Home > Bank of Tokyo-Mitsubishi UFJ Trust Company > Performance and Condition Ratios
Bank of Tokyo-Mitsubishi UFJ Trust Company, Performance and Condition Ratios
| 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 | 1.4524% | 7,389 |
| Cost of funding earning assets | 0.3481% | 7,129 |
| Net interest margin | 1.1042% | 7,390 |
| Noninterest income to average assets | 0.9703% | 1,417 |
| Noninterest expense to average assets | 1.3643% | 7,292 |
| Loan and lease loss provision to assets | -0.1959% | 7,386 |
| Net operating income to assets | 0.5691% | 4,224 |
| Return on assets (ROA) | 0.6873% | 3,856 |
| Pretax return on assets | 1.0639% | 3,155 |
| Return on Equity (ROE) | 2.4312% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.4312% | 4,907 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5395% | 4,613 |
| Assets per employee ($millions) | 113.3126% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9788% | 875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 44.7855% | 6,259 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,443 |
| Equity capital to assets | 69.1060% | 35 |
| Core capital (leverage) ratio | 43.1427% | 48 |
| Tier 1 risk-based capital ratio | 128.1148% | 46 |
| Total risk-based capital ratio | 129.3809% | 46 |
| Memoranda: | ||
| Average total assets | $2,641,275,250 | 269 |
| Average earning assets | $2,583,510,250 | 246 |
| Average equity | $746,730,000 | 146 |
| Average total loans | $1,006,035,250 | 420 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4439% | 7,468 |
| Cost of funding earning assets | 0.3101% | 7,292 |
| Net interest margin | 1.1338% | 7,466 |
| Noninterest income to average assets | 1.0820% | 1,109 |
| Noninterest expense to average assets | 1.4071% | 7,353 |
| Loan and lease loss provision to assets | -0.2394% | 7,457 |
| Net operating income to assets | 0.6580% | 3,756 |
| Return on assets (ROA) | 0.7873% | 3,257 |
| Pretax return on assets | 1.2203% | 2,404 |
| Return on Equity (ROE) | 3.3696% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.3696% | 4,116 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2789% | 5,187 |
| Assets per employee ($millions) | 273.1987% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3445% | 1,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 23.9343% | 7,317 |
| Net loans and leases to deposits | 40.0167% | 7,065 |
| Net loans and leases to core deposits | 56.2519% | 6,395 |
| Total domestic deposits to total assets | 43.1719% | 7,444 |
| Equity capital to assets | 27.1307% | 99 |
| Core capital (leverage) ratio | 24.5729% | 120 |
| Tier 1 risk-based capital ratio | 86.5990% | 64 |
| Total risk-based capital ratio | 87.8562% | 64 |
| Memoranda: | ||
| Average total assets | $3,143,991,670 | 234 |
| Average earning assets | $3,069,677,670 | 222 |
| Average equity | $734,620,670 | 147 |
| Average total loans | $1,167,028,000 | 375 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5503% | 7,528 |
| Cost of funding earning assets | 0.2982% | 7,390 |
| Net interest margin | 1.2520% | 7,521 |
| Noninterest income to average assets | 1.6961% | 478 |
| Noninterest expense to average assets | 1.6984% | 7,232 |
| Loan and lease loss provision to assets | -0.3210% | 7,525 |
| Net operating income to assets | 0.8969% | 2,578 |
| Return on assets (ROA) | 0.8646% | 2,784 |
| Pretax return on assets | 1.4917% | 1,473 |
| Return on Equity (ROE) | 3.9605% | 4,925 |
| Retained earnings to average equity (ytd only) | 3.9605% | 3,797 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1711% | 6,248 |
| Assets per employee ($millions) | 33.8150% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 5,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 38.7145% | 6,862 |
| Net loans and leases to deposits | 59.2070% | 5,800 |
| Net loans and leases to core deposits | 92.6177% | 2,056 |
| Total domestic deposits to total assets | 42.2494% | 7,503 |
| Equity capital to assets | 22.6463% | 153 |
| Core capital (leverage) ratio | 22.6154% | 149 |
| Tier 1 risk-based capital ratio | 24.8914% | 886 |
| Total risk-based capital ratio | 25.4610% | 942 |
| Memoranda: | ||
| Average total assets | $3,349,994,000 | 229 |
| Average earning assets | $3,273,789,000 | 211 |
| Average equity | $731,328,000 | 148 |
| Average total loans | $1,415,752,500 | 324 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7959% | 7,573 |
| Cost of funding earning assets | 0.3094% | 7,495 |
| Net interest margin | 1.4866% | 7,548 |
| Noninterest income to average assets | 1.9091% | 427 |
| Noninterest expense to average assets | 2.0166% | 6,995 |
| Loan and lease loss provision to assets | -0.9078% | 7,653 |
| Net operating income to assets | 1.3506% | 1,047 |
| Return on assets (ROA) | 1.2836% | 1,272 |
| Pretax return on assets | 2.1265% | 375 |
| Return on Equity (ROE) | 7.2018% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.2018% | 1,236 |
| Net charge-offs to loans | 1.3006% | 1,717 |
| Credit loss provision to net charge-offs | -142.8908% | 7,042 |
| Earnings coverage of net charge-offs (x) | 2.0832% | 4,158 |
| Efficiency ratio | 55.0674% | 6,706 |
| Assets per employee ($millions) | 41.1160% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 5,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 44.5459% | 6,670 |
| Net loans and leases to deposits | 66.4562% | 5,343 |
| Net loans and leases to core deposits | 126.5558% | 385 |
| Total domestic deposits to total assets | 35.7871% | 7,595 |
| Equity capital to assets | 21.0641% | 203 |
| Core capital (leverage) ratio | 21.8652% | 170 |
| Tier 1 risk-based capital ratio | 21.7732% | 1,210 |
| Total risk-based capital ratio | 22.3559% | 1,278 |
| Memoranda: | ||
| Average total assets | $3,871,448,800 | 204 |
| Average earning assets | $3,726,448,200 | 195 |
| Average equity | $690,031,200 | 150 |
| Average total loans | $1,890,989,000 | 253 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8243% | 7,700 |
| Cost of funding earning assets | 0.3114% | 7,633 |
| Net interest margin | 1.5128% | 7,672 |
| Noninterest income to average assets | 0.8690% | 1,915 |
| Noninterest expense to average assets | 1.9420% | 7,147 |
| Loan and lease loss provision to assets | -0.4900% | 7,750 |
| Net operating income to assets | 0.5055% | 4,288 |
| Return on assets (ROA) | 0.4995% | 4,509 |
| Pretax return on assets | 0.8599% | 3,702 |
| Return on Equity (ROE) | 2.9175% | 5,257 |
| Retained earnings to average equity (ytd only) | 2.9175% | 4,383 |
| Net charge-offs to loans | 0.1678% | 4,969 |
| Credit loss provision to net charge-offs | -588.2448% | 7,036 |
| Earnings coverage of net charge-offs (x) | 4.5535% | 3,004 |
| Efficiency ratio | 82.9965% | 1,946 |
| Assets per employee ($millions) | 39.7344% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4387% | 567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 53.5251% | 5,915 |
| Net loans and leases to deposits | 84.8354% | 2,549 |
| Net loans and leases to core deposits | 126.4055% | 442 |
| Total domestic deposits to total assets | 42.9368% | 7,676 |
| Equity capital to assets | 21.1951% | 223 |
| Core capital (leverage) ratio | 19.6269% | 260 |
| Tier 1 risk-based capital ratio | 18.5007% | 1,868 |
| Total risk-based capital ratio | 19.7727% | 1,835 |
| Memoranda: | ||
| Average total assets | $3,975,875,000 | 201 |
| Average earning assets | $3,816,754,750 | 188 |
| Average equity | $680,663,750 | 150 |
| Average total loans | $1,974,245,000 | 245 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8056% | 7,778 |
| Cost of funding earning assets | 0.3006% | 7,711 |
| Net interest margin | 1.5050% | 7,743 |
| Noninterest income to average assets | 0.8387% | 1,925 |
| Noninterest expense to average assets | 2.4492% | 5,914 |
| Loan and lease loss provision to assets | -0.5362% | 7,815 |
| Net operating income to assets | 0.2273% | 5,470 |
| Return on assets (ROA) | 0.2324% | 5,585 |
| Pretax return on assets | 0.3802% | 5,278 |
| Return on Equity (ROE) | 1.4462% | 5,819 |
| Retained earnings to average equity (ytd only) | 1.4462% | 5,153 |
| Net charge-offs to loans | 0.2458% | 4,122 |
| Credit loss provision to net charge-offs | -452.9459% | 6,809 |
| Earnings coverage of net charge-offs (x) | -1.3852% | 6,165 |
| Efficiency ratio | 106.5406% | 620 |
| Assets per employee ($millions) | 49.1431% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5509% | 527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 48.2004% | 6,613 |
| Net loans and leases to deposits | 72.0178% | 4,993 |
| Net loans and leases to core deposits | 111.4107% | 1,066 |
| Total domestic deposits to total assets | 43.7738% | 7,745 |
| Equity capital to assets | 18.4810% | 378 |
| Core capital (leverage) ratio | 17.6486% | 384 |
| Tier 1 risk-based capital ratio | 17.5026% | 2,101 |
| Total risk-based capital ratio | 18.7774% | 2,060 |
| Memoranda: | ||
| Average total assets | $4,215,092,000 | 193 |
| Average earning assets | $4,051,088,000 | 180 |
| Average equity | $677,356,670 | 150 |
| Average total loans | $2,030,302,670 | 238 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6302% | 7,888 |
| Cost of funding earning assets | 0.2911% | 7,822 |
| Net interest margin | 1.3391% | 7,854 |
| Noninterest income to average assets | 0.8033% | 2,003 |
| Noninterest expense to average assets | 2.0468% | 7,068 |
| Loan and lease loss provision to assets | -0.6689% | 7,908 |
| Net operating income to assets | 0.4125% | 4,786 |
| Return on assets (ROA) | 0.4158% | 4,912 |
| Pretax return on assets | 0.7162% | 4,178 |
| Return on Equity (ROE) | 2.7578% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.7578% | 4,485 |
| Net charge-offs to loans | 0.1685% | 3,911 |
| Credit loss provision to net charge-offs | -836.9832% | 6,360 |
| Earnings coverage of net charge-offs (x) | 0.5263% | 4,565 |
| Efficiency ratio | 97.3326% | 952 |
| Assets per employee ($millions) | 45.5725% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6009% | 504 |
| Loan loss allowance to noncurrent loans | 1,112.7436% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 7,084 |
| Noncurrent loans to loans | 0.3236% | 6,655 |
| Net loans and leases to total assets | 46.7401% | 6,771 |
| Net loans and leases to deposits | 69.1577% | 5,450 |
| Net loans and leases to core deposits | 94.3597% | 2,792 |
| Total domestic deposits to total assets | 51.6200% | 7,826 |
| Equity capital to assets | 16.7229% | 563 |
| Core capital (leverage) ratio | 15.6914% | 629 |
| Tier 1 risk-based capital ratio | 16.8800% | 2,312 |
| Total risk-based capital ratio | 18.1541% | 2,253 |
| Memoranda: | ||
| Average total assets | $4,479,771,500 | 187 |
| Average earning assets | $4,300,758,500 | 174 |
| Average equity | $675,454,500 | 150 |
| Average total loans | $2,124,482,000 | 237 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2626% | 7,918 |
| Cost of funding earning assets | 0.4339% | 7,862 |
| Net interest margin | 1.8287% | 7,798 |
| Noninterest income to average assets | 1.6453% | 534 |
| Noninterest expense to average assets | 2.3376% | 6,644 |
| Loan and lease loss provision to assets | 1.5299% | 1,506 |
| Net operating income to assets | -0.8774% | 6,492 |
| Return on assets (ROA) | -0.6583% | 6,323 |
| Pretax return on assets | -0.4136% | 5,930 |
| Return on Equity (ROE) | -4.0559% | 6,117 |
| Retained earnings to average equity (ytd only) | -4.0559% | 5,875 |
| Net charge-offs to loans | 3.0871% | 670 |
| Credit loss provision to net charge-offs | 81.7002% | 6,252 |
| Earnings coverage of net charge-offs (x) | 0.4791% | 5,631 |
| Efficiency ratio | 71.8137% | 4,288 |
| Assets per employee ($millions) | 53.2999% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4701% | 544 |
| Loan loss allowance to noncurrent loans | 1,045.2818% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 7,089 |
| Noncurrent loans to loans | 0.3320% | 6,615 |
| Net loans and leases to total assets | 44.9302% | 7,062 |
| Net loans and leases to deposits | 61.7022% | 6,495 |
| Net loans and leases to core deposits | 99.0451% | 4,104 |
| Total domestic deposits to total assets | 48.4291% | 7,917 |
| Equity capital to assets | 13.7172% | 1,248 |
| Core capital (leverage) ratio | 16.0399% | 611 |
| Tier 1 risk-based capital ratio | 15.5061% | 2,713 |
| Total risk-based capital ratio | 16.7782% | 2,654 |
| Memoranda: | ||
| Average total assets | $4,180,732,000 | 200 |
| Average earning assets | $3,633,888,200 | 207 |
| Average equity | $678,517,400 | 145 |
| Average total loans | $2,535,895,200 | 210 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5135% | 8,009 |
| Cost of funding earning assets | 0.4868% | 7,949 |
| Net interest margin | 2.0267% | 7,800 |
| Noninterest income to average assets | 1.1482% | 1,191 |
| Noninterest expense to average assets | 3.1839% | 3,353 |
| Loan and lease loss provision to assets | 2.4671% | 675 |
| Net operating income to assets | -1.5210% | 7,126 |
| Return on assets (ROA) | -1.5192% | 7,119 |
| Pretax return on assets | -2.7905% | 7,450 |
| Return on Equity (ROE) | -8.9368% | 6,807 |
| Retained earnings to average equity (ytd only) | -8.9368% | 6,698 |
| Net charge-offs to loans | 3.9527% | 360 |
| Credit loss provision to net charge-offs | 96.0497% | 5,299 |
| Earnings coverage of net charge-offs (x) | -0.1270% | 6,217 |
| Efficiency ratio | 110.8765% | 754 |
| Assets per employee ($millions) | 37.1012% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6590% | 369 |
| Loan loss allowance to noncurrent loans | 73.2348% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 3.2331% | 2,097 |
| Noncurrent loans to loans | 4.9963% | 1,332 |
| Net loans and leases to total assets | 62.3430% | 5,186 |
| Net loans and leases to deposits | 93.0430% | 2,054 |
| Net loans and leases to core deposits | 153.1605% | 507 |
| Total domestic deposits to total assets | 44.7746% | 8,005 |
| Equity capital to assets | 17.2476% | 596 |
| Core capital (leverage) ratio | 16.1414% | 656 |
| Tier 1 risk-based capital ratio | 13.9276% | 3,591 |
| Total risk-based capital ratio | 15.2037% | 3,524 |
| Memoranda: | ||
| Average total assets | $4,000,018,000 | 218 |
| Average earning assets | $3,374,043,750 | 222 |
| Average equity | $679,987,750 | 148 |
| Average total loans | $2,599,271,000 | 219 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6662% | 8,097 |
| Cost of funding earning assets | 0.5174% | 8,035 |
| Net interest margin | 2.1488% | 7,778 |
| Noninterest income to average assets | 1.1460% | 1,191 |
| Noninterest expense to average assets | 2.5570% | 5,915 |
| Loan and lease loss provision to assets | 2.0628% | 780 |
| Net operating income to assets | -0.8423% | 6,857 |
| Return on assets (ROA) | -0.8403% | 6,862 |
| Pretax return on assets | -1.7213% | 7,180 |
| Return on Equity (ROE) | -4.9657% | 6,602 |
| Retained earnings to average equity (ytd only) | -4.9657% | 6,295 |
| Net charge-offs to loans | 2.0328% | 911 |
| Credit loss provision to net charge-offs | 155.9616% | 2,949 |
| Earnings coverage of net charge-offs (x) | 0.2559% | 5,414 |
| Efficiency ratio | 87.7899% | 2,040 |
| Assets per employee ($millions) | 38.0375% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1827% | 226 |
| Loan loss allowance to noncurrent loans | 121.9811% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 2.2714% | 2,870 |
| Noncurrent loans to loans | 3.4290% | 2,052 |
| Net loans and leases to total assets | 63.4708% | 5,083 |
| Net loans and leases to deposits | 93.1482% | 2,246 |
| Net loans and leases to core deposits | 165.8327% | 373 |
| Total domestic deposits to total assets | 42.2484% | 8,089 |
| Equity capital to assets | 17.4678% | 607 |
| Core capital (leverage) ratio | 17.7186% | 540 |
| Tier 1 risk-based capital ratio | 13.7247% | 3,675 |
| Total risk-based capital ratio | 14.9967% | 3,594 |
| Memoranda: | ||
| Average total assets | $4,059,548,670 | 219 |
| Average earning assets | $3,305,036,670 | 231 |
| Average equity | $686,948,670 | 150 |
| Average total loans | $2,641,403,670 | 224 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9936% | 8,142 |
| Cost of funding earning assets | 0.5599% | 8,074 |
| Net interest margin | 2.4337% | 7,581 |
| Noninterest income to average assets | 1.1219% | 1,177 |
| Noninterest expense to average assets | 2.4873% | 5,885 |
| Loan and lease loss provision to assets | 4.9540% | 163 |
| Net operating income to assets | -2.4551% | 7,757 |
| Return on assets (ROA) | -2.4545% | 7,756 |
| Pretax return on assets | -4.4642% | 7,947 |
| Return on Equity (ROE) | -14.7303% | 7,594 |
| Retained earnings to average equity (ytd only) | -14.7303% | 7,424 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0763% | 2,403 |
| Assets per employee ($millions) | 35.1929% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2494% | 97 |
| Loan loss allowance to noncurrent loans | 229.6066% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 1.7052% | 3,360 |
| Noncurrent loans to loans | 2.2863% | 2,874 |
| Net loans and leases to total assets | 70.6708% | 3,537 |
| Net loans and leases to deposits | 109.4960% | 640 |
| Net loans and leases to core deposits | 222.5671% | 97 |
| Total domestic deposits to total assets | 36.0937% | 8,156 |
| Equity capital to assets | 18.2611% | 573 |
| Core capital (leverage) ratio | 16.3546% | 734 |
| Tier 1 risk-based capital ratio | 12.9095% | 4,240 |
| Total risk-based capital ratio | 14.1879% | 4,151 |
| Memoranda: | ||
| Average total assets | $4,130,390,000 | 212 |
| Average earning assets | $3,146,960,000 | 241 |
| Average equity | $688,240,000 | 147 |
| Average total loans | $2,664,480,000 | 225 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 8,117 |
| Cost of funding earning assets | 1.4053% | 7,732 |
| Net interest margin | 2.4505% | 7,807 |
| Noninterest income to average assets | 1.0744% | 1,366 |
| Noninterest expense to average assets | 3.6895% | 1,971 |
| Loan and lease loss provision to assets | 1.5965% | 828 |
| Net operating income to assets | -1.2102% | 7,351 |
| Return on assets (ROA) | -1.6537% | 7,470 |
| Pretax return on assets | -2.8691% | 7,676 |
| Return on Equity (ROE) | -9.4435% | 7,237 |
| Retained earnings to average equity (ytd only) | -12.6707% | 7,303 |
| Net charge-offs to loans | 0.1194% | 5,058 |
| Credit loss provision to net charge-offs | 2,283.6982% | 203 |
| Earnings coverage of net charge-offs (x) | -8.2910% | 6,882 |
| Efficiency ratio | 118.1748% | 594 |
| Assets per employee ($millions) | 41.8855% | 43 |
| Cash dividends to net income (ytd only)* | -34.1739% | 8,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6352% | 251 |
| Loan loss allowance to noncurrent loans | 186.7552% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.0969% | 4,088 |
| Noncurrent loans to loans | 1.9465% | 2,837 |
| Net loans and leases to total assets | 54.3045% | 6,621 |
| Net loans and leases to deposits | 73.5241% | 5,895 |
| Net loans and leases to core deposits | 178.6773% | 302 |
| Total domestic deposits to total assets | 33.8915% | 8,212 |
| Equity capital to assets | 15.3692% | 1,069 |
| Core capital (leverage) ratio | 16.5829% | 750 |
| Tier 1 risk-based capital ratio | 13.2489% | 3,965 |
| Total risk-based capital ratio | 14.5125% | 3,869 |
| Memoranda: | ||
| Average total assets | $4,246,849,800 | 201 |
| Average earning assets | $3,527,657,600 | 214 |
| Average equity | $743,674,400 | 144 |
| Average total loans | $2,486,911,800 | 230 |