Home > Doral Bank > Performance and Condition Ratios
Doral Bank, Performance and Condition Ratios
| 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 | 4.8404% | 1,028 |
| Cost of funding earning assets | 1.4832% | 28 |
| Net interest margin | 3.3572% | 4,381 |
| Noninterest income to average assets | 0.1549% | 5,921 |
| Noninterest expense to average assets | 4.4552% | 482 |
| Loan and lease loss provision to assets | 3.1006% | 15 |
| Net operating income to assets | -4.6758% | 6,494 |
| Return on assets (ROA) | -4.6758% | 6,494 |
| Pretax return on assets | -4.4845% | 6,495 |
| Return on Equity (ROE) | -61.1911% | 6,492 |
| Retained earnings to average equity (ytd only) | -61.1911% | 6,492 |
| Net charge-offs to loans | 3.7355% | 21 |
| Credit loss provision to net charge-offs | 106.2937% | 2,253 |
| Earnings coverage of net charge-offs (x) | -0.4744% | 4,762 |
| Efficiency ratio | 145.0573% | 59 |
| Assets per employee ($millions) | 5.4314% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7930% | 378 |
| Loan loss allowance to noncurrent loans | 19.2767% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 12.5089% | 55 |
| Noncurrent loans to loans | 14.4889% | 30 |
| Net loans and leases to total assets | 76.6658% | 1,173 |
| Net loans and leases to deposits | 110.3572% | 226 |
| Net loans and leases to core deposits | 145.3227% | 127 |
| Total domestic deposits to total assets | 69.4706% | 6,217 |
| Equity capital to assets | 7.2428% | 6,293 |
| Core capital (leverage) ratio | 2.2305% | 6,502 |
| Tier 1 risk-based capital ratio | 2.7175% | 6,506 |
| Total risk-based capital ratio | 3.9853% | 6,506 |
| Memoranda: | ||
| Average total assets | $7,191,698,200 | 142 |
| Average earning assets | $6,247,596,200 | 143 |
| Average equity | $549,539,400 | 190 |
| Average total loans | $5,615,945,400 | 126 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 962 |
| Cost of funding earning assets | 1.4825% | 31 |
| Net interest margin | 3.4013% | 4,238 |
| Noninterest income to average assets | 0.0335% | 6,417 |
| Noninterest expense to average assets | 4.3767% | 519 |
| Loan and lease loss provision to assets | 3.4901% | 11 |
| Net operating income to assets | -4.9437% | 6,575 |
| Return on assets (ROA) | -4.9437% | 6,576 |
| Pretax return on assets | -4.8690% | 6,575 |
| Return on Equity (ROE) | -64.0418% | 6,572 |
| Retained earnings to average equity (ytd only) | -64.0418% | 6,571 |
| Net charge-offs to loans | 4.4380% | 12 |
| Credit loss provision to net charge-offs | 100.9054% | 2,188 |
| Earnings coverage of net charge-offs (x) | -0.3987% | 4,493 |
| Efficiency ratio | 145.9991% | 64 |
| Assets per employee ($millions) | 5.2907% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4321% | 697 |
| Loan loss allowance to noncurrent loans | 19.0240% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 10.7915% | 78 |
| Noncurrent loans to loans | 12.7841% | 46 |
| Net loans and leases to total assets | 74.2561% | 1,479 |
| Net loans and leases to deposits | 104.6257% | 376 |
| Net loans and leases to core deposits | 146.2274% | 119 |
| Total domestic deposits to total assets | 70.9731% | 6,233 |
| Equity capital to assets | 7.2411% | 6,349 |
| Core capital (leverage) ratio | 2.1752% | 6,578 |
| Tier 1 risk-based capital ratio | 3.1116% | 6,581 |
| Total risk-based capital ratio | 4.3755% | 6,580 |
| Memoranda: | ||
| Average total assets | $7,514,994,000 | 136 |
| Average earning assets | $6,549,308,750 | 137 |
| Average equity | $580,119,500 | 183 |
| Average total loans | $5,856,912,250 | 120 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 1,087 |
| Cost of funding earning assets | 1.4491% | 34 |
| Net interest margin | 3.3403% | 4,440 |
| Noninterest income to average assets | 0.2526% | 5,386 |
| Noninterest expense to average assets | 4.0560% | 711 |
| Loan and lease loss provision to assets | 4.5617% | 5 |
| Net operating income to assets | -5.5426% | 6,648 |
| Return on assets (ROA) | -5.5426% | 6,648 |
| Pretax return on assets | -5.4427% | 6,648 |
| Return on Equity (ROE) | -70.6156% | 6,641 |
| Retained earnings to average equity (ytd only) | -70.6156% | 6,636 |
| Net charge-offs to loans | 5.6767% | 8 |
| Credit loss provision to net charge-offs | 102.4568% | 1,938 |
| Earnings coverage of net charge-offs (x) | -0.1979% | 4,149 |
| Efficiency ratio | 127.7500% | 109 |
| Assets per employee ($millions) | 6.6307% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 1,300 |
| Loan loss allowance to noncurrent loans | 15.8233% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 10.8986% | 84 |
| Noncurrent loans to loans | 12.8797% | 42 |
| Net loans and leases to total assets | 73.9848% | 1,447 |
| Net loans and leases to deposits | 121.2155% | 80 |
| Net loans and leases to core deposits | 172.9978% | 56 |
| Total domestic deposits to total assets | 61.0357% | 6,547 |
| Equity capital to assets | 6.1620% | 6,519 |
| Core capital (leverage) ratio | 2.2985% | 6,644 |
| Tier 1 risk-based capital ratio | 2.9976% | 6,651 |
| Total risk-based capital ratio | 4.2575% | 6,651 |
| Memoranda: | ||
| Average total assets | $7,886,078,670 | 130 |
| Average earning assets | $6,899,140,000 | 131 |
| Average equity | $618,973,330 | 173 |
| Average total loans | $6,185,156,670 | 117 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 927 |
| Cost of funding earning assets | 1.4814% | 36 |
| Net interest margin | 3.3783% | 4,228 |
| Noninterest income to average assets | 0.8537% | 1,544 |
| Noninterest expense to average assets | 3.6005% | 1,306 |
| Loan and lease loss provision to assets | 1.5505% | 62 |
| Net operating income to assets | -1.4564% | 6,628 |
| Return on assets (ROA) | -1.4564% | 6,622 |
| Pretax return on assets | -1.3446% | 6,602 |
| Return on Equity (ROE) | -16.7615% | 6,612 |
| Retained earnings to average equity (ytd only) | -16.7615% | 6,492 |
| Net charge-offs to loans | 1.0769% | 308 |
| Credit loss provision to net charge-offs | 180.2508% | 1,120 |
| Earnings coverage of net charge-offs (x) | 0.2394% | 3,389 |
| Efficiency ratio | 94.5895% | 717 |
| Assets per employee ($millions) | 6.5196% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0909% | 1,340 |
| Loan loss allowance to noncurrent loans | 14.5423% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 12.9200% | 60 |
| Noncurrent loans to loans | 14.3780% | 44 |
| Net loans and leases to total assets | 78.0245% | 769 |
| Net loans and leases to deposits | 122.0539% | 62 |
| Net loans and leases to core deposits | 178.4206% | 51 |
| Total domestic deposits to total assets | 63.9262% | 6,587 |
| Equity capital to assets | 8.5942% | 5,555 |
| Core capital (leverage) ratio | 4.8170% | 6,651 |
| Tier 1 risk-based capital ratio | 6.1374% | 6,674 |
| Total risk-based capital ratio | 7.3990% | 6,672 |
| Memoranda: | ||
| Average total assets | $7,897,108,000 | 132 |
| Average earning assets | $6,902,268,500 | 130 |
| Average equity | $686,168,500 | 165 |
| Average total loans | $6,308,125,000 | 117 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 1,280 |
| Cost of funding earning assets | 1.6220% | 34 |
| Net interest margin | 3.1920% | 5,027 |
| Noninterest income to average assets | 0.6957% | 2,566 |
| Noninterest expense to average assets | 3.7040% | 1,280 |
| Loan and lease loss provision to assets | 0.7903% | 276 |
| Net operating income to assets | -1.0317% | 6,615 |
| Return on assets (ROA) | -1.0275% | 6,611 |
| Pretax return on assets | -0.9656% | 6,586 |
| Return on Equity (ROE) | -12.0068% | 6,608 |
| Retained earnings to average equity (ytd only) | -12.0068% | 6,572 |
| Net charge-offs to loans | 1.1032% | 508 |
| Credit loss provision to net charge-offs | 89.3014% | 2,785 |
| Earnings coverage of net charge-offs (x) | -0.2028% | 5,147 |
| Efficiency ratio | 105.0923% | 352 |
| Assets per employee ($millions) | 6.0066% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 1,977 |
| Loan loss allowance to noncurrent loans | 14.6457% | 6,243 |
| Noncurrent assets plus other real estate owned to assets | 11.4614% | 95 |
| Noncurrent loans to loans | 12.4892% | 62 |
| Net loans and leases to total assets | 78.5992% | 756 |
| Net loans and leases to deposits | 124.7448% | 49 |
| Net loans and leases to core deposits | 189.8801% | 42 |
| Total domestic deposits to total assets | 63.0080% | 6,686 |
| Equity capital to assets | 8.7817% | 5,278 |
| Core capital (leverage) ratio | 8.4638% | 5,710 |
| Tier 1 risk-based capital ratio | 11.1234% | 6,109 |
| Total risk-based capital ratio | 12.3816% | 6,058 |
| Memoranda: | ||
| Average total assets | $7,871,686,400 | 130 |
| Average earning assets | $6,976,090,800 | 131 |
| Average equity | $673,650,600 | 164 |
| Average total loans | $6,314,898,000 | 113 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 1,299 |
| Cost of funding earning assets | 1.6379% | 33 |
| Net interest margin | 3.1847% | 5,043 |
| Noninterest income to average assets | 0.8281% | 2,016 |
| Noninterest expense to average assets | 3.5378% | 1,529 |
| Loan and lease loss provision to assets | 0.6123% | 390 |
| Net operating income to assets | -0.5713% | 6,624 |
| Return on assets (ROA) | -0.5657% | 6,637 |
| Pretax return on assets | -0.4843% | 6,591 |
| Return on Equity (ROE) | -6.6544% | 6,642 |
| Retained earnings to average equity (ytd only) | -6.6544% | 6,559 |
| Net charge-offs to loans | 1.1707% | 470 |
| Credit loss provision to net charge-offs | 65.1657% | 3,179 |
| Earnings coverage of net charge-offs (x) | 0.1303% | 4,822 |
| Efficiency ratio | 96.6549% | 588 |
| Assets per employee ($millions) | 6.0618% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6430% | 2,828 |
| Loan loss allowance to noncurrent loans | 12.6289% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 11.8427% | 94 |
| Noncurrent loans to loans | 13.0096% | 66 |
| Net loans and leases to total assets | 78.9158% | 660 |
| Net loans and leases to deposits | 125.1048% | 49 |
| Net loans and leases to core deposits | 199.4268% | 42 |
| Total domestic deposits to total assets | 63.0798% | 6,767 |
| Equity capital to assets | 8.3873% | 5,843 |
| Core capital (leverage) ratio | 8.1663% | 6,090 |
| Tier 1 risk-based capital ratio | 10.9339% | 6,310 |
| Total risk-based capital ratio | 12.1904% | 6,272 |
| Memoranda: | ||
| Average total assets | $7,846,925,750 | 130 |
| Average earning assets | $6,978,531,000 | 130 |
| Average equity | $667,071,500 | 163 |
| Average total loans | $6,298,208,250 | 111 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7892% | 1,350 |
| Cost of funding earning assets | 1.6399% | 36 |
| Net interest margin | 3.1493% | 5,124 |
| Noninterest income to average assets | 0.8711% | 1,921 |
| Noninterest expense to average assets | 3.6514% | 1,331 |
| Loan and lease loss provision to assets | 0.5032% | 541 |
| Net operating income to assets | -0.5629% | 6,658 |
| Return on assets (ROA) | -0.5545% | 6,663 |
| Pretax return on assets | -0.4678% | 6,615 |
| Return on Equity (ROE) | -6.4932% | 6,673 |
| Retained earnings to average equity (ytd only) | -6.4932% | 6,543 |
| Net charge-offs to loans | 1.3081% | 438 |
| Credit loss provision to net charge-offs | 47.9184% | 3,257 |
| Earnings coverage of net charge-offs (x) | 0.0256% | 4,543 |
| Efficiency ratio | 99.2683% | 516 |
| Assets per employee ($millions) | 5.7015% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 3,080 |
| Loan loss allowance to noncurrent loans | 12.3327% | 6,403 |
| Noncurrent assets plus other real estate owned to assets | 12.0177% | 101 |
| Noncurrent loans to loans | 13.1548% | 74 |
| Net loans and leases to total assets | 78.8490% | 656 |
| Net loans and leases to deposits | 124.4892% | 56 |
| Net loans and leases to core deposits | 208.7290% | 41 |
| Total domestic deposits to total assets | 63.3380% | 6,808 |
| Equity capital to assets | 8.5794% | 5,688 |
| Core capital (leverage) ratio | 8.5001% | 5,672 |
| Tier 1 risk-based capital ratio | 11.4400% | 6,142 |
| Total risk-based capital ratio | 12.6966% | 6,103 |
| Memoranda: | ||
| Average total assets | $7,809,517,670 | 130 |
| Average earning assets | $6,961,098,670 | 130 |
| Average equity | $666,910,000 | 160 |
| Average total loans | $6,268,961,330 | 110 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0634% | 801 |
| Cost of funding earning assets | 1.6414% | 38 |
| Net interest margin | 3.4221% | 4,041 |
| Noninterest income to average assets | 1.0159% | 1,432 |
| Noninterest expense to average assets | 3.6325% | 1,363 |
| Loan and lease loss provision to assets | 0.8474% | 249 |
| Net operating income to assets | -0.5615% | 6,697 |
| Return on assets (ROA) | -0.5615% | 6,720 |
| Pretax return on assets | -0.3996% | 6,637 |
| Return on Equity (ROE) | -6.5911% | 6,733 |
| Retained earnings to average equity (ytd only) | -6.5911% | 6,446 |
| Net charge-offs to loans | 1.6647% | 306 |
| Credit loss provision to net charge-offs | 63.3624% | 2,388 |
| Earnings coverage of net charge-offs (x) | 0.3348% | 3,697 |
| Efficiency ratio | 89.0259% | 1,229 |
| Assets per employee ($millions) | 5.7126% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 2,485 |
| Loan loss allowance to noncurrent loans | 12.8411% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 12.9919% | 112 |
| Noncurrent loans to loans | 14.3193% | 92 |
| Net loans and leases to total assets | 79.2743% | 496 |
| Net loans and leases to deposits | 126.8967% | 43 |
| Net loans and leases to core deposits | 228.1435% | 40 |
| Total domestic deposits to total assets | 62.4716% | 6,890 |
| Equity capital to assets | 8.6493% | 5,859 |
| Core capital (leverage) ratio | 8.4277% | 5,668 |
| Tier 1 risk-based capital ratio | 11.5434% | 6,161 |
| Total risk-based capital ratio | 12.8033% | 6,124 |
| Memoranda: | ||
| Average total assets | $7,760,267,500 | 133 |
| Average earning assets | $6,948,883,500 | 132 |
| Average equity | $661,136,500 | 164 |
| Average total loans | $6,234,331,500 | 111 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0026% | 1,552 |
| Cost of funding earning assets | 1.8327% | 47 |
| Net interest margin | 3.1700% | 5,644 |
| Noninterest income to average assets | 0.7036% | 2,700 |
| Noninterest expense to average assets | 3.6207% | 1,563 |
| Loan and lease loss provision to assets | 1.9917% | 105 |
| Net operating income to assets | -1.2436% | 6,805 |
| Return on assets (ROA) | -1.2065% | 6,809 |
| Pretax return on assets | -1.9961% | 6,921 |
| Return on Equity (ROE) | -14.1887% | 6,810 |
| Retained earnings to average equity (ytd only) | -14.1887% | 6,757 |
| Net charge-offs to loans | 1.9557% | 378 |
| Credit loss provision to net charge-offs | 126.6574% | 2,230 |
| Earnings coverage of net charge-offs (x) | -0.0397% | 5,504 |
| Efficiency ratio | 101.7533% | 500 |
| Assets per employee ($millions) | 5.8231% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9931% | 2,032 |
| Loan loss allowance to noncurrent loans | 14.1125% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 12.6428% | 118 |
| Noncurrent loans to loans | 14.1230% | 94 |
| Net loans and leases to total assets | 78.3250% | 638 |
| Net loans and leases to deposits | 130.8403% | 40 |
| Net loans and leases to core deposits | 245.5386% | 43 |
| Total domestic deposits to total assets | 59.8630% | 6,972 |
| Equity capital to assets | 8.3910% | 6,129 |
| Core capital (leverage) ratio | 8.2197% | 5,977 |
| Tier 1 risk-based capital ratio | 11.4951% | 6,107 |
| Total risk-based capital ratio | 12.7577% | 6,069 |
| Memoranda: | ||
| Average total assets | $7,536,593,200 | 132 |
| Average earning assets | $6,787,057,800 | 132 |
| Average equity | $640,854,800 | 164 |
| Average total loans | $6,059,915,800 | 108 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9988% | 1,698 |
| Cost of funding earning assets | 1.8680% | 48 |
| Net interest margin | 3.1307% | 5,870 |
| Noninterest income to average assets | 0.6896% | 2,757 |
| Noninterest expense to average assets | 3.4398% | 1,896 |
| Loan and lease loss provision to assets | 2.3461% | 73 |
| Net operating income to assets | -1.1930% | 6,907 |
| Return on assets (ROA) | -1.1629% | 6,921 |
| Pretax return on assets | -2.2276% | 7,058 |
| Return on Equity (ROE) | -13.6295% | 6,914 |
| Retained earnings to average equity (ytd only) | -13.6295% | 6,885 |
| Net charge-offs to loans | 1.9874% | 367 |
| Credit loss provision to net charge-offs | 146.5822% | 1,945 |
| Earnings coverage of net charge-offs (x) | 0.0447% | 5,313 |
| Efficiency ratio | 97.9621% | 605 |
| Assets per employee ($millions) | 5.9954% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1607% | 1,782 |
| Loan loss allowance to noncurrent loans | 16.7604% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 11.9120% | 166 |
| Noncurrent loans to loans | 12.8916% | 142 |
| Net loans and leases to total assets | 79.0469% | 599 |
| Net loans and leases to deposits | 130.8004% | 44 |
| Net loans and leases to core deposits | 252.5755% | 45 |
| Total domestic deposits to total assets | 60.4332% | 7,060 |
| Equity capital to assets | 8.4755% | 6,286 |
| Core capital (leverage) ratio | 8.1652% | 6,172 |
| Tier 1 risk-based capital ratio | 11.4875% | 6,233 |
| Total risk-based capital ratio | 12.7525% | 6,195 |
| Memoranda: | ||
| Average total assets | $7,471,466,750 | 132 |
| Average earning assets | $6,734,224,250 | 133 |
| Average equity | $637,505,250 | 164 |
| Average total loans | $6,017,077,250 | 109 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0136% | 1,752 |
| Cost of funding earning assets | 1.9115% | 50 |
| Net interest margin | 3.1021% | 6,003 |
| Noninterest income to average assets | 0.7683% | 2,341 |
| Noninterest expense to average assets | 3.4081% | 2,012 |
| Loan and lease loss provision to assets | 2.6568% | 78 |
| Net operating income to assets | -0.8598% | 6,873 |
| Return on assets (ROA) | -0.8496% | 6,898 |
| Pretax return on assets | -2.4771% | 7,112 |
| Return on Equity (ROE) | -9.9339% | 6,905 |
| Retained earnings to average equity (ytd only) | -9.9339% | 6,834 |
| Net charge-offs to loans | 1.7393% | 511 |
| Credit loss provision to net charge-offs | 189.8860% | 1,491 |
| Earnings coverage of net charge-offs (x) | 0.1170% | 5,021 |
| Efficiency ratio | 95.4158% | 730 |
| Assets per employee ($millions) | 6.2271% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2855% | 1,611 |
| Loan loss allowance to noncurrent loans | 18.1548% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 11.6548% | 191 |
| Noncurrent loans to loans | 12.5890% | 154 |
| Net loans and leases to total assets | 78.2223% | 692 |
| Net loans and leases to deposits | 130.1513% | 43 |
| Net loans and leases to core deposits | 255.6083% | 41 |
| Total domestic deposits to total assets | 60.1011% | 7,132 |
| Equity capital to assets | 8.1503% | 6,487 |
| Core capital (leverage) ratio | 7.9162% | 6,353 |
| Tier 1 risk-based capital ratio | 11.4626% | 6,240 |
| Total risk-based capital ratio | 12.7302% | 6,207 |
| Memoranda: | ||
| Average total assets | $7,395,927,000 | 132 |
| Average earning assets | $6,684,134,000 | 133 |
| Average equity | $632,522,330 | 162 |
| Average total loans | $5,949,609,330 | 110 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0390% | 1,757 |
| Cost of funding earning assets | 1.9584% | 54 |
| Net interest margin | 3.0806% | 6,105 |
| Noninterest income to average assets | 0.8816% | 1,827 |
| Noninterest expense to average assets | 3.2388% | 2,475 |
| Loan and lease loss provision to assets | 4.8195% | 21 |
| Net operating income to assets | -0.9892% | 6,992 |
| Return on assets (ROA) | -0.9807% | 7,009 |
| Pretax return on assets | -4.3761% | 7,259 |
| Return on Equity (ROE) | -11.1923% | 7,010 |
| Retained earnings to average equity (ytd only) | -11.1923% | 6,872 |
| Net charge-offs to loans | 2.4172% | 348 |
| Credit loss provision to net charge-offs | 247.2298% | 1,156 |
| Earnings coverage of net charge-offs (x) | 0.2206% | 4,256 |
| Efficiency ratio | 88.2771% | 1,254 |
| Assets per employee ($millions) | 6.3139% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4368% | 1,453 |
| Loan loss allowance to noncurrent loans | 19.1329% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 11.9648% | 206 |
| Noncurrent loans to loans | 12.7363% | 172 |
| Net loans and leases to total assets | 79.0199% | 484 |
| Net loans and leases to deposits | 125.8429% | 53 |
| Net loans and leases to core deposits | 258.3708% | 42 |
| Total domestic deposits to total assets | 62.7925% | 7,157 |
| Equity capital to assets | 8.5762% | 6,012 |
| Core capital (leverage) ratio | 8.2880% | 5,893 |
| Tier 1 risk-based capital ratio | 12.0665% | 5,917 |
| Total risk-based capital ratio | 13.3366% | 5,881 |
| Memoranda: | ||
| Average total assets | $7,292,231,000 | 134 |
| Average earning assets | $6,597,968,500 | 133 |
| Average equity | $638,936,500 | 161 |
| Average total loans | $5,881,113,000 | 109 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0576% | 2,619 |
| Cost of funding earning assets | 2.3122% | 41 |
| Net interest margin | 2.7454% | 6,889 |
| Noninterest income to average assets | 0.9846% | 1,407 |
| Noninterest expense to average assets | 3.0896% | 3,235 |
| Loan and lease loss provision to assets | 0.7670% | 1,301 |
| Net operating income to assets | -0.5266% | 6,509 |
| Return on assets (ROA) | -0.1595% | 6,285 |
| Pretax return on assets | -0.0768% | 6,193 |
| Return on Equity (ROE) | -1.8030% | 6,320 |
| Retained earnings to average equity (ytd only) | -1.8030% | 6,133 |
| Net charge-offs to loans | 1.4228% | 1,146 |
| Credit loss provision to net charge-offs | 72.3435% | 4,761 |
| Earnings coverage of net charge-offs (x) | 0.3047% | 5,597 |
| Efficiency ratio | 90.5346% | 1,146 |
| Assets per employee ($millions) | 6.2534% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 3,618 |
| Loan loss allowance to noncurrent loans | 14.3682% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 10.4780% | 295 |
| Noncurrent loans to loans | 11.0837% | 262 |
| Net loans and leases to total assets | 79.0209% | 609 |
| Net loans and leases to deposits | 128.8595% | 56 |
| Net loans and leases to core deposits | 265.3276% | 46 |
| Total domestic deposits to total assets | 61.3233% | 7,214 |
| Equity capital to assets | 8.9502% | 5,604 |
| Core capital (leverage) ratio | 8.6237% | 5,352 |
| Tier 1 risk-based capital ratio | 12.9540% | 5,101 |
| Total risk-based capital ratio | 14.2122% | 5,078 |
| Memoranda: | ||
| Average total assets | $7,480,888,400 | 131 |
| Average earning assets | $6,616,358,500 | 136 |
| Average equity | $661,680,800 | 158 |
| Average total loans | $5,574,689,600 | 114 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8944% | 3,584 |
| Cost of funding earning assets | 2.3237% | 45 |
| Net interest margin | 2.5707% | 7,093 |
| Noninterest income to average assets | 1.0435% | 1,237 |
| Noninterest expense to average assets | 3.0714% | 3,275 |
| Loan and lease loss provision to assets | 0.9168% | 970 |
| Net operating income to assets | -0.7577% | 6,780 |
| Return on assets (ROA) | -0.2763% | 6,531 |
| Pretax return on assets | -0.1079% | 6,342 |
| Return on Equity (ROE) | -3.1170% | 6,566 |
| Retained earnings to average equity (ytd only) | -3.1170% | 6,430 |
| Net charge-offs to loans | 1.3838% | 1,097 |
| Credit loss provision to net charge-offs | 89.6145% | 3,781 |
| Earnings coverage of net charge-offs (x) | 0.3201% | 5,368 |
| Efficiency ratio | 90.3642% | 1,145 |
| Assets per employee ($millions) | 6.7482% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9221% | 2,554 |
| Loan loss allowance to noncurrent loans | 16.0726% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 10.8731% | 302 |
| Noncurrent loans to loans | 11.9589% | 239 |
| Net loans and leases to total assets | 77.5106% | 765 |
| Net loans and leases to deposits | 130.5956% | 49 |
| Net loans and leases to core deposits | 285.5568% | 43 |
| Total domestic deposits to total assets | 59.3516% | 7,308 |
| Equity capital to assets | 8.9019% | 5,857 |
| Core capital (leverage) ratio | 8.5530% | 5,631 |
| Tier 1 risk-based capital ratio | 13.3304% | 4,859 |
| Total risk-based capital ratio | 14.5940% | 4,815 |
| Memoranda: | ||
| Average total assets | $7,329,441,750 | 134 |
| Average earning assets | $6,715,601,750 | 134 |
| Average equity | $649,629,500 | 159 |
| Average total loans | $5,418,822,750 | 115 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8801% | 3,708 |
| Cost of funding earning assets | 2.4141% | 42 |
| Net interest margin | 2.4659% | 7,204 |
| Noninterest income to average assets | 1.1250% | 1,019 |
| Noninterest expense to average assets | 2.9983% | 3,649 |
| Loan and lease loss provision to assets | 0.3258% | 2,835 |
| Net operating income to assets | 0.0450% | 6,131 |
| Return on assets (ROA) | 0.3710% | 5,222 |
| Pretax return on assets | 0.5353% | 4,950 |
| Return on Equity (ROE) | 4.1921% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.1921% | 3,529 |
| Net charge-offs to loans | 1.6299% | 896 |
| Credit loss provision to net charge-offs | 27.6437% | 5,026 |
| Earnings coverage of net charge-offs (x) | 0.3297% | 5,071 |
| Efficiency ratio | 88.5256% | 1,359 |
| Assets per employee ($millions) | 6.6071% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 4,153 |
| Loan loss allowance to noncurrent loans | 12.1722% | 6,918 |
| Noncurrent assets plus other real estate owned to assets | 10.8482% | 323 |
| Noncurrent loans to loans | 12.2887% | 234 |
| Net loans and leases to total assets | 75.9153% | 1,082 |
| Net loans and leases to deposits | 128.6945% | 58 |
| Net loans and leases to core deposits | 266.5282% | 53 |
| Total domestic deposits to total assets | 58.9887% | 7,384 |
| Equity capital to assets | 9.3509% | 5,077 |
| Core capital (leverage) ratio | 8.6147% | 5,374 |
| Tier 1 risk-based capital ratio | 14.4027% | 3,868 |
| Total risk-based capital ratio | 15.6601% | 3,830 |
| Memoranda: | ||
| Average total assets | $7,415,229,330 | 134 |
| Average earning assets | $6,801,908,000 | 133 |
| Average equity | $656,322,000 | 161 |
| Average total loans | $5,362,085,330 | 117 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 3,848 |
| Cost of funding earning assets | 2.5021% | 38 |
| Net interest margin | 2.3430% | 7,291 |
| Noninterest income to average assets | 1.1699% | 945 |
| Noninterest expense to average assets | 2.8365% | 4,309 |
| Loan and lease loss provision to assets | 0.1388% | 4,271 |
| Net operating income to assets | 0.2440% | 5,637 |
| Return on assets (ROA) | 0.3494% | 5,260 |
| Pretax return on assets | 0.4987% | 5,031 |
| Return on Equity (ROE) | 4.0543% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.0543% | 3,728 |
| Net charge-offs to loans | 0.4061% | 2,474 |
| Credit loss provision to net charge-offs | 48.7674% | 3,777 |
| Earnings coverage of net charge-offs (x) | 1.7110% | 3,454 |
| Efficiency ratio | 85.3460% | 1,793 |
| Assets per employee ($millions) | 6.2398% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0906% | 2,209 |
| Loan loss allowance to noncurrent loans | 15.6793% | 6,899 |
| Noncurrent assets plus other real estate owned to assets | 10.6703% | 357 |
| Noncurrent loans to loans | 13.3333% | 211 |
| Net loans and leases to total assets | 69.0019% | 2,325 |
| Net loans and leases to deposits | 119.3279% | 97 |
| Net loans and leases to core deposits | 268.1448% | 53 |
| Total domestic deposits to total assets | 57.8254% | 7,449 |
| Equity capital to assets | 8.7316% | 5,604 |
| Core capital (leverage) ratio | 8.3290% | 5,750 |
| Tier 1 risk-based capital ratio | 14.5615% | 3,698 |
| Total risk-based capital ratio | 15.8276% | 3,648 |
| Memoranda: | ||
| Average total assets | $7,581,451,500 | 134 |
| Average earning assets | $6,968,977,000 | 133 |
| Average equity | $653,330,500 | 162 |
| Average total loans | $5,313,846,000 | 119 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 5,935 |
| Cost of funding earning assets | 2.7507% | 49 |
| Net interest margin | 1.9056% | 7,482 |
| Noninterest income to average assets | 0.6471% | 3,170 |
| Noninterest expense to average assets | 2.9691% | 3,963 |
| Loan and lease loss provision to assets | 1.0987% | 1,456 |
| Net operating income to assets | -1.8149% | 7,003 |
| Return on assets (ROA) | -3.0773% | 7,327 |
| Pretax return on assets | -2.9518% | 7,283 |
| Return on Equity (ROE) | -39.7710% | 7,345 |
| Retained earnings to average equity (ytd only) | -39.7710% | 7,337 |
| Net charge-offs to loans | 2.0957% | 953 |
| Credit loss provision to net charge-offs | 83.5021% | 5,409 |
| Earnings coverage of net charge-offs (x) | -0.4489% | 6,428 |
| Efficiency ratio | 124.8354% | 357 |
| Assets per employee ($millions) | 6.0241% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1204% | 2,023 |
| Loan loss allowance to noncurrent loans | 14.5851% | 6,997 |
| Noncurrent assets plus other real estate owned to assets | 11.2640% | 327 |
| Noncurrent loans to loans | 14.5381% | 180 |
| Net loans and leases to total assets | 68.2349% | 2,923 |
| Net loans and leases to deposits | 117.0781% | 137 |
| Net loans and leases to core deposits | 271.8136% | 54 |
| Total domestic deposits to total assets | 58.2815% | 7,523 |
| Equity capital to assets | 8.5058% | 5,848 |
| Core capital (leverage) ratio | 7.9864% | 6,221 |
| Tier 1 risk-based capital ratio | 14.2921% | 3,683 |
| Total risk-based capital ratio | 15.5588% | 3,625 |
| Memoranda: | ||
| Average total assets | $8,473,005,600 | 127 |
| Average earning assets | $7,698,049,000 | 124 |
| Average equity | $655,613,200 | 157 |
| Average total loans | $5,319,475,200 | 120 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 6,066 |
| Cost of funding earning assets | 2.7910% | 51 |
| Net interest margin | 1.8986% | 7,602 |
| Noninterest income to average assets | 0.5163% | 4,052 |
| Noninterest expense to average assets | 2.8728% | 4,198 |
| Loan and lease loss provision to assets | 1.0931% | 1,335 |
| Net operating income to assets | -1.8456% | 7,197 |
| Return on assets (ROA) | -3.4895% | 7,529 |
| Pretax return on assets | -3.3733% | 7,480 |
| Return on Equity (ROE) | -46.1086% | 7,536 |
| Retained earnings to average equity (ytd only) | -46.1086% | 7,534 |
| Net charge-offs to loans | 2.3913% | 723 |
| Credit loss provision to net charge-offs | 74.6330% | 5,298 |
| Earnings coverage of net charge-offs (x) | -0.4344% | 6,302 |
| Efficiency ratio | 128.4492% | 306 |
| Assets per employee ($millions) | 6.0320% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 2,253 |
| Loan loss allowance to noncurrent loans | 12.2573% | 7,140 |
| Noncurrent assets plus other real estate owned to assets | 11.8174% | 283 |
| Noncurrent loans to loans | 16.2246% | 136 |
| Net loans and leases to total assets | 65.1475% | 3,881 |
| Net loans and leases to deposits | 113.8208% | 191 |
| Net loans and leases to core deposits | 279.7412% | 52 |
| Total domestic deposits to total assets | 57.2369% | 7,629 |
| Equity capital to assets | 8.6076% | 6,142 |
| Core capital (leverage) ratio | 7.6869% | 6,686 |
| Tier 1 risk-based capital ratio | 14.9473% | 3,276 |
| Total risk-based capital ratio | 16.2121% | 3,255 |
| Memoranda: | ||
| Average total assets | $8,675,600,250 | 121 |
| Average earning assets | $7,860,493,250 | 120 |
| Average equity | $656,575,500 | 154 |
| Average total loans | $5,313,880,000 | 119 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7044% | 6,128 |
| Cost of funding earning assets | 2.8110% | 59 |
| Net interest margin | 1.8935% | 7,670 |
| Noninterest income to average assets | 0.3648% | 5,219 |
| Noninterest expense to average assets | 2.7422% | 4,729 |
| Loan and lease loss provision to assets | 1.1793% | 1,197 |
| Net operating income to assets | -1.9594% | 7,294 |
| Return on assets (ROA) | -4.7605% | 7,687 |
| Pretax return on assets | -4.6518% | 7,657 |
| Return on Equity (ROE) | -65.6621% | 7,669 |
| Retained earnings to average equity (ytd only) | -65.6621% | 7,667 |
| Net charge-offs to loans | 2.3262% | 755 |
| Credit loss provision to net charge-offs | 84.9855% | 4,566 |
| Earnings coverage of net charge-offs (x) | -0.4838% | 6,011 |
| Efficiency ratio | 132.4235% | 301 |
| Assets per employee ($millions) | 7.1239% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2901% | 1,601 |
| Loan loss allowance to noncurrent loans | 13.0760% | 7,190 |
| Noncurrent assets plus other real estate owned to assets | 12.0055% | 270 |
| Noncurrent loans to loans | 17.5135% | 121 |
| Net loans and leases to total assets | 61.4654% | 4,789 |
| Net loans and leases to deposits | 106.8217% | 357 |
| Net loans and leases to core deposits | 270.0443% | 55 |
| Total domestic deposits to total assets | 57.5402% | 7,692 |
| Equity capital to assets | 8.5320% | 6,125 |
| Core capital (leverage) ratio | 7.8561% | 6,431 |
| Tier 1 risk-based capital ratio | 15.1589% | 3,077 |
| Total risk-based capital ratio | 16.4277% | 3,024 |
| Memoranda: | ||
| Average total assets | $8,857,087,000 | 121 |
| Average earning assets | $7,980,069,670 | 118 |
| Average equity | $642,136,330 | 156 |
| Average total loans | $5,283,600,000 | 119 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 5,730 |
| Cost of funding earning assets | 2.9005% | 60 |
| Net interest margin | 1.9379% | 7,740 |
| Noninterest income to average assets | 0.7654% | 2,204 |
| Noninterest expense to average assets | 2.3880% | 6,134 |
| Loan and lease loss provision to assets | 0.5223% | 2,411 |
| Net operating income to assets | -0.2811% | 6,644 |
| Return on assets (ROA) | 0.1091% | 6,104 |
| Pretax return on assets | 0.1626% | 5,988 |
| Return on Equity (ROE) | 1.6416% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.6416% | 5,116 |
| Net charge-offs to loans | 0.4560% | 2,680 |
| Credit loss provision to net charge-offs | 197.0770% | 1,879 |
| Earnings coverage of net charge-offs (x) | 0.3867% | 4,692 |
| Efficiency ratio | 95.8853% | 1,031 |
| Assets per employee ($millions) | 7.3262% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6147% | 1,163 |
| Loan loss allowance to noncurrent loans | 14.4444% | 7,223 |
| Noncurrent assets plus other real estate owned to assets | 11.6521% | 288 |
| Noncurrent loans to loans | 18.1019% | 106 |
| Net loans and leases to total assets | 58.2885% | 5,385 |
| Net loans and leases to deposits | 112.4605% | 246 |
| Net loans and leases to core deposits | 294.0876% | 56 |
| Total domestic deposits to total assets | 51.8302% | 7,824 |
| Equity capital to assets | 6.8107% | 7,448 |
| Core capital (leverage) ratio | 7.3793% | 6,956 |
| Tier 1 risk-based capital ratio | 14.0632% | 3,614 |
| Total risk-based capital ratio | 15.3324% | 3,566 |
| Memoranda: | ||
| Average total assets | $9,036,245,500 | 119 |
| Average earning assets | $8,043,998,000 | 118 |
| Average equity | $600,647,500 | 165 |
| Average total loans | $5,252,280,000 | 121 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9319% | 6,631 |
| Cost of funding earning assets | 3.1576% | 144 |
| Net interest margin | 1.7744% | 7,814 |
| Noninterest income to average assets | 0.6135% | 3,525 |
| Noninterest expense to average assets | 2.1680% | 7,054 |
| Loan and lease loss provision to assets | 0.5929% | 3,427 |
| Net operating income to assets | -0.4856% | 6,163 |
| Return on assets (ROA) | -0.4022% | 6,072 |
| Pretax return on assets | -0.4074% | 5,925 |
| Return on Equity (ROE) | -7.1276% | 6,393 |
| Retained earnings to average equity (ytd only) | -7.1276% | 6,253 |
| Net charge-offs to loans | 0.8195% | 2,775 |
| Credit loss provision to net charge-offs | 129.0475% | 3,987 |
| Earnings coverage of net charge-offs (x) | 0.2205% | 5,907 |
| Efficiency ratio | 95.5365% | 1,329 |
| Assets per employee ($millions) | 8.3754% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5093% | 1,212 |
| Loan loss allowance to noncurrent loans | 14.8989% | 7,266 |
| Noncurrent assets plus other real estate owned to assets | 10.2515% | 350 |
| Noncurrent loans to loans | 16.8421% | 117 |
| Net loans and leases to total assets | 55.0720% | 6,074 |
| Net loans and leases to deposits | 110.9048% | 355 |
| Net loans and leases to core deposits | 116.1167% | 2,302 |
| Total domestic deposits to total assets | 49.6570% | 7,911 |
| Equity capital to assets | 6.4923% | 7,562 |
| Core capital (leverage) ratio | 7.3635% | 6,922 |
| Tier 1 risk-based capital ratio | 14.0225% | 3,487 |
| Total risk-based capital ratio | 15.2902% | 3,429 |
| Memoranda: | ||
| Average total assets | $8,994,016,800 | 116 |
| Average earning assets | $8,392,892,000 | 110 |
| Average equity | $507,490,200 | 181 |
| Average total loans | $5,042,333,400 | 125 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8789% | 6,932 |
| Cost of funding earning assets | 3.1670% | 204 |
| Net interest margin | 1.7120% | 7,910 |
| Noninterest income to average assets | 0.6151% | 3,588 |
| Noninterest expense to average assets | 2.1616% | 7,075 |
| Loan and lease loss provision to assets | 0.6296% | 2,871 |
| Net operating income to assets | -0.6181% | 6,535 |
| Return on assets (ROA) | -0.7253% | 6,642 |
| Pretax return on assets | -0.6832% | 6,466 |
| Return on Equity (ROE) | -13.3789% | 7,100 |
| Retained earnings to average equity (ytd only) | -13.3789% | 7,034 |
| Net charge-offs to loans | 0.7372% | 2,522 |
| Credit loss provision to net charge-offs | 152.6234% | 3,130 |
| Earnings coverage of net charge-offs (x) | 0.1299% | 5,902 |
| Efficiency ratio | 97.5818% | 1,181 |
| Assets per employee ($millions) | 7.8865% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6606% | 917 |
| Loan loss allowance to noncurrent loans | 16.1985% | 7,273 |
| Noncurrent assets plus other real estate owned to assets | 9.9606% | 345 |
| Noncurrent loans to loans | 16.4247% | 118 |
| Net loans and leases to total assets | 54.7951% | 6,297 |
| Net loans and leases to deposits | 117.4314% | 248 |
| Net loans and leases to core deposits | 122.8636% | 2,001 |
| Total domestic deposits to total assets | 46.6613% | 7,997 |
| Equity capital to assets | 5.5530% | 7,914 |
| Core capital (leverage) ratio | 6.5293% | 7,659 |
| Tier 1 risk-based capital ratio | 12.2989% | 4,711 |
| Total risk-based capital ratio | 13.5686% | 4,635 |
| Memoranda: | ||
| Average total assets | $8,920,440,500 | 121 |
| Average earning assets | $8,337,637,250 | 116 |
| Average equity | $483,605,750 | 192 |
| Average total loans | $4,991,185,250 | 130 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 7,080 |
| Cost of funding earning assets | 3.2409% | 244 |
| Net interest margin | 1.6374% | 7,974 |
| Noninterest income to average assets | 0.4008% | 5,274 |
| Noninterest expense to average assets | 2.1257% | 7,224 |
| Loan and lease loss provision to assets | 0.8085% | 2,072 |
| Net operating income to assets | -0.9901% | 6,975 |
| Return on assets (ROA) | -1.0097% | 6,991 |
| Pretax return on assets | -1.0218% | 6,828 |
| Return on Equity (ROE) | -18.7784% | 7,474 |
| Retained earnings to average equity (ytd only) | -18.7784% | 7,418 |
| Net charge-offs to loans | 0.7314% | 2,222 |
| Credit loss provision to net charge-offs | 197.9768% | 2,312 |
| Earnings coverage of net charge-offs (x) | -0.4736% | 6,062 |
| Efficiency ratio | 110.0103% | 852 |
| Assets per employee ($millions) | 7.7400% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7393% | 719 |
| Loan loss allowance to noncurrent loans | 17.5176% | 7,253 |
| Noncurrent assets plus other real estate owned to assets | 9.7083% | 317 |
| Noncurrent loans to loans | 15.6376% | 120 |
| Net loans and leases to total assets | 56.3078% | 6,179 |
| Net loans and leases to deposits | 121.7053% | 207 |
| Net loans and leases to core deposits | 127.7564% | 1,725 |
| Total domestic deposits to total assets | 46.2657% | 8,078 |
| Equity capital to assets | 5.3632% | 8,015 |
| Core capital (leverage) ratio | 6.3649% | 7,841 |
| Tier 1 risk-based capital ratio | 12.4059% | 4,593 |
| Total risk-based capital ratio | 13.6767% | 4,501 |
| Memoranda: | ||
| Average total assets | $8,907,567,330 | 125 |
| Average earning assets | $8,331,537,330 | 120 |
| Average equity | $478,975,330 | 195 |
| Average total loans | $4,973,813,000 | 137 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8316% | 7,321 |
| Cost of funding earning assets | 3.3706% | 218 |
| Net interest margin | 1.4610% | 8,070 |
| Noninterest income to average assets | -0.0057% | 8,091 |
| Noninterest expense to average assets | 2.1879% | 6,901 |
| Loan and lease loss provision to assets | 1.3834% | 927 |
| Net operating income to assets | -2.2221% | 7,713 |
| Return on assets (ROA) | -2.2227% | 7,714 |
| Pretax return on assets | -2.2096% | 7,595 |
| Return on Equity (ROE) | -41.2849% | 8,002 |
| Retained earnings to average equity (ytd only) | -41.2849% | 7,981 |
| Net charge-offs to loans | 0.9289% | 1,426 |
| Credit loss provision to net charge-offs | 271.5168% | 1,759 |
| Earnings coverage of net charge-offs (x) | -1.6205% | 5,442 |
| Efficiency ratio | 160.6129% | 304 |
| Assets per employee ($millions) | 7.9906% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8039% | 577 |
| Loan loss allowance to noncurrent loans | 18.2880% | 7,249 |
| Noncurrent assets plus other real estate owned to assets | 8.9809% | 280 |
| Noncurrent loans to loans | 15.3319% | 96 |
| Net loans and leases to total assets | 53.6508% | 6,511 |
| Net loans and leases to deposits | 121.0293% | 267 |
| Net loans and leases to core deposits | 126.6729% | 1,874 |
| Total domestic deposits to total assets | 44.3288% | 8,127 |
| Equity capital to assets | 5.1604% | 8,107 |
| Core capital (leverage) ratio | 6.3341% | 7,933 |
| Tier 1 risk-based capital ratio | 12.5337% | 4,524 |
| Total risk-based capital ratio | 13.8058% | 4,431 |
| Memoranda: | ||
| Average total assets | $9,026,944,000 | 125 |
| Average earning assets | $8,451,664,500 | 121 |
| Average equity | $485,998,500 | 190 |
| Average total loans | $4,951,372,000 | 139 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6856% | 6,822 |
| Cost of funding earning assets | 3.7401% | 238 |
| Net interest margin | 1.9455% | 8,095 |
| Noninterest income to average assets | 0.7506% | 2,780 |
| Noninterest expense to average assets | 2.2915% | 6,727 |
| Loan and lease loss provision to assets | 0.5319% | 2,690 |
| Net operating income to assets | -1.4860% | 7,456 |
| Return on assets (ROA) | -1.5338% | 7,426 |
| Pretax return on assets | -0.3210% | 6,483 |
| Return on Equity (ROE) | -24.4262% | 7,850 |
| Retained earnings to average equity (ytd only) | -24.4262% | 7,794 |
| Net charge-offs to loans | 0.8178% | 1,532 |
| Credit loss provision to net charge-offs | 117.3194% | 4,588 |
| Earnings coverage of net charge-offs (x) | 0.5707% | 5,887 |
| Efficiency ratio | 89.8551% | 1,526 |
| Assets per employee ($millions) | 6.6729% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4262% | 743 |
| Loan loss allowance to noncurrent loans | 18.2045% | 7,308 |
| Noncurrent assets plus other real estate owned to assets | 7.6883% | 310 |
| Noncurrent loans to loans | 13.3274% | 93 |
| Net loans and leases to total assets | 53.1828% | 6,736 |
| Net loans and leases to deposits | 109.6328% | 860 |
| Net loans and leases to core deposits | 115.3511% | 3,201 |
| Total domestic deposits to total assets | 48.5099% | 8,137 |
| Equity capital to assets | 5.6063% | 8,122 |
| Core capital (leverage) ratio | 6.4166% | 7,960 |
| Tier 1 risk-based capital ratio | 14.1748% | 3,464 |
| Total risk-based capital ratio | 15.4438% | 3,376 |
| Memoranda: | ||
| Average total assets | $8,611,698,200 | 123 |
| Average earning assets | $7,966,104,200 | 120 |
| Average equity | $540,763,600 | 176 |
| Average total loans | $4,774,081,600 | 140 |