Home > Bank of America, Rhode Island > Performance and Condition Ratios
Bank of America, Rhode Island, 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 | 2.3176% | 6,863 |
| Cost of funding earning assets | 0.0638% | 6,956 |
| Net interest margin | 2.2538% | 6,723 |
| Noninterest income to average assets | 0.0995% | 6,581 |
| Noninterest expense to average assets | 0.4778% | 6,996 |
| Loan and lease loss provision to assets | 0.2389% | 1,523 |
| Net operating income to assets | 0.9357% | 2,492 |
| Return on assets (ROA) | 0.9357% | 2,636 |
| Pretax return on assets | 1.4931% | 1,574 |
| Return on Equity (ROE) | 9.7188% | 2,178 |
| Retained earnings to average equity (ytd only) | 9.7188% | 1,177 |
| Net charge-offs to loans | 0.6913% | 889 |
| Credit loss provision to net charge-offs | 70.5882% | 2,285 |
| Earnings coverage of net charge-offs (x) | 5.1176% | 2,408 |
| Efficiency ratio | 17.1171% | 7,000 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8029% | 2,609 |
| Loan loss allowance to noncurrent loans | 15.1298% | 6,438 |
| Noncurrent assets plus other real estate owned to assets | 5.8309% | 561 |
| Noncurrent loans to loans | 11.9159% | 139 |
| Net loans and leases to total assets | 46.5110% | 5,386 |
| Net loans and leases to deposits | 52.5670% | 5,567 |
| Net loans and leases to core deposits | 62.7385% | 4,880 |
| Total domestic deposits to total assets | 88.4796% | 2,022 |
| Equity capital to assets | 9.8934% | 4,287 |
| Core capital (leverage) ratio | 9.2112% | 4,556 |
| Tier 1 risk-based capital ratio | 33.6544% | 388 |
| Total risk-based capital ratio | 34.9627% | 382 |
| Memoranda: | ||
| Average total assets | $20,091,807,000 | 63 |
| Average earning assets | $18,812,730,500 | 60 |
| Average equity | $1,934,396,500 | 71 |
| Average total loans | $9,836,364,500 | 78 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0003% | 6,776 |
| Cost of funding earning assets | 0.1366% | 6,948 |
| Net interest margin | 2.8637% | 6,289 |
| Noninterest income to average assets | 0.1514% | 6,281 |
| Noninterest expense to average assets | 0.7113% | 7,037 |
| Loan and lease loss provision to assets | 0.4904% | 1,229 |
| Net operating income to assets | 1.0023% | 2,324 |
| Return on assets (ROA) | 1.0023% | 2,550 |
| Pretax return on assets | 1.5937% | 1,405 |
| Return on Equity (ROE) | 8.6514% | 2,811 |
| Retained earnings to average equity (ytd only) | -13.0943% | 6,733 |
| Net charge-offs to loans | 1.1977% | 841 |
| Credit loss provision to net charge-offs | 65.4757% | 4,302 |
| Earnings coverage of net charge-offs (x) | 2.7827% | 4,039 |
| Efficiency ratio | 21.9647% | 7,047 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 251.3544% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 2,988 |
| Loan loss allowance to noncurrent loans | 15.4858% | 6,484 |
| Noncurrent assets plus other real estate owned to assets | 5.6865% | 644 |
| Noncurrent loans to loans | 10.8801% | 193 |
| Net loans and leases to total assets | 49.6514% | 5,215 |
| Net loans and leases to deposits | 55.6915% | 5,475 |
| Net loans and leases to core deposits | 67.3634% | 4,607 |
| Total domestic deposits to total assets | 89.1543% | 1,468 |
| Equity capital to assets | 9.3700% | 5,039 |
| Core capital (leverage) ratio | 9.2633% | 4,482 |
| Tier 1 risk-based capital ratio | 30.4960% | 496 |
| Total risk-based capital ratio | 31.7935% | 485 |
| Memoranda: | ||
| Average total assets | $18,914,132,000 | 63 |
| Average earning assets | $17,463,185,200 | 62 |
| Average equity | $2,191,234,800 | 67 |
| Average total loans | $11,827,431,200 | 65 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1564% | 6,818 |
| Cost of funding earning assets | 0.1466% | 7,043 |
| Net interest margin | 3.0098% | 6,151 |
| Noninterest income to average assets | 0.1878% | 6,174 |
| Noninterest expense to average assets | 0.7866% | 7,143 |
| Loan and lease loss provision to assets | 0.6480% | 816 |
| Net operating income to assets | 0.9627% | 2,693 |
| Return on assets (ROA) | 0.9627% | 2,906 |
| Pretax return on assets | 1.5231% | 1,797 |
| Return on Equity (ROE) | 7.8945% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.8945% | 1,661 |
| Net charge-offs to loans | 1.2603% | 755 |
| Credit loss provision to net charge-offs | 78.0990% | 3,673 |
| Earnings coverage of net charge-offs (x) | 2.6165% | 3,990 |
| Efficiency ratio | 23.2395% | 7,143 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7425% | 2,985 |
| Loan loss allowance to noncurrent loans | 16.9366% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 6.2659% | 619 |
| Noncurrent loans to loans | 10.2885% | 234 |
| Net loans and leases to total assets | 58.1490% | 4,110 |
| Net loans and leases to deposits | 69.5918% | 3,952 |
| Net loans and leases to core deposits | 86.4185% | 2,410 |
| Total domestic deposits to total assets | 83.5573% | 4,410 |
| Equity capital to assets | 12.1961% | 2,117 |
| Core capital (leverage) ratio | 11.4053% | 2,050 |
| Tier 1 risk-based capital ratio | 32.1595% | 437 |
| Total risk-based capital ratio | 33.4559% | 427 |
| Memoranda: | ||
| Average total assets | $18,544,511,500 | 64 |
| Average earning assets | $17,066,366,250 | 63 |
| Average equity | $2,261,345,250 | 64 |
| Average total loans | $12,209,606,750 | 64 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2148% | 6,863 |
| Cost of funding earning assets | 0.1518% | 7,116 |
| Net interest margin | 3.0630% | 6,092 |
| Noninterest income to average assets | 0.1890% | 6,209 |
| Noninterest expense to average assets | 0.8961% | 7,200 |
| Loan and lease loss provision to assets | 0.6362% | 910 |
| Net operating income to assets | 0.9283% | 2,768 |
| Return on assets (ROA) | 0.9283% | 3,032 |
| Pretax return on assets | 1.4667% | 1,968 |
| Return on Equity (ROE) | 7.6131% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.6131% | 1,806 |
| Net charge-offs to loans | 1.3486% | 772 |
| Credit loss provision to net charge-offs | 69.2222% | 3,579 |
| Earnings coverage of net charge-offs (x) | 2.2881% | 3,851 |
| Efficiency ratio | 26.5365% | 7,188 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 3,654 |
| Loan loss allowance to noncurrent loans | 17.4476% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 6.0764% | 698 |
| Noncurrent loans to loans | 9.0827% | 334 |
| Net loans and leases to total assets | 62.8752% | 3,255 |
| Net loans and leases to deposits | 80.0683% | 2,371 |
| Net loans and leases to core deposits | 100.3048% | 1,078 |
| Total domestic deposits to total assets | 78.5270% | 6,051 |
| Equity capital to assets | 11.7643% | 2,353 |
| Core capital (leverage) ratio | 11.9425% | 1,630 |
| Tier 1 risk-based capital ratio | 28.3717% | 622 |
| Total risk-based capital ratio | 29.6641% | 602 |
| Memoranda: | ||
| Average total assets | $18,353,428,670 | 65 |
| Average earning assets | $16,837,073,670 | 64 |
| Average equity | $2,237,922,000 | 64 |
| Average total loans | $12,508,161,330 | 62 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4320% | 6,775 |
| Cost of funding earning assets | 0.1549% | 7,178 |
| Net interest margin | 3.2771% | 5,548 |
| Noninterest income to average assets | 0.2738% | 5,681 |
| Noninterest expense to average assets | 1.2541% | 7,192 |
| Loan and lease loss provision to assets | 0.7504% | 677 |
| Net operating income to assets | 0.7947% | 3,399 |
| Return on assets (ROA) | 0.7947% | 3,643 |
| Pretax return on assets | 1.2570% | 2,701 |
| Return on Equity (ROE) | 6.3948% | 4,092 |
| Retained earnings to average equity (ytd only) | 6.3948% | 2,743 |
| Net charge-offs to loans | 1.5637% | 641 |
| Credit loss provision to net charge-offs | 68.1001% | 2,957 |
| Earnings coverage of net charge-offs (x) | 1.8217% | 3,429 |
| Efficiency ratio | 35.2873% | 7,192 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7231% | 3,254 |
| Loan loss allowance to noncurrent loans | 16.7609% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 7.2989% | 565 |
| Noncurrent loans to loans | 10.2806% | 289 |
| Net loans and leases to total assets | 65.9348% | 2,479 |
| Net loans and leases to deposits | 77.3174% | 2,626 |
| Net loans and leases to core deposits | 97.7846% | 1,138 |
| Total domestic deposits to total assets | 85.2780% | 3,890 |
| Equity capital to assets | 12.4862% | 1,733 |
| Core capital (leverage) ratio | 11.9352% | 1,624 |
| Tier 1 risk-based capital ratio | 28.7783% | 583 |
| Total risk-based capital ratio | 30.0766% | 568 |
| Memoranda: | ||
| Average total assets | $17,827,413,000 | 66 |
| Average earning assets | $16,253,787,500 | 65 |
| Average equity | $2,215,429,000 | 64 |
| Average total loans | $12,563,400,000 | 62 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 6,520 |
| Cost of funding earning assets | 0.2840% | 7,129 |
| Net interest margin | 3.6800% | 4,391 |
| Noninterest income to average assets | 0.1623% | 6,330 |
| Noninterest expense to average assets | 0.5157% | 7,327 |
| Loan and lease loss provision to assets | 1.2492% | 678 |
| Net operating income to assets | 1.1053% | 1,807 |
| Return on assets (ROA) | 1.1053% | 1,927 |
| Pretax return on assets | 1.7556% | 887 |
| Return on Equity (ROE) | 9.7437% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.7437% | 616 |
| Net charge-offs to loans | 1.6795% | 913 |
| Credit loss provision to net charge-offs | 96.3825% | 3,737 |
| Earnings coverage of net charge-offs (x) | 2.3184% | 4,058 |
| Efficiency ratio | 11.8211% | 7,345 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 3,225 |
| Loan loss allowance to noncurrent loans | 16.8335% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 7.8084% | 534 |
| Noncurrent loans to loans | 10.0652% | 312 |
| Net loans and leases to total assets | 72.6241% | 1,531 |
| Net loans and leases to deposits | 85.2707% | 1,765 |
| Net loans and leases to core deposits | 107.5024% | 730 |
| Total domestic deposits to total assets | 85.1689% | 3,758 |
| Equity capital to assets | 12.3676% | 1,875 |
| Core capital (leverage) ratio | 11.7688% | 1,728 |
| Tier 1 risk-based capital ratio | 27.2358% | 695 |
| Total risk-based capital ratio | 28.5360% | 666 |
| Memoranda: | ||
| Average total assets | $18,485,939,800 | 64 |
| Average earning assets | $16,868,950,800 | 64 |
| Average equity | $2,097,065,400 | 67 |
| Average total loans | $14,265,432,800 | 54 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 6,576 |
| Cost of funding earning assets | 0.3208% | 7,182 |
| Net interest margin | 3.6861% | 4,398 |
| Noninterest income to average assets | 0.1768% | 6,322 |
| Noninterest expense to average assets | 0.4983% | 7,410 |
| Loan and lease loss provision to assets | 1.3223% | 560 |
| Net operating income to assets | 1.0892% | 2,012 |
| Return on assets (ROA) | 1.0892% | 2,153 |
| Pretax return on assets | 1.7259% | 1,089 |
| Return on Equity (ROE) | 9.8122% | 2,267 |
| Retained earnings to average equity (ytd only) | 9.8122% | 894 |
| Net charge-offs to loans | 1.8460% | 716 |
| Credit loss provision to net charge-offs | 91.8932% | 3,712 |
| Earnings coverage of net charge-offs (x) | 2.1183% | 4,083 |
| Efficiency ratio | 11.2707% | 7,417 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 3,390 |
| Loan loss allowance to noncurrent loans | 16.0027% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 7.6791% | 609 |
| Noncurrent loans to loans | 10.4171% | 327 |
| Net loans and leases to total assets | 69.5441% | 2,168 |
| Net loans and leases to deposits | 86.4037% | 1,634 |
| Net loans and leases to core deposits | 108.7735% | 736 |
| Total domestic deposits to total assets | 80.4875% | 5,599 |
| Equity capital to assets | 11.8775% | 2,352 |
| Core capital (leverage) ratio | 11.1798% | 2,253 |
| Tier 1 risk-based capital ratio | 27.5735% | 694 |
| Total risk-based capital ratio | 28.8795% | 673 |
| Memoranda: | ||
| Average total assets | $18,664,935,750 | 63 |
| Average earning assets | $17,062,688,000 | 63 |
| Average equity | $2,071,901,750 | 67 |
| Average total loans | $14,549,868,750 | 52 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1331% | 6,415 |
| Cost of funding earning assets | 0.3503% | 7,224 |
| Net interest margin | 3.7828% | 3,875 |
| Noninterest income to average assets | 0.1871% | 6,323 |
| Noninterest expense to average assets | 0.5060% | 7,488 |
| Loan and lease loss provision to assets | 1.5739% | 446 |
| Net operating income to assets | 1.0081% | 2,194 |
| Return on assets (ROA) | 1.0081% | 2,291 |
| Pretax return on assets | 1.5651% | 1,343 |
| Return on Equity (ROE) | 9.2890% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.2890% | 1,016 |
| Net charge-offs to loans | 1.9522% | 694 |
| Credit loss provision to net charge-offs | 100.4527% | 3,089 |
| Earnings coverage of net charge-offs (x) | 2.0034% | 3,868 |
| Efficiency ratio | 11.2052% | 7,493 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 3,332 |
| Loan loss allowance to noncurrent loans | 16.8841% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 7.9965% | 581 |
| Noncurrent loans to loans | 10.0549% | 380 |
| Net loans and leases to total assets | 74.7831% | 1,265 |
| Net loans and leases to deposits | 92.5999% | 990 |
| Net loans and leases to core deposits | 115.2198% | 538 |
| Total domestic deposits to total assets | 80.7594% | 5,605 |
| Equity capital to assets | 11.7273% | 2,307 |
| Core capital (leverage) ratio | 11.0117% | 2,237 |
| Tier 1 risk-based capital ratio | 26.5318% | 755 |
| Total risk-based capital ratio | 27.8419% | 738 |
| Memoranda: | ||
| Average total assets | $18,864,345,000 | 65 |
| Average earning assets | $17,244,131,330 | 65 |
| Average equity | $2,047,246,670 | 69 |
| Average total loans | $15,140,712,330 | 53 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2666% | 6,106 |
| Cost of funding earning assets | 0.3706% | 7,285 |
| Net interest margin | 3.8960% | 3,160 |
| Noninterest income to average assets | 0.0738% | 7,019 |
| Noninterest expense to average assets | 0.4286% | 7,554 |
| Loan and lease loss provision to assets | 1.0841% | 678 |
| Net operating income to assets | 1.3715% | 1,115 |
| Return on assets (ROA) | 1.3715% | 1,163 |
| Pretax return on assets | 2.1263% | 455 |
| Return on Equity (ROE) | 13.1230% | 1,166 |
| Retained earnings to average equity (ytd only) | 13.1230% | 569 |
| Net charge-offs to loans | 1.3831% | 993 |
| Credit loss provision to net charge-offs | 95.3764% | 2,841 |
| Earnings coverage of net charge-offs (x) | 2.8243% | 2,954 |
| Efficiency ratio | 9.1706% | 7,556 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 3,848 |
| Loan loss allowance to noncurrent loans | 15.5589% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 8.1534% | 575 |
| Noncurrent loans to loans | 10.1198% | 396 |
| Net loans and leases to total assets | 76.1052% | 1,019 |
| Net loans and leases to deposits | 96.2180% | 674 |
| Net loans and leases to core deposits | 119.2567% | 439 |
| Total domestic deposits to total assets | 79.0966% | 6,167 |
| Equity capital to assets | 11.0583% | 2,630 |
| Core capital (leverage) ratio | 9.9314% | 3,225 |
| Tier 1 risk-based capital ratio | 27.0400% | 703 |
| Total risk-based capital ratio | 28.3556% | 681 |
| Memoranda: | ||
| Average total assets | $19,392,180,500 | 64 |
| Average earning assets | $17,746,051,000 | 64 |
| Average equity | $2,026,633,500 | 69 |
| Average total loans | $15,937,126,500 | 52 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 5,095 |
| Cost of funding earning assets | 0.3885% | 7,435 |
| Net interest margin | 4.4987% | 1,226 |
| Noninterest income to average assets | 0.1020% | 6,885 |
| Noninterest expense to average assets | 0.3487% | 7,624 |
| Loan and lease loss provision to assets | 1.0780% | 1,488 |
| Net operating income to assets | 1.7996% | 418 |
| Return on assets (ROA) | 1.7996% | 451 |
| Pretax return on assets | 2.7707% | 142 |
| Return on Equity (ROE) | 19.6046% | 276 |
| Retained earnings to average equity (ytd only) | 6.9842% | 1,333 |
| Net charge-offs to loans | 0.7571% | 2,745 |
| Credit loss provision to net charge-offs | 160.5854% | 2,170 |
| Earnings coverage of net charge-offs (x) | 5.7332% | 2,547 |
| Efficiency ratio | 6.2763% | 7,641 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 64.3749% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 4,939 |
| Loan loss allowance to noncurrent loans | 15.8747% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 7.4309% | 709 |
| Noncurrent loans to loans | 8.2688% | 612 |
| Net loans and leases to total assets | 85.5374% | 206 |
| Net loans and leases to deposits | 114.5773% | 166 |
| Net loans and leases to core deposits | 141.8978% | 216 |
| Total domestic deposits to total assets | 74.6547% | 6,812 |
| Equity capital to assets | 9.8894% | 3,888 |
| Core capital (leverage) ratio | 8.9528% | 4,617 |
| Tier 1 risk-based capital ratio | 20.6249% | 1,378 |
| Total risk-based capital ratio | 21.9246% | 1,348 |
| Memoranda: | ||
| Average total assets | $21,579,899,400 | 56 |
| Average earning assets | $19,645,356,600 | 54 |
| Average equity | $1,980,909,600 | 68 |
| Average total loans | $19,134,850,400 | 42 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 4,895 |
| Cost of funding earning assets | 0.3793% | 7,585 |
| Net interest margin | 4.6044% | 1,033 |
| Noninterest income to average assets | 0.0479% | 7,284 |
| Noninterest expense to average assets | 0.3284% | 7,741 |
| Loan and lease loss provision to assets | 0.9887% | 1,504 |
| Net operating income to assets | 1.8968% | 410 |
| Return on assets (ROA) | 1.8968% | 459 |
| Pretax return on assets | 2.9181% | 132 |
| Return on Equity (ROE) | 21.0372% | 252 |
| Retained earnings to average equity (ytd only) | 4.1838% | 3,537 |
| Net charge-offs to loans | 0.6760% | 2,736 |
| Credit loss provision to net charge-offs | 164.0975% | 2,293 |
| Earnings coverage of net charge-offs (x) | 6.4843% | 2,512 |
| Efficiency ratio | 5.7742% | 7,745 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 80.1125% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 5,713 |
| Loan loss allowance to noncurrent loans | 13.7215% | 7,104 |
| Noncurrent assets plus other real estate owned to assets | 7.3751% | 719 |
| Noncurrent loans to loans | 8.3760% | 598 |
| Net loans and leases to total assets | 84.8246% | 277 |
| Net loans and leases to deposits | 122.9832% | 100 |
| Net loans and leases to core deposits | 153.6374% | 173 |
| Total domestic deposits to total assets | 68.9725% | 7,327 |
| Equity capital to assets | 9.2185% | 5,286 |
| Core capital (leverage) ratio | 8.5340% | 5,444 |
| Tier 1 risk-based capital ratio | 20.4259% | 1,460 |
| Total risk-based capital ratio | 21.7265% | 1,434 |
| Memoranda: | ||
| Average total assets | $21,935,649,250 | 56 |
| Average earning assets | $19,948,591,500 | 54 |
| Average equity | $1,977,789,750 | 67 |
| Average total loans | $19,550,810,500 | 41 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0407% | 4,746 |
| Cost of funding earning assets | 0.3614% | 7,685 |
| Net interest margin | 4.6793% | 843 |
| Noninterest income to average assets | 0.0640% | 7,265 |
| Noninterest expense to average assets | 0.3125% | 7,812 |
| Loan and lease loss provision to assets | 0.2074% | 4,802 |
| Net operating income to assets | 2.4425% | 147 |
| Return on assets (ROA) | 2.4425% | 153 |
| Pretax return on assets | 3.8027% | 78 |
| Return on Equity (ROE) | 27.2792% | 83 |
| Retained earnings to average equity (ytd only) | 27.2792% | 33 |
| Net charge-offs to loans | 0.5359% | 2,922 |
| Credit loss provision to net charge-offs | 42.9128% | 5,556 |
| Earnings coverage of net charge-offs (x) | 8.2989% | 2,156 |
| Efficiency ratio | 5.3224% | 7,812 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5823% | 7,434 |
| Loan loss allowance to noncurrent loans | 7.8449% | 7,287 |
| Noncurrent assets plus other real estate owned to assets | 6.7086% | 813 |
| Noncurrent loans to loans | 7.4233% | 727 |
| Net loans and leases to total assets | 89.8457% | 79 |
| Net loans and leases to deposits | 140.5797% | 47 |
| Net loans and leases to core deposits | 175.6167% | 123 |
| Total domestic deposits to total assets | 63.9109% | 7,588 |
| Equity capital to assets | 10.1068% | 3,881 |
| Core capital (leverage) ratio | 9.0840% | 4,477 |
| Tier 1 risk-based capital ratio | 21.8338% | 1,232 |
| Total risk-based capital ratio | 23.0610% | 1,208 |
| Memoranda: | ||
| Average total assets | $22,315,445,670 | 55 |
| Average earning assets | $20,308,899,670 | 53 |
| Average equity | $1,998,019,670 | 66 |
| Average total loans | $20,119,265,330 | 41 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 4,877 |
| Cost of funding earning assets | 0.3397% | 7,798 |
| Net interest margin | 4.6908% | 795 |
| Noninterest income to average assets | 0.1100% | 7,147 |
| Noninterest expense to average assets | 0.2968% | 7,919 |
| Loan and lease loss provision to assets | -0.1732% | 7,877 |
| Net operating income to assets | 2.7265% | 113 |
| Return on assets (ROA) | 2.7265% | 119 |
| Pretax return on assets | 4.2439% | 69 |
| Return on Equity (ROE) | 32.3642% | 71 |
| Retained earnings to average equity (ytd only) | 32.3642% | 53 |
| Net charge-offs to loans | 0.5286% | 2,481 |
| Credit loss provision to net charge-offs | -36.3796% | 5,992 |
| Earnings coverage of net charge-offs (x) | 8.5505% | 1,947 |
| Efficiency ratio | 4.9597% | 7,918 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5189% | 7,576 |
| Loan loss allowance to noncurrent loans | 6.6082% | 7,370 |
| Noncurrent assets plus other real estate owned to assets | 7.0843% | 756 |
| Noncurrent loans to loans | 7.8519% | 696 |
| Net loans and leases to total assets | 89.7562% | 73 |
| Net loans and leases to deposits | 130.4299% | 78 |
| Net loans and leases to core deposits | 157.2432% | 199 |
| Total domestic deposits to total assets | 68.8157% | 7,478 |
| Equity capital to assets | 9.0270% | 5,241 |
| Core capital (leverage) ratio | 8.0230% | 6,203 |
| Tier 1 risk-based capital ratio | 28.7899% | 589 |
| Total risk-based capital ratio | 30.1100% | 573 |
| Memoranda: | ||
| Average total assets | $22,947,754,500 | 53 |
| Average earning assets | $20,827,779,500 | 51 |
| Average equity | $1,933,249,000 | 65 |
| Average total loans | $20,666,869,500 | 39 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 6,317 |
| Cost of funding earning assets | 0.5149% | 7,825 |
| Net interest margin | 4.5211% | 1,136 |
| Noninterest income to average assets | 0.0595% | 7,459 |
| Noninterest expense to average assets | 0.0879% | 8,008 |
| Loan and lease loss provision to assets | 0.7095% | 2,990 |
| Net operating income to assets | 2.2530% | 130 |
| Return on assets (ROA) | 2.2530% | 140 |
| Pretax return on assets | 3.5076% | 63 |
| Return on Equity (ROE) | 28.3761% | 58 |
| Retained earnings to average equity (ytd only) | -29.0575% | 7,369 |
| Net charge-offs to loans | 0.2908% | 4,818 |
| Credit loss provision to net charge-offs | 263.0909% | 1,337 |
| Earnings coverage of net charge-offs (x) | 15.6383% | 1,295 |
| Efficiency ratio | 1.6362% | 7,997 |
| Assets per employee ($millions) | 23,612.8040% | 1 |
| Cash dividends to net income (ytd only)* | 202.4014% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6668% | 7,442 |
| Loan loss allowance to noncurrent loans | 10.3864% | 7,362 |
| Noncurrent assets plus other real estate owned to assets | 5.7722% | 993 |
| Noncurrent loans to loans | 6.4203% | 947 |
| Net loans and leases to total assets | 89.3064% | 116 |
| Net loans and leases to deposits | 121.5176% | 157 |
| Net loans and leases to core deposits | 121.5176% | 1,834 |
| Total domestic deposits to total assets | 73.4925% | 7,089 |
| Equity capital to assets | 7.8561% | 6,713 |
| Core capital (leverage) ratio | 7.1461% | 7,116 |
| Tier 1 risk-based capital ratio | 24.7992% | 862 |
| Total risk-based capital ratio | 26.1187% | 833 |
| Memoranda: | ||
| Average total assets | $28,508,591,200 | 49 |
| Average earning assets | $26,770,870,400 | 48 |
| Average equity | $2,263,486,200 | 58 |
| Average total loans | $26,440,972,200 | 35 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 6,350 |
| Cost of funding earning assets | 0.5574% | 7,909 |
| Net interest margin | 4.5200% | 1,145 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.0536% | 8,097 |
| Loan and lease loss provision to assets | 0.4690% | 3,560 |
| Net operating income to assets | 2.4048% | 120 |
| Return on assets (ROA) | 2.4048% | 134 |
| Pretax return on assets | 3.7441% | 59 |
| Return on Equity (ROE) | 30.2259% | 59 |
| Retained earnings to average equity (ytd only) | -34.0269% | 7,676 |
| Net charge-offs to loans | 0.0360% | 6,397 |
| Credit loss provision to net charge-offs | 1,394.3474% | 282 |
| Earnings coverage of net charge-offs (x) | 125.2535% | 299 |
| Efficiency ratio | 1.2564% | 8,080 |
| Assets per employee ($millions) | 24,509.9110% | 1 |
| Cash dividends to net income (ytd only)* | 212.5755% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5077% | 7,702 |
| Loan loss allowance to noncurrent loans | 9.7099% | 7,458 |
| Noncurrent assets plus other real estate owned to assets | 4.7595% | 1,248 |
| Noncurrent loans to loans | 5.2282% | 1,228 |
| Net loans and leases to total assets | 90.5741% | 92 |
| Net loans and leases to deposits | 4,439,926.6000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0020% | 8,107 |
| Equity capital to assets | 7.7316% | 7,121 |
| Core capital (leverage) ratio | 7.0501% | 7,404 |
| Tier 1 risk-based capital ratio | 24.4307% | 958 |
| Total risk-based capital ratio | 25.7347% | 930 |
| Memoranda: | ||
| Average total assets | $29,732,538,000 | 51 |
| Average earning assets | $28,066,772,250 | 49 |
| Average equity | $2,365,598,000 | 56 |
| Average total loans | $27,743,888,750 | 36 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 6,627 |
| Cost of funding earning assets | 0.6579% | 7,951 |
| Net interest margin | 4.3899% | 1,430 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.0514% | 8,191 |
| Loan and lease loss provision to assets | 0.4168% | 3,451 |
| Net operating income to assets | 2.3848% | 134 |
| Return on assets (ROA) | 2.3848% | 149 |
| Pretax return on assets | 3.7130% | 60 |
| Return on Equity (ROE) | 29.7563% | 74 |
| Retained earnings to average equity (ytd only) | 10.7273% | 606 |
| Net charge-offs to loans | 0.0138% | 6,360 |
| Credit loss provision to net charge-offs | 3,224.3363% | 151 |
| Earnings coverage of net charge-offs (x) | 319.5098% | 119 |
| Efficiency ratio | 1.2297% | 8,167 |
| Assets per employee ($millions) | 27,717.6140% | 1 |
| Cash dividends to net income (ytd only)* | 63.9495% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3026% | 7,988 |
| Loan loss allowance to noncurrent loans | 8.7674% | 7,516 |
| Noncurrent assets plus other real estate owned to assets | 3.2810% | 1,890 |
| Noncurrent loans to loans | 3.4514% | 2,038 |
| Net loans and leases to total assets | 94.7744% | 21 |
| Net loans and leases to deposits | 5,253,839.8000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0018% | 8,204 |
| Equity capital to assets | 9.5031% | 4,606 |
| Core capital (leverage) ratio | 8.8851% | 4,809 |
| Tier 1 risk-based capital ratio | 35.0802% | 414 |
| Total risk-based capital ratio | 36.1421% | 414 |
| Memoranda: | ||
| Average total assets | $31,473,413,670 | 49 |
| Average earning assets | $29,976,598,330 | 47 |
| Average equity | $2,522,460,000 | 57 |
| Average total loans | $29,554,216,670 | 34 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0488% | 6,799 |
| Cost of funding earning assets | 0.8586% | 7,856 |
| Net interest margin | 4.1902% | 1,934 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.0637% | 8,243 |
| Loan and lease loss provision to assets | 0.6494% | 1,948 |
| Net operating income to assets | 2.1095% | 280 |
| Return on assets (ROA) | 2.1095% | 326 |
| Pretax return on assets | 3.2843% | 94 |
| Return on Equity (ROE) | 28.5223% | 120 |
| Retained earnings to average equity (ytd only) | -10.3965% | 7,149 |
| Net charge-offs to loans | 0.0037% | 5,667 |
| Credit loss provision to net charge-offs | 18,670.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,130.9793% | 8 |
| Efficiency ratio | 1.5935% | 8,221 |
| Assets per employee ($millions) | 31,292.0410% | 1 |
| Cash dividends to net income (ytd only)* | 136.4505% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2401% | 8,078 |
| Loan loss allowance to noncurrent loans | 11.7873% | 7,485 |
| Noncurrent assets plus other real estate owned to assets | 1.8988% | 3,061 |
| Noncurrent loans to loans | 2.0370% | 3,216 |
| Net loans and leases to total assets | 92.9922% | 45 |
| Net loans and leases to deposits | 5,819,832.6000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0016% | 8,255 |
| Equity capital to assets | 7.7803% | 7,094 |
| Core capital (leverage) ratio | 7.5548% | 7,087 |
| Tier 1 risk-based capital ratio | 29.2747% | 670 |
| Total risk-based capital ratio | 30.1168% | 681 |
| Memoranda: | ||
| Average total assets | $33,351,313,500 | 50 |
| Average earning assets | $31,816,604,000 | 46 |
| Average equity | $2,466,676,000 | 59 |
| Average total loans | $31,156,859,500 | 34 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3202% | 7,577 |
| Cost of funding earning assets | 2.5694% | 3,853 |
| Net interest margin | 2.7508% | 7,410 |
| Noninterest income to average assets | 0.0000% | 8,107 |
| Noninterest expense to average assets | 0.0421% | 8,297 |
| Loan and lease loss provision to assets | 0.0188% | 7,149 |
| Net operating income to assets | 1.6528% | 742 |
| Return on assets (ROA) | 1.6528% | 712 |
| Pretax return on assets | 2.5732% | 170 |
| Return on Equity (ROE) | 27.8235% | 83 |
| Retained earnings to average equity (ytd only) | 27.8235% | 12 |
| Net charge-offs to loans | 0.0026% | 6,979 |
| Credit loss provision to net charge-offs | 774.7452% | 554 |
| Earnings coverage of net charge-offs (x) | 1,070.0759% | 41 |
| Efficiency ratio | 1.5997% | 8,287 |
| Assets per employee ($millions) | 35,410.5860% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0488% | 8,220 |
| Loan loss allowance to noncurrent loans | 4.9003% | 7,546 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 4,499 |
| Noncurrent loans to loans | 0.9964% | 4,603 |
| Net loans and leases to total assets | 93.5549% | 41 |
| Net loans and leases to deposits | 6,625,667.4000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0014% | 8,312 |
| Equity capital to assets | 7.0565% | 7,708 |
| Core capital (leverage) ratio | 7.0055% | 7,694 |
| Tier 1 risk-based capital ratio | 24.9162% | 993 |
| Total risk-based capital ratio | 25.0776% | 1,086 |
| Memoranda: | ||
| Average total assets | $36,454,184,400 | 44 |
| Average earning assets | $34,907,096,200 | 42 |
| Average equity | $2,165,436,200 | 62 |
| Average total loans | $33,551,781,200 | 33 |