Home > BB&T Financial, FSB > Performance and Condition Ratios
BB&T Financial, FSB, Performance and Condition Ratios
| 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 | 7.3850% | 61 |
| Cost of funding earning assets | 0.3777% | 6,064 |
| Net interest margin | 7.0074% | 51 |
| Noninterest income to average assets | 9.4336% | 75 |
| Noninterest expense to average assets | 5.3568% | 296 |
| Loan and lease loss provision to assets | 1.6213% | 179 |
| Net operating income to assets | 5.5769% | 38 |
| Return on assets (ROA) | 5.5769% | 38 |
| Pretax return on assets | 8.8555% | 34 |
| Return on Equity (ROE) | 25.5529% | 117 |
| Retained earnings to average equity (ytd only) | 25.5529% | 28 |
| Net charge-offs to loans | 2.4079% | 265 |
| Credit loss provision to net charge-offs | 76.0122% | 3,971 |
| Earnings coverage of net charge-offs (x) | 4.9120% | 3,208 |
| Efficiency ratio | 33.6944% | 7,004 |
| Assets per employee ($millions) | 6.6744% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9715% | 293 |
| Loan loss allowance to noncurrent loans | 659.3843% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 5,151 |
| Noncurrent loans to loans | 0.6023% | 5,012 |
| Net loans and leases to total assets | 84.7383% | 184 |
| Net loans and leases to deposits | 259.4336% | 12 |
| Net loans and leases to core deposits | 1,673.0455% | 18 |
| Total domestic deposits to total assets | 32.6628% | 7,034 |
| Equity capital to assets | 23.6478% | 112 |
| Core capital (leverage) ratio | 22.8431% | 116 |
| Tier 1 risk-based capital ratio | 23.5754% | 1,025 |
| Total risk-based capital ratio | 24.8552% | 999 |
| Memoranda: | ||
| Average total assets | $2,733,962,000 | 267 |
| Average earning assets | $2,497,018,000 | 263 |
| Average equity | $596,688,600 | 174 |
| Average total loans | $2,421,718,400 | 205 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3560% | 66 |
| Cost of funding earning assets | 0.4616% | 5,711 |
| Net interest margin | 6.8944% | 55 |
| Noninterest income to average assets | 9.3793% | 76 |
| Noninterest expense to average assets | 5.2187% | 319 |
| Loan and lease loss provision to assets | 1.4066% | 232 |
| Net operating income to assets | 5.7362% | 35 |
| Return on assets (ROA) | 5.7362% | 35 |
| Pretax return on assets | 9.0765% | 33 |
| Return on Equity (ROE) | 26.8685% | 114 |
| Retained earnings to average equity (ytd only) | 26.8685% | 46 |
| Net charge-offs to loans | 2.4581% | 257 |
| Credit loss provision to net charge-offs | 64.5372% | 4,037 |
| Earnings coverage of net charge-offs (x) | 4.8098% | 3,197 |
| Efficiency ratio | 33.0980% | 7,105 |
| Assets per employee ($millions) | 6.5428% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9416% | 325 |
| Loan loss allowance to noncurrent loans | 703.3995% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 5,397 |
| Noncurrent loans to loans | 0.5604% | 5,323 |
| Net loans and leases to total assets | 87.4713% | 102 |
| Net loans and leases to deposits | 268.6963% | 13 |
| Net loans and leases to core deposits | 2,607.3289% | 15 |
| Total domestic deposits to total assets | 32.5540% | 7,136 |
| Equity capital to assets | 23.3426% | 131 |
| Core capital (leverage) ratio | 22.4811% | 131 |
| Tier 1 risk-based capital ratio | 23.2992% | 1,130 |
| Total risk-based capital ratio | 24.5803% | 1,102 |
| Memoranda: | ||
| Average total assets | $2,709,967,250 | 269 |
| Average earning assets | $2,485,158,750 | 262 |
| Average equity | $578,556,000 | 178 |
| Average total loans | $2,402,842,750 | 204 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3370% | 68 |
| Cost of funding earning assets | 0.5284% | 5,435 |
| Net interest margin | 6.8085% | 58 |
| Noninterest income to average assets | 9.1164% | 78 |
| Noninterest expense to average assets | 4.9413% | 395 |
| Loan and lease loss provision to assets | 0.4091% | 1,605 |
| Net operating income to assets | 6.2964% | 36 |
| Return on assets (ROA) | 6.2964% | 36 |
| Pretax return on assets | 9.9717% | 29 |
| Return on Equity (ROE) | 30.4425% | 75 |
| Retained earnings to average equity (ytd only) | 30.4425% | 42 |
| Net charge-offs to loans | 2.5691% | 269 |
| Credit loss provision to net charge-offs | 18.1241% | 4,641 |
| Earnings coverage of net charge-offs (x) | 4.5987% | 3,038 |
| Efficiency ratio | 32.1154% | 7,160 |
| Assets per employee ($millions) | 6.6496% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6756% | 437 |
| Loan loss allowance to noncurrent loans | 684.7875% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.4791% | 5,561 |
| Noncurrent loans to loans | 0.5368% | 5,445 |
| Net loans and leases to total assets | 85.9793% | 139 |
| Net loans and leases to deposits | 258.2035% | 12 |
| Net loans and leases to core deposits | 2,332.1217% | 18 |
| Total domestic deposits to total assets | 33.2991% | 7,201 |
| Equity capital to assets | 22.4071% | 146 |
| Core capital (leverage) ratio | 21.5386% | 147 |
| Tier 1 risk-based capital ratio | 22.4230% | 1,213 |
| Total risk-based capital ratio | 23.7003% | 1,193 |
| Memoranda: | ||
| Average total assets | $2,708,205,330 | 268 |
| Average earning assets | $2,468,409,330 | 264 |
| Average equity | $560,138,000 | 181 |
| Average total loans | $2,379,615,670 | 206 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4026% | 73 |
| Cost of funding earning assets | 0.6428% | 4,799 |
| Net interest margin | 6.7598% | 60 |
| Noninterest income to average assets | 8.7559% | 77 |
| Noninterest expense to average assets | 4.9397% | 383 |
| Loan and lease loss provision to assets | -0.7904% | 7,281 |
| Net operating income to assets | 6.7548% | 33 |
| Return on assets (ROA) | 6.7548% | 34 |
| Pretax return on assets | 10.7265% | 29 |
| Return on Equity (ROE) | 34.0611% | 72 |
| Retained earnings to average equity (ytd only) | 34.0611% | 46 |
| Net charge-offs to loans | 2.6128% | 311 |
| Credit loss provision to net charge-offs | -34.7003% | 5,406 |
| Earnings coverage of net charge-offs (x) | 4.3621% | 2,585 |
| Efficiency ratio | 33.0690% | 7,211 |
| Assets per employee ($millions) | 6.7451% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9416% | 387 |
| Loan loss allowance to noncurrent loans | 673.5917% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 5,590 |
| Noncurrent loans to loans | 0.5852% | 5,497 |
| Net loans and leases to total assets | 83.5878% | 193 |
| Net loans and leases to deposits | 249.0012% | 12 |
| Net loans and leases to core deposits | 2,134.8603% | 17 |
| Total domestic deposits to total assets | 33.5692% | 7,266 |
| Equity capital to assets | 20.9050% | 190 |
| Core capital (leverage) ratio | 20.1124% | 197 |
| Tier 1 risk-based capital ratio | 21.0161% | 1,495 |
| Total risk-based capital ratio | 22.2955% | 1,455 |
| Memoranda: | ||
| Average total assets | $2,719,090,000 | 267 |
| Average earning assets | $2,461,740,000 | 263 |
| Average equity | $539,231,000 | 182 |
| Average total loans | $2,370,464,000 | 205 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6969% | 60 |
| Cost of funding earning assets | 0.8287% | 4,640 |
| Net interest margin | 6.8682% | 56 |
| Noninterest income to average assets | 8.8526% | 68 |
| Noninterest expense to average assets | 4.8451% | 439 |
| Loan and lease loss provision to assets | 2.8372% | 137 |
| Net operating income to assets | 4.6874% | 43 |
| Return on assets (ROA) | 4.6874% | 44 |
| Pretax return on assets | 7.4507% | 40 |
| Return on Equity (ROE) | 27.0494% | 74 |
| Retained earnings to average equity (ytd only) | 27.0494% | 18 |
| Net charge-offs to loans | 3.0122% | 323 |
| Credit loss provision to net charge-offs | 106.8260% | 3,171 |
| Earnings coverage of net charge-offs (x) | 3.8736% | 3,353 |
| Efficiency ratio | 31.8373% | 7,286 |
| Assets per employee ($millions) | 6.9191% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7172% | 212 |
| Loan loss allowance to noncurrent loans | 690.7104% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 5,473 |
| Noncurrent loans to loans | 0.6829% | 5,335 |
| Net loans and leases to total assets | 83.2164% | 259 |
| Net loans and leases to deposits | 209.2174% | 14 |
| Net loans and leases to core deposits | 2,048.0454% | 19 |
| Total domestic deposits to total assets | 39.7751% | 7,306 |
| Equity capital to assets | 18.7793% | 292 |
| Core capital (leverage) ratio | 18.6190% | 266 |
| Tier 1 risk-based capital ratio | 18.9102% | 1,929 |
| Total risk-based capital ratio | 20.1987% | 1,872 |
| Memoranda: | ||
| Average total assets | $2,615,675,600 | 271 |
| Average earning assets | $2,391,789,600 | 266 |
| Average equity | $453,267,800 | 196 |
| Average total loans | $2,306,310,400 | 214 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7225% | 59 |
| Cost of funding earning assets | 0.8689% | 4,646 |
| Net interest margin | 6.8536% | 54 |
| Noninterest income to average assets | 8.7454% | 70 |
| Noninterest expense to average assets | 4.8055% | 436 |
| Loan and lease loss provision to assets | 2.6193% | 159 |
| Net operating income to assets | 4.8250% | 43 |
| Return on assets (ROA) | 4.8250% | 45 |
| Pretax return on assets | 7.6018% | 41 |
| Return on Equity (ROE) | 28.4773% | 69 |
| Retained earnings to average equity (ytd only) | 28.4773% | 26 |
| Net charge-offs to loans | 3.1295% | 292 |
| Credit loss provision to net charge-offs | 94.6856% | 3,617 |
| Earnings coverage of net charge-offs (x) | 3.6948% | 3,332 |
| Efficiency ratio | 31.7971% | 7,351 |
| Assets per employee ($millions) | 6.5303% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5010% | 266 |
| Loan loss allowance to noncurrent loans | 716.0608% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 5,707 |
| Noncurrent loans to loans | 0.6286% | 5,626 |
| Net loans and leases to total assets | 85.3281% | 150 |
| Net loans and leases to deposits | 211.3777% | 15 |
| Net loans and leases to core deposits | 3,745.5363% | 16 |
| Total domestic deposits to total assets | 40.3676% | 7,377 |
| Equity capital to assets | 18.5548% | 343 |
| Core capital (leverage) ratio | 17.7149% | 346 |
| Tier 1 risk-based capital ratio | 18.3810% | 2,124 |
| Total risk-based capital ratio | 19.6676% | 2,079 |
| Memoranda: | ||
| Average total assets | $2,582,877,500 | 273 |
| Average earning assets | $2,367,143,500 | 266 |
| Average equity | $437,624,000 | 201 |
| Average total loans | $2,283,135,500 | 213 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6709% | 65 |
| Cost of funding earning assets | 0.9219% | 4,509 |
| Net interest margin | 6.7491% | 61 |
| Noninterest income to average assets | 8.6280% | 75 |
| Noninterest expense to average assets | 4.7883% | 443 |
| Loan and lease loss provision to assets | 2.5274% | 206 |
| Net operating income to assets | 4.7622% | 53 |
| Return on assets (ROA) | 4.7622% | 54 |
| Pretax return on assets | 7.5015% | 44 |
| Return on Equity (ROE) | 29.0479% | 77 |
| Retained earnings to average equity (ytd only) | 29.0479% | 42 |
| Net charge-offs to loans | 3.4771% | 258 |
| Credit loss provision to net charge-offs | 82.5308% | 3,695 |
| Earnings coverage of net charge-offs (x) | 3.2749% | 3,230 |
| Efficiency ratio | 32.1292% | 7,424 |
| Assets per employee ($millions) | 6.4678% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4061% | 645 |
| Loan loss allowance to noncurrent loans | 610.8862% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 5,947 |
| Noncurrent loans to loans | 0.5576% | 5,802 |
| Net loans and leases to total assets | 84.6294% | 199 |
| Net loans and leases to deposits | 208.9816% | 18 |
| Net loans and leases to core deposits | 4,525.3333% | 18 |
| Total domestic deposits to total assets | 40.4961% | 7,450 |
| Equity capital to assets | 17.3094% | 450 |
| Core capital (leverage) ratio | 16.4892% | 452 |
| Tier 1 risk-based capital ratio | 17.1561% | 2,458 |
| Total risk-based capital ratio | 18.4294% | 2,427 |
| Memoranda: | ||
| Average total assets | $2,568,776,330 | 277 |
| Average earning assets | $2,355,677,000 | 269 |
| Average equity | $421,132,670 | 209 |
| Average total loans | $2,262,316,000 | 216 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6945% | 68 |
| Cost of funding earning assets | 1.0348% | 3,958 |
| Net interest margin | 6.6596% | 65 |
| Noninterest income to average assets | 8.3402% | 85 |
| Noninterest expense to average assets | 4.7043% | 481 |
| Loan and lease loss provision to assets | 2.7022% | 187 |
| Net operating income to assets | 4.4897% | 59 |
| Return on assets (ROA) | 4.4897% | 60 |
| Pretax return on assets | 7.0651% | 48 |
| Return on Equity (ROE) | 28.1960% | 106 |
| Retained earnings to average equity (ytd only) | 28.1960% | 72 |
| Net charge-offs to loans | 3.7844% | 253 |
| Credit loss provision to net charge-offs | 80.8603% | 3,141 |
| Earnings coverage of net charge-offs (x) | 2.9228% | 2,914 |
| Efficiency ratio | 32.3151% | 7,481 |
| Assets per employee ($millions) | 6.2609% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6382% | 547 |
| Loan loss allowance to noncurrent loans | 535.8547% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.6019% | 5,771 |
| Noncurrent loans to loans | 0.6789% | 5,666 |
| Net loans and leases to total assets | 85.4243% | 161 |
| Net loans and leases to deposits | 202.4434% | 18 |
| Net loans and leases to core deposits | 4,784.0085% | 19 |
| Total domestic deposits to total assets | 42.1966% | 7,504 |
| Equity capital to assets | 16.7029% | 478 |
| Core capital (leverage) ratio | 15.8814% | 522 |
| Tier 1 risk-based capital ratio | 16.6042% | 2,618 |
| Total risk-based capital ratio | 17.8808% | 2,586 |
| Memoranda: | ||
| Average total assets | $2,543,439,000 | 281 |
| Average earning assets | $2,341,687,500 | 273 |
| Average equity | $404,993,500 | 213 |
| Average total loans | $2,245,977,000 | 218 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7733% | 65 |
| Cost of funding earning assets | 1.2516% | 4,206 |
| Net interest margin | 6.5217% | 65 |
| Noninterest income to average assets | 8.5770% | 77 |
| Noninterest expense to average assets | 4.6562% | 570 |
| Loan and lease loss provision to assets | 3.0954% | 296 |
| Net operating income to assets | 4.2622% | 40 |
| Return on assets (ROA) | 4.2622% | 42 |
| Pretax return on assets | 6.7448% | 35 |
| Return on Equity (ROE) | 28.2205% | 53 |
| Retained earnings to average equity (ytd only) | 11.9084% | 279 |
| Net charge-offs to loans | 4.4513% | 247 |
| Credit loss provision to net charge-offs | 79.4970% | 5,578 |
| Earnings coverage of net charge-offs (x) | 2.5272% | 3,847 |
| Efficiency ratio | 31.8791% | 7,577 |
| Assets per employee ($millions) | 6.3769% | 1,004 |
| Cash dividends to net income (ytd only)* | 57.8024% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7524% | 498 |
| Loan loss allowance to noncurrent loans | 517.4008% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.6380% | 5,722 |
| Noncurrent loans to loans | 0.7252% | 5,597 |
| Net loans and leases to total assets | 84.6679% | 254 |
| Net loans and leases to deposits | 176.1946% | 28 |
| Net loans and leases to core deposits | 4,940.7008% | 18 |
| Total domestic deposits to total assets | 48.0536% | 7,570 |
| Equity capital to assets | 15.1631% | 750 |
| Core capital (leverage) ratio | 14.3438% | 781 |
| Tier 1 risk-based capital ratio | 15.0444% | 3,219 |
| Total risk-based capital ratio | 16.3221% | 3,150 |
| Memoranda: | ||
| Average total assets | $2,435,423,000 | 294 |
| Average earning assets | $2,210,522,600 | 289 |
| Average equity | $367,825,400 | 223 |
| Average total loans | $2,130,411,600 | 228 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8104% | 66 |
| Cost of funding earning assets | 1.2905% | 4,285 |
| Net interest margin | 6.5199% | 65 |
| Noninterest income to average assets | 8.7737% | 74 |
| Noninterest expense to average assets | 4.7716% | 455 |
| Loan and lease loss provision to assets | 2.5751% | 398 |
| Net operating income to assets | 4.6090% | 34 |
| Return on assets (ROA) | 4.6090% | 36 |
| Pretax return on assets | 7.3256% | 28 |
| Return on Equity (ROE) | 30.5496% | 45 |
| Retained earnings to average equity (ytd only) | 8.4581% | 1,251 |
| Net charge-offs to loans | 4.6057% | 209 |
| Credit loss provision to net charge-offs | 64.0131% | 5,591 |
| Earnings coverage of net charge-offs (x) | 2.4612% | 3,941 |
| Efficiency ratio | 32.2841% | 7,667 |
| Assets per employee ($millions) | 6.1740% | 1,132 |
| Cash dividends to net income (ytd only)* | 72.3135% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5855% | 509 |
| Loan loss allowance to noncurrent loans | 450.0803% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 5,719 |
| Noncurrent loans to loans | 0.7966% | 5,620 |
| Net loans and leases to total assets | 84.5438% | 298 |
| Net loans and leases to deposits | 195.1662% | 23 |
| Net loans and leases to core deposits | 10,322.4191% | 16 |
| Total domestic deposits to total assets | 43.3189% | 7,673 |
| Equity capital to assets | 14.8838% | 917 |
| Core capital (leverage) ratio | 13.9740% | 927 |
| Tier 1 risk-based capital ratio | 14.7358% | 3,373 |
| Total risk-based capital ratio | 16.0117% | 3,348 |
| Memoranda: | ||
| Average total assets | $2,400,212,000 | 296 |
| Average earning assets | $2,171,451,000 | 291 |
| Average equity | $362,121,250 | 220 |
| Average total loans | $2,096,437,000 | 229 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8761% | 69 |
| Cost of funding earning assets | 1.3362% | 4,288 |
| Net interest margin | 6.5399% | 66 |
| Noninterest income to average assets | 8.9250% | 72 |
| Noninterest expense to average assets | 4.8889% | 411 |
| Loan and lease loss provision to assets | 2.9743% | 328 |
| Net operating income to assets | 4.3674% | 43 |
| Return on assets (ROA) | 4.3674% | 42 |
| Pretax return on assets | 6.9333% | 37 |
| Return on Equity (ROE) | 28.8120% | 67 |
| Retained earnings to average equity (ytd only) | 6.5328% | 2,062 |
| Net charge-offs to loans | 5.0831% | 200 |
| Credit loss provision to net charge-offs | 67.0843% | 5,045 |
| Earnings coverage of net charge-offs (x) | 2.2346% | 3,889 |
| Efficiency ratio | 32.8097% | 7,728 |
| Assets per employee ($millions) | 5.6107% | 1,525 |
| Cash dividends to net income (ytd only)* | 77.3261% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1132% | 338 |
| Loan loss allowance to noncurrent loans | 526.8761% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 5,771 |
| Noncurrent loans to loans | 0.7807% | 5,713 |
| Net loans and leases to total assets | 84.6480% | 307 |
| Net loans and leases to deposits | 180.8931% | 28 |
| Net loans and leases to core deposits | 8,217.0547% | 15 |
| Total domestic deposits to total assets | 46.7945% | 7,740 |
| Equity capital to assets | 14.9964% | 885 |
| Core capital (leverage) ratio | 14.0426% | 918 |
| Tier 1 risk-based capital ratio | 14.6858% | 3,333 |
| Total risk-based capital ratio | 15.9677% | 3,290 |
| Memoranda: | ||
| Average total assets | $2,368,853,330 | 300 |
| Average earning assets | $2,126,732,330 | 297 |
| Average equity | $359,079,670 | 222 |
| Average total loans | $2,066,186,330 | 231 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9727% | 73 |
| Cost of funding earning assets | 1.4284% | 4,001 |
| Net interest margin | 6.5443% | 73 |
| Noninterest income to average assets | 8.7975% | 75 |
| Noninterest expense to average assets | 4.5031% | 578 |
| Loan and lease loss provision to assets | 3.2861% | 288 |
| Net operating income to assets | 4.3034% | 49 |
| Return on assets (ROA) | 4.3034% | 52 |
| Pretax return on assets | 6.8452% | 40 |
| Return on Equity (ROE) | 28.2354% | 108 |
| Retained earnings to average equity (ytd only) | 28.2354% | 80 |
| Net charge-offs to loans | 5.2327% | 225 |
| Credit loss provision to net charge-offs | 72.4455% | 4,044 |
| Earnings coverage of net charge-offs (x) | 2.2336% | 3,418 |
| Efficiency ratio | 30.5419% | 7,845 |
| Assets per employee ($millions) | 5.6581% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7746% | 209 |
| Loan loss allowance to noncurrent loans | 493.7576% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.8480% | 5,463 |
| Noncurrent loans to loans | 0.9670% | 5,403 |
| Net loans and leases to total assets | 83.5073% | 423 |
| Net loans and leases to deposits | 172.3454% | 30 |
| Net loans and leases to core deposits | 5,515.9738% | 20 |
| Total domestic deposits to total assets | 48.4535% | 7,843 |
| Equity capital to assets | 16.0226% | 664 |
| Core capital (leverage) ratio | 15.1171% | 732 |
| Tier 1 risk-based capital ratio | 15.7414% | 2,756 |
| Total risk-based capital ratio | 17.0304% | 2,683 |
| Memoranda: | ||
| Average total assets | $2,352,581,000 | 311 |
| Average earning assets | $2,098,309,500 | 311 |
| Average equity | $358,557,500 | 227 |
| Average total loans | $2,039,313,000 | 247 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1041% | 74 |
| Cost of funding earning assets | 1.5679% | 5,193 |
| Net interest margin | 6.5362% | 68 |
| Noninterest income to average assets | 9.5159% | 72 |
| Noninterest expense to average assets | 5.0481% | 502 |
| Loan and lease loss provision to assets | 7.1976% | 60 |
| Net operating income to assets | 1.8911% | 295 |
| Return on assets (ROA) | 2.4282% | 109 |
| Pretax return on assets | 3.9415% | 56 |
| Return on Equity (ROE) | 17.1790% | 444 |
| Retained earnings to average equity (ytd only) | 17.1790% | 59 |
| Net charge-offs to loans | 7.2924% | 105 |
| Credit loss provision to net charge-offs | 121.3662% | 4,385 |
| Earnings coverage of net charge-offs (x) | 1.7368% | 4,425 |
| Efficiency ratio | 32.6292% | 7,921 |
| Assets per employee ($millions) | 5.6391% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1110% | 165 |
| Loan loss allowance to noncurrent loans | 484.5476% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.9040% | 5,291 |
| Noncurrent loans to loans | 1.0548% | 5,211 |
| Net loans and leases to total assets | 81.3213% | 790 |
| Net loans and leases to deposits | 152.2208% | 41 |
| Net loans and leases to core deposits | 152.2208% | 458 |
| Total domestic deposits to total assets | 53.4233% | 7,885 |
| Equity capital to assets | 14.4809% | 1,031 |
| Core capital (leverage) ratio | 13.6108% | 1,064 |
| Tier 1 risk-based capital ratio | 14.1990% | 3,379 |
| Total risk-based capital ratio | 15.4905% | 3,308 |
| Memoranda: | ||
| Average total assets | $2,192,683,000 | 326 |
| Average earning assets | $1,956,525,800 | 327 |
| Average equity | $309,924,200 | 241 |
| Average total loans | $1,783,180,200 | 291 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9949% | 80 |
| Cost of funding earning assets | 1.6158% | 5,328 |
| Net interest margin | 6.3790% | 80 |
| Noninterest income to average assets | 9.5953% | 76 |
| Noninterest expense to average assets | 5.2876% | 408 |
| Loan and lease loss provision to assets | 7.1566% | 65 |
| Net operating income to assets | 1.7615% | 492 |
| Return on assets (ROA) | 2.4936% | 114 |
| Pretax return on assets | 4.0051% | 51 |
| Return on Equity (ROE) | 17.7627% | 480 |
| Retained earnings to average equity (ytd only) | 17.7627% | 91 |
| Net charge-offs to loans | 7.8189% | 86 |
| Credit loss provision to net charge-offs | 114.2579% | 4,445 |
| Earnings coverage of net charge-offs (x) | 1.5994% | 4,603 |
| Efficiency ratio | 34.2866% | 7,984 |
| Assets per employee ($millions) | 5.1585% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6298% | 188 |
| Loan loss allowance to noncurrent loans | 454.7239% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.8904% | 5,298 |
| Noncurrent loans to loans | 1.0182% | 5,273 |
| Net loans and leases to total assets | 83.4024% | 620 |
| Net loans and leases to deposits | 144.9723% | 62 |
| Net loans and leases to core deposits | 144.9723% | 729 |
| Total domestic deposits to total assets | 57.5299% | 7,908 |
| Equity capital to assets | 14.8086% | 1,063 |
| Core capital (leverage) ratio | 13.8760% | 1,120 |
| Tier 1 risk-based capital ratio | 14.6174% | 3,215 |
| Total risk-based capital ratio | 15.9052% | 3,145 |
| Memoranda: | ||
| Average total assets | $2,144,515,500 | 341 |
| Average earning assets | $1,919,617,000 | 341 |
| Average equity | $301,050,000 | 260 |
| Average total loans | $1,717,904,250 | 311 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7612% | 116 |
| Cost of funding earning assets | 1.5656% | 5,859 |
| Net interest margin | 6.1956% | 96 |
| Noninterest income to average assets | 9.2632% | 77 |
| Noninterest expense to average assets | 5.0771% | 487 |
| Loan and lease loss provision to assets | 7.7742% | 75 |
| Net operating income to assets | 1.1805% | 1,533 |
| Return on assets (ROA) | 2.0822% | 271 |
| Pretax return on assets | 3.3315% | 79 |
| Return on Equity (ROE) | 15.1278% | 813 |
| Retained earnings to average equity (ytd only) | 15.1278% | 203 |
| Net charge-offs to loans | 8.7777% | 78 |
| Credit loss provision to net charge-offs | 114.2849% | 4,056 |
| Earnings coverage of net charge-offs (x) | 1.4255% | 4,461 |
| Efficiency ratio | 34.0907% | 8,083 |
| Assets per employee ($millions) | 5.0755% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0100% | 127 |
| Loan loss allowance to noncurrent loans | 389.4679% | 809 |
| Noncurrent assets plus other real estate owned to assets | 1.0735% | 4,816 |
| Noncurrent loans to loans | 1.2864% | 4,627 |
| Net loans and leases to total assets | 79.2739% | 1,462 |
| Net loans and leases to deposits | 124.0938% | 176 |
| Net loans and leases to core deposits | 124.0938% | 2,019 |
| Total domestic deposits to total assets | 63.8823% | 7,837 |
| Equity capital to assets | 14.8562% | 1,067 |
| Core capital (leverage) ratio | 13.7571% | 1,202 |
| Tier 1 risk-based capital ratio | 14.4431% | 3,283 |
| Total risk-based capital ratio | 15.7325% | 3,200 |
| Memoranda: | ||
| Average total assets | $2,109,650,000 | 356 |
| Average earning assets | $1,876,365,330 | 357 |
| Average equity | $290,379,000 | 270 |
| Average total loans | $1,634,913,670 | 336 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7076% | 128 |
| Cost of funding earning assets | 1.2733% | 7,106 |
| Net interest margin | 6.4343% | 76 |
| Noninterest income to average assets | 7.3000% | 91 |
| Noninterest expense to average assets | 5.5756% | 352 |
| Loan and lease loss provision to assets | 5.8458% | 128 |
| Net operating income to assets | 1.0043% | 2,297 |
| Return on assets (ROA) | 2.7703% | 108 |
| Pretax return on assets | 4.4340% | 51 |
| Return on Equity (ROE) | 20.9038% | 371 |
| Retained earnings to average equity (ytd only) | 20.9038% | 147 |
| Net charge-offs to loans | 9.5247% | 69 |
| Credit loss provision to net charge-offs | 82.1574% | 4,160 |
| Earnings coverage of net charge-offs (x) | 1.0569% | 4,234 |
| Efficiency ratio | 42.2714% | 7,990 |
| Assets per employee ($millions) | 6.0399% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2033% | 185 |
| Loan loss allowance to noncurrent loans | 285.8986% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.9563% | 4,804 |
| Noncurrent loans to loans | 1.4702% | 4,096 |
| Net loans and leases to total assets | 62.3093% | 5,269 |
| Net loans and leases to deposits | 119.9905% | 288 |
| Net loans and leases to core deposits | 119.9905% | 2,412 |
| Total domestic deposits to total assets | 51.9285% | 8,086 |
| Equity capital to assets | 11.9076% | 2,318 |
| Core capital (leverage) ratio | 10.9545% | 2,536 |
| Tier 1 risk-based capital ratio | 14.0008% | 3,588 |
| Total risk-based capital ratio | 15.2790% | 3,493 |
| Memoranda: | ||
| Average total assets | $2,154,453,500 | 348 |
| Average earning assets | $1,940,729,500 | 348 |
| Average equity | $285,517,500 | 275 |
| Average total loans | $1,609,457,000 | 343 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2287% | 30 |
| Cost of funding earning assets | 2.5600% | 3,902 |
| Net interest margin | 9.6687% | 31 |
| Noninterest income to average assets | 13.1202% | 67 |
| Noninterest expense to average assets | 8.1572% | 213 |
| Loan and lease loss provision to assets | 5.6703% | 73 |
| Net operating income to assets | 4.7983% | 35 |
| Return on assets (ROA) | 5.6964% | 32 |
| Pretax return on assets | 9.1398% | 30 |
| Return on Equity (ROE) | 38.0676% | 19 |
| Retained earnings to average equity (ytd only) | 38.0676% | 6 |
| Net charge-offs to loans | 5.4891% | 80 |
| Credit loss provision to net charge-offs | 116.0368% | 4,650 |
| Earnings coverage of net charge-offs (x) | 2.7436% | 4,712 |
| Efficiency ratio | 37.4576% | 8,168 |
| Assets per employee ($millions) | 4.4449% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5920% | 127 |
| Loan loss allowance to noncurrent loans | 331.9764% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 1.2119% | 3,817 |
| Noncurrent loans to loans | 1.3832% | 3,755 |
| Net loans and leases to total assets | 83.5865% | 953 |
| Net loans and leases to deposits | 230.3614% | 32 |
| Net loans and leases to core deposits | 230.3614% | 93 |
| Total domestic deposits to total assets | 36.2850% | 8,207 |
| Equity capital to assets | 15.0491% | 1,150 |
| Core capital (leverage) ratio | 13.8410% | 1,297 |
| Tier 1 risk-based capital ratio | 14.3721% | 3,349 |
| Total risk-based capital ratio | 15.6590% | 3,252 |
| Memoranda: | ||
| Average total assets | $1,124,594,200 | 592 |
| Average earning assets | $982,138,600 | 612 |
| Average equity | $168,282,200 | 420 |
| Average total loans | $1,001,169,600 | 492 |