Home > ING Bank, fsb > Performance and Condition Ratios
ING Bank, fsb, Performance and Condition Ratios
| 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 | 1.6951% | 7,124 |
| Cost of funding earning assets | 0.6024% | 4,621 |
| Net interest margin | 1.0928% | 7,137 |
| Noninterest income to average assets | 0.1106% | 6,584 |
| Noninterest expense to average assets | 0.6966% | 7,146 |
| Loan and lease loss provision to assets | 0.0385% | 5,294 |
| Net operating income to assets | 0.3015% | 5,611 |
| Return on assets (ROA) | 0.3101% | 5,789 |
| Pretax return on assets | 0.4434% | 5,614 |
| Return on Equity (ROE) | 3.0893% | 5,646 |
| Retained earnings to average equity (ytd only) | 3.0893% | 4,696 |
| Net charge-offs to loans | 0.0128% | 5,522 |
| Credit loss provision to net charge-offs | 726.4784% | 382 |
| Earnings coverage of net charge-offs (x) | 88.7281% | 468 |
| Efficiency ratio | 52.2345% | 6,433 |
| Assets per employee ($millions) | 41.6427% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0641% | 7,108 |
| Loan loss allowance to noncurrent loans | 4.6242% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 5,071 |
| Noncurrent loans to loans | 1.3865% | 3,720 |
| Net loans and leases to total assets | 37.9278% | 6,419 |
| Net loans and leases to deposits | 42.6227% | 6,569 |
| Net loans and leases to core deposits | 42.6812% | 6,647 |
| Total domestic deposits to total assets | 88.9850% | 1,435 |
| Equity capital to assets | 10.1991% | 4,206 |
| Core capital (leverage) ratio | 9.3913% | 4,446 |
| Tier 1 risk-based capital ratio | 27.3106% | 716 |
| Total risk-based capital ratio | 27.3822% | 796 |
| Memoranda: | ||
| Average total assets | $95,404,590,500 | 20 |
| Average earning assets | $92,167,102,250 | 18 |
| Average equity | $9,575,463,000 | 28 |
| Average total loans | $39,399,470,750 | 29 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5006% | 7,206 |
| Cost of funding earning assets | 0.5382% | 5,382 |
| Net interest margin | 0.9624% | 7,210 |
| Noninterest income to average assets | 0.1025% | 6,668 |
| Noninterest expense to average assets | 0.5884% | 7,214 |
| Loan and lease loss provision to assets | 0.0029% | 5,605 |
| Net operating income to assets | 0.3180% | 5,557 |
| Return on assets (ROA) | 0.3426% | 5,680 |
| Pretax return on assets | 0.4741% | 5,507 |
| Return on Equity (ROE) | 3.4330% | 5,515 |
| Retained earnings to average equity (ytd only) | 3.4330% | 4,316 |
| Net charge-offs to loans | 0.0049% | 5,434 |
| Credit loss provision to net charge-offs | 141.8699% | 1,956 |
| Earnings coverage of net charge-offs (x) | 213.1189% | 208 |
| Efficiency ratio | 49.3997% | 6,684 |
| Assets per employee ($millions) | 39.8216% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0011% | 7,185 |
| Loan loss allowance to noncurrent loans | 0.0808% | 6,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 5,132 |
| Noncurrent loans to loans | 1.3066% | 3,962 |
| Net loans and leases to total assets | 40.6447% | 6,301 |
| Net loans and leases to deposits | 45.3066% | 6,489 |
| Net loans and leases to core deposits | 45.3710% | 6,602 |
| Total domestic deposits to total assets | 89.7103% | 1,099 |
| Equity capital to assets | 10.1245% | 4,156 |
| Core capital (leverage) ratio | 9.4198% | 4,270 |
| Tier 1 risk-based capital ratio | 26.4492% | 771 |
| Total risk-based capital ratio | 26.4504% | 867 |
| Memoranda: | ||
| Average total assets | $94,697,053,330 | 22 |
| Average earning assets | $91,394,185,000 | 18 |
| Average equity | $9,451,642,330 | 28 |
| Average total loans | $40,194,732,000 | 29 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9690% | 7,283 |
| Cost of funding earning assets | 0.3622% | 6,589 |
| Net interest margin | 0.6069% | 7,283 |
| Noninterest income to average assets | 0.0738% | 6,847 |
| Noninterest expense to average assets | 0.4276% | 7,288 |
| Loan and lease loss provision to assets | 0.0053% | 5,209 |
| Net operating income to assets | 0.1618% | 6,090 |
| Return on assets (ROA) | 0.1584% | 6,230 |
| Pretax return on assets | 0.2213% | 6,153 |
| Return on Equity (ROE) | 1.5987% | 6,191 |
| Retained earnings to average equity (ytd only) | 1.5987% | 5,438 |
| Net charge-offs to loans | 0.0078% | 4,623 |
| Credit loss provision to net charge-offs | 156.8900% | 1,617 |
| Earnings coverage of net charge-offs (x) | 68.7598% | 491 |
| Efficiency ratio | 57.3935% | 5,994 |
| Assets per employee ($millions) | 40.1630% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0011% | 7,246 |
| Loan loss allowance to noncurrent loans | 0.0803% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 0.7535% | 5,045 |
| Noncurrent loans to loans | 1.3988% | 4,013 |
| Net loans and leases to total assets | 41.7896% | 6,212 |
| Net loans and leases to deposits | 46.4717% | 6,391 |
| Net loans and leases to core deposits | 46.5381% | 6,534 |
| Total domestic deposits to total assets | 89.9248% | 1,125 |
| Equity capital to assets | 9.9943% | 4,129 |
| Core capital (leverage) ratio | 9.3704% | 4,237 |
| Tier 1 risk-based capital ratio | 31.4949% | 461 |
| Total risk-based capital ratio | 31.4964% | 502 |
| Memoranda: | ||
| Average total assets | $94,020,707,000 | 22 |
| Average earning assets | $90,662,804,000 | 18 |
| Average equity | $9,315,168,000 | 28 |
| Average total loans | $40,772,334,500 | 28 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8781% | 7,202 |
| Cost of funding earning assets | 0.9725% | 3,561 |
| Net interest margin | 1.9056% | 7,242 |
| Noninterest income to average assets | -0.3180% | 7,211 |
| Noninterest expense to average assets | 0.7167% | 7,316 |
| Loan and lease loss provision to assets | 0.5107% | 2,057 |
| Net operating income to assets | 0.1877% | 5,627 |
| Return on assets (ROA) | 0.1711% | 5,816 |
| Pretax return on assets | 0.2610% | 5,652 |
| Return on Equity (ROE) | 1.7373% | 5,759 |
| Retained earnings to average equity (ytd only) | 1.7373% | 4,983 |
| Net charge-offs to loans | 0.9906% | 1,755 |
| Credit loss provision to net charge-offs | 113.9370% | 2,872 |
| Earnings coverage of net charge-offs (x) | 1.7776% | 4,446 |
| Efficiency ratio | 46.6493% | 7,013 |
| Assets per employee ($millions) | 38.1359% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0770% | 5,897 |
| Loan loss allowance to noncurrent loans | 35.1888% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 1.6060% | 3,544 |
| Noncurrent loans to loans | 3.0607% | 2,121 |
| Net loans and leases to total assets | 44.5176% | 6,159 |
| Net loans and leases to deposits | 49.4682% | 6,401 |
| Net loans and leases to core deposits | 49.5474% | 6,552 |
| Total domestic deposits to total assets | 89.9923% | 1,000 |
| Equity capital to assets | 9.8175% | 4,420 |
| Core capital (leverage) ratio | 9.7230% | 3,714 |
| Tier 1 risk-based capital ratio | 28.2454% | 608 |
| Total risk-based capital ratio | 29.4974% | 600 |
| Memoranda: | ||
| Average total assets | $91,068,167,600 | 21 |
| Average earning assets | $87,527,562,000 | 19 |
| Average equity | $8,970,535,200 | 28 |
| Average total loans | $41,206,899,600 | 25 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9002% | 7,282 |
| Cost of funding earning assets | 1.0006% | 3,672 |
| Net interest margin | 1.8996% | 7,322 |
| Noninterest income to average assets | -0.4001% | 7,324 |
| Noninterest expense to average assets | 0.7350% | 7,396 |
| Loan and lease loss provision to assets | 0.5190% | 1,908 |
| Net operating income to assets | 0.1004% | 5,964 |
| Return on assets (ROA) | 0.0957% | 6,087 |
| Pretax return on assets | 0.1635% | 5,969 |
| Return on Equity (ROE) | 0.9706% | 6,072 |
| Retained earnings to average equity (ytd only) | 0.9706% | 5,616 |
| Net charge-offs to loans | 1.0362% | 1,541 |
| Credit loss provision to net charge-offs | 110.5442% | 2,984 |
| Earnings coverage of net charge-offs (x) | 1.4693% | 4,532 |
| Efficiency ratio | 50.8309% | 6,778 |
| Assets per employee ($millions) | 37.0606% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 6,026 |
| Loan loss allowance to noncurrent loans | 33.3626% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 1.6720% | 3,580 |
| Noncurrent loans to loans | 3.1679% | 2,191 |
| Net loans and leases to total assets | 44.4176% | 6,295 |
| Net loans and leases to deposits | 49.4632% | 6,530 |
| Net loans and leases to core deposits | 49.6038% | 6,689 |
| Total domestic deposits to total assets | 89.7991% | 981 |
| Equity capital to assets | 9.8359% | 4,572 |
| Core capital (leverage) ratio | 9.6769% | 3,878 |
| Tier 1 risk-based capital ratio | 27.8392% | 670 |
| Total risk-based capital ratio | 29.0907% | 654 |
| Memoranda: | ||
| Average total assets | $90,782,085,000 | 20 |
| Average earning assets | $87,214,380,000 | 19 |
| Average equity | $8,949,933,000 | 28 |
| Average total loans | $41,134,190,750 | 25 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8766% | 7,370 |
| Cost of funding earning assets | 1.0144% | 3,852 |
| Net interest margin | 1.8622% | 7,391 |
| Noninterest income to average assets | -0.7368% | 7,448 |
| Noninterest expense to average assets | 0.7908% | 7,470 |
| Loan and lease loss provision to assets | 0.5114% | 1,918 |
| Net operating income to assets | -0.1806% | 6,450 |
| Return on assets (ROA) | -0.1708% | 6,479 |
| Pretax return on assets | -0.2369% | 6,488 |
| Return on Equity (ROE) | -1.7309% | 6,490 |
| Retained earnings to average equity (ytd only) | -1.7309% | 6,202 |
| Net charge-offs to loans | 1.0648% | 1,479 |
| Credit loss provision to net charge-offs | 105.6707% | 2,921 |
| Earnings coverage of net charge-offs (x) | 0.5390% | 4,902 |
| Efficiency ratio | 74.1744% | 3,335 |
| Assets per employee ($millions) | 36.9946% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 6,233 |
| Loan loss allowance to noncurrent loans | 30.3866% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 1.7972% | 3,511 |
| Noncurrent loans to loans | 3.3769% | 2,104 |
| Net loans and leases to total assets | 44.9267% | 6,359 |
| Net loans and leases to deposits | 50.0191% | 6,595 |
| Net loans and leases to core deposits | 50.1686% | 6,750 |
| Total domestic deposits to total assets | 89.8191% | 1,062 |
| Equity capital to assets | 9.7357% | 4,488 |
| Core capital (leverage) ratio | 9.5028% | 3,956 |
| Tier 1 risk-based capital ratio | 26.6867% | 746 |
| Total risk-based capital ratio | 27.9374% | 732 |
| Memoranda: | ||
| Average total assets | $90,480,140,670 | 20 |
| Average earning assets | $86,894,079,670 | 20 |
| Average equity | $8,927,143,670 | 29 |
| Average total loans | $41,125,401,330 | 26 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8785% | 7,423 |
| Cost of funding earning assets | 1.0450% | 3,888 |
| Net interest margin | 1.8336% | 7,449 |
| Noninterest income to average assets | 0.0519% | 7,126 |
| Noninterest expense to average assets | 0.7879% | 7,531 |
| Loan and lease loss provision to assets | 0.5135% | 1,693 |
| Net operating income to assets | 0.3042% | 5,383 |
| Return on assets (ROA) | 0.2644% | 5,626 |
| Pretax return on assets | 0.4486% | 5,192 |
| Return on Equity (ROE) | 2.6620% | 5,538 |
| Retained earnings to average equity (ytd only) | 2.6620% | 4,570 |
| Net charge-offs to loans | 1.1424% | 1,214 |
| Credit loss provision to net charge-offs | 98.8181% | 2,767 |
| Earnings coverage of net charge-offs (x) | 1.9711% | 3,324 |
| Efficiency ratio | 42.8851% | 7,324 |
| Assets per employee ($millions) | 36.8447% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 6,314 |
| Loan loss allowance to noncurrent loans | 28.6905% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 1.8538% | 3,490 |
| Noncurrent loans to loans | 3.5523% | 2,094 |
| Net loans and leases to total assets | 44.4620% | 6,437 |
| Net loans and leases to deposits | 50.2251% | 6,612 |
| Net loans and leases to core deposits | 50.3766% | 6,758 |
| Total domestic deposits to total assets | 88.5255% | 2,055 |
| Equity capital to assets | 9.7552% | 4,102 |
| Core capital (leverage) ratio | 9.5036% | 3,798 |
| Tier 1 risk-based capital ratio | 26.4473% | 744 |
| Total risk-based capital ratio | 27.6977% | 733 |
| Memoranda: | ||
| Average total assets | $90,013,359,000 | 20 |
| Average earning assets | $86,409,747,000 | 20 |
| Average equity | $8,940,813,500 | 28 |
| Average total loans | $40,940,629,000 | 26 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1303% | 7,471 |
| Cost of funding earning assets | 1.3236% | 3,729 |
| Net interest margin | 1.8067% | 7,501 |
| Noninterest income to average assets | 0.0341% | 7,180 |
| Noninterest expense to average assets | 0.7519% | 7,599 |
| Loan and lease loss provision to assets | 0.5558% | 2,907 |
| Net operating income to assets | 0.3281% | 4,839 |
| Return on assets (ROA) | 0.2950% | 5,118 |
| Pretax return on assets | 0.4083% | 4,915 |
| Return on Equity (ROE) | 3.1199% | 4,906 |
| Retained earnings to average equity (ytd only) | 3.1199% | 3,675 |
| Net charge-offs to loans | 0.8888% | 2,411 |
| Credit loss provision to net charge-offs | 142.4185% | 2,628 |
| Earnings coverage of net charge-offs (x) | 2.5880% | 3,807 |
| Efficiency ratio | 41.7760% | 7,468 |
| Assets per employee ($millions) | 37.3319% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 6,070 |
| Loan loss allowance to noncurrent loans | 27.4894% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 2.1030% | 3,213 |
| Noncurrent loans to loans | 3.8964% | 1,880 |
| Net loans and leases to total assets | 45.5807% | 6,594 |
| Net loans and leases to deposits | 51.5306% | 6,778 |
| Net loans and leases to core deposits | 51.7118% | 6,920 |
| Total domestic deposits to total assets | 88.4536% | 1,975 |
| Equity capital to assets | 10.1192% | 3,589 |
| Core capital (leverage) ratio | 10.0917% | 2,981 |
| Tier 1 risk-based capital ratio | 26.8335% | 678 |
| Total risk-based capital ratio | 28.0843% | 671 |
| Memoranda: | ||
| Average total assets | $89,479,565,000 | 22 |
| Average earning assets | $85,567,905,000 | 20 |
| Average equity | $8,461,063,600 | 29 |
| Average total loans | $39,286,565,800 | 29 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1953% | 7,596 |
| Cost of funding earning assets | 1.3779% | 3,723 |
| Net interest margin | 1.8174% | 7,624 |
| Noninterest income to average assets | 0.0198% | 7,392 |
| Noninterest expense to average assets | 0.7258% | 7,718 |
| Loan and lease loss provision to assets | 0.4963% | 2,984 |
| Net operating income to assets | 0.3520% | 4,957 |
| Return on assets (ROA) | 0.3256% | 5,233 |
| Pretax return on assets | 0.4942% | 4,945 |
| Return on Equity (ROE) | 3.5030% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.5030% | 3,988 |
| Net charge-offs to loans | 0.7746% | 2,496 |
| Credit loss provision to net charge-offs | 147.6906% | 2,653 |
| Earnings coverage of net charge-offs (x) | 3.0670% | 3,599 |
| Efficiency ratio | 40.6047% | 7,567 |
| Assets per employee ($millions) | 38.5912% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,343 |
| Loan loss allowance to noncurrent loans | 24.0469% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 2.2063% | 3,190 |
| Noncurrent loans to loans | 4.2075% | 1,736 |
| Net loans and leases to total assets | 44.7276% | 6,794 |
| Net loans and leases to deposits | 50.8872% | 6,954 |
| Net loans and leases to core deposits | 51.1466% | 7,080 |
| Total domestic deposits to total assets | 87.8957% | 2,019 |
| Equity capital to assets | 10.0866% | 4,046 |
| Core capital (leverage) ratio | 10.1627% | 3,081 |
| Tier 1 risk-based capital ratio | 26.8022% | 710 |
| Total risk-based capital ratio | 28.0069% | 692 |
| Memoranda: | ||
| Average total assets | $89,898,325,000 | 22 |
| Average earning assets | $85,895,038,000 | 20 |
| Average equity | $8,355,042,750 | 29 |
| Average total loans | $38,994,405,250 | 29 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1807% | 7,679 |
| Cost of funding earning assets | 1.4285% | 3,680 |
| Net interest margin | 1.7521% | 7,704 |
| Noninterest income to average assets | 0.0278% | 7,439 |
| Noninterest expense to average assets | 0.7094% | 7,795 |
| Loan and lease loss provision to assets | 0.4521% | 3,061 |
| Net operating income to assets | 0.3562% | 4,945 |
| Return on assets (ROA) | 0.3232% | 5,262 |
| Pretax return on assets | 0.4882% | 4,942 |
| Return on Equity (ROE) | 3.5763% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.5763% | 3,824 |
| Net charge-offs to loans | 0.5684% | 2,836 |
| Credit loss provision to net charge-offs | 185.8574% | 2,119 |
| Earnings coverage of net charge-offs (x) | 4.0712% | 3,068 |
| Efficiency ratio | 40.9993% | 7,625 |
| Assets per employee ($millions) | 40.2499% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 6,432 |
| Loan loss allowance to noncurrent loans | 22.2246% | 6,834 |
| Noncurrent assets plus other real estate owned to assets | 2.2105% | 3,248 |
| Noncurrent loans to loans | 4.4777% | 1,626 |
| Net loans and leases to total assets | 43.8923% | 6,930 |
| Net loans and leases to deposits | 51.0387% | 7,022 |
| Net loans and leases to core deposits | 51.3060% | 7,163 |
| Total domestic deposits to total assets | 85.9981% | 3,095 |
| Equity capital to assets | 9.5229% | 4,672 |
| Core capital (leverage) ratio | 9.8157% | 3,381 |
| Tier 1 risk-based capital ratio | 25.8017% | 782 |
| Total risk-based capital ratio | 26.9577% | 778 |
| Memoranda: | ||
| Average total assets | $90,535,122,670 | 22 |
| Average earning assets | $86,384,175,330 | 20 |
| Average equity | $8,181,738,000 | 28 |
| Average total loans | $38,740,149,670 | 27 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1885% | 7,777 |
| Cost of funding earning assets | 1.5238% | 3,409 |
| Net interest margin | 1.6647% | 7,803 |
| Noninterest income to average assets | -0.0597% | 7,731 |
| Noninterest expense to average assets | 0.7228% | 7,897 |
| Loan and lease loss provision to assets | 0.5648% | 2,242 |
| Net operating income to assets | 0.1701% | 5,786 |
| Return on assets (ROA) | 0.1830% | 5,868 |
| Pretax return on assets | 0.2555% | 5,736 |
| Return on Equity (ROE) | 2.0803% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.0803% | 4,885 |
| Net charge-offs to loans | 1.1329% | 1,486 |
| Credit loss provision to net charge-offs | 118.6231% | 2,943 |
| Earnings coverage of net charge-offs (x) | 1.6853% | 3,722 |
| Efficiency ratio | 46.5702% | 7,520 |
| Assets per employee ($millions) | 41.1879% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 6,994 |
| Loan loss allowance to noncurrent loans | 18.7294% | 7,072 |
| Noncurrent assets plus other real estate owned to assets | 2.0628% | 3,429 |
| Noncurrent loans to loans | 4.5389% | 1,641 |
| Net loans and leases to total assets | 41.9473% | 7,132 |
| Net loans and leases to deposits | 49.0235% | 7,180 |
| Net loans and leases to core deposits | 49.2911% | 7,307 |
| Total domestic deposits to total assets | 85.5656% | 3,380 |
| Equity capital to assets | 8.8865% | 5,428 |
| Core capital (leverage) ratio | 9.4696% | 3,817 |
| Tier 1 risk-based capital ratio | 24.7792% | 890 |
| Total risk-based capital ratio | 25.7143% | 896 |
| Memoranda: | ||
| Average total assets | $90,783,169,000 | 21 |
| Average earning assets | $86,427,540,500 | 20 |
| Average equity | $7,985,455,000 | 29 |
| Average total loans | $38,151,506,500 | 27 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6193% | 7,808 |
| Cost of funding earning assets | 2.0596% | 2,685 |
| Net interest margin | 1.5598% | 7,854 |
| Noninterest income to average assets | 0.1379% | 7,058 |
| Noninterest expense to average assets | 0.7374% | 7,970 |
| Loan and lease loss provision to assets | 0.8000% | 2,733 |
| Net operating income to assets | 0.0487% | 5,343 |
| Return on assets (ROA) | -0.5589% | 6,228 |
| Pretax return on assets | -0.8751% | 6,325 |
| Return on Equity (ROE) | -7.6289% | 6,438 |
| Retained earnings to average equity (ytd only) | -7.6289% | 6,302 |
| Net charge-offs to loans | 1.9563% | 1,263 |
| Credit loss provision to net charge-offs | 100.0537% | 5,512 |
| Earnings coverage of net charge-offs (x) | 1.0934% | 5,014 |
| Efficiency ratio | 44.8261% | 7,756 |
| Assets per employee ($millions) | 42.1934% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 7,027 |
| Loan loss allowance to noncurrent loans | 17.6518% | 7,150 |
| Noncurrent assets plus other real estate owned to assets | 2.0827% | 3,297 |
| Noncurrent loans to loans | 4.7336% | 1,472 |
| Net loans and leases to total assets | 41.3910% | 7,282 |
| Net loans and leases to deposits | 49.7753% | 7,273 |
| Net loans and leases to core deposits | 51.7294% | 7,538 |
| Total domestic deposits to total assets | 83.1557% | 4,452 |
| Equity capital to assets | 8.7049% | 5,577 |
| Core capital (leverage) ratio | 9.2364% | 4,072 |
| Tier 1 risk-based capital ratio | 23.5485% | 988 |
| Total risk-based capital ratio | 24.4325% | 1,005 |
| Memoranda: | ||
| Average total assets | $88,792,978,400 | 23 |
| Average earning assets | $83,894,739,400 | 20 |
| Average equity | $6,505,458,800 | 29 |
| Average total loans | $36,288,694,200 | 28 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 7,884 |
| Cost of funding earning assets | 2.1650% | 2,578 |
| Net interest margin | 1.5701% | 7,938 |
| Noninterest income to average assets | 0.1441% | 7,145 |
| Noninterest expense to average assets | 0.7625% | 8,060 |
| Loan and lease loss provision to assets | 0.6630% | 2,756 |
| Net operating income to assets | 0.1443% | 5,336 |
| Return on assets (ROA) | -0.2950% | 6,210 |
| Pretax return on assets | -0.4857% | 6,275 |
| Return on Equity (ROE) | -4.2289% | 6,362 |
| Retained earnings to average equity (ytd only) | -4.2289% | 6,141 |
| Net charge-offs to loans | 2.1083% | 922 |
| Credit loss provision to net charge-offs | 77.3649% | 5,825 |
| Earnings coverage of net charge-offs (x) | 1.0078% | 5,043 |
| Efficiency ratio | 45.9166% | 7,775 |
| Assets per employee ($millions) | 41.4046% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5405% | 7,657 |
| Loan loss allowance to noncurrent loans | 10.1948% | 7,452 |
| Noncurrent assets plus other real estate owned to assets | 2.2635% | 3,026 |
| Noncurrent loans to loans | 5.3015% | 1,203 |
| Net loans and leases to total assets | 40.6055% | 7,431 |
| Net loans and leases to deposits | 48.8809% | 7,463 |
| Net loans and leases to core deposits | 50.6041% | 7,673 |
| Total domestic deposits to total assets | 83.0702% | 4,188 |
| Equity capital to assets | 8.4351% | 6,336 |
| Core capital (leverage) ratio | 9.3295% | 4,141 |
| Tier 1 risk-based capital ratio | 23.2360% | 1,079 |
| Total risk-based capital ratio | 23.7802% | 1,143 |
| Memoranda: | ||
| Average total assets | $88,417,739,750 | 24 |
| Average earning assets | $83,460,596,750 | 21 |
| Average equity | $6,166,819,750 | 31 |
| Average total loans | $35,938,747,250 | 30 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9226% | 7,934 |
| Cost of funding earning assets | 2.2921% | 2,384 |
| Net interest margin | 1.6305% | 7,976 |
| Noninterest income to average assets | 0.1351% | 7,284 |
| Noninterest expense to average assets | 0.8089% | 8,149 |
| Loan and lease loss provision to assets | 0.5746% | 2,715 |
| Net operating income to assets | 0.1988% | 5,266 |
| Return on assets (ROA) | -0.0345% | 5,967 |
| Pretax return on assets | -0.0790% | 5,972 |
| Return on Equity (ROE) | -0.5321% | 6,004 |
| Retained earnings to average equity (ytd only) | -0.5321% | 5,356 |
| Net charge-offs to loans | 0.4968% | 2,841 |
| Credit loss provision to net charge-offs | 285.0044% | 1,643 |
| Earnings coverage of net charge-offs (x) | 4.2661% | 3,157 |
| Efficiency ratio | 47.4909% | 7,779 |
| Assets per employee ($millions) | 40.7851% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 3,928 |
| Loan loss allowance to noncurrent loans | 21.9109% | 7,021 |
| Noncurrent assets plus other real estate owned to assets | 2.5771% | 2,503 |
| Noncurrent loans to loans | 6.2127% | 876 |
| Net loans and leases to total assets | 39.8212% | 7,560 |
| Net loans and leases to deposits | 47.9610% | 7,568 |
| Net loans and leases to core deposits | 49.7697% | 7,764 |
| Total domestic deposits to total assets | 83.0283% | 4,223 |
| Equity capital to assets | 7.9143% | 6,854 |
| Core capital (leverage) ratio | 9.4912% | 3,900 |
| Tier 1 risk-based capital ratio | 22.8290% | 1,159 |
| Total risk-based capital ratio | 24.0796% | 1,123 |
| Memoranda: | ||
| Average total assets | $87,996,199,330 | 23 |
| Average earning assets | $82,781,852,670 | 20 |
| Average equity | $5,700,815,670 | 35 |
| Average total loans | $35,713,723,000 | 31 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 7,939 |
| Cost of funding earning assets | 2.5524% | 1,730 |
| Net interest margin | 1.5619% | 8,044 |
| Noninterest income to average assets | 0.1375% | 7,319 |
| Noninterest expense to average assets | 0.7429% | 8,201 |
| Loan and lease loss provision to assets | 0.7321% | 1,752 |
| Net operating income to assets | 0.0810% | 6,035 |
| Return on assets (ROA) | 0.0500% | 6,279 |
| Pretax return on assets | 0.0762% | 6,218 |
| Return on Equity (ROE) | 0.8725% | 6,165 |
| Retained earnings to average equity (ytd only) | 0.8725% | 5,308 |
| Net charge-offs to loans | 0.3683% | 2,621 |
| Credit loss provision to net charge-offs | 488.4928% | 1,106 |
| Earnings coverage of net charge-offs (x) | 5.7061% | 2,620 |
| Efficiency ratio | 45.4540% | 7,872 |
| Assets per employee ($millions) | 40.1215% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,099 |
| Loan loss allowance to noncurrent loans | 32.2240% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 1.6266% | 3,474 |
| Noncurrent loans to loans | 4.0240% | 1,492 |
| Net loans and leases to total assets | 38.2942% | 7,654 |
| Net loans and leases to deposits | 46.2568% | 7,653 |
| Net loans and leases to core deposits | 48.1144% | 7,833 |
| Total domestic deposits to total assets | 82.7860% | 4,252 |
| Equity capital to assets | 7.8501% | 7,006 |
| Core capital (leverage) ratio | 9.2975% | 4,250 |
| Tier 1 risk-based capital ratio | 23.9991% | 1,081 |
| Total risk-based capital ratio | 25.2491% | 1,054 |
| Memoranda: | ||
| Average total assets | $86,926,791,000 | 23 |
| Average earning assets | $81,287,985,500 | 21 |
| Average equity | $4,984,454,000 | 37 |
| Average total loans | $35,376,508,000 | 32 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3841% | 7,484 |
| Cost of funding earning assets | 3.4233% | 670 |
| Net interest margin | 1.9607% | 8,089 |
| Noninterest income to average assets | 0.1418% | 7,397 |
| Noninterest expense to average assets | 0.6680% | 8,248 |
| Loan and lease loss provision to assets | 3.5075% | 226 |
| Net operating income to assets | -1.3917% | 7,425 |
| Return on assets (ROA) | -1.3840% | 7,365 |
| Pretax return on assets | -2.1817% | 7,500 |
| Return on Equity (ROE) | -28.1618% | 7,927 |
| Retained earnings to average equity (ytd only) | -30.8224% | 7,925 |
| Net charge-offs to loans | 0.2469% | 3,803 |
| Credit loss provision to net charge-offs | 3,728.1779% | 135 |
| Earnings coverage of net charge-offs (x) | 13.9640% | 2,089 |
| Efficiency ratio | 32.8062% | 8,216 |
| Assets per employee ($millions) | 35.4024% | 49 |
| Cash dividends to net income (ytd only)* | -9.4475% | 7,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 6,418 |
| Loan loss allowance to noncurrent loans | 33.1560% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 3,609 |
| Noncurrent loans to loans | 2.8533% | 1,897 |
| Net loans and leases to total assets | 42.3995% | 7,563 |
| Net loans and leases to deposits | 48.6895% | 7,682 |
| Net loans and leases to core deposits | 50.7200% | 7,870 |
| Total domestic deposits to total assets | 87.0813% | 1,897 |
| Equity capital to assets | 3.3865% | 8,270 |
| Core capital (leverage) ratio | 9.5050% | 4,010 |
| Tier 1 risk-based capital ratio | 21.3440% | 1,415 |
| Total risk-based capital ratio | 22.1593% | 1,438 |
| Memoranda: | ||
| Average total assets | $80,305,202,400 | 23 |
| Average earning assets | $75,359,410,600 | 22 |
| Average equity | $3,946,486,600 | 45 |
| Average total loans | $30,594,697,200 | 35 |