Home > Banco Popular de Puerto Rico > Performance and Condition Ratios
Banco Popular de Puerto Rico, 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 | 4.8935% | 2,290 |
| Cost of funding earning assets | 1.5269% | 1,876 |
| Net interest margin | 3.3666% | 2,477 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 2.7775% | 1,559 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 0.7843% | 2,921 |
| Return on assets (ROA) | 0.7843% | 2,902 |
| Pretax return on assets | 0.9905% | 2,708 |
| Return on Equity (ROE) | 17.9800% | 820 |
| Retained earnings to average equity (ytd only) | 9.8982% | 1,041 |
| Net charge-offs to loans | 0.5524% | 181 |
| Credit loss provision to net charge-offs | 152.3438% | 1,458 |
| Earnings coverage of net charge-offs (x) | 5.9063% | 2,506 |
| Efficiency ratio | 67.4957% | 2,170 |
| Assets per employee ($millions) | 7.8374% | 1,520 |
| Cash dividends to net income (ytd only)* | 44.9438% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6296% | 168 |
| Loan loss allowance to noncurrent loans | 107.0234% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 1.1938% | 365 |
| Noncurrent loans to loans | 2.4571% | 202 |
| Net loans and leases to total assets | 41.6700% | 3,975 |
| Net loans and leases to deposits | 44.5518% | 4,089 |
| Net loans and leases to core deposits | 46.9714% | 4,143 |
| Total domestic deposits to total assets | 92.7900% | 196 |
| Equity capital to assets | 5.2764% | 4,371 |
| Core capital (leverage) ratio | 7.6444% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1564% | 886 |
| Memoranda: | ||
| Average total assets | $56,741,600,000 | 42 |
| Average earning assets | $53,704,400,000 | 41 |
| Average equity | $2,475,200,000 | 81 |
| Average total loans | $23,171,800,000 | 58 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7960% | 2,272 |
| Cost of funding earning assets | 1.4348% | 1,776 |
| Net interest margin | 3.3612% | 2,543 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 2.6615% | 1,765 |
| Loan and lease loss provision to assets | 0.3000% | 314 |
| Net operating income to assets | 0.8605% | 2,831 |
| Return on assets (ROA) | 0.8605% | 2,811 |
| Pretax return on assets | 1.1450% | 2,443 |
| Return on Equity (ROE) | 20.8200% | 653 |
| Retained earnings to average equity (ytd only) | 12.2877% | 928 |
| Net charge-offs to loans | 0.4429% | 189 |
| Credit loss provision to net charge-offs | 168.4211% | 1,237 |
| Earnings coverage of net charge-offs (x) | 8.0789% | 2,210 |
| Efficiency ratio | 64.7766% | 2,415 |
| Assets per employee ($millions) | 7.8360% | 1,436 |
| Cash dividends to net income (ytd only)* | 40.9836% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6492% | 167 |
| Loan loss allowance to noncurrent loans | 104.5151% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 376 |
| Noncurrent loans to loans | 2.5348% | 195 |
| Net loans and leases to total assets | 40.3700% | 4,042 |
| Net loans and leases to deposits | 42.6096% | 4,146 |
| Net loans and leases to core deposits | 44.9303% | 4,153 |
| Total domestic deposits to total assets | 94.0400% | 186 |
| Equity capital to assets | 4.1396% | 4,389 |
| Core capital (leverage) ratio | 7.4788% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7095% | 857 |
| Memoranda: | ||
| Average total assets | $56,708,000,000 | 43 |
| Average earning assets | $53,710,000,000 | 42 |
| Average equity | $2,343,750,000 | 86 |
| Average total loans | $22,880,250,000 | 59 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6446% | 2,321 |
| Cost of funding earning assets | 1.2914% | 1,732 |
| Net interest margin | 3.3532% | 2,633 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.6656% | 1,732 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 0.8791% | 2,824 |
| Return on assets (ROA) | 0.8791% | 2,816 |
| Pretax return on assets | 1.1616% | 2,468 |
| Return on Equity (ROE) | 21.2800% | 598 |
| Retained earnings to average equity (ytd only) | 12.7350% | 848 |
| Net charge-offs to loans | 0.4505% | 194 |
| Credit loss provision to net charge-offs | 145.0980% | 1,214 |
| Earnings coverage of net charge-offs (x) | 7.9216% | 2,068 |
| Efficiency ratio | 65.0561% | 2,366 |
| Assets per employee ($millions) | 7.9135% | 1,358 |
| Cash dividends to net income (ytd only)* | 40.1606% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5934% | 196 |
| Loan loss allowance to noncurrent loans | 95.3600% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 327 |
| Noncurrent loans to loans | 2.7196% | 167 |
| Net loans and leases to total assets | 38.4100% | 4,099 |
| Net loans and leases to deposits | 40.5797% | 4,200 |
| Net loans and leases to core deposits | 42.8922% | 4,198 |
| Total domestic deposits to total assets | 93.8800% | 159 |
| Equity capital to assets | 4.2420% | 4,481 |
| Core capital (leverage) ratio | 7.4865% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7707% | 846 |
| Memoranda: | ||
| Average total assets | $56,647,666,667 | 43 |
| Average earning assets | $53,740,000,000 | 42 |
| Average equity | $2,340,000,000 | 84 |
| Average total loans | $22,643,000,000 | 57 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5589% | 2,170 |
| Cost of funding earning assets | 1.1718% | 1,528 |
| Net interest margin | 3.3870% | 2,669 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 2.6077% | 1,932 |
| Loan and lease loss provision to assets | 0.3300% | 250 |
| Net operating income to assets | 0.8812% | 2,917 |
| Return on assets (ROA) | 0.8812% | 2,874 |
| Pretax return on assets | 1.1892% | 2,452 |
| Return on Equity (ROE) | 21.6400% | 611 |
| Retained earnings to average equity (ytd only) | 12.8408% | 1,118 |
| Net charge-offs to loans | 0.5517% | 148 |
| Credit loss provision to net charge-offs | 145.1613% | 964 |
| Earnings coverage of net charge-offs (x) | 6.8387% | 1,775 |
| Efficiency ratio | 63.1944% | 2,544 |
| Assets per employee ($millions) | 7.6619% | 1,526 |
| Cash dividends to net income (ytd only)* | 40.6504% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5952% | 206 |
| Loan loss allowance to noncurrent loans | 85.6934% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.3988% | 244 |
| Noncurrent loans to loans | 3.0284% | 146 |
| Net loans and leases to total assets | 39.6100% | 4,055 |
| Net loans and leases to deposits | 41.9569% | 4,164 |
| Net loans and leases to core deposits | 44.2427% | 4,161 |
| Total domestic deposits to total assets | 93.6700% | 207 |
| Equity capital to assets | 4.3745% | 4,515 |
| Core capital (leverage) ratio | 7.4250% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5875% | 896 |
| Memoranda: | ||
| Average total assets | $55,834,000,000 | 46 |
| Average earning assets | $52,908,000,000 | 45 |
| Average equity | $2,274,000,000 | 90 |
| Average total loans | $22,474,000,000 | 60 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5730% | 2,875 |
| Cost of funding earning assets | 0.3601% | 2,400 |
| Net interest margin | 3.2128% | 2,834 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 2.4747% | 2,198 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2876% | 1,479 |
| Return on assets (ROA) | 1.2876% | 1,435 |
| Pretax return on assets | 1.5354% | 1,343 |
| Return on Equity (ROE) | 30.8000% | 108 |
| Retained earnings to average equity (ytd only) | 12.7764% | 542 |
| Net charge-offs to loans | 0.2286% | 352 |
| Credit loss provision to net charge-offs | 140.8163% | 1,342 |
| Earnings coverage of net charge-offs (x) | 20.1429% | 1,890 |
| Efficiency ratio | 59.8783% | 3,074 |
| Assets per employee ($millions) | 7.8304% | 1,421 |
| Cash dividends to net income (ytd only)* | 58.5176% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7543% | 161 |
| Loan loss allowance to noncurrent loans | 81.5650% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.5094% | 214 |
| Noncurrent loans to loans | 3.3768% | 115 |
| Net loans and leases to total assets | 38.7400% | 4,112 |
| Net loans and leases to deposits | 40.7943% | 4,219 |
| Net loans and leases to core deposits | 43.0125% | 4,208 |
| Total domestic deposits to total assets | 94.2100% | 219 |
| Equity capital to assets | 3.7734% | 4,546 |
| Core capital (leverage) ratio | 7.2017% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3430% | 921 |
| Memoranda: | ||
| Average total assets | $59,724,800,000 | 45 |
| Average earning assets | $56,647,800,000 | 44 |
| Average equity | $2,496,800,000 | 88 |
| Average total loans | $21,435,600,000 | 64 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3295% | 3,100 |
| Cost of funding earning assets | 0.2039% | 3,220 |
| Net interest margin | 3.1256% | 2,849 |
| Noninterest income to average assets | 1.1300% | 547 |
| Noninterest expense to average assets | 2.3921% | 2,361 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3433% | 1,226 |
| Return on assets (ROA) | 1.3433% | 1,206 |
| Pretax return on assets | 1.6533% | 994 |
| Return on Equity (ROE) | 31.4300% | 86 |
| Retained earnings to average equity (ytd only) | 8.2809% | 1,893 |
| Net charge-offs to loans | 0.1823% | 368 |
| Credit loss provision to net charge-offs | 86.2069% | 1,394 |
| Earnings coverage of net charge-offs (x) | 26.7931% | 1,577 |
| Efficiency ratio | 58.2842% | 3,352 |
| Assets per employee ($millions) | 8.3364% | 1,151 |
| Cash dividends to net income (ytd only)* | 73.6498% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6775% | 186 |
| Loan loss allowance to noncurrent loans | 78.6951% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 244 |
| Noncurrent loans to loans | 3.4023% | 129 |
| Net loans and leases to total assets | 36.1000% | 4,223 |
| Net loans and leases to deposits | 37.6957% | 4,319 |
| Net loans and leases to core deposits | 39.9123% | 4,278 |
| Total domestic deposits to total assets | 95.0800% | 209 |
| Equity capital to assets | 2.9661% | 4,593 |
| Core capital (leverage) ratio | 6.6454% | 4,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6089% | 1,064 |
| Memoranda: | ||
| Average total assets | $60,643,500,000 | 46 |
| Average earning assets | $57,545,500,000 | 45 |
| Average equity | $2,592,250,000 | 88 |
| Average total loans | $21,212,250,000 | 66 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0870% | 3,338 |
| Cost of funding earning assets | 0.1302% | 3,836 |
| Net interest margin | 2.9568% | 3,017 |
| Noninterest income to average assets | 0.8685% | 908 |
| Noninterest expense to average assets | 2.2549% | 2,690 |
| Loan and lease loss provision to assets | -0.0164% | 4,416 |
| Net operating income to assets | 1.1537% | 1,590 |
| Return on assets (ROA) | 1.1537% | 1,573 |
| Pretax return on assets | 1.4585% | 1,288 |
| Return on Equity (ROE) | 24.5467% | 126 |
| Retained earnings to average equity (ytd only) | -6.8340% | 4,590 |
| Net charge-offs to loans | 0.1051% | 566 |
| Credit loss provision to net charge-offs | -36.3636% | 3,016 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,258 |
| Efficiency ratio | 60.9043% | 3,189 |
| Assets per employee ($millions) | 8.5174% | 1,060 |
| Cash dividends to net income (ytd only)* | 127.8409% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7270% | 192 |
| Loan loss allowance to noncurrent loans | 67.9953% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.5721% | 220 |
| Noncurrent loans to loans | 4.0105% | 93 |
| Net loans and leases to total assets | 34.3084% | 4,318 |
| Net loans and leases to deposits | 36.0637% | 4,387 |
| Net loans and leases to core deposits | 38.3634% | 4,377 |
| Total domestic deposits to total assets | 94.3618% | 219 |
| Equity capital to assets | 3.6366% | 4,657 |
| Core capital (leverage) ratio | 6.3181% | 4,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6404% | 1,046 |
| Memoranda: | ||
| Average total assets | $61,023,000,000 | 45 |
| Average earning assets | $58,373,333,333 | 43 |
| Average equity | $2,868,000,000 | 79 |
| Average total loans | $20,925,333,333 | 66 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9456% | 3,415 |
| Cost of funding earning assets | 0.1293% | 3,786 |
| Net interest margin | 2.8163% | 3,088 |
| Noninterest income to average assets | 0.8276% | 976 |
| Noninterest expense to average assets | 2.2156% | 2,798 |
| Loan and lease loss provision to assets | -0.0912% | 4,584 |
| Net operating income to assets | 1.1469% | 1,386 |
| Return on assets (ROA) | 1.1469% | 1,384 |
| Pretax return on assets | 1.4010% | 1,251 |
| Return on Equity (ROE) | 21.9623% | 156 |
| Retained earnings to average equity (ytd only) | -34.1912% | 4,757 |
| Net charge-offs to loans | 0.1156% | 470 |
| Credit loss provision to net charge-offs | -216.6667% | 2,987 |
| Earnings coverage of net charge-offs (x) | 33.5000% | 1,083 |
| Efficiency ratio | 62.8466% | 3,162 |
| Assets per employee ($millions) | 8.3922% | 1,168 |
| Cash dividends to net income (ytd only)* | 255.6818% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7659% | 203 |
| Loan loss allowance to noncurrent loans | 62.0690% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 185 |
| Noncurrent loans to loans | 4.4562% | 78 |
| Net loans and leases to total assets | 34.5776% | 4,283 |
| Net loans and leases to deposits | 36.6836% | 4,364 |
| Net loans and leases to core deposits | 39.1126% | 4,334 |
| Total domestic deposits to total assets | 93.5657% | 161 |
| Equity capital to assets | 4.3630% | 4,763 |
| Core capital (leverage) ratio | 5.7192% | 4,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2804% | 1,195 |
| Memoranda: | ||
| Average total assets | $61,383,000,000 | 45 |
| Average earning assets | $58,800,500,000 | 43 |
| Average equity | $3,205,500,000 | 71 |
| Average total loans | $20,753,500,000 | 68 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0490% | 3,786 |
| Cost of funding earning assets | 0.1375% | 4,088 |
| Net interest margin | 2.9115% | 3,417 |
| Noninterest income to average assets | 0.8650% | 1,291 |
| Noninterest expense to average assets | 2.1509% | 3,228 |
| Loan and lease loss provision to assets | -0.2262% | 4,734 |
| Net operating income to assets | 1.3025% | 1,590 |
| Return on assets (ROA) | 1.3025% | 1,631 |
| Pretax return on assets | 1.7234% | 1,087 |
| Return on Equity (ROE) | 19.3066% | 351 |
| Retained earnings to average equity (ytd only) | 0.5425% | 4,366 |
| Net charge-offs to loans | 0.0950% | 882 |
| Credit loss provision to net charge-offs | -645.0000% | 3,808 |
| Earnings coverage of net charge-offs (x) | 45.0000% | 1,365 |
| Efficiency ratio | 58.8691% | 3,307 |
| Assets per employee ($millions) | 9.3703% | 821 |
| Cash dividends to net income (ytd only)* | 97.1903% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8721% | 170 |
| Loan loss allowance to noncurrent loans | 59.6985% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.6899% | 226 |
| Noncurrent loans to loans | 4.8109% | 78 |
| Net loans and leases to total assets | 31.2873% | 4,473 |
| Net loans and leases to deposits | 33.7228% | 4,535 |
| Net loans and leases to core deposits | 35.6809% | 4,522 |
| Total domestic deposits to total assets | 92.1221% | 148 |
| Equity capital to assets | 6.0058% | 4,814 |
| Core capital (leverage) ratio | 6.2444% | 4,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9221% | 905 |
| Memoranda: | ||
| Average total assets | $60,115,400,000 | 44 |
| Average earning assets | $57,461,000,000 | 43 |
| Average equity | $4,055,600,000 | 63 |
| Average total loans | $21,041,600,000 | 68 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0894% | 3,836 |
| Cost of funding earning assets | 0.1418% | 4,181 |
| Net interest margin | 2.9476% | 3,443 |
| Noninterest income to average assets | 0.8709% | 1,320 |
| Noninterest expense to average assets | 2.1367% | 3,261 |
| Loan and lease loss provision to assets | -0.2347% | 4,780 |
| Net operating income to assets | 1.3605% | 1,653 |
| Return on assets (ROA) | 1.3605% | 1,711 |
| Pretax return on assets | 1.7825% | 1,201 |
| Return on Equity (ROE) | 19.5830% | 457 |
| Retained earnings to average equity (ytd only) | 0.9093% | 4,427 |
| Net charge-offs to loans | 0.1767% | 491 |
| Credit loss provision to net charge-offs | -350.0000% | 3,540 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,639 |
| Efficiency ratio | 57.8690% | 3,283 |
| Assets per employee ($millions) | 9.2056% | 834 |
| Cash dividends to net income (ytd only)* | 95.3566% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9377% | 163 |
| Loan loss allowance to noncurrent loans | 53.2355% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.9607% | 195 |
| Noncurrent loans to loans | 5.5183% | 64 |
| Net loans and leases to total assets | 32.1830% | 4,536 |
| Net loans and leases to deposits | 34.8193% | 4,607 |
| Net loans and leases to core deposits | 36.8971% | 4,595 |
| Total domestic deposits to total assets | 91.7861% | 166 |
| Equity capital to assets | 6.3731% | 4,872 |
| Core capital (leverage) ratio | 6.4001% | 4,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8581% | 987 |
| Memoranda: | ||
| Average total assets | $59,093,000,000 | 45 |
| Average earning assets | $56,405,750,000 | 45 |
| Average equity | $4,105,500,000 | 63 |
| Average total loans | $21,131,500,000 | 69 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1623% | 3,744 |
| Cost of funding earning assets | 0.1456% | 4,241 |
| Net interest margin | 3.0167% | 3,279 |
| Noninterest income to average assets | 0.8773% | 1,336 |
| Noninterest expense to average assets | 2.1603% | 3,211 |
| Loan and lease loss provision to assets | -0.2323% | 4,787 |
| Net operating income to assets | 1.4009% | 1,565 |
| Return on assets (ROA) | 1.4009% | 1,633 |
| Pretax return on assets | 1.8240% | 1,178 |
| Return on Equity (ROE) | 19.5721% | 491 |
| Retained earnings to average equity (ytd only) | -8.2842% | 4,844 |
| Net charge-offs to loans | 0.1795% | 474 |
| Credit loss provision to net charge-offs | -326.3158% | 3,342 |
| Earnings coverage of net charge-offs (x) | 24.1579% | 1,443 |
| Efficiency ratio | 57.4861% | 3,345 |
| Assets per employee ($millions) | 8.8688% | 898 |
| Cash dividends to net income (ytd only)* | 142.3267% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1579% | 129 |
| Loan loss allowance to noncurrent loans | 51.2781% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 2.2141% | 177 |
| Noncurrent loans to loans | 6.1585% | 58 |
| Net loans and leases to total assets | 32.7615% | 4,569 |
| Net loans and leases to deposits | 35.4188% | 4,644 |
| Net loans and leases to core deposits | 37.5875% | 4,635 |
| Total domestic deposits to total assets | 91.7681% | 175 |
| Equity capital to assets | 6.2599% | 4,909 |
| Core capital (leverage) ratio | 6.3484% | 4,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9602% | 1,128 |
| Memoranda: | ||
| Average total assets | $57,676,000,000 | 45 |
| Average earning assets | $54,960,666,667 | 45 |
| Average equity | $4,128,333,333 | 63 |
| Average total loans | $21,174,333,333 | 68 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2639% | 3,536 |
| Cost of funding earning assets | 0.1590% | 4,245 |
| Net interest margin | 3.1049% | 2,971 |
| Noninterest income to average assets | 0.9148% | 1,289 |
| Noninterest expense to average assets | 2.2474% | 2,953 |
| Loan and lease loss provision to assets | -0.3241% | 4,869 |
| Net operating income to assets | 1.5199% | 1,283 |
| Return on assets (ROA) | 1.5199% | 1,347 |
| Pretax return on assets | 1.9449% | 1,036 |
| Return on Equity (ROE) | 19.8448% | 544 |
| Retained earnings to average equity (ytd only) | 19.8448% | 275 |
| Net charge-offs to loans | 0.3759% | 225 |
| Credit loss provision to net charge-offs | -200.0000% | 2,961 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,463 |
| Efficiency ratio | 57.9143% | 3,312 |
| Assets per employee ($millions) | 7.9540% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2196% | 125 |
| Loan loss allowance to noncurrent loans | 45.4303% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 2.8306% | 120 |
| Noncurrent loans to loans | 7.0868% | 45 |
| Net loans and leases to total assets | 36.6516% | 4,474 |
| Net loans and leases to deposits | 40.2363% | 4,556 |
| Net loans and leases to core deposits | 42.9386% | 4,531 |
| Total domestic deposits to total assets | 90.3962% | 617 |
| Equity capital to assets | 7.4911% | 4,711 |
| Core capital (leverage) ratio | 7.5355% | 4,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6022% | 836 |
| Memoranda: | ||
| Average total assets | $55,531,000,000 | 46 |
| Average earning assets | $52,820,500,000 | 45 |
| Average equity | $4,253,000,000 | 63 |
| Average total loans | $21,280,000,000 | 69 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6609% | 3,673 |
| Cost of funding earning assets | 0.2346% | 4,443 |
| Net interest margin | 3.4263% | 2,688 |
| Noninterest income to average assets | 0.8083% | 1,507 |
| Noninterest expense to average assets | 2.4108% | 3,106 |
| Loan and lease loss provision to assets | 0.4123% | 733 |
| Net operating income to assets | 1.0053% | 2,272 |
| Return on assets (ROA) | 1.0053% | 2,416 |
| Pretax return on assets | 1.2186% | 2,266 |
| Return on Equity (ROE) | 11.9525% | 1,334 |
| Retained earnings to average equity (ytd only) | -2.0042% | 4,705 |
| Net charge-offs to loans | 0.8454% | 168 |
| Credit loss provision to net charge-offs | 117.0455% | 2,659 |
| Earnings coverage of net charge-offs (x) | 4.5625% | 2,965 |
| Efficiency ratio | 59.4472% | 3,529 |
| Assets per employee ($millions) | 7.8567% | 1,088 |
| Cash dividends to net income (ytd only)* | 116.7677% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4567% | 96 |
| Loan loss allowance to noncurrent loans | 42.8241% | 4,118 |
| Noncurrent assets plus other real estate owned to assets | 3.3056% | 94 |
| Noncurrent loans to loans | 8.0717% | 34 |
| Net loans and leases to total assets | 37.4359% | 4,550 |
| Net loans and leases to deposits | 41.8754% | 4,600 |
| Net loans and leases to core deposits | 44.6644% | 4,583 |
| Total domestic deposits to total assets | 88.6558% | 1,139 |
| Equity capital to assets | 7.8284% | 4,765 |
| Core capital (leverage) ratio | 7.2651% | 4,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5879% | 965 |
| Memoranda: | ||
| Average total assets | $49,237,600,000 | 49 |
| Average earning assets | $46,464,600,000 | 47 |
| Average equity | $4,141,400,000 | 60 |
| Average total loans | $20,819,000,000 | 69 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 3,601 |
| Cost of funding earning assets | 0.2610% | 4,470 |
| Net interest margin | 3.5263% | 2,500 |
| Noninterest income to average assets | 0.7875% | 1,543 |
| Noninterest expense to average assets | 2.4686% | 2,939 |
| Loan and lease loss provision to assets | 0.5055% | 574 |
| Net operating income to assets | 0.9439% | 2,544 |
| Return on assets (ROA) | 0.9439% | 2,675 |
| Pretax return on assets | 1.1338% | 2,624 |
| Return on Equity (ROE) | 11.0017% | 1,676 |
| Retained earnings to average equity (ytd only) | -7.8118% | 4,897 |
| Net charge-offs to loans | 0.8707% | 153 |
| Credit loss provision to net charge-offs | 134.0741% | 2,422 |
| Earnings coverage of net charge-offs (x) | 4.3481% | 2,831 |
| Efficiency ratio | 59.8912% | 3,403 |
| Assets per employee ($millions) | 7.8889% | 1,043 |
| Cash dividends to net income (ytd only)* | 171.0059% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5068% | 93 |
| Loan loss allowance to noncurrent loans | 39.5385% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 3.6644% | 99 |
| Noncurrent loans to loans | 8.8694% | 35 |
| Net loans and leases to total assets | 37.5430% | 4,625 |
| Net loans and leases to deposits | 42.6393% | 4,688 |
| Net loans and leases to core deposits | 45.8609% | 4,665 |
| Total domestic deposits to total assets | 87.3132% | 1,538 |
| Equity capital to assets | 7.5857% | 4,838 |
| Core capital (leverage) ratio | 7.2386% | 4,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0449% | 1,049 |
| Memoranda: | ||
| Average total assets | $47,744,750,000 | 50 |
| Average earning assets | $44,956,000,000 | 47 |
| Average equity | $4,096,250,000 | 61 |
| Average total loans | $20,671,750,000 | 68 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0541% | 3,179 |
| Cost of funding earning assets | 0.3108% | 4,442 |
| Net interest margin | 3.7433% | 2,016 |
| Noninterest income to average assets | 0.8267% | 1,357 |
| Noninterest expense to average assets | 2.6039% | 2,650 |
| Loan and lease loss provision to assets | 0.7648% | 327 |
| Net operating income to assets | 0.8267% | 2,950 |
| Return on assets (ROA) | 0.8267% | 3,063 |
| Pretax return on assets | 0.9726% | 3,104 |
| Return on Equity (ROE) | 9.2020% | 2,278 |
| Retained earnings to average equity (ytd only) | -19.2405% | 5,006 |
| Net charge-offs to loans | 1.1865% | 115 |
| Credit loss provision to net charge-offs | 142.9752% | 2,160 |
| Earnings coverage of net charge-offs (x) | 3.2479% | 2,695 |
| Efficiency ratio | 59.7760% | 3,438 |
| Assets per employee ($millions) | 7.3811% | 1,229 |
| Cash dividends to net income (ytd only)* | 309.0909% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5603% | 86 |
| Loan loss allowance to noncurrent loans | 47.0405% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 3.3557% | 123 |
| Noncurrent loans to loans | 7.5686% | 52 |
| Net loans and leases to total assets | 39.4632% | 4,626 |
| Net loans and leases to deposits | 44.4239% | 4,694 |
| Net loans and leases to core deposits | 48.0273% | 4,664 |
| Total domestic deposits to total assets | 88.0458% | 1,152 |
| Equity capital to assets | 7.8035% | 4,805 |
| Core capital (leverage) ratio | 7.5869% | 4,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6845% | 1,100 |
| Memoranda: | ||
| Average total assets | $45,239,000,000 | 51 |
| Average earning assets | $42,475,666,667 | 49 |
| Average equity | $4,064,333,333 | 62 |
| Average total loans | $20,395,333,333 | 68 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 2,060 |
| Cost of funding earning assets | 0.4183% | 4,297 |
| Net interest margin | 4.1623% | 998 |
| Noninterest income to average assets | 1.0203% | 818 |
| Noninterest expense to average assets | 2.9180% | 2,077 |
| Loan and lease loss provision to assets | 1.0871% | 188 |
| Net operating income to assets | 0.7629% | 3,043 |
| Return on assets (ROA) | 0.7629% | 3,122 |
| Pretax return on assets | 0.9059% | 3,124 |
| Return on Equity (ROE) | 7.8537% | 2,574 |
| Retained earnings to average equity (ytd only) | -48.8894% | 5,085 |
| Net charge-offs to loans | 1.1806% | 127 |
| Credit loss provision to net charge-offs | 191.5254% | 1,438 |
| Earnings coverage of net charge-offs (x) | 3.5424% | 2,206 |
| Efficiency ratio | 59.2233% | 3,837 |
| Assets per employee ($millions) | 6.0081% | 1,675 |
| Cash dividends to net income (ytd only)* | 722.5000% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7810% | 88 |
| Loan loss allowance to noncurrent loans | 62.7695% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 3.1987% | 173 |
| Noncurrent loans to loans | 6.0237% | 82 |
| Net loans and leases to total assets | 45.5769% | 4,444 |
| Net loans and leases to deposits | 51.4283% | 4,544 |
| Net loans and leases to core deposits | 57.1378% | 4,455 |
| Total domestic deposits to total assets | 87.7801% | 1,194 |
| Equity capital to assets | 9.2791% | 4,411 |
| Core capital (leverage) ratio | 8.3658% | 4,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6263% | 1,207 |
| Memoranda: | ||
| Average total assets | $41,947,000,000 | 53 |
| Average earning assets | $39,209,500,000 | 51 |
| Average equity | $4,074,500,000 | 61 |
| Average total loans | $19,990,000,000 | 68 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9455% | 1,621 |
| Cost of funding earning assets | 0.5854% | 3,694 |
| Net interest margin | 4.3601% | 965 |
| Noninterest income to average assets | 1.1254% | 745 |
| Noninterest expense to average assets | 3.0350% | 1,925 |
| Loan and lease loss provision to assets | 0.3361% | 468 |
| Net operating income to assets | 1.4963% | 1,064 |
| Return on assets (ROA) | 1.4963% | 1,125 |
| Pretax return on assets | 1.8150% | 900 |
| Return on Equity (ROE) | 14.9450% | 696 |
| Retained earnings to average equity (ytd only) | 4.9983% | 2,415 |
| Net charge-offs to loans | 1.0623% | 151 |
| Credit loss provision to net charge-offs | 64.2857% | 2,983 |
| Earnings coverage of net charge-offs (x) | 4.1143% | 3,257 |
| Efficiency ratio | 58.2813% | 3,930 |
| Assets per employee ($millions) | 5.9154% | 1,694 |
| Cash dividends to net income (ytd only)* | 66.5557% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1644% | 352 |
| Loan loss allowance to noncurrent loans | 39.5242% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.9692% | 180 |
| Noncurrent loans to loans | 5.4762% | 86 |
| Net loans and leases to total assets | 46.9095% | 4,486 |
| Net loans and leases to deposits | 53.5353% | 4,553 |
| Net loans and leases to core deposits | 58.1074% | 4,520 |
| Total domestic deposits to total assets | 86.7682% | 1,720 |
| Equity capital to assets | 10.1545% | 3,784 |
| Core capital (leverage) ratio | 9.6523% | 3,900 |
| Tier 1 risk-based capital ratio | 18.7704% | 1,570 |
| Total risk-based capital ratio | 20.0366% | 1,536 |
| Memoranda: | ||
| Average total assets | $40,165,000,000 | 52 |
| Average earning assets | $37,407,400,000 | 48 |
| Average equity | $4,021,400,000 | 59 |
| Average total loans | $19,769,200,000 | 65 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0178% | 1,491 |
| Cost of funding earning assets | 0.5975% | 3,713 |
| Net interest margin | 4.4203% | 907 |
| Noninterest income to average assets | 1.1122% | 731 |
| Noninterest expense to average assets | 2.9983% | 1,986 |
| Loan and lease loss provision to assets | 0.3183% | 445 |
| Net operating income to assets | 1.5176% | 1,142 |
| Return on assets (ROA) | 1.5176% | 1,198 |
| Pretax return on assets | 1.9095% | 844 |
| Return on Equity (ROE) | 15.2137% | 730 |
| Retained earnings to average equity (ytd only) | 3.4592% | 3,679 |
| Net charge-offs to loans | 1.0276% | 136 |
| Credit loss provision to net charge-offs | 62.5000% | 2,687 |
| Earnings coverage of net charge-offs (x) | 4.3750% | 3,016 |
| Efficiency ratio | 57.1795% | 4,046 |
| Assets per employee ($millions) | 5.9227% | 1,658 |
| Cash dividends to net income (ytd only)* | 77.2627% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2833% | 296 |
| Loan loss allowance to noncurrent loans | 39.5083% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 3.0429% | 184 |
| Noncurrent loans to loans | 5.7794% | 80 |
| Net loans and leases to total assets | 45.9256% | 4,600 |
| Net loans and leases to deposits | 52.2704% | 4,698 |
| Net loans and leases to core deposits | 56.3363% | 4,675 |
| Total domestic deposits to total assets | 87.0555% | 1,483 |
| Equity capital to assets | 9.9087% | 4,107 |
| Core capital (leverage) ratio | 9.4770% | 4,189 |
| Tier 1 risk-based capital ratio | 18.4266% | 1,705 |
| Total risk-based capital ratio | 19.6964% | 1,663 |
| Memoranda: | ||
| Average total assets | $39,799,500,000 | 53 |
| Average earning assets | $37,040,500,000 | 50 |
| Average equity | $3,970,000,000 | 60 |
| Average total loans | $19,721,750,000 | 66 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 1,231 |
| Cost of funding earning assets | 0.5998% | 3,654 |
| Net interest margin | 4.4955% | 779 |
| Noninterest income to average assets | 1.1001% | 705 |
| Noninterest expense to average assets | 2.9728% | 2,079 |
| Loan and lease loss provision to assets | 0.3070% | 446 |
| Net operating income to assets | 1.5810% | 947 |
| Return on assets (ROA) | 1.5810% | 987 |
| Pretax return on assets | 2.0006% | 676 |
| Return on Equity (ROE) | 15.8124% | 622 |
| Retained earnings to average equity (ytd only) | 3.0192% | 3,709 |
| Net charge-offs to loans | 0.9226% | 156 |
| Credit loss provision to net charge-offs | 65.9341% | 2,355 |
| Earnings coverage of net charge-offs (x) | 4.9560% | 2,699 |
| Efficiency ratio | 56.1047% | 4,235 |
| Assets per employee ($millions) | 5.7599% | 1,732 |
| Cash dividends to net income (ytd only)* | 80.9061% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4042% | 254 |
| Loan loss allowance to noncurrent loans | 39.3388% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 3.3101% | 160 |
| Noncurrent loans to loans | 6.1114% | 63 |
| Net loans and leases to total assets | 47.6253% | 4,584 |
| Net loans and leases to deposits | 54.6821% | 4,653 |
| Net loans and leases to core deposits | 59.2967% | 4,599 |
| Total domestic deposits to total assets | 86.1213% | 1,968 |
| Equity capital to assets | 10.0214% | 3,958 |
| Core capital (leverage) ratio | 9.5109% | 4,132 |
| Tier 1 risk-based capital ratio | 17.9727% | 1,815 |
| Total risk-based capital ratio | 19.2445% | 1,761 |
| Memoranda: | ||
| Average total assets | $39,088,333,330 | 53 |
| Average earning assets | $36,347,333,330 | 51 |
| Average equity | $3,908,333,330 | 60 |
| Average total loans | $19,726,333,330 | 65 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 1,009 |
| Cost of funding earning assets | 0.5843% | 3,655 |
| Net interest margin | 4.5624% | 660 |
| Noninterest income to average assets | 1.1370% | 627 |
| Noninterest expense to average assets | 2.9521% | 2,126 |
| Loan and lease loss provision to assets | 0.3234% | 381 |
| Net operating income to assets | 1.6273% | 843 |
| Return on assets (ROA) | 1.6273% | 875 |
| Pretax return on assets | 2.0967% | 530 |
| Return on Equity (ROE) | 16.2946% | 559 |
| Retained earnings to average equity (ytd only) | -4.5959% | 4,902 |
| Net charge-offs to loans | 1.0970% | 120 |
| Credit loss provision to net charge-offs | 57.4074% | 1,923 |
| Earnings coverage of net charge-offs (x) | 4.2963% | 2,335 |
| Efficiency ratio | 54.7573% | 4,461 |
| Assets per employee ($millions) | 5.5780% | 1,906 |
| Cash dividends to net income (ytd only)* | 128.2051% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4515% | 262 |
| Loan loss allowance to noncurrent loans | 37.5485% | 4,495 |
| Noncurrent assets plus other real estate owned to assets | 3.6623% | 137 |
| Noncurrent loans to loans | 6.5289% | 63 |
| Net loans and leases to total assets | 49.6712% | 4,490 |
| Net loans and leases to deposits | 56.6524% | 4,566 |
| Net loans and leases to core deposits | 61.3676% | 4,515 |
| Total domestic deposits to total assets | 86.6866% | 1,970 |
| Equity capital to assets | 9.9322% | 3,889 |
| Core capital (leverage) ratio | 9.4407% | 4,211 |
| Tier 1 risk-based capital ratio | 17.5123% | 1,936 |
| Total risk-based capital ratio | 18.7874% | 1,880 |
| Memoranda: | ||
| Average total assets | $38,346,000,000 | 54 |
| Average earning assets | $35,595,500,000 | 52 |
| Average equity | $3,829,500,000 | 63 |
| Average total loans | $19,690,000,000 | 65 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 1,576 |
| Cost of funding earning assets | 0.4381% | 3,748 |
| Net interest margin | 4.3486% | 1,043 |
| Noninterest income to average assets | 1.4183% | 454 |
| Noninterest expense to average assets | 3.0531% | 1,916 |
| Loan and lease loss provision to assets | 0.5359% | 214 |
| Net operating income to assets | 1.5780% | 931 |
| Return on assets (ROA) | 1.5780% | 920 |
| Pretax return on assets | 1.8324% | 845 |
| Return on Equity (ROE) | 15.7491% | 679 |
| Retained earnings to average equity (ytd only) | 3.7009% | 3,545 |
| Net charge-offs to loans | 1.2947% | 92 |
| Credit loss provision to net charge-offs | 81.8182% | 2,839 |
| Earnings coverage of net charge-offs (x) | 3.6157% | 3,392 |
| Efficiency ratio | 56.1158% | 4,392 |
| Assets per employee ($millions) | 5.2856% | 2,165 |
| Cash dividends to net income (ytd only)* | 76.5009% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5819% | 211 |
| Loan loss allowance to noncurrent loans | 38.3220% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 3.8661% | 127 |
| Noncurrent loans to loans | 6.7373% | 58 |
| Net loans and leases to total assets | 50.4496% | 4,491 |
| Net loans and leases to deposits | 57.7126% | 4,586 |
| Net loans and leases to core deposits | 62.7892% | 4,502 |
| Total domestic deposits to total assets | 86.3472% | 2,071 |
| Equity capital to assets | 10.0425% | 3,642 |
| Core capital (leverage) ratio | 9.6181% | 3,985 |
| Tier 1 risk-based capital ratio | 17.7189% | 1,842 |
| Total risk-based capital ratio | 19.0002% | 1,783 |
| Memoranda: | ||
| Average total assets | $36,945,600,000 | 52 |
| Average earning assets | $34,010,800,000 | 51 |
| Average equity | $3,701,800,000 | 61 |
| Average total loans | $18,691,200,000 | 65 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 1,893 |
| Cost of funding earning assets | 0.3953% | 3,897 |
| Net interest margin | 4.2377% | 1,266 |
| Noninterest income to average assets | 1.4277% | 463 |
| Noninterest expense to average assets | 2.9389% | 2,198 |
| Loan and lease loss provision to assets | 0.5631% | 183 |
| Net operating income to assets | 1.7437% | 676 |
| Return on assets (ROA) | 1.7437% | 681 |
| Pretax return on assets | 1.8200% | 966 |
| Return on Equity (ROE) | 17.4133% | 494 |
| Retained earnings to average equity (ytd only) | 3.0473% | 4,216 |
| Net charge-offs to loans | 1.0548% | 131 |
| Credit loss provision to net charge-offs | 106.1644% | 2,174 |
| Earnings coverage of net charge-offs (x) | 4.4932% | 3,057 |
| Efficiency ratio | 55.0171% | 4,505 |
| Assets per employee ($millions) | 5.3954% | 2,020 |
| Cash dividends to net income (ytd only)* | 82.5000% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8604% | 159 |
| Loan loss allowance to noncurrent loans | 36.1057% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 4.4523% | 103 |
| Noncurrent loans to loans | 7.9222% | 48 |
| Net loans and leases to total assets | 49.7788% | 4,612 |
| Net loans and leases to deposits | 56.7922% | 4,711 |
| Net loans and leases to core deposits | 62.0166% | 4,611 |
| Total domestic deposits to total assets | 86.6431% | 1,900 |
| Equity capital to assets | 9.5904% | 4,003 |
| Core capital (leverage) ratio | 9.3754% | 4,307 |
| Tier 1 risk-based capital ratio | 17.0677% | 2,081 |
| Total risk-based capital ratio | 18.3528% | 2,006 |
| Memoranda: | ||
| Average total assets | $36,702,250,000 | 52 |
| Average earning assets | $33,728,000,000 | 51 |
| Average equity | $3,675,250,000 | 61 |
| Average total loans | $18,454,750,000 | 66 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4744% | 2,168 |
| Cost of funding earning assets | 0.3553% | 4,039 |
| Net interest margin | 4.1191% | 1,490 |
| Noninterest income to average assets | 1.5966% | 388 |
| Noninterest expense to average assets | 2.9170% | 2,306 |
| Loan and lease loss provision to assets | 0.5690% | 184 |
| Net operating income to assets | 1.9557% | 417 |
| Return on assets (ROA) | 1.9557% | 415 |
| Pretax return on assets | 1.8894% | 790 |
| Return on Equity (ROE) | 19.2444% | 315 |
| Retained earnings to average equity (ytd only) | 0.4349% | 4,881 |
| Net charge-offs to loans | 0.9624% | 140 |
| Credit loss provision to net charge-offs | 118.3908% | 1,810 |
| Earnings coverage of net charge-offs (x) | 5.1149% | 2,737 |
| Efficiency ratio | 54.0596% | 4,688 |
| Assets per employee ($millions) | 5.6572% | 1,752 |
| Cash dividends to net income (ytd only)* | 97.7401% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1840% | 117 |
| Loan loss allowance to noncurrent loans | 33.8710% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 4.8787% | 97 |
| Noncurrent loans to loans | 9.4003% | 33 |
| Net loans and leases to total assets | 45.6643% | 4,840 |
| Net loans and leases to deposits | 52.6604% | 4,893 |
| Net loans and leases to core deposits | 56.6989% | 4,841 |
| Total domestic deposits to total assets | 85.5943% | 2,459 |
| Equity capital to assets | 9.5852% | 4,019 |
| Core capital (leverage) ratio | 9.4329% | 4,195 |
| Tier 1 risk-based capital ratio | 18.3608% | 1,709 |
| Total risk-based capital ratio | 19.6559% | 1,660 |
| Memoranda: | ||
| Average total assets | $36,201,333,330 | 52 |
| Average earning assets | $33,211,000,000 | 51 |
| Average equity | $3,679,000,000 | 63 |
| Average total loans | $18,080,333,330 | 67 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 2,081 |
| Cost of funding earning assets | 0.3457% | 4,024 |
| Net interest margin | 4.0871% | 1,470 |
| Noninterest income to average assets | 0.9598% | 1,001 |
| Noninterest expense to average assets | 2.8794% | 2,447 |
| Loan and lease loss provision to assets | 0.6549% | 152 |
| Net operating income to assets | 0.9259% | 3,179 |
| Return on assets (ROA) | 0.9259% | 3,197 |
| Pretax return on assets | 1.1631% | 2,919 |
| Return on Equity (ROE) | 8.8435% | 2,986 |
| Retained earnings to average equity (ytd only) | 6.3630% | 2,559 |
| Net charge-offs to loans | 0.9222% | 149 |
| Credit loss provision to net charge-offs | 138.0952% | 1,285 |
| Earnings coverage of net charge-offs (x) | 3.8333% | 2,355 |
| Efficiency ratio | 61.0577% | 3,935 |
| Assets per employee ($millions) | 5.5039% | 1,938 |
| Cash dividends to net income (ytd only)* | 28.0484% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1467% | 131 |
| Loan loss allowance to noncurrent loans | 30.0318% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 5.7970% | 75 |
| Noncurrent loans to loans | 10.4778% | 22 |
| Net loans and leases to total assets | 48.3140% | 4,678 |
| Net loans and leases to deposits | 56.6458% | 4,666 |
| Net loans and leases to core deposits | 61.2716% | 4,597 |
| Total domestic deposits to total assets | 84.3973% | 3,147 |
| Equity capital to assets | 10.2265% | 3,362 |
| Core capital (leverage) ratio | 10.5441% | 2,898 |
| Tier 1 risk-based capital ratio | 19.2002% | 1,505 |
| Total risk-based capital ratio | 20.4830% | 1,458 |
| Memoranda: | ||
| Average total assets | $35,424,000,000 | 54 |
| Average earning assets | $32,395,000,000 | 52 |
| Average equity | $3,709,000,000 | 62 |
| Average total loans | $18,216,500,000 | 67 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 1,041 |
| Cost of funding earning assets | 0.3494% | 3,727 |
| Net interest margin | 4.4171% | 734 |
| Noninterest income to average assets | 0.9450% | 1,153 |
| Noninterest expense to average assets | 3.1220% | 1,792 |
| Loan and lease loss provision to assets | 0.7891% | 143 |
| Net operating income to assets | 0.8643% | 2,895 |
| Return on assets (ROA) | 0.8483% | 2,984 |
| Pretax return on assets | 0.9981% | 3,578 |
| Return on Equity (ROE) | 7.3789% | 3,084 |
| Retained earnings to average equity (ytd only) | 2.1703% | 4,021 |
| Net charge-offs to loans | 1.1367% | 145 |
| Credit loss provision to net charge-offs | 126.5000% | 2,082 |
| Earnings coverage of net charge-offs (x) | 2.8950% | 3,680 |
| Efficiency ratio | 63.1013% | 3,757 |
| Assets per employee ($millions) | 5.3334% | 2,119 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9923% | 140 |
| Loan loss allowance to noncurrent loans | 28.7879% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 6.1913% | 60 |
| Noncurrent loans to loans | 10.3943% | 22 |
| Net loans and leases to total assets | 51.4398% | 4,558 |
| Net loans and leases to deposits | 61.3849% | 4,487 |
| Net loans and leases to core deposits | 66.0370% | 4,410 |
| Total domestic deposits to total assets | 82.8486% | 3,610 |
| Equity capital to assets | 10.7240% | 2,920 |
| Core capital (leverage) ratio | 10.6713% | 2,676 |
| Tier 1 risk-based capital ratio | 18.4371% | 1,670 |
| Total risk-based capital ratio | 19.7218% | 1,610 |
| Memoranda: | ||
| Average total assets | $32,062,400,000 | 56 |
| Average earning assets | $28,910,200,000 | 56 |
| Average equity | $3,686,200,000 | 56 |
| Average total loans | $17,595,200,000 | 64 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8340% | 865 |
| Cost of funding earning assets | 0.3493% | 3,675 |
| Net interest margin | 4.4847% | 623 |
| Noninterest income to average assets | 0.9937% | 1,042 |
| Noninterest expense to average assets | 3.1298% | 1,721 |
| Loan and lease loss provision to assets | 0.8451% | 126 |
| Net operating income to assets | 0.8877% | 3,086 |
| Return on assets (ROA) | 0.8663% | 3,244 |
| Pretax return on assets | 1.0277% | 3,576 |
| Return on Equity (ROE) | 7.3977% | 3,448 |
| Retained earnings to average equity (ytd only) | 1.2692% | 4,895 |
| Net charge-offs to loans | 1.0734% | 157 |
| Credit loss provision to net charge-offs | 142.1429% | 1,758 |
| Earnings coverage of net charge-offs (x) | 3.1929% | 3,370 |
| Efficiency ratio | 61.9932% | 3,884 |
| Assets per employee ($millions) | 5.0350% | 2,412 |
| Cash dividends to net income (ytd only)* | 82.8431% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2015% | 129 |
| Loan loss allowance to noncurrent loans | 47.4043% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 4.2984% | 147 |
| Noncurrent loans to loans | 6.7536% | 80 |
| Net loans and leases to total assets | 51.1589% | 4,636 |
| Net loans and leases to deposits | 60.0606% | 4,639 |
| Net loans and leases to core deposits | 64.6984% | 4,576 |
| Total domestic deposits to total assets | 84.4406% | 2,942 |
| Equity capital to assets | 11.3157% | 2,558 |
| Core capital (leverage) ratio | 10.9096% | 2,539 |
| Tier 1 risk-based capital ratio | 18.7858% | 1,647 |
| Total risk-based capital ratio | 20.0722% | 1,594 |
| Memoranda: | ||
| Average total assets | $31,396,500,000 | 56 |
| Average earning assets | $28,243,750,000 | 57 |
| Average equity | $3,676,750,000 | 55 |
| Average total loans | $17,390,500,000 | 64 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8604% | 758 |
| Cost of funding earning assets | 0.3451% | 3,629 |
| Net interest margin | 4.5153% | 550 |
| Noninterest income to average assets | 1.0554% | 908 |
| Noninterest expense to average assets | 3.1273% | 1,777 |
| Loan and lease loss provision to assets | 0.5180% | 221 |
| Net operating income to assets | 1.1306% | 1,854 |
| Return on assets (ROA) | 1.1007% | 2,024 |
| Pretax return on assets | 1.4374% | 1,866 |
| Return on Equity (ROE) | 9.2879% | 2,370 |
| Retained earnings to average equity (ytd only) | 1.3112% | 4,727 |
| Net charge-offs to loans | 1.0697% | 186 |
| Credit loss provision to net charge-offs | 86.0215% | 2,194 |
| Earnings coverage of net charge-offs (x) | 3.3118% | 3,063 |
| Efficiency ratio | 60.6827% | 4,214 |
| Assets per employee ($millions) | 4.8754% | 2,543 |
| Cash dividends to net income (ytd only)* | 85.8824% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7962% | 203 |
| Loan loss allowance to noncurrent loans | 45.8412% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 4.0997% | 162 |
| Noncurrent loans to loans | 6.0997% | 98 |
| Net loans and leases to total assets | 52.8858% | 4,489 |
| Net loans and leases to deposits | 62.3037% | 4,487 |
| Net loans and leases to core deposits | 67.7190% | 4,363 |
| Total domestic deposits to total assets | 83.9931% | 3,196 |
| Equity capital to assets | 11.6154% | 2,219 |
| Core capital (leverage) ratio | 11.0171% | 2,388 |
| Tier 1 risk-based capital ratio | 18.5360% | 1,708 |
| Total risk-based capital ratio | 19.8210% | 1,661 |
| Memoranda: | ||
| Average total assets | $30,889,000,000 | 56 |
| Average earning assets | $27,816,666,670 | 57 |
| Average equity | $3,660,666,670 | 54 |
| Average total loans | $17,388,000,000 | 64 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 655 |
| Cost of funding earning assets | 0.3515% | 3,511 |
| Net interest margin | 4.5253% | 500 |
| Noninterest income to average assets | 0.9871% | 1,030 |
| Noninterest expense to average assets | 3.1849% | 1,654 |
| Loan and lease loss provision to assets | 0.3948% | 287 |
| Net operating income to assets | 1.1187% | 1,798 |
| Return on assets (ROA) | 1.1187% | 1,836 |
| Pretax return on assets | 1.4740% | 1,627 |
| Return on Equity (ROE) | 9.3419% | 2,257 |
| Retained earnings to average equity (ytd only) | -4.1764% | 5,339 |
| Net charge-offs to loans | 0.7746% | 217 |
| Credit loss provision to net charge-offs | 88.2353% | 1,703 |
| Earnings coverage of net charge-offs (x) | 4.1765% | 2,413 |
| Efficiency ratio | 62.7604% | 4,024 |
| Assets per employee ($millions) | 4.7353% | 2,786 |
| Cash dividends to net income (ytd only)* | 144.7059% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8533% | 209 |
| Loan loss allowance to noncurrent loans | 44.3447% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 4.4038% | 155 |
| Noncurrent loans to loans | 6.4345% | 95 |
| Net loans and leases to total assets | 54.1030% | 4,330 |
| Net loans and leases to deposits | 64.0187% | 4,308 |
| Net loans and leases to core deposits | 70.8855% | 4,081 |
| Total domestic deposits to total assets | 83.6234% | 3,613 |
| Equity capital to assets | 11.6480% | 2,082 |
| Core capital (leverage) ratio | 11.1898% | 2,196 |
| Tier 1 risk-based capital ratio | 18.1026% | 1,837 |
| Total risk-based capital ratio | 19.3880% | 1,792 |
| Memoranda: | ||
| Average total assets | $30,393,500,000 | 56 |
| Average earning assets | $27,313,000,000 | 57 |
| Average equity | $3,639,500,000 | 53 |
| Average total loans | $17,558,000,000 | 61 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 452 |
| Cost of funding earning assets | 0.3933% | 3,060 |
| Net interest margin | 4.7581% | 378 |
| Noninterest income to average assets | 0.5807% | 2,756 |
| Noninterest expense to average assets | 3.4633% | 1,226 |
| Loan and lease loss provision to assets | 0.5357% | 257 |
| Net operating income to assets | 0.6360% | 4,066 |
| Return on assets (ROA) | 0.6360% | 4,177 |
| Pretax return on assets | 0.8053% | 4,173 |
| Return on Equity (ROE) | 4.9484% | 4,460 |
| Retained earnings to average equity (ytd only) | 2.8238% | 3,889 |
| Net charge-offs to loans | 0.8911% | 214 |
| Credit loss provision to net charge-offs | 96.2733% | 2,675 |
| Earnings coverage of net charge-offs (x) | 2.4099% | 3,837 |
| Efficiency ratio | 71.5827% | 2,652 |
| Assets per employee ($millions) | 4.5254% | 3,083 |
| Cash dividends to net income (ytd only)* | 42.9348% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7973% | 224 |
| Loan loss allowance to noncurrent loans | 43.4934% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 4.6768% | 144 |
| Noncurrent loans to loans | 6.4315% | 87 |
| Net loans and leases to total assets | 58.2660% | 4,041 |
| Net loans and leases to deposits | 69.7529% | 3,930 |
| Net loans and leases to core deposits | 77.5765% | 3,598 |
| Total domestic deposits to total assets | 82.5556% | 3,916 |
| Equity capital to assets | 12.3165% | 1,625 |
| Core capital (leverage) ratio | 11.5355% | 1,904 |
| Tier 1 risk-based capital ratio | 18.2450% | 1,791 |
| Total risk-based capital ratio | 19.5244% | 1,746 |
| Memoranda: | ||
| Average total assets | $28,931,600,000 | 58 |
| Average earning assets | $25,682,600,000 | 58 |
| Average equity | $3,718,400,000 | 50 |
| Average total loans | $18,068,200,000 | 57 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 428 |
| Cost of funding earning assets | 0.3927% | 3,097 |
| Net interest margin | 4.8011% | 364 |
| Noninterest income to average assets | 0.9650% | 1,224 |
| Noninterest expense to average assets | 3.4562% | 1,231 |
| Loan and lease loss provision to assets | 0.5428% | 218 |
| Net operating income to assets | 0.9418% | 2,692 |
| Return on assets (ROA) | 0.9418% | 2,825 |
| Pretax return on assets | 1.2201% | 2,750 |
| Return on Equity (ROE) | 7.2495% | 3,427 |
| Retained earnings to average equity (ytd only) | 5.1425% | 2,729 |
| Net charge-offs to loans | 0.7867% | 230 |
| Credit loss provision to net charge-offs | 109.3458% | 2,230 |
| Earnings coverage of net charge-offs (x) | 3.5514% | 3,398 |
| Efficiency ratio | 65.6889% | 3,645 |
| Assets per employee ($millions) | 4.5790% | 2,955 |
| Cash dividends to net income (ytd only)* | 29.0640% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8665% | 220 |
| Loan loss allowance to noncurrent loans | 43.7075% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 4.7222% | 157 |
| Noncurrent loans to loans | 6.5585% | 98 |
| Net loans and leases to total assets | 57.5959% | 4,129 |
| Net loans and leases to deposits | 69.9197% | 3,998 |
| Net loans and leases to core deposits | 77.7961% | 3,684 |
| Total domestic deposits to total assets | 81.3823% | 4,139 |
| Equity capital to assets | 12.6290% | 1,688 |
| Core capital (leverage) ratio | 11.9526% | 1,709 |
| Tier 1 risk-based capital ratio | 18.4371% | 1,802 |
| Total risk-based capital ratio | 19.7203% | 1,759 |
| Memoranda: | ||
| Average total assets | $28,739,500,000 | 59 |
| Average earning assets | $25,465,500,000 | 60 |
| Average equity | $3,733,500,000 | 50 |
| Average total loans | $18,134,500,000 | 56 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3178% | 345 |
| Cost of funding earning assets | 0.4010% | 3,034 |
| Net interest margin | 4.9167% | 308 |
| Noninterest income to average assets | 1.1686% | 821 |
| Noninterest expense to average assets | 3.4633% | 1,237 |
| Loan and lease loss provision to assets | 0.5666% | 208 |
| Net operating income to assets | 1.1332% | 1,837 |
| Return on assets (ROA) | 1.1332% | 1,951 |
| Pretax return on assets | 1.4802% | 1,740 |
| Return on Equity (ROE) | 8.6370% | 2,676 |
| Retained earnings to average equity (ytd only) | 6.5317% | 1,860 |
| Net charge-offs to loans | 0.8021% | 251 |
| Credit loss provision to net charge-offs | 109.5890% | 1,967 |
| Earnings coverage of net charge-offs (x) | 3.9589% | 3,040 |
| Efficiency ratio | 62.3393% | 4,292 |
| Assets per employee ($millions) | 4.4092% | 3,200 |
| Cash dividends to net income (ytd only)* | 24.3750% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8323% | 243 |
| Loan loss allowance to noncurrent loans | 42.3013% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 4.9830% | 153 |
| Noncurrent loans to loans | 6.6955% | 96 |
| Net loans and leases to total assets | 60.3705% | 3,830 |
| Net loans and leases to deposits | 74.1645% | 3,576 |
| Net loans and leases to core deposits | 83.3539% | 3,139 |
| Total domestic deposits to total assets | 80.2541% | 4,485 |
| Equity capital to assets | 13.0962% | 1,446 |
| Core capital (leverage) ratio | 12.0284% | 1,607 |
| Tier 1 risk-based capital ratio | 17.8710% | 1,970 |
| Total risk-based capital ratio | 19.1531% | 1,917 |
| Memoranda: | ||
| Average total assets | $28,239,333,330 | 59 |
| Average earning assets | $24,935,333,330 | 60 |
| Average equity | $3,705,000,000 | 50 |
| Average total loans | $18,202,333,330 | 55 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3648% | 309 |
| Cost of funding earning assets | 0.4077% | 2,988 |
| Net interest margin | 4.9571% | 275 |
| Noninterest income to average assets | 1.2213% | 723 |
| Noninterest expense to average assets | 3.4771% | 1,225 |
| Loan and lease loss provision to assets | 0.5891% | 187 |
| Net operating income to assets | 1.1638% | 1,664 |
| Return on assets (ROA) | 1.1638% | 1,771 |
| Pretax return on assets | 1.5230% | 1,521 |
| Return on Equity (ROE) | 8.8621% | 2,493 |
| Retained earnings to average equity (ytd only) | 6.7834% | 1,985 |
| Net charge-offs to loans | 0.9189% | 212 |
| Credit loss provision to net charge-offs | 97.6190% | 1,698 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,534 |
| Efficiency ratio | 61.6967% | 4,487 |
| Assets per employee ($millions) | 4.2471% | 3,501 |
| Cash dividends to net income (ytd only)* | 23.4568% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7563% | 289 |
| Loan loss allowance to noncurrent loans | 38.1929% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 5.4889% | 144 |
| Noncurrent loans to loans | 7.2168% | 91 |
| Net loans and leases to total assets | 63.5397% | 3,313 |
| Net loans and leases to deposits | 78.8116% | 2,915 |
| Net loans and leases to core deposits | 88.7123% | 2,486 |
| Total domestic deposits to total assets | 79.6591% | 4,826 |
| Equity capital to assets | 13.2980% | 1,271 |
| Core capital (leverage) ratio | 12.3286% | 1,420 |
| Tier 1 risk-based capital ratio | 17.2287% | 2,200 |
| Total risk-based capital ratio | 18.5099% | 2,161 |
| Memoranda: | ||
| Average total assets | $27,839,500,000 | 59 |
| Average earning assets | $24,530,500,000 | 60 |
| Average equity | $3,656,000,000 | 51 |
| Average total loans | $18,282,500,000 | 56 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4415% | 293 |
| Cost of funding earning assets | 0.4296% | 2,850 |
| Net interest margin | 5.0119% | 248 |
| Noninterest income to average assets | 1.3253% | 684 |
| Noninterest expense to average assets | 3.5483% | 1,219 |
| Loan and lease loss provision to assets | 0.8586% | 102 |
| Net operating income to assets | 0.9694% | 2,525 |
| Return on assets (ROA) | 0.9369% | 2,758 |
| Pretax return on assets | 1.2398% | 2,507 |
| Return on Equity (ROE) | 7.4712% | 3,263 |
| Retained earnings to average equity (ytd only) | 6.4769% | 1,555 |
| Net charge-offs to loans | 1.6518% | 91 |
| Credit loss provision to net charge-offs | 78.2468% | 2,982 |
| Earnings coverage of net charge-offs (x) | 1.9513% | 4,002 |
| Efficiency ratio | 61.9286% | 4,617 |
| Assets per employee ($millions) | 4.2148% | 3,543 |
| Cash dividends to net income (ytd only)* | 13.3080% | 4,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7517% | 302 |
| Loan loss allowance to noncurrent loans | 37.4443% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 5.5640% | 151 |
| Noncurrent loans to loans | 7.3488% | 93 |
| Net loans and leases to total assets | 64.1874% | 3,246 |
| Net loans and leases to deposits | 79.4895% | 2,882 |
| Net loans and leases to core deposits | 90.9843% | 2,320 |
| Total domestic deposits to total assets | 79.7622% | 4,810 |
| Equity capital to assets | 12.9658% | 1,364 |
| Core capital (leverage) ratio | 12.2053% | 1,499 |
| Tier 1 risk-based capital ratio | 16.9821% | 2,294 |
| Total risk-based capital ratio | 18.2659% | 2,225 |
| Memoranda: | ||
| Average total assets | $28,070,000,000 | 57 |
| Average earning assets | $24,441,800,000 | 57 |
| Average equity | $3,520,200,000 | 51 |
| Average total loans | $18,646,800,000 | 54 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4519% | 291 |
| Cost of funding earning assets | 0.4307% | 2,900 |
| Net interest margin | 5.0212% | 241 |
| Noninterest income to average assets | 1.3025% | 710 |
| Noninterest expense to average assets | 3.5334% | 1,223 |
| Loan and lease loss provision to assets | 0.8715% | 76 |
| Net operating income to assets | 0.9526% | 2,702 |
| Return on assets (ROA) | 0.9094% | 3,013 |
| Pretax return on assets | 1.2030% | 2,809 |
| Return on Equity (ROE) | 7.3125% | 3,459 |
| Retained earnings to average equity (ytd only) | 6.6651% | 1,855 |
| Net charge-offs to loans | 1.5376% | 89 |
| Credit loss provision to net charge-offs | 85.1852% | 2,537 |
| Earnings coverage of net charge-offs (x) | 2.0833% | 3,733 |
| Efficiency ratio | 61.8729% | 4,594 |
| Assets per employee ($millions) | 4.1825% | 3,559 |
| Cash dividends to net income (ytd only)* | 8.8542% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8988% | 271 |
| Loan loss allowance to noncurrent loans | 37.6134% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 5.8670% | 144 |
| Noncurrent loans to loans | 7.7068% | 78 |
| Net loans and leases to total assets | 65.3078% | 3,111 |
| Net loans and leases to deposits | 81.7301% | 2,677 |
| Net loans and leases to core deposits | 93.5541% | 2,120 |
| Total domestic deposits to total assets | 78.9952% | 4,980 |
| Equity capital to assets | 13.0037% | 1,444 |
| Core capital (leverage) ratio | 11.8600% | 1,770 |
| Tier 1 risk-based capital ratio | 16.6239% | 2,513 |
| Total risk-based capital ratio | 17.9080% | 2,459 |
| Memoranda: | ||
| Average total assets | $28,150,000,000 | 56 |
| Average earning assets | $24,455,750,000 | 56 |
| Average equity | $3,500,750,000 | 49 |
| Average total loans | $18,729,500,000 | 51 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4738% | 275 |
| Cost of funding earning assets | 0.4242% | 2,998 |
| Net interest margin | 5.0496% | 228 |
| Noninterest income to average assets | 1.2006% | 840 |
| Noninterest expense to average assets | 3.4678% | 1,351 |
| Loan and lease loss provision to assets | 0.8334% | 94 |
| Net operating income to assets | 0.9588% | 2,593 |
| Return on assets (ROA) | 0.8899% | 3,059 |
| Pretax return on assets | 1.1795% | 2,860 |
| Return on Equity (ROE) | 7.2636% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.2636% | 1,587 |
| Net charge-offs to loans | 1.8003% | 83 |
| Credit loss provision to net charge-offs | 69.8225% | 2,465 |
| Earnings coverage of net charge-offs (x) | 1.7633% | 3,454 |
| Efficiency ratio | 61.7237% | 4,718 |
| Assets per employee ($millions) | 4.5009% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7754% | 345 |
| Loan loss allowance to noncurrent loans | 37.3295% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 5.3347% | 192 |
| Noncurrent loans to loans | 7.4349% | 103 |
| Net loans and leases to total assets | 62.0542% | 3,542 |
| Net loans and leases to deposits | 78.8367% | 2,921 |
| Net loans and leases to core deposits | 93.7375% | 1,986 |
| Total domestic deposits to total assets | 77.7108% | 5,335 |
| Equity capital to assets | 12.0082% | 2,023 |
| Core capital (leverage) ratio | 11.4971% | 1,993 |
| Tier 1 risk-based capital ratio | 16.0512% | 2,830 |
| Total risk-based capital ratio | 17.3393% | 2,767 |
| Memoranda: | ||
| Average total assets | $28,318,000,000 | 55 |
| Average earning assets | $24,516,666,670 | 57 |
| Average equity | $3,469,333,330 | 49 |
| Average total loans | $18,774,666,670 | 51 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 255 |
| Cost of funding earning assets | 0.4325% | 2,951 |
| Net interest margin | 5.0731% | 217 |
| Noninterest income to average assets | 1.2087% | 777 |
| Noninterest expense to average assets | 3.3957% | 1,497 |
| Loan and lease loss provision to assets | 0.6043% | 156 |
| Net operating income to assets | 1.1511% | 1,696 |
| Return on assets (ROA) | 1.1511% | 1,801 |
| Pretax return on assets | 1.5972% | 1,273 |
| Return on Equity (ROE) | 9.2983% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.2983% | 1,102 |
| Net charge-offs to loans | 1.1919% | 183 |
| Credit loss provision to net charge-offs | 75.0000% | 1,875 |
| Earnings coverage of net charge-offs (x) | 2.7321% | 2,708 |
| Efficiency ratio | 60.1542% | 5,074 |
| Assets per employee ($millions) | 4.1460% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9127% | 323 |
| Loan loss allowance to noncurrent loans | 35.0314% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 6.4193% | 154 |
| Noncurrent loans to loans | 8.3146% | 91 |
| Net loans and leases to total assets | 65.1256% | 2,917 |
| Net loans and leases to deposits | 82.3728% | 2,291 |
| Net loans and leases to core deposits | 96.9706% | 1,552 |
| Total domestic deposits to total assets | 78.1360% | 5,420 |
| Equity capital to assets | 12.2527% | 1,855 |
| Core capital (leverage) ratio | 11.8211% | 1,761 |
| Tier 1 risk-based capital ratio | 16.4268% | 2,722 |
| Total risk-based capital ratio | 17.7240% | 2,635 |
| Memoranda: | ||
| Average total assets | $27,799,500,000 | 56 |
| Average earning assets | $24,048,500,000 | 57 |
| Average equity | $3,441,500,000 | 49 |
| Average total loans | $18,794,000,000 | 51 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9800% | 157 |
| Cost of funding earning assets | 0.4454% | 3,218 |
| Net interest margin | 5.5346% | 129 |
| Noninterest income to average assets | 0.8676% | 1,617 |
| Noninterest expense to average assets | 3.4928% | 1,500 |
| Loan and lease loss provision to assets | 1.0716% | 94 |
| Net operating income to assets | 0.8639% | 3,044 |
| Return on assets (ROA) | 0.8639% | 3,141 |
| Pretax return on assets | 1.0493% | 3,307 |
| Return on Equity (ROE) | 7.0576% | 3,590 |
| Retained earnings to average equity (ytd only) | 7.0576% | 1,380 |
| Net charge-offs to loans | 1.3269% | 193 |
| Credit loss provision to net charge-offs | 117.0040% | 2,042 |
| Earnings coverage of net charge-offs (x) | 2.3158% | 4,191 |
| Efficiency ratio | 61.7569% | 4,945 |
| Assets per employee ($millions) | 4.3189% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0923% | 270 |
| Loan loss allowance to noncurrent loans | 35.3560% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 6.8924% | 151 |
| Noncurrent loans to loans | 8.7463% | 90 |
| Net loans and leases to total assets | 66.0588% | 2,870 |
| Net loans and leases to deposits | 83.3830% | 2,285 |
| Net loans and leases to core deposits | 100.3252% | 1,376 |
| Total domestic deposits to total assets | 78.1970% | 5,395 |
| Equity capital to assets | 12.5295% | 1,630 |
| Core capital (leverage) ratio | 10.6594% | 2,772 |
| Tier 1 risk-based capital ratio | 15.7621% | 3,091 |
| Total risk-based capital ratio | 17.0432% | 3,012 |
| Memoranda: | ||
| Average total assets | $26,969,600,000 | 53 |
| Average earning assets | $23,127,200,000 | 56 |
| Average equity | $3,301,400,000 | 47 |
| Average total loans | $18,614,200,000 | 47 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0677% | 143 |
| Cost of funding earning assets | 0.4454% | 3,307 |
| Net interest margin | 5.6223% | 115 |
| Noninterest income to average assets | 0.8562% | 1,673 |
| Noninterest expense to average assets | 3.4694% | 1,529 |
| Loan and lease loss provision to assets | 1.1927% | 79 |
| Net operating income to assets | 0.8265% | 3,305 |
| Return on assets (ROA) | 0.8265% | 3,394 |
| Pretax return on assets | 1.0047% | 3,571 |
| Return on Equity (ROE) | 6.7921% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.7921% | 1,926 |
| Net charge-offs to loans | 1.3654% | 188 |
| Credit loss provision to net charge-offs | 126.1780% | 1,826 |
| Earnings coverage of net charge-offs (x) | 2.3246% | 3,945 |
| Efficiency ratio | 60.7860% | 5,077 |
| Assets per employee ($millions) | 4.2598% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1382% | 312 |
| Loan loss allowance to noncurrent loans | 36.1423% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 7.0574% | 168 |
| Noncurrent loans to loans | 8.6829% | 101 |
| Net loans and leases to total assets | 67.4810% | 2,616 |
| Net loans and leases to deposits | 85.0312% | 2,023 |
| Net loans and leases to core deposits | 101.7247% | 1,231 |
| Total domestic deposits to total assets | 78.4163% | 5,448 |
| Equity capital to assets | 12.8913% | 1,482 |
| Core capital (leverage) ratio | 10.3265% | 3,255 |
| Tier 1 risk-based capital ratio | 15.1000% | 3,534 |
| Total risk-based capital ratio | 16.3886% | 3,445 |
| Memoranda: | ||
| Average total assets | $26,940,000,000 | 53 |
| Average earning assets | $23,050,500,000 | 57 |
| Average equity | $3,278,250,000 | 49 |
| Average total loans | $18,651,500,000 | 48 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1223% | 133 |
| Cost of funding earning assets | 0.4490% | 3,336 |
| Net interest margin | 5.6732% | 106 |
| Noninterest income to average assets | 0.7013% | 2,271 |
| Noninterest expense to average assets | 3.3958% | 1,688 |
| Loan and lease loss provision to assets | 1.2254% | 75 |
| Net operating income to assets | 0.8563% | 3,037 |
| Return on assets (ROA) | 0.8563% | 3,138 |
| Pretax return on assets | 0.9302% | 3,763 |
| Return on Equity (ROE) | 7.1760% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.1760% | 1,681 |
| Net charge-offs to loans | 1.3890% | 208 |
| Credit loss provision to net charge-offs | 127.6923% | 1,629 |
| Earnings coverage of net charge-offs (x) | 2.2462% | 3,592 |
| Efficiency ratio | 60.7713% | 5,178 |
| Assets per employee ($millions) | 4.3822% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0448% | 365 |
| Loan loss allowance to noncurrent loans | 34.8550% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 6.9488% | 190 |
| Noncurrent loans to loans | 8.7357% | 104 |
| Net loans and leases to total assets | 65.8673% | 2,764 |
| Net loans and leases to deposits | 84.9674% | 1,932 |
| Net loans and leases to core deposits | 101.7821% | 1,149 |
| Total domestic deposits to total assets | 76.5578% | 5,853 |
| Equity capital to assets | 12.3490% | 1,743 |
| Core capital (leverage) ratio | 9.8779% | 3,774 |
| Tier 1 risk-based capital ratio | 14.5729% | 3,884 |
| Total risk-based capital ratio | 15.8507% | 3,817 |
| Memoranda: | ||
| Average total assets | $27,092,333,330 | 54 |
| Average earning assets | $23,161,333,330 | 56 |
| Average equity | $3,233,000,000 | 50 |
| Average total loans | $18,718,666,670 | 47 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1167% | 123 |
| Cost of funding earning assets | 0.4518% | 3,408 |
| Net interest margin | 5.6649% | 103 |
| Noninterest income to average assets | 0.9636% | 1,218 |
| Noninterest expense to average assets | 3.4394% | 1,610 |
| Loan and lease loss provision to assets | 1.1860% | 95 |
| Net operating income to assets | 0.8154% | 3,079 |
| Return on assets (ROA) | 0.8154% | 3,151 |
| Pretax return on assets | 1.1712% | 2,608 |
| Return on Equity (ROE) | 6.9554% | 3,499 |
| Retained earnings to average equity (ytd only) | 6.9554% | 2,070 |
| Net charge-offs to loans | 1.6170% | 194 |
| Credit loss provision to net charge-offs | 105.2632% | 1,588 |
| Earnings coverage of net charge-offs (x) | 2.0921% | 2,954 |
| Efficiency ratio | 58.8235% | 5,564 |
| Assets per employee ($millions) | 4.4201% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8372% | 517 |
| Loan loss allowance to noncurrent loans | 32.1860% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 7.0438% | 219 |
| Noncurrent loans to loans | 8.8151% | 136 |
| Net loans and leases to total assets | 66.6168% | 2,462 |
| Net loans and leases to deposits | 85.8359% | 1,624 |
| Net loans and leases to core deposits | 101.9379% | 990 |
| Total domestic deposits to total assets | 76.7701% | 5,991 |
| Equity capital to assets | 11.6715% | 2,121 |
| Core capital (leverage) ratio | 9.3806% | 4,457 |
| Tier 1 risk-based capital ratio | 13.6822% | 4,550 |
| Total risk-based capital ratio | 14.9591% | 4,491 |
| Memoranda: | ||
| Average total assets | $26,981,500,000 | 52 |
| Average earning assets | $23,019,000,000 | 55 |
| Average equity | $3,163,000,000 | 51 |
| Average total loans | $18,800,000,000 | 47 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0793% | 153 |
| Cost of funding earning assets | 0.5802% | 2,835 |
| Net interest margin | 5.4990% | 138 |
| Noninterest income to average assets | 0.6322% | 2,902 |
| Noninterest expense to average assets | 3.4568% | 1,758 |
| Loan and lease loss provision to assets | 2.2811% | 39 |
| Net operating income to assets | 0.4806% | 4,815 |
| Return on assets (ROA) | 0.4806% | 4,959 |
| Pretax return on assets | -0.4806% | 6,476 |
| Return on Equity (ROE) | 4.5794% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.5794% | 2,901 |
| Net charge-offs to loans | 3.3664% | 61 |
| Credit loss provision to net charge-offs | 96.1059% | 2,602 |
| Earnings coverage of net charge-offs (x) | 0.7586% | 4,838 |
| Efficiency ratio | 65.2602% | 4,689 |
| Assets per employee ($millions) | 4.2899% | 3,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8117% | 587 |
| Loan loss allowance to noncurrent loans | 32.0606% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 7.2657% | 226 |
| Noncurrent loans to loans | 8.7701% | 154 |
| Net loans and leases to total assets | 68.8364% | 2,204 |
| Net loans and leases to deposits | 88.0272% | 1,462 |
| Net loans and leases to core deposits | 105.0862% | 848 |
| Total domestic deposits to total assets | 77.3557% | 5,922 |
| Equity capital to assets | 11.7758% | 1,965 |
| Core capital (leverage) ratio | 9.2101% | 4,707 |
| Tier 1 risk-based capital ratio | 13.4767% | 4,667 |
| Total risk-based capital ratio | 14.7559% | 4,593 |
| Memoranda: | ||
| Average total assets | $27,048,400,000 | 52 |
| Average earning assets | $22,749,400,000 | 52 |
| Average equity | $2,838,800,000 | 55 |
| Average total loans | $19,070,600,000 | 45 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9840% | 186 |
| Cost of funding earning assets | 0.5961% | 2,847 |
| Net interest margin | 5.3880% | 165 |
| Noninterest income to average assets | 0.6183% | 3,046 |
| Noninterest expense to average assets | 3.4106% | 1,802 |
| Loan and lease loss provision to assets | 2.6794% | 23 |
| Net operating income to assets | 0.4122% | 5,202 |
| Return on assets (ROA) | 0.4122% | 5,337 |
| Pretax return on assets | -0.9471% | 6,687 |
| Return on Equity (ROE) | 4.0483% | 5,203 |
| Retained earnings to average equity (ytd only) | 4.0483% | 3,813 |
| Net charge-offs to loans | 4.0693% | 43 |
| Credit loss provision to net charge-offs | 93.4932% | 2,547 |
| Earnings coverage of net charge-offs (x) | 0.6045% | 4,656 |
| Efficiency ratio | 65.8397% | 4,515 |
| Assets per employee ($millions) | 4.2832% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7623% | 697 |
| Loan loss allowance to noncurrent loans | 29.4689% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 7.5787% | 253 |
| Noncurrent loans to loans | 9.3737% | 157 |
| Net loans and leases to total assets | 68.0810% | 2,280 |
| Net loans and leases to deposits | 88.8867% | 1,281 |
| Net loans and leases to core deposits | 105.3841% | 793 |
| Total domestic deposits to total assets | 75.8096% | 6,192 |
| Equity capital to assets | 10.5172% | 3,254 |
| Core capital (leverage) ratio | 8.2081% | 6,051 |
| Tier 1 risk-based capital ratio | 12.2124% | 5,637 |
| Total risk-based capital ratio | 14.5459% | 4,845 |
| Memoranda: | ||
| Average total assets | $27,169,750,000 | 52 |
| Average earning assets | $22,815,750,000 | 52 |
| Average equity | $2,766,500,000 | 55 |
| Average total loans | $19,134,750,000 | 45 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9599% | 192 |
| Cost of funding earning assets | 0.5995% | 2,947 |
| Net interest margin | 5.3604% | 165 |
| Noninterest income to average assets | 0.3512% | 4,880 |
| Noninterest expense to average assets | 3.3439% | 1,955 |
| Loan and lease loss provision to assets | 3.4976% | 12 |
| Net operating income to assets | 0.2195% | 5,841 |
| Return on assets (ROA) | 0.2195% | 5,970 |
| Pretax return on assets | -1.9756% | 6,842 |
| Return on Equity (ROE) | 2.1792% | 5,895 |
| Retained earnings to average equity (ytd only) | 2.1792% | 4,892 |
| Net charge-offs to loans | 5.5169% | 28 |
| Credit loss provision to net charge-offs | 89.8496% | 2,443 |
| Earnings coverage of net charge-offs (x) | 0.3910% | 4,408 |
| Efficiency ratio | 68.2707% | 4,136 |
| Assets per employee ($millions) | 4.3929% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6212% | 859 |
| Loan loss allowance to noncurrent loans | 29.8864% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 7.2874% | 320 |
| Noncurrent loans to loans | 8.7706% | 211 |
| Net loans and leases to total assets | 68.0902% | 2,213 |
| Net loans and leases to deposits | 89.5094% | 1,190 |
| Net loans and leases to core deposits | 106.7774% | 703 |
| Total domestic deposits to total assets | 75.0990% | 6,346 |
| Equity capital to assets | 10.1650% | 3,707 |
| Core capital (leverage) ratio | 7.8802% | 6,261 |
| Tier 1 risk-based capital ratio | 11.7251% | 5,974 |
| Total risk-based capital ratio | 14.0464% | 5,226 |
| Memoranda: | ||
| Average total assets | $27,333,000,000 | 52 |
| Average earning assets | $23,020,666,670 | 52 |
| Average equity | $2,753,333,330 | 55 |
| Average total loans | $19,286,333,330 | 45 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8473% | 216 |
| Cost of funding earning assets | 0.6210% | 2,915 |
| Net interest margin | 5.2264% | 190 |
| Noninterest income to average assets | -0.5263% | 6,987 |
| Noninterest expense to average assets | 3.2311% | 2,262 |
| Loan and lease loss provision to assets | 3.2457% | 24 |
| Net operating income to assets | -1.7398% | 6,903 |
| Return on assets (ROA) | -1.7398% | 6,906 |
| Pretax return on assets | -2.5731% | 6,943 |
| Return on Equity (ROE) | -17.3501% | 6,883 |
| Retained earnings to average equity (ytd only) | -17.3501% | 6,801 |
| Net charge-offs to loans | 5.1980% | 41 |
| Credit loss provision to net charge-offs | 88.0952% | 2,054 |
| Earnings coverage of net charge-offs (x) | 0.1825% | 3,756 |
| Efficiency ratio | 82.0225% | 2,034 |
| Assets per employee ($millions) | 4.4265% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6905% | 922 |
| Loan loss allowance to noncurrent loans | 23.2682% | 6,248 |
| Noncurrent assets plus other real estate owned to assets | 9.2568% | 228 |
| Noncurrent loans to loans | 11.5629% | 147 |
| Net loans and leases to total assets | 68.8788% | 1,864 |
| Net loans and leases to deposits | 90.3853% | 934 |
| Net loans and leases to core deposits | 110.0325% | 497 |
| Total domestic deposits to total assets | 75.3734% | 6,421 |
| Equity capital to assets | 9.7292% | 4,521 |
| Core capital (leverage) ratio | 8.0928% | 6,055 |
| Tier 1 risk-based capital ratio | 11.8608% | 5,989 |
| Total risk-based capital ratio | 14.1683% | 5,238 |
| Memoranda: | ||
| Average total assets | $27,359,500,000 | 52 |
| Average earning assets | $23,190,000,000 | 52 |
| Average equity | $2,743,500,000 | 55 |
| Average total loans | $19,392,000,000 | 44 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9590% | 278 |
| Cost of funding earning assets | 0.7742% | 2,874 |
| Net interest margin | 5.1848% | 276 |
| Noninterest income to average assets | 1.0631% | 1,370 |
| Noninterest expense to average assets | 3.3858% | 2,088 |
| Loan and lease loss provision to assets | 1.2997% | 267 |
| Net operating income to assets | 0.8628% | 2,991 |
| Return on assets (ROA) | 0.8628% | 3,230 |
| Pretax return on assets | 0.7172% | 4,609 |
| Return on Equity (ROE) | 8.6775% | 2,802 |
| Retained earnings to average equity (ytd only) | 8.6775% | 919 |
| Net charge-offs to loans | 1.9694% | 369 |
| Credit loss provision to net charge-offs | 93.7008% | 3,325 |
| Earnings coverage of net charge-offs (x) | 1.4541% | 4,718 |
| Efficiency ratio | 62.1968% | 5,203 |
| Assets per employee ($millions) | 4.4112% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8693% | 761 |
| Loan loss allowance to noncurrent loans | 20.0145% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 11.5240% | 159 |
| Noncurrent loans to loans | 14.3360% | 90 |
| Net loans and leases to total assets | 68.9384% | 2,048 |
| Net loans and leases to deposits | 89.2155% | 1,142 |
| Net loans and leases to core deposits | 108.7314% | 578 |
| Total domestic deposits to total assets | 76.3638% | 6,309 |
| Equity capital to assets | 10.3294% | 3,719 |
| Core capital (leverage) ratio | 8.6500% | 5,395 |
| Tier 1 risk-based capital ratio | 12.9300% | 5,164 |
| Total risk-based capital ratio | 15.2526% | 4,344 |
| Memoranda: | ||
| Average total assets | $27,467,400,000 | 49 |
| Average earning assets | $22,990,400,000 | 52 |
| Average equity | $2,731,200,000 | 55 |
| Average total loans | $19,346,200,000 | 41 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9296% | 318 |
| Cost of funding earning assets | 0.8057% | 2,895 |
| Net interest margin | 5.1239% | 324 |
| Noninterest income to average assets | 1.1138% | 1,213 |
| Noninterest expense to average assets | 3.3849% | 2,041 |
| Loan and lease loss provision to assets | 1.3656% | 251 |
| Net operating income to assets | 0.9055% | 2,961 |
| Return on assets (ROA) | 0.9055% | 3,190 |
| Pretax return on assets | 0.6441% | 5,036 |
| Return on Equity (ROE) | 9.1952% | 2,711 |
| Retained earnings to average equity (ytd only) | 9.1952% | 1,157 |
| Net charge-offs to loans | 1.9976% | 363 |
| Credit loss provision to net charge-offs | 97.2414% | 3,078 |
| Earnings coverage of net charge-offs (x) | 1.4310% | 4,573 |
| Efficiency ratio | 62.2980% | 5,104 |
| Assets per employee ($millions) | 4.4193% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9615% | 750 |
| Loan loss allowance to noncurrent loans | 20.0775% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 11.6551% | 173 |
| Noncurrent loans to loans | 14.7504% | 106 |
| Net loans and leases to total assets | 68.4967% | 2,218 |
| Net loans and leases to deposits | 91.6213% | 1,006 |
| Net loans and leases to core deposits | 110.2994% | 556 |
| Total domestic deposits to total assets | 73.8878% | 6,613 |
| Equity capital to assets | 10.2615% | 4,121 |
| Core capital (leverage) ratio | 8.6392% | 5,566 |
| Tier 1 risk-based capital ratio | 12.5705% | 5,588 |
| Total risk-based capital ratio | 14.8819% | 4,754 |
| Memoranda: | ||
| Average total assets | $27,533,250,000 | 50 |
| Average earning assets | $23,002,750,000 | 52 |
| Average equity | $2,711,500,000 | 56 |
| Average total loans | $19,355,750,000 | 42 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9087% | 338 |
| Cost of funding earning assets | 0.8478% | 2,812 |
| Net interest margin | 5.0609% | 365 |
| Noninterest income to average assets | 1.0137% | 1,428 |
| Noninterest expense to average assets | 3.4393% | 1,937 |
| Loan and lease loss provision to assets | 1.3757% | 277 |
| Net operating income to assets | 0.9123% | 2,851 |
| Return on assets (ROA) | 0.9123% | 3,113 |
| Pretax return on assets | 0.4344% | 5,617 |
| Return on Equity (ROE) | 9.3936% | 2,616 |
| Retained earnings to average equity (ytd only) | 9.3936% | 1,139 |
| Net charge-offs to loans | 2.1040% | 380 |
| Credit loss provision to net charge-offs | 93.1373% | 2,952 |
| Earnings coverage of net charge-offs (x) | 1.2255% | 4,392 |
| Efficiency ratio | 64.9655% | 4,726 |
| Assets per employee ($millions) | 4.4124% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9279% | 845 |
| Loan loss allowance to noncurrent loans | 19.6859% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 11.6430% | 192 |
| Noncurrent loans to loans | 14.8731% | 102 |
| Net loans and leases to total assets | 68.4845% | 2,203 |
| Net loans and leases to deposits | 87.6119% | 1,405 |
| Net loans and leases to core deposits | 108.9304% | 621 |
| Total domestic deposits to total assets | 77.1206% | 6,308 |
| Equity capital to assets | 10.0425% | 4,272 |
| Core capital (leverage) ratio | 8.2786% | 5,947 |
| Tier 1 risk-based capital ratio | 12.0498% | 5,895 |
| Total risk-based capital ratio | 14.3564% | 5,092 |
| Memoranda: | ||
| Average total assets | $27,622,000,000 | 49 |
| Average earning assets | $23,118,333,330 | 51 |
| Average equity | $2,682,666,670 | 56 |
| Average total loans | $19,392,000,000 | 42 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 411 |
| Cost of funding earning assets | 0.8763% | 2,859 |
| Net interest margin | 4.9488% | 435 |
| Noninterest income to average assets | 1.2095% | 980 |
| Noninterest expense to average assets | 3.1388% | 2,794 |
| Loan and lease loss provision to assets | 1.2383% | 304 |
| Net operating income to assets | 0.7919% | 3,415 |
| Return on assets (ROA) | 0.7919% | 3,660 |
| Pretax return on assets | 0.9791% | 3,752 |
| Return on Equity (ROE) | 8.2925% | 3,143 |
| Retained earnings to average equity (ytd only) | 8.2925% | 1,862 |
| Net charge-offs to loans | 1.6036% | 619 |
| Credit loss provision to net charge-offs | 110.2564% | 2,124 |
| Earnings coverage of net charge-offs (x) | 1.9744% | 3,351 |
| Efficiency ratio | 58.0645% | 5,904 |
| Assets per employee ($millions) | 4.4716% | 3,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0197% | 814 |
| Loan loss allowance to noncurrent loans | 18.6684% | 6,605 |
| Noncurrent assets plus other real estate owned to assets | 12.3421% | 190 |
| Noncurrent loans to loans | 16.1754% | 96 |
| Net loans and leases to total assets | 68.1366% | 2,090 |
| Net loans and leases to deposits | 89.3128% | 1,029 |
| Net loans and leases to core deposits | 111.0259% | 499 |
| Total domestic deposits to total assets | 75.3159% | 6,610 |
| Equity capital to assets | 9.6991% | 4,521 |
| Core capital (leverage) ratio | 8.3643% | 5,787 |
| Tier 1 risk-based capital ratio | 12.4274% | 5,660 |
| Total risk-based capital ratio | 14.7376% | 4,828 |
| Memoranda: | ||
| Average total assets | $27,781,000,000 | 49 |
| Average earning assets | $23,278,500,000 | 51 |
| Average equity | $2,653,000,000 | 57 |
| Average total loans | $19,456,500,000 | 42 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3303% | 242 |
| Cost of funding earning assets | 1.1994% | 2,027 |
| Net interest margin | 5.1309% | 322 |
| Noninterest income to average assets | 1.4098% | 652 |
| Noninterest expense to average assets | 3.0557% | 3,371 |
| Loan and lease loss provision to assets | 1.6910% | 402 |
| Net operating income to assets | 0.6050% | 3,977 |
| Return on assets (ROA) | 0.6250% | 4,059 |
| Pretax return on assets | 0.9723% | 3,341 |
| Return on Equity (ROE) | 6.9162% | 3,432 |
| Retained earnings to average equity (ytd only) | 6.9162% | 1,541 |
| Net charge-offs to loans | 1.8635% | 775 |
| Credit loss provision to net charge-offs | 133.7912% | 2,263 |
| Earnings coverage of net charge-offs (x) | 2.0824% | 4,215 |
| Efficiency ratio | 53.3578% | 6,573 |
| Assets per employee ($millions) | 4.4022% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9630% | 843 |
| Loan loss allowance to noncurrent loans | 18.1021% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 12.3546% | 191 |
| Noncurrent loans to loans | 16.3685% | 104 |
| Net loans and leases to total assets | 67.7463% | 2,449 |
| Net loans and leases to deposits | 86.5088% | 1,610 |
| Net loans and leases to core deposits | 110.8775% | 592 |
| Total domestic deposits to total assets | 77.2843% | 6,304 |
| Equity capital to assets | 9.4020% | 5,017 |
| Core capital (leverage) ratio | 8.1138% | 6,122 |
| Tier 1 risk-based capital ratio | 12.0013% | 5,838 |
| Total risk-based capital ratio | 14.2991% | 5,005 |
| Memoranda: | ||
| Average total assets | $28,798,800,000 | 46 |
| Average earning assets | $24,011,600,000 | 49 |
| Average equity | $2,602,600,000 | 57 |
| Average total loans | $19,533,000,000 | 41 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4395% | 214 |
| Cost of funding earning assets | 1.2691% | 1,870 |
| Net interest margin | 5.1704% | 303 |
| Noninterest income to average assets | 1.3465% | 721 |
| Noninterest expense to average assets | 2.9043% | 3,912 |
| Loan and lease loss provision to assets | 1.5763% | 422 |
| Net operating income to assets | 0.7180% | 3,514 |
| Return on assets (ROA) | 0.7445% | 3,577 |
| Pretax return on assets | 1.2132% | 2,587 |
| Return on Equity (ROE) | 8.3187% | 2,907 |
| Retained earnings to average equity (ytd only) | 8.3187% | 1,382 |
| Net charge-offs to loans | 1.8697% | 702 |
| Credit loss provision to net charge-offs | 125.1825% | 2,563 |
| Earnings coverage of net charge-offs (x) | 2.1825% | 4,037 |
| Efficiency ratio | 50.9756% | 6,765 |
| Assets per employee ($millions) | 4.5698% | 2,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6769% | 1,155 |
| Loan loss allowance to noncurrent loans | 16.6879% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 11.7268% | 241 |
| Noncurrent loans to loans | 16.0409% | 117 |
| Net loans and leases to total assets | 66.3520% | 2,812 |
| Net loans and leases to deposits | 87.5224% | 1,490 |
| Net loans and leases to core deposits | 111.1429% | 630 |
| Total domestic deposits to total assets | 75.0000% | 6,639 |
| Equity capital to assets | 9.4177% | 5,216 |
| Core capital (leverage) ratio | 7.8539% | 6,525 |
| Tier 1 risk-based capital ratio | 11.8804% | 5,974 |
| Total risk-based capital ratio | 14.1619% | 5,142 |
| Memoranda: | ||
| Average total assets | $29,013,250,000 | 45 |
| Average earning assets | $24,162,750,000 | 48 |
| Average equity | $2,596,500,000 | 57 |
| Average total loans | $19,539,500,000 | 40 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3886% | 243 |
| Cost of funding earning assets | 1.3303% | 1,756 |
| Net interest margin | 5.0583% | 359 |
| Noninterest income to average assets | 1.4014% | 647 |
| Noninterest expense to average assets | 2.8303% | 4,312 |
| Loan and lease loss provision to assets | 1.2846% | 583 |
| Net operating income to assets | 0.8312% | 2,940 |
| Return on assets (ROA) | 0.8312% | 3,055 |
| Pretax return on assets | 1.5182% | 1,477 |
| Return on Equity (ROE) | 9.4507% | 2,323 |
| Retained earnings to average equity (ytd only) | 9.4507% | 973 |
| Net charge-offs to loans | 1.7411% | 816 |
| Credit loss provision to net charge-offs | 110.0000% | 2,790 |
| Earnings coverage of net charge-offs (x) | 2.4000% | 3,617 |
| Efficiency ratio | 49.8780% | 6,947 |
| Assets per employee ($millions) | 4.6598% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4120% | 1,567 |
| Loan loss allowance to noncurrent loans | 15.1040% | 6,858 |
| Noncurrent assets plus other real estate owned to assets | 11.3615% | 290 |
| Noncurrent loans to loans | 15.9691% | 117 |
| Net loans and leases to total assets | 65.0199% | 3,254 |
| Net loans and leases to deposits | 88.3875% | 1,444 |
| Net loans and leases to core deposits | 110.4767% | 709 |
| Total domestic deposits to total assets | 72.6567% | 6,961 |
| Equity capital to assets | 9.0463% | 5,510 |
| Core capital (leverage) ratio | 7.4178% | 6,798 |
| Tier 1 risk-based capital ratio | 11.2644% | 6,341 |
| Total risk-based capital ratio | 13.5194% | 5,535 |
| Memoranda: | ||
| Average total assets | $29,113,666,670 | 46 |
| Average earning assets | $24,356,000,000 | 49 |
| Average equity | $2,560,666,670 | 59 |
| Average total loans | $19,527,666,670 | 41 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2194% | 325 |
| Cost of funding earning assets | 1.3821% | 1,703 |
| Net interest margin | 4.8373% | 528 |
| Noninterest income to average assets | 1.4766% | 590 |
| Noninterest expense to average assets | 2.7186% | 4,759 |
| Loan and lease loss provision to assets | 0.9246% | 856 |
| Net operating income to assets | -0.0690% | 6,423 |
| Return on assets (ROA) | -0.0690% | 6,442 |
| Pretax return on assets | 1.8906% | 693 |
| Return on Equity (ROE) | -0.7960% | 6,461 |
| Retained earnings to average equity (ytd only) | -0.7960% | 5,941 |
| Net charge-offs to loans | 1.8455% | 700 |
| Credit loss provision to net charge-offs | 74.4444% | 3,271 |
| Earnings coverage of net charge-offs (x) | 2.2667% | 3,181 |
| Efficiency ratio | 48.8778% | 7,071 |
| Assets per employee ($millions) | 4.6050% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2139% | 1,928 |
| Loan loss allowance to noncurrent loans | 13.7536% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 11.4924% | 301 |
| Noncurrent loans to loans | 16.0970% | 123 |
| Net loans and leases to total assets | 65.8124% | 3,060 |
| Net loans and leases to deposits | 91.9478% | 1,026 |
| Net loans and leases to core deposits | 114.6281% | 580 |
| Total domestic deposits to total assets | 70.7516% | 7,144 |
| Equity capital to assets | 8.6297% | 5,739 |
| Core capital (leverage) ratio | 7.4214% | 6,774 |
| Tier 1 risk-based capital ratio | 11.3899% | 6,182 |
| Total risk-based capital ratio | 13.6603% | 5,329 |
| Memoranda: | ||
| Average total assets | $28,985,000,000 | 47 |
| Average earning assets | $24,311,000,000 | 49 |
| Average equity | $2,512,500,000 | 59 |
| Average total loans | $19,507,000,000 | 42 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2603% | 500 |
| Cost of funding earning assets | 1.5940% | 2,103 |
| Net interest margin | 4.6663% | 876 |
| Noninterest income to average assets | 1.5122% | 635 |
| Noninterest expense to average assets | 3.1695% | 3,193 |
| Loan and lease loss provision to assets | 2.2121% | 549 |
| Net operating income to assets | 0.0522% | 5,693 |
| Return on assets (ROA) | 0.0617% | 5,818 |
| Pretax return on assets | 0.0943% | 5,712 |
| Return on Equity (ROE) | 0.7301% | 5,771 |
| Retained earnings to average equity (ytd only) | 0.7301% | 5,193 |
| Net charge-offs to loans | 4.6575% | 215 |
| Credit loss provision to net charge-offs | 75.2158% | 5,726 |
| Earnings coverage of net charge-offs (x) | 0.7793% | 5,346 |
| Efficiency ratio | 57.7025% | 6,375 |
| Assets per employee ($millions) | 4.5915% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3332% | 1,643 |
| Loan loss allowance to noncurrent loans | 15.8758% | 6,954 |
| Noncurrent assets plus other real estate owned to assets | 10.5083% | 372 |
| Noncurrent loans to loans | 14.6967% | 173 |
| Net loans and leases to total assets | 65.7280% | 3,515 |
| Net loans and leases to deposits | 93.9615% | 1,067 |
| Net loans and leases to core deposits | 116.4323% | 629 |
| Total domestic deposits to total assets | 69.0858% | 7,282 |
| Equity capital to assets | 8.7069% | 5,574 |
| Core capital (leverage) ratio | 7.0699% | 6,989 |
| Tier 1 risk-based capital ratio | 10.8883% | 6,422 |
| Total risk-based capital ratio | 13.1475% | 5,551 |
| Memoranda: | ||
| Average total assets | $27,575,000,000 | 49 |
| Average earning assets | $23,337,600,000 | 49 |
| Average equity | $2,328,600,000 | 59 |
| Average total loans | $17,412,600,000 | 47 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1398% | 701 |
| Cost of funding earning assets | 1.6215% | 2,271 |
| Net interest margin | 4.5183% | 1,215 |
| Noninterest income to average assets | 1.5525% | 579 |
| Noninterest expense to average assets | 3.1246% | 3,218 |
| Loan and lease loss provision to assets | 2.0226% | 583 |
| Net operating income to assets | 0.1765% | 5,569 |
| Return on assets (ROA) | 0.1910% | 5,696 |
| Pretax return on assets | 0.2596% | 5,587 |
| Return on Equity (ROE) | 2.2806% | 5,504 |
| Retained earnings to average equity (ytd only) | 2.2806% | 4,802 |
| Net charge-offs to loans | 2.8023% | 582 |
| Credit loss provision to net charge-offs | 116.3380% | 3,583 |
| Earnings coverage of net charge-offs (x) | 1.3014% | 4,775 |
| Efficiency ratio | 57.6364% | 6,322 |
| Assets per employee ($millions) | 4.7220% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8135% | 428 |
| Loan loss allowance to noncurrent loans | 25.3191% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 9.8098% | 423 |
| Noncurrent loans to loans | 15.0617% | 161 |
| Net loans and leases to total assets | 58.4404% | 5,194 |
| Net loans and leases to deposits | 85.7204% | 2,406 |
| Net loans and leases to core deposits | 106.4299% | 1,292 |
| Total domestic deposits to total assets | 67.4065% | 7,409 |
| Equity capital to assets | 8.5313% | 6,243 |
| Core capital (leverage) ratio | 6.8830% | 7,219 |
| Tier 1 risk-based capital ratio | 10.6631% | 6,662 |
| Total risk-based capital ratio | 12.9151% | 5,744 |
| Memoranda: | ||
| Average total assets | $27,224,500,000 | 49 |
| Average earning assets | $23,105,500,000 | 50 |
| Average equity | $2,280,000,000 | 59 |
| Average total loans | $16,890,500,000 | 47 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6091% | 2,107 |
| Cost of funding earning assets | 1.6178% | 2,559 |
| Net interest margin | 3.9912% | 3,060 |
| Noninterest income to average assets | 1.8903% | 381 |
| Noninterest expense to average assets | 3.2427% | 2,751 |
| Loan and lease loss provision to assets | 1.7751% | 696 |
| Net operating income to assets | 0.2689% | 5,300 |
| Return on assets (ROA) | 0.2689% | 5,449 |
| Pretax return on assets | 0.3227% | 5,443 |
| Return on Equity (ROE) | 3.2352% | 5,121 |
| Retained earnings to average equity (ytd only) | 3.2352% | 4,045 |
| Net charge-offs to loans | 2.4939% | 690 |
| Credit loss provision to net charge-offs | 113.7931% | 3,575 |
| Earnings coverage of net charge-offs (x) | 1.3448% | 4,482 |
| Efficiency ratio | 60.4317% | 5,973 |
| Assets per employee ($millions) | 4.6440% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6381% | 497 |
| Loan loss allowance to noncurrent loans | 25.5319% | 6,644 |
| Noncurrent assets plus other real estate owned to assets | 8.9620% | 498 |
| Noncurrent loans to loans | 14.2492% | 196 |
| Net loans and leases to total assets | 56.7113% | 5,595 |
| Net loans and leases to deposits | 90.9077% | 1,708 |
| Net loans and leases to core deposits | 109.5941% | 1,192 |
| Total domestic deposits to total assets | 61.5414% | 7,635 |
| Equity capital to assets | 8.2076% | 6,532 |
| Core capital (leverage) ratio | 7.1928% | 7,072 |
| Tier 1 risk-based capital ratio | 10.4933% | 6,692 |
| Total risk-based capital ratio | 13.6510% | 4,927 |
| Memoranda: | ||
| Average total assets | $26,027,333,330 | 51 |
| Average earning assets | $22,499,333,330 | 51 |
| Average equity | $2,163,666,670 | 61 |
| Average total loans | $16,279,666,670 | 46 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7136% | 1,727 |
| Cost of funding earning assets | 1.5198% | 3,423 |
| Net interest margin | 4.1938% | 2,062 |
| Noninterest income to average assets | 1.6646% | 458 |
| Noninterest expense to average assets | 3.2773% | 2,605 |
| Loan and lease loss provision to assets | 1.8727% | 600 |
| Net operating income to assets | 0.3468% | 5,092 |
| Return on assets (ROA) | 0.3468% | 5,214 |
| Pretax return on assets | 0.2948% | 5,618 |
| Return on Equity (ROE) | 4.1354% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.1354% | 3,667 |
| Net charge-offs to loans | 2.6899% | 600 |
| Credit loss provision to net charge-offs | 106.9307% | 3,216 |
| Earnings coverage of net charge-offs (x) | 1.2376% | 4,022 |
| Efficiency ratio | 59.8726% | 6,200 |
| Assets per employee ($millions) | 4.0333% | 3,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4437% | 262 |
| Loan loss allowance to noncurrent loans | 36.5088% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 8.4321% | 567 |
| Noncurrent loans to loans | 12.1716% | 284 |
| Net loans and leases to total assets | 62.3529% | 4,687 |
| Net loans and leases to deposits | 81.2365% | 3,418 |
| Net loans and leases to core deposits | 99.6854% | 2,163 |
| Total domestic deposits to total assets | 75.6659% | 6,808 |
| Equity capital to assets | 8.5546% | 5,930 |
| Core capital (leverage) ratio | 6.9983% | 7,252 |
| Tier 1 risk-based capital ratio | 8.9089% | 7,496 |
| Total risk-based capital ratio | 12.2917% | 6,091 |
| Memoranda: | ||
| Average total assets | $23,068,000,000 | 52 |
| Average earning assets | $20,792,500,000 | 52 |
| Average equity | $1,934,500,000 | 64 |
| Average total loans | $15,019,000,000 | 49 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 3,005 |
| Cost of funding earning assets | 1.8050% | 3,967 |
| Net interest margin | 3.9154% | 3,206 |
| Noninterest income to average assets | 1.8759% | 422 |
| Noninterest expense to average assets | 3.3575% | 2,813 |
| Loan and lease loss provision to assets | 2.5897% | 754 |
| Net operating income to assets | -0.4233% | 6,102 |
| Return on assets (ROA) | 0.5188% | 3,749 |
| Pretax return on assets | 0.4358% | 4,389 |
| Return on Equity (ROE) | 6.4347% | 3,023 |
| Retained earnings to average equity (ytd only) | 3.5519% | 2,692 |
| Net charge-offs to loans | 3.2850% | 615 |
| Credit loss provision to net charge-offs | 121.8750% | 4,349 |
| Earnings coverage of net charge-offs (x) | 0.9805% | 5,134 |
| Efficiency ratio | 61.3272% | 6,273 |
| Assets per employee ($millions) | 4.1231% | 3,565 |
| Cash dividends to net income (ytd only)* | 44.8000% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3392% | 285 |
| Loan loss allowance to noncurrent loans | 38.2062% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 7.8295% | 587 |
| Noncurrent loans to loans | 11.3573% | 318 |
| Net loans and leases to total assets | 62.1460% | 4,960 |
| Net loans and leases to deposits | 81.2655% | 3,746 |
| Net loans and leases to core deposits | 99.4430% | 4,055 |
| Total domestic deposits to total assets | 75.3943% | 6,792 |
| Equity capital to assets | 8.2205% | 6,319 |
| Core capital (leverage) ratio | 6.8659% | 7,334 |
| Tier 1 risk-based capital ratio | 8.8576% | 7,522 |
| Total risk-based capital ratio | 12.5557% | 5,555 |
| Memoranda: | ||
| Average total assets | $24,095,200,000 | 52 |
| Average earning assets | $21,938,800,000 | 54 |
| Average equity | $1,942,600,000 | 61 |
| Average total loans | $15,585,800,000 | 50 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7395% | 3,141 |
| Cost of funding earning assets | 1.8650% | 4,076 |
| Net interest margin | 3.8745% | 3,324 |
| Noninterest income to average assets | 1.8929% | 414 |
| Noninterest expense to average assets | 3.3194% | 2,836 |
| Loan and lease loss provision to assets | 2.6665% | 598 |
| Net operating income to assets | -0.4609% | 6,385 |
| Return on assets (ROA) | 0.7846% | 2,941 |
| Pretax return on assets | 0.6858% | 3,905 |
| Return on Equity (ROE) | 9.7775% | 2,003 |
| Retained earnings to average equity (ytd only) | 9.3673% | 746 |
| Net charge-offs to loans | 3.1161% | 519 |
| Credit loss provision to net charge-offs | 132.4251% | 3,780 |
| Earnings coverage of net charge-offs (x) | 1.0463% | 5,009 |
| Efficiency ratio | 60.8696% | 6,299 |
| Assets per employee ($millions) | 4.1160% | 3,531 |
| Cash dividends to net income (ytd only)* | 4.1958% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2896% | 238 |
| Loan loss allowance to noncurrent loans | 40.6998% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 7.3861% | 620 |
| Noncurrent loans to loans | 10.5396% | 359 |
| Net loans and leases to total assets | 62.9757% | 5,074 |
| Net loans and leases to deposits | 83.5338% | 3,723 |
| Net loans and leases to core deposits | 103.2959% | 4,020 |
| Total domestic deposits to total assets | 74.3763% | 6,883 |
| Equity capital to assets | 8.4291% | 6,347 |
| Core capital (leverage) ratio | 7.0620% | 7,389 |
| Tier 1 risk-based capital ratio | 8.9393% | 7,645 |
| Total risk-based capital ratio | 12.5719% | 5,563 |
| Memoranda: | ||
| Average total assets | $24,301,250,000 | 58 |
| Average earning assets | $22,161,500,000 | 58 |
| Average equity | $1,950,000,000 | 63 |
| Average total loans | $15,702,750,000 | 54 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7438% | 3,325 |
| Cost of funding earning assets | 1.9265% | 4,126 |
| Net interest margin | 3.8173% | 3,475 |
| Noninterest income to average assets | 1.9046% | 403 |
| Noninterest expense to average assets | 3.2883% | 3,005 |
| Loan and lease loss provision to assets | 2.7104% | 567 |
| Net operating income to assets | -0.5046% | 6,551 |
| Return on assets (ROA) | 1.3430% | 1,206 |
| Pretax return on assets | 1.2372% | 2,199 |
| Return on Equity (ROE) | 17.0103% | 580 |
| Retained earnings to average equity (ytd only) | 16.3918% | 152 |
| Net charge-offs to loans | 2.8761% | 571 |
| Credit loss provision to net charge-offs | 146.6960% | 3,153 |
| Earnings coverage of net charge-offs (x) | 1.1366% | 4,672 |
| Efficiency ratio | 60.7251% | 6,442 |
| Assets per employee ($millions) | 4.1258% | 3,443 |
| Cash dividends to net income (ytd only)* | 3.6364% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1973% | 220 |
| Loan loss allowance to noncurrent loans | 42.6509% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 6.7317% | 662 |
| Noncurrent loans to loans | 9.8411% | 364 |
| Net loans and leases to total assets | 62.1481% | 5,335 |
| Net loans and leases to deposits | 81.8402% | 4,251 |
| Net loans and leases to core deposits | 100.3314% | 4,473 |
| Total domestic deposits to total assets | 74.7403% | 6,816 |
| Equity capital to assets | 8.1434% | 6,568 |
| Core capital (leverage) ratio | 7.0320% | 7,515 |
| Tier 1 risk-based capital ratio | 9.0670% | 7,665 |
| Total risk-based capital ratio | 12.6678% | 5,389 |
| Memoranda: | ||
| Average total assets | $24,571,666,670 | 60 |
| Average earning assets | $22,424,333,330 | 60 |
| Average equity | $1,940,000,000 | 64 |
| Average total loans | $15,785,000,000 | 58 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7651% | 3,456 |
| Cost of funding earning assets | 2.0213% | 4,027 |
| Net interest margin | 3.7438% | 3,680 |
| Noninterest income to average assets | 1.8297% | 412 |
| Noninterest expense to average assets | 3.1619% | 3,144 |
| Loan and lease loss provision to assets | 2.4236% | 479 |
| Net operating income to assets | -0.2087% | 6,566 |
| Return on assets (ROA) | 2.7286% | 110 |
| Pretax return on assets | 2.6002% | 217 |
| Return on Equity (ROE) | 35.0877% | 57 |
| Retained earnings to average equity (ytd only) | 33.8493% | 38 |
| Net charge-offs to loans | 2.2090% | 654 |
| Credit loss provision to net charge-offs | 171.5909% | 2,495 |
| Earnings coverage of net charge-offs (x) | 1.4773% | 3,998 |
| Efficiency ratio | 59.9388% | 6,416 |
| Assets per employee ($millions) | 4.1390% | 3,382 |
| Cash dividends to net income (ytd only)* | 3.5294% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8282% | 250 |
| Loan loss allowance to noncurrent loans | 56.0480% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 4.7161% | 994 |
| Noncurrent loans to loans | 6.8302% | 607 |
| Net loans and leases to total assets | 62.6989% | 5,208 |
| Net loans and leases to deposits | 84.5195% | 3,892 |
| Net loans and leases to core deposits | 102.7838% | 4,259 |
| Total domestic deposits to total assets | 73.1467% | 7,029 |
| Equity capital to assets | 8.1247% | 6,641 |
| Core capital (leverage) ratio | 6.9111% | 7,689 |
| Tier 1 risk-based capital ratio | 8.9786% | 7,801 |
| Total risk-based capital ratio | 12.5361% | 5,524 |
| Memoranda: | ||
| Average total assets | $24,921,500,000 | 60 |
| Average earning assets | $22,757,500,000 | 60 |
| Average equity | $1,938,000,000 | 66 |
| Average total loans | $15,934,500,000 | 59 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4185% | 3,317 |
| Cost of funding earning assets | 2.4321% | 4,561 |
| Net interest margin | 3.9864% | 3,183 |
| Noninterest income to average assets | 1.8284% | 405 |
| Noninterest expense to average assets | 2.9784% | 4,158 |
| Loan and lease loss provision to assets | 1.9894% | 605 |
| Net operating income to assets | 0.4983% | 4,744 |
| Return on assets (ROA) | 0.7666% | 3,429 |
| Pretax return on assets | 0.7666% | 4,191 |
| Return on Equity (ROE) | 10.6587% | 2,025 |
| Retained earnings to average equity (ytd only) | 1.0659% | 4,585 |
| Net charge-offs to loans | 2.1565% | 487 |
| Credit loss provision to net charge-offs | 147.4432% | 3,583 |
| Earnings coverage of net charge-offs (x) | 1.8438% | 5,149 |
| Efficiency ratio | 54.0673% | 7,258 |
| Assets per employee ($millions) | 4.2779% | 2,992 |
| Cash dividends to net income (ytd only)* | 90.0000% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3972% | 307 |
| Loan loss allowance to noncurrent loans | 58.3691% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 3.8673% | 1,088 |
| Noncurrent loans to loans | 5.8203% | 643 |
| Net loans and leases to total assets | 60.6105% | 5,823 |
| Net loans and leases to deposits | 83.9475% | 4,427 |
| Net loans and leases to core deposits | 103.7979% | 4,409 |
| Total domestic deposits to total assets | 71.1190% | 7,143 |
| Equity capital to assets | 7.4446% | 7,432 |
| Core capital (leverage) ratio | 6.0715% | 8,056 |
| Tier 1 risk-based capital ratio | 7.8004% | 8,110 |
| Total risk-based capital ratio | 11.2793% | 6,585 |
| Memoranda: | ||
| Average total assets | $26,087,800,000 | 58 |
| Average earning assets | $23,806,200,000 | 58 |
| Average equity | $1,876,400,000 | 66 |
| Average total loans | $16,322,800,000 | 56 |