Home > Bank of America Oregon > Performance and Condition Ratios
Bank of America Oregon, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1214% | 3,638 |
| Cost of funding earning assets | 0.3140% | 5,854 |
| Net interest margin | 3.8074% | 2,420 |
| Noninterest income to average assets | 0.0366% | 6,776 |
| Noninterest expense to average assets | 0.2194% | 7,010 |
| Loan and lease loss provision to assets | 0.1828% | 2,019 |
| Net operating income to assets | 2.0110% | 335 |
| Return on assets (ROA) | 2.0110% | 364 |
| Pretax return on assets | 3.1811% | 135 |
| Return on Equity (ROE) | 18.7629% | 376 |
| Retained earnings to average equity (ytd only) | 18.7629% | 176 |
| Net charge-offs to loans | 0.3299% | 1,649 |
| Credit loss provision to net charge-offs | 62.5000% | 2,403 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 1,661 |
| Efficiency ratio | 6.1224% | 7,010 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 6,358 |
| Loan loss allowance to noncurrent loans | 15.1456% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 5.0965% | 706 |
| Noncurrent loans to loans | 5.6463% | 625 |
| Net loans and leases to total assets | 86.7934% | 99 |
| Net loans and leases to deposits | 171.2041% | 15 |
| Net loans and leases to core deposits | 171.2041% | 55 |
| Total domestic deposits to total assets | 50.6958% | 6,951 |
| Equity capital to assets | 11.5174% | 2,396 |
| Core capital (leverage) ratio | 9.8087% | 3,651 |
| Tier 1 risk-based capital ratio | 23.7201% | 1,056 |
| Total risk-based capital ratio | 24.9852% | 1,033 |
| Memoranda: | ||
| Average total assets | $10,939,644,000 | 105 |
| Average earning assets | $10,190,735,000 | 102 |
| Average equity | $1,172,526,500 | 113 |
| Average total loans | $9,700,336,000 | 80 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 3,905 |
| Cost of funding earning assets | 0.3076% | 6,412 |
| Net interest margin | 4.0707% | 2,118 |
| Noninterest income to average assets | 0.0884% | 6,550 |
| Noninterest expense to average assets | 0.3238% | 7,058 |
| Loan and lease loss provision to assets | 0.2052% | 3,092 |
| Net operating income to assets | 2.1214% | 293 |
| Return on assets (ROA) | 2.1214% | 321 |
| Pretax return on assets | 3.3567% | 113 |
| Return on Equity (ROE) | 17.4500% | 498 |
| Retained earnings to average equity (ytd only) | -19.8134% | 6,847 |
| Net charge-offs to loans | 0.5068% | 2,216 |
| Credit loss provision to net charge-offs | 44.4610% | 4,829 |
| Earnings coverage of net charge-offs (x) | 7.7182% | 2,541 |
| Efficiency ratio | 8.3324% | 7,070 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 213.5442% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7839% | 6,515 |
| Loan loss allowance to noncurrent loans | 16.0453% | 6,469 |
| Noncurrent assets plus other real estate owned to assets | 4.5509% | 906 |
| Noncurrent loans to loans | 4.8858% | 834 |
| Net loans and leases to total assets | 88.9950% | 69 |
| Net loans and leases to deposits | 133.6298% | 38 |
| Net loans and leases to core deposits | 133.6298% | 160 |
| Total domestic deposits to total assets | 66.5982% | 6,885 |
| Equity capital to assets | 9.9915% | 4,174 |
| Core capital (leverage) ratio | 8.7057% | 5,322 |
| Tier 1 risk-based capital ratio | 20.4771% | 1,567 |
| Total risk-based capital ratio | 21.7330% | 1,537 |
| Memoranda: | ||
| Average total assets | $11,919,996,200 | 100 |
| Average earning assets | $11,119,263,400 | 95 |
| Average equity | $1,449,142,200 | 93 |
| Average total loans | $10,853,817,000 | 71 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 4,175 |
| Cost of funding earning assets | 0.3024% | 6,606 |
| Net interest margin | 4.0654% | 2,228 |
| Noninterest income to average assets | 0.0902% | 6,653 |
| Noninterest expense to average assets | 0.3524% | 7,166 |
| Loan and lease loss provision to assets | 0.1868% | 3,253 |
| Net operating income to assets | 2.1106% | 321 |
| Return on assets (ROA) | 2.1106% | 361 |
| Pretax return on assets | 3.3435% | 117 |
| Return on Equity (ROE) | 16.6544% | 651 |
| Retained earnings to average equity (ytd only) | 16.6544% | 164 |
| Net charge-offs to loans | 0.5372% | 1,992 |
| Credit loss provision to net charge-offs | 38.0490% | 4,654 |
| Earnings coverage of net charge-offs (x) | 7.1921% | 2,641 |
| Efficiency ratio | 9.0755% | 7,169 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 6,723 |
| Loan loss allowance to noncurrent loans | 16.3934% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 4.1850% | 1,141 |
| Noncurrent loans to loans | 4.3937% | 1,091 |
| Net loans and leases to total assets | 90.6121% | 39 |
| Net loans and leases to deposits | 141.3241% | 29 |
| Net loans and leases to core deposits | 141.3241% | 134 |
| Total domestic deposits to total assets | 64.1165% | 7,016 |
| Equity capital to assets | 12.7465% | 1,745 |
| Core capital (leverage) ratio | 11.7672% | 1,796 |
| Tier 1 risk-based capital ratio | 25.1210% | 896 |
| Total risk-based capital ratio | 26.3754% | 887 |
| Memoranda: | ||
| Average total assets | $12,034,923,250 | 96 |
| Average earning assets | $11,226,711,750 | 95 |
| Average equity | $1,525,164,500 | 89 |
| Average total loans | $10,997,353,250 | 69 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 4,852 |
| Cost of funding earning assets | 0.2950% | 6,758 |
| Net interest margin | 3.9343% | 2,768 |
| Noninterest income to average assets | 0.1129% | 6,623 |
| Noninterest expense to average assets | 0.4077% | 7,224 |
| Loan and lease loss provision to assets | 0.0941% | 4,378 |
| Net operating income to assets | 2.0685% | 352 |
| Return on assets (ROA) | 2.0685% | 393 |
| Pretax return on assets | 3.2747% | 128 |
| Return on Equity (ROE) | 16.3563% | 718 |
| Retained earnings to average equity (ytd only) | 16.3563% | 207 |
| Net charge-offs to loans | 0.5651% | 1,902 |
| Credit loss provision to net charge-offs | 18.2248% | 4,638 |
| Earnings coverage of net charge-offs (x) | 6.5215% | 2,622 |
| Efficiency ratio | 10.7949% | 7,228 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6684% | 6,863 |
| Loan loss allowance to noncurrent loans | 18.2999% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 3.5928% | 1,466 |
| Noncurrent loans to loans | 3.6525% | 1,563 |
| Net loans and leases to total assets | 91.8997% | 23 |
| Net loans and leases to deposits | 143.7485% | 25 |
| Net loans and leases to core deposits | 143.7485% | 129 |
| Total domestic deposits to total assets | 63.9309% | 7,084 |
| Equity capital to assets | 11.1491% | 2,958 |
| Core capital (leverage) ratio | 13.2389% | 1,077 |
| Tier 1 risk-based capital ratio | 21.7762% | 1,334 |
| Total risk-based capital ratio | 22.9841% | 1,322 |
| Memoranda: | ||
| Average total assets | $11,803,071,330 | 97 |
| Average earning assets | $10,990,913,670 | 95 |
| Average equity | $1,492,656,670 | 92 |
| Average total loans | $10,790,122,670 | 71 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7171% | 2,989 |
| Cost of funding earning assets | 0.3417% | 6,674 |
| Net interest margin | 4.3754% | 1,282 |
| Noninterest income to average assets | 0.1423% | 6,525 |
| Noninterest expense to average assets | 0.5785% | 7,279 |
| Loan and lease loss provision to assets | 0.1082% | 3,999 |
| Net operating income to assets | 2.2121% | 285 |
| Return on assets (ROA) | 2.2121% | 337 |
| Pretax return on assets | 3.4991% | 122 |
| Return on Equity (ROE) | 16.2434% | 770 |
| Retained earnings to average equity (ytd only) | 16.2434% | 349 |
| Net charge-offs to loans | 0.7451% | 1,370 |
| Credit loss provision to net charge-offs | 16.0060% | 3,833 |
| Earnings coverage of net charge-offs (x) | 5.3374% | 2,396 |
| Efficiency ratio | 13.8202% | 7,285 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 6,152 |
| Loan loss allowance to noncurrent loans | 19.2633% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 5.2435% | 973 |
| Noncurrent loans to loans | 5.3408% | 1,017 |
| Net loans and leases to total assets | 89.0049% | 57 |
| Net loans and leases to deposits | 159.8781% | 17 |
| Net loans and leases to core deposits | 159.8781% | 90 |
| Total domestic deposits to total assets | 55.6705% | 7,224 |
| Equity capital to assets | 14.3893% | 897 |
| Core capital (leverage) ratio | 13.3623% | 1,000 |
| Tier 1 risk-based capital ratio | 28.2694% | 619 |
| Total risk-based capital ratio | 29.5326% | 607 |
| Memoranda: | ||
| Average total assets | $10,734,316,500 | 105 |
| Average earning assets | $9,919,954,000 | 101 |
| Average equity | $1,461,860,000 | 91 |
| Average total loans | $9,736,400,500 | 77 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9097% | 3,308 |
| Cost of funding earning assets | 0.5427% | 6,377 |
| Net interest margin | 4.3670% | 1,486 |
| Noninterest income to average assets | 0.0821% | 6,710 |
| Noninterest expense to average assets | 0.2666% | 7,347 |
| Loan and lease loss provision to assets | 0.9431% | 1,021 |
| Net operating income to assets | 1.8285% | 437 |
| Return on assets (ROA) | 1.8285% | 470 |
| Pretax return on assets | 2.8923% | 136 |
| Return on Equity (ROE) | 14.2272% | 877 |
| Retained earnings to average equity (ytd only) | 14.2272% | 165 |
| Net charge-offs to loans | 1.2519% | 1,330 |
| Credit loss provision to net charge-offs | 83.5830% | 4,296 |
| Earnings coverage of net charge-offs (x) | 3.3991% | 3,538 |
| Efficiency ratio | 6.4982% | 7,350 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 5,834 |
| Loan loss allowance to noncurrent loans | 19.9412% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 5.3888% | 959 |
| Noncurrent loans to loans | 5.4904% | 965 |
| Net loans and leases to total assets | 90.4245% | 36 |
| Net loans and leases to deposits | 189.7674% | 18 |
| Net loans and leases to core deposits | 189.7674% | 67 |
| Total domestic deposits to total assets | 47.6502% | 7,292 |
| Equity capital to assets | 12.8990% | 1,542 |
| Core capital (leverage) ratio | 13.0975% | 1,105 |
| Tier 1 risk-based capital ratio | 25.4881% | 823 |
| Total risk-based capital ratio | 26.7536% | 800 |
| Memoranda: | ||
| Average total assets | $10,389,543,800 | 103 |
| Average earning assets | $9,563,581,600 | 100 |
| Average equity | $1,335,312,000 | 98 |
| Average total loans | $9,364,438,000 | 77 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9720% | 3,232 |
| Cost of funding earning assets | 0.5734% | 6,416 |
| Net interest margin | 4.3986% | 1,411 |
| Noninterest income to average assets | 0.1168% | 6,674 |
| Noninterest expense to average assets | 0.2746% | 7,424 |
| Loan and lease loss provision to assets | 1.2115% | 644 |
| Net operating income to assets | 1.6849% | 656 |
| Return on assets (ROA) | 1.6849% | 720 |
| Pretax return on assets | 2.6719% | 186 |
| Return on Equity (ROE) | 13.1226% | 1,247 |
| Retained earnings to average equity (ytd only) | 13.1226% | 368 |
| Net charge-offs to loans | 1.4482% | 1,012 |
| Credit loss provision to net charge-offs | 93.1755% | 3,662 |
| Earnings coverage of net charge-offs (x) | 2.9867% | 3,642 |
| Efficiency ratio | 6.6051% | 7,422 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 3,472 |
| Loan loss allowance to noncurrent loans | 21.1199% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 7.2686% | 660 |
| Noncurrent loans to loans | 7.7816% | 583 |
| Net loans and leases to total assets | 86.5321% | 118 |
| Net loans and leases to deposits | 265.9857% | 13 |
| Net loans and leases to core deposits | 265.9857% | 46 |
| Total domestic deposits to total assets | 32.5326% | 7,387 |
| Equity capital to assets | 16.5223% | 538 |
| Core capital (leverage) ratio | 15.4859% | 579 |
| Tier 1 risk-based capital ratio | 33.2513% | 411 |
| Total risk-based capital ratio | 34.5325% | 402 |
| Memoranda: | ||
| Average total assets | $10,211,179,500 | 105 |
| Average earning assets | $9,381,588,250 | 102 |
| Average equity | $1,311,095,500 | 101 |
| Average total loans | $9,167,804,500 | 80 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9650% | 3,332 |
| Cost of funding earning assets | 0.5498% | 6,665 |
| Net interest margin | 4.4152% | 1,322 |
| Noninterest income to average assets | 0.0841% | 6,905 |
| Noninterest expense to average assets | 0.3003% | 7,500 |
| Loan and lease loss provision to assets | 1.3600% | 539 |
| Net operating income to assets | 1.6040% | 728 |
| Return on assets (ROA) | 1.6040% | 771 |
| Pretax return on assets | 2.4957% | 250 |
| Return on Equity (ROE) | 13.4782% | 1,093 |
| Retained earnings to average equity (ytd only) | 13.4782% | 356 |
| Net charge-offs to loans | 1.4416% | 1,043 |
| Credit loss provision to net charge-offs | 104.5406% | 2,955 |
| Earnings coverage of net charge-offs (x) | 2.9639% | 3,371 |
| Efficiency ratio | 7.2253% | 7,499 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 3,442 |
| Loan loss allowance to noncurrent loans | 21.3891% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 7.4057% | 660 |
| Noncurrent loans to loans | 7.7750% | 601 |
| Net loans and leases to total assets | 87.1744% | 106 |
| Net loans and leases to deposits | 218.0772% | 17 |
| Net loans and leases to core deposits | 218.0772% | 64 |
| Total domestic deposits to total assets | 39.9741% | 7,451 |
| Equity capital to assets | 15.0734% | 807 |
| Core capital (leverage) ratio | 13.9701% | 877 |
| Tier 1 risk-based capital ratio | 30.3059% | 518 |
| Total risk-based capital ratio | 31.5875% | 507 |
| Memoranda: | ||
| Average total assets | $10,848,451,000 | 101 |
| Average earning assets | $10,004,865,670 | 98 |
| Average equity | $1,291,046,670 | 104 |
| Average total loans | $9,789,868,000 | 75 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 2,597 |
| Cost of funding earning assets | 0.5123% | 6,932 |
| Net interest margin | 4.5979% | 865 |
| Noninterest income to average assets | -0.0493% | 7,354 |
| Noninterest expense to average assets | 0.0729% | 7,570 |
| Loan and lease loss provision to assets | 0.9939% | 774 |
| Net operating income to assets | 2.0072% | 348 |
| Return on assets (ROA) | 2.0072% | 364 |
| Pretax return on assets | 3.1461% | 140 |
| Return on Equity (ROE) | 18.7212% | 418 |
| Retained earnings to average equity (ytd only) | 18.7212% | 209 |
| Net charge-offs to loans | 1.1429% | 1,212 |
| Credit loss provision to net charge-offs | 95.7356% | 2,835 |
| Earnings coverage of net charge-offs (x) | 3.9879% | 2,586 |
| Efficiency ratio | 1.7295% | 7,563 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 4,239 |
| Loan loss allowance to noncurrent loans | 19.3298% | 6,794 |
| Noncurrent assets plus other real estate owned to assets | 7.1835% | 728 |
| Noncurrent loans to loans | 7.7344% | 660 |
| Net loans and leases to total assets | 84.7257% | 190 |
| Net loans and leases to deposits | 194.5353% | 20 |
| Net loans and leases to core deposits | 194.5353% | 78 |
| Total domestic deposits to total assets | 43.5529% | 7,500 |
| Equity capital to assets | 13.3398% | 1,247 |
| Core capital (leverage) ratio | 11.2714% | 1,985 |
| Tier 1 risk-based capital ratio | 29.4230% | 548 |
| Total risk-based capital ratio | 30.7037% | 535 |
| Memoranda: | ||
| Average total assets | $11,863,569,500 | 94 |
| Average earning assets | $10,997,202,000 | 91 |
| Average equity | $1,271,967,000 | 106 |
| Average total loans | $10,776,190,500 | 72 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2246% | 3,485 |
| Cost of funding earning assets | 0.6025% | 7,123 |
| Net interest margin | 4.6221% | 963 |
| Noninterest income to average assets | 0.0734% | 7,013 |
| Noninterest expense to average assets | 0.0568% | 7,649 |
| Loan and lease loss provision to assets | 0.6266% | 2,622 |
| Net operating income to assets | 2.3825% | 136 |
| Return on assets (ROA) | 2.3825% | 142 |
| Pretax return on assets | 3.7335% | 78 |
| Return on Equity (ROE) | 28.7420% | 51 |
| Retained earnings to average equity (ytd only) | 13.3114% | 193 |
| Net charge-offs to loans | 0.5012% | 3,612 |
| Credit loss provision to net charge-offs | 134.0447% | 2,913 |
| Earnings coverage of net charge-offs (x) | 9.3270% | 1,842 |
| Efficiency ratio | 1.2851% | 7,644 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 53.6867% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 6,518 |
| Loan loss allowance to noncurrent loans | 18.4737% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 5.2055% | 1,204 |
| Noncurrent loans to loans | 5.2158% | 1,276 |
| Net loans and leases to total assets | 93.2956% | 18 |
| Net loans and leases to deposits | 2,606,470.4000% | 3 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0036% | 7,662 |
| Equity capital to assets | 8.8926% | 5,295 |
| Core capital (leverage) ratio | 9.5866% | 3,579 |
| Tier 1 risk-based capital ratio | 17.6098% | 2,127 |
| Total risk-based capital ratio | 18.8733% | 2,088 |
| Memoranda: | ||
| Average total assets | $14,463,582,400 | 76 |
| Average earning assets | $13,592,047,800 | 75 |
| Average equity | $1,198,913,000 | 104 |
| Average total loans | $13,490,378,600 | 59 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3137% | 3,284 |
| Cost of funding earning assets | 0.6232% | 7,244 |
| Net interest margin | 4.6904% | 862 |
| Noninterest income to average assets | 0.0279% | 7,373 |
| Noninterest expense to average assets | 0.0470% | 7,755 |
| Loan and lease loss provision to assets | 0.5662% | 2,674 |
| Net operating income to assets | 2.4428% | 154 |
| Return on assets (ROA) | 2.4428% | 160 |
| Pretax return on assets | 3.8289% | 78 |
| Return on Equity (ROE) | 29.9928% | 52 |
| Retained earnings to average equity (ytd only) | 9.2317% | 984 |
| Net charge-offs to loans | 0.4799% | 3,358 |
| Credit loss provision to net charge-offs | 126.7852% | 3,218 |
| Earnings coverage of net charge-offs (x) | 9.8416% | 1,955 |
| Efficiency ratio | 1.0580% | 7,748 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 69.2202% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9508% | 6,564 |
| Loan loss allowance to noncurrent loans | 15.9688% | 7,051 |
| Noncurrent assets plus other real estate owned to assets | 5.7425% | 1,056 |
| Noncurrent loans to loans | 5.9540% | 1,054 |
| Net loans and leases to total assets | 91.4166% | 37 |
| Net loans and leases to deposits | 2,434,893.4000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0038% | 7,769 |
| Equity capital to assets | 8.7469% | 5,945 |
| Core capital (leverage) ratio | 8.4315% | 5,640 |
| Tier 1 risk-based capital ratio | 18.0116% | 2,021 |
| Total risk-based capital ratio | 19.2762% | 1,980 |
| Memoranda: | ||
| Average total assets | $14,587,256,750 | 75 |
| Average earning assets | $13,728,184,250 | 74 |
| Average equity | $1,188,091,000 | 105 |
| Average total loans | $13,573,186,250 | 58 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2772% | 3,571 |
| Cost of funding earning assets | 0.6103% | 7,384 |
| Net interest margin | 4.6669% | 873 |
| Noninterest income to average assets | 0.0380% | 7,391 |
| Noninterest expense to average assets | 0.0373% | 7,825 |
| Loan and lease loss provision to assets | -0.0894% | 7,768 |
| Net operating income to assets | 2.8898% | 93 |
| Return on assets (ROA) | 2.8898% | 94 |
| Pretax return on assets | 4.4991% | 61 |
| Return on Equity (ROE) | 36.2737% | 31 |
| Retained earnings to average equity (ytd only) | 36.2737% | 16 |
| Net charge-offs to loans | 0.2859% | 3,907 |
| Credit loss provision to net charge-offs | -33.5015% | 6,617 |
| Earnings coverage of net charge-offs (x) | 16.5341% | 1,397 |
| Efficiency ratio | 0.8380% | 7,815 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 7,429 |
| Loan loss allowance to noncurrent loans | 10.7444% | 7,250 |
| Noncurrent assets plus other real estate owned to assets | 5.0419% | 1,273 |
| Noncurrent loans to loans | 5.4516% | 1,212 |
| Net loans and leases to total assets | 91.9432% | 33 |
| Net loans and leases to deposits | 2,615,584.0000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0035% | 7,838 |
| Equity capital to assets | 9.1360% | 5,239 |
| Core capital (leverage) ratio | 8.9842% | 4,627 |
| Tier 1 risk-based capital ratio | 18.5251% | 1,825 |
| Total risk-based capital ratio | 19.6235% | 1,836 |
| Memoranda: | ||
| Average total assets | $15,010,488,330 | 73 |
| Average earning assets | $14,180,973,000 | 73 |
| Average equity | $1,195,830,670 | 100 |
| Average total loans | $14,000,471,330 | 54 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2998% | 3,551 |
| Cost of funding earning assets | 0.5875% | 7,555 |
| Net interest margin | 4.7123% | 765 |
| Noninterest income to average assets | 0.0686% | 7,374 |
| Noninterest expense to average assets | 0.0480% | 7,930 |
| Loan and lease loss provision to assets | -0.4848% | 7,899 |
| Net operating income to assets | 3.1883% | 82 |
| Return on assets (ROA) | 3.1883% | 87 |
| Pretax return on assets | 4.9638% | 58 |
| Return on Equity (ROE) | 42.9298% | 34 |
| Retained earnings to average equity (ytd only) | 42.9298% | 26 |
| Net charge-offs to loans | 0.3467% | 3,023 |
| Credit loss provision to net charge-offs | -149.3361% | 6,098 |
| Earnings coverage of net charge-offs (x) | 13.7966% | 1,469 |
| Efficiency ratio | 1.0595% | 7,921 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5238% | 7,571 |
| Loan loss allowance to noncurrent loans | 9.4925% | 7,343 |
| Noncurrent assets plus other real estate owned to assets | 5.1974% | 1,218 |
| Noncurrent loans to loans | 5.5184% | 1,264 |
| Net loans and leases to total assets | 93.6910% | 19 |
| Net loans and leases to deposits | 2,757,566.2000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0034% | 7,941 |
| Equity capital to assets | 8.1908% | 6,443 |
| Core capital (leverage) ratio | 7.8030% | 6,500 |
| Tier 1 risk-based capital ratio | 26.9508% | 709 |
| Total risk-based capital ratio | 28.2303% | 694 |
| Memoranda: | ||
| Average total assets | $15,403,780,000 | 71 |
| Average earning assets | $14,573,697,000 | 69 |
| Average equity | $1,143,998,500 | 104 |
| Average total loans | $14,423,220,000 | 52 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7030% | 3,094 |
| Cost of funding earning assets | 0.6418% | 7,743 |
| Net interest margin | 5.0612% | 403 |
| Noninterest income to average assets | 0.0749% | 7,381 |
| Noninterest expense to average assets | 0.0564% | 8,010 |
| Loan and lease loss provision to assets | 0.5515% | 3,613 |
| Net operating income to assets | 2.7730% | 67 |
| Return on assets (ROA) | 2.7730% | 70 |
| Pretax return on assets | 4.3173% | 49 |
| Return on Equity (ROE) | 38.1662% | 22 |
| Retained earnings to average equity (ytd only) | -13.8414% | 6,806 |
| Net charge-offs to loans | 0.3121% | 4,680 |
| Credit loss provision to net charge-offs | 187.3218% | 2,158 |
| Earnings coverage of net charge-offs (x) | 16.5374% | 1,248 |
| Efficiency ratio | 1.1453% | 7,999 |
| Assets per employee ($millions) | 16,091.2770% | 3 |
| Cash dividends to net income (ytd only)* | 136.2662% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6925% | 7,391 |
| Loan loss allowance to noncurrent loans | 17.0295% | 7,184 |
| Noncurrent assets plus other real estate owned to assets | 3.7871% | 1,759 |
| Noncurrent loans to loans | 4.0664% | 1,818 |
| Net loans and leases to total assets | 92.4863% | 28 |
| Net loans and leases to deposits | 2,976,445.4000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0031% | 8,019 |
| Equity capital to assets | 6.7279% | 7,488 |
| Core capital (leverage) ratio | 6.5683% | 7,460 |
| Tier 1 risk-based capital ratio | 22.4631% | 1,098 |
| Total risk-based capital ratio | 23.7484% | 1,069 |
| Memoranda: | ||
| Average total assets | $16,937,139,200 | 68 |
| Average earning assets | $16,231,654,400 | 63 |
| Average equity | $1,230,589,800 | 96 |
| Average total loans | $15,974,928,800 | 49 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8013% | 2,887 |
| Cost of funding earning assets | 0.6429% | 7,861 |
| Net interest margin | 5.1584% | 323 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.0663% | 8,096 |
| Loan and lease loss provision to assets | 0.2898% | 4,659 |
| Net operating income to assets | 2.9546% | 65 |
| Return on assets (ROA) | 2.9546% | 70 |
| Pretax return on assets | 4.6000% | 41 |
| Return on Equity (ROE) | 39.9716% | 26 |
| Retained earnings to average equity (ytd only) | -17.8797% | 7,268 |
| Net charge-offs to loans | 0.1406% | 5,298 |
| Credit loss provision to net charge-offs | 217.8954% | 2,015 |
| Earnings coverage of net charge-offs (x) | 36.7681% | 798 |
| Efficiency ratio | 1.3386% | 8,079 |
| Assets per employee ($millions) | 16,851.6860% | 3 |
| Cash dividends to net income (ytd only)* | 144.7311% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5044% | 7,709 |
| Loan loss allowance to noncurrent loans | 16.2963% | 7,271 |
| Noncurrent assets plus other real estate owned to assets | 2.9277% | 2,366 |
| Noncurrent loans to loans | 3.0950% | 2,439 |
| Net loans and leases to total assets | 94.1161% | 21 |
| Net loans and leases to deposits | 3,172,029.0000% | 3 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0030% | 8,105 |
| Equity capital to assets | 6.4264% | 7,777 |
| Core capital (leverage) ratio | 6.1142% | 7,779 |
| Tier 1 risk-based capital ratio | 20.5044% | 1,456 |
| Total risk-based capital ratio | 21.7849% | 1,403 |
| Memoranda: | ||
| Average total assets | $17,148,604,750 | 71 |
| Average earning assets | $16,476,288,000 | 66 |
| Average equity | $1,267,585,000 | 99 |
| Average total loans | $16,222,160,000 | 52 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8887% | 2,640 |
| Cost of funding earning assets | 0.6369% | 7,966 |
| Net interest margin | 5.2518% | 265 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.0773% | 8,189 |
| Loan and lease loss provision to assets | 0.0511% | 6,715 |
| Net operating income to assets | 3.1727% | 51 |
| Return on assets (ROA) | 3.1727% | 57 |
| Pretax return on assets | 4.9396% | 40 |
| Return on Equity (ROE) | 41.1712% | 28 |
| Retained earnings to average equity (ytd only) | 41.1712% | 16 |
| Net charge-offs to loans | 0.1332% | 4,828 |
| Credit loss provision to net charge-offs | 40.5597% | 5,894 |
| Earnings coverage of net charge-offs (x) | 39.6197% | 817 |
| Efficiency ratio | 1.5250% | 8,166 |
| Assets per employee ($millions) | 18,194.2490% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3101% | 7,983 |
| Loan loss allowance to noncurrent loans | 15.5442% | 7,351 |
| Noncurrent assets plus other real estate owned to assets | 1.9015% | 3,337 |
| Noncurrent loans to loans | 1.9952% | 3,531 |
| Net loans and leases to total assets | 95.0099% | 17 |
| Net loans and leases to deposits | 3,457,266.6000% | 4 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0027% | 8,201 |
| Equity capital to assets | 8.3903% | 6,215 |
| Core capital (leverage) ratio | 7.6881% | 6,775 |
| Tier 1 risk-based capital ratio | 28.2865% | 697 |
| Total risk-based capital ratio | 29.2830% | 698 |
| Memoranda: | ||
| Average total assets | $17,247,577,670 | 74 |
| Average earning assets | $16,643,908,000 | 69 |
| Average equity | $1,329,128,330 | 96 |
| Average total loans | $16,316,031,670 | 56 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8553% | 3,015 |
| Cost of funding earning assets | 0.6683% | 8,011 |
| Net interest margin | 5.1870% | 285 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.1036% | 8,240 |
| Loan and lease loss provision to assets | 3.2346% | 332 |
| Net operating income to assets | 1.0720% | 2,056 |
| Return on assets (ROA) | 1.0720% | 2,193 |
| Pretax return on assets | 1.6690% | 1,249 |
| Return on Equity (ROE) | 14.6149% | 1,050 |
| Retained earnings to average equity (ytd only) | 14.6149% | 456 |
| Net charge-offs to loans | 0.1884% | 3,504 |
| Credit loss provision to net charge-offs | 1,822.2192% | 351 |
| Earnings coverage of net charge-offs (x) | 27.6247% | 1,127 |
| Efficiency ratio | 2.0697% | 8,220 |
| Assets per employee ($millions) | 22,022.1750% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 6,768 |
| Loan loss allowance to noncurrent loans | 90.9515% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 4,839 |
| Noncurrent loans to loans | 0.9862% | 5,025 |
| Net loans and leases to total assets | 94.5370% | 21 |
| Net loans and leases to deposits | 4,163,820.2000% | 3 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0023% | 8,253 |
| Equity capital to assets | 5.8936% | 8,016 |
| Core capital (leverage) ratio | 7.2374% | 7,442 |
| Tier 1 risk-based capital ratio | 16.9775% | 2,348 |
| Total risk-based capital ratio | 18.2657% | 2,267 |
| Memoranda: | ||
| Average total assets | $16,774,242,000 | 75 |
| Average earning assets | $16,193,090,000 | 70 |
| Average equity | $1,230,418,000 | 106 |
| Average total loans | $15,803,992,500 | 60 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 7,789 |
| Cost of funding earning assets | 2.4081% | 4,689 |
| Net interest margin | 2.6661% | 7,551 |
| Noninterest income to average assets | 0.0000% | 8,108 |
| Noninterest expense to average assets | 0.1583% | 8,286 |
| Loan and lease loss provision to assets | 1.1573% | 1,257 |
| Net operating income to assets | 1.0205% | 2,473 |
| Return on assets (ROA) | 1.0205% | 2,359 |
| Pretax return on assets | 1.2625% | 2,437 |
| Return on Equity (ROE) | 11.6411% | 1,701 |
| Retained earnings to average equity (ytd only) | 11.6411% | 256 |
| Net charge-offs to loans | 0.8075% | 1,545 |
| Credit loss provision to net charge-offs | 162.3186% | 3,184 |
| Earnings coverage of net charge-offs (x) | 3.3939% | 4,387 |
| Efficiency ratio | 6.1385% | 8,283 |
| Assets per employee ($millions) | 11,526.3090% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5682% | 7,731 |
| Loan loss allowance to noncurrent loans | 42.0279% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 1.2434% | 3,739 |
| Noncurrent loans to loans | 1.3520% | 3,815 |
| Net loans and leases to total assets | 91.4448% | 105 |
| Net loans and leases to deposits | 2,108,042.8000% | 3 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0043% | 8,310 |
| Equity capital to assets | 10.0894% | 3,929 |
| Core capital (leverage) ratio | 10.0101% | 3,434 |
| Tier 1 risk-based capital ratio | 24.4978% | 1,032 |
| Total risk-based capital ratio | 25.7667% | 1,010 |
| Memoranda: | ||
| Average total assets | $12,294,396,400 | 97 |
| Average earning assets | $11,888,178,400 | 89 |
| Average equity | $1,077,786,400 | 109 |
| Average total loans | $10,854,916,600 | 77 |