Home > RBC Bank (USA) > Performance and Condition Ratios
RBC Bank (USA), Performance and Condition Ratios
| 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 | 3.5393% | 6,974 |
| Cost of funding earning assets | 0.7354% | 5,310 |
| Net interest margin | 2.8039% | 6,820 |
| Noninterest income to average assets | 0.5471% | 3,530 |
| Noninterest expense to average assets | 3.9841% | 1,061 |
| Loan and lease loss provision to assets | 0.9671% | 990 |
| Net operating income to assets | -1.1319% | 6,797 |
| Return on assets (ROA) | -1.6240% | 6,955 |
| Pretax return on assets | -2.7096% | 7,150 |
| Return on Equity (ROE) | -11.7144% | 6,789 |
| Retained earnings to average equity (ytd only) | -11.7144% | 6,756 |
| Net charge-offs to loans | 2.2699% | 556 |
| Credit loss provision to net charge-offs | 65.0360% | 5,029 |
| Earnings coverage of net charge-offs (x) | -0.6547% | 6,135 |
| Efficiency ratio | 94.1398% | 914 |
| Assets per employee ($millions) | 5.7031% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6427% | 490 |
| Loan loss allowance to noncurrent loans | 54.0748% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 5.1806% | 1,012 |
| Noncurrent loans to loans | 6.7365% | 676 |
| Net loans and leases to total assets | 61.3754% | 3,717 |
| Net loans and leases to deposits | 78.4747% | 2,764 |
| Net loans and leases to core deposits | 83.0025% | 3,023 |
| Total domestic deposits to total assets | 76.2416% | 6,447 |
| Equity capital to assets | 13.4676% | 1,285 |
| Core capital (leverage) ratio | 9.7880% | 3,624 |
| Tier 1 risk-based capital ratio | 12.9219% | 5,137 |
| Total risk-based capital ratio | 16.0984% | 3,701 |
| Memoranda: | ||
| Average total assets | $27,462,530,800 | 48 |
| Average earning assets | $24,128,296,400 | 48 |
| Average equity | $3,807,171,200 | 47 |
| Average total loans | $17,990,166,400 | 44 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6031% | 7,015 |
| Cost of funding earning assets | 0.7567% | 5,424 |
| Net interest margin | 2.8464% | 6,834 |
| Noninterest income to average assets | 0.5159% | 3,751 |
| Noninterest expense to average assets | 4.3427% | 682 |
| Loan and lease loss provision to assets | 1.1083% | 739 |
| Net operating income to assets | -1.4700% | 7,033 |
| Return on assets (ROA) | -2.0757% | 7,160 |
| Pretax return on assets | -3.3804% | 7,296 |
| Return on Equity (ROE) | -14.8682% | 7,013 |
| Retained earnings to average equity (ytd only) | -14.8682% | 6,988 |
| Net charge-offs to loans | 2.3527% | 486 |
| Credit loss provision to net charge-offs | 71.4256% | 4,434 |
| Earnings coverage of net charge-offs (x) | -0.8543% | 5,913 |
| Efficiency ratio | 95.0854% | 866 |
| Assets per employee ($millions) | 5.8741% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8566% | 436 |
| Loan loss allowance to noncurrent loans | 55.2211% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 5.3034% | 1,072 |
| Noncurrent loans to loans | 6.9839% | 711 |
| Net loans and leases to total assets | 60.9379% | 3,956 |
| Net loans and leases to deposits | 77.3124% | 3,118 |
| Net loans and leases to core deposits | 82.7911% | 3,215 |
| Total domestic deposits to total assets | 76.1735% | 6,510 |
| Equity capital to assets | 13.2207% | 1,507 |
| Core capital (leverage) ratio | 10.1461% | 3,250 |
| Tier 1 risk-based capital ratio | 12.7956% | 5,252 |
| Total risk-based capital ratio | 15.8837% | 3,858 |
| Memoranda: | ||
| Average total assets | $27,535,789,250 | 48 |
| Average earning assets | $24,195,526,250 | 47 |
| Average equity | $3,844,195,250 | 46 |
| Average total loans | $18,161,257,250 | 43 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6668% | 7,042 |
| Cost of funding earning assets | 0.7697% | 5,563 |
| Net interest margin | 2.8971% | 6,794 |
| Noninterest income to average assets | 0.5873% | 3,211 |
| Noninterest expense to average assets | 4.9468% | 386 |
| Loan and lease loss provision to assets | 1.2858% | 581 |
| Net operating income to assets | -1.8866% | 7,173 |
| Return on assets (ROA) | -2.0056% | 7,192 |
| Pretax return on assets | -3.2913% | 7,337 |
| Return on Equity (ROE) | -14.1122% | 7,039 |
| Retained earnings to average equity (ytd only) | -14.1122% | 7,007 |
| Net charge-offs to loans | 2.3850% | 520 |
| Credit loss provision to net charge-offs | 80.6721% | 3,751 |
| Earnings coverage of net charge-offs (x) | -1.1417% | 5,653 |
| Efficiency ratio | 89.8634% | 1,248 |
| Assets per employee ($millions) | 5.6763% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0583% | 401 |
| Loan loss allowance to noncurrent loans | 55.0120% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 5.7636% | 998 |
| Noncurrent loans to loans | 7.3771% | 664 |
| Net loans and leases to total assets | 63.3302% | 3,617 |
| Net loans and leases to deposits | 81.2100% | 2,577 |
| Net loans and leases to core deposits | 88.1807% | 2,622 |
| Total domestic deposits to total assets | 74.6934% | 6,765 |
| Equity capital to assets | 13.8048% | 1,162 |
| Core capital (leverage) ratio | 11.0216% | 2,227 |
| Tier 1 risk-based capital ratio | 12.9740% | 4,935 |
| Total risk-based capital ratio | 15.9359% | 3,648 |
| Memoranda: | ||
| Average total assets | $27,419,523,670 | 50 |
| Average earning assets | $24,038,510,330 | 50 |
| Average equity | $3,896,745,670 | 48 |
| Average total loans | $18,323,715,330 | 45 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 7,052 |
| Cost of funding earning assets | 0.7736% | 5,724 |
| Net interest margin | 2.9454% | 6,683 |
| Noninterest income to average assets | 0.7687% | 2,164 |
| Noninterest expense to average assets | 3.1998% | 2,900 |
| Loan and lease loss provision to assets | 1.5708% | 393 |
| Net operating income to assets | -0.8376% | 6,976 |
| Return on assets (ROA) | -0.8593% | 6,991 |
| Pretax return on assets | -1.4647% | 7,148 |
| Return on Equity (ROE) | -5.9617% | 6,863 |
| Retained earnings to average equity (ytd only) | -5.9617% | 6,592 |
| Net charge-offs to loans | 2.8332% | 388 |
| Credit loss provision to net charge-offs | 82.4665% | 3,110 |
| Earnings coverage of net charge-offs (x) | 0.0735% | 4,538 |
| Efficiency ratio | 90.3491% | 1,307 |
| Assets per employee ($millions) | 5.7487% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1007% | 393 |
| Loan loss allowance to noncurrent loans | 53.7670% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 5.9042% | 994 |
| Noncurrent loans to loans | 7.6267% | 678 |
| Net loans and leases to total assets | 64.0906% | 3,426 |
| Net loans and leases to deposits | 81.7703% | 2,402 |
| Net loans and leases to core deposits | 91.5890% | 2,168 |
| Total domestic deposits to total assets | 73.1653% | 6,982 |
| Equity capital to assets | 14.4089% | 906 |
| Core capital (leverage) ratio | 11.1587% | 2,066 |
| Tier 1 risk-based capital ratio | 12.6662% | 5,101 |
| Total risk-based capital ratio | 15.8318% | 3,645 |
| Memoranda: | ||
| Average total assets | $27,486,292,500 | 50 |
| Average earning assets | $23,993,745,500 | 50 |
| Average equity | $3,961,724,500 | 47 |
| Average total loans | $18,479,962,000 | 45 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 7,127 |
| Cost of funding earning assets | 0.9324% | 6,022 |
| Net interest margin | 3.0772% | 6,582 |
| Noninterest income to average assets | 0.6826% | 2,953 |
| Noninterest expense to average assets | 3.6718% | 1,772 |
| Loan and lease loss provision to assets | 1.8959% | 717 |
| Net operating income to assets | -1.3292% | 6,842 |
| Return on assets (ROA) | -1.4578% | 6,916 |
| Pretax return on assets | -2.4238% | 7,140 |
| Return on Equity (ROE) | -9.9483% | 6,725 |
| Retained earnings to average equity (ytd only) | -9.9483% | 6,660 |
| Net charge-offs to loans | 2.5684% | 726 |
| Credit loss provision to net charge-offs | 103.6428% | 4,340 |
| Earnings coverage of net charge-offs (x) | -0.1787% | 6,277 |
| Efficiency ratio | 88.7798% | 1,413 |
| Assets per employee ($millions) | 5.8382% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1425% | 355 |
| Loan loss allowance to noncurrent loans | 53.8938% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 6.0163% | 988 |
| Noncurrent loans to loans | 7.6865% | 691 |
| Net loans and leases to total assets | 64.8307% | 3,704 |
| Net loans and leases to deposits | 82.7274% | 2,678 |
| Net loans and leases to core deposits | 98.6193% | 1,739 |
| Total domestic deposits to total assets | 69.0134% | 7,285 |
| Equity capital to assets | 14.4179% | 925 |
| Core capital (leverage) ratio | 11.0715% | 2,108 |
| Tier 1 risk-based capital ratio | 12.2902% | 5,222 |
| Total risk-based capital ratio | 15.4415% | 3,699 |
| Memoranda: | ||
| Average total assets | $26,931,449,600 | 50 |
| Average earning assets | $23,299,142,200 | 50 |
| Average equity | $3,946,450,400 | 45 |
| Average total loans | $19,181,495,400 | 41 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 7,241 |
| Cost of funding earning assets | 0.9658% | 6,099 |
| Net interest margin | 3.0903% | 6,634 |
| Noninterest income to average assets | 0.7666% | 2,410 |
| Noninterest expense to average assets | 3.0845% | 3,401 |
| Loan and lease loss provision to assets | 2.0568% | 574 |
| Net operating income to assets | -0.9017% | 6,841 |
| Return on assets (ROA) | -0.9740% | 6,928 |
| Pretax return on assets | -1.8193% | 7,143 |
| Return on Equity (ROE) | -6.6194% | 6,766 |
| Retained earnings to average equity (ytd only) | -6.6194% | 6,686 |
| Net charge-offs to loans | 2.5221% | 668 |
| Credit loss provision to net charge-offs | 113.0324% | 3,719 |
| Earnings coverage of net charge-offs (x) | 0.1926% | 5,823 |
| Efficiency ratio | 85.8325% | 1,651 |
| Assets per employee ($millions) | 5.8544% | 1,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2505% | 299 |
| Loan loss allowance to noncurrent loans | 55.9412% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 6.2398% | 933 |
| Noncurrent loans to loans | 7.5981% | 707 |
| Net loans and leases to total assets | 66.7069% | 3,525 |
| Net loans and leases to deposits | 88.1953% | 1,982 |
| Net loans and leases to core deposits | 102.0799% | 1,646 |
| Total domestic deposits to total assets | 68.6762% | 7,347 |
| Equity capital to assets | 15.1840% | 849 |
| Core capital (leverage) ratio | 11.8448% | 1,741 |
| Tier 1 risk-based capital ratio | 12.6404% | 4,862 |
| Total risk-based capital ratio | 15.7805% | 3,463 |
| Memoranda: | ||
| Average total assets | $26,765,050,500 | 50 |
| Average earning assets | $23,111,316,750 | 49 |
| Average equity | $3,938,332,000 | 45 |
| Average total loans | $19,310,734,250 | 42 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 7,287 |
| Cost of funding earning assets | 0.9882% | 6,204 |
| Net interest margin | 3.1112% | 6,578 |
| Noninterest income to average assets | 0.8362% | 1,937 |
| Noninterest expense to average assets | 3.1001% | 3,321 |
| Loan and lease loss provision to assets | 2.1086% | 583 |
| Net operating income to assets | -0.9068% | 6,906 |
| Return on assets (ROA) | -0.9169% | 6,926 |
| Pretax return on assets | -1.7035% | 7,148 |
| Return on Equity (ROE) | -6.2993% | 6,786 |
| Retained earnings to average equity (ytd only) | -6.2993% | 6,677 |
| Net charge-offs to loans | 2.3243% | 758 |
| Credit loss provision to net charge-offs | 124.2896% | 3,255 |
| Earnings coverage of net charge-offs (x) | 0.2480% | 5,480 |
| Efficiency ratio | 84.1642% | 1,904 |
| Assets per employee ($millions) | 5.6255% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2451% | 304 |
| Loan loss allowance to noncurrent loans | 61.4519% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 5.9199% | 1,004 |
| Noncurrent loans to loans | 6.9079% | 832 |
| Net loans and leases to total assets | 69.3233% | 3,056 |
| Net loans and leases to deposits | 89.8905% | 1,873 |
| Net loans and leases to core deposits | 101.8750% | 1,839 |
| Total domestic deposits to total assets | 71.6500% | 7,214 |
| Equity capital to assets | 15.7689% | 711 |
| Core capital (leverage) ratio | 12.5786% | 1,375 |
| Tier 1 risk-based capital ratio | 13.1140% | 4,352 |
| Total risk-based capital ratio | 16.2397% | 3,127 |
| Memoranda: | ||
| Average total assets | $26,649,468,330 | 49 |
| Average earning assets | $22,996,395,670 | 50 |
| Average equity | $3,878,887,000 | 44 |
| Average total loans | $19,451,555,330 | 42 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1098% | 7,370 |
| Cost of funding earning assets | 1.0154% | 6,299 |
| Net interest margin | 3.0944% | 6,604 |
| Noninterest income to average assets | 0.8045% | 2,000 |
| Noninterest expense to average assets | 2.9959% | 3,692 |
| Loan and lease loss provision to assets | 2.4536% | 433 |
| Net operating income to assets | -1.0390% | 7,129 |
| Return on assets (ROA) | -1.0205% | 7,135 |
| Pretax return on assets | -1.9442% | 7,397 |
| Return on Equity (ROE) | -7.3109% | 7,016 |
| Retained earnings to average equity (ytd only) | -7.3109% | 6,769 |
| Net charge-offs to loans | 2.4264% | 685 |
| Credit loss provision to net charge-offs | 137.9897% | 2,564 |
| Earnings coverage of net charge-offs (x) | 0.2702% | 4,803 |
| Efficiency ratio | 82.2648% | 2,244 |
| Assets per employee ($millions) | 5.4714% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1415% | 330 |
| Loan loss allowance to noncurrent loans | 60.6220% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 5.8928% | 1,031 |
| Noncurrent loans to loans | 6.8316% | 885 |
| Net loans and leases to total assets | 70.9472% | 2,711 |
| Net loans and leases to deposits | 92.0428% | 1,607 |
| Net loans and leases to core deposits | 103.9564% | 1,745 |
| Total domestic deposits to total assets | 72.5949% | 7,207 |
| Equity capital to assets | 15.9679% | 674 |
| Core capital (leverage) ratio | 12.8051% | 1,288 |
| Tier 1 risk-based capital ratio | 13.2402% | 4,177 |
| Total risk-based capital ratio | 16.5841% | 2,902 |
| Memoranda: | ||
| Average total assets | $26,793,693,000 | 47 |
| Average earning assets | $23,135,692,000 | 49 |
| Average equity | $3,739,903,500 | 45 |
| Average total loans | $19,635,095,500 | 41 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 7,398 |
| Cost of funding earning assets | 1.5350% | 5,357 |
| Net interest margin | 2.9470% | 6,762 |
| Noninterest income to average assets | 0.7549% | 2,647 |
| Noninterest expense to average assets | 4.4859% | 807 |
| Loan and lease loss provision to assets | 2.8406% | 639 |
| Net operating income to assets | -2.9385% | 7,380 |
| Return on assets (ROA) | -2.9181% | 7,389 |
| Pretax return on assets | -3.9746% | 7,518 |
| Return on Equity (ROE) | -25.4577% | 7,299 |
| Retained earnings to average equity (ytd only) | -25.4577% | 7,277 |
| Net charge-offs to loans | 2.2537% | 1,044 |
| Credit loss provision to net charge-offs | 176.4819% | 2,373 |
| Earnings coverage of net charge-offs (x) | -0.7219% | 6,817 |
| Efficiency ratio | 88.9737% | 1,800 |
| Assets per employee ($millions) | 5.7055% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7872% | 411 |
| Loan loss allowance to noncurrent loans | 62.4454% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 5.0911% | 1,195 |
| Noncurrent loans to loans | 6.0649% | 1,033 |
| Net loans and leases to total assets | 69.8395% | 3,292 |
| Net loans and leases to deposits | 90.1933% | 2,189 |
| Net loans and leases to core deposits | 120.9180% | 1,886 |
| Total domestic deposits to total assets | 69.4308% | 7,467 |
| Equity capital to assets | 12.0477% | 2,007 |
| Core capital (leverage) ratio | 8.8902% | 4,606 |
| Tier 1 risk-based capital ratio | 9.7718% | 7,043 |
| Total risk-based capital ratio | 13.0683% | 5,065 |
| Memoranda: | ||
| Average total assets | $29,295,740,600 | 48 |
| Average earning assets | $25,538,861,200 | 49 |
| Average equity | $3,357,982,200 | 49 |
| Average total loans | $20,922,834,400 | 42 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 7,480 |
| Cost of funding earning assets | 1.6356% | 5,231 |
| Net interest margin | 2.8913% | 6,878 |
| Noninterest income to average assets | 0.7841% | 2,516 |
| Noninterest expense to average assets | 4.6749% | 624 |
| Loan and lease loss provision to assets | 3.1187% | 460 |
| Net operating income to assets | -3.4607% | 7,682 |
| Return on assets (ROA) | -3.5134% | 7,693 |
| Pretax return on assets | -4.5526% | 7,760 |
| Return on Equity (ROE) | -31.0171% | 7,631 |
| Retained earnings to average equity (ytd only) | -31.0171% | 7,614 |
| Net charge-offs to loans | 2.3469% | 792 |
| Credit loss provision to net charge-offs | 186.7679% | 2,439 |
| Earnings coverage of net charge-offs (x) | -0.8178% | 6,594 |
| Efficiency ratio | 81.8907% | 2,591 |
| Assets per employee ($millions) | 5.8350% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5296% | 407 |
| Loan loss allowance to noncurrent loans | 63.3609% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 4.4891% | 1,367 |
| Noncurrent loans to loans | 5.5706% | 1,121 |
| Net loans and leases to total assets | 67.9071% | 3,983 |
| Net loans and leases to deposits | 95.2655% | 1,673 |
| Net loans and leases to core deposits | 131.3288% | 1,355 |
| Total domestic deposits to total assets | 63.5330% | 7,787 |
| Equity capital to assets | 11.7902% | 2,361 |
| Core capital (leverage) ratio | 8.8748% | 4,854 |
| Tier 1 risk-based capital ratio | 9.7667% | 7,167 |
| Total risk-based capital ratio | 13.0087% | 5,136 |
| Memoranda: | ||
| Average total assets | $29,751,632,750 | 50 |
| Average earning assets | $25,984,459,500 | 53 |
| Average equity | $3,370,036,750 | 51 |
| Average total loans | $21,168,123,250 | 45 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 7,481 |
| Cost of funding earning assets | 1.7676% | 4,917 |
| Net interest margin | 2.8674% | 6,871 |
| Noninterest income to average assets | 0.7912% | 2,458 |
| Noninterest expense to average assets | 2.8976% | 4,508 |
| Loan and lease loss provision to assets | 3.2533% | 450 |
| Net operating income to assets | -1.7781% | 7,356 |
| Return on assets (ROA) | -1.8010% | 7,360 |
| Pretax return on assets | -2.8997% | 7,547 |
| Return on Equity (ROE) | -16.1109% | 7,386 |
| Retained earnings to average equity (ytd only) | -16.1109% | 7,304 |
| Net charge-offs to loans | 2.3778% | 749 |
| Credit loss provision to net charge-offs | 191.6440% | 2,384 |
| Earnings coverage of net charge-offs (x) | 0.2294% | 5,443 |
| Efficiency ratio | 84.3289% | 2,441 |
| Assets per employee ($millions) | 5.8361% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0232% | 561 |
| Loan loss allowance to noncurrent loans | 57.2113% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 4.0499% | 1,448 |
| Noncurrent loans to loans | 5.2844% | 1,125 |
| Net loans and leases to total assets | 68.5667% | 4,057 |
| Net loans and leases to deposits | 100.6514% | 1,221 |
| Net loans and leases to core deposits | 136.9299% | 1,165 |
| Total domestic deposits to total assets | 62.0239% | 7,891 |
| Equity capital to assets | 12.6822% | 1,845 |
| Core capital (leverage) ratio | 9.0329% | 4,575 |
| Tier 1 risk-based capital ratio | 9.8578% | 7,077 |
| Total risk-based capital ratio | 13.0768% | 4,993 |
| Memoranda: | ||
| Average total assets | $30,037,262,330 | 53 |
| Average earning assets | $26,145,247,330 | 55 |
| Average equity | $3,357,795,330 | 53 |
| Average total loans | $21,444,340,670 | 46 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 7,541 |
| Cost of funding earning assets | 1.9530% | 4,367 |
| Net interest margin | 2.7211% | 7,156 |
| Noninterest income to average assets | 0.7911% | 2,373 |
| Noninterest expense to average assets | 2.6836% | 5,083 |
| Loan and lease loss provision to assets | 3.7982% | 255 |
| Net operating income to assets | -2.1125% | 7,687 |
| Return on assets (ROA) | -2.1299% | 7,693 |
| Pretax return on assets | -3.3487% | 7,817 |
| Return on Equity (ROE) | -20.4126% | 7,762 |
| Retained earnings to average equity (ytd only) | -20.4126% | 7,657 |
| Net charge-offs to loans | 2.6263% | 512 |
| Credit loss provision to net charge-offs | 201.6109% | 2,202 |
| Earnings coverage of net charge-offs (x) | 0.2530% | 4,771 |
| Efficiency ratio | 80.9540% | 2,681 |
| Assets per employee ($millions) | 5.4823% | 1,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5402% | 732 |
| Loan loss allowance to noncurrent loans | 55.2251% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 3.5485% | 1,508 |
| Noncurrent loans to loans | 4.5998% | 1,233 |
| Net loans and leases to total assets | 70.5673% | 3,558 |
| Net loans and leases to deposits | 98.7757% | 1,560 |
| Net loans and leases to core deposits | 139.5331% | 1,124 |
| Total domestic deposits to total assets | 65.1996% | 7,778 |
| Equity capital to assets | 11.5943% | 2,530 |
| Core capital (leverage) ratio | 8.1187% | 6,259 |
| Tier 1 risk-based capital ratio | 9.2984% | 7,590 |
| Total risk-based capital ratio | 12.5732% | 5,485 |
| Memoranda: | ||
| Average total assets | $30,130,103,500 | 55 |
| Average earning assets | $26,232,111,000 | 55 |
| Average equity | $3,143,778,000 | 52 |
| Average total loans | $21,613,344,000 | 47 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4189% | 7,439 |
| Cost of funding earning assets | 2.4318% | 4,562 |
| Net interest margin | 2.9871% | 6,947 |
| Noninterest income to average assets | 0.7166% | 3,011 |
| Noninterest expense to average assets | 5.4890% | 504 |
| Loan and lease loss provision to assets | 1.1916% | 1,211 |
| Net operating income to assets | -2.9871% | 7,822 |
| Return on assets (ROA) | -3.8621% | 7,949 |
| Pretax return on assets | -4.3859% | 7,954 |
| Return on Equity (ROE) | -32.3911% | 7,995 |
| Retained earnings to average equity (ytd only) | -32.3911% | 7,951 |
| Net charge-offs to loans | 0.7880% | 1,578 |
| Credit loss provision to net charge-offs | 224.1197% | 2,123 |
| Earnings coverage of net charge-offs (x) | -4.1376% | 6,807 |
| Efficiency ratio | 80.0708% | 2,592 |
| Assets per employee ($millions) | 5.4643% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8692% | 1,487 |
| Loan loss allowance to noncurrent loans | 54.6505% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 2.5443% | 1,905 |
| Noncurrent loans to loans | 3.4204% | 1,501 |
| Net loans and leases to total assets | 69.7452% | 4,077 |
| Net loans and leases to deposits | 96.4767% | 2,373 |
| Net loans and leases to core deposits | 126.3874% | 2,134 |
| Total domestic deposits to total assets | 63.4059% | 7,818 |
| Equity capital to assets | 9.2970% | 4,938 |
| Core capital (leverage) ratio | 5.9626% | 8,090 |
| Tier 1 risk-based capital ratio | 7.2663% | 8,154 |
| Total risk-based capital ratio | 10.5519% | 7,441 |
| Memoranda: | ||
| Average total assets | $31,583,050,800 | 50 |
| Average earning assets | $27,198,618,000 | 52 |
| Average equity | $3,765,798,800 | 47 |
| Average total loans | $21,311,477,400 | 45 |