Home > Barclays Bank Delaware > Performance and Condition Ratios
Barclays Bank Delaware, 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 | 15.2129% | 58 |
| Cost of funding earning assets | 3.5456% | 69 |
| Net interest margin | 11.6673% | 22 |
| Noninterest income to average assets | 1.2200% | 490 |
| Noninterest expense to average assets | 7.8400% | 135 |
| Loan and lease loss provision to assets | 3.4400% | 12 |
| Net operating income to assets | 0.5311% | 3,605 |
| Return on assets (ROA) | 0.5393% | 3,580 |
| Pretax return on assets | 0.7191% | 3,396 |
| Return on Equity (ROE) | 3.9700% | 3,889 |
| Retained earnings to average equity (ytd only) | 2.7265% | 3,369 |
| Net charge-offs to loans | 3.4912% | 25 |
| Credit loss provision to net charge-offs | 126.4115% | 1,624 |
| Earnings coverage of net charge-offs (x) | 1.5244% | 2,756 |
| Efficiency ratio | 63.0378% | 2,720 |
| Assets per employee ($millions) | 8.2051% | 1,333 |
| Cash dividends to net income (ytd only)* | 31.4010% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1944% | 20 |
| Loan loss allowance to noncurrent loans | 521.7822% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 1.2147% | 358 |
| Noncurrent loans to loans | 1.5705% | 421 |
| Net loans and leases to total assets | 71.0100% | 1,701 |
| Net loans and leases to deposits | 93.0792% | 1,009 |
| Net loans and leases to core deposits | 143.8645% | 242 |
| Total domestic deposits to total assets | 76.2900% | 3,920 |
| Equity capital to assets | 12.4281% | 1,001 |
| Core capital (leverage) ratio | 13.0393% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9581% | 1,084 |
| Memoranda: | ||
| Average total assets | $38,380,000,000 | 58 |
| Average earning assets | $35,423,800,000 | 56 |
| Average equity | $5,208,200,000 | 45 |
| Average total loans | $29,932,200,000 | 50 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0654% | 54 |
| Cost of funding earning assets | 3.4128% | 68 |
| Net interest margin | 11.6526% | 20 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 7.8725% | 134 |
| Loan and lease loss provision to assets | 3.5400% | 14 |
| Net operating income to assets | 0.2562% | 4,169 |
| Return on assets (ROA) | 0.2590% | 4,171 |
| Pretax return on assets | 0.3619% | 4,103 |
| Return on Equity (ROE) | 1.8700% | 4,210 |
| Retained earnings to average equity (ytd only) | 0.6387% | 4,025 |
| Net charge-offs to loans | 3.3586% | 26 |
| Credit loss provision to net charge-offs | 134.7297% | 1,391 |
| Earnings coverage of net charge-offs (x) | 1.4838% | 2,532 |
| Efficiency ratio | 63.9132% | 2,498 |
| Assets per employee ($millions) | 7.2054% | 1,819 |
| Cash dividends to net income (ytd only)* | 65.7534% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6588% | 17 |
| Loan loss allowance to noncurrent loans | 614.0845% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 1.1092% | 430 |
| Noncurrent loans to loans | 1.4100% | 531 |
| Net loans and leases to total assets | 71.8600% | 1,592 |
| Net loans and leases to deposits | 91.7359% | 1,075 |
| Net loans and leases to core deposits | 136.9936% | 255 |
| Total domestic deposits to total assets | 78.3300% | 3,779 |
| Equity capital to assets | 13.0920% | 794 |
| Core capital (leverage) ratio | 13.4203% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5579% | 1,011 |
| Memoranda: | ||
| Average total assets | $37,581,250,000 | 59 |
| Average earning assets | $34,692,250,000 | 58 |
| Average equity | $5,218,500,000 | 44 |
| Average total loans | $29,376,250,000 | 52 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7305% | 53 |
| Cost of funding earning assets | 3.2217% | 58 |
| Net interest margin | 11.5087% | 25 |
| Noninterest income to average assets | 1.0300% | 539 |
| Noninterest expense to average assets | 7.8592% | 133 |
| Loan and lease loss provision to assets | 2.8900% | 16 |
| Net operating income to assets | 0.6284% | 3,510 |
| Return on assets (ROA) | 0.6326% | 3,511 |
| Pretax return on assets | 0.8953% | 3,171 |
| Return on Equity (ROE) | 4.4700% | 3,955 |
| Retained earnings to average equity (ytd only) | 3.2942% | 3,404 |
| Net charge-offs to loans | 3.2855% | 26 |
| Credit loss provision to net charge-offs | 112.9707% | 1,363 |
| Earnings coverage of net charge-offs (x) | 1.4770% | 2,364 |
| Efficiency ratio | 64.4107% | 2,432 |
| Assets per employee ($millions) | 8.7206% | 995 |
| Cash dividends to net income (ytd only)* | 26.2712% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2037% | 22 |
| Loan loss allowance to noncurrent loans | 637.1053% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 446 |
| Noncurrent loans to loans | 1.2877% | 550 |
| Net loans and leases to total assets | 73.0100% | 1,409 |
| Net loans and leases to deposits | 94.2589% | 834 |
| Net loans and leases to core deposits | 135.6127% | 257 |
| Total domestic deposits to total assets | 77.4500% | 3,900 |
| Equity capital to assets | 13.7336% | 677 |
| Core capital (leverage) ratio | 12.7445% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5940% | 1,192 |
| Memoranda: | ||
| Average total assets | $37,306,666,667 | 60 |
| Average earning assets | $34,391,333,333 | 59 |
| Average equity | $5,282,000,000 | 44 |
| Average total loans | $29,097,666,667 | 53 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5060% | 12 |
| Cost of funding earning assets | 2.9708% | 37 |
| Net interest margin | 11.5352% | 16 |
| Noninterest income to average assets | 1.8500% | 250 |
| Noninterest expense to average assets | 7.8274% | 136 |
| Loan and lease loss provision to assets | 2.4000% | 23 |
| Net operating income to assets | 1.6490% | 909 |
| Return on assets (ROA) | 1.6574% | 892 |
| Pretax return on assets | 2.2670% | 517 |
| Return on Equity (ROE) | 11.5300% | 2,345 |
| Retained earnings to average equity (ytd only) | 10.4186% | 1,601 |
| Net charge-offs to loans | 3.0459% | 30 |
| Credit loss provision to net charge-offs | 101.8182% | 1,102 |
| Earnings coverage of net charge-offs (x) | 1.9773% | 1,945 |
| Efficiency ratio | 59.8115% | 2,980 |
| Assets per employee ($millions) | 9.3944% | 824 |
| Cash dividends to net income (ytd only)* | 9.6774% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2692% | 12 |
| Loan loss allowance to noncurrent loans | 660.0559% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.9584% | 442 |
| Noncurrent loans to loans | 1.2528% | 548 |
| Net loans and leases to total assets | 70.1800% | 1,607 |
| Net loans and leases to deposits | 90.5458% | 1,009 |
| Net loans and leases to core deposits | 131.9823% | 259 |
| Total domestic deposits to total assets | 77.5100% | 4,049 |
| Equity capital to assets | 13.7877% | 621 |
| Core capital (leverage) ratio | 12.9977% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0917% | 1,138 |
| Memoranda: | ||
| Average total assets | $37,407,000,000 | 63 |
| Average earning assets | $34,468,500,000 | 62 |
| Average equity | $5,375,000,000 | 47 |
| Average total loans | $28,891,000,000 | 55 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0000% | 15 |
| Cost of funding earning assets | 1.5788% | 18 |
| Net interest margin | 10.4212% | 16 |
| Noninterest income to average assets | 0.8100% | 982 |
| Noninterest expense to average assets | 8.1653% | 133 |
| Loan and lease loss provision to assets | 1.8800% | 23 |
| Net operating income to assets | 0.2811% | 4,383 |
| Return on assets (ROA) | 0.2811% | 4,357 |
| Pretax return on assets | 0.3679% | 4,315 |
| Return on Equity (ROE) | 1.6900% | 4,414 |
| Retained earnings to average equity (ytd only) | 0.9148% | 4,218 |
| Net charge-offs to loans | 2.1209% | 29 |
| Credit loss provision to net charge-offs | 116.5428% | 1,479 |
| Earnings coverage of net charge-offs (x) | 1.3941% | 2,540 |
| Efficiency ratio | 74.7126% | 1,148 |
| Assets per employee ($millions) | 10.3917% | 592 |
| Cash dividends to net income (ytd only)* | 45.7447% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4954% | 29 |
| Loan loss allowance to noncurrent loans | 445.8333% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.9610% | 448 |
| Noncurrent loans to loans | 1.2326% | 564 |
| Net loans and leases to total assets | 73.6800% | 1,249 |
| Net loans and leases to deposits | 97.1046% | 582 |
| Net loans and leases to core deposits | 140.3774% | 143 |
| Total domestic deposits to total assets | 75.8700% | 4,260 |
| Equity capital to assets | 14.9485% | 474 |
| Core capital (leverage) ratio | 13.3176% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6184% | 1,207 |
| Memoranda: | ||
| Average total assets | $33,434,200,000 | 71 |
| Average earning assets | $30,783,400,000 | 70 |
| Average equity | $5,575,200,000 | 47 |
| Average total loans | $25,366,600,000 | 59 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1689% | 15 |
| Cost of funding earning assets | 1.2340% | 20 |
| Net interest margin | 9.9348% | 15 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 8.1411% | 133 |
| Loan and lease loss provision to assets | 1.5800% | 23 |
| Net operating income to assets | 0.1019% | 4,542 |
| Return on assets (ROA) | 0.0987% | 4,516 |
| Pretax return on assets | 0.1521% | 4,492 |
| Return on Equity (ROE) | 0.5700% | 4,527 |
| Retained earnings to average equity (ytd only) | -0.1197% | 4,356 |
| Net charge-offs to loans | 2.0486% | 25 |
| Credit loss provision to net charge-offs | 102.6667% | 1,302 |
| Earnings coverage of net charge-offs (x) | 1.1280% | 2,279 |
| Efficiency ratio | 78.4436% | 878 |
| Assets per employee ($millions) | 10.0781% | 647 |
| Cash dividends to net income (ytd only)* | 120.8333% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6064% | 29 |
| Loan loss allowance to noncurrent loans | 638.4937% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 787 |
| Noncurrent loans to loans | 0.8781% | 896 |
| Net loans and leases to total assets | 71.8500% | 1,314 |
| Net loans and leases to deposits | 93.8043% | 646 |
| Net loans and leases to core deposits | 129.7561% | 150 |
| Total domestic deposits to total assets | 76.6000% | 4,341 |
| Equity capital to assets | 15.4991% | 410 |
| Core capital (leverage) ratio | 13.1739% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6256% | 1,059 |
| Memoranda: | ||
| Average total assets | $32,427,250,000 | 74 |
| Average earning assets | $29,820,250,000 | 73 |
| Average equity | $5,569,000,000 | 48 |
| Average total loans | $24,406,750,000 | 60 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7662% | 17 |
| Cost of funding earning assets | 0.9043% | 59 |
| Net interest margin | 8.8619% | 19 |
| Noninterest income to average assets | 1.2325% | 457 |
| Noninterest expense to average assets | 7.5294% | 98 |
| Loan and lease loss provision to assets | 0.8685% | 51 |
| Net operating income to assets | 0.7011% | 3,308 |
| Return on assets (ROA) | 0.6961% | 3,276 |
| Pretax return on assets | 0.9643% | 2,851 |
| Return on Equity (ROE) | 3.9082% | 4,051 |
| Retained earnings to average equity (ytd only) | 3.2987% | 3,350 |
| Net charge-offs to loans | 2.0793% | 27 |
| Credit loss provision to net charge-offs | 55.7377% | 1,470 |
| Earnings coverage of net charge-offs (x) | 1.1803% | 2,077 |
| Efficiency ratio | 76.2781% | 1,245 |
| Assets per employee ($millions) | 10.5294% | 564 |
| Cash dividends to net income (ytd only)* | 15.5963% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3526% | 34 |
| Loan loss allowance to noncurrent loans | 737.1728% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5465% | 1,040 |
| Noncurrent loans to loans | 0.7261% | 1,188 |
| Net loans and leases to total assets | 71.2422% | 1,180 |
| Net loans and leases to deposits | 97.4023% | 371 |
| Net loans and leases to core deposits | 131.1680% | 118 |
| Total domestic deposits to total assets | 73.1422% | 4,560 |
| Equity capital to assets | 16.1559% | 322 |
| Core capital (leverage) ratio | 14.9588% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3243% | 947 |
| Memoranda: | ||
| Average total assets | $31,317,333,333 | 74 |
| Average earning assets | $28,752,333,333 | 74 |
| Average equity | $5,578,000,000 | 49 |
| Average total loans | $23,469,333,333 | 62 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9314% | 17 |
| Cost of funding earning assets | 0.7560% | 112 |
| Net interest margin | 9.1755% | 18 |
| Noninterest income to average assets | 0.3254% | 3,157 |
| Noninterest expense to average assets | 7.4977% | 95 |
| Loan and lease loss provision to assets | 1.6405% | 25 |
| Net operating income to assets | -0.3661% | 4,680 |
| Return on assets (ROA) | -0.3661% | 4,664 |
| Pretax return on assets | -0.4203% | 4,671 |
| Return on Equity (ROE) | -1.9481% | 4,635 |
| Retained earnings to average equity (ytd only) | -2.5253% | 4,284 |
| Net charge-offs to loans | 2.1404% | 33 |
| Credit loss provision to net charge-offs | 102.5424% | 1,000 |
| Earnings coverage of net charge-offs (x) | 0.7627% | 1,760 |
| Efficiency ratio | 81.3375% | 1,041 |
| Assets per employee ($millions) | 9.6633% | 740 |
| Cash dividends to net income (ytd only)* | -29.6296% | 4,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9225% | 22 |
| Loan loss allowance to noncurrent loans | 748.2759% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 833 |
| Noncurrent loans to loans | 0.9251% | 986 |
| Net loans and leases to total assets | 69.0257% | 1,114 |
| Net loans and leases to deposits | 94.5950% | 332 |
| Net loans and leases to core deposits | 109.1434% | 280 |
| Total domestic deposits to total assets | 72.9697% | 4,601 |
| Equity capital to assets | 18.6691% | 204 |
| Core capital (leverage) ratio | 15.9994% | 348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4503% | 603 |
| Memoranda: | ||
| Average total assets | $29,502,500,000 | 76 |
| Average earning assets | $26,985,000,000 | 78 |
| Average equity | $5,544,000,000 | 51 |
| Average total loans | $22,051,500,000 | 64 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8323% | 20 |
| Cost of funding earning assets | 0.8295% | 175 |
| Net interest margin | 9.0028% | 20 |
| Noninterest income to average assets | 1.7193% | 389 |
| Noninterest expense to average assets | 6.7816% | 107 |
| Loan and lease loss provision to assets | 1.0323% | 31 |
| Net operating income to assets | 1.6510% | 703 |
| Return on assets (ROA) | 1.6510% | 743 |
| Pretax return on assets | 2.2526% | 375 |
| Return on Equity (ROE) | 8.9289% | 2,939 |
| Retained earnings to average equity (ytd only) | 4.6216% | 2,957 |
| Net charge-offs to loans | 2.8605% | 14 |
| Credit loss provision to net charge-offs | 51.0135% | 2,128 |
| Earnings coverage of net charge-offs (x) | 1.6233% | 2,608 |
| Efficiency ratio | 64.0747% | 2,557 |
| Assets per employee ($millions) | 10.2245% | 623 |
| Cash dividends to net income (ytd only)* | 48.2402% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8412% | 21 |
| Loan loss allowance to noncurrent loans | 781.4433% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 988 |
| Noncurrent loans to loans | 0.8755% | 1,161 |
| Net loans and leases to total assets | 70.1795% | 1,025 |
| Net loans and leases to deposits | 97.6953% | 261 |
| Net loans and leases to core deposits | 110.4903% | 277 |
| Total domestic deposits to total assets | 71.8351% | 4,644 |
| Equity capital to assets | 18.9149% | 217 |
| Core capital (leverage) ratio | 16.3947% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2973% | 618 |
| Memoranda: | ||
| Average total assets | $29,255,600,000 | 79 |
| Average earning assets | $27,125,000,000 | 77 |
| Average equity | $5,409,400,000 | 48 |
| Average total loans | $20,695,600,000 | 69 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7464% | 20 |
| Cost of funding earning assets | 0.8383% | 206 |
| Net interest margin | 8.9080% | 20 |
| Noninterest income to average assets | 1.9350% | 369 |
| Noninterest expense to average assets | 6.6082% | 111 |
| Loan and lease loss provision to assets | 1.0405% | 35 |
| Net operating income to assets | 1.9122% | 544 |
| Return on assets (ROA) | 1.9122% | 567 |
| Pretax return on assets | 2.5785% | 291 |
| Return on Equity (ROE) | 10.4018% | 2,593 |
| Retained earnings to average equity (ytd only) | 4.8409% | 3,276 |
| Net charge-offs to loans | 3.1349% | 10 |
| Credit loss provision to net charge-offs | 47.6987% | 1,874 |
| Earnings coverage of net charge-offs (x) | 1.6590% | 2,371 |
| Efficiency ratio | 61.6243% | 2,753 |
| Assets per employee ($millions) | 10.0482% | 629 |
| Cash dividends to net income (ytd only)* | 53.4606% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3559% | 20 |
| Loan loss allowance to noncurrent loans | 884.0909% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 1,247 |
| Noncurrent loans to loans | 0.8320% | 1,376 |
| Net loans and leases to total assets | 68.1682% | 1,302 |
| Net loans and leases to deposits | 94.9651% | 379 |
| Net loans and leases to core deposits | 110.0337% | 325 |
| Total domestic deposits to total assets | 71.7824% | 4,691 |
| Equity capital to assets | 19.1666% | 222 |
| Core capital (leverage) ratio | 16.5091% | 353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2932% | 584 |
| Memoranda: | ||
| Average total assets | $29,215,500,000 | 79 |
| Average earning assets | $27,195,750,000 | 77 |
| Average equity | $5,370,750,000 | 49 |
| Average total loans | $20,329,500,000 | 70 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7036% | 17 |
| Cost of funding earning assets | 0.8523% | 230 |
| Net interest margin | 8.8513% | 19 |
| Noninterest income to average assets | 1.7909% | 392 |
| Noninterest expense to average assets | 6.3259% | 114 |
| Loan and lease loss provision to assets | 1.0759% | 35 |
| Net operating income to assets | 1.9898% | 495 |
| Return on assets (ROA) | 1.9951% | 515 |
| Pretax return on assets | 2.6693% | 271 |
| Return on Equity (ROE) | 11.0061% | 2,421 |
| Retained earnings to average equity (ytd only) | 2.8924% | 3,868 |
| Net charge-offs to loans | 3.6300% | 10 |
| Credit loss provision to net charge-offs | 43.4066% | 1,640 |
| Earnings coverage of net charge-offs (x) | 1.5082% | 2,169 |
| Efficiency ratio | 60.3518% | 2,967 |
| Assets per employee ($millions) | 10.1851% | 576 |
| Cash dividends to net income (ytd only)* | 73.7201% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9904% | 18 |
| Loan loss allowance to noncurrent loans | 824.7423% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 1,225 |
| Noncurrent loans to loans | 0.9688% | 1,274 |
| Net loans and leases to total assets | 64.0323% | 1,945 |
| Net loans and leases to deposits | 87.1523% | 837 |
| Net loans and leases to core deposits | 101.9252% | 594 |
| Total domestic deposits to total assets | 73.4717% | 4,674 |
| Equity capital to assets | 18.7433% | 240 |
| Core capital (leverage) ratio | 15.6843% | 412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7438% | 560 |
| Memoranda: | ||
| Average total assets | $29,371,333,333 | 78 |
| Average earning assets | $27,453,666,667 | 77 |
| Average equity | $5,324,333,333 | 49 |
| Average total loans | $20,055,000,000 | 70 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6608% | 17 |
| Cost of funding earning assets | 0.8600% | 270 |
| Net interest margin | 8.8008% | 17 |
| Noninterest income to average assets | 1.5773% | 557 |
| Noninterest expense to average assets | 5.9857% | 118 |
| Loan and lease loss provision to assets | 1.1055% | 33 |
| Net operating income to assets | 2.0761% | 514 |
| Return on assets (ROA) | 2.0761% | 550 |
| Pretax return on assets | 2.7637% | 315 |
| Return on Equity (ROE) | 11.6446% | 2,151 |
| Retained earnings to average equity (ytd only) | -4.0832% | 4,663 |
| Net charge-offs to loans | 4.2052% | 10 |
| Credit loss provision to net charge-offs | 38.8626% | 1,357 |
| Earnings coverage of net charge-offs (x) | 1.3602% | 1,855 |
| Efficiency ratio | 58.2763% | 3,264 |
| Assets per employee ($millions) | 10.0068% | 589 |
| Cash dividends to net income (ytd only)* | 135.0649% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7198% | 16 |
| Loan loss allowance to noncurrent loans | 657.6471% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 1,017 |
| Noncurrent loans to loans | 1.3259% | 979 |
| Net loans and leases to total assets | 59.7515% | 2,570 |
| Net loans and leases to deposits | 79.3769% | 1,583 |
| Net loans and leases to core deposits | 93.7517% | 999 |
| Total domestic deposits to total assets | 75.2757% | 4,614 |
| Equity capital to assets | 17.9101% | 258 |
| Core capital (leverage) ratio | 16.2778% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7579% | 366 |
| Memoranda: | ||
| Average total assets | $29,670,500,000 | 79 |
| Average earning assets | $27,906,500,000 | 77 |
| Average equity | $5,290,000,000 | 50 |
| Average total loans | $20,070,500,000 | 71 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4930% | 17 |
| Cost of funding earning assets | 1.3388% | 159 |
| Net interest margin | 8.1543% | 19 |
| Noninterest income to average assets | 1.6315% | 470 |
| Noninterest expense to average assets | 5.1519% | 177 |
| Loan and lease loss provision to assets | 4.8355% | 9 |
| Net operating income to assets | -0.4236% | 4,865 |
| Return on assets (ROA) | -0.4187% | 4,878 |
| Pretax return on assets | -0.6607% | 4,895 |
| Return on Equity (ROE) | -2.5149% | 4,857 |
| Retained earnings to average equity (ytd only) | -3.1855% | 4,771 |
| Net charge-offs to loans | 4.0079% | 17 |
| Credit loss provision to net charge-offs | 167.8149% | 2,332 |
| Earnings coverage of net charge-offs (x) | 1.4467% | 3,258 |
| Efficiency ratio | 52.5125% | 4,348 |
| Assets per employee ($millions) | 9.5937% | 603 |
| Cash dividends to net income (ytd only)* | -26.6667% | 4,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6374% | 16 |
| Loan loss allowance to noncurrent loans | 580.7074% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 1.0380% | 907 |
| Noncurrent loans to loans | 1.4874% | 897 |
| Net loans and leases to total assets | 63.7596% | 2,394 |
| Net loans and leases to deposits | 85.0837% | 1,338 |
| Net loans and leases to core deposits | 99.8380% | 906 |
| Total domestic deposits to total assets | 74.9374% | 4,578 |
| Equity capital to assets | 17.7497% | 286 |
| Core capital (leverage) ratio | 16.0430% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9518% | 443 |
| Memoranda: | ||
| Average total assets | $32,240,600,000 | 65 |
| Average earning assets | $30,401,200,000 | 61 |
| Average equity | $5,368,000,000 | 48 |
| Average total loans | $23,179,000,000 | 59 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5350% | 18 |
| Cost of funding earning assets | 1.4421% | 147 |
| Net interest margin | 8.0929% | 20 |
| Noninterest income to average assets | 1.6336% | 446 |
| Noninterest expense to average assets | 4.8804% | 198 |
| Loan and lease loss provision to assets | 5.4778% | 9 |
| Net operating income to assets | -0.8110% | 4,929 |
| Return on assets (ROA) | -0.8046% | 4,936 |
| Pretax return on assets | -1.0769% | 4,947 |
| Return on Equity (ROE) | -4.9065% | 4,914 |
| Retained earnings to average equity (ytd only) | -5.6003% | 4,854 |
| Net charge-offs to loans | 4.2953% | 19 |
| Credit loss provision to net charge-offs | 176.2092% | 2,194 |
| Earnings coverage of net charge-offs (x) | 1.4131% | 3,071 |
| Efficiency ratio | 49.8247% | 4,506 |
| Assets per employee ($millions) | 9.6895% | 562 |
| Cash dividends to net income (ytd only)* | -14.1414% | 4,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3966% | 17 |
| Loan loss allowance to noncurrent loans | 706.4257% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.8028% | 1,433 |
| Noncurrent loans to loans | 1.1886% | 1,283 |
| Net loans and leases to total assets | 61.8713% | 3,026 |
| Net loans and leases to deposits | 80.9978% | 2,198 |
| Net loans and leases to core deposits | 98.3195% | 1,288 |
| Total domestic deposits to total assets | 76.3864% | 4,391 |
| Equity capital to assets | 16.9687% | 379 |
| Core capital (leverage) ratio | 15.0751% | 528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7763% | 467 |
| Memoranda: | ||
| Average total assets | $32,810,500,000 | 63 |
| Average earning assets | $30,972,750,000 | 61 |
| Average equity | $5,380,500,000 | 48 |
| Average total loans | $23,746,500,000 | 57 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7106% | 18 |
| Cost of funding earning assets | 1.5720% | 130 |
| Net interest margin | 8.1387% | 22 |
| Noninterest income to average assets | 1.6163% | 398 |
| Noninterest expense to average assets | 4.7712% | 216 |
| Loan and lease loss provision to assets | 6.4175% | 9 |
| Net operating income to assets | -1.4128% | 4,991 |
| Return on assets (ROA) | -1.4128% | 4,992 |
| Pretax return on assets | -1.8857% | 5,005 |
| Return on Equity (ROE) | -8.7090% | 4,972 |
| Retained earnings to average equity (ytd only) | -9.4102% | 4,906 |
| Net charge-offs to loans | 4.4329% | 19 |
| Credit loss provision to net charge-offs | 195.9781% | 1,943 |
| Earnings coverage of net charge-offs (x) | 1.3839% | 2,862 |
| Efficiency ratio | 48.4556% | 4,592 |
| Assets per employee ($millions) | 11.4244% | 355 |
| Cash dividends to net income (ytd only)* | -8.0508% | 5,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7045% | 17 |
| Loan loss allowance to noncurrent loans | 509.2814% | 990 |
| Noncurrent assets plus other real estate owned to assets | 1.0144% | 1,184 |
| Noncurrent loans to loans | 1.5128% | 1,000 |
| Net loans and leases to total assets | 61.8891% | 3,141 |
| Net loans and leases to deposits | 80.8707% | 2,332 |
| Net loans and leases to core deposits | 102.8466% | 1,073 |
| Total domestic deposits to total assets | 76.5285% | 4,374 |
| Equity capital to assets | 15.8967% | 480 |
| Core capital (leverage) ratio | 14.4363% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3072% | 555 |
| Memoranda: | ||
| Average total assets | $33,408,666,667 | 63 |
| Average earning assets | $31,553,000,000 | 60 |
| Average equity | $5,419,666,667 | 47 |
| Average total loans | $24,679,000,000 | 54 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6093% | 20 |
| Cost of funding earning assets | 1.7242% | 116 |
| Net interest margin | 8.8851% | 23 |
| Noninterest income to average assets | 2.0445% | 264 |
| Noninterest expense to average assets | 5.1589% | 210 |
| Loan and lease loss provision to assets | 4.3031% | 21 |
| Net operating income to assets | 0.7107% | 3,240 |
| Return on assets (ROA) | 0.7013% | 3,343 |
| Pretax return on assets | 0.9628% | 2,955 |
| Return on Equity (ROE) | 4.2812% | 3,876 |
| Retained earnings to average equity (ytd only) | 3.4830% | 2,896 |
| Net charge-offs to loans | 4.1571% | 29 |
| Credit loss provision to net charge-offs | 134.0741% | 1,646 |
| Earnings coverage of net charge-offs (x) | 1.6444% | 2,361 |
| Efficiency ratio | 46.9248% | 4,798 |
| Assets per employee ($millions) | 12.2409% | 223 |
| Cash dividends to net income (ytd only)* | 18.6441% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1106% | 42 |
| Loan loss allowance to noncurrent loans | 326.8041% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 1,090 |
| Noncurrent loans to loans | 1.5638% | 999 |
| Net loans and leases to total assets | 70.4248% | 2,183 |
| Net loans and leases to deposits | 97.0325% | 816 |
| Net loans and leases to core deposits | 129.1443% | 282 |
| Total domestic deposits to total assets | 72.5785% | 4,749 |
| Equity capital to assets | 16.5660% | 501 |
| Core capital (leverage) ratio | 15.0954% | 669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1439% | 730 |
| Memoranda: | ||
| Average total assets | $33,650,500,000 | 61 |
| Average earning assets | $31,783,500,000 | 57 |
| Average equity | $5,512,500,000 | 44 |
| Average total loans | $25,979,500,000 | 52 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7976% | 20 |
| Cost of funding earning assets | 2.0640% | 46 |
| Net interest margin | 8.7336% | 24 |
| Noninterest income to average assets | 1.6725% | 344 |
| Noninterest expense to average assets | 5.1840% | 190 |
| Loan and lease loss provision to assets | 3.1962% | 21 |
| Net operating income to assets | 1.0748% | 2,550 |
| Return on assets (ROA) | 1.0771% | 2,633 |
| Pretax return on assets | 1.4595% | 1,941 |
| Return on Equity (ROE) | 7.0329% | 3,539 |
| Retained earnings to average equity (ytd only) | 3.2973% | 3,361 |
| Net charge-offs to loans | 3.9508% | 22 |
| Credit loss provision to net charge-offs | 103.6932% | 2,386 |
| Earnings coverage of net charge-offs (x) | 1.5095% | 3,527 |
| Efficiency ratio | 50.0297% | 4,731 |
| Assets per employee ($millions) | 12.1970% | 210 |
| Cash dividends to net income (ytd only)* | 53.1165% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3318% | 49 |
| Loan loss allowance to noncurrent loans | 291.8114% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 992 |
| Noncurrent loans to loans | 1.4845% | 980 |
| Net loans and leases to total assets | 76.6792% | 1,298 |
| Net loans and leases to deposits | 107.4911% | 239 |
| Net loans and leases to core deposits | 142.1332% | 163 |
| Total domestic deposits to total assets | 71.3354% | 4,887 |
| Equity capital to assets | 16.1997% | 571 |
| Core capital (leverage) ratio | 14.5835% | 781 |
| Tier 1 risk-based capital ratio | 17.7020% | 1,838 |
| Total risk-based capital ratio | 19.5319% | 1,653 |
| Memoranda: | ||
| Average total assets | $34,259,094,800 | 55 |
| Average earning assets | $32,025,727,400 | 54 |
| Average equity | $5,246,745,800 | 43 |
| Average total loans | $26,728,541,200 | 47 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7911% | 22 |
| Cost of funding earning assets | 2.1258% | 37 |
| Net interest margin | 8.6654% | 25 |
| Noninterest income to average assets | 1.7735% | 317 |
| Noninterest expense to average assets | 5.2818% | 177 |
| Loan and lease loss provision to assets | 2.9882% | 24 |
| Net operating income to assets | 1.1612% | 2,329 |
| Return on assets (ROA) | 1.1642% | 2,409 |
| Pretax return on assets | 1.5911% | 1,667 |
| Return on Equity (ROE) | 7.7119% | 3,429 |
| Retained earnings to average equity (ytd only) | 2.9562% | 3,902 |
| Net charge-offs to loans | 4.0264% | 25 |
| Credit loss provision to net charge-offs | 95.7711% | 2,332 |
| Earnings coverage of net charge-offs (x) | 1.4664% | 3,287 |
| Efficiency ratio | 50.9055% | 4,682 |
| Assets per employee ($millions) | 10.9628% | 275 |
| Cash dividends to net income (ytd only)* | 61.6667% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1568% | 57 |
| Loan loss allowance to noncurrent loans | 302.1918% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 1.0597% | 1,248 |
| Noncurrent loans to loans | 1.3755% | 1,120 |
| Net loans and leases to total assets | 73.8336% | 1,849 |
| Net loans and leases to deposits | 102.3709% | 490 |
| Net loans and leases to core deposits | 139.2847% | 190 |
| Total domestic deposits to total assets | 72.1237% | 4,912 |
| Equity capital to assets | 15.7614% | 682 |
| Core capital (leverage) ratio | 14.0489% | 972 |
| Tier 1 risk-based capital ratio | 17.6527% | 1,909 |
| Total risk-based capital ratio | 19.4848% | 1,717 |
| Memoranda: | ||
| Average total assets | $34,356,118,500 | 56 |
| Average earning assets | $32,050,159,250 | 55 |
| Average equity | $5,186,682,250 | 44 |
| Average total loans | $26,623,676,500 | 47 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7040% | 22 |
| Cost of funding earning assets | 2.1071% | 34 |
| Net interest margin | 8.5968% | 24 |
| Noninterest income to average assets | 1.6372% | 347 |
| Noninterest expense to average assets | 4.8942% | 232 |
| Loan and lease loss provision to assets | 3.1171% | 27 |
| Net operating income to assets | 1.2131% | 2,099 |
| Return on assets (ROA) | 1.2177% | 2,138 |
| Pretax return on assets | 1.6664% | 1,345 |
| Return on Equity (ROE) | 8.1866% | 3,212 |
| Retained earnings to average equity (ytd only) | 1.3710% | 4,328 |
| Net charge-offs to loans | 4.1121% | 25 |
| Credit loss provision to net charge-offs | 97.6277% | 2,036 |
| Earnings coverage of net charge-offs (x) | 1.4964% | 3,013 |
| Efficiency ratio | 47.8916% | 4,906 |
| Assets per employee ($millions) | 10.6865% | 286 |
| Cash dividends to net income (ytd only)* | 83.2536% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1989% | 57 |
| Loan loss allowance to noncurrent loans | 309.6419% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 1,355 |
| Noncurrent loans to loans | 1.3560% | 1,147 |
| Net loans and leases to total assets | 72.5439% | 2,143 |
| Net loans and leases to deposits | 104.2946% | 410 |
| Net loans and leases to core deposits | 143.1642% | 175 |
| Total domestic deposits to total assets | 69.5567% | 5,060 |
| Equity capital to assets | 15.1311% | 778 |
| Core capital (leverage) ratio | 14.0327% | 949 |
| Tier 1 risk-based capital ratio | 16.9536% | 2,106 |
| Total risk-based capital ratio | 18.7776% | 1,895 |
| Memoranda: | ||
| Average total assets | $34,326,491,330 | 56 |
| Average earning assets | $32,081,545,670 | 55 |
| Average equity | $5,105,909,670 | 45 |
| Average total loans | $26,653,235,330 | 47 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8483% | 20 |
| Cost of funding earning assets | 2.1041% | 31 |
| Net interest margin | 8.7442% | 25 |
| Noninterest income to average assets | 1.5260% | 371 |
| Noninterest expense to average assets | 4.8145% | 234 |
| Loan and lease loss provision to assets | 3.2886% | 24 |
| Net operating income to assets | 1.1972% | 2,068 |
| Return on assets (ROA) | 1.2066% | 2,081 |
| Pretax return on assets | 1.6443% | 1,362 |
| Return on Equity (ROE) | 8.1856% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.2226% | 1,961 |
| Net charge-offs to loans | 4.0759% | 26 |
| Credit loss provision to net charge-offs | 102.5830% | 1,549 |
| Earnings coverage of net charge-offs (x) | 1.5351% | 2,583 |
| Efficiency ratio | 46.6586% | 4,995 |
| Assets per employee ($millions) | 9.9861% | 341 |
| Cash dividends to net income (ytd only)* | 11.7647% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3642% | 49 |
| Loan loss allowance to noncurrent loans | 290.3553% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 1,192 |
| Noncurrent loans to loans | 1.5031% | 1,071 |
| Net loans and leases to total assets | 72.5964% | 2,061 |
| Net loans and leases to deposits | 101.9272% | 505 |
| Net loans and leases to core deposits | 142.9737% | 165 |
| Total domestic deposits to total assets | 71.2238% | 5,070 |
| Equity capital to assets | 14.5662% | 865 |
| Core capital (leverage) ratio | 13.0978% | 1,226 |
| Tier 1 risk-based capital ratio | 16.2995% | 2,340 |
| Total risk-based capital ratio | 18.1472% | 2,087 |
| Memoranda: | ||
| Average total assets | $33,814,237,000 | 57 |
| Average earning assets | $31,746,818,500 | 56 |
| Average equity | $4,984,364,500 | 48 |
| Average total loans | $26,595,353,000 | 48 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5682% | 19 |
| Cost of funding earning assets | 1.6535% | 50 |
| Net interest margin | 8.9147% | 23 |
| Noninterest income to average assets | 1.8099% | 308 |
| Noninterest expense to average assets | 5.1033% | 194 |
| Loan and lease loss provision to assets | 3.2164% | 18 |
| Net operating income to assets | 1.4227% | 1,352 |
| Return on assets (ROA) | 1.4237% | 1,349 |
| Pretax return on assets | 1.8577% | 800 |
| Return on Equity (ROE) | 9.9713% | 2,530 |
| Retained earnings to average equity (ytd only) | 9.0355% | 848 |
| Net charge-offs to loans | 4.0928% | 25 |
| Credit loss provision to net charge-offs | 99.6642% | 2,570 |
| Earnings coverage of net charge-offs (x) | 1.5719% | 3,610 |
| Efficiency ratio | 47.4528% | 5,065 |
| Assets per employee ($millions) | 9.2968% | 420 |
| Cash dividends to net income (ytd only)* | 9.3845% | 3,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2149% | 47 |
| Loan loss allowance to noncurrent loans | 285.7084% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2025% | 1,088 |
| Noncurrent loans to loans | 1.4753% | 1,038 |
| Net loans and leases to total assets | 78.0766% | 1,261 |
| Net loans and leases to deposits | 110.0400% | 253 |
| Net loans and leases to core deposits | 157.1093% | 104 |
| Total domestic deposits to total assets | 70.9529% | 5,124 |
| Equity capital to assets | 14.9222% | 727 |
| Core capital (leverage) ratio | 13.2713% | 1,151 |
| Tier 1 risk-based capital ratio | 15.4930% | 2,623 |
| Total risk-based capital ratio | 17.3254% | 2,321 |
| Memoranda: | ||
| Average total assets | $33,452,721,400 | 56 |
| Average earning assets | $31,394,190,600 | 55 |
| Average equity | $4,776,366,000 | 48 |
| Average total loans | $26,377,484,200 | 47 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4098% | 20 |
| Cost of funding earning assets | 1.5761% | 52 |
| Net interest margin | 8.8337% | 24 |
| Noninterest income to average assets | 1.9040% | 298 |
| Noninterest expense to average assets | 5.0237% | 199 |
| Loan and lease loss provision to assets | 3.1394% | 22 |
| Net operating income to assets | 1.5721% | 1,022 |
| Return on assets (ROA) | 1.5749% | 1,013 |
| Pretax return on assets | 2.0310% | 576 |
| Return on Equity (ROE) | 11.1542% | 2,113 |
| Retained earnings to average equity (ytd only) | 10.2276% | 846 |
| Net charge-offs to loans | 4.0863% | 24 |
| Credit loss provision to net charge-offs | 98.2540% | 2,319 |
| Earnings coverage of net charge-offs (x) | 1.6171% | 3,333 |
| Efficiency ratio | 46.6145% | 5,119 |
| Assets per employee ($millions) | 8.9585% | 455 |
| Cash dividends to net income (ytd only)* | 8.3071% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4159% | 48 |
| Loan loss allowance to noncurrent loans | 304.3521% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 1.1229% | 1,269 |
| Noncurrent loans to loans | 1.4509% | 1,130 |
| Net loans and leases to total assets | 73.9745% | 1,989 |
| Net loans and leases to deposits | 106.1032% | 436 |
| Net loans and leases to core deposits | 154.9392% | 107 |
| Total domestic deposits to total assets | 69.7194% | 5,224 |
| Equity capital to assets | 14.7712% | 768 |
| Core capital (leverage) ratio | 12.9622% | 1,299 |
| Tier 1 risk-based capital ratio | 16.0546% | 2,430 |
| Total risk-based capital ratio | 17.9212% | 2,159 |
| Memoranda: | ||
| Average total assets | $33,541,783,250 | 56 |
| Average earning assets | $31,464,329,000 | 55 |
| Average equity | $4,735,775,250 | 48 |
| Average total loans | $26,227,428,750 | 47 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2901% | 22 |
| Cost of funding earning assets | 1.4624% | 59 |
| Net interest margin | 8.8277% | 25 |
| Noninterest income to average assets | 2.0246% | 268 |
| Noninterest expense to average assets | 4.9780% | 217 |
| Loan and lease loss provision to assets | 3.1675% | 18 |
| Net operating income to assets | 1.6911% | 731 |
| Return on assets (ROA) | 1.6933% | 736 |
| Pretax return on assets | 2.1667% | 413 |
| Return on Equity (ROE) | 12.1765% | 1,661 |
| Retained earnings to average equity (ytd only) | 11.2609% | 623 |
| Net charge-offs to loans | 4.1876% | 24 |
| Credit loss provision to net charge-offs | 96.4115% | 2,099 |
| Earnings coverage of net charge-offs (x) | 1.6228% | 3,043 |
| Efficiency ratio | 45.6613% | 5,225 |
| Assets per employee ($millions) | 8.8286% | 475 |
| Cash dividends to net income (ytd only)* | 7.5194% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4497% | 47 |
| Loan loss allowance to noncurrent loans | 319.2678% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 1.0724% | 1,384 |
| Noncurrent loans to loans | 1.3937% | 1,214 |
| Net loans and leases to total assets | 73.5202% | 2,026 |
| Net loans and leases to deposits | 101.6134% | 689 |
| Net loans and leases to core deposits | 157.1999% | 91 |
| Total domestic deposits to total assets | 72.3528% | 5,152 |
| Equity capital to assets | 14.5743% | 789 |
| Core capital (leverage) ratio | 12.3311% | 1,523 |
| Tier 1 risk-based capital ratio | 15.8124% | 2,504 |
| Total risk-based capital ratio | 17.6880% | 2,220 |
| Memoranda: | ||
| Average total assets | $33,733,263,330 | 56 |
| Average earning assets | $31,658,554,670 | 54 |
| Average equity | $4,691,146,000 | 48 |
| Average total loans | $26,465,203,000 | 47 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8785% | 22 |
| Cost of funding earning assets | 1.3952% | 58 |
| Net interest margin | 8.4833% | 23 |
| Noninterest income to average assets | 1.5238% | 417 |
| Noninterest expense to average assets | 4.7336% | 254 |
| Loan and lease loss provision to assets | 2.9664% | 20 |
| Net operating income to assets | 1.6291% | 802 |
| Return on assets (ROA) | 1.6306% | 800 |
| Pretax return on assets | 1.7727% | 961 |
| Return on Equity (ROE) | 12.0008% | 1,580 |
| Retained earnings to average equity (ytd only) | 11.1040% | 871 |
| Net charge-offs to loans | 4.0396% | 24 |
| Credit loss provision to net charge-offs | 92.7455% | 1,650 |
| Earnings coverage of net charge-offs (x) | 1.4812% | 2,553 |
| Efficiency ratio | 47.1819% | 5,228 |
| Assets per employee ($millions) | 8.9979% | 440 |
| Cash dividends to net income (ytd only)* | 7.4722% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2404% | 52 |
| Loan loss allowance to noncurrent loans | 281.9756% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 1.1635% | 1,320 |
| Noncurrent loans to loans | 1.5038% | 1,171 |
| Net loans and leases to total assets | 74.0866% | 1,844 |
| Net loans and leases to deposits | 102.3528% | 561 |
| Net loans and leases to core deposits | 161.0743% | 84 |
| Total domestic deposits to total assets | 72.3836% | 5,259 |
| Equity capital to assets | 13.8137% | 942 |
| Core capital (leverage) ratio | 11.5929% | 1,940 |
| Tier 1 risk-based capital ratio | 14.5694% | 3,086 |
| Total risk-based capital ratio | 16.4114% | 2,735 |
| Memoranda: | ||
| Average total assets | $34,231,714,500 | 56 |
| Average earning assets | $32,068,583,500 | 54 |
| Average equity | $4,651,170,000 | 49 |
| Average total loans | $27,103,477,500 | 48 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2772% | 20 |
| Cost of funding earning assets | 1.1988% | 72 |
| Net interest margin | 9.0784% | 22 |
| Noninterest income to average assets | 2.3581% | 235 |
| Noninterest expense to average assets | 5.3949% | 177 |
| Loan and lease loss provision to assets | 3.8873% | 17 |
| Net operating income to assets | 0.2229% | 5,061 |
| Return on assets (ROA) | 0.2229% | 5,082 |
| Pretax return on assets | 1.5374% | 1,497 |
| Return on Equity (ROE) | 1.6755% | 5,114 |
| Retained earnings to average equity (ytd only) | 0.8717% | 4,683 |
| Net charge-offs to loans | 3.4104% | 34 |
| Credit loss provision to net charge-offs | 142.7379% | 1,860 |
| Earnings coverage of net charge-offs (x) | 1.9919% | 3,818 |
| Efficiency ratio | 47.1666% | 5,349 |
| Assets per employee ($millions) | 9.4262% | 384 |
| Cash dividends to net income (ytd only)* | 47.9716% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1071% | 57 |
| Loan loss allowance to noncurrent loans | 317.4052% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 1.0492% | 1,456 |
| Noncurrent loans to loans | 1.2939% | 1,351 |
| Net loans and leases to total assets | 77.7520% | 1,311 |
| Net loans and leases to deposits | 108.2867% | 316 |
| Net loans and leases to core deposits | 179.6251% | 54 |
| Total domestic deposits to total assets | 71.8020% | 5,332 |
| Equity capital to assets | 13.4058% | 1,095 |
| Core capital (leverage) ratio | 11.8246% | 1,706 |
| Tier 1 risk-based capital ratio | 13.8474% | 3,448 |
| Total risk-based capital ratio | 15.6644% | 3,044 |
| Memoranda: | ||
| Average total assets | $32,386,350,200 | 55 |
| Average earning assets | $30,185,868,600 | 53 |
| Average equity | $4,309,238,000 | 47 |
| Average total loans | $25,862,798,200 | 47 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3487% | 19 |
| Cost of funding earning assets | 1.1544% | 83 |
| Net interest margin | 9.1943% | 22 |
| Noninterest income to average assets | 2.6283% | 218 |
| Noninterest expense to average assets | 4.8082% | 246 |
| Loan and lease loss provision to assets | 4.5713% | 16 |
| Net operating income to assets | 1.1337% | 1,940 |
| Return on assets (ROA) | 1.1337% | 1,997 |
| Pretax return on assets | 1.8181% | 847 |
| Return on Equity (ROE) | 8.5377% | 2,846 |
| Retained earnings to average equity (ytd only) | 7.7679% | 1,316 |
| Net charge-offs to loans | 3.1775% | 40 |
| Credit loss provision to net charge-offs | 180.4071% | 1,469 |
| Earnings coverage of net charge-offs (x) | 2.5216% | 3,454 |
| Efficiency ratio | 40.2921% | 5,576 |
| Assets per employee ($millions) | 8.9422% | 450 |
| Cash dividends to net income (ytd only)* | 9.0166% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7177% | 46 |
| Loan loss allowance to noncurrent loans | 403.0836% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 1,816 |
| Noncurrent loans to loans | 1.1704% | 1,643 |
| Net loans and leases to total assets | 76.4373% | 1,512 |
| Net loans and leases to deposits | 108.8474% | 314 |
| Net loans and leases to core deposits | 176.6799% | 59 |
| Total domestic deposits to total assets | 70.2242% | 5,470 |
| Equity capital to assets | 12.9002% | 1,439 |
| Core capital (leverage) ratio | 11.3334% | 2,154 |
| Tier 1 risk-based capital ratio | 13.2968% | 3,824 |
| Total risk-based capital ratio | 15.1598% | 3,417 |
| Memoranda: | ||
| Average total assets | $31,919,268,750 | 55 |
| Average earning assets | $29,749,677,750 | 53 |
| Average equity | $4,238,522,000 | 47 |
| Average total loans | $25,454,264,250 | 46 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3938% | 20 |
| Cost of funding earning assets | 1.1079% | 95 |
| Net interest margin | 9.2859% | 22 |
| Noninterest income to average assets | 3.1556% | 179 |
| Noninterest expense to average assets | 4.8236% | 245 |
| Loan and lease loss provision to assets | 3.3711% | 23 |
| Net operating income to assets | 2.2195% | 205 |
| Return on assets (ROA) | 2.2195% | 208 |
| Pretax return on assets | 3.5841% | 87 |
| Return on Equity (ROE) | 16.5492% | 452 |
| Retained earnings to average equity (ytd only) | 15.8673% | 108 |
| Net charge-offs to loans | 3.1678% | 42 |
| Credit loss provision to net charge-offs | 133.7237% | 1,647 |
| Earnings coverage of net charge-offs (x) | 2.7590% | 3,131 |
| Efficiency ratio | 38.3954% | 5,657 |
| Assets per employee ($millions) | 9.0970% | 409 |
| Cash dividends to net income (ytd only)* | 4.1201% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5537% | 89 |
| Loan loss allowance to noncurrent loans | 324.0891% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 1,973 |
| Noncurrent loans to loans | 1.0965% | 1,786 |
| Net loans and leases to total assets | 79.0825% | 1,084 |
| Net loans and leases to deposits | 114.0275% | 195 |
| Net loans and leases to core deposits | 183.3238% | 55 |
| Total domestic deposits to total assets | 69.3539% | 5,560 |
| Equity capital to assets | 14.1374% | 924 |
| Core capital (leverage) ratio | 12.0676% | 1,593 |
| Tier 1 risk-based capital ratio | 13.9299% | 3,461 |
| Total risk-based capital ratio | 15.7966% | 3,060 |
| Memoranda: | ||
| Average total assets | $31,536,223,670 | 55 |
| Average earning assets | $29,285,657,000 | 53 |
| Average equity | $4,229,402,000 | 47 |
| Average total loans | $25,096,315,670 | 46 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6700% | 19 |
| Cost of funding earning assets | 1.0860% | 105 |
| Net interest margin | 9.5840% | 20 |
| Noninterest income to average assets | 4.6938% | 127 |
| Noninterest expense to average assets | 4.8297% | 264 |
| Loan and lease loss provision to assets | 2.8650% | 23 |
| Net operating income to assets | 3.6801% | 64 |
| Return on assets (ROA) | 3.6801% | 64 |
| Pretax return on assets | 5.9154% | 43 |
| Return on Equity (ROE) | 28.1775% | 58 |
| Retained earnings to average equity (ytd only) | 27.7160% | 37 |
| Net charge-offs to loans | 2.8871% | 54 |
| Credit loss provision to net charge-offs | 126.5583% | 1,338 |
| Earnings coverage of net charge-offs (x) | 3.8786% | 2,440 |
| Efficiency ratio | 33.2786% | 5,780 |
| Assets per employee ($millions) | 9.8089% | 327 |
| Cash dividends to net income (ytd only)* | 1.6376% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3972% | 123 |
| Loan loss allowance to noncurrent loans | 284.7455% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 2,036 |
| Noncurrent loans to loans | 1.1931% | 1,692 |
| Net loans and leases to total assets | 73.7662% | 1,782 |
| Net loans and leases to deposits | 105.0526% | 359 |
| Net loans and leases to core deposits | 172.4135% | 55 |
| Total domestic deposits to total assets | 70.2184% | 5,622 |
| Equity capital to assets | 13.7850% | 975 |
| Core capital (leverage) ratio | 11.6629% | 1,847 |
| Tier 1 risk-based capital ratio | 14.7409% | 3,097 |
| Total risk-based capital ratio | 16.6295% | 2,736 |
| Memoranda: | ||
| Average total assets | $31,898,542,000 | 55 |
| Average earning assets | $29,676,378,500 | 53 |
| Average equity | $4,166,125,500 | 48 |
| Average total loans | $25,012,283,500 | 45 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6856% | 19 |
| Cost of funding earning assets | 1.1371% | 71 |
| Net interest margin | 9.5484% | 21 |
| Noninterest income to average assets | 1.6338% | 453 |
| Noninterest expense to average assets | 4.6965% | 316 |
| Loan and lease loss provision to assets | 3.3993% | 17 |
| Net operating income to assets | 1.4857% | 857 |
| Return on assets (ROA) | 1.4857% | 877 |
| Pretax return on assets | 2.3817% | 237 |
| Return on Equity (ROE) | 11.8229% | 1,301 |
| Retained earnings to average equity (ytd only) | 10.8769% | 318 |
| Net charge-offs to loans | 4.2901% | 19 |
| Credit loss provision to net charge-offs | 98.4854% | 2,634 |
| Earnings coverage of net charge-offs (x) | 1.6749% | 3,956 |
| Efficiency ratio | 42.1114% | 5,743 |
| Assets per employee ($millions) | 11.0117% | 225 |
| Cash dividends to net income (ytd only)* | 8.0012% | 4,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8026% | 222 |
| Loan loss allowance to noncurrent loans | 297.5329% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 2,474 |
| Noncurrent loans to loans | 0.9420% | 2,202 |
| Net loans and leases to total assets | 78.0374% | 1,193 |
| Net loans and leases to deposits | 111.3451% | 196 |
| Net loans and leases to core deposits | 193.8609% | 42 |
| Total domestic deposits to total assets | 70.0860% | 5,662 |
| Equity capital to assets | 12.3632% | 1,598 |
| Core capital (leverage) ratio | 10.8386% | 2,498 |
| Tier 1 risk-based capital ratio | 12.5283% | 4,361 |
| Total risk-based capital ratio | 14.5226% | 3,829 |
| Memoranda: | ||
| Average total assets | $30,156,900,400 | 55 |
| Average earning assets | $27,931,203,200 | 54 |
| Average equity | $3,789,628,600 | 49 |
| Average total loans | $24,263,128,800 | 47 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6287% | 18 |
| Cost of funding earning assets | 1.1308% | 74 |
| Net interest margin | 9.4979% | 20 |
| Noninterest income to average assets | 1.5856% | 491 |
| Noninterest expense to average assets | 4.6016% | 352 |
| Loan and lease loss provision to assets | 3.3726% | 15 |
| Net operating income to assets | 1.5072% | 867 |
| Return on assets (ROA) | 1.5072% | 917 |
| Pretax return on assets | 2.3873% | 260 |
| Return on Equity (ROE) | 11.9405% | 1,345 |
| Retained earnings to average equity (ytd only) | 10.9749% | 433 |
| Net charge-offs to loans | 3.1603% | 36 |
| Credit loss provision to net charge-offs | 132.5616% | 1,954 |
| Earnings coverage of net charge-offs (x) | 2.2639% | 3,594 |
| Efficiency ratio | 41.8151% | 5,789 |
| Assets per employee ($millions) | 10.7222% | 234 |
| Cash dividends to net income (ytd only)* | 8.0867% | 3,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7754% | 91 |
| Loan loss allowance to noncurrent loans | 328.2875% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.9076% | 2,285 |
| Noncurrent loans to loans | 1.1500% | 1,954 |
| Net loans and leases to total assets | 75.9408% | 1,528 |
| Net loans and leases to deposits | 108.7526% | 286 |
| Net loans and leases to core deposits | 189.9149% | 50 |
| Total domestic deposits to total assets | 69.8290% | 5,708 |
| Equity capital to assets | 12.3925% | 1,842 |
| Core capital (leverage) ratio | 11.1260% | 2,335 |
| Tier 1 risk-based capital ratio | 13.0744% | 4,118 |
| Total risk-based capital ratio | 15.2503% | 3,482 |
| Memoranda: | ||
| Average total assets | $29,569,468,750 | 56 |
| Average earning assets | $27,321,619,000 | 55 |
| Average equity | $3,732,322,000 | 51 |
| Average total loans | $23,804,220,500 | 48 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4537% | 18 |
| Cost of funding earning assets | 1.1306% | 76 |
| Net interest margin | 9.3231% | 20 |
| Noninterest income to average assets | 1.7479% | 420 |
| Noninterest expense to average assets | 4.5240% | 379 |
| Loan and lease loss provision to assets | 3.2083% | 17 |
| Net operating income to assets | 1.7217% | 558 |
| Return on assets (ROA) | 1.7217% | 586 |
| Pretax return on assets | 2.5865% | 196 |
| Return on Equity (ROE) | 13.5516% | 917 |
| Retained earnings to average equity (ytd only) | 12.5806% | 265 |
| Net charge-offs to loans | 3.1884% | 41 |
| Credit loss provision to net charge-offs | 124.1207% | 1,814 |
| Earnings coverage of net charge-offs (x) | 2.2419% | 3,303 |
| Efficiency ratio | 41.2655% | 5,882 |
| Assets per employee ($millions) | 10.0653% | 276 |
| Cash dividends to net income (ytd only)* | 7.1651% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4490% | 128 |
| Loan loss allowance to noncurrent loans | 334.9263% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.8429% | 2,486 |
| Noncurrent loans to loans | 1.0298% | 2,224 |
| Net loans and leases to total assets | 79.0275% | 1,062 |
| Net loans and leases to deposits | 112.7741% | 196 |
| Net loans and leases to core deposits | 195.9981% | 48 |
| Total domestic deposits to total assets | 70.0759% | 5,779 |
| Equity capital to assets | 12.7474% | 1,639 |
| Core capital (leverage) ratio | 11.5728% | 1,930 |
| Tier 1 risk-based capital ratio | 13.1151% | 4,124 |
| Total risk-based capital ratio | 15.3403% | 3,469 |
| Memoranda: | ||
| Average total assets | $29,011,170,330 | 56 |
| Average earning assets | $26,670,930,000 | 56 |
| Average equity | $3,685,773,670 | 51 |
| Average total loans | $23,519,575,330 | 48 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2287% | 20 |
| Cost of funding earning assets | 1.1277% | 80 |
| Net interest margin | 9.1011% | 23 |
| Noninterest income to average assets | 1.6994% | 425 |
| Noninterest expense to average assets | 4.5501% | 375 |
| Loan and lease loss provision to assets | 2.8180% | 25 |
| Net operating income to assets | 1.9389% | 372 |
| Return on assets (ROA) | 1.9389% | 395 |
| Pretax return on assets | 2.6944% | 173 |
| Return on Equity (ROE) | 15.2875% | 627 |
| Retained earnings to average equity (ytd only) | 14.3219% | 297 |
| Net charge-offs to loans | 3.0842% | 33 |
| Credit loss provision to net charge-offs | 113.2690% | 1,491 |
| Earnings coverage of net charge-offs (x) | 2.2157% | 2,719 |
| Efficiency ratio | 42.7909% | 5,898 |
| Assets per employee ($millions) | 10.1516% | 257 |
| Cash dividends to net income (ytd only)* | 6.3164% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3190% | 161 |
| Loan loss allowance to noncurrent loans | 302.8788% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.8666% | 2,529 |
| Noncurrent loans to loans | 1.0958% | 2,206 |
| Net loans and leases to total assets | 76.4618% | 1,322 |
| Net loans and leases to deposits | 108.5673% | 266 |
| Net loans and leases to core deposits | 195.5262% | 43 |
| Total domestic deposits to total assets | 70.4280% | 5,850 |
| Equity capital to assets | 12.5696% | 1,639 |
| Core capital (leverage) ratio | 11.2703% | 2,172 |
| Tier 1 risk-based capital ratio | 12.9489% | 4,299 |
| Total risk-based capital ratio | 15.2106% | 3,642 |
| Memoranda: | ||
| Average total assets | $28,680,473,000 | 57 |
| Average earning assets | $26,354,888,000 | 56 |
| Average equity | $3,637,426,500 | 52 |
| Average total loans | $23,135,791,500 | 48 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4061% | 25 |
| Cost of funding earning assets | 1.0452% | 133 |
| Net interest margin | 8.3608% | 26 |
| Noninterest income to average assets | 2.1362% | 320 |
| Noninterest expense to average assets | 4.9505% | 287 |
| Loan and lease loss provision to assets | 2.8130% | 17 |
| Net operating income to assets | 1.1938% | 1,573 |
| Return on assets (ROA) | 1.1938% | 1,646 |
| Pretax return on assets | 2.0684% | 468 |
| Return on Equity (ROE) | 9.3763% | 2,281 |
| Retained earnings to average equity (ytd only) | 8.3489% | 812 |
| Net charge-offs to loans | 2.7699% | 38 |
| Credit loss provision to net charge-offs | 123.2729% | 2,102 |
| Earnings coverage of net charge-offs (x) | 2.1392% | 3,968 |
| Efficiency ratio | 45.8001% | 5,931 |
| Assets per employee ($millions) | 9.3276% | 342 |
| Cash dividends to net income (ytd only)* | 10.9578% | 4,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2424% | 166 |
| Loan loss allowance to noncurrent loans | 302.0609% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 2,463 |
| Noncurrent loans to loans | 1.0734% | 2,195 |
| Net loans and leases to total assets | 79.6565% | 884 |
| Net loans and leases to deposits | 115.2622% | 152 |
| Net loans and leases to core deposits | 213.6502% | 39 |
| Total domestic deposits to total assets | 69.1089% | 5,934 |
| Equity capital to assets | 12.8011% | 1,464 |
| Core capital (leverage) ratio | 11.8050% | 1,756 |
| Tier 1 risk-based capital ratio | 13.0444% | 4,278 |
| Total risk-based capital ratio | 15.3157% | 3,597 |
| Memoranda: | ||
| Average total assets | $26,237,670,000 | 60 |
| Average earning assets | $24,150,711,400 | 59 |
| Average equity | $3,340,557,800 | 53 |
| Average total loans | $21,615,360,600 | 46 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1896% | 27 |
| Cost of funding earning assets | 1.0388% | 145 |
| Net interest margin | 8.1508% | 31 |
| Noninterest income to average assets | 2.1135% | 332 |
| Noninterest expense to average assets | 5.0015% | 285 |
| Loan and lease loss provision to assets | 2.6470% | 18 |
| Net operating income to assets | 1.1275% | 1,905 |
| Return on assets (ROA) | 1.1275% | 1,979 |
| Pretax return on assets | 1.9692% | 637 |
| Return on Equity (ROE) | 8.8688% | 2,648 |
| Retained earnings to average equity (ytd only) | 7.8302% | 1,315 |
| Net charge-offs to loans | 2.7461% | 39 |
| Credit loss provision to net charge-offs | 116.9841% | 2,032 |
| Earnings coverage of net charge-offs (x) | 2.0401% | 3,740 |
| Efficiency ratio | 46.6503% | 5,938 |
| Assets per employee ($millions) | 9.0679% | 362 |
| Cash dividends to net income (ytd only)* | 11.7106% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1090% | 219 |
| Loan loss allowance to noncurrent loans | 323.8631% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 2,909 |
| Noncurrent loans to loans | 0.9600% | 2,584 |
| Net loans and leases to total assets | 79.8871% | 837 |
| Net loans and leases to deposits | 117.0674% | 136 |
| Net loans and leases to core deposits | 197.3091% | 46 |
| Total domestic deposits to total assets | 68.2403% | 6,030 |
| Equity capital to assets | 13.0551% | 1,417 |
| Core capital (leverage) ratio | 11.8179% | 1,802 |
| Tier 1 risk-based capital ratio | 13.2587% | 4,282 |
| Total risk-based capital ratio | 15.5081% | 3,631 |
| Memoranda: | ||
| Average total assets | $25,799,019,750 | 60 |
| Average earning assets | $23,752,222,000 | 60 |
| Average equity | $3,279,866,750 | 54 |
| Average total loans | $21,257,982,000 | 43 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9041% | 30 |
| Cost of funding earning assets | 1.0220% | 160 |
| Net interest margin | 7.8820% | 34 |
| Noninterest income to average assets | 2.1013% | 347 |
| Noninterest expense to average assets | 4.8015% | 332 |
| Loan and lease loss provision to assets | 2.7696% | 17 |
| Net operating income to assets | 1.0863% | 1,991 |
| Return on assets (ROA) | 1.0863% | 2,095 |
| Pretax return on assets | 1.7871% | 916 |
| Return on Equity (ROE) | 8.6257% | 2,737 |
| Retained earnings to average equity (ytd only) | 7.5791% | 1,438 |
| Net charge-offs to loans | 2.7603% | 44 |
| Credit loss provision to net charge-offs | 121.7967% | 1,779 |
| Earnings coverage of net charge-offs (x) | 2.0038% | 3,420 |
| Efficiency ratio | 48.3296% | 5,943 |
| Assets per employee ($millions) | 8.9283% | 380 |
| Cash dividends to net income (ytd only)* | 12.1328% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1158% | 242 |
| Loan loss allowance to noncurrent loans | 347.6714% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.7327% | 3,183 |
| Noncurrent loans to loans | 0.8962% | 2,885 |
| Net loans and leases to total assets | 79.2044% | 909 |
| Net loans and leases to deposits | 118.8831% | 106 |
| Net loans and leases to core deposits | 197.4075% | 47 |
| Total domestic deposits to total assets | 66.6237% | 6,151 |
| Equity capital to assets | 12.9759% | 1,419 |
| Core capital (leverage) ratio | 11.7214% | 1,824 |
| Tier 1 risk-based capital ratio | 13.0322% | 4,499 |
| Total risk-based capital ratio | 15.3770% | 3,779 |
| Memoranda: | ||
| Average total assets | $25,527,276,330 | 59 |
| Average earning assets | $23,502,437,000 | 59 |
| Average equity | $3,214,980,000 | 53 |
| Average total loans | $21,029,444,670 | 43 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8717% | 29 |
| Cost of funding earning assets | 1.0043% | 178 |
| Net interest margin | 7.8674% | 34 |
| Noninterest income to average assets | 2.1844% | 325 |
| Noninterest expense to average assets | 4.9464% | 306 |
| Loan and lease loss provision to assets | 2.8786% | 19 |
| Net operating income to assets | 0.9661% | 2,418 |
| Return on assets (ROA) | 0.9661% | 2,550 |
| Pretax return on assets | 1.5818% | 1,314 |
| Return on Equity (ROE) | 7.7948% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.7576% | 2,122 |
| Net charge-offs to loans | 2.8118% | 49 |
| Credit loss provision to net charge-offs | 123.7736% | 1,419 |
| Earnings coverage of net charge-offs (x) | 1.9179% | 2,849 |
| Efficiency ratio | 49.5334% | 5,943 |
| Assets per employee ($millions) | 8.8126% | 389 |
| Cash dividends to net income (ytd only)* | 13.3061% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1337% | 266 |
| Loan loss allowance to noncurrent loans | 320.1711% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.7958% | 3,121 |
| Noncurrent loans to loans | 0.9788% | 2,811 |
| Net loans and leases to total assets | 78.7558% | 830 |
| Net loans and leases to deposits | 116.8674% | 125 |
| Net loans and leases to core deposits | 199.9660% | 46 |
| Total domestic deposits to total assets | 67.3890% | 6,216 |
| Equity capital to assets | 12.7195% | 1,560 |
| Core capital (leverage) ratio | 10.7719% | 2,659 |
| Tier 1 risk-based capital ratio | 12.8323% | 4,707 |
| Total risk-based capital ratio | 15.2433% | 3,941 |
| Memoranda: | ||
| Average total assets | $25,117,156,500 | 61 |
| Average earning assets | $23,057,974,500 | 59 |
| Average equity | $3,113,057,500 | 53 |
| Average total loans | $20,774,406,000 | 44 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9636% | 30 |
| Cost of funding earning assets | 1.0007% | 230 |
| Net interest margin | 7.9629% | 36 |
| Noninterest income to average assets | 2.1502% | 305 |
| Noninterest expense to average assets | 4.9578% | 314 |
| Loan and lease loss provision to assets | 2.7437% | 19 |
| Net operating income to assets | 1.0832% | 2,046 |
| Return on assets (ROA) | 1.0613% | 2,181 |
| Pretax return on assets | 1.5739% | 1,308 |
| Return on Equity (ROE) | 8.1777% | 3,037 |
| Retained earnings to average equity (ytd only) | 8.1777% | 962 |
| Net charge-offs to loans | 2.5827% | 55 |
| Credit loss provision to net charge-offs | 125.4563% | 1,906 |
| Earnings coverage of net charge-offs (x) | 1.9842% | 4,284 |
| Efficiency ratio | 49.8876% | 6,101 |
| Assets per employee ($millions) | 9.1693% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8888% | 335 |
| Loan loss allowance to noncurrent loans | 305.1934% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7966% | 3,216 |
| Noncurrent loans to loans | 0.9465% | 2,960 |
| Net loans and leases to total assets | 81.7247% | 550 |
| Net loans and leases to deposits | 128.7209% | 50 |
| Net loans and leases to core deposits | 235.9218% | 37 |
| Total domestic deposits to total assets | 63.4898% | 6,359 |
| Equity capital to assets | 12.0288% | 2,003 |
| Core capital (leverage) ratio | 10.9528% | 2,451 |
| Tier 1 risk-based capital ratio | 12.0383% | 5,339 |
| Total risk-based capital ratio | 14.3422% | 4,585 |
| Memoranda: | ||
| Average total assets | $22,085,588,600 | 63 |
| Average earning assets | $19,822,501,000 | 64 |
| Average equity | $2,866,314,200 | 56 |
| Average total loans | $18,701,497,400 | 46 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9741% | 32 |
| Cost of funding earning assets | 1.0049% | 241 |
| Net interest margin | 7.9692% | 35 |
| Noninterest income to average assets | 1.8862% | 382 |
| Noninterest expense to average assets | 5.0140% | 306 |
| Loan and lease loss provision to assets | 2.7143% | 19 |
| Net operating income to assets | 0.7644% | 3,600 |
| Return on assets (ROA) | 0.7620% | 3,710 |
| Pretax return on assets | 1.2860% | 2,431 |
| Return on Equity (ROE) | 5.7485% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.7485% | 2,575 |
| Net charge-offs to loans | 2.5814% | 61 |
| Credit loss provision to net charge-offs | 123.9485% | 1,856 |
| Earnings coverage of net charge-offs (x) | 1.8278% | 4,069 |
| Efficiency ratio | 51.7566% | 6,006 |
| Assets per employee ($millions) | 9.5520% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8824% | 404 |
| Loan loss allowance to noncurrent loans | 318.9859% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.7383% | 3,599 |
| Noncurrent loans to loans | 0.9036% | 3,301 |
| Net loans and leases to total assets | 79.3506% | 792 |
| Net loans and leases to deposits | 127.7822% | 52 |
| Net loans and leases to core deposits | 229.8403% | 38 |
| Total domestic deposits to total assets | 62.0983% | 6,465 |
| Equity capital to assets | 12.0251% | 2,034 |
| Core capital (leverage) ratio | 10.9981% | 2,483 |
| Tier 1 risk-based capital ratio | 12.2241% | 5,347 |
| Total risk-based capital ratio | 14.5919% | 4,584 |
| Memoranda: | ||
| Average total assets | $21,355,849,250 | 66 |
| Average earning assets | $19,108,203,500 | 67 |
| Average equity | $2,830,958,000 | 58 |
| Average total loans | $18,116,181,250 | 49 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9662% | 33 |
| Cost of funding earning assets | 1.0060% | 252 |
| Net interest margin | 7.9601% | 35 |
| Noninterest income to average assets | 1.8493% | 396 |
| Noninterest expense to average assets | 5.0888% | 297 |
| Loan and lease loss provision to assets | 2.7740% | 20 |
| Net operating income to assets | 0.7103% | 3,782 |
| Return on assets (ROA) | 0.7080% | 3,892 |
| Pretax return on assets | 1.1382% | 2,935 |
| Return on Equity (ROE) | 5.1520% | 4,604 |
| Retained earnings to average equity (ytd only) | 5.1520% | 2,859 |
| Net charge-offs to loans | 2.7015% | 69 |
| Credit loss provision to net charge-offs | 119.3142% | 1,729 |
| Earnings coverage of net charge-offs (x) | 1.6837% | 3,739 |
| Efficiency ratio | 52.7015% | 6,016 |
| Assets per employee ($millions) | 9.1718% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7817% | 479 |
| Loan loss allowance to noncurrent loans | 329.5771% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7280% | 3,796 |
| Noncurrent loans to loans | 0.8440% | 3,597 |
| Net loans and leases to total assets | 83.8515% | 308 |
| Net loans and leases to deposits | 134.4845% | 29 |
| Net loans and leases to core deposits | 242.4157% | 37 |
| Total domestic deposits to total assets | 62.3503% | 6,538 |
| Equity capital to assets | 12.8371% | 1,461 |
| Core capital (leverage) ratio | 11.6619% | 1,878 |
| Tier 1 risk-based capital ratio | 12.3690% | 5,322 |
| Total risk-based capital ratio | 14.7739% | 4,506 |
| Memoranda: | ||
| Average total assets | $20,422,093,330 | 67 |
| Average earning assets | $18,353,954,670 | 67 |
| Average equity | $2,806,305,670 | 57 |
| Average total loans | $17,575,661,330 | 49 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1101% | 28 |
| Cost of funding earning assets | 0.9625% | 319 |
| Net interest margin | 8.1477% | 30 |
| Noninterest income to average assets | 1.6100% | 474 |
| Noninterest expense to average assets | 5.1608% | 288 |
| Loan and lease loss provision to assets | 2.7015% | 23 |
| Net operating income to assets | 0.6891% | 3,745 |
| Return on assets (ROA) | 0.6862% | 3,834 |
| Pretax return on assets | 1.1304% | 2,769 |
| Return on Equity (ROE) | 4.8147% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.8147% | 3,220 |
| Net charge-offs to loans | 2.6533% | 86 |
| Credit loss provision to net charge-offs | 118.4522% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1.6814% | 3,042 |
| Efficiency ratio | 53.8768% | 6,021 |
| Assets per employee ($millions) | 9.2659% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9464% | 461 |
| Loan loss allowance to noncurrent loans | 316.8182% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 3,755 |
| Noncurrent loans to loans | 0.9300% | 3,560 |
| Net loans and leases to total assets | 82.8895% | 303 |
| Net loans and leases to deposits | 131.3482% | 35 |
| Net loans and leases to core deposits | 229.5486% | 41 |
| Total domestic deposits to total assets | 63.1067% | 6,603 |
| Equity capital to assets | 13.9818% | 923 |
| Core capital (leverage) ratio | 12.4320% | 1,417 |
| Tier 1 risk-based capital ratio | 13.5613% | 4,637 |
| Total risk-based capital ratio | 16.1015% | 3,741 |
| Memoranda: | ||
| Average total assets | $19,571,977,000 | 68 |
| Average earning assets | $17,741,073,000 | 67 |
| Average equity | $2,789,526,000 | 57 |
| Average total loans | $16,823,153,000 | 49 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2715% | 43 |
| Cost of funding earning assets | 0.7917% | 1,258 |
| Net interest margin | 7.4798% | 44 |
| Noninterest income to average assets | 2.1458% | 357 |
| Noninterest expense to average assets | 4.7962% | 409 |
| Loan and lease loss provision to assets | 2.2007% | 41 |
| Net operating income to assets | 1.6753% | 609 |
| Return on assets (ROA) | 1.6753% | 622 |
| Pretax return on assets | 1.9969% | 485 |
| Return on Equity (ROE) | 12.7685% | 1,216 |
| Retained earnings to average equity (ytd only) | 12.7685% | 254 |
| Net charge-offs to loans | 2.6867% | 99 |
| Credit loss provision to net charge-offs | 109.5530% | 2,199 |
| Earnings coverage of net charge-offs (x) | 2.0896% | 4,344 |
| Efficiency ratio | 49.9698% | 6,399 |
| Assets per employee ($millions) | 10.3450% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9408% | 507 |
| Loan loss allowance to noncurrent loans | 312.8825% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.8133% | 3,856 |
| Noncurrent loans to loans | 0.9399% | 3,636 |
| Net loans and leases to total assets | 83.9897% | 256 |
| Net loans and leases to deposits | 135.5595% | 30 |
| Net loans and leases to core deposits | 279.4509% | 34 |
| Total domestic deposits to total assets | 61.9578% | 6,698 |
| Equity capital to assets | 14.5382% | 773 |
| Core capital (leverage) ratio | 11.3109% | 2,110 |
| Tier 1 risk-based capital ratio | 13.8720% | 4,382 |
| Total risk-based capital ratio | 16.4716% | 3,481 |
| Memoranda: | ||
| Average total assets | $19,795,833,200 | 65 |
| Average earning assets | $18,123,694,200 | 65 |
| Average equity | $2,597,379,400 | 59 |
| Average total loans | $14,801,065,600 | 54 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0476% | 46 |
| Cost of funding earning assets | 0.7408% | 1,662 |
| Net interest margin | 7.3068% | 45 |
| Noninterest income to average assets | 2.1888% | 368 |
| Noninterest expense to average assets | 4.5644% | 485 |
| Loan and lease loss provision to assets | 2.1236% | 36 |
| Net operating income to assets | 1.6377% | 703 |
| Return on assets (ROA) | 1.6377% | 744 |
| Pretax return on assets | 2.1978% | 386 |
| Return on Equity (ROE) | 12.8113% | 1,283 |
| Retained earnings to average equity (ytd only) | 12.8113% | 350 |
| Net charge-offs to loans | 2.7618% | 92 |
| Credit loss provision to net charge-offs | 106.8486% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.1743% | 4,114 |
| Efficiency ratio | 48.0159% | 6,506 |
| Assets per employee ($millions) | 11.9391% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1246% | 483 |
| Loan loss allowance to noncurrent loans | 350.8070% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6336% | 4,541 |
| Noncurrent loans to loans | 0.8907% | 4,042 |
| Net loans and leases to total assets | 68.9148% | 2,155 |
| Net loans and leases to deposits | 127.2321% | 42 |
| Net loans and leases to core deposits | 284.9969% | 35 |
| Total domestic deposits to total assets | 54.1646% | 6,819 |
| Equity capital to assets | 12.7771% | 1,437 |
| Core capital (leverage) ratio | 11.3321% | 2,175 |
| Tier 1 risk-based capital ratio | 15.0251% | 3,737 |
| Total risk-based capital ratio | 17.7708% | 2,893 |
| Memoranda: | ||
| Average total assets | $19,980,910,750 | 64 |
| Average earning assets | $18,313,487,750 | 64 |
| Average equity | $2,554,141,000 | 59 |
| Average total loans | $14,378,932,750 | 58 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0905% | 45 |
| Cost of funding earning assets | 0.7500% | 1,714 |
| Net interest margin | 7.3405% | 43 |
| Noninterest income to average assets | 2.3862% | 344 |
| Noninterest expense to average assets | 4.6436% | 471 |
| Loan and lease loss provision to assets | 1.9985% | 52 |
| Net operating income to assets | 1.8033% | 515 |
| Return on assets (ROA) | 1.8033% | 554 |
| Pretax return on assets | 2.4393% | 293 |
| Return on Equity (ROE) | 14.1049% | 988 |
| Retained earnings to average equity (ytd only) | 14.1049% | 294 |
| Net charge-offs to loans | 2.8268% | 113 |
| Credit loss provision to net charge-offs | 97.8420% | 2,288 |
| Earnings coverage of net charge-offs (x) | 2.1726% | 3,804 |
| Efficiency ratio | 47.8029% | 6,548 |
| Assets per employee ($millions) | 12.1454% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1176% | 517 |
| Loan loss allowance to noncurrent loans | 327.9583% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 4,565 |
| Noncurrent loans to loans | 0.9506% | 4,029 |
| Net loans and leases to total assets | 67.7316% | 2,301 |
| Net loans and leases to deposits | 127.1358% | 48 |
| Net loans and leases to core deposits | 308.4189% | 32 |
| Total domestic deposits to total assets | 53.2750% | 6,871 |
| Equity capital to assets | 12.9165% | 1,376 |
| Core capital (leverage) ratio | 11.3392% | 2,067 |
| Tier 1 risk-based capital ratio | 15.1621% | 3,669 |
| Total risk-based capital ratio | 17.9617% | 2,807 |
| Memoranda: | ||
| Average total assets | $19,632,960,330 | 64 |
| Average earning assets | $17,907,002,330 | 63 |
| Average equity | $2,510,070,000 | 59 |
| Average total loans | $14,186,411,670 | 58 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4049% | 38 |
| Cost of funding earning assets | 0.7166% | 2,081 |
| Net interest margin | 7.6883% | 36 |
| Noninterest income to average assets | 1.8201% | 495 |
| Noninterest expense to average assets | 4.6703% | 465 |
| Loan and lease loss provision to assets | 2.5704% | 40 |
| Net operating income to assets | 1.3211% | 1,226 |
| Return on assets (ROA) | 1.3211% | 1,328 |
| Pretax return on assets | 1.5610% | 1,401 |
| Return on Equity (ROE) | 10.3895% | 1,914 |
| Retained earnings to average equity (ytd only) | 10.3895% | 1,009 |
| Net charge-offs to loans | 2.7057% | 144 |
| Credit loss provision to net charge-offs | 129.2632% | 1,527 |
| Earnings coverage of net charge-offs (x) | 2.0777% | 3,140 |
| Efficiency ratio | 49.5577% | 6,530 |
| Assets per employee ($millions) | 12.5709% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4199% | 450 |
| Loan loss allowance to noncurrent loans | 302.5908% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 4,369 |
| Noncurrent loans to loans | 1.1302% | 3,896 |
| Net loans and leases to total assets | 68.4031% | 1,939 |
| Net loans and leases to deposits | 130.0028% | 36 |
| Net loans and leases to core deposits | 330.8675% | 28 |
| Total domestic deposits to total assets | 52.6166% | 6,947 |
| Equity capital to assets | 12.6880% | 1,600 |
| Core capital (leverage) ratio | 11.3380% | 1,986 |
| Tier 1 risk-based capital ratio | 14.7234% | 4,015 |
| Total risk-based capital ratio | 17.5568% | 3,056 |
| Memoranda: | ||
| Average total assets | $19,295,879,000 | 64 |
| Average earning assets | $17,522,403,500 | 63 |
| Average equity | $2,453,622,000 | 60 |
| Average total loans | $14,181,144,500 | 58 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1313% | 35 |
| Cost of funding earning assets | 0.7820% | 2,809 |
| Net interest margin | 8.3493% | 34 |
| Noninterest income to average assets | 2.1990% | 382 |
| Noninterest expense to average assets | 5.0501% | 360 |
| Loan and lease loss provision to assets | 2.2188% | 75 |
| Net operating income to assets | 1.6262% | 723 |
| Return on assets (ROA) | 1.6262% | 798 |
| Pretax return on assets | 2.2641% | 356 |
| Return on Equity (ROE) | 11.9246% | 1,531 |
| Retained earnings to average equity (ytd only) | 11.9246% | 332 |
| Net charge-offs to loans | 3.0930% | 154 |
| Credit loss provision to net charge-offs | 94.1759% | 3,308 |
| Earnings coverage of net charge-offs (x) | 1.9027% | 4,469 |
| Efficiency ratio | 49.1614% | 6,642 |
| Assets per employee ($millions) | 12.7476% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0880% | 613 |
| Loan loss allowance to noncurrent loans | 290.6144% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.8102% | 4,448 |
| Noncurrent loans to loans | 1.0626% | 4,090 |
| Net loans and leases to total assets | 73.8948% | 1,208 |
| Net loans and leases to deposits | 145.6154% | 28 |
| Net loans and leases to core deposits | 423.9291% | 29 |
| Total domestic deposits to total assets | 50.7466% | 7,013 |
| Equity capital to assets | 12.7445% | 1,569 |
| Core capital (leverage) ratio | 11.5438% | 1,846 |
| Tier 1 risk-based capital ratio | 13.6436% | 4,644 |
| Total risk-based capital ratio | 16.3963% | 3,589 |
| Memoranda: | ||
| Average total assets | $16,814,755,800 | 69 |
| Average earning assets | $14,770,003,400 | 71 |
| Average equity | $2,293,138,400 | 62 |
| Average total loans | $12,808,545,400 | 60 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2645% | 33 |
| Cost of funding earning assets | 0.7939% | 2,996 |
| Net interest margin | 8.4707% | 30 |
| Noninterest income to average assets | 2.2822% | 351 |
| Noninterest expense to average assets | 4.8702% | 400 |
| Loan and lease loss provision to assets | 2.1656% | 95 |
| Net operating income to assets | 1.7097% | 671 |
| Return on assets (ROA) | 1.7097% | 745 |
| Pretax return on assets | 2.6311% | 240 |
| Return on Equity (ROE) | 12.3017% | 1,535 |
| Retained earnings to average equity (ytd only) | 12.3017% | 487 |
| Net charge-offs to loans | 3.4178% | 137 |
| Credit loss provision to net charge-offs | 83.2022% | 3,525 |
| Earnings coverage of net charge-offs (x) | 1.8429% | 4,340 |
| Efficiency ratio | 46.6676% | 6,787 |
| Assets per employee ($millions) | 12.9483% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1785% | 612 |
| Loan loss allowance to noncurrent loans | 285.4782% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.8264% | 4,639 |
| Noncurrent loans to loans | 1.1134% | 4,197 |
| Net loans and leases to total assets | 71.8598% | 1,576 |
| Net loans and leases to deposits | 134.8072% | 36 |
| Net loans and leases to core deposits | 490.6458% | 27 |
| Total domestic deposits to total assets | 53.3056% | 7,101 |
| Equity capital to assets | 13.2937% | 1,443 |
| Core capital (leverage) ratio | 11.9614% | 1,679 |
| Tier 1 risk-based capital ratio | 13.9522% | 4,566 |
| Total risk-based capital ratio | 16.7820% | 3,477 |
| Memoranda: | ||
| Average total assets | $16,273,169,000 | 72 |
| Average earning assets | $14,186,869,500 | 74 |
| Average equity | $2,261,663,250 | 63 |
| Average total loans | $12,392,435,250 | 62 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3166% | 30 |
| Cost of funding earning assets | 0.7994% | 3,192 |
| Net interest margin | 8.5172% | 27 |
| Noninterest income to average assets | 2.1914% | 350 |
| Noninterest expense to average assets | 4.7556% | 444 |
| Loan and lease loss provision to assets | 1.2751% | 314 |
| Net operating income to assets | 2.1942% | 285 |
| Return on assets (ROA) | 2.1942% | 323 |
| Pretax return on assets | 3.5930% | 101 |
| Return on Equity (ROE) | 15.5365% | 847 |
| Retained earnings to average equity (ytd only) | 15.5365% | 250 |
| Net charge-offs to loans | 3.7588% | 128 |
| Credit loss provision to net charge-offs | 44.1292% | 4,166 |
| Earnings coverage of net charge-offs (x) | 1.6848% | 4,147 |
| Efficiency ratio | 45.6365% | 6,896 |
| Assets per employee ($millions) | 11.8022% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6886% | 1,045 |
| Loan loss allowance to noncurrent loans | 237.2152% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.8735% | 4,625 |
| Noncurrent loans to loans | 1.1334% | 4,263 |
| Net loans and leases to total assets | 74.9990% | 1,099 |
| Net loans and leases to deposits | 147.7176% | 21 |
| Net loans and leases to core deposits | 601.1167% | 28 |
| Total domestic deposits to total assets | 50.7719% | 7,180 |
| Equity capital to assets | 14.0333% | 1,084 |
| Core capital (leverage) ratio | 12.3616% | 1,412 |
| Tier 1 risk-based capital ratio | 13.6847% | 4,684 |
| Total risk-based capital ratio | 16.5455% | 3,533 |
| Memoranda: | ||
| Average total assets | $15,810,416,000 | 74 |
| Average earning assets | $13,796,429,670 | 76 |
| Average equity | $2,232,934,000 | 65 |
| Average total loans | $12,153,878,330 | 63 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6102% | 29 |
| Cost of funding earning assets | 0.8071% | 3,418 |
| Net interest margin | 8.8031% | 25 |
| Noninterest income to average assets | 2.1905% | 352 |
| Noninterest expense to average assets | 4.9092% | 393 |
| Loan and lease loss provision to assets | 1.7969% | 176 |
| Net operating income to assets | 1.8856% | 505 |
| Return on assets (ROA) | 1.8856% | 580 |
| Pretax return on assets | 3.1771% | 160 |
| Return on Equity (ROE) | 13.3056% | 1,323 |
| Retained earnings to average equity (ytd only) | 13.3056% | 640 |
| Net charge-offs to loans | 3.4681% | 191 |
| Credit loss provision to net charge-offs | 67.4924% | 2,969 |
| Earnings coverage of net charge-offs (x) | 1.8683% | 3,404 |
| Efficiency ratio | 45.6304% | 6,919 |
| Assets per employee ($millions) | 11.6489% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7758% | 439 |
| Loan loss allowance to noncurrent loans | 268.5769% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 1.0390% | 4,416 |
| Noncurrent loans to loans | 1.4058% | 4,000 |
| Net loans and leases to total assets | 71.1166% | 1,552 |
| Net loans and leases to deposits | 145.0387% | 23 |
| Net loans and leases to core deposits | 1,401.0770% | 21 |
| Total domestic deposits to total assets | 49.0328% | 7,244 |
| Equity capital to assets | 14.2239% | 944 |
| Core capital (leverage) ratio | 12.4240% | 1,372 |
| Tier 1 risk-based capital ratio | 14.5806% | 4,040 |
| Total risk-based capital ratio | 17.6181% | 2,935 |
| Memoranda: | ||
| Average total assets | $15,454,053,000 | 74 |
| Average earning assets | $13,504,583,500 | 76 |
| Average equity | $2,190,030,500 | 66 |
| Average total loans | $11,863,529,500 | 64 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4467% | 30 |
| Cost of funding earning assets | 0.8416% | 4,531 |
| Net interest margin | 8.6051% | 27 |
| Noninterest income to average assets | 2.1874% | 333 |
| Noninterest expense to average assets | 4.8652% | 424 |
| Loan and lease loss provision to assets | 2.0191% | 292 |
| Net operating income to assets | 1.8185% | 443 |
| Return on assets (ROA) | 1.8185% | 477 |
| Pretax return on assets | 2.8398% | 143 |
| Return on Equity (ROE) | 12.7964% | 1,205 |
| Retained earnings to average equity (ytd only) | 12.7964% | 245 |
| Net charge-offs to loans | 5.0875% | 79 |
| Credit loss provision to net charge-offs | 55.9541% | 5,275 |
| Earnings coverage of net charge-offs (x) | 1.3465% | 4,763 |
| Efficiency ratio | 46.6823% | 7,012 |
| Assets per employee ($millions) | 11.7866% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8637% | 415 |
| Loan loss allowance to noncurrent loans | 258.1387% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 1.1929% | 4,250 |
| Noncurrent loans to loans | 1.4968% | 3,902 |
| Net loans and leases to total assets | 76.6179% | 875 |
| Net loans and leases to deposits | 168.5039% | 23 |
| Net loans and leases to core deposits | 1,576.2758% | 23 |
| Total domestic deposits to total assets | 45.4695% | 7,297 |
| Equity capital to assets | 14.1173% | 1,022 |
| Core capital (leverage) ratio | 12.9105% | 1,177 |
| Tier 1 risk-based capital ratio | 13.4406% | 4,740 |
| Total risk-based capital ratio | 16.4035% | 3,510 |
| Memoranda: | ||
| Average total assets | $14,600,820,000 | 75 |
| Average earning assets | $12,787,908,600 | 76 |
| Average equity | $2,074,890,600 | 68 |
| Average total loans | $10,356,081,000 | 70 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4370% | 32 |
| Cost of funding earning assets | 0.8632% | 4,676 |
| Net interest margin | 8.5737% | 29 |
| Noninterest income to average assets | 2.3048% | 300 |
| Noninterest expense to average assets | 4.6438% | 503 |
| Loan and lease loss provision to assets | 1.8710% | 314 |
| Net operating income to assets | 2.1206% | 284 |
| Return on assets (ROA) | 2.1206% | 302 |
| Pretax return on assets | 3.3069% | 113 |
| Return on Equity (ROE) | 14.8968% | 851 |
| Retained earnings to average equity (ytd only) | 14.8968% | 238 |
| Net charge-offs to loans | 5.5487% | 73 |
| Credit loss provision to net charge-offs | 49.1474% | 5,050 |
| Earnings coverage of net charge-offs (x) | 1.3601% | 4,598 |
| Efficiency ratio | 43.9517% | 7,146 |
| Assets per employee ($millions) | 11.7820% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9282% | 197 |
| Loan loss allowance to noncurrent loans | 325.2387% | 970 |
| Noncurrent assets plus other real estate owned to assets | 1.0543% | 4,659 |
| Noncurrent loans to loans | 1.5153% | 4,015 |
| Net loans and leases to total assets | 66.1480% | 2,869 |
| Net loans and leases to deposits | 143.2035% | 31 |
| Net loans and leases to core deposits | 785.8959% | 29 |
| Total domestic deposits to total assets | 46.1917% | 7,366 |
| Equity capital to assets | 14.7401% | 920 |
| Core capital (leverage) ratio | 12.6642% | 1,364 |
| Tier 1 risk-based capital ratio | 16.0904% | 3,072 |
| Total risk-based capital ratio | 19.3966% | 2,165 |
| Memoranda: | ||
| Average total assets | $14,435,120,250 | 75 |
| Average earning assets | $12,655,843,500 | 77 |
| Average equity | $2,054,911,000 | 68 |
| Average total loans | $9,903,935,250 | 71 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4146% | 38 |
| Cost of funding earning assets | 0.8799% | 4,830 |
| Net interest margin | 8.5347% | 31 |
| Noninterest income to average assets | 2.2076% | 316 |
| Noninterest expense to average assets | 4.4748% | 610 |
| Loan and lease loss provision to assets | 1.0141% | 851 |
| Net operating income to assets | 2.7324% | 131 |
| Return on assets (ROA) | 2.7324% | 132 |
| Pretax return on assets | 4.2059% | 89 |
| Return on Equity (ROE) | 19.4220% | 353 |
| Retained earnings to average equity (ytd only) | 19.4220% | 106 |
| Net charge-offs to loans | 6.2036% | 76 |
| Credit loss provision to net charge-offs | 23.9370% | 5,078 |
| Earnings coverage of net charge-offs (x) | 1.2321% | 4,365 |
| Efficiency ratio | 42.8101% | 7,279 |
| Assets per employee ($millions) | 11.9234% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7958% | 217 |
| Loan loss allowance to noncurrent loans | 298.7302% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 1.0725% | 4,734 |
| Noncurrent loans to loans | 1.6054% | 3,984 |
| Net loans and leases to total assets | 63.6009% | 3,551 |
| Net loans and leases to deposits | 132.4395% | 50 |
| Net loans and leases to core deposits | 691.7726% | 32 |
| Total domestic deposits to total assets | 48.0226% | 7,438 |
| Equity capital to assets | 14.3950% | 972 |
| Core capital (leverage) ratio | 12.3576% | 1,423 |
| Tier 1 risk-based capital ratio | 16.0797% | 2,940 |
| Total risk-based capital ratio | 19.4303% | 2,068 |
| Memoranda: | ||
| Average total assets | $14,459,393,670 | 77 |
| Average earning assets | $12,684,603,000 | 78 |
| Average equity | $2,034,209,000 | 70 |
| Average total loans | $9,874,296,670 | 73 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6009% | 39 |
| Cost of funding earning assets | 0.9039% | 4,887 |
| Net interest margin | 8.6970% | 35 |
| Noninterest income to average assets | 2.7155% | 246 |
| Noninterest expense to average assets | 4.4783% | 605 |
| Loan and lease loss provision to assets | -0.2879% | 7,520 |
| Net operating income to assets | 3.9696% | 78 |
| Return on assets (ROA) | 3.9696% | 80 |
| Pretax return on assets | 6.1453% | 58 |
| Return on Equity (ROE) | 28.5539% | 100 |
| Retained earnings to average equity (ytd only) | 28.5539% | 70 |
| Net charge-offs to loans | 6.8660% | 81 |
| Credit loss provision to net charge-offs | -6.0738% | 5,578 |
| Earnings coverage of net charge-offs (x) | 1.2355% | 3,746 |
| Efficiency ratio | 40.1669% | 7,385 |
| Assets per employee ($millions) | 11.6526% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5109% | 137 |
| Loan loss allowance to noncurrent loans | 256.2082% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 1.4142% | 4,157 |
| Noncurrent loans to loans | 2.1510% | 3,383 |
| Net loans and leases to total assets | 62.1251% | 3,827 |
| Net loans and leases to deposits | 129.5375% | 56 |
| Net loans and leases to core deposits | 698.6815% | 31 |
| Total domestic deposits to total assets | 47.9592% | 7,493 |
| Equity capital to assets | 14.4008% | 910 |
| Core capital (leverage) ratio | 11.9401% | 1,596 |
| Tier 1 risk-based capital ratio | 15.8224% | 2,988 |
| Total risk-based capital ratio | 19.2580% | 2,080 |
| Memoranda: | ||
| Average total assets | $14,368,119,500 | 77 |
| Average earning assets | $12,589,068,500 | 79 |
| Average equity | $1,997,457,000 | 71 |
| Average total loans | $9,920,688,500 | 74 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.3056% | 31 |
| Cost of funding earning assets | 1.4031% | 3,251 |
| Net interest margin | 9.9025% | 31 |
| Noninterest income to average assets | 2.4598% | 286 |
| Noninterest expense to average assets | 5.0616% | 397 |
| Loan and lease loss provision to assets | 5.7289% | 46 |
| Net operating income to assets | 0.7224% | 3,138 |
| Return on assets (ROA) | 0.7224% | 3,264 |
| Pretax return on assets | 0.4008% | 4,942 |
| Return on Equity (ROE) | 5.4757% | 3,851 |
| Retained earnings to average equity (ytd only) | 5.4757% | 2,126 |
| Net charge-offs to loans | 8.8226% | 24 |
| Credit loss provision to net charge-offs | 83.0223% | 5,443 |
| Earnings coverage of net charge-offs (x) | 0.8883% | 5,230 |
| Efficiency ratio | 42.0630% | 7,463 |
| Assets per employee ($millions) | 11.1550% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7639% | 66 |
| Loan loss allowance to noncurrent loans | 273.7552% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7877% | 3,641 |
| Noncurrent loans to loans | 2.4708% | 3,054 |
| Net loans and leases to total assets | 67.4611% | 3,114 |
| Net loans and leases to deposits | 138.8639% | 48 |
| Net loans and leases to core deposits | 724.9893% | 29 |
| Total domestic deposits to total assets | 48.5807% | 7,569 |
| Equity capital to assets | 13.4016% | 1,219 |
| Core capital (leverage) ratio | 10.9808% | 2,173 |
| Tier 1 risk-based capital ratio | 13.0858% | 4,534 |
| Total risk-based capital ratio | 16.3982% | 3,116 |
| Memoranda: | ||
| Average total assets | $13,300,400,200 | 84 |
| Average earning assets | $11,727,737,400 | 86 |
| Average equity | $1,754,789,200 | 75 |
| Average total loans | $10,402,706,600 | 72 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6286% | 31 |
| Cost of funding earning assets | 1.4785% | 3,098 |
| Net interest margin | 10.1500% | 29 |
| Noninterest income to average assets | 2.4967% | 280 |
| Noninterest expense to average assets | 5.2787% | 309 |
| Loan and lease loss provision to assets | 6.5689% | 36 |
| Net operating income to assets | 0.3731% | 4,869 |
| Return on assets (ROA) | 0.3731% | 5,053 |
| Pretax return on assets | -0.3774% | 6,474 |
| Return on Equity (ROE) | 2.8399% | 5,284 |
| Retained earnings to average equity (ytd only) | 2.8399% | 4,435 |
| Net charge-offs to loans | 9.2750% | 29 |
| Credit loss provision to net charge-offs | 88.7237% | 4,817 |
| Earnings coverage of net charge-offs (x) | 0.8363% | 5,217 |
| Efficiency ratio | 42.8733% | 7,502 |
| Assets per employee ($millions) | 9.7108% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6994% | 44 |
| Loan loss allowance to noncurrent loans | 300.4792% | 974 |
| Noncurrent assets plus other real estate owned to assets | 1.8907% | 3,622 |
| Noncurrent loans to loans | 2.5624% | 3,061 |
| Net loans and leases to total assets | 68.1074% | 3,186 |
| Net loans and leases to deposits | 144.3127% | 42 |
| Net loans and leases to core deposits | 963.9410% | 29 |
| Total domestic deposits to total assets | 47.1943% | 7,669 |
| Equity capital to assets | 12.7601% | 1,708 |
| Core capital (leverage) ratio | 10.9872% | 2,271 |
| Tier 1 risk-based capital ratio | 13.1511% | 4,456 |
| Total risk-based capital ratio | 16.5381% | 3,069 |
| Memoranda: | ||
| Average total assets | $13,039,170,000 | 84 |
| Average earning assets | $11,527,781,000 | 86 |
| Average equity | $1,712,859,250 | 76 |
| Average total loans | $10,408,490,250 | 71 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7323% | 31 |
| Cost of funding earning assets | 1.3555% | 4,159 |
| Net interest margin | 10.3768% | 29 |
| Noninterest income to average assets | 2.5517% | 265 |
| Noninterest expense to average assets | 5.4310% | 284 |
| Loan and lease loss provision to assets | 7.2419% | 43 |
| Net operating income to assets | -0.4474% | 6,609 |
| Return on assets (ROA) | -0.4474% | 6,647 |
| Pretax return on assets | -0.9039% | 6,845 |
| Return on Equity (ROE) | -3.3714% | 6,553 |
| Retained earnings to average equity (ytd only) | -3.3714% | 6,350 |
| Net charge-offs to loans | 9.5709% | 39 |
| Credit loss provision to net charge-offs | 92.3122% | 4,353 |
| Earnings coverage of net charge-offs (x) | 0.8079% | 4,963 |
| Efficiency ratio | 43.0366% | 7,550 |
| Assets per employee ($millions) | 9.0901% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0686% | 37 |
| Loan loss allowance to noncurrent loans | 274.0146% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 2.2404% | 3,215 |
| Noncurrent loans to loans | 2.9446% | 2,717 |
| Net loans and leases to total assets | 69.9456% | 2,913 |
| Net loans and leases to deposits | 149.5200% | 40 |
| Net loans and leases to core deposits | 837.3250% | 30 |
| Total domestic deposits to total assets | 46.7801% | 7,741 |
| Equity capital to assets | 12.6142% | 1,733 |
| Core capital (leverage) ratio | 10.9073% | 2,321 |
| Tier 1 risk-based capital ratio | 12.8009% | 4,606 |
| Total risk-based capital ratio | 16.2343% | 3,129 |
| Memoranda: | ||
| Average total assets | $12,831,179,000 | 82 |
| Average earning assets | $11,397,306,000 | 86 |
| Average equity | $1,702,671,000 | 75 |
| Average total loans | $10,517,371,330 | 70 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3696% | 31 |
| Cost of funding earning assets | 1.4364% | 3,953 |
| Net interest margin | 10.9332% | 27 |
| Noninterest income to average assets | 2.5515% | 250 |
| Noninterest expense to average assets | 5.7279% | 246 |
| Loan and lease loss provision to assets | 7.0699% | 84 |
| Net operating income to assets | -0.2378% | 6,588 |
| Return on assets (ROA) | -0.2378% | 6,658 |
| Pretax return on assets | -0.5254% | 6,804 |
| Return on Equity (ROE) | -1.7463% | 6,611 |
| Retained earnings to average equity (ytd only) | -1.7463% | 6,168 |
| Net charge-offs to loans | 9.7759% | 59 |
| Credit loss provision to net charge-offs | 84.9937% | 3,772 |
| Earnings coverage of net charge-offs (x) | 0.7868% | 4,336 |
| Efficiency ratio | 43.6302% | 7,633 |
| Assets per employee ($millions) | 7.9340% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0202% | 38 |
| Loan loss allowance to noncurrent loans | 246.7540% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 2.6466% | 2,751 |
| Noncurrent loans to loans | 3.2503% | 2,459 |
| Net loans and leases to total assets | 74.8959% | 1,765 |
| Net loans and leases to deposits | 171.6342% | 31 |
| Net loans and leases to core deposits | 2,583.1327% | 28 |
| Total domestic deposits to total assets | 43.6369% | 7,851 |
| Equity capital to assets | 13.6500% | 1,269 |
| Core capital (leverage) ratio | 11.6899% | 1,805 |
| Tier 1 risk-based capital ratio | 13.1461% | 4,241 |
| Total risk-based capital ratio | 16.5837% | 2,903 |
| Memoranda: | ||
| Average total assets | $12,574,670,000 | 81 |
| Average earning assets | $11,180,444,000 | 85 |
| Average equity | $1,712,373,500 | 73 |
| Average total loans | $10,699,621,000 | 69 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.5843% | 23 |
| Cost of funding earning assets | 1.7231% | 4,393 |
| Net interest margin | 10.8611% | 23 |
| Noninterest income to average assets | 2.6749% | 255 |
| Noninterest expense to average assets | 5.7816% | 343 |
| Loan and lease loss provision to assets | 10.4046% | 12 |
| Net operating income to assets | -2.4020% | 7,230 |
| Return on assets (ROA) | -2.3836% | 7,229 |
| Pretax return on assets | -3.8699% | 7,499 |
| Return on Equity (ROE) | -19.2649% | 7,121 |
| Retained earnings to average equity (ytd only) | -19.2649% | 7,078 |
| Net charge-offs to loans | 8.8387% | 55 |
| Credit loss provision to net charge-offs | 132.4208% | 3,786 |
| Earnings coverage of net charge-offs (x) | 0.8280% | 5,281 |
| Efficiency ratio | 43.7314% | 7,786 |
| Assets per employee ($millions) | 7.7814% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6652% | 45 |
| Loan loss allowance to noncurrent loans | 228.4951% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 2.9765% | 2,359 |
| Noncurrent loans to loans | 3.3547% | 2,273 |
| Net loans and leases to total assets | 81.9271% | 690 |
| Net loans and leases to deposits | 225.3679% | 24 |
| Net loans and leases to core deposits | 225.3679% | 61 |
| Total domestic deposits to total assets | 36.3526% | 7,941 |
| Equity capital to assets | 13.5855% | 1,287 |
| Core capital (leverage) ratio | 11.3916% | 1,974 |
| Tier 1 risk-based capital ratio | 12.2416% | 4,731 |
| Total risk-based capital ratio | 15.5284% | 3,280 |
| Memoranda: | ||
| Average total assets | $12,219,297,400 | 86 |
| Average earning assets | $10,814,740,800 | 86 |
| Average equity | $1,511,891,400 | 77 |
| Average total loans | $10,862,332,400 | 67 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.5914% | 24 |
| Cost of funding earning assets | 1.5772% | 5,505 |
| Net interest margin | 11.0142% | 22 |
| Noninterest income to average assets | 2.5111% | 267 |
| Noninterest expense to average assets | 5.7870% | 329 |
| Loan and lease loss provision to assets | 10.4628% | 20 |
| Net operating income to assets | -2.5975% | 7,482 |
| Return on assets (ROA) | -2.5724% | 7,482 |
| Pretax return on assets | -3.9683% | 7,682 |
| Return on Equity (ROE) | -21.3347% | 7,419 |
| Retained earnings to average equity (ytd only) | -21.3347% | 7,386 |
| Net charge-offs to loans | 8.6446% | 69 |
| Credit loss provision to net charge-offs | 136.0865% | 3,646 |
| Earnings coverage of net charge-offs (x) | 0.8397% | 5,214 |
| Efficiency ratio | 44.0035% | 7,840 |
| Assets per employee ($millions) | 7.5051% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3494% | 39 |
| Loan loss allowance to noncurrent loans | 228.2223% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 2.8146% | 2,465 |
| Noncurrent loans to loans | 3.2203% | 2,351 |
| Net loans and leases to total assets | 80.9792% | 980 |
| Net loans and leases to deposits | 392.6277% | 17 |
| Net loans and leases to core deposits | 392.6277% | 26 |
| Total domestic deposits to total assets | 20.6249% | 8,044 |
| Equity capital to assets | 12.5112% | 1,946 |
| Core capital (leverage) ratio | 9.7962% | 3,522 |
| Tier 1 risk-based capital ratio | 10.2610% | 6,723 |
| Total risk-based capital ratio | 13.6010% | 4,610 |
| Memoranda: | ||
| Average total assets | $12,120,698,000 | 92 |
| Average earning assets | $10,709,374,750 | 94 |
| Average equity | $1,461,456,750 | 83 |
| Average total loans | $10,779,936,500 | 70 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6861% | 25 |
| Cost of funding earning assets | 1.5038% | 6,123 |
| Net interest margin | 11.1823% | 22 |
| Noninterest income to average assets | 2.3459% | 289 |
| Noninterest expense to average assets | 5.6209% | 364 |
| Loan and lease loss provision to assets | 10.7078% | 23 |
| Net operating income to assets | -2.6636% | 7,605 |
| Return on assets (ROA) | -2.6257% | 7,586 |
| Pretax return on assets | -4.0420% | 7,757 |
| Return on Equity (ROE) | -22.0628% | 7,561 |
| Retained earnings to average equity (ytd only) | -22.0628% | 7,515 |
| Net charge-offs to loans | 8.2143% | 100 |
| Credit loss provision to net charge-offs | 145.7006% | 3,176 |
| Earnings coverage of net charge-offs (x) | 0.8991% | 4,860 |
| Efficiency ratio | 42.9117% | 7,961 |
| Assets per employee ($millions) | 7.4878% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0446% | 48 |
| Loan loss allowance to noncurrent loans | 218.9898% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 2.8887% | 2,216 |
| Noncurrent loans to loans | 3.2168% | 2,214 |
| Net loans and leases to total assets | 83.4719% | 715 |
| Net loans and leases to deposits | 2,610.0583% | 10 |
| Net loans and leases to core deposits | 2,610.0583% | 15 |
| Total domestic deposits to total assets | 3.1981% | 8,174 |
| Equity capital to assets | 12.2260% | 2,070 |
| Core capital (leverage) ratio | 8.8893% | 4,801 |
| Tier 1 risk-based capital ratio | 8.9593% | 7,717 |
| Total risk-based capital ratio | 12.2764% | 5,776 |
| Memoranda: | ||
| Average total assets | $12,015,608,670 | 101 |
| Average earning assets | $10,618,903,000 | 101 |
| Average equity | $1,429,979,000 | 89 |
| Average total loans | $10,750,120,330 | 74 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.7534% | 25 |
| Cost of funding earning assets | 1.4874% | 6,445 |
| Net interest margin | 11.2661% | 21 |
| Noninterest income to average assets | 2.2905% | 285 |
| Noninterest expense to average assets | 5.6607% | 340 |
| Loan and lease loss provision to assets | 9.2916% | 53 |
| Net operating income to assets | -1.7397% | 7,585 |
| Return on assets (ROA) | -1.7397% | 7,588 |
| Pretax return on assets | -2.6765% | 7,693 |
| Return on Equity (ROE) | -14.8160% | 7,596 |
| Retained earnings to average equity (ytd only) | -14.8160% | 7,427 |
| Net charge-offs to loans | 6.9731% | 124 |
| Credit loss provision to net charge-offs | 149.2037% | 2,805 |
| Earnings coverage of net charge-offs (x) | 1.0622% | 4,230 |
| Efficiency ratio | 43.7125% | 7,942 |
| Assets per employee ($millions) | 8.1309% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0505% | 65 |
| Loan loss allowance to noncurrent loans | 189.2604% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 2.8669% | 1,987 |
| Noncurrent loans to loans | 3.1969% | 2,024 |
| Net loans and leases to total assets | 84.2515% | 653 |
| Net loans and leases to deposits | 12,393.9002% | 8 |
| Net loans and leases to core deposits | 12,393.9002% | 8 |
| Total domestic deposits to total assets | 0.6798% | 8,240 |
| Equity capital to assets | 11.8538% | 2,348 |
| Core capital (leverage) ratio | 8.2826% | 5,934 |
| Tier 1 risk-based capital ratio | 8.5146% | 7,942 |
| Total risk-based capital ratio | 11.8326% | 6,228 |
| Memoranda: | ||
| Average total assets | $12,108,089,500 | 104 |
| Average earning assets | $10,731,667,500 | 101 |
| Average equity | $1,421,759,000 | 91 |
| Average total loans | $10,813,356,000 | 76 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4204% | 19 |
| Cost of funding earning assets | 3.0606% | 1,638 |
| Net interest margin | 11.3599% | 20 |
| Noninterest income to average assets | 3.9665% | 151 |
| Noninterest expense to average assets | 6.6865% | 315 |
| Loan and lease loss provision to assets | 7.1237% | 39 |
| Net operating income to assets | 0.1200% | 6,056 |
| Return on assets (ROA) | 0.2256% | 5,596 |
| Pretax return on assets | 0.4132% | 5,222 |
| Return on Equity (ROE) | 1.7745% | 5,682 |
| Retained earnings to average equity (ytd only) | 1.7745% | 4,138 |
| Net charge-offs to loans | 5.3423% | 85 |
| Credit loss provision to net charge-offs | 151.0817% | 3,472 |
| Earnings coverage of net charge-offs (x) | 1.5635% | 5,314 |
| Efficiency ratio | 45.3558% | 7,958 |
| Assets per employee ($millions) | 8.7514% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9552% | 99 |
| Loan loss allowance to noncurrent loans | 215.2524% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 2.0478% | 2,402 |
| Noncurrent loans to loans | 2.3021% | 2,406 |
| Net loans and leases to total assets | 84.5470% | 799 |
| Net loans and leases to deposits | 12,847.7062% | 7 |
| Net loans and leases to core deposits | 12,847.7062% | 6 |
| Total domestic deposits to total assets | 0.6581% | 8,296 |
| Equity capital to assets | 11.6362% | 2,541 |
| Core capital (leverage) ratio | 9.4610% | 4,067 |
| Tier 1 risk-based capital ratio | 8.8343% | 7,883 |
| Total risk-based capital ratio | 12.0354% | 5,832 |
| Memoranda: | ||
| Average total assets | $9,138,508,600 | 117 |
| Average earning assets | $8,118,494,000 | 117 |
| Average equity | $1,161,544,000 | 99 |
| Average total loans | $8,065,608,000 | 100 |