| 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 | 7.5550% | 153 |
| Cost of funding earning assets | 3.7593% | 50 |
| Net interest margin | 3.7957% | 1,570 |
| Noninterest income to average assets | 1.3700% | 435 |
| Noninterest expense to average assets | 2.5980% | 2,010 |
| Loan and lease loss provision to assets | 1.0700% | 64 |
| Net operating income to assets | 0.9044% | 2,537 |
| Return on assets (ROA) | 0.9057% | 2,504 |
| Pretax return on assets | 1.1316% | 2,314 |
| Return on Equity (ROE) | 12.4000% | 1,863 |
| Retained earnings to average equity (ytd only) | 2.4357% | 3,468 |
| Net charge-offs to loans | 1.5281% | 59 |
| Credit loss provision to net charge-offs | 94.0982% | 1,913 |
| Earnings coverage of net charge-offs (x) | 1.9254% | 2,734 |
| Efficiency ratio | 52.3210% | 3,801 |
| Assets per employee ($millions) | 18.9121% | 114 |
| Cash dividends to net income (ytd only)* | 80.3571% | 575 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5495% | 184 |
| Loan loss allowance to noncurrent loans | 259.8272% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 687 |
| Noncurrent loans to loans | 0.9812% | 754 |
| Net loans and leases to total assets | 74.1200% | 1,350 |
| Net loans and leases to deposits | 86.7561% | 1,554 |
| Net loans and leases to core deposits | 98.3180% | 1,528 |
| Total domestic deposits to total assets | 85.4400% | 2,176 |
| Equity capital to assets | 7.3568% | 3,787 |
| Core capital (leverage) ratio | 9.0726% | 3,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4975% | 2,412 |
| Memoranda: |
| Average total assets | $185,491,600,000 | 21 |
| Average earning assets | $167,690,400,000 | 21 |
| Average equity | $13,548,600,000 | 23 |
| Average total loans | $138,606,000,000 | 12 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4484% | 146 |
| Cost of funding earning assets | 3.6266% | 54 |
| Net interest margin | 3.8218% | 1,554 |
| Noninterest income to average assets | 1.4000% | 424 |
| Noninterest expense to average assets | 2.5107% | 2,208 |
| Loan and lease loss provision to assets | 1.0100% | 63 |
| Net operating income to assets | 1.0572% | 2,197 |
| Return on assets (ROA) | 1.0590% | 2,178 |
| Pretax return on assets | 1.3402% | 1,928 |
| Return on Equity (ROE) | 14.5200% | 1,544 |
| Retained earnings to average equity (ytd only) | 4.6572% | 3,058 |
| Net charge-offs to loans | 1.2350% | 77 |
| Credit loss provision to net charge-offs | 110.1018% | 1,547 |
| Earnings coverage of net charge-offs (x) | 2.5513% | 2,476 |
| Efficiency ratio | 51.5412% | 3,795 |
| Assets per employee ($millions) | 17.7877% | 123 |
| Cash dividends to net income (ytd only)* | 67.9348% | 706 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7534% | 154 |
| Loan loss allowance to noncurrent loans | 258.3946% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 685 |
| Noncurrent loans to loans | 1.0656% | 750 |
| Net loans and leases to total assets | 73.4600% | 1,410 |
| Net loans and leases to deposits | 86.5171% | 1,510 |
| Net loans and leases to core deposits | 97.6873% | 1,464 |
| Total domestic deposits to total assets | 84.9100% | 2,525 |
| Equity capital to assets | 7.0331% | 3,592 |
| Core capital (leverage) ratio | 9.0412% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5281% | 2,439 |
| Memoranda: |
| Average total assets | $185,336,000,000 | 22 |
| Average earning assets | $167,352,000,000 | 22 |
| Average equity | $13,512,750,000 | 24 |
| Average total loans | $137,867,750,000 | 13 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2651% | 150 |
| Cost of funding earning assets | 3.4130% | 43 |
| Net interest margin | 3.8522% | 1,519 |
| Noninterest income to average assets | 1.4100% | 354 |
| Noninterest expense to average assets | 2.5096% | 2,182 |
| Loan and lease loss provision to assets | 0.9400% | 73 |
| Net operating income to assets | 1.1475% | 1,975 |
| Return on assets (ROA) | 1.1501% | 1,964 |
| Pretax return on assets | 1.4373% | 1,731 |
| Return on Equity (ROE) | 15.5900% | 1,341 |
| Retained earnings to average equity (ytd only) | 8.2705% | 1,882 |
| Net charge-offs to loans | 1.1922% | 72 |
| Credit loss provision to net charge-offs | 107.5887% | 1,390 |
| Earnings coverage of net charge-offs (x) | 2.6952% | 2,305 |
| Efficiency ratio | 51.1710% | 3,841 |
| Assets per employee ($millions) | 17.6512% | 127 |
| Cash dividends to net income (ytd only)* | 46.9484% | 1,409 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7408% | 164 |
| Loan loss allowance to noncurrent loans | 271.9198% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 682 |
| Noncurrent loans to loans | 1.0079% | 751 |
| Net loans and leases to total assets | 71.9000% | 1,544 |
| Net loans and leases to deposits | 84.8146% | 1,602 |
| Net loans and leases to core deposits | 97.4323% | 1,387 |
| Total domestic deposits to total assets | 84.7700% | 2,602 |
| Equity capital to assets | 7.4492% | 3,552 |
| Core capital (leverage) ratio | 9.1769% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7040% | 2,402 |
| Memoranda: |
| Average total assets | $185,207,666,667 | 21 |
| Average earning assets | $167,127,333,333 | 21 |
| Average equity | $13,663,000,000 | 23 |
| Average total loans | $137,058,000,000 | 13 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0976% | 111 |
| Cost of funding earning assets | 3.1703% | 22 |
| Net interest margin | 3.9273% | 1,414 |
| Noninterest income to average assets | 1.3500% | 372 |
| Noninterest expense to average assets | 2.5785% | 2,016 |
| Loan and lease loss provision to assets | 0.9900% | 67 |
| Net operating income to assets | 1.0700% | 2,321 |
| Return on assets (ROA) | 1.0753% | 2,274 |
| Pretax return on assets | 1.3316% | 2,083 |
| Return on Equity (ROE) | 14.6500% | 1,636 |
| Retained earnings to average equity (ytd only) | 11.6894% | 1,326 |
| Net charge-offs to loans | 1.2117% | 66 |
| Credit loss provision to net charge-offs | 110.8959% | 1,062 |
| Earnings coverage of net charge-offs (x) | 2.5787% | 1,924 |
| Efficiency ratio | 52.5311% | 3,735 |
| Assets per employee ($millions) | 17.9008% | 122 |
| Cash dividends to net income (ytd only)* | 20.2020% | 1,972 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7673% | 165 |
| Loan loss allowance to noncurrent loans | 275.0364% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.7426% | 654 |
| Noncurrent loans to loans | 1.0061% | 721 |
| Net loans and leases to total assets | 71.2400% | 1,498 |
| Net loans and leases to deposits | 83.7805% | 1,515 |
| Net loans and leases to core deposits | 96.2600% | 1,271 |
| Total domestic deposits to total assets | 85.0300% | 2,854 |
| Equity capital to assets | 7.4234% | 3,603 |
| Core capital (leverage) ratio | 9.1798% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6946% | 2,501 |
| Memoranda: |
| Average total assets | $184,136,500,000 | 23 |
| Average earning assets | $165,916,000,000 | 23 |
| Average equity | $13,516,500,000 | 27 |
| Average total loans | $136,336,000,000 | 13 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8490% | 102 |
| Cost of funding earning assets | 1.4638% | 29 |
| Net interest margin | 4.3852% | 357 |
| Noninterest income to average assets | 1.6400% | 313 |
| Noninterest expense to average assets | 2.5381% | 1,998 |
| Loan and lease loss provision to assets | 0.8200% | 57 |
| Net operating income to assets | 1.7073% | 533 |
| Return on assets (ROA) | 1.7172% | 496 |
| Pretax return on assets | 2.2173% | 309 |
| Return on Equity (ROE) | 20.6500% | 413 |
| Retained earnings to average equity (ytd only) | -0.7825% | 4,429 |
| Net charge-offs to loans | 0.7681% | 91 |
| Credit loss provision to net charge-offs | 144.4556% | 1,324 |
| Earnings coverage of net charge-offs (x) | 5.3810% | 2,378 |
| Efficiency ratio | 45.4499% | 4,375 |
| Assets per employee ($millions) | 17.5519% | 130 |
| Cash dividends to net income (ytd only)* | 103.7891% | 179 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7433% | 164 |
| Loan loss allowance to noncurrent loans | 259.4858% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.7977% | 593 |
| Noncurrent loans to loans | 1.0572% | 681 |
| Net loans and leases to total assets | 72.7800% | 1,334 |
| Net loans and leases to deposits | 84.8255% | 1,401 |
| Net loans and leases to core deposits | 96.0123% | 1,207 |
| Total domestic deposits to total assets | 85.8000% | 2,782 |
| Equity capital to assets | 7.2555% | 3,516 |
| Core capital (leverage) ratio | 9.2305% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6393% | 2,514 |
| Memoranda: |
| Average total assets | $176,743,600,000 | 23 |
| Average earning assets | $158,077,000,000 | 24 |
| Average equity | $14,696,200,000 | 26 |
| Average total loans | $129,149,400,000 | 13 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5245% | 110 |
| Cost of funding earning assets | 1.0765% | 45 |
| Net interest margin | 4.4480% | 260 |
| Noninterest income to average assets | 1.7000% | 316 |
| Noninterest expense to average assets | 2.5168% | 1,965 |
| Loan and lease loss provision to assets | 0.7200% | 67 |
| Net operating income to assets | 1.8805% | 360 |
| Return on assets (ROA) | 1.8937% | 343 |
| Pretax return on assets | 2.4522% | 225 |
| Return on Equity (ROE) | 22.0500% | 287 |
| Retained earnings to average equity (ytd only) | 1.6986% | 4,084 |
| Net charge-offs to loans | 0.6247% | 103 |
| Credit loss provision to net charge-offs | 156.9514% | 1,105 |
| Earnings coverage of net charge-offs (x) | 6.9497% | 2,092 |
| Efficiency ratio | 44.1630% | 4,463 |
| Assets per employee ($millions) | 17.7051% | 131 |
| Cash dividends to net income (ytd only)* | 92.2953% | 277 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7337% | 175 |
| Loan loss allowance to noncurrent loans | 266.9361% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7671% | 655 |
| Noncurrent loans to loans | 1.0241% | 742 |
| Net loans and leases to total assets | 72.3300% | 1,251 |
| Net loans and leases to deposits | 87.2908% | 1,080 |
| Net loans and leases to core deposits | 96.9453% | 954 |
| Total domestic deposits to total assets | 82.8600% | 3,713 |
| Equity capital to assets | 7.4789% | 3,232 |
| Core capital (leverage) ratio | 9.6175% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0029% | 2,470 |
| Memoranda: |
| Average total assets | $175,457,000,000 | 23 |
| Average earning assets | $156,679,750,000 | 24 |
| Average equity | $15,071,000,000 | 26 |
| Average total loans | $127,409,000,000 | 14 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2351% | 124 |
| Cost of funding earning assets | 0.7701% | 110 |
| Net interest margin | 4.4650% | 202 |
| Noninterest income to average assets | 1.5496% | 325 |
| Noninterest expense to average assets | 2.3502% | 2,399 |
| Loan and lease loss provision to assets | 0.5758% | 88 |
| Net operating income to assets | 2.0155% | 224 |
| Return on assets (ROA) | 2.0336% | 220 |
| Pretax return on assets | 2.6300% | 143 |
| Return on Equity (ROE) | 22.6736% | 176 |
| Retained earnings to average equity (ytd only) | 4.7700% | 2,792 |
| Net charge-offs to loans | 0.4969% | 135 |
| Credit loss provision to net charge-offs | 158.6538% | 1,070 |
| Earnings coverage of net charge-offs (x) | 8.8942% | 1,810 |
| Efficiency ratio | 42.2471% | 4,558 |
| Assets per employee ($millions) | 17.6378% | 128 |
| Cash dividends to net income (ytd only)* | 78.9622% | 621 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6963% | 199 |
| Loan loss allowance to noncurrent loans | 257.4815% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 675 |
| Noncurrent loans to loans | 1.0472% | 792 |
| Net loans and leases to total assets | 71.3493% | 1,174 |
| Net loans and leases to deposits | 87.9739% | 834 |
| Net loans and leases to core deposits | 96.8485% | 797 |
| Total domestic deposits to total assets | 81.1028% | 4,116 |
| Equity capital to assets | 8.3145% | 2,894 |
| Core capital (leverage) ratio | 9.8331% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2383% | 2,397 |
| Memoranda: |
| Average total assets | $174,371,000,000 | 23 |
| Average earning assets | $155,566,000,000 | 24 |
| Average equity | $15,639,333,333 | 26 |
| Average total loans | $125,580,333,333 | 14 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0567% | 142 |
| Cost of funding earning assets | 0.6847% | 163 |
| Net interest margin | 4.3719% | 209 |
| Noninterest income to average assets | 1.7783% | 287 |
| Noninterest expense to average assets | 2.5546% | 1,738 |
| Loan and lease loss provision to assets | 0.4238% | 119 |
| Net operating income to assets | 2.0998% | 184 |
| Return on assets (ROA) | 2.1307% | 175 |
| Pretax return on assets | 2.7365% | 130 |
| Return on Equity (ROE) | 22.9102% | 128 |
| Retained earnings to average equity (ytd only) | 6.8111% | 1,950 |
| Net charge-offs to loans | 0.4745% | 142 |
| Credit loss provision to net charge-offs | 121.7687% | 931 |
| Earnings coverage of net charge-offs (x) | 9.2177% | 1,496 |
| Efficiency ratio | 44.8052% | 4,534 |
| Assets per employee ($millions) | 18.3373% | 125 |
| Cash dividends to net income (ytd only)* | 70.2703% | 852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6511% | 245 |
| Loan loss allowance to noncurrent loans | 246.2963% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 714 |
| Noncurrent loans to loans | 1.0764% | 836 |
| Net loans and leases to total assets | 69.9775% | 1,026 |
| Net loans and leases to deposits | 84.0829% | 877 |
| Net loans and leases to core deposits | 90.7689% | 889 |
| Total domestic deposits to total assets | 83.2243% | 3,916 |
| Equity capital to assets | 8.9254% | 2,779 |
| Core capital (leverage) ratio | 9.9350% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3401% | 2,467 |
| Memoranda: |
| Average total assets | $173,649,500,000 | 24 |
| Average earning assets | $154,805,500,000 | 24 |
| Average equity | $16,150,000,000 | 25 |
| Average total loans | $123,911,500,000 | 14 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7295% | 402 |
| Cost of funding earning assets | 0.8227% | 182 |
| Net interest margin | 3.9069% | 847 |
| Noninterest income to average assets | 1.5780% | 455 |
| Noninterest expense to average assets | 2.1009% | 3,389 |
| Loan and lease loss provision to assets | 0.2191% | 465 |
| Net operating income to assets | 2.1293% | 274 |
| Return on assets (ROA) | 2.1593% | 278 |
| Pretax return on assets | 2.8113% | 176 |
| Return on Equity (ROE) | 21.6373% | 231 |
| Retained earnings to average equity (ytd only) | 1.4401% | 4,138 |
| Net charge-offs to loans | 0.3135% | 269 |
| Credit loss provision to net charge-offs | 101.6529% | 1,776 |
| Earnings coverage of net charge-offs (x) | 14.1102% | 2,048 |
| Efficiency ratio | 41.1448% | 4,663 |
| Assets per employee ($millions) | 18.6208% | 125 |
| Cash dividends to net income (ytd only)* | 93.3442% | 290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6903% | 219 |
| Loan loss allowance to noncurrent loans | 237.4189% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 739 |
| Noncurrent loans to loans | 1.1332% | 853 |
| Net loans and leases to total assets | 68.9208% | 1,157 |
| Net loans and leases to deposits | 81.7130% | 1,087 |
| Net loans and leases to core deposits | 88.9650% | 1,019 |
| Total domestic deposits to total assets | 84.3450% | 3,461 |
| Equity capital to assets | 9.6789% | 2,964 |
| Core capital (leverage) ratio | 10.1183% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6374% | 2,393 |
| Memoranda: |
| Average total assets | $171,166,800,000 | 20 |
| Average earning assets | $154,011,000,000 | 22 |
| Average equity | $17,081,600,000 | 22 |
| Average total loans | $115,796,800,000 | 12 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6634% | 515 |
| Cost of funding earning assets | 0.8575% | 192 |
| Net interest margin | 3.8059% | 1,106 |
| Noninterest income to average assets | 1.5484% | 519 |
| Noninterest expense to average assets | 2.0333% | 3,576 |
| Loan and lease loss provision to assets | 0.1140% | 1,054 |
| Net operating income to assets | 2.1901% | 333 |
| Return on assets (ROA) | 2.2191% | 331 |
| Pretax return on assets | 2.8688% | 210 |
| Return on Equity (ROE) | 22.0686% | 301 |
| Retained earnings to average equity (ytd only) | 4.2087% | 3,509 |
| Net charge-offs to loans | 0.2850% | 283 |
| Credit loss provision to net charge-offs | 58.6066% | 1,813 |
| Earnings coverage of net charge-offs (x) | 15.4631% | 1,864 |
| Efficiency ratio | 40.7402% | 4,701 |
| Assets per employee ($millions) | 18.8896% | 122 |
| Cash dividends to net income (ytd only)* | 80.9289% | 378 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7735% | 200 |
| Loan loss allowance to noncurrent loans | 260.5911% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 1,016 |
| Noncurrent loans to loans | 1.0643% | 1,069 |
| Net loans and leases to total assets | 65.6896% | 1,578 |
| Net loans and leases to deposits | 78.4189% | 1,444 |
| Net loans and leases to core deposits | 86.4646% | 1,262 |
| Total domestic deposits to total assets | 83.7676% | 3,515 |
| Equity capital to assets | 10.1563% | 2,755 |
| Core capital (leverage) ratio | 10.6473% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9560% | 1,987 |
| Memoranda: |
| Average total assets | $170,753,500,000 | 19 |
| Average earning assets | $153,931,250,000 | 20 |
| Average equity | $17,170,250,000 | 22 |
| Average total loans | $114,145,500,000 | 12 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6006% | 625 |
| Cost of funding earning assets | 0.9000% | 188 |
| Net interest margin | 3.7007% | 1,350 |
| Noninterest income to average assets | 1.5163% | 535 |
| Noninterest expense to average assets | 2.0267% | 3,615 |
| Loan and lease loss provision to assets | 0.0327% | 2,327 |
| Net operating income to assets | 2.1679% | 361 |
| Return on assets (ROA) | 2.1891% | 368 |
| Pretax return on assets | 2.8269% | 226 |
| Return on Equity (ROE) | 21.8423% | 331 |
| Retained earnings to average equity (ytd only) | 6.6902% | 2,544 |
| Net charge-offs to loans | 0.2946% | 298 |
| Credit loss provision to net charge-offs | 17.8571% | 1,743 |
| Earnings coverage of net charge-offs (x) | 14.4345% | 1,662 |
| Efficiency ratio | 41.6106% | 4,707 |
| Assets per employee ($millions) | 19.0667% | 112 |
| Cash dividends to net income (ytd only)* | 69.3703% | 702 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8053% | 189 |
| Loan loss allowance to noncurrent loans | 260.9817% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 1,152 |
| Noncurrent loans to loans | 1.0749% | 1,128 |
| Net loans and leases to total assets | 63.9065% | 1,959 |
| Net loans and leases to deposits | 76.3877% | 1,781 |
| Net loans and leases to core deposits | 85.8333% | 1,430 |
| Total domestic deposits to total assets | 83.6607% | 3,530 |
| Equity capital to assets | 10.2120% | 2,657 |
| Core capital (leverage) ratio | 10.5850% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1730% | 1,913 |
| Memoranda: |
| Average total assets | $171,210,333,333 | 19 |
| Average earning assets | $154,675,000,000 | 20 |
| Average equity | $17,159,333,333 | 22 |
| Average total loans | $114,047,000,000 | 12 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5456% | 729 |
| Cost of funding earning assets | 0.9456% | 179 |
| Net interest margin | 3.6000% | 1,589 |
| Noninterest income to average assets | 1.3646% | 703 |
| Noninterest expense to average assets | 1.9420% | 3,877 |
| Loan and lease loss provision to assets | 0.0629% | 1,879 |
| Net operating income to assets | 2.0333% | 548 |
| Return on assets (ROA) | 2.0701% | 558 |
| Pretax return on assets | 2.6686% | 344 |
| Return on Equity (ROE) | 20.8502% | 477 |
| Retained earnings to average equity (ytd only) | 7.9507% | 2,258 |
| Net charge-offs to loans | 0.5002% | 165 |
| Credit loss provision to net charge-offs | 19.4444% | 1,425 |
| Earnings coverage of net charge-offs (x) | 8.0069% | 1,593 |
| Efficiency ratio | 41.8722% | 4,676 |
| Assets per employee ($millions) | 19.7033% | 98 |
| Cash dividends to net income (ytd only)* | 61.8673% | 851 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8019% | 184 |
| Loan loss allowance to noncurrent loans | 237.3403% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 1,146 |
| Noncurrent loans to loans | 1.1806% | 1,127 |
| Net loans and leases to total assets | 63.8842% | 2,059 |
| Net loans and leases to deposits | 77.2062% | 1,783 |
| Net loans and leases to core deposits | 89.3558% | 1,266 |
| Total domestic deposits to total assets | 82.7448% | 3,752 |
| Equity capital to assets | 9.8947% | 2,805 |
| Core capital (leverage) ratio | 10.3837% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9338% | 1,914 |
| Memoranda: |
| Average total assets | $171,778,000,000 | 18 |
| Average earning assets | $155,667,500,000 | 19 |
| Average equity | $17,055,000,000 | 22 |
| Average total loans | $115,157,500,000 | 12 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7806% | 759 |
| Cost of funding earning assets | 1.5415% | 67 |
| Net interest margin | 3.2391% | 3,249 |
| Noninterest income to average assets | 1.3210% | 660 |
| Noninterest expense to average assets | 1.9880% | 4,162 |
| Loan and lease loss provision to assets | 0.9054% | 124 |
| Net operating income to assets | 1.0634% | 2,052 |
| Return on assets (ROA) | 1.1030% | 2,038 |
| Pretax return on assets | 1.4289% | 1,576 |
| Return on Equity (ROE) | 11.2390% | 1,544 |
| Retained earnings to average equity (ytd only) | 4.4077% | 2,588 |
| Net charge-offs to loans | 0.6752% | 223 |
| Credit loss provision to net charge-offs | 192.2030% | 2,199 |
| Earnings coverage of net charge-offs (x) | 4.8490% | 2,928 |
| Efficiency ratio | 46.4247% | 4,697 |
| Assets per employee ($millions) | 19.9558% | 92 |
| Cash dividends to net income (ytd only)* | 60.7822% | 1,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7856% | 186 |
| Loan loss allowance to noncurrent loans | 236.9754% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,253 |
| Noncurrent loans to loans | 1.1755% | 1,208 |
| Net loans and leases to total assets | 66.4438% | 2,025 |
| Net loans and leases to deposits | 80.6668% | 1,796 |
| Net loans and leases to core deposits | 94.8727% | 1,190 |
| Total domestic deposits to total assets | 82.3682% | 3,576 |
| Equity capital to assets | 9.9623% | 3,162 |
| Core capital (leverage) ratio | 10.1185% | 2,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6313% | 1,998 |
| Memoranda: |
| Average total assets | $171,533,400,000 | 17 |
| Average earning assets | $156,278,200,000 | 18 |
| Average equity | $16,834,200,000 | 22 |
| Average total loans | $119,673,800,000 | 11 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8408% | 824 |
| Cost of funding earning assets | 1.6750% | 52 |
| Net interest margin | 3.1658% | 3,574 |
| Noninterest income to average assets | 1.2461% | 701 |
| Noninterest expense to average assets | 1.9282% | 4,288 |
| Loan and lease loss provision to assets | 1.1045% | 110 |
| Net operating income to assets | 0.8354% | 2,962 |
| Return on assets (ROA) | 0.8883% | 2,867 |
| Pretax return on assets | 1.1660% | 2,502 |
| Return on Equity (ROE) | 9.0857% | 2,365 |
| Retained earnings to average equity (ytd only) | 5.9033% | 2,142 |
| Net charge-offs to loans | 0.6567% | 216 |
| Credit loss provision to net charge-offs | 239.8649% | 1,961 |
| Earnings coverage of net charge-offs (x) | 4.7855% | 2,788 |
| Efficiency ratio | 46.5550% | 4,688 |
| Assets per employee ($millions) | 20.8467% | 79 |
| Cash dividends to net income (ytd only)* | 35.0263% | 2,136 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8925% | 153 |
| Loan loss allowance to noncurrent loans | 260.9169% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 1,547 |
| Noncurrent loans to loans | 1.1086% | 1,360 |
| Net loans and leases to total assets | 64.5721% | 2,693 |
| Net loans and leases to deposits | 81.4444% | 2,153 |
| Net loans and leases to core deposits | 97.2038% | 1,364 |
| Total domestic deposits to total assets | 79.2836% | 4,003 |
| Equity capital to assets | 9.8585% | 3,370 |
| Core capital (leverage) ratio | 10.0672% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8842% | 1,864 |
| Memoranda: |
| Average total assets | $171,412,000,000 | 17 |
| Average earning assets | $156,250,250,000 | 18 |
| Average equity | $16,758,500,000 | 22 |
| Average total loans | $120,199,500,000 | 11 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9556% | 892 |
| Cost of funding earning assets | 1.8001% | 44 |
| Net interest margin | 3.1556% | 3,777 |
| Noninterest income to average assets | 1.1400% | 770 |
| Noninterest expense to average assets | 1.9043% | 4,410 |
| Loan and lease loss provision to assets | 1.4570% | 89 |
| Net operating income to assets | 0.4969% | 4,030 |
| Return on assets (ROA) | 0.5729% | 3,900 |
| Pretax return on assets | 0.7502% | 3,739 |
| Return on Equity (ROE) | 5.8769% | 3,559 |
| Retained earnings to average equity (ytd only) | 1.0598% | 4,085 |
| Net charge-offs to loans | 0.7420% | 210 |
| Credit loss provision to net charge-offs | 275.1663% | 1,683 |
| Earnings coverage of net charge-offs (x) | 3.9867% | 2,635 |
| Efficiency ratio | 47.3099% | 4,668 |
| Assets per employee ($millions) | 21.0506% | 74 |
| Cash dividends to net income (ytd only)* | 81.9672% | 721 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8676% | 153 |
| Loan loss allowance to noncurrent loans | 256.7672% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 1,625 |
| Noncurrent loans to loans | 1.1168% | 1,410 |
| Net loans and leases to total assets | 65.0385% | 2,747 |
| Net loans and leases to deposits | 84.1241% | 1,988 |
| Net loans and leases to core deposits | 102.3043% | 1,097 |
| Total domestic deposits to total assets | 77.3125% | 4,280 |
| Equity capital to assets | 9.6385% | 3,535 |
| Core capital (leverage) ratio | 9.9358% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4573% | 2,015 |
| Memoranda: |
| Average total assets | $170,352,333,333 | 17 |
| Average earning assets | $155,217,333,333 | 17 |
| Average equity | $16,607,333,333 | 22 |
| Average total loans | $121,567,666,667 | 11 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1816% | 682 |
| Cost of funding earning assets | 1.9003% | 51 |
| Net interest margin | 3.2814% | 3,640 |
| Noninterest income to average assets | 1.1143% | 694 |
| Noninterest expense to average assets | 1.9636% | 4,467 |
| Loan and lease loss provision to assets | 2.1979% | 59 |
| Net operating income to assets | -0.0488% | 4,775 |
| Return on assets (ROA) | 0.0875% | 4,658 |
| Pretax return on assets | 0.1017% | 4,658 |
| Return on Equity (ROE) | 0.8927% | 4,642 |
| Retained earnings to average equity (ytd only) | -8.7586% | 4,718 |
| Net charge-offs to loans | 0.8484% | 173 |
| Credit loss provision to net charge-offs | 351.8939% | 1,075 |
| Earnings coverage of net charge-offs (x) | 3.4280% | 2,216 |
| Efficiency ratio | 47.7233% | 4,771 |
| Assets per employee ($millions) | 21.2416% | 58 |
| Cash dividends to net income (ytd only)* | 1,081.0811% | 17 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5552% | 226 |
| Loan loss allowance to noncurrent loans | 271.4528% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.7049% | 1,902 |
| Noncurrent loans to loans | 0.9413% | 1,749 |
| Net loans and leases to total assets | 71.3973% | 2,020 |
| Net loans and leases to deposits | 98.1607% | 693 |
| Net loans and leases to core deposits | 122.4774% | 399 |
| Total domestic deposits to total assets | 72.7351% | 4,744 |
| Equity capital to assets | 9.4946% | 4,227 |
| Core capital (leverage) ratio | 9.8666% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2529% | 2,591 |
| Memoranda: |
| Average total assets | $169,073,500,000 | 17 |
| Average earning assets | $154,082,500,000 | 17 |
| Average equity | $16,578,000,000 | 21 |
| Average total loans | $124,462,500,000 | 11 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4772% | 583 |
| Cost of funding earning assets | 2.1305% | 31 |
| Net interest margin | 3.3466% | 3,877 |
| Noninterest income to average assets | 1.2089% | 644 |
| Noninterest expense to average assets | 1.9427% | 4,621 |
| Loan and lease loss provision to assets | 0.6289% | 188 |
| Net operating income to assets | 1.2895% | 1,730 |
| Return on assets (ROA) | 1.3175% | 1,706 |
| Pretax return on assets | 1.7445% | 1,079 |
| Return on Equity (ROE) | 12.9327% | 1,183 |
| Retained earnings to average equity (ytd only) | 1.2573% | 4,288 |
| Net charge-offs to loans | 0.7089% | 234 |
| Credit loss provision to net charge-offs | 118.2339% | 2,142 |
| Earnings coverage of net charge-offs (x) | 4.3956% | 3,217 |
| Efficiency ratio | 45.3548% | 4,935 |
| Assets per employee ($millions) | 21.0947% | 55 |
| Cash dividends to net income (ytd only)* | 90.2778% | 515 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9904% | 3,574 |
| Loan loss allowance to noncurrent loans | 144.3529% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 2,332 |
| Noncurrent loans to loans | 0.6861% | 2,169 |
| Net loans and leases to total assets | 73.2333% | 1,884 |
| Net loans and leases to deposits | 99.7568% | 622 |
| Net loans and leases to core deposits | 125.3206% | 359 |
| Total domestic deposits to total assets | 73.4119% | 4,800 |
| Equity capital to assets | 10.1217% | 3,814 |
| Core capital (leverage) ratio | 10.0144% | 3,501 |
| Tier 1 risk-based capital ratio | 12.3045% | 4,183 |
| Total risk-based capital ratio | 13.2125% | 4,260 |
| Memoranda: |
| Average total assets | $163,947,400,000 | 16 |
| Average earning assets | $150,479,600,000 | 15 |
| Average equity | $16,701,800,000 | 17 |
| Average total loans | $123,004,000,000 | 10 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5053% | 580 |
| Cost of funding earning assets | 2.1562% | 32 |
| Net interest margin | 3.3491% | 3,991 |
| Noninterest income to average assets | 1.1930% | 645 |
| Noninterest expense to average assets | 1.9223% | 4,675 |
| Loan and lease loss provision to assets | 0.6157% | 182 |
| Net operating income to assets | 1.3089% | 1,816 |
| Return on assets (ROA) | 1.3361% | 1,769 |
| Pretax return on assets | 1.7653% | 1,168 |
| Return on Equity (ROE) | 13.0934% | 1,248 |
| Retained earnings to average equity (ytd only) | 1.4744% | 4,442 |
| Net charge-offs to loans | 0.6526% | 245 |
| Credit loss provision to net charge-offs | 125.2912% | 1,875 |
| Earnings coverage of net charge-offs (x) | 4.7754% | 2,977 |
| Efficiency ratio | 45.0297% | 4,976 |
| Assets per employee ($millions) | 21.7147% | 54 |
| Cash dividends to net income (ytd only)* | 88.7393% | 458 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9815% | 3,676 |
| Loan loss allowance to noncurrent loans | 162.6667% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 2,674 |
| Noncurrent loans to loans | 0.6034% | 2,474 |
| Net loans and leases to total assets | 73.6672% | 1,884 |
| Net loans and leases to deposits | 101.2763% | 543 |
| Net loans and leases to core deposits | 127.8932% | 332 |
| Total domestic deposits to total assets | 72.7389% | 4,883 |
| Equity capital to assets | 10.1638% | 3,858 |
| Core capital (leverage) ratio | 10.1985% | 3,428 |
| Tier 1 risk-based capital ratio | 12.3983% | 4,200 |
| Total risk-based capital ratio | 13.3008% | 4,285 |
| Memoranda: |
| Average total assets | $163,061,250,000 | 18 |
| Average earning assets | $149,766,000,000 | 16 |
| Average equity | $16,639,000,000 | 18 |
| Average total loans | $122,783,250,000 | 11 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4967% | 573 |
| Cost of funding earning assets | 2.1648% | 24 |
| Net interest margin | 3.3320% | 4,074 |
| Noninterest income to average assets | 1.1946% | 598 |
| Noninterest expense to average assets | 1.9329% | 4,704 |
| Loan and lease loss provision to assets | 0.6122% | 182 |
| Net operating income to assets | 1.2971% | 1,782 |
| Return on assets (ROA) | 1.3195% | 1,759 |
| Pretax return on assets | 1.7388% | 1,191 |
| Return on Equity (ROE) | 12.9138% | 1,271 |
| Retained earnings to average equity (ytd only) | 2.0212% | 4,108 |
| Net charge-offs to loans | 0.5823% | 260 |
| Credit loss provision to net charge-offs | 139.0449% | 1,574 |
| Earnings coverage of net charge-offs (x) | 5.2753% | 2,677 |
| Efficiency ratio | 45.4228% | 5,010 |
| Assets per employee ($millions) | 21.1708% | 49 |
| Cash dividends to net income (ytd only)* | 84.3486% | 732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9806% | 3,736 |
| Loan loss allowance to noncurrent loans | 171.4489% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4422% | 2,751 |
| Noncurrent loans to loans | 0.5719% | 2,543 |
| Net loans and leases to total assets | 74.4404% | 1,814 |
| Net loans and leases to deposits | 103.3844% | 453 |
| Net loans and leases to core deposits | 130.4029% | 323 |
| Total domestic deposits to total assets | 72.0035% | 4,974 |
| Equity capital to assets | 10.3002% | 3,696 |
| Core capital (leverage) ratio | 10.2587% | 3,325 |
| Tier 1 risk-based capital ratio | 12.5371% | 4,105 |
| Total risk-based capital ratio | 13.4418% | 4,182 |
| Memoranda: |
| Average total assets | $161,724,000,000 | 18 |
| Average earning assets | $148,560,666,670 | 16 |
| Average equity | $16,525,000,000 | 18 |
| Average total loans | $122,278,333,330 | 11 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4202% | 602 |
| Cost of funding earning assets | 2.1139% | 29 |
| Net interest margin | 3.3063% | 4,147 |
| Noninterest income to average assets | 1.1946% | 567 |
| Noninterest expense to average assets | 1.9811% | 4,677 |
| Loan and lease loss provision to assets | 0.7815% | 128 |
| Net operating income to assets | 1.1197% | 2,394 |
| Return on assets (ROA) | 1.1374% | 2,365 |
| Pretax return on assets | 1.4908% | 1,801 |
| Return on Equity (ROE) | 11.1770% | 1,880 |
| Retained earnings to average equity (ytd only) | 1.3941% | 4,225 |
| Net charge-offs to loans | 0.6203% | 242 |
| Credit loss provision to net charge-offs | 166.1376% | 1,174 |
| Earnings coverage of net charge-offs (x) | 4.7831% | 2,302 |
| Efficiency ratio | 46.8235% | 4,989 |
| Assets per employee ($millions) | 21.6773% | 46 |
| Cash dividends to net income (ytd only)* | 87.5274% | 790 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9730% | 3,856 |
| Loan loss allowance to noncurrent loans | 156.1518% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 2,672 |
| Noncurrent loans to loans | 0.6231% | 2,457 |
| Net loans and leases to total assets | 74.8813% | 1,667 |
| Net loans and leases to deposits | 105.3336% | 344 |
| Net loans and leases to core deposits | 133.5676% | 262 |
| Total domestic deposits to total assets | 71.0896% | 5,076 |
| Equity capital to assets | 10.1748% | 3,650 |
| Core capital (leverage) ratio | 10.4531% | 3,102 |
| Tier 1 risk-based capital ratio | 12.5546% | 4,130 |
| Total risk-based capital ratio | 13.4564% | 4,217 |
| Memoranda: |
| Average total assets | $160,718,500,000 | 17 |
| Average earning assets | $147,596,000,000 | 16 |
| Average equity | $16,355,000,000 | 19 |
| Average total loans | $121,871,500,000 | 11 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0684% | 909 |
| Cost of funding earning assets | 1.7435% | 35 |
| Net interest margin | 3.3249% | 4,195 |
| Noninterest income to average assets | 1.4239% | 448 |
| Noninterest expense to average assets | 2.1151% | 4,524 |
| Loan and lease loss provision to assets | 0.5801% | 194 |
| Net operating income to assets | 1.3416% | 1,650 |
| Return on assets (ROA) | 1.3459% | 1,617 |
| Pretax return on assets | 1.7776% | 980 |
| Return on Equity (ROE) | 12.1754% | 1,651 |
| Retained earnings to average equity (ytd only) | -3.7642% | 5,214 |
| Net charge-offs to loans | 0.5473% | 321 |
| Credit loss provision to net charge-offs | 139.1870% | 1,940 |
| Earnings coverage of net charge-offs (x) | 5.6439% | 3,173 |
| Efficiency ratio | 47.3453% | 5,073 |
| Assets per employee ($millions) | 21.5754% | 46 |
| Cash dividends to net income (ytd only)* | 130.9164% | 122 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8817% | 4,243 |
| Loan loss allowance to noncurrent loans | 132.1782% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 2,504 |
| Noncurrent loans to loans | 0.6670% | 2,326 |
| Net loans and leases to total assets | 75.3746% | 1,714 |
| Net loans and leases to deposits | 111.2218% | 222 |
| Net loans and leases to core deposits | 141.3977% | 190 |
| Total domestic deposits to total assets | 67.7697% | 5,215 |
| Equity capital to assets | 10.1776% | 3,493 |
| Core capital (leverage) ratio | 10.6883% | 2,848 |
| Tier 1 risk-based capital ratio | 12.6075% | 4,071 |
| Total risk-based capital ratio | 13.4210% | 4,197 |
| Memoranda: |
| Average total assets | $147,557,400,000 | 16 |
| Average earning assets | $135,071,000,000 | 17 |
| Average equity | $16,311,600,000 | 19 |
| Average total loans | $112,363,200,000 | 11 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9644% | 1,009 |
| Cost of funding earning assets | 1.6511% | 36 |
| Net interest margin | 3.3133% | 4,246 |
| Noninterest income to average assets | 1.4465% | 450 |
| Noninterest expense to average assets | 2.1370% | 4,467 |
| Loan and lease loss provision to assets | 0.5578% | 187 |
| Net operating income to assets | 1.3531% | 1,650 |
| Return on assets (ROA) | 1.3589% | 1,631 |
| Pretax return on assets | 1.7894% | 1,033 |
| Return on Equity (ROE) | 12.0300% | 1,780 |
| Retained earnings to average equity (ytd only) | -4.7010% | 5,307 |
| Net charge-offs to loans | 0.5047% | 306 |
| Credit loss provision to net charge-offs | 145.0839% | 1,762 |
| Earnings coverage of net charge-offs (x) | 6.0863% | 2,915 |
| Efficiency ratio | 47.7348% | 5,061 |
| Assets per employee ($millions) | 22.0679% | 43 |
| Cash dividends to net income (ytd only)* | 139.0773% | 99 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8788% | 4,345 |
| Loan loss allowance to noncurrent loans | 161.6242% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 2,971 |
| Noncurrent loans to loans | 0.5437% | 2,752 |
| Net loans and leases to total assets | 75.7786% | 1,690 |
| Net loans and leases to deposits | 111.4265% | 249 |
| Net loans and leases to core deposits | 141.9798% | 197 |
| Total domestic deposits to total assets | 68.0077% | 5,282 |
| Equity capital to assets | 10.6284% | 3,017 |
| Core capital (leverage) ratio | 11.2680% | 2,359 |
| Tier 1 risk-based capital ratio | 13.3161% | 3,722 |
| Total risk-based capital ratio | 14.1316% | 3,876 |
| Memoranda: |
| Average total assets | $144,624,000,000 | 16 |
| Average earning assets | $132,271,250,000 | 17 |
| Average equity | $16,336,500,000 | 19 |
| Average total loans | $110,170,750,000 | 11 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8475% | 1,135 |
| Cost of funding earning assets | 1.5483% | 46 |
| Net interest margin | 3.2993% | 4,250 |
| Noninterest income to average assets | 1.4683% | 443 |
| Noninterest expense to average assets | 2.1730% | 4,429 |
| Loan and lease loss provision to assets | 0.5573% | 192 |
| Net operating income to assets | 1.3328% | 1,655 |
| Return on assets (ROA) | 1.3406% | 1,644 |
| Pretax return on assets | 1.7631% | 1,060 |
| Return on Equity (ROE) | 11.6253% | 1,862 |
| Retained earnings to average equity (ytd only) | -6.6343% | 5,348 |
| Net charge-offs to loans | 0.4760% | 322 |
| Credit loss provision to net charge-offs | 153.8760% | 1,552 |
| Earnings coverage of net charge-offs (x) | 6.3798% | 2,637 |
| Efficiency ratio | 48.4659% | 5,095 |
| Assets per employee ($millions) | 21.2094% | 47 |
| Cash dividends to net income (ytd only)* | 157.0681% | 129 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8630% | 4,500 |
| Loan loss allowance to noncurrent loans | 161.8090% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 3,049 |
| Noncurrent loans to loans | 0.5333% | 2,817 |
| Net loans and leases to total assets | 75.5426% | 1,709 |
| Net loans and leases to deposits | 110.6856% | 263 |
| Net loans and leases to core deposits | 141.9658% | 176 |
| Total domestic deposits to total assets | 68.2496% | 5,329 |
| Equity capital to assets | 11.0030% | 2,637 |
| Core capital (leverage) ratio | 11.5033% | 2,074 |
| Tier 1 risk-based capital ratio | 13.6516% | 3,529 |
| Total risk-based capital ratio | 14.4464% | 3,707 |
| Memoranda: |
| Average total assets | $142,473,000,000 | 16 |
| Average earning assets | $130,211,333,330 | 17 |
| Average equity | $16,429,666,670 | 19 |
| Average total loans | $108,394,666,670 | 11 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6499% | 1,438 |
| Cost of funding earning assets | 1.4418% | 52 |
| Net interest margin | 3.2081% | 4,436 |
| Noninterest income to average assets | 1.5143% | 426 |
| Noninterest expense to average assets | 2.2244% | 4,357 |
| Loan and lease loss provision to assets | 0.7358% | 127 |
| Net operating income to assets | 1.1358% | 2,262 |
| Return on assets (ROA) | 1.1493% | 2,233 |
| Pretax return on assets | 1.5029% | 1,674 |
| Return on Equity (ROE) | 9.7325% | 2,575 |
| Retained earnings to average equity (ytd only) | -14.4177% | 5,447 |
| Net charge-offs to loans | 0.5290% | 280 |
| Credit loss provision to net charge-offs | 182.9787% | 1,104 |
| Earnings coverage of net charge-offs (x) | 5.5248% | 2,226 |
| Efficiency ratio | 50.0321% | 5,080 |
| Assets per employee ($millions) | 21.1893% | 47 |
| Cash dividends to net income (ytd only)* | 248.1390% | 115 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8624% | 4,593 |
| Loan loss allowance to noncurrent loans | 181.1900% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 3,318 |
| Noncurrent loans to loans | 0.4760% | 3,094 |
| Net loans and leases to total assets | 75.8600% | 1,563 |
| Net loans and leases to deposits | 110.0176% | 258 |
| Net loans and leases to core deposits | 139.9840% | 212 |
| Total domestic deposits to total assets | 68.9526% | 5,392 |
| Equity capital to assets | 11.2989% | 2,303 |
| Core capital (leverage) ratio | 11.9418% | 1,686 |
| Tier 1 risk-based capital ratio | 13.9290% | 3,412 |
| Total risk-based capital ratio | 14.7250% | 3,586 |
| Memoranda: |
| Average total assets | $140,261,500,000 | 16 |
| Average earning assets | $128,174,000,000 | 17 |
| Average equity | $16,563,000,000 | 18 |
| Average total loans | $106,624,500,000 | 11 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3114% | 2,283 |
| Cost of funding earning assets | 1.1683% | 86 |
| Net interest margin | 3.1431% | 4,593 |
| Noninterest income to average assets | 1.9768% | 304 |
| Noninterest expense to average assets | 2.4021% | 4,077 |
| Loan and lease loss provision to assets | 0.5433% | 241 |
| Net operating income to assets | 1.6574% | 576 |
| Return on assets (ROA) | 1.6657% | 584 |
| Pretax return on assets | 1.8799% | 628 |
| Return on Equity (ROE) | 12.0605% | 1,198 |
| Retained earnings to average equity (ytd only) | -6.6160% | 5,481 |
| Net charge-offs to loans | 0.4519% | 530 |
| Credit loss provision to net charge-offs | 159.0389% | 1,682 |
| Earnings coverage of net charge-offs (x) | 7.0664% | 3,096 |
| Efficiency ratio | 49.8783% | 5,223 |
| Assets per employee ($millions) | 20.3124% | 49 |
| Cash dividends to net income (ytd only)* | 154.8569% | 133 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7968% | 4,843 |
| Loan loss allowance to noncurrent loans | 213.1443% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 3,692 |
| Noncurrent loans to loans | 0.3738% | 3,421 |
| Net loans and leases to total assets | 74.8949% | 1,774 |
| Net loans and leases to deposits | 108.5949% | 304 |
| Net loans and leases to core deposits | 138.6176% | 228 |
| Total domestic deposits to total assets | 68.9672% | 5,439 |
| Equity capital to assets | 12.3391% | 1,620 |
| Core capital (leverage) ratio | 12.8725% | 1,190 |
| Tier 1 risk-based capital ratio | 15.0404% | 2,835 |
| Total risk-based capital ratio | 15.7696% | 2,996 |
| Memoranda: |
| Average total assets | $127,930,944,000 | 19 |
| Average earning assets | $115,553,733,600 | 20 |
| Average equity | $17,669,219,200 | 16 |
| Average total loans | $96,692,872,400 | 12 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2365% | 2,490 |
| Cost of funding earning assets | 1.1257% | 102 |
| Net interest margin | 3.1108% | 4,684 |
| Noninterest income to average assets | 2.0773% | 293 |
| Noninterest expense to average assets | 2.4501% | 3,885 |
| Loan and lease loss provision to assets | 0.5129% | 222 |
| Net operating income to assets | 1.2053% | 1,671 |
| Return on assets (ROA) | 1.2107% | 1,681 |
| Pretax return on assets | 1.9254% | 645 |
| Return on Equity (ROE) | 8.5172% | 2,868 |
| Retained earnings to average equity (ytd only) | -13.1494% | 5,642 |
| Net charge-offs to loans | 0.4102% | 511 |
| Credit loss provision to net charge-offs | 165.4110% | 1,564 |
| Earnings coverage of net charge-offs (x) | 7.8356% | 2,835 |
| Efficiency ratio | 50.2067% | 5,237 |
| Assets per employee ($millions) | 18.8835% | 53 |
| Cash dividends to net income (ytd only)* | 254.3860% | 48 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7842% | 4,932 |
| Loan loss allowance to noncurrent loans | 220.2899% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 3,945 |
| Noncurrent loans to loans | 0.3560% | 3,679 |
| Net loans and leases to total assets | 73.7904% | 1,949 |
| Net loans and leases to deposits | 104.7118% | 463 |
| Net loans and leases to core deposits | 132.9444% | 297 |
| Total domestic deposits to total assets | 70.4700% | 5,462 |
| Equity capital to assets | 12.5726% | 1,620 |
| Core capital (leverage) ratio | 12.8856% | 1,259 |
| Tier 1 risk-based capital ratio | 15.3875% | 2,752 |
| Total risk-based capital ratio | 16.0992% | 2,915 |
| Memoranda: |
| Average total assets | $125,545,180,000 | 19 |
| Average earning assets | $113,109,417,000 | 20 |
| Average equity | $17,845,774,000 | 16 |
| Average total loans | $94,919,090,500 | 12 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1241% | 2,751 |
| Cost of funding earning assets | 1.0759% | 114 |
| Net interest margin | 3.0482% | 4,797 |
| Noninterest income to average assets | 2.1669% | 288 |
| Noninterest expense to average assets | 2.4944% | 3,770 |
| Loan and lease loss provision to assets | 0.4663% | 258 |
| Net operating income to assets | 1.2255% | 1,517 |
| Return on assets (ROA) | 1.2327% | 1,523 |
| Pretax return on assets | 1.9555% | 582 |
| Return on Equity (ROE) | 8.3347% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.3347% | 1,044 |
| Net charge-offs to loans | 0.3862% | 532 |
| Credit loss provision to net charge-offs | 158.7912% | 1,473 |
| Earnings coverage of net charge-offs (x) | 8.2088% | 2,528 |
| Efficiency ratio | 50.8553% | 5,251 |
| Assets per employee ($millions) | 18.3147% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7038% | 5,201 |
| Loan loss allowance to noncurrent loans | 208.6420% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 4,022 |
| Noncurrent loans to loans | 0.3373% | 3,837 |
| Net loans and leases to total assets | 75.6875% | 1,586 |
| Net loans and leases to deposits | 110.5662% | 251 |
| Net loans and leases to core deposits | 141.0507% | 179 |
| Total domestic deposits to total assets | 68.4544% | 5,584 |
| Equity capital to assets | 14.9748% | 706 |
| Core capital (leverage) ratio | 15.3109% | 579 |
| Tier 1 risk-based capital ratio | 17.8933% | 1,887 |
| Total risk-based capital ratio | 18.5308% | 2,022 |
| Memoranda: |
| Average total assets | $123,955,240,000 | 21 |
| Average earning assets | $111,346,222,670 | 21 |
| Average equity | $18,333,032,000 | 16 |
| Average total loans | $94,252,120,670 | 12 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0060% | 3,019 |
| Cost of funding earning assets | 1.0506% | 128 |
| Net interest margin | 2.9554% | 4,982 |
| Noninterest income to average assets | 2.2289% | 272 |
| Noninterest expense to average assets | 2.4502% | 3,965 |
| Loan and lease loss provision to assets | 0.4393% | 246 |
| Net operating income to assets | 1.2553% | 1,360 |
| Return on assets (ROA) | 1.2658% | 1,367 |
| Pretax return on assets | 2.0011% | 502 |
| Return on Equity (ROE) | 8.6133% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.6133% | 1,230 |
| Net charge-offs to loans | 0.4285% | 430 |
| Credit loss provision to net charge-offs | 135.0000% | 1,289 |
| Earnings coverage of net charge-offs (x) | 7.4500% | 2,135 |
| Efficiency ratio | 50.2670% | 5,362 |
| Assets per employee ($millions) | 18.5914% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6438% | 5,408 |
| Loan loss allowance to noncurrent loans | 194.8387% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 4,121 |
| Noncurrent loans to loans | 0.3304% | 3,926 |
| Net loans and leases to total assets | 76.2078% | 1,381 |
| Net loans and leases to deposits | 110.2461% | 212 |
| Net loans and leases to core deposits | 139.7544% | 171 |
| Total domestic deposits to total assets | 69.1251% | 5,651 |
| Equity capital to assets | 15.0483% | 647 |
| Core capital (leverage) ratio | 15.3790% | 544 |
| Tier 1 risk-based capital ratio | 17.7446% | 1,961 |
| Total risk-based capital ratio | 18.3220% | 2,114 |
| Memoranda: |
| Average total assets | $122,930,360,000 | 21 |
| Average earning assets | $110,035,334,000 | 22 |
| Average equity | $18,065,048,000 | 16 |
| Average total loans | $93,355,181,000 | 12 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7475% | 4,060 |
| Cost of funding earning assets | 1.0682% | 117 |
| Net interest margin | 2.6793% | 5,443 |
| Noninterest income to average assets | 2.3211% | 279 |
| Noninterest expense to average assets | 2.6074% | 3,657 |
| Loan and lease loss provision to assets | 0.3391% | 518 |
| Net operating income to assets | 1.0853% | 1,957 |
| Return on assets (ROA) | 1.1080% | 1,963 |
| Pretax return on assets | 1.7495% | 889 |
| Return on Equity (ROE) | 7.4102% | 3,260 |
| Retained earnings to average equity (ytd only) | 7.4102% | 1,075 |
| Net charge-offs to loans | 0.3128% | 875 |
| Credit loss provision to net charge-offs | 144.8798% | 1,891 |
| Earnings coverage of net charge-offs (x) | 8.7716% | 2,836 |
| Efficiency ratio | 55.9467% | 5,076 |
| Assets per employee ($millions) | 78.8435% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6126% | 5,504 |
| Loan loss allowance to noncurrent loans | 184.0856% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 4,214 |
| Noncurrent loans to loans | 0.3328% | 3,948 |
| Net loans and leases to total assets | 74.7285% | 1,739 |
| Net loans and leases to deposits | 116.9365% | 121 |
| Net loans and leases to core deposits | 146.0111% | 139 |
| Total domestic deposits to total assets | 63.9052% | 5,792 |
| Equity capital to assets | 14.3460% | 784 |
| Core capital (leverage) ratio | 15.2123% | 575 |
| Tier 1 risk-based capital ratio | 16.7042% | 2,265 |
| Total risk-based capital ratio | 17.2361% | 2,487 |
| Memoranda: |
| Average total assets | $114,915,964,000 | 24 |
| Average earning assets | $100,336,800,600 | 24 |
| Average equity | $17,182,785,000 | 17 |
| Average total loans | $85,976,779,400 | 15 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7122% | 4,208 |
| Cost of funding earning assets | 1.0759% | 105 |
| Net interest margin | 2.6363% | 5,560 |
| Noninterest income to average assets | 2.4625% | 263 |
| Noninterest expense to average assets | 2.7084% | 3,328 |
| Loan and lease loss provision to assets | 0.3201% | 520 |
| Net operating income to assets | 1.0854% | 2,064 |
| Return on assets (ROA) | 1.1017% | 2,090 |
| Pretax return on assets | 1.7482% | 1,005 |
| Return on Equity (ROE) | 7.2872% | 3,407 |
| Retained earnings to average equity (ytd only) | 7.2872% | 1,484 |
| Net charge-offs to loans | 0.2981% | 769 |
| Credit loss provision to net charge-offs | 143.7414% | 1,826 |
| Earnings coverage of net charge-offs (x) | 9.1719% | 2,699 |
| Efficiency ratio | 57.0050% | 4,952 |
| Assets per employee ($millions) | 75.2911% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6097% | 5,590 |
| Loan loss allowance to noncurrent loans | 203.2218% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 4,453 |
| Noncurrent loans to loans | 0.3000% | 4,175 |
| Net loans and leases to total assets | 75.5540% | 1,603 |
| Net loans and leases to deposits | 114.3450% | 178 |
| Net loans and leases to core deposits | 141.7471% | 176 |
| Total domestic deposits to total assets | 66.0755% | 5,818 |
| Equity capital to assets | 15.3525% | 659 |
| Core capital (leverage) ratio | 15.4499% | 563 |
| Tier 1 risk-based capital ratio | 17.2102% | 2,161 |
| Total risk-based capital ratio | 17.7314% | 2,376 |
| Memoranda: |
| Average total assets | $112,758,025,000 | 23 |
| Average earning assets | $97,891,333,750 | 24 |
| Average equity | $17,047,457,250 | 17 |
| Average total loans | $84,247,383,750 | 14 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6546% | 4,434 |
| Cost of funding earning assets | 1.0752% | 100 |
| Net interest margin | 2.5794% | 5,687 |
| Noninterest income to average assets | 2.5563% | 247 |
| Noninterest expense to average assets | 2.7824% | 3,081 |
| Loan and lease loss provision to assets | 0.3043% | 584 |
| Net operating income to assets | 1.0685% | 2,093 |
| Return on assets (ROA) | 1.0814% | 2,166 |
| Pretax return on assets | 1.7171% | 1,051 |
| Return on Equity (ROE) | 7.1906% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.1906% | 1,513 |
| Net charge-offs to loans | 0.2813% | 845 |
| Credit loss provision to net charge-offs | 145.6190% | 1,628 |
| Earnings coverage of net charge-offs (x) | 9.5777% | 2,412 |
| Efficiency ratio | 58.1655% | 4,879 |
| Assets per employee ($millions) | 75.2655% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5871% | 5,701 |
| Loan loss allowance to noncurrent loans | 193.7434% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 4,532 |
| Noncurrent loans to loans | 0.3030% | 4,284 |
| Net loans and leases to total assets | 74.1759% | 1,804 |
| Net loans and leases to deposits | 116.8320% | 138 |
| Net loans and leases to core deposits | 145.5774% | 146 |
| Total domestic deposits to total assets | 63.4894% | 5,940 |
| Equity capital to assets | 15.0642% | 717 |
| Core capital (leverage) ratio | 15.3142% | 552 |
| Tier 1 risk-based capital ratio | 17.6388% | 2,034 |
| Total risk-based capital ratio | 18.1536% | 2,214 |
| Memoranda: |
| Average total assets | $112,171,431,670 | 23 |
| Average earning assets | $96,862,099,670 | 24 |
| Average equity | $16,869,488,000 | 17 |
| Average total loans | $83,311,999,330 | 14 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6321% | 4,531 |
| Cost of funding earning assets | 1.0758% | 110 |
| Net interest margin | 2.5563% | 5,763 |
| Noninterest income to average assets | 2.5674% | 242 |
| Noninterest expense to average assets | 2.9064% | 2,683 |
| Loan and lease loss provision to assets | 0.3255% | 470 |
| Net operating income to assets | 0.9590% | 2,464 |
| Return on assets (ROA) | 0.9744% | 2,509 |
| Pretax return on assets | 1.5515% | 1,430 |
| Return on Equity (ROE) | 6.4846% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.4846% | 2,141 |
| Net charge-offs to loans | 0.3206% | 685 |
| Credit loss provision to net charge-offs | 137.0440% | 1,328 |
| Earnings coverage of net charge-offs (x) | 7.8011% | 2,117 |
| Efficiency ratio | 61.0675% | 4,590 |
| Assets per employee ($millions) | 107.5349% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5746% | 5,782 |
| Loan loss allowance to noncurrent loans | 182.4528% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 4,560 |
| Noncurrent loans to loans | 0.3150% | 4,304 |
| Net loans and leases to total assets | 73.9226% | 1,741 |
| Net loans and leases to deposits | 116.5583% | 122 |
| Net loans and leases to core deposits | 145.9966% | 130 |
| Total domestic deposits to total assets | 63.4211% | 6,008 |
| Equity capital to assets | 15.2333% | 647 |
| Core capital (leverage) ratio | 15.2475% | 568 |
| Tier 1 risk-based capital ratio | 17.6115% | 2,093 |
| Total risk-based capital ratio | 18.1054% | 2,287 |
| Memoranda: |
| Average total assets | $110,980,064,500 | 23 |
| Average earning assets | $95,162,790,000 | 24 |
| Average equity | $16,675,897,500 | 17 |
| Average total loans | $82,231,282,000 | 14 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3932% | 5,175 |
| Cost of funding earning assets | 1.0505% | 129 |
| Net interest margin | 2.3427% | 5,926 |
| Noninterest income to average assets | 2.9235% | 210 |
| Noninterest expense to average assets | 3.1065% | 2,216 |
| Loan and lease loss provision to assets | 0.1629% | 1,414 |
| Net operating income to assets | 1.0258% | 2,232 |
| Return on assets (ROA) | 1.0353% | 2,278 |
| Pretax return on assets | 1.6411% | 1,135 |
| Return on Equity (ROE) | 6.8356% | 3,602 |
| Retained earnings to average equity (ytd only) | 3.5910% | 3,503 |
| Net charge-offs to loans | 0.1988% | 1,472 |
| Credit loss provision to net charge-offs | 114.5518% | 2,224 |
| Earnings coverage of net charge-offs (x) | 12.5792% | 2,449 |
| Efficiency ratio | 63.4547% | 4,375 |
| Assets per employee ($millions) | 116.0654% | 17 |
| Cash dividends to net income (ytd only)* | 47.4663% | 2,450 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5455% | 5,879 |
| Loan loss allowance to noncurrent loans | 183.4161% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 4,651 |
| Noncurrent loans to loans | 0.2974% | 4,392 |
| Net loans and leases to total assets | 73.4400% | 1,818 |
| Net loans and leases to deposits | 123.2020% | 79 |
| Net loans and leases to core deposits | 156.0424% | 88 |
| Total domestic deposits to total assets | 59.6094% | 6,094 |
| Equity capital to assets | 14.8200% | 703 |
| Core capital (leverage) ratio | 15.3775% | 553 |
| Tier 1 risk-based capital ratio | 17.0524% | 2,264 |
| Total risk-based capital ratio | 17.5135% | 2,537 |
| Memoranda: |
| Average total assets | $106,831,718,000 | 22 |
| Average earning assets | $89,934,113,400 | 24 |
| Average equity | $16,180,728,200 | 18 |
| Average total loans | $76,415,888,200 | 17 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3624% | 5,290 |
| Cost of funding earning assets | 1.0507% | 132 |
| Net interest margin | 2.3117% | 6,026 |
| Noninterest income to average assets | 3.0123% | 207 |
| Noninterest expense to average assets | 3.1582% | 2,065 |
| Loan and lease loss provision to assets | 0.1329% | 1,686 |
| Net operating income to assets | 1.0424% | 2,260 |
| Return on assets (ROA) | 1.0434% | 2,346 |
| Pretax return on assets | 1.6612% | 1,208 |
| Return on Equity (ROE) | 6.8504% | 3,703 |
| Retained earnings to average equity (ytd only) | 2.5032% | 4,625 |
| Net charge-offs to loans | 0.1928% | 1,325 |
| Credit loss provision to net charge-offs | 97.1647% | 2,349 |
| Earnings coverage of net charge-offs (x) | 13.1083% | 2,354 |
| Efficiency ratio | 63.7935% | 4,287 |
| Assets per employee ($millions) | 115.1382% | 15 |
| Cash dividends to net income (ytd only)* | 63.4590% | 1,281 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5495% | 5,966 |
| Loan loss allowance to noncurrent loans | 171.1042% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 4,762 |
| Noncurrent loans to loans | 0.3211% | 4,449 |
| Net loans and leases to total assets | 72.1272% | 2,044 |
| Net loans and leases to deposits | 120.9522% | 93 |
| Net loans and leases to core deposits | 153.1550% | 96 |
| Total domestic deposits to total assets | 59.6328% | 6,176 |
| Equity capital to assets | 15.2022% | 698 |
| Core capital (leverage) ratio | 15.3465% | 581 |
| Tier 1 risk-based capital ratio | 17.5031% | 2,186 |
| Total risk-based capital ratio | 17.9619% | 2,430 |
| Memoranda: |
| Average total assets | $105,712,965,750 | 22 |
| Average earning assets | $88,643,752,000 | 23 |
| Average equity | $16,102,008,750 | 18 |
| Average total loans | $74,971,870,250 | 17 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3337% | 5,378 |
| Cost of funding earning assets | 1.0453% | 134 |
| Net interest margin | 2.2884% | 6,102 |
| Noninterest income to average assets | 3.0897% | 208 |
| Noninterest expense to average assets | 3.2088% | 1,963 |
| Loan and lease loss provision to assets | 0.0519% | 3,080 |
| Net operating income to assets | 1.0911% | 1,978 |
| Return on assets (ROA) | 1.0898% | 2,080 |
| Pretax return on assets | 1.7372% | 1,003 |
| Return on Equity (ROE) | 7.1503% | 3,526 |
| Retained earnings to average equity (ytd only) | 0.6032% | 5,318 |
| Net charge-offs to loans | 0.1883% | 1,329 |
| Credit loss provision to net charge-offs | 39.1862% | 2,826 |
| Earnings coverage of net charge-offs (x) | 13.5143% | 2,127 |
| Efficiency ratio | 64.1772% | 4,325 |
| Assets per employee ($millions) | 125.1170% | 14 |
| Cash dividends to net income (ytd only)* | 91.5647% | 681 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5154% | 6,076 |
| Loan loss allowance to noncurrent loans | 194.2033% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 5,070 |
| Noncurrent loans to loans | 0.2654% | 4,717 |
| Net loans and leases to total assets | 71.0479% | 2,154 |
| Net loans and leases to deposits | 122.6142% | 77 |
| Net loans and leases to core deposits | 156.1413% | 89 |
| Total domestic deposits to total assets | 57.9443% | 6,263 |
| Equity capital to assets | 14.9678% | 714 |
| Core capital (leverage) ratio | 15.4193% | 553 |
| Tier 1 risk-based capital ratio | 17.3164% | 2,280 |
| Total risk-based capital ratio | 17.7404% | 2,570 |
| Memoranda: |
| Average total assets | $105,219,413,000 | 23 |
| Average earning assets | $87,833,264,000 | 23 |
| Average equity | $16,037,415,000 | 18 |
| Average total loans | $74,048,190,330 | 17 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3506% | 5,327 |
| Cost of funding earning assets | 1.0573% | 130 |
| Net interest margin | 2.2933% | 6,164 |
| Noninterest income to average assets | 3.2579% | 201 |
| Noninterest expense to average assets | 3.3037% | 1,712 |
| Loan and lease loss provision to assets | -0.0043% | 6,081 |
| Net operating income to assets | 1.1701% | 1,635 |
| Return on assets (ROA) | 1.1675% | 1,746 |
| Pretax return on assets | 1.8559% | 786 |
| Return on Equity (ROE) | 7.5904% | 3,171 |
| Retained earnings to average equity (ytd only) | 4.4788% | 3,333 |
| Net charge-offs to loans | 0.2516% | 951 |
| Credit loss provision to net charge-offs | -2.4231% | 4,280 |
| Earnings coverage of net charge-offs (x) | 10.5607% | 1,925 |
| Efficiency ratio | 64.0333% | 4,475 |
| Assets per employee ($millions) | 125.2503% | 12 |
| Cash dividends to net income (ytd only)* | 40.9938% | 2,016 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5378% | 6,137 |
| Loan loss allowance to noncurrent loans | 225.7540% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 5,240 |
| Noncurrent loans to loans | 0.2382% | 4,923 |
| Net loans and leases to total assets | 68.7404% | 2,326 |
| Net loans and leases to deposits | 118.0481% | 110 |
| Net loans and leases to core deposits | 151.9289% | 96 |
| Total domestic deposits to total assets | 58.2308% | 6,335 |
| Equity capital to assets | 15.4809% | 629 |
| Core capital (leverage) ratio | 15.6084% | 515 |
| Tier 1 risk-based capital ratio | 17.4898% | 2,303 |
| Total risk-based capital ratio | 17.9107% | 2,564 |
| Memoranda: |
| Average total assets | $104,466,713,000 | 23 |
| Average earning assets | $86,618,528,500 | 23 |
| Average equity | $16,068,925,500 | 18 |
| Average total loans | $72,962,982,000 | 17 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5107% | 5,289 |
| Cost of funding earning assets | 1.0702% | 160 |
| Net interest margin | 2.4405% | 6,203 |
| Noninterest income to average assets | 2.8749% | 205 |
| Noninterest expense to average assets | 3.1240% | 2,437 |
| Loan and lease loss provision to assets | 0.0609% | 3,304 |
| Net operating income to assets | 1.1095% | 1,943 |
| Return on assets (ROA) | 1.1131% | 1,983 |
| Pretax return on assets | 1.7399% | 912 |
| Return on Equity (ROE) | 7.2295% | 3,501 |
| Retained earnings to average equity (ytd only) | -4.3842% | 6,156 |
| Net charge-offs to loans | 0.2008% | 2,063 |
| Credit loss provision to net charge-offs | 42.5125% | 3,621 |
| Earnings coverage of net charge-offs (x) | 12.5348% | 2,358 |
| Efficiency ratio | 63.5071% | 4,673 |
| Assets per employee ($millions) | 132.7506% | 10 |
| Cash dividends to net income (ytd only)* | 160.6427% | 131 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6021% | 6,141 |
| Loan loss allowance to noncurrent loans | 216.0935% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2085% | 5,189 |
| Noncurrent loans to loans | 0.2787% | 4,852 |
| Net loans and leases to total assets | 70.1494% | 2,215 |
| Net loans and leases to deposits | 125.8973% | 63 |
| Net loans and leases to core deposits | 164.9326% | 69 |
| Total domestic deposits to total assets | 55.7195% | 6,436 |
| Equity capital to assets | 15.2828% | 655 |
| Core capital (leverage) ratio | 15.4437% | 543 |
| Tier 1 risk-based capital ratio | 16.8942% | 2,554 |
| Total risk-based capital ratio | 17.3643% | 2,850 |
| Memoranda: |
| Average total assets | $100,665,753,600 | 22 |
| Average earning assets | $84,320,292,800 | 23 |
| Average equity | $15,498,950,000 | 19 |
| Average total loans | $71,782,670,400 | 16 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5210% | 5,346 |
| Cost of funding earning assets | 1.0716% | 170 |
| Net interest margin | 2.4494% | 6,265 |
| Noninterest income to average assets | 2.8707% | 201 |
| Noninterest expense to average assets | 3.0831% | 2,516 |
| Loan and lease loss provision to assets | 0.0622% | 3,112 |
| Net operating income to assets | 1.1293% | 1,935 |
| Return on assets (ROA) | 1.1338% | 1,983 |
| Pretax return on assets | 1.7903% | 912 |
| Return on Equity (ROE) | 7.3499% | 3,527 |
| Retained earnings to average equity (ytd only) | -6.9522% | 6,322 |
| Net charge-offs to loans | 0.1873% | 1,967 |
| Credit loss provision to net charge-offs | 46.4732% | 3,167 |
| Earnings coverage of net charge-offs (x) | 13.7797% | 2,193 |
| Efficiency ratio | 62.5555% | 4,800 |
| Assets per employee ($millions) | 130.0268% | 10 |
| Cash dividends to net income (ytd only)* | 194.5897% | 91 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8323% | 5,785 |
| Loan loss allowance to noncurrent loans | 276.0393% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2247% | 5,320 |
| Noncurrent loans to loans | 0.3015% | 5,001 |
| Net loans and leases to total assets | 70.1650% | 2,169 |
| Net loans and leases to deposits | 124.4751% | 67 |
| Net loans and leases to core deposits | 163.3095% | 75 |
| Total domestic deposits to total assets | 56.3687% | 6,514 |
| Equity capital to assets | 15.6494% | 612 |
| Core capital (leverage) ratio | 15.7099% | 516 |
| Tier 1 risk-based capital ratio | 17.3235% | 2,459 |
| Total risk-based capital ratio | 17.9722% | 2,672 |
| Memoranda: |
| Average total assets | $99,713,519,000 | 23 |
| Average earning assets | $83,775,779,000 | 24 |
| Average equity | $15,382,016,000 | 20 |
| Average total loans | $71,295,256,250 | 16 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5217% | 5,364 |
| Cost of funding earning assets | 1.0664% | 178 |
| Net interest margin | 2.4553% | 6,316 |
| Noninterest income to average assets | 2.7952% | 205 |
| Noninterest expense to average assets | 3.0580% | 2,634 |
| Loan and lease loss provision to assets | 0.0603% | 3,066 |
| Net operating income to assets | 1.0962% | 1,961 |
| Return on assets (ROA) | 1.1027% | 1,996 |
| Pretax return on assets | 1.7562% | 919 |
| Return on Equity (ROE) | 7.1834% | 3,523 |
| Retained earnings to average equity (ytd only) | -12.4853% | 6,462 |
| Net charge-offs to loans | 0.1754% | 1,986 |
| Credit loss provision to net charge-offs | 47.8662% | 2,823 |
| Earnings coverage of net charge-offs (x) | 14.3494% | 1,914 |
| Efficiency ratio | 62.8652% | 4,882 |
| Assets per employee ($millions) | 133.4369% | 11 |
| Cash dividends to net income (ytd only)* | 273.8066% | 67 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8532% | 5,868 |
| Loan loss allowance to noncurrent loans | 305.5519% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 5,493 |
| Noncurrent loans to loans | 0.2792% | 5,179 |
| Net loans and leases to total assets | 71.1386% | 1,900 |
| Net loans and leases to deposits | 128.3122% | 43 |
| Net loans and leases to core deposits | 170.1156% | 58 |
| Total domestic deposits to total assets | 55.4418% | 6,583 |
| Equity capital to assets | 15.3765% | 630 |
| Core capital (leverage) ratio | 15.7498% | 513 |
| Tier 1 risk-based capital ratio | 16.9822% | 2,626 |
| Total risk-based capital ratio | 17.6542% | 2,832 |
| Memoranda: |
| Average total assets | $99,361,095,000 | 23 |
| Average earning assets | $83,737,870,670 | 24 |
| Average equity | $15,252,679,330 | 20 |
| Average total loans | $71,293,929,000 | 16 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5078% | 5,398 |
| Cost of funding earning assets | 1.0792% | 178 |
| Net interest margin | 2.4286% | 6,395 |
| Noninterest income to average assets | 2.6308% | 219 |
| Noninterest expense to average assets | 3.0337% | 2,755 |
| Loan and lease loss provision to assets | 0.0960% | 2,325 |
| Net operating income to assets | 0.9607% | 2,356 |
| Return on assets (ROA) | 0.9738% | 2,374 |
| Pretax return on assets | 1.5693% | 1,239 |
| Return on Equity (ROE) | 6.3490% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.3490% | 2,352 |
| Net charge-offs to loans | 0.2057% | 1,516 |
| Credit loss provision to net charge-offs | 65.0210% | 2,053 |
| Earnings coverage of net charge-offs (x) | 11.1459% | 1,802 |
| Efficiency ratio | 64.8419% | 4,721 |
| Assets per employee ($millions) | 134.1568% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8765% | 5,936 |
| Loan loss allowance to noncurrent loans | 270.3179% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 5,453 |
| Noncurrent loans to loans | 0.3242% | 5,135 |
| Net loans and leases to total assets | 71.1680% | 1,700 |
| Net loans and leases to deposits | 124.4970% | 50 |
| Net loans and leases to core deposits | 166.4703% | 59 |
| Total domestic deposits to total assets | 57.1644% | 6,649 |
| Equity capital to assets | 15.5708% | 593 |
| Core capital (leverage) ratio | 15.6980% | 514 |
| Tier 1 risk-based capital ratio | 17.3380% | 2,541 |
| Total risk-based capital ratio | 18.0318% | 2,745 |
| Memoranda: |
| Average total assets | $98,268,888,500 | 23 |
| Average earning assets | $82,858,202,500 | 24 |
| Average equity | $15,071,969,500 | 20 |
| Average total loans | $70,511,072,000 | 16 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6856% | 5,177 |
| Cost of funding earning assets | 1.1480% | 227 |
| Net interest margin | 2.5376% | 6,338 |
| Noninterest income to average assets | 2.3532% | 306 |
| Noninterest expense to average assets | 2.9315% | 3,275 |
| Loan and lease loss provision to assets | 0.1820% | 2,028 |
| Net operating income to assets | 0.9310% | 2,642 |
| Return on assets (ROA) | 0.9334% | 2,712 |
| Pretax return on assets | 1.4362% | 1,667 |
| Return on Equity (ROE) | 6.0494% | 4,055 |
| Retained earnings to average equity (ytd only) | 6.0494% | 1,938 |
| Net charge-offs to loans | 0.3145% | 2,113 |
| Credit loss provision to net charge-offs | 79.2183% | 3,066 |
| Earnings coverage of net charge-offs (x) | 7.0290% | 2,926 |
| Efficiency ratio | 64.4841% | 4,820 |
| Assets per employee ($millions) | 129.7470% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9170% | 5,871 |
| Loan loss allowance to noncurrent loans | 293.0840% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 5,572 |
| Noncurrent loans to loans | 0.3129% | 5,250 |
| Net loans and leases to total assets | 71.0520% | 1,828 |
| Net loans and leases to deposits | 130.2628% | 37 |
| Net loans and leases to core deposits | 176.4169% | 53 |
| Total domestic deposits to total assets | 54.5451% | 6,741 |
| Equity capital to assets | 15.1064% | 655 |
| Core capital (leverage) ratio | 15.7720% | 496 |
| Tier 1 risk-based capital ratio | 16.7321% | 2,748 |
| Total risk-based capital ratio | 17.4488% | 2,961 |
| Memoranda: |
| Average total assets | $94,609,563,600 | 22 |
| Average earning assets | $81,758,304,600 | 24 |
| Average equity | $14,597,308,000 | 20 |
| Average total loans | $69,096,366,000 | 16 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7245% | 5,099 |
| Cost of funding earning assets | 1.1619% | 232 |
| Net interest margin | 2.5626% | 6,361 |
| Noninterest income to average assets | 2.3202% | 329 |
| Noninterest expense to average assets | 2.9076% | 3,283 |
| Loan and lease loss provision to assets | 0.1919% | 1,904 |
| Net operating income to assets | 0.9485% | 2,603 |
| Return on assets (ROA) | 0.9517% | 2,690 |
| Pretax return on assets | 1.4574% | 1,737 |
| Return on Equity (ROE) | 6.1344% | 4,118 |
| Retained earnings to average equity (ytd only) | 6.1344% | 2,325 |
| Net charge-offs to loans | 0.3269% | 1,908 |
| Credit loss provision to net charge-offs | 79.9933% | 2,855 |
| Earnings coverage of net charge-offs (x) | 6.8560% | 2,894 |
| Efficiency ratio | 63.8751% | 4,818 |
| Assets per employee ($millions) | 120.5751% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0072% | 5,678 |
| Loan loss allowance to noncurrent loans | 245.3868% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 5,520 |
| Noncurrent loans to loans | 0.4105% | 5,167 |
| Net loans and leases to total assets | 70.4971% | 1,869 |
| Net loans and leases to deposits | 123.9153% | 54 |
| Net loans and leases to core deposits | 168.2957% | 59 |
| Total domestic deposits to total assets | 56.8914% | 6,807 |
| Equity capital to assets | 16.0012% | 554 |
| Core capital (leverage) ratio | 16.3308% | 449 |
| Tier 1 risk-based capital ratio | 17.9008% | 2,356 |
| Total risk-based capital ratio | 18.6934% | 2,504 |
| Memoranda: |
| Average total assets | $93,577,584,500 | 23 |
| Average earning assets | $81,497,237,750 | 24 |
| Average equity | $14,517,710,250 | 20 |
| Average total loans | $68,669,413,000 | 16 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8000% | 4,834 |
| Cost of funding earning assets | 1.1609% | 244 |
| Net interest margin | 2.6391% | 6,287 |
| Noninterest income to average assets | 2.2304% | 378 |
| Noninterest expense to average assets | 2.8735% | 3,429 |
| Loan and lease loss provision to assets | 0.2594% | 1,426 |
| Net operating income to assets | 0.9153% | 2,719 |
| Return on assets (ROA) | 0.9199% | 2,837 |
| Pretax return on assets | 1.4158% | 1,875 |
| Return on Equity (ROE) | 5.9911% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.9911% | 2,450 |
| Net charge-offs to loans | 0.3748% | 1,708 |
| Credit loss provision to net charge-offs | 93.4190% | 2,366 |
| Earnings coverage of net charge-offs (x) | 6.0074% | 2,784 |
| Efficiency ratio | 63.2722% | 4,967 |
| Assets per employee ($millions) | 118.3510% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0154% | 5,759 |
| Loan loss allowance to noncurrent loans | 175.6557% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 5,202 |
| Noncurrent loans to loans | 0.5780% | 4,815 |
| Net loans and leases to total assets | 72.3335% | 1,520 |
| Net loans and leases to deposits | 131.6918% | 38 |
| Net loans and leases to core deposits | 181.5871% | 48 |
| Total domestic deposits to total assets | 54.9264% | 6,864 |
| Equity capital to assets | 15.7194% | 573 |
| Core capital (leverage) ratio | 15.9300% | 474 |
| Tier 1 risk-based capital ratio | 17.5949% | 2,481 |
| Total risk-based capital ratio | 18.4170% | 2,626 |
| Memoranda: |
| Average total assets | $94,063,651,670 | 23 |
| Average earning assets | $82,374,465,000 | 23 |
| Average equity | $14,443,549,670 | 20 |
| Average total loans | $69,691,802,670 | 16 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9859% | 4,179 |
| Cost of funding earning assets | 1.1725% | 255 |
| Net interest margin | 2.8134% | 6,001 |
| Noninterest income to average assets | 2.3033% | 356 |
| Noninterest expense to average assets | 3.0215% | 2,917 |
| Loan and lease loss provision to assets | 0.3330% | 1,008 |
| Net operating income to assets | 0.9450% | 2,454 |
| Return on assets (ROA) | 0.9542% | 2,562 |
| Pretax return on assets | 1.4274% | 1,776 |
| Return on Equity (ROE) | 6.2866% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.2866% | 2,517 |
| Net charge-offs to loans | 0.4539% | 1,312 |
| Credit loss provision to net charge-offs | 98.3761% | 1,898 |
| Earnings coverage of net charge-offs (x) | 5.1596% | 2,403 |
| Efficiency ratio | 63.3677% | 5,100 |
| Assets per employee ($millions) | 118.8522% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9942% | 6,002 |
| Loan loss allowance to noncurrent loans | 157.0321% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 5,200 |
| Noncurrent loans to loans | 0.6331% | 4,866 |
| Net loans and leases to total assets | 72.6872% | 1,247 |
| Net loans and leases to deposits | 135.8430% | 31 |
| Net loans and leases to core deposits | 188.5048% | 47 |
| Total domestic deposits to total assets | 53.5082% | 6,943 |
| Equity capital to assets | 15.2827% | 690 |
| Core capital (leverage) ratio | 15.5944% | 506 |
| Tier 1 risk-based capital ratio | 16.6818% | 2,915 |
| Total risk-based capital ratio | 17.4861% | 3,088 |
| Memoranda: |
| Average total assets | $94,879,407,500 | 23 |
| Average earning assets | $83,127,393,000 | 24 |
| Average equity | $14,400,437,000 | 20 |
| Average total loans | $70,765,069,500 | 16 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3640% | 3,969 |
| Cost of funding earning assets | 1.3419% | 315 |
| Net interest margin | 3.0221% | 6,003 |
| Noninterest income to average assets | 1.6777% | 574 |
| Noninterest expense to average assets | 2.6558% | 4,553 |
| Loan and lease loss provision to assets | 0.3159% | 2,166 |
| Net operating income to assets | 0.9191% | 2,719 |
| Return on assets (ROA) | 0.9564% | 2,766 |
| Pretax return on assets | 1.4772% | 1,751 |
| Return on Equity (ROE) | 6.2854% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.2854% | 1,925 |
| Net charge-offs to loans | 0.4424% | 2,465 |
| Credit loss provision to net charge-offs | 94.4190% | 3,297 |
| Earnings coverage of net charge-offs (x) | 5.1884% | 3,115 |
| Efficiency ratio | 60.4750% | 5,472 |
| Assets per employee ($millions) | 95.2723% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9631% | 6,084 |
| Loan loss allowance to noncurrent loans | 163.6365% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 5,346 |
| Noncurrent loans to loans | 0.5886% | 5,061 |
| Net loans and leases to total assets | 75.0238% | 1,045 |
| Net loans and leases to deposits | 147.1641% | 25 |
| Net loans and leases to core deposits | 208.8320% | 50 |
| Total domestic deposits to total assets | 50.9797% | 7,011 |
| Equity capital to assets | 15.0724% | 717 |
| Core capital (leverage) ratio | 15.2968% | 528 |
| Tier 1 risk-based capital ratio | 16.2668% | 3,017 |
| Total risk-based capital ratio | 17.0627% | 3,216 |
| Memoranda: |
| Average total assets | $89,781,426,200 | 23 |
| Average earning assets | $80,623,252,200 | 20 |
| Average equity | $13,661,228,200 | 21 |
| Average total loans | $67,898,393,000 | 16 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3471% | 4,267 |
| Cost of funding earning assets | 1.3586% | 343 |
| Net interest margin | 2.9885% | 6,192 |
| Noninterest income to average assets | 1.7290% | 524 |
| Noninterest expense to average assets | 2.4631% | 5,205 |
| Loan and lease loss provision to assets | 0.3490% | 1,872 |
| Net operating income to assets | 1.0488% | 2,286 |
| Return on assets (ROA) | 1.0973% | 2,301 |
| Pretax return on assets | 1.6907% | 1,294 |
| Return on Equity (ROE) | 7.1936% | 3,701 |
| Retained earnings to average equity (ytd only) | 7.1936% | 2,013 |
| Net charge-offs to loans | 0.4776% | 2,188 |
| Credit loss provision to net charge-offs | 96.6762% | 3,092 |
| Earnings coverage of net charge-offs (x) | 5.4426% | 3,026 |
| Efficiency ratio | 55.6240% | 6,092 |
| Assets per employee ($millions) | 93.0450% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0364% | 5,948 |
| Loan loss allowance to noncurrent loans | 139.2430% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 5,302 |
| Noncurrent loans to loans | 0.7443% | 4,931 |
| Net loans and leases to total assets | 72.0986% | 1,537 |
| Net loans and leases to deposits | 145.5590% | 23 |
| Net loans and leases to core deposits | 209.0576% | 52 |
| Total domestic deposits to total assets | 49.5322% | 7,110 |
| Equity capital to assets | 15.0405% | 810 |
| Core capital (leverage) ratio | 15.4689% | 546 |
| Tier 1 risk-based capital ratio | 16.9844% | 2,735 |
| Total risk-based capital ratio | 18.0020% | 2,832 |
| Memoranda: |
| Average total assets | $88,527,801,250 | 24 |
| Average earning assets | $79,954,597,500 | 22 |
| Average equity | $13,504,538,500 | 21 |
| Average total loans | $66,920,202,250 | 17 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4365% | 4,036 |
| Cost of funding earning assets | 1.3771% | 381 |
| Net interest margin | 3.0594% | 6,105 |
| Noninterest income to average assets | 1.3960% | 738 |
| Noninterest expense to average assets | 2.1042% | 6,224 |
| Loan and lease loss provision to assets | 0.4109% | 1,599 |
| Net operating income to assets | 1.0711% | 2,159 |
| Return on assets (ROA) | 1.1432% | 2,119 |
| Pretax return on assets | 1.7659% | 1,103 |
| Return on Equity (ROE) | 7.4567% | 3,545 |
| Retained earnings to average equity (ytd only) | 7.4567% | 1,897 |
| Net charge-offs to loans | 0.5408% | 1,973 |
| Credit loss provision to net charge-offs | 99.2354% | 2,800 |
| Earnings coverage of net charge-offs (x) | 4.9895% | 2,939 |
| Efficiency ratio | 50.4603% | 6,610 |
| Assets per employee ($millions) | 84.9576% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0585% | 5,929 |
| Loan loss allowance to noncurrent loans | 167.2894% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 5,540 |
| Noncurrent loans to loans | 0.6327% | 5,243 |
| Net loans and leases to total assets | 75.6709% | 1,007 |
| Net loans and leases to deposits | 149.7861% | 19 |
| Net loans and leases to core deposits | 218.2946% | 48 |
| Total domestic deposits to total assets | 50.5193% | 7,181 |
| Equity capital to assets | 15.6132% | 660 |
| Core capital (leverage) ratio | 15.4893% | 525 |
| Tier 1 risk-based capital ratio | 16.8183% | 2,752 |
| Total risk-based capital ratio | 17.8535% | 2,818 |
| Memoranda: |
| Average total assets | $87,115,126,670 | 24 |
| Average earning assets | $78,987,773,330 | 23 |
| Average equity | $13,355,228,000 | 21 |
| Average total loans | $66,699,168,000 | 17 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3832% | 4,395 |
| Cost of funding earning assets | 1.3704% | 467 |
| Net interest margin | 3.0128% | 6,267 |
| Noninterest income to average assets | 1.0903% | 1,209 |
| Noninterest expense to average assets | 2.0198% | 6,426 |
| Loan and lease loss provision to assets | 0.2961% | 2,106 |
| Net operating income to assets | 0.9751% | 2,576 |
| Return on assets (ROA) | 1.0266% | 2,562 |
| Pretax return on assets | 1.6050% | 1,555 |
| Return on Equity (ROE) | 6.7592% | 3,915 |
| Retained earnings to average equity (ytd only) | 6.7592% | 2,548 |
| Net charge-offs to loans | 0.3325% | 2,323 |
| Credit loss provision to net charge-offs | 116.2662% | 2,032 |
| Earnings coverage of net charge-offs (x) | 7.1484% | 2,106 |
| Efficiency ratio | 52.5936% | 6,487 |
| Assets per employee ($millions) | 87.4897% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0869% | 5,942 |
| Loan loss allowance to noncurrent loans | 252.8622% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 6,047 |
| Noncurrent loans to loans | 0.4298% | 5,808 |
| Net loans and leases to total assets | 75.1011% | 907 |
| Net loans and leases to deposits | 153.8881% | 19 |
| Net loans and leases to core deposits | 225.6753% | 45 |
| Total domestic deposits to total assets | 48.8024% | 7,245 |
| Equity capital to assets | 15.0474% | 739 |
| Core capital (leverage) ratio | 15.6087% | 516 |
| Tier 1 risk-based capital ratio | 16.9035% | 2,716 |
| Total risk-based capital ratio | 17.8410% | 2,829 |
| Memoranda: |
| Average total assets | $87,004,496,500 | 24 |
| Average earning assets | $79,420,928,500 | 23 |
| Average equity | $13,214,832,500 | 21 |
| Average total loans | $66,651,128,000 | 17 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4433% | 5,271 |
| Cost of funding earning assets | 1.4809% | 771 |
| Net interest margin | 2.9625% | 6,582 |
| Noninterest income to average assets | 0.9457% | 1,516 |
| Noninterest expense to average assets | 1.7626% | 6,997 |
| Loan and lease loss provision to assets | 0.2364% | 3,841 |
| Net operating income to assets | 1.5786% | 700 |
| Return on assets (ROA) | 1.6286% | 683 |
| Pretax return on assets | 1.7264% | 938 |
| Return on Equity (ROE) | 10.4874% | 1,876 |
| Retained earnings to average equity (ytd only) | 10.4874% | 475 |
| Net charge-offs to loans | 0.3911% | 3,460 |
| Credit loss provision to net charge-offs | 78.4629% | 4,527 |
| Earnings coverage of net charge-offs (x) | 6.3370% | 2,538 |
| Efficiency ratio | 47.9986% | 6,949 |
| Assets per employee ($millions) | 82.6544% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0943% | 5,835 |
| Loan loss allowance to noncurrent loans | 229.5011% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 6,028 |
| Noncurrent loans to loans | 0.4768% | 5,755 |
| Net loans and leases to total assets | 76.4665% | 890 |
| Net loans and leases to deposits | 158.2207% | 24 |
| Net loans and leases to core deposits | 235.2750% | 52 |
| Total domestic deposits to total assets | 48.3290% | 7,291 |
| Equity capital to assets | 15.3353% | 711 |
| Core capital (leverage) ratio | 15.5049% | 526 |
| Tier 1 risk-based capital ratio | 17.4248% | 2,406 |
| Total risk-based capital ratio | 18.3967% | 2,499 |
| Memoranda: |
| Average total assets | $77,005,823,800 | 24 |
| Average earning assets | $70,870,094,400 | 23 |
| Average equity | $11,958,305,800 | 21 |
| Average total loans | $59,338,959,800 | 17 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4309% | 5,495 |
| Cost of funding earning assets | 1.5090% | 830 |
| Net interest margin | 2.9219% | 6,721 |
| Noninterest income to average assets | 0.8564% | 1,814 |
| Noninterest expense to average assets | 1.7015% | 7,095 |
| Loan and lease loss provision to assets | 0.3484% | 2,790 |
| Net operating income to assets | 1.4648% | 1,017 |
| Return on assets (ROA) | 1.5349% | 944 |
| Pretax return on assets | 1.5695% | 1,461 |
| Return on Equity (ROE) | 9.8489% | 2,251 |
| Retained earnings to average equity (ytd only) | 9.8489% | 882 |
| Net charge-offs to loans | 0.4168% | 3,058 |
| Credit loss provision to net charge-offs | 108.5810% | 3,040 |
| Earnings coverage of net charge-offs (x) | 5.7538% | 2,705 |
| Efficiency ratio | 47.9593% | 6,963 |
| Assets per employee ($millions) | 77.8192% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3048% | 4,987 |
| Loan loss allowance to noncurrent loans | 240.2383% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4208% | 6,028 |
| Noncurrent loans to loans | 0.5431% | 5,779 |
| Net loans and leases to total assets | 75.0770% | 1,130 |
| Net loans and leases to deposits | 147.2126% | 28 |
| Net loans and leases to core deposits | 217.6854% | 57 |
| Total domestic deposits to total assets | 50.9990% | 7,356 |
| Equity capital to assets | 16.0310% | 623 |
| Core capital (leverage) ratio | 15.6519% | 555 |
| Tier 1 risk-based capital ratio | 18.4467% | 2,104 |
| Total risk-based capital ratio | 19.6052% | 2,099 |
| Memoranda: |
| Average total assets | $74,911,791,250 | 25 |
| Average earning assets | $69,005,854,750 | 23 |
| Average equity | $11,674,483,750 | 22 |
| Average total loans | $57,670,948,500 | 17 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4021% | 5,687 |
| Cost of funding earning assets | 1.5200% | 938 |
| Net interest margin | 2.8821% | 6,827 |
| Noninterest income to average assets | 0.7147% | 2,463 |
| Noninterest expense to average assets | 1.6343% | 7,234 |
| Loan and lease loss provision to assets | 0.4271% | 2,295 |
| Net operating income to assets | 1.2866% | 1,352 |
| Return on assets (ROA) | 1.3510% | 1,261 |
| Pretax return on assets | 1.3805% | 1,858 |
| Return on Equity (ROE) | 8.7594% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.7594% | 1,191 |
| Net charge-offs to loans | 0.4233% | 2,866 |
| Credit loss provision to net charge-offs | 130.5150% | 2,340 |
| Earnings coverage of net charge-offs (x) | 5.3225% | 2,641 |
| Efficiency ratio | 48.4073% | 7,037 |
| Assets per employee ($millions) | 77.4237% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3937% | 4,606 |
| Loan loss allowance to noncurrent loans | 232.4337% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 5,985 |
| Noncurrent loans to loans | 0.5996% | 5,718 |
| Net loans and leases to total assets | 75.2144% | 1,202 |
| Net loans and leases to deposits | 151.4089% | 26 |
| Net loans and leases to core deposits | 227.9374% | 61 |
| Total domestic deposits to total assets | 49.6763% | 7,430 |
| Equity capital to assets | 15.3990% | 719 |
| Core capital (leverage) ratio | 15.6331% | 551 |
| Tier 1 risk-based capital ratio | 17.5378% | 2,324 |
| Total risk-based capital ratio | 18.7644% | 2,302 |
| Memoranda: |
| Average total assets | $73,423,863,330 | 26 |
| Average earning assets | $67,803,748,000 | 24 |
| Average equity | $11,324,419,000 | 23 |
| Average total loans | $56,767,713,330 | 18 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3513% | 5,844 |
| Cost of funding earning assets | 1.5569% | 957 |
| Net interest margin | 2.7944% | 6,912 |
| Noninterest income to average assets | 0.6446% | 2,877 |
| Noninterest expense to average assets | 1.5817% | 7,316 |
| Loan and lease loss provision to assets | 0.3525% | 2,439 |
| Net operating income to assets | 1.3211% | 1,224 |
| Return on assets (ROA) | 1.4053% | 1,090 |
| Pretax return on assets | 1.3854% | 1,764 |
| Return on Equity (ROE) | 9.1036% | 2,438 |
| Retained earnings to average equity (ytd only) | 9.1036% | 1,352 |
| Net charge-offs to loans | 0.4972% | 2,233 |
| Credit loss provision to net charge-offs | 91.0364% | 2,923 |
| Earnings coverage of net charge-offs (x) | 4.2706% | 2,526 |
| Efficiency ratio | 48.8862% | 7,070 |
| Assets per employee ($millions) | 87.2161% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3923% | 4,700 |
| Loan loss allowance to noncurrent loans | 226.8694% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 6,018 |
| Noncurrent loans to loans | 0.6137% | 5,807 |
| Net loans and leases to total assets | 76.1537% | 1,016 |
| Net loans and leases to deposits | 151.2571% | 31 |
| Net loans and leases to core deposits | 227.6625% | 61 |
| Total domestic deposits to total assets | 50.3472% | 7,484 |
| Equity capital to assets | 15.3859% | 687 |
| Core capital (leverage) ratio | 15.8748% | 524 |
| Tier 1 risk-based capital ratio | 18.7292% | 1,888 |
| Total risk-based capital ratio | 19.9801% | 1,842 |
| Memoranda: |
| Average total assets | $71,423,933,500 | 27 |
| Average earning assets | $66,221,521,000 | 24 |
| Average equity | $11,025,385,000 | 23 |
| Average total loans | $55,623,142,500 | 20 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4701% | 6,467 |
| Cost of funding earning assets | 1.6525% | 1,815 |
| Net interest margin | 2.8176% | 7,009 |
| Noninterest income to average assets | 0.7146% | 2,759 |
| Noninterest expense to average assets | 1.4685% | 7,458 |
| Loan and lease loss provision to assets | 0.5444% | 2,967 |
| Net operating income to assets | 1.2902% | 1,203 |
| Return on assets (ROA) | 1.4620% | 895 |
| Pretax return on assets | 1.5064% | 1,359 |
| Return on Equity (ROE) | 10.0533% | 1,912 |
| Retained earnings to average equity (ytd only) | 10.0533% | 514 |
| Net charge-offs to loans | 0.5326% | 3,484 |
| Credit loss provision to net charge-offs | 143.9412% | 2,592 |
| Earnings coverage of net charge-offs (x) | 4.9542% | 2,757 |
| Efficiency ratio | 43.9385% | 7,424 |
| Assets per employee ($millions) | 97.8887% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4245% | 4,400 |
| Loan loss allowance to noncurrent loans | 176.8914% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 5,712 |
| Noncurrent loans to loans | 0.8053% | 5,435 |
| Net loans and leases to total assets | 77.4281% | 1,026 |
| Net loans and leases to deposits | 157.0452% | 30 |
| Net loans and leases to core deposits | 240.6961% | 63 |
| Total domestic deposits to total assets | 49.3031% | 7,566 |
| Equity capital to assets | 15.4888% | 682 |
| Core capital (leverage) ratio | 15.8147% | 529 |
| Tier 1 risk-based capital ratio | 19.2270% | 1,665 |
| Total risk-based capital ratio | 20.4789% | 1,635 |
| Memoranda: |
| Average total assets | $61,720,952,000 | 31 |
| Average earning assets | $57,559,301,800 | 29 |
| Average equity | $8,975,928,000 | 26 |
| Average total loans | $43,827,091,000 | 24 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3161% | 6,953 |
| Cost of funding earning assets | 1.6706% | 2,003 |
| Net interest margin | 2.6455% | 7,275 |
| Noninterest income to average assets | 0.7461% | 2,537 |
| Noninterest expense to average assets | 1.4653% | 7,565 |
| Loan and lease loss provision to assets | 0.5560% | 2,726 |
| Net operating income to assets | 1.1768% | 1,654 |
| Return on assets (ROA) | 1.3478% | 1,306 |
| Pretax return on assets | 1.3714% | 1,963 |
| Return on Equity (ROE) | 9.4490% | 2,334 |
| Retained earnings to average equity (ytd only) | 9.4490% | 923 |
| Net charge-offs to loans | 0.5249% | 3,201 |
| Credit loss provision to net charge-offs | 153.9849% | 2,502 |
| Earnings coverage of net charge-offs (x) | 4.8549% | 2,915 |
| Efficiency ratio | 45.5317% | 7,404 |
| Assets per employee ($millions) | 96.2916% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4779% | 4,061 |
| Loan loss allowance to noncurrent loans | 176.8373% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6672% | 5,787 |
| Noncurrent loans to loans | 0.8358% | 5,548 |
| Net loans and leases to total assets | 77.6914% | 1,090 |
| Net loans and leases to deposits | 152.4685% | 33 |
| Net loans and leases to core deposits | 233.3484% | 66 |
| Total domestic deposits to total assets | 50.9557% | 7,661 |
| Equity capital to assets | 14.4162% | 1,041 |
| Core capital (leverage) ratio | 15.8692% | 579 |
| Tier 1 risk-based capital ratio | 18.5293% | 1,864 |
| Total risk-based capital ratio | 19.7828% | 1,832 |
| Memoranda: |
| Average total assets | $59,580,168,000 | 33 |
| Average earning assets | $55,676,414,000 | 30 |
| Average equity | $8,498,365,000 | 28 |
| Average total loans | $40,982,345,000 | 27 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1740% | 7,204 |
| Cost of funding earning assets | 1.6548% | 2,362 |
| Net interest margin | 2.5192% | 7,404 |
| Noninterest income to average assets | 0.8269% | 1,985 |
| Noninterest expense to average assets | 1.4641% | 7,629 |
| Loan and lease loss provision to assets | 0.6476% | 2,222 |
| Net operating income to assets | 1.0410% | 2,042 |
| Return on assets (ROA) | 1.2176% | 1,578 |
| Pretax return on assets | 1.2463% | 2,269 |
| Return on Equity (ROE) | 8.5717% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.5717% | 1,241 |
| Net charge-offs to loans | 0.5087% | 3,005 |
| Credit loss provision to net charge-offs | 196.0998% | 2,014 |
| Earnings coverage of net charge-offs (x) | 5.1889% | 2,728 |
| Efficiency ratio | 46.0742% | 7,438 |
| Assets per employee ($millions) | 93.6156% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8703% | 2,505 |
| Loan loss allowance to noncurrent loans | 173.1097% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 5,664 |
| Noncurrent loans to loans | 1.0804% | 5,159 |
| Net loans and leases to total assets | 65.8477% | 3,866 |
| Net loans and leases to deposits | 127.3949% | 82 |
| Net loans and leases to core deposits | 196.9262% | 98 |
| Total domestic deposits to total assets | 51.6879% | 7,729 |
| Equity capital to assets | 13.5228% | 1,337 |
| Core capital (leverage) ratio | 15.9864% | 569 |
| Tier 1 risk-based capital ratio | 20.2490% | 1,473 |
| Total risk-based capital ratio | 21.5073% | 1,440 |
| Memoranda: |
| Average total assets | $57,389,449,670 | 33 |
| Average earning assets | $53,553,666,000 | 30 |
| Average equity | $8,152,276,330 | 29 |
| Average total loans | $37,254,580,670 | 29 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2864% | 7,154 |
| Cost of funding earning assets | 1.6447% | 2,682 |
| Net interest margin | 2.6417% | 7,352 |
| Noninterest income to average assets | 0.8584% | 1,780 |
| Noninterest expense to average assets | 1.3987% | 7,762 |
| Loan and lease loss provision to assets | 0.2942% | 3,675 |
| Net operating income to assets | 1.5767% | 784 |
| Return on assets (ROA) | 1.6269% | 757 |
| Pretax return on assets | 1.6750% | 1,105 |
| Return on Equity (ROE) | 11.1540% | 1,738 |
| Retained earnings to average equity (ytd only) | 11.1540% | 886 |
| Net charge-offs to loans | 0.2893% | 3,256 |
| Credit loss provision to net charge-offs | 159.6808% | 2,257 |
| Earnings coverage of net charge-offs (x) | 10.4076% | 1,744 |
| Efficiency ratio | 42.1788% | 7,674 |
| Assets per employee ($millions) | 78.0378% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9785% | 2,247 |
| Loan loss allowance to noncurrent loans | 199.4491% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 5,896 |
| Noncurrent loans to loans | 0.9920% | 5,339 |
| Net loans and leases to total assets | 62.7116% | 4,611 |
| Net loans and leases to deposits | 113.2224% | 223 |
| Net loans and leases to core deposits | 176.7778% | 140 |
| Total domestic deposits to total assets | 55.3880% | 7,803 |
| Equity capital to assets | 14.8821% | 912 |
| Core capital (leverage) ratio | 16.4067% | 521 |
| Tier 1 risk-based capital ratio | 24.0421% | 962 |
| Total risk-based capital ratio | 25.3026% | 942 |
| Memoranda: |
| Average total assets | $55,237,822,000 | 34 |
| Average earning assets | $51,390,814,500 | 31 |
| Average equity | $8,057,119,500 | 28 |
| Average total loans | $35,183,122,000 | 30 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5815% | 7,304 |
| Cost of funding earning assets | 2.6353% | 698 |
| Net interest margin | 1.9461% | 7,766 |
| Noninterest income to average assets | 1.1934% | 1,083 |
| Noninterest expense to average assets | 1.5922% | 7,773 |
| Loan and lease loss provision to assets | 6.2900% | 94 |
| Net operating income to assets | -4.5730% | 7,685 |
| Return on assets (ROA) | -4.4373% | 7,670 |
| Pretax return on assets | -4.7699% | 7,671 |
| Return on Equity (ROE) | -33.7362% | 7,474 |
| Retained earnings to average equity (ytd only) | -33.7362% | 7,460 |
| Net charge-offs to loans | 8.3971% | 72 |
| Credit loss provision to net charge-offs | 111.6384% | 4,920 |
| Earnings coverage of net charge-offs (x) | 0.2439% | 5,877 |
| Efficiency ratio | 53.6749% | 7,260 |
| Assets per employee ($millions) | 78.0013% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9482% | 2,150 |
| Loan loss allowance to noncurrent loans | 215.0977% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6085% | 5,932 |
| Noncurrent loans to loans | 0.9057% | 5,494 |
| Net loans and leases to total assets | 62.1757% | 4,952 |
| Net loans and leases to deposits | 114.7544% | 253 |
| Net loans and leases to core deposits | 139.0956% | 842 |
| Total domestic deposits to total assets | 54.1815% | 7,876 |
| Equity capital to assets | 14.2911% | 1,082 |
| Core capital (leverage) ratio | 15.4163% | 707 |
| Tier 1 risk-based capital ratio | 20.7240% | 1,340 |
| Total risk-based capital ratio | 21.9739% | 1,310 |
| Memoranda: |
| Average total assets | $43,904,988,800 | 39 |
| Average earning assets | $39,996,651,200 | 39 |
| Average equity | $5,774,808,200 | 32 |
| Average total loans | $29,458,957,400 | 32 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8616% | 6,984 |
| Cost of funding earning assets | 2.9390% | 395 |
| Net interest margin | 1.9226% | 7,844 |
| Noninterest income to average assets | 1.1550% | 1,181 |
| Noninterest expense to average assets | 1.7398% | 7,719 |
| Loan and lease loss provision to assets | 3.2144% | 432 |
| Net operating income to assets | -1.2387% | 6,982 |
| Return on assets (ROA) | -1.1372% | 6,927 |
| Pretax return on assets | -1.9021% | 7,131 |
| Return on Equity (ROE) | -8.9057% | 6,804 |
| Retained earnings to average equity (ytd only) | -8.9057% | 6,695 |
| Net charge-offs to loans | 2.9332% | 581 |
| Credit loss provision to net charge-offs | 160.3615% | 2,959 |
| Earnings coverage of net charge-offs (x) | 0.5756% | 5,454 |
| Efficiency ratio | 60.1267% | 6,395 |
| Assets per employee ($millions) | 78.1443% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4098% | 1,161 |
| Loan loss allowance to noncurrent loans | 64.5518% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 2.3246% | 2,951 |
| Noncurrent loans to loans | 3.7332% | 1,995 |
| Net loans and leases to total assets | 59.2153% | 5,710 |
| Net loans and leases to deposits | 94.1276% | 1,866 |
| Net loans and leases to core deposits | 111.2952% | 3,094 |
| Total domestic deposits to total assets | 62.9096% | 7,799 |
| Equity capital to assets | 14.0162% | 1,301 |
| Core capital (leverage) ratio | 16.5699% | 605 |
| Tier 1 risk-based capital ratio | 22.1053% | 1,214 |
| Total risk-based capital ratio | 23.3690% | 1,193 |
| Memoranda: |
| Average total assets | $41,055,510,500 | 40 |
| Average earning assets | $37,126,218,500 | 39 |
| Average equity | $5,242,667,000 | 35 |
| Average total loans | $28,056,655,750 | 35 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9963% | 6,782 |
| Cost of funding earning assets | 3.4075% | 149 |
| Net interest margin | 1.5888% | 7,995 |
| Noninterest income to average assets | 1.4668% | 687 |
| Noninterest expense to average assets | 1.9617% | 7,532 |
| Loan and lease loss provision to assets | 3.7934% | 344 |
| Net operating income to assets | -1.8085% | 7,369 |
| Return on assets (ROA) | -1.7356% | 7,330 |
| Pretax return on assets | -2.7523% | 7,487 |
| Return on Equity (ROE) | -14.2451% | 7,295 |
| Retained earnings to average equity (ytd only) | -14.2451% | 7,197 |
| Net charge-offs to loans | 2.4192% | 733 |
| Credit loss provision to net charge-offs | 217.9651% | 2,111 |
| Earnings coverage of net charge-offs (x) | 0.5327% | 5,174 |
| Efficiency ratio | 67.9071% | 5,166 |
| Assets per employee ($millions) | 68.9290% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7961% | 683 |
| Loan loss allowance to noncurrent loans | 96.1667% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 2.0415% | 3,142 |
| Noncurrent loans to loans | 2.9075% | 2,477 |
| Net loans and leases to total assets | 65.1857% | 4,722 |
| Net loans and leases to deposits | 108.8721% | 611 |
| Net loans and leases to core deposits | 133.9789% | 1,319 |
| Total domestic deposits to total assets | 59.8736% | 7,934 |
| Equity capital to assets | 13.8107% | 1,381 |
| Core capital (leverage) ratio | 15.0708% | 905 |
| Tier 1 risk-based capital ratio | 18.6693% | 1,846 |
| Total risk-based capital ratio | 19.9358% | 1,793 |
| Memoranda: |
| Average total assets | $37,236,353,330 | 43 |
| Average earning assets | $33,327,061,670 | 44 |
| Average equity | $4,536,778,000 | 40 |
| Average total loans | $26,787,687,670 | 40 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0027% | 6,924 |
| Cost of funding earning assets | 3.7197% | 83 |
| Net interest margin | 1.2830% | 8,114 |
| Noninterest income to average assets | 1.5151% | 613 |
| Noninterest expense to average assets | 1.8715% | 7,606 |
| Loan and lease loss provision to assets | 3.2371% | 331 |
| Net operating income to assets | -1.5343% | 7,510 |
| Return on assets (ROA) | -1.5422% | 7,515 |
| Pretax return on assets | -2.4647% | 7,652 |
| Return on Equity (ROE) | -13.7866% | 7,555 |
| Retained earnings to average equity (ytd only) | -13.7866% | 7,368 |
| Net charge-offs to loans | 2.1073% | 688 |
| Credit loss provision to net charge-offs | 205.0035% | 2,169 |
| Earnings coverage of net charge-offs (x) | 0.4969% | 4,588 |
| Efficiency ratio | 70.4590% | 4,483 |
| Assets per employee ($millions) | 68.4863% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9513% | 1,525 |
| Loan loss allowance to noncurrent loans | 75.9817% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 2.1877% | 2,617 |
| Noncurrent loans to loans | 2.5681% | 2,568 |
| Net loans and leases to total assets | 75.7451% | 2,333 |
| Net loans and leases to deposits | 122.2759% | 250 |
| Net loans and leases to core deposits | 144.5730% | 912 |
| Total domestic deposits to total assets | 61.9461% | 7,916 |
| Equity capital to assets | 11.0556% | 2,918 |
| Core capital (leverage) ratio | 11.3762% | 2,228 |
| Tier 1 risk-based capital ratio | 15.7241% | 2,781 |
| Total risk-based capital ratio | 16.9855% | 2,710 |
| Memoranda: |
| Average total assets | $34,624,402,000 | 48 |
| Average earning assets | $30,793,662,500 | 48 |
| Average equity | $3,873,132,000 | 50 |
| Average total loans | $25,944,452,500 | 41 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9830% | 5,631 |
| Cost of funding earning assets | 4.2644% | 36 |
| Net interest margin | 1.7186% | 8,149 |
| Noninterest income to average assets | 2.2834% | 284 |
| Noninterest expense to average assets | 2.6493% | 5,450 |
| Loan and lease loss provision to assets | 1.7542% | 726 |
| Net operating income to assets | -0.3596% | 6,781 |
| Return on assets (ROA) | -0.3597% | 6,655 |
| Pretax return on assets | -0.6100% | 6,741 |
| Return on Equity (ROE) | -3.1805% | 6,644 |
| Retained earnings to average equity (ytd only) | -3.1805% | 6,149 |
| Net charge-offs to loans | 1.0168% | 1,216 |
| Credit loss provision to net charge-offs | 224.4039% | 2,118 |
| Earnings coverage of net charge-offs (x) | 1.4638% | 5,378 |
| Efficiency ratio | 69.8368% | 4,384 |
| Assets per employee ($millions) | 62.0426% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7006% | 1,908 |
| Loan loss allowance to noncurrent loans | 78.0889% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.8182% | 2,708 |
| Noncurrent loans to loans | 2.1778% | 2,535 |
| Net loans and leases to total assets | 71.1331% | 3,763 |
| Net loans and leases to deposits | 120.9871% | 364 |
| Net loans and leases to core deposits | 137.6603% | 1,399 |
| Total domestic deposits to total assets | 58.7940% | 7,997 |
| Equity capital to assets | 11.3305% | 2,771 |
| Core capital (leverage) ratio | 11.0595% | 2,544 |
| Tier 1 risk-based capital ratio | 16.1824% | 2,593 |
| Total risk-based capital ratio | 17.4389% | 2,527 |
| Memoranda: |
| Average total assets | $31,249,893,400 | 52 |
| Average earning assets | $27,457,699,000 | 51 |
| Average equity | $3,533,969,200 | 51 |
| Average total loans | $24,024,907,000 | 43 |
