Home > American Express National Bank > Performance and Condition Ratios
American Express National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7462% | 59 |
| Cost of funding earning assets | 3.4525% | 125 |
| Net interest margin | 8.2937% | 20 |
| Noninterest income to average assets | 14.5600% | 87 |
| Noninterest expense to average assets | 15.1483% | 87 |
| Loan and lease loss provision to assets | 1.9200% | 44 |
| Net operating income to assets | 4.2546% | 85 |
| Return on assets (ROA) | 4.2555% | 85 |
| Pretax return on assets | 5.6026% | 78 |
| Return on Equity (ROE) | 44.7500% | 42 |
| Retained earnings to average equity (ytd only) | 12.9235% | 639 |
| Net charge-offs to loans | 2.6305% | 65 |
| Credit loss provision to net charge-offs | 91.2365% | 1,335 |
| Earnings coverage of net charge-offs (x) | 3.5765% | 2,007 |
| Efficiency ratio | 66.8151% | 2,157 |
| Assets per employee ($millions) | 89.0752% | 22 |
| Cash dividends to net income (ytd only)* | 71.1181% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4787% | 113 |
| Loan loss allowance to noncurrent loans | 492.0772% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 1,357 |
| Noncurrent loans to loans | 0.7069% | 1,454 |
| Net loans and leases to total assets | 74.8300% | 1,232 |
| Net loans and leases to deposits | 95.8366% | 634 |
| Net loans and leases to core deposits | 115.4479% | 679 |
| Total domestic deposits to total assets | 78.0800% | 3,808 |
| Equity capital to assets | 9.4175% | 2,640 |
| Core capital (leverage) ratio | 9.4880% | 3,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4224% | 2,066 |
| Memoranda: | ||
| Average total assets | $198,255,016,000 | 21 |
| Average earning assets | $193,926,732,000 | 17 |
| Average equity | $18,854,621,000 | 20 |
| Average total loans | $158,461,985,500 | 10 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8613% | 60 |
| Cost of funding earning assets | 3.8258% | 98 |
| Net interest margin | 8.0355% | 24 |
| Noninterest income to average assets | 14.7900% | 92 |
| Noninterest expense to average assets | 15.5229% | 84 |
| Loan and lease loss provision to assets | 2.3000% | 27 |
| Net operating income to assets | 3.6619% | 103 |
| Return on assets (ROA) | 3.6617% | 109 |
| Pretax return on assets | 4.8271% | 93 |
| Return on Equity (ROE) | 40.1200% | 47 |
| Retained earnings to average equity (ytd only) | 10.9772% | 439 |
| Net charge-offs to loans | 2.4884% | 66 |
| Credit loss provision to net charge-offs | 116.9431% | 1,699 |
| Earnings coverage of net charge-offs (x) | 3.6217% | 2,736 |
| Efficiency ratio | 68.4908% | 2,183 |
| Assets per employee ($millions) | 87.7955% | 21 |
| Cash dividends to net income (ytd only)* | 72.6408% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5039% | 114 |
| Loan loss allowance to noncurrent loans | 471.4933% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 1,186 |
| Noncurrent loans to loans | 0.7431% | 1,335 |
| Net loans and leases to total assets | 79.5700% | 711 |
| Net loans and leases to deposits | 102.4183% | 379 |
| Net loans and leases to core deposits | 122.9927% | 516 |
| Total domestic deposits to total assets | 77.6900% | 3,815 |
| Equity capital to assets | 9.6081% | 2,370 |
| Core capital (leverage) ratio | 9.5811% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1737% | 2,162 |
| Memoranda: | ||
| Average total assets | $189,483,071,200 | 21 |
| Average earning assets | $185,451,926,400 | 20 |
| Average equity | $17,292,729,200 | 20 |
| Average total loans | $149,895,983,800 | 10 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.8105% | 62 |
| Cost of funding earning assets | 3.8741% | 98 |
| Net interest margin | 7.9364% | 25 |
| Noninterest income to average assets | 14.5500% | 84 |
| Noninterest expense to average assets | 15.3111% | 81 |
| Loan and lease loss provision to assets | 2.3100% | 28 |
| Net operating income to assets | 3.5657% | 103 |
| Return on assets (ROA) | 3.5664% | 106 |
| Pretax return on assets | 4.6916% | 90 |
| Return on Equity (ROE) | 39.6100% | 51 |
| Retained earnings to average equity (ytd only) | 7.1028% | 1,706 |
| Net charge-offs to loans | 2.5194% | 62 |
| Credit loss provision to net charge-offs | 117.3100% | 1,515 |
| Earnings coverage of net charge-offs (x) | 3.5524% | 2,502 |
| Efficiency ratio | 68.5782% | 2,194 |
| Assets per employee ($millions) | 90.5530% | 22 |
| Cash dividends to net income (ytd only)* | 82.0699% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5950% | 113 |
| Loan loss allowance to noncurrent loans | 518.1840% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.5452% | 1,311 |
| Noncurrent loans to loans | 0.6938% | 1,420 |
| Net loans and leases to total assets | 75.7600% | 1,156 |
| Net loans and leases to deposits | 99.3693% | 524 |
| Net loans and leases to core deposits | 118.6800% | 650 |
| Total domestic deposits to total assets | 76.2500% | 3,904 |
| Equity capital to assets | 9.1368% | 2,930 |
| Core capital (leverage) ratio | 9.0994% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1762% | 2,185 |
| Memoranda: | ||
| Average total assets | $188,588,254,250 | 22 |
| Average earning assets | $184,615,170,250 | 21 |
| Average equity | $16,978,524,250 | 21 |
| Average total loans | $147,570,081,250 | 12 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6055% | 63 |
| Cost of funding earning assets | 3.8420% | 93 |
| Net interest margin | 7.7635% | 28 |
| Noninterest income to average assets | 14.4800% | 90 |
| Noninterest expense to average assets | 15.3725% | 84 |
| Loan and lease loss provision to assets | 2.2500% | 28 |
| Net operating income to assets | 3.3905% | 125 |
| Return on assets (ROA) | 3.3902% | 127 |
| Pretax return on assets | 4.4536% | 101 |
| Return on Equity (ROE) | 37.8500% | 74 |
| Retained earnings to average equity (ytd only) | 6.3936% | 1,869 |
| Net charge-offs to loans | 2.5790% | 65 |
| Credit loss provision to net charge-offs | 111.7027% | 1,401 |
| Earnings coverage of net charge-offs (x) | 3.3274% | 2,340 |
| Efficiency ratio | 69.5925% | 2,163 |
| Assets per employee ($millions) | 91.2125% | 22 |
| Cash dividends to net income (ytd only)* | 83.1074% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4571% | 129 |
| Loan loss allowance to noncurrent loans | 519.8449% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5170% | 1,306 |
| Noncurrent loans to loans | 0.6650% | 1,385 |
| Net loans and leases to total assets | 75.0500% | 1,287 |
| Net loans and leases to deposits | 97.0366% | 712 |
| Net loans and leases to core deposits | 117.7228% | 697 |
| Total domestic deposits to total assets | 77.3400% | 3,782 |
| Equity capital to assets | 8.9399% | 2,782 |
| Core capital (leverage) ratio | 9.1414% | 3,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9800% | 2,259 |
| Memoranda: | ||
| Average total assets | $187,399,835,000 | 22 |
| Average earning assets | $183,486,291,667 | 21 |
| Average equity | $16,785,791,667 | 20 |
| Average total loans | $146,422,632,000 | 12 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7246% | 65 |
| Cost of funding earning assets | 3.8528% | 84 |
| Net interest margin | 7.8718% | 29 |
| Noninterest income to average assets | 14.2200% | 87 |
| Noninterest expense to average assets | 15.1957% | 87 |
| Loan and lease loss provision to assets | 2.3100% | 30 |
| Net operating income to assets | 3.3754% | 133 |
| Return on assets (ROA) | 3.3752% | 133 |
| Pretax return on assets | 4.4186% | 103 |
| Return on Equity (ROE) | 37.6400% | 79 |
| Retained earnings to average equity (ytd only) | -3.3600% | 4,031 |
| Net charge-offs to loans | 2.5388% | 39 |
| Credit loss provision to net charge-offs | 116.3604% | 1,066 |
| Earnings coverage of net charge-offs (x) | 3.3853% | 1,939 |
| Efficiency ratio | 69.2572% | 2,237 |
| Assets per employee ($millions) | 91.8133% | 22 |
| Cash dividends to net income (ytd only)* | 108.9258% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5123% | 86 |
| Loan loss allowance to noncurrent loans | 485.2264% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5543% | 1,157 |
| Noncurrent loans to loans | 0.7238% | 1,226 |
| Net loans and leases to total assets | 73.8800% | 1,353 |
| Net loans and leases to deposits | 94.7592% | 808 |
| Net loans and leases to core deposits | 117.4423% | 711 |
| Total domestic deposits to total assets | 77.9700% | 3,803 |
| Equity capital to assets | 8.7143% | 2,872 |
| Core capital (leverage) ratio | 8.9953% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9367% | 2,257 |
| Memoranda: | ||
| Average total assets | $184,961,743,000 | 22 |
| Average earning assets | $181,127,127,000 | 20 |
| Average equity | $16,584,029,500 | 19 |
| Average total loans | $144,901,543,500 | 13 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0331% | 66 |
| Cost of funding earning assets | 3.5842% | 65 |
| Net interest margin | 7.4489% | 42 |
| Noninterest income to average assets | 15.3500% | 77 |
| Noninterest expense to average assets | 15.6419% | 85 |
| Loan and lease loss provision to assets | 2.4300% | 20 |
| Net operating income to assets | 3.5043% | 123 |
| Return on assets (ROA) | 3.5037% | 121 |
| Pretax return on assets | 4.5634% | 97 |
| Return on Equity (ROE) | 38.9400% | 90 |
| Retained earnings to average equity (ytd only) | 15.4908% | 298 |
| Net charge-offs to loans | 2.0282% | 45 |
| Credit loss provision to net charge-offs | 151.0691% | 1,468 |
| Earnings coverage of net charge-offs (x) | 4.3455% | 2,593 |
| Efficiency ratio | 69.0546% | 2,004 |
| Assets per employee ($millions) | 89.2289% | 22 |
| Cash dividends to net income (ytd only)* | 60.2182% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4183% | 87 |
| Loan loss allowance to noncurrent loans | 512.4412% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 1,043 |
| Noncurrent loans to loans | 0.6671% | 1,176 |
| Net loans and leases to total assets | 77.4600% | 920 |
| Net loans and leases to deposits | 99.1361% | 588 |
| Net loans and leases to core deposits | 126.6414% | 469 |
| Total domestic deposits to total assets | 78.1300% | 3,710 |
| Equity capital to assets | 9.2308% | 2,521 |
| Core capital (leverage) ratio | 9.5483% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2940% | 2,137 |
| Memoranda: | ||
| Average total assets | $169,679,839,400 | 22 |
| Average earning assets | $166,111,433,200 | 22 |
| Average equity | $15,267,376,200 | 21 |
| Average total loans | $134,697,464,600 | 13 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7997% | 65 |
| Cost of funding earning assets | 3.4693% | 63 |
| Net interest margin | 7.3303% | 47 |
| Noninterest income to average assets | 15.3800% | 78 |
| Noninterest expense to average assets | 15.7962% | 82 |
| Loan and lease loss provision to assets | 2.3300% | 27 |
| Net operating income to assets | 3.3961% | 141 |
| Return on assets (ROA) | 3.3939% | 142 |
| Pretax return on assets | 4.4338% | 108 |
| Return on Equity (ROE) | 37.9900% | 129 |
| Retained earnings to average equity (ytd only) | 11.8028% | 1,010 |
| Net charge-offs to loans | 1.9240% | 42 |
| Credit loss provision to net charge-offs | 152.7389% | 1,312 |
| Earnings coverage of net charge-offs (x) | 4.4403% | 2,397 |
| Efficiency ratio | 69.9800% | 1,781 |
| Assets per employee ($millions) | 87.8380% | 22 |
| Cash dividends to net income (ytd only)* | 68.9278% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3160% | 94 |
| Loan loss allowance to noncurrent loans | 531.6827% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 1,183 |
| Noncurrent loans to loans | 0.6237% | 1,305 |
| Net loans and leases to total assets | 76.0100% | 1,121 |
| Net loans and leases to deposits | 97.4908% | 644 |
| Net loans and leases to core deposits | 125.3611% | 427 |
| Total domestic deposits to total assets | 77.9700% | 3,820 |
| Equity capital to assets | 8.9260% | 2,464 |
| Core capital (leverage) ratio | 9.2687% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1682% | 2,214 |
| Memoranda: | ||
| Average total assets | $166,994,566,500 | 23 |
| Average earning assets | $163,474,145,500 | 23 |
| Average equity | $14,920,654,250 | 22 |
| Average total loans | $132,198,119,500 | 14 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4706% | 64 |
| Cost of funding earning assets | 3.3261% | 46 |
| Net interest margin | 7.1445% | 48 |
| Noninterest income to average assets | 15.4500% | 76 |
| Noninterest expense to average assets | 16.0532% | 76 |
| Loan and lease loss provision to assets | 2.2600% | 23 |
| Net operating income to assets | 3.1719% | 136 |
| Return on assets (ROA) | 3.1713% | 134 |
| Pretax return on assets | 4.1454% | 108 |
| Return on Equity (ROE) | 35.4800% | 145 |
| Retained earnings to average equity (ytd only) | 13.2940% | 767 |
| Net charge-offs to loans | 1.8519% | 50 |
| Credit loss provision to net charge-offs | 153.4603% | 1,183 |
| Earnings coverage of net charge-offs (x) | 4.3559% | 2,220 |
| Efficiency ratio | 71.4498% | 1,623 |
| Assets per employee ($millions) | 86.2193% | 22 |
| Cash dividends to net income (ytd only)* | 62.5319% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1332% | 121 |
| Loan loss allowance to noncurrent loans | 549.6930% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 1,202 |
| Noncurrent loans to loans | 0.5700% | 1,315 |
| Net loans and leases to total assets | 75.2800% | 1,127 |
| Net loans and leases to deposits | 95.6807% | 751 |
| Net loans and leases to core deposits | 126.1488% | 382 |
| Total domestic deposits to total assets | 78.6800% | 3,762 |
| Equity capital to assets | 8.8464% | 2,627 |
| Core capital (leverage) ratio | 9.2610% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1805% | 2,221 |
| Memoranda: | ||
| Average total assets | $164,393,523,333 | 23 |
| Average earning assets | $161,206,498,333 | 22 |
| Average equity | $14,693,388,333 | 22 |
| Average total loans | $130,455,891,333 | 14 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3230% | 26 |
| Cost of funding earning assets | 3.1359% | 25 |
| Net interest margin | 7.1871% | 41 |
| Noninterest income to average assets | 15.3500% | 77 |
| Noninterest expense to average assets | 16.0076% | 79 |
| Loan and lease loss provision to assets | 2.1400% | 27 |
| Net operating income to assets | 3.2859% | 131 |
| Return on assets (ROA) | 3.2855% | 131 |
| Pretax return on assets | 4.2541% | 104 |
| Return on Equity (ROE) | 36.5600% | 140 |
| Retained earnings to average equity (ytd only) | 8.8124% | 2,001 |
| Net charge-offs to loans | 1.7256% | 46 |
| Credit loss provision to net charge-offs | 154.3687% | 938 |
| Earnings coverage of net charge-offs (x) | 4.6165% | 1,849 |
| Efficiency ratio | 71.4636% | 1,581 |
| Assets per employee ($millions) | 80.5894% | 23 |
| Cash dividends to net income (ytd only)* | 75.8950% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9896% | 127 |
| Loan loss allowance to noncurrent loans | 552.0709% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 1,224 |
| Noncurrent loans to loans | 0.5415% | 1,365 |
| Net loans and leases to total assets | 75.5700% | 1,015 |
| Net loans and leases to deposits | 96.0572% | 647 |
| Net loans and leases to core deposits | 128.2221% | 297 |
| Total domestic deposits to total assets | 78.6700% | 3,926 |
| Equity capital to assets | 8.8134% | 2,655 |
| Core capital (leverage) ratio | 9.2796% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2122% | 2,296 |
| Memoranda: | ||
| Average total assets | $160,414,109,500 | 26 |
| Average earning assets | $157,292,419,500 | 24 |
| Average equity | $14,416,568,000 | 25 |
| Average total loans | $128,711,672,500 | 17 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5162% | 25 |
| Cost of funding earning assets | 1.4573% | 32 |
| Net interest margin | 7.0589% | 31 |
| Noninterest income to average assets | 17.2700% | 77 |
| Noninterest expense to average assets | 16.9760% | 76 |
| Loan and lease loss provision to assets | 1.1000% | 41 |
| Net operating income to assets | 4.7002% | 69 |
| Return on assets (ROA) | 4.6971% | 67 |
| Pretax return on assets | 6.0989% | 65 |
| Return on Equity (ROE) | 49.4000% | 31 |
| Retained earnings to average equity (ytd only) | 14.7696% | 306 |
| Net charge-offs to loans | 0.9864% | 67 |
| Credit loss provision to net charge-offs | 134.2048% | 1,378 |
| Earnings coverage of net charge-offs (x) | 8.7965% | 2,252 |
| Efficiency ratio | 70.2104% | 1,653 |
| Assets per employee ($millions) | 77.9619% | 23 |
| Cash dividends to net income (ytd only)* | 70.1028% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7624% | 157 |
| Loan loss allowance to noncurrent loans | 597.5985% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3824% | 1,338 |
| Noncurrent loans to loans | 0.4623% | 1,552 |
| Net loans and leases to total assets | 80.4500% | 543 |
| Net loans and leases to deposits | 104.2283% | 290 |
| Net loans and leases to core deposits | 139.5639% | 147 |
| Total domestic deposits to total assets | 77.1800% | 4,156 |
| Equity capital to assets | 9.1721% | 2,246 |
| Core capital (leverage) ratio | 9.6931% | 2,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1680% | 2,301 |
| Memoranda: | ||
| Average total assets | $139,849,569,600 | 28 |
| Average earning assets | $136,935,840,800 | 28 |
| Average equity | $13,297,069,200 | 28 |
| Average total loans | $116,071,732,600 | 17 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0186% | 25 |
| Cost of funding earning assets | 1.0115% | 62 |
| Net interest margin | 7.0071% | 30 |
| Noninterest income to average assets | 17.3400% | 79 |
| Noninterest expense to average assets | 17.1702% | 77 |
| Loan and lease loss provision to assets | 0.7300% | 65 |
| Net operating income to assets | 4.7673% | 71 |
| Return on assets (ROA) | 4.7618% | 67 |
| Pretax return on assets | 6.2924% | 64 |
| Return on Equity (ROE) | 49.5800% | 29 |
| Retained earnings to average equity (ytd only) | 9.2503% | 1,565 |
| Net charge-offs to loans | 0.8852% | 60 |
| Credit loss provision to net charge-offs | 99.1399% | 1,342 |
| Earnings coverage of net charge-offs (x) | 9.5572% | 2,019 |
| Efficiency ratio | 70.9502% | 1,652 |
| Assets per employee ($millions) | 78.5445% | 22 |
| Cash dividends to net income (ytd only)* | 81.3430% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6302% | 204 |
| Loan loss allowance to noncurrent loans | 697.6805% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 1,719 |
| Noncurrent loans to loans | 0.3770% | 1,883 |
| Net loans and leases to total assets | 79.1700% | 603 |
| Net loans and leases to deposits | 102.9515% | 266 |
| Net loans and leases to core deposits | 136.8639% | 116 |
| Total domestic deposits to total assets | 76.9000% | 4,325 |
| Equity capital to assets | 8.9470% | 2,247 |
| Core capital (leverage) ratio | 9.5058% | 3,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1225% | 2,417 |
| Memoranda: | ||
| Average total assets | $135,967,442,250 | 28 |
| Average earning assets | $133,092,441,750 | 28 |
| Average equity | $13,058,491,000 | 29 |
| Average total loans | $112,953,302,750 | 17 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5486% | 28 |
| Cost of funding earning assets | 0.6681% | 185 |
| Net interest margin | 6.8805% | 28 |
| Noninterest income to average assets | 17.4370% | 38 |
| Noninterest expense to average assets | 17.2882% | 44 |
| Loan and lease loss provision to assets | 0.2328% | 331 |
| Net operating income to assets | 5.0323% | 30 |
| Return on assets (ROA) | 5.0299% | 28 |
| Pretax return on assets | 6.6436% | 27 |
| Return on Equity (ROE) | 51.0729% | 15 |
| Retained earnings to average equity (ytd only) | 14.1910% | 339 |
| Net charge-offs to loans | 0.8540% | 77 |
| Credit loss provision to net charge-offs | 32.5615% | 1,560 |
| Earnings coverage of net charge-offs (x) | 9.6205% | 1,781 |
| Efficiency ratio | 71.5263% | 1,771 |
| Assets per employee ($millions) | 79.4940% | 22 |
| Cash dividends to net income (ytd only)* | 72.2141% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4608% | 272 |
| Loan loss allowance to noncurrent loans | 778.6126% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 1,986 |
| Noncurrent loans to loans | 0.3161% | 2,210 |
| Net loans and leases to total assets | 81.6376% | 306 |
| Net loans and leases to deposits | 107.6756% | 107 |
| Net loans and leases to core deposits | 138.6911% | 80 |
| Total domestic deposits to total assets | 75.8182% | 4,467 |
| Equity capital to assets | 9.5908% | 1,948 |
| Core capital (leverage) ratio | 10.2893% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5856% | 2,259 |
| Memoranda: | ||
| Average total assets | $132,147,244,333 | 28 |
| Average earning assets | $129,268,966,000 | 28 |
| Average equity | $13,014,539,000 | 29 |
| Average total loans | $110,646,564,333 | 17 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3237% | 31 |
| Cost of funding earning assets | 0.5634% | 339 |
| Net interest margin | 6.7604% | 32 |
| Noninterest income to average assets | 16.8219% | 40 |
| Noninterest expense to average assets | 16.5670% | 43 |
| Loan and lease loss provision to assets | -0.3598% | 4,740 |
| Net operating income to assets | 5.4607% | 35 |
| Return on assets (ROA) | 5.4572% | 33 |
| Pretax return on assets | 7.2179% | 31 |
| Return on Equity (ROE) | 54.6484% | 17 |
| Retained earnings to average equity (ytd only) | 36.0551% | 26 |
| Net charge-offs to loans | 0.7881% | 88 |
| Credit loss provision to net charge-offs | -54.5231% | 2,824 |
| Earnings coverage of net charge-offs (x) | 10.3980% | 1,463 |
| Efficiency ratio | 70.6930% | 2,133 |
| Assets per employee ($millions) | 77.1234% | 23 |
| Cash dividends to net income (ytd only)* | 34.0235% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6194% | 253 |
| Loan loss allowance to noncurrent loans | 783.7547% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 2,039 |
| Noncurrent loans to loans | 0.3342% | 2,289 |
| Net loans and leases to total assets | 79.5860% | 257 |
| Net loans and leases to deposits | 105.8049% | 101 |
| Net loans and leases to core deposits | 140.2293% | 62 |
| Total domestic deposits to total assets | 69.8994% | 4,660 |
| Equity capital to assets | 10.2007% | 1,759 |
| Core capital (leverage) ratio | 10.8861% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6025% | 1,954 |
| Memoranda: | ||
| Average total assets | $129,259,821,000 | 28 |
| Average earning assets | $126,338,920,500 | 28 |
| Average equity | $12,907,877,000 | 30 |
| Average total loans | $108,251,307,500 | 17 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6272% | 49 |
| Cost of funding earning assets | 0.5709% | 629 |
| Net interest margin | 6.0563% | 49 |
| Noninterest income to average assets | 14.9551% | 45 |
| Noninterest expense to average assets | 14.5925% | 47 |
| Loan and lease loss provision to assets | -1.0072% | 4,832 |
| Net operating income to assets | 5.4726% | 39 |
| Return on assets (ROA) | 5.4779% | 39 |
| Pretax return on assets | 7.2704% | 38 |
| Return on Equity (ROE) | 55.7549% | 10 |
| Retained earnings to average equity (ytd only) | -8.1182% | 4,745 |
| Net charge-offs to loans | 0.7814% | 89 |
| Credit loss provision to net charge-offs | -175.9789% | 3,483 |
| Earnings coverage of net charge-offs (x) | 10.9312% | 2,184 |
| Efficiency ratio | 69.9339% | 1,740 |
| Assets per employee ($millions) | 75.9196% | 25 |
| Cash dividends to net income (ytd only)* | 114.5605% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9127% | 160 |
| Loan loss allowance to noncurrent loans | 987.2649% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.2533% | 2,299 |
| Noncurrent loans to loans | 0.2950% | 2,533 |
| Net loans and leases to total assets | 83.3603% | 132 |
| Net loans and leases to deposits | 115.1927% | 55 |
| Net loans and leases to core deposits | 151.5805% | 51 |
| Total domestic deposits to total assets | 67.6746% | 4,712 |
| Equity capital to assets | 9.7614% | 2,883 |
| Core capital (leverage) ratio | 10.5243% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7477% | 2,343 |
| Memoranda: | ||
| Average total assets | $129,074,241,800 | 29 |
| Average earning assets | $125,612,189,200 | 28 |
| Average equity | $12,681,393,400 | 28 |
| Average total loans | $94,541,957,400 | 19 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4444% | 61 |
| Cost of funding earning assets | 0.5944% | 656 |
| Net interest margin | 5.8501% | 64 |
| Noninterest income to average assets | 14.1789% | 53 |
| Noninterest expense to average assets | 13.7348% | 50 |
| Loan and lease loss provision to assets | -1.3294% | 4,910 |
| Net operating income to assets | 5.5946% | 45 |
| Return on assets (ROA) | 5.6001% | 44 |
| Pretax return on assets | 7.4693% | 40 |
| Return on Equity (ROE) | 56.9099% | 10 |
| Retained earnings to average equity (ytd only) | -9.9177% | 4,846 |
| Net charge-offs to loans | 0.8486% | 81 |
| Credit loss provision to net charge-offs | -223.2406% | 3,418 |
| Earnings coverage of net charge-offs (x) | 10.2991% | 2,042 |
| Efficiency ratio | 69.0712% | 1,698 |
| Assets per employee ($millions) | 77.5986% | 22 |
| Cash dividends to net income (ytd only)* | 117.4271% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4890% | 108 |
| Loan loss allowance to noncurrent loans | 1,210.6134% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 2,663 |
| Noncurrent loans to loans | 0.2882% | 2,762 |
| Net loans and leases to total assets | 75.1081% | 607 |
| Net loans and leases to deposits | 98.5220% | 260 |
| Net loans and leases to core deposits | 134.7361% | 97 |
| Total domestic deposits to total assets | 69.0989% | 4,755 |
| Equity capital to assets | 10.1374% | 2,771 |
| Core capital (leverage) ratio | 10.4388% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5998% | 1,762 |
| Memoranda: | ||
| Average total assets | $129,760,267,500 | 29 |
| Average earning assets | $126,186,886,250 | 28 |
| Average equity | $12,768,855,000 | 28 |
| Average total loans | $91,060,316,750 | 19 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1763% | 79 |
| Cost of funding earning assets | 0.6153% | 689 |
| Net interest margin | 5.5610% | 90 |
| Noninterest income to average assets | 13.3534% | 53 |
| Noninterest expense to average assets | 12.8044% | 53 |
| Loan and lease loss provision to assets | -1.6469% | 4,948 |
| Net operating income to assets | 5.6729% | 44 |
| Return on assets (ROA) | 5.6793% | 45 |
| Pretax return on assets | 7.6091% | 39 |
| Return on Equity (ROE) | 58.2575% | 12 |
| Retained earnings to average equity (ytd only) | -11.5782% | 4,880 |
| Net charge-offs to loans | 1.0100% | 80 |
| Credit loss provision to net charge-offs | -240.4500% | 3,258 |
| Earnings coverage of net charge-offs (x) | 8.6933% | 1,868 |
| Efficiency ratio | 68.1970% | 1,861 |
| Assets per employee ($millions) | 80.2064% | 22 |
| Cash dividends to net income (ytd only)* | 119.8742% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9117% | 71 |
| Loan loss allowance to noncurrent loans | 1,366.2058% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.2115% | 2,882 |
| Noncurrent loans to loans | 0.2863% | 2,901 |
| Net loans and leases to total assets | 70.9754% | 1,088 |
| Net loans and leases to deposits | 93.7844% | 468 |
| Net loans and leases to core deposits | 132.1172% | 118 |
| Total domestic deposits to total assets | 67.2257% | 4,804 |
| Equity capital to assets | 9.9693% | 2,881 |
| Core capital (leverage) ratio | 10.2435% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1662% | 1,571 |
| Memoranda: | ||
| Average total assets | $132,196,826,000 | 28 |
| Average earning assets | $128,489,866,000 | 26 |
| Average equity | $12,887,388,000 | 27 |
| Average total loans | $89,648,715,333 | 18 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1270% | 88 |
| Cost of funding earning assets | 0.6410% | 732 |
| Net interest margin | 5.4860% | 107 |
| Noninterest income to average assets | 11.9950% | 60 |
| Noninterest expense to average assets | 11.5311% | 59 |
| Loan and lease loss provision to assets | -1.8757% | 4,974 |
| Net operating income to assets | 5.6542% | 48 |
| Return on assets (ROA) | 5.6524% | 50 |
| Pretax return on assets | 7.6652% | 45 |
| Return on Equity (ROE) | 58.6036% | 22 |
| Retained earnings to average equity (ytd only) | -21.2598% | 4,925 |
| Net charge-offs to loans | 1.1905% | 59 |
| Credit loss provision to net charge-offs | -242.4854% | 3,007 |
| Earnings coverage of net charge-offs (x) | 7.4871% | 1,613 |
| Efficiency ratio | 66.5003% | 2,157 |
| Assets per employee ($millions) | 86.8249% | 19 |
| Cash dividends to net income (ytd only)* | 136.2773% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0012% | 39 |
| Loan loss allowance to noncurrent loans | 1,215.1460% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 2,854 |
| Noncurrent loans to loans | 0.4116% | 2,628 |
| Net loans and leases to total assets | 59.5580% | 2,591 |
| Net loans and leases to deposits | 77.8862% | 1,731 |
| Net loans and leases to core deposits | 114.8208% | 305 |
| Total domestic deposits to total assets | 66.3265% | 4,832 |
| Equity capital to assets | 9.2339% | 3,467 |
| Core capital (leverage) ratio | 9.9855% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7709% | 1,112 |
| Memoranda: | ||
| Average total assets | $135,012,366,000 | 25 |
| Average earning assets | $131,118,364,500 | 24 |
| Average equity | $13,022,239,500 | 26 |
| Average total loans | $87,729,335,000 | 19 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2951% | 37 |
| Cost of funding earning assets | 1.0809% | 433 |
| Net interest margin | 6.2141% | 37 |
| Noninterest income to average assets | 11.8693% | 60 |
| Noninterest expense to average assets | 10.0183% | 74 |
| Loan and lease loss provision to assets | 2.8414% | 19 |
| Net operating income to assets | 3.9153% | 60 |
| Return on assets (ROA) | 3.9157% | 60 |
| Pretax return on assets | 5.0511% | 56 |
| Return on Equity (ROE) | 38.2780% | 34 |
| Retained earnings to average equity (ytd only) | 4.8410% | 2,347 |
| Net charge-offs to loans | 2.5640% | 35 |
| Credit loss provision to net charge-offs | 158.8746% | 2,373 |
| Earnings coverage of net charge-offs (x) | 4.4127% | 2,987 |
| Efficiency ratio | 55.9362% | 3,989 |
| Assets per employee ($millions) | 438.1340% | 6 |
| Cash dividends to net income (ytd only)* | 87.3530% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8146% | 26 |
| Loan loss allowance to noncurrent loans | 1,272.5388% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 2,766 |
| Noncurrent loans to loans | 0.4569% | 2,600 |
| Net loans and leases to total assets | 63.4262% | 2,439 |
| Net loans and leases to deposits | 83.3337% | 1,509 |
| Net loans and leases to core deposits | 126.7115% | 230 |
| Total domestic deposits to total assets | 65.4983% | 4,854 |
| Equity capital to assets | 10.0705% | 3,066 |
| Core capital (leverage) ratio | 10.9186% | 1,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3202% | 996 |
| Memoranda: | ||
| Average total assets | $131,559,240,600 | 25 |
| Average earning assets | $127,890,103,000 | 22 |
| Average equity | $13,458,133,200 | 26 |
| Average total loans | $91,765,501,800 | 18 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5457% | 31 |
| Cost of funding earning assets | 1.1997% | 377 |
| Net interest margin | 6.3461% | 33 |
| Noninterest income to average assets | 11.5053% | 64 |
| Noninterest expense to average assets | 9.8309% | 77 |
| Loan and lease loss provision to assets | 3.8425% | 16 |
| Net operating income to assets | 3.1139% | 83 |
| Return on assets (ROA) | 3.1146% | 88 |
| Pretax return on assets | 4.0074% | 67 |
| Return on Equity (ROE) | 30.3277% | 63 |
| Retained earnings to average equity (ytd only) | -0.3333% | 4,535 |
| Net charge-offs to loans | 2.7574% | 35 |
| Credit loss provision to net charge-offs | 198.0471% | 2,123 |
| Earnings coverage of net charge-offs (x) | 4.0455% | 2,859 |
| Efficiency ratio | 55.6052% | 3,973 |
| Assets per employee ($millions) | 429.6260% | 5 |
| Cash dividends to net income (ytd only)* | 101.0991% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5889% | 26 |
| Loan loss allowance to noncurrent loans | 1,030.9695% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 2,526 |
| Noncurrent loans to loans | 0.6391% | 2,194 |
| Net loans and leases to total assets | 59.9427% | 3,235 |
| Net loans and leases to deposits | 79.9910% | 2,315 |
| Net loans and leases to core deposits | 127.3897% | 282 |
| Total domestic deposits to total assets | 63.3627% | 4,898 |
| Equity capital to assets | 9.4352% | 3,736 |
| Core capital (leverage) ratio | 10.0911% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2849% | 1,008 |
| Memoranda: | ||
| Average total assets | $131,260,396,500 | 24 |
| Average earning assets | $127,711,336,000 | 22 |
| Average equity | $13,480,399,000 | 26 |
| Average total loans | $92,357,035,500 | 18 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0171% | 31 |
| Cost of funding earning assets | 1.3523% | 285 |
| Net interest margin | 6.6648% | 40 |
| Noninterest income to average assets | 11.2922% | 58 |
| Noninterest expense to average assets | 9.8730% | 76 |
| Loan and lease loss provision to assets | 4.9101% | 16 |
| Net operating income to assets | 2.3599% | 172 |
| Return on assets (ROA) | 2.3611% | 188 |
| Pretax return on assets | 3.0052% | 113 |
| Return on Equity (ROE) | 22.3648% | 151 |
| Retained earnings to average equity (ytd only) | 22.3648% | 67 |
| Net charge-offs to loans | 2.8556% | 37 |
| Credit loss provision to net charge-offs | 237.1883% | 1,784 |
| Earnings coverage of net charge-offs (x) | 3.8228% | 2,649 |
| Efficiency ratio | 55.5079% | 4,003 |
| Assets per employee ($millions) | 440.1055% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5717% | 24 |
| Loan loss allowance to noncurrent loans | 806.5602% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.5063% | 2,322 |
| Noncurrent loans to loans | 0.8148% | 1,864 |
| Net loans and leases to total assets | 58.0594% | 3,507 |
| Net loans and leases to deposits | 79.2329% | 2,518 |
| Net loans and leases to core deposits | 132.1505% | 238 |
| Total domestic deposits to total assets | 61.2725% | 4,954 |
| Equity capital to assets | 10.2869% | 2,938 |
| Core capital (leverage) ratio | 11.2947% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2026% | 750 |
| Memoranda: | ||
| Average total assets | $130,189,550,333 | 24 |
| Average earning assets | $126,862,582,667 | 22 |
| Average equity | $13,744,608,333 | 25 |
| Average total loans | $94,378,567,333 | 17 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1843% | 29 |
| Cost of funding earning assets | 1.5929% | 197 |
| Net interest margin | 7.5914% | 29 |
| Noninterest income to average assets | 12.7668% | 50 |
| Noninterest expense to average assets | 11.6409% | 67 |
| Loan and lease loss provision to assets | 6.2798% | 12 |
| Net operating income to assets | 1.8000% | 415 |
| Return on assets (ROA) | 1.8019% | 457 |
| Pretax return on assets | 2.2623% | 258 |
| Return on Equity (ROE) | 16.8307% | 351 |
| Retained earnings to average equity (ytd only) | 16.8307% | 119 |
| Net charge-offs to loans | 2.8247% | 46 |
| Credit loss provision to net charge-offs | 284.3355% | 1,214 |
| Earnings coverage of net charge-offs (x) | 3.8666% | 2,181 |
| Efficiency ratio | 57.6837% | 4,042 |
| Assets per employee ($millions) | 392.7621% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2357% | 38 |
| Loan loss allowance to noncurrent loans | 621.9784% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 2,111 |
| Noncurrent loans to loans | 0.8418% | 1,932 |
| Net loans and leases to total assets | 70.9350% | 2,100 |
| Net loans and leases to deposits | 100.7779% | 504 |
| Net loans and leases to core deposits | 176.9384% | 54 |
| Total domestic deposits to total assets | 59.9708% | 5,023 |
| Equity capital to assets | 10.2262% | 3,578 |
| Core capital (leverage) ratio | 11.5130% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8069% | 1,393 |
| Memoranda: | ||
| Average total assets | $125,967,703,500 | 24 |
| Average earning assets | $123,020,686,500 | 22 |
| Average equity | $13,486,414,000 | 26 |
| Average total loans | $98,492,258,500 | 15 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5525% | 27 |
| Cost of funding earning assets | 2.0040% | 61 |
| Net interest margin | 7.5485% | 34 |
| Noninterest income to average assets | 13.6854% | 51 |
| Noninterest expense to average assets | 12.4439% | 53 |
| Loan and lease loss provision to assets | 2.2742% | 36 |
| Net operating income to assets | 4.8978% | 40 |
| Return on assets (ROA) | 4.8986% | 43 |
| Pretax return on assets | 6.3347% | 37 |
| Return on Equity (ROE) | 48.3640% | 12 |
| Retained earnings to average equity (ytd only) | 16.5154% | 62 |
| Net charge-offs to loans | 2.5883% | 45 |
| Credit loss provision to net charge-offs | 110.4195% | 2,261 |
| Earnings coverage of net charge-offs (x) | 4.1794% | 3,246 |
| Efficiency ratio | 59.1110% | 3,825 |
| Assets per employee ($millions) | 430.8522% | 3 |
| Cash dividends to net income (ytd only)* | 65.8518% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5472% | 206 |
| Loan loss allowance to noncurrent loans | 304.1273% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 1,886 |
| Noncurrent loans to loans | 0.8375% | 1,835 |
| Net loans and leases to total assets | 79.6614% | 831 |
| Net loans and leases to deposits | 123.9769% | 66 |
| Net loans and leases to core deposits | 200.4427% | 40 |
| Total domestic deposits to total assets | 60.0489% | 5,086 |
| Equity capital to assets | 11.2181% | 2,797 |
| Core capital (leverage) ratio | 11.1410% | 2,383 |
| Tier 1 risk-based capital ratio | 13.3565% | 3,601 |
| Total risk-based capital ratio | 15.4075% | 3,099 |
| Memoranda: | ||
| Average total assets | $120,371,881,000 | 26 |
| Average earning assets | $117,467,171,000 | 22 |
| Average equity | $12,192,080,000 | 29 |
| Average total loans | $95,782,541,400 | 14 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5215% | 28 |
| Cost of funding earning assets | 2.0751% | 46 |
| Net interest margin | 7.4463% | 35 |
| Noninterest income to average assets | 13.4516% | 51 |
| Noninterest expense to average assets | 12.3511% | 53 |
| Loan and lease loss provision to assets | 2.1588% | 41 |
| Net operating income to assets | 4.7804% | 39 |
| Return on assets (ROA) | 4.7815% | 41 |
| Pretax return on assets | 6.2117% | 37 |
| Return on Equity (ROE) | 48.5341% | 13 |
| Retained earnings to average equity (ytd only) | 8.1195% | 1,343 |
| Net charge-offs to loans | 2.5629% | 42 |
| Credit loss provision to net charge-offs | 106.5939% | 2,140 |
| Earnings coverage of net charge-offs (x) | 4.1324% | 3,039 |
| Efficiency ratio | 59.6091% | 3,708 |
| Assets per employee ($millions) | 427.6560% | 3 |
| Cash dividends to net income (ytd only)* | 83.2705% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4970% | 220 |
| Loan loss allowance to noncurrent loans | 307.1329% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 2,061 |
| Noncurrent loans to loans | 0.8130% | 1,938 |
| Net loans and leases to total assets | 78.0052% | 1,145 |
| Net loans and leases to deposits | 120.4125% | 92 |
| Net loans and leases to core deposits | 200.8213% | 44 |
| Total domestic deposits to total assets | 60.7460% | 5,159 |
| Equity capital to assets | 10.3075% | 3,716 |
| Core capital (leverage) ratio | 10.1267% | 3,495 |
| Tier 1 risk-based capital ratio | 12.4562% | 4,171 |
| Total risk-based capital ratio | 14.5307% | 3,601 |
| Memoranda: | ||
| Average total assets | $119,982,061,500 | 26 |
| Average earning assets | $117,118,360,500 | 22 |
| Average equity | $11,820,521,750 | 31 |
| Average total loans | $94,810,451,750 | 15 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3874% | 28 |
| Cost of funding earning assets | 2.0856% | 40 |
| Net interest margin | 7.3018% | 36 |
| Noninterest income to average assets | 13.2703% | 52 |
| Noninterest expense to average assets | 12.2648% | 55 |
| Loan and lease loss provision to assets | 2.1106% | 38 |
| Net operating income to assets | 4.6444% | 36 |
| Return on assets (ROA) | 4.6460% | 39 |
| Pretax return on assets | 6.0373% | 37 |
| Return on Equity (ROE) | 47.8986% | 12 |
| Retained earnings to average equity (ytd only) | 0.0472% | 4,676 |
| Net charge-offs to loans | 2.5997% | 39 |
| Credit loss provision to net charge-offs | 103.1673% | 1,918 |
| Earnings coverage of net charge-offs (x) | 3.9817% | 2,778 |
| Efficiency ratio | 60.0903% | 3,717 |
| Assets per employee ($millions) | 425.9841% | 3 |
| Cash dividends to net income (ytd only)* | 99.9015% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4210% | 248 |
| Loan loss allowance to noncurrent loans | 322.3453% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5990% | 2,228 |
| Noncurrent loans to loans | 0.7511% | 2,107 |
| Net loans and leases to total assets | 77.8177% | 1,256 |
| Net loans and leases to deposits | 118.7290% | 99 |
| Net loans and leases to core deposits | 206.5672% | 42 |
| Total domestic deposits to total assets | 60.2602% | 5,208 |
| Equity capital to assets | 9.7150% | 4,220 |
| Core capital (leverage) ratio | 9.7210% | 3,910 |
| Tier 1 risk-based capital ratio | 11.8548% | 4,499 |
| Total risk-based capital ratio | 13.9373% | 3,918 |
| Memoranda: | ||
| Average total assets | $119,918,974,000 | 26 |
| Average earning assets | $117,266,017,670 | 22 |
| Average equity | $11,631,828,330 | 31 |
| Average total loans | $94,367,090,670 | 15 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3997% | 28 |
| Cost of funding earning assets | 2.1067% | 30 |
| Net interest margin | 7.2930% | 35 |
| Noninterest income to average assets | 12.7498% | 50 |
| Noninterest expense to average assets | 12.0432% | 52 |
| Loan and lease loss provision to assets | 2.0131% | 39 |
| Net operating income to assets | 4.4876% | 47 |
| Return on assets (ROA) | 4.4892% | 50 |
| Pretax return on assets | 5.8298% | 45 |
| Return on Equity (ROE) | 46.3182% | 20 |
| Retained earnings to average equity (ytd only) | -3.2488% | 4,828 |
| Net charge-offs to loans | 2.6093% | 39 |
| Credit loss provision to net charge-offs | 98.7051% | 1,643 |
| Earnings coverage of net charge-offs (x) | 3.8445% | 2,372 |
| Efficiency ratio | 60.5668% | 3,738 |
| Assets per employee ($millions) | 442.3598% | 3 |
| Cash dividends to net income (ytd only)* | 107.0141% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4351% | 266 |
| Loan loss allowance to noncurrent loans | 302.2068% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 2,239 |
| Noncurrent loans to loans | 0.8058% | 2,024 |
| Net loans and leases to total assets | 74.0417% | 1,790 |
| Net loans and leases to deposits | 115.6248% | 132 |
| Net loans and leases to core deposits | 203.1319% | 42 |
| Total domestic deposits to total assets | 59.2316% | 5,283 |
| Equity capital to assets | 9.4060% | 4,337 |
| Core capital (leverage) ratio | 9.4415% | 4,207 |
| Tier 1 risk-based capital ratio | 12.0580% | 4,425 |
| Total risk-based capital ratio | 14.1626% | 3,816 |
| Memoranda: | ||
| Average total assets | $119,814,696,000 | 26 |
| Average earning assets | $117,207,979,500 | 22 |
| Average equity | $11,612,567,500 | 31 |
| Average total loans | $93,650,729,000 | 16 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8655% | 30 |
| Cost of funding earning assets | 1.7394% | 36 |
| Net interest margin | 7.1261% | 35 |
| Noninterest income to average assets | 13.1013% | 49 |
| Noninterest expense to average assets | 11.7677% | 51 |
| Loan and lease loss provision to assets | 2.2011% | 29 |
| Net operating income to assets | 4.7504% | 38 |
| Return on assets (ROA) | 4.7496% | 37 |
| Pretax return on assets | 6.0750% | 36 |
| Return on Equity (ROE) | 45.9944% | 9 |
| Retained earnings to average equity (ytd only) | -3.4778% | 5,198 |
| Net charge-offs to loans | 2.3146% | 46 |
| Credit loss provision to net charge-offs | 122.6361% | 2,129 |
| Earnings coverage of net charge-offs (x) | 4.6117% | 3,278 |
| Efficiency ratio | 58.7072% | 4,048 |
| Assets per employee ($millions) | 418.1125% | 3 |
| Cash dividends to net income (ytd only)* | 107.5614% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4267% | 247 |
| Loan loss allowance to noncurrent loans | 314.0588% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 2,179 |
| Noncurrent loans to loans | 0.7727% | 2,072 |
| Net loans and leases to total assets | 78.6045% | 1,166 |
| Net loans and leases to deposits | 124.1113% | 70 |
| Net loans and leases to core deposits | 224.7611% | 37 |
| Total domestic deposits to total assets | 59.9179% | 5,316 |
| Equity capital to assets | 9.9937% | 3,690 |
| Core capital (leverage) ratio | 9.9015% | 3,694 |
| Tier 1 risk-based capital ratio | 12.0826% | 4,372 |
| Total risk-based capital ratio | 14.1824% | 3,771 |
| Memoranda: | ||
| Average total assets | $114,960,951,400 | 28 |
| Average earning assets | $112,014,169,200 | 21 |
| Average equity | $11,871,302,800 | 30 |
| Average total loans | $89,143,178,000 | 17 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6618% | 29 |
| Cost of funding earning assets | 1.6495% | 37 |
| Net interest margin | 7.0123% | 37 |
| Noninterest income to average assets | 12.8582% | 51 |
| Noninterest expense to average assets | 11.4899% | 53 |
| Loan and lease loss provision to assets | 2.0718% | 33 |
| Net operating income to assets | 4.6821% | 39 |
| Return on assets (ROA) | 4.6806% | 38 |
| Pretax return on assets | 6.1206% | 38 |
| Return on Equity (ROE) | 44.9579% | 11 |
| Retained earnings to average equity (ytd only) | -5.2227% | 5,326 |
| Net charge-offs to loans | 2.3308% | 40 |
| Credit loss provision to net charge-offs | 115.7798% | 2,043 |
| Earnings coverage of net charge-offs (x) | 4.5793% | 3,044 |
| Efficiency ratio | 58.3715% | 4,062 |
| Assets per employee ($millions) | 420.7121% | 3 |
| Cash dividends to net income (ytd only)* | 111.6169% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3011% | 303 |
| Loan loss allowance to noncurrent loans | 320.1960% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 2,539 |
| Noncurrent loans to loans | 0.7186% | 2,282 |
| Net loans and leases to total assets | 74.9063% | 1,832 |
| Net loans and leases to deposits | 116.1918% | 144 |
| Net loans and leases to core deposits | 229.6062% | 34 |
| Total domestic deposits to total assets | 59.2554% | 5,399 |
| Equity capital to assets | 9.9554% | 3,695 |
| Core capital (leverage) ratio | 10.0309% | 3,603 |
| Tier 1 risk-based capital ratio | 12.5010% | 4,199 |
| Total risk-based capital ratio | 14.6325% | 3,614 |
| Memoranda: | ||
| Average total assets | $114,537,844,250 | 27 |
| Average earning assets | $111,493,489,250 | 21 |
| Average equity | $11,924,625,000 | 30 |
| Average total loans | $87,935,144,500 | 17 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4588% | 31 |
| Cost of funding earning assets | 1.5525% | 45 |
| Net interest margin | 6.9063% | 38 |
| Noninterest income to average assets | 12.7362% | 51 |
| Noninterest expense to average assets | 11.4098% | 56 |
| Loan and lease loss provision to assets | 2.0208% | 34 |
| Net operating income to assets | 4.6305% | 39 |
| Return on assets (ROA) | 4.6288% | 39 |
| Pretax return on assets | 6.0315% | 38 |
| Return on Equity (ROE) | 43.8067% | 13 |
| Retained earnings to average equity (ytd only) | -7.8877% | 5,379 |
| Net charge-offs to loans | 2.3065% | 42 |
| Credit loss provision to net charge-offs | 114.0689% | 1,848 |
| Earnings coverage of net charge-offs (x) | 4.5464% | 2,783 |
| Efficiency ratio | 58.6192% | 4,135 |
| Assets per employee ($millions) | 412.1884% | 3 |
| Cash dividends to net income (ytd only)* | 118.0057% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2462% | 345 |
| Loan loss allowance to noncurrent loans | 308.0365% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 2,563 |
| Noncurrent loans to loans | 0.7292% | 2,282 |
| Net loans and leases to total assets | 74.5291% | 1,861 |
| Net loans and leases to deposits | 112.8712% | 218 |
| Net loans and leases to core deposits | 235.1924% | 32 |
| Total domestic deposits to total assets | 58.8968% | 5,456 |
| Equity capital to assets | 10.1557% | 3,482 |
| Core capital (leverage) ratio | 10.2886% | 3,250 |
| Tier 1 risk-based capital ratio | 12.7213% | 4,051 |
| Total risk-based capital ratio | 14.8680% | 3,461 |
| Memoranda: | ||
| Average total assets | $113,871,372,670 | 27 |
| Average earning assets | $110,933,546,330 | 22 |
| Average equity | $12,032,243,670 | 29 |
| Average total loans | $87,463,592,670 | 18 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8917% | 21 |
| Cost of funding earning assets | 1.6848% | 15 |
| Net interest margin | 8.2069% | 26 |
| Noninterest income to average assets | 10.9799% | 54 |
| Noninterest expense to average assets | 10.8542% | 62 |
| Loan and lease loss provision to assets | 2.0700% | 33 |
| Net operating income to assets | 4.6596% | 43 |
| Return on assets (ROA) | 4.6573% | 43 |
| Pretax return on assets | 6.0842% | 41 |
| Return on Equity (ROE) | 44.2638% | 15 |
| Retained earnings to average equity (ytd only) | 26.1967% | 39 |
| Net charge-offs to loans | 2.6147% | 40 |
| Credit loss provision to net charge-offs | 103.0610% | 1,513 |
| Earnings coverage of net charge-offs (x) | 4.0612% | 2,334 |
| Efficiency ratio | 57.0935% | 4,453 |
| Assets per employee ($millions) | 428.4649% | 4 |
| Cash dividends to net income (ytd only)* | 40.8169% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6525% | 214 |
| Loan loss allowance to noncurrent loans | 289.9877% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.6939% | 2,245 |
| Noncurrent loans to loans | 0.9147% | 1,992 |
| Net loans and leases to total assets | 73.8508% | 1,879 |
| Net loans and leases to deposits | 153.5821% | 11 |
| Net loans and leases to core deposits | 14,155.3661% | 7 |
| Total domestic deposits to total assets | 39.6713% | 5,564 |
| Equity capital to assets | 10.9880% | 2,595 |
| Core capital (leverage) ratio | 10.8452% | 2,582 |
| Tier 1 risk-based capital ratio | 14.1728% | 3,291 |
| Total risk-based capital ratio | 15.4394% | 3,203 |
| Memoranda: | ||
| Average total assets | $58,495,932,500 | 39 |
| Average earning assets | $57,245,143,000 | 39 |
| Average equity | $6,154,832,000 | 41 |
| Average total loans | $44,935,260,500 | 35 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7010% | 26 |
| Cost of funding earning assets | 1.5120% | 22 |
| Net interest margin | 7.1890% | 36 |
| Noninterest income to average assets | 14.0124% | 51 |
| Noninterest expense to average assets | 10.7311% | 62 |
| Loan and lease loss provision to assets | 2.6858% | 24 |
| Net operating income to assets | 4.4476% | 39 |
| Return on assets (ROA) | 4.4476% | 39 |
| Pretax return on assets | 7.4824% | 27 |
| Return on Equity (ROE) | 28.7397% | 38 |
| Retained earnings to average equity (ytd only) | -1.5504% | 5,234 |
| Net charge-offs to loans | 3.1971% | 37 |
| Credit loss provision to net charge-offs | 121.1875% | 2,156 |
| Earnings coverage of net charge-offs (x) | 4.5881% | 3,446 |
| Efficiency ratio | 51.3466% | 5,142 |
| Assets per employee ($millions) | 196.5087% | 10 |
| Cash dividends to net income (ytd only)* | 105.3945% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5114% | 242 |
| Loan loss allowance to noncurrent loans | 306.1291% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 2,418 |
| Noncurrent loans to loans | 0.8204% | 2,164 |
| Net loans and leases to total assets | 75.7986% | 1,636 |
| Net loans and leases to deposits | 165.8557% | 7 |
| Net loans and leases to core deposits | 6,082.4982% | 7 |
| Total domestic deposits to total assets | 40.0277% | 5,631 |
| Equity capital to assets | 10.0659% | 3,626 |
| Core capital (leverage) ratio | 10.1929% | 3,202 |
| Tier 1 risk-based capital ratio | 12.6873% | 4,099 |
| Total risk-based capital ratio | 13.9523% | 3,988 |
| Memoranda: | ||
| Average total assets | $40,789,086,600 | 50 |
| Average earning assets | $39,074,756,200 | 47 |
| Average equity | $6,312,309,200 | 39 |
| Average total loans | $28,275,174,200 | 43 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8972% | 41 |
| Cost of funding earning assets | 1.4392% | 26 |
| Net interest margin | 6.4580% | 49 |
| Noninterest income to average assets | 15.4994% | 50 |
| Noninterest expense to average assets | 10.3062% | 68 |
| Loan and lease loss provision to assets | 2.4914% | 29 |
| Net operating income to assets | 5.6497% | 31 |
| Return on assets (ROA) | 5.6497% | 31 |
| Pretax return on assets | 8.8320% | 28 |
| Return on Equity (ROE) | 31.9456% | 26 |
| Retained earnings to average equity (ytd only) | 1.9553% | 4,656 |
| Net charge-offs to loans | 3.2985% | 39 |
| Credit loss provision to net charge-offs | 114.6582% | 2,082 |
| Earnings coverage of net charge-offs (x) | 5.2111% | 3,134 |
| Efficiency ratio | 47.6485% | 5,363 |
| Assets per employee ($millions) | 127.4852% | 12 |
| Cash dividends to net income (ytd only)* | 93.8793% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9926% | 154 |
| Loan loss allowance to noncurrent loans | 308.4349% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 2,597 |
| Noncurrent loans to loans | 0.9703% | 1,984 |
| Net loans and leases to total assets | 63.6784% | 3,455 |
| Net loans and leases to deposits | 95.6584% | 1,137 |
| Net loans and leases to core deposits | 6,796.5222% | 7 |
| Total domestic deposits to total assets | 59.0767% | 5,660 |
| Equity capital to assets | 17.4777% | 379 |
| Core capital (leverage) ratio | 15.8816% | 509 |
| Tier 1 risk-based capital ratio | 16.6217% | 2,277 |
| Total risk-based capital ratio | 17.8816% | 2,230 |
| Memoranda: | ||
| Average total assets | $36,199,081,750 | 51 |
| Average earning assets | $34,361,558,500 | 49 |
| Average equity | $6,401,914,750 | 39 |
| Average total loans | $23,846,669,000 | 48 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5216% | 47 |
| Cost of funding earning assets | 1.3450% | 30 |
| Net interest margin | 6.1765% | 63 |
| Noninterest income to average assets | 15.4957% | 48 |
| Noninterest expense to average assets | 10.1493% | 70 |
| Loan and lease loss provision to assets | 2.1249% | 40 |
| Net operating income to assets | 5.8791% | 32 |
| Return on assets (ROA) | 5.8791% | 32 |
| Pretax return on assets | 9.1453% | 30 |
| Return on Equity (ROE) | 33.1113% | 27 |
| Retained earnings to average equity (ytd only) | 3.6936% | 3,496 |
| Net charge-offs to loans | 3.5458% | 35 |
| Credit loss provision to net charge-offs | 90.8591% | 2,134 |
| Earnings coverage of net charge-offs (x) | 4.8191% | 2,884 |
| Efficiency ratio | 47.3834% | 5,421 |
| Assets per employee ($millions) | 125.8851% | 12 |
| Cash dividends to net income (ytd only)* | 88.8450% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6279% | 244 |
| Loan loss allowance to noncurrent loans | 295.2509% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 2,952 |
| Noncurrent loans to loans | 0.8900% | 2,195 |
| Net loans and leases to total assets | 59.4426% | 3,890 |
| Net loans and leases to deposits | 86.8424% | 2,129 |
| Net loans and leases to core deposits | 5,723.0748% | 8 |
| Total domestic deposits to total assets | 52.1030% | 5,729 |
| Equity capital to assets | 17.3500% | 379 |
| Core capital (leverage) ratio | 16.4628% | 425 |
| Tier 1 risk-based capital ratio | 16.9193% | 2,173 |
| Total risk-based capital ratio | 18.1755% | 2,133 |
| Memoranda: | ||
| Average total assets | $36,069,356,000 | 51 |
| Average earning assets | $34,593,364,000 | 49 |
| Average equity | $6,404,295,330 | 39 |
| Average total loans | $23,789,701,000 | 48 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8590% | 43 |
| Cost of funding earning assets | 1.2630% | 43 |
| Net interest margin | 6.5960% | 47 |
| Noninterest income to average assets | 14.8848% | 51 |
| Noninterest expense to average assets | 9.7918% | 71 |
| Loan and lease loss provision to assets | 1.7574% | 43 |
| Net operating income to assets | 6.3160% | 31 |
| Return on assets (ROA) | 6.3160% | 31 |
| Pretax return on assets | 9.6731% | 24 |
| Return on Equity (ROE) | 35.1547% | 28 |
| Retained earnings to average equity (ytd only) | 11.3267% | 558 |
| Net charge-offs to loans | 3.5367% | 41 |
| Credit loss provision to net charge-offs | 72.5325% | 1,814 |
| Earnings coverage of net charge-offs (x) | 4.7177% | 2,354 |
| Efficiency ratio | 46.1392% | 5,523 |
| Assets per employee ($millions) | 117.7349% | 12 |
| Cash dividends to net income (ytd only)* | 67.7806% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5863% | 283 |
| Loan loss allowance to noncurrent loans | 271.1512% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 2,801 |
| Noncurrent loans to loans | 0.9538% | 2,137 |
| Net loans and leases to total assets | 62.5698% | 3,456 |
| Net loans and leases to deposits | 117.8642% | 104 |
| Net loans and leases to core deposits | 5,591.0031% | 9 |
| Total domestic deposits to total assets | 50.0864% | 5,803 |
| Equity capital to assets | 18.8028% | 261 |
| Core capital (leverage) ratio | 17.3849% | 335 |
| Tier 1 risk-based capital ratio | 17.7403% | 1,962 |
| Total risk-based capital ratio | 18.9964% | 1,913 |
| Memoranda: | ||
| Average total assets | $35,598,931,500 | 51 |
| Average earning assets | $34,203,141,000 | 49 |
| Average equity | $6,395,815,000 | 39 |
| Average total loans | $24,387,767,000 | 47 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7514% | 63 |
| Cost of funding earning assets | 1.0823% | 108 |
| Net interest margin | 5.6692% | 87 |
| Noninterest income to average assets | 14.0382% | 51 |
| Noninterest expense to average assets | 10.3779% | 72 |
| Loan and lease loss provision to assets | 1.8109% | 46 |
| Net operating income to assets | 4.6779% | 39 |
| Return on assets (ROA) | 4.6779% | 40 |
| Pretax return on assets | 7.3177% | 31 |
| Return on Equity (ROE) | 27.5730% | 56 |
| Retained earnings to average equity (ytd only) | 1.9174% | 4,444 |
| Net charge-offs to loans | 2.2890% | 58 |
| Credit loss provision to net charge-offs | 114.7735% | 2,290 |
| Earnings coverage of net charge-offs (x) | 5.7857% | 3,289 |
| Efficiency ratio | 53.2024% | 5,301 |
| Assets per employee ($millions) | 126.1221% | 11 |
| Cash dividends to net income (ytd only)* | 93.0461% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3754% | 367 |
| Loan loss allowance to noncurrent loans | 265.9696% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 2,786 |
| Noncurrent loans to loans | 0.8931% | 2,309 |
| Net loans and leases to total assets | 70.8034% | 2,369 |
| Net loans and leases to deposits | 123.8898% | 60 |
| Net loans and leases to core deposits | 3,026.7492% | 10 |
| Total domestic deposits to total assets | 47.1527% | 5,867 |
| Equity capital to assets | 17.1800% | 367 |
| Core capital (leverage) ratio | 16.1993% | 438 |
| Tier 1 risk-based capital ratio | 16.5245% | 2,342 |
| Total risk-based capital ratio | 17.7824% | 2,277 |
| Memoranda: | ||
| Average total assets | $37,035,536,800 | 48 |
| Average earning assets | $35,722,488,200 | 46 |
| Average equity | $6,283,238,800 | 39 |
| Average total loans | $25,527,827,800 | 44 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5840% | 65 |
| Cost of funding earning assets | 1.0626% | 121 |
| Net interest margin | 5.5214% | 108 |
| Noninterest income to average assets | 13.7718% | 53 |
| Noninterest expense to average assets | 10.0161% | 73 |
| Loan and lease loss provision to assets | 1.5396% | 58 |
| Net operating income to assets | 4.7542% | 37 |
| Return on assets (ROA) | 4.7542% | 37 |
| Pretax return on assets | 7.5431% | 29 |
| Return on Equity (ROE) | 28.1110% | 52 |
| Retained earnings to average equity (ytd only) | 2.5610% | 4,378 |
| Net charge-offs to loans | 2.2344% | 54 |
| Credit loss provision to net charge-offs | 101.2756% | 2,323 |
| Earnings coverage of net charge-offs (x) | 5.9745% | 3,050 |
| Efficiency ratio | 52.4435% | 5,353 |
| Assets per employee ($millions) | 178.2606% | 11 |
| Cash dividends to net income (ytd only)* | 90.8898% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2089% | 510 |
| Loan loss allowance to noncurrent loans | 278.9950% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5062% | 3,423 |
| Noncurrent loans to loans | 0.7917% | 2,695 |
| Net loans and leases to total assets | 62.5256% | 3,580 |
| Net loans and leases to deposits | 99.1361% | 764 |
| Net loans and leases to core deposits | 4,686.7114% | 9 |
| Total domestic deposits to total assets | 44.6439% | 5,934 |
| Equity capital to assets | 16.1263% | 533 |
| Core capital (leverage) ratio | 15.8477% | 504 |
| Tier 1 risk-based capital ratio | 17.0315% | 2,214 |
| Total risk-based capital ratio | 18.2873% | 2,173 |
| Memoranda: | ||
| Average total assets | $37,119,040,000 | 49 |
| Average earning assets | $35,812,617,000 | 46 |
| Average equity | $6,277,713,750 | 39 |
| Average total loans | $25,255,236,750 | 44 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5926% | 72 |
| Cost of funding earning assets | 1.0518% | 119 |
| Net interest margin | 5.5408% | 105 |
| Noninterest income to average assets | 14.0052% | 51 |
| Noninterest expense to average assets | 10.1351% | 67 |
| Loan and lease loss provision to assets | 1.3898% | 67 |
| Net operating income to assets | 4.9769% | 37 |
| Return on assets (ROA) | 4.9769% | 37 |
| Pretax return on assets | 7.8416% | 28 |
| Return on Equity (ROE) | 28.9478% | 50 |
| Retained earnings to average equity (ytd only) | 5.0630% | 2,690 |
| Net charge-offs to loans | 2.2959% | 63 |
| Credit loss provision to net charge-offs | 87.0990% | 2,285 |
| Earnings coverage of net charge-offs (x) | 5.7854% | 2,821 |
| Efficiency ratio | 52.3330% | 5,426 |
| Assets per employee ($millions) | 151.4719% | 12 |
| Cash dividends to net income (ytd only)* | 82.5098% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0338% | 694 |
| Loan loss allowance to noncurrent loans | 279.1042% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 3,592 |
| Noncurrent loans to loans | 0.7287% | 2,914 |
| Net loans and leases to total assets | 65.1929% | 3,201 |
| Net loans and leases to deposits | 101.1667% | 617 |
| Net loans and leases to core deposits | 3,407.9646% | 8 |
| Total domestic deposits to total assets | 48.2495% | 6,008 |
| Equity capital to assets | 16.8674% | 447 |
| Core capital (leverage) ratio | 17.4199% | 335 |
| Tier 1 risk-based capital ratio | 17.1230% | 2,172 |
| Total risk-based capital ratio | 18.3773% | 2,132 |
| Memoranda: | ||
| Average total assets | $36,479,027,670 | 49 |
| Average earning assets | $35,297,325,330 | 47 |
| Average equity | $6,271,768,670 | 38 |
| Average total loans | $25,353,391,000 | 43 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8719% | 59 |
| Cost of funding earning assets | 1.0789% | 106 |
| Net interest margin | 5.7930% | 84 |
| Noninterest income to average assets | 14.0420% | 51 |
| Noninterest expense to average assets | 10.4124% | 66 |
| Loan and lease loss provision to assets | 1.3469% | 67 |
| Net operating income to assets | 4.9904% | 42 |
| Return on assets (ROA) | 4.9904% | 41 |
| Pretax return on assets | 7.8924% | 30 |
| Return on Equity (ROE) | 28.7418% | 60 |
| Retained earnings to average equity (ytd only) | 8.4197% | 1,293 |
| Net charge-offs to loans | 2.3568% | 58 |
| Credit loss provision to net charge-offs | 80.4415% | 1,833 |
| Earnings coverage of net charge-offs (x) | 5.5179% | 2,325 |
| Efficiency ratio | 52.9845% | 5,456 |
| Assets per employee ($millions) | 140.2694% | 15 |
| Cash dividends to net income (ytd only)* | 70.7056% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0815% | 712 |
| Loan loss allowance to noncurrent loans | 264.5141% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 3,407 |
| Noncurrent loans to loans | 0.7869% | 2,870 |
| Net loans and leases to total assets | 68.7406% | 2,538 |
| Net loans and leases to deposits | 108.7707% | 253 |
| Net loans and leases to core deposits | 3,206.2049% | 9 |
| Total domestic deposits to total assets | 51.7756% | 6,065 |
| Equity capital to assets | 17.8396% | 338 |
| Core capital (leverage) ratio | 17.4099% | 339 |
| Tier 1 risk-based capital ratio | 17.8995% | 2,015 |
| Total risk-based capital ratio | 19.1550% | 1,979 |
| Memoranda: | ||
| Average total assets | $35,936,030,500 | 49 |
| Average earning assets | $34,799,175,000 | 47 |
| Average equity | $6,239,531,500 | 38 |
| Average total loans | $25,531,016,000 | 42 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3139% | 94 |
| Cost of funding earning assets | 0.8141% | 456 |
| Net interest margin | 5.4998% | 120 |
| Noninterest income to average assets | 15.9296% | 50 |
| Noninterest expense to average assets | 10.7564% | 71 |
| Loan and lease loss provision to assets | 1.8838% | 34 |
| Net operating income to assets | 5.3933% | 39 |
| Return on assets (ROA) | 5.3933% | 38 |
| Pretax return on assets | 8.5794% | 28 |
| Return on Equity (ROE) | 27.8823% | 71 |
| Retained earnings to average equity (ytd only) | -3.3696% | 5,842 |
| Net charge-offs to loans | 2.2965% | 53 |
| Credit loss provision to net charge-offs | 120.5046% | 2,138 |
| Earnings coverage of net charge-offs (x) | 6.6932% | 3,182 |
| Efficiency ratio | 50.6909% | 5,723 |
| Assets per employee ($millions) | 134.2800% | 13 |
| Cash dividends to net income (ytd only)* | 112.0850% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0800% | 704 |
| Loan loss allowance to noncurrent loans | 256.3263% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 3,339 |
| Noncurrent loans to loans | 0.8115% | 2,756 |
| Net loans and leases to total assets | 70.3676% | 2,314 |
| Net loans and leases to deposits | 109.4690% | 258 |
| Net loans and leases to core deposits | 3,057.9263% | 10 |
| Total domestic deposits to total assets | 51.2782% | 6,125 |
| Equity capital to assets | 16.9015% | 419 |
| Core capital (leverage) ratio | 17.7289% | 296 |
| Tier 1 risk-based capital ratio | 16.9257% | 2,309 |
| Total risk-based capital ratio | 18.1824% | 2,257 |
| Memoranda: | ||
| Average total assets | $32,654,446,000 | 50 |
| Average earning assets | $31,408,295,800 | 48 |
| Average equity | $6,316,410,800 | 37 |
| Average total loans | $22,228,586,000 | 43 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2319% | 101 |
| Cost of funding earning assets | 0.7824% | 553 |
| Net interest margin | 5.4495% | 137 |
| Noninterest income to average assets | 16.3918% | 51 |
| Noninterest expense to average assets | 10.1726% | 77 |
| Loan and lease loss provision to assets | 1.7231% | 27 |
| Net operating income to assets | 6.0692% | 34 |
| Return on assets (ROA) | 6.0692% | 34 |
| Pretax return on assets | 9.7239% | 27 |
| Return on Equity (ROE) | 30.2958% | 51 |
| Retained earnings to average equity (ytd only) | -2.3009% | 5,886 |
| Net charge-offs to loans | 2.3320% | 48 |
| Credit loss provision to net charge-offs | 110.3876% | 2,112 |
| Earnings coverage of net charge-offs (x) | 7.3335% | 2,923 |
| Efficiency ratio | 47.0529% | 5,920 |
| Assets per employee ($millions) | 106.4254% | 17 |
| Cash dividends to net income (ytd only)* | 107.5947% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0865% | 793 |
| Loan loss allowance to noncurrent loans | 252.3280% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.6292% | 3,380 |
| Noncurrent loans to loans | 0.8269% | 2,900 |
| Net loans and leases to total assets | 74.5007% | 1,639 |
| Net loans and leases to deposits | 125.4282% | 65 |
| Net loans and leases to core deposits | 4,131.1870% | 9 |
| Total domestic deposits to total assets | 52.1135% | 6,209 |
| Equity capital to assets | 20.7707% | 203 |
| Core capital (leverage) ratio | 18.8038% | 254 |
| Tier 1 risk-based capital ratio | 18.6942% | 1,853 |
| Total risk-based capital ratio | 19.9505% | 1,812 |
| Memoranda: | ||
| Average total assets | $31,708,806,750 | 49 |
| Average earning assets | $30,418,825,500 | 48 |
| Average equity | $6,352,230,500 | 36 |
| Average total loans | $21,223,945,000 | 44 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7888% | 165 |
| Cost of funding earning assets | 0.7152% | 782 |
| Net interest margin | 5.0736% | 218 |
| Noninterest income to average assets | 16.2258% | 53 |
| Noninterest expense to average assets | 9.7253% | 83 |
| Loan and lease loss provision to assets | 1.2886% | 48 |
| Net operating income to assets | 6.3330% | 37 |
| Return on assets (ROA) | 6.3330% | 37 |
| Pretax return on assets | 10.0913% | 30 |
| Return on Equity (ROE) | 31.9814% | 50 |
| Retained earnings to average equity (ytd only) | -1.7021% | 5,798 |
| Net charge-offs to loans | 2.3441% | 55 |
| Credit loss provision to net charge-offs | 85.7959% | 2,263 |
| Earnings coverage of net charge-offs (x) | 7.5770% | 2,655 |
| Efficiency ratio | 46.0802% | 6,039 |
| Assets per employee ($millions) | 106.1848% | 17 |
| Cash dividends to net income (ytd only)* | 105.3222% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 1,002 |
| Loan loss allowance to noncurrent loans | 244.4059% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 3,798 |
| Noncurrent loans to loans | 0.8142% | 3,090 |
| Net loans and leases to total assets | 65.5370% | 3,035 |
| Net loans and leases to deposits | 112.2571% | 221 |
| Net loans and leases to core deposits | 3,968.7253% | 11 |
| Total domestic deposits to total assets | 49.1701% | 6,290 |
| Equity capital to assets | 20.7261% | 196 |
| Core capital (leverage) ratio | 19.1116% | 233 |
| Tier 1 risk-based capital ratio | 19.0859% | 1,777 |
| Total risk-based capital ratio | 20.3402% | 1,744 |
| Memoranda: | ||
| Average total assets | $32,203,469,670 | 49 |
| Average earning assets | $30,971,111,000 | 46 |
| Average equity | $6,377,006,330 | 36 |
| Average total loans | $20,632,747,330 | 45 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7574% | 175 |
| Cost of funding earning assets | 0.6592% | 1,056 |
| Net interest margin | 5.0982% | 210 |
| Noninterest income to average assets | 15.5032% | 54 |
| Noninterest expense to average assets | 9.0728% | 93 |
| Loan and lease loss provision to assets | 1.1138% | 68 |
| Net operating income to assets | 6.4776% | 35 |
| Return on assets (ROA) | 6.4776% | 36 |
| Pretax return on assets | 10.2768% | 33 |
| Return on Equity (ROE) | 33.4338% | 44 |
| Retained earnings to average equity (ytd only) | -0.3979% | 5,454 |
| Net charge-offs to loans | 2.6115% | 55 |
| Credit loss provision to net charge-offs | 67.9440% | 1,934 |
| Earnings coverage of net charge-offs (x) | 6.9484% | 2,226 |
| Efficiency ratio | 44.3365% | 6,168 |
| Assets per employee ($millions) | 124.0905% | 13 |
| Cash dividends to net income (ytd only)* | 101.1900% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9980% | 1,086 |
| Loan loss allowance to noncurrent loans | 232.9208% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.5463% | 3,855 |
| Noncurrent loans to loans | 0.8578% | 3,100 |
| Net loans and leases to total assets | 62.4156% | 3,299 |
| Net loans and leases to deposits | 106.1092% | 312 |
| Net loans and leases to core deposits | 3,748.4451% | 10 |
| Total domestic deposits to total assets | 41.7114% | 6,370 |
| Equity capital to assets | 20.4407% | 209 |
| Core capital (leverage) ratio | 18.4758% | 265 |
| Tier 1 risk-based capital ratio | 19.5262% | 1,731 |
| Total risk-based capital ratio | 20.7827% | 1,683 |
| Memoranda: | ||
| Average total assets | $33,014,594,500 | 48 |
| Average earning assets | $32,121,295,000 | 46 |
| Average equity | $6,396,370,000 | 36 |
| Average total loans | $20,724,644,000 | 45 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6877% | 231 |
| Cost of funding earning assets | 0.6770% | 1,225 |
| Net interest margin | 5.0107% | 300 |
| Noninterest income to average assets | 16.4083% | 48 |
| Noninterest expense to average assets | 10.1443% | 75 |
| Loan and lease loss provision to assets | 1.7250% | 41 |
| Net operating income to assets | 5.9661% | 33 |
| Return on assets (ROA) | 5.9661% | 33 |
| Pretax return on assets | 9.3885% | 29 |
| Return on Equity (ROE) | 30.6225% | 54 |
| Retained earnings to average equity (ytd only) | 0.0727% | 5,736 |
| Net charge-offs to loans | 2.6527% | 52 |
| Credit loss provision to net charge-offs | 104.3225% | 2,295 |
| Earnings coverage of net charge-offs (x) | 6.7212% | 3,144 |
| Efficiency ratio | 47.7205% | 6,193 |
| Assets per employee ($millions) | 126.8554% | 12 |
| Cash dividends to net income (ytd only)* | 99.7626% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 1,026 |
| Loan loss allowance to noncurrent loans | 226.3908% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 3,928 |
| Noncurrent loans to loans | 0.9052% | 3,055 |
| Net loans and leases to total assets | 60.6825% | 3,695 |
| Net loans and leases to deposits | 93.8957% | 1,081 |
| Net loans and leases to core deposits | 2,783.4774% | 10 |
| Total domestic deposits to total assets | 38.2339% | 6,462 |
| Equity capital to assets | 18.4150% | 294 |
| Core capital (leverage) ratio | 18.7062% | 261 |
| Tier 1 risk-based capital ratio | 18.8130% | 1,905 |
| Total risk-based capital ratio | 20.0627% | 1,866 |
| Memoranda: | ||
| Average total assets | $32,661,402,200 | 46 |
| Average earning assets | $31,610,811,400 | 44 |
| Average equity | $6,363,388,400 | 36 |
| Average total loans | $20,358,628,400 | 43 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8412% | 181 |
| Cost of funding earning assets | 0.6971% | 1,163 |
| Net interest margin | 5.1440% | 222 |
| Noninterest income to average assets | 16.2715% | 48 |
| Noninterest expense to average assets | 10.1503% | 74 |
| Loan and lease loss provision to assets | 1.6933% | 46 |
| Net operating income to assets | 5.8403% | 36 |
| Return on assets (ROA) | 5.8403% | 34 |
| Pretax return on assets | 9.3980% | 29 |
| Return on Equity (ROE) | 29.5385% | 64 |
| Retained earnings to average equity (ytd only) | -0.8246% | 5,938 |
| Net charge-offs to loans | 2.7567% | 50 |
| Credit loss provision to net charge-offs | 98.3795% | 2,269 |
| Earnings coverage of net charge-offs (x) | 6.4440% | 3,085 |
| Efficiency ratio | 47.7852% | 6,209 |
| Assets per employee ($millions) | 118.8643% | 13 |
| Cash dividends to net income (ytd only)* | 102.7915% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0628% | 1,144 |
| Loan loss allowance to noncurrent loans | 226.5917% | 1,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 4,151 |
| Noncurrent loans to loans | 0.9103% | 3,284 |
| Net loans and leases to total assets | 61.0610% | 3,617 |
| Net loans and leases to deposits | 93.1403% | 1,114 |
| Net loans and leases to core deposits | 4,113.9963% | 10 |
| Total domestic deposits to total assets | 40.6433% | 6,543 |
| Equity capital to assets | 19.8913% | 240 |
| Core capital (leverage) ratio | 18.8349% | 260 |
| Tier 1 risk-based capital ratio | 20.1674% | 1,631 |
| Total risk-based capital ratio | 21.4171% | 1,596 |
| Memoranda: | ||
| Average total assets | $32,137,154,750 | 47 |
| Average earning assets | $31,050,287,250 | 45 |
| Average equity | $6,354,042,500 | 36 |
| Average total loans | $20,064,904,000 | 43 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8266% | 182 |
| Cost of funding earning assets | 0.7027% | 1,179 |
| Net interest margin | 5.1239% | 230 |
| Noninterest income to average assets | 15.9004% | 47 |
| Noninterest expense to average assets | 10.1167% | 74 |
| Loan and lease loss provision to assets | 1.6493% | 50 |
| Net operating income to assets | 5.6468% | 41 |
| Return on assets (ROA) | 5.6468% | 41 |
| Pretax return on assets | 9.0832% | 30 |
| Return on Equity (ROE) | 28.6176% | 70 |
| Retained earnings to average equity (ytd only) | -3.0889% | 6,103 |
| Net charge-offs to loans | 2.7403% | 65 |
| Credit loss provision to net charge-offs | 96.3537% | 2,076 |
| Earnings coverage of net charge-offs (x) | 6.2700% | 2,796 |
| Efficiency ratio | 48.5232% | 6,259 |
| Assets per employee ($millions) | 122.2664% | 12 |
| Cash dividends to net income (ytd only)* | 110.7939% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9984% | 1,363 |
| Loan loss allowance to noncurrent loans | 214.6829% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 4,174 |
| Noncurrent loans to loans | 0.9308% | 3,387 |
| Net loans and leases to total assets | 63.4124% | 3,178 |
| Net loans and leases to deposits | 99.7294% | 569 |
| Net loans and leases to core deposits | 4,321.4080% | 10 |
| Total domestic deposits to total assets | 42.3032% | 6,606 |
| Equity capital to assets | 19.9966% | 220 |
| Core capital (leverage) ratio | 18.8391% | 256 |
| Tier 1 risk-based capital ratio | 19.8202% | 1,728 |
| Total risk-based capital ratio | 21.0696% | 1,697 |
| Memoranda: | ||
| Average total assets | $32,191,371,330 | 47 |
| Average earning assets | $31,090,953,670 | 45 |
| Average equity | $6,352,004,330 | 36 |
| Average total loans | $20,108,148,330 | 43 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7992% | 189 |
| Cost of funding earning assets | 0.7027% | 1,228 |
| Net interest margin | 5.0966% | 223 |
| Noninterest income to average assets | 15.1396% | 49 |
| Noninterest expense to average assets | 9.0324% | 87 |
| Loan and lease loss provision to assets | 1.7539% | 46 |
| Net operating income to assets | 5.7572% | 39 |
| Return on assets (ROA) | 5.7572% | 39 |
| Pretax return on assets | 9.2736% | 32 |
| Return on Equity (ROE) | 29.3680% | 71 |
| Retained earnings to average equity (ytd only) | -4.5192% | 6,093 |
| Net charge-offs to loans | 2.6686% | 85 |
| Credit loss provision to net charge-offs | 107.0805% | 1,571 |
| Earnings coverage of net charge-offs (x) | 6.7326% | 2,195 |
| Efficiency ratio | 45.0273% | 6,457 |
| Assets per employee ($millions) | 134.1013% | 12 |
| Cash dividends to net income (ytd only)* | 115.3883% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1381% | 1,255 |
| Loan loss allowance to noncurrent loans | 202.4865% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 4,203 |
| Noncurrent loans to loans | 1.0559% | 3,313 |
| Net loans and leases to total assets | 59.7803% | 3,599 |
| Net loans and leases to deposits | 93.5054% | 836 |
| Net loans and leases to core deposits | 2,564.5493% | 10 |
| Total domestic deposits to total assets | 42.3654% | 6,676 |
| Equity capital to assets | 19.3649% | 244 |
| Core capital (leverage) ratio | 18.5816% | 272 |
| Tier 1 risk-based capital ratio | 20.3042% | 1,649 |
| Total risk-based capital ratio | 21.5563% | 1,612 |
| Memoranda: | ||
| Average total assets | $32,514,695,000 | 47 |
| Average earning assets | $31,389,926,500 | 45 |
| Average equity | $6,374,073,500 | 36 |
| Average total loans | $19,956,637,500 | 44 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6430% | 290 |
| Cost of funding earning assets | 0.8397% | 996 |
| Net interest margin | 4.8033% | 429 |
| Noninterest income to average assets | 15.6951% | 46 |
| Noninterest expense to average assets | 9.6626% | 84 |
| Loan and lease loss provision to assets | 1.4866% | 91 |
| Net operating income to assets | 5.8845% | 39 |
| Return on assets (ROA) | 5.8845% | 40 |
| Pretax return on assets | 9.1604% | 29 |
| Return on Equity (ROE) | 30.9427% | 68 |
| Retained earnings to average equity (ytd only) | 8.8267% | 816 |
| Net charge-offs to loans | 2.6983% | 98 |
| Credit loss provision to net charge-offs | 92.9972% | 2,676 |
| Earnings coverage of net charge-offs (x) | 6.6603% | 3,009 |
| Efficiency ratio | 47.5765% | 6,502 |
| Assets per employee ($millions) | 140.4725% | 12 |
| Cash dividends to net income (ytd only)* | 71.4740% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0975% | 1,337 |
| Loan loss allowance to noncurrent loans | 180.6873% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 4,098 |
| Noncurrent loans to loans | 1.1609% | 3,222 |
| Net loans and leases to total assets | 60.3783% | 3,643 |
| Net loans and leases to deposits | 94.0324% | 876 |
| Net loans and leases to core deposits | 2,416.8891% | 10 |
| Total domestic deposits to total assets | 44.3172% | 6,756 |
| Equity capital to assets | 19.8455% | 217 |
| Core capital (leverage) ratio | 18.9948% | 238 |
| Tier 1 risk-based capital ratio | 19.9385% | 1,668 |
| Total risk-based capital ratio | 21.1893% | 1,641 |
| Memoranda: | ||
| Average total assets | $32,953,532,000 | 47 |
| Average earning assets | $31,657,929,800 | 46 |
| Average equity | $6,266,958,000 | 35 |
| Average total loans | $19,522,805,600 | 44 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6386% | 303 |
| Cost of funding earning assets | 0.8449% | 1,074 |
| Net interest margin | 4.7937% | 435 |
| Noninterest income to average assets | 15.1995% | 50 |
| Noninterest expense to average assets | 9.5190% | 89 |
| Loan and lease loss provision to assets | 1.3510% | 95 |
| Net operating income to assets | 5.6127% | 37 |
| Return on assets (ROA) | 5.6127% | 37 |
| Pretax return on assets | 8.9239% | 30 |
| Return on Equity (ROE) | 29.8299% | 69 |
| Retained earnings to average equity (ytd only) | 10.2287% | 743 |
| Net charge-offs to loans | 2.5253% | 119 |
| Credit loss provision to net charge-offs | 91.2151% | 2,606 |
| Earnings coverage of net charge-offs (x) | 6.9373% | 2,878 |
| Efficiency ratio | 48.0907% | 6,503 |
| Assets per employee ($millions) | 146.8215% | 13 |
| Cash dividends to net income (ytd only)* | 65.7100% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1723% | 1,374 |
| Loan loss allowance to noncurrent loans | 213.9838% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 4,654 |
| Noncurrent loans to loans | 1.0152% | 3,776 |
| Net loans and leases to total assets | 57.3428% | 4,115 |
| Net loans and leases to deposits | 87.5413% | 1,425 |
| Net loans and leases to core deposits | 2,908.8302% | 11 |
| Total domestic deposits to total assets | 45.3175% | 6,832 |
| Equity capital to assets | 19.1219% | 247 |
| Core capital (leverage) ratio | 18.3197% | 283 |
| Tier 1 risk-based capital ratio | 20.7446% | 1,545 |
| Total risk-based capital ratio | 21.9964% | 1,523 |
| Memoranda: | ||
| Average total assets | $33,114,748,500 | 46 |
| Average earning assets | $31,737,833,750 | 45 |
| Average equity | $6,230,743,500 | 35 |
| Average total loans | $19,422,169,500 | 44 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6152% | 311 |
| Cost of funding earning assets | 0.8559% | 1,112 |
| Net interest margin | 4.7593% | 459 |
| Noninterest income to average assets | 14.9890% | 51 |
| Noninterest expense to average assets | 9.5273% | 90 |
| Loan and lease loss provision to assets | 1.2473% | 130 |
| Net operating income to assets | 5.5703% | 36 |
| Return on assets (ROA) | 5.5703% | 36 |
| Pretax return on assets | 8.7628% | 29 |
| Return on Equity (ROE) | 29.7665% | 71 |
| Retained earnings to average equity (ytd only) | 13.9090% | 305 |
| Net charge-offs to loans | 2.5171% | 150 |
| Credit loss provision to net charge-offs | 84.4705% | 2,546 |
| Earnings coverage of net charge-offs (x) | 6.7792% | 2,658 |
| Efficiency ratio | 48.7643% | 6,497 |
| Assets per employee ($millions) | 154.1561% | 12 |
| Cash dividends to net income (ytd only)* | 53.2729% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1420% | 1,540 |
| Loan loss allowance to noncurrent loans | 171.7796% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7569% | 4,321 |
| Noncurrent loans to loans | 1.2469% | 3,462 |
| Net loans and leases to total assets | 59.3981% | 3,759 |
| Net loans and leases to deposits | 96.5724% | 631 |
| Net loans and leases to core deposits | 2,693.1671% | 12 |
| Total domestic deposits to total assets | 44.3880% | 6,884 |
| Equity capital to assets | 19.6622% | 223 |
| Core capital (leverage) ratio | 18.9477% | 234 |
| Tier 1 risk-based capital ratio | 20.2738% | 1,658 |
| Total risk-based capital ratio | 21.5251% | 1,635 |
| Memoranda: | ||
| Average total assets | $33,092,447,670 | 46 |
| Average earning assets | $31,625,826,000 | 45 |
| Average equity | $6,192,674,670 | 35 |
| Average total loans | $19,412,956,330 | 44 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 834 |
| Cost of funding earning assets | 0.8919% | 1,026 |
| Net interest margin | 4.1504% | 1,323 |
| Noninterest income to average assets | 15.3451% | 51 |
| Noninterest expense to average assets | 9.2828% | 93 |
| Loan and lease loss provision to assets | 0.8135% | 264 |
| Net operating income to assets | 5.8780% | 39 |
| Return on assets (ROA) | 5.8780% | 42 |
| Pretax return on assets | 9.1910% | 32 |
| Return on Equity (ROE) | 32.1894% | 61 |
| Retained earnings to average equity (ytd only) | 32.1894% | 37 |
| Net charge-offs to loans | 2.3850% | 179 |
| Credit loss provision to net charge-offs | 59.1208% | 2,470 |
| Earnings coverage of net charge-offs (x) | 7.2708% | 2,094 |
| Efficiency ratio | 48.1292% | 6,606 |
| Assets per employee ($millions) | 188.2465% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2237% | 1,538 |
| Loan loss allowance to noncurrent loans | 159.6986% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 4,428 |
| Noncurrent loans to loans | 1.3924% | 3,478 |
| Net loans and leases to total assets | 54.7117% | 4,290 |
| Net loans and leases to deposits | 85.6042% | 1,403 |
| Net loans and leases to core deposits | 2,246.5799% | 14 |
| Total domestic deposits to total assets | 44.7669% | 6,958 |
| Equity capital to assets | 19.4809% | 239 |
| Core capital (leverage) ratio | 18.1855% | 271 |
| Tier 1 risk-based capital ratio | 20.8074% | 1,582 |
| Total risk-based capital ratio | 22.0588% | 1,556 |
| Memoranda: | ||
| Average total assets | $33,606,436,500 | 46 |
| Average earning assets | $31,920,068,000 | 45 |
| Average equity | $6,136,728,500 | 35 |
| Average total loans | $19,388,141,500 | 45 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3402% | 845 |
| Cost of funding earning assets | 0.9323% | 1,749 |
| Net interest margin | 4.4078% | 1,148 |
| Noninterest income to average assets | 14.8415% | 52 |
| Noninterest expense to average assets | 9.2266% | 92 |
| Loan and lease loss provision to assets | 1.4766% | 219 |
| Net operating income to assets | 5.2214% | 43 |
| Return on assets (ROA) | 5.2214% | 42 |
| Pretax return on assets | 8.3453% | 35 |
| Return on Equity (ROE) | 29.7305% | 66 |
| Retained earnings to average equity (ytd only) | -3.6006% | 6,319 |
| Net charge-offs to loans | 3.0131% | 167 |
| Credit loss provision to net charge-offs | 86.8613% | 3,594 |
| Earnings coverage of net charge-offs (x) | 5.7777% | 2,951 |
| Efficiency ratio | 48.4374% | 6,683 |
| Assets per employee ($millions) | 231.2617% | 11 |
| Cash dividends to net income (ytd only)* | 112.1108% | 374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2243% | 1,516 |
| Loan loss allowance to noncurrent loans | 167.6201% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.7875% | 4,492 |
| Noncurrent loans to loans | 1.3270% | 3,623 |
| Net loans and leases to total assets | 58.0217% | 3,976 |
| Net loans and leases to deposits | 93.4190% | 792 |
| Net loans and leases to core deposits | 1,791.6652% | 17 |
| Total domestic deposits to total assets | 46.2862% | 7,020 |
| Equity capital to assets | 17.1006% | 403 |
| Core capital (leverage) ratio | 16.9994% | 354 |
| Tier 1 risk-based capital ratio | 17.5950% | 2,418 |
| Total risk-based capital ratio | 18.8471% | 2,382 |
| Memoranda: | ||
| Average total assets | $34,166,273,800 | 45 |
| Average earning assets | $32,609,393,600 | 43 |
| Average equity | $6,000,404,200 | 35 |
| Average total loans | $19,276,517,000 | 42 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3887% | 855 |
| Cost of funding earning assets | 0.9396% | 1,918 |
| Net interest margin | 4.4491% | 1,090 |
| Noninterest income to average assets | 14.5826% | 52 |
| Noninterest expense to average assets | 9.0390% | 92 |
| Loan and lease loss provision to assets | 1.3328% | 258 |
| Net operating income to assets | 5.2303% | 42 |
| Return on assets (ROA) | 5.2303% | 42 |
| Pretax return on assets | 8.4635% | 36 |
| Return on Equity (ROE) | 29.5846% | 81 |
| Retained earnings to average equity (ytd only) | -3.5965% | 6,524 |
| Net charge-offs to loans | 3.0174% | 181 |
| Credit loss provision to net charge-offs | 79.3284% | 3,643 |
| Earnings coverage of net charge-offs (x) | 5.8306% | 2,916 |
| Efficiency ratio | 47.9897% | 6,718 |
| Assets per employee ($millions) | 239.3017% | 12 |
| Cash dividends to net income (ytd only)* | 112.1568% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3568% | 1,424 |
| Loan loss allowance to noncurrent loans | 168.8094% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 4,771 |
| Noncurrent loans to loans | 1.3961% | 3,707 |
| Net loans and leases to total assets | 54.3119% | 4,707 |
| Net loans and leases to deposits | 79.8090% | 2,417 |
| Net loans and leases to core deposits | 2,669.9931% | 14 |
| Total domestic deposits to total assets | 43.3194% | 7,126 |
| Equity capital to assets | 17.6420% | 389 |
| Core capital (leverage) ratio | 17.4784% | 335 |
| Tier 1 risk-based capital ratio | 19.3778% | 1,902 |
| Total risk-based capital ratio | 20.6304% | 1,876 |
| Memoranda: | ||
| Average total assets | $34,093,345,000 | 46 |
| Average earning assets | $32,588,542,000 | 44 |
| Average equity | $6,027,377,500 | 36 |
| Average total loans | $18,983,659,500 | 43 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2783% | 1,094 |
| Cost of funding earning assets | 0.9479% | 2,078 |
| Net interest margin | 4.3304% | 1,394 |
| Noninterest income to average assets | 14.2650% | 56 |
| Noninterest expense to average assets | 9.0792% | 94 |
| Loan and lease loss provision to assets | 1.2644% | 318 |
| Net operating income to assets | 5.0183% | 47 |
| Return on assets (ROA) | 5.0183% | 47 |
| Pretax return on assets | 8.0680% | 36 |
| Return on Equity (ROE) | 28.3662% | 96 |
| Retained earnings to average equity (ytd only) | -4.6792% | 6,601 |
| Net charge-offs to loans | 2.8223% | 220 |
| Credit loss provision to net charge-offs | 80.4298% | 3,312 |
| Earnings coverage of net charge-offs (x) | 5.9365% | 2,729 |
| Efficiency ratio | 49.3122% | 6,690 |
| Assets per employee ($millions) | 257.3954% | 10 |
| Cash dividends to net income (ytd only)* | 116.4958% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4429% | 1,359 |
| Loan loss allowance to noncurrent loans | 170.2287% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8150% | 4,771 |
| Noncurrent loans to loans | 1.4351% | 3,765 |
| Net loans and leases to total assets | 55.4030% | 4,564 |
| Net loans and leases to deposits | 80.6282% | 2,292 |
| Net loans and leases to core deposits | 2,662.8132% | 16 |
| Total domestic deposits to total assets | 43.2465% | 7,193 |
| Equity capital to assets | 17.3218% | 405 |
| Core capital (leverage) ratio | 18.5478% | 268 |
| Tier 1 risk-based capital ratio | 19.4861% | 1,857 |
| Total risk-based capital ratio | 20.7402% | 1,820 |
| Memoranda: | ||
| Average total assets | $34,210,613,330 | 46 |
| Average earning assets | $32,758,535,330 | 44 |
| Average equity | $6,052,277,330 | 36 |
| Average total loans | $19,055,550,670 | 43 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2792% | 1,141 |
| Cost of funding earning assets | 0.9816% | 2,091 |
| Net interest margin | 4.2975% | 1,472 |
| Noninterest income to average assets | 13.9511% | 55 |
| Noninterest expense to average assets | 8.4654% | 104 |
| Loan and lease loss provision to assets | 1.0590% | 382 |
| Net operating income to assets | 5.3102% | 43 |
| Return on assets (ROA) | 5.3102% | 47 |
| Pretax return on assets | 8.5459% | 37 |
| Return on Equity (ROE) | 29.7022% | 106 |
| Retained earnings to average equity (ytd only) | -3.1321% | 6,417 |
| Net charge-offs to loans | 2.8134% | 270 |
| Credit loss provision to net charge-offs | 68.2562% | 2,949 |
| Earnings coverage of net charge-offs (x) | 6.1905% | 2,245 |
| Efficiency ratio | 46.8470% | 6,860 |
| Assets per employee ($millions) | 253.7557% | 11 |
| Cash dividends to net income (ytd only)* | 110.5449% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6925% | 1,123 |
| Loan loss allowance to noncurrent loans | 167.9214% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 4,764 |
| Noncurrent loans to loans | 1.6034% | 3,714 |
| Net loans and leases to total assets | 53.5934% | 4,789 |
| Net loans and leases to deposits | 81.2122% | 2,032 |
| Net loans and leases to core deposits | 2,712.8196% | 14 |
| Total domestic deposits to total assets | 47.4117% | 7,247 |
| Equity capital to assets | 18.3942% | 315 |
| Core capital (leverage) ratio | 16.4809% | 416 |
| Tier 1 risk-based capital ratio | 20.1096% | 1,681 |
| Total risk-based capital ratio | 21.3645% | 1,654 |
| Memoranda: | ||
| Average total assets | $34,070,429,500 | 46 |
| Average earning assets | $32,657,149,500 | 44 |
| Average equity | $6,091,193,500 | 36 |
| Average total loans | $18,789,549,500 | 43 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2558% | 32 |
| Cost of funding earning assets | 1.0893% | 2,743 |
| Net interest margin | 8.1665% | 33 |
| Noninterest income to average assets | 12.9377% | 50 |
| Noninterest expense to average assets | 10.1739% | 73 |
| Loan and lease loss provision to assets | 1.2302% | 702 |
| Net operating income to assets | 5.6666% | 36 |
| Return on assets (ROA) | 5.6666% | 37 |
| Pretax return on assets | 9.1572% | 30 |
| Return on Equity (ROE) | 28.1910% | 54 |
| Retained earnings to average equity (ytd only) | 4.2634% | 3,149 |
| Net charge-offs to loans | 3.3415% | 241 |
| Credit loss provision to net charge-offs | 61.9486% | 5,118 |
| Earnings coverage of net charge-offs (x) | 5.2306% | 2,857 |
| Efficiency ratio | 49.4807% | 6,864 |
| Assets per employee ($millions) | 274.6299% | 10 |
| Cash dividends to net income (ytd only)* | 84.8768% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7360% | 1,049 |
| Loan loss allowance to noncurrent loans | 161.8179% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9336% | 4,737 |
| Noncurrent loans to loans | 1.6908% | 3,627 |
| Net loans and leases to total assets | 53.7067% | 5,081 |
| Net loans and leases to deposits | 80.6070% | 2,415 |
| Net loans and leases to core deposits | 4,174.6034% | 15 |
| Total domestic deposits to total assets | 45.6733% | 7,296 |
| Equity capital to assets | 17.3940% | 398 |
| Core capital (leverage) ratio | 19.0507% | 243 |
| Tier 1 risk-based capital ratio | 18.8197% | 1,955 |
| Total risk-based capital ratio | 20.0748% | 1,911 |
| Memoranda: | ||
| Average total assets | $30,147,969,600 | 44 |
| Average earning assets | $28,144,197,800 | 44 |
| Average equity | $6,059,938,600 | 36 |
| Average total loans | $17,917,555,800 | 45 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6112% | 31 |
| Cost of funding earning assets | 1.1224% | 2,815 |
| Net interest margin | 8.4888% | 31 |
| Noninterest income to average assets | 13.0365% | 50 |
| Noninterest expense to average assets | 10.3376% | 70 |
| Loan and lease loss provision to assets | 1.3259% | 557 |
| Net operating income to assets | 5.7628% | 36 |
| Return on assets (ROA) | 5.7628% | 38 |
| Pretax return on assets | 9.2646% | 31 |
| Return on Equity (ROE) | 27.5419% | 89 |
| Retained earnings to average equity (ytd only) | 4.9391% | 3,214 |
| Net charge-offs to loans | 3.2820% | 261 |
| Credit loss provision to net charge-offs | 66.5420% | 4,585 |
| Earnings coverage of net charge-offs (x) | 5.3149% | 2,822 |
| Efficiency ratio | 49.3956% | 6,859 |
| Assets per employee ($millions) | 248.4857% | 13 |
| Cash dividends to net income (ytd only)* | 82.0668% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3828% | 619 |
| Loan loss allowance to noncurrent loans | 188.4146% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 1.0844% | 4,589 |
| Noncurrent loans to loans | 1.7954% | 3,643 |
| Net loans and leases to total assets | 58.3566% | 4,446 |
| Net loans and leases to deposits | 99.7440% | 484 |
| Net loans and leases to core deposits | 8,518.9054% | 14 |
| Total domestic deposits to total assets | 38.4406% | 7,380 |
| Equity capital to assets | 19.9298% | 247 |
| Core capital (leverage) ratio | 20.1839% | 213 |
| Tier 1 risk-based capital ratio | 20.6387% | 1,530 |
| Total risk-based capital ratio | 21.8999% | 1,500 |
| Memoranda: | ||
| Average total assets | $28,896,806,000 | 46 |
| Average earning assets | $26,863,554,750 | 45 |
| Average equity | $6,046,307,250 | 35 |
| Average total loans | $17,544,348,500 | 45 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6759% | 36 |
| Cost of funding earning assets | 1.1630% | 2,827 |
| Net interest margin | 8.5129% | 32 |
| Noninterest income to average assets | 12.8408% | 55 |
| Noninterest expense to average assets | 10.5269% | 71 |
| Loan and lease loss provision to assets | 1.5597% | 450 |
| Net operating income to assets | 5.3231% | 44 |
| Return on assets (ROA) | 5.3231% | 44 |
| Pretax return on assets | 8.5636% | 40 |
| Return on Equity (ROE) | 25.0131% | 136 |
| Retained earnings to average equity (ytd only) | 5.1169% | 2,930 |
| Net charge-offs to loans | 3.4820% | 255 |
| Credit loss provision to net charge-offs | 73.6403% | 3,959 |
| Earnings coverage of net charge-offs (x) | 4.7797% | 2,781 |
| Efficiency ratio | 50.9774% | 6,874 |
| Assets per employee ($millions) | 227.7254% | 12 |
| Cash dividends to net income (ytd only)* | 79.5431% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7442% | 494 |
| Loan loss allowance to noncurrent loans | 203.4223% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 1.1699% | 4,551 |
| Noncurrent loans to loans | 1.8406% | 3,694 |
| Net loans and leases to total assets | 61.1778% | 4,051 |
| Net loans and leases to deposits | 108.5428% | 204 |
| Net loans and leases to core deposits | 4,670.5793% | 17 |
| Total domestic deposits to total assets | 37.5727% | 7,454 |
| Equity capital to assets | 20.8395% | 222 |
| Core capital (leverage) ratio | 22.4572% | 146 |
| Tier 1 risk-based capital ratio | 20.1955% | 1,572 |
| Total risk-based capital ratio | 21.4590% | 1,547 |
| Memoranda: | ||
| Average total assets | $28,341,162,000 | 49 |
| Average earning assets | $25,998,961,670 | 48 |
| Average equity | $6,031,311,670 | 33 |
| Average total loans | $17,238,987,330 | 49 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1182% | 34 |
| Cost of funding earning assets | 1.2603% | 2,428 |
| Net interest margin | 8.8578% | 33 |
| Noninterest income to average assets | 12.1327% | 60 |
| Noninterest expense to average assets | 10.2544% | 75 |
| Loan and lease loss provision to assets | 1.8364% | 309 |
| Net operating income to assets | 4.2461% | 65 |
| Return on assets (ROA) | 4.2461% | 68 |
| Pretax return on assets | 7.9865% | 40 |
| Return on Equity (ROE) | 19.7411% | 343 |
| Retained earnings to average equity (ytd only) | 19.7411% | 169 |
| Net charge-offs to loans | 3.8512% | 240 |
| Credit loss provision to net charge-offs | 80.2484% | 3,153 |
| Earnings coverage of net charge-offs (x) | 4.2926% | 2,519 |
| Efficiency ratio | 51.0747% | 6,913 |
| Assets per employee ($millions) | 231.4620% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3920% | 313 |
| Loan loss allowance to noncurrent loans | 211.1809% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 1.3319% | 4,303 |
| Noncurrent loans to loans | 2.0797% | 3,472 |
| Net loans and leases to total assets | 61.2280% | 4,029 |
| Net loans and leases to deposits | 112.7810% | 147 |
| Net loans and leases to core deposits | 6,638.8232% | 17 |
| Total domestic deposits to total assets | 41.7456% | 7,505 |
| Equity capital to assets | 23.6158% | 133 |
| Core capital (leverage) ratio | 20.3537% | 211 |
| Tier 1 risk-based capital ratio | 21.0053% | 1,392 |
| Total risk-based capital ratio | 22.2713% | 1,365 |
| Memoranda: | ||
| Average total assets | $28,051,180,000 | 49 |
| Average earning assets | $25,159,063,000 | 48 |
| Average equity | $6,033,453,500 | 33 |
| Average total loans | $16,667,694,500 | 50 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5802% | 52 |
| Cost of funding earning assets | 1.3314% | 3,682 |
| Net interest margin | 7.2488% | 48 |
| Noninterest income to average assets | 12.8858% | 52 |
| Noninterest expense to average assets | 10.2330% | 75 |
| Loan and lease loss provision to assets | 1.8122% | 764 |
| Net operating income to assets | 4.7752% | 34 |
| Return on assets (ROA) | 4.7752% | 34 |
| Pretax return on assets | 7.4557% | 30 |
| Return on Equity (ROE) | 25.8335% | 88 |
| Retained earnings to average equity (ytd only) | 25.8335% | 21 |
| Net charge-offs to loans | 4.9608% | 179 |
| Credit loss provision to net charge-offs | 73.9533% | 5,764 |
| Earnings coverage of net charge-offs (x) | 3.7820% | 3,189 |
| Efficiency ratio | 52.4744% | 6,948 |
| Assets per employee ($millions) | 287.9534% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5756% | 261 |
| Loan loss allowance to noncurrent loans | 217.4566% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 1.1653% | 4,680 |
| Noncurrent loans to loans | 2.1042% | 3,432 |
| Net loans and leases to total assets | 52.8482% | 5,807 |
| Net loans and leases to deposits | 89.6808% | 1,574 |
| Net loans and leases to core deposits | 2,049.0986% | 24 |
| Total domestic deposits to total assets | 40.4543% | 7,581 |
| Equity capital to assets | 19.6684% | 278 |
| Core capital (leverage) ratio | 19.4009% | 268 |
| Tier 1 risk-based capital ratio | 18.2635% | 1,921 |
| Total risk-based capital ratio | 19.5277% | 1,872 |
| Memoranda: | ||
| Average total assets | $28,077,597,800 | 48 |
| Average earning assets | $25,622,962,200 | 48 |
| Average equity | $5,190,025,200 | 38 |
| Average total loans | $13,869,582,200 | 55 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5420% | 51 |
| Cost of funding earning assets | 1.3381% | 3,989 |
| Net interest margin | 7.2039% | 49 |
| Noninterest income to average assets | 12.6947% | 53 |
| Noninterest expense to average assets | 10.0529% | 78 |
| Loan and lease loss provision to assets | 2.2032% | 509 |
| Net operating income to assets | 4.5798% | 35 |
| Return on assets (ROA) | 4.5798% | 37 |
| Pretax return on assets | 7.1246% | 30 |
| Return on Equity (ROE) | 25.2140% | 119 |
| Retained earnings to average equity (ytd only) | 25.2140% | 31 |
| Net charge-offs to loans | 5.3916% | 144 |
| Credit loss provision to net charge-offs | 85.5337% | 4,943 |
| Earnings coverage of net charge-offs (x) | 3.6213% | 3,366 |
| Efficiency ratio | 51.8707% | 6,989 |
| Assets per employee ($millions) | 409.7521% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1085% | 106 |
| Loan loss allowance to noncurrent loans | 245.5661% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 4,784 |
| Noncurrent loans to loans | 2.4875% | 3,130 |
| Net loans and leases to total assets | 44.1324% | 6,832 |
| Net loans and leases to deposits | 69.8662% | 5,167 |
| Net loans and leases to core deposits | 2,054.2433% | 22 |
| Total domestic deposits to total assets | 41.5112% | 7,680 |
| Equity capital to assets | 18.4186% | 381 |
| Core capital (leverage) ratio | 17.8280% | 364 |
| Tier 1 risk-based capital ratio | 18.5566% | 1,858 |
| Total risk-based capital ratio | 19.8277% | 1,818 |
| Memoranda: | ||
| Average total assets | $27,610,208,750 | 48 |
| Average earning assets | $25,625,275,000 | 48 |
| Average equity | $5,014,996,250 | 40 |
| Average total loans | $13,190,619,750 | 61 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7800% | 52 |
| Cost of funding earning assets | 1.3645% | 4,091 |
| Net interest margin | 7.4155% | 47 |
| Noninterest income to average assets | 12.5027% | 54 |
| Noninterest expense to average assets | 9.9500% | 78 |
| Loan and lease loss provision to assets | 2.3150% | 502 |
| Net operating income to assets | 4.4875% | 39 |
| Return on assets (ROA) | 4.4875% | 40 |
| Pretax return on assets | 7.0727% | 36 |
| Return on Equity (ROE) | 24.8355% | 129 |
| Retained earnings to average equity (ytd only) | 24.8355% | 48 |
| Net charge-offs to loans | 5.8321% | 143 |
| Credit loss provision to net charge-offs | 82.5913% | 4,636 |
| Earnings coverage of net charge-offs (x) | 3.3492% | 3,361 |
| Efficiency ratio | 51.4540% | 7,120 |
| Assets per employee ($millions) | 405.3020% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5690% | 75 |
| Loan loss allowance to noncurrent loans | 192.7705% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4942% | 4,216 |
| Noncurrent loans to loans | 3.4077% | 2,336 |
| Net loans and leases to total assets | 40.9685% | 7,104 |
| Net loans and leases to deposits | 64.2350% | 6,012 |
| Net loans and leases to core deposits | 1,460.6112% | 26 |
| Total domestic deposits to total assets | 44.7413% | 7,744 |
| Equity capital to assets | 17.2215% | 498 |
| Core capital (leverage) ratio | 18.6906% | 311 |
| Tier 1 risk-based capital ratio | 16.8914% | 2,327 |
| Total risk-based capital ratio | 18.1617% | 2,273 |
| Memoranda: | ||
| Average total assets | $26,842,977,000 | 48 |
| Average earning assets | $24,741,594,330 | 48 |
| Average equity | $4,850,214,000 | 40 |
| Average total loans | $12,900,930,330 | 62 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5138% | 48 |
| Cost of funding earning assets | 1.4067% | 4,134 |
| Net interest margin | 8.1071% | 45 |
| Noninterest income to average assets | 11.5788% | 62 |
| Noninterest expense to average assets | 9.5873% | 81 |
| Loan and lease loss provision to assets | 3.2849% | 290 |
| Net operating income to assets | 3.9910% | 52 |
| Return on assets (ROA) | 3.9910% | 54 |
| Pretax return on assets | 6.1588% | 44 |
| Return on Equity (ROE) | 21.4897% | 300 |
| Retained earnings to average equity (ytd only) | 21.4897% | 163 |
| Net charge-offs to loans | 6.5319% | 156 |
| Credit loss provision to net charge-offs | 99.4660% | 3,463 |
| Earnings coverage of net charge-offs (x) | 2.8595% | 3,119 |
| Efficiency ratio | 50.3772% | 7,286 |
| Assets per employee ($millions) | 387.7836% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4121% | 47 |
| Loan loss allowance to noncurrent loans | 397.2315% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 5,389 |
| Noncurrent loans to loans | 1.8659% | 3,976 |
| Net loans and leases to total assets | 43.8941% | 7,001 |
| Net loans and leases to deposits | 74.3653% | 4,687 |
| Net loans and leases to core deposits | 9,760.4029% | 14 |
| Total domestic deposits to total assets | 54.0125% | 7,814 |
| Equity capital to assets | 18.2760% | 397 |
| Core capital (leverage) ratio | 18.2428% | 361 |
| Tier 1 risk-based capital ratio | 15.9987% | 2,660 |
| Total risk-based capital ratio | 17.2724% | 2,607 |
| Memoranda: | ||
| Average total assets | $25,268,292,000 | 50 |
| Average earning assets | $23,226,974,000 | 48 |
| Average equity | $4,692,752,000 | 41 |
| Average total loans | $12,775,731,500 | 61 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7944% | 33 |
| Cost of funding earning assets | 1.3138% | 6,262 |
| Net interest margin | 9.4806% | 29 |
| Noninterest income to average assets | 11.3214% | 62 |
| Noninterest expense to average assets | 9.6840% | 107 |
| Loan and lease loss provision to assets | 4.6509% | 246 |
| Net operating income to assets | 3.7978% | 39 |
| Return on assets (ROA) | 3.7978% | 39 |
| Pretax return on assets | 5.6783% | 37 |
| Return on Equity (ROE) | 24.4874% | 99 |
| Retained earnings to average equity (ytd only) | 24.4874% | 26 |
| Net charge-offs to loans | 8.1580% | 76 |
| Credit loss provision to net charge-offs | 96.0863% | 5,774 |
| Earnings coverage of net charge-offs (x) | 2.1340% | 4,129 |
| Efficiency ratio | 48.3882% | 7,619 |
| Assets per employee ($millions) | 350.2507% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0608% | 61 |
| Loan loss allowance to noncurrent loans | 358.5709% | 918 |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 4,967 |
| Noncurrent loans to loans | 1.9691% | 3,694 |
| Net loans and leases to total assets | 50.1870% | 6,622 |
| Net loans and leases to deposits | 88.2816% | 2,514 |
| Net loans and leases to core deposits | 93.9021% | 4,685 |
| Total domestic deposits to total assets | 54.6875% | 7,867 |
| Equity capital to assets | 18.8943% | 376 |
| Core capital (leverage) ratio | 17.1197% | 479 |
| Tier 1 risk-based capital ratio | 13.6897% | 3,691 |
| Total risk-based capital ratio | 14.9594% | 3,619 |
| Memoranda: | ||
| Average total assets | $24,387,474,600 | 51 |
| Average earning assets | $22,358,280,200 | 52 |
| Average equity | $3,782,267,800 | 45 |
| Average total loans | $14,469,549,800 | 53 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9325% | 32 |
| Cost of funding earning assets | 1.2678% | 6,662 |
| Net interest margin | 9.6647% | 28 |
| Noninterest income to average assets | 10.5576% | 70 |
| Noninterest expense to average assets | 9.1551% | 117 |
| Loan and lease loss provision to assets | 5.7181% | 120 |
| Net operating income to assets | 3.1302% | 59 |
| Return on assets (ROA) | 3.1302% | 64 |
| Pretax return on assets | 4.5860% | 42 |
| Return on Equity (ROE) | 21.3342% | 239 |
| Retained earnings to average equity (ytd only) | 21.3342% | 50 |
| Net charge-offs to loans | 8.7682% | 68 |
| Credit loss provision to net charge-offs | 107.5246% | 4,726 |
| Earnings coverage of net charge-offs (x) | 1.9376% | 4,363 |
| Efficiency ratio | 47.0477% | 7,716 |
| Assets per employee ($millions) | 391.6248% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4334% | 27 |
| Loan loss allowance to noncurrent loans | 235.6873% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 1.7259% | 3,776 |
| Noncurrent loans to loans | 3.5782% | 2,088 |
| Net loans and leases to total assets | 44.1663% | 7,235 |
| Net loans and leases to deposits | 82.8028% | 3,866 |
| Net loans and leases to core deposits | 98.1165% | 4,587 |
| Total domestic deposits to total assets | 46.1927% | 8,000 |
| Equity capital to assets | 16.6360% | 685 |
| Core capital (leverage) ratio | 16.8799% | 567 |
| Tier 1 risk-based capital ratio | 12.4531% | 4,583 |
| Total risk-based capital ratio | 13.7267% | 4,515 |
| Memoranda: | ||
| Average total assets | $24,442,518,750 | 56 |
| Average earning assets | $22,512,556,500 | 56 |
| Average equity | $3,586,273,750 | 48 |
| Average total loans | $14,824,362,250 | 56 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.3894% | 31 |
| Cost of funding earning assets | 1.3005% | 6,807 |
| Net interest margin | 10.0890% | 25 |
| Noninterest income to average assets | 10.6541% | 72 |
| Noninterest expense to average assets | 9.6531% | 119 |
| Loan and lease loss provision to assets | 6.7669% | 103 |
| Net operating income to assets | 2.4192% | 122 |
| Return on assets (ROA) | 2.4192% | 134 |
| Pretax return on assets | 3.4960% | 72 |
| Return on Equity (ROE) | 17.3036% | 554 |
| Retained earnings to average equity (ytd only) | 17.3036% | 126 |
| Net charge-offs to loans | 9.1337% | 74 |
| Credit loss provision to net charge-offs | 113.9446% | 4,068 |
| Earnings coverage of net charge-offs (x) | 1.7281% | 4,260 |
| Efficiency ratio | 48.4690% | 7,737 |
| Assets per employee ($millions) | 363.5985% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3360% | 30 |
| Loan loss allowance to noncurrent loans | 238.1110% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 1.9247% | 3,311 |
| Noncurrent loans to loans | 3.5009% | 2,005 |
| Net loans and leases to total assets | 50.3952% | 6,835 |
| Net loans and leases to deposits | 110.8727% | 523 |
| Net loans and leases to core deposits | 139.7280% | 1,023 |
| Total domestic deposits to total assets | 39.1822% | 8,101 |
| Equity capital to assets | 16.7045% | 709 |
| Core capital (leverage) ratio | 15.0144% | 915 |
| Tier 1 risk-based capital ratio | 11.0521% | 5,830 |
| Total risk-based capital ratio | 12.3250% | 5,723 |
| Memoranda: | ||
| Average total assets | $24,104,822,000 | 62 |
| Average earning assets | $22,128,903,000 | 61 |
| Average equity | $3,370,102,670 | 52 |
| Average total loans | $15,673,053,670 | 59 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.2688% | 27 |
| Cost of funding earning assets | 1.2700% | 7,117 |
| Net interest margin | 10.9988% | 22 |
| Noninterest income to average assets | 10.7181% | 64 |
| Noninterest expense to average assets | 9.5680% | 123 |
| Loan and lease loss provision to assets | 8.2065% | 64 |
| Net operating income to assets | 2.3920% | 158 |
| Return on assets (ROA) | 2.3920% | 188 |
| Pretax return on assets | 3.1194% | 115 |
| Return on Equity (ROE) | 18.8510% | 518 |
| Retained earnings to average equity (ytd only) | 18.8510% | 202 |
| Net charge-offs to loans | 8.7570% | 78 |
| Credit loss provision to net charge-offs | 134.2876% | 3,013 |
| Earnings coverage of net charge-offs (x) | 1.8533% | 3,805 |
| Efficiency ratio | 45.7935% | 7,852 |
| Assets per employee ($millions) | 401.1493% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6537% | 35 |
| Loan loss allowance to noncurrent loans | 172.6438% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 2.7917% | 2,033 |
| Noncurrent loans to loans | 4.4332% | 1,307 |
| Net loans and leases to total assets | 58.1523% | 5,920 |
| Net loans and leases to deposits | 142.0571% | 82 |
| Net loans and leases to core deposits | 180.9988% | 227 |
| Total domestic deposits to total assets | 35.6022% | 8,158 |
| Equity capital to assets | 13.0188% | 1,736 |
| Core capital (leverage) ratio | 12.7440% | 1,589 |
| Tier 1 risk-based capital ratio | 15.0785% | 3,026 |
| Total risk-based capital ratio | 16.6106% | 2,849 |
| Memoranda: | ||
| Average total assets | $24,522,080,500 | 62 |
| Average earning assets | $22,687,129,500 | 61 |
| Average equity | $3,111,563,000 | 53 |
| Average total loans | $17,112,788,500 | 55 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0219% | 22 |
| Cost of funding earning assets | 2.8327% | 2,571 |
| Net interest margin | 11.1892% | 23 |
| Noninterest income to average assets | 13.3791% | 66 |
| Noninterest expense to average assets | 12.1188% | 108 |
| Loan and lease loss provision to assets | 6.1059% | 57 |
| Net operating income to assets | 3.9137% | 42 |
| Return on assets (ROA) | 3.9137% | 42 |
| Pretax return on assets | 5.6365% | 42 |
| Return on Equity (ROE) | 33.4526% | 36 |
| Retained earnings to average equity (ytd only) | 10.7910% | 353 |
| Net charge-offs to loans | 6.3537% | 50 |
| Credit loss provision to net charge-offs | 121.7157% | 4,414 |
| Earnings coverage of net charge-offs (x) | 2.3407% | 4,917 |
| Efficiency ratio | 50.7887% | 7,604 |
| Assets per employee ($millions) | 409.5676% | 10 |
| Cash dividends to net income (ytd only)* | 67.7423% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5852% | 70 |
| Loan loss allowance to noncurrent loans | 224.9780% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 1.9009% | 2,587 |
| Noncurrent loans to loans | 2.4825% | 2,200 |
| Net loans and leases to total assets | 72.2931% | 3,518 |
| Net loans and leases to deposits | 241.6104% | 28 |
| Net loans and leases to core deposits | 316.2928% | 42 |
| Total domestic deposits to total assets | 28.3093% | 8,219 |
| Equity capital to assets | 12.3602% | 2,081 |
| Core capital (leverage) ratio | 13.2490% | 1,462 |
| Tier 1 risk-based capital ratio | 12.2651% | 4,615 |
| Total risk-based capital ratio | 13.7118% | 4,361 |
| Memoranda: | ||
| Average total assets | $24,516,865,400 | 61 |
| Average earning assets | $22,967,501,200 | 59 |
| Average equity | $2,868,288,800 | 55 |
| Average total loans | $19,357,236,800 | 49 |