Home > Flagstar Bank > Performance and Condition Ratios
Flagstar Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4076% | 1,298 |
| Cost of funding earning assets | 2.3026% | 538 |
| Net interest margin | 3.1050% | 3,088 |
| Noninterest income to average assets | 2.4100% | 225 |
| Noninterest expense to average assets | 2.2487% | 2,985 |
| Loan and lease loss provision to assets | 0.7300% | 107 |
| Net operating income to assets | 2.1868% | 346 |
| Return on assets (ROA) | 2.1863% | 338 |
| Pretax return on assets | 2.2374% | 470 |
| Return on Equity (ROE) | 21.6700% | 481 |
| Retained earnings to average equity (ytd only) | 16.5320% | 242 |
| Net charge-offs to loans | 0.2369% | 456 |
| Credit loss provision to net charge-offs | 400.8720% | 782 |
| Earnings coverage of net charge-offs (x) | 17.0647% | 1,982 |
| Efficiency ratio | 40.9295% | 4,346 |
| Assets per employee ($millions) | 13.2622% | 308 |
| Cash dividends to net income (ytd only)* | 23.6949% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 2,516 |
| Loan loss allowance to noncurrent loans | 80.2563% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 441 |
| Noncurrent loans to loans | 1.4413% | 481 |
| Net loans and leases to total assets | 72.9500% | 1,477 |
| Net loans and leases to deposits | 104.0301% | 356 |
| Net loans and leases to core deposits | 129.0627% | 414 |
| Total domestic deposits to total assets | 70.1200% | 4,287 |
| Equity capital to assets | 9.9831% | 2,022 |
| Core capital (leverage) ratio | 8.5039% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6650% | 2,668 |
| Memoranda: | ||
| Average total assets | $111,962,582,800 | 28 |
| Average earning assets | $101,284,446,800 | 29 |
| Average equity | $11,298,004,600 | 29 |
| Average total loans | $82,233,032,400 | 23 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3690% | 1,184 |
| Cost of funding earning assets | 2.1864% | 509 |
| Net interest margin | 3.1826% | 2,956 |
| Noninterest income to average assets | 3.0900% | 192 |
| Noninterest expense to average assets | 2.2146% | 3,041 |
| Loan and lease loss provision to assets | 0.3400% | 262 |
| Net operating income to assets | 3.2236% | 153 |
| Return on assets (ROA) | 3.2222% | 152 |
| Pretax return on assets | 3.4138% | 166 |
| Return on Equity (ROE) | 31.8400% | 193 |
| Retained earnings to average equity (ytd only) | 26.7332% | 120 |
| Net charge-offs to loans | 0.0384% | 1,339 |
| Credit loss provision to net charge-offs | 1,009.1274% | 397 |
| Earnings coverage of net charge-offs (x) | 133.2508% | 789 |
| Efficiency ratio | 35.2900% | 4,460 |
| Assets per employee ($millions) | 16.8028% | 146 |
| Cash dividends to net income (ytd only)* | 16.0456% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 4,103 |
| Loan loss allowance to noncurrent loans | 64.6635% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 627 |
| Noncurrent loans to loans | 1.1144% | 705 |
| Net loans and leases to total assets | 76.7300% | 1,027 |
| Net loans and leases to deposits | 102.9788% | 391 |
| Net loans and leases to core deposits | 122.8792% | 486 |
| Total domestic deposits to total assets | 74.5100% | 4,123 |
| Equity capital to assets | 10.6074% | 1,508 |
| Core capital (leverage) ratio | 8.6442% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7684% | 2,676 |
| Memoranda: | ||
| Average total assets | $110,889,057,500 | 29 |
| Average earning assets | $100,416,862,500 | 30 |
| Average equity | $11,220,993,750 | 29 |
| Average total loans | $81,341,058,750 | 24 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 1,483 |
| Cost of funding earning assets | 2.0662% | 429 |
| Net interest margin | 2.9770% | 3,489 |
| Noninterest income to average assets | 4.3300% | 138 |
| Noninterest expense to average assets | 2.0397% | 3,495 |
| Loan and lease loss provision to assets | 0.3900% | 217 |
| Net operating income to assets | 4.4309% | 85 |
| Return on assets (ROA) | 4.4295% | 87 |
| Pretax return on assets | 4.5957% | 94 |
| Return on Equity (ROE) | 44.4900% | 85 |
| Retained earnings to average equity (ytd only) | 39.4147% | 53 |
| Net charge-offs to loans | -0.0014% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 27.6192% | 4,556 |
| Assets per employee ($millions) | 17.4922% | 129 |
| Cash dividends to net income (ytd only)* | 11.4106% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 4,189 |
| Loan loss allowance to noncurrent loans | 77.8385% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 821 |
| Noncurrent loans to loans | 0.8935% | 857 |
| Net loans and leases to total assets | 71.5000% | 1,585 |
| Net loans and leases to deposits | 95.7730% | 743 |
| Net loans and leases to core deposits | 114.8519% | 658 |
| Total domestic deposits to total assets | 74.6500% | 4,145 |
| Equity capital to assets | 9.9970% | 1,863 |
| Core capital (leverage) ratio | 8.0578% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7510% | 2,697 |
| Memoranda: | ||
| Average total assets | $110,796,366,333 | 29 |
| Average earning assets | $100,446,007,333 | 30 |
| Average equity | $11,030,686,000 | 29 |
| Average total loans | $79,814,439,667 | 24 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2832% | 2,840 |
| Cost of funding earning assets | 1.9011% | 363 |
| Net interest margin | 2.3821% | 4,395 |
| Noninterest income to average assets | 7.8100% | 99 |
| Noninterest expense to average assets | 1.7400% | 4,137 |
| Loan and lease loss provision to assets | 0.6400% | 109 |
| Net operating income to assets | 7.5608% | 49 |
| Return on assets (ROA) | 7.5766% | 50 |
| Pretax return on assets | 7.6008% | 61 |
| Return on Equity (ROE) | 76.2800% | 33 |
| Retained earnings to average equity (ytd only) | 71.0004% | 22 |
| Net charge-offs to loans | 0.0019% | 1,972 |
| Credit loss provision to net charge-offs | 40,136.8715% | 7 |
| Earnings coverage of net charge-offs (x) | 6,132.9385% | 9 |
| Efficiency ratio | 16.9070% | 4,649 |
| Assets per employee ($millions) | 18.2511% | 115 |
| Cash dividends to net income (ytd only)* | 6.9183% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6554% | 4,299 |
| Loan loss allowance to noncurrent loans | 78.1013% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 893 |
| Noncurrent loans to loans | 0.8392% | 911 |
| Net loans and leases to total assets | 67.3800% | 1,914 |
| Net loans and leases to deposits | 98.0583% | 533 |
| Net loans and leases to core deposits | 123.4084% | 376 |
| Total domestic deposits to total assets | 68.7100% | 4,448 |
| Equity capital to assets | 9.3754% | 2,243 |
| Core capital (leverage) ratio | 10.0752% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3804% | 2,887 |
| Memoranda: | ||
| Average total assets | $106,834,834,000 | 32 |
| Average earning assets | $96,623,336,000 | 32 |
| Average equity | $10,611,824,000 | 32 |
| Average total loans | $76,983,997,000 | 26 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2591% | 80 |
| Cost of funding earning assets | 1.9621% | 7 |
| Net interest margin | 4.2970% | 429 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.8269% | 3,977 |
| Loan and lease loss provision to assets | 0.3500% | 208 |
| Net operating income to assets | 1.4056% | 1,117 |
| Return on assets (ROA) | 1.4059% | 1,076 |
| Pretax return on assets | 1.9105% | 569 |
| Return on Equity (ROE) | 12.6400% | 1,926 |
| Retained earnings to average equity (ytd only) | 4.6664% | 3,191 |
| Net charge-offs to loans | -0.0150% | 3,957 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.3638% | 4,416 |
| Assets per employee ($millions) | 12.0097% | 386 |
| Cash dividends to net income (ytd only)* | 63.0700% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5610% | 4,380 |
| Loan loss allowance to noncurrent loans | 59.9791% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 0.7377% | 645 |
| Noncurrent loans to loans | 0.9353% | 793 |
| Net loans and leases to total assets | 77.4400% | 853 |
| Net loans and leases to deposits | 118.4920% | 77 |
| Net loans and leases to core deposits | 144.8239% | 115 |
| Total domestic deposits to total assets | 65.3500% | 4,536 |
| Equity capital to assets | 10.6985% | 1,375 |
| Core capital (leverage) ratio | 10.8674% | 1,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4336% | 2,880 |
| Memoranda: | ||
| Average total assets | $37,780,991,000 | 64 |
| Average earning assets | $33,421,655,600 | 63 |
| Average equity | $4,203,598,000 | 59 |
| Average total loans | $29,293,962,000 | 50 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9702% | 1,328 |
| Cost of funding earning assets | 0.3227% | 1,937 |
| Net interest margin | 3.6475% | 1,278 |
| Noninterest income to average assets | 5.1700% | 134 |
| Noninterest expense to average assets | 7.0231% | 143 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 1.0830% | 2,165 |
| Return on assets (ROA) | 1.0830% | 2,130 |
| Pretax return on assets | 1.3839% | 1,765 |
| Return on Equity (ROE) | 9.4000% | 2,910 |
| Retained earnings to average equity (ytd only) | 9.4049% | 1,515 |
| Net charge-offs to loans | 0.1527% | 428 |
| Credit loss provision to net charge-offs | -28.3525% | 4,622 |
| Earnings coverage of net charge-offs (x) | 11.3616% | 1,947 |
| Efficiency ratio | 83.5462% | 574 |
| Assets per employee ($millions) | 5.1703% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6641% | 4,311 |
| Loan loss allowance to noncurrent loans | 19.2222% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.6082% | 75 |
| Noncurrent loans to loans | 3.4551% | 125 |
| Net loans and leases to total assets | 74.3100% | 1,072 |
| Net loans and leases to deposits | 108.1575% | 150 |
| Net loans and leases to core deposits | 117.9711% | 297 |
| Total domestic deposits to total assets | 68.7000% | 4,553 |
| Equity capital to assets | 10.9671% | 1,192 |
| Core capital (leverage) ratio | 10.9920% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4930% | 2,266 |
| Memoranda: | ||
| Average total assets | $24,717,074,750 | 89 |
| Average earning assets | $21,670,269,750 | 87 |
| Average equity | $2,846,347,500 | 79 |
| Average total loans | $19,088,273,000 | 70 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5981% | 1,851 |
| Cost of funding earning assets | 0.2061% | 2,837 |
| Net interest margin | 3.3920% | 1,631 |
| Noninterest income to average assets | 6.2918% | 78 |
| Noninterest expense to average assets | 8.1170% | 92 |
| Loan and lease loss provision to assets | -0.1070% | 4,607 |
| Net operating income to assets | 0.9996% | 2,156 |
| Return on assets (ROA) | 0.9996% | 2,128 |
| Pretax return on assets | 1.2789% | 1,818 |
| Return on Equity (ROE) | 8.5394% | 2,852 |
| Retained earnings to average equity (ytd only) | 8.5394% | 1,421 |
| Net charge-offs to loans | 0.2291% | 282 |
| Credit loss provision to net charge-offs | -46.3513% | 3,034 |
| Earnings coverage of net charge-offs (x) | 6.5535% | 1,891 |
| Efficiency ratio | 86.9874% | 538 |
| Assets per employee ($millions) | 4.9339% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 4,430 |
| Loan loss allowance to noncurrent loans | 18.1243% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 2.7319% | 74 |
| Noncurrent loans to loans | 3.4957% | 123 |
| Net loans and leases to total assets | 77.1066% | 629 |
| Net loans and leases to deposits | 110.5719% | 90 |
| Net loans and leases to core deposits | 120.3809% | 193 |
| Total domestic deposits to total assets | 69.7344% | 4,620 |
| Equity capital to assets | 11.4840% | 1,036 |
| Core capital (leverage) ratio | 11.8774% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5720% | 1,837 |
| Memoranda: | ||
| Average total assets | $24,492,294,000 | 88 |
| Average earning assets | $21,640,770,667 | 87 |
| Average equity | $2,866,899,667 | 80 |
| Average total loans | $19,119,909,000 | 69 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 2,269 |
| Cost of funding earning assets | 0.1782% | 3,109 |
| Net interest margin | 3.1597% | 1,993 |
| Noninterest income to average assets | 8.4091% | 69 |
| Noninterest expense to average assets | 10.0615% | 70 |
| Loan and lease loss provision to assets | -0.0626% | 4,540 |
| Net operating income to assets | 0.9420% | 2,101 |
| Return on assets (ROA) | 0.9420% | 2,091 |
| Pretax return on assets | 1.2045% | 1,793 |
| Return on Equity (ROE) | 7.9705% | 2,707 |
| Retained earnings to average equity (ytd only) | 7.9705% | 1,596 |
| Net charge-offs to loans | 0.4452% | 153 |
| Credit loss provision to net charge-offs | -11.1740% | 2,757 |
| Earnings coverage of net charge-offs (x) | 3.2754% | 1,673 |
| Efficiency ratio | 89.4641% | 574 |
| Assets per employee ($millions) | 4.3423% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7271% | 4,349 |
| Loan loss allowance to noncurrent loans | 13.0701% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 4.3291% | 30 |
| Noncurrent loans to loans | 5.5632% | 52 |
| Net loans and leases to total assets | 76.9094% | 450 |
| Net loans and leases to deposits | 98.8307% | 206 |
| Net loans and leases to core deposits | 108.7513% | 283 |
| Total domestic deposits to total assets | 77.8194% | 4,417 |
| Equity capital to assets | 12.4374% | 826 |
| Core capital (leverage) ratio | 11.5014% | 1,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3546% | 1,682 |
| Memoranda: | ||
| Average total assets | $24,314,909,000 | 90 |
| Average earning assets | $21,503,746,000 | 90 |
| Average equity | $2,873,636,000 | 80 |
| Average total loans | $19,039,422,000 | 70 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2282% | 3,410 |
| Cost of funding earning assets | 0.1945% | 3,530 |
| Net interest margin | 3.0337% | 3,096 |
| Noninterest income to average assets | 4.1115% | 134 |
| Noninterest expense to average assets | 4.7072% | 195 |
| Loan and lease loss provision to assets | -0.4022% | 4,805 |
| Net operating income to assets | 1.9633% | 363 |
| Return on assets (ROA) | 1.9633% | 383 |
| Pretax return on assets | 2.5527% | 239 |
| Return on Equity (ROE) | 20.3517% | 291 |
| Retained earnings to average equity (ytd only) | 12.0149% | 534 |
| Net charge-offs to loans | -0.0110% | 3,774 |
| Credit loss provision to net charge-offs | 3,978.6504% | 178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0900% | 1,963 |
| Assets per employee ($millions) | 4.7150% | 3,955 |
| Cash dividends to net income (ytd only)* | 40.9637% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7668% | 4,319 |
| Loan loss allowance to noncurrent loans | 42.4564% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.4532% | 295 |
| Noncurrent loans to loans | 1.8060% | 465 |
| Net loans and leases to total assets | 78.4547% | 352 |
| Net loans and leases to deposits | 106.7868% | 103 |
| Net loans and leases to core deposits | 118.7179% | 173 |
| Total domestic deposits to total assets | 73.4685% | 4,601 |
| Equity capital to assets | 11.2541% | 1,632 |
| Core capital (leverage) ratio | 10.2125% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6456% | 1,998 |
| Memoranda: | ||
| Average total assets | $27,976,343,800 | 80 |
| Average earning assets | $25,325,113,000 | 82 |
| Average equity | $2,698,879,800 | 87 |
| Average total loans | $23,078,041,800 | 59 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1853% | 3,630 |
| Cost of funding earning assets | 0.1979% | 3,621 |
| Net interest margin | 2.9874% | 3,342 |
| Noninterest income to average assets | 4.2829% | 127 |
| Noninterest expense to average assets | 4.6680% | 202 |
| Loan and lease loss provision to assets | -0.4442% | 4,871 |
| Net operating income to assets | 2.1275% | 376 |
| Return on assets (ROA) | 2.1275% | 398 |
| Pretax return on assets | 2.7708% | 238 |
| Return on Equity (ROE) | 22.9016% | 255 |
| Retained earnings to average equity (ytd only) | 11.6148% | 918 |
| Net charge-offs to loans | -0.0297% | 4,128 |
| Credit loss provision to net charge-offs | 1,641.4878% | 376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2001% | 2,074 |
| Assets per employee ($millions) | 4.9432% | 3,750 |
| Cash dividends to net income (ytd only)* | 49.2840% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 4,414 |
| Loan loss allowance to noncurrent loans | 44.4593% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.4436% | 352 |
| Noncurrent loans to loans | 1.6989% | 593 |
| Net loans and leases to total assets | 83.0543% | 136 |
| Net loans and leases to deposits | 110.1971% | 96 |
| Net loans and leases to core deposits | 122.7710% | 160 |
| Total domestic deposits to total assets | 75.3689% | 4,583 |
| Equity capital to assets | 10.2979% | 2,614 |
| Core capital (leverage) ratio | 9.4022% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4209% | 2,572 |
| Memoranda: | ||
| Average total assets | $28,611,008,500 | 80 |
| Average earning assets | $25,971,234,000 | 78 |
| Average equity | $2,657,907,000 | 89 |
| Average total loans | $23,819,735,750 | 58 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0993% | 3,867 |
| Cost of funding earning assets | 0.2022% | 3,730 |
| Net interest margin | 2.8972% | 3,583 |
| Noninterest income to average assets | 4.4095% | 127 |
| Noninterest expense to average assets | 4.8505% | 186 |
| Loan and lease loss provision to assets | -0.4930% | 4,906 |
| Net operating income to assets | 2.0629% | 437 |
| Return on assets (ROA) | 2.0629% | 458 |
| Pretax return on assets | 2.6819% | 267 |
| Return on Equity (ROE) | 22.9757% | 265 |
| Retained earnings to average equity (ytd only) | 5.7820% | 2,897 |
| Net charge-offs to loans | -0.0979% | 4,623 |
| Credit loss provision to net charge-offs | 523.1937% | 666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3744% | 1,832 |
| Assets per employee ($millions) | 4.9142% | 3,734 |
| Cash dividends to net income (ytd only)* | 74.8341% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 4,147 |
| Loan loss allowance to noncurrent loans | 48.5160% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 1.5630% | 346 |
| Noncurrent loans to loans | 1.8602% | 547 |
| Net loans and leases to total assets | 82.1413% | 209 |
| Net loans and leases to deposits | 112.2056% | 89 |
| Net loans and leases to core deposits | 124.0135% | 175 |
| Total domestic deposits to total assets | 73.2061% | 4,684 |
| Equity capital to assets | 9.7093% | 3,134 |
| Core capital (leverage) ratio | 8.8750% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9160% | 2,745 |
| Memoranda: | ||
| Average total assets | $29,149,703,333 | 80 |
| Average earning assets | $26,459,994,333 | 78 |
| Average equity | $2,617,243,333 | 90 |
| Average total loans | $24,229,283,333 | 58 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0553% | 3,977 |
| Cost of funding earning assets | 0.2073% | 3,850 |
| Net interest margin | 2.8481% | 3,643 |
| Noninterest income to average assets | 5.7973% | 108 |
| Noninterest expense to average assets | 6.1016% | 115 |
| Loan and lease loss provision to assets | -0.3699% | 4,887 |
| Net operating income to assets | 2.0427% | 542 |
| Return on assets (ROA) | 2.0427% | 583 |
| Pretax return on assets | 2.6539% | 352 |
| Return on Equity (ROE) | 23.6105% | 313 |
| Retained earnings to average equity (ytd only) | 19.7835% | 280 |
| Net charge-offs to loans | -0.2058% | 4,789 |
| Credit loss provision to net charge-offs | 188.2676% | 908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3148% | 1,464 |
| Assets per employee ($millions) | 5.4250% | 3,188 |
| Cash dividends to net income (ytd only)* | 16.2088% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 3,887 |
| Loan loss allowance to noncurrent loans | 44.7131% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 1.8599% | 291 |
| Noncurrent loans to loans | 2.2069% | 452 |
| Net loans and leases to total assets | 82.2978% | 214 |
| Net loans and leases to deposits | 118.8850% | 73 |
| Net loans and leases to core deposits | 131.2833% | 137 |
| Total domestic deposits to total assets | 69.2247% | 4,782 |
| Equity capital to assets | 9.1294% | 3,564 |
| Core capital (leverage) ratio | 8.4464% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9613% | 2,686 |
| Memoranda: | ||
| Average total assets | $30,203,038,000 | 77 |
| Average earning assets | $27,448,322,000 | 79 |
| Average equity | $2,613,023,000 | 91 |
| Average total loans | $25,136,021,500 | 54 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2773% | 4,361 |
| Cost of funding earning assets | 0.4460% | 3,306 |
| Net interest margin | 2.8313% | 4,208 |
| Noninterest income to average assets | 4.8084% | 118 |
| Noninterest expense to average assets | 4.2097% | 309 |
| Loan and lease loss provision to assets | 0.4777% | 548 |
| Net operating income to assets | 2.0530% | 239 |
| Return on assets (ROA) | 2.0530% | 256 |
| Pretax return on assets | 2.6854% | 153 |
| Return on Equity (ROE) | 25.3587% | 103 |
| Retained earnings to average equity (ytd only) | 21.6863% | 55 |
| Net charge-offs to loans | 0.0423% | 2,216 |
| Credit loss provision to net charge-offs | 1,422.7970% | 591 |
| Earnings coverage of net charge-offs (x) | 94.2122% | 819 |
| Efficiency ratio | 56.4724% | 3,924 |
| Assets per employee ($millions) | 5.9481% | 2,384 |
| Cash dividends to net income (ytd only)* | 14.4818% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,952 |
| Loan loss allowance to noncurrent loans | 54.5561% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.5189% | 475 |
| Noncurrent loans to loans | 1.7910% | 698 |
| Net loans and leases to total assets | 82.5093% | 258 |
| Net loans and leases to deposits | 121.6458% | 69 |
| Net loans and leases to core deposits | 132.4156% | 179 |
| Total domestic deposits to total assets | 67.8276% | 4,820 |
| Equity capital to assets | 8.1987% | 4,626 |
| Core capital (leverage) ratio | 8.1203% | 4,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7502% | 2,982 |
| Memoranda: | ||
| Average total assets | $27,580,416,600 | 78 |
| Average earning assets | $24,980,900,400 | 77 |
| Average equity | $2,232,879,600 | 105 |
| Average total loans | $21,904,441,800 | 63 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3325% | 4,436 |
| Cost of funding earning assets | 0.5254% | 3,078 |
| Net interest margin | 2.8071% | 4,333 |
| Noninterest income to average assets | 4.9484% | 112 |
| Noninterest expense to average assets | 4.2251% | 313 |
| Loan and lease loss provision to assets | 0.6620% | 351 |
| Net operating income to assets | 1.9992% | 296 |
| Return on assets (ROA) | 1.9992% | 324 |
| Pretax return on assets | 2.5988% | 182 |
| Return on Equity (ROE) | 24.7854% | 124 |
| Retained earnings to average equity (ytd only) | 24.7854% | 52 |
| Net charge-offs to loans | 0.0483% | 1,923 |
| Credit loss provision to net charge-offs | 1,750.3826% | 539 |
| Earnings coverage of net charge-offs (x) | 86.2182% | 876 |
| Efficiency ratio | 55.7945% | 3,945 |
| Assets per employee ($millions) | 6.0462% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,475 |
| Loan loss allowance to noncurrent loans | 55.5506% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.5785% | 521 |
| Noncurrent loans to loans | 1.8861% | 673 |
| Net loans and leases to total assets | 81.8047% | 448 |
| Net loans and leases to deposits | 112.9316% | 183 |
| Net loans and leases to core deposits | 122.7221% | 363 |
| Total domestic deposits to total assets | 72.4374% | 4,671 |
| Equity capital to assets | 8.0590% | 4,691 |
| Core capital (leverage) ratio | 7.8852% | 4,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0900% | 3,085 |
| Memoranda: | ||
| Average total assets | $26,722,218,500 | 79 |
| Average earning assets | $24,155,754,250 | 77 |
| Average equity | $2,155,432,500 | 105 |
| Average total loans | $20,920,230,250 | 67 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4449% | 4,488 |
| Cost of funding earning assets | 0.6402% | 2,756 |
| Net interest margin | 2.8047% | 4,443 |
| Noninterest income to average assets | 4.1642% | 121 |
| Noninterest expense to average assets | 4.1943% | 334 |
| Loan and lease loss provision to assets | 0.8136% | 300 |
| Net operating income to assets | 1.3334% | 1,270 |
| Return on assets (ROA) | 1.3334% | 1,370 |
| Pretax return on assets | 1.6857% | 1,032 |
| Return on Equity (ROE) | 16.5250% | 488 |
| Retained earnings to average equity (ytd only) | 16.5250% | 152 |
| Net charge-offs to loans | 0.0587% | 1,663 |
| Credit loss provision to net charge-offs | 1,808.3692% | 527 |
| Earnings coverage of net charge-offs (x) | 55.5500% | 1,023 |
| Efficiency ratio | 61.8976% | 3,145 |
| Assets per employee ($millions) | 5.9116% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 3,403 |
| Loan loss allowance to noncurrent loans | 45.9051% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.8458% | 420 |
| Noncurrent loans to loans | 2.2478% | 555 |
| Net loans and leases to total assets | 80.1304% | 582 |
| Net loans and leases to deposits | 114.8744% | 147 |
| Net loans and leases to core deposits | 124.8659% | 331 |
| Total domestic deposits to total assets | 69.7548% | 4,796 |
| Equity capital to assets | 7.8022% | 4,807 |
| Core capital (leverage) ratio | 7.5662% | 4,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0485% | 3,157 |
| Memoranda: | ||
| Average total assets | $25,812,603,000 | 79 |
| Average earning assets | $23,279,886,333 | 78 |
| Average equity | $2,082,756,000 | 106 |
| Average total loans | $19,777,818,667 | 69 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5724% | 4,562 |
| Cost of funding earning assets | 0.8429% | 2,144 |
| Net interest margin | 2.7295% | 4,639 |
| Noninterest income to average assets | 2.5513% | 191 |
| Noninterest expense to average assets | 3.9422% | 537 |
| Loan and lease loss provision to assets | 0.0675% | 2,914 |
| Net operating income to assets | 0.8047% | 2,894 |
| Return on assets (ROA) | 0.8047% | 2,983 |
| Pretax return on assets | 0.9973% | 2,847 |
| Return on Equity (ROE) | 9.7953% | 1,812 |
| Retained earnings to average equity (ytd only) | 9.7953% | 783 |
| Net charge-offs to loans | 0.0478% | 1,533 |
| Credit loss provision to net charge-offs | 190.1758% | 1,448 |
| Earnings coverage of net charge-offs (x) | 29.9941% | 1,182 |
| Efficiency ratio | 77.6409% | 1,381 |
| Assets per employee ($millions) | 6.0629% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6948% | 4,617 |
| Loan loss allowance to noncurrent loans | 24.2191% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.0718% | 390 |
| Noncurrent loans to loans | 2.8690% | 385 |
| Net loans and leases to total assets | 70.4776% | 2,177 |
| Net loans and leases to deposits | 110.0876% | 186 |
| Net loans and leases to core deposits | 119.6434% | 478 |
| Total domestic deposits to total assets | 64.0195% | 4,991 |
| Equity capital to assets | 7.7865% | 5,004 |
| Core capital (leverage) ratio | 8.1908% | 4,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3036% | 3,275 |
| Memoranda: | ||
| Average total assets | $25,001,099,000 | 79 |
| Average earning assets | $22,494,209,000 | 78 |
| Average equity | $2,053,847,500 | 107 |
| Average total loans | $18,559,993,000 | 72 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 3,358 |
| Cost of funding earning assets | 1.1325% | 1,218 |
| Net interest margin | 3.2302% | 4,126 |
| Noninterest income to average assets | 2.8978% | 157 |
| Noninterest expense to average assets | 4.2849% | 381 |
| Loan and lease loss provision to assets | 0.0853% | 2,298 |
| Net operating income to assets | 1.1418% | 2,283 |
| Return on assets (ROA) | 1.1681% | 2,282 |
| Pretax return on assets | 1.4316% | 2,036 |
| Return on Equity (ROE) | 12.4677% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.4677% | 204 |
| Net charge-offs to loans | 0.2483% | 831 |
| Credit loss provision to net charge-offs | 45.0949% | 3,164 |
| Earnings coverage of net charge-offs (x) | 7.8530% | 2,836 |
| Efficiency ratio | 73.0288% | 1,729 |
| Assets per employee ($millions) | 5.2177% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 4,757 |
| Loan loss allowance to noncurrent loans | 21.9508% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.1403% | 354 |
| Noncurrent loans to loans | 2.6897% | 387 |
| Net loans and leases to total assets | 77.5388% | 1,154 |
| Net loans and leases to deposits | 113.0041% | 139 |
| Net loans and leases to core deposits | 124.7353% | 372 |
| Total domestic deposits to total assets | 68.6160% | 4,979 |
| Equity capital to assets | 8.7087% | 4,821 |
| Core capital (leverage) ratio | 7.7090% | 5,083 |
| Tier 1 risk-based capital ratio | 11.0378% | 4,842 |
| Total risk-based capital ratio | 11.7291% | 4,952 |
| Memoranda: | ||
| Average total assets | $20,643,667,200 | 82 |
| Average earning assets | $18,353,973,800 | 82 |
| Average equity | $1,934,154,600 | 108 |
| Average total loans | $15,722,127,600 | 76 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 3,263 |
| Cost of funding earning assets | 1.1585% | 1,145 |
| Net interest margin | 3.2729% | 4,141 |
| Noninterest income to average assets | 2.9124% | 162 |
| Noninterest expense to average assets | 4.2752% | 375 |
| Loan and lease loss provision to assets | 0.1168% | 1,672 |
| Net operating income to assets | 1.1519% | 2,356 |
| Return on assets (ROA) | 1.1876% | 2,315 |
| Pretax return on assets | 1.4631% | 2,067 |
| Return on Equity (ROE) | 12.4213% | 1,474 |
| Retained earnings to average equity (ytd only) | 12.4213% | 336 |
| Net charge-offs to loans | 0.3170% | 546 |
| Credit loss provision to net charge-offs | 48.7316% | 2,800 |
| Earnings coverage of net charge-offs (x) | 6.4067% | 2,841 |
| Efficiency ratio | 72.2934% | 1,791 |
| Assets per employee ($millions) | 5.2719% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6340% | 4,759 |
| Loan loss allowance to noncurrent loans | 26.7451% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.9132% | 482 |
| Noncurrent loans to loans | 2.3704% | 514 |
| Net loans and leases to total assets | 78.4078% | 1,073 |
| Net loans and leases to deposits | 103.9662% | 418 |
| Net loans and leases to core deposits | 114.4655% | 733 |
| Total domestic deposits to total assets | 75.4167% | 4,707 |
| Equity capital to assets | 9.1507% | 4,699 |
| Core capital (leverage) ratio | 8.3531% | 5,007 |
| Tier 1 risk-based capital ratio | 11.3306% | 4,747 |
| Total risk-based capital ratio | 12.0632% | 4,886 |
| Memoranda: | ||
| Average total assets | $19,995,955,500 | 85 |
| Average earning assets | $17,708,677,750 | 85 |
| Average equity | $1,911,837,000 | 108 |
| Average total loans | $15,121,966,000 | 77 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 3,060 |
| Cost of funding earning assets | 1.1885% | 1,025 |
| Net interest margin | 3.2976% | 4,153 |
| Noninterest income to average assets | 2.7740% | 174 |
| Noninterest expense to average assets | 4.1827% | 423 |
| Loan and lease loss provision to assets | 0.1744% | 1,033 |
| Net operating income to assets | 1.0734% | 2,636 |
| Return on assets (ROA) | 1.1289% | 2,480 |
| Pretax return on assets | 1.3933% | 2,228 |
| Return on Equity (ROE) | 11.6181% | 1,731 |
| Retained earnings to average equity (ytd only) | 11.6181% | 452 |
| Net charge-offs to loans | 0.4907% | 319 |
| Credit loss provision to net charge-offs | 47.7666% | 2,485 |
| Earnings coverage of net charge-offs (x) | 4.1071% | 2,763 |
| Efficiency ratio | 72.2079% | 1,887 |
| Assets per employee ($millions) | 4.8587% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7093% | 4,692 |
| Loan loss allowance to noncurrent loans | 28.1038% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.9892% | 471 |
| Noncurrent loans to loans | 2.5240% | 470 |
| Net loans and leases to total assets | 76.4173% | 1,487 |
| Net loans and leases to deposits | 103.9154% | 424 |
| Net loans and leases to core deposits | 115.7701% | 692 |
| Total domestic deposits to total assets | 73.5380% | 4,865 |
| Equity capital to assets | 9.5568% | 4,350 |
| Core capital (leverage) ratio | 8.3222% | 5,050 |
| Tier 1 risk-based capital ratio | 11.2278% | 4,818 |
| Total risk-based capital ratio | 12.0044% | 4,930 |
| Memoranda: | ||
| Average total assets | $19,331,566,330 | 86 |
| Average earning assets | $17,047,168,000 | 88 |
| Average equity | $1,878,395,670 | 110 |
| Average total loans | $14,378,888,670 | 77 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3997% | 3,230 |
| Cost of funding earning assets | 1.1474% | 1,051 |
| Net interest margin | 3.2523% | 4,273 |
| Noninterest income to average assets | 2.2393% | 209 |
| Noninterest expense to average assets | 4.0083% | 529 |
| Loan and lease loss provision to assets | -0.0078% | 5,204 |
| Net operating income to assets | 0.8952% | 3,251 |
| Return on assets (ROA) | 0.8952% | 3,305 |
| Pretax return on assets | 1.1018% | 3,144 |
| Return on Equity (ROE) | 9.1333% | 2,750 |
| Retained earnings to average equity (ytd only) | 9.1333% | 1,272 |
| Net charge-offs to loans | 0.0307% | 1,839 |
| Credit loss provision to net charge-offs | -35.0331% | 3,463 |
| Earnings coverage of net charge-offs (x) | 48.8678% | 1,043 |
| Efficiency ratio | 77.0607% | 1,372 |
| Assets per employee ($millions) | 4.8495% | 2,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 4,207 |
| Loan loss allowance to noncurrent loans | 42.0942% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.5991% | 717 |
| Noncurrent loans to loans | 2.1127% | 688 |
| Net loans and leases to total assets | 73.0359% | 1,971 |
| Net loans and leases to deposits | 102.8859% | 456 |
| Net loans and leases to core deposits | 113.9507% | 747 |
| Total domestic deposits to total assets | 70.9873% | 5,080 |
| Equity capital to assets | 9.7305% | 4,061 |
| Core capital (leverage) ratio | 9.0380% | 4,629 |
| Tier 1 risk-based capital ratio | 12.4375% | 4,211 |
| Total risk-based capital ratio | 13.4225% | 4,248 |
| Memoranda: | ||
| Average total assets | $18,922,765,500 | 89 |
| Average earning assets | $16,657,078,500 | 89 |
| Average equity | $1,854,789,500 | 113 |
| Average total loans | $13,814,610,500 | 82 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 3,026 |
| Cost of funding earning assets | 0.9976% | 757 |
| Net interest margin | 3.3278% | 4,187 |
| Noninterest income to average assets | 2.3611% | 216 |
| Noninterest expense to average assets | 3.8997% | 600 |
| Loan and lease loss provision to assets | -0.0443% | 5,186 |
| Net operating income to assets | 1.1749% | 2,289 |
| Return on assets (ROA) | 1.1797% | 2,265 |
| Pretax return on assets | 1.4768% | 1,856 |
| Return on Equity (ROE) | 12.2530% | 1,627 |
| Retained earnings to average equity (ytd only) | 10.2615% | 581 |
| Net charge-offs to loans | 0.0272% | 2,865 |
| Credit loss provision to net charge-offs | -219.8784% | 4,492 |
| Earnings coverage of net charge-offs (x) | 70.7631% | 929 |
| Efficiency ratio | 72.7445% | 1,802 |
| Assets per employee ($millions) | 4.6894% | 2,895 |
| Cash dividends to net income (ytd only)* | 16.2532% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 3,902 |
| Loan loss allowance to noncurrent loans | 51.0725% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 874 |
| Noncurrent loans to loans | 1.8838% | 735 |
| Net loans and leases to total assets | 71.5898% | 2,329 |
| Net loans and leases to deposits | 102.8702% | 540 |
| Net loans and leases to core deposits | 115.3832% | 714 |
| Total domestic deposits to total assets | 69.5924% | 5,168 |
| Equity capital to assets | 9.8768% | 3,788 |
| Core capital (leverage) ratio | 8.6717% | 4,903 |
| Tier 1 risk-based capital ratio | 13.1196% | 3,778 |
| Total risk-based capital ratio | 14.2141% | 3,752 |
| Memoranda: | ||
| Average total assets | $17,941,306,200 | 90 |
| Average earning assets | $15,986,351,200 | 93 |
| Average equity | $1,727,325,600 | 107 |
| Average total loans | $13,279,063,000 | 84 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 3,152 |
| Cost of funding earning assets | 1.1387% | 343 |
| Net interest margin | 3.1110% | 4,685 |
| Noninterest income to average assets | 2.4739% | 209 |
| Noninterest expense to average assets | 3.8510% | 633 |
| Loan and lease loss provision to assets | -0.0238% | 5,248 |
| Net operating income to assets | 1.1407% | 2,487 |
| Return on assets (ROA) | 1.1470% | 2,458 |
| Pretax return on assets | 1.4371% | 2,098 |
| Return on Equity (ROE) | 11.9943% | 1,794 |
| Retained earnings to average equity (ytd only) | 9.3014% | 1,119 |
| Net charge-offs to loans | 0.0283% | 2,529 |
| Credit loss provision to net charge-offs | -112.9925% | 4,248 |
| Earnings coverage of net charge-offs (x) | 66.6393% | 987 |
| Efficiency ratio | 73.2640% | 1,689 |
| Assets per employee ($millions) | 5.3306% | 2,093 |
| Cash dividends to net income (ytd only)* | 22.4518% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 4,048 |
| Loan loss allowance to noncurrent loans | 65.2859% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 1,249 |
| Noncurrent loans to loans | 1.4550% | 1,127 |
| Net loans and leases to total assets | 74.9767% | 1,815 |
| Net loans and leases to deposits | 116.0062% | 147 |
| Net loans and leases to core deposits | 131.8808% | 297 |
| Total domestic deposits to total assets | 64.6316% | 5,342 |
| Equity capital to assets | 9.4861% | 4,091 |
| Core capital (leverage) ratio | 8.7710% | 4,905 |
| Tier 1 risk-based capital ratio | 13.6801% | 3,527 |
| Total risk-based capital ratio | 14.8371% | 3,485 |
| Memoranda: | ||
| Average total assets | $17,809,915,750 | 91 |
| Average earning assets | $15,929,323,750 | 93 |
| Average equity | $1,703,171,250 | 108 |
| Average total loans | $13,261,620,750 | 84 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 3,361 |
| Cost of funding earning assets | 1.0733% | 329 |
| Net interest margin | 3.0529% | 4,806 |
| Noninterest income to average assets | 2.5942% | 198 |
| Noninterest expense to average assets | 3.9348% | 585 |
| Loan and lease loss provision to assets | -0.0154% | 5,317 |
| Net operating income to assets | 1.1206% | 2,518 |
| Return on assets (ROA) | 1.1206% | 2,518 |
| Pretax return on assets | 1.4055% | 2,124 |
| Return on Equity (ROE) | 11.6845% | 1,846 |
| Retained earnings to average equity (ytd only) | 7.5932% | 1,798 |
| Net charge-offs to loans | 0.0254% | 2,347 |
| Credit loss provision to net charge-offs | -82.0388% | 4,060 |
| Earnings coverage of net charge-offs (x) | 73.9527% | 871 |
| Efficiency ratio | 73.8943% | 1,722 |
| Assets per employee ($millions) | 4.9078% | 2,550 |
| Cash dividends to net income (ytd only)* | 35.0145% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,736 |
| Loan loss allowance to noncurrent loans | 70.9381% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.1066% | 1,337 |
| Noncurrent loans to loans | 1.4334% | 1,180 |
| Net loans and leases to total assets | 73.7988% | 1,977 |
| Net loans and leases to deposits | 122.1739% | 88 |
| Net loans and leases to core deposits | 137.2817% | 222 |
| Total domestic deposits to total assets | 60.4047% | 5,449 |
| Equity capital to assets | 9.5076% | 4,093 |
| Core capital (leverage) ratio | 9.0381% | 4,661 |
| Tier 1 risk-based capital ratio | 13.4364% | 3,651 |
| Total risk-based capital ratio | 14.6164% | 3,617 |
| Memoranda: | ||
| Average total assets | $17,534,649,670 | 92 |
| Average earning assets | $15,683,426,330 | 93 |
| Average equity | $1,681,630,000 | 107 |
| Average total loans | $12,980,015,670 | 85 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 3,545 |
| Cost of funding earning assets | 1.0082% | 360 |
| Net interest margin | 3.0080% | 4,869 |
| Noninterest income to average assets | 2.4710% | 200 |
| Noninterest expense to average assets | 3.9475% | 560 |
| Loan and lease loss provision to assets | 0.0042% | 3,455 |
| Net operating income to assets | 0.9700% | 2,984 |
| Return on assets (ROA) | 0.9700% | 3,013 |
| Pretax return on assets | 1.2086% | 2,716 |
| Return on Equity (ROE) | 10.0688% | 2,390 |
| Retained earnings to average equity (ytd only) | 1.7966% | 4,415 |
| Net charge-offs to loans | 0.0371% | 1,780 |
| Credit loss provision to net charge-offs | 15.3976% | 2,151 |
| Earnings coverage of net charge-offs (x) | 44.2919% | 1,006 |
| Efficiency ratio | 76.4975% | 1,522 |
| Assets per employee ($millions) | 4.8313% | 2,700 |
| Cash dividends to net income (ytd only)* | 82.1571% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 3,625 |
| Loan loss allowance to noncurrent loans | 67.1494% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 1,268 |
| Noncurrent loans to loans | 1.5727% | 1,109 |
| Net loans and leases to total assets | 73.6713% | 1,916 |
| Net loans and leases to deposits | 126.6383% | 56 |
| Net loans and leases to core deposits | 143.0629% | 183 |
| Total domestic deposits to total assets | 58.1746% | 5,529 |
| Equity capital to assets | 9.4111% | 4,170 |
| Core capital (leverage) ratio | 9.0804% | 4,588 |
| Tier 1 risk-based capital ratio | 13.4251% | 3,707 |
| Total risk-based capital ratio | 14.6653% | 3,619 |
| Memoranda: | ||
| Average total assets | $17,266,690,500 | 93 |
| Average earning assets | $15,437,316,000 | 93 |
| Average equity | $1,663,402,500 | 108 |
| Average total loans | $12,733,594,500 | 86 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7911% | 4,078 |
| Cost of funding earning assets | 0.8035% | 609 |
| Net interest margin | 2.9876% | 4,912 |
| Noninterest income to average assets | 2.8916% | 186 |
| Noninterest expense to average assets | 3.9717% | 556 |
| Loan and lease loss provision to assets | 0.0367% | 3,534 |
| Net operating income to assets | 0.7309% | 3,469 |
| Return on assets (ROA) | 0.7450% | 3,449 |
| Pretax return on assets | 1.5520% | 1,447 |
| Return on Equity (ROE) | 6.9286% | 3,317 |
| Retained earnings to average equity (ytd only) | -2.3216% | 5,307 |
| Net charge-offs to loans | 0.0687% | 2,472 |
| Credit loss provision to net charge-offs | 74.3294% | 3,026 |
| Earnings coverage of net charge-offs (x) | 31.7044% | 1,489 |
| Efficiency ratio | 71.7112% | 2,271 |
| Assets per employee ($millions) | 4.7818% | 2,755 |
| Cash dividends to net income (ytd only)* | 133.5082% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 3,130 |
| Loan loss allowance to noncurrent loans | 69.8603% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.2378% | 1,180 |
| Noncurrent loans to loans | 1.6286% | 1,018 |
| Net loans and leases to total assets | 72.1703% | 2,205 |
| Net loans and leases to deposits | 131.9289% | 40 |
| Net loans and leases to core deposits | 145.9458% | 152 |
| Total domestic deposits to total assets | 54.7039% | 5,609 |
| Equity capital to assets | 9.8670% | 3,854 |
| Core capital (leverage) ratio | 9.0397% | 4,598 |
| Tier 1 risk-based capital ratio | 14.4561% | 3,112 |
| Total risk-based capital ratio | 15.7192% | 3,025 |
| Memoranda: | ||
| Average total assets | $15,765,382,400 | 95 |
| Average earning assets | $13,967,544,000 | 94 |
| Average equity | $1,695,089,200 | 105 |
| Average total loans | $11,338,124,400 | 88 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7073% | 4,305 |
| Cost of funding earning assets | 0.7554% | 737 |
| Net interest margin | 2.9519% | 5,016 |
| Noninterest income to average assets | 2.8750% | 193 |
| Noninterest expense to average assets | 3.8846% | 608 |
| Loan and lease loss provision to assets | 0.0324% | 3,474 |
| Net operating income to assets | 1.0569% | 2,302 |
| Return on assets (ROA) | 1.0766% | 2,246 |
| Pretax return on assets | 1.5977% | 1,435 |
| Return on Equity (ROE) | 9.7938% | 2,209 |
| Retained earnings to average equity (ytd only) | -2.4817% | 5,453 |
| Net charge-offs to loans | 0.0693% | 2,134 |
| Credit loss provision to net charge-offs | 65.3079% | 2,744 |
| Earnings coverage of net charge-offs (x) | 32.2623% | 1,488 |
| Efficiency ratio | 70.8192% | 2,396 |
| Assets per employee ($millions) | 4.8065% | 2,689 |
| Cash dividends to net income (ytd only)* | 125.3397% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,316 |
| Loan loss allowance to noncurrent loans | 71.2178% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.2260% | 1,333 |
| Noncurrent loans to loans | 1.5859% | 1,169 |
| Net loans and leases to total assets | 72.9531% | 2,109 |
| Net loans and leases to deposits | 129.5204% | 44 |
| Net loans and leases to core deposits | 142.0398% | 181 |
| Total domestic deposits to total assets | 56.3255% | 5,670 |
| Equity capital to assets | 10.0153% | 3,896 |
| Core capital (leverage) ratio | 9.3834% | 4,310 |
| Tier 1 risk-based capital ratio | 14.6138% | 3,123 |
| Total risk-based capital ratio | 15.8766% | 3,034 |
| Memoranda: | ||
| Average total assets | $15,492,804,750 | 93 |
| Average earning assets | $13,699,505,000 | 94 |
| Average equity | $1,703,074,500 | 105 |
| Average total loans | $11,096,455,750 | 87 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 4,442 |
| Cost of funding earning assets | 0.7087% | 854 |
| Net interest margin | 2.9165% | 5,068 |
| Noninterest income to average assets | 2.7876% | 199 |
| Noninterest expense to average assets | 3.7885% | 681 |
| Loan and lease loss provision to assets | 0.0312% | 3,377 |
| Net operating income to assets | 1.0338% | 2,281 |
| Return on assets (ROA) | 1.0448% | 2,270 |
| Pretax return on assets | 1.5528% | 1,486 |
| Return on Equity (ROE) | 9.2006% | 2,412 |
| Retained earnings to average equity (ytd only) | 0.7325% | 4,912 |
| Net charge-offs to loans | 0.0816% | 1,799 |
| Credit loss provision to net charge-offs | 54.0124% | 2,515 |
| Earnings coverage of net charge-offs (x) | 27.1373% | 1,548 |
| Efficiency ratio | 70.7327% | 2,544 |
| Assets per employee ($millions) | 4.6301% | 2,892 |
| Cash dividends to net income (ytd only)* | 92.0382% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,947 |
| Loan loss allowance to noncurrent loans | 63.9830% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.4345% | 1,091 |
| Noncurrent loans to loans | 1.8927% | 922 |
| Net loans and leases to total assets | 71.8698% | 2,222 |
| Net loans and leases to deposits | 126.5598% | 57 |
| Net loans and leases to core deposits | 137.0876% | 218 |
| Total domestic deposits to total assets | 56.7872% | 5,719 |
| Equity capital to assets | 10.8138% | 3,018 |
| Core capital (leverage) ratio | 10.2581% | 3,190 |
| Tier 1 risk-based capital ratio | 16.4901% | 2,328 |
| Total risk-based capital ratio | 17.7494% | 2,272 |
| Memoranda: | ||
| Average total assets | $15,057,497,330 | 93 |
| Average earning assets | $13,261,050,000 | 95 |
| Average equity | $1,709,954,000 | 102 |
| Average total loans | $10,663,545,670 | 90 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4402% | 4,855 |
| Cost of funding earning assets | 0.6519% | 1,069 |
| Net interest margin | 2.7883% | 5,264 |
| Noninterest income to average assets | 2.6503% | 220 |
| Noninterest expense to average assets | 3.7024% | 777 |
| Loan and lease loss provision to assets | 0.0760% | 2,289 |
| Net operating income to assets | 0.8738% | 2,892 |
| Return on assets (ROA) | 0.8738% | 2,944 |
| Pretax return on assets | 1.3125% | 2,193 |
| Return on Equity (ROE) | 7.5003% | 3,167 |
| Retained earnings to average equity (ytd only) | -3.8496% | 5,321 |
| Net charge-offs to loans | 0.1481% | 1,070 |
| Credit loss provision to net charge-offs | 73.5590% | 1,801 |
| Earnings coverage of net charge-offs (x) | 13.4384% | 1,783 |
| Efficiency ratio | 72.7254% | 2,451 |
| Assets per employee ($millions) | 5.1905% | 2,198 |
| Cash dividends to net income (ytd only)* | 151.3257% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 2,520 |
| Loan loss allowance to noncurrent loans | 54.8625% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.7675% | 820 |
| Noncurrent loans to loans | 2.3746% | 684 |
| Net loans and leases to total assets | 69.8113% | 2,418 |
| Net loans and leases to deposits | 119.8039% | 90 |
| Net loans and leases to core deposits | 129.6798% | 265 |
| Total domestic deposits to total assets | 58.2713% | 5,782 |
| Equity capital to assets | 11.1073% | 2,527 |
| Core capital (leverage) ratio | 10.7396% | 2,651 |
| Tier 1 risk-based capital ratio | 16.9276% | 2,203 |
| Total risk-based capital ratio | 18.2015% | 2,151 |
| Memoranda: | ||
| Average total assets | $14,640,994,500 | 96 |
| Average earning assets | $12,815,659,000 | 99 |
| Average equity | $1,705,747,000 | 100 |
| Average total loans | $10,215,084,500 | 95 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4839% | 4,822 |
| Cost of funding earning assets | 0.6610% | 999 |
| Net interest margin | 2.8230% | 5,258 |
| Noninterest income to average assets | 3.4055% | 170 |
| Noninterest expense to average assets | 3.8884% | 702 |
| Loan and lease loss provision to assets | -0.0596% | 5,612 |
| Net operating income to assets | 1.3426% | 1,112 |
| Return on assets (ROA) | 1.3627% | 1,121 |
| Pretax return on assets | 2.0495% | 449 |
| Return on Equity (ROE) | 10.8997% | 1,612 |
| Retained earnings to average equity (ytd only) | -0.6662% | 5,405 |
| Net charge-offs to loans | 0.3898% | 684 |
| Credit loss provision to net charge-offs | -22.4223% | 4,773 |
| Earnings coverage of net charge-offs (x) | 7.3737% | 3,029 |
| Efficiency ratio | 66.4918% | 3,512 |
| Assets per employee ($millions) | 4.8442% | 2,584 |
| Cash dividends to net income (ytd only)* | 106.1121% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4781% | 1,763 |
| Loan loss allowance to noncurrent loans | 47.5099% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.2394% | 571 |
| Noncurrent loans to loans | 3.1111% | 426 |
| Net loans and leases to total assets | 67.7015% | 2,824 |
| Net loans and leases to deposits | 106.0363% | 341 |
| Net loans and leases to core deposits | 114.7092% | 668 |
| Total domestic deposits to total assets | 63.8474% | 5,793 |
| Equity capital to assets | 12.2450% | 1,658 |
| Core capital (leverage) ratio | 10.5192% | 2,859 |
| Tier 1 risk-based capital ratio | 17.8995% | 1,879 |
| Total risk-based capital ratio | 19.1784% | 1,829 |
| Memoranda: | ||
| Average total assets | $13,831,847,600 | 97 |
| Average earning assets | $11,967,316,800 | 99 |
| Average equity | $1,729,228,200 | 95 |
| Average total loans | $9,429,479,800 | 96 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4173% | 4,990 |
| Cost of funding earning assets | 0.6735% | 931 |
| Net interest margin | 2.7438% | 5,440 |
| Noninterest income to average assets | 3.6338% | 167 |
| Noninterest expense to average assets | 3.8801% | 692 |
| Loan and lease loss provision to assets | -0.0886% | 5,775 |
| Net operating income to assets | 1.4747% | 923 |
| Return on assets (ROA) | 1.5018% | 930 |
| Pretax return on assets | 2.2559% | 337 |
| Return on Equity (ROE) | 11.9508% | 1,341 |
| Retained earnings to average equity (ytd only) | -3.4315% | 5,674 |
| Net charge-offs to loans | 0.4949% | 430 |
| Credit loss provision to net charge-offs | -26.3025% | 4,646 |
| Earnings coverage of net charge-offs (x) | 6.3165% | 3,010 |
| Efficiency ratio | 64.5935% | 3,837 |
| Assets per employee ($millions) | 4.9296% | 2,454 |
| Cash dividends to net income (ytd only)* | 128.7134% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 2,123 |
| Loan loss allowance to noncurrent loans | 45.4381% | 4,852 |
| Noncurrent assets plus other real estate owned to assets | 2.3231% | 611 |
| Noncurrent loans to loans | 3.1201% | 466 |
| Net loans and leases to total assets | 70.0139% | 2,485 |
| Net loans and leases to deposits | 102.8499% | 513 |
| Net loans and leases to core deposits | 111.3123% | 848 |
| Total domestic deposits to total assets | 68.0738% | 5,767 |
| Equity capital to assets | 11.7117% | 2,337 |
| Core capital (leverage) ratio | 10.5546% | 2,932 |
| Tier 1 risk-based capital ratio | 16.5919% | 2,381 |
| Total risk-based capital ratio | 17.8675% | 2,318 |
| Memoranda: | ||
| Average total assets | $13,794,685,500 | 96 |
| Average earning assets | $11,931,157,250 | 98 |
| Average equity | $1,733,557,500 | 94 |
| Average total loans | $9,385,100,000 | 96 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3886% | 5,107 |
| Cost of funding earning assets | 0.6778% | 909 |
| Net interest margin | 2.7108% | 5,556 |
| Noninterest income to average assets | 3.3164% | 177 |
| Noninterest expense to average assets | 3.9112% | 668 |
| Loan and lease loss provision to assets | -0.2415% | 5,953 |
| Net operating income to assets | 1.3292% | 1,207 |
| Return on assets (ROA) | 1.3397% | 1,261 |
| Pretax return on assets | 2.0052% | 561 |
| Return on Equity (ROE) | 10.4148% | 1,880 |
| Retained earnings to average equity (ytd only) | 10.4148% | 523 |
| Net charge-offs to loans | 0.4481% | 506 |
| Credit loss provision to net charge-offs | -80.4526% | 4,583 |
| Earnings coverage of net charge-offs (x) | 5.8222% | 2,813 |
| Efficiency ratio | 69.1118% | 3,130 |
| Assets per employee ($millions) | 4.7191% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 1,513 |
| Loan loss allowance to noncurrent loans | 43.1434% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.6877% | 486 |
| Noncurrent loans to loans | 3.7191% | 345 |
| Net loans and leases to total assets | 67.3535% | 2,890 |
| Net loans and leases to deposits | 104.8524% | 420 |
| Net loans and leases to core deposits | 114.3151% | 709 |
| Total domestic deposits to total assets | 64.2365% | 5,926 |
| Equity capital to assets | 13.1425% | 1,419 |
| Core capital (leverage) ratio | 12.0281% | 1,609 |
| Tier 1 risk-based capital ratio | 19.5819% | 1,542 |
| Total risk-based capital ratio | 20.8628% | 1,501 |
| Memoranda: | ||
| Average total assets | $13,658,845,000 | 97 |
| Average earning assets | $11,804,260,330 | 99 |
| Average equity | $1,756,969,000 | 90 |
| Average total loans | $9,151,296,000 | 96 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4014% | 5,125 |
| Cost of funding earning assets | 0.6693% | 951 |
| Net interest margin | 2.7321% | 5,569 |
| Noninterest income to average assets | 3.0432% | 200 |
| Noninterest expense to average assets | 3.9706% | 626 |
| Loan and lease loss provision to assets | -0.3809% | 6,065 |
| Net operating income to assets | 1.2039% | 1,543 |
| Return on assets (ROA) | 1.2039% | 1,648 |
| Pretax return on assets | 1.8275% | 811 |
| Return on Equity (ROE) | 9.4620% | 2,210 |
| Retained earnings to average equity (ytd only) | 9.4620% | 986 |
| Net charge-offs to loans | 0.5298% | 409 |
| Credit loss provision to net charge-offs | -108.4897% | 4,247 |
| Earnings coverage of net charge-offs (x) | 4.1197% | 2,465 |
| Efficiency ratio | 73.2970% | 2,590 |
| Assets per employee ($millions) | 4.9333% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8637% | 1,024 |
| Loan loss allowance to noncurrent loans | 42.5477% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 2.8903% | 450 |
| Noncurrent loans to loans | 4.3803% | 253 |
| Net loans and leases to total assets | 62.4017% | 3,469 |
| Net loans and leases to deposits | 98.4521% | 725 |
| Net loans and leases to core deposits | 107.6789% | 983 |
| Total domestic deposits to total assets | 63.3828% | 6,009 |
| Equity capital to assets | 12.8278% | 1,492 |
| Core capital (leverage) ratio | 11.4333% | 2,019 |
| Tier 1 risk-based capital ratio | 20.3377% | 1,434 |
| Total risk-based capital ratio | 21.6251% | 1,403 |
| Memoranda: | ||
| Average total assets | $13,659,762,500 | 98 |
| Average earning assets | $11,869,206,000 | 100 |
| Average equity | $1,738,017,500 | 91 |
| Average total loans | $9,052,707,000 | 97 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5056% | 4,905 |
| Cost of funding earning assets | 0.6009% | 1,351 |
| Net interest margin | 2.9047% | 5,332 |
| Noninterest income to average assets | 3.7577% | 168 |
| Noninterest expense to average assets | 4.2363% | 523 |
| Loan and lease loss provision to assets | -0.1607% | 5,932 |
| Net operating income to assets | 1.4325% | 978 |
| Return on assets (ROA) | 1.4470% | 984 |
| Pretax return on assets | 2.1848% | 354 |
| Return on Equity (ROE) | 10.4781% | 1,814 |
| Retained earnings to average equity (ytd only) | 10.4781% | 399 |
| Net charge-offs to loans | 1.1450% | 155 |
| Credit loss provision to net charge-offs | -21.0307% | 4,991 |
| Earnings coverage of net charge-offs (x) | 2.6201% | 3,863 |
| Efficiency ratio | 67.9060% | 3,584 |
| Assets per employee ($millions) | 5.0311% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 826 |
| Loan loss allowance to noncurrent loans | 43.7431% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 3.2594% | 389 |
| Noncurrent loans to loans | 4.5415% | 232 |
| Net loans and leases to total assets | 67.5929% | 2,772 |
| Net loans and leases to deposits | 113.9318% | 167 |
| Net loans and leases to core deposits | 124.7482% | 358 |
| Total domestic deposits to total assets | 59.3275% | 6,096 |
| Equity capital to assets | 12.6193% | 1,550 |
| Core capital (leverage) ratio | 11.7859% | 1,767 |
| Tier 1 risk-based capital ratio | 19.4170% | 1,609 |
| Total risk-based capital ratio | 20.7103% | 1,560 |
| Memoranda: | ||
| Average total assets | $11,893,551,600 | 103 |
| Average earning assets | $10,157,580,600 | 103 |
| Average equity | $1,642,446,400 | 91 |
| Average total loans | $7,937,486,400 | 101 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5835% | 4,787 |
| Cost of funding earning assets | 0.6026% | 1,390 |
| Net interest margin | 2.9809% | 5,242 |
| Noninterest income to average assets | 4.1813% | 150 |
| Noninterest expense to average assets | 4.4669% | 418 |
| Loan and lease loss provision to assets | -0.2051% | 6,102 |
| Net operating income to assets | 1.5602% | 831 |
| Return on assets (ROA) | 1.5602% | 877 |
| Pretax return on assets | 2.4457% | 259 |
| Return on Equity (ROE) | 11.0150% | 1,703 |
| Retained earnings to average equity (ytd only) | 11.0150% | 475 |
| Net charge-offs to loans | 1.4512% | 104 |
| Credit loss provision to net charge-offs | -21.3902% | 4,894 |
| Earnings coverage of net charge-offs (x) | 2.3367% | 3,684 |
| Efficiency ratio | 66.5954% | 3,784 |
| Assets per employee ($millions) | 4.6523% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3367% | 544 |
| Loan loss allowance to noncurrent loans | 44.8183% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 3.6650% | 339 |
| Noncurrent loans to loans | 5.2138% | 190 |
| Net loans and leases to total assets | 66.1118% | 2,991 |
| Net loans and leases to deposits | 98.4511% | 781 |
| Net loans and leases to core deposits | 106.9392% | 1,040 |
| Total domestic deposits to total assets | 67.1520% | 6,066 |
| Equity capital to assets | 13.6018% | 1,179 |
| Core capital (leverage) ratio | 11.9096% | 1,735 |
| Tier 1 risk-based capital ratio | 20.7453% | 1,393 |
| Total risk-based capital ratio | 22.0477% | 1,355 |
| Memoranda: | ||
| Average total assets | $11,454,568,000 | 107 |
| Average earning assets | $9,707,454,500 | 107 |
| Average equity | $1,622,440,250 | 93 |
| Average total loans | $7,568,587,750 | 107 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 4,702 |
| Cost of funding earning assets | 0.5859% | 1,520 |
| Net interest margin | 3.0201% | 5,177 |
| Noninterest income to average assets | 4.2350% | 154 |
| Noninterest expense to average assets | 4.6701% | 374 |
| Loan and lease loss provision to assets | -0.3022% | 6,227 |
| Net operating income to assets | 1.5087% | 883 |
| Return on assets (ROA) | 1.5087% | 924 |
| Pretax return on assets | 2.4100% | 278 |
| Return on Equity (ROE) | 10.4960% | 1,853 |
| Retained earnings to average equity (ytd only) | 10.4960% | 582 |
| Net charge-offs to loans | 1.5985% | 105 |
| Credit loss provision to net charge-offs | -28.8748% | 4,757 |
| Earnings coverage of net charge-offs (x) | 2.0140% | 3,419 |
| Efficiency ratio | 68.9018% | 3,511 |
| Assets per employee ($millions) | 4.4510% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7872% | 339 |
| Loan loss allowance to noncurrent loans | 42.3950% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 4.4842% | 263 |
| Noncurrent loans to loans | 6.5744% | 130 |
| Net loans and leases to total assets | 64.1200% | 3,252 |
| Net loans and leases to deposits | 98.1963% | 776 |
| Net loans and leases to core deposits | 105.9506% | 1,071 |
| Total domestic deposits to total assets | 65.2978% | 6,184 |
| Equity capital to assets | 13.5679% | 1,145 |
| Core capital (leverage) ratio | 11.7021% | 1,838 |
| Tier 1 risk-based capital ratio | 20.3489% | 1,476 |
| Total risk-based capital ratio | 21.6643% | 1,441 |
| Memoranda: | ||
| Average total assets | $11,121,384,670 | 109 |
| Average earning assets | $9,364,149,330 | 111 |
| Average equity | $1,598,591,330 | 95 |
| Average total loans | $7,281,235,670 | 109 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5904% | 4,719 |
| Cost of funding earning assets | 0.5728% | 1,635 |
| Net interest margin | 3.0176% | 5,163 |
| Noninterest income to average assets | 4.2686% | 152 |
| Noninterest expense to average assets | 4.8939% | 318 |
| Loan and lease loss provision to assets | -0.1299% | 6,225 |
| Net operating income to assets | 1.2398% | 1,432 |
| Return on assets (ROA) | 1.2398% | 1,517 |
| Pretax return on assets | 2.0255% | 557 |
| Return on Equity (ROE) | 8.3591% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.3591% | 1,431 |
| Net charge-offs to loans | 2.3369% | 68 |
| Credit loss provision to net charge-offs | -8.5294% | 4,302 |
| Earnings coverage of net charge-offs (x) | 1.2442% | 2,947 |
| Efficiency ratio | 72.0803% | 3,159 |
| Assets per employee ($millions) | 4.2944% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4043% | 199 |
| Loan loss allowance to noncurrent loans | 39.9068% | 5,302 |
| Noncurrent assets plus other real estate owned to assets | 5.6517% | 196 |
| Noncurrent loans to loans | 8.5306% | 87 |
| Net loans and leases to total assets | 62.3757% | 3,309 |
| Net loans and leases to deposits | 90.8434% | 1,309 |
| Net loans and leases to core deposits | 98.6831% | 1,411 |
| Total domestic deposits to total assets | 68.6629% | 6,180 |
| Equity capital to assets | 13.9252% | 1,009 |
| Core capital (leverage) ratio | 12.2103% | 1,503 |
| Tier 1 risk-based capital ratio | 21.5765% | 1,308 |
| Total risk-based capital ratio | 22.9075% | 1,266 |
| Memoranda: | ||
| Average total assets | $10,644,242,500 | 110 |
| Average earning assets | $8,891,914,500 | 114 |
| Average equity | $1,578,679,500 | 95 |
| Average total loans | $6,939,391,000 | 114 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8013% | 4,490 |
| Cost of funding earning assets | 0.4186% | 3,494 |
| Net interest margin | 3.3827% | 4,265 |
| Noninterest income to average assets | 3.6522% | 157 |
| Noninterest expense to average assets | 6.0097% | 180 |
| Loan and lease loss provision to assets | 1.3672% | 67 |
| Net operating income to assets | -0.6841% | 6,335 |
| Return on assets (ROA) | -0.6552% | 6,325 |
| Pretax return on assets | -0.9484% | 6,361 |
| Return on Equity (ROE) | -4.0492% | 6,269 |
| Retained earnings to average equity (ytd only) | -4.0492% | 6,141 |
| Net charge-offs to loans | 0.6376% | 612 |
| Credit loss provision to net charge-offs | 316.5909% | 824 |
| Earnings coverage of net charge-offs (x) | 0.8727% | 4,545 |
| Efficiency ratio | 94.0991% | 595 |
| Assets per employee ($millions) | 3.5704% | 4,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6068% | 88 |
| Loan loss allowance to noncurrent loans | 38.5842% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 11.3334% | 66 |
| Noncurrent loans to loans | 11.9397% | 46 |
| Net loans and leases to total assets | 62.8864% | 3,382 |
| Net loans and leases to deposits | 84.1263% | 2,199 |
| Net loans and leases to core deposits | 92.3746% | 2,050 |
| Total domestic deposits to total assets | 74.7524% | 5,879 |
| Equity capital to assets | 15.8977% | 552 |
| Core capital (leverage) ratio | 12.4297% | 1,385 |
| Tier 1 risk-based capital ratio | 22.5424% | 1,143 |
| Total risk-based capital ratio | 23.8465% | 1,124 |
| Memoranda: | ||
| Average total assets | $9,621,917,800 | 114 |
| Average earning assets | $7,777,825,000 | 120 |
| Average equity | $1,556,782,800 | 96 |
| Average total loans | $6,517,255,600 | 113 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8178% | 4,481 |
| Cost of funding earning assets | 0.4046% | 3,741 |
| Net interest margin | 3.4132% | 4,180 |
| Noninterest income to average assets | 3.7068% | 158 |
| Noninterest expense to average assets | 6.2461% | 166 |
| Loan and lease loss provision to assets | 1.7610% | 42 |
| Net operating income to assets | -1.0718% | 6,471 |
| Return on assets (ROA) | -1.0425% | 6,468 |
| Pretax return on assets | -1.5082% | 6,487 |
| Return on Equity (ROE) | -6.4146% | 6,397 |
| Retained earnings to average equity (ytd only) | -6.4146% | 6,309 |
| Net charge-offs to loans | 0.6645% | 534 |
| Credit loss provision to net charge-offs | 388.6357% | 728 |
| Earnings coverage of net charge-offs (x) | 0.4642% | 4,382 |
| Efficiency ratio | 96.7424% | 478 |
| Assets per employee ($millions) | 3.5085% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6459% | 97 |
| Loan loss allowance to noncurrent loans | 36.7960% | 5,539 |
| Noncurrent assets plus other real estate owned to assets | 11.9988% | 64 |
| Noncurrent loans to loans | 12.6262% | 48 |
| Net loans and leases to total assets | 64.6163% | 3,088 |
| Net loans and leases to deposits | 82.8011% | 2,321 |
| Net loans and leases to core deposits | 90.4795% | 2,175 |
| Total domestic deposits to total assets | 78.0379% | 5,525 |
| Equity capital to assets | 16.0324% | 563 |
| Core capital (leverage) ratio | 12.3814% | 1,473 |
| Tier 1 risk-based capital ratio | 22.8358% | 1,143 |
| Total risk-based capital ratio | 24.1439% | 1,110 |
| Memoranda: | ||
| Average total assets | $9,582,532,000 | 115 |
| Average earning assets | $7,719,468,250 | 119 |
| Average equity | $1,557,302,250 | 97 |
| Average total loans | $6,534,831,500 | 113 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 4,820 |
| Cost of funding earning assets | 0.3706% | 4,203 |
| Net interest margin | 3.3405% | 4,439 |
| Noninterest income to average assets | 3.5999% | 156 |
| Noninterest expense to average assets | 5.3818% | 247 |
| Loan and lease loss provision to assets | 2.4707% | 28 |
| Net operating income to assets | -1.0420% | 6,532 |
| Return on assets (ROA) | -1.0326% | 6,531 |
| Pretax return on assets | -1.5378% | 6,562 |
| Return on Equity (ROE) | -6.3253% | 6,465 |
| Retained earnings to average equity (ytd only) | -6.3253% | 6,311 |
| Net charge-offs to loans | 0.5942% | 677 |
| Credit loss provision to net charge-offs | 608.4746% | 492 |
| Earnings coverage of net charge-offs (x) | 2.2630% | 3,586 |
| Efficiency ratio | 85.4159% | 1,330 |
| Assets per employee ($millions) | 3.6007% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6694% | 101 |
| Loan loss allowance to noncurrent loans | 34.7324% | 5,651 |
| Noncurrent assets plus other real estate owned to assets | 12.0865% | 66 |
| Noncurrent loans to loans | 13.4439% | 41 |
| Net loans and leases to total assets | 63.2997% | 3,197 |
| Net loans and leases to deposits | 91.1197% | 1,260 |
| Net loans and leases to core deposits | 100.0415% | 1,279 |
| Total domestic deposits to total assets | 69.4688% | 6,373 |
| Equity capital to assets | 15.8552% | 573 |
| Core capital (leverage) ratio | 12.5236% | 1,380 |
| Tier 1 risk-based capital ratio | 23.7460% | 1,016 |
| Total risk-based capital ratio | 25.0543% | 990 |
| Memoranda: | ||
| Average total assets | $9,589,801,330 | 113 |
| Average earning assets | $7,753,177,000 | 119 |
| Average equity | $1,565,466,330 | 96 |
| Average total loans | $6,553,514,330 | 113 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6507% | 5,002 |
| Cost of funding earning assets | 0.3421% | 4,624 |
| Net interest margin | 3.3086% | 4,497 |
| Noninterest income to average assets | 2.9674% | 191 |
| Noninterest expense to average assets | 5.7277% | 215 |
| Loan and lease loss provision to assets | 4.7543% | 10 |
| Net operating income to assets | -3.2438% | 6,696 |
| Return on assets (ROA) | -3.2375% | 6,695 |
| Pretax return on assets | -4.8339% | 6,707 |
| Return on Equity (ROE) | -19.5393% | 6,626 |
| Retained earnings to average equity (ytd only) | -19.5393% | 6,525 |
| Net charge-offs to loans | 0.7520% | 464 |
| Credit loss provision to net charge-offs | 911.6224% | 336 |
| Earnings coverage of net charge-offs (x) | -0.1708% | 3,446 |
| Efficiency ratio | 101.5794% | 435 |
| Assets per employee ($millions) | 3.4182% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6426% | 118 |
| Loan loss allowance to noncurrent loans | 32.8169% | 5,779 |
| Noncurrent assets plus other real estate owned to assets | 12.8296% | 65 |
| Noncurrent loans to loans | 14.1469% | 45 |
| Net loans and leases to total assets | 66.0251% | 2,558 |
| Net loans and leases to deposits | 96.7484% | 606 |
| Net loans and leases to core deposits | 106.4694% | 739 |
| Total domestic deposits to total assets | 68.2442% | 6,509 |
| Equity capital to assets | 16.0135% | 527 |
| Core capital (leverage) ratio | 12.4421% | 1,409 |
| Tier 1 risk-based capital ratio | 23.6180% | 1,058 |
| Total risk-based capital ratio | 24.9294% | 1,030 |
| Memoranda: | ||
| Average total assets | $9,449,994,500 | 115 |
| Average earning assets | $7,629,453,500 | 122 |
| Average equity | $1,565,789,500 | 92 |
| Average total loans | $6,553,614,000 | 114 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4013% | 5,836 |
| Cost of funding earning assets | 1.3727% | 79 |
| Net interest margin | 2.0286% | 6,642 |
| Noninterest income to average assets | 5.7262% | 116 |
| Noninterest expense to average assets | 7.8572% | 122 |
| Loan and lease loss provision to assets | 0.5748% | 447 |
| Net operating income to assets | 1.9902% | 345 |
| Return on assets (ROA) | 1.9495% | 369 |
| Pretax return on assets | -1.1048% | 6,612 |
| Return on Equity (ROE) | 16.2723% | 590 |
| Retained earnings to average equity (ytd only) | 16.2723% | 144 |
| Net charge-offs to loans | 2.0819% | 172 |
| Credit loss provision to net charge-offs | 41.7159% | 4,004 |
| Earnings coverage of net charge-offs (x) | -0.3385% | 5,171 |
| Efficiency ratio | 106.3102% | 333 |
| Assets per employee ($millions) | 2.8741% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1873% | 376 |
| Loan loss allowance to noncurrent loans | 20.0391% | 6,176 |
| Noncurrent assets plus other real estate owned to assets | 13.7375% | 57 |
| Noncurrent loans to loans | 15.9054% | 34 |
| Net loans and leases to total assets | 67.2496% | 2,479 |
| Net loans and leases to deposits | 99.4363% | 508 |
| Net loans and leases to core deposits | 110.0222% | 607 |
| Total domestic deposits to total assets | 67.6309% | 6,596 |
| Equity capital to assets | 17.1368% | 385 |
| Core capital (leverage) ratio | 13.9658% | 829 |
| Tier 1 risk-based capital ratio | 26.8230% | 696 |
| Total risk-based capital ratio | 28.1103% | 676 |
| Memoranda: | ||
| Average total assets | $12,202,350,600 | 100 |
| Average earning assets | $10,013,028,200 | 104 |
| Average equity | $1,461,866,800 | 99 |
| Average total loans | $8,076,314,600 | 93 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3437% | 5,986 |
| Cost of funding earning assets | 1.3613% | 89 |
| Net interest margin | 1.9824% | 6,729 |
| Noninterest income to average assets | 6.1449% | 109 |
| Noninterest expense to average assets | 5.9934% | 205 |
| Loan and lease loss provision to assets | 0.5784% | 429 |
| Net operating income to assets | 1.2646% | 1,444 |
| Return on assets (ROA) | 1.1739% | 1,796 |
| Pretax return on assets | 1.1131% | 3,058 |
| Return on Equity (ROE) | 10.6265% | 1,949 |
| Retained earnings to average equity (ytd only) | 10.6265% | 655 |
| Net charge-offs to loans | 2.4241% | 132 |
| Credit loss provision to net charge-offs | 36.3760% | 3,777 |
| Earnings coverage of net charge-offs (x) | 1.1209% | 4,468 |
| Efficiency ratio | 77.0788% | 2,550 |
| Assets per employee ($millions) | 3.4401% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0384% | 528 |
| Loan loss allowance to noncurrent loans | 21.9258% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 10.3988% | 124 |
| Noncurrent loans to loans | 13.8575% | 54 |
| Net loans and leases to total assets | 56.0163% | 4,321 |
| Net loans and leases to deposits | 96.5517% | 652 |
| Net loans and leases to core deposits | 106.8626% | 713 |
| Total domestic deposits to total assets | 58.0169% | 6,799 |
| Equity capital to assets | 12.6057% | 1,524 |
| Core capital (leverage) ratio | 11.9777% | 1,687 |
| Tier 1 risk-based capital ratio | 26.5698% | 735 |
| Total risk-based capital ratio | 27.8513% | 725 |
| Memoranda: | ||
| Average total assets | $12,915,562,000 | 97 |
| Average earning assets | $10,624,325,500 | 99 |
| Average equity | $1,426,781,250 | 100 |
| Average total loans | $8,471,766,000 | 90 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3776% | 5,952 |
| Cost of funding earning assets | 1.3521% | 109 |
| Net interest margin | 2.0255% | 6,753 |
| Noninterest income to average assets | 6.8640% | 105 |
| Noninterest expense to average assets | 6.2671% | 188 |
| Loan and lease loss provision to assets | 0.7822% | 278 |
| Net operating income to assets | 1.5750% | 776 |
| Return on assets (ROA) | 1.4428% | 1,077 |
| Pretax return on assets | 1.3509% | 2,117 |
| Return on Equity (ROE) | 13.6291% | 1,091 |
| Retained earnings to average equity (ytd only) | 13.6291% | 330 |
| Net charge-offs to loans | 2.5259% | 148 |
| Credit loss provision to net charge-offs | 45.6035% | 3,301 |
| Earnings coverage of net charge-offs (x) | 1.3207% | 4,102 |
| Efficiency ratio | 73.4502% | 3,235 |
| Assets per employee ($millions) | 3.3841% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0632% | 547 |
| Loan loss allowance to noncurrent loans | 20.6968% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 12.0907% | 97 |
| Noncurrent loans to loans | 14.8001% | 51 |
| Net loans and leases to total assets | 60.4529% | 3,584 |
| Net loans and leases to deposits | 100.1177% | 419 |
| Net loans and leases to core deposits | 116.5596% | 381 |
| Total domestic deposits to total assets | 60.3818% | 6,836 |
| Equity capital to assets | 11.5125% | 2,283 |
| Core capital (leverage) ratio | 10.9955% | 2,359 |
| Tier 1 risk-based capital ratio | 23.7251% | 1,026 |
| Total risk-based capital ratio | 25.0095% | 1,010 |
| Memoranda: | ||
| Average total assets | $13,289,827,000 | 90 |
| Average earning assets | $10,946,925,670 | 97 |
| Average equity | $1,406,856,330 | 101 |
| Average total loans | $9,024,731,330 | 84 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4929% | 5,721 |
| Cost of funding earning assets | 1.3485% | 128 |
| Net interest margin | 2.1444% | 6,790 |
| Noninterest income to average assets | 5.7512% | 124 |
| Noninterest expense to average assets | 6.1884% | 195 |
| Loan and lease loss provision to assets | 0.6016% | 421 |
| Net operating income to assets | 0.7268% | 3,557 |
| Return on assets (ROA) | 0.7268% | 3,693 |
| Pretax return on assets | 0.7268% | 4,456 |
| Return on Equity (ROE) | 7.1591% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.1591% | 2,084 |
| Net charge-offs to loans | 1.4802% | 371 |
| Credit loss provision to net charge-offs | 57.6451% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.2729% | 3,402 |
| Efficiency ratio | 82.3282% | 1,993 |
| Assets per employee ($millions) | 3.4621% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4035% | 460 |
| Loan loss allowance to noncurrent loans | 22.2332% | 6,290 |
| Noncurrent assets plus other real estate owned to assets | 13.7798% | 96 |
| Noncurrent loans to loans | 15.3081% | 71 |
| Net loans and leases to total assets | 62.9268% | 2,898 |
| Net loans and leases to deposits | 101.6968% | 290 |
| Net loans and leases to core deposits | 122.6881% | 248 |
| Total domestic deposits to total assets | 61.8769% | 6,900 |
| Equity capital to assets | 10.6335% | 3,398 |
| Core capital (leverage) ratio | 10.1384% | 3,233 |
| Tier 1 risk-based capital ratio | 21.2420% | 1,478 |
| Total risk-based capital ratio | 22.5329% | 1,450 |
| Memoranda: | ||
| Average total assets | $13,574,407,500 | 89 |
| Average earning assets | $11,176,125,000 | 98 |
| Average equity | $1,378,048,500 | 105 |
| Average total loans | $9,570,594,000 | 82 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1606% | 4,731 |
| Cost of funding earning assets | 1.4982% | 164 |
| Net interest margin | 2.6623% | 6,572 |
| Noninterest income to average assets | 9.0209% | 77 |
| Noninterest expense to average assets | 8.7308% | 99 |
| Loan and lease loss provision to assets | 1.9450% | 116 |
| Net operating income to assets | 0.6700% | 3,883 |
| Return on assets (ROA) | 0.6731% | 4,139 |
| Pretax return on assets | 0.5629% | 5,097 |
| Return on Equity (ROE) | 7.1173% | 3,572 |
| Retained earnings to average equity (ytd only) | 7.1173% | 1,514 |
| Net charge-offs to loans | 2.7283% | 207 |
| Credit loss provision to net charge-offs | 95.5025% | 3,253 |
| Earnings coverage of net charge-offs (x) | 1.2299% | 4,845 |
| Efficiency ratio | 77.7072% | 2,495 |
| Assets per employee ($millions) | 3.8419% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8718% | 756 |
| Loan loss allowance to noncurrent loans | 20.4875% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 15.5405% | 74 |
| Noncurrent loans to loans | 14.0173% | 100 |
| Net loans and leases to total assets | 73.3206% | 1,286 |
| Net loans and leases to deposits | 117.6087% | 85 |
| Net loans and leases to core deposits | 145.0384% | 119 |
| Total domestic deposits to total assets | 62.3428% | 6,950 |
| Equity capital to assets | 9.7040% | 4,584 |
| Core capital (leverage) ratio | 9.2562% | 4,491 |
| Tier 1 risk-based capital ratio | 15.9023% | 3,217 |
| Total risk-based capital ratio | 17.1821% | 3,160 |
| Memoranda: | ||
| Average total assets | $14,192,829,000 | 82 |
| Average earning assets | $11,806,313,600 | 90 |
| Average equity | $1,342,252,000 | 106 |
| Average total loans | $10,594,548,400 | 72 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1970% | 4,827 |
| Cost of funding earning assets | 1.5414% | 165 |
| Net interest margin | 2.6556% | 6,698 |
| Noninterest income to average assets | 9.0693% | 78 |
| Noninterest expense to average assets | 7.6906% | 119 |
| Loan and lease loss provision to assets | 2.1156% | 102 |
| Net operating income to assets | 1.6633% | 745 |
| Return on assets (ROA) | 1.6704% | 816 |
| Pretax return on assets | 1.4840% | 1,938 |
| Return on Equity (ROE) | 17.7768% | 528 |
| Retained earnings to average equity (ytd only) | 17.7768% | 129 |
| Net charge-offs to loans | 3.0058% | 182 |
| Credit loss provision to net charge-offs | 94.5537% | 3,161 |
| Earnings coverage of net charge-offs (x) | 1.6056% | 4,477 |
| Efficiency ratio | 68.1600% | 4,029 |
| Assets per employee ($millions) | 4.1627% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7579% | 923 |
| Loan loss allowance to noncurrent loans | 20.0007% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 14.5622% | 97 |
| Noncurrent loans to loans | 13.7888% | 112 |
| Net loans and leases to total assets | 72.2458% | 1,513 |
| Net loans and leases to deposits | 111.1134% | 142 |
| Net loans and leases to core deposits | 133.7203% | 165 |
| Total domestic deposits to total assets | 65.0199% | 6,996 |
| Equity capital to assets | 9.7163% | 4,903 |
| Core capital (leverage) ratio | 9.3103% | 4,569 |
| Tier 1 risk-based capital ratio | 16.3063% | 3,107 |
| Total risk-based capital ratio | 17.5845% | 3,059 |
| Memoranda: | ||
| Average total assets | $14,223,772,000 | 82 |
| Average earning assets | $11,857,771,500 | 87 |
| Average equity | $1,336,499,500 | 107 |
| Average total loans | $10,588,058,000 | 73 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2661% | 4,702 |
| Cost of funding earning assets | 1.5653% | 177 |
| Net interest margin | 2.7008% | 6,706 |
| Noninterest income to average assets | 8.1447% | 90 |
| Noninterest expense to average assets | 6.6082% | 169 |
| Loan and lease loss provision to assets | 2.4723% | 90 |
| Net operating income to assets | 1.3277% | 1,369 |
| Return on assets (ROA) | 1.3014% | 1,589 |
| Pretax return on assets | 1.3085% | 2,528 |
| Return on Equity (ROE) | 14.0194% | 1,116 |
| Retained earnings to average equity (ytd only) | 14.0194% | 345 |
| Net charge-offs to loans | 3.9134% | 113 |
| Credit loss provision to net charge-offs | 84.8114% | 3,191 |
| Earnings coverage of net charge-offs (x) | 1.3061% | 4,350 |
| Efficiency ratio | 63.4447% | 4,996 |
| Assets per employee ($millions) | 4.0921% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7372% | 999 |
| Loan loss allowance to noncurrent loans | 15.8999% | 6,622 |
| Noncurrent assets plus other real estate owned to assets | 17.1034% | 67 |
| Noncurrent loans to loans | 17.2151% | 68 |
| Net loans and leases to total assets | 71.0429% | 1,730 |
| Net loans and leases to deposits | 112.1174% | 125 |
| Net loans and leases to core deposits | 136.4717% | 168 |
| Total domestic deposits to total assets | 63.3647% | 7,097 |
| Equity capital to assets | 9.5306% | 5,018 |
| Core capital (leverage) ratio | 9.0735% | 4,801 |
| Tier 1 risk-based capital ratio | 16.0394% | 3,145 |
| Total risk-based capital ratio | 17.3170% | 3,101 |
| Memoranda: | ||
| Average total assets | $14,003,116,670 | 81 |
| Average earning assets | $11,774,349,670 | 86 |
| Average equity | $1,299,886,330 | 109 |
| Average total loans | $10,430,969,000 | 74 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3189% | 4,664 |
| Cost of funding earning assets | 1.5952% | 191 |
| Net interest margin | 2.7237% | 6,747 |
| Noninterest income to average assets | 8.0248% | 85 |
| Noninterest expense to average assets | 6.9860% | 146 |
| Loan and lease loss provision to assets | 3.3173% | 54 |
| Net operating income to assets | 0.0141% | 6,393 |
| Return on assets (ROA) | -0.0109% | 6,545 |
| Pretax return on assets | -0.0109% | 6,540 |
| Return on Equity (ROE) | -0.1188% | 6,544 |
| Retained earnings to average equity (ytd only) | -0.1188% | 6,007 |
| Net charge-offs to loans | 5.8314% | 68 |
| Credit loss provision to net charge-offs | 75.6054% | 2,809 |
| Earnings coverage of net charge-offs (x) | 0.7593% | 3,955 |
| Efficiency ratio | 67.7104% | 4,227 |
| Assets per employee ($millions) | 4.2699% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6489% | 1,173 |
| Loan loss allowance to noncurrent loans | 15.2442% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 17.7128% | 70 |
| Noncurrent loans to loans | 17.3761% | 77 |
| Net loans and leases to total assets | 73.6050% | 1,125 |
| Net loans and leases to deposits | 118.1703% | 83 |
| Net loans and leases to core deposits | 146.9882% | 117 |
| Total domestic deposits to total assets | 62.2872% | 7,166 |
| Equity capital to assets | 9.0735% | 5,397 |
| Core capital (leverage) ratio | 8.6448% | 5,388 |
| Tier 1 risk-based capital ratio | 14.9077% | 3,818 |
| Total risk-based capital ratio | 16.1853% | 3,762 |
| Memoranda: | ||
| Average total assets | $13,827,133,500 | 82 |
| Average earning assets | $11,639,114,000 | 89 |
| Average equity | $1,265,768,000 | 110 |
| Average total loans | $10,403,823,000 | 73 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2852% | 5,804 |
| Cost of funding earning assets | 1.9941% | 104 |
| Net interest margin | 2.2912% | 7,146 |
| Noninterest income to average assets | 4.2656% | 145 |
| Noninterest expense to average assets | 5.7887% | 232 |
| Loan and lease loss provision to assets | 1.3277% | 605 |
| Net operating income to assets | -0.9368% | 6,714 |
| Return on assets (ROA) | -1.2830% | 6,868 |
| Pretax return on assets | -1.2812% | 6,836 |
| Return on Equity (ROE) | -12.9977% | 6,838 |
| Retained earnings to average equity (ytd only) | -12.9977% | 6,811 |
| Net charge-offs to loans | 1.6327% | 964 |
| Credit loss provision to net charge-offs | 112.2723% | 2,943 |
| Earnings coverage of net charge-offs (x) | 0.3320% | 5,574 |
| Efficiency ratio | 93.1190% | 975 |
| Assets per employee ($millions) | 4.3442% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3611% | 1,523 |
| Loan loss allowance to noncurrent loans | 12.8663% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 18.5671% | 69 |
| Noncurrent loans to loans | 18.3508% | 69 |
| Net loans and leases to total assets | 73.0979% | 1,434 |
| Net loans and leases to deposits | 127.6274% | 58 |
| Net loans and leases to core deposits | 163.0733% | 103 |
| Total domestic deposits to total assets | 57.2744% | 7,258 |
| Equity capital to assets | 9.2374% | 5,232 |
| Core capital (leverage) ratio | 8.9484% | 4,866 |
| Tier 1 risk-based capital ratio | 15.3727% | 3,407 |
| Total risk-based capital ratio | 16.6438% | 3,346 |
| Memoranda: | ||
| Average total assets | $13,326,580,000 | 83 |
| Average earning assets | $11,142,798,400 | 88 |
| Average equity | $1,315,456,800 | 100 |
| Average total loans | $9,651,996,800 | 74 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1642% | 6,290 |
| Cost of funding earning assets | 2.0482% | 100 |
| Net interest margin | 2.1160% | 7,285 |
| Noninterest income to average assets | 3.7497% | 166 |
| Noninterest expense to average assets | 5.0060% | 367 |
| Loan and lease loss provision to assets | 1.1407% | 710 |
| Net operating income to assets | -0.6315% | 6,717 |
| Return on assets (ROA) | -1.0128% | 6,917 |
| Pretax return on assets | -1.0118% | 6,880 |
| Return on Equity (ROE) | -10.0939% | 6,893 |
| Retained earnings to average equity (ytd only) | -10.0939% | 6,858 |
| Net charge-offs to loans | 0.8533% | 1,864 |
| Credit loss provision to net charge-offs | 186.1820% | 1,574 |
| Earnings coverage of net charge-offs (x) | 0.8327% | 4,991 |
| Efficiency ratio | 90.3021% | 1,147 |
| Assets per employee ($millions) | 4.1587% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6583% | 1,184 |
| Loan loss allowance to noncurrent loans | 15.5253% | 6,804 |
| Noncurrent assets plus other real estate owned to assets | 17.6369% | 79 |
| Noncurrent loans to loans | 17.1225% | 90 |
| Net loans and leases to total assets | 71.9665% | 1,707 |
| Net loans and leases to deposits | 119.3580% | 91 |
| Net loans and leases to core deposits | 150.8021% | 135 |
| Total domestic deposits to total assets | 60.2947% | 7,296 |
| Equity capital to assets | 9.5746% | 4,973 |
| Core capital (leverage) ratio | 9.3125% | 4,431 |
| Tier 1 risk-based capital ratio | 16.3727% | 2,927 |
| Total risk-based capital ratio | 17.6490% | 2,879 |
| Memoranda: | ||
| Average total assets | $13,252,357,750 | 84 |
| Average earning assets | $11,063,595,000 | 89 |
| Average equity | $1,329,708,750 | 99 |
| Average total loans | $9,515,176,000 | 75 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 6,635 |
| Cost of funding earning assets | 2.1149% | 96 |
| Net interest margin | 1.9048% | 7,388 |
| Noninterest income to average assets | 3.8214% | 176 |
| Noninterest expense to average assets | 4.6634% | 504 |
| Loan and lease loss provision to assets | 1.1712% | 678 |
| Net operating income to assets | -0.4306% | 6,641 |
| Return on assets (ROA) | -1.3939% | 7,077 |
| Pretax return on assets | -1.3928% | 7,031 |
| Return on Equity (ROE) | -13.6735% | 7,031 |
| Retained earnings to average equity (ytd only) | -13.6735% | 6,996 |
| Net charge-offs to loans | 1.1671% | 1,340 |
| Credit loss provision to net charge-offs | 141.2316% | 2,158 |
| Earnings coverage of net charge-offs (x) | 0.8944% | 4,628 |
| Efficiency ratio | 85.6814% | 1,631 |
| Assets per employee ($millions) | 3.9366% | 3,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7757% | 1,098 |
| Loan loss allowance to noncurrent loans | 15.1519% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 18.4078% | 85 |
| Noncurrent loans to loans | 18.3192% | 83 |
| Net loans and leases to total assets | 70.6859% | 2,074 |
| Net loans and leases to deposits | 118.3327% | 98 |
| Net loans and leases to core deposits | 148.1966% | 154 |
| Total domestic deposits to total assets | 59.7349% | 7,378 |
| Equity capital to assets | 10.4778% | 3,535 |
| Core capital (leverage) ratio | 10.0698% | 3,177 |
| Tier 1 risk-based capital ratio | 18.4529% | 2,027 |
| Total risk-based capital ratio | 19.7264% | 1,970 |
| Memoranda: | ||
| Average total assets | $13,096,658,670 | 86 |
| Average earning assets | $10,889,242,000 | 91 |
| Average equity | $1,335,082,000 | 99 |
| Average total loans | $9,305,885,330 | 80 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7843% | 6,970 |
| Cost of funding earning assets | 2.1156% | 115 |
| Net interest margin | 1.6687% | 7,480 |
| Noninterest income to average assets | 4.5552% | 145 |
| Noninterest expense to average assets | 4.5659% | 559 |
| Loan and lease loss provision to assets | 0.8501% | 973 |
| Net operating income to assets | 0.5214% | 4,399 |
| Return on assets (ROA) | -0.7091% | 6,926 |
| Pretax return on assets | -0.7037% | 6,876 |
| Return on Equity (ROE) | -7.0490% | 6,917 |
| Retained earnings to average equity (ytd only) | -7.0490% | 6,679 |
| Net charge-offs to loans | 1.1263% | 1,231 |
| Credit loss provision to net charge-offs | 107.3979% | 2,483 |
| Earnings coverage of net charge-offs (x) | 1.7395% | 3,439 |
| Efficiency ratio | 76.2876% | 3,111 |
| Assets per employee ($millions) | 4.0124% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4264% | 1,570 |
| Loan loss allowance to noncurrent loans | 12.3687% | 6,975 |
| Noncurrent assets plus other real estate owned to assets | 17.8720% | 92 |
| Noncurrent loans to loans | 19.6171% | 71 |
| Net loans and leases to total assets | 64.8678% | 3,269 |
| Net loans and leases to deposits | 106.1488% | 247 |
| Net loans and leases to core deposits | 137.1170% | 218 |
| Total domestic deposits to total assets | 61.1103% | 7,418 |
| Equity capital to assets | 10.2429% | 3,477 |
| Core capital (leverage) ratio | 9.8703% | 3,313 |
| Tier 1 risk-based capital ratio | 19.2368% | 1,742 |
| Total risk-based capital ratio | 20.5091% | 1,708 |
| Memoranda: | ||
| Average total assets | $13,320,809,500 | 85 |
| Average earning assets | $11,076,219,500 | 90 |
| Average equity | $1,339,989,000 | 99 |
| Average total loans | $9,360,899,000 | 81 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 6,315 |
| Cost of funding earning assets | 2.7972% | 46 |
| Net interest margin | 1.7318% | 7,516 |
| Noninterest income to average assets | 3.4925% | 197 |
| Noninterest expense to average assets | 4.5107% | 642 |
| Loan and lease loss provision to assets | 3.0469% | 305 |
| Net operating income to assets | -2.6459% | 7,216 |
| Return on assets (ROA) | -2.5365% | 7,206 |
| Pretax return on assets | -2.5325% | 7,175 |
| Return on Equity (ROE) | -28.9333% | 7,208 |
| Retained earnings to average equity (ytd only) | -28.9333% | 7,196 |
| Net charge-offs to loans | 2.1037% | 942 |
| Credit loss provision to net charge-offs | 203.0103% | 1,532 |
| Earnings coverage of net charge-offs (x) | 0.2698% | 5,839 |
| Efficiency ratio | 90.9504% | 1,244 |
| Assets per employee ($millions) | 4.3047% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0695% | 2,132 |
| Loan loss allowance to noncurrent loans | 12.0501% | 7,061 |
| Noncurrent assets plus other real estate owned to assets | 17.5667% | 104 |
| Noncurrent loans to loans | 17.1741% | 106 |
| Net loans and leases to total assets | 72.3594% | 2,014 |
| Net loans and leases to deposits | 120.3647% | 114 |
| Net loans and leases to core deposits | 153.2996% | 166 |
| Total domestic deposits to total assets | 60.1168% | 7,505 |
| Equity capital to assets | 9.8844% | 3,895 |
| Core capital (leverage) ratio | 9.6069% | 3,547 |
| Tier 1 risk-based capital ratio | 17.2659% | 2,240 |
| Total risk-based capital ratio | 18.5334% | 2,203 |
| Memoranda: | ||
| Average total assets | $13,993,164,600 | 79 |
| Average earning assets | $11,498,631,800 | 90 |
| Average equity | $1,226,724,600 | 102 |
| Average total loans | $9,983,212,400 | 74 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 6,358 |
| Cost of funding earning assets | 2.9719% | 34 |
| Net interest margin | 1.6188% | 7,656 |
| Noninterest income to average assets | 3.4269% | 191 |
| Noninterest expense to average assets | 4.5075% | 585 |
| Loan and lease loss provision to assets | 1.9029% | 644 |
| Net operating income to assets | -1.6603% | 7,146 |
| Return on assets (ROA) | -1.6917% | 7,169 |
| Pretax return on assets | -1.6907% | 7,100 |
| Return on Equity (ROE) | -19.9122% | 7,220 |
| Retained earnings to average equity (ytd only) | -19.9122% | 7,203 |
| Net charge-offs to loans | 2.1790% | 838 |
| Credit loss provision to net charge-offs | 123.4700% | 3,321 |
| Earnings coverage of net charge-offs (x) | 0.1580% | 5,862 |
| Efficiency ratio | 94.0657% | 997 |
| Assets per employee ($millions) | 4.4494% | 2,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5186% | 531 |
| Loan loss allowance to noncurrent loans | 17.4609% | 6,989 |
| Noncurrent assets plus other real estate owned to assets | 19.5518% | 68 |
| Noncurrent loans to loans | 20.1514% | 71 |
| Net loans and leases to total assets | 71.4759% | 2,358 |
| Net loans and leases to deposits | 114.1812% | 185 |
| Net loans and leases to core deposits | 151.3430% | 183 |
| Total domestic deposits to total assets | 62.5987% | 7,548 |
| Equity capital to assets | 9.2870% | 5,167 |
| Core capital (leverage) ratio | 9.1213% | 4,496 |
| Tier 1 risk-based capital ratio | 15.5835% | 2,948 |
| Total risk-based capital ratio | 16.8722% | 2,903 |
| Memoranda: | ||
| Average total assets | $14,082,121,250 | 78 |
| Average earning assets | $11,518,691,750 | 87 |
| Average equity | $1,196,413,750 | 104 |
| Average total loans | $9,959,907,000 | 73 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6497% | 6,314 |
| Cost of funding earning assets | 3.0216% | 37 |
| Net interest margin | 1.6281% | 7,725 |
| Noninterest income to average assets | 3.3713% | 198 |
| Noninterest expense to average assets | 4.3356% | 695 |
| Loan and lease loss provision to assets | 2.1119% | 581 |
| Net operating income to assets | -1.7432% | 7,244 |
| Return on assets (ROA) | -2.2975% | 7,384 |
| Pretax return on assets | -2.3071% | 7,320 |
| Return on Equity (ROE) | -27.8877% | 7,404 |
| Retained earnings to average equity (ytd only) | -27.8877% | 7,390 |
| Net charge-offs to loans | 2.3064% | 771 |
| Credit loss provision to net charge-offs | 131.4995% | 3,062 |
| Earnings coverage of net charge-offs (x) | 0.2236% | 5,502 |
| Efficiency ratio | 91.5738% | 1,217 |
| Assets per employee ($millions) | 4.4372% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7436% | 453 |
| Loan loss allowance to noncurrent loans | 18.6785% | 7,004 |
| Noncurrent assets plus other real estate owned to assets | 18.9669% | 70 |
| Noncurrent loans to loans | 20.0421% | 88 |
| Net loans and leases to total assets | 70.8702% | 2,696 |
| Net loans and leases to deposits | 116.1070% | 175 |
| Net loans and leases to core deposits | 159.0246% | 167 |
| Total domestic deposits to total assets | 61.0387% | 7,640 |
| Equity capital to assets | 9.3919% | 4,872 |
| Core capital (leverage) ratio | 9.2396% | 4,233 |
| Tier 1 risk-based capital ratio | 15.9031% | 2,718 |
| Total risk-based capital ratio | 17.1953% | 2,661 |
| Memoranda: | ||
| Average total assets | $14,165,060,330 | 76 |
| Average earning assets | $11,514,640,330 | 84 |
| Average equity | $1,166,986,000 | 104 |
| Average total loans | $9,863,852,330 | 72 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 6,615 |
| Cost of funding earning assets | 3.0127% | 44 |
| Net interest margin | 1.5665% | 7,820 |
| Noninterest income to average assets | 3.0926% | 205 |
| Noninterest expense to average assets | 4.0774% | 933 |
| Loan and lease loss provision to assets | 1.7651% | 645 |
| Net operating income to assets | -1.4860% | 7,326 |
| Return on assets (ROA) | -1.9901% | 7,463 |
| Pretax return on assets | -1.9983% | 7,415 |
| Return on Equity (ROE) | -25.8773% | 7,514 |
| Retained earnings to average equity (ytd only) | -25.8773% | 7,476 |
| Net charge-offs to loans | 1.4717% | 1,172 |
| Credit loss provision to net charge-offs | 177.0643% | 2,061 |
| Earnings coverage of net charge-offs (x) | 0.2718% | 4,800 |
| Efficiency ratio | 93.0417% | 1,199 |
| Assets per employee ($millions) | 4.5849% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2058% | 310 |
| Loan loss allowance to noncurrent loans | 26.7941% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 17.9903% | 88 |
| Noncurrent loans to loans | 15.6969% | 159 |
| Net loans and leases to total assets | 62.2721% | 4,703 |
| Net loans and leases to deposits | 108.1343% | 339 |
| Net loans and leases to core deposits | 151.2058% | 235 |
| Total domestic deposits to total assets | 57.5877% | 7,781 |
| Equity capital to assets | 9.4825% | 4,559 |
| Core capital (leverage) ratio | 9.3902% | 3,923 |
| Tier 1 risk-based capital ratio | 16.6839% | 2,383 |
| Total risk-based capital ratio | 17.9775% | 2,318 |
| Memoranda: | ||
| Average total assets | $14,403,172,500 | 73 |
| Average earning assets | $11,545,991,000 | 81 |
| Average equity | $1,107,656,500 | 109 |
| Average total loans | $9,756,474,000 | 74 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4908% | 4,192 |
| Cost of funding earning assets | 3.7006% | 20 |
| Net interest margin | 1.7902% | 7,807 |
| Noninterest income to average assets | 2.1702% | 336 |
| Noninterest expense to average assets | 4.9144% | 556 |
| Loan and lease loss provision to assets | 3.2949% | 485 |
| Net operating income to assets | -4.8937% | 7,734 |
| Return on assets (ROA) | -2.8423% | 7,365 |
| Pretax return on assets | -2.4655% | 7,136 |
| Return on Equity (ROE) | -45.6766% | 7,634 |
| Retained earnings to average equity (ytd only) | -45.6766% | 7,623 |
| Net charge-offs to loans | 2.9738% | 717 |
| Credit loss provision to net charge-offs | 155.3425% | 2,925 |
| Earnings coverage of net charge-offs (x) | -0.5761% | 6,739 |
| Efficiency ratio | 132.2897% | 454 |
| Assets per employee ($millions) | 4.4035% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6972% | 449 |
| Loan loss allowance to noncurrent loans | 26.0699% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 17.4093% | 93 |
| Noncurrent loans to loans | 14.1817% | 202 |
| Net loans and leases to total assets | 67.8361% | 3,738 |
| Net loans and leases to deposits | 110.7209% | 361 |
| Net loans and leases to core deposits | 135.8634% | 956 |
| Total domestic deposits to total assets | 61.2677% | 7,780 |
| Equity capital to assets | 5.9180% | 7,675 |
| Core capital (leverage) ratio | 5.8093% | 7,667 |
| Tier 1 risk-based capital ratio | 9.9844% | 6,885 |
| Total risk-based capital ratio | 11.2735% | 6,823 |
| Memoranda: | ||
| Average total assets | $15,307,566,800 | 72 |
| Average earning assets | $13,015,822,600 | 72 |
| Average equity | $952,531,000 | 118 |
| Average total loans | $10,917,988,600 | 66 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5796% | 3,976 |
| Cost of funding earning assets | 3.7893% | 21 |
| Net interest margin | 1.7903% | 7,885 |
| Noninterest income to average assets | 1.8362% | 440 |
| Noninterest expense to average assets | 4.8598% | 541 |
| Loan and lease loss provision to assets | 3.5187% | 373 |
| Net operating income to assets | -5.4952% | 7,883 |
| Return on assets (ROA) | -3.1276% | 7,624 |
| Pretax return on assets | -2.6324% | 7,396 |
| Return on Equity (ROE) | -49.6947% | 7,829 |
| Retained earnings to average equity (ytd only) | -49.6947% | 7,826 |
| Net charge-offs to loans | 3.3735% | 452 |
| Credit loss provision to net charge-offs | 145.8199% | 3,336 |
| Earnings coverage of net charge-offs (x) | -0.6139% | 6,528 |
| Efficiency ratio | 142.9458% | 355 |
| Assets per employee ($millions) | 4.1799% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3241% | 494 |
| Loan loss allowance to noncurrent loans | 37.5625% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 10.7002% | 296 |
| Noncurrent loans to loans | 8.8496% | 512 |
| Net loans and leases to total assets | 66.7513% | 4,245 |
| Net loans and leases to deposits | 114.1355% | 320 |
| Net loans and leases to core deposits | 142.2819% | 827 |
| Total domestic deposits to total assets | 58.4843% | 7,899 |
| Equity capital to assets | 6.2865% | 7,808 |
| Core capital (leverage) ratio | 6.3940% | 7,705 |
| Tier 1 risk-based capital ratio | 10.7821% | 6,182 |
| Total risk-based capital ratio | 12.0636% | 6,103 |
| Memoranda: | ||
| Average total assets | $15,513,683,500 | 76 |
| Average earning assets | $13,365,043,000 | 75 |
| Average equity | $976,384,750 | 121 |
| Average total loans | $11,096,996,000 | 68 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6032% | 4,060 |
| Cost of funding earning assets | 3.7991% | 39 |
| Net interest margin | 1.8042% | 7,940 |
| Noninterest income to average assets | 1.2478% | 985 |
| Noninterest expense to average assets | 4.9421% | 532 |
| Loan and lease loss provision to assets | 3.6026% | 382 |
| Net operating income to assets | -3.7275% | 7,792 |
| Return on assets (ROA) | -1.2322% | 7,138 |
| Pretax return on assets | -1.8877% | 7,244 |
| Return on Equity (ROE) | -19.5710% | 7,489 |
| Retained earnings to average equity (ytd only) | -19.5710% | 7,440 |
| Net charge-offs to loans | 3.6164% | 424 |
| Credit loss provision to net charge-offs | 137.7704% | 3,393 |
| Earnings coverage of net charge-offs (x) | -0.8123% | 6,181 |
| Efficiency ratio | 174.2564% | 271 |
| Assets per employee ($millions) | 4.4345% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7148% | 740 |
| Loan loss allowance to noncurrent loans | 34.6968% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 7.3287% | 553 |
| Noncurrent loans to loans | 7.8242% | 573 |
| Net loans and leases to total assets | 66.9599% | 4,364 |
| Net loans and leases to deposits | 114.2026% | 391 |
| Net loans and leases to core deposits | 139.8854% | 1,015 |
| Total domestic deposits to total assets | 58.6325% | 7,968 |
| Equity capital to assets | 7.0082% | 7,616 |
| Core capital (leverage) ratio | 7.1865% | 7,370 |
| Tier 1 risk-based capital ratio | 12.3922% | 4,604 |
| Total risk-based capital ratio | 13.6662% | 4,512 |
| Memoranda: | ||
| Average total assets | $15,759,561,670 | 79 |
| Average earning assets | $13,716,313,670 | 76 |
| Average equity | $992,214,000 | 122 |
| Average total loans | $11,395,211,670 | 71 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6281% | 4,190 |
| Cost of funding earning assets | 3.8591% | 50 |
| Net interest margin | 1.7690% | 7,980 |
| Noninterest income to average assets | 0.5174% | 4,160 |
| Noninterest expense to average assets | 4.4122% | 774 |
| Loan and lease loss provision to assets | 4.0941% | 231 |
| Net operating income to assets | -4.1935% | 7,995 |
| Return on assets (ROA) | -1.1857% | 7,371 |
| Pretax return on assets | -1.8188% | 7,480 |
| Return on Equity (ROE) | -20.0315% | 7,753 |
| Retained earnings to average equity (ytd only) | -20.0315% | 7,644 |
| Net charge-offs to loans | 2.6875% | 493 |
| Credit loss provision to net charge-offs | 205.4514% | 2,165 |
| Earnings coverage of net charge-offs (x) | -1.1803% | 5,396 |
| Efficiency ratio | 212.5936% | 165 |
| Assets per employee ($millions) | 4.5315% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6268% | 668 |
| Loan loss allowance to noncurrent loans | 36.6490% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 6.8177% | 516 |
| Noncurrent loans to loans | 7.1674% | 550 |
| Net loans and leases to total assets | 72.4622% | 3,138 |
| Net loans and leases to deposits | 122.7835% | 239 |
| Net loans and leases to core deposits | 157.6945% | 531 |
| Total domestic deposits to total assets | 59.0163% | 7,990 |
| Equity capital to assets | 6.9178% | 7,715 |
| Core capital (leverage) ratio | 7.2199% | 7,462 |
| Tier 1 risk-based capital ratio | 12.3074% | 4,699 |
| Total risk-based capital ratio | 13.5827% | 4,595 |
| Memoranda: | ||
| Average total assets | $15,457,728,000 | 80 |
| Average earning assets | $13,480,760,000 | 78 |
| Average equity | $914,941,000 | 126 |
| Average total loans | $11,461,545,500 | 73 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1682% | 4,679 |
| Cost of funding earning assets | 4.1786% | 50 |
| Net interest margin | 1.9896% | 8,069 |
| Noninterest income to average assets | -0.4729% | 8,268 |
| Noninterest expense to average assets | 2.8895% | 4,486 |
| Loan and lease loss provision to assets | 2.3085% | 484 |
| Net operating income to assets | -2.5455% | 7,723 |
| Return on assets (ROA) | -1.7352% | 7,490 |
| Pretax return on assets | -2.6740% | 7,634 |
| Return on Equity (ROE) | -29.7989% | 7,958 |
| Retained earnings to average equity (ytd only) | -30.3061% | 7,919 |
| Net charge-offs to loans | 1.0371% | 1,190 |
| Credit loss provision to net charge-offs | 293.3895% | 1,546 |
| Earnings coverage of net charge-offs (x) | -2.0489% | 6,709 |
| Efficiency ratio | 223.3237% | 165 |
| Assets per employee ($millions) | 3.7287% | 4,109 |
| Cash dividends to net income (ytd only)* | -1.7018% | 7,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4777% | 697 |
| Loan loss allowance to noncurrent loans | 35.7656% | 6,353 |
| Noncurrent assets plus other real estate owned to assets | 6.6127% | 415 |
| Noncurrent loans to loans | 6.9276% | 443 |
| Net loans and leases to total assets | 71.9996% | 3,583 |
| Net loans and leases to deposits | 128.8866% | 227 |
| Net loans and leases to core deposits | 165.2674% | 484 |
| Total domestic deposits to total assets | 55.8628% | 8,060 |
| Equity capital to assets | 4.7367% | 8,211 |
| Core capital (leverage) ratio | 4.9529% | 8,214 |
| Tier 1 risk-based capital ratio | 7.8266% | 8,107 |
| Total risk-based capital ratio | 9.0970% | 8,134 |
| Memoranda: | ||
| Average total assets | $14,900,002,800 | 83 |
| Average earning assets | $13,107,651,600 | 84 |
| Average equity | $867,641,800 | 129 |
| Average total loans | $11,304,660,800 | 76 |