Home > State Farm Bank, F.S.B. > Performance and Condition Ratios
State Farm Bank, F.S.B., Performance and Condition Ratios
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.0000% | 4,999 |
Cost of funding earning assets | 0.0000% | 4,991 |
Net interest margin | 0.0000% | 4,997 |
Noninterest income to average assets | 0.0000% | 4,957 |
Noninterest expense to average assets | 0.0000% | 4,998 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 0.0000% | 4,734 |
Return on assets (ROA) | 0.0000% | 4,770 |
Pretax return on assets | 0.0000% | 4,762 |
Return on Equity (ROE) | 0.0000% | 4,770 |
Retained earnings to average equity (ytd only) | 0.0000% | 4,513 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | NA | NA |
Assets per employee ($millions) | 1.0277% | 4,963 |
Cash dividends to net income (ytd only)* | NA | NA |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,951 |
Loan loss allowance to noncurrent loans | 0.0000% | 4,411 |
Noncurrent assets plus other real estate owned to assets | 1.1869% | 736 |
Noncurrent loans to loans | 2.8831% | 313 |
Net loans and leases to total assets | 39.5671% | 4,455 |
Net loans and leases to deposits | 56,765.4000% | 1 |
Net loans and leases to core deposits | 56,765.4000% | 2 |
Total domestic deposits to total assets | 0.0697% | 5,010 |
Equity capital to assets | 56.9011% | 31 |
Core capital (leverage) ratio | 14.7066% | 556 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 76.3430% | 40 |
Memoranda: | ||
Average total assets | $12,324,077,600 | 135 |
Average earning assets | $11,912,362,600 | 127 |
Average equity | $1,553,608,600 | 130 |
Average total loans | $5,621,543,200 | 174 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.0000% | 5,032 |
Cost of funding earning assets | 0.0000% | 5,023 |
Net interest margin | 0.0000% | 5,030 |
Noninterest income to average assets | 0.0000% | 4,986 |
Noninterest expense to average assets | 0.0000% | 5,031 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 0.0000% | 4,772 |
Return on assets (ROA) | 0.0000% | 4,791 |
Pretax return on assets | 0.0000% | 4,784 |
Return on Equity (ROE) | 0.0000% | 4,791 |
Retained earnings to average equity (ytd only) | 0.0000% | 4,481 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | NA | NA |
Assets per employee ($millions) | 13.7728% | 211 |
Cash dividends to net income (ytd only)* | NA | NA |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 4,986 |
Loan loss allowance to noncurrent loans | 0.0000% | 4,464 |
Noncurrent assets plus other real estate owned to assets | 0.2593% | 3,140 |
Noncurrent loans to loans | 4.4843% | 131 |
Net loans and leases to total assets | 5.5850% | 4,991 |
Net loans and leases to deposits | 6.7634% | 4,995 |
Net loans and leases to core deposits | 20.9578% | 4,950 |
Total domestic deposits to total assets | 82.5763% | 3,258 |
Equity capital to assets | 14.1697% | 814 |
Core capital (leverage) ratio | 11.3141% | 1,701 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 147.0253% | 22 |
Memoranda: | ||
Average total assets | $15,225,764,250 | 113 |
Average earning assets | $14,819,431,500 | 105 |
Average equity | $1,839,968,500 | 113 |
Average total loans | $6,955,972,250 | 153 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 0.0000% | 5,065 |
Cost of funding earning assets | 0.0000% | 5,057 |
Net interest margin | 0.0000% | 5,063 |
Noninterest income to average assets | 0.0000% | 5,011 |
Noninterest expense to average assets | 0.0000% | 5,064 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 0.0000% | 4,776 |
Return on assets (ROA) | 0.0000% | 4,793 |
Pretax return on assets | 0.0000% | 4,789 |
Return on Equity (ROE) | 0.0000% | 4,793 |
Retained earnings to average equity (ytd only) | 0.0000% | 4,304 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | NA | NA |
Assets per employee ($millions) | 11.8792% | 325 |
Cash dividends to net income (ytd only)* | NA | NA |
Condition Ratios (%) | ||
Loss allowance to loans | 0.0000% | 5,020 |
Loan loss allowance to noncurrent loans | 0.0000% | 4,527 |
Noncurrent assets plus other real estate owned to assets | 0.5895% | 2,045 |
Noncurrent loans to loans | 1.1224% | 1,405 |
Net loans and leases to total assets | 51.5796% | 4,055 |
Net loans and leases to deposits | 72.2184% | 3,239 |
Net loans and leases to core deposits | 220.4168% | 29 |
Total domestic deposits to total assets | 71.4216% | 4,738 |
Equity capital to assets | 10.8289% | 2,480 |
Core capital (leverage) ratio | 10.6740% | 2,211 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 21.5414% | 623 |
Memoranda: | ||
Average total assets | $16,205,915,000 | 106 |
Average earning assets | $15,812,869,333 | 102 |
Average equity | $1,873,028,000 | 113 |
Average total loans | $9,045,919,667 | 131 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4118% | 2,578 |
Cost of funding earning assets | 1.6020% | 189 |
Net interest margin | 2.8098% | 4,559 |
Noninterest income to average assets | 0.6142% | 1,977 |
Noninterest expense to average assets | 2.5202% | 3,215 |
Loan and lease loss provision to assets | 1.2127% | 146 |
Net operating income to assets | -0.3050% | 4,890 |
Return on assets (ROA) | -0.3050% | 4,863 |
Pretax return on assets | -0.3741% | 4,857 |
Return on Equity (ROE) | -2.5602% | 4,857 |
Retained earnings to average equity (ytd only) | -2.5602% | 4,305 |
Net charge-offs to loans | 1.3294% | 111 |
Credit loss provision to net charge-offs | 157.5865% | 1,559 |
Earnings coverage of net charge-offs (x) | 1.0897% | 2,418 |
Efficiency ratio | 75.0333% | 1,682 |
Assets per employee ($millions) | 11.2232% | 288 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8791% | 631 |
Loan loss allowance to noncurrent loans | 158.9779% | 2,439 |
Noncurrent assets plus other real estate owned to assets | 0.6675% | 1,997 |
Noncurrent loans to loans | 1.1820% | 1,392 |
Net loans and leases to total assets | 54.3338% | 3,960 |
Net loans and leases to deposits | 76.9989% | 2,980 |
Net loans and leases to core deposits | 237.3284% | 27 |
Total domestic deposits to total assets | 70.5644% | 4,835 |
Equity capital to assets | 11.9957% | 2,075 |
Core capital (leverage) ratio | 11.6587% | 1,955 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.0934% | 635 |
Memoranda: | ||
Average total assets | $16,337,908,000 | 103 |
Average earning assets | $15,958,794,000 | 99 |
Average equity | $1,946,378,000 | 111 |
Average total loans | $9,457,490,000 | 118 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6794% | 2,386 |
Cost of funding earning assets | 1.6937% | 197 |
Net interest margin | 2.9857% | 4,533 |
Noninterest income to average assets | 0.7129% | 1,767 |
Noninterest expense to average assets | 2.4729% | 3,520 |
Loan and lease loss provision to assets | 0.6249% | 191 |
Net operating income to assets | 0.3688% | 4,652 |
Return on assets (ROA) | 0.3688% | 4,682 |
Pretax return on assets | 0.5210% | 4,533 |
Return on Equity (ROE) | 3.1798% | 4,633 |
Retained earnings to average equity (ytd only) | 3.1798% | 3,427 |
Net charge-offs to loans | 1.1027% | 142 |
Credit loss provision to net charge-offs | 90.3011% | 2,650 |
Earnings coverage of net charge-offs (x) | 1.6558% | 3,512 |
Efficiency ratio | 68.3335% | 2,412 |
Assets per employee ($millions) | 10.9718% | 299 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5228% | 1,160 |
Loan loss allowance to noncurrent loans | 136.3013% | 2,748 |
Noncurrent assets plus other real estate owned to assets | 0.6872% | 1,881 |
Noncurrent loans to loans | 1.1172% | 1,353 |
Net loans and leases to total assets | 59.4529% | 3,634 |
Net loans and leases to deposits | 86.9849% | 1,975 |
Net loans and leases to core deposits | 274.5948% | 22 |
Total domestic deposits to total assets | 68.3485% | 4,984 |
Equity capital to assets | 11.8429% | 2,245 |
Core capital (leverage) ratio | 11.9881% | 1,789 |
Tier 1 risk-based capital ratio | 19.4480% | 1,427 |
Total risk-based capital ratio | 20.7014% | 1,387 |
Memoranda: | ||
Average total assets | $16,387,769,600 | 98 |
Average earning assets | $15,950,256,400 | 92 |
Average equity | $1,900,527,000 | 110 |
Average total loans | $10,285,185,000 | 108 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7111% | 2,380 |
Cost of funding earning assets | 1.7090% | 195 |
Net interest margin | 3.0021% | 4,619 |
Noninterest income to average assets | 0.7102% | 1,738 |
Noninterest expense to average assets | 2.4831% | 3,487 |
Loan and lease loss provision to assets | 0.6140% | 183 |
Net operating income to assets | 0.4046% | 4,715 |
Return on assets (ROA) | 0.4046% | 4,742 |
Pretax return on assets | 0.5327% | 4,650 |
Return on Equity (ROE) | 3.5073% | 4,679 |
Retained earnings to average equity (ytd only) | 3.5073% | 3,653 |
Net charge-offs to loans | 1.0848% | 132 |
Credit loss provision to net charge-offs | 89.3403% | 2,401 |
Earnings coverage of net charge-offs (x) | 1.6684% | 3,267 |
Efficiency ratio | 68.4084% | 2,357 |
Assets per employee ($millions) | 10.0435% | 349 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5339% | 1,156 |
Loan loss allowance to noncurrent loans | 140.9606% | 2,730 |
Noncurrent assets plus other real estate owned to assets | 0.7062% | 1,940 |
Noncurrent loans to loans | 1.0882% | 1,458 |
Net loans and leases to total assets | 61.5408% | 3,541 |
Net loans and leases to deposits | 89.1651% | 1,794 |
Net loans and leases to core deposits | 290.3852% | 24 |
Total domestic deposits to total assets | 69.0190% | 5,027 |
Equity capital to assets | 12.1270% | 2,163 |
Core capital (leverage) ratio | 11.8321% | 1,974 |
Tier 1 risk-based capital ratio | 19.1586% | 1,532 |
Total risk-based capital ratio | 20.4121% | 1,502 |
Memoranda: | ||
Average total assets | $16,378,515,000 | 97 |
Average earning assets | $15,928,407,000 | 93 |
Average equity | $1,889,364,750 | 110 |
Average total loans | $10,377,476,750 | 107 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6788% | 2,428 |
Cost of funding earning assets | 1.7000% | 182 |
Net interest margin | 2.9788% | 4,721 |
Noninterest income to average assets | 0.6007% | 2,149 |
Noninterest expense to average assets | 2.4955% | 3,497 |
Loan and lease loss provision to assets | 0.6162% | 181 |
Net operating income to assets | 0.2879% | 4,888 |
Return on assets (ROA) | 0.2879% | 4,901 |
Pretax return on assets | 0.3847% | 4,847 |
Return on Equity (ROE) | 2.5372% | 4,869 |
Retained earnings to average equity (ytd only) | 2.5372% | 3,930 |
Net charge-offs to loans | 1.0977% | 121 |
Credit loss provision to net charge-offs | 88.2135% | 2,151 |
Earnings coverage of net charge-offs (x) | 1.4329% | 3,019 |
Efficiency ratio | 71.3725% | 2,007 |
Assets per employee ($millions) | 10.0027% | 333 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5174% | 1,216 |
Loan loss allowance to noncurrent loans | 143.8876% | 2,712 |
Noncurrent assets plus other real estate owned to assets | 0.6921% | 1,982 |
Noncurrent loans to loans | 1.0546% | 1,554 |
Net loans and leases to total assets | 62.0856% | 3,537 |
Net loans and leases to deposits | 93.5789% | 1,301 |
Net loans and leases to core deposits | 311.3689% | 20 |
Total domestic deposits to total assets | 66.3457% | 5,142 |
Equity capital to assets | 11.7222% | 2,418 |
Core capital (leverage) ratio | 11.4495% | 2,208 |
Tier 1 risk-based capital ratio | 18.3463% | 1,711 |
Total risk-based capital ratio | 19.5995% | 1,670 |
Memoranda: | ||
Average total assets | $16,518,307,330 | 96 |
Average earning assets | $16,057,480,330 | 92 |
Average equity | $1,874,029,670 | 111 |
Average total loans | $10,511,841,670 | 104 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6447% | 2,400 |
Cost of funding earning assets | 1.6792% | 169 |
Net interest margin | 2.9655% | 4,795 |
Noninterest income to average assets | 0.4938% | 2,593 |
Noninterest expense to average assets | 2.5166% | 3,452 |
Loan and lease loss provision to assets | 0.6917% | 147 |
Net operating income to assets | 0.1136% | 5,082 |
Return on assets (ROA) | 0.1136% | 5,089 |
Pretax return on assets | 0.1690% | 5,057 |
Return on Equity (ROE) | 1.0174% | 5,067 |
Retained earnings to average equity (ytd only) | 1.0174% | 4,304 |
Net charge-offs to loans | 1.2171% | 102 |
Credit loss provision to net charge-offs | 88.8947% | 1,726 |
Earnings coverage of net charge-offs (x) | 1.1062% | 2,624 |
Efficiency ratio | 73.6477% | 1,793 |
Assets per employee ($millions) | 10.0655% | 336 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5173% | 1,280 |
Loan loss allowance to noncurrent loans | 139.4219% | 2,802 |
Noncurrent assets plus other real estate owned to assets | 0.7135% | 1,972 |
Noncurrent loans to loans | 1.0883% | 1,528 |
Net loans and leases to total assets | 62.7030% | 3,433 |
Net loans and leases to deposits | 97.1340% | 877 |
Net loans and leases to core deposits | 330.4538% | 20 |
Total domestic deposits to total assets | 64.5531% | 5,229 |
Equity capital to assets | 11.3993% | 2,487 |
Core capital (leverage) ratio | 10.9898% | 2,581 |
Tier 1 risk-based capital ratio | 17.6503% | 1,894 |
Total risk-based capital ratio | 18.9036% | 1,854 |
Memoranda: | ||
Average total assets | $16,665,258,500 | 96 |
Average earning assets | $16,204,007,000 | 91 |
Average equity | $1,860,119,000 | 112 |
Average total loans | $10,653,652,000 | 103 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4157% | 2,711 |
Cost of funding earning assets | 1.3739% | 158 |
Net interest margin | 3.0418% | 4,745 |
Noninterest income to average assets | 0.5590% | 2,498 |
Noninterest expense to average assets | 2.6307% | 3,241 |
Loan and lease loss provision to assets | 0.5943% | 187 |
Net operating income to assets | 0.2119% | 5,095 |
Return on assets (ROA) | 0.2119% | 5,091 |
Pretax return on assets | 0.2989% | 5,049 |
Return on Equity (ROE) | 1.9539% | 5,050 |
Retained earnings to average equity (ytd only) | 1.9539% | 4,370 |
Net charge-offs to loans | 0.9425% | 161 |
Credit loss provision to net charge-offs | 97.4729% | 2,598 |
Earnings coverage of net charge-offs (x) | 1.4650% | 3,621 |
Efficiency ratio | 73.7841% | 1,655 |
Assets per employee ($millions) | 10.2509% | 323 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4907% | 1,323 |
Loan loss allowance to noncurrent loans | 131.1688% | 2,957 |
Noncurrent assets plus other real estate owned to assets | 0.7535% | 1,848 |
Noncurrent loans to loans | 1.1364% | 1,408 |
Net loans and leases to total assets | 63.2182% | 3,437 |
Net loans and leases to deposits | 104.8914% | 430 |
Net loans and leases to core deposits | 372.5707% | 16 |
Total domestic deposits to total assets | 60.2701% | 5,312 |
Equity capital to assets | 10.9334% | 2,755 |
Core capital (leverage) ratio | 10.7706% | 2,765 |
Tier 1 risk-based capital ratio | 16.9100% | 2,097 |
Total risk-based capital ratio | 18.1629% | 2,044 |
Memoranda: | ||
Average total assets | $16,873,124,800 | 96 |
Average earning assets | $16,447,408,400 | 90 |
Average equity | $1,829,776,600 | 105 |
Average total loans | $10,915,902,800 | 97 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3392% | 2,819 |
Cost of funding earning assets | 1.2919% | 168 |
Net interest margin | 3.0473% | 4,784 |
Noninterest income to average assets | 0.5744% | 2,455 |
Noninterest expense to average assets | 2.7759% | 2,724 |
Loan and lease loss provision to assets | 0.5259% | 207 |
Net operating income to assets | 0.1746% | 5,208 |
Return on assets (ROA) | 0.1746% | 5,203 |
Pretax return on assets | 0.2459% | 5,176 |
Return on Equity (ROE) | 1.6138% | 5,176 |
Retained earnings to average equity (ytd only) | 1.6138% | 4,694 |
Net charge-offs to loans | 0.8978% | 159 |
Credit loss provision to net charge-offs | 90.3516% | 2,419 |
Earnings coverage of net charge-offs (x) | 1.3260% | 3,361 |
Efficiency ratio | 77.3411% | 1,196 |
Assets per employee ($millions) | 10.9775% | 250 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4385% | 1,561 |
Loan loss allowance to noncurrent loans | 129.3284% | 3,020 |
Noncurrent assets plus other real estate owned to assets | 0.7341% | 2,021 |
Noncurrent loans to loans | 1.1123% | 1,529 |
Net loans and leases to total assets | 63.0951% | 3,530 |
Net loans and leases to deposits | 102.7414% | 611 |
Net loans and leases to core deposits | 364.7600% | 18 |
Total domestic deposits to total assets | 61.4116% | 5,378 |
Equity capital to assets | 10.6658% | 2,963 |
Core capital (leverage) ratio | 10.6574% | 2,926 |
Tier 1 risk-based capital ratio | 16.6668% | 2,216 |
Total risk-based capital ratio | 17.9192% | 2,160 |
Memoranda: | ||
Average total assets | $16,857,786,250 | 95 |
Average earning assets | $16,448,049,000 | 90 |
Average equity | $1,824,342,000 | 105 |
Average total loans | $10,927,962,250 | 97 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2558% | 2,921 |
Cost of funding earning assets | 1.2215% | 165 |
Net interest margin | 3.0343% | 4,829 |
Noninterest income to average assets | 0.5866% | 2,398 |
Noninterest expense to average assets | 2.8626% | 2,456 |
Loan and lease loss provision to assets | 0.5147% | 220 |
Net operating income to assets | 0.1165% | 5,282 |
Return on assets (ROA) | 0.1165% | 5,274 |
Pretax return on assets | 0.1719% | 5,258 |
Return on Equity (ROE) | 1.0715% | 5,266 |
Retained earnings to average equity (ytd only) | 1.0715% | 4,740 |
Net charge-offs to loans | 0.8986% | 149 |
Credit loss provision to net charge-offs | 87.9764% | 2,184 |
Earnings coverage of net charge-offs (x) | 1.1735% | 3,085 |
Efficiency ratio | 79.6766% | 1,047 |
Assets per employee ($millions) | 8.8416% | 473 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4387% | 1,606 |
Loan loss allowance to noncurrent loans | 139.2557% | 2,900 |
Noncurrent assets plus other real estate owned to assets | 0.6921% | 2,160 |
Noncurrent loans to loans | 1.0331% | 1,706 |
Net loans and leases to total assets | 64.0799% | 3,390 |
Net loans and leases to deposits | 100.3204% | 785 |
Net loans and leases to core deposits | 356.3835% | 17 |
Total domestic deposits to total assets | 63.8752% | 5,415 |
Equity capital to assets | 10.7294% | 2,903 |
Core capital (leverage) ratio | 10.8835% | 2,627 |
Tier 1 risk-based capital ratio | 16.4843% | 2,259 |
Total risk-based capital ratio | 17.7367% | 2,206 |
Memoranda: | ||
Average total assets | $16,776,079,000 | 95 |
Average earning assets | $16,378,944,670 | 90 |
Average equity | $1,824,401,000 | 103 |
Average total loans | $10,921,083,000 | 97 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1790% | 2,953 |
Cost of funding earning assets | 1.1733% | 159 |
Net interest margin | 3.0056% | 4,875 |
Noninterest income to average assets | 0.6110% | 2,208 |
Noninterest expense to average assets | 2.8214% | 2,629 |
Loan and lease loss provision to assets | 0.6074% | 167 |
Net operating income to assets | 0.0766% | 5,341 |
Return on assets (ROA) | 0.0766% | 5,337 |
Pretax return on assets | 0.1189% | 5,326 |
Return on Equity (ROE) | 0.6997% | 5,333 |
Retained earnings to average equity (ytd only) | 0.6997% | 4,685 |
Net charge-offs to loans | 0.9619% | 146 |
Credit loss provision to net charge-offs | 96.9385% | 1,620 |
Earnings coverage of net charge-offs (x) | 1.1591% | 2,587 |
Efficiency ratio | 78.7589% | 1,287 |
Assets per employee ($millions) | 8.2579% | 571 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4996% | 1,469 |
Loan loss allowance to noncurrent loans | 138.7254% | 2,889 |
Noncurrent assets plus other real estate owned to assets | 0.7328% | 2,118 |
Noncurrent loans to loans | 1.0810% | 1,697 |
Net loans and leases to total assets | 64.5636% | 3,232 |
Net loans and leases to deposits | 96.5254% | 974 |
Net loans and leases to core deposits | 345.1162% | 19 |
Total domestic deposits to total assets | 66.8877% | 5,446 |
Equity capital to assets | 10.9052% | 2,677 |
Core capital (leverage) ratio | 10.9252% | 2,514 |
Tier 1 risk-based capital ratio | 16.6026% | 2,242 |
Total risk-based capital ratio | 17.8558% | 2,186 |
Memoranda: | ||
Average total assets | $16,680,603,500 | 96 |
Average earning assets | $16,297,820,500 | 91 |
Average equity | $1,826,368,500 | 101 |
Average total loans | $10,866,048,500 | 96 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0375% | 3,284 |
Cost of funding earning assets | 1.1520% | 95 |
Net interest margin | 2.8855% | 5,063 |
Noninterest income to average assets | 0.7011% | 1,959 |
Noninterest expense to average assets | 2.7214% | 3,057 |
Loan and lease loss provision to assets | 0.5000% | 260 |
Net operating income to assets | -0.0051% | 5,366 |
Return on assets (ROA) | -0.0051% | 5,368 |
Pretax return on assets | 0.2950% | 5,215 |
Return on Equity (ROE) | -0.0475% | 5,369 |
Retained earnings to average equity (ytd only) | -0.0475% | 5,031 |
Net charge-offs to loans | 0.9438% | 200 |
Credit loss provision to net charge-offs | 82.2621% | 2,911 |
Earnings coverage of net charge-offs (x) | 1.3079% | 3,906 |
Efficiency ratio | 76.9910% | 1,486 |
Assets per employee ($millions) | 7.9255% | 653 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5228% | 1,329 |
Loan loss allowance to noncurrent loans | 136.1816% | 2,991 |
Noncurrent assets plus other real estate owned to assets | 0.7461% | 2,102 |
Noncurrent loans to loans | 1.1182% | 1,580 |
Net loans and leases to total assets | 63.7434% | 3,395 |
Net loans and leases to deposits | 94.9936% | 1,180 |
Net loans and leases to core deposits | 344.0896% | 20 |
Total domestic deposits to total assets | 67.1028% | 5,492 |
Equity capital to assets | 10.9919% | 2,630 |
Core capital (leverage) ratio | 10.7419% | 2,601 |
Tier 1 risk-based capital ratio | 16.7219% | 2,186 |
Total risk-based capital ratio | 17.9754% | 2,136 |
Memoranda: | ||
Average total assets | $17,251,583,200 | 92 |
Average earning assets | $16,832,075,800 | 85 |
Average equity | $1,847,159,200 | 95 |
Average total loans | $11,109,849,200 | 90 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0020% | 3,351 |
Cost of funding earning assets | 1.1424% | 93 |
Net interest margin | 2.8596% | 5,144 |
Noninterest income to average assets | 0.6854% | 2,061 |
Noninterest expense to average assets | 2.7536% | 2,879 |
Loan and lease loss provision to assets | 0.4931% | 240 |
Net operating income to assets | 0.1519% | 5,396 |
Return on assets (ROA) | 0.1519% | 5,405 |
Pretax return on assets | 0.2275% | 5,361 |
Return on Equity (ROE) | 1.4274% | 5,382 |
Retained earnings to average equity (ytd only) | 1.4274% | 4,842 |
Net charge-offs to loans | 0.9382% | 192 |
Credit loss provision to net charge-offs | 81.7045% | 2,559 |
Earnings coverage of net charge-offs (x) | 1.1941% | 3,591 |
Efficiency ratio | 78.9165% | 1,222 |
Assets per employee ($millions) | 7.2925% | 828 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5606% | 1,329 |
Loan loss allowance to noncurrent loans | 136.9430% | 2,974 |
Noncurrent assets plus other real estate owned to assets | 0.7570% | 2,233 |
Noncurrent loans to loans | 1.1396% | 1,690 |
Net loans and leases to total assets | 63.5650% | 3,478 |
Net loans and leases to deposits | 93.0993% | 1,413 |
Net loans and leases to core deposits | 327.9147% | 22 |
Total domestic deposits to total assets | 68.2766% | 5,528 |
Equity capital to assets | 11.1302% | 2,734 |
Core capital (leverage) ratio | 10.7069% | 2,755 |
Tier 1 risk-based capital ratio | 16.8597% | 2,198 |
Total risk-based capital ratio | 18.1136% | 2,154 |
Memoranda: | ||
Average total assets | $17,389,722,500 | 88 |
Average earning assets | $16,959,644,500 | 85 |
Average equity | $1,850,062,750 | 95 |
Average total loans | $11,185,031,000 | 86 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9343% | 3,434 |
Cost of funding earning assets | 1.1192% | 91 |
Net interest margin | 2.8151% | 5,220 |
Noninterest income to average assets | 0.5152% | 2,929 |
Noninterest expense to average assets | 2.6820% | 3,154 |
Loan and lease loss provision to assets | 0.4312% | 291 |
Net operating income to assets | 0.0864% | 5,505 |
Return on assets (ROA) | 0.0864% | 5,510 |
Pretax return on assets | 0.1474% | 5,471 |
Return on Equity (ROE) | 0.8245% | 5,492 |
Retained earnings to average equity (ytd only) | 0.8245% | 4,886 |
Net charge-offs to loans | 0.9383% | 209 |
Credit loss provision to net charge-offs | 71.5357% | 2,363 |
Earnings coverage of net charge-offs (x) | 0.9599% | 3,335 |
Efficiency ratio | 81.9443% | 1,011 |
Assets per employee ($millions) | 7.1983% | 846 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5040% | 1,562 |
Loan loss allowance to noncurrent loans | 142.4106% | 2,886 |
Noncurrent assets plus other real estate owned to assets | 0.6974% | 2,468 |
Noncurrent loans to loans | 1.0561% | 1,861 |
Net loans and leases to total assets | 63.9905% | 3,383 |
Net loans and leases to deposits | 95.6703% | 1,108 |
Net loans and leases to core deposits | 330.4655% | 24 |
Total domestic deposits to total assets | 66.8865% | 5,622 |
Equity capital to assets | 10.7650% | 3,066 |
Core capital (leverage) ratio | 10.4581% | 2,967 |
Tier 1 risk-based capital ratio | 16.2074% | 2,427 |
Total risk-based capital ratio | 17.4605% | 2,366 |
Memoranda: | ||
Average total assets | $17,602,702,670 | 88 |
Average earning assets | $17,166,649,670 | 82 |
Average equity | $1,845,286,330 | 95 |
Average total loans | $11,307,896,000 | 85 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8846% | 3,448 |
Cost of funding earning assets | 1.0874% | 103 |
Net interest margin | 2.7972% | 5,242 |
Noninterest income to average assets | 0.4010% | 3,656 |
Noninterest expense to average assets | 2.6203% | 3,415 |
Loan and lease loss provision to assets | 0.4268% | 256 |
Net operating income to assets | 0.0438% | 5,578 |
Return on assets (ROA) | 0.0438% | 5,584 |
Pretax return on assets | 0.0812% | 5,540 |
Return on Equity (ROE) | 0.4235% | 5,577 |
Retained earnings to average equity (ytd only) | 0.4235% | 4,824 |
Net charge-offs to loans | 0.9388% | 177 |
Credit loss provision to net charge-offs | 71.1535% | 1,828 |
Earnings coverage of net charge-offs (x) | 0.8469% | 2,792 |
Efficiency ratio | 83.3706% | 1,027 |
Assets per employee ($millions) | 7.4569% | 771 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5729% | 1,448 |
Loan loss allowance to noncurrent loans | 141.9558% | 2,921 |
Noncurrent assets plus other real estate owned to assets | 0.7278% | 2,477 |
Noncurrent loans to loans | 1.1080% | 1,845 |
Net loans and leases to total assets | 63.2911% | 3,361 |
Net loans and leases to deposits | 96.1283% | 926 |
Net loans and leases to core deposits | 317.8168% | 23 |
Total domestic deposits to total assets | 65.8402% | 5,716 |
Equity capital to assets | 10.6250% | 3,041 |
Core capital (leverage) ratio | 10.2189% | 3,223 |
Tier 1 risk-based capital ratio | 16.1431% | 2,490 |
Total risk-based capital ratio | 17.3970% | 2,440 |
Memoranda: | ||
Average total assets | $17,802,098,000 | 86 |
Average earning assets | $17,356,924,000 | 81 |
Average equity | $1,841,929,500 | 93 |
Average total loans | $11,373,359,000 | 84 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8385% | 3,777 |
Cost of funding earning assets | 1.1311% | 78 |
Net interest margin | 2.7074% | 5,411 |
Noninterest income to average assets | 0.6380% | 2,466 |
Noninterest expense to average assets | 2.6319% | 3,579 |
Loan and lease loss provision to assets | 0.2849% | 689 |
Net operating income to assets | 0.2287% | 5,360 |
Return on assets (ROA) | 0.2287% | 5,426 |
Pretax return on assets | 0.3645% | 5,273 |
Return on Equity (ROE) | 2.1243% | 5,375 |
Retained earnings to average equity (ytd only) | 2.1243% | 4,325 |
Net charge-offs to loans | 0.7783% | 266 |
Credit loss provision to net charge-offs | 57.5264% | 3,286 |
Earnings coverage of net charge-offs (x) | 1.3113% | 4,000 |
Efficiency ratio | 79.6447% | 1,462 |
Assets per employee ($millions) | 8.0686% | 593 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5808% | 1,421 |
Loan loss allowance to noncurrent loans | 154.9142% | 2,751 |
Noncurrent assets plus other real estate owned to assets | 0.6615% | 2,740 |
Noncurrent loans to loans | 1.0205% | 2,049 |
Net loans and leases to total assets | 62.4930% | 3,547 |
Net loans and leases to deposits | 104.0277% | 430 |
Net loans and leases to core deposits | 341.0861% | 22 |
Total domestic deposits to total assets | 60.0734% | 5,824 |
Equity capital to assets | 10.0847% | 3,627 |
Core capital (leverage) ratio | 10.6814% | 2,678 |
Tier 1 risk-based capital ratio | 15.5481% | 2,726 |
Total risk-based capital ratio | 16.8021% | 2,658 |
Memoranda: | ||
Average total assets | $17,067,135,000 | 83 |
Average earning assets | $16,662,675,000 | 80 |
Average equity | $1,837,313,000 | 85 |
Average total loans | $10,860,624,600 | 85 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8597% | 3,733 |
Cost of funding earning assets | 1.1565% | 66 |
Net interest margin | 2.7032% | 5,490 |
Noninterest income to average assets | 0.6055% | 2,636 |
Noninterest expense to average assets | 2.6435% | 3,525 |
Loan and lease loss provision to assets | 0.3471% | 459 |
Net operating income to assets | 0.1597% | 5,537 |
Return on assets (ROA) | 0.1597% | 5,595 |
Pretax return on assets | 0.2555% | 5,504 |
Return on Equity (ROE) | 1.4585% | 5,567 |
Retained earnings to average equity (ytd only) | 1.4585% | 4,930 |
Net charge-offs to loans | 0.7512% | 243 |
Credit loss provision to net charge-offs | 72.5736% | 2,753 |
Earnings coverage of net charge-offs (x) | 1.2600% | 3,716 |
Efficiency ratio | 80.8255% | 1,320 |
Assets per employee ($millions) | 7.2977% | 790 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8714% | 896 |
Loan loss allowance to noncurrent loans | 177.3366% | 2,457 |
Noncurrent assets plus other real estate owned to assets | 0.6930% | 2,839 |
Noncurrent loans to loans | 1.0553% | 2,133 |
Net loans and leases to total assets | 63.1562% | 3,500 |
Net loans and leases to deposits | 97.6378% | 888 |
Net loans and leases to core deposits | 319.8303% | 26 |
Total domestic deposits to total assets | 64.6842% | 5,840 |
Equity capital to assets | 10.9967% | 3,014 |
Core capital (leverage) ratio | 10.5378% | 2,952 |
Tier 1 risk-based capital ratio | 16.4836% | 2,424 |
Total risk-based capital ratio | 17.7411% | 2,372 |
Memoranda: | ||
Average total assets | $16,771,133,750 | 83 |
Average earning assets | $16,382,849,750 | 82 |
Average equity | $1,836,496,000 | 83 |
Average total loans | $10,678,561,500 | 86 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8302% | 3,847 |
Cost of funding earning assets | 1.1487% | 70 |
Net interest margin | 2.6815% | 5,593 |
Noninterest income to average assets | 0.5280% | 3,018 |
Noninterest expense to average assets | 2.5358% | 3,922 |
Loan and lease loss provision to assets | 0.2845% | 645 |
Net operating income to assets | 0.2046% | 5,515 |
Return on assets (ROA) | 0.2046% | 5,574 |
Pretax return on assets | 0.3278% | 5,454 |
Return on Equity (ROE) | 1.8713% | 5,534 |
Retained earnings to average equity (ytd only) | 1.8713% | 4,619 |
Net charge-offs to loans | 0.7588% | 269 |
Credit loss provision to net charge-offs | 59.0875% | 2,590 |
Earnings coverage of net charge-offs (x) | 1.2717% | 3,435 |
Efficiency ratio | 79.8544% | 1,510 |
Assets per employee ($millions) | 7.2701% | 778 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8965% | 903 |
Loan loss allowance to noncurrent loans | 184.3226% | 2,456 |
Noncurrent assets plus other real estate owned to assets | 0.6813% | 2,950 |
Noncurrent loans to loans | 1.0289% | 2,227 |
Net loans and leases to total assets | 62.4852% | 3,564 |
Net loans and leases to deposits | 96.5224% | 1,024 |
Net loans and leases to core deposits | 314.7237% | 28 |
Total domestic deposits to total assets | 64.7365% | 5,919 |
Equity capital to assets | 11.0495% | 3,008 |
Core capital (leverage) ratio | 10.8141% | 2,632 |
Tier 1 risk-based capital ratio | 16.6275% | 2,382 |
Total risk-based capital ratio | 17.8853% | 2,325 |
Memoranda: | ||
Average total assets | $16,754,453,000 | 84 |
Average earning assets | $16,370,938,670 | 83 |
Average equity | $1,832,072,000 | 83 |
Average total loans | $10,629,342,000 | 87 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8518% | 3,761 |
Cost of funding earning assets | 1.1347% | 77 |
Net interest margin | 2.7171% | 5,590 |
Noninterest income to average assets | 0.5087% | 3,057 |
Noninterest expense to average assets | 2.4797% | 4,131 |
Loan and lease loss provision to assets | 0.3926% | 357 |
Net operating income to assets | 0.1827% | 5,561 |
Return on assets (ROA) | 0.1827% | 5,617 |
Pretax return on assets | 0.2905% | 5,524 |
Return on Equity (ROE) | 1.6795% | 5,582 |
Retained earnings to average equity (ytd only) | 1.6795% | 4,604 |
Net charge-offs to loans | 0.8350% | 246 |
Credit loss provision to net charge-offs | 74.2478% | 1,878 |
Earnings coverage of net charge-offs (x) | 1.2920% | 2,838 |
Efficiency ratio | 77.6120% | 1,956 |
Assets per employee ($millions) | 7.8419% | 600 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0379% | 772 |
Loan loss allowance to noncurrent loans | 184.4808% | 2,372 |
Noncurrent assets plus other real estate owned to assets | 0.7224% | 2,905 |
Noncurrent loans to loans | 1.1047% | 2,193 |
Net loans and leases to total assets | 61.1263% | 3,638 |
Net loans and leases to deposits | 94.2821% | 1,121 |
Net loans and leases to core deposits | 299.7161% | 27 |
Total domestic deposits to total assets | 64.8334% | 5,986 |
Equity capital to assets | 10.9336% | 3,019 |
Core capital (leverage) ratio | 10.7466% | 2,673 |
Tier 1 risk-based capital ratio | 16.8015% | 2,363 |
Total risk-based capital ratio | 18.0609% | 2,305 |
Memoranda: | ||
Average total assets | $16,745,637,500 | 85 |
Average earning assets | $16,356,989,500 | 84 |
Average equity | $1,821,493,000 | 84 |
Average total loans | $10,602,680,000 | 85 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8030% | 4,032 |
Cost of funding earning assets | 1.1481% | 72 |
Net interest margin | 2.6549% | 5,698 |
Noninterest income to average assets | 0.6045% | 2,693 |
Noninterest expense to average assets | 2.4167% | 4,475 |
Loan and lease loss provision to assets | 0.3270% | 496 |
Net operating income to assets | 0.2728% | 5,433 |
Return on assets (ROA) | 0.2728% | 5,511 |
Pretax return on assets | 0.4518% | 5,221 |
Return on Equity (ROE) | 2.5275% | 5,448 |
Retained earnings to average equity (ytd only) | 2.5275% | 4,269 |
Net charge-offs to loans | 0.6740% | 354 |
Credit loss provision to net charge-offs | 76.0409% | 3,022 |
Earnings coverage of net charge-offs (x) | 1.8110% | 4,027 |
Efficiency ratio | 74.9345% | 2,435 |
Assets per employee ($millions) | 8.2083% | 513 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0412% | 752 |
Loan loss allowance to noncurrent loans | 179.7980% | 2,453 |
Noncurrent assets plus other real estate owned to assets | 0.7590% | 2,789 |
Noncurrent loans to loans | 1.1353% | 2,067 |
Net loans and leases to total assets | 62.8245% | 3,444 |
Net loans and leases to deposits | 100.5994% | 639 |
Net loans and leases to core deposits | 308.2870% | 26 |
Total domestic deposits to total assets | 62.4502% | 6,067 |
Equity capital to assets | 10.8043% | 3,025 |
Core capital (leverage) ratio | 10.6043% | 2,820 |
Tier 1 risk-based capital ratio | 16.1062% | 2,644 |
Total risk-based capital ratio | 17.3670% | 2,585 |
Memoranda: | ||
Average total assets | $16,695,033,000 | 83 |
Average earning assets | $16,293,121,600 | 79 |
Average equity | $1,801,641,800 | 85 |
Average total loans | $10,651,311,000 | 85 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7808% | 4,157 |
Cost of funding earning assets | 1.1468% | 75 |
Net interest margin | 2.6340% | 5,799 |
Noninterest income to average assets | 0.5926% | 2,786 |
Noninterest expense to average assets | 2.3980% | 4,519 |
Loan and lease loss provision to assets | 0.3037% | 476 |
Net operating income to assets | 0.2780% | 5,519 |
Return on assets (ROA) | 0.2780% | 5,596 |
Pretax return on assets | 0.4624% | 5,317 |
Return on Equity (ROE) | 2.5767% | 5,529 |
Retained earnings to average equity (ytd only) | 2.5767% | 4,588 |
Net charge-offs to loans | 0.6660% | 328 |
Credit loss provision to net charge-offs | 71.5631% | 2,731 |
Earnings coverage of net charge-offs (x) | 1.8053% | 3,776 |
Efficiency ratio | 75.1138% | 2,387 |
Assets per employee ($millions) | 8.1528% | 504 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0552% | 840 |
Loan loss allowance to noncurrent loans | 182.2857% | 2,437 |
Noncurrent assets plus other real estate owned to assets | 0.7699% | 2,971 |
Noncurrent loans to loans | 1.1274% | 2,250 |
Net loans and leases to total assets | 62.8913% | 3,468 |
Net loans and leases to deposits | 100.1997% | 650 |
Net loans and leases to core deposits | 298.3024% | 29 |
Total domestic deposits to total assets | 62.7659% | 6,152 |
Equity capital to assets | 10.8736% | 3,162 |
Core capital (leverage) ratio | 10.6208% | 2,904 |
Tier 1 risk-based capital ratio | 15.9751% | 2,809 |
Total risk-based capital ratio | 17.2362% | 2,748 |
Memoranda: | ||
Average total assets | $16,684,585,250 | 83 |
Average earning assets | $16,287,878,250 | 81 |
Average equity | $1,799,978,750 | 86 |
Average total loans | $10,630,659,000 | 86 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7759% | 4,148 |
Cost of funding earning assets | 1.1484% | 76 |
Net interest margin | 2.6275% | 5,852 |
Noninterest income to average assets | 0.6291% | 2,585 |
Noninterest expense to average assets | 2.4738% | 4,316 |
Loan and lease loss provision to assets | 0.2787% | 585 |
Net operating income to assets | 0.2203% | 5,646 |
Return on assets (ROA) | 0.2203% | 5,719 |
Pretax return on assets | 0.4411% | 5,374 |
Return on Equity (ROE) | 2.0471% | 5,667 |
Retained earnings to average equity (ytd only) | 2.0471% | 4,674 |
Net charge-offs to loans | 0.7238% | 313 |
Credit loss provision to net charge-offs | 60.5847% | 2,586 |
Earnings coverage of net charge-offs (x) | 1.5648% | 3,491 |
Efficiency ratio | 76.8474% | 2,221 |
Assets per employee ($millions) | 8.4095% | 448 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1003% | 854 |
Loan loss allowance to noncurrent loans | 186.7786% | 2,355 |
Noncurrent assets plus other real estate owned to assets | 0.7533% | 3,132 |
Noncurrent loans to loans | 1.1245% | 2,402 |
Net loans and leases to total assets | 62.2698% | 3,517 |
Net loans and leases to deposits | 97.7396% | 814 |
Net loans and leases to core deposits | 286.8187% | 30 |
Total domestic deposits to total assets | 63.7098% | 6,208 |
Equity capital to assets | 10.8321% | 3,073 |
Core capital (leverage) ratio | 10.5881% | 2,858 |
Tier 1 risk-based capital ratio | 16.1316% | 2,789 |
Total risk-based capital ratio | 17.3932% | 2,734 |
Memoranda: | ||
Average total assets | $16,658,723,000 | 86 |
Average earning assets | $16,258,993,670 | 79 |
Average equity | $1,792,422,000 | 87 |
Average total loans | $10,586,496,670 | 86 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7806% | 4,086 |
Cost of funding earning assets | 1.1421% | 75 |
Net interest margin | 2.6386% | 5,880 |
Noninterest income to average assets | 0.5903% | 2,696 |
Noninterest expense to average assets | 2.2952% | 4,897 |
Loan and lease loss provision to assets | 0.3450% | 374 |
Net operating income to assets | 0.3271% | 5,317 |
Return on assets (ROA) | 0.3271% | 5,427 |
Pretax return on assets | 0.5255% | 5,111 |
Return on Equity (ROE) | 3.0505% | 5,355 |
Retained earnings to average equity (ytd only) | 3.0505% | 4,150 |
Net charge-offs to loans | 0.7655% | 305 |
Credit loss provision to net charge-offs | 70.9531% | 1,907 |
Earnings coverage of net charge-offs (x) | 1.7902% | 2,866 |
Efficiency ratio | 71.8795% | 3,192 |
Assets per employee ($millions) | 8.4873% | 444 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2019% | 806 |
Loan loss allowance to noncurrent loans | 176.4611% | 2,453 |
Noncurrent assets plus other real estate owned to assets | 0.8279% | 3,025 |
Noncurrent loans to loans | 1.2478% | 2,295 |
Net loans and leases to total assets | 61.6102% | 3,432 |
Net loans and leases to deposits | 95.2123% | 888 |
Net loans and leases to core deposits | 270.8772% | 32 |
Total domestic deposits to total assets | 64.7082% | 6,265 |
Equity capital to assets | 10.8767% | 3,113 |
Core capital (leverage) ratio | 10.4350% | 3,055 |
Tier 1 risk-based capital ratio | 16.1350% | 2,859 |
Total risk-based capital ratio | 17.3978% | 2,789 |
Memoranda: | ||
Average total assets | $16,708,898,000 | 84 |
Average earning assets | $16,308,743,000 | 78 |
Average equity | $1,791,826,000 | 86 |
Average total loans | $10,613,715,500 | 86 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9377% | 3,981 |
Cost of funding earning assets | 1.1285% | 115 |
Net interest margin | 2.8092% | 5,791 |
Noninterest income to average assets | 0.5003% | 3,509 |
Noninterest expense to average assets | 2.2341% | 5,273 |
Loan and lease loss provision to assets | 0.3637% | 514 |
Net operating income to assets | 0.3974% | 5,235 |
Return on assets (ROA) | 0.3841% | 5,342 |
Pretax return on assets | 0.6266% | 4,850 |
Return on Equity (ROE) | 3.6905% | 5,233 |
Retained earnings to average equity (ytd only) | 3.6905% | 3,592 |
Net charge-offs to loans | 0.6420% | 607 |
Credit loss provision to net charge-offs | 86.6711% | 2,718 |
Earnings coverage of net charge-offs (x) | 2.3915% | 4,163 |
Efficiency ratio | 67.1327% | 4,037 |
Assets per employee ($millions) | 8.7853% | 382 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1953% | 829 |
Loan loss allowance to noncurrent loans | 177.2547% | 2,468 |
Noncurrent assets plus other real estate owned to assets | 0.8311% | 3,132 |
Noncurrent loans to loans | 1.2385% | 2,377 |
Net loans and leases to total assets | 62.6080% | 3,425 |
Net loans and leases to deposits | 99.9840% | 623 |
Net loans and leases to core deposits | 285.4071% | 32 |
Total domestic deposits to total assets | 62.6180% | 6,380 |
Equity capital to assets | 10.5696% | 3,396 |
Core capital (leverage) ratio | 10.2440% | 3,255 |
Tier 1 risk-based capital ratio | 15.2813% | 3,321 |
Total risk-based capital ratio | 16.5419% | 3,270 |
Memoranda: | ||
Average total assets | $16,627,043,400 | 83 |
Average earning assets | $16,201,906,800 | 74 |
Average equity | $1,730,438,200 | 85 |
Average total loans | $10,868,733,600 | 80 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9394% | 4,011 |
Cost of funding earning assets | 1.1200% | 126 |
Net interest margin | 2.8194% | 5,846 |
Noninterest income to average assets | 0.4631% | 3,789 |
Noninterest expense to average assets | 2.2386% | 5,257 |
Loan and lease loss provision to assets | 0.3582% | 489 |
Net operating income to assets | 0.3757% | 5,341 |
Return on assets (ROA) | 0.3757% | 5,420 |
Pretax return on assets | 0.6129% | 4,989 |
Return on Equity (ROE) | 3.6241% | 5,319 |
Retained earnings to average equity (ytd only) | 3.6241% | 4,070 |
Net charge-offs to loans | 0.6039% | 614 |
Credit loss provision to net charge-offs | 90.2726% | 2,425 |
Earnings coverage of net charge-offs (x) | 2.4472% | 3,910 |
Efficiency ratio | 67.7385% | 3,904 |
Assets per employee ($millions) | 9.2292% | 308 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1883% | 962 |
Loan loss allowance to noncurrent loans | 178.2581% | 2,363 |
Noncurrent assets plus other real estate owned to assets | 0.8300% | 3,344 |
Noncurrent loans to loans | 1.2276% | 2,596 |
Net loans and leases to total assets | 63.2431% | 3,301 |
Net loans and leases to deposits | 101.1596% | 550 |
Net loans and leases to core deposits | 280.3061% | 33 |
Total domestic deposits to total assets | 62.5181% | 6,458 |
Equity capital to assets | 10.2784% | 3,815 |
Core capital (leverage) ratio | 9.9212% | 3,776 |
Tier 1 risk-based capital ratio | 14.6467% | 3,792 |
Total risk-based capital ratio | 15.9072% | 3,726 |
Memoranda: | ||
Average total assets | $16,580,054,750 | 82 |
Average earning assets | $16,152,532,250 | 73 |
Average equity | $1,718,729,000 | 85 |
Average total loans | $10,894,958,000 | 81 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9345% | 3,993 |
Cost of funding earning assets | 1.1106% | 141 |
Net interest margin | 2.8239% | 5,856 |
Noninterest income to average assets | 0.4439% | 3,913 |
Noninterest expense to average assets | 2.2415% | 5,308 |
Loan and lease loss provision to assets | 0.3504% | 514 |
Net operating income to assets | 0.3683% | 5,337 |
Return on assets (ROA) | 0.3683% | 5,408 |
Pretax return on assets | 0.6016% | 4,950 |
Return on Equity (ROE) | 3.5421% | 5,330 |
Retained earnings to average equity (ytd only) | 3.5421% | 3,946 |
Net charge-offs to loans | 0.6187% | 641 |
Credit loss provision to net charge-offs | 85.7096% | 2,252 |
Earnings coverage of net charge-offs (x) | 2.3287% | 3,575 |
Efficiency ratio | 68.1663% | 3,974 |
Assets per employee ($millions) | 10.0222% | 232 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1793% | 1,058 |
Loan loss allowance to noncurrent loans | 175.6305% | 2,373 |
Noncurrent assets plus other real estate owned to assets | 0.8158% | 3,519 |
Noncurrent loans to loans | 1.2408% | 2,745 |
Net loans and leases to total assets | 62.0166% | 3,399 |
Net loans and leases to deposits | 102.9170% | 402 |
Net loans and leases to core deposits | 288.6632% | 30 |
Total domestic deposits to total assets | 60.2588% | 6,557 |
Equity capital to assets | 10.0250% | 4,070 |
Core capital (leverage) ratio | 9.6045% | 4,166 |
Tier 1 risk-based capital ratio | 14.3449% | 4,029 |
Total risk-based capital ratio | 15.6051% | 3,959 |
Memoranda: | ||
Average total assets | $16,433,829,000 | 79 |
Average earning assets | $16,001,331,330 | 73 |
Average equity | $1,708,555,330 | 83 |
Average total loans | $10,858,621,000 | 80 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0312% | 3,561 |
Cost of funding earning assets | 1.1330% | 134 |
Net interest margin | 2.8982% | 5,755 |
Noninterest income to average assets | 0.4515% | 3,776 |
Noninterest expense to average assets | 2.2677% | 5,281 |
Loan and lease loss provision to assets | 0.4170% | 399 |
Net operating income to assets | 0.3587% | 5,277 |
Return on assets (ROA) | 0.3587% | 5,338 |
Pretax return on assets | 0.5866% | 4,874 |
Return on Equity (ROE) | 3.3845% | 5,323 |
Retained earnings to average equity (ytd only) | 3.3845% | 4,100 |
Net charge-offs to loans | 0.6174% | 599 |
Credit loss provision to net charge-offs | 100.0000% | 1,649 |
Earnings coverage of net charge-offs (x) | 2.4068% | 2,882 |
Efficiency ratio | 67.2830% | 4,316 |
Assets per employee ($millions) | 9.2887% | 311 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2803% | 1,057 |
Loan loss allowance to noncurrent loans | 164.7007% | 2,475 |
Noncurrent assets plus other real estate owned to assets | 0.9520% | 3,347 |
Noncurrent loans to loans | 1.3845% | 2,711 |
Net loans and leases to total assets | 65.3464% | 2,665 |
Net loans and leases to deposits | 99.4234% | 470 |
Net loans and leases to core deposits | 277.6327% | 31 |
Total domestic deposits to total assets | 65.7253% | 6,563 |
Equity capital to assets | 10.5677% | 3,185 |
Core capital (leverage) ratio | 9.9197% | 3,677 |
Tier 1 risk-based capital ratio | 14.1892% | 4,198 |
Total risk-based capital ratio | 15.4509% | 4,139 |
Memoranda: | ||
Average total assets | $15,936,449,500 | 84 |
Average earning assets | $15,505,474,500 | 75 |
Average equity | $1,689,227,500 | 84 |
Average total loans | $10,763,226,000 | 80 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2919% | 2,993 |
Cost of funding earning assets | 1.2059% | 171 |
Net interest margin | 3.0860% | 5,355 |
Noninterest income to average assets | 0.6272% | 2,934 |
Noninterest expense to average assets | 2.4777% | 4,838 |
Loan and lease loss provision to assets | 0.6206% | 392 |
Net operating income to assets | 0.3287% | 5,418 |
Return on assets (ROA) | 0.3287% | 5,527 |
Pretax return on assets | 0.5263% | 5,117 |
Return on Equity (ROE) | 2.8478% | 5,561 |
Retained earnings to average equity (ytd only) | 2.8478% | 4,221 |
Net charge-offs to loans | 0.9134% | 665 |
Credit loss provision to net charge-offs | 94.6774% | 2,640 |
Earnings coverage of net charge-offs (x) | 1.7497% | 4,464 |
Efficiency ratio | 66.1339% | 4,536 |
Assets per employee ($millions) | 9.3847% | 284 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2834% | 1,060 |
Loan loss allowance to noncurrent loans | 159.1539% | 2,545 |
Noncurrent assets plus other real estate owned to assets | 1.0691% | 3,272 |
Noncurrent loans to loans | 1.4347% | 2,740 |
Net loans and leases to total assets | 66.6623% | 2,584 |
Net loans and leases to deposits | 102.3522% | 383 |
Net loans and leases to core deposits | 291.7711% | 31 |
Total domestic deposits to total assets | 65.1303% | 6,649 |
Equity capital to assets | 10.6325% | 2,998 |
Core capital (leverage) ratio | 9.9700% | 3,617 |
Tier 1 risk-based capital ratio | 14.0561% | 4,261 |
Total risk-based capital ratio | 15.3179% | 4,196 |
Memoranda: | ||
Average total assets | $14,617,860,000 | 82 |
Average earning assets | $14,198,384,000 | 76 |
Average equity | $1,687,029,400 | 81 |
Average total loans | $10,490,301,400 | 73 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3101% | 2,944 |
Cost of funding earning assets | 1.2160% | 186 |
Net interest margin | 3.0941% | 5,332 |
Noninterest income to average assets | 0.7056% | 2,573 |
Noninterest expense to average assets | 2.5524% | 4,541 |
Loan and lease loss provision to assets | 0.6188% | 384 |
Net operating income to assets | 0.3344% | 5,485 |
Return on assets (ROA) | 0.3344% | 5,611 |
Pretax return on assets | 0.5388% | 5,237 |
Return on Equity (ROE) | 2.8362% | 5,664 |
Retained earnings to average equity (ytd only) | 2.8362% | 4,624 |
Net charge-offs to loans | 0.9160% | 637 |
Credit loss provision to net charge-offs | 92.8786% | 2,561 |
Earnings coverage of net charge-offs (x) | 1.7375% | 4,255 |
Efficiency ratio | 66.5379% | 4,388 |
Assets per employee ($millions) | 8.3621% | 399 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3354% | 1,127 |
Loan loss allowance to noncurrent loans | 149.2927% | 2,550 |
Noncurrent assets plus other real estate owned to assets | 1.1974% | 3,259 |
Noncurrent loans to loans | 1.5643% | 2,814 |
Net loans and leases to total assets | 68.8082% | 2,175 |
Net loans and leases to deposits | 102.6182% | 347 |
Net loans and leases to core deposits | 289.8288% | 33 |
Total domestic deposits to total assets | 67.0527% | 6,684 |
Equity capital to assets | 11.2717% | 2,495 |
Core capital (leverage) ratio | 10.5040% | 3,000 |
Tier 1 risk-based capital ratio | 14.4646% | 4,093 |
Total risk-based capital ratio | 15.7274% | 4,040 |
Memoranda: | ||
Average total assets | $14,330,738,500 | 83 |
Average earning assets | $13,915,675,500 | 79 |
Average equity | $1,689,698,000 | 81 |
Average total loans | $10,423,925,250 | 73 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3602% | 2,717 |
Cost of funding earning assets | 1.2257% | 196 |
Net interest margin | 3.1345% | 5,176 |
Noninterest income to average assets | 0.9496% | 1,658 |
Noninterest expense to average assets | 2.5925% | 4,417 |
Loan and lease loss provision to assets | 0.6965% | 340 |
Net operating income to assets | 0.4383% | 5,067 |
Return on assets (ROA) | 0.4383% | 5,231 |
Pretax return on assets | 0.7028% | 4,677 |
Return on Equity (ROE) | 3.6607% | 5,351 |
Retained earnings to average equity (ytd only) | 3.6607% | 3,980 |
Net charge-offs to loans | 0.9471% | 651 |
Credit loss provision to net charge-offs | 100.0000% | 2,196 |
Earnings coverage of net charge-offs (x) | 2.0090% | 3,845 |
Efficiency ratio | 62.8184% | 5,045 |
Assets per employee ($millions) | 8.2182% | 423 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4359% | 1,052 |
Loan loss allowance to noncurrent loans | 146.1433% | 2,570 |
Noncurrent assets plus other real estate owned to assets | 1.3832% | 3,029 |
Noncurrent loans to loans | 1.6668% | 2,815 |
Net loans and leases to total assets | 71.7028% | 1,625 |
Net loans and leases to deposits | 103.4837% | 281 |
Net loans and leases to core deposits | 286.0583% | 34 |
Total domestic deposits to total assets | 69.2890% | 6,677 |
Equity capital to assets | 11.9780% | 1,927 |
Core capital (leverage) ratio | 11.2311% | 2,146 |
Tier 1 risk-based capital ratio | 15.1038% | 3,704 |
Total risk-based capital ratio | 16.3684% | 3,666 |
Memoranda: | ||
Average total assets | $14,132,181,000 | 83 |
Average earning assets | $13,716,037,330 | 80 |
Average equity | $1,692,112,330 | 80 |
Average total loans | $10,393,166,330 | 73 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3819% | 2,588 |
Cost of funding earning assets | 1.2188% | 214 |
Net interest margin | 3.1631% | 5,052 |
Noninterest income to average assets | 0.7812% | 2,206 |
Noninterest expense to average assets | 2.6085% | 4,377 |
Loan and lease loss provision to assets | 0.7326% | 318 |
Net operating income to assets | 0.3159% | 5,510 |
Return on assets (ROA) | 0.3159% | 5,639 |
Pretax return on assets | 0.5078% | 5,226 |
Return on Equity (ROE) | 2.6387% | 5,727 |
Retained earnings to average equity (ytd only) | 2.6387% | 4,701 |
Net charge-offs to loans | 0.9958% | 613 |
Credit loss provision to net charge-offs | 100.0000% | 1,815 |
Earnings coverage of net charge-offs (x) | 1.6931% | 3,266 |
Efficiency ratio | 65.5574% | 4,736 |
Assets per employee ($millions) | 8.3600% | 421 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4243% | 1,209 |
Loan loss allowance to noncurrent loans | 144.3625% | 2,461 |
Noncurrent assets plus other real estate owned to assets | 1.3819% | 3,197 |
Noncurrent loans to loans | 1.6793% | 3,027 |
Net loans and leases to total assets | 71.3359% | 1,466 |
Net loans and leases to deposits | 104.1234% | 228 |
Net loans and leases to core deposits | 282.3071% | 33 |
Total domestic deposits to total assets | 68.5109% | 6,793 |
Equity capital to assets | 12.0289% | 2,018 |
Core capital (leverage) ratio | 11.0372% | 2,229 |
Tier 1 risk-based capital ratio | 14.6125% | 4,100 |
Total risk-based capital ratio | 15.8765% | 4,048 |
Memoranda: | ||
Average total assets | $14,196,330,500 | 85 |
Average earning assets | $13,768,508,500 | 79 |
Average equity | $1,699,475,500 | 79 |
Average total loans | $10,443,811,000 | 72 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6588% | 2,758 |
Cost of funding earning assets | 1.4391% | 216 |
Net interest margin | 3.2197% | 5,520 |
Noninterest income to average assets | 0.7269% | 2,599 |
Noninterest expense to average assets | 2.4500% | 5,253 |
Loan and lease loss provision to assets | 1.0180% | 396 |
Net operating income to assets | 0.3630% | 5,242 |
Return on assets (ROA) | 0.3630% | 5,468 |
Pretax return on assets | 0.3755% | 5,640 |
Return on Equity (ROE) | 3.1481% | 5,496 |
Retained earnings to average equity (ytd only) | 3.1481% | 4,023 |
Net charge-offs to loans | 1.7803% | 462 |
Credit loss provision to net charge-offs | 78.2718% | 3,881 |
Earnings coverage of net charge-offs (x) | 1.0714% | 4,927 |
Efficiency ratio | 61.0909% | 5,372 |
Assets per employee ($millions) | 8.6349% | 380 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3771% | 1,269 |
Loan loss allowance to noncurrent loans | 140.5592% | 2,504 |
Noncurrent assets plus other real estate owned to assets | 1.4082% | 3,288 |
Noncurrent loans to loans | 1.6912% | 3,086 |
Net loans and leases to total assets | 72.2628% | 1,450 |
Net loans and leases to deposits | 110.9406% | 144 |
Net loans and leases to core deposits | 305.0089% | 35 |
Total domestic deposits to total assets | 65.1365% | 6,915 |
Equity capital to assets | 11.9140% | 2,106 |
Core capital (leverage) ratio | 10.4414% | 2,832 |
Tier 1 risk-based capital ratio | 13.7355% | 4,576 |
Total risk-based capital ratio | 14.9991% | 4,524 |
Memoranda: | ||
Average total assets | $14,479,621,200 | 81 |
Average earning assets | $14,016,075,600 | 74 |
Average equity | $1,669,375,600 | 79 |
Average total loans | $10,578,113,200 | 73 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7638% | 2,526 |
Cost of funding earning assets | 1.4798% | 223 |
Net interest margin | 3.2840% | 5,442 |
Noninterest income to average assets | 0.6225% | 3,145 |
Noninterest expense to average assets | 2.4128% | 5,357 |
Loan and lease loss provision to assets | 1.0071% | 405 |
Net operating income to assets | 0.2612% | 5,746 |
Return on assets (ROA) | 0.2612% | 5,936 |
Pretax return on assets | 0.3813% | 5,760 |
Return on Equity (ROE) | 2.2839% | 5,949 |
Retained earnings to average equity (ytd only) | 2.2839% | 5,193 |
Net charge-offs to loans | 1.4928% | 575 |
Credit loss provision to net charge-offs | 92.6430% | 3,217 |
Earnings coverage of net charge-offs (x) | 1.2772% | 4,646 |
Efficiency ratio | 60.7211% | 5,371 |
Assets per employee ($millions) | 8.8912% | 344 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6606% | 1,017 |
Loan loss allowance to noncurrent loans | 165.1923% | 2,095 |
Noncurrent assets plus other real estate owned to assets | 1.4150% | 3,480 |
Noncurrent loans to loans | 1.6106% | 3,372 |
Net loans and leases to total assets | 71.6352% | 1,616 |
Net loans and leases to deposits | 111.5735% | 137 |
Net loans and leases to core deposits | 300.8708% | 37 |
Total domestic deposits to total assets | 64.2045% | 7,014 |
Equity capital to assets | 11.6460% | 2,597 |
Core capital (leverage) ratio | 10.1601% | 3,336 |
Tier 1 risk-based capital ratio | 13.3921% | 4,955 |
Total risk-based capital ratio | 14.6591% | 4,900 |
Memoranda: | ||
Average total assets | $14,537,621,000 | 80 |
Average earning assets | $14,071,273,000 | 76 |
Average equity | $1,662,355,500 | 80 |
Average total loans | $10,586,033,000 | 74 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8212% | 2,423 |
Cost of funding earning assets | 1.5315% | 210 |
Net interest margin | 3.2897% | 5,473 |
Noninterest income to average assets | 0.6052% | 3,225 |
Noninterest expense to average assets | 2.3787% | 5,529 |
Loan and lease loss provision to assets | 1.0101% | 436 |
Net operating income to assets | 0.2760% | 5,687 |
Return on assets (ROA) | 0.2760% | 5,882 |
Pretax return on assets | 0.3978% | 5,715 |
Return on Equity (ROE) | 2.4287% | 5,905 |
Retained earnings to average equity (ytd only) | 2.4287% | 4,976 |
Net charge-offs to loans | 1.5192% | 650 |
Credit loss provision to net charge-offs | 91.6305% | 2,989 |
Earnings coverage of net charge-offs (x) | 1.2772% | 4,371 |
Efficiency ratio | 59.9481% | 5,584 |
Assets per employee ($millions) | 9.2247% | 300 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7034% | 1,030 |
Loan loss allowance to noncurrent loans | 168.4752% | 1,992 |
Noncurrent assets plus other real estate owned to assets | 1.4173% | 3,597 |
Noncurrent loans to loans | 1.6046% | 3,500 |
Net loans and leases to total assets | 70.6647% | 1,792 |
Net loans and leases to deposits | 108.5326% | 172 |
Net loans and leases to core deposits | 297.7152% | 38 |
Total domestic deposits to total assets | 65.1092% | 7,062 |
Equity capital to assets | 11.4902% | 2,607 |
Core capital (leverage) ratio | 10.0302% | 3,383 |
Tier 1 risk-based capital ratio | 13.2523% | 4,999 |
Total risk-based capital ratio | 14.5195% | 4,957 |
Memoranda: | ||
Average total assets | $14,567,406,000 | 78 |
Average earning assets | $14,087,904,330 | 74 |
Average equity | $1,655,591,000 | 82 |
Average total loans | $10,570,394,330 | 72 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8910% | 2,283 |
Cost of funding earning assets | 1.5790% | 202 |
Net interest margin | 3.3121% | 5,431 |
Noninterest income to average assets | 0.6496% | 2,932 |
Noninterest expense to average assets | 2.4245% | 5,392 |
Loan and lease loss provision to assets | 1.0656% | 377 |
Net operating income to assets | 0.2350% | 5,868 |
Return on assets (ROA) | 0.2350% | 6,019 |
Pretax return on assets | 0.3598% | 5,835 |
Return on Equity (ROE) | 2.0791% | 6,051 |
Retained earnings to average equity (ytd only) | 2.0791% | 5,228 |
Net charge-offs to loans | 1.6513% | 586 |
Credit loss provision to net charge-offs | 88.9708% | 2,564 |
Earnings coverage of net charge-offs (x) | 1.1901% | 3,741 |
Efficiency ratio | 60.0093% | 5,609 |
Assets per employee ($millions) | 10.0873% | 231 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7391% | 1,071 |
Loan loss allowance to noncurrent loans | 181.7882% | 1,812 |
Noncurrent assets plus other real estate owned to assets | 1.4032% | 3,766 |
Noncurrent loans to loans | 1.5067% | 3,860 |
Net loans and leases to total assets | 70.4519% | 1,679 |
Net loans and leases to deposits | 105.3454% | 223 |
Net loans and leases to core deposits | 292.2547% | 37 |
Total domestic deposits to total assets | 66.8770% | 7,085 |
Equity capital to assets | 11.4598% | 2,476 |
Core capital (leverage) ratio | 9.8987% | 3,497 |
Tier 1 risk-based capital ratio | 13.2007% | 5,070 |
Total risk-based capital ratio | 14.4682% | 5,030 |
Memoranda: | ||
Average total assets | $14,595,845,500 | 78 |
Average earning assets | $14,103,162,500 | 73 |
Average equity | $1,649,739,000 | 81 |
Average total loans | $10,586,231,500 | 70 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1937% | 2,084 |
Cost of funding earning assets | 1.7514% | 257 |
Net interest margin | 3.4422% | 5,360 |
Noninterest income to average assets | 0.4600% | 4,138 |
Noninterest expense to average assets | 2.4353% | 5,681 |
Loan and lease loss provision to assets | 1.0029% | 944 |
Net operating income to assets | 0.2155% | 5,543 |
Return on assets (ROA) | 0.2155% | 5,680 |
Pretax return on assets | 0.3384% | 5,455 |
Return on Equity (ROE) | 1.9654% | 5,671 |
Retained earnings to average equity (ytd only) | 1.9654% | 4,809 |
Net charge-offs to loans | 1.5343% | 1,037 |
Credit loss provision to net charge-offs | 89.3014% | 4,040 |
Earnings coverage of net charge-offs (x) | 1.1943% | 4,891 |
Efficiency ratio | 61.1417% | 5,585 |
Assets per employee ($millions) | 11.2065% | 171 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7250% | 1,059 |
Loan loss allowance to noncurrent loans | 184.0791% | 1,793 |
Noncurrent assets plus other real estate owned to assets | 1.3769% | 3,941 |
Noncurrent loans to loans | 1.4803% | 3,931 |
Net loans and leases to total assets | 70.6416% | 1,891 |
Net loans and leases to deposits | 108.0864% | 204 |
Net loans and leases to core deposits | 308.8700% | 42 |
Total domestic deposits to total assets | 65.3566% | 7,144 |
Equity capital to assets | 11.1487% | 2,844 |
Core capital (leverage) ratio | 9.9850% | 3,354 |
Tier 1 risk-based capital ratio | 13.1130% | 4,980 |
Total risk-based capital ratio | 14.3811% | 4,945 |
Memoranda: | ||
Average total assets | $14,855,271,800 | 74 |
Average earning assets | $14,312,774,600 | 72 |
Average equity | $1,629,151,200 | 80 |
Average total loans | $10,874,025,800 | 69 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2604% | 1,988 |
Cost of funding earning assets | 1.7793% | 284 |
Net interest margin | 3.4811% | 5,264 |
Noninterest income to average assets | 0.4327% | 4,418 |
Noninterest expense to average assets | 2.4220% | 5,707 |
Loan and lease loss provision to assets | 1.0506% | 801 |
Net operating income to assets | 0.2089% | 5,679 |
Return on assets (ROA) | 0.2089% | 5,809 |
Pretax return on assets | 0.3135% | 5,673 |
Return on Equity (ROE) | 1.9131% | 5,806 |
Retained earnings to average equity (ytd only) | 1.9131% | 5,184 |
Net charge-offs to loans | 1.5158% | 957 |
Credit loss provision to net charge-offs | 94.5065% | 3,620 |
Earnings coverage of net charge-offs (x) | 1.2270% | 4,702 |
Efficiency ratio | 60.6708% | 5,613 |
Assets per employee ($millions) | 11.2262% | 178 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8484% | 981 |
Loan loss allowance to noncurrent loans | 162.8376% | 1,881 |
Noncurrent assets plus other real estate owned to assets | 1.5113% | 3,842 |
Noncurrent loans to loans | 1.7492% | 3,701 |
Net loans and leases to total assets | 70.1661% | 2,053 |
Net loans and leases to deposits | 105.6892% | 260 |
Net loans and leases to core deposits | 307.0920% | 42 |
Total domestic deposits to total assets | 66.3891% | 7,192 |
Equity capital to assets | 11.2141% | 2,953 |
Core capital (leverage) ratio | 9.8679% | 3,623 |
Tier 1 risk-based capital ratio | 12.9644% | 5,122 |
Total risk-based capital ratio | 14.2339% | 5,079 |
Memoranda: | ||
Average total assets | $14,884,945,000 | 73 |
Average earning assets | $14,338,654,250 | 72 |
Average equity | $1,625,703,000 | 81 |
Average total loans | $10,917,090,000 | 70 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3212% | 1,815 |
Cost of funding earning assets | 1.7855% | 330 |
Net interest margin | 3.5357% | 4,992 |
Noninterest income to average assets | 0.4137% | 4,563 |
Noninterest expense to average assets | 2.4930% | 5,570 |
Loan and lease loss provision to assets | 1.0852% | 761 |
Net operating income to assets | 0.1592% | 5,855 |
Return on assets (ROA) | 0.1593% | 5,954 |
Pretax return on assets | 0.2395% | 5,834 |
Return on Equity (ROE) | 1.4711% | 5,949 |
Retained earnings to average equity (ytd only) | 1.4711% | 5,248 |
Net charge-offs to loans | 1.6506% | 884 |
Credit loss provision to net charge-offs | 89.1931% | 3,475 |
Earnings coverage of net charge-offs (x) | 1.0887% | 4,463 |
Efficiency ratio | 61.9700% | 5,590 |
Assets per employee ($millions) | 10.9847% | 188 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7844% | 1,091 |
Loan loss allowance to noncurrent loans | 160.2488% | 1,852 |
Noncurrent assets plus other real estate owned to assets | 1.4432% | 4,047 |
Noncurrent loans to loans | 1.7375% | 3,831 |
Net loans and leases to total assets | 70.6389% | 2,084 |
Net loans and leases to deposits | 106.0560% | 261 |
Net loans and leases to core deposits | 314.3479% | 47 |
Total domestic deposits to total assets | 66.6052% | 7,250 |
Equity capital to assets | 11.0233% | 2,926 |
Core capital (leverage) ratio | 9.8779% | 3,414 |
Tier 1 risk-based capital ratio | 12.8420% | 5,051 |
Total risk-based capital ratio | 14.1095% | 5,011 |
Memoranda: | ||
Average total assets | $14,936,981,670 | 75 |
Average earning assets | $14,379,962,670 | 73 |
Average equity | $1,617,033,000 | 83 |
Average total loans | $11,010,235,330 | 71 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3225% | 1,802 |
Cost of funding earning assets | 1.7670% | 425 |
Net interest margin | 3.5554% | 4,787 |
Noninterest income to average assets | 0.3733% | 4,924 |
Noninterest expense to average assets | 2.4654% | 5,690 |
Loan and lease loss provision to assets | 1.1139% | 653 |
Net operating income to assets | 0.1015% | 6,092 |
Return on assets (ROA) | 0.1015% | 6,145 |
Pretax return on assets | 0.2150% | 5,901 |
Return on Equity (ROE) | 0.9463% | 6,151 |
Retained earnings to average equity (ytd only) | 0.9463% | 5,453 |
Net charge-offs to loans | 1.5003% | 910 |
Credit loss provision to net charge-offs | 100.0191% | 2,646 |
Earnings coverage of net charge-offs (x) | 1.1932% | 3,765 |
Efficiency ratio | 62.7026% | 5,565 |
Assets per employee ($millions) | 10.8104% | 201 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8092% | 1,099 |
Loan loss allowance to noncurrent loans | 177.8695% | 1,652 |
Noncurrent assets plus other real estate owned to assets | 1.3854% | 4,210 |
Noncurrent loans to loans | 1.5793% | 4,109 |
Net loans and leases to total assets | 71.6726% | 1,783 |
Net loans and leases to deposits | 110.7083% | 171 |
Net loans and leases to core deposits | 342.1943% | 43 |
Total domestic deposits to total assets | 64.7400% | 7,358 |
Equity capital to assets | 10.8058% | 2,876 |
Core capital (leverage) ratio | 9.7502% | 3,445 |
Tier 1 risk-based capital ratio | 12.5146% | 5,249 |
Total risk-based capital ratio | 13.7832% | 5,210 |
Memoranda: | ||
Average total assets | $15,007,308,500 | 76 |
Average earning assets | $14,439,460,500 | 73 |
Average equity | $1,610,028,500 | 83 |
Average total loans | $11,139,697,000 | 69 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6721% | 1,676 |
Cost of funding earning assets | 2.2572% | 246 |
Net interest margin | 3.4149% | 5,572 |
Noninterest income to average assets | 0.4369% | 4,617 |
Noninterest expense to average assets | 2.4072% | 6,078 |
Loan and lease loss provision to assets | 1.6692% | 853 |
Net operating income to assets | -0.2253% | 6,139 |
Return on assets (ROA) | -0.2249% | 6,192 |
Pretax return on assets | -0.3572% | 6,209 |
Return on Equity (ROE) | -2.3733% | 6,215 |
Retained earnings to average equity (ytd only) | -2.3733% | 6,023 |
Net charge-offs to loans | 2.8592% | 605 |
Credit loss provision to net charge-offs | 79.1742% | 5,584 |
Earnings coverage of net charge-offs (x) | 0.6220% | 5,487 |
Efficiency ratio | 60.6735% | 5,939 |
Assets per employee ($millions) | 11.2401% | 185 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7941% | 1,065 |
Loan loss allowance to noncurrent loans | 157.0300% | 1,894 |
Noncurrent assets plus other real estate owned to assets | 1.5446% | 3,998 |
Noncurrent loans to loans | 1.7794% | 3,843 |
Net loans and leases to total assets | 72.6183% | 1,962 |
Net loans and leases to deposits | 117.0328% | 138 |
Net loans and leases to core deposits | 363.4317% | 42 |
Total domestic deposits to total assets | 62.0495% | 7,480 |
Equity capital to assets | 10.6519% | 3,022 |
Core capital (leverage) ratio | 9.5635% | 3,617 |
Tier 1 risk-based capital ratio | 12.1622% | 5,325 |
Total risk-based capital ratio | 13.4307% | 5,283 |
Memoranda: | ||
Average total assets | $15,630,694,400 | 73 |
Average earning assets | $15,020,676,400 | 72 |
Average equity | $1,481,288,600 | 84 |
Average total loans | $11,525,211,400 | 67 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7439% | 1,567 |
Cost of funding earning assets | 2.3539% | 227 |
Net interest margin | 3.3900% | 5,716 |
Noninterest income to average assets | 0.4254% | 4,759 |
Noninterest expense to average assets | 2.4706% | 5,818 |
Loan and lease loss provision to assets | 1.7910% | 698 |
Net operating income to assets | -0.3748% | 6,494 |
Return on assets (ROA) | -0.3743% | 6,539 |
Pretax return on assets | -0.5780% | 6,603 |
Return on Equity (ROE) | -4.0702% | 6,571 |
Retained earnings to average equity (ytd only) | -4.0702% | 6,465 |
Net charge-offs to loans | 2.8395% | 568 |
Credit loss provision to net charge-offs | 85.8130% | 4,923 |
Earnings coverage of net charge-offs (x) | 0.5808% | 5,438 |
Efficiency ratio | 63.3209% | 5,376 |
Assets per employee ($millions) | 11.5775% | 183 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0535% | 784 |
Loan loss allowance to noncurrent loans | 193.0696% | 1,491 |
Noncurrent assets plus other real estate owned to assets | 1.3787% | 4,410 |
Noncurrent loans to loans | 1.5816% | 4,271 |
Net loans and leases to total assets | 71.4640% | 2,362 |
Net loans and leases to deposits | 112.6514% | 209 |
Net loans and leases to core deposits | 362.3927% | 40 |
Total domestic deposits to total assets | 63.4382% | 7,534 |
Equity capital to assets | 9.9554% | 4,212 |
Core capital (leverage) ratio | 8.7962% | 5,020 |
Tier 1 risk-based capital ratio | 11.3082% | 6,093 |
Total risk-based capital ratio | 12.5800% | 6,068 |
Memoranda: | ||
Average total assets | $15,758,882,750 | 73 |
Average earning assets | $15,142,787,000 | 71 |
Average equity | $1,449,023,750 | 87 |
Average total loans | $11,583,022,750 | 67 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7870% | 1,453 |
Cost of funding earning assets | 2.4366% | 214 |
Net interest margin | 3.3504% | 5,834 |
Noninterest income to average assets | 0.4204% | 4,748 |
Noninterest expense to average assets | 2.4761% | 5,811 |
Loan and lease loss provision to assets | 2.0911% | 588 |
Net operating income to assets | -0.5944% | 6,735 |
Return on assets (ROA) | -0.5936% | 6,767 |
Pretax return on assets | -0.9255% | 6,854 |
Return on Equity (ROE) | -6.6324% | 6,810 |
Retained earnings to average equity (ytd only) | -6.6324% | 6,708 |
Net charge-offs to loans | 3.0164% | 519 |
Credit loss provision to net charge-offs | 94.4061% | 4,287 |
Earnings coverage of net charge-offs (x) | 0.5257% | 5,206 |
Efficiency ratio | 64.5881% | 5,229 |
Assets per employee ($millions) | 12.0175% | 160 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2737% | 658 |
Loan loss allowance to noncurrent loans | 209.2851% | 1,347 |
Noncurrent assets plus other real estate owned to assets | 1.3062% | 4,539 |
Noncurrent loans to loans | 1.5642% | 4,364 |
Net loans and leases to total assets | 69.7103% | 2,974 |
Net loans and leases to deposits | 109.8018% | 283 |
Net loans and leases to core deposits | 360.9405% | 42 |
Total domestic deposits to total assets | 63.4873% | 7,598 |
Equity capital to assets | 9.0778% | 5,327 |
Core capital (leverage) ratio | 7.9299% | 6,352 |
Tier 1 risk-based capital ratio | 10.4376% | 6,731 |
Total risk-based capital ratio | 11.7120% | 6,697 |
Memoranda: | ||
Average total assets | $15,894,581,330 | 72 |
Average earning assets | $15,276,243,670 | 69 |
Average equity | $1,422,589,000 | 86 |
Average total loans | $11,671,842,330 | 66 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7997% | 1,460 |
Cost of funding earning assets | 2.5499% | 193 |
Net interest margin | 3.2498% | 6,132 |
Noninterest income to average assets | 0.3432% | 5,395 |
Noninterest expense to average assets | 2.4025% | 6,073 |
Loan and lease loss provision to assets | 2.3115% | 465 |
Net operating income to assets | -0.8217% | 7,015 |
Return on assets (ROA) | -0.8217% | 7,044 |
Pretax return on assets | -1.2459% | 7,167 |
Return on Equity (ROE) | -9.2452% | 7,107 |
Retained earnings to average equity (ytd only) | -9.2452% | 6,914 |
Net charge-offs to loans | 3.4958% | 407 |
Credit loss provision to net charge-offs | 89.2371% | 3,676 |
Earnings coverage of net charge-offs (x) | 0.4114% | 4,665 |
Efficiency ratio | 65.7026% | 5,181 |
Assets per employee ($millions) | 12.5420% | 152 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1181% | 744 |
Loan loss allowance to noncurrent loans | 165.9323% | 1,685 |
Noncurrent assets plus other real estate owned to assets | 1.4222% | 4,376 |
Noncurrent loans to loans | 1.8792% | 3,953 |
Net loans and leases to total assets | 70.7635% | 2,744 |
Net loans and leases to deposits | 109.9099% | 292 |
Net loans and leases to core deposits | 367.4706% | 43 |
Total domestic deposits to total assets | 64.3832% | 7,670 |
Equity capital to assets | 8.9030% | 5,409 |
Core capital (leverage) ratio | 7.8651% | 6,421 |
Tier 1 risk-based capital ratio | 10.3384% | 6,771 |
Total risk-based capital ratio | 11.6115% | 6,750 |
Memoranda: | ||
Average total assets | $16,030,466,000 | 69 |
Average earning assets | $15,414,737,500 | 66 |
Average equity | $1,424,777,500 | 84 |
Average total loans | $11,878,114,500 | 63 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9939% | 1,898 |
Cost of funding earning assets | 2.9970% | 233 |
Net interest margin | 2.9969% | 6,657 |
Noninterest income to average assets | 0.4319% | 4,940 |
Noninterest expense to average assets | 2.2442% | 6,884 |
Loan and lease loss provision to assets | 2.5593% | 770 |
Net operating income to assets | -0.9423% | 6,537 |
Return on assets (ROA) | -0.9636% | 6,556 |
Pretax return on assets | -1.5035% | 6,706 |
Return on Equity (ROE) | -10.8789% | 6,688 |
Retained earnings to average equity (ytd only) | -10.8789% | 6,589 |
Net charge-offs to loans | 2.9705% | 719 |
Credit loss provision to net charge-offs | 112.7334% | 4,867 |
Earnings coverage of net charge-offs (x) | 0.4798% | 5,629 |
Efficiency ratio | 65.4113% | 5,513 |
Assets per employee ($millions) | 12.7527% | 149 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0387% | 747 |
Loan loss allowance to noncurrent loans | 196.1890% | 1,518 |
Noncurrent assets plus other real estate owned to assets | 1.2140% | 4,669 |
Noncurrent loans to loans | 1.5488% | 4,329 |
Net loans and leases to total assets | 72.8535% | 2,541 |
Net loans and leases to deposits | 112.5833% | 304 |
Net loans and leases to core deposits | 148.0882% | 557 |
Total domestic deposits to total assets | 64.7107% | 7,681 |
Equity capital to assets | 8.8732% | 5,319 |
Core capital (leverage) ratio | 8.6621% | 4,992 |
Tier 1 risk-based capital ratio | 11.1728% | 5,752 |
Total risk-based capital ratio | 12.4448% | 5,683 |
Memoranda: | ||
Average total assets | $16,372,627,800 | 70 |
Average earning assets | $15,850,847,200 | 66 |
Average equity | $1,450,233,000 | 80 |
Average total loans | $12,512,823,400 | 62 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0036% | 2,025 |
Cost of funding earning assets | 3.0945% | 247 |
Net interest margin | 2.9092% | 6,838 |
Noninterest income to average assets | 0.4640% | 4,789 |
Noninterest expense to average assets | 2.4150% | 6,368 |
Loan and lease loss provision to assets | 2.4464% | 685 |
Net operating income to assets | -0.9963% | 6,826 |
Return on assets (ROA) | -1.0001% | 6,838 |
Pretax return on assets | -1.5819% | 7,004 |
Return on Equity (ROE) | -11.2953% | 6,974 |
Retained earnings to average equity (ytd only) | -11.2953% | 6,901 |
Net charge-offs to loans | 2.7874% | 636 |
Credit loss provision to net charge-offs | 114.3679% | 4,438 |
Earnings coverage of net charge-offs (x) | 0.4070% | 5,623 |
Efficiency ratio | 71.9965% | 4,242 |
Assets per employee ($millions) | 12.4834% | 156 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8797% | 737 |
Loan loss allowance to noncurrent loans | 213.9183% | 1,379 |
Noncurrent assets plus other real estate owned to assets | 1.0728% | 4,932 |
Noncurrent loans to loans | 1.3462% | 4,682 |
Net loans and leases to total assets | 74.0579% | 2,503 |
Net loans and leases to deposits | 115.7385% | 274 |
Net loans and leases to core deposits | 154.3068% | 489 |
Total domestic deposits to total assets | 63.9873% | 7,766 |
Equity capital to assets | 9.1665% | 5,223 |
Core capital (leverage) ratio | 8.9207% | 4,778 |
Tier 1 risk-based capital ratio | 11.4286% | 5,497 |
Total risk-based capital ratio | 12.6988% | 5,425 |
Memoranda: | ||
Average total assets | $16,426,357,000 | 74 |
Average earning assets | $15,931,407,000 | 68 |
Average equity | $1,454,366,750 | 84 |
Average total loans | $12,605,939,750 | 64 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0229% | 2,085 |
Cost of funding earning assets | 3.1848% | 278 |
Net interest margin | 2.8381% | 6,939 |
Noninterest income to average assets | 0.4516% | 4,833 |
Noninterest expense to average assets | 2.4171% | 6,410 |
Loan and lease loss provision to assets | 2.0858% | 767 |
Net operating income to assets | -0.8463% | 6,862 |
Return on assets (ROA) | -0.8518% | 6,875 |
Pretax return on assets | -1.3075% | 6,992 |
Return on Equity (ROE) | -9.7321% | 7,013 |
Retained earnings to average equity (ytd only) | -9.7321% | 6,847 |
Net charge-offs to loans | 2.5527% | 676 |
Credit loss provision to net charge-offs | 106.2529% | 4,334 |
Earnings coverage of net charge-offs (x) | 0.4008% | 5,290 |
Efficiency ratio | 74.0854% | 4,023 |
Assets per employee ($millions) | 12.3447% | 154 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5453% | 863 |
Loan loss allowance to noncurrent loans | 192.1695% | 1,574 |
Noncurrent assets plus other real estate owned to assets | 1.0648% | 4,837 |
Noncurrent loans to loans | 1.3245% | 4,566 |
Net loans and leases to total assets | 74.4279% | 2,586 |
Net loans and leases to deposits | 118.5027% | 269 |
Net loans and leases to core deposits | 163.6497% | 391 |
Total domestic deposits to total assets | 62.8069% | 7,870 |
Equity capital to assets | 9.1685% | 5,068 |
Core capital (leverage) ratio | 8.5199% | 5,410 |
Tier 1 risk-based capital ratio | 10.9114% | 5,971 |
Total risk-based capital ratio | 12.1775% | 5,897 |
Memoranda: | ||
Average total assets | $16,538,116,670 | 77 |
Average earning assets | $16,037,667,670 | 71 |
Average equity | $1,447,493,000 | 87 |
Average total loans | $12,717,899,000 | 66 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0917% | 1,971 |
Cost of funding earning assets | 3.2674% | 291 |
Net interest margin | 2.8243% | 6,943 |
Noninterest income to average assets | 0.4325% | 4,939 |
Noninterest expense to average assets | 2.0204% | 7,307 |
Loan and lease loss provision to assets | 1.9991% | 601 |
Net operating income to assets | -0.5502% | 6,924 |
Return on assets (ROA) | -0.5448% | 6,966 |
Pretax return on assets | -0.8371% | 7,056 |
Return on Equity (ROE) | -6.3740% | 7,096 |
Retained earnings to average equity (ytd only) | -6.3740% | 6,731 |
Net charge-offs to loans | 2.6676% | 504 |
Credit loss provision to net charge-offs | 97.1221% | 3,859 |
Earnings coverage of net charge-offs (x) | 0.5605% | 4,547 |
Efficiency ratio | 62.3661% | 5,985 |
Assets per employee ($millions) | 12.5105% | 153 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3577% | 892 |
Loan loss allowance to noncurrent loans | 193.9006% | 1,702 |
Noncurrent assets plus other real estate owned to assets | 0.9828% | 4,738 |
Noncurrent loans to loans | 1.2159% | 4,540 |
Net loans and leases to total assets | 75.2256% | 2,445 |
Net loans and leases to deposits | 125.8306% | 191 |
Net loans and leases to core deposits | 173.8641% | 298 |
Total domestic deposits to total assets | 59.7832% | 7,971 |
Equity capital to assets | 9.2847% | 4,958 |
Core capital (leverage) ratio | 8.6911% | 5,167 |
Tier 1 risk-based capital ratio | 11.0665% | 5,840 |
Total risk-based capital ratio | 12.3298% | 5,734 |
Memoranda: | ||
Average total assets | $16,604,117,000 | 76 |
Average earning assets | $16,118,419,500 | 72 |
Average equity | $1,419,140,500 | 92 |
Average total loans | $12,812,030,500 | 66 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2534% | 4,223 |
Cost of funding earning assets | 3.7866% | 211 |
Net interest margin | 2.4669% | 7,790 |
Noninterest income to average assets | 0.4201% | 5,296 |
Noninterest expense to average assets | 2.1412% | 7,136 |
Loan and lease loss provision to assets | 2.3248% | 474 |
Net operating income to assets | -1.0222% | 7,260 |
Return on assets (ROA) | -0.9816% | 7,159 |
Pretax return on assets | -1.5829% | 7,295 |
Return on Equity (ROE) | -12.5959% | 7,472 |
Retained earnings to average equity (ytd only) | -12.5959% | 7,296 |
Net charge-offs to loans | 1.9717% | 549 |
Credit loss provision to net charge-offs | 163.1883% | 3,161 |
Earnings coverage of net charge-offs (x) | 0.4762% | 5,951 |
Efficiency ratio | 75.2888% | 3,358 |
Assets per employee ($millions) | 12.6092% | 145 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2840% | 873 |
Loan loss allowance to noncurrent loans | 238.0014% | 1,663 |
Noncurrent assets plus other real estate owned to assets | 0.7850% | 4,887 |
Noncurrent loans to loans | 0.9597% | 4,684 |
Net loans and leases to total assets | 75.5155% | 2,755 |
Net loans and leases to deposits | 125.9486% | 269 |
Net loans and leases to core deposits | 176.9545% | 317 |
Total domestic deposits to total assets | 59.9574% | 7,968 |
Equity capital to assets | 7.8149% | 7,078 |
Core capital (leverage) ratio | 7.3048% | 7,412 |
Tier 1 risk-based capital ratio | 9.2573% | 7,561 |
Total risk-based capital ratio | 10.5196% | 7,485 |
Memoranda: | ||
Average total assets | $16,189,526,600 | 77 |
Average earning assets | $15,747,446,000 | 70 |
Average equity | $1,261,651,600 | 94 |
Average total loans | $11,697,376,400 | 73 |