Home > Northern Trust > Performance and Condition Ratios
Northern Trust, Performance and Condition Ratios
| 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 | 3.0646% | 7,244 |
| Cost of funding earning assets | 0.5438% | 6,534 |
| Net interest margin | 2.5208% | 7,124 |
| Noninterest income to average assets | 1.7833% | 451 |
| Noninterest expense to average assets | 2.2122% | 6,250 |
| Loan and lease loss provision to assets | 0.4616% | 2,147 |
| Net operating income to assets | 0.9339% | 2,601 |
| Return on assets (ROA) | 0.9339% | 2,759 |
| Pretax return on assets | 1.5303% | 1,578 |
| Return on Equity (ROE) | 9.1933% | 2,507 |
| Retained earnings to average equity (ytd only) | 9.1933% | 1,081 |
| Net charge-offs to loans | 0.5628% | 2,554 |
| Credit loss provision to net charge-offs | 101.0013% | 3,326 |
| Earnings coverage of net charge-offs (x) | 4.3585% | 3,096 |
| Efficiency ratio | 52.4221% | 6,641 |
| Assets per employee ($millions) | 10.9476% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 5,973 |
| Loan loss allowance to noncurrent loans | 66.4181% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 4,394 |
| Noncurrent loans to loans | 1.6179% | 3,872 |
| Net loans and leases to total assets | 67.2574% | 2,621 |
| Net loans and leases to deposits | 78.8949% | 2,829 |
| Net loans and leases to core deposits | 83.5930% | 3,113 |
| Total domestic deposits to total assets | 84.4859% | 4,016 |
| Equity capital to assets | 8.9057% | 5,850 |
| Core capital (leverage) ratio | 9.7315% | 3,801 |
| Tier 1 risk-based capital ratio | 12.4636% | 5,521 |
| Total risk-based capital ratio | 13.9362% | 5,316 |
| Memoranda: | ||
| Average total assets | $13,636,436,500 | 80 |
| Average earning assets | $13,095,153,000 | 75 |
| Average equity | $1,385,274,000 | 93 |
| Average total loans | $11,072,948,250 | 67 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2812% | 7,259 |
| Cost of funding earning assets | 0.6221% | 6,353 |
| Net interest margin | 2.6590% | 7,069 |
| Noninterest income to average assets | 1.8976% | 391 |
| Noninterest expense to average assets | 2.3654% | 5,941 |
| Loan and lease loss provision to assets | 0.4970% | 1,977 |
| Net operating income to assets | 0.9669% | 2,365 |
| Return on assets (ROA) | 0.9669% | 2,468 |
| Pretax return on assets | 1.5858% | 1,285 |
| Return on Equity (ROE) | 9.0505% | 2,489 |
| Retained earnings to average equity (ytd only) | 9.0505% | 1,087 |
| Net charge-offs to loans | 0.5567% | 2,437 |
| Credit loss provision to net charge-offs | 102.9287% | 3,006 |
| Earnings coverage of net charge-offs (x) | 4.3137% | 2,897 |
| Efficiency ratio | 52.9712% | 6,716 |
| Assets per employee ($millions) | 8.7212% | 359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 6,042 |
| Loan loss allowance to noncurrent loans | 67.5385% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.5423% | 3,887 |
| Noncurrent loans to loans | 1.5984% | 4,000 |
| Net loans and leases to total assets | 82.1176% | 360 |
| Net loans and leases to deposits | 102.7347% | 357 |
| Net loans and leases to core deposits | 111.7054% | 659 |
| Total domestic deposits to total assets | 78.9480% | 6,102 |
| Equity capital to assets | 10.6292% | 3,350 |
| Core capital (leverage) ratio | 10.6083% | 2,612 |
| Tier 1 risk-based capital ratio | 13.0320% | 4,890 |
| Total risk-based capital ratio | 14.6053% | 4,624 |
| Memoranda: | ||
| Average total assets | $12,813,960,670 | 89 |
| Average earning assets | $12,291,458,670 | 82 |
| Average equity | $1,368,980,670 | 95 |
| Average total loans | $11,114,368,330 | 69 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3222% | 7,305 |
| Cost of funding earning assets | 0.6433% | 6,409 |
| Net interest margin | 2.6789% | 7,036 |
| Noninterest income to average assets | 1.9308% | 373 |
| Noninterest expense to average assets | 2.3374% | 6,084 |
| Loan and lease loss provision to assets | 0.6884% | 1,228 |
| Net operating income to assets | 0.9040% | 2,543 |
| Return on assets (ROA) | 0.9040% | 2,606 |
| Pretax return on assets | 1.4816% | 1,499 |
| Return on Equity (ROE) | 8.4391% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.4391% | 1,575 |
| Net charge-offs to loans | 0.7370% | 1,742 |
| Credit loss provision to net charge-offs | 105.3343% | 2,530 |
| Earnings coverage of net charge-offs (x) | 3.3203% | 2,781 |
| Efficiency ratio | 51.5687% | 6,887 |
| Assets per employee ($millions) | 8.5151% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 6,186 |
| Loan loss allowance to noncurrent loans | 66.5538% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.7635% | 3,624 |
| Noncurrent loans to loans | 1.5941% | 4,089 |
| Net loans and leases to total assets | 85.9615% | 130 |
| Net loans and leases to deposits | 108.2541% | 208 |
| Net loans and leases to core deposits | 118.9750% | 447 |
| Total domestic deposits to total assets | 78.3956% | 6,318 |
| Equity capital to assets | 10.6557% | 3,035 |
| Core capital (leverage) ratio | 10.6835% | 2,444 |
| Tier 1 risk-based capital ratio | 12.6184% | 5,148 |
| Total risk-based capital ratio | 14.1830% | 4,862 |
| Memoranda: | ||
| Average total assets | $12,632,111,500 | 88 |
| Average earning assets | $12,149,913,000 | 85 |
| Average equity | $1,353,131,000 | 96 |
| Average total loans | $11,201,918,000 | 68 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6291% | 7,334 |
| Cost of funding earning assets | 0.7659% | 6,690 |
| Net interest margin | 2.8631% | 6,951 |
| Noninterest income to average assets | 1.8924% | 440 |
| Noninterest expense to average assets | 2.4534% | 5,936 |
| Loan and lease loss provision to assets | 0.8492% | 1,927 |
| Net operating income to assets | 0.8228% | 2,705 |
| Return on assets (ROA) | 0.8228% | 2,844 |
| Pretax return on assets | 1.3398% | 1,830 |
| Return on Equity (ROE) | 8.9631% | 2,304 |
| Retained earnings to average equity (ytd only) | 8.9631% | 712 |
| Net charge-offs to loans | 0.7711% | 2,713 |
| Credit loss provision to net charge-offs | 120.9906% | 3,481 |
| Earnings coverage of net charge-offs (x) | 3.1187% | 3,518 |
| Efficiency ratio | 52.8369% | 6,908 |
| Assets per employee ($millions) | 8.3324% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 6,188 |
| Loan loss allowance to noncurrent loans | 65.8332% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.7433% | 3,690 |
| Noncurrent loans to loans | 1.5816% | 4,127 |
| Net loans and leases to total assets | 89.5881% | 65 |
| Net loans and leases to deposits | 113.2183% | 184 |
| Net loans and leases to core deposits | 125.2478% | 404 |
| Total domestic deposits to total assets | 77.9752% | 6,317 |
| Equity capital to assets | 10.7698% | 2,883 |
| Core capital (leverage) ratio | 10.8106% | 2,303 |
| Tier 1 risk-based capital ratio | 12.3856% | 5,127 |
| Total risk-based capital ratio | 13.9074% | 4,868 |
| Memoranda: | ||
| Average total assets | $12,334,557,200 | 90 |
| Average earning assets | $11,847,336,800 | 83 |
| Average equity | $1,132,318,600 | 111 |
| Average total loans | $11,227,724,200 | 69 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6756% | 7,461 |
| Cost of funding earning assets | 0.7910% | 6,789 |
| Net interest margin | 2.8846% | 7,028 |
| Noninterest income to average assets | 1.8982% | 409 |
| Noninterest expense to average assets | 2.4293% | 5,943 |
| Loan and lease loss provision to assets | 0.7073% | 2,165 |
| Net operating income to assets | 0.9347% | 2,477 |
| Return on assets (ROA) | 0.9347% | 2,609 |
| Pretax return on assets | 1.5326% | 1,525 |
| Return on Equity (ROE) | 10.6477% | 1,890 |
| Retained earnings to average equity (ytd only) | 10.6477% | 657 |
| Net charge-offs to loans | 0.6251% | 2,871 |
| Credit loss provision to net charge-offs | 124.1327% | 3,302 |
| Earnings coverage of net charge-offs (x) | 3.9312% | 3,250 |
| Efficiency ratio | 52.0222% | 6,969 |
| Assets per employee ($millions) | 8.0231% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 6,424 |
| Loan loss allowance to noncurrent loans | 64.8268% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 1.7647% | 3,794 |
| Noncurrent loans to loans | 1.5317% | 4,341 |
| Net loans and leases to total assets | 92.9840% | 19 |
| Net loans and leases to deposits | 119.6294% | 118 |
| Net loans and leases to core deposits | 133.7813% | 327 |
| Total domestic deposits to total assets | 76.4126% | 6,587 |
| Equity capital to assets | 9.3816% | 5,011 |
| Core capital (leverage) ratio | 9.2129% | 4,348 |
| Tier 1 risk-based capital ratio | 10.6327% | 6,686 |
| Total risk-based capital ratio | 12.1756% | 6,421 |
| Memoranda: | ||
| Average total assets | $12,310,218,750 | 89 |
| Average earning assets | $11,825,088,000 | 83 |
| Average equity | $1,080,674,500 | 115 |
| Average total loans | $11,220,980,500 | 69 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6584% | 7,550 |
| Cost of funding earning assets | 0.8061% | 6,893 |
| Net interest margin | 2.8523% | 7,076 |
| Noninterest income to average assets | 1.8972% | 378 |
| Noninterest expense to average assets | 2.3927% | 6,083 |
| Loan and lease loss provision to assets | 0.7423% | 1,947 |
| Net operating income to assets | 0.9167% | 2,489 |
| Return on assets (ROA) | 0.9167% | 2,592 |
| Pretax return on assets | 1.5038% | 1,552 |
| Return on Equity (ROE) | 10.6780% | 1,868 |
| Retained earnings to average equity (ytd only) | 10.6780% | 715 |
| Net charge-offs to loans | 0.6258% | 2,661 |
| Credit loss provision to net charge-offs | 131.4064% | 3,063 |
| Earnings coverage of net charge-offs (x) | 3.9762% | 3,104 |
| Efficiency ratio | 51.5724% | 7,111 |
| Assets per employee ($millions) | 8.0936% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 6,492 |
| Loan loss allowance to noncurrent loans | 58.2419% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.7889% | 3,773 |
| Noncurrent loans to loans | 1.6798% | 4,171 |
| Net loans and leases to total assets | 91.4283% | 38 |
| Net loans and leases to deposits | 113.9573% | 207 |
| Net loans and leases to core deposits | 126.9537% | 487 |
| Total domestic deposits to total assets | 78.8239% | 6,080 |
| Equity capital to assets | 8.9851% | 5,473 |
| Core capital (leverage) ratio | 8.7006% | 5,072 |
| Tier 1 risk-based capital ratio | 10.3170% | 6,823 |
| Total risk-based capital ratio | 11.8438% | 6,613 |
| Memoranda: | ||
| Average total assets | $12,420,794,330 | 86 |
| Average earning assets | $11,938,678,670 | 80 |
| Average equity | $1,066,308,670 | 113 |
| Average total loans | $11,211,379,000 | 68 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6360% | 7,663 |
| Cost of funding earning assets | 0.8315% | 6,993 |
| Net interest margin | 2.8046% | 7,173 |
| Noninterest income to average assets | 1.8811% | 367 |
| Noninterest expense to average assets | 2.2847% | 6,423 |
| Loan and lease loss provision to assets | 0.7623% | 1,665 |
| Net operating income to assets | 0.9310% | 2,426 |
| Return on assets (ROA) | 0.9310% | 2,493 |
| Pretax return on assets | 1.5294% | 1,443 |
| Return on Equity (ROE) | 11.0960% | 1,760 |
| Retained earnings to average equity (ytd only) | 11.0960% | 900 |
| Net charge-offs to loans | 0.6103% | 2,291 |
| Credit loss provision to net charge-offs | 139.9297% | 2,531 |
| Earnings coverage of net charge-offs (x) | 4.2066% | 2,673 |
| Efficiency ratio | 49.9164% | 7,322 |
| Assets per employee ($millions) | 8.2218% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 6,680 |
| Loan loss allowance to noncurrent loans | 62.6518% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.6083% | 4,077 |
| Noncurrent loans to loans | 1.5110% | 4,481 |
| Net loans and leases to total assets | 89.0773% | 95 |
| Net loans and leases to deposits | 110.5159% | 278 |
| Net loans and leases to core deposits | 123.8550% | 650 |
| Total domestic deposits to total assets | 79.1228% | 6,045 |
| Equity capital to assets | 8.5814% | 5,898 |
| Core capital (leverage) ratio | 8.3461% | 5,648 |
| Tier 1 risk-based capital ratio | 9.8792% | 7,107 |
| Total risk-based capital ratio | 11.4651% | 6,870 |
| Memoranda: | ||
| Average total assets | $12,540,752,000 | 83 |
| Average earning assets | $12,052,226,000 | 77 |
| Average equity | $1,052,233,000 | 113 |
| Average total loans | $11,193,667,500 | 67 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9192% | 7,726 |
| Cost of funding earning assets | 1.1273% | 6,893 |
| Net interest margin | 2.7919% | 7,076 |
| Noninterest income to average assets | 1.9319% | 394 |
| Noninterest expense to average assets | 2.7017% | 5,385 |
| Loan and lease loss provision to assets | 0.6412% | 3,233 |
| Net operating income to assets | 0.7768% | 2,615 |
| Return on assets (ROA) | 0.7768% | 2,709 |
| Pretax return on assets | 1.2745% | 1,768 |
| Return on Equity (ROE) | 9.2233% | 1,952 |
| Retained earnings to average equity (ytd only) | 3.3290% | 2,841 |
| Net charge-offs to loans | 0.4468% | 4,000 |
| Credit loss provision to net charge-offs | 157.4243% | 2,854 |
| Earnings coverage of net charge-offs (x) | 4.7031% | 2,845 |
| Efficiency ratio | 58.5031% | 6,696 |
| Assets per employee ($millions) | 8.3720% | 434 |
| Cash dividends to net income (ytd only)* | 63.9066% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 6,883 |
| Loan loss allowance to noncurrent loans | 71.1764% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.3243% | 4,444 |
| Noncurrent loans to loans | 1.2412% | 4,878 |
| Net loans and leases to total assets | 87.8169% | 180 |
| Net loans and leases to deposits | 108.8349% | 427 |
| Net loans and leases to core deposits | 128.6594% | 1,354 |
| Total domestic deposits to total assets | 78.9959% | 5,978 |
| Equity capital to assets | 8.2029% | 6,339 |
| Core capital (leverage) ratio | 8.2100% | 5,793 |
| Tier 1 risk-based capital ratio | 9.5226% | 7,210 |
| Total risk-based capital ratio | 11.0340% | 7,021 |
| Memoranda: | ||
| Average total assets | $12,086,025,800 | 87 |
| Average earning assets | $11,625,370,600 | 81 |
| Average equity | $1,017,927,400 | 111 |
| Average total loans | $11,018,320,400 | 65 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 7,807 |
| Cost of funding earning assets | 1.2041% | 6,875 |
| Net interest margin | 2.7795% | 7,090 |
| Noninterest income to average assets | 1.9361% | 397 |
| Noninterest expense to average assets | 2.7652% | 5,036 |
| Loan and lease loss provision to assets | 0.5807% | 3,069 |
| Net operating income to assets | 0.7686% | 2,945 |
| Return on assets (ROA) | 0.7686% | 3,008 |
| Pretax return on assets | 1.2645% | 2,067 |
| Return on Equity (ROE) | 9.0628% | 2,238 |
| Retained earnings to average equity (ytd only) | 2.8109% | 3,759 |
| Net charge-offs to loans | 0.3826% | 3,733 |
| Credit loss provision to net charge-offs | 165.2742% | 2,851 |
| Earnings coverage of net charge-offs (x) | 5.2516% | 2,887 |
| Efficiency ratio | 59.9694% | 6,422 |
| Assets per employee ($millions) | 7.9806% | 519 |
| Cash dividends to net income (ytd only)* | 68.9846% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8247% | 7,045 |
| Loan loss allowance to noncurrent loans | 74.3462% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0692% | 4,938 |
| Noncurrent loans to loans | 1.1092% | 5,098 |
| Net loans and leases to total assets | 89.9719% | 119 |
| Net loans and leases to deposits | 114.5541% | 307 |
| Net loans and leases to core deposits | 140.3716% | 897 |
| Total domestic deposits to total assets | 76.3623% | 6,510 |
| Equity capital to assets | 8.4020% | 6,382 |
| Core capital (leverage) ratio | 8.2537% | 5,915 |
| Tier 1 risk-based capital ratio | 10.0046% | 6,981 |
| Total risk-based capital ratio | 11.5327% | 6,646 |
| Memoranda: | ||
| Average total assets | $11,945,008,500 | 94 |
| Average earning assets | $11,492,894,250 | 83 |
| Average equity | $1,012,990,500 | 116 |
| Average total loans | $10,970,916,250 | 69 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 7,896 |
| Cost of funding earning assets | 1.2897% | 6,840 |
| Net interest margin | 2.7400% | 7,120 |
| Noninterest income to average assets | 1.9405% | 395 |
| Noninterest expense to average assets | 2.8097% | 4,922 |
| Loan and lease loss provision to assets | 0.6156% | 2,591 |
| Net operating income to assets | 0.6963% | 3,270 |
| Return on assets (ROA) | 0.6963% | 3,381 |
| Pretax return on assets | 1.1460% | 2,480 |
| Return on Equity (ROE) | 8.1843% | 2,698 |
| Retained earnings to average equity (ytd only) | 1.2461% | 4,653 |
| Net charge-offs to loans | 0.3407% | 3,472 |
| Credit loss provision to net charge-offs | 195.9206% | 2,330 |
| Earnings coverage of net charge-offs (x) | 5.6066% | 2,798 |
| Efficiency ratio | 61.4568% | 6,319 |
| Assets per employee ($millions) | 7.8054% | 536 |
| Cash dividends to net income (ytd only)* | 84.7745% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8037% | 7,144 |
| Loan loss allowance to noncurrent loans | 67.3963% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.1359% | 4,678 |
| Noncurrent loans to loans | 1.1926% | 4,835 |
| Net loans and leases to total assets | 91.3969% | 77 |
| Net loans and leases to deposits | 116.8539% | 305 |
| Net loans and leases to core deposits | 146.3336% | 746 |
| Total domestic deposits to total assets | 75.8892% | 6,578 |
| Equity capital to assets | 8.4427% | 6,137 |
| Core capital (leverage) ratio | 8.2524% | 5,885 |
| Tier 1 risk-based capital ratio | 9.8705% | 7,069 |
| Total risk-based capital ratio | 11.3750% | 6,724 |
| Memoranda: | ||
| Average total assets | $11,859,237,000 | 103 |
| Average earning assets | $11,386,028,000 | 94 |
| Average equity | $1,008,906,670 | 119 |
| Average total loans | $10,937,906,330 | 73 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 7,954 |
| Cost of funding earning assets | 1.3729% | 6,803 |
| Net interest margin | 2.7055% | 7,191 |
| Noninterest income to average assets | 1.9465% | 381 |
| Noninterest expense to average assets | 2.7451% | 4,805 |
| Loan and lease loss provision to assets | 0.5082% | 2,439 |
| Net operating income to assets | 0.7818% | 3,204 |
| Return on assets (ROA) | 0.7818% | 3,370 |
| Pretax return on assets | 1.2865% | 2,329 |
| Return on Equity (ROE) | 9.1549% | 2,651 |
| Retained earnings to average equity (ytd only) | 3.2040% | 4,087 |
| Net charge-offs to loans | 0.0666% | 4,540 |
| Credit loss provision to net charge-offs | 827.3580% | 729 |
| Earnings coverage of net charge-offs (x) | 29.2168% | 1,079 |
| Efficiency ratio | 60.4599% | 6,327 |
| Assets per employee ($millions) | 7.6345% | 588 |
| Cash dividends to net income (ytd only)* | 65.0026% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 7,264 |
| Loan loss allowance to noncurrent loans | 85.6558% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 0.8471% | 5,076 |
| Noncurrent loans to loans | 0.8948% | 5,215 |
| Net loans and leases to total assets | 91.5340% | 77 |
| Net loans and leases to deposits | 119.3229% | 305 |
| Net loans and leases to core deposits | 150.5197% | 691 |
| Total domestic deposits to total assets | 74.2682% | 6,839 |
| Equity capital to assets | 8.5261% | 6,034 |
| Core capital (leverage) ratio | 8.4950% | 5,549 |
| Tier 1 risk-based capital ratio | 9.9227% | 7,010 |
| Total risk-based capital ratio | 11.4014% | 6,668 |
| Memoranda: | ||
| Average total assets | $11,805,987,000 | 106 |
| Average earning assets | $11,316,780,000 | 95 |
| Average equity | $1,008,241,500 | 121 |
| Average total loans | $10,894,397,500 | 75 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 7,775 |
| Cost of funding earning assets | 2.1215% | 5,962 |
| Net interest margin | 2.9730% | 6,976 |
| Noninterest income to average assets | 2.4229% | 264 |
| Noninterest expense to average assets | 2.8194% | 4,741 |
| Loan and lease loss provision to assets | 0.4137% | 3,215 |
| Net operating income to assets | 1.2669% | 1,577 |
| Return on assets (ROA) | 1.2669% | 1,526 |
| Pretax return on assets | 2.0209% | 570 |
| Return on Equity (ROE) | 14.6981% | 971 |
| Retained earnings to average equity (ytd only) | 11.5646% | 263 |
| Net charge-offs to loans | 0.1881% | 4,311 |
| Credit loss provision to net charge-offs | 240.1986% | 1,948 |
| Earnings coverage of net charge-offs (x) | 14.1361% | 2,070 |
| Efficiency ratio | 53.6523% | 7,306 |
| Assets per employee ($millions) | 7.4119% | 596 |
| Cash dividends to net income (ytd only)* | 21.3186% | 4,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6527% | 7,542 |
| Loan loss allowance to noncurrent loans | 122.1142% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 5,655 |
| Noncurrent loans to loans | 0.5345% | 5,754 |
| Net loans and leases to total assets | 91.7140% | 93 |
| Net loans and leases to deposits | 139.4499% | 110 |
| Net loans and leases to core deposits | 179.3864% | 294 |
| Total domestic deposits to total assets | 63.1225% | 7,832 |
| Equity capital to assets | 8.5542% | 6,006 |
| Core capital (leverage) ratio | 8.5892% | 5,402 |
| Tier 1 risk-based capital ratio | 9.9154% | 6,829 |
| Total risk-based capital ratio | 11.2662% | 6,595 |
| Memoranda: | ||
| Average total assets | $11,107,395,000 | 104 |
| Average earning assets | $10,577,399,400 | 101 |
| Average equity | $957,417,800 | 118 |
| Average total loans | $10,169,614,400 | 81 |