Home > GE Capital Bank > Performance and Condition Ratios
GE Capital Bank, Performance and Condition Ratios
| 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 | 0.0531% | 6,119 |
| Cost of funding earning assets | -0.0087% | 6,121 |
| Net interest margin | 0.0617% | 6,119 |
| Noninterest income to average assets | -0.1655% | 6,107 |
| Noninterest expense to average assets | -0.1019% | 6,121 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0063% | 5,790 |
| Return on assets (ROA) | -0.0089% | 5,819 |
| Pretax return on assets | -0.0056% | 5,816 |
| Return on Equity (ROE) | -0.0495% | 5,819 |
| Retained earnings to average equity (ytd only) | -0.0495% | 5,116 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0944% | 368 |
| Assets per employee ($millions) | 165.9808% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 0.1701% | 6,088 |
| Net loans and leases to deposits | 0.2138% | 6,089 |
| Net loans and leases to core deposits | 0.4093% | 6,077 |
| Total domestic deposits to total assets | 79.5432% | 4,850 |
| Equity capital to assets | 17.9253% | 330 |
| Core capital (leverage) ratio | 17.6138% | 322 |
| Tier 1 risk-based capital ratio | 2,733.9155% | 3 |
| Total risk-based capital ratio | 2,733.9155% | 3 |
| Memoranda: | ||
| Average total assets | $21,126,892,000 | 73 |
| Average earning assets | $20,740,151,000 | 67 |
| Average equity | $3,778,806,000 | 50 |
| Average total loans | $2,614,456,000 | 250 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7064% | 4,354 |
| Cost of funding earning assets | 1.5205% | 14 |
| Net interest margin | 2.1859% | 5,990 |
| Noninterest income to average assets | 1.2723% | 737 |
| Noninterest expense to average assets | 3.1036% | 2,227 |
| Loan and lease loss provision to assets | 0.1887% | 1,180 |
| Net operating income to assets | -0.0422% | 5,893 |
| Return on assets (ROA) | -0.0463% | 5,917 |
| Pretax return on assets | -0.0719% | 5,918 |
| Return on Equity (ROE) | -0.2749% | 5,906 |
| Retained earnings to average equity (ytd only) | -0.2749% | 5,548 |
| Net charge-offs to loans | 1.0134% | 199 |
| Credit loss provision to net charge-offs | 31.6057% | 3,631 |
| Earnings coverage of net charge-offs (x) | 0.2062% | 4,253 |
| Efficiency ratio | 56.0624% | 5,337 |
| Assets per employee ($millions) | 154.3119% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 4,681 |
| Noncurrent loans to loans | 0.9277% | 2,482 |
| Net loans and leases to total assets | 24.5719% | 5,996 |
| Net loans and leases to deposits | 31.0783% | 5,979 |
| Net loans and leases to core deposits | 62.3384% | 4,855 |
| Total domestic deposits to total assets | 79.0646% | 4,966 |
| Equity capital to assets | 18.2002% | 300 |
| Core capital (leverage) ratio | 17.5447% | 313 |
| Tier 1 risk-based capital ratio | 62.3062% | 82 |
| Total risk-based capital ratio | 62.3062% | 82 |
| Memoranda: | ||
| Average total assets | $22,479,057,600 | 68 |
| Average earning assets | $20,099,211,600 | 66 |
| Average equity | $3,784,265,200 | 49 |
| Average total loans | $13,240,618,000 | 72 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8924% | 779 |
| Cost of funding earning assets | 2.1207% | 5 |
| Net interest margin | 2.7717% | 5,629 |
| Noninterest income to average assets | 0.8899% | 1,479 |
| Noninterest expense to average assets | 4.3272% | 474 |
| Loan and lease loss provision to assets | 0.2478% | 693 |
| Net operating income to assets | -0.7991% | 6,177 |
| Return on assets (ROA) | -0.8035% | 6,176 |
| Pretax return on assets | -1.2635% | 6,203 |
| Return on Equity (ROE) | -4.8646% | 6,135 |
| Retained earnings to average equity (ytd only) | -4.8646% | 6,019 |
| Net charge-offs to loans | 1.1729% | 140 |
| Credit loss provision to net charge-offs | 31.6057% | 3,258 |
| Earnings coverage of net charge-offs (x) | -1.2864% | 4,064 |
| Efficiency ratio | 79.1436% | 1,782 |
| Assets per employee ($millions) | 147.2432% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 4,767 |
| Noncurrent loans to loans | 0.4855% | 3,902 |
| Net loans and leases to total assets | 51.0973% | 4,844 |
| Net loans and leases to deposits | 64.8855% | 4,478 |
| Net loans and leases to core deposits | 138.6620% | 182 |
| Total domestic deposits to total assets | 78.7500% | 5,039 |
| Equity capital to assets | 17.0060% | 429 |
| Core capital (leverage) ratio | 16.8190% | 394 |
| Tier 1 risk-based capital ratio | 27.6765% | 640 |
| Total risk-based capital ratio | 27.6765% | 717 |
| Memoranda: | ||
| Average total assets | $22,813,640,250 | 68 |
| Average earning assets | $19,989,584,250 | 66 |
| Average equity | $3,768,417,250 | 48 |
| Average total loans | $15,252,101,750 | 64 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,347 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 0.0000% | 6,346 |
| Noninterest income to average assets | 0.0000% | 6,260 |
| Noninterest expense to average assets | 0.0000% | 6,347 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0000% | 5,992 |
| Return on assets (ROA) | -1.8454% | 6,298 |
| Pretax return on assets | -1.8454% | 6,296 |
| Return on Equity (ROE) | -11.2638% | 6,263 |
| Retained earnings to average equity (ytd only) | -11.2638% | 6,196 |
| Net charge-offs to loans | 1.6142% | 103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 3,711 |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 126.8022% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 4,537 |
| Noncurrent loans to loans | 0.4891% | 4,008 |
| Net loans and leases to total assets | 68.2832% | 2,606 |
| Net loans and leases to deposits | 84.8117% | 2,208 |
| Net loans and leases to core deposits | 197.9858% | 46 |
| Total domestic deposits to total assets | 80.5115% | 4,744 |
| Equity capital to assets | 16.0105% | 528 |
| Core capital (leverage) ratio | 15.4876% | 542 |
| Tier 1 risk-based capital ratio | 18.9732% | 1,796 |
| Total risk-based capital ratio | 18.9732% | 2,098 |
| Memoranda: | ||
| Average total assets | $23,023,885,000 | 65 |
| Average earning assets | $19,972,287,670 | 65 |
| Average equity | $3,772,125,330 | 48 |
| Average total loans | $16,624,425,670 | 58 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 1,996 |
| Cost of funding earning assets | 1.4124% | 21 |
| Net interest margin | 2.9189% | 5,408 |
| Noninterest income to average assets | 2.2264% | 315 |
| Noninterest expense to average assets | 2.7466% | 3,427 |
| Loan and lease loss provision to assets | 0.5955% | 160 |
| Net operating income to assets | 0.8791% | 2,849 |
| Return on assets (ROA) | 0.8781% | 2,980 |
| Pretax return on assets | 1.4030% | 1,878 |
| Return on Equity (ROE) | 5.3012% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.3012% | 2,886 |
| Net charge-offs to loans | 0.2023% | 1,123 |
| Credit loss provision to net charge-offs | 397.1547% | 667 |
| Earnings coverage of net charge-offs (x) | 13.3378% | 1,731 |
| Efficiency ratio | 58.1190% | 5,322 |
| Assets per employee ($millions) | 113.8341% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6662% | 5,963 |
| Loan loss allowance to noncurrent loans | 185.4500% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 4,864 |
| Noncurrent loans to loans | 0.3593% | 4,516 |
| Net loans and leases to total assets | 73.3884% | 1,585 |
| Net loans and leases to deposits | 92.0484% | 1,183 |
| Net loans and leases to core deposits | 240.1164% | 37 |
| Total domestic deposits to total assets | 79.7280% | 5,115 |
| Equity capital to assets | 16.2210% | 521 |
| Core capital (leverage) ratio | 15.7231% | 501 |
| Tier 1 risk-based capital ratio | 16.8445% | 2,537 |
| Total risk-based capital ratio | 17.3891% | 2,792 |
| Memoranda: | ||
| Average total assets | $23,250,430,000 | 64 |
| Average earning assets | $20,075,034,000 | 65 |
| Average equity | $3,851,338,500 | 47 |
| Average total loans | $17,230,613,500 | 54 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 1,994 |
| Cost of funding earning assets | 1.4325% | 34 |
| Net interest margin | 3.0364% | 5,360 |
| Noninterest income to average assets | 2.2478% | 282 |
| Noninterest expense to average assets | 3.0545% | 2,672 |
| Loan and lease loss provision to assets | 0.2656% | 829 |
| Net operating income to assets | 0.9835% | 2,464 |
| Return on assets (ROA) | 0.9814% | 2,552 |
| Pretax return on assets | 1.5515% | 1,378 |
| Return on Equity (ROE) | 6.0915% | 4,097 |
| Retained earnings to average equity (ytd only) | 6.0915% | 1,862 |
| Net charge-offs to loans | 0.1989% | 2,076 |
| Credit loss provision to net charge-offs | 182.4883% | 1,332 |
| Earnings coverage of net charge-offs (x) | 12.5088% | 2,363 |
| Efficiency ratio | 62.1680% | 4,886 |
| Assets per employee ($millions) | 107.0886% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5462% | 6,206 |
| Loan loss allowance to noncurrent loans | 152.7659% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 4,964 |
| Noncurrent loans to loans | 0.3576% | 4,578 |
| Net loans and leases to total assets | 73.9441% | 1,591 |
| Net loans and leases to deposits | 93.2800% | 1,152 |
| Net loans and leases to core deposits | 290.9897% | 30 |
| Total domestic deposits to total assets | 79.2711% | 5,190 |
| Equity capital to assets | 16.9281% | 426 |
| Core capital (leverage) ratio | 17.2354% | 348 |
| Tier 1 risk-based capital ratio | 17.2005% | 2,426 |
| Total risk-based capital ratio | 17.6416% | 2,706 |
| Memoranda: | ||
| Average total assets | $19,326,600,200 | 70 |
| Average earning assets | $16,720,676,200 | 72 |
| Average equity | $3,113,833,600 | 52 |
| Average total loans | $14,138,410,400 | 61 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 2,027 |
| Cost of funding earning assets | 1.4129% | 38 |
| Net interest margin | 3.0445% | 5,390 |
| Noninterest income to average assets | 2.2080% | 293 |
| Noninterest expense to average assets | 2.9441% | 2,978 |
| Loan and lease loss provision to assets | 0.1905% | 1,272 |
| Net operating income to assets | 1.0684% | 2,158 |
| Return on assets (ROA) | 1.0656% | 2,239 |
| Pretax return on assets | 1.7095% | 1,045 |
| Return on Equity (ROE) | 6.7177% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.7177% | 1,972 |
| Net charge-offs to loans | 0.2141% | 1,755 |
| Credit loss provision to net charge-offs | 122.2448% | 1,888 |
| Earnings coverage of net charge-offs (x) | 12.2219% | 2,341 |
| Efficiency ratio | 60.7211% | 5,084 |
| Assets per employee ($millions) | 94.6972% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5090% | 6,327 |
| Loan loss allowance to noncurrent loans | 222.3801% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 5,517 |
| Noncurrent loans to loans | 0.2289% | 5,209 |
| Net loans and leases to total assets | 72.1309% | 1,825 |
| Net loans and leases to deposits | 88.7637% | 1,582 |
| Net loans and leases to core deposits | 302.6650% | 31 |
| Total domestic deposits to total assets | 81.2617% | 4,746 |
| Equity capital to assets | 15.1523% | 706 |
| Core capital (leverage) ratio | 14.8799% | 640 |
| Tier 1 risk-based capital ratio | 15.5209% | 3,303 |
| Total risk-based capital ratio | 15.9308% | 3,712 |
| Memoranda: | ||
| Average total assets | $18,509,326,500 | 73 |
| Average earning assets | $16,053,555,750 | 74 |
| Average equity | $2,936,034,000 | 54 |
| Average total loans | $13,473,025,250 | 66 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5671% | 1,622 |
| Cost of funding earning assets | 1.4019% | 38 |
| Net interest margin | 3.1651% | 5,052 |
| Noninterest income to average assets | 2.1259% | 319 |
| Noninterest expense to average assets | 2.8656% | 3,286 |
| Loan and lease loss provision to assets | 0.1723% | 1,425 |
| Net operating income to assets | 1.1466% | 1,769 |
| Return on assets (ROA) | 1.1460% | 1,857 |
| Pretax return on assets | 1.8380% | 781 |
| Return on Equity (ROE) | 7.1076% | 3,572 |
| Retained earnings to average equity (ytd only) | 7.1076% | 1,718 |
| Net charge-offs to loans | 0.2152% | 1,735 |
| Credit loss provision to net charge-offs | 109.8615% | 1,827 |
| Earnings coverage of net charge-offs (x) | 12.8233% | 2,031 |
| Efficiency ratio | 58.7582% | 5,464 |
| Assets per employee ($millions) | 89.8391% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5244% | 6,391 |
| Loan loss allowance to noncurrent loans | 190.8483% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 5,520 |
| Noncurrent loans to loans | 0.2748% | 5,193 |
| Net loans and leases to total assets | 72.0679% | 1,735 |
| Net loans and leases to deposits | 90.1513% | 1,359 |
| Net loans and leases to core deposits | 355.9964% | 25 |
| Total domestic deposits to total assets | 79.9411% | 5,250 |
| Equity capital to assets | 16.0963% | 535 |
| Core capital (leverage) ratio | 15.3249% | 555 |
| Tier 1 risk-based capital ratio | 16.5245% | 2,814 |
| Total risk-based capital ratio | 16.9483% | 3,187 |
| Memoranda: | ||
| Average total assets | $18,050,296,670 | 75 |
| Average earning assets | $15,688,737,000 | 75 |
| Average equity | $2,910,293,000 | 55 |
| Average total loans | $13,158,153,670 | 67 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4974% | 1,819 |
| Cost of funding earning assets | 1.3664% | 47 |
| Net interest margin | 3.1310% | 5,143 |
| Noninterest income to average assets | 1.9662% | 345 |
| Noninterest expense to average assets | 2.8251% | 3,468 |
| Loan and lease loss provision to assets | 0.1963% | 1,193 |
| Net operating income to assets | 1.0480% | 2,016 |
| Return on assets (ROA) | 1.0480% | 2,084 |
| Pretax return on assets | 1.6811% | 1,013 |
| Return on Equity (ROE) | 6.4946% | 3,749 |
| Retained earnings to average equity (ytd only) | 6.4946% | 2,282 |
| Net charge-offs to loans | 0.1905% | 1,591 |
| Credit loss provision to net charge-offs | 140.8901% | 1,312 |
| Earnings coverage of net charge-offs (x) | 13.4737% | 1,664 |
| Efficiency ratio | 60.0764% | 5,397 |
| Assets per employee ($millions) | 89.7958% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5409% | 6,467 |
| Loan loss allowance to noncurrent loans | 244.9926% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 5,749 |
| Noncurrent loans to loans | 0.2208% | 5,432 |
| Net loans and leases to total assets | 73.1740% | 1,401 |
| Net loans and leases to deposits | 92.0117% | 954 |
| Net loans and leases to core deposits | 425.7573% | 22 |
| Total domestic deposits to total assets | 79.5268% | 5,592 |
| Equity capital to assets | 16.2671% | 493 |
| Core capital (leverage) ratio | 15.1581% | 579 |
| Tier 1 risk-based capital ratio | 16.3078% | 3,003 |
| Total risk-based capital ratio | 16.7423% | 3,402 |
| Memoranda: | ||
| Average total assets | $17,866,940,500 | 74 |
| Average earning assets | $15,614,641,500 | 74 |
| Average equity | $2,883,206,500 | 55 |
| Average total loans | $13,065,869,000 | 66 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3267% | 504 |
| Cost of funding earning assets | 1.5701% | 42 |
| Net interest margin | 3.7565% | 2,819 |
| Noninterest income to average assets | 1.6374% | 534 |
| Noninterest expense to average assets | 2.5803% | 4,533 |
| Loan and lease loss provision to assets | 0.1222% | 2,786 |
| Net operating income to assets | 1.4318% | 963 |
| Return on assets (ROA) | 1.4318% | 998 |
| Pretax return on assets | 2.2667% | 284 |
| Return on Equity (ROE) | 8.3172% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.3172% | 950 |
| Net charge-offs to loans | 0.1062% | 3,768 |
| Credit loss provision to net charge-offs | 145.7461% | 1,596 |
| Earnings coverage of net charge-offs (x) | 28.4959% | 1,233 |
| Efficiency ratio | 51.9257% | 6,302 |
| Assets per employee ($millions) | 89.7714% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5281% | 6,550 |
| Loan loss allowance to noncurrent loans | 270.1481% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 5,893 |
| Noncurrent loans to loans | 0.1955% | 5,601 |
| Net loans and leases to total assets | 72.3016% | 1,639 |
| Net loans and leases to deposits | 90.2461% | 1,219 |
| Net loans and leases to core deposits | 557.4721% | 20 |
| Total domestic deposits to total assets | 80.1161% | 5,422 |
| Equity capital to assets | 16.0071% | 524 |
| Core capital (leverage) ratio | 15.2662% | 572 |
| Tier 1 risk-based capital ratio | 16.3434% | 2,938 |
| Total risk-based capital ratio | 16.7712% | 3,314 |
| Memoranda: | ||
| Average total assets | $15,955,355,600 | 78 |
| Average earning assets | $14,151,358,000 | 77 |
| Average equity | $2,746,724,400 | 56 |
| Average total loans | $12,600,153,800 | 64 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4725% | 387 |
| Cost of funding earning assets | 1.6299% | 34 |
| Net interest margin | 3.8426% | 2,496 |
| Noninterest income to average assets | 1.5685% | 597 |
| Noninterest expense to average assets | 2.4879% | 4,760 |
| Loan and lease loss provision to assets | 0.1246% | 2,736 |
| Net operating income to assets | 1.4778% | 932 |
| Return on assets (ROA) | 1.4778% | 979 |
| Pretax return on assets | 2.3725% | 284 |
| Return on Equity (ROE) | 8.4141% | 2,920 |
| Retained earnings to average equity (ytd only) | 8.4141% | 1,247 |
| Net charge-offs to loans | 0.1245% | 3,289 |
| Credit loss provision to net charge-offs | 123.8976% | 1,900 |
| Earnings coverage of net charge-offs (x) | 24.8215% | 1,408 |
| Efficiency ratio | 49.9073% | 6,402 |
| Assets per employee ($millions) | 90.6789% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5123% | 6,647 |
| Loan loss allowance to noncurrent loans | 206.5308% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 5,877 |
| Noncurrent loans to loans | 0.2480% | 5,609 |
| Net loans and leases to total assets | 75.5260% | 1,065 |
| Net loans and leases to deposits | 96.6806% | 642 |
| Net loans and leases to core deposits | 1,317.8680% | 18 |
| Total domestic deposits to total assets | 78.1190% | 5,882 |
| Equity capital to assets | 16.7078% | 449 |
| Core capital (leverage) ratio | 15.8639% | 512 |
| Tier 1 risk-based capital ratio | 16.3928% | 2,987 |
| Total risk-based capital ratio | 16.8162% | 3,399 |
| Memoranda: | ||
| Average total assets | $15,478,065,750 | 79 |
| Average earning assets | $13,762,069,000 | 80 |
| Average equity | $2,718,507,250 | 57 |
| Average total loans | $12,503,966,750 | 64 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7698% | 250 |
| Cost of funding earning assets | 1.6784% | 32 |
| Net interest margin | 4.0914% | 1,567 |
| Noninterest income to average assets | 1.4282% | 773 |
| Noninterest expense to average assets | 2.3519% | 5,200 |
| Loan and lease loss provision to assets | 0.1222% | 2,795 |
| Net operating income to assets | 1.6412% | 690 |
| Return on assets (ROA) | 1.6412% | 758 |
| Pretax return on assets | 2.6086% | 247 |
| Return on Equity (ROE) | 9.1780% | 2,545 |
| Retained earnings to average equity (ytd only) | 9.1780% | 1,065 |
| Net charge-offs to loans | 0.1366% | 3,010 |
| Credit loss provision to net charge-offs | 108.3284% | 2,050 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,306 |
| Efficiency ratio | 46.2725% | 6,624 |
| Assets per employee ($millions) | 89.7689% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5171% | 6,692 |
| Loan loss allowance to noncurrent loans | 162.3573% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 5,724 |
| Noncurrent loans to loans | 0.3185% | 5,496 |
| Net loans and leases to total assets | 79.6178% | 572 |
| Net loans and leases to deposits | 102.0353% | 332 |
| Net loans and leases to core deposits | 6,435.4136% | 11 |
| Total domestic deposits to total assets | 78.0297% | 5,972 |
| Equity capital to assets | 18.0419% | 325 |
| Core capital (leverage) ratio | 17.0308% | 367 |
| Tier 1 risk-based capital ratio | 16.7665% | 2,805 |
| Total risk-based capital ratio | 17.1941% | 3,170 |
| Memoranda: | ||
| Average total assets | $15,045,555,000 | 82 |
| Average earning assets | $13,438,888,330 | 81 |
| Average equity | $2,690,401,330 | 57 |
| Average total loans | $12,426,898,670 | 66 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8165% | 228 |
| Cost of funding earning assets | 1.6846% | 32 |
| Net interest margin | 4.1320% | 1,369 |
| Noninterest income to average assets | 0.9669% | 1,563 |
| Noninterest expense to average assets | 2.0750% | 5,964 |
| Loan and lease loss provision to assets | 0.1178% | 2,761 |
| Net operating income to assets | 1.5618% | 755 |
| Return on assets (ROA) | 1.5618% | 821 |
| Pretax return on assets | 2.4835% | 273 |
| Return on Equity (ROE) | 8.7743% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.7743% | 1,459 |
| Net charge-offs to loans | 0.0432% | 3,429 |
| Credit loss provision to net charge-offs | 325.2772% | 746 |
| Earnings coverage of net charge-offs (x) | 71.8012% | 507 |
| Efficiency ratio | 44.3727% | 6,759 |
| Assets per employee ($millions) | 106.4895% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5330% | 6,766 |
| Loan loss allowance to noncurrent loans | 126.5051% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 5,536 |
| Noncurrent loans to loans | 0.4213% | 5,363 |
| Net loans and leases to total assets | 83.1767% | 223 |
| Net loans and leases to deposits | 107.3175% | 175 |
| Net loans and leases to core deposits | 6,323.0491% | 12 |
| Total domestic deposits to total assets | 77.5053% | 6,190 |
| Equity capital to assets | 18.2979% | 314 |
| Core capital (leverage) ratio | 16.5056% | 403 |
| Tier 1 risk-based capital ratio | 16.3880% | 3,069 |
| Total risk-based capital ratio | 16.8333% | 3,445 |
| Memoranda: | ||
| Average total assets | $14,937,974,000 | 81 |
| Average earning assets | $13,410,677,500 | 80 |
| Average equity | $2,658,941,000 | 57 |
| Average total loans | $12,533,642,500 | 63 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8205% | 355 |
| Cost of funding earning assets | 1.3432% | 313 |
| Net interest margin | 4.4774% | 985 |
| Noninterest income to average assets | 1.6892% | 567 |
| Noninterest expense to average assets | 1.9385% | 6,441 |
| Loan and lease loss provision to assets | 0.0461% | 5,262 |
| Net operating income to assets | 2.3253% | 199 |
| Return on assets (ROA) | 2.3423% | 211 |
| Pretax return on assets | 3.7670% | 88 |
| Return on Equity (ROE) | 14.2559% | 949 |
| Retained earnings to average equity (ytd only) | 14.2559% | 193 |
| Net charge-offs to loans | 0.0638% | 5,053 |
| Credit loss provision to net charge-offs | 88.6504% | 3,527 |
| Earnings coverage of net charge-offs (x) | 72.7454% | 511 |
| Efficiency ratio | 33.6908% | 7,005 |
| Assets per employee ($millions) | 124.4294% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4887% | 6,845 |
| Loan loss allowance to noncurrent loans | 153.7344% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 5,877 |
| Noncurrent loans to loans | 0.3179% | 5,690 |
| Net loans and leases to total assets | 83.7664% | 225 |
| Net loans and leases to deposits | 106.0798% | 224 |
| Net loans and leases to core deposits | 5,947.6988% | 12 |
| Total domestic deposits to total assets | 78.9654% | 5,899 |
| Equity capital to assets | 17.3178% | 384 |
| Core capital (leverage) ratio | 16.0757% | 445 |
| Tier 1 risk-based capital ratio | 15.4056% | 3,483 |
| Total risk-based capital ratio | 15.8151% | 3,943 |
| Memoranda: | ||
| Average total assets | $13,693,966,400 | 85 |
| Average earning assets | $12,343,483,600 | 84 |
| Average equity | $2,250,001,800 | 64 |
| Average total loans | $11,172,858,800 | 68 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7196% | 443 |
| Cost of funding earning assets | 1.3494% | 351 |
| Net interest margin | 4.3702% | 1,281 |
| Noninterest income to average assets | 1.6586% | 552 |
| Noninterest expense to average assets | 1.8053% | 6,680 |
| Loan and lease loss provision to assets | -0.0376% | 6,983 |
| Net operating income to assets | 2.3732% | 217 |
| Return on assets (ROA) | 2.3798% | 232 |
| Pretax return on assets | 3.8386% | 86 |
| Return on Equity (ROE) | 14.7103% | 952 |
| Retained earnings to average equity (ytd only) | 14.7103% | 255 |
| Net charge-offs to loans | 0.0140% | 5,501 |
| Credit loss provision to net charge-offs | -331.9788% | 6,389 |
| Earnings coverage of net charge-offs (x) | 334.6050% | 134 |
| Efficiency ratio | 32.0239% | 7,111 |
| Assets per employee ($millions) | 145.6627% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4905% | 6,958 |
| Loan loss allowance to noncurrent loans | 64.6949% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6073% | 5,157 |
| Noncurrent loans to loans | 0.7581% | 4,902 |
| Net loans and leases to total assets | 79.7051% | 529 |
| Net loans and leases to deposits | 99.9636% | 437 |
| Net loans and leases to core deposits | 3,547.6256% | 12 |
| Total domestic deposits to total assets | 79.7342% | 5,722 |
| Equity capital to assets | 16.3652% | 549 |
| Core capital (leverage) ratio | 15.4780% | 543 |
| Tier 1 risk-based capital ratio | 15.3246% | 3,632 |
| Total risk-based capital ratio | 15.7404% | 4,160 |
| Memoranda: | ||
| Average total assets | $13,322,360,000 | 85 |
| Average earning assets | $12,003,369,000 | 84 |
| Average equity | $2,155,275,250 | 68 |
| Average total loans | $10,771,445,750 | 72 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7469% | 440 |
| Cost of funding earning assets | 1.3802% | 377 |
| Net interest margin | 4.3666% | 1,292 |
| Noninterest income to average assets | 1.6441% | 549 |
| Noninterest expense to average assets | 1.7448% | 6,805 |
| Loan and lease loss provision to assets | -0.0946% | 7,105 |
| Net operating income to assets | 2.4431% | 191 |
| Return on assets (ROA) | 2.4501% | 217 |
| Pretax return on assets | 3.9504% | 85 |
| Return on Equity (ROE) | 15.2128% | 902 |
| Retained earnings to average equity (ytd only) | 15.2128% | 273 |
| Net charge-offs to loans | 0.0154% | 5,208 |
| Credit loss provision to net charge-offs | -756.5543% | 6,362 |
| Earnings coverage of net charge-offs (x) | 307.4632% | 134 |
| Efficiency ratio | 30.8456% | 7,173 |
| Assets per employee ($millions) | 159.9964% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5030% | 7,021 |
| Loan loss allowance to noncurrent loans | 19.5829% | 6,531 |
| Noncurrent assets plus other real estate owned to assets | 2.1177% | 2,641 |
| Noncurrent loans to loans | 2.5686% | 2,343 |
| Net loans and leases to total assets | 82.0310% | 336 |
| Net loans and leases to deposits | 115.6398% | 91 |
| Net loans and leases to core deposits | 3,336.1946% | 14 |
| Total domestic deposits to total assets | 70.9366% | 6,857 |
| Equity capital to assets | 15.7847% | 626 |
| Core capital (leverage) ratio | 14.8341% | 630 |
| Tier 1 risk-based capital ratio | 14.2310% | 4,282 |
| Total risk-based capital ratio | 14.6611% | 4,855 |
| Memoranda: | ||
| Average total assets | $12,810,616,330 | 92 |
| Average earning assets | $11,575,528,000 | 91 |
| Average equity | $2,063,207,670 | 69 |
| Average total loans | $10,395,052,000 | 76 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7680% | 454 |
| Cost of funding earning assets | 1.4705% | 329 |
| Net interest margin | 4.2975% | 1,473 |
| Noninterest income to average assets | 0.9954% | 1,437 |
| Noninterest expense to average assets | 1.7407% | 6,861 |
| Loan and lease loss provision to assets | -0.1500% | 7,200 |
| Net operating income to assets | 2.0553% | 376 |
| Return on assets (ROA) | 2.0697% | 425 |
| Pretax return on assets | 3.3380% | 137 |
| Return on Equity (ROE) | 12.7121% | 1,487 |
| Retained earnings to average equity (ytd only) | 12.7121% | 726 |
| Net charge-offs to loans | 0.0130% | 4,518 |
| Credit loss provision to net charge-offs | -1,437.3457% | 5,982 |
| Earnings coverage of net charge-offs (x) | 303.2747% | 108 |
| Efficiency ratio | 34.6098% | 7,200 |
| Assets per employee ($millions) | 183.7252% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5692% | 7,012 |
| Loan loss allowance to noncurrent loans | 50.0159% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 0.9327% | 4,650 |
| Noncurrent loans to loans | 1.1381% | 4,437 |
| Net loans and leases to total assets | 81.4846% | 307 |
| Net loans and leases to deposits | 107.4611% | 177 |
| Net loans and leases to core deposits | 3,413.4578% | 13 |
| Total domestic deposits to total assets | 75.8271% | 6,564 |
| Equity capital to assets | 16.4373% | 508 |
| Core capital (leverage) ratio | 14.5794% | 676 |
| Tier 1 risk-based capital ratio | 15.0187% | 3,749 |
| Total risk-based capital ratio | 15.5121% | 4,243 |
| Memoranda: | ||
| Average total assets | $12,416,075,500 | 93 |
| Average earning assets | $11,299,201,500 | 92 |
| Average equity | $2,021,474,000 | 69 |
| Average total loans | $9,986,395,000 | 75 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5529% | 170 |
| Cost of funding earning assets | 1.7439% | 268 |
| Net interest margin | 4.8089% | 609 |
| Noninterest income to average assets | 2.0893% | 350 |
| Noninterest expense to average assets | 1.6535% | 7,078 |
| Loan and lease loss provision to assets | -0.1264% | 7,287 |
| Net operating income to assets | 3.0627% | 83 |
| Return on assets (ROA) | 3.0634% | 84 |
| Pretax return on assets | 4.9363% | 61 |
| Return on Equity (ROE) | 15.4152% | 688 |
| Retained earnings to average equity (ytd only) | 10.4750% | 478 |
| Net charge-offs to loans | 0.0163% | 6,209 |
| Credit loss provision to net charge-offs | -948.7981% | 6,864 |
| Earnings coverage of net charge-offs (x) | 361.0889% | 96 |
| Efficiency ratio | 25.5870% | 7,310 |
| Assets per employee ($millions) | 189.8283% | 17 |
| Cash dividends to net income (ytd only)* | 32.0476% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 6,961 |
| Loan loss allowance to noncurrent loans | 765.1990% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 6,789 |
| Noncurrent loans to loans | 0.0849% | 6,595 |
| Net loans and leases to total assets | 78.3796% | 666 |
| Net loans and leases to deposits | 97.9588% | 562 |
| Net loans and leases to core deposits | 3,325.3540% | 16 |
| Total domestic deposits to total assets | 80.0128% | 5,741 |
| Equity capital to assets | 16.1229% | 563 |
| Core capital (leverage) ratio | 15.3018% | 559 |
| Tier 1 risk-based capital ratio | 14.9512% | 3,665 |
| Total risk-based capital ratio | 15.5049% | 4,104 |
| Memoranda: | ||
| Average total assets | $9,371,061,600 | 116 |
| Average earning assets | $8,521,754,400 | 113 |
| Average equity | $1,862,268,400 | 72 |
| Average total loans | $7,668,387,400 | 92 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8201% | 129 |
| Cost of funding earning assets | 1.8503% | 209 |
| Net interest margin | 4.9699% | 439 |
| Noninterest income to average assets | 2.4617% | 271 |
| Noninterest expense to average assets | 1.7154% | 7,082 |
| Loan and lease loss provision to assets | -0.2244% | 7,387 |
| Net operating income to assets | 3.4075% | 73 |
| Return on assets (ROA) | 3.4082% | 76 |
| Pretax return on assets | 5.4894% | 57 |
| Return on Equity (ROE) | 16.0667% | 675 |
| Retained earnings to average equity (ytd only) | 9.3656% | 1,021 |
| Net charge-offs to loans | 0.0155% | 5,934 |
| Credit loss provision to net charge-offs | -1,743.2173% | 6,815 |
| Earnings coverage of net charge-offs (x) | 408.9792% | 90 |
| Efficiency ratio | 24.5781% | 7,386 |
| Assets per employee ($millions) | 167.3290% | 19 |
| Cash dividends to net income (ytd only)* | 41.7082% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6880% | 6,983 |
| Loan loss allowance to noncurrent loans | 1,804.5266% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 6,978 |
| Noncurrent loans to loans | 0.0381% | 6,845 |
| Net loans and leases to total assets | 83.5242% | 253 |
| Net loans and leases to deposits | 117.7798% | 94 |
| Net loans and leases to core deposits | 3,311.4792% | 19 |
| Total domestic deposits to total assets | 70.9155% | 6,991 |
| Equity capital to assets | 18.2411% | 363 |
| Core capital (leverage) ratio | 17.7885% | 342 |
| Tier 1 risk-based capital ratio | 15.3591% | 3,454 |
| Total risk-based capital ratio | 15.9311% | 3,827 |
| Memoranda: | ||
| Average total assets | $8,629,117,500 | 122 |
| Average earning assets | $7,843,921,000 | 118 |
| Average equity | $1,830,490,000 | 74 |
| Average total loans | $7,151,887,750 | 94 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3515% | 79 |
| Cost of funding earning assets | 2.0049% | 140 |
| Net interest margin | 5.3466% | 226 |
| Noninterest income to average assets | 1.8047% | 416 |
| Noninterest expense to average assets | 1.8256% | 7,051 |
| Loan and lease loss provision to assets | -0.1314% | 7,434 |
| Net operating income to assets | 3.0787% | 100 |
| Return on assets (ROA) | 3.0794% | 102 |
| Pretax return on assets | 4.9611% | 72 |
| Return on Equity (ROE) | 13.6745% | 1,054 |
| Retained earnings to average equity (ytd only) | 3.4504% | 4,060 |
| Net charge-offs to loans | 0.0172% | 5,598 |
| Credit loss provision to net charge-offs | -926.1023% | 6,575 |
| Earnings coverage of net charge-offs (x) | 340.2751% | 98 |
| Efficiency ratio | 27.4363% | 7,451 |
| Assets per employee ($millions) | 123.8793% | 19 |
| Cash dividends to net income (ytd only)* | 74.7676% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 6,442 |
| Loan loss allowance to noncurrent loans | 713.2888% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 6,794 |
| Noncurrent loans to loans | 0.1362% | 6,636 |
| Net loans and leases to total assets | 85.3252% | 167 |
| Net loans and leases to deposits | 116.4247% | 112 |
| Net loans and leases to core deposits | 2,941.2501% | 22 |
| Total domestic deposits to total assets | 73.2879% | 6,902 |
| Equity capital to assets | 21.6559% | 186 |
| Core capital (leverage) ratio | 19.3225% | 254 |
| Tier 1 risk-based capital ratio | 17.4934% | 2,344 |
| Total risk-based capital ratio | 18.2984% | 2,476 |
| Memoranda: | ||
| Average total assets | $7,991,581,670 | 126 |
| Average earning assets | $7,248,516,670 | 127 |
| Average equity | $1,799,677,000 | 76 |
| Average total loans | $6,580,555,330 | 99 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2763% | 89 |
| Cost of funding earning assets | 2.1099% | 118 |
| Net interest margin | 5.1664% | 268 |
| Noninterest income to average assets | 0.9081% | 1,637 |
| Noninterest expense to average assets | 1.8451% | 7,081 |
| Loan and lease loss provision to assets | 0.0305% | 5,585 |
| Net operating income to assets | 2.3124% | 223 |
| Return on assets (ROA) | 2.3125% | 235 |
| Pretax return on assets | 3.7267% | 110 |
| Return on Equity (ROE) | 10.0598% | 2,072 |
| Retained earnings to average equity (ytd only) | -2.4724% | 6,215 |
| Net charge-offs to loans | 0.0182% | 4,826 |
| Credit loss provision to net charge-offs | 208.4507% | 1,428 |
| Earnings coverage of net charge-offs (x) | 257.1479% | 119 |
| Efficiency ratio | 32.9360% | 7,477 |
| Assets per employee ($millions) | 131.2447% | 16 |
| Cash dividends to net income (ytd only)* | 124.5773% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 5,542 |
| Loan loss allowance to noncurrent loans | 256.1038% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 6,270 |
| Noncurrent loans to loans | 0.4754% | 6,069 |
| Net loans and leases to total assets | 77.6942% | 771 |
| Net loans and leases to deposits | 107.6516% | 220 |
| Net loans and leases to core deposits | 2,654.3350% | 21 |
| Total domestic deposits to total assets | 72.1719% | 7,072 |
| Equity capital to assets | 22.2522% | 163 |
| Core capital (leverage) ratio | 20.0400% | 227 |
| Tier 1 risk-based capital ratio | 18.9776% | 1,812 |
| Total risk-based capital ratio | 19.9592% | 1,849 |
| Memoranda: | ||
| Average total assets | $7,775,476,500 | 132 |
| Average earning assets | $7,064,419,500 | 132 |
| Average equity | $1,787,392,000 | 76 |
| Average total loans | $6,241,757,500 | 104 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1582% | 625 |
| Cost of funding earning assets | 2.4580% | 129 |
| Net interest margin | 3.7002% | 4,340 |
| Noninterest income to average assets | 3.2010% | 215 |
| Noninterest expense to average assets | 2.6048% | 5,398 |
| Loan and lease loss provision to assets | -0.0403% | 7,588 |
| Net operating income to assets | 2.3965% | 132 |
| Return on assets (ROA) | 2.3969% | 139 |
| Pretax return on assets | 3.8865% | 74 |
| Return on Equity (ROE) | 9.8474% | 1,987 |
| Retained earnings to average equity (ytd only) | -29.4867% | 7,207 |
| Net charge-offs to loans | 0.0034% | 6,820 |
| Credit loss provision to net charge-offs | -1,788.8889% | 7,169 |
| Earnings coverage of net charge-offs (x) | 1,708.6455% | 7 |
| Efficiency ratio | 40.3820% | 7,504 |
| Assets per employee ($millions) | 123.6890% | 17 |
| Cash dividends to net income (ytd only)* | 399.4376% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 5,350 |
| Loan loss allowance to noncurrent loans | 214.1359% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4733% | 6,098 |
| Noncurrent loans to loans | 0.5763% | 5,901 |
| Net loans and leases to total assets | 80.9854% | 543 |
| Net loans and leases to deposits | 114.0544% | 173 |
| Net loans and leases to core deposits | 2,696.9007% | 20 |
| Total domestic deposits to total assets | 71.0059% | 7,169 |
| Equity capital to assets | 23.7678% | 139 |
| Core capital (leverage) ratio | 21.2084% | 191 |
| Tier 1 risk-based capital ratio | 19.8009% | 1,526 |
| Total risk-based capital ratio | 20.8188% | 1,548 |
| Memoranda: | ||
| Average total assets | $8,397,560,400 | 128 |
| Average earning assets | $7,374,420,000 | 130 |
| Average equity | $2,044,030,200 | 65 |
| Average total loans | $5,626,940,800 | 113 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9372% | 1,059 |
| Cost of funding earning assets | 2.4804% | 152 |
| Net interest margin | 3.4568% | 5,465 |
| Noninterest income to average assets | 3.8095% | 180 |
| Noninterest expense to average assets | 2.7213% | 4,792 |
| Loan and lease loss provision to assets | -0.0315% | 7,684 |
| Net operating income to assets | 2.5460% | 128 |
| Return on assets (ROA) | 2.5460% | 136 |
| Pretax return on assets | 4.1355% | 70 |
| Return on Equity (ROE) | 10.4063% | 1,973 |
| Retained earnings to average equity (ytd only) | -36.1104% | 7,458 |
| Net charge-offs to loans | 0.0001% | 6,670 |
| Credit loss provision to net charge-offs | -40,720.0000% | 7,219 |
| Earnings coverage of net charge-offs (x) | 52,980.1844% | 1 |
| Efficiency ratio | 39.8709% | 7,587 |
| Assets per employee ($millions) | 81.2154% | 25 |
| Cash dividends to net income (ytd only)* | 447.0042% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 4,031 |
| Loan loss allowance to noncurrent loans | 471.4960% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 6,830 |
| Noncurrent loans to loans | 0.3151% | 6,566 |
| Net loans and leases to total assets | 66.9294% | 3,477 |
| Net loans and leases to deposits | 93.5976% | 1,247 |
| Net loans and leases to core deposits | 3,187.3842% | 19 |
| Total domestic deposits to total assets | 71.5076% | 7,181 |
| Equity capital to assets | 23.6704% | 151 |
| Core capital (leverage) ratio | 20.2892% | 237 |
| Tier 1 risk-based capital ratio | 21.8730% | 1,226 |
| Total risk-based capital ratio | 23.0025% | 1,222 |
| Memoranda: | ||
| Average total assets | $8,610,693,750 | 123 |
| Average earning assets | $7,512,036,750 | 127 |
| Average equity | $2,106,715,750 | 61 |
| Average total loans | $5,486,997,000 | 114 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8119% | 1,396 |
| Cost of funding earning assets | 2.4671% | 196 |
| Net interest margin | 3.3448% | 5,850 |
| Noninterest income to average assets | 3.7161% | 180 |
| Noninterest expense to average assets | 2.6863% | 4,965 |
| Loan and lease loss provision to assets | -0.0155% | 7,746 |
| Net operating income to assets | 2.4340% | 152 |
| Return on assets (ROA) | 2.4340% | 158 |
| Pretax return on assets | 3.9595% | 74 |
| Return on Equity (ROE) | 9.8559% | 2,153 |
| Retained earnings to average equity (ytd only) | -56.9564% | 7,640 |
| Net charge-offs to loans | -0.0004% | 7,060 |
| Credit loss provision to net charge-offs | 5,750.0000% | 68 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5157% | 7,635 |
| Assets per employee ($millions) | 80.2780% | 22 |
| Cash dividends to net income (ytd only)* | 677.8942% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5217% | 3,811 |
| Loan loss allowance to noncurrent loans | 286.2510% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 6,558 |
| Noncurrent loans to loans | 0.5316% | 6,191 |
| Net loans and leases to total assets | 63.8811% | 4,290 |
| Net loans and leases to deposits | 87.0508% | 2,326 |
| Net loans and leases to core deposits | 4,089.2185% | 19 |
| Total domestic deposits to total assets | 73.3836% | 7,054 |
| Equity capital to assets | 22.0469% | 199 |
| Core capital (leverage) ratio | 17.0899% | 429 |
| Tier 1 risk-based capital ratio | 20.8745% | 1,360 |
| Total risk-based capital ratio | 22.0295% | 1,352 |
| Memoranda: | ||
| Average total assets | $8,909,103,000 | 120 |
| Average earning assets | $7,762,044,330 | 122 |
| Average equity | $2,200,194,330 | 60 |
| Average total loans | $5,568,732,670 | 114 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7438% | 1,630 |
| Cost of funding earning assets | 2.4411% | 266 |
| Net interest margin | 3.3026% | 5,964 |
| Noninterest income to average assets | 2.6970% | 234 |
| Noninterest expense to average assets | 2.7728% | 4,595 |
| Loan and lease loss provision to assets | 0.0736% | 5,902 |
| Net operating income to assets | 1.7011% | 616 |
| Return on assets (ROA) | 1.7011% | 668 |
| Pretax return on assets | 2.7298% | 177 |
| Return on Equity (ROE) | 6.5849% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.5849% | 2,325 |
| Net charge-offs to loans | -0.0035% | 6,787 |
| Credit loss provision to net charge-offs | -3,374.5098% | 6,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7257% | 7,336 |
| Assets per employee ($millions) | 94.6948% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 4,154 |
| Loan loss allowance to noncurrent loans | 1,038.5202% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 7,271 |
| Noncurrent loans to loans | 0.1401% | 7,057 |
| Net loans and leases to total assets | 60.2283% | 5,085 |
| Net loans and leases to deposits | 87.2036% | 2,372 |
| Net loans and leases to core deposits | 4,107.1204% | 25 |
| Total domestic deposits to total assets | 69.0664% | 7,470 |
| Equity capital to assets | 26.5151% | 121 |
| Core capital (leverage) ratio | 23.5992% | 160 |
| Tier 1 risk-based capital ratio | 25.7110% | 796 |
| Total risk-based capital ratio | 26.7194% | 794 |
| Memoranda: | ||
| Average total assets | $9,349,752,500 | 115 |
| Average earning assets | $8,151,035,500 | 114 |
| Average equity | $2,415,350,000 | 57 |
| Average total loans | $5,749,355,000 | 110 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4838% | 695 |
| Cost of funding earning assets | 3.4629% | 49 |
| Net interest margin | 3.0209% | 6,592 |
| Noninterest income to average assets | 5.2147% | 137 |
| Noninterest expense to average assets | 4.5533% | 754 |
| Loan and lease loss provision to assets | 0.2569% | 5,338 |
| Net operating income to assets | 1.7549% | 394 |
| Return on assets (ROA) | 0.5823% | 3,472 |
| Pretax return on assets | 1.6763% | 824 |
| Return on Equity (ROE) | 2.7273% | 4,616 |
| Retained earnings to average equity (ytd only) | 2.7273% | 3,247 |
| Net charge-offs to loans | 1.8996% | 1,303 |
| Credit loss provision to net charge-offs | 18.7779% | 6,941 |
| Earnings coverage of net charge-offs (x) | 2.2699% | 4,023 |
| Efficiency ratio | 59.4483% | 6,565 |
| Assets per employee ($millions) | 103.4142% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 4,441 |
| Loan loss allowance to noncurrent loans | 444.0647% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 6,973 |
| Noncurrent loans to loans | 0.3058% | 6,666 |
| Net loans and leases to total assets | 61.0137% | 5,190 |
| Net loans and leases to deposits | 87.8562% | 2,582 |
| Net loans and leases to core deposits | 94.1062% | 4,662 |
| Total domestic deposits to total assets | 69.4472% | 7,465 |
| Equity capital to assets | 25.1751% | 161 |
| Core capital (leverage) ratio | 21.7772% | 215 |
| Tier 1 risk-based capital ratio | 23.5973% | 985 |
| Total risk-based capital ratio | 24.5277% | 992 |
| Memoranda: | ||
| Average total assets | $10,748,472,800 | 101 |
| Average earning assets | $8,697,533,000 | 107 |
| Average equity | $2,294,696,200 | 57 |
| Average total loans | $7,742,119,400 | 94 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2884% | 65 |
| Cost of funding earning assets | 3.4722% | 78 |
| Net interest margin | 4.8162% | 665 |
| Noninterest income to average assets | 5.5891% | 128 |
| Noninterest expense to average assets | 5.4526% | 380 |
| Loan and lease loss provision to assets | 1.6734% | 1,116 |
| Net operating income to assets | 1.4119% | 998 |
| Return on assets (ROA) | 1.4119% | 1,066 |
| Pretax return on assets | 2.3013% | 289 |
| Return on Equity (ROE) | 6.8785% | 3,132 |
| Retained earnings to average equity (ytd only) | 6.8785% | 1,559 |
| Net charge-offs to loans | 1.8806% | 1,071 |
| Credit loss provision to net charge-offs | 119.8924% | 4,237 |
| Earnings coverage of net charge-offs (x) | 2.8476% | 3,800 |
| Efficiency ratio | 57.8385% | 6,738 |
| Assets per employee ($millions) | 123.2387% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1066% | 1,589 |
| Loan loss allowance to noncurrent loans | 138.7671% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 4,816 |
| Noncurrent loans to loans | 1.5181% | 4,379 |
| Net loans and leases to total assets | 72.2217% | 2,977 |
| Net loans and leases to deposits | 104.1570% | 759 |
| Net loans and leases to core deposits | 110.4016% | 3,191 |
| Total domestic deposits to total assets | 69.3392% | 7,465 |
| Equity capital to assets | 24.3091% | 187 |
| Core capital (leverage) ratio | 20.8432% | 270 |
| Tier 1 risk-based capital ratio | 21.2677% | 1,332 |
| Total risk-based capital ratio | 22.5220% | 1,307 |
| Memoranda: | ||
| Average total assets | $11,057,063,500 | 103 |
| Average earning assets | $8,811,790,000 | 112 |
| Average equity | $2,269,574,500 | 59 |
| Average total loans | $8,206,446,500 | 93 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5789% | 59 |
| Cost of funding earning assets | 3.9190% | 24 |
| Net interest margin | 4.6598% | 857 |
| Noninterest income to average assets | 5.5988% | 124 |
| Noninterest expense to average assets | 5.2537% | 438 |
| Loan and lease loss provision to assets | 1.7568% | 950 |
| Net operating income to assets | 1.3740% | 1,078 |
| Return on assets (ROA) | 1.3740% | 1,147 |
| Pretax return on assets | 2.3039% | 296 |
| Return on Equity (ROE) | 7.0675% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.0675% | 1,556 |
| Net charge-offs to loans | 1.8941% | 989 |
| Credit loss provision to net charge-offs | 124.7567% | 3,728 |
| Earnings coverage of net charge-offs (x) | 2.8836% | 3,658 |
| Efficiency ratio | 56.4035% | 7,068 |
| Assets per employee ($millions) | 56.4905% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9666% | 1,642 |
| Loan loss allowance to noncurrent loans | 188.6974% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7524% | 5,524 |
| Noncurrent loans to loans | 1.0422% | 5,132 |
| Net loans and leases to total assets | 70.4500% | 3,595 |
| Net loans and leases to deposits | 97.3602% | 1,620 |
| Net loans and leases to core deposits | 102.3605% | 4,254 |
| Total domestic deposits to total assets | 72.3602% | 7,204 |
| Equity capital to assets | 22.0886% | 282 |
| Core capital (leverage) ratio | 18.0678% | 507 |
| Tier 1 risk-based capital ratio | 18.2849% | 1,937 |
| Total risk-based capital ratio | 19.5372% | 1,886 |
| Memoranda: | ||
| Average total assets | $11,456,386,000 | 104 |
| Average earning assets | $9,135,031,330 | 112 |
| Average equity | $2,227,213,000 | 61 |
| Average total loans | $8,517,385,000 | 93 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8956% | 105 |
| Cost of funding earning assets | 3.9180% | 37 |
| Net interest margin | 3.9776% | 2,741 |
| Noninterest income to average assets | 4.2282% | 158 |
| Noninterest expense to average assets | 4.1192% | 1,042 |
| Loan and lease loss provision to assets | 1.2162% | 1,064 |
| Net operating income to assets | 1.2516% | 1,502 |
| Return on assets (ROA) | 1.2516% | 1,606 |
| Pretax return on assets | 2.0660% | 579 |
| Return on Equity (ROE) | 6.8592% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.8592% | 2,257 |
| Net charge-offs to loans | 1.4429% | 994 |
| Credit loss provision to net charge-offs | 111.6841% | 3,461 |
| Earnings coverage of net charge-offs (x) | 3.0142% | 3,302 |
| Efficiency ratio | 55.6543% | 7,010 |
| Assets per employee ($millions) | 58.1425% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9974% | 1,427 |
| Loan loss allowance to noncurrent loans | 76.0562% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.8648% | 3,123 |
| Noncurrent loans to loans | 2.6262% | 2,505 |
| Net loans and leases to total assets | 69.2029% | 3,870 |
| Net loans and leases to deposits | 89.7665% | 2,967 |
| Net loans and leases to core deposits | 93.6632% | 5,189 |
| Total domestic deposits to total assets | 77.0922% | 6,253 |
| Equity capital to assets | 20.1144% | 412 |
| Core capital (leverage) ratio | 18.1519% | 540 |
| Tier 1 risk-based capital ratio | 19.0891% | 1,794 |
| Total risk-based capital ratio | 20.3418% | 1,756 |
| Memoranda: | ||
| Average total assets | $11,846,227,000 | 105 |
| Average earning assets | $9,450,467,500 | 109 |
| Average equity | $2,161,652,000 | 61 |
| Average total loans | $8,939,762,000 | 91 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2516% | 138 |
| Cost of funding earning assets | 3.3722% | 754 |
| Net interest margin | 4.8794% | 655 |
| Noninterest income to average assets | 10.8938% | 73 |
| Noninterest expense to average assets | 5.8197% | 435 |
| Loan and lease loss provision to assets | 2.1333% | 539 |
| Net operating income to assets | 4.5547% | 37 |
| Return on assets (ROA) | 4.5547% | 38 |
| Pretax return on assets | 7.2296% | 34 |
| Return on Equity (ROE) | 21.3725% | 285 |
| Retained earnings to average equity (ytd only) | 21.3725% | 23 |
| Net charge-offs to loans | 1.9530% | 559 |
| Credit loss provision to net charge-offs | 128.1265% | 4,160 |
| Earnings coverage of net charge-offs (x) | 5.6234% | 3,581 |
| Efficiency ratio | 38.3315% | 8,155 |
| Assets per employee ($millions) | 63.4388% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 2,398 |
| Loan loss allowance to noncurrent loans | 191.4830% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 5,262 |
| Noncurrent loans to loans | 0.8149% | 5,010 |
| Net loans and leases to total assets | 78.8016% | 1,932 |
| Net loans and leases to deposits | 98.0812% | 2,117 |
| Net loans and leases to core deposits | 101.1589% | 4,708 |
| Total domestic deposits to total assets | 80.3433% | 4,893 |
| Equity capital to assets | 16.4832% | 843 |
| Core capital (leverage) ratio | 14.8408% | 1,068 |
| Tier 1 risk-based capital ratio | 16.2404% | 2,569 |
| Total risk-based capital ratio | 17.4914% | 2,506 |
| Memoranda: | ||
| Average total assets | $7,060,183,800 | 145 |
| Average earning assets | $6,205,767,000 | 145 |
| Average equity | $1,504,600,200 | 75 |
| Average total loans | $6,018,873,400 | 120 |