Home > BNY Mellon > Performance and Condition Ratios
BNY Mellon, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 2,291 |
| Cost of funding earning assets | 3.7674% | 49 |
| Net interest margin | 1.1257% | 4,538 |
| Noninterest income to average assets | 2.5400% | 214 |
| Noninterest expense to average assets | 2.6785% | 1,797 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.6744% | 3,253 |
| Return on assets (ROA) | 0.6744% | 3,237 |
| Pretax return on assets | 0.9162% | 2,922 |
| Return on Equity (ROE) | 5.4100% | 3,641 |
| Retained earnings to average equity (ytd only) | 2.2187% | 3,528 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.8899% | 1,474 |
| Assets per employee ($millions) | 19.9098% | 98 |
| Cash dividends to net income (ytd only)* | 58.9623% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0902% | 4,456 |
| Loan loss allowance to noncurrent loans | 170.0000% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 3,326 |
| Noncurrent loans to loans | 0.0531% | 3,339 |
| Net loans and leases to total assets | 61.3800% | 2,723 |
| Net loans and leases to deposits | 74.6354% | 2,573 |
| Net loans and leases to core deposits | 160.3952% | 151 |
| Total domestic deposits to total assets | 82.2400% | 3,080 |
| Equity capital to assets | 13.0374% | 856 |
| Core capital (leverage) ratio | 8.0972% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5848% | 1,163 |
| Memoranda: | ||
| Average total assets | $31,435,200,000 | 66 |
| Average earning assets | $28,958,600,000 | 64 |
| Average equity | $3,921,200,000 | 54 |
| Average total loans | $19,296,200,000 | 68 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8388% | 2,189 |
| Cost of funding earning assets | 3.7355% | 47 |
| Net interest margin | 1.1033% | 4,555 |
| Noninterest income to average assets | 2.5300% | 228 |
| Noninterest expense to average assets | 2.4960% | 2,241 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.7800% | 3,085 |
| Return on assets (ROA) | 0.7800% | 3,074 |
| Pretax return on assets | 1.0625% | 2,681 |
| Return on Equity (ROE) | 6.3200% | 3,582 |
| Retained earnings to average equity (ytd only) | 2.9048% | 3,531 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.4774% | 1,847 |
| Assets per employee ($millions) | 19.6148% | 101 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0995% | 4,474 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 3,373 |
| Noncurrent loans to loans | 0.0681% | 3,273 |
| Net loans and leases to total assets | 62.7300% | 2,587 |
| Net loans and leases to deposits | 75.3774% | 2,469 |
| Net loans and leases to core deposits | 158.3922% | 113 |
| Total domestic deposits to total assets | 83.2200% | 2,973 |
| Equity capital to assets | 13.1105% | 787 |
| Core capital (leverage) ratio | 7.7236% | 4,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1889% | 1,272 |
| Memoranda: | ||
| Average total assets | $31,623,750,000 | 67 |
| Average earning assets | $29,125,250,000 | 66 |
| Average equity | $3,901,500,000 | 55 |
| Average total loans | $19,408,000,000 | 69 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 2,319 |
| Cost of funding earning assets | 3.5874% | 36 |
| Net interest margin | 1.0579% | 4,596 |
| Noninterest income to average assets | 2.4900% | 204 |
| Noninterest expense to average assets | 2.5101% | 2,180 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.6556% | 3,447 |
| Return on assets (ROA) | 0.6556% | 3,448 |
| Pretax return on assets | 0.9054% | 3,150 |
| Return on Equity (ROE) | 5.4200% | 3,819 |
| Retained earnings to average equity (ytd only) | 0.2582% | 4,030 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.6606% | 1,595 |
| Assets per employee ($millions) | 20.7108% | 89 |
| Cash dividends to net income (ytd only)* | 95.2381% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1436% | 4,508 |
| Loan loss allowance to noncurrent loans | 54.9020% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 2,458 |
| Noncurrent loans to loans | 0.2615% | 2,221 |
| Net loans and leases to total assets | 59.5200% | 2,817 |
| Net loans and leases to deposits | 70.4489% | 2,751 |
| Net loans and leases to core deposits | 133.9270% | 276 |
| Total domestic deposits to total assets | 84.4900% | 2,694 |
| Equity capital to assets | 11.9335% | 1,069 |
| Core capital (leverage) ratio | 7.1660% | 4,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0446% | 1,564 |
| Memoranda: | ||
| Average total assets | $32,030,666,667 | 65 |
| Average earning assets | $29,492,333,333 | 64 |
| Average equity | $3,873,333,333 | 55 |
| Average total loans | $19,513,666,667 | 67 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 2,686 |
| Cost of funding earning assets | 3.2639% | 15 |
| Net interest margin | 1.0834% | 4,654 |
| Noninterest income to average assets | 2.5100% | 189 |
| Noninterest expense to average assets | 2.6385% | 1,847 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6060% | 3,676 |
| Return on assets (ROA) | 0.6060% | 3,637 |
| Pretax return on assets | 0.8711% | 3,309 |
| Return on Equity (ROE) | 4.9800% | 3,894 |
| Retained earnings to average equity (ytd only) | -5.3921% | 4,346 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.4604% | 1,288 |
| Assets per employee ($millions) | 20.7570% | 91 |
| Cash dividends to net income (ytd only)* | 208.3333% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1085% | 4,571 |
| Loan loss allowance to noncurrent loans | 40.3846% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 2,371 |
| Noncurrent loans to loans | 0.2686% | 2,184 |
| Net loans and leases to total assets | 60.5500% | 2,588 |
| Net loans and leases to deposits | 77.1581% | 2,023 |
| Net loans and leases to core deposits | 127.9402% | 304 |
| Total domestic deposits to total assets | 78.4700% | 3,944 |
| Equity capital to assets | 12.0269% | 989 |
| Core capital (leverage) ratio | 7.3735% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7744% | 1,693 |
| Memoranda: | ||
| Average total assets | $31,684,500,000 | 71 |
| Average earning assets | $29,167,500,000 | 68 |
| Average equity | $3,857,500,000 | 57 |
| Average total loans | $19,518,000,000 | 70 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3884% | 4,537 |
| Cost of funding earning assets | 1.0796% | 123 |
| Net interest margin | 1.3088% | 4,650 |
| Noninterest income to average assets | 2.5500% | 199 |
| Noninterest expense to average assets | 2.3734% | 2,502 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0579% | 2,342 |
| Return on assets (ROA) | 1.0579% | 2,289 |
| Pretax return on assets | 1.3768% | 1,839 |
| Return on Equity (ROE) | 8.9200% | 3,148 |
| Retained earnings to average equity (ytd only) | 1.9390% | 3,991 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.2041% | 2,733 |
| Assets per employee ($millions) | 19.5666% | 103 |
| Cash dividends to net income (ytd only)* | 78.2609% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1067% | 4,596 |
| Loan loss allowance to noncurrent loans | 38.8889% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 2,345 |
| Noncurrent loans to loans | 0.2745% | 2,175 |
| Net loans and leases to total assets | 62.5400% | 2,376 |
| Net loans and leases to deposits | 74.3436% | 2,229 |
| Net loans and leases to core deposits | 116.4149% | 441 |
| Total domestic deposits to total assets | 84.1200% | 3,181 |
| Equity capital to assets | 12.3250% | 845 |
| Core capital (leverage) ratio | 7.3717% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7323% | 1,720 |
| Memoranda: | ||
| Average total assets | $32,611,400,000 | 73 |
| Average earning assets | $30,103,600,000 | 72 |
| Average equity | $3,868,000,000 | 63 |
| Average total loans | $19,484,400,000 | 68 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9443% | 4,620 |
| Cost of funding earning assets | 0.6276% | 379 |
| Net interest margin | 1.3167% | 4,658 |
| Noninterest income to average assets | 2.5600% | 206 |
| Noninterest expense to average assets | 2.2972% | 2,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1223% | 1,995 |
| Return on assets (ROA) | 1.1223% | 1,964 |
| Pretax return on assets | 1.4748% | 1,485 |
| Return on Equity (ROE) | 9.5500% | 2,858 |
| Retained earnings to average equity (ytd only) | 5.4135% | 2,950 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.9356% | 3,119 |
| Assets per employee ($millions) | 19.4863% | 108 |
| Cash dividends to net income (ytd only)* | 43.3213% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0952% | 4,640 |
| Loan loss allowance to noncurrent loans | 31.1475% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 2,307 |
| Noncurrent loans to loans | 0.3055% | 2,151 |
| Net loans and leases to total assets | 63.5800% | 2,133 |
| Net loans and leases to deposits | 75.6160% | 1,912 |
| Net loans and leases to core deposits | 117.1778% | 311 |
| Total domestic deposits to total assets | 84.0800% | 3,489 |
| Equity capital to assets | 12.5873% | 754 |
| Core capital (leverage) ratio | 7.6181% | 4,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6689% | 2,903 |
| Memoranda: | ||
| Average total assets | $32,908,250,000 | 72 |
| Average earning assets | $30,378,250,000 | 72 |
| Average equity | $3,866,750,000 | 64 |
| Average total loans | $19,437,250,000 | 68 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5394% | 4,702 |
| Cost of funding earning assets | 0.3040% | 1,685 |
| Net interest margin | 1.2354% | 4,712 |
| Noninterest income to average assets | 2.5673% | 178 |
| Noninterest expense to average assets | 2.2741% | 2,621 |
| Loan and lease loss provision to assets | -0.0180% | 4,421 |
| Net operating income to assets | 1.1131% | 1,727 |
| Return on assets (ROA) | 1.1131% | 1,704 |
| Pretax return on assets | 1.4542% | 1,301 |
| Return on Equity (ROE) | 9.6892% | 2,457 |
| Retained earnings to average equity (ytd only) | 5.5218% | 2,501 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3226% | 3,258 |
| Assets per employee ($millions) | 19.3511% | 108 |
| Cash dividends to net income (ytd only)* | 43.0108% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0795% | 4,709 |
| Loan loss allowance to noncurrent loans | 24.2424% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 2,275 |
| Noncurrent loans to loans | 0.3279% | 2,163 |
| Net loans and leases to total assets | 63.5734% | 1,953 |
| Net loans and leases to deposits | 75.3700% | 1,734 |
| Net loans and leases to core deposits | 108.2504% | 389 |
| Total domestic deposits to total assets | 84.3484% | 3,612 |
| Equity capital to assets | 12.3202% | 796 |
| Core capital (leverage) ratio | 6.8418% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3376% | 2,963 |
| Memoranda: | ||
| Average total assets | $33,420,000,000 | 70 |
| Average earning assets | $30,920,333,333 | 71 |
| Average equity | $3,839,333,333 | 64 |
| Average total loans | $19,261,333,333 | 68 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2682% | 4,746 |
| Cost of funding earning assets | 0.1758% | 3,147 |
| Net interest margin | 1.0924% | 4,741 |
| Noninterest income to average assets | 2.6114% | 177 |
| Noninterest expense to average assets | 2.2617% | 2,650 |
| Loan and lease loss provision to assets | -0.0117% | 4,424 |
| Net operating income to assets | 1.0726% | 1,611 |
| Return on assets (ROA) | 1.0726% | 1,604 |
| Pretax return on assets | 1.3757% | 1,313 |
| Return on Equity (ROE) | 9.6588% | 2,100 |
| Retained earnings to average equity (ytd only) | 5.4593% | 2,429 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4148% | 3,335 |
| Assets per employee ($millions) | 21.5028% | 89 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0942% | 4,732 |
| Loan loss allowance to noncurrent loans | 26.4706% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 2,457 |
| Noncurrent loans to loans | 0.3557% | 2,207 |
| Net loans and leases to total assets | 55.1312% | 2,620 |
| Net loans and leases to deposits | 64.1540% | 2,514 |
| Net loans and leases to core deposits | 81.5736% | 1,371 |
| Total domestic deposits to total assets | 85.9357% | 3,278 |
| Equity capital to assets | 11.0880% | 1,292 |
| Core capital (leverage) ratio | 6.4622% | 4,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6311% | 2,961 |
| Memoranda: | ||
| Average total assets | $34,310,500,000 | 71 |
| Average earning assets | $31,856,000,000 | 69 |
| Average equity | $3,810,000,000 | 66 |
| Average total loans | $18,827,000,000 | 71 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3781% | 4,758 |
| Cost of funding earning assets | 0.2137% | 3,332 |
| Net interest margin | 1.1644% | 4,763 |
| Noninterest income to average assets | 2.8637% | 197 |
| Noninterest expense to average assets | 2.2585% | 2,919 |
| Loan and lease loss provision to assets | -0.0542% | 4,374 |
| Net operating income to assets | 1.2908% | 1,623 |
| Return on assets (ROA) | 1.1977% | 1,985 |
| Pretax return on assets | 1.5832% | 1,472 |
| Return on Equity (ROE) | 9.9582% | 2,537 |
| Retained earnings to average equity (ytd only) | 7.3097% | 1,806 |
| Net charge-offs to loans | 0.0057% | 2,378 |
| Credit loss provision to net charge-offs | -1,700.0000% | 4,025 |
| Earnings coverage of net charge-offs (x) | 517.0000% | 268 |
| Efficiency ratio | 56.7700% | 3,605 |
| Assets per employee ($millions) | 21.0142% | 93 |
| Cash dividends to net income (ytd only)* | 26.5957% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1025% | 4,769 |
| Loan loss allowance to noncurrent loans | 79.1667% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 3,469 |
| Noncurrent loans to loans | 0.1295% | 3,283 |
| Net loans and leases to total assets | 54.4997% | 2,789 |
| Net loans and leases to deposits | 63.5671% | 2,727 |
| Net loans and leases to core deposits | 83.6261% | 1,352 |
| Total domestic deposits to total assets | 85.7357% | 3,003 |
| Equity capital to assets | 11.1212% | 1,719 |
| Core capital (leverage) ratio | 7.2010% | 4,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6837% | 2,955 |
| Memoranda: | ||
| Average total assets | $31,392,600,000 | 72 |
| Average earning assets | $28,082,200,000 | 74 |
| Average equity | $3,775,800,000 | 66 |
| Average total loans | $17,546,800,000 | 76 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4251% | 4,838 |
| Cost of funding earning assets | 0.2253% | 3,372 |
| Net interest margin | 1.1999% | 4,842 |
| Noninterest income to average assets | 2.9185% | 203 |
| Noninterest expense to average assets | 2.2333% | 2,961 |
| Loan and lease loss provision to assets | -0.0390% | 4,421 |
| Net operating income to assets | 1.3583% | 1,659 |
| Return on assets (ROA) | 1.2316% | 2,118 |
| Pretax return on assets | 1.6262% | 1,622 |
| Return on Equity (ROE) | 10.0307% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.2647% | 1,968 |
| Net charge-offs to loans | 0.0077% | 2,030 |
| Credit loss provision to net charge-offs | -900.0000% | 3,821 |
| Earnings coverage of net charge-offs (x) | 403.0000% | 352 |
| Efficiency ratio | 55.0109% | 3,656 |
| Assets per employee ($millions) | 18.5551% | 126 |
| Cash dividends to net income (ytd only)* | 17.6056% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1498% | 4,844 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 3,549 |
| Noncurrent loans to loans | 0.1332% | 3,443 |
| Net loans and leases to total assets | 61.7358% | 2,040 |
| Net loans and leases to deposits | 73.8510% | 1,871 |
| Net loans and leases to core deposits | 103.7951% | 464 |
| Total domestic deposits to total assets | 83.5952% | 3,563 |
| Equity capital to assets | 12.8062% | 1,051 |
| Core capital (leverage) ratio | 7.3994% | 4,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6176% | 3,030 |
| Memoranda: | ||
| Average total assets | $30,745,750,000 | 74 |
| Average earning assets | $27,224,750,000 | 76 |
| Average equity | $3,775,000,000 | 67 |
| Average total loans | $17,299,000,000 | 76 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4022% | 4,875 |
| Cost of funding earning assets | 0.2157% | 3,593 |
| Net interest margin | 1.1865% | 4,882 |
| Noninterest income to average assets | 2.8455% | 206 |
| Noninterest expense to average assets | 2.1933% | 3,109 |
| Loan and lease loss provision to assets | 0.0256% | 2,463 |
| Net operating income to assets | 1.2803% | 1,919 |
| Return on assets (ROA) | 1.0934% | 2,643 |
| Pretax return on assets | 1.4451% | 2,190 |
| Return on Equity (ROE) | 9.0261% | 3,091 |
| Retained earnings to average equity (ytd only) | 9.0261% | 1,699 |
| Net charge-offs to loans | 0.0117% | 1,724 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 410 |
| Efficiency ratio | 55.0820% | 3,663 |
| Assets per employee ($millions) | 17.9519% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2255% | 4,870 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 3,651 |
| Noncurrent loans to loans | 0.1353% | 3,516 |
| Net loans and leases to total assets | 61.5494% | 2,229 |
| Net loans and leases to deposits | 73.6682% | 2,031 |
| Net loans and leases to core deposits | 107.7424% | 420 |
| Total domestic deposits to total assets | 83.5495% | 3,561 |
| Equity capital to assets | 12.7404% | 1,032 |
| Core capital (leverage) ratio | 7.0631% | 4,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3761% | 3,054 |
| Memoranda: | ||
| Average total assets | $31,277,666,667 | 73 |
| Average earning assets | $27,812,666,667 | 76 |
| Average equity | $3,789,000,000 | 67 |
| Average total loans | $17,057,666,667 | 77 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3583% | 4,915 |
| Cost of funding earning assets | 0.2058% | 3,861 |
| Net interest margin | 1.1525% | 4,917 |
| Noninterest income to average assets | 2.6923% | 237 |
| Noninterest expense to average assets | 2.1268% | 3,338 |
| Loan and lease loss provision to assets | 0.0246% | 2,465 |
| Net operating income to assets | 1.1953% | 2,166 |
| Return on assets (ROA) | 0.8360% | 3,392 |
| Pretax return on assets | 1.1187% | 3,069 |
| Return on Equity (ROE) | 7.0622% | 3,593 |
| Retained earnings to average equity (ytd only) | 7.0622% | 2,559 |
| Net charge-offs to loans | 0.0239% | 1,269 |
| Credit loss provision to net charge-offs | 200.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 527 |
| Efficiency ratio | 56.1056% | 3,534 |
| Assets per employee ($millions) | 20.1534% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2254% | 4,899 |
| Loan loss allowance to noncurrent loans | 146.1538% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 3,793 |
| Noncurrent loans to loans | 0.1542% | 3,561 |
| Net loans and leases to total assets | 53.1348% | 3,330 |
| Net loans and leases to deposits | 63.5478% | 3,166 |
| Net loans and leases to core deposits | 98.7439% | 766 |
| Total domestic deposits to total assets | 83.6139% | 3,540 |
| Equity capital to assets | 11.8632% | 1,354 |
| Core capital (leverage) ratio | 6.6706% | 4,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0698% | 2,919 |
| Memoranda: | ||
| Average total assets | $32,537,000,000 | 71 |
| Average earning assets | $29,155,000,000 | 72 |
| Average equity | $3,851,500,000 | 67 |
| Average total loans | $16,716,000,000 | 78 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7093% | 4,936 |
| Cost of funding earning assets | 0.5409% | 2,671 |
| Net interest margin | 1.1684% | 4,948 |
| Noninterest income to average assets | 2.5790% | 234 |
| Noninterest expense to average assets | 2.1772% | 3,730 |
| Loan and lease loss provision to assets | 0.0778% | 3,407 |
| Net operating income to assets | 1.0361% | 2,155 |
| Return on assets (ROA) | 1.0335% | 2,311 |
| Pretax return on assets | 1.3705% | 1,751 |
| Return on Equity (ROE) | 8.1707% | 2,751 |
| Retained earnings to average equity (ytd only) | 0.9989% | 4,231 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6607% | 3,639 |
| Assets per employee ($millions) | 21.4186% | 81 |
| Cash dividends to net income (ytd only)* | 87.7743% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2233% | 4,922 |
| Loan loss allowance to noncurrent loans | 246.6667% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 4,121 |
| Noncurrent loans to loans | 0.0905% | 3,927 |
| Net loans and leases to total assets | 49.4837% | 3,862 |
| Net loans and leases to deposits | 58.1712% | 3,881 |
| Net loans and leases to core deposits | 87.8627% | 1,704 |
| Total domestic deposits to total assets | 85.0657% | 2,737 |
| Equity capital to assets | 11.8128% | 1,671 |
| Core capital (leverage) ratio | 7.5042% | 4,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0001% | 2,625 |
| Memoranda: | ||
| Average total assets | $30,864,800,000 | 70 |
| Average earning assets | $27,730,600,000 | 70 |
| Average equity | $3,904,200,000 | 66 |
| Average total loans | $16,345,600,000 | 80 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8307% | 4,977 |
| Cost of funding earning assets | 0.6643% | 2,232 |
| Net interest margin | 1.1663% | 4,992 |
| Noninterest income to average assets | 2.6245% | 223 |
| Noninterest expense to average assets | 2.2187% | 3,639 |
| Loan and lease loss provision to assets | 0.1279% | 2,750 |
| Net operating income to assets | 0.9959% | 2,352 |
| Return on assets (ROA) | 0.9924% | 2,501 |
| Pretax return on assets | 1.3188% | 1,979 |
| Return on Equity (ROE) | 7.7050% | 2,921 |
| Retained earnings to average equity (ytd only) | 0.5137% | 4,383 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1346% | 3,502 |
| Assets per employee ($millions) | 19.3674% | 96 |
| Cash dividends to net income (ytd only)* | 93.3333% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2597% | 4,948 |
| Loan loss allowance to noncurrent loans | 381.8182% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 4,273 |
| Noncurrent loans to loans | 0.0680% | 4,100 |
| Net loans and leases to total assets | 53.2267% | 3,870 |
| Net loans and leases to deposits | 63.5909% | 3,823 |
| Net loans and leases to core deposits | 99.4943% | 1,196 |
| Total domestic deposits to total assets | 83.7017% | 2,927 |
| Equity capital to assets | 12.9363% | 1,212 |
| Core capital (leverage) ratio | 7.6106% | 4,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0251% | 2,604 |
| Memoranda: | ||
| Average total assets | $30,227,750,000 | 71 |
| Average earning assets | $27,093,500,000 | 69 |
| Average equity | $3,893,500,000 | 65 |
| Average total loans | $16,289,250,000 | 80 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9775% | 5,019 |
| Cost of funding earning assets | 0.8579% | 1,560 |
| Net interest margin | 1.1196% | 5,042 |
| Noninterest income to average assets | 2.5828% | 213 |
| Noninterest expense to average assets | 2.3046% | 3,502 |
| Loan and lease loss provision to assets | 0.1060% | 2,949 |
| Net operating income to assets | 0.8993% | 2,691 |
| Return on assets (ROA) | 0.8940% | 2,830 |
| Pretax return on assets | 1.1854% | 2,408 |
| Return on Equity (ROE) | 6.9510% | 3,150 |
| Retained earnings to average equity (ytd only) | -0.2574% | 4,356 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 3,048 |
| Assets per employee ($millions) | 18.9099% | 90 |
| Cash dividends to net income (ytd only)* | 103.7037% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1799% | 4,999 |
| Loan loss allowance to noncurrent loans | 241.6667% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 4,342 |
| Noncurrent loans to loans | 0.0744% | 4,164 |
| Net loans and leases to total assets | 53.2163% | 3,939 |
| Net loans and leases to deposits | 63.4904% | 3,923 |
| Net loans and leases to core deposits | 203.2719% | 39 |
| Total domestic deposits to total assets | 83.8178% | 2,809 |
| Equity capital to assets | 12.8915% | 1,213 |
| Core capital (leverage) ratio | 7.4799% | 4,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3497% | 2,463 |
| Memoranda: | ||
| Average total assets | $30,200,333,333 | 70 |
| Average earning assets | $27,509,666,667 | 70 |
| Average equity | $3,884,333,333 | 65 |
| Average total loans | $16,327,333,333 | 78 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3516% | 5,065 |
| Cost of funding earning assets | 1.2853% | 585 |
| Net interest margin | 1.0662% | 5,101 |
| Noninterest income to average assets | 2.6506% | 179 |
| Noninterest expense to average assets | 2.3060% | 3,758 |
| Loan and lease loss provision to assets | 0.0265% | 3,459 |
| Net operating income to assets | 0.9675% | 2,291 |
| Return on assets (ROA) | 0.9675% | 2,395 |
| Pretax return on assets | 1.2855% | 1,911 |
| Return on Equity (ROE) | 7.5306% | 2,723 |
| Retained earnings to average equity (ytd only) | 0.3095% | 3,919 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2711% | 3,468 |
| Assets per employee ($millions) | 19.4253% | 70 |
| Cash dividends to net income (ytd only)* | 95.8904% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0911% | 5,050 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 4,461 |
| Noncurrent loans to loans | 0.0607% | 4,302 |
| Net loans and leases to total assets | 52.9571% | 4,060 |
| Net loans and leases to deposits | 63.5735% | 4,004 |
| Net loans and leases to core deposits | 205.8183% | 37 |
| Total domestic deposits to total assets | 83.3006% | 3,020 |
| Equity capital to assets | 12.5398% | 1,706 |
| Core capital (leverage) ratio | 7.8184% | 5,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9664% | 2,718 |
| Memoranda: | ||
| Average total assets | $30,182,000,000 | 70 |
| Average earning assets | $27,386,000,000 | 68 |
| Average equity | $3,877,500,000 | 64 |
| Average total loans | $16,431,000,000 | 77 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9203% | 5,074 |
| Cost of funding earning assets | 1.8816% | 104 |
| Net interest margin | 1.0388% | 5,155 |
| Noninterest income to average assets | 2.8308% | 165 |
| Noninterest expense to average assets | 2.4032% | 3,686 |
| Loan and lease loss provision to assets | 0.0035% | 3,934 |
| Net operating income to assets | 1.0355% | 2,711 |
| Return on assets (ROA) | 1.0355% | 2,803 |
| Pretax return on assets | 1.3606% | 2,294 |
| Return on Equity (ROE) | 7.6013% | 3,320 |
| Retained earnings to average equity (ytd only) | -1.4787% | 4,842 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1951% | 3,344 |
| Assets per employee ($millions) | 18.4412% | 74 |
| Cash dividends to net income (ytd only)* | 119.4539% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1647% | 5,096 |
| Loan loss allowance to noncurrent loans | 337.5000% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 4,514 |
| Noncurrent loans to loans | 0.0488% | 4,352 |
| Net loans and leases to total assets | 55.8680% | 3,930 |
| Net loans and leases to deposits | 68.0113% | 3,817 |
| Net loans and leases to core deposits | 226.5882% | 34 |
| Total domestic deposits to total assets | 82.1452% | 3,468 |
| Equity capital to assets | 13.1727% | 1,426 |
| Core capital (leverage) ratio | 7.7797% | 5,075 |
| Tier 1 risk-based capital ratio | 11.3119% | 4,729 |
| Total risk-based capital ratio | 12.5380% | 4,629 |
| Memoranda: | ||
| Average total assets | $28,295,774,000 | 69 |
| Average earning assets | $25,510,797,600 | 68 |
| Average equity | $3,854,608,400 | 62 |
| Average total loans | $16,032,242,600 | 73 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0261% | 5,146 |
| Cost of funding earning assets | 1.9646% | 73 |
| Net interest margin | 1.0615% | 5,241 |
| Noninterest income to average assets | 2.8431% | 166 |
| Noninterest expense to average assets | 2.4152% | 3,640 |
| Loan and lease loss provision to assets | -0.0048% | 5,041 |
| Net operating income to assets | 1.0555% | 2,761 |
| Return on assets (ROA) | 1.0555% | 2,844 |
| Pretax return on assets | 1.3883% | 2,356 |
| Return on Equity (ROE) | 7.6816% | 3,441 |
| Retained earnings to average equity (ytd only) | -1.8339% | 4,913 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9524% | 3,336 |
| Assets per employee ($millions) | 17.3244% | 85 |
| Cash dividends to net income (ytd only)* | 123.8739% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1560% | 5,173 |
| Loan loss allowance to noncurrent loans | 312.5000% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 4,589 |
| Noncurrent loans to loans | 0.0499% | 4,422 |
| Net loans and leases to total assets | 57.5028% | 3,920 |
| Net loans and leases to deposits | 70.7983% | 3,705 |
| Net loans and leases to core deposits | 260.7824% | 26 |
| Total domestic deposits to total assets | 81.2206% | 3,690 |
| Equity capital to assets | 13.8698% | 1,203 |
| Core capital (leverage) ratio | 8.2961% | 5,032 |
| Tier 1 risk-based capital ratio | 11.5940% | 4,628 |
| Total risk-based capital ratio | 12.8421% | 4,525 |
| Memoranda: | ||
| Average total assets | $28,043,967,500 | 70 |
| Average earning assets | $25,245,997,000 | 70 |
| Average equity | $3,853,260,500 | 63 |
| Average total loans | $15,940,803,250 | 75 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0688% | 5,195 |
| Cost of funding earning assets | 1.9959% | 61 |
| Net interest margin | 1.0729% | 5,285 |
| Noninterest income to average assets | 2.8381% | 171 |
| Noninterest expense to average assets | 2.4255% | 3,671 |
| Loan and lease loss provision to assets | -0.0071% | 5,115 |
| Net operating income to assets | 1.0598% | 2,681 |
| Return on assets (ROA) | 1.0598% | 2,746 |
| Pretax return on assets | 1.3870% | 2,241 |
| Return on Equity (ROE) | 7.7376% | 3,411 |
| Retained earnings to average equity (ytd only) | -2.6484% | 4,954 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0561% | 3,423 |
| Assets per employee ($millions) | 17.1269% | 77 |
| Cash dividends to net income (ytd only)* | 134.2282% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1582% | 5,227 |
| Loan loss allowance to noncurrent loans | 357.1429% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 4,657 |
| Noncurrent loans to loans | 0.0443% | 4,488 |
| Net loans and leases to total assets | 57.0318% | 4,007 |
| Net loans and leases to deposits | 75.0083% | 3,424 |
| Net loans and leases to core deposits | 248.4252% | 29 |
| Total domestic deposits to total assets | 76.0340% | 4,661 |
| Equity capital to assets | 13.9226% | 1,146 |
| Core capital (leverage) ratio | 8.2417% | 5,089 |
| Tier 1 risk-based capital ratio | 11.7202% | 4,560 |
| Total risk-based capital ratio | 12.9890% | 4,452 |
| Memoranda: | ||
| Average total assets | $28,117,623,330 | 68 |
| Average earning assets | $25,351,662,670 | 69 |
| Average equity | $3,851,347,330 | 63 |
| Average total loans | $15,913,071,000 | 74 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0793% | 5,249 |
| Cost of funding earning assets | 2.0267% | 49 |
| Net interest margin | 1.0526% | 5,352 |
| Noninterest income to average assets | 2.8081% | 163 |
| Noninterest expense to average assets | 2.5964% | 3,225 |
| Loan and lease loss provision to assets | 0.0282% | 3,047 |
| Net operating income to assets | 0.8749% | 3,332 |
| Return on assets (ROA) | 0.8749% | 3,378 |
| Pretax return on assets | 1.1289% | 3,046 |
| Return on Equity (ROE) | 6.4390% | 3,862 |
| Retained earnings to average equity (ytd only) | -3.9465% | 4,863 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6692% | 2,682 |
| Assets per employee ($millions) | 16.6769% | 79 |
| Cash dividends to net income (ytd only)* | 161.2903% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1757% | 5,286 |
| Loan loss allowance to noncurrent loans | 311.1111% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,675 |
| Noncurrent loans to loans | 0.0565% | 4,514 |
| Net loans and leases to total assets | 57.1845% | 3,969 |
| Net loans and leases to deposits | 81.8303% | 2,623 |
| Net loans and leases to core deposits | 233.9609% | 37 |
| Total domestic deposits to total assets | 69.8817% | 5,113 |
| Equity capital to assets | 13.8333% | 1,098 |
| Core capital (leverage) ratio | 7.9310% | 5,223 |
| Tier 1 risk-based capital ratio | 11.6744% | 4,639 |
| Total risk-based capital ratio | 12.9598% | 4,513 |
| Memoranda: | ||
| Average total assets | $28,346,435,000 | 66 |
| Average earning assets | $25,460,494,000 | 69 |
| Average equity | $3,851,521,000 | 62 |
| Average total loans | $15,969,606,500 | 75 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8218% | 5,286 |
| Cost of funding earning assets | 1.3931% | 147 |
| Net interest margin | 1.4287% | 5,374 |
| Noninterest income to average assets | 3.2640% | 142 |
| Noninterest expense to average assets | 2.8925% | 2,378 |
| Loan and lease loss provision to assets | 0.0088% | 3,949 |
| Net operating income to assets | 1.2370% | 2,024 |
| Return on assets (ROA) | 1.2351% | 2,021 |
| Pretax return on assets | 1.6327% | 1,368 |
| Return on Equity (ROE) | 8.1313% | 3,384 |
| Retained earnings to average equity (ytd only) | 4.1343% | 3,284 |
| Net charge-offs to loans | 0.0030% | 3,634 |
| Credit loss provision to net charge-offs | 453.5417% | 755 |
| Earnings coverage of net charge-offs (x) | 846.2083% | 125 |
| Efficiency ratio | 62.0737% | 3,510 |
| Assets per employee ($millions) | 15.9977% | 89 |
| Cash dividends to net income (ytd only)* | 49.1557% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1641% | 5,331 |
| Loan loss allowance to noncurrent loans | 299.5552% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 4,706 |
| Noncurrent loans to loans | 0.0548% | 4,502 |
| Net loans and leases to total assets | 55.3332% | 4,175 |
| Net loans and leases to deposits | 74.5174% | 3,458 |
| Net loans and leases to core deposits | 236.6361% | 32 |
| Total domestic deposits to total assets | 74.2554% | 4,931 |
| Equity capital to assets | 13.3504% | 1,203 |
| Core capital (leverage) ratio | 9.3760% | 4,265 |
| Tier 1 risk-based capital ratio | 11.7146% | 4,619 |
| Total risk-based capital ratio | 12.9958% | 4,473 |
| Memoranda: | ||
| Average total assets | $24,707,043,800 | 74 |
| Average earning assets | $22,004,866,800 | 74 |
| Average equity | $3,752,825,600 | 60 |
| Average total loans | $16,144,605,800 | 76 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8675% | 5,336 |
| Cost of funding earning assets | 1.3610% | 122 |
| Net interest margin | 1.5066% | 5,450 |
| Noninterest income to average assets | 3.4329% | 139 |
| Noninterest expense to average assets | 3.0090% | 1,997 |
| Loan and lease loss provision to assets | 0.0070% | 3,833 |
| Net operating income to assets | 1.3313% | 1,736 |
| Return on assets (ROA) | 1.3285% | 1,758 |
| Pretax return on assets | 1.7533% | 1,132 |
| Return on Equity (ROE) | 8.4351% | 3,360 |
| Retained earnings to average equity (ytd only) | 3.0693% | 4,206 |
| Net charge-offs to loans | 0.0017% | 3,436 |
| Credit loss provision to net charge-offs | 604.3478% | 591 |
| Earnings coverage of net charge-offs (x) | 1,512.3697% | 47 |
| Efficiency ratio | 61.3711% | 3,606 |
| Assets per employee ($millions) | 12.6999% | 167 |
| Cash dividends to net income (ytd only)* | 63.6122% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1608% | 5,403 |
| Loan loss allowance to noncurrent loans | 670.9982% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,917 |
| Noncurrent loans to loans | 0.0240% | 4,795 |
| Net loans and leases to total assets | 68.1055% | 2,917 |
| Net loans and leases to deposits | 97.5848% | 988 |
| Net loans and leases to core deposits | 264.5452% | 26 |
| Total domestic deposits to total assets | 69.7911% | 5,219 |
| Equity capital to assets | 16.1364% | 519 |
| Core capital (leverage) ratio | 9.3218% | 4,373 |
| Tier 1 risk-based capital ratio | 11.6404% | 4,715 |
| Total risk-based capital ratio | 12.9707% | 4,541 |
| Memoranda: | ||
| Average total assets | $23,664,837,250 | 74 |
| Average earning assets | $21,046,336,500 | 75 |
| Average equity | $3,727,271,500 | 60 |
| Average total loans | $16,179,704,000 | 75 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8128% | 5,399 |
| Cost of funding earning assets | 1.2996% | 110 |
| Net interest margin | 1.5132% | 5,510 |
| Noninterest income to average assets | 3.4265% | 138 |
| Noninterest expense to average assets | 2.9972% | 2,048 |
| Loan and lease loss provision to assets | 0.0220% | 3,473 |
| Net operating income to assets | 1.3270% | 1,673 |
| Return on assets (ROA) | 1.3230% | 1,691 |
| Pretax return on assets | 1.7457% | 1,104 |
| Return on Equity (ROE) | 8.4678% | 3,279 |
| Retained earnings to average equity (ytd only) | 5.7749% | 2,686 |
| Net charge-offs to loans | 0.0005% | 3,200 |
| Credit loss provision to net charge-offs | 6,692.3077% | 62 |
| Earnings coverage of net charge-offs (x) | 5,401.9231% | 9 |
| Efficiency ratio | 61.1673% | 3,746 |
| Assets per employee ($millions) | 12.6925% | 161 |
| Cash dividends to net income (ytd only)* | 31.8018% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1672% | 5,462 |
| Loan loss allowance to noncurrent loans | 858.8291% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 4,970 |
| Noncurrent loans to loans | 0.0195% | 4,850 |
| Net loans and leases to total assets | 68.9960% | 2,728 |
| Net loans and leases to deposits | 97.6169% | 992 |
| Net loans and leases to core deposits | 251.4591% | 27 |
| Total domestic deposits to total assets | 70.6804% | 5,250 |
| Equity capital to assets | 16.1448% | 483 |
| Core capital (leverage) ratio | 9.2366% | 4,432 |
| Tier 1 risk-based capital ratio | 11.4440% | 4,808 |
| Total risk-based capital ratio | 12.7494% | 4,684 |
| Memoranda: | ||
| Average total assets | $23,768,072,330 | 74 |
| Average earning assets | $21,103,040,670 | 75 |
| Average equity | $3,713,468,670 | 60 |
| Average total loans | $16,262,355,000 | 75 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6971% | 5,483 |
| Cost of funding earning assets | 1.1561% | 168 |
| Net interest margin | 1.5410% | 5,578 |
| Noninterest income to average assets | 3.4521% | 137 |
| Noninterest expense to average assets | 3.0617% | 1,918 |
| Loan and lease loss provision to assets | 0.0192% | 3,284 |
| Net operating income to assets | 1.3477% | 1,486 |
| Return on assets (ROA) | 1.3396% | 1,525 |
| Pretax return on assets | 1.7372% | 1,029 |
| Return on Equity (ROE) | 8.7170% | 3,046 |
| Retained earnings to average equity (ytd only) | 5.9957% | 2,705 |
| Net charge-offs to loans | 0.0000% | 2,721 |
| Credit loss provision to net charge-offs | 114,600.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 105,604.0000% | 1 |
| Efficiency ratio | 61.7742% | 3,826 |
| Assets per employee ($millions) | 12.8077% | 161 |
| Cash dividends to net income (ytd only)* | 31.2184% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1581% | 5,528 |
| Loan loss allowance to noncurrent loans | 1,038.4895% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,073 |
| Noncurrent loans to loans | 0.0152% | 4,924 |
| Net loans and leases to total assets | 68.0296% | 2,767 |
| Net loans and leases to deposits | 86.9033% | 2,061 |
| Net loans and leases to core deposits | 247.0081% | 33 |
| Total domestic deposits to total assets | 78.2820% | 4,691 |
| Equity capital to assets | 15.6675% | 546 |
| Core capital (leverage) ratio | 8.9185% | 4,778 |
| Tier 1 risk-based capital ratio | 11.1760% | 5,041 |
| Total risk-based capital ratio | 12.4782% | 4,911 |
| Memoranda: | ||
| Average total assets | $23,911,568,500 | 75 |
| Average earning assets | $21,354,676,500 | 76 |
| Average equity | $3,674,711,500 | 64 |
| Average total loans | $16,279,456,000 | 75 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3493% | 5,581 |
| Cost of funding earning assets | 0.6963% | 1,046 |
| Net interest margin | 1.6531% | 5,608 |
| Noninterest income to average assets | 3.2785% | 161 |
| Noninterest expense to average assets | 3.0603% | 1,979 |
| Loan and lease loss provision to assets | 0.0082% | 4,103 |
| Net operating income to assets | 1.0329% | 2,113 |
| Return on assets (ROA) | 1.0319% | 2,149 |
| Pretax return on assets | 1.6923% | 1,023 |
| Return on Equity (ROE) | 6.9421% | 3,310 |
| Retained earnings to average equity (ytd only) | 5.5218% | 1,805 |
| Net charge-offs to loans | 0.0017% | 4,056 |
| Credit loss provision to net charge-offs | 703.6364% | 464 |
| Earnings coverage of net charge-offs (x) | 1,465.8436% | 48 |
| Efficiency ratio | 62.4229% | 3,874 |
| Assets per employee ($millions) | 12.5063% | 162 |
| Cash dividends to net income (ytd only)* | 20.4598% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1508% | 5,592 |
| Loan loss allowance to noncurrent loans | 979.5853% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 5,114 |
| Noncurrent loans to loans | 0.0154% | 4,963 |
| Net loans and leases to total assets | 67.9241% | 2,830 |
| Net loans and leases to deposits | 90.9617% | 1,654 |
| Net loans and leases to core deposits | 223.2836% | 35 |
| Total domestic deposits to total assets | 74.6733% | 5,115 |
| Equity capital to assets | 15.0693% | 664 |
| Core capital (leverage) ratio | 8.6853% | 4,964 |
| Tier 1 risk-based capital ratio | 10.4332% | 5,394 |
| Total risk-based capital ratio | 11.7186% | 5,292 |
| Memoranda: | ||
| Average total assets | $23,683,629,200 | 70 |
| Average earning assets | $21,258,940,000 | 72 |
| Average equity | $3,520,286,600 | 58 |
| Average total loans | $15,791,945,000 | 74 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3026% | 5,650 |
| Cost of funding earning assets | 0.6075% | 1,481 |
| Net interest margin | 1.6951% | 5,675 |
| Noninterest income to average assets | 3.2344% | 174 |
| Noninterest expense to average assets | 3.0193% | 2,064 |
| Loan and lease loss provision to assets | 0.0029% | 4,052 |
| Net operating income to assets | 1.1009% | 2,090 |
| Return on assets (ROA) | 1.1030% | 2,129 |
| Pretax return on assets | 1.7407% | 1,024 |
| Return on Equity (ROE) | 7.4467% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.4467% | 1,457 |
| Net charge-offs to loans | 0.0017% | 3,710 |
| Credit loss provision to net charge-offs | 249.2683% | 1,143 |
| Earnings coverage of net charge-offs (x) | 1,503.7173% | 60 |
| Efficiency ratio | 61.5928% | 3,939 |
| Assets per employee ($millions) | 11.6544% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1450% | 5,663 |
| Loan loss allowance to noncurrent loans | 936.0887% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 5,206 |
| Noncurrent loans to loans | 0.0155% | 5,072 |
| Net loans and leases to total assets | 70.4123% | 2,498 |
| Net loans and leases to deposits | 96.4287% | 1,076 |
| Net loans and leases to core deposits | 260.1627% | 31 |
| Total domestic deposits to total assets | 73.0200% | 5,308 |
| Equity capital to assets | 15.9017% | 561 |
| Core capital (leverage) ratio | 8.8377% | 4,931 |
| Tier 1 risk-based capital ratio | 10.6714% | 5,383 |
| Total risk-based capital ratio | 11.9732% | 5,289 |
| Memoranda: | ||
| Average total assets | $23,617,151,000 | 69 |
| Average earning assets | $21,250,870,750 | 71 |
| Average equity | $3,498,103,750 | 58 |
| Average total loans | $15,666,911,750 | 73 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2012% | 5,713 |
| Cost of funding earning assets | 0.4965% | 2,190 |
| Net interest margin | 1.7047% | 5,728 |
| Noninterest income to average assets | 3.1629% | 178 |
| Noninterest expense to average assets | 3.0251% | 2,051 |
| Loan and lease loss provision to assets | 0.0178% | 3,609 |
| Net operating income to assets | 1.0569% | 2,177 |
| Return on assets (ROA) | 1.0599% | 2,204 |
| Pretax return on assets | 1.6620% | 1,156 |
| Return on Equity (ROE) | 7.3266% | 3,381 |
| Retained earnings to average equity (ytd only) | 7.3266% | 1,439 |
| Net charge-offs to loans | 0.0024% | 3,423 |
| Credit loss provision to net charge-offs | 1,144.0860% | 350 |
| Earnings coverage of net charge-offs (x) | 1,077.1290% | 63 |
| Efficiency ratio | 62.5199% | 3,902 |
| Assets per employee ($millions) | 11.8857% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1568% | 5,710 |
| Loan loss allowance to noncurrent loans | 508.3879% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 5,192 |
| Noncurrent loans to loans | 0.0308% | 5,037 |
| Net loans and leases to total assets | 68.0050% | 2,819 |
| Net loans and leases to deposits | 83.6035% | 2,533 |
| Net loans and leases to core deposits | 232.8907% | 36 |
| Total domestic deposits to total assets | 81.3422% | 4,093 |
| Equity capital to assets | 15.1900% | 674 |
| Core capital (leverage) ratio | 8.0382% | 5,507 |
| Tier 1 risk-based capital ratio | 10.2568% | 5,556 |
| Total risk-based capital ratio | 11.5711% | 5,464 |
| Memoranda: | ||
| Average total assets | $23,921,947,670 | 68 |
| Average earning assets | $21,572,232,670 | 70 |
| Average equity | $3,460,762,670 | 57 |
| Average total loans | $15,552,967,000 | 73 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0878% | 5,789 |
| Cost of funding earning assets | 0.3858% | 3,130 |
| Net interest margin | 1.7020% | 5,797 |
| Noninterest income to average assets | 3.0985% | 191 |
| Noninterest expense to average assets | 3.0292% | 2,081 |
| Loan and lease loss provision to assets | 0.0399% | 3,006 |
| Net operating income to assets | 1.0311% | 2,165 |
| Return on assets (ROA) | 1.0295% | 2,220 |
| Pretax return on assets | 1.5623% | 1,332 |
| Return on Equity (ROE) | 7.2909% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.2909% | 1,754 |
| Net charge-offs to loans | 0.0014% | 2,916 |
| Credit loss provision to net charge-offs | 4,566.0377% | 63 |
| Earnings coverage of net charge-offs (x) | 1,835.2075% | 18 |
| Efficiency ratio | 63.5272% | 3,911 |
| Assets per employee ($millions) | 12.3100% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1618% | 5,782 |
| Loan loss allowance to noncurrent loans | 579.5689% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 5,272 |
| Noncurrent loans to loans | 0.0279% | 5,105 |
| Net loans and leases to total assets | 64.8577% | 3,138 |
| Net loans and leases to deposits | 78.8458% | 2,885 |
| Net loans and leases to core deposits | 222.5283% | 36 |
| Total domestic deposits to total assets | 82.2589% | 4,094 |
| Equity capital to assets | 14.4001% | 787 |
| Core capital (leverage) ratio | 7.5725% | 5,690 |
| Tier 1 risk-based capital ratio | 9.9741% | 5,703 |
| Total risk-based capital ratio | 11.3122% | 5,642 |
| Memoranda: | ||
| Average total assets | $24,246,777,500 | 68 |
| Average earning assets | $21,871,848,500 | 69 |
| Average equity | $3,423,615,000 | 57 |
| Average total loans | $15,403,866,000 | 73 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8362% | 5,854 |
| Cost of funding earning assets | 0.2817% | 4,242 |
| Net interest margin | 1.5544% | 5,850 |
| Noninterest income to average assets | 3.0994% | 188 |
| Noninterest expense to average assets | 2.9181% | 2,611 |
| Loan and lease loss provision to assets | 0.0378% | 3,617 |
| Net operating income to assets | 0.9222% | 2,713 |
| Return on assets (ROA) | 0.9313% | 2,783 |
| Pretax return on assets | 1.5423% | 1,456 |
| Return on Equity (ROE) | 6.5802% | 3,698 |
| Retained earnings to average equity (ytd only) | 3.5659% | 3,388 |
| Net charge-offs to loans | -0.0017% | 4,692 |
| Credit loss provision to net charge-offs | -3,737.9747% | 5,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6648% | 4,153 |
| Assets per employee ($millions) | 12.7421% | 140 |
| Cash dividends to net income (ytd only)* | 45.8085% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1508% | 5,842 |
| Loan loss allowance to noncurrent loans | 491.2717% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 5,315 |
| Noncurrent loans to loans | 0.0307% | 5,146 |
| Net loans and leases to total assets | 62.0266% | 3,609 |
| Net loans and leases to deposits | 74.8980% | 3,426 |
| Net loans and leases to core deposits | 198.5431% | 39 |
| Total domestic deposits to total assets | 82.8147% | 3,826 |
| Equity capital to assets | 13.8444% | 942 |
| Core capital (leverage) ratio | 7.4767% | 5,756 |
| Tier 1 risk-based capital ratio | 9.8570% | 5,772 |
| Total risk-based capital ratio | 11.2117% | 5,709 |
| Memoranda: | ||
| Average total assets | $23,441,573,800 | 66 |
| Average earning assets | $20,880,371,400 | 66 |
| Average equity | $3,317,535,600 | 55 |
| Average total loans | $13,877,132,000 | 74 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8058% | 5,925 |
| Cost of funding earning assets | 0.2623% | 4,476 |
| Net interest margin | 1.5435% | 5,922 |
| Noninterest income to average assets | 3.1340% | 195 |
| Noninterest expense to average assets | 2.9702% | 2,398 |
| Loan and lease loss provision to assets | 0.0141% | 3,970 |
| Net operating income to assets | 0.9225% | 2,799 |
| Return on assets (ROA) | 0.9266% | 2,904 |
| Pretax return on assets | 1.5267% | 1,628 |
| Return on Equity (ROE) | 6.5102% | 3,834 |
| Retained earnings to average equity (ytd only) | 6.5102% | 1,909 |
| Net charge-offs to loans | -0.0029% | 4,521 |
| Credit loss provision to net charge-offs | -841.5808% | 5,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4188% | 4,015 |
| Assets per employee ($millions) | 12.0941% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1135% | 5,914 |
| Loan loss allowance to noncurrent loans | 354.7364% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 5,437 |
| Noncurrent loans to loans | 0.0320% | 5,254 |
| Net loans and leases to total assets | 62.3180% | 3,612 |
| Net loans and leases to deposits | 75.8595% | 3,411 |
| Net loans and leases to core deposits | 197.3240% | 46 |
| Total domestic deposits to total assets | 82.1493% | 3,901 |
| Equity capital to assets | 14.7632% | 796 |
| Core capital (leverage) ratio | 7.7482% | 5,777 |
| Tier 1 risk-based capital ratio | 10.4583% | 5,635 |
| Total risk-based capital ratio | 11.2373% | 5,755 |
| Memoranda: | ||
| Average total assets | $23,188,939,250 | 67 |
| Average earning assets | $20,588,990,250 | 67 |
| Average equity | $3,300,607,500 | 56 |
| Average total loans | $13,548,984,500 | 75 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7420% | 6,009 |
| Cost of funding earning assets | 0.2345% | 4,805 |
| Net interest margin | 1.5074% | 6,001 |
| Noninterest income to average assets | 3.0013% | 200 |
| Noninterest expense to average assets | 3.0670% | 2,150 |
| Loan and lease loss provision to assets | 0.0242% | 3,645 |
| Net operating income to assets | 0.7515% | 3,541 |
| Return on assets (ROA) | 0.7574% | 3,663 |
| Pretax return on assets | 1.2583% | 2,573 |
| Return on Equity (ROE) | 5.3890% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.3890% | 2,494 |
| Net charge-offs to loans | -0.0051% | 4,529 |
| Credit loss provision to net charge-offs | -825.0737% | 5,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4845% | 3,249 |
| Assets per employee ($millions) | 12.2750% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1210% | 5,991 |
| Loan loss allowance to noncurrent loans | 223.5294% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 5,463 |
| Noncurrent loans to loans | 0.0541% | 5,243 |
| Net loans and leases to total assets | 59.1948% | 3,987 |
| Net loans and leases to deposits | 71.4138% | 3,841 |
| Net loans and leases to core deposits | 187.9254% | 52 |
| Total domestic deposits to total assets | 82.8899% | 3,696 |
| Equity capital to assets | 14.2676% | 941 |
| Core capital (leverage) ratio | 7.5665% | 5,868 |
| Tier 1 risk-based capital ratio | 10.2770% | 5,771 |
| Total risk-based capital ratio | 11.0810% | 5,856 |
| Memoranda: | ||
| Average total assets | $23,129,965,670 | 68 |
| Average earning assets | $20,544,561,670 | 67 |
| Average equity | $3,250,964,330 | 56 |
| Average total loans | $13,206,079,670 | 77 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7104% | 6,074 |
| Cost of funding earning assets | 0.2164% | 5,039 |
| Net interest margin | 1.4940% | 6,069 |
| Noninterest income to average assets | 2.9831% | 203 |
| Noninterest expense to average assets | 3.0360% | 2,284 |
| Loan and lease loss provision to assets | -0.0118% | 5,891 |
| Net operating income to assets | 0.7640% | 3,420 |
| Return on assets (ROA) | 0.7781% | 3,464 |
| Pretax return on assets | 1.3116% | 2,257 |
| Return on Equity (ROE) | 5.5793% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.5793% | 2,597 |
| Net charge-offs to loans | -0.0107% | 4,561 |
| Credit loss provision to net charge-offs | 196.5015% | 1,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2917% | 3,414 |
| Assets per employee ($millions) | 11.6739% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1024% | 6,059 |
| Loan loss allowance to noncurrent loans | 176.2222% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 5,503 |
| Noncurrent loans to loans | 0.0581% | 5,248 |
| Net loans and leases to total assets | 58.8168% | 3,946 |
| Net loans and leases to deposits | 71.0518% | 3,746 |
| Net loans and leases to core deposits | 175.8269% | 56 |
| Total domestic deposits to total assets | 82.7801% | 3,977 |
| Equity capital to assets | 14.8433% | 730 |
| Core capital (leverage) ratio | 7.5865% | 5,911 |
| Tier 1 risk-based capital ratio | 10.7959% | 5,603 |
| Total risk-based capital ratio | 10.9439% | 5,944 |
| Memoranda: | ||
| Average total assets | $22,874,160,000 | 68 |
| Average earning assets | $20,374,751,500 | 70 |
| Average equity | $3,189,906,000 | 56 |
| Average total loans | $12,803,352,000 | 77 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4681% | 6,125 |
| Cost of funding earning assets | 0.1355% | 5,783 |
| Net interest margin | 1.3326% | 6,123 |
| Noninterest income to average assets | 3.2552% | 187 |
| Noninterest expense to average assets | 2.9261% | 2,779 |
| Loan and lease loss provision to assets | 0.0032% | 4,325 |
| Net operating income to assets | 0.9162% | 2,779 |
| Return on assets (ROA) | 0.9157% | 2,869 |
| Pretax return on assets | 1.4919% | 1,582 |
| Return on Equity (ROE) | 6.6764% | 3,696 |
| Retained earnings to average equity (ytd only) | 2.6917% | 4,155 |
| Net charge-offs to loans | 0.0041% | 4,307 |
| Credit loss provision to net charge-offs | 151.8600% | 1,756 |
| Earnings coverage of net charge-offs (x) | 718.6740% | 88 |
| Efficiency ratio | 63.8674% | 4,299 |
| Assets per employee ($millions) | 12.3254% | 138 |
| Cash dividends to net income (ytd only)* | 59.6840% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1111% | 6,106 |
| Loan loss allowance to noncurrent loans | 179.8672% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,553 |
| Noncurrent loans to loans | 0.0617% | 5,271 |
| Net loans and leases to total assets | 53.1358% | 4,584 |
| Net loans and leases to deposits | 62.9309% | 4,550 |
| Net loans and leases to core deposits | 145.6335% | 133 |
| Total domestic deposits to total assets | 84.4353% | 3,315 |
| Equity capital to assets | 13.0866% | 1,310 |
| Core capital (leverage) ratio | 6.6011% | 6,086 |
| Tier 1 risk-based capital ratio | 9.7235% | 6,016 |
| Total risk-based capital ratio | 9.8851% | 6,121 |
| Memoranda: | ||
| Average total assets | $21,956,543,200 | 69 |
| Average earning assets | $19,224,203,200 | 68 |
| Average equity | $3,011,493,600 | 59 |
| Average total loans | $11,160,816,000 | 81 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4613% | 6,222 |
| Cost of funding earning assets | 0.1366% | 5,877 |
| Net interest margin | 1.3248% | 6,218 |
| Noninterest income to average assets | 3.3001% | 189 |
| Noninterest expense to average assets | 2.9659% | 2,616 |
| Loan and lease loss provision to assets | 0.0248% | 3,767 |
| Net operating income to assets | 0.9122% | 2,903 |
| Return on assets (ROA) | 0.9126% | 2,987 |
| Pretax return on assets | 1.4624% | 1,792 |
| Return on Equity (ROE) | 6.5724% | 3,857 |
| Retained earnings to average equity (ytd only) | 2.5718% | 4,590 |
| Net charge-offs to loans | 0.0028% | 4,087 |
| Credit loss provision to net charge-offs | 1,740.2597% | 213 |
| Earnings coverage of net charge-offs (x) | 1,042.5489% | 71 |
| Efficiency ratio | 64.2861% | 4,197 |
| Assets per employee ($millions) | 11.5409% | 169 |
| Cash dividends to net income (ytd only)* | 60.8704% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1488% | 6,192 |
| Loan loss allowance to noncurrent loans | 190.4783% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 5,593 |
| Noncurrent loans to loans | 0.0781% | 5,311 |
| Net loans and leases to total assets | 53.6811% | 4,593 |
| Net loans and leases to deposits | 64.4326% | 4,523 |
| Net loans and leases to core deposits | 147.9436% | 118 |
| Total domestic deposits to total assets | 83.3137% | 3,692 |
| Equity capital to assets | 13.9954% | 1,024 |
| Core capital (leverage) ratio | 6.5639% | 6,166 |
| Tier 1 risk-based capital ratio | 10.0357% | 6,034 |
| Total risk-based capital ratio | 10.2865% | 6,179 |
| Memoranda: | ||
| Average total assets | $21,600,374,000 | 69 |
| Average earning assets | $18,788,834,750 | 68 |
| Average equity | $2,999,416,000 | 58 |
| Average total loans | $10,841,615,500 | 84 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4342% | 6,300 |
| Cost of funding earning assets | 0.1371% | 5,939 |
| Net interest margin | 1.2971% | 6,296 |
| Noninterest income to average assets | 3.3228% | 190 |
| Noninterest expense to average assets | 3.0094% | 2,525 |
| Loan and lease loss provision to assets | 0.0207% | 3,722 |
| Net operating income to assets | 0.8884% | 2,949 |
| Return on assets (ROA) | 0.8883% | 3,068 |
| Pretax return on assets | 1.4161% | 1,906 |
| Return on Equity (ROE) | 6.4141% | 3,924 |
| Retained earnings to average equity (ytd only) | 2.3961% | 4,532 |
| Net charge-offs to loans | 0.0050% | 3,721 |
| Credit loss provision to net charge-offs | 839.0977% | 413 |
| Earnings coverage of net charge-offs (x) | 582.4511% | 113 |
| Efficiency ratio | 65.3485% | 4,119 |
| Assets per employee ($millions) | 11.3719% | 173 |
| Cash dividends to net income (ytd only)* | 62.6442% | 1,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1398% | 6,266 |
| Loan loss allowance to noncurrent loans | 193.9958% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 5,698 |
| Noncurrent loans to loans | 0.0721% | 5,443 |
| Net loans and leases to total assets | 52.2034% | 4,738 |
| Net loans and leases to deposits | 62.7285% | 4,642 |
| Net loans and leases to core deposits | 118.8638% | 499 |
| Total domestic deposits to total assets | 83.2212% | 3,863 |
| Equity capital to assets | 14.1537% | 934 |
| Core capital (leverage) ratio | 6.6333% | 6,228 |
| Tier 1 risk-based capital ratio | 10.2368% | 6,022 |
| Total risk-based capital ratio | 10.4831% | 6,215 |
| Memoranda: | ||
| Average total assets | $21,564,347,670 | 70 |
| Average earning assets | $18,678,980,330 | 70 |
| Average equity | $2,986,491,000 | 57 |
| Average total loans | $10,565,252,330 | 87 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3907% | 6,376 |
| Cost of funding earning assets | 0.1360% | 6,026 |
| Net interest margin | 1.2547% | 6,370 |
| Noninterest income to average assets | 3.2814% | 200 |
| Noninterest expense to average assets | 3.0699% | 2,367 |
| Loan and lease loss provision to assets | -0.0020% | 6,071 |
| Net operating income to assets | 0.7900% | 3,316 |
| Return on assets (ROA) | 0.7877% | 3,460 |
| Pretax return on assets | 1.3006% | 2,281 |
| Return on Equity (ROE) | 5.7496% | 4,161 |
| Retained earnings to average equity (ytd only) | 2.3880% | 4,497 |
| Net charge-offs to loans | 0.0112% | 2,965 |
| Credit loss provision to net charge-offs | -38.4083% | 4,375 |
| Earnings coverage of net charge-offs (x) | 244.5917% | 231 |
| Efficiency ratio | 67.8591% | 3,850 |
| Assets per employee ($millions) | 12.0518% | 151 |
| Cash dividends to net income (ytd only)* | 58.4659% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1253% | 6,341 |
| Loan loss allowance to noncurrent loans | 147.2890% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 5,779 |
| Noncurrent loans to loans | 0.0851% | 5,442 |
| Net loans and leases to total assets | 46.7016% | 5,143 |
| Net loans and leases to deposits | 55.3612% | 5,092 |
| Net loans and leases to core deposits | 110.7471% | 715 |
| Total domestic deposits to total assets | 84.3580% | 3,673 |
| Equity capital to assets | 13.3022% | 1,261 |
| Core capital (leverage) ratio | 6.4885% | 6,298 |
| Tier 1 risk-based capital ratio | 10.3910% | 6,053 |
| Total risk-based capital ratio | 10.6274% | 6,271 |
| Memoranda: | ||
| Average total assets | $21,713,814,000 | 68 |
| Average earning assets | $18,875,422,000 | 68 |
| Average equity | $2,974,814,000 | 57 |
| Average total loans | $10,289,473,000 | 88 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5577% | 6,449 |
| Cost of funding earning assets | 0.0889% | 6,361 |
| Net interest margin | 1.4688% | 6,434 |
| Noninterest income to average assets | 3.9704% | 148 |
| Noninterest expense to average assets | 3.4745% | 1,543 |
| Loan and lease loss provision to assets | 0.0042% | 4,524 |
| Net operating income to assets | 1.0273% | 2,275 |
| Return on assets (ROA) | 1.0576% | 2,196 |
| Pretax return on assets | 1.7873% | 817 |
| Return on Equity (ROE) | 6.4225% | 3,945 |
| Retained earnings to average equity (ytd only) | 2.9874% | 4,112 |
| Net charge-offs to loans | 0.0088% | 4,736 |
| Credit loss provision to net charge-offs | 93.7343% | 2,560 |
| Earnings coverage of net charge-offs (x) | 386.3747% | 139 |
| Efficiency ratio | 63.9592% | 4,591 |
| Assets per employee ($millions) | 11.3799% | 170 |
| Cash dividends to net income (ytd only)* | 53.4854% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1349% | 6,431 |
| Loan loss allowance to noncurrent loans | 140.7757% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 5,850 |
| Noncurrent loans to loans | 0.0958% | 5,510 |
| Net loans and leases to total assets | 47.9948% | 5,157 |
| Net loans and leases to deposits | 66.0013% | 4,326 |
| Net loans and leases to core deposits | 104.7809% | 1,089 |
| Total domestic deposits to total assets | 72.7180% | 6,039 |
| Equity capital to assets | 14.1274% | 915 |
| Core capital (leverage) ratio | 8.0673% | 5,952 |
| Tier 1 risk-based capital ratio | 10.8007% | 5,991 |
| Total risk-based capital ratio | 11.0554% | 6,271 |
| Memoranda: | ||
| Average total assets | $17,678,004,600 | 77 |
| Average earning assets | $15,022,960,600 | 81 |
| Average equity | $2,911,118,600 | 55 |
| Average total loans | $9,083,450,000 | 92 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6146% | 6,526 |
| Cost of funding earning assets | 0.0914% | 6,439 |
| Net interest margin | 1.5231% | 6,513 |
| Noninterest income to average assets | 4.1633% | 140 |
| Noninterest expense to average assets | 3.6370% | 1,227 |
| Loan and lease loss provision to assets | -0.0032% | 6,066 |
| Net operating income to assets | 1.0735% | 2,142 |
| Return on assets (ROA) | 1.0905% | 2,139 |
| Pretax return on assets | 1.8406% | 815 |
| Return on Equity (ROE) | 6.3424% | 4,062 |
| Retained earnings to average equity (ytd only) | 3.1234% | 4,398 |
| Net charge-offs to loans | 0.0105% | 4,372 |
| Credit loss provision to net charge-offs | -58.4173% | 5,368 |
| Earnings coverage of net charge-offs (x) | 329.5279% | 217 |
| Efficiency ratio | 64.1303% | 4,517 |
| Assets per employee ($millions) | 9.1266% | 323 |
| Cash dividends to net income (ytd only)* | 50.7541% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1317% | 6,510 |
| Loan loss allowance to noncurrent loans | 76.2357% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 5,771 |
| Noncurrent loans to loans | 0.1728% | 5,391 |
| Net loans and leases to total assets | 56.4794% | 4,269 |
| Net loans and leases to deposits | 69.3715% | 3,985 |
| Net loans and leases to core deposits | 116.9928% | 465 |
| Total domestic deposits to total assets | 81.4158% | 4,691 |
| Equity capital to assets | 17.4919% | 373 |
| Core capital (leverage) ratio | 8.3885% | 5,770 |
| Tier 1 risk-based capital ratio | 11.3678% | 5,849 |
| Total risk-based capital ratio | 11.6841% | 6,180 |
| Memoranda: | ||
| Average total assets | $16,862,756,500 | 79 |
| Average earning assets | $14,221,271,250 | 85 |
| Average equity | $2,899,362,750 | 56 |
| Average total loans | $8,838,509,500 | 93 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5838% | 6,597 |
| Cost of funding earning assets | 0.0912% | 6,504 |
| Net interest margin | 1.4926% | 6,583 |
| Noninterest income to average assets | 4.1370% | 146 |
| Noninterest expense to average assets | 3.6156% | 1,268 |
| Loan and lease loss provision to assets | -0.0016% | 6,206 |
| Net operating income to assets | 1.0556% | 2,104 |
| Return on assets (ROA) | 1.0868% | 2,044 |
| Pretax return on assets | 1.8284% | 799 |
| Return on Equity (ROE) | 6.3573% | 3,962 |
| Retained earnings to average equity (ytd only) | 2.8918% | 4,361 |
| Net charge-offs to loans | 0.0159% | 3,910 |
| Credit loss provision to net charge-offs | -19.5335% | 5,101 |
| Earnings coverage of net charge-offs (x) | 218.7609% | 307 |
| Efficiency ratio | 64.3795% | 4,634 |
| Assets per employee ($millions) | 8.3837% | 425 |
| Cash dividends to net income (ytd only)* | 54.5120% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1420% | 6,580 |
| Loan loss allowance to noncurrent loans | 126.0831% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 5,978 |
| Noncurrent loans to loans | 0.1126% | 5,675 |
| Net loans and leases to total assets | 57.8218% | 4,013 |
| Net loans and leases to deposits | 71.9987% | 3,569 |
| Net loans and leases to core deposits | 113.7087% | 551 |
| Total domestic deposits to total assets | 80.3095% | 5,175 |
| Equity capital to assets | 18.7022% | 283 |
| Core capital (leverage) ratio | 8.3826% | 5,757 |
| Tier 1 risk-based capital ratio | 14.4232% | 3,979 |
| Total risk-based capital ratio | 14.8400% | 4,471 |
| Memoranda: | ||
| Average total assets | $16,879,916,330 | 78 |
| Average earning assets | $14,210,499,670 | 84 |
| Average equity | $2,885,610,670 | 56 |
| Average total loans | $8,615,533,670 | 94 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5103% | 6,676 |
| Cost of funding earning assets | 0.0881% | 6,593 |
| Net interest margin | 1.4221% | 6,664 |
| Noninterest income to average assets | 3.9418% | 146 |
| Noninterest expense to average assets | 3.5063% | 1,473 |
| Loan and lease loss provision to assets | -0.0164% | 6,415 |
| Net operating income to assets | 0.9897% | 2,247 |
| Return on assets (ROA) | 1.0562% | 2,053 |
| Pretax return on assets | 1.7561% | 868 |
| Return on Equity (ROE) | 6.4479% | 3,782 |
| Retained earnings to average equity (ytd only) | 2.9658% | 4,326 |
| Net charge-offs to loans | -0.0005% | 4,667 |
| Credit loss provision to net charge-offs | 6,536.3636% | 45 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5069% | 4,608 |
| Assets per employee ($millions) | 9.3803% | 298 |
| Cash dividends to net income (ytd only)* | 54.0038% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1517% | 6,648 |
| Loan loss allowance to noncurrent loans | 125.7741% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 6,098 |
| Noncurrent loans to loans | 0.1206% | 5,756 |
| Net loans and leases to total assets | 49.1636% | 4,987 |
| Net loans and leases to deposits | 59.7560% | 4,789 |
| Net loans and leases to core deposits | 96.5014% | 1,347 |
| Total domestic deposits to total assets | 82.2739% | 4,865 |
| Equity capital to assets | 16.7064% | 429 |
| Core capital (leverage) ratio | 7.5120% | 6,334 |
| Tier 1 risk-based capital ratio | 13.4274% | 4,747 |
| Total risk-based capital ratio | 13.8240% | 5,208 |
| Memoranda: | ||
| Average total assets | $17,531,401,000 | 76 |
| Average earning assets | $14,797,040,000 | 81 |
| Average equity | $2,871,797,500 | 56 |
| Average total loans | $8,413,463,000 | 94 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4690% | 6,749 |
| Cost of funding earning assets | 0.0963% | 6,684 |
| Net interest margin | 1.3727% | 6,734 |
| Noninterest income to average assets | 3.9550% | 168 |
| Noninterest expense to average assets | 3.6743% | 1,327 |
| Loan and lease loss provision to assets | -0.0225% | 6,304 |
| Net operating income to assets | 0.8566% | 2,992 |
| Return on assets (ROA) | 0.8472% | 3,129 |
| Pretax return on assets | 1.4340% | 1,672 |
| Return on Equity (ROE) | 4.9577% | 4,650 |
| Retained earnings to average equity (ytd only) | -0.6251% | 5,995 |
| Net charge-offs to loans | 0.0096% | 5,259 |
| Credit loss provision to net charge-offs | -522.2376% | 6,146 |
| Earnings coverage of net charge-offs (x) | 330.4075% | 131 |
| Efficiency ratio | 68.9639% | 4,026 |
| Assets per employee ($millions) | 9.7828% | 249 |
| Cash dividends to net income (ytd only)* | 112.6086% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1640% | 6,720 |
| Loan loss allowance to noncurrent loans | 124.1006% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 6,177 |
| Noncurrent loans to loans | 0.1321% | 5,810 |
| Net loans and leases to total assets | 46.6996% | 5,423 |
| Net loans and leases to deposits | 56.4901% | 5,255 |
| Net loans and leases to core deposits | 90.6009% | 1,952 |
| Total domestic deposits to total assets | 82.6686% | 4,654 |
| Equity capital to assets | 16.0640% | 518 |
| Core capital (leverage) ratio | 7.0735% | 6,510 |
| Tier 1 risk-based capital ratio | 12.7901% | 5,122 |
| Total risk-based capital ratio | 13.3621% | 5,488 |
| Memoranda: | ||
| Average total assets | $16,771,932,200 | 73 |
| Average earning assets | $13,996,864,800 | 78 |
| Average equity | $2,865,963,600 | 54 |
| Average total loans | $7,531,007,800 | 98 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4515% | 6,834 |
| Cost of funding earning assets | 0.0974% | 6,769 |
| Net interest margin | 1.3541% | 6,822 |
| Noninterest income to average assets | 3.9648% | 177 |
| Noninterest expense to average assets | 3.6349% | 1,338 |
| Loan and lease loss provision to assets | -0.0579% | 6,561 |
| Net operating income to assets | 0.9003% | 2,833 |
| Return on assets (ROA) | 0.8909% | 2,995 |
| Pretax return on assets | 1.4970% | 1,618 |
| Return on Equity (ROE) | 5.1311% | 4,658 |
| Retained earnings to average equity (ytd only) | -1.1427% | 6,156 |
| Net charge-offs to loans | 0.0120% | 4,902 |
| Credit loss provision to net charge-offs | -1,087.4242% | 6,199 |
| Earnings coverage of net charge-offs (x) | 272.9570% | 217 |
| Efficiency ratio | 68.2919% | 4,042 |
| Assets per employee ($millions) | 8.8948% | 321 |
| Cash dividends to net income (ytd only)* | 122.2693% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1324% | 6,812 |
| Loan loss allowance to noncurrent loans | 65.6986% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 6,143 |
| Noncurrent loans to loans | 0.2015% | 5,735 |
| Net loans and leases to total assets | 48.6933% | 5,278 |
| Net loans and leases to deposits | 60.3424% | 4,934 |
| Net loans and leases to core deposits | 103.7265% | 889 |
| Total domestic deposits to total assets | 80.6949% | 5,305 |
| Equity capital to assets | 17.8351% | 336 |
| Core capital (leverage) ratio | 7.1089% | 6,568 |
| Tier 1 risk-based capital ratio | 13.8594% | 4,527 |
| Total risk-based capital ratio | 14.4249% | 4,946 |
| Memoranda: | ||
| Average total assets | $16,523,533,750 | 74 |
| Average earning assets | $13,712,164,750 | 81 |
| Average equity | $2,868,992,750 | 54 |
| Average total loans | $7,336,248,250 | 100 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4220% | 6,885 |
| Cost of funding earning assets | 0.0977% | 6,824 |
| Net interest margin | 1.3243% | 6,873 |
| Noninterest income to average assets | 3.9003% | 188 |
| Noninterest expense to average assets | 3.5773% | 1,453 |
| Loan and lease loss provision to assets | -0.0909% | 6,700 |
| Net operating income to assets | 0.8996% | 2,800 |
| Return on assets (ROA) | 0.8954% | 2,966 |
| Pretax return on assets | 1.5016% | 1,614 |
| Return on Equity (ROE) | 5.2022% | 4,617 |
| Retained earnings to average equity (ytd only) | 1.7265% | 5,152 |
| Net charge-offs to loans | 0.0090% | 4,704 |
| Credit loss provision to net charge-offs | -2,351.0836% | 6,160 |
| Earnings coverage of net charge-offs (x) | 366.7121% | 138 |
| Efficiency ratio | 68.4331% | 4,106 |
| Assets per employee ($millions) | 9.6840% | 241 |
| Cash dividends to net income (ytd only)* | 66.8110% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1359% | 6,855 |
| Loan loss allowance to noncurrent loans | 100.8791% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 6,321 |
| Noncurrent loans to loans | 0.1348% | 5,989 |
| Net loans and leases to total assets | 43.6733% | 5,769 |
| Net loans and leases to deposits | 53.7149% | 5,543 |
| Net loans and leases to core deposits | 98.1793% | 1,197 |
| Total domestic deposits to total assets | 81.3058% | 5,261 |
| Equity capital to assets | 16.8104% | 434 |
| Core capital (leverage) ratio | 7.6764% | 6,380 |
| Tier 1 risk-based capital ratio | 14.0119% | 4,420 |
| Total risk-based capital ratio | 14.5645% | 4,849 |
| Memoranda: | ||
| Average total assets | $16,715,257,000 | 72 |
| Average earning assets | $13,811,564,330 | 79 |
| Average equity | $2,877,186,670 | 54 |
| Average total loans | $7,189,640,670 | 101 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4549% | 6,968 |
| Cost of funding earning assets | 0.1038% | 6,904 |
| Net interest margin | 1.3512% | 6,950 |
| Noninterest income to average assets | 3.9283% | 189 |
| Noninterest expense to average assets | 3.6137% | 1,397 |
| Loan and lease loss provision to assets | -0.0078% | 6,732 |
| Net operating income to assets | 0.8473% | 2,912 |
| Return on assets (ROA) | 0.8437% | 3,074 |
| Pretax return on assets | 1.4106% | 1,822 |
| Return on Equity (ROE) | 4.8425% | 4,668 |
| Retained earnings to average equity (ytd only) | 1.3604% | 5,302 |
| Net charge-offs to loans | 0.0047% | 4,072 |
| Credit loss provision to net charge-offs | -387.9518% | 5,413 |
| Earnings coverage of net charge-offs (x) | 699.2651% | 42 |
| Efficiency ratio | 68.7351% | 4,188 |
| Assets per employee ($millions) | 9.1579% | 300 |
| Cash dividends to net income (ytd only)* | 71.9073% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2485% | 6,902 |
| Loan loss allowance to noncurrent loans | 66.2245% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 6,074 |
| Noncurrent loans to loans | 0.3752% | 5,466 |
| Net loans and leases to total assets | 44.2686% | 5,627 |
| Net loans and leases to deposits | 54.5966% | 5,387 |
| Net loans and leases to core deposits | 87.8875% | 1,921 |
| Total domestic deposits to total assets | 81.0831% | 5,472 |
| Equity capital to assets | 17.9265% | 342 |
| Core capital (leverage) ratio | 7.3445% | 6,527 |
| Tier 1 risk-based capital ratio | 14.2504% | 4,325 |
| Total risk-based capital ratio | 14.9342% | 4,697 |
| Memoranda: | ||
| Average total assets | $16,483,202,000 | 72 |
| Average earning assets | $13,344,661,000 | 81 |
| Average equity | $2,871,823,000 | 54 |
| Average total loans | $7,027,956,500 | 104 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5483% | 7,022 |
| Cost of funding earning assets | 0.1243% | 6,968 |
| Net interest margin | 1.4240% | 7,001 |
| Noninterest income to average assets | 4.2309% | 173 |
| Noninterest expense to average assets | 3.8291% | 1,207 |
| Loan and lease loss provision to assets | 0.0218% | 5,627 |
| Net operating income to assets | 0.9201% | 2,712 |
| Return on assets (ROA) | 0.9155% | 2,982 |
| Pretax return on assets | 1.5315% | 1,589 |
| Return on Equity (ROE) | 4.8133% | 4,775 |
| Retained earnings to average equity (ytd only) | 3.2061% | 3,967 |
| Net charge-offs to loans | 0.0169% | 5,675 |
| Credit loss provision to net charge-offs | 314.6222% | 773 |
| Earnings coverage of net charge-offs (x) | 225.4298% | 188 |
| Efficiency ratio | 67.2552% | 4,281 |
| Assets per employee ($millions) | 9.5936% | 277 |
| Cash dividends to net income (ytd only)* | 33.3905% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2619% | 6,952 |
| Loan loss allowance to noncurrent loans | 66.2090% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 6,153 |
| Noncurrent loans to loans | 0.3955% | 5,506 |
| Net loans and leases to total assets | 40.8727% | 6,108 |
| Net loans and leases to deposits | 49.8985% | 5,964 |
| Net loans and leases to core deposits | 80.4559% | 2,946 |
| Total domestic deposits to total assets | 81.9117% | 5,132 |
| Equity capital to assets | 16.9434% | 423 |
| Core capital (leverage) ratio | 7.7419% | 6,379 |
| Tier 1 risk-based capital ratio | 13.7173% | 4,592 |
| Total risk-based capital ratio | 14.3932% | 4,951 |
| Memoranda: | ||
| Average total assets | $14,720,898,200 | 79 |
| Average earning assets | $11,977,687,400 | 87 |
| Average equity | $2,799,922,600 | 54 |
| Average total loans | $6,032,391,600 | 109 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5763% | 7,130 |
| Cost of funding earning assets | 0.1278% | 7,078 |
| Net interest margin | 1.4485% | 7,112 |
| Noninterest income to average assets | 4.3567% | 167 |
| Noninterest expense to average assets | 3.9027% | 1,057 |
| Loan and lease loss provision to assets | 0.0454% | 5,207 |
| Net operating income to assets | 0.9147% | 2,911 |
| Return on assets (ROA) | 0.9089% | 3,169 |
| Pretax return on assets | 1.5841% | 1,630 |
| Return on Equity (ROE) | 4.6282% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.1916% | 4,625 |
| Net charge-offs to loans | 0.0031% | 5,722 |
| Credit loss provision to net charge-offs | 3,524.0876% | 79 |
| Earnings coverage of net charge-offs (x) | 1,271.7956% | 28 |
| Efficiency ratio | 66.6006% | 4,332 |
| Assets per employee ($millions) | 7.9059% | 502 |
| Cash dividends to net income (ytd only)* | 31.0402% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3269% | 7,048 |
| Loan loss allowance to noncurrent loans | 65.7385% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 6,149 |
| Noncurrent loans to loans | 0.4972% | 5,450 |
| Net loans and leases to total assets | 44.6368% | 5,913 |
| Net loans and leases to deposits | 56.8713% | 5,549 |
| Net loans and leases to core deposits | 82.9705% | 2,828 |
| Total domestic deposits to total assets | 78.4873% | 5,971 |
| Equity capital to assets | 20.1195% | 235 |
| Core capital (leverage) ratio | 8.2837% | 6,043 |
| Tier 1 risk-based capital ratio | 15.2352% | 3,685 |
| Total risk-based capital ratio | 16.0500% | 3,936 |
| Memoranda: | ||
| Average total assets | $14,177,555,250 | 83 |
| Average earning assets | $11,593,665,250 | 91 |
| Average equity | $2,784,286,500 | 55 |
| Average total loans | $5,809,669,750 | 111 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5641% | 7,199 |
| Cost of funding earning assets | 0.1289% | 7,151 |
| Net interest margin | 1.4353% | 7,182 |
| Noninterest income to average assets | 4.3201% | 162 |
| Noninterest expense to average assets | 3.9014% | 1,076 |
| Loan and lease loss provision to assets | -0.0042% | 7,020 |
| Net operating income to assets | 0.9159% | 2,832 |
| Return on assets (ROA) | 0.9097% | 3,130 |
| Pretax return on assets | 1.5862% | 1,584 |
| Return on Equity (ROE) | 4.6700% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.2244% | 4,464 |
| Net charge-offs to loans | 0.0010% | 5,504 |
| Credit loss provision to net charge-offs | -1,017.2414% | 6,409 |
| Earnings coverage of net charge-offs (x) | 3,898.2414% | 3 |
| Efficiency ratio | 67.1682% | 4,296 |
| Assets per employee ($millions) | 7.8710% | 497 |
| Cash dividends to net income (ytd only)* | 30.9550% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2616% | 7,133 |
| Loan loss allowance to noncurrent loans | 57.4059% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 6,298 |
| Noncurrent loans to loans | 0.4557% | 5,621 |
| Net loans and leases to total assets | 42.4991% | 6,153 |
| Net loans and leases to deposits | 53.9908% | 5,863 |
| Net loans and leases to core deposits | 77.5305% | 3,586 |
| Total domestic deposits to total assets | 78.7155% | 6,016 |
| Equity capital to assets | 19.9762% | 240 |
| Core capital (leverage) ratio | 8.1733% | 6,077 |
| Tier 1 risk-based capital ratio | 15.3168% | 3,564 |
| Total risk-based capital ratio | 16.0850% | 3,828 |
| Memoranda: | ||
| Average total assets | $14,204,649,000 | 80 |
| Average earning assets | $11,609,692,330 | 90 |
| Average equity | $2,767,015,670 | 55 |
| Average total loans | $5,641,975,330 | 113 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5202% | 7,264 |
| Cost of funding earning assets | 0.1275% | 7,218 |
| Net interest margin | 1.3927% | 7,248 |
| Noninterest income to average assets | 4.2739% | 155 |
| Noninterest expense to average assets | 3.8243% | 1,176 |
| Loan and lease loss provision to assets | 0.0948% | 4,164 |
| Net operating income to assets | 0.8596% | 3,109 |
| Return on assets (ROA) | 0.8513% | 3,391 |
| Pretax return on assets | 1.4800% | 1,927 |
| Return on Equity (ROE) | 4.4252% | 5,082 |
| Retained earnings to average equity (ytd only) | 2.9713% | 4,770 |
| Net charge-offs to loans | 0.0017% | 4,724 |
| Credit loss provision to net charge-offs | 14,739.1304% | 10 |
| Earnings coverage of net charge-offs (x) | 2,468.3043% | 4 |
| Efficiency ratio | 66.7750% | 4,407 |
| Assets per employee ($millions) | 7.8228% | 523 |
| Cash dividends to net income (ytd only)* | 32.8558% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3508% | 7,154 |
| Loan loss allowance to noncurrent loans | 70.4590% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 6,391 |
| Noncurrent loans to loans | 0.4979% | 5,678 |
| Net loans and leases to total assets | 39.5890% | 6,378 |
| Net loans and leases to deposits | 50.2038% | 6,124 |
| Net loans and leases to core deposits | 73.1112% | 4,003 |
| Total domestic deposits to total assets | 78.8566% | 6,107 |
| Equity capital to assets | 19.9661% | 229 |
| Core capital (leverage) ratio | 7.6425% | 6,537 |
| Tier 1 risk-based capital ratio | 15.5064% | 3,446 |
| Total risk-based capital ratio | 16.3834% | 3,631 |
| Memoranda: | ||
| Average total assets | $14,301,746,000 | 80 |
| Average earning assets | $11,688,055,000 | 87 |
| Average equity | $2,751,144,000 | 54 |
| Average total loans | $5,477,991,500 | 118 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6698% | 7,306 |
| Cost of funding earning assets | 0.1930% | 7,245 |
| Net interest margin | 1.4769% | 7,288 |
| Noninterest income to average assets | 4.7774% | 131 |
| Noninterest expense to average assets | 4.2725% | 741 |
| Loan and lease loss provision to assets | 0.0158% | 6,358 |
| Net operating income to assets | 0.9536% | 2,395 |
| Return on assets (ROA) | 0.9098% | 2,679 |
| Pretax return on assets | 1.5997% | 1,197 |
| Return on Equity (ROE) | 4.3750% | 4,690 |
| Retained earnings to average equity (ytd only) | 3.6306% | 3,626 |
| Net charge-offs to loans | 0.0074% | 6,324 |
| Credit loss provision to net charge-offs | 561.4325% | 408 |
| Earnings coverage of net charge-offs (x) | 599.3857% | 48 |
| Efficiency ratio | 67.7971% | 4,400 |
| Assets per employee ($millions) | 8.2815% | 424 |
| Cash dividends to net income (ytd only)* | 17.0148% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2924% | 7,225 |
| Loan loss allowance to noncurrent loans | 57.3551% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 6,479 |
| Noncurrent loans to loans | 0.5099% | 5,690 |
| Net loans and leases to total assets | 36.8560% | 6,711 |
| Net loans and leases to deposits | 46.0776% | 6,624 |
| Net loans and leases to core deposits | 64.3872% | 5,429 |
| Total domestic deposits to total assets | 79.9867% | 5,748 |
| Equity capital to assets | 18.5510% | 308 |
| Core capital (leverage) ratio | 7.2664% | 6,760 |
| Tier 1 risk-based capital ratio | 14.4852% | 3,986 |
| Total risk-based capital ratio | 15.2885% | 4,252 |
| Memoranda: | ||
| Average total assets | $12,919,994,800 | 87 |
| Average earning assets | $10,315,757,600 | 93 |
| Average equity | $2,686,772,000 | 55 |
| Average total loans | $4,914,827,000 | 124 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7191% | 7,383 |
| Cost of funding earning assets | 0.2129% | 7,317 |
| Net interest margin | 1.5061% | 7,363 |
| Noninterest income to average assets | 4.9723% | 126 |
| Noninterest expense to average assets | 4.4172% | 623 |
| Loan and lease loss provision to assets | 0.0250% | 6,141 |
| Net operating income to assets | 1.0036% | 2,303 |
| Return on assets (ROA) | 0.9985% | 2,480 |
| Pretax return on assets | 1.7153% | 1,109 |
| Return on Equity (ROE) | 4.6527% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.1542% | 3,772 |
| Net charge-offs to loans | 0.0081% | 6,050 |
| Credit loss provision to net charge-offs | 810.0346% | 329 |
| Earnings coverage of net charge-offs (x) | 565.4587% | 63 |
| Efficiency ratio | 67.7139% | 4,373 |
| Assets per employee ($millions) | 8.0627% | 458 |
| Cash dividends to net income (ytd only)* | 10.7149% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3236% | 7,278 |
| Loan loss allowance to noncurrent loans | 43.0891% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 6,396 |
| Noncurrent loans to loans | 0.7511% | 5,375 |
| Net loans and leases to total assets | 35.1213% | 6,909 |
| Net loans and leases to deposits | 44.0855% | 6,827 |
| Net loans and leases to core deposits | 59.9544% | 5,998 |
| Total domestic deposits to total assets | 79.6664% | 5,829 |
| Equity capital to assets | 19.0368% | 315 |
| Core capital (leverage) ratio | 7.9496% | 6,442 |
| Tier 1 risk-based capital ratio | 14.9804% | 3,671 |
| Total risk-based capital ratio | 15.8332% | 3,890 |
| Memoranda: | ||
| Average total assets | $12,462,667,250 | 89 |
| Average earning assets | $9,872,964,500 | 95 |
| Average equity | $2,674,428,250 | 55 |
| Average total loans | $4,780,548,750 | 126 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8233% | 7,458 |
| Cost of funding earning assets | 0.2335% | 7,378 |
| Net interest margin | 1.5898% | 7,438 |
| Noninterest income to average assets | 5.3065% | 127 |
| Noninterest expense to average assets | 4.6755% | 500 |
| Loan and lease loss provision to assets | 0.0586% | 5,580 |
| Net operating income to assets | 1.0725% | 1,965 |
| Return on assets (ROA) | 1.0725% | 2,053 |
| Pretax return on assets | 1.8103% | 863 |
| Return on Equity (ROE) | 4.7806% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.7806% | 3,139 |
| Net charge-offs to loans | 0.0092% | 5,723 |
| Credit loss provision to net charge-offs | 1,614.8837% | 215 |
| Earnings coverage of net charge-offs (x) | 514.8744% | 63 |
| Efficiency ratio | 67.5612% | 4,596 |
| Assets per employee ($millions) | 6.4599% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3621% | 7,317 |
| Loan loss allowance to noncurrent loans | 44.5985% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 6,270 |
| Noncurrent loans to loans | 0.8118% | 5,300 |
| Net loans and leases to total assets | 42.0831% | 6,587 |
| Net loans and leases to deposits | 56.1228% | 6,124 |
| Net loans and leases to core deposits | 76.2287% | 4,288 |
| Total domestic deposits to total assets | 74.9839% | 6,728 |
| Equity capital to assets | 23.5708% | 143 |
| Core capital (leverage) ratio | 8.9476% | 4,809 |
| Tier 1 risk-based capital ratio | 14.8634% | 3,575 |
| Total risk-based capital ratio | 15.7371% | 3,768 |
| Memoranda: | ||
| Average total assets | $11,846,474,000 | 93 |
| Average earning assets | $9,224,281,670 | 105 |
| Average equity | $2,657,768,670 | 57 |
| Average total loans | $4,693,192,000 | 129 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7861% | 7,517 |
| Cost of funding earning assets | 0.2459% | 7,443 |
| Net interest margin | 1.5402% | 7,500 |
| Noninterest income to average assets | 5.2101% | 132 |
| Noninterest expense to average assets | 4.7065% | 477 |
| Loan and lease loss provision to assets | 0.0349% | 5,542 |
| Net operating income to assets | 1.0320% | 2,064 |
| Return on assets (ROA) | 1.0320% | 2,111 |
| Pretax return on assets | 1.6698% | 1,035 |
| Return on Equity (ROE) | 4.7136% | 4,550 |
| Retained earnings to average equity (ytd only) | 4.7136% | 3,371 |
| Net charge-offs to loans | 0.0066% | 5,030 |
| Credit loss provision to net charge-offs | 1,382.8947% | 291 |
| Earnings coverage of net charge-offs (x) | 675.1579% | 29 |
| Efficiency ratio | 69.5112% | 4,373 |
| Assets per employee ($millions) | 6.6530% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3302% | 7,388 |
| Loan loss allowance to noncurrent loans | 24.3502% | 6,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 5,930 |
| Noncurrent loans to loans | 1.3561% | 4,449 |
| Net loans and leases to total assets | 38.3777% | 6,881 |
| Net loans and leases to deposits | 50.1697% | 6,614 |
| Net loans and leases to core deposits | 69.1787% | 5,146 |
| Total domestic deposits to total assets | 76.4958% | 6,605 |
| Equity capital to assets | 22.1923% | 166 |
| Core capital (leverage) ratio | 8.3277% | 5,756 |
| Tier 1 risk-based capital ratio | 14.7747% | 3,559 |
| Total risk-based capital ratio | 15.6473% | 3,769 |
| Memoranda: | ||
| Average total assets | $12,039,761,000 | 91 |
| Average earning assets | $9,389,256,000 | 103 |
| Average equity | $2,636,058,500 | 56 |
| Average total loans | $4,619,685,500 | 132 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8475% | 7,567 |
| Cost of funding earning assets | 0.2917% | 7,513 |
| Net interest margin | 1.5557% | 7,542 |
| Noninterest income to average assets | 5.5763% | 123 |
| Noninterest expense to average assets | 5.2846% | 342 |
| Loan and lease loss provision to assets | -0.0849% | 7,602 |
| Net operating income to assets | 0.8434% | 2,619 |
| Return on assets (ROA) | 0.8107% | 2,884 |
| Pretax return on assets | 1.5222% | 1,320 |
| Return on Equity (ROE) | 3.4617% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.4617% | 3,444 |
| Net charge-offs to loans | 0.0277% | 6,527 |
| Credit loss provision to net charge-offs | -789.3130% | 7,139 |
| Earnings coverage of net charge-offs (x) | 138.3834% | 181 |
| Efficiency ratio | 73.2511% | 3,544 |
| Assets per employee ($millions) | 6.6689% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3086% | 7,480 |
| Loan loss allowance to noncurrent loans | 20.1440% | 6,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 5,848 |
| Noncurrent loans to loans | 1.5321% | 4,196 |
| Net loans and leases to total assets | 38.1188% | 7,067 |
| Net loans and leases to deposits | 49.5117% | 6,879 |
| Net loans and leases to core deposits | 66.1344% | 5,861 |
| Total domestic deposits to total assets | 76.9894% | 6,480 |
| Equity capital to assets | 21.5995% | 190 |
| Core capital (leverage) ratio | 8.0409% | 6,133 |
| Tier 1 risk-based capital ratio | 13.6839% | 4,074 |
| Total risk-based capital ratio | 14.4655% | 4,393 |
| Memoranda: | ||
| Average total assets | $10,961,331,400 | 99 |
| Average earning assets | $8,431,773,400 | 112 |
| Average equity | $2,566,982,000 | 57 |
| Average total loans | $4,261,906,200 | 138 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8736% | 7,695 |
| Cost of funding earning assets | 0.2835% | 7,642 |
| Net interest margin | 1.5900% | 7,660 |
| Noninterest income to average assets | 5.6913% | 120 |
| Noninterest expense to average assets | 5.3406% | 298 |
| Loan and lease loss provision to assets | -0.1305% | 7,701 |
| Net operating income to assets | 0.8822% | 2,687 |
| Return on assets (ROA) | 0.8374% | 2,983 |
| Pretax return on assets | 1.6225% | 1,287 |
| Return on Equity (ROE) | 3.4990% | 5,010 |
| Retained earnings to average equity (ytd only) | 3.4990% | 3,996 |
| Net charge-offs to loans | 0.0084% | 6,545 |
| Credit loss provision to net charge-offs | -3,959.8485% | 7,171 |
| Earnings coverage of net charge-offs (x) | 473.8880% | 70 |
| Efficiency ratio | 72.5644% | 3,597 |
| Assets per employee ($millions) | 6.2721% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3296% | 7,578 |
| Loan loss allowance to noncurrent loans | 24.7981% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5030% | 6,174 |
| Noncurrent loans to loans | 1.3293% | 4,644 |
| Net loans and leases to total assets | 37.5672% | 7,202 |
| Net loans and leases to deposits | 50.1896% | 7,001 |
| Net loans and leases to core deposits | 70.4770% | 5,701 |
| Total domestic deposits to total assets | 74.8507% | 6,815 |
| Equity capital to assets | 22.9972% | 165 |
| Core capital (leverage) ratio | 8.3429% | 5,803 |
| Tier 1 risk-based capital ratio | 14.0128% | 3,823 |
| Total risk-based capital ratio | 14.8350% | 4,077 |
| Memoranda: | ||
| Average total assets | $10,678,977,500 | 101 |
| Average earning assets | $8,134,969,500 | 116 |
| Average equity | $2,555,843,250 | 57 |
| Average total loans | $4,171,605,250 | 139 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9209% | 7,773 |
| Cost of funding earning assets | 0.2758% | 7,724 |
| Net interest margin | 1.6450% | 7,722 |
| Noninterest income to average assets | 6.4029% | 110 |
| Noninterest expense to average assets | 6.0471% | 221 |
| Loan and lease loss provision to assets | -0.1780% | 7,777 |
| Net operating income to assets | 0.8895% | 2,586 |
| Return on assets (ROA) | 0.8210% | 3,022 |
| Pretax return on assets | 1.6657% | 1,126 |
| Return on Equity (ROE) | 3.3829% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.3829% | 3,957 |
| Net charge-offs to loans | 0.0079% | 6,249 |
| Credit loss provision to net charge-offs | -5,682.9268% | 7,038 |
| Earnings coverage of net charge-offs (x) | 509.2439% | 64 |
| Efficiency ratio | 74.7036% | 3,330 |
| Assets per employee ($millions) | 6.1444% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3654% | 7,621 |
| Loan loss allowance to noncurrent loans | 27.4356% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 6,215 |
| Noncurrent loans to loans | 1.3319% | 4,725 |
| Net loans and leases to total assets | 37.0674% | 7,316 |
| Net loans and leases to deposits | 48.8720% | 7,115 |
| Net loans and leases to core deposits | 67.1593% | 6,132 |
| Total domestic deposits to total assets | 75.8459% | 6,721 |
| Equity capital to assets | 22.8332% | 173 |
| Core capital (leverage) ratio | 8.4314% | 5,528 |
| Tier 1 risk-based capital ratio | 13.1129% | 4,353 |
| Total risk-based capital ratio | 13.9390% | 4,673 |
| Memoranda: | ||
| Average total assets | $10,473,272,670 | 101 |
| Average earning assets | $7,888,468,000 | 119 |
| Average equity | $2,541,862,000 | 57 |
| Average total loans | $4,142,918,330 | 139 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0077% | 7,874 |
| Cost of funding earning assets | 0.2624% | 7,834 |
| Net interest margin | 1.7452% | 7,788 |
| Noninterest income to average assets | 6.7300% | 102 |
| Noninterest expense to average assets | 6.2641% | 190 |
| Loan and lease loss provision to assets | -0.5538% | 7,903 |
| Net operating income to assets | 1.6144% | 728 |
| Return on assets (ROA) | 1.4611% | 1,034 |
| Pretax return on assets | 2.1043% | 504 |
| Return on Equity (ROE) | 5.8283% | 3,952 |
| Retained earnings to average equity (ytd only) | 5.8283% | 2,700 |
| Net charge-offs to loans | 0.0132% | 5,398 |
| Credit loss provision to net charge-offs | -10,275.7353% | 6,694 |
| Earnings coverage of net charge-offs (x) | 328.9191% | 92 |
| Efficiency ratio | 73.5746% | 3,644 |
| Assets per employee ($millions) | 5.6707% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2608% | 7,782 |
| Loan loss allowance to noncurrent loans | 18.5514% | 7,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 6,116 |
| Noncurrent loans to loans | 1.4061% | 4,627 |
| Net loans and leases to total assets | 39.2768% | 7,290 |
| Net loans and leases to deposits | 53.0755% | 6,976 |
| Net loans and leases to core deposits | 79.5522% | 4,820 |
| Total domestic deposits to total assets | 74.0017% | 7,049 |
| Equity capital to assets | 24.6665% | 150 |
| Core capital (leverage) ratio | 8.8743% | 4,764 |
| Tier 1 risk-based capital ratio | 13.3624% | 4,079 |
| Total risk-based capital ratio | 14.1560% | 4,380 |
| Memoranda: | ||
| Average total assets | $10,093,896,000 | 106 |
| Average earning assets | $7,557,680,000 | 123 |
| Average equity | $2,530,480,000 | 55 |
| Average total loans | $4,125,030,500 | 140 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1548% | 7,922 |
| Cost of funding earning assets | 0.3210% | 7,895 |
| Net interest margin | 1.8338% | 7,797 |
| Noninterest income to average assets | 7.3994% | 96 |
| Noninterest expense to average assets | 7.1280% | 198 |
| Loan and lease loss provision to assets | 0.1563% | 6,107 |
| Net operating income to assets | 1.1078% | 1,490 |
| Return on assets (ROA) | -1.6251% | 6,925 |
| Pretax return on assets | -2.0437% | 6,958 |
| Return on Equity (ROE) | -5.8147% | 6,286 |
| Retained earnings to average equity (ytd only) | -5.8147% | 6,124 |
| Net charge-offs to loans | 0.0256% | 6,888 |
| Credit loss provision to net charge-offs | 1,462.4581% | 211 |
| Earnings coverage of net charge-offs (x) | 143.0827% | 205 |
| Efficiency ratio | 76.2049% | 3,491 |
| Assets per employee ($millions) | 5.3294% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5936% | 7,562 |
| Loan loss allowance to noncurrent loans | 45.1978% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5605% | 6,053 |
| Noncurrent loans to loans | 1.3133% | 4,730 |
| Net loans and leases to total assets | 42.1824% | 7,241 |
| Net loans and leases to deposits | 58.0730% | 6,780 |
| Net loans and leases to core deposits | 104.3093% | 3,535 |
| Total domestic deposits to total assets | 72.6369% | 7,189 |
| Equity capital to assets | 25.4941% | 149 |
| Core capital (leverage) ratio | 8.8802% | 4,623 |
| Tier 1 risk-based capital ratio | 12.6048% | 4,437 |
| Total risk-based capital ratio | 13.6708% | 4,538 |
| Memoranda: | ||
| Average total assets | $8,376,929,600 | 121 |
| Average earning assets | $5,743,057,000 | 146 |
| Average equity | $2,341,254,400 | 55 |
| Average total loans | $3,500,112,600 | 165 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2435% | 8,021 |
| Cost of funding earning assets | 0.3448% | 7,984 |
| Net interest margin | 1.8987% | 7,852 |
| Noninterest income to average assets | 7.4506% | 99 |
| Noninterest expense to average assets | 7.2302% | 193 |
| Loan and lease loss provision to assets | 0.1142% | 6,225 |
| Net operating income to assets | 0.8861% | 2,466 |
| Return on assets (ROA) | -1.9350% | 7,291 |
| Pretax return on assets | -2.9626% | 7,489 |
| Return on Equity (ROE) | -6.7418% | 6,636 |
| Retained earnings to average equity (ytd only) | -6.7418% | 6,478 |
| Net charge-offs to loans | 0.0094% | 6,814 |
| Credit loss provision to net charge-offs | 2,920.4255% | 138 |
| Earnings coverage of net charge-offs (x) | 381.5435% | 96 |
| Efficiency ratio | 76.5322% | 3,416 |
| Assets per employee ($millions) | 4.9794% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4935% | 7,719 |
| Loan loss allowance to noncurrent loans | 32.4214% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 5,848 |
| Noncurrent loans to loans | 1.5221% | 4,372 |
| Net loans and leases to total assets | 41.5463% | 7,390 |
| Net loans and leases to deposits | 58.0749% | 6,958 |
| Net loans and leases to core deposits | 109.2636% | 3,315 |
| Total domestic deposits to total assets | 71.5393% | 7,274 |
| Equity capital to assets | 27.0681% | 150 |
| Core capital (leverage) ratio | 9.3916% | 4,062 |
| Tier 1 risk-based capital ratio | 13.4525% | 3,892 |
| Total risk-based capital ratio | 14.4533% | 3,992 |
| Memoranda: | ||
| Average total assets | $8,014,289,000 | 131 |
| Average earning assets | $5,366,328,250 | 162 |
| Average equity | $2,300,209,500 | 57 |
| Average total loans | $3,332,584,000 | 183 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4210% | 8,105 |
| Cost of funding earning assets | 0.3935% | 8,074 |
| Net interest margin | 2.0275% | 7,847 |
| Noninterest income to average assets | 7.5570% | 94 |
| Noninterest expense to average assets | 7.7279% | 176 |
| Loan and lease loss provision to assets | 0.0944% | 6,222 |
| Net operating income to assets | 0.6524% | 3,455 |
| Return on assets (ROA) | 0.2776% | 5,092 |
| Pretax return on assets | 0.4552% | 4,768 |
| Return on Equity (ROE) | 0.9453% | 5,648 |
| Retained earnings to average equity (ytd only) | 0.9453% | 4,804 |
| Net charge-offs to loans | 0.0151% | 6,324 |
| Credit loss provision to net charge-offs | 1,510.5485% | 330 |
| Earnings coverage of net charge-offs (x) | 181.5907% | 226 |
| Efficiency ratio | 80.5713% | 2,954 |
| Assets per employee ($millions) | 3.9899% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4866% | 7,806 |
| Loan loss allowance to noncurrent loans | 24.8166% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 0.8528% | 5,280 |
| Noncurrent loans to loans | 1.9606% | 3,576 |
| Net loans and leases to total assets | 43.2872% | 7,374 |
| Net loans and leases to deposits | 66.8348% | 6,315 |
| Net loans and leases to core deposits | 107.2645% | 3,697 |
| Total domestic deposits to total assets | 64.7675% | 7,799 |
| Equity capital to assets | 30.3186% | 132 |
| Core capital (leverage) ratio | 11.1405% | 2,301 |
| Tier 1 risk-based capital ratio | 13.1400% | 4,043 |
| Total risk-based capital ratio | 14.1783% | 4,111 |
| Memoranda: | ||
| Average total assets | $7,581,919,000 | 139 |
| Average earning assets | $4,884,323,000 | 174 |
| Average equity | $2,226,806,330 | 62 |
| Average total loans | $3,147,535,000 | 201 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7112% | 8,158 |
| Cost of funding earning assets | 0.4421% | 8,118 |
| Net interest margin | 2.2691% | 7,744 |
| Noninterest income to average assets | 7.8848% | 83 |
| Noninterest expense to average assets | 7.4261% | 182 |
| Loan and lease loss provision to assets | -0.0560% | 8,193 |
| Net operating income to assets | 1.2297% | 1,568 |
| Return on assets (ROA) | 0.8022% | 3,279 |
| Pretax return on assets | 1.2823% | 2,339 |
| Return on Equity (ROE) | 2.7755% | 5,462 |
| Retained earnings to average equity (ytd only) | 2.7755% | 4,334 |
| Net charge-offs to loans | 0.0132% | 5,421 |
| Credit loss provision to net charge-offs | -1,046.0784% | 6,536 |
| Earnings coverage of net charge-offs (x) | 353.6176% | 102 |
| Efficiency ratio | 73.4110% | 3,931 |
| Assets per employee ($millions) | 4.0355% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3424% | 8,003 |
| Loan loss allowance to noncurrent loans | 183.3682% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 7,350 |
| Noncurrent loans to loans | 0.1867% | 6,997 |
| Net loans and leases to total assets | 43.1898% | 7,397 |
| Net loans and leases to deposits | 67.0481% | 6,268 |
| Net loans and leases to core deposits | 120.9265% | 2,341 |
| Total domestic deposits to total assets | 64.4160% | 7,826 |
| Equity capital to assets | 28.9752% | 156 |
| Core capital (leverage) ratio | 10.5840% | 2,834 |
| Tier 1 risk-based capital ratio | 12.2171% | 4,776 |
| Total risk-based capital ratio | 13.1920% | 4,918 |
| Memoranda: | ||
| Average total assets | $7,616,371,000 | 140 |
| Average earning assets | $4,818,423,000 | 174 |
| Average equity | $2,201,289,000 | 60 |
| Average total loans | $3,087,265,000 | 202 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9047% | 8,263 |
| Cost of funding earning assets | 0.3313% | 8,218 |
| Net interest margin | 0.5734% | 8,257 |
| Noninterest income to average assets | 1.7250% | 458 |
| Noninterest expense to average assets | 1.7134% | 7,853 |
| Loan and lease loss provision to assets | -0.0169% | 8,208 |
| Net operating income to assets | 0.3560% | 5,326 |
| Return on assets (ROA) | -0.0158% | 6,253 |
| Pretax return on assets | -0.0198% | 6,175 |
| Return on Equity (ROE) | -0.1117% | 6,248 |
| Retained earnings to average equity (ytd only) | -0.1117% | 5,304 |
| Net charge-offs to loans | -0.0065% | 7,808 |
| Credit loss provision to net charge-offs | 1,521.1082% | 287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6828% | 3,812 |
| Assets per employee ($millions) | 5.1691% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4409% | 7,933 |
| Loan loss allowance to noncurrent loans | 713.5227% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 7,504 |
| Noncurrent loans to loans | 0.0618% | 7,259 |
| Net loans and leases to total assets | 37.5210% | 7,771 |
| Net loans and leases to deposits | 55.3804% | 7,361 |
| Net loans and leases to core deposits | 107.0926% | 4,068 |
| Total domestic deposits to total assets | 67.7514% | 7,495 |
| Equity capital to assets | 28.8278% | 187 |
| Core capital (leverage) ratio | 8.4747% | 5,617 |
| Tier 1 risk-based capital ratio | 12.1610% | 4,704 |
| Total risk-based capital ratio | 13.3818% | 4,604 |
| Memoranda: | ||
| Average total assets | $34,070,758,400 | 48 |
| Average earning assets | $24,747,470,400 | 56 |
| Average equity | $4,832,179,200 | 35 |
| Average total loans | $5,862,877,400 | 124 |