Home > Santander Bank, N.A. > Performance and Condition Ratios
Santander Bank, N.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1603% | 1,742 |
| Cost of funding earning assets | 2.4810% | 378 |
| Net interest margin | 2.6793% | 3,849 |
| Noninterest income to average assets | 1.4100% | 417 |
| Noninterest expense to average assets | 2.8918% | 1,293 |
| Loan and lease loss provision to assets | 0.7600% | 100 |
| Net operating income to assets | 0.2616% | 4,080 |
| Return on assets (ROA) | 0.2601% | 4,089 |
| Pretax return on assets | -0.0118% | 4,360 |
| Return on Equity (ROE) | 2.3000% | 4,120 |
| Retained earnings to average equity (ytd only) | 2.3045% | 3,503 |
| Net charge-offs to loans | 0.7345% | 138 |
| Credit loss provision to net charge-offs | 184.7226% | 1,281 |
| Earnings coverage of net charge-offs (x) | 1.7667% | 2,742 |
| Efficiency ratio | 79.3118% | 959 |
| Assets per employee ($millions) | 18.8781% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8532% | 136 |
| Loan loss allowance to noncurrent loans | 200.6819% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.8285% | 610 |
| Noncurrent loans to loans | 1.4217% | 491 |
| Net loans and leases to total assets | 54.9600% | 3,281 |
| Net loans and leases to deposits | 74.0585% | 2,610 |
| Net loans and leases to core deposits | 83.5116% | 2,494 |
| Total domestic deposits to total assets | 74.2200% | 4,092 |
| Equity capital to assets | 11.6307% | 1,242 |
| Core capital (leverage) ratio | 11.5485% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2226% | 1,042 |
| Memoranda: | ||
| Average total assets | $101,144,749,800 | 31 |
| Average earning assets | $84,469,873,200 | 32 |
| Average equity | $11,414,076,800 | 27 |
| Average total loans | $58,749,068,000 | 27 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 1,661 |
| Cost of funding earning assets | 2.3638% | 355 |
| Net interest margin | 2.7195% | 3,859 |
| Noninterest income to average assets | 1.4300% | 415 |
| Noninterest expense to average assets | 2.7911% | 1,452 |
| Loan and lease loss provision to assets | 0.7900% | 90 |
| Net operating income to assets | 0.2860% | 4,128 |
| Return on assets (ROA) | 0.2834% | 4,136 |
| Pretax return on assets | 0.1280% | 4,324 |
| Return on Equity (ROE) | 2.5300% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.5303% | 3,628 |
| Net charge-offs to loans | 0.5421% | 159 |
| Credit loss provision to net charge-offs | 254.1270% | 974 |
| Earnings coverage of net charge-offs (x) | 2.9005% | 2,458 |
| Efficiency ratio | 75.2136% | 1,250 |
| Assets per employee ($millions) | 14.2750% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7802% | 150 |
| Loan loss allowance to noncurrent loans | 291.6411% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.5913% | 995 |
| Noncurrent loans to loans | 0.9533% | 865 |
| Net loans and leases to total assets | 57.7500% | 3,048 |
| Net loans and leases to deposits | 76.1096% | 2,401 |
| Net loans and leases to core deposits | 86.7802% | 2,134 |
| Total domestic deposits to total assets | 75.8700% | 4,021 |
| Equity capital to assets | 11.6424% | 1,141 |
| Core capital (leverage) ratio | 11.3615% | 1,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0583% | 1,306 |
| Memoranda: | ||
| Average total assets | $101,308,943,000 | 31 |
| Average earning assets | $85,064,440,250 | 33 |
| Average equity | $11,345,732,000 | 28 |
| Average total loans | $59,222,698,000 | 28 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 1,707 |
| Cost of funding earning assets | 2.2299% | 319 |
| Net interest margin | 2.6920% | 3,985 |
| Noninterest income to average assets | 1.3000% | 395 |
| Noninterest expense to average assets | 2.7408% | 1,551 |
| Loan and lease loss provision to assets | 0.7700% | 95 |
| Net operating income to assets | 0.3008% | 4,153 |
| Return on assets (ROA) | 0.2969% | 4,189 |
| Pretax return on assets | 0.0609% | 4,416 |
| Return on Equity (ROE) | 2.6900% | 4,196 |
| Retained earnings to average equity (ytd only) | 2.6853% | 3,555 |
| Net charge-offs to loans | 0.4791% | 174 |
| Credit loss provision to net charge-offs | 277.3909% | 900 |
| Earnings coverage of net charge-offs (x) | 3.0075% | 2,288 |
| Efficiency ratio | 73.8241% | 1,364 |
| Assets per employee ($millions) | 14.3808% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5342% | 213 |
| Loan loss allowance to noncurrent loans | 324.3608% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 1,132 |
| Noncurrent loans to loans | 0.7813% | 971 |
| Net loans and leases to total assets | 56.7700% | 3,063 |
| Net loans and leases to deposits | 75.2842% | 2,386 |
| Net loans and leases to core deposits | 86.5385% | 2,027 |
| Total domestic deposits to total assets | 75.4000% | 4,092 |
| Equity capital to assets | 11.1575% | 1,317 |
| Core capital (leverage) ratio | 10.8959% | 1,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9459% | 1,330 |
| Memoranda: | ||
| Average total assets | $102,222,334,667 | 31 |
| Average earning assets | $86,445,874,000 | 33 |
| Average equity | $11,302,398,667 | 27 |
| Average total loans | $59,447,678,000 | 28 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 2,022 |
| Cost of funding earning assets | 1.9383% | 337 |
| Net interest margin | 2.6867% | 4,089 |
| Noninterest income to average assets | 1.1800% | 450 |
| Noninterest expense to average assets | 2.6262% | 1,882 |
| Loan and lease loss provision to assets | 0.8200% | 83 |
| Net operating income to assets | 0.0694% | 4,446 |
| Return on assets (ROA) | 0.0632% | 4,431 |
| Pretax return on assets | 0.0233% | 4,440 |
| Return on Equity (ROE) | 0.5700% | 4,415 |
| Retained earnings to average equity (ytd only) | 0.5740% | 3,940 |
| Net charge-offs to loans | 0.4549% | 182 |
| Credit loss provision to net charge-offs | 308.5961% | 679 |
| Earnings coverage of net charge-offs (x) | 3.1998% | 1,894 |
| Efficiency ratio | 72.8172% | 1,460 |
| Assets per employee ($millions) | 14.3070% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3115% | 276 |
| Loan loss allowance to noncurrent loans | 377.1783% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 1,443 |
| Noncurrent loans to loans | 0.6128% | 1,219 |
| Net loans and leases to total assets | 56.0800% | 3,038 |
| Net loans and leases to deposits | 77.2612% | 2,014 |
| Net loans and leases to core deposits | 87.7420% | 1,759 |
| Total domestic deposits to total assets | 72.5800% | 4,339 |
| Equity capital to assets | 10.7417% | 1,436 |
| Core capital (leverage) ratio | 10.7917% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3482% | 1,534 |
| Memoranda: | ||
| Average total assets | $102,209,783,000 | 33 |
| Average earning assets | $87,077,276,500 | 36 |
| Average equity | $11,249,460,500 | 30 |
| Average total loans | $59,395,176,000 | 29 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1565% | 3,896 |
| Cost of funding earning assets | 0.5282% | 1,220 |
| Net interest margin | 2.6283% | 4,138 |
| Noninterest income to average assets | 1.0100% | 629 |
| Noninterest expense to average assets | 2.6097% | 1,802 |
| Loan and lease loss provision to assets | 0.4000% | 177 |
| Net operating income to assets | 0.3336% | 4,336 |
| Return on assets (ROA) | 0.3029% | 4,335 |
| Pretax return on assets | 0.2629% | 4,398 |
| Return on Equity (ROE) | 2.5700% | 4,334 |
| Retained earnings to average equity (ytd only) | 2.5716% | 3,830 |
| Net charge-offs to loans | 0.3110% | 245 |
| Credit loss provision to net charge-offs | 239.7662% | 1,018 |
| Earnings coverage of net charge-offs (x) | 3.9551% | 2,442 |
| Efficiency ratio | 75.7345% | 1,042 |
| Assets per employee ($millions) | 13.2530% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1452% | 332 |
| Loan loss allowance to noncurrent loans | 308.3008% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 1,244 |
| Noncurrent loans to loans | 0.6958% | 1,077 |
| Net loans and leases to total assets | 57.6000% | 2,858 |
| Net loans and leases to deposits | 75.0983% | 2,170 |
| Net loans and leases to core deposits | 83.4146% | 1,907 |
| Total domestic deposits to total assets | 76.6900% | 4,207 |
| Equity capital to assets | 11.2874% | 1,151 |
| Core capital (leverage) ratio | 11.3452% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8568% | 1,399 |
| Memoranda: | ||
| Average total assets | $97,438,547,800 | 35 |
| Average earning assets | $85,182,566,400 | 38 |
| Average equity | $11,477,815,000 | 31 |
| Average total loans | $55,234,991,600 | 34 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8315% | 4,156 |
| Cost of funding earning assets | 0.2915% | 2,260 |
| Net interest margin | 2.5401% | 4,177 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 2.5421% | 1,887 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 0.4101% | 4,223 |
| Return on assets (ROA) | 0.3688% | 4,237 |
| Pretax return on assets | 0.3687% | 4,304 |
| Return on Equity (ROE) | 3.1000% | 4,288 |
| Retained earnings to average equity (ytd only) | 3.0978% | 3,752 |
| Net charge-offs to loans | 0.1886% | 356 |
| Credit loss provision to net charge-offs | 269.4108% | 865 |
| Earnings coverage of net charge-offs (x) | 6.2847% | 2,119 |
| Efficiency ratio | 75.8939% | 1,088 |
| Assets per employee ($millions) | 12.7821% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9959% | 510 |
| Loan loss allowance to noncurrent loans | 278.4344% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4290% | 1,267 |
| Noncurrent loans to loans | 0.7168% | 1,139 |
| Net loans and leases to total assets | 58.1200% | 2,685 |
| Net loans and leases to deposits | 77.7346% | 1,739 |
| Net loans and leases to core deposits | 81.6407% | 1,789 |
| Total domestic deposits to total assets | 74.7600% | 4,421 |
| Equity capital to assets | 11.5696% | 980 |
| Core capital (leverage) ratio | 11.8163% | 1,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2142% | 1,364 |
| Memoranda: | ||
| Average total assets | $97,021,763,250 | 35 |
| Average earning assets | $85,379,854,250 | 37 |
| Average equity | $11,550,663,750 | 33 |
| Average total loans | $54,460,534,500 | 35 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5559% | 4,324 |
| Cost of funding earning assets | 0.1561% | 3,499 |
| Net interest margin | 2.3998% | 4,227 |
| Noninterest income to average assets | 0.8831% | 873 |
| Noninterest expense to average assets | 2.4369% | 2,121 |
| Loan and lease loss provision to assets | 0.1154% | 869 |
| Net operating income to assets | 0.4542% | 3,990 |
| Return on assets (ROA) | 0.4472% | 3,962 |
| Pretax return on assets | 0.4539% | 4,075 |
| Return on Equity (ROE) | 3.7217% | 4,091 |
| Retained earnings to average equity (ytd only) | 3.7217% | 3,195 |
| Net charge-offs to loans | 0.1068% | 564 |
| Credit loss provision to net charge-offs | 258.6736% | 856 |
| Earnings coverage of net charge-offs (x) | 9.7925% | 1,775 |
| Efficiency ratio | 76.9814% | 1,175 |
| Assets per employee ($millions) | 11.7885% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9737% | 586 |
| Loan loss allowance to noncurrent loans | 260.9470% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.4361% | 1,302 |
| Noncurrent loans to loans | 0.7564% | 1,137 |
| Net loans and leases to total assets | 55.9054% | 2,771 |
| Net loans and leases to deposits | 73.0177% | 1,957 |
| Net loans and leases to core deposits | 73.2395% | 2,223 |
| Total domestic deposits to total assets | 76.5641% | 4,434 |
| Equity capital to assets | 12.1528% | 828 |
| Core capital (leverage) ratio | 11.5550% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0669% | 1,170 |
| Memoranda: | ||
| Average total assets | $97,206,932,000 | 36 |
| Average earning assets | $86,281,265,667 | 37 |
| Average equity | $11,680,646,667 | 33 |
| Average total loans | $53,545,648,000 | 35 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3593% | 4,407 |
| Cost of funding earning assets | 0.0970% | 4,173 |
| Net interest margin | 2.2624% | 4,282 |
| Noninterest income to average assets | 0.7766% | 1,097 |
| Noninterest expense to average assets | 2.3009% | 2,498 |
| Loan and lease loss provision to assets | -0.0608% | 4,535 |
| Net operating income to assets | 0.5621% | 3,515 |
| Return on assets (ROA) | 0.5542% | 3,517 |
| Pretax return on assets | 0.5549% | 3,739 |
| Return on Equity (ROE) | 4.6374% | 3,719 |
| Retained earnings to average equity (ytd only) | 4.6374% | 2,726 |
| Net charge-offs to loans | 0.0852% | 575 |
| Credit loss provision to net charge-offs | -20.6770% | 2,774 |
| Earnings coverage of net charge-offs (x) | 10.8820% | 1,450 |
| Efficiency ratio | 75.8236% | 1,548 |
| Assets per employee ($millions) | 11.2339% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8706% | 784 |
| Loan loss allowance to noncurrent loans | 217.3476% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 1,255 |
| Noncurrent loans to loans | 0.8606% | 1,086 |
| Net loans and leases to total assets | 54.5615% | 2,683 |
| Net loans and leases to deposits | 69.5618% | 2,000 |
| Net loans and leases to core deposits | 69.7723% | 2,309 |
| Total domestic deposits to total assets | 78.4361% | 4,377 |
| Equity capital to assets | 12.0776% | 931 |
| Core capital (leverage) ratio | 11.2533% | 1,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4706% | 1,152 |
| Memoranda: | ||
| Average total assets | $98,874,501,000 | 36 |
| Average earning assets | $88,558,687,500 | 36 |
| Average equity | $11,816,947,500 | 32 |
| Average total loans | $53,550,477,000 | 34 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4801% | 4,496 |
| Cost of funding earning assets | 0.1123% | 4,291 |
| Net interest margin | 2.3678% | 4,354 |
| Noninterest income to average assets | 0.6230% | 2,062 |
| Noninterest expense to average assets | 2.2724% | 2,873 |
| Loan and lease loss provision to assets | -0.1497% | 4,627 |
| Net operating income to assets | 0.5185% | 4,042 |
| Return on assets (ROA) | 0.5320% | 4,065 |
| Pretax return on assets | 0.6479% | 4,036 |
| Return on Equity (ROE) | 4.1855% | 4,181 |
| Retained earnings to average equity (ytd only) | 4.1855% | 3,148 |
| Net charge-offs to loans | 0.2113% | 445 |
| Credit loss provision to net charge-offs | -85.8448% | 3,334 |
| Earnings coverage of net charge-offs (x) | 3.9430% | 2,516 |
| Efficiency ratio | 78.6580% | 892 |
| Assets per employee ($millions) | 12.0470% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 754 |
| Loan loss allowance to noncurrent loans | 216.0649% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 1,424 |
| Noncurrent loans to loans | 0.8703% | 1,171 |
| Net loans and leases to total assets | 51.8096% | 3,088 |
| Net loans and leases to deposits | 65.5002% | 2,557 |
| Net loans and leases to core deposits | 65.7041% | 2,848 |
| Total domestic deposits to total assets | 79.0984% | 4,309 |
| Equity capital to assets | 11.8327% | 1,327 |
| Core capital (leverage) ratio | 11.1805% | 1,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4548% | 1,171 |
| Memoranda: | ||
| Average total assets | $94,508,729,800 | 36 |
| Average earning assets | $85,061,095,600 | 36 |
| Average equity | $12,013,190,000 | 29 |
| Average total loans | $54,628,024,200 | 32 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5474% | 4,543 |
| Cost of funding earning assets | 0.1221% | 4,333 |
| Net interest margin | 2.4254% | 4,369 |
| Noninterest income to average assets | 0.6067% | 2,191 |
| Noninterest expense to average assets | 2.2155% | 3,020 |
| Loan and lease loss provision to assets | -0.1956% | 4,747 |
| Net operating income to assets | 0.6278% | 3,956 |
| Return on assets (ROA) | 0.6464% | 3,961 |
| Pretax return on assets | 0.7908% | 3,908 |
| Return on Equity (ROE) | 4.9903% | 4,123 |
| Retained earnings to average equity (ytd only) | 4.9903% | 3,224 |
| Net charge-offs to loans | 0.2121% | 391 |
| Credit loss provision to net charge-offs | -143.2897% | 3,308 |
| Earnings coverage of net charge-offs (x) | 4.5618% | 2,260 |
| Efficiency ratio | 75.7710% | 1,050 |
| Assets per employee ($millions) | 11.5466% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8850% | 792 |
| Loan loss allowance to noncurrent loans | 184.5638% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.5697% | 1,352 |
| Noncurrent loans to loans | 1.0214% | 1,122 |
| Net loans and leases to total assets | 54.3349% | 2,933 |
| Net loans and leases to deposits | 66.7894% | 2,559 |
| Net loans and leases to core deposits | 67.0164% | 2,857 |
| Total domestic deposits to total assets | 81.3525% | 4,043 |
| Equity capital to assets | 12.4966% | 1,168 |
| Core capital (leverage) ratio | 11.6704% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7015% | 1,192 |
| Memoranda: | ||
| Average total assets | $92,674,654,250 | 36 |
| Average earning assets | $83,345,424,000 | 36 |
| Average equity | $12,003,727,750 | 29 |
| Average total loans | $54,840,834,750 | 32 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5960% | 4,548 |
| Cost of funding earning assets | 0.1366% | 4,303 |
| Net interest margin | 2.4594% | 4,353 |
| Noninterest income to average assets | 0.6091% | 2,176 |
| Noninterest expense to average assets | 2.2436% | 2,944 |
| Loan and lease loss provision to assets | -0.2489% | 4,807 |
| Net operating income to assets | 0.7093% | 3,738 |
| Return on assets (ROA) | 0.7392% | 3,727 |
| Pretax return on assets | 0.8576% | 3,754 |
| Return on Equity (ROE) | 5.6367% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.6367% | 2,944 |
| Net charge-offs to loans | 0.2371% | 368 |
| Credit loss provision to net charge-offs | -139.5974% | 3,122 |
| Earnings coverage of net charge-offs (x) | 4.0004% | 2,048 |
| Efficiency ratio | 75.8041% | 1,100 |
| Assets per employee ($millions) | 11.1128% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9337% | 693 |
| Loan loss allowance to noncurrent loans | 184.1875% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 1,360 |
| Noncurrent loans to loans | 1.0499% | 1,168 |
| Net loans and leases to total assets | 56.9535% | 2,787 |
| Net loans and leases to deposits | 69.5057% | 2,462 |
| Net loans and leases to core deposits | 72.0901% | 2,596 |
| Total domestic deposits to total assets | 81.9408% | 3,936 |
| Equity capital to assets | 12.6802% | 1,057 |
| Core capital (leverage) ratio | 11.9567% | 1,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4399% | 1,240 |
| Memoranda: | ||
| Average total assets | $91,201,124,000 | 35 |
| Average earning assets | $81,899,103,667 | 36 |
| Average equity | $11,960,445,000 | 29 |
| Average total loans | $55,197,721,000 | 32 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6734% | 4,508 |
| Cost of funding earning assets | 0.1591% | 4,244 |
| Net interest margin | 2.5143% | 4,276 |
| Noninterest income to average assets | 0.6023% | 2,197 |
| Noninterest expense to average assets | 2.2951% | 2,808 |
| Loan and lease loss provision to assets | -0.2694% | 4,847 |
| Net operating income to assets | 0.6676% | 3,784 |
| Return on assets (ROA) | 0.7036% | 3,757 |
| Pretax return on assets | 0.8706% | 3,670 |
| Return on Equity (ROE) | 5.2723% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.2723% | 3,135 |
| Net charge-offs to loans | 0.2520% | 338 |
| Credit loss provision to net charge-offs | -109.3798% | 2,847 |
| Earnings coverage of net charge-offs (x) | 3.5735% | 1,758 |
| Efficiency ratio | 76.2248% | 1,113 |
| Assets per employee ($millions) | 10.1378% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0950% | 506 |
| Loan loss allowance to noncurrent loans | 219.0692% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.5977% | 1,598 |
| Noncurrent loans to loans | 0.9563% | 1,415 |
| Net loans and leases to total assets | 60.6059% | 2,462 |
| Net loans and leases to deposits | 73.6084% | 2,146 |
| Net loans and leases to core deposits | 76.5256% | 2,305 |
| Total domestic deposits to total assets | 82.3357% | 3,825 |
| Equity capital to assets | 13.3714% | 817 |
| Core capital (leverage) ratio | 12.1301% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3576% | 1,208 |
| Memoranda: | ||
| Average total assets | $89,205,401,000 | 35 |
| Average earning assets | $79,813,924,000 | 38 |
| Average equity | $11,905,349,000 | 29 |
| Average total loans | $55,154,301,500 | 32 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1145% | 4,553 |
| Cost of funding earning assets | 0.4509% | 3,273 |
| Net interest margin | 2.6636% | 4,427 |
| Noninterest income to average assets | 0.6389% | 2,069 |
| Noninterest expense to average assets | 4.5813% | 243 |
| Loan and lease loss provision to assets | 0.6779% | 247 |
| Net operating income to assets | -2.0681% | 4,963 |
| Return on assets (ROA) | -2.0338% | 4,963 |
| Pretax return on assets | -2.2424% | 4,964 |
| Return on Equity (ROE) | -14.0182% | 4,966 |
| Retained earnings to average equity (ytd only) | -14.0182% | 4,942 |
| Net charge-offs to loans | 0.4550% | 361 |
| Credit loss provision to net charge-offs | 233.0504% | 2,003 |
| Earnings coverage of net charge-offs (x) | -5.5077% | 3,382 |
| Efficiency ratio | 79.2258% | 937 |
| Assets per employee ($millions) | 10.0950% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2178% | 391 |
| Loan loss allowance to noncurrent loans | 249.3923% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 1,896 |
| Noncurrent loans to loans | 0.8893% | 1,584 |
| Net loans and leases to total assets | 60.3850% | 2,808 |
| Net loans and leases to deposits | 73.3098% | 2,561 |
| Net loans and leases to core deposits | 75.8481% | 2,740 |
| Total domestic deposits to total assets | 82.3696% | 3,575 |
| Equity capital to assets | 13.3208% | 990 |
| Core capital (leverage) ratio | 12.1328% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9185% | 1,282 |
| Memoranda: | ||
| Average total assets | $87,130,015,000 | 35 |
| Average earning assets | $76,554,202,000 | 36 |
| Average equity | $12,641,118,200 | 27 |
| Average total loans | $55,704,668,400 | 30 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2269% | 4,557 |
| Cost of funding earning assets | 0.5321% | 3,035 |
| Net interest margin | 2.6949% | 4,471 |
| Noninterest income to average assets | 0.6367% | 2,040 |
| Noninterest expense to average assets | 5.2810% | 169 |
| Loan and lease loss provision to assets | 0.8362% | 205 |
| Net operating income to assets | -2.7973% | 5,001 |
| Return on assets (ROA) | -2.7517% | 5,001 |
| Pretax return on assets | -3.0713% | 5,005 |
| Return on Equity (ROE) | -18.5735% | 4,997 |
| Retained earnings to average equity (ytd only) | -18.5735% | 4,979 |
| Net charge-offs to loans | 0.4481% | 349 |
| Credit loss provision to net charge-offs | 289.3510% | 1,800 |
| Earnings coverage of net charge-offs (x) | -7.9086% | 3,197 |
| Efficiency ratio | 78.0281% | 1,036 |
| Assets per employee ($millions) | 9.4378% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2478% | 319 |
| Loan loss allowance to noncurrent loans | 301.6658% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 2,239 |
| Noncurrent loans to loans | 0.7451% | 1,941 |
| Net loans and leases to total assets | 62.7789% | 2,908 |
| Net loans and leases to deposits | 79.8445% | 2,334 |
| Net loans and leases to core deposits | 82.5397% | 2,617 |
| Total domestic deposits to total assets | 78.6265% | 4,114 |
| Equity capital to assets | 13.8639% | 895 |
| Core capital (leverage) ratio | 12.1276% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6147% | 1,348 |
| Memoranda: | ||
| Average total assets | $86,537,010,750 | 35 |
| Average earning assets | $75,740,898,750 | 36 |
| Average equity | $12,820,804,000 | 27 |
| Average total loans | $55,812,943,500 | 30 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3326% | 4,616 |
| Cost of funding earning assets | 0.6495% | 2,700 |
| Net interest margin | 2.6832% | 4,573 |
| Noninterest income to average assets | 0.6072% | 2,101 |
| Noninterest expense to average assets | 6.6486% | 117 |
| Loan and lease loss provision to assets | 1.1601% | 150 |
| Net operating income to assets | -4.2984% | 5,047 |
| Return on assets (ROA) | -4.2317% | 5,047 |
| Pretax return on assets | -4.7854% | 5,046 |
| Return on Equity (ROE) | -27.9676% | 5,043 |
| Retained earnings to average equity (ytd only) | -27.9676% | 5,029 |
| Net charge-offs to loans | 0.5080% | 316 |
| Credit loss provision to net charge-offs | 353.5969% | 1,503 |
| Earnings coverage of net charge-offs (x) | -11.2810% | 2,987 |
| Efficiency ratio | 77.5032% | 1,105 |
| Assets per employee ($millions) | 9.2098% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1903% | 341 |
| Loan loss allowance to noncurrent loans | 282.8497% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 2,275 |
| Noncurrent loans to loans | 0.7744% | 1,949 |
| Net loans and leases to total assets | 63.5676% | 2,932 |
| Net loans and leases to deposits | 83.2216% | 2,075 |
| Net loans and leases to core deposits | 86.6218% | 2,387 |
| Total domestic deposits to total assets | 76.3836% | 4,389 |
| Equity capital to assets | 13.6176% | 954 |
| Core capital (leverage) ratio | 11.7484% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4094% | 1,385 |
| Memoranda: | ||
| Average total assets | $86,663,553,667 | 35 |
| Average earning assets | $75,588,577,000 | 35 |
| Average equity | $13,112,802,667 | 27 |
| Average total loans | $55,973,116,667 | 30 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5735% | 4,556 |
| Cost of funding earning assets | 0.8390% | 2,177 |
| Net interest margin | 2.7345% | 4,635 |
| Noninterest income to average assets | 0.6147% | 1,975 |
| Noninterest expense to average assets | 2.7202% | 2,655 |
| Loan and lease loss provision to assets | 0.8755% | 268 |
| Net operating income to assets | -0.4052% | 4,910 |
| Return on assets (ROA) | -0.3658% | 4,873 |
| Pretax return on assets | -0.5598% | 4,898 |
| Return on Equity (ROE) | -2.3007% | 4,846 |
| Retained earnings to average equity (ytd only) | -2.3007% | 4,285 |
| Net charge-offs to loans | 0.5662% | 262 |
| Credit loss provision to net charge-offs | 240.2029% | 1,312 |
| Earnings coverage of net charge-offs (x) | 0.7295% | 2,447 |
| Efficiency ratio | 87.8171% | 593 |
| Assets per employee ($millions) | 9.1628% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 708 |
| Loan loss allowance to noncurrent loans | 271.4499% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 2,707 |
| Noncurrent loans to loans | 0.6627% | 2,331 |
| Net loans and leases to total assets | 62.2508% | 3,274 |
| Net loans and leases to deposits | 88.3900% | 1,712 |
| Net loans and leases to core deposits | 94.3481% | 1,937 |
| Total domestic deposits to total assets | 70.4274% | 4,841 |
| Equity capital to assets | 15.6538% | 644 |
| Core capital (leverage) ratio | 12.5867% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8228% | 1,388 |
| Memoranda: | ||
| Average total assets | $86,120,043,000 | 35 |
| Average earning assets | $74,683,737,000 | 35 |
| Average equity | $13,694,430,000 | 25 |
| Average total loans | $55,444,654,500 | 30 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 4,237 |
| Cost of funding earning assets | 0.9699% | 1,862 |
| Net interest margin | 3.0399% | 4,467 |
| Noninterest income to average assets | 0.7320% | 1,699 |
| Noninterest expense to average assets | 2.7755% | 2,680 |
| Loan and lease loss provision to assets | 0.2548% | 709 |
| Net operating income to assets | 0.2955% | 4,754 |
| Return on assets (ROA) | 0.3025% | 4,775 |
| Pretax return on assets | 0.3579% | 4,761 |
| Return on Equity (ROE) | 1.7993% | 4,818 |
| Retained earnings to average equity (ytd only) | -0.0339% | 4,705 |
| Net charge-offs to loans | 0.4045% | 480 |
| Credit loss provision to net charge-offs | 94.3554% | 2,601 |
| Earnings coverage of net charge-offs (x) | 2.2380% | 3,439 |
| Efficiency ratio | 78.9564% | 1,040 |
| Assets per employee ($millions) | 8.7092% | 548 |
| Cash dividends to net income (ytd only)* | 101.8861% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 3,680 |
| Loan loss allowance to noncurrent loans | 128.7381% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 2,369 |
| Noncurrent loans to loans | 0.7483% | 2,013 |
| Net loans and leases to total assets | 64.7740% | 3,100 |
| Net loans and leases to deposits | 89.0535% | 1,691 |
| Net loans and leases to core deposits | 97.2666% | 1,790 |
| Total domestic deposits to total assets | 72.7360% | 4,840 |
| Equity capital to assets | 16.1578% | 576 |
| Core capital (leverage) ratio | 12.7737% | 1,343 |
| Tier 1 risk-based capital ratio | 15.8011% | 2,475 |
| Total risk-based capital ratio | 16.7665% | 2,505 |
| Memoranda: | ||
| Average total assets | $81,109,907,000 | 34 |
| Average earning assets | $70,652,442,800 | 35 |
| Average equity | $13,637,208,800 | 25 |
| Average total loans | $54,153,516,400 | 30 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 4,209 |
| Cost of funding earning assets | 0.9740% | 1,874 |
| Net interest margin | 3.1018% | 4,471 |
| Noninterest income to average assets | 0.7398% | 1,622 |
| Noninterest expense to average assets | 2.7191% | 2,814 |
| Loan and lease loss provision to assets | 0.2420% | 685 |
| Net operating income to assets | 0.4071% | 4,710 |
| Return on assets (ROA) | 0.4118% | 4,728 |
| Pretax return on assets | 0.4847% | 4,715 |
| Return on Equity (ROE) | 2.4245% | 4,854 |
| Retained earnings to average equity (ytd only) | 0.7122% | 4,622 |
| Net charge-offs to loans | 0.3842% | 434 |
| Credit loss provision to net charge-offs | 93.8635% | 2,356 |
| Earnings coverage of net charge-offs (x) | 2.7969% | 3,163 |
| Efficiency ratio | 75.8429% | 1,352 |
| Assets per employee ($millions) | 8.4294% | 584 |
| Cash dividends to net income (ytd only)* | 70.6249% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 3,733 |
| Loan loss allowance to noncurrent loans | 118.8626% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 2,313 |
| Noncurrent loans to loans | 0.8162% | 1,931 |
| Net loans and leases to total assets | 65.5245% | 3,112 |
| Net loans and leases to deposits | 90.6969% | 1,604 |
| Net loans and leases to core deposits | 97.8284% | 1,839 |
| Total domestic deposits to total assets | 71.8158% | 4,929 |
| Equity capital to assets | 16.5178% | 556 |
| Core capital (leverage) ratio | 13.3760% | 1,183 |
| Tier 1 risk-based capital ratio | 16.0120% | 2,422 |
| Total risk-based capital ratio | 16.9890% | 2,475 |
| Memoranda: | ||
| Average total assets | $80,219,670,250 | 35 |
| Average earning assets | $69,843,363,500 | 36 |
| Average equity | $13,626,275,750 | 26 |
| Average total loans | $53,847,361,500 | 31 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 4,116 |
| Cost of funding earning assets | 0.9548% | 1,886 |
| Net interest margin | 3.1642% | 4,428 |
| Noninterest income to average assets | 0.6755% | 1,808 |
| Noninterest expense to average assets | 2.6839% | 2,959 |
| Loan and lease loss provision to assets | 0.2557% | 597 |
| Net operating income to assets | 0.4051% | 4,725 |
| Return on assets (ROA) | 0.4073% | 4,745 |
| Pretax return on assets | 0.4977% | 4,705 |
| Return on Equity (ROE) | 2.3748% | 4,892 |
| Retained earnings to average equity (ytd only) | 0.9008% | 4,467 |
| Net charge-offs to loans | 0.3250% | 524 |
| Credit loss provision to net charge-offs | 116.6492% | 1,780 |
| Earnings coverage of net charge-offs (x) | 3.4247% | 2,846 |
| Efficiency ratio | 75.8965% | 1,408 |
| Assets per employee ($millions) | 8.2250% | 616 |
| Cash dividends to net income (ytd only)* | 62.0690% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 3,517 |
| Loan loss allowance to noncurrent loans | 110.9028% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 2,093 |
| Noncurrent loans to loans | 0.9171% | 1,790 |
| Net loans and leases to total assets | 66.9825% | 2,964 |
| Net loans and leases to deposits | 93.3672% | 1,329 |
| Net loans and leases to core deposits | 98.6939% | 1,829 |
| Total domestic deposits to total assets | 71.4217% | 4,998 |
| Equity capital to assets | 16.8747% | 482 |
| Core capital (leverage) ratio | 13.6070% | 1,077 |
| Tier 1 risk-based capital ratio | 16.1908% | 2,332 |
| Total risk-based capital ratio | 17.2103% | 2,376 |
| Memoranda: | ||
| Average total assets | $79,111,790,330 | 35 |
| Average earning assets | $68,984,836,000 | 36 |
| Average equity | $13,568,535,000 | 26 |
| Average total loans | $53,370,588,330 | 31 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1040% | 4,117 |
| Cost of funding earning assets | 0.9205% | 1,918 |
| Net interest margin | 3.1835% | 4,421 |
| Noninterest income to average assets | 0.6557% | 1,801 |
| Noninterest expense to average assets | 2.6981% | 2,910 |
| Loan and lease loss provision to assets | 0.2598% | 551 |
| Net operating income to assets | 0.3982% | 4,735 |
| Return on assets (ROA) | 0.3917% | 4,765 |
| Pretax return on assets | 0.4742% | 4,740 |
| Return on Equity (ROE) | 2.2648% | 4,931 |
| Retained earnings to average equity (ytd only) | 0.7816% | 4,365 |
| Net charge-offs to loans | 0.2786% | 531 |
| Credit loss provision to net charge-offs | 138.4336% | 1,307 |
| Earnings coverage of net charge-offs (x) | 3.9527% | 2,362 |
| Efficiency ratio | 76.2947% | 1,471 |
| Assets per employee ($millions) | 7.9879% | 674 |
| Cash dividends to net income (ytd only)* | 65.4879% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,409 |
| Loan loss allowance to noncurrent loans | 105.1486% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 1,971 |
| Noncurrent loans to loans | 0.9985% | 1,672 |
| Net loans and leases to total assets | 67.0586% | 2,886 |
| Net loans and leases to deposits | 90.9078% | 1,518 |
| Net loans and leases to core deposits | 96.2823% | 1,908 |
| Total domestic deposits to total assets | 73.4489% | 4,970 |
| Equity capital to assets | 17.2342% | 426 |
| Core capital (leverage) ratio | 13.8546% | 986 |
| Tier 1 risk-based capital ratio | 16.7696% | 2,184 |
| Total risk-based capital ratio | 17.8367% | 2,189 |
| Memoranda: | ||
| Average total assets | $77,966,405,500 | 36 |
| Average earning assets | $68,187,093,500 | 37 |
| Average equity | $13,484,584,000 | 27 |
| Average total loans | $52,513,008,000 | 32 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 4,329 |
| Cost of funding earning assets | 0.6933% | 2,133 |
| Net interest margin | 3.1804% | 4,519 |
| Noninterest income to average assets | 0.7427% | 1,680 |
| Noninterest expense to average assets | 2.6811% | 3,095 |
| Loan and lease loss provision to assets | 0.1368% | 1,568 |
| Net operating income to assets | 0.5343% | 4,585 |
| Return on assets (ROA) | 0.5285% | 4,592 |
| Pretax return on assets | 0.7026% | 4,409 |
| Return on Equity (ROE) | 2.9532% | 4,906 |
| Retained earnings to average equity (ytd only) | -0.4003% | 5,029 |
| Net charge-offs to loans | 0.2081% | 920 |
| Credit loss provision to net charge-offs | 100.2052% | 2,508 |
| Earnings coverage of net charge-offs (x) | 6.2023% | 3,110 |
| Efficiency ratio | 71.6680% | 1,949 |
| Assets per employee ($millions) | 7.9314% | 674 |
| Cash dividends to net income (ytd only)* | 113.5549% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,343 |
| Loan loss allowance to noncurrent loans | 108.3021% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 2,012 |
| Noncurrent loans to loans | 0.9749% | 1,665 |
| Net loans and leases to total assets | 66.2222% | 3,101 |
| Net loans and leases to deposits | 89.6869% | 1,834 |
| Net loans and leases to core deposits | 94.0705% | 2,223 |
| Total domestic deposits to total assets | 73.3485% | 4,985 |
| Equity capital to assets | 17.3577% | 388 |
| Core capital (leverage) ratio | 14.0774% | 905 |
| Tier 1 risk-based capital ratio | 17.1385% | 2,020 |
| Total risk-based capital ratio | 18.2166% | 2,022 |
| Memoranda: | ||
| Average total assets | $74,981,535,000 | 36 |
| Average earning assets | $65,659,733,000 | 37 |
| Average equity | $13,418,853,800 | 27 |
| Average total loans | $49,185,230,000 | 33 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 4,415 |
| Cost of funding earning assets | 0.6477% | 2,162 |
| Net interest margin | 3.1616% | 4,592 |
| Noninterest income to average assets | 0.7536% | 1,660 |
| Noninterest expense to average assets | 2.6457% | 3,135 |
| Loan and lease loss provision to assets | 0.1090% | 1,845 |
| Net operating income to assets | 0.5983% | 4,507 |
| Return on assets (ROA) | 0.5973% | 4,517 |
| Pretax return on assets | 0.7655% | 4,385 |
| Return on Equity (ROE) | 3.3115% | 4,954 |
| Retained earnings to average equity (ytd only) | -0.6621% | 5,110 |
| Net charge-offs to loans | 0.2072% | 819 |
| Credit loss provision to net charge-offs | 80.5740% | 2,522 |
| Earnings coverage of net charge-offs (x) | 6.4761% | 2,883 |
| Efficiency ratio | 70.3018% | 2,148 |
| Assets per employee ($millions) | 7.6822% | 719 |
| Cash dividends to net income (ytd only)* | 119.9926% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,388 |
| Loan loss allowance to noncurrent loans | 101.4365% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 2,020 |
| Noncurrent loans to loans | 1.0489% | 1,625 |
| Net loans and leases to total assets | 66.5392% | 3,118 |
| Net loans and leases to deposits | 88.4087% | 2,100 |
| Net loans and leases to core deposits | 91.3667% | 2,537 |
| Total domestic deposits to total assets | 74.8572% | 4,900 |
| Equity capital to assets | 17.8448% | 349 |
| Core capital (leverage) ratio | 14.0782% | 915 |
| Tier 1 risk-based capital ratio | 17.2757% | 1,997 |
| Total risk-based capital ratio | 18.3595% | 2,001 |
| Memoranda: | ||
| Average total assets | $74,416,015,750 | 36 |
| Average earning assets | $65,148,990,750 | 38 |
| Average equity | $13,421,648,250 | 27 |
| Average total loans | $48,556,973,250 | 33 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7392% | 4,492 |
| Cost of funding earning assets | 0.6070% | 2,182 |
| Net interest margin | 3.1322% | 4,657 |
| Noninterest income to average assets | 0.8066% | 1,455 |
| Noninterest expense to average assets | 2.6452% | 3,176 |
| Loan and lease loss provision to assets | 0.1528% | 1,235 |
| Net operating income to assets | 0.5892% | 4,527 |
| Return on assets (ROA) | 0.5891% | 4,526 |
| Pretax return on assets | 0.7516% | 4,385 |
| Return on Equity (ROE) | 3.2546% | 4,974 |
| Retained earnings to average equity (ytd only) | 1.7712% | 4,538 |
| Net charge-offs to loans | 0.2404% | 660 |
| Credit loss provision to net charge-offs | 98.4519% | 2,081 |
| Earnings coverage of net charge-offs (x) | 5.8271% | 2,682 |
| Efficiency ratio | 70.3072% | 2,261 |
| Assets per employee ($millions) | 7.9128% | 645 |
| Cash dividends to net income (ytd only)* | 45.5805% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 3,175 |
| Loan loss allowance to noncurrent loans | 104.2927% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 0.7288% | 2,051 |
| Noncurrent loans to loans | 1.0695% | 1,652 |
| Net loans and leases to total assets | 64.8736% | 3,294 |
| Net loans and leases to deposits | 83.5845% | 2,582 |
| Net loans and leases to core deposits | 86.5428% | 2,875 |
| Total domestic deposits to total assets | 77.1951% | 4,710 |
| Equity capital to assets | 18.1018% | 314 |
| Core capital (leverage) ratio | 14.4324% | 798 |
| Tier 1 risk-based capital ratio | 18.1695% | 1,760 |
| Total risk-based capital ratio | 19.3004% | 1,750 |
| Memoranda: | ||
| Average total assets | $74,487,386,330 | 36 |
| Average earning assets | $65,234,913,670 | 38 |
| Average equity | $13,481,793,000 | 27 |
| Average total loans | $48,107,849,000 | 33 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6579% | 4,574 |
| Cost of funding earning assets | 0.5713% | 2,246 |
| Net interest margin | 3.0866% | 4,727 |
| Noninterest income to average assets | 0.8839% | 1,190 |
| Noninterest expense to average assets | 2.6342% | 3,234 |
| Loan and lease loss provision to assets | 0.2464% | 609 |
| Net operating income to assets | 0.5586% | 4,548 |
| Return on assets (ROA) | 0.5588% | 4,550 |
| Pretax return on assets | 0.7042% | 4,432 |
| Return on Equity (ROE) | 3.0873% | 5,002 |
| Retained earnings to average equity (ytd only) | 1.6042% | 4,459 |
| Net charge-offs to loans | 0.3385% | 452 |
| Credit loss provision to net charge-offs | 113.6262% | 1,423 |
| Earnings coverage of net charge-offs (x) | 4.3823% | 2,309 |
| Efficiency ratio | 69.3385% | 2,612 |
| Assets per employee ($millions) | 7.8875% | 645 |
| Cash dividends to net income (ytd only)* | 48.0395% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 3,013 |
| Loan loss allowance to noncurrent loans | 96.6696% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.7950% | 1,986 |
| Noncurrent loans to loans | 1.2041% | 1,511 |
| Net loans and leases to total assets | 62.7575% | 3,453 |
| Net loans and leases to deposits | 81.3829% | 2,642 |
| Net loans and leases to core deposits | 84.3274% | 2,949 |
| Total domestic deposits to total assets | 76.6542% | 4,904 |
| Equity capital to assets | 18.0337% | 312 |
| Core capital (leverage) ratio | 14.2261% | 825 |
| Tier 1 risk-based capital ratio | 18.7098% | 1,630 |
| Total risk-based capital ratio | 19.8983% | 1,612 |
| Memoranda: | ||
| Average total assets | $74,509,456,500 | 35 |
| Average earning assets | $65,196,785,000 | 36 |
| Average equity | $13,484,920,500 | 27 |
| Average total loans | $47,742,392,500 | 32 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3644% | 4,989 |
| Cost of funding earning assets | 0.5267% | 2,122 |
| Net interest margin | 2.8377% | 5,120 |
| Noninterest income to average assets | 0.9394% | 1,167 |
| Noninterest expense to average assets | 2.7274% | 3,037 |
| Loan and lease loss provision to assets | 0.1955% | 1,066 |
| Net operating income to assets | 0.2793% | 4,966 |
| Return on assets (ROA) | 0.2792% | 4,981 |
| Pretax return on assets | 0.4943% | 4,942 |
| Return on Equity (ROE) | 1.6287% | 5,129 |
| Retained earnings to average equity (ytd only) | 0.8908% | 4,675 |
| Net charge-offs to loans | 0.2864% | 920 |
| Credit loss provision to net charge-offs | 108.8913% | 2,391 |
| Earnings coverage of net charge-offs (x) | 3.8435% | 3,544 |
| Efficiency ratio | 74.5178% | 1,826 |
| Assets per employee ($millions) | 7.9985% | 640 |
| Cash dividends to net income (ytd only)* | 45.3040% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 3,162 |
| Loan loss allowance to noncurrent loans | 88.2184% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 0.8632% | 1,807 |
| Noncurrent loans to loans | 1.2849% | 1,372 |
| Net loans and leases to total assets | 63.9227% | 3,376 |
| Net loans and leases to deposits | 83.6582% | 2,532 |
| Net loans and leases to core deposits | 87.0572% | 2,816 |
| Total domestic deposits to total assets | 75.6981% | 5,012 |
| Equity capital to assets | 18.1630% | 299 |
| Core capital (leverage) ratio | 13.8560% | 868 |
| Tier 1 risk-based capital ratio | 18.1721% | 1,758 |
| Total risk-based capital ratio | 19.3585% | 1,724 |
| Memoranda: | ||
| Average total assets | $79,070,848,400 | 34 |
| Average earning assets | $69,045,063,000 | 35 |
| Average equity | $13,552,430,400 | 25 |
| Average total loans | $49,568,632,200 | 30 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3077% | 5,109 |
| Cost of funding earning assets | 0.5277% | 2,052 |
| Net interest margin | 2.7799% | 5,253 |
| Noninterest income to average assets | 0.9948% | 1,039 |
| Noninterest expense to average assets | 2.6661% | 3,185 |
| Loan and lease loss provision to assets | 0.1624% | 1,258 |
| Net operating income to assets | 0.4421% | 4,897 |
| Return on assets (ROA) | 0.4622% | 4,874 |
| Pretax return on assets | 0.6209% | 4,798 |
| Return on Equity (ROE) | 2.7343% | 5,170 |
| Retained earnings to average equity (ytd only) | 2.2426% | 4,518 |
| Net charge-offs to loans | 0.3008% | 701 |
| Credit loss provision to net charge-offs | 86.7423% | 2,501 |
| Earnings coverage of net charge-offs (x) | 4.0393% | 3,273 |
| Efficiency ratio | 72.6448% | 2,109 |
| Assets per employee ($millions) | 8.2785% | 569 |
| Cash dividends to net income (ytd only)* | 17.9803% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,702 |
| Loan loss allowance to noncurrent loans | 100.2613% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.6994% | 2,410 |
| Noncurrent loans to loans | 1.0620% | 1,819 |
| Net loans and leases to total assets | 61.6688% | 3,687 |
| Net loans and leases to deposits | 83.9315% | 2,566 |
| Net loans and leases to core deposits | 87.7908% | 2,793 |
| Total domestic deposits to total assets | 72.7457% | 5,339 |
| Equity capital to assets | 17.5452% | 374 |
| Core capital (leverage) ratio | 13.6854% | 969 |
| Tier 1 risk-based capital ratio | 18.0805% | 1,835 |
| Total risk-based capital ratio | 19.1982% | 1,818 |
| Memoranda: | ||
| Average total assets | $80,225,957,250 | 32 |
| Average earning assets | $70,053,926,750 | 35 |
| Average equity | $13,559,939,000 | 25 |
| Average total loans | $49,926,707,750 | 30 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2437% | 5,184 |
| Cost of funding earning assets | 0.5272% | 1,940 |
| Net interest margin | 2.7166% | 5,345 |
| Noninterest income to average assets | 0.9652% | 1,098 |
| Noninterest expense to average assets | 2.6752% | 3,178 |
| Loan and lease loss provision to assets | 0.1698% | 1,153 |
| Net operating income to assets | 0.3810% | 5,019 |
| Return on assets (ROA) | 0.3989% | 5,008 |
| Pretax return on assets | 0.5134% | 4,985 |
| Return on Equity (ROE) | 2.3890% | 5,260 |
| Retained earnings to average equity (ytd only) | 2.3890% | 4,251 |
| Net charge-offs to loans | 0.3191% | 638 |
| Credit loss provision to net charge-offs | 85.5244% | 2,204 |
| Earnings coverage of net charge-offs (x) | 3.3262% | 3,061 |
| Efficiency ratio | 74.6663% | 1,905 |
| Assets per employee ($millions) | 8.4012% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0632% | 3,767 |
| Loan loss allowance to noncurrent loans | 85.0799% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8047% | 2,199 |
| Noncurrent loans to loans | 1.2497% | 1,548 |
| Net loans and leases to total assets | 61.1232% | 3,733 |
| Net loans and leases to deposits | 83.8529% | 2,503 |
| Net loans and leases to core deposits | 88.6622% | 2,646 |
| Total domestic deposits to total assets | 72.1777% | 5,444 |
| Equity capital to assets | 17.1621% | 393 |
| Core capital (leverage) ratio | 13.4309% | 1,016 |
| Tier 1 risk-based capital ratio | 17.5905% | 1,977 |
| Total risk-based capital ratio | 18.6848% | 1,984 |
| Memoranda: | ||
| Average total assets | $80,948,545,330 | 32 |
| Average earning assets | $70,627,996,670 | 34 |
| Average equity | $13,514,769,670 | 25 |
| Average total loans | $50,350,399,670 | 29 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1305% | 5,331 |
| Cost of funding earning assets | 0.5410% | 1,776 |
| Net interest margin | 2.5895% | 5,477 |
| Noninterest income to average assets | 0.9416% | 1,127 |
| Noninterest expense to average assets | 2.6419% | 3,336 |
| Loan and lease loss provision to assets | 0.1389% | 1,366 |
| Net operating income to assets | 0.3453% | 5,087 |
| Return on assets (ROA) | 0.3453% | 5,105 |
| Pretax return on assets | 0.4218% | 5,121 |
| Return on Equity (ROE) | 2.0967% | 5,321 |
| Retained earnings to average equity (ytd only) | 2.0967% | 4,307 |
| Net charge-offs to loans | 0.2055% | 848 |
| Credit loss provision to net charge-offs | 108.3346% | 1,488 |
| Earnings coverage of net charge-offs (x) | 4.3723% | 2,397 |
| Efficiency ratio | 77.0250% | 1,753 |
| Assets per employee ($millions) | 8.7679% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0720% | 3,873 |
| Loan loss allowance to noncurrent loans | 94.6776% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 2,439 |
| Noncurrent loans to loans | 1.1323% | 1,801 |
| Net loans and leases to total assets | 61.4450% | 3,609 |
| Net loans and leases to deposits | 82.0753% | 2,500 |
| Net loans and leases to core deposits | 88.3528% | 2,515 |
| Total domestic deposits to total assets | 74.2018% | 5,402 |
| Equity capital to assets | 16.8007% | 399 |
| Core capital (leverage) ratio | 12.8747% | 1,196 |
| Tier 1 risk-based capital ratio | 16.9689% | 2,188 |
| Total risk-based capital ratio | 18.2444% | 2,137 |
| Memoranda: | ||
| Average total assets | $81,735,318,500 | 32 |
| Average earning assets | $71,364,783,000 | 33 |
| Average equity | $13,460,958,500 | 25 |
| Average total loans | $51,006,654,000 | 28 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9287% | 5,550 |
| Cost of funding earning assets | 0.6305% | 1,154 |
| Net interest margin | 2.2982% | 5,713 |
| Noninterest income to average assets | 1.0550% | 1,012 |
| Noninterest expense to average assets | 2.6691% | 3,453 |
| Loan and lease loss provision to assets | 0.1798% | 1,328 |
| Net operating income to assets | 0.1312% | 5,524 |
| Return on assets (ROA) | 0.1742% | 5,503 |
| Pretax return on assets | 0.2670% | 5,409 |
| Return on Equity (ROE) | 1.1274% | 5,550 |
| Retained earnings to average equity (ytd only) | 1.1274% | 4,849 |
| Net charge-offs to loans | 0.3650% | 747 |
| Credit loss provision to net charge-offs | 80.2784% | 2,967 |
| Earnings coverage of net charge-offs (x) | 1.6991% | 3,954 |
| Efficiency ratio | 81.7894% | 1,226 |
| Assets per employee ($millions) | 8.9794% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 4,178 |
| Loan loss allowance to noncurrent loans | 91.4369% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 2,505 |
| Noncurrent loans to loans | 1.1190% | 1,844 |
| Net loans and leases to total assets | 62.0475% | 3,606 |
| Net loans and leases to deposits | 85.5843% | 2,231 |
| Net loans and leases to core deposits | 94.5693% | 2,051 |
| Total domestic deposits to total assets | 71.7586% | 5,575 |
| Equity capital to assets | 16.1481% | 480 |
| Core capital (leverage) ratio | 12.3411% | 1,412 |
| Tier 1 risk-based capital ratio | 16.1681% | 2,482 |
| Total risk-based capital ratio | 17.3859% | 2,431 |
| Memoranda: | ||
| Average total assets | $87,203,059,800 | 29 |
| Average earning assets | $75,688,742,000 | 31 |
| Average equity | $13,475,280,000 | 25 |
| Average total loans | $53,521,905,800 | 27 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9417% | 5,616 |
| Cost of funding earning assets | 0.6561% | 1,024 |
| Net interest margin | 2.2857% | 5,781 |
| Noninterest income to average assets | 1.0720% | 985 |
| Noninterest expense to average assets | 2.6411% | 3,535 |
| Loan and lease loss provision to assets | 0.1831% | 1,201 |
| Net operating income to assets | 0.1819% | 5,496 |
| Return on assets (ROA) | 0.2517% | 5,456 |
| Pretax return on assets | 0.3165% | 5,437 |
| Return on Equity (ROE) | 1.6461% | 5,535 |
| Retained earnings to average equity (ytd only) | 1.6461% | 4,848 |
| Net charge-offs to loans | 0.1892% | 1,233 |
| Credit loss provision to net charge-offs | 158.4833% | 1,712 |
| Earnings coverage of net charge-offs (x) | 3.5698% | 3,396 |
| Efficiency ratio | 80.8247% | 1,321 |
| Assets per employee ($millions) | 9.6931% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1642% | 3,457 |
| Loan loss allowance to noncurrent loans | 100.2145% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 2,648 |
| Noncurrent loans to loans | 1.1617% | 1,930 |
| Net loans and leases to total assets | 61.2093% | 3,714 |
| Net loans and leases to deposits | 84.7692% | 2,394 |
| Net loans and leases to core deposits | 94.5717% | 2,145 |
| Total domestic deposits to total assets | 71.5232% | 5,618 |
| Equity capital to assets | 15.9235% | 563 |
| Core capital (leverage) ratio | 12.2537% | 1,511 |
| Tier 1 risk-based capital ratio | 15.6608% | 2,765 |
| Total risk-based capital ratio | 16.9866% | 2,670 |
| Memoranda: | ||
| Average total assets | $88,234,772,000 | 28 |
| Average earning assets | $76,492,027,750 | 29 |
| Average equity | $13,492,175,250 | 24 |
| Average total loans | $53,879,561,250 | 26 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9652% | 5,674 |
| Cost of funding earning assets | 0.6967% | 820 |
| Net interest margin | 2.2685% | 5,875 |
| Noninterest income to average assets | 1.0701% | 978 |
| Noninterest expense to average assets | 2.7041% | 3,384 |
| Loan and lease loss provision to assets | 0.2349% | 849 |
| Net operating income to assets | 0.0835% | 5,683 |
| Return on assets (ROA) | 0.1961% | 5,586 |
| Pretax return on assets | 0.2251% | 5,587 |
| Return on Equity (ROE) | 1.2999% | 5,644 |
| Retained earnings to average equity (ytd only) | 1.2999% | 4,870 |
| Net charge-offs to loans | 0.1350% | 1,522 |
| Credit loss provision to net charge-offs | 286.1563% | 998 |
| Earnings coverage of net charge-offs (x) | 4.0261% | 3,027 |
| Efficiency ratio | 83.3521% | 1,105 |
| Assets per employee ($millions) | 9.0738% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 3,496 |
| Loan loss allowance to noncurrent loans | 93.1618% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8520% | 2,458 |
| Noncurrent loans to loans | 1.2611% | 1,815 |
| Net loans and leases to total assets | 63.3160% | 3,461 |
| Net loans and leases to deposits | 91.5673% | 1,569 |
| Net loans and leases to core deposits | 102.2303% | 1,453 |
| Total domestic deposits to total assets | 68.4903% | 5,828 |
| Equity capital to assets | 15.9761% | 551 |
| Core capital (leverage) ratio | 11.4361% | 2,038 |
| Tier 1 risk-based capital ratio | 14.8832% | 3,128 |
| Total risk-based capital ratio | 16.2313% | 3,032 |
| Memoranda: | ||
| Average total assets | $89,155,055,000 | 28 |
| Average earning assets | $77,204,937,000 | 29 |
| Average equity | $13,452,758,670 | 24 |
| Average total loans | $54,194,666,000 | 25 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9189% | 5,762 |
| Cost of funding earning assets | 0.7198% | 730 |
| Net interest margin | 2.1990% | 5,964 |
| Noninterest income to average assets | 1.0817% | 924 |
| Noninterest expense to average assets | 2.7323% | 3,304 |
| Loan and lease loss provision to assets | 0.3872% | 369 |
| Net operating income to assets | -0.1378% | 5,861 |
| Return on assets (ROA) | -0.0220% | 5,824 |
| Pretax return on assets | -0.0144% | 5,823 |
| Return on Equity (ROE) | -0.1496% | 5,825 |
| Retained earnings to average equity (ytd only) | -0.1496% | 5,131 |
| Net charge-offs to loans | 0.1235% | 1,366 |
| Credit loss provision to net charge-offs | 529.0164% | 582 |
| Earnings coverage of net charge-offs (x) | 3.5113% | 2,533 |
| Efficiency ratio | 85.6166% | 1,011 |
| Assets per employee ($millions) | 9.6605% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 3,597 |
| Loan loss allowance to noncurrent loans | 90.5590% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.8095% | 2,664 |
| Noncurrent loans to loans | 1.3035% | 1,844 |
| Net loans and leases to total assets | 58.3328% | 4,006 |
| Net loans and leases to deposits | 86.6289% | 1,997 |
| Net loans and leases to core deposits | 97.6220% | 1,662 |
| Total domestic deposits to total assets | 66.8225% | 5,955 |
| Equity capital to assets | 14.5795% | 813 |
| Core capital (leverage) ratio | 11.2705% | 2,171 |
| Tier 1 risk-based capital ratio | 13.9164% | 3,743 |
| Total risk-based capital ratio | 15.3551% | 3,549 |
| Memoranda: | ||
| Average total assets | $91,244,503,000 | 28 |
| Average earning assets | $79,150,033,500 | 29 |
| Average equity | $13,391,210,500 | 24 |
| Average total loans | $54,070,413,500 | 26 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0139% | 5,714 |
| Cost of funding earning assets | 0.7344% | 688 |
| Net interest margin | 2.2796% | 5,956 |
| Noninterest income to average assets | 1.2014% | 830 |
| Noninterest expense to average assets | 2.6711% | 3,686 |
| Loan and lease loss provision to assets | 0.1407% | 1,687 |
| Net operating income to assets | 0.1908% | 5,600 |
| Return on assets (ROA) | 0.2043% | 5,628 |
| Pretax return on assets | 0.3668% | 5,390 |
| Return on Equity (ROE) | 1.3127% | 5,717 |
| Retained earnings to average equity (ytd only) | 1.3127% | 4,970 |
| Net charge-offs to loans | 0.3034% | 993 |
| Credit loss provision to net charge-offs | 75.7566% | 3,025 |
| Earnings coverage of net charge-offs (x) | 2.6195% | 3,864 |
| Efficiency ratio | 79.1641% | 1,794 |
| Assets per employee ($millions) | 9.3619% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0651% | 4,237 |
| Loan loss allowance to noncurrent loans | 111.3369% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6123% | 3,229 |
| Noncurrent loans to loans | 0.9567% | 2,417 |
| Net loans and leases to total assets | 58.8597% | 3,989 |
| Net loans and leases to deposits | 89.4796% | 1,687 |
| Net loans and leases to core deposits | 99.7475% | 1,522 |
| Total domestic deposits to total assets | 65.2302% | 6,025 |
| Equity capital to assets | 14.7751% | 710 |
| Core capital (leverage) ratio | 11.4586% | 1,991 |
| Tier 1 risk-based capital ratio | 13.8072% | 3,822 |
| Total risk-based capital ratio | 15.0932% | 3,735 |
| Memoranda: | ||
| Average total assets | $85,570,289,000 | 28 |
| Average earning assets | $73,427,856,800 | 29 |
| Average equity | $13,315,871,400 | 22 |
| Average total loans | $52,372,682,000 | 24 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0389% | 5,775 |
| Cost of funding earning assets | 0.7372% | 695 |
| Net interest margin | 2.3018% | 6,033 |
| Noninterest income to average assets | 1.2004% | 842 |
| Noninterest expense to average assets | 2.6101% | 3,838 |
| Loan and lease loss provision to assets | 0.0954% | 2,264 |
| Net operating income to assets | 0.2473% | 5,583 |
| Return on assets (ROA) | 0.2659% | 5,622 |
| Pretax return on assets | 0.4943% | 5,231 |
| Return on Equity (ROE) | 1.6860% | 5,734 |
| Retained earnings to average equity (ytd only) | 1.6860% | 5,027 |
| Net charge-offs to loans | 0.2584% | 1,019 |
| Credit loss provision to net charge-offs | 59.8576% | 2,910 |
| Earnings coverage of net charge-offs (x) | 3.5193% | 3,493 |
| Efficiency ratio | 76.9602% | 2,098 |
| Assets per employee ($millions) | 9.5152% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 4,364 |
| Loan loss allowance to noncurrent loans | 114.5965% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6012% | 3,468 |
| Noncurrent loans to loans | 0.9370% | 2,632 |
| Net loans and leases to total assets | 58.6763% | 4,059 |
| Net loans and leases to deposits | 89.0231% | 1,766 |
| Net loans and leases to core deposits | 98.2063% | 1,683 |
| Total domestic deposits to total assets | 65.3867% | 6,107 |
| Equity capital to assets | 15.0011% | 737 |
| Core capital (leverage) ratio | 11.6942% | 1,892 |
| Tier 1 risk-based capital ratio | 13.8626% | 3,928 |
| Total risk-based capital ratio | 15.1412% | 3,851 |
| Memoranda: | ||
| Average total assets | $84,414,800,000 | 28 |
| Average earning assets | $72,263,523,250 | 30 |
| Average equity | $13,313,344,750 | 22 |
| Average total loans | $52,051,251,250 | 24 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0910% | 5,752 |
| Cost of funding earning assets | 0.7475% | 657 |
| Net interest margin | 2.3435% | 6,074 |
| Noninterest income to average assets | 1.2189% | 818 |
| Noninterest expense to average assets | 2.6416% | 3,772 |
| Loan and lease loss provision to assets | 0.1910% | 1,044 |
| Net operating income to assets | 0.3387% | 5,333 |
| Return on assets (ROA) | 0.3799% | 5,321 |
| Pretax return on assets | 0.4322% | 5,392 |
| Return on Equity (ROE) | 2.3670% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.3670% | 4,552 |
| Net charge-offs to loans | 0.2854% | 922 |
| Credit loss provision to net charge-offs | 107.0577% | 1,961 |
| Earnings coverage of net charge-offs (x) | 3.2314% | 3,217 |
| Efficiency ratio | 76.7297% | 2,241 |
| Assets per employee ($millions) | 9.0873% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 3,953 |
| Loan loss allowance to noncurrent loans | 119.4469% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 3,453 |
| Noncurrent loans to loans | 0.9820% | 2,677 |
| Net loans and leases to total assets | 61.2177% | 3,664 |
| Net loans and leases to deposits | 89.9154% | 1,608 |
| Net loans and leases to core deposits | 98.1628% | 1,641 |
| Total domestic deposits to total assets | 67.4449% | 6,133 |
| Equity capital to assets | 15.7420% | 561 |
| Core capital (leverage) ratio | 12.3554% | 1,458 |
| Tier 1 risk-based capital ratio | 13.8104% | 4,029 |
| Total risk-based capital ratio | 15.1521% | 3,916 |
| Memoranda: | ||
| Average total assets | $82,741,887,000 | 28 |
| Average earning assets | $70,580,879,670 | 30 |
| Average equity | $13,279,129,000 | 22 |
| Average total loans | $51,719,705,330 | 24 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1453% | 5,728 |
| Cost of funding earning assets | 0.7490% | 661 |
| Net interest margin | 2.3963% | 6,099 |
| Noninterest income to average assets | 1.0522% | 1,016 |
| Noninterest expense to average assets | 2.5519% | 4,094 |
| Loan and lease loss provision to assets | 0.2544% | 640 |
| Net operating income to assets | 0.2464% | 5,574 |
| Return on assets (ROA) | 0.2874% | 5,551 |
| Pretax return on assets | 0.3320% | 5,570 |
| Return on Equity (ROE) | 1.7730% | 5,735 |
| Retained earnings to average equity (ytd only) | 1.7730% | 4,760 |
| Net charge-offs to loans | 0.2598% | 924 |
| Credit loss provision to net charge-offs | 155.9314% | 1,223 |
| Earnings coverage of net charge-offs (x) | 3.3055% | 2,624 |
| Efficiency ratio | 77.1903% | 2,316 |
| Assets per employee ($millions) | 9.0203% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2058% | 3,951 |
| Loan loss allowance to noncurrent loans | 106.4880% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.7734% | 3,177 |
| Noncurrent loans to loans | 1.1324% | 2,509 |
| Net loans and leases to total assets | 62.0032% | 3,367 |
| Net loans and leases to deposits | 91.0943% | 1,285 |
| Net loans and leases to core deposits | 100.3313% | 1,297 |
| Total domestic deposits to total assets | 67.3161% | 6,217 |
| Equity capital to assets | 16.0277% | 540 |
| Core capital (leverage) ratio | 12.7278% | 1,264 |
| Tier 1 risk-based capital ratio | 13.7780% | 4,162 |
| Total risk-based capital ratio | 15.2759% | 3,915 |
| Memoranda: | ||
| Average total assets | $81,775,022,000 | 29 |
| Average earning assets | $69,577,945,000 | 30 |
| Average equity | $13,253,864,000 | 22 |
| Average total loans | $51,353,692,500 | 24 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3339% | 5,651 |
| Cost of funding earning assets | 0.8321% | 558 |
| Net interest margin | 2.5017% | 6,156 |
| Noninterest income to average assets | 1.2530% | 772 |
| Noninterest expense to average assets | 2.7341% | 3,736 |
| Loan and lease loss provision to assets | 0.1041% | 2,417 |
| Net operating income to assets | 0.4642% | 4,951 |
| Return on assets (ROA) | 0.4890% | 4,941 |
| Pretax return on assets | 0.5925% | 4,968 |
| Return on Equity (ROE) | 2.8900% | 5,515 |
| Retained earnings to average equity (ytd only) | 2.8900% | 4,182 |
| Net charge-offs to loans | 0.5984% | 663 |
| Credit loss provision to net charge-offs | 26.2911% | 3,900 |
| Earnings coverage of net charge-offs (x) | 1.6835% | 4,355 |
| Efficiency ratio | 71.6627% | 3,262 |
| Assets per employee ($millions) | 8.7518% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 3,958 |
| Loan loss allowance to noncurrent loans | 98.6260% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.8495% | 3,082 |
| Noncurrent loans to loans | 1.2232% | 2,402 |
| Net loans and leases to total assets | 62.0807% | 3,486 |
| Net loans and leases to deposits | 91.4189% | 1,355 |
| Net loans and leases to core deposits | 98.5885% | 1,504 |
| Total domestic deposits to total assets | 67.1213% | 6,294 |
| Equity capital to assets | 16.3935% | 489 |
| Core capital (leverage) ratio | 12.0098% | 1,607 |
| Tier 1 risk-based capital ratio | 13.2276% | 4,569 |
| Total risk-based capital ratio | 14.7876% | 4,326 |
| Memoranda: | ||
| Average total assets | $76,828,604,200 | 29 |
| Average earning assets | $65,962,075,000 | 30 |
| Average equity | $12,999,419,400 | 22 |
| Average total loans | $50,852,058,800 | 24 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 5,650 |
| Cost of funding earning assets | 0.8435% | 554 |
| Net interest margin | 2.5191% | 6,212 |
| Noninterest income to average assets | 1.0954% | 1,013 |
| Noninterest expense to average assets | 2.6155% | 4,148 |
| Loan and lease loss provision to assets | 0.0439% | 3,519 |
| Net operating income to assets | 0.4656% | 5,013 |
| Return on assets (ROA) | 0.4811% | 5,021 |
| Pretax return on assets | 0.6277% | 4,936 |
| Return on Equity (ROE) | 2.8201% | 5,608 |
| Retained earnings to average equity (ytd only) | 2.8201% | 4,597 |
| Net charge-offs to loans | 0.7194% | 481 |
| Credit loss provision to net charge-offs | 9.0990% | 3,715 |
| Earnings coverage of net charge-offs (x) | 1.3499% | 4,179 |
| Efficiency ratio | 69.6591% | 3,570 |
| Assets per employee ($millions) | 8.5162% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 4,440 |
| Loan loss allowance to noncurrent loans | 84.0308% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.0095% | 2,937 |
| Noncurrent loans to loans | 1.3815% | 2,339 |
| Net loans and leases to total assets | 64.3577% | 3,131 |
| Net loans and leases to deposits | 92.9277% | 1,138 |
| Net loans and leases to core deposits | 98.9360% | 1,453 |
| Total domestic deposits to total assets | 68.5248% | 6,326 |
| Equity capital to assets | 16.8977% | 438 |
| Core capital (leverage) ratio | 12.1281% | 1,616 |
| Tier 1 risk-based capital ratio | 13.3666% | 4,628 |
| Total risk-based capital ratio | 14.9449% | 4,358 |
| Memoranda: | ||
| Average total assets | $75,917,532,250 | 30 |
| Average earning assets | $65,441,630,250 | 30 |
| Average equity | $12,951,191,000 | 23 |
| Average total loans | $50,923,028,250 | 25 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3471% | 5,717 |
| Cost of funding earning assets | 0.8420% | 579 |
| Net interest margin | 2.5051% | 6,268 |
| Noninterest income to average assets | 0.9070% | 1,479 |
| Noninterest expense to average assets | 2.5485% | 4,420 |
| Loan and lease loss provision to assets | 0.0133% | 3,992 |
| Net operating income to assets | 0.3958% | 5,239 |
| Return on assets (ROA) | 0.4193% | 5,223 |
| Pretax return on assets | 0.5399% | 5,159 |
| Return on Equity (ROE) | 2.4498% | 5,712 |
| Retained earnings to average equity (ytd only) | 2.4498% | 4,652 |
| Net charge-offs to loans | 0.3848% | 1,045 |
| Credit loss provision to net charge-offs | 5.0848% | 3,362 |
| Earnings coverage of net charge-offs (x) | 2.0067% | 3,669 |
| Efficiency ratio | 69.0834% | 3,820 |
| Assets per employee ($millions) | 8.6401% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4270% | 3,208 |
| Loan loss allowance to noncurrent loans | 82.5380% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.2728% | 2,570 |
| Noncurrent loans to loans | 1.7289% | 1,996 |
| Net loans and leases to total assets | 66.2609% | 2,719 |
| Net loans and leases to deposits | 98.9952% | 603 |
| Net loans and leases to core deposits | 103.9455% | 1,022 |
| Total domestic deposits to total assets | 66.1320% | 6,479 |
| Equity capital to assets | 16.8778% | 431 |
| Core capital (leverage) ratio | 12.4594% | 1,416 |
| Tier 1 risk-based capital ratio | 13.5631% | 4,544 |
| Total risk-based capital ratio | 15.2928% | 4,168 |
| Memoranda: | ||
| Average total assets | $75,444,920,670 | 30 |
| Average earning assets | $65,190,317,000 | 30 |
| Average equity | $12,912,294,330 | 23 |
| Average total loans | $51,112,077,000 | 25 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3550% | 5,741 |
| Cost of funding earning assets | 0.8686% | 530 |
| Net interest margin | 2.4864% | 6,345 |
| Noninterest income to average assets | 0.7715% | 1,869 |
| Noninterest expense to average assets | 2.1564% | 5,564 |
| Loan and lease loss provision to assets | 0.2146% | 1,068 |
| Net operating income to assets | 0.4151% | 5,066 |
| Return on assets (ROA) | 0.4229% | 5,097 |
| Pretax return on assets | 0.5637% | 4,969 |
| Return on Equity (ROE) | 2.4532% | 5,646 |
| Retained earnings to average equity (ytd only) | 2.4532% | 4,598 |
| Net charge-offs to loans | 0.3866% | 944 |
| Credit loss provision to net charge-offs | 81.6210% | 1,885 |
| Earnings coverage of net charge-offs (x) | 2.9202% | 2,768 |
| Efficiency ratio | 66.9282% | 4,374 |
| Assets per employee ($millions) | 8.5449% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6070% | 2,668 |
| Loan loss allowance to noncurrent loans | 84.6372% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.4265% | 2,487 |
| Noncurrent loans to loans | 1.8987% | 1,999 |
| Net loans and leases to total assets | 67.5384% | 2,293 |
| Net loans and leases to deposits | 97.0436% | 595 |
| Net loans and leases to core deposits | 102.2600% | 969 |
| Total domestic deposits to total assets | 68.7979% | 6,491 |
| Equity capital to assets | 17.2539% | 370 |
| Core capital (leverage) ratio | 12.2570% | 1,503 |
| Tier 1 risk-based capital ratio | 13.8195% | 4,451 |
| Total risk-based capital ratio | 15.7267% | 3,974 |
| Memoranda: | ||
| Average total assets | $74,541,829,000 | 30 |
| Average earning assets | $64,541,951,000 | 30 |
| Average equity | $12,849,288,000 | 23 |
| Average total loans | $50,703,963,500 | 25 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4205% | 5,800 |
| Cost of funding earning assets | 0.9252% | 651 |
| Net interest margin | 2.4953% | 6,376 |
| Noninterest income to average assets | 0.8169% | 1,996 |
| Noninterest expense to average assets | 2.2541% | 5,495 |
| Loan and lease loss provision to assets | 0.0475% | 4,174 |
| Net operating income to assets | 0.5417% | 4,551 |
| Return on assets (ROA) | 0.5513% | 4,627 |
| Pretax return on assets | 0.6936% | 4,568 |
| Return on Equity (ROE) | 3.3322% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.3322% | 3,865 |
| Net charge-offs to loans | 0.4219% | 1,584 |
| Credit loss provision to net charge-offs | 17.0616% | 4,497 |
| Earnings coverage of net charge-offs (x) | 2.6178% | 4,125 |
| Efficiency ratio | 69.7652% | 3,875 |
| Assets per employee ($millions) | 8.5519% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 2,511 |
| Loan loss allowance to noncurrent loans | 83.3543% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.4671% | 2,539 |
| Noncurrent loans to loans | 1.9999% | 1,991 |
| Net loans and leases to total assets | 66.2720% | 2,655 |
| Net loans and leases to deposits | 99.1706% | 522 |
| Net loans and leases to core deposits | 104.3140% | 886 |
| Total domestic deposits to total assets | 66.1313% | 6,629 |
| Equity capital to assets | 17.2214% | 378 |
| Core capital (leverage) ratio | 12.0907% | 1,538 |
| Tier 1 risk-based capital ratio | 13.9629% | 4,317 |
| Total risk-based capital ratio | 15.8935% | 3,819 |
| Memoranda: | ||
| Average total assets | $77,571,238,000 | 29 |
| Average earning assets | $67,337,129,000 | 30 |
| Average equity | $12,834,059,200 | 22 |
| Average total loans | $51,193,313,600 | 23 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4282% | 5,822 |
| Cost of funding earning assets | 0.9298% | 707 |
| Net interest margin | 2.4984% | 6,428 |
| Noninterest income to average assets | 0.8322% | 2,000 |
| Noninterest expense to average assets | 2.1802% | 5,648 |
| Loan and lease loss provision to assets | 0.0457% | 4,097 |
| Net operating income to assets | 0.5945% | 4,378 |
| Return on assets (ROA) | 0.6064% | 4,448 |
| Pretax return on assets | 0.7921% | 4,322 |
| Return on Equity (ROE) | 3.7013% | 5,355 |
| Retained earnings to average equity (ytd only) | 3.7013% | 4,062 |
| Net charge-offs to loans | 0.4257% | 1,503 |
| Credit loss provision to net charge-offs | 16.3373% | 4,127 |
| Earnings coverage of net charge-offs (x) | 2.9416% | 3,857 |
| Efficiency ratio | 67.1361% | 4,273 |
| Assets per employee ($millions) | 8.7316% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7552% | 2,441 |
| Loan loss allowance to noncurrent loans | 85.5076% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.4987% | 2,688 |
| Noncurrent loans to loans | 2.0527% | 2,191 |
| Net loans and leases to total assets | 66.0614% | 2,627 |
| Net loans and leases to deposits | 97.8075% | 582 |
| Net loans and leases to core deposits | 103.3312% | 915 |
| Total domestic deposits to total assets | 66.8573% | 6,688 |
| Equity capital to assets | 17.2443% | 389 |
| Core capital (leverage) ratio | 11.7984% | 1,818 |
| Tier 1 risk-based capital ratio | 13.7459% | 4,605 |
| Total risk-based capital ratio | 15.6699% | 4,089 |
| Memoranda: | ||
| Average total assets | $78,397,952,000 | 29 |
| Average earning assets | $68,098,799,250 | 30 |
| Average equity | $12,845,240,750 | 22 |
| Average total loans | $51,478,937,000 | 23 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4183% | 5,863 |
| Cost of funding earning assets | 0.9285% | 780 |
| Net interest margin | 2.4897% | 6,462 |
| Noninterest income to average assets | 0.8582% | 1,972 |
| Noninterest expense to average assets | 2.0489% | 5,960 |
| Loan and lease loss provision to assets | 0.0673% | 3,695 |
| Net operating income to assets | 0.6470% | 4,073 |
| Return on assets (ROA) | 0.7050% | 3,954 |
| Pretax return on assets | 0.9895% | 3,557 |
| Return on Equity (ROE) | 4.3740% | 5,061 |
| Retained earnings to average equity (ytd only) | 4.3740% | 3,491 |
| Net charge-offs to loans | 0.4440% | 1,474 |
| Credit loss provision to net charge-offs | 23.2554% | 3,688 |
| Earnings coverage of net charge-offs (x) | 3.3695% | 3,410 |
| Efficiency ratio | 62.5283% | 5,093 |
| Assets per employee ($millions) | 9.1174% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 2,307 |
| Loan loss allowance to noncurrent loans | 88.2376% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.4647% | 2,907 |
| Noncurrent loans to loans | 2.0816% | 2,301 |
| Net loans and leases to total assets | 64.6698% | 2,813 |
| Net loans and leases to deposits | 98.6903% | 503 |
| Net loans and leases to core deposits | 106.2982% | 727 |
| Total domestic deposits to total assets | 64.8175% | 6,782 |
| Equity capital to assets | 16.7404% | 441 |
| Core capital (leverage) ratio | 11.3826% | 2,032 |
| Tier 1 risk-based capital ratio | 13.8485% | 4,527 |
| Total risk-based capital ratio | 15.7789% | 4,052 |
| Memoranda: | ||
| Average total assets | $79,790,944,000 | 28 |
| Average earning assets | $69,412,336,670 | 30 |
| Average equity | $12,860,816,330 | 22 |
| Average total loans | $52,003,224,330 | 23 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3941% | 5,957 |
| Cost of funding earning assets | 0.9293% | 850 |
| Net interest margin | 2.4648% | 6,544 |
| Noninterest income to average assets | 0.7967% | 2,138 |
| Noninterest expense to average assets | 2.0180% | 6,069 |
| Loan and lease loss provision to assets | 0.0827% | 3,274 |
| Net operating income to assets | 0.6020% | 4,205 |
| Return on assets (ROA) | 0.8619% | 2,988 |
| Pretax return on assets | 1.2041% | 2,554 |
| Return on Equity (ROE) | 5.4463% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.4463% | 2,980 |
| Net charge-offs to loans | 0.4484% | 1,333 |
| Credit loss provision to net charge-offs | 28.4499% | 2,908 |
| Earnings coverage of net charge-offs (x) | 3.1841% | 2,825 |
| Efficiency ratio | 63.3984% | 5,095 |
| Assets per employee ($millions) | 9.5060% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8524% | 2,437 |
| Loan loss allowance to noncurrent loans | 87.4638% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.4764% | 3,047 |
| Noncurrent loans to loans | 2.1179% | 2,475 |
| Net loans and leases to total assets | 64.4294% | 2,625 |
| Net loans and leases to deposits | 101.0866% | 310 |
| Net loans and leases to core deposits | 110.5575% | 481 |
| Total domestic deposits to total assets | 63.1368% | 6,885 |
| Equity capital to assets | 16.2011% | 524 |
| Core capital (leverage) ratio | 10.7333% | 2,512 |
| Tier 1 risk-based capital ratio | 13.3771% | 4,954 |
| Total risk-based capital ratio | 15.4495% | 4,328 |
| Memoranda: | ||
| Average total assets | $81,470,802,500 | 27 |
| Average earning assets | $70,971,908,500 | 29 |
| Average equity | $12,893,766,000 | 22 |
| Average total loans | $52,828,438,000 | 23 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 6,143 |
| Cost of funding earning assets | 1.0153% | 1,273 |
| Net interest margin | 2.6257% | 6,610 |
| Noninterest income to average assets | 0.7504% | 2,494 |
| Noninterest expense to average assets | 2.0388% | 6,259 |
| Loan and lease loss provision to assets | 0.4858% | 1,257 |
| Net operating income to assets | 0.4344% | 4,950 |
| Return on assets (ROA) | 0.5417% | 4,766 |
| Pretax return on assets | 0.6315% | 4,884 |
| Return on Equity (ROE) | 3.4451% | 5,371 |
| Retained earnings to average equity (ytd only) | 1.9981% | 4,818 |
| Net charge-offs to loans | 0.9750% | 1,128 |
| Credit loss provision to net charge-offs | 76.5665% | 3,947 |
| Earnings coverage of net charge-offs (x) | 1.5644% | 4,659 |
| Efficiency ratio | 63.3256% | 5,011 |
| Assets per employee ($millions) | 9.8731% | 252 |
| Cash dividends to net income (ytd only)* | 42.0027% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 2,283 |
| Loan loss allowance to noncurrent loans | 86.1993% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 1.4945% | 3,143 |
| Noncurrent loans to loans | 2.2087% | 2,448 |
| Net loans and leases to total assets | 62.8526% | 3,088 |
| Net loans and leases to deposits | 102.5227% | 311 |
| Net loans and leases to core deposits | 113.2483% | 432 |
| Total domestic deposits to total assets | 60.6764% | 6,969 |
| Equity capital to assets | 15.4659% | 639 |
| Core capital (leverage) ratio | 10.5237% | 2,735 |
| Tier 1 risk-based capital ratio | 12.8618% | 5,207 |
| Total risk-based capital ratio | 14.9187% | 4,575 |
| Memoranda: | ||
| Average total assets | $80,861,821,600 | 25 |
| Average earning assets | $70,242,914,600 | 26 |
| Average equity | $12,715,694,000 | 22 |
| Average total loans | $52,617,253,400 | 23 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6950% | 6,227 |
| Cost of funding earning assets | 1.0217% | 1,442 |
| Net interest margin | 2.6734% | 6,678 |
| Noninterest income to average assets | 0.7392% | 2,530 |
| Noninterest expense to average assets | 1.9852% | 6,374 |
| Loan and lease loss provision to assets | 0.4679% | 1,323 |
| Net operating income to assets | 0.5063% | 4,821 |
| Return on assets (ROA) | 0.6116% | 4,595 |
| Pretax return on assets | 0.7354% | 4,722 |
| Return on Equity (ROE) | 3.8726% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.7688% | 4,892 |
| Net charge-offs to loans | 1.0430% | 1,008 |
| Credit loss provision to net charge-offs | 68.6630% | 3,942 |
| Earnings coverage of net charge-offs (x) | 1.5799% | 4,491 |
| Efficiency ratio | 61.1453% | 5,290 |
| Assets per employee ($millions) | 9.8941% | 249 |
| Cash dividends to net income (ytd only)* | 28.5044% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8506% | 2,643 |
| Loan loss allowance to noncurrent loans | 82.3161% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.5437% | 3,267 |
| Noncurrent loans to loans | 2.2481% | 2,558 |
| Net loans and leases to total assets | 63.0433% | 3,198 |
| Net loans and leases to deposits | 101.9598% | 351 |
| Net loans and leases to core deposits | 112.5853% | 477 |
| Total domestic deposits to total assets | 61.1704% | 7,049 |
| Equity capital to assets | 15.6058% | 687 |
| Core capital (leverage) ratio | 10.5203% | 2,891 |
| Tier 1 risk-based capital ratio | 12.8360% | 5,382 |
| Total risk-based capital ratio | 14.8936% | 4,746 |
| Memoranda: | ||
| Average total assets | $80,306,817,500 | 26 |
| Average earning assets | $69,767,644,250 | 26 |
| Average equity | $12,682,275,500 | 22 |
| Average total loans | $52,463,419,000 | 23 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7515% | 6,248 |
| Cost of funding earning assets | 1.0310% | 1,577 |
| Net interest margin | 2.7205% | 6,687 |
| Noninterest income to average assets | 0.7601% | 2,370 |
| Noninterest expense to average assets | 2.0286% | 6,374 |
| Loan and lease loss provision to assets | 0.5297% | 1,186 |
| Net operating income to assets | 0.4597% | 4,999 |
| Return on assets (ROA) | 0.6155% | 4,554 |
| Pretax return on assets | 0.7559% | 4,622 |
| Return on Equity (ROE) | 3.8815% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.0891% | 4,583 |
| Net charge-offs to loans | 1.0082% | 1,098 |
| Credit loss provision to net charge-offs | 79.9648% | 3,321 |
| Earnings coverage of net charge-offs (x) | 1.6505% | 4,166 |
| Efficiency ratio | 61.4814% | 5,336 |
| Assets per employee ($millions) | 9.7283% | 251 |
| Cash dividends to net income (ytd only)* | 20.4140% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9945% | 2,247 |
| Loan loss allowance to noncurrent loans | 93.6233% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 1.5112% | 3,435 |
| Noncurrent loans to loans | 2.1303% | 2,790 |
| Net loans and leases to total assets | 64.5137% | 2,932 |
| Net loans and leases to deposits | 106.2703% | 222 |
| Net loans and leases to core deposits | 116.7606% | 375 |
| Total domestic deposits to total assets | 60.1220% | 7,131 |
| Equity capital to assets | 15.8228% | 614 |
| Core capital (leverage) ratio | 10.5609% | 2,746 |
| Tier 1 risk-based capital ratio | 12.9380% | 5,223 |
| Total risk-based capital ratio | 15.0069% | 4,598 |
| Memoranda: | ||
| Average total assets | $79,590,083,000 | 26 |
| Average earning assets | $69,094,735,000 | 26 |
| Average equity | $12,620,331,000 | 22 |
| Average total loans | $52,296,646,330 | 23 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7786% | 6,297 |
| Cost of funding earning assets | 1.0317% | 1,796 |
| Net interest margin | 2.7469% | 6,719 |
| Noninterest income to average assets | 0.8127% | 2,104 |
| Noninterest expense to average assets | 2.0075% | 6,446 |
| Loan and lease loss provision to assets | 0.5208% | 1,156 |
| Net operating income to assets | 0.5350% | 4,672 |
| Return on assets (ROA) | 0.5978% | 4,567 |
| Pretax return on assets | 0.7491% | 4,612 |
| Return on Equity (ROE) | 3.7660% | 5,400 |
| Retained earnings to average equity (ytd only) | 3.7660% | 4,329 |
| Net charge-offs to loans | 0.9957% | 1,042 |
| Credit loss provision to net charge-offs | 79.6730% | 2,733 |
| Earnings coverage of net charge-offs (x) | 1.8226% | 3,428 |
| Efficiency ratio | 59.4226% | 5,705 |
| Assets per employee ($millions) | 9.9613% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0696% | 2,170 |
| Loan loss allowance to noncurrent loans | 86.3291% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.6950% | 3,316 |
| Noncurrent loans to loans | 2.3974% | 2,707 |
| Net loans and leases to total assets | 63.8164% | 2,883 |
| Net loans and leases to deposits | 100.9778% | 340 |
| Net loans and leases to core deposits | 111.1164% | 495 |
| Total domestic deposits to total assets | 62.2118% | 7,168 |
| Equity capital to assets | 15.7626% | 610 |
| Core capital (leverage) ratio | 10.5820% | 2,662 |
| Tier 1 risk-based capital ratio | 13.0028% | 5,218 |
| Total risk-based capital ratio | 15.0864% | 4,557 |
| Memoranda: | ||
| Average total assets | $79,187,639,000 | 26 |
| Average earning assets | $68,787,866,000 | 25 |
| Average equity | $12,570,146,500 | 22 |
| Average total loans | $51,984,334,000 | 23 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 6,353 |
| Cost of funding earning assets | 1.2283% | 1,847 |
| Net interest margin | 2.8266% | 6,789 |
| Noninterest income to average assets | 0.7572% | 2,299 |
| Noninterest expense to average assets | 2.0076% | 6,660 |
| Loan and lease loss provision to assets | 0.7125% | 1,437 |
| Net operating income to assets | 0.3701% | 4,994 |
| Return on assets (ROA) | 0.4183% | 4,967 |
| Pretax return on assets | 0.5484% | 4,844 |
| Return on Equity (ROE) | 2.5633% | 5,455 |
| Retained earnings to average equity (ytd only) | 1.3501% | 5,217 |
| Net charge-offs to loans | 0.8042% | 2,148 |
| Credit loss provision to net charge-offs | 132.9541% | 2,287 |
| Earnings coverage of net charge-offs (x) | 2.2205% | 4,118 |
| Efficiency ratio | 59.5170% | 5,830 |
| Assets per employee ($millions) | 9.6573% | 263 |
| Cash dividends to net income (ytd only)* | 47.3285% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0962% | 2,016 |
| Loan loss allowance to noncurrent loans | 79.4131% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.8909% | 3,122 |
| Noncurrent loans to loans | 2.6396% | 2,463 |
| Net loans and leases to total assets | 64.7554% | 3,031 |
| Net loans and leases to deposits | 105.3315% | 268 |
| Net loans and leases to core deposits | 110.1455% | 618 |
| Total domestic deposits to total assets | 61.4777% | 7,211 |
| Equity capital to assets | 15.9882% | 578 |
| Core capital (leverage) ratio | 11.1497% | 2,157 |
| Tier 1 risk-based capital ratio | 14.2361% | 4,156 |
| Total risk-based capital ratio | 16.4540% | 3,475 |
| Memoranda: | ||
| Average total assets | $75,759,794,600 | 25 |
| Average earning assets | $65,407,680,400 | 25 |
| Average equity | $12,364,523,400 | 20 |
| Average total loans | $50,484,418,400 | 22 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 6,368 |
| Cost of funding earning assets | 1.2598% | 1,936 |
| Net interest margin | 2.8589% | 6,814 |
| Noninterest income to average assets | 0.7707% | 2,192 |
| Noninterest expense to average assets | 1.9984% | 6,693 |
| Loan and lease loss provision to assets | 0.7825% | 1,199 |
| Net operating income to assets | 0.3441% | 5,231 |
| Return on assets (ROA) | 0.4833% | 4,806 |
| Pretax return on assets | 0.6450% | 4,670 |
| Return on Equity (ROE) | 2.9456% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.9456% | 4,584 |
| Net charge-offs to loans | 1.3637% | 1,109 |
| Credit loss provision to net charge-offs | 85.9390% | 3,926 |
| Earnings coverage of net charge-offs (x) | 1.3570% | 4,602 |
| Efficiency ratio | 58.4668% | 5,944 |
| Assets per employee ($millions) | 9.5118% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 3,613 |
| Loan loss allowance to noncurrent loans | 70.3070% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.7521% | 3,468 |
| Noncurrent loans to loans | 2.2902% | 3,008 |
| Net loans and leases to total assets | 65.4663% | 3,014 |
| Net loans and leases to deposits | 104.9667% | 284 |
| Net loans and leases to core deposits | 109.6054% | 693 |
| Total domestic deposits to total assets | 62.3687% | 7,270 |
| Equity capital to assets | 16.4937% | 544 |
| Core capital (leverage) ratio | 11.5774% | 1,972 |
| Tier 1 risk-based capital ratio | 14.4116% | 4,041 |
| Total risk-based capital ratio | 16.7091% | 3,382 |
| Memoranda: | ||
| Average total assets | $75,163,022,750 | 24 |
| Average earning assets | $64,760,784,000 | 26 |
| Average equity | $12,332,092,250 | 20 |
| Average total loans | $50,183,577,500 | 22 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 6,326 |
| Cost of funding earning assets | 1.2801% | 2,062 |
| Net interest margin | 2.9006% | 6,789 |
| Noninterest income to average assets | 0.7991% | 2,022 |
| Noninterest expense to average assets | 1.9291% | 6,907 |
| Loan and lease loss provision to assets | 0.8308% | 1,095 |
| Net operating income to assets | 0.4006% | 4,939 |
| Return on assets (ROA) | 0.5369% | 4,486 |
| Pretax return on assets | 0.7261% | 4,294 |
| Return on Equity (ROE) | 3.2780% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.2780% | 4,177 |
| Net charge-offs to loans | 1.3315% | 1,147 |
| Credit loss provision to net charge-offs | 93.3479% | 3,365 |
| Earnings coverage of net charge-offs (x) | 1.5347% | 4,141 |
| Efficiency ratio | 55.4531% | 6,469 |
| Assets per employee ($millions) | 9.7501% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7420% | 3,181 |
| Loan loss allowance to noncurrent loans | 62.3842% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 2.1038% | 3,100 |
| Noncurrent loans to loans | 2.7924% | 2,604 |
| Net loans and leases to total assets | 64.9765% | 3,262 |
| Net loans and leases to deposits | 104.4633% | 304 |
| Net loans and leases to core deposits | 110.3211% | 712 |
| Total domestic deposits to total assets | 62.2003% | 7,347 |
| Equity capital to assets | 16.1815% | 591 |
| Core capital (leverage) ratio | 11.1810% | 2,127 |
| Tier 1 risk-based capital ratio | 14.0696% | 4,120 |
| Total risk-based capital ratio | 16.3746% | 3,401 |
| Memoranda: | ||
| Average total assets | $74,846,316,000 | 25 |
| Average earning assets | $64,405,072,000 | 27 |
| Average equity | $12,258,160,000 | 21 |
| Average total loans | $50,030,123,000 | 23 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 6,047 |
| Cost of funding earning assets | 1.2892% | 2,248 |
| Net interest margin | 2.9977% | 6,577 |
| Noninterest income to average assets | 0.8015% | 2,030 |
| Noninterest expense to average assets | 1.9232% | 6,949 |
| Loan and lease loss provision to assets | 1.0059% | 761 |
| Net operating income to assets | 0.3279% | 5,279 |
| Return on assets (ROA) | 0.5472% | 4,365 |
| Pretax return on assets | 0.7541% | 4,087 |
| Return on Equity (ROE) | 3.3208% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.3208% | 4,190 |
| Net charge-offs to loans | 1.1840% | 1,175 |
| Credit loss provision to net charge-offs | 126.3928% | 2,178 |
| Earnings coverage of net charge-offs (x) | 1.8267% | 3,393 |
| Efficiency ratio | 54.5731% | 6,639 |
| Assets per employee ($millions) | 9.7597% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 2,885 |
| Loan loss allowance to noncurrent loans | 60.8475% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.2272% | 3,035 |
| Noncurrent loans to loans | 3.0251% | 2,489 |
| Net loans and leases to total assets | 65.6742% | 3,098 |
| Net loans and leases to deposits | 105.0344% | 279 |
| Net loans and leases to core deposits | 113.3164% | 620 |
| Total domestic deposits to total assets | 62.5263% | 7,395 |
| Equity capital to assets | 16.1728% | 546 |
| Core capital (leverage) ratio | 10.9834% | 2,204 |
| Tier 1 risk-based capital ratio | 13.6436% | 4,332 |
| Total risk-based capital ratio | 15.9500% | 3,570 |
| Memoranda: | ||
| Average total assets | $73,975,990,500 | 25 |
| Average earning assets | $63,557,159,500 | 27 |
| Average equity | $12,190,789,000 | 21 |
| Average total loans | $49,722,281,000 | 23 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 6,702 |
| Cost of funding earning assets | 1.4504% | 2,951 |
| Net interest margin | 2.8986% | 6,895 |
| Noninterest income to average assets | 0.8082% | 2,243 |
| Noninterest expense to average assets | 1.4318% | 7,470 |
| Loan and lease loss provision to assets | 1.0140% | 1,605 |
| Net operating income to assets | 0.7671% | 2,928 |
| Return on assets (ROA) | 0.9889% | 2,183 |
| Pretax return on assets | 1.0891% | 2,610 |
| Return on Equity (ROE) | 6.8325% | 3,193 |
| Retained earnings to average equity (ytd only) | 6.8325% | 1,396 |
| Net charge-offs to loans | 1.4780% | 1,488 |
| Credit loss provision to net charge-offs | 102.2631% | 4,427 |
| Earnings coverage of net charge-offs (x) | 1.8723% | 4,321 |
| Efficiency ratio | 40.7134% | 7,499 |
| Assets per employee ($millions) | 9.2814% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 2,454 |
| Loan loss allowance to noncurrent loans | 54.4582% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 2.6130% | 2,663 |
| Noncurrent loans to loans | 3.5545% | 2,122 |
| Net loans and leases to total assets | 66.2298% | 3,421 |
| Net loans and leases to deposits | 112.7093% | 191 |
| Net loans and leases to core deposits | 114.6287% | 693 |
| Total domestic deposits to total assets | 58.7616% | 7,519 |
| Equity capital to assets | 16.8006% | 477 |
| Core capital (leverage) ratio | 11.4293% | 1,877 |
| Tier 1 risk-based capital ratio | 13.4546% | 4,245 |
| Total risk-based capital ratio | 15.9289% | 3,400 |
| Memoranda: | ||
| Average total assets | $72,858,561,600 | 24 |
| Average earning assets | $62,337,904,800 | 24 |
| Average equity | $10,545,378,000 | 22 |
| Average total loans | $48,880,727,800 | 22 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 6,838 |
| Cost of funding earning assets | 1.5014% | 2,975 |
| Net interest margin | 2.8836% | 7,030 |
| Noninterest income to average assets | 0.8114% | 2,178 |
| Noninterest expense to average assets | 1.9564% | 7,122 |
| Loan and lease loss provision to assets | 1.0490% | 1,409 |
| Net operating income to assets | 0.2321% | 5,415 |
| Return on assets (ROA) | 0.5182% | 4,417 |
| Pretax return on assets | 0.6106% | 4,563 |
| Return on Equity (ROE) | 3.7283% | 4,900 |
| Retained earnings to average equity (ytd only) | 3.7283% | 3,838 |
| Net charge-offs to loans | 1.5882% | 1,245 |
| Credit loss provision to net charge-offs | 98.6086% | 4,421 |
| Earnings coverage of net charge-offs (x) | 1.2431% | 4,821 |
| Efficiency ratio | 56.7764% | 6,445 |
| Assets per employee ($millions) | 9.4670% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 2,339 |
| Loan loss allowance to noncurrent loans | 50.5617% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 2.8006% | 2,594 |
| Noncurrent loans to loans | 3.8685% | 1,968 |
| Net loans and leases to total assets | 65.5314% | 3,789 |
| Net loans and leases to deposits | 115.4721% | 165 |
| Net loans and leases to core deposits | 117.2248% | 708 |
| Total domestic deposits to total assets | 56.7509% | 7,634 |
| Equity capital to assets | 16.3167% | 615 |
| Core capital (leverage) ratio | 11.3150% | 2,057 |
| Tier 1 risk-based capital ratio | 14.0434% | 3,803 |
| Total risk-based capital ratio | 17.0158% | 2,833 |
| Memoranda: | ||
| Average total assets | $73,009,346,500 | 24 |
| Average earning assets | $62,469,596,750 | 24 |
| Average equity | $10,146,892,000 | 22 |
| Average total loans | $48,901,097,750 | 21 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4046% | 6,892 |
| Cost of funding earning assets | 1.5667% | 2,859 |
| Net interest margin | 2.8380% | 7,091 |
| Noninterest income to average assets | 0.8384% | 1,927 |
| Noninterest expense to average assets | 2.0019% | 7,108 |
| Loan and lease loss provision to assets | 1.0997% | 1,301 |
| Net operating income to assets | 0.1457% | 5,738 |
| Return on assets (ROA) | 0.2873% | 5,380 |
| Pretax return on assets | 0.3220% | 5,446 |
| Return on Equity (ROE) | 2.1923% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.1923% | 4,750 |
| Net charge-offs to loans | 1.6486% | 1,149 |
| Credit loss provision to net charge-offs | 99.5274% | 4,126 |
| Earnings coverage of net charge-offs (x) | 1.1415% | 4,648 |
| Efficiency ratio | 58.3774% | 6,327 |
| Assets per employee ($millions) | 9.6942% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9872% | 2,219 |
| Loan loss allowance to noncurrent loans | 47.3466% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.9590% | 2,411 |
| Noncurrent loans to loans | 4.1972% | 1,773 |
| Net loans and leases to total assets | 65.7046% | 3,898 |
| Net loans and leases to deposits | 114.5157% | 197 |
| Net loans and leases to core deposits | 116.3467% | 832 |
| Total domestic deposits to total assets | 57.3761% | 7,693 |
| Equity capital to assets | 13.4379% | 1,373 |
| Core capital (leverage) ratio | 8.1646% | 6,013 |
| Tier 1 risk-based capital ratio | 9.8226% | 7,119 |
| Total risk-based capital ratio | 12.8520% | 5,635 |
| Memoranda: | ||
| Average total assets | $73,271,324,000 | 24 |
| Average earning assets | $62,604,985,670 | 24 |
| Average equity | $9,601,022,330 | 23 |
| Average total loans | $49,110,377,330 | 21 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4443% | 6,911 |
| Cost of funding earning assets | 1.6695% | 2,542 |
| Net interest margin | 2.7748% | 7,222 |
| Noninterest income to average assets | 0.8426% | 1,837 |
| Noninterest expense to average assets | 2.0090% | 7,143 |
| Loan and lease loss provision to assets | 1.1247% | 1,086 |
| Net operating income to assets | 0.0767% | 6,090 |
| Return on assets (ROA) | 0.1900% | 5,846 |
| Pretax return on assets | 0.1917% | 5,894 |
| Return on Equity (ROE) | 1.4687% | 5,972 |
| Retained earnings to average equity (ytd only) | 1.4687% | 5,211 |
| Net charge-offs to loans | 1.8147% | 957 |
| Credit loss provision to net charge-offs | 92.4784% | 3,601 |
| Earnings coverage of net charge-offs (x) | 0.9880% | 4,178 |
| Efficiency ratio | 59.4886% | 6,263 |
| Assets per employee ($millions) | 9.6724% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0125% | 2,152 |
| Loan loss allowance to noncurrent loans | 44.2360% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 3.1786% | 2,254 |
| Noncurrent loans to loans | 4.5494% | 1,631 |
| Net loans and leases to total assets | 65.8134% | 3,905 |
| Net loans and leases to deposits | 115.5500% | 187 |
| Net loans and leases to core deposits | 118.1553% | 859 |
| Total domestic deposits to total assets | 56.9567% | 7,786 |
| Equity capital to assets | 13.0287% | 1,518 |
| Core capital (leverage) ratio | 7.7525% | 6,565 |
| Tier 1 risk-based capital ratio | 9.1847% | 7,436 |
| Total risk-based capital ratio | 12.3922% | 5,979 |
| Memoranda: | ||
| Average total assets | $73,616,912,500 | 24 |
| Average earning assets | $62,826,154,000 | 24 |
| Average equity | $9,524,900,500 | 23 |
| Average total loans | $49,337,872,000 | 21 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4737% | 7,404 |
| Cost of funding earning assets | 2.1607% | 2,184 |
| Net interest margin | 2.3130% | 7,583 |
| Noninterest income to average assets | 0.6520% | 3,276 |
| Noninterest expense to average assets | 1.3012% | 7,875 |
| Loan and lease loss provision to assets | 1.6747% | 1,369 |
| Net operating income to assets | 0.2664% | 4,660 |
| Return on assets (ROA) | 0.0645% | 5,352 |
| Pretax return on assets | -0.6287% | 6,122 |
| Return on Equity (ROE) | 0.5734% | 5,365 |
| Retained earnings to average equity (ytd only) | 0.5734% | 4,580 |
| Net charge-offs to loans | 2.0254% | 1,212 |
| Credit loss provision to net charge-offs | 118.8046% | 4,523 |
| Earnings coverage of net charge-offs (x) | 0.9548% | 5,158 |
| Efficiency ratio | 45.4741% | 7,734 |
| Assets per employee ($millions) | 8.9232% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 2,139 |
| Loan loss allowance to noncurrent loans | 44.5138% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 3.0319% | 2,303 |
| Noncurrent loans to loans | 4.3845% | 1,635 |
| Net loans and leases to total assets | 65.5701% | 4,261 |
| Net loans and leases to deposits | 110.5439% | 368 |
| Net loans and leases to core deposits | 116.3473% | 2,279 |
| Total domestic deposits to total assets | 59.3159% | 7,815 |
| Equity capital to assets | 12.8488% | 1,569 |
| Core capital (leverage) ratio | 7.6168% | 6,660 |
| Tier 1 risk-based capital ratio | 9.0434% | 7,453 |
| Total risk-based capital ratio | 12.4650% | 5,653 |
| Memoranda: | ||
| Average total assets | $75,453,119,000 | 24 |
| Average earning assets | $65,083,379,400 | 25 |
| Average equity | $8,482,937,000 | 26 |
| Average total loans | $52,513,444,800 | 20 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 7,513 |
| Cost of funding earning assets | 2.2899% | 2,018 |
| Net interest margin | 2.2017% | 7,705 |
| Noninterest income to average assets | 0.6904% | 3,087 |
| Noninterest expense to average assets | 0.9518% | 8,039 |
| Loan and lease loss provision to assets | 1.6756% | 1,115 |
| Net operating income to assets | 0.6670% | 3,325 |
| Return on assets (ROA) | 0.4609% | 4,259 |
| Pretax return on assets | -0.3397% | 6,137 |
| Return on Equity (ROE) | 4.2476% | 4,271 |
| Retained earnings to average equity (ytd only) | 4.2476% | 2,898 |
| Net charge-offs to loans | 1.8587% | 1,084 |
| Credit loss provision to net charge-offs | 128.3066% | 3,912 |
| Earnings coverage of net charge-offs (x) | 1.2577% | 4,830 |
| Efficiency ratio | 32.8497% | 7,995 |
| Assets per employee ($millions) | 8.5703% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0538% | 1,681 |
| Loan loss allowance to noncurrent loans | 50.9550% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 2.8463% | 2,444 |
| Noncurrent loans to loans | 4.0306% | 1,821 |
| Net loans and leases to total assets | 67.4609% | 4,075 |
| Net loans and leases to deposits | 108.2719% | 544 |
| Net loans and leases to core deposits | 118.1623% | 2,398 |
| Total domestic deposits to total assets | 62.3069% | 7,815 |
| Equity capital to assets | 13.1917% | 1,626 |
| Core capital (leverage) ratio | 8.0722% | 6,233 |
| Tier 1 risk-based capital ratio | 9.2349% | 7,522 |
| Total risk-based capital ratio | 12.6124% | 5,515 |
| Memoranda: | ||
| Average total assets | $75,856,465,000 | 25 |
| Average earning assets | $65,596,512,750 | 25 |
| Average equity | $8,231,786,250 | 27 |
| Average total loans | $53,296,672,000 | 20 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5027% | 7,625 |
| Cost of funding earning assets | 2.3794% | 2,048 |
| Net interest margin | 2.1233% | 7,797 |
| Noninterest income to average assets | 0.7775% | 2,533 |
| Noninterest expense to average assets | 3.6446% | 1,962 |
| Loan and lease loss provision to assets | 1.9338% | 847 |
| Net operating income to assets | -2.0559% | 7,444 |
| Return on assets (ROA) | -2.3506% | 7,518 |
| Pretax return on assets | -3.3734% | 7,657 |
| Return on Equity (ROE) | -23.2553% | 7,599 |
| Retained earnings to average equity (ytd only) | -23.2553% | 7,559 |
| Net charge-offs to loans | 1.9337% | 965 |
| Credit loss provision to net charge-offs | 141.4497% | 3,292 |
| Earnings coverage of net charge-offs (x) | -0.7495% | 6,163 |
| Efficiency ratio | 135.2488% | 481 |
| Assets per employee ($millions) | 8.3132% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9745% | 1,626 |
| Loan loss allowance to noncurrent loans | 60.9852% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 2.3111% | 2,814 |
| Noncurrent loans to loans | 3.2376% | 2,196 |
| Net loans and leases to total assets | 68.5141% | 4,071 |
| Net loans and leases to deposits | 105.1312% | 822 |
| Net loans and leases to core deposits | 116.8635% | 2,637 |
| Total domestic deposits to total assets | 65.1701% | 7,781 |
| Equity capital to assets | 10.8857% | 3,030 |
| Core capital (leverage) ratio | 7.6832% | 6,784 |
| Tier 1 risk-based capital ratio | 8.9576% | 7,719 |
| Total risk-based capital ratio | 12.4016% | 5,639 |
| Memoranda: | ||
| Average total assets | $76,739,529,670 | 24 |
| Average earning assets | $66,585,714,330 | 24 |
| Average equity | $7,756,630,000 | 26 |
| Average total loans | $54,254,958,330 | 19 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5517% | 7,668 |
| Cost of funding earning assets | 2.5000% | 1,918 |
| Net interest margin | 2.0517% | 7,874 |
| Noninterest income to average assets | 0.6704% | 3,067 |
| Noninterest expense to average assets | 4.8593% | 533 |
| Loan and lease loss provision to assets | 2.6048% | 435 |
| Net operating income to assets | -3.4663% | 7,916 |
| Return on assets (ROA) | -3.9396% | 7,965 |
| Pretax return on assets | -5.6895% | 8,031 |
| Return on Equity (ROE) | -40.4850% | 7,994 |
| Retained earnings to average equity (ytd only) | -40.4850% | 7,973 |
| Net charge-offs to loans | 2.3860% | 607 |
| Credit loss provision to net charge-offs | 153.5617% | 2,724 |
| Earnings coverage of net charge-offs (x) | -1.4214% | 5,419 |
| Efficiency ratio | 194.2724% | 204 |
| Assets per employee ($millions) | 7.6593% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8778% | 1,673 |
| Loan loss allowance to noncurrent loans | 74.3466% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 3,186 |
| Noncurrent loans to loans | 2.5257% | 2,610 |
| Net loans and leases to total assets | 68.6901% | 3,978 |
| Net loans and leases to deposits | 106.8937% | 800 |
| Net loans and leases to core deposits | 118.5262% | 2,546 |
| Total domestic deposits to total assets | 64.2602% | 7,836 |
| Equity capital to assets | 10.4361% | 3,524 |
| Core capital (leverage) ratio | 7.5052% | 7,159 |
| Tier 1 risk-based capital ratio | 8.9148% | 7,837 |
| Total risk-based capital ratio | 12.4327% | 5,635 |
| Memoranda: | ||
| Average total assets | $77,550,368,000 | 25 |
| Average earning assets | $67,201,656,500 | 25 |
| Average equity | $7,546,388,500 | 27 |
| Average total loans | $55,130,941,000 | 19 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7749% | 6,520 |
| Cost of funding earning assets | 2.7937% | 2,734 |
| Net interest margin | 2.9811% | 6,965 |
| Noninterest income to average assets | 0.7264% | 2,934 |
| Noninterest expense to average assets | 3.7357% | 1,884 |
| Loan and lease loss provision to assets | 2.1161% | 548 |
| Net operating income to assets | -2.0751% | 7,615 |
| Return on assets (ROA) | -2.6119% | 7,706 |
| Pretax return on assets | -3.2642% | 7,775 |
| Return on Equity (ROE) | -25.4156% | 7,870 |
| Retained earnings to average equity (ytd only) | -25.7805% | 7,824 |
| Net charge-offs to loans | 1.0664% | 1,148 |
| Credit loss provision to net charge-offs | 277.0691% | 1,649 |
| Earnings coverage of net charge-offs (x) | -0.6248% | 6,519 |
| Efficiency ratio | 110.6817% | 694 |
| Assets per employee ($millions) | 7.0302% | 702 |
| Cash dividends to net income (ytd only)* | -1.4358% | 7,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7223% | 1,840 |
| Loan loss allowance to noncurrent loans | 107.4066% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 1.2220% | 3,790 |
| Noncurrent loans to loans | 1.6035% | 3,361 |
| Net loans and leases to total assets | 70.9477% | 3,797 |
| Net loans and leases to deposits | 113.2906% | 653 |
| Net loans and leases to core deposits | 123.4977% | 2,359 |
| Total domestic deposits to total assets | 62.6245% | 7,854 |
| Equity capital to assets | 9.0163% | 5,350 |
| Core capital (leverage) ratio | 5.9526% | 8,093 |
| Tier 1 risk-based capital ratio | 6.5913% | 8,200 |
| Total risk-based capital ratio | 10.2028% | 7,826 |
| Memoranda: | ||
| Average total assets | $79,995,620,000 | 24 |
| Average earning assets | $67,946,234,200 | 23 |
| Average equity | $8,220,995,600 | 26 |
| Average total loans | $57,292,625,200 | 19 |