Home > Umpqua Bank > Performance and Condition Ratios
Umpqua Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7057% | 920 |
| Cost of funding earning assets | 1.5835% | 1,732 |
| Net interest margin | 4.1222% | 1,049 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.6738% | 1,811 |
| Loan and lease loss provision to assets | 0.4400% | 217 |
| Net operating income to assets | 0.7783% | 2,943 |
| Return on assets (ROA) | 0.7821% | 2,907 |
| Pretax return on assets | 1.0531% | 2,526 |
| Return on Equity (ROE) | 8.0300% | 3,015 |
| Retained earnings to average equity (ytd only) | 0.5893% | 3,937 |
| Net charge-offs to loans | 0.2759% | 388 |
| Credit loss provision to net charge-offs | 217.0662% | 1,164 |
| Earnings coverage of net charge-offs (x) | 7.4827% | 2,405 |
| Efficiency ratio | 58.7841% | 3,209 |
| Assets per employee ($millions) | 10.4607% | 622 |
| Cash dividends to net income (ytd only)* | 92.6633% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 2,432 |
| Loan loss allowance to noncurrent loans | 387.0209% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 2,120 |
| Noncurrent loans to loans | 0.3040% | 2,098 |
| Net loans and leases to total assets | 70.9900% | 1,705 |
| Net loans and leases to deposits | 88.8966% | 1,349 |
| Net loans and leases to core deposits | 98.8211% | 1,499 |
| Total domestic deposits to total assets | 79.8500% | 3,487 |
| Equity capital to assets | 10.2891% | 1,847 |
| Core capital (leverage) ratio | 8.2952% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5704% | 2,701 |
| Memoranda: | ||
| Average total assets | $48,710,518,000 | 46 |
| Average earning assets | $44,592,012,200 | 44 |
| Average equity | $4,743,084,200 | 48 |
| Average total loans | $35,060,951,000 | 39 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6314% | 873 |
| Cost of funding earning assets | 1.4556% | 1,720 |
| Net interest margin | 4.1759% | 954 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.6987% | 1,663 |
| Loan and lease loss provision to assets | 0.4400% | 179 |
| Net operating income to assets | 0.7770% | 3,093 |
| Return on assets (ROA) | 0.7763% | 3,083 |
| Pretax return on assets | 1.0438% | 2,732 |
| Return on Equity (ROE) | 8.1000% | 3,165 |
| Retained earnings to average equity (ytd only) | 1.4702% | 3,851 |
| Net charge-offs to loans | 0.2626% | 340 |
| Credit loss provision to net charge-offs | 231.0459% | 1,032 |
| Earnings coverage of net charge-offs (x) | 7.8568% | 2,217 |
| Efficiency ratio | 59.2926% | 3,048 |
| Assets per employee ($millions) | 10.3349% | 606 |
| Cash dividends to net income (ytd only)* | 81.8436% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 2,768 |
| Loan loss allowance to noncurrent loans | 396.0110% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 2,242 |
| Noncurrent loans to loans | 0.2825% | 2,226 |
| Net loans and leases to total assets | 70.8300% | 1,726 |
| Net loans and leases to deposits | 88.3734% | 1,352 |
| Net loans and leases to core deposits | 97.8293% | 1,451 |
| Total domestic deposits to total assets | 80.1500% | 3,505 |
| Equity capital to assets | 9.7321% | 1,977 |
| Core capital (leverage) ratio | 8.1270% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4490% | 2,738 |
| Memoranda: | ||
| Average total assets | $47,846,312,000 | 47 |
| Average earning assets | $43,838,765,750 | 46 |
| Average equity | $4,586,962,500 | 51 |
| Average total loans | $34,458,022,250 | 40 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4082% | 946 |
| Cost of funding earning assets | 1.2848% | 1,753 |
| Net interest margin | 4.1234% | 1,047 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.8706% | 1,277 |
| Loan and lease loss provision to assets | 0.5200% | 138 |
| Net operating income to assets | 0.5722% | 3,648 |
| Return on assets (ROA) | 0.5781% | 3,640 |
| Pretax return on assets | 0.7731% | 3,454 |
| Return on Equity (ROE) | 6.0600% | 3,677 |
| Retained earnings to average equity (ytd only) | -0.1661% | 4,123 |
| Net charge-offs to loans | 0.2668% | 310 |
| Credit loss provision to net charge-offs | 272.0595% | 909 |
| Earnings coverage of net charge-offs (x) | 6.6940% | 2,110 |
| Efficiency ratio | 64.0248% | 2,487 |
| Assets per employee ($millions) | 10.1961% | 636 |
| Cash dividends to net income (ytd only)* | 102.7390% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 3,014 |
| Loan loss allowance to noncurrent loans | 496.1349% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 2,476 |
| Noncurrent loans to loans | 0.2190% | 2,389 |
| Net loans and leases to total assets | 68.7300% | 1,878 |
| Net loans and leases to deposits | 90.0880% | 1,175 |
| Net loans and leases to core deposits | 97.7272% | 1,366 |
| Total domestic deposits to total assets | 76.3000% | 4,018 |
| Equity capital to assets | 9.7917% | 1,981 |
| Core capital (leverage) ratio | 7.9106% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1435% | 2,828 |
| Memoranda: | ||
| Average total assets | $46,470,329,667 | 50 |
| Average earning assets | $42,685,544,000 | 46 |
| Average equity | $4,429,886,333 | 52 |
| Average total loans | $33,533,726,000 | 42 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 1,591 |
| Cost of funding earning assets | 0.9343% | 2,260 |
| Net interest margin | 3.8819% | 1,509 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 3.1769% | 831 |
| Loan and lease loss provision to assets | 0.9800% | 70 |
| Net operating income to assets | -0.0808% | 4,524 |
| Return on assets (ROA) | -0.0630% | 4,503 |
| Pretax return on assets | -0.0887% | 4,502 |
| Return on Equity (ROE) | -0.6700% | 4,478 |
| Retained earnings to average equity (ytd only) | -5.4461% | 4,348 |
| Net charge-offs to loans | 0.2104% | 344 |
| Credit loss provision to net charge-offs | 639.1730% | 483 |
| Earnings coverage of net charge-offs (x) | 5.6179% | 1,805 |
| Efficiency ratio | 75.5402% | 1,202 |
| Assets per employee ($millions) | 10.0029% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,939 |
| Loan loss allowance to noncurrent loans | 515.1778% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 2,459 |
| Noncurrent loans to loans | 0.2182% | 2,384 |
| Net loans and leases to total assets | 68.0200% | 1,832 |
| Net loans and leases to deposits | 88.2047% | 1,189 |
| Net loans and leases to core deposits | 93.6744% | 1,414 |
| Total domestic deposits to total assets | 77.1200% | 4,075 |
| Equity capital to assets | 9.8156% | 1,920 |
| Core capital (leverage) ratio | 10.5408% | 2,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7785% | 2,970 |
| Memoranda: | ||
| Average total assets | $42,915,309,500 | 55 |
| Average earning assets | $39,644,717,500 | 52 |
| Average equity | $4,021,616,000 | 56 |
| Average total loans | $31,684,123,000 | 46 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 1,921 |
| Cost of funding earning assets | 0.1979% | 3,779 |
| Net interest margin | 3.7269% | 1,314 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.3626% | 2,536 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.1604% | 1,936 |
| Return on assets (ROA) | 1.1422% | 1,944 |
| Pretax return on assets | 1.5252% | 1,382 |
| Return on Equity (ROE) | 12.8100% | 1,870 |
| Retained earnings to average equity (ytd only) | 5.8540% | 2,695 |
| Net charge-offs to loans | 0.1258% | 618 |
| Credit loss provision to net charge-offs | 270.7240% | 963 |
| Earnings coverage of net charge-offs (x) | 18.2334% | 1,938 |
| Efficiency ratio | 56.1755% | 3,565 |
| Assets per employee ($millions) | 8.9602% | 934 |
| Cash dividends to net income (ytd only)* | 54.3194% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 2,653 |
| Loan loss allowance to noncurrent loans | 461.4530% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,140 |
| Noncurrent loans to loans | 0.2488% | 2,280 |
| Net loans and leases to total assets | 81.4200% | 464 |
| Net loans and leases to deposits | 95.2777% | 692 |
| Net loans and leases to core deposits | 100.6393% | 968 |
| Total domestic deposits to total assets | 85.4500% | 2,875 |
| Equity capital to assets | 8.6174% | 2,620 |
| Core capital (leverage) ratio | 9.8937% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9209% | 2,407 |
| Memoranda: | ||
| Average total assets | $30,945,007,000 | 75 |
| Average earning assets | $29,366,328,600 | 73 |
| Average equity | $2,758,216,600 | 81 |
| Average total loans | $24,547,482,600 | 60 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 2,188 |
| Cost of funding earning assets | 0.0850% | 4,385 |
| Net interest margin | 3.5684% | 1,466 |
| Noninterest income to average assets | 0.7200% | 1,256 |
| Noninterest expense to average assets | 2.3316% | 2,536 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 1.1713% | 1,807 |
| Return on assets (ROA) | 1.1460% | 1,881 |
| Pretax return on assets | 1.5265% | 1,339 |
| Return on Equity (ROE) | 12.7500% | 1,788 |
| Retained earnings to average equity (ytd only) | 5.7952% | 2,819 |
| Net charge-offs to loans | 0.1015% | 607 |
| Credit loss provision to net charge-offs | 288.6185% | 829 |
| Earnings coverage of net charge-offs (x) | 22.3260% | 1,670 |
| Efficiency ratio | 56.3797% | 3,588 |
| Assets per employee ($millions) | 8.5604% | 1,039 |
| Cash dividends to net income (ytd only)* | 54.5376% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 3,001 |
| Loan loss allowance to noncurrent loans | 546.6053% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 2,464 |
| Noncurrent loans to loans | 0.2018% | 2,596 |
| Net loans and leases to total assets | 80.6300% | 479 |
| Net loans and leases to deposits | 94.0898% | 636 |
| Net loans and leases to core deposits | 95.9563% | 1,002 |
| Total domestic deposits to total assets | 85.7000% | 3,134 |
| Equity capital to assets | 8.5167% | 2,534 |
| Core capital (leverage) ratio | 10.1105% | 2,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3965% | 2,689 |
| Memoranda: | ||
| Average total assets | $30,720,077,750 | 76 |
| Average earning assets | $29,166,554,750 | 74 |
| Average equity | $2,761,722,750 | 82 |
| Average total loans | $24,127,446,250 | 61 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4169% | 2,378 |
| Cost of funding earning assets | 0.0564% | 4,554 |
| Net interest margin | 3.3606% | 1,718 |
| Noninterest income to average assets | 0.8976% | 852 |
| Noninterest expense to average assets | 2.3668% | 2,349 |
| Loan and lease loss provision to assets | 0.1542% | 608 |
| Net operating income to assets | 1.1768% | 1,513 |
| Return on assets (ROA) | 1.1522% | 1,577 |
| Pretax return on assets | 1.5384% | 1,080 |
| Return on Equity (ROE) | 12.5886% | 1,496 |
| Retained earnings to average equity (ytd only) | 5.7043% | 2,432 |
| Net charge-offs to loans | 0.0998% | 591 |
| Credit loss provision to net charge-offs | 207.7648% | 953 |
| Earnings coverage of net charge-offs (x) | 22.2856% | 1,508 |
| Efficiency ratio | 57.5314% | 3,621 |
| Assets per employee ($millions) | 8.1591% | 1,223 |
| Cash dividends to net income (ytd only)* | 54.6868% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,330 |
| Loan loss allowance to noncurrent loans | 590.5485% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 2,644 |
| Noncurrent loans to loans | 0.1793% | 2,800 |
| Net loans and leases to total assets | 80.9798% | 345 |
| Net loans and leases to deposits | 92.8383% | 562 |
| Net loans and leases to core deposits | 94.6862% | 886 |
| Total domestic deposits to total assets | 87.2267% | 2,859 |
| Equity capital to assets | 9.2120% | 2,224 |
| Core capital (leverage) ratio | 10.0842% | 2,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7121% | 2,602 |
| Memoranda: | ||
| Average total assets | $30,470,768,000 | 75 |
| Average earning assets | $28,949,810,333 | 73 |
| Average equity | $2,788,954,667 | 84 |
| Average total loans | $23,617,853,000 | 61 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2556% | 2,515 |
| Cost of funding earning assets | 0.0553% | 4,561 |
| Net interest margin | 3.2003% | 1,882 |
| Noninterest income to average assets | 1.0586% | 613 |
| Noninterest expense to average assets | 2.3739% | 2,257 |
| Loan and lease loss provision to assets | 0.0627% | 1,289 |
| Net operating income to assets | 1.2504% | 1,116 |
| Return on assets (ROA) | 1.2230% | 1,172 |
| Pretax return on assets | 1.6302% | 790 |
| Return on Equity (ROE) | 13.4040% | 954 |
| Retained earnings to average equity (ytd only) | 6.5360% | 2,062 |
| Net charge-offs to loans | 0.0960% | 540 |
| Credit loss provision to net charge-offs | 102.7417% | 998 |
| Earnings coverage of net charge-offs (x) | 23.8701% | 1,222 |
| Efficiency ratio | 57.5521% | 3,728 |
| Assets per employee ($millions) | 8.1421% | 1,290 |
| Cash dividends to net income (ytd only)* | 51.2383% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,465 |
| Loan loss allowance to noncurrent loans | 591.8754% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 2,792 |
| Noncurrent loans to loans | 0.1804% | 2,915 |
| Net loans and leases to total assets | 75.1898% | 559 |
| Net loans and leases to deposits | 85.4000% | 780 |
| Net loans and leases to core deposits | 87.2058% | 1,071 |
| Total domestic deposits to total assets | 88.0443% | 2,503 |
| Equity capital to assets | 8.9147% | 2,789 |
| Core capital (leverage) ratio | 9.5512% | 2,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6394% | 2,734 |
| Memoranda: | ||
| Average total assets | $30,640,383,000 | 74 |
| Average earning assets | $29,133,526,000 | 74 |
| Average equity | $2,795,576,500 | 84 |
| Average total loans | $23,095,996,000 | 61 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3862% | 2,965 |
| Cost of funding earning assets | 0.1064% | 4,339 |
| Net interest margin | 3.2799% | 2,363 |
| Noninterest income to average assets | 1.1316% | 822 |
| Noninterest expense to average assets | 2.4796% | 2,243 |
| Loan and lease loss provision to assets | -0.1411% | 4,612 |
| Net operating income to assets | 1.4222% | 1,208 |
| Return on assets (ROA) | 1.4182% | 1,288 |
| Pretax return on assets | 1.8855% | 747 |
| Return on Equity (ROE) | 14.7582% | 1,006 |
| Retained earnings to average equity (ytd only) | 1.0534% | 4,244 |
| Net charge-offs to loans | 0.1987% | 485 |
| Credit loss provision to net charge-offs | -78.3240% | 3,318 |
| Earnings coverage of net charge-offs (x) | 11.7855% | 2,140 |
| Efficiency ratio | 58.2803% | 3,401 |
| Assets per employee ($millions) | 8.2084% | 1,213 |
| Cash dividends to net income (ytd only)* | 92.8624% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,418 |
| Loan loss allowance to noncurrent loans | 481.8482% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 2,716 |
| Noncurrent loans to loans | 0.2251% | 2,833 |
| Net loans and leases to total assets | 73.9436% | 669 |
| Net loans and leases to deposits | 84.3122% | 890 |
| Net loans and leases to core deposits | 86.3372% | 1,179 |
| Total domestic deposits to total assets | 87.7021% | 2,192 |
| Equity capital to assets | 9.3330% | 3,286 |
| Core capital (leverage) ratio | 9.3605% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8309% | 2,694 |
| Memoranda: | ||
| Average total assets | $30,219,806,400 | 75 |
| Average earning assets | $28,538,585,600 | 72 |
| Average equity | $2,904,094,400 | 82 |
| Average total loans | $22,576,883,000 | 61 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 3,094 |
| Cost of funding earning assets | 0.1216% | 4,340 |
| Net interest margin | 3.2805% | 2,476 |
| Noninterest income to average assets | 1.1542% | 858 |
| Noninterest expense to average assets | 2.4378% | 2,316 |
| Loan and lease loss provision to assets | -0.1856% | 4,737 |
| Net operating income to assets | 1.5002% | 1,276 |
| Return on assets (ROA) | 1.4966% | 1,325 |
| Pretax return on assets | 1.9895% | 812 |
| Return on Equity (ROE) | 15.4599% | 1,051 |
| Retained earnings to average equity (ytd only) | -0.5479% | 4,619 |
| Net charge-offs to loans | 0.2220% | 371 |
| Credit loss provision to net charge-offs | -89.1111% | 3,214 |
| Earnings coverage of net charge-offs (x) | 10.9046% | 2,019 |
| Efficiency ratio | 57.0552% | 3,409 |
| Assets per employee ($millions) | 8.2698% | 1,143 |
| Cash dividends to net income (ytd only)* | 103.5442% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 3,191 |
| Loan loss allowance to noncurrent loans | 498.7413% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 2,968 |
| Noncurrent loans to loans | 0.2313% | 3,012 |
| Net loans and leases to total assets | 71.4163% | 934 |
| Net loans and leases to deposits | 81.1567% | 1,177 |
| Net loans and leases to core deposits | 83.5807% | 1,459 |
| Total domestic deposits to total assets | 87.9980% | 1,845 |
| Equity capital to assets | 9.1870% | 3,662 |
| Core capital (leverage) ratio | 9.3110% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3763% | 2,591 |
| Memoranda: | ||
| Average total assets | $30,114,230,750 | 75 |
| Average earning assets | $28,385,264,250 | 73 |
| Average equity | $2,915,163,250 | 81 |
| Average total loans | $22,494,532,500 | 62 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4136% | 3,140 |
| Cost of funding earning assets | 0.1463% | 4,234 |
| Net interest margin | 3.2673% | 2,557 |
| Noninterest income to average assets | 1.2594% | 740 |
| Noninterest expense to average assets | 2.4653% | 2,252 |
| Loan and lease loss provision to assets | -0.1541% | 4,710 |
| Net operating income to assets | 1.5238% | 1,232 |
| Return on assets (ROA) | 1.5201% | 1,306 |
| Pretax return on assets | 2.0195% | 807 |
| Return on Equity (ROE) | 15.4321% | 1,060 |
| Retained earnings to average equity (ytd only) | 8.6311% | 1,840 |
| Net charge-offs to loans | 0.2773% | 317 |
| Credit loss provision to net charge-offs | -55.1703% | 2,991 |
| Earnings coverage of net charge-offs (x) | 8.9286% | 1,859 |
| Efficiency ratio | 56.5148% | 3,472 |
| Assets per employee ($millions) | 8.0667% | 1,178 |
| Cash dividends to net income (ytd only)* | 44.0705% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,728 |
| Loan loss allowance to noncurrent loans | 558.4783% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 3,156 |
| Noncurrent loans to loans | 0.2220% | 3,164 |
| Net loans and leases to total assets | 73.5975% | 802 |
| Net loans and leases to deposits | 84.7315% | 1,010 |
| Net loans and leases to core deposits | 87.8746% | 1,271 |
| Total domestic deposits to total assets | 86.8598% | 2,402 |
| Equity capital to assets | 9.8937% | 2,953 |
| Core capital (leverage) ratio | 9.9202% | 2,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4189% | 2,198 |
| Memoranda: | ||
| Average total assets | $29,853,613,000 | 76 |
| Average earning assets | $28,106,544,667 | 73 |
| Average equity | $2,940,738,333 | 80 |
| Average total loans | $22,551,908,000 | 62 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4111% | 3,164 |
| Cost of funding earning assets | 0.1806% | 4,077 |
| Net interest margin | 3.2305% | 2,602 |
| Noninterest income to average assets | 1.4070% | 674 |
| Noninterest expense to average assets | 2.4633% | 2,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4998% | 1,332 |
| Return on assets (ROA) | 1.4923% | 1,414 |
| Pretax return on assets | 1.9745% | 988 |
| Return on Equity (ROE) | 15.1832% | 1,170 |
| Retained earnings to average equity (ytd only) | 8.3167% | 2,146 |
| Net charge-offs to loans | 0.3131% | 269 |
| Credit loss provision to net charge-offs | 2.9812% | 1,467 |
| Earnings coverage of net charge-offs (x) | 8.3307% | 1,583 |
| Efficiency ratio | 55.0462% | 3,660 |
| Assets per employee ($millions) | 7.9363% | 1,225 |
| Cash dividends to net income (ytd only)* | 45.2243% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 2,040 |
| Loan loss allowance to noncurrent loans | 567.7549% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 3,227 |
| Noncurrent loans to loans | 0.2433% | 3,230 |
| Net loans and leases to total assets | 73.9906% | 814 |
| Net loans and leases to deposits | 85.3781% | 1,011 |
| Net loans and leases to core deposits | 88.8961% | 1,298 |
| Total domestic deposits to total assets | 86.6623% | 2,459 |
| Equity capital to assets | 9.6932% | 3,007 |
| Core capital (leverage) ratio | 9.9834% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8187% | 1,957 |
| Memoranda: | ||
| Average total assets | $29,635,277,000 | 80 |
| Average earning assets | $27,889,760,000 | 78 |
| Average equity | $2,912,697,000 | 80 |
| Average total loans | $22,541,466,500 | 64 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7988% | 3,306 |
| Cost of funding earning assets | 0.4312% | 3,398 |
| Net interest margin | 3.3676% | 2,876 |
| Noninterest income to average assets | 1.3434% | 646 |
| Noninterest expense to average assets | 8.7780% | 87 |
| Loan and lease loss provision to assets | 0.6634% | 267 |
| Net operating income to assets | -5.2257% | 4,991 |
| Return on assets (ROA) | -5.2224% | 4,991 |
| Pretax return on assets | -4.9778% | 4,987 |
| Return on Equity (ROE) | -47.8695% | 4,995 |
| Retained earnings to average equity (ytd only) | -54.6197% | 4,994 |
| Net charge-offs to loans | 0.3163% | 561 |
| Credit loss provision to net charge-offs | 269.8736% | 1,846 |
| Earnings coverage of net charge-offs (x) | -17.5655% | 3,417 |
| Efficiency ratio | 58.1446% | 3,706 |
| Assets per employee ($millions) | 7.7455% | 1,143 |
| Cash dividends to net income (ytd only)* | -14.1011% | 4,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4566% | 1,746 |
| Loan loss allowance to noncurrent loans | 486.1527% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2373% | 3,103 |
| Noncurrent loans to loans | 0.2996% | 3,121 |
| Net loans and leases to total assets | 76.0042% | 789 |
| Net loans and leases to deposits | 89.7243% | 946 |
| Net loans and leases to core deposits | 94.2090% | 1,234 |
| Total domestic deposits to total assets | 84.7086% | 2,874 |
| Equity capital to assets | 9.9675% | 3,156 |
| Core capital (leverage) ratio | 9.7895% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6299% | 1,999 |
| Memoranda: | ||
| Average total assets | $28,923,943,200 | 76 |
| Average earning assets | $26,771,232,400 | 73 |
| Average equity | $3,155,499,000 | 72 |
| Average total loans | $22,474,989,000 | 60 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 3,531 |
| Cost of funding earning assets | 0.4909% | 3,284 |
| Net interest margin | 3.3205% | 3,125 |
| Noninterest income to average assets | 1.2501% | 696 |
| Noninterest expense to average assets | 10.7966% | 67 |
| Loan and lease loss provision to assets | 0.8725% | 191 |
| Net operating income to assets | -7.6939% | 5,027 |
| Return on assets (ROA) | -7.6886% | 5,027 |
| Pretax return on assets | -7.3514% | 5,024 |
| Return on Equity (ROE) | -68.9666% | 5,029 |
| Retained earnings to average equity (ytd only) | -75.7244% | 5,026 |
| Net charge-offs to loans | 0.3048% | 514 |
| Credit loss provision to net charge-offs | 367.6463% | 1,550 |
| Earnings coverage of net charge-offs (x) | -27.3230% | 3,220 |
| Efficiency ratio | 58.7702% | 3,559 |
| Assets per employee ($millions) | 7.7544% | 1,097 |
| Cash dividends to net income (ytd only)* | -9.7986% | 4,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 1,401 |
| Loan loss allowance to noncurrent loans | 446.0475% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 3,080 |
| Noncurrent loans to loans | 0.3347% | 3,080 |
| Net loans and leases to total assets | 77.3599% | 918 |
| Net loans and leases to deposits | 91.7599% | 1,096 |
| Net loans and leases to core deposits | 97.2061% | 1,363 |
| Total domestic deposits to total assets | 84.3069% | 2,708 |
| Equity capital to assets | 9.5665% | 3,634 |
| Core capital (leverage) ratio | 9.4064% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0465% | 2,178 |
| Memoranda: | ||
| Average total assets | $28,847,044,250 | 73 |
| Average earning assets | $26,604,431,250 | 72 |
| Average equity | $3,215,961,500 | 70 |
| Average total loans | $22,457,338,250 | 60 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9367% | 3,504 |
| Cost of funding earning assets | 0.5741% | 3,112 |
| Net interest margin | 3.3626% | 3,214 |
| Noninterest income to average assets | 1.0058% | 974 |
| Noninterest expense to average assets | 15.0266% | 47 |
| Loan and lease loss provision to assets | 1.3051% | 116 |
| Net operating income to assets | -12.5111% | 5,065 |
| Return on assets (ROA) | -12.5024% | 5,065 |
| Pretax return on assets | -12.2340% | 5,065 |
| Return on Equity (ROE) | -106.9505% | 5,064 |
| Retained earnings to average equity (ytd only) | -113.6977% | 5,061 |
| Net charge-offs to loans | 0.3405% | 476 |
| Credit loss provision to net charge-offs | 493.8410% | 1,247 |
| Earnings coverage of net charge-offs (x) | -41.3858% | 3,014 |
| Efficiency ratio | 62.5575% | 3,037 |
| Assets per employee ($millions) | 7.6589% | 1,099 |
| Cash dividends to net income (ytd only)* | -6.3087% | 5,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5326% | 1,170 |
| Loan loss allowance to noncurrent loans | 476.8362% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 3,265 |
| Noncurrent loans to loans | 0.3214% | 3,233 |
| Net loans and leases to total assets | 77.3486% | 946 |
| Net loans and leases to deposits | 91.7438% | 1,188 |
| Net loans and leases to core deposits | 98.8434% | 1,344 |
| Total domestic deposits to total assets | 84.3094% | 2,633 |
| Equity capital to assets | 9.2257% | 3,902 |
| Core capital (leverage) ratio | 9.2616% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4956% | 2,403 |
| Memoranda: | ||
| Average total assets | $28,653,432,333 | 74 |
| Average earning assets | $26,273,195,667 | 72 |
| Average equity | $3,349,546,667 | 71 |
| Average total loans | $22,239,640,000 | 61 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 3,159 |
| Cost of funding earning assets | 0.7048% | 2,913 |
| Net interest margin | 3.5131% | 2,939 |
| Noninterest income to average assets | 0.4898% | 2,601 |
| Noninterest expense to average assets | 27.9739% | 27 |
| Loan and lease loss provision to assets | 1.4984% | 101 |
| Net operating income to assets | -26.2435% | 5,116 |
| Return on assets (ROA) | -26.2338% | 5,116 |
| Pretax return on assets | -25.7860% | 5,115 |
| Return on Equity (ROE) | -202.0131% | 5,115 |
| Retained earnings to average equity (ytd only) | -208.7391% | 5,113 |
| Net charge-offs to loans | 0.3998% | 363 |
| Credit loss provision to net charge-offs | 485.9650% | 901 |
| Earnings coverage of net charge-offs (x) | -78.8012% | 2,567 |
| Efficiency ratio | 71.2907% | 2,178 |
| Assets per employee ($millions) | 7.0851% | 1,063 |
| Cash dividends to net income (ytd only)* | -3.3295% | 5,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 1,947 |
| Loan loss allowance to noncurrent loans | 317.9868% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 3,064 |
| Noncurrent loans to loans | 0.4217% | 2,980 |
| Net loans and leases to total assets | 77.9372% | 993 |
| Net loans and leases to deposits | 93.9027% | 1,090 |
| Net loans and leases to core deposits | 103.7916% | 1,202 |
| Total domestic deposits to total assets | 82.9978% | 3,114 |
| Equity capital to assets | 9.9013% | 3,882 |
| Core capital (leverage) ratio | 9.2503% | 4,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0075% | 2,694 |
| Memoranda: | ||
| Average total assets | $28,164,037,000 | 73 |
| Average earning assets | $25,547,738,500 | 72 |
| Average equity | $3,657,433,000 | 66 |
| Average total loans | $21,721,033,000 | 62 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 2,580 |
| Cost of funding earning assets | 0.7661% | 2,843 |
| Net interest margin | 3.8408% | 2,370 |
| Noninterest income to average assets | 0.8494% | 1,300 |
| Noninterest expense to average assets | 2.4934% | 3,469 |
| Loan and lease loss provision to assets | 0.2595% | 693 |
| Net operating income to assets | 1.1100% | 2,401 |
| Return on assets (ROA) | 1.3255% | 1,674 |
| Pretax return on assets | 1.7537% | 1,062 |
| Return on Equity (ROE) | 8.2693% | 3,051 |
| Retained earnings to average equity (ytd only) | 3.4531% | 3,277 |
| Net charge-offs to loans | 0.2815% | 743 |
| Credit loss provision to net charge-offs | 121.5231% | 2,089 |
| Earnings coverage of net charge-offs (x) | 8.1504% | 2,802 |
| Efficiency ratio | 58.4194% | 3,923 |
| Assets per employee ($millions) | 7.4117% | 895 |
| Cash dividends to net income (ytd only)* | 58.2421% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 4,517 |
| Loan loss allowance to noncurrent loans | 222.3603% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 3,403 |
| Noncurrent loans to loans | 0.3265% | 3,270 |
| Net loans and leases to total assets | 74.7880% | 1,617 |
| Net loans and leases to deposits | 95.3056% | 1,020 |
| Net loans and leases to core deposits | 106.2712% | 1,095 |
| Total domestic deposits to total assets | 78.4718% | 4,282 |
| Equity capital to assets | 15.9314% | 619 |
| Core capital (leverage) ratio | 10.2414% | 3,256 |
| Tier 1 risk-based capital ratio | 12.5275% | 4,053 |
| Total risk-based capital ratio | 13.2601% | 4,230 |
| Memoranda: | ||
| Average total assets | $27,979,540,800 | 70 |
| Average earning assets | $24,654,754,800 | 71 |
| Average equity | $4,484,842,600 | 54 |
| Average total loans | $21,225,918,800 | 61 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 2,576 |
| Cost of funding earning assets | 0.7559% | 2,942 |
| Net interest margin | 3.8922% | 2,284 |
| Noninterest income to average assets | 0.7654% | 1,539 |
| Noninterest expense to average assets | 2.4895% | 3,464 |
| Loan and lease loss provision to assets | 0.2704% | 577 |
| Net operating income to assets | 1.0720% | 2,680 |
| Return on assets (ROA) | 1.3618% | 1,673 |
| Pretax return on assets | 1.8007% | 1,090 |
| Return on Equity (ROE) | 8.4827% | 3,121 |
| Retained earnings to average equity (ytd only) | 3.5632% | 3,621 |
| Net charge-offs to loans | 0.2833% | 619 |
| Credit loss provision to net charge-offs | 125.5965% | 1,874 |
| Earnings coverage of net charge-offs (x) | 7.9151% | 2,703 |
| Efficiency ratio | 58.8803% | 3,814 |
| Assets per employee ($millions) | 7.4362% | 861 |
| Cash dividends to net income (ytd only)* | 57.9948% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 4,622 |
| Loan loss allowance to noncurrent loans | 207.0318% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 3,452 |
| Noncurrent loans to loans | 0.3450% | 3,299 |
| Net loans and leases to total assets | 75.1421% | 1,630 |
| Net loans and leases to deposits | 96.2467% | 986 |
| Net loans and leases to core deposits | 108.7781% | 1,003 |
| Total domestic deposits to total assets | 78.0724% | 4,328 |
| Equity capital to assets | 15.7894% | 678 |
| Core capital (leverage) ratio | 10.3375% | 3,276 |
| Tier 1 risk-based capital ratio | 12.2242% | 4,299 |
| Total risk-based capital ratio | 12.9429% | 4,477 |
| Memoranda: | ||
| Average total assets | $27,770,254,250 | 71 |
| Average earning assets | $24,461,282,000 | 72 |
| Average equity | $4,458,331,250 | 55 |
| Average total loans | $21,105,134,750 | 61 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6897% | 2,396 |
| Cost of funding earning assets | 0.7270% | 3,005 |
| Net interest margin | 3.9627% | 2,048 |
| Noninterest income to average assets | 0.5689% | 2,293 |
| Noninterest expense to average assets | 2.4857% | 3,528 |
| Loan and lease loss provision to assets | 0.2417% | 642 |
| Net operating income to assets | 0.9849% | 2,977 |
| Return on assets (ROA) | 1.4239% | 1,420 |
| Pretax return on assets | 1.8914% | 851 |
| Return on Equity (ROE) | 8.8181% | 2,929 |
| Retained earnings to average equity (ytd only) | 3.7087% | 3,406 |
| Net charge-offs to loans | 0.2575% | 650 |
| Credit loss provision to net charge-offs | 123.3251% | 1,712 |
| Earnings coverage of net charge-offs (x) | 8.0493% | 2,441 |
| Efficiency ratio | 60.6747% | 3,631 |
| Assets per employee ($millions) | 7.2505% | 902 |
| Cash dividends to net income (ytd only)* | 57.9428% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 4,696 |
| Loan loss allowance to noncurrent loans | 188.0939% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 3,265 |
| Noncurrent loans to loans | 0.3768% | 3,175 |
| Net loans and leases to total assets | 75.7003% | 1,594 |
| Net loans and leases to deposits | 96.4000% | 994 |
| Net loans and leases to core deposits | 109.2434% | 1,018 |
| Total domestic deposits to total assets | 78.5273% | 4,311 |
| Equity capital to assets | 16.1189% | 602 |
| Core capital (leverage) ratio | 10.4411% | 3,152 |
| Tier 1 risk-based capital ratio | 12.2982% | 4,242 |
| Total risk-based capital ratio | 13.0073% | 4,440 |
| Memoranda: | ||
| Average total assets | $27,392,165,670 | 70 |
| Average earning assets | $24,152,748,330 | 71 |
| Average equity | $4,423,161,670 | 55 |
| Average total loans | $20,848,272,330 | 60 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7408% | 2,081 |
| Cost of funding earning assets | 0.6508% | 3,322 |
| Net interest margin | 4.0900% | 1,573 |
| Noninterest income to average assets | 0.5863% | 2,112 |
| Noninterest expense to average assets | 2.4674% | 3,591 |
| Loan and lease loss provision to assets | 0.2028% | 785 |
| Net operating income to assets | 1.1535% | 2,248 |
| Return on assets (ROA) | 1.1616% | 2,259 |
| Pretax return on assets | 1.5349% | 1,666 |
| Return on Equity (ROE) | 7.1872% | 3,596 |
| Retained earnings to average equity (ytd only) | 1.5734% | 4,176 |
| Net charge-offs to loans | 0.2655% | 553 |
| Credit loss provision to net charge-offs | 100.4604% | 1,566 |
| Earnings coverage of net charge-offs (x) | 8.5572% | 2,078 |
| Efficiency ratio | 58.3263% | 4,035 |
| Assets per employee ($millions) | 7.0912% | 963 |
| Cash dividends to net income (ytd only)* | 78.1081% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7015% | 4,777 |
| Loan loss allowance to noncurrent loans | 184.7371% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.3253% | 3,296 |
| Noncurrent loans to loans | 0.3797% | 3,228 |
| Net loans and leases to total assets | 75.0351% | 1,634 |
| Net loans and leases to deposits | 95.9215% | 972 |
| Net loans and leases to core deposits | 109.0684% | 978 |
| Total domestic deposits to total assets | 78.2255% | 4,479 |
| Equity capital to assets | 16.1157% | 557 |
| Core capital (leverage) ratio | 10.5449% | 3,000 |
| Tier 1 risk-based capital ratio | 12.1794% | 4,365 |
| Total risk-based capital ratio | 12.8702% | 4,559 |
| Memoranda: | ||
| Average total assets | $27,112,840,000 | 70 |
| Average earning assets | $23,921,004,500 | 72 |
| Average equity | $4,382,065,500 | 55 |
| Average total loans | $20,617,463,500 | 61 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 2,064 |
| Cost of funding earning assets | 0.4738% | 3,524 |
| Net interest margin | 4.1515% | 1,526 |
| Noninterest income to average assets | 0.9378% | 1,086 |
| Noninterest expense to average assets | 2.6895% | 3,059 |
| Loan and lease loss provision to assets | 0.2125% | 869 |
| Net operating income to assets | 1.2724% | 1,902 |
| Return on assets (ROA) | 1.2679% | 1,918 |
| Pretax return on assets | 1.6907% | 1,193 |
| Return on Equity (ROE) | 7.7466% | 3,551 |
| Retained earnings to average equity (ytd only) | 2.9494% | 3,925 |
| Net charge-offs to loans | 0.2588% | 748 |
| Credit loss provision to net charge-offs | 108.2558% | 2,370 |
| Earnings coverage of net charge-offs (x) | 9.7244% | 2,787 |
| Efficiency ratio | 57.9786% | 4,164 |
| Assets per employee ($millions) | 6.9536% | 995 |
| Cash dividends to net income (ytd only)* | 61.9263% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7031% | 4,799 |
| Loan loss allowance to noncurrent loans | 145.9993% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 2,919 |
| Noncurrent loans to loans | 0.4816% | 2,832 |
| Net loans and leases to total assets | 75.9905% | 1,617 |
| Net loans and leases to deposits | 96.1854% | 1,054 |
| Net loans and leases to core deposits | 107.4522% | 1,164 |
| Total domestic deposits to total assets | 79.0042% | 4,308 |
| Equity capital to assets | 16.2097% | 503 |
| Core capital (leverage) ratio | 10.5262% | 2,994 |
| Tier 1 risk-based capital ratio | 12.1360% | 4,333 |
| Total risk-based capital ratio | 12.8285% | 4,577 |
| Memoranda: | ||
| Average total assets | $26,299,465,000 | 70 |
| Average earning assets | $23,188,880,600 | 70 |
| Average equity | $4,304,608,400 | 51 |
| Average total loans | $19,951,281,000 | 61 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5392% | 2,160 |
| Cost of funding earning assets | 0.4392% | 3,607 |
| Net interest margin | 4.1000% | 1,631 |
| Noninterest income to average assets | 1.0392% | 882 |
| Noninterest expense to average assets | 2.7348% | 2,862 |
| Loan and lease loss provision to assets | 0.1972% | 888 |
| Net operating income to assets | 1.2954% | 1,878 |
| Return on assets (ROA) | 1.2878% | 1,904 |
| Pretax return on assets | 1.7106% | 1,256 |
| Return on Equity (ROE) | 7.8485% | 3,607 |
| Retained earnings to average equity (ytd only) | 2.9697% | 4,251 |
| Net charge-offs to loans | 0.2375% | 720 |
| Credit loss provision to net charge-offs | 109.6902% | 2,115 |
| Earnings coverage of net charge-offs (x) | 10.6671% | 2,567 |
| Efficiency ratio | 58.2786% | 4,075 |
| Assets per employee ($millions) | 6.7648% | 1,037 |
| Cash dividends to net income (ytd only)* | 62.1627% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 4,850 |
| Loan loss allowance to noncurrent loans | 145.7026% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4158% | 3,028 |
| Noncurrent loans to loans | 0.4904% | 2,916 |
| Net loans and leases to total assets | 75.2253% | 1,778 |
| Net loans and leases to deposits | 95.1816% | 1,248 |
| Net loans and leases to core deposits | 105.8377% | 1,320 |
| Total domestic deposits to total assets | 79.0334% | 4,309 |
| Equity capital to assets | 16.1667% | 510 |
| Core capital (leverage) ratio | 10.4773% | 3,104 |
| Tier 1 risk-based capital ratio | 12.2434% | 4,351 |
| Total risk-based capital ratio | 12.9462% | 4,561 |
| Memoranda: | ||
| Average total assets | $26,148,465,000 | 69 |
| Average earning assets | $23,042,750,750 | 70 |
| Average equity | $4,290,520,750 | 51 |
| Average total loans | $19,791,890,000 | 61 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 2,327 |
| Cost of funding earning assets | 0.3890% | 3,814 |
| Net interest margin | 4.0389% | 1,732 |
| Noninterest income to average assets | 1.0506% | 877 |
| Noninterest expense to average assets | 2.8122% | 2,628 |
| Loan and lease loss provision to assets | 0.2074% | 811 |
| Net operating income to assets | 1.2029% | 2,185 |
| Return on assets (ROA) | 1.1943% | 2,222 |
| Pretax return on assets | 1.5755% | 1,580 |
| Return on Equity (ROE) | 7.2424% | 3,820 |
| Retained earnings to average equity (ytd only) | 2.2284% | 4,387 |
| Net charge-offs to loans | 0.2339% | 681 |
| Credit loss provision to net charge-offs | 117.2150% | 1,819 |
| Earnings coverage of net charge-offs (x) | 10.1364% | 2,352 |
| Efficiency ratio | 60.5396% | 3,847 |
| Assets per employee ($millions) | 6.5534% | 1,154 |
| Cash dividends to net income (ytd only)* | 69.2311% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7198% | 4,898 |
| Loan loss allowance to noncurrent loans | 159.0781% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3891% | 3,189 |
| Noncurrent loans to loans | 0.4525% | 3,081 |
| Net loans and leases to total assets | 75.3404% | 1,747 |
| Net loans and leases to deposits | 95.5083% | 1,193 |
| Net loans and leases to core deposits | 107.2731% | 1,166 |
| Total domestic deposits to total assets | 78.8836% | 4,445 |
| Equity capital to assets | 16.1455% | 482 |
| Core capital (leverage) ratio | 10.4305% | 3,101 |
| Tier 1 risk-based capital ratio | 12.1217% | 4,420 |
| Total risk-based capital ratio | 12.8337% | 4,629 |
| Memoranda: | ||
| Average total assets | $26,002,679,670 | 68 |
| Average earning assets | $22,890,347,670 | 70 |
| Average equity | $4,288,010,670 | 51 |
| Average total loans | $19,674,789,330 | 61 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 2,247 |
| Cost of funding earning assets | 0.3413% | 4,049 |
| Net interest margin | 4.0437% | 1,581 |
| Noninterest income to average assets | 1.0913% | 776 |
| Noninterest expense to average assets | 2.7707% | 2,803 |
| Loan and lease loss provision to assets | 0.2118% | 762 |
| Net operating income to assets | 1.2674% | 1,756 |
| Return on assets (ROA) | 1.2674% | 1,762 |
| Pretax return on assets | 1.6643% | 1,211 |
| Return on Equity (ROE) | 7.6040% | 3,536 |
| Retained earnings to average equity (ytd only) | 2.2046% | 4,290 |
| Net charge-offs to loans | 0.2531% | 606 |
| Credit loss provision to net charge-offs | 110.7838% | 1,450 |
| Earnings coverage of net charge-offs (x) | 9.8114% | 1,942 |
| Efficiency ratio | 59.1099% | 4,197 |
| Assets per employee ($millions) | 6.2297% | 1,350 |
| Cash dividends to net income (ytd only)* | 71.0071% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 4,978 |
| Loan loss allowance to noncurrent loans | 172.5133% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 3,354 |
| Noncurrent loans to loans | 0.4192% | 3,279 |
| Net loans and leases to total assets | 75.3346% | 1,653 |
| Net loans and leases to deposits | 96.2245% | 1,012 |
| Net loans and leases to core deposits | 104.6771% | 1,330 |
| Total domestic deposits to total assets | 78.2905% | 4,689 |
| Equity capital to assets | 16.6118% | 427 |
| Core capital (leverage) ratio | 10.6762% | 2,760 |
| Tier 1 risk-based capital ratio | 12.4129% | 4,299 |
| Total risk-based capital ratio | 13.1240% | 4,511 |
| Memoranda: | ||
| Average total assets | $25,779,258,500 | 69 |
| Average earning assets | $22,667,080,000 | 71 |
| Average equity | $4,296,808,000 | 52 |
| Average total loans | $19,476,355,500 | 62 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 2,452 |
| Cost of funding earning assets | 0.2779% | 4,336 |
| Net interest margin | 3.9858% | 1,790 |
| Noninterest income to average assets | 1.0555% | 909 |
| Noninterest expense to average assets | 2.8687% | 2,557 |
| Loan and lease loss provision to assets | 0.1870% | 1,133 |
| Net operating income to assets | 1.0126% | 2,185 |
| Return on assets (ROA) | 1.0127% | 2,220 |
| Pretax return on assets | 1.4912% | 1,677 |
| Return on Equity (ROE) | 6.0195% | 3,753 |
| Retained earnings to average equity (ytd only) | 2.0519% | 4,090 |
| Net charge-offs to loans | 0.2174% | 1,196 |
| Credit loss provision to net charge-offs | 116.3700% | 2,244 |
| Earnings coverage of net charge-offs (x) | 10.4419% | 2,676 |
| Efficiency ratio | 62.5047% | 3,859 |
| Assets per employee ($millions) | 5.9517% | 1,549 |
| Cash dividends to net income (ytd only)* | 65.9120% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 5,013 |
| Loan loss allowance to noncurrent loans | 136.8607% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 3,091 |
| Noncurrent loans to loans | 0.5309% | 2,912 |
| Net loans and leases to total assets | 74.6693% | 1,813 |
| Net loans and leases to deposits | 95.6217% | 1,121 |
| Net loans and leases to core deposits | 103.0662% | 1,482 |
| Total domestic deposits to total assets | 78.0883% | 4,702 |
| Equity capital to assets | 16.7239% | 427 |
| Core capital (leverage) ratio | 10.5893% | 2,747 |
| Tier 1 risk-based capital ratio | 12.4954% | 4,209 |
| Total risk-based capital ratio | 13.2107% | 4,441 |
| Memoranda: | ||
| Average total assets | $25,243,874,400 | 66 |
| Average earning assets | $22,111,832,600 | 69 |
| Average equity | $4,246,928,200 | 48 |
| Average total loans | $18,659,902,400 | 61 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 2,474 |
| Cost of funding earning assets | 0.2689% | 4,420 |
| Net interest margin | 3.9710% | 1,802 |
| Noninterest income to average assets | 1.0232% | 980 |
| Noninterest expense to average assets | 2.8509% | 2,561 |
| Loan and lease loss provision to assets | 0.1820% | 1,089 |
| Net operating income to assets | 0.9385% | 2,840 |
| Return on assets (ROA) | 0.9386% | 2,901 |
| Pretax return on assets | 1.4662% | 1,891 |
| Return on Equity (ROE) | 5.5706% | 4,288 |
| Retained earnings to average equity (ytd only) | 1.6182% | 4,779 |
| Net charge-offs to loans | 0.2075% | 1,034 |
| Credit loss provision to net charge-offs | 119.2028% | 2,011 |
| Earnings coverage of net charge-offs (x) | 10.7933% | 2,558 |
| Efficiency ratio | 62.7697% | 3,764 |
| Assets per employee ($millions) | 5.9786% | 1,508 |
| Cash dividends to net income (ytd only)* | 70.9505% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7300% | 5,074 |
| Loan loss allowance to noncurrent loans | 149.1616% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3806% | 3,505 |
| Noncurrent loans to loans | 0.4894% | 3,224 |
| Net loans and leases to total assets | 73.9034% | 1,930 |
| Net loans and leases to deposits | 94.9468% | 1,203 |
| Net loans and leases to core deposits | 103.5306% | 1,427 |
| Total domestic deposits to total assets | 77.8366% | 4,757 |
| Equity capital to assets | 16.6676% | 466 |
| Core capital (leverage) ratio | 10.5673% | 2,912 |
| Tier 1 risk-based capital ratio | 12.5725% | 4,273 |
| Total risk-based capital ratio | 13.2988% | 4,471 |
| Memoranda: | ||
| Average total assets | $25,127,012,250 | 67 |
| Average earning assets | $21,993,927,500 | 69 |
| Average equity | $4,233,675,250 | 48 |
| Average total loans | $18,490,132,250 | 61 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 2,487 |
| Cost of funding earning assets | 0.2608% | 4,458 |
| Net interest margin | 3.9350% | 1,827 |
| Noninterest income to average assets | 0.9806% | 1,070 |
| Noninterest expense to average assets | 2.8410% | 2,614 |
| Loan and lease loss provision to assets | 0.1788% | 1,064 |
| Net operating income to assets | 0.8955% | 2,934 |
| Return on assets (ROA) | 0.8957% | 2,991 |
| Pretax return on assets | 1.3997% | 2,021 |
| Return on Equity (ROE) | 5.2962% | 4,356 |
| Retained earnings to average equity (ytd only) | 1.1729% | 4,773 |
| Net charge-offs to loans | 0.2124% | 961 |
| Credit loss provision to net charge-offs | 114.8505% | 1,838 |
| Earnings coverage of net charge-offs (x) | 10.1362% | 2,365 |
| Efficiency ratio | 63.6741% | 3,726 |
| Assets per employee ($millions) | 5.8084% | 1,605 |
| Cash dividends to net income (ytd only)* | 77.8537% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7285% | 5,141 |
| Loan loss allowance to noncurrent loans | 165.1036% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 3,733 |
| Noncurrent loans to loans | 0.4412% | 3,429 |
| Net loans and leases to total assets | 73.8883% | 1,891 |
| Net loans and leases to deposits | 95.2370% | 1,150 |
| Net loans and leases to core deposits | 104.4963% | 1,323 |
| Total domestic deposits to total assets | 77.5836% | 4,883 |
| Equity capital to assets | 16.8277% | 428 |
| Core capital (leverage) ratio | 10.6629% | 2,748 |
| Tier 1 risk-based capital ratio | 12.6636% | 4,201 |
| Total risk-based capital ratio | 13.3899% | 4,419 |
| Memoranda: | ||
| Average total assets | $24,953,257,670 | 67 |
| Average earning assets | $21,805,683,330 | 69 |
| Average equity | $4,219,912,330 | 48 |
| Average total loans | $18,288,732,000 | 61 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 2,435 |
| Cost of funding earning assets | 0.2493% | 4,544 |
| Net interest margin | 3.9093% | 1,745 |
| Noninterest income to average assets | 0.8982% | 1,249 |
| Noninterest expense to average assets | 2.8463% | 2,630 |
| Loan and lease loss provision to assets | 0.1879% | 895 |
| Net operating income to assets | 0.8097% | 3,179 |
| Return on assets (ROA) | 0.8097% | 3,239 |
| Pretax return on assets | 1.2770% | 2,319 |
| Return on Equity (ROE) | 4.7757% | 4,494 |
| Retained earnings to average equity (ytd only) | 0.1653% | 4,878 |
| Net charge-offs to loans | 0.2071% | 842 |
| Credit loss provision to net charge-offs | 124.7940% | 1,354 |
| Earnings coverage of net charge-offs (x) | 9.7274% | 1,977 |
| Efficiency ratio | 65.3880% | 3,597 |
| Assets per employee ($millions) | 5.8081% | 1,649 |
| Cash dividends to net income (ytd only)* | 96.5385% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 5,202 |
| Loan loss allowance to noncurrent loans | 196.2645% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3056% | 3,968 |
| Noncurrent loans to loans | 0.3812% | 3,731 |
| Net loans and leases to total assets | 72.7179% | 1,961 |
| Net loans and leases to deposits | 93.7478% | 1,134 |
| Net loans and leases to core deposits | 102.5677% | 1,327 |
| Total domestic deposits to total assets | 77.5676% | 5,029 |
| Equity capital to assets | 16.9523% | 389 |
| Core capital (leverage) ratio | 10.5174% | 2,887 |
| Tier 1 risk-based capital ratio | 12.7674% | 4,216 |
| Total risk-based capital ratio | 13.5077% | 4,439 |
| Memoranda: | ||
| Average total assets | $24,819,873,500 | 66 |
| Average earning assets | $21,669,235,000 | 70 |
| Average equity | $4,207,896,500 | 47 |
| Average total loans | $18,047,397,000 | 59 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 1,905 |
| Cost of funding earning assets | 0.2454% | 4,608 |
| Net interest margin | 4.1277% | 1,312 |
| Noninterest income to average assets | 1.1643% | 834 |
| Noninterest expense to average assets | 2.9651% | 2,448 |
| Loan and lease loss provision to assets | 0.1716% | 1,420 |
| Net operating income to assets | 1.0168% | 2,280 |
| Return on assets (ROA) | 1.0190% | 2,367 |
| Pretax return on assets | 1.6016% | 1,273 |
| Return on Equity (ROE) | 5.9015% | 4,026 |
| Retained earnings to average equity (ytd only) | 1.9752% | 4,417 |
| Net charge-offs to loans | 0.2135% | 1,303 |
| Credit loss provision to net charge-offs | 109.7501% | 2,393 |
| Earnings coverage of net charge-offs (x) | 11.3203% | 2,550 |
| Efficiency ratio | 61.8713% | 4,277 |
| Assets per employee ($millions) | 5.8321% | 1,595 |
| Cash dividends to net income (ytd only)* | 66.5304% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7481% | 5,242 |
| Loan loss allowance to noncurrent loans | 176.1153% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 3,950 |
| Noncurrent loans to loans | 0.4248% | 3,619 |
| Net loans and leases to total assets | 71.6200% | 2,216 |
| Net loans and leases to deposits | 92.8884% | 1,308 |
| Net loans and leases to core deposits | 102.7683% | 1,386 |
| Total domestic deposits to total assets | 77.1033% | 5,108 |
| Equity capital to assets | 16.9552% | 389 |
| Core capital (leverage) ratio | 10.4662% | 2,914 |
| Tier 1 risk-based capital ratio | 13.0409% | 4,042 |
| Total risk-based capital ratio | 13.7887% | 4,247 |
| Memoranda: | ||
| Average total assets | $24,190,020,200 | 65 |
| Average earning assets | $20,924,582,000 | 65 |
| Average equity | $4,177,004,800 | 47 |
| Average total loans | $17,715,262,200 | 61 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 1,765 |
| Cost of funding earning assets | 0.2460% | 4,640 |
| Net interest margin | 4.1818% | 1,172 |
| Noninterest income to average assets | 1.0388% | 1,050 |
| Noninterest expense to average assets | 2.9876% | 2,355 |
| Loan and lease loss provision to assets | 0.1576% | 1,472 |
| Net operating income to assets | 0.9614% | 2,608 |
| Return on assets (ROA) | 0.9645% | 2,730 |
| Pretax return on assets | 1.5094% | 1,681 |
| Return on Equity (ROE) | 5.5596% | 4,284 |
| Retained earnings to average equity (ytd only) | 1.5470% | 4,894 |
| Net charge-offs to loans | 0.1886% | 1,237 |
| Credit loss provision to net charge-offs | 113.6940% | 2,179 |
| Earnings coverage of net charge-offs (x) | 11.9926% | 2,428 |
| Efficiency ratio | 63.4459% | 4,010 |
| Assets per employee ($millions) | 5.8368% | 1,551 |
| Cash dividends to net income (ytd only)* | 72.1746% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 5,329 |
| Loan loss allowance to noncurrent loans | 183.6947% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 4,090 |
| Noncurrent loans to loans | 0.4051% | 3,825 |
| Net loans and leases to total assets | 72.0656% | 2,186 |
| Net loans and leases to deposits | 93.7117% | 1,290 |
| Net loans and leases to core deposits | 103.6543% | 1,369 |
| Total domestic deposits to total assets | 76.9015% | 5,111 |
| Equity capital to assets | 17.0088% | 433 |
| Core capital (leverage) ratio | 10.4214% | 3,083 |
| Tier 1 risk-based capital ratio | 12.8101% | 4,273 |
| Total risk-based capital ratio | 13.5566% | 4,503 |
| Memoranda: | ||
| Average total assets | $24,037,951,500 | 66 |
| Average earning assets | $20,757,295,500 | 66 |
| Average equity | $4,170,108,250 | 48 |
| Average total loans | $17,670,473,250 | 60 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 1,508 |
| Cost of funding earning assets | 0.2478% | 4,683 |
| Net interest margin | 4.2525% | 1,016 |
| Noninterest income to average assets | 0.9321% | 1,282 |
| Noninterest expense to average assets | 3.0415% | 2,228 |
| Loan and lease loss provision to assets | 0.1288% | 1,773 |
| Net operating income to assets | 0.9111% | 2,808 |
| Return on assets (ROA) | 0.9157% | 2,918 |
| Pretax return on assets | 1.4350% | 1,888 |
| Return on Equity (ROE) | 5.2432% | 4,413 |
| Retained earnings to average equity (ytd only) | 1.0585% | 4,965 |
| Net charge-offs to loans | 0.1661% | 1,340 |
| Credit loss provision to net charge-offs | 105.0435% | 2,029 |
| Earnings coverage of net charge-offs (x) | 12.6972% | 2,171 |
| Efficiency ratio | 65.2536% | 3,798 |
| Assets per employee ($millions) | 5.5488% | 1,746 |
| Cash dividends to net income (ytd only)* | 79.8121% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7311% | 5,452 |
| Loan loss allowance to noncurrent loans | 183.6361% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 4,028 |
| Noncurrent loans to loans | 0.3981% | 3,933 |
| Net loans and leases to total assets | 73.6920% | 1,901 |
| Net loans and leases to deposits | 96.7978% | 986 |
| Net loans and leases to core deposits | 107.2669% | 1,072 |
| Total domestic deposits to total assets | 76.1298% | 5,270 |
| Equity capital to assets | 17.3468% | 389 |
| Core capital (leverage) ratio | 10.4046% | 3,076 |
| Tier 1 risk-based capital ratio | 12.5325% | 4,494 |
| Total risk-based capital ratio | 13.2677% | 4,730 |
| Memoranda: | ||
| Average total assets | $23,807,097,330 | 67 |
| Average earning assets | $20,523,274,000 | 69 |
| Average equity | $4,158,019,670 | 48 |
| Average total loans | $17,575,362,330 | 60 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6107% | 1,238 |
| Cost of funding earning assets | 0.2513% | 4,691 |
| Net interest margin | 4.3594% | 814 |
| Noninterest income to average assets | 0.6804% | 2,135 |
| Noninterest expense to average assets | 2.9986% | 2,399 |
| Loan and lease loss provision to assets | 0.0800% | 2,359 |
| Net operating income to assets | 0.8636% | 2,927 |
| Return on assets (ROA) | 0.8712% | 3,008 |
| Pretax return on assets | 1.3704% | 2,003 |
| Return on Equity (ROE) | 4.9708% | 4,497 |
| Retained earnings to average equity (ytd only) | 0.2904% | 5,043 |
| Net charge-offs to loans | 0.1098% | 1,469 |
| Credit loss provision to net charge-offs | 98.9749% | 1,684 |
| Earnings coverage of net charge-offs (x) | 17.7950% | 1,559 |
| Efficiency ratio | 66.6026% | 3,703 |
| Assets per employee ($millions) | 5.3838% | 1,942 |
| Cash dividends to net income (ytd only)* | 94.1583% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7389% | 5,521 |
| Loan loss allowance to noncurrent loans | 163.9074% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 3,953 |
| Noncurrent loans to loans | 0.4508% | 3,825 |
| Net loans and leases to total assets | 73.0694% | 1,875 |
| Net loans and leases to deposits | 95.6896% | 970 |
| Net loans and leases to core deposits | 105.5628% | 1,101 |
| Total domestic deposits to total assets | 76.3609% | 5,373 |
| Equity capital to assets | 17.3760% | 388 |
| Core capital (leverage) ratio | 10.4453% | 3,021 |
| Tier 1 risk-based capital ratio | 12.4154% | 4,639 |
| Total risk-based capital ratio | 13.1534% | 4,881 |
| Memoranda: | ||
| Average total assets | $23,650,426,000 | 67 |
| Average earning assets | $20,381,295,500 | 69 |
| Average equity | $4,144,964,500 | 48 |
| Average total loans | $17,410,166,500 | 59 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7488% | 1,011 |
| Cost of funding earning assets | 0.2290% | 5,016 |
| Net interest margin | 4.5198% | 631 |
| Noninterest income to average assets | 1.1358% | 919 |
| Noninterest expense to average assets | 3.2402% | 1,862 |
| Loan and lease loss provision to assets | 0.1589% | 1,460 |
| Net operating income to assets | 1.0189% | 2,264 |
| Return on assets (ROA) | 1.0271% | 2,305 |
| Pretax return on assets | 1.6002% | 1,248 |
| Return on Equity (ROE) | 5.7641% | 4,146 |
| Retained earnings to average equity (ytd only) | 2.0274% | 4,572 |
| Net charge-offs to loans | 0.1368% | 1,989 |
| Credit loss provision to net charge-offs | 162.8383% | 1,649 |
| Earnings coverage of net charge-offs (x) | 17.8924% | 2,044 |
| Efficiency ratio | 63.9989% | 4,264 |
| Assets per employee ($millions) | 5.2837% | 2,020 |
| Cash dividends to net income (ytd only)* | 64.8272% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 5,513 |
| Loan loss allowance to noncurrent loans | 212.2147% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 4,189 |
| Noncurrent loans to loans | 0.3565% | 4,182 |
| Net loans and leases to total assets | 73.0590% | 1,880 |
| Net loans and leases to deposits | 95.9101% | 1,021 |
| Net loans and leases to core deposits | 104.4010% | 1,201 |
| Total domestic deposits to total assets | 76.1745% | 5,424 |
| Equity capital to assets | 17.6795% | 339 |
| Core capital (leverage) ratio | 10.4959% | 2,934 |
| Tier 1 risk-based capital ratio | 12.5664% | 4,585 |
| Total risk-based capital ratio | 13.3186% | 4,808 |
| Memoranda: | ||
| Average total assets | $22,979,226,800 | 67 |
| Average earning assets | $19,578,140,200 | 67 |
| Average equity | $4,094,527,600 | 46 |
| Average total loans | $16,389,657,600 | 59 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7624% | 1,001 |
| Cost of funding earning assets | 0.2256% | 5,125 |
| Net interest margin | 4.5368% | 606 |
| Noninterest income to average assets | 1.1444% | 913 |
| Noninterest expense to average assets | 3.2773% | 1,755 |
| Loan and lease loss provision to assets | 0.1864% | 1,105 |
| Net operating income to assets | 0.9848% | 2,544 |
| Return on assets (ROA) | 0.9861% | 2,619 |
| Pretax return on assets | 1.5383% | 1,581 |
| Return on Equity (ROE) | 5.5231% | 4,395 |
| Retained earnings to average equity (ytd only) | 1.9491% | 4,906 |
| Net charge-offs to loans | 0.1489% | 1,647 |
| Credit loss provision to net charge-offs | 177.0167% | 1,489 |
| Earnings coverage of net charge-offs (x) | 16.3563% | 2,119 |
| Efficiency ratio | 64.5649% | 4,145 |
| Assets per employee ($millions) | 5.3180% | 1,940 |
| Cash dividends to net income (ytd only)* | 64.7098% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 5,573 |
| Loan loss allowance to noncurrent loans | 209.8292% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3600% | 4,333 |
| Noncurrent loans to loans | 0.3692% | 4,291 |
| Net loans and leases to total assets | 71.9071% | 2,077 |
| Net loans and leases to deposits | 94.8020% | 1,108 |
| Net loans and leases to core deposits | 103.3396% | 1,277 |
| Total domestic deposits to total assets | 75.8498% | 5,511 |
| Equity capital to assets | 17.8034% | 358 |
| Core capital (leverage) ratio | 10.4353% | 3,124 |
| Tier 1 risk-based capital ratio | 12.7224% | 4,600 |
| Total risk-based capital ratio | 13.4936% | 4,826 |
| Memoranda: | ||
| Average total assets | $22,880,212,000 | 67 |
| Average earning assets | $19,445,051,250 | 67 |
| Average equity | $4,085,002,000 | 46 |
| Average total loans | $16,185,087,250 | 59 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 892 |
| Cost of funding earning assets | 0.2246% | 5,197 |
| Net interest margin | 4.5747% | 551 |
| Noninterest income to average assets | 1.1894% | 858 |
| Noninterest expense to average assets | 3.3751% | 1,522 |
| Loan and lease loss provision to assets | 0.2093% | 930 |
| Net operating income to assets | 0.9488% | 2,638 |
| Return on assets (ROA) | 0.9496% | 2,754 |
| Pretax return on assets | 1.4846% | 1,690 |
| Return on Equity (ROE) | 5.3136% | 4,473 |
| Retained earnings to average equity (ytd only) | 1.7284% | 4,830 |
| Net charge-offs to loans | 0.1626% | 1,498 |
| Credit loss provision to net charge-offs | 183.5758% | 1,324 |
| Earnings coverage of net charge-offs (x) | 14.8435% | 2,025 |
| Efficiency ratio | 65.6261% | 4,080 |
| Assets per employee ($millions) | 5.2403% | 2,004 |
| Cash dividends to net income (ytd only)* | 67.4726% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 5,656 |
| Loan loss allowance to noncurrent loans | 173.1548% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.4118% | 4,265 |
| Noncurrent loans to loans | 0.4473% | 4,131 |
| Net loans and leases to total assets | 71.3510% | 2,099 |
| Net loans and leases to deposits | 94.3062% | 1,123 |
| Net loans and leases to core deposits | 103.1954% | 1,248 |
| Total domestic deposits to total assets | 75.6589% | 5,641 |
| Equity capital to assets | 17.9281% | 345 |
| Core capital (leverage) ratio | 10.3207% | 3,194 |
| Tier 1 risk-based capital ratio | 12.7821% | 4,632 |
| Total risk-based capital ratio | 13.5526% | 4,839 |
| Memoranda: | ||
| Average total assets | $22,787,007,330 | 67 |
| Average earning assets | $19,318,776,330 | 67 |
| Average equity | $4,072,258,000 | 46 |
| Average total loans | $15,985,595,330 | 59 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 878 |
| Cost of funding earning assets | 0.2216% | 5,306 |
| Net interest margin | 4.5697% | 534 |
| Noninterest income to average assets | 1.0163% | 1,083 |
| Noninterest expense to average assets | 3.2876% | 1,747 |
| Loan and lease loss provision to assets | 0.2215% | 798 |
| Net operating income to assets | 0.8799% | 2,843 |
| Return on assets (ROA) | 0.8812% | 2,965 |
| Pretax return on assets | 1.3808% | 1,957 |
| Return on Equity (ROE) | 4.9388% | 4,561 |
| Retained earnings to average equity (ytd only) | 1.3472% | 4,947 |
| Net charge-offs to loans | 0.2207% | 1,061 |
| Credit loss provision to net charge-offs | 144.9064% | 1,278 |
| Earnings coverage of net charge-offs (x) | 10.4681% | 1,934 |
| Efficiency ratio | 66.2524% | 4,110 |
| Assets per employee ($millions) | 5.1918% | 2,120 |
| Cash dividends to net income (ytd only)* | 72.7222% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 5,806 |
| Loan loss allowance to noncurrent loans | 138.5647% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 4,001 |
| Noncurrent loans to loans | 0.5428% | 3,960 |
| Net loans and leases to total assets | 68.9806% | 2,291 |
| Net loans and leases to deposits | 91.3503% | 1,249 |
| Net loans and leases to core deposits | 100.7162% | 1,273 |
| Total domestic deposits to total assets | 75.5122% | 5,788 |
| Equity capital to assets | 17.7569% | 351 |
| Core capital (leverage) ratio | 10.1669% | 3,381 |
| Tier 1 risk-based capital ratio | 12.9036% | 4,660 |
| Total risk-based capital ratio | 13.6569% | 4,881 |
| Memoranda: | ||
| Average total assets | $22,782,896,000 | 66 |
| Average earning assets | $19,302,144,000 | 67 |
| Average equity | $4,065,014,500 | 46 |
| Average total loans | $15,782,610,500 | 60 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3377% | 421 |
| Cost of funding earning assets | 0.2417% | 5,410 |
| Net interest margin | 5.0961% | 252 |
| Noninterest income to average assets | 0.8916% | 1,531 |
| Noninterest expense to average assets | 3.6694% | 1,198 |
| Loan and lease loss provision to assets | 0.2214% | 1,111 |
| Net operating income to assets | 0.8585% | 3,069 |
| Return on assets (ROA) | 0.8687% | 3,120 |
| Pretax return on assets | 1.3553% | 2,058 |
| Return on Equity (ROE) | 4.9874% | 4,673 |
| Retained earnings to average equity (ytd only) | -2.9477% | 6,088 |
| Net charge-offs to loans | 0.1533% | 2,506 |
| Credit loss provision to net charge-offs | 210.0974% | 1,177 |
| Earnings coverage of net charge-offs (x) | 14.8128% | 2,125 |
| Efficiency ratio | 69.0835% | 3,696 |
| Assets per employee ($millions) | 5.0195% | 2,296 |
| Cash dividends to net income (ytd only)* | 159.1042% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 5,897 |
| Loan loss allowance to noncurrent loans | 117.2669% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 3,806 |
| Noncurrent loans to loans | 0.6341% | 3,783 |
| Net loans and leases to total assets | 68.5276% | 2,488 |
| Net loans and leases to deposits | 91.1331% | 1,389 |
| Net loans and leases to core deposits | 100.9273% | 1,326 |
| Total domestic deposits to total assets | 75.1951% | 5,834 |
| Equity capital to assets | 17.9291% | 322 |
| Core capital (leverage) ratio | 9.9614% | 3,633 |
| Tier 1 risk-based capital ratio | 13.1366% | 4,634 |
| Total risk-based capital ratio | 13.8987% | 4,860 |
| Memoranda: | ||
| Average total assets | $18,123,178,400 | 76 |
| Average earning assets | $15,428,634,600 | 77 |
| Average equity | $3,156,854,200 | 49 |
| Average total loans | $12,452,559,200 | 71 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3417% | 417 |
| Cost of funding earning assets | 0.2433% | 5,474 |
| Net interest margin | 5.0984% | 249 |
| Noninterest income to average assets | 0.9323% | 1,416 |
| Noninterest expense to average assets | 3.7835% | 993 |
| Loan and lease loss provision to assets | 0.2737% | 757 |
| Net operating income to assets | 0.7846% | 3,486 |
| Return on assets (ROA) | 0.7940% | 3,556 |
| Pretax return on assets | 1.2391% | 2,619 |
| Return on Equity (ROE) | 4.6033% | 4,907 |
| Retained earnings to average equity (ytd only) | -5.1265% | 6,261 |
| Net charge-offs to loans | 0.1649% | 2,147 |
| Credit loss provision to net charge-offs | 241.9983% | 1,084 |
| Earnings coverage of net charge-offs (x) | 13.2452% | 2,247 |
| Efficiency ratio | 70.5803% | 3,407 |
| Assets per employee ($millions) | 4.9507% | 2,297 |
| Cash dividends to net income (ytd only)* | 211.3643% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 6,009 |
| Loan loss allowance to noncurrent loans | 125.1945% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 4,216 |
| Noncurrent loans to loans | 0.5946% | 4,148 |
| Net loans and leases to total assets | 68.5146% | 2,462 |
| Net loans and leases to deposits | 91.4464% | 1,287 |
| Net loans and leases to core deposits | 101.6797% | 1,235 |
| Total domestic deposits to total assets | 74.9232% | 5,933 |
| Equity capital to assets | 17.8991% | 345 |
| Core capital (leverage) ratio | 9.9781% | 3,711 |
| Tier 1 risk-based capital ratio | 12.8028% | 4,974 |
| Total risk-based capital ratio | 13.5636% | 5,216 |
| Memoranda: | ||
| Average total assets | $17,000,763,250 | 78 |
| Average earning assets | $14,502,703,500 | 82 |
| Average equity | $2,932,495,750 | 55 |
| Average total loans | $11,662,666,750 | 77 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2486% | 471 |
| Cost of funding earning assets | 0.2456% | 5,528 |
| Net interest margin | 5.0030% | 278 |
| Noninterest income to average assets | 0.7954% | 1,853 |
| Noninterest expense to average assets | 3.9988% | 767 |
| Loan and lease loss provision to assets | 0.2718% | 762 |
| Net operating income to assets | 0.5109% | 4,764 |
| Return on assets (ROA) | 0.5192% | 4,823 |
| Pretax return on assets | 0.8257% | 4,177 |
| Return on Equity (ROE) | 3.0669% | 5,503 |
| Retained earnings to average equity (ytd only) | -10.7550% | 6,437 |
| Net charge-offs to loans | 0.1779% | 1,969 |
| Credit loss provision to net charge-offs | 223.3886% | 1,068 |
| Earnings coverage of net charge-offs (x) | 8.9141% | 2,428 |
| Efficiency ratio | 77.6248% | 2,348 |
| Assets per employee ($millions) | 4.8634% | 2,392 |
| Cash dividends to net income (ytd only)* | 450.6792% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6884% | 6,193 |
| Loan loss allowance to noncurrent loans | 106.3084% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5632% | 4,296 |
| Noncurrent loans to loans | 0.6476% | 4,088 |
| Net loans and leases to total assets | 69.6108% | 2,141 |
| Net loans and leases to deposits | 93.3708% | 1,019 |
| Net loans and leases to core deposits | 104.6614% | 974 |
| Total domestic deposits to total assets | 74.5531% | 6,058 |
| Equity capital to assets | 18.1415% | 321 |
| Core capital (leverage) ratio | 11.0760% | 2,356 |
| Tier 1 risk-based capital ratio | 12.2432% | 5,386 |
| Total risk-based capital ratio | 12.9245% | 5,654 |
| Memoranda: | ||
| Average total assets | $15,172,347,670 | 87 |
| Average earning assets | $13,004,233,330 | 91 |
| Average equity | $2,568,393,670 | 64 |
| Average total loans | $10,376,307,330 | 83 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 1,732 |
| Cost of funding earning assets | 0.2432% | 5,654 |
| Net interest margin | 4.2796% | 1,040 |
| Noninterest income to average assets | 0.6699% | 2,344 |
| Noninterest expense to average assets | 3.1708% | 2,323 |
| Loan and lease loss provision to assets | 0.2028% | 1,149 |
| Net operating income to assets | 0.6825% | 3,775 |
| Return on assets (ROA) | 0.6825% | 3,851 |
| Pretax return on assets | 1.0412% | 3,160 |
| Return on Equity (ROE) | 4.3229% | 4,872 |
| Retained earnings to average equity (ytd only) | 0.3262% | 5,438 |
| Net charge-offs to loans | 0.2058% | 1,514 |
| Credit loss provision to net charge-offs | 147.5682% | 1,276 |
| Earnings coverage of net charge-offs (x) | 9.0509% | 1,969 |
| Efficiency ratio | 70.8998% | 3,666 |
| Assets per employee ($millions) | 4.8784% | 2,399 |
| Cash dividends to net income (ytd only)* | 92.4538% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 4,443 |
| Loan loss allowance to noncurrent loans | 166.4196% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 4,137 |
| Noncurrent loans to loans | 0.7438% | 4,007 |
| Net loans and leases to total assets | 65.4054% | 2,652 |
| Net loans and leases to deposits | 82.7774% | 1,974 |
| Net loans and leases to core deposits | 93.2860% | 1,611 |
| Total domestic deposits to total assets | 79.0136% | 5,683 |
| Equity capital to assets | 15.6881% | 569 |
| Core capital (leverage) ratio | 10.0130% | 3,560 |
| Tier 1 risk-based capital ratio | 12.4551% | 5,344 |
| Total risk-based capital ratio | 13.5814% | 5,349 |
| Memoranda: | ||
| Average total assets | $11,728,281,500 | 101 |
| Average earning assets | $10,263,024,500 | 103 |
| Average equity | $1,851,537,500 | 78 |
| Average total loans | $7,832,997,000 | 99 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 2,710 |
| Cost of funding earning assets | 0.2997% | 5,600 |
| Net interest margin | 4.0666% | 1,740 |
| Noninterest income to average assets | 0.9274% | 1,590 |
| Noninterest expense to average assets | 3.0204% | 2,995 |
| Loan and lease loss provision to assets | 0.0924% | 3,262 |
| Net operating income to assets | 0.8996% | 2,782 |
| Return on assets (ROA) | 0.9008% | 2,860 |
| Pretax return on assets | 1.3890% | 1,824 |
| Return on Equity (ROE) | 5.6671% | 4,292 |
| Retained earnings to average equity (ytd only) | 2.2963% | 4,617 |
| Net charge-offs to loans | 0.2557% | 2,437 |
| Credit loss provision to net charge-offs | 55.4133% | 3,693 |
| Earnings coverage of net charge-offs (x) | 8.8729% | 2,588 |
| Efficiency ratio | 66.2027% | 4,521 |
| Assets per employee ($millions) | 4.7964% | 2,451 |
| Cash dividends to net income (ytd only)* | 59.4810% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 4,585 |
| Loan loss allowance to noncurrent loans | 183.4504% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 4,379 |
| Noncurrent loans to loans | 0.6617% | 4,317 |
| Net loans and leases to total assets | 66.5415% | 2,604 |
| Net loans and leases to deposits | 84.1447% | 1,921 |
| Net loans and leases to core deposits | 94.5257% | 1,561 |
| Total domestic deposits to total assets | 79.0798% | 5,639 |
| Equity capital to assets | 15.8876% | 543 |
| Core capital (leverage) ratio | 9.9670% | 3,621 |
| Tier 1 risk-based capital ratio | 12.4031% | 5,350 |
| Total risk-based capital ratio | 13.5100% | 5,383 |
| Memoranda: | ||
| Average total assets | $11,571,206,800 | 101 |
| Average earning assets | $10,165,453,800 | 103 |
| Average equity | $1,839,299,200 | 76 |
| Average total loans | $7,547,351,800 | 97 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 3,145 |
| Cost of funding earning assets | 0.3126% | 5,615 |
| Net interest margin | 3.9510% | 2,109 |
| Noninterest income to average assets | 0.9829% | 1,502 |
| Noninterest expense to average assets | 2.9844% | 3,044 |
| Loan and lease loss provision to assets | 0.0950% | 3,173 |
| Net operating income to assets | 0.8943% | 2,861 |
| Return on assets (ROA) | 0.8944% | 2,980 |
| Pretax return on assets | 1.3792% | 2,001 |
| Return on Equity (ROE) | 5.6262% | 4,397 |
| Retained earnings to average equity (ytd only) | 2.4695% | 4,847 |
| Net charge-offs to loans | 0.2728% | 2,188 |
| Credit loss provision to net charge-offs | 53.8401% | 3,421 |
| Earnings coverage of net charge-offs (x) | 8.3514% | 2,636 |
| Efficiency ratio | 66.0091% | 4,476 |
| Assets per employee ($millions) | 4.7437% | 2,519 |
| Cash dividends to net income (ytd only)* | 56.1066% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 4,655 |
| Loan loss allowance to noncurrent loans | 136.9837% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7625% | 4,200 |
| Noncurrent loans to loans | 0.9100% | 4,000 |
| Net loans and leases to total assets | 66.2019% | 2,602 |
| Net loans and leases to deposits | 83.6816% | 1,918 |
| Net loans and leases to core deposits | 94.5214% | 1,525 |
| Total domestic deposits to total assets | 79.1116% | 5,726 |
| Equity capital to assets | 15.9606% | 559 |
| Core capital (leverage) ratio | 10.0301% | 3,638 |
| Tier 1 risk-based capital ratio | 12.4499% | 5,480 |
| Total risk-based capital ratio | 13.5889% | 5,487 |
| Memoranda: | ||
| Average total assets | $11,557,383,000 | 101 |
| Average earning assets | $10,166,317,750 | 102 |
| Average equity | $1,837,331,750 | 75 |
| Average total loans | $7,476,312,500 | 98 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,738 |
| Cost of funding earning assets | 0.3246% | 5,620 |
| Net interest margin | 3.7744% | 2,659 |
| Noninterest income to average assets | 1.0809% | 1,309 |
| Noninterest expense to average assets | 2.8829% | 3,387 |
| Loan and lease loss provision to assets | 0.1236% | 2,775 |
| Net operating income to assets | 0.9133% | 2,727 |
| Return on assets (ROA) | 0.9135% | 2,865 |
| Pretax return on assets | 1.4034% | 1,919 |
| Return on Equity (ROE) | 5.7535% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.0283% | 4,392 |
| Net charge-offs to loans | 0.2872% | 2,047 |
| Credit loss provision to net charge-offs | 67.3298% | 2,884 |
| Earnings coverage of net charge-offs (x) | 8.3175% | 2,417 |
| Efficiency ratio | 64.4327% | 4,801 |
| Assets per employee ($millions) | 4.9269% | 2,191 |
| Cash dividends to net income (ytd only)* | 47.3655% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3551% | 4,242 |
| Loan loss allowance to noncurrent loans | 124.5457% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.8217% | 4,176 |
| Noncurrent loans to loans | 1.0880% | 3,756 |
| Net loans and leases to total assets | 64.0638% | 2,902 |
| Net loans and leases to deposits | 80.7093% | 2,221 |
| Net loans and leases to core deposits | 92.2402% | 1,683 |
| Total domestic deposits to total assets | 79.3759% | 5,738 |
| Equity capital to assets | 16.1123% | 513 |
| Core capital (leverage) ratio | 10.7553% | 2,614 |
| Tier 1 risk-based capital ratio | 14.1517% | 4,324 |
| Total risk-based capital ratio | 15.3924% | 4,287 |
| Memoranda: | ||
| Average total assets | $11,556,392,330 | 101 |
| Average earning assets | $10,191,537,670 | 101 |
| Average equity | $1,834,740,000 | 73 |
| Average total loans | $7,385,156,330 | 99 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0761% | 3,820 |
| Cost of funding earning assets | 0.3219% | 5,789 |
| Net interest margin | 3.7542% | 2,643 |
| Noninterest income to average assets | 1.0642% | 1,315 |
| Noninterest expense to average assets | 2.8209% | 3,631 |
| Loan and lease loss provision to assets | 0.2481% | 1,455 |
| Net operating income to assets | 0.8590% | 2,867 |
| Return on assets (ROA) | 0.8592% | 2,994 |
| Pretax return on assets | 1.3047% | 2,212 |
| Return on Equity (ROE) | 5.4514% | 4,330 |
| Retained earnings to average equity (ytd only) | 2.7264% | 4,651 |
| Net charge-offs to loans | 0.4322% | 1,372 |
| Credit loss provision to net charge-offs | 90.5443% | 2,015 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,339 |
| Efficiency ratio | 63.5539% | 5,076 |
| Assets per employee ($millions) | 4.9288% | 2,314 |
| Cash dividends to net income (ytd only)* | 49.9880% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 4,153 |
| Loan loss allowance to noncurrent loans | 117.4712% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 4,006 |
| Noncurrent loans to loans | 1.2060% | 3,756 |
| Net loans and leases to total assets | 62.3328% | 2,994 |
| Net loans and leases to deposits | 78.1549% | 2,314 |
| Net loans and leases to core deposits | 89.8846% | 1,708 |
| Total domestic deposits to total assets | 79.7555% | 5,810 |
| Equity capital to assets | 16.0183% | 561 |
| Core capital (leverage) ratio | 10.5780% | 2,675 |
| Tier 1 risk-based capital ratio | 14.2487% | 4,327 |
| Total risk-based capital ratio | 15.4993% | 4,296 |
| Memoranda: | ||
| Average total assets | $11,641,561,500 | 102 |
| Average earning assets | $10,261,668,500 | 100 |
| Average equity | $1,834,830,500 | 74 |
| Average total loans | $7,380,466,000 | 100 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 3,411 |
| Cost of funding earning assets | 0.4024% | 5,901 |
| Net interest margin | 4.0916% | 2,037 |
| Noninterest income to average assets | 0.9454% | 1,720 |
| Noninterest expense to average assets | 2.8943% | 3,665 |
| Loan and lease loss provision to assets | 0.2525% | 2,636 |
| Net operating income to assets | 0.9123% | 2,755 |
| Return on assets (ROA) | 0.9341% | 2,872 |
| Pretax return on assets | 1.4348% | 1,921 |
| Return on Equity (ROE) | 5.9921% | 4,171 |
| Retained earnings to average equity (ytd only) | 1.6383% | 5,045 |
| Net charge-offs to loans | 0.4734% | 2,345 |
| Credit loss provision to net charge-offs | 88.9678% | 3,516 |
| Earnings coverage of net charge-offs (x) | 5.8281% | 2,940 |
| Efficiency ratio | 62.7214% | 5,128 |
| Assets per employee ($millions) | 5.1012% | 2,098 |
| Cash dividends to net income (ytd only)* | 72.6596% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 4,251 |
| Loan loss allowance to noncurrent loans | 98.7587% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 3,827 |
| Noncurrent loans to loans | 1.4002% | 3,503 |
| Net loans and leases to total assets | 62.6832% | 3,123 |
| Net loans and leases to deposits | 78.0670% | 2,523 |
| Net loans and leases to core deposits | 89.4123% | 1,908 |
| Total domestic deposits to total assets | 80.2941% | 5,590 |
| Equity capital to assets | 15.5104% | 632 |
| Core capital (leverage) ratio | 10.3205% | 2,990 |
| Tier 1 risk-based capital ratio | 13.7827% | 4,548 |
| Total risk-based capital ratio | 15.0330% | 4,500 |
| Memoranda: | ||
| Average total assets | $11,566,602,200 | 102 |
| Average earning assets | $10,184,462,600 | 103 |
| Average equity | $1,803,007,800 | 76 |
| Average total loans | $6,933,396,600 | 102 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 3,514 |
| Cost of funding earning assets | 0.4211% | 5,978 |
| Net interest margin | 4.1104% | 2,055 |
| Noninterest income to average assets | 0.8243% | 2,140 |
| Noninterest expense to average assets | 2.8130% | 3,940 |
| Loan and lease loss provision to assets | 0.2454% | 2,602 |
| Net operating income to assets | 0.9058% | 2,960 |
| Return on assets (ROA) | 0.9149% | 3,136 |
| Pretax return on assets | 1.4005% | 2,236 |
| Return on Equity (ROE) | 5.8615% | 4,401 |
| Retained earnings to average equity (ytd only) | 3.4493% | 4,437 |
| Net charge-offs to loans | 0.5532% | 1,948 |
| Credit loss provision to net charge-offs | 75.1721% | 3,763 |
| Earnings coverage of net charge-offs (x) | 4.9990% | 3,141 |
| Efficiency ratio | 62.3431% | 5,095 |
| Assets per employee ($millions) | 5.1070% | 2,044 |
| Cash dividends to net income (ytd only)* | 41.1523% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 4,235 |
| Loan loss allowance to noncurrent loans | 85.6800% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.2222% | 3,852 |
| Noncurrent loans to loans | 1.6710% | 3,284 |
| Net loans and leases to total assets | 59.9282% | 3,798 |
| Net loans and leases to deposits | 75.1748% | 3,116 |
| Net loans and leases to core deposits | 86.5418% | 2,395 |
| Total domestic deposits to total assets | 79.7185% | 5,726 |
| Equity capital to assets | 15.7915% | 647 |
| Core capital (leverage) ratio | 10.2895% | 3,178 |
| Tier 1 risk-based capital ratio | 14.4015% | 4,256 |
| Total risk-based capital ratio | 15.6524% | 4,231 |
| Memoranda: | ||
| Average total assets | $11,509,735,500 | 101 |
| Average earning assets | $10,138,417,750 | 100 |
| Average equity | $1,796,433,500 | 76 |
| Average total loans | $6,792,604,250 | 104 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5424% | 3,594 |
| Cost of funding earning assets | 0.4329% | 6,081 |
| Net interest margin | 4.1096% | 2,049 |
| Noninterest income to average assets | 0.7450% | 2,441 |
| Noninterest expense to average assets | 2.8078% | 3,990 |
| Loan and lease loss provision to assets | 0.1944% | 3,145 |
| Net operating income to assets | 0.8936% | 2,941 |
| Return on assets (ROA) | 0.9071% | 3,149 |
| Pretax return on assets | 1.3804% | 2,288 |
| Return on Equity (ROE) | 5.8349% | 4,403 |
| Retained earnings to average equity (ytd only) | 3.5988% | 4,198 |
| Net charge-offs to loans | 0.6508% | 1,695 |
| Credit loss provision to net charge-offs | 51.1155% | 4,009 |
| Earnings coverage of net charge-offs (x) | 4.0877% | 3,179 |
| Efficiency ratio | 63.4038% | 5,006 |
| Assets per employee ($millions) | 5.0661% | 2,082 |
| Cash dividends to net income (ytd only)* | 38.3237% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 4,451 |
| Loan loss allowance to noncurrent loans | 75.9699% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3861% | 3,652 |
| Noncurrent loans to loans | 1.8478% | 3,150 |
| Net loans and leases to total assets | 58.9164% | 4,003 |
| Net loans and leases to deposits | 73.6181% | 3,354 |
| Net loans and leases to core deposits | 84.8843% | 2,578 |
| Total domestic deposits to total assets | 80.0298% | 5,733 |
| Equity capital to assets | 15.6574% | 652 |
| Core capital (leverage) ratio | 10.3422% | 2,995 |
| Tier 1 risk-based capital ratio | 14.4406% | 4,144 |
| Total risk-based capital ratio | 15.6909% | 4,109 |
| Memoranda: | ||
| Average total assets | $11,505,831,670 | 101 |
| Average earning assets | $10,127,092,000 | 100 |
| Average equity | $1,788,776,330 | 78 |
| Average total loans | $6,721,844,330 | 104 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 3,564 |
| Cost of funding earning assets | 0.4467% | 6,166 |
| Net interest margin | 4.1413% | 1,965 |
| Noninterest income to average assets | 0.6630% | 2,851 |
| Noninterest expense to average assets | 2.7488% | 4,244 |
| Loan and lease loss provision to assets | 0.1091% | 3,991 |
| Net operating income to assets | 0.9465% | 2,714 |
| Return on assets (ROA) | 0.9499% | 2,907 |
| Pretax return on assets | 1.4529% | 2,012 |
| Return on Equity (ROE) | 6.1316% | 4,225 |
| Retained earnings to average equity (ytd only) | 3.8865% | 4,260 |
| Net charge-offs to loans | 0.6696% | 1,467 |
| Credit loss provision to net charge-offs | 28.2040% | 3,652 |
| Earnings coverage of net charge-offs (x) | 4.0258% | 2,689 |
| Efficiency ratio | 62.8635% | 5,125 |
| Assets per employee ($millions) | 4.9980% | 2,254 |
| Cash dividends to net income (ytd only)* | 36.6153% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 4,224 |
| Loan loss allowance to noncurrent loans | 80.2990% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.4604% | 3,675 |
| Noncurrent loans to loans | 1.8529% | 3,339 |
| Net loans and leases to total assets | 57.4451% | 4,136 |
| Net loans and leases to deposits | 71.5006% | 3,508 |
| Net loans and leases to core deposits | 81.7630% | 2,862 |
| Total domestic deposits to total assets | 80.3421% | 5,769 |
| Equity capital to assets | 15.6509% | 628 |
| Core capital (leverage) ratio | 10.0959% | 3,246 |
| Tier 1 risk-based capital ratio | 14.4816% | 4,121 |
| Total risk-based capital ratio | 15.7327% | 4,087 |
| Memoranda: | ||
| Average total assets | $11,501,108,500 | 99 |
| Average earning assets | $10,116,555,000 | 99 |
| Average equity | $1,781,668,000 | 78 |
| Average total loans | $6,642,277,000 | 104 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9399% | 3,157 |
| Cost of funding earning assets | 0.6481% | 5,837 |
| Net interest margin | 4.2917% | 1,723 |
| Noninterest income to average assets | 0.4176% | 4,473 |
| Noninterest expense to average assets | 2.6605% | 4,886 |
| Loan and lease loss provision to assets | 0.5377% | 1,954 |
| Net operating income to assets | 0.6590% | 3,697 |
| Return on assets (ROA) | 0.7016% | 3,669 |
| Pretax return on assets | 1.0539% | 3,021 |
| Return on Equity (ROE) | 4.6851% | 4,534 |
| Retained earnings to average equity (ytd only) | 3.6775% | 3,596 |
| Net charge-offs to loans | 0.8448% | 2,047 |
| Credit loss provision to net charge-offs | 113.0384% | 2,919 |
| Earnings coverage of net charge-offs (x) | 3.2124% | 3,613 |
| Efficiency ratio | 62.4999% | 5,381 |
| Assets per employee ($millions) | 5.1249% | 2,026 |
| Cash dividends to net income (ytd only)* | 21.5056% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 4,359 |
| Loan loss allowance to noncurrent loans | 72.4828% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.5563% | 3,614 |
| Noncurrent loans to loans | 1.9636% | 3,254 |
| Net loans and leases to total assets | 56.3853% | 4,637 |
| Net loans and leases to deposits | 69.8775% | 4,123 |
| Net loans and leases to core deposits | 80.5862% | 3,374 |
| Total domestic deposits to total assets | 80.6917% | 5,545 |
| Equity capital to assets | 15.3332% | 712 |
| Core capital (leverage) ratio | 9.7811% | 3,633 |
| Tier 1 risk-based capital ratio | 14.2762% | 4,127 |
| Total risk-based capital ratio | 15.5264% | 4,092 |
| Memoranda: | ||
| Average total assets | $11,598,217,400 | 93 |
| Average earning assets | $10,190,707,400 | 94 |
| Average equity | $1,736,870,400 | 78 |
| Average total loans | $6,530,019,000 | 99 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 3,188 |
| Cost of funding earning assets | 0.6886% | 5,833 |
| Net interest margin | 4.2912% | 1,752 |
| Noninterest income to average assets | 0.4141% | 4,553 |
| Noninterest expense to average assets | 2.6342% | 4,957 |
| Loan and lease loss provision to assets | 0.6319% | 1,547 |
| Net operating income to assets | 0.6114% | 4,033 |
| Return on assets (ROA) | 0.6676% | 3,957 |
| Pretax return on assets | 1.0045% | 3,380 |
| Return on Equity (ROE) | 4.4846% | 4,772 |
| Retained earnings to average equity (ytd only) | 3.7131% | 4,103 |
| Net charge-offs to loans | 0.9946% | 1,620 |
| Credit loss provision to net charge-offs | 113.2985% | 2,886 |
| Earnings coverage of net charge-offs (x) | 2.7812% | 3,741 |
| Efficiency ratio | 61.9156% | 5,421 |
| Assets per employee ($millions) | 5.3299% | 1,774 |
| Cash dividends to net income (ytd only)* | 17.2043% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 4,432 |
| Loan loss allowance to noncurrent loans | 62.4653% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.7412% | 3,489 |
| Noncurrent loans to loans | 2.2843% | 3,017 |
| Net loans and leases to total assets | 55.2710% | 4,962 |
| Net loans and leases to deposits | 68.2903% | 4,554 |
| Net loans and leases to core deposits | 79.4193% | 3,720 |
| Total domestic deposits to total assets | 80.9353% | 5,458 |
| Equity capital to assets | 15.0025% | 848 |
| Core capital (leverage) ratio | 9.5293% | 4,108 |
| Tier 1 risk-based capital ratio | 14.2255% | 4,182 |
| Total risk-based capital ratio | 15.4759% | 4,144 |
| Memoranda: | ||
| Average total assets | $11,608,600,750 | 94 |
| Average earning assets | $10,202,259,500 | 94 |
| Average equity | $1,728,087,000 | 78 |
| Average total loans | $6,509,935,500 | 99 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0090% | 3,117 |
| Cost of funding earning assets | 0.7000% | 5,959 |
| Net interest margin | 4.3090% | 1,621 |
| Noninterest income to average assets | 0.3901% | 4,758 |
| Noninterest expense to average assets | 2.6497% | 5,007 |
| Loan and lease loss provision to assets | 0.7184% | 1,308 |
| Net operating income to assets | 0.5340% | 4,357 |
| Return on assets (ROA) | 0.5981% | 4,211 |
| Pretax return on assets | 0.9018% | 3,610 |
| Return on Equity (ROE) | 4.0282% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.4454% | 4,064 |
| Net charge-offs to loans | 1.0681% | 1,475 |
| Credit loss provision to net charge-offs | 119.9353% | 2,552 |
| Earnings coverage of net charge-offs (x) | 2.5430% | 3,556 |
| Efficiency ratio | 62.4602% | 5,509 |
| Assets per employee ($millions) | 5.3220% | 1,731 |
| Cash dividends to net income (ytd only)* | 14.4680% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 4,027 |
| Loan loss allowance to noncurrent loans | 59.9924% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.0018% | 3,230 |
| Noncurrent loans to loans | 2.5371% | 2,849 |
| Net loans and leases to total assets | 55.8269% | 5,023 |
| Net loans and leases to deposits | 68.9985% | 4,566 |
| Net loans and leases to core deposits | 80.8149% | 3,673 |
| Total domestic deposits to total assets | 80.9102% | 5,553 |
| Equity capital to assets | 15.1777% | 773 |
| Core capital (leverage) ratio | 9.5163% | 3,935 |
| Tier 1 risk-based capital ratio | 14.1007% | 4,096 |
| Total risk-based capital ratio | 15.3522% | 4,063 |
| Memoranda: | ||
| Average total assets | $11,557,085,000 | 96 |
| Average earning assets | $10,145,734,670 | 95 |
| Average equity | $1,715,862,330 | 79 |
| Average total loans | $6,481,341,000 | 102 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9191% | 3,491 |
| Cost of funding earning assets | 0.7168% | 6,044 |
| Net interest margin | 4.2023% | 1,883 |
| Noninterest income to average assets | 0.5214% | 3,715 |
| Noninterest expense to average assets | 2.6509% | 5,031 |
| Loan and lease loss provision to assets | 0.7685% | 1,114 |
| Net operating income to assets | 0.5247% | 4,383 |
| Return on assets (ROA) | 0.5242% | 4,469 |
| Pretax return on assets | 0.7897% | 3,938 |
| Return on Equity (ROE) | 3.5697% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.5697% | 4,044 |
| Net charge-offs to loans | 1.1810% | 1,179 |
| Credit loss provision to net charge-offs | 116.6518% | 2,323 |
| Earnings coverage of net charge-offs (x) | 2.3665% | 3,134 |
| Efficiency ratio | 61.9439% | 5,690 |
| Assets per employee ($millions) | 5.3284% | 1,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 4,030 |
| Loan loss allowance to noncurrent loans | 53.8661% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.1240% | 3,161 |
| Noncurrent loans to loans | 2.8480% | 2,647 |
| Net loans and leases to total assets | 54.8112% | 5,191 |
| Net loans and leases to deposits | 67.2020% | 4,802 |
| Net loans and leases to core deposits | 78.8311% | 3,920 |
| Total domestic deposits to total assets | 81.5619% | 5,473 |
| Equity capital to assets | 14.8317% | 803 |
| Core capital (leverage) ratio | 9.2956% | 4,127 |
| Tier 1 risk-based capital ratio | 14.0745% | 4,024 |
| Total risk-based capital ratio | 15.3261% | 4,000 |
| Memoranda: | ||
| Average total assets | $11,606,444,500 | 96 |
| Average earning assets | $10,187,224,000 | 95 |
| Average equity | $1,704,233,500 | 79 |
| Average total loans | $6,474,151,000 | 101 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2305% | 3,459 |
| Cost of funding earning assets | 0.9227% | 6,063 |
| Net interest margin | 4.3078% | 1,796 |
| Noninterest income to average assets | 0.4635% | 4,419 |
| Noninterest expense to average assets | 2.7624% | 4,732 |
| Loan and lease loss provision to assets | 1.1022% | 1,449 |
| Net operating income to assets | 0.2792% | 5,006 |
| Return on assets (ROA) | 0.2934% | 5,122 |
| Pretax return on assets | 0.3664% | 5,041 |
| Return on Equity (ROE) | 1.9053% | 5,423 |
| Retained earnings to average equity (ytd only) | 1.9053% | 4,533 |
| Net charge-offs to loans | 1.8458% | 1,129 |
| Credit loss provision to net charge-offs | 99.5101% | 4,650 |
| Earnings coverage of net charge-offs (x) | 1.3099% | 4,794 |
| Efficiency ratio | 64.3786% | 5,285 |
| Assets per employee ($millions) | 5.3393% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 3,703 |
| Loan loss allowance to noncurrent loans | 54.9893% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 2.1316% | 3,172 |
| Noncurrent loans to loans | 2.8528% | 2,670 |
| Net loans and leases to total assets | 55.0181% | 5,485 |
| Net loans and leases to deposits | 67.0796% | 5,239 |
| Net loans and leases to core deposits | 79.3836% | 4,293 |
| Total domestic deposits to total assets | 82.0191% | 5,182 |
| Equity capital to assets | 14.5368% | 893 |
| Core capital (leverage) ratio | 9.0426% | 4,467 |
| Tier 1 risk-based capital ratio | 14.0212% | 3,859 |
| Total risk-based capital ratio | 15.2737% | 3,823 |
| Memoranda: | ||
| Average total assets | $10,780,221,400 | 102 |
| Average earning assets | $9,383,903,800 | 103 |
| Average equity | $1,659,908,000 | 78 |
| Average total loans | $6,468,935,800 | 103 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2304% | 3,682 |
| Cost of funding earning assets | 0.9415% | 6,219 |
| Net interest margin | 4.2890% | 1,882 |
| Noninterest income to average assets | 0.5614% | 3,705 |
| Noninterest expense to average assets | 2.7544% | 4,669 |
| Loan and lease loss provision to assets | 1.2219% | 1,165 |
| Net operating income to assets | 0.2690% | 5,286 |
| Return on assets (ROA) | 0.2910% | 5,372 |
| Pretax return on assets | 0.3354% | 5,413 |
| Return on Equity (ROE) | 1.8611% | 5,659 |
| Retained earnings to average equity (ytd only) | 1.8611% | 5,030 |
| Net charge-offs to loans | 1.9756% | 961 |
| Credit loss provision to net charge-offs | 101.1583% | 4,267 |
| Earnings coverage of net charge-offs (x) | 1.2684% | 4,808 |
| Efficiency ratio | 63.0697% | 5,423 |
| Assets per employee ($millions) | 5.3584% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 3,373 |
| Loan loss allowance to noncurrent loans | 59.4831% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 2.1179% | 3,308 |
| Noncurrent loans to loans | 2.7551% | 2,883 |
| Net loans and leases to total assets | 56.2912% | 5,507 |
| Net loans and leases to deposits | 68.7433% | 5,318 |
| Net loans and leases to core deposits | 80.9125% | 4,395 |
| Total domestic deposits to total assets | 81.8861% | 5,040 |
| Equity capital to assets | 14.7293% | 960 |
| Core capital (leverage) ratio | 9.3874% | 4,076 |
| Tier 1 risk-based capital ratio | 13.8776% | 3,934 |
| Total risk-based capital ratio | 15.1311% | 3,899 |
| Memoranda: | ||
| Average total assets | $10,558,695,250 | 102 |
| Average earning assets | $9,170,586,000 | 104 |
| Average equity | $1,650,906,500 | 78 |
| Average total loans | $6,455,948,750 | 102 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0847% | 4,535 |
| Cost of funding earning assets | 0.9466% | 6,392 |
| Net interest margin | 4.1381% | 2,389 |
| Noninterest income to average assets | 0.7207% | 2,571 |
| Noninterest expense to average assets | 2.6563% | 5,094 |
| Loan and lease loss provision to assets | 1.4043% | 956 |
| Net operating income to assets | 0.2538% | 5,364 |
| Return on assets (ROA) | 0.2482% | 5,522 |
| Pretax return on assets | 0.2454% | 5,669 |
| Return on Equity (ROE) | 1.5533% | 5,782 |
| Retained earnings to average equity (ytd only) | 1.5533% | 5,086 |
| Net charge-offs to loans | 2.0476% | 883 |
| Credit loss provision to net charge-offs | 109.5358% | 3,721 |
| Earnings coverage of net charge-offs (x) | 1.2911% | 4,536 |
| Efficiency ratio | 60.3959% | 5,978 |
| Assets per employee ($millions) | 5.2336% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 3,007 |
| Loan loss allowance to noncurrent loans | 45.5941% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 2.8068% | 2,575 |
| Noncurrent loans to loans | 3.7673% | 2,057 |
| Net loans and leases to total assets | 60.2231% | 5,013 |
| Net loans and leases to deposits | 74.8523% | 4,536 |
| Net loans and leases to core deposits | 88.3595% | 3,504 |
| Total domestic deposits to total assets | 80.4559% | 5,575 |
| Equity capital to assets | 15.6347% | 736 |
| Core capital (leverage) ratio | 9.9032% | 3,280 |
| Tier 1 risk-based capital ratio | 13.8849% | 3,812 |
| Total risk-based capital ratio | 15.1397% | 3,771 |
| Memoranda: | ||
| Average total assets | $10,236,305,330 | 103 |
| Average earning assets | $8,882,746,670 | 105 |
| Average equity | $1,635,315,670 | 78 |
| Average total loans | $6,409,217,330 | 103 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0547% | 4,761 |
| Cost of funding earning assets | 0.9473% | 6,592 |
| Net interest margin | 4.1074% | 2,408 |
| Noninterest income to average assets | 0.8446% | 1,831 |
| Noninterest expense to average assets | 2.5739% | 5,459 |
| Loan and lease loss provision to assets | 1.6939% | 670 |
| Net operating income to assets | 0.3218% | 5,201 |
| Return on assets (ROA) | 0.3103% | 5,383 |
| Pretax return on assets | 0.1512% | 6,021 |
| Return on Equity (ROE) | 1.9200% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.9200% | 4,978 |
| Net charge-offs to loans | 2.4757% | 665 |
| Credit loss provision to net charge-offs | 108.0223% | 3,187 |
| Earnings coverage of net charge-offs (x) | 1.1840% | 4,059 |
| Efficiency ratio | 56.9072% | 6,643 |
| Assets per employee ($millions) | 5.1762% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6881% | 3,107 |
| Loan loss allowance to noncurrent loans | 49.1528% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 2.4102% | 3,021 |
| Noncurrent loans to loans | 3.4344% | 2,318 |
| Net loans and leases to total assets | 61.4023% | 4,874 |
| Net loans and leases to deposits | 77.1435% | 4,192 |
| Net loans and leases to core deposits | 91.8780% | 3,120 |
| Total domestic deposits to total assets | 79.5950% | 5,915 |
| Equity capital to assets | 15.9674% | 675 |
| Core capital (leverage) ratio | 10.3943% | 2,723 |
| Tier 1 risk-based capital ratio | 13.7733% | 3,813 |
| Total risk-based capital ratio | 15.0276% | 3,765 |
| Memoranda: | ||
| Average total assets | $9,942,869,500 | 107 |
| Average earning assets | $8,680,568,000 | 109 |
| Average equity | $1,606,887,500 | 77 |
| Average total loans | $6,297,845,000 | 105 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4813% | 4,246 |
| Cost of funding earning assets | 1.2152% | 6,608 |
| Net interest margin | 4.2661% | 1,835 |
| Noninterest income to average assets | 0.3983% | 5,217 |
| Noninterest expense to average assets | 3.8560% | 1,578 |
| Loan and lease loss provision to assets | 2.3439% | 867 |
| Net operating income to assets | -1.6671% | 6,946 |
| Return on assets (ROA) | -1.6829% | 6,957 |
| Pretax return on assets | -2.1122% | 6,981 |
| Return on Equity (ROE) | -9.7025% | 6,601 |
| Retained earnings to average equity (ytd only) | -10.8657% | 6,588 |
| Net charge-offs to loans | 3.2302% | 632 |
| Credit loss provision to net charge-offs | 105.9757% | 5,229 |
| Earnings coverage of net charge-offs (x) | 0.1137% | 6,044 |
| Efficiency ratio | 61.6477% | 6,210 |
| Assets per employee ($millions) | 5.2954% | 1,840 |
| Cash dividends to net income (ytd only)* | -11.9886% | 7,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7845% | 2,601 |
| Loan loss allowance to noncurrent loans | 54.0914% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 2.3842% | 2,918 |
| Noncurrent loans to loans | 3.2990% | 2,315 |
| Net loans and leases to total assets | 63.1824% | 4,774 |
| Net loans and leases to deposits | 77.3287% | 4,498 |
| Net loans and leases to core deposits | 97.7920% | 4,248 |
| Total domestic deposits to total assets | 81.7063% | 5,062 |
| Equity capital to assets | 16.3783% | 645 |
| Core capital (leverage) ratio | 9.8113% | 3,310 |
| Tier 1 risk-based capital ratio | 12.2072% | 4,766 |
| Total risk-based capital ratio | 13.4610% | 4,722 |
| Memoranda: | ||
| Average total assets | $8,921,938,400 | 117 |
| Average earning assets | $7,757,041,800 | 116 |
| Average equity | $1,547,470,800 | 75 |
| Average total loans | $6,108,936,200 | 108 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5380% | 4,228 |
| Cost of funding earning assets | 1.2762% | 6,637 |
| Net interest margin | 4.2618% | 1,836 |
| Noninterest income to average assets | 0.4560% | 4,862 |
| Noninterest expense to average assets | 4.2996% | 914 |
| Loan and lease loss provision to assets | 2.1273% | 821 |
| Net operating income to assets | -1.9082% | 7,278 |
| Return on assets (ROA) | -1.9229% | 7,287 |
| Pretax return on assets | -2.2912% | 7,282 |
| Return on Equity (ROE) | -10.9244% | 6,954 |
| Retained earnings to average equity (ytd only) | -12.4724% | 6,973 |
| Net charge-offs to loans | 2.8994% | 596 |
| Credit loss provision to net charge-offs | 105.4563% | 4,820 |
| Earnings coverage of net charge-offs (x) | -0.0726% | 6,152 |
| Efficiency ratio | 61.2474% | 6,231 |
| Assets per employee ($millions) | 5.2457% | 1,843 |
| Cash dividends to net income (ytd only)* | -14.1702% | 7,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 2,655 |
| Loan loss allowance to noncurrent loans | 79.7482% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.6958% | 3,834 |
| Noncurrent loans to loans | 2.1220% | 3,482 |
| Net loans and leases to total assets | 65.1187% | 4,625 |
| Net loans and leases to deposits | 79.8854% | 4,406 |
| Net loans and leases to core deposits | 101.6825% | 4,187 |
| Total domestic deposits to total assets | 81.5152% | 4,872 |
| Equity capital to assets | 16.4663% | 713 |
| Core capital (leverage) ratio | 10.0427% | 3,238 |
| Tier 1 risk-based capital ratio | 11.9553% | 5,015 |
| Total risk-based capital ratio | 13.2079% | 4,946 |
| Memoranda: | ||
| Average total assets | $8,807,892,250 | 123 |
| Average earning assets | $7,640,902,500 | 122 |
| Average equity | $1,550,343,250 | 78 |
| Average total loans | $6,127,924,500 | 114 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6092% | 4,024 |
| Cost of funding earning assets | 1.3326% | 6,699 |
| Net interest margin | 4.2766% | 1,719 |
| Noninterest income to average assets | 0.5590% | 3,968 |
| Noninterest expense to average assets | 5.2446% | 442 |
| Loan and lease loss provision to assets | 2.0381% | 796 |
| Net operating income to assets | -2.7689% | 7,622 |
| Return on assets (ROA) | -2.7965% | 7,625 |
| Pretax return on assets | -3.0652% | 7,586 |
| Return on Equity (ROE) | -15.5332% | 7,357 |
| Retained earnings to average equity (ytd only) | -17.0696% | 7,349 |
| Net charge-offs to loans | 2.7991% | 589 |
| Credit loss provision to net charge-offs | 102.9156% | 4,451 |
| Earnings coverage of net charge-offs (x) | -0.5034% | 6,074 |
| Efficiency ratio | 61.2403% | 6,360 |
| Assets per employee ($millions) | 4.9790% | 2,100 |
| Cash dividends to net income (ytd only)* | -9.8910% | 7,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 2,743 |
| Loan loss allowance to noncurrent loans | 86.3402% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.7330% | 3,584 |
| Noncurrent loans to loans | 1.8535% | 3,727 |
| Net loans and leases to total assets | 69.8956% | 3,727 |
| Net loans and leases to deposits | 87.9084% | 3,190 |
| Net loans and leases to core deposits | 109.3453% | 3,450 |
| Total domestic deposits to total assets | 79.5096% | 5,641 |
| Equity capital to assets | 17.0868% | 652 |
| Core capital (leverage) ratio | 10.2250% | 3,065 |
| Tier 1 risk-based capital ratio | 11.6318% | 5,259 |
| Total risk-based capital ratio | 12.8836% | 5,196 |
| Memoranda: | ||
| Average total assets | $8,676,883,670 | 130 |
| Average earning assets | $7,484,243,670 | 129 |
| Average equity | $1,562,108,000 | 80 |
| Average total loans | $6,139,014,000 | 119 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6195% | 4,240 |
| Cost of funding earning assets | 1.4180% | 6,669 |
| Net interest margin | 4.2014% | 1,898 |
| Noninterest income to average assets | 0.5036% | 4,296 |
| Noninterest expense to average assets | 2.5525% | 5,640 |
| Loan and lease loss provision to assets | 2.7205% | 410 |
| Net operating income to assets | -0.6238% | 6,985 |
| Return on assets (ROA) | -0.6228% | 7,027 |
| Pretax return on assets | -1.1619% | 7,234 |
| Return on Equity (ROE) | -3.3736% | 6,822 |
| Retained earnings to average equity (ytd only) | -4.8700% | 6,535 |
| Net charge-offs to loans | 3.9035% | 312 |
| Credit loss provision to net charge-offs | 98.6989% | 3,830 |
| Earnings coverage of net charge-offs (x) | 0.5648% | 4,541 |
| Efficiency ratio | 60.5875% | 6,311 |
| Assets per employee ($millions) | 4.9904% | 2,082 |
| Cash dividends to net income (ytd only)* | -44.3557% | 8,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 2,702 |
| Loan loss allowance to noncurrent loans | 75.0310% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.8170% | 3,192 |
| Noncurrent loans to loans | 2.0719% | 3,164 |
| Net loans and leases to total assets | 68.5962% | 3,999 |
| Net loans and leases to deposits | 87.7608% | 3,324 |
| Net loans and leases to core deposits | 108.3237% | 3,635 |
| Total domestic deposits to total assets | 78.1627% | 5,954 |
| Equity capital to assets | 18.1829% | 586 |
| Core capital (leverage) ratio | 10.5820% | 2,838 |
| Tier 1 risk-based capital ratio | 11.8120% | 5,114 |
| Total risk-based capital ratio | 13.0632% | 5,025 |
| Memoranda: | ||
| Average total assets | $8,688,552,500 | 130 |
| Average earning assets | $7,456,796,000 | 131 |
| Average equity | $1,603,856,500 | 77 |
| Average total loans | $6,135,111,000 | 120 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2312% | 4,348 |
| Cost of funding earning assets | 1.9468% | 6,583 |
| Net interest margin | 4.2843% | 2,036 |
| Noninterest income to average assets | 0.5738% | 4,058 |
| Noninterest expense to average assets | 2.3656% | 6,516 |
| Loan and lease loss provision to assets | 1.2838% | 1,110 |
| Net operating income to assets | 0.4267% | 5,046 |
| Return on assets (ROA) | 0.4410% | 4,811 |
| Pretax return on assets | 0.5840% | 4,745 |
| Return on Equity (ROE) | 2.4976% | 5,418 |
| Retained earnings to average equity (ytd only) | -1.0473% | 5,617 |
| Net charge-offs to loans | 1.4195% | 827 |
| Credit loss provision to net charge-offs | 124.0187% | 4,323 |
| Earnings coverage of net charge-offs (x) | 1.7862% | 5,181 |
| Efficiency ratio | 54.4718% | 7,219 |
| Assets per employee ($millions) | 5.2210% | 1,709 |
| Cash dividends to net income (ytd only)* | 141.9341% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 2,414 |
| Loan loss allowance to noncurrent loans | 71.8811% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.8754% | 2,625 |
| Noncurrent loans to loans | 2.1672% | 2,546 |
| Net loans and leases to total assets | 70.4480% | 3,913 |
| Net loans and leases to deposits | 90.8700% | 3,305 |
| Net loans and leases to core deposits | 111.4756% | 3,617 |
| Total domestic deposits to total assets | 77.5261% | 5,867 |
| Equity capital to assets | 18.7417% | 575 |
| Core capital (leverage) ratio | 11.1310% | 2,485 |
| Tier 1 risk-based capital ratio | 11.9978% | 4,833 |
| Total risk-based capital ratio | 13.2492% | 4,711 |
| Memoranda: | ||
| Average total assets | $8,387,358,000 | 127 |
| Average earning assets | $7,127,469,400 | 134 |
| Average equity | $1,480,988,400 | 78 |
| Average total loans | $6,116,673,400 | 118 |