Home > Capmark Bank > Performance and Condition Ratios
Capmark Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2621% | 6,877 |
| Cost of funding earning assets | 0.6016% | 2,790 |
| Net interest margin | -0.3395% | 6,890 |
| Noninterest income to average assets | 0.0126% | 6,716 |
| Noninterest expense to average assets | 0.4116% | 6,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -0.7181% | 6,655 |
| Return on assets (ROA) | -0.7181% | 6,660 |
| Pretax return on assets | -0.7150% | 6,640 |
| Return on Equity (ROE) | -3.2458% | 6,534 |
| Retained earnings to average equity (ytd only) | -3.2458% | 6,378 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -135.6536% | 6,888 |
| Assets per employee ($millions) | 24.0914% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| 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% | 6,897 |
| Equity capital to assets | 94.2461% | 6 |
| Core capital (leverage) ratio | 38.0129% | 44 |
| Tier 1 risk-based capital ratio | 945.0262% | 2 |
| Total risk-based capital ratio | 945.0262% | 2 |
| Memoranda: | ||
| Average total assets | $827,016,250 | 804 |
| Average earning assets | $769,695,250 | 785 |
| Average equity | $182,959,250 | 419 |
| Average total loans | $652,000 | 6,851 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2675% | 6,930 |
| Cost of funding earning assets | 0.6273% | 2,710 |
| Net interest margin | -0.3598% | 6,938 |
| Noninterest income to average assets | 0.0147% | 6,759 |
| Noninterest expense to average assets | 0.3463% | 6,928 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.6946% | 6,691 |
| Return on assets (ROA) | -0.6946% | 6,705 |
| Pretax return on assets | -0.6720% | 6,682 |
| Return on Equity (ROE) | -3.5807% | 6,603 |
| Retained earnings to average equity (ytd only) | -3.5807% | 6,364 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -106.3584% | 6,936 |
| Assets per employee ($millions) | 149.4522% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 77.5568% | 6,059 |
| Equity capital to assets | 19.9381% | 212 |
| Core capital (leverage) ratio | 15.4946% | 524 |
| Tier 1 risk-based capital ratio | 1,244.2793% | 2 |
| Total risk-based capital ratio | 1,244.2793% | 2 |
| Memoranda: | ||
| Average total assets | $1,062,536,000 | 624 |
| Average earning assets | $1,004,886,000 | 596 |
| Average equity | $206,103,670 | 374 |
| Average total loans | $869,330 | 6,898 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2661% | 7,007 |
| Cost of funding earning assets | 0.6034% | 3,080 |
| Net interest margin | -0.3373% | 7,016 |
| Noninterest income to average assets | 0.0256% | 6,798 |
| Noninterest expense to average assets | 0.6425% | 6,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.9497% | 6,796 |
| Return on assets (ROA) | -0.9497% | 6,808 |
| Pretax return on assets | -0.9382% | 6,791 |
| Return on Equity (ROE) | -4.9382% | 6,692 |
| Retained earnings to average equity (ytd only) | -4.9382% | 6,361 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -217.2949% | 7,016 |
| Assets per employee ($millions) | 216.5490% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 84.0807% | 4,438 |
| Equity capital to assets | 14.2830% | 941 |
| Core capital (leverage) ratio | 12.3417% | 1,407 |
| Tier 1 risk-based capital ratio | 1,237.4810% | 2 |
| Total risk-based capital ratio | 1,237.4810% | 2 |
| Memoranda: | ||
| Average total assets | $1,220,173,500 | 541 |
| Average earning assets | $1,162,052,000 | 513 |
| Average equity | $234,660,500 | 336 |
| Average total loans | $1,304,000 | 6,974 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8833% | 6,999 |
| Cost of funding earning assets | 0.4377% | 5,666 |
| Net interest margin | 1.4456% | 6,997 |
| Noninterest income to average assets | 4.6716% | 158 |
| Noninterest expense to average assets | 1.6107% | 6,796 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 4.3364% | 52 |
| Return on assets (ROA) | 4.3413% | 53 |
| Pretax return on assets | 4.4260% | 65 |
| Return on Equity (ROE) | 12.7466% | 1,298 |
| Retained earnings to average equity (ytd only) | 12.7466% | 267 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.7040% | 7,031 |
| Assets per employee ($millions) | 226.2670% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 0.1921% | 7,042 |
| Net loans and leases to deposits | 0.2560% | 7,043 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 75.0294% | 6,444 |
| Equity capital to assets | 23.1786% | 122 |
| Core capital (leverage) ratio | 21.4063% | 149 |
| Tier 1 risk-based capital ratio | 1,728.7826% | 4 |
| Total risk-based capital ratio | 1,728.7826% | 4 |
| Memoranda: | ||
| Average total assets | $3,738,899,800 | 215 |
| Average earning assets | $3,518,153,000 | 206 |
| Average equity | $1,273,395,200 | 112 |
| Average total loans | $1,318,095,200 | 332 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1390% | 7,093 |
| Cost of funding earning assets | 0.4419% | 5,859 |
| Net interest margin | 1.6971% | 7,088 |
| Noninterest income to average assets | 5.3434% | 135 |
| Noninterest expense to average assets | 1.7183% | 6,772 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 5.1970% | 43 |
| Return on assets (ROA) | 5.1970% | 43 |
| Pretax return on assets | 5.2199% | 58 |
| Return on Equity (ROE) | 14.8870% | 927 |
| Retained earnings to average equity (ytd only) | 14.8870% | 242 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.7657% | 7,136 |
| Assets per employee ($millions) | 116.4622% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 0.1576% | 7,142 |
| Net loans and leases to deposits | 0.2210% | 7,144 |
| Net loans and leases to core deposits | 11.2071% | 7,118 |
| Total domestic deposits to total assets | 71.3019% | 6,775 |
| Equity capital to assets | 26.4139% | 93 |
| Core capital (leverage) ratio | 15.4780% | 542 |
| Tier 1 risk-based capital ratio | 1,269.8985% | 3 |
| Total risk-based capital ratio | 1,269.8985% | 3 |
| Memoranda: | ||
| Average total assets | $4,334,224,250 | 191 |
| Average earning assets | $4,072,940,750 | 186 |
| Average equity | $1,513,075,750 | 91 |
| Average total loans | $1,646,967,000 | 285 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3495% | 7,146 |
| Cost of funding earning assets | 0.4130% | 6,200 |
| Net interest margin | 1.9365% | 7,122 |
| Noninterest income to average assets | 4.7293% | 143 |
| Noninterest expense to average assets | 1.6784% | 6,858 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 4.8393% | 48 |
| Return on assets (ROA) | 4.8393% | 48 |
| Pretax return on assets | 4.8674% | 64 |
| Return on Equity (ROE) | 13.5206% | 1,231 |
| Retained earnings to average equity (ytd only) | 13.5206% | 388 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.6405% | 7,193 |
| Assets per employee ($millions) | 58.7133% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,187 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 4.4808% | 1,109 |
| Noncurrent loans to loans | 9.5230% | 296 |
| Net loans and leases to total assets | 27.9852% | 6,932 |
| Net loans and leases to deposits | 52.0452% | 6,024 |
| Net loans and leases to core deposits | 5,138.1804% | 12 |
| Total domestic deposits to total assets | 53.7710% | 7,167 |
| Equity capital to assets | 44.9418% | 39 |
| Core capital (leverage) ratio | 41.0360% | 41 |
| Tier 1 risk-based capital ratio | 133.9072% | 40 |
| Total risk-based capital ratio | 133.9072% | 41 |
| Memoranda: | ||
| Average total assets | $5,235,475,330 | 169 |
| Average earning assets | $4,910,711,670 | 163 |
| Average equity | $1,873,877,330 | 76 |
| Average total loans | $2,195,099,670 | 222 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3325% | 7,207 |
| Cost of funding earning assets | 0.4090% | 6,362 |
| Net interest margin | 1.9235% | 7,182 |
| Noninterest income to average assets | 1.6272% | 548 |
| Noninterest expense to average assets | 1.6608% | 6,928 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7245% | 689 |
| Return on assets (ROA) | 1.7245% | 768 |
| Pretax return on assets | 1.7724% | 1,143 |
| Return on Equity (ROE) | 5.3403% | 4,616 |
| Retained earnings to average equity (ytd only) | 5.3403% | 3,347 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3747% | 6,775 |
| Assets per employee ($millions) | 52.4973% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 14.1811% | 126 |
| Noncurrent loans to loans | 24.8323% | 21 |
| Net loans and leases to total assets | 47.7498% | 5,590 |
| Net loans and leases to deposits | 78.1678% | 2,477 |
| Net loans and leases to core deposits | 2,413.8381% | 16 |
| Total domestic deposits to total assets | 61.0863% | 7,183 |
| Equity capital to assets | 35.5488% | 44 |
| Core capital (leverage) ratio | 32.3634% | 49 |
| Tier 1 risk-based capital ratio | 67.7080% | 74 |
| Total risk-based capital ratio | 67.7080% | 75 |
| Memoranda: | ||
| Average total assets | $5,680,820,000 | 159 |
| Average earning assets | $5,334,090,000 | 152 |
| Average equity | $1,834,502,500 | 76 |
| Average total loans | $2,684,700,000 | 190 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5575% | 7,337 |
| Cost of funding earning assets | 0.0893% | 7,310 |
| Net interest margin | 0.4682% | 7,334 |
| Noninterest income to average assets | -0.2114% | 7,161 |
| Noninterest expense to average assets | 0.3778% | 7,336 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.2105% | 6,271 |
| Return on assets (ROA) | -0.2105% | 6,338 |
| Pretax return on assets | -0.1522% | 6,246 |
| Return on Equity (ROE) | -0.8597% | 6,233 |
| Retained earnings to average equity (ytd only) | -0.8597% | 5,981 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 167.4992% | 100 |
| Assets per employee ($millions) | 54.0738% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 14.7067% | 133 |
| Noncurrent loans to loans | 24.7642% | 25 |
| Net loans and leases to total assets | 46.8453% | 5,935 |
| Net loans and leases to deposits | 74.7257% | 3,388 |
| Net loans and leases to core deposits | 1,627.7355% | 22 |
| Total domestic deposits to total assets | 62.6896% | 7,194 |
| Equity capital to assets | 29.5479% | 71 |
| Core capital (leverage) ratio | 29.2930% | 69 |
| Tier 1 risk-based capital ratio | 53.7800% | 116 |
| Total risk-based capital ratio | 53.7800% | 119 |
| Memoranda: | ||
| Average total assets | $7,189,758,600 | 136 |
| Average earning assets | $6,708,912,200 | 132 |
| Average equity | $1,760,517,800 | 77 |
| Average total loans | $4,176,931,800 | 137 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 7,436 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | 0.0000% | 7,434 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 0.0000% | 7,434 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0000% | 6,154 |
| Return on assets (ROA) | 0.0000% | 6,254 |
| Pretax return on assets | 0.0000% | 6,230 |
| Return on Equity (ROE) | 0.0000% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,951 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 53.8336% | 33 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 16.3027% | 102 |
| Noncurrent loans to loans | 23.4101% | 34 |
| Net loans and leases to total assets | 56.4372% | 4,772 |
| Net loans and leases to deposits | 89.6388% | 1,256 |
| Net loans and leases to core deposits | 1,943.3654% | 22 |
| Total domestic deposits to total assets | 62.9607% | 7,261 |
| Equity capital to assets | 29.3986% | 83 |
| Core capital (leverage) ratio | 29.3986% | 78 |
| Tier 1 risk-based capital ratio | 44.7933% | 185 |
| Total risk-based capital ratio | 44.7933% | 191 |
| Memoranda: | ||
| Average total assets | $7,446,096,000 | 132 |
| Average earning assets | $6,948,388,500 | 128 |
| Average equity | $1,745,283,750 | 77 |
| Average total loans | $4,499,231,500 | 130 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1312% | 7,305 |
| Cost of funding earning assets | 1.9184% | 190 |
| Net interest margin | 1.2128% | 7,463 |
| Noninterest income to average assets | 4.4219% | 156 |
| Noninterest expense to average assets | 1.3611% | 7,373 |
| Loan and lease loss provision to assets | -1.1182% | 7,503 |
| Net operating income to assets | 5.2821% | 46 |
| Return on assets (ROA) | 5.2821% | 46 |
| Pretax return on assets | 5.3121% | 66 |
| Return on Equity (ROE) | 24.1655% | 156 |
| Retained earnings to average equity (ytd only) | 24.1655% | 56 |
| Net charge-offs to loans | 1.7102% | 837 |
| Credit loss provision to net charge-offs | -106.3514% | 6,313 |
| Earnings coverage of net charge-offs (x) | 3.9887% | 3,001 |
| Efficiency ratio | 24.5020% | 7,459 |
| Assets per employee ($millions) | 55.5520% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2388% | 350 |
| Loan loss allowance to noncurrent loans | 20.6552% | 6,703 |
| Noncurrent assets plus other real estate owned to assets | 15.0593% | 144 |
| Noncurrent loans to loans | 20.5218% | 55 |
| Net loans and leases to total assets | 57.8265% | 4,666 |
| Net loans and leases to deposits | 88.1622% | 1,474 |
| Net loans and leases to core deposits | 2,141.5514% | 23 |
| Total domestic deposits to total assets | 65.5910% | 7,268 |
| Equity capital to assets | 27.1245% | 100 |
| Core capital (leverage) ratio | 24.9670% | 116 |
| Tier 1 risk-based capital ratio | 40.4265% | 240 |
| Total risk-based capital ratio | 41.7091% | 230 |
| Memoranda: | ||
| Average total assets | $7,846,562,330 | 129 |
| Average earning assets | $7,330,887,670 | 126 |
| Average equity | $1,715,094,670 | 80 |
| Average total loans | $4,824,198,000 | 124 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2166% | 7,332 |
| Cost of funding earning assets | 1.9686% | 185 |
| Net interest margin | 1.2480% | 7,522 |
| Noninterest income to average assets | 3.0348% | 216 |
| Noninterest expense to average assets | 1.2687% | 7,472 |
| Loan and lease loss provision to assets | -1.5391% | 7,565 |
| Net operating income to assets | 4.4477% | 60 |
| Return on assets (ROA) | 4.4477% | 62 |
| Pretax return on assets | 4.4730% | 89 |
| Return on Equity (ROE) | 22.5166% | 230 |
| Retained earnings to average equity (ytd only) | 22.5166% | 128 |
| Net charge-offs to loans | 0.7058% | 1,804 |
| Credit loss provision to net charge-offs | -352.1933% | 5,902 |
| Earnings coverage of net charge-offs (x) | 6.7134% | 2,060 |
| Efficiency ratio | 30.1897% | 7,495 |
| Assets per employee ($millions) | 62.0041% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3614% | 324 |
| Loan loss allowance to noncurrent loans | 17.9215% | 6,839 |
| Noncurrent assets plus other real estate owned to assets | 18.5132% | 80 |
| Noncurrent loans to loans | 24.3359% | 41 |
| Net loans and leases to total assets | 59.1177% | 4,443 |
| Net loans and leases to deposits | 88.7671% | 1,380 |
| Net loans and leases to core deposits | 5,819.9650% | 18 |
| Total domestic deposits to total assets | 66.5987% | 7,312 |
| Equity capital to assets | 21.3620% | 190 |
| Core capital (leverage) ratio | 20.2497% | 218 |
| Tier 1 risk-based capital ratio | 30.4383% | 503 |
| Total risk-based capital ratio | 31.7213% | 496 |
| Memoranda: | ||
| Average total assets | $8,408,944,500 | 126 |
| Average earning assets | $7,868,383,500 | 121 |
| Average equity | $1,661,015,500 | 80 |
| Average total loans | $5,206,779,500 | 123 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9124% | 7,504 |
| Cost of funding earning assets | 2.0905% | 442 |
| Net interest margin | 0.8219% | 7,592 |
| Noninterest income to average assets | 1.0693% | 1,308 |
| Noninterest expense to average assets | 1.2723% | 7,526 |
| Loan and lease loss provision to assets | 6.1393% | 37 |
| Net operating income to assets | -5.5942% | 7,572 |
| Return on assets (ROA) | -5.5942% | 7,577 |
| Pretax return on assets | -5.5606% | 7,567 |
| Return on Equity (ROE) | -30.3992% | 7,235 |
| Retained earnings to average equity (ytd only) | -30.3992% | 7,223 |
| Net charge-offs to loans | 8.3064% | 32 |
| Credit loss provision to net charge-offs | 112.3982% | 3,884 |
| Earnings coverage of net charge-offs (x) | 0.1059% | 6,017 |
| Efficiency ratio | 68.7365% | 4,417 |
| Assets per employee ($millions) | 68.3672% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7021% | 240 |
| Loan loss allowance to noncurrent loans | 18.9390% | 6,852 |
| Noncurrent assets plus other real estate owned to assets | 18.3257% | 85 |
| Noncurrent loans to loans | 24.8278% | 45 |
| Net loans and leases to total assets | 59.0995% | 4,820 |
| Net loans and leases to deposits | 84.5560% | 2,369 |
| Net loans and leases to core deposits | 131,887.7024% | 2 |
| Total domestic deposits to total assets | 69.8939% | 7,242 |
| Equity capital to assets | 18.2937% | 355 |
| Core capital (leverage) ratio | 17.9875% | 330 |
| Tier 1 risk-based capital ratio | 25.2728% | 823 |
| Total risk-based capital ratio | 26.5588% | 799 |
| Memoranda: | ||
| Average total assets | $9,558,987,600 | 114 |
| Average earning assets | $9,091,711,000 | 105 |
| Average equity | $1,759,078,400 | 74 |
| Average total loans | $6,285,827,800 | 106 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9707% | 7,627 |
| Cost of funding earning assets | 2.0905% | 557 |
| Net interest margin | 0.8802% | 7,714 |
| Noninterest income to average assets | 0.8077% | 2,196 |
| Noninterest expense to average assets | 1.2041% | 7,661 |
| Loan and lease loss provision to assets | 6.4301% | 39 |
| Net operating income to assets | -5.9899% | 7,692 |
| Return on assets (ROA) | -5.9899% | 7,694 |
| Pretax return on assets | -5.9876% | 7,688 |
| Return on Equity (ROE) | -32.5061% | 7,421 |
| Retained earnings to average equity (ytd only) | -32.5061% | 7,416 |
| Net charge-offs to loans | 9.7471% | 24 |
| Credit loss provision to net charge-offs | 99.0458% | 4,402 |
| Earnings coverage of net charge-offs (x) | 0.0682% | 5,965 |
| Efficiency ratio | 73.1271% | 3,500 |
| Assets per employee ($millions) | 66.7068% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1794% | 710 |
| Loan loss allowance to noncurrent loans | 12.9774% | 7,122 |
| Noncurrent assets plus other real estate owned to assets | 18.8783% | 75 |
| Noncurrent loans to loans | 24.4992% | 31 |
| Net loans and leases to total assets | 63.5460% | 4,212 |
| Net loans and leases to deposits | 92.1379% | 1,427 |
| Net loans and leases to core deposits | 78,059.9645% | 4 |
| Total domestic deposits to total assets | 68.9683% | 7,329 |
| Equity capital to assets | 19.0202% | 347 |
| Core capital (leverage) ratio | 18.5829% | 319 |
| Tier 1 risk-based capital ratio | 25.4419% | 828 |
| Total risk-based capital ratio | 26.7121% | 805 |
| Memoranda: | ||
| Average total assets | $9,743,893,250 | 111 |
| Average earning assets | $9,286,889,500 | 103 |
| Average equity | $1,795,500,500 | 73 |
| Average total loans | $6,489,940,000 | 101 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9886% | 7,712 |
| Cost of funding earning assets | 2.0851% | 697 |
| Net interest margin | 0.9035% | 7,785 |
| Noninterest income to average assets | 1.1320% | 1,023 |
| Noninterest expense to average assets | 1.1770% | 7,740 |
| Loan and lease loss provision to assets | 7.6721% | 29 |
| Net operating income to assets | -6.8545% | 7,765 |
| Return on assets (ROA) | -6.8545% | 7,769 |
| Pretax return on assets | -6.8523% | 7,753 |
| Return on Equity (ROE) | -37.5619% | 7,513 |
| Retained earnings to average equity (ytd only) | -37.5619% | 7,503 |
| Net charge-offs to loans | 10.5934% | 29 |
| Credit loss provision to net charge-offs | 108.2603% | 3,760 |
| Earnings coverage of net charge-offs (x) | 0.1157% | 5,606 |
| Efficiency ratio | 58.9463% | 6,232 |
| Assets per employee ($millions) | 69.5856% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4411% | 576 |
| Loan loss allowance to noncurrent loans | 16.9036% | 7,073 |
| Noncurrent assets plus other real estate owned to assets | 16.1667% | 112 |
| Noncurrent loans to loans | 20.3571% | 79 |
| Net loans and leases to total assets | 65.2512% | 3,996 |
| Net loans and leases to deposits | 93.8359% | 1,296 |
| Net loans and leases to core deposits | 132,155.0244% | 3 |
| Total domestic deposits to total assets | 69.5375% | 7,360 |
| Equity capital to assets | 18.9674% | 346 |
| Core capital (leverage) ratio | 18.7981% | 303 |
| Tier 1 risk-based capital ratio | 24.8693% | 853 |
| Total risk-based capital ratio | 26.1427% | 836 |
| Memoranda: | ||
| Average total assets | $9,990,053,670 | 105 |
| Average earning assets | $9,561,607,000 | 98 |
| Average equity | $1,823,050,330 | 71 |
| Average total loans | $6,683,089,330 | 100 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9981% | 7,809 |
| Cost of funding earning assets | 2.1839% | 622 |
| Net interest margin | 0.8142% | 7,890 |
| Noninterest income to average assets | 2.0037% | 337 |
| Noninterest expense to average assets | 0.9057% | 7,885 |
| Loan and lease loss provision to assets | 7.3272% | 77 |
| Net operating income to assets | -5.4513% | 7,803 |
| Return on assets (ROA) | -5.4513% | 7,806 |
| Pretax return on assets | -5.4491% | 7,785 |
| Return on Equity (ROE) | -30.4312% | 7,580 |
| Retained earnings to average equity (ytd only) | -30.4312% | 7,555 |
| Net charge-offs to loans | 8.6601% | 75 |
| Credit loss provision to net charge-offs | 127.0771% | 2,775 |
| Earnings coverage of net charge-offs (x) | 0.3257% | 4,752 |
| Efficiency ratio | 32.5356% | 7,828 |
| Assets per employee ($millions) | 364.8932% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5002% | 549 |
| Loan loss allowance to noncurrent loans | 35.3078% | 6,028 |
| Noncurrent assets plus other real estate owned to assets | 9.1933% | 474 |
| Noncurrent loans to loans | 9.9133% | 429 |
| Net loans and leases to total assets | 65.5039% | 3,987 |
| Net loans and leases to deposits | 91.9018% | 1,623 |
| Net loans and leases to core deposits | 143,571.1235% | 4 |
| Total domestic deposits to total assets | 71.2760% | 7,326 |
| Equity capital to assets | 17.8706% | 433 |
| Core capital (leverage) ratio | 17.1656% | 441 |
| Tier 1 risk-based capital ratio | 23.0531% | 1,066 |
| Total risk-based capital ratio | 24.3260% | 1,043 |
| Memoranda: | ||
| Average total assets | $10,218,470,000 | 104 |
| Average earning assets | $9,790,153,000 | 96 |
| Average equity | $1,830,474,500 | 70 |
| Average total loans | $6,803,524,000 | 98 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 7,827 |
| Cost of funding earning assets | 2.4543% | 1,135 |
| Net interest margin | 1.0717% | 7,924 |
| Noninterest income to average assets | -1.8243% | 8,002 |
| Noninterest expense to average assets | 0.5856% | 7,978 |
| Loan and lease loss provision to assets | 5.6520% | 136 |
| Net operating income to assets | -6.6468% | 7,875 |
| Return on assets (ROA) | -6.6468% | 7,869 |
| Pretax return on assets | -7.0210% | 7,872 |
| Return on Equity (ROE) | -46.8264% | 7,650 |
| Retained earnings to average equity (ytd only) | -46.8264% | 7,638 |
| Net charge-offs to loans | 5.3714% | 216 |
| Credit loss provision to net charge-offs | 136.5450% | 3,615 |
| Earnings coverage of net charge-offs (x) | -0.3307% | 6,567 |
| Efficiency ratio | -74.7585% | 8,002 |
| Assets per employee ($millions) | 341.4459% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8065% | 927 |
| Loan loss allowance to noncurrent loans | 35.4356% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 6.9915% | 719 |
| Noncurrent loans to loans | 7.9200% | 642 |
| Net loans and leases to total assets | 63.5368% | 4,698 |
| Net loans and leases to deposits | 90.4256% | 2,155 |
| Net loans and leases to core deposits | 90.4256% | 5,076 |
| Total domestic deposits to total assets | 70.2642% | 7,405 |
| Equity capital to assets | 17.9532% | 451 |
| Core capital (leverage) ratio | 18.1771% | 392 |
| Tier 1 risk-based capital ratio | 24.9091% | 851 |
| Total risk-based capital ratio | 26.1755% | 828 |
| Memoranda: | ||
| Average total assets | $10,200,858,400 | 106 |
| Average earning assets | $9,908,129,800 | 97 |
| Average equity | $1,447,977,000 | 81 |
| Average total loans | $7,861,036,200 | 92 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 7,907 |
| Cost of funding earning assets | 2.5618% | 1,130 |
| Net interest margin | 1.0866% | 8,006 |
| Noninterest income to average assets | -2.0108% | 8,086 |
| Noninterest expense to average assets | 0.5010% | 8,072 |
| Loan and lease loss provision to assets | 5.6839% | 125 |
| Net operating income to assets | -6.6689% | 7,967 |
| Return on assets (ROA) | -6.6689% | 7,962 |
| Pretax return on assets | -7.1376% | 7,965 |
| Return on Equity (ROE) | -50.4819% | 7,838 |
| Retained earnings to average equity (ytd only) | -50.4819% | 7,833 |
| Net charge-offs to loans | 5.2247% | 201 |
| Credit loss provision to net charge-offs | 135.7760% | 3,658 |
| Earnings coverage of net charge-offs (x) | -0.3473% | 6,387 |
| Efficiency ratio | -52.5857% | 8,084 |
| Assets per employee ($millions) | 341.4540% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9412% | 1,926 |
| Loan loss allowance to noncurrent loans | 23.3899% | 6,879 |
| Noncurrent assets plus other real estate owned to assets | 6.8581% | 705 |
| Noncurrent loans to loans | 8.2992% | 569 |
| Net loans and leases to total assets | 73.2020% | 2,738 |
| Net loans and leases to deposits | 102.2969% | 908 |
| Net loans and leases to core deposits | 102.2969% | 4,129 |
| Total domestic deposits to total assets | 71.5584% | 7,269 |
| Equity capital to assets | 15.8046% | 820 |
| Core capital (leverage) ratio | 15.4587% | 772 |
| Tier 1 risk-based capital ratio | 18.6806% | 1,822 |
| Total risk-based capital ratio | 19.9364% | 1,781 |
| Memoranda: | ||
| Average total assets | $10,104,867,000 | 111 |
| Average earning assets | $9,839,929,750 | 102 |
| Average equity | $1,334,892,500 | 92 |
| Average total loans | $8,096,433,000 | 96 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8077% | 7,965 |
| Cost of funding earning assets | 2.6683% | 1,115 |
| Net interest margin | 1.1394% | 8,083 |
| Noninterest income to average assets | -2.6391% | 8,182 |
| Noninterest expense to average assets | 0.5290% | 8,167 |
| Loan and lease loss provision to assets | 3.9027% | 330 |
| Net operating income to assets | -5.2557% | 7,956 |
| Return on assets (ROA) | -5.2557% | 7,948 |
| Pretax return on assets | -5.9598% | 7,947 |
| Return on Equity (ROE) | -42.7639% | 7,866 |
| Retained earnings to average equity (ytd only) | -42.7639% | 7,855 |
| Net charge-offs to loans | 4.2038% | 323 |
| Credit loss provision to net charge-offs | 113.1244% | 4,098 |
| Earnings coverage of net charge-offs (x) | -0.5963% | 6,122 |
| Efficiency ratio | -34.6218% | 8,172 |
| Assets per employee ($millions) | 347.5795% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7694% | 7,254 |
| Loan loss allowance to noncurrent loans | 11.0867% | 7,477 |
| Noncurrent assets plus other real estate owned to assets | 5.6740% | 879 |
| Noncurrent loans to loans | 6.9403% | 711 |
| Net loans and leases to total assets | 72.3483% | 3,127 |
| Net loans and leases to deposits | 95.8625% | 1,818 |
| Net loans and leases to core deposits | 95.8625% | 4,917 |
| Total domestic deposits to total assets | 75.4709% | 6,664 |
| Equity capital to assets | 11.8409% | 2,298 |
| Core capital (leverage) ratio | 12.1537% | 1,771 |
| Tier 1 risk-based capital ratio | 14.1194% | 3,446 |
| Total risk-based capital ratio | 14.7883% | 3,728 |
| Memoranda: | ||
| Average total assets | $9,944,798,000 | 118 |
| Average earning assets | $9,697,665,670 | 108 |
| Average equity | $1,222,214,000 | 107 |
| Average total loans | $8,161,285,000 | 101 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 7,971 |
| Cost of funding earning assets | 2.7206% | 1,206 |
| Net interest margin | 1.3249% | 8,103 |
| Noninterest income to average assets | -1.2715% | 8,220 |
| Noninterest expense to average assets | 0.4829% | 8,217 |
| Loan and lease loss provision to assets | 1.6709% | 741 |
| Net operating income to assets | -1.3480% | 7,436 |
| Return on assets (ROA) | -1.3480% | 7,450 |
| Pretax return on assets | -2.1281% | 7,565 |
| Return on Equity (ROE) | -10.7353% | 7,411 |
| Retained earnings to average equity (ytd only) | -10.7353% | 7,181 |
| Net charge-offs to loans | 0.3116% | 2,857 |
| Credit loss provision to net charge-offs | 612.7626% | 926 |
| Earnings coverage of net charge-offs (x) | -1.6767% | 5,447 |
| Efficiency ratio | 1,882.3333% | 9 |
| Assets per employee ($millions) | 320.0697% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 6,869 |
| Loan loss allowance to noncurrent loans | 19.1535% | 7,214 |
| Noncurrent assets plus other real estate owned to assets | 3.8121% | 1,383 |
| Noncurrent loans to loans | 4.5497% | 1,260 |
| Net loans and leases to total assets | 80.6185% | 1,271 |
| Net loans and leases to deposits | 115.3107% | 405 |
| Net loans and leases to core deposits | 115.3107% | 2,875 |
| Total domestic deposits to total assets | 69.9141% | 7,432 |
| Equity capital to assets | 12.1464% | 2,167 |
| Core capital (leverage) ratio | 13.0947% | 1,452 |
| Tier 1 risk-based capital ratio | 13.2982% | 3,998 |
| Total risk-based capital ratio | 14.0741% | 4,225 |
| Memoranda: | ||
| Average total assets | $9,355,925,000 | 122 |
| Average earning assets | $9,159,641,500 | 113 |
| Average equity | $1,174,819,000 | 110 |
| Average total loans | $8,187,245,500 | 101 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5944% | 7,087 |
| Cost of funding earning assets | 3.8255% | 183 |
| Net interest margin | 1.7689% | 8,136 |
| Noninterest income to average assets | -1.1004% | 8,293 |
| Noninterest expense to average assets | 0.4386% | 8,264 |
| Loan and lease loss provision to assets | 0.6348% | 2,287 |
| Net operating income to assets | -0.2849% | 6,721 |
| Return on assets (ROA) | -0.2849% | 6,574 |
| Pretax return on assets | -0.4346% | 6,586 |
| Return on Equity (ROE) | -2.3762% | 6,552 |
| Retained earnings to average equity (ytd only) | -2.3762% | 5,972 |
| Net charge-offs to loans | 0.3226% | 3,243 |
| Credit loss provision to net charge-offs | 214.9175% | 2,247 |
| Earnings coverage of net charge-offs (x) | 0.6779% | 5,819 |
| Efficiency ratio | 68.6565% | 4,600 |
| Assets per employee ($millions) | 241.9891% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4958% | 7,858 |
| Loan loss allowance to noncurrent loans | 41.9750% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 1.1387% | 3,995 |
| Noncurrent loans to loans | 1.1811% | 4,155 |
| Net loans and leases to total assets | 94.5130% | 23 |
| Net loans and leases to deposits | 140.5367% | 104 |
| Net loans and leases to core deposits | 140.5367% | 1,238 |
| Total domestic deposits to total assets | 67.2515% | 7,547 |
| Equity capital to assets | 13.0535% | 1,761 |
| Core capital (leverage) ratio | 12.4750% | 1,765 |
| Tier 1 risk-based capital ratio | 13.3211% | 3,918 |
| Total risk-based capital ratio | 15.8500% | 3,173 |
| Memoranda: | ||
| Average total assets | $8,099,995,800 | 134 |
| Average earning assets | $7,963,851,000 | 121 |
| Average equity | $971,267,000 | 117 |
| Average total loans | $7,417,061,200 | 103 |