Home > JPMorgan Bank and Trust Company > Performance and Condition Ratios
JPMorgan Bank and Trust Company, Performance and Condition Ratios
| 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 | 2.7822% | 6,031 |
| Cost of funding earning assets | 0.5986% | 1,423 |
| Net interest margin | 2.1836% | 6,153 |
| Noninterest income to average assets | 0.0120% | 6,241 |
| Noninterest expense to average assets | 0.2207% | 6,341 |
| Loan and lease loss provision to assets | -0.0820% | 6,069 |
| Net operating income to assets | 1.3017% | 1,320 |
| Return on assets (ROA) | 1.3017% | 1,378 |
| Pretax return on assets | 1.9496% | 658 |
| Return on Equity (ROE) | 8.8128% | 2,645 |
| Retained earnings to average equity (ytd only) | 8.8128% | 983 |
| Net charge-offs to loans | 0.1334% | 1,702 |
| Credit loss provision to net charge-offs | -123.1520% | 4,929 |
| Earnings coverage of net charge-offs (x) | 28.0483% | 1,432 |
| Efficiency ratio | 10.5687% | 6,338 |
| Assets per employee ($millions) | 7,787.3010% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 2,721 |
| Loan loss allowance to noncurrent loans | 24.7572% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 1.9498% | 1,141 |
| Noncurrent loans to loans | 5.6841% | 175 |
| Net loans and leases to total assets | 32.3893% | 5,955 |
| Net loans and leases to deposits | 20,023.4430% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1618% | 6,353 |
| Equity capital to assets | 10.4445% | 3,505 |
| Core capital (leverage) ratio | 13.6117% | 954 |
| Tier 1 risk-based capital ratio | 9.2065% | 6,240 |
| Total risk-based capital ratio | 10.7973% | 6,173 |
| Memoranda: | ||
| Average total assets | $10,768,059,000 | 110 |
| Average earning assets | $10,239,464,000 | 107 |
| Average equity | $1,590,511,330 | 96 |
| Average total loans | $5,374,250,000 | 139 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2338% | 5,590 |
| Cost of funding earning assets | 0.6490% | 1,122 |
| Net interest margin | 2.5847% | 5,938 |
| Noninterest income to average assets | 0.0105% | 6,311 |
| Noninterest expense to average assets | 0.2478% | 6,414 |
| Loan and lease loss provision to assets | -0.0170% | 6,117 |
| Net operating income to assets | 1.5133% | 824 |
| Return on assets (ROA) | 1.5133% | 875 |
| Pretax return on assets | 2.2075% | 379 |
| Return on Equity (ROE) | 8.0505% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.0505% | 1,554 |
| Net charge-offs to loans | 0.2649% | 904 |
| Credit loss provision to net charge-offs | -9.7394% | 4,305 |
| Earnings coverage of net charge-offs (x) | 12.5674% | 1,790 |
| Efficiency ratio | 10.1610% | 6,408 |
| Assets per employee ($millions) | 5,292.7520% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 2,850 |
| Loan loss allowance to noncurrent loans | 24.9419% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 3.0046% | 630 |
| Noncurrent loans to loans | 5.6707% | 203 |
| Net loans and leases to total assets | 50.0436% | 4,846 |
| Net loans and leases to deposits | 21,036.3355% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2379% | 6,425 |
| Equity capital to assets | 15.0040% | 718 |
| Core capital (leverage) ratio | 24.6308% | 95 |
| Tier 1 risk-based capital ratio | 9.5663% | 6,264 |
| Total risk-based capital ratio | 11.2209% | 6,134 |
| Memoranda: | ||
| Average total assets | $8,364,787,500 | 131 |
| Average earning assets | $7,856,871,500 | 123 |
| Average equity | $1,572,424,500 | 97 |
| Average total loans | $5,503,122,000 | 134 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 2,200 |
| Cost of funding earning assets | 0.9148% | 357 |
| Net interest margin | 3.4912% | 3,829 |
| Noninterest income to average assets | 0.0262% | 6,349 |
| Noninterest expense to average assets | 0.2683% | 6,499 |
| Loan and lease loss provision to assets | -0.0635% | 6,075 |
| Net operating income to assets | 1.9388% | 365 |
| Return on assets (ROA) | 1.9388% | 378 |
| Pretax return on assets | 3.0300% | 111 |
| Return on Equity (ROE) | 9.4869% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.4869% | 606 |
| Net charge-offs to loans | -0.0427% | 5,879 |
| Credit loss provision to net charge-offs | 176.2777% | 1,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.2930% | 6,503 |
| Assets per employee ($millions) | 3,072.0355% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 2,852 |
| Loan loss allowance to noncurrent loans | 25.7658% | 5,747 |
| Noncurrent assets plus other real estate owned to assets | 5.2590% | 250 |
| Noncurrent loans to loans | 5.5121% | 237 |
| Net loans and leases to total assets | 90.3778% | 58 |
| Net loans and leases to deposits | 22,059.7251% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.4097% | 6,512 |
| Equity capital to assets | 25.3350% | 96 |
| Core capital (leverage) ratio | 23.8594% | 108 |
| Tier 1 risk-based capital ratio | 10.1319% | 6,221 |
| Total risk-based capital ratio | 11.8721% | 5,994 |
| Memoranda: | ||
| Average total assets | $7,275,569,000 | 140 |
| Average earning assets | $6,686,474,600 | 136 |
| Average equity | $1,486,917,400 | 102 |
| Average total loans | $6,145,096,400 | 117 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 2,279 |
| Cost of funding earning assets | 0.9295% | 345 |
| Net interest margin | 3.4543% | 4,001 |
| Noninterest income to average assets | 0.0290% | 6,427 |
| Noninterest expense to average assets | 0.2624% | 6,580 |
| Loan and lease loss provision to assets | 0.0097% | 4,228 |
| Net operating income to assets | 1.8780% | 438 |
| Return on assets (ROA) | 1.8780% | 452 |
| Pretax return on assets | 2.9291% | 124 |
| Return on Equity (ROE) | 9.6598% | 2,374 |
| Retained earnings to average equity (ytd only) | 9.6598% | 788 |
| Net charge-offs to loans | 0.0117% | 4,331 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 301.8195% | 232 |
| Efficiency ratio | 8.1955% | 6,583 |
| Assets per employee ($millions) | 3,304.3750% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 3,211 |
| Loan loss allowance to noncurrent loans | 24.4000% | 5,857 |
| Noncurrent assets plus other real estate owned to assets | 5.2324% | 309 |
| Noncurrent loans to loans | 5.7098% | 263 |
| Net loans and leases to total assets | 87.8203% | 122 |
| Net loans and leases to deposits | 23,065.8334% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3807% | 6,594 |
| Equity capital to assets | 23.0301% | 131 |
| Core capital (leverage) ratio | 21.8741% | 144 |
| Tier 1 risk-based capital ratio | 9.8465% | 6,376 |
| Total risk-based capital ratio | 11.5799% | 6,224 |
| Memoranda: | ||
| Average total assets | $7,558,443,500 | 135 |
| Average earning assets | $6,941,113,000 | 130 |
| Average equity | $1,469,496,500 | 103 |
| Average total loans | $6,273,152,000 | 116 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 2,406 |
| Cost of funding earning assets | 0.9433% | 326 |
| Net interest margin | 3.4018% | 4,162 |
| Noninterest income to average assets | 0.0336% | 6,482 |
| Noninterest expense to average assets | 0.2580% | 6,644 |
| Loan and lease loss provision to assets | 0.0280% | 3,715 |
| Net operating income to assets | 1.8362% | 458 |
| Return on assets (ROA) | 1.8362% | 472 |
| Pretax return on assets | 2.8639% | 131 |
| Return on Equity (ROE) | 9.9589% | 2,165 |
| Retained earnings to average equity (ytd only) | 9.9589% | 721 |
| Net charge-offs to loans | 0.0345% | 3,520 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 103.2357% | 545 |
| Efficiency ratio | 8.1909% | 6,651 |
| Assets per employee ($millions) | 3,952.6035% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3324% | 3,681 |
| Loan loss allowance to noncurrent loans | 22.3209% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 4.7954% | 386 |
| Noncurrent loans to loans | 5.9693% | 264 |
| Net loans and leases to total assets | 76.8141% | 1,071 |
| Net loans and leases to deposits | 24,143.4138% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3182% | 6,661 |
| Equity capital to assets | 18.8210% | 275 |
| Core capital (leverage) ratio | 18.8111% | 257 |
| Tier 1 risk-based capital ratio | 9.4270% | 6,498 |
| Total risk-based capital ratio | 11.1367% | 6,396 |
| Memoranda: | ||
| Average total assets | $7,875,008,000 | 131 |
| Average earning assets | $7,214,108,670 | 126 |
| Average equity | $1,451,993,670 | 102 |
| Average total loans | $6,402,261,000 | 115 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5334% | 1,700 |
| Cost of funding earning assets | 0.9517% | 338 |
| Net interest margin | 3.5817% | 3,331 |
| Noninterest income to average assets | 0.0490% | 6,484 |
| Noninterest expense to average assets | 0.2214% | 6,724 |
| Loan and lease loss provision to assets | 0.1338% | 1,808 |
| Net operating income to assets | 1.8862% | 405 |
| Return on assets (ROA) | 1.8862% | 426 |
| Pretax return on assets | 2.9418% | 149 |
| Return on Equity (ROE) | 10.3378% | 1,924 |
| Retained earnings to average equity (ytd only) | 10.3378% | 889 |
| Net charge-offs to loans | 0.1612% | 1,754 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 22.9795% | 1,229 |
| Efficiency ratio | 6.7159% | 6,724 |
| Assets per employee ($millions) | 3,941.9425% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2818% | 4,217 |
| Loan loss allowance to noncurrent loans | 21.8649% | 6,044 |
| Noncurrent assets plus other real estate owned to assets | 4.9079% | 423 |
| Noncurrent loans to loans | 5.8622% | 316 |
| Net loans and leases to total assets | 80.1060% | 538 |
| Net loans and leases to deposits | 25,120.1702% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3189% | 6,734 |
| Equity capital to assets | 18.4250% | 298 |
| Core capital (leverage) ratio | 18.4880% | 280 |
| Tier 1 risk-based capital ratio | 29.9156% | 530 |
| Total risk-based capital ratio | 36.3196% | 343 |
| Memoranda: | ||
| Average total assets | $7,859,908,500 | 133 |
| Average earning assets | $7,127,818,500 | 127 |
| Average equity | $1,434,070,500 | 100 |
| Average total loans | $6,526,236,500 | 115 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 2,752 |
| Cost of funding earning assets | 0.9754% | 512 |
| Net interest margin | 3.3800% | 4,363 |
| Noninterest income to average assets | 0.0225% | 6,610 |
| Noninterest expense to average assets | 0.3507% | 6,795 |
| Loan and lease loss provision to assets | -1.1731% | 6,799 |
| Net operating income to assets | 2.4858% | 168 |
| Return on assets (ROA) | 2.4858% | 173 |
| Pretax return on assets | 3.8681% | 73 |
| Return on Equity (ROE) | 16.6726% | 543 |
| Retained earnings to average equity (ytd only) | 5.9123% | 2,024 |
| Net charge-offs to loans | 0.3867% | 1,749 |
| Credit loss provision to net charge-offs | -387.2537% | 6,097 |
| Earnings coverage of net charge-offs (x) | 8.8969% | 2,586 |
| Efficiency ratio | 11.5134% | 6,802 |
| Assets per employee ($millions) | 3,917.9660% | 1 |
| Cash dividends to net income (ytd only)* | 64.5386% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2322% | 4,490 |
| Loan loss allowance to noncurrent loans | 20.5338% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 5.2376% | 436 |
| Noncurrent loans to loans | 6.0006% | 345 |
| Net loans and leases to total assets | 83.8830% | 264 |
| Net loans and leases to deposits | 26,154.9918% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3207% | 6,815 |
| Equity capital to assets | 18.0647% | 316 |
| Core capital (leverage) ratio | 16.7990% | 393 |
| Tier 1 risk-based capital ratio | 28.4077% | 589 |
| Total risk-based capital ratio | 34.6796% | 377 |
| Memoranda: | ||
| Average total assets | $9,349,712,000 | 118 |
| Average earning assets | $8,362,581,000 | 116 |
| Average equity | $1,394,021,000 | 103 |
| Average total loans | $7,324,090,600 | 101 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 3,011 |
| Cost of funding earning assets | 0.9804% | 547 |
| Net interest margin | 3.3149% | 4,584 |
| Noninterest income to average assets | 0.0236% | 6,689 |
| Noninterest expense to average assets | 0.3556% | 6,873 |
| Loan and lease loss provision to assets | -1.5433% | 6,884 |
| Net operating income to assets | 2.6855% | 143 |
| Return on assets (ROA) | 2.6855% | 148 |
| Pretax return on assets | 4.1732% | 73 |
| Return on Equity (ROE) | 18.8130% | 382 |
| Retained earnings to average equity (ytd only) | 6.8112% | 1,966 |
| Net charge-offs to loans | 0.4520% | 1,421 |
| Credit loss provision to net charge-offs | -443.4355% | 6,031 |
| Earnings coverage of net charge-offs (x) | 7.5562% | 2,781 |
| Efficiency ratio | 11.9117% | 6,881 |
| Assets per employee ($millions) | 4,959.1900% | 1 |
| Cash dividends to net income (ytd only)* | 63.7954% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 4,964 |
| Loan loss allowance to noncurrent loans | 20.3119% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 4.1632% | 748 |
| Noncurrent loans to loans | 5.8144% | 450 |
| Net loans and leases to total assets | 69.1770% | 2,106 |
| Net loans and leases to deposits | 27,313.8256% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2533% | 6,892 |
| Equity capital to assets | 14.1561% | 918 |
| Core capital (leverage) ratio | 14.0829% | 855 |
| Tier 1 risk-based capital ratio | 25.6844% | 811 |
| Total risk-based capital ratio | 31.5107% | 504 |
| Memoranda: | ||
| Average total assets | $9,728,157,000 | 110 |
| Average earning assets | $8,692,020,000 | 112 |
| Average equity | $1,388,641,500 | 103 |
| Average total loans | $7,491,360,500 | 97 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 2,611 |
| Cost of funding earning assets | 1.0361% | 454 |
| Net interest margin | 3.3517% | 4,371 |
| Noninterest income to average assets | 0.0156% | 6,755 |
| Noninterest expense to average assets | 0.3600% | 6,926 |
| Loan and lease loss provision to assets | -2.0427% | 6,934 |
| Net operating income to assets | 3.0078% | 112 |
| Return on assets (ROA) | 3.0078% | 116 |
| Pretax return on assets | 4.6681% | 63 |
| Return on Equity (ROE) | 21.0116% | 249 |
| Retained earnings to average equity (ytd only) | 17.3976% | 145 |
| Net charge-offs to loans | 0.5548% | 1,190 |
| Credit loss provision to net charge-offs | -463.7461% | 5,892 |
| Earnings coverage of net charge-offs (x) | 5.9601% | 2,799 |
| Efficiency ratio | 12.0598% | 6,926 |
| Assets per employee ($millions) | 3,327.1240% | 2 |
| Cash dividends to net income (ytd only)* | 17.2001% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,174 |
| Loan loss allowance to noncurrent loans | 22.7104% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 4.5256% | 728 |
| Noncurrent loans to loans | 6.0290% | 466 |
| Net loans and leases to total assets | 72.1706% | 1,551 |
| Net loans and leases to deposits | 28,692.8264% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2515% | 6,943 |
| Equity capital to assets | 14.5618% | 808 |
| Core capital (leverage) ratio | 14.8209% | 642 |
| Tier 1 risk-based capital ratio | 25.7709% | 796 |
| Total risk-based capital ratio | 31.4600% | 504 |
| Memoranda: | ||
| Average total assets | $9,664,749,330 | 111 |
| Average earning assets | $8,563,180,000 | 113 |
| Average equity | $1,383,502,330 | 104 |
| Average total loans | $7,674,069,670 | 96 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 2,146 |
| Cost of funding earning assets | 1.0599% | 451 |
| Net interest margin | 3.4449% | 3,935 |
| Noninterest income to average assets | 0.0183% | 6,814 |
| Noninterest expense to average assets | 0.4063% | 7,001 |
| Loan and lease loss provision to assets | 0.6573% | 365 |
| Net operating income to assets | 1.2959% | 1,288 |
| Return on assets (ROA) | 1.2959% | 1,389 |
| Pretax return on assets | 1.9743% | 620 |
| Return on Equity (ROE) | 9.1356% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.1356% | 1,343 |
| Net charge-offs to loans | 0.7950% | 767 |
| Credit loss provision to net charge-offs | 100.0064% | 1,814 |
| Earnings coverage of net charge-offs (x) | 4.0038% | 2,633 |
| Efficiency ratio | 13.3741% | 7,003 |
| Assets per employee ($millions) | 2,381.1688% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8628% | 764 |
| Loan loss allowance to noncurrent loans | 45.3532% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 5.2189% | 678 |
| Noncurrent loans to loans | 6.3122% | 512 |
| Net loans and leases to total assets | 78.3733% | 575 |
| Net loans and leases to deposits | 29,752.1124% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2634% | 7,021 |
| Equity capital to assets | 14.3198% | 930 |
| Core capital (leverage) ratio | 14.3629% | 701 |
| Tier 1 risk-based capital ratio | 23.9963% | 1,013 |
| Total risk-based capital ratio | 29.6771% | 607 |
| Memoranda: | ||
| Average total assets | $9,506,438,000 | 116 |
| Average earning assets | $8,332,785,500 | 118 |
| Average equity | $1,348,519,500 | 108 |
| Average total loans | $7,859,293,500 | 98 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5280% | 3,288 |
| Cost of funding earning assets | 0.8484% | 2,300 |
| Net interest margin | 3.6796% | 3,743 |
| Noninterest income to average assets | -0.2283% | 6,973 |
| Noninterest expense to average assets | 0.3524% | 7,054 |
| Loan and lease loss provision to assets | 0.5884% | 942 |
| Net operating income to assets | 1.3985% | 1,105 |
| Return on assets (ROA) | 1.3985% | 1,216 |
| Pretax return on assets | 2.1686% | 439 |
| Return on Equity (ROE) | 14.7585% | 856 |
| Retained earnings to average equity (ytd only) | -6.4539% | 6,501 |
| Net charge-offs to loans | 0.8026% | 1,455 |
| Credit loss provision to net charge-offs | 81.4486% | 3,781 |
| Earnings coverage of net charge-offs (x) | 3.8166% | 3,590 |
| Efficiency ratio | 11.3338% | 7,068 |
| Assets per employee ($millions) | 3,162.7337% | 2 |
| Cash dividends to net income (ytd only)* | 143.7298% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7384% | 889 |
| Loan loss allowance to noncurrent loans | 44.7546% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 5.2859% | 716 |
| Noncurrent loans to loans | 6.1188% | 581 |
| Net loans and leases to total assets | 82.3526% | 309 |
| Net loans and leases to deposits | 31,160.4004% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2643% | 7,084 |
| Equity capital to assets | 14.0503% | 1,031 |
| Core capital (leverage) ratio | 9.3202% | 4,379 |
| Tier 1 risk-based capital ratio | 22.8119% | 1,138 |
| Total risk-based capital ratio | 28.3709% | 668 |
| Memoranda: | ||
| Average total assets | $14,925,055,400 | 77 |
| Average earning assets | $13,538,388,600 | 77 |
| Average equity | $1,414,271,000 | 96 |
| Average total loans | $13,432,442,000 | 59 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2375% | 4,684 |
| Cost of funding earning assets | 0.7938% | 2,997 |
| Net interest margin | 3.4437% | 4,864 |
| Noninterest income to average assets | 0.0267% | 6,875 |
| Noninterest expense to average assets | 0.3236% | 7,168 |
| Loan and lease loss provision to assets | 0.7360% | 678 |
| Net operating income to assets | 1.3594% | 1,308 |
| Return on assets (ROA) | 1.3594% | 1,443 |
| Pretax return on assets | 2.1095% | 560 |
| Return on Equity (ROE) | 15.4309% | 830 |
| Retained earnings to average equity (ytd only) | 1.4897% | 5,590 |
| Net charge-offs to loans | 0.8108% | 1,349 |
| Credit loss provision to net charge-offs | 99.9978% | 3,009 |
| Earnings coverage of net charge-offs (x) | 3.8660% | 3,484 |
| Efficiency ratio | 10.2124% | 7,167 |
| Assets per employee ($millions) | 5,085.1633% | 2 |
| Cash dividends to net income (ytd only)* | 90.3462% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7197% | 3,083 |
| Loan loss allowance to noncurrent loans | 48.6886% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 3.2963% | 1,549 |
| Noncurrent loans to loans | 3.5320% | 1,534 |
| Net loans and leases to total assets | 89.9091% | 46 |
| Net loans and leases to deposits | 54,730.7530% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1643% | 7,185 |
| Equity capital to assets | 9.4420% | 5,274 |
| Core capital (leverage) ratio | 9.2244% | 4,715 |
| Tier 1 risk-based capital ratio | 13.8929% | 4,614 |
| Total risk-based capital ratio | 17.5672% | 3,071 |
| Memoranda: | ||
| Average total assets | $16,284,269,000 | 71 |
| Average earning assets | $14,860,073,500 | 71 |
| Average equity | $1,434,558,750 | 97 |
| Average total loans | $14,782,107,250 | 52 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 4,839 |
| Cost of funding earning assets | 0.7825% | 3,338 |
| Net interest margin | 3.4494% | 4,884 |
| Noninterest income to average assets | 0.0259% | 6,931 |
| Noninterest expense to average assets | 0.3186% | 7,231 |
| Loan and lease loss provision to assets | 0.6879% | 809 |
| Net operating income to assets | 1.3969% | 1,201 |
| Return on assets (ROA) | 1.3969% | 1,343 |
| Pretax return on assets | 2.1677% | 516 |
| Return on Equity (ROE) | 16.2126% | 736 |
| Retained earnings to average equity (ytd only) | -4.7283% | 6,603 |
| Net charge-offs to loans | 0.7596% | 1,448 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 4.1514% | 3,164 |
| Efficiency ratio | 10.0375% | 7,229 |
| Assets per employee ($millions) | 5,231.9447% | 2 |
| Cash dividends to net income (ytd only)* | 129.1645% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 3,420 |
| Loan loss allowance to noncurrent loans | 56.1098% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 2.7800% | 1,984 |
| Noncurrent loans to loans | 2.9456% | 2,022 |
| Net loans and leases to total assets | 90.9852% | 32 |
| Net loans and leases to deposits | 57,020.9144% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1596% | 7,250 |
| Equity capital to assets | 8.8592% | 5,852 |
| Core capital (leverage) ratio | 8.6028% | 5,515 |
| Tier 1 risk-based capital ratio | 12.8336% | 5,312 |
| Total risk-based capital ratio | 16.4029% | 3,632 |
| Memoranda: | ||
| Average total assets | $16,627,195,330 | 71 |
| Average earning assets | $15,175,600,330 | 69 |
| Average equity | $1,432,604,000 | 95 |
| Average total loans | $15,057,452,330 | 50 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 5,041 |
| Cost of funding earning assets | 0.7769% | 3,647 |
| Net interest margin | 3.4419% | 4,945 |
| Noninterest income to average assets | 0.0232% | 7,039 |
| Noninterest expense to average assets | 0.3113% | 7,295 |
| Loan and lease loss provision to assets | 0.7309% | 699 |
| Net operating income to assets | 1.3689% | 1,280 |
| Return on assets (ROA) | 1.3689% | 1,433 |
| Pretax return on assets | 2.1244% | 609 |
| Return on Equity (ROE) | 16.0964% | 793 |
| Retained earnings to average equity (ytd only) | 16.0964% | 357 |
| Net charge-offs to loans | 0.8152% | 1,262 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 3.9064% | 2,714 |
| Efficiency ratio | 9.8304% | 7,292 |
| Assets per employee ($millions) | 5,442.1720% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5950% | 3,742 |
| Loan loss allowance to noncurrent loans | 54.4528% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 2.7529% | 2,135 |
| Noncurrent loans to loans | 2.9291% | 2,207 |
| Net loans and leases to total assets | 90.6955% | 30 |
| Net loans and leases to deposits | 59,161.0412% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1533% | 7,312 |
| Equity capital to assets | 9.0827% | 5,383 |
| Core capital (leverage) ratio | 8.7308% | 5,249 |
| Tier 1 risk-based capital ratio | 13.2520% | 5,030 |
| Total risk-based capital ratio | 16.7472% | 3,427 |
| Memoranda: | ||
| Average total assets | $17,092,876,000 | 68 |
| Average earning assets | $15,610,009,500 | 69 |
| Average equity | $1,453,643,000 | 92 |
| Average total loans | $15,325,734,500 | 51 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3442% | 7,079 |
| Cost of funding earning assets | 0.5798% | 6,189 |
| Net interest margin | 2.7644% | 6,864 |
| Noninterest income to average assets | 0.0088% | 6,958 |
| Noninterest expense to average assets | 0.3887% | 7,334 |
| Loan and lease loss provision to assets | 0.8159% | 1,194 |
| Net operating income to assets | 0.8897% | 2,647 |
| Return on assets (ROA) | 0.8897% | 2,777 |
| Pretax return on assets | 1.3718% | 1,872 |
| Return on Equity (ROE) | 13.9012% | 956 |
| Retained earnings to average equity (ytd only) | 0.4110% | 5,641 |
| Net charge-offs to loans | 1.0363% | 1,677 |
| Credit loss provision to net charge-offs | 108.6202% | 3,104 |
| Earnings coverage of net charge-offs (x) | 2.9125% | 3,751 |
| Efficiency ratio | 15.0860% | 7,340 |
| Assets per employee ($millions) | 5,953.0787% | 2 |
| Cash dividends to net income (ytd only)* | 97.0431% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5381% | 3,837 |
| Loan loss allowance to noncurrent loans | 56.2335% | 4,698 |
| Noncurrent assets plus other real estate owned to assets | 2.4421% | 2,494 |
| Noncurrent loans to loans | 2.7351% | 2,381 |
| Net loans and leases to total assets | 86.0286% | 125 |
| Net loans and leases to deposits | 61,458.6703% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1400% | 7,360 |
| Equity capital to assets | 7.9757% | 6,587 |
| Core capital (leverage) ratio | 6.6102% | 6,958 |
| Tier 1 risk-based capital ratio | 11.2690% | 6,308 |
| Total risk-based capital ratio | 14.5049% | 4,849 |
| Memoranda: | ||
| Average total assets | $23,164,223,800 | 55 |
| Average earning assets | $21,515,093,600 | 53 |
| Average equity | $1,482,566,800 | 89 |
| Average total loans | $16,789,888,600 | 47 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2038% | 7,208 |
| Cost of funding earning assets | 0.5418% | 6,543 |
| Net interest margin | 2.6620% | 7,022 |
| Noninterest income to average assets | 0.0090% | 7,078 |
| Noninterest expense to average assets | 0.2570% | 7,427 |
| Loan and lease loss provision to assets | 0.8464% | 1,079 |
| Net operating income to assets | 0.9034% | 2,727 |
| Return on assets (ROA) | 0.9034% | 2,867 |
| Pretax return on assets | 1.3849% | 1,986 |
| Return on Equity (ROE) | 14.7790% | 874 |
| Retained earnings to average equity (ytd only) | 14.7790% | 246 |
| Net charge-offs to loans | 1.0962% | 1,448 |
| Credit loss provision to net charge-offs | 110.6781% | 2,979 |
| Earnings coverage of net charge-offs (x) | 2.9177% | 3,684 |
| Efficiency ratio | 10.3291% | 7,418 |
| Assets per employee ($millions) | 8,195.2997% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 4,169 |
| Loan loss allowance to noncurrent loans | 56.0838% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.7751% | 3,437 |
| Noncurrent loans to loans | 2.6511% | 2,627 |
| Net loans and leases to total assets | 64.6789% | 3,170 |
| Net loans and leases to deposits | 63,610.1004% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1017% | 7,439 |
| Equity capital to assets | 6.4437% | 7,140 |
| Core capital (leverage) ratio | 6.3674% | 7,092 |
| Tier 1 risk-based capital ratio | 11.0589% | 6,509 |
| Total risk-based capital ratio | 14.0593% | 5,227 |
| Memoranda: | ||
| Average total assets | $24,490,470,750 | 54 |
| Average earning assets | $22,810,144,750 | 50 |
| Average equity | $1,497,109,750 | 87 |
| Average total loans | $17,086,347,750 | 46 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3009% | 7,250 |
| Cost of funding earning assets | 0.5479% | 6,673 |
| Net interest margin | 2.7530% | 6,973 |
| Noninterest income to average assets | 0.0081% | 7,170 |
| Noninterest expense to average assets | 0.1993% | 7,506 |
| Loan and lease loss provision to assets | 1.0516% | 801 |
| Net operating income to assets | 0.8467% | 2,873 |
| Return on assets (ROA) | 0.8467% | 2,969 |
| Pretax return on assets | 1.3173% | 2,087 |
| Return on Equity (ROE) | 14.1063% | 958 |
| Retained earnings to average equity (ytd only) | 14.1063% | 306 |
| Net charge-offs to loans | 1.3057% | 1,173 |
| Credit loss provision to net charge-offs | 113.2036% | 2,709 |
| Earnings coverage of net charge-offs (x) | 2.5501% | 3,552 |
| Efficiency ratio | 7.7605% | 7,498 |
| Assets per employee ($millions) | 8,334.2817% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 4,411 |
| Loan loss allowance to noncurrent loans | 50.1418% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 1.9621% | 3,286 |
| Noncurrent loans to loans | 2.8654% | 2,553 |
| Net loans and leases to total assets | 65.8492% | 3,060 |
| Net loans and leases to deposits | 3,234,612.5737% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0020% | 7,520 |
| Equity capital to assets | 6.0867% | 7,231 |
| Core capital (leverage) ratio | 6.0404% | 7,185 |
| Tier 1 risk-based capital ratio | 10.2569% | 6,892 |
| Total risk-based capital ratio | 13.1964% | 5,808 |
| Memoranda: | ||
| Average total assets | $24,458,661,330 | 54 |
| Average earning assets | $22,744,676,330 | 51 |
| Average equity | $1,468,063,670 | 91 |
| Average total loans | $17,401,167,330 | 48 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4520% | 7,233 |
| Cost of funding earning assets | 0.5485% | 6,807 |
| Net interest margin | 2.9036% | 6,756 |
| Noninterest income to average assets | 0.0082% | 7,278 |
| Noninterest expense to average assets | 0.1972% | 7,566 |
| Loan and lease loss provision to assets | 1.3335% | 505 |
| Net operating income to assets | 0.7565% | 3,237 |
| Return on assets (ROA) | 0.7565% | 3,301 |
| Pretax return on assets | 1.1792% | 2,452 |
| Return on Equity (ROE) | 12.6961% | 1,272 |
| Retained earnings to average equity (ytd only) | 12.6961% | 637 |
| Net charge-offs to loans | 1.8172% | 713 |
| Credit loss provision to net charge-offs | 99.9988% | 2,737 |
| Earnings coverage of net charge-offs (x) | 1.8842% | 3,362 |
| Efficiency ratio | 7.2781% | 7,558 |
| Assets per employee ($millions) | 8,657.6693% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 5,158 |
| Loan loss allowance to noncurrent loans | 46.5667% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 1.9212% | 3,408 |
| Noncurrent loans to loans | 2.7800% | 2,722 |
| Net loans and leases to total assets | 66.0518% | 2,995 |
| Net loans and leases to deposits | 3,370,458.7426% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0020% | 7,582 |
| Equity capital to assets | 5.6368% | 7,327 |
| Core capital (leverage) ratio | 5.8879% | 7,269 |
| Tier 1 risk-based capital ratio | 9.4191% | 7,167 |
| Total risk-based capital ratio | 12.2800% | 6,472 |
| Memoranda: | ||
| Average total assets | $24,186,569,500 | 54 |
| Average earning assets | $22,505,812,000 | 51 |
| Average equity | $1,441,172,500 | 92 |
| Average total loans | $17,749,662,000 | 47 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1943% | 6,932 |
| Cost of funding earning assets | 0.4805% | 7,326 |
| Net interest margin | 3.7138% | 4,291 |
| Noninterest income to average assets | 0.0077% | 7,253 |
| Noninterest expense to average assets | 0.1294% | 7,643 |
| Loan and lease loss provision to assets | 1.9010% | 716 |
| Net operating income to assets | 0.9288% | 2,284 |
| Return on assets (ROA) | 0.9288% | 2,410 |
| Pretax return on assets | 1.4481% | 1,516 |
| Return on Equity (ROE) | 8.8456% | 2,366 |
| Retained earnings to average equity (ytd only) | 8.8456% | 745 |
| Net charge-offs to loans | 1.2843% | 1,744 |
| Credit loss provision to net charge-offs | 174.1951% | 1,929 |
| Earnings coverage of net charge-offs (x) | 3.0689% | 3,537 |
| Efficiency ratio | 3.7196% | 7,642 |
| Assets per employee ($millions) | 7,466.7103% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 5,317 |
| Loan loss allowance to noncurrent loans | 42.1293% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 2.4432% | 2,833 |
| Noncurrent loans to loans | 2.9476% | 2,590 |
| Net loans and leases to total assets | 79.8821% | 675 |
| Net loans and leases to deposits | 3,515,459.7250% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0023% | 7,663 |
| Equity capital to assets | 6.3317% | 7,289 |
| Core capital (leverage) ratio | 7.5186% | 6,692 |
| Tier 1 risk-based capital ratio | 10.3743% | 6,780 |
| Total risk-based capital ratio | 11.6292% | 6,759 |
| Memoranda: | ||
| Average total assets | $12,844,503,800 | 87 |
| Average earning assets | $12,003,946,600 | 81 |
| Average equity | $1,348,626,200 | 94 |
| Average total loans | $10,914,324,600 | 71 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 5,217 |
| Cost of funding earning assets | 0.4062% | 7,563 |
| Net interest margin | 4.5036% | 1,249 |
| Noninterest income to average assets | 0.0043% | 7,427 |
| Noninterest expense to average assets | 0.0287% | 7,756 |
| Loan and lease loss provision to assets | 2.5020% | 420 |
| Net operating income to assets | 1.0806% | 1,964 |
| Return on assets (ROA) | 1.0806% | 2,075 |
| Pretax return on assets | 1.6847% | 1,146 |
| Return on Equity (ROE) | 8.4871% | 2,691 |
| Retained earnings to average equity (ytd only) | 8.4871% | 1,242 |
| Net charge-offs to loans | 1.6416% | 1,203 |
| Credit loss provision to net charge-offs | 174.8610% | 2,108 |
| Earnings coverage of net charge-offs (x) | 2.9260% | 3,672 |
| Efficiency ratio | 0.6818% | 7,749 |
| Assets per employee ($millions) | 4,333.5810% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4080% | 1,462 |
| Loan loss allowance to noncurrent loans | 39.8442% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 4.0853% | 1,697 |
| Noncurrent loans to loans | 6.0434% | 1,029 |
| Net loans and leases to total assets | 63.9074% | 4,145 |
| Net loans and leases to deposits | 1,632,307.0727% | 3 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0039% | 7,768 |
| Equity capital to assets | 10.6436% | 3,357 |
| Core capital (leverage) ratio | 11.8793% | 1,727 |
| Tier 1 risk-based capital ratio | 25.5263% | 816 |
| Total risk-based capital ratio | 26.8076% | 795 |
| Memoranda: | ||
| Average total assets | $10,455,597,000 | 104 |
| Average earning assets | $9,776,811,750 | 96 |
| Average equity | $1,331,207,500 | 94 |
| Average total loans | $9,113,233,250 | 82 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 3,297 |
| Cost of funding earning assets | 0.2173% | 7,742 |
| Net interest margin | 5.1167% | 330 |
| Noninterest income to average assets | 0.0128% | 7,486 |
| Noninterest expense to average assets | 0.0219% | 7,826 |
| Loan and lease loss provision to assets | 3.3306% | 275 |
| Net operating income to assets | 0.9824% | 2,257 |
| Return on assets (ROA) | 0.9824% | 2,344 |
| Pretax return on assets | 1.5317% | 1,474 |
| Return on Equity (ROE) | 7.1848% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.1848% | 1,760 |
| Net charge-offs to loans | 1.6319% | 1,162 |
| Credit loss provision to net charge-offs | 210.5394% | 1,848 |
| Earnings coverage of net charge-offs (x) | 3.0736% | 3,464 |
| Efficiency ratio | 0.4484% | 7,816 |
| Assets per employee ($millions) | 3,062.1360% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2981% | 1,584 |
| Loan loss allowance to noncurrent loans | 40.8442% | 5,619 |
| Noncurrent assets plus other real estate owned to assets | 5.5576% | 1,103 |
| Noncurrent loans to loans | 5.6264% | 1,168 |
| Net loans and leases to total assets | 94.8748% | 8 |
| Net loans and leases to deposits | 1,712,295.6778% | 3 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0055% | 7,837 |
| Equity capital to assets | 14.6543% | 961 |
| Core capital (leverage) ratio | 14.3412% | 847 |
| Tier 1 risk-based capital ratio | 28.3427% | 601 |
| Total risk-based capital ratio | 29.6305% | 591 |
| Memoranda: | ||
| Average total assets | $9,607,215,000 | 110 |
| Average earning assets | $9,146,766,330 | 101 |
| Average equity | $1,313,695,000 | 94 |
| Average total loans | $9,313,163,330 | 77 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1888% | 4,086 |
| Cost of funding earning assets | 0.1927% | 7,854 |
| Net interest margin | 4.9961% | 418 |
| Noninterest income to average assets | 0.0026% | 7,649 |
| Noninterest expense to average assets | 0.0194% | 7,932 |
| Loan and lease loss provision to assets | 4.9440% | 163 |
| Net operating income to assets | -0.1275% | 6,456 |
| Return on assets (ROA) | -0.1275% | 6,539 |
| Pretax return on assets | -0.1986% | 6,557 |
| Return on Equity (ROE) | -0.9647% | 6,521 |
| Retained earnings to average equity (ytd only) | -0.9647% | 6,038 |
| Net charge-offs to loans | 1.5709% | 1,105 |
| Credit loss provision to net charge-offs | 324.9297% | 1,219 |
| Earnings coverage of net charge-offs (x) | 3.1188% | 3,014 |
| Efficiency ratio | 0.4070% | 7,922 |
| Assets per employee ($millions) | 3,195.5250% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2029% | 1,746 |
| Loan loss allowance to noncurrent loans | 46.8434% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 4.6393% | 1,439 |
| Noncurrent loans to loans | 4.7026% | 1,572 |
| Net loans and leases to total assets | 94.9354% | 10 |
| Net loans and leases to deposits | 1,788,026.3261% | 3 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0053% | 7,940 |
| Equity capital to assets | 13.5176% | 1,318 |
| Core capital (leverage) ratio | 13.0697% | 1,190 |
| Tier 1 risk-based capital ratio | 26.4255% | 746 |
| Total risk-based capital ratio | 27.7117% | 728 |
| Memoranda: | ||
| Average total assets | $9,817,618,500 | 108 |
| Average earning assets | $9,357,811,000 | 100 |
| Average equity | $1,297,442,500 | 94 |
| Average total loans | $9,509,452,500 | 75 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6789% | 486 |
| Cost of funding earning assets | 0.2963% | 7,905 |
| Net interest margin | 6.3826% | 82 |
| Noninterest income to average assets | 0.0098% | 7,661 |
| Noninterest expense to average assets | 0.0143% | 8,011 |
| Loan and lease loss provision to assets | 2.0355% | 1,054 |
| Net operating income to assets | 2.5322% | 87 |
| Return on assets (ROA) | 2.5322% | 94 |
| Pretax return on assets | 3.9479% | 55 |
| Return on Equity (ROE) | 22.1413% | 159 |
| Retained earnings to average equity (ytd only) | 22.1413% | 29 |
| Net charge-offs to loans | 0.5301% | 3,663 |
| Credit loss provision to net charge-offs | 414.7435% | 762 |
| Earnings coverage of net charge-offs (x) | 12.1913% | 1,531 |
| Efficiency ratio | 0.2390% | 8,000 |
| Assets per employee ($millions) | 3,349.5540% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 5,083 |
| Loan loss allowance to noncurrent loans | 35.5866% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 3.4153% | 1,978 |
| Noncurrent loans to loans | 3.5007% | 2,169 |
| Net loans and leases to total assets | 95.4540% | 4 |
| Net loans and leases to deposits | 1,888,159.6457% | 3 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0051% | 8,018 |
| Equity capital to assets | 12.9272% | 1,535 |
| Core capital (leverage) ratio | 12.3712% | 1,502 |
| Tier 1 risk-based capital ratio | 25.4219% | 803 |
| Total risk-based capital ratio | 26.6858% | 789 |
| Memoranda: | ||
| Average total assets | $7,833,070,800 | 131 |
| Average earning assets | $7,348,723,400 | 124 |
| Average equity | $895,817,800 | 121 |
| Average total loans | $7,252,267,600 | 96 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9870% | 304 |
| Cost of funding earning assets | 0.3192% | 7,996 |
| Net interest margin | 6.6677% | 65 |
| Noninterest income to average assets | 0.0097% | 7,808 |
| Noninterest expense to average assets | 0.0175% | 8,098 |
| Loan and lease loss provision to assets | 2.1044% | 834 |
| Net operating income to assets | 2.6314% | 86 |
| Return on assets (ROA) | 2.6314% | 95 |
| Pretax return on assets | 4.1025% | 50 |
| Return on Equity (ROE) | 24.0925% | 126 |
| Retained earnings to average equity (ytd only) | 24.0925% | 32 |
| Net charge-offs to loans | 0.3996% | 3,667 |
| Credit loss provision to net charge-offs | 577.6029% | 674 |
| Earnings coverage of net charge-offs (x) | 17.0363% | 1,429 |
| Efficiency ratio | 0.2804% | 8,081 |
| Assets per employee ($millions) | 3,598.5707% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 6,599 |
| Loan loss allowance to noncurrent loans | 47.7788% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 1.8515% | 3,583 |
| Noncurrent loans to loans | 1.9656% | 3,682 |
| Net loans and leases to total assets | 92.8212% | 40 |
| Net loans and leases to deposits | 1,972,580.1181% | 4 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0047% | 8,104 |
| Equity capital to assets | 11.5261% | 2,559 |
| Core capital (leverage) ratio | 11.2870% | 2,194 |
| Tier 1 risk-based capital ratio | 22.8560% | 1,127 |
| Total risk-based capital ratio | 24.1121% | 1,094 |
| Memoranda: | ||
| Average total assets | $7,279,173,000 | 138 |
| Average earning assets | $6,784,558,000 | 134 |
| Average equity | $795,020,500 | 133 |
| Average total loans | $6,637,121,750 | 107 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2013% | 1,448 |
| Cost of funding earning assets | 0.3288% | 8,091 |
| Net interest margin | 5.8725% | 120 |
| Noninterest income to average assets | 0.0120% | 7,904 |
| Noninterest expense to average assets | 0.0058% | 8,192 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 3.5125% | 41 |
| Return on assets (ROA) | 3.5125% | 46 |
| Pretax return on assets | 5.4842% | 35 |
| Return on Equity (ROE) | 33.2440% | 50 |
| Retained earnings to average equity (ytd only) | 33.2440% | 31 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.1056% | 8,168 |
| Assets per employee ($millions) | 3,748.9153% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,563 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 6,003 |
| Noncurrent loans to loans | 0.6035% | 6,053 |
| Net loans and leases to total assets | 93.8356% | 26 |
| Net loans and leases to deposits | 2,077,451.3780% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0045% | 8,200 |
| Equity capital to assets | 10.7401% | 3,170 |
| Core capital (leverage) ratio | 10.2878% | 3,010 |
| Tier 1 risk-based capital ratio | 21.7527% | 1,287 |
| Total risk-based capital ratio | 21.7527% | 1,449 |
| Memoranda: | ||
| Average total assets | $6,106,993,330 | 161 |
| Average earning assets | $5,696,752,670 | 155 |
| Average equity | $645,254,000 | 158 |
| Average total loans | $5,477,593,330 | 129 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3484% | 5,664 |
| Cost of funding earning assets | 0.2895% | 8,160 |
| Net interest margin | 5.0589% | 352 |
| Noninterest income to average assets | 0.0200% | 7,977 |
| Noninterest expense to average assets | 0.0114% | 8,246 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.9996% | 65 |
| Return on assets (ROA) | 2.9996% | 79 |
| Pretax return on assets | 4.6764% | 46 |
| Return on Equity (ROE) | 29.1545% | 112 |
| Retained earnings to average equity (ytd only) | 29.1545% | 58 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.2436% | 8,223 |
| Assets per employee ($millions) | 6,973.0090% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,576 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 7,427 |
| Noncurrent loans to loans | 0.0680% | 7,332 |
| Net loans and leases to total assets | 84.3155% | 641 |
| Net loans and leases to deposits | 1,161,922.3320% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0073% | 8,251 |
| Equity capital to assets | 8.9945% | 5,354 |
| Core capital (leverage) ratio | 17.5742% | 597 |
| Tier 1 risk-based capital ratio | 19.4022% | 1,737 |
| Total risk-based capital ratio | 19.4022% | 1,966 |
| Memoranda: | ||
| Average total assets | $3,537,117,000 | 242 |
| Average earning assets | $3,263,637,000 | 234 |
| Average equity | $363,923,500 | 234 |
| Average total loans | $2,939,663,500 | 208 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3029% | 8,292 |
| Cost of funding earning assets | 0.0051% | 8,289 |
| Net interest margin | 0.2978% | 8,281 |
| Noninterest income to average assets | 0.7209% | 2,981 |
| Noninterest expense to average assets | 0.1560% | 8,287 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5540% | 4,509 |
| Return on assets (ROA) | 0.5540% | 4,362 |
| Pretax return on assets | 0.8522% | 3,885 |
| Return on Equity (ROE) | 0.5577% | 6,054 |
| Retained earnings to average equity (ytd only) | 0.5577% | 4,905 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.4750% | 8,268 |
| Assets per employee ($millions) | 101.2250% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.4999% | 8,299 |
| Equity capital to assets | 99.4428% | 1 |
| Core capital (leverage) ratio | 99.3545% | 4 |
| Tier 1 risk-based capital ratio | 513.3932% | 5 |
| Total risk-based capital ratio | 513.3932% | 5 |
| Memoranda: | ||
| Average total assets | $101,265,500 | 5,011 |
| Average earning assets | $97,727,000 | 4,868 |
| Average equity | $100,586,000 | 663 |
| Average total loans | NA | NA |