Home > Banco Bilbao Vizcaya Argentaria Puerto Rico > Performance and Condition Ratios
Banco Bilbao Vizcaya Argentaria Puerto Rico, Performance and Condition Ratios
| 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 | 5.5942% | 562 |
| Cost of funding earning assets | 1.5298% | 173 |
| Net interest margin | 4.0644% | 2,236 |
| Noninterest income to average assets | 0.5841% | 3,388 |
| Noninterest expense to average assets | 2.5060% | 5,059 |
| Loan and lease loss provision to assets | 0.6586% | 794 |
| Net operating income to assets | 0.7224% | 3,815 |
| Return on assets (ROA) | 0.8055% | 3,667 |
| Pretax return on assets | 1.1197% | 3,275 |
| Return on Equity (ROE) | 6.7673% | 3,925 |
| Retained earnings to average equity (ytd only) | 6.7673% | 2,240 |
| Net charge-offs to loans | 1.3787% | 659 |
| Credit loss provision to net charge-offs | 65.0708% | 4,024 |
| Earnings coverage of net charge-offs (x) | 1.6428% | 4,458 |
| Efficiency ratio | 60.1121% | 5,475 |
| Assets per employee ($millions) | 5.1157% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1991% | 595 |
| Loan loss allowance to noncurrent loans | 51.0852% | 5,068 |
| Noncurrent assets plus other real estate owned to assets | 5.8430% | 703 |
| Noncurrent loans to loans | 6.2622% | 629 |
| Net loans and leases to total assets | 72.1353% | 1,533 |
| Net loans and leases to deposits | 104.0219% | 281 |
| Net loans and leases to core deposits | 173.9807% | 63 |
| Total domestic deposits to total assets | 69.3463% | 6,875 |
| Equity capital to assets | 12.4268% | 1,946 |
| Core capital (leverage) ratio | 9.2125% | 4,740 |
| Tier 1 risk-based capital ratio | 12.8985% | 5,332 |
| Total risk-based capital ratio | 15.6201% | 4,253 |
| Memoranda: | ||
| Average total assets | $5,040,488,750 | 173 |
| Average earning assets | $4,445,647,750 | 173 |
| Average equity | $599,971,250 | 176 |
| Average total loans | $3,700,476,250 | 159 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5815% | 598 |
| Cost of funding earning assets | 1.6210% | 142 |
| Net interest margin | 3.9605% | 2,677 |
| Noninterest income to average assets | 0.6128% | 3,180 |
| Noninterest expense to average assets | 2.5038% | 5,122 |
| Loan and lease loss provision to assets | 0.6711% | 838 |
| Net operating income to assets | 0.6611% | 4,057 |
| Return on assets (ROA) | 0.7607% | 3,822 |
| Pretax return on assets | 1.0493% | 3,520 |
| Return on Equity (ROE) | 6.4844% | 4,055 |
| Retained earnings to average equity (ytd only) | 6.4844% | 2,392 |
| Net charge-offs to loans | 1.0658% | 1,029 |
| Credit loss provision to net charge-offs | 86.1894% | 3,156 |
| Earnings coverage of net charge-offs (x) | 2.0342% | 3,974 |
| Efficiency ratio | 61.2533% | 5,374 |
| Assets per employee ($millions) | 5.1775% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4849% | 500 |
| Loan loss allowance to noncurrent loans | 51.4138% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 6.2655% | 666 |
| Noncurrent loans to loans | 6.7781% | 593 |
| Net loans and leases to total assets | 71.3717% | 1,664 |
| Net loans and leases to deposits | 103.3341% | 297 |
| Net loans and leases to core deposits | 176.1297% | 66 |
| Total domestic deposits to total assets | 69.0689% | 6,951 |
| Equity capital to assets | 12.0533% | 2,114 |
| Core capital (leverage) ratio | 8.5982% | 5,523 |
| Tier 1 risk-based capital ratio | 12.0113% | 5,926 |
| Total risk-based capital ratio | 15.3327% | 4,347 |
| Memoranda: | ||
| Average total assets | $5,066,590,330 | 172 |
| Average earning assets | $4,445,248,670 | 174 |
| Average equity | $594,414,000 | 174 |
| Average total loans | $3,701,375,330 | 159 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5731% | 664 |
| Cost of funding earning assets | 1.6272% | 168 |
| Net interest margin | 3.9459% | 2,741 |
| Noninterest income to average assets | 0.7026% | 2,652 |
| Noninterest expense to average assets | 2.5318% | 5,055 |
| Loan and lease loss provision to assets | 0.7848% | 632 |
| Net operating income to assets | 0.5765% | 4,461 |
| Return on assets (ROA) | 0.6726% | 4,233 |
| Pretax return on assets | 0.9592% | 3,837 |
| Return on Equity (ROE) | 5.8113% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.8113% | 3,066 |
| Net charge-offs to loans | 0.9967% | 1,040 |
| Credit loss provision to net charge-offs | 108.4363% | 2,157 |
| Earnings coverage of net charge-offs (x) | 2.2200% | 3,277 |
| Efficiency ratio | 61.1754% | 5,429 |
| Assets per employee ($millions) | 5.4266% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5843% | 507 |
| Loan loss allowance to noncurrent loans | 52.4002% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 6.2616% | 729 |
| Noncurrent loans to loans | 6.8402% | 669 |
| Net loans and leases to total assets | 68.9926% | 1,949 |
| Net loans and leases to deposits | 108.9718% | 150 |
| Net loans and leases to core deposits | 174.9521% | 67 |
| Total domestic deposits to total assets | 63.3123% | 7,152 |
| Equity capital to assets | 11.4583% | 2,478 |
| Core capital (leverage) ratio | 8.7271% | 5,255 |
| Tier 1 risk-based capital ratio | 11.5495% | 6,253 |
| Total risk-based capital ratio | 14.8490% | 4,742 |
| Memoranda: | ||
| Average total assets | $5,096,587,000 | 170 |
| Average earning assets | $4,438,009,500 | 173 |
| Average equity | $589,890,000 | 172 |
| Average total loans | $3,700,904,500 | 157 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8138% | 624 |
| Cost of funding earning assets | 1.9069% | 144 |
| Net interest margin | 3.9069% | 3,308 |
| Noninterest income to average assets | 0.6663% | 2,799 |
| Noninterest expense to average assets | 2.5253% | 5,378 |
| Loan and lease loss provision to assets | 0.6339% | 1,612 |
| Net operating income to assets | 0.5574% | 4,198 |
| Return on assets (ROA) | 0.6538% | 3,922 |
| Pretax return on assets | 0.9850% | 3,294 |
| Return on Equity (ROE) | 5.6722% | 4,042 |
| Retained earnings to average equity (ytd only) | 5.6722% | 2,191 |
| Net charge-offs to loans | 1.7522% | 853 |
| Credit loss provision to net charge-offs | 49.7572% | 5,426 |
| Earnings coverage of net charge-offs (x) | 1.1560% | 4,925 |
| Efficiency ratio | 63.1631% | 5,266 |
| Assets per employee ($millions) | 5.2914% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5702% | 511 |
| Loan loss allowance to noncurrent loans | 53.1992% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 6.2641% | 762 |
| Noncurrent loans to loans | 6.7110% | 681 |
| Net loans and leases to total assets | 71.0757% | 1,809 |
| Net loans and leases to deposits | 120.0411% | 85 |
| Net loans and leases to core deposits | 182.8084% | 75 |
| Total domestic deposits to total assets | 59.2095% | 7,237 |
| Equity capital to assets | 11.6939% | 2,345 |
| Core capital (leverage) ratio | 8.6049% | 5,390 |
| Tier 1 risk-based capital ratio | 11.3256% | 6,280 |
| Total risk-based capital ratio | 14.6429% | 4,747 |
| Memoranda: | ||
| Average total assets | $4,898,328,800 | 170 |
| Average earning assets | $4,177,123,200 | 177 |
| Average equity | $564,592,400 | 176 |
| Average total loans | $3,561,465,800 | 159 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8219% | 674 |
| Cost of funding earning assets | 1.9866% | 124 |
| Net interest margin | 3.8352% | 3,695 |
| Noninterest income to average assets | 0.7398% | 2,369 |
| Noninterest expense to average assets | 2.5289% | 5,357 |
| Loan and lease loss provision to assets | 0.6586% | 1,475 |
| Net operating income to assets | 0.5461% | 4,338 |
| Return on assets (ROA) | 0.6774% | 3,906 |
| Pretax return on assets | 1.0135% | 3,356 |
| Return on Equity (ROE) | 5.8989% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.8989% | 2,615 |
| Net charge-offs to loans | 1.7161% | 806 |
| Credit loss provision to net charge-offs | 52.9712% | 4,970 |
| Earnings coverage of net charge-offs (x) | 1.1872% | 4,735 |
| Efficiency ratio | 63.1440% | 5,206 |
| Assets per employee ($millions) | 5.2017% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0413% | 380 |
| Loan loss allowance to noncurrent loans | 49.7384% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 6.8226% | 740 |
| Noncurrent loans to loans | 8.1252% | 537 |
| Net loans and leases to total assets | 69.2517% | 2,230 |
| Net loans and leases to deposits | 114.5485% | 123 |
| Net loans and leases to core deposits | 172.6118% | 85 |
| Total domestic deposits to total assets | 60.4562% | 7,293 |
| Equity capital to assets | 11.9002% | 2,334 |
| Core capital (leverage) ratio | 8.2696% | 6,024 |
| Tier 1 risk-based capital ratio | 11.4867% | 6,249 |
| Total risk-based capital ratio | 14.9366% | 4,554 |
| Memoranda: | ||
| Average total assets | $4,868,856,750 | 171 |
| Average earning assets | $4,145,291,000 | 178 |
| Average equity | $559,093,000 | 178 |
| Average total loans | $3,527,503,750 | 159 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8245% | 683 |
| Cost of funding earning assets | 2.0667% | 117 |
| Net interest margin | 3.7578% | 3,996 |
| Noninterest income to average assets | 0.7603% | 2,207 |
| Noninterest expense to average assets | 2.4866% | 5,594 |
| Loan and lease loss provision to assets | 0.8236% | 1,111 |
| Net operating income to assets | 0.4448% | 4,746 |
| Return on assets (ROA) | 0.5680% | 4,344 |
| Pretax return on assets | 0.8207% | 3,943 |
| Return on Equity (ROE) | 5.0072% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.0072% | 3,001 |
| Net charge-offs to loans | 1.6997% | 845 |
| Credit loss provision to net charge-offs | 66.7955% | 4,146 |
| Earnings coverage of net charge-offs (x) | 1.1887% | 4,392 |
| Efficiency ratio | 62.9153% | 5,416 |
| Assets per employee ($millions) | 5.1829% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3879% | 307 |
| Loan loss allowance to noncurrent loans | 51.0001% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 7.0147% | 727 |
| Noncurrent loans to loans | 8.6037% | 499 |
| Net loans and leases to total assets | 68.0953% | 2,593 |
| Net loans and leases to deposits | 113.9643% | 124 |
| Net loans and leases to core deposits | 174.0314% | 91 |
| Total domestic deposits to total assets | 59.7515% | 7,377 |
| Equity capital to assets | 11.4155% | 2,584 |
| Core capital (leverage) ratio | 7.7692% | 6,534 |
| Tier 1 risk-based capital ratio | 11.0492% | 6,485 |
| Total risk-based capital ratio | 15.1965% | 4,178 |
| Memoranda: | ||
| Average total assets | $4,868,867,670 | 173 |
| Average earning assets | $4,135,739,000 | 179 |
| Average equity | $552,324,000 | 182 |
| Average total loans | $3,532,090,670 | 162 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8203% | 713 |
| Cost of funding earning assets | 2.1172% | 114 |
| Net interest margin | 3.7031% | 4,084 |
| Noninterest income to average assets | 0.8459% | 1,863 |
| Noninterest expense to average assets | 2.4847% | 5,609 |
| Loan and lease loss provision to assets | 0.8292% | 1,005 |
| Net operating income to assets | 0.4097% | 4,903 |
| Return on assets (ROA) | 0.4964% | 4,587 |
| Pretax return on assets | 0.8191% | 3,834 |
| Return on Equity (ROE) | 4.3900% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.3900% | 3,538 |
| Net charge-offs to loans | 1.0573% | 1,292 |
| Credit loss provision to net charge-offs | 107.1185% | 2,494 |
| Earnings coverage of net charge-offs (x) | 1.9543% | 3,334 |
| Efficiency ratio | 62.1572% | 5,656 |
| Assets per employee ($millions) | 5.2607% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6292% | 258 |
| Loan loss allowance to noncurrent loans | 49.9645% | 5,021 |
| Noncurrent assets plus other real estate owned to assets | 7.4968% | 672 |
| Noncurrent loans to loans | 9.2650% | 467 |
| Net loans and leases to total assets | 69.4422% | 2,236 |
| Net loans and leases to deposits | 115.1644% | 123 |
| Net loans and leases to core deposits | 193.2476% | 81 |
| Total domestic deposits to total assets | 60.2984% | 7,431 |
| Equity capital to assets | 11.3142% | 2,402 |
| Core capital (leverage) ratio | 7.6785% | 6,575 |
| Tier 1 risk-based capital ratio | 10.5729% | 6,766 |
| Total risk-based capital ratio | 14.6625% | 4,474 |
| Memoranda: | ||
| Average total assets | $4,849,177,000 | 176 |
| Average earning assets | $4,126,867,000 | 180 |
| Average equity | $548,335,500 | 184 |
| Average total loans | $3,550,299,000 | 161 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7112% | 1,532 |
| Cost of funding earning assets | 2.1275% | 387 |
| Net interest margin | 3.5838% | 4,890 |
| Noninterest income to average assets | 0.7653% | 2,455 |
| Noninterest expense to average assets | 2.3175% | 6,309 |
| Loan and lease loss provision to assets | 1.5749% | 921 |
| Net operating income to assets | -0.0448% | 5,924 |
| Return on assets (ROA) | 0.1294% | 5,653 |
| Pretax return on assets | 0.1304% | 5,640 |
| Return on Equity (ROE) | 1.2166% | 5,644 |
| Retained earnings to average equity (ytd only) | 1.2166% | 4,944 |
| Net charge-offs to loans | 2.6440% | 690 |
| Credit loss provision to net charge-offs | 83.2248% | 5,422 |
| Earnings coverage of net charge-offs (x) | 0.8082% | 5,323 |
| Efficiency ratio | 60.2440% | 6,009 |
| Assets per employee ($millions) | 5.2811% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5919% | 258 |
| Loan loss allowance to noncurrent loans | 50.1337% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 7.4074% | 715 |
| Noncurrent loans to loans | 9.1594% | 502 |
| Net loans and leases to total assets | 70.2383% | 2,488 |
| Net loans and leases to deposits | 124.6712% | 96 |
| Net loans and leases to core deposits | 195.1872% | 86 |
| Total domestic deposits to total assets | 56.3389% | 7,535 |
| Equity capital to assets | 11.3014% | 2,407 |
| Core capital (leverage) ratio | 7.3816% | 6,801 |
| Tier 1 risk-based capital ratio | 10.1792% | 6,884 |
| Total risk-based capital ratio | 14.2378% | 4,575 |
| Memoranda: | ||
| Average total assets | $5,112,368,400 | 168 |
| Average earning assets | $4,395,932,800 | 168 |
| Average equity | $543,543,000 | 180 |
| Average total loans | $3,658,948,200 | 152 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7153% | 1,666 |
| Cost of funding earning assets | 2.1249% | 491 |
| Net interest margin | 3.5904% | 4,919 |
| Noninterest income to average assets | 0.8104% | 2,186 |
| Noninterest expense to average assets | 2.3261% | 6,246 |
| Loan and lease loss provision to assets | 1.6972% | 755 |
| Net operating income to assets | -0.0886% | 6,171 |
| Return on assets (ROA) | 0.0595% | 6,001 |
| Pretax return on assets | 0.1028% | 5,908 |
| Return on Equity (ROE) | 0.5683% | 5,998 |
| Retained earnings to average equity (ytd only) | 0.5683% | 5,572 |
| Net charge-offs to loans | 2.8395% | 567 |
| Credit loss provision to net charge-offs | 84.0757% | 4,994 |
| Earnings coverage of net charge-offs (x) | 0.7770% | 5,285 |
| Efficiency ratio | 59.7245% | 5,994 |
| Assets per employee ($millions) | 5.7613% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6790% | 220 |
| Loan loss allowance to noncurrent loans | 48.0051% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 7.3907% | 715 |
| Noncurrent loans to loans | 9.7470% | 447 |
| Net loans and leases to total assets | 67.2918% | 3,383 |
| Net loans and leases to deposits | 116.7910% | 147 |
| Net loans and leases to core deposits | 191.3398% | 98 |
| Total domestic deposits to total assets | 57.6173% | 7,622 |
| Equity capital to assets | 10.7444% | 3,235 |
| Core capital (leverage) ratio | 7.3140% | 6,995 |
| Tier 1 risk-based capital ratio | 9.9939% | 7,073 |
| Total risk-based capital ratio | 14.0173% | 4,737 |
| Memoranda: | ||
| Average total assets | $5,182,406,500 | 166 |
| Average earning assets | $4,451,900,750 | 165 |
| Average equity | $542,902,250 | 178 |
| Average total loans | $3,684,329,750 | 146 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6636% | 1,896 |
| Cost of funding earning assets | 2.1193% | 616 |
| Net interest margin | 3.5442% | 5,071 |
| Noninterest income to average assets | 0.7930% | 2,157 |
| Noninterest expense to average assets | 2.1920% | 6,664 |
| Loan and lease loss provision to assets | 1.1371% | 1,266 |
| Net operating income to assets | 0.3619% | 4,925 |
| Return on assets (ROA) | 0.4361% | 4,754 |
| Pretax return on assets | 0.6640% | 4,355 |
| Return on Equity (ROE) | 4.1979% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.1979% | 3,396 |
| Net charge-offs to loans | 2.0765% | 870 |
| Credit loss provision to net charge-offs | 76.8554% | 4,795 |
| Earnings coverage of net charge-offs (x) | 1.1414% | 4,649 |
| Efficiency ratio | 56.4839% | 6,577 |
| Assets per employee ($millions) | 6.0840% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8308% | 195 |
| Loan loss allowance to noncurrent loans | 50.5555% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 7.3962% | 688 |
| Noncurrent loans to loans | 9.5555% | 481 |
| Net loans and leases to total assets | 66.5715% | 3,719 |
| Net loans and leases to deposits | 121.4077% | 111 |
| Net loans and leases to core deposits | 183.4637% | 113 |
| Total domestic deposits to total assets | 54.8330% | 7,712 |
| Equity capital to assets | 11.0518% | 2,807 |
| Core capital (leverage) ratio | 7.5474% | 6,785 |
| Tier 1 risk-based capital ratio | 10.0452% | 6,996 |
| Total risk-based capital ratio | 14.2888% | 4,363 |
| Memoranda: | ||
| Average total assets | $5,223,739,330 | 165 |
| Average earning assets | $4,550,780,000 | 164 |
| Average equity | $542,704,330 | 176 |
| Average total loans | $3,722,112,000 | 146 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6692% | 1,889 |
| Cost of funding earning assets | 2.1121% | 784 |
| Net interest margin | 3.5572% | 4,913 |
| Noninterest income to average assets | 0.9179% | 1,564 |
| Noninterest expense to average assets | 2.1552% | 6,791 |
| Loan and lease loss provision to assets | 1.0695% | 1,155 |
| Net operating income to assets | 0.5405% | 4,182 |
| Return on assets (ROA) | 0.5714% | 4,171 |
| Pretax return on assets | 0.8867% | 3,515 |
| Return on Equity (ROE) | 5.6724% | 4,026 |
| Retained earnings to average equity (ytd only) | 5.6724% | 2,776 |
| Net charge-offs to loans | 1.5433% | 1,126 |
| Credit loss provision to net charge-offs | 96.4215% | 3,514 |
| Earnings coverage of net charge-offs (x) | 1.7200% | 3,699 |
| Efficiency ratio | 53.0429% | 7,054 |
| Assets per employee ($millions) | 6.1998% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7597% | 212 |
| Loan loss allowance to noncurrent loans | 51.7259% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 7.1794% | 742 |
| Noncurrent loans to loans | 9.2018% | 516 |
| Net loans and leases to total assets | 70.2181% | 2,879 |
| Net loans and leases to deposits | 134.1799% | 67 |
| Net loans and leases to core deposits | 207.8975% | 95 |
| Total domestic deposits to total assets | 52.3313% | 7,820 |
| Equity capital to assets | 10.6414% | 3,103 |
| Core capital (leverage) ratio | 7.1696% | 7,133 |
| Tier 1 risk-based capital ratio | 9.3071% | 7,390 |
| Total risk-based capital ratio | 13.3086% | 5,103 |
| Memoranda: | ||
| Average total assets | $5,310,757,500 | 165 |
| Average earning assets | $4,695,666,000 | 163 |
| Average equity | $535,016,000 | 178 |
| Average total loans | $3,817,018,000 | 146 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 4,753 |
| Cost of funding earning assets | 2.1233% | 2,350 |
| Net interest margin | 3.2639% | 5,877 |
| Noninterest income to average assets | 0.6441% | 3,328 |
| Noninterest expense to average assets | 2.0311% | 7,317 |
| Loan and lease loss provision to assets | 4.3299% | 284 |
| Net operating income to assets | -1.7304% | 6,976 |
| Return on assets (ROA) | -1.6712% | 6,951 |
| Pretax return on assets | -2.6655% | 7,197 |
| Return on Equity (ROE) | -18.9394% | 7,107 |
| Retained earnings to average equity (ytd only) | -18.9394% | 7,065 |
| Net charge-offs to loans | 3.5422% | 544 |
| Credit loss provision to net charge-offs | 174.6823% | 2,408 |
| Earnings coverage of net charge-offs (x) | 0.6342% | 5,461 |
| Efficiency ratio | 56.3705% | 6,966 |
| Assets per employee ($millions) | 6.6736% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6378% | 222 |
| Loan loss allowance to noncurrent loans | 50.8207% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 6.7219% | 779 |
| Noncurrent loans to loans | 9.1259% | 488 |
| Net loans and leases to total assets | 66.9054% | 3,949 |
| Net loans and leases to deposits | 133.8232% | 74 |
| Net loans and leases to core deposits | 206.6534% | 88 |
| Total domestic deposits to total assets | 49.9954% | 7,904 |
| Equity capital to assets | 9.5498% | 4,351 |
| Core capital (leverage) ratio | 6.5521% | 7,467 |
| Tier 1 risk-based capital ratio | 8.8013% | 7,538 |
| Total risk-based capital ratio | 12.7297% | 5,376 |
| Memoranda: | ||
| Average total assets | $5,864,005,800 | 153 |
| Average earning assets | $5,316,225,200 | 153 |
| Average equity | $517,449,600 | 180 |
| Average total loans | $4,103,478,200 | 142 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3170% | 5,331 |
| Cost of funding earning assets | 2.1450% | 2,679 |
| Net interest margin | 3.1720% | 6,113 |
| Noninterest income to average assets | 0.6488% | 3,354 |
| Noninterest expense to average assets | 2.0128% | 7,358 |
| Loan and lease loss provision to assets | 2.0571% | 865 |
| Net operating income to assets | -0.3344% | 6,247 |
| Return on assets (ROA) | -0.2581% | 6,159 |
| Pretax return on assets | -0.4082% | 6,208 |
| Return on Equity (ROE) | -2.9817% | 6,239 |
| Retained earnings to average equity (ytd only) | -2.9817% | 5,931 |
| Net charge-offs to loans | 2.0611% | 948 |
| Credit loss provision to net charge-offs | 142.7132% | 3,430 |
| Earnings coverage of net charge-offs (x) | 1.0612% | 4,996 |
| Efficiency ratio | 56.8189% | 6,891 |
| Assets per employee ($millions) | 6.8168% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3728% | 1,203 |
| Loan loss allowance to noncurrent loans | 29.7898% | 6,471 |
| Noncurrent assets plus other real estate owned to assets | 6.1484% | 858 |
| Noncurrent loans to loans | 7.9652% | 613 |
| Net loans and leases to total assets | 71.7199% | 3,105 |
| Net loans and leases to deposits | 149.4309% | 52 |
| Net loans and leases to core deposits | 213.8105% | 77 |
| Total domestic deposits to total assets | 47.9953% | 7,988 |
| Equity capital to assets | 9.0777% | 5,371 |
| Core capital (leverage) ratio | 6.8533% | 7,518 |
| Tier 1 risk-based capital ratio | 8.9499% | 7,641 |
| Total risk-based capital ratio | 12.7269% | 5,396 |
| Memoranda: | ||
| Average total assets | $5,950,246,500 | 159 |
| Average earning assets | $5,428,121,500 | 160 |
| Average equity | $515,047,750 | 182 |
| Average total loans | $4,161,317,500 | 149 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2499% | 5,870 |
| Cost of funding earning assets | 2.1571% | 3,003 |
| Net interest margin | 3.0928% | 6,269 |
| Noninterest income to average assets | 0.5865% | 3,797 |
| Noninterest expense to average assets | 1.9838% | 7,488 |
| Loan and lease loss provision to assets | 1.5570% | 1,092 |
| Net operating income to assets | -0.0784% | 5,971 |
| Return on assets (ROA) | 0.0010% | 5,911 |
| Pretax return on assets | -0.0022% | 5,873 |
| Return on Equity (ROE) | 0.0120% | 5,916 |
| Retained earnings to average equity (ytd only) | 0.0120% | 5,196 |
| Net charge-offs to loans | 1.4195% | 1,324 |
| Credit loss provision to net charge-offs | 159.3477% | 2,884 |
| Earnings coverage of net charge-offs (x) | 1.4641% | 4,436 |
| Efficiency ratio | 58.1002% | 6,852 |
| Assets per employee ($millions) | 6.3495% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1596% | 1,303 |
| Loan loss allowance to noncurrent loans | 32.7713% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 4.9065% | 1,098 |
| Noncurrent loans to loans | 6.5898% | 787 |
| Net loans and leases to total assets | 69.2973% | 3,881 |
| Net loans and leases to deposits | 145.6452% | 65 |
| Net loans and leases to core deposits | 277.2271% | 46 |
| Total domestic deposits to total assets | 47.5795% | 8,074 |
| Equity capital to assets | 8.9020% | 5,450 |
| Core capital (leverage) ratio | 6.8621% | 7,625 |
| Tier 1 risk-based capital ratio | 9.2797% | 7,556 |
| Total risk-based capital ratio | 13.2730% | 4,825 |
| Memoranda: | ||
| Average total assets | $6,049,949,330 | 163 |
| Average earning assets | $5,531,956,330 | 161 |
| Average equity | $515,733,000 | 186 |
| Average total loans | $4,164,591,670 | 153 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 6,355 |
| Cost of funding earning assets | 2.0947% | 3,684 |
| Net interest margin | 3.0904% | 6,229 |
| Noninterest income to average assets | 0.5479% | 3,943 |
| Noninterest expense to average assets | 1.8540% | 7,629 |
| Loan and lease loss provision to assets | 1.1004% | 1,189 |
| Net operating income to assets | 0.2978% | 5,307 |
| Return on assets (ROA) | 0.2978% | 5,479 |
| Pretax return on assets | 0.4242% | 5,327 |
| Return on Equity (ROE) | 3.5669% | 5,144 |
| Retained earnings to average equity (ytd only) | 3.5669% | 3,911 |
| Net charge-offs to loans | 0.9629% | 1,385 |
| Credit loss provision to net charge-offs | 168.3002% | 2,544 |
| Earnings coverage of net charge-offs (x) | 2.3317% | 3,570 |
| Efficiency ratio | 54.8750% | 7,119 |
| Assets per employee ($millions) | 6.7947% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8769% | 1,675 |
| Loan loss allowance to noncurrent loans | 35.6700% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 3.6423% | 1,455 |
| Noncurrent loans to loans | 5.2618% | 1,010 |
| Net loans and leases to total assets | 64.4047% | 4,918 |
| Net loans and leases to deposits | 128.0131% | 161 |
| Net loans and leases to core deposits | 274.9304% | 47 |
| Total domestic deposits to total assets | 50.3110% | 8,097 |
| Equity capital to assets | 8.2599% | 6,448 |
| Core capital (leverage) ratio | 6.8058% | 7,766 |
| Tier 1 risk-based capital ratio | 9.1950% | 7,676 |
| Total risk-based capital ratio | 13.1040% | 4,985 |
| Memoranda: | ||
| Average total assets | $6,179,570,000 | 162 |
| Average earning assets | $5,660,157,500 | 155 |
| Average equity | $515,856,500 | 182 |
| Average total loans | $4,196,199,500 | 155 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9215% | 5,937 |
| Cost of funding earning assets | 2.8459% | 2,494 |
| Net interest margin | 3.0756% | 6,720 |
| Noninterest income to average assets | 0.7164% | 3,016 |
| Noninterest expense to average assets | 1.9845% | 7,470 |
| Loan and lease loss provision to assets | 0.8652% | 1,723 |
| Net operating income to assets | 0.5175% | 4,655 |
| Return on assets (ROA) | 0.5368% | 4,440 |
| Pretax return on assets | 0.7146% | 4,351 |
| Return on Equity (ROE) | 6.6191% | 3,703 |
| Retained earnings to average equity (ytd only) | 0.3884% | 5,005 |
| Net charge-offs to loans | 0.9979% | 1,243 |
| Credit loss provision to net charge-offs | 128.6731% | 4,144 |
| Earnings coverage of net charge-offs (x) | 2.3111% | 4,929 |
| Efficiency ratio | 56.0827% | 6,996 |
| Assets per employee ($millions) | 6.2199% | 1,020 |
| Cash dividends to net income (ytd only)* | 94.1315% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 1,981 |
| Loan loss allowance to noncurrent loans | 32.5138% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 3.7743% | 1,137 |
| Noncurrent loans to loans | 5.1520% | 830 |
| Net loans and leases to total assets | 69.1048% | 4,228 |
| Net loans and leases to deposits | 133.0794% | 173 |
| Net loans and leases to core deposits | 295.0709% | 48 |
| Total domestic deposits to total assets | 51.9275% | 8,111 |
| Equity capital to assets | 8.4400% | 6,187 |
| Core capital (leverage) ratio | 6.6767% | 7,868 |
| Tier 1 risk-based capital ratio | 9.0012% | 7,777 |
| Total risk-based capital ratio | 12.8769% | 5,020 |
| Memoranda: | ||
| Average total assets | $6,415,412,400 | 150 |
| Average earning assets | $5,886,756,600 | 149 |
| Average equity | $520,285,800 | 182 |
| Average total loans | $4,322,763,600 | 151 |