Home > The Northern Trust Company > Performance and Condition Ratios
The Northern Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3147% | 1,471 |
| Cost of funding earning assets | 3.8651% | 46 |
| Net interest margin | 1.4496% | 4,513 |
| Noninterest income to average assets | 3.2000% | 173 |
| Noninterest expense to average assets | 3.4071% | 650 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8256% | 2,786 |
| Return on assets (ROA) | 0.7373% | 3,067 |
| Pretax return on assets | 0.9774% | 2,731 |
| Return on Equity (ROE) | 9.8200% | 2,551 |
| Retained earnings to average equity (ytd only) | 2.3613% | 3,489 |
| Net charge-offs to loans | 0.0087% | 2,338 |
| Credit loss provision to net charge-offs | 992.1278% | 415 |
| Earnings coverage of net charge-offs (x) | 435.9335% | 325 |
| Efficiency ratio | 75.3693% | 1,312 |
| Assets per employee ($millions) | 6.5506% | 2,388 |
| Cash dividends to net income (ytd only)* | 75.9521% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3752% | 4,395 |
| Loan loss allowance to noncurrent loans | 213.3326% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 3,204 |
| Noncurrent loans to loans | 0.1759% | 2,638 |
| Net loans and leases to total assets | 31.5700% | 4,261 |
| Net loans and leases to deposits | 40.5384% | 4,186 |
| Net loans and leases to core deposits | 115.6216% | 757 |
| Total domestic deposits to total assets | 29.5900% | 4,492 |
| Equity capital to assets | 7.7128% | 3,594 |
| Core capital (leverage) ratio | 7.9880% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8368% | 1,923 |
| Memoranda: | ||
| Average total assets | $151,796,351,200 | 25 |
| Average earning assets | $137,730,300,000 | 24 |
| Average equity | $11,397,543,000 | 28 |
| Average total loans | $44,317,056,800 | 35 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9519% | 1,943 |
| Cost of funding earning assets | 3.4814% | 62 |
| Net interest margin | 1.4704% | 4,534 |
| Noninterest income to average assets | 3.1800% | 189 |
| Noninterest expense to average assets | 3.3374% | 689 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8784% | 2,762 |
| Return on assets (ROA) | 0.8830% | 2,728 |
| Pretax return on assets | 1.1736% | 2,358 |
| Return on Equity (ROE) | 11.8400% | 2,166 |
| Retained earnings to average equity (ytd only) | 5.9658% | 2,644 |
| Net charge-offs to loans | 0.0082% | 2,108 |
| Credit loss provision to net charge-offs | 941.5604% | 423 |
| Earnings coverage of net charge-offs (x) | 504.9839% | 306 |
| Efficiency ratio | 73.7528% | 1,382 |
| Assets per employee ($millions) | 6.3114% | 2,487 |
| Cash dividends to net income (ytd only)* | 49.6109% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3827% | 4,415 |
| Loan loss allowance to noncurrent loans | 158.8145% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 3,119 |
| Noncurrent loans to loans | 0.2410% | 2,381 |
| Net loans and leases to total assets | 29.7700% | 4,316 |
| Net loans and leases to deposits | 39.1717% | 4,228 |
| Net loans and leases to core deposits | 112.9395% | 768 |
| Total domestic deposits to total assets | 28.7900% | 4,525 |
| Equity capital to assets | 7.9542% | 3,080 |
| Core capital (leverage) ratio | 7.7837% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1737% | 1,830 |
| Memoranda: | ||
| Average total assets | $152,182,457,250 | 26 |
| Average earning assets | $137,902,051,750 | 25 |
| Average equity | $11,349,788,750 | 27 |
| Average total loans | $43,492,075,750 | 37 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 2,546 |
| Cost of funding earning assets | 3.0371% | 80 |
| Net interest margin | 1.5053% | 4,577 |
| Noninterest income to average assets | 3.1100% | 175 |
| Noninterest expense to average assets | 3.3260% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8647% | 2,876 |
| Return on assets (ROA) | 0.8716% | 2,839 |
| Pretax return on assets | 1.1587% | 2,481 |
| Return on Equity (ROE) | 11.9400% | 2,177 |
| Retained earnings to average equity (ytd only) | 7.4990% | 2,126 |
| Net charge-offs to loans | 0.0135% | 1,687 |
| Credit loss provision to net charge-offs | 379.2066% | 752 |
| Earnings coverage of net charge-offs (x) | 303.2627% | 446 |
| Efficiency ratio | 74.1849% | 1,327 |
| Assets per employee ($millions) | 6.7776% | 2,082 |
| Cash dividends to net income (ytd only)* | 37.1774% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3379% | 4,465 |
| Loan loss allowance to noncurrent loans | 244.6179% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 3,379 |
| Noncurrent loans to loans | 0.1382% | 2,778 |
| Net loans and leases to total assets | 28.5000% | 4,352 |
| Net loans and leases to deposits | 39.5585% | 4,226 |
| Net loans and leases to core deposits | 122.7437% | 459 |
| Total domestic deposits to total assets | 25.0300% | 4,555 |
| Equity capital to assets | 7.2703% | 3,655 |
| Core capital (leverage) ratio | 7.3832% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8838% | 1,940 |
| Memoranda: | ||
| Average total assets | $154,304,128,333 | 25 |
| Average earning assets | $140,361,491,667 | 25 |
| Average equity | $11,266,857,667 | 28 |
| Average total loans | $43,463,753,333 | 37 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 3,057 |
| Cost of funding earning assets | 2.6451% | 75 |
| Net interest margin | 1.5494% | 4,634 |
| Noninterest income to average assets | 3.1000% | 168 |
| Noninterest expense to average assets | 3.3087% | 691 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8715% | 2,951 |
| Return on assets (ROA) | 0.8856% | 2,853 |
| Pretax return on assets | 1.1746% | 2,499 |
| Return on Equity (ROE) | 12.1000% | 2,195 |
| Retained earnings to average equity (ytd only) | 12.1013% | 1,250 |
| Net charge-offs to loans | 0.0269% | 1,156 |
| Credit loss provision to net charge-offs | 643.8480% | 479 |
| Earnings coverage of net charge-offs (x) | 158.9836% | 594 |
| Efficiency ratio | 73.3166% | 1,407 |
| Assets per employee ($millions) | 6.3802% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3775% | 4,508 |
| Loan loss allowance to noncurrent loans | 126.7110% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 2,963 |
| Noncurrent loans to loans | 0.2979% | 2,077 |
| Net loans and leases to total assets | 28.0300% | 4,405 |
| Net loans and leases to deposits | 36.8683% | 4,297 |
| Net loans and leases to core deposits | 108.6431% | 743 |
| Total domestic deposits to total assets | 27.4300% | 4,604 |
| Equity capital to assets | 7.5924% | 3,513 |
| Core capital (leverage) ratio | 7.2625% | 4,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1784% | 1,917 |
| Memoranda: | ||
| Average total assets | $152,547,994,000 | 28 |
| Average earning assets | $138,662,972,000 | 27 |
| Average equity | $11,163,400,000 | 31 |
| Average total loans | $42,631,454,000 | 40 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9132% | 4,620 |
| Cost of funding earning assets | 0.6458% | 730 |
| Net interest margin | 1.2674% | 4,655 |
| Noninterest income to average assets | 3.0200% | 175 |
| Noninterest expense to average assets | 2.9578% | 1,027 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9115% | 2,915 |
| Return on assets (ROA) | 0.8091% | 3,223 |
| Pretax return on assets | 1.0754% | 2,848 |
| Return on Equity (ROE) | 12.4800% | 1,983 |
| Retained earnings to average equity (ytd only) | 12.4809% | 594 |
| Net charge-offs to loans | -0.0101% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.7969% | 1,586 |
| Assets per employee ($millions) | 6.6115% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3365% | 4,530 |
| Loan loss allowance to noncurrent loans | 144.3531% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,153 |
| Noncurrent loans to loans | 0.2331% | 2,339 |
| Net loans and leases to total assets | 27.6700% | 4,441 |
| Net loans and leases to deposits | 34.3096% | 4,391 |
| Net loans and leases to core deposits | 87.8438% | 1,619 |
| Total domestic deposits to total assets | 32.5900% | 4,629 |
| Equity capital to assets | 7.0505% | 3,641 |
| Core capital (leverage) ratio | 6.9030% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4550% | 2,182 |
| Memoranda: | ||
| Average total assets | $165,406,292,800 | 26 |
| Average earning assets | $150,383,159,000 | 26 |
| Average equity | $10,722,397,000 | 33 |
| Average total loans | $41,562,540,600 | 41 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4893% | 4,666 |
| Cost of funding earning assets | 0.2935% | 2,239 |
| Net interest margin | 1.1957% | 4,679 |
| Noninterest income to average assets | 3.0300% | 183 |
| Noninterest expense to average assets | 2.8542% | 1,137 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9378% | 2,723 |
| Return on assets (ROA) | 0.9374% | 2,688 |
| Pretax return on assets | 1.2580% | 2,182 |
| Return on Equity (ROE) | 14.7600% | 1,228 |
| Retained earnings to average equity (ytd only) | 14.7578% | 385 |
| Net charge-offs to loans | -0.0133% | 3,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.1719% | 1,869 |
| Assets per employee ($millions) | 6.9400% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3152% | 4,578 |
| Loan loss allowance to noncurrent loans | 108.4922% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 3,105 |
| Noncurrent loans to loans | 0.2905% | 2,202 |
| Net loans and leases to total assets | 27.5200% | 4,470 |
| Net loans and leases to deposits | 33.8780% | 4,422 |
| Net loans and leases to core deposits | 85.9313% | 1,526 |
| Total domestic deposits to total assets | 32.6500% | 4,673 |
| Equity capital to assets | 6.6150% | 3,692 |
| Core capital (leverage) ratio | 6.7313% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5882% | 2,921 |
| Memoranda: | ||
| Average total assets | $168,127,150,000 | 25 |
| Average earning assets | $152,864,189,750 | 26 |
| Average equity | $10,679,342,000 | 34 |
| Average total loans | $41,229,841,000 | 42 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1580% | 4,727 |
| Cost of funding earning assets | 0.0679% | 4,473 |
| Net interest margin | 1.0902% | 4,722 |
| Noninterest income to average assets | 3.0425% | 149 |
| Noninterest expense to average assets | 2.7966% | 1,181 |
| Loan and lease loss provision to assets | 0.0075% | 2,468 |
| Net operating income to assets | 0.9189% | 2,499 |
| Return on assets (ROA) | 0.9187% | 2,467 |
| Pretax return on assets | 1.2377% | 1,940 |
| Return on Equity (ROE) | 14.6512% | 968 |
| Retained earnings to average equity (ytd only) | 14.6512% | 295 |
| Net charge-offs to loans | -0.0430% | 4,174 |
| Credit loss provision to net charge-offs | 102.4249% | 1,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0480% | 2,101 |
| Assets per employee ($millions) | 7.0568% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3354% | 4,644 |
| Loan loss allowance to noncurrent loans | 109.1858% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,180 |
| Noncurrent loans to loans | 0.3072% | 2,232 |
| Net loans and leases to total assets | 26.1108% | 4,557 |
| Net loans and leases to deposits | 30.3252% | 4,541 |
| Net loans and leases to core deposits | 76.0031% | 2,016 |
| Total domestic deposits to total assets | 34.7342% | 4,741 |
| Equity capital to assets | 6.6265% | 3,962 |
| Core capital (leverage) ratio | 6.3119% | 4,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8883% | 2,837 |
| Memoranda: | ||
| Average total assets | $171,050,616,000 | 24 |
| Average earning assets | $156,838,099,000 | 23 |
| Average equity | $10,725,313,667 | 34 |
| Average total loans | $40,309,166,000 | 42 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9301% | 4,763 |
| Cost of funding earning assets | -0.0133% | 4,792 |
| Net interest margin | 0.9434% | 4,758 |
| Noninterest income to average assets | 2.9570% | 162 |
| Noninterest expense to average assets | 2.6630% | 1,441 |
| Loan and lease loss provision to assets | 0.0045% | 2,225 |
| Net operating income to assets | 0.8775% | 2,374 |
| Return on assets (ROA) | 0.8773% | 2,373 |
| Pretax return on assets | 1.1641% | 1,937 |
| Return on Equity (ROE) | 14.3517% | 770 |
| Retained earnings to average equity (ytd only) | 14.3517% | 346 |
| Net charge-offs to loans | -0.0324% | 4,114 |
| Credit loss provision to net charge-offs | 164.0867% | 832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3435% | 2,325 |
| Assets per employee ($millions) | 7.9921% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3475% | 4,671 |
| Loan loss allowance to noncurrent loans | 65.9378% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 2,978 |
| Noncurrent loans to loans | 0.5270% | 1,714 |
| Net loans and leases to total assets | 22.7185% | 4,634 |
| Net loans and leases to deposits | 25.8829% | 4,642 |
| Net loans and leases to core deposits | 68.4689% | 2,417 |
| Total domestic deposits to total assets | 33.5606% | 4,770 |
| Equity capital to assets | 6.1784% | 4,541 |
| Core capital (leverage) ratio | 6.1008% | 4,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6028% | 2,744 |
| Memoranda: | ||
| Average total assets | $177,930,941,500 | 22 |
| Average earning assets | $164,963,398,500 | 21 |
| Average equity | $10,876,586,500 | 34 |
| Average total loans | $39,859,825,500 | 42 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8904% | 4,794 |
| Cost of funding earning assets | -0.0173% | 4,836 |
| Net interest margin | 0.9077% | 4,787 |
| Noninterest income to average assets | 2.9124% | 191 |
| Noninterest expense to average assets | 2.6081% | 1,848 |
| Loan and lease loss provision to assets | -0.0475% | 4,344 |
| Net operating income to assets | 0.9068% | 3,010 |
| Return on assets (ROA) | 0.9065% | 3,079 |
| Pretax return on assets | 1.1875% | 2,705 |
| Return on Equity (ROE) | 14.1552% | 1,137 |
| Retained earnings to average equity (ytd only) | 7.3255% | 1,796 |
| Net charge-offs to loans | -0.0172% | 3,924 |
| Credit loss provision to net charge-offs | 921.2669% | 560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3495% | 1,812 |
| Assets per employee ($millions) | 8.7760% | 989 |
| Cash dividends to net income (ytd only)* | 48.2488% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3420% | 4,708 |
| Loan loss allowance to noncurrent loans | 91.9077% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 3,356 |
| Noncurrent loans to loans | 0.3721% | 2,252 |
| Net loans and leases to total assets | 21.9557% | 4,698 |
| Net loans and leases to deposits | 24.9445% | 4,704 |
| Net loans and leases to core deposits | 68.3400% | 2,617 |
| Total domestic deposits to total assets | 32.4761% | 4,815 |
| Equity capital to assets | 6.0514% | 4,813 |
| Core capital (leverage) ratio | 6.4316% | 4,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0011% | 2,630 |
| Memoranda: | ||
| Average total assets | $171,475,372,000 | 19 |
| Average earning assets | $157,936,540,800 | 19 |
| Average equity | $10,981,449,800 | 32 |
| Average total loans | $37,089,558,000 | 42 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8999% | 4,877 |
| Cost of funding earning assets | -0.0166% | 4,911 |
| Net interest margin | 0.9165% | 4,871 |
| Noninterest income to average assets | 2.9418% | 201 |
| Noninterest expense to average assets | 2.6272% | 1,762 |
| Loan and lease loss provision to assets | -0.0554% | 4,476 |
| Net operating income to assets | 0.9132% | 3,207 |
| Return on assets (ROA) | 0.9130% | 3,277 |
| Pretax return on assets | 1.2117% | 2,890 |
| Return on Equity (ROE) | 14.0454% | 1,375 |
| Retained earnings to average equity (ytd only) | 11.0005% | 1,065 |
| Net charge-offs to loans | -0.0195% | 3,954 |
| Credit loss provision to net charge-offs | 983.7802% | 518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1961% | 1,684 |
| Assets per employee ($millions) | 8.1822% | 1,184 |
| Cash dividends to net income (ytd only)* | 21.6789% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3646% | 4,784 |
| Loan loss allowance to noncurrent loans | 93.2604% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 3,486 |
| Noncurrent loans to loans | 0.3910% | 2,392 |
| Net loans and leases to total assets | 23.3101% | 4,754 |
| Net loans and leases to deposits | 27.4963% | 4,748 |
| Net loans and leases to core deposits | 75.9240% | 2,054 |
| Total domestic deposits to total assets | 31.1007% | 4,890 |
| Equity capital to assets | 6.7423% | 4,853 |
| Core capital (leverage) ratio | 6.8067% | 4,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6788% | 2,480 |
| Memoranda: | ||
| Average total assets | $168,408,344,500 | 20 |
| Average earning assets | $154,686,743,000 | 19 |
| Average equity | $10,947,071,000 | 32 |
| Average total loans | $36,241,804,500 | 43 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8949% | 4,919 |
| Cost of funding earning assets | -0.0150% | 4,945 |
| Net interest margin | 0.9099% | 4,910 |
| Noninterest income to average assets | 2.9129% | 197 |
| Noninterest expense to average assets | 2.6187% | 1,808 |
| Loan and lease loss provision to assets | -0.0677% | 4,557 |
| Net operating income to assets | 0.8992% | 3,225 |
| Return on assets (ROA) | 0.8990% | 3,305 |
| Pretax return on assets | 1.1986% | 2,915 |
| Return on Equity (ROE) | 14.0042% | 1,410 |
| Retained earnings to average equity (ytd only) | 9.3771% | 1,596 |
| Net charge-offs to loans | -0.0236% | 4,053 |
| Credit loss provision to net charge-offs | 1,106.0467% | 444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5769% | 1,694 |
| Assets per employee ($millions) | 8.4015% | 1,040 |
| Cash dividends to net income (ytd only)* | 33.0411% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3981% | 4,798 |
| Loan loss allowance to noncurrent loans | 127.2634% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,759 |
| Noncurrent loans to loans | 0.3128% | 2,803 |
| Net loans and leases to total assets | 21.6779% | 4,808 |
| Net loans and leases to deposits | 25.1710% | 4,818 |
| Net loans and leases to core deposits | 70.7146% | 2,713 |
| Total domestic deposits to total assets | 31.0395% | 4,921 |
| Equity capital to assets | 6.4345% | 4,901 |
| Core capital (leverage) ratio | 6.6803% | 4,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5590% | 2,526 |
| Memoranda: | ||
| Average total assets | $168,327,446,667 | 20 |
| Average earning assets | $154,818,098,667 | 19 |
| Average equity | $10,805,786,333 | 32 |
| Average total loans | $35,170,199,333 | 43 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9131% | 4,949 |
| Cost of funding earning assets | -0.0121% | 4,974 |
| Net interest margin | 0.9252% | 4,939 |
| Noninterest income to average assets | 2.9473% | 203 |
| Noninterest expense to average assets | 2.6448% | 1,754 |
| Loan and lease loss provision to assets | -0.0719% | 4,685 |
| Net operating income to assets | 0.9227% | 3,070 |
| Return on assets (ROA) | 0.9225% | 3,145 |
| Pretax return on assets | 1.2258% | 2,770 |
| Return on Equity (ROE) | 14.3877% | 1,351 |
| Retained earnings to average equity (ytd only) | 5.0237% | 3,215 |
| Net charge-offs to loans | -0.0111% | 3,707 |
| Credit loss provision to net charge-offs | 2,773.1501% | 194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3538% | 1,778 |
| Assets per employee ($millions) | 7.9913% | 1,205 |
| Cash dividends to net income (ytd only)* | 65.0832% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4816% | 4,787 |
| Loan loss allowance to noncurrent loans | 111.9374% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 3,737 |
| Noncurrent loans to loans | 0.4302% | 2,569 |
| Net loans and leases to total assets | 20.8992% | 4,848 |
| Net loans and leases to deposits | 24.4533% | 4,850 |
| Net loans and leases to core deposits | 70.1422% | 2,851 |
| Total domestic deposits to total assets | 30.2127% | 4,947 |
| Equity capital to assets | 6.4580% | 4,907 |
| Core capital (leverage) ratio | 6.4154% | 4,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3991% | 2,529 |
| Memoranda: | ||
| Average total assets | $166,556,180,000 | 20 |
| Average earning assets | $153,271,529,500 | 20 |
| Average equity | $10,679,212,500 | 32 |
| Average total loans | $34,051,982,000 | 44 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1750% | 4,962 |
| Cost of funding earning assets | 0.1025% | 4,858 |
| Net interest margin | 1.0725% | 4,955 |
| Noninterest income to average assets | 2.9548% | 201 |
| Noninterest expense to average assets | 2.7870% | 1,975 |
| Loan and lease loss provision to assets | 0.0603% | 3,618 |
| Net operating income to assets | 0.7974% | 3,103 |
| Return on assets (ROA) | 0.7970% | 3,223 |
| Pretax return on assets | 1.0824% | 2,758 |
| Return on Equity (ROE) | 11.8228% | 1,376 |
| Retained earnings to average equity (ytd only) | 3.1440% | 3,262 |
| Net charge-offs to loans | 0.0093% | 2,992 |
| Credit loss provision to net charge-offs | 2,918.9370% | 338 |
| Earnings coverage of net charge-offs (x) | 559.6945% | 211 |
| Efficiency ratio | 70.6349% | 1,864 |
| Assets per employee ($millions) | 8.1982% | 970 |
| Cash dividends to net income (ytd only)* | 73.4070% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5648% | 4,743 |
| Loan loss allowance to noncurrent loans | 135.6140% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 3,914 |
| Noncurrent loans to loans | 0.4165% | 2,732 |
| Net loans and leases to total assets | 19.7964% | 4,883 |
| Net loans and leases to deposits | 22.9200% | 4,890 |
| Net loans and leases to core deposits | 68.2577% | 3,392 |
| Total domestic deposits to total assets | 29.4157% | 4,972 |
| Equity capital to assets | 6.3672% | 4,967 |
| Core capital (leverage) ratio | 7.0396% | 4,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4762% | 2,057 |
| Memoranda: | ||
| Average total assets | $153,834,602,800 | 20 |
| Average earning assets | $139,899,605,600 | 20 |
| Average equity | $10,370,125,200 | 31 |
| Average total loans | $33,906,116,600 | 46 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2695% | 5,003 |
| Cost of funding earning assets | 0.1392% | 4,832 |
| Net interest margin | 1.1303% | 4,995 |
| Noninterest income to average assets | 3.0137% | 184 |
| Noninterest expense to average assets | 2.8000% | 1,966 |
| Loan and lease loss provision to assets | 0.0991% | 3,084 |
| Net operating income to assets | 0.8686% | 2,830 |
| Return on assets (ROA) | 0.8685% | 2,964 |
| Pretax return on assets | 1.1370% | 2,616 |
| Return on Equity (ROE) | 12.6848% | 1,197 |
| Retained earnings to average equity (ytd only) | 5.2151% | 2,468 |
| Net charge-offs to loans | -0.0092% | 4,208 |
| Credit loss provision to net charge-offs | -4,725.0533% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0961% | 2,024 |
| Assets per employee ($millions) | 7.3926% | 1,280 |
| Cash dividends to net income (ytd only)* | 58.8870% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 4,650 |
| Loan loss allowance to noncurrent loans | 202.0557% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 4,082 |
| Noncurrent loans to loans | 0.3253% | 3,120 |
| Net loans and leases to total assets | 21.4675% | 4,915 |
| Net loans and leases to deposits | 25.8994% | 4,918 |
| Net loans and leases to core deposits | 72.2144% | 3,454 |
| Total domestic deposits to total assets | 30.5461% | 5,004 |
| Equity capital to assets | 7.1593% | 4,925 |
| Core capital (leverage) ratio | 7.2153% | 4,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5592% | 1,634 |
| Memoranda: | ||
| Average total assets | $149,900,482,250 | 20 |
| Average earning assets | $135,609,822,500 | 20 |
| Average equity | $10,263,424,000 | 31 |
| Average total loans | $33,942,726,750 | 46 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3863% | 5,042 |
| Cost of funding earning assets | 0.1981% | 4,769 |
| Net interest margin | 1.1882% | 5,038 |
| Noninterest income to average assets | 3.0323% | 161 |
| Noninterest expense to average assets | 2.7913% | 2,120 |
| Loan and lease loss provision to assets | 0.1431% | 2,585 |
| Net operating income to assets | 0.9017% | 2,682 |
| Return on assets (ROA) | 0.9018% | 2,805 |
| Pretax return on assets | 1.1723% | 2,453 |
| Return on Equity (ROE) | 13.3774% | 1,013 |
| Retained earnings to average equity (ytd only) | 6.9201% | 1,697 |
| Net charge-offs to loans | -0.0111% | 4,229 |
| Credit loss provision to net charge-offs | -5,551.8305% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7040% | 2,280 |
| Assets per employee ($millions) | 7.5447% | 1,152 |
| Cash dividends to net income (ytd only)* | 48.2706% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6226% | 4,711 |
| Loan loss allowance to noncurrent loans | 188.8986% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 4,154 |
| Noncurrent loans to loans | 0.3296% | 3,209 |
| Net loans and leases to total assets | 22.2278% | 4,940 |
| Net loans and leases to deposits | 26.8087% | 4,949 |
| Net loans and leases to core deposits | 72.7501% | 3,539 |
| Total domestic deposits to total assets | 31.3804% | 5,032 |
| Equity capital to assets | 7.1176% | 4,955 |
| Core capital (leverage) ratio | 7.2584% | 4,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6914% | 1,572 |
| Memoranda: | ||
| Average total assets | $149,324,335,000 | 20 |
| Average earning assets | $135,003,598,667 | 20 |
| Average equity | $10,066,024,667 | 32 |
| Average total loans | $34,334,877,667 | 44 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5834% | 5,097 |
| Cost of funding earning assets | 0.3455% | 4,533 |
| Net interest margin | 1.2379% | 5,094 |
| Noninterest income to average assets | 3.1671% | 142 |
| Noninterest expense to average assets | 2.8780% | 2,185 |
| Loan and lease loss provision to assets | 0.1331% | 2,064 |
| Net operating income to assets | 0.9723% | 2,274 |
| Return on assets (ROA) | 0.9722% | 2,379 |
| Pretax return on assets | 1.2713% | 1,964 |
| Return on Equity (ROE) | 14.8435% | 569 |
| Retained earnings to average equity (ytd only) | 1.4800% | 3,607 |
| Net charge-offs to loans | 0.0082% | 2,268 |
| Credit loss provision to net charge-offs | 6,460.7898% | 121 |
| Earnings coverage of net charge-offs (x) | 735.5346% | 83 |
| Efficiency ratio | 66.9468% | 2,829 |
| Assets per employee ($millions) | 8.1236% | 706 |
| Cash dividends to net income (ytd only)* | 90.0294% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3891% | 4,954 |
| Loan loss allowance to noncurrent loans | 132.6638% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 4,252 |
| Noncurrent loans to loans | 0.2933% | 3,454 |
| Net loans and leases to total assets | 23.3865% | 4,981 |
| Net loans and leases to deposits | 28.2244% | 4,989 |
| Net loans and leases to core deposits | 75.9062% | 3,499 |
| Total domestic deposits to total assets | 31.2135% | 5,083 |
| Equity capital to assets | 6.2724% | 5,099 |
| Core capital (leverage) ratio | 7.5778% | 5,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5835% | 2,446 |
| Memoranda: | ||
| Average total assets | $148,524,481,000 | 20 |
| Average earning assets | $133,826,020,000 | 20 |
| Average equity | $9,727,948,000 | 33 |
| Average total loans | $34,623,662,000 | 43 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1570% | 5,141 |
| Cost of funding earning assets | 0.7052% | 3,139 |
| Net interest margin | 1.4518% | 5,139 |
| Noninterest income to average assets | 3.3525% | 129 |
| Noninterest expense to average assets | 3.1631% | 1,610 |
| Loan and lease loss provision to assets | -0.0069% | 4,927 |
| Net operating income to assets | 1.1469% | 2,264 |
| Return on assets (ROA) | 1.1458% | 2,368 |
| Pretax return on assets | 1.5129% | 1,767 |
| Return on Equity (ROE) | 15.1118% | 670 |
| Retained earnings to average equity (ytd only) | -5.7881% | 5,001 |
| Net charge-offs to loans | -0.0024% | 4,241 |
| Credit loss provision to net charge-offs | 1,188.4824% | 292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4494% | 2,538 |
| Assets per employee ($millions) | 6.9262% | 1,070 |
| Cash dividends to net income (ytd only)* | 138.3015% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3328% | 5,023 |
| Loan loss allowance to noncurrent loans | 114.8450% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 4,280 |
| Noncurrent loans to loans | 0.2898% | 3,396 |
| Net loans and leases to total assets | 23.0378% | 5,046 |
| Net loans and leases to deposits | 28.0162% | 5,050 |
| Net loans and leases to core deposits | 81.4185% | 3,189 |
| Total domestic deposits to total assets | 28.8191% | 5,146 |
| Equity capital to assets | 6.8787% | 5,149 |
| Core capital (leverage) ratio | 7.2625% | 5,119 |
| Tier 1 risk-based capital ratio | 12.3196% | 4,179 |
| Total risk-based capital ratio | 13.9685% | 3,823 |
| Memoranda: | ||
| Average total assets | $127,786,879,000 | 22 |
| Average earning assets | $116,000,470,200 | 23 |
| Average equity | $9,689,043,200 | 32 |
| Average total loans | $31,269,365,800 | 42 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2518% | 5,225 |
| Cost of funding earning assets | 0.7776% | 2,829 |
| Net interest margin | 1.4742% | 5,221 |
| Noninterest income to average assets | 3.3815% | 128 |
| Noninterest expense to average assets | 3.1783% | 1,508 |
| Loan and lease loss provision to assets | -0.0105% | 5,056 |
| Net operating income to assets | 1.1680% | 2,308 |
| Return on assets (ROA) | 1.1670% | 2,396 |
| Pretax return on assets | 1.5488% | 1,818 |
| Return on Equity (ROE) | 15.0148% | 774 |
| Retained earnings to average equity (ytd only) | 0.0102% | 4,756 |
| Net charge-offs to loans | -0.0127% | 4,456 |
| Credit loss provision to net charge-offs | 332.0710% | 893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0897% | 2,573 |
| Assets per employee ($millions) | 6.3922% | 1,332 |
| Cash dividends to net income (ytd only)* | 99.9323% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3425% | 5,097 |
| Loan loss allowance to noncurrent loans | 84.4587% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 4,188 |
| Noncurrent loans to loans | 0.4055% | 3,093 |
| Net loans and leases to total assets | 24.8244% | 5,121 |
| Net loans and leases to deposits | 30.9261% | 5,118 |
| Net loans and leases to core deposits | 92.1253% | 2,350 |
| Total domestic deposits to total assets | 27.4428% | 5,227 |
| Equity capital to assets | 8.0756% | 5,111 |
| Core capital (leverage) ratio | 7.9457% | 5,131 |
| Tier 1 risk-based capital ratio | 13.2076% | 3,735 |
| Total risk-based capital ratio | 14.8518% | 3,437 |
| Memoranda: | ||
| Average total assets | $125,762,240,500 | 24 |
| Average earning assets | $113,998,811,750 | 24 |
| Average equity | $9,774,527,750 | 33 |
| Average total loans | $31,234,311,250 | 43 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2636% | 5,280 |
| Cost of funding earning assets | 0.8054% | 2,614 |
| Net interest margin | 1.4582% | 5,275 |
| Noninterest income to average assets | 3.3161% | 134 |
| Noninterest expense to average assets | 3.1455% | 1,626 |
| Loan and lease loss provision to assets | -0.0067% | 5,114 |
| Net operating income to assets | 1.1386% | 2,376 |
| Return on assets (ROA) | 1.1378% | 2,454 |
| Pretax return on assets | 1.5048% | 1,844 |
| Return on Equity (ROE) | 14.8278% | 798 |
| Retained earnings to average equity (ytd only) | -1.1524% | 4,840 |
| Net charge-offs to loans | -0.0155% | 4,462 |
| Credit loss provision to net charge-offs | 174.6084% | 1,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4412% | 2,621 |
| Assets per employee ($millions) | 6.5494% | 1,210 |
| Cash dividends to net income (ytd only)* | 107.7718% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3575% | 5,141 |
| Loan loss allowance to noncurrent loans | 91.1984% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 4,258 |
| Noncurrent loans to loans | 0.3920% | 3,119 |
| Net loans and leases to total assets | 24.4813% | 5,171 |
| Net loans and leases to deposits | 30.1244% | 5,167 |
| Net loans and leases to core deposits | 90.9691% | 2,513 |
| Total domestic deposits to total assets | 27.3983% | 5,276 |
| Equity capital to assets | 7.8334% | 5,204 |
| Core capital (leverage) ratio | 7.8394% | 5,196 |
| Tier 1 risk-based capital ratio | 13.4020% | 3,629 |
| Total risk-based capital ratio | 15.1025% | 3,295 |
| Memoranda: | ||
| Average total assets | $126,408,235,000 | 23 |
| Average earning assets | $115,169,481,000 | 23 |
| Average equity | $9,699,528,670 | 33 |
| Average total loans | $31,364,337,330 | 43 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2894% | 5,346 |
| Cost of funding earning assets | 0.8339% | 2,354 |
| Net interest margin | 1.4555% | 5,344 |
| Noninterest income to average assets | 3.2699% | 129 |
| Noninterest expense to average assets | 3.1766% | 1,556 |
| Loan and lease loss provision to assets | 0.0026% | 3,384 |
| Net operating income to assets | 1.0635% | 2,607 |
| Return on assets (ROA) | 1.0627% | 2,660 |
| Pretax return on assets | 1.4217% | 2,010 |
| Return on Equity (ROE) | 13.9953% | 972 |
| Retained earnings to average equity (ytd only) | -4.7347% | 4,913 |
| Net charge-offs to loans | -0.0147% | 4,376 |
| Credit loss provision to net charge-offs | -69.3895% | 3,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7438% | 2,530 |
| Assets per employee ($millions) | 6.4087% | 1,283 |
| Cash dividends to net income (ytd only)* | 133.8306% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3741% | 5,199 |
| Loan loss allowance to noncurrent loans | 88.7410% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 4,244 |
| Noncurrent loans to loans | 0.4215% | 3,080 |
| Net loans and leases to total assets | 25.1231% | 5,218 |
| Net loans and leases to deposits | 31.3244% | 5,205 |
| Net loans and leases to core deposits | 96.8530% | 1,867 |
| Total domestic deposits to total assets | 26.4115% | 5,335 |
| Equity capital to assets | 7.9364% | 5,199 |
| Core capital (leverage) ratio | 7.4377% | 5,292 |
| Tier 1 risk-based capital ratio | 13.1730% | 3,788 |
| Total risk-based capital ratio | 14.8966% | 3,436 |
| Memoranda: | ||
| Average total assets | $126,561,067,500 | 23 |
| Average earning assets | $115,819,003,000 | 23 |
| Average equity | $9,610,236,000 | 34 |
| Average total loans | $31,555,344,000 | 42 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8938% | 5,374 |
| Cost of funding earning assets | 0.5653% | 2,952 |
| Net interest margin | 1.3284% | 5,378 |
| Noninterest income to average assets | 3.1668% | 146 |
| Noninterest expense to average assets | 2.9356% | 2,229 |
| Loan and lease loss provision to assets | -0.0132% | 5,117 |
| Net operating income to assets | 1.1557% | 2,360 |
| Return on assets (ROA) | 1.1549% | 2,366 |
| Pretax return on assets | 1.4679% | 1,882 |
| Return on Equity (ROE) | 16.2587% | 578 |
| Retained earnings to average equity (ytd only) | 3.5692% | 3,624 |
| Net charge-offs to loans | 0.0034% | 3,618 |
| Credit loss provision to net charge-offs | -1,625.9500% | 4,807 |
| Earnings coverage of net charge-offs (x) | 1,796.0519% | 59 |
| Efficiency ratio | 66.5549% | 2,774 |
| Assets per employee ($millions) | 7.1434% | 920 |
| Cash dividends to net income (ytd only)* | 78.0475% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3465% | 5,257 |
| Loan loss allowance to noncurrent loans | 89.5889% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.1018% | 4,316 |
| Noncurrent loans to loans | 0.3868% | 3,147 |
| Net loans and leases to total assets | 24.5851% | 5,274 |
| Net loans and leases to deposits | 30.7146% | 5,258 |
| Net loans and leases to core deposits | 106.7993% | 1,207 |
| Total domestic deposits to total assets | 23.3305% | 5,377 |
| Equity capital to assets | 7.2771% | 5,306 |
| Core capital (leverage) ratio | 7.2704% | 5,341 |
| Tier 1 risk-based capital ratio | 13.0761% | 3,798 |
| Total risk-based capital ratio | 14.7973% | 3,429 |
| Memoranda: | ||
| Average total assets | $133,127,607,600 | 21 |
| Average earning assets | $122,712,495,800 | 19 |
| Average equity | $9,456,654,000 | 34 |
| Average total loans | $32,203,678,800 | 41 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8137% | 5,450 |
| Cost of funding earning assets | 0.5015% | 3,188 |
| Net interest margin | 1.3122% | 5,460 |
| Noninterest income to average assets | 3.1558% | 153 |
| Noninterest expense to average assets | 2.9034% | 2,294 |
| Loan and lease loss provision to assets | -0.0088% | 5,212 |
| Net operating income to assets | 1.1362% | 2,505 |
| Return on assets (ROA) | 1.1357% | 2,527 |
| Pretax return on assets | 1.4695% | 1,996 |
| Return on Equity (ROE) | 16.0850% | 685 |
| Retained earnings to average equity (ytd only) | 5.1215% | 3,173 |
| Net charge-offs to loans | 0.0117% | 2,996 |
| Credit loss provision to net charge-offs | -313.1915% | 4,404 |
| Earnings coverage of net charge-offs (x) | 518.7647% | 175 |
| Efficiency ratio | 66.2217% | 2,827 |
| Assets per employee ($millions) | 7.1990% | 868 |
| Cash dividends to net income (ytd only)* | 68.1601% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3813% | 5,304 |
| Loan loss allowance to noncurrent loans | 84.7679% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 4,396 |
| Noncurrent loans to loans | 0.4498% | 3,045 |
| Net loans and leases to total assets | 23.6805% | 5,355 |
| Net loans and leases to deposits | 29.5317% | 5,343 |
| Net loans and leases to core deposits | 94.8434% | 2,220 |
| Total domestic deposits to total assets | 25.3158% | 5,449 |
| Equity capital to assets | 7.2379% | 5,358 |
| Core capital (leverage) ratio | 7.1893% | 5,419 |
| Tier 1 risk-based capital ratio | 13.1866% | 3,789 |
| Total risk-based capital ratio | 14.9329% | 3,441 |
| Memoranda: | ||
| Average total assets | $133,485,621,750 | 20 |
| Average earning assets | $122,972,745,750 | 19 |
| Average equity | $9,424,925,750 | 34 |
| Average total loans | $32,132,088,500 | 41 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7371% | 5,518 |
| Cost of funding earning assets | 0.4409% | 3,421 |
| Net interest margin | 1.2962% | 5,523 |
| Noninterest income to average assets | 3.1670% | 152 |
| Noninterest expense to average assets | 2.8912% | 2,379 |
| Loan and lease loss provision to assets | -0.0014% | 5,284 |
| Net operating income to assets | 1.1382% | 2,443 |
| Return on assets (ROA) | 1.1378% | 2,450 |
| Pretax return on assets | 1.4723% | 1,917 |
| Return on Equity (ROE) | 16.2487% | 623 |
| Retained earnings to average equity (ytd only) | 6.6583% | 2,224 |
| Net charge-offs to loans | 0.0188% | 2,517 |
| Credit loss provision to net charge-offs | -31.2561% | 3,979 |
| Earnings coverage of net charge-offs (x) | 323.3532% | 285 |
| Efficiency ratio | 65.9712% | 2,987 |
| Assets per employee ($millions) | 7.4685% | 774 |
| Cash dividends to net income (ytd only)* | 59.0230% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3918% | 5,359 |
| Loan loss allowance to noncurrent loans | 95.2129% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 4,486 |
| Noncurrent loans to loans | 0.4114% | 3,223 |
| Net loans and leases to total assets | 24.0210% | 5,411 |
| Net loans and leases to deposits | 30.1121% | 5,393 |
| Net loans and leases to core deposits | 92.7777% | 2,328 |
| Total domestic deposits to total assets | 26.2913% | 5,512 |
| Equity capital to assets | 7.0692% | 5,441 |
| Core capital (leverage) ratio | 7.0575% | 5,481 |
| Tier 1 risk-based capital ratio | 12.6167% | 4,117 |
| Total risk-based capital ratio | 14.3129% | 3,781 |
| Memoranda: | ||
| Average total assets | $134,014,269,670 | 21 |
| Average earning assets | $123,609,554,000 | 19 |
| Average equity | $9,384,297,670 | 34 |
| Average total loans | $32,391,447,000 | 40 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6316% | 5,588 |
| Cost of funding earning assets | 0.3841% | 3,703 |
| Net interest margin | 1.2475% | 5,593 |
| Noninterest income to average assets | 3.1692% | 152 |
| Noninterest expense to average assets | 2.8983% | 2,378 |
| Loan and lease loss provision to assets | -0.0085% | 5,406 |
| Net operating income to assets | 1.1134% | 2,364 |
| Return on assets (ROA) | 1.1129% | 2,387 |
| Pretax return on assets | 1.4360% | 1,879 |
| Return on Equity (ROE) | 15.9691% | 627 |
| Retained earnings to average equity (ytd only) | 8.4558% | 1,671 |
| Net charge-offs to loans | 0.0367% | 1,787 |
| Credit loss provision to net charge-offs | -95.2140% | 3,682 |
| Earnings coverage of net charge-offs (x) | 160.8851% | 408 |
| Efficiency ratio | 66.6778% | 3,050 |
| Assets per employee ($millions) | 7.2135% | 879 |
| Cash dividends to net income (ytd only)* | 47.0488% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3907% | 5,435 |
| Loan loss allowance to noncurrent loans | 95.7550% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1046% | 4,558 |
| Noncurrent loans to loans | 0.4080% | 3,321 |
| Net loans and leases to total assets | 24.7506% | 5,453 |
| Net loans and leases to deposits | 30.1851% | 5,448 |
| Net loans and leases to core deposits | 89.8619% | 2,462 |
| Total domestic deposits to total assets | 28.0184% | 5,573 |
| Equity capital to assets | 7.2818% | 5,477 |
| Core capital (leverage) ratio | 6.9679% | 5,547 |
| Tier 1 risk-based capital ratio | 12.6147% | 4,167 |
| Total risk-based capital ratio | 14.3206% | 3,823 |
| Memoranda: | ||
| Average total assets | $133,692,928,500 | 20 |
| Average earning assets | $124,028,040,000 | 19 |
| Average equity | $9,316,830,500 | 33 |
| Average total loans | $32,350,560,000 | 41 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4918% | 5,630 |
| Cost of funding earning assets | 0.2715% | 4,387 |
| Net interest margin | 1.2203% | 5,634 |
| Noninterest income to average assets | 2.9801% | 174 |
| Noninterest expense to average assets | 2.8578% | 2,583 |
| Loan and lease loss provision to assets | -0.0153% | 5,320 |
| Net operating income to assets | 0.9069% | 2,676 |
| Return on assets (ROA) | 0.9058% | 2,702 |
| Pretax return on assets | 1.2697% | 2,471 |
| Return on Equity (ROE) | 12.9369% | 966 |
| Retained earnings to average equity (ytd only) | 7.0697% | 1,049 |
| Net charge-offs to loans | 0.0303% | 3,195 |
| Credit loss provision to net charge-offs | -194.3013% | 4,791 |
| Earnings coverage of net charge-offs (x) | 159.0525% | 458 |
| Efficiency ratio | 69.2578% | 2,659 |
| Assets per employee ($millions) | 7.7594% | 692 |
| Cash dividends to net income (ytd only)* | 45.3525% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4027% | 5,482 |
| Loan loss allowance to noncurrent loans | 82.6796% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 4,543 |
| Noncurrent loans to loans | 0.4870% | 3,060 |
| Net loans and leases to total assets | 23.4947% | 5,537 |
| Net loans and leases to deposits | 28.6185% | 5,534 |
| Net loans and leases to core deposits | 87.5633% | 2,760 |
| Total domestic deposits to total assets | 27.4137% | 5,639 |
| Equity capital to assets | 6.6761% | 5,604 |
| Core capital (leverage) ratio | 7.0303% | 5,600 |
| Tier 1 risk-based capital ratio | 12.5636% | 4,169 |
| Total risk-based capital ratio | 14.2802% | 3,788 |
| Memoranda: | ||
| Average total assets | $127,798,643,000 | 20 |
| Average earning assets | $118,709,309,800 | 19 |
| Average equity | $8,948,049,600 | 34 |
| Average total loans | $33,344,232,200 | 38 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4723% | 5,703 |
| Cost of funding earning assets | 0.2508% | 4,559 |
| Net interest margin | 1.2215% | 5,707 |
| Noninterest income to average assets | 2.9863% | 181 |
| Noninterest expense to average assets | 2.8590% | 2,537 |
| Loan and lease loss provision to assets | -0.0076% | 5,450 |
| Net operating income to assets | 0.8627% | 3,212 |
| Return on assets (ROA) | 0.8617% | 3,269 |
| Pretax return on assets | 1.2669% | 2,635 |
| Return on Equity (ROE) | 12.1511% | 1,294 |
| Retained earnings to average equity (ytd only) | 6.8954% | 1,746 |
| Net charge-offs to loans | 0.0139% | 3,245 |
| Credit loss provision to net charge-offs | -204.7959% | 4,636 |
| Earnings coverage of net charge-offs (x) | 337.9543% | 275 |
| Efficiency ratio | 69.2198% | 2,669 |
| Assets per employee ($millions) | 7.3934% | 799 |
| Cash dividends to net income (ytd only)* | 43.2527% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4508% | 5,517 |
| Loan loss allowance to noncurrent loans | 102.9269% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.1177% | 4,658 |
| Noncurrent loans to loans | 0.4379% | 3,394 |
| Net loans and leases to total assets | 25.3333% | 5,583 |
| Net loans and leases to deposits | 31.1980% | 5,568 |
| Net loans and leases to core deposits | 96.5465% | 2,020 |
| Total domestic deposits to total assets | 26.8965% | 5,709 |
| Equity capital to assets | 6.9618% | 5,662 |
| Core capital (leverage) ratio | 7.1587% | 5,660 |
| Tier 1 risk-based capital ratio | 12.1791% | 4,508 |
| Total risk-based capital ratio | 13.8540% | 4,161 |
| Memoranda: | ||
| Average total assets | $125,207,516,000 | 20 |
| Average earning assets | $116,179,371,000 | 19 |
| Average equity | $8,879,078,000 | 34 |
| Average total loans | $33,532,231,000 | 38 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4505% | 5,754 |
| Cost of funding earning assets | 0.2166% | 4,827 |
| Net interest margin | 1.2339% | 5,758 |
| Noninterest income to average assets | 2.9958% | 187 |
| Noninterest expense to average assets | 2.8823% | 2,485 |
| Loan and lease loss provision to assets | -0.0033% | 5,522 |
| Net operating income to assets | 0.8402% | 3,201 |
| Return on assets (ROA) | 0.8393% | 3,252 |
| Pretax return on assets | 1.2597% | 2,536 |
| Return on Equity (ROE) | 11.7585% | 1,372 |
| Retained earnings to average equity (ytd only) | 6.6442% | 1,773 |
| Net charge-offs to loans | 0.0308% | 2,590 |
| Credit loss provision to net charge-offs | -39.5281% | 4,275 |
| Earnings coverage of net charge-offs (x) | 149.9170% | 505 |
| Efficiency ratio | 69.4402% | 2,776 |
| Assets per employee ($millions) | 7.2402% | 830 |
| Cash dividends to net income (ytd only)* | 43.4947% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4589% | 5,557 |
| Loan loss allowance to noncurrent loans | 68.7492% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 4,437 |
| Noncurrent loans to loans | 0.6676% | 2,748 |
| Net loans and leases to total assets | 26.6339% | 5,595 |
| Net loans and leases to deposits | 31.6948% | 5,605 |
| Net loans and leases to core deposits | 92.7077% | 2,281 |
| Total domestic deposits to total assets | 29.4559% | 5,754 |
| Equity capital to assets | 7.1501% | 5,698 |
| Core capital (leverage) ratio | 7.1830% | 5,696 |
| Tier 1 risk-based capital ratio | 12.0881% | 4,573 |
| Total risk-based capital ratio | 13.8774% | 4,139 |
| Memoranda: | ||
| Average total assets | $123,277,660,670 | 22 |
| Average earning assets | $114,314,412,330 | 19 |
| Average equity | $8,798,862,670 | 34 |
| Average total loans | $33,597,600,000 | 38 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4445% | 5,824 |
| Cost of funding earning assets | 0.1849% | 5,117 |
| Net interest margin | 1.2597% | 5,820 |
| Noninterest income to average assets | 2.9402% | 199 |
| Noninterest expense to average assets | 2.8149% | 2,737 |
| Loan and lease loss provision to assets | 0.0096% | 3,436 |
| Net operating income to assets | 0.8520% | 2,987 |
| Return on assets (ROA) | 0.8512% | 3,029 |
| Pretax return on assets | 1.2847% | 2,283 |
| Return on Equity (ROE) | 11.9371% | 1,257 |
| Retained earnings to average equity (ytd only) | 7.3512% | 1,718 |
| Net charge-offs to loans | 0.0234% | 2,294 |
| Credit loss provision to net charge-offs | 148.6034% | 1,223 |
| Earnings coverage of net charge-offs (x) | 201.1559% | 280 |
| Efficiency ratio | 68.3010% | 3,151 |
| Assets per employee ($millions) | 7.1320% | 890 |
| Cash dividends to net income (ytd only)* | 38.4171% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4838% | 5,610 |
| Loan loss allowance to noncurrent loans | 85.2871% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 4,602 |
| Noncurrent loans to loans | 0.5672% | 3,107 |
| Net loans and leases to total assets | 27.5091% | 5,640 |
| Net loans and leases to deposits | 32.8994% | 5,643 |
| Net loans and leases to core deposits | 88.3701% | 2,511 |
| Total domestic deposits to total assets | 31.9129% | 5,820 |
| Equity capital to assets | 7.2756% | 5,721 |
| Core capital (leverage) ratio | 7.1905% | 5,749 |
| Tier 1 risk-based capital ratio | 11.9620% | 4,742 |
| Total risk-based capital ratio | 13.7743% | 4,278 |
| Memoranda: | ||
| Average total assets | $122,317,386,000 | 23 |
| Average earning assets | $113,601,136,500 | 19 |
| Average equity | $8,722,400,000 | 34 |
| Average total loans | $33,646,921,500 | 38 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2917% | 5,874 |
| Cost of funding earning assets | 0.1441% | 5,462 |
| Net interest margin | 1.1477% | 5,872 |
| Noninterest income to average assets | 3.0068% | 204 |
| Noninterest expense to average assets | 2.8178% | 2,967 |
| Loan and lease loss provision to assets | -0.0146% | 5,502 |
| Net operating income to assets | 0.8447% | 3,088 |
| Return on assets (ROA) | 0.8428% | 3,211 |
| Pretax return on assets | 1.2550% | 2,450 |
| Return on Equity (ROE) | 12.0927% | 1,211 |
| Retained earnings to average equity (ytd only) | 8.4950% | 702 |
| Net charge-offs to loans | 0.0448% | 3,143 |
| Credit loss provision to net charge-offs | -115.3060% | 4,913 |
| Earnings coverage of net charge-offs (x) | 98.0874% | 609 |
| Efficiency ratio | 69.2066% | 3,040 |
| Assets per employee ($millions) | 7.3484% | 778 |
| Cash dividends to net income (ytd only)* | 29.7513% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4760% | 5,679 |
| Loan loss allowance to noncurrent loans | 84.1894% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 0.1590% | 4,684 |
| Noncurrent loans to loans | 0.5654% | 3,142 |
| Net loans and leases to total assets | 27.2453% | 5,702 |
| Net loans and leases to deposits | 32.8579% | 5,700 |
| Net loans and leases to core deposits | 84.3524% | 2,992 |
| Total domestic deposits to total assets | 33.0428% | 5,878 |
| Equity capital to assets | 6.9892% | 5,800 |
| Core capital (leverage) ratio | 7.0326% | 5,809 |
| Tier 1 risk-based capital ratio | 11.5268% | 5,040 |
| Total risk-based capital ratio | 13.3004% | 4,578 |
| Memoranda: | ||
| Average total assets | $119,644,054,200 | 22 |
| Average earning assets | $109,898,943,000 | 21 |
| Average equity | $8,338,562,000 | 33 |
| Average total loans | $33,825,572,000 | 38 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2865% | 5,943 |
| Cost of funding earning assets | 0.1427% | 5,524 |
| Net interest margin | 1.1437% | 5,940 |
| Noninterest income to average assets | 3.0452% | 204 |
| Noninterest expense to average assets | 2.8393% | 2,874 |
| Loan and lease loss provision to assets | 0.0018% | 4,173 |
| Net operating income to assets | 0.8352% | 3,219 |
| Return on assets (ROA) | 0.8336% | 3,351 |
| Pretax return on assets | 1.2491% | 2,623 |
| Return on Equity (ROE) | 11.9692% | 1,335 |
| Retained earnings to average equity (ytd only) | 8.3393% | 1,032 |
| Net charge-offs to loans | 0.0166% | 3,394 |
| Credit loss provision to net charge-offs | 37.5799% | 3,171 |
| Earnings coverage of net charge-offs (x) | 264.1267% | 307 |
| Efficiency ratio | 69.2063% | 3,016 |
| Assets per employee ($millions) | 7.2019% | 816 |
| Cash dividends to net income (ytd only)* | 30.3271% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5715% | 5,639 |
| Loan loss allowance to noncurrent loans | 102.8135% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 4,787 |
| Noncurrent loans to loans | 0.5559% | 3,330 |
| Net loans and leases to total assets | 27.7622% | 5,760 |
| Net loans and leases to deposits | 33.2411% | 5,771 |
| Net loans and leases to core deposits | 86.7223% | 2,885 |
| Total domestic deposits to total assets | 32.9126% | 5,947 |
| Equity capital to assets | 7.1426% | 5,877 |
| Core capital (leverage) ratio | 7.0050% | 5,881 |
| Tier 1 risk-based capital ratio | 11.0768% | 5,334 |
| Total risk-based capital ratio | 12.9055% | 4,910 |
| Memoranda: | ||
| Average total assets | $118,668,084,750 | 21 |
| Average earning assets | $108,670,818,500 | 20 |
| Average equity | $8,264,447,000 | 33 |
| Average total loans | $33,826,451,500 | 38 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2971% | 6,024 |
| Cost of funding earning assets | 0.1413% | 5,603 |
| Net interest margin | 1.1558% | 6,020 |
| Noninterest income to average assets | 3.1054% | 193 |
| Noninterest expense to average assets | 2.8910% | 2,707 |
| Loan and lease loss provision to assets | 0.0057% | 3,946 |
| Net operating income to assets | 0.8400% | 3,134 |
| Return on assets (ROA) | 0.8375% | 3,281 |
| Pretax return on assets | 1.2584% | 2,572 |
| Return on Equity (ROE) | 12.1301% | 1,266 |
| Retained earnings to average equity (ytd only) | 8.4578% | 1,023 |
| Net charge-offs to loans | 0.0297% | 2,879 |
| Credit loss provision to net charge-offs | 67.0758% | 2,506 |
| Earnings coverage of net charge-offs (x) | 148.5009% | 420 |
| Efficiency ratio | 69.3389% | 3,090 |
| Assets per employee ($millions) | 7.4095% | 727 |
| Cash dividends to net income (ytd only)* | 30.2742% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 5,743 |
| Loan loss allowance to noncurrent loans | 119.6277% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 4,935 |
| Noncurrent loans to loans | 0.4644% | 3,704 |
| Net loans and leases to total assets | 28.3669% | 5,814 |
| Net loans and leases to deposits | 34.4956% | 5,812 |
| Net loans and leases to core deposits | 84.8855% | 2,998 |
| Total domestic deposits to total assets | 34.2059% | 6,022 |
| Equity capital to assets | 6.9347% | 5,967 |
| Core capital (leverage) ratio | 6.9575% | 5,955 |
| Tier 1 risk-based capital ratio | 10.4300% | 5,702 |
| Total risk-based capital ratio | 12.2680% | 5,335 |
| Memoranda: | ||
| Average total assets | $118,323,294,000 | 21 |
| Average earning assets | $107,844,424,330 | 21 |
| Average equity | $8,169,303,670 | 33 |
| Average total loans | $33,960,934,670 | 38 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3217% | 6,089 |
| Cost of funding earning assets | 0.1409% | 5,666 |
| Net interest margin | 1.1807% | 6,085 |
| Noninterest income to average assets | 2.9187% | 209 |
| Noninterest expense to average assets | 2.7555% | 3,220 |
| Loan and lease loss provision to assets | 0.0152% | 3,487 |
| Net operating income to assets | 0.8220% | 3,142 |
| Return on assets (ROA) | 0.8226% | 3,262 |
| Pretax return on assets | 1.2247% | 2,604 |
| Return on Equity (ROE) | 11.9417% | 1,330 |
| Retained earnings to average equity (ytd only) | 8.2166% | 1,367 |
| Net charge-offs to loans | 0.0316% | 2,319 |
| Credit loss provision to net charge-offs | 167.0053% | 1,200 |
| Earnings coverage of net charge-offs (x) | 136.2370% | 433 |
| Efficiency ratio | 68.8026% | 3,330 |
| Assets per employee ($millions) | 7.3309% | 762 |
| Cash dividends to net income (ytd only)* | 31.1942% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5727% | 5,787 |
| Loan loss allowance to noncurrent loans | 112.2259% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 4,945 |
| Noncurrent loans to loans | 0.5103% | 3,650 |
| Net loans and leases to total assets | 28.9092% | 5,849 |
| Net loans and leases to deposits | 34.5381% | 5,858 |
| Net loans and leases to core deposits | 87.5401% | 2,606 |
| Total domestic deposits to total assets | 33.8321% | 6,086 |
| Equity capital to assets | 6.9648% | 6,011 |
| Core capital (leverage) ratio | 6.8692% | 6,008 |
| Tier 1 risk-based capital ratio | 10.3811% | 5,797 |
| Total risk-based capital ratio | 12.2653% | 5,405 |
| Memoranda: | ||
| Average total assets | $116,912,435,000 | 22 |
| Average earning assets | $106,518,531,000 | 21 |
| Average equity | $8,053,443,500 | 33 |
| Average total loans | $33,662,868,500 | 38 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1909% | 6,140 |
| Cost of funding earning assets | 0.1274% | 5,838 |
| Net interest margin | 1.0634% | 6,139 |
| Noninterest income to average assets | 3.0828% | 196 |
| Noninterest expense to average assets | 2.7889% | 3,277 |
| Loan and lease loss provision to assets | -0.0471% | 5,737 |
| Net operating income to assets | 0.8684% | 3,030 |
| Return on assets (ROA) | 0.8681% | 3,104 |
| Pretax return on assets | 1.3104% | 2,241 |
| Return on Equity (ROE) | 12.7004% | 1,129 |
| Retained earnings to average equity (ytd only) | 5.0250% | 2,397 |
| Net charge-offs to loans | 0.0584% | 3,046 |
| Credit loss provision to net charge-offs | -281.2373% | 5,338 |
| Earnings coverage of net charge-offs (x) | 75.5146% | 731 |
| Efficiency ratio | 68.5815% | 3,469 |
| Assets per employee ($millions) | 7.3156% | 781 |
| Cash dividends to net income (ytd only)* | 60.4339% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5842% | 5,815 |
| Loan loss allowance to noncurrent loans | 103.5694% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 4,930 |
| Noncurrent loans to loans | 0.5640% | 3,485 |
| Net loans and leases to total assets | 28.3416% | 5,938 |
| Net loans and leases to deposits | 33.7875% | 5,936 |
| Net loans and leases to core deposits | 83.0611% | 3,044 |
| Total domestic deposits to total assets | 34.9590% | 6,144 |
| Equity capital to assets | 6.8114% | 6,076 |
| Core capital (leverage) ratio | 6.7315% | 6,075 |
| Tier 1 risk-based capital ratio | 10.3757% | 5,830 |
| Total risk-based capital ratio | 11.9880% | 5,570 |
| Memoranda: | ||
| Average total assets | $114,366,198,800 | 20 |
| Average earning assets | $104,298,303,800 | 20 |
| Average equity | $7,817,246,400 | 32 |
| Average total loans | $32,756,702,200 | 38 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1703% | 6,236 |
| Cost of funding earning assets | 0.1260% | 5,944 |
| Net interest margin | 1.0443% | 6,234 |
| Noninterest income to average assets | 3.1483% | 201 |
| Noninterest expense to average assets | 2.7645% | 3,330 |
| Loan and lease loss provision to assets | -0.0095% | 5,814 |
| Net operating income to assets | 0.8844% | 3,021 |
| Return on assets (ROA) | 0.8840% | 3,103 |
| Pretax return on assets | 1.3451% | 2,228 |
| Return on Equity (ROE) | 12.9214% | 1,141 |
| Retained earnings to average equity (ytd only) | 5.2190% | 2,765 |
| Net charge-offs to loans | 0.0675% | 2,603 |
| Credit loss provision to net charge-offs | -48.9197% | 4,967 |
| Earnings coverage of net charge-offs (x) | 69.0583% | 825 |
| Efficiency ratio | 67.1639% | 3,679 |
| Assets per employee ($millions) | 7.5981% | 652 |
| Cash dividends to net income (ytd only)* | 59.6095% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7257% | 5,671 |
| Loan loss allowance to noncurrent loans | 120.6028% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1753% | 5,052 |
| Noncurrent loans to loans | 0.6018% | 3,517 |
| Net loans and leases to total assets | 27.6965% | 6,035 |
| Net loans and leases to deposits | 32.8795% | 6,037 |
| Net loans and leases to core deposits | 82.5003% | 3,200 |
| Total domestic deposits to total assets | 34.3721% | 6,231 |
| Equity capital to assets | 6.6426% | 6,172 |
| Core capital (leverage) ratio | 6.9530% | 6,137 |
| Tier 1 risk-based capital ratio | 9.9441% | 6,056 |
| Total risk-based capital ratio | 11.6088% | 5,870 |
| Memoranda: | ||
| Average total assets | $113,860,057,500 | 20 |
| Average earning assets | $103,831,627,750 | 19 |
| Average equity | $7,789,609,500 | 32 |
| Average total loans | $32,650,661,750 | 37 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1897% | 6,312 |
| Cost of funding earning assets | 0.1330% | 5,964 |
| Net interest margin | 1.0567% | 6,310 |
| Noninterest income to average assets | 3.2710% | 196 |
| Noninterest expense to average assets | 2.8032% | 3,224 |
| Loan and lease loss provision to assets | -0.0045% | 5,941 |
| Net operating income to assets | 0.9364% | 2,707 |
| Return on assets (ROA) | 0.9359% | 2,826 |
| Pretax return on assets | 1.4330% | 1,856 |
| Return on Equity (ROE) | 13.5399% | 1,000 |
| Retained earnings to average equity (ytd only) | 5.7850% | 2,364 |
| Net charge-offs to loans | 0.0441% | 2,819 |
| Credit loss provision to net charge-offs | -35.5204% | 4,774 |
| Earnings coverage of net charge-offs (x) | 111.9003% | 562 |
| Efficiency ratio | 65.9497% | 4,018 |
| Assets per employee ($millions) | 7.7266% | 602 |
| Cash dividends to net income (ytd only)* | 57.2744% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 5,646 |
| Loan loss allowance to noncurrent loans | 115.0397% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1954% | 5,085 |
| Noncurrent loans to loans | 0.6786% | 3,452 |
| Net loans and leases to total assets | 27.3382% | 6,108 |
| Net loans and leases to deposits | 32.1916% | 6,118 |
| Net loans and leases to core deposits | 76.2627% | 3,742 |
| Total domestic deposits to total assets | 36.6992% | 6,303 |
| Equity capital to assets | 6.5791% | 6,239 |
| Core capital (leverage) ratio | 6.7698% | 6,215 |
| Tier 1 risk-based capital ratio | 10.0747% | 6,062 |
| Total risk-based capital ratio | 11.8986% | 5,802 |
| Memoranda: | ||
| Average total assets | $111,933,280,000 | 21 |
| Average earning assets | $101,832,416,330 | 20 |
| Average equity | $7,737,059,330 | 32 |
| Average total loans | $32,408,079,670 | 37 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2159% | 6,384 |
| Cost of funding earning assets | 0.1390% | 6,004 |
| Net interest margin | 1.0769% | 6,380 |
| Noninterest income to average assets | 3.1540% | 207 |
| Noninterest expense to average assets | 2.8354% | 3,119 |
| Loan and lease loss provision to assets | -0.0121% | 6,105 |
| Net operating income to assets | 0.8607% | 2,958 |
| Return on assets (ROA) | 0.8608% | 3,072 |
| Pretax return on assets | 1.3104% | 2,239 |
| Return on Equity (ROE) | 12.1307% | 1,309 |
| Retained earnings to average equity (ytd only) | 4.3093% | 3,427 |
| Net charge-offs to loans | 0.0568% | 2,192 |
| Credit loss provision to net charge-offs | -71.8949% | 4,436 |
| Earnings coverage of net charge-offs (x) | 76.8379% | 614 |
| Efficiency ratio | 68.1893% | 3,794 |
| Assets per employee ($millions) | 6.9588% | 870 |
| Cash dividends to net income (ytd only)* | 64.4762% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 5,708 |
| Loan loss allowance to noncurrent loans | 113.1182% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2230% | 5,044 |
| Noncurrent loans to loans | 0.7018% | 3,522 |
| Net loans and leases to total assets | 30.3662% | 6,059 |
| Net loans and leases to deposits | 36.9441% | 6,024 |
| Net loans and leases to core deposits | 84.8868% | 2,668 |
| Total domestic deposits to total assets | 36.9334% | 6,374 |
| Equity capital to assets | 7.2588% | 6,230 |
| Core capital (leverage) ratio | 6.9019% | 6,247 |
| Tier 1 risk-based capital ratio | 9.9803% | 6,173 |
| Total risk-based capital ratio | 11.8388% | 5,912 |
| Memoranda: | ||
| Average total assets | $108,099,781,500 | 21 |
| Average earning assets | $98,308,158,500 | 21 |
| Average equity | $7,671,266,500 | 32 |
| Average total loans | $32,135,198,000 | 37 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2286% | 6,463 |
| Cost of funding earning assets | 0.1633% | 6,021 |
| Net interest margin | 1.0653% | 6,460 |
| Noninterest income to average assets | 3.0601% | 187 |
| Noninterest expense to average assets | 2.8793% | 3,208 |
| Loan and lease loss provision to assets | 0.0065% | 4,495 |
| Net operating income to assets | 0.7757% | 3,492 |
| Return on assets (ROA) | 0.7727% | 3,603 |
| Pretax return on assets | 1.1372% | 2,941 |
| Return on Equity (ROE) | 11.2275% | 1,646 |
| Retained earnings to average equity (ytd only) | 7.1302% | 1,339 |
| Net charge-offs to loans | 0.0585% | 3,667 |
| Credit loss provision to net charge-offs | 38.9788% | 3,692 |
| Earnings coverage of net charge-offs (x) | 68.6117% | 720 |
| Efficiency ratio | 71.0394% | 3,364 |
| Assets per employee ($millions) | 7.2566% | 733 |
| Cash dividends to net income (ytd only)* | 36.4933% | 3,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 5,653 |
| Loan loss allowance to noncurrent loans | 111.9699% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 5,092 |
| Noncurrent loans to loans | 0.7536% | 3,437 |
| Net loans and leases to total assets | 28.6260% | 6,221 |
| Net loans and leases to deposits | 34.2360% | 6,216 |
| Net loans and leases to core deposits | 78.0921% | 3,509 |
| Total domestic deposits to total assets | 37.7469% | 6,464 |
| Equity capital to assets | 6.9386% | 6,339 |
| Core capital (leverage) ratio | 6.8801% | 6,331 |
| Tier 1 risk-based capital ratio | 11.7614% | 5,508 |
| Total risk-based capital ratio | 13.7819% | 4,936 |
| Memoranda: | ||
| Average total assets | $106,392,001,400 | 20 |
| Average earning assets | $96,596,462,400 | 20 |
| Average equity | $7,321,903,200 | 32 |
| Average total loans | $30,420,797,200 | 36 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2300% | 6,550 |
| Cost of funding earning assets | 0.1694% | 6,068 |
| Net interest margin | 1.0606% | 6,547 |
| Noninterest income to average assets | 3.0436% | 187 |
| Noninterest expense to average assets | 2.9062% | 3,095 |
| Loan and lease loss provision to assets | 0.0049% | 4,315 |
| Net operating income to assets | 0.7323% | 3,776 |
| Return on assets (ROA) | 0.7292% | 3,893 |
| Pretax return on assets | 1.0893% | 3,235 |
| Return on Equity (ROE) | 10.6186% | 1,939 |
| Retained earnings to average equity (ytd only) | 5.1024% | 3,018 |
| Net charge-offs to loans | 0.0551% | 3,429 |
| Credit loss provision to net charge-offs | 31.4116% | 3,434 |
| Earnings coverage of net charge-offs (x) | 69.8665% | 782 |
| Efficiency ratio | 72.1020% | 3,152 |
| Assets per employee ($millions) | 7.3943% | 671 |
| Cash dividends to net income (ytd only)* | 51.9482% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8769% | 5,670 |
| Loan loss allowance to noncurrent loans | 109.6613% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 5,289 |
| Noncurrent loans to loans | 0.7996% | 3,584 |
| Net loans and leases to total assets | 27.4834% | 6,326 |
| Net loans and leases to deposits | 32.8114% | 6,325 |
| Net loans and leases to core deposits | 80.5478% | 3,252 |
| Total domestic deposits to total assets | 35.2769% | 6,545 |
| Equity capital to assets | 6.7229% | 6,419 |
| Core capital (leverage) ratio | 6.7760% | 6,407 |
| Tier 1 risk-based capital ratio | 11.6462% | 5,704 |
| Total risk-based capital ratio | 13.6168% | 5,185 |
| Memoranda: | ||
| Average total assets | $105,590,762,500 | 21 |
| Average earning assets | $95,710,800,000 | 21 |
| Average equity | $7,251,251,750 | 33 |
| Average total loans | $30,115,938,500 | 37 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2587% | 6,613 |
| Cost of funding earning assets | 0.1726% | 6,117 |
| Net interest margin | 1.0861% | 6,610 |
| Noninterest income to average assets | 3.0757% | 183 |
| Noninterest expense to average assets | 2.9728% | 2,929 |
| Loan and lease loss provision to assets | 0.0087% | 4,061 |
| Net operating income to assets | 0.7177% | 3,740 |
| Return on assets (ROA) | 0.7129% | 3,863 |
| Pretax return on assets | 1.0662% | 3,222 |
| Return on Equity (ROE) | 10.3036% | 2,010 |
| Retained earnings to average equity (ytd only) | 1.9534% | 4,901 |
| Net charge-offs to loans | 0.0492% | 3,263 |
| Credit loss provision to net charge-offs | 61.5615% | 2,612 |
| Earnings coverage of net charge-offs (x) | 76.4207% | 691 |
| Efficiency ratio | 72.8473% | 3,185 |
| Assets per employee ($millions) | 7.0801% | 772 |
| Cash dividends to net income (ytd only)* | 81.0414% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 5,730 |
| Loan loss allowance to noncurrent loans | 113.5238% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 5,371 |
| Noncurrent loans to loans | 0.7897% | 3,723 |
| Net loans and leases to total assets | 28.8612% | 6,338 |
| Net loans and leases to deposits | 33.9475% | 6,347 |
| Net loans and leases to core deposits | 83.2229% | 2,823 |
| Total domestic deposits to total assets | 35.9631% | 6,611 |
| Equity capital to assets | 6.8845% | 6,457 |
| Core capital (leverage) ratio | 6.7154% | 6,475 |
| Tier 1 risk-based capital ratio | 11.4340% | 5,840 |
| Total risk-based capital ratio | 13.6630% | 5,209 |
| Memoranda: | ||
| Average total assets | $103,855,613,670 | 21 |
| Average earning assets | $93,617,890,000 | 21 |
| Average equity | $7,185,436,000 | 33 |
| Average total loans | $29,914,617,670 | 37 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2735% | 6,690 |
| Cost of funding earning assets | 0.1683% | 6,237 |
| Net interest margin | 1.1052% | 6,689 |
| Noninterest income to average assets | 3.0423% | 179 |
| Noninterest expense to average assets | 2.9060% | 3,184 |
| Loan and lease loss provision to assets | 0.0104% | 3,696 |
| Net operating income to assets | 0.7473% | 3,436 |
| Return on assets (ROA) | 0.7368% | 3,588 |
| Pretax return on assets | 1.1051% | 2,884 |
| Return on Equity (ROE) | 10.6230% | 1,811 |
| Retained earnings to average equity (ytd only) | 2.2311% | 4,713 |
| Net charge-offs to loans | 0.0201% | 3,182 |
| Credit loss provision to net charge-offs | 179.6907% | 1,123 |
| Earnings coverage of net charge-offs (x) | 196.0114% | 246 |
| Efficiency ratio | 71.5100% | 3,578 |
| Assets per employee ($millions) | 7.0629% | 785 |
| Cash dividends to net income (ytd only)* | 78.9977% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 5,735 |
| Loan loss allowance to noncurrent loans | 102.5738% | 3,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 5,352 |
| Noncurrent loans to loans | 0.9177% | 3,586 |
| Net loans and leases to total assets | 28.3883% | 6,405 |
| Net loans and leases to deposits | 33.5888% | 6,388 |
| Net loans and leases to core deposits | 80.4543% | 2,915 |
| Total domestic deposits to total assets | 36.6246% | 6,682 |
| Equity capital to assets | 6.9544% | 6,460 |
| Core capital (leverage) ratio | 6.9161% | 6,488 |
| Tier 1 risk-based capital ratio | 11.6616% | 5,830 |
| Total risk-based capital ratio | 14.2378% | 4,943 |
| Memoranda: | ||
| Average total assets | $103,078,832,000 | 21 |
| Average earning assets | $92,775,765,500 | 21 |
| Average equity | $7,149,717,500 | 33 |
| Average total loans | $29,523,127,000 | 36 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3366% | 6,757 |
| Cost of funding earning assets | 0.2052% | 6,261 |
| Net interest margin | 1.1314% | 6,754 |
| Noninterest income to average assets | 3.0393% | 225 |
| Noninterest expense to average assets | 2.9129% | 3,335 |
| Loan and lease loss provision to assets | 0.0206% | 4,721 |
| Net operating income to assets | 0.7510% | 3,545 |
| Return on assets (ROA) | 0.7498% | 3,647 |
| Pretax return on assets | 1.1119% | 2,911 |
| Return on Equity (ROE) | 10.2451% | 2,013 |
| Retained earnings to average equity (ytd only) | -2.1482% | 6,192 |
| Net charge-offs to loans | 0.1361% | 3,443 |
| Credit loss provision to net charge-offs | 50.3407% | 3,804 |
| Earnings coverage of net charge-offs (x) | 27.7688% | 1,262 |
| Efficiency ratio | 71.4374% | 3,581 |
| Assets per employee ($millions) | 7.0799% | 731 |
| Cash dividends to net income (ytd only)* | 120.9679% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 5,771 |
| Loan loss allowance to noncurrent loans | 99.5522% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 5,405 |
| Noncurrent loans to loans | 0.9506% | 3,611 |
| Net loans and leases to total assets | 28.3536% | 6,516 |
| Net loans and leases to deposits | 33.9575% | 6,488 |
| Net loans and leases to core deposits | 85.0739% | 2,555 |
| Total domestic deposits to total assets | 34.4928% | 6,763 |
| Equity capital to assets | 6.9178% | 6,477 |
| Core capital (leverage) ratio | 6.8479% | 6,551 |
| Tier 1 risk-based capital ratio | 11.5479% | 5,880 |
| Total risk-based capital ratio | 14.2799% | 4,901 |
| Memoranda: | ||
| Average total assets | $97,027,623,600 | 21 |
| Average earning assets | $86,424,457,200 | 23 |
| Average equity | $7,100,596,800 | 32 |
| Average total loans | $29,125,612,400 | 35 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3396% | 6,841 |
| Cost of funding earning assets | 0.2121% | 6,340 |
| Net interest margin | 1.1275% | 6,839 |
| Noninterest income to average assets | 3.0553% | 231 |
| Noninterest expense to average assets | 2.8974% | 3,319 |
| Loan and lease loss provision to assets | 0.0202% | 4,594 |
| Net operating income to assets | 0.7681% | 3,520 |
| Return on assets (ROA) | 0.7662% | 3,657 |
| Pretax return on assets | 1.1359% | 2,963 |
| Return on Equity (ROE) | 10.3190% | 2,061 |
| Retained earnings to average equity (ytd only) | -3.2012% | 6,370 |
| Net charge-offs to loans | 0.1148% | 3,399 |
| Credit loss provision to net charge-offs | 57.8010% | 3,343 |
| Earnings coverage of net charge-offs (x) | 33.2042% | 1,149 |
| Efficiency ratio | 70.8586% | 3,623 |
| Assets per employee ($millions) | 6.7025% | 853 |
| Cash dividends to net income (ytd only)* | 131.0227% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 5,773 |
| Loan loss allowance to noncurrent loans | 97.3733% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 5,442 |
| Noncurrent loans to loans | 1.0149% | 3,777 |
| Net loans and leases to total assets | 30.0922% | 6,532 |
| Net loans and leases to deposits | 36.0708% | 6,506 |
| Net loans and leases to core deposits | 89.1138% | 2,063 |
| Total domestic deposits to total assets | 35.0344% | 6,840 |
| Equity capital to assets | 7.3128% | 6,457 |
| Core capital (leverage) ratio | 7.1531% | 6,558 |
| Tier 1 risk-based capital ratio | 11.7258% | 5,937 |
| Total risk-based capital ratio | 13.3449% | 5,656 |
| Memoranda: | ||
| Average total assets | $95,619,867,000 | 21 |
| Average earning assets | $84,880,740,500 | 22 |
| Average equity | $7,100,323,500 | 32 |
| Average total loans | $29,060,647,500 | 35 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3276% | 6,894 |
| Cost of funding earning assets | 0.2166% | 6,390 |
| Net interest margin | 1.1109% | 6,890 |
| Noninterest income to average assets | 3.0275% | 249 |
| Noninterest expense to average assets | 2.8829% | 3,389 |
| Loan and lease loss provision to assets | 0.0198% | 4,501 |
| Net operating income to assets | 0.7415% | 3,611 |
| Return on assets (ROA) | 0.7418% | 3,762 |
| Pretax return on assets | 1.1084% | 3,063 |
| Return on Equity (ROE) | 9.9391% | 2,224 |
| Retained earnings to average equity (ytd only) | -5.7560% | 6,499 |
| Net charge-offs to loans | 0.1154% | 3,207 |
| Credit loss provision to net charge-offs | 56.5339% | 3,084 |
| Earnings coverage of net charge-offs (x) | 32.1454% | 1,099 |
| Efficiency ratio | 71.3397% | 3,589 |
| Assets per employee ($millions) | 6.8395% | 774 |
| Cash dividends to net income (ytd only)* | 157.9120% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 5,785 |
| Loan loss allowance to noncurrent loans | 101.8298% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3093% | 5,550 |
| Noncurrent loans to loans | 0.9900% | 3,957 |
| Net loans and leases to total assets | 29.4357% | 6,595 |
| Net loans and leases to deposits | 36.3212% | 6,544 |
| Net loans and leases to core deposits | 89.5816% | 1,942 |
| Total domestic deposits to total assets | 34.1325% | 6,893 |
| Equity capital to assets | 7.1718% | 6,556 |
| Core capital (leverage) ratio | 7.3209% | 6,522 |
| Tier 1 risk-based capital ratio | 11.3381% | 6,180 |
| Total risk-based capital ratio | 13.0308% | 5,878 |
| Memoranda: | ||
| Average total assets | $95,616,035,000 | 21 |
| Average earning assets | $84,626,494,330 | 22 |
| Average equity | $7,135,988,330 | 32 |
| Average total loans | $29,059,274,330 | 33 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3482% | 6,972 |
| Cost of funding earning assets | 0.2266% | 6,433 |
| Net interest margin | 1.1216% | 6,972 |
| Noninterest income to average assets | 2.9456% | 258 |
| Noninterest expense to average assets | 2.8919% | 3,375 |
| Loan and lease loss provision to assets | 0.0215% | 4,197 |
| Net operating income to assets | 0.6970% | 3,698 |
| Return on assets (ROA) | 0.6975% | 3,839 |
| Pretax return on assets | 1.0371% | 3,195 |
| Return on Equity (ROE) | 9.1640% | 2,407 |
| Retained earnings to average equity (ytd only) | 0.5882% | 5,592 |
| Net charge-offs to loans | 0.1197% | 2,704 |
| Credit loss provision to net charge-offs | 58.5232% | 2,476 |
| Earnings coverage of net charge-offs (x) | 28.7542% | 976 |
| Efficiency ratio | 72.6634% | 3,491 |
| Assets per employee ($millions) | 6.6681% | 911 |
| Cash dividends to net income (ytd only)* | 93.5815% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 5,923 |
| Loan loss allowance to noncurrent loans | 111.9624% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 5,688 |
| Noncurrent loans to loans | 0.9102% | 4,316 |
| Net loans and leases to total assets | 30.7785% | 6,571 |
| Net loans and leases to deposits | 36.9108% | 6,540 |
| Net loans and leases to core deposits | 91.8334% | 1,520 |
| Total domestic deposits to total assets | 35.1238% | 6,965 |
| Equity capital to assets | 7.7932% | 6,472 |
| Core capital (leverage) ratio | 7.6527% | 6,383 |
| Tier 1 risk-based capital ratio | 12.1798% | 5,804 |
| Total risk-based capital ratio | 13.9524% | 5,381 |
| Memoranda: | ||
| Average total assets | $94,979,650,500 | 22 |
| Average earning assets | $85,021,368,000 | 22 |
| Average equity | $7,229,626,000 | 32 |
| Average total loans | $29,183,733,000 | 33 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5026% | 7,025 |
| Cost of funding earning assets | 0.2945% | 6,482 |
| Net interest margin | 1.2081% | 7,020 |
| Noninterest income to average assets | 2.8820% | 270 |
| Noninterest expense to average assets | 2.8555% | 3,832 |
| Loan and lease loss provision to assets | 0.0308% | 5,510 |
| Net operating income to assets | 0.7443% | 3,540 |
| Return on assets (ROA) | 0.7427% | 3,785 |
| Pretax return on assets | 1.0803% | 3,231 |
| Return on Equity (ROE) | 9.9604% | 2,189 |
| Retained earnings to average equity (ytd only) | 3.7609% | 3,567 |
| Net charge-offs to loans | 0.0894% | 4,780 |
| Credit loss provision to net charge-offs | 111.7499% | 2,608 |
| Earnings coverage of net charge-offs (x) | 40.3529% | 792 |
| Efficiency ratio | 71.4088% | 3,535 |
| Assets per employee ($millions) | 7.0020% | 760 |
| Cash dividends to net income (ytd only)* | 62.2411% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 5,928 |
| Loan loss allowance to noncurrent loans | 108.7999% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 5,770 |
| Noncurrent loans to loans | 0.9279% | 4,336 |
| Net loans and leases to total assets | 30.0670% | 6,696 |
| Net loans and leases to deposits | 35.1320% | 6,708 |
| Net loans and leases to core deposits | 79.8381% | 3,034 |
| Total domestic deposits to total assets | 39.3349% | 7,029 |
| Equity capital to assets | 7.4383% | 6,655 |
| Core capital (leverage) ratio | 7.6139% | 6,441 |
| Tier 1 risk-based capital ratio | 11.8973% | 5,845 |
| Total risk-based capital ratio | 13.7356% | 5,443 |
| Memoranda: | ||
| Average total assets | $95,182,126,200 | 20 |
| Average earning assets | $85,638,928,600 | 19 |
| Average equity | $7,097,421,000 | 32 |
| Average total loans | $29,377,017,400 | 33 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5383% | 7,133 |
| Cost of funding earning assets | 0.3075% | 6,580 |
| Net interest margin | 1.2308% | 7,128 |
| Noninterest income to average assets | 2.8993% | 260 |
| Noninterest expense to average assets | 2.8390% | 3,845 |
| Loan and lease loss provision to assets | 0.0348% | 5,335 |
| Net operating income to assets | 0.7628% | 3,636 |
| Return on assets (ROA) | 0.7607% | 3,894 |
| Pretax return on assets | 1.1322% | 3,225 |
| Return on Equity (ROE) | 10.1956% | 2,254 |
| Retained earnings to average equity (ytd only) | 3.9682% | 4,092 |
| Net charge-offs to loans | 0.0950% | 4,431 |
| Credit loss provision to net charge-offs | 118.3558% | 2,447 |
| Earnings coverage of net charge-offs (x) | 39.7649% | 884 |
| Efficiency ratio | 70.2878% | 3,639 |
| Assets per employee ($millions) | 6.7357% | 843 |
| Cash dividends to net income (ytd only)* | 61.0793% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 6,035 |
| Loan loss allowance to noncurrent loans | 99.1734% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3446% | 5,822 |
| Noncurrent loans to loans | 1.0191% | 4,413 |
| Net loans and leases to total assets | 31.3221% | 6,765 |
| Net loans and leases to deposits | 37.0100% | 6,783 |
| Net loans and leases to core deposits | 89.3103% | 2,067 |
| Total domestic deposits to total assets | 37.3440% | 7,132 |
| Equity capital to assets | 7.7416% | 6,697 |
| Core capital (leverage) ratio | 7.4615% | 6,640 |
| Tier 1 risk-based capital ratio | 11.8044% | 6,050 |
| Total risk-based capital ratio | 13.7757% | 5,582 |
| Memoranda: | ||
| Average total assets | $94,692,962,250 | 21 |
| Average earning assets | $85,384,697,000 | 20 |
| Average equity | $7,065,396,750 | 34 |
| Average total loans | $29,345,138,500 | 33 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5454% | 7,203 |
| Cost of funding earning assets | 0.3069% | 6,710 |
| Net interest margin | 1.2385% | 7,194 |
| Noninterest income to average assets | 2.9129% | 255 |
| Noninterest expense to average assets | 2.8608% | 3,776 |
| Loan and lease loss provision to assets | 0.0306% | 5,285 |
| Net operating income to assets | 0.7656% | 3,531 |
| Return on assets (ROA) | 0.7626% | 3,810 |
| Pretax return on assets | 1.1324% | 3,177 |
| Return on Equity (ROE) | 10.3472% | 2,223 |
| Retained earnings to average equity (ytd only) | 4.0711% | 3,896 |
| Net charge-offs to loans | 0.0613% | 4,565 |
| Credit loss provision to net charge-offs | 162.2742% | 1,717 |
| Earnings coverage of net charge-offs (x) | 61.9082% | 618 |
| Efficiency ratio | 70.5067% | 3,683 |
| Assets per employee ($millions) | 6.8636% | 782 |
| Cash dividends to net income (ytd only)* | 60.6550% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0144% | 6,094 |
| Loan loss allowance to noncurrent loans | 110.6401% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 5,978 |
| Noncurrent loans to loans | 0.9168% | 4,669 |
| Net loans and leases to total assets | 31.1059% | 6,847 |
| Net loans and leases to deposits | 37.2965% | 6,831 |
| Net loans and leases to core deposits | 88.0464% | 2,204 |
| Total domestic deposits to total assets | 37.7133% | 7,198 |
| Equity capital to assets | 7.5382% | 6,784 |
| Core capital (leverage) ratio | 7.4149% | 6,659 |
| Tier 1 risk-based capital ratio | 11.9084% | 5,986 |
| Total risk-based capital ratio | 13.8309% | 5,493 |
| Memoranda: | ||
| Average total assets | $95,129,495,000 | 20 |
| Average earning assets | $85,671,038,000 | 20 |
| Average equity | $7,010,729,670 | 34 |
| Average total loans | $29,277,424,670 | 33 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5887% | 7,261 |
| Cost of funding earning assets | 0.3471% | 6,654 |
| Net interest margin | 1.2417% | 7,258 |
| Noninterest income to average assets | 2.9362% | 251 |
| Noninterest expense to average assets | 2.8337% | 3,885 |
| Loan and lease loss provision to assets | 0.0273% | 5,017 |
| Net operating income to assets | 0.8008% | 3,374 |
| Return on assets (ROA) | 0.7940% | 3,646 |
| Pretax return on assets | 1.1801% | 2,983 |
| Return on Equity (ROE) | 10.8965% | 2,061 |
| Retained earnings to average equity (ytd only) | 4.5792% | 3,833 |
| Net charge-offs to loans | 0.0798% | 3,698 |
| Credit loss provision to net charge-offs | 112.3559% | 2,099 |
| Earnings coverage of net charge-offs (x) | 50.0706% | 632 |
| Efficiency ratio | 69.3222% | 3,925 |
| Assets per employee ($millions) | 6.6912% | 884 |
| Cash dividends to net income (ytd only)* | 57.9756% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 6,192 |
| Loan loss allowance to noncurrent loans | 104.3845% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3345% | 6,046 |
| Noncurrent loans to loans | 0.9709% | 4,738 |
| Net loans and leases to total assets | 31.5995% | 6,849 |
| Net loans and leases to deposits | 38.2620% | 6,808 |
| Net loans and leases to core deposits | 90.9354% | 1,758 |
| Total domestic deposits to total assets | 37.1874% | 7,262 |
| Equity capital to assets | 7.7057% | 6,690 |
| Core capital (leverage) ratio | 7.1089% | 6,799 |
| Tier 1 risk-based capital ratio | 11.6773% | 6,175 |
| Total risk-based capital ratio | 13.5734% | 5,702 |
| Memoranda: | ||
| Average total assets | $95,586,072,500 | 21 |
| Average earning assets | $85,839,209,500 | 20 |
| Average equity | $6,964,976,000 | 34 |
| Average total loans | $29,112,533,000 | 33 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6504% | 7,308 |
| Cost of funding earning assets | 0.4154% | 6,849 |
| Net interest margin | 1.2349% | 7,307 |
| Noninterest income to average assets | 2.7077% | 238 |
| Noninterest expense to average assets | 2.8325% | 4,229 |
| Loan and lease loss provision to assets | 0.0612% | 5,846 |
| Net operating income to assets | 0.6143% | 3,920 |
| Return on assets (ROA) | 0.5974% | 4,197 |
| Pretax return on assets | 0.8850% | 3,660 |
| Return on Equity (ROE) | 8.1385% | 2,839 |
| Retained earnings to average equity (ytd only) | 1.0118% | 5,389 |
| Net charge-offs to loans | 0.2928% | 3,943 |
| Credit loss provision to net charge-offs | 70.2183% | 4,838 |
| Earnings coverage of net charge-offs (x) | 11.1363% | 1,751 |
| Efficiency ratio | 73.9545% | 3,247 |
| Assets per employee ($millions) | 7.2710% | 637 |
| Cash dividends to net income (ytd only)* | 87.5674% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0142% | 6,148 |
| Loan loss allowance to noncurrent loans | 96.0635% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 6,151 |
| Noncurrent loans to loans | 1.0558% | 4,601 |
| Net loans and leases to total assets | 28.8202% | 7,041 |
| Net loans and leases to deposits | 34.2348% | 7,037 |
| Net loans and leases to core deposits | 69.7126% | 4,817 |
| Total domestic deposits to total assets | 43.5114% | 7,302 |
| Equity capital to assets | 6.9031% | 6,984 |
| Core capital (leverage) ratio | 6.8019% | 6,919 |
| Tier 1 risk-based capital ratio | 11.7262% | 6,008 |
| Total risk-based capital ratio | 13.7873% | 5,407 |
| Memoranda: | ||
| Average total assets | $95,586,975,400 | 19 |
| Average earning assets | $84,832,780,800 | 20 |
| Average equity | $7,015,876,600 | 32 |
| Average total loans | $28,471,832,200 | 33 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3838% | 7,396 |
| Cost of funding earning assets | 0.4341% | 6,924 |
| Net interest margin | 0.9497% | 7,396 |
| Noninterest income to average assets | 2.9074% | 229 |
| Noninterest expense to average assets | 2.8392% | 4,193 |
| Loan and lease loss provision to assets | -0.0120% | 7,304 |
| Net operating income to assets | 0.6072% | 4,053 |
| Return on assets (ROA) | 0.5801% | 4,358 |
| Pretax return on assets | 0.8664% | 3,891 |
| Return on Equity (ROE) | 8.3779% | 2,880 |
| Retained earnings to average equity (ytd only) | 2.3135% | 4,961 |
| Net charge-offs to loans | 0.1316% | 4,735 |
| Credit loss provision to net charge-offs | -45.4655% | 6,465 |
| Earnings coverage of net charge-offs (x) | 33.9121% | 860 |
| Efficiency ratio | 75.5728% | 2,905 |
| Assets per employee ($millions) | 7.3683% | 612 |
| Cash dividends to net income (ytd only)* | 72.3861% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 6,251 |
| Loan loss allowance to noncurrent loans | 124.9901% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 6,631 |
| Noncurrent loans to loans | 0.8026% | 5,266 |
| Net loans and leases to total assets | 19.4994% | 7,289 |
| Net loans and leases to deposits | 24.9756% | 7,282 |
| Net loans and leases to core deposits | 79.3954% | 3,723 |
| Total domestic deposits to total assets | 27.5917% | 7,391 |
| Equity capital to assets | 6.6315% | 7,114 |
| Core capital (leverage) ratio | 6.4273% | 7,082 |
| Tier 1 risk-based capital ratio | 11.3286% | 6,338 |
| Total risk-based capital ratio | 13.6181% | 5,593 |
| Memoranda: | ||
| Average total assets | $79,386,566,750 | 23 |
| Average earning assets | $69,107,485,750 | 22 |
| Average equity | $5,496,365,250 | 36 |
| Average total loans | $15,918,856,750 | 49 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4017% | 7,473 |
| Cost of funding earning assets | 0.4661% | 6,967 |
| Net interest margin | 0.9356% | 7,474 |
| Noninterest income to average assets | 2.7951% | 237 |
| Noninterest expense to average assets | 2.7535% | 4,616 |
| Loan and lease loss provision to assets | -0.0175% | 7,376 |
| Net operating income to assets | 0.5825% | 4,142 |
| Return on assets (ROA) | 0.5450% | 4,462 |
| Pretax return on assets | 0.8221% | 3,939 |
| Return on Equity (ROE) | 7.7558% | 3,069 |
| Retained earnings to average equity (ytd only) | 7.7558% | 1,550 |
| Net charge-offs to loans | 0.0411% | 5,276 |
| Credit loss provision to net charge-offs | -210.8267% | 6,395 |
| Earnings coverage of net charge-offs (x) | 103.7665% | 353 |
| Efficiency ratio | 75.8056% | 3,051 |
| Assets per employee ($millions) | 7.6160% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 6,002 |
| Loan loss allowance to noncurrent loans | 111.4319% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 6,627 |
| Noncurrent loans to loans | 0.9768% | 5,031 |
| Net loans and leases to total assets | 19.0759% | 7,377 |
| Net loans and leases to deposits | 24.1307% | 7,373 |
| Net loans and leases to core deposits | 99.6422% | 1,373 |
| Total domestic deposits to total assets | 22.3349% | 7,465 |
| Equity capital to assets | 6.6634% | 7,160 |
| Core capital (leverage) ratio | 6.8819% | 7,037 |
| Tier 1 risk-based capital ratio | 12.4979% | 5,349 |
| Total risk-based capital ratio | 14.9138% | 4,386 |
| Memoranda: | ||
| Average total assets | $78,117,006,330 | 24 |
| Average earning assets | $68,441,284,000 | 23 |
| Average equity | $5,489,448,000 | 37 |
| Average total loans | $15,762,824,000 | 52 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4075% | 7,535 |
| Cost of funding earning assets | 0.4754% | 7,049 |
| Net interest margin | 0.9321% | 7,534 |
| Noninterest income to average assets | 2.8066% | 239 |
| Noninterest expense to average assets | 2.7331% | 4,708 |
| Loan and lease loss provision to assets | -0.0509% | 7,469 |
| Net operating income to assets | 0.6212% | 3,919 |
| Return on assets (ROA) | 0.6017% | 4,090 |
| Pretax return on assets | 0.9182% | 3,434 |
| Return on Equity (ROE) | 8.3200% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.3200% | 1,613 |
| Net charge-offs to loans | -0.0446% | 6,842 |
| Credit loss provision to net charge-offs | 551.2435% | 667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8846% | 3,350 |
| Assets per employee ($millions) | 7.3281% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1605% | 5,798 |
| Loan loss allowance to noncurrent loans | 122.6985% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 6,683 |
| Noncurrent loans to loans | 0.9458% | 5,145 |
| Net loans and leases to total assets | 19.2143% | 7,435 |
| Net loans and leases to deposits | 24.8831% | 7,418 |
| Net loans and leases to core deposits | 114.7383% | 574 |
| Total domestic deposits to total assets | 20.0959% | 7,531 |
| Equity capital to assets | 6.9008% | 7,118 |
| Core capital (leverage) ratio | 7.7411% | 6,516 |
| Tier 1 risk-based capital ratio | 13.3317% | 4,552 |
| Total risk-based capital ratio | 15.9409% | 3,575 |
| Memoranda: | ||
| Average total assets | $74,967,367,000 | 24 |
| Average earning assets | $66,215,644,000 | 25 |
| Average equity | $5,421,661,000 | 37 |
| Average total loans | $15,504,042,000 | 53 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4047% | 7,587 |
| Cost of funding earning assets | 0.4129% | 7,416 |
| Net interest margin | 0.9918% | 7,584 |
| Noninterest income to average assets | 3.3059% | 209 |
| Noninterest expense to average assets | 2.9299% | 4,106 |
| Loan and lease loss provision to assets | 0.0602% | 6,544 |
| Net operating income to assets | 0.8097% | 2,752 |
| Return on assets (ROA) | 0.7889% | 2,978 |
| Pretax return on assets | 1.1539% | 2,381 |
| Return on Equity (ROE) | 10.4424% | 1,781 |
| Retained earnings to average equity (ytd only) | 10.4424% | 446 |
| Net charge-offs to loans | 0.3421% | 4,302 |
| Credit loss provision to net charge-offs | 76.1755% | 5,694 |
| Earnings coverage of net charge-offs (x) | 15.7396% | 1,263 |
| Efficiency ratio | 69.7077% | 4,239 |
| Assets per employee ($millions) | 6.5245% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2047% | 5,490 |
| Loan loss allowance to noncurrent loans | 126.4407% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 6,696 |
| Noncurrent loans to loans | 0.9528% | 5,143 |
| Net loans and leases to total assets | 21.8182% | 7,501 |
| Net loans and leases to deposits | 27.9299% | 7,488 |
| Net loans and leases to core deposits | 123.5389% | 436 |
| Total domestic deposits to total assets | 21.5448% | 7,606 |
| Equity capital to assets | 7.6064% | 6,813 |
| Core capital (leverage) ratio | 7.9634% | 6,255 |
| Tier 1 risk-based capital ratio | 13.3046% | 4,369 |
| Total risk-based capital ratio | 16.1885% | 3,240 |
| Memoranda: | ||
| Average total assets | $67,285,977,200 | 27 |
| Average earning assets | $58,939,286,000 | 26 |
| Average equity | $5,083,329,400 | 40 |
| Average total loans | $15,554,595,000 | 49 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3943% | 7,711 |
| Cost of funding earning assets | 0.3785% | 7,588 |
| Net interest margin | 1.0158% | 7,704 |
| Noninterest income to average assets | 3.3687% | 194 |
| Noninterest expense to average assets | 2.9396% | 3,948 |
| Loan and lease loss provision to assets | 0.0908% | 6,130 |
| Net operating income to assets | 0.8178% | 2,927 |
| Return on assets (ROA) | 0.7999% | 3,155 |
| Pretax return on assets | 1.1986% | 2,496 |
| Return on Equity (ROE) | 10.6066% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.6066% | 667 |
| Net charge-offs to loans | 0.3813% | 3,768 |
| Credit loss provision to net charge-offs | 101.8027% | 4,232 |
| Earnings coverage of net charge-offs (x) | 14.7580% | 1,483 |
| Efficiency ratio | 68.5963% | 4,352 |
| Assets per employee ($millions) | 6.3440% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 4,908 |
| Loan loss allowance to noncurrent loans | 134.3614% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 6,771 |
| Noncurrent loans to loans | 0.9744% | 5,285 |
| Net loans and leases to total assets | 22.4152% | 7,589 |
| Net loans and leases to deposits | 30.5955% | 7,554 |
| Net loans and leases to core deposits | 140.9038% | 253 |
| Total domestic deposits to total assets | 19.1051% | 7,714 |
| Equity capital to assets | 7.7968% | 6,932 |
| Core capital (leverage) ratio | 8.4802% | 5,546 |
| Tier 1 risk-based capital ratio | 12.7033% | 4,811 |
| Total risk-based capital ratio | 15.5574% | 3,589 |
| Memoranda: | ||
| Average total assets | $66,514,109,000 | 27 |
| Average earning assets | $58,085,088,500 | 27 |
| Average equity | $5,015,932,000 | 39 |
| Average total loans | $15,557,885,750 | 50 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3614% | 7,791 |
| Cost of funding earning assets | 0.3467% | 7,690 |
| Net interest margin | 1.0146% | 7,778 |
| Noninterest income to average assets | 3.4386% | 194 |
| Noninterest expense to average assets | 2.9563% | 3,866 |
| Loan and lease loss provision to assets | 0.1125% | 5,782 |
| Net operating income to assets | 0.8429% | 2,761 |
| Return on assets (ROA) | 0.8433% | 2,916 |
| Pretax return on assets | 1.2600% | 2,224 |
| Return on Equity (ROE) | 11.3137% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.3137% | 590 |
| Net charge-offs to loans | 0.4061% | 3,365 |
| Credit loss provision to net charge-offs | 117.2925% | 3,466 |
| Earnings coverage of net charge-offs (x) | 14.3022% | 1,532 |
| Efficiency ratio | 67.8195% | 4,616 |
| Assets per employee ($millions) | 6.3014% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 4,984 |
| Loan loss allowance to noncurrent loans | 126.9796% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 6,736 |
| Noncurrent loans to loans | 1.0158% | 5,277 |
| Net loans and leases to total assets | 23.5853% | 7,647 |
| Net loans and leases to deposits | 32.3420% | 7,605 |
| Net loans and leases to core deposits | 149.0144% | 219 |
| Total domestic deposits to total assets | 19.0180% | 7,782 |
| Equity capital to assets | 7.6482% | 7,025 |
| Core capital (leverage) ratio | 8.3176% | 5,729 |
| Tier 1 risk-based capital ratio | 13.2593% | 4,243 |
| Total risk-based capital ratio | 16.2893% | 3,105 |
| Memoranda: | ||
| Average total assets | $66,181,153,330 | 27 |
| Average earning assets | $58,031,894,670 | 27 |
| Average equity | $4,933,301,330 | 39 |
| Average total loans | $15,632,539,330 | 49 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3382% | 7,898 |
| Cost of funding earning assets | 0.3335% | 7,804 |
| Net interest margin | 1.0047% | 7,876 |
| Noninterest income to average assets | 3.2775% | 197 |
| Noninterest expense to average assets | 2.9374% | 3,923 |
| Loan and lease loss provision to assets | 0.0996% | 5,636 |
| Net operating income to assets | 0.7483% | 3,220 |
| Return on assets (ROA) | 0.7494% | 3,322 |
| Pretax return on assets | 1.1311% | 2,625 |
| Return on Equity (ROE) | 10.1865% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.1865% | 1,099 |
| Net charge-offs to loans | 0.3330% | 3,079 |
| Credit loss provision to net charge-offs | 127.4102% | 2,767 |
| Earnings coverage of net charge-offs (x) | 15.7205% | 1,366 |
| Efficiency ratio | 69.9520% | 4,308 |
| Assets per employee ($millions) | 6.0525% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,902 |
| Loan loss allowance to noncurrent loans | 133.0649% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 6,808 |
| Noncurrent loans to loans | 0.9814% | 5,364 |
| Net loans and leases to total assets | 24.3583% | 7,725 |
| Net loans and leases to deposits | 32.0615% | 7,694 |
| Net loans and leases to core deposits | 123.3741% | 662 |
| Total domestic deposits to total assets | 23.0901% | 7,880 |
| Equity capital to assets | 7.8093% | 6,841 |
| Core capital (leverage) ratio | 7.9634% | 6,288 |
| Tier 1 risk-based capital ratio | 12.8128% | 4,470 |
| Total risk-based capital ratio | 15.8379% | 3,291 |
| Memoranda: | ||
| Average total assets | $65,959,487,500 | 27 |
| Average earning assets | $58,360,239,000 | 27 |
| Average equity | $4,852,179,000 | 39 |
| Average total loans | $15,489,355,500 | 48 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5741% | 7,948 |
| Cost of funding earning assets | 0.4046% | 7,874 |
| Net interest margin | 1.1695% | 7,909 |
| Noninterest income to average assets | 3.5040% | 197 |
| Noninterest expense to average assets | 2.8459% | 4,766 |
| Loan and lease loss provision to assets | 0.1605% | 6,079 |
| Net operating income to assets | 1.0710% | 1,594 |
| Return on assets (ROA) | 1.0460% | 1,727 |
| Pretax return on assets | 1.4822% | 1,226 |
| Return on Equity (ROE) | 15.3679% | 618 |
| Retained earnings to average equity (ytd only) | 7.6262% | 795 |
| Net charge-offs to loans | 0.3487% | 4,486 |
| Credit loss provision to net charge-offs | 178.1415% | 2,345 |
| Earnings coverage of net charge-offs (x) | 18.6246% | 1,117 |
| Efficiency ratio | 62.4077% | 6,072 |
| Assets per employee ($millions) | 6.6233% | 931 |
| Cash dividends to net income (ytd only)* | 50.3757% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,777 |
| Loan loss allowance to noncurrent loans | 136.3628% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 6,931 |
| Noncurrent loans to loans | 0.9521% | 5,404 |
| Net loans and leases to total assets | 22.0943% | 7,839 |
| Net loans and leases to deposits | 31.3011% | 7,794 |
| Net loans and leases to core deposits | 103.9091% | 3,582 |
| Total domestic deposits to total assets | 25.0554% | 7,954 |
| Equity capital to assets | 6.9408% | 7,396 |
| Core capital (leverage) ratio | 7.7378% | 6,520 |
| Tier 1 risk-based capital ratio | 12.6683% | 4,386 |
| Total risk-based capital ratio | 16.1004% | 2,976 |
| Memoranda: | ||
| Average total assets | $66,425,617,600 | 27 |
| Average earning assets | $57,923,663,800 | 27 |
| Average equity | $4,520,965,200 | 38 |
| Average total loans | $17,159,903,800 | 47 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6632% | 8,044 |
| Cost of funding earning assets | 0.4262% | 7,968 |
| Net interest margin | 1.2370% | 7,985 |
| Noninterest income to average assets | 3.5467% | 182 |
| Noninterest expense to average assets | 2.8530% | 4,654 |
| Loan and lease loss provision to assets | 0.2068% | 5,330 |
| Net operating income to assets | 1.0927% | 1,755 |
| Return on assets (ROA) | 1.0628% | 1,911 |
| Pretax return on assets | 1.5171% | 1,360 |
| Return on Equity (ROE) | 15.6965% | 691 |
| Retained earnings to average equity (ytd only) | 5.2269% | 2,358 |
| Net charge-offs to loans | 0.3673% | 3,814 |
| Credit loss provision to net charge-offs | 210.6429% | 2,087 |
| Earnings coverage of net charge-offs (x) | 17.9911% | 1,370 |
| Efficiency ratio | 61.2653% | 6,230 |
| Assets per employee ($millions) | 6.2532% | 1,100 |
| Cash dividends to net income (ytd only)* | 66.7005% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 4,530 |
| Loan loss allowance to noncurrent loans | 112.4233% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 6,785 |
| Noncurrent loans to loans | 1.1533% | 5,013 |
| Net loans and leases to total assets | 24.2524% | 7,897 |
| Net loans and leases to deposits | 34.0669% | 7,858 |
| Net loans and leases to core deposits | 135.1039% | 1,145 |
| Total domestic deposits to total assets | 21.6085% | 8,042 |
| Equity capital to assets | 7.1426% | 7,528 |
| Core capital (leverage) ratio | 7.9147% | 6,480 |
| Tier 1 risk-based capital ratio | 12.3991% | 4,630 |
| Total risk-based capital ratio | 15.8673% | 3,165 |
| Memoranda: | ||
| Average total assets | $65,829,695,000 | 28 |
| Average earning assets | $57,095,907,500 | 29 |
| Average equity | $4,457,227,250 | 40 |
| Average total loans | $17,599,157,500 | 50 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7528% | 8,134 |
| Cost of funding earning assets | 0.4525% | 8,057 |
| Net interest margin | 1.3003% | 8,060 |
| Noninterest income to average assets | 3.5939% | 178 |
| Noninterest expense to average assets | 2.8596% | 4,688 |
| Loan and lease loss provision to assets | 0.1970% | 5,085 |
| Net operating income to assets | 1.1365% | 1,645 |
| Return on assets (ROA) | 1.1013% | 1,845 |
| Pretax return on assets | 1.6119% | 1,180 |
| Return on Equity (ROE) | 16.5628% | 636 |
| Retained earnings to average equity (ytd only) | 0.6428% | 4,933 |
| Net charge-offs to loans | 0.2044% | 4,248 |
| Credit loss provision to net charge-offs | 351.1051% | 1,319 |
| Earnings coverage of net charge-offs (x) | 33.1647% | 932 |
| Efficiency ratio | 60.1098% | 6,533 |
| Assets per employee ($millions) | 6.0211% | 1,206 |
| Cash dividends to net income (ytd only)* | 96.1190% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 5,071 |
| Loan loss allowance to noncurrent loans | 182.5837% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 7,102 |
| Noncurrent loans to loans | 0.6466% | 5,958 |
| Net loans and leases to total assets | 26.9151% | 7,950 |
| Net loans and leases to deposits | 37.2732% | 7,881 |
| Net loans and leases to core deposits | 153.0519% | 584 |
| Total domestic deposits to total assets | 21.3271% | 8,130 |
| Equity capital to assets | 7.1402% | 7,527 |
| Core capital (leverage) ratio | 7.2783% | 7,270 |
| Tier 1 risk-based capital ratio | 11.3069% | 5,588 |
| Total risk-based capital ratio | 14.5975% | 3,840 |
| Memoranda: | ||
| Average total assets | $66,128,639,000 | 28 |
| Average earning assets | $57,279,747,670 | 30 |
| Average equity | $4,396,997,330 | 41 |
| Average total loans | $18,147,332,000 | 52 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8251% | 8,191 |
| Cost of funding earning assets | 0.4735% | 8,109 |
| Net interest margin | 1.3516% | 8,098 |
| Noninterest income to average assets | 2.9515% | 214 |
| Noninterest expense to average assets | 2.6209% | 5,371 |
| Loan and lease loss provision to assets | 0.2541% | 3,933 |
| Net operating income to assets | 0.8312% | 2,987 |
| Return on assets (ROA) | 0.8326% | 3,130 |
| Pretax return on assets | 1.2513% | 2,448 |
| Return on Equity (ROE) | 12.9587% | 1,402 |
| Retained earnings to average equity (ytd only) | 12.9587% | 651 |
| Net charge-offs to loans | 0.0186% | 5,308 |
| Credit loss provision to net charge-offs | 4,967.1642% | 150 |
| Earnings coverage of net charge-offs (x) | 293.8921% | 139 |
| Efficiency ratio | 63.0351% | 5,867 |
| Assets per employee ($millions) | 6.4881% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 5,795 |
| Loan loss allowance to noncurrent loans | 235.6282% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 7,208 |
| Noncurrent loans to loans | 0.4471% | 6,304 |
| Net loans and leases to total assets | 27.8650% | 7,965 |
| Net loans and leases to deposits | 40.7555% | 7,820 |
| Net loans and leases to core deposits | 155.8913% | 563 |
| Total domestic deposits to total assets | 21.2454% | 8,185 |
| Equity capital to assets | 6.7883% | 7,769 |
| Core capital (leverage) ratio | 7.0102% | 7,626 |
| Tier 1 risk-based capital ratio | 11.0104% | 5,902 |
| Total risk-based capital ratio | 14.0049% | 4,265 |
| Memoranda: | ||
| Average total assets | $68,114,958,000 | 28 |
| Average earning assets | $59,094,879,500 | 30 |
| Average equity | $4,376,449,500 | 41 |
| Average total loans | $18,756,373,000 | 53 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 8,146 |
| Cost of funding earning assets | 2.0913% | 6,093 |
| Net interest margin | 1.3314% | 8,199 |
| Noninterest income to average assets | 4.0961% | 145 |
| Noninterest expense to average assets | 3.0601% | 3,861 |
| Loan and lease loss provision to assets | 0.0844% | 6,332 |
| Net operating income to assets | 1.2756% | 1,554 |
| Return on assets (ROA) | 1.2212% | 1,652 |
| Pretax return on assets | 2.0093% | 593 |
| Return on Equity (ROE) | 21.3203% | 287 |
| Retained earnings to average equity (ytd only) | 21.3203% | 24 |
| Net charge-offs to loans | 0.0138% | 6,705 |
| Credit loss provision to net charge-offs | 2,335.8696% | 198 |
| Earnings coverage of net charge-offs (x) | 602.8474% | 92 |
| Efficiency ratio | 57.9262% | 6,709 |
| Assets per employee ($millions) | 6.9736% | 714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 7,085 |
| Loan loss allowance to noncurrent loans | 230.4956% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 7,200 |
| Noncurrent loans to loans | 0.3495% | 6,323 |
| Net loans and leases to total assets | 26.7351% | 8,058 |
| Net loans and leases to deposits | 34.1578% | 8,056 |
| Net loans and leases to core deposits | 133.2236% | 1,639 |
| Total domestic deposits to total assets | 22.9672% | 8,229 |
| Equity capital to assets | 6.0858% | 8,049 |
| Core capital (leverage) ratio | 6.4434% | 7,953 |
| Tier 1 risk-based capital ratio | 10.8678% | 5,842 |
| Total risk-based capital ratio | 14.0599% | 4,140 |
| Memoranda: | ||
| Average total assets | $66,184,806,000 | 27 |
| Average earning assets | $56,808,953,000 | 29 |
| Average equity | $3,790,852,200 | 46 |
| Average total loans | $17,341,050,600 | 54 |