Home > Comerica Bank > Performance and Condition Ratios
Comerica Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 1,397 |
| Cost of funding earning assets | 2.0784% | 806 |
| Net interest margin | 3.2710% | 2,702 |
| Noninterest income to average assets | 1.1900% | 503 |
| Noninterest expense to average assets | 2.7278% | 1,671 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.9969% | 2,230 |
| Return on assets (ROA) | 0.9969% | 2,215 |
| Pretax return on assets | 1.2894% | 1,897 |
| Return on Equity (ROE) | 17.2000% | 924 |
| Retained earnings to average equity (ytd only) | 3.9457% | 2,976 |
| Net charge-offs to loans | 0.0407% | 1,500 |
| Credit loss provision to net charge-offs | 454.5455% | 721 |
| Earnings coverage of net charge-offs (x) | 55.5455% | 1,232 |
| Efficiency ratio | 66.2338% | 2,320 |
| Assets per employee ($millions) | 11.4080% | 481 |
| Cash dividends to net income (ytd only)* | 77.0548% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 1,706 |
| Loan loss allowance to noncurrent loans | 347.4747% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 2,065 |
| Noncurrent loans to loans | 0.3783% | 1,851 |
| Net loans and leases to total assets | 60.1300% | 2,831 |
| Net loans and leases to deposits | 75.5716% | 2,493 |
| Net loans and leases to core deposits | 91.0769% | 1,979 |
| Total domestic deposits to total assets | 79.1400% | 3,592 |
| Equity capital to assets | 6.6390% | 4,068 |
| Core capital (leverage) ratio | 9.1589% | 3,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3537% | 2,471 |
| Memoranda: | ||
| Average total assets | $87,872,800,000 | 34 |
| Average earning assets | $78,569,000,000 | 34 |
| Average equity | $5,094,200,000 | 46 |
| Average total loans | $54,095,800,000 | 30 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3130% | 1,274 |
| Cost of funding earning assets | 1.9751% | 733 |
| Net interest margin | 3.3379% | 2,600 |
| Noninterest income to average assets | 1.3000% | 459 |
| Noninterest expense to average assets | 2.5243% | 2,150 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.2825% | 1,584 |
| Return on assets (ROA) | 1.2825% | 1,572 |
| Pretax return on assets | 1.6462% | 1,271 |
| Return on Equity (ROE) | 22.9300% | 495 |
| Retained earnings to average equity (ytd only) | 4.7213% | 3,035 |
| Net charge-offs to loans | 0.0049% | 2,293 |
| Credit loss provision to net charge-offs | 4,300.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 584.0000% | 269 |
| Efficiency ratio | 58.8877% | 3,101 |
| Assets per employee ($millions) | 11.4487% | 443 |
| Cash dividends to net income (ytd only)* | 79.4118% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2939% | 1,886 |
| Loan loss allowance to noncurrent loans | 348.7437% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 2,083 |
| Noncurrent loans to loans | 0.3710% | 1,904 |
| Net loans and leases to total assets | 61.7000% | 2,680 |
| Net loans and leases to deposits | 76.9033% | 2,345 |
| Net loans and leases to core deposits | 92.6271% | 1,757 |
| Total domestic deposits to total assets | 79.8100% | 3,558 |
| Equity capital to assets | 4.8772% | 4,271 |
| Core capital (leverage) ratio | 8.6540% | 4,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9256% | 2,633 |
| Memoranda: | ||
| Average total assets | $88,365,500,000 | 34 |
| Average earning assets | $79,049,750,000 | 35 |
| Average equity | $4,942,000,000 | 47 |
| Average total loans | $54,533,500,000 | 31 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0928% | 1,389 |
| Cost of funding earning assets | 1.6826% | 908 |
| Net interest margin | 3.4102% | 2,489 |
| Noninterest income to average assets | 1.2500% | 419 |
| Noninterest expense to average assets | 2.4435% | 2,368 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.3473% | 1,459 |
| Return on assets (ROA) | 1.3473% | 1,448 |
| Pretax return on assets | 1.7216% | 1,164 |
| Return on Equity (ROE) | 23.1400% | 481 |
| Retained earnings to average equity (ytd only) | 14.4773% | 625 |
| Net charge-offs to loans | -0.0146% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.7413% | 3,328 |
| Assets per employee ($millions) | 12.1136% | 366 |
| Cash dividends to net income (ytd only)* | 37.4376% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,338 |
| Loan loss allowance to noncurrent loans | 350.7692% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 2,108 |
| Noncurrent loans to loans | 0.3483% | 1,883 |
| Net loans and leases to total assets | 60.8600% | 2,691 |
| Net loans and leases to deposits | 81.2473% | 1,891 |
| Net loans and leases to core deposits | 89.7307% | 1,816 |
| Total domestic deposits to total assets | 74.4100% | 4,164 |
| Equity capital to assets | 5.6898% | 4,237 |
| Core capital (leverage) ratio | 8.8324% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9722% | 2,634 |
| Memoranda: | ||
| Average total assets | $89,218,000,000 | 34 |
| Average earning assets | $79,995,000,000 | 35 |
| Average equity | $5,194,333,333 | 45 |
| Average total loans | $54,833,000,000 | 31 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 1,603 |
| Cost of funding earning assets | 1.1617% | 1,555 |
| Net interest margin | 3.6466% | 2,018 |
| Noninterest income to average assets | 1.2500% | 418 |
| Noninterest expense to average assets | 2.5205% | 2,197 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.4752% | 1,230 |
| Return on assets (ROA) | 1.4752% | 1,211 |
| Pretax return on assets | 1.8598% | 971 |
| Return on Equity (ROE) | 25.0500% | 403 |
| Retained earnings to average equity (ytd only) | 17.3629% | 568 |
| Net charge-offs to loans | -0.0147% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.8116% | 3,424 |
| Assets per employee ($millions) | 12.2974% | 363 |
| Cash dividends to net income (ytd only)* | 30.6748% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 2,750 |
| Loan loss allowance to noncurrent loans | 265.9751% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 1,805 |
| Noncurrent loans to loans | 0.4373% | 1,624 |
| Net loans and leases to total assets | 59.6900% | 2,694 |
| Net loans and leases to deposits | 81.6605% | 1,685 |
| Net loans and leases to core deposits | 85.6959% | 1,883 |
| Total domestic deposits to total assets | 72.6300% | 4,337 |
| Equity capital to assets | 6.1419% | 4,154 |
| Core capital (leverage) ratio | 9.1733% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7911% | 2,786 |
| Memoranda: | ||
| Average total assets | $88,395,000,000 | 38 |
| Average earning assets | $79,197,500,000 | 38 |
| Average equity | $5,206,500,000 | 48 |
| Average total loans | $54,257,000,000 | 33 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 3,397 |
| Cost of funding earning assets | 0.2171% | 3,616 |
| Net interest margin | 3.1629% | 2,975 |
| Noninterest income to average assets | 1.2000% | 473 |
| Noninterest expense to average assets | 2.3109% | 2,693 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.2990% | 1,433 |
| Return on assets (ROA) | 1.2990% | 1,395 |
| Pretax return on assets | 1.6609% | 1,015 |
| Return on Equity (ROE) | 18.2600% | 666 |
| Retained earnings to average equity (ytd only) | 2.7106% | 3,799 |
| Net charge-offs to loans | 0.0333% | 1,409 |
| Credit loss provision to net charge-offs | 229.4118% | 1,043 |
| Earnings coverage of net charge-offs (x) | 89.6471% | 1,024 |
| Efficiency ratio | 57.2030% | 3,440 |
| Assets per employee ($millions) | 11.6814% | 427 |
| Cash dividends to net income (ytd only)* | 85.1528% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,688 |
| Loan loss allowance to noncurrent loans | 231.9392% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 1,615 |
| Noncurrent loans to loans | 0.4925% | 1,468 |
| Net loans and leases to total assets | 61.7200% | 2,474 |
| Net loans and leases to deposits | 71.9339% | 2,413 |
| Net loans and leases to core deposits | 73.1164% | 2,638 |
| Total domestic deposits to total assets | 85.1200% | 2,964 |
| Equity capital to assets | 5.6214% | 4,202 |
| Core capital (leverage) ratio | 9.0073% | 3,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6652% | 2,818 |
| Memoranda: | ||
| Average total assets | $88,147,000,000 | 40 |
| Average earning assets | $79,231,000,000 | 40 |
| Average equity | $6,271,600,000 | 44 |
| Average total loans | $51,087,200,000 | 36 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9988% | 3,890 |
| Cost of funding earning assets | 0.0817% | 4,408 |
| Net interest margin | 2.9171% | 3,440 |
| Noninterest income to average assets | 1.1800% | 513 |
| Noninterest expense to average assets | 2.2432% | 2,811 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1861% | 1,751 |
| Return on assets (ROA) | 1.1861% | 1,724 |
| Pretax return on assets | 1.5210% | 1,354 |
| Return on Equity (ROE) | 15.8700% | 1,004 |
| Retained earnings to average equity (ytd only) | -0.7031% | 4,405 |
| Net charge-offs to loans | 0.0554% | 931 |
| Credit loss provision to net charge-offs | 42.8571% | 1,554 |
| Earnings coverage of net charge-offs (x) | 49.5238% | 1,289 |
| Efficiency ratio | 58.9582% | 3,256 |
| Assets per employee ($millions) | 11.5969% | 435 |
| Cash dividends to net income (ytd only)* | 104.4304% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 2,951 |
| Loan loss allowance to noncurrent loans | 174.0181% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 1,366 |
| Noncurrent loans to loans | 0.6400% | 1,269 |
| Net loans and leases to total assets | 60.7100% | 2,427 |
| Net loans and leases to deposits | 68.2445% | 2,517 |
| Net loans and leases to core deposits | 69.1610% | 2,708 |
| Total domestic deposits to total assets | 88.3000% | 2,328 |
| Equity capital to assets | 5.6481% | 4,087 |
| Core capital (leverage) ratio | 8.7380% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6850% | 2,897 |
| Memoranda: | ||
| Average total assets | $88,801,000,000 | 40 |
| Average earning assets | $79,941,250,000 | 41 |
| Average equity | $6,637,500,000 | 44 |
| Average total loans | $50,508,250,000 | 37 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5679% | 4,307 |
| Cost of funding earning assets | 0.0417% | 4,642 |
| Net interest margin | 2.5262% | 4,043 |
| Noninterest income to average assets | 1.1249% | 529 |
| Noninterest expense to average assets | 2.1745% | 2,933 |
| Loan and lease loss provision to assets | -0.0022% | 4,370 |
| Net operating income to assets | 0.9699% | 2,264 |
| Return on assets (ROA) | 0.9699% | 2,240 |
| Pretax return on assets | 1.2356% | 1,946 |
| Return on Equity (ROE) | 12.0595% | 1,653 |
| Retained earnings to average equity (ytd only) | 0.3579% | 4,121 |
| Net charge-offs to loans | 0.0319% | 1,088 |
| Credit loss provision to net charge-offs | -212.5000% | 3,222 |
| Earnings coverage of net charge-offs (x) | 69.6250% | 1,009 |
| Efficiency ratio | 63.8077% | 2,794 |
| Assets per employee ($millions) | 11.9654% | 383 |
| Cash dividends to net income (ytd only)* | 97.0320% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,188 |
| Loan loss allowance to noncurrent loans | 205.4745% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 1,746 |
| Noncurrent loans to loans | 0.5325% | 1,554 |
| Net loans and leases to total assets | 58.4839% | 2,476 |
| Net loans and leases to deposits | 65.7235% | 2,571 |
| Net loans and leases to core deposits | 67.0033% | 2,738 |
| Total domestic deposits to total assets | 88.3641% | 2,438 |
| Equity capital to assets | 7.4003% | 3,533 |
| Core capital (leverage) ratio | 8.5320% | 3,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3811% | 2,950 |
| Memoranda: | ||
| Average total assets | $90,321,333,333 | 40 |
| Average earning assets | $81,624,000,000 | 40 |
| Average equity | $7,264,000,000 | 42 |
| Average total loans | $50,106,000,000 | 37 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2442% | 4,507 |
| Cost of funding earning assets | 0.0335% | 4,694 |
| Net interest margin | 2.2107% | 4,336 |
| Noninterest income to average assets | 1.0221% | 657 |
| Noninterest expense to average assets | 2.1094% | 3,109 |
| Loan and lease loss provision to assets | -0.0478% | 4,510 |
| Net operating income to assets | 0.7698% | 2,775 |
| Return on assets (ROA) | 0.7698% | 2,767 |
| Pretax return on assets | 0.9699% | 2,538 |
| Return on Equity (ROE) | 9.2236% | 2,238 |
| Retained earnings to average equity (ytd only) | -1.1985% | 4,159 |
| Net charge-offs to loans | 0.0647% | 685 |
| Credit loss provision to net charge-offs | -325.0000% | 3,057 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,184 |
| Efficiency ratio | 69.5839% | 2,290 |
| Assets per employee ($millions) | 12.1579% | 379 |
| Cash dividends to net income (ytd only)* | 112.9944% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,253 |
| Loan loss allowance to noncurrent loans | 187.7966% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3332% | 1,776 |
| Noncurrent loans to loans | 0.5951% | 1,570 |
| Net loans and leases to total assets | 54.9853% | 2,637 |
| Net loans and leases to deposits | 62.0522% | 2,713 |
| Net loans and leases to core deposits | 63.2958% | 2,859 |
| Total domestic deposits to total assets | 87.9327% | 2,552 |
| Equity capital to assets | 8.0591% | 3,523 |
| Core capital (leverage) ratio | 8.3480% | 4,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8574% | 2,920 |
| Memoranda: | ||
| Average total assets | $91,970,000,000 | 39 |
| Average earning assets | $83,592,500,000 | 39 |
| Average equity | $7,676,000,000 | 40 |
| Average total loans | $49,430,000,000 | 36 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2866% | 4,594 |
| Cost of funding earning assets | 0.0445% | 4,709 |
| Net interest margin | 2.2421% | 4,464 |
| Noninterest income to average assets | 1.2554% | 671 |
| Noninterest expense to average assets | 2.1116% | 3,362 |
| Loan and lease loss provision to assets | -0.4247% | 4,810 |
| Net operating income to assets | 1.2787% | 1,667 |
| Return on assets (ROA) | 1.2787% | 1,719 |
| Pretax return on assets | 1.6304% | 1,338 |
| Return on Equity (ROE) | 13.8347% | 1,234 |
| Retained earnings to average equity (ytd only) | 3.9015% | 3,255 |
| Net charge-offs to loans | -0.0200% | 3,976 |
| Credit loss provision to net charge-offs | 3,700.0000% | 184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6212% | 2,622 |
| Assets per employee ($millions) | 13.0056% | 318 |
| Cash dividends to net income (ytd only)* | 71.7993% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,920 |
| Loan loss allowance to noncurrent loans | 202.0619% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 1,999 |
| Noncurrent loans to loans | 0.5904% | 1,665 |
| Net loans and leases to total assets | 51.3756% | 3,133 |
| Net loans and leases to deposits | 58.0980% | 3,248 |
| Net loans and leases to core deposits | 59.6011% | 3,339 |
| Total domestic deposits to total assets | 87.7624% | 2,166 |
| Equity capital to assets | 8.6162% | 3,972 |
| Core capital (leverage) ratio | 7.9342% | 4,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3437% | 2,812 |
| Memoranda: | ||
| Average total assets | $90,406,400,000 | 37 |
| Average earning assets | $83,136,000,000 | 37 |
| Average equity | $8,355,800,000 | 38 |
| Average total loans | $50,124,200,000 | 36 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3169% | 4,666 |
| Cost of funding earning assets | 0.0471% | 4,783 |
| Net interest margin | 2.2698% | 4,513 |
| Noninterest income to average assets | 1.2645% | 733 |
| Noninterest expense to average assets | 2.1020% | 3,356 |
| Loan and lease loss provision to assets | -0.5360% | 4,887 |
| Net operating income to assets | 1.3989% | 1,547 |
| Return on assets (ROA) | 1.3989% | 1,608 |
| Pretax return on assets | 1.7855% | 1,194 |
| Return on Equity (ROE) | 14.8678% | 1,171 |
| Retained earnings to average equity (ytd only) | 11.6943% | 899 |
| Net charge-offs to loans | -0.0159% | 3,869 |
| Credit loss provision to net charge-offs | 5,750.0000% | 137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6726% | 2,584 |
| Assets per employee ($millions) | 14.1464% | 237 |
| Cash dividends to net income (ytd only)* | 21.3447% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 2,660 |
| Loan loss allowance to noncurrent loans | 200.9901% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 2,163 |
| Noncurrent loans to loans | 0.6286% | 1,738 |
| Net loans and leases to total assets | 50.3491% | 3,369 |
| Net loans and leases to deposits | 57.2961% | 3,460 |
| Net loans and leases to core deposits | 58.9248% | 3,555 |
| Total domestic deposits to total assets | 87.1517% | 2,292 |
| Equity capital to assets | 9.0811% | 3,757 |
| Core capital (leverage) ratio | 8.8465% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3222% | 2,609 |
| Memoranda: | ||
| Average total assets | $89,308,500,000 | 38 |
| Average earning assets | $82,118,000,000 | 37 |
| Average equity | $8,402,750,000 | 39 |
| Average total loans | $50,332,500,000 | 37 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3312% | 4,708 |
| Cost of funding earning assets | 0.0497% | 4,823 |
| Net interest margin | 2.2815% | 4,535 |
| Noninterest income to average assets | 1.2744% | 714 |
| Noninterest expense to average assets | 2.1195% | 3,335 |
| Loan and lease loss provision to assets | -0.7240% | 4,936 |
| Net operating income to assets | 1.5416% | 1,186 |
| Return on assets (ROA) | 1.5416% | 1,251 |
| Pretax return on assets | 1.9756% | 878 |
| Return on Equity (ROE) | 16.1825% | 919 |
| Retained earnings to average equity (ytd only) | 16.1825% | 324 |
| Net charge-offs to loans | -0.0313% | 4,173 |
| Credit loss provision to net charge-offs | 3,800.0000% | 171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8726% | 2,604 |
| Assets per employee ($millions) | 13.0764% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,445 |
| Loan loss allowance to noncurrent loans | 192.8994% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 2,075 |
| Noncurrent loans to loans | 0.6728% | 1,741 |
| Net loans and leases to total assets | 56.1343% | 2,886 |
| Net loans and leases to deposits | 64.3188% | 2,965 |
| Net loans and leases to core deposits | 65.8530% | 3,126 |
| Total domestic deposits to total assets | 86.5959% | 2,505 |
| Equity capital to assets | 9.7463% | 3,099 |
| Core capital (leverage) ratio | 9.1342% | 3,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4726% | 2,554 |
| Memoranda: | ||
| Average total assets | $87,569,333,333 | 37 |
| Average earning assets | $80,475,000,000 | 38 |
| Average equity | $8,342,333,333 | 39 |
| Average total loans | $51,042,666,667 | 36 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2836% | 4,764 |
| Cost of funding earning assets | 0.0548% | 4,846 |
| Net interest margin | 2.2288% | 4,592 |
| Noninterest income to average assets | 1.2570% | 798 |
| Noninterest expense to average assets | 2.0828% | 3,479 |
| Loan and lease loss provision to assets | -0.8350% | 4,953 |
| Net operating income to assets | 1.6103% | 1,113 |
| Return on assets (ROA) | 1.6103% | 1,161 |
| Pretax return on assets | 2.0599% | 859 |
| Return on Equity (ROE) | 17.1032% | 833 |
| Retained earnings to average equity (ytd only) | 17.1032% | 418 |
| Net charge-offs to loans | 0.0233% | 1,279 |
| Credit loss provision to net charge-offs | -5,600.0000% | 3,733 |
| Earnings coverage of net charge-offs (x) | 89.0000% | 660 |
| Efficiency ratio | 62.9681% | 2,612 |
| Assets per employee ($millions) | 12.5629% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5357% | 1,479 |
| Loan loss allowance to noncurrent loans | 207.7540% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 2,060 |
| Noncurrent loans to loans | 0.7392% | 1,754 |
| Net loans and leases to total assets | 57.7565% | 2,821 |
| Net loans and leases to deposits | 66.1010% | 2,908 |
| Net loans and leases to core deposits | 67.7054% | 3,086 |
| Total domestic deposits to total assets | 86.6886% | 2,447 |
| Equity capital to assets | 9.6224% | 3,076 |
| Core capital (leverage) ratio | 9.1704% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5994% | 2,447 |
| Memoranda: | ||
| Average total assets | $87,188,500,000 | 37 |
| Average earning assets | $80,223,500,000 | 37 |
| Average equity | $8,209,000,000 | 38 |
| Average total loans | $51,446,000,000 | 35 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8127% | 4,748 |
| Cost of funding earning assets | 0.2083% | 4,555 |
| Net interest margin | 2.6044% | 4,496 |
| Noninterest income to average assets | 1.2519% | 718 |
| Noninterest expense to average assets | 2.2759% | 3,474 |
| Loan and lease loss provision to assets | 0.6457% | 283 |
| Net operating income to assets | 0.5732% | 3,839 |
| Return on assets (ROA) | 0.5742% | 3,939 |
| Pretax return on assets | 0.7196% | 3,845 |
| Return on Equity (ROE) | 5.7978% | 3,638 |
| Retained earnings to average equity (ytd only) | -0.2613% | 4,557 |
| Net charge-offs to loans | 0.3741% | 460 |
| Credit loss provision to net charge-offs | 267.3469% | 1,856 |
| Earnings coverage of net charge-offs (x) | 5.6480% | 2,849 |
| Efficiency ratio | 62.4915% | 3,045 |
| Assets per employee ($millions) | 12.7673% | 278 |
| Cash dividends to net income (ytd only)* | 104.5064% | 221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8128% | 837 |
| Loan loss allowance to noncurrent loans | 241.8367% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 2,212 |
| Noncurrent loans to loans | 0.7496% | 1,827 |
| Net loans and leases to total assets | 58.2705% | 3,054 |
| Net loans and leases to deposits | 68.9068% | 2,988 |
| Net loans and leases to core deposits | 70.5397% | 3,222 |
| Total domestic deposits to total assets | 83.8970% | 3,144 |
| Equity capital to assets | 9.2124% | 3,877 |
| Core capital (leverage) ratio | 8.6093% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8027% | 2,700 |
| Memoranda: | ||
| Average total assets | $81,153,800,000 | 37 |
| Average earning assets | $74,412,000,000 | 38 |
| Average equity | $8,037,600,000 | 37 |
| Average total loans | $52,393,400,000 | 33 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9408% | 4,771 |
| Cost of funding earning assets | 0.2567% | 4,487 |
| Net interest margin | 2.6841% | 4,485 |
| Noninterest income to average assets | 1.2659% | 681 |
| Noninterest expense to average assets | 2.3203% | 3,366 |
| Loan and lease loss provision to assets | 0.8815% | 184 |
| Net operating income to assets | 0.4315% | 4,200 |
| Return on assets (ROA) | 0.4315% | 4,266 |
| Pretax return on assets | 0.5222% | 4,241 |
| Return on Equity (ROE) | 4.2739% | 4,106 |
| Retained earnings to average equity (ytd only) | 0.1164% | 4,458 |
| Net charge-offs to loans | 0.4248% | 375 |
| Credit loss provision to net charge-offs | 314.3713% | 1,719 |
| Earnings coverage of net charge-offs (x) | 5.0060% | 2,771 |
| Efficiency ratio | 62.2633% | 3,026 |
| Assets per employee ($millions) | 12.0075% | 317 |
| Cash dividends to net income (ytd only)* | 97.2763% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8673% | 622 |
| Loan loss allowance to noncurrent loans | 278.6325% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 2,450 |
| Noncurrent loans to loans | 0.6702% | 2,109 |
| Net loans and leases to total assets | 61.4750% | 3,069 |
| Net loans and leases to deposits | 73.4992% | 3,000 |
| Net loans and leases to core deposits | 75.4732% | 3,210 |
| Total domestic deposits to total assets | 82.8916% | 3,171 |
| Equity capital to assets | 9.6809% | 3,534 |
| Core capital (leverage) ratio | 8.7570% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9552% | 2,631 |
| Memoranda: | ||
| Average total assets | $79,412,250,000 | 37 |
| Average earning assets | $72,722,000,000 | 38 |
| Average equity | $8,017,500,000 | 37 |
| Average total loans | $52,417,750,000 | 31 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1374% | 4,766 |
| Cost of funding earning assets | 0.3361% | 4,330 |
| Net interest margin | 2.8012% | 4,448 |
| Noninterest income to average assets | 1.2895% | 612 |
| Noninterest expense to average assets | 2.3791% | 3,311 |
| Loan and lease loss provision to assets | 1.3357% | 109 |
| Net operating income to assets | 0.1231% | 4,658 |
| Return on assets (ROA) | 0.1231% | 4,691 |
| Pretax return on assets | 0.1384% | 4,693 |
| Return on Equity (ROE) | 1.2012% | 4,661 |
| Retained earnings to average equity (ytd only) | 1.2012% | 4,039 |
| Net charge-offs to loans | 0.5111% | 313 |
| Credit loss provision to net charge-offs | 388.8060% | 1,430 |
| Earnings coverage of net charge-offs (x) | 4.2910% | 2,608 |
| Efficiency ratio | 61.6766% | 3,173 |
| Assets per employee ($millions) | 12.0736% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8838% | 549 |
| Loan loss allowance to noncurrent loans | 326.9481% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 2,785 |
| Noncurrent loans to loans | 0.5762% | 2,427 |
| Net loans and leases to total assets | 62.1129% | 3,117 |
| Net loans and leases to deposits | 75.9353% | 2,877 |
| Net loans and leases to core deposits | 78.0773% | 3,098 |
| Total domestic deposits to total assets | 81.1080% | 3,576 |
| Equity capital to assets | 9.6835% | 3,501 |
| Core capital (leverage) ratio | 9.1067% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0118% | 2,607 |
| Memoranda: | ||
| Average total assets | $78,013,666,667 | 36 |
| Average earning assets | $71,397,666,667 | 38 |
| Average equity | $7,992,000,000 | 37 |
| Average total loans | $52,431,666,667 | 31 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 4,567 |
| Cost of funding earning assets | 0.5093% | 3,898 |
| Net interest margin | 3.0555% | 4,192 |
| Noninterest income to average assets | 1.3316% | 503 |
| Noninterest expense to average assets | 2.5722% | 3,072 |
| Loan and lease loss provision to assets | 2.0321% | 65 |
| Net operating income to assets | -0.3648% | 4,902 |
| Return on assets (ROA) | -0.3690% | 4,876 |
| Pretax return on assets | -0.4866% | 4,885 |
| Return on Equity (ROE) | -3.4939% | 4,889 |
| Retained earnings to average equity (ytd only) | -3.4939% | 4,402 |
| Net charge-offs to loans | 0.6472% | 230 |
| Credit loss provision to net charge-offs | 452.3810% | 934 |
| Earnings coverage of net charge-offs (x) | 3.4524% | 2,214 |
| Efficiency ratio | 62.3865% | 3,452 |
| Assets per employee ($millions) | 10.9274% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 858 |
| Loan loss allowance to noncurrent loans | 306.3545% | 1,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 2,831 |
| Noncurrent loans to loans | 0.5593% | 2,601 |
| Net loans and leases to total assets | 68.9033% | 2,406 |
| Net loans and leases to deposits | 90.0271% | 1,508 |
| Net loans and leases to core deposits | 93.1618% | 2,048 |
| Total domestic deposits to total assets | 75.8779% | 4,501 |
| Equity capital to assets | 10.5898% | 3,243 |
| Core capital (leverage) ratio | 9.9275% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2630% | 3,019 |
| Memoranda: | ||
| Average total assets | $74,799,000,000 | 36 |
| Average earning assets | $68,335,500,000 | 38 |
| Average equity | $7,899,500,000 | 37 |
| Average total loans | $51,919,000,000 | 31 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 3,610 |
| Cost of funding earning assets | 0.6592% | 3,370 |
| Net interest margin | 3.6143% | 3,091 |
| Noninterest income to average assets | 1.4459% | 447 |
| Noninterest expense to average assets | 2.5044% | 3,437 |
| Loan and lease loss provision to assets | 0.1014% | 2,031 |
| Net operating income to assets | 1.6717% | 705 |
| Return on assets (ROA) | 1.6640% | 766 |
| Pretax return on assets | 2.1279% | 442 |
| Return on Equity (ROE) | 15.8650% | 559 |
| Retained earnings to average equity (ytd only) | -0.1192% | 4,716 |
| Net charge-offs to loans | 0.2105% | 971 |
| Credit loss provision to net charge-offs | 68.2243% | 2,935 |
| Earnings coverage of net charge-offs (x) | 15.0654% | 2,251 |
| Efficiency ratio | 52.7672% | 4,545 |
| Assets per employee ($millions) | 10.4871% | 325 |
| Cash dividends to net income (ytd only)* | 100.7513% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,093 |
| Loan loss allowance to noncurrent loans | 283.1111% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 3,129 |
| Noncurrent loans to loans | 0.4467% | 2,839 |
| Net loans and leases to total assets | 67.8221% | 2,703 |
| Net loans and leases to deposits | 84.7398% | 2,242 |
| Net loans and leases to core deposits | 88.0287% | 2,603 |
| Total domestic deposits to total assets | 79.2203% | 4,143 |
| Equity capital to assets | 10.5310% | 3,418 |
| Core capital (leverage) ratio | 9.9209% | 3,600 |
| Tier 1 risk-based capital ratio | 10.5757% | 5,000 |
| Total risk-based capital ratio | 12.2975% | 4,738 |
| Memoranda: | ||
| Average total assets | $71,994,655,200 | 36 |
| Average earning assets | $65,683,011,800 | 36 |
| Average equity | $7,551,200,200 | 37 |
| Average total loans | $50,828,934,600 | 31 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 3,417 |
| Cost of funding earning assets | 0.6652% | 3,370 |
| Net interest margin | 3.7176% | 2,858 |
| Noninterest income to average assets | 1.4327% | 445 |
| Noninterest expense to average assets | 2.4765% | 3,504 |
| Loan and lease loss provision to assets | 0.1247% | 1,562 |
| Net operating income to assets | 1.7444% | 684 |
| Return on assets (ROA) | 1.7341% | 737 |
| Pretax return on assets | 2.2085% | 447 |
| Return on Equity (ROE) | 16.5503% | 532 |
| Retained earnings to average equity (ytd only) | -0.3196% | 4,794 |
| Net charge-offs to loans | 0.2251% | 788 |
| Credit loss provision to net charge-offs | 77.9070% | 2,529 |
| Earnings coverage of net charge-offs (x) | 14.6628% | 2,237 |
| Efficiency ratio | 51.3117% | 4,652 |
| Assets per employee ($millions) | 10.4494% | 308 |
| Cash dividends to net income (ytd only)* | 101.9313% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 2,137 |
| Loan loss allowance to noncurrent loans | 259.7610% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3484% | 3,112 |
| Noncurrent loans to loans | 0.4874% | 2,837 |
| Net loans and leases to total assets | 69.7483% | 2,509 |
| Net loans and leases to deposits | 87.1092% | 2,045 |
| Net loans and leases to core deposits | 91.0300% | 2,460 |
| Total domestic deposits to total assets | 79.3950% | 4,098 |
| Equity capital to assets | 10.4438% | 3,594 |
| Core capital (leverage) ratio | 10.0805% | 3,552 |
| Tier 1 risk-based capital ratio | 10.4313% | 5,094 |
| Total risk-based capital ratio | 12.1500% | 4,846 |
| Memoranda: | ||
| Average total assets | $71,659,319,000 | 37 |
| Average earning assets | $65,345,014,750 | 37 |
| Average equity | $7,508,250,250 | 39 |
| Average total loans | $50,942,418,250 | 32 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 3,284 |
| Cost of funding earning assets | 0.6456% | 3,433 |
| Net interest margin | 3.7721% | 2,684 |
| Noninterest income to average assets | 1.4260% | 430 |
| Noninterest expense to average assets | 2.4955% | 3,496 |
| Loan and lease loss provision to assets | 0.0842% | 2,162 |
| Net operating income to assets | 1.8009% | 593 |
| Return on assets (ROA) | 1.7853% | 639 |
| Pretax return on assets | 2.2710% | 378 |
| Return on Equity (ROE) | 17.0205% | 461 |
| Retained earnings to average equity (ytd only) | -0.3747% | 4,750 |
| Net charge-offs to loans | 0.1734% | 940 |
| Credit loss provision to net charge-offs | 68.1818% | 2,332 |
| Earnings coverage of net charge-offs (x) | 19.2273% | 1,826 |
| Efficiency ratio | 51.1816% | 4,711 |
| Assets per employee ($millions) | 10.4407% | 309 |
| Cash dividends to net income (ytd only)* | 102.2013% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,142 |
| Loan loss allowance to noncurrent loans | 272.6141% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 3,189 |
| Noncurrent loans to loans | 0.4652% | 2,886 |
| Net loans and leases to total assets | 70.6406% | 2,441 |
| Net loans and leases to deposits | 90.0509% | 1,730 |
| Net loans and leases to core deposits | 95.6538% | 2,106 |
| Total domestic deposits to total assets | 77.7822% | 4,439 |
| Equity capital to assets | 10.4563% | 3,552 |
| Core capital (leverage) ratio | 10.1300% | 3,474 |
| Tier 1 risk-based capital ratio | 10.4079% | 5,136 |
| Total risk-based capital ratio | 12.1298% | 4,876 |
| Memoranda: | ||
| Average total assets | $71,247,425,330 | 37 |
| Average earning assets | $65,056,686,330 | 37 |
| Average equity | $7,473,333,670 | 39 |
| Average total loans | $50,758,224,330 | 32 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4064% | 3,200 |
| Cost of funding earning assets | 0.5950% | 3,603 |
| Net interest margin | 3.8114% | 2,486 |
| Noninterest income to average assets | 1.4264% | 423 |
| Noninterest expense to average assets | 2.5471% | 3,380 |
| Loan and lease loss provision to assets | -0.0736% | 5,276 |
| Net operating income to assets | 1.9320% | 435 |
| Return on assets (ROA) | 1.8962% | 480 |
| Pretax return on assets | 2.3886% | 304 |
| Return on Equity (ROE) | 18.0484% | 393 |
| Retained earnings to average equity (ytd only) | 1.3469% | 4,244 |
| Net charge-offs to loans | 0.0876% | 1,228 |
| Credit loss provision to net charge-offs | -118.1818% | 3,567 |
| Earnings coverage of net charge-offs (x) | 37.9091% | 1,188 |
| Efficiency ratio | 51.9031% | 4,704 |
| Assets per employee ($millions) | 10.1919% | 319 |
| Cash dividends to net income (ytd only)* | 92.5373% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 2,158 |
| Loan loss allowance to noncurrent loans | 300.9302% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 3,386 |
| Noncurrent loans to loans | 0.4274% | 3,054 |
| Net loans and leases to total assets | 70.3367% | 2,433 |
| Net loans and leases to deposits | 88.8859% | 1,759 |
| Net loans and leases to core deposits | 92.3387% | 2,270 |
| Total domestic deposits to total assets | 78.5068% | 4,433 |
| Equity capital to assets | 10.5922% | 3,258 |
| Core capital (leverage) ratio | 10.3721% | 3,195 |
| Tier 1 risk-based capital ratio | 10.7521% | 5,090 |
| Total risk-based capital ratio | 12.5048% | 4,773 |
| Memoranda: | ||
| Average total assets | $70,668,138,000 | 38 |
| Average earning assets | $64,542,529,500 | 38 |
| Average equity | $7,424,500,500 | 39 |
| Average total loans | $50,234,836,500 | 33 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0131% | 3,989 |
| Cost of funding earning assets | 0.3843% | 4,086 |
| Net interest margin | 3.6289% | 3,282 |
| Noninterest income to average assets | 1.4449% | 434 |
| Noninterest expense to average assets | 2.5979% | 3,339 |
| Loan and lease loss provision to assets | 0.0152% | 3,844 |
| Net operating income to assets | 1.7185% | 663 |
| Return on assets (ROA) | 1.6971% | 691 |
| Pretax return on assets | 2.1112% | 428 |
| Return on Equity (ROE) | 16.3891% | 554 |
| Retained earnings to average equity (ytd only) | 1.4333% | 4,561 |
| Net charge-offs to loans | 0.1038% | 1,723 |
| Credit loss provision to net charge-offs | 21.2712% | 3,396 |
| Earnings coverage of net charge-offs (x) | 30.0609% | 1,597 |
| Efficiency ratio | 54.6294% | 4,566 |
| Assets per employee ($millions) | 9.9434% | 346 |
| Cash dividends to net income (ytd only)* | 91.2545% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3366% | 1,887 |
| Loan loss allowance to noncurrent loans | 282.7147% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 3,200 |
| Noncurrent loans to loans | 0.4728% | 2,853 |
| Net loans and leases to total assets | 69.9704% | 2,562 |
| Net loans and leases to deposits | 86.5722% | 2,209 |
| Net loans and leases to core deposits | 89.4842% | 2,614 |
| Total domestic deposits to total assets | 80.1196% | 4,076 |
| Equity capital to assets | 10.4202% | 3,263 |
| Core capital (leverage) ratio | 10.1953% | 3,361 |
| Tier 1 risk-based capital ratio | 10.8126% | 5,062 |
| Total risk-based capital ratio | 12.6131% | 4,693 |
| Memoranda: | ||
| Average total assets | $71,672,635,600 | 37 |
| Average earning assets | $65,299,482,200 | 38 |
| Average equity | $7,421,853,000 | 39 |
| Average total loans | $49,477,816,400 | 32 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9058% | 4,200 |
| Cost of funding earning assets | 0.3435% | 4,229 |
| Net interest margin | 3.5623% | 3,485 |
| Noninterest income to average assets | 1.4217% | 467 |
| Noninterest expense to average assets | 2.5710% | 3,377 |
| Loan and lease loss provision to assets | -0.0141% | 5,225 |
| Net operating income to assets | 1.7097% | 729 |
| Return on assets (ROA) | 1.6814% | 781 |
| Pretax return on assets | 2.0717% | 523 |
| Return on Equity (ROE) | 16.2626% | 651 |
| Retained earnings to average equity (ytd only) | 2.4536% | 4,417 |
| Net charge-offs to loans | 0.1087% | 1,402 |
| Credit loss provision to net charge-offs | -18.9832% | 4,111 |
| Earnings coverage of net charge-offs (x) | 28.0839% | 1,680 |
| Efficiency ratio | 55.0794% | 4,500 |
| Assets per employee ($millions) | 10.0873% | 322 |
| Cash dividends to net income (ytd only)* | 84.9126% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 1,865 |
| Loan loss allowance to noncurrent loans | 257.5118% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 3,217 |
| Noncurrent loans to loans | 0.5257% | 2,804 |
| Net loans and leases to total assets | 67.5926% | 3,002 |
| Net loans and leases to deposits | 83.3184% | 2,677 |
| Net loans and leases to core deposits | 86.1228% | 2,981 |
| Total domestic deposits to total assets | 80.3590% | 4,027 |
| Equity capital to assets | 10.3458% | 3,290 |
| Core capital (leverage) ratio | 10.1836% | 3,426 |
| Tier 1 risk-based capital ratio | 10.9687% | 5,049 |
| Total risk-based capital ratio | 12.7815% | 4,658 |
| Memoranda: | ||
| Average total assets | $71,906,475,500 | 37 |
| Average earning assets | $65,435,838,000 | 37 |
| Average equity | $7,434,566,000 | 39 |
| Average total loans | $49,305,852,250 | 32 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 4,367 |
| Cost of funding earning assets | 0.3000% | 4,417 |
| Net interest margin | 3.4905% | 3,662 |
| Noninterest income to average assets | 1.4108% | 473 |
| Noninterest expense to average assets | 2.5612% | 3,445 |
| Loan and lease loss provision to assets | -0.0253% | 5,334 |
| Net operating income to assets | 1.6379% | 830 |
| Return on assets (ROA) | 1.6398% | 828 |
| Pretax return on assets | 2.0529% | 541 |
| Return on Equity (ROE) | 15.8638% | 696 |
| Retained earnings to average equity (ytd only) | 4.0454% | 3,589 |
| Net charge-offs to loans | 0.1010% | 1,342 |
| Credit loss provision to net charge-offs | -36.5553% | 3,991 |
| Earnings coverage of net charge-offs (x) | 29.2412% | 1,529 |
| Efficiency ratio | 55.7924% | 4,502 |
| Assets per employee ($millions) | 10.1129% | 306 |
| Cash dividends to net income (ytd only)* | 74.4994% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 1,898 |
| Loan loss allowance to noncurrent loans | 246.8165% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 3,211 |
| Noncurrent loans to loans | 0.5510% | 2,760 |
| Net loans and leases to total assets | 68.0812% | 2,854 |
| Net loans and leases to deposits | 83.7213% | 2,568 |
| Net loans and leases to core deposits | 86.6031% | 2,862 |
| Total domestic deposits to total assets | 80.5121% | 4,132 |
| Equity capital to assets | 10.3067% | 3,333 |
| Core capital (leverage) ratio | 10.3281% | 3,211 |
| Tier 1 risk-based capital ratio | 10.8103% | 5,150 |
| Total risk-based capital ratio | 12.6137% | 4,763 |
| Memoranda: | ||
| Average total assets | $72,032,280,000 | 37 |
| Average earning assets | $65,533,119,000 | 37 |
| Average equity | $7,446,013,330 | 38 |
| Average total loans | $49,403,835,330 | 32 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6006% | 4,705 |
| Cost of funding earning assets | 0.2467% | 4,729 |
| Net interest margin | 3.3539% | 4,039 |
| Noninterest income to average assets | 1.3964% | 477 |
| Noninterest expense to average assets | 2.5570% | 3,469 |
| Loan and lease loss provision to assets | 0.0765% | 2,235 |
| Net operating income to assets | 1.5127% | 1,054 |
| Return on assets (ROA) | 1.5158% | 1,044 |
| Pretax return on assets | 1.8256% | 866 |
| Return on Equity (ROE) | 14.6418% | 868 |
| Retained earnings to average equity (ytd only) | 9.2734% | 1,373 |
| Net charge-offs to loans | 0.2241% | 671 |
| Credit loss provision to net charge-offs | 49.9420% | 1,953 |
| Earnings coverage of net charge-offs (x) | 12.3930% | 1,803 |
| Efficiency ratio | 57.3367% | 4,428 |
| Assets per employee ($millions) | 10.0225% | 322 |
| Cash dividends to net income (ytd only)* | 36.6644% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 1,776 |
| Loan loss allowance to noncurrent loans | 192.6268% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 2,819 |
| Noncurrent loans to loans | 0.7355% | 2,368 |
| Net loans and leases to total assets | 67.1025% | 2,877 |
| Net loans and leases to deposits | 82.5479% | 2,542 |
| Net loans and leases to core deposits | 84.4878% | 2,936 |
| Total domestic deposits to total assets | 80.5419% | 4,307 |
| Equity capital to assets | 10.3583% | 3,212 |
| Core capital (leverage) ratio | 10.4019% | 3,062 |
| Tier 1 risk-based capital ratio | 11.0794% | 5,094 |
| Total risk-based capital ratio | 12.9629% | 4,622 |
| Memoranda: | ||
| Average total assets | $71,975,763,000 | 36 |
| Average earning assets | $65,645,495,000 | 35 |
| Average equity | $7,451,128,500 | 37 |
| Average total loans | $49,208,495,000 | 30 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3102% | 5,071 |
| Cost of funding earning assets | 0.1677% | 5,171 |
| Net interest margin | 3.1425% | 4,595 |
| Noninterest income to average assets | 1.5809% | 418 |
| Noninterest expense to average assets | 2.5574% | 3,584 |
| Loan and lease loss provision to assets | 0.1014% | 2,199 |
| Net operating income to assets | 1.0883% | 1,893 |
| Return on assets (ROA) | 1.0854% | 1,931 |
| Pretax return on assets | 1.7856% | 818 |
| Return on Equity (ROE) | 10.4298% | 1,702 |
| Retained earnings to average equity (ytd only) | -1.4282% | 5,221 |
| Net charge-offs to loans | 0.1891% | 1,340 |
| Credit loss provision to net charge-offs | 79.0224% | 2,955 |
| Earnings coverage of net charge-offs (x) | 14.7441% | 2,309 |
| Efficiency ratio | 57.4208% | 4,596 |
| Assets per employee ($millions) | 9.8432% | 335 |
| Cash dividends to net income (ytd only)* | 113.6934% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,592 |
| Loan loss allowance to noncurrent loans | 162.7987% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 2,474 |
| Noncurrent loans to loans | 0.8891% | 2,003 |
| Net loans and leases to total assets | 67.6786% | 2,869 |
| Net loans and leases to deposits | 81.8899% | 2,728 |
| Net loans and leases to core deposits | 83.6965% | 3,083 |
| Total domestic deposits to total assets | 81.9322% | 3,886 |
| Equity capital to assets | 10.3462% | 3,334 |
| Core capital (leverage) ratio | 10.0034% | 3,454 |
| Tier 1 risk-based capital ratio | 10.7161% | 5,291 |
| Total risk-based capital ratio | 12.6087% | 4,821 |
| Memoranda: | ||
| Average total assets | $72,284,305,200 | 36 |
| Average earning assets | $65,973,007,000 | 36 |
| Average equity | $7,522,340,800 | 36 |
| Average total loans | $49,038,318,400 | 31 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2340% | 5,192 |
| Cost of funding earning assets | 0.1634% | 5,233 |
| Net interest margin | 3.0706% | 4,774 |
| Noninterest income to average assets | 1.5588% | 448 |
| Noninterest expense to average assets | 2.5291% | 3,633 |
| Loan and lease loss provision to assets | 0.1052% | 2,008 |
| Net operating income to assets | 1.1951% | 1,713 |
| Return on assets (ROA) | 1.1916% | 1,764 |
| Pretax return on assets | 1.7248% | 1,062 |
| Return on Equity (ROE) | 11.4342% | 1,513 |
| Retained earnings to average equity (ytd only) | 0.8042% | 5,035 |
| Net charge-offs to loans | 0.2084% | 1,029 |
| Credit loss provision to net charge-offs | 74.6580% | 2,649 |
| Earnings coverage of net charge-offs (x) | 13.0187% | 2,382 |
| Efficiency ratio | 57.8880% | 4,519 |
| Assets per employee ($millions) | 9.9410% | 317 |
| Cash dividends to net income (ytd only)* | 92.9669% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 1,710 |
| Loan loss allowance to noncurrent loans | 155.9915% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 2,565 |
| Noncurrent loans to loans | 0.9273% | 2,070 |
| Net loans and leases to total assets | 67.1817% | 2,957 |
| Net loans and leases to deposits | 81.9935% | 2,776 |
| Net loans and leases to core deposits | 83.8540% | 3,135 |
| Total domestic deposits to total assets | 81.0749% | 4,025 |
| Equity capital to assets | 10.4819% | 3,396 |
| Core capital (leverage) ratio | 10.1055% | 3,436 |
| Tier 1 risk-based capital ratio | 10.6982% | 5,372 |
| Total risk-based capital ratio | 12.5703% | 4,947 |
| Memoranda: | ||
| Average total assets | $72,453,109,000 | 36 |
| Average earning assets | $66,197,504,500 | 36 |
| Average equity | $7,550,728,750 | 36 |
| Average total loans | $49,003,951,000 | 31 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0931% | 5,353 |
| Cost of funding earning assets | 0.1507% | 5,331 |
| Net interest margin | 2.9424% | 5,015 |
| Noninterest income to average assets | 1.5443% | 456 |
| Noninterest expense to average assets | 2.4117% | 4,016 |
| Loan and lease loss provision to assets | 0.0701% | 2,572 |
| Net operating income to assets | 1.2218% | 1,530 |
| Return on assets (ROA) | 1.2175% | 1,581 |
| Pretax return on assets | 1.7482% | 951 |
| Return on Equity (ROE) | 11.7050% | 1,386 |
| Retained earnings to average equity (ytd only) | 1.4469% | 4,667 |
| Net charge-offs to loans | 0.2100% | 974 |
| Credit loss provision to net charge-offs | 49.4834% | 2,572 |
| Earnings coverage of net charge-offs (x) | 12.8772% | 2,162 |
| Efficiency ratio | 56.8665% | 4,728 |
| Assets per employee ($millions) | 9.7949% | 321 |
| Cash dividends to net income (ytd only)* | 87.6384% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4266% | 1,836 |
| Loan loss allowance to noncurrent loans | 134.5648% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 2,305 |
| Noncurrent loans to loans | 1.0602% | 1,856 |
| Net loans and leases to total assets | 68.0676% | 2,812 |
| Net loans and leases to deposits | 84.0082% | 2,473 |
| Net loans and leases to core deposits | 85.9913% | 2,878 |
| Total domestic deposits to total assets | 80.1407% | 4,375 |
| Equity capital to assets | 10.5845% | 3,250 |
| Core capital (leverage) ratio | 10.0847% | 3,424 |
| Tier 1 risk-based capital ratio | 10.7454% | 5,363 |
| Total risk-based capital ratio | 12.6304% | 4,926 |
| Memoranda: | ||
| Average total assets | $72,540,203,330 | 35 |
| Average earning assets | $66,365,094,000 | 36 |
| Average equity | $7,545,289,330 | 36 |
| Average total loans | $48,934,767,330 | 30 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9702% | 5,488 |
| Cost of funding earning assets | 0.1398% | 5,440 |
| Net interest margin | 2.8304% | 5,202 |
| Noninterest income to average assets | 1.5157% | 473 |
| Noninterest expense to average assets | 2.4307% | 4,028 |
| Loan and lease loss provision to assets | 0.0592% | 2,623 |
| Net operating income to assets | 1.1807% | 1,552 |
| Return on assets (ROA) | 1.1795% | 1,602 |
| Pretax return on assets | 1.6159% | 1,194 |
| Return on Equity (ROE) | 11.4382% | 1,424 |
| Retained earnings to average equity (ytd only) | 3.3651% | 3,756 |
| Net charge-offs to loans | 0.2743% | 665 |
| Credit loss provision to net charge-offs | 32.3772% | 2,102 |
| Earnings coverage of net charge-offs (x) | 9.1675% | 2,010 |
| Efficiency ratio | 59.1104% | 4,578 |
| Assets per employee ($millions) | 9.9537% | 311 |
| Cash dividends to net income (ytd only)* | 70.5798% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 1,811 |
| Loan loss allowance to noncurrent loans | 129.5078% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.7738% | 2,366 |
| Noncurrent loans to loans | 1.1318% | 1,802 |
| Net loans and leases to total assets | 65.1558% | 3,096 |
| Net loans and leases to deposits | 79.3472% | 2,825 |
| Net loans and leases to core deposits | 81.2774% | 3,166 |
| Total domestic deposits to total assets | 81.1712% | 4,377 |
| Equity capital to assets | 10.3550% | 3,339 |
| Core capital (leverage) ratio | 10.0240% | 3,466 |
| Tier 1 risk-based capital ratio | 10.8474% | 5,387 |
| Total risk-based capital ratio | 12.7491% | 4,933 |
| Memoranda: | ||
| Average total assets | $73,034,271,000 | 35 |
| Average earning assets | $66,878,748,000 | 36 |
| Average equity | $7,531,228,500 | 36 |
| Average total loans | $48,697,839,000 | 30 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9061% | 5,574 |
| Cost of funding earning assets | 0.1554% | 5,381 |
| Net interest margin | 2.7507% | 5,355 |
| Noninterest income to average assets | 1.5332% | 513 |
| Noninterest expense to average assets | 2.6807% | 3,408 |
| Loan and lease loss provision to assets | 0.3357% | 527 |
| Net operating income to assets | 0.7350% | 3,619 |
| Return on assets (ROA) | 0.7302% | 3,756 |
| Pretax return on assets | 1.0250% | 3,386 |
| Return on Equity (ROE) | 6.9576% | 3,489 |
| Retained earnings to average equity (ytd only) | -0.1331% | 5,323 |
| Net charge-offs to loans | 0.2948% | 942 |
| Credit loss provision to net charge-offs | 165.5910% | 1,675 |
| Earnings coverage of net charge-offs (x) | 6.7445% | 3,128 |
| Efficiency ratio | 66.1389% | 3,573 |
| Assets per employee ($millions) | 10.0507% | 295 |
| Cash dividends to net income (ytd only)* | 101.9131% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,717 |
| Loan loss allowance to noncurrent loans | 121.5437% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8496% | 2,222 |
| Noncurrent loans to loans | 1.2243% | 1,679 |
| Net loans and leases to total assets | 66.2309% | 3,041 |
| Net loans and leases to deposits | 80.6328% | 2,827 |
| Net loans and leases to core deposits | 82.9259% | 3,133 |
| Total domestic deposits to total assets | 81.0816% | 4,316 |
| Equity capital to assets | 10.2688% | 3,425 |
| Core capital (leverage) ratio | 9.6477% | 3,912 |
| Tier 1 risk-based capital ratio | 10.5115% | 5,568 |
| Total risk-based capital ratio | 12.3960% | 5,144 |
| Memoranda: | ||
| Average total assets | $71,894,384,600 | 34 |
| Average earning assets | $65,732,026,400 | 34 |
| Average equity | $7,545,037,000 | 35 |
| Average total loans | $49,449,326,200 | 29 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9029% | 5,644 |
| Cost of funding earning assets | 0.1563% | 5,443 |
| Net interest margin | 2.7466% | 5,434 |
| Noninterest income to average assets | 1.5274% | 526 |
| Noninterest expense to average assets | 2.7510% | 3,173 |
| Loan and lease loss provision to assets | 0.3763% | 403 |
| Net operating income to assets | 0.6473% | 4,096 |
| Return on assets (ROA) | 0.6435% | 4,235 |
| Pretax return on assets | 0.9067% | 3,957 |
| Return on Equity (ROE) | 6.0982% | 4,025 |
| Retained earnings to average equity (ytd only) | 0.2758% | 5,277 |
| Net charge-offs to loans | 0.2966% | 774 |
| Credit loss provision to net charge-offs | 183.4170% | 1,533 |
| Earnings coverage of net charge-offs (x) | 6.2798% | 3,015 |
| Efficiency ratio | 68.0231% | 3,220 |
| Assets per employee ($millions) | 9.6015% | 337 |
| Cash dividends to net income (ytd only)* | 95.4778% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 1,862 |
| Loan loss allowance to noncurrent loans | 107.0955% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 0.9433% | 2,202 |
| Noncurrent loans to loans | 1.3778% | 1,596 |
| Net loans and leases to total assets | 65.3630% | 3,225 |
| Net loans and leases to deposits | 80.6634% | 2,889 |
| Net loans and leases to core deposits | 83.7975% | 3,144 |
| Total domestic deposits to total assets | 79.3152% | 4,652 |
| Equity capital to assets | 10.2523% | 3,855 |
| Core capital (leverage) ratio | 9.8521% | 3,748 |
| Tier 1 risk-based capital ratio | 10.3883% | 5,665 |
| Total risk-based capital ratio | 12.2454% | 5,286 |
| Memoranda: | ||
| Average total assets | $71,613,425,750 | 34 |
| Average earning assets | $65,495,324,250 | 34 |
| Average equity | $7,556,776,500 | 34 |
| Average total loans | $49,538,878,250 | 29 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9227% | 5,714 |
| Cost of funding earning assets | 0.1515% | 5,538 |
| Net interest margin | 2.7712% | 5,479 |
| Noninterest income to average assets | 1.5320% | 514 |
| Noninterest expense to average assets | 2.7733% | 3,121 |
| Loan and lease loss provision to assets | 0.5307% | 237 |
| Net operating income to assets | 0.5359% | 4,539 |
| Return on assets (ROA) | 0.5305% | 4,679 |
| Pretax return on assets | 0.7570% | 4,434 |
| Return on Equity (ROE) | 4.9778% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.0689% | 5,272 |
| Net charge-offs to loans | 0.3804% | 602 |
| Credit loss provision to net charge-offs | 198.8104% | 1,315 |
| Earnings coverage of net charge-offs (x) | 4.8525% | 2,935 |
| Efficiency ratio | 68.0804% | 3,328 |
| Assets per employee ($millions) | 8.8534% | 411 |
| Cash dividends to net income (ytd only)* | 98.6162% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 2,081 |
| Loan loss allowance to noncurrent loans | 113.8524% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 2,294 |
| Noncurrent loans to loans | 1.2701% | 1,790 |
| Net loans and leases to total assets | 69.6376% | 2,529 |
| Net loans and leases to deposits | 86.8986% | 2,146 |
| Net loans and leases to core deposits | 90.6614% | 2,471 |
| Total domestic deposits to total assets | 78.4286% | 4,906 |
| Equity capital to assets | 10.6566% | 3,464 |
| Core capital (leverage) ratio | 10.0657% | 3,493 |
| Tier 1 risk-based capital ratio | 10.1514% | 5,802 |
| Total risk-based capital ratio | 12.1251% | 5,412 |
| Memoranda: | ||
| Average total assets | $70,725,380,670 | 34 |
| Average earning assets | $64,740,475,330 | 34 |
| Average equity | $7,537,306,330 | 34 |
| Average total loans | $49,626,109,670 | 29 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9280% | 5,758 |
| Cost of funding earning assets | 0.1448% | 5,644 |
| Net interest margin | 2.7832% | 5,497 |
| Noninterest income to average assets | 1.4888% | 508 |
| Noninterest expense to average assets | 2.6867% | 3,467 |
| Loan and lease loss provision to assets | 0.8005% | 130 |
| Net operating income to assets | 0.3858% | 5,038 |
| Return on assets (ROA) | 0.3761% | 5,142 |
| Pretax return on assets | 0.5389% | 4,982 |
| Return on Equity (ROE) | 3.5286% | 5,050 |
| Retained earnings to average equity (ytd only) | -0.7346% | 5,241 |
| Net charge-offs to loans | 0.4232% | 528 |
| Credit loss provision to net charge-offs | 270.5500% | 906 |
| Earnings coverage of net charge-offs (x) | 4.5742% | 2,410 |
| Efficiency ratio | 66.4195% | 3,729 |
| Assets per employee ($millions) | 8.4893% | 477 |
| Cash dividends to net income (ytd only)* | 120.8185% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 2,132 |
| Loan loss allowance to noncurrent loans | 104.1999% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.0437% | 2,125 |
| Noncurrent loans to loans | 1.4072% | 1,701 |
| Net loans and leases to total assets | 70.5208% | 2,264 |
| Net loans and leases to deposits | 85.2295% | 2,168 |
| Net loans and leases to core deposits | 89.0956% | 2,451 |
| Total domestic deposits to total assets | 81.0025% | 4,493 |
| Equity capital to assets | 10.9417% | 3,003 |
| Core capital (leverage) ratio | 10.2652% | 3,243 |
| Tier 1 risk-based capital ratio | 10.2383% | 5,852 |
| Total risk-based capital ratio | 12.2302% | 5,422 |
| Memoranda: | ||
| Average total assets | $70,431,187,000 | 34 |
| Average earning assets | $64,561,213,000 | 34 |
| Average equity | $7,506,138,000 | 34 |
| Average total loans | $49,244,248,500 | 29 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7817% | 5,891 |
| Cost of funding earning assets | 0.1277% | 5,835 |
| Net interest margin | 2.6540% | 5,702 |
| Noninterest income to average assets | 1.5532% | 520 |
| Noninterest expense to average assets | 2.6344% | 3,802 |
| Loan and lease loss provision to assets | 0.1664% | 1,380 |
| Net operating income to assets | 0.8152% | 3,277 |
| Return on assets (ROA) | 0.8126% | 3,363 |
| Pretax return on assets | 1.1767% | 2,743 |
| Return on Equity (ROE) | 7.6768% | 3,148 |
| Retained earnings to average equity (ytd only) | 2.0322% | 4,570 |
| Net charge-offs to loans | 0.1527% | 1,844 |
| Credit loss provision to net charge-offs | 156.0541% | 1,714 |
| Earnings coverage of net charge-offs (x) | 12.6289% | 2,444 |
| Efficiency ratio | 66.0700% | 3,892 |
| Assets per employee ($millions) | 8.8411% | 405 |
| Cash dividends to net income (ytd only)* | 73.5277% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,955 |
| Loan loss allowance to noncurrent loans | 164.7999% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 3,443 |
| Noncurrent loans to loans | 0.7835% | 2,825 |
| Net loans and leases to total assets | 67.4685% | 2,790 |
| Net loans and leases to deposits | 80.0456% | 2,816 |
| Net loans and leases to core deposits | 83.6415% | 2,994 |
| Total domestic deposits to total assets | 82.5806% | 3,985 |
| Equity capital to assets | 10.4024% | 3,486 |
| Core capital (leverage) ratio | 9.9061% | 3,634 |
| Tier 1 risk-based capital ratio | 10.2163% | 5,889 |
| Total risk-based capital ratio | 12.0664% | 5,526 |
| Memoranda: | ||
| Average total assets | $70,297,819,600 | 32 |
| Average earning assets | $64,314,035,600 | 32 |
| Average equity | $7,440,776,200 | 34 |
| Average total loans | $49,105,373,800 | 28 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7757% | 5,976 |
| Cost of funding earning assets | 0.1239% | 5,954 |
| Net interest margin | 2.6518% | 5,786 |
| Noninterest income to average assets | 1.5469% | 523 |
| Noninterest expense to average assets | 2.6121% | 3,832 |
| Loan and lease loss provision to assets | 0.1507% | 1,447 |
| Net operating income to assets | 0.8230% | 3,317 |
| Return on assets (ROA) | 0.8197% | 3,425 |
| Pretax return on assets | 1.2033% | 2,805 |
| Return on Equity (ROE) | 7.7100% | 3,229 |
| Retained earnings to average equity (ytd only) | 2.1483% | 4,811 |
| Net charge-offs to loans | 0.1342% | 1,790 |
| Credit loss provision to net charge-offs | 159.8317% | 1,600 |
| Earnings coverage of net charge-offs (x) | 14.4148% | 2,254 |
| Efficiency ratio | 65.6785% | 3,950 |
| Assets per employee ($millions) | 8.6766% | 416 |
| Cash dividends to net income (ytd only)* | 72.1355% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 3,251 |
| Loan loss allowance to noncurrent loans | 171.5121% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 3,690 |
| Noncurrent loans to loans | 0.7413% | 3,108 |
| Net loans and leases to total assets | 67.9845% | 2,678 |
| Net loans and leases to deposits | 81.0965% | 2,757 |
| Net loans and leases to core deposits | 85.7839% | 2,874 |
| Total domestic deposits to total assets | 81.9012% | 4,194 |
| Equity capital to assets | 10.5915% | 3,488 |
| Core capital (leverage) ratio | 9.9504% | 3,710 |
| Tier 1 risk-based capital ratio | 10.1704% | 5,992 |
| Total risk-based capital ratio | 12.1954% | 5,596 |
| Memoranda: | ||
| Average total assets | $69,902,838,750 | 32 |
| Average earning assets | $63,900,814,500 | 32 |
| Average equity | $7,431,715,750 | 34 |
| Average total loans | $49,099,413,500 | 28 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7743% | 6,036 |
| Cost of funding earning assets | 0.1177% | 6,053 |
| Net interest margin | 2.6566% | 5,815 |
| Noninterest income to average assets | 1.5332% | 542 |
| Noninterest expense to average assets | 2.5963% | 3,920 |
| Loan and lease loss provision to assets | 0.1468% | 1,463 |
| Net operating income to assets | 0.8300% | 3,216 |
| Return on assets (ROA) | 0.8251% | 3,356 |
| Pretax return on assets | 1.2110% | 2,727 |
| Return on Equity (ROE) | 7.7512% | 3,187 |
| Retained earnings to average equity (ytd only) | 2.0746% | 4,665 |
| Net charge-offs to loans | 0.1089% | 1,908 |
| Credit loss provision to net charge-offs | 190.5260% | 1,285 |
| Earnings coverage of net charge-offs (x) | 17.7206% | 1,839 |
| Efficiency ratio | 65.4421% | 4,107 |
| Assets per employee ($millions) | 8.5589% | 427 |
| Cash dividends to net income (ytd only)* | 73.2345% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2412% | 3,557 |
| Loan loss allowance to noncurrent loans | 167.9551% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5502% | 3,776 |
| Noncurrent loans to loans | 0.7390% | 3,264 |
| Net loans and leases to total assets | 70.2847% | 2,276 |
| Net loans and leases to deposits | 82.8987% | 2,446 |
| Net loans and leases to core deposits | 88.2700% | 2,528 |
| Total domestic deposits to total assets | 82.5698% | 4,099 |
| Equity capital to assets | 10.6334% | 3,285 |
| Core capital (leverage) ratio | 10.2296% | 3,298 |
| Tier 1 risk-based capital ratio | 10.0728% | 6,064 |
| Total risk-based capital ratio | 11.7343% | 5,869 |
| Memoranda: | ||
| Average total assets | $69,505,026,670 | 32 |
| Average earning assets | $63,525,306,670 | 32 |
| Average equity | $7,398,899,000 | 34 |
| Average total loans | $49,146,942,330 | 27 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7593% | 6,095 |
| Cost of funding earning assets | 0.1166% | 6,131 |
| Net interest margin | 2.6426% | 5,874 |
| Noninterest income to average assets | 1.5226% | 529 |
| Noninterest expense to average assets | 2.6303% | 3,824 |
| Loan and lease loss provision to assets | 0.0924% | 2,148 |
| Net operating income to assets | 0.8311% | 3,108 |
| Return on assets (ROA) | 0.8235% | 3,266 |
| Pretax return on assets | 1.1995% | 2,670 |
| Return on Equity (ROE) | 7.7319% | 3,104 |
| Retained earnings to average equity (ytd only) | 1.7703% | 4,762 |
| Net charge-offs to loans | 0.0701% | 2,027 |
| Credit loss provision to net charge-offs | 187.0470% | 1,098 |
| Earnings coverage of net charge-offs (x) | 26.3826% | 1,242 |
| Efficiency ratio | 66.7760% | 4,015 |
| Assets per employee ($millions) | 8.5287% | 434 |
| Cash dividends to net income (ytd only)* | 77.1037% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 3,815 |
| Loan loss allowance to noncurrent loans | 215.3942% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4247% | 4,334 |
| Noncurrent loans to loans | 0.5683% | 3,880 |
| Net loans and leases to total assets | 69.9746% | 2,144 |
| Net loans and leases to deposits | 82.3556% | 2,293 |
| Net loans and leases to core deposits | 88.3043% | 2,295 |
| Total domestic deposits to total assets | 82.3116% | 4,410 |
| Equity capital to assets | 10.7077% | 3,314 |
| Core capital (leverage) ratio | 10.2107% | 3,327 |
| Tier 1 risk-based capital ratio | 10.0802% | 6,151 |
| Total risk-based capital ratio | 11.7123% | 5,976 |
| Memoranda: | ||
| Average total assets | $69,294,259,500 | 32 |
| Average earning assets | $63,206,693,000 | 32 |
| Average equity | $7,380,576,000 | 33 |
| Average total loans | $48,837,752,500 | 26 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8761% | 6,153 |
| Cost of funding earning assets | 0.1336% | 6,182 |
| Net interest margin | 2.7425% | 5,884 |
| Noninterest income to average assets | 1.3356% | 690 |
| Noninterest expense to average assets | 2.4269% | 4,770 |
| Loan and lease loss provision to assets | 0.0329% | 3,939 |
| Net operating income to assets | 0.9388% | 2,682 |
| Return on assets (ROA) | 0.9384% | 2,774 |
| Pretax return on assets | 1.3792% | 1,956 |
| Return on Equity (ROE) | 8.6257% | 2,775 |
| Retained earnings to average equity (ytd only) | 3.4008% | 3,788 |
| Net charge-offs to loans | 0.0536% | 3,761 |
| Credit loss provision to net charge-offs | 86.9084% | 2,712 |
| Earnings coverage of net charge-offs (x) | 37.3058% | 1,149 |
| Efficiency ratio | 63.0579% | 4,748 |
| Assets per employee ($millions) | 8.4794% | 438 |
| Cash dividends to net income (ytd only)* | 60.5735% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 3,867 |
| Loan loss allowance to noncurrent loans | 211.9911% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.4267% | 4,397 |
| Noncurrent loans to loans | 0.5766% | 3,940 |
| Net loans and leases to total assets | 69.2588% | 2,344 |
| Net loans and leases to deposits | 81.4611% | 2,549 |
| Net loans and leases to core deposits | 87.2955% | 2,583 |
| Total domestic deposits to total assets | 82.2075% | 4,345 |
| Equity capital to assets | 10.5945% | 3,366 |
| Core capital (leverage) ratio | 10.1413% | 3,379 |
| Tier 1 risk-based capital ratio | 10.2986% | 6,181 |
| Total risk-based capital ratio | 11.8722% | 5,993 |
| Memoranda: | ||
| Average total assets | $66,848,945,800 | 32 |
| Average earning assets | $61,035,163,400 | 32 |
| Average equity | $7,272,920,600 | 33 |
| Average total loans | $47,232,237,400 | 26 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8979% | 6,206 |
| Cost of funding earning assets | 0.1382% | 6,250 |
| Net interest margin | 2.7597% | 5,919 |
| Noninterest income to average assets | 1.3264% | 689 |
| Noninterest expense to average assets | 2.4174% | 4,771 |
| Loan and lease loss provision to assets | 0.0362% | 3,684 |
| Net operating income to assets | 0.9491% | 2,689 |
| Return on assets (ROA) | 0.9485% | 2,784 |
| Pretax return on assets | 1.3937% | 2,036 |
| Return on Equity (ROE) | 8.6584% | 2,869 |
| Retained earnings to average equity (ytd only) | 3.3292% | 4,247 |
| Net charge-offs to loans | 0.0679% | 3,230 |
| Credit loss provision to net charge-offs | 75.3958% | 2,680 |
| Earnings coverage of net charge-offs (x) | 29.7714% | 1,377 |
| Efficiency ratio | 62.6620% | 4,787 |
| Assets per employee ($millions) | 8.3692% | 443 |
| Cash dividends to net income (ytd only)* | 61.5500% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 4,020 |
| Loan loss allowance to noncurrent loans | 171.6135% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 4,292 |
| Noncurrent loans to loans | 0.7227% | 3,799 |
| Net loans and leases to total assets | 68.4853% | 2,466 |
| Net loans and leases to deposits | 80.1001% | 2,674 |
| Net loans and leases to core deposits | 86.1499% | 2,649 |
| Total domestic deposits to total assets | 82.6840% | 4,239 |
| Equity capital to assets | 10.7145% | 3,278 |
| Core capital (leverage) ratio | 10.5746% | 2,953 |
| Tier 1 risk-based capital ratio | 10.4387% | 6,226 |
| Total risk-based capital ratio | 12.2441% | 5,940 |
| Memoranda: | ||
| Average total assets | $66,233,620,000 | 33 |
| Average earning assets | $60,524,167,250 | 33 |
| Average equity | $7,255,385,250 | 32 |
| Average total loans | $46,890,908,750 | 27 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9460% | 6,222 |
| Cost of funding earning assets | 0.1465% | 6,284 |
| Net interest margin | 2.7995% | 5,912 |
| Noninterest income to average assets | 1.3446% | 661 |
| Noninterest expense to average assets | 2.4905% | 4,603 |
| Loan and lease loss provision to assets | 0.0428% | 3,460 |
| Net operating income to assets | 0.9311% | 2,647 |
| Return on assets (ROA) | 0.9338% | 2,738 |
| Pretax return on assets | 1.3669% | 2,014 |
| Return on Equity (ROE) | 8.4593% | 2,859 |
| Retained earnings to average equity (ytd only) | 2.9165% | 4,348 |
| Net charge-offs to loans | 0.0896% | 2,787 |
| Credit loss provision to net charge-offs | 67.0241% | 2,520 |
| Earnings coverage of net charge-offs (x) | 22.0004% | 1,523 |
| Efficiency ratio | 63.7500% | 4,730 |
| Assets per employee ($millions) | 7.9293% | 514 |
| Cash dividends to net income (ytd only)* | 65.5233% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 4,258 |
| Loan loss allowance to noncurrent loans | 176.8348% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 4,390 |
| Noncurrent loans to loans | 0.6980% | 3,966 |
| Net loans and leases to total assets | 72.4920% | 1,650 |
| Net loans and leases to deposits | 85.8659% | 1,827 |
| Net loans and leases to core deposits | 92.3542% | 1,916 |
| Total domestic deposits to total assets | 82.1433% | 4,597 |
| Equity capital to assets | 11.2030% | 2,692 |
| Core capital (leverage) ratio | 10.7096% | 2,712 |
| Tier 1 risk-based capital ratio | 10.2864% | 6,310 |
| Total risk-based capital ratio | 12.2333% | 6,002 |
| Memoranda: | ||
| Average total assets | $65,377,109,670 | 33 |
| Average earning assets | $59,590,307,330 | 33 |
| Average equity | $7,216,533,000 | 32 |
| Average total loans | $46,617,274,330 | 27 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9210% | 6,307 |
| Cost of funding earning assets | 0.1494% | 6,358 |
| Net interest margin | 2.7716% | 5,993 |
| Noninterest income to average assets | 1.3013% | 662 |
| Noninterest expense to average assets | 2.4655% | 4,740 |
| Loan and lease loss provision to assets | 0.0489% | 3,118 |
| Net operating income to assets | 0.8973% | 2,669 |
| Return on assets (ROA) | 0.9025% | 2,707 |
| Pretax return on assets | 1.3205% | 2,026 |
| Return on Equity (ROE) | 8.2373% | 2,822 |
| Retained earnings to average equity (ytd only) | 2.1008% | 4,760 |
| Net charge-offs to loans | 0.0999% | 2,171 |
| Credit loss provision to net charge-offs | 69.6682% | 2,008 |
| Earnings coverage of net charge-offs (x) | 19.4022% | 1,377 |
| Efficiency ratio | 64.2843% | 4,815 |
| Assets per employee ($millions) | 7.9717% | 492 |
| Cash dividends to net income (ytd only)* | 74.4965% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 4,233 |
| Loan loss allowance to noncurrent loans | 180.2460% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 4,567 |
| Noncurrent loans to loans | 0.7092% | 4,096 |
| Net loans and leases to total assets | 69.8724% | 1,910 |
| Net loans and leases to deposits | 84.2248% | 1,799 |
| Net loans and leases to core deposits | 90.9608% | 1,830 |
| Total domestic deposits to total assets | 80.5413% | 5,375 |
| Equity capital to assets | 10.9926% | 2,717 |
| Core capital (leverage) ratio | 10.6292% | 2,780 |
| Tier 1 risk-based capital ratio | 10.3587% | 6,376 |
| Total risk-based capital ratio | 12.6153% | 5,935 |
| Memoranda: | ||
| Average total assets | $65,444,321,500 | 33 |
| Average earning assets | $59,643,394,500 | 33 |
| Average equity | $7,170,217,000 | 32 |
| Average total loans | $45,982,518,000 | 27 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0439% | 6,297 |
| Cost of funding earning assets | 0.1736% | 6,423 |
| Net interest margin | 2.8703% | 5,853 |
| Noninterest income to average assets | 1.3094% | 806 |
| Noninterest expense to average assets | 2.6315% | 4,348 |
| Loan and lease loss provision to assets | 0.0651% | 3,825 |
| Net operating income to assets | 0.9013% | 2,770 |
| Return on assets (ROA) | 0.9002% | 2,864 |
| Pretax return on assets | 1.2254% | 2,479 |
| Return on Equity (ROE) | 8.2976% | 2,887 |
| Retained earnings to average equity (ytd only) | 1.4430% | 5,171 |
| Net charge-offs to loans | 0.1603% | 3,204 |
| Credit loss provision to net charge-offs | 57.9063% | 3,627 |
| Earnings coverage of net charge-offs (x) | 11.4987% | 2,231 |
| Efficiency ratio | 66.9031% | 4,386 |
| Assets per employee ($millions) | 7.8718% | 503 |
| Cash dividends to net income (ytd only)* | 82.6096% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,065 |
| Loan loss allowance to noncurrent loans | 161.4371% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5871% | 4,474 |
| Noncurrent loans to loans | 0.8146% | 3,936 |
| Net loans and leases to total assets | 68.8260% | 2,208 |
| Net loans and leases to deposits | 83.1458% | 2,036 |
| Net loans and leases to core deposits | 89.4796% | 2,085 |
| Total domestic deposits to total assets | 80.5178% | 5,314 |
| Equity capital to assets | 10.9196% | 2,688 |
| Core capital (leverage) ratio | 10.5917% | 2,790 |
| Tier 1 risk-based capital ratio | 10.4595% | 6,378 |
| Total risk-based capital ratio | 12.7561% | 5,848 |
| Memoranda: | ||
| Average total assets | $64,548,149,400 | 32 |
| Average earning assets | $58,789,329,400 | 32 |
| Average equity | $7,002,612,800 | 33 |
| Average total loans | $45,249,346,800 | 27 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0297% | 6,395 |
| Cost of funding earning assets | 0.1789% | 6,511 |
| Net interest margin | 2.8508% | 5,917 |
| Noninterest income to average assets | 1.3195% | 850 |
| Noninterest expense to average assets | 2.5338% | 4,607 |
| Loan and lease loss provision to assets | 0.0725% | 3,611 |
| Net operating income to assets | 0.9520% | 2,585 |
| Return on assets (ROA) | 0.9498% | 2,698 |
| Pretax return on assets | 1.3056% | 2,312 |
| Return on Equity (ROE) | 8.7690% | 2,756 |
| Retained earnings to average equity (ytd only) | 1.6946% | 5,293 |
| Net charge-offs to loans | 0.1763% | 2,811 |
| Credit loss provision to net charge-offs | 58.5833% | 3,330 |
| Earnings coverage of net charge-offs (x) | 11.1629% | 2,272 |
| Efficiency ratio | 64.5555% | 4,714 |
| Assets per employee ($millions) | 7.6547% | 546 |
| Cash dividends to net income (ytd only)* | 80.6747% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 4,040 |
| Loan loss allowance to noncurrent loans | 128.2598% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7651% | 4,194 |
| Noncurrent loans to loans | 1.0662% | 3,669 |
| Net loans and leases to total assets | 67.4318% | 2,385 |
| Net loans and leases to deposits | 81.3790% | 2,216 |
| Net loans and leases to core deposits | 87.9029% | 2,205 |
| Total domestic deposits to total assets | 80.3808% | 5,395 |
| Equity capital to assets | 10.7704% | 2,991 |
| Core capital (leverage) ratio | 10.7282% | 2,759 |
| Tier 1 risk-based capital ratio | 10.5665% | 6,433 |
| Total risk-based capital ratio | 13.1011% | 5,823 |
| Memoranda: | ||
| Average total assets | $64,384,714,750 | 32 |
| Average earning assets | $58,615,567,250 | 32 |
| Average equity | $6,973,325,000 | 33 |
| Average total loans | $45,193,224,500 | 27 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0427% | 6,404 |
| Cost of funding earning assets | 0.1843% | 6,553 |
| Net interest margin | 2.8584% | 5,879 |
| Noninterest income to average assets | 1.2894% | 928 |
| Noninterest expense to average assets | 2.5337% | 4,612 |
| Loan and lease loss provision to assets | 0.0777% | 3,507 |
| Net operating income to assets | 0.9337% | 2,649 |
| Return on assets (ROA) | 0.9291% | 2,803 |
| Pretax return on assets | 1.2751% | 2,386 |
| Return on Equity (ROE) | 8.5624% | 2,814 |
| Retained earnings to average equity (ytd only) | 1.6845% | 5,174 |
| Net charge-offs to loans | 0.1771% | 2,699 |
| Credit loss provision to net charge-offs | 62.0024% | 2,981 |
| Earnings coverage of net charge-offs (x) | 10.8393% | 2,116 |
| Efficiency ratio | 64.9191% | 4,721 |
| Assets per employee ($millions) | 7.5989% | 536 |
| Cash dividends to net income (ytd only)* | 80.3269% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 4,273 |
| Loan loss allowance to noncurrent loans | 126.6737% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.8181% | 4,186 |
| Noncurrent loans to loans | 1.0647% | 3,796 |
| Net loans and leases to total assets | 71.3509% | 1,666 |
| Net loans and leases to deposits | 86.5446% | 1,507 |
| Net loans and leases to core deposits | 94.0826% | 1,514 |
| Total domestic deposits to total assets | 80.1182% | 5,581 |
| Equity capital to assets | 11.0246% | 2,730 |
| Core capital (leverage) ratio | 10.7092% | 2,658 |
| Tier 1 risk-based capital ratio | 10.3288% | 6,561 |
| Total risk-based capital ratio | 13.0290% | 5,881 |
| Memoranda: | ||
| Average total assets | $64,316,111,670 | 32 |
| Average earning assets | $58,576,874,000 | 32 |
| Average equity | $6,978,874,000 | 33 |
| Average total loans | $45,538,157,670 | 26 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0223% | 6,488 |
| Cost of funding earning assets | 0.1882% | 6,631 |
| Net interest margin | 2.8340% | 5,959 |
| Noninterest income to average assets | 1.2541% | 973 |
| Noninterest expense to average assets | 2.5304% | 4,652 |
| Loan and lease loss provision to assets | 0.0738% | 3,399 |
| Net operating income to assets | 0.8872% | 2,712 |
| Return on assets (ROA) | 0.8878% | 2,853 |
| Pretax return on assets | 1.2289% | 2,476 |
| Return on Equity (ROE) | 8.2454% | 2,850 |
| Retained earnings to average equity (ytd only) | 0.5343% | 5,616 |
| Net charge-offs to loans | 0.2078% | 2,171 |
| Credit loss provision to net charge-offs | 50.6885% | 2,588 |
| Earnings coverage of net charge-offs (x) | 8.9419% | 1,901 |
| Efficiency ratio | 65.8588% | 4,689 |
| Assets per employee ($millions) | 7.8146% | 525 |
| Cash dividends to net income (ytd only)* | 93.5194% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 4,385 |
| Loan loss allowance to noncurrent loans | 115.0245% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8842% | 4,175 |
| Noncurrent loans to loans | 1.1899% | 3,784 |
| Net loans and leases to total assets | 68.5809% | 1,909 |
| Net loans and leases to deposits | 84.3493% | 1,554 |
| Net loans and leases to core deposits | 91.5553% | 1,550 |
| Total domestic deposits to total assets | 79.1968% | 5,925 |
| Equity capital to assets | 10.8119% | 3,184 |
| Core capital (leverage) ratio | 10.6581% | 2,586 |
| Tier 1 risk-based capital ratio | 10.2714% | 6,644 |
| Total risk-based capital ratio | 13.0615% | 5,997 |
| Memoranda: | ||
| Average total assets | $65,041,228,000 | 32 |
| Average earning assets | $59,169,326,000 | 32 |
| Average equity | $7,002,967,500 | 33 |
| Average total loans | $45,572,921,000 | 25 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3079% | 6,573 |
| Cost of funding earning assets | 0.2204% | 6,777 |
| Net interest margin | 3.0875% | 5,848 |
| Noninterest income to average assets | 1.3429% | 857 |
| Noninterest expense to average assets | 2.7449% | 4,233 |
| Loan and lease loss provision to assets | 0.1160% | 4,178 |
| Net operating income to assets | 0.9039% | 2,795 |
| Return on assets (ROA) | 0.9179% | 2,963 |
| Pretax return on assets | 1.2735% | 2,504 |
| Return on Equity (ROE) | 8.1889% | 3,008 |
| Retained earnings to average equity (ytd only) | 1.2416% | 5,249 |
| Net charge-offs to loans | 0.3872% | 2,705 |
| Credit loss provision to net charge-offs | 42.8281% | 4,870 |
| Earnings coverage of net charge-offs (x) | 5.0580% | 3,158 |
| Efficiency ratio | 66.3623% | 4,433 |
| Assets per employee ($millions) | 7.8437% | 537 |
| Cash dividends to net income (ytd only)* | 84.8381% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 4,330 |
| Loan loss allowance to noncurrent loans | 112.4604% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 4,164 |
| Noncurrent loans to loans | 1.2136% | 3,822 |
| Net loans and leases to total assets | 69.6360% | 1,910 |
| Net loans and leases to deposits | 86.1568% | 1,496 |
| Net loans and leases to core deposits | 93.1815% | 1,538 |
| Total domestic deposits to total assets | 78.5105% | 5,987 |
| Equity capital to assets | 10.7224% | 3,252 |
| Core capital (leverage) ratio | 10.4820% | 2,789 |
| Tier 1 risk-based capital ratio | 10.0874% | 6,678 |
| Total risk-based capital ratio | 12.8458% | 5,996 |
| Memoranda: | ||
| Average total assets | $62,928,594,600 | 32 |
| Average earning assets | $56,500,494,200 | 31 |
| Average equity | $7,053,815,200 | 33 |
| Average total loans | $44,017,278,000 | 26 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 6,662 |
| Cost of funding earning assets | 0.2267% | 6,883 |
| Net interest margin | 3.1385% | 5,845 |
| Noninterest income to average assets | 1.3610% | 804 |
| Noninterest expense to average assets | 2.7853% | 4,034 |
| Loan and lease loss provision to assets | 0.1155% | 4,122 |
| Net operating income to assets | 0.9266% | 2,845 |
| Return on assets (ROA) | 0.9431% | 3,002 |
| Pretax return on assets | 1.2970% | 2,620 |
| Return on Equity (ROE) | 8.3188% | 3,125 |
| Retained earnings to average equity (ytd only) | 1.5280% | 5,574 |
| Net charge-offs to loans | 0.4083% | 2,462 |
| Credit loss provision to net charge-offs | 40.5284% | 4,606 |
| Earnings coverage of net charge-offs (x) | 4.8780% | 3,171 |
| Efficiency ratio | 66.3683% | 4,380 |
| Assets per employee ($millions) | 7.5636% | 578 |
| Cash dividends to net income (ytd only)* | 81.6325% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 4,101 |
| Loan loss allowance to noncurrent loans | 88.2243% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.2673% | 3,761 |
| Noncurrent loans to loans | 1.6577% | 3,305 |
| Net loans and leases to total assets | 68.8564% | 2,141 |
| Net loans and leases to deposits | 86.1980% | 1,582 |
| Net loans and leases to core deposits | 93.6910% | 1,608 |
| Total domestic deposits to total assets | 77.5519% | 6,154 |
| Equity capital to assets | 11.2937% | 2,945 |
| Core capital (leverage) ratio | 10.7101% | 2,688 |
| Tier 1 risk-based capital ratio | 10.3300% | 6,722 |
| Total risk-based capital ratio | 13.3941% | 5,832 |
| Memoranda: | ||
| Average total assets | $62,347,705,500 | 34 |
| Average earning assets | $55,905,834,750 | 32 |
| Average equity | $7,068,127,000 | 33 |
| Average total loans | $43,504,672,750 | 27 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4235% | 6,706 |
| Cost of funding earning assets | 0.2326% | 6,965 |
| Net interest margin | 3.1909% | 5,768 |
| Noninterest income to average assets | 1.3811% | 758 |
| Noninterest expense to average assets | 2.8725% | 3,736 |
| Loan and lease loss provision to assets | 0.1000% | 4,281 |
| Net operating income to assets | 0.9134% | 2,844 |
| Return on assets (ROA) | 0.9384% | 2,982 |
| Pretax return on assets | 1.2979% | 2,563 |
| Return on Equity (ROE) | 8.2670% | 3,132 |
| Retained earnings to average equity (ytd only) | 1.7338% | 5,326 |
| Net charge-offs to loans | 0.4181% | 2,360 |
| Credit loss provision to net charge-offs | 34.2761% | 4,370 |
| Earnings coverage of net charge-offs (x) | 4.6744% | 3,021 |
| Efficiency ratio | 67.4775% | 4,239 |
| Assets per employee ($millions) | 7.4748% | 591 |
| Cash dividends to net income (ytd only)* | 79.0278% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 3,945 |
| Loan loss allowance to noncurrent loans | 83.8665% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.3868% | 3,650 |
| Noncurrent loans to loans | 1.8057% | 3,206 |
| Net loans and leases to total assets | 69.2499% | 2,065 |
| Net loans and leases to deposits | 86.7997% | 1,502 |
| Net loans and leases to core deposits | 94.5358% | 1,548 |
| Total domestic deposits to total assets | 77.6815% | 6,218 |
| Equity capital to assets | 11.3110% | 2,776 |
| Core capital (leverage) ratio | 10.8824% | 2,409 |
| Tier 1 risk-based capital ratio | 10.3100% | 6,752 |
| Total risk-based capital ratio | 13.5675% | 5,686 |
| Memoranda: | ||
| Average total assets | $62,027,700,670 | 34 |
| Average earning assets | $55,488,377,330 | 32 |
| Average equity | $7,040,906,000 | 33 |
| Average total loans | $43,260,107,330 | 26 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4854% | 6,717 |
| Cost of funding earning assets | 0.2361% | 7,041 |
| Net interest margin | 3.2493% | 5,627 |
| Noninterest income to average assets | 1.3541% | 782 |
| Noninterest expense to average assets | 2.8910% | 3,658 |
| Loan and lease loss provision to assets | 0.1490% | 3,498 |
| Net operating income to assets | 0.8794% | 3,021 |
| Return on assets (ROA) | 0.9019% | 3,131 |
| Pretax return on assets | 1.2414% | 2,759 |
| Return on Equity (ROE) | 7.9310% | 3,313 |
| Retained earnings to average equity (ytd only) | 4.5125% | 3,878 |
| Net charge-offs to loans | 0.4221% | 2,038 |
| Credit loss provision to net charge-offs | 50.8287% | 3,270 |
| Earnings coverage of net charge-offs (x) | 4.6378% | 2,534 |
| Efficiency ratio | 67.6724% | 4,241 |
| Assets per employee ($millions) | 7.3103% | 647 |
| Cash dividends to net income (ytd only)* | 43.1038% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 3,594 |
| Loan loss allowance to noncurrent loans | 76.5582% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.5881% | 3,473 |
| Noncurrent loans to loans | 2.1361% | 2,984 |
| Net loans and leases to total assets | 67.7402% | 2,158 |
| Net loans and leases to deposits | 85.0436% | 1,530 |
| Net loans and leases to core deposits | 92.4636% | 1,603 |
| Total domestic deposits to total assets | 77.7084% | 6,309 |
| Equity capital to assets | 11.3196% | 2,611 |
| Core capital (leverage) ratio | 10.9657% | 2,288 |
| Tier 1 risk-based capital ratio | 10.2852% | 6,799 |
| Total risk-based capital ratio | 13.6667% | 5,634 |
| Memoranda: | ||
| Average total assets | $61,736,903,000 | 34 |
| Average earning assets | $55,037,160,500 | 32 |
| Average equity | $7,020,481,500 | 33 |
| Average total loans | $42,878,383,500 | 26 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5503% | 6,964 |
| Cost of funding earning assets | 0.2826% | 7,133 |
| Net interest margin | 3.2676% | 5,909 |
| Noninterest income to average assets | 1.4066% | 655 |
| Noninterest expense to average assets | 2.9524% | 3,757 |
| Loan and lease loss provision to assets | 0.2687% | 3,526 |
| Net operating income to assets | 0.8092% | 2,998 |
| Return on assets (ROA) | 0.8272% | 3,086 |
| Pretax return on assets | 1.1393% | 2,697 |
| Return on Equity (ROE) | 7.3699% | 3,211 |
| Retained earnings to average equity (ytd only) | 2.9106% | 4,170 |
| Net charge-offs to loans | 0.8099% | 2,126 |
| Credit loss provision to net charge-offs | 46.6095% | 5,500 |
| Earnings coverage of net charge-offs (x) | 2.3995% | 4,013 |
| Efficiency ratio | 67.8899% | 4,387 |
| Assets per employee ($millions) | 6.9490% | 755 |
| Cash dividends to net income (ytd only)* | 60.5061% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 3,202 |
| Loan loss allowance to noncurrent loans | 75.3755% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 1.7446% | 3,333 |
| Noncurrent loans to loans | 2.2554% | 2,892 |
| Net loans and leases to total assets | 68.8642% | 2,238 |
| Net loans and leases to deposits | 86.9278% | 1,542 |
| Net loans and leases to core deposits | 94.0757% | 1,689 |
| Total domestic deposits to total assets | 77.0406% | 6,334 |
| Equity capital to assets | 11.4249% | 2,570 |
| Core capital (leverage) ratio | 10.9189% | 2,333 |
| Tier 1 risk-based capital ratio | 10.4027% | 6,731 |
| Total risk-based capital ratio | 13.9049% | 5,316 |
| Memoranda: | ||
| Average total assets | $56,939,498,600 | 34 |
| Average earning assets | $51,040,673,000 | 32 |
| Average equity | $6,391,264,800 | 34 |
| Average total loans | $40,528,467,600 | 27 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 7,065 |
| Cost of funding earning assets | 0.2936% | 7,220 |
| Net interest margin | 3.2436% | 6,036 |
| Noninterest income to average assets | 1.4464% | 631 |
| Noninterest expense to average assets | 2.9633% | 3,694 |
| Loan and lease loss provision to assets | 0.3194% | 2,982 |
| Net operating income to assets | 0.7809% | 3,249 |
| Return on assets (ROA) | 0.8126% | 3,257 |
| Pretax return on assets | 1.1146% | 2,949 |
| Return on Equity (ROE) | 7.2751% | 3,389 |
| Retained earnings to average equity (ytd only) | 3.0069% | 4,547 |
| Net charge-offs to loans | 0.8962% | 1,785 |
| Credit loss provision to net charge-offs | 49.8610% | 5,040 |
| Earnings coverage of net charge-offs (x) | 2.1706% | 4,046 |
| Efficiency ratio | 67.9495% | 4,333 |
| Assets per employee ($millions) | 6.7085% | 851 |
| Cash dividends to net income (ytd only)* | 58.6687% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8580% | 2,756 |
| Loan loss allowance to noncurrent loans | 71.9251% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.9031% | 3,262 |
| Noncurrent loans to loans | 2.5833% | 2,682 |
| Net loans and leases to total assets | 66.5920% | 2,766 |
| Net loans and leases to deposits | 84.3523% | 1,941 |
| Net loans and leases to core deposits | 91.3808% | 2,071 |
| Total domestic deposits to total assets | 76.7792% | 6,410 |
| Equity capital to assets | 11.5899% | 2,598 |
| Core capital (leverage) ratio | 11.3673% | 2,117 |
| Tier 1 risk-based capital ratio | 10.6063% | 6,733 |
| Total risk-based capital ratio | 14.4409% | 4,936 |
| Memoranda: | ||
| Average total assets | $55,931,741,500 | 34 |
| Average earning assets | $50,134,073,250 | 35 |
| Average equity | $6,247,619,750 | 33 |
| Average total loans | $39,982,331,500 | 27 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5600% | 7,127 |
| Cost of funding earning assets | 0.3058% | 7,298 |
| Net interest margin | 3.2542% | 5,993 |
| Noninterest income to average assets | 1.4987% | 575 |
| Noninterest expense to average assets | 3.0026% | 3,630 |
| Loan and lease loss provision to assets | 0.3535% | 2,664 |
| Net operating income to assets | 0.7616% | 3,239 |
| Return on assets (ROA) | 0.7777% | 3,291 |
| Pretax return on assets | 1.0831% | 2,920 |
| Return on Equity (ROE) | 7.0618% | 3,421 |
| Retained earnings to average equity (ytd only) | 3.2163% | 4,222 |
| Net charge-offs to loans | 0.9681% | 1,621 |
| Credit loss provision to net charge-offs | 50.1379% | 4,581 |
| Earnings coverage of net charge-offs (x) | 2.0057% | 3,865 |
| Efficiency ratio | 67.9765% | 4,520 |
| Assets per employee ($millions) | 6.5233% | 920 |
| Cash dividends to net income (ytd only)* | 54.4549% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0557% | 2,221 |
| Loan loss allowance to noncurrent loans | 80.1302% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.9977% | 3,237 |
| Noncurrent loans to loans | 2.5654% | 2,811 |
| Net loans and leases to total assets | 71.0287% | 1,998 |
| Net loans and leases to deposits | 90.8130% | 1,178 |
| Net loans and leases to core deposits | 99.0120% | 1,432 |
| Total domestic deposits to total assets | 75.8406% | 6,619 |
| Equity capital to assets | 11.2322% | 2,738 |
| Core capital (leverage) ratio | 11.3315% | 2,029 |
| Tier 1 risk-based capital ratio | 10.4629% | 6,803 |
| Total risk-based capital ratio | 14.3603% | 4,804 |
| Memoranda: | ||
| Average total assets | $54,307,132,000 | 35 |
| Average earning assets | $48,700,114,000 | 35 |
| Average equity | $5,981,063,000 | 35 |
| Average total loans | $39,557,036,670 | 28 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 7,168 |
| Cost of funding earning assets | 0.3027% | 7,386 |
| Net interest margin | 3.2606% | 5,901 |
| Noninterest income to average assets | 1.5085% | 571 |
| Noninterest expense to average assets | 2.9922% | 3,679 |
| Loan and lease loss provision to assets | 0.3601% | 2,396 |
| Net operating income to assets | 0.8029% | 3,017 |
| Return on assets (ROA) | 0.8143% | 3,016 |
| Pretax return on assets | 1.0976% | 2,762 |
| Return on Equity (ROE) | 7.4672% | 3,167 |
| Retained earnings to average equity (ytd only) | 4.7713% | 3,322 |
| Net charge-offs to loans | 1.0235% | 1,331 |
| Credit loss provision to net charge-offs | 48.2023% | 3,793 |
| Earnings coverage of net charge-offs (x) | 1.9308% | 3,346 |
| Efficiency ratio | 67.4681% | 4,760 |
| Assets per employee ($millions) | 6.6034% | 880 |
| Cash dividends to net income (ytd only)* | 36.1034% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1655% | 2,041 |
| Loan loss allowance to noncurrent loans | 79.4418% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 2.0836% | 3,216 |
| Noncurrent loans to loans | 2.7259% | 2,771 |
| Net loans and leases to total assets | 69.6636% | 2,189 |
| Net loans and leases to deposits | 90.3745% | 1,189 |
| Net loans and leases to core deposits | 98.8810% | 1,439 |
| Total domestic deposits to total assets | 74.5654% | 6,848 |
| Equity capital to assets | 10.8506% | 2,823 |
| Core capital (leverage) ratio | 11.4221% | 1,894 |
| Tier 1 risk-based capital ratio | 10.3830% | 6,874 |
| Total risk-based capital ratio | 14.3550% | 4,717 |
| Memoranda: | ||
| Average total assets | $54,425,010,500 | 35 |
| Average earning assets | $48,843,217,000 | 34 |
| Average equity | $5,934,896,000 | 34 |
| Average total loans | $39,729,407,500 | 28 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 7,318 |
| Cost of funding earning assets | 0.3527% | 7,467 |
| Net interest margin | 3.3249% | 5,892 |
| Noninterest income to average assets | 1.4342% | 697 |
| Noninterest expense to average assets | 2.8769% | 4,322 |
| Loan and lease loss provision to assets | 0.8553% | 1,911 |
| Net operating income to assets | 0.5514% | 3,882 |
| Return on assets (ROA) | 0.5866% | 3,892 |
| Pretax return on assets | 0.7295% | 3,872 |
| Return on Equity (ROE) | 5.6500% | 3,759 |
| Retained earnings to average equity (ytd only) | 5.3068% | 2,243 |
| Net charge-offs to loans | 1.3804% | 1,616 |
| Credit loss provision to net charge-offs | 85.1185% | 5,338 |
| Earnings coverage of net charge-offs (x) | 1.5411% | 4,591 |
| Efficiency ratio | 65.0062% | 5,163 |
| Assets per employee ($millions) | 6.4052% | 984 |
| Cash dividends to net income (ytd only)* | 6.0745% | 3,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2390% | 1,796 |
| Loan loss allowance to noncurrent loans | 78.9117% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 2.3399% | 2,930 |
| Noncurrent loans to loans | 2.8373% | 2,682 |
| Net loans and leases to total assets | 73.1577% | 1,833 |
| Net loans and leases to deposits | 95.6571% | 899 |
| Net loans and leases to core deposits | 103.9804% | 1,314 |
| Total domestic deposits to total assets | 73.9916% | 6,897 |
| Equity capital to assets | 10.9601% | 2,722 |
| Core capital (leverage) ratio | 11.3199% | 1,943 |
| Tier 1 risk-based capital ratio | 10.1749% | 6,889 |
| Total risk-based capital ratio | 14.1141% | 4,687 |
| Memoranda: | ||
| Average total assets | $56,123,770,800 | 34 |
| Average earning assets | $50,489,045,400 | 32 |
| Average equity | $5,827,378,400 | 31 |
| Average total loans | $40,850,546,600 | 27 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6866% | 7,453 |
| Cost of funding earning assets | 0.3656% | 7,597 |
| Net interest margin | 3.3209% | 5,950 |
| Noninterest income to average assets | 1.3810% | 710 |
| Noninterest expense to average assets | 2.7664% | 4,618 |
| Loan and lease loss provision to assets | 0.9946% | 1,495 |
| Net operating income to assets | 0.4876% | 4,375 |
| Return on assets (ROA) | 0.5338% | 4,340 |
| Pretax return on assets | 0.6558% | 4,404 |
| Return on Equity (ROE) | 5.2098% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.2098% | 2,835 |
| Net charge-offs to loans | 1.4680% | 1,375 |
| Credit loss provision to net charge-offs | 93.7097% | 4,631 |
| Earnings coverage of net charge-offs (x) | 1.5103% | 4,597 |
| Efficiency ratio | 63.3107% | 5,379 |
| Assets per employee ($millions) | 6.4841% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3740% | 1,508 |
| Loan loss allowance to noncurrent loans | 75.5431% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 2.5316% | 2,835 |
| Noncurrent loans to loans | 3.1426% | 2,539 |
| Net loans and leases to total assets | 71.6180% | 2,335 |
| Net loans and leases to deposits | 94.6508% | 1,136 |
| Net loans and leases to core deposits | 104.3596% | 1,450 |
| Total domestic deposits to total assets | 72.3053% | 7,105 |
| Equity capital to assets | 10.8586% | 3,101 |
| Core capital (leverage) ratio | 10.9744% | 2,280 |
| Tier 1 risk-based capital ratio | 10.0189% | 7,059 |
| Total risk-based capital ratio | 13.9538% | 4,792 |
| Memoranda: | ||
| Average total assets | $56,705,370,750 | 34 |
| Average earning assets | $51,025,907,500 | 32 |
| Average equity | $5,810,164,500 | 31 |
| Average total loans | $40,998,614,500 | 26 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 7,533 |
| Cost of funding earning assets | 0.3772% | 7,673 |
| Net interest margin | 3.3183% | 5,951 |
| Noninterest income to average assets | 1.3729% | 667 |
| Noninterest expense to average assets | 2.7310% | 4,782 |
| Loan and lease loss provision to assets | 1.0507% | 1,378 |
| Net operating income to assets | 0.4644% | 4,489 |
| Return on assets (ROA) | 0.5337% | 4,330 |
| Pretax return on assets | 0.6516% | 4,393 |
| Return on Equity (ROE) | 5.3098% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.3098% | 2,721 |
| Net charge-offs to loans | 1.5486% | 1,233 |
| Credit loss provision to net charge-offs | 94.2796% | 4,291 |
| Earnings coverage of net charge-offs (x) | 1.4634% | 4,388 |
| Efficiency ratio | 62.6077% | 5,591 |
| Assets per employee ($millions) | 6.5522% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3792% | 1,458 |
| Loan loss allowance to noncurrent loans | 79.6635% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 2.3494% | 3,078 |
| Noncurrent loans to loans | 2.9866% | 2,688 |
| Net loans and leases to total assets | 71.1105% | 2,628 |
| Net loans and leases to deposits | 97.7515% | 898 |
| Net loans and leases to core deposits | 107.9372% | 1,300 |
| Total domestic deposits to total assets | 69.7761% | 7,341 |
| Equity capital to assets | 10.5586% | 3,338 |
| Core capital (leverage) ratio | 10.5256% | 2,610 |
| Tier 1 risk-based capital ratio | 9.8463% | 7,103 |
| Total risk-based capital ratio | 13.7706% | 4,814 |
| Memoranda: | ||
| Average total assets | $57,295,930,000 | 34 |
| Average earning assets | $51,609,318,000 | 32 |
| Average equity | $5,758,537,670 | 31 |
| Average total loans | $41,231,778,330 | 26 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 7,656 |
| Cost of funding earning assets | 0.4018% | 7,771 |
| Net interest margin | 3.2492% | 6,133 |
| Noninterest income to average assets | 1.3136% | 699 |
| Noninterest expense to average assets | 2.6213% | 5,260 |
| Loan and lease loss provision to assets | 1.2058% | 1,008 |
| Net operating income to assets | 0.3696% | 4,976 |
| Return on assets (ROA) | 0.5007% | 4,532 |
| Pretax return on assets | 0.5454% | 4,797 |
| Return on Equity (ROE) | 5.1056% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.1056% | 3,103 |
| Net charge-offs to loans | 1.6691% | 1,039 |
| Credit loss provision to net charge-offs | 100.9775% | 3,360 |
| Earnings coverage of net charge-offs (x) | 1.3556% | 3,935 |
| Efficiency ratio | 61.8201% | 5,867 |
| Assets per employee ($millions) | 6.6009% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4143% | 1,405 |
| Loan loss allowance to noncurrent loans | 80.2927% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 2.3213% | 3,125 |
| Noncurrent loans to loans | 3.0069% | 2,665 |
| Net loans and leases to total assets | 70.0204% | 2,933 |
| Net loans and leases to deposits | 97.8967% | 918 |
| Net loans and leases to core deposits | 109.9048% | 1,277 |
| Total domestic deposits to total assets | 68.6691% | 7,491 |
| Equity capital to assets | 10.0861% | 3,760 |
| Core capital (leverage) ratio | 10.1520% | 2,980 |
| Tier 1 risk-based capital ratio | 9.5677% | 7,268 |
| Total risk-based capital ratio | 13.5352% | 4,877 |
| Memoranda: | ||
| Average total assets | $58,054,502,500 | 32 |
| Average earning assets | $52,286,057,000 | 30 |
| Average equity | $5,693,067,000 | 31 |
| Average total loans | $41,532,018,500 | 25 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6628% | 7,796 |
| Cost of funding earning assets | 0.8680% | 7,453 |
| Net interest margin | 2.7947% | 7,071 |
| Noninterest income to average assets | 1.2684% | 941 |
| Noninterest expense to average assets | 2.4596% | 6,271 |
| Loan and lease loss provision to assets | 1.7055% | 1,335 |
| Net operating income to assets | -0.2278% | 5,873 |
| Return on assets (ROA) | 0.1539% | 5,107 |
| Pretax return on assets | 0.0196% | 5,389 |
| Return on Equity (ROE) | 1.7373% | 5,006 |
| Retained earnings to average equity (ytd only) | 0.9487% | 4,366 |
| Net charge-offs to loans | 1.8736% | 1,331 |
| Credit loss provision to net charge-offs | 124.6854% | 4,205 |
| Earnings coverage of net charge-offs (x) | 0.9821% | 5,130 |
| Efficiency ratio | 64.6726% | 5,650 |
| Assets per employee ($millions) | 6.7469% | 888 |
| Cash dividends to net income (ytd only)* | 45.3917% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3346% | 1,429 |
| Loan loss allowance to noncurrent loans | 77.7839% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 2.3352% | 2,963 |
| Noncurrent loans to loans | 3.0014% | 2,567 |
| Net loans and leases to total assets | 69.6691% | 3,327 |
| Net loans and leases to deposits | 98.2611% | 1,072 |
| Net loans and leases to core deposits | 117.5493% | 2,174 |
| Total domestic deposits to total assets | 65.5860% | 7,657 |
| Equity capital to assets | 9.5370% | 4,374 |
| Core capital (leverage) ratio | 9.8943% | 3,206 |
| Tier 1 risk-based capital ratio | 9.2930% | 7,337 |
| Total risk-based capital ratio | 13.2173% | 4,926 |
| Memoranda: | ||
| Average total assets | $63,442,787,400 | 30 |
| Average earning assets | $57,537,588,000 | 28 |
| Average equity | $5,620,088,000 | 33 |
| Average total loans | $46,315,678,800 | 23 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 7,892 |
| Cost of funding earning assets | 0.9693% | 7,449 |
| Net interest margin | 2.7360% | 7,157 |
| Noninterest income to average assets | 1.2655% | 962 |
| Noninterest expense to average assets | 2.4223% | 6,346 |
| Loan and lease loss provision to assets | 1.7070% | 1,089 |
| Net operating income to assets | -0.2677% | 6,159 |
| Return on assets (ROA) | 0.2124% | 5,192 |
| Pretax return on assets | 0.0996% | 5,526 |
| Return on Equity (ROE) | 2.4408% | 5,013 |
| Retained earnings to average equity (ytd only) | 1.5328% | 4,456 |
| Net charge-offs to loans | 1.8136% | 1,117 |
| Credit loss provision to net charge-offs | 128.2531% | 3,914 |
| Earnings coverage of net charge-offs (x) | 0.9966% | 5,057 |
| Efficiency ratio | 64.6128% | 5,636 |
| Assets per employee ($millions) | 6.7533% | 878 |
| Cash dividends to net income (ytd only)* | 37.2021% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1849% | 1,446 |
| Loan loss allowance to noncurrent loans | 70.3113% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 2.4695% | 2,788 |
| Noncurrent loans to loans | 3.1074% | 2,430 |
| Net loans and leases to total assets | 71.7374% | 3,094 |
| Net loans and leases to deposits | 101.7825% | 940 |
| Net loans and leases to core deposits | 124.1646% | 1,885 |
| Total domestic deposits to total assets | 65.0617% | 7,725 |
| Equity capital to assets | 9.4256% | 4,850 |
| Core capital (leverage) ratio | 9.2787% | 4,222 |
| Tier 1 risk-based capital ratio | 9.0903% | 7,585 |
| Total risk-based capital ratio | 13.1416% | 5,007 |
| Memoranda: | ||
| Average total assets | $64,517,603,500 | 30 |
| Average earning assets | $58,557,522,750 | 28 |
| Average equity | $5,614,981,250 | 34 |
| Average total loans | $47,347,167,750 | 25 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 7,990 |
| Cost of funding earning assets | 1.0273% | 7,495 |
| Net interest margin | 2.6814% | 7,243 |
| Noninterest income to average assets | 1.2293% | 1,025 |
| Noninterest expense to average assets | 2.3959% | 6,471 |
| Loan and lease loss provision to assets | 1.5557% | 1,094 |
| Net operating income to assets | -0.1767% | 6,148 |
| Return on assets (ROA) | 0.2056% | 5,319 |
| Pretax return on assets | 0.0966% | 5,685 |
| Return on Equity (ROE) | 2.4226% | 5,136 |
| Retained earnings to average equity (ytd only) | 1.2779% | 4,631 |
| Net charge-offs to loans | 1.6655% | 1,138 |
| Credit loss provision to net charge-offs | 127.2566% | 3,659 |
| Earnings coverage of net charge-offs (x) | 1.0389% | 4,749 |
| Efficiency ratio | 65.3523% | 5,650 |
| Assets per employee ($millions) | 7.1209% | 736 |
| Cash dividends to net income (ytd only)* | 47.2517% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 1,820 |
| Loan loss allowance to noncurrent loans | 65.7254% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 2.2722% | 2,867 |
| Noncurrent loans to loans | 2.8751% | 2,508 |
| Net loans and leases to total assets | 71.9124% | 3,246 |
| Net loans and leases to deposits | 105.2684% | 812 |
| Net loans and leases to core deposits | 133.5714% | 1,341 |
| Total domestic deposits to total assets | 63.2159% | 7,859 |
| Equity capital to assets | 8.8006% | 5,598 |
| Core capital (leverage) ratio | 8.9391% | 4,728 |
| Tier 1 risk-based capital ratio | 8.5330% | 7,842 |
| Total risk-based capital ratio | 12.4250% | 5,621 |
| Memoranda: | ||
| Average total assets | $66,207,161,330 | 27 |
| Average earning assets | $60,161,529,000 | 27 |
| Average equity | $5,618,838,670 | 36 |
| Average total loans | $48,596,327,330 | 24 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6627% | 8,069 |
| Cost of funding earning assets | 1.0932% | 7,533 |
| Net interest margin | 2.5696% | 7,411 |
| Noninterest income to average assets | 1.3255% | 814 |
| Noninterest expense to average assets | 2.3220% | 6,459 |
| Loan and lease loss provision to assets | 1.2024% | 1,076 |
| Net operating income to assets | 0.0982% | 5,983 |
| Return on assets (ROA) | 0.1578% | 5,967 |
| Pretax return on assets | 0.2206% | 5,888 |
| Return on Equity (ROE) | 1.8921% | 5,812 |
| Retained earnings to average equity (ytd only) | 0.7499% | 5,365 |
| Net charge-offs to loans | 1.2629% | 1,114 |
| Credit loss provision to net charge-offs | 129.6305% | 3,094 |
| Earnings coverage of net charge-offs (x) | 1.4454% | 4,012 |
| Efficiency ratio | 63.3923% | 5,797 |
| Assets per employee ($millions) | 7.3980% | 651 |
| Cash dividends to net income (ytd only)* | 60.3649% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 2,219 |
| Loan loss allowance to noncurrent loans | 68.5757% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.9046% | 3,049 |
| Noncurrent loans to loans | 2.4453% | 2,697 |
| Net loans and leases to total assets | 70.9196% | 3,489 |
| Net loans and leases to deposits | 107.7717% | 742 |
| Net loans and leases to core deposits | 138.8443% | 1,159 |
| Total domestic deposits to total assets | 61.2131% | 7,938 |
| Equity capital to assets | 8.4071% | 6,223 |
| Core capital (leverage) ratio | 8.5685% | 5,395 |
| Tier 1 risk-based capital ratio | 8.1295% | 7,996 |
| Total risk-based capital ratio | 11.9539% | 6,093 |
| Memoranda: | ||
| Average total assets | $67,529,967,000 | 29 |
| Average earning assets | $61,422,448,000 | 26 |
| Average equity | $5,631,356,500 | 35 |
| Average total loans | $49,599,970,000 | 23 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 7,738 |
| Cost of funding earning assets | 1.9982% | 6,423 |
| Net interest margin | 3.1398% | 6,544 |
| Noninterest income to average assets | 1.3544% | 787 |
| Noninterest expense to average assets | 2.7800% | 4,909 |
| Loan and lease loss provision to assets | 1.0439% | 1,405 |
| Net operating income to assets | 0.2806% | 5,613 |
| Return on assets (ROA) | 0.3586% | 5,121 |
| Pretax return on assets | 0.4764% | 5,051 |
| Return on Equity (ROE) | 4.1082% | 4,777 |
| Retained earnings to average equity (ytd only) | -0.4126% | 5,409 |
| Net charge-offs to loans | 0.9147% | 1,353 |
| Credit loss provision to net charge-offs | 145.5975% | 3,626 |
| Earnings coverage of net charge-offs (x) | 1.9761% | 5,079 |
| Efficiency ratio | 66.2376% | 5,080 |
| Assets per employee ($millions) | 7.0407% | 693 |
| Cash dividends to net income (ytd only)* | 110.0446% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 2,574 |
| Loan loss allowance to noncurrent loans | 73.8797% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.6461% | 2,953 |
| Noncurrent loans to loans | 2.0619% | 2,678 |
| Net loans and leases to total assets | 73.6270% | 3,198 |
| Net loans and leases to deposits | 111.7468% | 719 |
| Net loans and leases to core deposits | 147.4300% | 961 |
| Total domestic deposits to total assets | 61.2783% | 7,916 |
| Equity capital to assets | 8.2711% | 6,455 |
| Core capital (leverage) ratio | 8.5787% | 5,429 |
| Tier 1 risk-based capital ratio | 7.7713% | 8,111 |
| Total risk-based capital ratio | 11.3746% | 6,465 |
| Memoranda: | ||
| Average total assets | $65,713,469,800 | 29 |
| Average earning assets | $59,490,886,400 | 26 |
| Average equity | $5,736,146,400 | 30 |
| Average total loans | $51,509,275,600 | 22 |