Home > U.S. Bank National Association ND > Performance and Condition Ratios
U.S. Bank National Association ND, Performance and Condition Ratios
| 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 | 4.6858% | 1,576 |
| Cost of funding earning assets | 0.1513% | 6,796 |
| Net interest margin | 4.5345% | 638 |
| Noninterest income to average assets | 5.8209% | 123 |
| Noninterest expense to average assets | 5.1924% | 323 |
| Loan and lease loss provision to assets | 1.4542% | 98 |
| Net operating income to assets | 2.2175% | 234 |
| Return on assets (ROA) | 2.2175% | 258 |
| Pretax return on assets | 3.4370% | 113 |
| Return on Equity (ROE) | 14.5794% | 848 |
| Retained earnings to average equity (ytd only) | 14.5794% | 388 |
| Net charge-offs to loans | 1.3429% | 415 |
| Credit loss provision to net charge-offs | 111.5236% | 1,677 |
| Earnings coverage of net charge-offs (x) | 3.7510% | 2,686 |
| Efficiency ratio | 50.9533% | 6,444 |
| Assets per employee ($millions) | 7.3243% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1423% | 575 |
| Loan loss allowance to noncurrent loans | 270.8284% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 3,480 |
| Noncurrent loans to loans | 1.1602% | 3,837 |
| Net loans and leases to total assets | 94.9597% | 4 |
| Net loans and leases to deposits | 13,158.9520% | 3 |
| Net loans and leases to core deposits | 17,489.6112% | 6 |
| Total domestic deposits to total assets | 0.7216% | 7,014 |
| Equity capital to assets | 15.3168% | 678 |
| Core capital (leverage) ratio | 15.5012% | 515 |
| Tier 1 risk-based capital ratio | 15.7480% | 3,407 |
| Total risk-based capital ratio | 18.6743% | 2,553 |
| Memoranda: | ||
| Average total assets | $6,287,582,500 | 154 |
| Average earning assets | $5,910,638,000 | 146 |
| Average equity | $956,337,500 | 135 |
| Average total loans | $6,105,263,000 | 115 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 2,327 |
| Cost of funding earning assets | 0.1667% | 6,890 |
| Net interest margin | 4.6018% | 784 |
| Noninterest income to average assets | 6.2259% | 113 |
| Noninterest expense to average assets | 5.3106% | 305 |
| Loan and lease loss provision to assets | 1.5423% | 202 |
| Net operating income to assets | 2.3959% | 177 |
| Return on assets (ROA) | 2.3958% | 195 |
| Pretax return on assets | 3.7098% | 89 |
| Return on Equity (ROE) | 17.3223% | 507 |
| Retained earnings to average equity (ytd only) | 17.3223% | 86 |
| Net charge-offs to loans | 1.5787% | 542 |
| Credit loss provision to net charge-offs | 100.3187% | 3,021 |
| Earnings coverage of net charge-offs (x) | 3.4163% | 3,734 |
| Efficiency ratio | 49.6276% | 6,614 |
| Assets per employee ($millions) | 7.2636% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2370% | 533 |
| Loan loss allowance to noncurrent loans | 253.8945% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 1.3299% | 3,418 |
| Noncurrent loans to loans | 1.2749% | 3,705 |
| Net loans and leases to total assets | 93.0271% | 16 |
| Net loans and leases to deposits | 11,262.3428% | 3 |
| Net loans and leases to core deposits | 15,772.5622% | 8 |
| Total domestic deposits to total assets | 0.8260% | 7,076 |
| Equity capital to assets | 15.1007% | 712 |
| Core capital (leverage) ratio | 14.7295% | 620 |
| Tier 1 risk-based capital ratio | 15.7671% | 3,283 |
| Total risk-based capital ratio | 18.7602% | 2,425 |
| Memoranda: | ||
| Average total assets | $6,224,028,200 | 152 |
| Average earning assets | $5,866,001,800 | 145 |
| Average equity | $860,829,200 | 142 |
| Average total loans | $6,061,269,200 | 107 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 2,650 |
| Cost of funding earning assets | 0.1627% | 7,010 |
| Net interest margin | 4.5711% | 863 |
| Noninterest income to average assets | 6.2296% | 106 |
| Noninterest expense to average assets | 5.2992% | 303 |
| Loan and lease loss provision to assets | 1.5333% | 204 |
| Net operating income to assets | 2.4028% | 208 |
| Return on assets (ROA) | 2.4026% | 221 |
| Pretax return on assets | 3.7189% | 92 |
| Return on Equity (ROE) | 17.7788% | 527 |
| Retained earnings to average equity (ytd only) | 17.7788% | 128 |
| Net charge-offs to loans | 1.5779% | 534 |
| Credit loss provision to net charge-offs | 99.4651% | 3,021 |
| Earnings coverage of net charge-offs (x) | 3.4074% | 3,656 |
| Efficiency ratio | 49.5423% | 6,621 |
| Assets per employee ($millions) | 7.7193% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0981% | 654 |
| Loan loss allowance to noncurrent loans | 246.6521% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 1.2614% | 3,776 |
| Noncurrent loans to loans | 1.2561% | 3,957 |
| Net loans and leases to total assets | 94.9224% | 9 |
| Net loans and leases to deposits | 12,551.8504% | 3 |
| Net loans and leases to core deposits | 17,966.9020% | 6 |
| Total domestic deposits to total assets | 0.7562% | 7,177 |
| Equity capital to assets | 14.1977% | 1,078 |
| Core capital (leverage) ratio | 14.2093% | 772 |
| Tier 1 risk-based capital ratio | 14.5436% | 4,155 |
| Total risk-based capital ratio | 17.4689% | 3,120 |
| Memoranda: | ||
| Average total assets | $6,225,619,500 | 153 |
| Average earning assets | $5,886,461,500 | 145 |
| Average equity | $841,309,250 | 141 |
| Average total loans | $6,082,184,750 | 108 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 2,700 |
| Cost of funding earning assets | 0.1608% | 7,093 |
| Net interest margin | 4.5940% | 837 |
| Noninterest income to average assets | 6.0798% | 114 |
| Noninterest expense to average assets | 5.5826% | 260 |
| Loan and lease loss provision to assets | 1.5668% | 222 |
| Net operating income to assets | 2.1103% | 335 |
| Return on assets (ROA) | 2.1100% | 377 |
| Pretax return on assets | 3.2678% | 129 |
| Return on Equity (ROE) | 15.8892% | 782 |
| Retained earnings to average equity (ytd only) | 15.8892% | 230 |
| Net charge-offs to loans | 1.5125% | 660 |
| Credit loss provision to net charge-offs | 106.1303% | 2,564 |
| Earnings coverage of net charge-offs (x) | 3.2751% | 3,434 |
| Efficiency ratio | 52.8613% | 6,434 |
| Assets per employee ($millions) | 7.7432% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1936% | 642 |
| Loan loss allowance to noncurrent loans | 263.0147% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 1.2236% | 3,968 |
| Noncurrent loans to loans | 1.2142% | 4,125 |
| Net loans and leases to total assets | 94.8091% | 6 |
| Net loans and leases to deposits | 12,144.3753% | 3 |
| Net loans and leases to core deposits | 17,964.0028% | 7 |
| Total domestic deposits to total assets | 0.7807% | 7,244 |
| Equity capital to assets | 13.5322% | 1,288 |
| Core capital (leverage) ratio | 13.5361% | 967 |
| Tier 1 risk-based capital ratio | 13.7410% | 4,630 |
| Total risk-based capital ratio | 16.6648% | 3,460 |
| Memoranda: | ||
| Average total assets | $6,183,163,330 | 151 |
| Average earning assets | $5,838,462,000 | 146 |
| Average equity | $821,086,330 | 141 |
| Average total loans | $6,035,175,000 | 108 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8293% | 2,524 |
| Cost of funding earning assets | 0.1408% | 7,206 |
| Net interest margin | 4.6884% | 699 |
| Noninterest income to average assets | 5.8115% | 121 |
| Noninterest expense to average assets | 5.6420% | 244 |
| Loan and lease loss provision to assets | 1.6794% | 195 |
| Net operating income to assets | 1.8748% | 519 |
| Return on assets (ROA) | 1.8742% | 591 |
| Pretax return on assets | 2.9069% | 203 |
| Return on Equity (ROE) | 14.2542% | 1,135 |
| Retained earnings to average equity (ytd only) | 14.2542% | 539 |
| Net charge-offs to loans | 1.5123% | 661 |
| Credit loss provision to net charge-offs | 113.9737% | 2,075 |
| Earnings coverage of net charge-offs (x) | 3.1131% | 2,958 |
| Efficiency ratio | 54.4033% | 6,306 |
| Assets per employee ($millions) | 7.6199% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2277% | 665 |
| Loan loss allowance to noncurrent loans | 258.7388% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 4,010 |
| Noncurrent loans to loans | 1.2475% | 4,250 |
| Net loans and leases to total assets | 95.2260% | 5 |
| Net loans and leases to deposits | 12,184.7330% | 3 |
| Net loans and leases to core deposits | 18,549.1703% | 6 |
| Total domestic deposits to total assets | 0.7815% | 7,304 |
| Equity capital to assets | 13.1307% | 1,386 |
| Core capital (leverage) ratio | 13.4545% | 970 |
| Tier 1 risk-based capital ratio | 13.2370% | 5,046 |
| Total risk-based capital ratio | 16.1745% | 3,773 |
| Memoranda: | ||
| Average total assets | $6,115,523,500 | 150 |
| Average earning assets | $5,762,440,000 | 145 |
| Average equity | $804,116,500 | 142 |
| Average total loans | $5,958,722,500 | 108 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6840% | 4,313 |
| Cost of funding earning assets | 0.1336% | 7,284 |
| Net interest margin | 4.5505% | 1,025 |
| Noninterest income to average assets | 5.9224% | 105 |
| Noninterest expense to average assets | 5.8917% | 224 |
| Loan and lease loss provision to assets | 1.3315% | 603 |
| Net operating income to assets | 1.9306% | 358 |
| Return on assets (ROA) | 1.9309% | 382 |
| Pretax return on assets | 2.9915% | 126 |
| Return on Equity (ROE) | 13.8787% | 963 |
| Retained earnings to average equity (ytd only) | 1.6407% | 5,037 |
| Net charge-offs to loans | 2.0471% | 671 |
| Credit loss provision to net charge-offs | 66.3595% | 4,985 |
| Earnings coverage of net charge-offs (x) | 2.1543% | 4,172 |
| Efficiency ratio | 57.0570% | 6,181 |
| Assets per employee ($millions) | 6.5623% | 926 |
| Cash dividends to net income (ytd only)* | 88.1780% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3684% | 585 |
| Loan loss allowance to noncurrent loans | 239.3234% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 1.4092% | 3,877 |
| Noncurrent loans to loans | 1.4075% | 4,042 |
| Net loans and leases to total assets | 93.1837% | 13 |
| Net loans and leases to deposits | 10,452.7698% | 4 |
| Net loans and leases to core deposits | 15,174.5656% | 11 |
| Total domestic deposits to total assets | 0.8915% | 7,351 |
| Equity capital to assets | 13.1676% | 1,410 |
| Core capital (leverage) ratio | 12.8637% | 1,195 |
| Tier 1 risk-based capital ratio | 13.3843% | 4,782 |
| Total risk-based capital ratio | 16.4055% | 3,508 |
| Memoranda: | ||
| Average total assets | $5,873,286,800 | 153 |
| Average earning assets | $5,539,336,800 | 148 |
| Average equity | $817,131,000 | 136 |
| Average total loans | $5,756,621,600 | 112 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 4,509 |
| Cost of funding earning assets | 0.1387% | 7,365 |
| Net interest margin | 4.5504% | 1,041 |
| Noninterest income to average assets | 6.1207% | 105 |
| Noninterest expense to average assets | 5.0975% | 343 |
| Loan and lease loss provision to assets | 1.3797% | 534 |
| Net operating income to assets | 2.5524% | 143 |
| Return on assets (ROA) | 2.5524% | 149 |
| Pretax return on assets | 3.9484% | 87 |
| Return on Equity (ROE) | 18.0972% | 446 |
| Retained earnings to average equity (ytd only) | 18.0972% | 113 |
| Net charge-offs to loans | 2.0653% | 601 |
| Credit loss provision to net charge-offs | 67.8751% | 4,550 |
| Earnings coverage of net charge-offs (x) | 2.6212% | 3,806 |
| Efficiency ratio | 48.2836% | 6,946 |
| Assets per employee ($millions) | 6.5791% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4383% | 594 |
| Loan loss allowance to noncurrent loans | 258.6838% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 1.3660% | 4,094 |
| Noncurrent loans to loans | 1.3292% | 4,311 |
| Net loans and leases to total assets | 94.7937% | 5 |
| Net loans and leases to deposits | 12,627.6041% | 4 |
| Net loans and leases to core deposits | 19,339.9659% | 9 |
| Total domestic deposits to total assets | 0.7507% | 7,432 |
| Equity capital to assets | 14.5632% | 973 |
| Core capital (leverage) ratio | 14.9966% | 665 |
| Tier 1 risk-based capital ratio | 14.6518% | 3,864 |
| Total risk-based capital ratio | 17.6230% | 2,891 |
| Memoranda: | ||
| Average total assets | $5,842,125,750 | 155 |
| Average earning assets | $5,526,850,750 | 150 |
| Average equity | $823,967,750 | 138 |
| Average total loans | $5,749,796,500 | 110 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 4,416 |
| Cost of funding earning assets | 0.1536% | 7,440 |
| Net interest margin | 4.5723% | 966 |
| Noninterest income to average assets | 6.1709% | 112 |
| Noninterest expense to average assets | 6.0720% | 192 |
| Loan and lease loss provision to assets | 1.7677% | 382 |
| Net operating income to assets | 1.7049% | 595 |
| Return on assets (ROA) | 1.7049% | 643 |
| Pretax return on assets | 2.6537% | 198 |
| Return on Equity (ROE) | 12.2286% | 1,428 |
| Retained earnings to average equity (ytd only) | 12.2286% | 495 |
| Net charge-offs to loans | 2.2446% | 573 |
| Credit loss provision to net charge-offs | 79.9444% | 3,777 |
| Earnings coverage of net charge-offs (x) | 1.9996% | 3,872 |
| Efficiency ratio | 57.2644% | 6,261 |
| Assets per employee ($millions) | 6.2883% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7931% | 472 |
| Loan loss allowance to noncurrent loans | 274.7320% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 1.4376% | 4,056 |
| Noncurrent loans to loans | 1.3807% | 4,342 |
| Net loans and leases to total assets | 94.4288% | 9 |
| Net loans and leases to deposits | 11,840.4973% | 4 |
| Net loans and leases to core deposits | 18,633.7365% | 9 |
| Total domestic deposits to total assets | 0.7975% | 7,509 |
| Equity capital to assets | 13.8612% | 1,146 |
| Core capital (leverage) ratio | 14.0222% | 864 |
| Tier 1 risk-based capital ratio | 13.8972% | 4,237 |
| Total risk-based capital ratio | 16.9122% | 3,118 |
| Memoranda: | ||
| Average total assets | $5,756,560,670 | 158 |
| Average earning assets | $5,442,001,670 | 153 |
| Average equity | $802,561,670 | 139 |
| Average total loans | $5,670,677,330 | 112 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 4,091 |
| Cost of funding earning assets | 0.1791% | 7,490 |
| Net interest margin | 4.6137% | 840 |
| Noninterest income to average assets | 6.3442% | 111 |
| Noninterest expense to average assets | 5.4784% | 265 |
| Loan and lease loss provision to assets | 1.9964% | 275 |
| Net operating income to assets | 2.0859% | 308 |
| Return on assets (ROA) | 2.0859% | 323 |
| Pretax return on assets | 3.2336% | 136 |
| Return on Equity (ROE) | 14.9160% | 832 |
| Retained earnings to average equity (ytd only) | 14.9160% | 397 |
| Net charge-offs to loans | 2.3337% | 514 |
| Credit loss provision to net charge-offs | 86.6773% | 3,002 |
| Earnings coverage of net charge-offs (x) | 2.2707% | 3,177 |
| Efficiency ratio | 50.5873% | 6,949 |
| Assets per employee ($millions) | 6.1055% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0268% | 415 |
| Loan loss allowance to noncurrent loans | 266.0770% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 1.5813% | 3,876 |
| Noncurrent loans to loans | 1.5134% | 4,207 |
| Net loans and leases to total assets | 94.8624% | 7 |
| Net loans and leases to deposits | 10,715.3105% | 4 |
| Net loans and leases to core deposits | 18,079.7244% | 9 |
| Total domestic deposits to total assets | 0.8853% | 7,570 |
| Equity capital to assets | 13.9376% | 1,022 |
| Core capital (leverage) ratio | 14.2876% | 781 |
| Tier 1 risk-based capital ratio | 13.9080% | 4,135 |
| Total risk-based capital ratio | 16.9657% | 3,009 |
| Memoranda: | ||
| Average total assets | $5,657,311,500 | 158 |
| Average earning assets | $5,351,288,000 | 156 |
| Average equity | $791,122,500 | 141 |
| Average total loans | $5,583,518,500 | 113 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 4,550 |
| Cost of funding earning assets | 0.2974% | 7,508 |
| Net interest margin | 4.7044% | 810 |
| Noninterest income to average assets | 6.6504% | 99 |
| Noninterest expense to average assets | 5.9709% | 236 |
| Loan and lease loss provision to assets | 2.3444% | 504 |
| Net operating income to assets | 1.7597% | 454 |
| Return on assets (ROA) | 1.7597% | 499 |
| Pretax return on assets | 2.7233% | 150 |
| Return on Equity (ROE) | 13.1345% | 1,056 |
| Retained earnings to average equity (ytd only) | 13.1345% | 203 |
| Net charge-offs to loans | 2.7644% | 643 |
| Credit loss provision to net charge-offs | 86.7669% | 5,249 |
| Earnings coverage of net charge-offs (x) | 1.8756% | 4,317 |
| Efficiency ratio | 53.4823% | 6,852 |
| Assets per employee ($millions) | 5.7934% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3006% | 311 |
| Loan loss allowance to noncurrent loans | 263.5857% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 1.7016% | 3,749 |
| Noncurrent loans to loans | 1.6316% | 4,056 |
| Net loans and leases to total assets | 94.3042% | 10 |
| Net loans and leases to deposits | 9,864.4263% | 6 |
| Net loans and leases to core deposits | 16,032.4207% | 13 |
| Total domestic deposits to total assets | 0.9560% | 7,650 |
| Equity capital to assets | 14.0326% | 1,027 |
| Core capital (leverage) ratio | 13.6745% | 936 |
| Tier 1 risk-based capital ratio | 14.0608% | 3,827 |
| Total risk-based capital ratio | 17.2051% | 2,727 |
| Memoranda: | ||
| Average total assets | $5,444,996,600 | 158 |
| Average earning assets | $5,079,007,400 | 156 |
| Average equity | $729,516,000 | 145 |
| Average total loans | $5,322,149,600 | 119 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0307% | 4,672 |
| Cost of funding earning assets | 0.3233% | 7,620 |
| Net interest margin | 4.7074% | 832 |
| Noninterest income to average assets | 6.6488% | 101 |
| Noninterest expense to average assets | 5.8570% | 229 |
| Loan and lease loss provision to assets | 2.3564% | 462 |
| Net operating income to assets | 1.8198% | 474 |
| Return on assets (ROA) | 1.8198% | 522 |
| Pretax return on assets | 2.8140% | 151 |
| Return on Equity (ROE) | 13.7491% | 1,083 |
| Retained earnings to average equity (ytd only) | 13.7491% | 291 |
| Net charge-offs to loans | 2.8389% | 569 |
| Credit loss provision to net charge-offs | 85.0996% | 4,959 |
| Earnings coverage of net charge-offs (x) | 1.8672% | 4,306 |
| Efficiency ratio | 52.5006% | 6,933 |
| Assets per employee ($millions) | 6.0815% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3089% | 282 |
| Loan loss allowance to noncurrent loans | 273.8470% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 1.6335% | 3,989 |
| Noncurrent loans to loans | 1.5735% | 4,276 |
| Net loans and leases to total assets | 93.8263% | 11 |
| Net loans and leases to deposits | 11,048.8997% | 6 |
| Net loans and leases to core deposits | 19,278.4472% | 11 |
| Total domestic deposits to total assets | 0.8492% | 7,757 |
| Equity capital to assets | 13.4431% | 1,374 |
| Core capital (leverage) ratio | 13.7075% | 991 |
| Tier 1 risk-based capital ratio | 13.3339% | 4,331 |
| Total risk-based capital ratio | 16.4343% | 3,137 |
| Memoranda: | ||
| Average total assets | $5,423,064,500 | 160 |
| Average earning assets | $5,044,357,000 | 155 |
| Average equity | $717,798,250 | 146 |
| Average total loans | $5,289,671,750 | 121 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0576% | 4,666 |
| Cost of funding earning assets | 0.3704% | 7,679 |
| Net interest margin | 4.6873% | 829 |
| Noninterest income to average assets | 6.6713% | 107 |
| Noninterest expense to average assets | 5.5888% | 261 |
| Loan and lease loss provision to assets | 2.2692% | 518 |
| Net operating income to assets | 2.0470% | 311 |
| Return on assets (ROA) | 2.0470% | 337 |
| Pretax return on assets | 3.1600% | 111 |
| Return on Equity (ROE) | 15.5502% | 755 |
| Retained earnings to average equity (ytd only) | 15.5502% | 211 |
| Net charge-offs to loans | 2.9414% | 550 |
| Credit loss provision to net charge-offs | 79.2388% | 4,727 |
| Earnings coverage of net charge-offs (x) | 1.8958% | 4,101 |
| Efficiency ratio | 50.0967% | 7,217 |
| Assets per employee ($millions) | 5.8015% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4092% | 275 |
| Loan loss allowance to noncurrent loans | 266.1545% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 1.6933% | 3,903 |
| Noncurrent loans to loans | 1.6566% | 4,217 |
| Net loans and leases to total assets | 92.7445% | 22 |
| Net loans and leases to deposits | 10,435.0894% | 5 |
| Net loans and leases to core deposits | 17,475.9297% | 9 |
| Total domestic deposits to total assets | 0.8888% | 7,825 |
| Equity capital to assets | 13.2185% | 1,465 |
| Core capital (leverage) ratio | 13.4194% | 1,090 |
| Tier 1 risk-based capital ratio | 13.1814% | 4,297 |
| Total risk-based capital ratio | 16.3104% | 3,091 |
| Memoranda: | ||
| Average total assets | $5,359,678,330 | 161 |
| Average earning assets | $4,970,243,670 | 156 |
| Average equity | $705,534,670 | 147 |
| Average total loans | $5,218,283,670 | 121 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1409% | 4,341 |
| Cost of funding earning assets | 0.4932% | 7,679 |
| Net interest margin | 4.6478% | 872 |
| Noninterest income to average assets | 6.5675% | 106 |
| Noninterest expense to average assets | 5.3200% | 297 |
| Loan and lease loss provision to assets | 2.8272% | 362 |
| Net operating income to assets | 1.8074% | 487 |
| Return on assets (ROA) | 1.8074% | 536 |
| Pretax return on assets | 2.7301% | 176 |
| Return on Equity (ROE) | 13.7604% | 1,098 |
| Retained earnings to average equity (ytd only) | 13.7604% | 535 |
| Net charge-offs to loans | 3.0332% | 509 |
| Credit loss provision to net charge-offs | 95.5592% | 3,538 |
| Earnings coverage of net charge-offs (x) | 1.8783% | 3,604 |
| Efficiency ratio | 48.2207% | 7,425 |
| Assets per employee ($millions) | 5.6647% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7754% | 207 |
| Loan loss allowance to noncurrent loans | 265.5394% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 1.8543% | 3,702 |
| Noncurrent loans to loans | 1.7984% | 4,051 |
| Net loans and leases to total assets | 93.2600% | 25 |
| Net loans and leases to deposits | 10,139.7117% | 6 |
| Net loans and leases to core deposits | 17,613.9005% | 10 |
| Total domestic deposits to total assets | 0.9198% | 7,927 |
| Equity capital to assets | 13.0456% | 1,505 |
| Core capital (leverage) ratio | 13.2348% | 1,147 |
| Tier 1 risk-based capital ratio | 12.9316% | 4,386 |
| Total risk-based capital ratio | 16.1134% | 3,136 |
| Memoranda: | ||
| Average total assets | $5,257,712,500 | 167 |
| Average earning assets | $4,875,385,000 | 160 |
| Average equity | $690,589,500 | 145 |
| Average total loans | $5,128,451,000 | 123 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1503% | 5,875 |
| Cost of funding earning assets | 0.5254% | 7,821 |
| Net interest margin | 4.6248% | 940 |
| Noninterest income to average assets | 7.0266% | 104 |
| Noninterest expense to average assets | 6.0385% | 302 |
| Loan and lease loss provision to assets | 4.0442% | 328 |
| Net operating income to assets | 0.7416% | 2,763 |
| Return on assets (ROA) | 0.7416% | 2,850 |
| Pretax return on assets | 1.1509% | 2,093 |
| Return on Equity (ROE) | 5.6413% | 3,358 |
| Retained earnings to average equity (ytd only) | 1.9036% | 3,764 |
| Net charge-offs to loans | 2.9316% | 732 |
| Credit loss provision to net charge-offs | 144.9782% | 3,284 |
| Earnings coverage of net charge-offs (x) | 1.8624% | 4,323 |
| Efficiency ratio | 53.2362% | 7,300 |
| Assets per employee ($millions) | 5.1175% | 2,057 |
| Cash dividends to net income (ytd only)* | 66.2550% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1039% | 167 |
| Loan loss allowance to noncurrent loans | 259.6407% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 2.0013% | 3,398 |
| Noncurrent loans to loans | 1.9658% | 3,701 |
| Net loans and leases to total assets | 92.1681% | 33 |
| Net loans and leases to deposits | 9,188.3896% | 7 |
| Net loans and leases to core deposits | 16,716.6619% | 5 |
| Total domestic deposits to total assets | 1.0031% | 8,002 |
| Equity capital to assets | 13.2287% | 1,423 |
| Core capital (leverage) ratio | 12.7683% | 1,320 |
| Tier 1 risk-based capital ratio | 13.2395% | 3,992 |
| Total risk-based capital ratio | 16.5399% | 2,764 |
| Memoranda: | ||
| Average total assets | $5,088,360,400 | 169 |
| Average earning assets | $4,628,682,800 | 162 |
| Average equity | $668,874,200 | 147 |
| Average total loans | $4,841,754,000 | 129 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 6,228 |
| Cost of funding earning assets | 0.5304% | 7,923 |
| Net interest margin | 4.5801% | 1,021 |
| Noninterest income to average assets | 6.2639% | 120 |
| Noninterest expense to average assets | 5.6664% | 351 |
| Loan and lease loss provision to assets | 4.3386% | 242 |
| Net operating income to assets | 0.2608% | 4,946 |
| Return on assets (ROA) | 0.2608% | 5,039 |
| Pretax return on assets | 0.4113% | 4,771 |
| Return on Equity (ROE) | 1.9873% | 5,163 |
| Retained earnings to average equity (ytd only) | -3.0125% | 5,936 |
| Net charge-offs to loans | 2.8809% | 605 |
| Credit loss provision to net charge-offs | 159.0995% | 2,987 |
| Earnings coverage of net charge-offs (x) | 1.7418% | 4,492 |
| Efficiency ratio | 53.9286% | 7,239 |
| Assets per employee ($millions) | 5.5805% | 1,533 |
| Cash dividends to net income (ytd only)* | 251.5850% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8536% | 153 |
| Loan loss allowance to noncurrent loans | 283.5474% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 1.7645% | 3,717 |
| Noncurrent loans to loans | 1.7117% | 4,073 |
| Net loans and leases to total assets | 92.5105% | 45 |
| Net loans and leases to deposits | 4,796.5278% | 7 |
| Net loans and leases to core deposits | 6,281.1586% | 11 |
| Total domestic deposits to total assets | 1.9287% | 8,085 |
| Equity capital to assets | 12.1573% | 2,151 |
| Core capital (leverage) ratio | 12.5357% | 1,567 |
| Tier 1 risk-based capital ratio | 12.1927% | 4,798 |
| Total risk-based capital ratio | 15.4133% | 3,406 |
| Memoranda: | ||
| Average total assets | $5,079,786,250 | 176 |
| Average earning assets | $4,605,490,000 | 173 |
| Average equity | $666,677,750 | 150 |
| Average total loans | $4,808,344,250 | 137 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1470% | 6,264 |
| Cost of funding earning assets | 0.5386% | 8,025 |
| Net interest margin | 4.6084% | 938 |
| Noninterest income to average assets | 5.9725% | 120 |
| Noninterest expense to average assets | 4.3796% | 866 |
| Loan and lease loss provision to assets | 3.2549% | 449 |
| Net operating income to assets | 1.7047% | 560 |
| Return on assets (ROA) | 1.7047% | 608 |
| Pretax return on assets | 2.4858% | 221 |
| Return on Equity (ROE) | 12.6577% | 1,249 |
| Retained earnings to average equity (ytd only) | 5.2275% | 2,382 |
| Net charge-offs to loans | 2.7884% | 595 |
| Credit loss provision to net charge-offs | 124.5245% | 3,737 |
| Earnings coverage of net charge-offs (x) | 2.1963% | 3,971 |
| Efficiency ratio | 42.8297% | 7,962 |
| Assets per employee ($millions) | 5.4810% | 1,598 |
| Cash dividends to net income (ytd only)* | 58.7006% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2130% | 218 |
| Loan loss allowance to noncurrent loans | 260.9099% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 1.6722% | 3,685 |
| Noncurrent loans to loans | 1.6147% | 4,073 |
| Net loans and leases to total assets | 91.9335% | 62 |
| Net loans and leases to deposits | 9,053.2920% | 7 |
| Net loans and leases to core deposits | 16,695.7567% | 6 |
| Total domestic deposits to total assets | 1.0155% | 8,187 |
| Equity capital to assets | 13.3306% | 1,546 |
| Core capital (leverage) ratio | 13.0897% | 1,401 |
| Tier 1 risk-based capital ratio | 13.5209% | 3,806 |
| Total risk-based capital ratio | 16.8394% | 2,709 |
| Memoranda: | ||
| Average total assets | $4,996,598,330 | 186 |
| Average earning assets | $4,497,251,000 | 184 |
| Average equity | $672,936,000 | 154 |
| Average total loans | $4,683,890,670 | 140 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3365% | 5,720 |
| Cost of funding earning assets | 0.5426% | 8,081 |
| Net interest margin | 4.7940% | 619 |
| Noninterest income to average assets | 5.8471% | 115 |
| Noninterest expense to average assets | 4.5854% | 657 |
| Loan and lease loss provision to assets | 0.2528% | 3,951 |
| Net operating income to assets | 3.4228% | 49 |
| Return on assets (ROA) | 3.4228% | 57 |
| Pretax return on assets | 5.2762% | 39 |
| Return on Equity (ROE) | 25.2818% | 178 |
| Retained earnings to average equity (ytd only) | 10.3487% | 1,107 |
| Net charge-offs to loans | 2.5734% | 534 |
| Credit loss provision to net charge-offs | 10.6096% | 5,191 |
| Earnings coverage of net charge-offs (x) | 2.3204% | 3,574 |
| Efficiency ratio | 44.8933% | 7,896 |
| Assets per employee ($millions) | 5.5994% | 1,475 |
| Cash dividends to net income (ytd only)* | 59.0667% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4890% | 325 |
| Loan loss allowance to noncurrent loans | 205.0538% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 1.6968% | 3,381 |
| Noncurrent loans to loans | 1.7015% | 3,705 |
| Net loans and leases to total assets | 89.9867% | 137 |
| Net loans and leases to deposits | 8,774.7826% | 9 |
| Net loans and leases to core deposits | 14,782.5148% | 6 |
| Total domestic deposits to total assets | 1.0255% | 8,238 |
| Equity capital to assets | 13.4849% | 1,536 |
| Core capital (leverage) ratio | 13.2842% | 1,390 |
| Tier 1 risk-based capital ratio | 13.9332% | 3,629 |
| Total risk-based capital ratio | 17.3060% | 2,611 |
| Memoranda: | ||
| Average total assets | $4,946,227,000 | 189 |
| Average earning assets | $4,402,794,000 | 188 |
| Average equity | $669,650,500 | 149 |
| Average total loans | $4,579,698,000 | 143 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7606% | 6,559 |
| Cost of funding earning assets | 1.9226% | 6,669 |
| Net interest margin | 3.8379% | 3,848 |
| Noninterest income to average assets | 6.6199% | 101 |
| Noninterest expense to average assets | 4.4133% | 940 |
| Loan and lease loss provision to assets | 2.9352% | 313 |
| Net operating income to assets | 1.6486% | 751 |
| Return on assets (ROA) | 1.6486% | 723 |
| Pretax return on assets | 2.5460% | 177 |
| Return on Equity (ROE) | 13.5664% | 1,197 |
| Retained earnings to average equity (ytd only) | 9.5848% | 512 |
| Net charge-offs to loans | 1.8264% | 600 |
| Credit loss provision to net charge-offs | 181.3632% | 2,768 |
| Earnings coverage of net charge-offs (x) | 3.3868% | 4,392 |
| Efficiency ratio | 44.1797% | 8,004 |
| Assets per employee ($millions) | 4.5112% | 2,599 |
| Cash dividends to net income (ytd only)* | 29.3489% | 4,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2556% | 158 |
| Loan loss allowance to noncurrent loans | 313.4070% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 1.3487% | 3,514 |
| Noncurrent loans to loans | 1.3579% | 3,806 |
| Net loans and leases to total assets | 88.0045% | 369 |
| Net loans and leases to deposits | 8,259.6674% | 8 |
| Net loans and leases to core deposits | 11,915.2348% | 7 |
| Total domestic deposits to total assets | 1.0655% | 8,294 |
| Equity capital to assets | 13.5943% | 1,571 |
| Core capital (leverage) ratio | 12.5873% | 1,713 |
| Tier 1 risk-based capital ratio | 14.2783% | 3,408 |
| Total risk-based capital ratio | 17.7704% | 2,410 |
| Memoranda: | ||
| Average total assets | $5,167,043,400 | 178 |
| Average earning assets | $4,408,657,000 | 183 |
| Average equity | $627,888,000 | 159 |
| Average total loans | $4,578,566,600 | 144 |