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SunTrust Bank, Performance and Condition Ratios
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1063% | 4,140 |
Cost of funding earning assets | 0.8744% | 2,346 |
Net interest margin | 3.2319% | 4,229 |
Noninterest income to average assets | 1.4064% | 457 |
Noninterest expense to average assets | 2.6167% | 3,119 |
Loan and lease loss provision to assets | 0.2535% | 637 |
Net operating income to assets | 1.2253% | 2,107 |
Return on assets (ROA) | 1.2012% | 2,269 |
Pretax return on assets | 1.4219% | 2,218 |
Return on Equity (ROE) | 10.1384% | 2,377 |
Retained earnings to average equity (ytd only) | 3.8681% | 3,468 |
Net charge-offs to loans | 0.2758% | 636 |
Credit loss provision to net charge-offs | 125.7324% | 1,873 |
Earnings coverage of net charge-offs (x) | 8.4462% | 2,654 |
Efficiency ratio | 60.5616% | 3,531 |
Assets per employee ($millions) | 10.4244% | 312 |
Cash dividends to net income (ytd only)* | 61.8473% | 1,220 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0578% | 3,237 |
Loan loss allowance to noncurrent loans | 85.0484% | 3,546 |
Noncurrent assets plus other real estate owned to assets | 0.9331% | 1,446 |
Noncurrent loans to loans | 1.2438% | 1,251 |
Net loans and leases to total assets | 71.7408% | 2,213 |
Net loans and leases to deposits | 93.8580% | 1,229 |
Net loans and leases to core deposits | 100.0569% | 1,649 |
Total domestic deposits to total assets | 76.4355% | 4,593 |
Equity capital to assets | 11.9917% | 2,264 |
Core capital (leverage) ratio | 9.8287% | 3,812 |
Tier 1 risk-based capital ratio | 10.9594% | 4,928 |
Total risk-based capital ratio | 12.2576% | 4,794 |
Memoranda: | ||
Average total assets | $215,370,824,500 | 13 |
Average earning assets | $194,150,701,000 | 11 |
Average equity | $25,516,409,000 | 13 |
Average total loans | $157,437,961,750 | 7 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1401% | 4,066 |
Cost of funding earning assets | 0.8591% | 2,358 |
Net interest margin | 3.2810% | 4,177 |
Noninterest income to average assets | 1.4799% | 408 |
Noninterest expense to average assets | 2.6738% | 2,995 |
Loan and lease loss provision to assets | 0.2621% | 576 |
Net operating income to assets | 1.2767% | 1,864 |
Return on assets (ROA) | 1.2395% | 2,059 |
Pretax return on assets | 1.4590% | 1,998 |
Return on Equity (ROE) | 10.5065% | 2,172 |
Retained earnings to average equity (ytd only) | 3.3554% | 3,554 |
Net charge-offs to loans | 0.2730% | 621 |
Credit loss provision to net charge-offs | 130.9769% | 1,654 |
Earnings coverage of net charge-offs (x) | 8.8157% | 2,383 |
Efficiency ratio | 60.2369% | 3,688 |
Assets per employee ($millions) | 10.1768% | 320 |
Cash dividends to net income (ytd only)* | 68.0635% | 1,168 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0578% | 3,293 |
Loan loss allowance to noncurrent loans | 83.4694% | 3,591 |
Noncurrent assets plus other real estate owned to assets | 0.9649% | 1,441 |
Noncurrent loans to loans | 1.2673% | 1,250 |
Net loans and leases to total assets | 72.6802% | 2,121 |
Net loans and leases to deposits | 96.7166% | 962 |
Net loans and leases to core deposits | 103.1771% | 1,457 |
Total domestic deposits to total assets | 75.1476% | 4,754 |
Equity capital to assets | 12.0124% | 2,175 |
Core capital (leverage) ratio | 9.8506% | 3,758 |
Tier 1 risk-based capital ratio | 10.8539% | 4,973 |
Total risk-based capital ratio | 12.1471% | 4,871 |
Memoranda: | ||
Average total assets | $213,353,032,330 | 13 |
Average earning assets | $192,351,256,330 | 11 |
Average equity | $25,171,022,000 | 13 |
Average total loans | $156,400,650,000 | 7 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1359% | 4,043 |
Cost of funding earning assets | 0.8209% | 2,420 |
Net interest margin | 3.3150% | 4,124 |
Noninterest income to average assets | 1.2585% | 526 |
Noninterest expense to average assets | 2.5217% | 3,439 |
Loan and lease loss provision to assets | 0.2963% | 440 |
Net operating income to assets | 1.1857% | 2,110 |
Return on assets (ROA) | 1.1817% | 2,171 |
Pretax return on assets | 1.4268% | 1,997 |
Return on Equity (ROE) | 10.1105% | 2,323 |
Retained earnings to average equity (ytd only) | 0.4195% | 4,451 |
Net charge-offs to loans | 0.3335% | 459 |
Credit loss provision to net charge-offs | 121.3192% | 1,406 |
Earnings coverage of net charge-offs (x) | 7.0720% | 2,155 |
Efficiency ratio | 59.3395% | 3,900 |
Assets per employee ($millions) | 10.1226% | 326 |
Cash dividends to net income (ytd only)* | 95.8512% | 667 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0464% | 3,425 |
Loan loss allowance to noncurrent loans | 73.0852% | 3,821 |
Noncurrent assets plus other real estate owned to assets | 1.0876% | 1,272 |
Noncurrent loans to loans | 1.4318% | 1,133 |
Net loans and leases to total assets | 72.5493% | 2,069 |
Net loans and leases to deposits | 94.5116% | 1,111 |
Net loans and leases to core deposits | 101.0477% | 1,534 |
Total domestic deposits to total assets | 76.7624% | 4,678 |
Equity capital to assets | 11.6900% | 2,241 |
Core capital (leverage) ratio | 9.7756% | 3,836 |
Tier 1 risk-based capital ratio | 10.8309% | 5,055 |
Total risk-based capital ratio | 12.1363% | 4,930 |
Memoranda: | ||
Average total assets | $211,881,070,000 | 13 |
Average earning assets | $191,118,038,000 | 11 |
Average equity | $24,765,265,500 | 14 |
Average total loans | $155,158,171,000 | 7 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8904% | 4,294 |
Cost of funding earning assets | 0.5559% | 3,013 |
Net interest margin | 3.3346% | 4,167 |
Noninterest income to average assets | 1.3457% | 502 |
Noninterest expense to average assets | 2.5786% | 3,396 |
Loan and lease loss provision to assets | 0.1069% | 2,061 |
Net operating income to assets | 1.3831% | 1,487 |
Return on assets (ROA) | 1.3790% | 1,495 |
Pretax return on assets | 1.6642% | 1,263 |
Return on Equity (ROE) | 11.6290% | 1,853 |
Retained earnings to average equity (ytd only) | 2.1112% | 4,314 |
Net charge-offs to loans | 0.2280% | 856 |
Credit loss provision to net charge-offs | 64.4660% | 3,056 |
Earnings coverage of net charge-offs (x) | 10.7096% | 2,696 |
Efficiency ratio | 59.2108% | 3,984 |
Assets per employee ($millions) | 9.7977% | 361 |
Cash dividends to net income (ytd only)* | 81.8457% | 640 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0526% | 3,364 |
Loan loss allowance to noncurrent loans | 74.1023% | 3,848 |
Noncurrent assets plus other real estate owned to assets | 1.0730% | 1,262 |
Noncurrent loans to loans | 1.4204% | 1,097 |
Net loans and leases to total assets | 72.3696% | 2,198 |
Net loans and leases to deposits | 92.1284% | 1,532 |
Net loans and leases to core deposits | 98.6346% | 1,821 |
Total domestic deposits to total assets | 78.5530% | 4,402 |
Equity capital to assets | 11.6865% | 2,105 |
Core capital (leverage) ratio | 9.9533% | 3,641 |
Tier 1 risk-based capital ratio | 11.0176% | 4,974 |
Total risk-based capital ratio | 12.3315% | 4,828 |
Memoranda: | ||
Average total assets | $203,783,907,400 | 13 |
Average earning assets | $183,824,299,200 | 13 |
Average equity | $24,165,190,000 | 14 |
Average total loans | $148,137,555,800 | 8 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8218% | 4,384 |
Cost of funding earning assets | 0.5021% | 3,185 |
Net interest margin | 3.3197% | 4,222 |
Noninterest income to average assets | 1.3335% | 535 |
Noninterest expense to average assets | 2.5510% | 3,438 |
Loan and lease loss provision to assets | 0.0847% | 2,274 |
Net operating income to assets | 1.4056% | 1,466 |
Return on assets (ROA) | 1.4018% | 1,484 |
Pretax return on assets | 1.6878% | 1,305 |
Return on Equity (ROE) | 11.7773% | 1,877 |
Retained earnings to average equity (ytd only) | 2.2258% | 4,492 |
Net charge-offs to loans | 0.2187% | 779 |
Credit loss provision to net charge-offs | 53.3761% | 2,801 |
Earnings coverage of net charge-offs (x) | 11.1897% | 2,533 |
Efficiency ratio | 58.9352% | 3,970 |
Assets per employee ($millions) | 9.6252% | 366 |
Cash dividends to net income (ytd only)* | 81.1013% | 550 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0865% | 3,269 |
Loan loss allowance to noncurrent loans | 74.4637% | 3,919 |
Noncurrent assets plus other real estate owned to assets | 1.0937% | 1,318 |
Noncurrent loans to loans | 1.4591% | 1,118 |
Net loans and leases to total assets | 71.8555% | 2,349 |
Net loans and leases to deposits | 90.3104% | 1,855 |
Net loans and leases to core deposits | 96.3483% | 2,080 |
Total domestic deposits to total assets | 79.5650% | 4,205 |
Equity capital to assets | 11.6494% | 2,145 |
Core capital (leverage) ratio | 10.1541% | 3,465 |
Tier 1 risk-based capital ratio | 11.2376% | 4,933 |
Total risk-based capital ratio | 12.5851% | 4,774 |
Memoranda: | ||
Average total assets | $202,299,764,250 | 13 |
Average earning assets | $182,431,140,750 | 13 |
Average equity | $24,079,245,500 | 13 |
Average total loans | $146,824,824,250 | 8 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7576% | 4,452 |
Cost of funding earning assets | 0.4584% | 3,298 |
Net interest margin | 3.2992% | 4,251 |
Noninterest income to average assets | 1.3555% | 523 |
Noninterest expense to average assets | 2.5524% | 3,470 |
Loan and lease loss provision to assets | 0.0664% | 2,567 |
Net operating income to assets | 1.3758% | 1,518 |
Return on assets (ROA) | 1.3722% | 1,532 |
Pretax return on assets | 1.7069% | 1,194 |
Return on Equity (ROE) | 11.4456% | 1,931 |
Retained earnings to average equity (ytd only) | 1.9119% | 4,490 |
Net charge-offs to loans | 0.2084% | 762 |
Credit loss provision to net charge-offs | 43.9196% | 2,535 |
Earnings coverage of net charge-offs (x) | 11.7525% | 2,247 |
Efficiency ratio | 58.9416% | 4,096 |
Assets per employee ($millions) | 9.4067% | 389 |
Cash dividends to net income (ytd only)* | 83.2962% | 636 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1196% | 3,153 |
Loan loss allowance to noncurrent loans | 82.5603% | 3,798 |
Noncurrent assets plus other real estate owned to assets | 1.0250% | 1,467 |
Noncurrent loans to loans | 1.3561% | 1,251 |
Net loans and leases to total assets | 72.0843% | 2,258 |
Net loans and leases to deposits | 88.1632% | 2,091 |
Net loans and leases to core deposits | 93.6689% | 2,250 |
Total domestic deposits to total assets | 81.7623% | 3,789 |
Equity capital to assets | 11.8601% | 1,949 |
Core capital (leverage) ratio | 10.2011% | 3,358 |
Tier 1 risk-based capital ratio | 11.2890% | 4,905 |
Total risk-based capital ratio | 12.7121% | 4,705 |
Memoranda: | ||
Average total assets | $201,224,002,670 | 13 |
Average earning assets | $181,357,979,000 | 13 |
Average equity | $24,124,766,330 | 13 |
Average total loans | $145,998,184,670 | 8 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6828% | 4,505 |
Cost of funding earning assets | 0.4222% | 3,429 |
Net interest margin | 3.2606% | 4,288 |
Noninterest income to average assets | 1.3124% | 541 |
Noninterest expense to average assets | 2.5456% | 3,512 |
Loan and lease loss provision to assets | 0.0755% | 2,257 |
Net operating income to assets | 1.3005% | 1,639 |
Return on assets (ROA) | 1.2970% | 1,655 |
Pretax return on assets | 1.6212% | 1,332 |
Return on Equity (ROE) | 10.7601% | 2,063 |
Retained earnings to average equity (ytd only) | 1.2577% | 4,558 |
Net charge-offs to loans | 0.2170% | 687 |
Credit loss provision to net charge-offs | 48.0479% | 1,965 |
Earnings coverage of net charge-offs (x) | 10.8242% | 1,884 |
Efficiency ratio | 59.9413% | 4,074 |
Assets per employee ($millions) | 9.2148% | 407 |
Cash dividends to net income (ytd only)* | 88.3110% | 712 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1667% | 2,993 |
Loan loss allowance to noncurrent loans | 82.0681% | 3,788 |
Noncurrent assets plus other real estate owned to assets | 1.0713% | 1,455 |
Noncurrent loans to loans | 1.4217% | 1,246 |
Net loans and leases to total assets | 71.7409% | 2,217 |
Net loans and leases to deposits | 86.8842% | 2,063 |
Net loans and leases to core deposits | 92.2532% | 2,278 |
Total domestic deposits to total assets | 82.5707% | 3,795 |
Equity capital to assets | 11.9840% | 1,801 |
Core capital (leverage) ratio | 10.1387% | 3,373 |
Tier 1 risk-based capital ratio | 11.4086% | 4,912 |
Total risk-based capital ratio | 12.9035% | 4,665 |
Memoranda: | ||
Average total assets | $200,803,865,000 | 12 |
Average earning assets | $180,635,858,500 | 13 |
Average equity | $24,204,602,500 | 13 |
Average total loans | $145,344,375,000 | 8 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4688% | 4,836 |
Cost of funding earning assets | 0.3362% | 3,831 |
Net interest margin | 3.1326% | 4,621 |
Noninterest income to average assets | 1.4629% | 494 |
Noninterest expense to average assets | 2.5795% | 3,510 |
Loan and lease loss provision to assets | 0.1967% | 1,061 |
Net operating income to assets | 1.2284% | 1,432 |
Return on assets (ROA) | 1.1804% | 1,602 |
Pretax return on assets | 1.4669% | 1,753 |
Return on Equity (ROE) | 9.9781% | 1,898 |
Retained earnings to average equity (ytd only) | 4.1156% | 2,698 |
Net charge-offs to loans | 0.2528% | 1,036 |
Credit loss provision to net charge-offs | 107.0801% | 2,421 |
Earnings coverage of net charge-offs (x) | 9.3742% | 2,797 |
Efficiency ratio | 59.9596% | 4,272 |
Assets per employee ($millions) | 9.1325% | 432 |
Cash dividends to net income (ytd only)* | 58.7541% | 1,817 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1918% | 2,829 |
Loan loss allowance to noncurrent loans | 83.3441% | 3,849 |
Noncurrent assets plus other real estate owned to assets | 1.0711% | 1,424 |
Noncurrent loans to loans | 1.4300% | 1,202 |
Net loans and leases to total assets | 71.3162% | 2,335 |
Net loans and leases to deposits | 87.6557% | 2,055 |
Net loans and leases to core deposits | 92.6668% | 2,309 |
Total domestic deposits to total assets | 81.3594% | 4,035 |
Equity capital to assets | 12.1231% | 1,747 |
Core capital (leverage) ratio | 9.9740% | 3,490 |
Tier 1 risk-based capital ratio | 11.3063% | 4,978 |
Total risk-based capital ratio | 12.8348% | 4,689 |
Memoranda: | ||
Average total assets | $201,868,052,000 | 12 |
Average earning assets | $182,909,242,200 | 12 |
Average equity | $23,880,393,400 | 13 |
Average total loans | $146,665,259,200 | 8 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4276% | 4,926 |
Cost of funding earning assets | 0.3231% | 3,912 |
Net interest margin | 3.1045% | 4,706 |
Noninterest income to average assets | 1.4073% | 537 |
Noninterest expense to average assets | 2.5133% | 3,689 |
Loan and lease loss provision to assets | 0.2137% | 883 |
Net operating income to assets | 1.0661% | 2,249 |
Return on assets (ROA) | 1.0623% | 2,308 |
Pretax return on assets | 1.4989% | 1,772 |
Return on Equity (ROE) | 9.0359% | 2,579 |
Retained earnings to average equity (ytd only) | 3.1386% | 4,039 |
Net charge-offs to loans | 0.2365% | 902 |
Credit loss provision to net charge-offs | 124.1617% | 1,954 |
Earnings coverage of net charge-offs (x) | 9.9726% | 2,645 |
Efficiency ratio | 59.4130% | 4,305 |
Assets per employee ($millions) | 9.0508% | 431 |
Cash dividends to net income (ytd only)* | 65.2649% | 1,132 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2034% | 2,917 |
Loan loss allowance to noncurrent loans | 85.5111% | 3,796 |
Noncurrent assets plus other real estate owned to assets | 1.0590% | 1,582 |
Noncurrent loans to loans | 1.4073% | 1,325 |
Net loans and leases to total assets | 71.4987% | 2,331 |
Net loans and leases to deposits | 87.8499% | 2,086 |
Net loans and leases to core deposits | 92.7687% | 2,373 |
Total domestic deposits to total assets | 81.3874% | 3,952 |
Equity capital to assets | 11.8545% | 2,070 |
Core capital (leverage) ratio | 9.7856% | 3,838 |
Tier 1 risk-based capital ratio | 11.0552% | 5,210 |
Total risk-based capital ratio | 12.5959% | 4,933 |
Memoranda: | ||
Average total assets | $201,925,685,250 | 12 |
Average earning assets | $183,563,200,250 | 12 |
Average equity | $23,739,314,250 | 14 |
Average total loans | $146,947,886,750 | 8 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3771% | 4,993 |
Cost of funding earning assets | 0.3001% | 4,081 |
Net interest margin | 3.0770% | 4,735 |
Noninterest income to average assets | 1.4166% | 541 |
Noninterest expense to average assets | 2.5730% | 3,515 |
Loan and lease loss provision to assets | 0.2029% | 904 |
Net operating income to assets | 1.0307% | 2,291 |
Return on assets (ROA) | 1.0272% | 2,340 |
Pretax return on assets | 1.4358% | 1,873 |
Return on Equity (ROE) | 8.7618% | 2,625 |
Retained earnings to average equity (ytd only) | 2.8336% | 4,022 |
Net charge-offs to loans | 0.2484% | 824 |
Credit loss provision to net charge-offs | 112.0544% | 1,863 |
Earnings coverage of net charge-offs (x) | 9.0660% | 2,469 |
Efficiency ratio | 61.0362% | 4,160 |
Assets per employee ($millions) | 9.0136% | 420 |
Cash dividends to net income (ytd only)* | 67.6597% | 1,215 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1758% | 3,165 |
Loan loss allowance to noncurrent loans | 86.2488% | 3,827 |
Noncurrent assets plus other real estate owned to assets | 1.0289% | 1,702 |
Noncurrent loans to loans | 1.3632% | 1,420 |
Net loans and leases to total assets | 71.8233% | 2,230 |
Net loans and leases to deposits | 89.0661% | 1,857 |
Net loans and leases to core deposits | 94.1536% | 2,139 |
Total domestic deposits to total assets | 80.3392% | 4,339 |
Equity capital to assets | 11.7755% | 2,095 |
Core capital (leverage) ratio | 9.7237% | 3,869 |
Tier 1 risk-based capital ratio | 11.0047% | 5,249 |
Total risk-based capital ratio | 12.5327% | 4,983 |
Memoranda: | ||
Average total assets | $201,440,655,330 | 12 |
Average earning assets | $183,194,957,670 | 12 |
Average equity | $23,615,856,000 | 14 |
Average total loans | $146,868,544,670 | 8 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3259% | 5,064 |
Cost of funding earning assets | 0.2821% | 4,235 |
Net interest margin | 3.0438% | 4,803 |
Noninterest income to average assets | 1.4184% | 533 |
Noninterest expense to average assets | 2.6193% | 3,420 |
Loan and lease loss provision to assets | 0.2328% | 664 |
Net operating income to assets | 0.9742% | 2,420 |
Return on assets (ROA) | 0.9696% | 2,489 |
Pretax return on assets | 1.3273% | 2,147 |
Return on Equity (ROE) | 8.2892% | 2,771 |
Retained earnings to average equity (ytd only) | 2.3323% | 4,208 |
Net charge-offs to loans | 0.3047% | 608 |
Credit loss provision to net charge-offs | 104.6246% | 1,520 |
Earnings coverage of net charge-offs (x) | 7.0329% | 2,170 |
Efficiency ratio | 62.6011% | 4,057 |
Assets per employee ($millions) | 8.9818% | 430 |
Cash dividends to net income (ytd only)* | 71.8634% | 1,130 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1750% | 3,282 |
Loan loss allowance to noncurrent loans | 84.9750% | 3,902 |
Noncurrent assets plus other real estate owned to assets | 1.0665% | 1,689 |
Noncurrent loans to loans | 1.3828% | 1,457 |
Net loans and leases to total assets | 71.5957% | 2,132 |
Net loans and leases to deposits | 87.6403% | 1,847 |
Net loans and leases to core deposits | 91.9945% | 2,165 |
Total domestic deposits to total assets | 81.4915% | 4,299 |
Equity capital to assets | 11.7023% | 2,033 |
Core capital (leverage) ratio | 9.6075% | 3,986 |
Tier 1 risk-based capital ratio | 10.9561% | 5,334 |
Total risk-based capital ratio | 12.5060% | 5,070 |
Memoranda: | ||
Average total assets | $200,920,292,000 | 12 |
Average earning assets | $182,550,295,000 | 13 |
Average equity | $23,502,161,000 | 14 |
Average total loans | $146,723,258,500 | 8 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2446% | 5,244 |
Cost of funding earning assets | 0.2336% | 4,708 |
Net interest margin | 3.0110% | 4,938 |
Noninterest income to average assets | 1.5068% | 523 |
Noninterest expense to average assets | 2.5593% | 3,812 |
Loan and lease loss provision to assets | 0.2262% | 961 |
Net operating income to assets | 1.0160% | 2,284 |
Return on assets (ROA) | 1.0129% | 2,397 |
Pretax return on assets | 1.4572% | 1,730 |
Return on Equity (ROE) | 8.2856% | 2,795 |
Retained earnings to average equity (ytd only) | 2.8159% | 3,900 |
Net charge-offs to loans | 0.3363% | 817 |
Credit loss provision to net charge-offs | 91.0913% | 2,775 |
Earnings coverage of net charge-offs (x) | 6.7895% | 3,124 |
Efficiency ratio | 60.2650% | 4,540 |
Assets per employee ($millions) | 8.8967% | 435 |
Cash dividends to net income (ytd only)* | 66.0143% | 1,497 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1572% | 3,388 |
Loan loss allowance to noncurrent loans | 80.0371% | 4,005 |
Noncurrent assets plus other real estate owned to assets | 1.1259% | 1,649 |
Noncurrent loans to loans | 1.4458% | 1,402 |
Net loans and leases to total assets | 72.7545% | 2,054 |
Net loans and leases to deposits | 89.8664% | 1,700 |
Net loans and leases to core deposits | 94.4535% | 2,060 |
Total domestic deposits to total assets | 80.6544% | 4,422 |
Equity capital to assets | 11.6922% | 2,014 |
Core capital (leverage) ratio | 9.6319% | 3,930 |
Tier 1 risk-based capital ratio | 10.7305% | 5,474 |
Total risk-based capital ratio | 12.2922% | 5,212 |
Memoranda: | ||
Average total assets | $194,411,277,400 | 13 |
Average earning assets | $176,795,942,200 | 13 |
Average equity | $23,767,529,000 | 13 |
Average total loans | $143,510,437,400 | 8 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2330% | 5,314 |
Cost of funding earning assets | 0.2287% | 4,799 |
Net interest margin | 3.0043% | 5,007 |
Noninterest income to average assets | 1.5334% | 521 |
Noninterest expense to average assets | 2.5646% | 3,782 |
Loan and lease loss provision to assets | 0.2337% | 841 |
Net operating income to assets | 1.0176% | 2,349 |
Return on assets (ROA) | 1.0151% | 2,501 |
Pretax return on assets | 1.4667% | 1,822 |
Return on Equity (ROE) | 8.2098% | 2,903 |
Retained earnings to average equity (ytd only) | 2.8983% | 4,161 |
Net charge-offs to loans | 0.3247% | 711 |
Credit loss provision to net charge-offs | 97.4089% | 2,416 |
Earnings coverage of net charge-offs (x) | 7.0953% | 2,919 |
Efficiency ratio | 60.0951% | 4,526 |
Assets per employee ($millions) | 9.0885% | 393 |
Cash dividends to net income (ytd only)* | 64.6968% | 1,232 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1977% | 3,250 |
Loan loss allowance to noncurrent loans | 83.1746% | 3,985 |
Noncurrent assets plus other real estate owned to assets | 1.1077% | 1,835 |
Noncurrent loans to loans | 1.4399% | 1,506 |
Net loans and leases to total assets | 71.7944% | 2,223 |
Net loans and leases to deposits | 89.0297% | 1,882 |
Net loans and leases to core deposits | 93.1503% | 2,262 |
Total domestic deposits to total assets | 80.4911% | 4,392 |
Equity capital to assets | 12.1061% | 2,036 |
Core capital (leverage) ratio | 9.6593% | 3,988 |
Tier 1 risk-based capital ratio | 10.9081% | 5,421 |
Total risk-based capital ratio | 12.5593% | 5,104 |
Memoranda: | ||
Average total assets | $192,874,688,000 | 13 |
Average earning assets | $175,467,378,000 | 13 |
Average equity | $23,847,013,250 | 12 |
Average total loans | $142,482,284,750 | 8 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2492% | 5,367 |
Cost of funding earning assets | 0.2232% | 4,907 |
Net interest margin | 3.0259% | 5,027 |
Noninterest income to average assets | 1.5316% | 515 |
Noninterest expense to average assets | 2.5489% | 3,890 |
Loan and lease loss provision to assets | 0.2557% | 748 |
Net operating income to assets | 1.0306% | 2,251 |
Return on assets (ROA) | 1.0290% | 2,394 |
Pretax return on assets | 1.4782% | 1,746 |
Return on Equity (ROE) | 8.2625% | 2,856 |
Retained earnings to average equity (ytd only) | 3.2028% | 3,860 |
Net charge-offs to loans | 0.3131% | 755 |
Credit loss provision to net charge-offs | 109.9386% | 1,962 |
Earnings coverage of net charge-offs (x) | 7.4556% | 2,627 |
Efficiency ratio | 59.4970% | 4,713 |
Assets per employee ($millions) | 8.7876% | 423 |
Cash dividends to net income (ytd only)* | 61.2362% | 1,474 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2291% | 3,195 |
Loan loss allowance to noncurrent loans | 89.3015% | 3,923 |
Noncurrent assets plus other real estate owned to assets | 1.0798% | 1,962 |
Noncurrent loans to loans | 1.3763% | 1,625 |
Net loans and leases to total assets | 73.1991% | 1,981 |
Net loans and leases to deposits | 91.7282% | 1,551 |
Net loans and leases to core deposits | 96.0103% | 1,974 |
Total domestic deposits to total assets | 79.8000% | 4,593 |
Equity capital to assets | 12.4385% | 1,814 |
Core capital (leverage) ratio | 9.7240% | 3,899 |
Tier 1 risk-based capital ratio | 10.9406% | 5,451 |
Total risk-based capital ratio | 12.6285% | 5,123 |
Memoranda: | ||
Average total assets | $190,432,662,670 | 13 |
Average earning assets | $173,156,399,670 | 13 |
Average equity | $23,717,201,000 | 12 |
Average total loans | $141,484,645,670 | 8 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2656% | 5,385 |
Cost of funding earning assets | 0.2183% | 5,022 |
Net interest margin | 3.0472% | 5,012 |
Noninterest income to average assets | 1.4321% | 548 |
Noninterest expense to average assets | 2.5350% | 3,964 |
Loan and lease loss provision to assets | 0.2182% | 882 |
Net operating income to assets | 1.0004% | 2,276 |
Return on assets (ROA) | 0.9957% | 2,413 |
Pretax return on assets | 1.4458% | 1,761 |
Return on Equity (ROE) | 7.9895% | 2,918 |
Retained earnings to average equity (ytd only) | 2.8762% | 4,078 |
Net charge-offs to loans | 0.2419% | 847 |
Credit loss provision to net charge-offs | 121.2426% | 1,435 |
Earnings coverage of net charge-offs (x) | 9.2729% | 1,998 |
Efficiency ratio | 60.2913% | 4,706 |
Assets per employee ($millions) | 8.5710% | 460 |
Cash dividends to net income (ytd only)* | 64.0001% | 1,343 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2481% | 3,205 |
Loan loss allowance to noncurrent loans | 89.7569% | 3,868 |
Noncurrent assets plus other real estate owned to assets | 1.0968% | 2,011 |
Noncurrent loans to loans | 1.3905% | 1,715 |
Net loans and leases to total assets | 73.7151% | 1,774 |
Net loans and leases to deposits | 90.4138% | 1,530 |
Net loans and leases to core deposits | 94.4026% | 1,949 |
Total domestic deposits to total assets | 81.5308% | 4,350 |
Equity capital to assets | 12.5283% | 1,665 |
Core capital (leverage) ratio | 9.8788% | 3,685 |
Tier 1 risk-based capital ratio | 10.9738% | 5,518 |
Total risk-based capital ratio | 12.2525% | 5,413 |
Memoranda: | ||
Average total assets | $188,309,291,000 | 13 |
Average earning assets | $171,271,865,000 | 13 |
Average equity | $23,468,164,500 | 12 |
Average total loans | $140,088,552,500 | 8 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1075% | 5,624 |
Cost of funding earning assets | 0.2134% | 5,159 |
Net interest margin | 2.8941% | 5,346 |
Noninterest income to average assets | 1.5088% | 549 |
Noninterest expense to average assets | 2.5581% | 4,046 |
Loan and lease loss provision to assets | 0.0842% | 2,610 |
Net operating income to assets | 1.0662% | 2,060 |
Return on assets (ROA) | 1.0691% | 2,121 |
Pretax return on assets | 1.5001% | 1,554 |
Return on Equity (ROE) | 8.6215% | 2,662 |
Retained earnings to average equity (ytd only) | 3.7194% | 3,405 |
Net charge-offs to loans | 0.2500% | 1,199 |
Credit loss provision to net charge-offs | 45.7279% | 3,460 |
Earnings coverage of net charge-offs (x) | 8.5711% | 2,930 |
Efficiency ratio | 61.8185% | 4,639 |
Assets per employee ($millions) | 8.4142% | 479 |
Cash dividends to net income (ytd only)* | 56.8592% | 1,919 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2652% | 3,083 |
Loan loss allowance to noncurrent loans | 105.9038% | 3,553 |
Noncurrent assets plus other real estate owned to assets | 0.9503% | 2,292 |
Noncurrent loans to loans | 1.1947% | 1,977 |
Net loans and leases to total assets | 73.1965% | 1,853 |
Net loans and leases to deposits | 89.5422% | 1,678 |
Net loans and leases to core deposits | 93.7936% | 2,064 |
Total domestic deposits to total assets | 81.7399% | 4,243 |
Equity capital to assets | 12.3957% | 1,673 |
Core capital (leverage) ratio | 9.9551% | 3,572 |
Tier 1 risk-based capital ratio | 11.0515% | 5,494 |
Total risk-based capital ratio | 12.4050% | 5,343 |
Memoranda: | ||
Average total assets | $185,060,882,600 | 13 |
Average earning assets | $168,014,781,000 | 12 |
Average equity | $22,949,331,800 | 12 |
Average total loans | $136,309,843,600 | 8 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0792% | 5,730 |
Cost of funding earning assets | 0.2187% | 5,201 |
Net interest margin | 2.8604% | 5,473 |
Noninterest income to average assets | 1.5321% | 528 |
Noninterest expense to average assets | 2.5687% | 3,984 |
Loan and lease loss provision to assets | 0.0772% | 2,641 |
Net operating income to assets | 1.0550% | 2,196 |
Return on assets (ROA) | 1.0606% | 2,259 |
Pretax return on assets | 1.4915% | 1,702 |
Return on Equity (ROE) | 8.5518% | 2,797 |
Retained earnings to average equity (ytd only) | 3.7486% | 3,808 |
Net charge-offs to loans | 0.2532% | 1,039 |
Credit loss provision to net charge-offs | 41.4604% | 3,148 |
Earnings coverage of net charge-offs (x) | 8.3709% | 2,825 |
Efficiency ratio | 62.2016% | 4,537 |
Assets per employee ($millions) | 8.2163% | 496 |
Cash dividends to net income (ytd only)* | 56.1664% | 1,589 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3150% | 3,010 |
Loan loss allowance to noncurrent loans | 130.4567% | 3,088 |
Noncurrent assets plus other real estate owned to assets | 0.8170% | 2,836 |
Noncurrent loans to loans | 1.0080% | 2,461 |
Net loans and leases to total assets | 73.1426% | 1,884 |
Net loans and leases to deposits | 89.6494% | 1,696 |
Net loans and leases to core deposits | 94.2267% | 2,055 |
Total domestic deposits to total assets | 81.5055% | 4,322 |
Equity capital to assets | 12.7156% | 1,605 |
Core capital (leverage) ratio | 9.9094% | 3,759 |
Tier 1 risk-based capital ratio | 11.1171% | 5,595 |
Total risk-based capital ratio | 12.5498% | 5,391 |
Memoranda: | ||
Average total assets | $184,648,355,000 | 13 |
Average earning assets | $167,545,747,750 | 12 |
Average equity | $22,900,625,000 | 11 |
Average total loans | $135,782,993,250 | 8 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0339% | 5,826 |
Cost of funding earning assets | 0.2246% | 5,198 |
Net interest margin | 2.8093% | 5,596 |
Noninterest income to average assets | 1.5600% | 529 |
Noninterest expense to average assets | 2.6062% | 3,884 |
Loan and lease loss provision to assets | 0.0905% | 2,308 |
Net operating income to assets | 0.9828% | 2,490 |
Return on assets (ROA) | 0.9883% | 2,562 |
Pretax return on assets | 1.4206% | 1,895 |
Return on Equity (ROE) | 8.0360% | 3,030 |
Retained earnings to average equity (ytd only) | 3.4248% | 3,864 |
Net charge-offs to loans | 0.2751% | 959 |
Credit loss provision to net charge-offs | 44.8696% | 2,760 |
Earnings coverage of net charge-offs (x) | 7.4399% | 2,669 |
Efficiency ratio | 63.4202% | 4,442 |
Assets per employee ($millions) | 8.2008% | 485 |
Cash dividends to net income (ytd only)* | 57.3817% | 1,630 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3569% | 2,949 |
Loan loss allowance to noncurrent loans | 123.0380% | 3,221 |
Noncurrent assets plus other real estate owned to assets | 0.8867% | 2,770 |
Noncurrent loans to loans | 1.1028% | 2,448 |
Net loans and leases to total assets | 72.3418% | 1,927 |
Net loans and leases to deposits | 90.0283% | 1,596 |
Net loans and leases to core deposits | 94.4367% | 1,917 |
Total domestic deposits to total assets | 80.2731% | 4,801 |
Equity capital to assets | 12.3932% | 1,731 |
Core capital (leverage) ratio | 9.8058% | 3,855 |
Tier 1 risk-based capital ratio | 11.0573% | 5,685 |
Total risk-based capital ratio | 12.5435% | 5,504 |
Memoranda: | ||
Average total assets | $185,142,416,330 | 12 |
Average earning assets | $167,873,180,330 | 12 |
Average equity | $22,770,633,330 | 11 |
Average total loans | $135,791,399,330 | 8 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0001% | 5,891 |
Cost of funding earning assets | 0.2275% | 5,241 |
Net interest margin | 2.7726% | 5,697 |
Noninterest income to average assets | 1.5808% | 488 |
Noninterest expense to average assets | 2.6087% | 3,891 |
Loan and lease loss provision to assets | 0.1195% | 1,732 |
Net operating income to assets | 0.9379% | 2,570 |
Return on assets (ROA) | 0.9331% | 2,721 |
Pretax return on assets | 1.3605% | 2,036 |
Return on Equity (ROE) | 7.6158% | 3,157 |
Retained earnings to average equity (ytd only) | 3.6580% | 3,812 |
Net charge-offs to loans | 0.2922% | 817 |
Credit loss provision to net charge-offs | 55.7564% | 2,046 |
Earnings coverage of net charge-offs (x) | 6.9278% | 2,229 |
Efficiency ratio | 63.6981% | 4,522 |
Assets per employee ($millions) | 8.1680% | 511 |
Cash dividends to net income (ytd only)* | 51.9675% | 1,662 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3923% | 2,951 |
Loan loss allowance to noncurrent loans | 117.9792% | 3,304 |
Noncurrent assets plus other real estate owned to assets | 0.9489% | 2,727 |
Noncurrent loans to loans | 1.1801% | 2,413 |
Net loans and leases to total assets | 72.3175% | 1,756 |
Net loans and leases to deposits | 91.3978% | 1,246 |
Net loans and leases to core deposits | 95.9197% | 1,619 |
Total domestic deposits to total assets | 78.9620% | 5,271 |
Equity capital to assets | 12.3441% | 1,787 |
Core capital (leverage) ratio | 9.6522% | 4,072 |
Tier 1 risk-based capital ratio | 11.0331% | 5,790 |
Total risk-based capital ratio | 12.5788% | 5,554 |
Memoranda: | ||
Average total assets | $185,602,182,000 | 12 |
Average earning assets | $168,197,695,000 | 12 |
Average equity | $22,740,372,500 | 10 |
Average total loans | $136,135,443,500 | 8 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3143% | 5,686 |
Cost of funding earning assets | 0.2491% | 5,328 |
Net interest margin | 3.0652% | 5,287 |
Noninterest income to average assets | 1.5351% | 524 |
Noninterest expense to average assets | 2.8622% | 3,258 |
Loan and lease loss provision to assets | 0.1893% | 1,352 |
Net operating income to assets | 0.9837% | 2,462 |
Return on assets (ROA) | 0.9724% | 2,597 |
Pretax return on assets | 1.2334% | 2,512 |
Return on Equity (ROE) | 7.8714% | 3,201 |
Retained earnings to average equity (ytd only) | 4.3611% | 3,076 |
Net charge-offs to loans | 0.3352% | 1,312 |
Credit loss provision to net charge-offs | 75.9675% | 2,952 |
Earnings coverage of net charge-offs (x) | 5.7618% | 3,360 |
Efficiency ratio | 66.5058% | 4,151 |
Assets per employee ($millions) | 8.1279% | 514 |
Cash dividends to net income (ytd only)* | 44.5959% | 2,596 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4199% | 2,856 |
Loan loss allowance to noncurrent loans | 111.9672% | 3,465 |
Noncurrent assets plus other real estate owned to assets | 1.0226% | 2,695 |
Noncurrent loans to loans | 1.2681% | 2,332 |
Net loans and leases to total assets | 72.3075% | 1,857 |
Net loans and leases to deposits | 93.8277% | 1,089 |
Net loans and leases to core deposits | 99.0728% | 1,463 |
Total domestic deposits to total assets | 76.8625% | 5,619 |
Equity capital to assets | 12.1592% | 1,895 |
Core capital (leverage) ratio | 9.5663% | 4,151 |
Tier 1 risk-based capital ratio | 10.6700% | 6,034 |
Total risk-based capital ratio | 12.2874% | 5,835 |
Memoranda: | ||
Average total assets | $178,710,377,000 | 12 |
Average earning assets | $161,075,880,000 | 11 |
Average equity | $22,077,772,400 | 10 |
Average total loans | $132,840,077,400 | 8 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3511% | 5,672 |
Cost of funding earning assets | 0.2515% | 5,392 |
Net interest margin | 3.0996% | 5,258 |
Noninterest income to average assets | 1.4904% | 565 |
Noninterest expense to average assets | 2.8385% | 3,322 |
Loan and lease loss provision to assets | 0.2075% | 1,127 |
Net operating income to assets | 1.0043% | 2,434 |
Return on assets (ROA) | 0.9917% | 2,550 |
Pretax return on assets | 1.2206% | 2,703 |
Return on Equity (ROE) | 7.9942% | 3,208 |
Retained earnings to average equity (ytd only) | 4.6527% | 3,323 |
Net charge-offs to loans | 0.3549% | 1,138 |
Credit loss provision to net charge-offs | 78.3622% | 2,625 |
Earnings coverage of net charge-offs (x) | 5.4468% | 3,260 |
Efficiency ratio | 66.2006% | 4,188 |
Assets per employee ($millions) | 7.8340% | 556 |
Cash dividends to net income (ytd only)* | 41.7989% | 2,271 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4679% | 2,864 |
Loan loss allowance to noncurrent loans | 104.5727% | 3,561 |
Noncurrent assets plus other real estate owned to assets | 1.1285% | 2,699 |
Noncurrent loans to loans | 1.4037% | 2,312 |
Net loans and leases to total assets | 72.3334% | 1,793 |
Net loans and leases to deposits | 94.5850% | 987 |
Net loans and leases to core deposits | 100.1447% | 1,356 |
Total domestic deposits to total assets | 76.3375% | 5,772 |
Equity capital to assets | 12.2429% | 1,875 |
Core capital (leverage) ratio | 9.6937% | 4,086 |
Tier 1 risk-based capital ratio | 10.6962% | 6,129 |
Total risk-based capital ratio | 12.3573% | 5,905 |
Memoranda: | ||
Average total assets | $176,910,510,000 | 12 |
Average earning assets | $159,250,091,000 | 12 |
Average equity | $21,945,908,000 | 10 |
Average total loans | $131,959,353,500 | 8 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3832% | 5,659 |
Cost of funding earning assets | 0.2535% | 5,449 |
Net interest margin | 3.1297% | 5,160 |
Noninterest income to average assets | 1.4831% | 556 |
Noninterest expense to average assets | 2.9785% | 2,909 |
Loan and lease loss provision to assets | 0.2084% | 1,143 |
Net operating income to assets | 0.8306% | 3,173 |
Return on assets (ROA) | 0.8200% | 3,330 |
Pretax return on assets | 1.0979% | 3,109 |
Return on Equity (ROE) | 6.5803% | 3,847 |
Retained earnings to average equity (ytd only) | 3.6002% | 3,899 |
Net charge-offs to loans | 0.3403% | 1,194 |
Credit loss provision to net charge-offs | 81.6409% | 2,309 |
Earnings coverage of net charge-offs (x) | 5.1598% | 2,977 |
Efficiency ratio | 69.2273% | 3,794 |
Assets per employee ($millions) | 7.4082% | 657 |
Cash dividends to net income (ytd only)* | 45.2885% | 2,145 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4969% | 2,915 |
Loan loss allowance to noncurrent loans | 103.0132% | 3,567 |
Noncurrent assets plus other real estate owned to assets | 1.2175% | 2,653 |
Noncurrent loans to loans | 1.4531% | 2,374 |
Net loans and leases to total assets | 73.8713% | 1,461 |
Net loans and leases to deposits | 96.2583% | 787 |
Net loans and leases to core deposits | 102.4415% | 1,107 |
Total domestic deposits to total assets | 76.7372% | 5,825 |
Equity capital to assets | 12.3869% | 1,713 |
Core capital (leverage) ratio | 9.6888% | 4,060 |
Tier 1 risk-based capital ratio | 10.7043% | 6,172 |
Total risk-based capital ratio | 12.4573% | 5,893 |
Memoranda: | ||
Average total assets | $175,028,853,000 | 13 |
Average earning assets | $157,286,251,670 | 12 |
Average equity | $21,811,167,670 | 10 |
Average total loans | $131,273,863,670 | 8 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4019% | 5,642 |
Cost of funding earning assets | 0.2555% | 5,534 |
Net interest margin | 3.1464% | 5,100 |
Noninterest income to average assets | 1.4614% | 550 |
Noninterest expense to average assets | 2.8128% | 3,518 |
Loan and lease loss provision to assets | 0.2451% | 884 |
Net operating income to assets | 0.9429% | 2,439 |
Return on assets (ROA) | 0.9328% | 2,561 |
Pretax return on assets | 1.2211% | 2,384 |
Return on Equity (ROE) | 7.4624% | 3,229 |
Retained earnings to average equity (ytd only) | 5.6165% | 2,728 |
Net charge-offs to loans | 0.3391% | 1,056 |
Credit loss provision to net charge-offs | 96.3679% | 1,734 |
Earnings coverage of net charge-offs (x) | 5.8038% | 2,328 |
Efficiency ratio | 65.4677% | 4,614 |
Assets per employee ($millions) | 7.3284% | 682 |
Cash dividends to net income (ytd only)* | 24.7356% | 2,419 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5611% | 2,880 |
Loan loss allowance to noncurrent loans | 98.3297% | 3,652 |
Noncurrent assets plus other real estate owned to assets | 1.3222% | 2,668 |
Noncurrent loans to loans | 1.5876% | 2,433 |
Net loans and leases to total assets | 73.2847% | 1,386 |
Net loans and leases to deposits | 94.3688% | 757 |
Net loans and leases to core deposits | 100.6654% | 1,059 |
Total domestic deposits to total assets | 77.6577% | 5,877 |
Equity capital to assets | 12.4614% | 1,602 |
Core capital (leverage) ratio | 9.7778% | 3,891 |
Tier 1 risk-based capital ratio | 11.0355% | 6,140 |
Total risk-based capital ratio | 12.8324% | 5,818 |
Memoranda: | ||
Average total assets | $173,362,819,500 | 13 |
Average earning assets | $155,799,317,000 | 12 |
Average equity | $21,670,055,500 | 10 |
Average total loans | $130,030,912,500 | 8 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5400% | 5,560 |
Cost of funding earning assets | 0.2800% | 5,761 |
Net interest margin | 3.2599% | 4,806 |
Noninterest income to average assets | 1.5371% | 600 |
Noninterest expense to average assets | 3.3028% | 2,144 |
Loan and lease loss provision to assets | 0.3255% | 1,005 |
Net operating income to assets | 0.7050% | 3,775 |
Return on assets (ROA) | 0.6998% | 3,882 |
Pretax return on assets | 0.8203% | 4,074 |
Return on Equity (ROE) | 5.5264% | 4,375 |
Retained earnings to average equity (ytd only) | 4.1206% | 3,240 |
Net charge-offs to loans | 0.5380% | 1,229 |
Credit loss provision to net charge-offs | 80.8611% | 3,027 |
Earnings coverage of net charge-offs (x) | 2.8595% | 4,044 |
Efficiency ratio | 73.9544% | 3,134 |
Assets per employee ($millions) | 7.0423% | 744 |
Cash dividends to net income (ytd only)* | 25.4371% | 3,488 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5786% | 2,849 |
Loan loss allowance to noncurrent loans | 92.2851% | 3,823 |
Noncurrent assets plus other real estate owned to assets | 1.4517% | 2,567 |
Noncurrent loans to loans | 1.7106% | 2,347 |
Net loans and leases to total assets | 74.3839% | 1,292 |
Net loans and leases to deposits | 95.8208% | 747 |
Net loans and leases to core deposits | 102.2293% | 1,009 |
Total domestic deposits to total assets | 77.6281% | 5,881 |
Equity capital to assets | 12.5392% | 1,497 |
Core capital (leverage) ratio | 9.7777% | 3,870 |
Tier 1 risk-based capital ratio | 10.9613% | 6,189 |
Total risk-based capital ratio | 12.8388% | 5,801 |
Memoranda: | ||
Average total assets | $168,539,106,200 | 13 |
Average earning assets | $150,793,423,400 | 14 |
Average equity | $21,340,852,400 | 10 |
Average total loans | $126,091,227,000 | 8 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5610% | 5,550 |
Cost of funding earning assets | 0.2869% | 5,837 |
Net interest margin | 3.2741% | 4,734 |
Noninterest income to average assets | 1.5374% | 620 |
Noninterest expense to average assets | 3.4379% | 1,746 |
Loan and lease loss provision to assets | 0.3557% | 890 |
Net operating income to assets | 0.6349% | 4,198 |
Return on assets (ROA) | 0.6274% | 4,352 |
Pretax return on assets | 0.6634% | 4,811 |
Return on Equity (ROE) | 4.9423% | 4,756 |
Retained earnings to average equity (ytd only) | 3.6908% | 4,074 |
Net charge-offs to loans | 0.5862% | 1,071 |
Credit loss provision to net charge-offs | 81.3263% | 2,817 |
Earnings coverage of net charge-offs (x) | 2.3470% | 4,053 |
Efficiency ratio | 76.7815% | 2,599 |
Assets per employee ($millions) | 6.8498% | 799 |
Cash dividends to net income (ytd only)* | 25.3220% | 2,876 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6339% | 2,873 |
Loan loss allowance to noncurrent loans | 91.7426% | 3,690 |
Noncurrent assets plus other real estate owned to assets | 1.5778% | 2,568 |
Noncurrent loans to loans | 1.7809% | 2,525 |
Net loans and leases to total assets | 74.3987% | 1,234 |
Net loans and leases to deposits | 94.6575% | 778 |
Net loans and leases to core deposits | 101.1229% | 1,046 |
Total domestic deposits to total assets | 78.5978% | 5,813 |
Equity capital to assets | 12.6654% | 1,496 |
Core capital (leverage) ratio | 9.7153% | 4,083 |
Tier 1 risk-based capital ratio | 11.1309% | 6,223 |
Total risk-based capital ratio | 13.0713% | 5,841 |
Memoranda: | ||
Average total assets | $167,858,463,250 | 13 |
Average earning assets | $150,066,011,500 | 14 |
Average equity | $21,307,342,250 | 10 |
Average total loans | $125,255,444,750 | 8 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5736% | 5,515 |
Cost of funding earning assets | 0.2938% | 5,877 |
Net interest margin | 3.2799% | 4,658 |
Noninterest income to average assets | 1.6819% | 578 |
Noninterest expense to average assets | 3.0182% | 2,943 |
Loan and lease loss provision to assets | 0.4237% | 712 |
Net operating income to assets | 0.8461% | 3,064 |
Return on assets (ROA) | 0.8405% | 3,254 |
Pretax return on assets | 1.1651% | 2,824 |
Return on Equity (ROE) | 6.6168% | 3,819 |
Retained earnings to average equity (ytd only) | 5.6795% | 2,625 |
Net charge-offs to loans | 0.6487% | 1,013 |
Credit loss provision to net charge-offs | 87.9335% | 2,486 |
Earnings coverage of net charge-offs (x) | 3.3091% | 3,431 |
Efficiency ratio | 65.2165% | 4,676 |
Assets per employee ($millions) | 6.8846% | 757 |
Cash dividends to net income (ytd only)* | 14.1658% | 3,196 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6908% | 2,810 |
Loan loss allowance to noncurrent loans | 96.9107% | 3,536 |
Noncurrent assets plus other real estate owned to assets | 1.5455% | 2,790 |
Noncurrent loans to loans | 1.7447% | 2,706 |
Net loans and leases to total assets | 73.9130% | 1,262 |
Net loans and leases to deposits | 95.0922% | 730 |
Net loans and leases to core deposits | 101.7592% | 959 |
Total domestic deposits to total assets | 77.7128% | 6,023 |
Equity capital to assets | 12.7275% | 1,453 |
Core capital (leverage) ratio | 9.7346% | 3,889 |
Tier 1 risk-based capital ratio | 11.5252% | 6,097 |
Total risk-based capital ratio | 13.5762% | 5,557 |
Memoranda: | ||
Average total assets | $167,969,599,670 | 13 |
Average earning assets | $150,097,045,330 | 14 |
Average equity | $21,337,223,000 | 10 |
Average total loans | $124,771,697,330 | 8 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5862% | 5,486 |
Cost of funding earning assets | 0.2984% | 5,974 |
Net interest margin | 3.2879% | 4,563 |
Noninterest income to average assets | 1.7013% | 543 |
Noninterest expense to average assets | 2.9508% | 3,158 |
Loan and lease loss provision to assets | 0.4853% | 554 |
Net operating income to assets | 0.8634% | 2,843 |
Return on assets (ROA) | 0.8571% | 3,002 |
Pretax return on assets | 1.1939% | 2,598 |
Return on Equity (ROE) | 6.7535% | 3,621 |
Retained earnings to average equity (ytd only) | 6.7535% | 2,281 |
Net charge-offs to loans | 0.7278% | 839 |
Credit loss provision to net charge-offs | 90.3129% | 2,021 |
Earnings coverage of net charge-offs (x) | 3.1373% | 2,833 |
Efficiency ratio | 63.4270% | 5,089 |
Assets per employee ($millions) | 6.9062% | 805 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7360% | 2,853 |
Loan loss allowance to noncurrent loans | 92.2749% | 3,570 |
Noncurrent assets plus other real estate owned to assets | 1.6270% | 2,825 |
Noncurrent loans to loans | 1.8814% | 2,757 |
Net loans and leases to total assets | 72.5929% | 1,266 |
Net loans and leases to deposits | 93.2007% | 718 |
Net loans and leases to core deposits | 99.8241% | 959 |
Total domestic deposits to total assets | 77.8292% | 6,134 |
Equity capital to assets | 12.8120% | 1,524 |
Core capital (leverage) ratio | 9.6072% | 3,910 |
Tier 1 risk-based capital ratio | 11.5302% | 6,178 |
Total risk-based capital ratio | 13.6473% | 5,593 |
Memoranda: | ||
Average total assets | $168,403,488,000 | 13 |
Average earning assets | $150,345,793,500 | 14 |
Average equity | $21,371,850,500 | 10 |
Average total loans | $124,340,417,000 | 8 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8208% | 5,770 |
Cost of funding earning assets | 0.3919% | 5,971 |
Net interest margin | 3.4289% | 4,782 |
Noninterest income to average assets | 1.5435% | 661 |
Noninterest expense to average assets | 3.2673% | 2,435 |
Loan and lease loss provision to assets | 0.8187% | 582 |
Net operating income to assets | 0.4008% | 5,099 |
Return on assets (ROA) | 0.6238% | 4,381 |
Pretax return on assets | 0.7845% | 4,348 |
Return on Equity (ROE) | 5.0835% | 4,642 |
Retained earnings to average equity (ytd only) | 5.0835% | 2,655 |
Net charge-offs to loans | 1.3355% | 717 |
Credit loss provision to net charge-offs | 83.1713% | 3,728 |
Earnings coverage of net charge-offs (x) | 1.3440% | 4,786 |
Efficiency ratio | 70.8393% | 3,648 |
Assets per employee ($millions) | 6.8248% | 846 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7417% | 2,781 |
Loan loss allowance to noncurrent loans | 91.8548% | 3,546 |
Noncurrent assets plus other real estate owned to assets | 1.6471% | 2,927 |
Noncurrent loans to loans | 1.8961% | 2,810 |
Net loans and leases to total assets | 72.5093% | 1,421 |
Net loans and leases to deposits | 91.9850% | 911 |
Net loans and leases to core deposits | 98.7307% | 1,093 |
Total domestic deposits to total assets | 78.8273% | 5,926 |
Equity capital to assets | 12.5706% | 1,653 |
Core capital (leverage) ratio | 9.2254% | 4,533 |
Tier 1 risk-based capital ratio | 11.3811% | 6,168 |
Total risk-based capital ratio | 13.5902% | 5,525 |
Memoranda: | ||
Average total assets | $170,727,439,200 | 13 |
Average earning assets | $151,710,823,800 | 13 |
Average equity | $20,950,969,800 | 11 |
Average total loans | $125,840,808,400 | 9 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8711% | 5,856 |
Cost of funding earning assets | 0.4156% | 6,022 |
Net interest margin | 3.4554% | 4,827 |
Noninterest income to average assets | 1.4057% | 758 |
Noninterest expense to average assets | 3.3053% | 2,259 |
Loan and lease loss provision to assets | 0.8294% | 558 |
Net operating income to assets | 0.2602% | 5,749 |
Return on assets (ROA) | 0.5471% | 4,896 |
Pretax return on assets | 0.7132% | 4,817 |
Return on Equity (ROE) | 4.4849% | 5,046 |
Retained earnings to average equity (ytd only) | 4.4849% | 3,740 |
Net charge-offs to loans | 1.3559% | 681 |
Credit loss provision to net charge-offs | 83.0093% | 3,532 |
Earnings coverage of net charge-offs (x) | 1.1695% | 4,715 |
Efficiency ratio | 73.5018% | 3,067 |
Assets per employee ($millions) | 6.5031% | 952 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7635% | 2,925 |
Loan loss allowance to noncurrent loans | 55.9311% | 4,853 |
Noncurrent assets plus other real estate owned to assets | 2.6444% | 1,995 |
Noncurrent loans to loans | 3.1530% | 1,756 |
Net loans and leases to total assets | 73.7884% | 1,278 |
Net loans and leases to deposits | 96.6544% | 621 |
Net loans and leases to core deposits | 103.7063% | 883 |
Total domestic deposits to total assets | 76.2656% | 6,348 |
Equity capital to assets | 12.4835% | 1,907 |
Core capital (leverage) ratio | 9.0533% | 4,984 |
Tier 1 risk-based capital ratio | 11.1470% | 6,421 |
Total risk-based capital ratio | 13.3909% | 5,835 |
Memoranda: | ||
Average total assets | $171,140,097,250 | 12 |
Average earning assets | $151,960,387,250 | 11 |
Average equity | $20,875,199,750 | 11 |
Average total loans | $126,108,628,500 | 8 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9044% | 5,903 |
Cost of funding earning assets | 0.4396% | 6,039 |
Net interest margin | 3.4648% | 4,818 |
Noninterest income to average assets | 1.6320% | 557 |
Noninterest expense to average assets | 3.1694% | 2,697 |
Loan and lease loss provision to assets | 0.7150% | 750 |
Net operating income to assets | 0.6213% | 4,272 |
Return on assets (ROA) | 0.6442% | 4,394 |
Pretax return on assets | 0.8554% | 4,253 |
Return on Equity (ROE) | 5.3218% | 4,657 |
Retained earnings to average equity (ytd only) | 5.3218% | 3,078 |
Net charge-offs to loans | 1.2258% | 881 |
Credit loss provision to net charge-offs | 79.6575% | 3,327 |
Earnings coverage of net charge-offs (x) | 1.7137% | 4,125 |
Efficiency ratio | 66.9419% | 4,330 |
Assets per employee ($millions) | 6.5368% | 935 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8019% | 2,850 |
Loan loss allowance to noncurrent loans | 49.8945% | 5,125 |
Noncurrent assets plus other real estate owned to assets | 2.9529% | 1,865 |
Noncurrent loans to loans | 3.6115% | 1,587 |
Net loans and leases to total assets | 72.8280% | 1,421 |
Net loans and leases to deposits | 96.0298% | 633 |
Net loans and leases to core deposits | 103.0435% | 914 |
Total domestic deposits to total assets | 75.8099% | 6,486 |
Equity capital to assets | 12.2373% | 1,976 |
Core capital (leverage) ratio | 8.8323% | 5,164 |
Tier 1 risk-based capital ratio | 10.9177% | 6,536 |
Total risk-based capital ratio | 13.2755% | 5,892 |
Memoranda: | ||
Average total assets | $171,869,831,330 | 11 |
Average earning assets | $152,561,722,000 | 11 |
Average equity | $20,803,293,000 | 11 |
Average total loans | $125,843,443,670 | 8 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9674% | 5,868 |
Cost of funding earning assets | 0.4513% | 6,136 |
Net interest margin | 3.5161% | 4,613 |
Noninterest income to average assets | 1.5368% | 611 |
Noninterest expense to average assets | 3.2010% | 2,595 |
Loan and lease loss provision to assets | 0.7281% | 704 |
Net operating income to assets | 0.5642% | 4,523 |
Return on assets (ROA) | 0.5909% | 4,604 |
Pretax return on assets | 0.7623% | 4,563 |
Return on Equity (ROE) | 4.9088% | 4,825 |
Retained earnings to average equity (ytd only) | 4.9088% | 3,608 |
Net charge-offs to loans | 1.3498% | 750 |
Credit loss provision to net charge-offs | 74.1517% | 2,842 |
Earnings coverage of net charge-offs (x) | 1.4815% | 3,583 |
Efficiency ratio | 68.4330% | 4,082 |
Assets per employee ($millions) | 6.4834% | 989 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8729% | 2,761 |
Loan loss allowance to noncurrent loans | 48.2601% | 5,168 |
Noncurrent assets plus other real estate owned to assets | 3.1589% | 1,831 |
Noncurrent loans to loans | 3.8808% | 1,589 |
Net loans and leases to total assets | 71.3704% | 1,506 |
Net loans and leases to deposits | 93.1434% | 721 |
Net loans and leases to core deposits | 100.0593% | 984 |
Total domestic deposits to total assets | 76.6068% | 6,470 |
Equity capital to assets | 12.0840% | 1,983 |
Core capital (leverage) ratio | 8.6852% | 5,320 |
Tier 1 risk-based capital ratio | 10.7952% | 6,623 |
Total risk-based capital ratio | 13.1840% | 6,000 |
Memoranda: | ||
Average total assets | $171,790,517,500 | 11 |
Average earning assets | $152,386,756,000 | 12 |
Average equity | $20,679,152,500 | 11 |
Average total loans | $124,973,187,000 | 8 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1772% | 6,121 |
Cost of funding earning assets | 0.5966% | 6,101 |
Net interest margin | 3.5806% | 4,805 |
Noninterest income to average assets | 1.4821% | 594 |
Noninterest expense to average assets | 3.2526% | 2,680 |
Loan and lease loss provision to assets | 0.9165% | 1,049 |
Net operating income to assets | 0.3910% | 4,908 |
Return on assets (ROA) | 0.3993% | 5,044 |
Pretax return on assets | 0.4537% | 5,117 |
Return on Equity (ROE) | 3.3011% | 5,158 |
Retained earnings to average equity (ytd only) | 3.3011% | 3,873 |
Net charge-offs to loans | 1.7078% | 893 |
Credit loss provision to net charge-offs | 74.6518% | 4,683 |
Earnings coverage of net charge-offs (x) | 1.1077% | 4,957 |
Efficiency ratio | 70.0902% | 3,940 |
Assets per employee ($millions) | 6.3247% | 1,043 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9705% | 2,369 |
Loan loss allowance to noncurrent loans | 49.7912% | 5,039 |
Noncurrent assets plus other real estate owned to assets | 3.2458% | 1,839 |
Noncurrent loans to loans | 3.9574% | 1,580 |
Net loans and leases to total assets | 71.3286% | 1,764 |
Net loans and leases to deposits | 94.1053% | 810 |
Net loans and leases to core deposits | 101.0541% | 1,088 |
Total domestic deposits to total assets | 75.7655% | 6,515 |
Equity capital to assets | 11.9906% | 2,136 |
Core capital (leverage) ratio | 8.6920% | 5,265 |
Tier 1 risk-based capital ratio | 10.6997% | 6,604 |
Total risk-based capital ratio | 13.1274% | 5,896 |
Memoranda: | ||
Average total assets | $166,176,298,000 | 12 |
Average earning assets | $145,286,118,800 | 12 |
Average equity | $20,099,715,000 | 11 |
Average total loans | $119,464,701,800 | 8 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2223% | 6,155 |
Cost of funding earning assets | 0.6243% | 6,158 |
Net interest margin | 3.5980% | 4,774 |
Noninterest income to average assets | 1.5801% | 529 |
Noninterest expense to average assets | 3.2647% | 2,620 |
Loan and lease loss provision to assets | 0.9659% | 902 |
Net operating income to assets | 0.4100% | 4,952 |
Return on assets (ROA) | 0.4086% | 5,147 |
Pretax return on assets | 0.4838% | 5,214 |
Return on Equity (ROE) | 3.3705% | 5,284 |
Retained earnings to average equity (ytd only) | 3.3705% | 4,331 |
Net charge-offs to loans | 1.7701% | 762 |
Credit loss provision to net charge-offs | 76.1471% | 4,273 |
Earnings coverage of net charge-offs (x) | 1.1433% | 4,771 |
Efficiency ratio | 68.8008% | 4,159 |
Assets per employee ($millions) | 6.0812% | 1,159 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1738% | 1,914 |
Loan loss allowance to noncurrent loans | 51.4216% | 4,921 |
Noncurrent assets plus other real estate owned to assets | 3.4322% | 1,839 |
Noncurrent loans to loans | 4.2273% | 1,550 |
Net loans and leases to total assets | 70.2499% | 2,036 |
Net loans and leases to deposits | 91.2920% | 1,073 |
Net loans and leases to core deposits | 98.2478% | 1,404 |
Total domestic deposits to total assets | 76.9188% | 6,388 |
Equity capital to assets | 12.4202% | 1,960 |
Core capital (leverage) ratio | 8.7370% | 5,354 |
Tier 1 risk-based capital ratio | 10.7534% | 6,688 |
Total risk-based capital ratio | 13.2143% | 5,901 |
Memoranda: | ||
Average total assets | $164,897,446,250 | 12 |
Average earning assets | $143,675,372,250 | 12 |
Average equity | $19,989,934,000 | 11 |
Average total loans | $118,171,911,000 | 8 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2566% | 6,144 |
Cost of funding earning assets | 0.6456% | 6,246 |
Net interest margin | 3.6110% | 4,680 |
Noninterest income to average assets | 1.4878% | 582 |
Noninterest expense to average assets | 3.2148% | 2,848 |
Loan and lease loss provision to assets | 1.0297% | 836 |
Net operating income to assets | 0.3430% | 5,204 |
Return on assets (ROA) | 0.3431% | 5,336 |
Pretax return on assets | 0.3799% | 5,456 |
Return on Equity (ROE) | 2.8539% | 5,459 |
Retained earnings to average equity (ytd only) | 2.8539% | 4,467 |
Net charge-offs to loans | 1.8290% | 757 |
Credit loss provision to net charge-offs | 78.6173% | 3,817 |
Earnings coverage of net charge-offs (x) | 1.0756% | 4,484 |
Efficiency ratio | 69.0757% | 4,313 |
Assets per employee ($millions) | 6.1080% | 1,129 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3470% | 1,668 |
Loan loss allowance to noncurrent loans | 52.2911% | 4,884 |
Noncurrent assets plus other real estate owned to assets | 3.5704% | 1,833 |
Noncurrent loans to loans | 4.4883% | 1,481 |
Net loans and leases to total assets | 68.8327% | 2,448 |
Net loans and leases to deposits | 88.4481% | 1,434 |
Net loans and leases to core deposits | 97.2051% | 1,560 |
Total domestic deposits to total assets | 76.4630% | 6,527 |
Equity capital to assets | 12.1272% | 2,013 |
Core capital (leverage) ratio | 8.6557% | 5,295 |
Tier 1 risk-based capital ratio | 10.6658% | 6,731 |
Total risk-based capital ratio | 13.2263% | 5,776 |
Memoranda: | ||
Average total assets | $164,367,913,000 | 12 |
Average earning assets | $142,744,572,000 | 11 |
Average equity | $19,760,620,330 | 12 |
Average total loans | $117,710,856,330 | 9 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2822% | 6,060 |
Cost of funding earning assets | 0.6800% | 6,248 |
Net interest margin | 3.6022% | 4,559 |
Noninterest income to average assets | 1.3976% | 666 |
Noninterest expense to average assets | 3.1482% | 3,075 |
Loan and lease loss provision to assets | 1.1031% | 662 |
Net operating income to assets | 0.2973% | 5,423 |
Return on assets (ROA) | 0.2315% | 5,740 |
Pretax return on assets | 0.2037% | 5,934 |
Return on Equity (ROE) | 1.9343% | 5,812 |
Retained earnings to average equity (ytd only) | 1.9343% | 4,965 |
Net charge-offs to loans | 1.9343% | 662 |
Credit loss provision to net charge-offs | 78.9986% | 3,181 |
Earnings coverage of net charge-offs (x) | 0.9829% | 3,921 |
Efficiency ratio | 69.1955% | 4,436 |
Assets per employee ($millions) | 6.1118% | 1,132 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4413% | 1,549 |
Loan loss allowance to noncurrent loans | 50.2720% | 4,996 |
Noncurrent assets plus other real estate owned to assets | 3.8905% | 1,719 |
Noncurrent loans to loans | 4.8562% | 1,399 |
Net loans and leases to total assets | 69.1856% | 2,289 |
Net loans and leases to deposits | 88.9255% | 1,358 |
Net loans and leases to core deposits | 99.5587% | 1,375 |
Total domestic deposits to total assets | 75.2742% | 6,759 |
Equity capital to assets | 11.9513% | 1,947 |
Core capital (leverage) ratio | 8.4979% | 5,459 |
Tier 1 risk-based capital ratio | 10.4821% | 6,816 |
Total risk-based capital ratio | 13.0531% | 5,856 |
Memoranda: | ||
Average total assets | $163,651,579,000 | 11 |
Average earning assets | $141,886,171,500 | 11 |
Average equity | $19,587,482,000 | 12 |
Average total loans | $118,132,356,500 | 9 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4017% | 6,617 |
Cost of funding earning assets | 0.8761% | 6,262 |
Net interest margin | 3.5256% | 5,135 |
Noninterest income to average assets | 1.6184% | 559 |
Noninterest expense to average assets | 3.2073% | 3,061 |
Loan and lease loss provision to assets | 1.6656% | 857 |
Net operating income to assets | -0.0343% | 5,903 |
Return on assets (ROA) | 0.0205% | 5,909 |
Pretax return on assets | -0.1358% | 6,030 |
Return on Equity (ROE) | 0.1761% | 5,911 |
Retained earnings to average equity (ytd only) | 0.1761% | 5,487 |
Net charge-offs to loans | 2.4215% | 778 |
Credit loss provision to net charge-offs | 94.8525% | 4,899 |
Earnings coverage of net charge-offs (x) | 0.8204% | 5,309 |
Efficiency ratio | 68.4562% | 4,463 |
Assets per employee ($millions) | 6.0300% | 1,193 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4900% | 1,421 |
Loan loss allowance to noncurrent loans | 52.3870% | 4,873 |
Noncurrent assets plus other real estate owned to assets | 3.9901% | 1,705 |
Noncurrent loans to loans | 4.7531% | 1,456 |
Net loans and leases to total assets | 71.6421% | 2,171 |
Net loans and leases to deposits | 92.3186% | 1,231 |
Net loans and leases to core deposits | 103.4852% | 1,351 |
Total domestic deposits to total assets | 75.3726% | 6,715 |
Equity capital to assets | 11.9869% | 1,925 |
Core capital (leverage) ratio | 8.3327% | 5,640 |
Tier 1 risk-based capital ratio | 10.0464% | 6,963 |
Total risk-based capital ratio | 12.5762% | 6,060 |
Memoranda: | ||
Average total assets | $162,581,911,000 | 10 |
Average earning assets | $139,708,983,200 | 10 |
Average equity | $18,950,332,800 | 12 |
Average total loans | $117,899,828,000 | 9 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4048% | 6,810 |
Cost of funding earning assets | 0.9176% | 6,320 |
Net interest margin | 3.4872% | 5,347 |
Noninterest income to average assets | 1.6180% | 537 |
Noninterest expense to average assets | 3.1854% | 2,980 |
Loan and lease loss provision to assets | 1.8028% | 694 |
Net operating income to assets | -0.1253% | 6,212 |
Return on assets (ROA) | -0.0807% | 6,256 |
Pretax return on assets | -0.3055% | 6,410 |
Return on Equity (ROE) | -0.6972% | 6,249 |
Retained earnings to average equity (ytd only) | -0.6972% | 5,964 |
Net charge-offs to loans | 2.5339% | 661 |
Credit loss provision to net charge-offs | 98.4344% | 4,429 |
Earnings coverage of net charge-offs (x) | 0.7776% | 5,283 |
Efficiency ratio | 68.5233% | 4,369 |
Assets per employee ($millions) | 6.2120% | 1,111 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6117% | 1,192 |
Loan loss allowance to noncurrent loans | 52.4780% | 4,795 |
Noncurrent assets plus other real estate owned to assets | 4.0857% | 1,696 |
Noncurrent loans to loans | 4.9767% | 1,394 |
Net loans and leases to total assets | 69.9084% | 2,751 |
Net loans and leases to deposits | 93.1978% | 1,303 |
Net loans and leases to core deposits | 104.1561% | 1,470 |
Total domestic deposits to total assets | 72.9664% | 7,034 |
Equity capital to assets | 11.9988% | 2,161 |
Core capital (leverage) ratio | 8.3955% | 5,705 |
Tier 1 risk-based capital ratio | 9.9736% | 7,083 |
Total risk-based capital ratio | 12.6216% | 6,021 |
Memoranda: | ||
Average total assets | $162,599,996,750 | 10 |
Average earning assets | $139,490,060,250 | 10 |
Average equity | $18,817,932,000 | 12 |
Average total loans | $117,525,216,500 | 8 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3788% | 6,941 |
Cost of funding earning assets | 0.9455% | 6,397 |
Net interest margin | 3.4333% | 5,503 |
Noninterest income to average assets | 1.5019% | 569 |
Noninterest expense to average assets | 3.1233% | 3,208 |
Loan and lease loss provision to assets | 1.9497% | 629 |
Net operating income to assets | -0.2799% | 6,454 |
Return on assets (ROA) | -0.2629% | 6,474 |
Pretax return on assets | -0.5956% | 6,654 |
Return on Equity (ROE) | -2.3000% | 6,447 |
Retained earnings to average equity (ytd only) | -2.3000% | 6,194 |
Net charge-offs to loans | 2.6310% | 631 |
Credit loss provision to net charge-offs | 102.2902% | 3,991 |
Earnings coverage of net charge-offs (x) | 0.6946% | 5,051 |
Efficiency ratio | 69.6244% | 4,258 |
Assets per employee ($millions) | 6.1373% | 1,135 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7203% | 1,069 |
Loan loss allowance to noncurrent loans | 51.9441% | 4,845 |
Noncurrent assets plus other real estate owned to assets | 4.2933% | 1,555 |
Noncurrent loans to loans | 5.2370% | 1,296 |
Net loans and leases to total assets | 70.2928% | 2,841 |
Net loans and leases to deposits | 92.8015% | 1,419 |
Net loans and leases to core deposits | 103.5108% | 1,684 |
Total domestic deposits to total assets | 74.0199% | 6,966 |
Equity capital to assets | 12.1179% | 2,030 |
Core capital (leverage) ratio | 8.3116% | 5,744 |
Tier 1 risk-based capital ratio | 9.8814% | 7,091 |
Total risk-based capital ratio | 13.1266% | 5,390 |
Memoranda: | ||
Average total assets | $161,947,718,670 | 10 |
Average earning assets | $138,937,409,000 | 10 |
Average equity | $18,508,983,330 | 12 |
Average total loans | $117,325,577,330 | 8 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3707% | 7,043 |
Cost of funding earning assets | 0.9523% | 6,569 |
Net interest margin | 3.4184% | 5,508 |
Noninterest income to average assets | 1.2912% | 724 |
Noninterest expense to average assets | 3.0192% | 3,606 |
Loan and lease loss provision to assets | 2.1539% | 505 |
Net operating income to assets | -0.4555% | 6,805 |
Return on assets (ROA) | -0.4572% | 6,836 |
Pretax return on assets | -0.9424% | 7,023 |
Return on Equity (ROE) | -4.1234% | 6,829 |
Retained earnings to average equity (ytd only) | -4.1234% | 6,511 |
Net charge-offs to loans | 2.7817% | 574 |
Credit loss provision to net charge-offs | 106.7429% | 3,219 |
Earnings coverage of net charge-offs (x) | 0.6000% | 4,486 |
Efficiency ratio | 70.7435% | 4,170 |
Assets per employee ($millions) | 6.1537% | 1,169 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7016% | 1,084 |
Loan loss allowance to noncurrent loans | 46.5634% | 5,238 |
Noncurrent assets plus other real estate owned to assets | 4.7123% | 1,407 |
Noncurrent loans to loans | 5.8019% | 1,157 |
Net loans and leases to total assets | 71.0287% | 2,690 |
Net loans and leases to deposits | 93.6623% | 1,389 |
Net loans and leases to core deposits | 104.7805% | 1,675 |
Total domestic deposits to total assets | 73.7527% | 7,078 |
Equity capital to assets | 11.2395% | 2,544 |
Core capital (leverage) ratio | 7.6463% | 6,682 |
Tier 1 risk-based capital ratio | 8.8709% | 7,501 |
Total risk-based capital ratio | 12.1942% | 6,189 |
Memoranda: | ||
Average total assets | $162,667,121,500 | 9 |
Average earning assets | $139,839,051,500 | 8 |
Average equity | $18,038,353,500 | 12 |
Average total loans | $117,997,759,500 | 8 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4919% | 7,389 |
Cost of funding earning assets | 1.3323% | 6,203 |
Net interest margin | 3.1596% | 6,205 |
Noninterest income to average assets | 1.7101% | 494 |
Noninterest expense to average assets | 3.5409% | 2,290 |
Loan and lease loss provision to assets | 2.3295% | 872 |
Net operating income to assets | -0.9358% | 6,529 |
Return on assets (ROA) | -0.9091% | 6,516 |
Pretax return on assets | -1.4145% | 6,651 |
Return on Equity (ROE) | -8.4066% | 6,502 |
Retained earnings to average equity (ytd only) | -8.4066% | 6,386 |
Net charge-offs to loans | 2.5593% | 895 |
Credit loss provision to net charge-offs | 123.7527% | 4,255 |
Earnings coverage of net charge-offs (x) | 0.4619% | 5,648 |
Efficiency ratio | 69.7802% | 4,671 |
Assets per employee ($millions) | 6.3452% | 1,051 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6328% | 1,091 |
Loan loss allowance to noncurrent loans | 45.1933% | 5,386 |
Noncurrent assets plus other real estate owned to assets | 4.6544% | 1,373 |
Noncurrent loans to loans | 5.8256% | 1,083 |
Net loans and leases to total assets | 70.1894% | 3,209 |
Net loans and leases to deposits | 92.4125% | 1,830 |
Net loans and leases to core deposits | 109.4784% | 2,954 |
Total domestic deposits to total assets | 73.4480% | 7,096 |
Equity capital to assets | 10.9418% | 2,745 |
Core capital (leverage) ratio | 7.5076% | 6,783 |
Tier 1 risk-based capital ratio | 8.7614% | 7,548 |
Total risk-based capital ratio | 11.9839% | 6,151 |
Memoranda: | ||
Average total assets | $171,997,451,400 | 8 |
Average earning assets | $146,991,506,600 | 8 |
Average equity | $18,601,042,800 | 13 |
Average total loans | $126,506,948,600 | 8 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4935% | 7,510 |
Cost of funding earning assets | 1.4126% | 6,177 |
Net interest margin | 3.0809% | 6,364 |
Noninterest income to average assets | 1.8842% | 419 |
Noninterest expense to average assets | 3.6479% | 1,927 |
Loan and lease loss provision to assets | 2.3691% | 715 |
Net operating income to assets | -1.0041% | 6,835 |
Return on assets (ROA) | -1.0023% | 6,842 |
Pretax return on assets | -1.4977% | 6,962 |
Return on Equity (ROE) | -9.2934% | 6,837 |
Retained earnings to average equity (ytd only) | -9.2934% | 6,737 |
Net charge-offs to loans | 2.5077% | 732 |
Credit loss provision to net charge-offs | 127.8466% | 3,925 |
Earnings coverage of net charge-offs (x) | 0.4669% | 5,565 |
Efficiency ratio | 67.4579% | 5,080 |
Assets per employee ($millions) | 6.4146% | 1,025 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4957% | 1,064 |
Loan loss allowance to noncurrent loans | 43.4861% | 5,416 |
Noncurrent assets plus other real estate owned to assets | 4.5838% | 1,326 |
Noncurrent loans to loans | 5.7392% | 1,066 |
Net loans and leases to total assets | 71.0757% | 3,252 |
Net loans and leases to deposits | 93.9350% | 1,890 |
Net loans and leases to core deposits | 116.7176% | 2,549 |
Total domestic deposits to total assets | 71.4699% | 7,283 |
Equity capital to assets | 11.0313% | 2,981 |
Core capital (leverage) ratio | 7.5527% | 6,915 |
Tier 1 risk-based capital ratio | 8.5407% | 7,727 |
Total risk-based capital ratio | 11.6804% | 6,492 |
Memoranda: | ||
Average total assets | $173,911,603,250 | 7 |
Average earning assets | $148,395,879,500 | 7 |
Average equity | $18,755,826,500 | 12 |
Average total loans | $128,516,459,000 | 7 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4663% | 7,651 |
Cost of funding earning assets | 1.4861% | 6,194 |
Net interest margin | 2.9802% | 6,609 |
Noninterest income to average assets | 2.2013% | 324 |
Noninterest expense to average assets | 3.8999% | 1,484 |
Loan and lease loss provision to assets | 2.2168% | 722 |
Net operating income to assets | -1.0430% | 7,018 |
Return on assets (ROA) | -1.0755% | 7,034 |
Pretax return on assets | -1.4073% | 7,039 |
Return on Equity (ROE) | -10.0450% | 7,041 |
Retained earnings to average equity (ytd only) | -10.0450% | 6,883 |
Net charge-offs to loans | 2.1544% | 858 |
Credit loss provision to net charge-offs | 138.6572% | 3,371 |
Earnings coverage of net charge-offs (x) | 0.5316% | 5,177 |
Efficiency ratio | 63.5930% | 5,985 |
Assets per employee ($millions) | 6.4496% | 985 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2127% | 1,222 |
Loan loss allowance to noncurrent loans | 41.8776% | 5,560 |
Noncurrent assets plus other real estate owned to assets | 4.4565% | 1,263 |
Noncurrent loans to loans | 5.2837% | 1,126 |
Net loans and leases to total assets | 75.2081% | 2,392 |
Net loans and leases to deposits | 103.0110% | 987 |
Net loans and leases to core deposits | 126.9079% | 1,790 |
Total domestic deposits to total assets | 69.6676% | 7,504 |
Equity capital to assets | 10.8210% | 3,088 |
Core capital (leverage) ratio | 7.5143% | 6,991 |
Tier 1 risk-based capital ratio | 8.3478% | 7,870 |
Total risk-based capital ratio | 11.2637% | 6,836 |
Memoranda: | ||
Average total assets | $176,491,801,330 | 7 |
Average earning assets | $150,925,393,330 | 7 |
Average equity | $18,897,475,330 | 10 |
Average total loans | $130,978,496,000 | 7 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4583% | 7,753 |
Cost of funding earning assets | 1.5539% | 6,220 |
Net interest margin | 2.9044% | 6,732 |
Noninterest income to average assets | 2.2843% | 288 |
Noninterest expense to average assets | 4.5497% | 679 |
Loan and lease loss provision to assets | 2.2132% | 531 |
Net operating income to assets | -1.7318% | 7,581 |
Return on assets (ROA) | -1.7427% | 7,590 |
Pretax return on assets | -2.0204% | 7,541 |
Return on Equity (ROE) | -16.3585% | 7,652 |
Retained earnings to average equity (ytd only) | -16.3585% | 7,505 |
Net charge-offs to loans | 1.8618% | 778 |
Credit loss provision to net charge-offs | 162.9859% | 2,610 |
Earnings coverage of net charge-offs (x) | 0.1505% | 4,854 |
Efficiency ratio | 59.8923% | 6,421 |
Assets per employee ($millions) | 6.4396% | 988 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0867% | 1,259 |
Loan loss allowance to noncurrent loans | 45.7113% | 5,465 |
Noncurrent assets plus other real estate owned to assets | 3.8163% | 1,380 |
Noncurrent loans to loans | 4.5650% | 1,251 |
Net loans and leases to total assets | 73.6307% | 2,859 |
Net loans and leases to deposits | 102.3651% | 1,140 |
Net loans and leases to core deposits | 130.2760% | 1,642 |
Total domestic deposits to total assets | 68.2993% | 7,575 |
Equity capital to assets | 10.7780% | 3,208 |
Core capital (leverage) ratio | 7.4200% | 7,254 |
Tier 1 risk-based capital ratio | 8.0772% | 8,003 |
Total risk-based capital ratio | 11.0405% | 7,058 |
Memoranda: | ||
Average total assets | $179,667,726,500 | 8 |
Average earning assets | $152,781,844,500 | 7 |
Average equity | $19,140,815,500 | 10 |
Average total loans | $131,040,569,500 | 7 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3900% | 7,474 |
Cost of funding earning assets | 2.2292% | 5,462 |
Net interest margin | 3.1609% | 6,489 |
Noninterest income to average assets | 1.6645% | 499 |
Noninterest expense to average assets | 3.0108% | 4,049 |
Loan and lease loss provision to assets | 1.4024% | 989 |
Net operating income to assets | -0.0187% | 6,400 |
Return on assets (ROA) | 0.5530% | 4,367 |
Pretax return on assets | 0.5869% | 4,731 |
Return on Equity (ROE) | 4.9363% | 4,417 |
Retained earnings to average equity (ytd only) | 0.0796% | 5,187 |
Net charge-offs to loans | 1.1834% | 1,022 |
Credit loss provision to net charge-offs | 158.1845% | 3,283 |
Earnings coverage of net charge-offs (x) | 1.5578% | 5,319 |
Efficiency ratio | 67.7386% | 4,769 |
Assets per employee ($millions) | 6.8570% | 753 |
Cash dividends to net income (ytd only)* | 98.3878% | 1,039 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7931% | 1,651 |
Loan loss allowance to noncurrent loans | 47.2725% | 5,655 |
Noncurrent assets plus other real estate owned to assets | 2.9978% | 1,533 |
Noncurrent loans to loans | 3.7932% | 1,312 |
Net loans and leases to total assets | 69.5333% | 4,131 |
Net loans and leases to deposits | 107.1504% | 1,029 |
Net loans and leases to core deposits | 138.8485% | 1,324 |
Total domestic deposits to total assets | 61.2845% | 7,915 |
Equity capital to assets | 10.5362% | 3,456 |
Core capital (leverage) ratio | 7.6042% | 7,071 |
Tier 1 risk-based capital ratio | 7.8808% | 8,101 |
Total risk-based capital ratio | 10.8704% | 7,069 |
Memoranda: | ||
Average total assets | $176,430,171,000 | 8 |
Average earning assets | $152,234,910,800 | 7 |
Average equity | $19,766,570,800 | 10 |
Average total loans | $132,168,708,200 | 7 |