Home > Investors Bank > Performance and Condition Ratios
Investors Bank, Performance and Condition Ratios
| 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 | 3.4998% | 1,810 |
| Cost of funding earning assets | 0.4726% | 573 |
| Net interest margin | 3.0272% | 2,415 |
| Noninterest income to average assets | 0.1938% | 4,000 |
| Noninterest expense to average assets | 3.7866% | 321 |
| Loan and lease loss provision to assets | 0.0062% | 2,199 |
| Net operating income to assets | -1.1129% | 4,741 |
| Return on assets (ROA) | -1.1166% | 4,737 |
| Pretax return on assets | -0.7150% | 4,710 |
| Return on Equity (ROE) | -11.8425% | 4,754 |
| Retained earnings to average equity (ytd only) | -17.1709% | 4,668 |
| Net charge-offs to loans | -0.0172% | 3,836 |
| Credit loss provision to net charge-offs | -44.5128% | 2,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.7215% | 81 |
| Assets per employee ($millions) | 16.9093% | 145 |
| Cash dividends to net income (ytd only)* | -44.9929% | 4,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0615% | 3,489 |
| Loan loss allowance to noncurrent loans | 218.5204% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 1,500 |
| Noncurrent loans to loans | 0.4858% | 1,814 |
| Net loans and leases to total assets | 80.7259% | 214 |
| Net loans and leases to deposits | 109.4697% | 73 |
| Net loans and leases to core deposits | 115.3108% | 184 |
| Total domestic deposits to total assets | 73.7427% | 4,578 |
| Equity capital to assets | 9.5069% | 2,276 |
| Core capital (leverage) ratio | 9.0867% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4299% | 2,795 |
| Memoranda: | ||
| Average total assets | $27,866,447,500 | 81 |
| Average earning assets | $26,582,185,000 | 79 |
| Average equity | $2,627,476,000 | 90 |
| Average total loans | $22,696,745,500 | 62 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6207% | 2,328 |
| Cost of funding earning assets | 0.5783% | 608 |
| Net interest margin | 3.0425% | 3,069 |
| Noninterest income to average assets | 0.2162% | 4,069 |
| Noninterest expense to average assets | 1.6958% | 4,300 |
| Loan and lease loss provision to assets | -0.1818% | 4,673 |
| Net operating income to assets | 1.1671% | 2,032 |
| Return on assets (ROA) | 1.1679% | 2,091 |
| Pretax return on assets | 1.5969% | 1,429 |
| Return on Equity (ROE) | 12.4487% | 1,674 |
| Retained earnings to average equity (ytd only) | 5.0681% | 2,755 |
| Net charge-offs to loans | -0.0025% | 3,405 |
| Credit loss provision to net charge-offs | 8,149.0706% | 86 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3719% | 3,890 |
| Assets per employee ($millions) | 16.9092% | 156 |
| Cash dividends to net income (ytd only)* | 59.2877% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,496 |
| Loan loss allowance to noncurrent loans | 225.8029% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 1,677 |
| Noncurrent loans to loans | 0.4719% | 1,950 |
| Net loans and leases to total assets | 80.4373% | 250 |
| Net loans and leases to deposits | 105.5329% | 112 |
| Net loans and leases to core deposits | 111.4689% | 261 |
| Total domestic deposits to total assets | 76.2201% | 4,499 |
| Equity capital to assets | 9.3502% | 3,273 |
| Core capital (leverage) ratio | 8.9938% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4169% | 2,794 |
| Memoranda: | ||
| Average total assets | $26,718,981,600 | 83 |
| Average earning assets | $25,412,473,400 | 81 |
| Average equity | $2,506,595,200 | 95 |
| Average total loans | $21,518,990,800 | 65 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6296% | 2,477 |
| Cost of funding earning assets | 0.5990% | 643 |
| Net interest margin | 3.0306% | 3,229 |
| Noninterest income to average assets | 0.2255% | 4,054 |
| Noninterest expense to average assets | 1.7191% | 4,298 |
| Loan and lease loss provision to assets | -0.1290% | 4,660 |
| Net operating income to assets | 1.1065% | 2,532 |
| Return on assets (ROA) | 1.1077% | 2,580 |
| Pretax return on assets | 1.5169% | 1,954 |
| Return on Equity (ROE) | 11.7968% | 2,119 |
| Retained earnings to average equity (ytd only) | 3.7449% | 3,664 |
| Net charge-offs to loans | -0.0144% | 3,828 |
| Credit loss provision to net charge-offs | 994.2770% | 516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2218% | 3,631 |
| Assets per employee ($millions) | 15.9848% | 169 |
| Cash dividends to net income (ytd only)* | 68.2547% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,974 |
| Loan loss allowance to noncurrent loans | 337.9728% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 2,326 |
| Noncurrent loans to loans | 0.3562% | 2,500 |
| Net loans and leases to total assets | 79.2636% | 331 |
| Net loans and leases to deposits | 104.2032% | 151 |
| Net loans and leases to core deposits | 110.6227% | 311 |
| Total domestic deposits to total assets | 76.0664% | 4,536 |
| Equity capital to assets | 9.2288% | 3,627 |
| Core capital (leverage) ratio | 9.0204% | 3,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5380% | 2,845 |
| Memoranda: | ||
| Average total assets | $26,453,271,250 | 83 |
| Average earning assets | $25,138,789,500 | 81 |
| Average equity | $2,483,827,750 | 94 |
| Average total loans | $21,251,828,000 | 68 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6420% | 2,497 |
| Cost of funding earning assets | 0.6154% | 688 |
| Net interest margin | 3.0266% | 3,256 |
| Noninterest income to average assets | 0.2237% | 4,062 |
| Noninterest expense to average assets | 1.6075% | 4,498 |
| Loan and lease loss provision to assets | -0.0965% | 4,619 |
| Net operating income to assets | 1.1587% | 2,338 |
| Return on assets (ROA) | 1.1607% | 2,389 |
| Pretax return on assets | 1.5903% | 1,762 |
| Return on Equity (ROE) | 12.2883% | 1,951 |
| Retained earnings to average equity (ytd only) | 4.1990% | 3,459 |
| Net charge-offs to loans | -0.0242% | 4,059 |
| Credit loss provision to net charge-offs | 606.0952% | 620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7427% | 4,071 |
| Assets per employee ($millions) | 15.8563% | 172 |
| Cash dividends to net income (ytd only)* | 65.8298% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 2,608 |
| Loan loss allowance to noncurrent loans | 341.1516% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 2,424 |
| Noncurrent loans to loans | 0.3708% | 2,569 |
| Net loans and leases to total assets | 78.7809% | 390 |
| Net loans and leases to deposits | 106.7509% | 149 |
| Net loans and leases to core deposits | 114.4487% | 283 |
| Total domestic deposits to total assets | 73.7989% | 4,661 |
| Equity capital to assets | 9.3227% | 3,492 |
| Core capital (leverage) ratio | 9.3877% | 3,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9192% | 2,743 |
| Memoranda: | ||
| Average total assets | $26,175,654,000 | 83 |
| Average earning assets | $24,865,140,333 | 81 |
| Average equity | $2,472,376,667 | 95 |
| Average total loans | $21,038,608,333 | 69 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5936% | 2,658 |
| Cost of funding earning assets | 0.6443% | 720 |
| Net interest margin | 2.9494% | 3,386 |
| Noninterest income to average assets | 0.2741% | 3,758 |
| Noninterest expense to average assets | 1.5947% | 4,544 |
| Loan and lease loss provision to assets | -0.0458% | 4,643 |
| Net operating income to assets | 1.1101% | 2,439 |
| Return on assets (ROA) | 1.1140% | 2,510 |
| Pretax return on assets | 1.5313% | 1,911 |
| Return on Equity (ROE) | 11.7155% | 2,119 |
| Retained earnings to average equity (ytd only) | 6.8394% | 2,629 |
| Net charge-offs to loans | -0.0333% | 4,221 |
| Credit loss provision to net charge-offs | 55.2995% | 1,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7319% | 4,021 |
| Assets per employee ($millions) | 14.5677% | 215 |
| Cash dividends to net income (ytd only)* | 41.6216% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 2,145 |
| Loan loss allowance to noncurrent loans | 334.3699% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 2,460 |
| Noncurrent loans to loans | 0.4068% | 2,646 |
| Net loans and leases to total assets | 79.8494% | 343 |
| Net loans and leases to deposits | 106.8329% | 159 |
| Net loans and leases to core deposits | 116.3341% | 286 |
| Total domestic deposits to total assets | 74.7424% | 4,639 |
| Equity capital to assets | 9.6835% | 3,022 |
| Core capital (leverage) ratio | 9.4018% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2610% | 2,576 |
| Memoranda: | ||
| Average total assets | $25,880,796,500 | 84 |
| Average earning assets | $24,579,750,500 | 83 |
| Average equity | $2,460,935,000 | 96 |
| Average total loans | $20,879,849,500 | 70 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8743% | 3,101 |
| Cost of funding earning assets | 1.0062% | 581 |
| Net interest margin | 2.8681% | 4,168 |
| Noninterest income to average assets | 0.3197% | 3,545 |
| Noninterest expense to average assets | 1.6958% | 4,621 |
| Loan and lease loss provision to assets | 0.2462% | 1,570 |
| Net operating income to assets | 0.8237% | 2,999 |
| Return on assets (ROA) | 0.8244% | 3,120 |
| Pretax return on assets | 1.1031% | 2,681 |
| Return on Equity (ROE) | 9.3493% | 2,262 |
| Retained earnings to average equity (ytd only) | 4.8764% | 2,328 |
| Net charge-offs to loans | 0.0501% | 2,082 |
| Credit loss provision to net charge-offs | 609.1336% | 1,090 |
| Earnings coverage of net charge-offs (x) | 33.6990% | 1,512 |
| Efficiency ratio | 55.5237% | 4,043 |
| Assets per employee ($millions) | 14.3916% | 201 |
| Cash dividends to net income (ytd only)* | 47.8414% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 2,176 |
| Loan loss allowance to noncurrent loans | 260.8416% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 2,300 |
| Noncurrent loans to loans | 0.5191% | 2,420 |
| Net loans and leases to total assets | 79.3170% | 476 |
| Net loans and leases to deposits | 104.1206% | 259 |
| Net loans and leases to core deposits | 116.1249% | 365 |
| Total domestic deposits to total assets | 76.1780% | 4,499 |
| Equity capital to assets | 9.3354% | 3,761 |
| Core capital (leverage) ratio | 9.0776% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9684% | 2,637 |
| Memoranda: | ||
| Average total assets | $26,622,733,000 | 79 |
| Average earning assets | $25,290,720,600 | 76 |
| Average equity | $2,347,509,800 | 95 |
| Average total loans | $21,275,233,800 | 67 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8897% | 3,284 |
| Cost of funding earning assets | 1.0772% | 580 |
| Net interest margin | 2.8124% | 4,325 |
| Noninterest income to average assets | 0.2027% | 4,258 |
| Noninterest expense to average assets | 1.5127% | 4,793 |
| Loan and lease loss provision to assets | 0.3588% | 1,043 |
| Net operating income to assets | 0.7270% | 3,363 |
| Return on assets (ROA) | 0.7280% | 3,462 |
| Pretax return on assets | 1.0049% | 3,054 |
| Return on Equity (ROE) | 8.3749% | 2,659 |
| Retained earnings to average equity (ytd only) | 6.6566% | 1,828 |
| Net charge-offs to loans | 0.0797% | 1,509 |
| Credit loss provision to net charge-offs | 559.9687% | 1,206 |
| Earnings coverage of net charge-offs (x) | 21.4212% | 1,864 |
| Efficiency ratio | 52.4274% | 4,300 |
| Assets per employee ($millions) | 14.6174% | 178 |
| Cash dividends to net income (ytd only)* | 20.5176% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 1,883 |
| Loan loss allowance to noncurrent loans | 217.0149% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 2,162 |
| Noncurrent loans to loans | 0.6306% | 2,218 |
| Net loans and leases to total assets | 77.9755% | 833 |
| Net loans and leases to deposits | 106.9560% | 294 |
| Net loans and leases to core deposits | 121.5243% | 384 |
| Total domestic deposits to total assets | 72.9043% | 4,643 |
| Equity capital to assets | 9.0789% | 4,053 |
| Core capital (leverage) ratio | 8.8252% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2251% | 2,523 |
| Memoranda: | ||
| Average total assets | $26,780,601,250 | 78 |
| Average earning assets | $25,447,518,750 | 75 |
| Average equity | $2,327,790,500 | 95 |
| Average total loans | $21,369,423,750 | 65 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9350% | 3,515 |
| Cost of funding earning assets | 1.1501% | 609 |
| Net interest margin | 2.7850% | 4,472 |
| Noninterest income to average assets | 0.1631% | 4,475 |
| Noninterest expense to average assets | 1.5457% | 4,820 |
| Loan and lease loss provision to assets | 0.4272% | 921 |
| Net operating income to assets | 0.6084% | 3,713 |
| Return on assets (ROA) | 0.6099% | 3,787 |
| Pretax return on assets | 0.8391% | 3,479 |
| Return on Equity (ROE) | 7.1210% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.1210% | 1,610 |
| Net charge-offs to loans | 0.1127% | 1,173 |
| Credit loss provision to net charge-offs | 468.1341% | 1,282 |
| Earnings coverage of net charge-offs (x) | 14.0199% | 1,965 |
| Efficiency ratio | 54.8250% | 4,082 |
| Assets per employee ($millions) | 15.0273% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,118 |
| Loan loss allowance to noncurrent loans | 213.5105% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 2,387 |
| Noncurrent loans to loans | 0.5983% | 2,352 |
| Net loans and leases to total assets | 77.7452% | 884 |
| Net loans and leases to deposits | 106.9770% | 295 |
| Net loans and leases to core deposits | 124.8224% | 334 |
| Total domestic deposits to total assets | 72.6747% | 4,674 |
| Equity capital to assets | 8.7079% | 4,345 |
| Core capital (leverage) ratio | 8.4720% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0253% | 2,596 |
| Memoranda: | ||
| Average total assets | $26,849,309,333 | 77 |
| Average earning assets | $25,519,235,000 | 76 |
| Average equity | $2,299,498,667 | 98 |
| Average total loans | $21,489,532,000 | 65 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 3,673 |
| Cost of funding earning assets | 1.3055% | 556 |
| Net interest margin | 2.7352% | 4,634 |
| Noninterest income to average assets | 0.1913% | 4,408 |
| Noninterest expense to average assets | 1.5814% | 4,869 |
| Loan and lease loss provision to assets | 0.4074% | 746 |
| Net operating income to assets | 0.5856% | 3,642 |
| Return on assets (ROA) | 0.5880% | 3,688 |
| Pretax return on assets | 0.8059% | 3,398 |
| Return on Equity (ROE) | 6.9251% | 2,982 |
| Retained earnings to average equity (ytd only) | 6.9251% | 1,565 |
| Net charge-offs to loans | 0.1492% | 860 |
| Credit loss provision to net charge-offs | 332.9848% | 1,109 |
| Earnings coverage of net charge-offs (x) | 10.0517% | 1,787 |
| Efficiency ratio | 56.4925% | 4,162 |
| Assets per employee ($millions) | 15.3276% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 2,986 |
| Loan loss allowance to noncurrent loans | 243.9114% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 2,891 |
| Noncurrent loans to loans | 0.4676% | 2,844 |
| Net loans and leases to total assets | 79.0769% | 814 |
| Net loans and leases to deposits | 113.8908% | 134 |
| Net loans and leases to core deposits | 134.3915% | 220 |
| Total domestic deposits to total assets | 69.4322% | 4,874 |
| Equity capital to assets | 8.4999% | 4,833 |
| Core capital (leverage) ratio | 8.4945% | 4,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6766% | 2,851 |
| Memoranda: | ||
| Average total assets | $26,689,305,500 | 75 |
| Average earning assets | $25,373,769,500 | 73 |
| Average equity | $2,266,306,000 | 100 |
| Average total loans | $21,536,223,000 | 64 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0972% | 4,046 |
| Cost of funding earning assets | 1.5160% | 378 |
| Net interest margin | 2.5812% | 4,923 |
| Noninterest income to average assets | 0.1980% | 4,475 |
| Noninterest expense to average assets | 1.5744% | 4,961 |
| Loan and lease loss provision to assets | -0.0037% | 4,914 |
| Net operating income to assets | 0.7442% | 3,722 |
| Return on assets (ROA) | 0.7278% | 3,844 |
| Pretax return on assets | 1.0645% | 3,286 |
| Return on Equity (ROE) | 7.4852% | 3,376 |
| Retained earnings to average equity (ytd only) | -18.5489% | 5,130 |
| Net charge-offs to loans | 0.0308% | 2,781 |
| Credit loss provision to net charge-offs | -14.9298% | 4,114 |
| Earnings coverage of net charge-offs (x) | 43.0576% | 1,245 |
| Efficiency ratio | 59.0653% | 3,832 |
| Assets per employee ($millions) | 15.1667% | 118 |
| Cash dividends to net income (ytd only)* | 347.8091% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 3,217 |
| Loan loss allowance to noncurrent loans | 236.2542% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3904% | 2,842 |
| Noncurrent loans to loans | 0.4442% | 2,852 |
| Net loans and leases to total assets | 80.5404% | 721 |
| Net loans and leases to deposits | 118.1991% | 90 |
| Net loans and leases to core deposits | 134.4375% | 226 |
| Total domestic deposits to total assets | 68.1396% | 4,988 |
| Equity capital to assets | 8.4830% | 4,916 |
| Core capital (leverage) ratio | 8.2193% | 4,968 |
| Tier 1 risk-based capital ratio | 11.0291% | 4,848 |
| Total risk-based capital ratio | 12.1788% | 4,790 |
| Memoranda: | ||
| Average total assets | $26,667,327,400 | 71 |
| Average earning assets | $25,392,838,400 | 69 |
| Average equity | $2,592,755,000 | 83 |
| Average total loans | $21,781,775,200 | 59 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 4,164 |
| Cost of funding earning assets | 1.5408% | 363 |
| Net interest margin | 2.5540% | 5,031 |
| Noninterest income to average assets | 0.1715% | 4,690 |
| Noninterest expense to average assets | 1.5677% | 5,030 |
| Loan and lease loss provision to assets | -0.0125% | 5,061 |
| Net operating income to assets | 0.7499% | 3,850 |
| Return on assets (ROA) | 0.7281% | 3,985 |
| Pretax return on assets | 1.0210% | 3,522 |
| Return on Equity (ROE) | 7.2566% | 3,591 |
| Retained earnings to average equity (ytd only) | -4.4586% | 5,041 |
| Net charge-offs to loans | 0.0326% | 2,418 |
| Credit loss provision to net charge-offs | -46.8779% | 4,014 |
| Earnings coverage of net charge-offs (x) | 38.8423% | 1,401 |
| Efficiency ratio | 59.9737% | 3,655 |
| Assets per employee ($millions) | 14.1610% | 142 |
| Cash dividends to net income (ytd only)* | 161.4410% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,309 |
| Loan loss allowance to noncurrent loans | 243.4489% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 3,000 |
| Noncurrent loans to loans | 0.4300% | 3,017 |
| Net loans and leases to total assets | 80.6518% | 752 |
| Net loans and leases to deposits | 119.9678% | 97 |
| Net loans and leases to core deposits | 138.8630% | 196 |
| Total domestic deposits to total assets | 67.2279% | 5,079 |
| Equity capital to assets | 9.9152% | 4,105 |
| Core capital (leverage) ratio | 9.6845% | 3,988 |
| Tier 1 risk-based capital ratio | 12.9534% | 3,875 |
| Total risk-based capital ratio | 14.1012% | 3,827 |
| Memoranda: | ||
| Average total assets | $26,657,023,500 | 72 |
| Average earning assets | $25,386,650,000 | 69 |
| Average equity | $2,674,521,250 | 80 |
| Average total loans | $21,792,397,000 | 60 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0604% | 4,257 |
| Cost of funding earning assets | 1.5229% | 351 |
| Net interest margin | 2.5375% | 5,108 |
| Noninterest income to average assets | 0.1551% | 4,801 |
| Noninterest expense to average assets | 1.5454% | 5,092 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7374% | 3,873 |
| Return on assets (ROA) | 0.7044% | 4,046 |
| Pretax return on assets | 0.9868% | 3,593 |
| Return on Equity (ROE) | 6.9935% | 3,684 |
| Retained earnings to average equity (ytd only) | -6.7978% | 5,115 |
| Net charge-offs to loans | 0.0356% | 2,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 35.3031% | 1,330 |
| Efficiency ratio | 59.8093% | 3,754 |
| Assets per employee ($millions) | 13.7996% | 137 |
| Cash dividends to net income (ytd only)* | 197.2029% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 3,321 |
| Loan loss allowance to noncurrent loans | 204.5101% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4451% | 2,741 |
| Noncurrent loans to loans | 0.5151% | 2,739 |
| Net loans and leases to total assets | 80.4687% | 811 |
| Net loans and leases to deposits | 121.5125% | 76 |
| Net loans and leases to core deposits | 144.2349% | 164 |
| Total domestic deposits to total assets | 66.2226% | 5,148 |
| Equity capital to assets | 9.7610% | 4,180 |
| Core capital (leverage) ratio | 9.7036% | 3,928 |
| Tier 1 risk-based capital ratio | 12.6877% | 4,021 |
| Total risk-based capital ratio | 13.8360% | 3,972 |
| Memoranda: | ||
| Average total assets | $26,635,427,000 | 71 |
| Average earning assets | $25,389,657,330 | 68 |
| Average equity | $2,682,852,670 | 79 |
| Average total loans | $21,796,662,670 | 59 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 4,218 |
| Cost of funding earning assets | 1.4837% | 344 |
| Net interest margin | 2.5837% | 5,147 |
| Noninterest income to average assets | 0.1458% | 4,866 |
| Noninterest expense to average assets | 1.5500% | 5,133 |
| Loan and lease loss provision to assets | 0.0454% | 2,740 |
| Net operating income to assets | 0.7246% | 3,858 |
| Return on assets (ROA) | 0.7253% | 3,905 |
| Pretax return on assets | 1.0163% | 3,393 |
| Return on Equity (ROE) | 7.0888% | 3,640 |
| Retained earnings to average equity (ytd only) | -11.4098% | 5,143 |
| Net charge-offs to loans | 0.0756% | 1,315 |
| Credit loss provision to net charge-offs | 73.1529% | 1,829 |
| Earnings coverage of net charge-offs (x) | 17.0822% | 1,674 |
| Efficiency ratio | 59.1378% | 3,933 |
| Assets per employee ($millions) | 13.8217% | 135 |
| Cash dividends to net income (ytd only)* | 260.9549% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,242 |
| Loan loss allowance to noncurrent loans | 196.3108% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 2,704 |
| Noncurrent loans to loans | 0.5498% | 2,671 |
| Net loans and leases to total assets | 80.9840% | 711 |
| Net loans and leases to deposits | 119.8676% | 87 |
| Net loans and leases to core deposits | 141.2385% | 178 |
| Total domestic deposits to total assets | 67.5612% | 5,182 |
| Equity capital to assets | 10.0357% | 3,793 |
| Core capital (leverage) ratio | 9.8516% | 3,764 |
| Tier 1 risk-based capital ratio | 12.8741% | 3,944 |
| Total risk-based capital ratio | 14.0471% | 3,879 |
| Memoranda: | ||
| Average total assets | $26,415,746,500 | 72 |
| Average earning assets | $25,202,742,000 | 70 |
| Average equity | $2,702,894,500 | 79 |
| Average total loans | $21,685,659,000 | 60 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 4,085 |
| Cost of funding earning assets | 1.1822% | 364 |
| Net interest margin | 2.7962% | 5,025 |
| Noninterest income to average assets | 0.1382% | 5,018 |
| Noninterest expense to average assets | 1.5859% | 5,173 |
| Loan and lease loss provision to assets | 0.0471% | 3,244 |
| Net operating income to assets | 0.8866% | 3,475 |
| Return on assets (ROA) | 0.7883% | 3,853 |
| Pretax return on assets | 1.0542% | 3,431 |
| Return on Equity (ROE) | 7.2450% | 3,751 |
| Retained earnings to average equity (ytd only) | -3.1793% | 5,185 |
| Net charge-offs to loans | 0.0344% | 2,714 |
| Credit loss provision to net charge-offs | 167.8087% | 1,657 |
| Earnings coverage of net charge-offs (x) | 43.7045% | 1,235 |
| Efficiency ratio | 56.1305% | 4,389 |
| Assets per employee ($millions) | 13.6236% | 132 |
| Cash dividends to net income (ytd only)* | 143.8827% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 3,165 |
| Loan loss allowance to noncurrent loans | 185.8020% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 2,551 |
| Noncurrent loans to loans | 0.5870% | 2,530 |
| Net loans and leases to total assets | 81.4246% | 744 |
| Net loans and leases to deposits | 119.7327% | 98 |
| Net loans and leases to core deposits | 140.4201% | 196 |
| Total domestic deposits to total assets | 68.0053% | 5,209 |
| Equity capital to assets | 10.4308% | 3,252 |
| Core capital (leverage) ratio | 10.2820% | 3,267 |
| Tier 1 risk-based capital ratio | 13.4064% | 3,602 |
| Total risk-based capital ratio | 14.5998% | 3,524 |
| Memoranda: | ||
| Average total assets | $25,497,988,600 | 71 |
| Average earning assets | $24,379,344,600 | 68 |
| Average equity | $2,774,298,400 | 75 |
| Average total loans | $20,810,793,000 | 59 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9424% | 4,100 |
| Cost of funding earning assets | 1.1199% | 364 |
| Net interest margin | 2.8225% | 5,065 |
| Noninterest income to average assets | 0.1315% | 5,101 |
| Noninterest expense to average assets | 1.5969% | 5,207 |
| Loan and lease loss provision to assets | 0.0448% | 3,096 |
| Net operating income to assets | 0.8818% | 3,617 |
| Return on assets (ROA) | 0.8857% | 3,601 |
| Pretax return on assets | 1.1923% | 3,016 |
| Return on Equity (ROE) | 8.0538% | 3,530 |
| Retained earnings to average equity (ytd only) | -3.2050% | 5,259 |
| Net charge-offs to loans | 0.0560% | 2,016 |
| Credit loss provision to net charge-offs | 98.2545% | 2,318 |
| Earnings coverage of net charge-offs (x) | 27.0341% | 1,715 |
| Efficiency ratio | 56.1638% | 4,366 |
| Assets per employee ($millions) | 13.0716% | 154 |
| Cash dividends to net income (ytd only)* | 139.7952% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,185 |
| Loan loss allowance to noncurrent loans | 216.9016% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 2,896 |
| Noncurrent loans to loans | 0.5075% | 2,862 |
| Net loans and leases to total assets | 81.3123% | 825 |
| Net loans and leases to deposits | 117.1133% | 136 |
| Net loans and leases to core deposits | 137.4222% | 231 |
| Total domestic deposits to total assets | 69.4305% | 5,242 |
| Equity capital to assets | 10.6875% | 2,945 |
| Core capital (leverage) ratio | 10.5124% | 3,069 |
| Tier 1 risk-based capital ratio | 13.5955% | 3,579 |
| Total risk-based capital ratio | 14.7730% | 3,527 |
| Memoranda: | ||
| Average total assets | $25,305,926,750 | 71 |
| Average earning assets | $24,185,899,000 | 68 |
| Average equity | $2,782,930,500 | 75 |
| Average total loans | $20,607,745,500 | 58 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9067% | 4,061 |
| Cost of funding earning assets | 1.0459% | 369 |
| Net interest margin | 2.8608% | 5,066 |
| Noninterest income to average assets | 0.1292% | 5,159 |
| Noninterest expense to average assets | 1.5946% | 5,270 |
| Loan and lease loss provision to assets | 0.0515% | 2,885 |
| Net operating income to assets | 0.9070% | 3,428 |
| Return on assets (ROA) | 0.9131% | 3,407 |
| Pretax return on assets | 1.2237% | 2,854 |
| Return on Equity (ROE) | 8.2248% | 3,409 |
| Retained earnings to average equity (ytd only) | 0.8801% | 4,785 |
| Net charge-offs to loans | 0.0647% | 1,697 |
| Credit loss provision to net charge-offs | 98.0244% | 2,086 |
| Earnings coverage of net charge-offs (x) | 24.1234% | 1,687 |
| Efficiency ratio | 55.4319% | 4,543 |
| Assets per employee ($millions) | 12.9103% | 153 |
| Cash dividends to net income (ytd only)* | 89.2989% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 3,198 |
| Loan loss allowance to noncurrent loans | 168.9833% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 2,551 |
| Noncurrent loans to loans | 0.6574% | 2,466 |
| Net loans and leases to total assets | 81.0391% | 851 |
| Net loans and leases to deposits | 119.4710% | 113 |
| Net loans and leases to core deposits | 140.9044% | 189 |
| Total domestic deposits to total assets | 67.8316% | 5,341 |
| Equity capital to assets | 11.0442% | 2,595 |
| Core capital (leverage) ratio | 10.9060% | 2,601 |
| Tier 1 risk-based capital ratio | 13.4200% | 3,662 |
| Total risk-based capital ratio | 14.5519% | 3,655 |
| Memoranda: | ||
| Average total assets | $25,240,354,330 | 71 |
| Average earning assets | $24,112,003,000 | 68 |
| Average equity | $2,802,040,670 | 76 |
| Average total loans | $20,487,789,000 | 58 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8598% | 4,051 |
| Cost of funding earning assets | 0.9811% | 404 |
| Net interest margin | 2.8787% | 5,065 |
| Noninterest income to average assets | 0.1170% | 5,265 |
| Noninterest expense to average assets | 1.5873% | 5,333 |
| Loan and lease loss provision to assets | 0.0397% | 2,960 |
| Net operating income to assets | 0.9222% | 3,193 |
| Return on assets (ROA) | 0.9211% | 3,214 |
| Pretax return on assets | 1.2403% | 2,595 |
| Return on Equity (ROE) | 8.2753% | 3,260 |
| Retained earnings to average equity (ytd only) | 1.8534% | 4,398 |
| Net charge-offs to loans | 0.0457% | 1,662 |
| Credit loss provision to net charge-offs | 107.5269% | 1,470 |
| Earnings coverage of net charge-offs (x) | 34.6989% | 1,152 |
| Efficiency ratio | 55.0462% | 4,689 |
| Assets per employee ($millions) | 13.2682% | 143 |
| Cash dividends to net income (ytd only)* | 77.6036% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 3,243 |
| Loan loss allowance to noncurrent loans | 166.9766% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5681% | 2,620 |
| Noncurrent loans to loans | 0.6724% | 2,537 |
| Net loans and leases to total assets | 80.7087% | 832 |
| Net loans and leases to deposits | 121.2018% | 102 |
| Net loans and leases to core deposits | 138.9874% | 226 |
| Total domestic deposits to total assets | 66.5903% | 5,452 |
| Equity capital to assets | 11.1205% | 2,460 |
| Core capital (leverage) ratio | 11.0875% | 2,342 |
| Tier 1 risk-based capital ratio | 13.5817% | 3,609 |
| Total risk-based capital ratio | 14.7252% | 3,585 |
| Memoranda: | ||
| Average total assets | $25,182,646,000 | 71 |
| Average earning assets | $24,071,349,500 | 68 |
| Average equity | $2,802,886,500 | 77 |
| Average total loans | $20,342,222,500 | 59 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 4,027 |
| Cost of funding earning assets | 0.8708% | 437 |
| Net interest margin | 2.9371% | 4,993 |
| Noninterest income to average assets | 0.1212% | 5,338 |
| Noninterest expense to average assets | 1.7118% | 5,327 |
| Loan and lease loss provision to assets | 0.0670% | 2,868 |
| Net operating income to assets | 0.5158% | 4,338 |
| Return on assets (ROA) | 0.5192% | 4,364 |
| Pretax return on assets | 1.1520% | 2,974 |
| Return on Equity (ROE) | 4.4579% | 4,361 |
| Retained earnings to average equity (ytd only) | -0.0754% | 5,037 |
| Net charge-offs to loans | 0.0695% | 2,459 |
| Credit loss provision to net charge-offs | 119.0127% | 2,204 |
| Earnings coverage of net charge-offs (x) | 21.5705% | 1,895 |
| Efficiency ratio | 58.1698% | 4,504 |
| Assets per employee ($millions) | 12.8343% | 151 |
| Cash dividends to net income (ytd only)* | 101.6915% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 3,067 |
| Loan loss allowance to noncurrent loans | 166.7345% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5742% | 2,632 |
| Noncurrent loans to loans | 0.6893% | 2,492 |
| Net loans and leases to total assets | 79.0110% | 1,119 |
| Net loans and leases to deposits | 112.4531% | 205 |
| Net loans and leases to core deposits | 127.8317% | 392 |
| Total domestic deposits to total assets | 70.2613% | 5,397 |
| Equity capital to assets | 11.1400% | 2,496 |
| Core capital (leverage) ratio | 10.9998% | 2,338 |
| Tier 1 risk-based capital ratio | 13.9416% | 3,392 |
| Total risk-based capital ratio | 15.1250% | 3,341 |
| Memoranda: | ||
| Average total assets | $24,265,493,600 | 68 |
| Average earning assets | $23,168,658,800 | 66 |
| Average equity | $2,825,972,000 | 73 |
| Average total loans | $19,651,867,200 | 58 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 4,054 |
| Cost of funding earning assets | 0.8494% | 455 |
| Net interest margin | 2.9374% | 5,041 |
| Noninterest income to average assets | 0.1260% | 5,371 |
| Noninterest expense to average assets | 1.6946% | 5,375 |
| Loan and lease loss provision to assets | 0.0652% | 2,771 |
| Net operating income to assets | 0.7262% | 3,840 |
| Return on assets (ROA) | 0.7308% | 3,890 |
| Pretax return on assets | 1.1762% | 2,999 |
| Return on Equity (ROE) | 6.2042% | 4,028 |
| Retained earnings to average equity (ytd only) | 2.1746% | 4,556 |
| Net charge-offs to loans | 0.0686% | 2,138 |
| Credit loss provision to net charge-offs | 116.8922% | 2,046 |
| Earnings coverage of net charge-offs (x) | 22.1451% | 1,880 |
| Efficiency ratio | 57.5076% | 4,564 |
| Assets per employee ($millions) | 12.5621% | 159 |
| Cash dividends to net income (ytd only)* | 64.9503% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,177 |
| Loan loss allowance to noncurrent loans | 176.7045% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 2,895 |
| Noncurrent loans to loans | 0.6526% | 2,755 |
| Net loans and leases to total assets | 79.5647% | 1,048 |
| Net loans and leases to deposits | 114.7860% | 171 |
| Net loans and leases to core deposits | 131.9481% | 311 |
| Total domestic deposits to total assets | 69.3157% | 5,497 |
| Equity capital to assets | 11.5021% | 2,370 |
| Core capital (leverage) ratio | 11.3772% | 2,120 |
| Tier 1 risk-based capital ratio | 14.2860% | 3,309 |
| Total risk-based capital ratio | 15.4695% | 3,244 |
| Memoranda: | ||
| Average total assets | $24,046,277,000 | 68 |
| Average earning assets | $22,944,968,000 | 66 |
| Average equity | $2,832,248,000 | 70 |
| Average total loans | $19,540,781,500 | 57 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 4,072 |
| Cost of funding earning assets | 0.8050% | 513 |
| Net interest margin | 2.9457% | 5,010 |
| Noninterest income to average assets | 0.1311% | 5,397 |
| Noninterest expense to average assets | 1.7094% | 5,405 |
| Loan and lease loss provision to assets | 0.0840% | 2,305 |
| Net operating income to assets | 0.7150% | 3,773 |
| Return on assets (ROA) | 0.7219% | 3,820 |
| Pretax return on assets | 1.1578% | 2,946 |
| Return on Equity (ROE) | 6.0795% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.0795% | 2,069 |
| Net charge-offs to loans | 0.0860% | 1,753 |
| Credit loss provision to net charge-offs | 119.8322% | 1,784 |
| Earnings coverage of net charge-offs (x) | 17.5554% | 1,918 |
| Efficiency ratio | 57.7768% | 4,623 |
| Assets per employee ($millions) | 12.5191% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 3,263 |
| Loan loss allowance to noncurrent loans | 126.4613% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 2,289 |
| Noncurrent loans to loans | 0.9156% | 2,138 |
| Net loans and leases to total assets | 80.7257% | 845 |
| Net loans and leases to deposits | 120.0810% | 97 |
| Net loans and leases to core deposits | 138.5373% | 198 |
| Total domestic deposits to total assets | 67.2261% | 5,613 |
| Equity capital to assets | 11.6614% | 2,181 |
| Core capital (leverage) ratio | 11.5722% | 1,923 |
| Tier 1 risk-based capital ratio | 14.1556% | 3,337 |
| Total risk-based capital ratio | 15.3335% | 3,300 |
| Memoranda: | ||
| Average total assets | $23,800,056,000 | 69 |
| Average earning assets | $22,698,811,670 | 67 |
| Average equity | $2,826,068,330 | 67 |
| Average total loans | $19,404,330,000 | 57 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 3,953 |
| Cost of funding earning assets | 0.7653% | 599 |
| Net interest margin | 2.9792% | 4,934 |
| Noninterest income to average assets | 0.1259% | 5,492 |
| Noninterest expense to average assets | 1.6680% | 5,503 |
| Loan and lease loss provision to assets | 0.0680% | 2,453 |
| Net operating income to assets | 0.7730% | 3,349 |
| Return on assets (ROA) | 0.7864% | 3,332 |
| Pretax return on assets | 1.2517% | 2,412 |
| Return on Equity (ROE) | 6.5618% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.5618% | 2,047 |
| Net charge-offs to loans | 0.0305% | 2,154 |
| Credit loss provision to net charge-offs | 273.7851% | 832 |
| Earnings coverage of net charge-offs (x) | 52.3114% | 874 |
| Efficiency ratio | 55.8635% | 4,951 |
| Assets per employee ($millions) | 12.6741% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 3,230 |
| Loan loss allowance to noncurrent loans | 255.9943% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 3,609 |
| Noncurrent loans to loans | 0.4625% | 3,438 |
| Net loans and leases to total assets | 80.6710% | 737 |
| Net loans and leases to deposits | 122.8542% | 72 |
| Net loans and leases to core deposits | 139.4902% | 176 |
| Total domestic deposits to total assets | 65.6640% | 5,721 |
| Equity capital to assets | 11.9256% | 1,894 |
| Core capital (leverage) ratio | 11.9445% | 1,668 |
| Tier 1 risk-based capital ratio | 14.5443% | 3,177 |
| Total risk-based capital ratio | 15.7548% | 3,135 |
| Memoranda: | ||
| Average total assets | $23,537,736,000 | 70 |
| Average earning assets | $22,445,029,000 | 65 |
| Average equity | $2,820,796,500 | 67 |
| Average total loans | $19,173,337,000 | 57 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 3,882 |
| Cost of funding earning assets | 0.7347% | 683 |
| Net interest margin | 3.0733% | 4,794 |
| Noninterest income to average assets | 0.1358% | 5,507 |
| Noninterest expense to average assets | 1.6165% | 5,637 |
| Loan and lease loss provision to assets | 0.0902% | 2,562 |
| Net operating income to assets | 0.8737% | 2,960 |
| Return on assets (ROA) | 0.8826% | 3,033 |
| Pretax return on assets | 1.3687% | 2,044 |
| Return on Equity (ROE) | 7.1239% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.1239% | 1,181 |
| Net charge-offs to loans | 0.0556% | 2,932 |
| Credit loss provision to net charge-offs | 199.8583% | 1,421 |
| Earnings coverage of net charge-offs (x) | 32.0337% | 1,372 |
| Efficiency ratio | 52.3711% | 5,352 |
| Assets per employee ($millions) | 12.6762% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 3,054 |
| Loan loss allowance to noncurrent loans | 234.0223% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 3,507 |
| Noncurrent loans to loans | 0.5179% | 3,296 |
| Net loans and leases to total assets | 80.2877% | 857 |
| Net loans and leases to deposits | 119.3901% | 95 |
| Net loans and leases to core deposits | 135.8901% | 217 |
| Total domestic deposits to total assets | 67.2482% | 5,736 |
| Equity capital to assets | 12.0445% | 1,770 |
| Core capital (leverage) ratio | 12.0333% | 1,577 |
| Tier 1 risk-based capital ratio | 14.7494% | 3,072 |
| Total risk-based capital ratio | 15.9868% | 3,025 |
| Memoranda: | ||
| Average total assets | $21,906,207,600 | 70 |
| Average earning assets | $20,855,064,000 | 67 |
| Average equity | $2,713,978,400 | 65 |
| Average total loans | $17,768,702,600 | 59 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8023% | 3,910 |
| Cost of funding earning assets | 0.7390% | 669 |
| Net interest margin | 3.0633% | 4,868 |
| Noninterest income to average assets | 0.1382% | 5,567 |
| Noninterest expense to average assets | 1.6424% | 5,655 |
| Loan and lease loss provision to assets | 0.0926% | 2,375 |
| Net operating income to assets | 0.8037% | 3,348 |
| Return on assets (ROA) | 0.8157% | 3,433 |
| Pretax return on assets | 1.3376% | 2,280 |
| Return on Equity (ROE) | 6.5353% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.5353% | 1,888 |
| Net charge-offs to loans | 0.0758% | 2,236 |
| Credit loss provision to net charge-offs | 150.6781% | 1,763 |
| Earnings coverage of net charge-offs (x) | 22.9559% | 1,729 |
| Efficiency ratio | 53.3369% | 5,282 |
| Assets per employee ($millions) | 12.6459% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 3,118 |
| Loan loss allowance to noncurrent loans | 220.8556% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 3,545 |
| Noncurrent loans to loans | 0.5525% | 3,339 |
| Net loans and leases to total assets | 80.3024% | 846 |
| Net loans and leases to deposits | 118.4059% | 128 |
| Net loans and leases to core deposits | 133.1745% | 259 |
| Total domestic deposits to total assets | 67.8195% | 5,770 |
| Equity capital to assets | 12.3140% | 1,887 |
| Core capital (leverage) ratio | 12.2511% | 1,512 |
| Tier 1 risk-based capital ratio | 15.0873% | 3,006 |
| Total risk-based capital ratio | 16.3323% | 2,950 |
| Memoranda: | ||
| Average total assets | $21,586,582,500 | 72 |
| Average earning assets | $20,546,479,750 | 69 |
| Average equity | $2,694,354,500 | 66 |
| Average total loans | $17,500,167,750 | 62 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8283% | 3,854 |
| Cost of funding earning assets | 0.7424% | 657 |
| Net interest margin | 3.0859% | 4,866 |
| Noninterest income to average assets | 0.1404% | 5,609 |
| Noninterest expense to average assets | 1.6523% | 5,720 |
| Loan and lease loss provision to assets | 0.0940% | 2,276 |
| Net operating income to assets | 0.8136% | 3,247 |
| Return on assets (ROA) | 0.8318% | 3,300 |
| Pretax return on assets | 1.3596% | 2,168 |
| Return on Equity (ROE) | 6.6327% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.6327% | 1,792 |
| Net charge-offs to loans | 0.0951% | 1,892 |
| Credit loss provision to net charge-offs | 122.1150% | 1,841 |
| Earnings coverage of net charge-offs (x) | 18.5090% | 1,818 |
| Efficiency ratio | 53.2353% | 5,368 |
| Assets per employee ($millions) | 12.1723% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 3,079 |
| Loan loss allowance to noncurrent loans | 216.1232% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 3,587 |
| Noncurrent loans to loans | 0.5776% | 3,332 |
| Net loans and leases to total assets | 80.2133% | 864 |
| Net loans and leases to deposits | 117.4779% | 130 |
| Net loans and leases to core deposits | 132.7225% | 266 |
| Total domestic deposits to total assets | 68.2795% | 5,836 |
| Equity capital to assets | 12.5174% | 1,758 |
| Core capital (leverage) ratio | 12.3329% | 1,437 |
| Tier 1 risk-based capital ratio | 15.3864% | 2,908 |
| Total risk-based capital ratio | 16.6368% | 2,841 |
| Memoranda: | ||
| Average total assets | $21,270,469,000 | 73 |
| Average earning assets | $20,244,190,670 | 70 |
| Average equity | $2,667,487,000 | 67 |
| Average total loans | $17,227,015,330 | 63 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8370% | 3,821 |
| Cost of funding earning assets | 0.7494% | 637 |
| Net interest margin | 3.0876% | 4,898 |
| Noninterest income to average assets | 0.1225% | 5,728 |
| Noninterest expense to average assets | 1.6320% | 5,807 |
| Loan and lease loss provision to assets | 0.0950% | 2,106 |
| Net operating income to assets | 0.8182% | 3,159 |
| Return on assets (ROA) | 0.8351% | 3,193 |
| Pretax return on assets | 1.3603% | 2,044 |
| Return on Equity (ROE) | 6.6523% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.6523% | 2,060 |
| Net charge-offs to loans | 0.1620% | 1,161 |
| Credit loss provision to net charge-offs | 72.5479% | 1,890 |
| Earnings coverage of net charge-offs (x) | 10.9066% | 1,896 |
| Efficiency ratio | 52.8577% | 5,465 |
| Assets per employee ($millions) | 12.1744% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 3,092 |
| Loan loss allowance to noncurrent loans | 201.9513% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 3,494 |
| Noncurrent loans to loans | 0.6256% | 3,298 |
| Net loans and leases to total assets | 79.8620% | 834 |
| Net loans and leases to deposits | 114.7672% | 140 |
| Net loans and leases to core deposits | 130.0812% | 269 |
| Total domestic deposits to total assets | 69.5861% | 5,881 |
| Equity capital to assets | 12.6047% | 1,618 |
| Core capital (leverage) ratio | 12.3653% | 1,400 |
| Tier 1 risk-based capital ratio | 15.7842% | 2,788 |
| Total risk-based capital ratio | 17.0350% | 2,724 |
| Memoranda: | ||
| Average total assets | $21,041,962,500 | 75 |
| Average earning assets | $20,024,898,500 | 71 |
| Average equity | $2,641,367,500 | 68 |
| Average total loans | $17,016,201,500 | 61 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8893% | 3,744 |
| Cost of funding earning assets | 0.7258% | 714 |
| Net interest margin | 3.1635% | 4,744 |
| Noninterest income to average assets | 0.1783% | 5,517 |
| Noninterest expense to average assets | 1.6381% | 5,889 |
| Loan and lease loss provision to assets | 0.1311% | 1,825 |
| Net operating income to assets | 0.9118% | 2,803 |
| Return on assets (ROA) | 0.9097% | 2,895 |
| Pretax return on assets | 1.4082% | 1,868 |
| Return on Equity (ROE) | 7.1862% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.1862% | 1,199 |
| Net charge-offs to loans | 0.0486% | 3,227 |
| Credit loss provision to net charge-offs | 334.2332% | 895 |
| Earnings coverage of net charge-offs (x) | 39.3171% | 1,197 |
| Efficiency ratio | 50.9703% | 5,708 |
| Assets per employee ($millions) | 12.0463% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 2,945 |
| Loan loss allowance to noncurrent loans | 185.9269% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5927% | 3,306 |
| Noncurrent loans to loans | 0.6959% | 3,109 |
| Net loans and leases to total assets | 79.8056% | 872 |
| Net loans and leases to deposits | 113.0073% | 182 |
| Net loans and leases to core deposits | 127.3934% | 307 |
| Total domestic deposits to total assets | 70.6199% | 5,868 |
| Equity capital to assets | 12.5002% | 1,625 |
| Core capital (leverage) ratio | 12.4100% | 1,397 |
| Tier 1 risk-based capital ratio | 15.8679% | 2,748 |
| Total risk-based capital ratio | 17.1192% | 2,687 |
| Memoranda: | ||
| Average total assets | $19,826,972,600 | 74 |
| Average earning assets | $18,817,788,000 | 71 |
| Average equity | $2,509,934,400 | 69 |
| Average total loans | $16,006,647,000 | 60 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 3,722 |
| Cost of funding earning assets | 0.7135% | 782 |
| Net interest margin | 3.1944% | 4,686 |
| Noninterest income to average assets | 0.1881% | 5,534 |
| Noninterest expense to average assets | 1.6377% | 5,954 |
| Loan and lease loss provision to assets | 0.1431% | 1,539 |
| Net operating income to assets | 0.9296% | 2,807 |
| Return on assets (ROA) | 0.9268% | 2,908 |
| Pretax return on assets | 1.4328% | 1,895 |
| Return on Equity (ROE) | 7.2964% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.2964% | 1,549 |
| Net charge-offs to loans | 0.0239% | 3,461 |
| Credit loss provision to net charge-offs | 743.0998% | 465 |
| Earnings coverage of net charge-offs (x) | 82.0470% | 730 |
| Efficiency ratio | 50.3509% | 5,758 |
| Assets per employee ($millions) | 11.4956% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 2,937 |
| Loan loss allowance to noncurrent loans | 167.9542% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 3,237 |
| Noncurrent loans to loans | 0.7943% | 2,974 |
| Net loans and leases to total assets | 79.5008% | 884 |
| Net loans and leases to deposits | 114.1871% | 166 |
| Net loans and leases to core deposits | 128.7111% | 297 |
| Total domestic deposits to total assets | 69.6233% | 5,989 |
| Equity capital to assets | 12.6322% | 1,668 |
| Core capital (leverage) ratio | 12.5705% | 1,373 |
| Tier 1 risk-based capital ratio | 16.0826% | 2,759 |
| Total risk-based capital ratio | 17.3345% | 2,715 |
| Memoranda: | ||
| Average total assets | $19,561,651,500 | 74 |
| Average earning assets | $18,554,453,750 | 71 |
| Average equity | $2,484,648,000 | 70 |
| Average total loans | $15,786,184,000 | 60 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9009% | 3,686 |
| Cost of funding earning assets | 0.6959% | 861 |
| Net interest margin | 3.2051% | 4,648 |
| Noninterest income to average assets | 0.1890% | 5,560 |
| Noninterest expense to average assets | 1.6090% | 6,043 |
| Loan and lease loss provision to assets | 0.1657% | 1,271 |
| Net operating income to assets | 0.9137% | 2,805 |
| Return on assets (ROA) | 0.9137% | 2,935 |
| Pretax return on assets | 1.4523% | 1,793 |
| Return on Equity (ROE) | 7.1799% | 3,502 |
| Retained earnings to average equity (ytd only) | 7.1799% | 1,627 |
| Net charge-offs to loans | 0.0298% | 3,069 |
| Credit loss provision to net charge-offs | 689.0612% | 490 |
| Earnings coverage of net charge-offs (x) | 67.2717% | 787 |
| Efficiency ratio | 49.3105% | 5,885 |
| Assets per employee ($millions) | 10.9785% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 3,062 |
| Loan loss allowance to noncurrent loans | 191.6141% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6063% | 3,601 |
| Noncurrent loans to loans | 0.6956% | 3,406 |
| Net loans and leases to total assets | 79.4417% | 877 |
| Net loans and leases to deposits | 115.3855% | 153 |
| Net loans and leases to core deposits | 129.3145% | 281 |
| Total domestic deposits to total assets | 68.8489% | 6,082 |
| Equity capital to assets | 12.5543% | 1,631 |
| Core capital (leverage) ratio | 12.4861% | 1,390 |
| Tier 1 risk-based capital ratio | 16.3257% | 2,699 |
| Total risk-based capital ratio | 17.5779% | 2,656 |
| Memoranda: | ||
| Average total assets | $19,307,466,000 | 75 |
| Average earning assets | $18,300,992,670 | 72 |
| Average equity | $2,457,062,670 | 72 |
| Average total loans | $15,589,453,330 | 60 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 3,649 |
| Cost of funding earning assets | 0.6822% | 936 |
| Net interest margin | 3.2122% | 4,561 |
| Noninterest income to average assets | 0.1630% | 5,758 |
| Noninterest expense to average assets | 1.6061% | 6,108 |
| Loan and lease loss provision to assets | 0.1895% | 991 |
| Net operating income to assets | 0.8834% | 2,828 |
| Return on assets (ROA) | 0.8834% | 2,952 |
| Pretax return on assets | 1.4124% | 1,848 |
| Return on Equity (ROE) | 6.8930% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.8930% | 2,056 |
| Net charge-offs to loans | 0.0287% | 2,607 |
| Credit loss provision to net charge-offs | 815.9565% | 385 |
| Earnings coverage of net charge-offs (x) | 68.9610% | 653 |
| Efficiency ratio | 49.5014% | 5,947 |
| Assets per employee ($millions) | 11.3152% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 3,233 |
| Loan loss allowance to noncurrent loans | 176.4769% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 3,523 |
| Noncurrent loans to loans | 0.7552% | 3,368 |
| Net loans and leases to total assets | 79.9310% | 693 |
| Net loans and leases to deposits | 114.8534% | 148 |
| Net loans and leases to core deposits | 122.8921% | 355 |
| Total domestic deposits to total assets | 69.5939% | 6,149 |
| Equity capital to assets | 12.7518% | 1,540 |
| Core capital (leverage) ratio | 12.7196% | 1,267 |
| Tier 1 risk-based capital ratio | 16.6423% | 2,614 |
| Total risk-based capital ratio | 17.8948% | 2,572 |
| Memoranda: | ||
| Average total assets | $18,992,760,500 | 76 |
| Average earning assets | $18,004,213,500 | 73 |
| Average equity | $2,434,124,500 | 72 |
| Average total loans | $15,358,105,000 | 62 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0908% | 3,360 |
| Cost of funding earning assets | 0.7407% | 891 |
| Net interest margin | 3.3501% | 4,402 |
| Noninterest income to average assets | 0.2157% | 5,566 |
| Noninterest expense to average assets | 1.9080% | 5,924 |
| Loan and lease loss provision to assets | 0.2186% | 1,127 |
| Net operating income to assets | 0.7968% | 3,387 |
| Return on assets (ROA) | 0.8020% | 3,458 |
| Pretax return on assets | 1.2592% | 2,400 |
| Return on Equity (ROE) | 7.1279% | 3,560 |
| Retained earnings to average equity (ytd only) | 7.1279% | 1,342 |
| Net charge-offs to loans | 0.0795% | 3,354 |
| Credit loss provision to net charge-offs | 336.5039% | 780 |
| Earnings coverage of net charge-offs (x) | 22.6220% | 1,620 |
| Efficiency ratio | 55.8307% | 5,681 |
| Assets per employee ($millions) | 11.1204% | 181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 3,285 |
| Loan loss allowance to noncurrent loans | 171.5421% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 3,578 |
| Noncurrent loans to loans | 0.7734% | 3,380 |
| Net loans and leases to total assets | 79.6399% | 787 |
| Net loans and leases to deposits | 112.2478% | 188 |
| Net loans and leases to core deposits | 118.9238% | 438 |
| Total domestic deposits to total assets | 70.9501% | 6,148 |
| Equity capital to assets | 12.8823% | 1,423 |
| Core capital (leverage) ratio | 12.7866% | 1,215 |
| Tier 1 risk-based capital ratio | 17.0009% | 2,516 |
| Total risk-based capital ratio | 18.2534% | 2,469 |
| Memoranda: | ||
| Average total assets | $17,153,168,800 | 79 |
| Average earning assets | $16,190,074,200 | 75 |
| Average equity | $1,930,118,200 | 80 |
| Average total loans | $14,014,219,800 | 62 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 3,186 |
| Cost of funding earning assets | 0.7443% | 919 |
| Net interest margin | 3.4018% | 4,236 |
| Noninterest income to average assets | 0.2279% | 5,563 |
| Noninterest expense to average assets | 2.0237% | 5,730 |
| Loan and lease loss provision to assets | 0.2068% | 1,130 |
| Net operating income to assets | 0.7536% | 3,654 |
| Return on assets (ROA) | 0.7563% | 3,733 |
| Pretax return on assets | 1.2088% | 2,741 |
| Return on Equity (ROE) | 7.0044% | 3,710 |
| Retained earnings to average equity (ytd only) | 7.0044% | 1,822 |
| Net charge-offs to loans | 0.0858% | 2,983 |
| Credit loss provision to net charge-offs | 293.9846% | 922 |
| Earnings coverage of net charge-offs (x) | 20.0672% | 1,754 |
| Efficiency ratio | 58.2433% | 5,415 |
| Assets per employee ($millions) | 10.8961% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 3,498 |
| Loan loss allowance to noncurrent loans | 153.1441% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 3,612 |
| Noncurrent loans to loans | 0.8682% | 3,396 |
| Net loans and leases to total assets | 79.8419% | 732 |
| Net loans and leases to deposits | 112.5365% | 173 |
| Net loans and leases to core deposits | 118.1557% | 431 |
| Total domestic deposits to total assets | 70.9475% | 6,236 |
| Equity capital to assets | 13.3313% | 1,266 |
| Core capital (leverage) ratio | 13.1336% | 1,125 |
| Tier 1 risk-based capital ratio | 17.7378% | 2,298 |
| Total risk-based capital ratio | 18.9906% | 2,260 |
| Memoranda: | ||
| Average total assets | $16,765,352,750 | 80 |
| Average earning assets | $15,806,070,750 | 77 |
| Average equity | $1,810,258,500 | 82 |
| Average total loans | $13,743,657,500 | 62 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 3,003 |
| Cost of funding earning assets | 0.7611% | 877 |
| Net interest margin | 3.4248% | 4,085 |
| Noninterest income to average assets | 0.2402% | 5,475 |
| Noninterest expense to average assets | 2.1684% | 5,486 |
| Loan and lease loss provision to assets | 0.2069% | 1,152 |
| Net operating income to assets | 0.6814% | 3,934 |
| Return on assets (ROA) | 0.6854% | 4,013 |
| Pretax return on assets | 1.0960% | 3,119 |
| Return on Equity (ROE) | 6.9341% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.9341% | 1,801 |
| Net charge-offs to loans | 0.0718% | 2,988 |
| Credit loss provision to net charge-offs | 349.9382% | 764 |
| Earnings coverage of net charge-offs (x) | 21.9302% | 1,526 |
| Efficiency ratio | 61.9009% | 5,029 |
| Assets per employee ($millions) | 10.7285% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 3,665 |
| Loan loss allowance to noncurrent loans | 171.3273% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.6715% | 3,980 |
| Noncurrent loans to loans | 0.7793% | 3,748 |
| Net loans and leases to total assets | 79.1678% | 781 |
| Net loans and leases to deposits | 111.1633% | 181 |
| Net loans and leases to core deposits | 115.9023% | 475 |
| Total domestic deposits to total assets | 71.2175% | 6,305 |
| Equity capital to assets | 13.4054% | 1,194 |
| Core capital (leverage) ratio | 13.2223% | 1,075 |
| Tier 1 risk-based capital ratio | 18.1367% | 2,190 |
| Total risk-based capital ratio | 19.3897% | 2,162 |
| Memoranda: | ||
| Average total assets | $16,433,570,670 | 80 |
| Average earning assets | $15,473,874,330 | 76 |
| Average equity | $1,624,432,000 | 90 |
| Average total loans | $13,534,357,330 | 63 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2476% | 2,696 |
| Cost of funding earning assets | 0.7845% | 810 |
| Net interest margin | 3.4631% | 3,849 |
| Noninterest income to average assets | 0.2713% | 5,199 |
| Noninterest expense to average assets | 1.9173% | 6,038 |
| Loan and lease loss provision to assets | 0.2255% | 993 |
| Net operating income to assets | 0.8665% | 2,816 |
| Return on assets (ROA) | 0.8711% | 2,855 |
| Pretax return on assets | 1.3899% | 1,786 |
| Return on Equity (ROE) | 10.9306% | 1,708 |
| Retained earnings to average equity (ytd only) | 10.9306% | 757 |
| Net charge-offs to loans | 0.0667% | 2,484 |
| Credit loss provision to net charge-offs | 405.0405% | 646 |
| Earnings coverage of net charge-offs (x) | 28.8866% | 1,073 |
| Efficiency ratio | 53.6954% | 6,038 |
| Assets per employee ($millions) | 10.0856% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 3,968 |
| Loan loss allowance to noncurrent loans | 184.9998% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 4,175 |
| Noncurrent loans to loans | 0.7181% | 4,072 |
| Net loans and leases to total assets | 82.0980% | 350 |
| Net loans and leases to deposits | 116.8628% | 92 |
| Net loans and leases to core deposits | 123.8436% | 265 |
| Total domestic deposits to total assets | 70.2516% | 6,443 |
| Equity capital to assets | 7.9588% | 6,089 |
| Core capital (leverage) ratio | 7.6763% | 6,275 |
| Tier 1 risk-based capital ratio | 10.2507% | 6,407 |
| Total risk-based capital ratio | 11.5039% | 6,365 |
| Memoranda: | ||
| Average total assets | $15,965,670,000 | 83 |
| Average earning assets | $15,002,179,000 | 77 |
| Average equity | $1,272,428,000 | 109 |
| Average total loans | $13,333,028,000 | 64 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2680% | 3,076 |
| Cost of funding earning assets | 0.8596% | 911 |
| Net interest margin | 3.4085% | 4,243 |
| Noninterest income to average assets | 0.2520% | 5,542 |
| Noninterest expense to average assets | 1.7916% | 6,331 |
| Loan and lease loss provision to assets | 0.3707% | 839 |
| Net operating income to assets | 0.8269% | 3,148 |
| Return on assets (ROA) | 0.8255% | 3,245 |
| Pretax return on assets | 1.2918% | 2,193 |
| Return on Equity (ROE) | 10.5838% | 1,897 |
| Retained earnings to average equity (ytd only) | 9.6428% | 637 |
| Net charge-offs to loans | 0.1650% | 3,160 |
| Credit loss provision to net charge-offs | 269.4195% | 839 |
| Earnings coverage of net charge-offs (x) | 12.0992% | 2,164 |
| Efficiency ratio | 51.3888% | 6,343 |
| Assets per employee ($millions) | 10.1120% | 220 |
| Cash dividends to net income (ytd only)* | 8.8911% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 3,971 |
| Loan loss allowance to noncurrent loans | 173.3024% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.6987% | 4,156 |
| Noncurrent loans to loans | 0.7683% | 4,045 |
| Net loans and leases to total assets | 82.7168% | 346 |
| Net loans and leases to deposits | 119.4093% | 71 |
| Net loans and leases to core deposits | 126.6019% | 232 |
| Total domestic deposits to total assets | 69.2717% | 6,549 |
| Equity capital to assets | 7.9813% | 6,033 |
| Core capital (leverage) ratio | 8.1985% | 5,976 |
| Tier 1 risk-based capital ratio | 10.1405% | 6,477 |
| Total risk-based capital ratio | 11.3936% | 6,432 |
| Memoranda: | ||
| Average total assets | $13,624,291,000 | 89 |
| Average earning assets | $12,807,783,800 | 86 |
| Average equity | $1,062,681,800 | 122 |
| Average total loans | $11,360,760,800 | 71 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3227% | 2,895 |
| Cost of funding earning assets | 0.8883% | 865 |
| Net interest margin | 3.4344% | 4,148 |
| Noninterest income to average assets | 0.2690% | 5,530 |
| Noninterest expense to average assets | 1.7543% | 6,405 |
| Loan and lease loss provision to assets | 0.4187% | 704 |
| Net operating income to assets | 0.8538% | 3,082 |
| Return on assets (ROA) | 0.8582% | 3,165 |
| Pretax return on assets | 1.3320% | 2,205 |
| Return on Equity (ROE) | 11.0791% | 1,788 |
| Retained earnings to average equity (ytd only) | 10.4239% | 706 |
| Net charge-offs to loans | 0.2029% | 2,609 |
| Credit loss provision to net charge-offs | 247.8519% | 995 |
| Earnings coverage of net charge-offs (x) | 10.3219% | 2,375 |
| Efficiency ratio | 49.6795% | 6,414 |
| Assets per employee ($millions) | 10.7129% | 192 |
| Cash dividends to net income (ytd only)* | 5.9141% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4442% | 3,712 |
| Loan loss allowance to noncurrent loans | 152.1831% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 4,029 |
| Noncurrent loans to loans | 0.9490% | 3,918 |
| Net loans and leases to total assets | 82.8085% | 305 |
| Net loans and leases to deposits | 130.5070% | 36 |
| Net loans and leases to core deposits | 138.7712% | 128 |
| Total domestic deposits to total assets | 63.4514% | 6,760 |
| Equity capital to assets | 7.6526% | 6,328 |
| Core capital (leverage) ratio | 7.3300% | 6,502 |
| Tier 1 risk-based capital ratio | 9.8244% | 6,632 |
| Total risk-based capital ratio | 11.0794% | 6,612 |
| Memoranda: | ||
| Average total assets | $13,134,724,750 | 91 |
| Average earning assets | $12,349,568,000 | 88 |
| Average equity | $1,017,431,250 | 126 |
| Average total loans | $10,935,119,500 | 72 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3162% | 2,882 |
| Cost of funding earning assets | 0.9093% | 854 |
| Net interest margin | 3.4069% | 4,166 |
| Noninterest income to average assets | 0.2752% | 5,481 |
| Noninterest expense to average assets | 1.7371% | 6,459 |
| Loan and lease loss provision to assets | 0.4253% | 707 |
| Net operating income to assets | 0.8482% | 3,054 |
| Return on assets (ROA) | 0.8550% | 3,165 |
| Pretax return on assets | 1.3287% | 2,199 |
| Return on Equity (ROE) | 10.9902% | 1,810 |
| Retained earnings to average equity (ytd only) | 9.9962% | 841 |
| Net charge-offs to loans | 0.2834% | 2,065 |
| Credit loss provision to net charge-offs | 180.8616% | 1,315 |
| Earnings coverage of net charge-offs (x) | 7.4139% | 2,550 |
| Efficiency ratio | 49.4246% | 6,461 |
| Assets per employee ($millions) | 10.7629% | 181 |
| Cash dividends to net income (ytd only)* | 9.0450% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 4,065 |
| Loan loss allowance to noncurrent loans | 134.9045% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.9016% | 3,984 |
| Noncurrent loans to loans | 1.0328% | 3,869 |
| Net loans and leases to total assets | 82.1807% | 346 |
| Net loans and leases to deposits | 125.1246% | 55 |
| Net loans and leases to core deposits | 133.0865% | 165 |
| Total domestic deposits to total assets | 65.6791% | 6,767 |
| Equity capital to assets | 7.6644% | 6,383 |
| Core capital (leverage) ratio | 7.3961% | 6,494 |
| Tier 1 risk-based capital ratio | 9.9234% | 6,650 |
| Total risk-based capital ratio | 11.1777% | 6,629 |
| Memoranda: | ||
| Average total assets | $12,931,409,670 | 95 |
| Average earning assets | $12,166,748,000 | 88 |
| Average equity | $1,005,966,000 | 127 |
| Average total loans | $10,730,650,000 | 72 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 2,778 |
| Cost of funding earning assets | 0.9221% | 885 |
| Net interest margin | 3.4046% | 4,097 |
| Noninterest income to average assets | 0.2830% | 5,438 |
| Noninterest expense to average assets | 1.7496% | 6,503 |
| Loan and lease loss provision to assets | 0.4315% | 687 |
| Net operating income to assets | 0.8401% | 2,949 |
| Return on assets (ROA) | 0.8539% | 3,020 |
| Pretax return on assets | 1.3281% | 2,131 |
| Return on Equity (ROE) | 10.8924% | 1,741 |
| Retained earnings to average equity (ytd only) | 10.8924% | 901 |
| Net charge-offs to loans | 0.2381% | 2,021 |
| Credit loss provision to net charge-offs | 218.8793% | 1,019 |
| Earnings coverage of net charge-offs (x) | 8.8163% | 1,909 |
| Efficiency ratio | 49.6716% | 6,522 |
| Assets per employee ($millions) | 10.7080% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 4,189 |
| Loan loss allowance to noncurrent loans | 108.1753% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.1397% | 3,663 |
| Noncurrent loans to loans | 1.3016% | 3,610 |
| Net loans and leases to total assets | 81.8186% | 289 |
| Net loans and leases to deposits | 118.4077% | 77 |
| Net loans and leases to core deposits | 125.7475% | 206 |
| Total domestic deposits to total assets | 69.0991% | 6,781 |
| Equity capital to assets | 7.8920% | 6,436 |
| Core capital (leverage) ratio | 7.4109% | 6,502 |
| Tier 1 risk-based capital ratio | 10.1059% | 6,672 |
| Total risk-based capital ratio | 11.3605% | 6,661 |
| Memoranda: | ||
| Average total assets | $12,745,662,000 | 99 |
| Average earning assets | $11,997,686,500 | 90 |
| Average equity | $999,154,000 | 131 |
| Average total loans | $10,552,528,500 | 70 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 2,948 |
| Cost of funding earning assets | 1.1485% | 740 |
| Net interest margin | 3.4645% | 4,648 |
| Noninterest income to average assets | 0.3446% | 5,003 |
| Noninterest expense to average assets | 1.7842% | 6,642 |
| Loan and lease loss provision to assets | 0.5654% | 1,004 |
| Net operating income to assets | 0.7719% | 3,409 |
| Return on assets (ROA) | 0.7737% | 3,648 |
| Pretax return on assets | 1.2624% | 2,555 |
| Return on Equity (ROE) | 9.4995% | 2,405 |
| Retained earnings to average equity (ytd only) | -4.9188% | 6,419 |
| Net charge-offs to loans | 0.4230% | 2,544 |
| Credit loss provision to net charge-offs | 162.2161% | 1,657 |
| Earnings coverage of net charge-offs (x) | 5.2364% | 3,097 |
| Efficiency ratio | 49.0639% | 6,647 |
| Assets per employee ($millions) | 10.6324% | 192 |
| Cash dividends to net income (ytd only)* | 151.7792% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 4,370 |
| Loan loss allowance to noncurrent loans | 117.1210% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 3,996 |
| Noncurrent loans to loans | 1.1586% | 3,915 |
| Net loans and leases to total assets | 81.4765% | 364 |
| Net loans and leases to deposits | 116.9985% | 89 |
| Net loans and leases to core deposits | 123.1170% | 246 |
| Total domestic deposits to total assets | 69.6389% | 6,798 |
| Equity capital to assets | 7.7858% | 6,510 |
| Core capital (leverage) ratio | 7.5852% | 6,453 |
| Tier 1 risk-based capital ratio | 9.9814% | 6,710 |
| Total risk-based capital ratio | 11.2353% | 6,673 |
| Memoranda: | ||
| Average total assets | $11,496,779,000 | 103 |
| Average earning assets | $10,833,662,800 | 97 |
| Average equity | $936,311,000 | 135 |
| Average total loans | $9,473,573,800 | 79 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6617% | 2,957 |
| Cost of funding earning assets | 1.2080% | 670 |
| Net interest margin | 3.4537% | 4,833 |
| Noninterest income to average assets | 0.3573% | 4,965 |
| Noninterest expense to average assets | 1.7432% | 6,747 |
| Loan and lease loss provision to assets | 0.5714% | 1,006 |
| Net operating income to assets | 0.8007% | 3,452 |
| Return on assets (ROA) | 0.8032% | 3,682 |
| Pretax return on assets | 1.3027% | 2,601 |
| Return on Equity (ROE) | 9.7406% | 2,477 |
| Retained earnings to average equity (ytd only) | 9.7406% | 984 |
| Net charge-offs to loans | 0.4912% | 2,142 |
| Credit loss provision to net charge-offs | 141.2762% | 2,040 |
| Earnings coverage of net charge-offs (x) | 4.6241% | 3,251 |
| Efficiency ratio | 47.8927% | 6,724 |
| Assets per employee ($millions) | 10.8086% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 4,432 |
| Loan loss allowance to noncurrent loans | 108.7891% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.1284% | 4,034 |
| Noncurrent loans to loans | 1.2754% | 3,914 |
| Net loans and leases to total assets | 81.5848% | 380 |
| Net loans and leases to deposits | 117.1046% | 88 |
| Net loans and leases to core deposits | 123.2670% | 261 |
| Total domestic deposits to total assets | 69.6683% | 6,861 |
| Equity capital to assets | 8.4475% | 6,309 |
| Core capital (leverage) ratio | 8.1450% | 6,191 |
| Tier 1 risk-based capital ratio | 11.6090% | 6,166 |
| Total risk-based capital ratio | 12.8639% | 6,134 |
| Memoranda: | ||
| Average total assets | $11,199,847,000 | 105 |
| Average earning assets | $10,559,531,750 | 98 |
| Average equity | $923,489,750 | 135 |
| Average total loans | $9,222,701,500 | 81 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 2,904 |
| Cost of funding earning assets | 1.2486% | 653 |
| Net interest margin | 3.4537% | 4,863 |
| Noninterest income to average assets | 0.3327% | 5,166 |
| Noninterest expense to average assets | 1.7732% | 6,780 |
| Loan and lease loss provision to assets | 0.5755% | 1,054 |
| Net operating income to assets | 0.7719% | 3,505 |
| Return on assets (ROA) | 0.7728% | 3,776 |
| Pretax return on assets | 1.2407% | 2,761 |
| Return on Equity (ROE) | 9.4513% | 2,594 |
| Retained earnings to average equity (ytd only) | 9.4513% | 1,129 |
| Net charge-offs to loans | 0.4543% | 2,241 |
| Credit loss provision to net charge-offs | 154.0832% | 1,800 |
| Earnings coverage of net charge-offs (x) | 4.8594% | 2,970 |
| Efficiency ratio | 49.0608% | 6,707 |
| Assets per employee ($millions) | 11.0623% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3757% | 4,550 |
| Loan loss allowance to noncurrent loans | 86.5780% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 3,700 |
| Noncurrent loans to loans | 1.5889% | 3,526 |
| Net loans and leases to total assets | 80.4444% | 459 |
| Net loans and leases to deposits | 115.5524% | 93 |
| Net loans and leases to core deposits | 121.9336% | 280 |
| Total domestic deposits to total assets | 69.6173% | 6,922 |
| Equity capital to assets | 8.1824% | 6,471 |
| Core capital (leverage) ratio | 8.0651% | 6,200 |
| Tier 1 risk-based capital ratio | 11.4741% | 6,232 |
| Total risk-based capital ratio | 12.7290% | 6,208 |
| Memoranda: | ||
| Average total assets | $11,121,308,330 | 104 |
| Average earning assets | $10,482,483,670 | 98 |
| Average equity | $909,317,000 | 136 |
| Average total loans | $9,143,314,670 | 83 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7472% | 2,855 |
| Cost of funding earning assets | 1.3068% | 616 |
| Net interest margin | 3.4405% | 4,953 |
| Noninterest income to average assets | 0.3237% | 5,280 |
| Noninterest expense to average assets | 1.9742% | 6,516 |
| Loan and lease loss provision to assets | 0.4746% | 1,287 |
| Net operating income to assets | 0.6933% | 3,919 |
| Return on assets (ROA) | 0.6933% | 4,138 |
| Pretax return on assets | 1.1213% | 3,236 |
| Return on Equity (ROE) | 8.4824% | 3,068 |
| Retained earnings to average equity (ytd only) | 8.4824% | 1,787 |
| Net charge-offs to loans | 0.2974% | 2,472 |
| Credit loss provision to net charge-offs | 193.2798% | 1,371 |
| Earnings coverage of net charge-offs (x) | 6.4997% | 2,198 |
| Efficiency ratio | 54.9282% | 6,235 |
| Assets per employee ($millions) | 10.9334% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 4,810 |
| Loan loss allowance to noncurrent loans | 82.5256% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.3791% | 3,808 |
| Noncurrent loans to loans | 1.6335% | 3,657 |
| Net loans and leases to total assets | 80.4206% | 371 |
| Net loans and leases to deposits | 115.0603% | 96 |
| Net loans and leases to core deposits | 121.4794% | 288 |
| Total domestic deposits to total assets | 69.8943% | 6,984 |
| Equity capital to assets | 8.0835% | 6,456 |
| Core capital (leverage) ratio | 8.0254% | 6,234 |
| Tier 1 risk-based capital ratio | 11.4632% | 6,303 |
| Total risk-based capital ratio | 12.7178% | 6,282 |
| Memoranda: | ||
| Average total assets | $10,957,212,500 | 103 |
| Average earning assets | $10,338,986,500 | 98 |
| Average equity | $895,551,500 | 135 |
| Average total loans | $9,045,492,000 | 84 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9437% | 3,138 |
| Cost of funding earning assets | 1.5158% | 672 |
| Net interest margin | 3.4279% | 5,396 |
| Noninterest income to average assets | 0.2533% | 5,714 |
| Noninterest expense to average assets | 1.5232% | 7,155 |
| Loan and lease loss provision to assets | 0.7441% | 1,359 |
| Net operating income to assets | 0.7773% | 3,146 |
| Return on assets (ROA) | 0.7751% | 3,317 |
| Pretax return on assets | 1.2297% | 2,353 |
| Return on Equity (ROE) | 9.2174% | 2,358 |
| Retained earnings to average equity (ytd only) | 5.7011% | 2,174 |
| Net charge-offs to loans | 0.5752% | 2,725 |
| Credit loss provision to net charge-offs | 153.4896% | 1,832 |
| Earnings coverage of net charge-offs (x) | 4.0786% | 3,275 |
| Efficiency ratio | 43.0899% | 7,147 |
| Assets per employee ($millions) | 11.1313% | 174 |
| Cash dividends to net income (ytd only)* | 38.1485% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,846 |
| Loan loss allowance to noncurrent loans | 82.4440% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 3,966 |
| Noncurrent loans to loans | 1.5927% | 3,773 |
| Net loans and leases to total assets | 82.5425% | 304 |
| Net loans and leases to deposits | 118.7563% | 91 |
| Net loans and leases to core deposits | 122.9360% | 309 |
| Total domestic deposits to total assets | 69.5058% | 7,010 |
| Equity capital to assets | 8.2676% | 6,376 |
| Core capital (leverage) ratio | 8.2135% | 5,969 |
| Tier 1 risk-based capital ratio | 11.6543% | 6,057 |
| Total risk-based capital ratio | 12.9085% | 6,039 |
| Memoranda: | ||
| Average total assets | $10,146,241,400 | 104 |
| Average earning assets | $9,611,355,200 | 99 |
| Average equity | $853,169,000 | 133 |
| Average total loans | $8,550,973,400 | 83 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9715% | 3,234 |
| Cost of funding earning assets | 1.5380% | 747 |
| Net interest margin | 3.4335% | 5,449 |
| Noninterest income to average assets | 0.2391% | 5,914 |
| Noninterest expense to average assets | 1.5351% | 7,202 |
| Loan and lease loss provision to assets | 0.7389% | 1,295 |
| Net operating income to assets | 0.7702% | 3,300 |
| Return on assets (ROA) | 0.7672% | 3,471 |
| Pretax return on assets | 1.2146% | 2,579 |
| Return on Equity (ROE) | 9.0835% | 2,559 |
| Retained earnings to average equity (ytd only) | 5.9308% | 2,599 |
| Net charge-offs to loans | 0.4721% | 2,848 |
| Credit loss provision to net charge-offs | 185.3646% | 1,585 |
| Earnings coverage of net charge-offs (x) | 4.9121% | 2,926 |
| Efficiency ratio | 43.5062% | 7,160 |
| Assets per employee ($millions) | 11.4721% | 167 |
| Cash dividends to net income (ytd only)* | 34.7078% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 4,980 |
| Loan loss allowance to noncurrent loans | 71.8945% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.5457% | 3,774 |
| Noncurrent loans to loans | 1.8174% | 3,618 |
| Net loans and leases to total assets | 83.8212% | 233 |
| Net loans and leases to deposits | 121.0903% | 82 |
| Net loans and leases to core deposits | 129.0913% | 258 |
| Total domestic deposits to total assets | 69.2221% | 7,076 |
| Equity capital to assets | 8.3162% | 6,468 |
| Core capital (leverage) ratio | 8.2395% | 6,074 |
| Tier 1 risk-based capital ratio | 11.7176% | 6,090 |
| Total risk-based capital ratio | 12.9721% | 6,087 |
| Memoranda: | ||
| Average total assets | $10,014,079,000 | 106 |
| Average earning assets | $9,491,020,000 | 101 |
| Average equity | $845,822,750 | 136 |
| Average total loans | $8,456,574,500 | 84 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9957% | 3,176 |
| Cost of funding earning assets | 1.5602% | 815 |
| Net interest margin | 3.4354% | 5,422 |
| Noninterest income to average assets | 0.2338% | 5,973 |
| Noninterest expense to average assets | 1.5633% | 7,272 |
| Loan and lease loss provision to assets | 0.7206% | 1,303 |
| Net operating income to assets | 0.7701% | 3,200 |
| Return on assets (ROA) | 0.7656% | 3,350 |
| Pretax return on assets | 1.1969% | 2,496 |
| Return on Equity (ROE) | 9.0148% | 2,508 |
| Retained earnings to average equity (ytd only) | 6.6247% | 2,068 |
| Net charge-offs to loans | 0.4687% | 2,706 |
| Credit loss provision to net charge-offs | 182.4255% | 1,653 |
| Earnings coverage of net charge-offs (x) | 4.8721% | 2,744 |
| Efficiency ratio | 44.3694% | 7,219 |
| Assets per employee ($millions) | 11.4555% | 164 |
| Cash dividends to net income (ytd only)* | 26.5132% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 5,349 |
| Loan loss allowance to noncurrent loans | 65.2632% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.6117% | 3,781 |
| Noncurrent loans to loans | 1.9049% | 3,602 |
| Net loans and leases to total assets | 83.4394% | 275 |
| Net loans and leases to deposits | 123.4669% | 78 |
| Net loans and leases to core deposits | 131.6592% | 256 |
| Total domestic deposits to total assets | 67.5804% | 7,214 |
| Equity capital to assets | 8.3871% | 6,321 |
| Core capital (leverage) ratio | 8.4530% | 5,629 |
| Tier 1 risk-based capital ratio | 12.0263% | 5,767 |
| Total risk-based capital ratio | 13.2799% | 5,724 |
| Memoranda: | ||
| Average total assets | $9,853,101,670 | 110 |
| Average earning assets | $9,332,588,330 | 103 |
| Average equity | $836,781,000 | 137 |
| Average total loans | $8,303,694,670 | 87 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9742% | 3,227 |
| Cost of funding earning assets | 1.5801% | 876 |
| Net interest margin | 3.3941% | 5,452 |
| Noninterest income to average assets | 0.2486% | 5,912 |
| Noninterest expense to average assets | 1.5704% | 7,324 |
| Loan and lease loss provision to assets | 0.7019% | 1,202 |
| Net operating income to assets | 0.7495% | 3,274 |
| Return on assets (ROA) | 0.7495% | 3,341 |
| Pretax return on assets | 1.1907% | 2,413 |
| Return on Equity (ROE) | 8.7685% | 2,579 |
| Retained earnings to average equity (ytd only) | 8.7685% | 1,467 |
| Net charge-offs to loans | 0.4435% | 2,366 |
| Credit loss provision to net charge-offs | 188.0531% | 1,561 |
| Earnings coverage of net charge-offs (x) | 5.0705% | 2,340 |
| Efficiency ratio | 44.8808% | 7,248 |
| Assets per employee ($millions) | 11.3534% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1966% | 5,653 |
| Loan loss allowance to noncurrent loans | 64.0370% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 1.5904% | 3,863 |
| Noncurrent loans to loans | 1.8686% | 3,734 |
| Net loans and leases to total assets | 83.3397% | 256 |
| Net loans and leases to deposits | 120.5015% | 89 |
| Net loans and leases to core deposits | 125.0064% | 329 |
| Total domestic deposits to total assets | 69.1608% | 7,221 |
| Equity capital to assets | 8.5466% | 5,841 |
| Core capital (leverage) ratio | 8.5702% | 5,313 |
| Tier 1 risk-based capital ratio | 12.3860% | 5,362 |
| Total risk-based capital ratio | 13.6390% | 5,348 |
| Memoranda: | ||
| Average total assets | $9,687,696,500 | 111 |
| Average earning assets | $9,174,855,000 | 107 |
| Average equity | $828,104,500 | 137 |
| Average total loans | $8,153,359,000 | 89 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1162% | 4,027 |
| Cost of funding earning assets | 1.9108% | 812 |
| Net interest margin | 3.2054% | 6,258 |
| Noninterest income to average assets | 0.2812% | 5,761 |
| Noninterest expense to average assets | 1.4564% | 7,461 |
| Loan and lease loss provision to assets | 0.7482% | 2,195 |
| Net operating income to assets | 0.6965% | 3,238 |
| Return on assets (ROA) | 0.6965% | 3,374 |
| Pretax return on assets | 1.1073% | 2,550 |
| Return on Equity (ROE) | 7.7994% | 2,782 |
| Retained earnings to average equity (ytd only) | 6.5395% | 1,533 |
| Net charge-offs to loans | 0.4204% | 3,937 |
| Credit loss provision to net charge-offs | 217.1712% | 1,394 |
| Earnings coverage of net charge-offs (x) | 5.3860% | 2,638 |
| Efficiency ratio | 43.6422% | 7,429 |
| Assets per employee ($millions) | 11.0212% | 196 |
| Cash dividends to net income (ytd only)* | 16.1538% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 5,824 |
| Loan loss allowance to noncurrent loans | 54.8127% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.7423% | 3,691 |
| Noncurrent loans to loans | 2.0628% | 3,470 |
| Net loans and leases to total assets | 83.0212% | 384 |
| Net loans and leases to deposits | 116.6050% | 139 |
| Net loans and leases to core deposits | 121.1109% | 501 |
| Total domestic deposits to total assets | 71.1987% | 7,157 |
| Equity capital to assets | 8.5495% | 5,796 |
| Core capital (leverage) ratio | 8.5594% | 5,260 |
| Tier 1 risk-based capital ratio | 12.5014% | 5,021 |
| Total risk-based capital ratio | 13.7535% | 5,004 |
| Memoranda: | ||
| Average total assets | $8,888,202,800 | 121 |
| Average earning assets | $8,404,262,000 | 113 |
| Average equity | $793,713,800 | 136 |
| Average total loans | $7,284,147,800 | 95 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1656% | 4,010 |
| Cost of funding earning assets | 1.9718% | 823 |
| Net interest margin | 3.1938% | 6,364 |
| Noninterest income to average assets | 0.2151% | 6,372 |
| Noninterest expense to average assets | 1.4062% | 7,589 |
| Loan and lease loss provision to assets | 0.7266% | 2,101 |
| Net operating income to assets | 0.6881% | 3,473 |
| Return on assets (ROA) | 0.6881% | 3,627 |
| Pretax return on assets | 1.1009% | 2,819 |
| Return on Equity (ROE) | 7.6159% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.6159% | 1,552 |
| Net charge-offs to loans | 0.3373% | 3,958 |
| Credit loss provision to net charge-offs | 264.6682% | 1,246 |
| Earnings coverage of net charge-offs (x) | 6.6569% | 2,479 |
| Efficiency ratio | 43.2362% | 7,490 |
| Assets per employee ($millions) | 12.0858% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,837 |
| Loan loss allowance to noncurrent loans | 58.3893% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.6307% | 3,995 |
| Noncurrent loans to loans | 1.9267% | 3,772 |
| Net loans and leases to total assets | 83.2556% | 386 |
| Net loans and leases to deposits | 120.8578% | 107 |
| Net loans and leases to core deposits | 125.2070% | 470 |
| Total domestic deposits to total assets | 68.8873% | 7,335 |
| Equity capital to assets | 9.1576% | 5,374 |
| Core capital (leverage) ratio | 9.0762% | 4,561 |
| Tier 1 risk-based capital ratio | 13.7887% | 3,991 |
| Total risk-based capital ratio | 15.0407% | 3,946 |
| Memoranda: | ||
| Average total assets | $8,715,892,750 | 120 |
| Average earning assets | $8,238,074,000 | 112 |
| Average equity | $787,437,250 | 135 |
| Average total loans | $7,094,624,750 | 97 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1303% | 4,298 |
| Cost of funding earning assets | 2.0203% | 855 |
| Net interest margin | 3.1100% | 6,584 |
| Noninterest income to average assets | 0.1693% | 6,696 |
| Noninterest expense to average assets | 1.4014% | 7,666 |
| Loan and lease loss provision to assets | 0.6594% | 2,185 |
| Net operating income to assets | 0.6594% | 3,587 |
| Return on assets (ROA) | 0.6589% | 3,743 |
| Pretax return on assets | 1.0474% | 2,950 |
| Return on Equity (ROE) | 7.3278% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.3278% | 1,705 |
| Net charge-offs to loans | 0.3230% | 3,709 |
| Credit loss provision to net charge-offs | 253.8297% | 1,505 |
| Earnings coverage of net charge-offs (x) | 6.5726% | 2,440 |
| Efficiency ratio | 44.8101% | 7,493 |
| Assets per employee ($millions) | 12.1104% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 6,437 |
| Loan loss allowance to noncurrent loans | 53.2283% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.5454% | 4,141 |
| Noncurrent loans to loans | 1.8672% | 3,909 |
| Net loans and leases to total assets | 81.4925% | 598 |
| Net loans and leases to deposits | 117.9805% | 154 |
| Net loans and leases to core deposits | 122.1300% | 626 |
| Total domestic deposits to total assets | 69.0728% | 7,383 |
| Equity capital to assets | 9.0219% | 5,413 |
| Core capital (leverage) ratio | 8.9779% | 4,637 |
| Tier 1 risk-based capital ratio | 14.0754% | 3,677 |
| Total risk-based capital ratio | 15.3260% | 3,639 |
| Memoranda: | ||
| Average total assets | $8,644,046,670 | 122 |
| Average earning assets | $8,170,226,670 | 113 |
| Average equity | $777,282,000 | 136 |
| Average total loans | $6,952,658,000 | 96 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 4,433 |
| Cost of funding earning assets | 2.0538% | 934 |
| Net interest margin | 3.0669% | 6,676 |
| Noninterest income to average assets | 0.1674% | 6,768 |
| Noninterest expense to average assets | 1.4093% | 7,756 |
| Loan and lease loss provision to assets | 0.6108% | 2,085 |
| Net operating income to assets | 0.6221% | 3,792 |
| Return on assets (ROA) | 0.6209% | 3,934 |
| Pretax return on assets | 1.0443% | 2,924 |
| Return on Equity (ROE) | 6.9167% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.9167% | 2,172 |
| Net charge-offs to loans | 0.3039% | 3,203 |
| Credit loss provision to net charge-offs | 252.9560% | 1,528 |
| Earnings coverage of net charge-offs (x) | 6.8620% | 2,158 |
| Efficiency ratio | 45.6816% | 7,561 |
| Assets per employee ($millions) | 12.0462% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 6,799 |
| Loan loss allowance to noncurrent loans | 50.4731% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 4,367 |
| Noncurrent loans to loans | 1.8115% | 4,039 |
| Net loans and leases to total assets | 78.1042% | 1,136 |
| Net loans and leases to deposits | 112.5267% | 242 |
| Net loans and leases to core deposits | 117.0238% | 904 |
| Total domestic deposits to total assets | 69.4095% | 7,448 |
| Equity capital to assets | 8.8873% | 5,425 |
| Core capital (leverage) ratio | 9.0753% | 4,428 |
| Tier 1 risk-based capital ratio | 14.6196% | 3,306 |
| Total risk-based capital ratio | 15.8214% | 3,303 |
| Memoranda: | ||
| Average total assets | $8,545,759,000 | 124 |
| Average earning assets | $8,077,484,500 | 117 |
| Average equity | $767,125,500 | 136 |
| Average total loans | $6,790,604,000 | 99 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 5,750 |
| Cost of funding earning assets | 2.6013% | 775 |
| Net interest margin | 2.5777% | 7,353 |
| Noninterest income to average assets | 0.1949% | 6,706 |
| Noninterest expense to average assets | 1.3765% | 7,848 |
| Loan and lease loss provision to assets | 0.5031% | 3,865 |
| Net operating income to assets | 0.4408% | 3,968 |
| Return on assets (ROA) | 0.4292% | 4,115 |
| Pretax return on assets | 0.7418% | 3,438 |
| Return on Equity (ROE) | 4.7643% | 3,769 |
| Retained earnings to average equity (ytd only) | 4.7643% | 1,938 |
| Net charge-offs to loans | 0.2447% | 5,089 |
| Credit loss provision to net charge-offs | 263.1930% | 1,333 |
| Earnings coverage of net charge-offs (x) | 6.6069% | 2,326 |
| Efficiency ratio | 51.9418% | 7,391 |
| Assets per employee ($millions) | 11.8722% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8220% | 7,065 |
| Loan loss allowance to noncurrent loans | 45.8030% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 1.4381% | 4,254 |
| Noncurrent loans to loans | 1.7947% | 3,945 |
| Net loans and leases to total assets | 79.4684% | 1,097 |
| Net loans and leases to deposits | 112.8337% | 297 |
| Net loans and leases to core deposits | 138.7903% | 850 |
| Total domestic deposits to total assets | 70.4296% | 7,383 |
| Equity capital to assets | 9.0701% | 5,028 |
| Core capital (leverage) ratio | 9.0276% | 4,376 |
| Tier 1 risk-based capital ratio | 14.7010% | 3,097 |
| Total risk-based capital ratio | 15.7807% | 3,144 |
| Memoranda: | ||
| Average total assets | $7,841,598,200 | 130 |
| Average earning assets | $7,436,200,800 | 122 |
| Average equity | $706,490,000 | 138 |
| Average total loans | $6,126,679,000 | 107 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 5,902 |
| Cost of funding earning assets | 2.7279% | 726 |
| Net interest margin | 2.4661% | 7,494 |
| Noninterest income to average assets | 0.2043% | 6,758 |
| Noninterest expense to average assets | 1.3543% | 7,939 |
| Loan and lease loss provision to assets | 0.4910% | 3,450 |
| Net operating income to assets | 0.4092% | 4,362 |
| Return on assets (ROA) | 0.3948% | 4,518 |
| Pretax return on assets | 0.6777% | 3,936 |
| Return on Equity (ROE) | 4.3900% | 4,213 |
| Retained earnings to average equity (ytd only) | 4.3900% | 2,820 |
| Net charge-offs to loans | 0.1212% | 5,485 |
| Credit loss provision to net charge-offs | 522.0588% | 752 |
| Earnings coverage of net charge-offs (x) | 12.6660% | 1,738 |
| Efficiency ratio | 53.0341% | 7,332 |
| Assets per employee ($millions) | 12.4924% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 7,002 |
| Loan loss allowance to noncurrent loans | 46.3541% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 1.4105% | 4,284 |
| Noncurrent loans to loans | 1.8066% | 3,903 |
| Net loans and leases to total assets | 77.3777% | 1,705 |
| Net loans and leases to deposits | 111.8376% | 398 |
| Net loans and leases to core deposits | 138.4976% | 988 |
| Total domestic deposits to total assets | 69.1875% | 7,485 |
| Equity capital to assets | 9.1046% | 5,325 |
| Core capital (leverage) ratio | 9.1639% | 4,392 |
| Tier 1 risk-based capital ratio | 15.6451% | 2,755 |
| Total risk-based capital ratio | 16.7709% | 2,757 |
| Memoranda: | ||
| Average total assets | $7,712,497,000 | 135 |
| Average earning assets | $7,321,961,000 | 129 |
| Average equity | $693,592,500 | 146 |
| Average total loans | $5,984,093,750 | 116 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1981% | 6,082 |
| Cost of funding earning assets | 2.8521% | 687 |
| Net interest margin | 2.3460% | 7,632 |
| Noninterest income to average assets | 0.1774% | 7,025 |
| Noninterest expense to average assets | 1.3782% | 8,020 |
| Loan and lease loss provision to assets | 0.4244% | 3,424 |
| Net operating income to assets | 0.3509% | 4,676 |
| Return on assets (ROA) | 0.3288% | 4,886 |
| Pretax return on assets | 0.5685% | 4,414 |
| Return on Equity (ROE) | 3.6729% | 4,633 |
| Retained earnings to average equity (ytd only) | 3.6729% | 3,253 |
| Net charge-offs to loans | 0.0003% | 6,626 |
| Credit loss provision to net charge-offs | 200,312.5000% | 1 |
| Earnings coverage of net charge-offs (x) | 4,848.6250% | 4 |
| Efficiency ratio | 57.2176% | 6,966 |
| Assets per employee ($millions) | 12.5513% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7459% | 7,313 |
| Loan loss allowance to noncurrent loans | 38.3305% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4973% | 3,988 |
| Noncurrent loans to loans | 1.9459% | 3,603 |
| Net loans and leases to total assets | 76.3769% | 2,089 |
| Net loans and leases to deposits | 111.6965% | 491 |
| Net loans and leases to core deposits | 139.3563% | 1,043 |
| Total domestic deposits to total assets | 68.3790% | 7,598 |
| Equity capital to assets | 8.9773% | 5,348 |
| Core capital (leverage) ratio | 9.5153% | 3,863 |
| Tier 1 risk-based capital ratio | 15.8632% | 2,672 |
| Total risk-based capital ratio | 16.8761% | 2,688 |
| Memoranda: | ||
| Average total assets | $7,551,656,330 | 140 |
| Average earning assets | $7,172,206,670 | 134 |
| Average equity | $676,081,000 | 152 |
| Average total loans | $5,847,236,670 | 121 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 5,535 |
| Cost of funding earning assets | 3.0052% | 596 |
| Net interest margin | 2.3732% | 7,647 |
| Noninterest income to average assets | 0.1764% | 7,043 |
| Noninterest expense to average assets | 1.3308% | 8,067 |
| Loan and lease loss provision to assets | 0.4403% | 2,721 |
| Net operating income to assets | 0.3862% | 4,909 |
| Return on assets (ROA) | 0.3862% | 5,092 |
| Pretax return on assets | 0.6614% | 4,553 |
| Return on Equity (ROE) | 4.3207% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.3207% | 3,507 |
| Net charge-offs to loans | 0.0006% | 5,727 |
| Credit loss provision to net charge-offs | 100,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 2,502.0000% | 2 |
| Efficiency ratio | 54.6964% | 7,151 |
| Assets per employee ($millions) | 12.6831% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6133% | 7,637 |
| Loan loss allowance to noncurrent loans | 43.1046% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 1.0893% | 4,507 |
| Noncurrent loans to loans | 1.4229% | 4,173 |
| Net loans and leases to total assets | 76.0867% | 2,249 |
| Net loans and leases to deposits | 115.4607% | 401 |
| Net loans and leases to core deposits | 143.2681% | 958 |
| Total domestic deposits to total assets | 65.8984% | 7,738 |
| Equity capital to assets | 8.9123% | 5,458 |
| Core capital (leverage) ratio | 9.0423% | 4,630 |
| Tier 1 risk-based capital ratio | 16.4615% | 2,529 |
| Total risk-based capital ratio | 17.3227% | 2,603 |
| Memoranda: | ||
| Average total assets | $7,267,142,500 | 145 |
| Average earning assets | $6,908,733,500 | 139 |
| Average equity | $649,613,500 | 152 |
| Average total loans | $5,646,386,500 | 128 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4207% | 7,435 |
| Cost of funding earning assets | 3.2348% | 1,085 |
| Net interest margin | 2.1859% | 7,968 |
| Noninterest income to average assets | 0.1043% | 7,615 |
| Noninterest expense to average assets | 1.2636% | 8,137 |
| Loan and lease loss provision to assets | 0.2714% | 4,223 |
| Net operating income to assets | 0.5162% | 4,659 |
| Return on assets (ROA) | -1.0380% | 7,188 |
| Pretax return on assets | -1.7686% | 7,365 |
| Return on Equity (ROE) | -9.6128% | 7,252 |
| Retained earnings to average equity (ytd only) | -9.6128% | 7,039 |
| Net charge-offs to loans | 0.0008% | 7,031 |
| Credit loss provision to net charge-offs | 45,384.6154% | 6 |
| Earnings coverage of net charge-offs (x) | 1,557.6667% | 22 |
| Efficiency ratio | 57.5688% | 6,768 |
| Assets per employee ($millions) | 12.9568% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4690% | 7,888 |
| Loan loss allowance to noncurrent loans | 55.5279% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 0.6661% | 5,226 |
| Noncurrent loans to loans | 0.8446% | 4,939 |
| Net loans and leases to total assets | 78.4972% | 2,003 |
| Net loans and leases to deposits | 130.7618% | 202 |
| Net loans and leases to core deposits | 169.8342% | 403 |
| Total domestic deposits to total assets | 60.0307% | 7,966 |
| Equity capital to assets | 8.9665% | 5,414 |
| Core capital (leverage) ratio | 9.0381% | 4,686 |
| Tier 1 risk-based capital ratio | 16.6684% | 2,428 |
| Total risk-based capital ratio | 17.3477% | 2,564 |
| Memoranda: | ||
| Average total assets | $6,522,738,400 | 148 |
| Average earning assets | $6,238,752,800 | 143 |
| Average equity | $704,341,600 | 148 |
| Average total loans | $4,775,683,400 | 139 |