Home > People's United Bank > Performance and Condition Ratios
People's United Bank, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6217% | 4,088 |
| Cost of funding earning assets | 0.0763% | 4,392 |
| Net interest margin | 2.5454% | 3,797 |
| Noninterest income to average assets | 0.5099% | 2,098 |
| Noninterest expense to average assets | 2.5445% | 1,774 |
| Loan and lease loss provision to assets | -0.0059% | 4,408 |
| Net operating income to assets | 0.1384% | 4,422 |
| Return on assets (ROA) | 0.1384% | 4,391 |
| Pretax return on assets | 0.2682% | 4,233 |
| Return on Equity (ROE) | 1.1657% | 4,397 |
| Retained earnings to average equity (ytd only) | -6.6202% | 4,480 |
| Net charge-offs to loans | 0.0073% | 1,482 |
| Credit loss provision to net charge-offs | -300.0000% | 3,037 |
| Earnings coverage of net charge-offs (x) | 61.8178% | 844 |
| Efficiency ratio | 88.8465% | 604 |
| Assets per employee ($millions) | 11.7996% | 422 |
| Cash dividends to net income (ytd only)* | 667.9389% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 3,929 |
| Loan loss allowance to noncurrent loans | 110.4749% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 1,217 |
| Noncurrent loans to loans | 0.8499% | 1,100 |
| Net loans and leases to total assets | 57.2972% | 2,379 |
| Net loans and leases to deposits | 67.1764% | 2,228 |
| Net loans and leases to core deposits | 70.0230% | 2,288 |
| Total domestic deposits to total assets | 85.2936% | 3,471 |
| Equity capital to assets | 11.6746% | 1,067 |
| Core capital (leverage) ratio | 8.5268% | 3,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0384% | 2,188 |
| Memoranda: | ||
| Average total assets | $63,618,839,500 | 43 |
| Average earning assets | $57,408,081,500 | 45 |
| Average equity | $7,552,108,000 | 41 |
| Average total loans | $37,096,031,500 | 45 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8706% | 4,101 |
| Cost of funding earning assets | 0.1411% | 4,056 |
| Net interest margin | 2.7295% | 3,820 |
| Noninterest income to average assets | 0.5491% | 2,366 |
| Noninterest expense to average assets | 1.8305% | 4,087 |
| Loan and lease loss provision to assets | -0.0736% | 4,459 |
| Net operating income to assets | 0.9959% | 2,691 |
| Return on assets (ROA) | 0.9959% | 2,756 |
| Pretax return on assets | 1.2468% | 2,529 |
| Return on Equity (ROE) | 8.2198% | 3,152 |
| Retained earnings to average equity (ytd only) | 2.5455% | 3,818 |
| Net charge-offs to loans | 0.0811% | 990 |
| Credit loss provision to net charge-offs | -144.4584% | 3,442 |
| Earnings coverage of net charge-offs (x) | 22.3674% | 1,798 |
| Efficiency ratio | 59.0044% | 3,300 |
| Assets per employee ($millions) | 11.9888% | 398 |
| Cash dividends to net income (ytd only)* | 69.0316% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 4,049 |
| Loan loss allowance to noncurrent loans | 118.5224% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 1,461 |
| Noncurrent loans to loans | 0.7652% | 1,326 |
| Net loans and leases to total assets | 58.2341% | 2,352 |
| Net loans and leases to deposits | 69.1536% | 2,208 |
| Net loans and leases to core deposits | 72.2953% | 2,234 |
| Total domestic deposits to total assets | 84.2097% | 3,504 |
| Equity capital to assets | 12.0620% | 1,227 |
| Core capital (leverage) ratio | 8.6398% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9768% | 2,256 |
| Memoranda: | ||
| Average total assets | $63,563,011,600 | 43 |
| Average earning assets | $57,161,507,000 | 44 |
| Average equity | $7,701,421,800 | 40 |
| Average total loans | $41,114,165,600 | 38 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9174% | 4,139 |
| Cost of funding earning assets | 0.1497% | 4,111 |
| Net interest margin | 2.7677% | 3,845 |
| Noninterest income to average assets | 0.5516% | 2,404 |
| Noninterest expense to average assets | 1.8652% | 4,021 |
| Loan and lease loss provision to assets | -0.0824% | 4,561 |
| Net operating income to assets | 1.0056% | 2,886 |
| Return on assets (ROA) | 1.0057% | 2,950 |
| Pretax return on assets | 1.2544% | 2,760 |
| Return on Equity (ROE) | 8.2910% | 3,319 |
| Retained earnings to average equity (ytd only) | 3.1195% | 3,863 |
| Net charge-offs to loans | 0.0967% | 752 |
| Credit loss provision to net charge-offs | -139.1290% | 3,290 |
| Earnings coverage of net charge-offs (x) | 18.3113% | 1,789 |
| Efficiency ratio | 59.4267% | 3,078 |
| Assets per employee ($millions) | 11.7126% | 403 |
| Cash dividends to net income (ytd only)* | 62.3752% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 4,171 |
| Loan loss allowance to noncurrent loans | 110.1178% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 1,504 |
| Noncurrent loans to loans | 0.8092% | 1,407 |
| Net loans and leases to total assets | 61.7530% | 2,037 |
| Net loans and leases to deposits | 73.4369% | 1,910 |
| Net loans and leases to core deposits | 77.1632% | 1,949 |
| Total domestic deposits to total assets | 84.0898% | 3,439 |
| Equity capital to assets | 12.1520% | 1,331 |
| Core capital (leverage) ratio | 8.7735% | 3,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6253% | 2,497 |
| Memoranda: | ||
| Average total assets | $63,337,797,250 | 44 |
| Average earning assets | $56,878,127,250 | 44 |
| Average equity | $7,682,864,000 | 41 |
| Average total loans | $41,921,820,500 | 39 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9664% | 4,104 |
| Cost of funding earning assets | 0.1612% | 4,110 |
| Net interest margin | 2.8052% | 3,779 |
| Noninterest income to average assets | 0.5444% | 2,429 |
| Noninterest expense to average assets | 1.9050% | 3,951 |
| Loan and lease loss provision to assets | -0.1635% | 4,725 |
| Net operating income to assets | 1.0466% | 2,732 |
| Return on assets (ROA) | 1.0466% | 2,809 |
| Pretax return on assets | 1.3204% | 2,582 |
| Return on Equity (ROE) | 8.6333% | 3,218 |
| Retained earnings to average equity (ytd only) | 5.2448% | 3,100 |
| Net charge-offs to loans | 0.1066% | 711 |
| Credit loss provision to net charge-offs | -238.2385% | 3,253 |
| Earnings coverage of net charge-offs (x) | 16.0819% | 1,612 |
| Efficiency ratio | 60.1727% | 2,998 |
| Assets per employee ($millions) | 11.2214% | 436 |
| Cash dividends to net income (ytd only)* | 39.2499% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 4,296 |
| Loan loss allowance to noncurrent loans | 106.1860% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 1,572 |
| Noncurrent loans to loans | 0.7928% | 1,536 |
| Net loans and leases to total assets | 65.0047% | 1,828 |
| Net loans and leases to deposits | 77.4350% | 1,684 |
| Net loans and leases to core deposits | 81.5174% | 1,758 |
| Total domestic deposits to total assets | 83.9474% | 3,459 |
| Equity capital to assets | 12.3052% | 1,216 |
| Core capital (leverage) ratio | 8.7771% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5390% | 2,531 |
| Memoranda: | ||
| Average total assets | $63,293,538,667 | 44 |
| Average earning assets | $56,802,225,000 | 44 |
| Average equity | $7,672,847,667 | 41 |
| Average total loans | $42,713,309,333 | 39 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9946% | 4,099 |
| Cost of funding earning assets | 0.1807% | 4,075 |
| Net interest margin | 2.8138% | 3,725 |
| Noninterest income to average assets | 0.5350% | 2,459 |
| Noninterest expense to average assets | 1.9189% | 3,940 |
| Loan and lease loss provision to assets | -0.0858% | 4,703 |
| Net operating income to assets | 0.9737% | 2,890 |
| Return on assets (ROA) | 0.9737% | 2,985 |
| Pretax return on assets | 1.2276% | 2,767 |
| Return on Equity (ROE) | 8.0926% | 3,296 |
| Retained earnings to average equity (ytd only) | 8.0926% | 2,207 |
| Net charge-offs to loans | 0.1148% | 616 |
| Credit loss provision to net charge-offs | -108.8353% | 2,845 |
| Earnings coverage of net charge-offs (x) | 14.5369% | 1,361 |
| Efficiency ratio | 60.4357% | 2,979 |
| Assets per employee ($millions) | 11.0302% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 4,070 |
| Loan loss allowance to noncurrent loans | 112.5630% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 1,687 |
| Noncurrent loans to loans | 0.8282% | 1,615 |
| Net loans and leases to total assets | 66.3318% | 1,752 |
| Net loans and leases to deposits | 78.9018% | 1,626 |
| Net loans and leases to core deposits | 88.2854% | 1,343 |
| Total domestic deposits to total assets | 84.0688% | 3,411 |
| Equity capital to assets | 11.9744% | 1,300 |
| Core capital (leverage) ratio | 8.6915% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4513% | 2,511 |
| Memoranda: | ||
| Average total assets | $63,402,696,000 | 44 |
| Average earning assets | $56,910,646,500 | 44 |
| Average equity | $7,628,495,000 | 41 |
| Average total loans | $43,394,984,000 | 38 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4538% | 4,110 |
| Cost of funding earning assets | 0.4060% | 3,539 |
| Net interest margin | 3.0479% | 3,761 |
| Noninterest income to average assets | 0.7401% | 1,720 |
| Noninterest expense to average assets | 1.9742% | 4,190 |
| Loan and lease loss provision to assets | 0.2566% | 1,516 |
| Net operating income to assets | 0.9785% | 2,361 |
| Return on assets (ROA) | 0.9785% | 2,512 |
| Pretax return on assets | 1.2002% | 2,321 |
| Return on Equity (ROE) | 7.5597% | 2,976 |
| Retained earnings to average equity (ytd only) | 1.2243% | 4,135 |
| Net charge-offs to loans | 0.1116% | 1,359 |
| Credit loss provision to net charge-offs | 313.2459% | 1,688 |
| Earnings coverage of net charge-offs (x) | 17.7493% | 2,062 |
| Efficiency ratio | 55.5847% | 4,035 |
| Assets per employee ($millions) | 10.6425% | 440 |
| Cash dividends to net income (ytd only)* | 83.8052% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,987 |
| Loan loss allowance to noncurrent loans | 128.7203% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 1,965 |
| Noncurrent loans to loans | 0.7510% | 1,823 |
| Net loans and leases to total assets | 68.8934% | 1,708 |
| Net loans and leases to deposits | 82.9561% | 1,549 |
| Net loans and leases to core deposits | 93.0934% | 1,301 |
| Total domestic deposits to total assets | 83.0480% | 3,398 |
| Equity capital to assets | 12.5811% | 1,280 |
| Core capital (leverage) ratio | 8.7093% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7624% | 2,709 |
| Memoranda: | ||
| Average total assets | $60,728,141,400 | 42 |
| Average earning assets | $53,616,272,400 | 42 |
| Average equity | $7,860,605,200 | 38 |
| Average total loans | $44,648,677,800 | 36 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5742% | 4,078 |
| Cost of funding earning assets | 0.4642% | 3,447 |
| Net interest margin | 3.1100% | 3,713 |
| Noninterest income to average assets | 0.6269% | 2,076 |
| Noninterest expense to average assets | 2.0108% | 4,123 |
| Loan and lease loss provision to assets | 0.3131% | 1,277 |
| Net operating income to assets | 0.8478% | 2,915 |
| Return on assets (ROA) | 0.8478% | 3,041 |
| Pretax return on assets | 1.0433% | 2,928 |
| Return on Equity (ROE) | 6.5016% | 3,370 |
| Retained earnings to average equity (ytd only) | 0.4454% | 4,395 |
| Net charge-offs to loans | 0.1083% | 1,253 |
| Credit loss provision to net charge-offs | 388.2884% | 1,495 |
| Earnings coverage of net charge-offs (x) | 16.7911% | 2,046 |
| Efficiency ratio | 57.6660% | 3,714 |
| Assets per employee ($millions) | 10.0770% | 495 |
| Cash dividends to net income (ytd only)* | 93.1498% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 3,950 |
| Loan loss allowance to noncurrent loans | 138.3250% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 2,150 |
| Noncurrent loans to loans | 0.6767% | 2,101 |
| Net loans and leases to total assets | 74.0065% | 1,367 |
| Net loans and leases to deposits | 89.6671% | 1,303 |
| Net loans and leases to core deposits | 100.4822% | 1,128 |
| Total domestic deposits to total assets | 82.5347% | 3,269 |
| Equity capital to assets | 13.0167% | 1,177 |
| Core capital (leverage) ratio | 8.6757% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3029% | 2,837 |
| Memoranda: | ||
| Average total assets | $60,106,062,000 | 41 |
| Average earning assets | $52,960,893,000 | 41 |
| Average equity | $7,837,421,500 | 38 |
| Average total loans | $44,816,584,500 | 36 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6854% | 4,117 |
| Cost of funding earning assets | 0.5462% | 3,262 |
| Net interest margin | 3.1393% | 3,811 |
| Noninterest income to average assets | 0.6467% | 1,943 |
| Noninterest expense to average assets | 2.0604% | 4,114 |
| Loan and lease loss provision to assets | 0.3814% | 1,082 |
| Net operating income to assets | 0.7747% | 3,137 |
| Return on assets (ROA) | 0.7747% | 3,248 |
| Pretax return on assets | 0.9729% | 3,103 |
| Return on Equity (ROE) | 5.9374% | 3,530 |
| Retained earnings to average equity (ytd only) | -0.8653% | 4,455 |
| Net charge-offs to loans | 0.0856% | 1,394 |
| Credit loss provision to net charge-offs | 598.2154% | 1,114 |
| Earnings coverage of net charge-offs (x) | 21.2410% | 1,659 |
| Efficiency ratio | 58.2982% | 3,656 |
| Assets per employee ($millions) | 10.0198% | 497 |
| Cash dividends to net income (ytd only)* | 114.5737% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 3,961 |
| Loan loss allowance to noncurrent loans | 139.0832% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 2,323 |
| Noncurrent loans to loans | 0.6540% | 2,226 |
| Net loans and leases to total assets | 73.6069% | 1,459 |
| Net loans and leases to deposits | 89.8264% | 1,370 |
| Net loans and leases to core deposits | 102.7966% | 1,078 |
| Total domestic deposits to total assets | 81.9435% | 3,389 |
| Equity capital to assets | 12.7738% | 1,243 |
| Core capital (leverage) ratio | 8.4648% | 4,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2309% | 2,905 |
| Memoranda: | ||
| Average total assets | $59,940,399,333 | 41 |
| Average earning assets | $52,852,238,667 | 41 |
| Average equity | $7,820,385,667 | 38 |
| Average total loans | $44,664,123,333 | 36 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8963% | 4,042 |
| Cost of funding earning assets | 0.7482% | 2,680 |
| Net interest margin | 3.1481% | 3,987 |
| Noninterest income to average assets | 0.7695% | 1,396 |
| Noninterest expense to average assets | 2.1445% | 4,128 |
| Loan and lease loss provision to assets | 0.2258% | 1,374 |
| Net operating income to assets | 0.9226% | 2,447 |
| Return on assets (ROA) | 0.9226% | 2,554 |
| Pretax return on assets | 1.1754% | 2,287 |
| Return on Equity (ROE) | 6.9960% | 2,951 |
| Retained earnings to average equity (ytd only) | -0.0141% | 3,993 |
| Net charge-offs to loans | 0.0955% | 1,115 |
| Credit loss provision to net charge-offs | 316.9177% | 1,136 |
| Earnings coverage of net charge-offs (x) | 19.6683% | 1,433 |
| Efficiency ratio | 58.4499% | 3,945 |
| Assets per employee ($millions) | 9.6393% | 426 |
| Cash dividends to net income (ytd only)* | 100.2019% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7712% | 4,470 |
| Loan loss allowance to noncurrent loans | 143.2163% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 2,777 |
| Noncurrent loans to loans | 0.5385% | 2,649 |
| Net loans and leases to total assets | 73.0305% | 1,773 |
| Net loans and leases to deposits | 97.7708% | 743 |
| Net loans and leases to core deposits | 111.7019% | 772 |
| Total domestic deposits to total assets | 74.6956% | 4,604 |
| Equity capital to assets | 13.0129% | 1,420 |
| Core capital (leverage) ratio | 8.9421% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9705% | 3,109 |
| Memoranda: | ||
| Average total assets | $59,275,182,500 | 41 |
| Average earning assets | $52,270,337,500 | 41 |
| Average equity | $7,817,259,500 | 38 |
| Average total loans | $44,239,413,000 | 35 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 3,777 |
| Cost of funding earning assets | 0.9901% | 1,768 |
| Net interest margin | 3.2240% | 4,138 |
| Noninterest income to average assets | 0.7640% | 1,568 |
| Noninterest expense to average assets | 2.2333% | 4,097 |
| Loan and lease loss provision to assets | 0.0550% | 2,927 |
| Net operating income to assets | 1.0571% | 2,630 |
| Return on assets (ROA) | 1.0572% | 2,724 |
| Pretax return on assets | 1.3247% | 2,416 |
| Return on Equity (ROE) | 7.8210% | 3,238 |
| Retained earnings to average equity (ytd only) | 1.2444% | 4,296 |
| Net charge-offs to loans | 0.0574% | 2,281 |
| Credit loss provision to net charge-offs | 128.0332% | 1,993 |
| Earnings coverage of net charge-offs (x) | 32.1166% | 1,513 |
| Efficiency ratio | 60.0625% | 3,679 |
| Assets per employee ($millions) | 9.1778% | 473 |
| Cash dividends to net income (ytd only)* | 84.0896% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5582% | 4,807 |
| Loan loss allowance to noncurrent loans | 109.5123% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.4188% | 2,719 |
| Noncurrent loans to loans | 0.5097% | 2,662 |
| Net loans and leases to total assets | 75.2803% | 1,538 |
| Net loans and leases to deposits | 99.7082% | 624 |
| Net loans and leases to core deposits | 114.2284% | 663 |
| Total domestic deposits to total assets | 75.5007% | 4,656 |
| Equity capital to assets | 13.3689% | 1,339 |
| Core capital (leverage) ratio | 9.2532% | 4,318 |
| Tier 1 risk-based capital ratio | 10.8513% | 4,907 |
| Total risk-based capital ratio | 12.1179% | 4,810 |
| Memoranda: | ||
| Average total assets | $51,403,954,800 | 42 |
| Average earning assets | $45,422,640,400 | 44 |
| Average equity | $6,948,804,400 | 40 |
| Average total loans | $38,481,732,600 | 37 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 3,727 |
| Cost of funding earning assets | 1.0359% | 1,601 |
| Net interest margin | 3.2417% | 4,204 |
| Noninterest income to average assets | 0.7567% | 1,573 |
| Noninterest expense to average assets | 2.2253% | 4,137 |
| Loan and lease loss provision to assets | 0.0563% | 2,777 |
| Net operating income to assets | 1.0702% | 2,687 |
| Return on assets (ROA) | 1.0702% | 2,773 |
| Pretax return on assets | 1.3375% | 2,536 |
| Return on Equity (ROE) | 7.8916% | 3,359 |
| Retained earnings to average equity (ytd only) | 1.4785% | 4,441 |
| Net charge-offs to loans | 0.0553% | 2,043 |
| Credit loss provision to net charge-offs | 136.4204% | 1,755 |
| Earnings coverage of net charge-offs (x) | 33.7684% | 1,516 |
| Efficiency ratio | 59.8027% | 3,682 |
| Assets per employee ($millions) | 8.9190% | 502 |
| Cash dividends to net income (ytd only)* | 81.2653% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6333% | 4,761 |
| Loan loss allowance to noncurrent loans | 140.1414% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 2,994 |
| Noncurrent loans to loans | 0.4519% | 2,951 |
| Net loans and leases to total assets | 74.4745% | 1,719 |
| Net loans and leases to deposits | 98.9758% | 722 |
| Net loans and leases to core deposits | 114.0505% | 748 |
| Total domestic deposits to total assets | 75.2452% | 4,722 |
| Equity capital to assets | 13.4580% | 1,382 |
| Core capital (leverage) ratio | 8.8339% | 4,756 |
| Tier 1 risk-based capital ratio | 10.8043% | 4,985 |
| Total risk-based capital ratio | 12.2355% | 4,802 |
| Memoranda: | ||
| Average total assets | $49,669,071,000 | 43 |
| Average earning assets | $43,858,199,000 | 45 |
| Average equity | $6,736,036,750 | 41 |
| Average total loans | $37,060,238,000 | 39 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2828% | 3,682 |
| Cost of funding earning assets | 1.0307% | 1,569 |
| Net interest margin | 3.2521% | 4,235 |
| Noninterest income to average assets | 0.7549% | 1,502 |
| Noninterest expense to average assets | 2.2481% | 4,132 |
| Loan and lease loss provision to assets | 0.0538% | 2,747 |
| Net operating income to assets | 1.0532% | 2,710 |
| Return on assets (ROA) | 1.0533% | 2,779 |
| Pretax return on assets | 1.3299% | 2,442 |
| Return on Equity (ROE) | 7.7454% | 3,407 |
| Retained earnings to average equity (ytd only) | 1.9468% | 4,131 |
| Net charge-offs to loans | 0.0524% | 1,894 |
| Credit loss provision to net charge-offs | 137.6687% | 1,591 |
| Earnings coverage of net charge-offs (x) | 35.4330% | 1,326 |
| Efficiency ratio | 60.2506% | 3,684 |
| Assets per employee ($millions) | 8.8199% | 504 |
| Cash dividends to net income (ytd only)* | 74.8651% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6319% | 4,820 |
| Loan loss allowance to noncurrent loans | 125.4532% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 2,918 |
| Noncurrent loans to loans | 0.5037% | 2,770 |
| Net loans and leases to total assets | 74.6781% | 1,771 |
| Net loans and leases to deposits | 96.3187% | 1,001 |
| Net loans and leases to core deposits | 111.1231% | 910 |
| Total domestic deposits to total assets | 77.5324% | 4,478 |
| Equity capital to assets | 13.5203% | 1,310 |
| Core capital (leverage) ratio | 8.8564% | 4,750 |
| Tier 1 risk-based capital ratio | 10.9529% | 4,933 |
| Total risk-based capital ratio | 12.4071% | 4,743 |
| Memoranda: | ||
| Average total assets | $48,952,318,000 | 44 |
| Average earning assets | $43,301,581,330 | 45 |
| Average equity | $6,656,764,330 | 41 |
| Average total loans | $36,467,592,330 | 39 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 3,772 |
| Cost of funding earning assets | 0.9973% | 1,572 |
| Net interest margin | 3.2354% | 4,317 |
| Noninterest income to average assets | 0.7356% | 1,477 |
| Noninterest expense to average assets | 2.2907% | 4,048 |
| Loan and lease loss provision to assets | 0.0468% | 2,714 |
| Net operating income to assets | 1.0008% | 2,835 |
| Return on assets (ROA) | 1.0009% | 2,875 |
| Pretax return on assets | 1.2601% | 2,591 |
| Return on Equity (ROE) | 7.3376% | 3,528 |
| Retained earnings to average equity (ytd only) | 0.9495% | 4,320 |
| Net charge-offs to loans | 0.0574% | 1,468 |
| Credit loss provision to net charge-offs | 109.8367% | 1,497 |
| Earnings coverage of net charge-offs (x) | 30.6837% | 1,318 |
| Efficiency ratio | 62.1158% | 3,517 |
| Assets per employee ($millions) | 8.3852% | 584 |
| Cash dividends to net income (ytd only)* | 87.0599% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 4,817 |
| Loan loss allowance to noncurrent loans | 128.1613% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 2,925 |
| Noncurrent loans to loans | 0.5288% | 2,730 |
| Net loans and leases to total assets | 73.7329% | 1,859 |
| Net loans and leases to deposits | 94.7402% | 1,082 |
| Net loans and leases to core deposits | 108.4407% | 1,030 |
| Total domestic deposits to total assets | 77.8265% | 4,547 |
| Equity capital to assets | 13.6569% | 1,151 |
| Core capital (leverage) ratio | 9.0153% | 4,644 |
| Tier 1 risk-based capital ratio | 11.1641% | 4,901 |
| Total risk-based capital ratio | 12.9302% | 4,525 |
| Memoranda: | ||
| Average total assets | $47,740,567,000 | 46 |
| Average earning assets | $42,229,589,500 | 46 |
| Average equity | $6,512,062,000 | 42 |
| Average total loans | $35,396,155,500 | 40 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 4,116 |
| Cost of funding earning assets | 0.7560% | 1,753 |
| Net interest margin | 3.2123% | 4,462 |
| Noninterest income to average assets | 0.7749% | 1,546 |
| Noninterest expense to average assets | 2.2053% | 4,327 |
| Loan and lease loss provision to assets | 0.0670% | 2,815 |
| Net operating income to assets | 1.1096% | 2,554 |
| Return on assets (ROA) | 1.0917% | 2,630 |
| Pretax return on assets | 1.3449% | 2,341 |
| Return on Equity (ROE) | 8.2174% | 3,348 |
| Retained earnings to average equity (ytd only) | 2.4673% | 4,155 |
| Net charge-offs to loans | 0.0729% | 2,077 |
| Credit loss provision to net charge-offs | 124.8200% | 2,104 |
| Earnings coverage of net charge-offs (x) | 26.7169% | 1,715 |
| Efficiency ratio | 59.2563% | 3,976 |
| Assets per employee ($millions) | 8.2441% | 607 |
| Cash dividends to net income (ytd only)* | 69.9744% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 4,838 |
| Loan loss allowance to noncurrent loans | 111.2615% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 2,638 |
| Noncurrent loans to loans | 0.6129% | 2,447 |
| Net loans and leases to total assets | 73.5439% | 2,003 |
| Net loans and leases to deposits | 95.9738% | 1,073 |
| Net loans and leases to core deposits | 110.0822% | 993 |
| Total domestic deposits to total assets | 76.6292% | 4,684 |
| Equity capital to assets | 13.6240% | 1,098 |
| Core capital (leverage) ratio | 9.0304% | 4,626 |
| Tier 1 risk-based capital ratio | 11.3614% | 4,790 |
| Total risk-based capital ratio | 13.1540% | 4,378 |
| Memoranda: | ||
| Average total assets | $44,768,673,600 | 47 |
| Average earning assets | $39,919,799,000 | 47 |
| Average equity | $5,947,753,000 | 42 |
| Average total loans | $32,965,330,600 | 40 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8802% | 4,256 |
| Cost of funding earning assets | 0.7019% | 1,838 |
| Net interest margin | 3.1783% | 4,556 |
| Noninterest income to average assets | 0.7735% | 1,566 |
| Noninterest expense to average assets | 2.2064% | 4,310 |
| Loan and lease loss provision to assets | 0.0609% | 2,762 |
| Net operating income to assets | 1.0548% | 2,852 |
| Return on assets (ROA) | 1.0551% | 2,861 |
| Pretax return on assets | 1.3456% | 2,446 |
| Return on Equity (ROE) | 7.9967% | 3,552 |
| Retained earnings to average equity (ytd only) | 2.2400% | 4,484 |
| Net charge-offs to loans | 0.0681% | 1,859 |
| Credit loss provision to net charge-offs | 121.5347% | 1,969 |
| Earnings coverage of net charge-offs (x) | 28.0756% | 1,681 |
| Efficiency ratio | 59.8246% | 3,837 |
| Assets per employee ($millions) | 8.0215% | 649 |
| Cash dividends to net income (ytd only)* | 71.9880% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 4,791 |
| Loan loss allowance to noncurrent loans | 126.0822% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 2,849 |
| Noncurrent loans to loans | 0.5851% | 2,623 |
| Net loans and leases to total assets | 72.9551% | 2,175 |
| Net loans and leases to deposits | 95.6340% | 1,196 |
| Net loans and leases to core deposits | 110.0748% | 1,028 |
| Total domestic deposits to total assets | 76.2858% | 4,757 |
| Equity capital to assets | 13.5614% | 1,117 |
| Core capital (leverage) ratio | 9.1977% | 4,513 |
| Tier 1 risk-based capital ratio | 11.6387% | 4,716 |
| Total risk-based capital ratio | 13.5724% | 4,192 |
| Memoranda: | ||
| Average total assets | $44,060,442,000 | 47 |
| Average earning assets | $39,355,501,250 | 47 |
| Average equity | $5,813,378,500 | 42 |
| Average total loans | $32,394,549,250 | 40 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 4,343 |
| Cost of funding earning assets | 0.6510% | 1,924 |
| Net interest margin | 3.1523% | 4,612 |
| Noninterest income to average assets | 0.7713% | 1,566 |
| Noninterest expense to average assets | 2.2209% | 4,318 |
| Loan and lease loss provision to assets | 0.0541% | 2,826 |
| Net operating income to assets | 1.0288% | 2,898 |
| Return on assets (ROA) | 1.0290% | 2,899 |
| Pretax return on assets | 1.3123% | 2,460 |
| Return on Equity (ROE) | 7.8719% | 3,554 |
| Retained earnings to average equity (ytd only) | 2.1154% | 4,424 |
| Net charge-offs to loans | 0.0590% | 1,761 |
| Credit loss provision to net charge-offs | 124.6970% | 1,764 |
| Earnings coverage of net charge-offs (x) | 31.4814% | 1,454 |
| Efficiency ratio | 60.6487% | 3,828 |
| Assets per employee ($millions) | 8.1754% | 591 |
| Cash dividends to net income (ytd only)* | 73.1278% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7275% | 4,871 |
| Loan loss allowance to noncurrent loans | 121.9439% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 2,867 |
| Noncurrent loans to loans | 0.5965% | 2,628 |
| Net loans and leases to total assets | 72.9318% | 2,131 |
| Net loans and leases to deposits | 98.7586% | 902 |
| Net loans and leases to core deposits | 112.1242% | 878 |
| Total domestic deposits to total assets | 73.8486% | 5,057 |
| Equity capital to assets | 13.3641% | 1,154 |
| Core capital (leverage) ratio | 9.1209% | 4,557 |
| Tier 1 risk-based capital ratio | 11.4342% | 4,814 |
| Total risk-based capital ratio | 13.3536% | 4,312 |
| Memoranda: | ||
| Average total assets | $44,118,700,330 | 47 |
| Average earning assets | $39,406,810,330 | 47 |
| Average equity | $5,767,338,330 | 42 |
| Average total loans | $32,441,126,000 | 39 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 4,414 |
| Cost of funding earning assets | 0.5969% | 2,076 |
| Net interest margin | 3.1299% | 4,645 |
| Noninterest income to average assets | 0.7659% | 1,560 |
| Noninterest expense to average assets | 2.2145% | 4,381 |
| Loan and lease loss provision to assets | 0.0488% | 2,803 |
| Net operating income to assets | 1.0222% | 2,768 |
| Return on assets (ROA) | 1.0226% | 2,788 |
| Pretax return on assets | 1.3003% | 2,366 |
| Return on Equity (ROE) | 7.9116% | 3,413 |
| Retained earnings to average equity (ytd only) | 2.1478% | 4,305 |
| Net charge-offs to loans | 0.0557% | 1,551 |
| Credit loss provision to net charge-offs | 119.1702% | 1,382 |
| Earnings coverage of net charge-offs (x) | 32.9348% | 1,189 |
| Efficiency ratio | 60.8504% | 3,957 |
| Assets per employee ($millions) | 8.1094% | 603 |
| Cash dividends to net income (ytd only)* | 72.8526% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7318% | 4,960 |
| Loan loss allowance to noncurrent loans | 127.5661% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 3,004 |
| Noncurrent loans to loans | 0.5736% | 2,821 |
| Net loans and leases to total assets | 72.7735% | 2,051 |
| Net loans and leases to deposits | 95.7745% | 1,058 |
| Net loans and leases to core deposits | 107.5890% | 1,150 |
| Total domestic deposits to total assets | 75.9842% | 4,966 |
| Equity capital to assets | 12.9757% | 1,258 |
| Core capital (leverage) ratio | 8.6234% | 5,044 |
| Tier 1 risk-based capital ratio | 10.9608% | 5,151 |
| Total risk-based capital ratio | 12.9069% | 4,660 |
| Memoranda: | ||
| Average total assets | $44,026,926,500 | 47 |
| Average earning assets | $39,348,246,000 | 48 |
| Average equity | $5,690,715,000 | 43 |
| Average total loans | $32,388,082,000 | 40 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5176% | 4,763 |
| Cost of funding earning assets | 0.4851% | 2,457 |
| Net interest margin | 3.0325% | 4,820 |
| Noninterest income to average assets | 0.9003% | 1,268 |
| Noninterest expense to average assets | 2.3512% | 4,204 |
| Loan and lease loss provision to assets | 0.0615% | 3,000 |
| Net operating income to assets | 0.8641% | 2,896 |
| Return on assets (ROA) | 0.8228% | 3,108 |
| Pretax return on assets | 1.1435% | 3,007 |
| Return on Equity (ROE) | 6.3634% | 3,598 |
| Retained earnings to average equity (ytd only) | 1.0084% | 4,627 |
| Net charge-offs to loans | 0.0667% | 2,515 |
| Credit loss provision to net charge-offs | 124.4820% | 2,109 |
| Earnings coverage of net charge-offs (x) | 25.5375% | 1,708 |
| Efficiency ratio | 63.0943% | 3,759 |
| Assets per employee ($millions) | 8.5655% | 521 |
| Cash dividends to net income (ytd only)* | 84.1533% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 5,035 |
| Loan loss allowance to noncurrent loans | 131.7163% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 3,105 |
| Noncurrent loans to loans | 0.5455% | 2,865 |
| Net loans and leases to total assets | 73.2863% | 2,049 |
| Net loans and leases to deposits | 96.8306% | 1,011 |
| Net loans and leases to core deposits | 109.4431% | 1,037 |
| Total domestic deposits to total assets | 75.6850% | 5,016 |
| Equity capital to assets | 12.8757% | 1,327 |
| Core capital (leverage) ratio | 8.5220% | 5,119 |
| Tier 1 risk-based capital ratio | 10.6709% | 5,307 |
| Total risk-based capital ratio | 12.5885% | 4,835 |
| Memoranda: | ||
| Average total assets | $42,172,489,000 | 47 |
| Average earning assets | $37,735,362,200 | 48 |
| Average equity | $5,452,882,200 | 43 |
| Average total loans | $31,268,556,600 | 39 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4696% | 4,865 |
| Cost of funding earning assets | 0.4625% | 2,595 |
| Net interest margin | 3.0071% | 4,900 |
| Noninterest income to average assets | 0.8995% | 1,272 |
| Noninterest expense to average assets | 2.3838% | 4,060 |
| Loan and lease loss provision to assets | 0.0592% | 2,895 |
| Net operating income to assets | 0.7914% | 3,557 |
| Return on assets (ROA) | 0.7570% | 3,768 |
| Pretax return on assets | 1.0988% | 3,305 |
| Return on Equity (ROE) | 5.8478% | 4,189 |
| Retained earnings to average equity (ytd only) | 0.8295% | 5,030 |
| Net charge-offs to loans | 0.0619% | 2,230 |
| Credit loss provision to net charge-offs | 128.9138% | 1,905 |
| Earnings coverage of net charge-offs (x) | 26.2996% | 1,688 |
| Efficiency ratio | 64.3982% | 3,467 |
| Assets per employee ($millions) | 8.4357% | 532 |
| Cash dividends to net income (ytd only)* | 85.8155% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7201% | 5,095 |
| Loan loss allowance to noncurrent loans | 115.9046% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 3,107 |
| Noncurrent loans to loans | 0.6212% | 2,848 |
| Net loans and leases to total assets | 73.7315% | 1,958 |
| Net loans and leases to deposits | 98.0855% | 906 |
| Net loans and leases to core deposits | 110.9057% | 982 |
| Total domestic deposits to total assets | 75.1706% | 5,115 |
| Equity capital to assets | 13.0006% | 1,391 |
| Core capital (leverage) ratio | 8.6038% | 5,158 |
| Tier 1 risk-based capital ratio | 10.6375% | 5,402 |
| Total risk-based capital ratio | 12.5650% | 4,952 |
| Memoranda: | ||
| Average total assets | $41,666,121,500 | 47 |
| Average earning assets | $37,302,614,500 | 47 |
| Average equity | $5,393,398,750 | 43 |
| Average total loans | $30,929,335,250 | 40 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 4,956 |
| Cost of funding earning assets | 0.4323% | 2,782 |
| Net interest margin | 2.9793% | 4,955 |
| Noninterest income to average assets | 0.9111% | 1,242 |
| Noninterest expense to average assets | 2.4340% | 3,960 |
| Loan and lease loss provision to assets | 0.0559% | 2,853 |
| Net operating income to assets | 0.7449% | 3,651 |
| Return on assets (ROA) | 0.6931% | 3,941 |
| Pretax return on assets | 1.0145% | 3,505 |
| Return on Equity (ROE) | 5.3627% | 4,327 |
| Retained earnings to average equity (ytd only) | 0.4565% | 4,983 |
| Net charge-offs to loans | 0.0603% | 2,065 |
| Credit loss provision to net charge-offs | 124.8883% | 1,738 |
| Earnings coverage of net charge-offs (x) | 25.6167% | 1,601 |
| Efficiency ratio | 66.0449% | 3,345 |
| Assets per employee ($millions) | 8.1609% | 582 |
| Cash dividends to net income (ytd only)* | 91.4881% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 5,132 |
| Loan loss allowance to noncurrent loans | 112.9570% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 3,077 |
| Noncurrent loans to loans | 0.6471% | 2,795 |
| Net loans and leases to total assets | 73.6414% | 1,939 |
| Net loans and leases to deposits | 98.0803% | 888 |
| Net loans and leases to core deposits | 110.0351% | 999 |
| Total domestic deposits to total assets | 75.0828% | 5,194 |
| Equity capital to assets | 13.2190% | 1,270 |
| Core capital (leverage) ratio | 8.9879% | 4,740 |
| Tier 1 risk-based capital ratio | 11.3124% | 5,079 |
| Total risk-based capital ratio | 13.2902% | 4,489 |
| Memoranda: | ||
| Average total assets | $41,003,171,330 | 48 |
| Average earning assets | $36,741,164,670 | 47 |
| Average equity | $5,299,402,000 | 44 |
| Average total loans | $30,432,145,330 | 40 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2880% | 5,126 |
| Cost of funding earning assets | 0.4100% | 2,905 |
| Net interest margin | 2.8780% | 5,124 |
| Noninterest income to average assets | 0.9089% | 1,211 |
| Noninterest expense to average assets | 2.3620% | 4,222 |
| Loan and lease loss provision to assets | 0.0442% | 2,914 |
| Net operating income to assets | 0.7518% | 3,469 |
| Return on assets (ROA) | 0.6437% | 3,994 |
| Pretax return on assets | 0.9295% | 3,663 |
| Return on Equity (ROE) | 5.0419% | 4,372 |
| Retained earnings to average equity (ytd only) | -0.3419% | 4,971 |
| Net charge-offs to loans | 0.0327% | 2,119 |
| Credit loss provision to net charge-offs | 182.1018% | 1,078 |
| Earnings coverage of net charge-offs (x) | 46.5780% | 939 |
| Efficiency ratio | 65.8455% | 3,524 |
| Assets per employee ($millions) | 7.9730% | 631 |
| Cash dividends to net income (ytd only)* | 106.7814% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7776% | 5,115 |
| Loan loss allowance to noncurrent loans | 126.3794% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 3,249 |
| Noncurrent loans to loans | 0.6153% | 2,980 |
| Net loans and leases to total assets | 73.7554% | 1,785 |
| Net loans and leases to deposits | 95.9407% | 939 |
| Net loans and leases to core deposits | 108.1127% | 970 |
| Total domestic deposits to total assets | 76.8760% | 5,130 |
| Equity capital to assets | 12.8288% | 1,339 |
| Core capital (leverage) ratio | 8.8938% | 4,848 |
| Tier 1 risk-based capital ratio | 11.2812% | 5,149 |
| Total risk-based capital ratio | 13.3790% | 4,530 |
| Memoranda: | ||
| Average total assets | $40,151,856,000 | 47 |
| Average earning assets | $36,042,367,000 | 48 |
| Average equity | $5,126,472,000 | 45 |
| Average total loans | $29,807,848,500 | 41 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2343% | 5,253 |
| Cost of funding earning assets | 0.3767% | 3,238 |
| Net interest margin | 2.8576% | 5,202 |
| Noninterest income to average assets | 0.9378% | 1,301 |
| Noninterest expense to average assets | 2.3267% | 4,498 |
| Loan and lease loss provision to assets | 0.0926% | 2,507 |
| Net operating income to assets | 0.7410% | 3,584 |
| Return on assets (ROA) | 0.7307% | 3,752 |
| Pretax return on assets | 1.0682% | 3,227 |
| Return on Equity (ROE) | 5.8552% | 4,050 |
| Retained earnings to average equity (ytd only) | 0.3619% | 5,173 |
| Net charge-offs to loans | 0.0630% | 2,797 |
| Credit loss provision to net charge-offs | 199.5365% | 1,424 |
| Earnings coverage of net charge-offs (x) | 25.3433% | 1,593 |
| Efficiency ratio | 64.7256% | 3,812 |
| Assets per employee ($millions) | 8.0915% | 585 |
| Cash dividends to net income (ytd only)* | 93.8200% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 5,191 |
| Loan loss allowance to noncurrent loans | 125.6994% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4829% | 3,333 |
| Noncurrent loans to loans | 0.6107% | 3,018 |
| Net loans and leases to total assets | 73.5737% | 1,917 |
| Net loans and leases to deposits | 98.2144% | 810 |
| Net loans and leases to core deposits | 110.1050% | 895 |
| Total domestic deposits to total assets | 74.9113% | 5,363 |
| Equity capital to assets | 12.7071% | 1,396 |
| Core capital (leverage) ratio | 8.9279% | 4,826 |
| Tier 1 risk-based capital ratio | 11.2516% | 5,188 |
| Total risk-based capital ratio | 13.3231% | 4,563 |
| Memoranda: | ||
| Average total assets | $39,528,404,000 | 47 |
| Average earning assets | $35,477,546,400 | 47 |
| Average equity | $4,933,197,400 | 45 |
| Average total loans | $29,100,157,600 | 41 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2425% | 5,295 |
| Cost of funding earning assets | 0.3769% | 3,260 |
| Net interest margin | 2.8655% | 5,238 |
| Noninterest income to average assets | 0.9452% | 1,263 |
| Noninterest expense to average assets | 2.3380% | 4,437 |
| Loan and lease loss provision to assets | 0.0981% | 2,263 |
| Net operating income to assets | 0.7294% | 3,696 |
| Return on assets (ROA) | 0.7296% | 3,829 |
| Pretax return on assets | 1.0811% | 3,311 |
| Return on Equity (ROE) | 5.8732% | 4,135 |
| Retained earnings to average equity (ytd only) | 0.4435% | 5,242 |
| Net charge-offs to loans | 0.0633% | 2,447 |
| Credit loss provision to net charge-offs | 210.9751% | 1,389 |
| Earnings coverage of net charge-offs (x) | 25.3510% | 1,639 |
| Efficiency ratio | 64.7928% | 3,793 |
| Assets per employee ($millions) | 8.0817% | 572 |
| Cash dividends to net income (ytd only)* | 92.4481% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 5,277 |
| Loan loss allowance to noncurrent loans | 120.0263% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 3,395 |
| Noncurrent loans to loans | 0.6400% | 3,101 |
| Net loans and leases to total assets | 72.5648% | 2,103 |
| Net loans and leases to deposits | 98.1120% | 841 |
| Net loans and leases to core deposits | 110.1201% | 902 |
| Total domestic deposits to total assets | 73.9611% | 5,435 |
| Equity capital to assets | 12.3712% | 1,858 |
| Core capital (leverage) ratio | 8.5792% | 5,284 |
| Tier 1 risk-based capital ratio | 10.7742% | 5,487 |
| Total risk-based capital ratio | 12.8399% | 4,943 |
| Memoranda: | ||
| Average total assets | $39,338,642,500 | 47 |
| Average earning assets | $35,306,285,750 | 47 |
| Average equity | $4,886,657,750 | 44 |
| Average total loans | $28,907,633,500 | 41 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2547% | 5,358 |
| Cost of funding earning assets | 0.3782% | 3,268 |
| Net interest margin | 2.8764% | 5,303 |
| Noninterest income to average assets | 0.9387% | 1,267 |
| Noninterest expense to average assets | 2.3451% | 4,484 |
| Loan and lease loss provision to assets | 0.1051% | 2,102 |
| Net operating income to assets | 0.7119% | 3,736 |
| Return on assets (ROA) | 0.7121% | 3,888 |
| Pretax return on assets | 1.0696% | 3,326 |
| Return on Equity (ROE) | 5.7246% | 4,180 |
| Retained earnings to average equity (ytd only) | 0.3688% | 5,194 |
| Net charge-offs to loans | 0.0776% | 2,085 |
| Credit loss provision to net charge-offs | 184.0585% | 1,380 |
| Earnings coverage of net charge-offs (x) | 20.5593% | 1,722 |
| Efficiency ratio | 64.9359% | 3,856 |
| Assets per employee ($millions) | 7.9680% | 574 |
| Cash dividends to net income (ytd only)* | 93.5575% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7566% | 5,384 |
| Loan loss allowance to noncurrent loans | 112.7346% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 3,457 |
| Noncurrent loans to loans | 0.6712% | 3,056 |
| Net loans and leases to total assets | 72.7548% | 2,047 |
| Net loans and leases to deposits | 99.3275% | 753 |
| Net loans and leases to core deposits | 111.8406% | 819 |
| Total domestic deposits to total assets | 73.2474% | 5,587 |
| Equity capital to assets | 12.5124% | 1,762 |
| Core capital (leverage) ratio | 8.7364% | 5,128 |
| Tier 1 risk-based capital ratio | 10.7882% | 5,531 |
| Total risk-based capital ratio | 12.8470% | 4,991 |
| Memoranda: | ||
| Average total assets | $39,025,199,330 | 48 |
| Average earning assets | $35,016,365,000 | 48 |
| Average equity | $4,854,548,000 | 44 |
| Average total loans | $28,725,308,670 | 41 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2711% | 5,376 |
| Cost of funding earning assets | 0.3842% | 3,255 |
| Net interest margin | 2.8869% | 5,345 |
| Noninterest income to average assets | 0.9435% | 1,198 |
| Noninterest expense to average assets | 2.3976% | 4,380 |
| Loan and lease loss provision to assets | 0.1087% | 1,905 |
| Net operating income to assets | 0.6753% | 3,848 |
| Return on assets (ROA) | 0.6754% | 3,965 |
| Pretax return on assets | 1.0303% | 3,360 |
| Return on Equity (ROE) | 5.4462% | 4,256 |
| Retained earnings to average equity (ytd only) | -0.2254% | 5,149 |
| Net charge-offs to loans | 0.0852% | 1,647 |
| Credit loss provision to net charge-offs | 172.9681% | 1,184 |
| Earnings coverage of net charge-offs (x) | 18.1134% | 1,550 |
| Efficiency ratio | 66.1015% | 3,785 |
| Assets per employee ($millions) | 7.7684% | 616 |
| Cash dividends to net income (ytd only)* | 104.1395% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 5,479 |
| Loan loss allowance to noncurrent loans | 103.1509% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 3,347 |
| Noncurrent loans to loans | 0.7312% | 3,008 |
| Net loans and leases to total assets | 72.9075% | 1,895 |
| Net loans and leases to deposits | 97.0519% | 840 |
| Net loans and leases to core deposits | 109.4976% | 877 |
| Total domestic deposits to total assets | 75.1222% | 5,510 |
| Equity capital to assets | 12.7088% | 1,556 |
| Core capital (leverage) ratio | 8.8412% | 5,033 |
| Tier 1 risk-based capital ratio | 10.8785% | 5,565 |
| Total risk-based capital ratio | 12.9488% | 5,018 |
| Memoranda: | ||
| Average total assets | $38,669,503,500 | 47 |
| Average earning assets | $34,730,171,000 | 48 |
| Average equity | $4,795,825,500 | 44 |
| Average total loans | $28,522,613,000 | 40 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3387% | 5,278 |
| Cost of funding earning assets | 0.3599% | 3,584 |
| Net interest margin | 2.9788% | 5,185 |
| Noninterest income to average assets | 1.0194% | 1,136 |
| Noninterest expense to average assets | 2.4969% | 4,237 |
| Loan and lease loss provision to assets | 0.0908% | 2,485 |
| Net operating income to assets | 0.7329% | 3,660 |
| Return on assets (ROA) | 0.7330% | 3,750 |
| Pretax return on assets | 1.1015% | 3,056 |
| Return on Equity (ROE) | 5.8095% | 4,128 |
| Retained earnings to average equity (ytd only) | 0.5344% | 5,307 |
| Net charge-offs to loans | 0.0752% | 2,752 |
| Credit loss provision to net charge-offs | 161.6169% | 1,665 |
| Earnings coverage of net charge-offs (x) | 21.2175% | 1,824 |
| Efficiency ratio | 65.9243% | 3,917 |
| Assets per employee ($millions) | 7.8263% | 611 |
| Cash dividends to net income (ytd only)* | 90.8006% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7411% | 5,557 |
| Loan loss allowance to noncurrent loans | 104.0585% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5604% | 3,411 |
| Noncurrent loans to loans | 0.7122% | 3,051 |
| Net loans and leases to total assets | 73.5129% | 1,804 |
| Net loans and leases to deposits | 98.8297% | 757 |
| Net loans and leases to core deposits | 111.8824% | 783 |
| Total domestic deposits to total assets | 74.3833% | 5,612 |
| Equity capital to assets | 12.0918% | 1,888 |
| Core capital (leverage) ratio | 8.4162% | 5,510 |
| Tier 1 risk-based capital ratio | 10.1710% | 5,905 |
| Total risk-based capital ratio | 12.5799% | 5,251 |
| Memoranda: | ||
| Average total assets | $36,808,252,200 | 46 |
| Average earning assets | $32,986,780,200 | 46 |
| Average equity | $4,644,485,200 | 43 |
| Average total loans | $27,513,408,800 | 39 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3590% | 5,295 |
| Cost of funding earning assets | 0.3596% | 3,655 |
| Net interest margin | 2.9994% | 5,190 |
| Noninterest income to average assets | 1.0085% | 1,167 |
| Noninterest expense to average assets | 2.5236% | 4,124 |
| Loan and lease loss provision to assets | 0.0866% | 2,430 |
| Net operating income to assets | 0.7189% | 3,824 |
| Return on assets (ROA) | 0.7189% | 3,926 |
| Pretax return on assets | 1.0838% | 3,297 |
| Return on Equity (ROE) | 5.6356% | 4,342 |
| Retained earnings to average equity (ytd only) | 0.5244% | 5,468 |
| Net charge-offs to loans | 0.0707% | 2,554 |
| Credit loss provision to net charge-offs | 163.5232% | 1,575 |
| Earnings coverage of net charge-offs (x) | 22.0886% | 1,799 |
| Efficiency ratio | 66.5489% | 3,795 |
| Assets per employee ($millions) | 7.4612% | 700 |
| Cash dividends to net income (ytd only)* | 90.6946% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 5,629 |
| Loan loss allowance to noncurrent loans | 88.3600% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 3,195 |
| Noncurrent loans to loans | 0.8464% | 2,853 |
| Net loans and leases to total assets | 74.3614% | 1,667 |
| Net loans and leases to deposits | 97.3094% | 877 |
| Net loans and leases to core deposits | 110.9312% | 825 |
| Total domestic deposits to total assets | 76.4175% | 5,428 |
| Equity capital to assets | 12.6089% | 1,685 |
| Core capital (leverage) ratio | 8.5429% | 5,520 |
| Tier 1 risk-based capital ratio | 10.3780% | 5,929 |
| Total risk-based capital ratio | 12.8301% | 5,257 |
| Memoranda: | ||
| Average total assets | $36,397,711,250 | 45 |
| Average earning assets | $32,588,003,750 | 45 |
| Average equity | $4,643,265,750 | 42 |
| Average total loans | $27,272,499,000 | 38 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3527% | 5,329 |
| Cost of funding earning assets | 0.3537% | 3,768 |
| Net interest margin | 2.9991% | 5,221 |
| Noninterest income to average assets | 0.9937% | 1,195 |
| Noninterest expense to average assets | 2.5403% | 4,101 |
| Loan and lease loss provision to assets | 0.0965% | 2,209 |
| Net operating income to assets | 0.6851% | 3,960 |
| Return on assets (ROA) | 0.6851% | 4,073 |
| Pretax return on assets | 1.0414% | 3,408 |
| Return on Equity (ROE) | 5.3493% | 4,457 |
| Retained earnings to average equity (ytd only) | 0.2141% | 5,438 |
| Net charge-offs to loans | 0.0767% | 2,292 |
| Credit loss provision to net charge-offs | 167.9623% | 1,420 |
| Earnings coverage of net charge-offs (x) | 19.8076% | 1,735 |
| Efficiency ratio | 67.2766% | 3,792 |
| Assets per employee ($millions) | 7.3864% | 705 |
| Cash dividends to net income (ytd only)* | 95.9972% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 5,726 |
| Loan loss allowance to noncurrent loans | 84.4750% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 3,188 |
| Noncurrent loans to loans | 0.8795% | 2,930 |
| Net loans and leases to total assets | 74.6786% | 1,554 |
| Net loans and leases to deposits | 99.9359% | 664 |
| Net loans and leases to core deposits | 114.0970% | 662 |
| Total domestic deposits to total assets | 74.7265% | 5,730 |
| Equity capital to assets | 12.6180% | 1,590 |
| Core capital (leverage) ratio | 8.6404% | 5,383 |
| Tier 1 risk-based capital ratio | 10.4224% | 5,949 |
| Total risk-based capital ratio | 12.8932% | 5,295 |
| Memoranda: | ||
| Average total assets | $36,186,939,000 | 45 |
| Average earning assets | $32,390,761,000 | 45 |
| Average equity | $4,634,663,000 | 42 |
| Average total loans | $27,115,490,000 | 38 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3751% | 5,263 |
| Cost of funding earning assets | 0.3446% | 3,932 |
| Net interest margin | 3.0305% | 5,124 |
| Noninterest income to average assets | 1.0164% | 1,081 |
| Noninterest expense to average assets | 2.5920% | 3,968 |
| Loan and lease loss provision to assets | 0.1088% | 1,888 |
| Net operating income to assets | 0.6779% | 3,903 |
| Return on assets (ROA) | 0.6779% | 4,026 |
| Pretax return on assets | 1.0280% | 3,390 |
| Return on Equity (ROE) | 5.2530% | 4,400 |
| Retained earnings to average equity (ytd only) | -0.0987% | 5,397 |
| Net charge-offs to loans | 0.1063% | 1,676 |
| Credit loss provision to net charge-offs | 136.9306% | 1,329 |
| Earnings coverage of net charge-offs (x) | 14.3039% | 1,680 |
| Efficiency ratio | 67.7340% | 3,873 |
| Assets per employee ($millions) | 7.0813% | 826 |
| Cash dividends to net income (ytd only)* | 101.8782% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 5,825 |
| Loan loss allowance to noncurrent loans | 77.0458% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 0.7970% | 3,120 |
| Noncurrent loans to loans | 0.9642% | 2,846 |
| Net loans and leases to total assets | 74.4374% | 1,433 |
| Net loans and leases to deposits | 98.8040% | 632 |
| Net loans and leases to core deposits | 112.6576% | 623 |
| Total domestic deposits to total assets | 75.3385% | 5,801 |
| Equity capital to assets | 12.8925% | 1,454 |
| Core capital (leverage) ratio | 8.8014% | 5,201 |
| Tier 1 risk-based capital ratio | 10.5878% | 5,985 |
| Total risk-based capital ratio | 13.0925% | 5,234 |
| Memoranda: | ||
| Average total assets | $35,910,417,500 | 46 |
| Average earning assets | $32,140,926,000 | 45 |
| Average equity | $4,634,074,500 | 42 |
| Average total loans | $26,852,102,500 | 38 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5027% | 5,309 |
| Cost of funding earning assets | 0.3335% | 4,450 |
| Net interest margin | 3.1692% | 5,017 |
| Noninterest income to average assets | 1.0865% | 1,031 |
| Noninterest expense to average assets | 2.6169% | 4,156 |
| Loan and lease loss provision to assets | 0.1195% | 2,183 |
| Net operating income to assets | 0.7716% | 3,510 |
| Return on assets (ROA) | 0.7729% | 3,602 |
| Pretax return on assets | 1.1694% | 2,783 |
| Return on Equity (ROE) | 5.6703% | 4,320 |
| Retained earnings to average equity (ytd only) | 0.3992% | 5,595 |
| Net charge-offs to loans | 0.1184% | 2,859 |
| Credit loss provision to net charge-offs | 134.6067% | 1,754 |
| Earnings coverage of net charge-offs (x) | 14.4947% | 2,159 |
| Efficiency ratio | 65.1630% | 4,381 |
| Assets per employee ($millions) | 6.9523% | 868 |
| Cash dividends to net income (ytd only)* | 92.9595% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7439% | 5,895 |
| Loan loss allowance to noncurrent loans | 64.6873% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 0.9261% | 2,901 |
| Noncurrent loans to loans | 1.1500% | 2,542 |
| Net loans and leases to total assets | 73.9994% | 1,582 |
| Net loans and leases to deposits | 101.1974% | 558 |
| Net loans and leases to core deposits | 116.0016% | 528 |
| Total domestic deposits to total assets | 73.1238% | 6,007 |
| Equity capital to assets | 12.9167% | 1,407 |
| Core capital (leverage) ratio | 8.4702% | 5,582 |
| Tier 1 risk-based capital ratio | 10.4955% | 6,104 |
| Total risk-based capital ratio | 13.0481% | 5,402 |
| Memoranda: | ||
| Average total assets | $33,961,422,200 | 45 |
| Average earning assets | $30,192,328,200 | 46 |
| Average equity | $4,628,997,000 | 42 |
| Average total loans | $25,467,873,600 | 38 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5467% | 5,282 |
| Cost of funding earning assets | 0.3304% | 4,558 |
| Net interest margin | 3.2163% | 4,908 |
| Noninterest income to average assets | 1.1231% | 962 |
| Noninterest expense to average assets | 2.6671% | 3,954 |
| Loan and lease loss provision to assets | 0.1219% | 2,048 |
| Net operating income to assets | 0.7830% | 3,498 |
| Return on assets (ROA) | 0.7837% | 3,602 |
| Pretax return on assets | 1.1882% | 2,830 |
| Return on Equity (ROE) | 5.6709% | 4,411 |
| Retained earnings to average equity (ytd only) | 0.4605% | 5,679 |
| Net charge-offs to loans | 0.1146% | 2,655 |
| Credit loss provision to net charge-offs | 141.6921% | 1,665 |
| Earnings coverage of net charge-offs (x) | 15.2110% | 2,071 |
| Efficiency ratio | 65.2185% | 4,331 |
| Assets per employee ($millions) | 6.7286% | 899 |
| Cash dividends to net income (ytd only)* | 91.8796% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 5,974 |
| Loan loss allowance to noncurrent loans | 61.8407% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.0049% | 2,946 |
| Noncurrent loans to loans | 1.2229% | 2,603 |
| Net loans and leases to total assets | 74.8252% | 1,391 |
| Net loans and leases to deposits | 102.2124% | 493 |
| Net loans and leases to core deposits | 115.4756% | 530 |
| Total domestic deposits to total assets | 73.2056% | 6,076 |
| Equity capital to assets | 13.4833% | 1,188 |
| Core capital (leverage) ratio | 8.7613% | 5,378 |
| Tier 1 risk-based capital ratio | 10.6525% | 6,152 |
| Total risk-based capital ratio | 13.2494% | 5,405 |
| Memoranda: | ||
| Average total assets | $33,512,842,250 | 46 |
| Average earning assets | $29,726,493,000 | 46 |
| Average equity | $4,631,635,000 | 43 |
| Average total loans | $25,170,505,500 | 39 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5766% | 5,214 |
| Cost of funding earning assets | 0.3257% | 4,694 |
| Net interest margin | 3.2509% | 4,778 |
| Noninterest income to average assets | 1.1695% | 851 |
| Noninterest expense to average assets | 2.7220% | 3,789 |
| Loan and lease loss provision to assets | 0.1097% | 2,189 |
| Net operating income to assets | 0.7855% | 3,400 |
| Return on assets (ROA) | 0.7860% | 3,499 |
| Pretax return on assets | 1.2159% | 2,593 |
| Return on Equity (ROE) | 5.6396% | 4,363 |
| Retained earnings to average equity (ytd only) | 0.7948% | 5,430 |
| Net charge-offs to loans | 0.1082% | 2,592 |
| Credit loss provision to net charge-offs | 135.2002% | 1,566 |
| Earnings coverage of net charge-offs (x) | 16.3220% | 1,801 |
| Efficiency ratio | 65.4158% | 4,458 |
| Assets per employee ($millions) | 6.5710% | 977 |
| Cash dividends to net income (ytd only)* | 85.9060% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 6,078 |
| Loan loss allowance to noncurrent loans | 59.4443% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 1.0484% | 2,971 |
| Noncurrent loans to loans | 1.2700% | 2,684 |
| Net loans and leases to total assets | 75.2295% | 1,277 |
| Net loans and leases to deposits | 105.0186% | 335 |
| Net loans and leases to core deposits | 114.1930% | 530 |
| Total domestic deposits to total assets | 71.6344% | 6,277 |
| Equity capital to assets | 13.8260% | 1,042 |
| Core capital (leverage) ratio | 8.9802% | 5,048 |
| Tier 1 risk-based capital ratio | 10.7755% | 6,142 |
| Total risk-based capital ratio | 13.4652% | 5,329 |
| Memoranda: | ||
| Average total assets | $33,173,417,000 | 46 |
| Average earning assets | $29,360,067,330 | 46 |
| Average equity | $4,623,534,000 | 43 |
| Average total loans | $24,882,385,000 | 39 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6015% | 5,164 |
| Cost of funding earning assets | 0.3268% | 4,772 |
| Net interest margin | 3.2748% | 4,645 |
| Noninterest income to average assets | 1.0731% | 971 |
| Noninterest expense to average assets | 2.8092% | 3,529 |
| Loan and lease loss provision to assets | 0.1146% | 2,042 |
| Net operating income to assets | 0.6881% | 3,751 |
| Return on assets (ROA) | 0.6892% | 3,819 |
| Pretax return on assets | 1.0492% | 3,139 |
| Return on Equity (ROE) | 4.9249% | 4,588 |
| Retained earnings to average equity (ytd only) | -0.1960% | 5,593 |
| Net charge-offs to loans | 0.1140% | 2,038 |
| Credit loss provision to net charge-offs | 134.8193% | 1,350 |
| Earnings coverage of net charge-offs (x) | 13.6708% | 1,657 |
| Efficiency ratio | 68.8391% | 4,036 |
| Assets per employee ($millions) | 6.3752% | 1,069 |
| Cash dividends to net income (ytd only)* | 103.9794% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 6,158 |
| Loan loss allowance to noncurrent loans | 53.4920% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1833% | 2,892 |
| Noncurrent loans to loans | 1.4414% | 2,625 |
| Net loans and leases to total assets | 74.4618% | 1,197 |
| Net loans and leases to deposits | 103.3938% | 313 |
| Net loans and leases to core deposits | 109.4586% | 609 |
| Total domestic deposits to total assets | 72.0177% | 6,359 |
| Equity capital to assets | 14.0412% | 905 |
| Core capital (leverage) ratio | 9.1031% | 4,864 |
| Tier 1 risk-based capital ratio | 11.0013% | 6,153 |
| Total risk-based capital ratio | 12.2155% | 6,120 |
| Memoranda: | ||
| Average total assets | $32,931,737,500 | 46 |
| Average earning assets | $29,145,471,500 | 46 |
| Average equity | $4,608,604,500 | 43 |
| Average total loans | $24,567,361,500 | 38 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7786% | 4,882 |
| Cost of funding earning assets | 0.3528% | 5,105 |
| Net interest margin | 3.4258% | 4,182 |
| Noninterest income to average assets | 1.1099% | 1,140 |
| Noninterest expense to average assets | 2.8291% | 3,620 |
| Loan and lease loss provision to assets | 0.1404% | 2,551 |
| Net operating income to assets | 0.7900% | 3,342 |
| Return on assets (ROA) | 0.7901% | 3,446 |
| Pretax return on assets | 1.1563% | 2,745 |
| Return on Equity (ROE) | 5.3620% | 4,466 |
| Retained earnings to average equity (ytd only) | 0.3086% | 5,705 |
| Net charge-offs to loans | 0.1912% | 2,936 |
| Credit loss provision to net charge-offs | 99.6060% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.2011% | 2,539 |
| Efficiency ratio | 66.5352% | 4,463 |
| Assets per employee ($millions) | 6.4579% | 1,005 |
| Cash dividends to net income (ytd only)* | 94.2453% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 6,236 |
| Loan loss allowance to noncurrent loans | 50.1419% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 1.2173% | 2,968 |
| Noncurrent loans to loans | 1.5321% | 2,593 |
| Net loans and leases to total assets | 73.5927% | 1,422 |
| Net loans and leases to deposits | 107.4559% | 219 |
| Net loans and leases to core deposits | 111.2390% | 563 |
| Total domestic deposits to total assets | 68.4864% | 6,572 |
| Equity capital to assets | 13.9478% | 917 |
| Core capital (leverage) ratio | 9.0503% | 4,929 |
| Tier 1 risk-based capital ratio | 11.1352% | 6,105 |
| Total risk-based capital ratio | 12.3567% | 6,068 |
| Memoranda: | ||
| Average total assets | $31,157,937,400 | 49 |
| Average earning assets | $27,429,214,600 | 47 |
| Average equity | $4,590,943,600 | 43 |
| Average total loans | $22,968,733,200 | 39 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 4,729 |
| Cost of funding earning assets | 0.3598% | 5,200 |
| Net interest margin | 3.4722% | 4,005 |
| Noninterest income to average assets | 1.1262% | 1,155 |
| Noninterest expense to average assets | 2.8622% | 3,433 |
| Loan and lease loss provision to assets | 0.1463% | 2,450 |
| Net operating income to assets | 0.7979% | 3,354 |
| Return on assets (ROA) | 0.7980% | 3,487 |
| Pretax return on assets | 1.1686% | 2,815 |
| Return on Equity (ROE) | 5.3392% | 4,542 |
| Retained earnings to average equity (ytd only) | 0.3127% | 5,841 |
| Net charge-offs to loans | 0.1979% | 2,652 |
| Credit loss provision to net charge-offs | 100.4681% | 2,326 |
| Earnings coverage of net charge-offs (x) | 9.0281% | 2,537 |
| Efficiency ratio | 66.4815% | 4,400 |
| Assets per employee ($millions) | 6.1241% | 1,153 |
| Cash dividends to net income (ytd only)* | 94.1425% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8076% | 6,269 |
| Loan loss allowance to noncurrent loans | 46.4040% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 1.3861% | 2,883 |
| Noncurrent loans to loans | 1.7403% | 2,581 |
| Net loans and leases to total assets | 73.9214% | 1,301 |
| Net loans and leases to deposits | 104.0993% | 294 |
| Net loans and leases to core deposits | 107.3096% | 694 |
| Total domestic deposits to total assets | 71.0105% | 6,548 |
| Equity capital to assets | 14.5326% | 819 |
| Core capital (leverage) ratio | 9.5133% | 4,380 |
| Tier 1 risk-based capital ratio | 11.8493% | 5,878 |
| Total risk-based capital ratio | 13.1561% | 5,780 |
| Memoranda: | ||
| Average total assets | $30,703,964,250 | 49 |
| Average earning assets | $26,978,202,500 | 48 |
| Average equity | $4,588,900,750 | 43 |
| Average total loans | $22,597,369,000 | 39 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 4,675 |
| Cost of funding earning assets | 0.3625% | 5,297 |
| Net interest margin | 3.4813% | 3,859 |
| Noninterest income to average assets | 1.1252% | 1,205 |
| Noninterest expense to average assets | 2.8603% | 3,476 |
| Loan and lease loss provision to assets | 0.1416% | 2,562 |
| Net operating income to assets | 0.7972% | 3,310 |
| Return on assets (ROA) | 0.7973% | 3,464 |
| Pretax return on assets | 1.1838% | 2,747 |
| Return on Equity (ROE) | 5.2848% | 4,573 |
| Retained earnings to average equity (ytd only) | 0.3758% | 5,744 |
| Net charge-offs to loans | 0.2144% | 2,476 |
| Credit loss provision to net charge-offs | 90.1285% | 2,436 |
| Earnings coverage of net charge-offs (x) | 8.4366% | 2,395 |
| Efficiency ratio | 66.2865% | 4,501 |
| Assets per employee ($millions) | 6.0850% | 1,144 |
| Cash dividends to net income (ytd only)* | 92.8894% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 6,339 |
| Loan loss allowance to noncurrent loans | 43.9174% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 1.4461% | 2,931 |
| Noncurrent loans to loans | 1.8396% | 2,581 |
| Net loans and leases to total assets | 73.3126% | 1,355 |
| Net loans and leases to deposits | 103.6266% | 275 |
| Net loans and leases to core deposits | 106.9229% | 695 |
| Total domestic deposits to total assets | 70.7468% | 6,627 |
| Equity capital to assets | 14.6729% | 785 |
| Core capital (leverage) ratio | 9.5400% | 4,182 |
| Tier 1 risk-based capital ratio | 11.9152% | 5,843 |
| Total risk-based capital ratio | 13.2240% | 5,757 |
| Memoranda: | ||
| Average total assets | $30,515,375,000 | 49 |
| Average earning assets | $26,825,734,330 | 48 |
| Average equity | $4,603,765,000 | 43 |
| Average total loans | $22,362,081,330 | 39 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 4,477 |
| Cost of funding earning assets | 0.3602% | 5,446 |
| Net interest margin | 3.5390% | 3,530 |
| Noninterest income to average assets | 1.0920% | 1,238 |
| Noninterest expense to average assets | 2.9232% | 3,256 |
| Loan and lease loss provision to assets | 0.1643% | 2,224 |
| Net operating income to assets | 0.7497% | 3,436 |
| Return on assets (ROA) | 0.7498% | 3,572 |
| Pretax return on assets | 1.1140% | 2,899 |
| Return on Equity (ROE) | 4.9007% | 4,630 |
| Retained earnings to average equity (ytd only) | -0.2892% | 5,832 |
| Net charge-offs to loans | 0.2390% | 2,015 |
| Credit loss provision to net charge-offs | 94.2029% | 1,950 |
| Earnings coverage of net charge-offs (x) | 7.3283% | 2,084 |
| Efficiency ratio | 67.5151% | 4,406 |
| Assets per employee ($millions) | 6.0212% | 1,242 |
| Cash dividends to net income (ytd only)* | 105.9004% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 6,386 |
| Loan loss allowance to noncurrent loans | 42.9352% | 5,481 |
| Noncurrent assets plus other real estate owned to assets | 1.5237% | 2,972 |
| Noncurrent loans to loans | 1.9597% | 2,664 |
| Net loans and leases to total assets | 72.6840% | 1,248 |
| Net loans and leases to deposits | 101.1962% | 308 |
| Net loans and leases to core deposits | 104.4999% | 693 |
| Total domestic deposits to total assets | 71.8249% | 6,666 |
| Equity capital to assets | 15.2105% | 710 |
| Core capital (leverage) ratio | 9.7339% | 3,746 |
| Tier 1 risk-based capital ratio | 12.1168% | 5,844 |
| Total risk-based capital ratio | 13.4651% | 5,741 |
| Memoranda: | ||
| Average total assets | $30,225,948,500 | 49 |
| Average earning assets | $26,555,715,500 | 48 |
| Average equity | $4,624,428,500 | 44 |
| Average total loans | $22,052,300,500 | 39 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 4,068 |
| Cost of funding earning assets | 0.4071% | 5,870 |
| Net interest margin | 3.9282% | 2,706 |
| Noninterest income to average assets | 1.1339% | 1,213 |
| Noninterest expense to average assets | 3.0397% | 3,139 |
| Loan and lease loss provision to assets | 0.1743% | 3,440 |
| Net operating income to assets | 0.9010% | 2,814 |
| Return on assets (ROA) | 0.9013% | 3,050 |
| Pretax return on assets | 1.3346% | 2,275 |
| Return on Equity (ROE) | 5.4132% | 4,474 |
| Retained earnings to average equity (ytd only) | -1.2823% | 6,059 |
| Net charge-offs to loans | 0.2105% | 3,706 |
| Credit loss provision to net charge-offs | 111.6436% | 2,613 |
| Earnings coverage of net charge-offs (x) | 9.6633% | 2,239 |
| Efficiency ratio | 64.7446% | 4,750 |
| Assets per employee ($millions) | 5.8184% | 1,416 |
| Cash dividends to net income (ytd only)* | 123.6875% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 6,370 |
| Loan loss allowance to noncurrent loans | 43.0279% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 1.5475% | 3,069 |
| Noncurrent loans to loans | 2.0003% | 2,695 |
| Net loans and leases to total assets | 71.9874% | 1,491 |
| Net loans and leases to deposits | 99.4868% | 433 |
| Net loans and leases to core deposits | 102.8274% | 842 |
| Total domestic deposits to total assets | 72.3588% | 6,671 |
| Equity capital to assets | 15.3894% | 659 |
| Core capital (leverage) ratio | 9.8113% | 3,645 |
| Tier 1 risk-based capital ratio | 12.1733% | 5,674 |
| Total risk-based capital ratio | 13.0967% | 5,842 |
| Memoranda: | ||
| Average total assets | $28,256,127,600 | 48 |
| Average earning assets | $24,559,970,000 | 48 |
| Average equity | $4,704,660,800 | 43 |
| Average total loans | $20,958,193,000 | 39 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 3,914 |
| Cost of funding earning assets | 0.4175% | 6,006 |
| Net interest margin | 4.0146% | 2,450 |
| Noninterest income to average assets | 1.1315% | 1,180 |
| Noninterest expense to average assets | 3.0838% | 2,932 |
| Loan and lease loss provision to assets | 0.1787% | 3,349 |
| Net operating income to assets | 0.9116% | 2,922 |
| Return on assets (ROA) | 0.9120% | 3,150 |
| Pretax return on assets | 1.3525% | 2,404 |
| Return on Equity (ROE) | 5.3673% | 4,654 |
| Retained earnings to average equity (ytd only) | 0.8508% | 5,823 |
| Net charge-offs to loans | 0.2195% | 3,413 |
| Credit loss provision to net charge-offs | 109.1884% | 2,689 |
| Earnings coverage of net charge-offs (x) | 9.3510% | 2,331 |
| Efficiency ratio | 64.7376% | 4,670 |
| Assets per employee ($millions) | 5.4859% | 1,651 |
| Cash dividends to net income (ytd only)* | 84.1490% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8806% | 6,427 |
| Loan loss allowance to noncurrent loans | 39.4665% | 5,668 |
| Noncurrent assets plus other real estate owned to assets | 1.7335% | 3,007 |
| Noncurrent loans to loans | 2.2312% | 2,579 |
| Net loans and leases to total assets | 73.9056% | 1,258 |
| Net loans and leases to deposits | 97.9750% | 545 |
| Net loans and leases to core deposits | 101.4552% | 1,024 |
| Total domestic deposits to total assets | 75.4332% | 6,465 |
| Equity capital to assets | 16.7423% | 496 |
| Core capital (leverage) ratio | 10.8044% | 2,595 |
| Tier 1 risk-based capital ratio | 13.1857% | 5,103 |
| Total risk-based capital ratio | 14.1423% | 5,297 |
| Memoranda: | ||
| Average total assets | $27,798,387,500 | 49 |
| Average earning assets | $24,117,649,500 | 50 |
| Average equity | $4,723,271,500 | 42 |
| Average total loans | $20,736,001,750 | 40 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 3,884 |
| Cost of funding earning assets | 0.4277% | 6,113 |
| Net interest margin | 4.0455% | 2,315 |
| Noninterest income to average assets | 1.1159% | 1,147 |
| Noninterest expense to average assets | 3.0885% | 2,960 |
| Loan and lease loss provision to assets | 0.1600% | 3,518 |
| Net operating income to assets | 0.9246% | 2,785 |
| Return on assets (ROA) | 0.9249% | 3,045 |
| Pretax return on assets | 1.3721% | 2,318 |
| Return on Equity (ROE) | 5.4164% | 4,619 |
| Retained earnings to average equity (ytd only) | 1.3879% | 5,501 |
| Net charge-offs to loans | 0.2397% | 3,135 |
| Credit loss provision to net charge-offs | 89.4739% | 3,066 |
| Earnings coverage of net charge-offs (x) | 8.5661% | 2,272 |
| Efficiency ratio | 64.7526% | 4,753 |
| Assets per employee ($millions) | 5.7012% | 1,442 |
| Cash dividends to net income (ytd only)* | 74.3756% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 6,529 |
| Loan loss allowance to noncurrent loans | 35.4142% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 1.8938% | 2,915 |
| Noncurrent loans to loans | 2.4574% | 2,445 |
| Net loans and leases to total assets | 73.5485% | 1,321 |
| Net loans and leases to deposits | 95.6657% | 652 |
| Net loans and leases to core deposits | 99.0609% | 1,170 |
| Total domestic deposits to total assets | 76.8807% | 6,341 |
| Equity capital to assets | 16.9729% | 449 |
| Core capital (leverage) ratio | 10.9776% | 2,322 |
| Tier 1 risk-based capital ratio | 13.0839% | 5,125 |
| Total risk-based capital ratio | 14.0046% | 5,345 |
| Memoranda: | ||
| Average total assets | $27,619,688,670 | 50 |
| Average earning assets | $23,923,250,330 | 50 |
| Average equity | $4,716,416,330 | 42 |
| Average total loans | $20,605,732,000 | 40 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 4,000 |
| Cost of funding earning assets | 0.4273% | 6,273 |
| Net interest margin | 4.0539% | 2,279 |
| Noninterest income to average assets | 1.0988% | 1,175 |
| Noninterest expense to average assets | 3.1208% | 2,849 |
| Loan and lease loss provision to assets | 0.1673% | 3,302 |
| Net operating income to assets | 0.8830% | 3,002 |
| Return on assets (ROA) | 0.8832% | 3,221 |
| Pretax return on assets | 1.3196% | 2,472 |
| Return on Equity (ROE) | 5.1563% | 4,712 |
| Retained earnings to average equity (ytd only) | 1.7556% | 5,360 |
| Net charge-offs to loans | 0.2186% | 2,834 |
| Credit loss provision to net charge-offs | 102.2616% | 2,251 |
| Earnings coverage of net charge-offs (x) | 9.0891% | 1,883 |
| Efficiency ratio | 65.6429% | 4,624 |
| Assets per employee ($millions) | 5.6659% | 1,550 |
| Cash dividends to net income (ytd only)* | 65.9533% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8893% | 6,563 |
| Loan loss allowance to noncurrent loans | 33.2675% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 2.0729% | 2,803 |
| Noncurrent loans to loans | 2.6731% | 2,437 |
| Net loans and leases to total assets | 73.9183% | 1,081 |
| Net loans and leases to deposits | 95.9304% | 543 |
| Net loans and leases to core deposits | 99.4148% | 1,021 |
| Total domestic deposits to total assets | 77.0541% | 6,398 |
| Equity capital to assets | 17.0882% | 414 |
| Core capital (leverage) ratio | 11.0323% | 2,237 |
| Tier 1 risk-based capital ratio | 13.1369% | 5,104 |
| Total risk-based capital ratio | 14.0791% | 5,316 |
| Memoranda: | ||
| Average total assets | $27,467,344,500 | 50 |
| Average earning assets | $23,772,896,000 | 50 |
| Average equity | $4,704,829,500 | 42 |
| Average total loans | $20,549,471,500 | 40 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9045% | 3,329 |
| Cost of funding earning assets | 0.5428% | 6,374 |
| Net interest margin | 4.3617% | 1,507 |
| Noninterest income to average assets | 1.1837% | 946 |
| Noninterest expense to average assets | 3.5134% | 1,947 |
| Loan and lease loss provision to assets | 0.2507% | 3,693 |
| Net operating income to assets | 0.7888% | 3,089 |
| Return on assets (ROA) | 0.8117% | 3,158 |
| Pretax return on assets | 1.2084% | 2,431 |
| Return on Equity (ROE) | 4.6185% | 4,564 |
| Retained earnings to average equity (ytd only) | 1.0368% | 5,376 |
| Net charge-offs to loans | 0.2607% | 4,147 |
| Credit loss provision to net charge-offs | 130.9133% | 2,331 |
| Earnings coverage of net charge-offs (x) | 7.4403% | 2,336 |
| Efficiency ratio | 69.0892% | 4,132 |
| Assets per employee ($millions) | 5.2446% | 1,890 |
| Cash dividends to net income (ytd only)* | 77.5502% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7800% | 6,782 |
| Loan loss allowance to noncurrent loans | 28.8191% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 2.1325% | 2,818 |
| Noncurrent loans to loans | 2.7067% | 2,398 |
| Net loans and leases to total assets | 74.4640% | 1,185 |
| Net loans and leases to deposits | 97.6370% | 582 |
| Net loans and leases to core deposits | 101.4153% | 1,069 |
| Total domestic deposits to total assets | 76.2661% | 6,442 |
| Equity capital to assets | 17.1699% | 431 |
| Core capital (leverage) ratio | 11.1020% | 2,189 |
| Tier 1 risk-based capital ratio | 13.1300% | 4,969 |
| Total risk-based capital ratio | 13.9715% | 5,270 |
| Memoranda: | ||
| Average total assets | $25,417,056,600 | 51 |
| Average earning assets | $21,879,927,200 | 52 |
| Average equity | $4,467,235,800 | 42 |
| Average total loans | $18,670,014,600 | 43 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 3,387 |
| Cost of funding earning assets | 0.5629% | 6,459 |
| Net interest margin | 4.3762% | 1,473 |
| Noninterest income to average assets | 1.2160% | 890 |
| Noninterest expense to average assets | 3.4866% | 1,975 |
| Loan and lease loss provision to assets | 0.2301% | 3,713 |
| Net operating income to assets | 0.8454% | 2,959 |
| Return on assets (ROA) | 0.8764% | 2,982 |
| Pretax return on assets | 1.3109% | 2,254 |
| Return on Equity (ROE) | 4.9550% | 4,554 |
| Retained earnings to average equity (ytd only) | 4.9550% | 3,201 |
| Net charge-offs to loans | 0.2826% | 3,670 |
| Credit loss provision to net charge-offs | 111.4971% | 2,945 |
| Earnings coverage of net charge-offs (x) | 7.2433% | 2,390 |
| Efficiency ratio | 67.9720% | 4,323 |
| Assets per employee ($millions) | 5.0047% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 6,913 |
| Loan loss allowance to noncurrent loans | 29.2083% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 2.0082% | 3,130 |
| Noncurrent loans to loans | 2.5321% | 2,737 |
| Net loans and leases to total assets | 74.5413% | 1,227 |
| Net loans and leases to deposits | 97.7025% | 591 |
| Net loans and leases to core deposits | 101.5825% | 1,115 |
| Total domestic deposits to total assets | 76.2942% | 6,493 |
| Equity capital to assets | 18.0867% | 378 |
| Core capital (leverage) ratio | 11.8279% | 1,811 |
| Tier 1 risk-based capital ratio | 14.1212% | 4,263 |
| Total risk-based capital ratio | 14.9341% | 4,557 |
| Memoranda: | ||
| Average total assets | $24,941,494,750 | 51 |
| Average earning assets | $21,459,647,000 | 53 |
| Average equity | $4,411,371,500 | 41 |
| Average total loans | $18,211,774,250 | 42 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 3,565 |
| Cost of funding earning assets | 0.5661% | 6,600 |
| Net interest margin | 4.3445% | 1,525 |
| Noninterest income to average assets | 1.2633% | 788 |
| Noninterest expense to average assets | 3.4394% | 2,155 |
| Loan and lease loss provision to assets | 0.2356% | 3,555 |
| Net operating income to assets | 0.8817% | 2,730 |
| Return on assets (ROA) | 0.8818% | 2,829 |
| Pretax return on assets | 1.3240% | 2,065 |
| Return on Equity (ROE) | 5.0275% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.0275% | 2,994 |
| Net charge-offs to loans | 0.3289% | 3,243 |
| Credit loss provision to net charge-offs | 99.1338% | 3,190 |
| Earnings coverage of net charge-offs (x) | 6.5628% | 2,374 |
| Efficiency ratio | 66.8475% | 4,718 |
| Assets per employee ($millions) | 4.9558% | 2,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 6,838 |
| Loan loss allowance to noncurrent loans | 27.8189% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 2.2499% | 2,915 |
| Noncurrent loans to loans | 2.9348% | 2,481 |
| Net loans and leases to total assets | 71.2805% | 1,940 |
| Net loans and leases to deposits | 95.9247% | 729 |
| Net loans and leases to core deposits | 99.3937% | 1,397 |
| Total domestic deposits to total assets | 74.3088% | 6,806 |
| Equity capital to assets | 17.5988% | 416 |
| Core capital (leverage) ratio | 11.6006% | 1,842 |
| Tier 1 risk-based capital ratio | 14.1602% | 4,052 |
| Total risk-based capital ratio | 15.0394% | 4,286 |
| Memoranda: | ||
| Average total assets | $24,293,640,670 | 56 |
| Average earning assets | $20,887,887,330 | 55 |
| Average equity | $4,260,953,330 | 45 |
| Average total loans | $17,552,431,000 | 47 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 3,275 |
| Cost of funding earning assets | 0.5767% | 6,702 |
| Net interest margin | 4.3874% | 1,319 |
| Noninterest income to average assets | 1.2405% | 823 |
| Noninterest expense to average assets | 3.4348% | 2,183 |
| Loan and lease loss provision to assets | 0.2420% | 3,254 |
| Net operating income to assets | 0.8849% | 2,639 |
| Return on assets (ROA) | 0.8851% | 2,707 |
| Pretax return on assets | 1.3290% | 1,944 |
| Return on Equity (ROE) | 5.0552% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.0552% | 3,153 |
| Net charge-offs to loans | 0.3307% | 2,734 |
| Credit loss provision to net charge-offs | 101.0109% | 2,612 |
| Earnings coverage of net charge-offs (x) | 6.5563% | 2,081 |
| Efficiency ratio | 66.6560% | 4,919 |
| Assets per employee ($millions) | 4.9810% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8273% | 6,867 |
| Loan loss allowance to noncurrent loans | 25.0889% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 2.5283% | 2,700 |
| Noncurrent loans to loans | 3.2973% | 2,283 |
| Net loans and leases to total assets | 71.3369% | 1,850 |
| Net loans and leases to deposits | 95.7544% | 707 |
| Net loans and leases to core deposits | 99.2306% | 1,406 |
| Total domestic deposits to total assets | 74.4999% | 6,858 |
| Equity capital to assets | 17.4417% | 405 |
| Core capital (leverage) ratio | 11.4452% | 1,880 |
| Tier 1 risk-based capital ratio | 13.9209% | 4,125 |
| Total risk-based capital ratio | 14.8091% | 4,352 |
| Memoranda: | ||
| Average total assets | $24,115,278,000 | 55 |
| Average earning assets | $20,693,616,000 | 55 |
| Average equity | $4,222,342,500 | 46 |
| Average total loans | $17,470,881,500 | 48 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6335% | 6,008 |
| Cost of funding earning assets | 0.6701% | 6,961 |
| Net interest margin | 3.9634% | 3,189 |
| Noninterest income to average assets | 1.3091% | 856 |
| Noninterest expense to average assets | 3.7368% | 1,613 |
| Loan and lease loss provision to assets | 0.2813% | 4,557 |
| Net operating income to assets | 0.4639% | 4,254 |
| Return on assets (ROA) | 0.4608% | 4,435 |
| Pretax return on assets | 0.6864% | 4,022 |
| Return on Equity (ROE) | 2.5459% | 5,158 |
| Retained earnings to average equity (ytd only) | 2.5459% | 4,091 |
| Net charge-offs to loans | 0.4594% | 3,781 |
| Credit loss provision to net charge-offs | 84.4940% | 5,366 |
| Earnings coverage of net charge-offs (x) | 2.9204% | 3,615 |
| Efficiency ratio | 77.1977% | 2,840 |
| Assets per employee ($millions) | 4.8780% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 6,899 |
| Loan loss allowance to noncurrent loans | 23.5338% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 2.7472% | 2,541 |
| Noncurrent loans to loans | 3.5361% | 2,133 |
| Net loans and leases to total assets | 72.3666% | 2,012 |
| Net loans and leases to deposits | 95.9272% | 877 |
| Net loans and leases to core deposits | 99.3606% | 1,666 |
| Total domestic deposits to total assets | 75.4390% | 6,704 |
| Equity capital to assets | 17.5778% | 400 |
| Core capital (leverage) ratio | 11.4199% | 1,879 |
| Tier 1 risk-based capital ratio | 13.6208% | 4,119 |
| Total risk-based capital ratio | 14.5440% | 4,333 |
| Memoranda: | ||
| Average total assets | $21,333,375,200 | 57 |
| Average earning assets | $18,300,617,800 | 58 |
| Average equity | $3,861,239,000 | 46 |
| Average total loans | $15,459,597,600 | 50 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 6,121 |
| Cost of funding earning assets | 0.7041% | 7,049 |
| Net interest margin | 3.9672% | 3,248 |
| Noninterest income to average assets | 1.3494% | 740 |
| Noninterest expense to average assets | 3.8325% | 1,313 |
| Loan and lease loss provision to assets | 0.3158% | 4,053 |
| Net operating income to assets | 0.4112% | 4,699 |
| Return on assets (ROA) | 0.4111% | 4,877 |
| Pretax return on assets | 0.6101% | 4,566 |
| Return on Equity (ROE) | 2.2527% | 5,511 |
| Retained earnings to average equity (ytd only) | 2.2527% | 4,813 |
| Net charge-offs to loans | 0.4622% | 3,440 |
| Credit loss provision to net charge-offs | 94.4892% | 4,587 |
| Earnings coverage of net charge-offs (x) | 2.7704% | 3,761 |
| Efficiency ratio | 78.4379% | 2,562 |
| Assets per employee ($millions) | 4.4362% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 6,361 |
| Loan loss allowance to noncurrent loans | 47.0430% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 1.7651% | 3,793 |
| Noncurrent loans to loans | 2.1412% | 3,524 |
| Net loans and leases to total assets | 73.6704% | 1,871 |
| Net loans and leases to deposits | 95.7406% | 1,016 |
| Net loans and leases to core deposits | 98.8930% | 1,947 |
| Total domestic deposits to total assets | 76.9479% | 6,488 |
| Equity capital to assets | 19.6028% | 309 |
| Core capital (leverage) ratio | 13.0016% | 1,231 |
| Tier 1 risk-based capital ratio | 15.4430% | 3,031 |
| Total risk-based capital ratio | 16.4024% | 3,154 |
| Memoranda: | ||
| Average total assets | $20,702,138,500 | 57 |
| Average earning assets | $17,789,816,250 | 59 |
| Average equity | $3,778,107,750 | 46 |
| Average total loans | $14,971,914,500 | 52 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 6,517 |
| Cost of funding earning assets | 0.7182% | 7,155 |
| Net interest margin | 3.8623% | 3,625 |
| Noninterest income to average assets | 1.3398% | 702 |
| Noninterest expense to average assets | 3.8548% | 1,258 |
| Loan and lease loss provision to assets | 0.2622% | 4,302 |
| Net operating income to assets | 0.3717% | 4,884 |
| Return on assets (ROA) | 0.3716% | 5,048 |
| Pretax return on assets | 0.5516% | 4,733 |
| Return on Equity (ROE) | 2.0870% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.0870% | 4,812 |
| Net charge-offs to loans | 0.4871% | 3,081 |
| Credit loss provision to net charge-offs | 75.1578% | 4,832 |
| Earnings coverage of net charge-offs (x) | 2.3331% | 3,832 |
| Efficiency ratio | 80.6119% | 2,356 |
| Assets per employee ($millions) | 4.4519% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 6,544 |
| Loan loss allowance to noncurrent loans | 50.6883% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 1.6031% | 4,039 |
| Noncurrent loans to loans | 1.9056% | 3,860 |
| Net loans and leases to total assets | 73.8289% | 1,943 |
| Net loans and leases to deposits | 94.8131% | 1,171 |
| Net loans and leases to core deposits | 94.8311% | 2,601 |
| Total domestic deposits to total assets | 77.8678% | 6,297 |
| Equity capital to assets | 19.4654% | 314 |
| Core capital (leverage) ratio | 12.8406% | 1,262 |
| Tier 1 risk-based capital ratio | 15.6827% | 2,812 |
| Total risk-based capital ratio | 16.6301% | 2,927 |
| Memoranda: | ||
| Average total assets | $20,797,708,000 | 56 |
| Average earning assets | $17,925,367,330 | 58 |
| Average equity | $3,703,475,000 | 46 |
| Average total loans | $14,898,164,000 | 51 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 7,138 |
| Cost of funding earning assets | 0.7191% | 7,293 |
| Net interest margin | 3.5774% | 4,825 |
| Noninterest income to average assets | 1.2900% | 729 |
| Noninterest expense to average assets | 3.6312% | 1,665 |
| Loan and lease loss provision to assets | 0.1806% | 4,719 |
| Net operating income to assets | 0.3842% | 4,911 |
| Return on assets (ROA) | 0.3843% | 5,046 |
| Pretax return on assets | 0.5804% | 4,684 |
| Return on Equity (ROE) | 2.2601% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.2601% | 4,776 |
| Net charge-offs to loans | 0.3388% | 3,053 |
| Credit loss provision to net charge-offs | 75.8988% | 3,977 |
| Earnings coverage of net charge-offs (x) | 3.1979% | 2,988 |
| Efficiency ratio | 80.6321% | 2,466 |
| Assets per employee ($millions) | 4.7683% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 6,485 |
| Loan loss allowance to noncurrent loans | 60.5061% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.3059% | 4,582 |
| Noncurrent loans to loans | 1.6505% | 4,274 |
| Net loans and leases to total assets | 70.9655% | 2,707 |
| Net loans and leases to deposits | 98.2777% | 885 |
| Net loans and leases to core deposits | 98.2969% | 2,314 |
| Total domestic deposits to total assets | 72.2092% | 7,244 |
| Equity capital to assets | 18.3871% | 384 |
| Core capital (leverage) ratio | 12.3229% | 1,482 |
| Tier 1 risk-based capital ratio | 15.3829% | 2,928 |
| Total risk-based capital ratio | 16.3407% | 3,027 |
| Memoranda: | ||
| Average total assets | $20,997,218,500 | 55 |
| Average earning assets | $18,206,850,000 | 55 |
| Average equity | $3,569,867,500 | 47 |
| Average total loans | $14,743,739,500 | 50 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3105% | 7,551 |
| Cost of funding earning assets | 1.0271% | 7,155 |
| Net interest margin | 3.2834% | 5,805 |
| Noninterest income to average assets | 1.3392% | 834 |
| Noninterest expense to average assets | 3.2160% | 3,323 |
| Loan and lease loss provision to assets | 0.2730% | 5,226 |
| Net operating income to assets | 0.4565% | 3,900 |
| Return on assets (ROA) | 0.5372% | 3,672 |
| Pretax return on assets | 0.7700% | 3,345 |
| Return on Equity (ROE) | 3.1865% | 4,421 |
| Retained earnings to average equity (ytd only) | 3.1865% | 2,927 |
| Net charge-offs to loans | 0.3255% | 4,608 |
| Credit loss provision to net charge-offs | 112.5899% | 4,874 |
| Earnings coverage of net charge-offs (x) | 3.8265% | 3,181 |
| Efficiency ratio | 75.2356% | 3,665 |
| Assets per employee ($millions) | 4.7595% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 5,904 |
| Loan loss allowance to noncurrent loans | 82.4984% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.0452% | 5,011 |
| Noncurrent loans to loans | 1.3328% | 4,697 |
| Net loans and leases to total assets | 67.9473% | 3,712 |
| Net loans and leases to deposits | 90.6726% | 2,111 |
| Net loans and leases to core deposits | 100.2594% | 3,966 |
| Total domestic deposits to total assets | 74.9370% | 6,874 |
| Equity capital to assets | 15.5678% | 773 |
| Core capital (leverage) ratio | 10.0140% | 3,075 |
| Tier 1 risk-based capital ratio | 13.0887% | 4,086 |
| Total risk-based capital ratio | 14.1380% | 4,170 |
| Memoranda: | ||
| Average total assets | $20,873,998,800 | 58 |
| Average earning assets | $17,830,139,000 | 60 |
| Average equity | $3,518,993,600 | 47 |
| Average total loans | $15,547,413,400 | 51 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 7,645 |
| Cost of funding earning assets | 1.0826% | 7,213 |
| Net interest margin | 3.2602% | 5,788 |
| Noninterest income to average assets | 1.3389% | 859 |
| Noninterest expense to average assets | 3.1971% | 3,305 |
| Loan and lease loss provision to assets | 0.2761% | 4,769 |
| Net operating income to assets | 0.4373% | 4,243 |
| Return on assets (ROA) | 0.5435% | 3,900 |
| Pretax return on assets | 0.7928% | 3,563 |
| Return on Equity (ROE) | 3.1645% | 4,722 |
| Retained earnings to average equity (ytd only) | 3.1645% | 3,547 |
| Net charge-offs to loans | 0.3103% | 4,096 |
| Credit loss provision to net charge-offs | 117.2346% | 4,342 |
| Earnings coverage of net charge-offs (x) | 3.8845% | 3,352 |
| Efficiency ratio | 75.3469% | 3,627 |
| Assets per employee ($millions) | 4.2883% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 5,658 |
| Loan loss allowance to noncurrent loans | 82.2402% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 4,874 |
| Noncurrent loans to loans | 1.3508% | 4,671 |
| Net loans and leases to total assets | 75.2944% | 2,157 |
| Net loans and leases to deposits | 93.7477% | 1,924 |
| Net loans and leases to core deposits | 104.7558% | 3,849 |
| Total domestic deposits to total assets | 80.3161% | 5,324 |
| Equity capital to assets | 16.9202% | 646 |
| Core capital (leverage) ratio | 10.8796% | 2,499 |
| Tier 1 risk-based capital ratio | 12.8328% | 4,304 |
| Total risk-based capital ratio | 13.9875% | 4,311 |
| Memoranda: | ||
| Average total assets | $20,933,164,750 | 62 |
| Average earning assets | $17,805,139,000 | 65 |
| Average equity | $3,595,547,000 | 47 |
| Average total loans | $15,889,664,750 | 53 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1926% | 7,831 |
| Cost of funding earning assets | 1.0842% | 7,405 |
| Net interest margin | 3.1084% | 6,208 |
| Noninterest income to average assets | 1.2725% | 941 |
| Noninterest expense to average assets | 3.1213% | 3,616 |
| Loan and lease loss provision to assets | 0.2019% | 5,033 |
| Net operating income to assets | 0.4095% | 4,475 |
| Return on assets (ROA) | 0.5338% | 4,073 |
| Pretax return on assets | 0.7787% | 3,749 |
| Return on Equity (ROE) | 3.0943% | 4,864 |
| Retained earnings to average equity (ytd only) | 3.0943% | 3,597 |
| Net charge-offs to loans | 0.2560% | 3,918 |
| Credit loss provision to net charge-offs | 104.0247% | 4,416 |
| Earnings coverage of net charge-offs (x) | 4.1245% | 3,208 |
| Efficiency ratio | 77.1254% | 3,489 |
| Assets per employee ($millions) | 4.2671% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 5,815 |
| Loan loss allowance to noncurrent loans | 82.4251% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 4,823 |
| Noncurrent loans to loans | 1.2916% | 4,615 |
| Net loans and leases to total assets | 76.4538% | 2,063 |
| Net loans and leases to deposits | 95.0275% | 1,949 |
| Net loans and leases to core deposits | 106.3515% | 3,799 |
| Total domestic deposits to total assets | 80.4544% | 5,300 |
| Equity capital to assets | 16.8227% | 688 |
| Core capital (leverage) ratio | 10.7383% | 2,619 |
| Tier 1 risk-based capital ratio | 12.6071% | 4,436 |
| Total risk-based capital ratio | 13.7279% | 4,462 |
| Memoranda: | ||
| Average total assets | $21,657,107,330 | 64 |
| Average earning assets | $18,459,749,000 | 66 |
| Average equity | $3,735,913,330 | 48 |
| Average total loans | $16,424,574,000 | 54 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 8,008 |
| Cost of funding earning assets | 1.0377% | 7,612 |
| Net interest margin | 2.8965% | 6,754 |
| Noninterest income to average assets | 1.1273% | 1,159 |
| Noninterest expense to average assets | 2.8830% | 4,217 |
| Loan and lease loss provision to assets | 0.1364% | 5,215 |
| Net operating income to assets | 0.3914% | 4,889 |
| Return on assets (ROA) | 0.4774% | 4,721 |
| Pretax return on assets | 0.7082% | 4,407 |
| Return on Equity (ROE) | 2.7400% | 5,479 |
| Retained earnings to average equity (ytd only) | 2.7400% | 4,362 |
| Net charge-offs to loans | 0.2995% | 2,917 |
| Credit loss provision to net charge-offs | 60.5247% | 4,509 |
| Earnings coverage of net charge-offs (x) | 3.1778% | 3,260 |
| Efficiency ratio | 77.6116% | 3,234 |
| Assets per employee ($millions) | 4.4456% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,097 |
| Loan loss allowance to noncurrent loans | 102.1822% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8585% | 5,048 |
| Noncurrent loans to loans | 0.9907% | 5,014 |
| Net loans and leases to total assets | 78.0197% | 1,821 |
| Net loans and leases to deposits | 97.2522% | 1,770 |
| Net loans and leases to core deposits | 108.8936% | 3,574 |
| Total domestic deposits to total assets | 80.2240% | 5,275 |
| Equity capital to assets | 16.8327% | 744 |
| Core capital (leverage) ratio | 10.6219% | 2,814 |
| Tier 1 risk-based capital ratio | 12.3663% | 4,645 |
| Total risk-based capital ratio | 13.4495% | 4,693 |
| Memoranda: | ||
| Average total assets | $23,134,235,500 | 64 |
| Average earning assets | $19,743,634,500 | 67 |
| Average equity | $4,030,708,000 | 47 |
| Average total loans | $17,410,408,500 | 54 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8224% | 6,364 |
| Cost of funding earning assets | 1.7747% | 7,077 |
| Net interest margin | 4.0477% | 2,916 |
| Noninterest income to average assets | 1.5903% | 554 |
| Noninterest expense to average assets | 3.8850% | 1,589 |
| Loan and lease loss provision to assets | 0.1468% | 5,480 |
| Net operating income to assets | 0.7056% | 3,870 |
| Return on assets (ROA) | 0.7629% | 3,452 |
| Pretax return on assets | 1.1341% | 2,900 |
| Return on Equity (ROE) | 3.7786% | 4,904 |
| Retained earnings to average equity (ytd only) | -46.0952% | 8,107 |
| Net charge-offs to loans | 0.1076% | 5,209 |
| Credit loss provision to net charge-offs | 182.7577% | 2,726 |
| Earnings coverage of net charge-offs (x) | 14.8795% | 1,991 |
| Efficiency ratio | 74.1274% | 3,551 |
| Assets per employee ($millions) | 4.6308% | 2,433 |
| Cash dividends to net income (ytd only)* | 1,319.9042% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 5,624 |
| Loan loss allowance to noncurrent loans | 154.5740% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 5,479 |
| Noncurrent loans to loans | 0.6795% | 5,340 |
| Net loans and leases to total assets | 74.8565% | 2,909 |
| Net loans and leases to deposits | 92.5504% | 3,043 |
| Net loans and leases to core deposits | 102.0895% | 4,599 |
| Total domestic deposits to total assets | 80.8819% | 4,691 |
| Equity capital to assets | 16.0171% | 927 |
| Core capital (leverage) ratio | 10.0083% | 3,437 |
| Tier 1 risk-based capital ratio | 12.2433% | 4,636 |
| Total risk-based capital ratio | 13.3730% | 4,609 |
| Memoranda: | ||
| Average total assets | $17,875,209,000 | 69 |
| Average earning assets | $15,412,444,800 | 73 |
| Average equity | $3,609,092,400 | 50 |
| Average total loans | $13,344,190,400 | 64 |