Home > Charles Schwab Bank, SSB > Performance and Condition Ratios
Charles Schwab Bank, SSB, 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 | 2.4215% | 4,566 |
| Cost of funding earning assets | 1.5992% | 1,698 |
| Net interest margin | 0.8223% | 4,550 |
| Noninterest income to average assets | 0.0100% | 4,513 |
| Noninterest expense to average assets | 0.4315% | 4,538 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.2895% | 4,046 |
| Return on assets (ROA) | 0.2776% | 4,061 |
| Pretax return on assets | 0.3686% | 4,007 |
| Return on Equity (ROE) | 7.4600% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.4579% | 1,730 |
| Net charge-offs to loans | -0.0025% | 3,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 53.6585% | 3,702 |
| Assets per employee ($millions) | 304.2448% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0947% | 4,455 |
| Loan loss allowance to noncurrent loans | 237.5000% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 3,770 |
| Noncurrent loans to loans | 0.0399% | 3,436 |
| Net loans and leases to total assets | 13.1600% | 4,436 |
| Net loans and leases to deposits | 15.5572% | 4,438 |
| Net loans and leases to core deposits | 19.6952% | 4,455 |
| Total domestic deposits to total assets | 84.5800% | 2,442 |
| Equity capital to assets | 5.2796% | 4,370 |
| Core capital (leverage) ratio | 10.0608% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9625% | 166 |
| Memoranda: | ||
| Average total assets | $326,328,800,000 | 12 |
| Average earning assets | $316,793,200,000 | 11 |
| Average equity | $12,148,200,000 | 24 |
| Average total loans | $40,181,600,000 | 38 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4303% | 4,583 |
| Cost of funding earning assets | 1.5298% | 1,532 |
| Net interest margin | 0.9005% | 4,563 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 0.4027% | 4,565 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.3710% | 4,006 |
| Return on assets (ROA) | 0.3593% | 4,036 |
| Pretax return on assets | 0.4690% | 3,955 |
| Return on Equity (ROE) | 10.6800% | 2,457 |
| Retained earnings to average equity (ytd only) | 10.6755% | 1,224 |
| Net charge-offs to loans | -0.0033% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 45.8371% | 4,147 |
| Assets per employee ($millions) | 275.1395% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1348% | 4,472 |
| Loan loss allowance to noncurrent loans | 385.7143% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,824 |
| Noncurrent loans to loans | 0.0349% | 3,515 |
| Net loans and leases to total assets | 13.2600% | 4,467 |
| Net loans and leases to deposits | 15.7874% | 4,469 |
| Net loans and leases to core deposits | 19.7879% | 4,445 |
| Total domestic deposits to total assets | 83.9800% | 2,784 |
| Equity capital to assets | 4.5287% | 4,330 |
| Core capital (leverage) ratio | 9.5993% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.7832% | 197 |
| Memoranda: | ||
| Average total assets | $331,773,750,000 | 12 |
| Average earning assets | $322,035,500,000 | 11 |
| Average equity | $11,165,500,000 | 30 |
| Average total loans | $40,199,500,000 | 39 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3937% | 4,617 |
| Cost of funding earning assets | 1.4055% | 1,436 |
| Net interest margin | 0.9882% | 4,599 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 0.4325% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4078% | 3,994 |
| Return on assets (ROA) | 0.4009% | 4,011 |
| Pretax return on assets | 0.5244% | 3,923 |
| Return on Equity (ROE) | 13.2600% | 1,847 |
| Retained earnings to average equity (ytd only) | 13.2611% | 768 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 44.7337% | 4,225 |
| Assets per employee ($millions) | 304.1099% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1879% | 4,503 |
| Loan loss allowance to noncurrent loans | 468.7500% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,827 |
| Noncurrent loans to loans | 0.0401% | 3,443 |
| Net loans and leases to total assets | 12.1000% | 4,498 |
| Net loans and leases to deposits | 14.6579% | 4,500 |
| Net loans and leases to core deposits | 17.7568% | 4,479 |
| Total domestic deposits to total assets | 82.5200% | 3,137 |
| Equity capital to assets | 4.1148% | 4,495 |
| Core capital (leverage) ratio | 8.8539% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5518% | 198 |
| Memoranda: | ||
| Average total assets | $341,755,666,667 | 11 |
| Average earning assets | $332,124,666,667 | 11 |
| Average equity | $10,331,000,000 | 30 |
| Average total loans | $40,241,666,667 | 39 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3030% | 4,648 |
| Cost of funding earning assets | 1.0647% | 1,850 |
| Net interest margin | 1.2384% | 4,650 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 0.6035% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4621% | 3,981 |
| Return on assets (ROA) | 0.4575% | 3,937 |
| Pretax return on assets | 0.6012% | 3,835 |
| Return on Equity (ROE) | 18.2600% | 995 |
| Retained earnings to average equity (ytd only) | 18.2558% | 493 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.8102% | 3,956 |
| Assets per employee ($millions) | 327.2243% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1854% | 4,564 |
| Loan loss allowance to noncurrent loans | 411.1111% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 3,843 |
| Noncurrent loans to loans | 0.0451% | 3,415 |
| Net loans and leases to total assets | 11.4700% | 4,567 |
| Net loans and leases to deposits | 13.6479% | 4,569 |
| Net loans and leases to core deposits | 15.6517% | 4,553 |
| Total domestic deposits to total assets | 84.0700% | 3,080 |
| Equity capital to assets | 2.8161% | 4,606 |
| Core capital (leverage) ratio | 7.6589% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8075% | 278 |
| Memoranda: | ||
| Average total assets | $347,958,000,000 | 11 |
| Average earning assets | $338,511,000,000 | 11 |
| Average equity | $8,720,500,000 | 35 |
| Average total loans | $40,407,000,000 | 42 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7184% | 4,637 |
| Cost of funding earning assets | 0.1982% | 3,775 |
| Net interest margin | 1.5202% | 4,632 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 0.4494% | 4,690 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7978% | 3,336 |
| Return on assets (ROA) | 0.7972% | 3,264 |
| Pretax return on assets | 1.0306% | 2,975 |
| Return on Equity (ROE) | 18.8000% | 597 |
| Retained earnings to average equity (ytd only) | -15.8084% | 4,680 |
| Net charge-offs to loans | 0.0075% | 2,122 |
| Credit loss provision to net charge-offs | 1,933.3333% | 271 |
| Earnings coverage of net charge-offs (x) | 1,376.0000% | 130 |
| Efficiency ratio | 30.0458% | 4,652 |
| Assets per employee ($millions) | 351.1893% | 6 |
| Cash dividends to net income (ytd only)* | 184.1017% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1785% | 4,580 |
| Loan loss allowance to noncurrent loans | 304.1667% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,838 |
| Noncurrent loans to loans | 0.0587% | 3,335 |
| Net loans and leases to total assets | 11.7100% | 4,598 |
| Net loans and leases to deposits | 12.5248% | 4,603 |
| Net loans and leases to core deposits | 13.0326% | 4,589 |
| Total domestic deposits to total assets | 93.4800% | 309 |
| Equity capital to assets | 2.1977% | 4,638 |
| Core capital (leverage) ratio | 7.3218% | 4,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4714% | 292 |
| Memoranda: | ||
| Average total assets | $394,509,600,000 | 11 |
| Average earning assets | $387,917,200,000 | 10 |
| Average equity | $16,731,600,000 | 19 |
| Average total loans | $40,137,800,000 | 43 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5872% | 4,656 |
| Cost of funding earning assets | 0.0837% | 4,392 |
| Net interest margin | 1.5036% | 4,639 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 0.4283% | 4,734 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.7944% | 3,284 |
| Return on assets (ROA) | 0.7951% | 3,235 |
| Pretax return on assets | 1.0428% | 2,893 |
| Return on Equity (ROE) | 16.9900% | 791 |
| Retained earnings to average equity (ytd only) | 3.6563% | 3,565 |
| Net charge-offs to loans | 0.0100% | 1,750 |
| Credit loss provision to net charge-offs | 1,133.3333% | 378 |
| Earnings coverage of net charge-offs (x) | 1,069.0000% | 140 |
| Efficiency ratio | 28.9071% | 4,695 |
| Assets per employee ($millions) | 358.9920% | 5 |
| Cash dividends to net income (ytd only)* | 78.4800% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1160% | 4,634 |
| Loan loss allowance to noncurrent loans | 272.2222% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 3,953 |
| Noncurrent loans to loans | 0.0426% | 3,585 |
| Net loans and leases to total assets | 11.7000% | 4,641 |
| Net loans and leases to deposits | 12.0752% | 4,648 |
| Net loans and leases to core deposits | 12.3110% | 4,633 |
| Total domestic deposits to total assets | 96.8700% | 86 |
| Equity capital to assets | 2.8693% | 4,600 |
| Core capital (leverage) ratio | 7.5610% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4383% | 262 |
| Memoranda: | ||
| Average total assets | $405,954,250,000 | 10 |
| Average earning assets | $400,011,500,000 | 9 |
| Average equity | $18,998,500,000 | 17 |
| Average total loans | $39,946,500,000 | 43 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4234% | 4,716 |
| Cost of funding earning assets | 0.0187% | 4,719 |
| Net interest margin | 1.4047% | 4,693 |
| Noninterest income to average assets | -0.0024% | 4,747 |
| Noninterest expense to average assets | 0.4047% | 4,758 |
| Loan and lease loss provision to assets | 0.0090% | 2,433 |
| Net operating income to assets | 0.7408% | 3,173 |
| Return on assets (ROA) | 0.7468% | 3,104 |
| Pretax return on assets | 0.9795% | 2,802 |
| Return on Equity (ROE) | 14.3688% | 1,022 |
| Retained earnings to average equity (ytd only) | 14.3688% | 324 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.2081% | 4,722 |
| Assets per employee ($millions) | 436.7248% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0891% | 4,708 |
| Loan loss allowance to noncurrent loans | 185.0000% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,997 |
| Noncurrent loans to loans | 0.0482% | 3,588 |
| Net loans and leases to total assets | 10.1716% | 4,708 |
| Net loans and leases to deposits | 10.6524% | 4,716 |
| Net loans and leases to core deposits | 10.8421% | 4,708 |
| Total domestic deposits to total assets | 95.4862% | 107 |
| Equity capital to assets | 4.3077% | 4,586 |
| Core capital (leverage) ratio | 7.3190% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3174% | 263 |
| Memoranda: | ||
| Average total assets | $421,010,000,000 | 9 |
| Average earning assets | $416,033,666,667 | 8 |
| Average equity | $21,880,666,667 | 14 |
| Average total loans | $39,177,666,667 | 43 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3052% | 4,743 |
| Cost of funding earning assets | 0.0132% | 4,751 |
| Net interest margin | 1.2920% | 4,723 |
| Noninterest income to average assets | -0.0065% | 4,772 |
| Noninterest expense to average assets | 0.3901% | 4,785 |
| Loan and lease loss provision to assets | 0.0094% | 2,151 |
| Net operating income to assets | 0.6656% | 3,173 |
| Return on assets (ROA) | 0.6745% | 3,129 |
| Pretax return on assets | 0.8850% | 2,833 |
| Return on Equity (ROE) | 11.9989% | 1,315 |
| Retained earnings to average equity (ytd only) | 11.9989% | 605 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6392% | 4,736 |
| Assets per employee ($millions) | 498.9977% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0713% | 4,738 |
| Loan loss allowance to noncurrent loans | 90.3226% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,014 |
| Noncurrent loans to loans | 0.0789% | 3,448 |
| Net loans and leases to total assets | 9.0314% | 4,739 |
| Net loans and leases to deposits | 9.5124% | 4,747 |
| Net loans and leases to core deposits | 9.6801% | 4,739 |
| Total domestic deposits to total assets | 94.9435% | 42 |
| Equity capital to assets | 4.8400% | 4,735 |
| Core capital (leverage) ratio | 7.1064% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1431% | 288 |
| Memoranda: | ||
| Average total assets | $427,564,500,000 | 9 |
| Average earning assets | $423,524,000,000 | 8 |
| Average equity | $24,035,500,000 | 13 |
| Average total loans | $38,003,000,000 | 44 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2878% | 4,764 |
| Cost of funding earning assets | 0.0130% | 4,790 |
| Net interest margin | 1.2747% | 4,750 |
| Noninterest income to average assets | 0.0065% | 4,796 |
| Noninterest expense to average assets | 0.3852% | 4,819 |
| Loan and lease loss provision to assets | -0.0035% | 4,146 |
| Net operating income to assets | 0.6854% | 3,663 |
| Return on assets (ROA) | 0.6856% | 3,715 |
| Pretax return on assets | 0.8922% | 3,528 |
| Return on Equity (ROE) | 10.0789% | 2,497 |
| Retained earnings to average equity (ytd only) | 10.0789% | 901 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.2439% | 4,790 |
| Assets per employee ($millions) | 497.0473% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0490% | 4,779 |
| Loan loss allowance to noncurrent loans | 51.4286% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,072 |
| Noncurrent loans to loans | 0.0953% | 3,448 |
| Net loans and leases to total assets | 8.7293% | 4,784 |
| Net loans and leases to deposits | 9.3475% | 4,792 |
| Net loans and leases to core deposits | 9.5118% | 4,781 |
| Total domestic deposits to total assets | 93.3872% | 28 |
| Equity capital to assets | 6.4292% | 4,798 |
| Core capital (leverage) ratio | 7.0779% | 4,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8492% | 317 |
| Memoranda: | ||
| Average total assets | $370,200,800,000 | 11 |
| Average earning assets | $367,995,600,000 | 9 |
| Average equity | $25,181,400,000 | 13 |
| Average total loans | $29,692,200,000 | 49 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2915% | 4,845 |
| Cost of funding earning assets | 0.0131% | 4,870 |
| Net interest margin | 1.2784% | 4,835 |
| Noninterest income to average assets | 0.0063% | 4,868 |
| Noninterest expense to average assets | 0.3948% | 4,904 |
| Loan and lease loss provision to assets | -0.0067% | 4,310 |
| Net operating income to assets | 0.6760% | 3,824 |
| Return on assets (ROA) | 0.6793% | 3,880 |
| Pretax return on assets | 0.8933% | 3,707 |
| Return on Equity (ROE) | 9.8279% | 2,797 |
| Retained earnings to average equity (ytd only) | 9.8279% | 1,376 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.9107% | 4,856 |
| Assets per employee ($millions) | 473.5443% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0392% | 4,861 |
| Loan loss allowance to noncurrent loans | 27.6596% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,141 |
| Noncurrent loans to loans | 0.1416% | 3,400 |
| Net loans and leases to total assets | 8.7459% | 4,857 |
| Net loans and leases to deposits | 9.4994% | 4,863 |
| Net loans and leases to core deposits | 9.6729% | 4,855 |
| Total domestic deposits to total assets | 92.0677% | 110 |
| Equity capital to assets | 7.2685% | 4,760 |
| Core capital (leverage) ratio | 7.0851% | 4,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1532% | 365 |
| Memoranda: | ||
| Average total assets | $357,625,500,000 | 11 |
| Average earning assets | $355,550,250,000 | 9 |
| Average equity | $24,718,000,000 | 13 |
| Average total loans | $27,934,000,000 | 51 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2790% | 4,885 |
| Cost of funding earning assets | 0.0132% | 4,909 |
| Net interest margin | 1.2658% | 4,872 |
| Noninterest income to average assets | 0.0074% | 4,905 |
| Noninterest expense to average assets | 0.3995% | 4,939 |
| Loan and lease loss provision to assets | -0.0103% | 4,409 |
| Net operating income to assets | 0.6560% | 3,861 |
| Return on assets (ROA) | 0.6610% | 3,915 |
| Pretax return on assets | 0.8830% | 3,696 |
| Return on Equity (ROE) | 9.7445% | 2,857 |
| Retained earnings to average equity (ytd only) | 9.7445% | 1,483 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5600% | 4,890 |
| Assets per employee ($millions) | 481.9583% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0448% | 4,895 |
| Loan loss allowance to noncurrent loans | 23.6364% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,184 |
| Noncurrent loans to loans | 0.1896% | 3,283 |
| Net loans and leases to total assets | 8.0987% | 4,899 |
| Net loans and leases to deposits | 8.8577% | 4,904 |
| Net loans and leases to core deposits | 9.2161% | 4,896 |
| Total domestic deposits to total assets | 91.4310% | 245 |
| Equity capital to assets | 7.6206% | 4,700 |
| Core capital (leverage) ratio | 7.0690% | 4,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5547% | 399 |
| Memoranda: | ||
| Average total assets | $350,397,666,667 | 11 |
| Average earning assets | $348,387,666,667 | 10 |
| Average equity | $23,767,333,333 | 14 |
| Average total loans | $26,183,000,000 | 52 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2779% | 4,921 |
| Cost of funding earning assets | 0.0128% | 4,942 |
| Net interest margin | 1.2652% | 4,902 |
| Noninterest income to average assets | 0.0023% | 4,933 |
| Noninterest expense to average assets | 0.3959% | 4,963 |
| Loan and lease loss provision to assets | -0.0150% | 4,592 |
| Net operating income to assets | 0.6679% | 3,783 |
| Return on assets (ROA) | 0.6752% | 3,834 |
| Pretax return on assets | 0.8888% | 3,629 |
| Return on Equity (ROE) | 10.6332% | 2,486 |
| Retained earnings to average equity (ytd only) | 10.6332% | 1,486 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.4103% | 4,898 |
| Assets per employee ($millions) | 485.5809% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0705% | 4,923 |
| Loan loss allowance to noncurrent loans | 25.3521% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 4,228 |
| Noncurrent loans to loans | 0.2780% | 3,102 |
| Net loans and leases to total assets | 7.2688% | 4,930 |
| Net loans and leases to deposits | 7.7717% | 4,936 |
| Net loans and leases to core deposits | 8.0744% | 4,926 |
| Total domestic deposits to total assets | 93.5287% | 16 |
| Equity capital to assets | 6.2067% | 4,927 |
| Core capital (leverage) ratio | 6.0382% | 4,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9528% | 589 |
| Memoranda: | ||
| Average total assets | $346,549,000,000 | 11 |
| Average earning assets | $344,616,000,000 | 10 |
| Average equity | $22,006,500,000 | 15 |
| Average total loans | $24,767,500,000 | 57 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6202% | 4,942 |
| Cost of funding earning assets | 0.0274% | 4,964 |
| Net interest margin | 1.5927% | 4,909 |
| Noninterest income to average assets | 0.0066% | 4,946 |
| Noninterest expense to average assets | 0.4275% | 4,981 |
| Loan and lease loss provision to assets | 0.0035% | 4,295 |
| Net operating income to assets | 0.8957% | 2,719 |
| Return on assets (ROA) | 0.8963% | 2,849 |
| Pretax return on assets | 1.1600% | 2,478 |
| Return on Equity (ROE) | 13.0073% | 1,040 |
| Retained earnings to average equity (ytd only) | 13.0073% | 243 |
| Net charge-offs to loans | -0.0047% | 4,114 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,053 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.8808% | 4,972 |
| Assets per employee ($millions) | 483.0833% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1250% | 4,937 |
| Loan loss allowance to noncurrent loans | 33.3333% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,242 |
| Noncurrent loans to loans | 0.3750% | 2,860 |
| Net loans and leases to total assets | 7.0077% | 4,953 |
| Net loans and leases to deposits | 7.5413% | 4,959 |
| Net loans and leases to core deposits | 7.8318% | 4,952 |
| Total domestic deposits to total assets | 92.9242% | 15 |
| Equity capital to assets | 6.4975% | 4,958 |
| Core capital (leverage) ratio | 5.4841% | 4,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2814% | 866 |
| Memoranda: | ||
| Average total assets | $285,851,800,000 | 12 |
| Average earning assets | $284,229,200,000 | 11 |
| Average equity | $19,696,600,000 | 16 |
| Average total loans | $21,091,800,000 | 68 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7278% | 4,984 |
| Cost of funding earning assets | 0.0335% | 4,998 |
| Net interest margin | 1.6943% | 4,943 |
| Noninterest income to average assets | 0.0054% | 4,979 |
| Noninterest expense to average assets | 0.4429% | 5,018 |
| Loan and lease loss provision to assets | 0.0049% | 4,211 |
| Net operating income to assets | 0.9474% | 2,528 |
| Return on assets (ROA) | 0.9482% | 2,662 |
| Pretax return on assets | 1.2430% | 2,256 |
| Return on Equity (ROE) | 13.5183% | 971 |
| Retained earnings to average equity (ytd only) | 13.5183% | 282 |
| Net charge-offs to loans | -0.0065% | 4,117 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2119% | 5,006 |
| Assets per employee ($millions) | 437.4219% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1339% | 4,975 |
| Loan loss allowance to noncurrent loans | 69.7674% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 4,420 |
| Noncurrent loans to loans | 0.1919% | 3,624 |
| Net loans and leases to total assets | 7.2659% | 4,986 |
| Net loans and leases to deposits | 7.8699% | 4,992 |
| Net loans and leases to core deposits | 8.1836% | 4,985 |
| Total domestic deposits to total assets | 92.3253% | 35 |
| Equity capital to assets | 7.0162% | 4,947 |
| Core capital (leverage) ratio | 5.6195% | 5,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1682% | 887 |
| Memoranda: | ||
| Average total assets | $271,809,000,000 | 12 |
| Average earning assets | $270,240,250,000 | 11 |
| Average equity | $19,065,000,000 | 16 |
| Average total loans | $20,365,250,000 | 69 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8588% | 5,026 |
| Cost of funding earning assets | 0.0449% | 5,030 |
| Net interest margin | 1.8138% | 4,980 |
| Noninterest income to average assets | 0.0054% | 5,000 |
| Noninterest expense to average assets | 0.4589% | 5,053 |
| Loan and lease loss provision to assets | 0.0077% | 4,095 |
| Net operating income to assets | 1.0232% | 2,240 |
| Return on assets (ROA) | 1.0232% | 2,371 |
| Pretax return on assets | 1.3420% | 1,895 |
| Return on Equity (ROE) | 14.5900% | 775 |
| Retained earnings to average equity (ytd only) | 14.5900% | 244 |
| Net charge-offs to loans | -0.0102% | 4,214 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.3725% | 5,036 |
| Assets per employee ($millions) | 434.4606% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1425% | 5,007 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 4,541 |
| Noncurrent loans to loans | 0.1140% | 3,993 |
| Net loans and leases to total assets | 7.1890% | 5,021 |
| Net loans and leases to deposits | 7.8511% | 5,028 |
| Net loans and leases to core deposits | 8.1777% | 5,019 |
| Total domestic deposits to total assets | 91.5661% | 78 |
| Equity capital to assets | 7.1685% | 4,944 |
| Core capital (leverage) ratio | 5.7968% | 5,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9145% | 919 |
| Memoranda: | ||
| Average total assets | $259,763,666,667 | 12 |
| Average earning assets | $258,238,000,000 | 11 |
| Average equity | $18,218,000,000 | 16 |
| Average total loans | $19,685,333,333 | 70 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0730% | 5,083 |
| Cost of funding earning assets | 0.0793% | 5,058 |
| Net interest margin | 1.9936% | 5,016 |
| Noninterest income to average assets | -0.0115% | 5,076 |
| Noninterest expense to average assets | 0.4748% | 5,100 |
| Loan and lease loss provision to assets | 0.0164% | 3,589 |
| Net operating income to assets | 1.1288% | 1,755 |
| Return on assets (ROA) | 1.1288% | 1,858 |
| Pretax return on assets | 1.4787% | 1,358 |
| Return on Equity (ROE) | 16.3115% | 391 |
| Retained earnings to average equity (ytd only) | 16.3115% | 133 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.1034% | 5,082 |
| Assets per employee ($millions) | 461.9573% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1475% | 5,042 |
| Loan loss allowance to noncurrent loans | 126.0870% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,600 |
| Noncurrent loans to loans | 0.1170% | 4,055 |
| Net loans and leases to total assets | 7.2630% | 5,069 |
| Net loans and leases to deposits | 7.9326% | 5,073 |
| Net loans and leases to core deposits | 8.2602% | 5,065 |
| Total domestic deposits to total assets | 91.5599% | 70 |
| Equity capital to assets | 6.9796% | 5,071 |
| Core capital (leverage) ratio | 6.9344% | 5,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7805% | 889 |
| Memoranda: | ||
| Average total assets | $243,449,500,000 | 12 |
| Average earning assets | $241,971,000,000 | 12 |
| Average equity | $16,847,000,000 | 20 |
| Average total loans | $19,003,000,000 | 70 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6110% | 5,115 |
| Cost of funding earning assets | 0.3014% | 4,723 |
| Net interest margin | 2.3095% | 5,032 |
| Noninterest income to average assets | 0.0415% | 5,054 |
| Noninterest expense to average assets | 0.2361% | 5,169 |
| Loan and lease loss provision to assets | -0.0023% | 4,907 |
| Net operating income to assets | 1.6219% | 797 |
| Return on assets (ROA) | 1.6241% | 847 |
| Pretax return on assets | 2.1053% | 474 |
| Return on Equity (ROE) | 22.9035% | 116 |
| Retained earnings to average equity (ytd only) | -7.0378% | 5,029 |
| Net charge-offs to loans | -0.0117% | 4,509 |
| Credit loss provision to net charge-offs | 250.0000% | 1,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.1036% | 5,169 |
| Assets per employee ($millions) | 298.4215% | 6 |
| Cash dividends to net income (ytd only)* | 130.7281% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0981% | 5,106 |
| Loan loss allowance to noncurrent loans | 81.8182% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,614 |
| Noncurrent loans to loans | 0.1199% | 4,052 |
| Net loans and leases to total assets | 8.4610% | 5,121 |
| Net loans and leases to deposits | 9.1022% | 5,135 |
| Net loans and leases to core deposits | 9.5895% | 5,126 |
| Total domestic deposits to total assets | 92.9547% | 12 |
| Equity capital to assets | 6.8459% | 5,151 |
| Core capital (leverage) ratio | 7.0663% | 5,137 |
| Tier 1 risk-based capital ratio | 20.7198% | 1,216 |
| Total risk-based capital ratio | 20.7450% | 1,376 |
| Memoranda: | ||
| Average total assets | $219,016,800,000 | 12 |
| Average earning assets | $217,621,200,000 | 11 |
| Average equity | $15,530,400,000 | 22 |
| Average total loans | $17,107,600,000 | 71 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6755% | 5,199 |
| Cost of funding earning assets | 0.3538% | 4,644 |
| Net interest margin | 2.3217% | 5,123 |
| Noninterest income to average assets | 0.0419% | 5,128 |
| Noninterest expense to average assets | 0.2362% | 5,248 |
| Loan and lease loss provision to assets | -0.0036% | 5,037 |
| Net operating income to assets | 1.6217% | 883 |
| Return on assets (ROA) | 1.6241% | 918 |
| Pretax return on assets | 2.1195% | 528 |
| Return on Equity (ROE) | 22.7098% | 140 |
| Retained earnings to average equity (ytd only) | -3.1836% | 4,998 |
| Net charge-offs to loans | -0.0159% | 4,520 |
| Credit loss provision to net charge-offs | 300.0000% | 946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.0543% | 5,249 |
| Assets per employee ($millions) | 281.8955% | 7 |
| Cash dividends to net income (ytd only)* | 114.0187% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0998% | 5,182 |
| Loan loss allowance to noncurrent loans | 80.9524% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,704 |
| Noncurrent loans to loans | 0.1233% | 4,099 |
| Net loans and leases to total assets | 8.1927% | 5,209 |
| Net loans and leases to deposits | 8.8798% | 5,214 |
| Net loans and leases to core deposits | 9.3484% | 5,206 |
| Total domestic deposits to total assets | 92.2626% | 28 |
| Equity capital to assets | 7.5044% | 5,191 |
| Core capital (leverage) ratio | 7.3917% | 5,199 |
| Tier 1 risk-based capital ratio | 22.8555% | 960 |
| Total risk-based capital ratio | 22.8804% | 1,095 |
| Memoranda: | ||
| Average total assets | $219,607,500,000 | 12 |
| Average earning assets | $218,220,750,000 | 10 |
| Average equity | $15,705,000,000 | 23 |
| Average total loans | $16,797,250,000 | 72 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6856% | 5,259 |
| Cost of funding earning assets | 0.3808% | 4,580 |
| Net interest margin | 2.3047% | 5,190 |
| Noninterest income to average assets | 0.0394% | 5,185 |
| Noninterest expense to average assets | 0.2308% | 5,294 |
| Loan and lease loss provision to assets | -0.0036% | 5,098 |
| Net operating income to assets | 1.6066% | 894 |
| Return on assets (ROA) | 1.6094% | 928 |
| Pretax return on assets | 2.1059% | 543 |
| Return on Equity (ROE) | 22.8546% | 143 |
| Retained earnings to average equity (ytd only) | -0.6479% | 4,781 |
| Net charge-offs to loans | -0.0120% | 4,375 |
| Credit loss provision to net charge-offs | 400.0000% | 710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.9078% | 5,295 |
| Assets per employee ($millions) | 287.5724% | 6 |
| Cash dividends to net income (ytd only)* | 102.8349% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1075% | 5,233 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 4,755 |
| Noncurrent loans to loans | 0.1075% | 4,191 |
| Net loans and leases to total assets | 7.7961% | 5,258 |
| Net loans and leases to deposits | 8.5641% | 5,264 |
| Net loans and leases to core deposits | 8.9944% | 5,254 |
| Total domestic deposits to total assets | 91.0329% | 101 |
| Equity capital to assets | 7.3976% | 5,244 |
| Core capital (leverage) ratio | 7.3959% | 5,239 |
| Tier 1 risk-based capital ratio | 22.6521% | 976 |
| Total risk-based capital ratio | 22.6779% | 1,105 |
| Memoranda: | ||
| Average total assets | $223,557,666,670 | 11 |
| Average earning assets | $222,150,666,670 | 10 |
| Average equity | $15,743,000,000 | 24 |
| Average total loans | $16,717,000,000 | 72 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7009% | 5,316 |
| Cost of funding earning assets | 0.3742% | 4,592 |
| Net interest margin | 2.3266% | 5,249 |
| Noninterest income to average assets | 0.0333% | 5,253 |
| Noninterest expense to average assets | 0.2227% | 5,355 |
| Loan and lease loss provision to assets | -0.0018% | 5,187 |
| Net operating income to assets | 1.6227% | 854 |
| Return on assets (ROA) | 1.6240% | 884 |
| Pretax return on assets | 2.1256% | 503 |
| Return on Equity (ROE) | 23.6232% | 127 |
| Retained earnings to average equity (ytd only) | -0.6123% | 4,607 |
| Net charge-offs to loans | -0.0239% | 4,561 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.4989% | 5,355 |
| Assets per employee ($millions) | 308.4889% | 6 |
| Cash dividends to net income (ytd only)* | 102.5918% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1263% | 5,295 |
| Loan loss allowance to noncurrent loans | 95.4545% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,815 |
| Noncurrent loans to loans | 0.1323% | 4,143 |
| Net loans and leases to total assets | 7.4791% | 5,319 |
| Net loans and leases to deposits | 8.0771% | 5,324 |
| Net loans and leases to core deposits | 8.4614% | 5,315 |
| Total domestic deposits to total assets | 92.5961% | 35 |
| Equity capital to assets | 7.0883% | 5,304 |
| Core capital (leverage) ratio | 7.0426% | 5,317 |
| Tier 1 risk-based capital ratio | 20.6663% | 1,220 |
| Total risk-based capital ratio | 20.6939% | 1,430 |
| Memoranda: | ||
| Average total assets | $228,072,000,000 | 11 |
| Average earning assets | $226,595,000,000 | 10 |
| Average equity | $15,679,500,000 | 22 |
| Average total loans | $16,704,000,000 | 73 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4738% | 5,344 |
| Cost of funding earning assets | 0.2739% | 4,689 |
| Net interest margin | 2.1999% | 5,303 |
| Noninterest income to average assets | 0.0587% | 5,249 |
| Noninterest expense to average assets | 0.2703% | 5,398 |
| Loan and lease loss provision to assets | -0.0028% | 5,081 |
| Net operating income to assets | 1.5138% | 1,084 |
| Return on assets (ROA) | 1.5138% | 1,067 |
| Pretax return on assets | 1.9777% | 587 |
| Return on Equity (ROE) | 22.2241% | 148 |
| Retained earnings to average equity (ytd only) | 17.0121% | 67 |
| Net charge-offs to loans | -0.0060% | 4,386 |
| Credit loss provision to net charge-offs | 600.0000% | 575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.0388% | 5,395 |
| Assets per employee ($millions) | 402.1168% | 4 |
| Cash dividends to net income (ytd only)* | 23.4522% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1252% | 5,339 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 4,850 |
| Noncurrent loans to loans | 0.1252% | 4,169 |
| Net loans and leases to total assets | 7.1589% | 5,362 |
| Net loans and leases to deposits | 7.6909% | 5,368 |
| Net loans and leases to core deposits | 8.0241% | 5,361 |
| Total domestic deposits to total assets | 93.0826% | 33 |
| Equity capital to assets | 6.6722% | 5,353 |
| Core capital (leverage) ratio | 7.1674% | 5,349 |
| Tier 1 risk-based capital ratio | 19.6639% | 1,367 |
| Total risk-based capital ratio | 19.6900% | 1,586 |
| Memoranda: | ||
| Average total assets | $211,251,200,000 | 12 |
| Average earning assets | $209,960,800,000 | 10 |
| Average equity | $14,389,800,000 | 26 |
| Average total loans | $16,639,400,000 | 74 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4360% | 5,417 |
| Cost of funding earning assets | 0.2480% | 4,795 |
| Net interest margin | 2.1880% | 5,386 |
| Noninterest income to average assets | 0.0603% | 5,320 |
| Noninterest expense to average assets | 0.2847% | 5,468 |
| Loan and lease loss provision to assets | -0.0006% | 5,191 |
| Net operating income to assets | 1.4776% | 1,253 |
| Return on assets (ROA) | 1.4776% | 1,251 |
| Pretax return on assets | 1.9504% | 725 |
| Return on Equity (ROE) | 21.5661% | 187 |
| Retained earnings to average equity (ytd only) | 16.8325% | 109 |
| Net charge-offs to loans | -0.0080% | 4,336 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.7431% | 5,464 |
| Assets per employee ($millions) | 278.5661% | 6 |
| Cash dividends to net income (ytd only)* | 21.9491% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1560% | 5,405 |
| Loan loss allowance to noncurrent loans | 113.0435% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 4,950 |
| Noncurrent loans to loans | 0.1380% | 4,262 |
| Net loans and leases to total assets | 7.6667% | 5,437 |
| Net loans and leases to deposits | 8.2633% | 5,440 |
| Net loans and leases to core deposits | 8.6609% | 5,433 |
| Total domestic deposits to total assets | 92.7807% | 45 |
| Equity capital to assets | 6.8658% | 5,401 |
| Core capital (leverage) ratio | 7.1073% | 5,423 |
| Tier 1 risk-based capital ratio | 20.1584% | 1,306 |
| Total risk-based capital ratio | 20.1943% | 1,520 |
| Memoranda: | ||
| Average total assets | $205,556,000,000 | 12 |
| Average earning assets | $204,260,000,000 | 10 |
| Average equity | $14,083,500,000 | 26 |
| Average total loans | $16,605,500,000 | 73 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3782% | 5,484 |
| Cost of funding earning assets | 0.2295% | 4,861 |
| Net interest margin | 2.1486% | 5,450 |
| Noninterest income to average assets | 0.0605% | 5,376 |
| Noninterest expense to average assets | 0.2845% | 5,531 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4504% | 1,279 |
| Return on assets (ROA) | 1.4504% | 1,281 |
| Pretax return on assets | 1.9104% | 753 |
| Return on Equity (ROE) | 21.1850% | 195 |
| Retained earnings to average equity (ytd only) | 17.5649% | 109 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.9630% | 5,527 |
| Assets per employee ($millions) | 285.1139% | 5 |
| Cash dividends to net income (ytd only)* | 17.0882% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1560% | 5,465 |
| Loan loss allowance to noncurrent loans | 108.3333% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 4,976 |
| Noncurrent loans to loans | 0.1440% | 4,250 |
| Net loans and leases to total assets | 8.0083% | 5,497 |
| Net loans and leases to deposits | 8.7175% | 5,501 |
| Net loans and leases to core deposits | 9.1575% | 5,494 |
| Total domestic deposits to total assets | 91.8638% | 102 |
| Equity capital to assets | 6.9050% | 5,458 |
| Core capital (leverage) ratio | 7.2019% | 5,465 |
| Tier 1 risk-based capital ratio | 20.0835% | 1,305 |
| Total risk-based capital ratio | 20.1206% | 1,542 |
| Memoranda: | ||
| Average total assets | $201,740,333,330 | 12 |
| Average earning assets | $200,407,666,670 | 10 |
| Average equity | $13,811,666,670 | 26 |
| Average total loans | $16,586,333,330 | 72 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3176% | 5,551 |
| Cost of funding earning assets | 0.2230% | 4,874 |
| Net interest margin | 2.0945% | 5,525 |
| Noninterest income to average assets | 0.0604% | 5,448 |
| Noninterest expense to average assets | 0.2859% | 5,597 |
| Loan and lease loss provision to assets | 0.0020% | 3,493 |
| Net operating income to assets | 1.4213% | 1,284 |
| Return on assets (ROA) | 1.4213% | 1,289 |
| Pretax return on assets | 1.8522% | 816 |
| Return on Equity (ROE) | 20.8544% | 202 |
| Retained earnings to average equity (ytd only) | 20.8544% | 88 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.3584% | 5,596 |
| Assets per employee ($millions) | 287.6715% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1644% | 5,527 |
| Loan loss allowance to noncurrent loans | 93.1034% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 5,046 |
| Noncurrent loans to loans | 0.1765% | 4,182 |
| Net loans and leases to total assets | 8.2508% | 5,559 |
| Net loans and leases to deposits | 8.9008% | 5,562 |
| Net loans and leases to core deposits | 9.3716% | 5,555 |
| Total domestic deposits to total assets | 92.6970% | 53 |
| Equity capital to assets | 6.9720% | 5,515 |
| Core capital (leverage) ratio | 6.9539% | 5,548 |
| Tier 1 risk-based capital ratio | 20.6565% | 1,251 |
| Total risk-based capital ratio | 20.6975% | 1,413 |
| Memoranda: | ||
| Average total assets | $198,686,500,000 | 13 |
| Average earning assets | $197,274,500,000 | 10 |
| Average equity | $13,541,500,000 | 26 |
| Average total loans | $16,544,000,000 | 73 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0394% | 5,608 |
| Cost of funding earning assets | 0.1030% | 5,486 |
| Net interest margin | 1.9364% | 5,584 |
| Noninterest income to average assets | 0.0626% | 5,505 |
| Noninterest expense to average assets | 0.2887% | 5,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0602% | 2,017 |
| Return on assets (ROA) | 1.0637% | 2,023 |
| Pretax return on assets | 1.7042% | 998 |
| Return on Equity (ROE) | 15.5042% | 545 |
| Retained earnings to average equity (ytd only) | 10.5425% | 283 |
| Net charge-offs to loans | -0.0063% | 4,685 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.5245% | 5,656 |
| Assets per employee ($millions) | 305.0568% | 5 |
| Cash dividends to net income (ytd only)* | 32.0020% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1561% | 5,591 |
| Loan loss allowance to noncurrent loans | 89.6552% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,080 |
| Noncurrent loans to loans | 0.1741% | 4,229 |
| Net loans and leases to total assets | 8.3760% | 5,627 |
| Net loans and leases to deposits | 9.7996% | 5,629 |
| Net loans and leases to core deposits | 10.3505% | 5,620 |
| Total domestic deposits to total assets | 85.4727% | 2,666 |
| Equity capital to assets | 6.6589% | 5,605 |
| Core capital (leverage) ratio | 7.0574% | 5,598 |
| Tier 1 risk-based capital ratio | 20.0771% | 1,305 |
| Total risk-based capital ratio | 20.1177% | 1,506 |
| Memoranda: | ||
| Average total assets | $183,607,800,000 | 14 |
| Average earning assets | $182,501,000,000 | 13 |
| Average equity | $12,596,600,000 | 27 |
| Average total loans | $15,977,800,000 | 71 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0174% | 5,679 |
| Cost of funding earning assets | 0.0805% | 5,619 |
| Net interest margin | 1.9368% | 5,651 |
| Noninterest income to average assets | 0.0638% | 5,573 |
| Noninterest expense to average assets | 0.2921% | 5,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0784% | 2,187 |
| Return on assets (ROA) | 1.0808% | 2,230 |
| Pretax return on assets | 1.7013% | 1,121 |
| Return on Equity (ROE) | 15.6269% | 570 |
| Retained earnings to average equity (ytd only) | 8.9281% | 868 |
| Net charge-offs to loans | -0.0084% | 4,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.6796% | 5,727 |
| Assets per employee ($millions) | 293.5352% | 6 |
| Cash dividends to net income (ytd only)* | 42.8669% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1593% | 5,658 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 5,179 |
| Noncurrent loans to loans | 0.1593% | 4,425 |
| Net loans and leases to total assets | 8.6901% | 5,690 |
| Net loans and leases to deposits | 9.8585% | 5,694 |
| Net loans and leases to core deposits | 10.4572% | 5,687 |
| Total domestic deposits to total assets | 88.1484% | 1,281 |
| Equity capital to assets | 6.8076% | 5,675 |
| Core capital (leverage) ratio | 7.2076% | 5,652 |
| Tier 1 risk-based capital ratio | 20.0428% | 1,353 |
| Total risk-based capital ratio | 20.0849% | 1,588 |
| Memoranda: | ||
| Average total assets | $179,861,750,000 | 14 |
| Average earning assets | $178,843,750,000 | 14 |
| Average equity | $12,439,750,000 | 27 |
| Average total loans | $15,807,250,000 | 71 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0046% | 5,730 |
| Cost of funding earning assets | 0.0613% | 5,701 |
| Net interest margin | 1.9433% | 5,704 |
| Noninterest income to average assets | 0.0643% | 5,612 |
| Noninterest expense to average assets | 0.2933% | 5,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0771% | 2,093 |
| Return on assets (ROA) | 1.0807% | 2,127 |
| Pretax return on assets | 1.7090% | 1,034 |
| Return on Equity (ROE) | 15.5393% | 594 |
| Retained earnings to average equity (ytd only) | 15.5393% | 118 |
| Net charge-offs to loans | -0.0128% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.6893% | 5,775 |
| Assets per employee ($millions) | 287.0212% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1633% | 5,709 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 5,225 |
| Noncurrent loans to loans | 0.1633% | 4,462 |
| Net loans and leases to total assets | 9.0472% | 5,739 |
| Net loans and leases to deposits | 9.7877% | 5,743 |
| Net loans and leases to core deposits | 10.3837% | 5,736 |
| Total domestic deposits to total assets | 92.4341% | 43 |
| Equity capital to assets | 7.3370% | 5,676 |
| Core capital (leverage) ratio | 7.2679% | 5,684 |
| Tier 1 risk-based capital ratio | 21.0274% | 1,173 |
| Total risk-based capital ratio | 21.0712% | 1,372 |
| Memoranda: | ||
| Average total assets | $177,292,666,670 | 14 |
| Average earning assets | $176,296,333,330 | 14 |
| Average equity | $12,330,000,000 | 26 |
| Average total loans | $15,634,333,330 | 70 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9380% | 5,802 |
| Cost of funding earning assets | 0.0474% | 5,790 |
| Net interest margin | 1.8906% | 5,772 |
| Noninterest income to average assets | 0.0629% | 5,695 |
| Noninterest expense to average assets | 0.2875% | 5,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0473% | 2,080 |
| Return on assets (ROA) | 1.0488% | 2,126 |
| Pretax return on assets | 1.6574% | 1,103 |
| Return on Equity (ROE) | 15.5008% | 593 |
| Retained earnings to average equity (ytd only) | 15.5008% | 216 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.7977% | 5,842 |
| Assets per employee ($millions) | 301.8495% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1608% | 5,783 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 5,263 |
| Noncurrent loans to loans | 0.1929% | 4,431 |
| Net loans and leases to total assets | 8.6003% | 5,810 |
| Net loans and leases to deposits | 9.2975% | 5,810 |
| Net loans and leases to core deposits | 9.8427% | 5,801 |
| Total domestic deposits to total assets | 92.5011% | 58 |
| Equity capital to assets | 6.8563% | 5,770 |
| Core capital (leverage) ratio | 7.0106% | 5,765 |
| Tier 1 risk-based capital ratio | 19.6561% | 1,463 |
| Total risk-based capital ratio | 19.6970% | 1,712 |
| Memoranda: | ||
| Average total assets | $178,110,500,000 | 14 |
| Average earning assets | $177,090,500,000 | 14 |
| Average equity | $12,051,000,000 | 29 |
| Average total loans | $15,492,500,000 | 71 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7566% | 5,858 |
| Cost of funding earning assets | 0.0296% | 5,861 |
| Net interest margin | 1.7270% | 5,836 |
| Noninterest income to average assets | 0.0871% | 5,677 |
| Noninterest expense to average assets | 0.3074% | 5,901 |
| Loan and lease loss provision to assets | -0.0038% | 5,466 |
| Net operating income to assets | 0.9492% | 2,589 |
| Return on assets (ROA) | 0.9509% | 2,687 |
| Pretax return on assets | 1.5035% | 1,573 |
| Return on Equity (ROE) | 14.1305% | 752 |
| Retained earnings to average equity (ytd only) | 14.1305% | 123 |
| Net charge-offs to loans | -0.0068% | 4,861 |
| Credit loss provision to net charge-offs | 600.0000% | 568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.0334% | 5,899 |
| Assets per employee ($millions) | 298.8350% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1620% | 5,839 |
| Loan loss allowance to noncurrent loans | 92.5926% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 5,323 |
| Noncurrent loans to loans | 0.1749% | 4,536 |
| Net loans and leases to total assets | 8.7705% | 5,866 |
| Net loans and leases to deposits | 9.4221% | 5,870 |
| Net loans and leases to core deposits | 9.9653% | 5,861 |
| Total domestic deposits to total assets | 93.0843% | 37 |
| Equity capital to assets | 6.6733% | 5,822 |
| Core capital (leverage) ratio | 7.0232% | 5,811 |
| Tier 1 risk-based capital ratio | 19.8247% | 1,412 |
| Total risk-based capital ratio | 19.8681% | 1,665 |
| Memoranda: | ||
| Average total assets | $156,173,600,000 | 14 |
| Average earning assets | $155,296,200,000 | 14 |
| Average equity | $10,509,200,000 | 29 |
| Average total loans | $14,766,800,000 | 70 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7440% | 5,927 |
| Cost of funding earning assets | 0.0284% | 5,928 |
| Net interest margin | 1.7157% | 5,906 |
| Noninterest income to average assets | 0.0925% | 5,737 |
| Noninterest expense to average assets | 0.3102% | 5,970 |
| Loan and lease loss provision to assets | -0.0044% | 5,632 |
| Net operating income to assets | 0.9395% | 2,706 |
| Return on assets (ROA) | 0.9412% | 2,828 |
| Pretax return on assets | 1.4956% | 1,720 |
| Return on Equity (ROE) | 13.9536% | 836 |
| Retained earnings to average equity (ytd only) | 13.9536% | 175 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.2464% | 5,968 |
| Assets per employee ($millions) | 280.4465% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1680% | 5,900 |
| Loan loss allowance to noncurrent loans | 89.2857% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 5,431 |
| Noncurrent loans to loans | 0.1882% | 4,593 |
| Net loans and leases to total assets | 8.9912% | 5,936 |
| Net loans and leases to deposits | 9.9219% | 5,939 |
| Net loans and leases to core deposits | 10.0586% | 5,930 |
| Total domestic deposits to total assets | 90.6201% | 292 |
| Equity capital to assets | 6.7652% | 5,905 |
| Core capital (leverage) ratio | 7.0430% | 5,877 |
| Tier 1 risk-based capital ratio | 18.8458% | 1,709 |
| Total risk-based capital ratio | 18.8898% | 1,990 |
| Memoranda: | ||
| Average total assets | $151,288,250,000 | 14 |
| Average earning assets | $150,454,250,000 | 14 |
| Average equity | $10,205,000,000 | 28 |
| Average total loans | $14,599,500,000 | 70 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7553% | 6,008 |
| Cost of funding earning assets | 0.0261% | 6,011 |
| Net interest margin | 1.7292% | 5,987 |
| Noninterest income to average assets | 0.0832% | 5,833 |
| Noninterest expense to average assets | 0.3082% | 6,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9397% | 2,676 |
| Return on assets (ROA) | 0.9423% | 2,804 |
| Pretax return on assets | 1.4987% | 1,674 |
| Return on Equity (ROE) | 13.9855% | 832 |
| Retained earnings to average equity (ytd only) | 13.9855% | 189 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.0953% | 6,045 |
| Assets per employee ($millions) | 265.7375% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2043% | 5,972 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 5,505 |
| Noncurrent loans to loans | 0.1839% | 4,698 |
| Net loans and leases to total assets | 9.5241% | 6,009 |
| Net loans and leases to deposits | 10.6691% | 6,015 |
| Net loans and leases to core deposits | 10.8128% | 6,008 |
| Total domestic deposits to total assets | 89.2683% | 774 |
| Equity capital to assets | 6.8542% | 5,971 |
| Core capital (leverage) ratio | 7.0783% | 5,942 |
| Tier 1 risk-based capital ratio | 18.8767% | 1,719 |
| Total risk-based capital ratio | 18.9321% | 1,977 |
| Memoranda: | ||
| Average total assets | $146,656,666,670 | 14 |
| Average earning assets | $145,847,666,670 | 14 |
| Average equity | $9,881,666,670 | 30 |
| Average total loans | $14,507,000,000 | 72 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7627% | 6,071 |
| Cost of funding earning assets | 0.0225% | 6,075 |
| Net interest margin | 1.7402% | 6,051 |
| Noninterest income to average assets | 0.0811% | 5,882 |
| Noninterest expense to average assets | 0.3076% | 6,111 |
| Loan and lease loss provision to assets | 0.0056% | 3,602 |
| Net operating income to assets | 0.9423% | 2,548 |
| Return on assets (ROA) | 0.9423% | 2,663 |
| Pretax return on assets | 1.4987% | 1,590 |
| Return on Equity (ROE) | 14.1159% | 812 |
| Retained earnings to average equity (ytd only) | 14.1159% | 312 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.9753% | 6,106 |
| Assets per employee ($millions) | 258.4165% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2215% | 6,033 |
| Loan loss allowance to noncurrent loans | 106.6667% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 5,536 |
| Noncurrent loans to loans | 0.2076% | 4,680 |
| Net loans and leases to total assets | 9.8042% | 6,071 |
| Net loans and leases to deposits | 10.6193% | 6,076 |
| Net loans and leases to core deposits | 10.7509% | 6,066 |
| Total domestic deposits to total assets | 92.3245% | 80 |
| Equity capital to assets | 6.7383% | 6,026 |
| Core capital (leverage) ratio | 7.0523% | 5,996 |
| Tier 1 risk-based capital ratio | 18.6327% | 1,817 |
| Total risk-based capital ratio | 18.6940% | 2,107 |
| Memoranda: | ||
| Average total assets | $143,054,000,000 | 15 |
| Average earning assets | $142,279,000,000 | 14 |
| Average equity | $9,549,500,000 | 30 |
| Average total loans | $14,418,500,000 | 72 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5952% | 6,119 |
| Cost of funding earning assets | 0.0235% | 6,139 |
| Net interest margin | 1.5717% | 6,104 |
| Noninterest income to average assets | 0.1693% | 5,566 |
| Noninterest expense to average assets | 0.3355% | 6,170 |
| Loan and lease loss provision to assets | -0.0097% | 5,622 |
| Net operating income to assets | 0.8847% | 2,955 |
| Return on assets (ROA) | 0.8847% | 3,040 |
| Pretax return on assets | 1.4080% | 1,870 |
| Return on Equity (ROE) | 12.8079% | 1,098 |
| Retained earnings to average equity (ytd only) | 12.8079% | 216 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.3488% | 6,166 |
| Assets per employee ($millions) | 236.1104% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2085% | 6,086 |
| Loan loss allowance to noncurrent loans | 111.1111% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,593 |
| Noncurrent loans to loans | 0.1876% | 4,733 |
| Net loans and leases to total assets | 10.3251% | 6,130 |
| Net loans and leases to deposits | 11.0826% | 6,135 |
| Net loans and leases to core deposits | 11.2231% | 6,126 |
| Total domestic deposits to total assets | 93.1653% | 46 |
| Equity capital to assets | 6.6089% | 6,089 |
| Core capital (leverage) ratio | 7.0622% | 6,045 |
| Tier 1 risk-based capital ratio | 18.0798% | 1,940 |
| Total risk-based capital ratio | 18.1400% | 2,272 |
| Memoranda: | ||
| Average total assets | $124,003,600,000 | 18 |
| Average earning assets | $123,435,200,000 | 15 |
| Average equity | $8,565,000,000 | 31 |
| Average total loans | $13,990,400,000 | 70 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5872% | 6,217 |
| Cost of funding earning assets | 0.0245% | 6,221 |
| Net interest margin | 1.5627% | 6,199 |
| Noninterest income to average assets | 0.1342% | 5,813 |
| Noninterest expense to average assets | 0.3415% | 6,260 |
| Loan and lease loss provision to assets | -0.0133% | 5,828 |
| Net operating income to assets | 0.8472% | 3,180 |
| Return on assets (ROA) | 0.8472% | 3,270 |
| Pretax return on assets | 1.3617% | 2,173 |
| Return on Equity (ROE) | 12.1144% | 1,345 |
| Retained earnings to average equity (ytd only) | 12.1144% | 354 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.2100% | 6,251 |
| Assets per employee ($millions) | 218.4414% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2098% | 6,173 |
| Loan loss allowance to noncurrent loans | 107.1429% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 5,676 |
| Noncurrent loans to loans | 0.1958% | 4,863 |
| Net loans and leases to total assets | 11.0926% | 6,215 |
| Net loans and leases to deposits | 11.9814% | 6,220 |
| Net loans and leases to core deposits | 12.1328% | 6,211 |
| Total domestic deposits to total assets | 92.5821% | 57 |
| Equity capital to assets | 6.8839% | 6,160 |
| Core capital (leverage) ratio | 7.0676% | 6,120 |
| Tier 1 risk-based capital ratio | 17.7142% | 2,113 |
| Total risk-based capital ratio | 17.7764% | 2,521 |
| Memoranda: | ||
| Average total assets | $120,237,250,000 | 19 |
| Average earning assets | $119,706,500,000 | 17 |
| Average equity | $8,408,500,000 | 31 |
| Average total loans | $13,890,750,000 | 70 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5928% | 6,293 |
| Cost of funding earning assets | 0.0257% | 6,297 |
| Net interest margin | 1.5671% | 6,275 |
| Noninterest income to average assets | 0.1414% | 5,859 |
| Noninterest expense to average assets | 0.3491% | 6,334 |
| Loan and lease loss provision to assets | -0.0119% | 5,964 |
| Net operating income to assets | 0.8499% | 3,128 |
| Return on assets (ROA) | 0.8499% | 3,229 |
| Pretax return on assets | 1.3642% | 2,129 |
| Return on Equity (ROE) | 12.0838% | 1,344 |
| Retained earnings to average equity (ytd only) | 12.0838% | 385 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.5205% | 6,326 |
| Assets per employee ($millions) | 220.5586% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2487% | 6,233 |
| Loan loss allowance to noncurrent loans | 112.9032% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 5,740 |
| Noncurrent loans to loans | 0.2203% | 4,901 |
| Net loans and leases to total assets | 11.4688% | 6,287 |
| Net loans and leases to deposits | 12.4154% | 6,292 |
| Net loans and leases to core deposits | 12.5625% | 6,281 |
| Total domestic deposits to total assets | 92.3756% | 94 |
| Equity capital to assets | 6.9839% | 6,196 |
| Core capital (leverage) ratio | 7.0151% | 6,188 |
| Tier 1 risk-based capital ratio | 17.7079% | 2,154 |
| Total risk-based capital ratio | 17.7841% | 2,546 |
| Memoranda: | ||
| Average total assets | $117,429,000,000 | 19 |
| Average earning assets | $116,903,666,670 | 17 |
| Average equity | $8,259,000,000 | 31 |
| Average total loans | $13,753,666,670 | 72 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5908% | 6,359 |
| Cost of funding earning assets | 0.0280% | 6,367 |
| Net interest margin | 1.5628% | 6,336 |
| Noninterest income to average assets | 0.1148% | 6,019 |
| Noninterest expense to average assets | 0.3515% | 6,408 |
| Loan and lease loss provision to assets | -0.0139% | 6,110 |
| Net operating income to assets | 0.8317% | 3,102 |
| Return on assets (ROA) | 0.8317% | 3,231 |
| Pretax return on assets | 1.3329% | 2,141 |
| Return on Equity (ROE) | 11.7821% | 1,402 |
| Retained earnings to average equity (ytd only) | 11.7821% | 597 |
| Net charge-offs to loans | 0.0294% | 2,592 |
| Credit loss provision to net charge-offs | -400.0000% | 4,769 |
| Earnings coverage of net charge-offs (x) | 379.0000% | 148 |
| Efficiency ratio | 21.0417% | 6,394 |
| Assets per employee ($millions) | 217.2143% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2703% | 6,304 |
| Loan loss allowance to noncurrent loans | 119.3548% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.0337% | 5,804 |
| Noncurrent loans to loans | 0.2265% | 4,959 |
| Net loans and leases to total assets | 11.5094% | 6,360 |
| Net loans and leases to deposits | 12.4586% | 6,366 |
| Net loans and leases to core deposits | 12.5876% | 6,357 |
| Total domestic deposits to total assets | 92.3810% | 109 |
| Equity capital to assets | 7.0372% | 6,257 |
| Core capital (leverage) ratio | 7.0692% | 6,230 |
| Tier 1 risk-based capital ratio | 17.9117% | 2,169 |
| Total risk-based capital ratio | 17.9980% | 2,532 |
| Memoranda: | ||
| Average total assets | $114,938,500,000 | 19 |
| Average earning assets | $114,409,500,000 | 17 |
| Average equity | $8,114,000,000 | 31 |
| Average total loans | $13,593,500,000 | 72 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6759% | 6,442 |
| Cost of funding earning assets | 0.0288% | 6,457 |
| Net interest margin | 1.6471% | 6,420 |
| Noninterest income to average assets | 0.1527% | 5,931 |
| Noninterest expense to average assets | 0.3647% | 6,491 |
| Loan and lease loss provision to assets | -0.0038% | 5,890 |
| Net operating income to assets | 0.8995% | 2,872 |
| Return on assets (ROA) | 0.9031% | 2,945 |
| Pretax return on assets | 1.4377% | 1,760 |
| Return on Equity (ROE) | 12.8865% | 1,168 |
| Retained earnings to average equity (ytd only) | 12.2735% | 277 |
| Net charge-offs to loans | 0.0154% | 4,571 |
| Credit loss provision to net charge-offs | -200.0000% | 5,624 |
| Earnings coverage of net charge-offs (x) | 748.0000% | 61 |
| Efficiency ratio | 20.3408% | 6,492 |
| Assets per employee ($millions) | 215.5775% | 8 |
| Cash dividends to net income (ytd only)* | 4.7569% | 4,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3111% | 6,379 |
| Loan loss allowance to noncurrent loans | 120.0000% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 5,879 |
| Noncurrent loans to loans | 0.2593% | 4,910 |
| Net loans and leases to total assets | 12.0984% | 6,441 |
| Net loans and leases to deposits | 13.0806% | 6,452 |
| Net loans and leases to core deposits | 13.2097% | 6,443 |
| Total domestic deposits to total assets | 92.4909% | 99 |
| Equity capital to assets | 7.0857% | 6,316 |
| Core capital (leverage) ratio | 6.9396% | 6,323 |
| Tier 1 risk-based capital ratio | 22.0529% | 1,216 |
| Total risk-based capital ratio | 22.1789% | 1,391 |
| Memoranda: | ||
| Average total assets | $104,747,400,000 | 21 |
| Average earning assets | $104,304,800,000 | 17 |
| Average equity | $7,341,000,000 | 31 |
| Average total loans | $12,979,200,000 | 69 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6958% | 6,521 |
| Cost of funding earning assets | 0.0286% | 6,541 |
| Net interest margin | 1.6672% | 6,497 |
| Noninterest income to average assets | 0.1267% | 6,133 |
| Noninterest expense to average assets | 0.3698% | 6,574 |
| Loan and lease loss provision to assets | -0.0091% | 6,087 |
| Net operating income to assets | 0.8891% | 2,962 |
| Return on assets (ROA) | 0.8999% | 3,009 |
| Pretax return on assets | 1.4429% | 1,837 |
| Return on Equity (ROE) | 12.8783% | 1,246 |
| Retained earnings to average equity (ytd only) | 12.0456% | 413 |
| Net charge-offs to loans | 0.0104% | 4,374 |
| Credit loss provision to net charge-offs | -700.0000% | 5,816 |
| Earnings coverage of net charge-offs (x) | 1,096.0000% | 60 |
| Efficiency ratio | 20.6946% | 6,572 |
| Assets per employee ($millions) | 214.1684% | 9 |
| Cash dividends to net income (ytd only)* | 6.4655% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3041% | 6,466 |
| Loan loss allowance to noncurrent loans | 102.5641% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 5,986 |
| Noncurrent loans to loans | 0.2965% | 5,018 |
| Net loans and leases to total assets | 12.4203% | 6,521 |
| Net loans and leases to deposits | 13.4661% | 6,527 |
| Net loans and leases to core deposits | 13.6053% | 6,518 |
| Total domestic deposits to total assets | 92.2337% | 129 |
| Equity capital to assets | 7.2274% | 6,352 |
| Core capital (leverage) ratio | 7.0746% | 6,372 |
| Tier 1 risk-based capital ratio | 21.6841% | 1,310 |
| Total risk-based capital ratio | 21.8035% | 1,505 |
| Memoranda: | ||
| Average total assets | $103,124,750,000 | 22 |
| Average earning assets | $102,682,250,000 | 18 |
| Average equity | $7,205,750,000 | 34 |
| Average total loans | $12,849,000,000 | 70 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7024% | 6,591 |
| Cost of funding earning assets | 0.0295% | 6,604 |
| Net interest margin | 1.6729% | 6,566 |
| Noninterest income to average assets | 0.1290% | 6,166 |
| Noninterest expense to average assets | 0.3636% | 6,637 |
| Loan and lease loss provision to assets | -0.0117% | 6,235 |
| Net operating income to assets | 0.9007% | 2,797 |
| Return on assets (ROA) | 0.9032% | 2,887 |
| Pretax return on assets | 1.4467% | 1,727 |
| Return on Equity (ROE) | 13.0804% | 1,155 |
| Retained earnings to average equity (ytd only) | 13.0804% | 332 |
| Net charge-offs to loans | 0.0157% | 3,916 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | 732.0000% | 91 |
| Efficiency ratio | 20.2614% | 6,640 |
| Assets per employee ($millions) | 220.6426% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3159% | 6,532 |
| Loan loss allowance to noncurrent loans | 110.8108% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 6,068 |
| Noncurrent loans to loans | 0.2851% | 5,166 |
| Net loans and leases to total assets | 12.4742% | 6,583 |
| Net loans and leases to deposits | 13.5130% | 6,594 |
| Net loans and leases to core deposits | 13.6574% | 6,586 |
| Total domestic deposits to total assets | 92.3126% | 135 |
| Equity capital to assets | 7.1985% | 6,413 |
| Core capital (leverage) ratio | 7.0231% | 6,424 |
| Tier 1 risk-based capital ratio | 20.4984% | 1,568 |
| Total risk-based capital ratio | 20.6170% | 1,801 |
| Memoranda: | ||
| Average total assets | $102,304,666,670 | 22 |
| Average earning assets | $101,856,333,330 | 18 |
| Average equity | $7,064,000,000 | 34 |
| Average total loans | $12,747,333,330 | 70 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7004% | 6,666 |
| Cost of funding earning assets | 0.0277% | 6,680 |
| Net interest margin | 1.6727% | 6,640 |
| Noninterest income to average assets | 0.1260% | 6,218 |
| Noninterest expense to average assets | 0.3661% | 6,717 |
| Loan and lease loss provision to assets | 0.0039% | 3,770 |
| Net operating income to assets | 0.8911% | 2,696 |
| Return on assets (ROA) | 0.8936% | 2,746 |
| Pretax return on assets | 1.4251% | 1,658 |
| Return on Equity (ROE) | 13.2294% | 1,102 |
| Retained earnings to average equity (ytd only) | 13.2294% | 459 |
| Net charge-offs to loans | 0.0633% | 2,522 |
| Credit loss provision to net charge-offs | 50.0000% | 2,203 |
| Earnings coverage of net charge-offs (x) | 181.0000% | 273 |
| Efficiency ratio | 20.4396% | 6,709 |
| Assets per employee ($millions) | 219.3949% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3695% | 6,576 |
| Loan loss allowance to noncurrent loans | 117.5000% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 0.0445% | 6,154 |
| Noncurrent loans to loans | 0.3144% | 5,163 |
| Net loans and leases to total assets | 12.2650% | 6,658 |
| Net loans and leases to deposits | 13.2515% | 6,665 |
| Net loans and leases to core deposits | 13.3951% | 6,658 |
| Total domestic deposits to total assets | 92.5553% | 161 |
| Equity capital to assets | 6.9202% | 6,466 |
| Core capital (leverage) ratio | 6.8117% | 6,506 |
| Tier 1 risk-based capital ratio | 20.1349% | 1,688 |
| Total risk-based capital ratio | 20.2725% | 1,925 |
| Memoranda: | ||
| Average total assets | $101,606,000,000 | 22 |
| Average earning assets | $101,155,000,000 | 19 |
| Average equity | $6,863,500,000 | 34 |
| Average total loans | $12,632,500,000 | 68 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6414% | 6,738 |
| Cost of funding earning assets | 0.0347% | 6,761 |
| Net interest margin | 1.6066% | 6,709 |
| Noninterest income to average assets | 0.1284% | 6,285 |
| Noninterest expense to average assets | 0.3668% | 6,794 |
| Loan and lease loss provision to assets | -0.0011% | 6,243 |
| Net operating income to assets | 0.8460% | 3,061 |
| Return on assets (ROA) | 0.8426% | 3,153 |
| Pretax return on assets | 1.3550% | 1,948 |
| Return on Equity (ROE) | 12.5405% | 1,266 |
| Retained earnings to average equity (ytd only) | 9.9232% | 573 |
| Net charge-offs to loans | 0.0595% | 4,388 |
| Credit loss provision to net charge-offs | -14.2857% | 5,697 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 255 |
| Efficiency ratio | 21.2500% | 6,790 |
| Assets per employee ($millions) | 208.5115% | 10 |
| Cash dividends to net income (ytd only)* | 20.8707% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3827% | 6,649 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 6,211 |
| Noncurrent loans to loans | 0.3827% | 5,046 |
| Net loans and leases to total assets | 12.5114% | 6,738 |
| Net loans and leases to deposits | 13.4314% | 6,746 |
| Net loans and leases to core deposits | 13.5835% | 6,740 |
| Total domestic deposits to total assets | 93.1506% | 125 |
| Equity capital to assets | 6.5841% | 6,557 |
| Core capital (leverage) ratio | 6.5598% | 6,587 |
| Tier 1 risk-based capital ratio | 18.9460% | 1,942 |
| Total risk-based capital ratio | 19.0877% | 2,264 |
| Memoranda: | ||
| Average total assets | $92,690,600,000 | 24 |
| Average earning assets | $92,180,200,000 | 18 |
| Average equity | $6,227,800,000 | 36 |
| Average total loans | $11,767,600,000 | 70 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6199% | 6,824 |
| Cost of funding earning assets | 0.0369% | 6,840 |
| Net interest margin | 1.5830% | 6,798 |
| Noninterest income to average assets | 0.1262% | 6,389 |
| Noninterest expense to average assets | 0.3697% | 6,872 |
| Loan and lease loss provision to assets | 0.0015% | 4,926 |
| Net operating income to assets | 0.8291% | 3,199 |
| Return on assets (ROA) | 0.8244% | 3,348 |
| Pretax return on assets | 1.3217% | 2,252 |
| Return on Equity (ROE) | 12.2023% | 1,417 |
| Retained earnings to average equity (ytd only) | 8.9889% | 1,061 |
| Net charge-offs to loans | 0.0576% | 4,082 |
| Credit loss provision to net charge-offs | 20.0000% | 4,075 |
| Earnings coverage of net charge-offs (x) | 181.4000% | 317 |
| Efficiency ratio | 21.7429% | 6,867 |
| Assets per employee ($millions) | 214.6140% | 11 |
| Cash dividends to net income (ytd only)* | 26.3345% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4254% | 6,706 |
| Loan loss allowance to noncurrent loans | 113.0435% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 6,310 |
| Noncurrent loans to loans | 0.3763% | 5,272 |
| Net loans and leases to total assets | 12.4366% | 6,820 |
| Net loans and leases to deposits | 13.3397% | 6,826 |
| Net loans and leases to core deposits | 13.4941% | 6,821 |
| Total domestic deposits to total assets | 93.2304% | 111 |
| Equity capital to assets | 6.5479% | 6,637 |
| Core capital (leverage) ratio | 6.4895% | 6,669 |
| Tier 1 risk-based capital ratio | 18.5429% | 2,126 |
| Total risk-based capital ratio | 18.6978% | 2,501 |
| Memoranda: | ||
| Average total assets | $90,894,000,000 | 24 |
| Average earning assets | $90,376,250,000 | 18 |
| Average equity | $6,140,750,000 | 36 |
| Average total loans | $11,573,500,000 | 69 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6020% | 6,873 |
| Cost of funding earning assets | 0.0386% | 6,891 |
| Net interest margin | 1.5634% | 6,848 |
| Noninterest income to average assets | 0.1197% | 6,453 |
| Noninterest expense to average assets | 0.3748% | 6,923 |
| Loan and lease loss provision to assets | 0.0113% | 4,647 |
| Net operating income to assets | 0.8013% | 3,291 |
| Return on assets (ROA) | 0.7926% | 3,494 |
| Pretax return on assets | 1.2736% | 2,393 |
| Return on Equity (ROE) | 11.6001% | 1,599 |
| Retained earnings to average equity (ytd only) | 8.4274% | 1,321 |
| Net charge-offs to loans | 0.0704% | 3,704 |
| Credit loss provision to net charge-offs | 125.0000% | 1,800 |
| Earnings coverage of net charge-offs (x) | 143.7500% | 345 |
| Efficiency ratio | 22.4022% | 6,911 |
| Assets per employee ($millions) | 200.3106% | 11 |
| Cash dividends to net income (ytd only)* | 27.3504% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4820% | 6,719 |
| Loan loss allowance to noncurrent loans | 132.5581% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 6,354 |
| Noncurrent loans to loans | 0.3636% | 5,365 |
| Net loans and leases to total assets | 12.9403% | 6,863 |
| Net loans and leases to deposits | 13.9451% | 6,876 |
| Net loans and leases to core deposits | 14.1169% | 6,869 |
| Total domestic deposits to total assets | 92.7942% | 145 |
| Equity capital to assets | 6.5768% | 6,671 |
| Core capital (leverage) ratio | 6.5563% | 6,691 |
| Tier 1 risk-based capital ratio | 18.6293% | 2,104 |
| Total risk-based capital ratio | 18.8137% | 2,456 |
| Memoranda: | ||
| Average total assets | $88,570,666,670 | 24 |
| Average earning assets | $88,015,666,670 | 19 |
| Average equity | $6,051,666,670 | 36 |
| Average total loans | $11,357,000,000 | 68 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6314% | 6,953 |
| Cost of funding earning assets | 0.0461% | 6,966 |
| Net interest margin | 1.5853% | 6,926 |
| Noninterest income to average assets | 0.1282% | 6,453 |
| Noninterest expense to average assets | 0.3753% | 7,004 |
| Loan and lease loss provision to assets | 0.0275% | 4,122 |
| Net operating income to assets | 0.8082% | 3,110 |
| Return on assets (ROA) | 0.7965% | 3,317 |
| Pretax return on assets | 1.2817% | 2,291 |
| Return on Equity (ROE) | 11.4342% | 1,581 |
| Retained earnings to average equity (ytd only) | 8.4771% | 1,570 |
| Net charge-offs to loans | 0.1079% | 2,794 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 392 |
| Efficiency ratio | 22.0430% | 6,987 |
| Assets per employee ($millions) | 194.6630% | 13 |
| Cash dividends to net income (ytd only)* | 25.8621% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5200% | 6,774 |
| Loan loss allowance to noncurrent loans | 140.4762% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 6,449 |
| Noncurrent loans to loans | 0.3701% | 5,477 |
| Net loans and leases to total assets | 12.6887% | 6,938 |
| Net loans and leases to deposits | 13.6886% | 6,950 |
| Net loans and leases to core deposits | 13.8571% | 6,941 |
| Total domestic deposits to total assets | 92.6957% | 153 |
| Equity capital to assets | 6.9154% | 6,729 |
| Core capital (leverage) ratio | 6.5973% | 6,730 |
| Tier 1 risk-based capital ratio | 18.5386% | 2,174 |
| Total risk-based capital ratio | 18.7292% | 2,527 |
| Memoranda: | ||
| Average total assets | $87,385,500,000 | 24 |
| Average earning assets | $86,797,000,000 | 19 |
| Average equity | $6,087,000,000 | 36 |
| Average total loans | $11,123,000,000 | 68 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7899% | 7,004 |
| Cost of funding earning assets | 0.0576% | 7,029 |
| Net interest margin | 1.7322% | 6,971 |
| Noninterest income to average assets | 0.1512% | 6,282 |
| Noninterest expense to average assets | 0.4181% | 7,048 |
| Loan and lease loss provision to assets | 0.0204% | 5,648 |
| Net operating income to assets | 0.8876% | 2,879 |
| Return on assets (ROA) | 0.8893% | 3,110 |
| Pretax return on assets | 1.4341% | 1,923 |
| Return on Equity (ROE) | 11.7480% | 1,577 |
| Retained earnings to average equity (ytd only) | 10.8485% | 453 |
| Net charge-offs to loans | 0.1376% | 4,314 |
| Credit loss provision to net charge-offs | 107.1429% | 2,764 |
| Earnings coverage of net charge-offs (x) | 76.1429% | 499 |
| Efficiency ratio | 22.3598% | 7,046 |
| Assets per employee ($millions) | 196.3616% | 14 |
| Cash dividends to net income (ytd only)* | 7.6570% | 4,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4771% | 6,854 |
| Loan loss allowance to noncurrent loans | 115.5556% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 6,477 |
| Noncurrent loans to loans | 0.4129% | 5,451 |
| Net loans and leases to total assets | 12.6407% | 6,999 |
| Net loans and leases to deposits | 13.6540% | 7,007 |
| Net loans and leases to core deposits | 13.8337% | 6,998 |
| Total domestic deposits to total assets | 92.5790% | 169 |
| Equity capital to assets | 7.0178% | 6,770 |
| Core capital (leverage) ratio | 6.6896% | 6,762 |
| Tier 1 risk-based capital ratio | 20.0352% | 1,668 |
| Total risk-based capital ratio | 20.2212% | 1,937 |
| Memoranda: | ||
| Average total assets | $73,425,906,200 | 28 |
| Average earning assets | $72,853,910,200 | 25 |
| Average equity | $5,558,394,400 | 37 |
| Average total loans | $10,171,203,200 | 77 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8883% | 7,112 |
| Cost of funding earning assets | 0.0592% | 7,137 |
| Net interest margin | 1.8290% | 7,070 |
| Noninterest income to average assets | 0.1555% | 6,371 |
| Noninterest expense to average assets | 0.4341% | 7,160 |
| Loan and lease loss provision to assets | 0.0246% | 5,479 |
| Net operating income to assets | 0.9415% | 2,790 |
| Return on assets (ROA) | 0.9100% | 3,166 |
| Pretax return on assets | 1.4616% | 2,034 |
| Return on Equity (ROE) | 11.7590% | 1,721 |
| Retained earnings to average equity (ytd only) | 11.7590% | 573 |
| Net charge-offs to loans | 0.1468% | 3,932 |
| Credit loss provision to net charge-offs | 118.1818% | 2,450 |
| Earnings coverage of net charge-offs (x) | 73.6364% | 565 |
| Efficiency ratio | 22.0404% | 7,145 |
| Assets per employee ($millions) | 176.0304% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5195% | 6,940 |
| Loan loss allowance to noncurrent loans | 120.4545% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 6,584 |
| Noncurrent loans to loans | 0.4312% | 5,584 |
| Net loans and leases to total assets | 13.4721% | 7,094 |
| Net loans and leases to deposits | 14.7551% | 7,109 |
| Net loans and leases to core deposits | 14.7553% | 7,103 |
| Total domestic deposits to total assets | 91.3049% | 329 |
| Equity capital to assets | 7.8483% | 6,667 |
| Core capital (leverage) ratio | 7.4628% | 6,639 |
| Tier 1 risk-based capital ratio | 21.6592% | 1,391 |
| Total risk-based capital ratio | 21.8725% | 1,583 |
| Memoranda: | ||
| Average total assets | $70,329,882,750 | 30 |
| Average earning assets | $69,762,387,750 | 27 |
| Average equity | $5,442,493,000 | 38 |
| Average total loans | $9,989,254,000 | 78 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9565% | 7,179 |
| Cost of funding earning assets | 0.0588% | 7,203 |
| Net interest margin | 1.8977% | 7,132 |
| Noninterest income to average assets | 0.1602% | 6,386 |
| Noninterest expense to average assets | 0.4340% | 7,221 |
| Loan and lease loss provision to assets | 0.0087% | 5,545 |
| Net operating income to assets | 0.9973% | 2,477 |
| Return on assets (ROA) | 0.9525% | 2,905 |
| Pretax return on assets | 1.5293% | 1,780 |
| Return on Equity (ROE) | 12.3731% | 1,550 |
| Retained earnings to average equity (ytd only) | 12.3731% | 522 |
| Net charge-offs to loans | 0.1412% | 3,788 |
| Credit loss provision to net charge-offs | 42.8571% | 4,195 |
| Earnings coverage of net charge-offs (x) | 78.8571% | 514 |
| Efficiency ratio | 21.2553% | 7,208 |
| Assets per employee ($millions) | 168.1958% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4732% | 7,038 |
| Loan loss allowance to noncurrent loans | 106.8182% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 6,648 |
| Noncurrent loans to loans | 0.4430% | 5,652 |
| Net loans and leases to total assets | 13.6995% | 7,157 |
| Net loans and leases to deposits | 14.9131% | 7,170 |
| Net loans and leases to core deposits | 14.9133% | 7,166 |
| Total domestic deposits to total assets | 91.8621% | 245 |
| Equity capital to assets | 7.7637% | 6,687 |
| Core capital (leverage) ratio | 7.5543% | 6,601 |
| Tier 1 risk-based capital ratio | 22.0569% | 1,282 |
| Total risk-based capital ratio | 22.2518% | 1,453 |
| Memoranda: | ||
| Average total assets | $68,659,510,330 | 30 |
| Average earning assets | $68,080,850,330 | 27 |
| Average equity | $5,285,657,330 | 39 |
| Average total loans | $9,918,005,330 | 79 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9785% | 7,238 |
| Cost of funding earning assets | 0.0603% | 7,265 |
| Net interest margin | 1.9182% | 7,184 |
| Noninterest income to average assets | 0.1734% | 6,337 |
| Noninterest expense to average assets | 0.4424% | 7,287 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0194% | 2,400 |
| Return on assets (ROA) | 0.9505% | 2,903 |
| Pretax return on assets | 1.5244% | 1,814 |
| Return on Equity (ROE) | 12.4037% | 1,552 |
| Retained earnings to average equity (ytd only) | 12.4037% | 767 |
| Net charge-offs to loans | 0.1614% | 3,121 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 68.2500% | 496 |
| Efficiency ratio | 21.3256% | 7,272 |
| Assets per employee ($millions) | 163.6691% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4746% | 7,087 |
| Loan loss allowance to noncurrent loans | 106.8182% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 6,704 |
| Noncurrent loans to loans | 0.4443% | 5,785 |
| Net loans and leases to total assets | 14.5457% | 7,205 |
| Net loans and leases to deposits | 15.8230% | 7,226 |
| Net loans and leases to core deposits | 15.8233% | 7,223 |
| Total domestic deposits to total assets | 91.9273% | 275 |
| Equity capital to assets | 7.7421% | 6,666 |
| Core capital (leverage) ratio | 7.6205% | 6,558 |
| Tier 1 risk-based capital ratio | 23.6917% | 1,044 |
| Total risk-based capital ratio | 23.9124% | 1,160 |
| Memoranda: | ||
| Average total assets | $66,911,265,500 | 31 |
| Average earning assets | $66,311,275,500 | 28 |
| Average equity | $5,127,486,000 | 39 |
| Average total loans | $9,911,008,000 | 76 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1927% | 7,275 |
| Cost of funding earning assets | 0.1065% | 7,303 |
| Net interest margin | 2.0863% | 7,205 |
| Noninterest income to average assets | 0.2048% | 6,040 |
| Noninterest expense to average assets | 0.4810% | 7,329 |
| Loan and lease loss provision to assets | 0.0305% | 6,188 |
| Net operating income to assets | 1.1030% | 1,816 |
| Return on assets (ROA) | 1.0707% | 2,060 |
| Pretax return on assets | 1.7077% | 972 |
| Return on Equity (ROE) | 13.9173% | 949 |
| Retained earnings to average equity (ytd only) | 10.5864% | 463 |
| Net charge-offs to loans | 0.1910% | 4,615 |
| Credit loss provision to net charge-offs | 98.6809% | 3,638 |
| Earnings coverage of net charge-offs (x) | 57.7870% | 495 |
| Efficiency ratio | 21.1193% | 7,329 |
| Assets per employee ($millions) | 153.9942% | 19 |
| Cash dividends to net income (ytd only)* | 23.9339% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5136% | 7,097 |
| Loan loss allowance to noncurrent loans | 103.3496% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 6,751 |
| Noncurrent loans to loans | 0.4969% | 5,716 |
| Net loans and leases to total assets | 14.9373% | 7,263 |
| Net loans and leases to deposits | 16.2090% | 7,278 |
| Net loans and leases to core deposits | 16.2092% | 7,271 |
| Total domestic deposits to total assets | 92.1539% | 219 |
| Equity capital to assets | 7.5821% | 6,776 |
| Core capital (leverage) ratio | 7.5473% | 6,624 |
| Tier 1 risk-based capital ratio | 23.4412% | 1,040 |
| Total risk-based capital ratio | 23.6852% | 1,149 |
| Memoranda: | ||
| Average total assets | $58,534,346,600 | 33 |
| Average earning assets | $57,937,468,600 | 31 |
| Average equity | $4,503,195,800 | 41 |
| Average total loans | $9,487,510,200 | 76 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3412% | 7,351 |
| Cost of funding earning assets | 0.1154% | 7,378 |
| Net interest margin | 2.2258% | 7,248 |
| Noninterest income to average assets | 0.2141% | 6,080 |
| Noninterest expense to average assets | 0.4968% | 7,411 |
| Loan and lease loss provision to assets | 0.0297% | 6,066 |
| Net operating income to assets | 1.1681% | 1,752 |
| Return on assets (ROA) | 1.1374% | 1,974 |
| Pretax return on assets | 1.8425% | 872 |
| Return on Equity (ROE) | 14.7221% | 888 |
| Retained earnings to average equity (ytd only) | 10.1527% | 803 |
| Net charge-offs to loans | 0.1966% | 4,228 |
| Credit loss provision to net charge-offs | 91.3232% | 3,730 |
| Earnings coverage of net charge-offs (x) | 58.9946% | 561 |
| Efficiency ratio | 20.4843% | 7,401 |
| Assets per employee ($millions) | 137.8534% | 20 |
| Cash dividends to net income (ytd only)* | 31.0382% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5090% | 7,162 |
| Loan loss allowance to noncurrent loans | 109.0871% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 6,838 |
| Noncurrent loans to loans | 0.4666% | 5,910 |
| Net loans and leases to total assets | 16.5598% | 7,329 |
| Net loans and leases to deposits | 18.0587% | 7,343 |
| Net loans and leases to core deposits | 18.0587% | 7,339 |
| Total domestic deposits to total assets | 91.6999% | 263 |
| Equity capital to assets | 7.7328% | 6,832 |
| Core capital (leverage) ratio | 7.6248% | 6,683 |
| Tier 1 risk-based capital ratio | 22.9790% | 1,150 |
| Total risk-based capital ratio | 23.2397% | 1,265 |
| Memoranda: | ||
| Average total assets | $56,652,050,500 | 33 |
| Average earning assets | $56,069,698,000 | 30 |
| Average equity | $4,376,751,750 | 42 |
| Average total loans | $9,379,633,750 | 76 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3816% | 7,429 |
| Cost of funding earning assets | 0.1204% | 7,452 |
| Net interest margin | 2.2612% | 7,293 |
| Noninterest income to average assets | 0.2204% | 6,096 |
| Noninterest expense to average assets | 0.5167% | 7,487 |
| Loan and lease loss provision to assets | 0.0188% | 6,054 |
| Net operating income to assets | 1.1828% | 1,625 |
| Return on assets (ROA) | 1.1636% | 1,761 |
| Pretax return on assets | 1.8926% | 721 |
| Return on Equity (ROE) | 15.0666% | 794 |
| Retained earnings to average equity (ytd only) | 8.1139% | 1,421 |
| Net charge-offs to loans | 0.1913% | 4,010 |
| Credit loss provision to net charge-offs | 59.4858% | 4,350 |
| Earnings coverage of net charge-offs (x) | 61.4251% | 531 |
| Efficiency ratio | 20.9408% | 7,475 |
| Assets per employee ($millions) | 134.4360% | 17 |
| Cash dividends to net income (ytd only)* | 46.1467% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4984% | 7,230 |
| Loan loss allowance to noncurrent loans | 106.9120% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 6,873 |
| Noncurrent loans to loans | 0.4662% | 5,975 |
| Net loans and leases to total assets | 16.7135% | 7,402 |
| Net loans and leases to deposits | 18.1509% | 7,418 |
| Net loans and leases to core deposits | 18.1509% | 7,417 |
| Total domestic deposits to total assets | 92.0807% | 219 |
| Equity capital to assets | 7.7256% | 6,847 |
| Core capital (leverage) ratio | 7.6305% | 6,645 |
| Tier 1 risk-based capital ratio | 23.4127% | 1,073 |
| Total risk-based capital ratio | 23.6766% | 1,171 |
| Memoranda: | ||
| Average total assets | $55,868,979,670 | 33 |
| Average earning assets | $55,286,745,670 | 30 |
| Average equity | $4,314,843,670 | 44 |
| Average total loans | $9,232,678,330 | 83 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3670% | 7,489 |
| Cost of funding earning assets | 0.1231% | 7,517 |
| Net interest margin | 2.2440% | 7,339 |
| Noninterest income to average assets | 0.2336% | 6,045 |
| Noninterest expense to average assets | 0.5523% | 7,549 |
| Loan and lease loss provision to assets | 0.0286% | 5,607 |
| Net operating income to assets | 1.1537% | 1,652 |
| Return on assets (ROA) | 1.1238% | 1,801 |
| Pretax return on assets | 1.8255% | 779 |
| Return on Equity (ROE) | 14.5536% | 896 |
| Retained earnings to average equity (ytd only) | 14.5536% | 431 |
| Net charge-offs to loans | 0.1948% | 3,336 |
| Credit loss provision to net charge-offs | 89.6333% | 2,947 |
| Earnings coverage of net charge-offs (x) | 59.5577% | 498 |
| Efficiency ratio | 22.4266% | 7,526 |
| Assets per employee ($millions) | 131.0230% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5513% | 7,253 |
| Loan loss allowance to noncurrent loans | 104.1388% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 6,909 |
| Noncurrent loans to loans | 0.5294% | 5,966 |
| Net loans and leases to total assets | 16.3926% | 7,464 |
| Net loans and leases to deposits | 17.8408% | 7,480 |
| Net loans and leases to core deposits | 17.8408% | 7,475 |
| Total domestic deposits to total assets | 91.8828% | 319 |
| Equity capital to assets | 7.8159% | 6,666 |
| Core capital (leverage) ratio | 7.7368% | 6,522 |
| Tier 1 risk-based capital ratio | 23.9282% | 981 |
| Total risk-based capital ratio | 24.2170% | 1,073 |
| Memoranda: | ||
| Average total assets | $55,370,246,000 | 34 |
| Average earning assets | $54,767,345,000 | 30 |
| Average equity | $4,275,626,000 | 45 |
| Average total loans | $9,073,038,500 | 83 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3427% | 7,548 |
| Cost of funding earning assets | 0.2153% | 7,545 |
| Net interest margin | 2.1274% | 7,422 |
| Noninterest income to average assets | 0.2605% | 5,932 |
| Noninterest expense to average assets | 0.5174% | 7,611 |
| Loan and lease loss provision to assets | 0.0537% | 6,609 |
| Net operating income to assets | 1.1067% | 1,687 |
| Return on assets (ROA) | 1.0607% | 1,928 |
| Pretax return on assets | 1.7153% | 912 |
| Return on Equity (ROE) | 14.6078% | 772 |
| Retained earnings to average equity (ytd only) | 14.6078% | 139 |
| Net charge-offs to loans | 0.2503% | 4,790 |
| Credit loss provision to net charge-offs | 131.1480% | 3,022 |
| Earnings coverage of net charge-offs (x) | 44.9300% | 514 |
| Efficiency ratio | 21.7707% | 7,619 |
| Assets per employee ($millions) | 158.2845% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5722% | 7,295 |
| Loan loss allowance to noncurrent loans | 104.8660% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 6,993 |
| Noncurrent loans to loans | 0.5456% | 5,958 |
| Net loans and leases to total assets | 16.1940% | 7,552 |
| Net loans and leases to deposits | 17.5716% | 7,570 |
| Net loans and leases to core deposits | 17.5716% | 7,561 |
| Total domestic deposits to total assets | 92.1602% | 248 |
| Equity capital to assets | 7.6263% | 6,798 |
| Core capital (leverage) ratio | 7.5753% | 6,638 |
| Tier 1 risk-based capital ratio | 23.6878% | 962 |
| Total risk-based capital ratio | 23.9838% | 1,054 |
| Memoranda: | ||
| Average total assets | $49,364,602,800 | 37 |
| Average earning assets | $48,676,456,800 | 35 |
| Average equity | $3,584,488,400 | 48 |
| Average total loans | $8,080,062,400 | 88 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3559% | 7,675 |
| Cost of funding earning assets | 0.2385% | 7,658 |
| Net interest margin | 2.1173% | 7,543 |
| Noninterest income to average assets | 0.2632% | 6,013 |
| Noninterest expense to average assets | 0.5556% | 7,729 |
| Loan and lease loss provision to assets | 0.0499% | 6,587 |
| Net operating income to assets | 1.0715% | 2,000 |
| Return on assets (ROA) | 1.0387% | 2,215 |
| Pretax return on assets | 1.6927% | 1,127 |
| Return on Equity (ROE) | 14.5134% | 937 |
| Retained earnings to average equity (ytd only) | 14.5134% | 237 |
| Net charge-offs to loans | 0.2418% | 4,490 |
| Credit loss provision to net charge-offs | 125.8046% | 3,250 |
| Earnings coverage of net charge-offs (x) | 45.2620% | 612 |
| Efficiency ratio | 23.4526% | 7,714 |
| Assets per employee ($millions) | 152.2988% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5847% | 7,369 |
| Loan loss allowance to noncurrent loans | 105.8093% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 7,118 |
| Noncurrent loans to loans | 0.5526% | 6,096 |
| Net loans and leases to total assets | 15.6312% | 7,661 |
| Net loans and leases to deposits | 16.9571% | 7,681 |
| Net loans and leases to core deposits | 16.9571% | 7,670 |
| Total domestic deposits to total assets | 92.1810% | 168 |
| Equity capital to assets | 7.5969% | 7,063 |
| Core capital (leverage) ratio | 7.5640% | 6,802 |
| Tier 1 risk-based capital ratio | 23.6491% | 987 |
| Total risk-based capital ratio | 23.9430% | 1,079 |
| Memoranda: | ||
| Average total assets | $47,974,577,000 | 37 |
| Average earning assets | $47,271,016,000 | 36 |
| Average equity | $3,433,424,250 | 50 |
| Average total loans | $7,863,657,750 | 91 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3785% | 7,754 |
| Cost of funding earning assets | 0.2429% | 7,731 |
| Net interest margin | 2.1355% | 7,604 |
| Noninterest income to average assets | 0.2747% | 5,950 |
| Noninterest expense to average assets | 0.5226% | 7,802 |
| Loan and lease loss provision to assets | 0.0659% | 6,291 |
| Net operating income to assets | 1.0988% | 1,859 |
| Return on assets (ROA) | 1.0545% | 2,072 |
| Pretax return on assets | 1.7198% | 1,028 |
| Return on Equity (ROE) | 15.0884% | 845 |
| Retained earnings to average equity (ytd only) | 15.0884% | 238 |
| Net charge-offs to loans | 0.2899% | 3,884 |
| Credit loss provision to net charge-offs | 136.6216% | 2,932 |
| Earnings coverage of net charge-offs (x) | 38.4384% | 752 |
| Efficiency ratio | 21.7273% | 7,789 |
| Assets per employee ($millions) | 135.2452% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 7,381 |
| Loan loss allowance to noncurrent loans | 132.0230% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 7,183 |
| Noncurrent loans to loans | 0.4732% | 6,306 |
| Net loans and leases to total assets | 15.7985% | 7,727 |
| Net loans and leases to deposits | 17.1282% | 7,746 |
| Net loans and leases to core deposits | 17.1282% | 7,739 |
| Total domestic deposits to total assets | 92.2369% | 184 |
| Equity capital to assets | 7.5112% | 7,107 |
| Core capital (leverage) ratio | 7.6032% | 6,728 |
| Tier 1 risk-based capital ratio | 24.0082% | 941 |
| Total risk-based capital ratio | 24.3306% | 1,036 |
| Memoranda: | ||
| Average total assets | $46,299,442,670 | 37 |
| Average earning assets | $45,588,486,000 | 35 |
| Average equity | $3,235,788,330 | 50 |
| Average total loans | $7,707,123,670 | 92 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3670% | 7,860 |
| Cost of funding earning assets | 0.2841% | 7,825 |
| Net interest margin | 2.0829% | 7,692 |
| Noninterest income to average assets | 0.2820% | 5,887 |
| Noninterest expense to average assets | 0.5703% | 7,905 |
| Loan and lease loss provision to assets | 0.1228% | 5,353 |
| Net operating income to assets | 1.0044% | 2,163 |
| Return on assets (ROA) | 0.9607% | 2,391 |
| Pretax return on assets | 1.5689% | 1,343 |
| Return on Equity (ROE) | 14.3453% | 983 |
| Retained earnings to average equity (ytd only) | 14.3453% | 466 |
| Net charge-offs to loans | 0.3367% | 3,061 |
| Credit loss provision to net charge-offs | 213.7322% | 1,751 |
| Earnings coverage of net charge-offs (x) | 30.6313% | 859 |
| Efficiency ratio | 24.1965% | 7,886 |
| Assets per employee ($millions) | 130.7275% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6828% | 7,368 |
| Loan loss allowance to noncurrent loans | 157.6118% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 7,296 |
| Noncurrent loans to loans | 0.4332% | 6,434 |
| Net loans and leases to total assets | 16.6830% | 7,815 |
| Net loans and leases to deposits | 18.1825% | 7,840 |
| Net loans and leases to core deposits | 18.1825% | 7,831 |
| Total domestic deposits to total assets | 91.7530% | 305 |
| Equity capital to assets | 7.4540% | 7,105 |
| Core capital (leverage) ratio | 7.6462% | 6,683 |
| Tier 1 risk-based capital ratio | 24.2539% | 942 |
| Total risk-based capital ratio | 24.6208% | 1,002 |
| Memoranda: | ||
| Average total assets | $44,564,047,500 | 39 |
| Average earning assets | $43,821,337,500 | 37 |
| Average equity | $2,984,505,500 | 51 |
| Average total loans | $7,604,494,000 | 91 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6146% | 7,906 |
| Cost of funding earning assets | 0.3214% | 7,894 |
| Net interest margin | 2.2933% | 7,600 |
| Noninterest income to average assets | 0.3166% | 5,817 |
| Noninterest expense to average assets | 0.5937% | 7,977 |
| Loan and lease loss provision to assets | 0.1125% | 6,514 |
| Net operating income to assets | 1.1361% | 1,424 |
| Return on assets (ROA) | 1.0289% | 1,791 |
| Pretax return on assets | 1.6861% | 808 |
| Return on Equity (ROE) | 18.8971% | 309 |
| Retained earnings to average equity (ytd only) | 18.8971% | 44 |
| Net charge-offs to loans | 0.2076% | 5,333 |
| Credit loss provision to net charge-offs | 271.1269% | 1,277 |
| Earnings coverage of net charge-offs (x) | 47.3647% | 541 |
| Efficiency ratio | 22.8357% | 7,973 |
| Assets per employee ($millions) | 183.2320% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5919% | 7,566 |
| Loan loss allowance to noncurrent loans | 129.9631% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0862% | 7,283 |
| Noncurrent loans to loans | 0.4554% | 6,356 |
| Net loans and leases to total assets | 17.2443% | 7,892 |
| Net loans and leases to deposits | 18.9823% | 7,919 |
| Net loans and leases to core deposits | 18.9823% | 7,924 |
| Total domestic deposits to total assets | 90.8443% | 596 |
| Equity capital to assets | 5.8940% | 7,678 |
| Core capital (leverage) ratio | 6.2737% | 7,567 |
| Tier 1 risk-based capital ratio | 18.3024% | 1,813 |
| Total risk-based capital ratio | 18.6092% | 2,023 |
| Memoranda: | ||
| Average total assets | $33,882,971,600 | 44 |
| Average earning assets | $33,143,155,800 | 42 |
| Average equity | $1,844,771,000 | 66 |
| Average total loans | $6,775,781,400 | 102 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7406% | 7,998 |
| Cost of funding earning assets | 0.3138% | 7,998 |
| Net interest margin | 2.4269% | 7,540 |
| Noninterest income to average assets | 0.3061% | 6,032 |
| Noninterest expense to average assets | 0.6472% | 8,064 |
| Loan and lease loss provision to assets | 0.1407% | 5,949 |
| Net operating income to assets | 1.1648% | 1,551 |
| Return on assets (ROA) | 1.0716% | 1,874 |
| Pretax return on assets | 1.7434% | 895 |
| Return on Equity (ROE) | 20.2555% | 296 |
| Retained earnings to average equity (ytd only) | 20.2555% | 60 |
| Net charge-offs to loans | 0.1995% | 4,813 |
| Credit loss provision to net charge-offs | 337.3441% | 1,219 |
| Earnings coverage of net charge-offs (x) | 48.6768% | 655 |
| Efficiency ratio | 23.8040% | 8,040 |
| Assets per employee ($millions) | 166.8575% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6239% | 7,538 |
| Loan loss allowance to noncurrent loans | 170.9045% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 7,379 |
| Noncurrent loans to loans | 0.3650% | 6,619 |
| Net loans and leases to total assets | 18.2357% | 7,966 |
| Net loans and leases to deposits | 19.4475% | 7,999 |
| Net loans and leases to core deposits | 19.4475% | 8,007 |
| Total domestic deposits to total assets | 93.7688% | 60 |
| Equity capital to assets | 5.8169% | 7,886 |
| Core capital (leverage) ratio | 6.3829% | 7,709 |
| Tier 1 risk-based capital ratio | 16.9675% | 2,283 |
| Total risk-based capital ratio | 17.2773% | 2,550 |
| Memoranda: | ||
| Average total assets | $31,543,026,750 | 47 |
| Average earning assets | $30,816,209,500 | 46 |
| Average equity | $1,668,785,500 | 72 |
| Average total loans | $6,594,400,000 | 108 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8713% | 8,086 |
| Cost of funding earning assets | 0.2887% | 8,105 |
| Net interest margin | 2.5825% | 7,377 |
| Noninterest income to average assets | 0.3147% | 5,993 |
| Noninterest expense to average assets | 0.7116% | 8,156 |
| Loan and lease loss provision to assets | 0.1756% | 5,291 |
| Net operating income to assets | 1.2004% | 1,473 |
| Return on assets (ROA) | 1.1156% | 1,798 |
| Pretax return on assets | 1.8192% | 818 |
| Return on Equity (ROE) | 22.0396% | 235 |
| Retained earnings to average equity (ytd only) | 22.0396% | 61 |
| Net charge-offs to loans | 0.1495% | 4,694 |
| Credit loss provision to net charge-offs | 533.3817% | 869 |
| Earnings coverage of net charge-offs (x) | 64.6206% | 558 |
| Efficiency ratio | 24.6711% | 8,127 |
| Assets per employee ($millions) | 165.0364% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6118% | 7,615 |
| Loan loss allowance to noncurrent loans | 229.6181% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 7,444 |
| Noncurrent loans to loans | 0.2664% | 6,862 |
| Net loans and leases to total assets | 19.6141% | 8,039 |
| Net loans and leases to deposits | 20.9113% | 8,077 |
| Net loans and leases to core deposits | 20.9113% | 8,084 |
| Total domestic deposits to total assets | 93.7968% | 62 |
| Equity capital to assets | 5.8299% | 7,958 |
| Core capital (leverage) ratio | 6.7770% | 7,672 |
| Tier 1 risk-based capital ratio | 16.8437% | 2,349 |
| Total risk-based capital ratio | 17.1459% | 2,605 |
| Memoranda: | ||
| Average total assets | $29,320,581,330 | 55 |
| Average earning assets | $28,657,496,000 | 49 |
| Average equity | $1,484,155,670 | 85 |
| Average total loans | $6,455,314,330 | 111 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1184% | 8,130 |
| Cost of funding earning assets | 0.2349% | 8,172 |
| Net interest margin | 2.8835% | 6,792 |
| Noninterest income to average assets | 0.2777% | 6,200 |
| Noninterest expense to average assets | 0.6282% | 8,211 |
| Loan and lease loss provision to assets | 0.1387% | 5,189 |
| Net operating income to assets | 1.4189% | 1,102 |
| Return on assets (ROA) | 1.3533% | 1,341 |
| Pretax return on assets | 2.2190% | 424 |
| Return on Equity (ROE) | 29.5866% | 105 |
| Retained earnings to average equity (ytd only) | 29.5866% | 54 |
| Net charge-offs to loans | 0.1011% | 4,167 |
| Credit loss provision to net charge-offs | 584.8903% | 970 |
| Earnings coverage of net charge-offs (x) | 103.7266% | 422 |
| Efficiency ratio | 19.9102% | 8,187 |
| Assets per employee ($millions) | 138.0296% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4306% | 7,912 |
| Loan loss allowance to noncurrent loans | 201.7469% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 7,437 |
| Noncurrent loans to loans | 0.2134% | 6,918 |
| Net loans and leases to total assets | 22.8233% | 8,051 |
| Net loans and leases to deposits | 24.3444% | 8,100 |
| Net loans and leases to core deposits | 24.3444% | 8,119 |
| Total domestic deposits to total assets | 93.7519% | 49 |
| Equity capital to assets | 4.8005% | 8,126 |
| Core capital (leverage) ratio | 6.4495% | 7,900 |
| Tier 1 risk-based capital ratio | 15.0585% | 3,039 |
| Total risk-based capital ratio | 15.2904% | 3,488 |
| Memoranda: | ||
| Average total assets | $26,899,602,000 | 58 |
| Average earning assets | $26,219,745,000 | 56 |
| Average equity | $1,230,407,000 | 107 |
| Average total loans | $6,312,004,000 | 117 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 8,068 |
| Cost of funding earning assets | 0.5251% | 8,187 |
| Net interest margin | 3.7451% | 4,249 |
| Noninterest income to average assets | 0.3694% | 5,746 |
| Noninterest expense to average assets | 0.6509% | 8,249 |
| Loan and lease loss provision to assets | 0.2989% | 3,987 |
| Net operating income to assets | 1.8529% | 489 |
| Return on assets (ROA) | 1.7623% | 569 |
| Pretax return on assets | 2.9016% | 106 |
| Return on Equity (ROE) | 33.4820% | 35 |
| Retained earnings to average equity (ytd only) | 33.4820% | 7 |
| Net charge-offs to loans | 0.0825% | 5,588 |
| Credit loss provision to net charge-offs | 1,517.0841% | 290 |
| Earnings coverage of net charge-offs (x) | 169.6310% | 272 |
| Efficiency ratio | 15.7335% | 8,267 |
| Assets per employee ($millions) | 119.0850% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3329% | 8,057 |
| Loan loss allowance to noncurrent loans | 246.5018% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 7,445 |
| Noncurrent loans to loans | 0.1351% | 7,014 |
| Net loans and leases to total assets | 23.9937% | 8,106 |
| Net loans and leases to deposits | 25.5103% | 8,160 |
| Net loans and leases to core deposits | 25.5104% | 8,176 |
| Total domestic deposits to total assets | 94.0550% | 30 |
| Equity capital to assets | 4.3202% | 8,238 |
| Core capital (leverage) ratio | 6.3665% | 7,976 |
| Tier 1 risk-based capital ratio | 15.2935% | 2,922 |
| Total risk-based capital ratio | 15.4839% | 3,350 |
| Memoranda: | ||
| Average total assets | $20,469,615,600 | 64 |
| Average earning assets | $19,805,819,000 | 63 |
| Average equity | $1,077,392,600 | 110 |
| Average total loans | $4,889,479,000 | 137 |