Home > Susquehanna Bank > Performance and Condition Ratios
Susquehanna Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8575% | 3,837 |
| Cost of funding earning assets | 0.5419% | 1,889 |
| Net interest margin | 3.3156% | 4,238 |
| Noninterest income to average assets | 0.5908% | 2,790 |
| Noninterest expense to average assets | 2.3127% | 4,814 |
| Loan and lease loss provision to assets | 0.1187% | 1,864 |
| Net operating income to assets | 0.7412% | 3,680 |
| Return on assets (ROA) | 0.7415% | 3,783 |
| Pretax return on assets | 1.0470% | 3,389 |
| Return on Equity (ROE) | 5.0025% | 4,615 |
| Retained earnings to average equity (ytd only) | 1.1618% | 5,103 |
| Net charge-offs to loans | 0.1876% | 1,333 |
| Credit loss provision to net charge-offs | 86.8799% | 2,248 |
| Earnings coverage of net charge-offs (x) | 8.5284% | 2,553 |
| Efficiency ratio | 65.4203% | 4,110 |
| Assets per employee ($millions) | 8.3360% | 459 |
| Cash dividends to net income (ytd only)* | 76.7753% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 4,876 |
| Loan loss allowance to noncurrent loans | 146.2875% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 3,761 |
| Noncurrent loans to loans | 0.6837% | 3,440 |
| Net loans and leases to total assets | 72.0720% | 1,968 |
| Net loans and leases to deposits | 92.4083% | 1,328 |
| Net loans and leases to core deposits | 97.6011% | 1,679 |
| Total domestic deposits to total assets | 77.9930% | 5,287 |
| Equity capital to assets | 14.8360% | 733 |
| Core capital (leverage) ratio | 9.0859% | 4,843 |
| Tier 1 risk-based capital ratio | 11.0107% | 5,704 |
| Total risk-based capital ratio | 12.1289% | 5,691 |
| Memoranda: | ||
| Average total assets | $18,531,741,670 | 78 |
| Average earning assets | $16,136,833,330 | 82 |
| Average equity | $2,746,888,670 | 66 |
| Average total loans | $13,496,776,330 | 73 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8886% | 3,668 |
| Cost of funding earning assets | 0.5597% | 1,756 |
| Net interest margin | 3.3289% | 4,098 |
| Noninterest income to average assets | 0.5851% | 2,735 |
| Noninterest expense to average assets | 2.3353% | 4,786 |
| Loan and lease loss provision to assets | 0.1251% | 1,659 |
| Net operating income to assets | 0.7046% | 3,774 |
| Return on assets (ROA) | 0.7046% | 3,899 |
| Pretax return on assets | 1.0210% | 3,418 |
| Return on Equity (ROE) | 4.7555% | 4,636 |
| Retained earnings to average equity (ytd only) | 0.9140% | 5,099 |
| Net charge-offs to loans | 0.2248% | 1,043 |
| Credit loss provision to net charge-offs | 76.4233% | 1,865 |
| Earnings coverage of net charge-offs (x) | 7.0001% | 2,221 |
| Efficiency ratio | 65.9768% | 4,161 |
| Assets per employee ($millions) | 8.0657% | 528 |
| Cash dividends to net income (ytd only)* | 80.7810% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 5,034 |
| Loan loss allowance to noncurrent loans | 145.1270% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 3,822 |
| Noncurrent loans to loans | 0.6883% | 3,554 |
| Net loans and leases to total assets | 71.9493% | 1,810 |
| Net loans and leases to deposits | 95.7132% | 849 |
| Net loans and leases to core deposits | 100.0253% | 1,315 |
| Total domestic deposits to total assets | 75.1718% | 5,814 |
| Equity capital to assets | 14.8418% | 745 |
| Core capital (leverage) ratio | 8.9379% | 5,028 |
| Tier 1 risk-based capital ratio | 10.7926% | 5,900 |
| Total risk-based capital ratio | 11.9038% | 5,886 |
| Memoranda: | ||
| Average total assets | $18,536,261,500 | 78 |
| Average earning assets | $16,128,169,500 | 80 |
| Average equity | $2,746,317,500 | 63 |
| Average total loans | $13,502,896,500 | 73 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0740% | 3,424 |
| Cost of funding earning assets | 0.5534% | 2,181 |
| Net interest margin | 3.5205% | 3,716 |
| Noninterest income to average assets | 0.6048% | 2,827 |
| Noninterest expense to average assets | 2.3677% | 4,928 |
| Loan and lease loss provision to assets | 0.1371% | 1,920 |
| Net operating income to assets | 0.7989% | 3,380 |
| Return on assets (ROA) | 0.8113% | 3,402 |
| Pretax return on assets | 1.1683% | 2,788 |
| Return on Equity (ROE) | 5.4465% | 4,433 |
| Retained earnings to average equity (ytd only) | 0.1336% | 5,714 |
| Net charge-offs to loans | 0.3415% | 1,282 |
| Credit loss provision to net charge-offs | 54.4441% | 3,392 |
| Earnings coverage of net charge-offs (x) | 5.1140% | 3,494 |
| Efficiency ratio | 63.5190% | 4,667 |
| Assets per employee ($millions) | 7.8347% | 568 |
| Cash dividends to net income (ytd only)* | 97.5469% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 4,993 |
| Loan loss allowance to noncurrent loans | 128.5699% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 3,695 |
| Noncurrent loans to loans | 0.7855% | 3,340 |
| Net loans and leases to total assets | 72.2794% | 1,861 |
| Net loans and leases to deposits | 97.1400% | 821 |
| Net loans and leases to core deposits | 102.3905% | 1,219 |
| Total domestic deposits to total assets | 74.4074% | 5,909 |
| Equity capital to assets | 14.7900% | 739 |
| Core capital (leverage) ratio | 9.0271% | 4,951 |
| Tier 1 risk-based capital ratio | 11.2015% | 5,817 |
| Total risk-based capital ratio | 12.3595% | 5,808 |
| Memoranda: | ||
| Average total assets | $18,385,974,600 | 74 |
| Average earning assets | $15,930,842,800 | 76 |
| Average equity | $2,738,617,400 | 58 |
| Average total loans | $13,552,392,800 | 66 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0938% | 3,407 |
| Cost of funding earning assets | 0.5456% | 2,336 |
| Net interest margin | 3.5483% | 3,635 |
| Noninterest income to average assets | 0.5774% | 3,014 |
| Noninterest expense to average assets | 2.3773% | 4,890 |
| Loan and lease loss provision to assets | 0.1308% | 1,917 |
| Net operating income to assets | 0.8500% | 3,178 |
| Return on assets (ROA) | 0.8677% | 3,170 |
| Pretax return on assets | 1.1651% | 2,928 |
| Return on Equity (ROE) | 5.8151% | 4,330 |
| Retained earnings to average equity (ytd only) | 1.9630% | 5,077 |
| Net charge-offs to loans | 0.3809% | 1,047 |
| Credit loss provision to net charge-offs | 46.4660% | 3,168 |
| Earnings coverage of net charge-offs (x) | 4.5198% | 3,438 |
| Efficiency ratio | 63.8604% | 4,572 |
| Assets per employee ($millions) | 7.6933% | 586 |
| Cash dividends to net income (ytd only)* | 66.2422% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 5,123 |
| Loan loss allowance to noncurrent loans | 114.2402% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 3,704 |
| Noncurrent loans to loans | 0.8924% | 3,336 |
| Net loans and leases to total assets | 72.3340% | 1,792 |
| Net loans and leases to deposits | 97.4768% | 766 |
| Net loans and leases to core deposits | 103.3086% | 1,134 |
| Total domestic deposits to total assets | 74.2063% | 6,001 |
| Equity capital to assets | 15.0636% | 723 |
| Core capital (leverage) ratio | 9.3426% | 4,579 |
| Tier 1 risk-based capital ratio | 11.5676% | 5,758 |
| Total risk-based capital ratio | 12.7369% | 5,730 |
| Memoranda: | ||
| Average total assets | $18,354,131,000 | 74 |
| Average earning assets | $15,889,576,250 | 76 |
| Average equity | $2,738,742,500 | 60 |
| Average total loans | $13,561,025,750 | 63 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 3,252 |
| Cost of funding earning assets | 0.5385% | 2,449 |
| Net interest margin | 3.5836% | 3,432 |
| Noninterest income to average assets | 0.5624% | 3,032 |
| Noninterest expense to average assets | 2.3462% | 5,036 |
| Loan and lease loss provision to assets | 0.0981% | 2,391 |
| Net operating income to assets | 0.9041% | 2,781 |
| Return on assets (ROA) | 0.9310% | 2,749 |
| Pretax return on assets | 1.2475% | 2,464 |
| Return on Equity (ROE) | 6.2594% | 4,020 |
| Retained earnings to average equity (ytd only) | 2.3938% | 4,683 |
| Net charge-offs to loans | 0.3252% | 1,253 |
| Credit loss provision to net charge-offs | 40.6780% | 2,915 |
| Earnings coverage of net charge-offs (x) | 5.4307% | 2,931 |
| Efficiency ratio | 62.8505% | 4,885 |
| Assets per employee ($millions) | 7.4553% | 644 |
| Cash dividends to net income (ytd only)* | 61.7573% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 5,084 |
| Loan loss allowance to noncurrent loans | 125.8574% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 3,932 |
| Noncurrent loans to loans | 0.8400% | 3,610 |
| Net loans and leases to total assets | 73.8227% | 1,466 |
| Net loans and leases to deposits | 101.3846% | 487 |
| Net loans and leases to core deposits | 109.4723% | 714 |
| Total domestic deposits to total assets | 72.8145% | 6,199 |
| Equity capital to assets | 15.0494% | 689 |
| Core capital (leverage) ratio | 9.2607% | 4,648 |
| Tier 1 risk-based capital ratio | 11.3133% | 5,897 |
| Total risk-based capital ratio | 12.5178% | 5,866 |
| Memoranda: | ||
| Average total assets | $18,348,345,330 | 72 |
| Average earning assets | $15,838,697,000 | 74 |
| Average equity | $2,729,188,330 | 59 |
| Average total loans | $13,606,134,670 | 62 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 3,104 |
| Cost of funding earning assets | 0.5315% | 2,589 |
| Net interest margin | 3.6137% | 3,196 |
| Noninterest income to average assets | 0.5430% | 3,096 |
| Noninterest expense to average assets | 2.3328% | 5,120 |
| Loan and lease loss provision to assets | 0.1307% | 1,859 |
| Net operating income to assets | 0.8895% | 2,703 |
| Return on assets (ROA) | 0.8895% | 2,768 |
| Pretax return on assets | 1.1962% | 2,498 |
| Return on Equity (ROE) | 6.0156% | 4,013 |
| Retained earnings to average equity (ytd only) | 2.1303% | 4,750 |
| Net charge-offs to loans | 0.2787% | 1,228 |
| Credit loss provision to net charge-offs | 63.4384% | 2,075 |
| Earnings coverage of net charge-offs (x) | 6.4406% | 2,222 |
| Efficiency ratio | 62.3775% | 5,074 |
| Assets per employee ($millions) | 7.4365% | 651 |
| Cash dividends to net income (ytd only)* | 64.5860% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 4,956 |
| Loan loss allowance to noncurrent loans | 130.9285% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 3,979 |
| Noncurrent loans to loans | 0.8673% | 3,724 |
| Net loans and leases to total assets | 73.1558% | 1,404 |
| Net loans and leases to deposits | 102.3310% | 356 |
| Net loans and leases to core deposits | 109.6019% | 597 |
| Total domestic deposits to total assets | 71.4894% | 6,387 |
| Equity capital to assets | 14.8751% | 701 |
| Core capital (leverage) ratio | 9.1027% | 4,866 |
| Tier 1 risk-based capital ratio | 11.1505% | 6,097 |
| Total risk-based capital ratio | 12.4212% | 6,036 |
| Memoranda: | ||
| Average total assets | $18,363,663,500 | 73 |
| Average earning assets | $15,838,236,000 | 73 |
| Average equity | $2,715,428,000 | 59 |
| Average total loans | $13,575,646,000 | 62 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 2,593 |
| Cost of funding earning assets | 0.5724% | 2,902 |
| Net interest margin | 3.8267% | 2,546 |
| Noninterest income to average assets | 0.6954% | 2,569 |
| Noninterest expense to average assets | 2.3878% | 5,106 |
| Loan and lease loss provision to assets | 0.1710% | 2,146 |
| Net operating income to assets | 1.0302% | 2,200 |
| Return on assets (ROA) | 1.0247% | 2,289 |
| Pretax return on assets | 1.4159% | 1,729 |
| Return on Equity (ROE) | 6.7893% | 3,679 |
| Retained earnings to average equity (ytd only) | 0.1939% | 5,762 |
| Net charge-offs to loans | 0.4349% | 1,529 |
| Credit loss provision to net charge-offs | 53.9957% | 3,729 |
| Earnings coverage of net charge-offs (x) | 5.0358% | 3,399 |
| Efficiency ratio | 58.5116% | 5,671 |
| Assets per employee ($millions) | 7.4843% | 605 |
| Cash dividends to net income (ytd only)* | 97.1438% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 4,857 |
| Loan loss allowance to noncurrent loans | 142.5388% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 4,162 |
| Noncurrent loans to loans | 0.8145% | 3,937 |
| Net loans and leases to total assets | 73.0000% | 1,519 |
| Net loans and leases to deposits | 104.0531% | 320 |
| Net loans and leases to core deposits | 111.6141% | 552 |
| Total domestic deposits to total assets | 70.1565% | 6,517 |
| Equity capital to assets | 14.6990% | 737 |
| Core capital (leverage) ratio | 9.0185% | 4,967 |
| Tier 1 risk-based capital ratio | 10.9927% | 6,175 |
| Total risk-based capital ratio | 12.3175% | 6,081 |
| Memoranda: | ||
| Average total assets | $18,132,580,600 | 70 |
| Average earning assets | $15,574,487,600 | 71 |
| Average equity | $2,736,766,800 | 57 |
| Average total loans | $13,200,874,800 | 60 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4570% | 2,394 |
| Cost of funding earning assets | 0.5816% | 2,978 |
| Net interest margin | 3.8754% | 2,359 |
| Noninterest income to average assets | 0.6598% | 2,828 |
| Noninterest expense to average assets | 2.3225% | 5,266 |
| Loan and lease loss provision to assets | 0.2140% | 1,702 |
| Net operating income to assets | 1.0570% | 2,160 |
| Return on assets (ROA) | 1.0567% | 2,243 |
| Pretax return on assets | 1.4474% | 1,774 |
| Return on Equity (ROE) | 6.9549% | 3,673 |
| Retained earnings to average equity (ytd only) | 3.1124% | 4,458 |
| Net charge-offs to loans | 0.4708% | 1,363 |
| Credit loss provision to net charge-offs | 62.6621% | 3,233 |
| Earnings coverage of net charge-offs (x) | 4.8666% | 3,337 |
| Efficiency ratio | 56.8270% | 5,820 |
| Assets per employee ($millions) | 7.3860% | 618 |
| Cash dividends to net income (ytd only)* | 55.2495% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 4,657 |
| Loan loss allowance to noncurrent loans | 150.7186% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 4,348 |
| Noncurrent loans to loans | 0.8271% | 4,181 |
| Net loans and leases to total assets | 71.8838% | 1,616 |
| Net loans and leases to deposits | 103.6272% | 310 |
| Net loans and leases to core deposits | 112.0615% | 503 |
| Total domestic deposits to total assets | 69.3677% | 6,624 |
| Equity capital to assets | 15.0532% | 705 |
| Core capital (leverage) ratio | 9.4226% | 4,510 |
| Tier 1 risk-based capital ratio | 11.4685% | 6,075 |
| Total risk-based capital ratio | 12.8643% | 5,965 |
| Memoranda: | ||
| Average total assets | $18,070,374,000 | 69 |
| Average earning assets | $15,501,289,500 | 71 |
| Average equity | $2,745,487,500 | 56 |
| Average total loans | $13,107,083,250 | 61 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 2,125 |
| Cost of funding earning assets | 0.5949% | 2,986 |
| Net interest margin | 3.9234% | 2,136 |
| Noninterest income to average assets | 0.6886% | 2,695 |
| Noninterest expense to average assets | 2.3083% | 5,356 |
| Loan and lease loss provision to assets | 0.2671% | 1,388 |
| Net operating income to assets | 1.0764% | 2,008 |
| Return on assets (ROA) | 1.0760% | 2,124 |
| Pretax return on assets | 1.4773% | 1,683 |
| Return on Equity (ROE) | 7.0599% | 3,564 |
| Retained earnings to average equity (ytd only) | 3.2075% | 4,271 |
| Net charge-offs to loans | 0.4521% | 1,451 |
| Credit loss provision to net charge-offs | 81.5578% | 2,597 |
| Earnings coverage of net charge-offs (x) | 5.3277% | 2,915 |
| Efficiency ratio | 55.4835% | 6,022 |
| Assets per employee ($millions) | 7.2384% | 646 |
| Cash dividends to net income (ytd only)* | 54.5671% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 4,231 |
| Loan loss allowance to noncurrent loans | 159.0136% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 4,392 |
| Noncurrent loans to loans | 0.8536% | 4,213 |
| Net loans and leases to total assets | 72.0111% | 1,575 |
| Net loans and leases to deposits | 101.4734% | 356 |
| Net loans and leases to core deposits | 109.8171% | 569 |
| Total domestic deposits to total assets | 70.9655% | 6,621 |
| Equity capital to assets | 15.2197% | 671 |
| Core capital (leverage) ratio | 9.4313% | 4,346 |
| Tier 1 risk-based capital ratio | 11.5141% | 6,104 |
| Total risk-based capital ratio | 12.9469% | 5,948 |
| Memoranda: | ||
| Average total assets | $17,968,364,330 | 68 |
| Average earning assets | $15,409,555,330 | 71 |
| Average equity | $2,738,572,330 | 56 |
| Average total loans | $13,017,311,000 | 61 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 2,039 |
| Cost of funding earning assets | 0.5938% | 3,165 |
| Net interest margin | 3.9417% | 1,969 |
| Noninterest income to average assets | 0.6186% | 3,036 |
| Noninterest expense to average assets | 2.3348% | 5,323 |
| Loan and lease loss provision to assets | 0.2675% | 1,324 |
| Net operating income to assets | 0.9993% | 2,226 |
| Return on assets (ROA) | 0.9996% | 2,343 |
| Pretax return on assets | 1.3974% | 1,864 |
| Return on Equity (ROE) | 6.5537% | 3,737 |
| Retained earnings to average equity (ytd only) | 2.6981% | 4,669 |
| Net charge-offs to loans | 0.6069% | 1,004 |
| Credit loss provision to net charge-offs | 61.0905% | 2,431 |
| Earnings coverage of net charge-offs (x) | 3.8007% | 2,673 |
| Efficiency ratio | 56.8396% | 5,984 |
| Assets per employee ($millions) | 7.3085% | 667 |
| Cash dividends to net income (ytd only)* | 58.8307% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 4,435 |
| Loan loss allowance to noncurrent loans | 160.7124% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 4,481 |
| Noncurrent loans to loans | 0.8442% | 4,431 |
| Net loans and leases to total assets | 71.5858% | 1,420 |
| Net loans and leases to deposits | 100.8648% | 321 |
| Net loans and leases to core deposits | 107.5449% | 578 |
| Total domestic deposits to total assets | 70.9720% | 6,710 |
| Equity capital to assets | 15.3228% | 676 |
| Core capital (leverage) ratio | 9.3137% | 4,376 |
| Tier 1 risk-based capital ratio | 11.3665% | 6,251 |
| Total risk-based capital ratio | 12.8021% | 6,126 |
| Memoranda: | ||
| Average total assets | $17,940,686,000 | 67 |
| Average earning assets | $15,387,209,500 | 70 |
| Average equity | $2,736,276,500 | 56 |
| Average total loans | $12,947,128,500 | 62 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7779% | 2,282 |
| Cost of funding earning assets | 0.6458% | 3,949 |
| Net interest margin | 4.1321% | 1,882 |
| Noninterest income to average assets | 0.6489% | 2,994 |
| Noninterest expense to average assets | 2.3841% | 5,451 |
| Loan and lease loss provision to assets | 0.3716% | 1,762 |
| Net operating income to assets | 1.0804% | 2,006 |
| Return on assets (ROA) | 1.0873% | 2,169 |
| Pretax return on assets | 1.4372% | 1,912 |
| Return on Equity (ROE) | 7.0925% | 3,592 |
| Retained earnings to average equity (ytd only) | 0.0983% | 5,786 |
| Net charge-offs to loans | 0.5568% | 2,076 |
| Credit loss provision to net charge-offs | 94.4345% | 3,295 |
| Earnings coverage of net charge-offs (x) | 4.5737% | 3,322 |
| Efficiency ratio | 55.5150% | 6,120 |
| Assets per employee ($millions) | 7.2104% | 706 |
| Cash dividends to net income (ytd only)* | 98.6146% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 4,030 |
| Loan loss allowance to noncurrent loans | 173.6431% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7624% | 4,562 |
| Noncurrent loans to loans | 0.8219% | 4,539 |
| Net loans and leases to total assets | 70.7393% | 1,696 |
| Net loans and leases to deposits | 101.0021% | 373 |
| Net loans and leases to core deposits | 107.0176% | 652 |
| Total domestic deposits to total assets | 70.0375% | 6,781 |
| Equity capital to assets | 15.1810% | 700 |
| Core capital (leverage) ratio | 9.1778% | 4,617 |
| Tier 1 risk-based capital ratio | 11.2618% | 6,238 |
| Total risk-based capital ratio | 12.6776% | 6,119 |
| Memoranda: | ||
| Average total assets | $17,300,547,200 | 66 |
| Average earning assets | $14,800,345,200 | 70 |
| Average equity | $2,652,195,400 | 56 |
| Average total loans | $12,226,574,600 | 63 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 2,363 |
| Cost of funding earning assets | 0.6550% | 4,152 |
| Net interest margin | 4.1531% | 1,890 |
| Noninterest income to average assets | 0.6442% | 3,021 |
| Noninterest expense to average assets | 2.3884% | 5,432 |
| Loan and lease loss provision to assets | 0.3991% | 1,605 |
| Net operating income to assets | 1.0710% | 2,207 |
| Return on assets (ROA) | 1.0814% | 2,363 |
| Pretax return on assets | 1.4214% | 2,170 |
| Return on Equity (ROE) | 7.0360% | 3,790 |
| Retained earnings to average equity (ytd only) | -1.2740% | 6,305 |
| Net charge-offs to loans | 0.5772% | 1,893 |
| Credit loss provision to net charge-offs | 98.2549% | 3,046 |
| Earnings coverage of net charge-offs (x) | 4.4477% | 3,303 |
| Efficiency ratio | 55.4758% | 6,108 |
| Assets per employee ($millions) | 7.2743% | 646 |
| Cash dividends to net income (ytd only)* | 118.1070% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 4,051 |
| Loan loss allowance to noncurrent loans | 147.2809% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8904% | 4,505 |
| Noncurrent loans to loans | 1.0011% | 4,448 |
| Net loans and leases to total assets | 69.2268% | 2,064 |
| Net loans and leases to deposits | 97.9578% | 548 |
| Net loans and leases to core deposits | 105.6668% | 757 |
| Total domestic deposits to total assets | 70.6700% | 6,812 |
| Equity capital to assets | 14.9668% | 830 |
| Core capital (leverage) ratio | 9.0325% | 5,013 |
| Tier 1 risk-based capital ratio | 11.3744% | 6,312 |
| Total risk-based capital ratio | 12.8187% | 6,165 |
| Memoranda: | ||
| Average total assets | $17,133,617,250 | 68 |
| Average earning assets | $14,650,052,500 | 73 |
| Average equity | $2,633,301,500 | 58 |
| Average total loans | $12,059,557,000 | 65 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8455% | 2,323 |
| Cost of funding earning assets | 0.6680% | 4,294 |
| Net interest margin | 4.1776% | 1,817 |
| Noninterest income to average assets | 0.6133% | 3,178 |
| Noninterest expense to average assets | 2.4041% | 5,445 |
| Loan and lease loss provision to assets | 0.4159% | 1,576 |
| Net operating income to assets | 1.0497% | 2,252 |
| Return on assets (ROA) | 1.0656% | 2,411 |
| Pretax return on assets | 1.3808% | 2,282 |
| Return on Equity (ROE) | 6.8688% | 3,848 |
| Retained earnings to average equity (ytd only) | 3.5943% | 4,203 |
| Net charge-offs to loans | 0.5486% | 1,944 |
| Credit loss provision to net charge-offs | 107.6393% | 2,533 |
| Earnings coverage of net charge-offs (x) | 4.5970% | 3,039 |
| Efficiency ratio | 56.1022% | 6,104 |
| Assets per employee ($millions) | 7.3968% | 612 |
| Cash dividends to net income (ytd only)* | 47.6727% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 3,963 |
| Loan loss allowance to noncurrent loans | 137.4423% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.9794% | 4,413 |
| Noncurrent loans to loans | 1.0998% | 4,322 |
| Net loans and leases to total assets | 69.1255% | 2,082 |
| Net loans and leases to deposits | 97.5518% | 551 |
| Net loans and leases to core deposits | 106.0105% | 742 |
| Total domestic deposits to total assets | 70.8603% | 6,863 |
| Equity capital to assets | 15.3886% | 700 |
| Core capital (leverage) ratio | 9.5893% | 4,017 |
| Tier 1 risk-based capital ratio | 12.1512% | 5,831 |
| Total risk-based capital ratio | 13.5713% | 5,680 |
| Memoranda: | ||
| Average total assets | $16,831,440,000 | 70 |
| Average earning assets | $14,371,502,670 | 73 |
| Average equity | $2,611,058,000 | 58 |
| Average total loans | $11,854,240,330 | 64 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 2,800 |
| Cost of funding earning assets | 0.6997% | 4,281 |
| Net interest margin | 4.0616% | 2,249 |
| Noninterest income to average assets | 0.6307% | 3,057 |
| Noninterest expense to average assets | 2.4575% | 5,296 |
| Loan and lease loss provision to assets | 0.4669% | 1,316 |
| Net operating income to assets | 0.8900% | 2,964 |
| Return on assets (ROA) | 0.8972% | 3,152 |
| Pretax return on assets | 1.1792% | 2,993 |
| Return on Equity (ROE) | 5.7583% | 4,421 |
| Retained earnings to average equity (ytd only) | 2.3874% | 5,068 |
| Net charge-offs to loans | 0.4316% | 2,020 |
| Credit loss provision to net charge-offs | 153.3124% | 1,638 |
| Earnings coverage of net charge-offs (x) | 5.3743% | 2,390 |
| Efficiency ratio | 58.8167% | 5,799 |
| Assets per employee ($millions) | 7.1174% | 713 |
| Cash dividends to net income (ytd only)* | 58.5392% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 3,933 |
| Loan loss allowance to noncurrent loans | 135.7208% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 1.0390% | 4,415 |
| Noncurrent loans to loans | 1.1437% | 4,426 |
| Net loans and leases to total assets | 69.6346% | 1,816 |
| Net loans and leases to deposits | 97.9988% | 444 |
| Net loans and leases to core deposits | 106.0132% | 670 |
| Total domestic deposits to total assets | 71.0566% | 6,931 |
| Equity capital to assets | 15.3962% | 681 |
| Core capital (leverage) ratio | 10.3995% | 2,878 |
| Tier 1 risk-based capital ratio | 12.0150% | 5,953 |
| Total risk-based capital ratio | 13.4638% | 5,789 |
| Memoranda: | ||
| Average total assets | $16,278,543,500 | 71 |
| Average earning assets | $13,881,019,000 | 75 |
| Average equity | $2,536,438,000 | 58 |
| Average total loans | $11,486,614,000 | 66 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8976% | 3,369 |
| Cost of funding earning assets | 1.0851% | 2,769 |
| Net interest margin | 3.8125% | 3,760 |
| Noninterest income to average assets | 0.9567% | 1,486 |
| Noninterest expense to average assets | 2.7735% | 4,461 |
| Loan and lease loss provision to assets | 0.7770% | 1,281 |
| Net operating income to assets | 0.6943% | 3,517 |
| Return on assets (ROA) | 0.7038% | 3,659 |
| Pretax return on assets | 0.6700% | 4,440 |
| Return on Equity (ROE) | 4.5526% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.3013% | 3,122 |
| Net charge-offs to loans | 1.1608% | 1,461 |
| Credit loss provision to net charge-offs | 96.6430% | 3,729 |
| Earnings coverage of net charge-offs (x) | 1.7880% | 4,442 |
| Efficiency ratio | 64.6516% | 5,013 |
| Assets per employee ($millions) | 6.8809% | 781 |
| Cash dividends to net income (ytd only)* | 5.5204% | 3,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 2,877 |
| Loan loss allowance to noncurrent loans | 112.7609% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 1.4026% | 3,885 |
| Noncurrent loans to loans | 1.5942% | 3,768 |
| Net loans and leases to total assets | 69.0959% | 2,200 |
| Net loans and leases to deposits | 99.6665% | 475 |
| Net loans and leases to core deposits | 105.2705% | 831 |
| Total domestic deposits to total assets | 69.3271% | 7,018 |
| Equity capital to assets | 15.8024% | 612 |
| Core capital (leverage) ratio | 10.0392% | 3,292 |
| Tier 1 risk-based capital ratio | 12.7246% | 5,292 |
| Total risk-based capital ratio | 14.2057% | 5,085 |
| Memoranda: | ||
| Average total assets | $14,157,055,000 | 80 |
| Average earning assets | $12,084,347,600 | 82 |
| Average equity | $2,188,431,400 | 64 |
| Average total loans | $9,805,458,800 | 73 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 3,501 |
| Cost of funding earning assets | 1.1266% | 2,788 |
| Net interest margin | 3.7859% | 3,946 |
| Noninterest income to average assets | 0.7093% | 2,547 |
| Noninterest expense to average assets | 2.3814% | 5,813 |
| Loan and lease loss provision to assets | 0.8390% | 1,098 |
| Net operating income to assets | 0.6253% | 3,988 |
| Return on assets (ROA) | 0.6405% | 4,102 |
| Pretax return on assets | 0.7381% | 4,349 |
| Return on Equity (ROE) | 4.1679% | 4,928 |
| Retained earnings to average equity (ytd only) | 4.0826% | 3,821 |
| Net charge-offs to loans | 1.2293% | 1,264 |
| Credit loss provision to net charge-offs | 98.9587% | 3,451 |
| Earnings coverage of net charge-offs (x) | 1.8396% | 4,286 |
| Efficiency ratio | 59.1418% | 5,843 |
| Assets per employee ($millions) | 6.8514% | 802 |
| Cash dividends to net income (ytd only)* | 2.0469% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 2,433 |
| Loan loss allowance to noncurrent loans | 110.1488% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 1.4341% | 3,967 |
| Noncurrent loans to loans | 1.7844% | 3,658 |
| Net loans and leases to total assets | 66.8101% | 2,712 |
| Net loans and leases to deposits | 99.4246% | 494 |
| Net loans and leases to core deposits | 107.9960% | 770 |
| Total domestic deposits to total assets | 67.1968% | 7,169 |
| Equity capital to assets | 15.4018% | 744 |
| Core capital (leverage) ratio | 9.6935% | 3,859 |
| Tier 1 risk-based capital ratio | 11.9554% | 5,925 |
| Total risk-based capital ratio | 13.4508% | 5,725 |
| Memoranda: | ||
| Average total assets | $13,984,067,250 | 79 |
| Average earning assets | $11,937,342,250 | 85 |
| Average equity | $2,148,914,750 | 66 |
| Average total loans | $9,644,859,000 | 73 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9445% | 3,421 |
| Cost of funding earning assets | 1.1428% | 2,944 |
| Net interest margin | 3.8017% | 3,776 |
| Noninterest income to average assets | 0.7154% | 2,459 |
| Noninterest expense to average assets | 2.3793% | 5,906 |
| Loan and lease loss provision to assets | 0.9065% | 989 |
| Net operating income to assets | 0.5986% | 4,071 |
| Return on assets (ROA) | 0.6000% | 4,200 |
| Pretax return on assets | 0.6765% | 4,476 |
| Return on Equity (ROE) | 3.9075% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.7787% | 3,811 |
| Net charge-offs to loans | 1.3625% | 1,116 |
| Credit loss provision to net charge-offs | 96.0761% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1.6761% | 4,034 |
| Efficiency ratio | 58.7890% | 6,060 |
| Assets per employee ($millions) | 6.5587% | 905 |
| Cash dividends to net income (ytd only)* | 3.2974% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9620% | 2,475 |
| Loan loss allowance to noncurrent loans | 90.4579% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.6979% | 3,642 |
| Noncurrent loans to loans | 2.1689% | 3,261 |
| Net loans and leases to total assets | 67.2761% | 2,772 |
| Net loans and leases to deposits | 100.3606% | 480 |
| Net loans and leases to core deposits | 111.0068% | 690 |
| Total domestic deposits to total assets | 67.0344% | 7,233 |
| Equity capital to assets | 15.4339% | 711 |
| Core capital (leverage) ratio | 9.5708% | 3,853 |
| Tier 1 risk-based capital ratio | 11.7817% | 5,948 |
| Total risk-based capital ratio | 13.2767% | 5,730 |
| Memoranda: | ||
| Average total assets | $13,899,704,000 | 81 |
| Average earning assets | $11,865,231,670 | 87 |
| Average equity | $2,134,293,330 | 67 |
| Average total loans | $9,625,624,670 | 76 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9728% | 3,235 |
| Cost of funding earning assets | 1.1655% | 3,050 |
| Net interest margin | 3.8073% | 3,587 |
| Noninterest income to average assets | 0.7269% | 2,409 |
| Noninterest expense to average assets | 2.3221% | 6,132 |
| Loan and lease loss provision to assets | 1.0124% | 753 |
| Net operating income to assets | 0.5872% | 4,099 |
| Return on assets (ROA) | 0.5783% | 4,220 |
| Pretax return on assets | 0.6315% | 4,566 |
| Return on Equity (ROE) | 3.7760% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.5163% | 4,075 |
| Net charge-offs to loans | 1.3978% | 981 |
| Credit loss provision to net charge-offs | 104.1078% | 2,554 |
| Earnings coverage of net charge-offs (x) | 1.7004% | 3,462 |
| Efficiency ratio | 57.1226% | 6,366 |
| Assets per employee ($millions) | 6.6576% | 860 |
| Cash dividends to net income (ytd only)* | 6.8778% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 2,396 |
| Loan loss allowance to noncurrent loans | 86.4671% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.8174% | 3,547 |
| Noncurrent loans to loans | 2.3233% | 3,165 |
| Net loans and leases to total assets | 68.0535% | 2,541 |
| Net loans and leases to deposits | 101.3750% | 409 |
| Net loans and leases to core deposits | 110.0136% | 723 |
| Total domestic deposits to total assets | 67.1305% | 7,296 |
| Equity capital to assets | 15.4172% | 678 |
| Core capital (leverage) ratio | 9.4367% | 3,903 |
| Tier 1 risk-based capital ratio | 11.6420% | 5,989 |
| Total risk-based capital ratio | 13.1381% | 5,786 |
| Memoranda: | ||
| Average total assets | $13,828,517,000 | 81 |
| Average earning assets | $11,799,712,000 | 86 |
| Average equity | $2,117,819,500 | 67 |
| Average total loans | $9,620,428,000 | 76 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2367% | 3,425 |
| Cost of funding earning assets | 1.4052% | 3,231 |
| Net interest margin | 3.8315% | 3,814 |
| Noninterest income to average assets | 0.7006% | 2,836 |
| Noninterest expense to average assets | 2.3400% | 6,244 |
| Loan and lease loss provision to assets | 1.1883% | 1,326 |
| Net operating income to assets | 0.4085% | 4,502 |
| Return on assets (ROA) | 0.4837% | 4,332 |
| Pretax return on assets | 0.5114% | 4,582 |
| Return on Equity (ROE) | 3.2161% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.0161% | 3,738 |
| Net charge-offs to loans | 1.4682% | 1,507 |
| Credit loss provision to net charge-offs | 113.5026% | 3,834 |
| Earnings coverage of net charge-offs (x) | 1.5479% | 4,581 |
| Efficiency ratio | 57.6438% | 6,379 |
| Assets per employee ($millions) | 6.7132% | 857 |
| Cash dividends to net income (ytd only)* | 6.2168% | 3,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9893% | 2,332 |
| Loan loss allowance to noncurrent loans | 88.1126% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.7178% | 3,728 |
| Noncurrent loans to loans | 2.2577% | 3,264 |
| Net loans and leases to total assets | 68.3041% | 2,909 |
| Net loans and leases to deposits | 102.6764% | 457 |
| Net loans and leases to core deposits | 109.7011% | 936 |
| Total domestic deposits to total assets | 66.5236% | 7,374 |
| Equity capital to assets | 15.2125% | 741 |
| Core capital (leverage) ratio | 9.3139% | 3,988 |
| Tier 1 risk-based capital ratio | 11.4010% | 5,992 |
| Total risk-based capital ratio | 12.8962% | 5,780 |
| Memoranda: | ||
| Average total assets | $13,717,062,200 | 80 |
| Average earning assets | $11,670,912,400 | 88 |
| Average equity | $2,063,148,200 | 64 |
| Average total loans | $9,780,983,000 | 75 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2644% | 3,513 |
| Cost of funding earning assets | 1.4366% | 3,357 |
| Net interest margin | 3.8278% | 3,856 |
| Noninterest income to average assets | 0.6877% | 2,891 |
| Noninterest expense to average assets | 2.3602% | 6,151 |
| Loan and lease loss provision to assets | 1.2466% | 1,129 |
| Net operating income to assets | 0.3250% | 5,072 |
| Return on assets (ROA) | 0.4102% | 4,881 |
| Pretax return on assets | 0.4241% | 5,155 |
| Return on Equity (ROE) | 2.7354% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.6461% | 4,566 |
| Net charge-offs to loans | 1.4844% | 1,356 |
| Credit loss provision to net charge-offs | 117.1003% | 3,545 |
| Earnings coverage of net charge-offs (x) | 1.4868% | 4,614 |
| Efficiency ratio | 58.4103% | 6,202 |
| Assets per employee ($millions) | 6.8828% | 807 |
| Cash dividends to net income (ytd only)* | 3.2642% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9690% | 2,301 |
| Loan loss allowance to noncurrent loans | 77.7967% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.9037% | 3,609 |
| Noncurrent loans to loans | 2.5310% | 3,090 |
| Net loans and leases to total assets | 68.4720% | 3,108 |
| Net loans and leases to deposits | 103.2029% | 472 |
| Net loans and leases to core deposits | 110.0581% | 1,032 |
| Total domestic deposits to total assets | 66.3470% | 7,456 |
| Equity capital to assets | 15.1710% | 851 |
| Core capital (leverage) ratio | 9.1494% | 4,460 |
| Tier 1 risk-based capital ratio | 11.0948% | 6,289 |
| Total risk-based capital ratio | 12.5897% | 6,059 |
| Memoranda: | ||
| Average total assets | $13,690,684,250 | 80 |
| Average earning assets | $11,642,637,750 | 84 |
| Average equity | $2,053,246,000 | 65 |
| Average total loans | $9,817,975,500 | 74 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3117% | 3,413 |
| Cost of funding earning assets | 1.4680% | 3,439 |
| Net interest margin | 3.8437% | 3,696 |
| Noninterest income to average assets | 0.6689% | 2,903 |
| Noninterest expense to average assets | 2.3655% | 6,170 |
| Loan and lease loss provision to assets | 1.2916% | 1,068 |
| Net operating income to assets | 0.2832% | 5,250 |
| Return on assets (ROA) | 0.4111% | 4,864 |
| Pretax return on assets | 0.4095% | 5,193 |
| Return on Equity (ROE) | 2.7519% | 5,342 |
| Retained earnings to average equity (ytd only) | 2.7519% | 4,380 |
| Net charge-offs to loans | 1.5141% | 1,264 |
| Credit loss provision to net charge-offs | 117.9087% | 3,445 |
| Earnings coverage of net charge-offs (x) | 1.4361% | 4,412 |
| Efficiency ratio | 58.6018% | 6,292 |
| Assets per employee ($millions) | 6.7903% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8965% | 2,421 |
| Loan loss allowance to noncurrent loans | 74.1184% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.9466% | 3,555 |
| Noncurrent loans to loans | 2.5587% | 3,091 |
| Net loans and leases to total assets | 69.7915% | 2,952 |
| Net loans and leases to deposits | 104.6070% | 459 |
| Net loans and leases to core deposits | 108.1736% | 1,289 |
| Total domestic deposits to total assets | 66.7178% | 7,500 |
| Equity capital to assets | 15.1963% | 840 |
| Core capital (leverage) ratio | 9.1329% | 4,400 |
| Tier 1 risk-based capital ratio | 10.8247% | 6,427 |
| Total risk-based capital ratio | 12.3151% | 6,158 |
| Memoranda: | ||
| Average total assets | $13,626,684,670 | 78 |
| Average earning assets | $11,591,715,000 | 82 |
| Average equity | $2,035,616,000 | 65 |
| Average total loans | $9,858,406,000 | 73 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3548% | 3,273 |
| Cost of funding earning assets | 1.5074% | 3,506 |
| Net interest margin | 3.8474% | 3,586 |
| Noninterest income to average assets | 0.6146% | 3,171 |
| Noninterest expense to average assets | 2.3671% | 6,194 |
| Loan and lease loss provision to assets | 1.3273% | 905 |
| Net operating income to assets | 0.1900% | 5,721 |
| Return on assets (ROA) | 0.3654% | 5,120 |
| Pretax return on assets | 0.3712% | 5,378 |
| Return on Equity (ROE) | 2.4676% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.4676% | 4,654 |
| Net charge-offs to loans | 1.5597% | 1,115 |
| Credit loss provision to net charge-offs | 116.6407% | 2,992 |
| Earnings coverage of net charge-offs (x) | 1.3353% | 3,946 |
| Efficiency ratio | 59.4213% | 6,273 |
| Assets per employee ($millions) | 6.7871% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7935% | 2,756 |
| Loan loss allowance to noncurrent loans | 66.6452% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 2.1189% | 3,357 |
| Noncurrent loans to loans | 2.6911% | 2,981 |
| Net loans and leases to total assets | 71.7816% | 2,507 |
| Net loans and leases to deposits | 104.9441% | 479 |
| Net loans and leases to core deposits | 110.7524% | 1,231 |
| Total domestic deposits to total assets | 68.3998% | 7,509 |
| Equity capital to assets | 15.2792% | 814 |
| Core capital (leverage) ratio | 9.0225% | 4,522 |
| Tier 1 risk-based capital ratio | 10.4335% | 6,695 |
| Total risk-based capital ratio | 11.9163% | 6,460 |
| Memoranda: | ||
| Average total assets | $13,561,435,000 | 77 |
| Average earning assets | $11,533,423,500 | 82 |
| Average equity | $2,008,131,500 | 62 |
| Average total loans | $9,894,135,500 | 72 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6028% | 3,593 |
| Cost of funding earning assets | 1.9416% | 3,249 |
| Net interest margin | 3.6612% | 4,304 |
| Noninterest income to average assets | 0.8044% | 2,384 |
| Noninterest expense to average assets | 2.4006% | 6,467 |
| Loan and lease loss provision to assets | 1.3929% | 1,645 |
| Net operating income to assets | 0.1737% | 4,985 |
| Return on assets (ROA) | 0.2544% | 4,789 |
| Pretax return on assets | 0.1941% | 5,017 |
| Return on Equity (ROE) | 1.8124% | 4,976 |
| Retained earnings to average equity (ytd only) | -0.3514% | 5,043 |
| Net charge-offs to loans | 1.3186% | 1,892 |
| Credit loss provision to net charge-offs | 145.4477% | 3,267 |
| Earnings coverage of net charge-offs (x) | 1.5730% | 4,563 |
| Efficiency ratio | 59.7852% | 6,519 |
| Assets per employee ($millions) | 6.4474% | 1,010 |
| Cash dividends to net income (ytd only)* | 119.3908% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7527% | 2,699 |
| Loan loss allowance to noncurrent loans | 73.4886% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.9169% | 3,506 |
| Noncurrent loans to loans | 2.3851% | 3,182 |
| Net loans and leases to total assets | 71.5455% | 2,876 |
| Net loans and leases to deposits | 107.5451% | 481 |
| Net loans and leases to core deposits | 123.5962% | 1,670 |
| Total domestic deposits to total assets | 66.5261% | 7,622 |
| Equity capital to assets | 14.3314% | 1,069 |
| Core capital (leverage) ratio | 7.9214% | 6,302 |
| Tier 1 risk-based capital ratio | 8.9663% | 7,483 |
| Total risk-based capital ratio | 10.4470% | 7,382 |
| Memoranda: | ||
| Average total assets | $13,498,159,200 | 79 |
| Average earning assets | $11,438,197,400 | 84 |
| Average equity | $1,894,814,000 | 64 |
| Average total loans | $9,803,375,800 | 72 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6197% | 3,746 |
| Cost of funding earning assets | 2.0306% | 3,214 |
| Net interest margin | 3.5890% | 4,520 |
| Noninterest income to average assets | 0.8014% | 2,425 |
| Noninterest expense to average assets | 2.4264% | 6,330 |
| Loan and lease loss provision to assets | 1.3137% | 1,472 |
| Net operating income to assets | 0.1371% | 5,362 |
| Return on assets (ROA) | 0.1803% | 5,286 |
| Pretax return on assets | 0.1455% | 5,430 |
| Return on Equity (ROE) | 1.2913% | 5,409 |
| Retained earnings to average equity (ytd only) | -1.6086% | 5,635 |
| Net charge-offs to loans | 1.0629% | 1,869 |
| Credit loss provision to net charge-offs | 170.3029% | 2,734 |
| Earnings coverage of net charge-offs (x) | 1.8355% | 4,429 |
| Efficiency ratio | 61.4581% | 6,203 |
| Assets per employee ($millions) | 6.6005% | 940 |
| Cash dividends to net income (ytd only)* | 224.5714% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7074% | 2,598 |
| Loan loss allowance to noncurrent loans | 63.8512% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 2.1307% | 3,186 |
| Noncurrent loans to loans | 2.6741% | 2,833 |
| Net loans and leases to total assets | 72.0665% | 3,022 |
| Net loans and leases to deposits | 108.8584% | 506 |
| Net loans and leases to core deposits | 126.7183% | 1,686 |
| Total domestic deposits to total assets | 66.2021% | 7,673 |
| Equity capital to assets | 14.2768% | 1,213 |
| Core capital (leverage) ratio | 7.7362% | 6,681 |
| Tier 1 risk-based capital ratio | 8.7545% | 7,696 |
| Total risk-based capital ratio | 10.2334% | 7,642 |
| Memoranda: | ||
| Average total assets | $13,499,116,000 | 83 |
| Average earning assets | $11,437,401,500 | 85 |
| Average equity | $1,885,036,250 | 68 |
| Average total loans | $9,797,511,500 | 75 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6271% | 3,929 |
| Cost of funding earning assets | 2.1100% | 3,221 |
| Net interest margin | 3.5172% | 4,717 |
| Noninterest income to average assets | 0.8224% | 2,303 |
| Noninterest expense to average assets | 2.5067% | 6,097 |
| Loan and lease loss provision to assets | 1.2580% | 1,359 |
| Net operating income to assets | 0.1218% | 5,497 |
| Return on assets (ROA) | 0.1131% | 5,622 |
| Pretax return on assets | 0.0261% | 5,817 |
| Return on Equity (ROE) | 0.8161% | 5,685 |
| Retained earnings to average equity (ytd only) | -3.5614% | 6,053 |
| Net charge-offs to loans | 0.8422% | 2,007 |
| Credit loss provision to net charge-offs | 206.4953% | 2,212 |
| Earnings coverage of net charge-offs (x) | 2.1221% | 4,009 |
| Efficiency ratio | 64.2671% | 5,859 |
| Assets per employee ($millions) | 6.4537% | 982 |
| Cash dividends to net income (ytd only)* | 536.3684% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 2,798 |
| Loan loss allowance to noncurrent loans | 70.3587% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.8282% | 3,437 |
| Noncurrent loans to loans | 2.2554% | 3,180 |
| Net loans and leases to total assets | 71.5185% | 3,342 |
| Net loans and leases to deposits | 107.9266% | 657 |
| Net loans and leases to core deposits | 126.1723% | 1,854 |
| Total domestic deposits to total assets | 66.2659% | 7,724 |
| Equity capital to assets | 13.7824% | 1,391 |
| Core capital (leverage) ratio | 7.6015% | 6,900 |
| Tier 1 risk-based capital ratio | 8.7255% | 7,808 |
| Total risk-based capital ratio | 10.2054% | 7,745 |
| Memoranda: | ||
| Average total assets | $13,514,868,670 | 88 |
| Average earning assets | $11,439,815,330 | 91 |
| Average equity | $1,873,218,000 | 70 |
| Average total loans | $9,775,786,330 | 82 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6594% | 3,999 |
| Cost of funding earning assets | 2.2059% | 3,138 |
| Net interest margin | 3.4535% | 4,928 |
| Noninterest income to average assets | 0.9319% | 1,728 |
| Noninterest expense to average assets | 2.4005% | 6,191 |
| Loan and lease loss provision to assets | 1.0408% | 1,257 |
| Net operating income to assets | 0.3306% | 5,160 |
| Return on assets (ROA) | 0.3312% | 5,346 |
| Pretax return on assets | 0.4103% | 5,365 |
| Return on Equity (ROE) | 2.3825% | 5,630 |
| Retained earnings to average equity (ytd only) | -4.0358% | 6,431 |
| Net charge-offs to loans | 0.6836% | 1,816 |
| Credit loss provision to net charge-offs | 211.0086% | 2,128 |
| Earnings coverage of net charge-offs (x) | 2.9404% | 3,328 |
| Efficiency ratio | 60.6433% | 6,302 |
| Assets per employee ($millions) | 6.1987% | 1,094 |
| Cash dividends to net income (ytd only)* | 269.3966% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 3,794 |
| Loan loss allowance to noncurrent loans | 73.2354% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4326% | 3,788 |
| Noncurrent loans to loans | 1.8448% | 3,496 |
| Net loans and leases to total assets | 71.3696% | 3,383 |
| Net loans and leases to deposits | 105.2341% | 923 |
| Net loans and leases to core deposits | 124.3730% | 2,053 |
| Total domestic deposits to total assets | 67.8199% | 7,606 |
| Equity capital to assets | 13.8077% | 1,420 |
| Core capital (leverage) ratio | 7.7486% | 6,822 |
| Tier 1 risk-based capital ratio | 8.8738% | 7,855 |
| Total risk-based capital ratio | 10.3152% | 7,769 |
| Memoranda: | ||
| Average total assets | $13,450,694,500 | 90 |
| Average earning assets | $11,369,063,000 | 93 |
| Average equity | $1,869,644,000 | 70 |
| Average total loans | $9,706,300,500 | 84 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1335% | 4,876 |
| Cost of funding earning assets | 2.4092% | 4,683 |
| Net interest margin | 3.7243% | 4,363 |
| Noninterest income to average assets | 0.8361% | 2,317 |
| Noninterest expense to average assets | 2.2800% | 6,757 |
| Loan and lease loss provision to assets | 0.4735% | 2,931 |
| Net operating income to assets | 0.9822% | 2,625 |
| Return on assets (ROA) | 0.8764% | 2,955 |
| Pretax return on assets | 1.0665% | 3,153 |
| Return on Equity (ROE) | 6.2014% | 3,862 |
| Retained earnings to average equity (ytd only) | 0.7531% | 4,779 |
| Net charge-offs to loans | 0.4139% | 2,745 |
| Credit loss provision to net charge-offs | 165.5682% | 3,105 |
| Earnings coverage of net charge-offs (x) | 5.8355% | 3,518 |
| Efficiency ratio | 55.9514% | 7,019 |
| Assets per employee ($millions) | 6.1106% | 1,077 |
| Cash dividends to net income (ytd only)* | 87.8556% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 4,731 |
| Loan loss allowance to noncurrent loans | 88.9805% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.0283% | 4,250 |
| Noncurrent loans to loans | 1.3218% | 3,869 |
| Net loans and leases to total assets | 71.1293% | 3,764 |
| Net loans and leases to deposits | 105.1164% | 1,211 |
| Net loans and leases to core deposits | 125.5811% | 2,197 |
| Total domestic deposits to total assets | 67.6672% | 7,502 |
| Equity capital to assets | 13.9928% | 1,424 |
| Core capital (leverage) ratio | 7.9345% | 6,595 |
| Tier 1 risk-based capital ratio | 8.9383% | 7,825 |
| Total risk-based capital ratio | 10.2000% | 7,829 |
| Memoranda: | ||
| Average total assets | $13,506,368,200 | 91 |
| Average earning assets | $11,289,251,600 | 94 |
| Average equity | $1,908,848,200 | 64 |
| Average total loans | $9,333,304,000 | 83 |