Home > MUFG Union Bank > Performance and Condition Ratios
MUFG Union Bank, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9879% | 1,246 |
| Cost of funding earning assets | 0.9121% | 2,334 |
| Net interest margin | 4.0758% | 1,135 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 2.6416% | 1,835 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.9520% | 2,684 |
| Return on assets (ROA) | 1.1266% | 2,106 |
| Pretax return on assets | 1.4875% | 1,699 |
| Return on Equity (ROE) | 7.5200% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.5217% | 2,359 |
| Net charge-offs to loans | 0.9586% | 83 |
| Credit loss provision to net charge-offs | 30.7515% | 1,353 |
| Earnings coverage of net charge-offs (x) | 2.8783% | 1,913 |
| Efficiency ratio | 53.3411% | 3,670 |
| Assets per employee ($millions) | 15.0028% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 920 |
| Loan loss allowance to noncurrent loans | 171.9339% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 1,030 |
| Noncurrent loans to loans | 0.9569% | 781 |
| Net loans and leases to total assets | 51.6700% | 3,367 |
| Net loans and leases to deposits | 72.8596% | 2,394 |
| Net loans and leases to core deposits | 76.5118% | 2,489 |
| Total domestic deposits to total assets | 70.9200% | 4,396 |
| Equity capital to assets | 15.4671% | 445 |
| Core capital (leverage) ratio | 11.6003% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0182% | 655 |
| Memoranda: | ||
| Average total assets | $102,204,659,500 | 34 |
| Average earning assets | $90,088,021,500 | 35 |
| Average equity | $15,308,607,000 | 23 |
| Average total loans | $52,929,656,500 | 35 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3460% | 4,698 |
| Cost of funding earning assets | 0.0593% | 4,550 |
| Net interest margin | 0.2867% | 4,699 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 0.1995% | 4,701 |
| Loan and lease loss provision to assets | 0.5700% | 99 |
| Net operating income to assets | -0.3681% | 4,632 |
| Return on assets (ROA) | -0.4232% | 4,631 |
| Pretax return on assets | -0.5368% | 4,627 |
| Return on Equity (ROE) | -3.2700% | 4,607 |
| Retained earnings to average equity (ytd only) | -3.2728% | 4,530 |
| Net charge-offs to loans | 0.2412% | 330 |
| Credit loss provision to net charge-offs | 373.4776% | 802 |
| Earnings coverage of net charge-offs (x) | 0.6711% | 2,555 |
| Efficiency ratio | 55.2053% | 3,660 |
| Assets per employee ($millions) | 15.2609% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5514% | 1,074 |
| Loan loss allowance to noncurrent loans | 236.3943% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 1,507 |
| Noncurrent loans to loans | 0.6563% | 1,135 |
| Net loans and leases to total assets | 50.2800% | 3,484 |
| Net loans and leases to deposits | 64.0511% | 3,039 |
| Net loans and leases to core deposits | 68.7179% | 2,960 |
| Total domestic deposits to total assets | 78.5000% | 4,044 |
| Equity capital to assets | 14.5107% | 524 |
| Core capital (leverage) ratio | 10.8609% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7217% | 755 |
| Memoranda: | ||
| Average total assets | $121,451,013,200 | 29 |
| Average earning assets | $110,544,175,400 | 32 |
| Average equity | $15,704,124,400 | 24 |
| Average total loans | $74,588,013,000 | 25 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9813% | 3,917 |
| Cost of funding earning assets | 0.3260% | 1,900 |
| Net interest margin | 2.6552% | 4,013 |
| Noninterest income to average assets | 2.1300% | 248 |
| Noninterest expense to average assets | 3.7577% | 389 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.5530% | 3,960 |
| Return on assets (ROA) | 0.5597% | 3,889 |
| Pretax return on assets | 0.6966% | 3,806 |
| Return on Equity (ROE) | 4.4400% | 4,086 |
| Retained earnings to average equity (ytd only) | 4.4416% | 3,313 |
| Net charge-offs to loans | 0.1191% | 528 |
| Credit loss provision to net charge-offs | 138.5687% | 1,157 |
| Earnings coverage of net charge-offs (x) | 10.5749% | 1,978 |
| Efficiency ratio | 82.0550% | 646 |
| Assets per employee ($millions) | 10.3615% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 3,552 |
| Loan loss allowance to noncurrent loans | 192.4681% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 1,631 |
| Noncurrent loans to loans | 0.5122% | 1,520 |
| Net loans and leases to total assets | 63.2300% | 2,166 |
| Net loans and leases to deposits | 86.9005% | 1,116 |
| Net loans and leases to core deposits | 94.4038% | 1,069 |
| Total domestic deposits to total assets | 72.7600% | 4,490 |
| Equity capital to assets | 12.2940% | 822 |
| Core capital (leverage) ratio | 13.0051% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5618% | 918 |
| Memoranda: | ||
| Average total assets | $125,702,392,500 | 29 |
| Average earning assets | $115,014,678,500 | 30 |
| Average equity | $15,841,222,250 | 24 |
| Average total loans | $79,898,732,250 | 25 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7640% | 4,040 |
| Cost of funding earning assets | 0.2002% | 2,906 |
| Net interest margin | 2.5638% | 3,971 |
| Noninterest income to average assets | 2.1379% | 212 |
| Noninterest expense to average assets | 3.7733% | 331 |
| Loan and lease loss provision to assets | 0.0482% | 1,710 |
| Net operating income to assets | 0.5358% | 3,807 |
| Return on assets (ROA) | 0.5383% | 3,754 |
| Pretax return on assets | 0.6633% | 3,674 |
| Return on Equity (ROE) | 4.2372% | 3,980 |
| Retained earnings to average equity (ytd only) | 4.2372% | 3,001 |
| Net charge-offs to loans | 0.1580% | 404 |
| Credit loss provision to net charge-offs | 47.4811% | 1,507 |
| Earnings coverage of net charge-offs (x) | 7.0797% | 1,868 |
| Efficiency ratio | 83.6388% | 703 |
| Assets per employee ($millions) | 10.2772% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 3,929 |
| Loan loss allowance to noncurrent loans | 173.4092% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 1,657 |
| Noncurrent loans to loans | 0.5237% | 1,577 |
| Net loans and leases to total assets | 63.3298% | 1,982 |
| Net loans and leases to deposits | 85.4627% | 1,016 |
| Net loans and leases to core deposits | 90.6298% | 1,087 |
| Total domestic deposits to total assets | 74.1022% | 4,528 |
| Equity capital to assets | 12.4539% | 773 |
| Core capital (leverage) ratio | 12.6656% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0300% | 985 |
| Memoranda: | ||
| Average total assets | $126,084,678,000 | 29 |
| Average earning assets | $115,343,331,000 | 31 |
| Average equity | $16,017,351,000 | 24 |
| Average total loans | $80,017,356,667 | 25 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6538% | 4,025 |
| Cost of funding earning assets | 0.1656% | 3,287 |
| Net interest margin | 2.4882% | 3,922 |
| Noninterest income to average assets | 2.2245% | 204 |
| Noninterest expense to average assets | 3.8706% | 304 |
| Loan and lease loss provision to assets | 0.0136% | 2,101 |
| Net operating income to assets | 0.4499% | 3,843 |
| Return on assets (ROA) | 0.4556% | 3,796 |
| Pretax return on assets | 0.6210% | 3,575 |
| Return on Equity (ROE) | 3.5522% | 3,985 |
| Retained earnings to average equity (ytd only) | 3.5522% | 3,099 |
| Net charge-offs to loans | 0.0769% | 611 |
| Credit loss provision to net charge-offs | 12.4181% | 1,311 |
| Earnings coverage of net charge-offs (x) | 12.9285% | 1,405 |
| Efficiency ratio | 85.7479% | 749 |
| Assets per employee ($millions) | 10.4360% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 3,972 |
| Loan loss allowance to noncurrent loans | 152.9210% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 1,563 |
| Noncurrent loans to loans | 0.6058% | 1,548 |
| Net loans and leases to total assets | 63.2171% | 1,716 |
| Net loans and leases to deposits | 80.4177% | 1,113 |
| Net loans and leases to core deposits | 84.6098% | 1,215 |
| Total domestic deposits to total assets | 78.6110% | 4,370 |
| Equity capital to assets | 12.6209% | 775 |
| Core capital (leverage) ratio | 12.3966% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6716% | 1,109 |
| Memoranda: | ||
| Average total assets | $126,795,903,500 | 29 |
| Average earning assets | $115,933,321,000 | 31 |
| Average equity | $16,263,354,000 | 22 |
| Average total loans | $80,190,139,500 | 25 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4754% | 4,500 |
| Cost of funding earning assets | 0.2318% | 3,118 |
| Net interest margin | 2.2436% | 4,461 |
| Noninterest income to average assets | 2.0818% | 296 |
| Noninterest expense to average assets | 3.4046% | 539 |
| Loan and lease loss provision to assets | -0.2972% | 4,775 |
| Net operating income to assets | 0.8109% | 3,303 |
| Return on assets (ROA) | 0.8586% | 3,229 |
| Pretax return on assets | 1.0818% | 3,029 |
| Return on Equity (ROE) | 7.0723% | 3,495 |
| Retained earnings to average equity (ytd only) | 7.0723% | 1,894 |
| Net charge-offs to loans | 0.1103% | 803 |
| Credit loss provision to net charge-offs | -469.6501% | 3,749 |
| Earnings coverage of net charge-offs (x) | 10.9000% | 2,186 |
| Efficiency ratio | 82.0063% | 675 |
| Assets per employee ($millions) | 10.3773% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 3,953 |
| Loan loss allowance to noncurrent loans | 141.7517% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 1,566 |
| Noncurrent loans to loans | 0.6660% | 1,503 |
| Net loans and leases to total assets | 62.0963% | 1,929 |
| Net loans and leases to deposits | 78.2359% | 1,376 |
| Net loans and leases to core deposits | 83.2708% | 1,373 |
| Total domestic deposits to total assets | 79.3706% | 4,275 |
| Equity capital to assets | 13.0285% | 889 |
| Core capital (leverage) ratio | 12.1414% | 1,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3559% | 1,184 |
| Memoranda: | ||
| Average total assets | $132,244,485,600 | 28 |
| Average earning assets | $120,765,511,800 | 29 |
| Average equity | $16,055,711,400 | 25 |
| Average total loans | $79,879,569,400 | 24 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4585% | 4,599 |
| Cost of funding earning assets | 0.2453% | 3,162 |
| Net interest margin | 2.2131% | 4,559 |
| Noninterest income to average assets | 1.9302% | 371 |
| Noninterest expense to average assets | 3.4432% | 501 |
| Loan and lease loss provision to assets | -0.3886% | 4,858 |
| Net operating income to assets | 0.6972% | 3,773 |
| Return on assets (ROA) | 0.7542% | 3,706 |
| Pretax return on assets | 0.9658% | 3,551 |
| Return on Equity (ROE) | 6.3227% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.3227% | 2,685 |
| Net charge-offs to loans | 0.1445% | 567 |
| Credit loss provision to net charge-offs | -464.3500% | 3,627 |
| Earnings coverage of net charge-offs (x) | 5.8611% | 2,205 |
| Efficiency ratio | 86.7857% | 409 |
| Assets per employee ($millions) | 10.3591% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,952 |
| Loan loss allowance to noncurrent loans | 112.6875% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 1,487 |
| Noncurrent loans to loans | 0.8584% | 1,339 |
| Net loans and leases to total assets | 59.1822% | 2,356 |
| Net loans and leases to deposits | 75.7107% | 1,696 |
| Net loans and leases to core deposits | 81.3004% | 1,630 |
| Total domestic deposits to total assets | 78.1689% | 4,409 |
| Equity capital to assets | 12.0865% | 1,362 |
| Core capital (leverage) ratio | 11.5363% | 1,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6697% | 1,438 |
| Memoranda: | ||
| Average total assets | $133,340,888,000 | 27 |
| Average earning assets | $121,705,167,750 | 29 |
| Average equity | $15,905,126,000 | 24 |
| Average total loans | $79,811,380,750 | 24 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4593% | 4,644 |
| Cost of funding earning assets | 0.2647% | 3,140 |
| Net interest margin | 2.1946% | 4,604 |
| Noninterest income to average assets | 2.0019% | 327 |
| Noninterest expense to average assets | 3.4166% | 520 |
| Loan and lease loss provision to assets | -0.5192% | 4,911 |
| Net operating income to assets | 0.8745% | 3,289 |
| Return on assets (ROA) | 0.9231% | 3,229 |
| Pretax return on assets | 1.1660% | 3,006 |
| Return on Equity (ROE) | 7.7733% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.7733% | 2,163 |
| Net charge-offs to loans | 0.1423% | 566 |
| Credit loss provision to net charge-offs | -625.1571% | 3,537 |
| Earnings coverage of net charge-offs (x) | 6.8946% | 1,937 |
| Efficiency ratio | 85.0481% | 509 |
| Assets per employee ($millions) | 10.0473% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,509 |
| Loan loss allowance to noncurrent loans | 113.1197% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 1,485 |
| Noncurrent loans to loans | 0.9529% | 1,298 |
| Net loans and leases to total assets | 58.3122% | 2,627 |
| Net loans and leases to deposits | 73.8713% | 2,013 |
| Net loans and leases to core deposits | 80.3340% | 1,862 |
| Total domestic deposits to total assets | 78.9375% | 4,352 |
| Equity capital to assets | 12.0518% | 1,335 |
| Core capital (leverage) ratio | 11.2270% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9013% | 1,361 |
| Memoranda: | ||
| Average total assets | $133,367,826,333 | 27 |
| Average earning assets | $121,675,752,667 | 29 |
| Average equity | $15,838,001,667 | 24 |
| Average total loans | $79,869,655,000 | 24 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5219% | 4,632 |
| Cost of funding earning assets | 0.2707% | 3,267 |
| Net interest margin | 2.2511% | 4,567 |
| Noninterest income to average assets | 2.1169% | 345 |
| Noninterest expense to average assets | 3.3000% | 609 |
| Loan and lease loss provision to assets | -0.5161% | 4,920 |
| Net operating income to assets | 1.0385% | 2,674 |
| Return on assets (ROA) | 1.0456% | 2,735 |
| Pretax return on assets | 1.3945% | 2,299 |
| Return on Equity (ROE) | 8.8701% | 3,079 |
| Retained earnings to average equity (ytd only) | 8.8701% | 1,992 |
| Net charge-offs to loans | 0.1361% | 551 |
| Credit loss provision to net charge-offs | -686.6844% | 3,249 |
| Earnings coverage of net charge-offs (x) | 10.6093% | 1,489 |
| Efficiency ratio | 78.7290% | 914 |
| Assets per employee ($millions) | 10.4194% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3164% | 2,365 |
| Loan loss allowance to noncurrent loans | 135.6002% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.5708% | 1,660 |
| Noncurrent loans to loans | 0.9708% | 1,394 |
| Net loans and leases to total assets | 58.0069% | 2,803 |
| Net loans and leases to deposits | 73.5447% | 2,151 |
| Net loans and leases to core deposits | 80.2571% | 1,979 |
| Total domestic deposits to total assets | 78.8730% | 4,346 |
| Equity capital to assets | 11.6144% | 1,481 |
| Core capital (leverage) ratio | 11.3243% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0610% | 1,282 |
| Memoranda: | ||
| Average total assets | $133,448,149,000 | 26 |
| Average earning assets | $121,796,545,000 | 27 |
| Average equity | $15,730,102,500 | 24 |
| Average total loans | $80,543,278,000 | 24 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8523% | 4,729 |
| Cost of funding earning assets | 0.5312% | 2,742 |
| Net interest margin | 2.3210% | 4,708 |
| Noninterest income to average assets | 1.8192% | 387 |
| Noninterest expense to average assets | 3.4000% | 797 |
| Loan and lease loss provision to assets | 0.6313% | 299 |
| Net operating income to assets | -0.1260% | 4,797 |
| Return on assets (ROA) | -0.0285% | 4,782 |
| Pretax return on assets | 0.0191% | 4,754 |
| Return on Equity (ROE) | -0.2473% | 4,782 |
| Retained earnings to average equity (ytd only) | -0.2473% | 4,554 |
| Net charge-offs to loans | 0.3929% | 442 |
| Credit loss provision to net charge-offs | 249.6315% | 1,944 |
| Earnings coverage of net charge-offs (x) | 2.0968% | 3,202 |
| Efficiency ratio | 78.3453% | 1,009 |
| Assets per employee ($millions) | 10.2150% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 1,462 |
| Loan loss allowance to noncurrent loans | 166.6323% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 1,843 |
| Noncurrent loans to loans | 0.9226% | 1,527 |
| Net loans and leases to total assets | 61.0096% | 2,729 |
| Net loans and leases to deposits | 77.8171% | 2,095 |
| Net loans and leases to core deposits | 85.1269% | 1,942 |
| Total domestic deposits to total assets | 78.4012% | 4,274 |
| Equity capital to assets | 11.9640% | 1,590 |
| Core capital (leverage) ratio | 11.1246% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6841% | 1,351 |
| Memoranda: | ||
| Average total assets | $133,818,701,600 | 23 |
| Average earning assets | $121,715,680,200 | 25 |
| Average equity | $15,416,757,400 | 24 |
| Average total loans | $86,134,779,400 | 22 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9376% | 4,773 |
| Cost of funding earning assets | 0.6058% | 2,576 |
| Net interest margin | 2.3318% | 4,766 |
| Noninterest income to average assets | 1.7814% | 374 |
| Noninterest expense to average assets | 3.5579% | 651 |
| Loan and lease loss provision to assets | 0.8443% | 199 |
| Net operating income to assets | -0.4570% | 4,892 |
| Return on assets (ROA) | -0.3206% | 4,870 |
| Pretax return on assets | -0.3518% | 4,872 |
| Return on Equity (ROE) | -2.8097% | 4,878 |
| Retained earnings to average equity (ytd only) | -2.8097% | 4,762 |
| Net charge-offs to loans | 0.3779% | 421 |
| Credit loss provision to net charge-offs | 343.8972% | 1,630 |
| Earnings coverage of net charge-offs (x) | 1.4004% | 3,072 |
| Efficiency ratio | 80.3521% | 847 |
| Assets per employee ($millions) | 10.2721% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 1,106 |
| Loan loss allowance to noncurrent loans | 216.9937% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 2,310 |
| Noncurrent loans to loans | 0.7373% | 1,965 |
| Net loans and leases to total assets | 62.9057% | 2,895 |
| Net loans and leases to deposits | 80.9171% | 2,205 |
| Net loans and leases to core deposits | 88.9333% | 2,070 |
| Total domestic deposits to total assets | 77.7410% | 4,237 |
| Equity capital to assets | 11.7078% | 1,872 |
| Core capital (leverage) ratio | 10.8251% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3477% | 1,411 |
| Memoranda: | ||
| Average total assets | $134,245,570,500 | 23 |
| Average earning assets | $122,069,236,500 | 23 |
| Average equity | $15,319,506,250 | 24 |
| Average total loans | $87,203,726,750 | 22 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0611% | 4,808 |
| Cost of funding earning assets | 0.7129% | 2,316 |
| Net interest margin | 2.3482% | 4,819 |
| Noninterest income to average assets | 1.6905% | 371 |
| Noninterest expense to average assets | 3.2277% | 1,109 |
| Loan and lease loss provision to assets | 1.1860% | 144 |
| Net operating income to assets | -0.7486% | 4,940 |
| Return on assets (ROA) | -0.5738% | 4,923 |
| Pretax return on assets | -0.4142% | 4,883 |
| Return on Equity (ROE) | -5.0714% | 4,924 |
| Retained earnings to average equity (ytd only) | -5.0714% | 4,773 |
| Net charge-offs to loans | 0.2631% | 599 |
| Credit loss provision to net charge-offs | 690.3437% | 1,010 |
| Earnings coverage of net charge-offs (x) | 3.4754% | 2,674 |
| Efficiency ratio | 82.3391% | 738 |
| Assets per employee ($millions) | 10.6064% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 888 |
| Loan loss allowance to noncurrent loans | 207.3902% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 2,316 |
| Noncurrent loans to loans | 0.8016% | 1,888 |
| Net loans and leases to total assets | 62.3295% | 3,091 |
| Net loans and leases to deposits | 82.0100% | 2,207 |
| Net loans and leases to core deposits | 89.3916% | 2,119 |
| Total domestic deposits to total assets | 76.0022% | 4,430 |
| Equity capital to assets | 11.2907% | 2,129 |
| Core capital (leverage) ratio | 10.1499% | 2,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9123% | 1,511 |
| Memoranda: | ||
| Average total assets | $134,834,389,000 | 22 |
| Average earning assets | $122,549,120,667 | 23 |
| Average equity | $15,255,872,000 | 24 |
| Average total loans | $88,040,967,000 | 21 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2945% | 4,816 |
| Cost of funding earning assets | 0.8890% | 1,927 |
| Net interest margin | 2.4055% | 4,873 |
| Noninterest income to average assets | 1.5762% | 360 |
| Noninterest expense to average assets | 3.3085% | 1,209 |
| Loan and lease loss provision to assets | 1.3387% | 129 |
| Net operating income to assets | -1.0808% | 4,998 |
| Return on assets (ROA) | -0.9108% | 4,958 |
| Pretax return on assets | -0.7146% | 4,923 |
| Return on Equity (ROE) | -8.0408% | 4,977 |
| Retained earnings to average equity (ytd only) | -8.0408% | 4,692 |
| Net charge-offs to loans | 0.2832% | 518 |
| Credit loss provision to net charge-offs | 713.3177% | 716 |
| Earnings coverage of net charge-offs (x) | 2.4192% | 2,291 |
| Efficiency ratio | 87.5497% | 606 |
| Assets per employee ($millions) | 10.8796% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,292 |
| Loan loss allowance to noncurrent loans | 291.9880% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 3,293 |
| Noncurrent loans to loans | 0.4343% | 2,948 |
| Net loans and leases to total assets | 65.6145% | 2,857 |
| Net loans and leases to deposits | 88.7685% | 1,666 |
| Net loans and leases to core deposits | 100.0705% | 1,461 |
| Total domestic deposits to total assets | 73.9164% | 4,667 |
| Equity capital to assets | 11.3145% | 2,581 |
| Core capital (leverage) ratio | 10.6238% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0686% | 1,882 |
| Memoranda: | ||
| Average total assets | $134,115,822,000 | 22 |
| Average earning assets | $121,897,923,000 | 23 |
| Average equity | $15,190,808,000 | 24 |
| Average total loans | $88,874,837,500 | 21 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 4,757 |
| Cost of funding earning assets | 1.1186% | 1,262 |
| Net interest margin | 2.5051% | 4,966 |
| Noninterest income to average assets | 1.7841% | 308 |
| Noninterest expense to average assets | 4.3213% | 367 |
| Loan and lease loss provision to assets | 0.1682% | 1,238 |
| Net operating income to assets | -0.6027% | 5,060 |
| Return on assets (ROA) | -0.5606% | 5,062 |
| Pretax return on assets | -0.3894% | 5,046 |
| Return on Equity (ROE) | -4.8250% | 5,076 |
| Retained earnings to average equity (ytd only) | -4.8250% | 4,975 |
| Net charge-offs to loans | 0.1736% | 1,162 |
| Credit loss provision to net charge-offs | 148.0736% | 1,739 |
| Earnings coverage of net charge-offs (x) | -2.3182% | 3,667 |
| Efficiency ratio | 76.1010% | 1,351 |
| Assets per employee ($millions) | 10.7814% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5940% | 4,751 |
| Loan loss allowance to noncurrent loans | 92.1529% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 2,686 |
| Noncurrent loans to loans | 0.6446% | 2,276 |
| Net loans and leases to total assets | 65.6820% | 2,988 |
| Net loans and leases to deposits | 89.9239% | 1,598 |
| Net loans and leases to core deposits | 102.1741% | 1,394 |
| Total domestic deposits to total assets | 73.0417% | 4,825 |
| Equity capital to assets | 11.3389% | 2,664 |
| Core capital (leverage) ratio | 10.6461% | 2,812 |
| Tier 1 risk-based capital ratio | 14.4683% | 3,036 |
| Total risk-based capital ratio | 15.1147% | 3,243 |
| Memoranda: | ||
| Average total assets | $133,114,052,800 | 20 |
| Average earning assets | $120,827,301,000 | 20 |
| Average equity | $15,466,619,400 | 23 |
| Average total loans | $87,108,579,600 | 18 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 4,830 |
| Cost of funding earning assets | 1.1382% | 1,215 |
| Net interest margin | 2.5161% | 5,054 |
| Noninterest income to average assets | 1.7466% | 326 |
| Noninterest expense to average assets | 4.7521% | 254 |
| Loan and lease loss provision to assets | 0.1550% | 1,210 |
| Net operating income to assets | -1.0066% | 5,176 |
| Return on assets (ROA) | -0.9594% | 5,179 |
| Pretax return on assets | -0.8327% | 5,159 |
| Return on Equity (ROE) | -8.2076% | 5,190 |
| Retained earnings to average equity (ytd only) | -8.2076% | 5,128 |
| Net charge-offs to loans | 0.1655% | 1,022 |
| Credit loss provision to net charge-offs | 143.4849% | 1,694 |
| Earnings coverage of net charge-offs (x) | -6.7094% | 3,428 |
| Efficiency ratio | 77.3358% | 1,174 |
| Assets per employee ($millions) | 10.8049% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5650% | 4,873 |
| Loan loss allowance to noncurrent loans | 94.7913% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.3912% | 2,943 |
| Noncurrent loans to loans | 0.5960% | 2,496 |
| Net loans and leases to total assets | 64.9323% | 3,186 |
| Net loans and leases to deposits | 89.4819% | 1,758 |
| Net loans and leases to core deposits | 103.0511% | 1,406 |
| Total domestic deposits to total assets | 72.5647% | 4,891 |
| Equity capital to assets | 11.0754% | 3,039 |
| Core capital (leverage) ratio | 10.4034% | 3,191 |
| Tier 1 risk-based capital ratio | 14.2852% | 3,181 |
| Total risk-based capital ratio | 14.9088% | 3,406 |
| Memoranda: | ||
| Average total assets | $133,094,111,500 | 21 |
| Average earning assets | $120,638,585,000 | 21 |
| Average equity | $15,557,593,250 | 24 |
| Average total loans | $86,883,928,750 | 19 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6841% | 4,843 |
| Cost of funding earning assets | 1.1245% | 1,214 |
| Net interest margin | 2.5596% | 5,099 |
| Noninterest income to average assets | 1.7132% | 328 |
| Noninterest expense to average assets | 3.1385% | 1,638 |
| Loan and lease loss provision to assets | 0.1327% | 1,409 |
| Net operating income to assets | 0.5645% | 4,393 |
| Return on assets (ROA) | 0.6046% | 4,336 |
| Pretax return on assets | 0.8051% | 4,079 |
| Return on Equity (ROE) | 5.0823% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.0823% | 2,727 |
| Net charge-offs to loans | 0.0866% | 1,496 |
| Credit loss provision to net charge-offs | 234.7491% | 1,073 |
| Earnings coverage of net charge-offs (x) | 15.7533% | 1,969 |
| Efficiency ratio | 77.3958% | 1,228 |
| Assets per employee ($millions) | 10.6571% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5714% | 4,922 |
| Loan loss allowance to noncurrent loans | 77.9944% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4815% | 2,612 |
| Noncurrent loans to loans | 0.7326% | 2,155 |
| Net loans and leases to total assets | 65.2448% | 3,199 |
| Net loans and leases to deposits | 91.2028% | 1,595 |
| Net loans and leases to core deposits | 105.4018% | 1,282 |
| Total domestic deposits to total assets | 71.5381% | 4,992 |
| Equity capital to assets | 12.0994% | 2,119 |
| Core capital (leverage) ratio | 10.4686% | 3,125 |
| Tier 1 risk-based capital ratio | 14.2826% | 3,171 |
| Total risk-based capital ratio | 14.9178% | 3,398 |
| Memoranda: | ||
| Average total assets | $132,553,655,330 | 21 |
| Average earning assets | $119,922,373,000 | 21 |
| Average equity | $15,770,009,670 | 23 |
| Average total loans | $86,521,612,000 | 19 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 4,875 |
| Cost of funding earning assets | 1.0778% | 1,266 |
| Net interest margin | 2.6010% | 5,137 |
| Noninterest income to average assets | 1.7286% | 304 |
| Noninterest expense to average assets | 3.1431% | 1,628 |
| Loan and lease loss provision to assets | 0.1786% | 934 |
| Net operating income to assets | 0.5546% | 4,374 |
| Return on assets (ROA) | 0.5735% | 4,353 |
| Pretax return on assets | 0.7841% | 4,081 |
| Return on Equity (ROE) | 4.8621% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.8621% | 2,967 |
| Net charge-offs to loans | 0.0804% | 1,283 |
| Credit loss provision to net charge-offs | 341.2857% | 762 |
| Earnings coverage of net charge-offs (x) | 18.0139% | 1,640 |
| Efficiency ratio | 76.5458% | 1,445 |
| Assets per employee ($millions) | 10.6454% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5701% | 4,989 |
| Loan loss allowance to noncurrent loans | 75.4756% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 2,648 |
| Noncurrent loans to loans | 0.7553% | 2,138 |
| Net loans and leases to total assets | 64.3182% | 3,245 |
| Net loans and leases to deposits | 91.3207% | 1,478 |
| Net loans and leases to core deposits | 103.5452% | 1,347 |
| Total domestic deposits to total assets | 70.4311% | 5,095 |
| Equity capital to assets | 11.8260% | 2,135 |
| Core capital (leverage) ratio | 10.5019% | 3,049 |
| Tier 1 risk-based capital ratio | 14.4434% | 3,120 |
| Total risk-based capital ratio | 15.0975% | 3,335 |
| Memoranda: | ||
| Average total assets | $132,074,552,500 | 22 |
| Average earning assets | $119,698,794,000 | 21 |
| Average equity | $15,577,936,000 | 25 |
| Average total loans | $85,977,357,500 | 20 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5872% | 4,809 |
| Cost of funding earning assets | 0.7390% | 1,854 |
| Net interest margin | 2.8482% | 4,975 |
| Noninterest income to average assets | 1.6321% | 361 |
| Noninterest expense to average assets | 3.1370% | 1,708 |
| Loan and lease loss provision to assets | 0.0824% | 2,481 |
| Net operating income to assets | 0.7874% | 3,850 |
| Return on assets (ROA) | 0.8115% | 3,762 |
| Pretax return on assets | 1.0166% | 3,551 |
| Return on Equity (ROE) | 6.1420% | 4,132 |
| Retained earnings to average equity (ytd only) | -4.2681% | 5,224 |
| Net charge-offs to loans | 0.1056% | 1,702 |
| Credit loss provision to net charge-offs | 118.4143% | 2,190 |
| Earnings coverage of net charge-offs (x) | 15.4259% | 2,326 |
| Efficiency ratio | 74.1234% | 1,611 |
| Assets per employee ($millions) | 10.5360% | 293 |
| Cash dividends to net income (ytd only)* | 169.4912% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5253% | 5,094 |
| Loan loss allowance to noncurrent loans | 96.9081% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.3562% | 3,117 |
| Noncurrent loans to loans | 0.5421% | 2,650 |
| Net loans and leases to total assets | 65.1722% | 3,238 |
| Net loans and leases to deposits | 92.4537% | 1,488 |
| Net loans and leases to core deposits | 102.2472% | 1,561 |
| Total domestic deposits to total assets | 70.4917% | 5,142 |
| Equity capital to assets | 11.7630% | 2,057 |
| Core capital (leverage) ratio | 10.6137% | 2,919 |
| Tier 1 risk-based capital ratio | 14.4472% | 3,089 |
| Total risk-based capital ratio | 15.0867% | 3,298 |
| Memoranda: | ||
| Average total assets | $123,600,670,600 | 23 |
| Average earning assets | $111,893,443,400 | 22 |
| Average equity | $16,330,303,800 | 18 |
| Average total loans | $81,465,565,200 | 20 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5505% | 4,873 |
| Cost of funding earning assets | 0.6753% | 1,999 |
| Net interest margin | 2.8752% | 5,009 |
| Noninterest income to average assets | 1.6362% | 367 |
| Noninterest expense to average assets | 3.1644% | 1,614 |
| Loan and lease loss provision to assets | 0.0604% | 2,771 |
| Net operating income to assets | 0.8095% | 3,873 |
| Return on assets (ROA) | 0.8345% | 3,808 |
| Pretax return on assets | 1.0389% | 3,614 |
| Return on Equity (ROE) | 6.1354% | 4,232 |
| Retained earnings to average equity (ytd only) | 6.1354% | 2,588 |
| Net charge-offs to loans | 0.0315% | 2,461 |
| Credit loss provision to net charge-offs | 290.9182% | 1,048 |
| Earnings coverage of net charge-offs (x) | 51.6873% | 1,152 |
| Efficiency ratio | 74.2868% | 1,549 |
| Assets per employee ($millions) | 10.0011% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5726% | 5,085 |
| Loan loss allowance to noncurrent loans | 114.0834% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 3,353 |
| Noncurrent loans to loans | 0.5019% | 2,884 |
| Net loans and leases to total assets | 65.8893% | 3,191 |
| Net loans and leases to deposits | 92.0562% | 1,617 |
| Net loans and leases to core deposits | 100.5846% | 1,736 |
| Total domestic deposits to total assets | 71.5751% | 5,156 |
| Equity capital to assets | 13.5794% | 1,110 |
| Core capital (leverage) ratio | 12.1284% | 1,710 |
| Tier 1 risk-based capital ratio | 16.5706% | 2,255 |
| Total risk-based capital ratio | 17.2357% | 2,390 |
| Memoranda: | ||
| Average total assets | $121,805,102,000 | 24 |
| Average earning assets | $110,214,938,000 | 24 |
| Average equity | $16,566,884,750 | 18 |
| Average total loans | $80,410,898,500 | 21 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4918% | 4,933 |
| Cost of funding earning assets | 0.6053% | 2,194 |
| Net interest margin | 2.8865% | 5,028 |
| Noninterest income to average assets | 1.6048% | 386 |
| Noninterest expense to average assets | 3.2088% | 1,515 |
| Loan and lease loss provision to assets | -0.0197% | 5,324 |
| Net operating income to assets | 0.8140% | 3,809 |
| Return on assets (ROA) | 0.8412% | 3,713 |
| Pretax return on assets | 1.0556% | 3,492 |
| Return on Equity (ROE) | 6.1815% | 4,165 |
| Retained earnings to average equity (ytd only) | 6.1815% | 2,466 |
| Net charge-offs to loans | 0.0319% | 2,216 |
| Credit loss provision to net charge-offs | -93.6125% | 4,082 |
| Earnings coverage of net charge-offs (x) | 47.9320% | 1,152 |
| Efficiency ratio | 75.7045% | 1,463 |
| Assets per employee ($millions) | 9.9508% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5068% | 5,251 |
| Loan loss allowance to noncurrent loans | 105.2161% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3145% | 3,507 |
| Noncurrent loans to loans | 0.4817% | 2,993 |
| Net loans and leases to total assets | 64.9626% | 3,283 |
| Net loans and leases to deposits | 92.9690% | 1,478 |
| Net loans and leases to core deposits | 99.6175% | 1,764 |
| Total domestic deposits to total assets | 69.8755% | 5,282 |
| Equity capital to assets | 13.4156% | 1,133 |
| Core capital (leverage) ratio | 12.0737% | 1,669 |
| Tier 1 risk-based capital ratio | 16.2943% | 2,335 |
| Total risk-based capital ratio | 16.8892% | 2,520 |
| Memoranda: | ||
| Average total assets | $121,079,081,330 | 24 |
| Average earning assets | $109,552,191,330 | 24 |
| Average equity | $16,477,135,000 | 18 |
| Average total loans | $79,827,163,330 | 21 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4503% | 4,952 |
| Cost of funding earning assets | 0.5395% | 2,482 |
| Net interest margin | 2.9108% | 5,012 |
| Noninterest income to average assets | 1.5406% | 409 |
| Noninterest expense to average assets | 3.2326% | 1,493 |
| Loan and lease loss provision to assets | 0.0107% | 3,385 |
| Net operating income to assets | 0.8448% | 3,526 |
| Return on assets (ROA) | 0.8433% | 3,551 |
| Pretax return on assets | 0.9281% | 3,758 |
| Return on Equity (ROE) | 6.1520% | 4,106 |
| Retained earnings to average equity (ytd only) | 6.1520% | 2,643 |
| Net charge-offs to loans | 0.0526% | 1,578 |
| Credit loss provision to net charge-offs | 30.7781% | 2,061 |
| Earnings coverage of net charge-offs (x) | 26.9655% | 1,308 |
| Efficiency ratio | 77.0619% | 1,452 |
| Assets per employee ($millions) | 9.8503% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5347% | 5,285 |
| Loan loss allowance to noncurrent loans | 127.6037% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 3,756 |
| Noncurrent loans to loans | 0.4190% | 3,280 |
| Net loans and leases to total assets | 65.6997% | 3,088 |
| Net loans and leases to deposits | 94.0256% | 1,223 |
| Net loans and leases to core deposits | 99.2852% | 1,741 |
| Total domestic deposits to total assets | 69.8742% | 5,367 |
| Equity capital to assets | 13.5857% | 1,020 |
| Core capital (leverage) ratio | 12.0965% | 1,591 |
| Tier 1 risk-based capital ratio | 16.3114% | 2,350 |
| Total risk-based capital ratio | 17.8016% | 2,204 |
| Memoranda: | ||
| Average total assets | $119,724,924,500 | 24 |
| Average earning assets | $108,265,344,500 | 23 |
| Average equity | $16,412,270,000 | 19 |
| Average total loans | $79,328,179,500 | 20 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2818% | 5,103 |
| Cost of funding earning assets | 0.3871% | 3,368 |
| Net interest margin | 2.8947% | 5,050 |
| Noninterest income to average assets | 1.4538% | 501 |
| Noninterest expense to average assets | 3.0144% | 2,135 |
| Loan and lease loss provision to assets | -0.0659% | 5,424 |
| Net operating income to assets | 0.5393% | 4,265 |
| Return on assets (ROA) | 0.5854% | 4,114 |
| Pretax return on assets | 1.1712% | 2,887 |
| Return on Equity (ROE) | 4.1907% | 4,446 |
| Retained earnings to average equity (ytd only) | 2.2345% | 3,981 |
| Net charge-offs to loans | 0.1061% | 2,006 |
| Credit loss provision to net charge-offs | -94.1086% | 4,704 |
| Earnings coverage of net charge-offs (x) | 15.0405% | 2,273 |
| Efficiency ratio | 73.5280% | 1,977 |
| Assets per employee ($millions) | 9.6939% | 355 |
| Cash dividends to net income (ytd only)* | 46.6798% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5514% | 5,322 |
| Loan loss allowance to noncurrent loans | 96.3998% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 3,344 |
| Noncurrent loans to loans | 0.5719% | 2,787 |
| Net loans and leases to total assets | 66.1022% | 3,088 |
| Net loans and leases to deposits | 90.4189% | 1,721 |
| Net loans and leases to core deposits | 95.7515% | 2,045 |
| Total domestic deposits to total assets | 73.1066% | 5,248 |
| Equity capital to assets | 13.8334% | 954 |
| Core capital (leverage) ratio | 11.7828% | 1,741 |
| Tier 1 risk-based capital ratio | 16.1740% | 2,369 |
| Total risk-based capital ratio | 17.6815% | 2,223 |
| Memoranda: | ||
| Average total assets | $117,094,673,600 | 25 |
| Average earning assets | $105,754,387,800 | 25 |
| Average equity | $16,358,205,000 | 19 |
| Average total loans | $77,326,640,400 | 20 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2389% | 5,182 |
| Cost of funding earning assets | 0.3594% | 3,577 |
| Net interest margin | 2.8795% | 5,114 |
| Noninterest income to average assets | 1.4481% | 513 |
| Noninterest expense to average assets | 2.9865% | 2,143 |
| Loan and lease loss provision to assets | -0.0163% | 5,474 |
| Net operating income to assets | 0.7023% | 3,969 |
| Return on assets (ROA) | 0.7416% | 3,841 |
| Pretax return on assets | 1.1240% | 3,214 |
| Return on Equity (ROE) | 5.2953% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.2953% | 2,690 |
| Net charge-offs to loans | 0.1384% | 1,418 |
| Credit loss provision to net charge-offs | -17.9161% | 4,395 |
| Earnings coverage of net charge-offs (x) | 11.6412% | 2,488 |
| Efficiency ratio | 73.1874% | 2,011 |
| Assets per employee ($millions) | 9.7647% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6454% | 5,246 |
| Loan loss allowance to noncurrent loans | 96.8887% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 3,291 |
| Noncurrent loans to loans | 0.6661% | 2,703 |
| Net loans and leases to total assets | 64.8587% | 3,272 |
| Net loans and leases to deposits | 87.6639% | 2,107 |
| Net loans and leases to core deposits | 92.7613% | 2,375 |
| Total domestic deposits to total assets | 73.9857% | 5,237 |
| Equity capital to assets | 14.0891% | 966 |
| Core capital (leverage) ratio | 12.3573% | 1,481 |
| Tier 1 risk-based capital ratio | 16.2552% | 2,399 |
| Total risk-based capital ratio | 17.8396% | 2,243 |
| Memoranda: | ||
| Average total assets | $116,734,005,750 | 25 |
| Average earning assets | $105,430,767,750 | 25 |
| Average equity | $16,348,331,750 | 19 |
| Average total loans | $76,960,745,250 | 20 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2082% | 5,226 |
| Cost of funding earning assets | 0.3384% | 3,708 |
| Net interest margin | 2.8698% | 5,138 |
| Noninterest income to average assets | 1.4716% | 497 |
| Noninterest expense to average assets | 3.0226% | 2,058 |
| Loan and lease loss provision to assets | -0.0731% | 5,625 |
| Net operating income to assets | 0.7561% | 3,606 |
| Return on assets (ROA) | 0.7922% | 3,490 |
| Pretax return on assets | 1.1546% | 2,959 |
| Return on Equity (ROE) | 5.6679% | 4,196 |
| Retained earnings to average equity (ytd only) | 5.6679% | 2,314 |
| Net charge-offs to loans | 0.1933% | 1,040 |
| Credit loss provision to net charge-offs | -57.1452% | 4,301 |
| Earnings coverage of net charge-offs (x) | 8.1348% | 2,534 |
| Efficiency ratio | 73.8137% | 2,048 |
| Assets per employee ($millions) | 9.5503% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6204% | 5,346 |
| Loan loss allowance to noncurrent loans | 86.1930% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 3,203 |
| Noncurrent loans to loans | 0.7198% | 2,592 |
| Net loans and leases to total assets | 65.4148% | 3,191 |
| Net loans and leases to deposits | 87.7965% | 2,011 |
| Net loans and leases to core deposits | 93.6689% | 2,189 |
| Total domestic deposits to total assets | 74.3968% | 5,258 |
| Equity capital to assets | 14.1285% | 926 |
| Core capital (leverage) ratio | 11.8584% | 1,723 |
| Tier 1 risk-based capital ratio | 15.5409% | 2,689 |
| Total risk-based capital ratio | 17.1321% | 2,492 |
| Memoranda: | ||
| Average total assets | $116,127,715,670 | 25 |
| Average earning assets | $104,859,119,000 | 25 |
| Average equity | $16,230,098,330 | 20 |
| Average total loans | $76,817,210,000 | 20 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1918% | 5,258 |
| Cost of funding earning assets | 0.3243% | 3,809 |
| Net interest margin | 2.8675% | 5,143 |
| Noninterest income to average assets | 1.4773% | 493 |
| Noninterest expense to average assets | 3.0785% | 1,923 |
| Loan and lease loss provision to assets | -0.0474% | 5,714 |
| Net operating income to assets | 0.6577% | 3,901 |
| Return on assets (ROA) | 0.6795% | 3,831 |
| Pretax return on assets | 1.0601% | 3,132 |
| Return on Equity (ROE) | 4.8887% | 4,438 |
| Retained earnings to average equity (ytd only) | 4.8887% | 2,957 |
| Net charge-offs to loans | 0.1965% | 877 |
| Credit loss provision to net charge-offs | -36.3410% | 3,842 |
| Earnings coverage of net charge-offs (x) | 7.5857% | 2,122 |
| Efficiency ratio | 75.1118% | 2,052 |
| Assets per employee ($millions) | 9.6011% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7019% | 5,303 |
| Loan loss allowance to noncurrent loans | 83.7377% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 2,978 |
| Noncurrent loans to loans | 0.8382% | 2,359 |
| Net loans and leases to total assets | 65.9787% | 2,974 |
| Net loans and leases to deposits | 86.4114% | 1,989 |
| Net loans and leases to core deposits | 91.8353% | 2,181 |
| Total domestic deposits to total assets | 76.1589% | 5,215 |
| Equity capital to assets | 13.9601% | 915 |
| Core capital (leverage) ratio | 11.6893% | 1,834 |
| Tier 1 risk-based capital ratio | 14.8516% | 3,046 |
| Total risk-based capital ratio | 16.4787% | 2,799 |
| Memoranda: | ||
| Average total assets | $115,834,232,500 | 25 |
| Average earning assets | $104,611,678,500 | 25 |
| Average equity | $16,100,123,000 | 20 |
| Average total loans | $76,813,166,500 | 19 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1389% | 5,366 |
| Cost of funding earning assets | 0.3449% | 3,582 |
| Net interest margin | 2.7940% | 5,298 |
| Noninterest income to average assets | 1.5844% | 489 |
| Noninterest expense to average assets | 2.9233% | 2,594 |
| Loan and lease loss provision to assets | 0.1078% | 2,247 |
| Net operating income to assets | 0.6762% | 3,887 |
| Return on assets (ROA) | 0.7706% | 3,548 |
| Pretax return on assets | 1.1880% | 2,726 |
| Return on Equity (ROE) | 5.7084% | 4,117 |
| Retained earnings to average equity (ytd only) | 5.7084% | 1,878 |
| Net charge-offs to loans | 0.3070% | 894 |
| Credit loss provision to net charge-offs | 52.5073% | 3,348 |
| Earnings coverage of net charge-offs (x) | 5.7492% | 3,294 |
| Efficiency ratio | 70.6450% | 2,803 |
| Assets per employee ($millions) | 9.6576% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7744% | 5,171 |
| Loan loss allowance to noncurrent loans | 76.6834% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6753% | 2,685 |
| Noncurrent loans to loans | 1.0099% | 2,069 |
| Net loans and leases to total assets | 65.6678% | 3,119 |
| Net loans and leases to deposits | 85.1028% | 2,296 |
| Net loans and leases to core deposits | 91.2692% | 2,364 |
| Total domestic deposits to total assets | 77.0007% | 5,117 |
| Equity capital to assets | 13.8382% | 945 |
| Core capital (leverage) ratio | 11.4585% | 1,963 |
| Tier 1 risk-based capital ratio | 14.6068% | 3,147 |
| Total risk-based capital ratio | 16.2897% | 2,880 |
| Memoranda: | ||
| Average total assets | $116,771,229,400 | 23 |
| Average earning assets | $105,302,995,200 | 23 |
| Average equity | $15,764,042,600 | 20 |
| Average total loans | $78,127,804,000 | 19 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1024% | 5,469 |
| Cost of funding earning assets | 0.3575% | 3,460 |
| Net interest margin | 2.7450% | 5,438 |
| Noninterest income to average assets | 1.4646% | 562 |
| Noninterest expense to average assets | 2.9081% | 2,619 |
| Loan and lease loss provision to assets | 0.1882% | 1,160 |
| Net operating income to assets | 0.5437% | 4,519 |
| Return on assets (ROA) | 0.6553% | 4,179 |
| Pretax return on assets | 0.9777% | 3,712 |
| Return on Equity (ROE) | 4.8845% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.8845% | 2,903 |
| Net charge-offs to loans | 0.3753% | 591 |
| Credit loss provision to net charge-offs | 74.7482% | 2,726 |
| Earnings coverage of net charge-offs (x) | 4.0973% | 3,315 |
| Efficiency ratio | 73.2352% | 2,398 |
| Assets per employee ($millions) | 9.6343% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8332% | 5,093 |
| Loan loss allowance to noncurrent loans | 77.1220% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.7882% | 2,576 |
| Noncurrent loans to loans | 1.0803% | 2,095 |
| Net loans and leases to total assets | 66.3304% | 3,068 |
| Net loans and leases to deposits | 89.0282% | 1,884 |
| Net loans and leases to core deposits | 96.4996% | 1,940 |
| Total domestic deposits to total assets | 74.2927% | 5,405 |
| Equity capital to assets | 13.7899% | 1,122 |
| Core capital (leverage) ratio | 11.2716% | 2,211 |
| Tier 1 risk-based capital ratio | 13.9074% | 3,604 |
| Total risk-based capital ratio | 15.6082% | 3,296 |
| Memoranda: | ||
| Average total assets | $117,075,844,250 | 22 |
| Average earning assets | $105,567,147,750 | 22 |
| Average equity | $15,707,456,000 | 20 |
| Average total loans | $78,541,456,250 | 18 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0788% | 5,567 |
| Cost of funding earning assets | 0.3730% | 3,328 |
| Net interest margin | 2.7058% | 5,560 |
| Noninterest income to average assets | 1.4092% | 583 |
| Noninterest expense to average assets | 2.8529% | 2,833 |
| Loan and lease loss provision to assets | 0.1765% | 1,241 |
| Net operating income to assets | 0.5189% | 4,605 |
| Return on assets (ROA) | 0.5930% | 4,429 |
| Pretax return on assets | 0.9140% | 3,901 |
| Return on Equity (ROE) | 4.4615% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.4615% | 3,075 |
| Net charge-offs to loans | 0.2476% | 956 |
| Credit loss provision to net charge-offs | 106.1470% | 2,017 |
| Earnings coverage of net charge-offs (x) | 5.9970% | 2,792 |
| Efficiency ratio | 73.5238% | 2,427 |
| Assets per employee ($millions) | 9.4844% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 4,960 |
| Loan loss allowance to noncurrent loans | 89.7808% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 2,700 |
| Noncurrent loans to loans | 1.0023% | 2,284 |
| Net loans and leases to total assets | 67.8118% | 2,806 |
| Net loans and leases to deposits | 94.3636% | 1,252 |
| Net loans and leases to core deposits | 102.8889% | 1,410 |
| Total domestic deposits to total assets | 71.6222% | 5,689 |
| Equity capital to assets | 13.7405% | 1,125 |
| Core capital (leverage) ratio | 11.2194% | 2,213 |
| Tier 1 risk-based capital ratio | 13.2734% | 4,034 |
| Total risk-based capital ratio | 14.9845% | 3,680 |
| Memoranda: | ||
| Average total assets | $117,130,532,330 | 22 |
| Average earning assets | $105,654,425,000 | 22 |
| Average equity | $15,569,253,670 | 21 |
| Average total loans | $78,655,410,000 | 19 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0373% | 5,659 |
| Cost of funding earning assets | 0.3789% | 3,308 |
| Net interest margin | 2.6584% | 5,656 |
| Noninterest income to average assets | 1.3093% | 637 |
| Noninterest expense to average assets | 2.9597% | 2,515 |
| Loan and lease loss provision to assets | 0.4983% | 249 |
| Net operating income to assets | 0.1093% | 5,666 |
| Return on assets (ROA) | 0.1781% | 5,629 |
| Pretax return on assets | 0.3395% | 5,433 |
| Return on Equity (ROE) | 1.3626% | 5,635 |
| Retained earnings to average equity (ytd only) | 1.3626% | 4,715 |
| Net charge-offs to loans | 0.0203% | 2,531 |
| Credit loss provision to net charge-offs | 3,682.4209% | 114 |
| Earnings coverage of net charge-offs (x) | 55.6268% | 815 |
| Efficiency ratio | 79.1173% | 1,728 |
| Assets per employee ($millions) | 9.8858% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 4,198 |
| Loan loss allowance to noncurrent loans | 88.1006% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.8294% | 2,618 |
| Noncurrent loans to loans | 1.2204% | 1,984 |
| Net loans and leases to total assets | 65.1972% | 3,081 |
| Net loans and leases to deposits | 86.8644% | 1,961 |
| Net loans and leases to core deposits | 94.9846% | 1,889 |
| Total domestic deposits to total assets | 74.8727% | 5,533 |
| Equity capital to assets | 12.9374% | 1,438 |
| Core capital (leverage) ratio | 10.9802% | 2,422 |
| Tier 1 risk-based capital ratio | 12.8190% | 4,385 |
| Total risk-based capital ratio | 14.6601% | 3,958 |
| Memoranda: | ||
| Average total assets | $117,708,393,000 | 21 |
| Average earning assets | $106,404,522,000 | 22 |
| Average equity | $15,386,149,000 | 21 |
| Average total loans | $78,303,723,500 | 18 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1385% | 5,592 |
| Cost of funding earning assets | 0.3541% | 3,654 |
| Net interest margin | 2.7844% | 5,545 |
| Noninterest income to average assets | 1.2985% | 718 |
| Noninterest expense to average assets | 3.0079% | 2,515 |
| Loan and lease loss provision to assets | 0.1821% | 1,245 |
| Net operating income to assets | 0.4389% | 4,919 |
| Return on assets (ROA) | 0.4904% | 4,821 |
| Pretax return on assets | 0.6769% | 4,593 |
| Return on Equity (ROE) | 3.7019% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.7019% | 3,416 |
| Net charge-offs to loans | 0.0357% | 3,499 |
| Credit loss provision to net charge-offs | 757.3151% | 439 |
| Earnings coverage of net charge-offs (x) | 33.3895% | 1,344 |
| Efficiency ratio | 78.0075% | 1,966 |
| Assets per employee ($millions) | 9.5683% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 5,053 |
| Loan loss allowance to noncurrent loans | 124.1154% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5187% | 3,564 |
| Noncurrent loans to loans | 0.7322% | 2,989 |
| Net loans and leases to total assets | 66.5557% | 2,903 |
| Net loans and leases to deposits | 90.3934% | 1,565 |
| Net loans and leases to core deposits | 99.5318% | 1,550 |
| Total domestic deposits to total assets | 73.4061% | 5,695 |
| Equity capital to assets | 13.2108% | 1,252 |
| Core capital (leverage) ratio | 11.0332% | 2,369 |
| Tier 1 risk-based capital ratio | 13.1843% | 4,179 |
| Total risk-based capital ratio | 14.9083% | 3,842 |
| Memoranda: | ||
| Average total assets | $113,877,925,400 | 21 |
| Average earning assets | $102,739,870,600 | 21 |
| Average equity | $15,086,269,000 | 21 |
| Average total loans | $76,685,207,200 | 16 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1361% | 5,660 |
| Cost of funding earning assets | 0.3462% | 3,794 |
| Net interest margin | 2.7898% | 5,600 |
| Noninterest income to average assets | 1.2655% | 754 |
| Noninterest expense to average assets | 2.9594% | 2,639 |
| Loan and lease loss provision to assets | 0.0518% | 3,159 |
| Net operating income to assets | 0.5263% | 4,697 |
| Return on assets (ROA) | 0.5762% | 4,586 |
| Pretax return on assets | 0.8265% | 4,255 |
| Return on Equity (ROE) | 4.3461% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.3461% | 3,378 |
| Net charge-offs to loans | 0.0587% | 2,766 |
| Credit loss provision to net charge-offs | 131.1245% | 1,866 |
| Earnings coverage of net charge-offs (x) | 20.8105% | 1,850 |
| Efficiency ratio | 77.3031% | 2,050 |
| Assets per employee ($millions) | 9.2605% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 5,727 |
| Loan loss allowance to noncurrent loans | 118.6406% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 4,106 |
| Noncurrent loans to loans | 0.5902% | 3,559 |
| Net loans and leases to total assets | 66.3642% | 2,955 |
| Net loans and leases to deposits | 90.8096% | 1,550 |
| Net loans and leases to core deposits | 99.7254% | 1,541 |
| Total domestic deposits to total assets | 72.8178% | 5,804 |
| Equity capital to assets | 13.4549% | 1,246 |
| Core capital (leverage) ratio | 11.3109% | 2,183 |
| Tier 1 risk-based capital ratio | 13.4201% | 4,183 |
| Total risk-based capital ratio | 14.9695% | 3,946 |
| Memoranda: | ||
| Average total assets | $113,501,482,750 | 21 |
| Average earning assets | $102,384,956,250 | 21 |
| Average equity | $15,047,058,750 | 21 |
| Average total loans | $76,481,838,500 | 16 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1422% | 5,696 |
| Cost of funding earning assets | 0.3457% | 3,860 |
| Net interest margin | 2.7964% | 5,621 |
| Noninterest income to average assets | 1.2274% | 806 |
| Noninterest expense to average assets | 2.9497% | 2,721 |
| Loan and lease loss provision to assets | 0.0386% | 3,347 |
| Net operating income to assets | 0.5211% | 4,679 |
| Return on assets (ROA) | 0.5523% | 4,660 |
| Pretax return on assets | 0.7961% | 4,327 |
| Return on Equity (ROE) | 4.1868% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.1868% | 3,367 |
| Net charge-offs to loans | 0.0593% | 2,545 |
| Credit loss provision to net charge-offs | 96.3385% | 2,124 |
| Earnings coverage of net charge-offs (x) | 19.9362% | 1,730 |
| Efficiency ratio | 77.7418% | 2,106 |
| Assets per employee ($millions) | 8.8781% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6890% | 5,839 |
| Loan loss allowance to noncurrent loans | 132.1601% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3800% | 4,373 |
| Noncurrent loans to loans | 0.5213% | 3,894 |
| Net loans and leases to total assets | 66.6556% | 2,844 |
| Net loans and leases to deposits | 91.6618% | 1,404 |
| Net loans and leases to core deposits | 101.7990% | 1,345 |
| Total domestic deposits to total assets | 72.4710% | 5,910 |
| Equity capital to assets | 13.2622% | 1,270 |
| Core capital (leverage) ratio | 11.1651% | 2,275 |
| Tier 1 risk-based capital ratio | 13.1660% | 4,418 |
| Total risk-based capital ratio | 14.7083% | 4,175 |
| Memoranda: | ||
| Average total assets | $113,215,831,670 | 20 |
| Average earning assets | $102,051,110,670 | 19 |
| Average equity | $14,933,790,670 | 21 |
| Average total loans | $76,499,708,670 | 16 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0647% | 5,825 |
| Cost of funding earning assets | 0.3460% | 3,911 |
| Net interest margin | 2.7187% | 5,776 |
| Noninterest income to average assets | 1.1915% | 800 |
| Noninterest expense to average assets | 3.0124% | 2,545 |
| Loan and lease loss provision to assets | -0.0137% | 6,108 |
| Net operating income to assets | 0.4575% | 4,841 |
| Return on assets (ROA) | 0.4883% | 4,864 |
| Pretax return on assets | 0.6791% | 4,659 |
| Return on Equity (ROE) | 3.7117% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.7117% | 3,784 |
| Net charge-offs to loans | 0.0139% | 2,897 |
| Credit loss provision to net charge-offs | -145.0973% | 4,552 |
| Earnings coverage of net charge-offs (x) | 66.6145% | 669 |
| Efficiency ratio | 81.7208% | 1,654 |
| Assets per employee ($millions) | 9.0897% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6764% | 5,949 |
| Loan loss allowance to noncurrent loans | 124.4511% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4055% | 4,402 |
| Noncurrent loans to loans | 0.5435% | 3,956 |
| Net loans and leases to total assets | 67.4471% | 2,539 |
| Net loans and leases to deposits | 89.2447% | 1,471 |
| Net loans and leases to core deposits | 98.6658% | 1,414 |
| Total domestic deposits to total assets | 75.0646% | 5,822 |
| Equity capital to assets | 13.2585% | 1,279 |
| Core capital (leverage) ratio | 11.0074% | 2,404 |
| Tier 1 risk-based capital ratio | 12.7326% | 4,771 |
| Total risk-based capital ratio | 14.3950% | 4,444 |
| Memoranda: | ||
| Average total assets | $113,061,355,500 | 20 |
| Average earning assets | $101,911,372,500 | 19 |
| Average equity | $14,872,770,000 | 21 |
| Average total loans | $76,651,781,000 | 14 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3394% | 5,639 |
| Cost of funding earning assets | 0.3966% | 3,728 |
| Net interest margin | 2.9428% | 5,561 |
| Noninterest income to average assets | 0.9702% | 1,288 |
| Noninterest expense to average assets | 2.6881% | 3,911 |
| Loan and lease loss provision to assets | -0.0138% | 5,927 |
| Net operating income to assets | 0.6667% | 4,054 |
| Return on assets (ROA) | 0.6995% | 4,013 |
| Pretax return on assets | 0.9756% | 3,593 |
| Return on Equity (ROE) | 5.2360% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.2360% | 2,443 |
| Net charge-offs to loans | 0.0178% | 4,502 |
| Credit loss provision to net charge-offs | -116.7315% | 5,551 |
| Earnings coverage of net charge-offs (x) | 78.0748% | 638 |
| Efficiency ratio | 73.1264% | 3,000 |
| Assets per employee ($millions) | 9.0823% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6881% | 6,009 |
| Loan loss allowance to noncurrent loans | 123.9181% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 4,452 |
| Noncurrent loans to loans | 0.5553% | 3,999 |
| Net loans and leases to total assets | 67.2212% | 2,690 |
| Net loans and leases to deposits | 87.9625% | 1,737 |
| Net loans and leases to core deposits | 98.0906% | 1,543 |
| Total domestic deposits to total assets | 75.9302% | 5,742 |
| Equity capital to assets | 13.0508% | 1,350 |
| Core capital (leverage) ratio | 11.0869% | 2,329 |
| Tier 1 risk-based capital ratio | 13.0871% | 4,666 |
| Total risk-based capital ratio | 14.7844% | 4,330 |
| Memoranda: | ||
| Average total assets | $108,730,395,600 | 19 |
| Average earning assets | $97,566,547,600 | 19 |
| Average equity | $14,526,208,800 | 21 |
| Average total loans | $72,093,841,200 | 15 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3914% | 5,610 |
| Cost of funding earning assets | 0.4055% | 3,722 |
| Net interest margin | 2.9859% | 5,524 |
| Noninterest income to average assets | 0.8830% | 1,579 |
| Noninterest expense to average assets | 2.6168% | 4,143 |
| Loan and lease loss provision to assets | -0.0290% | 6,123 |
| Net operating income to assets | 0.7365% | 3,745 |
| Return on assets (ROA) | 0.7737% | 3,655 |
| Pretax return on assets | 1.0134% | 3,542 |
| Return on Equity (ROE) | 5.7565% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.7565% | 2,566 |
| Net charge-offs to loans | 0.0246% | 4,016 |
| Credit loss provision to net charge-offs | -178.3611% | 5,540 |
| Earnings coverage of net charge-offs (x) | 57.9570% | 884 |
| Efficiency ratio | 72.1903% | 3,147 |
| Assets per employee ($millions) | 8.9502% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6974% | 6,108 |
| Loan loss allowance to noncurrent loans | 109.9304% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 4,536 |
| Noncurrent loans to loans | 0.6344% | 4,029 |
| Net loans and leases to total assets | 66.9727% | 2,689 |
| Net loans and leases to deposits | 89.1819% | 1,527 |
| Net loans and leases to core deposits | 99.1479% | 1,436 |
| Total domestic deposits to total assets | 74.6839% | 5,952 |
| Equity capital to assets | 13.4619% | 1,200 |
| Core capital (leverage) ratio | 11.2790% | 2,235 |
| Tier 1 risk-based capital ratio | 13.0912% | 4,804 |
| Total risk-based capital ratio | 14.8058% | 4,445 |
| Memoranda: | ||
| Average total assets | $107,632,968,000 | 20 |
| Average earning assets | $96,417,327,500 | 20 |
| Average equity | $14,466,989,250 | 22 |
| Average total loans | $70,975,415,000 | 17 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4526% | 5,511 |
| Cost of funding earning assets | 0.4138% | 3,725 |
| Net interest margin | 3.0388% | 5,422 |
| Noninterest income to average assets | 0.6623% | 2,473 |
| Noninterest expense to average assets | 2.4494% | 4,740 |
| Loan and lease loss provision to assets | -0.0218% | 6,250 |
| Net operating income to assets | 0.7216% | 3,722 |
| Return on assets (ROA) | 0.7511% | 3,664 |
| Pretax return on assets | 0.9851% | 3,535 |
| Return on Equity (ROE) | 5.5912% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.5912% | 2,587 |
| Net charge-offs to loans | 0.0042% | 4,236 |
| Credit loss provision to net charge-offs | -788.6856% | 5,677 |
| Earnings coverage of net charge-offs (x) | 336.2507% | 204 |
| Efficiency ratio | 71.0282% | 3,496 |
| Assets per employee ($millions) | 10.1158% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 6,081 |
| Loan loss allowance to noncurrent loans | 88.4122% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 4,163 |
| Noncurrent loans to loans | 0.8524% | 3,574 |
| Net loans and leases to total assets | 66.1125% | 2,732 |
| Net loans and leases to deposits | 87.2190% | 1,678 |
| Net loans and leases to core deposits | 98.1500% | 1,433 |
| Total domestic deposits to total assets | 75.0497% | 6,017 |
| Equity capital to assets | 13.5278% | 1,147 |
| Core capital (leverage) ratio | 11.2100% | 2,233 |
| Tier 1 risk-based capital ratio | 13.0379% | 4,884 |
| Total risk-based capital ratio | 14.7921% | 4,499 |
| Memoranda: | ||
| Average total assets | $106,737,343,000 | 19 |
| Average earning assets | $95,435,442,000 | 20 |
| Average equity | $14,338,942,330 | 22 |
| Average total loans | $69,832,881,330 | 17 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3088% | 5,823 |
| Cost of funding earning assets | 0.4182% | 3,783 |
| Net interest margin | 2.8906% | 5,773 |
| Noninterest income to average assets | 0.6537% | 2,441 |
| Noninterest expense to average assets | 2.4910% | 4,654 |
| Loan and lease loss provision to assets | -0.1091% | 6,503 |
| Net operating income to assets | 0.6265% | 4,059 |
| Return on assets (ROA) | 0.6502% | 4,048 |
| Pretax return on assets | 0.8805% | 3,777 |
| Return on Equity (ROE) | 4.8575% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.8575% | 3,202 |
| Net charge-offs to loans | -0.0376% | 5,689 |
| Credit loss provision to net charge-offs | 447.1762% | 601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4358% | 2,883 |
| Assets per employee ($millions) | 9.8674% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7657% | 6,164 |
| Loan loss allowance to noncurrent loans | 91.9618% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 4,370 |
| Noncurrent loans to loans | 0.8326% | 3,803 |
| Net loans and leases to total assets | 64.7437% | 2,767 |
| Net loans and leases to deposits | 84.6262% | 1,758 |
| Net loans and leases to core deposits | 96.6150% | 1,341 |
| Total domestic deposits to total assets | 75.7089% | 6,098 |
| Equity capital to assets | 13.4108% | 1,134 |
| Core capital (leverage) ratio | 11.1488% | 2,266 |
| Tier 1 risk-based capital ratio | 13.1009% | 4,952 |
| Total risk-based capital ratio | 15.0502% | 4,424 |
| Memoranda: | ||
| Average total assets | $105,991,376,500 | 19 |
| Average earning assets | $94,703,462,500 | 20 |
| Average equity | $14,187,913,000 | 22 |
| Average total loans | $68,701,121,500 | 17 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4478% | 5,737 |
| Cost of funding earning assets | 0.4180% | 4,452 |
| Net interest margin | 3.0298% | 5,507 |
| Noninterest income to average assets | 0.6480% | 2,818 |
| Noninterest expense to average assets | 2.7672% | 3,846 |
| Loan and lease loss provision to assets | -0.0434% | 6,362 |
| Net operating income to assets | 0.4669% | 4,884 |
| Return on assets (ROA) | 0.6189% | 4,283 |
| Pretax return on assets | 0.8278% | 4,040 |
| Return on Equity (ROE) | 5.0694% | 4,591 |
| Retained earnings to average equity (ytd only) | 5.0694% | 2,544 |
| Net charge-offs to loans | 0.0468% | 4,567 |
| Credit loss provision to net charge-offs | -146.4089% | 5,940 |
| Earnings coverage of net charge-offs (x) | 19.7628% | 1,589 |
| Efficiency ratio | 80.6324% | 2,065 |
| Assets per employee ($millions) | 9.6584% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 6,122 |
| Loan loss allowance to noncurrent loans | 97.1553% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 4,422 |
| Noncurrent loans to loans | 0.8451% | 3,867 |
| Net loans and leases to total assets | 63.8577% | 3,062 |
| Net loans and leases to deposits | 83.6164% | 1,980 |
| Net loans and leases to core deposits | 96.2660% | 1,432 |
| Total domestic deposits to total assets | 75.6237% | 6,125 |
| Equity capital to assets | 13.3607% | 1,117 |
| Core capital (leverage) ratio | 11.1290% | 2,256 |
| Tier 1 risk-based capital ratio | 12.9396% | 5,021 |
| Total risk-based capital ratio | 14.9093% | 4,492 |
| Memoranda: | ||
| Average total assets | $100,918,465,800 | 19 |
| Average earning assets | $90,084,929,000 | 19 |
| Average equity | $12,319,983,600 | 23 |
| Average total loans | $63,864,906,600 | 18 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4294% | 5,819 |
| Cost of funding earning assets | 0.4089% | 4,743 |
| Net interest margin | 3.0205% | 5,542 |
| Noninterest income to average assets | 0.6522% | 2,876 |
| Noninterest expense to average assets | 2.8129% | 3,613 |
| Loan and lease loss provision to assets | -0.0267% | 6,503 |
| Net operating income to assets | 0.4179% | 5,171 |
| Return on assets (ROA) | 0.6122% | 4,425 |
| Pretax return on assets | 0.8144% | 4,239 |
| Return on Equity (ROE) | 5.1425% | 4,652 |
| Retained earnings to average equity (ytd only) | 5.1425% | 2,975 |
| Net charge-offs to loans | 0.0460% | 4,253 |
| Credit loss provision to net charge-offs | -92.0491% | 5,774 |
| Earnings coverage of net charge-offs (x) | 18.4734% | 1,679 |
| Efficiency ratio | 82.0760% | 1,814 |
| Assets per employee ($millions) | 9.6458% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 6,077 |
| Loan loss allowance to noncurrent loans | 82.3403% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.7485% | 4,235 |
| Noncurrent loans to loans | 1.0813% | 3,636 |
| Net loans and leases to total assets | 63.0327% | 3,160 |
| Net loans and leases to deposits | 82.2893% | 2,104 |
| Net loans and leases to core deposits | 95.0012% | 1,476 |
| Total domestic deposits to total assets | 76.1394% | 6,154 |
| Equity capital to assets | 11.3502% | 2,433 |
| Core capital (leverage) ratio | 9.5583% | 4,317 |
| Tier 1 risk-based capital ratio | 10.9625% | 6,300 |
| Total risk-based capital ratio | 12.9951% | 5,883 |
| Memoranda: | ||
| Average total assets | $99,826,464,750 | 20 |
| Average earning assets | $89,093,414,000 | 19 |
| Average equity | $11,883,233,500 | 23 |
| Average total loans | $62,883,614,500 | 18 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4524% | 5,787 |
| Cost of funding earning assets | 0.4342% | 4,616 |
| Net interest margin | 3.0183% | 5,528 |
| Noninterest income to average assets | 0.6274% | 3,032 |
| Noninterest expense to average assets | 2.8853% | 3,378 |
| Loan and lease loss provision to assets | -0.0183% | 6,593 |
| Net operating income to assets | 0.3346% | 5,470 |
| Return on assets (ROA) | 0.5356% | 4,799 |
| Pretax return on assets | 0.7154% | 4,635 |
| Return on Equity (ROE) | 4.4256% | 5,041 |
| Retained earnings to average equity (ytd only) | 4.4256% | 3,457 |
| Net charge-offs to loans | 0.0720% | 3,681 |
| Credit loss provision to net charge-offs | -40.4007% | 5,525 |
| Earnings coverage of net charge-offs (x) | 9.5338% | 2,270 |
| Efficiency ratio | 84.9856% | 1,532 |
| Assets per employee ($millions) | 9.3445% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 6,054 |
| Loan loss allowance to noncurrent loans | 82.4241% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 4,244 |
| Noncurrent loans to loans | 1.1278% | 3,680 |
| Net loans and leases to total assets | 63.5713% | 2,991 |
| Net loans and leases to deposits | 82.6238% | 1,977 |
| Net loans and leases to core deposits | 96.7586% | 1,291 |
| Total domestic deposits to total assets | 76.2939% | 6,221 |
| Equity capital to assets | 11.5728% | 2,239 |
| Core capital (leverage) ratio | 9.6880% | 3,952 |
| Tier 1 risk-based capital ratio | 10.8487% | 6,397 |
| Total risk-based capital ratio | 12.9280% | 5,959 |
| Memoranda: | ||
| Average total assets | $98,116,548,000 | 20 |
| Average earning assets | $87,400,175,000 | 20 |
| Average equity | $11,873,394,330 | 23 |
| Average total loans | $61,594,452,330 | 19 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4685% | 5,787 |
| Cost of funding earning assets | 0.4388% | 4,716 |
| Net interest margin | 3.0298% | 5,484 |
| Noninterest income to average assets | 0.5726% | 3,286 |
| Noninterest expense to average assets | 2.9517% | 3,152 |
| Loan and lease loss provision to assets | -0.0057% | 6,728 |
| Net operating income to assets | 0.2282% | 5,796 |
| Return on assets (ROA) | 0.5320% | 4,674 |
| Pretax return on assets | 0.7335% | 4,428 |
| Return on Equity (ROE) | 4.2972% | 4,942 |
| Retained earnings to average equity (ytd only) | 4.2972% | 3,645 |
| Net charge-offs to loans | 0.0964% | 2,888 |
| Credit loss provision to net charge-offs | -9.4828% | 4,963 |
| Earnings coverage of net charge-offs (x) | 5.2184% | 2,394 |
| Efficiency ratio | 88.3448% | 1,294 |
| Assets per employee ($millions) | 8.4561% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 5,848 |
| Loan loss allowance to noncurrent loans | 96.4800% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.7620% | 4,471 |
| Noncurrent loans to loans | 1.0752% | 4,000 |
| Net loans and leases to total assets | 61.8217% | 3,098 |
| Net loans and leases to deposits | 79.5316% | 2,149 |
| Net loans and leases to core deposits | 91.8860% | 1,513 |
| Total domestic deposits to total assets | 77.1911% | 6,227 |
| Equity capital to assets | 12.4218% | 1,759 |
| Core capital (leverage) ratio | 10.0274% | 3,341 |
| Tier 1 risk-based capital ratio | 11.7618% | 6,056 |
| Total risk-based capital ratio | 13.2449% | 5,878 |
| Memoranda: | ||
| Average total assets | $96,331,450,000 | 21 |
| Average earning assets | $85,565,276,000 | 21 |
| Average equity | $11,926,073,500 | 23 |
| Average total loans | $59,766,620,000 | 21 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7186% | 6,014 |
| Cost of funding earning assets | 0.4588% | 5,510 |
| Net interest margin | 3.2598% | 5,399 |
| Noninterest income to average assets | 0.7110% | 2,669 |
| Noninterest expense to average assets | 2.8289% | 3,908 |
| Loan and lease loss provision to assets | 0.0480% | 5,224 |
| Net operating income to assets | 0.5044% | 4,678 |
| Return on assets (ROA) | 0.6075% | 4,468 |
| Pretax return on assets | 0.8676% | 4,039 |
| Return on Equity (ROE) | 4.9580% | 4,694 |
| Retained earnings to average equity (ytd only) | -3.6265% | 6,322 |
| Net charge-offs to loans | 0.2493% | 3,442 |
| Credit loss provision to net charge-offs | 31.7569% | 5,092 |
| Earnings coverage of net charge-offs (x) | 5.1322% | 3,138 |
| Efficiency ratio | 76.0090% | 2,743 |
| Assets per employee ($millions) | 8.3934% | 423 |
| Cash dividends to net income (ytd only)* | 173.1441% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0761% | 5,650 |
| Loan loss allowance to noncurrent loans | 101.0369% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7720% | 4,531 |
| Noncurrent loans to loans | 1.0650% | 4,078 |
| Net loans and leases to total assets | 60.9525% | 3,427 |
| Net loans and leases to deposits | 78.1804% | 2,500 |
| Net loans and leases to core deposits | 90.3667% | 1,793 |
| Total domestic deposits to total assets | 77.3225% | 6,187 |
| Equity capital to assets | 12.3387% | 1,833 |
| Core capital (leverage) ratio | 10.5108% | 2,753 |
| Tier 1 risk-based capital ratio | 11.6841% | 5,968 |
| Total risk-based capital ratio | 13.1712% | 5,793 |
| Memoranda: | ||
| Average total assets | $90,311,846,600 | 22 |
| Average earning assets | $80,160,890,800 | 22 |
| Average equity | $11,066,492,400 | 24 |
| Average total loans | $54,750,639,400 | 22 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 6,112 |
| Cost of funding earning assets | 0.4658% | 5,676 |
| Net interest margin | 3.2911% | 5,426 |
| Noninterest income to average assets | 0.6997% | 2,713 |
| Noninterest expense to average assets | 2.7694% | 4,093 |
| Loan and lease loss provision to assets | 0.0622% | 4,934 |
| Net operating income to assets | 0.5634% | 4,554 |
| Return on assets (ROA) | 0.6800% | 4,270 |
| Pretax return on assets | 0.9501% | 3,917 |
| Return on Equity (ROE) | 5.5599% | 4,566 |
| Retained earnings to average equity (ytd only) | 5.5599% | 2,996 |
| Net charge-offs to loans | 0.3129% | 2,877 |
| Credit loss provision to net charge-offs | 32.9565% | 4,749 |
| Earnings coverage of net charge-offs (x) | 4.5402% | 3,278 |
| Efficiency ratio | 73.7783% | 3,025 |
| Assets per employee ($millions) | 8.3806% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,318 |
| Loan loss allowance to noncurrent loans | 102.3929% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.8464% | 4,600 |
| Noncurrent loans to loans | 1.1644% | 4,121 |
| Net loans and leases to total assets | 61.8349% | 3,413 |
| Net loans and leases to deposits | 81.3771% | 2,202 |
| Net loans and leases to core deposits | 95.2530% | 1,463 |
| Total domestic deposits to total assets | 75.2047% | 6,493 |
| Equity capital to assets | 12.9366% | 1,624 |
| Core capital (leverage) ratio | 10.7683% | 2,638 |
| Tier 1 risk-based capital ratio | 12.3487% | 5,734 |
| Total risk-based capital ratio | 13.9675% | 5,426 |
| Memoranda: | ||
| Average total assets | $88,809,125,250 | 23 |
| Average earning assets | $78,985,811,250 | 23 |
| Average equity | $10,861,880,250 | 24 |
| Average total loans | $53,600,853,250 | 22 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 6,272 |
| Cost of funding earning assets | 0.4682% | 5,839 |
| Net interest margin | 3.2710% | 5,527 |
| Noninterest income to average assets | 0.7159% | 2,575 |
| Noninterest expense to average assets | 2.7084% | 4,370 |
| Loan and lease loss provision to assets | -0.0116% | 7,029 |
| Net operating income to assets | 0.6603% | 4,059 |
| Return on assets (ROA) | 0.7557% | 3,849 |
| Pretax return on assets | 1.0529% | 3,503 |
| Return on Equity (ROE) | 6.2976% | 4,160 |
| Retained earnings to average equity (ytd only) | 6.2976% | 2,504 |
| Net charge-offs to loans | 0.3144% | 2,773 |
| Credit loss provision to net charge-offs | -6.1955% | 5,918 |
| Earnings coverage of net charge-offs (x) | 4.8817% | 2,964 |
| Efficiency ratio | 72.1686% | 3,406 |
| Assets per employee ($millions) | 8.3453% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 5,381 |
| Loan loss allowance to noncurrent loans | 91.1868% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 4,521 |
| Noncurrent loans to loans | 1.3101% | 3,958 |
| Net loans and leases to total assets | 60.6006% | 3,712 |
| Net loans and leases to deposits | 81.6770% | 2,159 |
| Net loans and leases to core deposits | 96.1655% | 1,414 |
| Total domestic deposits to total assets | 73.2415% | 6,732 |
| Equity capital to assets | 12.5448% | 1,789 |
| Core capital (leverage) ratio | 10.3607% | 2,971 |
| Tier 1 risk-based capital ratio | 12.3406% | 5,691 |
| Total risk-based capital ratio | 13.9725% | 5,370 |
| Memoranda: | ||
| Average total assets | $89,272,902,330 | 23 |
| Average earning assets | $79,359,594,670 | 22 |
| Average equity | $10,712,872,000 | 24 |
| Average total loans | $53,232,140,000 | 22 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 6,474 |
| Cost of funding earning assets | 0.4662% | 6,045 |
| Net interest margin | 3.2139% | 5,746 |
| Noninterest income to average assets | 0.8130% | 2,100 |
| Noninterest expense to average assets | 2.7077% | 4,394 |
| Loan and lease loss provision to assets | 0.0391% | 4,900 |
| Net operating income to assets | 0.6543% | 4,107 |
| Return on assets (ROA) | 0.7336% | 3,952 |
| Pretax return on assets | 1.0292% | 3,574 |
| Return on Equity (ROE) | 6.2502% | 4,163 |
| Retained earnings to average equity (ytd only) | 6.2502% | 2,817 |
| Net charge-offs to loans | 0.4049% | 2,090 |
| Credit loss provision to net charge-offs | 16.4291% | 3,828 |
| Earnings coverage of net charge-offs (x) | 4.0521% | 2,680 |
| Efficiency ratio | 71.2151% | 3,586 |
| Assets per employee ($millions) | 8.7994% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 5,090 |
| Loan loss allowance to noncurrent loans | 94.4364% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9320% | 4,654 |
| Noncurrent loans to loans | 1.3603% | 4,082 |
| Net loans and leases to total assets | 57.6253% | 4,108 |
| Net loans and leases to deposits | 79.9936% | 2,200 |
| Net loans and leases to core deposits | 97.1438% | 1,189 |
| Total domestic deposits to total assets | 70.5339% | 6,956 |
| Equity capital to assets | 11.6948% | 2,267 |
| Core capital (leverage) ratio | 10.1449% | 3,181 |
| Tier 1 risk-based capital ratio | 12.2904% | 5,764 |
| Total risk-based capital ratio | 14.2078% | 5,218 |
| Memoranda: | ||
| Average total assets | $90,271,610,000 | 23 |
| Average earning assets | $80,315,149,000 | 22 |
| Average equity | $10,595,037,500 | 24 |
| Average total loans | $53,083,733,500 | 22 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 6,625 |
| Cost of funding earning assets | 0.4950% | 6,556 |
| Net interest margin | 3.3988% | 5,484 |
| Noninterest income to average assets | 0.9010% | 1,669 |
| Noninterest expense to average assets | 2.9062% | 3,936 |
| Loan and lease loss provision to assets | -0.3354% | 7,322 |
| Net operating income to assets | 0.9078% | 2,568 |
| Return on assets (ROA) | 0.9731% | 2,444 |
| Pretax return on assets | 1.4144% | 1,734 |
| Return on Equity (ROE) | 7.7969% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.7969% | 1,154 |
| Net charge-offs to loans | 0.2865% | 3,980 |
| Credit loss provision to net charge-offs | -194.5493% | 6,744 |
| Earnings coverage of net charge-offs (x) | 5.7489% | 2,696 |
| Efficiency ratio | 71.2577% | 3,739 |
| Assets per employee ($millions) | 8.5242% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 4,468 |
| Loan loss allowance to noncurrent loans | 95.5421% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 1.0288% | 4,551 |
| Noncurrent loans to loans | 1.4634% | 3,963 |
| Net loans and leases to total assets | 58.4180% | 4,296 |
| Net loans and leases to deposits | 79.6077% | 2,594 |
| Net loans and leases to core deposits | 96.1784% | 1,477 |
| Total domestic deposits to total assets | 72.0883% | 6,867 |
| Equity capital to assets | 11.7802% | 2,282 |
| Core capital (leverage) ratio | 10.2487% | 3,029 |
| Tier 1 risk-based capital ratio | 12.3875% | 5,548 |
| Total risk-based capital ratio | 14.4299% | 4,908 |
| Memoranda: | ||
| Average total assets | $82,197,469,600 | 23 |
| Average earning assets | $72,465,842,000 | 22 |
| Average equity | $10,259,123,000 | 24 |
| Average total loans | $49,465,965,800 | 23 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 6,663 |
| Cost of funding earning assets | 0.4955% | 6,712 |
| Net interest margin | 3.4521% | 5,386 |
| Noninterest income to average assets | 0.9579% | 1,457 |
| Noninterest expense to average assets | 2.9400% | 3,774 |
| Loan and lease loss provision to assets | -0.4460% | 7,406 |
| Net operating income to assets | 1.0136% | 2,272 |
| Return on assets (ROA) | 1.0962% | 2,135 |
| Pretax return on assets | 1.6156% | 1,343 |
| Return on Equity (ROE) | 8.6490% | 2,765 |
| Retained earnings to average equity (ytd only) | 8.6490% | 1,263 |
| Net charge-offs to loans | 0.3498% | 3,347 |
| Credit loss provision to net charge-offs | -210.9493% | 6,580 |
| Earnings coverage of net charge-offs (x) | 4.9918% | 2,907 |
| Efficiency ratio | 70.5189% | 3,854 |
| Assets per employee ($millions) | 7.9042% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4987% | 4,107 |
| Loan loss allowance to noncurrent loans | 80.7670% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 4,216 |
| Noncurrent loans to loans | 1.8556% | 3,559 |
| Net loans and leases to total assets | 59.5809% | 4,214 |
| Net loans and leases to deposits | 81.8744% | 2,384 |
| Net loans and leases to core deposits | 96.8810% | 1,520 |
| Total domestic deposits to total assets | 71.3674% | 6,972 |
| Equity capital to assets | 12.6787% | 1,801 |
| Core capital (leverage) ratio | 10.6270% | 2,728 |
| Tier 1 risk-based capital ratio | 12.7056% | 5,326 |
| Total risk-based capital ratio | 14.7816% | 4,680 |
| Memoranda: | ||
| Average total assets | $80,504,953,000 | 22 |
| Average earning assets | $70,836,197,500 | 21 |
| Average equity | $10,203,772,500 | 24 |
| Average total loans | $48,654,954,750 | 23 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0074% | 6,647 |
| Cost of funding earning assets | 0.4849% | 6,890 |
| Net interest margin | 3.5225% | 5,060 |
| Noninterest income to average assets | 1.0227% | 1,266 |
| Noninterest expense to average assets | 2.9659% | 3,771 |
| Loan and lease loss provision to assets | -0.6332% | 7,484 |
| Net operating income to assets | 1.1455% | 1,735 |
| Return on assets (ROA) | 1.2563% | 1,494 |
| Pretax return on assets | 1.9490% | 645 |
| Return on Equity (ROE) | 9.9131% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.9131% | 866 |
| Net charge-offs to loans | 0.3855% | 3,017 |
| Credit loss provision to net charge-offs | -271.8709% | 6,420 |
| Earnings coverage of net charge-offs (x) | 4.9515% | 2,731 |
| Efficiency ratio | 68.9939% | 4,330 |
| Assets per employee ($millions) | 7.4185% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6681% | 3,426 |
| Loan loss allowance to noncurrent loans | 82.8083% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.4064% | 4,109 |
| Noncurrent loans to loans | 2.0144% | 3,463 |
| Net loans and leases to total assets | 60.0100% | 4,271 |
| Net loans and leases to deposits | 83.0896% | 2,259 |
| Net loans and leases to core deposits | 98.5224% | 1,467 |
| Total domestic deposits to total assets | 70.4661% | 7,087 |
| Equity capital to assets | 13.0229% | 1,507 |
| Core capital (leverage) ratio | 10.6295% | 2,588 |
| Tier 1 risk-based capital ratio | 12.7112% | 5,169 |
| Total risk-based capital ratio | 14.8057% | 4,466 |
| Memoranda: | ||
| Average total assets | $79,493,438,000 | 23 |
| Average earning assets | $69,877,015,670 | 22 |
| Average equity | $10,074,466,000 | 25 |
| Average total loans | $48,029,642,670 | 24 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 6,700 |
| Cost of funding earning assets | 0.4694% | 7,068 |
| Net interest margin | 3.5300% | 4,881 |
| Noninterest income to average assets | 1.0643% | 1,160 |
| Noninterest expense to average assets | 3.0397% | 3,484 |
| Loan and lease loss provision to assets | -0.6523% | 7,544 |
| Net operating income to assets | 1.1615% | 1,622 |
| Return on assets (ROA) | 1.2726% | 1,388 |
| Pretax return on assets | 1.9404% | 620 |
| Return on Equity (ROE) | 10.1819% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.1819% | 1,084 |
| Net charge-offs to loans | 0.4417% | 2,375 |
| Credit loss provision to net charge-offs | -245.6935% | 5,831 |
| Earnings coverage of net charge-offs (x) | 4.2471% | 2,533 |
| Efficiency ratio | 69.9693% | 4,282 |
| Assets per employee ($millions) | 7.4589% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0442% | 2,303 |
| Loan loss allowance to noncurrent loans | 90.6785% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.5405% | 3,936 |
| Noncurrent loans to loans | 2.2543% | 3,249 |
| Net loans and leases to total assets | 58.3161% | 4,590 |
| Net loans and leases to deposits | 79.2474% | 2,850 |
| Net loans and leases to core deposits | 93.6589% | 1,936 |
| Total domestic deposits to total assets | 71.7754% | 7,088 |
| Equity capital to assets | 12.5342% | 1,615 |
| Core capital (leverage) ratio | 10.3133% | 2,791 |
| Tier 1 risk-based capital ratio | 12.4599% | 5,301 |
| Total risk-based capital ratio | 14.7798% | 4,371 |
| Memoranda: | ||
| Average total assets | $79,432,600,000 | 23 |
| Average earning assets | $69,824,863,000 | 22 |
| Average equity | $9,927,610,000 | 25 |
| Average total loans | $47,750,712,000 | 24 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8619% | 7,223 |
| Cost of funding earning assets | 0.5423% | 7,239 |
| Net interest margin | 3.3197% | 5,912 |
| Noninterest income to average assets | 0.9510% | 1,671 |
| Noninterest expense to average assets | 2.8594% | 4,378 |
| Loan and lease loss provision to assets | 0.1927% | 5,302 |
| Net operating income to assets | 0.5589% | 3,855 |
| Return on assets (ROA) | 0.6677% | 3,496 |
| Pretax return on assets | 0.9806% | 2,995 |
| Return on Equity (ROE) | 5.7414% | 3,717 |
| Retained earnings to average equity (ytd only) | 5.7414% | 1,967 |
| Net charge-offs to loans | 0.7652% | 2,726 |
| Credit loss provision to net charge-offs | 43.9164% | 6,338 |
| Earnings coverage of net charge-offs (x) | 2.3300% | 3,979 |
| Efficiency ratio | 69.7819% | 4,226 |
| Assets per employee ($millions) | 7.3624% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4274% | 1,511 |
| Loan loss allowance to noncurrent loans | 90.9310% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.8455% | 3,567 |
| Noncurrent loans to loans | 2.6695% | 2,847 |
| Net loans and leases to total assets | 59.2340% | 4,801 |
| Net loans and leases to deposits | 77.2909% | 3,621 |
| Net loans and leases to core deposits | 91.9537% | 2,505 |
| Total domestic deposits to total assets | 73.8535% | 6,910 |
| Equity capital to assets | 12.4614% | 1,658 |
| Core capital (leverage) ratio | 9.5518% | 3,642 |
| Tier 1 risk-based capital ratio | 11.5274% | 5,883 |
| Total risk-based capital ratio | 13.8543% | 4,919 |
| Memoranda: | ||
| Average total assets | $82,424,456,400 | 23 |
| Average earning assets | $72,772,981,400 | 22 |
| Average equity | $9,584,891,000 | 24 |
| Average total loans | $47,274,788,600 | 23 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7964% | 7,403 |
| Cost of funding earning assets | 0.5659% | 7,358 |
| Net interest margin | 3.2305% | 6,249 |
| Noninterest income to average assets | 0.9204% | 1,723 |
| Noninterest expense to average assets | 2.6571% | 5,079 |
| Loan and lease loss provision to assets | 0.3350% | 3,924 |
| Net operating income to assets | 0.5131% | 4,251 |
| Return on assets (ROA) | 0.6060% | 4,017 |
| Pretax return on assets | 0.9159% | 3,506 |
| Return on Equity (ROE) | 5.3005% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.3005% | 2,773 |
| Net charge-offs to loans | 0.8576% | 2,304 |
| Credit loss provision to net charge-offs | 69.0488% | 5,446 |
| Earnings coverage of net charge-offs (x) | 2.3061% | 4,009 |
| Efficiency ratio | 66.4245% | 4,768 |
| Assets per employee ($millions) | 8.0753% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6352% | 1,161 |
| Loan loss allowance to noncurrent loans | 75.9280% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 2.3159% | 3,063 |
| Noncurrent loans to loans | 3.4706% | 2,293 |
| Net loans and leases to total assets | 58.2339% | 5,230 |
| Net loans and leases to deposits | 74.6722% | 4,403 |
| Net loans and leases to core deposits | 87.7262% | 3,410 |
| Total domestic deposits to total assets | 76.0192% | 6,651 |
| Equity capital to assets | 12.3648% | 1,933 |
| Core capital (leverage) ratio | 9.1371% | 4,472 |
| Tier 1 risk-based capital ratio | 11.4126% | 6,008 |
| Total risk-based capital ratio | 13.7473% | 4,962 |
| Memoranda: | ||
| Average total assets | $83,361,857,000 | 23 |
| Average earning assets | $73,685,351,500 | 22 |
| Average equity | $9,530,112,250 | 24 |
| Average total loans | $47,153,074,250 | 23 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6964% | 7,531 |
| Cost of funding earning assets | 0.5775% | 7,443 |
| Net interest margin | 3.1188% | 6,555 |
| Noninterest income to average assets | 0.8869% | 1,738 |
| Noninterest expense to average assets | 2.6040% | 5,311 |
| Loan and lease loss provision to assets | 0.5086% | 2,762 |
| Net operating income to assets | 0.3846% | 4,825 |
| Return on assets (ROA) | 0.5034% | 4,457 |
| Pretax return on assets | 0.7053% | 4,215 |
| Return on Equity (ROE) | 4.5182% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.5182% | 3,197 |
| Net charge-offs to loans | 0.9091% | 2,016 |
| Credit loss provision to net charge-offs | 100.7121% | 4,042 |
| Earnings coverage of net charge-offs (x) | 2.0850% | 3,988 |
| Efficiency ratio | 67.1774% | 4,732 |
| Assets per employee ($millions) | 8.5992% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8068% | 995 |
| Loan loss allowance to noncurrent loans | 81.1451% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 2.2286% | 3,224 |
| Noncurrent loans to loans | 3.4590% | 2,296 |
| Net loans and leases to total assets | 55.5787% | 5,773 |
| Net loans and leases to deposits | 69.9633% | 5,282 |
| Net loans and leases to core deposits | 85.0357% | 3,989 |
| Total domestic deposits to total assets | 76.8283% | 6,542 |
| Equity capital to assets | 11.4804% | 2,462 |
| Core capital (leverage) ratio | 8.4703% | 5,460 |
| Tier 1 risk-based capital ratio | 10.9796% | 6,253 |
| Total risk-based capital ratio | 13.3089% | 5,227 |
| Memoranda: | ||
| Average total assets | $84,697,031,670 | 23 |
| Average earning assets | $75,226,015,670 | 22 |
| Average equity | $9,436,067,330 | 24 |
| Average total loans | $47,049,762,670 | 22 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6078% | 7,676 |
| Cost of funding earning assets | 0.6003% | 7,538 |
| Net interest margin | 3.0075% | 6,816 |
| Noninterest income to average assets | 0.8064% | 1,988 |
| Noninterest expense to average assets | 2.4495% | 5,912 |
| Loan and lease loss provision to assets | 0.8066% | 1,565 |
| Net operating income to assets | 0.1937% | 5,712 |
| Return on assets (ROA) | 0.3338% | 5,275 |
| Pretax return on assets | 0.4180% | 5,235 |
| Return on Equity (ROE) | 3.0421% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.0421% | 4,315 |
| Net charge-offs to loans | 1.0329% | 1,595 |
| Credit loss provision to net charge-offs | 142.6452% | 2,497 |
| Earnings coverage of net charge-offs (x) | 1.8587% | 3,624 |
| Efficiency ratio | 65.7074% | 5,180 |
| Assets per employee ($millions) | 8.7874% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0117% | 811 |
| Loan loss allowance to noncurrent loans | 97.1914% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 1.7424% | 3,863 |
| Noncurrent loans to loans | 3.0988% | 2,585 |
| Net loans and leases to total assets | 52.8609% | 6,166 |
| Net loans and leases to deposits | 67.1647% | 5,688 |
| Net loans and leases to core deposits | 82.6766% | 4,396 |
| Total domestic deposits to total assets | 76.1828% | 6,724 |
| Equity capital to assets | 11.0531% | 2,714 |
| Core capital (leverage) ratio | 8.3621% | 5,622 |
| Tier 1 risk-based capital ratio | 10.9212% | 6,229 |
| Total risk-based capital ratio | 13.2673% | 5,141 |
| Memoranda: | ||
| Average total assets | $85,124,484,500 | 23 |
| Average earning assets | $76,254,914,500 | 22 |
| Average equity | $9,341,393,500 | 24 |
| Average total loans | $46,602,583,000 | 22 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 7,598 |
| Cost of funding earning assets | 0.8120% | 7,538 |
| Net interest margin | 3.3999% | 5,367 |
| Noninterest income to average assets | 0.9470% | 1,762 |
| Noninterest expense to average assets | 2.7635% | 5,113 |
| Loan and lease loss provision to assets | 1.4707% | 1,568 |
| Net operating income to assets | -0.1095% | 5,693 |
| Return on assets (ROA) | -0.0893% | 5,669 |
| Pretax return on assets | -0.2579% | 5,784 |
| Return on Equity (ROE) | -0.8247% | 5,673 |
| Retained earnings to average equity (ytd only) | -0.8247% | 5,210 |
| Net charge-offs to loans | 1.0074% | 2,400 |
| Credit loss provision to net charge-offs | 226.4605% | 1,649 |
| Earnings coverage of net charge-offs (x) | 1.8190% | 4,359 |
| Efficiency ratio | 64.5747% | 5,665 |
| Assets per employee ($millions) | 8.7614% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8696% | 865 |
| Loan loss allowance to noncurrent loans | 101.6804% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.5903% | 3,992 |
| Noncurrent loans to loans | 2.8222% | 2,735 |
| Net loans and leases to total assets | 53.4120% | 6,259 |
| Net loans and leases to deposits | 66.0647% | 6,039 |
| Net loans and leases to core deposits | 74.5195% | 6,505 |
| Total domestic deposits to total assets | 78.6845% | 6,070 |
| Equity capital to assets | 10.8946% | 2,780 |
| Core capital (leverage) ratio | 9.0533% | 4,336 |
| Tier 1 risk-based capital ratio | 11.3908% | 5,523 |
| Total risk-based capital ratio | 13.7278% | 4,486 |
| Memoranda: | ||
| Average total assets | $74,894,655,400 | 25 |
| Average earning assets | $66,037,760,600 | 24 |
| Average equity | $8,109,815,400 | 27 |
| Average total loans | $48,279,173,600 | 22 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3608% | 7,633 |
| Cost of funding earning assets | 0.8603% | 7,614 |
| Net interest margin | 3.5005% | 4,866 |
| Noninterest income to average assets | 0.9599% | 1,740 |
| Noninterest expense to average assets | 2.8480% | 4,682 |
| Loan and lease loss provision to assets | 1.6846% | 1,104 |
| Net operating income to assets | -0.2358% | 6,120 |
| Return on assets (ROA) | -0.2218% | 6,110 |
| Pretax return on assets | -0.4815% | 6,273 |
| Return on Equity (ROE) | -2.0516% | 6,104 |
| Retained earnings to average equity (ytd only) | -2.0516% | 5,735 |
| Net charge-offs to loans | 1.0761% | 1,852 |
| Credit loss provision to net charge-offs | 232.7828% | 1,875 |
| Earnings coverage of net charge-offs (x) | 1.6322% | 4,570 |
| Efficiency ratio | 65.1105% | 5,529 |
| Assets per employee ($millions) | 7.9685% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6141% | 952 |
| Loan loss allowance to noncurrent loans | 93.3774% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.7664% | 3,714 |
| Noncurrent loans to loans | 2.7995% | 2,714 |
| Net loans and leases to total assets | 59.9093% | 5,594 |
| Net loans and leases to deposits | 75.9736% | 5,048 |
| Net loans and leases to core deposits | 88.6942% | 5,567 |
| Total domestic deposits to total assets | 75.2905% | 6,721 |
| Equity capital to assets | 11.7903% | 2,360 |
| Core capital (leverage) ratio | 9.6622% | 3,700 |
| Tier 1 risk-based capital ratio | 10.8064% | 6,148 |
| Total risk-based capital ratio | 13.1289% | 5,017 |
| Memoranda: | ||
| Average total assets | $72,319,383,500 | 26 |
| Average earning assets | $63,411,652,750 | 26 |
| Average equity | $7,816,835,500 | 28 |
| Average total loans | $48,636,680,750 | 24 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5173% | 7,614 |
| Cost of funding earning assets | 0.9135% | 7,679 |
| Net interest margin | 3.6038% | 4,343 |
| Noninterest income to average assets | 1.0027% | 1,587 |
| Noninterest expense to average assets | 2.9559% | 4,273 |
| Loan and lease loss provision to assets | 1.6956% | 990 |
| Net operating income to assets | -0.2548% | 6,268 |
| Return on assets (ROA) | -0.2562% | 6,283 |
| Pretax return on assets | -0.5113% | 6,437 |
| Return on Equity (ROE) | -2.4520% | 6,291 |
| Retained earnings to average equity (ytd only) | -2.4520% | 5,850 |
| Net charge-offs to loans | 1.0422% | 1,717 |
| Credit loss provision to net charge-offs | 234.5606% | 1,974 |
| Earnings coverage of net charge-offs (x) | 1.6414% | 4,313 |
| Efficiency ratio | 65.7987% | 5,581 |
| Assets per employee ($millions) | 7.5139% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2070% | 1,235 |
| Loan loss allowance to noncurrent loans | 95.9482% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 1.5616% | 3,885 |
| Noncurrent loans to loans | 2.3002% | 3,138 |
| Net loans and leases to total assets | 64.4861% | 4,877 |
| Net loans and leases to deposits | 80.4096% | 4,483 |
| Net loans and leases to core deposits | 92.0271% | 5,348 |
| Total domestic deposits to total assets | 76.1861% | 6,509 |
| Equity capital to assets | 9.9689% | 3,985 |
| Core capital (leverage) ratio | 7.5447% | 6,966 |
| Tier 1 risk-based capital ratio | 8.3392% | 7,874 |
| Total risk-based capital ratio | 10.6859% | 7,404 |
| Memoranda: | ||
| Average total assets | $70,514,928,670 | 25 |
| Average earning assets | $61,434,419,000 | 26 |
| Average equity | $7,367,464,670 | 27 |
| Average total loans | $48,909,170,670 | 23 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 7,501 |
| Cost of funding earning assets | 0.9722% | 7,717 |
| Net interest margin | 3.7344% | 3,740 |
| Noninterest income to average assets | 1.0234% | 1,419 |
| Noninterest expense to average assets | 3.0002% | 3,766 |
| Loan and lease loss provision to assets | 1.3889% | 920 |
| Net operating income to assets | -0.0381% | 6,313 |
| Return on assets (ROA) | -0.0381% | 6,444 |
| Pretax return on assets | -0.1352% | 6,510 |
| Return on Equity (ROE) | -0.3560% | 6,451 |
| Retained earnings to average equity (ytd only) | -0.3560% | 5,732 |
| Net charge-offs to loans | 0.8746% | 1,494 |
| Credit loss provision to net charge-offs | 223.0929% | 2,033 |
| Earnings coverage of net charge-offs (x) | 2.0138% | 3,714 |
| Efficiency ratio | 64.9550% | 5,512 |
| Assets per employee ($millions) | 6.9499% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7460% | 1,992 |
| Loan loss allowance to noncurrent loans | 103.2559% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 1.2474% | 4,188 |
| Noncurrent loans to loans | 1.6909% | 3,718 |
| Net loans and leases to total assets | 70.6281% | 3,547 |
| Net loans and leases to deposits | 96.8926% | 1,813 |
| Net loans and leases to core deposits | 115.9680% | 2,807 |
| Total domestic deposits to total assets | 68.9091% | 7,527 |
| Equity capital to assets | 10.8157% | 3,166 |
| Core capital (leverage) ratio | 8.2487% | 6,002 |
| Tier 1 risk-based capital ratio | 8.5620% | 7,932 |
| Total risk-based capital ratio | 10.9088% | 7,214 |
| Memoranda: | ||
| Average total assets | $68,995,639,500 | 26 |
| Average earning assets | $59,687,735,500 | 29 |
| Average equity | $7,384,948,500 | 28 |
| Average total loans | $49,112,630,500 | 24 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5071% | 7,284 |
| Cost of funding earning assets | 1.7125% | 7,231 |
| Net interest margin | 3.7946% | 4,047 |
| Noninterest income to average assets | 1.2431% | 961 |
| Noninterest expense to average assets | 3.0448% | 3,923 |
| Loan and lease loss provision to assets | 0.8381% | 1,782 |
| Net operating income to assets | 0.4922% | 4,776 |
| Return on assets (ROA) | 0.4675% | 4,696 |
| Pretax return on assets | 0.6895% | 4,433 |
| Return on Equity (ROE) | 5.4491% | 4,177 |
| Retained earnings to average equity (ytd only) | 1.1305% | 4,554 |
| Net charge-offs to loans | 0.3775% | 2,952 |
| Credit loss provision to net charge-offs | 300.4278% | 1,500 |
| Earnings coverage of net charge-offs (x) | 5.5640% | 3,606 |
| Efficiency ratio | 64.6321% | 5,415 |
| Assets per employee ($millions) | 7.0158% | 706 |
| Cash dividends to net income (ytd only)* | 79.2540% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 2,808 |
| Loan loss allowance to noncurrent loans | 151.3069% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7158% | 5,077 |
| Noncurrent loans to loans | 0.9742% | 4,646 |
| Net loans and leases to total assets | 69.4571% | 4,153 |
| Net loans and leases to deposits | 102.2065% | 1,573 |
| Net loans and leases to core deposits | 128.5627% | 1,960 |
| Total domestic deposits to total assets | 63.1805% | 7,828 |
| Equity capital to assets | 10.5937% | 3,398 |
| Core capital (leverage) ratio | 8.3106% | 5,929 |
| Tier 1 risk-based capital ratio | 8.6739% | 7,951 |
| Total risk-based capital ratio | 11.0133% | 6,898 |
| Memoranda: | ||
| Average total assets | $60,992,954,200 | 33 |
| Average earning assets | $53,909,205,200 | 32 |
| Average equity | $5,233,130,000 | 33 |
| Average total loans | $45,073,314,000 | 26 |