Home > Citicorp Trust Bank, fsb > Performance and Condition Ratios
Citicorp Trust Bank, fsb, Performance and Condition Ratios
| 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 | 6.0817% | 377 |
| Cost of funding earning assets | 3.2277% | 5 |
| Net interest margin | 2.8539% | 6,755 |
| Noninterest income to average assets | 2.3279% | 298 |
| Noninterest expense to average assets | 1.2390% | 7,258 |
| Loan and lease loss provision to assets | 3.8838% | 59 |
| Net operating income to assets | 0.0224% | 5,999 |
| Return on assets (ROA) | 0.0224% | 6,115 |
| Pretax return on assets | -0.0776% | 6,195 |
| Return on Equity (ROE) | 0.2145% | 6,113 |
| Retained earnings to average equity (ytd only) | 0.2145% | 5,734 |
| Net charge-offs to loans | 1.8609% | 777 |
| Credit loss provision to net charge-offs | 235.5767% | 1,034 |
| Earnings coverage of net charge-offs (x) | 2.3087% | 4,063 |
| Efficiency ratio | 24.4921% | 7,316 |
| Assets per employee ($millions) | 246.2098% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3870% | 68 |
| Loan loss allowance to noncurrent loans | 130.1930% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 4.2053% | 1,341 |
| Noncurrent loans to loans | 4.9058% | 1,167 |
| Net loans and leases to total assets | 78.4645% | 659 |
| Net loans and leases to deposits | 7,022.3834% | 5 |
| Net loans and leases to core deposits | 219,739.0284% | 2 |
| Total domestic deposits to total assets | 1.1173% | 7,350 |
| Equity capital to assets | 11.0685% | 2,926 |
| Core capital (leverage) ratio | 11.8544% | 1,685 |
| Tier 1 risk-based capital ratio | 23.5890% | 1,013 |
| Total risk-based capital ratio | 24.9551% | 985 |
| Memoranda: | ||
| Average total assets | $12,437,508,400 | 88 |
| Average earning assets | $11,842,353,200 | 84 |
| Average equity | $1,300,604,000 | 104 |
| Average total loans | $11,018,571,000 | 68 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1282% | 374 |
| Cost of funding earning assets | 3.1842% | 10 |
| Net interest margin | 2.9440% | 6,683 |
| Noninterest income to average assets | 0.3739% | 4,877 |
| Noninterest expense to average assets | 1.3025% | 7,313 |
| Loan and lease loss provision to assets | 2.2880% | 211 |
| Net operating income to assets | -0.2762% | 6,463 |
| Return on assets (ROA) | -0.2762% | 6,530 |
| Pretax return on assets | -0.4078% | 6,570 |
| Return on Equity (ROE) | -2.6776% | 6,539 |
| Retained earnings to average equity (ytd only) | -2.6776% | 6,379 |
| Net charge-offs to loans | 1.8750% | 697 |
| Credit loss provision to net charge-offs | 136.0227% | 2,349 |
| Earnings coverage of net charge-offs (x) | 1.1178% | 4,790 |
| Efficiency ratio | 40.8195% | 7,238 |
| Assets per employee ($millions) | 229.2069% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9672% | 401 |
| Loan loss allowance to noncurrent loans | 98.5037% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 3.7072% | 1,688 |
| Noncurrent loans to loans | 4.0275% | 1,646 |
| Net loans and leases to total assets | 85.2960% | 151 |
| Net loans and leases to deposits | 7,559.4790% | 5 |
| Net loans and leases to core deposits | 245,101.4258% | 2 |
| Total domestic deposits to total assets | 1.1283% | 7,430 |
| Equity capital to assets | 10.7928% | 3,372 |
| Core capital (leverage) ratio | 11.7376% | 1,866 |
| Tier 1 risk-based capital ratio | 23.2230% | 1,116 |
| Total risk-based capital ratio | 24.5437% | 1,089 |
| Memoranda: | ||
| Average total assets | $12,592,368,500 | 88 |
| Average earning assets | $12,013,748,000 | 84 |
| Average equity | $1,298,735,250 | 102 |
| Average total loans | $11,296,797,750 | 65 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0859% | 401 |
| Cost of funding earning assets | 3.1175% | 10 |
| Net interest margin | 2.9685% | 6,661 |
| Noninterest income to average assets | 0.5259% | 3,658 |
| Noninterest expense to average assets | 1.2861% | 7,399 |
| Loan and lease loss provision to assets | 2.2953% | 242 |
| Net operating income to assets | -0.1681% | 6,439 |
| Return on assets (ROA) | -0.1681% | 6,476 |
| Pretax return on assets | -0.2237% | 6,475 |
| Return on Equity (ROE) | -1.6530% | 6,478 |
| Retained earnings to average equity (ytd only) | -1.6530% | 6,185 |
| Net charge-offs to loans | 2.0908% | 627 |
| Credit loss provision to net charge-offs | 122.0051% | 2,499 |
| Earnings coverage of net charge-offs (x) | 1.1012% | 4,452 |
| Efficiency ratio | 38.2054% | 7,362 |
| Assets per employee ($millions) | 206.1575% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5097% | 591 |
| Loan loss allowance to noncurrent loans | 69.6541% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 4.8188% | 1,286 |
| Noncurrent loans to loans | 5.0388% | 1,295 |
| Net loans and leases to total assets | 89.2229% | 53 |
| Net loans and leases to deposits | 7,938.0383% | 6 |
| Net loans and leases to core deposits | 268,765.9831% | 2 |
| Total domestic deposits to total assets | 1.1240% | 7,507 |
| Equity capital to assets | 11.0027% | 2,946 |
| Core capital (leverage) ratio | 11.8060% | 1,718 |
| Tier 1 risk-based capital ratio | 22.1829% | 1,227 |
| Total risk-based capital ratio | 23.4927% | 1,192 |
| Memoranda: | ||
| Average total assets | $12,893,306,670 | 88 |
| Average earning assets | $12,299,762,670 | 81 |
| Average equity | $1,311,103,000 | 102 |
| Average total loans | $11,601,520,670 | 67 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0302% | 447 |
| Cost of funding earning assets | 2.9979% | 12 |
| Net interest margin | 3.0323% | 6,506 |
| Noninterest income to average assets | 0.9774% | 1,396 |
| Noninterest expense to average assets | 1.2943% | 7,462 |
| Loan and lease loss provision to assets | 3.1863% | 148 |
| Net operating income to assets | -0.4146% | 6,745 |
| Return on assets (ROA) | -0.4146% | 6,755 |
| Pretax return on assets | -0.6110% | 6,822 |
| Return on Equity (ROE) | -4.2282% | 6,761 |
| Retained earnings to average equity (ytd only) | -4.2282% | 6,447 |
| Net charge-offs to loans | 2.6409% | 417 |
| Credit loss provision to net charge-offs | 135.7221% | 2,050 |
| Earnings coverage of net charge-offs (x) | 1.0969% | 3,843 |
| Efficiency ratio | 33.3653% | 7,472 |
| Assets per employee ($millions) | 90.4061% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3532% | 684 |
| Loan loss allowance to noncurrent loans | 45.8942% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 6.4076% | 878 |
| Noncurrent loans to loans | 7.3064% | 726 |
| Net loans and leases to total assets | 82.4825% | 308 |
| Net loans and leases to deposits | 175.1487% | 24 |
| Net loans and leases to core deposits | 16,958.4806% | 12 |
| Total domestic deposits to total assets | 47.0928% | 7,494 |
| Equity capital to assets | 9.8840% | 3,918 |
| Core capital (leverage) ratio | 9.7454% | 3,456 |
| Tier 1 risk-based capital ratio | 19.5031% | 1,697 |
| Total risk-based capital ratio | 20.8083% | 1,650 |
| Memoranda: | ||
| Average total assets | $13,464,470,000 | 83 |
| Average earning assets | $12,842,098,500 | 78 |
| Average equity | $1,320,189,500 | 100 |
| Average total loans | $11,969,318,000 | 65 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7217% | 69 |
| Cost of funding earning assets | 3.3390% | 12 |
| Net interest margin | 4.3826% | 1,544 |
| Noninterest income to average assets | 0.6845% | 2,941 |
| Noninterest expense to average assets | 2.7224% | 4,887 |
| Loan and lease loss provision to assets | 1.4818% | 1,006 |
| Net operating income to assets | 0.3957% | 4,559 |
| Return on assets (ROA) | 0.3957% | 4,702 |
| Pretax return on assets | 0.6490% | 4,170 |
| Return on Equity (ROE) | 4.8062% | 4,158 |
| Retained earnings to average equity (ytd only) | 4.8062% | 2,539 |
| Net charge-offs to loans | 4.1380% | 297 |
| Credit loss provision to net charge-offs | 37.1868% | 6,420 |
| Earnings coverage of net charge-offs (x) | 0.5347% | 5,579 |
| Efficiency ratio | 55.9016% | 6,609 |
| Assets per employee ($millions) | 64.2125% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8330% | 1,016 |
| Loan loss allowance to noncurrent loans | 39.7920% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 6.7630% | 828 |
| Noncurrent loans to loans | 7.1195% | 783 |
| Net loans and leases to total assets | 89.7849% | 62 |
| Net loans and leases to deposits | 193.3165% | 24 |
| Net loans and leases to core deposits | 119,029.4814% | 3 |
| Total domestic deposits to total assets | 46.4445% | 7,573 |
| Equity capital to assets | 9.7269% | 4,087 |
| Core capital (leverage) ratio | 10.3193% | 2,751 |
| Tier 1 risk-based capital ratio | 17.6506% | 2,110 |
| Total risk-based capital ratio | 18.9404% | 2,062 |
| Memoranda: | ||
| Average total assets | $16,041,680,400 | 72 |
| Average earning assets | $15,258,799,400 | 70 |
| Average equity | $1,320,795,200 | 98 |
| Average total loans | $15,447,986,200 | 51 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9932% | 60 |
| Cost of funding earning assets | 3.4287% | 11 |
| Net interest margin | 4.5645% | 1,121 |
| Noninterest income to average assets | 0.1583% | 6,732 |
| Noninterest expense to average assets | 2.5290% | 5,608 |
| Loan and lease loss provision to assets | 0.9820% | 1,520 |
| Net operating income to assets | 0.6683% | 3,553 |
| Return on assets (ROA) | 0.6683% | 3,717 |
| Pretax return on assets | 0.9894% | 3,218 |
| Return on Equity (ROE) | 8.4274% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.4274% | 1,269 |
| Net charge-offs to loans | 4.2496% | 266 |
| Credit loss provision to net charge-offs | 23.8013% | 6,215 |
| Earnings coverage of net charge-offs (x) | 0.4778% | 5,545 |
| Efficiency ratio | 55.9575% | 6,562 |
| Assets per employee ($millions) | 47.1023% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4934% | 1,337 |
| Loan loss allowance to noncurrent loans | 28.4615% | 6,421 |
| Noncurrent assets plus other real estate owned to assets | 8.6542% | 545 |
| Noncurrent loans to loans | 8.7605% | 562 |
| Net loans and leases to total assets | 94.8351% | 8 |
| Net loans and leases to deposits | 230.4279% | 19 |
| Net loans and leases to core deposits | 296,615.1389% | 2 |
| Total domestic deposits to total assets | 41.1561% | 7,683 |
| Equity capital to assets | 8.6656% | 6,081 |
| Core capital (leverage) ratio | 9.4668% | 3,952 |
| Tier 1 risk-based capital ratio | 14.5614% | 3,478 |
| Total risk-based capital ratio | 15.8420% | 3,431 |
| Memoranda: | ||
| Average total assets | $16,664,891,250 | 72 |
| Average earning assets | $15,853,447,000 | 68 |
| Average equity | $1,321,522,500 | 96 |
| Average total loans | $16,180,110,500 | 48 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0441% | 64 |
| Cost of funding earning assets | 3.5922% | 10 |
| Net interest margin | 4.4519% | 1,312 |
| Noninterest income to average assets | 0.2248% | 6,310 |
| Noninterest expense to average assets | 2.6123% | 5,271 |
| Loan and lease loss provision to assets | 1.2764% | 1,090 |
| Net operating income to assets | 0.4419% | 4,578 |
| Return on assets (ROA) | 0.4419% | 4,732 |
| Pretax return on assets | 0.5748% | 4,649 |
| Return on Equity (ROE) | 5.7260% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.7260% | 2,484 |
| Net charge-offs to loans | 2.5583% | 662 |
| Credit loss provision to net charge-offs | 51.4153% | 5,388 |
| Earnings coverage of net charge-offs (x) | 0.7457% | 5,000 |
| Efficiency ratio | 58.2567% | 6,345 |
| Assets per employee ($millions) | 46.5766% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1679% | 319 |
| Loan loss allowance to noncurrent loans | 49.5452% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 8.4071% | 560 |
| Noncurrent loans to loans | 8.4123% | 599 |
| Net loans and leases to total assets | 94.7107% | 9 |
| Net loans and leases to deposits | 242.6106% | 19 |
| Net loans and leases to core deposits | 633,914.4970% | 1 |
| Total domestic deposits to total assets | 39.0381% | 7,757 |
| Equity capital to assets | 8.2090% | 6,530 |
| Core capital (leverage) ratio | 8.6670% | 5,133 |
| Tier 1 risk-based capital ratio | 13.2529% | 4,248 |
| Total risk-based capital ratio | 14.5652% | 4,156 |
| Memoranda: | ||
| Average total assets | $17,227,014,330 | 68 |
| Average earning assets | $16,402,077,670 | 64 |
| Average equity | $1,329,368,000 | 92 |
| Average total loans | $16,717,434,670 | 45 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9955% | 72 |
| Cost of funding earning assets | 3.3644% | 21 |
| Net interest margin | 4.6311% | 901 |
| Noninterest income to average assets | 0.0357% | 7,532 |
| Noninterest expense to average assets | 1.5960% | 7,657 |
| Loan and lease loss provision to assets | 2.2426% | 479 |
| Net operating income to assets | 0.4093% | 4,796 |
| Return on assets (ROA) | 0.4093% | 4,944 |
| Pretax return on assets | 0.6147% | 4,552 |
| Return on Equity (ROE) | 5.4578% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.4578% | 2,894 |
| Net charge-offs to loans | 2.6328% | 619 |
| Credit loss provision to net charge-offs | 88.4970% | 3,693 |
| Earnings coverage of net charge-offs (x) | 1.1275% | 4,093 |
| Efficiency ratio | 35.5874% | 7,795 |
| Assets per employee ($millions) | 51.0274% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5724% | 245 |
| Loan loss allowance to noncurrent loans | 67.6188% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 6.3948% | 900 |
| Noncurrent loans to loans | 6.7621% | 906 |
| Net loans and leases to total assets | 89.1103% | 93 |
| Net loans and leases to deposits | 253.7300% | 21 |
| Net loans and leases to core deposits | 317,091.1102% | 3 |
| Total domestic deposits to total assets | 35.1201% | 7,863 |
| Equity capital to assets | 7.5158% | 7,061 |
| Core capital (leverage) ratio | 7.5102% | 6,842 |
| Tier 1 risk-based capital ratio | 11.9421% | 5,260 |
| Total risk-based capital ratio | 13.2605% | 5,148 |
| Memoranda: | ||
| Average total assets | $17,922,504,500 | 62 |
| Average earning assets | $17,096,243,000 | 60 |
| Average equity | $1,344,065,000 | 88 |
| Average total loans | $17,250,789,000 | 44 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2995% | 64 |
| Cost of funding earning assets | 2.9193% | 290 |
| Net interest margin | 5.3803% | 218 |
| Noninterest income to average assets | 0.0377% | 7,562 |
| Noninterest expense to average assets | 1.8186% | 7,587 |
| Loan and lease loss provision to assets | 4.1281% | 309 |
| Net operating income to assets | -0.3916% | 6,069 |
| Return on assets (ROA) | -0.3916% | 6,059 |
| Pretax return on assets | -0.7341% | 6,222 |
| Return on Equity (ROE) | -5.3692% | 6,245 |
| Retained earnings to average equity (ytd only) | -5.3692% | 6,069 |
| Net charge-offs to loans | 2.7082% | 833 |
| Credit loss provision to net charge-offs | 158.2191% | 2,841 |
| Earnings coverage of net charge-offs (x) | 1.3008% | 4,825 |
| Efficiency ratio | 34.7136% | 7,907 |
| Assets per employee ($millions) | 49.2606% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4847% | 256 |
| Loan loss allowance to noncurrent loans | 70.6231% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 6.3819% | 869 |
| Noncurrent loans to loans | 6.3502% | 958 |
| Net loans and leases to total assets | 94.7065% | 9 |
| Net loans and leases to deposits | 264.7900% | 20 |
| Net loans and leases to core deposits | 270.2307% | 41 |
| Total domestic deposits to total assets | 35.7666% | 7,943 |
| Equity capital to assets | 7.4826% | 7,048 |
| Core capital (leverage) ratio | 7.4826% | 6,806 |
| Tier 1 risk-based capital ratio | 12.3122% | 4,671 |
| Total risk-based capital ratio | 13.6371% | 4,574 |
| Memoranda: | ||
| Average total assets | $19,284,738,800 | 62 |
| Average earning assets | $18,548,722,000 | 58 |
| Average equity | $1,406,478,000 | 84 |
| Average total loans | $18,578,890,000 | 45 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3038% | 64 |
| Cost of funding earning assets | 2.9074% | 443 |
| Net interest margin | 5.3964% | 215 |
| Noninterest income to average assets | 0.0417% | 7,680 |
| Noninterest expense to average assets | 1.5447% | 7,867 |
| Loan and lease loss provision to assets | 3.8786% | 316 |
| Net operating income to assets | -0.0765% | 5,854 |
| Return on assets (ROA) | -0.0765% | 5,892 |
| Pretax return on assets | -0.1782% | 5,948 |
| Return on Equity (ROE) | -1.0556% | 5,940 |
| Retained earnings to average equity (ytd only) | -1.0556% | 5,502 |
| Net charge-offs to loans | 2.7089% | 667 |
| Credit loss provision to net charge-offs | 149.6097% | 3,219 |
| Earnings coverage of net charge-offs (x) | 1.4274% | 4,711 |
| Efficiency ratio | 29.2846% | 8,013 |
| Assets per employee ($millions) | 50.5885% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8436% | 328 |
| Loan loss allowance to noncurrent loans | 76.9237% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 5.0006% | 1,174 |
| Noncurrent loans to loans | 4.9966% | 1,331 |
| Net loans and leases to total assets | 94.5392% | 18 |
| Net loans and leases to deposits | 270.3063% | 23 |
| Net loans and leases to core deposits | 275.7622% | 43 |
| Total domestic deposits to total assets | 34.9749% | 8,024 |
| Equity capital to assets | 7.5329% | 7,275 |
| Core capital (leverage) ratio | 7.5329% | 6,937 |
| Tier 1 risk-based capital ratio | 18.7460% | 1,807 |
| Total risk-based capital ratio | 20.0966% | 1,741 |
| Memoranda: | ||
| Average total assets | $19,647,838,500 | 65 |
| Average earning assets | $18,945,431,250 | 61 |
| Average equity | $1,424,515,250 | 86 |
| Average total loans | $18,803,279,250 | 48 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4015% | 64 |
| Cost of funding earning assets | 2.9084% | 596 |
| Net interest margin | 5.4931% | 182 |
| Noninterest income to average assets | 0.0396% | 7,788 |
| Noninterest expense to average assets | 1.2876% | 8,060 |
| Loan and lease loss provision to assets | 3.9324% | 325 |
| Net operating income to assets | 0.0987% | 5,568 |
| Return on assets (ROA) | 0.0987% | 5,662 |
| Pretax return on assets | 0.1214% | 5,623 |
| Return on Equity (ROE) | 1.3776% | 5,508 |
| Retained earnings to average equity (ytd only) | 1.3776% | 4,573 |
| Net charge-offs to loans | 2.5984% | 651 |
| Credit loss provision to net charge-offs | 159.4853% | 2,880 |
| Earnings coverage of net charge-offs (x) | 1.6441% | 4,311 |
| Efficiency ratio | 23.9645% | 8,130 |
| Assets per employee ($millions) | 49.1746% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5374% | 366 |
| Loan loss allowance to noncurrent loans | 97.7809% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 3.7112% | 1,655 |
| Noncurrent loans to loans | 3.6176% | 1,925 |
| Net loans and leases to total assets | 95.9916% | 9 |
| Net loans and leases to deposits | 273.7174% | 27 |
| Net loans and leases to core deposits | 279.1918% | 45 |
| Total domestic deposits to total assets | 35.0696% | 8,114 |
| Equity capital to assets | 7.5976% | 7,180 |
| Core capital (leverage) ratio | 7.5976% | 6,907 |
| Tier 1 risk-based capital ratio | 18.8800% | 1,801 |
| Total risk-based capital ratio | 20.2226% | 1,739 |
| Memoranda: | ||
| Average total assets | $20,008,457,670 | 68 |
| Average earning assets | $19,311,491,670 | 64 |
| Average equity | $1,433,166,330 | 88 |
| Average total loans | $18,986,461,330 | 50 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2884% | 72 |
| Cost of funding earning assets | 2.9469% | 687 |
| Net interest margin | 5.3415% | 220 |
| Noninterest income to average assets | 0.0480% | 7,845 |
| Noninterest expense to average assets | 1.2156% | 8,113 |
| Loan and lease loss provision to assets | 2.1958% | 536 |
| Net operating income to assets | 1.1634% | 1,762 |
| Return on assets (ROA) | 1.1634% | 1,881 |
| Pretax return on assets | 1.7985% | 976 |
| Return on Equity (ROE) | 16.7007% | 724 |
| Retained earnings to average equity (ytd only) | 16.7007% | 291 |
| Net charge-offs to loans | 2.5000% | 560 |
| Credit loss provision to net charge-offs | 94.6425% | 3,902 |
| Earnings coverage of net charge-offs (x) | 1.7216% | 3,871 |
| Efficiency ratio | 23.2042% | 8,179 |
| Assets per employee ($millions) | 67.8003% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6528% | 649 |
| Loan loss allowance to noncurrent loans | 86.7702% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 3.0275% | 1,862 |
| Noncurrent loans to loans | 3.0573% | 2,128 |
| Net loans and leases to total assets | 91.9756% | 63 |
| Net loans and leases to deposits | 250.5180% | 24 |
| Net loans and leases to core deposits | 254.9688% | 60 |
| Total domestic deposits to total assets | 36.7142% | 8,153 |
| Equity capital to assets | 7.3245% | 7,474 |
| Core capital (leverage) ratio | 7.3245% | 7,354 |
| Tier 1 risk-based capital ratio | 18.5318% | 1,922 |
| Total risk-based capital ratio | 19.8447% | 1,862 |
| Memoranda: | ||
| Average total assets | $20,669,512,500 | 69 |
| Average earning assets | $19,974,551,000 | 66 |
| Average equity | $1,439,894,000 | 90 |
| Average total loans | $19,182,136,500 | 51 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7558% | 83 |
| Cost of funding earning assets | 3.5427% | 465 |
| Net interest margin | 5.2132% | 332 |
| Noninterest income to average assets | 0.0544% | 7,873 |
| Noninterest expense to average assets | 1.2967% | 8,118 |
| Loan and lease loss provision to assets | 3.1918% | 274 |
| Net operating income to assets | 0.3518% | 5,346 |
| Return on assets (ROA) | 0.3518% | 5,156 |
| Pretax return on assets | 0.6171% | 4,635 |
| Return on Equity (ROE) | 4.9820% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.9820% | 2,039 |
| Net charge-offs to loans | 1.7631% | 624 |
| Credit loss provision to net charge-offs | 187.8394% | 2,635 |
| Earnings coverage of net charge-offs (x) | 2.2416% | 4,959 |
| Efficiency ratio | 25.2610% | 8,247 |
| Assets per employee ($millions) | 36.9916% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6106% | 607 |
| Loan loss allowance to noncurrent loans | 109.9094% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 2.3243% | 2,091 |
| Noncurrent loans to loans | 2.3752% | 2,317 |
| Net loans and leases to total assets | 88.8393% | 296 |
| Net loans and leases to deposits | 229.7431% | 33 |
| Net loans and leases to core deposits | 233.3928% | 85 |
| Total domestic deposits to total assets | 38.6690% | 8,196 |
| Equity capital to assets | 6.6282% | 7,894 |
| Core capital (leverage) ratio | 6.6282% | 7,887 |
| Tier 1 risk-based capital ratio | 11.4513% | 5,289 |
| Total risk-based capital ratio | 12.7366% | 5,142 |
| Memoranda: | ||
| Average total assets | $19,818,602,200 | 66 |
| Average earning assets | $19,203,313,800 | 65 |
| Average equity | $1,399,522,200 | 84 |
| Average total loans | $19,100,463,200 | 51 |