to assets | 9.6380% | 4,601 |
| Core capital (leverage) ratio | 9.1429% | 4,618 |
| Tier 1 risk-based capital ratio | 19.1563% | 1,946 |
| Total risk-based capital ratio | 20.4087% | 1,913 |
| Memoranda: | ||
| Average total assets | $44,758,478,500 | 39 |
| Average earning assets | $43,012,632,500 | 38 |
| Average equity | $4,227,208,500 | 45 |
| Average total loans | $29,123,033,000 | 32 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 5,737 |
| Cost of funding earning assets | 2.3837% | 35 |
| Net interest margin | 1.9254% | 7,234 |
| Noninterest income to average assets | 0.0219% | 6,932 |
| Noninterest expense to average assets | 4.2680% | 743 |
| Loan and lease loss provision to assets | 0.2298% | 3,903 |
| Net operating income to assets | -1.5481% | 6,915 |
| Return on assets (ROA) | -1.4225% | 6,907 |
| Pretax return on assets | -2.4250% | 7,108 |
| Return on Equity (ROE) | -16.3172% | 6,919 |
| Retained earnings to average equity (ytd only) | -17.9597% | 6,936 |
| Net charge-offs to loans | 0.2418% | 4,266 |
| Credit loss provision to net charge-offs | 163.7935% | 1,669 |
| Earnings coverage of net charge-offs (x) | -17.0427% | 6,406 |
| Efficiency ratio | 227.2753% | 43 |
| Assets per employee ($millions) | 28.6088% | 45 |
| Cash dividends to net income (ytd only)* | -10.0662% | 7,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 6,462 |
| Loan loss allowance to noncurrent loans | 26.7718% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 2.3434% | 2,587 |
| Noncurrent loans to loans | 3.4761% | 1,843 |
| Net loans and leases to total assets | 64.2378% | 3,136 |
| Net loans and leases to deposits | 113.6530% | 122 |
| Net loans and leases to core deposits | 117.9893% | 395 |
| Total domestic deposits to total assets | 56.5210% | 7,262 |
| Equity capital to assets | 9.2562% | 5,202 |
| Core capital (leverage) ratio | 8.8308% | 5,059 |
| Tier 1 risk-based capital ratio | 18.7513% | 1,975 |
| Total risk-based capital ratio | 20.0025% | 1,933 |
| Memoranda: | ||
| Average total assets | $52,212,435,800 | 36 |
| Average earning assets | $50,295,772,200 | 35 |
| Average equity | $4,551,889,000 | 40 |
| Average total loans | $30,296,610,200 | 31 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 5,790 |
| Cost of funding earning assets | 2.3853% | 41 |
| Net interest margin | 1.9614% | 7,306 |
| Noninterest income to average assets | 0.0212% | 7,040 |
| Noninterest expense to average assets | 3.4835% | 1,983 |
| Loan and lease loss provision to assets | 0.2349% | 3,660 |
| Net operating income to assets | -1.1028% | 6,921 |
| Return on assets (ROA) | -0.9406% | 6,896 |
| Pretax return on assets | -1.5529% | 7,029 |
| Return on Equity (ROE) | -10.9314% | 6,919 |
| Retained earnings to average equity (ytd only) | -10.9314% | 6,886 |
| Net charge-offs to loans | 0.2329% | 3,970 |
| Credit loss provision to net charge-offs | 178.2364% | 1,672 |
| Earnings coverage of net charge-offs (x) | -11.9231% | 6,139 |
| Efficiency ratio | 182.0330% | 68 |
| Assets per employee ($millions) | 32.1842% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 6,624 |
| Loan loss allowance to noncurrent loans | 28.3285% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 1.9462% | 3,209 |
| Noncurrent loans to loans | 3.1469% | 2,212 |
| Net loans and leases to total assets | 58.7570% | 4,363 |
| Net loans and leases to deposits | 117.0980% | 103 |
| Net loans and leases to core deposits | 121.6285% | 348 |
| Total domestic deposits to total assets | 50.1776% | 7,359 |
| Equity capital to assets | 9.1561% | 5,578 |
| Core capital (leverage) ratio | 8.7729% | 5,307 |
| Tier 1 risk-based capital ratio | 20.3396% | 1,603 |
| Total risk-based capital ratio | 21.5728% | 1,579 |
| Memoranda: | ||
| Average total assets | $53,922,153,000 | 35 |
| Average earning assets | $51,984,867,750 | 32 |
| Average equity | $4,639,892,250 | 39 |
| Average total loans | $30,515,572,000 | 30 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4196% | 5,622 |
| Cost of funding earning assets | 2.4439% | 36 |
| Net interest margin | 1.9757% | 7,370 |
| Noninterest income to average assets | 0.0199% | 7,148 |
| Noninterest expense to average assets | 4.8247% | 426 |
| Loan and lease loss provision to assets | 0.2548% | 3,365 |
| Net operating income to assets | -1.9238% | 7,181 |
| Return on assets (ROA) | -1.6850% | 7,149 |
| Pretax return on assets | -2.7824% | 7,283 |
| Return on Equity (ROE) | -19.9775% | 7,152 |
| Retained earnings to average equity (ytd only) | -19.9775% | 7,136 |
| Net charge-offs to loans | 0.2344% | 3,716 |
| Credit loss provision to net charge-offs | 194.9426% | 1,549 |
| Earnings coverage of net charge-offs (x) | -22.1923% | 5,843 |
| Efficiency ratio | 250.6118% | 33 |
| Assets per employee ($millions) | 32.8348% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 6,755 |
| Loan loss allowance to noncurrent loans | 28.5643% | 6,349 |
| Noncurrent assets plus other real estate owned to assets | 1.8397% | 3,453 |
| Noncurrent loans to loans | 3.0003% | 2,418 |
| Net loans and leases to total assets | 58.3437% | 4,566 |
| Net loans and leases to deposits | 117.6177% | 103 |
| Net loans and leases to core deposits | 122.0602% | 377 |
| Total domestic deposits to total assets | 49.6046% | 7,432 |
| Equity capital to assets | 8.7477% | 5,877 |
| Core capital (leverage) ratio | 8.4361% | 5,650 |
| Tier 1 risk-based capital ratio | 19.1199% | 1,808 |
| Total risk-based capital ratio | 20.2690% | 1,804 |
| Memoranda: | ||
| Average total assets | $54,945,850,670 | 34 |
| Average earning assets | $52,957,666,670 | 32 |
| Average equity | $4,634,530,330 | 41 |
| Average total loans | $30,638,322,000 | 32 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 5,242 |
| Cost of funding earning assets | 2.6717% | 23 |
| Net interest margin | 1.8578% | 7,443 |
| Noninterest income to average assets | 0.0194% | 7,249 |
| Noninterest expense to average assets | 8.7756% | 89 |
| Loan and lease loss provision to assets | 0.2830% | 2,883 |
| Net operating income to assets | -4.4080% | 7,464 |
| Return on assets (ROA) | -3.9439% | 7,447 |
| Pretax return on assets | -6.5220% | 7,512 |
| Return on Equity (ROE) | -47.5667% | 7,407 |
| Retained earnings to average equity (ytd only) | -47.5667% | 7,394 |
| Net charge-offs to loans | 0.2551% | 3,054 |
| Credit loss provision to net charge-offs | 204.1337% | 1,452 |
| Earnings coverage of net charge-offs (x) | -50.2251% | 5,091 |
| Efficiency ratio | 484.2678% | 10 |
| Assets per employee ($millions) | 33.4156% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8130% | 6,888 |
| Loan loss allowance to noncurrent loans | 27.9106% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 1.7750% | 3,609 |
| Noncurrent loans to loans | 2.9130% | 2,582 |
| Net loans and leases to total assets | 57.5805% | 4,709 |
| Net loans and leases to deposits | 117.7906% | 105 |
| Net loans and leases to core deposits | 122.3231% | 376 |
| Total domestic deposits to total assets | 48.8838% | 7,490 |
| Equity capital to assets | 8.2635% | 6,206 |
| Core capital (leverage) ratio | 8.1244% | 6,091 |
| Tier 1 risk-based capital ratio | 18.5447% | 1,949 |
| Total risk-based capital ratio | 19.6255% | 1,949 |
| Memoranda: | ||
| Average total assets | $56,528,515,500 | 33 |
| Average earning assets | $54,534,316,000 | 31 |
| Average equity | $4,686,998,000 | 42 |
| Average total loans | $30,721,564,000 | 32 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 5,708 |
| Cost of funding earning assets | 2.7270% | 53 |
| Net interest margin | 1.9989% | 7,457 |
| Noninterest income to average assets | 0.0171% | 7,221 |
| Noninterest expense to average assets | 0.4365% | 7,617 |
| Loan and lease loss provision to assets | 0.3213% | 4,247 |
| Net operating income to assets | 0.7123% | 3,185 |
| Return on assets (ROA) | 0.8732% | 2,632 |
| Pretax return on assets | 1.4513% | 1,507 |
| Return on Equity (ROE) | 10.5602% | 1,737 |
| Retained earnings to average equity (ytd only) | 4.5864% | 2,672 |
| Net charge-offs to loans | 0.3394% | 4,315 |
| Credit loss provision to net charge-offs | 180.5221% | 1,831 |
| Earnings coverage of net charge-offs (x) | 8.5465% | 1,959 |
| Efficiency ratio | 22.1611% | 7,618 |
| Assets per employee ($millions) | 38.8143% | 40 |
| Cash dividends to net income (ytd only)* | 56.5693% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7323% | 7,080 |
| Loan loss allowance to noncurrent loans | 26.0604% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 1.5124% | 4,045 |
| Noncurrent loans to loans | 2.8099% | 2,717 |
| Net loans and leases to total assets | 50.7682% | 6,075 |
| Net loans and leases to deposits | 121.1194% | 109 |
| Net loans and leases to core deposits | 126.1817% | 389 |
| Total domestic deposits to total assets | 41.9158% | 7,577 |
| Equity capital to assets | 8.3155% | 6,121 |
| Core capital (leverage) ratio | 7.9552% | 6,261 |
| Tier 1 risk-based capital ratio | 21.7093% | 1,217 |
| Total risk-based capital ratio | 22.7371% | 1,225 |
| Memoranda: | ||
| Average total assets | $60,690,333,200 | 32 |
| Average earning assets | $58,919,147,000 | 27 |
| Average equity | $5,018,437,000 | 41 |
| Average total loans | $31,831,076,800 | 33 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 5,503 |
| Cost of funding earning assets | 2.7417% | 59 |
| Net interest margin | 2.1014% | 7,551 |
| Noninterest income to average assets | 0.0168% | 7,397 |
| Noninterest expense to average assets | 0.4294% | 7,737 |
| Loan and lease loss provision to assets | 0.3294% | 3,958 |
| Net operating income to assets | 0.7722% | 3,123 |
| Return on assets (ROA) | 0.9021% | 2,748 |
| Pretax return on assets | 1.5015% | 1,614 |
| Return on Equity (ROE) | 10.9247% | 1,809 |
| Retained earnings to average equity (ytd only) | 4.9442% | 3,031 |
| Net charge-offs to loans | 0.3297% | 4,014 |
| Credit loss provision to net charge-offs | 189.3461% | 1,902 |
| Earnings coverage of net charge-offs (x) | 9.3566% | 2,032 |
| Efficiency ratio | 20.7380% | 7,727 |
| Assets per employee ($millions) | 38.5358% | 42 |
| Cash dividends to net income (ytd only)* | 54.7431% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6622% | 7,262 |
| Loan loss allowance to noncurrent loans | 25.1775% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 1.4480% | 4,282 |
| Noncurrent loans to loans | 2.6300% | 2,994 |
| Net loans and leases to total assets | 52.1829% | 6,077 |
| Net loans and leases to deposits | 125.7795% | 90 |
| Net loans and leases to core deposits | 131.3686% | 361 |
| Total domestic deposits to total assets | 41.4876% | 7,681 |
| Equity capital to assets | 8.5079% | 6,268 |
| Core capital (leverage) ratio | 7.9087% | 6,453 |
| Tier 1 risk-based capital ratio | 21.4442% | 1,296 |
| Total risk-based capital ratio | 22.3976% | 1,316 |
| Memoranda: | ||
| Average total assets | $60,705,925,250 | 31 |
| Average earning assets | $58,949,200,500 | 26 |
| Average equity | $5,012,672,500 | 41 |
| Average total loans | $32,037,152,750 | 33 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9261% | 5,283 |
| Cost of funding earning assets | 2.7488% | 75 |
| Net interest margin | 2.1773% | 7,592 |
| Noninterest income to average assets | 0.0158% | 7,477 |
| Noninterest expense to average assets | 0.4280% | 7,807 |
| Loan and lease loss provision to assets | 0.3293% | 3,767 |
| Net operating income to assets | 0.8193% | 2,880 |
| Return on assets (ROA) | 0.9487% | 2,463 |
| Pretax return on assets | 1.5747% | 1,374 |
| Return on Equity (ROE) | 11.6066% | 1,559 |
| Retained earnings to average equity (ytd only) | 5.5679% | 2,573 |
| Net charge-offs to loans | 0.2934% | 3,857 |
| Credit loss provision to net charge-offs | 212.3548% | 1,834 |
| Earnings coverage of net charge-offs (x) | 10.9748% | 1,820 |
| Efficiency ratio | 19.9621% | 7,794 |
| Assets per employee ($millions) | 39.1350% | 37 |
| Cash dividends to net income (ytd only)* | 52.0283% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5982% | 7,417 |
| Loan loss allowance to noncurrent loans | 24.4240% | 6,714 |
| Noncurrent assets plus other real estate owned to assets | 1.3323% | 4,489 |
| Noncurrent loans to loans | 2.4493% | 3,197 |
| Net loans and leases to total assets | 52.6265% | 6,146 |
| Net loans and leases to deposits | 126.2526% | 86 |
| Net loans and leases to core deposits | 126.2526% | 506 |
| Total domestic deposits to total assets | 41.6835% | 7,752 |
| Equity capital to assets | 8.3383% | 6,372 |
| Core capital (leverage) ratio | 7.7714% | 6,530 |
| Tier 1 risk-based capital ratio | 21.0373% | 1,331 |
| Total risk-based capital ratio | 21.9034% | 1,369 |
| Memoranda: | ||
| Average total assets | $60,735,637,670 | 32 |
| Average earning assets | $58,969,972,670 | 26 |
| Average equity | $4,964,482,670 | 38 |
| Average total loans | $32,102,055,670 | 32 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9945% | 5,045 |
| Cost of funding earning assets | 2.7669% | 98 |
| Net interest margin | 2.2276% | 7,636 |
| Noninterest income to average assets | 0.0147% | 7,611 |
| Noninterest expense to average assets | 0.4357% | 7,911 |
| Loan and lease loss provision to assets | 0.3298% | 3,420 |
| Net operating income to assets | 0.8403% | 2,791 |
| Return on assets (ROA) | 0.9702% | 2,363 |
| Pretax return on assets | 1.6143% | 1,229 |
| Return on Equity (ROE) | 11.9910% | 1,504 |
| Retained earnings to average equity (ytd only) | 5.8807% | 2,677 |
| Net charge-offs to loans | 0.3028% | 3,207 |
| Credit loss provision to net charge-offs | 206.2366% | 1,811 |
| Earnings coverage of net charge-offs (x) | 10.8869% | 1,700 |
| Efficiency ratio | 19.8840% | 7,900 |
| Assets per employee ($millions) | 40.7374% | 39 |
| Cash dividends to net income (ytd only)* | 50.9573% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5153% | 7,580 |
| Loan loss allowance to noncurrent loans | 22.2629% | 6,893 |
| Noncurrent assets plus other real estate owned to assets | 1.2510% | 4,679 |
| Noncurrent loans to loans | 2.3145% | 3,371 |
| Net loans and leases to total assets | 52.3948% | 6,230 |
| Net loans and leases to deposits | 124.9760% | 101 |
| Net loans and leases to core deposits | 124.9760% | 613 |
| Total domestic deposits to total assets | 41.9239% | 7,854 |
| Equity capital to assets | 8.0777% | 6,573 |
| Core capital (leverage) ratio | 7.5996% | 6,737 |
| Tier 1 risk-based capital ratio | 20.5062% | 1,428 |
| Total risk-based capital ratio | 21.2430% | 1,492 |
| Memoranda: | ||
| Average total assets | $60,636,892,500 | 30 |
| Average earning assets | $58,854,788,000 | 26 |
| Average equity | $4,906,338,500 | 38 |
| Average total loans | $32,023,090,500 | 32 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3032% | 5,159 |
| Cost of funding earning assets | 3.0874% | 183 |
| Net interest margin | 2.2157% | 7,640 |
| Noninterest income to average assets | 0.0164% | 7,631 |
| Noninterest expense to average assets | 0.4618% | 7,984 |
| Loan and lease loss provision to assets | 0.2404% | 5,458 |
| Net operating income to assets | 0.8779% | 2,251 |
| Return on assets (ROA) | 0.9050% | 2,225 |
| Pretax return on assets | 1.5051% | 1,174 |
| Return on Equity (ROE) | 10.9965% | 1,427 |
| Retained earnings to average equity (ytd only) | 4.2404% | 2,253 |
| Net charge-offs to loans | 0.1538% | 5,728 |
| Credit loss provision to net charge-offs | 291.1717% | 1,146 |
| Earnings coverage of net charge-offs (x) | 20.6327% | 1,034 |
| Efficiency ratio | 21.1789% | 7,978 |
| Assets per employee ($millions) | 40.5990% | 43 |
| Cash dividends to net income (ytd only)* | 61.4381% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4396% | 7,722 |
| Loan loss allowance to noncurrent loans | 22.3156% | 6,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0711% | 4,952 |
| Noncurrent loans to loans | 1.9699% | 3,690 |
| Net loans and leases to total assets | 52.7258% | 6,338 |
| Net loans and leases to deposits | 127.9054% | 105 |
| Net loans and leases to core deposits | 168.2247% | 250 |
| Total domestic deposits to total assets | 41.2225% | 7,930 |
| Equity capital to assets | 8.1052% | 6,455 |
| Core capital (leverage) ratio | 7.5879% | 6,696 |
| Tier 1 risk-based capital ratio | 20.3895% | 1,393 |
| Total risk-based capital ratio | 21.0192% | 1,465 |
| Memoranda: | ||
| Average total assets | $57,207,534,800 | 32 |
| Average earning assets | $55,472,290,600 | 30 |
| Average equity | $4,707,879,000 | 35 |
| Average total loans | $30,709,111,200 | 31 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3457% | 5,193 |
| Cost of funding earning assets | 3.1523% | 215 |
| Net interest margin | 2.1934% | 7,714 |
| Noninterest income to average assets | 0.0170% | 7,783 |
| Noninterest expense to average assets | 0.4755% | 8,074 |
| Loan and lease loss provision to assets | 0.2184% | 5,231 |
| Net operating income to assets | 0.8689% | 2,543 |
| Return on assets (ROA) | 0.9055% | 2,471 |
| Pretax return on assets | 1.5070% | 1,397 |
| Return on Equity (ROE) | 10.9588% | 1,632 |
| Retained earnings to average equity (ytd only) | 4.0072% | 3,035 |
| Net charge-offs to loans | 0.1204% | 5,496 |
| Credit loss provision to net charge-offs | 336.8045% | 1,224 |
| Earnings coverage of net charge-offs (x) | 25.7262% | 1,042 |
| Efficiency ratio | 22.0248% | 8,049 |
| Assets per employee ($millions) | 39.5715% | 45 |
| Cash dividends to net income (ytd only)* | 63.4337% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3680% | 7,849 |
| Loan loss allowance to noncurrent loans | 22.1863% | 6,966 |
| Noncurrent assets plus other real estate owned to assets | 0.9040% | 5,265 |
| Noncurrent loans to loans | 1.6587% | 4,153 |
| Net loans and leases to total assets | 52.9787% | 6,500 |
| Net loans and leases to deposits | 133.2692% | 91 |
| Net loans and leases to core deposits | 175.5726% | 219 |
| Total domestic deposits to total assets | 39.7531% | 8,017 |
| Equity capital to assets | 8.2149% | 6,621 |
| Core capital (leverage) ratio | 7.6804% | 6,754 |
| Tier 1 risk-based capital ratio | 20.7348% | 1,413 |
| Total risk-based capital ratio | 21.2689% | 1,505 |
| Memoranda: | ||
| Average total assets | $56,467,478,500 | 34 |
| Average earning assets | $54,752,993,500 | 33 |
| Average equity | $4,665,674,000 | 37 |
| Average total loans | $30,420,389,000 | 31 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3740% | 5,285 |
| Cost of funding earning assets | 3.2302% | 246 |
| Net interest margin | 2.1438% | 7,784 |
| Noninterest income to average assets | 0.0168% | 7,883 |
| Noninterest expense to average assets | 0.4976% | 8,172 |
| Loan and lease loss provision to assets | 0.1884% | 5,151 |
| Net operating income to assets | 0.8450% | 2,673 |
| Return on assets (ROA) | 0.9005% | 2,559 |
| Pretax return on assets | 1.4951% | 1,457 |
| Return on Equity (ROE) | 10.8769% | 1,734 |
| Retained earnings to average equity (ytd only) | 3.5532% | 3,325 |
| Net charge-offs to loans | 0.0945% | 5,232 |
| Credit loss provision to net charge-offs | 368.5762% | 1,265 |
| Earnings coverage of net charge-offs (x) | 31.2348% | 969 |
| Efficiency ratio | 23.5909% | 8,131 |
| Assets per employee ($millions) | 39.2019% | 44 |
| Cash dividends to net income (ytd only)* | 67.3330% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2858% | 7,999 |
| Loan loss allowance to noncurrent loans | 20.4343% | 7,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 5,461 |
| Noncurrent loans to loans | 1.3987% | 4,413 |
| Net loans and leases to total assets | 53.7481% | 6,488 |
| Net loans and leases to deposits | 140.2789% | 82 |
| Net loans and leases to core deposits | 185.7103% | 179 |
| Total domestic deposits to total assets | 38.3152% | 8,104 |
| Equity capital to assets | 8.2258% | 6,452 |
| Core capital (leverage) ratio | 7.7269% | 6,710 |
| Tier 1 risk-based capital ratio | 20.6746% | 1,452 |
| Total risk-based capital ratio | 21.0897% | 1,565 |
| Memoranda: | ||
| Average total assets | $55,728,451,330 | 35 |
| Average earning assets | $54,003,392,670 | 34 |
| Average equity | $4,613,933,000 | 38 |
| Average total loans | $30,158,799,670 | 33 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 5,294 |
| Cost of funding earning assets | 3.3235% | 250 |
| Net interest margin | 2.1006% | 7,850 |
| Noninterest income to average assets | 0.0155% | 7,997 |
| Noninterest expense to average assets | 0.3955% | 8,222 |
| Loan and lease loss provision to assets | 0.1454% | 5,084 |
| Net operating income to assets | 0.9099% | 2,660 |
| Return on assets (ROA) | 0.9106% | 2,806 |
| Pretax return on assets | 1.5123% | 1,632 |
| Return on Equity (ROE) | 10.9617% | 1,973 |
| Retained earnings to average equity (ytd only) | 4.9094% | 3,181 |
| Net charge-offs to loans | 0.0627% | 4,577 |
| Credit loss provision to net charge-offs | 427.7160% | 1,244 |
| Earnings coverage of net charge-offs (x) | 48.7275% | 745 |
| Efficiency ratio | 19.0968% | 8,190 |
| Assets per employee ($millions) | 38.4930% | 48 |
| Cash dividends to net income (ytd only)* | 55.2135% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2158% | 8,097 |
| Loan loss allowance to noncurrent loans | 20.3402% | 7,150 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 5,706 |
| Noncurrent loans to loans | 1.0610% | 4,861 |
| Net loans and leases to total assets | 53.6525% | 6,510 |
| Net loans and leases to deposits | 146.0803% | 72 |
| Net loans and leases to core deposits | 196.7314% | 150 |
| Total domestic deposits to total assets | 36.7281% | 8,152 |
| Equity capital to assets | 8.2711% | 6,428 |
| Core capital (leverage) ratio | 7.7904% | 6,763 |
| Tier 1 risk-based capital ratio | 20.8900% | 1,466 |
| Total risk-based capital ratio | 21.2035% | 1,590 |
| Memoranda: | ||
| Average total assets | $55,014,508,000 | 38 |
| Average earning assets | $53,341,420,500 | 35 |
| Average equity | $4,570,119,500 | 38 |
| Average total loans | $29,833,946,000 | 35 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5880% | 7,107 |
| Cost of funding earning assets | 3.6354% | 335 |
| Net interest margin | 1.9527% | 8,092 |
| Noninterest income to average assets | 0.0173% | 8,042 |
| Noninterest expense to average assets | 0.4019% | 8,268 |
| Loan and lease loss provision to assets | 0.0398% | 6,917 |
| Net operating income to assets | 0.8898% | 3,041 |
| Return on assets (ROA) | 0.8898% | 2,884 |
| Pretax return on assets | 1.4668% | 1,774 |
| Return on Equity (ROE) | 10.0741% | 2,234 |
| Retained earnings to average equity (ytd only) | 3.7826% | 2,777 |
| Net charge-offs to loans | 0.0165% | 6,643 |
| Credit loss provision to net charge-offs | 438.7939% | 998 |
| Earnings coverage of net charge-offs (x) | 166.1962% | 277 |
| Efficiency ratio | 20.5981% | 8,260 |
| Assets per employee ($millions) | 37.1511% | 46 |
| Cash dividends to net income (ytd only)* | 62.4523% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1689% | 8,183 |
| Loan loss allowance to noncurrent loans | 22.8873% | 7,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4324% | 5,917 |
| Noncurrent loans to loans | 0.7378% | 5,185 |
| Net loans and leases to total assets | 54.6165% | 6,590 |
| Net loans and leases to deposits | 157.6968% | 70 |
| Net loans and leases to core deposits | 209.2429% | 143 |
| Total domestic deposits to total assets | 34.6339% | 8,210 |
| Equity capital to assets | 8.3446% | 6,352 |
| Core capital (leverage) ratio | 7.9897% | 6,512 |
| Tier 1 risk-based capital ratio | 21.2700% | 1,420 |
| Total risk-based capital ratio | 21.5179% | 1,542 |
| Memoranda: | ||
| Average total assets | $49,023,798,200 | 39 |
| Average earning assets | $47,480,373,200 | 36 |
| Average equity | $4,329,992,800 | 40 |
| Average total loans | $26,900,886,000 | 38 |