Home > National Penn Bank > Performance and Condition Ratios
National Penn Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4688% | 4,961 |
| Cost of funding earning assets | 0.3389% | 3,728 |
| Net interest margin | 3.1299% | 4,782 |
| Noninterest income to average assets | 0.9513% | 1,181 |
| Noninterest expense to average assets | 2.2997% | 4,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0842% | 1,971 |
| Return on assets (ROA) | 1.0842% | 2,070 |
| Pretax return on assets | 1.4773% | 1,667 |
| Return on Equity (ROE) | 9.6903% | 2,118 |
| Retained earnings to average equity (ytd only) | -6.3181% | 5,682 |
| Net charge-offs to loans | 0.0950% | 1,564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 24.0291% | 1,344 |
| Efficiency ratio | 60.3291% | 4,703 |
| Assets per employee ($millions) | 6.7416% | 992 |
| Cash dividends to net income (ytd only)* | 165.2004% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 3,223 |
| Loan loss allowance to noncurrent loans | 212.9145% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 3,901 |
| Noncurrent loans to loans | 0.5852% | 3,433 |
| Net loans and leases to total assets | 63.8598% | 3,258 |
| Net loans and leases to deposits | 89.0185% | 1,700 |
| Net loans and leases to core deposits | 89.9029% | 2,384 |
| Total domestic deposits to total assets | 71.7377% | 5,789 |
| Equity capital to assets | 11.1510% | 2,771 |
| Core capital (leverage) ratio | 8.3152% | 5,556 |
| Tier 1 risk-based capital ratio | 10.9357% | 5,535 |
| Total risk-based capital ratio | 12.0345% | 5,520 |
| Memoranda: | ||
| Average total assets | $9,603,018,500 | 118 |
| Average earning assets | $8,669,671,000 | 117 |
| Average equity | $1,074,433,500 | 135 |
| Average total loans | $6,215,286,500 | 127 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5210% | 4,859 |
| Cost of funding earning assets | 0.3109% | 4,130 |
| Net interest margin | 3.2101% | 4,592 |
| Noninterest income to average assets | 0.9910% | 1,201 |
| Noninterest expense to average assets | 2.2280% | 4,984 |
| Loan and lease loss provision to assets | 0.0052% | 4,287 |
| Net operating income to assets | 1.2143% | 1,503 |
| Return on assets (ROA) | 1.2143% | 1,572 |
| Pretax return on assets | 1.6524% | 1,101 |
| Return on Equity (ROE) | 10.4643% | 1,819 |
| Retained earnings to average equity (ytd only) | 1.4634% | 4,890 |
| Net charge-offs to loans | 0.1968% | 1,485 |
| Credit loss provision to net charge-offs | 4.1220% | 3,869 |
| Earnings coverage of net charge-offs (x) | 13.0834% | 2,402 |
| Efficiency ratio | 56.6264% | 5,284 |
| Assets per employee ($millions) | 6.3061% | 1,198 |
| Cash dividends to net income (ytd only)* | 86.0148% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 3,047 |
| Loan loss allowance to noncurrent loans | 230.2237% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.4003% | 3,997 |
| Noncurrent loans to loans | 0.5533% | 3,511 |
| Net loans and leases to total assets | 63.9539% | 3,294 |
| Net loans and leases to deposits | 87.8423% | 1,894 |
| Net loans and leases to core deposits | 88.6932% | 2,532 |
| Total domestic deposits to total assets | 72.8054% | 5,748 |
| Equity capital to assets | 11.2262% | 2,614 |
| Core capital (leverage) ratio | 8.4893% | 5,447 |
| Tier 1 risk-based capital ratio | 11.2376% | 5,405 |
| Total risk-based capital ratio | 12.3650% | 5,365 |
| Memoranda: | ||
| Average total assets | $9,574,224,000 | 115 |
| Average earning assets | $8,633,078,000 | 115 |
| Average equity | $1,111,008,000 | 123 |
| Average total loans | $6,164,021,800 | 122 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5331% | 4,904 |
| Cost of funding earning assets | 0.3082% | 4,243 |
| Net interest margin | 3.2249% | 4,595 |
| Noninterest income to average assets | 0.9944% | 1,200 |
| Noninterest expense to average assets | 2.2478% | 4,914 |
| Loan and lease loss provision to assets | 0.0418% | 3,378 |
| Net operating income to assets | 1.1887% | 1,684 |
| Return on assets (ROA) | 1.1887% | 1,750 |
| Pretax return on assets | 1.6115% | 1,346 |
| Return on Equity (ROE) | 10.1606% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.1606% | 610 |
| Net charge-offs to loans | 0.2281% | 1,148 |
| Credit loss provision to net charge-offs | 28.4981% | 3,290 |
| Earnings coverage of net charge-offs (x) | 11.2764% | 2,505 |
| Efficiency ratio | 56.8938% | 5,238 |
| Assets per employee ($millions) | 6.1802% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 2,865 |
| Loan loss allowance to noncurrent loans | 222.6185% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 4,044 |
| Noncurrent loans to loans | 0.6055% | 3,503 |
| Net loans and leases to total assets | 63.6084% | 3,366 |
| Net loans and leases to deposits | 85.1951% | 2,252 |
| Net loans and leases to core deposits | 86.0608% | 2,849 |
| Total domestic deposits to total assets | 74.6621% | 5,647 |
| Equity capital to assets | 12.0926% | 2,038 |
| Core capital (leverage) ratio | 9.2569% | 4,653 |
| Tier 1 risk-based capital ratio | 12.2289% | 4,938 |
| Total risk-based capital ratio | 13.4248% | 4,879 |
| Memoranda: | ||
| Average total assets | $9,573,027,500 | 117 |
| Average earning assets | $8,628,498,250 | 115 |
| Average equity | $1,119,920,750 | 126 |
| Average total loans | $6,153,727,500 | 124 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5333% | 4,900 |
| Cost of funding earning assets | 0.3063% | 4,329 |
| Net interest margin | 3.2270% | 4,574 |
| Noninterest income to average assets | 0.9828% | 1,216 |
| Noninterest expense to average assets | 2.2508% | 4,971 |
| Loan and lease loss provision to assets | 0.0418% | 3,274 |
| Net operating income to assets | 1.1805% | 1,664 |
| Return on assets (ROA) | 1.1805% | 1,733 |
| Pretax return on assets | 1.5987% | 1,331 |
| Return on Equity (ROE) | 10.2952% | 1,934 |
| Retained earnings to average equity (ytd only) | 10.2952% | 618 |
| Net charge-offs to loans | 0.2556% | 1,016 |
| Credit loss provision to net charge-offs | 25.4485% | 2,970 |
| Earnings coverage of net charge-offs (x) | 9.9794% | 2,404 |
| Efficiency ratio | 57.0867% | 5,328 |
| Assets per employee ($millions) | 6.0919% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 2,873 |
| Loan loss allowance to noncurrent loans | 211.2478% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 4,060 |
| Noncurrent loans to loans | 0.6509% | 3,524 |
| Net loans and leases to total assets | 63.4867% | 3,347 |
| Net loans and leases to deposits | 87.7500% | 1,871 |
| Net loans and leases to core deposits | 88.7014% | 2,484 |
| Total domestic deposits to total assets | 72.3496% | 5,919 |
| Equity capital to assets | 11.7055% | 2,241 |
| Core capital (leverage) ratio | 8.8943% | 5,103 |
| Tier 1 risk-based capital ratio | 11.7858% | 5,288 |
| Total risk-based capital ratio | 13.0088% | 5,214 |
| Memoranda: | ||
| Average total assets | $9,561,209,670 | 120 |
| Average earning assets | $8,617,655,670 | 118 |
| Average equity | $1,096,375,330 | 129 |
| Average total loans | $6,148,794,000 | 122 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 4,767 |
| Cost of funding earning assets | 0.3028% | 4,410 |
| Net interest margin | 3.2719% | 4,340 |
| Noninterest income to average assets | 0.9597% | 1,215 |
| Noninterest expense to average assets | 2.2659% | 4,957 |
| Loan and lease loss provision to assets | 0.0419% | 3,075 |
| Net operating income to assets | 1.1795% | 1,604 |
| Return on assets (ROA) | 1.1795% | 1,703 |
| Pretax return on assets | 1.6022% | 1,265 |
| Return on Equity (ROE) | 10.3946% | 1,834 |
| Retained earnings to average equity (ytd only) | 10.3946% | 830 |
| Net charge-offs to loans | 0.1268% | 1,495 |
| Credit loss provision to net charge-offs | 51.3875% | 2,088 |
| Earnings coverage of net charge-offs (x) | 20.1721% | 1,420 |
| Efficiency ratio | 57.1233% | 5,429 |
| Assets per employee ($millions) | 6.0000% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 2,601 |
| Loan loss allowance to noncurrent loans | 172.9949% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5933% | 3,701 |
| Noncurrent loans to loans | 0.8459% | 3,132 |
| Net loans and leases to total assets | 63.0923% | 3,224 |
| Net loans and leases to deposits | 87.5072% | 1,673 |
| Net loans and leases to core deposits | 88.5200% | 2,274 |
| Total domestic deposits to total assets | 72.0996% | 6,038 |
| Equity capital to assets | 11.5002% | 2,458 |
| Core capital (leverage) ratio | 8.5646% | 5,458 |
| Tier 1 risk-based capital ratio | 11.1565% | 5,733 |
| Total risk-based capital ratio | 12.4068% | 5,649 |
| Memoranda: | ||
| Average total assets | $9,550,525,000 | 120 |
| Average earning assets | $8,611,516,000 | 118 |
| Average equity | $1,083,720,000 | 128 |
| Average total loans | $6,138,950,500 | 121 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6400% | 4,968 |
| Cost of funding earning assets | 0.3449% | 4,310 |
| Net interest margin | 3.2951% | 4,583 |
| Noninterest income to average assets | 1.0594% | 1,082 |
| Noninterest expense to average assets | 2.3966% | 4,850 |
| Loan and lease loss provision to assets | 0.0658% | 3,186 |
| Net operating income to assets | 1.1651% | 1,695 |
| Return on assets (ROA) | 1.1653% | 1,769 |
| Pretax return on assets | 1.5688% | 1,322 |
| Return on Equity (ROE) | 9.5992% | 2,299 |
| Retained earnings to average equity (ytd only) | 0.9301% | 5,363 |
| Net charge-offs to loans | 0.2063% | 2,018 |
| Credit loss provision to net charge-offs | 50.2578% | 3,474 |
| Earnings coverage of net charge-offs (x) | 12.4861% | 2,367 |
| Efficiency ratio | 58.6445% | 5,386 |
| Assets per employee ($millions) | 5.7449% | 1,561 |
| Cash dividends to net income (ytd only)* | 90.3103% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 2,586 |
| Loan loss allowance to noncurrent loans | 171.0236% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 3,784 |
| Noncurrent loans to loans | 0.8626% | 3,160 |
| Net loans and leases to total assets | 63.5774% | 3,281 |
| Net loans and leases to deposits | 88.6924% | 1,652 |
| Net loans and leases to core deposits | 89.7336% | 2,308 |
| Total domestic deposits to total assets | 71.6830% | 6,103 |
| Equity capital to assets | 11.1934% | 2,705 |
| Core capital (leverage) ratio | 8.6105% | 5,434 |
| Tier 1 risk-based capital ratio | 11.1800% | 5,830 |
| Total risk-based capital ratio | 12.4308% | 5,765 |
| Memoranda: | ||
| Average total assets | $8,742,133,800 | 121 |
| Average earning assets | $7,883,617,800 | 119 |
| Average equity | $1,061,240,200 | 127 |
| Average total loans | $5,547,655,200 | 127 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6528% | 4,993 |
| Cost of funding earning assets | 0.3588% | 4,244 |
| Net interest margin | 3.2940% | 4,627 |
| Noninterest income to average assets | 1.0794% | 1,045 |
| Noninterest expense to average assets | 2.4216% | 4,757 |
| Loan and lease loss provision to assets | 0.0351% | 3,701 |
| Net operating income to assets | 1.1854% | 1,734 |
| Return on assets (ROA) | 1.1855% | 1,806 |
| Pretax return on assets | 1.5929% | 1,346 |
| Return on Equity (ROE) | 9.5578% | 2,420 |
| Retained earnings to average equity (ytd only) | 2.3882% | 4,863 |
| Net charge-offs to loans | 0.2394% | 1,610 |
| Credit loss provision to net charge-offs | 23.2277% | 3,545 |
| Earnings coverage of net charge-offs (x) | 10.7676% | 2,506 |
| Efficiency ratio | 59.0101% | 5,312 |
| Assets per employee ($millions) | 5.5567% | 1,677 |
| Cash dividends to net income (ytd only)* | 75.0128% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 2,210 |
| Loan loss allowance to noncurrent loans | 235.0638% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 4,547 |
| Noncurrent loans to loans | 0.6916% | 3,882 |
| Net loans and leases to total assets | 62.5153% | 3,403 |
| Net loans and leases to deposits | 81.7456% | 2,462 |
| Net loans and leases to core deposits | 82.8631% | 3,019 |
| Total domestic deposits to total assets | 76.4754% | 5,755 |
| Equity capital to assets | 11.4914% | 2,498 |
| Core capital (leverage) ratio | 8.8874% | 5,206 |
| Tier 1 risk-based capital ratio | 11.7509% | 5,640 |
| Total risk-based capital ratio | 13.0030% | 5,563 |
| Memoranda: | ||
| Average total assets | $8,546,402,000 | 123 |
| Average earning assets | $7,706,142,750 | 120 |
| Average equity | $1,060,004,750 | 127 |
| Average total loans | $5,397,954,750 | 130 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6523% | 5,001 |
| Cost of funding earning assets | 0.3741% | 4,166 |
| Net interest margin | 3.2782% | 4,672 |
| Noninterest income to average assets | 1.0865% | 1,012 |
| Noninterest expense to average assets | 2.4281% | 4,800 |
| Loan and lease loss provision to assets | 0.0293% | 3,686 |
| Net operating income to assets | 1.1773% | 1,667 |
| Return on assets (ROA) | 1.1774% | 1,735 |
| Pretax return on assets | 1.5815% | 1,305 |
| Return on Equity (ROE) | 9.2640% | 2,473 |
| Retained earnings to average equity (ytd only) | 3.7271% | 3,824 |
| Net charge-offs to loans | 0.2892% | 1,381 |
| Credit loss provision to net charge-offs | 16.1004% | 3,242 |
| Earnings coverage of net charge-offs (x) | 8.8369% | 2,437 |
| Efficiency ratio | 59.3201% | 5,386 |
| Assets per employee ($millions) | 5.4603% | 1,729 |
| Cash dividends to net income (ytd only)* | 59.7681% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6620% | 2,256 |
| Loan loss allowance to noncurrent loans | 238.8685% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 4,642 |
| Noncurrent loans to loans | 0.6958% | 3,976 |
| Net loans and leases to total assets | 61.8560% | 3,428 |
| Net loans and leases to deposits | 86.2245% | 1,799 |
| Net loans and leases to core deposits | 87.4101% | 2,376 |
| Total domestic deposits to total assets | 71.7383% | 6,270 |
| Equity capital to assets | 12.7715% | 1,507 |
| Core capital (leverage) ratio | 10.1746% | 3,382 |
| Tier 1 risk-based capital ratio | 13.4512% | 4,618 |
| Total risk-based capital ratio | 14.7036% | 4,556 |
| Memoranda: | ||
| Average total assets | $8,526,082,330 | 124 |
| Average earning assets | $7,678,641,000 | 121 |
| Average equity | $1,083,638,000 | 122 |
| Average total loans | $5,373,992,330 | 130 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 4,994 |
| Cost of funding earning assets | 0.3824% | 4,168 |
| Net interest margin | 3.2717% | 4,660 |
| Noninterest income to average assets | 1.0331% | 1,053 |
| Noninterest expense to average assets | 2.4416% | 4,809 |
| Loan and lease loss provision to assets | 0.0589% | 2,932 |
| Net operating income to assets | 1.1127% | 1,765 |
| Return on assets (ROA) | 1.1130% | 1,822 |
| Pretax return on assets | 1.4816% | 1,484 |
| Return on Equity (ROE) | 8.7788% | 2,558 |
| Retained earnings to average equity (ytd only) | 8.7788% | 1,320 |
| Net charge-offs to loans | 0.3259% | 1,090 |
| Credit loss provision to net charge-offs | 28.6532% | 2,407 |
| Earnings coverage of net charge-offs (x) | 7.4890% | 2,115 |
| Efficiency ratio | 60.4943% | 5,336 |
| Assets per employee ($millions) | 5.3637% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 2,232 |
| Loan loss allowance to noncurrent loans | 220.5999% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 4,611 |
| Noncurrent loans to loans | 0.7861% | 3,901 |
| Net loans and leases to total assets | 61.9252% | 3,250 |
| Net loans and leases to deposits | 85.5168% | 1,658 |
| Net loans and leases to core deposits | 86.8691% | 2,212 |
| Total domestic deposits to total assets | 72.4129% | 6,341 |
| Equity capital to assets | 12.8459% | 1,385 |
| Core capital (leverage) ratio | 10.1435% | 3,362 |
| Tier 1 risk-based capital ratio | 13.5358% | 4,657 |
| Total risk-based capital ratio | 14.7892% | 4,593 |
| Memoranda: | ||
| Average total assets | $8,491,897,500 | 123 |
| Average earning assets | $7,653,302,500 | 121 |
| Average equity | $1,076,638,500 | 123 |
| Average total loans | $5,357,973,000 | 128 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 4,748 |
| Cost of funding earning assets | 0.4402% | 4,217 |
| Net interest margin | 3.3785% | 4,369 |
| Noninterest income to average assets | 1.1382% | 1,081 |
| Noninterest expense to average assets | 3.3527% | 1,989 |
| Loan and lease loss provision to assets | 0.0628% | 3,877 |
| Net operating income to assets | 0.6488% | 4,036 |
| Return on assets (ROA) | 0.6488% | 4,145 |
| Pretax return on assets | 0.7660% | 4,276 |
| Return on Equity (ROE) | 5.0223% | 4,622 |
| Retained earnings to average equity (ytd only) | -1.9165% | 6,164 |
| Net charge-offs to loans | 0.3761% | 1,789 |
| Credit loss provision to net charge-offs | 26.4644% | 4,324 |
| Earnings coverage of net charge-offs (x) | 3.4907% | 3,837 |
| Efficiency ratio | 79.1030% | 2,302 |
| Assets per employee ($millions) | 5.1810% | 1,976 |
| Cash dividends to net income (ytd only)* | 138.1587% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8052% | 2,055 |
| Loan loss allowance to noncurrent loans | 199.3443% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 4,488 |
| Noncurrent loans to loans | 0.9056% | 3,720 |
| Net loans and leases to total assets | 62.0326% | 3,356 |
| Net loans and leases to deposits | 86.1635% | 1,662 |
| Net loans and leases to core deposits | 87.5755% | 2,283 |
| Total domestic deposits to total assets | 71.9941% | 6,421 |
| Equity capital to assets | 12.5093% | 1,504 |
| Core capital (leverage) ratio | 9.8458% | 3,782 |
| Tier 1 risk-based capital ratio | 13.1481% | 4,887 |
| Total risk-based capital ratio | 14.4023% | 4,827 |
| Memoranda: | ||
| Average total assets | $8,355,343,200 | 125 |
| Average earning assets | $7,526,208,000 | 124 |
| Average equity | $1,079,438,200 | 120 |
| Average total loans | $5,274,572,200 | 126 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8305% | 4,731 |
| Cost of funding earning assets | 0.4559% | 4,206 |
| Net interest margin | 3.3746% | 4,385 |
| Noninterest income to average assets | 1.1597% | 1,088 |
| Noninterest expense to average assets | 3.5623% | 1,474 |
| Loan and lease loss provision to assets | 0.0680% | 3,695 |
| Net operating income to assets | 0.5218% | 4,709 |
| Return on assets (ROA) | 0.5218% | 4,858 |
| Pretax return on assets | 0.5681% | 5,143 |
| Return on Equity (ROE) | 4.0068% | 5,222 |
| Retained earnings to average equity (ytd only) | 0.3326% | 5,833 |
| Net charge-offs to loans | 0.3662% | 1,734 |
| Credit loss provision to net charge-offs | 29.4281% | 3,906 |
| Earnings coverage of net charge-offs (x) | 2.7523% | 3,917 |
| Efficiency ratio | 83.7216% | 1,640 |
| Assets per employee ($millions) | 5.1460% | 1,997 |
| Cash dividends to net income (ytd only)* | 91.6981% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 1,985 |
| Loan loss allowance to noncurrent loans | 212.5488% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 4,716 |
| Noncurrent loans to loans | 0.8974% | 4,028 |
| Net loans and leases to total assets | 61.7024% | 3,419 |
| Net loans and leases to deposits | 79.3533% | 2,501 |
| Net loans and leases to core deposits | 80.6493% | 3,054 |
| Total domestic deposits to total assets | 77.7566% | 5,940 |
| Equity capital to assets | 12.9569% | 1,350 |
| Core capital (leverage) ratio | 10.2637% | 3,298 |
| Tier 1 risk-based capital ratio | 13.7698% | 4,590 |
| Total risk-based capital ratio | 15.0253% | 4,538 |
| Memoranda: | ||
| Average total assets | $8,331,640,500 | 125 |
| Average earning assets | $7,502,191,750 | 124 |
| Average equity | $1,085,034,250 | 118 |
| Average total loans | $5,258,660,500 | 124 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8563% | 4,633 |
| Cost of funding earning assets | 0.4759% | 4,139 |
| Net interest margin | 3.3804% | 4,264 |
| Noninterest income to average assets | 1.1636% | 1,121 |
| Noninterest expense to average assets | 4.0774% | 794 |
| Loan and lease loss provision to assets | 0.0722% | 3,593 |
| Net operating income to assets | 0.1922% | 5,921 |
| Return on assets (ROA) | 0.1922% | 6,042 |
| Pretax return on assets | 0.0576% | 6,296 |
| Return on Equity (ROE) | 1.4731% | 6,102 |
| Retained earnings to average equity (ytd only) | -4.0436% | 6,399 |
| Net charge-offs to loans | 0.3589% | 1,765 |
| Credit loss provision to net charge-offs | 31.8404% | 3,554 |
| Earnings coverage of net charge-offs (x) | 0.5726% | 4,346 |
| Efficiency ratio | 95.6870% | 670 |
| Assets per employee ($millions) | 4.9738% | 2,141 |
| Cash dividends to net income (ytd only)* | 374.4990% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9868% | 1,884 |
| Loan loss allowance to noncurrent loans | 216.0978% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 4,738 |
| Noncurrent loans to loans | 0.9194% | 4,088 |
| Net loans and leases to total assets | 62.2316% | 3,248 |
| Net loans and leases to deposits | 84.1803% | 1,781 |
| Net loans and leases to core deposits | 85.8209% | 2,350 |
| Total domestic deposits to total assets | 73.9266% | 6,450 |
| Equity capital to assets | 12.7939% | 1,422 |
| Core capital (leverage) ratio | 9.9934% | 3,535 |
| Tier 1 risk-based capital ratio | 13.4148% | 4,828 |
| Total risk-based capital ratio | 14.6710% | 4,779 |
| Memoranda: | ||
| Average total assets | $8,309,434,670 | 126 |
| Average earning assets | $7,481,663,330 | 124 |
| Average equity | $1,083,994,000 | 118 |
| Average total loans | $5,250,650,330 | 124 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8612% | 4,612 |
| Cost of funding earning assets | 0.5071% | 4,012 |
| Net interest margin | 3.3541% | 4,296 |
| Noninterest income to average assets | 1.1259% | 1,181 |
| Noninterest expense to average assets | 5.6107% | 252 |
| Loan and lease loss provision to assets | 0.0721% | 3,426 |
| Net operating income to assets | -0.8443% | 6,773 |
| Return on assets (ROA) | -0.8443% | 6,785 |
| Pretax return on assets | -1.5348% | 6,882 |
| Return on Equity (ROE) | -6.4104% | 6,727 |
| Retained earnings to average equity (ytd only) | -17.3236% | 6,798 |
| Net charge-offs to loans | 0.4035% | 1,446 |
| Credit loss provision to net charge-offs | 28.3500% | 2,910 |
| Earnings coverage of net charge-offs (x) | -5.7507% | 4,080 |
| Efficiency ratio | 134.0094% | 131 |
| Assets per employee ($millions) | 5.0054% | 2,204 |
| Cash dividends to net income (ytd only)* | -170.2443% | 6,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0413% | 1,936 |
| Loan loss allowance to noncurrent loans | 219.7379% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.6140% | 4,852 |
| Noncurrent loans to loans | 0.9290% | 4,275 |
| Net loans and leases to total assets | 62.0040% | 3,063 |
| Net loans and leases to deposits | 81.6114% | 1,880 |
| Net loans and leases to core deposits | 86.4697% | 2,062 |
| Total domestic deposits to total assets | 75.9747% | 6,369 |
| Equity capital to assets | 12.8759% | 1,484 |
| Core capital (leverage) ratio | 9.8868% | 3,547 |
| Tier 1 risk-based capital ratio | 13.2830% | 5,026 |
| Total risk-based capital ratio | 14.5400% | 4,972 |
| Memoranda: | ||
| Average total assets | $8,320,947,500 | 128 |
| Average earning assets | $7,497,412,000 | 127 |
| Average equity | $1,095,914,500 | 117 |
| Average total loans | $5,245,327,500 | 127 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 4,689 |
| Cost of funding earning assets | 0.7314% | 3,243 |
| Net interest margin | 3.4392% | 4,746 |
| Noninterest income to average assets | 1.1174% | 1,247 |
| Noninterest expense to average assets | 2.4858% | 5,148 |
| Loan and lease loss provision to assets | 0.0953% | 4,472 |
| Net operating income to assets | 1.2254% | 1,518 |
| Return on assets (ROA) | 1.2254% | 1,687 |
| Pretax return on assets | 1.6379% | 1,289 |
| Return on Equity (ROE) | 8.7809% | 2,746 |
| Retained earnings to average equity (ytd only) | -9.5641% | 6,621 |
| Net charge-offs to loans | 0.4538% | 2,417 |
| Credit loss provision to net charge-offs | 33.7767% | 5,042 |
| Earnings coverage of net charge-offs (x) | 6.1452% | 2,866 |
| Efficiency ratio | 57.4651% | 5,902 |
| Assets per employee ($millions) | 5.0471% | 2,173 |
| Cash dividends to net income (ytd only)* | 208.9187% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1171% | 1,722 |
| Loan loss allowance to noncurrent loans | 233.2310% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 4,972 |
| Noncurrent loans to loans | 0.9077% | 4,368 |
| Net loans and leases to total assets | 61.4517% | 3,344 |
| Net loans and leases to deposits | 86.4104% | 1,460 |
| Net loans and leases to core deposits | 88.3772% | 2,043 |
| Total domestic deposits to total assets | 71.1161% | 6,736 |
| Equity capital to assets | 13.4633% | 1,242 |
| Core capital (leverage) ratio | 10.0153% | 3,378 |
| Tier 1 risk-based capital ratio | 13.8338% | 4,513 |
| Total risk-based capital ratio | 15.0919% | 4,458 |
| Memoranda: | ||
| Average total assets | $8,398,060,400 | 126 |
| Average earning assets | $7,573,486,200 | 124 |
| Average equity | $1,171,937,400 | 116 |
| Average total loans | $5,219,652,200 | 125 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1977% | 4,823 |
| Cost of funding earning assets | 0.7641% | 3,236 |
| Net interest margin | 3.4336% | 4,907 |
| Noninterest income to average assets | 1.0983% | 1,242 |
| Noninterest expense to average assets | 2.4865% | 5,125 |
| Loan and lease loss provision to assets | 0.0951% | 4,390 |
| Net operating income to assets | 1.2114% | 1,695 |
| Return on assets (ROA) | 1.2114% | 1,876 |
| Pretax return on assets | 1.6151% | 1,522 |
| Return on Equity (ROE) | 8.6058% | 2,992 |
| Retained earnings to average equity (ytd only) | -7.1594% | 6,721 |
| Net charge-offs to loans | 0.4883% | 2,153 |
| Credit loss provision to net charge-offs | 31.4169% | 4,778 |
| Earnings coverage of net charge-offs (x) | 5.6489% | 2,965 |
| Efficiency ratio | 57.7689% | 5,819 |
| Assets per employee ($millions) | 5.0560% | 2,112 |
| Cash dividends to net income (ytd only)* | 183.1924% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1599% | 1,785 |
| Loan loss allowance to noncurrent loans | 209.5257% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.7268% | 4,867 |
| Noncurrent loans to loans | 1.0308% | 4,389 |
| Net loans and leases to total assets | 61.2441% | 3,524 |
| Net loans and leases to deposits | 84.4056% | 1,819 |
| Net loans and leases to core deposits | 86.2985% | 2,425 |
| Total domestic deposits to total assets | 72.5593% | 6,711 |
| Equity capital to assets | 14.0115% | 1,151 |
| Core capital (leverage) ratio | 10.6880% | 2,716 |
| Tier 1 risk-based capital ratio | 14.7518% | 4,012 |
| Total risk-based capital ratio | 16.0105% | 3,965 |
| Memoranda: | ||
| Average total assets | $8,410,600,000 | 125 |
| Average earning assets | $7,589,728,500 | 122 |
| Average equity | $1,183,947,000 | 116 |
| Average total loans | $5,214,344,750 | 124 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 4,823 |
| Cost of funding earning assets | 0.8052% | 3,147 |
| Net interest margin | 3.4320% | 4,964 |
| Noninterest income to average assets | 1.0454% | 1,327 |
| Noninterest expense to average assets | 2.4704% | 5,231 |
| Loan and lease loss provision to assets | 0.0951% | 4,359 |
| Net operating income to assets | 1.1881% | 1,756 |
| Return on assets (ROA) | 1.1881% | 1,952 |
| Pretax return on assets | 1.5765% | 1,621 |
| Return on Equity (ROE) | 8.4274% | 3,056 |
| Retained earnings to average equity (ytd only) | -11.8825% | 6,883 |
| Net charge-offs to loans | 0.5381% | 1,981 |
| Credit loss provision to net charge-offs | 28.5919% | 4,460 |
| Earnings coverage of net charge-offs (x) | 5.0271% | 2,927 |
| Efficiency ratio | 58.1025% | 5,856 |
| Assets per employee ($millions) | 4.9468% | 2,243 |
| Cash dividends to net income (ytd only)* | 240.9982% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2386% | 1,692 |
| Loan loss allowance to noncurrent loans | 208.3929% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7520% | 4,916 |
| Noncurrent loans to loans | 1.0742% | 4,374 |
| Net loans and leases to total assets | 60.9344% | 3,635 |
| Net loans and leases to deposits | 85.0629% | 1,715 |
| Net loans and leases to core deposits | 86.9229% | 2,320 |
| Total domestic deposits to total assets | 71.6345% | 6,820 |
| Equity capital to assets | 13.9557% | 1,111 |
| Core capital (leverage) ratio | 10.4202% | 2,899 |
| Tier 1 risk-based capital ratio | 14.7506% | 3,934 |
| Total risk-based capital ratio | 16.0104% | 3,887 |
| Memoranda: | ||
| Average total assets | $8,414,781,330 | 125 |
| Average earning assets | $7,592,313,000 | 123 |
| Average equity | $1,186,365,670 | 115 |
| Average total loans | $5,200,174,670 | 123 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 4,876 |
| Cost of funding earning assets | 0.8261% | 3,267 |
| Net interest margin | 3.4382% | 4,965 |
| Noninterest income to average assets | 1.0712% | 1,258 |
| Noninterest expense to average assets | 2.4665% | 5,263 |
| Loan and lease loss provision to assets | 0.0948% | 4,165 |
| Net operating income to assets | 1.2126% | 1,701 |
| Return on assets (ROA) | 1.2126% | 1,883 |
| Pretax return on assets | 1.6113% | 1,535 |
| Return on Equity (ROE) | 8.5581% | 3,024 |
| Retained earnings to average equity (ytd only) | -24.8811% | 7,099 |
| Net charge-offs to loans | 0.5535% | 1,702 |
| Credit loss provision to net charge-offs | 27.8242% | 3,659 |
| Earnings coverage of net charge-offs (x) | 5.0093% | 2,458 |
| Efficiency ratio | 57.5661% | 5,966 |
| Assets per employee ($millions) | 5.0497% | 2,195 |
| Cash dividends to net income (ytd only)* | 390.7318% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3349% | 1,618 |
| Loan loss allowance to noncurrent loans | 197.6468% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 4,921 |
| Noncurrent loans to loans | 1.1813% | 4,362 |
| Net loans and leases to total assets | 59.8483% | 3,704 |
| Net loans and leases to deposits | 84.1025% | 1,652 |
| Net loans and leases to core deposits | 85.8587% | 2,307 |
| Total domestic deposits to total assets | 71.1611% | 6,927 |
| Equity capital to assets | 13.6571% | 1,170 |
| Core capital (leverage) ratio | 10.3914% | 2,884 |
| Tier 1 risk-based capital ratio | 14.6137% | 4,011 |
| Total risk-based capital ratio | 15.8746% | 3,962 |
| Memoranda: | ||
| Average total assets | $8,442,168,000 | 124 |
| Average earning assets | $7,615,026,000 | 122 |
| Average equity | $1,196,201,000 | 113 |
| Average total loans | $5,194,878,500 | 123 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4764% | 5,160 |
| Cost of funding earning assets | 1.0066% | 3,328 |
| Net interest margin | 3.4698% | 5,252 |
| Noninterest income to average assets | 1.0265% | 1,293 |
| Noninterest expense to average assets | 2.5800% | 5,173 |
| Loan and lease loss provision to assets | 0.1773% | 4,419 |
| Net operating income to assets | 1.0708% | 1,920 |
| Return on assets (ROA) | 1.0949% | 1,969 |
| Pretax return on assets | 1.4251% | 1,697 |
| Return on Equity (ROE) | 8.0040% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.0040% | 1,077 |
| Net charge-offs to loans | 0.7260% | 2,336 |
| Credit loss provision to net charge-offs | 40.1251% | 5,622 |
| Earnings coverage of net charge-offs (x) | 3.5564% | 3,470 |
| Efficiency ratio | 60.3421% | 5,700 |
| Assets per employee ($millions) | 4.9739% | 2,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4410% | 1,394 |
| Loan loss allowance to noncurrent loans | 199.6563% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.8412% | 4,940 |
| Noncurrent loans to loans | 1.2226% | 4,327 |
| Net loans and leases to total assets | 60.2852% | 3,938 |
| Net loans and leases to deposits | 86.0846% | 1,659 |
| Net loans and leases to core deposits | 87.8645% | 2,394 |
| Total domestic deposits to total assets | 70.0302% | 6,989 |
| Equity capital to assets | 14.6873% | 848 |
| Core capital (leverage) ratio | 11.0315% | 2,250 |
| Tier 1 risk-based capital ratio | 15.9123% | 3,085 |
| Total risk-based capital ratio | 17.1746% | 3,044 |
| Memoranda: | ||
| Average total assets | $8,578,146,800 | 122 |
| Average earning assets | $7,724,362,000 | 122 |
| Average equity | $1,173,441,400 | 113 |
| Average total loans | $5,219,322,800 | 120 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 5,243 |
| Cost of funding earning assets | 1.0407% | 3,385 |
| Net interest margin | 3.4630% | 5,345 |
| Noninterest income to average assets | 1.0556% | 1,205 |
| Noninterest expense to average assets | 2.5607% | 5,232 |
| Loan and lease loss provision to assets | 0.2010% | 4,010 |
| Net operating income to assets | 1.0862% | 2,021 |
| Return on assets (ROA) | 1.0984% | 2,122 |
| Pretax return on assets | 1.4285% | 1,853 |
| Return on Equity (ROE) | 8.1763% | 2,976 |
| Retained earnings to average equity (ytd only) | 8.1763% | 1,438 |
| Net charge-offs to loans | 0.8094% | 1,941 |
| Credit loss provision to net charge-offs | 40.9668% | 5,220 |
| Earnings coverage of net charge-offs (x) | 3.2891% | 3,499 |
| Efficiency ratio | 59.5489% | 5,788 |
| Assets per employee ($millions) | 5.0966% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5305% | 1,353 |
| Loan loss allowance to noncurrent loans | 209.0473% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.8169% | 5,136 |
| Noncurrent loans to loans | 1.2105% | 4,523 |
| Net loans and leases to total assets | 58.6449% | 4,386 |
| Net loans and leases to deposits | 83.0276% | 2,168 |
| Net loans and leases to core deposits | 85.8115% | 2,801 |
| Total domestic deposits to total assets | 70.6330% | 7,007 |
| Equity capital to assets | 14.1130% | 1,117 |
| Core capital (leverage) ratio | 10.5925% | 2,768 |
| Tier 1 risk-based capital ratio | 15.4481% | 3,416 |
| Total risk-based capital ratio | 16.7113% | 3,380 |
| Memoranda: | ||
| Average total assets | $8,623,717,750 | 123 |
| Average earning assets | $7,766,537,000 | 120 |
| Average equity | $1,158,521,000 | 115 |
| Average total loans | $5,227,128,250 | 119 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5426% | 5,202 |
| Cost of funding earning assets | 1.0642% | 3,513 |
| Net interest margin | 3.4784% | 5,256 |
| Noninterest income to average assets | 1.0427% | 1,213 |
| Noninterest expense to average assets | 2.5484% | 5,360 |
| Loan and lease loss provision to assets | 0.3010% | 2,998 |
| Net operating income to assets | 1.0291% | 2,110 |
| Return on assets (ROA) | 1.0291% | 2,204 |
| Pretax return on assets | 1.3245% | 2,063 |
| Return on Equity (ROE) | 7.7905% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.7905% | 1,534 |
| Net charge-offs to loans | 0.9523% | 1,641 |
| Credit loss provision to net charge-offs | 52.0125% | 4,533 |
| Earnings coverage of net charge-offs (x) | 2.8092% | 3,443 |
| Efficiency ratio | 59.2559% | 5,988 |
| Assets per employee ($millions) | 5.0580% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6522% | 1,238 |
| Loan loss allowance to noncurrent loans | 198.8374% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 5,075 |
| Noncurrent loans to loans | 1.3339% | 4,422 |
| Net loans and leases to total assets | 58.6242% | 4,524 |
| Net loans and leases to deposits | 83.8286% | 2,133 |
| Net loans and leases to core deposits | 87.0079% | 2,758 |
| Total domestic deposits to total assets | 69.9334% | 7,114 |
| Equity capital to assets | 13.6683% | 1,215 |
| Core capital (leverage) ratio | 10.0994% | 3,149 |
| Tier 1 risk-based capital ratio | 14.9296% | 3,529 |
| Total risk-based capital ratio | 16.1946% | 3,495 |
| Memoranda: | ||
| Average total assets | $8,639,113,330 | 121 |
| Average earning assets | $7,776,592,000 | 120 |
| Average equity | $1,141,178,670 | 115 |
| Average total loans | $5,249,209,670 | 119 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5776% | 5,042 |
| Cost of funding earning assets | 1.0795% | 3,658 |
| Net interest margin | 3.4981% | 5,021 |
| Noninterest income to average assets | 1.0376% | 1,224 |
| Noninterest expense to average assets | 2.6078% | 5,191 |
| Loan and lease loss provision to assets | 0.4619% | 1,908 |
| Net operating income to assets | 0.8937% | 2,596 |
| Return on assets (ROA) | 0.8937% | 2,654 |
| Pretax return on assets | 1.1146% | 2,704 |
| Return on Equity (ROE) | 6.8843% | 3,444 |
| Retained earnings to average equity (ytd only) | 6.8843% | 2,197 |
| Net charge-offs to loans | 1.2858% | 1,077 |
| Credit loss provision to net charge-offs | 58.8651% | 3,562 |
| Earnings coverage of net charge-offs (x) | 2.0090% | 3,302 |
| Efficiency ratio | 60.4614% | 5,907 |
| Assets per employee ($millions) | 5.0765% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7142% | 1,193 |
| Loan loss allowance to noncurrent loans | 181.5620% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 4,894 |
| Noncurrent loans to loans | 1.4949% | 4,229 |
| Net loans and leases to total assets | 59.9657% | 4,271 |
| Net loans and leases to deposits | 84.9858% | 1,878 |
| Net loans and leases to core deposits | 87.6756% | 2,646 |
| Total domestic deposits to total assets | 70.5596% | 7,154 |
| Equity capital to assets | 13.3653% | 1,234 |
| Core capital (leverage) ratio | 9.5214% | 3,773 |
| Tier 1 risk-based capital ratio | 14.1265% | 3,984 |
| Total risk-based capital ratio | 15.3924% | 3,951 |
| Memoranda: | ||
| Average total assets | $8,659,394,000 | 124 |
| Average earning assets | $7,789,689,500 | 123 |
| Average equity | $1,124,129,500 | 116 |
| Average total loans | $5,284,732,000 | 120 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 5,753 |
| Cost of funding earning assets | 1.3106% | 3,813 |
| Net interest margin | 3.4051% | 5,613 |
| Noninterest income to average assets | 1.1450% | 1,128 |
| Noninterest expense to average assets | 2.4820% | 5,856 |
| Loan and lease loss provision to assets | 1.0353% | 1,560 |
| Net operating income to assets | 0.5370% | 3,941 |
| Return on assets (ROA) | 0.5334% | 4,104 |
| Pretax return on assets | 0.6751% | 4,067 |
| Return on Equity (ROE) | 4.3747% | 4,356 |
| Retained earnings to average equity (ytd only) | 4.3747% | 2,785 |
| Net charge-offs to loans | 1.5391% | 1,428 |
| Credit loss provision to net charge-offs | 107.3905% | 4,137 |
| Earnings coverage of net charge-offs (x) | 1.7790% | 4,382 |
| Efficiency ratio | 57.3134% | 6,416 |
| Assets per employee ($millions) | 5.1980% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8042% | 1,049 |
| Loan loss allowance to noncurrent loans | 180.5147% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 1.0174% | 4,968 |
| Noncurrent loans to loans | 1.5535% | 4,171 |
| Net loans and leases to total assets | 58.7451% | 4,911 |
| Net loans and leases to deposits | 83.5276% | 2,525 |
| Net loans and leases to core deposits | 86.1231% | 3,304 |
| Total domestic deposits to total assets | 70.3302% | 7,220 |
| Equity capital to assets | 12.6111% | 1,572 |
| Core capital (leverage) ratio | 8.8936% | 4,709 |
| Tier 1 risk-based capital ratio | 13.3883% | 4,298 |
| Total risk-based capital ratio | 14.6530% | 4,248 |
| Memoranda: | ||
| Average total assets | $8,995,763,200 | 119 |
| Average earning assets | $8,062,569,400 | 120 |
| Average equity | $1,096,731,200 | 115 |
| Average total loans | $5,634,292,200 | 112 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 5,887 |
| Cost of funding earning assets | 1.3523% | 3,884 |
| Net interest margin | 3.3891% | 5,720 |
| Noninterest income to average assets | 1.1512% | 1,057 |
| Noninterest expense to average assets | 2.4464% | 5,903 |
| Loan and lease loss provision to assets | 1.1089% | 1,310 |
| Net operating income to assets | 0.4628% | 4,475 |
| Return on assets (ROA) | 0.4583% | 4,683 |
| Pretax return on assets | 0.6226% | 4,519 |
| Return on Equity (ROE) | 3.7910% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.7910% | 3,795 |
| Net charge-offs to loans | 1.5608% | 1,281 |
| Credit loss provision to net charge-offs | 112.4781% | 3,751 |
| Earnings coverage of net charge-offs (x) | 1.7625% | 4,393 |
| Efficiency ratio | 56.6430% | 6,468 |
| Assets per employee ($millions) | 5.2573% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7370% | 1,051 |
| Loan loss allowance to noncurrent loans | 181.2640% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 1.0027% | 5,084 |
| Noncurrent loans to loans | 1.5100% | 4,371 |
| Net loans and leases to total assets | 59.4448% | 5,013 |
| Net loans and leases to deposits | 83.7558% | 2,746 |
| Net loans and leases to core deposits | 87.2507% | 3,481 |
| Total domestic deposits to total assets | 70.9739% | 7,221 |
| Equity capital to assets | 12.3823% | 1,926 |
| Core capital (leverage) ratio | 8.8926% | 4,859 |
| Tier 1 risk-based capital ratio | 12.9180% | 4,641 |
| Total risk-based capital ratio | 14.1811% | 4,609 |
| Memoranda: | ||
| Average total assets | $9,042,052,250 | 117 |
| Average earning assets | $8,091,451,500 | 119 |
| Average equity | $1,093,134,500 | 114 |
| Average total loans | $5,711,582,250 | 112 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7790% | 5,864 |
| Cost of funding earning assets | 1.3853% | 3,967 |
| Net interest margin | 3.3937% | 5,665 |
| Noninterest income to average assets | 1.1790% | 925 |
| Noninterest expense to average assets | 2.4459% | 5,924 |
| Loan and lease loss provision to assets | 1.2406% | 1,125 |
| Net operating income to assets | 0.3405% | 5,020 |
| Return on assets (ROA) | 0.3346% | 5,207 |
| Pretax return on assets | 0.5184% | 4,850 |
| Return on Equity (ROE) | 2.7904% | 5,328 |
| Retained earnings to average equity (ytd only) | 2.7904% | 4,359 |
| Net charge-offs to loans | 1.6847% | 1,110 |
| Credit loss provision to net charge-offs | 115.3318% | 3,521 |
| Earnings coverage of net charge-offs (x) | 1.6437% | 4,272 |
| Efficiency ratio | 56.2219% | 6,612 |
| Assets per employee ($millions) | 5.1709% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6684% | 1,121 |
| Loan loss allowance to noncurrent loans | 165.3228% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 1.1012% | 4,931 |
| Noncurrent loans to loans | 1.6141% | 4,290 |
| Net loans and leases to total assets | 60.9984% | 4,876 |
| Net loans and leases to deposits | 85.8708% | 2,522 |
| Net loans and leases to core deposits | 89.4789% | 3,345 |
| Total domestic deposits to total assets | 71.0351% | 7,263 |
| Equity capital to assets | 12.2170% | 1,969 |
| Core capital (leverage) ratio | 8.6026% | 5,232 |
| Tier 1 risk-based capital ratio | 12.4329% | 4,920 |
| Total risk-based capital ratio | 13.6986% | 4,886 |
| Memoranda: | ||
| Average total assets | $9,041,881,000 | 119 |
| Average earning assets | $8,086,263,670 | 117 |
| Average equity | $1,084,287,670 | 112 |
| Average total loans | $5,773,244,330 | 110 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7814% | 5,961 |
| Cost of funding earning assets | 1.4292% | 3,994 |
| Net interest margin | 3.3522% | 5,777 |
| Noninterest income to average assets | 1.2672% | 765 |
| Noninterest expense to average assets | 2.4247% | 5,999 |
| Loan and lease loss provision to assets | 1.4162% | 840 |
| Net operating income to assets | 0.4672% | 4,543 |
| Return on assets (ROA) | 0.4396% | 4,794 |
| Pretax return on assets | 0.3958% | 5,305 |
| Return on Equity (ROE) | 3.7002% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.6953% | 3,939 |
| Net charge-offs to loans | 1.6752% | 1,036 |
| Credit loss provision to net charge-offs | 131.1971% | 2,689 |
| Earnings coverage of net charge-offs (x) | 1.7042% | 3,710 |
| Efficiency ratio | 55.7067% | 6,812 |
| Assets per employee ($millions) | 5.2481% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.1305% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6006% | 1,177 |
| Loan loss allowance to noncurrent loans | 134.5148% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 1.2686% | 4,640 |
| Noncurrent loans to loans | 1.9333% | 3,883 |
| Net loans and leases to total assets | 63.0889% | 4,517 |
| Net loans and leases to deposits | 89.3618% | 2,010 |
| Net loans and leases to core deposits | 89.9357% | 3,368 |
| Total domestic deposits to total assets | 70.5994% | 7,373 |
| Equity capital to assets | 12.1058% | 1,984 |
| Core capital (leverage) ratio | 8.1677% | 5,963 |
| Tier 1 risk-based capital ratio | 11.5644% | 5,610 |
| Total risk-based capital ratio | 12.8291% | 5,569 |
| Memoranda: | ||
| Average total assets | $9,066,743,000 | 118 |
| Average earning assets | $8,106,373,000 | 115 |
| Average equity | $1,077,143,500 | 112 |
| Average total loans | $5,842,143,000 | 109 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 6,449 |
| Cost of funding earning assets | 1.9132% | 3,386 |
| Net interest margin | 3.0816% | 6,425 |
| Noninterest income to average assets | 1.0560% | 1,386 |
| Noninterest expense to average assets | 5.0776% | 490 |
| Loan and lease loss provision to assets | 1.5888% | 1,444 |
| Net operating income to assets | -2.4434% | 7,251 |
| Return on assets (ROA) | -3.3781% | 7,480 |
| Pretax return on assets | -3.9951% | 7,521 |
| Return on Equity (ROE) | -26.4143% | 7,324 |
| Retained earnings to average equity (ytd only) | -27.6666% | 7,331 |
| Net charge-offs to loans | 1.4294% | 1,759 |
| Credit loss provision to net charge-offs | 170.5598% | 2,501 |
| Earnings coverage of net charge-offs (x) | -1.4027% | 6,947 |
| Efficiency ratio | 55.4489% | 7,078 |
| Assets per employee ($millions) | 5.3840% | 1,759 |
| Cash dividends to net income (ytd only)* | -4.7409% | 7,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4244% | 1,328 |
| Loan loss allowance to noncurrent loans | 116.1743% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3738% | 4,364 |
| Noncurrent loans to loans | 2.0868% | 3,540 |
| Net loans and leases to total assets | 62.5517% | 4,893 |
| Net loans and leases to deposits | 87.3541% | 2,673 |
| Net loans and leases to core deposits | 102.1407% | 3,790 |
| Total domestic deposits to total assets | 71.6071% | 7,278 |
| Equity capital to assets | 11.6609% | 2,212 |
| Core capital (leverage) ratio | 7.6406% | 6,631 |
| Tier 1 risk-based capital ratio | 11.2086% | 5,711 |
| Total risk-based capital ratio | 12.4714% | 5,649 |
| Memoranda: | ||
| Average total assets | $9,366,230,800 | 111 |
| Average earning assets | $8,251,958,400 | 112 |
| Average equity | $1,197,822,400 | 99 |
| Average total loans | $6,103,945,400 | 109 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0118% | 6,568 |
| Cost of funding earning assets | 2.0016% | 3,348 |
| Net interest margin | 3.0103% | 6,579 |
| Noninterest income to average assets | 1.1026% | 1,303 |
| Noninterest expense to average assets | 2.3220% | 6,644 |
| Loan and lease loss provision to assets | 1.4688% | 1,309 |
| Net operating income to assets | 0.1238% | 5,399 |
| Return on assets (ROA) | -0.8074% | 6,698 |
| Pretax return on assets | -1.5017% | 6,964 |
| Return on Equity (ROE) | -6.1798% | 6,573 |
| Retained earnings to average equity (ytd only) | -7.8068% | 6,581 |
| Net charge-offs to loans | 1.3473% | 1,526 |
| Credit loss provision to net charge-offs | 166.6142% | 2,821 |
| Earnings coverage of net charge-offs (x) | 1.6131% | 4,588 |
| Efficiency ratio | 60.6703% | 6,326 |
| Assets per employee ($millions) | 5.5243% | 1,594 |
| Cash dividends to net income (ytd only)* | -26.3283% | 7,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0229% | 1,743 |
| Loan loss allowance to noncurrent loans | 107.1929% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 1.2004% | 4,671 |
| Noncurrent loans to loans | 1.8872% | 3,791 |
| Net loans and leases to total assets | 62.2328% | 5,198 |
| Net loans and leases to deposits | 89.0075% | 2,778 |
| Net loans and leases to core deposits | 106.2014% | 3,679 |
| Total domestic deposits to total assets | 69.9186% | 7,420 |
| Equity capital to assets | 14.0293% | 1,297 |
| Core capital (leverage) ratio | 8.0247% | 6,314 |
| Tier 1 risk-based capital ratio | 11.0002% | 5,955 |
| Total risk-based capital ratio | 12.2581% | 5,913 |
| Memoranda: | ||
| Average total assets | $9,408,814,000 | 118 |
| Average earning assets | $8,256,059,000 | 117 |
| Average equity | $1,229,198,000 | 101 |
| Average total loans | $6,156,154,000 | 113 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0527% | 6,606 |
| Cost of funding earning assets | 2.1096% | 3,224 |
| Net interest margin | 2.9431% | 6,702 |
| Noninterest income to average assets | 1.0940% | 1,329 |
| Noninterest expense to average assets | 2.4330% | 6,362 |
| Loan and lease loss provision to assets | 1.1251% | 1,524 |
| Net operating income to assets | 0.2423% | 5,119 |
| Return on assets (ROA) | 0.0070% | 5,897 |
| Pretax return on assets | -0.2524% | 6,180 |
| Return on Equity (ROE) | 0.0549% | 5,903 |
| Retained earnings to average equity (ytd only) | -2.4619% | 5,852 |
| Net charge-offs to loans | 1.2394% | 1,488 |
| Credit loss provision to net charge-offs | 137.3643% | 3,398 |
| Earnings coverage of net charge-offs (x) | 1.5144% | 4,399 |
| Efficiency ratio | 64.8495% | 5,751 |
| Assets per employee ($millions) | 5.3697% | 1,698 |
| Cash dividends to net income (ytd only)* | 4,587.1560% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5548% | 2,931 |
| Loan loss allowance to noncurrent loans | 81.8889% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.2340% | 4,476 |
| Noncurrent loans to loans | 1.8987% | 3,670 |
| Net loans and leases to total assets | 63.5959% | 5,064 |
| Net loans and leases to deposits | 90.4293% | 2,761 |
| Net loans and leases to core deposits | 108.5367% | 3,548 |
| Total domestic deposits to total assets | 70.3267% | 7,437 |
| Equity capital to assets | 12.3868% | 1,982 |
| Core capital (leverage) ratio | 7.5890% | 6,916 |
| Tier 1 risk-based capital ratio | 9.7914% | 7,147 |
| Total risk-based capital ratio | 11.0429% | 7,091 |
| Memoranda: | ||
| Average total assets | $9,359,404,670 | 122 |
| Average earning assets | $8,202,348,330 | 121 |
| Average equity | $1,192,002,330 | 109 |
| Average total loans | $6,184,734,670 | 118 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 6,607 |
| Cost of funding earning assets | 2.1923% | 3,202 |
| Net interest margin | 2.9217% | 6,696 |
| Noninterest income to average assets | 1.0600% | 1,322 |
| Noninterest expense to average assets | 2.3523% | 6,363 |
| Loan and lease loss provision to assets | 0.7169% | 1,786 |
| Net operating income to assets | 0.6811% | 3,657 |
| Return on assets (ROA) | 0.2469% | 5,661 |
| Pretax return on assets | 0.1134% | 6,137 |
| Return on Equity (ROE) | 1.9118% | 5,803 |
| Retained earnings to average equity (ytd only) | -3.0964% | 6,300 |
| Net charge-offs to loans | 0.9254% | 1,433 |
| Credit loss provision to net charge-offs | 115.9021% | 3,365 |
| Earnings coverage of net charge-offs (x) | 2.0443% | 3,701 |
| Efficiency ratio | 63.6105% | 5,759 |
| Assets per employee ($millions) | 5.4044% | 1,640 |
| Cash dividends to net income (ytd only)* | 261.9630% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 3,822 |
| Loan loss allowance to noncurrent loans | 141.9318% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 5,576 |
| Noncurrent loans to loans | 0.9481% | 5,103 |
| Net loans and leases to total assets | 65.3165% | 4,744 |
| Net loans and leases to deposits | 94.6580% | 2,156 |
| Net loans and leases to core deposits | 113.0502% | 3,096 |
| Total domestic deposits to total assets | 69.0026% | 7,517 |
| Equity capital to assets | 12.6327% | 1,914 |
| Core capital (leverage) ratio | 7.8980% | 6,624 |
| Tier 1 risk-based capital ratio | 9.5899% | 7,351 |
| Total risk-based capital ratio | 10.7565% | 7,367 |
| Memoranda: | ||
| Average total assets | $9,276,159,500 | 124 |
| Average earning assets | $8,117,372,500 | 125 |
| Average equity | $1,198,028,000 | 109 |
| Average total loans | $6,200,221,000 | 119 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2425% | 4,284 |
| Cost of funding earning assets | 2.7454% | 2,948 |
| Net interest margin | 3.4971% | 5,304 |
| Noninterest income to average assets | 1.1716% | 1,126 |
| Noninterest expense to average assets | 2.4452% | 6,233 |
| Loan and lease loss provision to assets | 0.3672% | 3,483 |
| Net operating income to assets | 1.4946% | 1,027 |
| Return on assets (ROA) | 0.3095% | 5,325 |
| Pretax return on assets | 0.2210% | 5,687 |
| Return on Equity (ROE) | 2.4598% | 5,436 |
| Retained earnings to average equity (ytd only) | -1.0426% | 5,614 |
| Net charge-offs to loans | 0.5058% | 2,332 |
| Credit loss provision to net charge-offs | 108.6016% | 4,953 |
| Earnings coverage of net charge-offs (x) | 5.2447% | 3,718 |
| Efficiency ratio | 56.6440% | 6,921 |
| Assets per employee ($millions) | 5.2915% | 1,645 |
| Cash dividends to net income (ytd only)* | 142.3844% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 3,674 |
| Loan loss allowance to noncurrent loans | 253.8550% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 6,162 |
| Noncurrent loans to loans | 0.5182% | 5,797 |
| Net loans and leases to total assets | 66.6010% | 4,731 |
| Net loans and leases to deposits | 97.9355% | 2,137 |
| Net loans and leases to core deposits | 113.6877% | 3,375 |
| Total domestic deposits to total assets | 68.0049% | 7,470 |
| Equity capital to assets | 13.2044% | 1,707 |
| Core capital (leverage) ratio | 7.8977% | 6,654 |
| Tier 1 risk-based capital ratio | 9.9950% | 6,742 |
| Total risk-based capital ratio | 11.1925% | 6,695 |
| Memoranda: | ||
| Average total assets | $8,396,634,400 | 126 |
| Average earning assets | $7,315,714,200 | 128 |
| Average equity | $1,056,434,800 | 112 |
| Average total loans | $5,612,901,800 | 127 |