Home > TCF National Bank > Performance and Condition Ratios
TCF National Bank, Performance and Condition Ratios
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6792% | 2,413 |
Cost of funding earning assets | 0.2152% | 3,771 |
Net interest margin | 3.4641% | 1,922 |
Noninterest income to average assets | 1.0807% | 1,010 |
Noninterest expense to average assets | 2.8444% | 1,274 |
Loan and lease loss provision to assets | 0.1692% | 736 |
Net operating income to assets | 1.0496% | 2,638 |
Return on assets (ROA) | 1.0350% | 2,776 |
Pretax return on assets | 1.1963% | 2,855 |
Return on Equity (ROE) | 9.2451% | 2,945 |
Retained earnings to average equity (ytd only) | 5.5688% | 3,042 |
Net charge-offs to loans | 0.5134% | 162 |
Credit loss provision to net charge-offs | 48.1864% | 1,319 |
Earnings coverage of net charge-offs (x) | 3.6788% | 1,755 |
Efficiency ratio | 66.3250% | 2,179 |
Assets per employee ($millions) | 7.2053% | 1,644 |
Cash dividends to net income (ytd only)* | 39.7643% | 1,391 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3891% | 2,009 |
Loan loss allowance to noncurrent loans | 73.4203% | 3,674 |
Noncurrent assets plus other real estate owned to assets | 1.4584% | 447 |
Noncurrent loans to loans | 1.8920% | 591 |
Net loans and leases to total assets | 72.4869% | 956 |
Net loans and leases to deposits | 89.6150% | 720 |
Net loans and leases to core deposits | 97.4982% | 821 |
Total domestic deposits to total assets | 80.8871% | 4,077 |
Equity capital to assets | 10.9026% | 1,934 |
Core capital (leverage) ratio | 8.7267% | 3,887 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9649% | 2,685 |
Memoranda: | ||
Average total assets | $48,594,429,500 | 52 |
Average earning assets | $44,100,122,000 | 50 |
Average equity | $5,440,340,000 | 49 |
Average total loans | $35,508,552,000 | 43 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0555% | 2,565 |
Cost of funding earning assets | 0.5199% | 2,816 |
Net interest margin | 3.5357% | 2,352 |
Noninterest income to average assets | 1.0618% | 942 |
Noninterest expense to average assets | 3.1286% | 1,178 |
Loan and lease loss provision to assets | 0.5240% | 446 |
Net operating income to assets | 0.5148% | 3,999 |
Return on assets (ROA) | 0.5037% | 4,105 |
Pretax return on assets | 0.5991% | 4,081 |
Return on Equity (ROE) | 4.4282% | 4,050 |
Retained earnings to average equity (ytd only) | -0.0488% | 4,523 |
Net charge-offs to loans | 0.1282% | 1,227 |
Credit loss provision to net charge-offs | 557.2768% | 1,168 |
Earnings coverage of net charge-offs (x) | 12.0533% | 2,360 |
Efficiency ratio | 72.3354% | 1,637 |
Assets per employee ($millions) | 6.9419% | 1,621 |
Cash dividends to net income (ytd only)* | 101.1026% | 243 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5160% | 1,531 |
Loan loss allowance to noncurrent loans | 76.7976% | 3,644 |
Noncurrent assets plus other real estate owned to assets | 1.5062% | 486 |
Noncurrent loans to loans | 1.9740% | 591 |
Net loans and leases to total assets | 71.5184% | 1,360 |
Net loans and leases to deposits | 87.4784% | 1,137 |
Net loans and leases to core deposits | 96.6152% | 1,086 |
Total domestic deposits to total assets | 81.7555% | 3,718 |
Equity capital to assets | 11.4984% | 1,884 |
Core capital (leverage) ratio | 8.9655% | 3,729 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.5080% | 2,444 |
Memoranda: | ||
Average total assets | $48,107,001,400 | 51 |
Average earning assets | $43,541,645,200 | 50 |
Average equity | $5,472,359,200 | 47 |
Average total loans | $35,293,443,600 | 44 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1430% | 2,541 |
Cost of funding earning assets | 0.6006% | 2,614 |
Net interest margin | 3.5424% | 2,447 |
Noninterest income to average assets | 1.0666% | 915 |
Noninterest expense to average assets | 3.2119% | 1,057 |
Loan and lease loss provision to assets | 0.6348% | 379 |
Net operating income to assets | 0.3809% | 4,302 |
Return on assets (ROA) | 0.3703% | 4,383 |
Pretax return on assets | 0.4138% | 4,413 |
Return on Equity (ROE) | 3.2639% | 4,341 |
Retained earnings to average equity (ytd only) | -1.4915% | 4,661 |
Net charge-offs to loans | 0.1249% | 1,131 |
Credit loss provision to net charge-offs | 691.1676% | 1,079 |
Earnings coverage of net charge-offs (x) | 11.5263% | 2,299 |
Efficiency ratio | 73.1966% | 1,494 |
Assets per employee ($millions) | 6.8040% | 1,621 |
Cash dividends to net income (ytd only)* | 145.6964% | 101 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4804% | 1,446 |
Loan loss allowance to noncurrent loans | 133.8337% | 2,882 |
Noncurrent assets plus other real estate owned to assets | 0.8896% | 1,298 |
Noncurrent loans to loans | 1.1061% | 1,364 |
Net loans and leases to total assets | 72.1379% | 1,644 |
Net loans and leases to deposits | 87.0340% | 1,589 |
Net loans and leases to core deposits | 96.1348% | 1,446 |
Total domestic deposits to total assets | 82.8847% | 3,173 |
Equity capital to assets | 11.4513% | 2,049 |
Core capital (leverage) ratio | 8.4310% | 4,359 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4836% | 2,428 |
Memoranda: | ||
Average total assets | $48,191,872,500 | 49 |
Average earning assets | $43,586,975,000 | 50 |
Average equity | $5,467,329,250 | 47 |
Average total loans | $35,444,695,500 | 44 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2706% | 2,543 |
Cost of funding earning assets | 0.7016% | 2,373 |
Net interest margin | 3.5690% | 2,582 |
Noninterest income to average assets | 1.1202% | 791 |
Noninterest expense to average assets | 3.2665% | 1,049 |
Loan and lease loss provision to assets | 0.6243% | 498 |
Net operating income to assets | 0.3647% | 4,305 |
Return on assets (ROA) | 0.3466% | 4,398 |
Pretax return on assets | 0.4356% | 4,360 |
Return on Equity (ROE) | 3.0649% | 4,339 |
Retained earnings to average equity (ytd only) | -2.7794% | 4,642 |
Net charge-offs to loans | 0.0503% | 1,764 |
Credit loss provision to net charge-offs | 1,684.6823% | 558 |
Earnings coverage of net charge-offs (x) | 29.0905% | 1,458 |
Efficiency ratio | 74.1506% | 1,446 |
Assets per employee ($millions) | 7.3005% | 1,279 |
Cash dividends to net income (ytd only)* | 190.6850% | 118 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2784% | 2,109 |
Loan loss allowance to noncurrent loans | 153.9782% | 2,570 |
Noncurrent assets plus other real estate owned to assets | 0.6873% | 1,784 |
Noncurrent loans to loans | 0.8303% | 1,836 |
Net loans and leases to total assets | 71.1511% | 1,848 |
Net loans and leases to deposits | 90.3286% | 1,324 |
Net loans and leases to core deposits | 101.2581% | 1,168 |
Total domestic deposits to total assets | 78.7692% | 4,070 |
Equity capital to assets | 10.8598% | 2,455 |
Core capital (leverage) ratio | 8.3440% | 4,523 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9310% | 2,645 |
Memoranda: | ||
Average total assets | $48,411,691,333 | 48 |
Average earning assets | $43,736,588,667 | 46 |
Average equity | $5,475,409,333 | 46 |
Average total loans | $35,658,221,333 | 41 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6239% | 1,930 |
Cost of funding earning assets | 0.8770% | 1,982 |
Net interest margin | 3.7469% | 2,159 |
Noninterest income to average assets | 1.1779% | 632 |
Noninterest expense to average assets | 3.1481% | 1,530 |
Loan and lease loss provision to assets | 0.7815% | 314 |
Net operating income to assets | 0.4927% | 3,910 |
Return on assets (ROA) | 0.4766% | 4,010 |
Pretax return on assets | 0.6059% | 3,909 |
Return on Equity (ROE) | 4.1274% | 3,917 |
Retained earnings to average equity (ytd only) | -0.9674% | 4,135 |
Net charge-offs to loans | 0.0622% | 1,389 |
Credit loss provision to net charge-offs | 1,687.9651% | 384 |
Earnings coverage of net charge-offs (x) | 30.3149% | 1,178 |
Efficiency ratio | 68.1607% | 2,640 |
Assets per employee ($millions) | 6.6325% | 1,273 |
Cash dividends to net income (ytd only)* | 123.4394% | 592 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1223% | 3,077 |
Loan loss allowance to noncurrent loans | 158.7155% | 2,442 |
Noncurrent assets plus other real estate owned to assets | 0.6108% | 2,173 |
Noncurrent loans to loans | 0.7071% | 2,234 |
Net loans and leases to total assets | 73.7239% | 1,657 |
Net loans and leases to deposits | 99.3375% | 599 |
Net loans and leases to core deposits | 112.7899% | 721 |
Total domestic deposits to total assets | 74.2156% | 4,644 |
Equity capital to assets | 11.2542% | 2,634 |
Core capital (leverage) ratio | 8.9264% | 4,520 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 11.8572% | 3,141 |
Memoranda: | ||
Average total assets | $47,595,085,500 | 46 |
Average earning assets | $42,854,011,500 | 46 |
Average equity | $5,495,717,000 | 45 |
Average total loans | $35,453,020,500 | 41 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2715% | 873 |
Cost of funding earning assets | 0.9913% | 1,762 |
Net interest margin | 4.2801% | 1,135 |
Noninterest income to average assets | 1.4071% | 482 |
Noninterest expense to average assets | 3.8117% | 662 |
Loan and lease loss provision to assets | 0.1977% | 1,028 |
Net operating income to assets | 1.1050% | 2,425 |
Return on assets (ROA) | 1.0894% | 2,583 |
Pretax return on assets | 1.2886% | 2,545 |
Return on Equity (ROE) | 9.7320% | 2,426 |
Retained earnings to average equity (ytd only) | 3.6449% | 3,172 |
Net charge-offs to loans | 0.4304% | 445 |
Credit loss provision to net charge-offs | 59.4754% | 3,042 |
Earnings coverage of net charge-offs (x) | 4.5079% | 3,210 |
Efficiency ratio | 71.1272% | 2,002 |
Assets per employee ($millions) | 5.9948% | 1,639 |
Cash dividends to net income (ytd only)* | 62.5476% | 1,457 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3258% | 5,027 |
Loan loss allowance to noncurrent loans | 56.6013% | 3,990 |
Noncurrent assets plus other real estate owned to assets | 0.5063% | 2,391 |
Noncurrent loans to loans | 0.5756% | 2,461 |
Net loans and leases to total assets | 74.1715% | 1,722 |
Net loans and leases to deposits | 99.7749% | 621 |
Net loans and leases to core deposits | 111.7395% | 764 |
Total domestic deposits to total assets | 74.3388% | 4,753 |
Equity capital to assets | 11.8516% | 2,236 |
Core capital (leverage) ratio | 9.1036% | 4,445 |
Tier 1 risk-based capital ratio | 11.0251% | 4,851 |
Total risk-based capital ratio | 12.2871% | 4,746 |
Memoranda: | ||
Average total assets | $33,019,111,000 | 59 |
Average earning assets | $30,110,255,400 | 57 |
Average equity | $3,696,335,000 | 65 |
Average total loans | $25,502,810,600 | 51 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3025% | 860 |
Cost of funding earning assets | 0.9711% | 1,887 |
Net interest margin | 4.3314% | 1,096 |
Noninterest income to average assets | 1.3787% | 486 |
Noninterest expense to average assets | 3.8247% | 636 |
Loan and lease loss provision to assets | 0.2290% | 741 |
Net operating income to assets | 1.0967% | 2,582 |
Return on assets (ROA) | 1.0828% | 2,734 |
Pretax return on assets | 1.2784% | 2,731 |
Return on Equity (ROE) | 9.9013% | 2,475 |
Retained earnings to average equity (ytd only) | 3.7266% | 3,535 |
Net charge-offs to loans | 0.5008% | 340 |
Credit loss provision to net charge-offs | 58.3749% | 2,722 |
Earnings coverage of net charge-offs (x) | 3.8645% | 3,068 |
Efficiency ratio | 71.1039% | 1,952 |
Assets per employee ($millions) | 5.7957% | 1,768 |
Cash dividends to net income (ytd only)* | 62.3631% | 1,202 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3469% | 5,094 |
Loan loss allowance to noncurrent loans | 54.2244% | 4,117 |
Noncurrent assets plus other real estate owned to assets | 0.5545% | 2,342 |
Noncurrent loans to loans | 0.6397% | 2,372 |
Net loans and leases to total assets | 76.2252% | 1,441 |
Net loans and leases to deposits | 98.1399% | 807 |
Net loans and leases to core deposits | 111.6796% | 860 |
Total domestic deposits to total assets | 77.6700% | 4,413 |
Equity capital to assets | 12.0021% | 2,258 |
Core capital (leverage) ratio | 10.6839% | 2,944 |
Tier 1 risk-based capital ratio | 10.9122% | 4,954 |
Total risk-based capital ratio | 12.1971% | 4,816 |
Memoranda: | ||
Average total assets | $29,617,047,250 | 66 |
Average earning assets | $27,093,030,000 | 63 |
Average equity | $3,238,899,250 | 71 |
Average total loans | $23,204,200,750 | 55 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5428% | 524 |
Cost of funding earning assets | 0.9772% | 1,805 |
Net interest margin | 4.5656% | 665 |
Noninterest income to average assets | 1.7560% | 319 |
Noninterest expense to average assets | 3.9567% | 567 |
Loan and lease loss provision to assets | 0.1953% | 887 |
Net operating income to assets | 1.4543% | 1,283 |
Return on assets (ROA) | 1.4101% | 1,458 |
Pretax return on assets | 1.7709% | 1,113 |
Return on Equity (ROE) | 13.7347% | 1,045 |
Retained earnings to average equity (ytd only) | 1.6899% | 4,214 |
Net charge-offs to loans | 0.3598% | 465 |
Credit loss provision to net charge-offs | 68.2659% | 2,330 |
Earnings coverage of net charge-offs (x) | 7.0180% | 2,528 |
Efficiency ratio | 66.1142% | 2,793 |
Assets per employee ($millions) | 4.9320% | 2,561 |
Cash dividends to net income (ytd only)* | 87.6962% | 667 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7607% | 4,581 |
Loan loss allowance to noncurrent loans | 127.5225% | 2,924 |
Noncurrent assets plus other real estate owned to assets | 0.5236% | 2,466 |
Noncurrent loans to loans | 0.5965% | 2,484 |
Net loans and leases to total assets | 77.5654% | 1,301 |
Net loans and leases to deposits | 99.0064% | 750 |
Net loans and leases to core deposits | 110.4203% | 952 |
Total domestic deposits to total assets | 78.3438% | 4,339 |
Equity capital to assets | 10.2184% | 3,782 |
Core capital (leverage) ratio | 9.5945% | 4,049 |
Tier 1 risk-based capital ratio | 11.1222% | 4,861 |
Total risk-based capital ratio | 12.7554% | 4,576 |
Memoranda: | ||
Average total assets | $24,260,141,000 | 76 |
Average earning assets | $22,362,604,000 | 75 |
Average equity | $2,490,704,670 | 85 |
Average total loans | $19,289,994,000 | 66 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5647% | 462 |
Cost of funding earning assets | 0.9446% | 1,814 |
Net interest margin | 4.6202% | 585 |
Noninterest income to average assets | 1.6852% | 317 |
Noninterest expense to average assets | 4.0482% | 503 |
Loan and lease loss provision to assets | 0.1682% | 996 |
Net operating income to assets | 1.3393% | 1,561 |
Return on assets (ROA) | 1.2961% | 1,749 |
Pretax return on assets | 1.6948% | 1,221 |
Return on Equity (ROE) | 12.5937% | 1,358 |
Retained earnings to average equity (ytd only) | 10.1716% | 993 |
Net charge-offs to loans | 0.4068% | 379 |
Credit loss provision to net charge-offs | 51.5482% | 1,965 |
Earnings coverage of net charge-offs (x) | 5.8367% | 2,236 |
Efficiency ratio | 67.7785% | 2,668 |
Assets per employee ($millions) | 4.8467% | 2,716 |
Cash dividends to net income (ytd only)* | 19.2330% | 2,484 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7609% | 4,630 |
Loan loss allowance to noncurrent loans | 134.0241% | 2,862 |
Noncurrent assets plus other real estate owned to assets | 0.5509% | 2,444 |
Noncurrent loans to loans | 0.5677% | 2,626 |
Net loans and leases to total assets | 78.9952% | 988 |
Net loans and leases to deposits | 100.8714% | 564 |
Net loans and leases to core deposits | 112.6793% | 798 |
Total domestic deposits to total assets | 78.3128% | 4,464 |
Equity capital to assets | 10.3468% | 3,477 |
Core capital (leverage) ratio | 9.9177% | 3,688 |
Tier 1 risk-based capital ratio | 11.3175% | 4,831 |
Total risk-based capital ratio | 13.0600% | 4,465 |
Memoranda: | ||
Average total assets | $24,070,054,500 | 77 |
Average earning assets | $22,233,505,000 | 75 |
Average equity | $2,477,134,000 | 85 |
Average total loans | $19,305,559,000 | 67 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4399% | 452 |
Cost of funding earning assets | 0.7027% | 2,075 |
Net interest margin | 4.7372% | 458 |
Noninterest income to average assets | 1.9154% | 288 |
Noninterest expense to average assets | 4.3451% | 351 |
Loan and lease loss provision to assets | 0.2012% | 941 |
Net operating income to assets | 1.3742% | 1,517 |
Return on assets (ROA) | 1.3269% | 1,685 |
Pretax return on assets | 1.7013% | 1,166 |
Return on Equity (ROE) | 12.6498% | 1,487 |
Retained earnings to average equity (ytd only) | -5.0223% | 5,246 |
Net charge-offs to loans | 0.3159% | 610 |
Credit loss provision to net charge-offs | 77.6877% | 2,900 |
Earnings coverage of net charge-offs (x) | 7.5291% | 2,984 |
Efficiency ratio | 68.7963% | 2,421 |
Assets per employee ($millions) | 4.5047% | 3,161 |
Cash dividends to net income (ytd only)* | 139.7024% | 108 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8216% | 4,458 |
Loan loss allowance to noncurrent loans | 138.8878% | 2,854 |
Noncurrent assets plus other real estate owned to assets | 0.5607% | 2,367 |
Noncurrent loans to loans | 0.5916% | 2,515 |
Net loans and leases to total assets | 80.1650% | 912 |
Net loans and leases to deposits | 99.8405% | 756 |
Net loans and leases to core deposits | 113.3932% | 805 |
Total domestic deposits to total assets | 80.2930% | 4,044 |
Equity capital to assets | 10.2342% | 3,438 |
Core capital (leverage) ratio | 9.9704% | 3,620 |
Tier 1 risk-based capital ratio | 11.1907% | 4,868 |
Total risk-based capital ratio | 13.0143% | 4,463 |
Memoranda: | ||
Average total assets | $23,250,202,600 | 77 |
Average earning assets | $21,493,317,400 | 75 |
Average equity | $2,438,867,200 | 84 |
Average total loans | $19,055,625,000 | 63 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4159% | 432 |
Cost of funding earning assets | 0.6621% | 2,082 |
Net interest margin | 4.7538% | 414 |
Noninterest income to average assets | 1.8663% | 307 |
Noninterest expense to average assets | 4.3807% | 329 |
Loan and lease loss provision to assets | 0.1606% | 1,201 |
Net operating income to assets | 1.3307% | 1,740 |
Return on assets (ROA) | 1.2810% | 1,924 |
Pretax return on assets | 1.6713% | 1,340 |
Return on Equity (ROE) | 12.1365% | 1,744 |
Retained earnings to average equity (ytd only) | -5.9356% | 5,332 |
Net charge-offs to loans | 0.2680% | 618 |
Credit loss provision to net charge-offs | 72.8846% | 2,604 |
Earnings coverage of net charge-offs (x) | 8.5363% | 2,696 |
Efficiency ratio | 69.7193% | 2,242 |
Assets per employee ($millions) | 4.3355% | 3,377 |
Cash dividends to net income (ytd only)* | 148.9073% | 82 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8666% | 4,382 |
Loan loss allowance to noncurrent loans | 166.2743% | 2,571 |
Noncurrent assets plus other real estate owned to assets | 0.5144% | 2,673 |
Noncurrent loans to loans | 0.5212% | 2,823 |
Net loans and leases to total assets | 80.1629% | 995 |
Net loans and leases to deposits | 98.6560% | 893 |
Net loans and leases to core deposits | 110.6151% | 995 |
Total domestic deposits to total assets | 81.2549% | 3,799 |
Equity capital to assets | 10.5052% | 3,137 |
Core capital (leverage) ratio | 10.1637% | 3,449 |
Tier 1 risk-based capital ratio | 11.4932% | 4,790 |
Total risk-based capital ratio | 13.3672% | 4,326 |
Memoranda: | ||
Average total assets | $23,135,746,250 | 77 |
Average earning assets | $21,393,193,750 | 74 |
Average equity | $2,442,001,750 | 83 |
Average total loans | $19,028,787,500 | 63 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3553% | 423 |
Cost of funding earning assets | 0.6334% | 2,027 |
Net interest margin | 4.7219% | 412 |
Noninterest income to average assets | 1.8442% | 305 |
Noninterest expense to average assets | 4.4317% | 315 |
Loan and lease loss provision to assets | 0.2207% | 741 |
Net operating income to assets | 1.2190% | 2,107 |
Return on assets (ROA) | 1.1668% | 2,325 |
Pretax return on assets | 1.5078% | 1,790 |
Return on Equity (ROE) | 11.0376% | 2,095 |
Retained earnings to average equity (ytd only) | -13.3373% | 5,455 |
Net charge-offs to loans | 0.3224% | 496 |
Credit loss provision to net charge-offs | 82.7484% | 2,232 |
Earnings coverage of net charge-offs (x) | 6.6771% | 2,604 |
Efficiency ratio | 71.1080% | 2,146 |
Assets per employee ($millions) | 4.3248% | 3,395 |
Cash dividends to net income (ytd only)* | 220.8353% | 48 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8760% | 4,442 |
Loan loss allowance to noncurrent loans | 132.6406% | 2,971 |
Noncurrent assets plus other real estate owned to assets | 0.6164% | 2,373 |
Noncurrent loans to loans | 0.6604% | 2,461 |
Net loans and leases to total assets | 80.7866% | 887 |
Net loans and leases to deposits | 101.2363% | 716 |
Net loans and leases to core deposits | 112.5276% | 858 |
Total domestic deposits to total assets | 79.8001% | 4,280 |
Equity capital to assets | 10.1971% | 3,441 |
Core capital (leverage) ratio | 9.8291% | 3,756 |
Tier 1 risk-based capital ratio | 10.9749% | 5,065 |
Total risk-based capital ratio | 12.8336% | 4,630 |
Memoranda: | ||
Average total assets | $23,207,079,330 | 75 |
Average earning assets | $21,467,554,330 | 74 |
Average equity | $2,453,342,000 | 83 |
Average total loans | $19,193,266,330 | 62 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2475% | 445 |
Cost of funding earning assets | 0.6006% | 2,052 |
Net interest margin | 4.6469% | 450 |
Noninterest income to average assets | 1.8246% | 302 |
Noninterest expense to average assets | 4.2005% | 408 |
Loan and lease loss provision to assets | 0.1959% | 849 |
Net operating income to assets | 1.3346% | 1,523 |
Return on assets (ROA) | 1.2896% | 1,679 |
Pretax return on assets | 1.6835% | 1,160 |
Return on Equity (ROE) | 11.9865% | 1,584 |
Retained earnings to average equity (ytd only) | -16.6851% | 5,476 |
Net charge-offs to loans | 0.3032% | 500 |
Credit loss provision to net charge-offs | 77.5549% | 1,766 |
Earnings coverage of net charge-offs (x) | 7.6178% | 2,071 |
Efficiency ratio | 68.3494% | 2,776 |
Assets per employee ($millions) | 4.3451% | 3,406 |
Cash dividends to net income (ytd only)* | 239.1993% | 131 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8629% | 4,589 |
Loan loss allowance to noncurrent loans | 127.8088% | 3,013 |
Noncurrent assets plus other real estate owned to assets | 0.6398% | 2,397 |
Noncurrent loans to loans | 0.6752% | 2,528 |
Net loans and leases to total assets | 82.3249% | 626 |
Net loans and leases to deposits | 102.2809% | 565 |
Net loans and leases to core deposits | 113.6831% | 817 |
Total domestic deposits to total assets | 80.4890% | 4,325 |
Equity capital to assets | 10.3875% | 3,183 |
Core capital (leverage) ratio | 10.1432% | 3,367 |
Tier 1 risk-based capital ratio | 11.0764% | 5,095 |
Total risk-based capital ratio | 13.0157% | 4,582 |
Memoranda: | ||
Average total assets | $23,211,547,500 | 76 |
Average earning assets | $21,479,426,500 | 73 |
Average equity | $2,497,244,500 | 82 |
Average total loans | $19,336,591,000 | 63 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0545% | 581 |
Cost of funding earning assets | 0.4584% | 2,694 |
Net interest margin | 4.5961% | 508 |
Noninterest income to average assets | 1.9185% | 313 |
Noninterest expense to average assets | 4.7448% | 260 |
Loan and lease loss provision to assets | 0.3072% | 556 |
Net operating income to assets | 1.2610% | 1,325 |
Return on assets (ROA) | 1.2165% | 1,491 |
Pretax return on assets | 1.0727% | 3,286 |
Return on Equity (ROE) | 11.0887% | 1,440 |
Retained earnings to average equity (ytd only) | 8.4297% | 637 |
Net charge-offs to loans | 0.3083% | 829 |
Credit loss provision to net charge-offs | 118.4524% | 2,212 |
Earnings coverage of net charge-offs (x) | 5.4927% | 3,319 |
Efficiency ratio | 71.4275% | 2,316 |
Assets per employee ($millions) | 3.9973% | 3,966 |
Cash dividends to net income (ytd only)* | 23.9793% | 3,533 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8890% | 4,529 |
Loan loss allowance to noncurrent loans | 136.2724% | 2,990 |
Noncurrent assets plus other real estate owned to assets | 0.6308% | 2,436 |
Noncurrent loans to loans | 0.6524% | 2,586 |
Net loans and leases to total assets | 82.8317% | 583 |
Net loans and leases to deposits | 103.1943% | 538 |
Net loans and leases to core deposits | 114.5057% | 776 |
Total domestic deposits to total assets | 80.2677% | 4,290 |
Equity capital to assets | 11.1360% | 2,500 |
Core capital (leverage) ratio | 10.7002% | 2,648 |
Tier 1 risk-based capital ratio | 11.6770% | 4,735 |
Total risk-based capital ratio | 13.6522% | 4,171 |
Memoranda: | ||
Average total assets | $22,281,783,200 | 77 |
Average earning assets | $20,606,639,400 | 75 |
Average equity | $2,444,534,400 | 80 |
Average total loans | $18,742,973,800 | 60 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9878% | 626 |
Cost of funding earning assets | 0.4272% | 2,908 |
Net interest margin | 4.5606% | 525 |
Noninterest income to average assets | 1.8853% | 336 |
Noninterest expense to average assets | 4.2982% | 374 |
Loan and lease loss provision to assets | 0.2787% | 585 |
Net operating income to assets | 1.0484% | 2,336 |
Return on assets (ROA) | 1.0016% | 2,598 |
Pretax return on assets | 1.4814% | 1,838 |
Return on Equity (ROE) | 9.1652% | 2,516 |
Retained earnings to average equity (ytd only) | 7.6744% | 1,356 |
Net charge-offs to loans | 0.2745% | 784 |
Credit loss provision to net charge-offs | 120.4622% | 2,000 |
Earnings coverage of net charge-offs (x) | 7.8096% | 2,836 |
Efficiency ratio | 70.2924% | 2,491 |
Assets per employee ($millions) | 3.9428% | 4,086 |
Cash dividends to net income (ytd only)* | 16.2656% | 3,284 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8743% | 4,680 |
Loan loss allowance to noncurrent loans | 131.4355% | 3,040 |
Noncurrent assets plus other real estate owned to assets | 0.6722% | 2,483 |
Noncurrent loans to loans | 0.6652% | 2,708 |
Net loans and leases to total assets | 82.8703% | 563 |
Net loans and leases to deposits | 103.6296% | 520 |
Net loans and leases to core deposits | 114.6416% | 801 |
Total domestic deposits to total assets | 79.9678% | 4,318 |
Equity capital to assets | 10.8515% | 3,015 |
Core capital (leverage) ratio | 10.5318% | 2,952 |
Tier 1 risk-based capital ratio | 11.0509% | 5,214 |
Total risk-based capital ratio | 13.0198% | 4,657 |
Memoranda: | ||
Average total assets | $22,097,101,250 | 77 |
Average earning assets | $20,444,788,250 | 74 |
Average equity | $2,414,779,750 | 79 |
Average total loans | $18,618,886,750 | 60 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9753% | 588 |
Cost of funding earning assets | 0.4150% | 2,931 |
Net interest margin | 4.5603% | 506 |
Noninterest income to average assets | 1.9020% | 340 |
Noninterest expense to average assets | 4.3749% | 344 |
Loan and lease loss provision to assets | 0.2904% | 537 |
Net operating income to assets | 1.0127% | 2,367 |
Return on assets (ROA) | 0.9634% | 2,650 |
Pretax return on assets | 1.4093% | 1,984 |
Return on Equity (ROE) | 8.7937% | 2,610 |
Retained earnings to average equity (ytd only) | 7.3694% | 1,416 |
Net charge-offs to loans | 0.2861% | 709 |
Credit loss provision to net charge-offs | 120.1177% | 1,773 |
Earnings coverage of net charge-offs (x) | 7.2344% | 2,622 |
Efficiency ratio | 71.3865% | 2,456 |
Assets per employee ($millions) | 3.7476% | 4,360 |
Cash dividends to net income (ytd only)* | 16.1970% | 3,240 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8934% | 4,664 |
Loan loss allowance to noncurrent loans | 124.2339% | 3,158 |
Noncurrent assets plus other real estate owned to assets | 0.7359% | 2,360 |
Noncurrent loans to loans | 0.7191% | 2,593 |
Net loans and leases to total assets | 83.2519% | 519 |
Net loans and leases to deposits | 104.0650% | 493 |
Net loans and leases to core deposits | 113.0523% | 846 |
Total domestic deposits to total assets | 79.9999% | 4,406 |
Equity capital to assets | 11.0697% | 2,735 |
Core capital (leverage) ratio | 10.3944% | 3,028 |
Tier 1 risk-based capital ratio | 11.2567% | 5,113 |
Total risk-based capital ratio | 13.2923% | 4,487 |
Memoranda: | ||
Average total assets | $21,790,167,000 | 76 |
Average earning assets | $20,173,311,670 | 73 |
Average equity | $2,387,107,670 | 78 |
Average total loans | $18,410,764,000 | 60 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9222% | 601 |
Cost of funding earning assets | 0.4050% | 2,946 |
Net interest margin | 4.5172% | 509 |
Noninterest income to average assets | 1.8298% | 354 |
Noninterest expense to average assets | 4.5112% | 329 |
Loan and lease loss provision to assets | 0.2253% | 696 |
Net operating income to assets | 0.8640% | 2,927 |
Return on assets (ROA) | 0.8213% | 3,172 |
Pretax return on assets | 1.2401% | 2,449 |
Return on Equity (ROE) | 7.5375% | 3,148 |
Retained earnings to average equity (ytd only) | 6.3507% | 2,162 |
Net charge-offs to loans | 0.2685% | 681 |
Credit loss provision to net charge-offs | 99.0093% | 1,627 |
Earnings coverage of net charge-offs (x) | 6.6281% | 2,201 |
Efficiency ratio | 74.9091% | 2,082 |
Assets per employee ($millions) | 3.6198% | 4,614 |
Cash dividends to net income (ytd only)* | 15.7463% | 2,602 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8620% | 4,890 |
Loan loss allowance to noncurrent loans | 110.9967% | 3,439 |
Noncurrent assets plus other real estate owned to assets | 0.8068% | 2,284 |
Noncurrent loans to loans | 0.7766% | 2,523 |
Net loans and leases to total assets | 84.3209% | 332 |
Net loans and leases to deposits | 104.6127% | 379 |
Net loans and leases to core deposits | 113.0075% | 724 |
Total domestic deposits to total assets | 80.6029% | 4,502 |
Equity capital to assets | 10.8918% | 2,752 |
Core capital (leverage) ratio | 10.2663% | 3,167 |
Tier 1 risk-based capital ratio | 11.1460% | 5,231 |
Total risk-based capital ratio | 13.2717% | 4,595 |
Memoranda: | ||
Average total assets | $21,650,374,000 | 76 |
Average earning assets | $20,079,461,000 | 73 |
Average equity | $2,359,128,500 | 76 |
Average total loans | $18,346,592,000 | 58 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8478% | 804 |
Cost of funding earning assets | 0.4236% | 2,772 |
Net interest margin | 4.4242% | 734 |
Noninterest income to average assets | 2.1309% | 316 |
Noninterest expense to average assets | 4.3058% | 445 |
Loan and lease loss provision to assets | 0.3117% | 601 |
Net operating income to assets | 1.0636% | 2,070 |
Return on assets (ROA) | 1.0164% | 2,384 |
Pretax return on assets | 1.5726% | 1,365 |
Return on Equity (ROE) | 9.3758% | 2,240 |
Retained earnings to average equity (ytd only) | 6.6258% | 1,395 |
Net charge-offs to loans | 0.3454% | 791 |
Credit loss provision to net charge-offs | 106.7131% | 2,441 |
Earnings coverage of net charge-offs (x) | 6.6155% | 3,142 |
Efficiency ratio | 68.9185% | 3,089 |
Assets per employee ($millions) | 3.5581% | 4,670 |
Cash dividends to net income (ytd only)* | 29.3310% | 3,345 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8848% | 4,842 |
Loan loss allowance to noncurrent loans | 85.6412% | 3,903 |
Noncurrent assets plus other real estate owned to assets | 1.0904% | 1,720 |
Noncurrent loans to loans | 1.0332% | 2,010 |
Net loans and leases to total assets | 83.6738% | 414 |
Net loans and leases to deposits | 103.2316% | 454 |
Net loans and leases to core deposits | 111.4569% | 809 |
Total domestic deposits to total assets | 81.0545% | 4,318 |
Equity capital to assets | 10.9013% | 2,711 |
Core capital (leverage) ratio | 10.3188% | 3,082 |
Tier 1 risk-based capital ratio | 11.2311% | 5,202 |
Total risk-based capital ratio | 13.4200% | 4,476 |
Memoranda: | ||
Average total assets | $21,132,918,400 | 73 |
Average earning assets | $19,619,771,400 | 71 |
Average equity | $2,290,902,800 | 74 |
Average total loans | $17,874,562,000 | 58 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8683% | 780 |
Cost of funding earning assets | 0.4280% | 2,755 |
Net interest margin | 4.4403% | 720 |
Noninterest income to average assets | 2.1373% | 325 |
Noninterest expense to average assets | 4.3199% | 437 |
Loan and lease loss provision to assets | 0.2912% | 589 |
Net operating income to assets | 1.0919% | 2,031 |
Return on assets (ROA) | 1.0409% | 2,364 |
Pretax return on assets | 1.5981% | 1,382 |
Return on Equity (ROE) | 9.6157% | 2,218 |
Retained earnings to average equity (ytd only) | 6.8659% | 1,695 |
Net charge-offs to loans | 0.3468% | 660 |
Credit loss provision to net charge-offs | 99.2339% | 2,395 |
Earnings coverage of net charge-offs (x) | 6.6166% | 2,983 |
Efficiency ratio | 68.8778% | 3,066 |
Assets per employee ($millions) | 3.5083% | 4,772 |
Cash dividends to net income (ytd only)* | 28.5970% | 2,885 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8769% | 4,948 |
Loan loss allowance to noncurrent loans | 80.0416% | 4,048 |
Noncurrent assets plus other real estate owned to assets | 1.0873% | 1,884 |
Noncurrent loans to loans | 1.0956% | 2,063 |
Net loans and leases to total assets | 83.5039% | 458 |
Net loans and leases to deposits | 101.3230% | 619 |
Net loans and leases to core deposits | 109.6833% | 942 |
Total domestic deposits to total assets | 82.4135% | 3,805 |
Equity capital to assets | 11.1167% | 2,901 |
Core capital (leverage) ratio | 10.2464% | 3,285 |
Tier 1 risk-based capital ratio | 11.3924% | 5,161 |
Total risk-based capital ratio | 13.6222% | 4,458 |
Memoranda: | ||
Average total assets | $21,052,347,250 | 74 |
Average earning assets | $19,554,870,250 | 71 |
Average equity | $2,278,907,000 | 75 |
Average total loans | $17,815,037,750 | 58 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8490% | 801 |
Cost of funding earning assets | 0.4293% | 2,743 |
Net interest margin | 4.4198% | 730 |
Noninterest income to average assets | 2.1390% | 318 |
Noninterest expense to average assets | 4.3122% | 442 |
Loan and lease loss provision to assets | 0.3051% | 578 |
Net operating income to assets | 1.0767% | 2,055 |
Return on assets (ROA) | 1.0265% | 2,405 |
Pretax return on assets | 1.5752% | 1,436 |
Return on Equity (ROE) | 9.5689% | 2,245 |
Retained earnings to average equity (ytd only) | 6.7330% | 1,747 |
Net charge-offs to loans | 0.3338% | 709 |
Credit loss provision to net charge-offs | 107.8360% | 1,994 |
Earnings coverage of net charge-offs (x) | 6.8252% | 2,696 |
Efficiency ratio | 68.9602% | 3,158 |
Assets per employee ($millions) | 3.4635% | 4,813 |
Cash dividends to net income (ytd only)* | 29.6359% | 2,858 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8893% | 4,991 |
Loan loss allowance to noncurrent loans | 79.8646% | 4,121 |
Noncurrent assets plus other real estate owned to assets | 1.1214% | 1,880 |
Noncurrent loans to loans | 1.1135% | 2,065 |
Net loans and leases to total assets | 83.8380% | 434 |
Net loans and leases to deposits | 101.8557% | 571 |
Net loans and leases to core deposits | 110.2395% | 921 |
Total domestic deposits to total assets | 82.3106% | 3,906 |
Equity capital to assets | 10.9521% | 3,111 |
Core capital (leverage) ratio | 9.9657% | 3,604 |
Tier 1 risk-based capital ratio | 11.2039% | 5,313 |
Total risk-based capital ratio | 13.4515% | 4,621 |
Memoranda: | ||
Average total assets | $21,038,004,670 | 75 |
Average earning assets | $19,535,648,000 | 71 |
Average equity | $2,256,840,000 | 75 |
Average total loans | $17,829,619,670 | 58 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8356% | 789 |
Cost of funding earning assets | 0.4264% | 2,802 |
Net interest margin | 4.4092% | 726 |
Noninterest income to average assets | 2.0955% | 319 |
Noninterest expense to average assets | 4.3067% | 450 |
Loan and lease loss provision to assets | 0.3586% | 413 |
Net operating income to assets | 0.9924% | 2,317 |
Return on assets (ROA) | 0.9485% | 2,631 |
Pretax return on assets | 1.4755% | 1,673 |
Return on Equity (ROE) | 8.9353% | 2,456 |
Retained earnings to average equity (ytd only) | 6.6045% | 2,077 |
Net charge-offs to loans | 0.3364% | 663 |
Credit loss provision to net charge-offs | 125.6720% | 1,390 |
Earnings coverage of net charge-offs (x) | 6.5845% | 2,229 |
Efficiency ratio | 69.5136% | 3,213 |
Assets per employee ($millions) | 3.4175% | 4,934 |
Cash dividends to net income (ytd only)* | 26.0856% | 2,445 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8861% | 5,103 |
Loan loss allowance to noncurrent loans | 79.0790% | 4,103 |
Noncurrent assets plus other real estate owned to assets | 1.1482% | 1,917 |
Noncurrent loans to loans | 1.1206% | 2,153 |
Net loans and leases to total assets | 83.9327% | 377 |
Net loans and leases to deposits | 102.5234% | 484 |
Net loans and leases to core deposits | 110.4014% | 834 |
Total domestic deposits to total assets | 81.8668% | 4,262 |
Equity capital to assets | 10.5763% | 3,394 |
Core capital (leverage) ratio | 9.9250% | 3,632 |
Tier 1 risk-based capital ratio | 11.0657% | 5,474 |
Total risk-based capital ratio | 13.3317% | 4,775 |
Memoranda: | ||
Average total assets | $21,017,594,500 | 76 |
Average earning assets | $19,496,115,500 | 72 |
Average equity | $2,230,978,000 | 76 |
Average total loans | $17,829,108,000 | 57 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8952% | 775 |
Cost of funding earning assets | 0.3897% | 3,270 |
Net interest margin | 4.5055% | 642 |
Noninterest income to average assets | 2.1149% | 329 |
Noninterest expense to average assets | 4.4429% | 426 |
Loan and lease loss provision to assets | 0.2644% | 700 |
Net operating income to assets | 1.0281% | 2,215 |
Return on assets (ROA) | 0.9837% | 2,530 |
Pretax return on assets | 1.5296% | 1,464 |
Return on Equity (ROE) | 9.2807% | 2,329 |
Retained earnings to average equity (ytd only) | 8.1027% | 880 |
Net charge-offs to loans | 0.3532% | 840 |
Credit loss provision to net charge-offs | 87.3476% | 2,807 |
Earnings coverage of net charge-offs (x) | 6.0747% | 3,282 |
Efficiency ratio | 70.6016% | 3,125 |
Assets per employee ($millions) | 3.3041% | 5,147 |
Cash dividends to net income (ytd only)* | 12.6930% | 4,019 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8870% | 5,129 |
Loan loss allowance to noncurrent loans | 75.9916% | 4,222 |
Noncurrent assets plus other real estate owned to assets | 1.2333% | 1,741 |
Noncurrent loans to loans | 1.1672% | 2,029 |
Net loans and leases to total assets | 84.2265% | 369 |
Net loans and leases to deposits | 103.3357% | 474 |
Net loans and leases to core deposits | 110.6452% | 826 |
Total domestic deposits to total assets | 81.5076% | 4,332 |
Equity capital to assets | 10.6545% | 3,185 |
Core capital (leverage) ratio | 10.0396% | 3,455 |
Tier 1 risk-based capital ratio | 11.0738% | 5,482 |
Total risk-based capital ratio | 13.3733% | 4,775 |
Memoranda: | ||
Average total assets | $20,022,090,200 | 73 |
Average earning assets | $18,517,393,200 | 73 |
Average equity | $2,122,249,800 | 74 |
Average total loans | $17,160,590,000 | 58 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9187% | 739 |
Cost of funding earning assets | 0.3794% | 3,446 |
Net interest margin | 4.5393% | 600 |
Noninterest income to average assets | 2.0904% | 336 |
Noninterest expense to average assets | 4.4738% | 414 |
Loan and lease loss provision to assets | 0.2373% | 750 |
Net operating income to assets | 1.0207% | 2,374 |
Return on assets (ROA) | 0.9747% | 2,678 |
Pretax return on assets | 1.5313% | 1,597 |
Return on Equity (ROE) | 9.2083% | 2,463 |
Retained earnings to average equity (ytd only) | 8.3200% | 1,123 |
Net charge-offs to loans | 0.3534% | 745 |
Credit loss provision to net charge-offs | 78.1723% | 2,639 |
Earnings coverage of net charge-offs (x) | 5.9791% | 3,124 |
Efficiency ratio | 71.0118% | 3,045 |
Assets per employee ($millions) | 3.1471% | 5,366 |
Cash dividends to net income (ytd only)* | 9.6467% | 3,592 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8891% | 5,244 |
Loan loss allowance to noncurrent loans | 73.8700% | 4,311 |
Noncurrent assets plus other real estate owned to assets | 1.3259% | 1,767 |
Noncurrent loans to loans | 1.2036% | 2,125 |
Net loans and leases to total assets | 85.2271% | 279 |
Net loans and leases to deposits | 105.7449% | 376 |
Net loans and leases to core deposits | 113.1776% | 700 |
Total domestic deposits to total assets | 80.5970% | 4,579 |
Equity capital to assets | 10.7699% | 3,280 |
Core capital (leverage) ratio | 10.0087% | 3,614 |
Tier 1 risk-based capital ratio | 11.1479% | 5,577 |
Total risk-based capital ratio | 13.4944% | 4,824 |
Memoranda: | ||
Average total assets | $19,851,816,750 | 73 |
Average earning assets | $18,362,177,250 | 73 |
Average equity | $2,101,357,750 | 76 |
Average total loans | $17,052,331,500 | 56 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9339% | 678 |
Cost of funding earning assets | 0.3697% | 3,602 |
Net interest margin | 4.5642% | 560 |
Noninterest income to average assets | 2.0521% | 354 |
Noninterest expense to average assets | 4.4965% | 423 |
Loan and lease loss provision to assets | 0.2563% | 667 |
Net operating income to assets | 0.9869% | 2,460 |
Return on assets (ROA) | 0.9399% | 2,810 |
Pretax return on assets | 1.4701% | 1,727 |
Return on Equity (ROE) | 8.9323% | 2,586 |
Retained earnings to average equity (ytd only) | 8.3551% | 1,136 |
Net charge-offs to loans | 0.3913% | 665 |
Credit loss provision to net charge-offs | 76.2781% | 2,378 |
Earnings coverage of net charge-offs (x) | 5.2791% | 2,938 |
Efficiency ratio | 71.5847% | 3,059 |
Assets per employee ($millions) | 3.0955% | 5,478 |
Cash dividends to net income (ytd only)* | 6.4624% | 3,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9142% | 5,250 |
Loan loss allowance to noncurrent loans | 75.0228% | 4,347 |
Noncurrent assets plus other real estate owned to assets | 1.3406% | 1,871 |
Noncurrent loans to loans | 1.2185% | 2,216 |
Net loans and leases to total assets | 85.2520% | 282 |
Net loans and leases to deposits | 105.7442% | 383 |
Net loans and leases to core deposits | 112.6466% | 718 |
Total domestic deposits to total assets | 80.6210% | 4,713 |
Equity capital to assets | 10.6780% | 3,239 |
Core capital (leverage) ratio | 9.8124% | 3,846 |
Tier 1 risk-based capital ratio | 11.1252% | 5,653 |
Total risk-based capital ratio | 13.5269% | 4,852 |
Memoranda: | ||
Average total assets | $19,756,345,670 | 74 |
Average earning assets | $18,258,918,000 | 73 |
Average equity | $2,078,852,330 | 79 |
Average total loans | $16,964,041,670 | 55 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9147% | 679 |
Cost of funding earning assets | 0.3634% | 3,712 |
Net interest margin | 4.5512% | 551 |
Noninterest income to average assets | 1.9168% | 379 |
Noninterest expense to average assets | 4.5291% | 422 |
Loan and lease loss provision to assets | 0.2596% | 622 |
Net operating income to assets | 0.8577% | 2,973 |
Return on assets (ROA) | 0.8187% | 3,291 |
Pretax return on assets | 1.2903% | 2,327 |
Return on Equity (ROE) | 7.8390% | 3,047 |
Retained earnings to average equity (ytd only) | 7.8390% | 1,632 |
Net charge-offs to loans | 0.3061% | 776 |
Credit loss provision to net charge-offs | 98.8715% | 1,676 |
Earnings coverage of net charge-offs (x) | 6.0542% | 2,332 |
Efficiency ratio | 73.8930% | 2,836 |
Assets per employee ($millions) | 3.1644% | 5,461 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9479% | 5,256 |
Loan loss allowance to noncurrent loans | 72.6459% | 4,376 |
Noncurrent assets plus other real estate owned to assets | 1.4397% | 1,835 |
Noncurrent loans to loans | 1.3048% | 2,205 |
Net loans and leases to total assets | 85.6047% | 214 |
Net loans and leases to deposits | 106.1008% | 313 |
Net loans and leases to core deposits | 113.0913% | 605 |
Total domestic deposits to total assets | 80.6825% | 4,892 |
Equity capital to assets | 10.3991% | 3,652 |
Core capital (leverage) ratio | 9.7367% | 3,974 |
Tier 1 risk-based capital ratio | 10.9659% | 5,821 |
Total risk-based capital ratio | 13.4341% | 5,027 |
Memoranda: | ||
Average total assets | $19,710,320,500 | 73 |
Average earning assets | $18,197,042,000 | 72 |
Average equity | $2,058,568,500 | 79 |
Average total loans | $16,907,425,000 | 55 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1067% | 621 |
Cost of funding earning assets | 0.3409% | 4,356 |
Net interest margin | 4.7658% | 462 |
Noninterest income to average assets | 2.2105% | 293 |
Noninterest expense to average assets | 4.5898% | 427 |
Loan and lease loss provision to assets | 0.5061% | 301 |
Net operating income to assets | 0.9655% | 2,555 |
Return on assets (ROA) | 0.9257% | 2,838 |
Pretax return on assets | 1.4534% | 1,714 |
Return on Equity (ROE) | 8.9315% | 2,625 |
Retained earnings to average equity (ytd only) | 7.9623% | 1,030 |
Net charge-offs to loans | 1.1235% | 250 |
Credit loss provision to net charge-offs | 52.1571% | 3,440 |
Earnings coverage of net charge-offs (x) | 2.0605% | 4,262 |
Efficiency ratio | 69.5191% | 3,627 |
Assets per employee ($millions) | 2.9982% | 5,700 |
Cash dividends to net income (ytd only)* | 10.8511% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9929% | 5,099 |
Loan loss allowance to noncurrent loans | 74.9504% | 4,362 |
Noncurrent assets plus other real estate owned to assets | 1.4656% | 1,877 |
Noncurrent loans to loans | 1.3248% | 2,221 |
Net loans and leases to total assets | 84.2711% | 326 |
Net loans and leases to deposits | 104.7571% | 408 |
Net loans and leases to core deposits | 110.7186% | 747 |
Total domestic deposits to total assets | 80.4443% | 4,896 |
Equity capital to assets | 10.4905% | 3,496 |
Core capital (leverage) ratio | 9.6285% | 4,057 |
Tier 1 risk-based capital ratio | 11.2504% | 5,792 |
Total risk-based capital ratio | 13.0281% | 5,416 |
Memoranda: | ||
Average total assets | $18,915,107,200 | 72 |
Average earning assets | $17,379,523,200 | 69 |
Average equity | $1,960,450,000 | 79 |
Average total loans | $16,337,174,200 | 53 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1316% | 601 |
Cost of funding earning assets | 0.3349% | 4,519 |
Net interest margin | 4.7967% | 432 |
Noninterest income to average assets | 2.2282% | 290 |
Noninterest expense to average assets | 4.5994% | 420 |
Loan and lease loss provision to assets | 0.2849% | 713 |
Net operating income to assets | 1.1164% | 1,965 |
Return on assets (ROA) | 1.0737% | 2,208 |
Pretax return on assets | 1.7060% | 1,052 |
Return on Equity (ROE) | 10.3922% | 2,040 |
Retained earnings to average equity (ytd only) | 9.0871% | 963 |
Net charge-offs to loans | 0.5695% | 658 |
Credit loss provision to net charge-offs | 57.6915% | 2,983 |
Earnings coverage of net charge-offs (x) | 4.1192% | 3,535 |
Efficiency ratio | 69.2024% | 3,640 |
Assets per employee ($millions) | 2.9144% | 5,828 |
Cash dividends to net income (ytd only)* | 12.5581% | 3,473 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3470% | 3,407 |
Loan loss allowance to noncurrent loans | 79.0170% | 4,222 |
Noncurrent assets plus other real estate owned to assets | 1.8337% | 1,610 |
Noncurrent loans to loans | 1.7047% | 1,909 |
Net loans and leases to total assets | 85.5837% | 217 |
Net loans and leases to deposits | 106.1676% | 321 |
Net loans and leases to core deposits | 112.1400% | 655 |
Total domestic deposits to total assets | 80.6118% | 4,940 |
Equity capital to assets | 10.5424% | 3,505 |
Core capital (leverage) ratio | 9.7123% | 4,058 |
Tier 1 risk-based capital ratio | 11.0864% | 5,956 |
Total risk-based capital ratio | 13.1022% | 5,503 |
Memoranda: | ||
Average total assets | $18,787,611,000 | 72 |
Average earning assets | $17,254,178,250 | 69 |
Average equity | $1,941,117,250 | 80 |
Average total loans | $16,287,989,750 | 52 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1423% | 568 |
Cost of funding earning assets | 0.3225% | 4,731 |
Net interest margin | 4.8198% | 399 |
Noninterest income to average assets | 2.1474% | 312 |
Noninterest expense to average assets | 4.5826% | 414 |
Loan and lease loss provision to assets | 0.2610% | 811 |
Net operating income to assets | 1.1017% | 1,932 |
Return on assets (ROA) | 1.0566% | 2,172 |
Pretax return on assets | 1.6807% | 1,057 |
Return on Equity (ROE) | 10.2979% | 2,015 |
Retained earnings to average equity (ytd only) | 10.2979% | 655 |
Net charge-offs to loans | 0.5003% | 807 |
Credit loss provision to net charge-offs | 60.1825% | 2,637 |
Earnings coverage of net charge-offs (x) | 4.5815% | 3,079 |
Efficiency ratio | 69.6192% | 3,720 |
Assets per employee ($millions) | 2.8691% | 5,938 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4426% | 3,140 |
Loan loss allowance to noncurrent loans | 89.6964% | 3,895 |
Noncurrent assets plus other real estate owned to assets | 1.7378% | 1,876 |
Noncurrent loans to loans | 1.6083% | 2,159 |
Net loans and leases to total assets | 85.3814% | 222 |
Net loans and leases to deposits | 106.1121% | 299 |
Net loans and leases to core deposits | 112.0786% | 597 |
Total domestic deposits to total assets | 80.4634% | 5,142 |
Equity capital to assets | 10.4606% | 3,489 |
Core capital (leverage) ratio | 9.4892% | 4,349 |
Tier 1 risk-based capital ratio | 11.0680% | 6,022 |
Total risk-based capital ratio | 13.0979% | 5,553 |
Memoranda: | ||
Average total assets | $18,698,736,330 | 71 |
Average earning assets | $17,155,788,330 | 68 |
Average equity | $1,918,568,000 | 78 |
Average total loans | $16,207,330,330 | 51 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1015% | 594 |
Cost of funding earning assets | 0.3165% | 4,903 |
Net interest margin | 4.7850% | 395 |
Noninterest income to average assets | 2.1590% | 298 |
Noninterest expense to average assets | 4.6500% | 398 |
Loan and lease loss provision to assets | 0.3116% | 605 |
Net operating income to assets | 1.0113% | 2,169 |
Return on assets (ROA) | 0.9744% | 2,371 |
Pretax return on assets | 1.5501% | 1,291 |
Return on Equity (ROE) | 9.5917% | 2,205 |
Retained earnings to average equity (ytd only) | 9.5917% | 1,079 |
Net charge-offs to loans | 0.4856% | 758 |
Credit loss provision to net charge-offs | 74.0067% | 1,960 |
Earnings coverage of net charge-offs (x) | 4.5092% | 2,517 |
Efficiency ratio | 70.8691% | 3,675 |
Assets per employee ($millions) | 2.8421% | 6,053 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5128% | 3,087 |
Loan loss allowance to noncurrent loans | 91.1461% | 3,853 |
Noncurrent assets plus other real estate owned to assets | 1.7783% | 1,975 |
Noncurrent loans to loans | 1.6597% | 2,334 |
Net loans and leases to total assets | 85.5085% | 164 |
Net loans and leases to deposits | 107.5534% | 202 |
Net loans and leases to core deposits | 113.1052% | 489 |
Total domestic deposits to total assets | 79.5033% | 5,600 |
Equity capital to assets | 10.1872% | 3,612 |
Core capital (leverage) ratio | 9.3889% | 4,436 |
Tier 1 risk-based capital ratio | 10.8484% | 6,222 |
Total risk-based capital ratio | 12.8857% | 5,789 |
Memoranda: | ||
Average total assets | $18,603,005,500 | 72 |
Average earning assets | $17,065,878,500 | 69 |
Average equity | $1,889,842,500 | 76 |
Average total loans | $16,128,594,500 | 51 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2028% | 636 |
Cost of funding earning assets | 0.3707% | 4,946 |
Net interest margin | 4.8321% | 404 |
Noninterest income to average assets | 2.0966% | 368 |
Noninterest expense to average assets | 4.5559% | 503 |
Loan and lease loss provision to assets | 0.6430% | 376 |
Net operating income to assets | 0.8671% | 2,936 |
Return on assets (ROA) | 0.8310% | 3,215 |
Pretax return on assets | 1.2909% | 2,195 |
Return on Equity (ROE) | 8.4893% | 2,783 |
Retained earnings to average equity (ytd only) | 8.4893% | 909 |
Net charge-offs to loans | 0.8478% | 727 |
Credit loss provision to net charge-offs | 88.9263% | 2,794 |
Earnings coverage of net charge-offs (x) | 2.7227% | 4,092 |
Efficiency ratio | 69.6300% | 3,898 |
Assets per employee ($millions) | 2.7458% | 6,172 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5837% | 2,826 |
Loan loss allowance to noncurrent loans | 90.1111% | 3,876 |
Noncurrent assets plus other real estate owned to assets | 1.8961% | 1,913 |
Noncurrent loans to loans | 1.7575% | 2,294 |
Net loans and leases to total assets | 85.2020% | 192 |
Net loans and leases to deposits | 107.5538% | 217 |
Net loans and leases to core deposits | 112.3051% | 523 |
Total domestic deposits to total assets | 79.2180% | 5,616 |
Equity capital to assets | 10.1298% | 3,588 |
Core capital (leverage) ratio | 9.2304% | 4,672 |
Tier 1 risk-based capital ratio | 10.8414% | 6,247 |
Total risk-based capital ratio | 13.0670% | 5,664 |
Memoranda: | ||
Average total assets | $18,407,898,600 | 68 |
Average earning assets | $16,869,213,000 | 68 |
Average equity | $1,802,013,600 | 77 |
Average total loans | $15,700,571,000 | 53 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2054% | 637 |
Cost of funding earning assets | 0.3819% | 4,981 |
Net interest margin | 4.8235% | 408 |
Noninterest income to average assets | 2.0685% | 402 |
Noninterest expense to average assets | 4.4834% | 528 |
Loan and lease loss provision to assets | 0.6922% | 316 |
Net operating income to assets | 0.8628% | 3,031 |
Return on assets (ROA) | 0.8204% | 3,371 |
Pretax return on assets | 1.2709% | 2,446 |
Return on Equity (ROE) | 8.4542% | 2,900 |
Retained earnings to average equity (ytd only) | 8.4542% | 1,233 |
Net charge-offs to loans | 0.8637% | 675 |
Credit loss provision to net charge-offs | 94.3085% | 2,525 |
Earnings coverage of net charge-offs (x) | 2.7328% | 3,926 |
Efficiency ratio | 68.8853% | 3,936 |
Assets per employee ($millions) | 2.7986% | 6,156 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6514% | 2,795 |
Loan loss allowance to noncurrent loans | 91.6355% | 3,694 |
Noncurrent assets plus other real estate owned to assets | 1.9056% | 2,129 |
Noncurrent loans to loans | 1.8021% | 2,495 |
Net loans and leases to total assets | 84.5289% | 214 |
Net loans and leases to deposits | 106.8005% | 215 |
Net loans and leases to core deposits | 110.5176% | 563 |
Total domestic deposits to total assets | 79.1465% | 5,718 |
Equity capital to assets | 9.9609% | 3,953 |
Core capital (leverage) ratio | 9.0196% | 5,099 |
Tier 1 risk-based capital ratio | 10.7536% | 6,379 |
Total risk-based capital ratio | 12.9952% | 5,882 |
Memoranda: | ||
Average total assets | $18,410,663,500 | 67 |
Average earning assets | $16,872,855,250 | 68 |
Average equity | $1,786,626,250 | 78 |
Average total loans | $15,644,037,000 | 54 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2164% | 618 |
Cost of funding earning assets | 0.3833% | 5,099 |
Net interest margin | 4.8331% | 413 |
Noninterest income to average assets | 1.9656% | 456 |
Noninterest expense to average assets | 4.4094% | 573 |
Loan and lease loss provision to assets | 0.7710% | 283 |
Net operating income to assets | 0.8059% | 3,259 |
Return on assets (ROA) | 0.7603% | 3,663 |
Pretax return on assets | 1.1672% | 2,816 |
Return on Equity (ROE) | 7.9045% | 3,141 |
Retained earnings to average equity (ytd only) | 7.9045% | 1,526 |
Net charge-offs to loans | 0.9289% | 668 |
Credit loss provision to net charge-offs | 98.0561% | 2,282 |
Earnings coverage of net charge-offs (x) | 2.5231% | 3,684 |
Efficiency ratio | 68.7440% | 4,052 |
Assets per employee ($millions) | 2.7908% | 6,177 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6934% | 2,802 |
Loan loss allowance to noncurrent loans | 81.0156% | 3,991 |
Noncurrent assets plus other real estate owned to assets | 2.1400% | 2,013 |
Noncurrent loans to loans | 2.0902% | 2,291 |
Net loans and leases to total assets | 83.6828% | 254 |
Net loans and leases to deposits | 106.8504% | 203 |
Net loans and leases to core deposits | 110.7546% | 532 |
Total domestic deposits to total assets | 78.3177% | 5,921 |
Equity capital to assets | 9.7131% | 4,291 |
Core capital (leverage) ratio | 8.7984% | 5,292 |
Tier 1 risk-based capital ratio | 10.6170% | 6,472 |
Total risk-based capital ratio | 12.8715% | 5,993 |
Memoranda: | ||
Average total assets | $18,411,166,330 | 66 |
Average earning assets | $16,866,790,330 | 66 |
Average equity | $1,770,931,330 | 77 |
Average total loans | $15,584,600,330 | 53 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1963% | 608 |
Cost of funding earning assets | 0.3941% | 5,163 |
Net interest margin | 4.8022% | 400 |
Noninterest income to average assets | 1.8757% | 472 |
Noninterest expense to average assets | 4.3492% | 606 |
Loan and lease loss provision to assets | 0.8342% | 256 |
Net operating income to assets | 0.7016% | 3,680 |
Return on assets (ROA) | 0.6619% | 4,052 |
Pretax return on assets | 1.0486% | 3,153 |
Return on Equity (ROE) | 6.9156% | 3,533 |
Retained earnings to average equity (ytd only) | 6.9156% | 2,191 |
Net charge-offs to loans | 1.0779% | 555 |
Credit loss provision to net charge-offs | 91.6850% | 1,997 |
Earnings coverage of net charge-offs (x) | 2.1129% | 3,125 |
Efficiency ratio | 69.0647% | 4,135 |
Assets per employee ($millions) | 2.8607% | 6,200 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6861% | 3,064 |
Loan loss allowance to noncurrent loans | 66.8420% | 4,455 |
Noncurrent assets plus other real estate owned to assets | 2.5154% | 1,828 |
Noncurrent loans to loans | 2.5225% | 2,044 |
Net loans and leases to total assets | 82.9257% | 239 |
Net loans and leases to deposits | 106.4161% | 191 |
Net loans and leases to core deposits | 110.1089% | 495 |
Total domestic deposits to total assets | 77.9259% | 6,119 |
Equity capital to assets | 9.5619% | 4,771 |
Core capital (leverage) ratio | 8.6476% | 5,394 |
Tier 1 risk-based capital ratio | 10.4298% | 6,597 |
Total risk-based capital ratio | 12.7839% | 6,136 |
Memoranda: | ||
Average total assets | $18,404,206,500 | 65 |
Average earning assets | $16,847,615,500 | 66 |
Average equity | $1,761,577,000 | 78 |
Average total loans | $15,534,788,000 | 51 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4505% | 688 |
Cost of funding earning assets | 0.5879% | 4,466 |
Net interest margin | 4.8627% | 486 |
Noninterest income to average assets | 2.0731% | 410 |
Noninterest expense to average assets | 7.4409% | 127 |
Loan and lease loss provision to assets | 1.3602% | 252 |
Net operating income to assets | -1.4201% | 6,843 |
Return on assets (ROA) | -1.1398% | 6,796 |
Pretax return on assets | -1.8549% | 6,911 |
Return on Equity (ROE) | -12.1226% | 6,770 |
Retained earnings to average equity (ytd only) | -13.1749% | 6,737 |
Net charge-offs to loans | 1.5676% | 555 |
Credit loss provision to net charge-offs | 104.8465% | 2,844 |
Earnings coverage of net charge-offs (x) | -0.7337% | 5,718 |
Efficiency ratio | 114.5395% | 266 |
Assets per employee ($millions) | 2.7980% | 6,321 |
Cash dividends to net income (ytd only)* | -8.6811% | 7,028 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7306% | 2,816 |
Loan loss allowance to noncurrent loans | 61.0923% | 4,621 |
Noncurrent assets plus other real estate owned to assets | 2.9245% | 1,625 |
Noncurrent loans to loans | 2.8327% | 1,858 |
Net loans and leases to total assets | 83.0090% | 267 |
Net loans and leases to deposits | 106.8401% | 206 |
Net loans and leases to core deposits | 110.9010% | 509 |
Total domestic deposits to total assets | 77.6946% | 6,127 |
Equity capital to assets | 9.5815% | 4,775 |
Core capital (leverage) ratio | 8.5766% | 5,495 |
Tier 1 risk-based capital ratio | 10.3285% | 6,604 |
Total risk-based capital ratio | 12.8704% | 5,981 |
Memoranda: | ||
Average total assets | $18,191,920,000 | 64 |
Average earning assets | $16,520,620,400 | 63 |
Average equity | $1,710,415,600 | 78 |
Average total loans | $15,055,303,800 | 49 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4864% | 700 |
Cost of funding earning assets | 0.6397% | 4,284 |
Net interest margin | 4.8467% | 526 |
Noninterest income to average assets | 2.0517% | 406 |
Noninterest expense to average assets | 8.3639% | 101 |
Loan and lease loss provision to assets | 1.4596% | 222 |
Net operating income to assets | -2.1059% | 7,051 |
Return on assets (ROA) | -1.7198% | 7,015 |
Pretax return on assets | -2.7529% | 7,099 |
Return on Equity (ROE) | -18.3796% | 6,969 |
Retained earnings to average equity (ytd only) | -19.7910% | 6,971 |
Net charge-offs to loans | 1.6915% | 485 |
Credit loss provision to net charge-offs | 104.8111% | 2,807 |
Earnings coverage of net charge-offs (x) | -1.3765% | 5,609 |
Efficiency ratio | 129.6073% | 152 |
Assets per employee ($millions) | 2.7737% | 6,388 |
Cash dividends to net income (ytd only)* | -7.6796% | 7,129 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7399% | 2,995 |
Loan loss allowance to noncurrent loans | 55.3801% | 4,881 |
Noncurrent assets plus other real estate owned to assets | 3.3457% | 1,514 |
Noncurrent loans to loans | 3.1417% | 1,764 |
Net loans and leases to total assets | 83.5120% | 250 |
Net loans and leases to deposits | 108.4750% | 184 |
Net loans and leases to core deposits | 113.2988% | 451 |
Total domestic deposits to total assets | 76.9873% | 6,234 |
Equity capital to assets | 9.4161% | 5,309 |
Core capital (leverage) ratio | 8.2921% | 6,021 |
Tier 1 risk-based capital ratio | 9.9627% | 6,806 |
Total risk-based capital ratio | 12.5198% | 6,341 |
Memoranda: | ||
Average total assets | $18,171,452,000 | 65 |
Average earning assets | $16,479,006,000 | 64 |
Average equity | $1,700,295,250 | 79 |
Average total loans | $14,960,126,500 | 50 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4892% | 735 |
Cost of funding earning assets | 0.7342% | 3,733 |
Net interest margin | 4.7549% | 609 |
Noninterest income to average assets | 2.0268% | 395 |
Noninterest expense to average assets | 10.3424% | 75 |
Loan and lease loss provision to assets | 1.1244% | 375 |
Net operating income to assets | -3.2032% | 7,164 |
Return on assets (ROA) | -2.7028% | 7,144 |
Pretax return on assets | -4.3188% | 7,200 |
Return on Equity (ROE) | -28.9450% | 7,090 |
Retained earnings to average equity (ytd only) | -30.1181% | 7,093 |
Net charge-offs to loans | 1.1314% | 954 |
Credit loss provision to net charge-offs | 122.0039% | 2,251 |
Earnings coverage of net charge-offs (x) | -4.3371% | 5,440 |
Efficiency ratio | 162.8758% | 78 |
Assets per employee ($millions) | 2.7371% | 6,493 |
Cash dividends to net income (ytd only)* | -4.0528% | 7,195 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7985% | 2,862 |
Loan loss allowance to noncurrent loans | 71.0927% | 4,151 |
Noncurrent assets plus other real estate owned to assets | 2.8576% | 1,930 |
Noncurrent loans to loans | 2.5297% | 2,382 |
Net loans and leases to total assets | 83.6041% | 232 |
Net loans and leases to deposits | 107.7786% | 187 |
Net loans and leases to core deposits | 112.8950% | 482 |
Total domestic deposits to total assets | 77.5702% | 6,238 |
Equity capital to assets | 9.3822% | 5,216 |
Core capital (leverage) ratio | 8.2936% | 5,916 |
Tier 1 risk-based capital ratio | 10.1119% | 6,794 |
Total risk-based capital ratio | 12.6921% | 6,227 |
Memoranda: | ||
Average total assets | $18,258,577,000 | 66 |
Average earning assets | $16,582,893,000 | 65 |
Average equity | $1,704,916,000 | 80 |
Average total loans | $14,872,866,000 | 51 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5434% | 702 |
Cost of funding earning assets | 1.0541% | 1,651 |
Net interest margin | 4.4892% | 1,030 |
Noninterest income to average assets | 1.7688% | 491 |
Noninterest expense to average assets | 16.1844% | 46 |
Loan and lease loss provision to assets | 1.0533% | 387 |
Net operating income to assets | -7.1217% | 7,287 |
Return on assets (ROA) | -6.0883% | 7,283 |
Pretax return on assets | -9.7679% | 7,299 |
Return on Equity (ROE) | -65.3538% | 7,247 |
Retained earnings to average equity (ytd only) | -67.6830% | 7,243 |
Net charge-offs to loans | 1.0603% | 973 |
Credit loss provision to net charge-offs | 124.6809% | 1,919 |
Earnings coverage of net charge-offs (x) | -12.2477% | 4,695 |
Efficiency ratio | 277.1044% | 22 |
Assets per employee ($millions) | 2.7575% | 6,568 |
Cash dividends to net income (ytd only)* | -3.5639% | 7,267 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7442% | 3,180 |
Loan loss allowance to noncurrent loans | 70.7071% | 4,011 |
Noncurrent assets plus other real estate owned to assets | 2.8127% | 2,086 |
Noncurrent loans to loans | 2.4668% | 2,641 |
Net loans and leases to total assets | 83.6626% | 191 |
Net loans and leases to deposits | 116.6691% | 87 |
Net loans and leases to core deposits | 119.9755% | 311 |
Total domestic deposits to total assets | 71.7094% | 6,893 |
Equity capital to assets | 8.9862% | 5,514 |
Core capital (leverage) ratio | 7.4679% | 6,655 |
Tier 1 risk-based capital ratio | 9.6888% | 6,937 |
Total risk-based capital ratio | 11.5970% | 6,780 |
Memoranda: | ||
Average total assets | $18,434,952,500 | 65 |
Average earning assets | $16,709,954,000 | 64 |
Average equity | $1,717,389,500 | 79 |
Average total loans | $14,687,215,000 | 54 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5452% | 1,067 |
Cost of funding earning assets | 1.2947% | 1,506 |
Net interest margin | 4.2505% | 1,882 |
Noninterest income to average assets | 2.1522% | 337 |
Noninterest expense to average assets | 3.9525% | 1,109 |
Loan and lease loss provision to assets | 1.0689% | 856 |
Net operating income to assets | 0.6541% | 3,727 |
Return on assets (ROA) | 0.6549% | 3,916 |
Pretax return on assets | 1.0357% | 3,099 |
Return on Equity (ROE) | 7.1043% | 3,352 |
Retained earnings to average equity (ytd only) | 5.4011% | 2,370 |
Net charge-offs to loans | 1.4506% | 1,119 |
Credit loss provision to net charge-offs | 95.1944% | 3,791 |
Earnings coverage of net charge-offs (x) | 1.8599% | 4,378 |
Efficiency ratio | 65.4046% | 4,882 |
Assets per employee ($millions) | 3.0946% | 5,908 |
Cash dividends to net income (ytd only)* | 23.9748% | 3,373 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8050% | 2,851 |
Loan loss allowance to noncurrent loans | 69.0229% | 4,100 |
Noncurrent assets plus other real estate owned to assets | 2.6590% | 2,290 |
Noncurrent loans to loans | 2.6151% | 2,500 |
Net loans and leases to total assets | 73.1777% | 1,415 |
Net loans and leases to deposits | 112.3766% | 137 |
Net loans and leases to core deposits | 114.5019% | 484 |
Total domestic deposits to total assets | 65.1183% | 7,154 |
Equity capital to assets | 9.6259% | 4,709 |
Core capital (leverage) ratio | 8.3298% | 5,814 |
Tier 1 risk-based capital ratio | 11.5315% | 6,146 |
Total risk-based capital ratio | 13.6687% | 5,494 |
Memoranda: | ||
Average total assets | $18,789,244,400 | 63 |
Average earning assets | $17,190,404,600 | 62 |
Average equity | $1,731,992,400 | 79 |
Average total loans | $14,544,216,200 | 52 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5813% | 1,078 |
Cost of funding earning assets | 1.3138% | 1,630 |
Net interest margin | 4.2676% | 1,837 |
Noninterest income to average assets | 2.2781% | 309 |
Noninterest expense to average assets | 3.9972% | 1,006 |
Loan and lease loss provision to assets | 1.0077% | 849 |
Net operating income to assets | 0.7481% | 3,391 |
Return on assets (ROA) | 0.7289% | 3,651 |
Pretax return on assets | 1.1686% | 2,748 |
Return on Equity (ROE) | 7.9969% | 3,038 |
Retained earnings to average equity (ytd only) | 5.6935% | 2,750 |
Net charge-offs to loans | 1.3940% | 1,082 |
Credit loss provision to net charge-offs | 92.5088% | 3,686 |
Earnings coverage of net charge-offs (x) | 2.0110% | 4,139 |
Efficiency ratio | 64.5835% | 4,968 |
Assets per employee ($millions) | 3.1041% | 5,889 |
Cash dividends to net income (ytd only)* | 28.8035% | 2,525 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7736% | 3,028 |
Loan loss allowance to noncurrent loans | 70.3136% | 3,956 |
Noncurrent assets plus other real estate owned to assets | 2.5747% | 2,504 |
Noncurrent loans to loans | 2.5224% | 2,748 |
Net loans and leases to total assets | 73.6873% | 1,376 |
Net loans and leases to deposits | 112.6195% | 150 |
Net loans and leases to core deposits | 115.8388% | 501 |
Total domestic deposits to total assets | 65.4303% | 7,215 |
Equity capital to assets | 9.5063% | 5,072 |
Core capital (leverage) ratio | 8.6712% | 5,455 |
Tier 1 risk-based capital ratio | 11.9975% | 5,895 |
Total risk-based capital ratio | 14.1272% | 5,161 |
Memoranda: | ||
Average total assets | $18,734,800,500 | 62 |
Average earning assets | $17,163,819,000 | 62 |
Average equity | $1,707,593,500 | 79 |
Average total loans | $14,639,126,250 | 51 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6302% | 1,019 |
Cost of funding earning assets | 1.3319% | 1,749 |
Net interest margin | 4.2983% | 1,664 |
Noninterest income to average assets | 2.2819% | 305 |
Noninterest expense to average assets | 4.0519% | 972 |
Loan and lease loss provision to assets | 0.9596% | 924 |
Net operating income to assets | 0.7561% | 3,259 |
Return on assets (ROA) | 0.7273% | 3,521 |
Pretax return on assets | 1.1744% | 2,575 |
Return on Equity (ROE) | 8.0986% | 2,905 |
Retained earnings to average equity (ytd only) | 5.2860% | 2,821 |
Net charge-offs to loans | 1.3523% | 1,128 |
Credit loss provision to net charge-offs | 89.5863% | 3,461 |
Earnings coverage of net charge-offs (x) | 2.0193% | 3,854 |
Efficiency ratio | 65.1829% | 5,029 |
Assets per employee ($millions) | 2.9904% | 6,110 |
Cash dividends to net income (ytd only)* | 34.7289% | 2,292 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7460% | 3,167 |
Loan loss allowance to noncurrent loans | 67.4188% | 4,068 |
Noncurrent assets plus other real estate owned to assets | 2.7519% | 2,431 |
Noncurrent loans to loans | 2.5898% | 2,786 |
Net loans and leases to total assets | 76.7367% | 958 |
Net loans and leases to deposits | 119.8769% | 89 |
Net loans and leases to core deposits | 122.3146% | 369 |
Total domestic deposits to total assets | 64.0129% | 7,316 |
Equity capital to assets | 9.1578% | 5,343 |
Core capital (leverage) ratio | 8.6322% | 5,341 |
Tier 1 risk-based capital ratio | 11.5994% | 6,092 |
Total risk-based capital ratio | 13.7145% | 5,359 |
Memoranda: | ||
Average total assets | $18,608,043,000 | 66 |
Average earning assets | $17,026,089,670 | 66 |
Average equity | $1,671,078,330 | 81 |
Average total loans | $14,738,930,000 | 54 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7879% | 755 |
Cost of funding earning assets | 1.3578% | 1,838 |
Net interest margin | 4.4301% | 1,217 |
Noninterest income to average assets | 2.1697% | 328 |
Noninterest expense to average assets | 4.0687% | 957 |
Loan and lease loss provision to assets | 0.9765% | 795 |
Net operating income to assets | 0.7350% | 3,346 |
Return on assets (ROA) | 0.7136% | 3,525 |
Pretax return on assets | 1.1499% | 2,564 |
Return on Equity (ROE) | 8.0266% | 2,897 |
Retained earnings to average equity (ytd only) | 3.9023% | 3,830 |
Net charge-offs to loans | 1.5092% | 901 |
Credit loss provision to net charge-offs | 81.1188% | 3,137 |
Earnings coverage of net charge-offs (x) | 1.7841% | 3,412 |
Efficiency ratio | 65.4351% | 5,134 |
Assets per employee ($millions) | 2.9651% | 6,207 |
Cash dividends to net income (ytd only)* | 51.3828% | 1,435 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7255% | 3,254 |
Loan loss allowance to noncurrent loans | 68.0473% | 4,012 |
Noncurrent assets plus other real estate owned to assets | 2.7803% | 2,478 |
Noncurrent loans to loans | 2.5357% | 2,947 |
Net loans and leases to total assets | 78.1419% | 712 |
Net loans and leases to deposits | 120.2137% | 92 |
Net loans and leases to core deposits | 122.8062% | 368 |
Total domestic deposits to total assets | 65.0025% | 7,354 |
Equity capital to assets | 8.9592% | 5,268 |
Core capital (leverage) ratio | 8.5841% | 5,291 |
Tier 1 risk-based capital ratio | 11.3024% | 6,256 |
Total risk-based capital ratio | 13.5103% | 5,469 |
Memoranda: | ||
Average total assets | $18,544,657,500 | 66 |
Average earning assets | $16,939,707,000 | 66 |
Average equity | $1,648,769,000 | 81 |
Average total loans | $14,792,422,500 | 54 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9417% | 959 |
Cost of funding earning assets | 1.5443% | 2,379 |
Net interest margin | 4.3975% | 1,482 |
Noninterest income to average assets | 2.6569% | 270 |
Noninterest expense to average assets | 4.1240% | 999 |
Loan and lease loss provision to assets | 1.2994% | 1,183 |
Net operating income to assets | 0.7848% | 2,872 |
Return on assets (ROA) | 0.8766% | 2,617 |
Pretax return on assets | 1.3943% | 1,679 |
Return on Equity (ROE) | 10.5219% | 1,753 |
Retained earnings to average equity (ytd only) | 10.2580% | 472 |
Net charge-offs to loans | 1.4608% | 1,513 |
Credit loss provision to net charge-offs | 109.9252% | 4,012 |
Earnings coverage of net charge-offs (x) | 2.1489% | 4,112 |
Efficiency ratio | 61.8693% | 5,748 |
Assets per employee ($millions) | 2.8930% | 6,344 |
Cash dividends to net income (ytd only)* | 2.5079% | 3,915 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7975% | 2,873 |
Loan loss allowance to noncurrent loans | 65.6859% | 4,105 |
Noncurrent assets plus other real estate owned to assets | 2.9532% | 2,381 |
Noncurrent loans to loans | 2.7365% | 2,783 |
Net loans and leases to total assets | 78.5825% | 864 |
Net loans and leases to deposits | 124.8375% | 94 |
Net loans and leases to core deposits | 126.6546% | 381 |
Total domestic deposits to total assets | 62.9478% | 7,466 |
Equity capital to assets | 8.8219% | 5,399 |
Core capital (leverage) ratio | 8.2394% | 5,769 |
Tier 1 risk-based capital ratio | 10.9147% | 6,397 |
Total risk-based capital ratio | 13.3054% | 5,406 |
Memoranda: | ||
Average total assets | $18,195,749,400 | 63 |
Average earning assets | $16,581,010,200 | 64 |
Average equity | $1,515,875,600 | 82 |
Average total loans | $14,724,393,000 | 54 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9762% | 982 |
Cost of funding earning assets | 1.5648% | 2,584 |
Net interest margin | 4.4114% | 1,490 |
Noninterest income to average assets | 2.7376% | 245 |
Noninterest expense to average assets | 4.1552% | 875 |
Loan and lease loss provision to assets | 1.1681% | 1,233 |
Net operating income to assets | 0.8978% | 2,617 |
Return on assets (ROA) | 0.9240% | 2,655 |
Pretax return on assets | 1.4851% | 1,651 |
Return on Equity (ROE) | 11.2607% | 1,705 |
Retained earnings to average equity (ytd only) | 11.2607% | 566 |
Net charge-offs to loans | 1.3610% | 1,489 |
Credit loss provision to net charge-offs | 105.7605% | 4,045 |
Earnings coverage of net charge-offs (x) | 2.3562% | 3,996 |
Efficiency ratio | 61.4757% | 5,714 |
Assets per employee ($millions) | 2.8729% | 6,439 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6992% | 3,151 |
Loan loss allowance to noncurrent loans | 58.3367% | 4,426 |
Noncurrent assets plus other real estate owned to assets | 3.1101% | 2,325 |
Noncurrent loans to loans | 2.9127% | 2,742 |
Net loans and leases to total assets | 79.8803% | 771 |
Net loans and leases to deposits | 127.1832% | 78 |
Net loans and leases to core deposits | 128.9115% | 398 |
Total domestic deposits to total assets | 62.8072% | 7,543 |
Equity capital to assets | 9.0257% | 5,547 |
Core capital (leverage) ratio | 8.3631% | 5,765 |
Tier 1 risk-based capital ratio | 10.6676% | 6,658 |
Total risk-based capital ratio | 13.0527% | 5,614 |
Memoranda: | ||
Average total assets | $18,124,548,000 | 65 |
Average earning assets | $16,516,498,500 | 65 |
Average equity | $1,487,259,500 | 82 |
Average total loans | $14,708,415,250 | 53 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0254% | 887 |
Cost of funding earning assets | 1.5895% | 2,716 |
Net interest margin | 4.4359% | 1,360 |
Noninterest income to average assets | 2.7489% | 242 |
Noninterest expense to average assets | 4.1759% | 835 |
Loan and lease loss provision to assets | 1.1022% | 1,297 |
Net operating income to assets | 0.9451% | 2,386 |
Return on assets (ROA) | 0.9270% | 2,544 |
Pretax return on assets | 1.4939% | 1,572 |
Return on Equity (ROE) | 11.6918% | 1,531 |
Retained earnings to average equity (ytd only) | 11.6918% | 536 |
Net charge-offs to loans | 1.2609% | 1,512 |
Credit loss provision to net charge-offs | 107.7676% | 3,780 |
Earnings coverage of net charge-offs (x) | 2.5570% | 3,722 |
Efficiency ratio | 61.4763% | 5,772 |
Assets per employee ($millions) | 2.7849% | 6,605 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7189% | 3,003 |
Loan loss allowance to noncurrent loans | 62.8423% | 4,187 |
Noncurrent assets plus other real estate owned to assets | 2.8726% | 2,508 |
Noncurrent loans to loans | 2.7352% | 2,913 |
Net loans and leases to total assets | 79.7295% | 843 |
Net loans and leases to deposits | 124.2985% | 97 |
Net loans and leases to core deposits | 125.1760% | 538 |
Total domestic deposits to total assets | 64.1436% | 7,582 |
Equity capital to assets | 8.9553% | 5,515 |
Core capital (leverage) ratio | 8.0789% | 6,156 |
Tier 1 risk-based capital ratio | 10.5871% | 6,618 |
Total risk-based capital ratio | 12.9949% | 5,508 |
Memoranda: | ||
Average total assets | $18,055,469,000 | 62 |
Average earning assets | $16,453,136,000 | 63 |
Average equity | $1,431,487,670 | 85 |
Average total loans | $14,645,686,670 | 52 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0094% | 965 |
Cost of funding earning assets | 1.6071% | 2,920 |
Net interest margin | 4.4023% | 1,385 |
Noninterest income to average assets | 2.5980% | 243 |
Noninterest expense to average assets | 4.1975% | 810 |
Loan and lease loss provision to assets | 1.1183% | 1,096 |
Net operating income to assets | 0.8075% | 2,931 |
Return on assets (ROA) | 0.7994% | 3,069 |
Pretax return on assets | 1.2841% | 2,095 |
Return on Equity (ROE) | 10.7800% | 1,845 |
Retained earnings to average equity (ytd only) | 10.7800% | 968 |
Net charge-offs to loans | 1.2160% | 1,398 |
Credit loss provision to net charge-offs | 113.3814% | 3,060 |
Earnings coverage of net charge-offs (x) | 2.4448% | 3,317 |
Efficiency ratio | 63.4987% | 5,586 |
Assets per employee ($millions) | 2.8002% | 6,649 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7029% | 3,052 |
Loan loss allowance to noncurrent loans | 67.2043% | 3,996 |
Noncurrent assets plus other real estate owned to assets | 2.6058% | 2,800 |
Noncurrent loans to loans | 2.5339% | 3,135 |
Net loans and leases to total assets | 79.4351% | 921 |
Net loans and leases to deposits | 121.1315% | 124 |
Net loans and leases to core deposits | 122.7504% | 682 |
Total domestic deposits to total assets | 65.5776% | 7,630 |
Equity capital to assets | 7.9458% | 6,713 |
Core capital (leverage) ratio | 7.3912% | 6,944 |
Tier 1 risk-based capital ratio | 9.6167% | 7,239 |
Total risk-based capital ratio | 12.1276% | 6,251 |
Memoranda: | ||
Average total assets | $18,060,033,500 | 61 |
Average earning assets | $16,454,263,500 | 63 |
Average equity | $1,339,182,500 | 89 |
Average total loans | $14,648,583,500 | 51 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0584% | 1,646 |
Cost of funding earning assets | 1.9538% | 3,190 |
Net interest margin | 4.1046% | 2,422 |
Noninterest income to average assets | 2.7089% | 254 |
Noninterest expense to average assets | 4.3073% | 977 |
Loan and lease loss provision to assets | 1.4674% | 1,572 |
Net operating income to assets | 0.4400% | 3,971 |
Return on assets (ROA) | 0.5608% | 3,563 |
Pretax return on assets | 0.8504% | 3,085 |
Return on Equity (ROE) | 7.3283% | 2,651 |
Retained earnings to average equity (ytd only) | 4.9549% | 1,842 |
Net charge-offs to loans | 1.3317% | 1,872 |
Credit loss provision to net charge-offs | 138.6200% | 3,544 |
Earnings coverage of net charge-offs (x) | 2.0177% | 4,212 |
Efficiency ratio | 66.8461% | 5,217 |
Assets per employee ($millions) | 2.6978% | 6,860 |
Cash dividends to net income (ytd only)* | 32.3867% | 3,228 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6755% | 2,988 |
Loan loss allowance to noncurrent loans | 70.1835% | 3,904 |
Noncurrent assets plus other real estate owned to assets | 2.5389% | 2,758 |
Noncurrent loans to loans | 2.3873% | 3,178 |
Net loans and leases to total assets | 80.0503% | 986 |
Net loans and leases to deposits | 123.4355% | 135 |
Net loans and leases to core deposits | 127.1925% | 1,439 |
Total domestic deposits to total assets | 64.8519% | 7,678 |
Equity capital to assets | 6.8763% | 7,427 |
Core capital (leverage) ratio | 6.2740% | 7,566 |
Tier 1 risk-based capital ratio | 8.1071% | 7,637 |
Total risk-based capital ratio | 10.6994% | 7,237 |
Memoranda: | ||
Average total assets | $17,618,106,400 | 66 |
Average earning assets | $16,028,821,800 | 65 |
Average equity | $1,348,286,200 | 88 |
Average total loans | $14,004,834,400 | 56 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0597% | 1,799 |
Cost of funding earning assets | 2.0265% | 3,228 |
Net interest margin | 4.0332% | 2,669 |
Noninterest income to average assets | 2.6551% | 251 |
Noninterest expense to average assets | 4.2087% | 1,023 |
Loan and lease loss provision to assets | 1.3829% | 1,390 |
Net operating income to assets | 0.4825% | 4,065 |
Return on assets (ROA) | 0.5952% | 3,680 |
Pretax return on assets | 0.9086% | 3,202 |
Return on Equity (ROE) | 7.6855% | 2,775 |
Retained earnings to average equity (ytd only) | 4.5198% | 2,744 |
Net charge-offs to loans | 1.3303% | 1,538 |
Credit loss provision to net charge-offs | 131.3314% | 3,812 |
Earnings coverage of net charge-offs (x) | 2.0123% | 4,312 |
Efficiency ratio | 66.5134% | 5,286 |
Assets per employee ($millions) | 2.7269% | 6,793 |
Cash dividends to net income (ytd only)* | 41.1909% | 2,386 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5106% | 3,381 |
Loan loss allowance to noncurrent loans | 65.9258% | 4,017 |
Noncurrent assets plus other real estate owned to assets | 2.3971% | 2,875 |
Noncurrent loans to loans | 2.2913% | 3,275 |
Net loans and leases to total assets | 79.7298% | 1,227 |
Net loans and leases to deposits | 121.5550% | 179 |
Net loans and leases to core deposits | 127.8103% | 1,599 |
Total domestic deposits to total assets | 65.5915% | 7,706 |
Equity capital to assets | 6.8215% | 7,670 |
Core capital (leverage) ratio | 6.1141% | 7,780 |
Tier 1 risk-based capital ratio | 7.9421% | 7,800 |
Total risk-based capital ratio | 10.5704% | 7,470 |
Memoranda: | ||
Average total assets | $17,402,080,250 | 70 |
Average earning assets | $15,845,692,250 | 69 |
Average equity | $1,347,731,250 | 91 |
Average total loans | $13,774,420,000 | 60 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0863% | 1,832 |
Cost of funding earning assets | 2.1165% | 3,196 |
Net interest margin | 3.9698% | 2,830 |
Noninterest income to average assets | 2.5884% | 254 |
Noninterest expense to average assets | 4.2095% | 1,059 |
Loan and lease loss provision to assets | 1.2133% | 1,419 |
Net operating income to assets | 0.4848% | 4,142 |
Return on assets (ROA) | 0.6496% | 3,576 |
Pretax return on assets | 1.0325% | 2,874 |
Return on Equity (ROE) | 8.0632% | 2,746 |
Retained earnings to average equity (ytd only) | 3.4819% | 3,375 |
Net charge-offs to loans | 1.2385% | 1,490 |
Credit loss provision to net charge-offs | 124.7252% | 3,732 |
Earnings coverage of net charge-offs (x) | 2.0440% | 4,063 |
Efficiency ratio | 67.9193% | 5,164 |
Assets per employee ($millions) | 2.5901% | 7,075 |
Cash dividends to net income (ytd only)* | 56.8172% | 1,792 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3902% | 3,779 |
Loan loss allowance to noncurrent loans | 66.7527% | 4,091 |
Noncurrent assets plus other real estate owned to assets | 2.2338% | 2,909 |
Noncurrent loans to loans | 2.0826% | 3,411 |
Net loans and leases to total assets | 78.9287% | 1,541 |
Net loans and leases to deposits | 118.5382% | 265 |
Net loans and leases to core deposits | 125.6151% | 1,908 |
Total domestic deposits to total assets | 66.5851% | 7,704 |
Equity capital to assets | 6.7077% | 7,750 |
Core capital (leverage) ratio | 5.9383% | 7,938 |
Tier 1 risk-based capital ratio | 8.0266% | 7,911 |
Total risk-based capital ratio | 10.6999% | 7,388 |
Memoranda: | ||
Average total assets | $17,339,131,000 | 73 |
Average earning assets | $15,765,285,670 | 72 |
Average equity | $1,396,987,670 | 92 |
Average total loans | $13,619,120,000 | 63 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0522% | 2,141 |
Cost of funding earning assets | 2.2166% | 3,080 |
Net interest margin | 3.8356% | 3,312 |
Noninterest income to average assets | 2.2957% | 284 |
Noninterest expense to average assets | 3.9604% | 1,232 |
Loan and lease loss provision to assets | 1.0054% | 1,298 |
Net operating income to assets | 0.5189% | 4,347 |
Return on assets (ROA) | 0.6926% | 3,781 |
Pretax return on assets | 1.0780% | 3,068 |
Return on Equity (ROE) | 7.9325% | 3,176 |
Retained earnings to average equity (ytd only) | -0.5215% | 5,771 |
Net charge-offs to loans | 1.0320% | 1,306 |
Credit loss provision to net charge-offs | 125.2349% | 3,170 |
Earnings coverage of net charge-offs (x) | 2.2569% | 3,606 |
Efficiency ratio | 68.6094% | 4,849 |
Assets per employee ($millions) | 2.6830% | 6,924 |
Cash dividends to net income (ytd only)* | 106.5743% | 695 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3186% | 3,969 |
Loan loss allowance to noncurrent loans | 73.8787% | 3,923 |
Noncurrent assets plus other real estate owned to assets | 1.7617% | 3,281 |
Noncurrent loans to loans | 1.7848% | 3,583 |
Net loans and leases to total assets | 75.2734% | 2,434 |
Net loans and leases to deposits | 116.5155% | 373 |
Net loans and leases to core deposits | 125.1872% | 1,980 |
Total domestic deposits to total assets | 64.6038% | 7,815 |
Equity capital to assets | 8.4394% | 6,164 |
Core capital (leverage) ratio | 8.0664% | 6,354 |
Tier 1 risk-based capital ratio | 10.5110% | 6,386 |
Total risk-based capital ratio | 13.2752% | 4,829 |
Memoranda: | ||
Average total assets | $17,340,825,500 | 72 |
Average earning assets | $15,718,034,500 | 73 |
Average equity | $1,514,070,000 | 85 |
Average total loans | $13,490,788,000 | 64 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5605% | 2,667 |
Cost of funding earning assets | 2.4640% | 4,399 |
Net interest margin | 4.0965% | 2,725 |
Noninterest income to average assets | 2.8502% | 216 |
Noninterest expense to average assets | 4.1424% | 1,214 |
Loan and lease loss provision to assets | 1.1666% | 1,244 |
Net operating income to assets | 0.7927% | 3,466 |
Return on assets (ROA) | 0.8553% | 3,042 |
Pretax return on assets | 1.3483% | 2,135 |
Return on Equity (ROE) | 12.0993% | 1,567 |
Retained earnings to average equity (ytd only) | 1.5183% | 4,315 |
Net charge-offs to loans | 0.7778% | 1,599 |
Credit loss provision to net charge-offs | 190.7533% | 2,578 |
Earnings coverage of net charge-offs (x) | 3.9522% | 4,168 |
Efficiency ratio | 63.1509% | 5,747 |
Assets per employee ($millions) | 2.4669% | 7,263 |
Cash dividends to net income (ytd only)* | 87.4510% | 1,395 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2968% | 3,805 |
Loan loss allowance to noncurrent loans | 81.8037% | 4,057 |
Noncurrent assets plus other real estate owned to assets | 1.6328% | 2,982 |
Noncurrent loans to loans | 1.5852% | 3,399 |
Net loans and leases to total assets | 78.4024% | 2,024 |
Net loans and leases to deposits | 127.2366% | 254 |
Net loans and leases to core deposits | 140.0561% | 1,267 |
Total domestic deposits to total assets | 61.6194% | 7,904 |
Equity capital to assets | 9.0454% | 5,314 |
Core capital (leverage) ratio | 8.4105% | 5,740 |
Tier 1 risk-based capital ratio | 11.0587% | 5,676 |
Total risk-based capital ratio | 13.9321% | 4,220 |
Memoranda: | ||
Average total assets | $16,416,731,400 | 76 |
Average earning assets | $14,864,895,200 | 76 |
Average equity | $1,160,547,600 | 100 |
Average total loans | $12,908,967,800 | 67 |