Home > Discover Bank > Performance and Condition Ratios
Discover 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 | 14.0293% | 60 |
| Cost of funding earning assets | 3.5527% | 67 |
| Net interest margin | 10.4766% | 26 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 3.8820% | 403 |
| Loan and lease loss provision to assets | 4.3800% | 10 |
| Net operating income to assets | 1.9295% | 514 |
| Return on assets (ROA) | 1.9295% | 492 |
| Pretax return on assets | 2.5245% | 329 |
| Return on Equity (ROE) | 21.9800% | 460 |
| Retained earnings to average equity (ytd only) | 7.8797% | 1,579 |
| Net charge-offs to loans | 3.4040% | 26 |
| Credit loss provision to net charge-offs | 148.9061% | 1,481 |
| Earnings coverage of net charge-offs (x) | 2.3464% | 2,699 |
| Efficiency ratio | 35.9810% | 4,436 |
| Assets per employee ($millions) | 10.7325% | 576 |
| Cash dividends to net income (ytd only)* | 64.1577% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2290% | 22 |
| Loan loss allowance to noncurrent loans | 410.8146% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 1.5132% | 245 |
| Noncurrent loans to loans | 1.7597% | 349 |
| Net loans and leases to total assets | 79.7600% | 668 |
| Net loans and leases to deposits | 105.7760% | 303 |
| Net loans and leases to core deposits | 138.6977% | 288 |
| Total domestic deposits to total assets | 75.4100% | 3,992 |
| Equity capital to assets | 8.5643% | 3,002 |
| Core capital (leverage) ratio | 9.5386% | 3,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0268% | 2,234 |
| Memoranda: | ||
| Average total assets | $137,326,820,600 | 26 |
| Average earning assets | $131,389,606,600 | 26 |
| Average equity | $12,052,710,600 | 25 |
| Average total loans | $118,754,330,400 | 18 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.8853% | 57 |
| Cost of funding earning assets | 3.4215% | 65 |
| Net interest margin | 10.4638% | 24 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 3.7284% | 437 |
| Loan and lease loss provision to assets | 4.0800% | 12 |
| Net operating income to assets | 2.3077% | 324 |
| Return on assets (ROA) | 2.3077% | 317 |
| Pretax return on assets | 3.0122% | 231 |
| Return on Equity (ROE) | 25.5800% | 368 |
| Retained earnings to average equity (ytd only) | 6.8647% | 2,339 |
| Net charge-offs to loans | 3.1447% | 28 |
| Credit loss provision to net charge-offs | 149.5274% | 1,328 |
| Earnings coverage of net charge-offs (x) | 2.6028% | 2,472 |
| Efficiency ratio | 34.4534% | 4,471 |
| Assets per employee ($millions) | 10.1586% | 629 |
| Cash dividends to net income (ytd only)* | 73.1650% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0635% | 22 |
| Loan loss allowance to noncurrent loans | 474.2940% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2936% | 324 |
| Noncurrent loans to loans | 1.4893% | 493 |
| Net loans and leases to total assets | 80.7200% | 568 |
| Net loans and leases to deposits | 106.7432% | 279 |
| Net loans and leases to core deposits | 138.2803% | 236 |
| Total domestic deposits to total assets | 75.6200% | 4,046 |
| Equity capital to assets | 8.7533% | 2,569 |
| Core capital (leverage) ratio | 9.8796% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4716% | 2,088 |
| Memoranda: | ||
| Average total assets | $134,243,322,750 | 27 |
| Average earning assets | $128,697,512,750 | 27 |
| Average equity | $12,110,223,000 | 25 |
| Average total loans | $116,339,708,750 | 20 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6536% | 56 |
| Cost of funding earning assets | 3.2225% | 57 |
| Net interest margin | 10.4311% | 27 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 3.7280% | 427 |
| Loan and lease loss provision to assets | 3.6500% | 12 |
| Net operating income to assets | 2.6461% | 210 |
| Return on assets (ROA) | 2.6461% | 209 |
| Pretax return on assets | 3.4538% | 151 |
| Return on Equity (ROE) | 29.0200% | 236 |
| Retained earnings to average equity (ytd only) | 5.7417% | 2,715 |
| Net charge-offs to loans | 2.9317% | 29 |
| Credit loss provision to net charge-offs | 145.2695% | 1,213 |
| Earnings coverage of net charge-offs (x) | 2.7982% | 2,300 |
| Efficiency ratio | 34.4172% | 4,499 |
| Assets per employee ($millions) | 9.4345% | 798 |
| Cash dividends to net income (ytd only)* | 80.2177% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8397% | 24 |
| Loan loss allowance to noncurrent loans | 514.0156% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1566% | 364 |
| Noncurrent loans to loans | 1.3306% | 534 |
| Net loans and leases to total assets | 80.9700% | 526 |
| Net loans and leases to deposits | 108.5266% | 236 |
| Net loans and leases to core deposits | 140.6242% | 209 |
| Total domestic deposits to total assets | 74.6100% | 4,148 |
| Equity capital to assets | 8.9847% | 2,521 |
| Core capital (leverage) ratio | 10.0737% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8015% | 1,984 |
| Memoranda: | ||
| Average total assets | $131,912,775,333 | 27 |
| Average earning assets | $126,638,600,000 | 27 |
| Average equity | $12,026,047,667 | 25 |
| Average total loans | $114,228,780,667 | 19 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5108% | 15 |
| Cost of funding earning assets | 3.0094% | 31 |
| Net interest margin | 10.5014% | 17 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 3.8037% | 409 |
| Loan and lease loss provision to assets | 3.3900% | 12 |
| Net operating income to assets | 2.7436% | 198 |
| Return on assets (ROA) | 2.7436% | 193 |
| Pretax return on assets | 3.5824% | 131 |
| Return on Equity (ROE) | 29.8700% | 239 |
| Retained earnings to average equity (ytd only) | -3.6177% | 4,272 |
| Net charge-offs to loans | 2.6706% | 32 |
| Credit loss provision to net charge-offs | 151.3064% | 946 |
| Earnings coverage of net charge-offs (x) | 3.0212% | 1,905 |
| Efficiency ratio | 35.2952% | 4,553 |
| Assets per employee ($millions) | 8.8361% | 997 |
| Cash dividends to net income (ytd only)* | 112.1120% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8262% | 17 |
| Loan loss allowance to noncurrent loans | 517.5333% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 1.1370% | 328 |
| Noncurrent loans to loans | 1.3190% | 508 |
| Net loans and leases to total assets | 80.3200% | 510 |
| Net loans and leases to deposits | 106.5851% | 238 |
| Net loans and leases to core deposits | 136.3341% | 216 |
| Total domestic deposits to total assets | 75.3600% | 4,201 |
| Equity capital to assets | 9.1573% | 2,404 |
| Core capital (leverage) ratio | 10.0262% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8725% | 2,017 |
| Memoranda: | ||
| Average total assets | $130,044,394,000 | 29 |
| Average earning assets | $124,792,221,000 | 29 |
| Average equity | $11,945,203,500 | 28 |
| Average total loans | $112,392,829,000 | 21 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.0633% | 14 |
| Cost of funding earning assets | 1.5848% | 17 |
| Net interest margin | 10.4785% | 15 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 3.9927% | 337 |
| Loan and lease loss provision to assets | 2.0500% | 20 |
| Net operating income to assets | 3.7173% | 85 |
| Return on assets (ROA) | 3.7173% | 82 |
| Pretax return on assets | 4.8607% | 76 |
| Return on Equity (ROE) | 35.9400% | 69 |
| Retained earnings to average equity (ytd only) | 2.4098% | 3,883 |
| Net charge-offs to loans | 1.8038% | 36 |
| Credit loss provision to net charge-offs | 130.4200% | 1,405 |
| Earnings coverage of net charge-offs (x) | 4.3857% | 2,421 |
| Efficiency ratio | 36.6334% | 4,599 |
| Assets per employee ($millions) | 9.2214% | 850 |
| Cash dividends to net income (ytd only)* | 93.2948% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5771% | 20 |
| Loan loss allowance to noncurrent loans | 577.1507% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9875% | 440 |
| Noncurrent loans to loans | 1.1396% | 627 |
| Net loans and leases to total assets | 80.9500% | 504 |
| Net loans and leases to deposits | 110.3995% | 148 |
| Net loans and leases to core deposits | 142.9385% | 126 |
| Total domestic deposits to total assets | 73.3300% | 4,378 |
| Equity capital to assets | 9.2139% | 2,218 |
| Core capital (leverage) ratio | 10.7620% | 1,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7133% | 1,725 |
| Memoranda: | ||
| Average total assets | $115,339,734,000 | 32 |
| Average earning assets | $110,591,699,600 | 31 |
| Average equity | $11,929,673,400 | 29 |
| Average total loans | $100,694,835,800 | 20 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6176% | 14 |
| Cost of funding earning assets | 1.2058% | 23 |
| Net interest margin | 10.4118% | 14 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 3.9371% | 341 |
| Loan and lease loss provision to assets | 1.7600% | 20 |
| Net operating income to assets | 3.9223% | 80 |
| Return on assets (ROA) | 3.9223% | 77 |
| Pretax return on assets | 5.1378% | 73 |
| Return on Equity (ROE) | 36.7600% | 54 |
| Retained earnings to average equity (ytd only) | 1.2828% | 4,178 |
| Net charge-offs to loans | 1.6843% | 33 |
| Credit loss provision to net charge-offs | 119.3792% | 1,228 |
| Earnings coverage of net charge-offs (x) | 4.6809% | 2,168 |
| Efficiency ratio | 36.3375% | 4,641 |
| Assets per employee ($millions) | 9.1564% | 843 |
| Cash dividends to net income (ytd only)* | 96.5104% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7310% | 16 |
| Loan loss allowance to noncurrent loans | 691.5600% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 582 |
| Noncurrent loans to loans | 0.9733% | 804 |
| Net loans and leases to total assets | 81.3400% | 418 |
| Net loans and leases to deposits | 112.2393% | 104 |
| Net loans and leases to core deposits | 139.0415% | 99 |
| Total domestic deposits to total assets | 72.4700% | 4,503 |
| Equity capital to assets | 9.7643% | 1,747 |
| Core capital (leverage) ratio | 11.4076% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6813% | 1,820 |
| Memoranda: | ||
| Average total assets | $111,828,196,750 | 34 |
| Average earning assets | $107,287,551,500 | 34 |
| Average equity | $11,931,705,000 | 30 |
| Average total loans | $97,839,336,250 | 21 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2229% | 14 |
| Cost of funding earning assets | 0.9154% | 53 |
| Net interest margin | 10.3075% | 15 |
| Noninterest income to average assets | 0.8728% | 898 |
| Noninterest expense to average assets | 3.8374% | 312 |
| Loan and lease loss provision to assets | 1.2905% | 33 |
| Net operating income to assets | 4.2996% | 37 |
| Return on assets (ROA) | 4.2996% | 35 |
| Pretax return on assets | 5.6282% | 34 |
| Return on Equity (ROE) | 39.0780% | 28 |
| Retained earnings to average equity (ytd only) | 4.0600% | 3,059 |
| Net charge-offs to loans | 1.6697% | 34 |
| Credit loss provision to net charge-offs | 91.9111% | 1,333 |
| Earnings coverage of net charge-offs (x) | 4.7306% | 1,946 |
| Efficiency ratio | 35.6767% | 4,681 |
| Assets per employee ($millions) | 9.6586% | 727 |
| Cash dividends to net income (ytd only)* | 89.6105% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8046% | 18 |
| Loan loss allowance to noncurrent loans | 782.3128% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.7642% | 686 |
| Noncurrent loans to loans | 0.8698% | 979 |
| Net loans and leases to total assets | 81.8791% | 292 |
| Net loans and leases to deposits | 115.8197% | 57 |
| Net loans and leases to core deposits | 138.6838% | 81 |
| Total domestic deposits to total assets | 70.6953% | 4,608 |
| Equity capital to assets | 10.5959% | 1,392 |
| Core capital (leverage) ratio | 12.4420% | 994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6148% | 1,536 |
| Memoranda: | ||
| Average total assets | $109,008,363,333 | 34 |
| Average earning assets | $104,521,522,000 | 34 |
| Average equity | $11,993,845,667 | 31 |
| Average total loans | $95,484,956,000 | 21 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1004% | 14 |
| Cost of funding earning assets | 0.8213% | 78 |
| Net interest margin | 10.2791% | 15 |
| Noninterest income to average assets | 0.8059% | 1,032 |
| Noninterest expense to average assets | 3.7415% | 335 |
| Loan and lease loss provision to assets | 0.5743% | 80 |
| Net operating income to assets | 4.8452% | 39 |
| Return on assets (ROA) | 4.8452% | 37 |
| Pretax return on assets | 6.3343% | 36 |
| Return on Equity (ROE) | 43.1932% | 24 |
| Retained earnings to average equity (ytd only) | 11.5339% | 669 |
| Net charge-offs to loans | 1.5717% | 48 |
| Credit loss provision to net charge-offs | 52.4723% | 1,189 |
| Earnings coverage of net charge-offs (x) | 5.0262% | 1,614 |
| Efficiency ratio | 35.1311% | 4,707 |
| Assets per employee ($millions) | 9.1170% | 876 |
| Cash dividends to net income (ytd only)* | 73.2970% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1110% | 18 |
| Loan loss allowance to noncurrent loans | 771.5559% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 674 |
| Noncurrent loans to loans | 0.9216% | 994 |
| Net loans and leases to total assets | 82.1753% | 155 |
| Net loans and leases to deposits | 114.8228% | 44 |
| Net loans and leases to core deposits | 130.1933% | 89 |
| Total domestic deposits to total assets | 71.5670% | 4,638 |
| Equity capital to assets | 11.4673% | 1,135 |
| Core capital (leverage) ratio | 12.7572% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7445% | 1,327 |
| Memoranda: | ||
| Average total assets | $106,999,967,000 | 34 |
| Average earning assets | $102,472,860,000 | 34 |
| Average equity | $12,002,780,000 | 31 |
| Average total loans | $93,576,919,000 | 20 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4751% | 18 |
| Cost of funding earning assets | 0.8976% | 117 |
| Net interest margin | 9.5776% | 19 |
| Noninterest income to average assets | 0.8252% | 1,393 |
| Noninterest expense to average assets | 3.7330% | 376 |
| Loan and lease loss provision to assets | 0.1989% | 547 |
| Net operating income to assets | 4.6750% | 50 |
| Return on assets (ROA) | 4.6750% | 51 |
| Pretax return on assets | 6.0819% | 44 |
| Return on Equity (ROE) | 44.8307% | 23 |
| Retained earnings to average equity (ytd only) | 16.3684% | 153 |
| Net charge-offs to loans | 1.8210% | 26 |
| Credit loss provision to net charge-offs | 13.8770% | 2,293 |
| Earnings coverage of net charge-offs (x) | 4.2178% | 2,505 |
| Efficiency ratio | 37.2778% | 4,734 |
| Assets per employee ($millions) | 9.7729% | 711 |
| Cash dividends to net income (ytd only)* | 63.4884% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2815% | 19 |
| Loan loss allowance to noncurrent loans | 853.0273% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.7381% | 838 |
| Noncurrent loans to loans | 0.8536% | 1,189 |
| Net loans and leases to total assets | 80.1729% | 263 |
| Net loans and leases to deposits | 115.0089% | 58 |
| Net loans and leases to core deposits | 133.9832% | 86 |
| Total domestic deposits to total assets | 69.7102% | 4,690 |
| Equity capital to assets | 10.9740% | 1,805 |
| Core capital (leverage) ratio | 12.7675% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8569% | 1,298 |
| Memoranda: | ||
| Average total assets | $109,499,008,400 | 32 |
| Average earning assets | $105,050,822,600 | 31 |
| Average equity | $11,418,609,200 | 30 |
| Average total loans | $89,539,227,800 | 21 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3293% | 17 |
| Cost of funding earning assets | 0.9255% | 122 |
| Net interest margin | 9.4038% | 18 |
| Noninterest income to average assets | 0.8039% | 1,516 |
| Noninterest expense to average assets | 3.6253% | 399 |
| Loan and lease loss provision to assets | -0.0551% | 4,475 |
| Net operating income to assets | 4.8078% | 53 |
| Return on assets (ROA) | 4.8078% | 51 |
| Pretax return on assets | 6.2587% | 46 |
| Return on Equity (ROE) | 46.7076% | 22 |
| Retained earnings to average equity (ytd only) | 21.9314% | 86 |
| Net charge-offs to loans | 1.9841% | 26 |
| Credit loss provision to net charge-offs | -3.6245% | 3,037 |
| Earnings coverage of net charge-offs (x) | 3.8787% | 2,288 |
| Efficiency ratio | 36.8832% | 4,797 |
| Assets per employee ($millions) | 9.8836% | 661 |
| Cash dividends to net income (ytd only)* | 53.0453% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6623% | 17 |
| Loan loss allowance to noncurrent loans | 964.7348% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 1,125 |
| Noncurrent loans to loans | 0.7942% | 1,424 |
| Net loans and leases to total assets | 77.5734% | 424 |
| Net loans and leases to deposits | 109.4082% | 99 |
| Net loans and leases to core deposits | 135.1206% | 96 |
| Total domestic deposits to total assets | 70.9027% | 4,710 |
| Equity capital to assets | 11.1972% | 1,891 |
| Core capital (leverage) ratio | 12.8056% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7063% | 1,188 |
| Memoranda: | ||
| Average total assets | $109,788,129,000 | 31 |
| Average earning assets | $105,365,695,750 | 31 |
| Average equity | $11,300,889,250 | 31 |
| Average total loans | $88,503,325,500 | 21 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1415% | 16 |
| Cost of funding earning assets | 0.9556% | 137 |
| Net interest margin | 9.1859% | 18 |
| Noninterest income to average assets | 0.7993% | 1,534 |
| Noninterest expense to average assets | 3.5183% | 455 |
| Loan and lease loss provision to assets | -0.4147% | 4,885 |
| Net operating income to assets | 4.9803% | 53 |
| Return on assets (ROA) | 4.9803% | 53 |
| Pretax return on assets | 6.5148% | 47 |
| Return on Equity (ROE) | 49.7849% | 25 |
| Retained earnings to average equity (ytd only) | 29.0449% | 40 |
| Net charge-offs to loans | 2.2518% | 30 |
| Credit loss provision to net charge-offs | -20.9046% | 2,926 |
| Earnings coverage of net charge-offs (x) | 3.4066% | 2,072 |
| Efficiency ratio | 36.5774% | 4,828 |
| Assets per employee ($millions) | 9.8988% | 632 |
| Cash dividends to net income (ytd only)* | 41.6592% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0135% | 17 |
| Loan loss allowance to noncurrent loans | 976.0073% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.6608% | 1,264 |
| Noncurrent loans to loans | 0.8210% | 1,498 |
| Net loans and leases to total assets | 74.0325% | 751 |
| Net loans and leases to deposits | 104.2998% | 180 |
| Net loans and leases to core deposits | 131.3717% | 121 |
| Total domestic deposits to total assets | 70.9805% | 4,734 |
| Equity capital to assets | 10.7534% | 2,181 |
| Core capital (leverage) ratio | 12.1501% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8386% | 1,162 |
| Memoranda: | ||
| Average total assets | $110,855,862,000 | 31 |
| Average earning assets | $106,430,231,667 | 31 |
| Average equity | $11,089,670,667 | 30 |
| Average total loans | $88,156,912,333 | 21 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1775% | 16 |
| Cost of funding earning assets | 0.9898% | 140 |
| Net interest margin | 9.1876% | 16 |
| Noninterest income to average assets | 0.6500% | 2,027 |
| Noninterest expense to average assets | 3.3794% | 538 |
| Loan and lease loss provision to assets | -1.3055% | 4,968 |
| Net operating income to assets | 5.6562% | 47 |
| Return on assets (ROA) | 5.6562% | 49 |
| Pretax return on assets | 7.3951% | 48 |
| Return on Equity (ROE) | 58.6831% | 21 |
| Retained earnings to average equity (ytd only) | 45.6929% | 21 |
| Net charge-offs to loans | 2.4281% | 29 |
| Credit loss provision to net charge-offs | -63.8322% | 2,780 |
| Earnings coverage of net charge-offs (x) | 3.1723% | 1,774 |
| Efficiency ratio | 35.6872% | 4,854 |
| Assets per employee ($millions) | 9.9122% | 611 |
| Cash dividends to net income (ytd only)* | 22.1362% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5082% | 17 |
| Loan loss allowance to noncurrent loans | 800.3772% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 1,083 |
| Noncurrent loans to loans | 1.0630% | 1,263 |
| Net loans and leases to total assets | 70.3505% | 1,243 |
| Net loans and leases to deposits | 99.4688% | 303 |
| Net loans and leases to core deposits | 127.4784% | 169 |
| Total domestic deposits to total assets | 70.7262% | 4,755 |
| Equity capital to assets | 10.1219% | 2,587 |
| Core capital (leverage) ratio | 11.7411% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7859% | 1,106 |
| Memoranda: | ||
| Average total assets | $111,815,665,000 | 31 |
| Average earning assets | $107,330,649,000 | 31 |
| Average equity | $10,777,344,500 | 31 |
| Average total loans | $88,398,367,500 | 17 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4220% | 15 |
| Cost of funding earning assets | 1.5226% | 74 |
| Net interest margin | 8.8993% | 17 |
| Noninterest income to average assets | 0.6156% | 2,159 |
| Noninterest expense to average assets | 3.4091% | 786 |
| Loan and lease loss provision to assets | 4.4888% | 10 |
| Net operating income to assets | 1.0081% | 2,260 |
| Return on assets (ROA) | 1.0081% | 2,406 |
| Pretax return on assets | 1.2846% | 2,032 |
| Return on Equity (ROE) | 11.7179% | 1,400 |
| Retained earnings to average equity (ytd only) | 6.0586% | 1,771 |
| Net charge-offs to loans | 2.9925% | 30 |
| Credit loss provision to net charge-offs | 187.0898% | 2,230 |
| Earnings coverage of net charge-offs (x) | 2.4063% | 3,169 |
| Efficiency ratio | 37.1243% | 4,925 |
| Assets per employee ($millions) | 9.7817% | 566 |
| Cash dividends to net income (ytd only)* | 48.2967% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0943% | 14 |
| Loan loss allowance to noncurrent loans | 839.5800% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 1,132 |
| Noncurrent loans to loans | 1.0832% | 1,307 |
| Net loans and leases to total assets | 73.8521% | 1,045 |
| Net loans and leases to deposits | 103.2244% | 274 |
| Net loans and leases to core deposits | 134.0854% | 163 |
| Total domestic deposits to total assets | 71.5453% | 4,732 |
| Equity capital to assets | 9.1509% | 3,934 |
| Core capital (leverage) ratio | 10.5464% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0872% | 1,496 |
| Memoranda: | ||
| Average total assets | $113,986,498,200 | 29 |
| Average earning assets | $109,728,752,600 | 27 |
| Average equity | $9,806,751,000 | 33 |
| Average total loans | $91,391,024,600 | 19 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3559% | 15 |
| Cost of funding earning assets | 1.6143% | 69 |
| Net interest margin | 8.7416% | 18 |
| Noninterest income to average assets | 0.6290% | 2,069 |
| Noninterest expense to average assets | 3.2578% | 973 |
| Loan and lease loss provision to assets | 5.3324% | 11 |
| Net operating income to assets | 0.3645% | 4,337 |
| Return on assets (ROA) | 0.3645% | 4,393 |
| Pretax return on assets | 0.4634% | 4,354 |
| Return on Equity (ROE) | 4.3031% | 4,095 |
| Retained earnings to average equity (ytd only) | -1.2572% | 4,639 |
| Net charge-offs to loans | 3.2064% | 29 |
| Credit loss provision to net charge-offs | 208.0893% | 2,082 |
| Earnings coverage of net charge-offs (x) | 2.2617% | 3,006 |
| Efficiency ratio | 35.9814% | 4,951 |
| Assets per employee ($millions) | 10.5703% | 425 |
| Cash dividends to net income (ytd only)* | 129.2167% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2778% | 14 |
| Loan loss allowance to noncurrent loans | 930.7612% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.7198% | 1,620 |
| Noncurrent loans to loans | 0.9968% | 1,500 |
| Net loans and leases to total assets | 65.5093% | 2,578 |
| Net loans and leases to deposits | 99.6260% | 551 |
| Net loans and leases to core deposits | 133.1352% | 205 |
| Total domestic deposits to total assets | 65.7552% | 4,855 |
| Equity capital to assets | 7.7681% | 4,787 |
| Core capital (leverage) ratio | 10.1685% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1554% | 1,778 |
| Memoranda: | ||
| Average total assets | $114,649,247,000 | 29 |
| Average earning assets | $110,490,854,500 | 27 |
| Average equity | $9,711,375,750 | 33 |
| Average total loans | $91,626,426,500 | 19 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7910% | 16 |
| Cost of funding earning assets | 1.8028% | 43 |
| Net interest margin | 8.9883% | 17 |
| Noninterest income to average assets | 0.6413% | 1,971 |
| Noninterest expense to average assets | 3.3558% | 917 |
| Loan and lease loss provision to assets | 6.9273% | 7 |
| Net operating income to assets | -0.7807% | 4,945 |
| Return on assets (ROA) | -0.7807% | 4,942 |
| Pretax return on assets | -0.9788% | 4,943 |
| Return on Equity (ROE) | -8.9596% | 4,976 |
| Retained earnings to average equity (ytd only) | -17.2659% | 4,994 |
| Net charge-offs to loans | 3.3182% | 30 |
| Credit loss provision to net charge-offs | 252.3350% | 1,742 |
| Earnings coverage of net charge-offs (x) | 2.1668% | 2,799 |
| Efficiency ratio | 36.0647% | 4,979 |
| Assets per employee ($millions) | 8.9273% | 692 |
| Cash dividends to net income (ytd only)* | -92.7079% | 5,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2032% | 12 |
| Loan loss allowance to noncurrent loans | 744.4073% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 1,228 |
| Noncurrent loans to loans | 1.2363% | 1,258 |
| Net loans and leases to total assets | 71.9428% | 1,716 |
| Net loans and leases to deposits | 100.6980% | 509 |
| Net loans and leases to core deposits | 138.5075% | 183 |
| Total domestic deposits to total assets | 71.4441% | 4,737 |
| Equity capital to assets | 7.8389% | 4,793 |
| Core capital (leverage) ratio | 9.5203% | 3,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5433% | 1,980 |
| Memoranda: | ||
| Average total assets | $111,919,456,333 | 29 |
| Average earning assets | $107,869,297,667 | 28 |
| Average equity | $9,751,634,333 | 33 |
| Average total loans | $92,597,241,000 | 19 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4047% | 17 |
| Cost of funding earning assets | 2.0029% | 32 |
| Net interest margin | 9.4018% | 21 |
| Noninterest income to average assets | 0.6068% | 2,012 |
| Noninterest expense to average assets | 3.5196% | 907 |
| Loan and lease loss provision to assets | 6.5799% | 11 |
| Net operating income to assets | -0.3270% | 4,894 |
| Return on assets (ROA) | -0.3270% | 4,866 |
| Pretax return on assets | -0.4178% | 4,869 |
| Return on Equity (ROE) | -3.5730% | 4,892 |
| Retained earnings to average equity (ytd only) | -19.4110% | 4,957 |
| Net charge-offs to loans | 3.2585% | 39 |
| Credit loss provision to net charge-offs | 238.9896% | 1,314 |
| Earnings coverage of net charge-offs (x) | 2.2381% | 2,304 |
| Efficiency ratio | 36.3512% | 5,026 |
| Assets per employee ($millions) | 8.9738% | 536 |
| Cash dividends to net income (ytd only)* | -443.2770% | 5,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4362% | 17 |
| Loan loss allowance to noncurrent loans | 537.3750% | 910 |
| Noncurrent assets plus other real estate owned to assets | 1.1576% | 1,097 |
| Noncurrent loans to loans | 1.3838% | 1,160 |
| Net loans and leases to total assets | 77.4287% | 1,063 |
| Net loans and leases to deposits | 113.3997% | 144 |
| Net loans and leases to core deposits | 160.3036% | 80 |
| Total domestic deposits to total assets | 68.2794% | 4,915 |
| Equity capital to assets | 8.2376% | 4,920 |
| Core capital (leverage) ratio | 9.6850% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9534% | 2,306 |
| Memoranda: | ||
| Average total assets | $111,762,131,000 | 28 |
| Average earning assets | $107,875,982,000 | 28 |
| Average equity | $10,228,517,000 | 31 |
| Average total loans | $94,431,527,500 | 17 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6212% | 19 |
| Cost of funding earning assets | 2.2300% | 22 |
| Net interest margin | 9.3913% | 21 |
| Noninterest income to average assets | 0.7967% | 1,463 |
| Noninterest expense to average assets | 3.5063% | 957 |
| Loan and lease loss provision to assets | 2.9518% | 25 |
| Net operating income to assets | 2.6432% | 112 |
| Return on assets (ROA) | 2.6432% | 118 |
| Pretax return on assets | 3.4401% | 81 |
| Return on Equity (ROE) | 26.0350% | 63 |
| Retained earnings to average equity (ytd only) | 3.2825% | 3,367 |
| Net charge-offs to loans | 3.1510% | 33 |
| Credit loss provision to net charge-offs | 112.0551% | 2,236 |
| Earnings coverage of net charge-offs (x) | 2.4265% | 3,418 |
| Efficiency ratio | 35.3865% | 5,111 |
| Assets per employee ($millions) | 9.7683% | 381 |
| Cash dividends to net income (ytd only)* | 87.3920% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5282% | 84 |
| Loan loss allowance to noncurrent loans | 264.2166% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 1.1395% | 1,049 |
| Noncurrent loans to loans | 1.3354% | 1,122 |
| Net loans and leases to total assets | 82.3178% | 517 |
| Net loans and leases to deposits | 122.9699% | 69 |
| Net loans and leases to core deposits | 179.0836% | 56 |
| Total domestic deposits to total assets | 66.9414% | 5,013 |
| Equity capital to assets | 10.0564% | 3,865 |
| Core capital (leverage) ratio | 10.1046% | 3,409 |
| Tier 1 risk-based capital ratio | 11.5263% | 4,617 |
| Total risk-based capital ratio | 13.8289% | 3,907 |
| Memoranda: | ||
| Average total assets | $109,526,496,000 | 27 |
| Average earning assets | $106,146,115,000 | 27 |
| Average equity | $11,119,637,200 | 31 |
| Average total loans | $91,564,064,200 | 16 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6353% | 20 |
| Cost of funding earning assets | 2.2688% | 15 |
| Net interest margin | 9.3665% | 23 |
| Noninterest income to average assets | 0.7944% | 1,432 |
| Noninterest expense to average assets | 3.4626% | 995 |
| Loan and lease loss provision to assets | 2.9345% | 26 |
| Net operating income to assets | 2.6676% | 127 |
| Return on assets (ROA) | 2.6676% | 132 |
| Pretax return on assets | 3.4732% | 83 |
| Return on Equity (ROE) | 26.2114% | 69 |
| Retained earnings to average equity (ytd only) | 3.8776% | 3,462 |
| Net charge-offs to loans | 3.1448% | 34 |
| Credit loss provision to net charge-offs | 112.2165% | 2,065 |
| Earnings coverage of net charge-offs (x) | 2.4503% | 3,195 |
| Efficiency ratio | 35.0790% | 5,186 |
| Assets per employee ($millions) | 9.4404% | 412 |
| Cash dividends to net income (ytd only)* | 85.2065% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5658% | 86 |
| Loan loss allowance to noncurrent loans | 279.3335% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 1.0816% | 1,214 |
| Noncurrent loans to loans | 1.2765% | 1,222 |
| Net loans and leases to total assets | 81.6944% | 602 |
| Net loans and leases to deposits | 121.4586% | 81 |
| Net loans and leases to core deposits | 180.0961% | 59 |
| Total domestic deposits to total assets | 67.2611% | 5,078 |
| Equity capital to assets | 10.3301% | 3,692 |
| Core capital (leverage) ratio | 10.2317% | 3,386 |
| Tier 1 risk-based capital ratio | 11.8760% | 4,473 |
| Total risk-based capital ratio | 14.2154% | 3,767 |
| Memoranda: | ||
| Average total assets | $108,812,069,500 | 28 |
| Average earning assets | $105,435,814,000 | 28 |
| Average equity | $11,074,102,000 | 32 |
| Average total loans | $90,481,182,000 | 17 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5310% | 19 |
| Cost of funding earning assets | 2.2717% | 17 |
| Net interest margin | 9.2593% | 22 |
| Noninterest income to average assets | 0.8131% | 1,306 |
| Noninterest expense to average assets | 3.4051% | 1,097 |
| Loan and lease loss provision to assets | 2.9355% | 28 |
| Net operating income to assets | 2.6272% | 133 |
| Return on assets (ROA) | 2.6272% | 137 |
| Pretax return on assets | 3.4410% | 90 |
| Return on Equity (ROE) | 25.9445% | 79 |
| Retained earnings to average equity (ytd only) | 3.8664% | 3,313 |
| Net charge-offs to loans | 3.1899% | 33 |
| Credit loss provision to net charge-offs | 111.3685% | 1,833 |
| Earnings coverage of net charge-offs (x) | 2.4192% | 2,943 |
| Efficiency ratio | 34.8095% | 5,234 |
| Assets per employee ($millions) | 8.7885% | 512 |
| Cash dividends to net income (ytd only)* | 85.0975% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5474% | 82 |
| Loan loss allowance to noncurrent loans | 287.9825% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0196% | 1,366 |
| Noncurrent loans to loans | 1.2318% | 1,295 |
| Net loans and leases to total assets | 79.8242% | 907 |
| Net loans and leases to deposits | 120.8683% | 80 |
| Net loans and leases to core deposits | 184.6507% | 54 |
| Total domestic deposits to total assets | 66.0423% | 5,150 |
| Equity capital to assets | 10.2349% | 3,763 |
| Core capital (leverage) ratio | 10.1459% | 3,449 |
| Tier 1 risk-based capital ratio | 12.0232% | 4,401 |
| Total risk-based capital ratio | 14.3858% | 3,676 |
| Memoranda: | ||
| Average total assets | $108,693,234,000 | 28 |
| Average earning assets | $105,280,743,670 | 28 |
| Average equity | $11,006,387,330 | 32 |
| Average total loans | $89,814,150,330 | 17 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4565% | 19 |
| Cost of funding earning assets | 2.2498% | 17 |
| Net interest margin | 9.2067% | 22 |
| Noninterest income to average assets | 0.7161% | 1,555 |
| Noninterest expense to average assets | 3.3230% | 1,242 |
| Loan and lease loss provision to assets | 2.9833% | 27 |
| Net operating income to assets | 2.5593% | 146 |
| Return on assets (ROA) | 2.5593% | 154 |
| Pretax return on assets | 3.3427% | 98 |
| Return on Equity (ROE) | 25.4118% | 95 |
| Retained earnings to average equity (ytd only) | 3.4557% | 3,531 |
| Net charge-offs to loans | 3.1931% | 30 |
| Credit loss provision to net charge-offs | 113.1557% | 1,472 |
| Earnings coverage of net charge-offs (x) | 2.3995% | 2,498 |
| Efficiency ratio | 34.4372% | 5,289 |
| Assets per employee ($millions) | 9.0688% | 461 |
| Cash dividends to net income (ytd only)* | 86.4012% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5307% | 82 |
| Loan loss allowance to noncurrent loans | 272.0715% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 1.0560% | 1,312 |
| Noncurrent loans to loans | 1.2977% | 1,264 |
| Net loans and leases to total assets | 78.4880% | 1,077 |
| Net loans and leases to deposits | 120.8069% | 75 |
| Net loans and leases to core deposits | 190.1483% | 45 |
| Total domestic deposits to total assets | 64.9698% | 5,218 |
| Equity capital to assets | 10.0756% | 3,749 |
| Core capital (leverage) ratio | 10.0797% | 3,516 |
| Tier 1 risk-based capital ratio | 12.1254% | 4,395 |
| Total risk-based capital ratio | 14.6195% | 3,593 |
| Memoranda: | ||
| Average total assets | $108,533,445,500 | 29 |
| Average earning assets | $105,305,452,500 | 29 |
| Average equity | $10,930,887,000 | 33 |
| Average total loans | $89,611,692,000 | 18 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.2732% | 16 |
| Cost of funding earning assets | 1.9762% | 12 |
| Net interest margin | 9.2970% | 18 |
| Noninterest income to average assets | 0.9021% | 1,174 |
| Noninterest expense to average assets | 3.5078% | 987 |
| Loan and lease loss provision to assets | 2.9587% | 22 |
| Net operating income to assets | 2.6104% | 122 |
| Return on assets (ROA) | 2.6105% | 122 |
| Pretax return on assets | 3.4384% | 69 |
| Return on Equity (ROE) | 25.0175% | 91 |
| Retained earnings to average equity (ytd only) | 2.8263% | 3,987 |
| Net charge-offs to loans | 3.0363% | 34 |
| Credit loss provision to net charge-offs | 116.4560% | 2,226 |
| Earnings coverage of net charge-offs (x) | 2.5179% | 3,511 |
| Efficiency ratio | 35.4134% | 5,330 |
| Assets per employee ($millions) | 9.2749% | 423 |
| Cash dividends to net income (ytd only)* | 88.7028% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3581% | 92 |
| Loan loss allowance to noncurrent loans | 263.7612% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.0668% | 1,268 |
| Noncurrent loans to loans | 1.2731% | 1,252 |
| Net loans and leases to total assets | 80.9694% | 808 |
| Net loans and leases to deposits | 126.2818% | 59 |
| Net loans and leases to core deposits | 209.8254% | 39 |
| Total domestic deposits to total assets | 64.1180% | 5,273 |
| Equity capital to assets | 10.0673% | 3,612 |
| Core capital (leverage) ratio | 10.1607% | 3,399 |
| Tier 1 risk-based capital ratio | 11.7573% | 4,589 |
| Total risk-based capital ratio | 14.2223% | 3,748 |
| Memoranda: | ||
| Average total assets | $102,565,340,600 | 30 |
| Average earning assets | $99,317,274,600 | 29 |
| Average equity | $10,702,419,200 | 33 |
| Average total loans | $85,819,762,800 | 19 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1817% | 15 |
| Cost of funding earning assets | 1.9004% | 11 |
| Net interest margin | 9.2813% | 19 |
| Noninterest income to average assets | 0.9007% | 1,200 |
| Noninterest expense to average assets | 3.5126% | 969 |
| Loan and lease loss provision to assets | 2.9448% | 23 |
| Net operating income to assets | 2.5872% | 137 |
| Return on assets (ROA) | 2.5874% | 136 |
| Pretax return on assets | 3.4196% | 82 |
| Return on Equity (ROE) | 24.5650% | 95 |
| Retained earnings to average equity (ytd only) | 2.4881% | 4,402 |
| Net charge-offs to loans | 3.0336% | 33 |
| Credit loss provision to net charge-offs | 116.0571% | 2,037 |
| Earnings coverage of net charge-offs (x) | 2.5081% | 3,239 |
| Efficiency ratio | 35.5622% | 5,394 |
| Assets per employee ($millions) | 8.6976% | 495 |
| Cash dividends to net income (ytd only)* | 89.8712% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3611% | 97 |
| Loan loss allowance to noncurrent loans | 278.6066% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 1,447 |
| Noncurrent loans to loans | 1.2064% | 1,406 |
| Net loans and leases to total assets | 80.4703% | 950 |
| Net loans and leases to deposits | 128.4440% | 57 |
| Net loans and leases to core deposits | 206.5284% | 36 |
| Total domestic deposits to total assets | 62.6501% | 5,368 |
| Equity capital to assets | 10.3143% | 3,320 |
| Core capital (leverage) ratio | 10.4065% | 3,182 |
| Tier 1 risk-based capital ratio | 12.1440% | 4,416 |
| Total risk-based capital ratio | 14.7055% | 3,563 |
| Memoranda: | ||
| Average total assets | $101,202,897,750 | 30 |
| Average earning assets | $97,874,399,000 | 29 |
| Average equity | $10,659,475,750 | 33 |
| Average total loans | $84,650,155,250 | 19 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0401% | 18 |
| Cost of funding earning assets | 1.8242% | 12 |
| Net interest margin | 9.2158% | 22 |
| Noninterest income to average assets | 0.8910% | 1,206 |
| Noninterest expense to average assets | 3.5171% | 976 |
| Loan and lease loss provision to assets | 2.9810% | 20 |
| Net operating income to assets | 2.5333% | 142 |
| Return on assets (ROA) | 2.5336% | 144 |
| Pretax return on assets | 3.3120% | 83 |
| Return on Equity (ROE) | 23.8821% | 111 |
| Retained earnings to average equity (ytd only) | 3.5541% | 3,822 |
| Net charge-offs to loans | 3.0587% | 31 |
| Credit loss provision to net charge-offs | 116.3388% | 1,827 |
| Earnings coverage of net charge-offs (x) | 2.4558% | 2,969 |
| Efficiency ratio | 35.8509% | 5,453 |
| Assets per employee ($millions) | 8.0054% | 626 |
| Cash dividends to net income (ytd only)* | 85.1181% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3279% | 101 |
| Loan loss allowance to noncurrent loans | 283.3807% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.9833% | 1,530 |
| Noncurrent loans to loans | 1.1744% | 1,478 |
| Net loans and leases to total assets | 80.9292% | 867 |
| Net loans and leases to deposits | 129.6061% | 45 |
| Net loans and leases to core deposits | 208.0356% | 37 |
| Total domestic deposits to total assets | 62.4424% | 5,429 |
| Equity capital to assets | 10.6154% | 3,014 |
| Core capital (leverage) ratio | 10.6590% | 2,855 |
| Tier 1 risk-based capital ratio | 12.4571% | 4,214 |
| Total risk-based capital ratio | 14.4755% | 3,697 |
| Memoranda: | ||
| Average total assets | $100,161,481,330 | 30 |
| Average earning assets | $96,933,516,000 | 29 |
| Average equity | $10,625,765,000 | 33 |
| Average total loans | $83,909,465,670 | 19 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9744% | 16 |
| Cost of funding earning assets | 1.7564% | 11 |
| Net interest margin | 9.2180% | 20 |
| Noninterest income to average assets | 0.9066% | 1,134 |
| Noninterest expense to average assets | 3.4613% | 1,062 |
| Loan and lease loss provision to assets | 3.0150% | 19 |
| Net operating income to assets | 2.5738% | 130 |
| Return on assets (ROA) | 2.5738% | 131 |
| Pretax return on assets | 3.3452% | 89 |
| Return on Equity (ROE) | 24.2690% | 97 |
| Retained earnings to average equity (ytd only) | 1.1718% | 4,582 |
| Net charge-offs to loans | 3.0417% | 34 |
| Credit loss provision to net charge-offs | 118.2785% | 1,393 |
| Earnings coverage of net charge-offs (x) | 2.4951% | 2,455 |
| Efficiency ratio | 35.2401% | 5,519 |
| Assets per employee ($millions) | 8.0344% | 618 |
| Cash dividends to net income (ytd only)* | 95.1717% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2975% | 109 |
| Loan loss allowance to noncurrent loans | 261.4584% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 1.0384% | 1,514 |
| Noncurrent loans to loans | 1.2612% | 1,431 |
| Net loans and leases to total assets | 79.6040% | 997 |
| Net loans and leases to deposits | 127.1014% | 51 |
| Net loans and leases to core deposits | 208.3218% | 37 |
| Total domestic deposits to total assets | 62.6303% | 5,501 |
| Equity capital to assets | 10.5330% | 3,043 |
| Core capital (leverage) ratio | 10.6340% | 2,815 |
| Tier 1 risk-based capital ratio | 12.5822% | 4,188 |
| Total risk-based capital ratio | 14.7373% | 3,575 |
| Memoranda: | ||
| Average total assets | $99,611,967,000 | 29 |
| Average earning assets | $96,337,189,500 | 28 |
| Average equity | $10,564,033,500 | 32 |
| Average total loans | $83,479,006,500 | 18 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8820% | 16 |
| Cost of funding earning assets | 1.6042% | 14 |
| Net interest margin | 9.2778% | 21 |
| Noninterest income to average assets | 0.9962% | 1,026 |
| Noninterest expense to average assets | 3.5872% | 908 |
| Loan and lease loss provision to assets | 2.7368% | 22 |
| Net operating income to assets | 2.0925% | 237 |
| Return on assets (ROA) | 2.0947% | 242 |
| Pretax return on assets | 3.6298% | 72 |
| Return on Equity (ROE) | 18.7111% | 260 |
| Retained earnings to average equity (ytd only) | 0.7932% | 4,719 |
| Net charge-offs to loans | 2.6750% | 52 |
| Credit loss provision to net charge-offs | 122.1206% | 2,141 |
| Earnings coverage of net charge-offs (x) | 2.8394% | 3,692 |
| Efficiency ratio | 36.0479% | 5,579 |
| Assets per employee ($millions) | 8.3428% | 562 |
| Cash dividends to net income (ytd only)* | 95.7607% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1024% | 130 |
| Loan loss allowance to noncurrent loans | 263.6134% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.0041% | 1,533 |
| Noncurrent loans to loans | 1.1769% | 1,510 |
| Net loans and leases to total assets | 82.6697% | 601 |
| Net loans and leases to deposits | 134.1912% | 32 |
| Net loans and leases to core deposits | 222.3919% | 36 |
| Total domestic deposits to total assets | 61.6059% | 5,574 |
| Equity capital to assets | 10.6786% | 2,959 |
| Core capital (leverage) ratio | 10.7702% | 2,567 |
| Tier 1 risk-based capital ratio | 12.2623% | 4,358 |
| Total risk-based capital ratio | 14.3949% | 3,739 |
| Memoranda: | ||
| Average total assets | $94,473,161,200 | 29 |
| Average earning assets | $91,178,716,400 | 29 |
| Average equity | $10,576,024,600 | 31 |
| Average total loans | $79,146,428,600 | 19 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7843% | 17 |
| Cost of funding earning assets | 1.5859% | 11 |
| Net interest margin | 9.1985% | 21 |
| Noninterest income to average assets | 0.9885% | 1,053 |
| Noninterest expense to average assets | 3.5179% | 965 |
| Loan and lease loss provision to assets | 2.7241% | 27 |
| Net operating income to assets | 2.3563% | 166 |
| Return on assets (ROA) | 2.3592% | 166 |
| Pretax return on assets | 3.6307% | 78 |
| Return on Equity (ROE) | 20.8204% | 185 |
| Retained earnings to average equity (ytd only) | 3.5625% | 3,793 |
| Net charge-offs to loans | 2.6199% | 53 |
| Credit loss provision to net charge-offs | 124.7176% | 1,946 |
| Earnings coverage of net charge-offs (x) | 2.9074% | 3,410 |
| Efficiency ratio | 35.6462% | 5,645 |
| Assets per employee ($millions) | 8.0683% | 615 |
| Cash dividends to net income (ytd only)* | 82.8892% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1397% | 137 |
| Loan loss allowance to noncurrent loans | 286.2664% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 1,861 |
| Noncurrent loans to loans | 1.0968% | 1,750 |
| Net loans and leases to total assets | 80.9399% | 852 |
| Net loans and leases to deposits | 133.8902% | 31 |
| Net loans and leases to core deposits | 216.1042% | 38 |
| Total domestic deposits to total assets | 60.4525% | 5,653 |
| Equity capital to assets | 11.1532% | 2,714 |
| Core capital (leverage) ratio | 11.2819% | 2,198 |
| Tier 1 risk-based capital ratio | 13.0044% | 4,006 |
| Total risk-based capital ratio | 15.2206% | 3,376 |
| Memoranda: | ||
| Average total assets | $93,409,168,000 | 29 |
| Average earning assets | $90,173,376,500 | 29 |
| Average equity | $10,584,304,000 | 31 |
| Average total loans | $77,874,969,500 | 19 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6349% | 18 |
| Cost of funding earning assets | 1.5501% | 15 |
| Net interest margin | 9.0849% | 24 |
| Noninterest income to average assets | 1.0140% | 990 |
| Noninterest expense to average assets | 3.5023% | 1,009 |
| Loan and lease loss provision to assets | 2.6662% | 29 |
| Net operating income to assets | 2.3269% | 168 |
| Return on assets (ROA) | 2.3269% | 166 |
| Pretax return on assets | 3.6163% | 85 |
| Return on Equity (ROE) | 20.4242% | 202 |
| Retained earnings to average equity (ytd only) | 2.8619% | 4,009 |
| Net charge-offs to loans | 2.6099% | 56 |
| Credit loss provision to net charge-offs | 122.6328% | 1,760 |
| Earnings coverage of net charge-offs (x) | 2.8897% | 3,109 |
| Efficiency ratio | 35.7917% | 5,698 |
| Assets per employee ($millions) | 7.4949% | 742 |
| Cash dividends to net income (ytd only)* | 85.9876% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0476% | 156 |
| Loan loss allowance to noncurrent loans | 283.4615% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9058% | 1,955 |
| Noncurrent loans to loans | 1.0751% | 1,823 |
| Net loans and leases to total assets | 81.6661% | 717 |
| Net loans and leases to deposits | 136.9725% | 29 |
| Net loans and leases to core deposits | 213.8652% | 39 |
| Total domestic deposits to total assets | 59.6222% | 5,701 |
| Equity capital to assets | 11.4504% | 2,365 |
| Core capital (leverage) ratio | 11.4293% | 2,025 |
| Tier 1 risk-based capital ratio | 13.2987% | 3,801 |
| Total risk-based capital ratio | 15.5471% | 3,189 |
| Memoranda: | ||
| Average total assets | $92,460,803,330 | 29 |
| Average earning assets | $89,264,914,330 | 29 |
| Average equity | $10,533,934,670 | 31 |
| Average total loans | $77,022,110,000 | 19 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5261% | 20 |
| Cost of funding earning assets | 1.5225% | 15 |
| Net interest margin | 9.0036% | 24 |
| Noninterest income to average assets | 0.9475% | 1,112 |
| Noninterest expense to average assets | 3.4521% | 1,113 |
| Loan and lease loss provision to assets | 2.5699% | 27 |
| Net operating income to assets | 2.3470% | 178 |
| Return on assets (ROA) | 2.3470% | 178 |
| Pretax return on assets | 3.6170% | 96 |
| Return on Equity (ROE) | 20.6532% | 204 |
| Retained earnings to average equity (ytd only) | 4.4631% | 3,188 |
| Net charge-offs to loans | 2.5425% | 69 |
| Credit loss provision to net charge-offs | 122.0183% | 1,379 |
| Earnings coverage of net charge-offs (x) | 2.9376% | 2,533 |
| Efficiency ratio | 35.8114% | 5,755 |
| Assets per employee ($millions) | 7.9285% | 640 |
| Cash dividends to net income (ytd only)* | 78.3901% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9770% | 181 |
| Loan loss allowance to noncurrent loans | 266.4515% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.9049% | 2,046 |
| Noncurrent loans to loans | 1.1173% | 1,830 |
| Net loans and leases to total assets | 78.5742% | 1,041 |
| Net loans and leases to deposits | 130.8426% | 32 |
| Net loans and leases to core deposits | 209.2577% | 40 |
| Total domestic deposits to total assets | 60.0525% | 5,768 |
| Equity capital to assets | 11.2792% | 2,364 |
| Core capital (leverage) ratio | 11.3292% | 2,077 |
| Tier 1 risk-based capital ratio | 13.6020% | 3,720 |
| Total risk-based capital ratio | 16.0029% | 3,014 |
| Memoranda: | ||
| Average total assets | $92,399,180,000 | 29 |
| Average earning assets | $89,195,380,500 | 29 |
| Average equity | $10,500,274,500 | 31 |
| Average total loans | $76,539,904,000 | 20 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4993% | 20 |
| Cost of funding earning assets | 1.4775% | 20 |
| Net interest margin | 9.0218% | 23 |
| Noninterest income to average assets | 1.1195% | 915 |
| Noninterest expense to average assets | 3.6343% | 968 |
| Loan and lease loss provision to assets | 2.1152% | 34 |
| Net operating income to assets | 2.6282% | 123 |
| Return on assets (ROA) | 2.6289% | 124 |
| Pretax return on assets | 4.0572% | 63 |
| Return on Equity (ROE) | 22.6830% | 128 |
| Retained earnings to average equity (ytd only) | 5.0048% | 2,345 |
| Net charge-offs to loans | 2.1329% | 66 |
| Credit loss provision to net charge-offs | 119.2416% | 2,228 |
| Earnings coverage of net charge-offs (x) | 3.4790% | 3,660 |
| Efficiency ratio | 37.0604% | 5,818 |
| Assets per employee ($millions) | 8.1812% | 558 |
| Cash dividends to net income (ytd only)* | 77.9357% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7850% | 228 |
| Loan loss allowance to noncurrent loans | 262.9257% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 2,116 |
| Noncurrent loans to loans | 1.0592% | 1,957 |
| Net loans and leases to total assets | 82.3780% | 555 |
| Net loans and leases to deposits | 139.3024% | 23 |
| Net loans and leases to core deposits | 225.4930% | 34 |
| Total domestic deposits to total assets | 59.1361% | 5,831 |
| Equity capital to assets | 11.4512% | 2,211 |
| Core capital (leverage) ratio | 11.6409% | 1,832 |
| Tier 1 risk-based capital ratio | 13.1737% | 3,962 |
| Total risk-based capital ratio | 15.5485% | 3,217 |
| Memoranda: | ||
| Average total assets | $87,855,657,000 | 28 |
| Average earning assets | $84,588,230,400 | 28 |
| Average equity | $10,182,055,200 | 30 |
| Average total loans | $73,067,050,200 | 21 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4181% | 20 |
| Cost of funding earning assets | 1.4703% | 20 |
| Net interest margin | 8.9478% | 22 |
| Noninterest income to average assets | 1.1519% | 860 |
| Noninterest expense to average assets | 3.6954% | 852 |
| Loan and lease loss provision to assets | 1.9587% | 40 |
| Net operating income to assets | 2.6811% | 123 |
| Return on assets (ROA) | 2.6811% | 126 |
| Pretax return on assets | 4.1155% | 66 |
| Return on Equity (ROE) | 23.0621% | 126 |
| Retained earnings to average equity (ytd only) | 5.2070% | 2,691 |
| Net charge-offs to loans | 2.0813% | 60 |
| Credit loss provision to net charge-offs | 113.7185% | 2,178 |
| Earnings coverage of net charge-offs (x) | 3.5266% | 3,406 |
| Efficiency ratio | 37.8234% | 5,867 |
| Assets per employee ($millions) | 8.1935% | 540 |
| Cash dividends to net income (ytd only)* | 77.4220% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7295% | 257 |
| Loan loss allowance to noncurrent loans | 283.4287% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 2,562 |
| Noncurrent loans to loans | 0.9630% | 2,314 |
| Net loans and leases to total assets | 80.0557% | 888 |
| Net loans and leases to deposits | 139.6374% | 18 |
| Net loans and leases to core deposits | 219.2066% | 38 |
| Total domestic deposits to total assets | 57.3311% | 5,907 |
| Equity capital to assets | 11.5438% | 2,476 |
| Core capital (leverage) ratio | 11.7195% | 1,869 |
| Tier 1 risk-based capital ratio | 13.6368% | 3,778 |
| Total risk-based capital ratio | 16.1148% | 3,048 |
| Memoranda: | ||
| Average total assets | $87,032,822,500 | 29 |
| Average earning assets | $83,822,663,250 | 28 |
| Average equity | $10,118,216,500 | 30 |
| Average total loans | $72,024,781,750 | 20 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3481% | 19 |
| Cost of funding earning assets | 1.4606% | 22 |
| Net interest margin | 8.8875% | 23 |
| Noninterest income to average assets | 1.1708% | 817 |
| Noninterest expense to average assets | 3.7317% | 838 |
| Loan and lease loss provision to assets | 1.9333% | 41 |
| Net operating income to assets | 2.6697% | 118 |
| Return on assets (ROA) | 2.6697% | 118 |
| Pretax return on assets | 4.0593% | 66 |
| Return on Equity (ROE) | 22.9077% | 132 |
| Retained earnings to average equity (ytd only) | 5.8981% | 2,184 |
| Net charge-offs to loans | 2.1125% | 68 |
| Credit loss provision to net charge-offs | 110.3819% | 1,957 |
| Earnings coverage of net charge-offs (x) | 3.4215% | 3,113 |
| Efficiency ratio | 38.3728% | 5,937 |
| Assets per employee ($millions) | 7.4854% | 703 |
| Cash dividends to net income (ytd only)* | 74.2527% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6858% | 287 |
| Loan loss allowance to noncurrent loans | 297.1728% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 2,716 |
| Noncurrent loans to loans | 0.9038% | 2,477 |
| Net loans and leases to total assets | 81.1443% | 729 |
| Net loans and leases to deposits | 138.5812% | 17 |
| Net loans and leases to core deposits | 222.4609% | 40 |
| Total domestic deposits to total assets | 58.5536% | 5,982 |
| Equity capital to assets | 11.8342% | 2,243 |
| Core capital (leverage) ratio | 11.8018% | 1,770 |
| Tier 1 risk-based capital ratio | 13.8076% | 3,719 |
| Total risk-based capital ratio | 16.3119% | 2,990 |
| Memoranda: | ||
| Average total assets | $86,263,297,330 | 30 |
| Average earning assets | $83,022,881,000 | 28 |
| Average equity | $10,053,144,670 | 29 |
| Average total loans | $71,523,080,000 | 20 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3493% | 18 |
| Cost of funding earning assets | 1.4533% | 21 |
| Net interest margin | 8.8960% | 25 |
| Noninterest income to average assets | 1.2192% | 727 |
| Noninterest expense to average assets | 3.6751% | 926 |
| Loan and lease loss provision to assets | 1.9612% | 41 |
| Net operating income to assets | 2.5995% | 138 |
| Return on assets (ROA) | 2.5995% | 142 |
| Pretax return on assets | 4.1344% | 72 |
| Return on Equity (ROE) | 22.4793% | 145 |
| Retained earnings to average equity (ytd only) | 4.8392% | 3,042 |
| Net charge-offs to loans | 2.0853% | 72 |
| Credit loss provision to net charge-offs | 113.7511% | 1,487 |
| Earnings coverage of net charge-offs (x) | 3.5355% | 2,530 |
| Efficiency ratio | 37.6110% | 6,009 |
| Assets per employee ($millions) | 7.7676% | 617 |
| Cash dividends to net income (ytd only)* | 78.4725% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7082% | 309 |
| Loan loss allowance to noncurrent loans | 274.1853% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.8000% | 2,699 |
| Noncurrent loans to loans | 0.9877% | 2,408 |
| Net loans and leases to total assets | 78.7884% | 977 |
| Net loans and leases to deposits | 135.3142% | 21 |
| Net loans and leases to core deposits | 224.9048% | 35 |
| Total domestic deposits to total assets | 58.2263% | 6,046 |
| Equity capital to assets | 11.5555% | 2,390 |
| Core capital (leverage) ratio | 11.6354% | 1,881 |
| Tier 1 risk-based capital ratio | 13.6974% | 3,869 |
| Total risk-based capital ratio | 16.3479% | 3,049 |
| Memoranda: | ||
| Average total assets | $86,279,123,000 | 30 |
| Average earning assets | $82,937,617,000 | 28 |
| Average equity | $9,977,306,000 | 29 |
| Average total loans | $71,332,964,500 | 20 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2093% | 19 |
| Cost of funding earning assets | 1.3972% | 24 |
| Net interest margin | 8.8121% | 22 |
| Noninterest income to average assets | 1.2537% | 764 |
| Noninterest expense to average assets | 3.7078% | 964 |
| Loan and lease loss provision to assets | 1.8101% | 36 |
| Net operating income to assets | 2.6818% | 123 |
| Return on assets (ROA) | 2.6883% | 123 |
| Pretax return on assets | 4.2175% | 69 |
| Return on Equity (ROE) | 23.0277% | 135 |
| Retained earnings to average equity (ytd only) | 4.7799% | 2,594 |
| Net charge-offs to loans | 1.9930% | 68 |
| Credit loss provision to net charge-offs | 108.8742% | 2,316 |
| Earnings coverage of net charge-offs (x) | 3.6194% | 3,695 |
| Efficiency ratio | 38.1226% | 6,090 |
| Assets per employee ($millions) | 8.1859% | 515 |
| Cash dividends to net income (ytd only)* | 79.2426% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5603% | 369 |
| Loan loss allowance to noncurrent loans | 267.6383% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.8074% | 2,651 |
| Noncurrent loans to loans | 0.9566% | 2,418 |
| Net loans and leases to total assets | 82.2326% | 576 |
| Net loans and leases to deposits | 141.7450% | 18 |
| Net loans and leases to core deposits | 245.7058% | 34 |
| Total domestic deposits to total assets | 58.0145% | 6,106 |
| Equity capital to assets | 11.5726% | 2,304 |
| Core capital (leverage) ratio | 11.6423% | 1,859 |
| Tier 1 risk-based capital ratio | 13.2539% | 4,133 |
| Total risk-based capital ratio | 15.8771% | 3,291 |
| Memoranda: | ||
| Average total assets | $83,556,532,400 | 29 |
| Average earning assets | $80,325,950,400 | 28 |
| Average equity | $9,754,636,800 | 29 |
| Average total loans | $69,701,803,400 | 20 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1410% | 20 |
| Cost of funding earning assets | 1.3828% | 27 |
| Net interest margin | 8.7582% | 22 |
| Noninterest income to average assets | 1.2949% | 718 |
| Noninterest expense to average assets | 3.6617% | 1,027 |
| Loan and lease loss provision to assets | 1.6488% | 28 |
| Net operating income to assets | 2.8088% | 106 |
| Return on assets (ROA) | 2.8171% | 105 |
| Pretax return on assets | 4.4207% | 64 |
| Return on Equity (ROE) | 24.0768% | 132 |
| Retained earnings to average equity (ytd only) | 6.5054% | 1,953 |
| Net charge-offs to loans | 1.9906% | 60 |
| Credit loss provision to net charge-offs | 99.5930% | 2,309 |
| Earnings coverage of net charge-offs (x) | 3.6583% | 3,474 |
| Efficiency ratio | 37.6760% | 6,165 |
| Assets per employee ($millions) | 7.8499% | 579 |
| Cash dividends to net income (ytd only)* | 72.9807% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4629% | 453 |
| Loan loss allowance to noncurrent loans | 266.1248% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.7693% | 2,974 |
| Noncurrent loans to loans | 0.9255% | 2,663 |
| Net loans and leases to total assets | 81.0673% | 695 |
| Net loans and leases to deposits | 140.3608% | 20 |
| Net loans and leases to core deposits | 248.2902% | 36 |
| Total domestic deposits to total assets | 57.7564% | 6,194 |
| Equity capital to assets | 11.7763% | 2,285 |
| Core capital (leverage) ratio | 11.8256% | 1,796 |
| Tier 1 risk-based capital ratio | 13.6843% | 4,034 |
| Total risk-based capital ratio | 16.4042% | 3,150 |
| Memoranda: | ||
| Average total assets | $83,008,788,500 | 29 |
| Average earning assets | $79,833,379,250 | 28 |
| Average equity | $9,712,488,000 | 28 |
| Average total loans | $69,035,950,500 | 19 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0718% | 19 |
| Cost of funding earning assets | 1.3573% | 32 |
| Net interest margin | 8.7144% | 24 |
| Noninterest income to average assets | 1.3072% | 713 |
| Noninterest expense to average assets | 3.6844% | 1,010 |
| Loan and lease loss provision to assets | 1.6817% | 33 |
| Net operating income to assets | 2.7759% | 113 |
| Return on assets (ROA) | 2.7885% | 113 |
| Pretax return on assets | 4.3414% | 69 |
| Return on Equity (ROE) | 23.8846% | 140 |
| Retained earnings to average equity (ytd only) | 6.9784% | 1,711 |
| Net charge-offs to loans | 2.0601% | 68 |
| Credit loss provision to net charge-offs | 98.1338% | 2,098 |
| Earnings coverage of net charge-offs (x) | 3.5032% | 3,184 |
| Efficiency ratio | 38.0276% | 6,236 |
| Assets per employee ($millions) | 7.8243% | 576 |
| Cash dividends to net income (ytd only)* | 70.7827% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4930% | 486 |
| Loan loss allowance to noncurrent loans | 283.2731% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 3,200 |
| Noncurrent loans to loans | 0.8801% | 2,928 |
| Net loans and leases to total assets | 80.4819% | 740 |
| Net loans and leases to deposits | 138.7747% | 25 |
| Net loans and leases to core deposits | 247.8045% | 35 |
| Total domestic deposits to total assets | 57.9946% | 6,261 |
| Equity capital to assets | 11.7595% | 2,192 |
| Core capital (leverage) ratio | 11.7956% | 1,777 |
| Tier 1 risk-based capital ratio | 13.6773% | 4,110 |
| Total risk-based capital ratio | 16.4169% | 3,203 |
| Memoranda: | ||
| Average total assets | $82,583,513,330 | 29 |
| Average earning assets | $79,421,109,670 | 28 |
| Average equity | $9,641,458,670 | 28 |
| Average total loans | $68,697,072,000 | 19 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0930% | 19 |
| Cost of funding earning assets | 1.3279% | 37 |
| Net interest margin | 8.7651% | 24 |
| Noninterest income to average assets | 1.2717% | 710 |
| Noninterest expense to average assets | 3.6296% | 1,101 |
| Loan and lease loss provision to assets | 1.8866% | 32 |
| Net operating income to assets | 2.7110% | 107 |
| Return on assets (ROA) | 2.7366% | 117 |
| Pretax return on assets | 4.2238% | 83 |
| Return on Equity (ROE) | 23.5267% | 140 |
| Retained earnings to average equity (ytd only) | 6.3684% | 2,301 |
| Net charge-offs to loans | 2.0992% | 84 |
| Credit loss provision to net charge-offs | 107.6170% | 1,532 |
| Earnings coverage of net charge-offs (x) | 3.4630% | 2,604 |
| Efficiency ratio | 37.4134% | 6,313 |
| Assets per employee ($millions) | 8.0760% | 527 |
| Cash dividends to net income (ytd only)* | 72.9310% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6053% | 458 |
| Loan loss allowance to noncurrent loans | 270.7568% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7849% | 3,149 |
| Noncurrent loans to loans | 0.9622% | 2,850 |
| Net loans and leases to total assets | 79.4371% | 747 |
| Net loans and leases to deposits | 135.1557% | 27 |
| Net loans and leases to core deposits | 243.2114% | 36 |
| Total domestic deposits to total assets | 58.7745% | 6,333 |
| Equity capital to assets | 11.6386% | 2,347 |
| Core capital (leverage) ratio | 11.7200% | 1,839 |
| Tier 1 risk-based capital ratio | 13.7661% | 4,174 |
| Total risk-based capital ratio | 16.6876% | 3,117 |
| Memoranda: | ||
| Average total assets | $82,171,918,000 | 28 |
| Average earning assets | $79,019,761,000 | 28 |
| Average equity | $9,558,063,000 | 28 |
| Average total loans | $68,623,815,500 | 18 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3666% | 20 |
| Cost of funding earning assets | 1.3225% | 49 |
| Net interest margin | 9.0441% | 22 |
| Noninterest income to average assets | 1.2378% | 790 |
| Noninterest expense to average assets | 3.5291% | 1,420 |
| Loan and lease loss provision to assets | 1.8275% | 39 |
| Net operating income to assets | 2.9003% | 102 |
| Return on assets (ROA) | 2.9036% | 101 |
| Pretax return on assets | 4.5828% | 63 |
| Return on Equity (ROE) | 24.6020% | 114 |
| Retained earnings to average equity (ytd only) | 5.6886% | 2,138 |
| Net charge-offs to loans | 2.0229% | 95 |
| Credit loss provision to net charge-offs | 107.3216% | 2,229 |
| Earnings coverage of net charge-offs (x) | 3.7614% | 3,815 |
| Efficiency ratio | 35.5209% | 6,443 |
| Assets per employee ($millions) | 8.2362% | 487 |
| Cash dividends to net income (ytd only)* | 76.8775% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4774% | 564 |
| Loan loss allowance to noncurrent loans | 259.0450% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.8177% | 3,160 |
| Noncurrent loans to loans | 0.9564% | 2,937 |
| Net loans and leases to total assets | 83.3694% | 391 |
| Net loans and leases to deposits | 147.6675% | 17 |
| Net loans and leases to core deposits | 280.1862% | 34 |
| Total domestic deposits to total assets | 56.4575% | 6,430 |
| Equity capital to assets | 11.6249% | 2,322 |
| Core capital (leverage) ratio | 11.6472% | 1,868 |
| Tier 1 risk-based capital ratio | 13.1363% | 4,635 |
| Total risk-based capital ratio | 15.3131% | 3,967 |
| Memoranda: | ||
| Average total assets | $78,845,572,200 | 28 |
| Average earning assets | $75,813,794,800 | 28 |
| Average equity | $9,305,555,200 | 28 |
| Average total loans | $66,370,539,200 | 18 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3217% | 21 |
| Cost of funding earning assets | 1.3086% | 52 |
| Net interest margin | 9.0131% | 24 |
| Noninterest income to average assets | 1.5080% | 551 |
| Noninterest expense to average assets | 3.4846% | 1,494 |
| Loan and lease loss provision to assets | 1.6838% | 47 |
| Net operating income to assets | 3.1508% | 90 |
| Return on assets (ROA) | 3.1553% | 89 |
| Pretax return on assets | 5.0139% | 60 |
| Return on Equity (ROE) | 26.6298% | 81 |
| Retained earnings to average equity (ytd only) | 7.6211% | 1,521 |
| Net charge-offs to loans | 2.0136% | 101 |
| Credit loss provision to net charge-offs | 99.7482% | 2,253 |
| Earnings coverage of net charge-offs (x) | 3.9635% | 3,560 |
| Efficiency ratio | 34.2419% | 6,517 |
| Assets per employee ($millions) | 7.9452% | 534 |
| Cash dividends to net income (ytd only)* | 71.3814% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4250% | 706 |
| Loan loss allowance to noncurrent loans | 255.7982% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8049% | 3,409 |
| Noncurrent loans to loans | 0.9480% | 3,191 |
| Net loans and leases to total assets | 82.8308% | 427 |
| Net loans and leases to deposits | 144.3645% | 21 |
| Net loans and leases to core deposits | 270.0620% | 35 |
| Total domestic deposits to total assets | 57.3762% | 6,508 |
| Equity capital to assets | 12.0179% | 2,040 |
| Core capital (leverage) ratio | 12.0025% | 1,698 |
| Tier 1 risk-based capital ratio | 13.6519% | 4,444 |
| Total risk-based capital ratio | 15.9214% | 3,717 |
| Memoranda: | ||
| Average total assets | $78,141,486,500 | 29 |
| Average earning assets | $75,143,678,750 | 29 |
| Average equity | $9,258,671,750 | 29 |
| Average total loans | $65,510,532,500 | 19 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2233% | 22 |
| Cost of funding earning assets | 1.2925% | 59 |
| Net interest margin | 8.9308% | 26 |
| Noninterest income to average assets | 1.5240% | 530 |
| Noninterest expense to average assets | 3.4449% | 1,584 |
| Loan and lease loss provision to assets | 1.6185% | 55 |
| Net operating income to assets | 3.1721% | 85 |
| Return on assets (ROA) | 3.1789% | 87 |
| Pretax return on assets | 5.0584% | 62 |
| Return on Equity (ROE) | 26.9601% | 82 |
| Retained earnings to average equity (ytd only) | 7.9965% | 1,332 |
| Net charge-offs to loans | 2.0469% | 109 |
| Credit loss provision to net charge-offs | 94.7221% | 2,100 |
| Earnings coverage of net charge-offs (x) | 3.9014% | 3,203 |
| Efficiency ratio | 34.0660% | 6,588 |
| Assets per employee ($millions) | 7.6291% | 584 |
| Cash dividends to net income (ytd only)* | 70.3395% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4299% | 781 |
| Loan loss allowance to noncurrent loans | 262.3524% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 3,609 |
| Noncurrent loans to loans | 0.9262% | 3,401 |
| Net loans and leases to total assets | 82.7560% | 396 |
| Net loans and leases to deposits | 144.1416% | 21 |
| Net loans and leases to core deposits | 264.5260% | 32 |
| Total domestic deposits to total assets | 57.4130% | 6,576 |
| Equity capital to assets | 12.0638% | 1,931 |
| Core capital (leverage) ratio | 12.0080% | 1,645 |
| Tier 1 risk-based capital ratio | 13.6979% | 4,454 |
| Total risk-based capital ratio | 15.9883% | 3,739 |
| Memoranda: | ||
| Average total assets | $77,815,999,330 | 29 |
| Average earning assets | $74,821,873,000 | 28 |
| Average equity | $9,175,470,000 | 29 |
| Average total loans | $64,959,798,330 | 19 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1257% | 21 |
| Cost of funding earning assets | 1.2854% | 66 |
| Net interest margin | 8.8403% | 27 |
| Noninterest income to average assets | 1.3730% | 617 |
| Noninterest expense to average assets | 3.4073% | 1,686 |
| Loan and lease loss provision to assets | 1.3862% | 74 |
| Net operating income to assets | 3.1439% | 92 |
| Return on assets (ROA) | 3.1575% | 94 |
| Pretax return on assets | 5.1025% | 62 |
| Return on Equity (ROE) | 27.0888% | 95 |
| Retained earnings to average equity (ytd only) | 9.9307% | 982 |
| Net charge-offs to loans | 2.0373% | 129 |
| Credit loss provision to net charge-offs | 82.1639% | 1,882 |
| Earnings coverage of net charge-offs (x) | 3.8335% | 2,619 |
| Efficiency ratio | 34.5010% | 6,648 |
| Assets per employee ($millions) | 7.6412% | 586 |
| Cash dividends to net income (ytd only)* | 63.3403% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4707% | 840 |
| Loan loss allowance to noncurrent loans | 246.3989% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.8173% | 3,693 |
| Noncurrent loans to loans | 1.0027% | 3,413 |
| Net loans and leases to total assets | 79.4802% | 607 |
| Net loans and leases to deposits | 137.9769% | 27 |
| Net loans and leases to core deposits | 256.6509% | 34 |
| Total domestic deposits to total assets | 57.6040% | 6,647 |
| Equity capital to assets | 11.7848% | 2,026 |
| Core capital (leverage) ratio | 11.6891% | 1,836 |
| Tier 1 risk-based capital ratio | 13.7733% | 4,487 |
| Total risk-based capital ratio | 16.0853% | 3,749 |
| Memoranda: | ||
| Average total assets | $78,002,369,500 | 29 |
| Average earning assets | $75,016,216,000 | 27 |
| Average equity | $9,091,905,500 | 30 |
| Average total loans | $64,597,167,000 | 18 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2888% | 25 |
| Cost of funding earning assets | 1.4182% | 67 |
| Net interest margin | 8.8706% | 27 |
| Noninterest income to average assets | 1.6745% | 515 |
| Noninterest expense to average assets | 3.5061% | 1,632 |
| Loan and lease loss provision to assets | 1.4383% | 98 |
| Net operating income to assets | 3.2839% | 88 |
| Return on assets (ROA) | 3.2864% | 87 |
| Pretax return on assets | 5.2194% | 51 |
| Return on Equity (ROE) | 28.2567% | 85 |
| Retained earnings to average equity (ytd only) | 9.7391% | 610 |
| Net charge-offs to loans | 1.9650% | 197 |
| Credit loss provision to net charge-offs | 87.2312% | 2,838 |
| Earnings coverage of net charge-offs (x) | 4.0352% | 3,695 |
| Efficiency ratio | 34.5012% | 6,741 |
| Assets per employee ($millions) | 8.0066% | 472 |
| Cash dividends to net income (ytd only)* | 65.5336% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4886% | 836 |
| Loan loss allowance to noncurrent loans | 260.1988% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 3,869 |
| Noncurrent loans to loans | 0.9564% | 3,600 |
| Net loans and leases to total assets | 82.0445% | 411 |
| Net loans and leases to deposits | 142.1755% | 22 |
| Net loans and leases to core deposits | 267.7810% | 36 |
| Total domestic deposits to total assets | 57.7065% | 6,725 |
| Equity capital to assets | 11.5268% | 2,142 |
| Core capital (leverage) ratio | 11.6214% | 1,882 |
| Tier 1 risk-based capital ratio | 13.1765% | 4,868 |
| Total risk-based capital ratio | 15.4687% | 4,085 |
| Memoranda: | ||
| Average total assets | $74,289,788,000 | 30 |
| Average earning assets | $71,062,454,000 | 29 |
| Average equity | $8,640,396,800 | 30 |
| Average total loans | $62,337,434,400 | 21 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2730% | 26 |
| Cost of funding earning assets | 1.4623% | 59 |
| Net interest margin | 8.8107% | 28 |
| Noninterest income to average assets | 1.7153% | 521 |
| Noninterest expense to average assets | 3.4831% | 1,643 |
| Loan and lease loss provision to assets | 1.3023% | 104 |
| Net operating income to assets | 3.3412% | 89 |
| Return on assets (ROA) | 3.3447% | 90 |
| Pretax return on assets | 5.3526% | 52 |
| Return on Equity (ROE) | 28.6895% | 81 |
| Retained earnings to average equity (ytd only) | 10.7678% | 623 |
| Net charge-offs to loans | 1.9975% | 191 |
| Credit loss provision to net charge-offs | 77.7563% | 2,901 |
| Earnings coverage of net charge-offs (x) | 3.9701% | 3,568 |
| Efficiency ratio | 34.3664% | 6,814 |
| Assets per employee ($millions) | 7.6743% | 538 |
| Cash dividends to net income (ytd only)* | 62.4677% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5310% | 904 |
| Loan loss allowance to noncurrent loans | 272.9570% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 4,148 |
| Noncurrent loans to loans | 0.9273% | 3,961 |
| Net loans and leases to total assets | 82.3173% | 346 |
| Net loans and leases to deposits | 141.3481% | 20 |
| Net loans and leases to core deposits | 251.8661% | 37 |
| Total domestic deposits to total assets | 58.2373% | 6,796 |
| Equity capital to assets | 11.9322% | 1,957 |
| Core capital (leverage) ratio | 11.9585% | 1,698 |
| Tier 1 risk-based capital ratio | 13.5372% | 4,730 |
| Total risk-based capital ratio | 15.8760% | 3,945 |
| Memoranda: | ||
| Average total assets | $73,386,145,500 | 30 |
| Average earning assets | $70,109,994,750 | 29 |
| Average equity | $8,555,534,250 | 30 |
| Average total loans | $61,534,926,500 | 21 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1821% | 23 |
| Cost of funding earning assets | 1.5024% | 52 |
| Net interest margin | 8.6796% | 29 |
| Noninterest income to average assets | 1.7456% | 549 |
| Noninterest expense to average assets | 3.4664% | 1,686 |
| Loan and lease loss provision to assets | 1.0502% | 170 |
| Net operating income to assets | 3.4329% | 86 |
| Return on assets (ROA) | 3.4382% | 89 |
| Pretax return on assets | 5.5222% | 52 |
| Return on Equity (ROE) | 29.7268% | 74 |
| Retained earnings to average equity (ytd only) | 13.1837% | 360 |
| Net charge-offs to loans | 2.0635% | 217 |
| Credit loss provision to net charge-offs | 60.8472% | 2,998 |
| Earnings coverage of net charge-offs (x) | 3.8031% | 3,300 |
| Efficiency ratio | 34.5487% | 6,857 |
| Assets per employee ($millions) | 7.6745% | 519 |
| Cash dividends to net income (ytd only)* | 55.6504% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5107% | 974 |
| Loan loss allowance to noncurrent loans | 268.3720% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.7839% | 4,264 |
| Noncurrent loans to loans | 0.9355% | 4,053 |
| Net loans and leases to total assets | 81.6748% | 380 |
| Net loans and leases to deposits | 140.5404% | 24 |
| Net loans and leases to core deposits | 246.5133% | 37 |
| Total domestic deposits to total assets | 58.1148% | 6,848 |
| Equity capital to assets | 11.8857% | 1,985 |
| Core capital (leverage) ratio | 11.6952% | 1,805 |
| Tier 1 risk-based capital ratio | 13.5000% | 4,772 |
| Total risk-based capital ratio | 15.8517% | 3,994 |
| Memoranda: | ||
| Average total assets | $73,170,070,670 | 30 |
| Average earning assets | $69,843,360,670 | 29 |
| Average equity | $8,462,738,670 | 30 |
| Average total loans | $61,204,685,330 | 21 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1350% | 25 |
| Cost of funding earning assets | 1.5081% | 58 |
| Net interest margin | 8.6269% | 28 |
| Noninterest income to average assets | 1.6260% | 587 |
| Noninterest expense to average assets | 3.4336% | 1,758 |
| Loan and lease loss provision to assets | 0.8666% | 235 |
| Net operating income to assets | 3.4671% | 80 |
| Return on assets (ROA) | 3.4776% | 86 |
| Pretax return on assets | 5.5893% | 55 |
| Return on Equity (ROE) | 30.4898% | 73 |
| Retained earnings to average equity (ytd only) | 16.1050% | 270 |
| Net charge-offs to loans | 2.0468% | 224 |
| Credit loss provision to net charge-offs | 50.6536% | 2,589 |
| Earnings coverage of net charge-offs (x) | 3.7640% | 2,681 |
| Efficiency ratio | 34.7687% | 6,928 |
| Assets per employee ($millions) | 8.0881% | 472 |
| Cash dividends to net income (ytd only)* | 47.1790% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7200% | 893 |
| Loan loss allowance to noncurrent loans | 252.5253% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8688% | 4,207 |
| Noncurrent loans to loans | 1.0771% | 3,995 |
| Net loans and leases to total assets | 78.4673% | 565 |
| Net loans and leases to deposits | 137.8344% | 29 |
| Net loans and leases to core deposits | 243.1122% | 38 |
| Total domestic deposits to total assets | 56.9287% | 6,934 |
| Equity capital to assets | 11.4250% | 2,486 |
| Core capital (leverage) ratio | 11.5480% | 1,848 |
| Tier 1 risk-based capital ratio | 13.4604% | 4,899 |
| Total risk-based capital ratio | 15.8398% | 4,078 |
| Memoranda: | ||
| Average total assets | $73,139,866,500 | 30 |
| Average earning assets | $69,919,405,500 | 30 |
| Average equity | $8,342,138,000 | 31 |
| Average total loans | $61,131,409,500 | 19 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3340% | 27 |
| Cost of funding earning assets | 1.7643% | 60 |
| Net interest margin | 8.5697% | 28 |
| Noninterest income to average assets | 1.7152% | 552 |
| Noninterest expense to average assets | 3.9554% | 1,027 |
| Loan and lease loss provision to assets | 1.2038% | 300 |
| Net operating income to assets | 2.9817% | 99 |
| Return on assets (ROA) | 2.9817% | 103 |
| Pretax return on assets | 4.7560% | 57 |
| Return on Equity (ROE) | 28.5307% | 83 |
| Retained earnings to average equity (ytd only) | 8.2402% | 1,053 |
| Net charge-offs to loans | 2.2304% | 299 |
| Credit loss provision to net charge-offs | 65.0553% | 4,318 |
| Earnings coverage of net charge-offs (x) | 3.2209% | 3,820 |
| Efficiency ratio | 39.8735% | 6,928 |
| Assets per employee ($millions) | 8.4465% | 410 |
| Cash dividends to net income (ytd only)* | 71.1181% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8732% | 753 |
| Loan loss allowance to noncurrent loans | 272.7345% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 4,216 |
| Noncurrent loans to loans | 1.0535% | 4,101 |
| Net loans and leases to total assets | 84.1193% | 208 |
| Net loans and leases to deposits | 143.1638% | 30 |
| Net loans and leases to core deposits | 256.9860% | 40 |
| Total domestic deposits to total assets | 58.7574% | 6,982 |
| Equity capital to assets | 11.3858% | 2,552 |
| Core capital (leverage) ratio | 11.0315% | 2,230 |
| Tier 1 risk-based capital ratio | 12.5240% | 5,456 |
| Total risk-based capital ratio | 14.8709% | 4,602 |
| Memoranda: | ||
| Average total assets | $70,737,548,200 | 30 |
| Average earning assets | $67,685,600,600 | 30 |
| Average equity | $7,392,616,800 | 31 |
| Average total loans | $58,684,360,800 | 20 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2597% | 25 |
| Cost of funding earning assets | 1.8024% | 58 |
| Net interest margin | 8.4572% | 31 |
| Noninterest income to average assets | 1.7587% | 508 |
| Noninterest expense to average assets | 3.7276% | 1,329 |
| Loan and lease loss provision to assets | 0.9101% | 481 |
| Net operating income to assets | 3.2471% | 88 |
| Return on assets (ROA) | 3.2471% | 92 |
| Pretax return on assets | 5.2139% | 59 |
| Return on Equity (ROE) | 31.7950% | 61 |
| Retained earnings to average equity (ytd only) | 11.4138% | 627 |
| Net charge-offs to loans | 2.2970% | 288 |
| Credit loss provision to net charge-offs | 48.3019% | 4,441 |
| Earnings coverage of net charge-offs (x) | 3.2501% | 3,727 |
| Efficiency ratio | 37.8175% | 7,049 |
| Assets per employee ($millions) | 8.7053% | 368 |
| Cash dividends to net income (ytd only)* | 64.1021% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9295% | 778 |
| Loan loss allowance to noncurrent loans | 279.0093% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.8463% | 4,601 |
| Noncurrent loans to loans | 1.0500% | 4,339 |
| Net loans and leases to total assets | 78.2430% | 703 |
| Net loans and leases to deposits | 136.3385% | 33 |
| Net loans and leases to core deposits | 245.2167% | 48 |
| Total domestic deposits to total assets | 57.3888% | 7,086 |
| Equity capital to assets | 10.3501% | 4,018 |
| Core capital (leverage) ratio | 10.3631% | 3,086 |
| Tier 1 risk-based capital ratio | 12.1579% | 5,852 |
| Total risk-based capital ratio | 15.3688% | 4,404 |
| Memoranda: | ||
| Average total assets | $70,462,623,000 | 29 |
| Average earning assets | $67,427,439,000 | 31 |
| Average equity | $7,195,964,250 | 32 |
| Average total loans | $57,801,308,750 | 20 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2509% | 24 |
| Cost of funding earning assets | 1.8599% | 55 |
| Net interest margin | 8.3910% | 30 |
| Noninterest income to average assets | 1.8169% | 467 |
| Noninterest expense to average assets | 3.6274% | 1,519 |
| Loan and lease loss provision to assets | 0.9946% | 444 |
| Net operating income to assets | 3.2666% | 86 |
| Return on assets (ROA) | 3.2666% | 89 |
| Pretax return on assets | 5.2365% | 58 |
| Return on Equity (ROE) | 32.1385% | 68 |
| Retained earnings to average equity (ytd only) | 1.0066% | 5,675 |
| Net charge-offs to loans | 2.4167% | 302 |
| Credit loss provision to net charge-offs | 49.8636% | 4,040 |
| Earnings coverage of net charge-offs (x) | 3.1240% | 3,495 |
| Efficiency ratio | 36.7748% | 7,112 |
| Assets per employee ($millions) | 8.9439% | 324 |
| Cash dividends to net income (ytd only)* | 96.8679% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3092% | 586 |
| Loan loss allowance to noncurrent loans | 301.7364% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8818% | 4,612 |
| Noncurrent loans to loans | 1.0967% | 4,332 |
| Net loans and leases to total assets | 77.7439% | 757 |
| Net loans and leases to deposits | 132.7476% | 39 |
| Net loans and leases to core deposits | 237.9285% | 44 |
| Total domestic deposits to total assets | 58.5652% | 7,146 |
| Equity capital to assets | 9.8019% | 4,622 |
| Core capital (leverage) ratio | 9.7648% | 3,762 |
| Tier 1 risk-based capital ratio | 11.4828% | 6,228 |
| Total risk-based capital ratio | 14.7441% | 4,786 |
| Memoranda: | ||
| Average total assets | $69,526,077,670 | 29 |
| Average earning assets | $66,630,156,330 | 31 |
| Average equity | $7,066,711,670 | 32 |
| Average total loans | $57,381,534,330 | 20 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3897% | 25 |
| Cost of funding earning assets | 1.9286% | 57 |
| Net interest margin | 8.4611% | 28 |
| Noninterest income to average assets | 1.7646% | 494 |
| Noninterest expense to average assets | 3.5417% | 1,680 |
| Loan and lease loss provision to assets | 0.4896% | 1,240 |
| Net operating income to assets | 3.6320% | 77 |
| Return on assets (ROA) | 3.6320% | 86 |
| Pretax return on assets | 5.8362% | 51 |
| Return on Equity (ROE) | 35.0845% | 65 |
| Retained earnings to average equity (ytd only) | 18.1955% | 245 |
| Net charge-offs to loans | 2.4973% | 331 |
| Credit loss provision to net charge-offs | 23.4406% | 3,732 |
| Earnings coverage of net charge-offs (x) | 3.0287% | 2,982 |
| Efficiency ratio | 35.8725% | 7,182 |
| Assets per employee ($millions) | 8.7222% | 361 |
| Cash dividends to net income (ytd only)* | 48.1382% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5159% | 529 |
| Loan loss allowance to noncurrent loans | 282.1278% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 4,479 |
| Noncurrent loans to loans | 1.2462% | 4,255 |
| Net loans and leases to total assets | 77.8228% | 611 |
| Net loans and leases to deposits | 133.3335% | 40 |
| Net loans and leases to core deposits | 231.7208% | 44 |
| Total domestic deposits to total assets | 58.3670% | 7,209 |
| Equity capital to assets | 10.4506% | 3,554 |
| Core capital (leverage) ratio | 10.4406% | 2,824 |
| Tier 1 risk-based capital ratio | 12.3362% | 5,729 |
| Total risk-based capital ratio | 15.6625% | 4,138 |
| Memoranda: | ||
| Average total assets | $68,634,172,000 | 29 |
| Average earning assets | $65,729,329,500 | 30 |
| Average equity | $7,105,193,500 | 32 |
| Average total loans | $57,404,067,500 | 19 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7716% | 24 |
| Cost of funding earning assets | 2.1935% | 55 |
| Net interest margin | 8.5780% | 28 |
| Noninterest income to average assets | 2.1299% | 339 |
| Noninterest expense to average assets | 3.5761% | 1,790 |
| Loan and lease loss provision to assets | 1.5138% | 484 |
| Net operating income to assets | 3.3314% | 68 |
| Return on assets (ROA) | 3.3316% | 68 |
| Pretax return on assets | 5.2425% | 57 |
| Return on Equity (ROE) | 32.6331% | 33 |
| Retained earnings to average equity (ytd only) | 11.8014% | 323 |
| Net charge-offs to loans | 3.6870% | 190 |
| Credit loss provision to net charge-offs | 48.6503% | 5,454 |
| Earnings coverage of net charge-offs (x) | 2.1713% | 4,158 |
| Efficiency ratio | 34.5851% | 7,265 |
| Assets per employee ($millions) | 8.4882% | 394 |
| Cash dividends to net income (ytd only)* | 63.8360% | 1,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8207% | 430 |
| Loan loss allowance to noncurrent loans | 288.9767% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 4,328 |
| Noncurrent loans to loans | 1.3222% | 4,169 |
| Net loans and leases to total assets | 83.3798% | 241 |
| Net loans and leases to deposits | 142.7052% | 34 |
| Net loans and leases to core deposits | 251.2943% | 49 |
| Total domestic deposits to total assets | 58.4280% | 7,247 |
| Equity capital to assets | 10.2515% | 3,850 |
| Core capital (leverage) ratio | 10.1873% | 3,102 |
| Tier 1 risk-based capital ratio | 11.4642% | 6,183 |
| Total risk-based capital ratio | 14.7397% | 4,666 |
| Memoranda: | ||
| Average total assets | $64,652,617,400 | 30 |
| Average earning assets | $61,820,965,400 | 28 |
| Average equity | $6,600,522,400 | 33 |
| Average total loans | $54,563,530,000 | 21 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7664% | 25 |
| Cost of funding earning assets | 2.2439% | 57 |
| Net interest margin | 8.5226% | 30 |
| Noninterest income to average assets | 2.1345% | 349 |
| Noninterest expense to average assets | 3.5871% | 1,734 |
| Loan and lease loss provision to assets | 1.4140% | 510 |
| Net operating income to assets | 3.3328% | 77 |
| Return on assets (ROA) | 3.3330% | 78 |
| Pretax return on assets | 5.2843% | 60 |
| Return on Equity (ROE) | 32.6828% | 41 |
| Retained earnings to average equity (ytd only) | 13.7485% | 312 |
| Net charge-offs to loans | 4.0333% | 162 |
| Credit loss provision to net charge-offs | 41.8427% | 5,202 |
| Earnings coverage of net charge-offs (x) | 1.9821% | 4,165 |
| Efficiency ratio | 34.8524% | 7,324 |
| Assets per employee ($millions) | 8.4233% | 409 |
| Cash dividends to net income (ytd only)* | 57.9337% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1574% | 357 |
| Loan loss allowance to noncurrent loans | 302.5916% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 1.1567% | 4,473 |
| Noncurrent loans to loans | 1.3739% | 4,234 |
| Net loans and leases to total assets | 80.6714% | 448 |
| Net loans and leases to deposits | 137.2871% | 39 |
| Net loans and leases to core deposits | 251.5833% | 49 |
| Total domestic deposits to total assets | 58.7611% | 7,317 |
| Equity capital to assets | 10.2421% | 4,028 |
| Core capital (leverage) ratio | 10.4705% | 2,899 |
| Tier 1 risk-based capital ratio | 11.8496% | 6,004 |
| Total risk-based capital ratio | 15.2287% | 4,337 |
| Memoranda: | ||
| Average total assets | $63,871,140,750 | 29 |
| Average earning assets | $61,083,130,250 | 28 |
| Average equity | $6,513,578,500 | 32 |
| Average total loans | $53,514,759,250 | 21 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8240% | 27 |
| Cost of funding earning assets | 2.3173% | 55 |
| Net interest margin | 8.5067% | 33 |
| Noninterest income to average assets | 2.1242% | 336 |
| Noninterest expense to average assets | 3.5922% | 1,759 |
| Loan and lease loss provision to assets | 1.0991% | 745 |
| Net operating income to assets | 3.5369% | 76 |
| Return on assets (ROA) | 3.5372% | 77 |
| Pretax return on assets | 5.5650% | 59 |
| Return on Equity (ROE) | 34.7383% | 45 |
| Retained earnings to average equity (ytd only) | 19.9065% | 93 |
| Net charge-offs to loans | 4.5293% | 161 |
| Credit loss provision to net charge-offs | 29.0101% | 5,006 |
| Earnings coverage of net charge-offs (x) | 1.7588% | 3,986 |
| Efficiency ratio | 35.0010% | 7,402 |
| Assets per employee ($millions) | 8.0765% | 444 |
| Cash dividends to net income (ytd only)* | 42.6957% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5955% | 255 |
| Loan loss allowance to noncurrent loans | 290.6289% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3304% | 4,236 |
| Noncurrent loans to loans | 1.5812% | 4,025 |
| Net loans and leases to total assets | 80.2515% | 506 |
| Net loans and leases to deposits | 142.8712% | 37 |
| Net loans and leases to core deposits | 255.3061% | 55 |
| Total domestic deposits to total assets | 56.1706% | 7,402 |
| Equity capital to assets | 10.7489% | 3,231 |
| Core capital (leverage) ratio | 10.7441% | 2,477 |
| Tier 1 risk-based capital ratio | 12.4903% | 5,354 |
| Total risk-based capital ratio | 15.9990% | 3,614 |
| Memoranda: | ||
| Average total assets | $62,904,325,000 | 31 |
| Average earning assets | $60,131,479,330 | 28 |
| Average equity | $6,405,170,330 | 32 |
| Average total loans | $52,618,970,670 | 22 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8548% | 29 |
| Cost of funding earning assets | 2.3887% | 51 |
| Net interest margin | 8.4661% | 36 |
| Noninterest income to average assets | 1.9981% | 352 |
| Noninterest expense to average assets | 3.5073% | 1,986 |
| Loan and lease loss provision to assets | 2.3009% | 231 |
| Net operating income to assets | 2.6174% | 154 |
| Return on assets (ROA) | 2.6180% | 162 |
| Pretax return on assets | 4.2818% | 95 |
| Return on Equity (ROE) | 26.4468% | 130 |
| Retained earnings to average equity (ytd only) | 18.4165% | 221 |
| Net charge-offs to loans | 4.9740% | 152 |
| Credit loss provision to net charge-offs | 55.4548% | 3,643 |
| Earnings coverage of net charge-offs (x) | 1.5863% | 3,523 |
| Efficiency ratio | 34.7383% | 7,460 |
| Assets per employee ($millions) | 8.5054% | 398 |
| Cash dividends to net income (ytd only)* | 30.3641% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7876% | 115 |
| Loan loss allowance to noncurrent loans | 293.1290% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 1.6091% | 3,831 |
| Noncurrent loans to loans | 1.9744% | 3,605 |
| Net loans and leases to total assets | 76.7764% | 908 |
| Net loans and leases to deposits | 138.3071% | 42 |
| Net loans and leases to core deposits | 258.3749% | 55 |
| Total domestic deposits to total assets | 55.5115% | 7,464 |
| Equity capital to assets | 10.0578% | 3,701 |
| Core capital (leverage) ratio | 10.1059% | 3,024 |
| Tier 1 risk-based capital ratio | 12.0961% | 5,605 |
| Total risk-based capital ratio | 15.6670% | 3,754 |
| Memoranda: | ||
| Average total assets | $62,898,689,500 | 31 |
| Average earning assets | $60,111,750,000 | 28 |
| Average equity | $6,226,379,500 | 32 |
| Average total loans | $52,467,046,000 | 21 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8341% | 34 |
| Cost of funding earning assets | 2.4227% | 140 |
| Net interest margin | 8.4114% | 34 |
| Noninterest income to average assets | 2.3072% | 316 |
| Noninterest expense to average assets | 3.4488% | 2,309 |
| Loan and lease loss provision to assets | 4.9896% | 77 |
| Net operating income to assets | 1.1320% | 1,605 |
| Return on assets (ROA) | 1.1521% | 1,619 |
| Pretax return on assets | 1.9047% | 605 |
| Return on Equity (ROE) | 12.9062% | 1,112 |
| Retained earnings to average equity (ytd only) | 10.6566% | 419 |
| Net charge-offs to loans | 7.2645% | 48 |
| Credit loss provision to net charge-offs | 84.3288% | 5,375 |
| Earnings coverage of net charge-offs (x) | 1.1599% | 4,948 |
| Efficiency ratio | 33.4459% | 7,565 |
| Assets per employee ($millions) | 12.9098% | 127 |
| Cash dividends to net income (ytd only)* | 17.4306% | 3,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1482% | 103 |
| Loan loss allowance to noncurrent loans | 275.8249% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 1.9030% | 3,470 |
| Noncurrent loans to loans | 2.2290% | 3,298 |
| Net loans and leases to total assets | 80.1162% | 650 |
| Net loans and leases to deposits | 144.9654% | 39 |
| Net loans and leases to core deposits | 283.5536% | 51 |
| Total domestic deposits to total assets | 55.2657% | 7,539 |
| Equity capital to assets | 9.7381% | 4,068 |
| Core capital (leverage) ratio | 10.0562% | 3,022 |
| Tier 1 risk-based capital ratio | 11.3381% | 6,050 |
| Total risk-based capital ratio | 14.8739% | 4,086 |
| Memoranda: | ||
| Average total assets | $62,246,415,800 | 30 |
| Average earning assets | $59,234,932,800 | 25 |
| Average equity | $5,556,473,400 | 33 |
| Average total loans | $50,698,255,400 | 19 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8667% | 34 |
| Cost of funding earning assets | 2.4632% | 162 |
| Net interest margin | 8.4036% | 35 |
| Noninterest income to average assets | 2.3012% | 309 |
| Noninterest expense to average assets | 3.3230% | 2,506 |
| Loan and lease loss provision to assets | 5.9389% | 53 |
| Net operating income to assets | 0.6354% | 3,723 |
| Return on assets (ROA) | 0.6622% | 3,756 |
| Pretax return on assets | 1.0730% | 2,916 |
| Return on Equity (ROE) | 7.5914% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.5914% | 1,562 |
| Net charge-offs to loans | 7.8001% | 46 |
| Credit loss provision to net charge-offs | 94.6250% | 4,580 |
| Earnings coverage of net charge-offs (x) | 1.1105% | 4,948 |
| Efficiency ratio | 32.2841% | 7,668 |
| Assets per employee ($millions) | 13.9363% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6557% | 47 |
| Loan loss allowance to noncurrent loans | 293.3285% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 2.0883% | 3,355 |
| Noncurrent loans to loans | 2.6099% | 3,015 |
| Net loans and leases to total assets | 73.8822% | 1,831 |
| Net loans and leases to deposits | 128.9172% | 71 |
| Net loans and leases to core deposits | 269.2389% | 54 |
| Total domestic deposits to total assets | 57.3097% | 7,626 |
| Equity capital to assets | 9.6461% | 4,627 |
| Core capital (leverage) ratio | 9.7177% | 3,598 |
| Tier 1 risk-based capital ratio | 12.1088% | 5,358 |
| Total risk-based capital ratio | 15.9296% | 3,385 |
| Memoranda: | ||
| Average total assets | $62,193,585,250 | 30 |
| Average earning assets | $59,146,275,750 | 25 |
| Average equity | $5,425,046,000 | 33 |
| Average total loans | $50,043,615,750 | 20 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7947% | 34 |
| Cost of funding earning assets | 2.4839% | 186 |
| Net interest margin | 8.3108% | 39 |
| Noninterest income to average assets | 2.2274% | 302 |
| Noninterest expense to average assets | 3.1558% | 3,068 |
| Loan and lease loss provision to assets | 6.7404% | 53 |
| Net operating income to assets | 0.1549% | 5,705 |
| Return on assets (ROA) | 0.1549% | 5,828 |
| Pretax return on assets | 0.2360% | 5,689 |
| Return on Equity (ROE) | 1.8386% | 5,680 |
| Retained earnings to average equity (ytd only) | 1.8386% | 4,949 |
| Net charge-offs to loans | 8.0615% | 60 |
| Credit loss provision to net charge-offs | 103.7244% | 3,935 |
| Earnings coverage of net charge-offs (x) | 1.0736% | 4,722 |
| Efficiency ratio | 31.1462% | 7,734 |
| Assets per employee ($millions) | 13.6816% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9066% | 40 |
| Loan loss allowance to noncurrent loans | 281.0561% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 2.3507% | 3,076 |
| Noncurrent loans to loans | 2.8132% | 2,844 |
| Net loans and leases to total assets | 76.9545% | 1,298 |
| Net loans and leases to deposits | 132.8262% | 66 |
| Net loans and leases to core deposits | 305.4180% | 50 |
| Total domestic deposits to total assets | 57.9362% | 7,685 |
| Equity capital to assets | 9.3630% | 4,910 |
| Core capital (leverage) ratio | 9.0429% | 4,538 |
| Tier 1 risk-based capital ratio | 11.5385% | 5,727 |
| Total risk-based capital ratio | 15.3589% | 3,618 |
| Memoranda: | ||
| Average total assets | $62,800,812,670 | 29 |
| Average earning assets | $59,733,344,000 | 25 |
| Average equity | $5,292,224,000 | 33 |
| Average total loans | $50,624,190,330 | 20 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4789% | 39 |
| Cost of funding earning assets | 2.4646% | 248 |
| Net interest margin | 8.0143% | 46 |
| Noninterest income to average assets | 2.1092% | 318 |
| Noninterest expense to average assets | 3.0393% | 3,526 |
| Loan and lease loss provision to assets | 8.5482% | 49 |
| Net operating income to assets | -1.1240% | 7,179 |
| Return on assets (ROA) | -1.1240% | 7,195 |
| Pretax return on assets | -1.8435% | 7,366 |
| Return on Equity (ROE) | -14.0593% | 7,294 |
| Retained earnings to average equity (ytd only) | -14.0593% | 7,176 |
| Net charge-offs to loans | 8.2953% | 88 |
| Credit loss provision to net charge-offs | 130.0312% | 2,717 |
| Earnings coverage of net charge-offs (x) | 1.0199% | 4,159 |
| Efficiency ratio | 31.1914% | 7,843 |
| Assets per employee ($millions) | 13.9227% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3807% | 35 |
| Loan loss allowance to noncurrent loans | 269.6167% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 2.4547% | 2,961 |
| Noncurrent loans to loans | 3.1084% | 2,581 |
| Net loans and leases to total assets | 72.3533% | 2,371 |
| Net loans and leases to deposits | 127.4294% | 88 |
| Net loans and leases to core deposits | 332.8589% | 50 |
| Total domestic deposits to total assets | 56.7791% | 7,788 |
| Equity capital to assets | 8.0294% | 6,621 |
| Core capital (leverage) ratio | 7.6828% | 6,645 |
| Tier 1 risk-based capital ratio | 10.4758% | 6,654 |
| Total risk-based capital ratio | 13.8388% | 4,617 |
| Memoranda: | ||
| Average total assets | $64,450,540,500 | 29 |
| Average earning assets | $61,398,962,000 | 25 |
| Average equity | $5,152,771,000 | 35 |
| Average total loans | $51,076,213,000 | 19 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8596% | 50 |
| Cost of funding earning assets | 2.9197% | 289 |
| Net interest margin | 5.9400% | 119 |
| Noninterest income to average assets | 6.6601% | 107 |
| Noninterest expense to average assets | 4.6898% | 656 |
| Loan and lease loss provision to assets | 5.3778% | 157 |
| Net operating income to assets | 1.2585% | 1,115 |
| Return on assets (ROA) | 1.2531% | 1,182 |
| Pretax return on assets | 2.1337% | 322 |
| Return on Equity (ROE) | 10.3755% | 1,587 |
| Retained earnings to average equity (ytd only) | 10.3755% | 339 |
| Net charge-offs to loans | 6.8516% | 129 |
| Credit loss provision to net charge-offs | 105.3374% | 5,257 |
| Earnings coverage of net charge-offs (x) | 1.4730% | 4,654 |
| Efficiency ratio | 38.4103% | 7,880 |
| Assets per employee ($millions) | 14.3987% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3634% | 55 |
| Loan loss allowance to noncurrent loans | 229.1318% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 2.5553% | 2,737 |
| Noncurrent loans to loans | 3.2136% | 2,373 |
| Net loans and leases to total assets | 73.6590% | 2,346 |
| Net loans and leases to deposits | 144.5748% | 53 |
| Net loans and leases to core deposits | 165.8917% | 275 |
| Total domestic deposits to total assets | 50.9488% | 7,900 |
| Equity capital to assets | 7.9619% | 6,622 |
| Core capital (leverage) ratio | 10.5556% | 2,550 |
| Tier 1 risk-based capital ratio | 10.1785% | 6,705 |
| Total risk-based capital ratio | 13.4017% | 4,775 |
| Memoranda: | ||
| Average total assets | $43,327,983,600 | 40 |
| Average earning assets | $40,480,679,000 | 38 |
| Average equity | $5,233,135,800 | 34 |
| Average total loans | $32,284,811,000 | 30 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7793% | 41 |
| Cost of funding earning assets | 3.2675% | 155 |
| Net interest margin | 6.5119% | 71 |
| Noninterest income to average assets | 8.1871% | 87 |
| Noninterest expense to average assets | 5.3188% | 401 |
| Loan and lease loss provision to assets | 5.8720% | 112 |
| Net operating income to assets | 1.7882% | 459 |
| Return on assets (ROA) | 1.7677% | 510 |
| Pretax return on assets | 2.9895% | 107 |
| Return on Equity (ROE) | 12.7399% | 1,163 |
| Retained earnings to average equity (ytd only) | 12.7399% | 279 |
| Net charge-offs to loans | 7.5295% | 92 |
| Credit loss provision to net charge-offs | 107.8232% | 4,713 |
| Earnings coverage of net charge-offs (x) | 1.6330% | 4,568 |
| Efficiency ratio | 37.4239% | 7,957 |
| Assets per employee ($millions) | 8.8868% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2847% | 40 |
| Loan loss allowance to noncurrent loans | 250.0317% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 1.7167% | 3,798 |
| Noncurrent loans to loans | 2.9135% | 2,614 |
| Net loans and leases to total assets | 54.6311% | 6,310 |
| Net loans and leases to deposits | 72.1990% | 5,616 |
| Net loans and leases to core deposits | 81.0523% | 6,269 |
| Total domestic deposits to total assets | 75.6673% | 6,648 |
| Equity capital to assets | 16.4829% | 709 |
| Core capital (leverage) ratio | 16.7308% | 587 |
| Tier 1 risk-based capital ratio | 12.6094% | 4,465 |
| Total risk-based capital ratio | 14.4103% | 4,014 |
| Memoranda: | ||
| Average total assets | $37,698,722,500 | 42 |
| Average earning assets | $34,881,497,750 | 41 |
| Average equity | $5,230,790,000 | 36 |
| Average total loans | $27,267,010,500 | 38 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2748% | 36 |
| Cost of funding earning assets | 3.2515% | 235 |
| Net interest margin | 7.0233% | 52 |
| Noninterest income to average assets | 7.4830% | 95 |
| Noninterest expense to average assets | 5.5006% | 380 |
| Loan and lease loss provision to assets | 7.6321% | 79 |
| Net operating income to assets | 0.5516% | 3,873 |
| Return on assets (ROA) | 0.5202% | 4,133 |
| Pretax return on assets | 0.8424% | 3,531 |
| Return on Equity (ROE) | 4.0211% | 4,489 |
| Retained earnings to average equity (ytd only) | 4.0211% | 3,049 |
| Net charge-offs to loans | 7.2649% | 124 |
| Credit loss provision to net charge-offs | 136.1617% | 3,430 |
| Earnings coverage of net charge-offs (x) | 1.5207% | 4,396 |
| Efficiency ratio | 39.2224% | 8,033 |
| Assets per employee ($millions) | 7.8429% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0277% | 49 |
| Loan loss allowance to noncurrent loans | 234.7284% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 2.2602% | 2,883 |
| Noncurrent loans to loans | 2.9940% | 2,417 |
| Net loans and leases to total assets | 70.1857% | 3,655 |
| Net loans and leases to deposits | 89.4490% | 2,905 |
| Net loans and leases to core deposits | 98.6847% | 4,627 |
| Total domestic deposits to total assets | 78.4645% | 5,961 |
| Equity capital to assets | 14.8326% | 1,074 |
| Core capital (leverage) ratio | 14.7977% | 962 |
| Tier 1 risk-based capital ratio | 17.0606% | 2,281 |
| Total risk-based capital ratio | 19.3683% | 1,927 |
| Memoranda: | ||
| Average total assets | $36,961,375,000 | 44 |
| Average earning assets | $34,423,372,670 | 42 |
| Average equity | $4,781,575,000 | 37 |
| Average total loans | $28,517,079,330 | 35 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9599% | 42 |
| Cost of funding earning assets | 3.2893% | 275 |
| Net interest margin | 6.6707% | 66 |
| Noninterest income to average assets | 7.3619% | 90 |
| Noninterest expense to average assets | 5.5312% | 356 |
| Loan and lease loss provision to assets | 9.2242% | 54 |
| Net operating income to assets | -0.7402% | 7,090 |
| Return on assets (ROA) | -0.7515% | 7,133 |
| Pretax return on assets | -1.1773% | 7,244 |
| Return on Equity (ROE) | -6.2709% | 7,087 |
| Retained earnings to average equity (ytd only) | -6.2709% | 6,719 |
| Net charge-offs to loans | 6.5649% | 135 |
| Credit loss provision to net charge-offs | 180.1629% | 2,410 |
| Earnings coverage of net charge-offs (x) | 1.5751% | 3,939 |
| Efficiency ratio | 40.6828% | 8,032 |
| Assets per employee ($millions) | 7.0446% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0305% | 47 |
| Loan loss allowance to noncurrent loans | 224.9850% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 2.3348% | 2,455 |
| Noncurrent loans to loans | 3.1249% | 2,071 |
| Net loans and leases to total assets | 69.4654% | 3,804 |
| Net loans and leases to deposits | 95.4916% | 2,031 |
| Net loans and leases to core deposits | 104.0997% | 4,126 |
| Total domestic deposits to total assets | 72.7450% | 7,092 |
| Equity capital to assets | 13.3220% | 1,605 |
| Core capital (leverage) ratio | 13.8405% | 1,223 |
| Tier 1 risk-based capital ratio | 12.6692% | 4,417 |
| Total risk-based capital ratio | 14.0492% | 4,239 |
| Memoranda: | ||
| Average total assets | $36,901,555,000 | 45 |
| Average earning assets | $34,485,554,000 | 43 |
| Average equity | $4,422,317,500 | 40 |
| Average total loans | $28,779,204,500 | 36 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3332% | 58 |
| Cost of funding earning assets | 4.0110% | 97 |
| Net interest margin | 5.3222% | 273 |
| Noninterest income to average assets | 10.8031% | 74 |
| Noninterest expense to average assets | 6.8728% | 292 |
| Loan and lease loss provision to assets | 5.7023% | 70 |
| Net operating income to assets | 2.0941% | 298 |
| Return on assets (ROA) | 1.8592% | 467 |
| Pretax return on assets | 2.8359% | 113 |
| Return on Equity (ROE) | 16.5618% | 692 |
| Retained earnings to average equity (ytd only) | 13.9424% | 121 |
| Net charge-offs to loans | 4.3525% | 137 |
| Credit loss provision to net charge-offs | 177.7640% | 2,847 |
| Earnings coverage of net charge-offs (x) | 2.7510% | 4,707 |
| Efficiency ratio | 43.7831% | 8,021 |
| Assets per employee ($millions) | 6.9521% | 722 |
| Cash dividends to net income (ytd only)* | 15.8163% | 4,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3954% | 80 |
| Loan loss allowance to noncurrent loans | 213.7278% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 2.0546% | 2,391 |
| Noncurrent loans to loans | 2.5244% | 2,153 |
| Net loans and leases to total assets | 76.9822% | 2,382 |
| Net loans and leases to deposits | 96.4479% | 2,378 |
| Net loans and leases to core deposits | 103.6801% | 4,423 |
| Total domestic deposits to total assets | 79.8174% | 5,094 |
| Equity capital to assets | 10.6001% | 3,389 |
| Core capital (leverage) ratio | 10.8788% | 2,685 |
| Tier 1 risk-based capital ratio | 10.6916% | 6,009 |
| Total risk-based capital ratio | 12.0687% | 5,798 |
| Memoranda: | ||
| Average total assets | $32,307,465,200 | 49 |
| Average earning assets | $29,709,457,600 | 46 |
| Average equity | $3,626,679,200 | 49 |
| Average total loans | $23,810,841,800 | 44 |