Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 3,208 |
| Cost of funding earning assets | 0.2719% | 4,363 |
| Net interest margin | 3.7359% | 2,571 |
| Noninterest income to average assets | 0.4492% | 3,563 |
| Noninterest expense to average assets | 4.9907% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -1.0880% | 5,913 |
| Return on assets (ROA) | -1.0880% | 5,915 |
| Pretax return on assets | -1.0880% | 5,908 |
| Return on Equity (ROE) | -7.8644% | 5,892 |
| Retained earnings to average equity (ytd only) | -7.8644% | 5,815 |
| Net charge-offs to loans | 1.0268% | 164 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -1.7483% | 3,868 |
| Efficiency ratio | 127.8775% | 61 |
| Assets per employee ($millions) | 2.6234% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,741 |
| Loan loss allowance to noncurrent loans | 41.8502% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 2.9891% | 385 |
| Noncurrent loans to loans | 3.6009% | 345 |
| Net loans and leases to total assets | 59.1690% | 3,980 |
| Net loans and leases to deposits | 68.7521% | 4,089 |
| Net loans and leases to core deposits | 74.4425% | 3,965 |
| Total domestic deposits to total assets | 86.0614% | 2,319 |
| Equity capital to assets | 13.6876% | 1,166 |
| Core capital (leverage) ratio | 13.6128% | 965 |
| Tier 1 risk-based capital ratio | 22.7280% | 1,041 |
| Total risk-based capital ratio | 23.9833% | 1,024 |
| Memoranda: | ||
| Average total assets | $32,352,500 | 5,747 |
| Average earning assets | $29,907,250 | 5,721 |
| Average equity | $4,475,750 | 5,620 |
| Average total loans | $19,607,250 | 5,585 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9765% | 3,322 |
| Cost of funding earning assets | 0.2699% | 4,437 |
| Net interest margin | 3.7066% | 2,672 |
| Noninterest income to average assets | 0.4289% | 3,669 |
| Noninterest expense to average assets | 4.3011% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.4228% | 5,905 |
| Return on assets (ROA) | -0.4228% | 5,912 |
| Pretax return on assets | -0.4228% | 5,908 |
| Return on Equity (ROE) | -3.0455% | 5,900 |
| Retained earnings to average equity (ytd only) | -3.0455% | 5,637 |
| Net charge-offs to loans | 1.5424% | 92 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -0.4510% | 3,574 |
| Efficiency ratio | 110.9005% | 140 |
| Assets per employee ($millions) | 2.8872% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 2,022 |
| Loan loss allowance to noncurrent loans | 97.5862% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.7318% | 1,023 |
| Noncurrent loans to loans | 1.4964% | 1,460 |
| Net loans and leases to total assets | 60.1310% | 3,868 |
| Net loans and leases to deposits | 70.2457% | 3,961 |
| Net loans and leases to core deposits | 77.5670% | 3,677 |
| Total domestic deposits to total assets | 85.6009% | 2,607 |
| Equity capital to assets | 14.1913% | 967 |
| Core capital (leverage) ratio | 14.0809% | 799 |
| Tier 1 risk-based capital ratio | 23.1631% | 996 |
| Total risk-based capital ratio | 24.4169% | 977 |
| Memoranda: | ||
| Average total assets | $32,643,000 | 5,809 |
| Average earning assets | $30,378,330 | 5,782 |
| Average equity | $4,531,330 | 5,668 |
| Average total loans | $19,839,000 | 5,637 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,224 |
| Cost of funding earning assets | 0.2726% | 4,470 |
| Net interest margin | 3.7261% | 2,566 |
| Noninterest income to average assets | 0.3868% | 3,930 |
| Noninterest expense to average assets | 4.1703% | 507 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3143% | 5,919 |
| Return on assets (ROA) | -0.3143% | 5,927 |
| Pretax return on assets | -0.3143% | 5,918 |
| Return on Equity (ROE) | -2.2890% | 5,914 |
| Retained earnings to average equity (ytd only) | -2.2890% | 5,410 |
| Net charge-offs to loans | 2.9100% | 37 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.1781% | 2,987 |
| Efficiency ratio | 108.1505% | 177 |
| Assets per employee ($millions) | 2.9496% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 2,137 |
| Loan loss allowance to noncurrent loans | 92.0635% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.7722% | 1,055 |
| Noncurrent loans to loans | 1.5917% | 1,460 |
| Net loans and leases to total assets | 60.0999% | 3,756 |
| Net loans and leases to deposits | 70.0104% | 3,858 |
| Net loans and leases to core deposits | 77.1147% | 3,580 |
| Total domestic deposits to total assets | 85.8442% | 2,741 |
| Equity capital to assets | 13.9956% | 984 |
| Core capital (leverage) ratio | 13.0500% | 1,141 |
| Tier 1 risk-based capital ratio | 21.1442% | 1,295 |
| Total risk-based capital ratio | 22.3954% | 1,269 |
| Memoranda: | ||
| Average total assets | $33,091,000 | 5,861 |
| Average earning assets | $30,809,500 | 5,833 |
| Average equity | $4,543,500 | 5,710 |
| Average total loans | $20,068,500 | 5,680 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7127% | 4,336 |
| Cost of funding earning assets | 0.2499% | 4,790 |
| Net interest margin | 3.4628% | 3,666 |
| Noninterest income to average assets | 0.4531% | 3,640 |
| Noninterest expense to average assets | 3.8511% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1437% | 5,944 |
| Return on assets (ROA) | -0.1437% | 5,960 |
| Pretax return on assets | -0.1437% | 5,944 |
| Return on Equity (ROE) | -1.1351% | 5,944 |
| Retained earnings to average equity (ytd only) | -1.1351% | 5,676 |
| Net charge-offs to loans | -0.0050% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8748% | 216 |
| Assets per employee ($millions) | 2.8113% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1428% | 649 |
| Loan loss allowance to noncurrent loans | 62.5538% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.6589% | 562 |
| Noncurrent loans to loans | 3.4256% | 416 |
| Net loans and leases to total assets | 59.0200% | 3,967 |
| Net loans and leases to deposits | 68.3241% | 4,103 |
| Net loans and leases to core deposits | 74.9210% | 3,855 |
| Total domestic deposits to total assets | 86.3825% | 2,443 |
| Equity capital to assets | 13.4752% | 1,138 |
| Core capital (leverage) ratio | 13.1856% | 1,078 |
| Tier 1 risk-based capital ratio | 22.6789% | 1,055 |
| Total risk-based capital ratio | 23.9427% | 1,040 |
| Memoranda: | ||
| Average total assets | $36,197,400 | 5,849 |
| Average earning assets | $34,018,400 | 5,810 |
| Average equity | $4,581,200 | 5,746 |
| Average total loans | $20,144,400 | 5,716 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6400% | 4,606 |
| Cost of funding earning assets | 0.2432% | 4,958 |
| Net interest margin | 3.3968% | 3,974 |
| Noninterest income to average assets | 0.4419% | 3,778 |
| Noninterest expense to average assets | 3.7088% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0797% | 5,989 |
| Return on assets (ROA) | -0.0797% | 6,013 |
| Pretax return on assets | -0.0797% | 6,006 |
| Return on Equity (ROE) | -0.6390% | 6,005 |
| Retained earnings to average equity (ytd only) | -0.6390% | 5,706 |
| Net charge-offs to loans | 0.0133% | 3,710 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -10.9850% | 4,142 |
| Efficiency ratio | 102.1956% | 255 |
| Assets per employee ($millions) | 2.7749% | 5,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0909% | 787 |
| Loan loss allowance to noncurrent loans | 69.5024% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.4715% | 706 |
| Noncurrent loans to loans | 3.0084% | 586 |
| Net loans and leases to total assets | 60.8907% | 3,750 |
| Net loans and leases to deposits | 70.7813% | 3,905 |
| Net loans and leases to core deposits | 77.7693% | 3,633 |
| Total domestic deposits to total assets | 86.0266% | 2,510 |
| Equity capital to assets | 13.8112% | 1,098 |
| Core capital (leverage) ratio | 13.1684% | 1,149 |
| Tier 1 risk-based capital ratio | 22.0217% | 1,194 |
| Total risk-based capital ratio | 23.2841% | 1,170 |
| Memoranda: | ||
| Average total assets | $36,812,750 | 5,910 |
| Average earning assets | $34,541,000 | 5,880 |
| Average equity | $4,590,000 | 5,821 |
| Average total loans | $20,093,750 | 5,789 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4675% | 5,071 |
| Cost of funding earning assets | 0.2349% | 5,097 |
| Net interest margin | 3.2326% | 4,555 |
| Noninterest income to average assets | 0.3949% | 4,112 |
| Noninterest expense to average assets | 3.6752% | 1,020 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.2369% | 6,119 |
| Return on assets (ROA) | -0.2369% | 6,136 |
| Pretax return on assets | -0.2369% | 6,126 |
| Return on Equity (ROE) | -1.9621% | 6,126 |
| Retained earnings to average equity (ytd only) | -1.9621% | 5,822 |
| Net charge-offs to loans | 0.0302% | 3,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -15.0000% | 3,855 |
| Efficiency ratio | 106.8913% | 210 |
| Assets per employee ($millions) | 2.9149% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1206% | 826 |
| Loan loss allowance to noncurrent loans | 74.1438% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.2413% | 918 |
| Noncurrent loans to loans | 2.8601% | 713 |
| Net loans and leases to total assets | 57.1371% | 4,204 |
| Net loans and leases to deposits | 65.8084% | 4,351 |
| Net loans and leases to core deposits | 71.8817% | 4,150 |
| Total domestic deposits to total assets | 86.8235% | 2,255 |
| Equity capital to assets | 13.0278% | 1,391 |
| Core capital (leverage) ratio | 12.2900% | 1,492 |
| Tier 1 risk-based capital ratio | 23.2481% | 1,046 |
| Total risk-based capital ratio | 24.5111% | 1,029 |
| Memoranda: | ||
| Average total assets | $37,984,000 | 5,947 |
| Average earning assets | $35,760,670 | 5,913 |
| Average equity | $4,587,000 | 5,883 |
| Average total loans | $19,888,670 | 5,854 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3526% | 5,321 |
| Cost of funding earning assets | 0.2249% | 5,271 |
| Net interest margin | 3.1277% | 4,863 |
| Noninterest income to average assets | 0.3647% | 4,294 |
| Noninterest expense to average assets | 3.3936% | 1,502 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0709% | 6,073 |
| Return on assets (ROA) | -0.0709% | 6,108 |
| Pretax return on assets | -0.0709% | 6,097 |
| Return on Equity (ROE) | -0.6092% | 6,103 |
| Retained earnings to average equity (ytd only) | -0.6092% | 5,488 |
| Net charge-offs to loans | -0.0408% | 5,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.1341% | 313 |
| Assets per employee ($millions) | 3.2196% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2194% | 785 |
| Loan loss allowance to noncurrent loans | 62.4286% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 2.5695% | 819 |
| Noncurrent loans to loans | 3.5551% | 532 |
| Net loans and leases to total assets | 54.3624% | 4,401 |
| Net loans and leases to deposits | 62.6134% | 4,516 |
| Net loans and leases to core deposits | 68.3142% | 4,303 |
| Total domestic deposits to total assets | 86.8223% | 2,472 |
| Equity capital to assets | 12.9970% | 1,407 |
| Core capital (leverage) ratio | 12.1693% | 1,536 |
| Tier 1 risk-based capital ratio | 22.1333% | 1,217 |
| Total risk-based capital ratio | 23.3918% | 1,201 |
| Memoranda: | ||
| Average total assets | $39,486,500 | 5,968 |
| Average earning assets | $37,344,000 | 5,936 |
| Average equity | $4,596,000 | 5,927 |
| Average total loans | $19,623,500 | 5,912 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2372% | 5,785 |
| Cost of funding earning assets | 0.2329% | 5,496 |
| Net interest margin | 3.0043% | 5,442 |
| Noninterest income to average assets | 0.4680% | 3,726 |
| Noninterest expense to average assets | 3.3298% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0634% | 6,132 |
| Return on assets (ROA) | -0.0634% | 6,140 |
| Pretax return on assets | -0.0634% | 6,125 |
| Return on Equity (ROE) | -0.5683% | 6,140 |
| Retained earnings to average equity (ytd only) | -0.5683% | 5,860 |
| Net charge-offs to loans | 0.6048% | 657 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.2241% | 4,738 |
| Efficiency ratio | 101.9403% | 330 |
| Assets per employee ($millions) | 3.9597% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2243% | 795 |
| Loan loss allowance to noncurrent loans | 60.3329% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 2.1443% | 1,144 |
| Noncurrent loans to loans | 3.6867% | 535 |
| Net loans and leases to total assets | 43.9011% | 5,473 |
| Net loans and leases to deposits | 49.1252% | 5,623 |
| Net loans and leases to core deposits | 52.5937% | 5,587 |
| Total domestic deposits to total assets | 89.3657% | 1,039 |
| Equity capital to assets | 10.5356% | 3,434 |
| Core capital (leverage) ratio | 11.1321% | 2,280 |
| Tier 1 risk-based capital ratio | 23.1988% | 1,057 |
| Total risk-based capital ratio | 24.4601% | 1,029 |
| Memoranda: | ||
| Average total assets | $41,024,000 | 6,009 |
| Average earning assets | $38,212,200 | 5,977 |
| Average equity | $4,575,400 | 5,969 |
| Average total loans | $19,180,800 | 5,994 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2483% | 5,844 |
| Cost of funding earning assets | 0.2419% | 5,486 |
| Net interest margin | 3.0063% | 5,492 |
| Noninterest income to average assets | 0.3598% | 4,556 |
| Noninterest expense to average assets | 3.3142% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.1651% | 6,256 |
| Return on assets (ROA) | -0.1651% | 6,262 |
| Pretax return on assets | -0.1651% | 6,244 |
| Return on Equity (ROE) | -1.4582% | 6,263 |
| Retained earnings to average equity (ytd only) | -1.4582% | 6,027 |
| Net charge-offs to loans | 1.0129% | 296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.3449% | 4,491 |
| Efficiency ratio | 105.2411% | 279 |
| Assets per employee ($millions) | 3.4874% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1765% | 977 |
| Loan loss allowance to noncurrent loans | 108.8472% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 2.0385% | 1,391 |
| Noncurrent loans to loans | 1.9996% | 1,586 |
| Net loans and leases to total assets | 47.5691% | 5,241 |
| Net loans and leases to deposits | 54.1082% | 5,381 |
| Net loans and leases to core deposits | 59.7179% | 5,212 |
| Total domestic deposits to total assets | 87.9148% | 1,805 |
| Equity capital to assets | 11.9079% | 2,141 |
| Core capital (leverage) ratio | 11.3418% | 2,181 |
| Tier 1 risk-based capital ratio | 23.4118% | 1,061 |
| Total risk-based capital ratio | 24.6701% | 1,047 |
| Memoranda: | ||
| Average total assets | $40,390,750 | 6,101 |
| Average earning assets | $37,475,500 | 6,074 |
| Average equity | $4,572,000 | 6,027 |
| Average total loans | $19,086,750 | 6,061 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1537% | 6,000 |
| Cost of funding earning assets | 0.2414% | 5,572 |
| Net interest margin | 2.9123% | 5,717 |
| Noninterest income to average assets | 0.2435% | 5,451 |
| Noninterest expense to average assets | 3.2727% | 1,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3263% | 6,384 |
| Return on assets (ROA) | -0.3263% | 6,390 |
| Pretax return on assets | -0.3263% | 6,373 |
| Return on Equity (ROE) | -2.9300% | 6,378 |
| Retained earnings to average equity (ytd only) | -2.9300% | 6,092 |
| Net charge-offs to loans | 0.0208% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -33.5000% | 4,350 |
| Efficiency ratio | 111.0744% | 215 |
| Assets per employee ($millions) | 3.6565% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8142% | 464 |
| Loan loss allowance to noncurrent loans | 56.0204% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 2.6050% | 1,045 |
| Noncurrent loans to loans | 5.0236% | 396 |
| Net loans and leases to total assets | 43.2084% | 5,587 |
| Net loans and leases to deposits | 48.3007% | 5,759 |
| Net loans and leases to core deposits | 51.8232% | 5,671 |
| Total domestic deposits to total assets | 89.4571% | 1,114 |
| Equity capital to assets | 10.3947% | 3,569 |
| Core capital (leverage) ratio | 10.7981% | 2,624 |
| Tier 1 risk-based capital ratio | 23.4079% | 1,058 |
| Total risk-based capital ratio | 24.6795% | 1,042 |
| Memoranda: | ||
| Average total assets | $41,067,330 | 6,140 |
| Average earning assets | $38,113,670 | 6,105 |
| Average equity | $4,573,330 | 6,073 |
| Average total loans | $19,231,000 | 6,106 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2084% | 5,990 |
| Cost of funding earning assets | 0.2536% | 5,545 |
| Net interest margin | 2.9548% | 5,638 |
| Noninterest income to average assets | 0.1513% | 6,070 |
| Noninterest expense to average assets | 3.2878% | 1,972 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4337% | 6,447 |
| Return on assets (ROA) | -0.4337% | 6,450 |
| Pretax return on assets | -0.4337% | 6,439 |
| Return on Equity (ROE) | -3.7559% | 6,436 |
| Retained earnings to average equity (ytd only) | -3.7559% | 6,036 |
| Net charge-offs to loans | -0.0419% | 5,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1943% | 219 |
| Assets per employee ($millions) | 3.1913% | 5,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8548% | 506 |
| Loan loss allowance to noncurrent loans | 47.7960% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 3.4469% | 760 |
| Noncurrent loans to loans | 5.9728% | 304 |
| Net loans and leases to total assets | 49.1396% | 4,988 |
| Net loans and leases to deposits | 55.8679% | 5,125 |
| Net loans and leases to core deposits | 60.6739% | 4,980 |
| Total domestic deposits to total assets | 87.9567% | 2,255 |
| Equity capital to assets | 11.9154% | 1,930 |
| Core capital (leverage) ratio | 12.1632% | 1,563 |
| Tier 1 risk-based capital ratio | 23.2233% | 1,110 |
| Total risk-based capital ratio | 24.4915% | 1,091 |
| Memoranda: | ||
| Average total assets | $39,662,000 | 6,246 |
| Average earning assets | $36,280,000 | 6,225 |
| Average equity | $4,579,500 | 6,102 |
| Average total loans | $19,092,500 | 6,175 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3725% | 5,894 |
| Cost of funding earning assets | 0.2719% | 5,815 |
| Net interest margin | 3.1006% | 5,313 |
| Noninterest income to average assets | 0.1890% | 5,953 |
| Noninterest expense to average assets | 3.3368% | 2,034 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.2738% | 6,402 |
| Return on assets (ROA) | -0.2738% | 6,423 |
| Pretax return on assets | -0.2738% | 6,399 |
| Return on Equity (ROE) | -2.3771% | 6,396 |
| Retained earnings to average equity (ytd only) | -2.3771% | 6,211 |
| Net charge-offs to loans | 0.6104% | 1,074 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.9496% | 5,258 |
| Efficiency ratio | 108.9399% | 287 |
| Assets per employee ($millions) | 3.7299% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9287% | 513 |
| Loan loss allowance to noncurrent loans | 46.1861% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 3.7047% | 759 |
| Noncurrent loans to loans | 6.3410% | 299 |
| Net loans and leases to total assets | 44.5124% | 5,629 |
| Net loans and leases to deposits | 50.2048% | 5,753 |
| Net loans and leases to core deposits | 54.1784% | 5,659 |
| Total domestic deposits to total assets | 88.6617% | 1,821 |
| Equity capital to assets | 11.2018% | 2,425 |
| Core capital (leverage) ratio | 11.9759% | 1,623 |
| Tier 1 risk-based capital ratio | 25.0392% | 846 |
| Total risk-based capital ratio | 26.3084% | 836 |
| Memoranda: | ||
| Average total assets | $41,267,200 | 6,250 |
| Average earning assets | $38,251,000 | 6,215 |
| Average equity | $4,753,600 | 6,127 |
| Average total loans | $19,495,600 | 6,229 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4575% | 5,774 |
| Cost of funding earning assets | 0.2785% | 5,897 |
| Net interest margin | 3.1790% | 5,060 |
| Noninterest income to average assets | 0.4420% | 4,208 |
| Noninterest expense to average assets | 3.3069% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0806% | 6,171 |
| Return on assets (ROA) | 0.0806% | 6,225 |
| Pretax return on assets | 0.0806% | 6,226 |
| Return on Equity (ROE) | 0.6954% | 6,229 |
| Retained earnings to average equity (ytd only) | 0.6954% | 5,695 |
| Net charge-offs to loans | 0.8475% | 692 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.2000% | 4,798 |
| Efficiency ratio | 97.6190% | 541 |
| Assets per employee ($millions) | 3.4125% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7844% | 679 |
| Loan loss allowance to noncurrent loans | 51.9542% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 3.9507% | 797 |
| Noncurrent loans to loans | 5.3594% | 525 |
| Net loans and leases to total assets | 50.6900% | 5,051 |
| Net loans and leases to deposits | 58.1079% | 5,179 |
| Net loans and leases to core deposits | 63.2622% | 4,983 |
| Total domestic deposits to total assets | 87.2343% | 2,547 |
| Equity capital to assets | 12.6672% | 1,495 |
| Core capital (leverage) ratio | 11.2831% | 2,213 |
| Tier 1 risk-based capital ratio | 24.3199% | 954 |
| Total risk-based capital ratio | 25.5884% | 929 |
| Memoranda: | ||
| Average total assets | $41,326,750 | 6,321 |
| Average earning assets | $38,292,500 | 6,292 |
| Average equity | $4,793,000 | 6,193 |
| Average total loans | $19,666,000 | 6,287 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3765% | 5,954 |
| Cost of funding earning assets | 0.2734% | 6,029 |
| Net interest margin | 3.1032% | 5,266 |
| Noninterest income to average assets | 0.3381% | 4,969 |
| Noninterest expense to average assets | 3.1510% | 2,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0657% | 6,210 |
| Return on assets (ROA) | 0.0657% | 6,289 |
| Pretax return on assets | 0.0657% | 6,283 |
| Return on Equity (ROE) | 0.5826% | 6,292 |
| Retained earnings to average equity (ytd only) | 0.5826% | 5,667 |
| Net charge-offs to loans | 0.3757% | 1,705 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.3784% | 4,413 |
| Efficiency ratio | 97.9562% | 568 |
| Assets per employee ($millions) | 4.1426% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2430% | 465 |
| Loan loss allowance to noncurrent loans | 53.4628% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 3.9786% | 873 |
| Noncurrent loans to loans | 6.0659% | 458 |
| Net loans and leases to total assets | 41.4448% | 5,938 |
| Net loans and leases to deposits | 46.3108% | 6,084 |
| Net loans and leases to core deposits | 49.1925% | 6,068 |
| Total domestic deposits to total assets | 89.4929% | 1,330 |
| Equity capital to assets | 10.4106% | 3,413 |
| Core capital (leverage) ratio | 9.5428% | 4,177 |
| Tier 1 risk-based capital ratio | 26.5274% | 726 |
| Total risk-based capital ratio | 27.8028% | 711 |
| Memoranda: | ||
| Average total assets | $42,589,670 | 6,327 |
| Average earning assets | $39,508,000 | 6,298 |
| Average equity | $4,805,670 | 6,238 |
| Average total loans | $19,697,000 | 6,319 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6334% | 5,351 |
| Cost of funding earning assets | 0.3072% | 5,916 |
| Net interest margin | 3.3262% | 4,419 |
| Noninterest income to average assets | 0.3504% | 4,877 |
| Noninterest expense to average assets | 3.3187% | 2,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0876% | 6,170 |
| Return on assets (ROA) | 0.0876% | 6,258 |
| Pretax return on assets | 0.0876% | 6,274 |
| Return on Equity (ROE) | 0.7443% | 6,270 |
| Retained earnings to average equity (ytd only) | 0.7443% | 5,533 |
| Net charge-offs to loans | 1.6173% | 318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.1125% | 3,783 |
| Efficiency ratio | 97.4286% | 663 |
| Assets per employee ($millions) | 4.0509% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9129% | 722 |
| Loan loss allowance to noncurrent loans | 52.8201% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 3.9206% | 1,036 |
| Noncurrent loans to loans | 5.5147% | 650 |
| Net loans and leases to total assets | 44.1315% | 5,650 |
| Net loans and leases to deposits | 49.6152% | 5,813 |
| Net loans and leases to core deposits | 53.1601% | 5,736 |
| Total domestic deposits to total assets | 88.9475% | 1,712 |
| Equity capital to assets | 10.8595% | 3,128 |
| Core capital (leverage) ratio | 11.1041% | 2,174 |
| Tier 1 risk-based capital ratio | 22.8640% | 1,178 |
| Total risk-based capital ratio | 24.1326% | 1,153 |
| Memoranda: | ||
| Average total assets | $41,100,000 | 6,434 |
| Average earning assets | $37,761,000 | 6,409 |
| Average equity | $4,836,500 | 6,293 |
| Average total loans | $19,786,000 | 6,369 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9009% | 5,568 |
| Cost of funding earning assets | 0.6027% | 4,323 |
| Net interest margin | 3.2982% | 5,253 |
| Noninterest income to average assets | 0.4070% | 4,550 |
| Noninterest expense to average assets | 3.5152% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.1297% | 6,314 |
| Return on assets (ROA) | -0.1272% | 6,404 |
| Pretax return on assets | -0.1272% | 6,381 |
| Return on Equity (ROE) | -1.0265% | 6,389 |
| Retained earnings to average equity (ytd only) | -1.0265% | 6,019 |
| Net charge-offs to loans | 0.4179% | 2,571 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.6296% | 5,699 |
| Efficiency ratio | 103.8317% | 447 |
| Assets per employee ($millions) | 3.4218% | 5,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4684% | 435 |
| Loan loss allowance to noncurrent loans | 55.6478% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 4.8725% | 811 |
| Noncurrent loans to loans | 6.2329% | 558 |
| Net loans and leases to total assets | 49.5404% | 5,226 |
| Net loans and leases to deposits | 57.0280% | 5,333 |
| Net loans and leases to core deposits | 62.0409% | 5,151 |
| Total domestic deposits to total assets | 86.8704% | 2,901 |
| Equity capital to assets | 12.8427% | 1,524 |
| Core capital (leverage) ratio | 12.4934% | 1,319 |
| Tier 1 risk-based capital ratio | 24.1507% | 952 |
| Total risk-based capital ratio | 25.4272% | 933 |
| Memoranda: | ||
| Average total assets | $39,314,600 | 6,523 |
| Average earning assets | $35,504,200 | 6,515 |
| Average equity | $4,871,000 | 6,332 |
| Average total loans | $19,381,000 | 6,451 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 5,700 |
| Cost of funding earning assets | 0.6713% | 4,007 |
| Net interest margin | 3.2636% | 5,500 |
| Noninterest income to average assets | 0.4027% | 4,615 |
| Noninterest expense to average assets | 3.5570% | 1,638 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2013% | 6,502 |
| Return on assets (ROA) | -0.1980% | 6,570 |
| Pretax return on assets | -0.1980% | 6,542 |
| Return on Equity (ROE) | -1.6118% | 6,539 |
| Retained earnings to average equity (ytd only) | -1.6118% | 6,348 |
| Net charge-offs to loans | 0.7011% | 1,575 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.5882% | 5,517 |
| Efficiency ratio | 106.0000% | 383 |
| Assets per employee ($millions) | 3.2188% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4045% | 507 |
| Loan loss allowance to noncurrent loans | 49.1294% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 5.1573% | 850 |
| Noncurrent loans to loans | 6.9297% | 528 |
| Net loans and leases to total assets | 47.6738% | 5,591 |
| Net loans and leases to deposits | 54.7677% | 5,741 |
| Net loans and leases to core deposits | 59.9375% | 5,566 |
| Total domestic deposits to total assets | 87.0472% | 2,639 |
| Equity capital to assets | 12.5566% | 1,856 |
| Core capital (leverage) ratio | 12.1526% | 1,559 |
| Tier 1 risk-based capital ratio | 24.5723% | 944 |
| Total risk-based capital ratio | 25.8476% | 935 |
| Memoranda: | ||
| Average total assets | $39,733,250 | 6,592 |
| Average earning assets | $35,951,500 | 6,584 |
| Average equity | $4,880,250 | 6,399 |
| Average total loans | $19,397,000 | 6,537 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9478% | 5,785 |
| Cost of funding earning assets | 0.7406% | 3,681 |
| Net interest margin | 3.2073% | 5,712 |
| Noninterest income to average assets | 0.3790% | 4,803 |
| Noninterest expense to average assets | 3.4910% | 1,806 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1746% | 6,515 |
| Return on assets (ROA) | -0.1746% | 6,598 |
| Pretax return on assets | -0.1746% | 6,574 |
| Return on Equity (ROE) | -1.4314% | 6,577 |
| Retained earnings to average equity (ytd only) | -1.4314% | 6,277 |
| Net charge-offs to loans | 0.2563% | 3,042 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -1.4000% | 5,345 |
| Efficiency ratio | 105.2632% | 410 |
| Assets per employee ($millions) | 2.8943% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6842% | 435 |
| Loan loss allowance to noncurrent loans | 68.6850% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 4.8545% | 998 |
| Noncurrent loans to loans | 5.3638% | 876 |
| Net loans and leases to total assets | 54.6486% | 4,682 |
| Net loans and leases to deposits | 63.9229% | 4,773 |
| Net loans and leases to core deposits | 70.8077% | 4,436 |
| Total domestic deposits to total assets | 85.4913% | 3,614 |
| Equity capital to assets | 14.0278% | 1,086 |
| Core capital (leverage) ratio | 12.6332% | 1,302 |
| Tier 1 risk-based capital ratio | 23.2893% | 1,099 |
| Total risk-based capital ratio | 24.5699% | 1,073 |
| Memoranda: | ||
| Average total assets | $40,102,670 | 6,629 |
| Average earning assets | $36,729,000 | 6,599 |
| Average equity | $4,890,330 | 6,419 |
| Average total loans | $19,508,330 | 6,584 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 6,197 |
| Cost of funding earning assets | 0.7545% | 3,829 |
| Net interest margin | 3.0688% | 6,129 |
| Noninterest income to average assets | 0.3459% | 5,096 |
| Noninterest expense to average assets | 3.3747% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2150% | 6,653 |
| Return on assets (ROA) | -0.2150% | 6,698 |
| Pretax return on assets | -0.2150% | 6,676 |
| Return on Equity (ROE) | -1.8777% | 6,677 |
| Retained earnings to average equity (ytd only) | -1.8777% | 6,265 |
| Net charge-offs to loans | -0.2267% | 7,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8047% | 392 |
| Assets per employee ($millions) | 3.5933% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7091% | 461 |
| Loan loss allowance to noncurrent loans | 71.0158% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 4.3060% | 1,261 |
| Noncurrent loans to loans | 5.2229% | 1,048 |
| Net loans and leases to total assets | 50.0481% | 5,301 |
| Net loans and leases to deposits | 57.4407% | 5,443 |
| Net loans and leases to core deposits | 63.7019% | 5,149 |
| Total domestic deposits to total assets | 87.1300% | 2,880 |
| Equity capital to assets | 12.3564% | 1,815 |
| Core capital (leverage) ratio | 11.6323% | 1,812 |
| Tier 1 risk-based capital ratio | 22.0387% | 1,278 |
| Total risk-based capital ratio | 23.3169% | 1,247 |
| Memoranda: | ||
| Average total assets | $42,788,500 | 6,572 |
| Average earning assets | $39,233,000 | 6,552 |
| Average equity | $4,899,500 | 6,453 |
| Average total loans | $19,409,500 | 6,640 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 6,415 |
| Cost of funding earning assets | 1.1491% | 2,358 |
| Net interest margin | 2.8728% | 6,734 |
| Noninterest income to average assets | 0.4257% | 4,400 |
| Noninterest expense to average assets | 3.6398% | 1,664 |
| Loan and lease loss provision to assets | 0.4185% | 2,498 |
| Net operating income to assets | -1.0618% | 6,768 |
| Return on assets (ROA) | -1.0618% | 6,793 |
| Pretax return on assets | -1.0618% | 6,761 |
| Return on Equity (ROE) | -8.6726% | 6,702 |
| Retained earnings to average equity (ytd only) | -8.6726% | 6,655 |
| Net charge-offs to loans | 1.7920% | 826 |
| Credit loss provision to net charge-offs | 52.5526% | 5,361 |
| Earnings coverage of net charge-offs (x) | -0.8078% | 6,157 |
| Efficiency ratio | 121.4685% | 298 |
| Assets per employee ($millions) | 3.8376% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1094% | 352 |
| Loan loss allowance to noncurrent loans | 76.0121% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 3.7176% | 1,573 |
| Noncurrent loans to loans | 5.4063% | 990 |
| Net loans and leases to total assets | 38.0535% | 6,647 |
| Net loans and leases to deposits | 42.8303% | 6,772 |
| Net loans and leases to core deposits | 46.6908% | 6,706 |
| Total domestic deposits to total assets | 88.8471% | 1,640 |
| Equity capital to assets | 10.6729% | 3,342 |
| Core capital (leverage) ratio | 11.3109% | 2,028 |
| Tier 1 risk-based capital ratio | 24.1447% | 954 |
| Total risk-based capital ratio | 25.4277% | 940 |
| Memoranda: | ||
| Average total assets | $41,815,200 | 6,608 |
| Average earning assets | $37,420,000 | 6,625 |
| Average equity | $5,119,600 | 6,403 |
| Average total loans | $18,583,000 | 6,728 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2574% | 6,068 |
| Cost of funding earning assets | 1.2687% | 1,874 |
| Net interest margin | 2.9887% | 6,608 |
| Noninterest income to average assets | 0.5038% | 3,842 |
| Noninterest expense to average assets | 3.7425% | 1,407 |
| Loan and lease loss provision to assets | 0.3435% | 2,823 |
| Net operating income to assets | -0.9389% | 6,858 |
| Return on assets (ROA) | -0.9389% | 6,895 |
| Pretax return on assets | -0.9389% | 6,850 |
| Return on Equity (ROE) | -7.4005% | 6,783 |
| Retained earnings to average equity (ytd only) | -7.4005% | 6,725 |
| Net charge-offs to loans | 0.9503% | 1,697 |
| Credit loss provision to net charge-offs | 78.9474% | 4,171 |
| Earnings coverage of net charge-offs (x) | -1.3684% | 5,975 |
| Efficiency ratio | 118.9189% | 318 |
| Assets per employee ($millions) | 3.2159% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6754% | 230 |
| Loan loss allowance to noncurrent loans | 76.3134% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 5.2240% | 1,095 |
| Noncurrent loans to loans | 6.1266% | 897 |
| Net loans and leases to total assets | 45.2774% | 6,213 |
| Net loans and leases to deposits | 52.5393% | 6,326 |
| Net loans and leases to core deposits | 58.4890% | 6,091 |
| Total domestic deposits to total assets | 86.1781% | 3,106 |
| Equity capital to assets | 13.2155% | 1,508 |
| Core capital (leverage) ratio | 12.3739% | 1,498 |
| Tier 1 risk-based capital ratio | 24.3203% | 978 |
| Total risk-based capital ratio | 25.6060% | 959 |
| Memoranda: | ||
| Average total assets | $40,756,250 | 6,704 |
| Average earning assets | $36,046,500 | 6,736 |
| Average equity | $5,170,750 | 6,449 |
| Average total loans | $18,660,000 | 6,790 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 6,346 |
| Cost of funding earning assets | 1.3512% | 1,644 |
| Net interest margin | 2.8177% | 6,899 |
| Noninterest income to average assets | 0.4629% | 4,161 |
| Noninterest expense to average assets | 3.7610% | 1,421 |
| Loan and lease loss provision to assets | 0.4870% | 2,023 |
| Net operating income to assets | -1.3115% | 7,037 |
| Return on assets (ROA) | -1.3115% | 7,046 |
| Pretax return on assets | -1.3115% | 6,997 |
| Return on Equity (ROE) | -10.4730% | 6,956 |
| Retained earnings to average equity (ytd only) | -10.4730% | 6,900 |
| Net charge-offs to loans | 1.1295% | 1,384 |
| Credit loss provision to net charge-offs | 95.2830% | 3,296 |
| Earnings coverage of net charge-offs (x) | -1.6132% | 5,690 |
| Efficiency ratio | 128.0788% | 271 |
| Assets per employee ($millions) | 2.8806% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5965% | 254 |
| Loan loss allowance to noncurrent loans | 67.6403% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 5.0212% | 1,218 |
| Noncurrent loans to loans | 6.7955% | 785 |
| Net loans and leases to total assets | 45.2900% | 6,325 |
| Net loans and leases to deposits | 52.2828% | 6,445 |
| Net loans and leases to core deposits | 57.8464% | 6,282 |
| Total domestic deposits to total assets | 86.6250% | 2,972 |
| Equity capital to assets | 12.7154% | 1,664 |
| Core capital (leverage) ratio | 12.1737% | 1,516 |
| Tier 1 risk-based capital ratio | 24.6626% | 934 |
| Total risk-based capital ratio | 25.9526% | 910 |
| Memoranda: | ||
| Average total assets | $41,478,000 | 6,730 |
| Average earning assets | $36,412,670 | 6,783 |
| Average equity | $5,194,330 | 6,469 |
| Average total loans | $18,770,000 | 6,847 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3438% | 5,879 |
| Cost of funding earning assets | 1.5109% | 1,120 |
| Net interest margin | 2.8329% | 6,864 |
| Noninterest income to average assets | 0.4566% | 4,219 |
| Noninterest expense to average assets | 3.7096% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.8275% | 6,972 |
| Return on assets (ROA) | -0.8275% | 6,978 |
| Pretax return on assets | -0.8275% | 6,934 |
| Return on Equity (ROE) | -6.6571% | 6,900 |
| Retained earnings to average equity (ytd only) | -6.6571% | 6,646 |
| Net charge-offs to loans | 2.3678% | 503 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.7909% | 4,865 |
| Efficiency ratio | 128.7129% | 268 |
| Assets per employee ($millions) | 2.8568% | 6,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1723% | 378 |
| Loan loss allowance to noncurrent loans | 81.8374% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 4.2905% | 1,524 |
| Noncurrent loans to loans | 5.0983% | 1,316 |
| Net loans and leases to total assets | 44.5056% | 6,432 |
| Net loans and leases to deposits | 51.4124% | 6,520 |
| Net loans and leases to core deposits | 56.4846% | 6,369 |
| Total domestic deposits to total assets | 86.5658% | 3,200 |
| Equity capital to assets | 12.9341% | 1,411 |
| Core capital (leverage) ratio | 12.4481% | 1,348 |
| Tier 1 risk-based capital ratio | 25.1930% | 859 |
| Total risk-based capital ratio | 26.4732% | 836 |
| Memoranda: | ||
| Average total assets | $42,052,500 | 6,757 |
| Average earning assets | $36,005,000 | 6,843 |
| Average equity | $5,227,500 | 6,474 |
| Average total loans | $18,582,500 | 6,904 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 4,012 |
| Cost of funding earning assets | 1.7150% | 1,529 |
| Net interest margin | 3.4036% | 5,622 |
| Noninterest income to average assets | 0.5321% | 3,938 |
| Noninterest expense to average assets | 4.0376% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.2446% | 6,803 |
| Return on assets (ROA) | -1.2446% | 6,827 |
| Pretax return on assets | -0.5686% | 6,374 |
| Return on Equity (ROE) | -9.3862% | 6,702 |
| Retained earnings to average equity (ytd only) | -9.3862% | 6,629 |
| Net charge-offs to loans | 3.0507% | 533 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -0.3971% | 6,405 |
| Efficiency ratio | 116.3924% | 447 |
| Assets per employee ($millions) | 3.1507% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7606% | 229 |
| Loan loss allowance to noncurrent loans | 80.9698% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 4.2122% | 1,589 |
| Noncurrent loans to loans | 5.8795% | 1,073 |
| Net loans and leases to total assets | 40.1383% | 6,954 |
| Net loans and leases to deposits | 45.9596% | 7,047 |
| Net loans and leases to core deposits | 49.9887% | 6,973 |
| Total domestic deposits to total assets | 87.3339% | 2,646 |
| Equity capital to assets | 11.9746% | 1,935 |
| Core capital (leverage) ratio | 12.0512% | 1,509 |
| Tier 1 risk-based capital ratio | 24.6208% | 882 |
| Total risk-based capital ratio | 25.9075% | 859 |
| Memoranda: | ||
| Average total assets | $43,788,000 | 6,743 |
| Average earning assets | $37,783,800 | 6,806 |
| Average equity | $5,806,400 | 6,428 |
| Average total loans | $20,552,600 | 6,896 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2755% | 3,470 |
| Cost of funding earning assets | 1.7397% | 1,675 |
| Net interest margin | 3.5359% | 5,163 |
| Noninterest income to average assets | 0.5674% | 3,673 |
| Noninterest expense to average assets | 4.1517% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.5277% | 6,613 |
| Return on assets (ROA) | -0.5277% | 6,664 |
| Pretax return on assets | -0.5277% | 6,574 |
| Return on Equity (ROE) | -3.8848% | 6,563 |
| Retained earnings to average equity (ytd only) | -3.8848% | 6,448 |
| Net charge-offs to loans | 3.7953% | 336 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -0.2888% | 6,236 |
| Efficiency ratio | 114.5623% | 457 |
| Assets per employee ($millions) | 2.9700% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8610% | 194 |
| Loan loss allowance to noncurrent loans | 76.0200% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 4.6537% | 1,431 |
| Noncurrent loans to loans | 6.3944% | 936 |
| Net loans and leases to total assets | 42.9750% | 6,908 |
| Net loans and leases to deposits | 50.4147% | 6,989 |
| Net loans and leases to core deposits | 55.2536% | 6,900 |
| Total domestic deposits to total assets | 85.2429% | 3,496 |
| Equity capital to assets | 14.0909% | 1,141 |
| Core capital (leverage) ratio | 13.5954% | 1,032 |
| Tier 1 risk-based capital ratio | 26.6793% | 726 |
| Total risk-based capital ratio | 27.9667% | 698 |
| Memoranda: | ||
| Average total assets | $43,707,500 | 6,830 |
| Average earning assets | $37,783,500 | 6,884 |
| Average equity | $5,937,500 | 6,465 |
| Average total loans | $21,043,250 | 6,957 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2602% | 3,650 |
| Cost of funding earning assets | 1.7551% | 1,841 |
| Net interest margin | 3.5050% | 5,230 |
| Noninterest income to average assets | 0.6304% | 3,126 |
| Noninterest expense to average assets | 4.1156% | 906 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.4458% | 6,606 |
| Return on assets (ROA) | -0.4458% | 6,644 |
| Pretax return on assets | -0.4458% | 6,549 |
| Return on Equity (ROE) | -3.3201% | 6,548 |
| Retained earnings to average equity (ytd only) | -3.3201% | 6,343 |
| Net charge-offs to loans | 3.3950% | 439 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.2676% | 5,912 |
| Efficiency ratio | 112.1472% | 513 |
| Assets per employee ($millions) | 2.7610% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6921% | 122 |
| Loan loss allowance to noncurrent loans | 62.8855% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 5.7588% | 1,049 |
| Noncurrent loans to loans | 9.0515% | 524 |
| Net loans and leases to total assets | 45.6863% | 6,797 |
| Net loans and leases to deposits | 53.7544% | 6,880 |
| Net loans and leases to core deposits | 58.8889% | 6,774 |
| Total domestic deposits to total assets | 84.9909% | 3,632 |
| Equity capital to assets | 14.3426% | 1,052 |
| Core capital (leverage) ratio | 12.8055% | 1,279 |
| Tier 1 risk-based capital ratio | 26.1129% | 760 |
| Total risk-based capital ratio | 27.4117% | 748 |
| Memoranda: | ||
| Average total assets | $44,416,670 | 6,851 |
| Average earning assets | $38,516,000 | 6,909 |
| Average equity | $5,963,670 | 6,479 |
| Average total loans | $21,797,000 | 6,977 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2751% | 3,666 |
| Cost of funding earning assets | 1.7385% | 2,192 |
| Net interest margin | 3.5366% | 5,010 |
| Noninterest income to average assets | 0.7230% | 2,443 |
| Noninterest expense to average assets | 4.0682% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2439% | 6,599 |
| Return on assets (ROA) | -0.2439% | 6,664 |
| Pretax return on assets | -0.2439% | 6,596 |
| Return on Equity (ROE) | -1.8743% | 6,626 |
| Retained earnings to average equity (ytd only) | -1.8743% | 6,195 |
| Net charge-offs to loans | 5.1888% | 226 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.0952% | 5,095 |
| Efficiency ratio | 106.3781% | 670 |
| Assets per employee ($millions) | 3.0108% | 6,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5238% | 127 |
| Loan loss allowance to noncurrent loans | 55.5911% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 5.3718% | 1,164 |
| Noncurrent loans to loans | 9.9365% | 427 |
| Net loans and leases to total assets | 46.1273% | 6,820 |
| Net loans and leases to deposits | 53.4894% | 6,950 |
| Net loans and leases to core deposits | 57.2670% | 6,920 |
| Total domestic deposits to total assets | 86.2362% | 3,016 |
| Equity capital to assets | 13.2058% | 1,439 |
| Core capital (leverage) ratio | 12.1361% | 1,579 |
| Tier 1 risk-based capital ratio | 24.4234% | 922 |
| Total risk-based capital ratio | 25.7207% | 895 |
| Memoranda: | ||
| Average total assets | $45,917,500 | 6,878 |
| Average earning assets | $40,264,500 | 6,919 |
| Average equity | $5,975,500 | 6,524 |
| Average total loans | $22,664,000 | 7,007 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0411% | 1,712 |
| Cost of funding earning assets | 2.0826% | 2,556 |
| Net interest margin | 3.9584% | 3,037 |
| Noninterest income to average assets | 0.5557% | 3,975 |
| Noninterest expense to average assets | 4.1961% | 1,104 |
| Loan and lease loss provision to assets | 1.1156% | 2,051 |
| Net operating income to assets | -0.7255% | 6,387 |
| Return on assets (ROA) | -0.7067% | 6,366 |
| Pretax return on assets | -1.1554% | 6,516 |
| Return on Equity (ROE) | -5.4365% | 6,254 |
| Retained earnings to average equity (ytd only) | -5.4365% | 6,080 |
| Net charge-offs to loans | 3.2464% | 626 |
| Credit loss provision to net charge-offs | 64.9573% | 6,567 |
| Earnings coverage of net charge-offs (x) | -0.0403% | 6,260 |
| Efficiency ratio | 101.6768% | 1,024 |
| Assets per employee ($millions) | 3.1115% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4954% | 82 |
| Loan loss allowance to noncurrent loans | 58.6501% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 6.4556% | 855 |
| Noncurrent loans to loans | 11.0748% | 342 |
| Net loans and leases to total assets | 46.6351% | 6,929 |
| Net loans and leases to deposits | 53.8922% | 7,057 |
| Net loans and leases to core deposits | 74.4850% | 6,507 |
| Total domestic deposits to total assets | 86.5340% | 2,741 |
| Equity capital to assets | 12.8275% | 1,582 |
| Core capital (leverage) ratio | 12.0893% | 1,626 |
| Tier 1 risk-based capital ratio | 22.7708% | 1,065 |
| Total risk-based capital ratio | 24.0785% | 1,036 |
| Memoranda: | ||
| Average total assets | $47,687,200 | 6,805 |
| Average earning assets | $43,022,200 | 6,815 |
| Average equity | $6,198,800 | 6,535 |
| Average total loans | $25,228,000 | 6,898 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0065% | 2,008 |
| Cost of funding earning assets | 2.1165% | 2,817 |
| Net interest margin | 3.8900% | 3,269 |
| Noninterest income to average assets | 0.5034% | 4,454 |
| Noninterest expense to average assets | 4.1244% | 1,111 |
| Loan and lease loss provision to assets | 0.9512% | 2,026 |
| Net operating income to assets | -0.7481% | 6,644 |
| Return on assets (ROA) | -0.7481% | 6,656 |
| Pretax return on assets | -1.0402% | 6,712 |
| Return on Equity (ROE) | -5.7370% | 6,528 |
| Retained earnings to average equity (ytd only) | -5.7370% | 6,357 |
| Net charge-offs to loans | 2.7480% | 650 |
| Credit loss provision to net charge-offs | 64.5283% | 6,091 |
| Earnings coverage of net charge-offs (x) | -0.0604% | 6,138 |
| Efficiency ratio | 102.2054% | 973 |
| Assets per employee ($millions) | 2.9245% | 6,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5954% | 61 |
| Loan loss allowance to noncurrent loans | 44.7749% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 8.4438% | 483 |
| Noncurrent loans to loans | 14.7302% | 152 |
| Net loans and leases to total assets | 48.7583% | 6,886 |
| Net loans and leases to deposits | 56.5764% | 7,054 |
| Net loans and leases to core deposits | 77.2212% | 6,546 |
| Total domestic deposits to total assets | 86.1814% | 2,601 |
| Equity capital to assets | 13.1304% | 1,645 |
| Core capital (leverage) ratio | 11.9120% | 1,841 |
| Tier 1 risk-based capital ratio | 22.0819% | 1,219 |
| Total risk-based capital ratio | 23.3901% | 1,189 |
| Memoranda: | ||
| Average total assets | $47,940,750 | 6,838 |
| Average earning assets | $43,529,250 | 6,838 |
| Average equity | $6,251,750 | 6,573 |
| Average total loans | $25,715,500 | 6,930 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4856% | 849 |
| Cost of funding earning assets | 2.1528% | 3,029 |
| Net interest margin | 4.3328% | 1,566 |
| Noninterest income to average assets | 0.4470% | 4,875 |
| Noninterest expense to average assets | 4.4326% | 831 |
| Loan and lease loss provision to assets | 1.2416% | 1,380 |
| Net operating income to assets | -0.8360% | 6,854 |
| Return on assets (ROA) | -0.8360% | 6,857 |
| Pretax return on assets | -1.2706% | 6,976 |
| Return on Equity (ROE) | -6.4253% | 6,752 |
| Retained earnings to average equity (ytd only) | -6.4253% | 6,505 |
| Net charge-offs to loans | 2.4402% | 719 |
| Credit loss provision to net charge-offs | 94.0439% | 4,799 |
| Earnings coverage of net charge-offs (x) | -0.0219% | 5,715 |
| Efficiency ratio | 100.6579% | 1,145 |
| Assets per employee ($millions) | 2.7876% | 6,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0557% | 47 |
| Loan loss allowance to noncurrent loans | 45.9355% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 9.1730% | 364 |
| Noncurrent loans to loans | 15.3599% | 124 |
| Net loans and leases to total assets | 49.4798% | 6,919 |
| Net loans and leases to deposits | 57.3497% | 7,069 |
| Net loans and leases to core deposits | 75.5485% | 6,703 |
| Total domestic deposits to total assets | 86.2774% | 2,639 |
| Equity capital to assets | 13.0241% | 1,679 |
| Core capital (leverage) ratio | 12.1615% | 1,767 |
| Tier 1 risk-based capital ratio | 22.0035% | 1,256 |
| Total risk-based capital ratio | 23.3184% | 1,215 |
| Memoranda: | ||
| Average total assets | $48,323,670 | 6,893 |
| Average earning assets | $44,128,330 | 6,878 |
| Average equity | $6,287,670 | 6,612 |
| Average total loans | $26,145,330 | 6,956 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5671% | 760 |
| Cost of funding earning assets | 2.2483% | 2,923 |
| Net interest margin | 4.3188% | 1,551 |
| Noninterest income to average assets | 0.4673% | 4,616 |
| Noninterest expense to average assets | 4.6566% | 611 |
| Loan and lease loss provision to assets | 2.4185% | 481 |
| Net operating income to assets | -1.7626% | 7,590 |
| Return on assets (ROA) | -1.7626% | 7,594 |
| Pretax return on assets | -2.6234% | 7,687 |
| Return on Equity (ROE) | -13.5529% | 7,544 |
| Retained earnings to average equity (ytd only) | -13.5529% | 7,356 |
| Net charge-offs to loans | 2.6462% | 509 |
| Credit loss provision to net charge-offs | 167.6136% | 2,548 |
| Earnings coverage of net charge-offs (x) | -0.1420% | 5,105 |
| Efficiency ratio | 104.6041% | 962 |
| Assets per employee ($millions) | 2.8648% | 6,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3019% | 42 |
| Loan loss allowance to noncurrent loans | 51.7260% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 8.5643% | 319 |
| Noncurrent loans to loans | 14.1166% | 120 |
| Net loans and leases to total assets | 49.9959% | 6,868 |
| Net loans and leases to deposits | 59.9980% | 6,892 |
| Net loans and leases to core deposits | 79.2456% | 6,439 |
| Total domestic deposits to total assets | 83.3292% | 3,988 |
| Equity capital to assets | 12.7161% | 1,875 |
| Core capital (leverage) ratio | 11.5610% | 2,107 |
| Tier 1 risk-based capital ratio | 21.2950% | 1,403 |
| Total risk-based capital ratio | 22.6138% | 1,358 |
| Memoranda: | ||
| Average total assets | $48,791,000 | 6,914 |
| Average earning assets | $45,012,000 | 6,882 |
| Average equity | $6,345,500 | 6,641 |
| Average total loans | $26,604,000 | 6,970 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2824% | 615 |
| Cost of funding earning assets | 3.0528% | 1,672 |
| Net interest margin | 4.2295% | 2,196 |
| Noninterest income to average assets | 0.6973% | 3,137 |
| Noninterest expense to average assets | 3.9439% | 1,493 |
| Loan and lease loss provision to assets | 2.8720% | 327 |
| Net operating income to assets | -1.4413% | 7,441 |
| Return on assets (ROA) | -1.4273% | 7,382 |
| Pretax return on assets | -2.1477% | 7,485 |
| Return on Equity (ROE) | -11.1091% | 7,352 |
| Retained earnings to average equity (ytd only) | -12.1557% | 7,255 |
| Net charge-offs to loans | 1.4524% | 801 |
| Credit loss provision to net charge-offs | 358.5132% | 1,239 |
| Earnings coverage of net charge-offs (x) | 0.8777% | 5,700 |
| Efficiency ratio | 84.8698% | 1,969 |
| Assets per employee ($millions) | 2.8753% | 6,383 |
| Cash dividends to net income (ytd only)* | -9.4213% | 7,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6776% | 37 |
| Loan loss allowance to noncurrent loans | 92.6365% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 4.6318% | 796 |
| Noncurrent loans to loans | 7.2083% | 407 |
| Net loans and leases to total assets | 51.4362% | 6,899 |
| Net loans and leases to deposits | 59.8847% | 7,097 |
| Net loans and leases to core deposits | 91.8765% | 5,652 |
| Total domestic deposits to total assets | 85.8920% | 2,455 |
| Equity capital to assets | 13.2938% | 1,672 |
| Core capital (leverage) ratio | 11.3371% | 2,346 |
| Tier 1 risk-based capital ratio | 21.9413% | 1,322 |
| Total risk-based capital ratio | 23.2557% | 1,284 |
| Memoranda: | ||
| Average total assets | $52,055,200 | 6,691 |
| Average earning assets | $48,610,600 | 6,652 |
| Average equity | $6,688,200 | 6,572 |
| Average total loans | $28,711,400 | 6,784 |