Home > Synovus Bank > Performance and Condition Ratios
Synovus Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5325% | 1,119 |
| Cost of funding earning assets | 2.1835% | 665 |
| Net interest margin | 3.3490% | 2,519 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.0039% | 3,620 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 1.0061% | 2,203 |
| Return on assets (ROA) | 0.9082% | 2,491 |
| Pretax return on assets | 1.1715% | 2,210 |
| Return on Equity (ROE) | 11.7100% | 2,036 |
| Retained earnings to average equity (ytd only) | 2.6012% | 3,411 |
| Net charge-offs to loans | 0.3471% | 313 |
| Credit loss provision to net charge-offs | 123.4515% | 1,648 |
| Earnings coverage of net charge-offs (x) | 6.3178% | 2,477 |
| Efficiency ratio | 54.9627% | 3,603 |
| Assets per employee ($millions) | 12.9358% | 330 |
| Cash dividends to net income (ytd only)* | 77.7854% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 2,821 |
| Loan loss allowance to noncurrent loans | 163.4843% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4913% | 1,143 |
| Noncurrent loans to loans | 0.6748% | 1,160 |
| Net loans and leases to total assets | 72.0100% | 1,580 |
| Net loans and leases to deposits | 83.7071% | 1,805 |
| Net loans and leases to core deposits | 101.9042% | 1,334 |
| Total domestic deposits to total assets | 86.0200% | 2,007 |
| Equity capital to assets | 8.2899% | 3,208 |
| Core capital (leverage) ratio | 9.2054% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2918% | 2,497 |
| Memoranda: | ||
| Average total assets | $60,160,079,000 | 41 |
| Average earning assets | $55,090,680,600 | 40 |
| Average equity | $4,666,073,800 | 50 |
| Average total loans | $44,178,790,800 | 36 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4580% | 1,065 |
| Cost of funding earning assets | 2.0737% | 623 |
| Net interest margin | 3.3843% | 2,487 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 1.9234% | 3,769 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 1.0555% | 2,200 |
| Return on assets (ROA) | 1.0583% | 2,182 |
| Pretax return on assets | 1.3630% | 1,863 |
| Return on Equity (ROE) | 13.8800% | 1,684 |
| Retained earnings to average equity (ytd only) | 4.4520% | 3,120 |
| Net charge-offs to loans | 0.3359% | 263 |
| Credit loss provision to net charge-offs | 130.5168% | 1,416 |
| Earnings coverage of net charge-offs (x) | 6.7858% | 2,265 |
| Efficiency ratio | 52.9642% | 3,681 |
| Assets per employee ($millions) | 12.5315% | 332 |
| Cash dividends to net income (ytd only)* | 67.9277% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 2,907 |
| Loan loss allowance to noncurrent loans | 167.9535% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 1,204 |
| Noncurrent loans to loans | 0.6499% | 1,264 |
| Net loans and leases to total assets | 73.0800% | 1,462 |
| Net loans and leases to deposits | 85.0916% | 1,647 |
| Net loans and leases to core deposits | 103.4955% | 1,143 |
| Total domestic deposits to total assets | 85.8800% | 2,237 |
| Equity capital to assets | 7.4352% | 3,394 |
| Core capital (leverage) ratio | 9.1521% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2647% | 2,526 |
| Memoranda: | ||
| Average total assets | $60,278,659,500 | 42 |
| Average earning assets | $55,219,232,000 | 41 |
| Average equity | $4,595,620,250 | 50 |
| Average total loans | $44,359,174,000 | 36 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3042% | 1,076 |
| Cost of funding earning assets | 1.8830% | 633 |
| Net interest margin | 3.4212% | 2,470 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 1.8730% | 3,872 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.2464% | 1,703 |
| Return on assets (ROA) | 1.2496% | 1,690 |
| Pretax return on assets | 1.6055% | 1,406 |
| Return on Equity (ROE) | 16.2600% | 1,224 |
| Retained earnings to average equity (ytd only) | 9.8222% | 1,459 |
| Net charge-offs to loans | 0.2017% | 396 |
| Credit loss provision to net charge-offs | 161.8831% | 1,151 |
| Earnings coverage of net charge-offs (x) | 12.3828% | 1,940 |
| Efficiency ratio | 50.1209% | 3,919 |
| Assets per employee ($millions) | 12.3543% | 343 |
| Cash dividends to net income (ytd only)* | 39.5928% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,188 |
| Loan loss allowance to noncurrent loans | 177.7257% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 1,215 |
| Noncurrent loans to loans | 0.5910% | 1,270 |
| Net loans and leases to total assets | 73.3200% | 1,366 |
| Net loans and leases to deposits | 87.6749% | 1,370 |
| Net loans and leases to core deposits | 106.1314% | 982 |
| Total domestic deposits to total assets | 83.6300% | 2,908 |
| Equity capital to assets | 7.8551% | 3,312 |
| Core capital (leverage) ratio | 9.1710% | 3,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1311% | 2,593 |
| Memoranda: | ||
| Average total assets | $60,634,494,000 | 42 |
| Average earning assets | $55,624,300,667 | 40 |
| Average equity | $4,659,995,333 | 49 |
| Average total loans | $44,563,409,333 | 36 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1467% | 1,025 |
| Cost of funding earning assets | 1.6378% | 650 |
| Net interest margin | 3.5089% | 2,335 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 1.8711% | 3,915 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.3219% | 1,618 |
| Return on assets (ROA) | 1.3284% | 1,566 |
| Pretax return on assets | 1.7141% | 1,249 |
| Return on Equity (ROE) | 17.4800% | 1,104 |
| Retained earnings to average equity (ytd only) | 10.9729% | 1,472 |
| Net charge-offs to loans | 0.1671% | 422 |
| Credit loss provision to net charge-offs | 173.2399% | 887 |
| Earnings coverage of net charge-offs (x) | 15.6832% | 1,535 |
| Efficiency ratio | 49.0596% | 4,020 |
| Assets per employee ($millions) | 12.6591% | 328 |
| Cash dividends to net income (ytd only)* | 37.2179% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 3,423 |
| Loan loss allowance to noncurrent loans | 245.7188% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 1,658 |
| Noncurrent loans to loans | 0.4159% | 1,685 |
| Net loans and leases to total assets | 71.7000% | 1,456 |
| Net loans and leases to deposits | 87.6376% | 1,237 |
| Net loans and leases to core deposits | 104.3100% | 908 |
| Total domestic deposits to total assets | 81.8100% | 3,510 |
| Equity capital to assets | 7.6997% | 3,444 |
| Core capital (leverage) ratio | 9.1051% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0592% | 2,713 |
| Memoranda: | ||
| Average total assets | $60,677,602,500 | 45 |
| Average earning assets | $55,698,908,500 | 43 |
| Average equity | $4,611,937,000 | 52 |
| Average total loans | $44,411,120,500 | 39 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 1,992 |
| Cost of funding earning assets | 0.4634% | 1,629 |
| Net interest margin | 3.4347% | 2,142 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 1.8716% | 3,890 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3481% | 1,283 |
| Return on assets (ROA) | 1.3456% | 1,255 |
| Pretax return on assets | 1.7224% | 875 |
| Return on Equity (ROE) | 16.5000% | 961 |
| Retained earnings to average equity (ytd only) | 9.0740% | 1,459 |
| Net charge-offs to loans | 0.1263% | 616 |
| Credit loss provision to net charge-offs | 129.7746% | 1,409 |
| Earnings coverage of net charge-offs (x) | 20.3544% | 1,885 |
| Efficiency ratio | 49.6058% | 4,148 |
| Assets per employee ($millions) | 12.3431% | 355 |
| Cash dividends to net income (ytd only)* | 45.0011% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0053% | 3,345 |
| Loan loss allowance to noncurrent loans | 337.3739% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2204% | 2,056 |
| Noncurrent loans to loans | 0.2980% | 2,073 |
| Net loans and leases to total assets | 73.2300% | 1,288 |
| Net loans and leases to deposits | 88.3634% | 1,150 |
| Net loans and leases to core deposits | 101.7448% | 908 |
| Total domestic deposits to total assets | 82.8700% | 3,444 |
| Equity capital to assets | 7.4983% | 3,386 |
| Core capital (leverage) ratio | 9.0556% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8933% | 2,759 |
| Memoranda: | ||
| Average total assets | $57,801,637,800 | 46 |
| Average earning assets | $53,241,138,000 | 46 |
| Average equity | $4,714,117,200 | 53 |
| Average total loans | $42,090,778,600 | 39 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5826% | 2,393 |
| Cost of funding earning assets | 0.2587% | 2,617 |
| Net interest margin | 3.3238% | 2,216 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 1.8510% | 3,871 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.3137% | 1,308 |
| Return on assets (ROA) | 1.3103% | 1,283 |
| Pretax return on assets | 1.6864% | 929 |
| Return on Equity (ROE) | 15.7400% | 1,028 |
| Retained earnings to average equity (ytd only) | 8.0576% | 1,980 |
| Net charge-offs to loans | 0.1278% | 501 |
| Credit loss provision to net charge-offs | 84.3487% | 1,403 |
| Earnings coverage of net charge-offs (x) | 19.4897% | 1,724 |
| Efficiency ratio | 50.2104% | 4,143 |
| Assets per employee ($millions) | 12.1132% | 369 |
| Cash dividends to net income (ytd only)* | 48.7968% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,600 |
| Loan loss allowance to noncurrent loans | 334.4544% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 2,173 |
| Noncurrent loans to loans | 0.2912% | 2,200 |
| Net loans and leases to total assets | 73.1900% | 1,163 |
| Net loans and leases to deposits | 88.3087% | 1,010 |
| Net loans and leases to core deposits | 99.0259% | 857 |
| Total domestic deposits to total assets | 82.8800% | 3,711 |
| Equity capital to assets | 7.2333% | 3,383 |
| Core capital (leverage) ratio | 9.0412% | 3,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8130% | 2,871 |
| Memoranda: | ||
| Average total assets | $57,343,965,750 | 48 |
| Average earning assets | $52,879,881,000 | 48 |
| Average equity | $4,774,844,750 | 55 |
| Average total loans | $41,586,509,500 | 41 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3079% | 2,713 |
| Cost of funding earning assets | 0.1462% | 3,624 |
| Net interest margin | 3.1616% | 2,320 |
| Noninterest income to average assets | 0.6130% | 1,684 |
| Noninterest expense to average assets | 1.8331% | 3,881 |
| Loan and lease loss provision to assets | 0.0846% | 1,173 |
| Net operating income to assets | 1.2630% | 1,246 |
| Return on assets (ROA) | 1.2597% | 1,239 |
| Pretax return on assets | 1.6106% | 912 |
| Return on Equity (ROE) | 14.4767% | 1,008 |
| Retained earnings to average equity (ytd only) | 6.4039% | 2,205 |
| Net charge-offs to loans | 0.1715% | 373 |
| Credit loss provision to net charge-offs | 43.8221% | 1,520 |
| Earnings coverage of net charge-offs (x) | 13.7567% | 1,680 |
| Efficiency ratio | 51.4699% | 4,167 |
| Assets per employee ($millions) | 11.9338% | 389 |
| Cash dividends to net income (ytd only)* | 55.7639% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 3,738 |
| Loan loss allowance to noncurrent loans | 366.5127% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 2,245 |
| Noncurrent loans to loans | 0.2642% | 2,420 |
| Net loans and leases to total assets | 72.8231% | 1,025 |
| Net loans and leases to deposits | 84.2124% | 1,104 |
| Net loans and leases to core deposits | 93.1916% | 960 |
| Total domestic deposits to total assets | 86.4755% | 3,119 |
| Equity capital to assets | 8.0399% | 3,093 |
| Core capital (leverage) ratio | 9.0588% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8180% | 2,861 |
| Memoranda: | ||
| Average total assets | $56,944,195,000 | 47 |
| Average earning assets | $52,584,240,000 | 47 |
| Average equity | $4,954,930,333 | 55 |
| Average total loans | $41,026,043,333 | 41 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1676% | 2,786 |
| Cost of funding earning assets | 0.1296% | 3,781 |
| Net interest margin | 3.0380% | 2,371 |
| Noninterest income to average assets | 0.6407% | 1,528 |
| Noninterest expense to average assets | 1.8311% | 3,863 |
| Loan and lease loss provision to assets | 0.0803% | 1,020 |
| Net operating income to assets | 1.2243% | 1,184 |
| Return on assets (ROA) | 1.2203% | 1,184 |
| Pretax return on assets | 1.5354% | 948 |
| Return on Equity (ROE) | 13.5062% | 932 |
| Retained earnings to average equity (ytd only) | 5.7085% | 2,349 |
| Net charge-offs to loans | 0.1839% | 329 |
| Credit loss provision to net charge-offs | 32.0705% | 1,257 |
| Earnings coverage of net charge-offs (x) | 12.3622% | 1,417 |
| Efficiency ratio | 52.6143% | 4,149 |
| Assets per employee ($millions) | 11.9766% | 400 |
| Cash dividends to net income (ytd only)* | 57.7344% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,656 |
| Loan loss allowance to noncurrent loans | 306.9247% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 2,105 |
| Noncurrent loans to loans | 0.3306% | 2,297 |
| Net loans and leases to total assets | 71.8638% | 850 |
| Net loans and leases to deposits | 82.4621% | 980 |
| Net loans and leases to core deposits | 88.3897% | 1,001 |
| Total domestic deposits to total assets | 87.1476% | 2,876 |
| Equity capital to assets | 8.6604% | 3,017 |
| Core capital (leverage) ratio | 8.9495% | 3,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0033% | 2,892 |
| Memoranda: | ||
| Average total assets | $56,775,241,500 | 49 |
| Average earning assets | $52,534,884,500 | 48 |
| Average equity | $5,129,697,000 | 56 |
| Average total loans | $40,477,835,500 | 41 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2308% | 3,401 |
| Cost of funding earning assets | 0.1834% | 3,616 |
| Net interest margin | 3.0474% | 3,056 |
| Noninterest income to average assets | 0.6480% | 1,949 |
| Noninterest expense to average assets | 1.8558% | 4,038 |
| Loan and lease loss provision to assets | -0.1918% | 4,685 |
| Net operating income to assets | 1.3863% | 1,325 |
| Return on assets (ROA) | 1.3844% | 1,387 |
| Pretax return on assets | 1.7968% | 917 |
| Return on Equity (ROE) | 14.4705% | 1,071 |
| Retained earnings to average equity (ytd only) | 6.5450% | 2,104 |
| Net charge-offs to loans | 0.1977% | 488 |
| Credit loss provision to net charge-offs | -129.0058% | 3,416 |
| Earnings coverage of net charge-offs (x) | 11.4450% | 2,154 |
| Efficiency ratio | 53.0921% | 4,023 |
| Assets per employee ($millions) | 12.2248% | 375 |
| Cash dividends to net income (ytd only)* | 54.7699% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,489 |
| Loan loss allowance to noncurrent loans | 310.2756% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 2,243 |
| Noncurrent loans to loans | 0.3440% | 2,345 |
| Net loans and leases to total assets | 69.2625% | 1,129 |
| Net loans and leases to deposits | 79.5348% | 1,253 |
| Net loans and leases to core deposits | 86.8442% | 1,150 |
| Total domestic deposits to total assets | 87.0845% | 2,481 |
| Equity capital to assets | 9.4039% | 3,219 |
| Core capital (leverage) ratio | 8.8571% | 3,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1092% | 2,863 |
| Memoranda: | ||
| Average total assets | $55,390,419,400 | 47 |
| Average earning assets | $51,168,851,400 | 48 |
| Average equity | $5,299,352,200 | 51 |
| Average total loans | $39,350,721,400 | 41 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2493% | 3,517 |
| Cost of funding earning assets | 0.1965% | 3,636 |
| Net interest margin | 3.0527% | 3,170 |
| Noninterest income to average assets | 0.6488% | 2,017 |
| Noninterest expense to average assets | 1.8217% | 4,121 |
| Loan and lease loss provision to assets | -0.1239% | 4,652 |
| Net operating income to assets | 1.3837% | 1,590 |
| Return on assets (ROA) | 1.3811% | 1,657 |
| Pretax return on assets | 1.7640% | 1,247 |
| Return on Equity (ROE) | 14.3717% | 1,292 |
| Retained earnings to average equity (ytd only) | 6.4156% | 2,641 |
| Net charge-offs to loans | 0.2289% | 360 |
| Credit loss provision to net charge-offs | -68.7227% | 3,182 |
| Earnings coverage of net charge-offs (x) | 10.0656% | 2,050 |
| Efficiency ratio | 52.0735% | 4,022 |
| Assets per employee ($millions) | 11.6890% | 405 |
| Cash dividends to net income (ytd only)* | 55.3592% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 2,649 |
| Loan loss allowance to noncurrent loans | 304.9360% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 2,300 |
| Noncurrent loans to loans | 0.4151% | 2,314 |
| Net loans and leases to total assets | 69.2769% | 1,157 |
| Net loans and leases to deposits | 79.8713% | 1,306 |
| Net loans and leases to core deposits | 87.4475% | 1,189 |
| Total domestic deposits to total assets | 86.7356% | 2,452 |
| Equity capital to assets | 9.6640% | 3,233 |
| Core capital (leverage) ratio | 8.9547% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4446% | 2,877 |
| Memoranda: | ||
| Average total assets | $54,931,947,750 | 48 |
| Average earning assets | $50,677,927,250 | 48 |
| Average equity | $5,278,862,500 | 50 |
| Average total loans | $39,172,751,750 | 42 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2549% | 3,546 |
| Cost of funding earning assets | 0.2133% | 3,622 |
| Net interest margin | 3.0417% | 3,207 |
| Noninterest income to average assets | 0.6386% | 2,051 |
| Noninterest expense to average assets | 1.8246% | 4,131 |
| Loan and lease loss provision to assets | -0.1577% | 4,715 |
| Net operating income to assets | 1.4018% | 1,562 |
| Return on assets (ROA) | 1.3953% | 1,652 |
| Pretax return on assets | 1.7705% | 1,299 |
| Return on Equity (ROE) | 14.5473% | 1,270 |
| Retained earnings to average equity (ytd only) | 6.5518% | 2,600 |
| Net charge-offs to loans | 0.2381% | 366 |
| Credit loss provision to net charge-offs | -90.4342% | 3,048 |
| Earnings coverage of net charge-offs (x) | 9.4946% | 1,829 |
| Efficiency ratio | 52.4500% | 3,996 |
| Assets per employee ($millions) | 11.4989% | 401 |
| Cash dividends to net income (ytd only)* | 54.9625% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 2,312 |
| Loan loss allowance to noncurrent loans | 312.3178% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 2,396 |
| Noncurrent loans to loans | 0.4244% | 2,407 |
| Net loans and leases to total assets | 70.1083% | 1,184 |
| Net loans and leases to deposits | 80.8225% | 1,349 |
| Net loans and leases to core deposits | 89.1973% | 1,194 |
| Total domestic deposits to total assets | 86.7437% | 2,452 |
| Equity capital to assets | 9.6963% | 3,147 |
| Core capital (leverage) ratio | 8.8601% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7025% | 2,809 |
| Memoranda: | ||
| Average total assets | $54,766,143,667 | 48 |
| Average earning assets | $50,540,574,333 | 48 |
| Average equity | $5,252,910,333 | 50 |
| Average total loans | $39,266,343,000 | 42 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2459% | 3,592 |
| Cost of funding earning assets | 0.2364% | 3,596 |
| Net interest margin | 3.0095% | 3,233 |
| Noninterest income to average assets | 0.6670% | 1,969 |
| Noninterest expense to average assets | 1.8157% | 4,186 |
| Loan and lease loss provision to assets | -0.1358% | 4,761 |
| Net operating income to assets | 1.4277% | 1,501 |
| Return on assets (ROA) | 1.4143% | 1,605 |
| Pretax return on assets | 1.7482% | 1,399 |
| Return on Equity (ROE) | 14.8261% | 1,252 |
| Retained earnings to average equity (ytd only) | 6.7787% | 2,645 |
| Net charge-offs to loans | 0.2051% | 400 |
| Credit loss provision to net charge-offs | -110.4633% | 2,849 |
| Earnings coverage of net charge-offs (x) | 11.0285% | 1,473 |
| Efficiency ratio | 52.2055% | 3,973 |
| Assets per employee ($millions) | 11.3631% | 402 |
| Cash dividends to net income (ytd only)* | 54.2787% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 1,892 |
| Loan loss allowance to noncurrent loans | 308.5022% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 2,464 |
| Noncurrent loans to loans | 0.4587% | 2,479 |
| Net loans and leases to total assets | 71.2090% | 1,125 |
| Net loans and leases to deposits | 81.9986% | 1,335 |
| Net loans and leases to core deposits | 91.2482% | 1,156 |
| Total domestic deposits to total assets | 86.8418% | 2,373 |
| Equity capital to assets | 9.4344% | 3,259 |
| Core capital (leverage) ratio | 8.8513% | 3,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6898% | 2,768 |
| Memoranda: | ||
| Average total assets | $54,712,949,500 | 47 |
| Average earning assets | $50,499,919,000 | 48 |
| Average equity | $5,219,069,000 | 51 |
| Average total loans | $39,406,047,500 | 42 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7965% | 3,314 |
| Cost of funding earning assets | 0.5314% | 2,740 |
| Net interest margin | 3.2650% | 3,171 |
| Noninterest income to average assets | 0.6553% | 2,003 |
| Noninterest expense to average assets | 2.1536% | 3,810 |
| Loan and lease loss provision to assets | 0.6463% | 281 |
| Net operating income to assets | 0.6396% | 3,626 |
| Return on assets (ROA) | 0.7601% | 3,366 |
| Pretax return on assets | 0.9923% | 3,069 |
| Return on Equity (ROE) | 7.4434% | 3,022 |
| Retained earnings to average equity (ytd only) | -2.6792% | 4,746 |
| Net charge-offs to loans | 0.2419% | 718 |
| Credit loss provision to net charge-offs | 354.8146% | 1,569 |
| Earnings coverage of net charge-offs (x) | 8.1586% | 2,625 |
| Efficiency ratio | 56.2401% | 3,959 |
| Assets per employee ($millions) | 11.0442% | 393 |
| Cash dividends to net income (ytd only)* | 135.9944% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 1,418 |
| Loan loss allowance to noncurrent loans | 338.8051% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 2,660 |
| Noncurrent loans to loans | 0.4583% | 2,597 |
| Net loans and leases to total assets | 70.6974% | 1,470 |
| Net loans and leases to deposits | 81.4684% | 1,713 |
| Net loans and leases to core deposits | 91.9914% | 1,383 |
| Total domestic deposits to total assets | 86.7789% | 2,045 |
| Equity capital to assets | 9.6451% | 3,460 |
| Core capital (leverage) ratio | 8.7290% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8285% | 2,692 |
| Memoranda: | ||
| Average total assets | $51,996,570,400 | 47 |
| Average earning assets | $47,526,767,000 | 46 |
| Average equity | $5,309,881,800 | 49 |
| Average total loans | $39,155,767,000 | 40 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8986% | 3,259 |
| Cost of funding earning assets | 0.6119% | 2,535 |
| Net interest margin | 3.2866% | 3,233 |
| Noninterest income to average assets | 0.6443% | 2,002 |
| Noninterest expense to average assets | 2.2067% | 3,665 |
| Loan and lease loss provision to assets | 0.8090% | 220 |
| Net operating income to assets | 0.4699% | 4,119 |
| Return on assets (ROA) | 0.6276% | 3,794 |
| Pretax return on assets | 0.8253% | 3,579 |
| Return on Equity (ROE) | 6.0572% | 3,534 |
| Retained earnings to average equity (ytd only) | -2.3895% | 4,730 |
| Net charge-offs to loans | 0.2469% | 618 |
| Credit loss provision to net charge-offs | 429.8803% | 1,406 |
| Earnings coverage of net charge-offs (x) | 7.6230% | 2,565 |
| Efficiency ratio | 56.8404% | 3,815 |
| Assets per employee ($millions) | 10.5834% | 424 |
| Cash dividends to net income (ytd only)* | 139.4478% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 1,383 |
| Loan loss allowance to noncurrent loans | 342.3892% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3429% | 2,768 |
| Noncurrent loans to loans | 0.4376% | 2,746 |
| Net loans and leases to total assets | 74.9013% | 1,253 |
| Net loans and leases to deposits | 87.7640% | 1,511 |
| Net loans and leases to core deposits | 100.9432% | 1,098 |
| Total domestic deposits to total assets | 85.3440% | 2,306 |
| Equity capital to assets | 9.9871% | 3,234 |
| Core capital (leverage) ratio | 8.9139% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3348% | 2,829 |
| Memoranda: | ||
| Average total assets | $51,414,103,000 | 46 |
| Average earning assets | $46,883,807,000 | 46 |
| Average equity | $5,327,390,000 | 49 |
| Average total loans | $39,191,432,000 | 40 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 3,219 |
| Cost of funding earning assets | 0.7203% | 2,289 |
| Net interest margin | 3.3212% | 3,331 |
| Noninterest income to average assets | 0.6064% | 2,106 |
| Noninterest expense to average assets | 2.1722% | 3,872 |
| Loan and lease loss provision to assets | 1.0547% | 187 |
| Net operating income to assets | 0.3143% | 4,391 |
| Return on assets (ROA) | 0.5582% | 3,942 |
| Pretax return on assets | 0.7091% | 3,852 |
| Return on Equity (ROE) | 5.3202% | 3,739 |
| Retained earnings to average equity (ytd only) | -3.1082% | 4,661 |
| Net charge-offs to loans | 0.2272% | 685 |
| Credit loss provision to net charge-offs | 608.4272% | 1,097 |
| Earnings coverage of net charge-offs (x) | 8.3939% | 2,288 |
| Efficiency ratio | 59.3134% | 3,514 |
| Assets per employee ($millions) | 10.6315% | 425 |
| Cash dividends to net income (ytd only)* | 158.4217% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,443 |
| Loan loss allowance to noncurrent loans | 377.7550% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 3,069 |
| Noncurrent loans to loans | 0.3818% | 3,044 |
| Net loans and leases to total assets | 74.4389% | 1,350 |
| Net loans and leases to deposits | 90.0567% | 1,348 |
| Net loans and leases to core deposits | 106.1428% | 889 |
| Total domestic deposits to total assets | 82.6579% | 3,191 |
| Equity capital to assets | 9.8552% | 3,322 |
| Core capital (leverage) ratio | 8.9087% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0055% | 2,966 |
| Memoranda: | ||
| Average total assets | $50,888,363,000 | 45 |
| Average earning assets | $46,287,552,000 | 45 |
| Average equity | $5,339,083,667 | 48 |
| Average total loans | $38,823,573,667 | 39 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 2,985 |
| Cost of funding earning assets | 0.8998% | 1,868 |
| Net interest margin | 3.3804% | 3,361 |
| Noninterest income to average assets | 0.6156% | 1,972 |
| Noninterest expense to average assets | 2.1497% | 4,114 |
| Loan and lease loss provision to assets | 1.2096% | 147 |
| Net operating income to assets | 0.3093% | 4,324 |
| Return on assets (ROA) | 0.3729% | 4,229 |
| Pretax return on assets | 0.4290% | 4,244 |
| Return on Equity (ROE) | 3.4397% | 4,104 |
| Retained earnings to average equity (ytd only) | -4.9781% | 4,518 |
| Net charge-offs to loans | 0.2121% | 659 |
| Credit loss provision to net charge-offs | 743.3179% | 701 |
| Earnings coverage of net charge-offs (x) | 9.6204% | 1,814 |
| Efficiency ratio | 57.2862% | 4,080 |
| Assets per employee ($millions) | 9.9590% | 390 |
| Cash dividends to net income (ytd only)* | 244.7248% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 2,203 |
| Loan loss allowance to noncurrent loans | 303.3175% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 3,026 |
| Noncurrent loans to loans | 0.4239% | 2,973 |
| Net loans and leases to total assets | 74.9861% | 1,462 |
| Net loans and leases to deposits | 94.1571% | 1,062 |
| Net loans and leases to core deposits | 112.7937% | 720 |
| Total domestic deposits to total assets | 79.6393% | 3,920 |
| Equity capital to assets | 10.6711% | 3,174 |
| Core capital (leverage) ratio | 9.6158% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7245% | 3,177 |
| Memoranda: | ||
| Average total assets | $49,312,691,000 | 44 |
| Average earning assets | $45,215,972,500 | 45 |
| Average equity | $5,345,762,500 | 47 |
| Average total loans | $37,827,744,000 | 39 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 1,493 |
| Cost of funding earning assets | 1.0213% | 1,629 |
| Net interest margin | 3.9746% | 1,927 |
| Noninterest income to average assets | 0.6315% | 2,087 |
| Noninterest expense to average assets | 2.3075% | 3,928 |
| Loan and lease loss provision to assets | 0.1975% | 1,029 |
| Net operating income to assets | 1.3280% | 1,587 |
| Return on assets (ROA) | 1.3153% | 1,710 |
| Pretax return on assets | 1.7829% | 981 |
| Return on Equity (ROE) | 12.0800% | 1,482 |
| Retained earnings to average equity (ytd only) | 3.8070% | 3,073 |
| Net charge-offs to loans | 0.1677% | 1,206 |
| Credit loss provision to net charge-offs | 152.2599% | 1,677 |
| Earnings coverage of net charge-offs (x) | 15.3888% | 2,234 |
| Efficiency ratio | 53.0055% | 4,520 |
| Assets per employee ($millions) | 9.6207% | 393 |
| Cash dividends to net income (ytd only)* | 68.4854% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7549% | 4,437 |
| Loan loss allowance to noncurrent loans | 239.3302% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 3,330 |
| Noncurrent loans to loans | 0.3154% | 3,307 |
| Net loans and leases to total assets | 76.9097% | 1,271 |
| Net loans and leases to deposits | 95.4000% | 1,002 |
| Net loans and leases to core deposits | 113.0815% | 710 |
| Total domestic deposits to total assets | 80.6181% | 3,849 |
| Equity capital to assets | 11.0186% | 2,977 |
| Core capital (leverage) ratio | 9.9427% | 3,579 |
| Tier 1 risk-based capital ratio | 11.1005% | 4,818 |
| Total risk-based capital ratio | 11.7769% | 4,934 |
| Memoranda: | ||
| Average total assets | $44,406,656,400 | 46 |
| Average earning assets | $41,031,175,400 | 45 |
| Average equity | $4,834,995,800 | 49 |
| Average total loans | $34,345,166,600 | 39 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1224% | 1,238 |
| Cost of funding earning assets | 1.0660% | 1,485 |
| Net interest margin | 4.0564% | 1,743 |
| Noninterest income to average assets | 0.6343% | 2,052 |
| Noninterest expense to average assets | 2.3828% | 3,735 |
| Loan and lease loss provision to assets | 0.1939% | 915 |
| Net operating income to assets | 1.3348% | 1,703 |
| Return on assets (ROA) | 1.3229% | 1,832 |
| Pretax return on assets | 1.7909% | 1,116 |
| Return on Equity (ROE) | 12.1901% | 1,552 |
| Retained earnings to average equity (ytd only) | 3.7134% | 3,542 |
| Net charge-offs to loans | 0.1935% | 894 |
| Credit loss provision to net charge-offs | 129.6319% | 1,827 |
| Earnings coverage of net charge-offs (x) | 13.3672% | 2,301 |
| Efficiency ratio | 53.7600% | 4,420 |
| Assets per employee ($millions) | 9.4860% | 407 |
| Cash dividends to net income (ytd only)* | 69.5378% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7251% | 4,596 |
| Loan loss allowance to noncurrent loans | 201.4159% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 3,325 |
| Noncurrent loans to loans | 0.3600% | 3,258 |
| Net loans and leases to total assets | 76.2673% | 1,432 |
| Net loans and leases to deposits | 95.8065% | 1,037 |
| Net loans and leases to core deposits | 113.8094% | 765 |
| Total domestic deposits to total assets | 79.6056% | 4,069 |
| Equity capital to assets | 11.0359% | 3,071 |
| Core capital (leverage) ratio | 9.8519% | 3,782 |
| Tier 1 risk-based capital ratio | 11.2102% | 4,819 |
| Total risk-based capital ratio | 11.8630% | 4,967 |
| Memoranda: | ||
| Average total assets | $43,482,461,750 | 48 |
| Average earning assets | $40,181,089,000 | 46 |
| Average equity | $4,718,669,250 | 51 |
| Average total loans | $33,612,052,500 | 40 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 919 |
| Cost of funding earning assets | 1.0728% | 1,408 |
| Net interest margin | 4.1613% | 1,455 |
| Noninterest income to average assets | 0.6352% | 1,996 |
| Noninterest expense to average assets | 2.4803% | 3,548 |
| Loan and lease loss provision to assets | 0.1695% | 1,074 |
| Net operating income to assets | 1.3678% | 1,523 |
| Return on assets (ROA) | 1.3628% | 1,597 |
| Pretax return on assets | 1.8314% | 968 |
| Return on Equity (ROE) | 12.6389% | 1,354 |
| Retained earnings to average equity (ytd only) | 3.8313% | 3,330 |
| Net charge-offs to loans | 0.1769% | 925 |
| Credit loss provision to net charge-offs | 123.6291% | 1,709 |
| Earnings coverage of net charge-offs (x) | 14.6430% | 2,022 |
| Efficiency ratio | 54.6575% | 4,393 |
| Assets per employee ($millions) | 9.5370% | 392 |
| Cash dividends to net income (ytd only)* | 69.6864% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7105% | 4,689 |
| Loan loss allowance to noncurrent loans | 197.1218% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 3,304 |
| Noncurrent loans to loans | 0.3604% | 3,246 |
| Net loans and leases to total assets | 76.1591% | 1,519 |
| Net loans and leases to deposits | 93.7679% | 1,283 |
| Net loans and leases to core deposits | 111.9144% | 870 |
| Total domestic deposits to total assets | 81.2208% | 3,745 |
| Equity capital to assets | 10.9507% | 3,121 |
| Core capital (leverage) ratio | 9.8038% | 3,825 |
| Tier 1 risk-based capital ratio | 11.1326% | 4,856 |
| Total risk-based capital ratio | 11.7699% | 5,016 |
| Memoranda: | ||
| Average total assets | $42,119,136,330 | 48 |
| Average earning assets | $38,990,818,670 | 48 |
| Average equity | $4,541,541,330 | 52 |
| Average total loans | $32,633,656,330 | 41 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4978% | 526 |
| Cost of funding earning assets | 1.0863% | 1,234 |
| Net interest margin | 4.4115% | 875 |
| Noninterest income to average assets | 0.6427% | 1,845 |
| Noninterest expense to average assets | 2.7820% | 2,630 |
| Loan and lease loss provision to assets | 0.2383% | 629 |
| Net operating income to assets | 1.2837% | 1,764 |
| Return on assets (ROA) | 1.2860% | 1,792 |
| Pretax return on assets | 1.7168% | 1,169 |
| Return on Equity (ROE) | 12.0382% | 1,516 |
| Retained earnings to average equity (ytd only) | 2.5740% | 3,898 |
| Net charge-offs to loans | 0.2216% | 638 |
| Credit loss provision to net charge-offs | 137.9272% | 1,309 |
| Earnings coverage of net charge-offs (x) | 11.3003% | 1,915 |
| Efficiency ratio | 58.0387% | 4,070 |
| Assets per employee ($millions) | 9.3566% | 417 |
| Cash dividends to net income (ytd only)* | 78.6182% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 4,733 |
| Loan loss allowance to noncurrent loans | 173.1185% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3433% | 3,232 |
| Noncurrent loans to loans | 0.4160% | 3,098 |
| Net loans and leases to total assets | 76.1205% | 1,460 |
| Net loans and leases to deposits | 92.1643% | 1,384 |
| Net loans and leases to core deposits | 109.2772% | 969 |
| Total domestic deposits to total assets | 82.5921% | 3,543 |
| Equity capital to assets | 10.8211% | 3,024 |
| Core capital (leverage) ratio | 9.8024% | 3,815 |
| Tier 1 risk-based capital ratio | 11.1311% | 4,920 |
| Total risk-based capital ratio | 11.7794% | 5,077 |
| Memoranda: | ||
| Average total assets | $39,565,040,000 | 52 |
| Average earning assets | $36,694,719,500 | 49 |
| Average equity | $4,226,439,500 | 57 |
| Average total loans | $30,837,846,000 | 44 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 2,361 |
| Cost of funding earning assets | 0.5800% | 2,852 |
| Net interest margin | 3.9525% | 2,151 |
| Noninterest income to average assets | 0.7341% | 1,715 |
| Noninterest expense to average assets | 2.3927% | 3,900 |
| Loan and lease loss provision to assets | 0.1629% | 1,246 |
| Net operating income to assets | 1.4559% | 1,255 |
| Return on assets (ROA) | 1.4525% | 1,255 |
| Pretax return on assets | 1.8668% | 779 |
| Return on Equity (ROE) | 13.9722% | 1,047 |
| Retained earnings to average equity (ytd only) | 6.3938% | 1,975 |
| Net charge-offs to loans | 0.1991% | 961 |
| Credit loss provision to net charge-offs | 102.5531% | 2,464 |
| Earnings coverage of net charge-offs (x) | 12.8035% | 2,503 |
| Efficiency ratio | 53.9689% | 4,621 |
| Assets per employee ($millions) | 7.6213% | 758 |
| Cash dividends to net income (ytd only)* | 54.2391% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 3,889 |
| Loan loss allowance to noncurrent loans | 223.6359% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3630% | 3,098 |
| Noncurrent loans to loans | 0.4312% | 2,991 |
| Net loans and leases to total assets | 78.9869% | 1,097 |
| Net loans and leases to deposits | 95.5408% | 1,116 |
| Net loans and leases to core deposits | 105.9552% | 1,271 |
| Total domestic deposits to total assets | 82.6735% | 3,432 |
| Equity capital to assets | 10.4840% | 3,211 |
| Core capital (leverage) ratio | 10.5104% | 3,017 |
| Tier 1 risk-based capital ratio | 11.6235% | 4,655 |
| Total risk-based capital ratio | 12.4859% | 4,766 |
| Memoranda: | ||
| Average total assets | $31,731,943,600 | 60 |
| Average earning assets | $29,645,354,000 | 57 |
| Average equity | $3,298,858,400 | 67 |
| Average total loans | $25,315,397,000 | 50 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 2,416 |
| Cost of funding earning assets | 0.5339% | 2,967 |
| Net interest margin | 3.9307% | 2,195 |
| Noninterest income to average assets | 0.7447% | 1,695 |
| Noninterest expense to average assets | 2.3972% | 3,861 |
| Loan and lease loss provision to assets | 0.1673% | 1,124 |
| Net operating income to assets | 1.4702% | 1,272 |
| Return on assets (ROA) | 1.4655% | 1,292 |
| Pretax return on assets | 1.8479% | 911 |
| Return on Equity (ROE) | 14.1281% | 1,085 |
| Retained earnings to average equity (ytd only) | 6.7880% | 2,243 |
| Net charge-offs to loans | 0.1981% | 853 |
| Credit loss provision to net charge-offs | 105.8395% | 2,178 |
| Earnings coverage of net charge-offs (x) | 12.7866% | 2,424 |
| Efficiency ratio | 54.1728% | 4,598 |
| Assets per employee ($millions) | 7.5314% | 761 |
| Cash dividends to net income (ytd only)* | 51.9539% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,882 |
| Loan loss allowance to noncurrent loans | 221.9447% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 3,164 |
| Noncurrent loans to loans | 0.4423% | 3,070 |
| Net loans and leases to total assets | 79.2947% | 1,120 |
| Net loans and leases to deposits | 95.0969% | 1,257 |
| Net loans and leases to core deposits | 105.8220% | 1,322 |
| Total domestic deposits to total assets | 83.3831% | 3,170 |
| Equity capital to assets | 10.3743% | 3,258 |
| Core capital (leverage) ratio | 10.5557% | 3,024 |
| Tier 1 risk-based capital ratio | 11.6413% | 4,713 |
| Total risk-based capital ratio | 12.5178% | 4,814 |
| Memoranda: | ||
| Average total assets | $31,519,703,250 | 60 |
| Average earning assets | $29,457,829,250 | 57 |
| Average equity | $3,269,631,000 | 68 |
| Average total loans | $25,147,944,250 | 50 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 2,484 |
| Cost of funding earning assets | 0.4884% | 3,105 |
| Net interest margin | 3.8924% | 2,225 |
| Noninterest income to average assets | 0.7455% | 1,667 |
| Noninterest expense to average assets | 2.3345% | 4,062 |
| Loan and lease loss provision to assets | 0.1566% | 1,201 |
| Net operating income to assets | 1.4654% | 1,241 |
| Return on assets (ROA) | 1.4585% | 1,255 |
| Pretax return on assets | 1.8867% | 796 |
| Return on Equity (ROE) | 14.0603% | 1,065 |
| Retained earnings to average equity (ytd only) | 7.2982% | 1,920 |
| Net charge-offs to loans | 0.1769% | 886 |
| Credit loss provision to net charge-offs | 111.1131% | 1,879 |
| Earnings coverage of net charge-offs (x) | 14.5558% | 2,090 |
| Efficiency ratio | 53.1338% | 4,769 |
| Assets per employee ($millions) | 7.4835% | 770 |
| Cash dividends to net income (ytd only)* | 48.0937% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 3,846 |
| Loan loss allowance to noncurrent loans | 204.1863% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 3,092 |
| Noncurrent loans to loans | 0.4894% | 2,967 |
| Net loans and leases to total assets | 78.8565% | 1,183 |
| Net loans and leases to deposits | 92.9355% | 1,482 |
| Net loans and leases to core deposits | 103.5691% | 1,429 |
| Total domestic deposits to total assets | 84.8508% | 2,727 |
| Equity capital to assets | 10.3863% | 3,229 |
| Core capital (leverage) ratio | 10.4492% | 3,084 |
| Tier 1 risk-based capital ratio | 11.7155% | 4,679 |
| Total risk-based capital ratio | 12.6144% | 4,762 |
| Memoranda: | ||
| Average total assets | $31,364,372,670 | 61 |
| Average earning assets | $29,338,700,000 | 57 |
| Average equity | $3,253,412,000 | 69 |
| Average total loans | $24,992,457,670 | 49 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2825% | 2,592 |
| Cost of funding earning assets | 0.4469% | 3,222 |
| Net interest margin | 3.8356% | 2,279 |
| Noninterest income to average assets | 0.7394% | 1,662 |
| Noninterest expense to average assets | 2.3184% | 4,150 |
| Loan and lease loss provision to assets | 0.1636% | 1,098 |
| Net operating income to assets | 1.4286% | 1,253 |
| Return on assets (ROA) | 1.4281% | 1,265 |
| Pretax return on assets | 1.8472% | 830 |
| Return on Equity (ROE) | 13.7765% | 1,063 |
| Retained earnings to average equity (ytd only) | 8.2171% | 1,760 |
| Net charge-offs to loans | 0.0688% | 1,423 |
| Credit loss provision to net charge-offs | 298.5047% | 828 |
| Earnings coverage of net charge-offs (x) | 36.6965% | 1,115 |
| Efficiency ratio | 53.4588% | 4,845 |
| Assets per employee ($millions) | 7.4617% | 783 |
| Cash dividends to net income (ytd only)* | 40.3544% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,761 |
| Loan loss allowance to noncurrent loans | 195.1457% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 3,098 |
| Noncurrent loans to loans | 0.5296% | 2,935 |
| Net loans and leases to total assets | 78.7027% | 1,126 |
| Net loans and leases to deposits | 93.2738% | 1,305 |
| Net loans and leases to core deposits | 104.5564% | 1,342 |
| Total domestic deposits to total assets | 84.3781% | 3,159 |
| Equity capital to assets | 10.3505% | 3,220 |
| Core capital (leverage) ratio | 10.3443% | 3,127 |
| Tier 1 risk-based capital ratio | 11.6309% | 4,782 |
| Total risk-based capital ratio | 12.5648% | 4,861 |
| Memoranda: | ||
| Average total assets | $31,233,827,500 | 61 |
| Average earning assets | $29,237,878,500 | 59 |
| Average equity | $3,237,754,500 | 69 |
| Average total loans | $24,893,455,500 | 50 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0464% | 3,255 |
| Cost of funding earning assets | 0.3346% | 3,836 |
| Net interest margin | 3.7118% | 2,756 |
| Noninterest income to average assets | 0.9640% | 1,105 |
| Noninterest expense to average assets | 2.3911% | 4,102 |
| Loan and lease loss provision to assets | 0.2198% | 899 |
| Net operating income to assets | 1.0479% | 2,061 |
| Return on assets (ROA) | 1.0402% | 2,123 |
| Pretax return on assets | 1.8139% | 769 |
| Return on Equity (ROE) | 9.7974% | 1,982 |
| Retained earnings to average equity (ytd only) | 1.1084% | 4,586 |
| Net charge-offs to loans | 0.2859% | 924 |
| Credit loss provision to net charge-offs | 96.6051% | 2,673 |
| Earnings coverage of net charge-offs (x) | 8.9916% | 2,838 |
| Efficiency ratio | 53.8153% | 4,964 |
| Assets per employee ($millions) | 7.4488% | 786 |
| Cash dividends to net income (ytd only)* | 88.6869% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,920 |
| Loan loss allowance to noncurrent loans | 189.9141% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 3,130 |
| Noncurrent loans to loans | 0.5282% | 2,926 |
| Net loans and leases to total assets | 79.0761% | 1,104 |
| Net loans and leases to deposits | 93.3438% | 1,350 |
| Net loans and leases to core deposits | 104.5003% | 1,378 |
| Total domestic deposits to total assets | 84.7149% | 2,943 |
| Equity capital to assets | 10.3819% | 3,290 |
| Core capital (leverage) ratio | 10.1171% | 3,288 |
| Tier 1 risk-based capital ratio | 11.4254% | 4,903 |
| Total risk-based capital ratio | 12.3346% | 4,982 |
| Memoranda: | ||
| Average total assets | $30,698,425,000 | 60 |
| Average earning assets | $28,720,981,200 | 57 |
| Average equity | $3,259,398,400 | 63 |
| Average total loans | $24,428,527,400 | 48 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 3,407 |
| Cost of funding earning assets | 0.3113% | 4,011 |
| Net interest margin | 3.6725% | 2,851 |
| Noninterest income to average assets | 1.0356% | 950 |
| Noninterest expense to average assets | 2.3800% | 4,068 |
| Loan and lease loss provision to assets | 0.2567% | 667 |
| Net operating income to assets | 1.1903% | 1,737 |
| Return on assets (ROA) | 1.1799% | 1,822 |
| Pretax return on assets | 1.8189% | 845 |
| Return on Equity (ROE) | 11.0501% | 1,679 |
| Retained earnings to average equity (ytd only) | 2.2669% | 4,508 |
| Net charge-offs to loans | 0.3336% | 627 |
| Credit loss provision to net charge-offs | 96.7861% | 2,362 |
| Earnings coverage of net charge-offs (x) | 7.8863% | 2,830 |
| Efficiency ratio | 53.1508% | 4,997 |
| Assets per employee ($millions) | 7.6147% | 726 |
| Cash dividends to net income (ytd only)* | 79.4854% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,973 |
| Loan loss allowance to noncurrent loans | 186.7208% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 3,214 |
| Noncurrent loans to loans | 0.5442% | 3,069 |
| Net loans and leases to total assets | 77.2113% | 1,394 |
| Net loans and leases to deposits | 92.1761% | 1,545 |
| Net loans and leases to core deposits | 105.6144% | 1,297 |
| Total domestic deposits to total assets | 83.7650% | 3,205 |
| Equity capital to assets | 10.3493% | 3,538 |
| Core capital (leverage) ratio | 10.3978% | 3,089 |
| Tier 1 risk-based capital ratio | 11.5923% | 4,891 |
| Total risk-based capital ratio | 12.5174% | 4,993 |
| Memoranda: | ||
| Average total assets | $30,596,481,750 | 57 |
| Average earning assets | $28,626,289,000 | 55 |
| Average equity | $3,266,891,500 | 61 |
| Average total loans | $24,323,948,000 | 47 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,429 |
| Cost of funding earning assets | 0.2933% | 4,146 |
| Net interest margin | 3.6428% | 2,865 |
| Noninterest income to average assets | 0.7443% | 1,792 |
| Noninterest expense to average assets | 2.3858% | 4,087 |
| Loan and lease loss provision to assets | 0.1269% | 1,635 |
| Net operating income to assets | 1.0727% | 2,114 |
| Return on assets (ROA) | 1.0911% | 2,075 |
| Pretax return on assets | 1.6678% | 1,131 |
| Return on Equity (ROE) | 10.1112% | 1,985 |
| Retained earnings to average equity (ytd only) | 0.0039% | 5,069 |
| Net charge-offs to loans | 0.1878% | 1,060 |
| Credit loss provision to net charge-offs | 84.4295% | 2,212 |
| Earnings coverage of net charge-offs (x) | 11.7554% | 2,248 |
| Efficiency ratio | 57.3832% | 4,667 |
| Assets per employee ($millions) | 7.4583% | 756 |
| Cash dividends to net income (ytd only)* | 99.9613% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0129% | 4,067 |
| Loan loss allowance to noncurrent loans | 151.2839% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 2,784 |
| Noncurrent loans to loans | 0.6696% | 2,744 |
| Net loans and leases to total assets | 79.4007% | 1,037 |
| Net loans and leases to deposits | 95.2040% | 1,155 |
| Net loans and leases to core deposits | 104.9036% | 1,299 |
| Total domestic deposits to total assets | 83.4006% | 3,427 |
| Equity capital to assets | 10.4568% | 3,396 |
| Core capital (leverage) ratio | 10.2041% | 3,270 |
| Tier 1 risk-based capital ratio | 11.3658% | 5,043 |
| Total risk-based capital ratio | 12.2859% | 5,130 |
| Memoranda: | ||
| Average total assets | $30,294,690,000 | 58 |
| Average earning assets | $28,341,416,330 | 55 |
| Average equity | $3,269,111,670 | 59 |
| Average total loans | $24,241,035,670 | 47 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8597% | 3,553 |
| Cost of funding earning assets | 0.2759% | 4,290 |
| Net interest margin | 3.5838% | 2,943 |
| Noninterest income to average assets | 0.7103% | 1,918 |
| Noninterest expense to average assets | 2.4216% | 4,052 |
| Loan and lease loss provision to assets | 0.1156% | 1,659 |
| Net operating income to assets | 1.0232% | 2,210 |
| Return on assets (ROA) | 1.0612% | 2,064 |
| Pretax return on assets | 1.5822% | 1,283 |
| Return on Equity (ROE) | 9.6826% | 2,107 |
| Retained earnings to average equity (ytd only) | -2.4122% | 5,210 |
| Net charge-offs to loans | 0.1148% | 1,251 |
| Credit loss provision to net charge-offs | 126.0442% | 1,342 |
| Earnings coverage of net charge-offs (x) | 17.8919% | 1,583 |
| Efficiency ratio | 59.5472% | 4,522 |
| Assets per employee ($millions) | 7.4203% | 780 |
| Cash dividends to net income (ytd only)* | 124.9126% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0420% | 4,023 |
| Loan loss allowance to noncurrent loans | 149.4478% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 2,780 |
| Noncurrent loans to loans | 0.6972% | 2,756 |
| Net loans and leases to total assets | 78.9830% | 990 |
| Net loans and leases to deposits | 94.6750% | 1,048 |
| Net loans and leases to core deposits | 103.8158% | 1,234 |
| Total domestic deposits to total assets | 83.4254% | 3,684 |
| Equity capital to assets | 10.8192% | 2,837 |
| Core capital (leverage) ratio | 10.5835% | 2,810 |
| Tier 1 risk-based capital ratio | 11.7826% | 4,862 |
| Total risk-based capital ratio | 12.7277% | 4,943 |
| Memoranda: | ||
| Average total assets | $30,174,892,000 | 58 |
| Average earning assets | $28,225,864,500 | 55 |
| Average equity | $3,307,218,000 | 58 |
| Average total loans | $24,115,287,500 | 48 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7342% | 4,111 |
| Cost of funding earning assets | 0.2608% | 4,455 |
| Net interest margin | 3.4734% | 3,532 |
| Noninterest income to average assets | 0.7516% | 1,951 |
| Noninterest expense to average assets | 2.3509% | 4,417 |
| Loan and lease loss provision to assets | 0.0960% | 2,446 |
| Net operating income to assets | 0.9857% | 2,411 |
| Return on assets (ROA) | 0.9862% | 2,512 |
| Pretax return on assets | 1.5627% | 1,389 |
| Return on Equity (ROE) | 8.6484% | 2,590 |
| Retained earnings to average equity (ytd only) | -1.1109% | 5,456 |
| Net charge-offs to loans | 0.1242% | 2,013 |
| Credit loss provision to net charge-offs | 97.4440% | 2,652 |
| Earnings coverage of net charge-offs (x) | 16.8353% | 2,087 |
| Efficiency ratio | 58.6013% | 4,776 |
| Assets per employee ($millions) | 7.2936% | 806 |
| Cash dividends to net income (ytd only)* | 112.8457% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 3,995 |
| Loan loss allowance to noncurrent loans | 160.7783% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5934% | 2,952 |
| Noncurrent loans to loans | 0.6547% | 2,892 |
| Net loans and leases to total assets | 79.1820% | 1,008 |
| Net loans and leases to deposits | 95.0556% | 1,085 |
| Net loans and leases to core deposits | 104.3128% | 1,257 |
| Total domestic deposits to total assets | 83.3006% | 3,662 |
| Equity capital to assets | 11.1040% | 2,536 |
| Core capital (leverage) ratio | 10.6846% | 2,675 |
| Tier 1 risk-based capital ratio | 11.9736% | 4,744 |
| Total risk-based capital ratio | 12.9277% | 4,843 |
| Memoranda: | ||
| Average total assets | $29,203,094,200 | 56 |
| Average earning assets | $27,384,455,000 | 55 |
| Average equity | $3,330,155,000 | 54 |
| Average total loans | $23,144,152,600 | 48 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7101% | 4,216 |
| Cost of funding earning assets | 0.2615% | 4,491 |
| Net interest margin | 3.4485% | 3,676 |
| Noninterest income to average assets | 0.7526% | 1,957 |
| Noninterest expense to average assets | 2.3618% | 4,375 |
| Loan and lease loss provision to assets | 0.0999% | 2,236 |
| Net operating income to assets | 0.9628% | 2,606 |
| Return on assets (ROA) | 0.9632% | 2,739 |
| Pretax return on assets | 1.5274% | 1,622 |
| Return on Equity (ROE) | 8.3896% | 2,814 |
| Retained earnings to average equity (ytd only) | -2.0100% | 5,595 |
| Net charge-offs to loans | 0.1187% | 1,760 |
| Credit loss provision to net charge-offs | 106.4977% | 2,259 |
| Earnings coverage of net charge-offs (x) | 17.3330% | 2,057 |
| Efficiency ratio | 59.2009% | 4,661 |
| Assets per employee ($millions) | 7.3382% | 777 |
| Cash dividends to net income (ytd only)* | 123.9589% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,911 |
| Loan loss allowance to noncurrent loans | 162.6451% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 3,052 |
| Noncurrent loans to loans | 0.6677% | 3,026 |
| Net loans and leases to total assets | 78.3477% | 1,137 |
| Net loans and leases to deposits | 94.7228% | 1,176 |
| Net loans and leases to core deposits | 103.8379% | 1,355 |
| Total domestic deposits to total assets | 82.7126% | 3,703 |
| Equity capital to assets | 11.2882% | 2,715 |
| Core capital (leverage) ratio | 10.8785% | 2,594 |
| Tier 1 risk-based capital ratio | 12.1647% | 4,693 |
| Total risk-based capital ratio | 13.1492% | 4,746 |
| Memoranda: | ||
| Average total assets | $29,035,214,750 | 57 |
| Average earning assets | $27,245,440,250 | 56 |
| Average equity | $3,333,374,500 | 53 |
| Average total loans | $22,953,455,750 | 49 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7049% | 4,286 |
| Cost of funding earning assets | 0.2653% | 4,497 |
| Net interest margin | 3.4396% | 3,730 |
| Noninterest income to average assets | 0.7315% | 1,999 |
| Noninterest expense to average assets | 2.3665% | 4,439 |
| Loan and lease loss provision to assets | 0.1118% | 2,007 |
| Net operating income to assets | 0.9327% | 2,712 |
| Return on assets (ROA) | 0.9330% | 2,844 |
| Pretax return on assets | 1.4784% | 1,745 |
| Return on Equity (ROE) | 8.0807% | 2,943 |
| Retained earnings to average equity (ytd only) | -2.7146% | 5,601 |
| Net charge-offs to loans | 0.1184% | 1,652 |
| Credit loss provision to net charge-offs | 119.5366% | 1,876 |
| Earnings coverage of net charge-offs (x) | 16.9963% | 1,900 |
| Efficiency ratio | 59.7955% | 4,668 |
| Assets per employee ($millions) | 7.2305% | 793 |
| Cash dividends to net income (ytd only)* | 133.5936% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,938 |
| Loan loss allowance to noncurrent loans | 159.3479% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 3,044 |
| Noncurrent loans to loans | 0.6914% | 3,006 |
| Net loans and leases to total assets | 78.3506% | 1,152 |
| Net loans and leases to deposits | 94.7972% | 1,209 |
| Net loans and leases to core deposits | 104.8334% | 1,259 |
| Total domestic deposits to total assets | 82.6508% | 3,774 |
| Equity capital to assets | 11.4183% | 2,627 |
| Core capital (leverage) ratio | 10.9202% | 2,516 |
| Tier 1 risk-based capital ratio | 12.0566% | 4,787 |
| Total risk-based capital ratio | 13.0413% | 4,859 |
| Memoranda: | ||
| Average total assets | $28,882,898,000 | 57 |
| Average earning assets | $27,079,216,670 | 55 |
| Average equity | $3,334,788,670 | 53 |
| Average total loans | $22,817,900,330 | 49 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 4,299 |
| Cost of funding earning assets | 0.2679% | 4,524 |
| Net interest margin | 3.4386% | 3,719 |
| Noninterest income to average assets | 0.7361% | 1,879 |
| Noninterest expense to average assets | 2.3652% | 4,474 |
| Loan and lease loss provision to assets | 0.1316% | 1,603 |
| Net operating income to assets | 0.9107% | 2,699 |
| Return on assets (ROA) | 0.9113% | 2,814 |
| Pretax return on assets | 1.4617% | 1,713 |
| Return on Equity (ROE) | 7.8487% | 3,007 |
| Retained earnings to average equity (ytd only) | -4.1487% | 5,556 |
| Net charge-offs to loans | 0.1302% | 1,322 |
| Credit loss provision to net charge-offs | 128.1220% | 1,371 |
| Earnings coverage of net charge-offs (x) | 15.5001% | 1,657 |
| Efficiency ratio | 59.7218% | 4,785 |
| Assets per employee ($millions) | 7.1273% | 848 |
| Cash dividends to net income (ytd only)* | 152.8585% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 3,966 |
| Loan loss allowance to noncurrent loans | 140.2837% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7521% | 2,822 |
| Noncurrent loans to loans | 0.7948% | 2,847 |
| Net loans and leases to total assets | 78.0783% | 1,091 |
| Net loans and leases to deposits | 95.3880% | 996 |
| Net loans and leases to core deposits | 104.1363% | 1,184 |
| Total domestic deposits to total assets | 81.8533% | 4,267 |
| Equity capital to assets | 11.5276% | 2,421 |
| Core capital (leverage) ratio | 11.0351% | 2,374 |
| Tier 1 risk-based capital ratio | 12.1146% | 4,847 |
| Total risk-based capital ratio | 13.1043% | 4,911 |
| Memoranda: | ||
| Average total assets | $28,715,220,500 | 56 |
| Average earning assets | $26,902,516,500 | 55 |
| Average equity | $3,334,069,500 | 54 |
| Average total loans | $22,652,998,500 | 49 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6681% | 4,462 |
| Cost of funding earning assets | 0.2815% | 4,472 |
| Net interest margin | 3.3866% | 3,957 |
| Noninterest income to average assets | 0.7552% | 1,954 |
| Noninterest expense to average assets | 2.3547% | 4,630 |
| Loan and lease loss provision to assets | 0.0694% | 2,898 |
| Net operating income to assets | 0.9311% | 2,698 |
| Return on assets (ROA) | 0.9375% | 2,752 |
| Pretax return on assets | 1.4927% | 1,580 |
| Return on Equity (ROE) | 7.8487% | 3,039 |
| Retained earnings to average equity (ytd only) | 1.8069% | 4,700 |
| Net charge-offs to loans | 0.1293% | 2,082 |
| Credit loss provision to net charge-offs | 68.5718% | 3,146 |
| Earnings coverage of net charge-offs (x) | 15.3383% | 2,208 |
| Efficiency ratio | 60.2255% | 4,880 |
| Assets per employee ($millions) | 6.9011% | 921 |
| Cash dividends to net income (ytd only)* | 76.9785% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,913 |
| Loan loss allowance to noncurrent loans | 149.5355% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 2,853 |
| Noncurrent loans to loans | 0.7506% | 2,930 |
| Net loans and leases to total assets | 77.9327% | 1,132 |
| Net loans and leases to deposits | 94.1468% | 1,189 |
| Net loans and leases to core deposits | 102.1481% | 1,349 |
| Total domestic deposits to total assets | 82.7779% | 3,916 |
| Equity capital to assets | 11.6951% | 2,198 |
| Core capital (leverage) ratio | 11.1461% | 2,269 |
| Tier 1 risk-based capital ratio | 12.2542% | 4,790 |
| Total risk-based capital ratio | 13.2491% | 4,850 |
| Memoranda: | ||
| Average total assets | $27,699,635,600 | 58 |
| Average earning assets | $25,776,592,600 | 56 |
| Average equity | $3,308,679,600 | 54 |
| Average total loans | $21,670,420,800 | 45 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 4,530 |
| Cost of funding earning assets | 0.2846% | 4,507 |
| Net interest margin | 3.3832% | 4,022 |
| Noninterest income to average assets | 0.7559% | 1,998 |
| Noninterest expense to average assets | 2.3494% | 4,653 |
| Loan and lease loss provision to assets | 0.0688% | 2,798 |
| Net operating income to assets | 0.9249% | 2,833 |
| Return on assets (ROA) | 0.9333% | 2,883 |
| Pretax return on assets | 1.4947% | 1,691 |
| Return on Equity (ROE) | 7.7711% | 3,202 |
| Retained earnings to average equity (ytd only) | -0.3053% | 5,661 |
| Net charge-offs to loans | 0.1526% | 1,614 |
| Credit loss provision to net charge-offs | 57.7358% | 2,935 |
| Earnings coverage of net charge-offs (x) | 13.0090% | 2,362 |
| Efficiency ratio | 60.1974% | 4,867 |
| Assets per employee ($millions) | 6.7785% | 951 |
| Cash dividends to net income (ytd only)* | 103.9285% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 3,978 |
| Loan loss allowance to noncurrent loans | 158.3144% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.7757% | 2,955 |
| Noncurrent loans to loans | 0.7222% | 3,168 |
| Net loans and leases to total assets | 77.7377% | 1,143 |
| Net loans and leases to deposits | 94.3388% | 1,165 |
| Net loans and leases to core deposits | 103.4251% | 1,269 |
| Total domestic deposits to total assets | 82.4027% | 4,024 |
| Equity capital to assets | 11.8863% | 2,185 |
| Core capital (leverage) ratio | 11.1045% | 2,386 |
| Tier 1 risk-based capital ratio | 12.4616% | 4,785 |
| Total risk-based capital ratio | 13.4796% | 4,838 |
| Memoranda: | ||
| Average total assets | $27,492,238,000 | 57 |
| Average earning assets | $25,547,152,500 | 55 |
| Average equity | $3,301,717,250 | 53 |
| Average total loans | $21,466,532,500 | 42 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6629% | 4,534 |
| Cost of funding earning assets | 0.2801% | 4,612 |
| Net interest margin | 3.3828% | 3,961 |
| Noninterest income to average assets | 0.7489% | 1,997 |
| Noninterest expense to average assets | 2.3558% | 4,700 |
| Loan and lease loss provision to assets | 0.0821% | 2,471 |
| Net operating income to assets | 0.9105% | 2,816 |
| Return on assets (ROA) | 0.9232% | 2,890 |
| Pretax return on assets | 1.4686% | 1,734 |
| Return on Equity (ROE) | 7.6604% | 3,229 |
| Retained earnings to average equity (ytd only) | -1.4384% | 5,762 |
| Net charge-offs to loans | 0.1669% | 1,467 |
| Credit loss provision to net charge-offs | 63.1585% | 2,559 |
| Earnings coverage of net charge-offs (x) | 11.7734% | 2,260 |
| Efficiency ratio | 60.5634% | 4,904 |
| Assets per employee ($millions) | 6.7511% | 948 |
| Cash dividends to net income (ytd only)* | 118.7771% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 3,908 |
| Loan loss allowance to noncurrent loans | 144.4723% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 2,866 |
| Noncurrent loans to loans | 0.8164% | 3,081 |
| Net loans and leases to total assets | 76.3713% | 1,321 |
| Net loans and leases to deposits | 93.2093% | 1,230 |
| Net loans and leases to core deposits | 103.3370% | 1,234 |
| Total domestic deposits to total assets | 81.9352% | 4,308 |
| Equity capital to assets | 11.7380% | 2,214 |
| Core capital (leverage) ratio | 11.0395% | 2,386 |
| Tier 1 risk-based capital ratio | 12.4890% | 4,816 |
| Total risk-based capital ratio | 13.5417% | 4,844 |
| Memoranda: | ||
| Average total assets | $27,358,459,000 | 57 |
| Average earning assets | $25,376,961,670 | 55 |
| Average equity | $3,297,121,670 | 52 |
| Average total loans | $21,310,502,000 | 42 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 4,389 |
| Cost of funding earning assets | 0.2689% | 4,804 |
| Net interest margin | 3.4239% | 3,739 |
| Noninterest income to average assets | 0.7310% | 2,015 |
| Noninterest expense to average assets | 2.3673% | 4,695 |
| Loan and lease loss provision to assets | 0.0672% | 2,597 |
| Net operating income to assets | 0.9172% | 2,666 |
| Return on assets (ROA) | 0.9241% | 2,756 |
| Pretax return on assets | 1.4757% | 1,642 |
| Return on Equity (ROE) | 7.5662% | 3,183 |
| Retained earnings to average equity (ytd only) | -1.5079% | 5,619 |
| Net charge-offs to loans | 0.2352% | 1,011 |
| Credit loss provision to net charge-offs | 36.5462% | 2,211 |
| Earnings coverage of net charge-offs (x) | 8.3282% | 2,093 |
| Efficiency ratio | 60.6591% | 5,009 |
| Assets per employee ($millions) | 6.5679% | 1,038 |
| Cash dividends to net income (ytd only)* | 119.9290% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 4,011 |
| Loan loss allowance to noncurrent loans | 131.9141% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 2,728 |
| Noncurrent loans to loans | 0.9062% | 2,972 |
| Net loans and leases to total assets | 76.5064% | 1,137 |
| Net loans and leases to deposits | 93.7142% | 1,012 |
| Net loans and leases to core deposits | 104.9129% | 1,004 |
| Total domestic deposits to total assets | 81.6380% | 4,627 |
| Equity capital to assets | 12.0783% | 1,971 |
| Core capital (leverage) ratio | 11.2526% | 2,190 |
| Tier 1 risk-based capital ratio | 12.5633% | 4,862 |
| Total risk-based capital ratio | 13.6309% | 4,899 |
| Memoranda: | ||
| Average total assets | $27,069,668,000 | 57 |
| Average earning assets | $25,049,783,000 | 56 |
| Average equity | $3,306,111,000 | 52 |
| Average total loans | $21,170,881,500 | 42 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8458% | 4,336 |
| Cost of funding earning assets | 0.2660% | 5,149 |
| Net interest margin | 3.5799% | 3,473 |
| Noninterest income to average assets | 0.8477% | 1,688 |
| Noninterest expense to average assets | 2.6303% | 4,115 |
| Loan and lease loss provision to assets | 0.1296% | 2,024 |
| Net operating income to assets | 0.8808% | 2,967 |
| Return on assets (ROA) | 0.8841% | 3,036 |
| Pretax return on assets | 1.3820% | 1,946 |
| Return on Equity (ROE) | 7.0456% | 3,597 |
| Retained earnings to average equity (ytd only) | 1.5221% | 5,071 |
| Net charge-offs to loans | 0.3570% | 1,223 |
| Credit loss provision to net charge-offs | 46.4625% | 3,557 |
| Earnings coverage of net charge-offs (x) | 5.4024% | 3,425 |
| Efficiency ratio | 63.5269% | 4,664 |
| Assets per employee ($millions) | 6.3710% | 1,133 |
| Cash dividends to net income (ytd only)* | 78.3959% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 3,795 |
| Loan loss allowance to noncurrent loans | 132.1328% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.0257% | 2,693 |
| Noncurrent loans to loans | 0.9344% | 2,984 |
| Net loans and leases to total assets | 78.0272% | 995 |
| Net loans and leases to deposits | 95.9561% | 903 |
| Net loans and leases to core deposits | 107.5413% | 925 |
| Total domestic deposits to total assets | 81.3156% | 4,648 |
| Equity capital to assets | 12.3513% | 1,733 |
| Core capital (leverage) ratio | 11.3916% | 2,060 |
| Tier 1 risk-based capital ratio | 12.7603% | 4,879 |
| Total risk-based capital ratio | 13.8861% | 4,866 |
| Memoranda: | ||
| Average total assets | $26,259,314,200 | 55 |
| Average earning assets | $24,127,078,200 | 53 |
| Average equity | $3,295,057,000 | 48 |
| Average total loans | $20,511,527,600 | 41 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 4,354 |
| Cost of funding earning assets | 0.2681% | 5,226 |
| Net interest margin | 3.5867% | 3,485 |
| Noninterest income to average assets | 0.8501% | 1,696 |
| Noninterest expense to average assets | 2.6415% | 4,043 |
| Loan and lease loss provision to assets | 0.1352% | 1,842 |
| Net operating income to assets | 0.8620% | 3,113 |
| Return on assets (ROA) | 0.8664% | 3,179 |
| Pretax return on assets | 1.3720% | 2,112 |
| Return on Equity (ROE) | 6.8767% | 3,774 |
| Retained earnings to average equity (ytd only) | 4.4466% | 3,487 |
| Net charge-offs to loans | 0.3781% | 1,055 |
| Credit loss provision to net charge-offs | 45.9109% | 3,179 |
| Earnings coverage of net charge-offs (x) | 5.0948% | 3,322 |
| Efficiency ratio | 63.7172% | 4,595 |
| Assets per employee ($millions) | 6.0567% | 1,294 |
| Cash dividends to net income (ytd only)* | 35.3382% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 3,623 |
| Loan loss allowance to noncurrent loans | 114.5179% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.1739% | 2,606 |
| Noncurrent loans to loans | 1.1384% | 2,783 |
| Net loans and leases to total assets | 77.7380% | 986 |
| Net loans and leases to deposits | 96.0721% | 873 |
| Net loans and leases to core deposits | 108.0425% | 848 |
| Total domestic deposits to total assets | 80.9163% | 4,844 |
| Equity capital to assets | 12.7864% | 1,535 |
| Core capital (leverage) ratio | 11.6101% | 1,971 |
| Tier 1 risk-based capital ratio | 13.1883% | 4,738 |
| Total risk-based capital ratio | 14.3802% | 4,711 |
| Memoranda: | ||
| Average total assets | $26,129,786,750 | 56 |
| Average earning assets | $23,981,183,500 | 54 |
| Average equity | $3,291,980,750 | 48 |
| Average total loans | $20,350,693,250 | 42 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 4,334 |
| Cost of funding earning assets | 0.2710% | 5,276 |
| Net interest margin | 3.5795% | 3,444 |
| Noninterest income to average assets | 0.8765% | 1,571 |
| Noninterest expense to average assets | 2.6146% | 4,185 |
| Loan and lease loss provision to assets | 0.1730% | 1,418 |
| Net operating income to assets | 0.8590% | 3,018 |
| Return on assets (ROA) | 0.8655% | 3,070 |
| Pretax return on assets | 1.3763% | 1,983 |
| Return on Equity (ROE) | 6.9046% | 3,672 |
| Retained earnings to average equity (ytd only) | 4.4596% | 3,332 |
| Net charge-offs to loans | 0.4486% | 907 |
| Credit loss provision to net charge-offs | 49.7116% | 2,799 |
| Earnings coverage of net charge-offs (x) | 4.4222% | 3,110 |
| Efficiency ratio | 62.8837% | 4,880 |
| Assets per employee ($millions) | 5.9837% | 1,288 |
| Cash dividends to net income (ytd only)* | 35.4105% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 3,575 |
| Loan loss allowance to noncurrent loans | 109.1154% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 1.3119% | 2,487 |
| Noncurrent loans to loans | 1.2397% | 2,747 |
| Net loans and leases to total assets | 76.8960% | 1,063 |
| Net loans and leases to deposits | 95.3930% | 850 |
| Net loans and leases to core deposits | 106.1555% | 888 |
| Total domestic deposits to total assets | 80.6096% | 5,096 |
| Equity capital to assets | 12.6349% | 1,572 |
| Core capital (leverage) ratio | 11.4326% | 2,065 |
| Tier 1 risk-based capital ratio | 12.9842% | 4,920 |
| Total risk-based capital ratio | 14.2096% | 4,873 |
| Memoranda: | ||
| Average total assets | $26,101,937,330 | 57 |
| Average earning assets | $23,898,505,330 | 55 |
| Average equity | $3,272,060,670 | 49 |
| Average total loans | $20,251,956,670 | 42 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 4,357 |
| Cost of funding earning assets | 0.2780% | 5,304 |
| Net interest margin | 3.5530% | 3,469 |
| Noninterest income to average assets | 0.9060% | 1,370 |
| Noninterest expense to average assets | 2.6174% | 4,214 |
| Loan and lease loss provision to assets | 0.1555% | 1,559 |
| Net operating income to assets | 0.8695% | 2,797 |
| Return on assets (ROA) | 0.8826% | 2,797 |
| Pretax return on assets | 1.4085% | 1,714 |
| Return on Equity (ROE) | 7.0693% | 3,439 |
| Retained earnings to average equity (ytd only) | 4.6041% | 3,356 |
| Net charge-offs to loans | 0.3045% | 1,152 |
| Credit loss provision to net charge-offs | 65.9897% | 2,045 |
| Earnings coverage of net charge-offs (x) | 6.5499% | 2,211 |
| Efficiency ratio | 62.8303% | 5,021 |
| Assets per employee ($millions) | 5.9290% | 1,352 |
| Cash dividends to net income (ytd only)* | 34.8718% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 3,317 |
| Loan loss allowance to noncurrent loans | 82.1438% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 1.7527% | 2,008 |
| Noncurrent loans to loans | 1.7815% | 2,166 |
| Net loans and leases to total assets | 76.1371% | 987 |
| Net loans and leases to deposits | 93.9578% | 798 |
| Net loans and leases to core deposits | 104.0791% | 854 |
| Total domestic deposits to total assets | 81.0333% | 5,225 |
| Equity capital to assets | 12.5276% | 1,558 |
| Core capital (leverage) ratio | 11.2189% | 2,206 |
| Tier 1 risk-based capital ratio | 12.8532% | 5,092 |
| Total risk-based capital ratio | 14.1043% | 5,034 |
| Memoranda: | ||
| Average total assets | $25,991,814,000 | 55 |
| Average earning assets | $23,812,090,000 | 53 |
| Average equity | $3,245,203,000 | 49 |
| Average total loans | $20,118,808,500 | 43 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 4,441 |
| Cost of funding earning assets | 0.3062% | 5,549 |
| Net interest margin | 3.5984% | 3,476 |
| Noninterest income to average assets | 0.8135% | 2,012 |
| Noninterest expense to average assets | 2.6330% | 4,340 |
| Loan and lease loss provision to assets | 0.2570% | 1,397 |
| Net operating income to assets | 0.7380% | 3,617 |
| Return on assets (ROA) | 0.7452% | 3,670 |
| Pretax return on assets | 1.2165% | 2,511 |
| Return on Equity (ROE) | 5.4851% | 4,400 |
| Retained earnings to average equity (ytd only) | -13.7312% | 6,595 |
| Net charge-offs to loans | 0.6644% | 976 |
| Credit loss provision to net charge-offs | 51.0665% | 3,786 |
| Earnings coverage of net charge-offs (x) | 2.9052% | 4,028 |
| Efficiency ratio | 64.1634% | 4,864 |
| Assets per employee ($millions) | 5.8036% | 1,402 |
| Cash dividends to net income (ytd only)* | 350.3349% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 3,182 |
| Loan loss allowance to noncurrent loans | 76.0858% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.9116% | 1,891 |
| Noncurrent loans to loans | 1.9742% | 2,019 |
| Net loans and leases to total assets | 76.3775% | 1,022 |
| Net loans and leases to deposits | 93.7711% | 896 |
| Net loans and leases to core deposits | 102.9785% | 974 |
| Total domestic deposits to total assets | 81.4509% | 5,054 |
| Equity capital to assets | 12.4430% | 1,541 |
| Core capital (leverage) ratio | 10.9397% | 2,445 |
| Tier 1 risk-based capital ratio | 12.6067% | 5,228 |
| Total risk-based capital ratio | 13.8581% | 5,175 |
| Memoranda: | ||
| Average total assets | $26,045,030,400 | 53 |
| Average earning assets | $23,752,850,600 | 51 |
| Average equity | $3,538,646,200 | 50 |
| Average total loans | $19,728,346,400 | 43 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8951% | 4,518 |
| Cost of funding earning assets | 0.3092% | 5,650 |
| Net interest margin | 3.5859% | 3,510 |
| Noninterest income to average assets | 0.8059% | 2,116 |
| Noninterest expense to average assets | 2.5861% | 4,440 |
| Loan and lease loss provision to assets | 0.2668% | 1,322 |
| Net operating income to assets | 0.7704% | 3,510 |
| Return on assets (ROA) | 0.7788% | 3,593 |
| Pretax return on assets | 1.2339% | 2,567 |
| Return on Equity (ROE) | 5.6146% | 4,401 |
| Retained earnings to average equity (ytd only) | -19.4425% | 6,751 |
| Net charge-offs to loans | 0.7171% | 830 |
| Credit loss provision to net charge-offs | 49.4132% | 3,520 |
| Earnings coverage of net charge-offs (x) | 2.7548% | 3,916 |
| Efficiency ratio | 63.3418% | 4,914 |
| Assets per employee ($millions) | 5.7774% | 1,391 |
| Cash dividends to net income (ytd only)* | 446.2850% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5816% | 3,087 |
| Loan loss allowance to noncurrent loans | 72.6465% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 2.0810% | 1,929 |
| Noncurrent loans to loans | 2.1772% | 2,033 |
| Net loans and leases to total assets | 75.0506% | 1,128 |
| Net loans and leases to deposits | 91.6570% | 1,007 |
| Net loans and leases to core deposits | 101.4934% | 1,027 |
| Total domestic deposits to total assets | 81.8820% | 4,964 |
| Equity capital to assets | 12.3243% | 1,689 |
| Core capital (leverage) ratio | 10.7130% | 2,774 |
| Tier 1 risk-based capital ratio | 12.5891% | 5,399 |
| Total risk-based capital ratio | 13.8418% | 5,340 |
| Memoranda: | ||
| Average total assets | $26,086,780,500 | 53 |
| Average earning assets | $23,772,772,500 | 51 |
| Average equity | $3,618,305,500 | 50 |
| Average total loans | $19,643,835,500 | 43 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8693% | 4,593 |
| Cost of funding earning assets | 0.3065% | 5,781 |
| Net interest margin | 3.5628% | 3,512 |
| Noninterest income to average assets | 0.8019% | 2,177 |
| Noninterest expense to average assets | 2.5409% | 4,591 |
| Loan and lease loss provision to assets | 0.3644% | 906 |
| Net operating income to assets | 0.7234% | 3,700 |
| Return on assets (ROA) | 0.7305% | 3,833 |
| Pretax return on assets | 1.1533% | 2,868 |
| Return on Equity (ROE) | 5.0800% | 4,678 |
| Retained earnings to average equity (ytd only) | 5.0800% | 2,996 |
| Net charge-offs to loans | 0.8422% | 740 |
| Credit loss provision to net charge-offs | 57.7055% | 3,058 |
| Earnings coverage of net charge-offs (x) | 2.3857% | 3,725 |
| Efficiency ratio | 62.6191% | 5,078 |
| Assets per employee ($millions) | 5.8262% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 2,852 |
| Loan loss allowance to noncurrent loans | 71.7650% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 2.2066% | 1,958 |
| Noncurrent loans to loans | 2.3412% | 2,012 |
| Net loans and leases to total assets | 73.8608% | 1,273 |
| Net loans and leases to deposits | 92.4703% | 917 |
| Net loans and leases to core deposits | 102.3181% | 926 |
| Total domestic deposits to total assets | 79.8751% | 5,637 |
| Equity capital to assets | 14.4611% | 833 |
| Core capital (leverage) ratio | 12.9869% | 1,164 |
| Tier 1 risk-based capital ratio | 15.4414% | 3,513 |
| Total risk-based capital ratio | 16.6954% | 3,472 |
| Memoranda: | ||
| Average total assets | $26,156,714,670 | 53 |
| Average earning assets | $23,828,878,000 | 51 |
| Average equity | $3,761,356,000 | 49 |
| Average total loans | $19,614,137,670 | 43 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 4,582 |
| Cost of funding earning assets | 0.3125% | 5,871 |
| Net interest margin | 3.5587% | 3,434 |
| Noninterest income to average assets | 0.7866% | 2,182 |
| Noninterest expense to average assets | 2.5289% | 4,660 |
| Loan and lease loss provision to assets | 0.5450% | 487 |
| Net operating income to assets | 0.6147% | 4,143 |
| Return on assets (ROA) | 0.6152% | 4,300 |
| Pretax return on assets | 0.9486% | 3,573 |
| Return on Equity (ROE) | 4.2900% | 4,949 |
| Retained earnings to average equity (ytd only) | 4.2900% | 3,652 |
| Net charge-offs to loans | 1.0962% | 549 |
| Credit loss provision to net charge-offs | 66.3654% | 2,343 |
| Earnings coverage of net charge-offs (x) | 1.8179% | 3,235 |
| Efficiency ratio | 62.6945% | 5,199 |
| Assets per employee ($millions) | 5.6914% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7854% | 2,670 |
| Loan loss allowance to noncurrent loans | 71.4351% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.3777% | 1,957 |
| Noncurrent loans to loans | 2.4993% | 2,069 |
| Net loans and leases to total assets | 73.9487% | 1,090 |
| Net loans and leases to deposits | 91.9151% | 807 |
| Net loans and leases to core deposits | 102.0405% | 822 |
| Total domestic deposits to total assets | 80.4533% | 5,653 |
| Equity capital to assets | 14.5736% | 856 |
| Core capital (leverage) ratio | 12.7986% | 1,193 |
| Tier 1 risk-based capital ratio | 15.3296% | 3,634 |
| Total risk-based capital ratio | 16.5849% | 3,587 |
| Memoranda: | ||
| Average total assets | $26,137,820,500 | 53 |
| Average earning assets | $23,763,316,000 | 51 |
| Average equity | $3,748,033,500 | 49 |
| Average total loans | $19,582,165,500 | 43 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 4,946 |
| Cost of funding earning assets | 0.4228% | 5,767 |
| Net interest margin | 3.6782% | 3,751 |
| Noninterest income to average assets | 0.6801% | 2,836 |
| Noninterest expense to average assets | 2.6424% | 4,593 |
| Loan and lease loss provision to assets | 1.1824% | 307 |
| Net operating income to assets | 2.6591% | 128 |
| Return on assets (ROA) | 2.8078% | 116 |
| Pretax return on assets | 0.4060% | 5,560 |
| Return on Equity (ROE) | 23.1042% | 174 |
| Retained earnings to average equity (ytd only) | 23.1042% | 42 |
| Net charge-offs to loans | 2.3837% | 271 |
| Credit loss provision to net charge-offs | 65.7474% | 4,297 |
| Earnings coverage of net charge-offs (x) | 0.8006% | 5,072 |
| Efficiency ratio | 64.4463% | 4,808 |
| Assets per employee ($millions) | 5.6092% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8555% | 2,427 |
| Loan loss allowance to noncurrent loans | 71.4905% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 2.3930% | 2,046 |
| Noncurrent loans to loans | 2.5955% | 2,039 |
| Net loans and leases to total assets | 73.1696% | 1,312 |
| Net loans and leases to deposits | 90.2450% | 1,056 |
| Net loans and leases to core deposits | 98.6603% | 1,098 |
| Total domestic deposits to total assets | 81.0788% | 5,382 |
| Equity capital to assets | 14.1105% | 1,000 |
| Core capital (leverage) ratio | 12.4080% | 1,359 |
| Tier 1 risk-based capital ratio | 14.8843% | 3,782 |
| Total risk-based capital ratio | 16.1405% | 3,729 |
| Memoranda: | ||
| Average total assets | $26,334,862,000 | 51 |
| Average earning assets | $24,358,395,600 | 49 |
| Average equity | $3,200,372,000 | 50 |
| Average total loans | $19,869,054,800 | 40 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 5,052 |
| Cost of funding earning assets | 0.4515% | 5,785 |
| Net interest margin | 3.6857% | 3,858 |
| Noninterest income to average assets | 0.6987% | 2,719 |
| Noninterest expense to average assets | 2.6494% | 4,563 |
| Loan and lease loss provision to assets | 0.8596% | 534 |
| Net operating income to assets | 0.6110% | 4,342 |
| Return on assets (ROA) | 0.7660% | 3,875 |
| Pretax return on assets | 0.7737% | 4,583 |
| Return on Equity (ROE) | 6.5690% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.5690% | 2,346 |
| Net charge-offs to loans | 1.9014% | 397 |
| Credit loss provision to net charge-offs | 59.7426% | 4,149 |
| Earnings coverage of net charge-offs (x) | 1.0263% | 4,804 |
| Efficiency ratio | 63.9178% | 4,815 |
| Assets per employee ($millions) | 5.3383% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0775% | 1,959 |
| Loan loss allowance to noncurrent loans | 60.4581% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 3.2542% | 1,572 |
| Noncurrent loans to loans | 3.4363% | 1,586 |
| Net loans and leases to total assets | 76.2789% | 925 |
| Net loans and leases to deposits | 91.8208% | 989 |
| Net loans and leases to core deposits | 101.5594% | 1,015 |
| Total domestic deposits to total assets | 81.7291% | 5,113 |
| Equity capital to assets | 12.3344% | 2,007 |
| Core capital (leverage) ratio | 12.1188% | 1,582 |
| Tier 1 risk-based capital ratio | 14.5932% | 4,123 |
| Total risk-based capital ratio | 15.8506% | 4,089 |
| Memoranda: | ||
| Average total assets | $26,312,308,250 | 51 |
| Average earning assets | $24,468,558,750 | 49 |
| Average equity | $3,068,286,750 | 52 |
| Average total loans | $19,911,151,250 | 41 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1432% | 5,156 |
| Cost of funding earning assets | 0.4863% | 5,714 |
| Net interest margin | 3.6569% | 4,002 |
| Noninterest income to average assets | 0.6668% | 2,855 |
| Noninterest expense to average assets | 2.6545% | 4,593 |
| Loan and lease loss provision to assets | 0.8024% | 623 |
| Net operating income to assets | 0.6152% | 4,311 |
| Return on assets (ROA) | 0.7978% | 3,656 |
| Pretax return on assets | 0.7985% | 4,480 |
| Return on Equity (ROE) | 6.9703% | 3,796 |
| Retained earnings to average equity (ytd only) | 6.9703% | 2,117 |
| Net charge-offs to loans | 1.8881% | 461 |
| Credit loss provision to net charge-offs | 56.6991% | 3,887 |
| Earnings coverage of net charge-offs (x) | 1.0022% | 4,524 |
| Efficiency ratio | 64.8679% | 4,740 |
| Assets per employee ($millions) | 5.3143% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2613% | 1,654 |
| Loan loss allowance to noncurrent loans | 58.5653% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 3.4342% | 1,557 |
| Noncurrent loans to loans | 3.8612% | 1,444 |
| Net loans and leases to total assets | 74.0900% | 1,231 |
| Net loans and leases to deposits | 87.8414% | 1,377 |
| Net loans and leases to core deposits | 98.5102% | 1,217 |
| Total domestic deposits to total assets | 82.9090% | 4,788 |
| Equity capital to assets | 11.8850% | 2,238 |
| Core capital (leverage) ratio | 11.6607% | 1,806 |
| Tier 1 risk-based capital ratio | 14.5969% | 4,035 |
| Total risk-based capital ratio | 15.8581% | 3,991 |
| Memoranda: | ||
| Average total assets | $26,566,780,670 | 51 |
| Average earning assets | $24,744,938,330 | 48 |
| Average equity | $3,040,612,670 | 52 |
| Average total loans | $19,914,244,330 | 41 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 5,215 |
| Cost of funding earning assets | 0.5207% | 5,673 |
| Net interest margin | 3.6473% | 4,055 |
| Noninterest income to average assets | 0.6081% | 3,180 |
| Noninterest expense to average assets | 2.5687% | 4,928 |
| Loan and lease loss provision to assets | 0.9489% | 449 |
| Net operating income to assets | 0.4805% | 4,907 |
| Return on assets (ROA) | 0.7739% | 3,744 |
| Pretax return on assets | 0.7863% | 4,469 |
| Return on Equity (ROE) | 6.8904% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.8904% | 2,483 |
| Net charge-offs to loans | 1.8376% | 519 |
| Credit loss provision to net charge-offs | 69.2669% | 2,932 |
| Earnings coverage of net charge-offs (x) | 1.0480% | 3,804 |
| Efficiency ratio | 63.8285% | 4,951 |
| Assets per employee ($millions) | 5.4543% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5157% | 1,330 |
| Loan loss allowance to noncurrent loans | 60.6789% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 3.6236% | 1,568 |
| Noncurrent loans to loans | 4.1459% | 1,457 |
| Net loans and leases to total assets | 72.2369% | 1,360 |
| Net loans and leases to deposits | 87.4259% | 1,239 |
| Net loans and leases to core deposits | 98.8231% | 1,060 |
| Total domestic deposits to total assets | 81.6039% | 5,426 |
| Equity capital to assets | 11.3034% | 2,622 |
| Core capital (leverage) ratio | 11.2710% | 2,058 |
| Tier 1 risk-based capital ratio | 14.2873% | 4,251 |
| Total risk-based capital ratio | 15.5515% | 4,214 |
| Memoranda: | ||
| Average total assets | $26,830,120,500 | 51 |
| Average earning assets | $24,984,566,000 | 48 |
| Average equity | $3,013,485,000 | 53 |
| Average total loans | $20,001,625,000 | 41 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 5,774 |
| Cost of funding earning assets | 0.7002% | 5,539 |
| Net interest margin | 3.5957% | 4,752 |
| Noninterest income to average assets | 0.5867% | 3,243 |
| Noninterest expense to average assets | 2.6734% | 4,844 |
| Loan and lease loss provision to assets | 1.3225% | 612 |
| Net operating income to assets | -0.0414% | 6,096 |
| Return on assets (ROA) | 0.1684% | 5,823 |
| Pretax return on assets | 0.2199% | 5,738 |
| Return on Equity (ROE) | 1.6034% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.6034% | 5,069 |
| Net charge-offs to loans | 2.5547% | 448 |
| Credit loss provision to net charge-offs | 70.2652% | 4,837 |
| Earnings coverage of net charge-offs (x) | 0.6747% | 5,311 |
| Efficiency ratio | 67.4773% | 4,471 |
| Assets per employee ($millions) | 5.3964% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6197% | 1,167 |
| Loan loss allowance to noncurrent loans | 60.7085% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 3.7829% | 1,530 |
| Noncurrent loans to loans | 4.3152% | 1,410 |
| Net loans and leases to total assets | 73.0314% | 1,448 |
| Net loans and leases to deposits | 87.5246% | 1,448 |
| Net loans and leases to core deposits | 100.1671% | 1,162 |
| Total domestic deposits to total assets | 83.1221% | 4,700 |
| Equity capital to assets | 11.1603% | 2,835 |
| Core capital (leverage) ratio | 10.8202% | 2,422 |
| Tier 1 risk-based capital ratio | 13.8724% | 4,424 |
| Total risk-based capital ratio | 15.1379% | 4,367 |
| Memoranda: | ||
| Average total assets | $28,073,688,400 | 47 |
| Average earning assets | $26,206,922,400 | 46 |
| Average equity | $2,948,705,800 | 53 |
| Average total loans | $20,682,782,600 | 38 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 5,940 |
| Cost of funding earning assets | 0.7323% | 5,580 |
| Net interest margin | 3.5712% | 4,893 |
| Noninterest income to average assets | 0.5853% | 3,262 |
| Noninterest expense to average assets | 2.6919% | 4,760 |
| Loan and lease loss provision to assets | 1.5118% | 453 |
| Net operating income to assets | -0.2252% | 6,410 |
| Return on assets (ROA) | -0.0260% | 6,291 |
| Pretax return on assets | 0.0287% | 6,196 |
| Return on Equity (ROE) | -0.2514% | 6,295 |
| Retained earnings to average equity (ytd only) | -0.2514% | 6,022 |
| Net charge-offs to loans | 2.7011% | 385 |
| Credit loss provision to net charge-offs | 76.2932% | 4,269 |
| Earnings coverage of net charge-offs (x) | 0.6204% | 5,165 |
| Efficiency ratio | 68.3306% | 4,253 |
| Assets per employee ($millions) | 5.5366% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9060% | 928 |
| Loan loss allowance to noncurrent loans | 67.7848% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 3.6899% | 1,696 |
| Noncurrent loans to loans | 4.2871% | 1,530 |
| Net loans and leases to total assets | 70.0489% | 2,072 |
| Net loans and leases to deposits | 84.5363% | 1,914 |
| Net loans and leases to core deposits | 99.1092% | 1,326 |
| Total domestic deposits to total assets | 82.4247% | 4,909 |
| Equity capital to assets | 10.5729% | 3,611 |
| Core capital (leverage) ratio | 10.4462% | 2,938 |
| Tier 1 risk-based capital ratio | 13.7106% | 4,568 |
| Total risk-based capital ratio | 14.9797% | 4,516 |
| Memoranda: | ||
| Average total assets | $28,376,284,750 | 47 |
| Average earning assets | $26,506,332,500 | 46 |
| Average equity | $2,936,378,500 | 53 |
| Average total loans | $20,816,870,750 | 37 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 5,916 |
| Cost of funding earning assets | 0.7551% | 5,641 |
| Net interest margin | 3.5738% | 4,819 |
| Noninterest income to average assets | 0.5813% | 3,254 |
| Noninterest expense to average assets | 2.7381% | 4,665 |
| Loan and lease loss provision to assets | 1.5765% | 444 |
| Net operating income to assets | -0.3832% | 6,602 |
| Return on assets (ROA) | -0.3710% | 6,623 |
| Pretax return on assets | -0.3821% | 6,582 |
| Return on Equity (ROE) | -3.6105% | 6,632 |
| Retained earnings to average equity (ytd only) | -3.6105% | 6,434 |
| Net charge-offs to loans | 2.7496% | 401 |
| Credit loss provision to net charge-offs | 77.7382% | 3,836 |
| Earnings coverage of net charge-offs (x) | 0.5828% | 4,865 |
| Efficiency ratio | 69.5296% | 4,200 |
| Assets per employee ($millions) | 5.4160% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0283% | 870 |
| Loan loss allowance to noncurrent loans | 71.4054% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 3.6940% | 1,763 |
| Noncurrent loans to loans | 4.2410% | 1,597 |
| Net loans and leases to total assets | 71.1935% | 1,960 |
| Net loans and leases to deposits | 86.8074% | 1,676 |
| Net loans and leases to core deposits | 105.1297% | 975 |
| Total domestic deposits to total assets | 81.6503% | 5,297 |
| Equity capital to assets | 10.4812% | 3,532 |
| Core capital (leverage) ratio | 10.1631% | 3,077 |
| Tier 1 risk-based capital ratio | 13.4405% | 4,574 |
| Total risk-based capital ratio | 14.7115% | 4,540 |
| Memoranda: | ||
| Average total assets | $28,535,443,670 | 48 |
| Average earning assets | $26,657,546,330 | 47 |
| Average equity | $2,931,929,000 | 54 |
| Average total loans | $21,046,587,330 | 38 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 5,858 |
| Cost of funding earning assets | 0.7751% | 5,714 |
| Net interest margin | 3.5739% | 4,698 |
| Noninterest income to average assets | 0.5523% | 3,491 |
| Noninterest expense to average assets | 2.9701% | 3,768 |
| Loan and lease loss provision to assets | 1.7074% | 347 |
| Net operating income to assets | -0.8151% | 6,969 |
| Return on assets (ROA) | -0.7954% | 6,967 |
| Pretax return on assets | -0.7658% | 6,899 |
| Return on Equity (ROE) | -7.8173% | 6,953 |
| Retained earnings to average equity (ytd only) | -7.8173% | 6,740 |
| Net charge-offs to loans | 2.6922% | 408 |
| Credit loss provision to net charge-offs | 85.7932% | 3,024 |
| Earnings coverage of net charge-offs (x) | 0.4632% | 4,272 |
| Efficiency ratio | 75.9880% | 3,167 |
| Assets per employee ($millions) | 5.3642% | 1,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1667% | 792 |
| Loan loss allowance to noncurrent loans | 78.1910% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 3.6190% | 1,880 |
| Noncurrent loans to loans | 4.0500% | 1,788 |
| Net loans and leases to total assets | 72.0839% | 1,705 |
| Net loans and leases to deposits | 87.5347% | 1,513 |
| Net loans and leases to core deposits | 107.8833% | 845 |
| Total domestic deposits to total assets | 82.1245% | 5,259 |
| Equity capital to assets | 10.2560% | 3,464 |
| Core capital (leverage) ratio | 9.7440% | 3,459 |
| Tier 1 risk-based capital ratio | 13.1207% | 4,734 |
| Total risk-based capital ratio | 14.3941% | 4,696 |
| Memoranda: | ||
| Average total assets | $28,848,931,500 | 48 |
| Average earning assets | $26,958,292,000 | 47 |
| Average equity | $2,935,317,500 | 53 |
| Average total loans | $21,325,140,000 | 38 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 6,720 |
| Cost of funding earning assets | 1.0141% | 5,618 |
| Net interest margin | 3.3215% | 5,903 |
| Noninterest income to average assets | 0.2626% | 5,914 |
| Noninterest expense to average assets | 2.4933% | 5,824 |
| Loan and lease loss provision to assets | 3.8647% | 172 |
| Net operating income to assets | -3.3551% | 7,352 |
| Return on assets (ROA) | -3.2245% | 7,353 |
| Pretax return on assets | -2.8854% | 7,269 |
| Return on Equity (ROE) | -34.1706% | 7,284 |
| Retained earnings to average equity (ytd only) | -35.6138% | 7,287 |
| Net charge-offs to loans | 5.6908% | 113 |
| Credit loss provision to net charge-offs | 92.9092% | 4,994 |
| Earnings coverage of net charge-offs (x) | 0.2040% | 5,902 |
| Efficiency ratio | 74.2592% | 3,342 |
| Assets per employee ($millions) | 6.8979% | 779 |
| Cash dividends to net income (ytd only)* | -4.2236% | 7,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1632% | 756 |
| Loan loss allowance to noncurrent loans | 81.0609% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 3.3851% | 2,068 |
| Noncurrent loans to loans | 3.9023% | 1,877 |
| Net loans and leases to total assets | 71.0997% | 2,282 |
| Net loans and leases to deposits | 85.4067% | 2,206 |
| Net loans and leases to core deposits | 104.0296% | 1,310 |
| Total domestic deposits to total assets | 82.8027% | 4,881 |
| Equity capital to assets | 10.0972% | 3,619 |
| Core capital (leverage) ratio | 9.5667% | 3,609 |
| Tier 1 risk-based capital ratio | 13.0716% | 4,547 |
| Total risk-based capital ratio | 14.3445% | 4,488 |
| Memoranda: | ||
| Average total assets | $32,215,621,000 | 45 |
| Average earning assets | $29,866,641,400 | 45 |
| Average equity | $3,039,997,600 | 52 |
| Average total loans | $23,547,702,800 | 36 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 6,931 |
| Cost of funding earning assets | 1.0518% | 5,690 |
| Net interest margin | 3.2733% | 6,099 |
| Noninterest income to average assets | 0.0940% | 7,074 |
| Noninterest expense to average assets | 2.4391% | 5,919 |
| Loan and lease loss provision to assets | 4.0251% | 157 |
| Net operating income to assets | -3.7610% | 7,550 |
| Return on assets (ROA) | -3.5872% | 7,546 |
| Pretax return on assets | -3.1686% | 7,456 |
| Return on Equity (ROE) | -38.6215% | 7,477 |
| Retained earnings to average equity (ytd only) | -40.5362% | 7,496 |
| Net charge-offs to loans | 5.3054% | 150 |
| Credit loss provision to net charge-offs | 103.9003% | 4,129 |
| Earnings coverage of net charge-offs (x) | 0.1762% | 5,841 |
| Efficiency ratio | 77.7625% | 2,656 |
| Assets per employee ($millions) | 6.9435% | 789 |
| Cash dividends to net income (ytd only)* | -4.9577% | 7,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6162% | 495 |
| Loan loss allowance to noncurrent loans | 62.1948% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 4.8546% | 1,344 |
| Noncurrent loans to loans | 5.8144% | 1,113 |
| Net loans and leases to total assets | 71.7054% | 2,317 |
| Net loans and leases to deposits | 86.9275% | 2,162 |
| Net loans and leases to core deposits | 107.6958% | 1,188 |
| Total domestic deposits to total assets | 82.0105% | 4,983 |
| Equity capital to assets | 9.7085% | 4,535 |
| Core capital (leverage) ratio | 9.1810% | 4,400 |
| Tier 1 risk-based capital ratio | 12.2194% | 5,248 |
| Total risk-based capital ratio | 13.4977% | 5,189 |
| Memoranda: | ||
| Average total assets | $32,892,243,000 | 45 |
| Average earning assets | $30,425,271,000 | 45 |
| Average equity | $3,055,099,500 | 52 |
| Average total loans | $24,018,067,500 | 36 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2856% | 7,072 |
| Cost of funding earning assets | 1.0805% | 5,786 |
| Net interest margin | 3.2051% | 6,302 |
| Noninterest income to average assets | -0.0690% | 7,603 |
| Noninterest expense to average assets | 2.3479% | 6,227 |
| Loan and lease loss provision to assets | 4.4918% | 147 |
| Net operating income to assets | -4.6362% | 7,676 |
| Return on assets (ROA) | -4.3823% | 7,659 |
| Pretax return on assets | -3.6963% | 7,567 |
| Return on Equity (ROE) | -47.8373% | 7,598 |
| Retained earnings to average equity (ytd only) | -50.6833% | 7,607 |
| Net charge-offs to loans | 5.8933% | 140 |
| Credit loss provision to net charge-offs | 104.9788% | 3,885 |
| Earnings coverage of net charge-offs (x) | 0.1266% | 5,594 |
| Efficiency ratio | 80.8657% | 2,319 |
| Assets per employee ($millions) | 7.1169% | 731 |
| Cash dividends to net income (ytd only)* | -5.9494% | 7,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5102% | 536 |
| Loan loss allowance to noncurrent loans | 62.1672% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 4.6379% | 1,408 |
| Noncurrent loans to loans | 5.6464% | 1,159 |
| Net loans and leases to total assets | 70.6149% | 2,767 |
| Net loans and leases to deposits | 86.0134% | 2,504 |
| Net loans and leases to core deposits | 108.9606% | 1,236 |
| Total domestic deposits to total assets | 81.6974% | 5,114 |
| Equity capital to assets | 9.7677% | 4,315 |
| Core capital (leverage) ratio | 9.3118% | 4,093 |
| Tier 1 risk-based capital ratio | 12.3572% | 4,982 |
| Total risk-based capital ratio | 13.6336% | 4,941 |
| Memoranda: | ||
| Average total assets | $33,656,264,000 | 44 |
| Average earning assets | $31,065,937,670 | 44 |
| Average equity | $3,083,190,330 | 52 |
| Average total loans | $24,435,682,000 | 36 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2133% | 7,773 |
| Cost of funding earning assets | 0.8849% | 6,824 |
| Net interest margin | 2.3284% | 7,577 |
| Noninterest income to average assets | 1.1325% | 970 |
| Noninterest expense to average assets | 1.8372% | 7,426 |
| Loan and lease loss provision to assets | 4.2457% | 198 |
| Net operating income to assets | -1.6710% | 7,378 |
| Return on assets (ROA) | 0.6325% | 3,867 |
| Pretax return on assets | -0.5302% | 6,808 |
| Return on Equity (ROE) | 6.8403% | 3,425 |
| Retained earnings to average equity (ytd only) | 6.8403% | 2,198 |
| Net charge-offs to loans | 7.3335% | 118 |
| Credit loss provision to net charge-offs | 99.1995% | 3,467 |
| Earnings coverage of net charge-offs (x) | 0.3299% | 4,746 |
| Efficiency ratio | 56.5427% | 6,691 |
| Assets per employee ($millions) | 11.9087% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4285% | 573 |
| Loan loss allowance to noncurrent loans | 65.2145% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 3.0921% | 2,313 |
| Noncurrent loans to loans | 5.2573% | 1,353 |
| Net loans and leases to total assets | 52.7738% | 6,186 |
| Net loans and leases to deposits | 93.6832% | 1,386 |
| Net loans and leases to core deposits | 165.2637% | 169 |
| Total domestic deposits to total assets | 56.1639% | 7,795 |
| Equity capital to assets | 8.9742% | 5,317 |
| Core capital (leverage) ratio | 8.9985% | 4,576 |
| Tier 1 risk-based capital ratio | 14.0984% | 3,595 |
| Total risk-based capital ratio | 15.3711% | 3,544 |
| Memoranda: | ||
| Average total assets | $7,495,142,500 | 136 |
| Average earning assets | $6,814,055,000 | 134 |
| Average equity | $693,008,500 | 144 |
| Average total loans | $4,374,330,000 | 135 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5138% | 7,829 |
| Cost of funding earning assets | 0.9239% | 7,355 |
| Net interest margin | 2.5899% | 7,342 |
| Noninterest income to average assets | 1.5553% | 593 |
| Noninterest expense to average assets | 2.2532% | 6,864 |
| Loan and lease loss provision to assets | 2.9126% | 612 |
| Net operating income to assets | -0.7524% | 6,404 |
| Return on assets (ROA) | -0.6737% | 6,336 |
| Pretax return on assets | -1.1805% | 6,529 |
| Return on Equity (ROE) | -6.2592% | 6,331 |
| Retained earnings to average equity (ytd only) | -9.2778% | 6,458 |
| Net charge-offs to loans | 3.0479% | 687 |
| Credit loss provision to net charge-offs | 152.6954% | 3,001 |
| Earnings coverage of net charge-offs (x) | 0.8636% | 5,247 |
| Efficiency ratio | 57.7669% | 6,796 |
| Assets per employee ($millions) | 11.3061% | 198 |
| Cash dividends to net income (ytd only)* | -48.2266% | 7,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3414% | 598 |
| Loan loss allowance to noncurrent loans | 58.3668% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 3.9005% | 1,702 |
| Noncurrent loans to loans | 5.7249% | 1,115 |
| Net loans and leases to total assets | 60.2951% | 5,292 |
| Net loans and leases to deposits | 106.6669% | 515 |
| Net loans and leases to core deposits | 116.2474% | 2,292 |
| Total domestic deposits to total assets | 55.8077% | 7,857 |
| Equity capital to assets | 9.5401% | 4,369 |
| Core capital (leverage) ratio | 8.1732% | 5,865 |
| Tier 1 risk-based capital ratio | 13.2691% | 3,972 |
| Total risk-based capital ratio | 14.5413% | 3,895 |
| Memoranda: | ||
| Average total assets | $6,771,382,800 | 139 |
| Average earning assets | $6,131,679,000 | 139 |
| Average equity | $728,812,400 | 135 |
| Average total loans | $4,237,796,800 | 140 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4947% | 7,933 |
| Cost of funding earning assets | 0.8788% | 7,593 |
| Net interest margin | 2.6159% | 7,334 |
| Noninterest income to average assets | 1.8790% | 422 |
| Noninterest expense to average assets | 2.5241% | 5,997 |
| Loan and lease loss provision to assets | 2.6437% | 610 |
| Net operating income to assets | -0.5132% | 6,440 |
| Return on assets (ROA) | -0.4983% | 6,427 |
| Pretax return on assets | -0.8992% | 6,611 |
| Return on Equity (ROE) | -4.4922% | 6,396 |
| Retained earnings to average equity (ytd only) | -8.4601% | 6,656 |
| Net charge-offs to loans | 2.7644% | 642 |
| Credit loss provision to net charge-offs | 152.6779% | 3,129 |
| Earnings coverage of net charge-offs (x) | 0.9941% | 5,060 |
| Efficiency ratio | 59.4542% | 6,487 |
| Assets per employee ($millions) | 11.8428% | 181 |
| Cash dividends to net income (ytd only)* | -88.3286% | 7,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8116% | 781 |
| Loan loss allowance to noncurrent loans | 57.9384% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 3.1958% | 2,121 |
| Noncurrent loans to loans | 4.8527% | 1,396 |
| Net loans and leases to total assets | 57.7523% | 5,922 |
| Net loans and leases to deposits | 109.7472% | 474 |
| Net loans and leases to core deposits | 120.3785% | 2,215 |
| Total domestic deposits to total assets | 51.5234% | 7,966 |
| Equity capital to assets | 9.2608% | 5,079 |
| Core capital (leverage) ratio | 9.6014% | 3,790 |
| Tier 1 risk-based capital ratio | 13.1967% | 4,056 |
| Total risk-based capital ratio | 14.4622% | 3,985 |
| Memoranda: | ||
| Average total assets | $6,663,725,000 | 146 |
| Average earning assets | $6,028,463,750 | 148 |
| Average equity | $739,245,750 | 136 |
| Average total loans | $4,174,102,000 | 148 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4598% | 8,034 |
| Cost of funding earning assets | 0.8986% | 7,698 |
| Net interest margin | 2.5612% | 7,402 |
| Noninterest income to average assets | 2.0763% | 344 |
| Noninterest expense to average assets | 2.5693% | 5,862 |
| Loan and lease loss provision to assets | 2.5910% | 594 |
| Net operating income to assets | -0.4092% | 6,457 |
| Return on assets (ROA) | -0.4092% | 6,465 |
| Pretax return on assets | -0.7589% | 6,657 |
| Return on Equity (ROE) | -3.4577% | 6,413 |
| Retained earnings to average equity (ytd only) | -3.4577% | 6,038 |
| Net charge-offs to loans | 2.7208% | 619 |
| Credit loss provision to net charge-offs | 148.9361% | 3,100 |
| Earnings coverage of net charge-offs (x) | 1.0531% | 4,734 |
| Efficiency ratio | 58.3747% | 6,799 |
| Assets per employee ($millions) | 10.2101% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3161% | 1,080 |
| Loan loss allowance to noncurrent loans | 59.0527% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 3.1843% | 1,974 |
| Noncurrent loans to loans | 3.9221% | 1,736 |
| Net loans and leases to total assets | 70.0547% | 3,697 |
| Net loans and leases to deposits | 126.5997% | 143 |
| Net loans and leases to core deposits | 148.5066% | 691 |
| Total domestic deposits to total assets | 51.1110% | 8,052 |
| Equity capital to assets | 11.2586% | 2,706 |
| Core capital (leverage) ratio | 11.7086% | 1,972 |
| Tier 1 risk-based capital ratio | 13.0732% | 4,090 |
| Total risk-based capital ratio | 14.3325% | 3,999 |
| Memoranda: | ||
| Average total assets | $6,326,932,670 | 158 |
| Average earning assets | $5,743,426,330 | 151 |
| Average equity | $748,765,670 | 140 |
| Average total loans | $4,045,407,330 | 157 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4392% | 8,100 |
| Cost of funding earning assets | 1.0027% | 7,667 |
| Net interest margin | 2.4365% | 7,577 |
| Noninterest income to average assets | 1.8042% | 419 |
| Noninterest expense to average assets | 2.4270% | 6,108 |
| Loan and lease loss provision to assets | 2.8695% | 389 |
| Net operating income to assets | -0.7214% | 7,073 |
| Return on assets (ROA) | -0.7214% | 7,110 |
| Pretax return on assets | -1.2811% | 7,290 |
| Return on Equity (ROE) | -5.9416% | 7,059 |
| Retained earnings to average equity (ytd only) | -5.9416% | 6,676 |
| Net charge-offs to loans | 3.5614% | 342 |
| Credit loss provision to net charge-offs | 134.7407% | 3,006 |
| Earnings coverage of net charge-offs (x) | 0.7459% | 4,430 |
| Efficiency ratio | 60.4417% | 6,331 |
| Assets per employee ($millions) | 8.7230% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5371% | 735 |
| Loan loss allowance to noncurrent loans | 53.0693% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 3.4828% | 1,547 |
| Noncurrent loans to loans | 4.7808% | 1,160 |
| Net loans and leases to total assets | 61.1061% | 5,487 |
| Net loans and leases to deposits | 97.5759% | 1,721 |
| Net loans and leases to core deposits | 112.2342% | 3,199 |
| Total domestic deposits to total assets | 58.0269% | 8,005 |
| Equity capital to assets | 12.6227% | 1,919 |
| Core capital (leverage) ratio | 11.4474% | 2,179 |
| Tier 1 risk-based capital ratio | 14.3719% | 3,378 |
| Total risk-based capital ratio | 15.6300% | 3,295 |
| Memoranda: | ||
| Average total assets | $6,192,542,000 | 161 |
| Average earning assets | $5,619,970,500 | 159 |
| Average equity | $751,855,500 | 141 |
| Average total loans | $3,703,027,500 | 172 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 7,931 |
| Cost of funding earning assets | 1.9420% | 6,609 |
| Net interest margin | 2.8976% | 7,160 |
| Noninterest income to average assets | 2.4179% | 265 |
| Noninterest expense to average assets | 2.4879% | 6,058 |
| Loan and lease loss provision to assets | 1.4774% | 919 |
| Net operating income to assets | 0.7480% | 3,683 |
| Return on assets (ROA) | 0.7480% | 3,521 |
| Pretax return on assets | 1.1100% | 2,992 |
| Return on Equity (ROE) | 5.4116% | 4,195 |
| Retained earnings to average equity (ytd only) | -16.4662% | 7,538 |
| Net charge-offs to loans | 1.5913% | 718 |
| Credit loss provision to net charge-offs | 162.1351% | 3,189 |
| Earnings coverage of net charge-offs (x) | 2.8396% | 4,653 |
| Efficiency ratio | 49.0193% | 7,732 |
| Assets per employee ($millions) | 8.5935% | 387 |
| Cash dividends to net income (ytd only)* | 404.2745% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2064% | 938 |
| Loan loss allowance to noncurrent loans | 89.8710% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.5670% | 3,106 |
| Noncurrent loans to loans | 2.4551% | 2,229 |
| Net loans and leases to total assets | 55.8880% | 6,453 |
| Net loans and leases to deposits | 92.9460% | 2,963 |
| Net loans and leases to core deposits | 104.7366% | 4,326 |
| Total domestic deposits to total assets | 56.7897% | 8,042 |
| Equity capital to assets | 11.7013% | 2,501 |
| Core capital (leverage) ratio | 12.6742% | 1,673 |
| Tier 1 risk-based capital ratio | 13.8910% | 3,596 |
| Total risk-based capital ratio | 15.1454% | 3,520 |
| Memoranda: | ||
| Average total assets | $5,895,521,800 | 168 |
| Average earning assets | $5,406,798,200 | 165 |
| Average equity | $814,891,200 | 135 |
| Average total loans | $3,375,814,800 | 183 |