Home > Arvest Bank > Performance and Condition Ratios
Arvest Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 2,558 |
| Cost of funding earning assets | 1.5296% | 1,865 |
| Net interest margin | 3.2287% | 2,800 |
| Noninterest income to average assets | 1.8600% | 293 |
| Noninterest expense to average assets | 4.4687% | 286 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 0.0064% | 4,325 |
| Return on assets (ROA) | 0.0073% | 4,349 |
| Pretax return on assets | 0.0060% | 4,334 |
| Return on Equity (ROE) | 0.1100% | 4,335 |
| Retained earnings to average equity (ytd only) | -0.3986% | 4,131 |
| Net charge-offs to loans | 0.3792% | 278 |
| Credit loss provision to net charge-offs | 126.7817% | 1,622 |
| Earnings coverage of net charge-offs (x) | 1.2871% | 2,765 |
| Efficiency ratio | 93.5035% | 312 |
| Assets per employee ($millions) | 4.3549% | 4,016 |
| Cash dividends to net income (ytd only)* | 463.6548% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,163 |
| Loan loss allowance to noncurrent loans | 146.4758% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 1,199 |
| Noncurrent loans to loans | 0.7030% | 1,109 |
| Net loans and leases to total assets | 62.3300% | 2,650 |
| Net loans and leases to deposits | 79.1333% | 2,176 |
| Net loans and leases to core deposits | 81.7875% | 2,603 |
| Total domestic deposits to total assets | 78.7700% | 3,641 |
| Equity capital to assets | 6.7502% | 4,032 |
| Core capital (leverage) ratio | 8.1066% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7712% | 2,632 |
| Memoranda: | ||
| Average total assets | $27,137,315,600 | 78 |
| Average earning assets | $24,421,207,000 | 75 |
| Average equity | $1,797,445,200 | 104 |
| Average total loans | $16,551,603,200 | 79 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 2,583 |
| Cost of funding earning assets | 1.4262% | 1,795 |
| Net interest margin | 3.2156% | 2,880 |
| Noninterest income to average assets | 1.9200% | 293 |
| Noninterest expense to average assets | 4.4866% | 281 |
| Loan and lease loss provision to assets | 0.3000% | 314 |
| Net operating income to assets | 0.0258% | 4,361 |
| Return on assets (ROA) | 0.0264% | 4,382 |
| Pretax return on assets | 0.0335% | 4,369 |
| Return on Equity (ROE) | 0.4000% | 4,359 |
| Retained earnings to average equity (ytd only) | 0.1656% | 4,082 |
| Net charge-offs to loans | 0.3667% | 238 |
| Credit loss provision to net charge-offs | 127.5983% | 1,440 |
| Earnings coverage of net charge-offs (x) | 1.4935% | 2,531 |
| Efficiency ratio | 92.8724% | 297 |
| Assets per employee ($millions) | 4.3508% | 4,025 |
| Cash dividends to net income (ytd only)* | 58.6342% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,260 |
| Loan loss allowance to noncurrent loans | 175.7127% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 1,535 |
| Noncurrent loans to loans | 0.5801% | 1,380 |
| Net loans and leases to total assets | 61.9900% | 2,657 |
| Net loans and leases to deposits | 79.9130% | 2,059 |
| Net loans and leases to core deposits | 81.9449% | 2,471 |
| Total domestic deposits to total assets | 77.5700% | 3,867 |
| Equity capital to assets | 6.0250% | 3,977 |
| Core capital (leverage) ratio | 8.1881% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8071% | 2,663 |
| Memoranda: | ||
| Average total assets | $27,010,403,500 | 80 |
| Average earning assets | $24,301,802,250 | 77 |
| Average equity | $1,780,286,250 | 105 |
| Average total loans | $16,336,883,000 | 80 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 2,685 |
| Cost of funding earning assets | 1.3010% | 1,708 |
| Net interest margin | 3.1837% | 3,027 |
| Noninterest income to average assets | 1.8900% | 254 |
| Noninterest expense to average assets | 4.4630% | 278 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | -0.0109% | 4,483 |
| Return on assets (ROA) | -0.0102% | 4,472 |
| Pretax return on assets | -0.0385% | 4,472 |
| Return on Equity (ROE) | -0.1500% | 4,446 |
| Retained earnings to average equity (ytd only) | -0.4873% | 4,160 |
| Net charge-offs to loans | 0.3778% | 218 |
| Credit loss provision to net charge-offs | 142.2400% | 1,228 |
| Earnings coverage of net charge-offs (x) | 1.2901% | 2,372 |
| Efficiency ratio | 93.6116% | 270 |
| Assets per employee ($millions) | 4.2750% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,206 |
| Loan loss allowance to noncurrent loans | 206.0212% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3256% | 1,620 |
| Noncurrent loans to loans | 0.5088% | 1,442 |
| Net loans and leases to total assets | 60.6900% | 2,706 |
| Net loans and leases to deposits | 77.8373% | 2,148 |
| Net loans and leases to core deposits | 78.8220% | 2,558 |
| Total domestic deposits to total assets | 77.9700% | 3,851 |
| Equity capital to assets | 6.6197% | 3,943 |
| Core capital (leverage) ratio | 8.2107% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1188% | 2,595 |
| Memoranda: | ||
| Average total assets | $26,883,054,667 | 78 |
| Average earning assets | $24,206,666,333 | 77 |
| Average equity | $1,823,582,667 | 101 |
| Average total loans | $16,063,994,333 | 79 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3050% | 2,789 |
| Cost of funding earning assets | 1.1497% | 1,597 |
| Net interest margin | 3.1552% | 3,222 |
| Noninterest income to average assets | 1.7600% | 271 |
| Noninterest expense to average assets | 4.4164% | 287 |
| Loan and lease loss provision to assets | 0.3500% | 235 |
| Net operating income to assets | -0.0829% | 4,526 |
| Return on assets (ROA) | -0.0823% | 4,511 |
| Pretax return on assets | -0.1578% | 4,514 |
| Return on Equity (ROE) | -1.2000% | 4,490 |
| Retained earnings to average equity (ytd only) | -1.2131% | 4,149 |
| Net charge-offs to loans | 0.3416% | 234 |
| Credit loss provision to net charge-offs | 169.8936% | 900 |
| Earnings coverage of net charge-offs (x) | 0.9336% | 1,989 |
| Efficiency ratio | 95.6318% | 225 |
| Assets per employee ($millions) | 4.1596% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 3,148 |
| Loan loss allowance to noncurrent loans | 167.7089% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 1,300 |
| Noncurrent loans to loans | 0.6442% | 1,168 |
| Net loans and leases to total assets | 58.3900% | 2,832 |
| Net loans and leases to deposits | 72.8215% | 2,399 |
| Net loans and leases to core deposits | 73.5491% | 2,711 |
| Total domestic deposits to total assets | 80.1900% | 3,735 |
| Equity capital to assets | 6.9061% | 3,872 |
| Core capital (leverage) ratio | 8.3092% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6017% | 2,536 |
| Memoranda: | ||
| Average total assets | $26,693,653,000 | 82 |
| Average earning assets | $24,029,452,500 | 81 |
| Average equity | $1,833,048,500 | 102 |
| Average total loans | $15,735,502,500 | 84 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3227% | 3,532 |
| Cost of funding earning assets | 0.2413% | 3,403 |
| Net interest margin | 3.0814% | 3,220 |
| Noninterest income to average assets | 2.1800% | 219 |
| Noninterest expense to average assets | 4.1745% | 295 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.5422% | 4,013 |
| Return on assets (ROA) | 0.5422% | 3,968 |
| Pretax return on assets | 0.6984% | 3,846 |
| Return on Equity (ROE) | 6.7800% | 3,679 |
| Retained earnings to average equity (ytd only) | 0.8892% | 4,222 |
| Net charge-offs to loans | 0.2502% | 318 |
| Credit loss provision to net charge-offs | 77.6558% | 1,695 |
| Earnings coverage of net charge-offs (x) | 5.8610% | 2,356 |
| Efficiency ratio | 83.4835% | 513 |
| Assets per employee ($millions) | 4.0630% | 4,261 |
| Cash dividends to net income (ytd only)* | 86.8802% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 2,918 |
| Loan loss allowance to noncurrent loans | 190.4053% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 1,444 |
| Noncurrent loans to loans | 0.5749% | 1,292 |
| Net loans and leases to total assets | 58.2300% | 2,802 |
| Net loans and leases to deposits | 69.2608% | 2,644 |
| Net loans and leases to core deposits | 69.7992% | 2,890 |
| Total domestic deposits to total assets | 84.0700% | 3,194 |
| Equity capital to assets | 6.8268% | 3,754 |
| Core capital (leverage) ratio | 8.4475% | 4,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7629% | 2,463 |
| Memoranda: | ||
| Average total assets | $26,457,084,400 | 82 |
| Average earning assets | $24,008,842,000 | 82 |
| Average equity | $2,116,649,200 | 102 |
| Average total loans | $14,526,021,400 | 88 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0943% | 3,689 |
| Cost of funding earning assets | 0.1154% | 4,157 |
| Net interest margin | 2.9789% | 3,274 |
| Noninterest income to average assets | 2.3000% | 227 |
| Noninterest expense to average assets | 4.1023% | 307 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.6240% | 3,771 |
| Return on assets (ROA) | 0.6240% | 3,726 |
| Pretax return on assets | 0.7867% | 3,618 |
| Return on Equity (ROE) | 7.5200% | 3,458 |
| Retained earnings to average equity (ytd only) | 0.2555% | 4,301 |
| Net charge-offs to loans | 0.2377% | 288 |
| Credit loss provision to net charge-offs | 97.2834% | 1,350 |
| Earnings coverage of net charge-offs (x) | 7.1119% | 2,087 |
| Efficiency ratio | 81.4559% | 684 |
| Assets per employee ($millions) | 4.0170% | 4,310 |
| Cash dividends to net income (ytd only)* | 96.6037% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,644 |
| Loan loss allowance to noncurrent loans | 194.0249% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 1,456 |
| Noncurrent loans to loans | 0.6072% | 1,339 |
| Net loans and leases to total assets | 57.6500% | 2,744 |
| Net loans and leases to deposits | 65.0808% | 2,786 |
| Net loans and leases to core deposits | 65.4850% | 2,987 |
| Total domestic deposits to total assets | 88.5800% | 2,251 |
| Equity capital to assets | 6.9772% | 3,533 |
| Core capital (leverage) ratio | 8.4089% | 4,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0565% | 2,456 |
| Memoranda: | ||
| Average total assets | $26,461,950,750 | 82 |
| Average earning assets | $24,075,299,500 | 81 |
| Average equity | $2,194,602,000 | 103 |
| Average total loans | $14,266,431,500 | 90 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8319% | 3,931 |
| Cost of funding earning assets | 0.0963% | 4,226 |
| Net interest margin | 2.7357% | 3,626 |
| Noninterest income to average assets | 2.3636% | 195 |
| Noninterest expense to average assets | 4.0220% | 275 |
| Loan and lease loss provision to assets | 0.0611% | 1,500 |
| Net operating income to assets | 0.6141% | 3,591 |
| Return on assets (ROA) | 0.6139% | 3,534 |
| Pretax return on assets | 0.7765% | 3,386 |
| Return on Equity (ROE) | 7.0408% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.0350% | 1,979 |
| Net charge-offs to loans | 0.2510% | 258 |
| Credit loss provision to net charge-offs | 46.3979% | 1,511 |
| Earnings coverage of net charge-offs (x) | 6.3604% | 1,900 |
| Efficiency ratio | 82.3462% | 773 |
| Assets per employee ($millions) | 4.1474% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0819% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,802 |
| Loan loss allowance to noncurrent loans | 196.5216% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 1,632 |
| Noncurrent loans to loans | 0.5999% | 1,411 |
| Net loans and leases to total assets | 53.2976% | 3,032 |
| Net loans and leases to deposits | 60.2047% | 3,032 |
| Net loans and leases to core deposits | 60.5582% | 3,232 |
| Total domestic deposits to total assets | 88.5274% | 2,373 |
| Equity capital to assets | 7.7743% | 3,290 |
| Core capital (leverage) ratio | 8.6058% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1018% | 2,015 |
| Memoranda: | ||
| Average total assets | $26,658,058,000 | 81 |
| Average earning assets | $24,325,672,667 | 80 |
| Average equity | $2,324,381,333 | 98 |
| Average total loans | $13,990,437,333 | 89 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6702% | 3,997 |
| Cost of funding earning assets | 0.0951% | 4,195 |
| Net interest margin | 2.5751% | 3,722 |
| Noninterest income to average assets | 2.4288% | 191 |
| Noninterest expense to average assets | 4.0292% | 273 |
| Loan and lease loss provision to assets | 0.0230% | 1,947 |
| Net operating income to assets | 0.5801% | 3,468 |
| Return on assets (ROA) | 0.5799% | 3,444 |
| Pretax return on assets | 0.7310% | 3,305 |
| Return on Equity (ROE) | 6.3100% | 3,244 |
| Retained earnings to average equity (ytd only) | 6.2991% | 2,142 |
| Net charge-offs to loans | 0.2884% | 221 |
| Credit loss provision to net charge-offs | 15.3815% | 1,304 |
| Earnings coverage of net charge-offs (x) | 5.0532% | 1,613 |
| Efficiency ratio | 83.6929% | 870 |
| Assets per employee ($millions) | 4.1534% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.1732% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,668 |
| Loan loss allowance to noncurrent loans | 186.9577% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 1,643 |
| Noncurrent loans to loans | 0.6613% | 1,433 |
| Net loans and leases to total assets | 51.0631% | 3,065 |
| Net loans and leases to deposits | 58.0036% | 3,078 |
| Net loans and leases to core deposits | 58.3546% | 3,281 |
| Total domestic deposits to total assets | 88.0345% | 2,507 |
| Equity capital to assets | 8.6265% | 3,053 |
| Core capital (leverage) ratio | 8.6027% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4637% | 2,008 |
| Memoranda: | ||
| Average total assets | $26,690,595,500 | 83 |
| Average earning assets | $24,406,623,500 | 82 |
| Average equity | $2,452,862,500 | 97 |
| Average total loans | $13,814,390,500 | 89 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8317% | 4,158 |
| Cost of funding earning assets | 0.1131% | 4,284 |
| Net interest margin | 2.7186% | 3,841 |
| Noninterest income to average assets | 2.4738% | 237 |
| Noninterest expense to average assets | 3.8248% | 342 |
| Loan and lease loss provision to assets | -0.1972% | 4,696 |
| Net operating income to assets | 1.0133% | 2,619 |
| Return on assets (ROA) | 1.1463% | 2,177 |
| Pretax return on assets | 1.5039% | 1,711 |
| Return on Equity (ROE) | 11.7472% | 1,898 |
| Retained earnings to average equity (ytd only) | 11.3482% | 644 |
| Net charge-offs to loans | 0.1428% | 658 |
| Credit loss provision to net charge-offs | -251.9488% | 3,572 |
| Earnings coverage of net charge-offs (x) | 14.5430% | 2,028 |
| Efficiency ratio | 76.5512% | 1,062 |
| Assets per employee ($millions) | 4.1985% | 4,324 |
| Cash dividends to net income (ytd only)* | 3.3968% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 2,425 |
| Loan loss allowance to noncurrent loans | 207.3853% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 1,772 |
| Noncurrent loans to loans | 0.6205% | 1,596 |
| Net loans and leases to total assets | 51.1625% | 3,156 |
| Net loans and leases to deposits | 58.7412% | 3,193 |
| Net loans and leases to core deposits | 59.1125% | 3,382 |
| Total domestic deposits to total assets | 87.0981% | 2,477 |
| Equity capital to assets | 9.7531% | 2,889 |
| Core capital (leverage) ratio | 8.3878% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6379% | 2,001 |
| Memoranda: | ||
| Average total assets | $26,026,691,600 | 86 |
| Average earning assets | $23,831,630,800 | 85 |
| Average equity | $2,539,680,600 | 91 |
| Average total loans | $14,263,856,800 | 87 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8552% | 4,230 |
| Cost of funding earning assets | 0.1213% | 4,344 |
| Net interest margin | 2.7339% | 3,909 |
| Noninterest income to average assets | 2.6130% | 232 |
| Noninterest expense to average assets | 3.7248% | 363 |
| Loan and lease loss provision to assets | -0.2309% | 4,775 |
| Net operating income to assets | 1.2248% | 2,087 |
| Return on assets (ROA) | 1.4033% | 1,592 |
| Pretax return on assets | 1.8459% | 1,056 |
| Return on Equity (ROE) | 14.3787% | 1,290 |
| Retained earnings to average equity (ytd only) | 13.8430% | 521 |
| Net charge-offs to loans | 0.1611% | 522 |
| Credit loss provision to net charge-offs | -257.9078% | 3,446 |
| Earnings coverage of net charge-offs (x) | 15.5185% | 1,861 |
| Efficiency ratio | 72.2873% | 1,377 |
| Assets per employee ($millions) | 4.1773% | 4,345 |
| Cash dividends to net income (ytd only)* | 3.7260% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 2,258 |
| Loan loss allowance to noncurrent loans | 193.4602% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4183% | 1,791 |
| Noncurrent loans to loans | 0.6946% | 1,592 |
| Net loans and leases to total assets | 52.1121% | 3,182 |
| Net loans and leases to deposits | 60.4263% | 3,196 |
| Net loans and leases to core deposits | 60.8338% | 3,410 |
| Total domestic deposits to total assets | 86.2407% | 2,651 |
| Equity capital to assets | 9.8804% | 3,016 |
| Core capital (leverage) ratio | 8.3316% | 4,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5342% | 2,154 |
| Memoranda: | ||
| Average total assets | $25,842,015,500 | 87 |
| Average earning assets | $23,640,685,750 | 87 |
| Average equity | $2,521,984,750 | 92 |
| Average total loans | $14,361,735,000 | 87 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8703% | 4,261 |
| Cost of funding earning assets | 0.1279% | 4,367 |
| Net interest margin | 2.7424% | 3,896 |
| Noninterest income to average assets | 2.8107% | 208 |
| Noninterest expense to average assets | 3.6937% | 370 |
| Loan and lease loss provision to assets | -0.3025% | 4,839 |
| Net operating income to assets | 1.4471% | 1,424 |
| Return on assets (ROA) | 1.7161% | 896 |
| Pretax return on assets | 2.2667% | 510 |
| Return on Equity (ROE) | 17.6602% | 694 |
| Retained earnings to average equity (ytd only) | 16.8514% | 282 |
| Net charge-offs to loans | 0.1714% | 493 |
| Credit loss provision to net charge-offs | -312.2653% | 3,330 |
| Earnings coverage of net charge-offs (x) | 16.7637% | 1,593 |
| Efficiency ratio | 68.9238% | 1,771 |
| Assets per employee ($millions) | 4.2068% | 4,323 |
| Cash dividends to net income (ytd only)* | 4.5794% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 2,023 |
| Loan loss allowance to noncurrent loans | 191.5453% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 1,723 |
| Noncurrent loans to loans | 0.7254% | 1,634 |
| Net loans and leases to total assets | 53.8435% | 3,152 |
| Net loans and leases to deposits | 62.0268% | 3,201 |
| Net loans and leases to core deposits | 62.4467% | 3,422 |
| Total domestic deposits to total assets | 86.8069% | 2,420 |
| Equity capital to assets | 9.8536% | 3,003 |
| Core capital (leverage) ratio | 8.1761% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3052% | 2,246 |
| Memoranda: | ||
| Average total assets | $25,622,349,667 | 87 |
| Average earning assets | $23,421,006,000 | 86 |
| Average equity | $2,489,841,333 | 93 |
| Average total loans | $14,482,866,333 | 87 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9008% | 4,253 |
| Cost of funding earning assets | 0.1329% | 4,436 |
| Net interest margin | 2.7679% | 3,835 |
| Noninterest income to average assets | 3.3152% | 179 |
| Noninterest expense to average assets | 3.9582% | 296 |
| Loan and lease loss provision to assets | 0.0606% | 1,910 |
| Net operating income to assets | 1.3855% | 1,609 |
| Return on assets (ROA) | 1.3863% | 1,689 |
| Pretax return on assets | 1.8257% | 1,245 |
| Return on Equity (ROE) | 14.3703% | 1,359 |
| Retained earnings to average equity (ytd only) | 14.3592% | 715 |
| Net charge-offs to loans | 0.2348% | 362 |
| Credit loss provision to net charge-offs | 44.9046% | 1,332 |
| Earnings coverage of net charge-offs (x) | 13.9596% | 1,380 |
| Efficiency ratio | 67.2211% | 2,039 |
| Assets per employee ($millions) | 4.2471% | 4,313 |
| Cash dividends to net income (ytd only)* | 0.0775% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 1,075 |
| Loan loss allowance to noncurrent loans | 179.9200% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5555% | 1,706 |
| Noncurrent loans to loans | 0.9377% | 1,440 |
| Net loans and leases to total assets | 54.4768% | 3,195 |
| Net loans and leases to deposits | 63.1205% | 3,207 |
| Net loans and leases to core deposits | 63.5840% | 3,452 |
| Total domestic deposits to total assets | 86.3060% | 2,621 |
| Equity capital to assets | 9.3470% | 3,338 |
| Core capital (leverage) ratio | 8.1318% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5191% | 2,483 |
| Memoranda: | ||
| Average total assets | $25,314,678,000 | 86 |
| Average earning assets | $23,123,749,500 | 88 |
| Average equity | $2,442,087,000 | 97 |
| Average total loans | $14,561,124,000 | 88 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4242% | 4,167 |
| Cost of funding earning assets | 0.2509% | 4,369 |
| Net interest margin | 3.1734% | 3,426 |
| Noninterest income to average assets | 2.5570% | 236 |
| Noninterest expense to average assets | 4.2185% | 306 |
| Loan and lease loss provision to assets | 0.6138% | 318 |
| Net operating income to assets | 0.4714% | 4,090 |
| Return on assets (ROA) | 0.4731% | 4,168 |
| Pretax return on assets | 0.6023% | 4,075 |
| Return on Equity (ROE) | 4.5768% | 4,003 |
| Retained earnings to average equity (ytd only) | 4.5276% | 2,517 |
| Net charge-offs to loans | 0.2727% | 628 |
| Credit loss provision to net charge-offs | 353.4144% | 1,573 |
| Earnings coverage of net charge-offs (x) | 6.9896% | 2,732 |
| Efficiency ratio | 76.9794% | 1,124 |
| Assets per employee ($millions) | 3.8477% | 4,472 |
| Cash dividends to net income (ytd only)* | 1.0743% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 1,000 |
| Loan loss allowance to noncurrent loans | 179.7445% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6170% | 1,710 |
| Noncurrent loans to loans | 0.9556% | 1,480 |
| Net loans and leases to total assets | 58.7810% | 3,005 |
| Net loans and leases to deposits | 68.4080% | 3,040 |
| Net loans and leases to core deposits | 68.9712% | 3,335 |
| Total domestic deposits to total assets | 85.9271% | 2,395 |
| Equity capital to assets | 9.9407% | 3,186 |
| Core capital (leverage) ratio | 7.9168% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9986% | 2,626 |
| Memoranda: | ||
| Average total assets | $22,310,329,000 | 88 |
| Average earning assets | $20,215,480,800 | 87 |
| Average equity | $2,306,399,800 | 98 |
| Average total loans | $14,211,135,600 | 87 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5309% | 4,152 |
| Cost of funding earning assets | 0.2864% | 4,365 |
| Net interest margin | 3.2445% | 3,350 |
| Noninterest income to average assets | 2.3856% | 253 |
| Noninterest expense to average assets | 4.3694% | 274 |
| Loan and lease loss provision to assets | 0.6746% | 332 |
| Net operating income to assets | 0.2271% | 4,551 |
| Return on assets (ROA) | 0.2284% | 4,590 |
| Pretax return on assets | 0.2788% | 4,567 |
| Return on Equity (ROE) | 2.1862% | 4,527 |
| Retained earnings to average equity (ytd only) | 2.1198% | 3,887 |
| Net charge-offs to loans | 0.2993% | 526 |
| Credit loss provision to net charge-offs | 347.9118% | 1,617 |
| Earnings coverage of net charge-offs (x) | 4.9083% | 2,780 |
| Efficiency ratio | 81.4003% | 762 |
| Assets per employee ($millions) | 3.8056% | 4,473 |
| Cash dividends to net income (ytd only)* | 3.0363% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 1,221 |
| Loan loss allowance to noncurrent loans | 165.7155% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 1,880 |
| Noncurrent loans to loans | 0.9384% | 1,602 |
| Net loans and leases to total assets | 60.7533% | 3,134 |
| Net loans and leases to deposits | 70.4201% | 3,274 |
| Net loans and leases to core deposits | 70.9674% | 3,558 |
| Total domestic deposits to total assets | 86.2726% | 1,947 |
| Equity capital to assets | 9.7742% | 3,456 |
| Core capital (leverage) ratio | 7.7995% | 4,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7299% | 2,710 |
| Memoranda: | ||
| Average total assets | $21,798,956,000 | 88 |
| Average earning assets | $19,722,738,250 | 88 |
| Average equity | $2,277,716,000 | 100 |
| Average total loans | $14,122,217,000 | 87 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7470% | 3,988 |
| Cost of funding earning assets | 0.3376% | 4,324 |
| Net interest margin | 3.4094% | 3,069 |
| Noninterest income to average assets | 1.9181% | 309 |
| Noninterest expense to average assets | 4.6805% | 231 |
| Loan and lease loss provision to assets | 0.6512% | 448 |
| Net operating income to assets | -0.2344% | 4,868 |
| Return on assets (ROA) | -0.2326% | 4,866 |
| Pretax return on assets | -0.3363% | 4,872 |
| Return on Equity (ROE) | -2.1729% | 4,876 |
| Retained earnings to average equity (ytd only) | -2.2675% | 4,609 |
| Net charge-offs to loans | 0.2508% | 627 |
| Credit loss provision to net charge-offs | 393.6721% | 1,419 |
| Earnings coverage of net charge-offs (x) | 1.8903% | 2,821 |
| Efficiency ratio | 92.9304% | 319 |
| Assets per employee ($millions) | 3.6466% | 4,581 |
| Cash dividends to net income (ytd only)* | -4.3571% | 5,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 1,685 |
| Loan loss allowance to noncurrent loans | 177.7830% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5457% | 2,173 |
| Noncurrent loans to loans | 0.7711% | 1,958 |
| Net loans and leases to total assets | 62.9511% | 3,014 |
| Net loans and leases to deposits | 72.6737% | 3,194 |
| Net loans and leases to core deposits | 73.2346% | 3,505 |
| Total domestic deposits to total assets | 86.6216% | 1,766 |
| Equity capital to assets | 9.8259% | 3,346 |
| Core capital (leverage) ratio | 7.8165% | 4,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4539% | 2,836 |
| Memoranda: | ||
| Average total assets | $21,055,751,667 | 90 |
| Average earning assets | $18,991,133,000 | 90 |
| Average equity | $2,254,087,333 | 102 |
| Average total loans | $13,886,706,333 | 89 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 3,622 |
| Cost of funding earning assets | 0.4623% | 4,104 |
| Net interest margin | 3.6001% | 2,663 |
| Noninterest income to average assets | 1.4702% | 417 |
| Noninterest expense to average assets | 5.4440% | 178 |
| Loan and lease loss provision to assets | 0.6700% | 396 |
| Net operating income to assets | -1.0142% | 4,992 |
| Return on assets (ROA) | -1.0134% | 4,973 |
| Pretax return on assets | -1.4105% | 4,989 |
| Return on Equity (ROE) | -9.0338% | 4,986 |
| Retained earnings to average equity (ytd only) | -9.2243% | 4,736 |
| Net charge-offs to loans | 0.2626% | 557 |
| Credit loss provision to net charge-offs | 379.7526% | 1,038 |
| Earnings coverage of net charge-offs (x) | -4.2016% | 2,514 |
| Efficiency ratio | 114.8314% | 121 |
| Assets per employee ($millions) | 3.1962% | 4,692 |
| Cash dividends to net income (ytd only)* | -2.1084% | 5,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 2,144 |
| Loan loss allowance to noncurrent loans | 170.6569% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 2,263 |
| Noncurrent loans to loans | 0.7630% | 2,090 |
| Net loans and leases to total assets | 65.3058% | 2,898 |
| Net loans and leases to deposits | 78.1165% | 2,875 |
| Net loans and leases to core deposits | 78.8224% | 3,296 |
| Total domestic deposits to total assets | 83.6005% | 2,917 |
| Equity capital to assets | 10.8482% | 2,992 |
| Core capital (leverage) ratio | 8.9626% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7332% | 2,834 |
| Memoranda: | ||
| Average total assets | $19,974,639,000 | 92 |
| Average earning assets | $17,934,570,000 | 89 |
| Average equity | $2,240,788,500 | 101 |
| Average total loans | $13,420,490,500 | 89 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 3,140 |
| Cost of funding earning assets | 0.6549% | 3,387 |
| Net interest margin | 3.7843% | 2,554 |
| Noninterest income to average assets | 2.7978% | 169 |
| Noninterest expense to average assets | 4.7552% | 249 |
| Loan and lease loss provision to assets | 0.3160% | 508 |
| Net operating income to assets | 0.8751% | 3,299 |
| Return on assets (ROA) | 0.8727% | 3,398 |
| Pretax return on assets | 1.1093% | 3,138 |
| Return on Equity (ROE) | 7.5879% | 3,329 |
| Retained earnings to average equity (ytd only) | 5.0792% | 2,379 |
| Net charge-offs to loans | 0.3064% | 678 |
| Credit loss provision to net charge-offs | 153.8497% | 1,656 |
| Earnings coverage of net charge-offs (x) | 6.9540% | 2,920 |
| Efficiency ratio | 76.0744% | 1,356 |
| Assets per employee ($millions) | 3.0418% | 4,808 |
| Cash dividends to net income (ytd only)* | 33.0615% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 2,721 |
| Loan loss allowance to noncurrent loans | 140.7937% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 2,018 |
| Noncurrent loans to loans | 0.8134% | 1,879 |
| Net loans and leases to total assets | 67.4813% | 2,754 |
| Net loans and leases to deposits | 79.4515% | 2,843 |
| Net loans and leases to core deposits | 80.2433% | 3,276 |
| Total domestic deposits to total assets | 84.9339% | 2,518 |
| Equity capital to assets | 11.6110% | 2,420 |
| Core capital (leverage) ratio | 8.4409% | 4,871 |
| Tier 1 risk-based capital ratio | 10.9595% | 4,872 |
| Total risk-based capital ratio | 12.0860% | 4,820 |
| Memoranda: | ||
| Average total assets | $19,108,379,600 | 89 |
| Average earning assets | $17,096,737,200 | 87 |
| Average equity | $2,197,736,400 | 97 |
| Average total loans | $12,808,154,200 | 87 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 3,189 |
| Cost of funding earning assets | 0.6948% | 3,245 |
| Net interest margin | 3.7617% | 2,713 |
| Noninterest income to average assets | 2.7396% | 174 |
| Noninterest expense to average assets | 4.8414% | 231 |
| Loan and lease loss provision to assets | 0.2788% | 545 |
| Net operating income to assets | 0.7798% | 3,741 |
| Return on assets (ROA) | 0.7766% | 3,821 |
| Pretax return on assets | 0.9788% | 3,655 |
| Return on Equity (ROE) | 6.7685% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.4549% | 2,139 |
| Net charge-offs to loans | 0.2813% | 623 |
| Credit loss provision to net charge-offs | 148.5176% | 1,649 |
| Earnings coverage of net charge-offs (x) | 6.7221% | 2,810 |
| Efficiency ratio | 78.5130% | 1,054 |
| Assets per employee ($millions) | 3.0827% | 4,851 |
| Cash dividends to net income (ytd only)* | 4.6334% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1102% | 2,977 |
| Loan loss allowance to noncurrent loans | 135.9643% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 2,118 |
| Noncurrent loans to loans | 0.8165% | 1,929 |
| Net loans and leases to total assets | 66.2921% | 3,017 |
| Net loans and leases to deposits | 78.1504% | 3,084 |
| Net loans and leases to core deposits | 79.0051% | 3,472 |
| Total domestic deposits to total assets | 84.8264% | 2,486 |
| Equity capital to assets | 11.6530% | 2,560 |
| Core capital (leverage) ratio | 8.4340% | 4,972 |
| Tier 1 risk-based capital ratio | 11.0583% | 4,885 |
| Total risk-based capital ratio | 12.1490% | 4,847 |
| Memoranda: | ||
| Average total assets | $19,023,872,000 | 89 |
| Average earning assets | $17,010,005,500 | 89 |
| Average equity | $2,182,690,000 | 98 |
| Average total loans | $12,691,518,250 | 87 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4286% | 3,253 |
| Cost of funding earning assets | 0.7179% | 3,063 |
| Net interest margin | 3.7107% | 2,900 |
| Noninterest income to average assets | 2.8845% | 167 |
| Noninterest expense to average assets | 4.8674% | 236 |
| Loan and lease loss provision to assets | 0.2322% | 696 |
| Net operating income to assets | 0.8727% | 3,392 |
| Return on assets (ROA) | 0.8678% | 3,470 |
| Pretax return on assets | 1.0964% | 3,239 |
| Return on Equity (ROE) | 7.6038% | 3,450 |
| Retained earnings to average equity (ytd only) | 7.5976% | 1,560 |
| Net charge-offs to loans | 0.2625% | 632 |
| Credit loss provision to net charge-offs | 132.8013% | 1,636 |
| Earnings coverage of net charge-offs (x) | 7.6360% | 2,473 |
| Efficiency ratio | 77.6621% | 1,198 |
| Assets per employee ($millions) | 3.1164% | 4,831 |
| Cash dividends to net income (ytd only)* | 0.0816% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 3,240 |
| Loan loss allowance to noncurrent loans | 147.6094% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 2,196 |
| Noncurrent loans to loans | 0.7245% | 2,182 |
| Net loans and leases to total assets | 65.4736% | 3,169 |
| Net loans and leases to deposits | 77.0980% | 3,238 |
| Net loans and leases to core deposits | 77.9192% | 3,586 |
| Total domestic deposits to total assets | 84.9226% | 2,510 |
| Equity capital to assets | 11.5294% | 2,585 |
| Core capital (leverage) ratio | 8.3822% | 5,021 |
| Tier 1 risk-based capital ratio | 11.1031% | 4,868 |
| Total risk-based capital ratio | 12.1527% | 4,869 |
| Memoranda: | ||
| Average total assets | $18,921,308,000 | 87 |
| Average earning assets | $16,917,944,330 | 89 |
| Average equity | $2,159,351,000 | 98 |
| Average total loans | $12,602,299,670 | 87 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 3,265 |
| Cost of funding earning assets | 0.6923% | 3,096 |
| Net interest margin | 3.6982% | 2,895 |
| Noninterest income to average assets | 2.9301% | 152 |
| Noninterest expense to average assets | 4.7201% | 253 |
| Loan and lease loss provision to assets | 0.2200% | 709 |
| Net operating income to assets | 1.0048% | 2,821 |
| Return on assets (ROA) | 0.9948% | 2,901 |
| Pretax return on assets | 1.2793% | 2,532 |
| Return on Equity (ROE) | 8.7635% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.7509% | 1,402 |
| Net charge-offs to loans | 0.2466% | 588 |
| Credit loss provision to net charge-offs | 133.5102% | 1,333 |
| Earnings coverage of net charge-offs (x) | 9.1745% | 2,046 |
| Efficiency ratio | 74.9230% | 1,621 |
| Assets per employee ($millions) | 3.1049% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.1437% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,352 |
| Loan loss allowance to noncurrent loans | 156.0463% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 2,251 |
| Noncurrent loans to loans | 0.6801% | 2,318 |
| Net loans and leases to total assets | 65.3009% | 3,132 |
| Net loans and leases to deposits | 76.7856% | 3,188 |
| Net loans and leases to core deposits | 77.6663% | 3,540 |
| Total domestic deposits to total assets | 85.0432% | 2,665 |
| Equity capital to assets | 11.3565% | 2,519 |
| Core capital (leverage) ratio | 8.4769% | 5,023 |
| Tier 1 risk-based capital ratio | 10.9549% | 4,999 |
| Total risk-based capital ratio | 11.9942% | 4,992 |
| Memoranda: | ||
| Average total assets | $18,752,224,500 | 91 |
| Average earning assets | $16,743,051,000 | 88 |
| Average equity | $2,128,777,000 | 96 |
| Average total loans | $12,530,361,500 | 88 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 3,424 |
| Cost of funding earning assets | 0.3822% | 4,093 |
| Net interest margin | 3.8261% | 2,575 |
| Noninterest income to average assets | 2.8325% | 164 |
| Noninterest expense to average assets | 4.6972% | 255 |
| Loan and lease loss provision to assets | 0.2016% | 936 |
| Net operating income to assets | 1.0610% | 2,757 |
| Return on assets (ROA) | 1.0531% | 2,780 |
| Pretax return on assets | 1.3563% | 2,289 |
| Return on Equity (ROE) | 9.6439% | 2,668 |
| Retained earnings to average equity (ytd only) | 9.6115% | 705 |
| Net charge-offs to loans | 0.2240% | 870 |
| Credit loss provision to net charge-offs | 138.4362% | 1,947 |
| Earnings coverage of net charge-offs (x) | 10.7646% | 2,688 |
| Efficiency ratio | 74.2646% | 1,594 |
| Assets per employee ($millions) | 2.9920% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.3356% | 4,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 3,394 |
| Loan loss allowance to noncurrent loans | 138.4392% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 1,991 |
| Noncurrent loans to loans | 0.7573% | 2,110 |
| Net loans and leases to total assets | 66.9732% | 3,008 |
| Net loans and leases to deposits | 78.5775% | 3,099 |
| Net loans and leases to core deposits | 79.4555% | 3,465 |
| Total domestic deposits to total assets | 85.2320% | 2,539 |
| Equity capital to assets | 11.3579% | 2,361 |
| Core capital (leverage) ratio | 8.2630% | 5,145 |
| Tier 1 risk-based capital ratio | 10.9363% | 5,003 |
| Total risk-based capital ratio | 11.9777% | 4,992 |
| Memoranda: | ||
| Average total assets | $17,938,224,200 | 91 |
| Average earning assets | $16,093,674,400 | 91 |
| Average equity | $1,958,831,400 | 99 |
| Average total loans | $11,666,413,800 | 91 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 3,319 |
| Cost of funding earning assets | 0.3173% | 4,398 |
| Net interest margin | 3.8842% | 2,364 |
| Noninterest income to average assets | 2.7151% | 183 |
| Noninterest expense to average assets | 4.4241% | 315 |
| Loan and lease loss provision to assets | 0.1695% | 1,101 |
| Net operating income to assets | 1.2508% | 2,040 |
| Return on assets (ROA) | 1.2503% | 2,051 |
| Pretax return on assets | 1.6122% | 1,546 |
| Return on Equity (ROE) | 11.5750% | 1,965 |
| Retained earnings to average equity (ytd only) | 11.5311% | 551 |
| Net charge-offs to loans | 0.2226% | 765 |
| Credit loss provision to net charge-offs | 118.3058% | 2,003 |
| Earnings coverage of net charge-offs (x) | 12.4420% | 2,451 |
| Efficiency ratio | 70.6115% | 2,104 |
| Assets per employee ($millions) | 3.1656% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.3796% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,700 |
| Loan loss allowance to noncurrent loans | 114.8236% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 1,901 |
| Noncurrent loans to loans | 0.8788% | 1,943 |
| Net loans and leases to total assets | 66.0918% | 3,163 |
| Net loans and leases to deposits | 77.0529% | 3,317 |
| Net loans and leases to core deposits | 77.7533% | 3,678 |
| Total domestic deposits to total assets | 85.7746% | 2,295 |
| Equity capital to assets | 11.1097% | 2,561 |
| Core capital (leverage) ratio | 8.1746% | 5,263 |
| Tier 1 risk-based capital ratio | 11.2450% | 4,929 |
| Total risk-based capital ratio | 12.2707% | 4,925 |
| Memoranda: | ||
| Average total assets | $17,810,153,500 | 90 |
| Average earning assets | $16,009,194,500 | 92 |
| Average equity | $1,923,771,500 | 99 |
| Average total loans | $11,459,927,750 | 92 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 3,972 |
| Cost of funding earning assets | 0.2734% | 4,611 |
| Net interest margin | 3.6640% | 3,065 |
| Noninterest income to average assets | 2.6415% | 195 |
| Noninterest expense to average assets | 4.2714% | 375 |
| Loan and lease loss provision to assets | 0.1764% | 1,028 |
| Net operating income to assets | 1.1632% | 2,333 |
| Return on assets (ROA) | 1.1635% | 2,337 |
| Pretax return on assets | 1.4962% | 1,829 |
| Return on Equity (ROE) | 10.8793% | 2,162 |
| Retained earnings to average equity (ytd only) | 10.8190% | 705 |
| Net charge-offs to loans | 0.2262% | 704 |
| Credit loss provision to net charge-offs | 122.7222% | 1,776 |
| Earnings coverage of net charge-offs (x) | 11.6348% | 2,254 |
| Efficiency ratio | 71.6114% | 2,066 |
| Assets per employee ($millions) | 3.2184% | 4,914 |
| Cash dividends to net income (ytd only)* | 0.5540% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,841 |
| Loan loss allowance to noncurrent loans | 133.1235% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 2,457 |
| Noncurrent loans to loans | 0.7509% | 2,238 |
| Net loans and leases to total assets | 65.4192% | 3,222 |
| Net loans and leases to deposits | 75.7771% | 3,358 |
| Net loans and leases to core deposits | 76.4780% | 3,707 |
| Total domestic deposits to total assets | 86.3311% | 2,125 |
| Equity capital to assets | 10.6404% | 2,983 |
| Core capital (leverage) ratio | 7.8649% | 5,381 |
| Tier 1 risk-based capital ratio | 10.7563% | 5,166 |
| Total risk-based capital ratio | 11.7791% | 5,158 |
| Memoranda: | ||
| Average total assets | $17,593,433,330 | 91 |
| Average earning assets | $15,856,792,670 | 92 |
| Average equity | $1,881,551,670 | 100 |
| Average total loans | $11,181,803,330 | 94 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 4,404 |
| Cost of funding earning assets | 0.2321% | 4,821 |
| Net interest margin | 3.4984% | 3,544 |
| Noninterest income to average assets | 2.3494% | 216 |
| Noninterest expense to average assets | 3.9483% | 559 |
| Loan and lease loss provision to assets | 0.2029% | 821 |
| Net operating income to assets | 1.0719% | 2,557 |
| Return on assets (ROA) | 1.0723% | 2,567 |
| Pretax return on assets | 1.3648% | 2,124 |
| Return on Equity (ROE) | 9.9988% | 2,429 |
| Retained earnings to average equity (ytd only) | 9.8746% | 1,201 |
| Net charge-offs to loans | 0.2600% | 593 |
| Credit loss provision to net charge-offs | 125.5415% | 1,355 |
| Earnings coverage of net charge-offs (x) | 9.6978% | 1,949 |
| Efficiency ratio | 71.3035% | 2,298 |
| Assets per employee ($millions) | 3.0277% | 5,131 |
| Cash dividends to net income (ytd only)* | 1.2422% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 3,093 |
| Loan loss allowance to noncurrent loans | 149.6077% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 2,619 |
| Noncurrent loans to loans | 0.7683% | 2,283 |
| Net loans and leases to total assets | 60.9653% | 3,654 |
| Net loans and leases to deposits | 70.8839% | 3,713 |
| Net loans and leases to core deposits | 71.5910% | 3,998 |
| Total domestic deposits to total assets | 86.0073% | 2,536 |
| Equity capital to assets | 10.6159% | 2,953 |
| Core capital (leverage) ratio | 8.7957% | 4,898 |
| Tier 1 risk-based capital ratio | 12.7210% | 4,102 |
| Total risk-based capital ratio | 13.8857% | 4,057 |
| Memoranda: | ||
| Average total assets | $17,026,284,500 | 95 |
| Average earning assets | $15,409,325,500 | 94 |
| Average equity | $1,825,973,500 | 102 |
| Average total loans | $10,585,085,500 | 98 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 4,692 |
| Cost of funding earning assets | 0.2070% | 4,889 |
| Net interest margin | 3.3439% | 4,027 |
| Noninterest income to average assets | 2.7468% | 195 |
| Noninterest expense to average assets | 4.2870% | 383 |
| Loan and lease loss provision to assets | 0.2100% | 951 |
| Net operating income to assets | 0.8795% | 2,818 |
| Return on assets (ROA) | 0.8711% | 2,880 |
| Pretax return on assets | 1.2550% | 2,529 |
| Return on Equity (ROE) | 8.4449% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.1511% | 711 |
| Net charge-offs to loans | 0.2456% | 1,059 |
| Credit loss provision to net charge-offs | 143.1970% | 1,850 |
| Earnings coverage of net charge-offs (x) | 10.0745% | 2,717 |
| Efficiency ratio | 74.0935% | 1,879 |
| Assets per employee ($millions) | 2.9154% | 5,256 |
| Cash dividends to net income (ytd only)* | 3.4791% | 4,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 3,066 |
| Loan loss allowance to noncurrent loans | 145.2618% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 0.5866% | 2,601 |
| Noncurrent loans to loans | 0.7919% | 2,235 |
| Net loans and leases to total assets | 61.9721% | 3,628 |
| Net loans and leases to deposits | 72.2776% | 3,676 |
| Net loans and leases to core deposits | 73.0380% | 3,965 |
| Total domestic deposits to total assets | 85.7418% | 2,555 |
| Equity capital to assets | 10.8650% | 2,770 |
| Core capital (leverage) ratio | 8.5289% | 5,111 |
| Tier 1 risk-based capital ratio | 12.5593% | 4,172 |
| Total risk-based capital ratio | 13.7308% | 4,116 |
| Memoranda: | ||
| Average total assets | $16,941,159,000 | 93 |
| Average earning assets | $15,287,394,200 | 92 |
| Average equity | $1,747,394,000 | 103 |
| Average total loans | $10,113,825,000 | 98 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4765% | 4,847 |
| Cost of funding earning assets | 0.2047% | 4,940 |
| Net interest margin | 3.2719% | 4,257 |
| Noninterest income to average assets | 2.7683% | 202 |
| Noninterest expense to average assets | 4.3195% | 367 |
| Loan and lease loss provision to assets | 0.2112% | 892 |
| Net operating income to assets | 0.8026% | 3,514 |
| Return on assets (ROA) | 0.8029% | 3,558 |
| Pretax return on assets | 1.1896% | 2,945 |
| Return on Equity (ROE) | 7.8877% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.8774% | 1,268 |
| Net charge-offs to loans | 0.2356% | 908 |
| Credit loss provision to net charge-offs | 151.9998% | 1,673 |
| Earnings coverage of net charge-offs (x) | 10.0796% | 2,632 |
| Efficiency ratio | 75.2383% | 1,702 |
| Assets per employee ($millions) | 2.9400% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.1310% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1561% | 3,169 |
| Loan loss allowance to noncurrent loans | 138.6669% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 2,701 |
| Noncurrent loans to loans | 0.8337% | 2,279 |
| Net loans and leases to total assets | 60.2968% | 3,826 |
| Net loans and leases to deposits | 70.1391% | 3,949 |
| Net loans and leases to core deposits | 70.9098% | 4,194 |
| Total domestic deposits to total assets | 85.9675% | 2,326 |
| Equity capital to assets | 10.5846% | 3,274 |
| Core capital (leverage) ratio | 8.3250% | 5,353 |
| Tier 1 risk-based capital ratio | 12.5302% | 4,300 |
| Total risk-based capital ratio | 13.7542% | 4,226 |
| Memoranda: | ||
| Average total assets | $16,987,720,000 | 90 |
| Average earning assets | $15,325,032,000 | 90 |
| Average equity | $1,729,138,750 | 103 |
| Average total loans | $10,016,229,500 | 97 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4315% | 4,911 |
| Cost of funding earning assets | 0.2028% | 4,950 |
| Net interest margin | 3.2287% | 4,328 |
| Noninterest income to average assets | 2.7819% | 200 |
| Noninterest expense to average assets | 4.3000% | 373 |
| Loan and lease loss provision to assets | 0.1951% | 948 |
| Net operating income to assets | 0.8052% | 3,374 |
| Return on assets (ROA) | 0.8114% | 3,401 |
| Pretax return on assets | 1.2043% | 2,758 |
| Return on Equity (ROE) | 8.0777% | 2,980 |
| Retained earnings to average equity (ytd only) | 8.0698% | 1,135 |
| Net charge-offs to loans | 0.2123% | 962 |
| Credit loss provision to net charge-offs | 157.6817% | 1,481 |
| Earnings coverage of net charge-offs (x) | 11.2354% | 2,292 |
| Efficiency ratio | 75.2940% | 1,819 |
| Assets per employee ($millions) | 2.9723% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0971% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,366 |
| Loan loss allowance to noncurrent loans | 126.5423% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6272% | 2,682 |
| Noncurrent loans to loans | 0.9016% | 2,174 |
| Net loans and leases to total assets | 58.1906% | 4,008 |
| Net loans and leases to deposits | 67.1760% | 4,131 |
| Net loans and leases to core deposits | 67.9680% | 4,350 |
| Total domestic deposits to total assets | 86.6240% | 2,122 |
| Equity capital to assets | 10.1641% | 3,718 |
| Core capital (leverage) ratio | 7.9046% | 5,567 |
| Tier 1 risk-based capital ratio | 12.0171% | 4,622 |
| Total risk-based capital ratio | 13.2172% | 4,541 |
| Memoranda: | ||
| Average total assets | $17,011,439,000 | 91 |
| Average earning assets | $15,323,366,330 | 91 |
| Average equity | $1,708,737,670 | 103 |
| Average total loans | $9,915,074,000 | 98 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3740% | 4,986 |
| Cost of funding earning assets | 0.1913% | 5,055 |
| Net interest margin | 3.1826% | 4,399 |
| Noninterest income to average assets | 2.5933% | 224 |
| Noninterest expense to average assets | 4.1584% | 444 |
| Loan and lease loss provision to assets | 0.1848% | 922 |
| Net operating income to assets | 0.7513% | 3,471 |
| Return on assets (ROA) | 0.7638% | 3,459 |
| Pretax return on assets | 1.1298% | 2,866 |
| Return on Equity (ROE) | 7.6509% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.6350% | 1,594 |
| Net charge-offs to loans | 0.2403% | 746 |
| Credit loss provision to net charge-offs | 132.6187% | 1,298 |
| Earnings coverage of net charge-offs (x) | 9.3012% | 1,999 |
| Efficiency ratio | 75.9482% | 1,915 |
| Assets per employee ($millions) | 2.8635% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.2080% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 3,485 |
| Loan loss allowance to noncurrent loans | 118.9951% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.6626% | 2,649 |
| Noncurrent loans to loans | 0.9545% | 2,135 |
| Net loans and leases to total assets | 57.1880% | 4,047 |
| Net loans and leases to deposits | 66.1712% | 4,161 |
| Net loans and leases to core deposits | 66.9827% | 4,359 |
| Total domestic deposits to total assets | 86.4243% | 2,482 |
| Equity capital to assets | 9.9843% | 3,776 |
| Core capital (leverage) ratio | 7.8011% | 5,632 |
| Tier 1 risk-based capital ratio | 11.8457% | 4,816 |
| Total risk-based capital ratio | 13.0185% | 4,778 |
| Memoranda: | ||
| Average total assets | $16,867,807,500 | 91 |
| Average earning assets | $15,164,871,000 | 91 |
| Average equity | $1,683,977,000 | 103 |
| Average total loans | $9,781,418,000 | 97 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2202% | 5,270 |
| Cost of funding earning assets | 0.2039% | 4,979 |
| Net interest margin | 3.0163% | 4,923 |
| Noninterest income to average assets | 2.6509% | 240 |
| Noninterest expense to average assets | 4.3475% | 430 |
| Loan and lease loss provision to assets | 0.1225% | 2,014 |
| Net operating income to assets | 0.6197% | 4,124 |
| Return on assets (ROA) | 0.6215% | 4,233 |
| Pretax return on assets | 0.8947% | 3,867 |
| Return on Equity (ROE) | 6.2145% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.6920% | 1,889 |
| Net charge-offs to loans | 0.1912% | 1,447 |
| Credit loss provision to net charge-offs | 113.5453% | 2,317 |
| Earnings coverage of net charge-offs (x) | 9.4016% | 2,756 |
| Efficiency ratio | 80.7697% | 1,331 |
| Assets per employee ($millions) | 2.7632% | 5,515 |
| Cash dividends to net income (ytd only)* | 8.4088% | 4,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 3,515 |
| Loan loss allowance to noncurrent loans | 111.7946% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 2,612 |
| Noncurrent loans to loans | 1.0153% | 2,062 |
| Net loans and leases to total assets | 57.5014% | 4,115 |
| Net loans and leases to deposits | 66.5946% | 4,201 |
| Net loans and leases to core deposits | 67.4596% | 4,438 |
| Total domestic deposits to total assets | 86.3455% | 2,437 |
| Equity capital to assets | 9.9888% | 3,736 |
| Core capital (leverage) ratio | 7.8598% | 5,666 |
| Tier 1 risk-based capital ratio | 12.0234% | 4,715 |
| Total risk-based capital ratio | 13.1679% | 4,665 |
| Memoranda: | ||
| Average total assets | $16,520,228,600 | 86 |
| Average earning assets | $14,849,980,600 | 87 |
| Average equity | $1,652,225,800 | 99 |
| Average total loans | $9,323,837,800 | 97 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1617% | 5,417 |
| Cost of funding earning assets | 0.2043% | 5,027 |
| Net interest margin | 2.9573% | 5,086 |
| Noninterest income to average assets | 2.7216% | 234 |
| Noninterest expense to average assets | 4.4423% | 403 |
| Loan and lease loss provision to assets | 0.1172% | 1,970 |
| Net operating income to assets | 0.5674% | 4,426 |
| Return on assets (ROA) | 0.5697% | 4,523 |
| Pretax return on assets | 0.8266% | 4,222 |
| Return on Equity (ROE) | 5.6946% | 4,217 |
| Retained earnings to average equity (ytd only) | 4.9964% | 2,831 |
| Net charge-offs to loans | 0.1710% | 1,346 |
| Credit loss provision to net charge-offs | 122.3245% | 2,063 |
| Earnings coverage of net charge-offs (x) | 9.8196% | 2,649 |
| Efficiency ratio | 82.2074% | 1,170 |
| Assets per employee ($millions) | 2.8066% | 5,545 |
| Cash dividends to net income (ytd only)* | 12.2607% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 3,477 |
| Loan loss allowance to noncurrent loans | 124.1057% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 3,062 |
| Noncurrent loans to loans | 0.9358% | 2,374 |
| Net loans and leases to total assets | 55.0780% | 4,395 |
| Net loans and leases to deposits | 63.7775% | 4,506 |
| Net loans and leases to core deposits | 64.6020% | 4,692 |
| Total domestic deposits to total assets | 86.3596% | 2,187 |
| Equity capital to assets | 9.8826% | 4,266 |
| Core capital (leverage) ratio | 7.5978% | 5,814 |
| Tier 1 risk-based capital ratio | 11.8765% | 4,865 |
| Total risk-based capital ratio | 13.0571% | 4,806 |
| Memoranda: | ||
| Average total assets | $16,480,649,000 | 85 |
| Average earning assets | $14,830,165,500 | 88 |
| Average equity | $1,648,783,500 | 99 |
| Average total loans | $9,229,670,500 | 97 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1310% | 5,516 |
| Cost of funding earning assets | 0.2058% | 5,084 |
| Net interest margin | 2.9252% | 5,220 |
| Noninterest income to average assets | 2.7529% | 227 |
| Noninterest expense to average assets | 4.5888% | 355 |
| Loan and lease loss provision to assets | 0.1197% | 1,902 |
| Net operating income to assets | 0.4749% | 4,784 |
| Return on assets (ROA) | 0.4784% | 4,872 |
| Pretax return on assets | 0.6789% | 4,683 |
| Return on Equity (ROE) | 4.7613% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.6310% | 2,955 |
| Net charge-offs to loans | 0.1275% | 1,566 |
| Credit loss provision to net charge-offs | 167.7336% | 1,474 |
| Earnings coverage of net charge-offs (x) | 11.1251% | 2,281 |
| Efficiency ratio | 84.9291% | 971 |
| Assets per employee ($millions) | 2.7491% | 5,644 |
| Cash dividends to net income (ytd only)* | 2.7382% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 3,352 |
| Loan loss allowance to noncurrent loans | 142.6177% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 3,272 |
| Noncurrent loans to loans | 0.8421% | 2,640 |
| Net loans and leases to total assets | 55.2749% | 4,384 |
| Net loans and leases to deposits | 64.4876% | 4,458 |
| Net loans and leases to core deposits | 65.3830% | 4,653 |
| Total domestic deposits to total assets | 85.7140% | 2,551 |
| Equity capital to assets | 10.0667% | 4,143 |
| Core capital (leverage) ratio | 7.5889% | 5,860 |
| Tier 1 risk-based capital ratio | 11.8557% | 4,937 |
| Total risk-based capital ratio | 13.0639% | 4,842 |
| Memoranda: | ||
| Average total assets | $16,291,815,670 | 85 |
| Average earning assets | $14,644,946,000 | 88 |
| Average equity | $1,636,810,670 | 99 |
| Average total loans | $9,111,999,000 | 98 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1055% | 5,601 |
| Cost of funding earning assets | 0.2059% | 5,148 |
| Net interest margin | 2.8996% | 5,319 |
| Noninterest income to average assets | 2.8053% | 219 |
| Noninterest expense to average assets | 4.5438% | 377 |
| Loan and lease loss provision to assets | 0.0751% | 2,459 |
| Net operating income to assets | 0.5419% | 4,456 |
| Return on assets (ROA) | 0.5455% | 4,545 |
| Pretax return on assets | 0.7992% | 4,198 |
| Return on Equity (ROE) | 5.4353% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.1717% | 2,835 |
| Net charge-offs to loans | 0.0885% | 1,612 |
| Credit loss provision to net charge-offs | 151.6274% | 1,264 |
| Earnings coverage of net charge-offs (x) | 17.5493% | 1,571 |
| Efficiency ratio | 83.6179% | 1,196 |
| Assets per employee ($millions) | 2.7633% | 5,701 |
| Cash dividends to net income (ytd only)* | 4.8500% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 3,492 |
| Loan loss allowance to noncurrent loans | 140.9890% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 3,258 |
| Noncurrent loans to loans | 0.8498% | 2,724 |
| Net loans and leases to total assets | 54.6017% | 4,392 |
| Net loans and leases to deposits | 64.4756% | 4,395 |
| Net loans and leases to core deposits | 65.4522% | 4,581 |
| Total domestic deposits to total assets | 84.6858% | 3,247 |
| Equity capital to assets | 9.9477% | 4,145 |
| Core capital (leverage) ratio | 7.9572% | 5,791 |
| Tier 1 risk-based capital ratio | 12.3965% | 4,655 |
| Total risk-based capital ratio | 13.6228% | 4,570 |
| Memoranda: | ||
| Average total assets | $16,131,463,500 | 86 |
| Average earning assets | $14,506,848,000 | 89 |
| Average equity | $1,619,051,000 | 97 |
| Average total loans | $9,020,910,000 | 98 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1021% | 5,627 |
| Cost of funding earning assets | 0.2314% | 4,997 |
| Net interest margin | 2.8708% | 5,385 |
| Noninterest income to average assets | 2.5139% | 265 |
| Noninterest expense to average assets | 4.5045% | 410 |
| Loan and lease loss provision to assets | -0.0483% | 5,741 |
| Net operating income to assets | 0.4272% | 4,962 |
| Return on assets (ROA) | 0.4274% | 5,043 |
| Pretax return on assets | 0.6260% | 4,764 |
| Return on Equity (ROE) | 4.1262% | 4,888 |
| Retained earnings to average equity (ytd only) | -1.1693% | 5,680 |
| Net charge-offs to loans | 0.2029% | 1,438 |
| Credit loss provision to net charge-offs | -42.2918% | 5,042 |
| Earnings coverage of net charge-offs (x) | 5.0593% | 3,442 |
| Efficiency ratio | 88.3330% | 811 |
| Assets per employee ($millions) | 2.6443% | 5,819 |
| Cash dividends to net income (ytd only)* | 128.3395% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 3,365 |
| Loan loss allowance to noncurrent loans | 131.9373% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 3,022 |
| Noncurrent loans to loans | 0.9236% | 2,491 |
| Net loans and leases to total assets | 55.9462% | 4,301 |
| Net loans and leases to deposits | 64.6954% | 4,420 |
| Net loans and leases to core deposits | 65.7300% | 4,615 |
| Total domestic deposits to total assets | 86.4763% | 2,390 |
| Equity capital to assets | 10.1347% | 3,823 |
| Core capital (leverage) ratio | 8.1356% | 5,751 |
| Tier 1 risk-based capital ratio | 13.0226% | 4,294 |
| Total risk-based capital ratio | 14.2637% | 4,215 |
| Memoranda: | ||
| Average total assets | $15,521,207,800 | 87 |
| Average earning assets | $13,884,662,400 | 90 |
| Average equity | $1,607,658,400 | 92 |
| Average total loans | $8,730,064,400 | 98 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0826% | 5,726 |
| Cost of funding earning assets | 0.2366% | 5,024 |
| Net interest margin | 2.8461% | 5,503 |
| Noninterest income to average assets | 2.4840% | 266 |
| Noninterest expense to average assets | 4.4989% | 408 |
| Loan and lease loss provision to assets | -0.0576% | 5,930 |
| Net operating income to assets | 0.4014% | 5,157 |
| Return on assets (ROA) | 0.4016% | 5,244 |
| Pretax return on assets | 0.5867% | 5,009 |
| Return on Equity (ROE) | 3.8563% | 5,085 |
| Retained earnings to average equity (ytd only) | -2.7866% | 5,918 |
| Net charge-offs to loans | 0.1934% | 1,322 |
| Credit loss provision to net charge-offs | -53.1016% | 4,975 |
| Earnings coverage of net charge-offs (x) | 4.8704% | 3,287 |
| Efficiency ratio | 89.1788% | 754 |
| Assets per employee ($millions) | 2.6272% | 5,885 |
| Cash dividends to net income (ytd only)* | 172.2608% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 3,033 |
| Loan loss allowance to noncurrent loans | 117.6733% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9097% | 2,593 |
| Noncurrent loans to loans | 1.1136% | 2,272 |
| Net loans and leases to total assets | 55.6702% | 4,394 |
| Net loans and leases to deposits | 64.8006% | 4,488 |
| Net loans and leases to core deposits | 65.8147% | 4,706 |
| Total domestic deposits to total assets | 85.9100% | 2,576 |
| Equity capital to assets | 10.2214% | 3,904 |
| Core capital (leverage) ratio | 8.1715% | 5,800 |
| Tier 1 risk-based capital ratio | 12.9911% | 4,430 |
| Total risk-based capital ratio | 14.2749% | 4,337 |
| Memoranda: | ||
| Average total assets | $15,442,986,250 | 88 |
| Average earning assets | $13,802,113,250 | 90 |
| Average equity | $1,608,390,000 | 94 |
| Average total loans | $8,670,615,000 | 99 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0764% | 5,765 |
| Cost of funding earning assets | 0.2433% | 5,020 |
| Net interest margin | 2.8331% | 5,548 |
| Noninterest income to average assets | 2.3358% | 295 |
| Noninterest expense to average assets | 4.3015% | 494 |
| Loan and lease loss provision to assets | -0.0643% | 6,047 |
| Net operating income to assets | 0.4272% | 5,049 |
| Return on assets (ROA) | 0.4274% | 5,152 |
| Pretax return on assets | 0.6300% | 4,893 |
| Return on Equity (ROE) | 4.0779% | 4,986 |
| Retained earnings to average equity (ytd only) | -5.8477% | 6,056 |
| Net charge-offs to loans | 0.2118% | 1,202 |
| Credit loss provision to net charge-offs | -54.1197% | 4,824 |
| Earnings coverage of net charge-offs (x) | 4.7628% | 2,996 |
| Efficiency ratio | 88.0822% | 903 |
| Assets per employee ($millions) | 2.6167% | 5,971 |
| Cash dividends to net income (ytd only)* | 243.4017% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 2,854 |
| Loan loss allowance to noncurrent loans | 108.8249% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.0281% | 2,450 |
| Noncurrent loans to loans | 1.2668% | 2,128 |
| Net loans and leases to total assets | 55.8888% | 4,350 |
| Net loans and leases to deposits | 65.0023% | 4,441 |
| Net loans and leases to core deposits | 66.0972% | 4,644 |
| Total domestic deposits to total assets | 85.9797% | 2,702 |
| Equity capital to assets | 10.2007% | 3,806 |
| Core capital (leverage) ratio | 8.0088% | 5,928 |
| Tier 1 risk-based capital ratio | 13.0145% | 4,513 |
| Total risk-based capital ratio | 14.2991% | 4,408 |
| Memoranda: | ||
| Average total assets | $15,393,967,670 | 91 |
| Average earning assets | $13,753,404,330 | 92 |
| Average equity | $1,613,346,330 | 94 |
| Average total loans | $8,629,402,330 | 101 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0328% | 5,862 |
| Cost of funding earning assets | 0.2537% | 4,981 |
| Net interest margin | 2.7791% | 5,688 |
| Noninterest income to average assets | 2.5210% | 270 |
| Noninterest expense to average assets | 4.3271% | 483 |
| Loan and lease loss provision to assets | -0.0525% | 6,166 |
| Net operating income to assets | 0.4851% | 4,745 |
| Return on assets (ROA) | 0.4853% | 4,870 |
| Pretax return on assets | 0.7291% | 4,506 |
| Return on Equity (ROE) | 4.5694% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.5530% | 3,296 |
| Net charge-offs to loans | 0.0974% | 1,748 |
| Credit loss provision to net charge-offs | -96.7433% | 4,481 |
| Earnings coverage of net charge-offs (x) | 12.4583% | 1,796 |
| Efficiency ratio | 86.1921% | 1,169 |
| Assets per employee ($millions) | 2.7019% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.3590% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 2,381 |
| Loan loss allowance to noncurrent loans | 98.8581% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.1357% | 2,368 |
| Noncurrent loans to loans | 1.5347% | 1,828 |
| Net loans and leases to total assets | 53.4796% | 4,500 |
| Net loans and leases to deposits | 62.7413% | 4,503 |
| Net loans and leases to core deposits | 64.1452% | 4,684 |
| Total domestic deposits to total assets | 85.2383% | 3,291 |
| Equity capital to assets | 10.4020% | 3,645 |
| Core capital (leverage) ratio | 8.6216% | 5,404 |
| Tier 1 risk-based capital ratio | 13.7933% | 4,152 |
| Total risk-based capital ratio | 15.0806% | 4,055 |
| Memoranda: | ||
| Average total assets | $15,384,663,000 | 91 |
| Average earning assets | $13,742,316,500 | 92 |
| Average equity | $1,633,926,000 | 94 |
| Average total loans | $8,576,951,000 | 99 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3168% | 5,678 |
| Cost of funding earning assets | 0.2982% | 4,814 |
| Net interest margin | 3.0186% | 5,407 |
| Noninterest income to average assets | 2.9874% | 192 |
| Noninterest expense to average assets | 4.5666% | 438 |
| Loan and lease loss provision to assets | -0.0468% | 6,022 |
| Net operating income to assets | 0.7360% | 3,707 |
| Return on assets (ROA) | 0.7376% | 3,799 |
| Pretax return on assets | 1.1476% | 2,880 |
| Return on Equity (ROE) | 6.7358% | 3,772 |
| Retained earnings to average equity (ytd only) | 3.6093% | 3,647 |
| Net charge-offs to loans | 0.1817% | 2,214 |
| Credit loss provision to net charge-offs | -44.8502% | 5,409 |
| Earnings coverage of net charge-offs (x) | 10.5255% | 2,603 |
| Efficiency ratio | 80.3489% | 1,875 |
| Assets per employee ($millions) | 2.5154% | 6,152 |
| Cash dividends to net income (ytd only)* | 46.4161% | 2,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6375% | 1,962 |
| Loan loss allowance to noncurrent loans | 111.3666% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.2140% | 2,349 |
| Noncurrent loans to loans | 1.4704% | 1,995 |
| Net loans and leases to total assets | 56.3353% | 4,288 |
| Net loans and leases to deposits | 66.2012% | 4,299 |
| Net loans and leases to core deposits | 67.8752% | 4,518 |
| Total domestic deposits to total assets | 85.0971% | 3,250 |
| Equity capital to assets | 10.8712% | 3,040 |
| Core capital (leverage) ratio | 9.1110% | 4,809 |
| Tier 1 risk-based capital ratio | 14.9411% | 3,522 |
| Total risk-based capital ratio | 16.2180% | 3,440 |
| Memoranda: | ||
| Average total assets | $14,642,938,800 | 89 |
| Average earning assets | $12,989,337,000 | 91 |
| Average equity | $1,603,514,200 | 94 |
| Average total loans | $8,411,111,600 | 99 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3319% | 5,707 |
| Cost of funding earning assets | 0.3049% | 4,842 |
| Net interest margin | 3.0270% | 5,446 |
| Noninterest income to average assets | 2.9579% | 193 |
| Noninterest expense to average assets | 4.4459% | 486 |
| Loan and lease loss provision to assets | -0.0240% | 6,117 |
| Net operating income to assets | 0.7831% | 3,497 |
| Return on assets (ROA) | 0.7850% | 3,597 |
| Pretax return on assets | 1.2229% | 2,686 |
| Return on Equity (ROE) | 7.1548% | 3,633 |
| Retained earnings to average equity (ytd only) | 6.3094% | 2,212 |
| Net charge-offs to loans | 0.1571% | 2,240 |
| Credit loss provision to net charge-offs | -26.5308% | 5,297 |
| Earnings coverage of net charge-offs (x) | 13.2493% | 2,246 |
| Efficiency ratio | 78.5325% | 2,107 |
| Assets per employee ($millions) | 2.5386% | 6,203 |
| Cash dividends to net income (ytd only)* | 11.8160% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 1,737 |
| Loan loss allowance to noncurrent loans | 105.4769% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.3533% | 2,282 |
| Noncurrent loans to loans | 1.6866% | 1,931 |
| Net loans and leases to total assets | 55.6715% | 4,376 |
| Net loans and leases to deposits | 66.4049% | 4,290 |
| Net loans and leases to core deposits | 68.1209% | 4,502 |
| Total domestic deposits to total assets | 83.8364% | 3,822 |
| Equity capital to assets | 10.9788% | 2,979 |
| Core capital (leverage) ratio | 9.4029% | 4,512 |
| Tier 1 risk-based capital ratio | 15.2493% | 3,440 |
| Total risk-based capital ratio | 16.5280% | 3,375 |
| Memoranda: | ||
| Average total assets | $14,567,622,750 | 89 |
| Average earning assets | $12,917,258,250 | 91 |
| Average equity | $1,598,240,750 | 93 |
| Average total loans | $8,374,136,250 | 99 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 5,704 |
| Cost of funding earning assets | 0.3104% | 4,872 |
| Net interest margin | 3.0445% | 5,408 |
| Noninterest income to average assets | 2.9995% | 188 |
| Noninterest expense to average assets | 4.3974% | 502 |
| Loan and lease loss provision to assets | 0.0071% | 4,095 |
| Net operating income to assets | 0.8250% | 3,207 |
| Return on assets (ROA) | 0.8255% | 3,300 |
| Pretax return on assets | 1.2903% | 2,289 |
| Return on Equity (ROE) | 7.5256% | 3,355 |
| Retained earnings to average equity (ytd only) | 6.2543% | 2,182 |
| Net charge-offs to loans | -0.0496% | 5,868 |
| Credit loss provision to net charge-offs | -24.6132% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9607% | 2,459 |
| Assets per employee ($millions) | 2.5021% | 6,299 |
| Cash dividends to net income (ytd only)* | 16.8932% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0868% | 1,203 |
| Loan loss allowance to noncurrent loans | 102.3321% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.5782% | 2,069 |
| Noncurrent loans to loans | 2.0393% | 1,651 |
| Net loans and leases to total assets | 56.2602% | 4,249 |
| Net loans and leases to deposits | 66.2830% | 4,245 |
| Net loans and leases to core deposits | 68.1549% | 4,448 |
| Total domestic deposits to total assets | 84.8787% | 3,573 |
| Equity capital to assets | 10.9730% | 2,903 |
| Core capital (leverage) ratio | 9.2410% | 4,679 |
| Tier 1 risk-based capital ratio | 15.0242% | 3,622 |
| Total risk-based capital ratio | 16.3067% | 3,551 |
| Memoranda: | ||
| Average total assets | $14,438,613,000 | 89 |
| Average earning assets | $12,778,911,670 | 92 |
| Average equity | $1,583,705,330 | 94 |
| Average total loans | $8,340,091,000 | 97 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3732% | 5,707 |
| Cost of funding earning assets | 0.3147% | 4,920 |
| Net interest margin | 3.0585% | 5,366 |
| Noninterest income to average assets | 2.8342% | 200 |
| Noninterest expense to average assets | 4.3129% | 545 |
| Loan and lease loss provision to assets | -0.0117% | 6,403 |
| Net operating income to assets | 0.7901% | 3,199 |
| Return on assets (ROA) | 0.7872% | 3,293 |
| Pretax return on assets | 1.2307% | 2,345 |
| Return on Equity (ROE) | 7.1782% | 3,368 |
| Retained earnings to average equity (ytd only) | 7.1611% | 1,953 |
| Net charge-offs to loans | 0.1943% | 1,566 |
| Credit loss provision to net charge-offs | -10.4374% | 4,671 |
| Earnings coverage of net charge-offs (x) | 10.8735% | 1,824 |
| Efficiency ratio | 77.6235% | 2,531 |
| Assets per employee ($millions) | 2.4914% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.2380% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0419% | 1,438 |
| Loan loss allowance to noncurrent loans | 84.5669% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.8196% | 1,920 |
| Noncurrent loans to loans | 2.4145% | 1,450 |
| Net loans and leases to total assets | 55.9172% | 4,152 |
| Net loans and leases to deposits | 65.8851% | 4,112 |
| Net loans and leases to core deposits | 67.8173% | 4,334 |
| Total domestic deposits to total assets | 84.8708% | 3,931 |
| Equity capital to assets | 10.9139% | 2,803 |
| Core capital (leverage) ratio | 9.2225% | 4,690 |
| Tier 1 risk-based capital ratio | 14.9387% | 3,746 |
| Total risk-based capital ratio | 16.2207% | 3,681 |
| Memoranda: | ||
| Average total assets | $14,304,322,500 | 88 |
| Average earning assets | $12,638,280,500 | 91 |
| Average equity | $1,568,647,500 | 91 |
| Average total loans | $8,284,815,000 | 96 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 5,463 |
| Cost of funding earning assets | 0.3444% | 5,199 |
| Net interest margin | 3.2334% | 4,881 |
| Noninterest income to average assets | 3.3283% | 196 |
| Noninterest expense to average assets | 4.6497% | 462 |
| Loan and lease loss provision to assets | 0.0972% | 3,182 |
| Net operating income to assets | 0.9091% | 2,731 |
| Return on assets (ROA) | 0.9111% | 2,811 |
| Pretax return on assets | 1.4351% | 1,669 |
| Return on Equity (ROE) | 8.4261% | 2,812 |
| Retained earnings to average equity (ytd only) | 7.0889% | 1,406 |
| Net charge-offs to loans | 0.3486% | 1,940 |
| Credit loss provision to net charge-offs | 47.9592% | 3,863 |
| Earnings coverage of net charge-offs (x) | 7.5462% | 2,822 |
| Efficiency ratio | 74.9619% | 2,958 |
| Assets per employee ($millions) | 2.4178% | 6,453 |
| Cash dividends to net income (ytd only)* | 15.8694% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0995% | 1,332 |
| Loan loss allowance to noncurrent loans | 81.1213% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 2.0030% | 1,795 |
| Noncurrent loans to loans | 2.5881% | 1,447 |
| Net loans and leases to total assets | 57.5461% | 4,112 |
| Net loans and leases to deposits | 68.0389% | 4,052 |
| Net loans and leases to core deposits | 69.7795% | 4,306 |
| Total domestic deposits to total assets | 84.5782% | 3,935 |
| Equity capital to assets | 11.0202% | 2,595 |
| Core capital (leverage) ratio | 9.2987% | 4,551 |
| Tier 1 risk-based capital ratio | 14.6053% | 3,898 |
| Total risk-based capital ratio | 15.8880% | 3,825 |
| Memoranda: | ||
| Average total assets | $13,925,876,600 | 85 |
| Average earning assets | $12,278,235,800 | 89 |
| Average equity | $1,505,723,000 | 94 |
| Average total loans | $8,095,270,200 | 92 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 5,690 |
| Cost of funding earning assets | 0.3599% | 5,198 |
| Net interest margin | 3.1388% | 5,204 |
| Noninterest income to average assets | 3.4626% | 200 |
| Noninterest expense to average assets | 4.5469% | 498 |
| Loan and lease loss provision to assets | 0.0844% | 3,368 |
| Net operating income to assets | 1.0096% | 2,342 |
| Return on assets (ROA) | 1.0123% | 2,418 |
| Pretax return on assets | 1.6021% | 1,333 |
| Return on Equity (ROE) | 9.4080% | 2,440 |
| Retained earnings to average equity (ytd only) | 8.9499% | 1,072 |
| Net charge-offs to loans | 0.3750% | 1,700 |
| Credit loss provision to net charge-offs | 38.8251% | 3,729 |
| Earnings coverage of net charge-offs (x) | 7.7397% | 2,738 |
| Efficiency ratio | 72.7981% | 3,261 |
| Assets per employee ($millions) | 2.4009% | 6,546 |
| Cash dividends to net income (ytd only)* | 4.8694% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1604% | 1,399 |
| Loan loss allowance to noncurrent loans | 73.6458% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 2.2411% | 1,769 |
| Noncurrent loans to loans | 2.9335% | 1,391 |
| Net loans and leases to total assets | 56.6317% | 4,227 |
| Net loans and leases to deposits | 66.9962% | 4,179 |
| Net loans and leases to core deposits | 68.6034% | 4,475 |
| Total domestic deposits to total assets | 84.5298% | 3,960 |
| Equity capital to assets | 10.9498% | 2,808 |
| Core capital (leverage) ratio | 9.2488% | 4,759 |
| Tier 1 risk-based capital ratio | 14.6482% | 3,986 |
| Total risk-based capital ratio | 15.9319% | 3,920 |
| Memoranda: | ||
| Average total assets | $13,887,074,500 | 85 |
| Average earning assets | $12,240,978,250 | 89 |
| Average equity | $1,494,212,000 | 95 |
| Average total loans | $8,049,865,500 | 93 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5242% | 5,645 |
| Cost of funding earning assets | 0.3659% | 5,258 |
| Net interest margin | 3.1583% | 5,093 |
| Noninterest income to average assets | 3.1252% | 240 |
| Noninterest expense to average assets | 4.2801% | 637 |
| Loan and lease loss provision to assets | 0.0382% | 4,183 |
| Net operating income to assets | 1.0040% | 2,315 |
| Return on assets (ROA) | 1.0049% | 2,447 |
| Pretax return on assets | 1.5873% | 1,402 |
| Return on Equity (ROE) | 9.3950% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.3860% | 999 |
| Net charge-offs to loans | 0.5087% | 1,291 |
| Credit loss provision to net charge-offs | 12.9640% | 3,857 |
| Earnings coverage of net charge-offs (x) | 5.5052% | 2,884 |
| Efficiency ratio | 72.3297% | 3,414 |
| Assets per employee ($millions) | 2.4613% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0962% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1105% | 1,611 |
| Loan loss allowance to noncurrent loans | 57.9941% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 2.6450% | 1,577 |
| Noncurrent loans to loans | 3.6392% | 1,128 |
| Net loans and leases to total assets | 56.0673% | 4,275 |
| Net loans and leases to deposits | 66.8144% | 4,171 |
| Net loans and leases to core deposits | 68.5233% | 4,450 |
| Total domestic deposits to total assets | 83.9150% | 4,357 |
| Equity capital to assets | 10.6136% | 3,158 |
| Core capital (leverage) ratio | 8.9749% | 5,034 |
| Tier 1 risk-based capital ratio | 14.0011% | 4,427 |
| Total risk-based capital ratio | 15.2833% | 4,359 |
| Memoranda: | ||
| Average total assets | $13,861,544,000 | 85 |
| Average earning assets | $12,197,751,000 | 87 |
| Average equity | $1,482,619,330 | 96 |
| Average total loans | $8,038,994,330 | 93 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5111% | 5,673 |
| Cost of funding earning assets | 0.3693% | 5,376 |
| Net interest margin | 3.1418% | 5,122 |
| Noninterest income to average assets | 3.4726% | 208 |
| Noninterest expense to average assets | 4.1812% | 729 |
| Loan and lease loss provision to assets | -0.0410% | 6,780 |
| Net operating income to assets | 1.3173% | 1,236 |
| Return on assets (ROA) | 1.3188% | 1,336 |
| Pretax return on assets | 2.0955% | 497 |
| Return on Equity (ROE) | 12.2817% | 1,351 |
| Retained earnings to average equity (ytd only) | 12.2636% | 663 |
| Net charge-offs to loans | 0.2489% | 1,965 |
| Credit loss provision to net charge-offs | -28.1933% | 5,007 |
| Earnings coverage of net charge-offs (x) | 14.1289% | 1,478 |
| Efficiency ratio | 66.9047% | 4,505 |
| Assets per employee ($millions) | 2.5996% | 6,495 |
| Cash dividends to net income (ytd only)* | 0.1480% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2720% | 1,455 |
| Loan loss allowance to noncurrent loans | 62.9498% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 2.6669% | 1,702 |
| Noncurrent loans to loans | 3.6093% | 1,317 |
| Net loans and leases to total assets | 54.8938% | 4,261 |
| Net loans and leases to deposits | 65.7103% | 4,093 |
| Net loans and leases to core deposits | 67.4621% | 4,362 |
| Total domestic deposits to total assets | 83.5390% | 4,653 |
| Equity capital to assets | 10.4899% | 3,553 |
| Core capital (leverage) ratio | 9.3441% | 4,336 |
| Tier 1 risk-based capital ratio | 14.0848% | 4,441 |
| Total risk-based capital ratio | 15.3697% | 4,370 |
| Memoranda: | ||
| Average total assets | $13,733,262,500 | 86 |
| Average earning assets | $12,068,184,500 | 88 |
| Average equity | $1,474,709,500 | 98 |
| Average total loans | $8,015,340,500 | 96 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 5,971 |
| Cost of funding earning assets | 0.4129% | 5,829 |
| Net interest margin | 3.3258% | 5,158 |
| Noninterest income to average assets | 3.3112% | 222 |
| Noninterest expense to average assets | 4.7586% | 452 |
| Loan and lease loss provision to assets | 0.3063% | 2,234 |
| Net operating income to assets | 0.7535% | 3,495 |
| Return on assets (ROA) | 0.7547% | 3,732 |
| Pretax return on assets | 1.1804% | 2,866 |
| Return on Equity (ROE) | 7.2255% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.2158% | 1,462 |
| Net charge-offs to loans | 0.6526% | 1,801 |
| Credit loss provision to net charge-offs | 80.3729% | 3,821 |
| Earnings coverage of net charge-offs (x) | 3.8965% | 3,555 |
| Efficiency ratio | 75.9836% | 2,748 |
| Assets per employee ($millions) | 2.6243% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.1339% | 4,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3507% | 1,307 |
| Loan loss allowance to noncurrent loans | 68.6425% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.7743% | 1,734 |
| Noncurrent loans to loans | 3.4246% | 1,468 |
| Net loans and leases to total assets | 59.3085% | 3,722 |
| Net loans and leases to deposits | 71.5817% | 3,485 |
| Net loans and leases to core deposits | 73.5714% | 3,839 |
| Total domestic deposits to total assets | 82.8542% | 4,779 |
| Equity capital to assets | 11.0066% | 2,944 |
| Core capital (leverage) ratio | 8.9913% | 4,910 |
| Tier 1 risk-based capital ratio | 13.7830% | 4,547 |
| Total risk-based capital ratio | 15.0693% | 4,472 |
| Memoranda: | ||
| Average total assets | $13,257,939,000 | 88 |
| Average earning assets | $11,689,378,800 | 92 |
| Average equity | $1,384,869,800 | 100 |
| Average total loans | $7,742,955,400 | 96 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6942% | 6,231 |
| Cost of funding earning assets | 0.4267% | 5,953 |
| Net interest margin | 3.2675% | 5,490 |
| Noninterest income to average assets | 3.2128% | 227 |
| Noninterest expense to average assets | 4.7566% | 439 |
| Loan and lease loss provision to assets | 0.3918% | 1,636 |
| Net operating income to assets | 0.6174% | 4,311 |
| Return on assets (ROA) | 0.6187% | 4,558 |
| Pretax return on assets | 0.9533% | 3,901 |
| Return on Equity (ROE) | 6.0029% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.9898% | 2,701 |
| Net charge-offs to loans | 0.7583% | 1,454 |
| Credit loss provision to net charge-offs | 89.3642% | 3,316 |
| Earnings coverage of net charge-offs (x) | 3.0638% | 3,804 |
| Efficiency ratio | 77.6914% | 2,433 |
| Assets per employee ($millions) | 2.7522% | 6,426 |
| Cash dividends to net income (ytd only)* | 0.2176% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4279% | 1,305 |
| Loan loss allowance to noncurrent loans | 57.7674% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 3.0383% | 1,714 |
| Noncurrent loans to loans | 4.2028% | 1,180 |
| Net loans and leases to total assets | 56.3315% | 4,394 |
| Net loans and leases to deposits | 67.2781% | 4,293 |
| Net loans and leases to core deposits | 68.9038% | 4,623 |
| Total domestic deposits to total assets | 83.7293% | 4,345 |
| Equity capital to assets | 10.2348% | 4,155 |
| Core capital (leverage) ratio | 8.5939% | 5,631 |
| Tier 1 risk-based capital ratio | 13.6078% | 4,806 |
| Total risk-based capital ratio | 14.8945% | 4,744 |
| Memoranda: | ||
| Average total assets | $13,272,427,000 | 88 |
| Average earning assets | $11,727,629,500 | 90 |
| Average equity | $1,367,870,000 | 104 |
| Average total loans | $7,674,400,750 | 97 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6994% | 6,338 |
| Cost of funding earning assets | 0.4318% | 6,086 |
| Net interest margin | 3.2676% | 5,541 |
| Noninterest income to average assets | 3.1998% | 224 |
| Noninterest expense to average assets | 5.0106% | 378 |
| Loan and lease loss provision to assets | 0.5014% | 1,268 |
| Net operating income to assets | 0.3856% | 5,265 |
| Return on assets (ROA) | 0.3910% | 5,485 |
| Pretax return on assets | 0.5789% | 5,211 |
| Return on Equity (ROE) | 3.7846% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.7747% | 4,100 |
| Net charge-offs to loans | 0.9949% | 1,115 |
| Credit loss provision to net charge-offs | 87.1114% | 3,130 |
| Earnings coverage of net charge-offs (x) | 1.8636% | 4,043 |
| Efficiency ratio | 82.0723% | 1,868 |
| Assets per employee ($millions) | 2.6788% | 6,559 |
| Cash dividends to net income (ytd only)* | 0.2618% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4552% | 1,346 |
| Loan loss allowance to noncurrent loans | 60.2974% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 3.0584% | 1,792 |
| Noncurrent loans to loans | 4.0719% | 1,350 |
| Net loans and leases to total assets | 56.4001% | 4,405 |
| Net loans and leases to deposits | 66.5485% | 4,436 |
| Net loans and leases to core deposits | 68.2454% | 4,755 |
| Total domestic deposits to total assets | 84.7504% | 3,973 |
| Equity capital to assets | 10.0931% | 4,194 |
| Core capital (leverage) ratio | 8.7972% | 5,216 |
| Tier 1 risk-based capital ratio | 13.2364% | 5,011 |
| Total risk-based capital ratio | 14.5018% | 4,971 |
| Memoranda: | ||
| Average total assets | $13,089,306,000 | 89 |
| Average earning assets | $11,550,325,330 | 92 |
| Average equity | $1,352,284,000 | 105 |
| Average total loans | $7,572,615,670 | 97 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 6,379 |
| Cost of funding earning assets | 0.4500% | 6,142 |
| Net interest margin | 3.2854% | 5,512 |
| Noninterest income to average assets | 2.9469% | 249 |
| Noninterest expense to average assets | 5.1655% | 332 |
| Loan and lease loss provision to assets | 0.4640% | 1,327 |
| Net operating income to assets | 0.1646% | 6,081 |
| Return on assets (ROA) | 0.1646% | 6,216 |
| Pretax return on assets | 0.2115% | 6,176 |
| Return on Equity (ROE) | 1.5735% | 6,201 |
| Retained earnings to average equity (ytd only) | 1.5535% | 5,462 |
| Net charge-offs to loans | 0.5879% | 1,623 |
| Credit loss provision to net charge-offs | 136.3970% | 1,799 |
| Earnings coverage of net charge-offs (x) | 1.9861% | 3,347 |
| Efficiency ratio | 88.1179% | 1,275 |
| Assets per employee ($millions) | 2.6185% | 6,723 |
| Cash dividends to net income (ytd only)* | 1.2706% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7233% | 1,086 |
| Loan loss allowance to noncurrent loans | 69.1435% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 2.7399% | 2,151 |
| Noncurrent loans to loans | 3.9386% | 1,563 |
| Net loans and leases to total assets | 55.1409% | 4,528 |
| Net loans and leases to deposits | 65.7109% | 4,417 |
| Net loans and leases to core deposits | 67.6418% | 4,721 |
| Total domestic deposits to total assets | 83.9145% | 4,533 |
| Equity capital to assets | 10.3276% | 3,702 |
| Core capital (leverage) ratio | 8.9609% | 4,899 |
| Tier 1 risk-based capital ratio | 13.9052% | 4,525 |
| Total risk-based capital ratio | 15.1966% | 4,475 |
| Memoranda: | ||
| Average total assets | $12,817,874,500 | 91 |
| Average earning assets | $11,292,248,500 | 93 |
| Average equity | $1,340,470,500 | 105 |
| Average total loans | $7,417,881,000 | 97 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2681% | 5,859 |
| Cost of funding earning assets | 0.5890% | 6,139 |
| Net interest margin | 3.6792% | 4,396 |
| Noninterest income to average assets | 3.1654% | 201 |
| Noninterest expense to average assets | 4.6633% | 506 |
| Loan and lease loss provision to assets | 0.6467% | 1,576 |
| Net operating income to assets | 0.6741% | 3,609 |
| Return on assets (ROA) | 0.6934% | 3,707 |
| Pretax return on assets | 1.0686% | 2,962 |
| Return on Equity (ROE) | 6.4926% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.4821% | 1,746 |
| Net charge-offs to loans | 0.9682% | 1,780 |
| Credit loss provision to net charge-offs | 109.9844% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.8670% | 3,778 |
| Efficiency ratio | 73.1300% | 3,372 |
| Assets per employee ($millions) | 2.4876% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.1609% | 4,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6788% | 1,098 |
| Loan loss allowance to noncurrent loans | 65.5283% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 3.0204% | 1,988 |
| Noncurrent loans to loans | 4.0880% | 1,523 |
| Net loans and leases to total assets | 57.5296% | 4,457 |
| Net loans and leases to deposits | 68.9920% | 4,275 |
| Net loans and leases to core deposits | 71.1422% | 4,631 |
| Total domestic deposits to total assets | 83.3860% | 4,595 |
| Equity capital to assets | 10.5941% | 3,423 |
| Core capital (leverage) ratio | 8.8259% | 5,064 |
| Tier 1 risk-based capital ratio | 13.5929% | 4,625 |
| Total risk-based capital ratio | 14.8837% | 4,562 |
| Memoranda: | ||
| Average total assets | $12,010,561,000 | 92 |
| Average earning assets | $10,392,771,000 | 92 |
| Average equity | $1,282,715,000 | 106 |
| Average total loans | $7,294,235,400 | 93 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 5,727 |
| Cost of funding earning assets | 0.6168% | 6,203 |
| Net interest margin | 3.7469% | 4,122 |
| Noninterest income to average assets | 3.1222% | 204 |
| Noninterest expense to average assets | 4.6581% | 497 |
| Loan and lease loss provision to assets | 0.6517% | 1,507 |
| Net operating income to assets | 0.6754% | 3,741 |
| Return on assets (ROA) | 0.7010% | 3,784 |
| Pretax return on assets | 1.0823% | 3,084 |
| Return on Equity (ROE) | 6.5501% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.5361% | 2,223 |
| Net charge-offs to loans | 1.0125% | 1,589 |
| Credit loss provision to net charge-offs | 105.2427% | 3,161 |
| Earnings coverage of net charge-offs (x) | 2.7369% | 3,759 |
| Efficiency ratio | 72.9936% | 3,364 |
| Assets per employee ($millions) | 2.4893% | 6,903 |
| Cash dividends to net income (ytd only)* | 0.2145% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7135% | 1,117 |
| Loan loss allowance to noncurrent loans | 62.6228% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 3.1697% | 2,020 |
| Noncurrent loans to loans | 4.3330% | 1,509 |
| Net loans and leases to total assets | 56.5864% | 4,746 |
| Net loans and leases to deposits | 67.6704% | 4,667 |
| Net loans and leases to core deposits | 69.7690% | 4,975 |
| Total domestic deposits to total assets | 83.6206% | 4,417 |
| Equity capital to assets | 10.4398% | 3,783 |
| Core capital (leverage) ratio | 8.9321% | 5,046 |
| Tier 1 risk-based capital ratio | 13.6190% | 4,637 |
| Total risk-based capital ratio | 14.8460% | 4,628 |
| Memoranda: | ||
| Average total assets | $11,881,309,250 | 93 |
| Average earning assets | $10,244,370,500 | 93 |
| Average equity | $1,271,597,000 | 105 |
| Average total loans | $7,266,433,750 | 93 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4750% | 5,435 |
| Cost of funding earning assets | 0.6500% | 6,231 |
| Net interest margin | 3.8250% | 3,668 |
| Noninterest income to average assets | 3.1572% | 218 |
| Noninterest expense to average assets | 4.6439% | 511 |
| Loan and lease loss provision to assets | 0.7028% | 1,345 |
| Net operating income to assets | 0.7182% | 3,452 |
| Return on assets (ROA) | 0.7196% | 3,560 |
| Pretax return on assets | 1.1047% | 2,832 |
| Return on Equity (ROE) | 6.6656% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.6550% | 2,048 |
| Net charge-offs to loans | 1.0393% | 1,516 |
| Credit loss provision to net charge-offs | 108.6745% | 2,820 |
| Earnings coverage of net charge-offs (x) | 2.7918% | 3,451 |
| Efficiency ratio | 71.6710% | 3,805 |
| Assets per employee ($millions) | 2.3605% | 7,060 |
| Cash dividends to net income (ytd only)* | 0.1595% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7436% | 1,132 |
| Loan loss allowance to noncurrent loans | 60.6054% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 3.4977% | 1,885 |
| Noncurrent loans to loans | 4.5270% | 1,456 |
| Net loans and leases to total assets | 58.5899% | 4,529 |
| Net loans and leases to deposits | 70.6715% | 4,342 |
| Net loans and leases to core deposits | 72.9161% | 4,721 |
| Total domestic deposits to total assets | 82.9045% | 4,793 |
| Equity capital to assets | 10.7303% | 3,251 |
| Core capital (leverage) ratio | 8.9792% | 4,755 |
| Tier 1 risk-based capital ratio | 13.4733% | 4,549 |
| Total risk-based capital ratio | 14.7659% | 4,497 |
| Memoranda: | ||
| Average total assets | $11,672,193,000 | 95 |
| Average earning assets | $10,046,353,330 | 97 |
| Average equity | $1,260,171,000 | 107 |
| Average total loans | $7,263,372,670 | 95 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 5,269 |
| Cost of funding earning assets | 0.6861% | 6,217 |
| Net interest margin | 3.8336% | 3,451 |
| Noninterest income to average assets | 3.3354% | 192 |
| Noninterest expense to average assets | 4.7289% | 464 |
| Loan and lease loss provision to assets | 0.6808% | 1,248 |
| Net operating income to assets | 0.7856% | 3,101 |
| Return on assets (ROA) | 0.7862% | 3,166 |
| Pretax return on assets | 1.2163% | 2,319 |
| Return on Equity (ROE) | 7.2592% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.2378% | 2,049 |
| Net charge-offs to loans | 0.6825% | 1,849 |
| Credit loss provision to net charge-offs | 157.6815% | 1,826 |
| Earnings coverage of net charge-offs (x) | 4.3923% | 2,489 |
| Efficiency ratio | 71.0617% | 4,044 |
| Assets per employee ($millions) | 2.2702% | 7,205 |
| Cash dividends to net income (ytd only)* | 0.2958% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8039% | 1,106 |
| Loan loss allowance to noncurrent loans | 65.4712% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 3.5069% | 1,945 |
| Noncurrent loans to loans | 4.2827% | 1,663 |
| Net loans and leases to total assets | 60.6276% | 4,148 |
| Net loans and leases to deposits | 73.5481% | 3,836 |
| Net loans and leases to core deposits | 76.0323% | 4,301 |
| Total domestic deposits to total assets | 82.4326% | 5,132 |
| Equity capital to assets | 10.9294% | 2,755 |
| Core capital (leverage) ratio | 9.0351% | 4,560 |
| Tier 1 risk-based capital ratio | 13.2861% | 4,588 |
| Total risk-based capital ratio | 14.5797% | 4,537 |
| Memoranda: | ||
| Average total assets | $11,524,473,500 | 97 |
| Average earning assets | $9,889,713,000 | 99 |
| Average equity | $1,248,175,500 | 109 |
| Average total loans | $7,290,248,000 | 93 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5595% | 6,220 |
| Cost of funding earning assets | 0.9064% | 6,151 |
| Net interest margin | 3.6531% | 4,561 |
| Noninterest income to average assets | 3.1233% | 222 |
| Noninterest expense to average assets | 4.5639% | 609 |
| Loan and lease loss provision to assets | 1.1338% | 1,409 |
| Net operating income to assets | 0.3754% | 4,658 |
| Return on assets (ROA) | 0.3947% | 4,709 |
| Pretax return on assets | 0.5861% | 4,369 |
| Return on Equity (ROE) | 3.8187% | 4,606 |
| Retained earnings to average equity (ytd only) | 3.8073% | 3,196 |
| Net charge-offs to loans | 1.1338% | 1,968 |
| Credit loss provision to net charge-offs | 147.8889% | 2,472 |
| Earnings coverage of net charge-offs (x) | 2.2060% | 4,076 |
| Efficiency ratio | 72.6677% | 3,660 |
| Assets per employee ($millions) | 2.2657% | 7,243 |
| Cash dividends to net income (ytd only)* | 0.2976% | 3,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6334% | 1,249 |
| Loan loss allowance to noncurrent loans | 58.6194% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 3.6286% | 1,895 |
| Noncurrent loans to loans | 4.4924% | 1,575 |
| Net loans and leases to total assets | 62.4531% | 4,184 |
| Net loans and leases to deposits | 75.6491% | 3,895 |
| Net loans and leases to core deposits | 78.3450% | 4,416 |
| Total domestic deposits to total assets | 82.5563% | 4,994 |
| Equity capital to assets | 10.7317% | 2,924 |
| Core capital (leverage) ratio | 8.9062% | 4,686 |
| Tier 1 risk-based capital ratio | 12.7177% | 4,846 |
| Total risk-based capital ratio | 14.0090% | 4,781 |
| Memoranda: | ||
| Average total assets | $11,408,498,800 | 93 |
| Average earning assets | $9,780,796,800 | 97 |
| Average equity | $1,179,202,000 | 107 |
| Average total loans | $7,714,629,600 | 92 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 6,012 |
| Cost of funding earning assets | 0.9526% | 6,164 |
| Net interest margin | 3.7491% | 4,188 |
| Noninterest income to average assets | 3.0971% | 220 |
| Noninterest expense to average assets | 4.6851% | 498 |
| Loan and lease loss provision to assets | 1.0849% | 1,342 |
| Net operating income to assets | 0.3608% | 4,927 |
| Return on assets (ROA) | 0.3862% | 4,996 |
| Pretax return on assets | 0.5793% | 4,664 |
| Return on Equity (ROE) | 3.7730% | 4,884 |
| Retained earnings to average equity (ytd only) | 3.7577% | 3,815 |
| Net charge-offs to loans | 1.1470% | 1,777 |
| Credit loss provision to net charge-offs | 138.0746% | 2,890 |
| Earnings coverage of net charge-offs (x) | 2.0700% | 4,170 |
| Efficiency ratio | 73.9336% | 3,335 |
| Assets per employee ($millions) | 2.2879% | 7,317 |
| Cash dividends to net income (ytd only)* | 0.4064% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3412% | 1,564 |
| Loan loss allowance to noncurrent loans | 56.7731% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 3.3032% | 2,156 |
| Noncurrent loans to loans | 4.1237% | 1,789 |
| Net loans and leases to total assets | 64.1903% | 4,086 |
| Net loans and leases to deposits | 78.5722% | 3,718 |
| Net loans and leases to core deposits | 81.6032% | 4,300 |
| Total domestic deposits to total assets | 81.6960% | 5,122 |
| Equity capital to assets | 10.6294% | 3,374 |
| Core capital (leverage) ratio | 8.7669% | 5,074 |
| Tier 1 risk-based capital ratio | 12.5811% | 4,915 |
| Total risk-based capital ratio | 13.8699% | 4,857 |
| Memoranda: | ||
| Average total assets | $11,381,496,250 | 94 |
| Average earning assets | $9,758,501,000 | 97 |
| Average equity | $1,165,022,750 | 109 |
| Average total loans | $7,796,549,500 | 92 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 6,035 |
| Cost of funding earning assets | 0.9897% | 6,197 |
| Net interest margin | 3.7424% | 4,172 |
| Noninterest income to average assets | 3.0327% | 219 |
| Noninterest expense to average assets | 4.7205% | 467 |
| Loan and lease loss provision to assets | 1.1230% | 1,278 |
| Net operating income to assets | 0.2652% | 5,313 |
| Return on assets (ROA) | 0.3019% | 5,334 |
| Pretax return on assets | 0.4494% | 5,063 |
| Return on Equity (ROE) | 2.9887% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.9770% | 4,227 |
| Net charge-offs to loans | 1.2857% | 1,483 |
| Credit loss provision to net charge-offs | 125.7794% | 3,206 |
| Earnings coverage of net charge-offs (x) | 1.7000% | 4,234 |
| Efficiency ratio | 75.3619% | 3,193 |
| Assets per employee ($millions) | 2.2433% | 7,401 |
| Cash dividends to net income (ytd only)* | 0.3922% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1626% | 1,839 |
| Loan loss allowance to noncurrent loans | 52.7129% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 3.2890% | 2,139 |
| Noncurrent loans to loans | 4.1027% | 1,832 |
| Net loans and leases to total assets | 66.1840% | 3,790 |
| Net loans and leases to deposits | 80.9207% | 3,445 |
| Net loans and leases to core deposits | 84.8142% | 4,022 |
| Total domestic deposits to total assets | 81.7887% | 5,075 |
| Equity capital to assets | 10.1828% | 3,795 |
| Core capital (leverage) ratio | 8.1829% | 5,972 |
| Tier 1 risk-based capital ratio | 11.6050% | 5,671 |
| Total risk-based capital ratio | 12.8919% | 5,598 |
| Memoranda: | ||
| Average total assets | $11,315,723,670 | 93 |
| Average earning assets | $9,693,037,330 | 97 |
| Average equity | $1,143,109,330 | 108 |
| Average total loans | $7,858,514,670 | 89 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6642% | 6,361 |
| Cost of funding earning assets | 1.0230% | 6,266 |
| Net interest margin | 3.6412% | 4,533 |
| Noninterest income to average assets | 2.7051% | 233 |
| Noninterest expense to average assets | 4.6008% | 514 |
| Loan and lease loss provision to assets | 0.9311% | 1,358 |
| Net operating income to assets | 0.1971% | 5,699 |
| Return on assets (ROA) | 0.2718% | 5,538 |
| Pretax return on assets | 0.3939% | 5,313 |
| Return on Equity (ROE) | 2.7017% | 5,476 |
| Retained earnings to average equity (ytd only) | 2.6781% | 4,539 |
| Net charge-offs to loans | 0.9561% | 1,700 |
| Credit loss provision to net charge-offs | 138.4332% | 2,557 |
| Earnings coverage of net charge-offs (x) | 1.8089% | 3,653 |
| Efficiency ratio | 78.7567% | 2,767 |
| Assets per employee ($millions) | 2.2314% | 7,519 |
| Cash dividends to net income (ytd only)* | 0.8716% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0134% | 2,151 |
| Loan loss allowance to noncurrent loans | 49.9672% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 3.4146% | 2,068 |
| Noncurrent loans to loans | 4.0294% | 1,938 |
| Net loans and leases to total assets | 68.8646% | 3,187 |
| Net loans and leases to deposits | 84.2437% | 2,901 |
| Net loans and leases to core deposits | 88.5798% | 3,553 |
| Total domestic deposits to total assets | 81.7446% | 5,177 |
| Equity capital to assets | 10.0903% | 3,757 |
| Core capital (leverage) ratio | 8.0938% | 6,088 |
| Tier 1 risk-based capital ratio | 11.1021% | 6,057 |
| Total risk-based capital ratio | 12.3864% | 5,989 |
| Memoranda: | ||
| Average total assets | $11,311,607,500 | 93 |
| Average earning assets | $9,668,773,000 | 97 |
| Average equity | $1,138,118,500 | 105 |
| Average total loans | $7,957,618,000 | 89 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 6,903 |
| Cost of funding earning assets | 1.2691% | 6,411 |
| Net interest margin | 3.5533% | 4,730 |
| Noninterest income to average assets | 3.2988% | 207 |
| Noninterest expense to average assets | 4.7120% | 643 |
| Loan and lease loss provision to assets | 0.9111% | 2,472 |
| Net operating income to assets | 0.4933% | 3,754 |
| Return on assets (ROA) | 0.4939% | 3,852 |
| Pretax return on assets | 0.7427% | 3,433 |
| Return on Equity (ROE) | 5.0445% | 3,649 |
| Retained earnings to average equity (ytd only) | 5.0317% | 1,804 |
| Net charge-offs to loans | 0.8987% | 2,591 |
| Credit loss provision to net charge-offs | 140.0747% | 3,480 |
| Earnings coverage of net charge-offs (x) | 2.5412% | 3,854 |
| Efficiency ratio | 73.5385% | 3,989 |
| Assets per employee ($millions) | 2.2611% | 7,516 |
| Cash dividends to net income (ytd only)* | 0.2535% | 4,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9150% | 2,224 |
| Loan loss allowance to noncurrent loans | 63.4130% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.6894% | 2,605 |
| Noncurrent loans to loans | 3.0200% | 2,554 |
| Net loans and leases to total assets | 69.0700% | 3,468 |
| Net loans and leases to deposits | 84.7995% | 3,121 |
| Net loans and leases to core deposits | 94.1891% | 4,655 |
| Total domestic deposits to total assets | 81.4510% | 5,175 |
| Equity capital to assets | 10.0327% | 3,712 |
| Core capital (leverage) ratio | 8.3271% | 5,564 |
| Tier 1 risk-based capital ratio | 11.1460% | 5,781 |
| Total risk-based capital ratio | 12.4299% | 5,698 |
| Memoranda: | ||
| Average total assets | $10,701,232,200 | 102 |
| Average earning assets | $9,233,793,400 | 101 |
| Average equity | $1,047,713,400 | 108 |
| Average total loans | $7,745,316,400 | 93 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9949% | 6,619 |
| Cost of funding earning assets | 1.3501% | 6,397 |
| Net interest margin | 3.6447% | 4,303 |
| Noninterest income to average assets | 3.2720% | 206 |
| Noninterest expense to average assets | 4.8319% | 550 |
| Loan and lease loss provision to assets | 0.8082% | 2,348 |
| Net operating income to assets | 0.5178% | 3,911 |
| Return on assets (ROA) | 0.5176% | 4,005 |
| Pretax return on assets | 0.7874% | 3,581 |
| Return on Equity (ROE) | 5.3225% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.3050% | 2,313 |
| Net charge-offs to loans | 0.6427% | 2,754 |
| Credit loss provision to net charge-offs | 172.4935% | 2,687 |
| Earnings coverage of net charge-offs (x) | 3.4056% | 3,546 |
| Efficiency ratio | 74.6681% | 3,751 |
| Assets per employee ($millions) | 2.1455% | 7,664 |
| Cash dividends to net income (ytd only)* | 0.3272% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9803% | 1,848 |
| Loan loss allowance to noncurrent loans | 68.3427% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 2.7224% | 2,551 |
| Noncurrent loans to loans | 2.8976% | 2,629 |
| Net loans and leases to total assets | 71.7241% | 3,101 |
| Net loans and leases to deposits | 89.6122% | 2,647 |
| Net loans and leases to core deposits | 98.6879% | 4,523 |
| Total domestic deposits to total assets | 80.0383% | 5,417 |
| Equity capital to assets | 10.7621% | 3,232 |
| Core capital (leverage) ratio | 8.5034% | 5,485 |
| Tier 1 risk-based capital ratio | 11.1114% | 5,843 |
| Total risk-based capital ratio | 12.3952% | 5,761 |
| Memoranda: | ||
| Average total assets | $10,546,784,500 | 109 |
| Average earning assets | $9,131,432,750 | 109 |
| Average equity | $1,025,739,500 | 114 |
| Average total loans | $7,688,972,250 | 98 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0622% | 6,573 |
| Cost of funding earning assets | 1.4646% | 6,278 |
| Net interest margin | 3.5976% | 4,371 |
| Noninterest income to average assets | 3.2623% | 194 |
| Noninterest expense to average assets | 4.8627% | 571 |
| Loan and lease loss provision to assets | 0.5627% | 2,769 |
| Net operating income to assets | 0.6229% | 3,570 |
| Return on assets (ROA) | 0.6227% | 3,685 |
| Pretax return on assets | 0.9590% | 3,148 |
| Return on Equity (ROE) | 6.6359% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.6224% | 1,733 |
| Net charge-offs to loans | 0.4588% | 2,994 |
| Credit loss provision to net charge-offs | 168.4368% | 2,731 |
| Earnings coverage of net charge-offs (x) | 4.5556% | 3,069 |
| Efficiency ratio | 75.6488% | 3,754 |
| Assets per employee ($millions) | 2.1831% | 7,694 |
| Cash dividends to net income (ytd only)* | 0.2035% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 2,074 |
| Loan loss allowance to noncurrent loans | 61.3579% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 2.4544% | 2,628 |
| Noncurrent loans to loans | 2.9188% | 2,465 |
| Net loans and leases to total assets | 69.8050% | 3,751 |
| Net loans and leases to deposits | 85.9814% | 3,555 |
| Net loans and leases to core deposits | 94.9905% | 5,007 |
| Total domestic deposits to total assets | 81.1861% | 5,006 |
| Equity capital to assets | 9.3867% | 4,766 |
| Core capital (leverage) ratio | 7.2995% | 7,245 |
| Tier 1 risk-based capital ratio | 9.6970% | 7,234 |
| Total risk-based capital ratio | 10.9786% | 7,147 |
| Memoranda: | ||
| Average total assets | $10,574,587,000 | 110 |
| Average earning assets | $9,177,199,670 | 111 |
| Average equity | $992,292,670 | 121 |
| Average total loans | $7,699,837,000 | 103 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9922% | 6,948 |
| Cost of funding earning assets | 1.5826% | 6,105 |
| Net interest margin | 3.4096% | 5,099 |
| Noninterest income to average assets | 3.0124% | 212 |
| Noninterest expense to average assets | 4.6908% | 597 |
| Loan and lease loss provision to assets | 0.5727% | 2,195 |
| Net operating income to assets | 0.4702% | 4,564 |
| Return on assets (ROA) | 0.4702% | 4,751 |
| Pretax return on assets | 0.7147% | 4,382 |
| Return on Equity (ROE) | 5.0118% | 4,472 |
| Retained earnings to average equity (ytd only) | 4.9845% | 3,137 |
| Net charge-offs to loans | 0.3724% | 2,599 |
| Credit loss provision to net charge-offs | 208.6286% | 2,145 |
| Earnings coverage of net charge-offs (x) | 4.6899% | 2,834 |
| Efficiency ratio | 77.9110% | 3,179 |
| Assets per employee ($millions) | 2.2238% | 7,682 |
| Cash dividends to net income (ytd only)* | 0.5435% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 2,117 |
| Loan loss allowance to noncurrent loans | 62.0398% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 2.3254% | 2,472 |
| Noncurrent loans to loans | 2.7530% | 2,378 |
| Net loans and leases to total assets | 70.8805% | 3,495 |
| Net loans and leases to deposits | 87.0908% | 3,450 |
| Net loans and leases to core deposits | 96.5295% | 4,904 |
| Total domestic deposits to total assets | 81.3869% | 4,796 |
| Equity capital to assets | 9.1898% | 5,099 |
| Core capital (leverage) ratio | 7.2796% | 7,397 |
| Tier 1 risk-based capital ratio | 9.3100% | 7,577 |
| Total risk-based capital ratio | 10.5904% | 7,523 |
| Memoranda: | ||
| Average total assets | $10,487,094,500 | 111 |
| Average earning assets | $9,121,935,500 | 114 |
| Average equity | $983,923,000 | 122 |
| Average total loans | $7,729,469,500 | 105 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9996% | 5,547 |
| Cost of funding earning assets | 1.9784% | 6,478 |
| Net interest margin | 4.0212% | 3,020 |
| Noninterest income to average assets | 2.9212% | 206 |
| Noninterest expense to average assets | 4.5535% | 842 |
| Loan and lease loss provision to assets | 0.6237% | 2,337 |
| Net operating income to assets | 0.7959% | 3,449 |
| Return on assets (ROA) | 0.8093% | 3,240 |
| Pretax return on assets | 1.2591% | 2,448 |
| Return on Equity (ROE) | 8.5153% | 2,831 |
| Retained earnings to average equity (ytd only) | 6.9101% | 1,188 |
| Net charge-offs to loans | 0.4134% | 2,746 |
| Credit loss provision to net charge-offs | 206.8133% | 2,345 |
| Earnings coverage of net charge-offs (x) | 6.1738% | 3,424 |
| Efficiency ratio | 70.3404% | 4,280 |
| Assets per employee ($millions) | 2.1198% | 7,802 |
| Cash dividends to net income (ytd only)* | 18.8513% | 4,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 2,160 |
| Loan loss allowance to noncurrent loans | 76.8654% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.8719% | 2,630 |
| Noncurrent loans to loans | 2.1085% | 2,622 |
| Net loans and leases to total assets | 74.1615% | 3,069 |
| Net loans and leases to deposits | 91.9349% | 3,145 |
| Net loans and leases to core deposits | 102.5918% | 4,538 |
| Total domestic deposits to total assets | 80.6674% | 4,785 |
| Equity capital to assets | 9.5851% | 4,566 |
| Core capital (leverage) ratio | 7.4943% | 7,210 |
| Tier 1 risk-based capital ratio | 9.2786% | 7,545 |
| Total risk-based capital ratio | 10.5585% | 7,434 |
| Memoranda: | ||
| Average total assets | $9,919,209,600 | 113 |
| Average earning assets | $8,618,897,400 | 112 |
| Average equity | $942,783,600 | 119 |
| Average total loans | $7,235,625,600 | 106 |