Home > Valley National Bank > Performance and Condition Ratios
Valley National 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 | 5.6525% | 982 |
| Cost of funding earning assets | 2.5609% | 324 |
| Net interest margin | 3.0916% | 3,111 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.8916% | 3,850 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.8761% | 2,615 |
| Return on assets (ROA) | 0.8768% | 2,585 |
| Pretax return on assets | 1.1883% | 2,175 |
| Return on Equity (ROE) | 7.4000% | 3,187 |
| Retained earnings to average equity (ytd only) | 1.5306% | 3,701 |
| Net charge-offs to loans | 0.1260% | 783 |
| Credit loss provision to net charge-offs | 81.9131% | 2,006 |
| Earnings coverage of net charge-offs (x) | 12.5230% | 2,146 |
| Efficiency ratio | 57.7861% | 3,318 |
| Assets per employee ($millions) | 16.3695% | 165 |
| Cash dividends to net income (ytd only)* | 79.3109% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 3,754 |
| Loan loss allowance to noncurrent loans | 146.2481% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.5006% | 1,123 |
| Noncurrent loans to loans | 0.6071% | 1,297 |
| Net loans and leases to total assets | 81.7100% | 458 |
| Net loans and leases to deposits | 100.7257% | 500 |
| Net loans and leases to core deposits | 126.4427% | 474 |
| Total domestic deposits to total assets | 81.1200% | 3,289 |
| Equity capital to assets | 11.9483% | 1,142 |
| Core capital (leverage) ratio | 9.1402% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6363% | 2,678 |
| Memoranda: | ||
| Average total assets | $61,119,351,800 | 40 |
| Average earning assets | $55,531,055,800 | 39 |
| Average equity | $7,243,143,600 | 36 |
| Average total loans | $49,179,016,400 | 34 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5706% | 939 |
| Cost of funding earning assets | 2.4334% | 310 |
| Net interest margin | 3.1372% | 3,062 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.7820% | 4,012 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.9938% | 2,380 |
| Return on assets (ROA) | 0.9925% | 2,371 |
| Pretax return on assets | 1.3648% | 1,860 |
| Return on Equity (ROE) | 8.3900% | 3,093 |
| Retained earnings to average equity (ytd only) | 1.9406% | 3,733 |
| Net charge-offs to loans | 0.1212% | 665 |
| Credit loss provision to net charge-offs | 66.0183% | 1,827 |
| Earnings coverage of net charge-offs (x) | 14.7617% | 1,986 |
| Efficiency ratio | 53.4261% | 3,636 |
| Assets per employee ($millions) | 16.1910% | 158 |
| Cash dividends to net income (ytd only)* | 76.8754% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 3,788 |
| Loan loss allowance to noncurrent loans | 162.9850% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 1,314 |
| Noncurrent loans to loans | 0.5412% | 1,474 |
| Net loans and leases to total assets | 81.2100% | 511 |
| Net loans and leases to deposits | 99.2417% | 549 |
| Net loans and leases to core deposits | 131.4480% | 324 |
| Total domestic deposits to total assets | 81.8300% | 3,244 |
| Equity capital to assets | 11.8013% | 1,091 |
| Core capital (leverage) ratio | 9.0700% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5905% | 2,712 |
| Memoranda: | ||
| Average total assets | $61,163,238,250 | 41 |
| Average earning assets | $55,544,618,250 | 40 |
| Average equity | $7,233,485,000 | 37 |
| Average total loans | $48,913,536,750 | 35 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4244% | 930 |
| Cost of funding earning assets | 2.2535% | 306 |
| Net interest margin | 3.1708% | 3,056 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.8037% | 3,992 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.9938% | 2,438 |
| Return on assets (ROA) | 0.9944% | 2,427 |
| Pretax return on assets | 1.3694% | 1,889 |
| Return on Equity (ROE) | 8.4000% | 3,143 |
| Retained earnings to average equity (ytd only) | 4.2575% | 3,141 |
| Net charge-offs to loans | 0.1608% | 487 |
| Credit loss provision to net charge-offs | 46.5160% | 1,686 |
| Earnings coverage of net charge-offs (x) | 11.2577% | 1,971 |
| Efficiency ratio | 53.6350% | 3,643 |
| Assets per employee ($millions) | 15.8168% | 162 |
| Cash dividends to net income (ytd only)* | 49.3299% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 3,849 |
| Loan loss allowance to noncurrent loans | 162.1863% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 1,216 |
| Noncurrent loans to loans | 0.5392% | 1,381 |
| Net loans and leases to total assets | 80.1800% | 611 |
| Net loans and leases to deposits | 99.3776% | 548 |
| Net loans and leases to core deposits | 131.9513% | 301 |
| Total domestic deposits to total assets | 80.6900% | 3,473 |
| Equity capital to assets | 11.8421% | 1,090 |
| Core capital (leverage) ratio | 9.0811% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7039% | 2,711 |
| Memoranda: | ||
| Average total assets | $61,155,697,333 | 41 |
| Average earning assets | $55,589,346,667 | 41 |
| Average equity | $7,237,733,000 | 37 |
| Average total loans | $48,507,598,000 | 35 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2020% | 950 |
| Cost of funding earning assets | 1.9612% | 324 |
| Net interest margin | 3.2408% | 3,016 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 1.7728% | 4,072 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.0189% | 2,470 |
| Return on assets (ROA) | 1.0203% | 2,431 |
| Pretax return on assets | 1.4171% | 1,843 |
| Return on Equity (ROE) | 8.6200% | 3,152 |
| Retained earnings to average equity (ytd only) | 4.4593% | 3,139 |
| Net charge-offs to loans | 0.2541% | 297 |
| Credit loss provision to net charge-offs | 32.8602% | 1,344 |
| Earnings coverage of net charge-offs (x) | 7.5864% | 1,750 |
| Efficiency ratio | 51.8450% | 3,791 |
| Assets per employee ($millions) | 16.6445% | 149 |
| Cash dividends to net income (ytd only)* | 48.2924% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 3,860 |
| Loan loss allowance to noncurrent loans | 168.1761% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 1,272 |
| Noncurrent loans to loans | 0.5337% | 1,386 |
| Net loans and leases to total assets | 75.0100% | 1,079 |
| Net loans and leases to deposits | 101.0034% | 396 |
| Net loans and leases to core deposits | 123.8314% | 367 |
| Total domestic deposits to total assets | 74.2600% | 4,270 |
| Equity capital to assets | 11.2791% | 1,235 |
| Core capital (leverage) ratio | 9.2482% | 3,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7533% | 2,799 |
| Memoranda: | ||
| Average total assets | $60,882,972,000 | 44 |
| Average earning assets | $55,380,866,500 | 44 |
| Average equity | $7,203,247,500 | 40 |
| Average total loans | $47,806,251,000 | 38 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 1,083 |
| Cost of funding earning assets | 0.6251% | 807 |
| Net interest margin | 3.6560% | 1,483 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.9934% | 3,592 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.1899% | 1,811 |
| Return on assets (ROA) | 1.1874% | 1,757 |
| Pretax return on assets | 1.6289% | 1,082 |
| Return on Equity (ROE) | 9.2900% | 3,035 |
| Retained earnings to average equity (ytd only) | 2.8368% | 3,762 |
| Net charge-offs to loans | 0.0465% | 1,226 |
| Credit loss provision to net charge-offs | 252.5181% | 993 |
| Earnings coverage of net charge-offs (x) | 46.0655% | 1,413 |
| Efficiency ratio | 51.5803% | 4,020 |
| Assets per employee ($millions) | 15.2716% | 194 |
| Cash dividends to net income (ytd only)* | 69.4502% | 680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 3,483 |
| Loan loss allowance to noncurrent loans | 154.7691% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5163% | 985 |
| Noncurrent loans to loans | 0.6314% | 1,171 |
| Net loans and leases to total assets | 80.9000% | 510 |
| Net loans and leases to deposits | 97.2670% | 572 |
| Net loans and leases to core deposits | 115.4458% | 457 |
| Total domestic deposits to total assets | 83.1700% | 3,383 |
| Equity capital to assets | 12.4495% | 818 |
| Core capital (leverage) ratio | 9.6041% | 3,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8420% | 2,777 |
| Memoranda: | ||
| Average total assets | $50,931,627,000 | 50 |
| Average earning assets | $46,172,142,400 | 48 |
| Average equity | $6,512,670,000 | 43 |
| Average total loans | $41,088,298,000 | 42 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9687% | 1,332 |
| Cost of funding earning assets | 0.3575% | 1,643 |
| Net interest margin | 3.6112% | 1,367 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.0239% | 3,419 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.1327% | 1,964 |
| Return on assets (ROA) | 1.1300% | 1,939 |
| Pretax return on assets | 1.5477% | 1,279 |
| Return on Equity (ROE) | 8.7700% | 3,096 |
| Retained earnings to average equity (ytd only) | 0.6896% | 4,260 |
| Net charge-offs to loans | -0.0112% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.8469% | 3,933 |
| Assets per employee ($millions) | 14.9853% | 208 |
| Cash dividends to net income (ytd only)* | 92.1372% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0527% | 3,235 |
| Loan loss allowance to noncurrent loans | 146.5993% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5808% | 914 |
| Noncurrent loans to loans | 0.7181% | 1,136 |
| Net loans and leases to total assets | 79.9600% | 532 |
| Net loans and leases to deposits | 98.3052% | 439 |
| Net loans and leases to core deposits | 109.8806% | 471 |
| Total domestic deposits to total assets | 81.3400% | 3,928 |
| Equity capital to assets | 12.5165% | 766 |
| Core capital (leverage) ratio | 9.6892% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9875% | 2,818 |
| Memoranda: | ||
| Average total assets | $49,301,620,500 | 52 |
| Average earning assets | $44,686,298,750 | 50 |
| Average equity | $6,352,728,250 | 46 |
| Average total loans | $39,626,543,000 | 45 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 1,510 |
| Cost of funding earning assets | 0.2108% | 2,768 |
| Net interest margin | 3.4993% | 1,314 |
| Noninterest income to average assets | 0.4203% | 2,626 |
| Noninterest expense to average assets | 2.0712% | 3,230 |
| Loan and lease loss provision to assets | 0.1780% | 492 |
| Net operating income to assets | 0.9929% | 2,187 |
| Return on assets (ROA) | 0.9900% | 2,163 |
| Pretax return on assets | 1.3455% | 1,597 |
| Return on Equity (ROE) | 7.5972% | 3,138 |
| Retained earnings to average equity (ytd only) | 0.7535% | 4,045 |
| Net charge-offs to loans | 0.0120% | 1,549 |
| Credit loss provision to net charge-offs | 1,831.1894% | 258 |
| Earnings coverage of net charge-offs (x) | 158.4106% | 617 |
| Efficiency ratio | 55.6978% | 3,805 |
| Assets per employee ($millions) | 14.5239% | 216 |
| Cash dividends to net income (ytd only)* | 90.0824% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0758% | 3,255 |
| Loan loss allowance to noncurrent loans | 142.0483% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 919 |
| Noncurrent loans to loans | 0.7573% | 1,136 |
| Net loans and leases to total assets | 79.1952% | 465 |
| Net loans and leases to deposits | 98.1646% | 339 |
| Net loans and leases to core deposits | 105.8731% | 456 |
| Total domestic deposits to total assets | 80.6759% | 4,173 |
| Equity capital to assets | 12.7168% | 717 |
| Core capital (leverage) ratio | 9.7394% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9393% | 2,831 |
| Memoranda: | ||
| Average total assets | $47,093,734,000 | 54 |
| Average earning assets | $42,770,507,333 | 51 |
| Average equity | $6,137,000,333 | 48 |
| Average total loans | $37,771,445,000 | 45 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4408% | 1,972 |
| Cost of funding earning assets | 0.1709% | 3,209 |
| Net interest margin | 3.2699% | 1,653 |
| Noninterest income to average assets | 0.3645% | 2,904 |
| Noninterest expense to average assets | 1.7982% | 3,944 |
| Loan and lease loss provision to assets | 0.0305% | 1,816 |
| Net operating income to assets | 1.1135% | 1,496 |
| Return on assets (ROA) | 1.1126% | 1,486 |
| Pretax return on assets | 1.5150% | 987 |
| Return on Equity (ROE) | 8.4105% | 2,548 |
| Retained earnings to average equity (ytd only) | 0.7507% | 3,867 |
| Net charge-offs to loans | -0.0006% | 2,982 |
| Credit loss provision to net charge-offs | -6,516.0000% | 3,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5452% | 4,157 |
| Assets per employee ($millions) | 12.7934% | 324 |
| Cash dividends to net income (ytd only)* | 91.0739% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,626 |
| Loan loss allowance to noncurrent loans | 149.8811% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5594% | 1,075 |
| Noncurrent loans to loans | 0.6824% | 1,391 |
| Net loans and leases to total assets | 80.7895% | 212 |
| Net loans and leases to deposits | 98.3907% | 219 |
| Net loans and leases to core deposits | 104.0719% | 395 |
| Total domestic deposits to total assets | 82.1110% | 4,060 |
| Equity capital to assets | 13.1977% | 652 |
| Core capital (leverage) ratio | 10.2192% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8822% | 2,647 |
| Memoranda: | ||
| Average total assets | $43,422,851,000 | 57 |
| Average earning assets | $39,579,073,500 | 56 |
| Average equity | $5,744,287,000 | 49 |
| Average total loans | $34,867,605,000 | 46 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5336% | 2,563 |
| Cost of funding earning assets | 0.2665% | 2,736 |
| Net interest margin | 3.2671% | 2,421 |
| Noninterest income to average assets | 0.3673% | 3,234 |
| Noninterest expense to average assets | 1.6645% | 4,345 |
| Loan and lease loss provision to assets | 0.0655% | 1,752 |
| Net operating income to assets | 1.1808% | 1,991 |
| Return on assets (ROA) | 1.1820% | 2,050 |
| Pretax return on assets | 1.6062% | 1,408 |
| Return on Equity (ROE) | 9.2078% | 2,824 |
| Retained earnings to average equity (ytd only) | 6.3968% | 2,177 |
| Net charge-offs to loans | 0.0457% | 1,372 |
| Credit loss provision to net charge-offs | 182.2863% | 1,357 |
| Earnings coverage of net charge-offs (x) | 46.0140% | 1,351 |
| Efficiency ratio | 48.3398% | 4,382 |
| Assets per employee ($millions) | 12.8857% | 324 |
| Cash dividends to net income (ytd only)* | 30.5284% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 3,581 |
| Loan loss allowance to noncurrent loans | 147.8277% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 1,171 |
| Noncurrent loans to loans | 0.7086% | 1,431 |
| Net loans and leases to total assets | 78.1442% | 372 |
| Net loans and leases to deposits | 95.0261% | 346 |
| Net loans and leases to core deposits | 101.4078% | 477 |
| Total domestic deposits to total assets | 82.2345% | 3,929 |
| Equity capital to assets | 13.2597% | 834 |
| Core capital (leverage) ratio | 10.5342% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4544% | 2,472 |
| Memoranda: | ||
| Average total assets | $41,570,157,800 | 56 |
| Average earning assets | $37,758,325,000 | 55 |
| Average equity | $5,336,154,200 | 49 |
| Average total loans | $33,022,160,800 | 44 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5552% | 2,683 |
| Cost of funding earning assets | 0.2954% | 2,639 |
| Net interest margin | 3.2598% | 2,549 |
| Noninterest income to average assets | 0.3748% | 3,233 |
| Noninterest expense to average assets | 1.6463% | 4,405 |
| Loan and lease loss provision to assets | 0.0572% | 1,843 |
| Net operating income to assets | 1.1928% | 2,192 |
| Return on assets (ROA) | 1.1944% | 2,244 |
| Pretax return on assets | 1.6302% | 1,604 |
| Return on Equity (ROE) | 9.3864% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.0923% | 2,381 |
| Net charge-offs to loans | 0.0641% | 1,003 |
| Credit loss provision to net charge-offs | 114.5348% | 1,487 |
| Earnings coverage of net charge-offs (x) | 33.0685% | 1,474 |
| Efficiency ratio | 47.7815% | 4,381 |
| Assets per employee ($millions) | 13.1384% | 295 |
| Cash dividends to net income (ytd only)* | 24.4405% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 3,687 |
| Loan loss allowance to noncurrent loans | 133.1842% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6324% | 1,199 |
| Noncurrent loans to loans | 0.7850% | 1,440 |
| Net loans and leases to total assets | 78.5137% | 370 |
| Net loans and leases to deposits | 96.1106% | 345 |
| Net loans and leases to core deposits | 104.3587% | 446 |
| Total domestic deposits to total assets | 81.6910% | 3,979 |
| Equity capital to assets | 13.2884% | 906 |
| Core capital (leverage) ratio | 10.2787% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5493% | 2,527 |
| Memoranda: | ||
| Average total assets | $41,106,493,000 | 57 |
| Average earning assets | $37,287,082,750 | 57 |
| Average equity | $5,230,694,000 | 52 |
| Average total loans | $32,704,407,750 | 47 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5743% | 2,704 |
| Cost of funding earning assets | 0.3306% | 2,482 |
| Net interest margin | 3.2437% | 2,626 |
| Noninterest income to average assets | 0.3661% | 3,272 |
| Noninterest expense to average assets | 1.6296% | 4,471 |
| Loan and lease loss provision to assets | 0.0688% | 1,674 |
| Net operating income to assets | 1.1806% | 2,261 |
| Return on assets (ROA) | 1.1798% | 2,329 |
| Pretax return on assets | 1.6094% | 1,710 |
| Return on Equity (ROE) | 9.4116% | 2,977 |
| Retained earnings to average equity (ytd only) | 5.9131% | 2,838 |
| Net charge-offs to loans | 0.0944% | 767 |
| Credit loss provision to net charge-offs | 94.0406% | 1,419 |
| Earnings coverage of net charge-offs (x) | 22.3463% | 1,488 |
| Efficiency ratio | 47.5633% | 4,421 |
| Assets per employee ($millions) | 13.1930% | 273 |
| Cash dividends to net income (ytd only)* | 37.1717% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 3,672 |
| Loan loss allowance to noncurrent loans | 150.3230% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 1,496 |
| Noncurrent loans to loans | 0.6921% | 1,696 |
| Net loans and leases to total assets | 78.1645% | 435 |
| Net loans and leases to deposits | 96.8300% | 358 |
| Net loans and leases to core deposits | 106.5853% | 455 |
| Total domestic deposits to total assets | 80.7234% | 4,123 |
| Equity capital to assets | 12.9918% | 945 |
| Core capital (leverage) ratio | 10.0661% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4830% | 2,552 |
| Memoranda: | ||
| Average total assets | $41,044,027,667 | 57 |
| Average earning assets | $37,234,846,333 | 57 |
| Average equity | $5,145,158,333 | 52 |
| Average total loans | $32,684,577,667 | 47 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 2,720 |
| Cost of funding earning assets | 0.3665% | 2,388 |
| Net interest margin | 3.2083% | 2,667 |
| Noninterest income to average assets | 0.3078% | 3,568 |
| Noninterest expense to average assets | 1.5635% | 4,584 |
| Loan and lease loss provision to assets | 0.0815% | 1,587 |
| Net operating income to assets | 1.1574% | 2,308 |
| Return on assets (ROA) | 1.1567% | 2,376 |
| Pretax return on assets | 1.5727% | 1,794 |
| Return on Equity (ROE) | 9.3995% | 2,893 |
| Retained earnings to average equity (ytd only) | 7.0163% | 2,572 |
| Net charge-offs to loans | 0.0740% | 829 |
| Credit loss provision to net charge-offs | 143.5508% | 996 |
| Earnings coverage of net charge-offs (x) | 27.9633% | 1,124 |
| Efficiency ratio | 46.7528% | 4,423 |
| Assets per employee ($millions) | 13.1705% | 273 |
| Cash dividends to net income (ytd only)* | 25.3543% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 3,689 |
| Loan loss allowance to noncurrent loans | 163.7331% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 1,821 |
| Noncurrent loans to loans | 0.6362% | 1,986 |
| Net loans and leases to total assets | 79.1481% | 389 |
| Net loans and leases to deposits | 99.6563% | 296 |
| Net loans and leases to core deposits | 111.2931% | 375 |
| Total domestic deposits to total assets | 79.4210% | 4,277 |
| Equity capital to assets | 12.3301% | 1,139 |
| Core capital (leverage) ratio | 9.4246% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9278% | 2,693 |
| Memoranda: | ||
| Average total assets | $40,918,951,000 | 57 |
| Average earning assets | $37,125,757,000 | 59 |
| Average equity | $5,035,312,000 | 54 |
| Average total loans | $32,718,511,500 | 48 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8488% | 3,169 |
| Cost of funding earning assets | 0.6983% | 1,724 |
| Net interest margin | 3.1505% | 3,495 |
| Noninterest income to average assets | 0.4596% | 2,821 |
| Noninterest expense to average assets | 1.6104% | 4,695 |
| Loan and lease loss provision to assets | 0.3119% | 1,195 |
| Net operating income to assets | 1.0148% | 2,241 |
| Return on assets (ROA) | 1.0161% | 2,375 |
| Pretax return on assets | 1.3752% | 1,741 |
| Return on Equity (ROE) | 8.5270% | 2,585 |
| Retained earnings to average equity (ytd only) | 4.6184% | 2,469 |
| Net charge-offs to loans | 0.1203% | 1,291 |
| Credit loss provision to net charge-offs | 326.3768% | 1,652 |
| Earnings coverage of net charge-offs (x) | 17.7283% | 2,063 |
| Efficiency ratio | 46.9875% | 4,674 |
| Assets per employee ($millions) | 12.8939% | 270 |
| Cash dividends to net income (ytd only)* | 45.8378% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0463% | 3,699 |
| Loan loss allowance to noncurrent loans | 171.1286% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 2,059 |
| Noncurrent loans to loans | 0.6114% | 2,166 |
| Net loans and leases to total assets | 79.1008% | 495 |
| Net loans and leases to deposits | 100.3509% | 365 |
| Net loans and leases to core deposits | 116.2226% | 363 |
| Total domestic deposits to total assets | 78.8242% | 4,222 |
| Equity capital to assets | 12.2807% | 1,433 |
| Core capital (leverage) ratio | 9.0675% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7639% | 2,708 |
| Memoranda: | ||
| Average total assets | $39,934,398,800 | 56 |
| Average earning assets | $35,951,901,600 | 55 |
| Average equity | $4,758,764,200 | 56 |
| Average total loans | $31,568,168,200 | 47 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9155% | 3,203 |
| Cost of funding earning assets | 0.7796% | 1,589 |
| Net interest margin | 3.1359% | 3,654 |
| Noninterest income to average assets | 0.4577% | 2,806 |
| Noninterest expense to average assets | 1.5785% | 4,748 |
| Loan and lease loss provision to assets | 0.3569% | 1,056 |
| Net operating income to assets | 0.9927% | 2,368 |
| Return on assets (ROA) | 0.9925% | 2,500 |
| Pretax return on assets | 1.3420% | 1,899 |
| Return on Equity (ROE) | 8.3948% | 2,650 |
| Retained earnings to average equity (ytd only) | 4.5364% | 2,781 |
| Net charge-offs to loans | 0.1488% | 985 |
| Credit loss provision to net charge-offs | 302.3108% | 1,750 |
| Earnings coverage of net charge-offs (x) | 14.4859% | 2,154 |
| Efficiency ratio | 46.2645% | 4,700 |
| Assets per employee ($millions) | 12.9071% | 265 |
| Cash dividends to net income (ytd only)* | 45.9624% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 3,720 |
| Loan loss allowance to noncurrent loans | 161.6672% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 2,151 |
| Noncurrent loans to loans | 0.6162% | 2,261 |
| Net loans and leases to total assets | 79.2928% | 678 |
| Net loans and leases to deposits | 103.2315% | 406 |
| Net loans and leases to core deposits | 121.3797% | 388 |
| Total domestic deposits to total assets | 76.8107% | 4,347 |
| Equity capital to assets | 11.8788% | 1,751 |
| Core capital (leverage) ratio | 8.6555% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4998% | 2,792 |
| Memoranda: | ||
| Average total assets | $39,747,974,250 | 56 |
| Average earning assets | $35,743,104,250 | 55 |
| Average equity | $4,699,502,750 | 56 |
| Average total loans | $31,330,575,500 | 47 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0208% | 3,271 |
| Cost of funding earning assets | 0.8961% | 1,395 |
| Net interest margin | 3.1246% | 3,847 |
| Noninterest income to average assets | 0.4411% | 2,852 |
| Noninterest expense to average assets | 1.5776% | 4,797 |
| Loan and lease loss provision to assets | 0.3840% | 1,071 |
| Net operating income to assets | 0.9621% | 2,450 |
| Return on assets (ROA) | 0.9620% | 2,579 |
| Pretax return on assets | 1.2879% | 2,074 |
| Return on Equity (ROE) | 8.1497% | 2,685 |
| Retained earnings to average equity (ytd only) | 4.4532% | 2,727 |
| Net charge-offs to loans | 0.1266% | 1,082 |
| Credit loss provision to net charge-offs | 382.9583% | 1,439 |
| Earnings coverage of net charge-offs (x) | 16.8551% | 1,841 |
| Efficiency ratio | 46.6501% | 4,693 |
| Assets per employee ($millions) | 13.0700% | 248 |
| Cash dividends to net income (ytd only)* | 45.3572% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,781 |
| Loan loss allowance to noncurrent loans | 139.6551% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 2,149 |
| Noncurrent loans to loans | 0.6835% | 2,163 |
| Net loans and leases to total assets | 77.0282% | 996 |
| Net loans and leases to deposits | 101.8852% | 450 |
| Net loans and leases to core deposits | 121.4149% | 392 |
| Total domestic deposits to total assets | 75.6029% | 4,464 |
| Equity capital to assets | 11.4668% | 1,992 |
| Core capital (leverage) ratio | 8.4663% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2507% | 2,900 |
| Memoranda: | ||
| Average total assets | $39,419,021,667 | 56 |
| Average earning assets | $35,431,979,000 | 55 |
| Average equity | $4,653,069,333 | 56 |
| Average total loans | $30,899,155,333 | 47 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 3,112 |
| Cost of funding earning assets | 1.1142% | 1,004 |
| Net interest margin | 3.1176% | 4,053 |
| Noninterest income to average assets | 0.4357% | 2,875 |
| Noninterest expense to average assets | 1.6169% | 4,844 |
| Loan and lease loss provision to assets | 0.3617% | 847 |
| Net operating income to assets | 0.9394% | 2,378 |
| Return on assets (ROA) | 0.9393% | 2,486 |
| Pretax return on assets | 1.2579% | 2,007 |
| Return on Equity (ROE) | 7.8358% | 2,583 |
| Retained earnings to average equity (ytd only) | 3.4770% | 2,898 |
| Net charge-offs to loans | 0.0637% | 1,378 |
| Credit loss provision to net charge-offs | 705.3761% | 720 |
| Earnings coverage of net charge-offs (x) | 32.2949% | 1,133 |
| Efficiency ratio | 48.1905% | 4,749 |
| Assets per employee ($millions) | 12.2140% | 226 |
| Cash dividends to net income (ytd only)* | 55.6266% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 4,008 |
| Loan loss allowance to noncurrent loans | 133.0044% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 2,283 |
| Noncurrent loans to loans | 0.6988% | 2,252 |
| Net loans and leases to total assets | 77.2288% | 1,096 |
| Net loans and leases to deposits | 103.6740% | 381 |
| Net loans and leases to core deposits | 124.9012% | 350 |
| Total domestic deposits to total assets | 74.4920% | 4,621 |
| Equity capital to assets | 11.7800% | 2,229 |
| Core capital (leverage) ratio | 8.7476% | 4,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4980% | 3,226 |
| Memoranda: | ||
| Average total assets | $38,275,406,000 | 56 |
| Average earning assets | $34,386,584,000 | 55 |
| Average equity | $4,588,410,000 | 57 |
| Average total loans | $30,131,128,000 | 47 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 3,405 |
| Cost of funding earning assets | 1.3547% | 648 |
| Net interest margin | 2.9907% | 4,526 |
| Noninterest income to average assets | 0.6507% | 2,003 |
| Noninterest expense to average assets | 1.8382% | 4,728 |
| Loan and lease loss provision to assets | 0.0766% | 2,457 |
| Net operating income to assets | 1.0689% | 2,584 |
| Return on assets (ROA) | 1.0617% | 2,703 |
| Pretax return on assets | 1.4252% | 2,062 |
| Return on Equity (ROE) | 9.3646% | 2,580 |
| Retained earnings to average equity (ytd only) | 5.1760% | 2,319 |
| Net charge-offs to loans | 0.0599% | 2,246 |
| Credit loss provision to net charge-offs | 162.2289% | 1,593 |
| Earnings coverage of net charge-offs (x) | 31.9994% | 1,521 |
| Efficiency ratio | 53.2832% | 4,494 |
| Assets per employee ($millions) | 11.7630% | 243 |
| Cash dividends to net income (ytd only)* | 44.7285% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5433% | 4,833 |
| Loan loss allowance to noncurrent loans | 92.1772% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4938% | 2,437 |
| Noncurrent loans to loans | 0.5894% | 2,415 |
| Net loans and leases to total assets | 79.0927% | 917 |
| Net loans and leases to deposits | 101.0528% | 523 |
| Net loans and leases to core deposits | 125.7859% | 349 |
| Total domestic deposits to total assets | 78.2687% | 4,317 |
| Equity capital to assets | 12.2050% | 2,008 |
| Core capital (leverage) ratio | 9.3071% | 4,269 |
| Tier 1 risk-based capital ratio | 10.7811% | 4,935 |
| Total risk-based capital ratio | 11.6861% | 4,970 |
| Memoranda: | ||
| Average total assets | $33,692,451,000 | 57 |
| Average earning assets | $30,399,440,400 | 56 |
| Average equity | $3,819,853,600 | 63 |
| Average total loans | $26,549,709,800 | 48 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4070% | 3,332 |
| Cost of funding earning assets | 1.3950% | 586 |
| Net interest margin | 3.0120% | 4,605 |
| Noninterest income to average assets | 0.7369% | 1,633 |
| Noninterest expense to average assets | 1.7309% | 4,892 |
| Loan and lease loss provision to assets | 0.0827% | 2,253 |
| Net operating income to assets | 1.2140% | 2,149 |
| Return on assets (ROA) | 1.2042% | 2,264 |
| Pretax return on assets | 1.6296% | 1,528 |
| Return on Equity (ROE) | 10.8588% | 2,074 |
| Retained earnings to average equity (ytd only) | 6.4541% | 2,140 |
| Net charge-offs to loans | 0.0535% | 2,069 |
| Credit loss provision to net charge-offs | 196.7942% | 1,330 |
| Earnings coverage of net charge-offs (x) | 41.0361% | 1,355 |
| Efficiency ratio | 48.5382% | 4,822 |
| Assets per employee ($millions) | 11.0071% | 270 |
| Cash dividends to net income (ytd only)* | 40.5634% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6083% | 4,802 |
| Loan loss allowance to noncurrent loans | 91.4171% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 2,380 |
| Noncurrent loans to loans | 0.6654% | 2,293 |
| Net loans and leases to total assets | 78.3924% | 1,076 |
| Net loans and leases to deposits | 103.1492% | 444 |
| Net loans and leases to core deposits | 127.8222% | 334 |
| Total domestic deposits to total assets | 75.9990% | 4,652 |
| Equity capital to assets | 11.0553% | 3,054 |
| Core capital (leverage) ratio | 8.1426% | 5,078 |
| Tier 1 risk-based capital ratio | 9.9484% | 5,199 |
| Total risk-based capital ratio | 10.9499% | 5,194 |
| Memoranda: | ||
| Average total assets | $32,755,169,250 | 59 |
| Average earning assets | $29,565,227,750 | 57 |
| Average equity | $3,632,379,250 | 66 |
| Average total loans | $25,743,307,000 | 49 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 3,271 |
| Cost of funding earning assets | 1.3887% | 559 |
| Net interest margin | 3.0340% | 4,631 |
| Noninterest income to average assets | 0.8642% | 1,167 |
| Noninterest expense to average assets | 1.7453% | 4,930 |
| Loan and lease loss provision to assets | 0.0713% | 2,389 |
| Net operating income to assets | 1.3098% | 1,736 |
| Return on assets (ROA) | 1.2954% | 1,850 |
| Pretax return on assets | 1.7709% | 1,112 |
| Return on Equity (ROE) | 11.6689% | 1,707 |
| Retained earnings to average equity (ytd only) | 7.2244% | 1,715 |
| Net charge-offs to loans | 0.0653% | 1,718 |
| Credit loss provision to net charge-offs | 139.0332% | 1,575 |
| Earnings coverage of net charge-offs (x) | 36.2726% | 1,307 |
| Efficiency ratio | 46.9529% | 4,941 |
| Assets per employee ($millions) | 10.6863% | 287 |
| Cash dividends to net income (ytd only)* | 38.0885% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6003% | 4,876 |
| Loan loss allowance to noncurrent loans | 96.4116% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 2,507 |
| Noncurrent loans to loans | 0.6226% | 2,393 |
| Net loans and leases to total assets | 77.8309% | 1,251 |
| Net loans and leases to deposits | 103.2658% | 459 |
| Net loans and leases to core deposits | 125.4441% | 404 |
| Total domestic deposits to total assets | 75.3695% | 4,741 |
| Equity capital to assets | 11.1374% | 2,915 |
| Core capital (leverage) ratio | 8.1651% | 5,122 |
| Tier 1 risk-based capital ratio | 10.0985% | 5,211 |
| Total risk-based capital ratio | 11.1083% | 5,201 |
| Memoranda: | ||
| Average total assets | $32,428,022,000 | 60 |
| Average earning assets | $29,302,108,000 | 58 |
| Average equity | $3,599,940,330 | 66 |
| Average total loans | $25,454,816,000 | 49 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4020% | 3,220 |
| Cost of funding earning assets | 1.3576% | 532 |
| Net interest margin | 3.0444% | 4,688 |
| Noninterest income to average assets | 1.3522% | 469 |
| Noninterest expense to average assets | 1.7964% | 4,927 |
| Loan and lease loss provision to assets | 0.0978% | 1,792 |
| Net operating income to assets | 1.6110% | 872 |
| Return on assets (ROA) | 1.6107% | 908 |
| Pretax return on assets | 2.2137% | 437 |
| Return on Equity (ROE) | 14.5329% | 849 |
| Retained earnings to average equity (ytd only) | 10.0414% | 1,027 |
| Net charge-offs to loans | 0.0845% | 1,256 |
| Credit loss provision to net charge-offs | 147.2816% | 1,260 |
| Earnings coverage of net charge-offs (x) | 34.8271% | 1,242 |
| Efficiency ratio | 42.4212% | 5,153 |
| Assets per employee ($millions) | 10.5272% | 291 |
| Cash dividends to net income (ytd only)* | 30.9057% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6065% | 4,921 |
| Loan loss allowance to noncurrent loans | 96.0541% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 2,555 |
| Noncurrent loans to loans | 0.6314% | 2,437 |
| Net loans and leases to total assets | 77.9550% | 1,161 |
| Net loans and leases to deposits | 101.1330% | 548 |
| Net loans and leases to core deposits | 121.7523% | 489 |
| Total domestic deposits to total assets | 77.0817% | 4,644 |
| Equity capital to assets | 11.1431% | 2,712 |
| Core capital (leverage) ratio | 8.1312% | 5,169 |
| Tier 1 risk-based capital ratio | 10.0569% | 5,277 |
| Total risk-based capital ratio | 11.0832% | 5,271 |
| Memoranda: | ||
| Average total assets | $32,142,357,500 | 61 |
| Average earning assets | $29,098,067,500 | 60 |
| Average equity | $3,562,279,500 | 67 |
| Average total loans | $25,262,822,500 | 51 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3807% | 2,823 |
| Cost of funding earning assets | 1.0997% | 494 |
| Net interest margin | 3.2810% | 4,305 |
| Noninterest income to average assets | 0.4678% | 3,006 |
| Noninterest expense to average assets | 2.0984% | 4,568 |
| Loan and lease loss provision to assets | 0.1083% | 2,032 |
| Net operating income to assets | 0.9254% | 3,345 |
| Return on assets (ROA) | 0.9191% | 3,360 |
| Pretax return on assets | 1.2228% | 2,804 |
| Return on Equity (ROE) | 8.1666% | 3,370 |
| Retained earnings to average equity (ytd only) | 3.4558% | 3,686 |
| Net charge-offs to loans | 0.0029% | 3,636 |
| Credit loss provision to net charge-offs | 4,811.7021% | 104 |
| Earnings coverage of net charge-offs (x) | 595.0213% | 181 |
| Efficiency ratio | 59.2104% | 3,985 |
| Assets per employee ($millions) | 9.9716% | 341 |
| Cash dividends to net income (ytd only)* | 57.6841% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6057% | 4,959 |
| Loan loss allowance to noncurrent loans | 96.9434% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.5220% | 2,502 |
| Noncurrent loans to loans | 0.6248% | 2,421 |
| Net loans and leases to total assets | 78.2888% | 1,230 |
| Net loans and leases to deposits | 101.4491% | 630 |
| Net loans and leases to core deposits | 123.1771% | 465 |
| Total domestic deposits to total assets | 77.1705% | 4,608 |
| Equity capital to assets | 11.0213% | 2,667 |
| Core capital (leverage) ratio | 8.0937% | 5,209 |
| Tier 1 risk-based capital ratio | 9.9496% | 5,317 |
| Total risk-based capital ratio | 10.9936% | 5,318 |
| Memoranda: | ||
| Average total assets | $29,236,650,800 | 65 |
| Average earning assets | $26,462,728,600 | 64 |
| Average equity | $3,290,276,200 | 69 |
| Average total loans | $22,677,778,000 | 54 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3566% | 2,770 |
| Cost of funding earning assets | 1.0381% | 506 |
| Net interest margin | 3.3184% | 4,230 |
| Noninterest income to average assets | 0.4676% | 3,058 |
| Noninterest expense to average assets | 2.1755% | 4,374 |
| Loan and lease loss provision to assets | 0.1107% | 1,825 |
| Net operating income to assets | 0.8757% | 3,639 |
| Return on assets (ROA) | 0.8725% | 3,656 |
| Pretax return on assets | 1.1778% | 3,079 |
| Return on Equity (ROE) | 7.7083% | 3,660 |
| Retained earnings to average equity (ytd only) | 2.9698% | 4,250 |
| Net charge-offs to loans | -0.0023% | 4,107 |
| Credit loss provision to net charge-offs | -6,227.2966% | 4,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8996% | 3,672 |
| Assets per employee ($millions) | 9.4509% | 385 |
| Cash dividends to net income (ytd only)* | 61.4723% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 5,044 |
| Loan loss allowance to noncurrent loans | 88.5330% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 2,506 |
| Noncurrent loans to loans | 0.6782% | 2,384 |
| Net loans and leases to total assets | 77.8431% | 1,368 |
| Net loans and leases to deposits | 105.7964% | 450 |
| Net loans and leases to core deposits | 117.6498% | 650 |
| Total domestic deposits to total assets | 73.5782% | 5,015 |
| Equity capital to assets | 11.2201% | 2,457 |
| Core capital (leverage) ratio | 8.1671% | 5,267 |
| Tier 1 risk-based capital ratio | 10.1318% | 5,354 |
| Total risk-based capital ratio | 11.1868% | 5,347 |
| Memoranda: | ||
| Average total assets | $28,588,495,500 | 65 |
| Average earning assets | $25,850,000,000 | 64 |
| Average equity | $3,235,843,000 | 70 |
| Average total loans | $22,079,566,500 | 54 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3526% | 2,577 |
| Cost of funding earning assets | 0.9842% | 501 |
| Net interest margin | 3.3684% | 4,048 |
| Noninterest income to average assets | 0.5124% | 2,789 |
| Noninterest expense to average assets | 2.2870% | 4,174 |
| Loan and lease loss provision to assets | 0.1242% | 1,597 |
| Net operating income to assets | 0.8534% | 3,662 |
| Return on assets (ROA) | 0.8489% | 3,682 |
| Pretax return on assets | 1.1397% | 3,167 |
| Return on Equity (ROE) | 7.4758% | 3,735 |
| Retained earnings to average equity (ytd only) | 2.7311% | 4,157 |
| Net charge-offs to loans | -0.0057% | 4,136 |
| Credit loss provision to net charge-offs | -2,825.8170% | 4,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5017% | 3,560 |
| Assets per employee ($millions) | 9.0453% | 437 |
| Cash dividends to net income (ytd only)* | 63.4668% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5964% | 5,108 |
| Loan loss allowance to noncurrent loans | 88.6754% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 2,557 |
| Noncurrent loans to loans | 0.6725% | 2,424 |
| Net loans and leases to total assets | 76.7404% | 1,519 |
| Net loans and leases to deposits | 106.3922% | 418 |
| Net loans and leases to core deposits | 118.5914% | 605 |
| Total domestic deposits to total assets | 72.1297% | 5,176 |
| Equity capital to assets | 11.4071% | 2,261 |
| Core capital (leverage) ratio | 8.2816% | 5,223 |
| Tier 1 risk-based capital ratio | 10.3555% | 5,326 |
| Total risk-based capital ratio | 11.4177% | 5,314 |
| Memoranda: | ||
| Average total assets | $27,841,761,670 | 65 |
| Average earning assets | $25,162,302,670 | 64 |
| Average equity | $3,161,453,330 | 72 |
| Average total loans | $21,391,767,000 | 56 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4278% | 2,103 |
| Cost of funding earning assets | 0.9471% | 473 |
| Net interest margin | 3.4807% | 3,602 |
| Noninterest income to average assets | 0.4968% | 2,819 |
| Noninterest expense to average assets | 2.5663% | 3,434 |
| Loan and lease loss provision to assets | 0.1604% | 1,120 |
| Net operating income to assets | 0.6717% | 4,203 |
| Return on assets (ROA) | 0.6626% | 4,242 |
| Pretax return on assets | 0.9097% | 3,818 |
| Return on Equity (ROE) | 5.8501% | 4,207 |
| Retained earnings to average equity (ytd only) | 1.2192% | 4,574 |
| Net charge-offs to loans | -0.0255% | 4,673 |
| Credit loss provision to net charge-offs | -820.7055% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5870% | 2,735 |
| Assets per employee ($millions) | 8.8485% | 470 |
| Cash dividends to net income (ytd only)* | 79.1587% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5889% | 5,205 |
| Loan loss allowance to noncurrent loans | 102.0234% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 2,898 |
| Noncurrent loans to loans | 0.5772% | 2,810 |
| Net loans and leases to total assets | 76.2318% | 1,502 |
| Net loans and leases to deposits | 101.6781% | 604 |
| Net loans and leases to core deposits | 114.3338% | 790 |
| Total domestic deposits to total assets | 74.9737% | 5,068 |
| Equity capital to assets | 11.5871% | 2,067 |
| Core capital (leverage) ratio | 8.2935% | 5,268 |
| Tier 1 risk-based capital ratio | 10.4731% | 5,356 |
| Total risk-based capital ratio | 11.5355% | 5,343 |
| Memoranda: | ||
| Average total assets | $26,693,250,500 | 67 |
| Average earning assets | $24,164,892,500 | 67 |
| Average equity | $3,023,203,000 | 74 |
| Average total loans | $20,453,957,500 | 58 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 3,479 |
| Cost of funding earning assets | 0.7880% | 665 |
| Net interest margin | 3.1906% | 4,471 |
| Noninterest income to average assets | 0.4472% | 3,329 |
| Noninterest expense to average assets | 2.0666% | 4,847 |
| Loan and lease loss provision to assets | 0.0364% | 3,537 |
| Net operating income to assets | 0.7116% | 3,551 |
| Return on assets (ROA) | 0.7115% | 3,602 |
| Pretax return on assets | 1.2281% | 2,649 |
| Return on Equity (ROE) | 6.4919% | 3,537 |
| Retained earnings to average equity (ytd only) | 1.7397% | 4,272 |
| Net charge-offs to loans | 0.0117% | 3,675 |
| Credit loss provision to net charge-offs | 407.4021% | 749 |
| Earnings coverage of net charge-offs (x) | 141.4642% | 493 |
| Efficiency ratio | 60.7544% | 4,149 |
| Assets per employee ($millions) | 8.4325% | 547 |
| Cash dividends to net income (ytd only)* | 73.2012% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6587% | 5,141 |
| Loan loss allowance to noncurrent loans | 131.2440% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.4251% | 3,161 |
| Noncurrent loans to loans | 0.5019% | 3,018 |
| Net loans and leases to total assets | 76.0511% | 1,585 |
| Net loans and leases to deposits | 99.8990% | 738 |
| Net loans and leases to core deposits | 112.3826% | 879 |
| Total domestic deposits to total assets | 76.1280% | 4,967 |
| Equity capital to assets | 11.0048% | 2,617 |
| Core capital (leverage) ratio | 8.4680% | 5,166 |
| Tier 1 risk-based capital ratio | 10.9747% | 5,163 |
| Total risk-based capital ratio | 12.2318% | 5,035 |
| Memoranda: | ||
| Average total assets | $23,424,404,400 | 71 |
| Average earning assets | $21,174,156,200 | 73 |
| Average equity | $2,567,268,400 | 77 |
| Average total loans | $17,854,038,800 | 63 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 3,544 |
| Cost of funding earning assets | 0.7605% | 721 |
| Net interest margin | 3.1816% | 4,506 |
| Noninterest income to average assets | 0.4393% | 3,407 |
| Noninterest expense to average assets | 2.0683% | 4,800 |
| Loan and lease loss provision to assets | 0.0424% | 3,257 |
| Net operating income to assets | 0.7882% | 3,569 |
| Return on assets (ROA) | 0.7883% | 3,625 |
| Pretax return on assets | 1.2022% | 2,902 |
| Return on Equity (ROE) | 7.1999% | 3,545 |
| Retained earnings to average equity (ytd only) | 2.6505% | 4,310 |
| Net charge-offs to loans | 0.0216% | 3,041 |
| Credit loss provision to net charge-offs | 258.6532% | 1,104 |
| Earnings coverage of net charge-offs (x) | 75.8520% | 847 |
| Efficiency ratio | 61.1192% | 4,028 |
| Assets per employee ($millions) | 8.3342% | 559 |
| Cash dividends to net income (ytd only)* | 63.1863% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 5,232 |
| Loan loss allowance to noncurrent loans | 156.0926% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 3,565 |
| Noncurrent loans to loans | 0.4184% | 3,449 |
| Net loans and leases to total assets | 76.2389% | 1,548 |
| Net loans and leases to deposits | 104.1273% | 490 |
| Net loans and leases to core deposits | 117.3836% | 692 |
| Total domestic deposits to total assets | 73.2170% | 5,296 |
| Equity capital to assets | 11.1531% | 2,715 |
| Core capital (leverage) ratio | 8.5886% | 5,179 |
| Tier 1 risk-based capital ratio | 11.0204% | 5,235 |
| Total risk-based capital ratio | 12.2636% | 5,128 |
| Memoranda: | ||
| Average total assets | $23,289,192,000 | 71 |
| Average earning assets | $21,033,948,750 | 73 |
| Average equity | $2,549,751,250 | 76 |
| Average total loans | $17,730,873,750 | 63 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9297% | 3,451 |
| Cost of funding earning assets | 0.7181% | 808 |
| Net interest margin | 3.2116% | 4,383 |
| Noninterest income to average assets | 0.4341% | 3,459 |
| Noninterest expense to average assets | 2.0144% | 4,951 |
| Loan and lease loss provision to assets | 0.0528% | 2,923 |
| Net operating income to assets | 0.8292% | 3,252 |
| Return on assets (ROA) | 0.8292% | 3,305 |
| Pretax return on assets | 1.2647% | 2,519 |
| Return on Equity (ROE) | 7.6225% | 3,235 |
| Retained earnings to average equity (ytd only) | 3.6499% | 3,532 |
| Net charge-offs to loans | 0.0465% | 2,286 |
| Credit loss provision to net charge-offs | 149.6206% | 1,530 |
| Earnings coverage of net charge-offs (x) | 37.3180% | 1,304 |
| Efficiency ratio | 59.1350% | 4,451 |
| Assets per employee ($millions) | 8.0681% | 602 |
| Cash dividends to net income (ytd only)* | 52.1170% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6523% | 5,292 |
| Loan loss allowance to noncurrent loans | 120.9200% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 3,292 |
| Noncurrent loans to loans | 0.5395% | 3,135 |
| Net loans and leases to total assets | 75.7419% | 1,580 |
| Net loans and leases to deposits | 102.4899% | 576 |
| Net loans and leases to core deposits | 116.2389% | 701 |
| Total domestic deposits to total assets | 73.9018% | 5,302 |
| Equity capital to assets | 10.8569% | 2,954 |
| Core capital (leverage) ratio | 8.2050% | 5,425 |
| Tier 1 risk-based capital ratio | 10.4682% | 5,471 |
| Total risk-based capital ratio | 11.7003% | 5,407 |
| Memoranda: | ||
| Average total assets | $23,140,359,670 | 70 |
| Average earning assets | $20,880,199,000 | 72 |
| Average equity | $2,517,246,670 | 74 |
| Average total loans | $17,569,570,670 | 63 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 3,624 |
| Cost of funding earning assets | 0.6688% | 984 |
| Net interest margin | 3.1705% | 4,436 |
| Noninterest income to average assets | 0.4351% | 3,416 |
| Noninterest expense to average assets | 2.0589% | 4,924 |
| Loan and lease loss provision to assets | 0.0418% | 2,967 |
| Net operating income to assets | 0.7914% | 3,262 |
| Return on assets (ROA) | 0.7911% | 3,320 |
| Pretax return on assets | 1.1932% | 2,621 |
| Return on Equity (ROE) | 7.2652% | 3,287 |
| Retained earnings to average equity (ytd only) | 4.0714% | 3,423 |
| Net charge-offs to loans | 0.0316% | 2,135 |
| Credit loss provision to net charge-offs | 174.3106% | 1,110 |
| Earnings coverage of net charge-offs (x) | 51.5581% | 880 |
| Efficiency ratio | 61.1601% | 4,294 |
| Assets per employee ($millions) | 8.1562% | 578 |
| Cash dividends to net income (ytd only)* | 43.9599% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 5,395 |
| Loan loss allowance to noncurrent loans | 157.8406% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3618% | 3,752 |
| Noncurrent loans to loans | 0.4164% | 3,597 |
| Net loans and leases to total assets | 75.2766% | 1,534 |
| Net loans and leases to deposits | 100.3552% | 594 |
| Net loans and leases to core deposits | 113.7359% | 687 |
| Total domestic deposits to total assets | 75.0101% | 5,332 |
| Equity capital to assets | 10.8677% | 2,781 |
| Core capital (leverage) ratio | 8.2322% | 5,422 |
| Tier 1 risk-based capital ratio | 10.4378% | 5,570 |
| Total risk-based capital ratio | 11.6800% | 5,494 |
| Memoranda: | ||
| Average total assets | $23,003,748,000 | 72 |
| Average earning assets | $20,745,298,000 | 71 |
| Average equity | $2,504,876,500 | 73 |
| Average total loans | $17,429,188,000 | 63 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 3,614 |
| Cost of funding earning assets | 0.7188% | 747 |
| Net interest margin | 3.1689% | 4,537 |
| Noninterest income to average assets | 0.4660% | 3,442 |
| Noninterest expense to average assets | 2.0622% | 5,070 |
| Loan and lease loss provision to assets | 0.0539% | 3,310 |
| Net operating income to assets | 0.7864% | 3,370 |
| Return on assets (ROA) | 0.7880% | 3,465 |
| Pretax return on assets | 1.1901% | 2,717 |
| Return on Equity (ROE) | 7.3268% | 3,302 |
| Retained earnings to average equity (ytd only) | 3.5278% | 3,426 |
| Net charge-offs to loans | 0.0219% | 3,605 |
| Credit loss provision to net charge-offs | 326.8998% | 920 |
| Earnings coverage of net charge-offs (x) | 75.3018% | 747 |
| Efficiency ratio | 60.8633% | 4,444 |
| Assets per employee ($millions) | 8.0720% | 591 |
| Cash dividends to net income (ytd only)* | 51.8499% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6616% | 5,428 |
| Loan loss allowance to noncurrent loans | 146.9925% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 3,729 |
| Noncurrent loans to loans | 0.4501% | 3,537 |
| Net loans and leases to total assets | 75.2575% | 1,644 |
| Net loans and leases to deposits | 96.5154% | 951 |
| Net loans and leases to core deposits | 109.2793% | 944 |
| Total domestic deposits to total assets | 77.9746% | 4,979 |
| Equity capital to assets | 10.9106% | 2,702 |
| Core capital (leverage) ratio | 8.2518% | 5,473 |
| Tier 1 risk-based capital ratio | 10.5549% | 5,549 |
| Total risk-based capital ratio | 11.8203% | 5,471 |
| Memoranda: | ||
| Average total assets | $22,028,681,000 | 69 |
| Average earning assets | $19,726,755,600 | 70 |
| Average equity | $2,369,094,800 | 73 |
| Average total loans | $16,568,971,400 | 63 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 3,714 |
| Cost of funding earning assets | 0.7312% | 695 |
| Net interest margin | 3.1346% | 4,687 |
| Noninterest income to average assets | 0.4297% | 3,699 |
| Noninterest expense to average assets | 2.0766% | 5,049 |
| Loan and lease loss provision to assets | 0.0491% | 3,264 |
| Net operating income to assets | 0.7431% | 3,633 |
| Return on assets (ROA) | 0.7432% | 3,764 |
| Pretax return on assets | 1.1065% | 3,206 |
| Return on Equity (ROE) | 6.9365% | 3,594 |
| Retained earnings to average equity (ytd only) | 3.5159% | 3,789 |
| Net charge-offs to loans | 0.0287% | 3,087 |
| Credit loss provision to net charge-offs | 228.3078% | 1,293 |
| Earnings coverage of net charge-offs (x) | 53.7121% | 1,020 |
| Efficiency ratio | 62.6529% | 4,118 |
| Assets per employee ($millions) | 7.8426% | 626 |
| Cash dividends to net income (ytd only)* | 49.3133% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6575% | 5,515 |
| Loan loss allowance to noncurrent loans | 134.7220% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 3,749 |
| Noncurrent loans to loans | 0.4880% | 3,541 |
| Net loans and leases to total assets | 74.9624% | 1,709 |
| Net loans and leases to deposits | 98.2763% | 833 |
| Net loans and leases to core deposits | 111.2483% | 850 |
| Total domestic deposits to total assets | 76.2772% | 5,197 |
| Equity capital to assets | 10.6243% | 3,433 |
| Core capital (leverage) ratio | 7.8710% | 5,733 |
| Tier 1 risk-based capital ratio | 10.0448% | 5,779 |
| Total risk-based capital ratio | 11.3199% | 5,721 |
| Memoranda: | ||
| Average total assets | $21,828,981,750 | 70 |
| Average earning assets | $19,515,013,000 | 72 |
| Average equity | $2,338,713,750 | 73 |
| Average total loans | $16,387,761,500 | 65 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 3,691 |
| Cost of funding earning assets | 0.7417% | 659 |
| Net interest margin | 3.1302% | 4,750 |
| Noninterest income to average assets | 0.4174% | 3,769 |
| Noninterest expense to average assets | 2.1221% | 5,010 |
| Loan and lease loss provision to assets | 0.0193% | 3,752 |
| Net operating income to assets | 0.7222% | 3,689 |
| Return on assets (ROA) | 0.7223% | 3,844 |
| Pretax return on assets | 1.0717% | 3,319 |
| Return on Equity (ROE) | 6.7228% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.1456% | 3,266 |
| Net charge-offs to loans | 0.0022% | 3,632 |
| Credit loss provision to net charge-offs | 1,149.4505% | 335 |
| Earnings coverage of net charge-offs (x) | 649.3077% | 91 |
| Efficiency ratio | 64.3904% | 3,948 |
| Assets per employee ($millions) | 7.3553% | 746 |
| Cash dividends to net income (ytd only)* | 38.3352% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6549% | 5,602 |
| Loan loss allowance to noncurrent loans | 117.6801% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 3,620 |
| Noncurrent loans to loans | 0.5565% | 3,396 |
| Net loans and leases to total assets | 75.3325% | 1,588 |
| Net loans and leases to deposits | 100.0352% | 695 |
| Net loans and leases to core deposits | 111.6656% | 835 |
| Total domestic deposits to total assets | 75.3060% | 5,377 |
| Equity capital to assets | 10.7904% | 3,297 |
| Core capital (leverage) ratio | 7.9247% | 5,766 |
| Tier 1 risk-based capital ratio | 10.0910% | 5,823 |
| Total risk-based capital ratio | 11.3695% | 5,755 |
| Memoranda: | ||
| Average total assets | $21,667,890,330 | 72 |
| Average earning assets | $19,350,715,670 | 73 |
| Average equity | $2,328,109,000 | 73 |
| Average total loans | $16,238,180,670 | 65 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 3,786 |
| Cost of funding earning assets | 0.7422% | 660 |
| Net interest margin | 3.1031% | 4,853 |
| Noninterest income to average assets | 0.3963% | 3,857 |
| Noninterest expense to average assets | 2.1199% | 5,076 |
| Loan and lease loss provision to assets | 0.0135% | 3,515 |
| Net operating income to assets | 0.7009% | 3,705 |
| Return on assets (ROA) | 0.7013% | 3,819 |
| Pretax return on assets | 1.0345% | 3,341 |
| Return on Equity (ROE) | 6.5406% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.5406% | 2,116 |
| Net charge-offs to loans | 0.0371% | 2,244 |
| Credit loss provision to net charge-offs | 48.8606% | 2,062 |
| Earnings coverage of net charge-offs (x) | 37.9430% | 1,046 |
| Efficiency ratio | 65.2663% | 3,933 |
| Assets per employee ($millions) | 7.4837% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6527% | 5,671 |
| Loan loss allowance to noncurrent loans | 93.8984% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.5857% | 3,305 |
| Noncurrent loans to loans | 0.6951% | 3,109 |
| Net loans and leases to total assets | 74.0120% | 1,728 |
| Net loans and leases to deposits | 97.5847% | 794 |
| Net loans and leases to core deposits | 108.7112% | 934 |
| Total domestic deposits to total assets | 75.8439% | 5,420 |
| Equity capital to assets | 10.7861% | 3,173 |
| Core capital (leverage) ratio | 7.8773% | 5,824 |
| Tier 1 risk-based capital ratio | 10.1953% | 5,864 |
| Total risk-based capital ratio | 11.4815% | 5,781 |
| Memoranda: | ||
| Average total assets | $21,619,665,000 | 72 |
| Average earning assets | $19,306,117,000 | 73 |
| Average equity | $2,317,935,500 | 74 |
| Average total loans | $16,105,411,000 | 66 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 3,046 |
| Cost of funding earning assets | 0.8659% | 342 |
| Net interest margin | 3.2000% | 4,632 |
| Noninterest income to average assets | 0.4133% | 3,933 |
| Noninterest expense to average assets | 2.4831% | 4,281 |
| Loan and lease loss provision to assets | 0.0400% | 3,538 |
| Net operating income to assets | 0.4959% | 4,706 |
| Return on assets (ROA) | 0.5045% | 4,763 |
| Pretax return on assets | 0.7383% | 4,407 |
| Return on Equity (ROE) | 4.7628% | 4,625 |
| Retained earnings to average equity (ytd only) | -0.5280% | 5,601 |
| Net charge-offs to loans | 0.0276% | 3,676 |
| Credit loss provision to net charge-offs | 195.1256% | 1,424 |
| Earnings coverage of net charge-offs (x) | 37.3686% | 1,235 |
| Efficiency ratio | 74.9969% | 2,424 |
| Assets per employee ($millions) | 7.3606% | 762 |
| Cash dividends to net income (ytd only)* | 111.0864% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6612% | 5,706 |
| Loan loss allowance to noncurrent loans | 95.8476% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6001% | 3,280 |
| Noncurrent loans to loans | 0.6898% | 3,124 |
| Net loans and leases to total assets | 73.9978% | 1,729 |
| Net loans and leases to deposits | 97.7718% | 836 |
| Net loans and leases to core deposits | 109.3676% | 895 |
| Total domestic deposits to total assets | 75.6842% | 5,482 |
| Equity capital to assets | 10.6563% | 3,183 |
| Core capital (leverage) ratio | 8.2889% | 5,614 |
| Tier 1 risk-based capital ratio | 10.2171% | 5,888 |
| Total risk-based capital ratio | 11.5328% | 5,795 |
| Memoranda: | ||
| Average total assets | $19,627,262,800 | 75 |
| Average earning assets | $17,390,853,800 | 74 |
| Average equity | $2,079,055,000 | 77 |
| Average total loans | $14,563,126,000 | 67 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 2,899 |
| Cost of funding earning assets | 0.9025% | 284 |
| Net interest margin | 3.2062% | 4,647 |
| Noninterest income to average assets | 0.3982% | 4,098 |
| Noninterest expense to average assets | 2.2402% | 4,939 |
| Loan and lease loss provision to assets | 0.0305% | 3,622 |
| Net operating income to assets | 0.6684% | 4,042 |
| Return on assets (ROA) | 0.6803% | 4,105 |
| Pretax return on assets | 0.9790% | 3,696 |
| Return on Equity (ROE) | 6.4333% | 3,943 |
| Retained earnings to average equity (ytd only) | 0.5059% | 5,474 |
| Net charge-offs to loans | 0.0205% | 3,528 |
| Credit loss provision to net charge-offs | 200.6410% | 1,328 |
| Earnings coverage of net charge-offs (x) | 65.2357% | 861 |
| Efficiency ratio | 67.8548% | 3,572 |
| Assets per employee ($millions) | 6.8713% | 922 |
| Cash dividends to net income (ytd only)* | 92.1357% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 5,740 |
| Loan loss allowance to noncurrent loans | 102.5201% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.6242% | 3,396 |
| Noncurrent loans to loans | 0.6783% | 3,289 |
| Net loans and leases to total assets | 76.3482% | 1,341 |
| Net loans and leases to deposits | 102.3168% | 528 |
| Net loans and leases to core deposits | 112.1823% | 754 |
| Total domestic deposits to total assets | 74.6195% | 5,648 |
| Equity capital to assets | 10.6537% | 3,407 |
| Core capital (leverage) ratio | 8.0467% | 5,874 |
| Tier 1 risk-based capital ratio | 10.4157% | 5,912 |
| Total risk-based capital ratio | 11.8313% | 5,775 |
| Memoranda: | ||
| Average total assets | $19,144,284,500 | 75 |
| Average earning assets | $16,922,979,500 | 75 |
| Average equity | $2,024,463,500 | 79 |
| Average total loans | $14,189,035,250 | 69 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 2,753 |
| Cost of funding earning assets | 0.8999% | 291 |
| Net interest margin | 3.2403% | 4,528 |
| Noninterest income to average assets | 0.3929% | 4,134 |
| Noninterest expense to average assets | 2.2605% | 4,947 |
| Loan and lease loss provision to assets | 0.0461% | 3,195 |
| Net operating income to assets | 0.6551% | 4,100 |
| Return on assets (ROA) | 0.6722% | 4,129 |
| Pretax return on assets | 0.9666% | 3,715 |
| Return on Equity (ROE) | 6.3730% | 3,948 |
| Retained earnings to average equity (ytd only) | 0.3874% | 5,393 |
| Net charge-offs to loans | 0.0561% | 2,607 |
| Credit loss provision to net charge-offs | 112.3590% | 1,898 |
| Earnings coverage of net charge-offs (x) | 24.0815% | 1,580 |
| Efficiency ratio | 68.1273% | 3,650 |
| Assets per employee ($millions) | 6.6490% | 987 |
| Cash dividends to net income (ytd only)* | 93.9217% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 5,796 |
| Loan loss allowance to noncurrent loans | 100.2818% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 3,515 |
| Noncurrent loans to loans | 0.7080% | 3,366 |
| Net loans and leases to total assets | 74.6134% | 1,567 |
| Net loans and leases to deposits | 99.7608% | 679 |
| Net loans and leases to core deposits | 109.4707% | 862 |
| Total domestic deposits to total assets | 74.7923% | 5,725 |
| Equity capital to assets | 10.7932% | 3,117 |
| Core capital (leverage) ratio | 8.1891% | 5,796 |
| Tier 1 risk-based capital ratio | 10.5954% | 5,886 |
| Total risk-based capital ratio | 12.0298% | 5,750 |
| Memoranda: | ||
| Average total assets | $19,007,138,000 | 77 |
| Average earning assets | $16,751,994,330 | 76 |
| Average equity | $2,004,815,330 | 80 |
| Average total loans | $13,907,047,670 | 71 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 2,715 |
| Cost of funding earning assets | 0.9031% | 285 |
| Net interest margin | 3.2244% | 4,503 |
| Noninterest income to average assets | 0.3602% | 4,323 |
| Noninterest expense to average assets | 2.2923% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6315% | 4,138 |
| Return on assets (ROA) | 0.6674% | 4,090 |
| Pretax return on assets | 0.9500% | 3,694 |
| Return on Equity (ROE) | 6.4032% | 3,828 |
| Retained earnings to average equity (ytd only) | 0.3026% | 5,273 |
| Net charge-offs to loans | -0.0082% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2445% | 3,441 |
| Assets per employee ($millions) | 6.4634% | 1,093 |
| Cash dividends to net income (ytd only)* | 95.2744% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 5,813 |
| Loan loss allowance to noncurrent loans | 98.9711% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 3,502 |
| Noncurrent loans to loans | 0.7548% | 3,369 |
| Net loans and leases to total assets | 71.9029% | 1,820 |
| Net loans and leases to deposits | 95.3837% | 873 |
| Net loans and leases to core deposits | 103.8505% | 1,072 |
| Total domestic deposits to total assets | 75.3828% | 5,797 |
| Equity capital to assets | 10.3705% | 3,688 |
| Core capital (leverage) ratio | 7.6469% | 6,093 |
| Tier 1 risk-based capital ratio | 10.0852% | 6,149 |
| Total risk-based capital ratio | 10.8417% | 6,232 |
| Memoranda: | ||
| Average total assets | $18,873,033,500 | 77 |
| Average earning assets | $16,570,086,500 | 77 |
| Average equity | $1,967,007,000 | 80 |
| Average total loans | $13,618,158,000 | 71 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 2,611 |
| Cost of funding earning assets | 1.0523% | 180 |
| Net interest margin | 3.2462% | 4,768 |
| Noninterest income to average assets | 0.4237% | 4,017 |
| Noninterest expense to average assets | 2.3223% | 5,050 |
| Loan and lease loss provision to assets | 0.0204% | 4,211 |
| Net operating income to assets | 0.7301% | 3,737 |
| Return on assets (ROA) | 0.7335% | 3,825 |
| Pretax return on assets | 0.9370% | 3,752 |
| Return on Equity (ROE) | 7.0530% | 3,592 |
| Retained earnings to average equity (ytd only) | 0.7793% | 5,419 |
| Net charge-offs to loans | 0.1210% | 2,824 |
| Credit loss provision to net charge-offs | 23.4194% | 3,931 |
| Earnings coverage of net charge-offs (x) | 10.9225% | 2,566 |
| Efficiency ratio | 69.1062% | 3,688 |
| Assets per employee ($millions) | 6.4611% | 1,074 |
| Cash dividends to net income (ytd only)* | 88.9514% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7583% | 5,868 |
| Loan loss allowance to noncurrent loans | 92.3097% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 3,427 |
| Noncurrent loans to loans | 0.8214% | 3,261 |
| Net loans and leases to total assets | 71.3216% | 2,029 |
| Net loans and leases to deposits | 94.9234% | 1,002 |
| Net loans and leases to core deposits | 102.4869% | 1,207 |
| Total domestic deposits to total assets | 75.1360% | 5,841 |
| Equity capital to assets | 10.4746% | 3,518 |
| Core capital (leverage) ratio | 7.7902% | 6,103 |
| Tier 1 risk-based capital ratio | 10.1661% | 6,209 |
| Total risk-based capital ratio | 10.9361% | 6,294 |
| Memoranda: | ||
| Average total assets | $16,858,548,600 | 81 |
| Average earning assets | $14,809,654,800 | 83 |
| Average equity | $1,753,341,200 | 83 |
| Average total loans | $12,161,772,200 | 75 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 2,581 |
| Cost of funding earning assets | 1.0652% | 179 |
| Net interest margin | 3.2458% | 4,803 |
| Noninterest income to average assets | 0.3740% | 4,436 |
| Noninterest expense to average assets | 2.2422% | 5,247 |
| Loan and lease loss provision to assets | -0.0059% | 6,078 |
| Net operating income to assets | 0.7749% | 3,535 |
| Return on assets (ROA) | 0.7756% | 3,640 |
| Pretax return on assets | 0.9927% | 3,622 |
| Return on Equity (ROE) | 7.4725% | 3,454 |
| Retained earnings to average equity (ytd only) | 1.1976% | 5,412 |
| Net charge-offs to loans | 0.1179% | 2,627 |
| Credit loss provision to net charge-offs | -6.9038% | 5,230 |
| Earnings coverage of net charge-offs (x) | 11.5807% | 2,407 |
| Efficiency ratio | 67.7178% | 3,909 |
| Assets per employee ($millions) | 6.3591% | 1,107 |
| Cash dividends to net income (ytd only)* | 83.9736% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 5,768 |
| Loan loss allowance to noncurrent loans | 93.2823% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 3,459 |
| Noncurrent loans to loans | 0.9019% | 3,307 |
| Net loans and leases to total assets | 72.2467% | 1,802 |
| Net loans and leases to deposits | 101.3877% | 529 |
| Net loans and leases to core deposits | 109.6640% | 756 |
| Total domestic deposits to total assets | 71.2578% | 6,216 |
| Equity capital to assets | 10.2306% | 3,892 |
| Core capital (leverage) ratio | 7.9030% | 6,131 |
| Tier 1 risk-based capital ratio | 10.2368% | 6,287 |
| Total risk-based capital ratio | 11.0850% | 6,351 |
| Memoranda: | ||
| Average total assets | $16,377,604,750 | 83 |
| Average earning assets | $14,401,508,250 | 84 |
| Average equity | $1,699,833,250 | 87 |
| Average total loans | $11,827,663,500 | 76 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3397% | 2,431 |
| Cost of funding earning assets | 1.0602% | 185 |
| Net interest margin | 3.2795% | 4,670 |
| Noninterest income to average assets | 0.3920% | 4,298 |
| Noninterest expense to average assets | 2.2889% | 5,179 |
| Loan and lease loss provision to assets | -0.0089% | 6,228 |
| Net operating income to assets | 0.8106% | 3,273 |
| Return on assets (ROA) | 0.8106% | 3,379 |
| Pretax return on assets | 0.9942% | 3,500 |
| Return on Equity (ROE) | 7.7720% | 3,221 |
| Retained earnings to average equity (ytd only) | 1.8777% | 4,949 |
| Net charge-offs to loans | 0.1681% | 2,049 |
| Credit loss provision to net charge-offs | -7.3352% | 5,070 |
| Earnings coverage of net charge-offs (x) | 8.1417% | 2,529 |
| Efficiency ratio | 68.1425% | 3,981 |
| Assets per employee ($millions) | 6.1339% | 1,208 |
| Cash dividends to net income (ytd only)* | 75.8403% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 5,811 |
| Loan loss allowance to noncurrent loans | 85.2495% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 3,290 |
| Noncurrent loans to loans | 1.0219% | 3,192 |
| Net loans and leases to total assets | 71.8435% | 1,772 |
| Net loans and leases to deposits | 102.3568% | 427 |
| Net loans and leases to core deposits | 108.5680% | 743 |
| Total domestic deposits to total assets | 70.1893% | 6,349 |
| Equity capital to assets | 10.4670% | 3,478 |
| Core capital (leverage) ratio | 7.9762% | 6,113 |
| Tier 1 risk-based capital ratio | 10.5566% | 6,229 |
| Total risk-based capital ratio | 11.6085% | 6,254 |
| Memoranda: | ||
| Average total assets | $16,266,244,330 | 82 |
| Average earning assets | $14,295,648,000 | 82 |
| Average equity | $1,696,544,330 | 85 |
| Average total loans | $11,711,525,330 | 75 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 2,539 |
| Cost of funding earning assets | 1.0535% | 204 |
| Net interest margin | 3.2422% | 4,769 |
| Noninterest income to average assets | 0.4802% | 3,563 |
| Noninterest expense to average assets | 2.2972% | 5,200 |
| Loan and lease loss provision to assets | 0.1219% | 1,974 |
| Net operating income to assets | 0.8676% | 2,810 |
| Return on assets (ROA) | 0.8674% | 2,878 |
| Pretax return on assets | 0.9061% | 3,677 |
| Return on Equity (ROE) | 8.3315% | 2,776 |
| Retained earnings to average equity (ytd only) | 3.5994% | 3,971 |
| Net charge-offs to loans | 0.4071% | 890 |
| Credit loss provision to net charge-offs | 41.7355% | 2,285 |
| Earnings coverage of net charge-offs (x) | 3.5202% | 2,672 |
| Efficiency ratio | 67.3380% | 4,309 |
| Assets per employee ($millions) | 6.0739% | 1,255 |
| Cash dividends to net income (ytd only)* | 56.7972% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9099% | 5,840 |
| Loan loss allowance to noncurrent loans | 72.6050% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.0736% | 3,109 |
| Noncurrent loans to loans | 1.2533% | 2,945 |
| Net loans and leases to total assets | 71.1738% | 1,697 |
| Net loans and leases to deposits | 102.8720% | 337 |
| Net loans and leases to core deposits | 107.3666% | 700 |
| Total domestic deposits to total assets | 69.1867% | 6,477 |
| Equity capital to assets | 10.4153% | 3,340 |
| Core capital (leverage) ratio | 7.9924% | 6,127 |
| Tier 1 risk-based capital ratio | 10.5656% | 6,313 |
| Total risk-based capital ratio | 11.6518% | 6,324 |
| Memoranda: | ||
| Average total assets | $16,238,263,500 | 79 |
| Average earning assets | $14,250,642,500 | 83 |
| Average equity | $1,690,595,000 | 83 |
| Average total loans | $11,652,540,000 | 74 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4074% | 2,561 |
| Cost of funding earning assets | 1.1172% | 260 |
| Net interest margin | 3.2902% | 4,699 |
| Noninterest income to average assets | 0.7046% | 2,515 |
| Noninterest expense to average assets | 2.3658% | 5,180 |
| Loan and lease loss provision to assets | 0.0930% | 3,251 |
| Net operating income to assets | 0.8165% | 3,210 |
| Return on assets (ROA) | 0.8833% | 2,951 |
| Pretax return on assets | 1.2086% | 2,541 |
| Return on Equity (ROE) | 8.4841% | 2,788 |
| Retained earnings to average equity (ytd only) | 1.2888% | 5,250 |
| Net charge-offs to loans | 0.2810% | 2,293 |
| Credit loss provision to net charge-offs | 47.3203% | 3,884 |
| Earnings coverage of net charge-offs (x) | 6.1580% | 3,119 |
| Efficiency ratio | 64.7185% | 4,785 |
| Assets per employee ($millions) | 5.8261% | 1,385 |
| Cash dividends to net income (ytd only)* | 84.8092% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 5,653 |
| Loan loss allowance to noncurrent loans | 64.9442% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.2808% | 2,858 |
| Noncurrent loans to loans | 1.5110% | 2,631 |
| Net loans and leases to total assets | 70.9879% | 1,843 |
| Net loans and leases to deposits | 100.9833% | 437 |
| Net loans and leases to core deposits | 105.7867% | 804 |
| Total domestic deposits to total assets | 70.2967% | 6,511 |
| Equity capital to assets | 10.4071% | 3,279 |
| Core capital (leverage) ratio | 7.9034% | 6,200 |
| Tier 1 risk-based capital ratio | 10.4877% | 6,370 |
| Total risk-based capital ratio | 11.6484% | 6,353 |
| Memoranda: | ||
| Average total assets | $16,018,206,200 | 77 |
| Average earning assets | $13,978,625,800 | 81 |
| Average equity | $1,667,751,400 | 83 |
| Average total loans | $11,201,279,400 | 72 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 2,612 |
| Cost of funding earning assets | 1.1255% | 266 |
| Net interest margin | 3.2697% | 4,751 |
| Noninterest income to average assets | 0.6895% | 2,669 |
| Noninterest expense to average assets | 2.3648% | 5,131 |
| Loan and lease loss provision to assets | 0.0706% | 3,653 |
| Net operating income to assets | 0.7813% | 3,449 |
| Return on assets (ROA) | 0.8050% | 3,454 |
| Pretax return on assets | 1.1367% | 2,961 |
| Return on Equity (ROE) | 7.7308% | 3,274 |
| Retained earnings to average equity (ytd only) | 0.9221% | 5,611 |
| Net charge-offs to loans | 0.3130% | 1,976 |
| Credit loss provision to net charge-offs | 32.4449% | 3,847 |
| Earnings coverage of net charge-offs (x) | 5.3976% | 3,202 |
| Efficiency ratio | 65.4607% | 4,583 |
| Assets per employee ($millions) | 5.6811% | 1,469 |
| Cash dividends to net income (ytd only)* | 88.0719% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9870% | 5,779 |
| Loan loss allowance to noncurrent loans | 54.2004% | 5,048 |
| Noncurrent assets plus other real estate owned to assets | 1.7829% | 2,300 |
| Noncurrent loans to loans | 1.8210% | 2,467 |
| Net loans and leases to total assets | 70.7481% | 1,830 |
| Net loans and leases to deposits | 100.1309% | 463 |
| Net loans and leases to core deposits | 104.9644% | 820 |
| Total domestic deposits to total assets | 70.6556% | 6,570 |
| Equity capital to assets | 10.4639% | 3,319 |
| Core capital (leverage) ratio | 7.9187% | 6,267 |
| Tier 1 risk-based capital ratio | 10.4892% | 6,453 |
| Total risk-based capital ratio | 11.6558% | 6,447 |
| Memoranda: | ||
| Average total assets | $15,985,282,000 | 76 |
| Average earning assets | $13,929,637,000 | 78 |
| Average equity | $1,664,506,750 | 83 |
| Average total loans | $11,107,074,250 | 71 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3934% | 2,586 |
| Cost of funding earning assets | 1.1322% | 286 |
| Net interest margin | 3.2612% | 4,727 |
| Noninterest income to average assets | 0.7802% | 2,274 |
| Noninterest expense to average assets | 2.3613% | 5,174 |
| Loan and lease loss provision to assets | 0.0523% | 3,938 |
| Net operating income to assets | 0.8301% | 3,149 |
| Return on assets (ROA) | 0.8645% | 3,127 |
| Pretax return on assets | 1.2515% | 2,477 |
| Return on Equity (ROE) | 8.3159% | 2,937 |
| Retained earnings to average equity (ytd only) | 2.3010% | 4,820 |
| Net charge-offs to loans | 0.3077% | 1,957 |
| Credit loss provision to net charge-offs | 24.6812% | 3,666 |
| Earnings coverage of net charge-offs (x) | 5.9204% | 2,805 |
| Efficiency ratio | 64.0943% | 4,858 |
| Assets per employee ($millions) | 5.5125% | 1,575 |
| Cash dividends to net income (ytd only)* | 72.3306% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 5,537 |
| Loan loss allowance to noncurrent loans | 53.3243% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 1.8908% | 2,288 |
| Noncurrent loans to loans | 2.0147% | 2,382 |
| Net loans and leases to total assets | 67.7421% | 2,298 |
| Net loans and leases to deposits | 95.7948% | 692 |
| Net loans and leases to core deposits | 101.0050% | 1,005 |
| Total domestic deposits to total assets | 70.7158% | 6,630 |
| Equity capital to assets | 10.5046% | 3,299 |
| Core capital (leverage) ratio | 7.9573% | 6,213 |
| Tier 1 risk-based capital ratio | 10.7683% | 6,423 |
| Total risk-based capital ratio | 12.1678% | 6,341 |
| Memoranda: | ||
| Average total assets | $15,992,382,670 | 75 |
| Average earning assets | $13,902,695,330 | 78 |
| Average equity | $1,662,522,330 | 83 |
| Average total loans | $11,007,168,330 | 70 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3956% | 2,540 |
| Cost of funding earning assets | 1.1378% | 307 |
| Net interest margin | 3.2578% | 4,695 |
| Noninterest income to average assets | 0.7324% | 2,417 |
| Noninterest expense to average assets | 2.3702% | 5,199 |
| Loan and lease loss provision to assets | 0.0386% | 3,948 |
| Net operating income to assets | 0.7866% | 3,236 |
| Return on assets (ROA) | 0.8537% | 3,021 |
| Pretax return on assets | 1.2565% | 2,391 |
| Return on Equity (ROE) | 8.2550% | 2,841 |
| Retained earnings to average equity (ytd only) | 3.4220% | 4,199 |
| Net charge-offs to loans | 0.3586% | 1,567 |
| Credit loss provision to net charge-offs | 15.5944% | 3,096 |
| Earnings coverage of net charge-offs (x) | 4.8357% | 2,467 |
| Efficiency ratio | 65.3315% | 4,773 |
| Assets per employee ($millions) | 5.5704% | 1,602 |
| Cash dividends to net income (ytd only)* | 58.5463% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 5,552 |
| Loan loss allowance to noncurrent loans | 50.4883% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.9693% | 2,380 |
| Noncurrent loans to loans | 2.2046% | 2,381 |
| Net loans and leases to total assets | 67.5917% | 2,092 |
| Net loans and leases to deposits | 95.3759% | 572 |
| Net loans and leases to core deposits | 100.8775% | 899 |
| Total domestic deposits to total assets | 70.8688% | 6,717 |
| Equity capital to assets | 10.3903% | 3,686 |
| Core capital (leverage) ratio | 7.9838% | 6,159 |
| Tier 1 risk-based capital ratio | 10.8475% | 6,467 |
| Total risk-based capital ratio | 12.3062% | 6,354 |
| Memoranda: | ||
| Average total assets | $16,006,474,500 | 75 |
| Average earning assets | $13,925,952,500 | 78 |
| Average equity | $1,655,294,500 | 85 |
| Average total loans | $11,044,789,500 | 69 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 1,640 |
| Cost of funding earning assets | 1.2421% | 478 |
| Net interest margin | 3.7284% | 3,530 |
| Noninterest income to average assets | 0.7665% | 2,410 |
| Noninterest expense to average assets | 2.3797% | 5,470 |
| Loan and lease loss provision to assets | 0.1646% | 3,550 |
| Net operating income to assets | 0.9900% | 2,382 |
| Return on assets (ROA) | 0.9784% | 2,656 |
| Pretax return on assets | 1.4374% | 1,910 |
| Return on Equity (ROE) | 9.6446% | 2,337 |
| Retained earnings to average equity (ytd only) | 0.4671% | 5,618 |
| Net charge-offs to loans | 0.2666% | 3,340 |
| Credit loss provision to net charge-offs | 87.6821% | 3,564 |
| Earnings coverage of net charge-offs (x) | 8.6233% | 2,378 |
| Efficiency ratio | 57.9391% | 5,843 |
| Assets per employee ($millions) | 5.4976% | 1,687 |
| Cash dividends to net income (ytd only)* | 95.1568% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 5,270 |
| Loan loss allowance to noncurrent loans | 50.9079% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 1.9810% | 2,476 |
| Noncurrent loans to loans | 2.2952% | 2,356 |
| Net loans and leases to total assets | 68.8383% | 2,060 |
| Net loans and leases to deposits | 97.2542% | 548 |
| Net loans and leases to core deposits | 102.9310% | 839 |
| Total domestic deposits to total assets | 70.7818% | 6,759 |
| Equity capital to assets | 10.2925% | 3,769 |
| Core capital (leverage) ratio | 7.8448% | 6,314 |
| Tier 1 risk-based capital ratio | 10.5374% | 6,541 |
| Total risk-based capital ratio | 12.0508% | 6,402 |
| Memoranda: | ||
| Average total assets | $15,573,922,400 | 73 |
| Average earning assets | $13,501,811,000 | 78 |
| Average equity | $1,579,953,400 | 86 |
| Average total loans | $10,969,617,600 | 70 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0554% | 1,545 |
| Cost of funding earning assets | 1.2601% | 534 |
| Net interest margin | 3.7953% | 3,353 |
| Noninterest income to average assets | 0.7667% | 2,399 |
| Noninterest expense to average assets | 2.3869% | 5,436 |
| Loan and lease loss provision to assets | 0.1757% | 3,378 |
| Net operating income to assets | 1.0010% | 2,492 |
| Return on assets (ROA) | 0.9853% | 2,811 |
| Pretax return on assets | 1.4692% | 2,006 |
| Return on Equity (ROE) | 9.7494% | 2,471 |
| Retained earnings to average equity (ytd only) | -0.9116% | 6,259 |
| Net charge-offs to loans | 0.3043% | 2,916 |
| Credit loss provision to net charge-offs | 81.7362% | 3,574 |
| Earnings coverage of net charge-offs (x) | 7.7601% | 2,556 |
| Efficiency ratio | 57.3337% | 5,878 |
| Assets per employee ($millions) | 5.3623% | 1,771 |
| Cash dividends to net income (ytd only)* | 109.3498% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 5,540 |
| Loan loss allowance to noncurrent loans | 51.8552% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 1.9876% | 2,658 |
| Noncurrent loans to loans | 2.2061% | 2,614 |
| Net loans and leases to total assets | 70.8922% | 1,745 |
| Net loans and leases to deposits | 101.6006% | 373 |
| Net loans and leases to core deposits | 108.4425% | 636 |
| Total domestic deposits to total assets | 69.7754% | 6,857 |
| Equity capital to assets | 10.4506% | 3,900 |
| Core capital (leverage) ratio | 7.7561% | 6,492 |
| Tier 1 risk-based capital ratio | 10.4496% | 6,685 |
| Total risk-based capital ratio | 11.9423% | 6,592 |
| Memoranda: | ||
| Average total assets | $15,467,876,250 | 76 |
| Average earning assets | $13,402,264,500 | 78 |
| Average equity | $1,563,292,250 | 88 |
| Average total loans | $10,926,265,000 | 71 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1234% | 1,445 |
| Cost of funding earning assets | 1.2720% | 593 |
| Net interest margin | 3.8513% | 3,129 |
| Noninterest income to average assets | 0.5892% | 3,326 |
| Noninterest expense to average assets | 2.4034% | 5,452 |
| Loan and lease loss provision to assets | 0.1666% | 3,440 |
| Net operating income to assets | 0.9069% | 2,880 |
| Return on assets (ROA) | 0.9112% | 3,117 |
| Pretax return on assets | 1.3603% | 2,351 |
| Return on Equity (ROE) | 9.1219% | 2,755 |
| Retained earnings to average equity (ytd only) | -5.2050% | 6,630 |
| Net charge-offs to loans | 0.3101% | 2,789 |
| Credit loss provision to net charge-offs | 76.4313% | 3,419 |
| Earnings coverage of net charge-offs (x) | 6.9762% | 2,543 |
| Efficiency ratio | 59.7631% | 5,615 |
| Assets per employee ($millions) | 5.4067% | 1,698 |
| Cash dividends to net income (ytd only)* | 157.0598% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 5,629 |
| Loan loss allowance to noncurrent loans | 50.5729% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 2.0538% | 2,716 |
| Noncurrent loans to loans | 2.2417% | 2,680 |
| Net loans and leases to total assets | 70.7818% | 1,775 |
| Net loans and leases to deposits | 103.3290% | 298 |
| Net loans and leases to core deposits | 109.4534% | 594 |
| Total domestic deposits to total assets | 68.5014% | 6,976 |
| Equity capital to assets | 10.1093% | 4,180 |
| Core capital (leverage) ratio | 7.6540% | 6,540 |
| Tier 1 risk-based capital ratio | 9.9476% | 6,838 |
| Total risk-based capital ratio | 11.5857% | 6,730 |
| Memoranda: | ||
| Average total assets | $15,372,315,330 | 75 |
| Average earning assets | $13,309,799,000 | 78 |
| Average equity | $1,535,575,330 | 89 |
| Average total loans | $10,802,351,670 | 70 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3494% | 1,011 |
| Cost of funding earning assets | 1.3288% | 561 |
| Net interest margin | 4.0206% | 2,412 |
| Noninterest income to average assets | 0.6297% | 3,060 |
| Noninterest expense to average assets | 2.4984% | 5,156 |
| Loan and lease loss provision to assets | 0.1427% | 3,572 |
| Net operating income to assets | 1.0092% | 2,445 |
| Return on assets (ROA) | 1.0063% | 2,647 |
| Pretax return on assets | 1.4603% | 1,988 |
| Return on Equity (ROE) | 10.1388% | 2,347 |
| Retained earnings to average equity (ytd only) | -11.2702% | 6,875 |
| Net charge-offs to loans | 0.2408% | 2,729 |
| Credit loss provision to net charge-offs | 85.2204% | 2,634 |
| Earnings coverage of net charge-offs (x) | 9.5953% | 1,829 |
| Efficiency ratio | 59.5872% | 5,683 |
| Assets per employee ($millions) | 5.4172% | 1,769 |
| Cash dividends to net income (ytd only)* | 211.1598% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 5,537 |
| Loan loss allowance to noncurrent loans | 51.1517% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 2.0300% | 2,855 |
| Noncurrent loans to loans | 2.3264% | 2,783 |
| Net loans and leases to total assets | 69.2484% | 1,900 |
| Net loans and leases to deposits | 99.8765% | 375 |
| Net loans and leases to core deposits | 105.7936% | 680 |
| Total domestic deposits to total assets | 69.3340% | 7,009 |
| Equity capital to assets | 10.1051% | 3,991 |
| Core capital (leverage) ratio | 7.6528% | 6,531 |
| Tier 1 risk-based capital ratio | 10.0234% | 6,875 |
| Total risk-based capital ratio | 11.7094% | 6,746 |
| Memoranda: | ||
| Average total assets | $15,059,263,500 | 75 |
| Average earning assets | $13,019,445,000 | 78 |
| Average equity | $1,494,698,500 | 90 |
| Average total loans | $10,476,616,500 | 71 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4296% | 1,338 |
| Cost of funding earning assets | 1.4978% | 724 |
| Net interest margin | 3.9318% | 3,196 |
| Noninterest income to average assets | 0.6957% | 2,627 |
| Noninterest expense to average assets | 2.3446% | 5,925 |
| Loan and lease loss provision to assets | 0.3699% | 2,772 |
| Net operating income to assets | 0.9469% | 2,428 |
| Return on assets (ROA) | 1.0046% | 2,324 |
| Pretax return on assets | 1.4865% | 1,515 |
| Return on Equity (ROE) | 10.1749% | 1,998 |
| Retained earnings to average equity (ytd only) | 2.0078% | 4,786 |
| Net charge-offs to loans | 0.4545% | 3,167 |
| Credit loss provision to net charge-offs | 120.8412% | 2,630 |
| Earnings coverage of net charge-offs (x) | 5.7877% | 2,686 |
| Efficiency ratio | 55.3751% | 6,380 |
| Assets per employee ($millions) | 5.1513% | 1,997 |
| Cash dividends to net income (ytd only)* | 80.2669% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,611 |
| Loan loss allowance to noncurrent loans | 52.2640% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.1488% | 2,789 |
| Noncurrent loans to loans | 2.6156% | 2,499 |
| Net loans and leases to total assets | 68.0499% | 2,384 |
| Net loans and leases to deposits | 99.3652% | 487 |
| Net loans and leases to core deposits | 104.2515% | 888 |
| Total domestic deposits to total assets | 68.4846% | 7,052 |
| Equity capital to assets | 9.7237% | 4,558 |
| Core capital (leverage) ratio | 7.6835% | 6,543 |
| Tier 1 risk-based capital ratio | 10.4249% | 6,721 |
| Total risk-based capital ratio | 12.2617% | 6,435 |
| Memoranda: | ||
| Average total assets | $14,262,222,600 | 79 |
| Average earning assets | $12,407,180,000 | 78 |
| Average equity | $1,408,096,400 | 91 |
| Average total loans | $9,605,439,000 | 75 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4305% | 1,431 |
| Cost of funding earning assets | 1.5083% | 833 |
| Net interest margin | 3.9222% | 3,264 |
| Noninterest income to average assets | 0.7216% | 2,474 |
| Noninterest expense to average assets | 2.3409% | 5,931 |
| Loan and lease loss provision to assets | 0.3495% | 2,776 |
| Net operating income to assets | 0.9187% | 2,675 |
| Return on assets (ROA) | 1.0334% | 2,360 |
| Pretax return on assets | 1.6306% | 1,303 |
| Return on Equity (ROE) | 10.4282% | 2,060 |
| Retained earnings to average equity (ytd only) | 2.4204% | 4,914 |
| Net charge-offs to loans | 0.3734% | 3,231 |
| Credit loss provision to net charge-offs | 139.8125% | 2,284 |
| Earnings coverage of net charge-offs (x) | 7.2043% | 2,401 |
| Efficiency ratio | 54.9186% | 6,395 |
| Assets per employee ($millions) | 5.1139% | 2,049 |
| Cash dividends to net income (ytd only)* | 76.7897% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 4,539 |
| Loan loss allowance to noncurrent loans | 56.1095% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 1.8406% | 3,347 |
| Noncurrent loans to loans | 2.5040% | 2,764 |
| Net loans and leases to total assets | 66.8411% | 2,707 |
| Net loans and leases to deposits | 97.9519% | 579 |
| Net loans and leases to core deposits | 103.6033% | 1,001 |
| Total domestic deposits to total assets | 68.2387% | 7,128 |
| Equity capital to assets | 9.9605% | 4,395 |
| Core capital (leverage) ratio | 7.6753% | 6,654 |
| Tier 1 risk-based capital ratio | 10.2449% | 6,876 |
| Total risk-based capital ratio | 12.0730% | 6,628 |
| Memoranda: | ||
| Average total assets | $14,281,108,500 | 77 |
| Average earning assets | $12,452,947,000 | 78 |
| Average equity | $1,415,252,750 | 91 |
| Average total loans | $9,559,844,000 | 74 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3891% | 1,597 |
| Cost of funding earning assets | 1.5182% | 945 |
| Net interest margin | 3.8709% | 3,436 |
| Noninterest income to average assets | 0.8108% | 1,966 |
| Noninterest expense to average assets | 2.3202% | 6,064 |
| Loan and lease loss provision to assets | 0.4156% | 2,351 |
| Net operating income to assets | 0.8503% | 2,856 |
| Return on assets (ROA) | 1.0145% | 2,266 |
| Pretax return on assets | 1.7018% | 1,055 |
| Return on Equity (ROE) | 10.2541% | 2,030 |
| Retained earnings to average equity (ytd only) | 2.4811% | 4,703 |
| Net charge-offs to loans | 0.3314% | 3,236 |
| Credit loss provision to net charge-offs | 188.1195% | 1,607 |
| Earnings coverage of net charge-offs (x) | 8.4240% | 2,060 |
| Efficiency ratio | 54.2369% | 6,601 |
| Assets per employee ($millions) | 5.1568% | 1,927 |
| Cash dividends to net income (ytd only)* | 75.8035% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 4,391 |
| Loan loss allowance to noncurrent loans | 54.0747% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.8955% | 3,372 |
| Noncurrent loans to loans | 2.6650% | 2,737 |
| Net loans and leases to total assets | 65.6140% | 3,113 |
| Net loans and leases to deposits | 96.9046% | 656 |
| Net loans and leases to core deposits | 103.8079% | 1,054 |
| Total domestic deposits to total assets | 67.7099% | 7,203 |
| Equity capital to assets | 9.8335% | 4,353 |
| Core capital (leverage) ratio | 7.9447% | 6,363 |
| Tier 1 risk-based capital ratio | 10.5137% | 6,784 |
| Total risk-based capital ratio | 12.5385% | 6,323 |
| Memoranda: | ||
| Average total assets | $14,304,335,330 | 78 |
| Average earning assets | $12,454,253,670 | 79 |
| Average equity | $1,415,159,670 | 92 |
| Average total loans | $9,534,979,670 | 77 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 1,522 |
| Cost of funding earning assets | 1.5374% | 1,025 |
| Net interest margin | 3.8734% | 3,281 |
| Noninterest income to average assets | 1.1221% | 1,043 |
| Noninterest expense to average assets | 2.3399% | 6,080 |
| Loan and lease loss provision to assets | 0.6770% | 1,261 |
| Net operating income to assets | 1.0022% | 2,177 |
| Return on assets (ROA) | 1.0376% | 2,093 |
| Pretax return on assets | 1.5336% | 1,351 |
| Return on Equity (ROE) | 10.4561% | 1,925 |
| Retained earnings to average equity (ytd only) | 1.9594% | 4,948 |
| Net charge-offs to loans | 0.3768% | 2,562 |
| Credit loss provision to net charge-offs | 269.3391% | 1,163 |
| Earnings coverage of net charge-offs (x) | 8.5875% | 1,812 |
| Efficiency ratio | 50.7901% | 6,933 |
| Assets per employee ($millions) | 5.1551% | 1,954 |
| Cash dividends to net income (ytd only)* | 81.2612% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 4,382 |
| Loan loss allowance to noncurrent loans | 54.4075% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.9152% | 3,421 |
| Noncurrent loans to loans | 2.6885% | 2,805 |
| Net loans and leases to total assets | 65.6898% | 3,094 |
| Net loans and leases to deposits | 96.1074% | 682 |
| Net loans and leases to core deposits | 103.7330% | 1,081 |
| Total domestic deposits to total assets | 68.3504% | 7,255 |
| Equity capital to assets | 9.8797% | 3,922 |
| Core capital (leverage) ratio | 7.8942% | 6,374 |
| Tier 1 risk-based capital ratio | 10.4373% | 6,838 |
| Total risk-based capital ratio | 12.4571% | 6,317 |
| Memoranda: | ||
| Average total assets | $14,231,841,000 | 79 |
| Average earning assets | $12,405,204,000 | 80 |
| Average equity | $1,412,303,500 | 93 |
| Average total loans | $9,492,765,500 | 77 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4321% | 2,535 |
| Cost of funding earning assets | 1.6146% | 1,982 |
| Net interest margin | 3.8175% | 3,878 |
| Noninterest income to average assets | 0.6329% | 3,262 |
| Noninterest expense to average assets | 2.2187% | 6,573 |
| Loan and lease loss provision to assets | 0.3473% | 4,047 |
| Net operating income to assets | 0.9857% | 2,085 |
| Return on assets (ROA) | 1.0195% | 2,082 |
| Pretax return on assets | 1.4641% | 1,470 |
| Return on Equity (ROE) | 10.6011% | 1,722 |
| Retained earnings to average equity (ytd only) | 5.8411% | 1,911 |
| Net charge-offs to loans | 0.2807% | 4,617 |
| Credit loss provision to net charge-offs | 185.3685% | 1,774 |
| Earnings coverage of net charge-offs (x) | 9.4100% | 1,827 |
| Efficiency ratio | 54.3532% | 6,768 |
| Assets per employee ($millions) | 5.1920% | 1,871 |
| Cash dividends to net income (ytd only)* | 44.9004% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 4,883 |
| Loan loss allowance to noncurrent loans | 115.9584% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8909% | 5,233 |
| Noncurrent loans to loans | 1.1411% | 4,829 |
| Net loans and leases to total assets | 65.8544% | 3,499 |
| Net loans and leases to deposits | 98.4754% | 677 |
| Net loans and leases to core deposits | 103.5999% | 1,338 |
| Total domestic deposits to total assets | 66.8739% | 7,364 |
| Equity capital to assets | 9.9681% | 3,782 |
| Core capital (leverage) ratio | 7.8960% | 6,322 |
| Tier 1 risk-based capital ratio | 10.4027% | 6,757 |
| Total risk-based capital ratio | 12.3818% | 6,202 |
| Memoranda: | ||
| Average total assets | $14,199,641,600 | 77 |
| Average earning assets | $12,457,154,600 | 79 |
| Average equity | $1,365,570,800 | 91 |
| Average total loans | $9,477,394,600 | 77 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4664% | 2,576 |
| Cost of funding earning assets | 1.6286% | 2,226 |
| Net interest margin | 3.8377% | 3,805 |
| Noninterest income to average assets | 0.5518% | 3,774 |
| Noninterest expense to average assets | 2.2034% | 6,596 |
| Loan and lease loss provision to assets | 0.3197% | 4,033 |
| Net operating income to assets | 0.9673% | 2,345 |
| Return on assets (ROA) | 0.9665% | 2,473 |
| Pretax return on assets | 1.3957% | 1,887 |
| Return on Equity (ROE) | 10.1424% | 2,070 |
| Retained earnings to average equity (ytd only) | 6.2066% | 2,256 |
| Net charge-offs to loans | 0.3132% | 4,084 |
| Credit loss provision to net charge-offs | 152.9085% | 2,529 |
| Earnings coverage of net charge-offs (x) | 8.2097% | 2,192 |
| Efficiency ratio | 54.5971% | 6,732 |
| Assets per employee ($millions) | 3.7606% | 4,366 |
| Cash dividends to net income (ytd only)* | 38.8056% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 5,534 |
| Loan loss allowance to noncurrent loans | 103.4728% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.9042% | 5,296 |
| Noncurrent loans to loans | 1.1527% | 4,935 |
| Net loans and leases to total assets | 67.0040% | 3,462 |
| Net loans and leases to deposits | 100.7846% | 601 |
| Net loans and leases to core deposits | 105.9179% | 1,335 |
| Total domestic deposits to total assets | 66.4824% | 7,453 |
| Equity capital to assets | 9.8602% | 4,341 |
| Core capital (leverage) ratio | 7.8318% | 6,542 |
| Tier 1 risk-based capital ratio | 10.1578% | 6,978 |
| Total risk-based capital ratio | 12.0106% | 6,565 |
| Memoranda: | ||
| Average total assets | $14,219,018,000 | 77 |
| Average earning assets | $12,478,736,500 | 78 |
| Average equity | $1,355,037,750 | 91 |
| Average total loans | $9,490,555,000 | 76 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4458% | 2,768 |
| Cost of funding earning assets | 1.6418% | 2,425 |
| Net interest margin | 3.8040% | 3,875 |
| Noninterest income to average assets | 0.5547% | 3,669 |
| Noninterest expense to average assets | 2.1968% | 6,655 |
| Loan and lease loss provision to assets | 0.3484% | 3,633 |
| Net operating income to assets | 0.9333% | 2,427 |
| Return on assets (ROA) | 0.9321% | 2,521 |
| Pretax return on assets | 1.3470% | 1,957 |
| Return on Equity (ROE) | 9.8933% | 2,140 |
| Retained earnings to average equity (ytd only) | 6.9178% | 1,877 |
| Net charge-offs to loans | 0.3420% | 3,634 |
| Credit loss provision to net charge-offs | 153.4165% | 2,563 |
| Earnings coverage of net charge-offs (x) | 7.4737% | 2,293 |
| Efficiency ratio | 54.9248% | 6,772 |
| Assets per employee ($millions) | 5.1621% | 1,970 |
| Cash dividends to net income (ytd only)* | 30.0756% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 5,590 |
| Loan loss allowance to noncurrent loans | 100.9636% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8996% | 5,320 |
| Noncurrent loans to loans | 1.1611% | 5,019 |
| Net loans and leases to total assets | 66.1890% | 3,789 |
| Net loans and leases to deposits | 98.0632% | 869 |
| Net loans and leases to core deposits | 103.7095% | 1,668 |
| Total domestic deposits to total assets | 67.4963% | 7,448 |
| Equity capital to assets | 9.7051% | 4,401 |
| Core capital (leverage) ratio | 7.6483% | 6,678 |
| Tier 1 risk-based capital ratio | 10.0529% | 6,992 |
| Total risk-based capital ratio | 12.0688% | 6,418 |
| Memoranda: | ||
| Average total assets | $14,269,238,670 | 74 |
| Average earning assets | $12,525,840,330 | 75 |
| Average equity | $1,344,328,670 | 90 |
| Average total loans | $9,474,022,330 | 76 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 3,078 |
| Cost of funding earning assets | 1.6457% | 2,676 |
| Net interest margin | 3.7450% | 4,030 |
| Noninterest income to average assets | 0.5654% | 3,520 |
| Noninterest expense to average assets | 2.1665% | 6,767 |
| Loan and lease loss provision to assets | 0.3477% | 3,296 |
| Net operating income to assets | 0.9266% | 2,444 |
| Return on assets (ROA) | 0.8933% | 2,648 |
| Pretax return on assets | 1.2942% | 2,062 |
| Return on Equity (ROE) | 9.6244% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.6244% | 1,230 |
| Net charge-offs to loans | 0.4628% | 2,657 |
| Credit loss provision to net charge-offs | 113.6211% | 3,055 |
| Earnings coverage of net charge-offs (x) | 5.5233% | 2,384 |
| Efficiency ratio | 54.9492% | 6,895 |
| Assets per employee ($millions) | 5.3548% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 6,107 |
| Loan loss allowance to noncurrent loans | 108.1958% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 5,658 |
| Noncurrent loans to loans | 0.9975% | 5,327 |
| Net loans and leases to total assets | 65.6261% | 3,949 |
| Net loans and leases to deposits | 96.0113% | 1,105 |
| Net loans and leases to core deposits | 102.0202% | 1,906 |
| Total domestic deposits to total assets | 68.3524% | 7,512 |
| Equity capital to assets | 9.3482% | 4,763 |
| Core capital (leverage) ratio | 7.6146% | 6,722 |
| Tier 1 risk-based capital ratio | 9.8138% | 7,145 |
| Total risk-based capital ratio | 11.7337% | 6,642 |
| Memoranda: | ||
| Average total assets | $14,357,623,500 | 74 |
| Average earning assets | $12,617,739,500 | 73 |
| Average equity | $1,332,648,500 | 90 |
| Average total loans | $9,491,878,000 | 76 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5925% | 3,646 |
| Cost of funding earning assets | 1.9755% | 3,078 |
| Net interest margin | 3.6170% | 4,490 |
| Noninterest income to average assets | 0.5941% | 3,677 |
| Noninterest expense to average assets | 2.1115% | 7,161 |
| Loan and lease loss provision to assets | 0.3335% | 4,808 |
| Net operating income to assets | 0.9352% | 2,070 |
| Return on assets (ROA) | 0.9452% | 2,079 |
| Pretax return on assets | 1.3778% | 1,486 |
| Return on Equity (ROE) | 10.5382% | 1,540 |
| Retained earnings to average equity (ytd only) | 1.2084% | 4,194 |
| Net charge-offs to loans | 0.4021% | 4,215 |
| Credit loss provision to net charge-offs | 122.3826% | 4,322 |
| Earnings coverage of net charge-offs (x) | 6.2265% | 2,411 |
| Efficiency ratio | 54.1849% | 7,213 |
| Assets per employee ($millions) | 5.2301% | 1,917 |
| Cash dividends to net income (ytd only)* | 88.5328% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 5,969 |
| Loan loss allowance to noncurrent loans | 105.0490% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 5,695 |
| Noncurrent loans to loans | 1.0333% | 5,252 |
| Net loans and leases to total assets | 65.1605% | 4,348 |
| Net loans and leases to deposits | 96.0565% | 1,321 |
| Net loans and leases to core deposits | 112.3601% | 2,661 |
| Total domestic deposits to total assets | 67.8356% | 7,561 |
| Equity capital to assets | 9.2145% | 4,824 |
| Core capital (leverage) ratio | 7.3627% | 6,923 |
| Tier 1 risk-based capital ratio | 9.6206% | 7,143 |
| Total risk-based capital ratio | 11.5269% | 6,582 |
| Memoranda: | ||
| Average total assets | $14,339,588,000 | 75 |
| Average earning assets | $12,742,437,800 | 73 |
| Average equity | $1,286,208,600 | 93 |
| Average total loans | $9,718,731,600 | 73 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6472% | 3,589 |
| Cost of funding earning assets | 2.0367% | 3,179 |
| Net interest margin | 3.6105% | 4,441 |
| Noninterest income to average assets | 0.6068% | 3,644 |
| Noninterest expense to average assets | 2.1028% | 7,193 |
| Loan and lease loss provision to assets | 0.3311% | 4,356 |
| Net operating income to assets | 0.9586% | 2,205 |
| Return on assets (ROA) | 0.9259% | 2,393 |
| Pretax return on assets | 1.3402% | 1,847 |
| Return on Equity (ROE) | 10.3933% | 1,788 |
| Retained earnings to average equity (ytd only) | 1.0127% | 4,746 |
| Net charge-offs to loans | 0.3463% | 3,906 |
| Credit loss provision to net charge-offs | 140.0849% | 3,518 |
| Earnings coverage of net charge-offs (x) | 7.2725% | 2,435 |
| Efficiency ratio | 53.6808% | 7,269 |
| Assets per employee ($millions) | 5.2108% | 1,875 |
| Cash dividends to net income (ytd only)* | 90.2563% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 5,807 |
| Loan loss allowance to noncurrent loans | 106.4928% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 5,708 |
| Noncurrent loans to loans | 1.0198% | 5,267 |
| Net loans and leases to total assets | 66.3077% | 4,351 |
| Net loans and leases to deposits | 98.1174% | 1,316 |
| Net loans and leases to core deposits | 115.6899% | 2,656 |
| Total domestic deposits to total assets | 67.5799% | 7,604 |
| Equity capital to assets | 9.2232% | 5,131 |
| Core capital (leverage) ratio | 7.4252% | 7,055 |
| Tier 1 risk-based capital ratio | 9.4506% | 7,406 |
| Total risk-based capital ratio | 11.3423% | 6,832 |
| Memoranda: | ||
| Average total assets | $14,358,836,250 | 80 |
| Average earning assets | $12,784,580,750 | 79 |
| Average equity | $1,279,203,500 | 97 |
| Average total loans | $9,799,523,750 | 74 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6780% | 3,677 |
| Cost of funding earning assets | 2.1216% | 3,182 |
| Net interest margin | 3.5564% | 4,549 |
| Noninterest income to average assets | 0.6234% | 3,510 |
| Noninterest expense to average assets | 2.1258% | 7,223 |
| Loan and lease loss provision to assets | 0.3190% | 4,035 |
| Net operating income to assets | 0.9334% | 2,334 |
| Return on assets (ROA) | 0.8917% | 2,600 |
| Pretax return on assets | 1.2837% | 2,071 |
| Return on Equity (ROE) | 10.1265% | 1,981 |
| Retained earnings to average equity (ytd only) | 0.6682% | 4,921 |
| Net charge-offs to loans | 0.3127% | 3,626 |
| Credit loss provision to net charge-offs | 148.6001% | 3,109 |
| Earnings coverage of net charge-offs (x) | 7.7478% | 2,395 |
| Efficiency ratio | 54.7023% | 7,257 |
| Assets per employee ($millions) | 5.1426% | 1,919 |
| Cash dividends to net income (ytd only)* | 93.4012% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 5,944 |
| Loan loss allowance to noncurrent loans | 130.4303% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5828% | 5,959 |
| Noncurrent loans to loans | 0.8009% | 5,629 |
| Net loans and leases to total assets | 67.6422% | 4,225 |
| Net loans and leases to deposits | 100.1153% | 1,278 |
| Net loans and leases to core deposits | 117.7327% | 2,566 |
| Total domestic deposits to total assets | 67.5643% | 7,650 |
| Equity capital to assets | 9.1441% | 5,107 |
| Core capital (leverage) ratio | 7.3140% | 7,225 |
| Tier 1 risk-based capital ratio | 9.2796% | 7,557 |
| Total risk-based capital ratio | 11.1291% | 6,993 |
| Memoranda: | ||
| Average total assets | $14,408,516,670 | 83 |
| Average earning assets | $12,824,970,330 | 84 |
| Average equity | $1,268,736,670 | 103 |
| Average total loans | $9,890,821,330 | 78 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6546% | 4,022 |
| Cost of funding earning assets | 2.1988% | 3,173 |
| Net interest margin | 3.4558% | 4,914 |
| Noninterest income to average assets | 0.5334% | 4,036 |
| Noninterest expense to average assets | 2.0930% | 7,130 |
| Loan and lease loss provision to assets | 0.2723% | 3,778 |
| Net operating income to assets | 0.8717% | 2,833 |
| Return on assets (ROA) | 0.8292% | 3,153 |
| Pretax return on assets | 1.1834% | 2,677 |
| Return on Equity (ROE) | 9.5958% | 2,496 |
| Retained earnings to average equity (ytd only) | 0.0563% | 5,631 |
| Net charge-offs to loans | 0.2893% | 2,958 |
| Credit loss provision to net charge-offs | 136.8407% | 2,966 |
| Earnings coverage of net charge-offs (x) | 7.6203% | 2,320 |
| Efficiency ratio | 55.8437% | 6,991 |
| Assets per employee ($millions) | 5.3425% | 1,702 |
| Cash dividends to net income (ytd only)* | 99.4135% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 6,363 |
| Loan loss allowance to noncurrent loans | 157.5582% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 6,110 |
| Noncurrent loans to loans | 0.6162% | 5,856 |
| Net loans and leases to total assets | 67.8668% | 4,168 |
| Net loans and leases to deposits | 100.7603% | 1,307 |
| Net loans and leases to core deposits | 123.8166% | 2,096 |
| Total domestic deposits to total assets | 67.3547% | 7,645 |
| Equity capital to assets | 8.7827% | 5,652 |
| Core capital (leverage) ratio | 7.1059% | 7,554 |
| Tier 1 risk-based capital ratio | 9.3529% | 7,546 |
| Total risk-based capital ratio | 11.1915% | 6,892 |
| Memoranda: | ||
| Average total assets | $14,557,115,500 | 84 |
| Average earning assets | $12,957,160,000 | 84 |
| Average equity | $1,257,926,000 | 104 |
| Average total loans | $10,013,245,500 | 80 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0598% | 5,249 |
| Cost of funding earning assets | 2.4685% | 4,372 |
| Net interest margin | 3.5913% | 4,927 |
| Noninterest income to average assets | 0.4923% | 4,663 |
| Noninterest expense to average assets | 2.0771% | 7,286 |
| Loan and lease loss provision to assets | 0.2150% | 4,740 |
| Net operating income to assets | 1.1878% | 1,810 |
| Return on assets (ROA) | 0.6907% | 3,768 |
| Pretax return on assets | 0.8159% | 4,006 |
| Return on Equity (ROE) | 8.3143% | 2,936 |
| Retained earnings to average equity (ytd only) | -1.4804% | 5,734 |
| Net charge-offs to loans | 0.2142% | 4,068 |
| Credit loss provision to net charge-offs | 146.1109% | 3,610 |
| Earnings coverage of net charge-offs (x) | 10.9815% | 2,436 |
| Efficiency ratio | 54.8033% | 7,172 |
| Assets per employee ($millions) | 5.2821% | 1,656 |
| Cash dividends to net income (ytd only)* | 117.8058% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 6,574 |
| Loan loss allowance to noncurrent loans | 191.7457% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 6,079 |
| Noncurrent loans to loans | 0.4792% | 5,912 |
| Net loans and leases to total assets | 68.4004% | 4,391 |
| Net loans and leases to deposits | 105.5650% | 1,162 |
| Net loans and leases to core deposits | 129.0130% | 1,927 |
| Total domestic deposits to total assets | 64.7946% | 7,736 |
| Equity capital to assets | 8.5027% | 6,076 |
| Core capital (leverage) ratio | 7.0875% | 7,625 |
| Tier 1 risk-based capital ratio | 8.9107% | 7,839 |
| Total risk-based capital ratio | 10.6520% | 7,332 |
| Memoranda: | ||
| Average total assets | $13,517,985,400 | 90 |
| Average earning assets | $12,047,046,800 | 88 |
| Average equity | $1,123,051,400 | 105 |
| Average total loans | $9,286,280,800 | 87 |