Home > Sterling Savings Bank > Performance and Condition Ratios
Sterling Savings Bank, Performance and Condition Ratios
| 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 | 4.2722% | 2,626 |
| Cost of funding earning assets | 0.4991% | 2,919 |
| Net interest margin | 3.7732% | 2,581 |
| Noninterest income to average assets | 0.6986% | 2,174 |
| Noninterest expense to average assets | 3.2593% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5571% | 4,424 |
| Return on assets (ROA) | 0.5571% | 4,502 |
| Pretax return on assets | 0.8501% | 3,903 |
| Return on Equity (ROE) | 4.0802% | 4,995 |
| Retained earnings to average equity (ytd only) | -6.2002% | 6,193 |
| Net charge-offs to loans | 0.0694% | 2,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 16.4932% | 1,506 |
| Efficiency ratio | 78.1577% | 2,454 |
| Assets per employee ($millions) | 4.1810% | 3,569 |
| Cash dividends to net income (ytd only)* | 251.9597% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 2,101 |
| Loan loss allowance to noncurrent loans | 169.8066% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8587% | 3,581 |
| Noncurrent loans to loans | 1.0487% | 3,326 |
| Net loans and leases to total assets | 73.4274% | 1,365 |
| Net loans and leases to deposits | 106.1206% | 238 |
| Net loans and leases to core deposits | 115.9885% | 408 |
| Total domestic deposits to total assets | 69.1924% | 6,476 |
| Equity capital to assets | 13.6435% | 1,058 |
| Core capital (leverage) ratio | 11.1895% | 2,233 |
| Tier 1 risk-based capital ratio | 14.4063% | 4,062 |
| Total risk-based capital ratio | 15.6646% | 4,013 |
| Memoranda: | ||
| Average total assets | $10,259,502,500 | 108 |
| Average earning assets | $9,274,237,500 | 108 |
| Average equity | $1,400,720,500 | 103 |
| Average total loans | $7,615,548,500 | 102 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 2,550 |
| Cost of funding earning assets | 0.5587% | 3,034 |
| Net interest margin | 3.8507% | 2,467 |
| Noninterest income to average assets | 1.3832% | 734 |
| Noninterest expense to average assets | 3.3759% | 1,933 |
| Loan and lease loss provision to assets | -0.0533% | 6,393 |
| Net operating income to assets | 1.0718% | 2,031 |
| Return on assets (ROA) | 1.0718% | 2,113 |
| Pretax return on assets | 1.5223% | 1,376 |
| Return on Equity (ROE) | 7.3829% | 3,362 |
| Retained earnings to average equity (ytd only) | 2.2395% | 4,654 |
| Net charge-offs to loans | 0.1655% | 3,157 |
| Credit loss provision to net charge-offs | -43.8856% | 5,779 |
| Earnings coverage of net charge-offs (x) | 12.0868% | 2,168 |
| Efficiency ratio | 68.2398% | 4,154 |
| Assets per employee ($millions) | 4.1153% | 3,614 |
| Cash dividends to net income (ytd only)* | 69.6664% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8077% | 2,043 |
| Loan loss allowance to noncurrent loans | 163.0773% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 3,658 |
| Noncurrent loans to loans | 1.1085% | 3,320 |
| Net loans and leases to total assets | 72.3721% | 1,621 |
| Net loans and leases to deposits | 106.0331% | 258 |
| Net loans and leases to core deposits | 116.1921% | 413 |
| Total domestic deposits to total assets | 68.2542% | 6,581 |
| Equity capital to assets | 13.6622% | 1,005 |
| Core capital (leverage) ratio | 11.3270% | 2,091 |
| Tier 1 risk-based capital ratio | 14.5413% | 3,935 |
| Total risk-based capital ratio | 15.7997% | 3,863 |
| Memoranda: | ||
| Average total assets | $9,749,407,400 | 110 |
| Average earning assets | $8,764,356,000 | 112 |
| Average equity | $1,415,396,800 | 102 |
| Average total loans | $7,159,599,400 | 104 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4214% | 2,519 |
| Cost of funding earning assets | 0.5718% | 3,075 |
| Net interest margin | 3.8496% | 2,465 |
| Noninterest income to average assets | 1.4995% | 652 |
| Noninterest expense to average assets | 3.4380% | 1,745 |
| Loan and lease loss provision to assets | -0.0652% | 6,569 |
| Net operating income to assets | 1.0924% | 2,033 |
| Return on assets (ROA) | 1.0924% | 2,111 |
| Pretax return on assets | 1.5815% | 1,383 |
| Return on Equity (ROE) | 7.4076% | 3,432 |
| Retained earnings to average equity (ytd only) | 2.2523% | 4,968 |
| Net charge-offs to loans | 0.2070% | 2,583 |
| Credit loss provision to net charge-offs | -42.9341% | 5,694 |
| Earnings coverage of net charge-offs (x) | 9.9840% | 2,412 |
| Efficiency ratio | 67.9815% | 4,106 |
| Assets per employee ($millions) | 3.8951% | 4,043 |
| Cash dividends to net income (ytd only)* | 69.5944% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8744% | 2,076 |
| Loan loss allowance to noncurrent loans | 173.2620% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.9762% | 3,705 |
| Noncurrent loans to loans | 1.0818% | 3,634 |
| Net loans and leases to total assets | 72.7035% | 1,501 |
| Net loans and leases to deposits | 106.7585% | 220 |
| Net loans and leases to core deposits | 116.5286% | 382 |
| Total domestic deposits to total assets | 68.1009% | 6,662 |
| Equity capital to assets | 14.1201% | 929 |
| Core capital (leverage) ratio | 11.5551% | 1,998 |
| Tier 1 risk-based capital ratio | 15.0825% | 3,696 |
| Total risk-based capital ratio | 16.3419% | 3,645 |
| Memoranda: | ||
| Average total assets | $9,610,556,500 | 114 |
| Average earning assets | $8,624,972,750 | 113 |
| Average equity | $1,417,279,000 | 101 |
| Average total loans | $7,050,723,000 | 103 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 2,478 |
| Cost of funding earning assets | 0.5776% | 3,144 |
| Net interest margin | 3.8461% | 2,391 |
| Noninterest income to average assets | 1.6352% | 602 |
| Noninterest expense to average assets | 3.4592% | 1,698 |
| Loan and lease loss provision to assets | -0.0548% | 6,653 |
| Net operating income to assets | 1.1476% | 1,759 |
| Return on assets (ROA) | 1.1476% | 1,875 |
| Pretax return on assets | 1.6790% | 1,160 |
| Return on Equity (ROE) | 7.6675% | 3,251 |
| Retained earnings to average equity (ytd only) | 2.4832% | 4,723 |
| Net charge-offs to loans | 0.2826% | 2,068 |
| Credit loss provision to net charge-offs | -26.5360% | 5,489 |
| Earnings coverage of net charge-offs (x) | 7.8616% | 2,490 |
| Efficiency ratio | 66.6515% | 4,422 |
| Assets per employee ($millions) | 3.9122% | 3,995 |
| Cash dividends to net income (ytd only)* | 67.6147% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9424% | 1,990 |
| Loan loss allowance to noncurrent loans | 142.3162% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2642% | 3,233 |
| Noncurrent loans to loans | 1.3649% | 3,275 |
| Net loans and leases to total assets | 72.0846% | 1,565 |
| Net loans and leases to deposits | 109.0906% | 161 |
| Net loans and leases to core deposits | 117.9259% | 352 |
| Total domestic deposits to total assets | 66.0778% | 6,759 |
| Equity capital to assets | 14.1304% | 928 |
| Core capital (leverage) ratio | 11.9728% | 1,632 |
| Tier 1 risk-based capital ratio | 16.0400% | 3,166 |
| Total risk-based capital ratio | 17.3017% | 3,104 |
| Memoranda: | ||
| Average total assets | $9,485,080,670 | 114 |
| Average earning assets | $8,503,991,670 | 115 |
| Average equity | $1,419,648,000 | 100 |
| Average total loans | $6,934,436,000 | 103 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 2,360 |
| Cost of funding earning assets | 0.5992% | 3,114 |
| Net interest margin | 3.8481% | 2,287 |
| Noninterest income to average assets | 1.5872% | 614 |
| Noninterest expense to average assets | 3.4784% | 1,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0733% | 1,958 |
| Return on assets (ROA) | 1.0733% | 2,067 |
| Pretax return on assets | 1.5550% | 1,413 |
| Return on Equity (ROE) | 6.9622% | 3,509 |
| Retained earnings to average equity (ytd only) | 6.9622% | 2,170 |
| Net charge-offs to loans | 0.2771% | 1,848 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.6978% | 2,034 |
| Efficiency ratio | 67.6825% | 4,374 |
| Assets per employee ($millions) | 3.7891% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2097% | 1,565 |
| Loan loss allowance to noncurrent loans | 110.0287% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 1.7820% | 2,627 |
| Noncurrent loans to loans | 2.0083% | 2,610 |
| Net loans and leases to total assets | 71.4674% | 1,438 |
| Net loans and leases to deposits | 101.4605% | 297 |
| Net loans and leases to core deposits | 108.3504% | 551 |
| Total domestic deposits to total assets | 70.4387% | 6,738 |
| Equity capital to assets | 15.5071% | 634 |
| Core capital (leverage) ratio | 12.6376% | 1,281 |
| Tier 1 risk-based capital ratio | 17.5355% | 2,544 |
| Total risk-based capital ratio | 18.8003% | 2,506 |
| Memoranda: | ||
| Average total assets | $9,257,175,500 | 123 |
| Average earning assets | $8,290,365,500 | 119 |
| Average equity | $1,427,127,000 | 101 |
| Average total loans | $6,747,752,000 | 106 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 2,905 |
| Cost of funding earning assets | 0.9115% | 1,873 |
| Net interest margin | 3.7119% | 3,597 |
| Noninterest income to average assets | 1.8237% | 501 |
| Noninterest expense to average assets | 4.1794% | 787 |
| Loan and lease loss provision to assets | 0.0797% | 4,710 |
| Net operating income to assets | 3.8601% | 65 |
| Return on assets (ROA) | 4.0410% | 60 |
| Pretax return on assets | 1.1214% | 3,076 |
| Return on Equity (ROE) | 29.3160% | 71 |
| Retained earnings to average equity (ytd only) | 25.2604% | 30 |
| Net charge-offs to loans | 0.4852% | 2,293 |
| Credit loss provision to net charge-offs | 24.5002% | 5,213 |
| Earnings coverage of net charge-offs (x) | 3.1360% | 3,866 |
| Efficiency ratio | 78.9919% | 2,274 |
| Assets per employee ($millions) | 3.6517% | 4,671 |
| Cash dividends to net income (ytd only)* | 13.8342% | 3,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2961% | 1,381 |
| Loan loss allowance to noncurrent loans | 109.7595% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.7911% | 2,722 |
| Noncurrent loans to loans | 2.0919% | 2,586 |
| Net loans and leases to total assets | 71.0322% | 1,642 |
| Net loans and leases to deposits | 102.8273% | 302 |
| Net loans and leases to core deposits | 109.0696% | 567 |
| Total domestic deposits to total assets | 69.0791% | 6,824 |
| Equity capital to assets | 15.3255% | 674 |
| Core capital (leverage) ratio | 11.9596% | 1,587 |
| Tier 1 risk-based capital ratio | 17.2028% | 2,555 |
| Total risk-based capital ratio | 18.4687% | 2,529 |
| Memoranda: | ||
| Average total assets | $9,408,993,400 | 115 |
| Average earning assets | $8,557,632,400 | 115 |
| Average equity | $1,296,956,600 | 109 |
| Average total loans | $6,308,960,200 | 106 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 3,097 |
| Cost of funding earning assets | 0.9484% | 1,858 |
| Net interest margin | 3.6820% | 3,872 |
| Noninterest income to average assets | 1.6902% | 541 |
| Noninterest expense to average assets | 3.8224% | 1,170 |
| Loan and lease loss provision to assets | 0.1129% | 4,153 |
| Net operating income to assets | 4.9085% | 44 |
| Return on assets (ROA) | 4.9900% | 45 |
| Pretax return on assets | 1.1990% | 2,991 |
| Return on Equity (ROE) | 37.2186% | 34 |
| Retained earnings to average equity (ytd only) | 36.5346% | 18 |
| Net charge-offs to loans | 0.6699% | 1,641 |
| Credit loss provision to net charge-offs | 25.6583% | 4,871 |
| Earnings coverage of net charge-offs (x) | 2.7969% | 3,920 |
| Efficiency ratio | 74.2562% | 2,943 |
| Assets per employee ($millions) | 3.7502% | 4,422 |
| Cash dividends to net income (ytd only)* | 1.8379% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3861% | 1,386 |
| Loan loss allowance to noncurrent loans | 86.3506% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 2.3766% | 2,238 |
| Noncurrent loans to loans | 2.7632% | 2,043 |
| Net loans and leases to total assets | 66.6009% | 2,542 |
| Net loans and leases to deposits | 94.6162% | 743 |
| Net loans and leases to core deposits | 102.4524% | 961 |
| Total domestic deposits to total assets | 70.3905% | 6,824 |
| Equity capital to assets | 15.3124% | 749 |
| Core capital (leverage) ratio | 12.5478% | 1,382 |
| Tier 1 risk-based capital ratio | 17.5200% | 2,536 |
| Total risk-based capital ratio | 18.7856% | 2,495 |
| Memoranda: | ||
| Average total assets | $9,449,698,750 | 114 |
| Average earning assets | $8,629,907,000 | 113 |
| Average equity | $1,266,939,500 | 111 |
| Average total loans | $6,205,674,500 | 107 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 2,694 |
| Cost of funding earning assets | 0.9759% | 1,902 |
| Net interest margin | 3.7814% | 3,449 |
| Noninterest income to average assets | 1.5721% | 598 |
| Noninterest expense to average assets | 3.8828% | 1,096 |
| Loan and lease loss provision to assets | 0.1271% | 3,930 |
| Net operating income to assets | 6.7255% | 33 |
| Return on assets (ROA) | 6.7815% | 33 |
| Pretax return on assets | 1.0895% | 3,345 |
| Return on Equity (ROE) | 53.1064% | 15 |
| Retained earnings to average equity (ytd only) | 53.1064% | 7 |
| Net charge-offs to loans | 0.8242% | 1,340 |
| Credit loss provision to net charge-offs | 23.7944% | 4,549 |
| Earnings coverage of net charge-offs (x) | 2.1725% | 3,897 |
| Efficiency ratio | 75.6454% | 2,800 |
| Assets per employee ($millions) | 3.8030% | 4,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5063% | 1,274 |
| Loan loss allowance to noncurrent loans | 75.0267% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 2.7755% | 1,989 |
| Noncurrent loans to loans | 3.3406% | 1,743 |
| Net loans and leases to total assets | 64.1540% | 3,001 |
| Net loans and leases to deposits | 90.9967% | 1,046 |
| Net loans and leases to core deposits | 100.3317% | 1,075 |
| Total domestic deposits to total assets | 70.5015% | 6,883 |
| Equity capital to assets | 14.7568% | 843 |
| Core capital (leverage) ratio | 11.9906% | 1,604 |
| Tier 1 risk-based capital ratio | 17.1346% | 2,610 |
| Total risk-based capital ratio | 18.4011% | 2,571 |
| Memoranda: | ||
| Average total assets | $9,440,672,330 | 115 |
| Average earning assets | $8,666,287,330 | 113 |
| Average equity | $1,205,545,330 | 114 |
| Average total loans | $6,118,933,670 | 106 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 3,144 |
| Cost of funding earning assets | 1.0080% | 1,934 |
| Net interest margin | 3.6697% | 3,964 |
| Noninterest income to average assets | 1.3172% | 821 |
| Noninterest expense to average assets | 3.8476% | 1,137 |
| Loan and lease loss provision to assets | 0.1709% | 3,260 |
| Net operating income to assets | 0.7051% | 3,862 |
| Return on assets (ROA) | 0.7111% | 4,046 |
| Pretax return on assets | 0.7111% | 4,754 |
| Return on Equity (ROE) | 6.0515% | 4,259 |
| Retained earnings to average equity (ytd only) | 6.0515% | 2,925 |
| Net charge-offs to loans | 1.3409% | 761 |
| Credit loss provision to net charge-offs | 19.8167% | 3,780 |
| Earnings coverage of net charge-offs (x) | 1.0159% | 3,817 |
| Efficiency ratio | 80.1849% | 2,176 |
| Assets per employee ($millions) | 3.8184% | 4,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5801% | 1,249 |
| Loan loss allowance to noncurrent loans | 65.9056% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 3.3098% | 1,743 |
| Noncurrent loans to loans | 3.9149% | 1,572 |
| Net loans and leases to total assets | 63.9681% | 2,855 |
| Net loans and leases to deposits | 88.1912% | 1,143 |
| Net loans and leases to core deposits | 98.6503% | 1,077 |
| Total domestic deposits to total assets | 72.5334% | 6,854 |
| Equity capital to assets | 11.6702% | 2,286 |
| Core capital (leverage) ratio | 10.8526% | 2,384 |
| Tier 1 risk-based capital ratio | 15.7295% | 3,326 |
| Total risk-based capital ratio | 16.9971% | 3,283 |
| Memoranda: | ||
| Average total assets | $9,363,539,000 | 114 |
| Average earning assets | $8,691,699,000 | 112 |
| Average equity | $1,100,363,500 | 115 |
| Average total loans | $6,021,508,000 | 107 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 3,750 |
| Cost of funding earning assets | 1.1952% | 2,066 |
| Net interest margin | 3.6177% | 4,662 |
| Noninterest income to average assets | 0.9915% | 1,391 |
| Noninterest expense to average assets | 3.6622% | 1,609 |
| Loan and lease loss provision to assets | 0.3064% | 3,219 |
| Net operating income to assets | 0.3732% | 4,978 |
| Return on assets (ROA) | 0.5477% | 4,431 |
| Pretax return on assets | 0.5477% | 4,848 |
| Return on Equity (ROE) | 4.9770% | 4,397 |
| Retained earnings to average equity (ytd only) | 4.9770% | 2,653 |
| Net charge-offs to loans | 1.6921% | 902 |
| Credit loss provision to net charge-offs | 29.0523% | 5,798 |
| Earnings coverage of net charge-offs (x) | 0.6444% | 5,338 |
| Efficiency ratio | 83.1472% | 1,866 |
| Assets per employee ($millions) | 3.6890% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0636% | 770 |
| Loan loss allowance to noncurrent loans | 68.1941% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 3.7159% | 1,575 |
| Noncurrent loans to loans | 4.4925% | 1,328 |
| Net loans and leases to total assets | 60.9807% | 3,789 |
| Net loans and leases to deposits | 86.9989% | 1,527 |
| Net loans and leases to core deposits | 100.5804% | 1,124 |
| Total domestic deposits to total assets | 70.0937% | 6,987 |
| Equity capital to assets | 11.8357% | 2,251 |
| Core capital (leverage) ratio | 11.1362% | 2,167 |
| Tier 1 risk-based capital ratio | 17.3843% | 2,428 |
| Total risk-based capital ratio | 18.6583% | 2,385 |
| Memoranda: | ||
| Average total assets | $9,302,589,400 | 118 |
| Average earning assets | $8,615,034,800 | 110 |
| Average equity | $1,023,760,600 | 123 |
| Average total loans | $5,797,473,800 | 109 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 3,750 |
| Cost of funding earning assets | 1.2216% | 2,178 |
| Net interest margin | 3.6350% | 4,637 |
| Noninterest income to average assets | 0.8612% | 1,795 |
| Noninterest expense to average assets | 3.5825% | 1,745 |
| Loan and lease loss provision to assets | 0.3788% | 2,588 |
| Net operating income to assets | 0.2624% | 5,532 |
| Return on assets (ROA) | 0.4668% | 4,883 |
| Pretax return on assets | 0.4668% | 5,269 |
| Return on Equity (ROE) | 4.3219% | 4,855 |
| Retained earnings to average equity (ytd only) | 4.3219% | 3,652 |
| Net charge-offs to loans | 2.0087% | 632 |
| Credit loss provision to net charge-offs | 30.3332% | 5,410 |
| Earnings coverage of net charge-offs (x) | 0.5134% | 5,243 |
| Efficiency ratio | 83.5872% | 1,773 |
| Assets per employee ($millions) | 3.7329% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1794% | 741 |
| Loan loss allowance to noncurrent loans | 63.0447% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 4.4287% | 1,357 |
| Noncurrent loans to loans | 5.0431% | 1,226 |
| Net loans and leases to total assets | 61.7210% | 3,794 |
| Net loans and leases to deposits | 87.9334% | 1,444 |
| Net loans and leases to core deposits | 101.3054% | 1,133 |
| Total domestic deposits to total assets | 70.1906% | 7,031 |
| Equity capital to assets | 11.6223% | 2,566 |
| Core capital (leverage) ratio | 10.8279% | 2,546 |
| Tier 1 risk-based capital ratio | 16.6533% | 2,783 |
| Total risk-based capital ratio | 17.9281% | 2,738 |
| Memoranda: | ||
| Average total assets | $9,326,284,500 | 115 |
| Average earning assets | $8,627,338,250 | 111 |
| Average equity | $1,007,247,750 | 124 |
| Average total loans | $5,798,730,250 | 109 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8532% | 3,853 |
| Cost of funding earning assets | 1.2465% | 2,272 |
| Net interest margin | 3.6066% | 4,701 |
| Noninterest income to average assets | 0.8138% | 1,957 |
| Noninterest expense to average assets | 3.5620% | 1,832 |
| Loan and lease loss provision to assets | 0.4801% | 2,059 |
| Net operating income to assets | 0.1069% | 5,998 |
| Return on assets (ROA) | 0.4120% | 5,044 |
| Pretax return on assets | 0.4120% | 5,359 |
| Return on Equity (ROE) | 3.9117% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.9117% | 3,702 |
| Net charge-offs to loans | 1.9887% | 679 |
| Credit loss provision to net charge-offs | 39.1509% | 4,832 |
| Earnings coverage of net charge-offs (x) | 0.4786% | 4,948 |
| Efficiency ratio | 84.5930% | 1,753 |
| Assets per employee ($millions) | 3.7290% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6576% | 526 |
| Loan loss allowance to noncurrent loans | 57.1419% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 5.1075% | 1,195 |
| Noncurrent loans to loans | 6.4009% | 886 |
| Net loans and leases to total assets | 60.3834% | 4,201 |
| Net loans and leases to deposits | 84.6230% | 2,010 |
| Net loans and leases to core deposits | 100.4091% | 1,308 |
| Total domestic deposits to total assets | 71.3558% | 7,042 |
| Equity capital to assets | 10.8966% | 3,068 |
| Core capital (leverage) ratio | 10.5545% | 2,657 |
| Tier 1 risk-based capital ratio | 16.3835% | 2,794 |
| Total risk-based capital ratio | 17.6630% | 2,745 |
| Memoranda: | ||
| Average total assets | $9,372,858,670 | 115 |
| Average earning assets | $8,667,317,000 | 111 |
| Average equity | $987,100,000 | 125 |
| Average total loans | $5,779,562,000 | 110 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8501% | 3,818 |
| Cost of funding earning assets | 1.2867% | 2,263 |
| Net interest margin | 3.5634% | 4,756 |
| Noninterest income to average assets | 0.7644% | 2,193 |
| Noninterest expense to average assets | 3.5163% | 1,960 |
| Loan and lease loss provision to assets | 0.4240% | 2,068 |
| Net operating income to assets | 0.1127% | 6,061 |
| Return on assets (ROA) | 0.3671% | 5,173 |
| Pretax return on assets | 0.3671% | 5,447 |
| Return on Equity (ROE) | 3.5462% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.5462% | 4,063 |
| Net charge-offs to loans | 1.6717% | 792 |
| Credit loss provision to net charge-offs | 41.4697% | 3,914 |
| Earnings coverage of net charge-offs (x) | 0.5249% | 4,229 |
| Efficiency ratio | 85.4766% | 1,774 |
| Assets per employee ($millions) | 3.7658% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0929% | 395 |
| Loan loss allowance to noncurrent loans | 52.3780% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 6.3593% | 886 |
| Noncurrent loans to loans | 7.8141% | 655 |
| Net loans and leases to total assets | 58.2825% | 4,600 |
| Net loans and leases to deposits | 80.5479% | 2,604 |
| Net loans and leases to core deposits | 94.4808% | 1,832 |
| Total domestic deposits to total assets | 72.3575% | 7,054 |
| Equity capital to assets | 10.4596% | 3,227 |
| Core capital (leverage) ratio | 10.2785% | 2,830 |
| Tier 1 risk-based capital ratio | 16.0122% | 2,895 |
| Total risk-based capital ratio | 17.2959% | 2,862 |
| Memoranda: | ||
| Average total assets | $9,433,418,000 | 115 |
| Average earning assets | $8,705,741,000 | 111 |
| Average equity | $976,585,500 | 126 |
| Average total loans | $5,770,041,000 | 111 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8221% | 5,339 |
| Cost of funding earning assets | 1.6512% | 1,826 |
| Net interest margin | 3.1709% | 6,334 |
| Noninterest income to average assets | 0.8529% | 2,047 |
| Noninterest expense to average assets | 3.6072% | 1,905 |
| Loan and lease loss provision to assets | 2.4686% | 456 |
| Net operating income to assets | -2.2907% | 7,136 |
| Return on assets (ROA) | -2.0371% | 7,077 |
| Pretax return on assets | -2.0371% | 7,038 |
| Return on Equity (ROE) | -29.6178% | 7,225 |
| Retained earnings to average equity (ytd only) | -29.6178% | 7,212 |
| Net charge-offs to loans | 5.1406% | 164 |
| Credit loss provision to net charge-offs | 72.2216% | 5,807 |
| Earnings coverage of net charge-offs (x) | 0.0521% | 6,064 |
| Efficiency ratio | 94.0247% | 1,058 |
| Assets per employee ($millions) | 3.8219% | 4,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2242% | 329 |
| Loan loss allowance to noncurrent loans | 38.7501% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 8.4057% | 565 |
| Noncurrent loans to loans | 10.9011% | 361 |
| Net loans and leases to total assets | 58.9563% | 4,856 |
| Net loans and leases to deposits | 80.7708% | 3,029 |
| Net loans and leases to core deposits | 94.8294% | 2,154 |
| Total domestic deposits to total assets | 72.9921% | 6,996 |
| Equity capital to assets | 10.2467% | 3,447 |
| Core capital (leverage) ratio | 9.7493% | 3,378 |
| Tier 1 risk-based capital ratio | 15.6603% | 2,922 |
| Total risk-based capital ratio | 16.9464% | 2,859 |
| Memoranda: | ||
| Average total assets | $10,151,057,800 | 110 |
| Average earning assets | $9,387,109,800 | 102 |
| Average equity | $698,179,200 | 149 |
| Average total loans | $6,749,751,000 | 100 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8456% | 5,483 |
| Cost of funding earning assets | 1.6963% | 1,899 |
| Net interest margin | 3.1492% | 6,486 |
| Noninterest income to average assets | 0.9222% | 1,719 |
| Noninterest expense to average assets | 3.4968% | 2,039 |
| Loan and lease loss provision to assets | 2.8517% | 323 |
| Net operating income to assets | -2.5138% | 7,354 |
| Return on assets (ROA) | -2.2001% | 7,300 |
| Pretax return on assets | -2.2001% | 7,252 |
| Return on Equity (ROE) | -36.0546% | 7,459 |
| Retained earnings to average equity (ytd only) | -36.0546% | 7,456 |
| Net charge-offs to loans | 6.0314% | 99 |
| Credit loss provision to net charge-offs | 69.9121% | 5,422 |
| Earnings coverage of net charge-offs (x) | 0.0829% | 5,950 |
| Efficiency ratio | 89.9477% | 1,297 |
| Assets per employee ($millions) | 4.0938% | 3,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9893% | 376 |
| Loan loss allowance to noncurrent loans | 31.4844% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 9.4122% | 456 |
| Noncurrent loans to loans | 12.6707% | 246 |
| Net loans and leases to total assets | 59.5576% | 4,989 |
| Net loans and leases to deposits | 86.1361% | 2,309 |
| Net loans and leases to core deposits | 97.6800% | 2,077 |
| Total domestic deposits to total assets | 69.1436% | 7,320 |
| Equity capital to assets | 10.4310% | 3,598 |
| Core capital (leverage) ratio | 10.1858% | 3,056 |
| Tier 1 risk-based capital ratio | 15.4666% | 3,014 |
| Total risk-based capital ratio | 16.7877% | 2,943 |
| Memoranda: | ||
| Average total assets | $10,313,511,000 | 106 |
| Average earning assets | $9,538,214,250 | 101 |
| Average equity | $629,332,750 | 161 |
| Average total loans | $6,975,029,250 | 98 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9197% | 5,307 |
| Cost of funding earning assets | 1.7115% | 2,058 |
| Net interest margin | 3.2082% | 6,288 |
| Noninterest income to average assets | 0.4484% | 4,528 |
| Noninterest expense to average assets | 3.2736% | 2,649 |
| Loan and lease loss provision to assets | 3.1325% | 310 |
| Net operating income to assets | -2.9914% | 7,511 |
| Return on assets (ROA) | -2.6418% | 7,455 |
| Pretax return on assets | -2.6418% | 7,401 |
| Return on Equity (ROE) | -60.7588% | 7,657 |
| Retained earnings to average equity (ytd only) | -60.7588% | 7,655 |
| Net charge-offs to loans | 6.8711% | 90 |
| Credit loss provision to net charge-offs | 66.4188% | 5,067 |
| Earnings coverage of net charge-offs (x) | 0.0299% | 5,686 |
| Efficiency ratio | 94.4244% | 1,045 |
| Assets per employee ($millions) | 4.7341% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2154% | 315 |
| Loan loss allowance to noncurrent loans | 31.5066% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 10.2594% | 385 |
| Noncurrent loans to loans | 13.3793% | 219 |
| Net loans and leases to total assets | 63.8871% | 4,288 |
| Net loans and leases to deposits | 85.8426% | 2,533 |
| Net loans and leases to core deposits | 98.9100% | 2,128 |
| Total domestic deposits to total assets | 74.4236% | 6,924 |
| Equity capital to assets | 4.0736% | 7,691 |
| Core capital (leverage) ratio | 3.4024% | 7,716 |
| Tier 1 risk-based capital ratio | 5.1194% | 7,691 |
| Total risk-based capital ratio | 6.4517% | 7,688 |
| Memoranda: | ||
| Average total assets | $9,832,298,330 | 107 |
| Average earning assets | $9,091,188,330 | 103 |
| Average equity | $427,513,330 | 200 |
| Average total loans | $6,748,872,330 | 98 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 5,721 |
| Cost of funding earning assets | 1.6995% | 2,393 |
| Net interest margin | 3.1417% | 6,485 |
| Noninterest income to average assets | 0.4596% | 4,385 |
| Noninterest expense to average assets | 3.1969% | 2,876 |
| Loan and lease loss provision to assets | 3.3461% | 281 |
| Net operating income to assets | -3.1678% | 7,652 |
| Return on assets (ROA) | -3.0954% | 7,644 |
| Pretax return on assets | -3.0954% | 7,607 |
| Return on Equity (ROE) | -69.2179% | 7,766 |
| Retained earnings to average equity (ytd only) | -69.2179% | 7,759 |
| Net charge-offs to loans | 7.5552% | 111 |
| Credit loss provision to net charge-offs | 63.7095% | 4,231 |
| Earnings coverage of net charge-offs (x) | 0.0339% | 5,003 |
| Efficiency ratio | 93.3041% | 1,179 |
| Assets per employee ($millions) | 5.1054% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2596% | 301 |
| Loan loss allowance to noncurrent loans | 31.7387% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 9.9177% | 403 |
| Noncurrent loans to loans | 13.4208% | 231 |
| Net loans and leases to total assets | 64.4556% | 4,232 |
| Net loans and leases to deposits | 89.4664% | 1,992 |
| Net loans and leases to core deposits | 106.3407% | 1,549 |
| Total domestic deposits to total assets | 72.0445% | 7,261 |
| Equity capital to assets | 4.1918% | 7,783 |
| Core capital (leverage) ratio | 3.7596% | 7,793 |
| Tier 1 risk-based capital ratio | 5.3268% | 7,783 |
| Total risk-based capital ratio | 6.6551% | 7,780 |
| Memoranda: | ||
| Average total assets | $10,161,125,000 | 105 |
| Average earning assets | $9,429,898,500 | 99 |
| Average equity | $454,402,500 | 193 |
| Average total loans | $7,063,623,500 | 95 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3700% | 4,836 |
| Cost of funding earning assets | 2.1913% | 2,075 |
| Net interest margin | 3.1786% | 6,160 |
| Noninterest income to average assets | 0.3359% | 5,690 |
| Noninterest expense to average assets | 4.5668% | 744 |
| Loan and lease loss provision to assets | 5.7579% | 128 |
| Net operating income to assets | -7.2719% | 7,909 |
| Return on assets (ROA) | -7.1664% | 7,897 |
| Pretax return on assets | -6.9479% | 7,868 |
| Return on Equity (ROE) | -83.1783% | 7,879 |
| Retained earnings to average equity (ytd only) | -84.1467% | 7,877 |
| Net charge-offs to loans | 6.5226% | 148 |
| Credit loss provision to net charge-offs | 125.2145% | 4,177 |
| Earnings coverage of net charge-offs (x) | -0.2817% | 6,527 |
| Efficiency ratio | 78.2854% | 3,148 |
| Assets per employee ($millions) | 5.1399% | 2,033 |
| Cash dividends to net income (ytd only)* | -1.1642% | 7,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5502% | 239 |
| Loan loss allowance to noncurrent loans | 39.3814% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 8.9151% | 450 |
| Noncurrent loans to loans | 11.5543% | 304 |
| Net loans and leases to total assets | 68.3895% | 3,617 |
| Net loans and leases to deposits | 95.3553% | 1,409 |
| Net loans and leases to core deposits | 121.3519% | 1,851 |
| Total domestic deposits to total assets | 71.7207% | 7,269 |
| Equity capital to assets | 4.7446% | 7,806 |
| Core capital (leverage) ratio | 4.2191% | 7,830 |
| Tier 1 risk-based capital ratio | 5.9217% | 7,818 |
| Total risk-based capital ratio | 7.2505% | 7,816 |
| Memoranda: | ||
| Average total assets | $11,586,408,600 | 94 |
| Average earning assets | $10,699,745,400 | 89 |
| Average equity | $998,255,000 | 115 |
| Average total loans | $8,168,294,400 | 87 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4046% | 4,924 |
| Cost of funding earning assets | 2.2373% | 2,245 |
| Net interest margin | 3.1673% | 6,124 |
| Noninterest income to average assets | 0.2906% | 6,154 |
| Noninterest expense to average assets | 5.0331% | 472 |
| Loan and lease loss provision to assets | 3.7285% | 343 |
| Net operating income to assets | -5.8008% | 7,917 |
| Return on assets (ROA) | -5.6683% | 7,899 |
| Pretax return on assets | -5.4183% | 7,857 |
| Return on Equity (ROE) | -59.9637% | 7,892 |
| Retained earnings to average equity (ytd only) | -61.1087% | 7,897 |
| Net charge-offs to loans | 4.2241% | 316 |
| Credit loss provision to net charge-offs | 125.6485% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.6141% | 6,529 |
| Efficiency ratio | 76.1351% | 3,487 |
| Assets per employee ($millions) | 5.5875% | 1,527 |
| Cash dividends to net income (ytd only)* | -1.9095% | 7,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3988% | 463 |
| Loan loss allowance to noncurrent loans | 38.8465% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 6.5972% | 753 |
| Noncurrent loans to loans | 8.7494% | 522 |
| Net loans and leases to total assets | 67.6506% | 4,033 |
| Net loans and leases to deposits | 96.5212% | 1,509 |
| Net loans and leases to core deposits | 123.8567% | 1,912 |
| Total domestic deposits to total assets | 70.0889% | 7,409 |
| Equity capital to assets | 7.2616% | 7,452 |
| Core capital (leverage) ratio | 6.8428% | 7,525 |
| Tier 1 risk-based capital ratio | 9.2569% | 7,511 |
| Total risk-based capital ratio | 10.5681% | 7,473 |
| Memoranda: | ||
| Average total assets | $11,907,929,250 | 96 |
| Average earning assets | $10,978,688,250 | 92 |
| Average equity | $1,125,642,500 | 104 |
| Average total loans | $8,365,328,000 | 90 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4418% | 4,933 |
| Cost of funding earning assets | 2.2971% | 2,365 |
| Net interest margin | 3.1447% | 6,109 |
| Noninterest income to average assets | 0.2213% | 6,712 |
| Noninterest expense to average assets | 2.3860% | 6,507 |
| Loan and lease loss provision to assets | 2.3464% | 677 |
| Net operating income to assets | -0.9555% | 6,943 |
| Return on assets (ROA) | -0.8390% | 6,859 |
| Pretax return on assets | -1.4461% | 7,065 |
| Return on Equity (ROE) | -8.2778% | 6,915 |
| Retained earnings to average equity (ytd only) | -9.8537% | 6,858 |
| Net charge-offs to loans | 2.9733% | 552 |
| Credit loss provision to net charge-offs | 112.2263% | 4,124 |
| Earnings coverage of net charge-offs (x) | 0.3436% | 5,341 |
| Efficiency ratio | 75.5713% | 3,780 |
| Assets per employee ($millions) | 5.8552% | 1,306 |
| Cash dividends to net income (ytd only)* | -19.0378% | 7,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6028% | 820 |
| Loan loss allowance to noncurrent loans | 34.2560% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 5.8067% | 845 |
| Noncurrent loans to loans | 7.5980% | 608 |
| Net loans and leases to total assets | 68.8773% | 3,975 |
| Net loans and leases to deposits | 101.7423% | 1,096 |
| Net loans and leases to core deposits | 127.1834% | 1,769 |
| Total domestic deposits to total assets | 67.6978% | 7,637 |
| Equity capital to assets | 10.2742% | 3,638 |
| Core capital (leverage) ratio | 8.0824% | 6,192 |
| Tier 1 risk-based capital ratio | 10.7833% | 6,108 |
| Total risk-based capital ratio | 12.0824% | 5,982 |
| Memoranda: | ||
| Average total assets | $12,103,812,670 | 98 |
| Average earning assets | $11,096,814,330 | 96 |
| Average equity | $1,226,844,670 | 106 |
| Average total loans | $8,511,208,330 | 94 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4686% | 5,072 |
| Cost of funding earning assets | 2.3443% | 2,527 |
| Net interest margin | 3.1243% | 6,126 |
| Noninterest income to average assets | 0.4845% | 4,462 |
| Noninterest expense to average assets | 2.4720% | 5,947 |
| Loan and lease loss provision to assets | 1.9246% | 631 |
| Net operating income to assets | -1.0084% | 7,259 |
| Return on assets (ROA) | -0.6946% | 7,089 |
| Pretax return on assets | -0.7209% | 6,983 |
| Return on Equity (ROE) | -6.8981% | 7,137 |
| Retained earnings to average equity (ytd only) | -8.9846% | 7,014 |
| Net charge-offs to loans | 2.6721% | 502 |
| Credit loss provision to net charge-offs | 102.7069% | 3,652 |
| Earnings coverage of net charge-offs (x) | 0.4679% | 4,618 |
| Efficiency ratio | 72.6374% | 4,076 |
| Assets per employee ($millions) | 6.0426% | 1,170 |
| Cash dividends to net income (ytd only)* | -30.2480% | 8,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3763% | 876 |
| Loan loss allowance to noncurrent loans | 41.0143% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 4.6499% | 1,015 |
| Noncurrent loans to loans | 5.7938% | 848 |
| Net loans and leases to total assets | 68.0306% | 4,131 |
| Net loans and leases to deposits | 102.1702% | 1,162 |
| Net loans and leases to core deposits | 127.7448% | 1,803 |
| Total domestic deposits to total assets | 66.5856% | 7,699 |
| Equity capital to assets | 10.0759% | 3,908 |
| Core capital (leverage) ratio | 8.4771% | 5,584 |
| Tier 1 risk-based capital ratio | 10.7898% | 6,108 |
| Total risk-based capital ratio | 12.0862% | 5,964 |
| Memoranda: | ||
| Average total assets | $12,262,458,500 | 100 |
| Average earning assets | $11,242,359,500 | 96 |
| Average equity | $1,234,783,500 | 105 |
| Average total loans | $8,599,220,500 | 95 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3119% | 3,902 |
| Cost of funding earning assets | 2.9643% | 2,011 |
| Net interest margin | 3.3476% | 5,873 |
| Noninterest income to average assets | 0.4089% | 5,398 |
| Noninterest expense to average assets | 4.1328% | 1,225 |
| Loan and lease loss provision to assets | 2.5764% | 399 |
| Net operating income to assets | -2.6833% | 7,756 |
| Return on assets (ROA) | -2.6805% | 7,726 |
| Pretax return on assets | -3.2655% | 7,776 |
| Return on Equity (ROE) | -23.9953% | 7,844 |
| Retained earnings to average equity (ytd only) | -26.8256% | 7,848 |
| Net charge-offs to loans | 2.4966% | 384 |
| Credit loss provision to net charge-offs | 141.6953% | 3,737 |
| Earnings coverage of net charge-offs (x) | -0.3808% | 6,448 |
| Efficiency ratio | 65.8342% | 5,159 |
| Assets per employee ($millions) | 5.8208% | 1,250 |
| Cash dividends to net income (ytd only)* | -11.7951% | 7,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3280% | 820 |
| Loan loss allowance to noncurrent loans | 42.6245% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 4.3382% | 892 |
| Noncurrent loans to loans | 5.4616% | 754 |
| Net loans and leases to total assets | 68.9233% | 4,271 |
| Net loans and leases to deposits | 105.4507% | 1,173 |
| Net loans and leases to core deposits | 134.3365% | 1,580 |
| Total domestic deposits to total assets | 65.3607% | 7,695 |
| Equity capital to assets | 10.0633% | 3,963 |
| Core capital (leverage) ratio | 8.2501% | 6,056 |
| Tier 1 risk-based capital ratio | 10.5576% | 6,147 |
| Total risk-based capital ratio | 11.8524% | 6,003 |
| Memoranda: | ||
| Average total assets | $12,111,778,800 | 99 |
| Average earning assets | $10,968,026,600 | 97 |
| Average equity | $1,353,012,000 | 89 |
| Average total loans | $8,820,899,600 | 92 |