Home > Metlife Bank > Performance and Condition Ratios
Metlife Bank, Performance and Condition Ratios
| 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 | 2.4313% | 6,950 |
| Cost of funding earning assets | 2.0289% | 26 |
| Net interest margin | 0.4024% | 7,056 |
| Noninterest income to average assets | 0.9237% | 1,790 |
| Noninterest expense to average assets | 7.0628% | 144 |
| Loan and lease loss provision to assets | 0.0364% | 5,432 |
| Net operating income to assets | -3.7338% | 7,036 |
| Return on assets (ROA) | -3.2436% | 7,025 |
| Pretax return on assets | -5.0441% | 7,059 |
| Return on Equity (ROE) | -42.0142% | 7,002 |
| Retained earnings to average equity (ytd only) | -42.0142% | 6,994 |
| Net charge-offs to loans | 0.0967% | 4,696 |
| Credit loss provision to net charge-offs | 84.1995% | 3,690 |
| Earnings coverage of net charge-offs (x) | -133.5626% | 5,980 |
| Efficiency ratio | 546.9916% | 8 |
| Assets per employee ($millions) | 10.3314% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 5.2426% | 728 |
| Noncurrent loans to loans | 75.4528% | 3 |
| Net loans and leases to total assets | 5.3832% | 7,027 |
| Net loans and leases to deposits | 6.5706% | 7,033 |
| Net loans and leases to core deposits | 7.9258% | 7,022 |
| Total domestic deposits to total assets | 81.9285% | 5,127 |
| Equity capital to assets | 11.8106% | 2,176 |
| Core capital (leverage) ratio | 9.1384% | 4,679 |
| Tier 1 risk-based capital ratio | 87.4939% | 56 |
| Total risk-based capital ratio | 87.5156% | 56 |
| Memoranda: | ||
| Average total assets | $15,402,042,400 | 74 |
| Average earning assets | $13,986,734,200 | 75 |
| Average equity | $1,189,057,600 | 115 |
| Average total loans | $6,887,552,200 | 103 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7749% | 6,982 |
| Cost of funding earning assets | 2.2477% | 11 |
| Net interest margin | 0.5271% | 7,160 |
| Noninterest income to average assets | 0.9914% | 1,527 |
| Noninterest expense to average assets | 6.5110% | 172 |
| Loan and lease loss provision to assets | 0.0432% | 5,235 |
| Net operating income to assets | -3.2493% | 7,120 |
| Return on assets (ROA) | -2.6673% | 7,101 |
| Pretax return on assets | -4.1722% | 7,146 |
| Return on Equity (ROE) | -36.7541% | 7,092 |
| Retained earnings to average equity (ytd only) | -36.7541% | 7,085 |
| Net charge-offs to loans | 0.1044% | 4,349 |
| Credit loss provision to net charge-offs | 84.2145% | 3,494 |
| Earnings coverage of net charge-offs (x) | -98.1610% | 5,764 |
| Efficiency ratio | 441.2626% | 9 |
| Assets per employee ($millions) | 10.3379% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0001% | 7,120 |
| Loan loss allowance to noncurrent loans | 0.0001% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 12.2721% | 154 |
| Noncurrent loans to loans | 81.9811% | 3 |
| Net loans and leases to total assets | 13.7510% | 7,090 |
| Net loans and leases to deposits | 18.1317% | 7,089 |
| Net loans and leases to core deposits | 22.2291% | 7,062 |
| Total domestic deposits to total assets | 75.8393% | 6,405 |
| Equity capital to assets | 12.3020% | 2,041 |
| Core capital (leverage) ratio | 11.0790% | 2,314 |
| Tier 1 risk-based capital ratio | 59.6808% | 97 |
| Total risk-based capital ratio | 59.6959% | 100 |
| Memoranda: | ||
| Average total assets | $17,294,754,000 | 67 |
| Average earning assets | $15,787,847,000 | 67 |
| Average equity | $1,255,093,250 | 112 |
| Average total loans | $8,504,048,250 | 86 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3587% | 6,767 |
| Cost of funding earning assets | 2.6305% | 6 |
| Net interest margin | 0.7282% | 7,219 |
| Noninterest income to average assets | 1.2180% | 965 |
| Noninterest expense to average assets | 7.1436% | 141 |
| Loan and lease loss provision to assets | 0.0555% | 4,967 |
| Net operating income to assets | -3.4024% | 7,171 |
| Return on assets (ROA) | -2.6548% | 7,141 |
| Pretax return on assets | -4.1424% | 7,193 |
| Return on Equity (ROE) | -40.5823% | 7,147 |
| Retained earnings to average equity (ytd only) | -40.5823% | 7,141 |
| Net charge-offs to loans | 0.1217% | 3,954 |
| Credit loss provision to net charge-offs | 84.2445% | 3,203 |
| Earnings coverage of net charge-offs (x) | -79.7017% | 5,498 |
| Efficiency ratio | 377.3560% | 12 |
| Assets per employee ($millions) | 5.8285% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0001% | 7,186 |
| Loan loss allowance to noncurrent loans | 0.0002% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 11.3205% | 206 |
| Noncurrent loans to loans | 55.6163% | 2 |
| Net loans and leases to total assets | 18.5746% | 7,100 |
| Net loans and leases to deposits | 25.5764% | 7,074 |
| Net loans and leases to core deposits | 32.0318% | 6,990 |
| Total domestic deposits to total assets | 72.6240% | 6,771 |
| Equity capital to assets | 11.9633% | 2,178 |
| Core capital (leverage) ratio | 5.6375% | 7,018 |
| Tier 1 risk-based capital ratio | 39.7411% | 234 |
| Total risk-based capital ratio | 39.7490% | 256 |
| Memoranda: | ||
| Average total assets | $20,196,081,000 | 62 |
| Average earning assets | $18,598,492,670 | 60 |
| Average equity | $1,321,177,330 | 106 |
| Average total loans | $10,944,959,670 | 69 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1992% | 6,945 |
| Cost of funding earning assets | 2.2037% | 23 |
| Net interest margin | 0.9955% | 7,271 |
| Noninterest income to average assets | 2.5226% | 299 |
| Noninterest expense to average assets | 5.5845% | 253 |
| Loan and lease loss provision to assets | 0.0013% | 5,243 |
| Net operating income to assets | -1.3391% | 7,063 |
| Return on assets (ROA) | -0.2369% | 6,713 |
| Pretax return on assets | -0.4098% | 6,788 |
| Return on Equity (ROE) | -4.2721% | 6,826 |
| Retained earnings to average equity (ytd only) | -4.2721% | 6,529 |
| Net charge-offs to loans | 0.0026% | 4,712 |
| Credit loss provision to net charge-offs | 86.0000% | 2,625 |
| Earnings coverage of net charge-offs (x) | -1,363.1000% | 4,729 |
| Efficiency ratio | 161.5527% | 79 |
| Assets per employee ($millions) | 6.2726% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0079% | 7,243 |
| Loan loss allowance to noncurrent loans | 0.1011% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 4.3155% | 1,255 |
| Noncurrent loans to loans | 7.8094% | 503 |
| Net loans and leases to total assets | 51.1727% | 5,124 |
| Net loans and leases to deposits | 125.3502% | 55 |
| Net loans and leases to core deposits | 146.2597% | 121 |
| Total domestic deposits to total assets | 40.8238% | 7,259 |
| Equity capital to assets | 5.3639% | 7,115 |
| Core capital (leverage) ratio | 5.2147% | 7,100 |
| Tier 1 risk-based capital ratio | 21.2898% | 1,428 |
| Total risk-based capital ratio | 21.3094% | 1,669 |
| Memoranda: | ||
| Average total assets | $25,590,529,500 | 53 |
| Average earning assets | $23,939,459,500 | 49 |
| Average equity | $1,419,062,000 | 95 |
| Average total loans | $15,543,765,500 | 50 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 3,778 |
| Cost of funding earning assets | 2.8852% | 10 |
| Net interest margin | 1.9222% | 7,237 |
| Noninterest income to average assets | 3.9065% | 161 |
| Noninterest expense to average assets | 6.2644% | 186 |
| Loan and lease loss provision to assets | 0.0032% | 6,475 |
| Net operating income to assets | -0.3524% | 6,382 |
| Return on assets (ROA) | -0.9316% | 6,740 |
| Pretax return on assets | -1.5279% | 6,904 |
| Return on Equity (ROE) | -12.9804% | 6,837 |
| Retained earnings to average equity (ytd only) | -13.0850% | 6,814 |
| Net charge-offs to loans | 0.4559% | 3,158 |
| Credit loss provision to net charge-offs | 1.2776% | 6,060 |
| Earnings coverage of net charge-offs (x) | -2.4994% | 6,301 |
| Efficiency ratio | 104.5718% | 554 |
| Assets per employee ($millions) | 4.5390% | 2,848 |
| Cash dividends to net income (ytd only)* | -0.8061% | 7,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0059% | 7,292 |
| Loan loss allowance to noncurrent loans | 0.1066% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 4.1232% | 1,385 |
| Noncurrent loans to loans | 5.4981% | 961 |
| Net loans and leases to total assets | 70.3574% | 1,959 |
| Net loans and leases to deposits | 170.8368% | 22 |
| Net loans and leases to core deposits | 199.5302% | 63 |
| Total domestic deposits to total assets | 41.1840% | 7,305 |
| Equity capital to assets | 5.7278% | 7,113 |
| Core capital (leverage) ratio | 5.2705% | 7,117 |
| Tier 1 risk-based capital ratio | 12.5417% | 5,413 |
| Total risk-based capital ratio | 12.5538% | 6,268 |
| Memoranda: | ||
| Average total assets | $18,309,608,000 | 65 |
| Average earning assets | $16,556,111,400 | 67 |
| Average equity | $1,314,136,200 | 101 |
| Average total loans | $9,957,275,800 | 71 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4104% | 7,134 |
| Cost of funding earning assets | 1.3537% | 1,437 |
| Net interest margin | 2.0567% | 7,292 |
| Noninterest income to average assets | 4.0433% | 154 |
| Noninterest expense to average assets | 6.6199% | 157 |
| Loan and lease loss provision to assets | -0.0714% | 7,347 |
| Net operating income to assets | -0.4006% | 6,584 |
| Return on assets (ROA) | -0.4691% | 6,667 |
| Pretax return on assets | -0.7763% | 6,773 |
| Return on Equity (ROE) | -6.0625% | 6,721 |
| Retained earnings to average equity (ytd only) | -6.2060% | 6,658 |
| Net charge-offs to loans | 0.0646% | 5,319 |
| Credit loss provision to net charge-offs | -229.2715% | 6,593 |
| Earnings coverage of net charge-offs (x) | -23.7791% | 6,155 |
| Efficiency ratio | 103.5441% | 565 |
| Assets per employee ($millions) | 3.1151% | 5,870 |
| Cash dividends to net income (ytd only)* | -2.3674% | 7,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5546% | 7,129 |
| Loan loss allowance to noncurrent loans | 6.1823% | 6,932 |
| Noncurrent assets plus other real estate owned to assets | 5.1677% | 1,112 |
| Noncurrent loans to loans | 8.9710% | 435 |
| Net loans and leases to total assets | 53.6446% | 5,221 |
| Net loans and leases to deposits | 88.6096% | 1,365 |
| Net loans and leases to core deposits | 103.5014% | 1,008 |
| Total domestic deposits to total assets | 60.5404% | 7,292 |
| Equity capital to assets | 7.3157% | 6,979 |
| Core capital (leverage) ratio | 7.1939% | 6,902 |
| Tier 1 risk-based capital ratio | 14.1281% | 4,255 |
| Total risk-based capital ratio | 14.7445% | 4,708 |
| Memoranda: | ||
| Average total assets | $16,508,605,000 | 70 |
| Average earning assets | $14,736,451,500 | 71 |
| Average equity | $1,277,330,000 | 104 |
| Average total loans | $7,958,653,500 | 88 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4634% | 7,180 |
| Cost of funding earning assets | 1.3295% | 1,760 |
| Net interest margin | 2.1339% | 7,335 |
| Noninterest income to average assets | 4.1856% | 162 |
| Noninterest expense to average assets | 5.7284% | 235 |
| Loan and lease loss provision to assets | 0.0350% | 5,877 |
| Net operating income to assets | 0.1987% | 5,744 |
| Return on assets (ROA) | 0.1468% | 5,988 |
| Pretax return on assets | 0.2389% | 5,837 |
| Return on Equity (ROE) | 1.8600% | 5,840 |
| Retained earnings to average equity (ytd only) | 1.6439% | 5,171 |
| Net charge-offs to loans | 0.0471% | 5,194 |
| Credit loss provision to net charge-offs | 160.9018% | 1,883 |
| Earnings coverage of net charge-offs (x) | 16.3402% | 1,348 |
| Efficiency ratio | 94.0420% | 974 |
| Assets per employee ($millions) | 3.1891% | 5,662 |
| Cash dividends to net income (ytd only)* | 11.6171% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 6,804 |
| Loan loss allowance to noncurrent loans | 8.6169% | 6,968 |
| Noncurrent assets plus other real estate owned to assets | 5.0325% | 1,216 |
| Noncurrent loans to loans | 9.7095% | 404 |
| Net loans and leases to total assets | 47.8479% | 6,068 |
| Net loans and leases to deposits | 78.7342% | 3,004 |
| Net loans and leases to core deposits | 115.2877% | 532 |
| Total domestic deposits to total assets | 60.7714% | 7,370 |
| Equity capital to assets | 7.7935% | 6,811 |
| Core capital (leverage) ratio | 7.3758% | 6,827 |
| Tier 1 risk-based capital ratio | 14.1749% | 4,039 |
| Total risk-based capital ratio | 15.0267% | 4,294 |
| Memoranda: | ||
| Average total assets | $16,128,068,330 | 73 |
| Average earning assets | $14,343,960,000 | 74 |
| Average equity | $1,272,693,330 | 106 |
| Average total loans | $7,437,808,000 | 93 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4913% | 7,211 |
| Cost of funding earning assets | 1.2804% | 2,304 |
| Net interest margin | 2.2110% | 7,351 |
| Noninterest income to average assets | 3.8627% | 172 |
| Noninterest expense to average assets | 5.4292% | 272 |
| Loan and lease loss provision to assets | -0.0590% | 7,477 |
| Net operating income to assets | 0.2852% | 5,484 |
| Return on assets (ROA) | 0.1928% | 5,866 |
| Pretax return on assets | 0.3175% | 5,607 |
| Return on Equity (ROE) | 2.4276% | 5,626 |
| Retained earnings to average equity (ytd only) | 2.4276% | 4,695 |
| Net charge-offs to loans | 0.0756% | 4,184 |
| Credit loss provision to net charge-offs | -173.5988% | 5,802 |
| Earnings coverage of net charge-offs (x) | 11.8429% | 1,528 |
| Efficiency ratio | 93.0931% | 1,094 |
| Assets per employee ($millions) | 3.1261% | 5,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 6,697 |
| Loan loss allowance to noncurrent loans | 8.8727% | 7,025 |
| Noncurrent assets plus other real estate owned to assets | 4.7874% | 1,330 |
| Noncurrent loans to loans | 10.1478% | 393 |
| Net loans and leases to total assets | 43.6457% | 6,493 |
| Net loans and leases to deposits | 73.0332% | 3,916 |
| Net loans and leases to core deposits | 110.7083% | 689 |
| Total domestic deposits to total assets | 59.7614% | 7,436 |
| Equity capital to assets | 8.1982% | 6,280 |
| Core capital (leverage) ratio | 7.4304% | 6,771 |
| Tier 1 risk-based capital ratio | 14.6847% | 3,623 |
| Total risk-based capital ratio | 15.5072% | 3,863 |
| Memoranda: | ||
| Average total assets | $15,946,707,500 | 73 |
| Average earning assets | $14,203,792,000 | 75 |
| Average equity | $1,266,435,000 | 107 |
| Average total loans | $7,178,177,000 | 96 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5026% | 7,385 |
| Cost of funding earning assets | 1.4935% | 2,687 |
| Net interest margin | 2.0092% | 7,455 |
| Noninterest income to average assets | 6.0520% | 110 |
| Noninterest expense to average assets | 5.2928% | 341 |
| Loan and lease loss provision to assets | 0.1200% | 5,956 |
| Net operating income to assets | 1.5293% | 716 |
| Return on assets (ROA) | 1.4530% | 916 |
| Pretax return on assets | 2.3043% | 250 |
| Return on Equity (ROE) | 20.0326% | 252 |
| Retained earnings to average equity (ytd only) | 20.0326% | 58 |
| Net charge-offs to loans | 0.7275% | 2,834 |
| Credit loss provision to net charge-offs | 39.5794% | 6,395 |
| Earnings coverage of net charge-offs (x) | 8.3875% | 1,977 |
| Efficiency ratio | 67.5409% | 4,662 |
| Assets per employee ($millions) | 3.4446% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 6,791 |
| Loan loss allowance to noncurrent loans | 10.2979% | 7,086 |
| Noncurrent assets plus other real estate owned to assets | 4.1500% | 1,613 |
| Noncurrent loans to loans | 8.4894% | 581 |
| Net loans and leases to total assets | 45.5399% | 6,597 |
| Net loans and leases to deposits | 71.9956% | 4,517 |
| Net loans and leases to core deposits | 106.2489% | 1,178 |
| Total domestic deposits to total assets | 63.2537% | 7,457 |
| Equity capital to assets | 7.6966% | 6,753 |
| Core capital (leverage) ratio | 7.1416% | 6,946 |
| Tier 1 risk-based capital ratio | 14.1647% | 3,761 |
| Total risk-based capital ratio | 14.9969% | 4,003 |
| Memoranda: | ||
| Average total assets | $15,022,937,200 | 74 |
| Average earning assets | $13,342,577,800 | 76 |
| Average equity | $1,089,626,200 | 117 |
| Average total loans | $6,262,668,000 | 107 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4525% | 7,545 |
| Cost of funding earning assets | 1.5163% | 2,870 |
| Net interest margin | 1.9363% | 7,594 |
| Noninterest income to average assets | 6.0923% | 114 |
| Noninterest expense to average assets | 4.9383% | 400 |
| Loan and lease loss provision to assets | 0.1296% | 5,733 |
| Net operating income to assets | 1.6702% | 654 |
| Return on assets (ROA) | 1.5809% | 845 |
| Pretax return on assets | 2.6015% | 197 |
| Return on Equity (ROE) | 22.1721% | 191 |
| Retained earnings to average equity (ytd only) | 22.1721% | 56 |
| Net charge-offs to loans | 1.0104% | 1,990 |
| Credit loss provision to net charge-offs | 31.6685% | 6,133 |
| Earnings coverage of net charge-offs (x) | 7.0137% | 2,402 |
| Efficiency ratio | 63.2386% | 5,397 |
| Assets per employee ($millions) | 4.0588% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 6,636 |
| Loan loss allowance to noncurrent loans | 11.8810% | 7,146 |
| Noncurrent assets plus other real estate owned to assets | 3.9638% | 1,770 |
| Noncurrent loans to loans | 7.8590% | 670 |
| Net loans and leases to total assets | 39.8088% | 7,085 |
| Net loans and leases to deposits | 70.4809% | 5,077 |
| Net loans and leases to core deposits | 96.4136% | 2,209 |
| Total domestic deposits to total assets | 56.4817% | 7,636 |
| Equity capital to assets | 7.0918% | 7,308 |
| Core capital (leverage) ratio | 7.2704% | 7,024 |
| Tier 1 risk-based capital ratio | 13.5416% | 4,167 |
| Total risk-based capital ratio | 14.3416% | 4,478 |
| Memoranda: | ||
| Average total assets | $14,701,178,000 | 74 |
| Average earning assets | $13,034,191,750 | 76 |
| Average equity | $1,048,205,000 | 117 |
| Average total loans | $5,955,071,750 | 109 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 7,596 |
| Cost of funding earning assets | 1.5935% | 2,694 |
| Net interest margin | 1.9602% | 7,650 |
| Noninterest income to average assets | 5.4741% | 125 |
| Noninterest expense to average assets | 4.9259% | 400 |
| Loan and lease loss provision to assets | 0.0560% | 6,399 |
| Net operating income to assets | 1.3518% | 1,188 |
| Return on assets (ROA) | 1.2677% | 1,453 |
| Pretax return on assets | 2.0953% | 494 |
| Return on Equity (ROE) | 17.7422% | 490 |
| Retained earnings to average equity (ytd only) | 17.7422% | 134 |
| Net charge-offs to loans | 0.8935% | 2,051 |
| Credit loss provision to net charge-offs | 15.4189% | 5,889 |
| Earnings coverage of net charge-offs (x) | 6.2725% | 2,489 |
| Efficiency ratio | 68.3848% | 4,503 |
| Assets per employee ($millions) | 3.8653% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 5,623 |
| Loan loss allowance to noncurrent loans | 16.5096% | 7,091 |
| Noncurrent assets plus other real estate owned to assets | 3.7864% | 1,843 |
| Noncurrent loans to loans | 7.0622% | 802 |
| Net loans and leases to total assets | 41.6116% | 7,059 |
| Net loans and leases to deposits | 61.8369% | 6,248 |
| Net loans and leases to core deposits | 86.7348% | 3,735 |
| Total domestic deposits to total assets | 67.2926% | 7,461 |
| Equity capital to assets | 7.3354% | 7,208 |
| Core capital (leverage) ratio | 7.3769% | 6,935 |
| Tier 1 risk-based capital ratio | 14.0313% | 3,710 |
| Total risk-based capital ratio | 15.0619% | 3,831 |
| Memoranda: | ||
| Average total assets | $14,076,216,330 | 77 |
| Average earning assets | $12,417,176,670 | 76 |
| Average equity | $1,005,759,330 | 116 |
| Average total loans | $5,719,786,330 | 112 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5846% | 7,683 |
| Cost of funding earning assets | 1.6637% | 2,578 |
| Net interest margin | 1.9209% | 7,745 |
| Noninterest income to average assets | 5.3917% | 135 |
| Noninterest expense to average assets | 4.7158% | 469 |
| Loan and lease loss provision to assets | 0.1247% | 5,332 |
| Net operating income to assets | 1.3592% | 1,168 |
| Return on assets (ROA) | 1.3195% | 1,331 |
| Pretax return on assets | 2.1785% | 441 |
| Return on Equity (ROE) | 18.7294% | 457 |
| Retained earnings to average equity (ytd only) | 18.7294% | 221 |
| Net charge-offs to loans | 1.7561% | 988 |
| Credit loss provision to net charge-offs | 17.8110% | 4,969 |
| Earnings coverage of net charge-offs (x) | 3.3767% | 2,925 |
| Efficiency ratio | 66.6111% | 4,985 |
| Assets per employee ($millions) | 3.6021% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 4,413 |
| Loan loss allowance to noncurrent loans | 21.0712% | 6,955 |
| Noncurrent assets plus other real estate owned to assets | 3.4027% | 2,084 |
| Noncurrent loans to loans | 6.6479% | 933 |
| Net loans and leases to total assets | 37.9233% | 7,350 |
| Net loans and leases to deposits | 51.3055% | 7,066 |
| Net loans and leases to core deposits | 71.8665% | 5,731 |
| Total domestic deposits to total assets | 73.9166% | 7,057 |
| Equity capital to assets | 7.5118% | 7,064 |
| Core capital (leverage) ratio | 7.0510% | 7,217 |
| Tier 1 risk-based capital ratio | 13.7289% | 3,844 |
| Total risk-based capital ratio | 14.8260% | 3,905 |
| Memoranda: | ||
| Average total assets | $13,839,798,500 | 76 |
| Average earning assets | $12,161,519,500 | 75 |
| Average equity | $975,023,000 | 117 |
| Average total loans | $5,516,920,000 | 114 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 7,652 |
| Cost of funding earning assets | 1.8411% | 3,778 |
| Net interest margin | 2.2541% | 7,618 |
| Noninterest income to average assets | 7.8581% | 88 |
| Noninterest expense to average assets | 6.2242% | 287 |
| Loan and lease loss provision to assets | 0.5728% | 3,512 |
| Net operating income to assets | 1.8532% | 320 |
| Return on assets (ROA) | 1.6536% | 514 |
| Pretax return on assets | 2.7169% | 124 |
| Return on Equity (ROE) | 32.7633% | 38 |
| Retained earnings to average equity (ytd only) | 32.7633% | 13 |
| Net charge-offs to loans | 0.2553% | 5,023 |
| Credit loss provision to net charge-offs | 495.6845% | 621 |
| Earnings coverage of net charge-offs (x) | 31.1184% | 740 |
| Efficiency ratio | 63.3821% | 5,893 |
| Assets per employee ($millions) | 3.5525% | 4,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 3,281 |
| Loan loss allowance to noncurrent loans | 28.9772% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 2.3030% | 3,003 |
| Noncurrent loans to loans | 5.5226% | 1,164 |
| Net loans and leases to total assets | 40.5509% | 7,322 |
| Net loans and leases to deposits | 56.0239% | 6,918 |
| Net loans and leases to core deposits | 79.0544% | 6,179 |
| Total domestic deposits to total assets | 72.3814% | 7,211 |
| Equity capital to assets | 6.5960% | 7,539 |
| Core capital (leverage) ratio | 6.6435% | 7,432 |
| Tier 1 risk-based capital ratio | 12.1607% | 4,810 |
| Total risk-based capital ratio | 13.4112% | 4,772 |
| Memoranda: | ||
| Average total assets | $13,395,197,800 | 81 |
| Average earning assets | $11,659,180,600 | 80 |
| Average equity | $676,079,400 | 146 |
| Average total loans | $6,063,371,200 | 110 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 7,731 |
| Cost of funding earning assets | 1.8582% | 4,107 |
| Net interest margin | 2.3305% | 7,618 |
| Noninterest income to average assets | 8.0552% | 89 |
| Noninterest expense to average assets | 6.1971% | 290 |
| Loan and lease loss provision to assets | 0.8377% | 2,289 |
| Net operating income to assets | 1.8616% | 393 |
| Return on assets (ROA) | 1.6713% | 632 |
| Pretax return on assets | 2.7494% | 138 |
| Return on Equity (ROE) | 36.0666% | 33 |
| Retained earnings to average equity (ytd only) | 36.0666% | 14 |
| Net charge-offs to loans | 0.2920% | 4,204 |
| Credit loss provision to net charge-offs | 619.0547% | 611 |
| Earnings coverage of net charge-offs (x) | 28.6630% | 962 |
| Efficiency ratio | 61.5060% | 6,193 |
| Assets per employee ($millions) | 3.3435% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8816% | 2,080 |
| Loan loss allowance to noncurrent loans | 107.6264% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 5,683 |
| Noncurrent loans to loans | 1.7483% | 3,999 |
| Net loans and leases to total assets | 40.2448% | 7,456 |
| Net loans and leases to deposits | 63.1639% | 6,575 |
| Net loans and leases to core deposits | 91.0601% | 5,327 |
| Total domestic deposits to total assets | 63.7148% | 7,776 |
| Equity capital to assets | 6.3040% | 7,804 |
| Core capital (leverage) ratio | 6.3693% | 7,716 |
| Tier 1 risk-based capital ratio | 12.6496% | 4,438 |
| Total risk-based capital ratio | 13.9029% | 4,385 |
| Memoranda: | ||
| Average total assets | $13,217,256,000 | 86 |
| Average earning assets | $11,459,013,750 | 84 |
| Average equity | $612,473,750 | 162 |
| Average total loans | $6,125,832,000 | 115 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2429% | 7,801 |
| Cost of funding earning assets | 1.8943% | 4,291 |
| Net interest margin | 2.3486% | 7,630 |
| Noninterest income to average assets | 8.1046% | 87 |
| Noninterest expense to average assets | 6.5504% | 262 |
| Loan and lease loss provision to assets | 0.8437% | 1,988 |
| Net operating income to assets | 1.7824% | 487 |
| Return on assets (ROA) | 1.6347% | 704 |
| Pretax return on assets | 2.5138% | 208 |
| Return on Equity (ROE) | 40.0503% | 30 |
| Retained earnings to average equity (ytd only) | 40.0503% | 18 |
| Net charge-offs to loans | 0.0232% | 6,169 |
| Credit loss provision to net charge-offs | 7,570.0542% | 66 |
| Earnings coverage of net charge-offs (x) | 321.0786% | 118 |
| Efficiency ratio | 64.6701% | 5,778 |
| Assets per employee ($millions) | 3.8801% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2072% | 4,885 |
| Loan loss allowance to noncurrent loans | 309.4016% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 7,043 |
| Noncurrent loans to loans | 0.3902% | 6,534 |
| Net loans and leases to total assets | 48.5841% | 6,985 |
| Net loans and leases to deposits | 91.1060% | 2,627 |
| Net loans and leases to core deposits | 118.1965% | 2,532 |
| Total domestic deposits to total assets | 53.3270% | 8,035 |
| Equity capital to assets | 4.8057% | 8,049 |
| Core capital (leverage) ratio | 6.2180% | 7,878 |
| Tier 1 risk-based capital ratio | 10.3864% | 6,494 |
| Total risk-based capital ratio | 11.5190% | 6,559 |
| Memoranda: | ||
| Average total assets | $13,243,050,670 | 91 |
| Average earning assets | $11,414,851,330 | 92 |
| Average equity | $540,519,670 | 179 |
| Average total loans | $6,371,268,670 | 115 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 7,784 |
| Cost of funding earning assets | 2.1394% | 3,467 |
| Net interest margin | 2.2811% | 7,734 |
| Noninterest income to average assets | 8.3288% | 77 |
| Noninterest expense to average assets | 6.4828% | 238 |
| Loan and lease loss provision to assets | 1.3447% | 952 |
| Net operating income to assets | 1.5780% | 813 |
| Return on assets (ROA) | 1.3096% | 1,454 |
| Pretax return on assets | 2.0123% | 656 |
| Return on Equity (ROE) | 35.7928% | 50 |
| Retained earnings to average equity (ytd only) | 35.7928% | 32 |
| Net charge-offs to loans | 0.0187% | 5,306 |
| Credit loss provision to net charge-offs | 15,169.7842% | 32 |
| Earnings coverage of net charge-offs (x) | 425.2878% | 79 |
| Efficiency ratio | 63.2304% | 5,828 |
| Assets per employee ($millions) | 4.3359% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 5,721 |
| Loan loss allowance to noncurrent loans | 356.1953% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 7,138 |
| Noncurrent loans to loans | 0.2987% | 6,694 |
| Net loans and leases to total assets | 46.2355% | 7,172 |
| Net loans and leases to deposits | 90.9563% | 2,783 |
| Net loans and leases to core deposits | 120.5390% | 2,372 |
| Total domestic deposits to total assets | 50.8326% | 8,093 |
| Equity capital to assets | 3.7639% | 8,174 |
| Core capital (leverage) ratio | 6.5605% | 7,855 |
| Tier 1 risk-based capital ratio | 10.3875% | 6,510 |
| Total risk-based capital ratio | 11.4010% | 6,669 |
| Memoranda: | ||
| Average total assets | $12,544,741,000 | 96 |
| Average earning assets | $10,580,148,500 | 103 |
| Average equity | $459,008,000 | 201 |
| Average total loans | $5,957,169,500 | 122 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6161% | 7,020 |
| Cost of funding earning assets | 3.1898% | 1,224 |
| Net interest margin | 2.4263% | 7,827 |
| Noninterest income to average assets | 1.1926% | 1,064 |
| Noninterest expense to average assets | 2.6844% | 5,328 |
| Loan and lease loss provision to assets | 0.1255% | 5,765 |
| Net operating income to assets | 0.4333% | 5,020 |
| Return on assets (ROA) | 0.3861% | 5,021 |
| Pretax return on assets | 0.5866% | 4,732 |
| Return on Equity (ROE) | 7.9796% | 3,081 |
| Retained earnings to average equity (ytd only) | 7.9796% | 849 |
| Net charge-offs to loans | 0.0282% | 6,428 |
| Credit loss provision to net charge-offs | 1,034.0136% | 429 |
| Earnings coverage of net charge-offs (x) | 64.5782% | 627 |
| Efficiency ratio | 77.4068% | 3,015 |
| Assets per employee ($millions) | 3.2960% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6369% | 7,591 |
| Loan loss allowance to noncurrent loans | 167.1751% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 6,813 |
| Noncurrent loans to loans | 0.3810% | 6,205 |
| Net loans and leases to total assets | 48.2662% | 7,167 |
| Net loans and leases to deposits | 72.0343% | 6,058 |
| Net loans and leases to core deposits | 99.0882% | 4,917 |
| Total domestic deposits to total assets | 67.0045% | 7,572 |
| Equity capital to assets | 3.5077% | 8,266 |
| Core capital (leverage) ratio | 6.5080% | 7,932 |
| Tier 1 risk-based capital ratio | 11.7246% | 5,039 |
| Total risk-based capital ratio | 12.3167% | 5,552 |
| Memoranda: | ||
| Average total assets | $8,481,209,200 | 124 |
| Average earning assets | $7,953,616,400 | 122 |
| Average equity | $410,356,400 | 220 |
| Average total loans | $3,646,513,800 | 174 |