Home > State Street Bank and Trust Company > Performance and Condition Ratios
State Street Bank and Trust Company, 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 | 3.9701% | 4,007 |
| Cost of funding earning assets | 2.5638% | 322 |
| Net interest margin | 1.4063% | 4,519 |
| Noninterest income to average assets | 3.0000% | 182 |
| Noninterest expense to average assets | 3.0979% | 961 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7993% | 2,874 |
| Return on assets (ROA) | 0.7195% | 3,112 |
| Pretax return on assets | 0.9074% | 2,945 |
| Return on Equity (ROE) | 8.0200% | 3,019 |
| Retained earnings to average equity (ytd only) | -9.4737% | 4,460 |
| Net charge-offs to loans | 0.0490% | 1,382 |
| Credit loss provision to net charge-offs | 329.4118% | 898 |
| Earnings coverage of net charge-offs (x) | 174.7059% | 641 |
| Efficiency ratio | 73.1677% | 1,539 |
| Assets per employee ($millions) | 7.3063% | 1,862 |
| Cash dividends to net income (ytd only)* | 218.1208% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3663% | 4,401 |
| Loan loss allowance to noncurrent loans | 192.8571% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 3,548 |
| Noncurrent loans to loans | 0.1899% | 2,563 |
| Net loans and leases to total assets | 12.5200% | 4,442 |
| Net loans and leases to deposits | 16.1700% | 4,437 |
| Net loans and leases to core deposits | 25.9975% | 4,431 |
| Total domestic deposits to total assets | 54.1900% | 4,463 |
| Equity capital to assets | 8.6588% | 2,928 |
| Core capital (leverage) ratio | 6.3279% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0394% | 1,266 |
| Memoranda: | ||
| Average total assets | $289,937,000,000 | 13 |
| Average earning assets | $230,395,800,000 | 13 |
| Average equity | $26,008,800,000 | 12 |
| Average total loans | $34,673,200,000 | 40 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 4,106 |
| Cost of funding earning assets | 2.3835% | 344 |
| Net interest margin | 1.4237% | 4,536 |
| Noninterest income to average assets | 3.0300% | 195 |
| Noninterest expense to average assets | 2.9211% | 1,192 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9544% | 2,501 |
| Return on assets (ROA) | 0.8476% | 2,852 |
| Pretax return on assets | 1.0902% | 2,593 |
| Return on Equity (ROE) | 9.3700% | 2,832 |
| Retained earnings to average equity (ytd only) | -7.7053% | 4,478 |
| Net charge-offs to loans | 0.0547% | 1,120 |
| Credit loss provision to net charge-offs | 264.2857% | 956 |
| Earnings coverage of net charge-offs (x) | 191.6429% | 618 |
| Efficiency ratio | 68.2710% | 1,987 |
| Assets per employee ($millions) | 6.9445% | 1,992 |
| Cash dividends to net income (ytd only)* | 182.2633% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3337% | 4,434 |
| Loan loss allowance to noncurrent loans | 156.5789% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 3,534 |
| Noncurrent loans to loans | 0.2131% | 2,495 |
| Net loans and leases to total assets | 12.6700% | 4,468 |
| Net loans and leases to deposits | 16.2782% | 4,465 |
| Net loans and leases to core deposits | 25.0948% | 4,424 |
| Total domestic deposits to total assets | 56.4400% | 4,478 |
| Equity capital to assets | 9.1575% | 2,320 |
| Core capital (leverage) ratio | 6.7790% | 4,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4806% | 1,430 |
| Memoranda: | ||
| Average total assets | $289,111,750,000 | 13 |
| Average earning assets | $229,905,500,000 | 13 |
| Average equity | $26,163,250,000 | 13 |
| Average total loans | $34,128,500,000 | 41 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6259% | 4,227 |
| Cost of funding earning assets | 2.1807% | 352 |
| Net interest margin | 1.4452% | 4,581 |
| Noninterest income to average assets | 3.0300% | 176 |
| Noninterest expense to average assets | 2.9542% | 1,123 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9295% | 2,651 |
| Return on assets (ROA) | 0.9295% | 2,639 |
| Pretax return on assets | 1.2124% | 2,325 |
| Return on Equity (ROE) | 10.3100% | 2,620 |
| Retained earnings to average equity (ytd only) | -7.1648% | 4,470 |
| Net charge-offs to loans | 0.0654% | 899 |
| Credit loss provision to net charge-offs | 318.1818% | 836 |
| Earnings coverage of net charge-offs (x) | 163.2727% | 706 |
| Efficiency ratio | 68.6528% | 1,900 |
| Assets per employee ($millions) | 7.1354% | 1,823 |
| Cash dividends to net income (ytd only)* | 169.4915% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3494% | 4,462 |
| Loan loss allowance to noncurrent loans | 157.8947% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 3,528 |
| Noncurrent loans to loans | 0.2213% | 2,380 |
| Net loans and leases to total assets | 11.7700% | 4,502 |
| Net loans and leases to deposits | 14.9277% | 4,496 |
| Net loans and leases to core deposits | 22.7381% | 4,458 |
| Total domestic deposits to total assets | 56.6500% | 4,499 |
| Equity capital to assets | 8.9440% | 2,553 |
| Core capital (leverage) ratio | 6.6973% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2611% | 1,268 |
| Memoranda: | ||
| Average total assets | $291,992,666,667 | 13 |
| Average earning assets | $234,147,666,667 | 13 |
| Average equity | $26,323,000,000 | 13 |
| Average total loans | $33,618,666,667 | 40 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4067% | 4,367 |
| Cost of funding earning assets | 1.9429% | 334 |
| Net interest margin | 1.4639% | 4,641 |
| Noninterest income to average assets | 3.0000% | 171 |
| Noninterest expense to average assets | 3.0546% | 987 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8423% | 3,043 |
| Return on assets (ROA) | 0.8423% | 3,001 |
| Pretax return on assets | 1.0679% | 2,805 |
| Return on Equity (ROE) | 9.3100% | 2,968 |
| Retained earnings to average equity (ytd only) | -9.5785% | 4,465 |
| Net charge-offs to loans | 0.0361% | 1,011 |
| Credit loss provision to net charge-offs | 700.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 395 |
| Efficiency ratio | 71.1017% | 1,626 |
| Assets per employee ($millions) | 7.0291% | 1,959 |
| Cash dividends to net income (ytd only)* | 202.9221% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3369% | 4,521 |
| Loan loss allowance to noncurrent loans | 255.5556% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 3,679 |
| Noncurrent loans to loans | 0.1318% | 2,854 |
| Net loans and leases to total assets | 11.8500% | 4,566 |
| Net loans and leases to deposits | 14.7617% | 4,563 |
| Net loans and leases to core deposits | 23.1404% | 4,516 |
| Total domestic deposits to total assets | 55.7700% | 4,557 |
| Equity capital to assets | 9.1870% | 2,380 |
| Core capital (leverage) ratio | 6.7609% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4306% | 1,282 |
| Memoranda: | ||
| Average total assets | $292,544,500,000 | 13 |
| Average earning assets | $237,177,000,000 | 13 |
| Average equity | $26,476,000,000 | 12 |
| Average total loans | $33,255,500,000 | 44 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6420% | 4,646 |
| Cost of funding earning assets | 0.5138% | 1,302 |
| Net interest margin | 1.1282% | 4,665 |
| Noninterest income to average assets | 2.9000% | 181 |
| Noninterest expense to average assets | 2.7195% | 1,512 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9115% | 2,914 |
| Return on assets (ROA) | 0.9104% | 2,859 |
| Pretax return on assets | 1.0961% | 2,786 |
| Return on Equity (ROE) | 10.3000% | 2,715 |
| Retained earnings to average equity (ytd only) | 4.7328% | 3,159 |
| Net charge-offs to loans | 0.0176% | 1,753 |
| Credit loss provision to net charge-offs | 250.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 560.8333% | 309 |
| Efficiency ratio | 69.1093% | 1,812 |
| Assets per employee ($millions) | 7.3956% | 1,688 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2966% | 4,551 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 10.8300% | 4,604 |
| Net loans and leases to deposits | 13.3458% | 4,600 |
| Net loans and leases to core deposits | 21.3372% | 4,556 |
| Total domestic deposits to total assets | 54.7900% | 4,600 |
| Equity capital to assets | 8.9185% | 2,407 |
| Core capital (leverage) ratio | 6.6880% | 4,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9187% | 988 |
| Memoranda: | ||
| Average total assets | $304,804,200,000 | 13 |
| Average earning assets | $248,536,200,000 | 13 |
| Average equity | $26,939,400,000 | 11 |
| Average total loans | $34,075,400,000 | 45 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2409% | 4,686 |
| Cost of funding earning assets | 0.2211% | 3,024 |
| Net interest margin | 1.0199% | 4,693 |
| Noninterest income to average assets | 2.8900% | 189 |
| Noninterest expense to average assets | 2.6714% | 1,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8763% | 2,977 |
| Return on assets (ROA) | 0.8748% | 2,953 |
| Pretax return on assets | 1.0458% | 2,884 |
| Return on Equity (ROE) | 9.9200% | 2,753 |
| Retained earnings to average equity (ytd only) | 9.9198% | 1,364 |
| Net charge-offs to loans | 0.0155% | 1,553 |
| Credit loss provision to net charge-offs | 350.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 604.5000% | 262 |
| Efficiency ratio | 69.6810% | 1,797 |
| Assets per employee ($millions) | 7.6121% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2672% | 4,603 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 12.0700% | 4,640 |
| Net loans and leases to deposits | 14.8466% | 4,636 |
| Net loans and leases to core deposits | 23.3257% | 4,583 |
| Total domestic deposits to total assets | 55.2700% | 4,641 |
| Equity capital to assets | 8.9354% | 2,253 |
| Core capital (leverage) ratio | 7.0783% | 4,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1267% | 1,151 |
| Memoranda: | ||
| Average total assets | $306,500,250,000 | 13 |
| Average earning assets | $249,702,750,000 | 13 |
| Average equity | $27,029,500,000 | 11 |
| Average total loans | $34,501,250,000 | 47 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9735% | 4,739 |
| Cost of funding earning assets | 0.0389% | 4,659 |
| Net interest margin | 0.9346% | 4,736 |
| Noninterest income to average assets | 2.9527% | 157 |
| Noninterest expense to average assets | 2.6974% | 1,395 |
| Loan and lease loss provision to assets | 0.0065% | 2,484 |
| Net operating income to assets | 0.8614% | 2,728 |
| Return on assets (ROA) | 0.8592% | 2,714 |
| Pretax return on assets | 1.0095% | 2,695 |
| Return on Equity (ROE) | 9.7847% | 2,410 |
| Retained earnings to average equity (ytd only) | 9.7847% | 1,078 |
| Net charge-offs to loans | 0.0236% | 1,250 |
| Credit loss provision to net charge-offs | 275.0000% | 830 |
| Earnings coverage of net charge-offs (x) | 393.0000% | 324 |
| Efficiency ratio | 70.5144% | 1,886 |
| Assets per employee ($millions) | 7.7010% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2814% | 4,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 11.3560% | 4,702 |
| Net loans and leases to deposits | 13.6186% | 4,703 |
| Net loans and leases to core deposits | 21.5623% | 4,666 |
| Total domestic deposits to total assets | 56.1940% | 4,706 |
| Equity capital to assets | 8.9899% | 2,390 |
| Core capital (leverage) ratio | 6.4985% | 4,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6970% | 1,255 |
| Memoranda: | ||
| Average total assets | $308,663,666,667 | 13 |
| Average earning assets | $252,086,666,667 | 13 |
| Average equity | $27,103,666,667 | 12 |
| Average total loans | $33,899,666,667 | 47 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8083% | 4,770 |
| Cost of funding earning assets | -0.0356% | 4,794 |
| Net interest margin | 0.8439% | 4,762 |
| Noninterest income to average assets | 3.0155% | 159 |
| Noninterest expense to average assets | 2.7804% | 1,199 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7467% | 2,869 |
| Return on assets (ROA) | 0.7447% | 2,869 |
| Pretax return on assets | 0.9251% | 2,680 |
| Return on Equity (ROE) | 8.5763% | 2,486 |
| Retained earnings to average equity (ytd only) | 8.5763% | 1,403 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9267% | 1,865 |
| Assets per employee ($millions) | 8.4963% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2437% | 4,709 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 11.0533% | 4,732 |
| Net loans and leases to deposits | 13.6978% | 4,731 |
| Net loans and leases to core deposits | 21.8095% | 4,686 |
| Total domestic deposits to total assets | 53.9530% | 4,745 |
| Equity capital to assets | 8.4275% | 3,220 |
| Core capital (leverage) ratio | 6.3916% | 4,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3104% | 1,691 |
| Memoranda: | ||
| Average total assets | $314,778,500,000 | 13 |
| Average earning assets | $258,330,000,000 | 13 |
| Average equity | $27,331,000,000 | 12 |
| Average total loans | $33,970,500,000 | 47 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7441% | 4,800 |
| Cost of funding earning assets | -0.0327% | 4,837 |
| Net interest margin | 0.7768% | 4,793 |
| Noninterest income to average assets | 2.9390% | 187 |
| Noninterest expense to average assets | 2.5740% | 1,942 |
| Loan and lease loss provision to assets | -0.0105% | 4,172 |
| Net operating income to assets | 0.8263% | 3,251 |
| Return on assets (ROA) | 0.8419% | 3,278 |
| Pretax return on assets | 1.0270% | 3,184 |
| Return on Equity (ROE) | 9.8839% | 2,566 |
| Retained earnings to average equity (ytd only) | 9.8839% | 946 |
| Net charge-offs to loans | 0.0064% | 2,338 |
| Credit loss provision to net charge-offs | -1,450.0000% | 3,996 |
| Earnings coverage of net charge-offs (x) | 1,574.0000% | 92 |
| Efficiency ratio | 69.9139% | 1,742 |
| Assets per employee ($millions) | 8.4228% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2665% | 4,742 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 10.4686% | 4,777 |
| Net loans and leases to deposits | 12.4860% | 4,782 |
| Net loans and leases to core deposits | 21.1658% | 4,735 |
| Total domestic deposits to total assets | 52.8446% | 4,788 |
| Equity capital to assets | 8.9438% | 3,686 |
| Core capital (leverage) ratio | 6.4893% | 4,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1564% | 1,015 |
| Memoranda: | ||
| Average total assets | $315,584,400,000 | 13 |
| Average earning assets | $256,938,200,000 | 13 |
| Average equity | $26,882,200,000 | 12 |
| Average total loans | $31,228,400,000 | 48 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7403% | 4,884 |
| Cost of funding earning assets | -0.0306% | 4,912 |
| Net interest margin | 0.7710% | 4,876 |
| Noninterest income to average assets | 2.9077% | 206 |
| Noninterest expense to average assets | 2.5128% | 2,081 |
| Loan and lease loss provision to assets | -0.0105% | 4,318 |
| Net operating income to assets | 0.8332% | 3,439 |
| Return on assets (ROA) | 0.8335% | 3,496 |
| Pretax return on assets | 1.0310% | 3,372 |
| Return on Equity (ROE) | 9.9069% | 2,770 |
| Retained earnings to average equity (ytd only) | 9.9069% | 1,353 |
| Net charge-offs to loans | 0.0086% | 1,996 |
| Credit loss provision to net charge-offs | -1,050.0000% | 3,864 |
| Earnings coverage of net charge-offs (x) | 1,211.5000% | 132 |
| Efficiency ratio | 68.9704% | 1,709 |
| Assets per employee ($millions) | 10.8490% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2886% | 4,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 10.2749% | 4,850 |
| Net loans and leases to deposits | 12.3816% | 4,854 |
| Net loans and leases to core deposits | 19.5376% | 4,821 |
| Total domestic deposits to total assets | 55.9666% | 4,851 |
| Equity capital to assets | 8.5588% | 4,172 |
| Core capital (leverage) ratio | 6.5625% | 4,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7953% | 1,388 |
| Memoranda: | ||
| Average total assets | $316,714,750,000 | 13 |
| Average earning assets | $256,815,500,000 | 13 |
| Average equity | $26,647,500,000 | 12 |
| Average total loans | $30,872,750,000 | 49 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7318% | 4,924 |
| Cost of funding earning assets | -0.0304% | 4,946 |
| Net interest margin | 0.7621% | 4,919 |
| Noninterest income to average assets | 2.9265% | 195 |
| Noninterest expense to average assets | 2.5636% | 1,954 |
| Loan and lease loss provision to assets | -0.0152% | 4,420 |
| Net operating income to assets | 0.8159% | 3,462 |
| Return on assets (ROA) | 0.8170% | 3,529 |
| Pretax return on assets | 0.9993% | 3,449 |
| Return on Equity (ROE) | 9.7666% | 2,845 |
| Retained earnings to average equity (ytd only) | 9.7666% | 1,478 |
| Net charge-offs to loans | 0.0066% | 1,897 |
| Credit loss provision to net charge-offs | -1,900.0000% | 3,814 |
| Earnings coverage of net charge-offs (x) | 1,552.0000% | 74 |
| Efficiency ratio | 70.1429% | 1,617 |
| Assets per employee ($millions) | 10.8755% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3244% | 4,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 9.5133% | 4,896 |
| Net loans and leases to deposits | 11.4581% | 4,894 |
| Net loans and leases to core deposits | 18.5513% | 4,865 |
| Total domestic deposits to total assets | 54.6371% | 4,889 |
| Equity capital to assets | 8.3280% | 4,339 |
| Core capital (leverage) ratio | 6.0430% | 4,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7798% | 1,699 |
| Memoranda: | ||
| Average total assets | $315,806,666,667 | 12 |
| Average earning assets | $256,910,000,000 | 13 |
| Average equity | $26,416,666,667 | 12 |
| Average total loans | $30,191,333,333 | 48 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7400% | 4,953 |
| Cost of funding earning assets | -0.0282% | 4,975 |
| Net interest margin | 0.7682% | 4,945 |
| Noninterest income to average assets | 2.9145% | 208 |
| Noninterest expense to average assets | 2.7198% | 1,573 |
| Loan and lease loss provision to assets | -0.0115% | 4,584 |
| Net operating income to assets | 0.6907% | 3,732 |
| Return on assets (ROA) | 0.6918% | 3,792 |
| Pretax return on assets | 0.8353% | 3,751 |
| Return on Equity (ROE) | 8.2515% | 3,252 |
| Retained earnings to average equity (ytd only) | 8.2515% | 2,162 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6835% | 1,253 |
| Assets per employee ($millions) | 10.4462% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3722% | 4,842 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 10.0826% | 4,920 |
| Net loans and leases to deposits | 12.6105% | 4,919 |
| Net loans and leases to core deposits | 19.7930% | 4,888 |
| Total domestic deposits to total assets | 54.3991% | 4,911 |
| Equity capital to assets | 8.3475% | 4,235 |
| Core capital (leverage) ratio | 6.0290% | 4,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9416% | 1,911 |
| Memoranda: | ||
| Average total assets | $312,231,000,000 | 12 |
| Average earning assets | $255,129,000,000 | 12 |
| Average equity | $26,177,000,000 | 12 |
| Average total loans | $29,875,000,000 | 49 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0681% | 4,967 |
| Cost of funding earning assets | 0.0855% | 4,897 |
| Net interest margin | 0.9827% | 4,962 |
| Noninterest income to average assets | 2.9519% | 203 |
| Noninterest expense to average assets | 2.7262% | 2,151 |
| Loan and lease loss provision to assets | 0.0291% | 4,033 |
| Net operating income to assets | 0.8370% | 2,951 |
| Return on assets (ROA) | 0.8381% | 3,077 |
| Pretax return on assets | 1.0102% | 3,012 |
| Return on Equity (ROE) | 9.3956% | 2,243 |
| Retained earnings to average equity (ytd only) | -1.0649% | 4,644 |
| Net charge-offs to loans | 0.1417% | 1,140 |
| Credit loss provision to net charge-offs | 202.5000% | 2,149 |
| Earnings coverage of net charge-offs (x) | 75.6750% | 927 |
| Efficiency ratio | 70.3380% | 1,904 |
| Assets per employee ($millions) | 10.3211% | 482 |
| Cash dividends to net income (ytd only)* | 111.3339% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4350% | 4,833 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 8.9732% | 4,947 |
| Net loans and leases to deposits | 11.3298% | 4,948 |
| Net loans and leases to core deposits | 18.9576% | 4,911 |
| Total domestic deposits to total assets | 50.6750% | 4,944 |
| Equity capital to assets | 8.4205% | 4,498 |
| Core capital (leverage) ratio | 6.6436% | 4,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3032% | 1,444 |
| Memoranda: | ||
| Average total assets | $291,613,200,000 | 11 |
| Average earning assets | $241,075,000,000 | 12 |
| Average equity | $26,012,200,000 | 12 |
| Average total loans | $28,222,400,000 | 49 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1615% | 5,007 |
| Cost of funding earning assets | 0.1195% | 4,883 |
| Net interest margin | 1.0421% | 5,003 |
| Noninterest income to average assets | 2.9873% | 186 |
| Noninterest expense to average assets | 2.7338% | 2,164 |
| Loan and lease loss provision to assets | 0.0428% | 3,820 |
| Net operating income to assets | 0.8869% | 2,749 |
| Return on assets (ROA) | 0.8873% | 2,870 |
| Pretax return on assets | 1.0709% | 2,853 |
| Return on Equity (ROE) | 9.7977% | 2,093 |
| Retained earnings to average equity (ytd only) | 0.9603% | 4,269 |
| Net charge-offs to loans | 0.1509% | 969 |
| Credit loss provision to net charge-offs | 275.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 74.8125% | 958 |
| Efficiency ratio | 68.9955% | 2,037 |
| Assets per employee ($millions) | 8.9458% | 703 |
| Cash dividends to net income (ytd only)* | 90.1992% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4935% | 4,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 10.0550% | 4,978 |
| Net loans and leases to deposits | 13.2774% | 4,974 |
| Net loans and leases to core deposits | 21.8740% | 4,946 |
| Total domestic deposits to total assets | 49.1119% | 4,978 |
| Equity capital to assets | 9.8261% | 3,399 |
| Core capital (leverage) ratio | 7.1913% | 4,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4326% | 1,154 |
| Memoranda: | ||
| Average total assets | $286,721,250,000 | 11 |
| Average earning assets | $236,576,500,000 | 12 |
| Average equity | $25,964,500,000 | 12 |
| Average total loans | $28,266,750,000 | 49 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2719% | 5,048 |
| Cost of funding earning assets | 0.1684% | 4,840 |
| Net interest margin | 1.1035% | 5,044 |
| Noninterest income to average assets | 2.9865% | 165 |
| Noninterest expense to average assets | 2.7043% | 2,372 |
| Loan and lease loss provision to assets | 0.0615% | 3,530 |
| Net operating income to assets | 0.9471% | 2,502 |
| Return on assets (ROA) | 0.9477% | 2,634 |
| Pretax return on assets | 1.1349% | 2,599 |
| Return on Equity (ROE) | 10.7447% | 1,722 |
| Retained earnings to average equity (ytd only) | -0.8754% | 4,459 |
| Net charge-offs to loans | 0.1327% | 1,051 |
| Credit loss provision to net charge-offs | 452.6316% | 1,297 |
| Earnings coverage of net charge-offs (x) | 92.1053% | 733 |
| Efficiency ratio | 67.3441% | 2,329 |
| Assets per employee ($millions) | 9.2033% | 642 |
| Cash dividends to net income (ytd only)* | 108.1471% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5226% | 4,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 9.6959% | 5,017 |
| Net loans and leases to deposits | 12.9050% | 5,012 |
| Net loans and leases to core deposits | 21.0250% | 4,984 |
| Total domestic deposits to total assets | 49.1384% | 5,008 |
| Equity capital to assets | 9.3285% | 3,803 |
| Core capital (leverage) ratio | 6.7259% | 5,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5979% | 1,113 |
| Memoranda: | ||
| Average total assets | $292,717,333,333 | 11 |
| Average earning assets | $242,316,333,333 | 12 |
| Average equity | $25,817,333,333 | 12 |
| Average total loans | $28,637,333,333 | 49 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3945% | 5,108 |
| Cost of funding earning assets | 0.2335% | 4,813 |
| Net interest margin | 1.1610% | 5,096 |
| Noninterest income to average assets | 3.0172% | 149 |
| Noninterest expense to average assets | 2.7525% | 2,569 |
| Loan and lease loss provision to assets | 0.0452% | 3,211 |
| Net operating income to assets | 0.9554% | 2,333 |
| Return on assets (ROA) | 0.9565% | 2,429 |
| Pretax return on assets | 1.1800% | 2,268 |
| Return on Equity (ROE) | 11.1408% | 1,376 |
| Retained earnings to average equity (ytd only) | 11.1408% | 550 |
| Net charge-offs to loans | 0.0679% | 1,350 |
| Credit loss provision to net charge-offs | 580.0000% | 811 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 366 |
| Efficiency ratio | 67.3135% | 2,767 |
| Assets per employee ($millions) | 11.7846% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2985% | 4,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 9.0207% | 5,063 |
| Net loans and leases to deposits | 12.3000% | 5,060 |
| Net loans and leases to core deposits | 26.5386% | 5,003 |
| Total domestic deposits to total assets | 51.5323% | 5,067 |
| Equity capital to assets | 7.2882% | 5,052 |
| Core capital (leverage) ratio | 7.3349% | 5,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0635% | 1,333 |
| Memoranda: | ||
| Average total assets | $300,672,000,000 | 11 |
| Average earning assets | $248,404,500,000 | 11 |
| Average equity | $25,815,000,000 | 12 |
| Average total loans | $29,466,000,000 | 48 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1395% | 5,142 |
| Cost of funding earning assets | 0.5037% | 4,079 |
| Net interest margin | 1.6358% | 5,129 |
| Noninterest income to average assets | 3.3462% | 130 |
| Noninterest expense to average assets | 3.4131% | 1,090 |
| Loan and lease loss provision to assets | 0.0042% | 3,915 |
| Net operating income to assets | 0.9969% | 2,858 |
| Return on assets (ROA) | 0.9972% | 2,942 |
| Pretax return on assets | 1.1941% | 2,862 |
| Return on Equity (ROE) | 9.0678% | 2,720 |
| Retained earnings to average equity (ytd only) | -3.5529% | 4,933 |
| Net charge-offs to loans | 0.0117% | 3,271 |
| Credit loss provision to net charge-offs | 333.3333% | 831 |
| Earnings coverage of net charge-offs (x) | 949.3333% | 107 |
| Efficiency ratio | 71.9146% | 1,882 |
| Assets per employee ($millions) | 7.9591% | 728 |
| Cash dividends to net income (ytd only)* | 139.1818% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2800% | 5,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 10.8855% | 5,118 |
| Net loans and leases to deposits | 14.0479% | 5,120 |
| Net loans and leases to core deposits | 34.1349% | 5,012 |
| Total domestic deposits to total assets | 48.0462% | 5,132 |
| Equity capital to assets | 10.5683% | 3,377 |
| Core capital (leverage) ratio | 7.7437% | 5,079 |
| Tier 1 risk-based capital ratio | 16.6543% | 2,166 |
| Total risk-based capital ratio | 17.8370% | 2,129 |
| Memoranda: | ||
| Average total assets | $237,761,774,200 | 11 |
| Average earning assets | $183,825,091,200 | 13 |
| Average equity | $26,147,513,000 | 11 |
| Average total loans | $25,708,039,600 | 50 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2227% | 5,226 |
| Cost of funding earning assets | 0.5502% | 3,926 |
| Net interest margin | 1.6725% | 5,214 |
| Noninterest income to average assets | 3.3250% | 132 |
| Noninterest expense to average assets | 3.4106% | 1,067 |
| Loan and lease loss provision to assets | 0.0039% | 3,788 |
| Net operating income to assets | 0.9612% | 3,117 |
| Return on assets (ROA) | 0.9617% | 3,195 |
| Pretax return on assets | 1.1955% | 2,993 |
| Return on Equity (ROE) | 8.6582% | 3,029 |
| Retained earnings to average equity (ytd only) | -0.4717% | 4,807 |
| Net charge-offs to loans | 0.0104% | 2,996 |
| Credit loss provision to net charge-offs | 350.0000% | 859 |
| Earnings coverage of net charge-offs (x) | 1,064.0000% | 84 |
| Efficiency ratio | 71.8651% | 1,858 |
| Assets per employee ($millions) | 7.8073% | 743 |
| Cash dividends to net income (ytd only)* | 105.4482% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2617% | 5,136 |
| Loan loss allowance to noncurrent loans | 338.0952% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,718 |
| Noncurrent loans to loans | 0.0774% | 4,295 |
| Net loans and leases to total assets | 11.2129% | 5,197 |
| Net loans and leases to deposits | 15.3754% | 5,191 |
| Net loans and leases to core deposits | 37.4241% | 5,065 |
| Total domestic deposits to total assets | 45.6692% | 5,212 |
| Equity capital to assets | 10.9068% | 3,188 |
| Core capital (leverage) ratio | 8.2929% | 5,036 |
| Tier 1 risk-based capital ratio | 16.4893% | 2,273 |
| Total risk-based capital ratio | 17.1406% | 2,408 |
| Memoranda: | ||
| Average total assets | $236,665,217,750 | 10 |
| Average earning assets | $181,758,364,000 | 13 |
| Average equity | $26,286,641,250 | 11 |
| Average total loans | $25,526,799,500 | 51 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2523% | 5,281 |
| Cost of funding earning assets | 0.5567% | 3,854 |
| Net interest margin | 1.6956% | 5,268 |
| Noninterest income to average assets | 3.3603% | 133 |
| Noninterest expense to average assets | 3.4581% | 1,014 |
| Loan and lease loss provision to assets | 0.0043% | 3,637 |
| Net operating income to assets | 0.9656% | 3,040 |
| Return on assets (ROA) | 0.9656% | 3,114 |
| Pretax return on assets | 1.1986% | 2,909 |
| Return on Equity (ROE) | 8.6398% | 3,008 |
| Retained earnings to average equity (ytd only) | 0.6090% | 4,532 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0569% | 1,914 |
| Assets per employee ($millions) | 7.5260% | 797 |
| Cash dividends to net income (ytd only)* | 92.9515% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2818% | 5,186 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,813 |
| Noncurrent loans to loans | 0.0235% | 4,607 |
| Net loans and leases to total assets | 10.6979% | 5,248 |
| Net loans and leases to deposits | 14.5159% | 5,245 |
| Net loans and leases to core deposits | 38.3789% | 5,102 |
| Total domestic deposits to total assets | 45.0559% | 5,259 |
| Equity capital to assets | 11.1716% | 2,891 |
| Core capital (leverage) ratio | 8.4290% | 4,991 |
| Tier 1 risk-based capital ratio | 16.7070% | 2,176 |
| Total risk-based capital ratio | 17.3606% | 2,312 |
| Memoranda: | ||
| Average total assets | $235,098,957,000 | 10 |
| Average earning assets | $180,351,485,330 | 13 |
| Average equity | $26,273,855,000 | 11 |
| Average total loans | $24,990,732,670 | 51 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2881% | 5,347 |
| Cost of funding earning assets | 0.5369% | 3,882 |
| Net interest margin | 1.7512% | 5,333 |
| Noninterest income to average assets | 3.3923% | 125 |
| Noninterest expense to average assets | 3.6235% | 822 |
| Loan and lease loss provision to assets | 0.0051% | 3,361 |
| Net operating income to assets | 0.8850% | 3,289 |
| Return on assets (ROA) | 0.8836% | 3,351 |
| Pretax return on assets | 1.1079% | 3,125 |
| Return on Equity (ROE) | 7.9051% | 3,309 |
| Retained earnings to average equity (ytd only) | -0.2145% | 4,562 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3404% | 1,707 |
| Assets per employee ($millions) | 6.9367% | 1,026 |
| Cash dividends to net income (ytd only)* | 102.7132% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2978% | 5,246 |
| Loan loss allowance to noncurrent loans | 777.7778% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 4,868 |
| Noncurrent loans to loans | 0.0383% | 4,596 |
| Net loans and leases to total assets | 10.4106% | 5,308 |
| Net loans and leases to deposits | 14.0043% | 5,305 |
| Net loans and leases to core deposits | 37.8729% | 5,143 |
| Total domestic deposits to total assets | 45.4701% | 5,321 |
| Equity capital to assets | 11.6378% | 2,283 |
| Core capital (leverage) ratio | 8.2905% | 5,107 |
| Tier 1 risk-based capital ratio | 17.0205% | 2,102 |
| Total risk-based capital ratio | 17.8796% | 2,172 |
| Memoranda: | ||
| Average total assets | $233,587,435,500 | 10 |
| Average earning assets | $179,537,228,000 | 13 |
| Average equity | $26,109,782,500 | 12 |
| Average total loans | $24,713,099,000 | 53 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9215% | 5,371 |
| Cost of funding earning assets | 0.3771% | 4,119 |
| Net interest margin | 1.5444% | 5,370 |
| Noninterest income to average assets | 3.5180% | 122 |
| Noninterest expense to average assets | 3.4046% | 1,144 |
| Loan and lease loss provision to assets | 0.0060% | 3,995 |
| Net operating income to assets | 1.1369% | 2,446 |
| Return on assets (ROA) | 1.1387% | 2,438 |
| Pretax return on assets | 1.3312% | 2,396 |
| Return on Equity (ROE) | 11.2542% | 1,988 |
| Retained earnings to average equity (ytd only) | 8.0227% | 1,223 |
| Net charge-offs to loans | 0.0052% | 3,529 |
| Credit loss provision to net charge-offs | 1,101.4504% | 355 |
| Earnings coverage of net charge-offs (x) | 2,447.0924% | 36 |
| Efficiency ratio | 70.0679% | 2,176 |
| Assets per employee ($millions) | 7.3336% | 858 |
| Cash dividends to net income (ytd only)* | 28.7141% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2595% | 5,309 |
| Loan loss allowance to noncurrent loans | 722.2699% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 4,913 |
| Noncurrent loans to loans | 0.0359% | 4,610 |
| Net loans and leases to total assets | 10.6805% | 5,352 |
| Net loans and leases to deposits | 13.9571% | 5,349 |
| Net loans and leases to core deposits | 37.8466% | 5,194 |
| Total domestic deposits to total assets | 47.2619% | 5,361 |
| Equity capital to assets | 10.7498% | 2,931 |
| Core capital (leverage) ratio | 8.0898% | 5,210 |
| Tier 1 risk-based capital ratio | 17.5932% | 1,873 |
| Total risk-based capital ratio | 18.4855% | 1,931 |
| Memoranda: | ||
| Average total assets | $240,093,683,600 | 10 |
| Average earning assets | $189,945,941,200 | 11 |
| Average equity | $24,291,703,800 | 13 |
| Average total loans | $25,364,158,400 | 49 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8765% | 5,446 |
| Cost of funding earning assets | 0.3502% | 4,182 |
| Net interest margin | 1.5262% | 5,449 |
| Noninterest income to average assets | 3.5289% | 134 |
| Noninterest expense to average assets | 3.3034% | 1,294 |
| Loan and lease loss provision to assets | 0.0037% | 3,899 |
| Net operating income to assets | 1.2308% | 2,120 |
| Return on assets (ROA) | 1.2334% | 2,111 |
| Pretax return on assets | 1.4340% | 2,110 |
| Return on Equity (ROE) | 12.3862% | 1,645 |
| Retained earnings to average equity (ytd only) | 9.2569% | 1,131 |
| Net charge-offs to loans | 0.0069% | 3,178 |
| Credit loss provision to net charge-offs | 510.9924% | 690 |
| Earnings coverage of net charge-offs (x) | 1,968.2118% | 31 |
| Efficiency ratio | 68.0956% | 2,519 |
| Assets per employee ($millions) | 7.1461% | 883 |
| Cash dividends to net income (ytd only)* | 25.2642% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2533% | 5,382 |
| Loan loss allowance to noncurrent loans | 607.8211% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,013 |
| Noncurrent loans to loans | 0.0417% | 4,712 |
| Net loans and leases to total assets | 10.1498% | 5,428 |
| Net loans and leases to deposits | 13.6493% | 5,422 |
| Net loans and leases to core deposits | 35.0915% | 5,308 |
| Total domestic deposits to total assets | 46.7979% | 5,432 |
| Equity capital to assets | 11.1408% | 2,525 |
| Core capital (leverage) ratio | 8.9902% | 4,718 |
| Tier 1 risk-based capital ratio | 18.5124% | 1,664 |
| Total risk-based capital ratio | 19.3240% | 1,724 |
| Memoranda: | ||
| Average total assets | $239,607,636,750 | 10 |
| Average earning assets | $189,839,812,500 | 11 |
| Average equity | $23,859,988,500 | 14 |
| Average total loans | $25,225,648,500 | 49 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8147% | 5,515 |
| Cost of funding earning assets | 0.3351% | 4,167 |
| Net interest margin | 1.4795% | 5,515 |
| Noninterest income to average assets | 3.5470% | 131 |
| Noninterest expense to average assets | 3.3372% | 1,235 |
| Loan and lease loss provision to assets | 0.0017% | 3,766 |
| Net operating income to assets | 1.1801% | 2,278 |
| Return on assets (ROA) | 1.1848% | 2,259 |
| Pretax return on assets | 1.3967% | 2,162 |
| Return on Equity (ROE) | 12.3641% | 1,596 |
| Retained earnings to average equity (ytd only) | 7.5441% | 1,822 |
| Net charge-offs to loans | 0.0079% | 2,848 |
| Credit loss provision to net charge-offs | 196.8719% | 1,322 |
| Earnings coverage of net charge-offs (x) | 1,650.8025% | 44 |
| Efficiency ratio | 68.9224% | 2,501 |
| Assets per employee ($millions) | 7.6194% | 733 |
| Cash dividends to net income (ytd only)* | 38.9840% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2273% | 5,450 |
| Loan loss allowance to noncurrent loans | 366.8463% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 5,018 |
| Noncurrent loans to loans | 0.0620% | 4,644 |
| Net loans and leases to total assets | 9.8682% | 5,488 |
| Net loans and leases to deposits | 12.7120% | 5,488 |
| Net loans and leases to core deposits | 34.5679% | 5,362 |
| Total domestic deposits to total assets | 45.8277% | 5,498 |
| Equity capital to assets | 9.5852% | 4,020 |
| Core capital (leverage) ratio | 7.8238% | 5,391 |
| Tier 1 risk-based capital ratio | 16.0279% | 2,427 |
| Total risk-based capital ratio | 16.8269% | 2,544 |
| Memoranda: | ||
| Average total assets | $242,489,723,000 | 10 |
| Average earning assets | $193,893,286,330 | 11 |
| Average equity | $23,236,338,670 | 14 |
| Average total loans | $25,800,294,670 | 48 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7508% | 5,584 |
| Cost of funding earning assets | 0.2656% | 4,611 |
| Net interest margin | 1.4852% | 5,581 |
| Noninterest income to average assets | 3.5862% | 131 |
| Noninterest expense to average assets | 3.4456% | 1,089 |
| Loan and lease loss provision to assets | 0.0003% | 3,506 |
| Net operating income to assets | 1.1470% | 2,232 |
| Return on assets (ROA) | 1.1437% | 2,260 |
| Pretax return on assets | 1.3395% | 2,220 |
| Return on Equity (ROE) | 11.9369% | 1,598 |
| Retained earnings to average equity (ytd only) | 2.2403% | 4,272 |
| Net charge-offs to loans | 0.0086% | 2,426 |
| Credit loss provision to net charge-offs | 30.9441% | 2,059 |
| Earnings coverage of net charge-offs (x) | 1,416.0839% | 40 |
| Efficiency ratio | 70.2792% | 2,444 |
| Assets per employee ($millions) | 7.7184% | 701 |
| Cash dividends to net income (ytd only)* | 81.2323% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1809% | 5,521 |
| Loan loss allowance to noncurrent loans | 5,203.3882% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 5,152 |
| Noncurrent loans to loans | 0.0035% | 5,009 |
| Net loans and leases to total assets | 11.9990% | 5,547 |
| Net loans and leases to deposits | 15.1289% | 5,544 |
| Net loans and leases to core deposits | 38.2554% | 5,351 |
| Total domestic deposits to total assets | 46.7031% | 5,559 |
| Equity capital to assets | 9.3532% | 4,226 |
| Core capital (leverage) ratio | 7.5123% | 5,508 |
| Tier 1 risk-based capital ratio | 15.1360% | 2,815 |
| Total risk-based capital ratio | 16.0960% | 2,887 |
| Memoranda: | ||
| Average total assets | $241,112,522,500 | 10 |
| Average earning assets | $195,336,260,000 | 11 |
| Average equity | $23,100,915,500 | 14 |
| Average total loans | $26,572,260,500 | 49 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5565% | 5,625 |
| Cost of funding earning assets | 0.2133% | 4,842 |
| Net interest margin | 1.3431% | 5,627 |
| Noninterest income to average assets | 3.4793% | 148 |
| Noninterest expense to average assets | 3.3037% | 1,373 |
| Loan and lease loss provision to assets | 0.0008% | 4,220 |
| Net operating income to assets | 0.9681% | 2,370 |
| Return on assets (ROA) | 0.9550% | 2,456 |
| Pretax return on assets | 1.2249% | 2,662 |
| Return on Equity (ROE) | 9.9941% | 1,890 |
| Retained earnings to average equity (ytd only) | 0.0907% | 4,968 |
| Net charge-offs to loans | 0.0034% | 3,985 |
| Credit loss provision to net charge-offs | 229.0323% | 1,209 |
| Earnings coverage of net charge-offs (x) | 3,767.1265% | 16 |
| Efficiency ratio | 70.7660% | 2,433 |
| Assets per employee ($millions) | 7.3394% | 832 |
| Cash dividends to net income (ytd only)* | 99.0923% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2311% | 5,574 |
| Loan loss allowance to noncurrent loans | 1,890.5726% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,199 |
| Noncurrent loans to loans | 0.0122% | 4,980 |
| Net loans and leases to total assets | 9.9458% | 5,619 |
| Net loans and leases to deposits | 12.3532% | 5,624 |
| Net loans and leases to core deposits | 38.2440% | 5,415 |
| Total domestic deposits to total assets | 42.8028% | 5,627 |
| Equity capital to assets | 9.8205% | 3,897 |
| Core capital (leverage) ratio | 8.0217% | 5,430 |
| Tier 1 risk-based capital ratio | 16.5698% | 2,240 |
| Total risk-based capital ratio | 17.6272% | 2,243 |
| Memoranda: | ||
| Average total assets | $235,003,064,800 | 10 |
| Average earning assets | $186,650,876,200 | 10 |
| Average equity | $22,456,950,400 | 15 |
| Average total loans | $22,825,402,200 | 49 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5160% | 5,701 |
| Cost of funding earning assets | 0.1967% | 5,003 |
| Net interest margin | 1.3193% | 5,701 |
| Noninterest income to average assets | 3.4752% | 157 |
| Noninterest expense to average assets | 3.2828% | 1,387 |
| Loan and lease loss provision to assets | 0.0026% | 4,059 |
| Net operating income to assets | 1.0153% | 2,494 |
| Return on assets (ROA) | 0.9973% | 2,619 |
| Pretax return on assets | 1.2097% | 2,863 |
| Return on Equity (ROE) | 10.5092% | 1,899 |
| Retained earnings to average equity (ytd only) | -0.0371% | 5,214 |
| Net charge-offs to loans | 0.0018% | 3,707 |
| Credit loss provision to net charge-offs | 1,549.8339% | 245 |
| Earnings coverage of net charge-offs (x) | 7,227.3485% | 4 |
| Efficiency ratio | 70.7621% | 2,405 |
| Assets per employee ($millions) | 7.2400% | 853 |
| Cash dividends to net income (ytd only)* | 100.3535% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2419% | 5,642 |
| Loan loss allowance to noncurrent loans | 3,971.6851% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,282 |
| Noncurrent loans to loans | 0.0061% | 5,118 |
| Net loans and leases to total assets | 10.2077% | 5,687 |
| Net loans and leases to deposits | 12.8983% | 5,689 |
| Net loans and leases to core deposits | 36.6848% | 5,515 |
| Total domestic deposits to total assets | 44.2324% | 5,695 |
| Equity capital to assets | 9.8395% | 4,098 |
| Core capital (leverage) ratio | 7.8354% | 5,561 |
| Tier 1 risk-based capital ratio | 15.6599% | 2,650 |
| Total risk-based capital ratio | 16.7684% | 2,650 |
| Memoranda: | ||
| Average total assets | $234,998,426,500 | 10 |
| Average earning assets | $185,578,448,250 | 11 |
| Average equity | $22,301,086,000 | 15 |
| Average total loans | $22,674,550,000 | 49 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4415% | 5,755 |
| Cost of funding earning assets | 0.1810% | 5,134 |
| Net interest margin | 1.2605% | 5,756 |
| Noninterest income to average assets | 3.4467% | 164 |
| Noninterest expense to average assets | 3.2918% | 1,389 |
| Loan and lease loss provision to assets | 0.0006% | 3,867 |
| Net operating income to assets | 0.9444% | 2,693 |
| Return on assets (ROA) | 0.9161% | 2,882 |
| Pretax return on assets | 1.1199% | 3,090 |
| Return on Equity (ROE) | 9.7713% | 2,141 |
| Retained earnings to average equity (ytd only) | -0.9369% | 5,225 |
| Net charge-offs to loans | 0.0027% | 3,405 |
| Credit loss provision to net charge-offs | 246.5116% | 1,093 |
| Earnings coverage of net charge-offs (x) | 4,525.8937% | 6 |
| Efficiency ratio | 72.1167% | 2,315 |
| Assets per employee ($millions) | 7.3541% | 793 |
| Cash dividends to net income (ytd only)* | 109.5886% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2187% | 5,699 |
| Loan loss allowance to noncurrent loans | 1,839.5812% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,326 |
| Noncurrent loans to loans | 0.0119% | 5,130 |
| Net loans and leases to total assets | 10.4075% | 5,734 |
| Net loans and leases to deposits | 13.1307% | 5,739 |
| Net loans and leases to core deposits | 59.0848% | 4,872 |
| Total domestic deposits to total assets | 33.6817% | 5,751 |
| Equity capital to assets | 9.5830% | 4,334 |
| Core capital (leverage) ratio | 7.4767% | 5,661 |
| Tier 1 risk-based capital ratio | 15.3974% | 2,749 |
| Total risk-based capital ratio | 16.5067% | 2,751 |
| Memoranda: | ||
| Average total assets | $235,878,149,000 | 10 |
| Average earning assets | $187,171,486,670 | 10 |
| Average equity | $22,113,780,000 | 15 |
| Average total loans | $22,307,367,000 | 50 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3845% | 5,827 |
| Cost of funding earning assets | 0.1947% | 5,026 |
| Net interest margin | 1.1899% | 5,824 |
| Noninterest income to average assets | 3.3997% | 178 |
| Noninterest expense to average assets | 3.3141% | 1,358 |
| Loan and lease loss provision to assets | -0.0035% | 5,641 |
| Net operating income to assets | 0.8966% | 2,781 |
| Return on assets (ROA) | 0.8369% | 3,100 |
| Pretax return on assets | 0.9649% | 3,521 |
| Return on Equity (ROE) | 9.0267% | 2,407 |
| Retained earnings to average equity (ytd only) | -3.5668% | 5,302 |
| Net charge-offs to loans | 0.0057% | 2,775 |
| Credit loss provision to net charge-offs | -682.3920% | 4,323 |
| Earnings coverage of net charge-offs (x) | 2,022.1130% | 15 |
| Efficiency ratio | 74.3529% | 2,172 |
| Assets per employee ($millions) | 7.4079% | 787 |
| Cash dividends to net income (ytd only)* | 139.5143% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2246% | 5,768 |
| Loan loss allowance to noncurrent loans | 299.4399% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 5,342 |
| Noncurrent loans to loans | 0.0750% | 4,901 |
| Net loans and leases to total assets | 9.6608% | 5,806 |
| Net loans and leases to deposits | 11.9699% | 5,804 |
| Net loans and leases to core deposits | 61.7071% | 4,678 |
| Total domestic deposits to total assets | 37.4622% | 5,813 |
| Equity capital to assets | 9.3837% | 4,405 |
| Core capital (leverage) ratio | 7.3985% | 5,722 |
| Tier 1 risk-based capital ratio | 15.9653% | 2,561 |
| Total risk-based capital ratio | 17.0702% | 2,558 |
| Memoranda: | ||
| Average total assets | $236,372,747,000 | 10 |
| Average earning assets | $187,613,387,000 | 10 |
| Average equity | $21,915,961,000 | 15 |
| Average total loans | $21,211,221,500 | 51 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2835% | 5,875 |
| Cost of funding earning assets | 0.1229% | 5,598 |
| Net interest margin | 1.1607% | 5,870 |
| Noninterest income to average assets | 3.0853% | 191 |
| Noninterest expense to average assets | 3.0723% | 2,116 |
| Loan and lease loss provision to assets | 0.0042% | 4,270 |
| Net operating income to assets | 0.9276% | 2,693 |
| Return on assets (ROA) | 0.9285% | 2,802 |
| Pretax return on assets | 0.9379% | 3,702 |
| Return on Equity (ROE) | 10.5644% | 1,742 |
| Retained earnings to average equity (ytd only) | 7.5852% | 1,004 |
| Net charge-offs to loans | 0.0138% | 3,824 |
| Credit loss provision to net charge-offs | 378.6028% | 828 |
| Earnings coverage of net charge-offs (x) | 841.5530% | 91 |
| Efficiency ratio | 74.6393% | 2,197 |
| Assets per employee ($millions) | 7.7980% | 654 |
| Cash dividends to net income (ytd only)* | 28.2001% | 3,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2683% | 5,811 |
| Loan loss allowance to noncurrent loans | 313.6012% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 5,388 |
| Noncurrent loans to loans | 0.0855% | 4,898 |
| Net loans and leases to total assets | 8.2593% | 5,869 |
| Net loans and leases to deposits | 10.3052% | 5,867 |
| Net loans and leases to core deposits | 52.8849% | 5,181 |
| Total domestic deposits to total assets | 38.5355% | 5,872 |
| Equity capital to assets | 9.1625% | 4,632 |
| Core capital (leverage) ratio | 7.1009% | 5,799 |
| Tier 1 risk-based capital ratio | 16.4364% | 2,371 |
| Total risk-based capital ratio | 17.7417% | 2,292 |
| Memoranda: | ||
| Average total assets | $244,437,048,400 | 10 |
| Average earning assets | $195,496,776,600 | 10 |
| Average equity | $21,482,420,400 | 15 |
| Average total loans | $19,880,005,400 | 52 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2816% | 5,944 |
| Cost of funding earning assets | 0.1272% | 5,640 |
| Net interest margin | 1.1544% | 5,939 |
| Noninterest income to average assets | 3.0705% | 200 |
| Noninterest expense to average assets | 2.9737% | 2,383 |
| Loan and lease loss provision to assets | 0.0046% | 4,138 |
| Net operating income to assets | 0.8561% | 3,119 |
| Return on assets (ROA) | 0.8559% | 3,246 |
| Pretax return on assets | 1.0173% | 3,568 |
| Return on Equity (ROE) | 9.8402% | 2,120 |
| Retained earnings to average equity (ytd only) | 5.8479% | 2,268 |
| Net charge-offs to loans | 0.0177% | 3,365 |
| Credit loss provision to net charge-offs | 320.5682% | 984 |
| Earnings coverage of net charge-offs (x) | 713.6451% | 128 |
| Efficiency ratio | 72.5616% | 2,488 |
| Assets per employee ($millions) | 8.2862% | 523 |
| Cash dividends to net income (ytd only)* | 40.5715% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2382% | 5,879 |
| Loan loss allowance to noncurrent loans | 3,486.2186% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,549 |
| Noncurrent loans to loans | 0.0068% | 5,388 |
| Net loans and leases to total assets | 8.5489% | 5,937 |
| Net loans and leases to deposits | 10.5346% | 5,937 |
| Net loans and leases to core deposits | 51.8113% | 5,318 |
| Total domestic deposits to total assets | 38.5774% | 5,940 |
| Equity capital to assets | 8.8152% | 5,309 |
| Core capital (leverage) ratio | 7.1406% | 5,865 |
| Tier 1 risk-based capital ratio | 16.6669% | 2,350 |
| Total risk-based capital ratio | 18.0099% | 2,265 |
| Memoranda: | ||
| Average total assets | $245,745,659,500 | 10 |
| Average earning assets | $196,998,631,750 | 10 |
| Average equity | $21,373,765,000 | 15 |
| Average total loans | $19,897,630,000 | 53 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2783% | 6,025 |
| Cost of funding earning assets | 0.1309% | 5,683 |
| Net interest margin | 1.1475% | 6,022 |
| Noninterest income to average assets | 3.0600% | 195 |
| Noninterest expense to average assets | 3.0006% | 2,342 |
| Loan and lease loss provision to assets | 0.0067% | 3,934 |
| Net operating income to assets | 0.8057% | 3,284 |
| Return on assets (ROA) | 0.8063% | 3,415 |
| Pretax return on assets | 0.9722% | 3,696 |
| Return on Equity (ROE) | 9.3141% | 2,353 |
| Retained earnings to average equity (ytd only) | 9.3141% | 768 |
| Net charge-offs to loans | 0.0254% | 2,968 |
| Credit loss provision to net charge-offs | 330.8068% | 898 |
| Earnings coverage of net charge-offs (x) | 485.8973% | 140 |
| Efficiency ratio | 73.6234% | 2,417 |
| Assets per employee ($millions) | 8.4124% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2572% | 5,954 |
| Loan loss allowance to noncurrent loans | 204,772.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,651 |
| Noncurrent loans to loans | 0.0001% | 5,520 |
| Net loans and leases to total assets | 7.9023% | 6,017 |
| Net loans and leases to deposits | 9.9305% | 6,017 |
| Net loans and leases to core deposits | 54.5417% | 5,251 |
| Total domestic deposits to total assets | 37.1751% | 6,020 |
| Equity capital to assets | 8.6789% | 5,500 |
| Core capital (leverage) ratio | 7.2093% | 5,925 |
| Tier 1 risk-based capital ratio | 15.7508% | 2,763 |
| Total risk-based capital ratio | 17.1002% | 2,650 |
| Memoranda: | ||
| Average total assets | $243,812,411,000 | 10 |
| Average earning assets | $195,219,562,000 | 10 |
| Average equity | $21,106,973,670 | 15 |
| Average total loans | $19,344,911,670 | 54 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3011% | 6,090 |
| Cost of funding earning assets | 0.1524% | 5,590 |
| Net interest margin | 1.1487% | 6,087 |
| Noninterest income to average assets | 2.9760% | 205 |
| Noninterest expense to average assets | 3.1623% | 1,924 |
| Loan and lease loss provision to assets | 0.0071% | 3,588 |
| Net operating income to assets | 0.5670% | 4,339 |
| Return on assets (ROA) | 0.5704% | 4,429 |
| Pretax return on assets | 0.7349% | 4,403 |
| Return on Equity (ROE) | 6.5972% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.5972% | 2,086 |
| Net charge-offs to loans | 0.0515% | 2,014 |
| Credit loss provision to net charge-offs | 173.5534% | 1,179 |
| Earnings coverage of net charge-offs (x) | 180.4140% | 338 |
| Efficiency ratio | 79.2348% | 1,709 |
| Assets per employee ($millions) | 8.0123% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2458% | 6,027 |
| Loan loss allowance to noncurrent loans | 89,309.4340% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 5,695 |
| Noncurrent loans to loans | 0.0003% | 5,542 |
| Net loans and leases to total assets | 8.0272% | 6,078 |
| Net loans and leases to deposits | 10.0630% | 6,077 |
| Net loans and leases to core deposits | 68.0629% | 4,398 |
| Total domestic deposits to total assets | 36.8804% | 6,083 |
| Equity capital to assets | 8.8435% | 5,305 |
| Core capital (leverage) ratio | 7.0810% | 5,989 |
| Tier 1 risk-based capital ratio | 15.7527% | 2,807 |
| Total risk-based capital ratio | 17.0859% | 2,694 |
| Memoranda: | ||
| Average total assets | $240,088,093,000 | 10 |
| Average earning assets | $193,097,943,500 | 10 |
| Average equity | $20,757,134,000 | 15 |
| Average total loans | $19,064,102,500 | 54 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1492% | 6,141 |
| Cost of funding earning assets | 0.1054% | 5,941 |
| Net interest margin | 1.0438% | 6,140 |
| Noninterest income to average assets | 2.8485% | 219 |
| Noninterest expense to average assets | 2.8089% | 3,189 |
| Loan and lease loss provision to assets | 0.0046% | 4,300 |
| Net operating income to assets | 0.7495% | 3,575 |
| Return on assets (ROA) | 0.7476% | 3,681 |
| Pretax return on assets | 0.8908% | 3,875 |
| Return on Equity (ROE) | 9.7175% | 2,123 |
| Retained earnings to average equity (ytd only) | 6.8296% | 1,361 |
| Net charge-offs to loans | 0.0203% | 3,858 |
| Credit loss provision to net charge-offs | 321.6302% | 927 |
| Earnings coverage of net charge-offs (x) | 623.9683% | 104 |
| Efficiency ratio | 74.0045% | 2,577 |
| Assets per employee ($millions) | 8.0876% | 539 |
| Cash dividends to net income (ytd only)* | 29.7190% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2412% | 6,080 |
| Loan loss allowance to noncurrent loans | 87,555.7692% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 5,749 |
| Noncurrent loans to loans | 0.0003% | 5,582 |
| Net loans and leases to total assets | 7.8157% | 6,138 |
| Net loans and leases to deposits | 9.4961% | 6,139 |
| Net loans and leases to core deposits | 35.8598% | 5,923 |
| Total domestic deposits to total assets | 41.0644% | 6,139 |
| Equity capital to assets | 8.4491% | 5,604 |
| Core capital (leverage) ratio | 6.7387% | 6,074 |
| Tier 1 risk-based capital ratio | 15.4278% | 2,968 |
| Total risk-based capital ratio | 16.8807% | 2,804 |
| Memoranda: | ||
| Average total assets | $263,486,383,400 | 8 |
| Average earning assets | $216,643,153,600 | 9 |
| Average equity | $20,270,362,200 | 15 |
| Average total loans | $18,647,135,200 | 53 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1351% | 6,237 |
| Cost of funding earning assets | 0.1001% | 6,058 |
| Net interest margin | 1.0350% | 6,235 |
| Noninterest income to average assets | 2.8171% | 229 |
| Noninterest expense to average assets | 2.7848% | 3,252 |
| Loan and lease loss provision to assets | 0.0057% | 4,153 |
| Net operating income to assets | 0.7305% | 3,763 |
| Return on assets (ROA) | 0.7281% | 3,882 |
| Pretax return on assets | 0.8760% | 4,065 |
| Return on Equity (ROE) | 9.6773% | 2,233 |
| Retained earnings to average equity (ytd only) | 9.6773% | 697 |
| Net charge-offs to loans | 0.0012% | 4,143 |
| Credit loss provision to net charge-offs | 6,655.8140% | 59 |
| Earnings coverage of net charge-offs (x) | 10,380.3972% | 4 |
| Efficiency ratio | 74.1359% | 2,532 |
| Assets per employee ($millions) | 8.2682% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2530% | 6,164 |
| Loan loss allowance to noncurrent loans | 130,818.9189% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 5,839 |
| Noncurrent loans to loans | 0.0002% | 5,683 |
| Net loans and leases to total assets | 7.8710% | 6,225 |
| Net loans and leases to deposits | 9.8406% | 6,226 |
| Net loans and leases to core deposits | 44.3557% | 5,782 |
| Total domestic deposits to total assets | 38.3346% | 6,227 |
| Equity capital to assets | 8.6159% | 5,634 |
| Core capital (leverage) ratio | 6.2685% | 6,186 |
| Tier 1 risk-based capital ratio | 14.9358% | 3,326 |
| Total risk-based capital ratio | 16.4482% | 3,126 |
| Memoranda: | ||
| Average total assets | $269,133,392,250 | 8 |
| Average earning assets | $221,618,291,750 | 9 |
| Average equity | $20,249,494,000 | 15 |
| Average total loans | $18,590,544,250 | 53 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1011% | 6,315 |
| Cost of funding earning assets | 0.0928% | 6,159 |
| Net interest margin | 1.0084% | 6,311 |
| Noninterest income to average assets | 2.6682% | 250 |
| Noninterest expense to average assets | 2.7126% | 3,552 |
| Loan and lease loss provision to assets | 0.0043% | 4,004 |
| Net operating income to assets | 0.6374% | 4,184 |
| Return on assets (ROA) | 0.6347% | 4,307 |
| Pretax return on assets | 0.7855% | 4,365 |
| Return on Equity (ROE) | 8.8076% | 2,649 |
| Retained earnings to average equity (ytd only) | 8.8076% | 986 |
| Net charge-offs to loans | 0.0002% | 3,891 |
| Credit loss provision to net charge-offs | 31,236.8421% | 10 |
| Earnings coverage of net charge-offs (x) | 58,030.8947% | 2 |
| Efficiency ratio | 75.5861% | 2,437 |
| Assets per employee ($millions) | 10.1371% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2310% | 6,239 |
| Loan loss allowance to noncurrent loans | 239,127.7778% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 5,806 |
| Noncurrent loans to loans | 0.0001% | 5,786 |
| Net loans and leases to total assets | 6.4226% | 6,302 |
| Net loans and leases to deposits | 7.8335% | 6,305 |
| Net loans and leases to core deposits | 29.8285% | 6,154 |
| Total domestic deposits to total assets | 41.0040% | 6,297 |
| Equity capital to assets | 7.0262% | 6,189 |
| Core capital (leverage) ratio | 5.7417% | 6,277 |
| Tier 1 risk-based capital ratio | 13.8491% | 4,008 |
| Total risk-based capital ratio | 15.2357% | 3,872 |
| Memoranda: | ||
| Average total assets | $278,041,842,000 | 8 |
| Average earning assets | $230,941,596,000 | 8 |
| Average equity | $20,037,479,670 | 15 |
| Average total loans | $18,411,305,000 | 52 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1374% | 6,387 |
| Cost of funding earning assets | 0.0983% | 6,214 |
| Net interest margin | 1.0391% | 6,382 |
| Noninterest income to average assets | 2.7318% | 241 |
| Noninterest expense to average assets | 2.9114% | 2,870 |
| Loan and lease loss provision to assets | 0.0063% | 3,629 |
| Net operating income to assets | 0.5654% | 4,424 |
| Return on assets (ROA) | 0.5643% | 4,531 |
| Pretax return on assets | 0.6754% | 4,672 |
| Return on Equity (ROE) | 7.7273% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.7273% | 1,673 |
| Net charge-offs to loans | 0.0004% | 3,285 |
| Credit loss provision to net charge-offs | 22,500.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 24,475.5263% | 1 |
| Efficiency ratio | 79.1994% | 2,000 |
| Assets per employee ($millions) | 9.8147% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2254% | 6,315 |
| Loan loss allowance to noncurrent loans | 108,902.6316% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 5,851 |
| Noncurrent loans to loans | 0.0002% | 5,829 |
| Net loans and leases to total assets | 6.6634% | 6,373 |
| Net loans and leases to deposits | 8.4320% | 6,373 |
| Net loans and leases to core deposits | 34.6708% | 6,131 |
| Total domestic deposits to total assets | 38.5770% | 6,373 |
| Equity capital to assets | 7.2329% | 6,233 |
| Core capital (leverage) ratio | 5.6124% | 6,343 |
| Tier 1 risk-based capital ratio | 12.1236% | 5,164 |
| Total risk-based capital ratio | 13.3888% | 5,063 |
| Memoranda: | ||
| Average total assets | $272,350,113,500 | 8 |
| Average earning assets | $226,084,184,000 | 8 |
| Average equity | $19,888,392,000 | 15 |
| Average total loans | $18,301,099,000 | 52 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2190% | 6,464 |
| Cost of funding earning assets | 0.1178% | 6,258 |
| Net interest margin | 1.1012% | 6,458 |
| Noninterest income to average assets | 2.7554% | 212 |
| Noninterest expense to average assets | 2.8033% | 3,469 |
| Loan and lease loss provision to assets | 0.0037% | 4,531 |
| Net operating income to assets | 0.7231% | 3,780 |
| Return on assets (ROA) | 0.7243% | 3,878 |
| Pretax return on assets | 0.8759% | 3,977 |
| Return on Equity (ROE) | 9.4026% | 2,389 |
| Retained earnings to average equity (ytd only) | 2.1164% | 4,720 |
| Net charge-offs to loans | 0.0025% | 4,919 |
| Credit loss provision to net charge-offs | 2,312.6794% | 139 |
| Earnings coverage of net charge-offs (x) | 5,502.5861% | 2 |
| Efficiency ratio | 74.1577% | 2,807 |
| Assets per employee ($millions) | 9.7949% | 271 |
| Cash dividends to net income (ytd only)* | 77.4914% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2035% | 6,415 |
| Loan loss allowance to noncurrent loans | 109,197.0588% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 5,950 |
| Noncurrent loans to loans | 0.0002% | 5,949 |
| Net loans and leases to total assets | 6.7480% | 6,460 |
| Net loans and leases to deposits | 8.4361% | 6,462 |
| Net loans and leases to core deposits | 35.5474% | 6,209 |
| Total domestic deposits to total assets | 39.6531% | 6,461 |
| Equity capital to assets | 7.3927% | 6,258 |
| Core capital (leverage) ratio | 5.7875% | 6,421 |
| Tier 1 risk-based capital ratio | 14.0488% | 4,053 |
| Total risk-based capital ratio | 15.6770% | 3,754 |
| Memoranda: | ||
| Average total assets | $261,916,148,600 | 8 |
| Average earning assets | $220,255,745,000 | 8 |
| Average equity | $20,175,164,800 | 14 |
| Average total loans | $16,648,566,800 | 51 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2249% | 6,552 |
| Cost of funding earning assets | 0.1200% | 6,334 |
| Net interest margin | 1.1049% | 6,546 |
| Noninterest income to average assets | 2.7505% | 216 |
| Noninterest expense to average assets | 2.8001% | 3,457 |
| Loan and lease loss provision to assets | 0.0032% | 4,345 |
| Net operating income to assets | 0.7215% | 3,831 |
| Return on assets (ROA) | 0.7230% | 3,926 |
| Pretax return on assets | 0.8787% | 4,081 |
| Return on Equity (ROE) | 9.2888% | 2,547 |
| Retained earnings to average equity (ytd only) | 2.8703% | 4,558 |
| Net charge-offs to loans | 0.0034% | 4,584 |
| Credit loss provision to net charge-offs | 1,481.1005% | 246 |
| Earnings coverage of net charge-offs (x) | 4,104.7970% | 8 |
| Efficiency ratio | 74.0568% | 2,813 |
| Assets per employee ($millions) | 9.9614% | 245 |
| Cash dividends to net income (ytd only)* | 69.0988% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1824% | 6,500 |
| Loan loss allowance to noncurrent loans | 88,555.2632% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 6,079 |
| Noncurrent loans to loans | 0.0002% | 6,060 |
| Net loans and leases to total assets | 6.8096% | 6,542 |
| Net loans and leases to deposits | 8.6441% | 6,543 |
| Net loans and leases to core deposits | 21.2014% | 6,479 |
| Total domestic deposits to total assets | 35.0290% | 6,546 |
| Equity capital to assets | 7.5006% | 6,302 |
| Core capital (leverage) ratio | 6.0572% | 6,478 |
| Tier 1 risk-based capital ratio | 14.3377% | 3,996 |
| Total risk-based capital ratio | 16.0944% | 3,616 |
| Memoranda: | ||
| Average total assets | $259,949,900,000 | 8 |
| Average earning assets | $218,715,010,250 | 8 |
| Average equity | $20,232,926,750 | 14 |
| Average total loans | $16,250,220,000 | 53 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2292% | 6,615 |
| Cost of funding earning assets | 0.1221% | 6,403 |
| Net interest margin | 1.1071% | 6,609 |
| Noninterest income to average assets | 2.7661% | 209 |
| Noninterest expense to average assets | 2.8460% | 3,348 |
| Loan and lease loss provision to assets | 0.0031% | 4,152 |
| Net operating income to assets | 0.7099% | 3,784 |
| Return on assets (ROA) | 0.7124% | 3,866 |
| Pretax return on assets | 0.8578% | 4,049 |
| Return on Equity (ROE) | 9.0372% | 2,575 |
| Retained earnings to average equity (ytd only) | 5.0901% | 2,904 |
| Net charge-offs to loans | 0.0054% | 4,198 |
| Credit loss provision to net charge-offs | 965.3110% | 343 |
| Earnings coverage of net charge-offs (x) | 2,632.1938% | 13 |
| Efficiency ratio | 74.7809% | 2,843 |
| Assets per employee ($millions) | 10.3049% | 211 |
| Cash dividends to net income (ytd only)* | 43.6761% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1869% | 6,570 |
| Loan loss allowance to noncurrent loans | 85,121.6216% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 6,159 |
| Noncurrent loans to loans | 0.0002% | 6,119 |
| Net loans and leases to total assets | 6.0516% | 6,612 |
| Net loans and leases to deposits | 7.5207% | 6,612 |
| Net loans and leases to core deposits | 17.7752% | 6,567 |
| Total domestic deposits to total assets | 37.6836% | 6,609 |
| Equity capital to assets | 7.5113% | 6,345 |
| Core capital (leverage) ratio | 6.5909% | 6,489 |
| Tier 1 risk-based capital ratio | 14.2475% | 4,102 |
| Total risk-based capital ratio | 15.9403% | 3,766 |
| Memoranda: | ||
| Average total assets | $256,475,755,670 | 8 |
| Average earning assets | $217,281,469,000 | 8 |
| Average equity | $20,217,359,330 | 13 |
| Average total loans | $15,518,677,000 | 54 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2849% | 6,689 |
| Cost of funding earning assets | 0.1327% | 6,434 |
| Net interest margin | 1.1523% | 6,686 |
| Noninterest income to average assets | 2.7742% | 206 |
| Noninterest expense to average assets | 3.0441% | 2,717 |
| Loan and lease loss provision to assets | 0.0035% | 3,777 |
| Net operating income to assets | 0.5630% | 4,396 |
| Return on assets (ROA) | 0.5708% | 4,423 |
| Pretax return on assets | 0.7110% | 4,456 |
| Return on Equity (ROE) | 7.0531% | 3,450 |
| Retained earnings to average equity (ytd only) | -0.9711% | 5,721 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0823% | 2,325 |
| Assets per employee ($millions) | 9.3364% | 308 |
| Cash dividends to net income (ytd only)* | 113.7679% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1857% | 6,642 |
| Loan loss allowance to noncurrent loans | 85,762.8571% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 6,226 |
| Noncurrent loans to loans | 0.0002% | 6,209 |
| Net loans and leases to total assets | 6.3908% | 6,681 |
| Net loans and leases to deposits | 8.0576% | 6,683 |
| Net loans and leases to core deposits | 17.3311% | 6,638 |
| Total domestic deposits to total assets | 36.8749% | 6,681 |
| Equity capital to assets | 7.9306% | 6,097 |
| Core capital (leverage) ratio | 6.8757% | 6,494 |
| Tier 1 risk-based capital ratio | 17.3401% | 2,539 |
| Total risk-based capital ratio | 19.5531% | 2,139 |
| Memoranda: | ||
| Average total assets | $245,772,233,000 | 8 |
| Average earning assets | $207,909,516,500 | 8 |
| Average equity | $19,889,798,500 | 14 |
| Average total loans | $14,854,081,500 | 56 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4789% | 6,747 |
| Cost of funding earning assets | 0.1539% | 6,521 |
| Net interest margin | 1.3251% | 6,740 |
| Noninterest income to average assets | 3.0077% | 230 |
| Noninterest expense to average assets | 3.0224% | 2,990 |
| Loan and lease loss provision to assets | 0.0026% | 5,056 |
| Net operating income to assets | 0.8745% | 2,909 |
| Return on assets (ROA) | 0.8714% | 3,007 |
| Pretax return on assets | 1.0873% | 2,997 |
| Return on Equity (ROE) | 9.9126% | 2,152 |
| Retained earnings to average equity (ytd only) | 1.2142% | 5,284 |
| Net charge-offs to loans | -0.0043% | 5,913 |
| Credit loss provision to net charge-offs | -904.4800% | 6,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3134% | 3,607 |
| Assets per employee ($millions) | 8.8603% | 345 |
| Cash dividends to net income (ytd only)* | 87.7513% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2059% | 6,711 |
| Loan loss allowance to noncurrent loans | 87,118.7500% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 6,324 |
| Noncurrent loans to loans | 0.0002% | 6,318 |
| Net loans and leases to total assets | 5.6531% | 6,763 |
| Net loans and leases to deposits | 7.2143% | 6,764 |
| Net loans and leases to core deposits | 16.3243% | 6,729 |
| Total domestic deposits to total assets | 34.6300% | 6,762 |
| Equity capital to assets | 8.2641% | 5,812 |
| Core capital (leverage) ratio | 6.3811% | 6,611 |
| Tier 1 risk-based capital ratio | 16.4183% | 2,895 |
| Total risk-based capital ratio | 18.9762% | 2,313 |
| Memoranda: | ||
| Average total assets | $221,543,770,800 | 9 |
| Average earning assets | $185,325,536,800 | 9 |
| Average equity | $19,474,862,600 | 13 |
| Average total loans | $14,419,737,800 | 56 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5021% | 6,829 |
| Cost of funding earning assets | 0.1590% | 6,604 |
| Net interest margin | 1.3430% | 6,824 |
| Noninterest income to average assets | 3.0567% | 230 |
| Noninterest expense to average assets | 3.0582% | 2,794 |
| Loan and lease loss provision to assets | -0.0004% | 6,438 |
| Net operating income to assets | 0.8657% | 3,011 |
| Return on assets (ROA) | 0.8614% | 3,155 |
| Pretax return on assets | 1.1158% | 3,043 |
| Return on Equity (ROE) | 9.6399% | 2,330 |
| Retained earnings to average equity (ytd only) | 1.3740% | 5,433 |
| Net charge-offs to loans | -0.0057% | 5,796 |
| Credit loss provision to net charge-offs | 100.6400% | 2,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0622% | 3,597 |
| Assets per employee ($millions) | 7.9341% | 476 |
| Cash dividends to net income (ytd only)* | 85.7462% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1381% | 6,809 |
| Loan loss allowance to noncurrent loans | 69,664.5161% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 6,397 |
| Noncurrent loans to loans | 0.0002% | 6,404 |
| Net loans and leases to total assets | 7.3419% | 6,842 |
| Net loans and leases to deposits | 9.8959% | 6,840 |
| Net loans and leases to core deposits | 28.7722% | 6,693 |
| Total domestic deposits to total assets | 25.5172% | 6,854 |
| Equity capital to assets | 9.1645% | 4,981 |
| Core capital (leverage) ratio | 6.5387% | 6,662 |
| Tier 1 risk-based capital ratio | 16.0622% | 3,161 |
| Total risk-based capital ratio | 18.7722% | 2,470 |
| Memoranda: | ||
| Average total assets | $217,166,937,000 | 9 |
| Average earning assets | $181,511,950,750 | 10 |
| Average equity | $19,404,745,500 | 13 |
| Average total loans | $14,639,246,500 | 56 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5200% | 6,879 |
| Cost of funding earning assets | 0.1608% | 6,667 |
| Net interest margin | 1.3592% | 6,868 |
| Noninterest income to average assets | 3.0258% | 250 |
| Noninterest expense to average assets | 3.0795% | 2,727 |
| Loan and lease loss provision to assets | -0.0006% | 6,555 |
| Net operating income to assets | 0.8377% | 3,109 |
| Return on assets (ROA) | 0.8341% | 3,280 |
| Pretax return on assets | 1.0807% | 3,169 |
| Return on Equity (ROE) | 9.4128% | 2,453 |
| Retained earnings to average equity (ytd only) | 0.3499% | 5,756 |
| Net charge-offs to loans | -0.0087% | 5,743 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8495% | 3,498 |
| Assets per employee ($millions) | 8.3296% | 409 |
| Cash dividends to net income (ytd only)* | 96.2825% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1310% | 6,857 |
| Loan loss allowance to noncurrent loans | 93,913.0435% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 6,457 |
| Noncurrent loans to loans | 0.0001% | 6,468 |
| Net loans and leases to total assets | 7.3788% | 6,887 |
| Net loans and leases to deposits | 9.6640% | 6,890 |
| Net loans and leases to core deposits | 27.2751% | 6,762 |
| Total domestic deposits to total assets | 27.1222% | 6,902 |
| Equity capital to assets | 8.4770% | 5,787 |
| Core capital (leverage) ratio | 6.1388% | 6,742 |
| Tier 1 risk-based capital ratio | 15.0287% | 3,762 |
| Total risk-based capital ratio | 17.6555% | 2,941 |
| Memoranda: | ||
| Average total assets | $218,659,579,330 | 9 |
| Average earning assets | $183,165,445,670 | 9 |
| Average equity | $19,375,695,670 | 13 |
| Average total loans | $14,306,679,670 | 57 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4948% | 6,966 |
| Cost of funding earning assets | 0.1589% | 6,772 |
| Net interest margin | 1.3359% | 6,951 |
| Noninterest income to average assets | 2.9317% | 261 |
| Noninterest expense to average assets | 3.1358% | 2,558 |
| Loan and lease loss provision to assets | -0.0010% | 6,711 |
| Net operating income to assets | 0.7032% | 3,670 |
| Return on assets (ROA) | 0.7063% | 3,796 |
| Pretax return on assets | 0.9358% | 3,635 |
| Return on Equity (ROE) | 7.7962% | 3,078 |
| Retained earnings to average equity (ytd only) | -2.3251% | 6,114 |
| Net charge-offs to loans | -0.0166% | 5,633 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9336% | 3,107 |
| Assets per employee ($millions) | 7.9123% | 506 |
| Cash dividends to net income (ytd only)* | 129.8239% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1537% | 6,925 |
| Loan loss allowance to noncurrent loans | 93,913.0435% | 3 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 6,533 |
| Noncurrent loans to loans | 0.0002% | 6,534 |
| Net loans and leases to total assets | 6.5526% | 6,966 |
| Net loans and leases to deposits | 8.8091% | 6,968 |
| Net loans and leases to core deposits | 27.3826% | 6,818 |
| Total domestic deposits to total assets | 26.0993% | 6,979 |
| Equity capital to assets | 9.1191% | 5,347 |
| Core capital (leverage) ratio | 6.0524% | 6,799 |
| Tier 1 risk-based capital ratio | 16.0993% | 3,208 |
| Total risk-based capital ratio | 17.5664% | 3,050 |
| Memoranda: | ||
| Average total assets | $216,377,100,500 | 9 |
| Average earning assets | $183,810,209,000 | 9 |
| Average equity | $19,602,215,500 | 13 |
| Average total loans | $13,213,541,000 | 60 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7361% | 7,009 |
| Cost of funding earning assets | 0.1822% | 6,869 |
| Net interest margin | 1.5538% | 6,991 |
| Noninterest income to average assets | 3.2129% | 231 |
| Noninterest expense to average assets | 3.2978% | 2,343 |
| Loan and lease loss provision to assets | -0.0016% | 6,808 |
| Net operating income to assets | 0.9554% | 2,518 |
| Return on assets (ROA) | 0.9626% | 2,726 |
| Pretax return on assets | 1.2585% | 2,577 |
| Return on Equity (ROE) | 10.2158% | 2,083 |
| Retained earnings to average equity (ytd only) | 0.8606% | 5,437 |
| Net charge-offs to loans | -0.0217% | 6,564 |
| Credit loss provision to net charge-offs | 119.3173% | 2,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5987% | 3,692 |
| Assets per employee ($millions) | 8.0326% | 495 |
| Cash dividends to net income (ytd only)* | 91.5761% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1745% | 6,971 |
| Loan loss allowance to noncurrent loans | 93,913.0435% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 6,587 |
| Noncurrent loans to loans | 0.0002% | 6,598 |
| Net loans and leases to total assets | 5.6503% | 7,026 |
| Net loans and leases to deposits | 7.3299% | 7,029 |
| Net loans and leases to core deposits | 23.0415% | 6,949 |
| Total domestic deposits to total assets | 30.7924% | 7,039 |
| Equity capital to assets | 9.0007% | 5,520 |
| Core capital (leverage) ratio | 6.3464% | 6,818 |
| Tier 1 risk-based capital ratio | 17.3202% | 2,517 |
| Total risk-based capital ratio | 19.1351% | 2,269 |
| Memoranda: | ||
| Average total assets | $202,511,222,600 | 9 |
| Average earning assets | $173,655,238,200 | 10 |
| Average equity | $19,081,226,400 | 14 |
| Average total loans | $12,283,939,000 | 62 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7906% | 7,118 |
| Cost of funding earning assets | 0.1886% | 6,967 |
| Net interest margin | 1.6020% | 7,101 |
| Noninterest income to average assets | 3.3352% | 221 |
| Noninterest expense to average assets | 3.3513% | 2,127 |
| Loan and lease loss provision to assets | -0.0004% | 6,935 |
| Net operating income to assets | 0.9757% | 2,633 |
| Return on assets (ROA) | 0.9763% | 2,853 |
| Pretax return on assets | 1.3564% | 2,388 |
| Return on Equity (ROE) | 10.2352% | 2,236 |
| Retained earnings to average equity (ytd only) | 1.9987% | 5,323 |
| Net charge-offs to loans | -0.0014% | 6,191 |
| Credit loss provision to net charge-offs | 512.0000% | 522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3098% | 3,811 |
| Assets per employee ($millions) | 7.3713% | 624 |
| Cash dividends to net income (ytd only)* | 80.4726% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1530% | 7,089 |
| Loan loss allowance to noncurrent loans | 430.6220% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 6,662 |
| Noncurrent loans to loans | 0.0355% | 6,529 |
| Net loans and leases to total assets | 7.0254% | 7,127 |
| Net loans and leases to deposits | 9.3202% | 7,131 |
| Net loans and leases to core deposits | 32.2658% | 6,929 |
| Total domestic deposits to total assets | 25.9119% | 7,144 |
| Equity capital to assets | 9.7698% | 4,819 |
| Core capital (leverage) ratio | 6.8195% | 6,830 |
| Tier 1 risk-based capital ratio | 18.0386% | 2,320 |
| Total risk-based capital ratio | 19.9051% | 2,086 |
| Memoranda: | ||
| Average total assets | $198,475,273,500 | 9 |
| Average earning assets | $169,889,141,750 | 9 |
| Average equity | $18,931,402,250 | 14 |
| Average total loans | $12,260,835,000 | 63 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8214% | 7,188 |
| Cost of funding earning assets | 0.1928% | 7,042 |
| Net interest margin | 1.6286% | 7,169 |
| Noninterest income to average assets | 3.1470% | 231 |
| Noninterest expense to average assets | 3.3792% | 2,080 |
| Loan and lease loss provision to assets | -0.0006% | 7,012 |
| Net operating income to assets | 0.8599% | 3,091 |
| Return on assets (ROA) | 0.8471% | 3,429 |
| Pretax return on assets | 1.1525% | 3,111 |
| Return on Equity (ROE) | 8.9549% | 2,834 |
| Retained earnings to average equity (ytd only) | 1.1024% | 5,631 |
| Net charge-offs to loans | -0.0021% | 6,093 |
| Credit loss provision to net charge-offs | 512.0000% | 587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3075% | 3,374 |
| Assets per employee ($millions) | 7.2094% | 661 |
| Cash dividends to net income (ytd only)* | 87.6899% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1737% | 7,155 |
| Loan loss allowance to noncurrent loans | 430.7079% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 6,729 |
| Noncurrent loans to loans | 0.0403% | 6,578 |
| Net loans and leases to total assets | 6.3027% | 7,194 |
| Net loans and leases to deposits | 8.3854% | 7,199 |
| Net loans and leases to core deposits | 28.9189% | 7,042 |
| Total domestic deposits to total assets | 26.4827% | 7,211 |
| Equity capital to assets | 9.5062% | 5,049 |
| Core capital (leverage) ratio | 6.8799% | 6,851 |
| Tier 1 risk-based capital ratio | 18.0779% | 2,269 |
| Total risk-based capital ratio | 19.9960% | 2,015 |
| Memoranda: | ||
| Average total assets | $197,749,115,330 | 9 |
| Average earning assets | $170,150,708,000 | 9 |
| Average equity | $18,707,401,000 | 14 |
| Average total loans | $11,641,650,000 | 66 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7749% | 7,250 |
| Cost of funding earning assets | 0.2095% | 7,091 |
| Net interest margin | 1.5654% | 7,232 |
| Noninterest income to average assets | 3.1685% | 223 |
| Noninterest expense to average assets | 3.4259% | 1,944 |
| Loan and lease loss provision to assets | 0.0006% | 5,251 |
| Net operating income to assets | 0.7964% | 3,393 |
| Return on assets (ROA) | 0.8117% | 3,558 |
| Pretax return on assets | 1.1261% | 3,213 |
| Return on Equity (ROE) | 8.6014% | 2,999 |
| Retained earnings to average equity (ytd only) | 1.4889% | 5,496 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5734% | 3,164 |
| Assets per employee ($millions) | 6.6660% | 892 |
| Cash dividends to net income (ytd only)* | 82.6903% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1816% | 7,207 |
| Loan loss allowance to noncurrent loans | 449.5091% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 6,800 |
| Noncurrent loans to loans | 0.0404% | 6,655 |
| Net loans and leases to total assets | 6.7023% | 7,252 |
| Net loans and leases to deposits | 9.0402% | 7,255 |
| Net loans and leases to core deposits | 32.6456% | 7,021 |
| Total domestic deposits to total assets | 21.5480% | 7,277 |
| Equity capital to assets | 10.2744% | 3,758 |
| Core capital (leverage) ratio | 6.9817% | 6,844 |
| Tier 1 risk-based capital ratio | 17.3345% | 2,535 |
| Total risk-based capital ratio | 19.1623% | 2,299 |
| Memoranda: | ||
| Average total assets | $198,143,573,000 | 9 |
| Average earning assets | $172,508,030,000 | 9 |
| Average equity | $18,699,417,500 | 14 |
| Average total loans | $11,244,754,000 | 69 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9139% | 7,294 |
| Cost of funding earning assets | 0.2671% | 7,157 |
| Net interest margin | 1.6468% | 7,277 |
| Noninterest income to average assets | 3.4019% | 182 |
| Noninterest expense to average assets | 3.5042% | 1,969 |
| Loan and lease loss provision to assets | 0.0005% | 6,495 |
| Net operating income to assets | 0.9335% | 2,470 |
| Return on assets (ROA) | 0.9600% | 2,493 |
| Pretax return on assets | 1.3060% | 2,107 |
| Return on Equity (ROE) | 9.8863% | 2,096 |
| Retained earnings to average equity (ytd only) | 9.8863% | 591 |
| Net charge-offs to loans | 0.6498% | 2,523 |
| Credit loss provision to net charge-offs | 1.1666% | 6,062 |
| Earnings coverage of net charge-offs (x) | 30.1891% | 839 |
| Efficiency ratio | 71.3722% | 3,718 |
| Assets per employee ($millions) | 7.7133% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2182% | 7,252 |
| Loan loss allowance to noncurrent loans | 457.3940% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 6,874 |
| Noncurrent loans to loans | 0.0477% | 6,707 |
| Net loans and leases to total assets | 4.7638% | 7,307 |
| Net loans and leases to deposits | 6.2150% | 7,312 |
| Net loans and leases to core deposits | 16.8622% | 7,268 |
| Total domestic deposits to total assets | 31.2393% | 7,314 |
| Equity capital to assets | 8.7118% | 5,883 |
| Core capital (leverage) ratio | 6.6764% | 6,944 |
| Tier 1 risk-based capital ratio | 17.6186% | 2,340 |
| Total risk-based capital ratio | 19.6121% | 2,054 |
| Memoranda: | ||
| Average total assets | $184,690,533,000 | 9 |
| Average earning assets | $153,993,363,000 | 11 |
| Average equity | $17,933,457,200 | 14 |
| Average total loans | $11,965,284,200 | 63 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9893% | 7,368 |
| Cost of funding earning assets | 0.2780% | 7,246 |
| Net interest margin | 1.7114% | 7,348 |
| Noninterest income to average assets | 3.5838% | 178 |
| Noninterest expense to average assets | 3.6229% | 1,664 |
| Loan and lease loss provision to assets | 0.0008% | 6,389 |
| Net operating income to assets | 1.0662% | 2,084 |
| Return on assets (ROA) | 1.0802% | 2,187 |
| Pretax return on assets | 1.3858% | 1,983 |
| Return on Equity (ROE) | 10.7937% | 1,932 |
| Retained earnings to average equity (ytd only) | 10.7937% | 666 |
| Net charge-offs to loans | 0.8354% | 1,905 |
| Credit loss provision to net charge-offs | 1.4004% | 5,729 |
| Earnings coverage of net charge-offs (x) | 23.4477% | 1,115 |
| Efficiency ratio | 70.5807% | 3,839 |
| Assets per employee ($millions) | 7.4226% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1878% | 7,334 |
| Loan loss allowance to noncurrent loans | 39.1765% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 6,954 |
| Noncurrent loans to loans | 0.4794% | 5,890 |
| Net loans and leases to total assets | 5.8004% | 7,381 |
| Net loans and leases to deposits | 8.3577% | 7,381 |
| Net loans and leases to core deposits | 32.2202% | 7,197 |
| Total domestic deposits to total assets | 21.7171% | 7,396 |
| Equity capital to assets | 9.0994% | 5,641 |
| Core capital (leverage) ratio | 7.1147% | 6,923 |
| Tier 1 risk-based capital ratio | 16.4613% | 2,883 |
| Total risk-based capital ratio | 18.4032% | 2,547 |
| Memoranda: | ||
| Average total assets | $177,789,930,750 | 11 |
| Average earning assets | $146,253,932,750 | 11 |
| Average equity | $17,793,205,500 | 14 |
| Average total loans | $12,422,795,250 | 63 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0613% | 7,444 |
| Cost of funding earning assets | 0.2931% | 7,317 |
| Net interest margin | 1.7682% | 7,411 |
| Noninterest income to average assets | 3.7761% | 181 |
| Noninterest expense to average assets | 3.7710% | 1,396 |
| Loan and lease loss provision to assets | 0.0016% | 6,210 |
| Net operating income to assets | 1.0621% | 1,993 |
| Return on assets (ROA) | 1.0788% | 2,038 |
| Pretax return on assets | 1.5001% | 1,532 |
| Return on Equity (ROE) | 10.4008% | 1,986 |
| Retained earnings to average equity (ytd only) | 10.4008% | 768 |
| Net charge-offs to loans | 0.7278% | 2,053 |
| Credit loss provision to net charge-offs | 2.9327% | 5,313 |
| Earnings coverage of net charge-offs (x) | 27.2360% | 996 |
| Efficiency ratio | 69.8414% | 4,145 |
| Assets per employee ($millions) | 6.8216% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4176% | 7,284 |
| Loan loss allowance to noncurrent loans | 62.2956% | 4,332 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 6,950 |
| Noncurrent loans to loans | 0.6703% | 5,566 |
| Net loans and leases to total assets | 6.9901% | 7,454 |
| Net loans and leases to deposits | 9.8108% | 7,454 |
| Net loans and leases to core deposits | 46.2727% | 6,921 |
| Total domestic deposits to total assets | 15.4254% | 7,475 |
| Equity capital to assets | 9.9231% | 4,250 |
| Core capital (leverage) ratio | 7.7018% | 6,585 |
| Tier 1 risk-based capital ratio | 17.1542% | 2,459 |
| Total risk-based capital ratio | 19.2839% | 2,120 |
| Memoranda: | ||
| Average total assets | $169,223,202,670 | 11 |
| Average earning assets | $141,009,917,670 | 12 |
| Average equity | $17,552,146,670 | 15 |
| Average total loans | $12,621,900,000 | 64 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1771% | 7,500 |
| Cost of funding earning assets | 0.3332% | 7,347 |
| Net interest margin | 1.8439% | 7,446 |
| Noninterest income to average assets | 3.8639% | 171 |
| Noninterest expense to average assets | 3.8878% | 1,190 |
| Loan and lease loss provision to assets | -0.0002% | 7,432 |
| Net operating income to assets | 1.0886% | 1,880 |
| Return on assets (ROA) | 1.0765% | 1,970 |
| Pretax return on assets | 1.5034% | 1,438 |
| Return on Equity (ROE) | 10.1258% | 2,053 |
| Retained earnings to average equity (ytd only) | 10.1258% | 1,096 |
| Net charge-offs to loans | 0.6210% | 1,958 |
| Credit loss provision to net charge-offs | -0.3940% | 5,566 |
| Earnings coverage of net charge-offs (x) | 31.7386% | 803 |
| Efficiency ratio | 69.8873% | 4,300 |
| Assets per employee ($millions) | 6.2194% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6210% | 7,181 |
| Loan loss allowance to noncurrent loans | 85.9460% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 6,988 |
| Noncurrent loans to loans | 0.7225% | 5,566 |
| Net loans and leases to total assets | 7.6435% | 7,510 |
| Net loans and leases to deposits | 11.1013% | 7,515 |
| Net loans and leases to core deposits | 53.4482% | 6,592 |
| Total domestic deposits to total assets | 15.6163% | 7,539 |
| Equity capital to assets | 10.5329% | 3,147 |
| Core capital (leverage) ratio | 7.6080% | 6,648 |
| Tier 1 risk-based capital ratio | 17.4141% | 2,339 |
| Total risk-based capital ratio | 19.7121% | 1,924 |
| Memoranda: | ||
| Average total assets | $161,085,119,500 | 12 |
| Average earning assets | $134,873,676,500 | 12 |
| Average equity | $17,124,545,000 | 16 |
| Average total loans | $12,422,385,000 | 63 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5918% | 7,539 |
| Cost of funding earning assets | 0.4334% | 7,396 |
| Net interest margin | 2.1584% | 7,408 |
| Noninterest income to average assets | 3.7777% | 176 |
| Noninterest expense to average assets | 3.8439% | 1,408 |
| Loan and lease loss provision to assets | 0.0155% | 6,950 |
| Net operating income to assets | 1.3400% | 1,081 |
| Return on assets (ROA) | 1.2012% | 1,489 |
| Pretax return on assets | 1.5743% | 1,194 |
| Return on Equity (ROE) | 11.6217% | 1,415 |
| Retained earnings to average equity (ytd only) | 2.9857% | 3,758 |
| Net charge-offs to loans | 0.0364% | 6,436 |
| Credit loss provision to net charge-offs | 546.0243% | 413 |
| Earnings coverage of net charge-offs (x) | 624.4537% | 32 |
| Efficiency ratio | 66.6853% | 4,821 |
| Assets per employee ($millions) | 5.8527% | 1,313 |
| Cash dividends to net income (ytd only)* | 74.3097% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 6,926 |
| Loan loss allowance to noncurrent loans | 73.9099% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 7,020 |
| Noncurrent loans to loans | 1.1131% | 4,880 |
| Net loans and leases to total assets | 7.6700% | 7,590 |
| Net loans and leases to deposits | 11.4871% | 7,595 |
| Net loans and leases to core deposits | 67.5676% | 5,702 |
| Total domestic deposits to total assets | 15.7385% | 7,616 |
| Equity capital to assets | 10.7355% | 2,918 |
| Core capital (leverage) ratio | 7.0919% | 6,979 |
| Tier 1 risk-based capital ratio | 18.0758% | 1,972 |
| Total risk-based capital ratio | 19.9288% | 1,763 |
| Memoranda: | ||
| Average total assets | $156,846,433,800 | 11 |
| Average earning assets | $133,608,957,400 | 11 |
| Average equity | $16,211,064,200 | 18 |
| Average total loans | $12,215,116,200 | 65 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6109% | 7,668 |
| Cost of funding earning assets | 0.4433% | 7,524 |
| Net interest margin | 2.1676% | 7,522 |
| Noninterest income to average assets | 3.6584% | 183 |
| Noninterest expense to average assets | 3.7130% | 1,541 |
| Loan and lease loss provision to assets | 0.0216% | 6,841 |
| Net operating income to assets | 1.3676% | 1,177 |
| Return on assets (ROA) | 1.4079% | 1,160 |
| Pretax return on assets | 1.8282% | 878 |
| Return on Equity (ROE) | 13.7533% | 1,081 |
| Retained earnings to average equity (ytd only) | 13.7533% | 290 |
| Net charge-offs to loans | 0.0465% | 6,062 |
| Credit loss provision to net charge-offs | 596.0486% | 491 |
| Earnings coverage of net charge-offs (x) | 495.4264% | 64 |
| Efficiency ratio | 65.6300% | 4,940 |
| Assets per employee ($millions) | 6.2392% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 7,157 |
| Loan loss allowance to noncurrent loans | 31.2803% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 6,887 |
| Noncurrent loans to loans | 2.3172% | 3,324 |
| Net loans and leases to total assets | 8.1845% | 7,696 |
| Net loans and leases to deposits | 12.6171% | 7,698 |
| Net loans and leases to core deposits | 80.1261% | 4,500 |
| Total domestic deposits to total assets | 15.9918% | 7,718 |
| Equity capital to assets | 10.5908% | 3,417 |
| Core capital (leverage) ratio | 8.1136% | 6,178 |
| Tier 1 risk-based capital ratio | 15.7381% | 2,888 |
| Total risk-based capital ratio | 17.2601% | 2,708 |
| Memoranda: | ||
| Average total assets | $157,175,898,250 | 11 |
| Average earning assets | $134,293,229,000 | 11 |
| Average equity | $16,089,626,250 | 18 |
| Average total loans | $12,261,901,750 | 65 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6148% | 7,744 |
| Cost of funding earning assets | 0.4746% | 7,578 |
| Net interest margin | 2.1402% | 7,603 |
| Noninterest income to average assets | 3.7985% | 174 |
| Noninterest expense to average assets | 3.8586% | 1,251 |
| Loan and lease loss provision to assets | 0.0320% | 6,625 |
| Net operating income to assets | 1.4209% | 1,051 |
| Return on assets (ROA) | 1.4687% | 1,024 |
| Pretax return on assets | 1.8054% | 878 |
| Return on Equity (ROE) | 14.5307% | 940 |
| Retained earnings to average equity (ytd only) | 14.5307% | 276 |
| Net charge-offs to loans | 0.0510% | 5,671 |
| Credit loss provision to net charge-offs | 821.9586% | 452 |
| Earnings coverage of net charge-offs (x) | 456.5170% | 71 |
| Efficiency ratio | 66.8861% | 4,793 |
| Assets per employee ($millions) | 5.8586% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 6,883 |
| Loan loss allowance to noncurrent loans | 29.8633% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 6,857 |
| Noncurrent loans to loans | 2.8697% | 2,783 |
| Net loans and leases to total assets | 7.4734% | 7,763 |
| Net loans and leases to deposits | 11.8002% | 7,766 |
| Net loans and leases to core deposits | 98.6380% | 2,164 |
| Total domestic deposits to total assets | 13.9987% | 7,791 |
| Equity capital to assets | 10.3936% | 3,531 |
| Core capital (leverage) ratio | 7.6619% | 6,658 |
| Tier 1 risk-based capital ratio | 14.9868% | 3,156 |
| Total risk-based capital ratio | 16.5593% | 2,963 |
| Memoranda: | ||
| Average total assets | $153,608,727,000 | 12 |
| Average earning assets | $131,956,466,330 | 11 |
| Average equity | $15,526,327,670 | 19 |
| Average total loans | $11,735,809,670 | 65 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6661% | 7,843 |
| Cost of funding earning assets | 0.5148% | 7,656 |
| Net interest margin | 2.1512% | 7,670 |
| Noninterest income to average assets | 3.7109% | 176 |
| Noninterest expense to average assets | 3.9526% | 1,099 |
| Loan and lease loss provision to assets | 0.0396% | 6,281 |
| Net operating income to assets | 1.1187% | 1,772 |
| Return on assets (ROA) | 1.2959% | 1,380 |
| Pretax return on assets | 1.8371% | 826 |
| Return on Equity (ROE) | 13.0120% | 1,251 |
| Retained earnings to average equity (ytd only) | 13.0120% | 618 |
| Net charge-offs to loans | 0.1026% | 4,397 |
| Credit loss provision to net charge-offs | 501.3369% | 829 |
| Earnings coverage of net charge-offs (x) | 206.2086% | 165 |
| Efficiency ratio | 69.4033% | 4,426 |
| Assets per employee ($millions) | 5.6748% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 7,286 |
| Loan loss allowance to noncurrent loans | 33.2542% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 7,017 |
| Noncurrent loans to loans | 2.2036% | 3,521 |
| Net loans and leases to total assets | 8.2418% | 7,865 |
| Net loans and leases to deposits | 13.0048% | 7,863 |
| Net loans and leases to core deposits | 91.0607% | 3,219 |
| Total domestic deposits to total assets | 14.4540% | 7,892 |
| Equity capital to assets | 10.3894% | 3,358 |
| Core capital (leverage) ratio | 8.6758% | 5,058 |
| Tier 1 risk-based capital ratio | 17.6139% | 2,046 |
| Total risk-based capital ratio | 19.3007% | 1,906 |
| Memoranda: | ||
| Average total assets | $151,675,940,500 | 12 |
| Average earning assets | $131,763,814,500 | 12 |
| Average equity | $15,105,881,000 | 19 |
| Average total loans | $11,668,533,000 | 65 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5182% | 7,907 |
| Cost of funding earning assets | 0.3990% | 7,876 |
| Net interest margin | 2.1192% | 7,690 |
| Noninterest income to average assets | 3.7879% | 178 |
| Noninterest expense to average assets | 3.7174% | 1,874 |
| Loan and lease loss provision to assets | 0.0960% | 6,651 |
| Net operating income to assets | 1.1584% | 1,365 |
| Return on assets (ROA) | -1.1163% | 6,665 |
| Pretax return on assets | -0.4953% | 6,007 |
| Return on Equity (ROE) | -12.8185% | 6,818 |
| Retained earnings to average equity (ytd only) | -14.6632% | 6,868 |
| Net charge-offs to loans | 0.8498% | 2,701 |
| Credit loss provision to net charge-offs | 168.8535% | 2,537 |
| Earnings coverage of net charge-offs (x) | 32.3104% | 720 |
| Efficiency ratio | 65.4656% | 5,495 |
| Assets per employee ($millions) | 5.9252% | 1,297 |
| Cash dividends to net income (ytd only)* | -14.3915% | 7,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 7,325 |
| Loan loss allowance to noncurrent loans | 32.2906% | 6,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 7,078 |
| Noncurrent loans to loans | 2.2419% | 3,346 |
| Net loans and leases to total assets | 7.0485% | 7,943 |
| Net loans and leases to deposits | 11.4437% | 7,944 |
| Net loans and leases to core deposits | 88.9870% | 5,223 |
| Total domestic deposits to total assets | 11.6839% | 7,970 |
| Equity capital to assets | 9.5408% | 4,366 |
| Core capital (leverage) ratio | 8.1908% | 5,828 |
| Tier 1 risk-based capital ratio | 17.3201% | 2,074 |
| Total risk-based capital ratio | 18.9996% | 1,914 |
| Memoranda: | ||
| Average total assets | $155,619,807,800 | 11 |
| Average earning assets | $129,666,589,800 | 11 |
| Average equity | $13,551,854,600 | 20 |
| Average total loans | $10,406,547,800 | 68 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4728% | 8,013 |
| Cost of funding earning assets | 0.4021% | 7,973 |
| Net interest margin | 2.0706% | 7,785 |
| Noninterest income to average assets | 3.4900% | 188 |
| Noninterest expense to average assets | 3.6675% | 1,893 |
| Loan and lease loss provision to assets | 0.0971% | 6,396 |
| Net operating income to assets | 1.0091% | 2,023 |
| Return on assets (ROA) | -2.0418% | 7,333 |
| Pretax return on assets | -1.5824% | 7,005 |
| Return on Equity (ROE) | -24.0115% | 7,487 |
| Retained earnings to average equity (ytd only) | -26.5228% | 7,523 |
| Net charge-offs to loans | 1.0240% | 1,928 |
| Credit loss provision to net charge-offs | 144.0041% | 3,389 |
| Earnings coverage of net charge-offs (x) | 22.7190% | 1,148 |
| Efficiency ratio | 68.9230% | 4,803 |
| Assets per employee ($millions) | 6.0953% | 1,170 |
| Cash dividends to net income (ytd only)* | -10.4589% | 7,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4569% | 7,760 |
| Loan loss allowance to noncurrent loans | 20.0699% | 7,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 7,124 |
| Noncurrent loans to loans | 2.2766% | 3,292 |
| Net loans and leases to total assets | 7.1887% | 8,027 |
| Net loans and leases to deposits | 11.8428% | 8,026 |
| Net loans and leases to core deposits | 84.9991% | 5,966 |
| Total domestic deposits to total assets | 11.6730% | 8,058 |
| Equity capital to assets | 8.4087% | 6,373 |
| Core capital (leverage) ratio | 7.3819% | 7,097 |
| Tier 1 risk-based capital ratio | 14.2064% | 3,440 |
| Total risk-based capital ratio | 15.7024% | 3,248 |
| Memoranda: | ||
| Average total assets | $156,089,628,250 | 10 |
| Average earning assets | $128,872,993,750 | 10 |
| Average equity | $13,272,813,750 | 21 |
| Average total loans | $10,279,347,750 | 71 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3414% | 8,109 |
| Cost of funding earning assets | 0.4129% | 8,068 |
| Net interest margin | 1.9284% | 7,898 |
| Noninterest income to average assets | 3.5170% | 181 |
| Noninterest expense to average assets | 3.3525% | 2,780 |
| Loan and lease loss provision to assets | 0.1268% | 5,839 |
| Net operating income to assets | 1.1583% | 1,588 |
| Return on assets (ROA) | -3.5052% | 7,766 |
| Pretax return on assets | -3.0069% | 7,574 |
| Return on Equity (ROE) | -41.0635% | 7,854 |
| Retained earnings to average equity (ytd only) | -44.8495% | 7,871 |
| Net charge-offs to loans | 0.1657% | 4,561 |
| Credit loss provision to net charge-offs | 1,201.7153% | 410 |
| Earnings coverage of net charge-offs (x) | 166.2295% | 250 |
| Efficiency ratio | 64.0332% | 5,908 |
| Assets per employee ($millions) | 5.7643% | 1,374 |
| Cash dividends to net income (ytd only)* | -9.2198% | 7,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8533% | 6,967 |
| Loan loss allowance to noncurrent loans | 32.3180% | 6,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 6,948 |
| Noncurrent loans to loans | 2.6404% | 2,741 |
| Net loans and leases to total assets | 8.3434% | 8,111 |
| Net loans and leases to deposits | 13.9596% | 8,112 |
| Net loans and leases to core deposits | 84.3690% | 6,066 |
| Total domestic deposits to total assets | 13.7075% | 8,148 |
| Equity capital to assets | 8.0500% | 6,693 |
| Core capital (leverage) ratio | 6.6098% | 7,741 |
| Tier 1 risk-based capital ratio | 13.3759% | 3,883 |
| Total risk-based capital ratio | 14.9465% | 3,618 |
| Memoranda: | ||
| Average total assets | $154,716,770,000 | 10 |
| Average earning assets | $127,507,416,330 | 10 |
| Average equity | $13,206,602,000 | 19 |
| Average total loans | $9,849,219,670 | 81 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2312% | 8,177 |
| Cost of funding earning assets | 0.3715% | 8,145 |
| Net interest margin | 1.8597% | 7,958 |
| Noninterest income to average assets | 3.3932% | 188 |
| Noninterest expense to average assets | 3.2425% | 2,826 |
| Loan and lease loss provision to assets | 0.2142% | 4,304 |
| Net operating income to assets | 1.1358% | 1,848 |
| Return on assets (ROA) | 1.2030% | 1,759 |
| Pretax return on assets | 1.5538% | 1,526 |
| Return on Equity (ROE) | 13.7188% | 1,223 |
| Retained earnings to average equity (ytd only) | 6.4480% | 2,441 |
| Net charge-offs to loans | 0.3867% | 2,551 |
| Credit loss provision to net charge-offs | 1,029.0493% | 598 |
| Earnings coverage of net charge-offs (x) | 80.7529% | 519 |
| Efficiency ratio | 64.1816% | 5,656 |
| Assets per employee ($millions) | 5.3511% | 1,695 |
| Cash dividends to net income (ytd only)* | 52.9987% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 4,726 |
| Loan loss allowance to noncurrent loans | 46.8591% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 7,156 |
| Noncurrent loans to loans | 2.5857% | 2,547 |
| Net loans and leases to total assets | 5.3773% | 8,175 |
| Net loans and leases to deposits | 8.7410% | 8,179 |
| Net loans and leases to core deposits | 53.0729% | 7,700 |
| Total domestic deposits to total assets | 18.0878% | 8,193 |
| Equity capital to assets | 9.9457% | 4,056 |
| Core capital (leverage) ratio | 9.9094% | 3,508 |
| Tier 1 risk-based capital ratio | 18.3658% | 1,967 |
| Total risk-based capital ratio | 19.8714% | 1,852 |
| Memoranda: | ||
| Average total assets | $156,842,812,500 | 11 |
| Average earning assets | $129,051,650,500 | 10 |
| Average equity | $13,753,697,000 | 17 |
| Average total loans | $8,442,836,000 | 98 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4596% | 8,144 |
| Cost of funding earning assets | 1.4406% | 7,694 |
| Net interest margin | 2.0190% | 8,052 |
| Noninterest income to average assets | 4.5022% | 140 |
| Noninterest expense to average assets | 4.4186% | 933 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0647% | 2,282 |
| Return on assets (ROA) | 1.0452% | 2,272 |
| Pretax return on assets | 1.6434% | 1,280 |
| Return on Equity (ROE) | 14.9167% | 938 |
| Retained earnings to average equity (ytd only) | 14.9167% | 92 |
| Net charge-offs to loans | -0.0001% | 7,710 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2162% | 4,083 |
| Assets per employee ($millions) | 6.2032% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1996% | 8,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 5.3222% | 8,228 |
| Net loans and leases to deposits | 7.9083% | 8,233 |
| Net loans and leases to core deposits | 26.4234% | 8,173 |
| Total domestic deposits to total assets | 21.7016% | 8,236 |
| Equity capital to assets | 7.7901% | 7,106 |
| Core capital (leverage) ratio | 7.6323% | 7,029 |
| Tier 1 risk-based capital ratio | 19.7587% | 1,657 |
| Total risk-based capital ratio | 21.2841% | 1,579 |
| Memoranda: | ||
| Average total assets | $173,570,242,800 | 9 |
| Average earning assets | $136,715,799,200 | 9 |
| Average equity | $12,161,489,200 | 21 |
| Average total loans | $14,394,301,800 | 61 |