Home > Banc of California > Performance and Condition Ratios
Banc of California, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3243% | 1,449 |
| Cost of funding earning assets | 3.1934% | 114 |
| Net interest margin | 2.1309% | 4,357 |
| Noninterest income to average assets | -0.0500% | 4,584 |
| Noninterest expense to average assets | 6.1509% | 171 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | -3.7482% | 4,588 |
| Return on assets (ROA) | -4.6883% | 4,587 |
| Pretax return on assets | -5.4405% | 4,590 |
| Return on Equity (ROE) | -59.6700% | 4,574 |
| Retained earnings to average equity (ytd only) | -61.1464% | 4,559 |
| Net charge-offs to loans | 0.2284% | 476 |
| Credit loss provision to net charge-offs | 194.7495% | 1,242 |
| Earnings coverage of net charge-offs (x) | -28.7501% | 4,571 |
| Efficiency ratio | 137.3853% | 55 |
| Assets per employee ($millions) | 16.7552% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 2,844 |
| Loan loss allowance to noncurrent loans | 176.8765% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 1,282 |
| Noncurrent loans to loans | 0.6215% | 1,264 |
| Net loans and leases to total assets | 66.0200% | 2,254 |
| Net loans and leases to deposits | 82.8276% | 1,883 |
| Net loans and leases to core deposits | 156.5098% | 174 |
| Total domestic deposits to total assets | 79.7100% | 3,512 |
| Equity capital to assets | 9.7355% | 2,170 |
| Core capital (leverage) ratio | 9.6170% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7529% | 1,329 |
| Memoranda: | ||
| Average total assets | $39,738,265,600 | 56 |
| Average earning assets | $36,964,122,200 | 53 |
| Average equity | $3,122,121,800 | 67 |
| Average total loans | $25,520,269,000 | 53 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3481% | 1,212 |
| Cost of funding earning assets | 3.1230% | 100 |
| Net interest margin | 2.2251% | 4,338 |
| Noninterest income to average assets | -0.1800% | 4,619 |
| Noninterest expense to average assets | 6.9408% | 145 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | -4.6353% | 4,615 |
| Return on assets (ROA) | -4.6221% | 4,614 |
| Pretax return on assets | -5.0436% | 4,616 |
| Return on Equity (ROE) | -62.4000% | 4,599 |
| Retained earnings to average equity (ytd only) | -64.4670% | 4,586 |
| Net charge-offs to loans | 0.2350% | 378 |
| Credit loss provision to net charge-offs | 147.9915% | 1,333 |
| Earnings coverage of net charge-offs (x) | -33.7263% | 4,614 |
| Efficiency ratio | 123.0403% | 70 |
| Assets per employee ($millions) | 20.8470% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 3,332 |
| Loan loss allowance to noncurrent loans | 170.0142% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 1,536 |
| Noncurrent loans to loans | 0.5914% | 1,357 |
| Net loans and leases to total assets | 59.6200% | 2,885 |
| Net loans and leases to deposits | 81.7235% | 1,926 |
| Net loans and leases to core deposits | 181.2660% | 55 |
| Total domestic deposits to total assets | 72.9500% | 4,219 |
| Equity capital to assets | 6.7585% | 3,723 |
| Core capital (leverage) ratio | 8.5673% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3674% | 1,230 |
| Memoranda: | ||
| Average total assets | $40,080,478,250 | 57 |
| Average earning assets | $37,446,243,000 | 54 |
| Average equity | $2,968,785,000 | 70 |
| Average total loans | $25,497,227,000 | 54 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4991% | 833 |
| Cost of funding earning assets | 2.9795% | 87 |
| Net interest margin | 2.5196% | 4,189 |
| Noninterest income to average assets | -0.4600% | 4,651 |
| Noninterest expense to average assets | 9.1639% | 118 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | -6.6878% | 4,652 |
| Return on assets (ROA) | -6.6801% | 4,650 |
| Pretax return on assets | -7.2907% | 4,652 |
| Return on Equity (ROE) | -87.9000% | 4,635 |
| Retained earnings to average equity (ytd only) | -90.8380% | 4,619 |
| Net charge-offs to loans | 0.3004% | 280 |
| Credit loss provision to net charge-offs | 146.2573% | 1,210 |
| Earnings coverage of net charge-offs (x) | -37.4701% | 4,648 |
| Efficiency ratio | 130.1084% | 54 |
| Assets per employee ($millions) | 20.4786% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 3,555 |
| Loan loss allowance to noncurrent loans | 136.8152% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 1,203 |
| Noncurrent loans to loans | 0.7048% | 1,057 |
| Net loans and leases to total assets | 58.9900% | 2,869 |
| Net loans and leases to deposits | 80.1254% | 1,964 |
| Net loans and leases to core deposits | 192.9952% | 48 |
| Total domestic deposits to total assets | 73.6200% | 4,217 |
| Equity capital to assets | 6.7956% | 3,886 |
| Core capital (leverage) ratio | 7.6169% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0691% | 1,306 |
| Memoranda: | ||
| Average total assets | $41,203,449,000 | 55 |
| Average earning assets | $38,447,875,333 | 53 |
| Average equity | $3,131,329,333 | 66 |
| Average total loans | $26,626,368,333 | 54 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2136% | 940 |
| Cost of funding earning assets | 2.3059% | 148 |
| Net interest margin | 2.9077% | 3,781 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 14.7010% | 84 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | -11.1117% | 4,684 |
| Return on assets (ROA) | -11.1117% | 4,684 |
| Pretax return on assets | -11.6910% | 4,685 |
| Return on Equity (ROE) | -139.6100% | 4,660 |
| Retained earnings to average equity (ytd only) | -145.0251% | 4,690 |
| Net charge-offs to loans | 0.1285% | 509 |
| Credit loss provision to net charge-offs | 201.5909% | 824 |
| Earnings coverage of net charge-offs (x) | -135.7273% | 4,687 |
| Efficiency ratio | 58.8283% | 3,087 |
| Assets per employee ($millions) | 19.0178% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 4,195 |
| Loan loss allowance to noncurrent loans | 230.1544% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 2,080 |
| Noncurrent loans to loans | 0.3206% | 1,996 |
| Net loans and leases to total assets | 63.8500% | 2,263 |
| Net loans and leases to deposits | 99.0580% | 484 |
| Net loans and leases to core deposits | 132.5243% | 249 |
| Total domestic deposits to total assets | 64.4600% | 4,505 |
| Equity capital to assets | 6.3577% | 4,075 |
| Core capital (leverage) ratio | 8.1360% | 4,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9387% | 2,412 |
| Memoranda: | ||
| Average total assets | $42,719,136,500 | 56 |
| Average earning assets | $39,726,054,000 | 51 |
| Average equity | $3,399,991,000 | 66 |
| Average total loans | $28,571,380,500 | 56 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1744% | 1,299 |
| Cost of funding earning assets | 0.6453% | 736 |
| Net interest margin | 3.5292% | 1,843 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.8965% | 3,828 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.1929% | 1,802 |
| Return on assets (ROA) | 1.1037% | 2,092 |
| Pretax return on assets | 1.4901% | 1,483 |
| Return on Equity (ROE) | 11.2500% | 2,396 |
| Retained earnings to average equity (ytd only) | 8.0094% | 1,824 |
| Net charge-offs to loans | 0.0186% | 1,727 |
| Credit loss provision to net charge-offs | 103.4768% | 1,531 |
| Earnings coverage of net charge-offs (x) | 139.7705% | 827 |
| Efficiency ratio | 50.3266% | 4,112 |
| Assets per employee ($millions) | 17.0322% | 143 |
| Cash dividends to net income (ytd only)* | 28.7857% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7000% | 4,208 |
| Loan loss allowance to noncurrent loans | 185.5177% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 1,774 |
| Noncurrent loans to loans | 0.3773% | 1,791 |
| Net loans and leases to total assets | 69.1400% | 1,716 |
| Net loans and leases to deposits | 83.0482% | 1,538 |
| Net loans and leases to core deposits | 100.7599% | 959 |
| Total domestic deposits to total assets | 83.2500% | 3,364 |
| Equity capital to assets | 9.6796% | 1,898 |
| Core capital (leverage) ratio | 8.3890% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3413% | 2,632 |
| Memoranda: | ||
| Average total assets | $40,601,904,600 | 58 |
| Average earning assets | $37,282,369,400 | 56 |
| Average equity | $3,984,575,600 | 60 |
| Average total loans | $26,028,884,600 | 58 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8827% | 1,527 |
| Cost of funding earning assets | 0.3555% | 1,659 |
| Net interest margin | 3.5273% | 1,580 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.7981% | 3,991 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.2825% | 1,418 |
| Return on assets (ROA) | 1.2922% | 1,344 |
| Pretax return on assets | 1.7386% | 826 |
| Return on Equity (ROE) | 13.1200% | 1,664 |
| Retained earnings to average equity (ytd only) | 10.2434% | 1,277 |
| Net charge-offs to loans | 0.0118% | 1,677 |
| Credit loss provision to net charge-offs | -402.3245% | 4,686 |
| Earnings coverage of net charge-offs (x) | 240.6468% | 552 |
| Efficiency ratio | 49.3227% | 4,196 |
| Assets per employee ($millions) | 16.9923% | 147 |
| Cash dividends to net income (ytd only)* | 21.9338% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6841% | 4,279 |
| Loan loss allowance to noncurrent loans | 179.8729% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 1,814 |
| Noncurrent loans to loans | 0.3803% | 1,867 |
| Net loans and leases to total assets | 66.4600% | 1,840 |
| Net loans and leases to deposits | 79.5689% | 1,602 |
| Net loans and leases to core deposits | 91.1950% | 1,219 |
| Total domestic deposits to total assets | 83.5200% | 3,603 |
| Equity capital to assets | 9.4494% | 1,914 |
| Core capital (leverage) ratio | 8.3889% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1632% | 2,766 |
| Memoranda: | ||
| Average total assets | $40,456,441,750 | 59 |
| Average earning assets | $37,199,955,250 | 59 |
| Average equity | $3,984,111,250 | 62 |
| Average total loans | $25,367,559,000 | 59 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6427% | 1,711 |
| Cost of funding earning assets | 0.1685% | 3,334 |
| Net interest margin | 3.4741% | 1,385 |
| Noninterest income to average assets | 0.3174% | 3,269 |
| Noninterest expense to average assets | 1.7541% | 4,047 |
| Loan and lease loss provision to assets | 0.0573% | 1,558 |
| Net operating income to assets | 1.2703% | 1,220 |
| Return on assets (ROA) | 1.2808% | 1,177 |
| Pretax return on assets | 1.7181% | 719 |
| Return on Equity (ROE) | 12.8275% | 1,432 |
| Retained earnings to average equity (ytd only) | 9.4354% | 1,159 |
| Net charge-offs to loans | -0.0011% | 3,054 |
| Credit loss provision to net charge-offs | 8,510.6383% | 64 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8502% | 4,317 |
| Assets per employee ($millions) | 17.2907% | 136 |
| Cash dividends to net income (ytd only)* | 26.4434% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7121% | 4,311 |
| Loan loss allowance to noncurrent loans | 240.3763% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 2,233 |
| Noncurrent loans to loans | 0.2962% | 2,278 |
| Net loans and leases to total assets | 64.3181% | 1,870 |
| Net loans and leases to deposits | 76.6105% | 1,638 |
| Net loans and leases to core deposits | 85.4851% | 1,376 |
| Total domestic deposits to total assets | 83.9547% | 3,694 |
| Equity capital to assets | 9.7415% | 1,856 |
| Core capital (leverage) ratio | 8.2132% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7707% | 2,870 |
| Memoranda: | ||
| Average total assets | $40,155,522,333 | 58 |
| Average earning assets | $36,971,797,333 | 60 |
| Average equity | $4,009,412,333 | 61 |
| Average total loans | $24,598,227,000 | 58 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 1,737 |
| Cost of funding earning assets | 0.1075% | 4,046 |
| Net interest margin | 3.4133% | 1,273 |
| Noninterest income to average assets | 0.3381% | 3,068 |
| Noninterest expense to average assets | 1.7369% | 4,078 |
| Loan and lease loss provision to assets | -0.0201% | 4,449 |
| Net operating income to assets | 1.3107% | 980 |
| Return on assets (ROA) | 1.3115% | 966 |
| Pretax return on assets | 1.7703% | 584 |
| Return on Equity (ROE) | 12.9726% | 1,041 |
| Retained earnings to average equity (ytd only) | 9.6903% | 1,098 |
| Net charge-offs to loans | 0.0197% | 1,138 |
| Credit loss provision to net charge-offs | -171.5266% | 2,955 |
| Earnings coverage of net charge-offs (x) | 149.1784% | 535 |
| Efficiency ratio | 48.7694% | 4,363 |
| Assets per employee ($millions) | 17.2601% | 139 |
| Cash dividends to net income (ytd only)* | 25.3021% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8106% | 4,225 |
| Loan loss allowance to noncurrent loans | 296.7811% | 2,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 2,450 |
| Noncurrent loans to loans | 0.2731% | 2,495 |
| Net loans and leases to total assets | 61.6226% | 1,905 |
| Net loans and leases to deposits | 72.3269% | 1,754 |
| Net loans and leases to core deposits | 73.8114% | 1,958 |
| Total domestic deposits to total assets | 85.2001% | 3,498 |
| Equity capital to assets | 9.8291% | 2,029 |
| Core capital (leverage) ratio | 7.3053% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4464% | 2,989 |
| Memoranda: | ||
| Average total assets | $39,778,375,500 | 61 |
| Average earning assets | $36,685,546,000 | 61 |
| Average equity | $4,021,510,000 | 61 |
| Average total loans | $23,646,783,500 | 59 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6095% | 2,364 |
| Cost of funding earning assets | 0.1182% | 4,242 |
| Net interest margin | 3.4913% | 1,763 |
| Noninterest income to average assets | 0.3599% | 3,279 |
| Noninterest expense to average assets | 1.7476% | 4,231 |
| Loan and lease loss provision to assets | -0.4314% | 4,811 |
| Net operating income to assets | 1.6690% | 680 |
| Return on assets (ROA) | 1.6814% | 688 |
| Pretax return on assets | 2.2788% | 355 |
| Return on Equity (ROE) | 14.3923% | 1,088 |
| Retained earnings to average equity (ytd only) | 9.8970% | 944 |
| Net charge-offs to loans | -0.0093% | 3,716 |
| Credit loss provision to net charge-offs | 7,939.8832% | 90 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7946% | 4,419 |
| Assets per employee ($millions) | 18.3034% | 128 |
| Cash dividends to net income (ytd only)* | 31.2337% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 4,127 |
| Loan loss allowance to noncurrent loans | 328.0030% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 2,517 |
| Noncurrent loans to loans | 0.2665% | 2,649 |
| Net loans and leases to total assets | 56.3466% | 2,561 |
| Net loans and leases to deposits | 64.6553% | 2,630 |
| Net loans and leases to core deposits | 67.2581% | 2,715 |
| Total domestic deposits to total assets | 87.1492% | 2,452 |
| Equity capital to assets | 10.3824% | 2,290 |
| Core capital (leverage) ratio | 7.0017% | 4,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8029% | 2,929 |
| Memoranda: | ||
| Average total assets | $34,656,776,600 | 67 |
| Average earning assets | $31,958,327,200 | 65 |
| Average equity | $4,048,729,600 | 64 |
| Average total loans | $20,209,402,200 | 70 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6541% | 2,403 |
| Cost of funding earning assets | 0.1205% | 4,349 |
| Net interest margin | 3.5336% | 1,776 |
| Noninterest income to average assets | 0.3602% | 3,301 |
| Noninterest expense to average assets | 1.7608% | 4,239 |
| Loan and lease loss provision to assets | -0.5878% | 4,894 |
| Net operating income to assets | 1.8037% | 662 |
| Return on assets (ROA) | 1.8171% | 670 |
| Pretax return on assets | 2.4584% | 362 |
| Return on Equity (ROE) | 15.0459% | 1,130 |
| Retained earnings to average equity (ytd only) | 11.7569% | 889 |
| Net charge-offs to loans | -0.0140% | 3,815 |
| Credit loss provision to net charge-offs | 7,139.7661% | 112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7309% | 4,386 |
| Assets per employee ($millions) | 17.0672% | 145 |
| Cash dividends to net income (ytd only)* | 21.8594% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 3,872 |
| Loan loss allowance to noncurrent loans | 315.9778% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 2,261 |
| Noncurrent loans to loans | 0.3144% | 2,656 |
| Net loans and leases to total assets | 56.6590% | 2,655 |
| Net loans and leases to deposits | 66.1418% | 2,617 |
| Net loans and leases to core deposits | 69.5459% | 2,637 |
| Total domestic deposits to total assets | 85.6629% | 2,887 |
| Equity capital to assets | 11.6291% | 1,589 |
| Core capital (leverage) ratio | 8.3993% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5915% | 2,512 |
| Memoranda: | ||
| Average total assets | $33,231,206,250 | 72 |
| Average earning assets | $30,603,384,250 | 70 |
| Average equity | $4,013,351,750 | 65 |
| Average total loans | $19,526,372,750 | 71 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6965% | 2,342 |
| Cost of funding earning assets | 0.1188% | 4,449 |
| Net interest margin | 3.5777% | 1,642 |
| Noninterest income to average assets | 0.3577% | 3,319 |
| Noninterest expense to average assets | 1.7499% | 4,282 |
| Loan and lease loss provision to assets | -0.7726% | 4,937 |
| Net operating income to assets | 1.9711% | 509 |
| Return on assets (ROA) | 1.9798% | 529 |
| Pretax return on assets | 2.6825% | 266 |
| Return on Equity (ROE) | 16.1715% | 923 |
| Retained earnings to average equity (ytd only) | 12.8397% | 751 |
| Net charge-offs to loans | -0.0252% | 4,083 |
| Credit loss provision to net charge-offs | 5,167.7553% | 131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9463% | 4,466 |
| Assets per employee ($millions) | 16.9443% | 153 |
| Cash dividends to net income (ytd only)* | 20.6030% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 3,159 |
| Loan loss allowance to noncurrent loans | 397.3860% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 2,447 |
| Noncurrent loans to loans | 0.2910% | 2,882 |
| Net loans and leases to total assets | 55.3715% | 2,972 |
| Net loans and leases to deposits | 64.7471% | 2,923 |
| Net loans and leases to core deposits | 68.5267% | 2,915 |
| Total domestic deposits to total assets | 85.5197% | 2,906 |
| Equity capital to assets | 11.7938% | 1,462 |
| Core capital (leverage) ratio | 8.4680% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2240% | 2,281 |
| Memoranda: | ||
| Average total assets | $32,361,209,667 | 72 |
| Average earning assets | $29,768,913,667 | 71 |
| Average equity | $3,961,800,667 | 65 |
| Average total loans | $19,198,166,667 | 72 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 2,097 |
| Cost of funding earning assets | 0.1089% | 4,599 |
| Net interest margin | 3.6918% | 1,348 |
| Noninterest income to average assets | 0.3540% | 3,318 |
| Noninterest expense to average assets | 1.9481% | 3,863 |
| Loan and lease loss provision to assets | -0.6811% | 4,946 |
| Net operating income to assets | 1.8238% | 751 |
| Return on assets (ROA) | 1.8248% | 803 |
| Pretax return on assets | 2.4769% | 453 |
| Return on Equity (ROE) | 14.6061% | 1,295 |
| Retained earnings to average equity (ytd only) | 11.2122% | 1,344 |
| Net charge-offs to loans | 0.0575% | 937 |
| Credit loss provision to net charge-offs | -1,937.4269% | 3,538 |
| Earnings coverage of net charge-offs (x) | 51.0461% | 888 |
| Efficiency ratio | 50.9934% | 4,095 |
| Assets per employee ($millions) | 16.4617% | 152 |
| Cash dividends to net income (ytd only)* | 23.2360% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 1,470 |
| Loan loss allowance to noncurrent loans | 313.8832% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 2,099 |
| Noncurrent loans to loans | 0.4902% | 2,383 |
| Net loans and leases to total assets | 57.0362% | 2,900 |
| Net loans and leases to deposits | 65.9907% | 2,916 |
| Net loans and leases to core deposits | 70.7335% | 2,808 |
| Total domestic deposits to total assets | 86.4307% | 2,557 |
| Equity capital to assets | 11.9300% | 1,320 |
| Core capital (leverage) ratio | 8.8288% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7964% | 2,739 |
| Memoranda: | ||
| Average total assets | $31,131,558,500 | 74 |
| Average earning assets | $28,575,104,500 | 74 |
| Average equity | $3,889,369,000 | 66 |
| Average total loans | $19,044,137,500 | 73 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 1,574 |
| Cost of funding earning assets | 0.2742% | 4,278 |
| Net interest margin | 4.1324% | 736 |
| Noninterest income to average assets | 0.3945% | 3,123 |
| Noninterest expense to average assets | 7.3114% | 103 |
| Loan and lease loss provision to assets | 1.0614% | 83 |
| Net operating income to assets | -4.5262% | 4,985 |
| Return on assets (ROA) | -4.4421% | 4,984 |
| Pretax return on assets | -4.1627% | 4,984 |
| Return on Equity (ROE) | -30.2744% | 4,987 |
| Retained earnings to average equity (ytd only) | -36.6438% | 4,985 |
| Net charge-offs to loans | 0.4524% | 365 |
| Credit loss provision to net charge-offs | 335.9283% | 1,617 |
| Earnings coverage of net charge-offs (x) | -10.0822% | 3,403 |
| Efficiency ratio | 46.8504% | 4,678 |
| Assets per employee ($millions) | 17.3061% | 127 |
| Cash dividends to net income (ytd only)* | -21.0392% | 4,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 819 |
| Loan loss allowance to noncurrent loans | 382.1004% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 2,128 |
| Noncurrent loans to loans | 0.4775% | 2,539 |
| Net loans and leases to total assets | 63.6060% | 2,416 |
| Net loans and leases to deposits | 74.7415% | 2,406 |
| Net loans and leases to core deposits | 80.7822% | 2,293 |
| Total domestic deposits to total assets | 85.1012% | 2,720 |
| Equity capital to assets | 13.1208% | 1,051 |
| Core capital (leverage) ratio | 9.5280% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9853% | 2,632 |
| Memoranda: | ||
| Average total assets | $27,606,074,800 | 77 |
| Average earning assets | $24,927,374,000 | 78 |
| Average equity | $4,050,570,400 | 62 |
| Average total loans | $19,278,991,400 | 73 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5312% | 1,502 |
| Cost of funding earning assets | 0.3265% | 4,181 |
| Net interest margin | 4.2048% | 722 |
| Noninterest income to average assets | 0.3913% | 3,123 |
| Noninterest expense to average assets | 9.3185% | 82 |
| Loan and lease loss provision to assets | 1.3361% | 73 |
| Net operating income to assets | -6.7001% | 5,020 |
| Return on assets (ROA) | -6.5924% | 5,019 |
| Pretax return on assets | -6.3737% | 5,020 |
| Return on Equity (ROE) | -43.6766% | 5,020 |
| Retained earnings to average equity (ytd only) | -50.9988% | 5,015 |
| Net charge-offs to loans | 0.4721% | 314 |
| Credit loss provision to net charge-offs | 397.4516% | 1,465 |
| Earnings coverage of net charge-offs (x) | -15.3062% | 3,208 |
| Efficiency ratio | 48.9070% | 4,560 |
| Assets per employee ($millions) | 16.2123% | 135 |
| Cash dividends to net income (ytd only)* | -16.7646% | 4,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8184% | 692 |
| Loan loss allowance to noncurrent loans | 404.2933% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 2,275 |
| Noncurrent loans to loans | 0.4498% | 2,701 |
| Net loans and leases to total assets | 65.7672% | 2,548 |
| Net loans and leases to deposits | 77.5541% | 2,582 |
| Net loans and leases to core deposits | 84.7165% | 2,410 |
| Total domestic deposits to total assets | 84.8017% | 2,514 |
| Equity capital to assets | 13.2388% | 1,087 |
| Core capital (leverage) ratio | 9.7009% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9542% | 2,632 |
| Memoranda: | ||
| Average total assets | $27,143,865,750 | 77 |
| Average earning assets | $24,414,322,750 | 76 |
| Average equity | $4,097,031,000 | 60 |
| Average total loans | $19,327,922,250 | 71 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7238% | 1,350 |
| Cost of funding earning assets | 0.4167% | 3,963 |
| Net interest margin | 4.3071% | 741 |
| Noninterest income to average assets | 0.4062% | 3,040 |
| Noninterest expense to average assets | 13.0984% | 56 |
| Loan and lease loss provision to assets | 1.4294% | 91 |
| Net operating income to assets | -10.4907% | 5,062 |
| Return on assets (ROA) | -10.4172% | 5,062 |
| Pretax return on assets | -10.1972% | 5,061 |
| Return on Equity (ROE) | -66.1369% | 5,060 |
| Retained earnings to average equity (ytd only) | -75.2596% | 5,054 |
| Net charge-offs to loans | 0.3330% | 487 |
| Credit loss provision to net charge-offs | 590.3808% | 1,121 |
| Earnings coverage of net charge-offs (x) | -36.5162% | 3,010 |
| Efficiency ratio | 47.8824% | 4,641 |
| Assets per employee ($millions) | 15.3675% | 154 |
| Cash dividends to net income (ytd only)* | -13.7937% | 5,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 1,180 |
| Loan loss allowance to noncurrent loans | 181.2838% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 1,981 |
| Noncurrent loans to loans | 0.8432% | 1,808 |
| Net loans and leases to total assets | 70.9379% | 1,884 |
| Net loans and leases to deposits | 84.1732% | 1,984 |
| Net loans and leases to core deposits | 94.8082% | 1,681 |
| Total domestic deposits to total assets | 84.2761% | 2,649 |
| Equity capital to assets | 13.6290% | 949 |
| Core capital (leverage) ratio | 10.0293% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4364% | 2,845 |
| Memoranda: | ||
| Average total assets | $26,723,866,000 | 78 |
| Average earning assets | $23,893,175,667 | 77 |
| Average equity | $4,209,265,000 | 59 |
| Average total loans | $19,428,432,667 | 72 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9919% | 989 |
| Cost of funding earning assets | 0.6048% | 3,408 |
| Net interest margin | 4.3871% | 644 |
| Noninterest income to average assets | 0.4242% | 2,940 |
| Noninterest expense to average assets | 24.2135% | 34 |
| Loan and lease loss provision to assets | 1.4839% | 103 |
| Net operating income to assets | -21.6239% | 5,113 |
| Return on assets (ROA) | -21.6239% | 5,112 |
| Pretax return on assets | -21.3964% | 5,112 |
| Return on Equity (ROE) | -128.3399% | 5,113 |
| Retained earnings to average equity (ytd only) | -142.4494% | 5,107 |
| Net charge-offs to loans | 0.3962% | 367 |
| Credit loss provision to net charge-offs | 512.8205% | 861 |
| Earnings coverage of net charge-offs (x) | -68.8142% | 2,561 |
| Efficiency ratio | 44.0557% | 4,880 |
| Assets per employee ($millions) | 14.4922% | 139 |
| Cash dividends to net income (ytd only)* | -10.9939% | 5,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 3,087 |
| Loan loss allowance to noncurrent loans | 232.4971% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 2,977 |
| Noncurrent loans to loans | 0.4821% | 2,814 |
| Net loans and leases to total assets | 74.8017% | 1,484 |
| Net loans and leases to deposits | 99.1592% | 614 |
| Net loans and leases to core deposits | 114.6566% | 640 |
| Total domestic deposits to total assets | 75.4360% | 4,542 |
| Equity capital to assets | 14.0423% | 1,040 |
| Core capital (leverage) ratio | 9.7057% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3867% | 3,251 |
| Memoranda: | ||
| Average total assets | $26,416,421,000 | 76 |
| Average earning assets | $23,344,534,000 | 77 |
| Average equity | $4,450,894,000 | 58 |
| Average total loans | $19,295,355,500 | 69 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3874% | 680 |
| Cost of funding earning assets | 0.7825% | 2,759 |
| Net interest margin | 4.6050% | 565 |
| Noninterest income to average assets | 0.4145% | 3,206 |
| Noninterest expense to average assets | 1.8589% | 4,706 |
| Loan and lease loss provision to assets | 0.0873% | 2,268 |
| Net operating income to assets | 1.7784% | 548 |
| Return on assets (ROA) | 1.8542% | 496 |
| Pretax return on assets | 2.5161% | 206 |
| Return on Equity (ROE) | 9.5309% | 2,505 |
| Retained earnings to average equity (ytd only) | 2.9728% | 3,548 |
| Net charge-offs to loans | 0.0904% | 1,831 |
| Credit loss provision to net charge-offs | 137.8318% | 1,868 |
| Earnings coverage of net charge-offs (x) | 39.5734% | 1,325 |
| Efficiency ratio | 40.9448% | 5,049 |
| Assets per employee ($millions) | 14.7530% | 129 |
| Cash dividends to net income (ytd only)* | 68.8087% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7365% | 4,492 |
| Loan loss allowance to noncurrent loans | 152.0103% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 3,031 |
| Noncurrent loans to loans | 0.4845% | 2,736 |
| Net loans and leases to total assets | 69.9789% | 2,396 |
| Net loans and leases to deposits | 96.7000% | 872 |
| Net loans and leases to core deposits | 108.7201% | 929 |
| Total domestic deposits to total assets | 72.3669% | 4,855 |
| Equity capital to assets | 19.5893% | 266 |
| Core capital (leverage) ratio | 10.9475% | 2,544 |
| Tier 1 risk-based capital ratio | 11.0004% | 4,857 |
| Total risk-based capital ratio | 11.7424% | 4,947 |
| Memoranda: | ||
| Average total assets | $26,335,984,400 | 73 |
| Average earning assets | $22,600,714,400 | 75 |
| Average equity | $5,123,453,800 | 46 |
| Average total loans | $18,468,906,200 | 69 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4770% | 610 |
| Cost of funding earning assets | 0.8088% | 2,668 |
| Net interest margin | 4.6682% | 526 |
| Noninterest income to average assets | 0.4199% | 3,204 |
| Noninterest expense to average assets | 1.8530% | 4,757 |
| Loan and lease loss provision to assets | 0.1118% | 1,747 |
| Net operating income to assets | 1.7734% | 644 |
| Return on assets (ROA) | 1.8762% | 544 |
| Pretax return on assets | 2.5901% | 209 |
| Return on Equity (ROE) | 9.6615% | 2,590 |
| Retained earnings to average equity (ytd only) | 2.9101% | 3,930 |
| Net charge-offs to loans | 0.1155% | 1,325 |
| Credit loss provision to net charge-offs | 138.1910% | 1,741 |
| Earnings coverage of net charge-offs (x) | 31.7879% | 1,574 |
| Efficiency ratio | 40.2049% | 5,117 |
| Assets per employee ($millions) | 14.7663% | 129 |
| Cash dividends to net income (ytd only)* | 69.8793% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 4,572 |
| Loan loss allowance to noncurrent loans | 139.8734% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 2,997 |
| Noncurrent loans to loans | 0.5287% | 2,702 |
| Net loans and leases to total assets | 69.6967% | 2,517 |
| Net loans and leases to deposits | 93.7385% | 1,242 |
| Net loans and leases to core deposits | 106.0931% | 1,175 |
| Total domestic deposits to total assets | 74.3522% | 4,795 |
| Equity capital to assets | 19.5103% | 277 |
| Core capital (leverage) ratio | 10.7215% | 2,918 |
| Tier 1 risk-based capital ratio | 10.7861% | 4,990 |
| Total risk-based capital ratio | 11.5188% | 5,060 |
| Memoranda: | ||
| Average total assets | $26,236,880,500 | 73 |
| Average earning assets | $22,508,646,500 | 75 |
| Average equity | $5,095,144,000 | 47 |
| Average total loans | $18,374,676,750 | 70 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5234% | 542 |
| Cost of funding earning assets | 0.7920% | 2,686 |
| Net interest margin | 4.7314% | 464 |
| Noninterest income to average assets | 0.4149% | 3,169 |
| Noninterest expense to average assets | 1.8582% | 4,806 |
| Loan and lease loss provision to assets | 0.1073% | 1,748 |
| Net operating income to assets | 1.8039% | 588 |
| Return on assets (ROA) | 1.9535% | 443 |
| Pretax return on assets | 2.6975% | 185 |
| Return on Equity (ROE) | 10.0754% | 2,353 |
| Retained earnings to average equity (ytd only) | 2.9979% | 3,719 |
| Net charge-offs to loans | 0.1253% | 1,193 |
| Credit loss provision to net charge-offs | 122.4311% | 1,718 |
| Earnings coverage of net charge-offs (x) | 29.8345% | 1,467 |
| Efficiency ratio | 39.8675% | 5,164 |
| Assets per employee ($millions) | 14.8206% | 111 |
| Cash dividends to net income (ytd only)* | 70.2457% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 4,645 |
| Loan loss allowance to noncurrent loans | 166.2911% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 3,281 |
| Noncurrent loans to loans | 0.4396% | 2,951 |
| Net loans and leases to total assets | 69.7078% | 2,565 |
| Net loans and leases to deposits | 96.9781% | 934 |
| Net loans and leases to core deposits | 110.0469% | 974 |
| Total domestic deposits to total assets | 71.8800% | 4,981 |
| Equity capital to assets | 19.5402% | 266 |
| Core capital (leverage) ratio | 10.7601% | 2,829 |
| Tier 1 risk-based capital ratio | 10.7999% | 4,992 |
| Total risk-based capital ratio | 11.5363% | 5,096 |
| Memoranda: | ||
| Average total assets | $26,088,288,330 | 72 |
| Average earning assets | $22,379,092,670 | 74 |
| Average equity | $5,058,236,000 | 47 |
| Average total loans | $18,254,405,000 | 70 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4544% | 564 |
| Cost of funding earning assets | 0.7595% | 2,744 |
| Net interest margin | 4.6949% | 500 |
| Noninterest income to average assets | 0.4092% | 3,123 |
| Noninterest expense to average assets | 1.8921% | 4,810 |
| Loan and lease loss provision to assets | 0.0616% | 2,425 |
| Net operating income to assets | 1.8070% | 575 |
| Return on assets (ROA) | 1.8367% | 531 |
| Pretax return on assets | 2.5202% | 237 |
| Return on Equity (ROE) | 9.5103% | 2,582 |
| Retained earnings to average equity (ytd only) | 3.1322% | 3,686 |
| Net charge-offs to loans | 0.0042% | 2,565 |
| Credit loss provision to net charge-offs | 2,105.2632% | 209 |
| Earnings coverage of net charge-offs (x) | 869.6842% | 66 |
| Efficiency ratio | 40.9609% | 5,188 |
| Assets per employee ($millions) | 14.6110% | 115 |
| Cash dividends to net income (ytd only)* | 67.0651% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 4,673 |
| Loan loss allowance to noncurrent loans | 119.9799% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 2,819 |
| Noncurrent loans to loans | 0.6196% | 2,472 |
| Net loans and leases to total assets | 69.3043% | 2,580 |
| Net loans and leases to deposits | 93.7487% | 1,201 |
| Net loans and leases to core deposits | 105.9192% | 1,180 |
| Total domestic deposits to total assets | 73.9257% | 4,941 |
| Equity capital to assets | 19.2789% | 265 |
| Core capital (leverage) ratio | 10.5684% | 2,974 |
| Tier 1 risk-based capital ratio | 10.6919% | 5,117 |
| Total risk-based capital ratio | 11.4491% | 5,191 |
| Memoranda: | ||
| Average total assets | $25,979,130,500 | 73 |
| Average earning assets | $22,284,463,500 | 74 |
| Average equity | $5,017,177,500 | 47 |
| Average total loans | $18,145,209,000 | 69 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4843% | 418 |
| Cost of funding earning assets | 0.4416% | 3,728 |
| Net interest margin | 5.0428% | 243 |
| Noninterest income to average assets | 0.5253% | 2,686 |
| Noninterest expense to average assets | 2.0348% | 4,687 |
| Loan and lease loss provision to assets | 0.1484% | 1,433 |
| Net operating income to assets | 1.9173% | 428 |
| Return on assets (ROA) | 1.9403% | 401 |
| Pretax return on assets | 2.6667% | 156 |
| Return on Equity (ROE) | 9.6287% | 2,675 |
| Retained earnings to average equity (ytd only) | -4.0553% | 5,217 |
| Net charge-offs to loans | 0.2544% | 760 |
| Credit loss provision to net charge-offs | 84.1208% | 2,799 |
| Earnings coverage of net charge-offs (x) | 15.7957% | 2,302 |
| Efficiency ratio | 40.1511% | 5,279 |
| Assets per employee ($millions) | 14.0912% | 121 |
| Cash dividends to net income (ytd only)* | 142.1169% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7377% | 4,712 |
| Loan loss allowance to noncurrent loans | 167.1187% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,254 |
| Noncurrent loans to loans | 0.4414% | 2,959 |
| Net loans and leases to total assets | 69.3523% | 2,685 |
| Net loans and leases to deposits | 93.2438% | 1,369 |
| Net loans and leases to core deposits | 102.1205% | 1,568 |
| Total domestic deposits to total assets | 74.3774% | 4,919 |
| Equity capital to assets | 19.3465% | 255 |
| Core capital (leverage) ratio | 10.8025% | 2,735 |
| Tier 1 risk-based capital ratio | 10.6841% | 5,117 |
| Total risk-based capital ratio | 11.4370% | 5,193 |
| Memoranda: | ||
| Average total assets | $24,804,579,400 | 72 |
| Average earning assets | $21,128,688,200 | 76 |
| Average equity | $4,998,558,600 | 46 |
| Average total loans | $17,196,413,400 | 71 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4645% | 392 |
| Cost of funding earning assets | 0.3797% | 3,996 |
| Net interest margin | 5.0848% | 223 |
| Noninterest income to average assets | 0.5309% | 2,670 |
| Noninterest expense to average assets | 2.0447% | 4,657 |
| Loan and lease loss provision to assets | 0.1427% | 1,395 |
| Net operating income to assets | 1.9221% | 458 |
| Return on assets (ROA) | 1.9522% | 429 |
| Pretax return on assets | 2.7051% | 166 |
| Return on Equity (ROE) | 9.5875% | 2,801 |
| Retained earnings to average equity (ytd only) | -6.5024% | 5,339 |
| Net charge-offs to loans | 0.1866% | 898 |
| Credit loss provision to net charge-offs | 110.5080% | 2,102 |
| Earnings coverage of net charge-offs (x) | 21.7621% | 1,906 |
| Efficiency ratio | 40.1640% | 5,329 |
| Assets per employee ($millions) | 13.6204% | 133 |
| Cash dividends to net income (ytd only)* | 167.8221% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8237% | 4,542 |
| Loan loss allowance to noncurrent loans | 125.7012% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.4740% | 2,788 |
| Noncurrent loans to loans | 0.6553% | 2,442 |
| Net loans and leases to total assets | 69.0481% | 2,793 |
| Net loans and leases to deposits | 94.3091% | 1,348 |
| Net loans and leases to core deposits | 102.5058% | 1,567 |
| Total domestic deposits to total assets | 73.2147% | 5,043 |
| Equity capital to assets | 19.7446% | 240 |
| Core capital (leverage) ratio | 10.7846% | 2,812 |
| Tier 1 risk-based capital ratio | 10.8731% | 5,090 |
| Total risk-based capital ratio | 11.6933% | 5,173 |
| Memoranda: | ||
| Average total assets | $24,580,134,250 | 73 |
| Average earning assets | $20,899,606,500 | 76 |
| Average equity | $5,005,074,500 | 46 |
| Average total loans | $17,006,103,250 | 71 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4175% | 374 |
| Cost of funding earning assets | 0.3290% | 4,211 |
| Net interest margin | 5.0885% | 210 |
| Noninterest income to average assets | 0.5581% | 2,533 |
| Noninterest expense to average assets | 2.0637% | 4,684 |
| Loan and lease loss provision to assets | 0.1207% | 1,634 |
| Net operating income to assets | 1.9549% | 419 |
| Return on assets (ROA) | 1.9996% | 377 |
| Pretax return on assets | 2.7533% | 147 |
| Return on Equity (ROE) | 9.7209% | 2,700 |
| Retained earnings to average equity (ytd only) | -8.0803% | 5,384 |
| Net charge-offs to loans | 0.2608% | 616 |
| Credit loss provision to net charge-offs | 67.0320% | 2,379 |
| Earnings coverage of net charge-offs (x) | 15.6451% | 2,031 |
| Efficiency ratio | 40.2856% | 5,396 |
| Assets per employee ($millions) | 13.5361% | 133 |
| Cash dividends to net income (ytd only)* | 183.1225% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 4,746 |
| Loan loss allowance to noncurrent loans | 116.2447% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 2,862 |
| Noncurrent loans to loans | 0.6732% | 2,421 |
| Net loans and leases to total assets | 68.3798% | 2,816 |
| Net loans and leases to deposits | 92.2495% | 1,556 |
| Net loans and leases to core deposits | 100.5570% | 1,687 |
| Total domestic deposits to total assets | 74.1248% | 5,031 |
| Equity capital to assets | 20.1635% | 219 |
| Core capital (leverage) ratio | 11.1055% | 2,433 |
| Tier 1 risk-based capital ratio | 11.4041% | 4,834 |
| Total risk-based capital ratio | 12.2072% | 4,964 |
| Memoranda: | ||
| Average total assets | $24,524,117,000 | 73 |
| Average earning assets | $20,834,620,670 | 76 |
| Average equity | $5,044,619,000 | 46 |
| Average total loans | $16,931,443,000 | 71 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3093% | 401 |
| Cost of funding earning assets | 0.2875% | 4,437 |
| Net interest margin | 5.0218% | 223 |
| Noninterest income to average assets | 0.5186% | 2,694 |
| Noninterest expense to average assets | 2.0855% | 4,688 |
| Loan and lease loss provision to assets | -0.0032% | 5,394 |
| Net operating income to assets | 1.9540% | 414 |
| Return on assets (ROA) | 2.0364% | 342 |
| Pretax return on assets | 2.8065% | 135 |
| Return on Equity (ROE) | 9.8031% | 2,534 |
| Retained earnings to average equity (ytd only) | -11.2294% | 5,395 |
| Net charge-offs to loans | 0.1167% | 1,084 |
| Credit loss provision to net charge-offs | -4.0032% | 3,544 |
| Earnings coverage of net charge-offs (x) | 33.4725% | 1,175 |
| Efficiency ratio | 41.4271% | 5,418 |
| Assets per employee ($millions) | 13.5689% | 139 |
| Cash dividends to net income (ytd only)* | 214.5493% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8161% | 4,744 |
| Loan loss allowance to noncurrent loans | 128.9236% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 3,093 |
| Noncurrent loans to loans | 0.6330% | 2,647 |
| Net loans and leases to total assets | 67.6883% | 2,803 |
| Net loans and leases to deposits | 89.0577% | 1,803 |
| Net loans and leases to core deposits | 96.9647% | 1,908 |
| Total domestic deposits to total assets | 76.0050% | 4,961 |
| Equity capital to assets | 20.7545% | 192 |
| Core capital (leverage) ratio | 11.3252% | 2,142 |
| Tier 1 risk-based capital ratio | 11.8555% | 4,645 |
| Total risk-based capital ratio | 12.6715% | 4,804 |
| Memoranda: | ||
| Average total assets | $24,536,047,000 | 74 |
| Average earning assets | $20,842,887,500 | 78 |
| Average equity | $5,096,876,500 | 46 |
| Average total loans | $16,954,478,000 | 72 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4173% | 301 |
| Cost of funding earning assets | 0.2582% | 4,502 |
| Net interest margin | 5.1591% | 177 |
| Noninterest income to average assets | 0.5215% | 2,874 |
| Noninterest expense to average assets | 2.1495% | 4,650 |
| Loan and lease loss provision to assets | 0.2252% | 872 |
| Net operating income to assets | 1.5486% | 726 |
| Return on assets (ROA) | 1.5470% | 739 |
| Pretax return on assets | 2.5671% | 159 |
| Return on Equity (ROE) | 7.6367% | 2,984 |
| Retained earnings to average equity (ytd only) | 1.8571% | 4,202 |
| Net charge-offs to loans | 0.4304% | 566 |
| Credit loss provision to net charge-offs | 74.1353% | 3,029 |
| Earnings coverage of net charge-offs (x) | 9.2007% | 2,817 |
| Efficiency ratio | 42.2028% | 5,491 |
| Assets per employee ($millions) | 13.8899% | 115 |
| Cash dividends to net income (ytd only)* | 75.6814% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7988% | 4,837 |
| Loan loss allowance to noncurrent loans | 87.1511% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 2,388 |
| Noncurrent loans to loans | 0.9166% | 1,948 |
| Net loans and leases to total assets | 69.3677% | 2,621 |
| Net loans and leases to deposits | 90.8548% | 1,670 |
| Net loans and leases to core deposits | 101.0704% | 1,628 |
| Total domestic deposits to total assets | 76.3501% | 4,939 |
| Equity capital to assets | 20.7909% | 185 |
| Core capital (leverage) ratio | 11.7489% | 1,763 |
| Tier 1 risk-based capital ratio | 11.9082% | 4,591 |
| Total risk-based capital ratio | 12.6856% | 4,777 |
| Memoranda: | ||
| Average total assets | $22,633,661,200 | 75 |
| Average earning assets | $19,402,918,200 | 78 |
| Average equity | $4,585,095,400 | 46 |
| Average total loans | $15,974,048,200 | 72 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3962% | 300 |
| Cost of funding earning assets | 0.2426% | 4,637 |
| Net interest margin | 5.1536% | 176 |
| Noninterest income to average assets | 0.5337% | 2,814 |
| Noninterest expense to average assets | 2.0748% | 4,791 |
| Loan and lease loss provision to assets | 0.2906% | 545 |
| Net operating income to assets | 1.6101% | 693 |
| Return on assets (ROA) | 1.6208% | 704 |
| Pretax return on assets | 2.6117% | 177 |
| Return on Equity (ROE) | 8.0608% | 3,096 |
| Retained earnings to average equity (ytd only) | 2.1972% | 4,541 |
| Net charge-offs to loans | 0.3904% | 544 |
| Credit loss provision to net charge-offs | 105.1825% | 2,204 |
| Earnings coverage of net charge-offs (x) | 10.4447% | 2,593 |
| Efficiency ratio | 40.7100% | 5,566 |
| Assets per employee ($millions) | 13.2689% | 134 |
| Cash dividends to net income (ytd only)* | 72.7422% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 3,968 |
| Loan loss allowance to noncurrent loans | 98.5025% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7786% | 2,191 |
| Noncurrent loans to loans | 1.0325% | 1,877 |
| Net loans and leases to total assets | 69.8788% | 2,576 |
| Net loans and leases to deposits | 89.8217% | 1,829 |
| Net loans and leases to core deposits | 102.8349% | 1,477 |
| Total domestic deposits to total assets | 77.7972% | 4,762 |
| Equity capital to assets | 20.2240% | 222 |
| Core capital (leverage) ratio | 11.4637% | 2,045 |
| Tier 1 risk-based capital ratio | 11.9483% | 4,666 |
| Total risk-based capital ratio | 12.8943% | 4,744 |
| Memoranda: | ||
| Average total assets | $22,052,030,750 | 78 |
| Average earning assets | $18,941,472,500 | 78 |
| Average equity | $4,434,008,750 | 46 |
| Average total loans | $15,604,125,500 | 74 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 296 |
| Cost of funding earning assets | 0.2226% | 4,780 |
| Net interest margin | 5.1406% | 175 |
| Noninterest income to average assets | 0.5844% | 2,536 |
| Noninterest expense to average assets | 2.0854% | 4,798 |
| Loan and lease loss provision to assets | 0.3045% | 498 |
| Net operating income to assets | 1.6225% | 660 |
| Return on assets (ROA) | 1.6322% | 668 |
| Pretax return on assets | 2.6180% | 176 |
| Return on Equity (ROE) | 8.1333% | 2,946 |
| Retained earnings to average equity (ytd only) | 2.2426% | 4,331 |
| Net charge-offs to loans | 0.5749% | 338 |
| Credit loss provision to net charge-offs | 74.8012% | 2,327 |
| Earnings coverage of net charge-offs (x) | 7.1420% | 2,636 |
| Efficiency ratio | 40.6517% | 5,612 |
| Assets per employee ($millions) | 13.1034% | 131 |
| Cash dividends to net income (ytd only)* | 72.4270% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,521 |
| Loan loss allowance to noncurrent loans | 78.6157% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 0.8916% | 1,988 |
| Noncurrent loans to loans | 1.1809% | 1,656 |
| Net loans and leases to total assets | 70.0724% | 2,515 |
| Net loans and leases to deposits | 89.6711% | 1,780 |
| Net loans and leases to core deposits | 103.6144% | 1,386 |
| Total domestic deposits to total assets | 78.1438% | 4,790 |
| Equity capital to assets | 20.0731% | 217 |
| Core capital (leverage) ratio | 11.4055% | 2,044 |
| Tier 1 risk-based capital ratio | 11.7866% | 4,766 |
| Total risk-based capital ratio | 12.6586% | 4,909 |
| Memoranda: | ||
| Average total assets | $21,994,233,670 | 74 |
| Average earning assets | $18,861,293,000 | 78 |
| Average equity | $4,413,719,670 | 46 |
| Average total loans | $15,575,354,670 | 72 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2719% | 335 |
| Cost of funding earning assets | 0.2042% | 4,942 |
| Net interest margin | 5.0678% | 202 |
| Noninterest income to average assets | 0.6130% | 2,358 |
| Noninterest expense to average assets | 2.0610% | 4,921 |
| Loan and lease loss provision to assets | 0.4477% | 235 |
| Net operating income to assets | 1.5167% | 785 |
| Return on assets (ROA) | 1.5160% | 814 |
| Pretax return on assets | 2.4383% | 242 |
| Return on Equity (ROE) | 7.5553% | 3,136 |
| Retained earnings to average equity (ytd only) | 1.6329% | 4,450 |
| Net charge-offs to loans | 0.5268% | 344 |
| Credit loss provision to net charge-offs | 119.9216% | 1,404 |
| Earnings coverage of net charge-offs (x) | 7.7335% | 2,114 |
| Efficiency ratio | 40.5208% | 5,682 |
| Assets per employee ($millions) | 13.2152% | 127 |
| Cash dividends to net income (ytd only)* | 78.3869% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 4,051 |
| Loan loss allowance to noncurrent loans | 89.7714% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 0.8743% | 2,117 |
| Noncurrent loans to loans | 1.1549% | 1,759 |
| Net loans and leases to total assets | 70.2610% | 2,329 |
| Net loans and leases to deposits | 91.4530% | 1,383 |
| Net loans and leases to core deposits | 105.7299% | 1,118 |
| Total domestic deposits to total assets | 76.8275% | 5,138 |
| Equity capital to assets | 20.1078% | 210 |
| Core capital (leverage) ratio | 11.3552% | 2,055 |
| Tier 1 risk-based capital ratio | 11.7877% | 4,857 |
| Total risk-based capital ratio | 12.7444% | 4,936 |
| Memoranda: | ||
| Average total assets | $21,879,684,500 | 74 |
| Average earning assets | $18,716,591,000 | 78 |
| Average equity | $4,390,124,000 | 46 |
| Average total loans | $15,503,862,500 | 70 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4326% | 271 |
| Cost of funding earning assets | 0.1883% | 5,125 |
| Net interest margin | 5.2443% | 160 |
| Noninterest income to average assets | 0.4534% | 3,519 |
| Noninterest expense to average assets | 2.0492% | 5,095 |
| Loan and lease loss provision to assets | 0.3053% | 616 |
| Net operating income to assets | 1.6099% | 659 |
| Return on assets (ROA) | 1.6371% | 653 |
| Pretax return on assets | 2.6265% | 168 |
| Return on Equity (ROE) | 7.9869% | 2,941 |
| Retained earnings to average equity (ytd only) | 2.0438% | 4,378 |
| Net charge-offs to loans | 0.1546% | 1,720 |
| Credit loss provision to net charge-offs | 284.5527% | 1,027 |
| Earnings coverage of net charge-offs (x) | 26.9287% | 1,532 |
| Efficiency ratio | 39.9213% | 5,783 |
| Assets per employee ($millions) | 13.1698% | 127 |
| Cash dividends to net income (ytd only)* | 74.4103% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 4,213 |
| Loan loss allowance to noncurrent loans | 86.4208% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 2,133 |
| Noncurrent loans to loans | 1.1773% | 1,744 |
| Net loans and leases to total assets | 70.0022% | 2,469 |
| Net loans and leases to deposits | 93.4086% | 1,258 |
| Net loans and leases to core deposits | 108.4103% | 997 |
| Total domestic deposits to total assets | 74.9419% | 5,362 |
| Equity capital to assets | 20.0217% | 206 |
| Core capital (leverage) ratio | 11.4037% | 2,004 |
| Tier 1 risk-based capital ratio | 11.7762% | 4,875 |
| Total risk-based capital ratio | 12.7183% | 4,980 |
| Memoranda: | ||
| Average total assets | $21,262,010,800 | 72 |
| Average earning assets | $18,184,089,200 | 76 |
| Average equity | $4,358,029,800 | 46 |
| Average total loans | $14,754,888,800 | 71 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4553% | 271 |
| Cost of funding earning assets | 0.1926% | 5,146 |
| Net interest margin | 5.2626% | 151 |
| Noninterest income to average assets | 0.4584% | 3,500 |
| Noninterest expense to average assets | 2.0403% | 5,128 |
| Loan and lease loss provision to assets | 0.2646% | 686 |
| Net operating income to assets | 1.6472% | 663 |
| Return on assets (ROA) | 1.6839% | 652 |
| Pretax return on assets | 2.7173% | 159 |
| Return on Equity (ROE) | 8.1663% | 2,928 |
| Retained earnings to average equity (ytd only) | 2.2254% | 4,584 |
| Net charge-offs to loans | 0.0828% | 2,139 |
| Credit loss provision to net charge-offs | 462.4614% | 756 |
| Earnings coverage of net charge-offs (x) | 51.1214% | 1,056 |
| Efficiency ratio | 39.3984% | 5,842 |
| Assets per employee ($millions) | 12.7346% | 137 |
| Cash dividends to net income (ytd only)* | 72.7485% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 4,383 |
| Loan loss allowance to noncurrent loans | 81.6817% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 0.9166% | 2,264 |
| Noncurrent loans to loans | 1.2290% | 1,828 |
| Net loans and leases to total assets | 68.6054% | 2,709 |
| Net loans and leases to deposits | 90.3983% | 1,704 |
| Net loans and leases to core deposits | 102.0356% | 1,477 |
| Total domestic deposits to total assets | 75.8924% | 5,249 |
| Equity capital to assets | 20.7678% | 205 |
| Core capital (leverage) ratio | 11.5420% | 1,993 |
| Tier 1 risk-based capital ratio | 12.2136% | 4,668 |
| Total risk-based capital ratio | 13.1486% | 4,749 |
| Memoranda: | ||
| Average total assets | $21,115,352,500 | 73 |
| Average earning assets | $18,081,402,500 | 76 |
| Average equity | $4,353,917,750 | 47 |
| Average total loans | $14,580,675,000 | 71 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4664% | 268 |
| Cost of funding earning assets | 0.2002% | 5,140 |
| Net interest margin | 5.2662% | 154 |
| Noninterest income to average assets | 0.4382% | 3,612 |
| Noninterest expense to average assets | 2.0422% | 5,188 |
| Loan and lease loss provision to assets | 0.3115% | 559 |
| Net operating income to assets | 1.6158% | 694 |
| Return on assets (ROA) | 1.6684% | 656 |
| Pretax return on assets | 2.6787% | 171 |
| Return on Equity (ROE) | 8.1110% | 2,934 |
| Retained earnings to average equity (ytd only) | 2.1567% | 4,489 |
| Net charge-offs to loans | 0.0641% | 2,282 |
| Credit loss provision to net charge-offs | 704.7476% | 499 |
| Earnings coverage of net charge-offs (x) | 65.7961% | 823 |
| Efficiency ratio | 39.5064% | 5,916 |
| Assets per employee ($millions) | 12.5956% | 132 |
| Cash dividends to net income (ytd only)* | 73.4097% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 4,619 |
| Loan loss allowance to noncurrent loans | 107.4478% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.7018% | 2,875 |
| Noncurrent loans to loans | 0.9109% | 2,461 |
| Net loans and leases to total assets | 68.7365% | 2,675 |
| Net loans and leases to deposits | 92.7838% | 1,419 |
| Net loans and leases to core deposits | 103.7723% | 1,335 |
| Total domestic deposits to total assets | 74.0824% | 5,508 |
| Equity capital to assets | 20.8249% | 192 |
| Core capital (leverage) ratio | 11.3849% | 2,076 |
| Tier 1 risk-based capital ratio | 12.1335% | 4,751 |
| Total risk-based capital ratio | 13.0565% | 4,847 |
| Memoranda: | ||
| Average total assets | $21,064,895,670 | 74 |
| Average earning assets | $18,048,122,000 | 76 |
| Average equity | $4,333,016,000 | 47 |
| Average total loans | $14,528,211,330 | 71 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4625% | 272 |
| Cost of funding earning assets | 0.2166% | 5,038 |
| Net interest margin | 5.2459% | 162 |
| Noninterest income to average assets | 0.4970% | 3,141 |
| Noninterest expense to average assets | 2.0497% | 5,221 |
| Loan and lease loss provision to assets | 0.3667% | 401 |
| Net operating income to assets | 1.6158% | 680 |
| Return on assets (ROA) | 1.7144% | 595 |
| Pretax return on assets | 2.7305% | 163 |
| Return on Equity (ROE) | 8.3866% | 2,710 |
| Retained earnings to average equity (ytd only) | 2.4387% | 4,283 |
| Net charge-offs to loans | 0.1121% | 1,453 |
| Credit loss provision to net charge-offs | 475.9556% | 633 |
| Earnings coverage of net charge-offs (x) | 38.2037% | 1,036 |
| Efficiency ratio | 39.2467% | 5,982 |
| Assets per employee ($millions) | 12.4872% | 138 |
| Cash dividends to net income (ytd only)* | 70.9212% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 5,055 |
| Loan loss allowance to noncurrent loans | 92.4561% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7439% | 2,847 |
| Noncurrent loans to loans | 0.9738% | 2,436 |
| Net loans and leases to total assets | 68.5528% | 2,569 |
| Net loans and leases to deposits | 90.4225% | 1,528 |
| Net loans and leases to core deposits | 102.4533% | 1,301 |
| Total domestic deposits to total assets | 75.8138% | 5,423 |
| Equity capital to assets | 20.6982% | 188 |
| Core capital (leverage) ratio | 11.1003% | 2,311 |
| Tier 1 risk-based capital ratio | 12.1839% | 4,786 |
| Total risk-based capital ratio | 13.0460% | 4,954 |
| Memoranda: | ||
| Average total assets | $21,054,867,500 | 74 |
| Average earning assets | $18,043,957,000 | 77 |
| Average equity | $4,304,060,000 | 47 |
| Average total loans | $14,474,162,500 | 71 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9682% | 140 |
| Cost of funding earning assets | 0.2851% | 4,413 |
| Net interest margin | 5.6831% | 96 |
| Noninterest income to average assets | 0.3154% | 4,637 |
| Noninterest expense to average assets | 2.1605% | 5,130 |
| Loan and lease loss provision to assets | 0.2290% | 872 |
| Net operating income to assets | 1.6774% | 604 |
| Return on assets (ROA) | 1.6912% | 605 |
| Pretax return on assets | 2.7816% | 140 |
| Return on Equity (ROE) | 8.1772% | 2,853 |
| Retained earnings to average equity (ytd only) | 2.2239% | 4,458 |
| Net charge-offs to loans | 0.0725% | 2,796 |
| Credit loss provision to net charge-offs | 435.0678% | 710 |
| Earnings coverage of net charge-offs (x) | 56.7898% | 905 |
| Efficiency ratio | 40.9044% | 6,048 |
| Assets per employee ($millions) | 12.7138% | 128 |
| Cash dividends to net income (ytd only)* | 72.8035% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 5,421 |
| Loan loss allowance to noncurrent loans | 81.8830% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 2,854 |
| Noncurrent loans to loans | 0.9714% | 2,391 |
| Net loans and leases to total assets | 67.7760% | 2,732 |
| Net loans and leases to deposits | 89.1909% | 1,722 |
| Net loans and leases to core deposits | 102.2713% | 1,345 |
| Total domestic deposits to total assets | 75.9898% | 5,442 |
| Equity capital to assets | 20.1891% | 206 |
| Core capital (leverage) ratio | 11.4028% | 2,042 |
| Tier 1 risk-based capital ratio | 12.0280% | 4,928 |
| Total risk-based capital ratio | 12.7987% | 5,129 |
| Memoranda: | ||
| Average total assets | $17,380,715,400 | 82 |
| Average earning assets | $14,784,341,000 | 84 |
| Average equity | $3,594,632,200 | 50 |
| Average total loans | $12,610,044,600 | 76 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1103% | 120 |
| Cost of funding earning assets | 0.3108% | 4,219 |
| Net interest margin | 5.7994% | 84 |
| Noninterest income to average assets | 0.2404% | 5,210 |
| Noninterest expense to average assets | 2.0332% | 5,416 |
| Loan and lease loss provision to assets | 0.2406% | 730 |
| Net operating income to assets | 1.7716% | 552 |
| Return on assets (ROA) | 1.7911% | 552 |
| Pretax return on assets | 2.9187% | 128 |
| Return on Equity (ROE) | 8.5942% | 2,782 |
| Retained earnings to average equity (ytd only) | 2.7536% | 4,465 |
| Net charge-offs to loans | 0.1189% | 1,930 |
| Credit loss provision to net charge-offs | 273.7557% | 1,058 |
| Earnings coverage of net charge-offs (x) | 35.6063% | 1,345 |
| Efficiency ratio | 38.6799% | 6,154 |
| Assets per employee ($millions) | 11.7495% | 155 |
| Cash dividends to net income (ytd only)* | 67.9594% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 5,440 |
| Loan loss allowance to noncurrent loans | 90.1002% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 2,814 |
| Noncurrent loans to loans | 0.9210% | 2,678 |
| Net loans and leases to total assets | 73.8664% | 1,757 |
| Net loans and leases to deposits | 98.4305% | 782 |
| Net loans and leases to core deposits | 117.4141% | 545 |
| Total domestic deposits to total assets | 75.0442% | 5,622 |
| Equity capital to assets | 20.7497% | 205 |
| Core capital (leverage) ratio | 11.5639% | 1,988 |
| Tier 1 risk-based capital ratio | 12.2469% | 4,929 |
| Total risk-based capital ratio | 13.0463% | 5,122 |
| Memoranda: | ||
| Average total assets | $16,430,600,750 | 85 |
| Average earning assets | $13,943,746,500 | 89 |
| Average equity | $3,424,220,500 | 51 |
| Average total loans | $12,144,840,500 | 77 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2444% | 101 |
| Cost of funding earning assets | 0.3182% | 4,184 |
| Net interest margin | 5.9261% | 77 |
| Noninterest income to average assets | 0.2859% | 4,917 |
| Noninterest expense to average assets | 2.0528% | 5,434 |
| Loan and lease loss provision to assets | 0.2608% | 649 |
| Net operating income to assets | 1.8314% | 483 |
| Return on assets (ROA) | 1.8556% | 482 |
| Pretax return on assets | 3.0333% | 133 |
| Return on Equity (ROE) | 8.8906% | 2,608 |
| Retained earnings to average equity (ytd only) | 3.3187% | 3,933 |
| Net charge-offs to loans | 0.1062% | 1,939 |
| Credit loss provision to net charge-offs | 333.1093% | 868 |
| Earnings coverage of net charge-offs (x) | 41.5836% | 1,104 |
| Efficiency ratio | 37.9733% | 6,238 |
| Assets per employee ($millions) | 11.5951% | 163 |
| Cash dividends to net income (ytd only)* | 62.6711% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 5,535 |
| Loan loss allowance to noncurrent loans | 69.5244% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 2,425 |
| Noncurrent loans to loans | 1.1884% | 2,275 |
| Net loans and leases to total assets | 72.0358% | 1,971 |
| Net loans and leases to deposits | 91.6267% | 1,408 |
| Net loans and leases to core deposits | 110.6462% | 798 |
| Total domestic deposits to total assets | 78.6188% | 5,171 |
| Equity capital to assets | 20.7801% | 193 |
| Core capital (leverage) ratio | 11.6472% | 1,888 |
| Tier 1 risk-based capital ratio | 12.5539% | 4,773 |
| Total risk-based capital ratio | 13.3494% | 4,974 |
| Memoranda: | ||
| Average total assets | $16,338,214,000 | 87 |
| Average earning assets | $13,848,803,670 | 91 |
| Average equity | $3,410,021,670 | 50 |
| Average total loans | $12,044,890,000 | 80 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2327% | 102 |
| Cost of funding earning assets | 0.3118% | 4,311 |
| Net interest margin | 5.9209% | 77 |
| Noninterest income to average assets | 0.2478% | 5,182 |
| Noninterest expense to average assets | 2.0171% | 5,547 |
| Loan and lease loss provision to assets | 0.3889% | 308 |
| Net operating income to assets | 1.7481% | 532 |
| Return on assets (ROA) | 1.7998% | 508 |
| Pretax return on assets | 2.9374% | 137 |
| Return on Equity (ROE) | 8.6039% | 2,646 |
| Retained earnings to average equity (ytd only) | 2.1232% | 4,613 |
| Net charge-offs to loans | 0.2607% | 922 |
| Credit loss provision to net charge-offs | 200.8273% | 1,039 |
| Earnings coverage of net charge-offs (x) | 16.7593% | 1,555 |
| Efficiency ratio | 37.6249% | 6,310 |
| Assets per employee ($millions) | 11.5747% | 167 |
| Cash dividends to net income (ytd only)* | 75.3229% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7541% | 5,801 |
| Loan loss allowance to noncurrent loans | 58.9673% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.1231% | 2,389 |
| Noncurrent loans to loans | 1.2789% | 2,239 |
| Net loans and leases to total assets | 73.8604% | 1,525 |
| Net loans and leases to deposits | 98.7581% | 634 |
| Net loans and leases to core deposits | 116.7416% | 498 |
| Total domestic deposits to total assets | 74.7892% | 5,846 |
| Equity capital to assets | 20.7195% | 198 |
| Core capital (leverage) ratio | 11.5316% | 1,976 |
| Tier 1 risk-based capital ratio | 12.0686% | 5,197 |
| Total risk-based capital ratio | 12.7950% | 5,443 |
| Memoranda: | ||
| Average total assets | $16,228,446,500 | 86 |
| Average earning assets | $13,745,329,000 | 91 |
| Average equity | $3,394,675,000 | 50 |
| Average total loans | $12,053,901,500 | 79 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8956% | 71 |
| Cost of funding earning assets | 0.2732% | 5,064 |
| Net interest margin | 6.6224% | 57 |
| Noninterest income to average assets | 0.1875% | 5,733 |
| Noninterest expense to average assets | 3.2275% | 2,138 |
| Loan and lease loss provision to assets | 0.1062% | 2,377 |
| Net operating income to assets | 1.4486% | 984 |
| Return on assets (ROA) | 1.4744% | 963 |
| Pretax return on assets | 2.5071% | 186 |
| Return on Equity (ROE) | 7.4714% | 3,390 |
| Retained earnings to average equity (ytd only) | 1.6942% | 4,968 |
| Net charge-offs to loans | 0.1201% | 2,837 |
| Credit loss provision to net charge-offs | 123.4094% | 1,941 |
| Earnings coverage of net charge-offs (x) | 29.8980% | 1,339 |
| Efficiency ratio | 53.4916% | 5,885 |
| Assets per employee ($millions) | 11.2580% | 175 |
| Cash dividends to net income (ytd only)* | 77.3238% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 5,967 |
| Loan loss allowance to noncurrent loans | 83.9121% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 0.8506% | 3,078 |
| Noncurrent loans to loans | 0.8487% | 3,190 |
| Net loans and leases to total assets | 73.5990% | 1,656 |
| Net loans and leases to deposits | 97.4143% | 797 |
| Net loans and leases to core deposits | 112.8919% | 643 |
| Total domestic deposits to total assets | 75.5525% | 5,801 |
| Equity capital to assets | 21.1224% | 186 |
| Core capital (leverage) ratio | 11.6965% | 1,829 |
| Tier 1 risk-based capital ratio | 12.4601% | 5,055 |
| Total risk-based capital ratio | 13.1576% | 5,333 |
| Memoranda: | ||
| Average total assets | $12,017,068,400 | 102 |
| Average earning assets | $10,185,416,800 | 105 |
| Average equity | $2,371,392,800 | 68 |
| Average total loans | $8,610,513,200 | 96 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0205% | 66 |
| Cost of funding earning assets | 0.2524% | 5,379 |
| Net interest margin | 6.7682% | 55 |
| Noninterest income to average assets | 0.1789% | 5,845 |
| Noninterest expense to average assets | 3.6427% | 1,220 |
| Loan and lease loss provision to assets | 0.1342% | 1,863 |
| Net operating income to assets | 1.2420% | 1,548 |
| Return on assets (ROA) | 1.2795% | 1,491 |
| Pretax return on assets | 2.2080% | 363 |
| Return on Equity (ROE) | 6.6539% | 3,876 |
| Retained earnings to average equity (ytd only) | 1.5584% | 5,265 |
| Net charge-offs to loans | 0.1920% | 1,929 |
| Credit loss provision to net charge-offs | 98.7893% | 2,264 |
| Earnings coverage of net charge-offs (x) | 16.8063% | 1,944 |
| Efficiency ratio | 58.7377% | 5,346 |
| Assets per employee ($millions) | 11.0864% | 174 |
| Cash dividends to net income (ytd only)* | 76.5791% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7072% | 6,090 |
| Loan loss allowance to noncurrent loans | 66.4476% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 0.9849% | 2,988 |
| Noncurrent loans to loans | 1.0643% | 2,946 |
| Net loans and leases to total assets | 73.3534% | 1,618 |
| Net loans and leases to deposits | 97.0260% | 790 |
| Net loans and leases to core deposits | 108.5093% | 823 |
| Total domestic deposits to total assets | 75.6018% | 5,864 |
| Equity capital to assets | 21.4155% | 173 |
| Core capital (leverage) ratio | 11.7422% | 1,872 |
| Tier 1 risk-based capital ratio | 12.7382% | 5,020 |
| Total risk-based capital ratio | 13.4366% | 5,292 |
| Memoranda: | ||
| Average total assets | $11,021,930,750 | 107 |
| Average earning assets | $9,359,657,750 | 108 |
| Average equity | $2,119,472,500 | 74 |
| Average total loans | $7,798,507,000 | 102 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1913% | 61 |
| Cost of funding earning assets | 0.2179% | 5,771 |
| Net interest margin | 6.9734% | 48 |
| Noninterest income to average assets | 0.1973% | 5,783 |
| Noninterest expense to average assets | 4.5686% | 420 |
| Loan and lease loss provision to assets | 0.1081% | 2,210 |
| Net operating income to assets | 0.8260% | 3,200 |
| Return on assets (ROA) | 0.8915% | 2,948 |
| Pretax return on assets | 1.5837% | 1,296 |
| Return on Equity (ROE) | 4.9462% | 4,699 |
| Retained earnings to average equity (ytd only) | -2.7870% | 6,076 |
| Net charge-offs to loans | 0.1530% | 2,169 |
| Credit loss provision to net charge-offs | 102.3195% | 1,941 |
| Earnings coverage of net charge-offs (x) | 15.0504% | 1,876 |
| Efficiency ratio | 70.5823% | 3,556 |
| Assets per employee ($millions) | 10.6786% | 196 |
| Cash dividends to net income (ytd only)* | 156.3462% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7376% | 6,117 |
| Loan loss allowance to noncurrent loans | 62.0801% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.1488% | 2,779 |
| Noncurrent loans to loans | 1.1881% | 2,854 |
| Net loans and leases to total assets | 71.8949% | 1,765 |
| Net loans and leases to deposits | 92.3598% | 1,112 |
| Net loans and leases to core deposits | 101.9361% | 1,136 |
| Total domestic deposits to total assets | 77.8421% | 5,666 |
| Equity capital to assets | 21.4533% | 160 |
| Core capital (leverage) ratio | 11.7115% | 1,843 |
| Tier 1 risk-based capital ratio | 12.5759% | 5,177 |
| Total risk-based capital ratio | 13.3155% | 5,435 |
| Memoranda: | ||
| Average total assets | $9,470,508,330 | 116 |
| Average earning assets | $8,095,336,330 | 116 |
| Average equity | $1,706,917,330 | 84 |
| Average total loans | $6,537,702,670 | 114 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1143% | 124 |
| Cost of funding earning assets | 0.0902% | 6,588 |
| Net interest margin | 6.0240% | 81 |
| Noninterest income to average assets | 0.1316% | 6,187 |
| Noninterest expense to average assets | 3.2106% | 2,198 |
| Loan and lease loss provision to assets | -0.0027% | 6,371 |
| Net operating income to assets | 1.4464% | 904 |
| Return on assets (ROA) | 1.6331% | 662 |
| Pretax return on assets | 2.5585% | 207 |
| Return on Equity (ROE) | 11.6840% | 1,500 |
| Retained earnings to average equity (ytd only) | -5.8806% | 6,172 |
| Net charge-offs to loans | 0.0765% | 2,384 |
| Credit loss provision to net charge-offs | -5.4321% | 4,656 |
| Earnings coverage of net charge-offs (x) | 45.5420% | 810 |
| Efficiency ratio | 57.1150% | 5,741 |
| Assets per employee ($millions) | 5.9545% | 1,335 |
| Cash dividends to net income (ytd only)* | 150.3307% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9506% | 1,625 |
| Loan loss allowance to noncurrent loans | 87.0292% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 2.1534% | 1,553 |
| Noncurrent loans to loans | 2.2413% | 1,610 |
| Net loans and leases to total assets | 62.7003% | 3,125 |
| Net loans and leases to deposits | 73.8040% | 3,096 |
| Net loans and leases to core deposits | 78.2663% | 3,174 |
| Total domestic deposits to total assets | 84.9551% | 3,891 |
| Equity capital to assets | 13.9920% | 917 |
| Core capital (leverage) ratio | 10.8760% | 2,514 |
| Tier 1 risk-based capital ratio | 14.9955% | 3,715 |
| Total risk-based capital ratio | 16.2539% | 3,656 |
| Memoranda: | ||
| Average total assets | $6,517,195,000 | 155 |
| Average earning assets | $5,780,503,000 | 152 |
| Average equity | $910,922,000 | 141 |
| Average total loans | $4,237,793,000 | 157 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6957% | 268 |
| Cost of funding earning assets | 0.1545% | 6,518 |
| Net interest margin | 5.5413% | 124 |
| Noninterest income to average assets | 0.0661% | 6,499 |
| Noninterest expense to average assets | 3.7932% | 1,148 |
| Loan and lease loss provision to assets | -0.0910% | 6,467 |
| Net operating income to assets | 0.7448% | 3,581 |
| Return on assets (ROA) | 0.7462% | 3,665 |
| Pretax return on assets | 1.2989% | 2,159 |
| Return on Equity (ROE) | 5.6902% | 4,277 |
| Retained earnings to average equity (ytd only) | -0.2984% | 5,938 |
| Net charge-offs to loans | 0.1082% | 3,747 |
| Credit loss provision to net charge-offs | -127.3747% | 5,922 |
| Earnings coverage of net charge-offs (x) | 16.8670% | 1,764 |
| Efficiency ratio | 74.1139% | 3,112 |
| Assets per employee ($millions) | 5.8900% | 1,345 |
| Cash dividends to net income (ytd only)* | 105.2447% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9017% | 1,777 |
| Loan loss allowance to noncurrent loans | 83.1709% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.3057% | 1,525 |
| Noncurrent loans to loans | 2.2865% | 1,690 |
| Net loans and leases to total assets | 64.8420% | 2,900 |
| Net loans and leases to deposits | 77.9573% | 2,725 |
| Net loans and leases to core deposits | 82.3638% | 2,857 |
| Total domestic deposits to total assets | 83.1764% | 4,479 |
| Equity capital to assets | 13.9624% | 910 |
| Core capital (leverage) ratio | 10.7882% | 2,586 |
| Tier 1 risk-based capital ratio | 14.5445% | 3,933 |
| Total risk-based capital ratio | 15.8024% | 3,861 |
| Memoranda: | ||
| Average total assets | $6,112,374,200 | 157 |
| Average earning assets | $5,441,148,200 | 153 |
| Average equity | $801,524,000 | 147 |
| Average total loans | $4,036,245,200 | 159 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6258% | 306 |
| Cost of funding earning assets | 0.1710% | 6,547 |
| Net interest margin | 5.4548% | 145 |
| Noninterest income to average assets | 0.1290% | 6,373 |
| Noninterest expense to average assets | 3.6510% | 1,324 |
| Loan and lease loss provision to assets | -0.0866% | 6,607 |
| Net operating income to assets | 0.9025% | 2,823 |
| Return on assets (ROA) | 0.9082% | 2,898 |
| Pretax return on assets | 1.4371% | 1,808 |
| Return on Equity (ROE) | 7.0500% | 3,618 |
| Retained earnings to average equity (ytd only) | 0.8495% | 5,642 |
| Net charge-offs to loans | 0.1439% | 3,104 |
| Credit loss provision to net charge-offs | -91.1682% | 5,770 |
| Earnings coverage of net charge-offs (x) | 14.1257% | 1,968 |
| Efficiency ratio | 71.3646% | 3,542 |
| Assets per employee ($millions) | 5.9329% | 1,285 |
| Cash dividends to net income (ytd only)* | 87.9507% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 1,969 |
| Loan loss allowance to noncurrent loans | 84.8088% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 2.3417% | 1,681 |
| Noncurrent loans to loans | 2.2533% | 1,950 |
| Net loans and leases to total assets | 65.0703% | 2,788 |
| Net loans and leases to deposits | 76.4603% | 2,886 |
| Net loans and leases to core deposits | 81.1060% | 2,992 |
| Total domestic deposits to total assets | 85.1034% | 3,685 |
| Equity capital to assets | 13.7085% | 1,048 |
| Core capital (leverage) ratio | 10.5336% | 2,971 |
| Tier 1 risk-based capital ratio | 14.2737% | 4,234 |
| Total risk-based capital ratio | 15.5320% | 4,172 |
| Memoranda: | ||
| Average total assets | $6,008,945,500 | 158 |
| Average earning assets | $5,357,482,250 | 156 |
| Average equity | $774,105,000 | 150 |
| Average total loans | $3,966,885,750 | 159 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4168% | 436 |
| Cost of funding earning assets | 0.1949% | 6,499 |
| Net interest margin | 5.2219% | 203 |
| Noninterest income to average assets | 0.1416% | 6,343 |
| Noninterest expense to average assets | 3.7066% | 1,238 |
| Loan and lease loss provision to assets | 0.0287% | 4,353 |
| Net operating income to assets | 0.6941% | 3,831 |
| Return on assets (ROA) | 0.7031% | 3,964 |
| Pretax return on assets | 1.0971% | 3,105 |
| Return on Equity (ROE) | 5.5935% | 4,406 |
| Retained earnings to average equity (ytd only) | -0.9806% | 6,049 |
| Net charge-offs to loans | 0.1129% | 3,233 |
| Credit loss provision to net charge-offs | 38.6574% | 3,443 |
| Earnings coverage of net charge-offs (x) | 14.9491% | 1,785 |
| Efficiency ratio | 75.1686% | 2,924 |
| Assets per employee ($millions) | 6.0050% | 1,197 |
| Cash dividends to net income (ytd only)* | 117.5318% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0501% | 1,741 |
| Loan loss allowance to noncurrent loans | 99.3391% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 2.3247% | 1,857 |
| Noncurrent loans to loans | 2.0638% | 2,319 |
| Net loans and leases to total assets | 64.6214% | 2,820 |
| Net loans and leases to deposits | 75.5382% | 2,943 |
| Net loans and leases to core deposits | 80.3817% | 2,983 |
| Total domestic deposits to total assets | 85.5479% | 3,616 |
| Equity capital to assets | 13.2875% | 1,226 |
| Core capital (leverage) ratio | 12.0514% | 1,586 |
| Tier 1 risk-based capital ratio | 14.1553% | 4,321 |
| Total risk-based capital ratio | 15.4154% | 4,270 |
| Memoranda: | ||
| Average total assets | $5,808,841,670 | 160 |
| Average earning assets | $5,202,381,330 | 157 |
| Average equity | $730,130,330 | 153 |
| Average total loans | $3,827,697,000 | 160 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7178% | 265 |
| Cost of funding earning assets | 0.2305% | 6,411 |
| Net interest margin | 5.4873% | 122 |
| Noninterest income to average assets | 0.2334% | 5,787 |
| Noninterest expense to average assets | 3.2783% | 2,133 |
| Loan and lease loss provision to assets | 0.1997% | 1,863 |
| Net operating income to assets | 1.0815% | 1,930 |
| Return on assets (ROA) | 1.1010% | 1,954 |
| Pretax return on assets | 1.7446% | 987 |
| Return on Equity (ROE) | 9.0837% | 2,450 |
| Retained earnings to average equity (ytd only) | 1.6986% | 5,133 |
| Net charge-offs to loans | 0.0143% | 3,860 |
| Credit loss provision to net charge-offs | 2,124.6032% | 160 |
| Earnings coverage of net charge-offs (x) | 203.6270% | 196 |
| Efficiency ratio | 61.4507% | 5,382 |
| Assets per employee ($millions) | 5.3271% | 1,832 |
| Cash dividends to net income (ytd only)* | 81.3008% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7241% | 889 |
| Loan loss allowance to noncurrent loans | 107.1486% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 2.6801% | 1,696 |
| Noncurrent loans to loans | 2.5423% | 2,031 |
| Net loans and leases to total assets | 63.9350% | 2,719 |
| Net loans and leases to deposits | 73.6756% | 2,964 |
| Net loans and leases to core deposits | 77.4798% | 3,133 |
| Total domestic deposits to total assets | 86.7790% | 3,085 |
| Equity capital to assets | 12.3175% | 1,830 |
| Core capital (leverage) ratio | 10.1457% | 3,224 |
| Tier 1 risk-based capital ratio | 14.5112% | 4,167 |
| Total risk-based capital ratio | 15.7797% | 4,119 |
| Memoranda: | ||
| Average total assets | $5,362,454,000 | 168 |
| Average earning assets | $4,845,939,500 | 167 |
| Average equity | $649,957,000 | 167 |
| Average total loans | $3,530,885,500 | 168 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0535% | 246 |
| Cost of funding earning assets | 0.3256% | 6,331 |
| Net interest margin | 5.7279% | 123 |
| Noninterest income to average assets | 0.1377% | 6,347 |
| Noninterest expense to average assets | 3.6244% | 1,554 |
| Loan and lease loss provision to assets | -0.1942% | 6,977 |
| Net operating income to assets | 1.1231% | 1,863 |
| Return on assets (ROA) | 1.1245% | 2,023 |
| Pretax return on assets | 1.8569% | 816 |
| Return on Equity (ROE) | 9.5461% | 2,386 |
| Retained earnings to average equity (ytd only) | 1.7486% | 4,983 |
| Net charge-offs to loans | 0.3940% | 2,680 |
| Credit loss provision to net charge-offs | -75.2242% | 6,305 |
| Earnings coverage of net charge-offs (x) | 6.4334% | 2,813 |
| Efficiency ratio | 66.3819% | 4,428 |
| Assets per employee ($millions) | 5.4952% | 1,689 |
| Cash dividends to net income (ytd only)* | 81.6820% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5603% | 1,062 |
| Loan loss allowance to noncurrent loans | 112.1137% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 2.5423% | 1,914 |
| Noncurrent loans to loans | 2.2837% | 2,371 |
| Net loans and leases to total assets | 64.2713% | 2,852 |
| Net loans and leases to deposits | 73.8430% | 3,112 |
| Net loans and leases to core deposits | 77.5562% | 3,324 |
| Total domestic deposits to total assets | 87.0378% | 2,828 |
| Equity capital to assets | 11.9296% | 2,088 |
| Core capital (leverage) ratio | 9.7842% | 3,679 |
| Tier 1 risk-based capital ratio | 14.0979% | 4,311 |
| Total risk-based capital ratio | 15.3649% | 4,257 |
| Memoranda: | ||
| Average total assets | $5,443,508,400 | 167 |
| Average earning assets | $4,891,652,600 | 162 |
| Average equity | $641,237,600 | 163 |
| Average total loans | $3,566,440,200 | 160 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0717% | 260 |
| Cost of funding earning assets | 0.3456% | 6,400 |
| Net interest margin | 5.7261% | 136 |
| Noninterest income to average assets | 0.1499% | 6,400 |
| Noninterest expense to average assets | 3.7798% | 1,247 |
| Loan and lease loss provision to assets | -0.1442% | 7,067 |
| Net operating income to assets | 0.9970% | 2,526 |
| Return on assets (ROA) | 0.9796% | 2,839 |
| Pretax return on assets | 1.6251% | 1,491 |
| Return on Equity (ROE) | 8.3421% | 3,108 |
| Retained earnings to average equity (ytd only) | 3.3355% | 4,522 |
| Net charge-offs to loans | 0.4065% | 2,471 |
| Credit loss provision to net charge-offs | -54.2239% | 6,186 |
| Earnings coverage of net charge-offs (x) | 5.6721% | 2,958 |
| Efficiency ratio | 69.0926% | 3,864 |
| Assets per employee ($millions) | 5.5796% | 1,556 |
| Cash dividends to net income (ytd only)* | 60.0165% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7358% | 948 |
| Loan loss allowance to noncurrent loans | 123.1861% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 2.6206% | 2,013 |
| Noncurrent loans to loans | 2.2209% | 2,591 |
| Net loans and leases to total assets | 64.2630% | 2,985 |
| Net loans and leases to deposits | 73.9279% | 3,290 |
| Net loans and leases to core deposits | 77.9248% | 3,473 |
| Total domestic deposits to total assets | 86.9266% | 2,718 |
| Equity capital to assets | 11.9608% | 2,295 |
| Core capital (leverage) ratio | 9.6369% | 4,064 |
| Tier 1 risk-based capital ratio | 14.2496% | 4,350 |
| Total risk-based capital ratio | 15.5192% | 4,306 |
| Memoranda: | ||
| Average total assets | $5,442,946,500 | 166 |
| Average earning assets | $4,883,994,500 | 163 |
| Average equity | $639,133,000 | 163 |
| Average total loans | $3,560,043,500 | 161 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0673% | 273 |
| Cost of funding earning assets | 0.3772% | 6,393 |
| Net interest margin | 5.6900% | 136 |
| Noninterest income to average assets | 0.2161% | 6,020 |
| Noninterest expense to average assets | 4.0447% | 892 |
| Loan and lease loss provision to assets | -0.1420% | 7,126 |
| Net operating income to assets | 0.8614% | 3,078 |
| Return on assets (ROA) | 0.8350% | 3,482 |
| Pretax return on assets | 1.3731% | 2,313 |
| Return on Equity (ROE) | 7.1566% | 3,697 |
| Retained earnings to average equity (ytd only) | 2.0929% | 5,153 |
| Net charge-offs to loans | 0.5222% | 2,020 |
| Credit loss provision to net charge-offs | -41.7119% | 5,992 |
| Earnings coverage of net charge-offs (x) | 3.7377% | 3,287 |
| Efficiency ratio | 73.6596% | 3,132 |
| Assets per employee ($millions) | 5.3201% | 1,802 |
| Cash dividends to net income (ytd only)* | 70.7558% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9697% | 807 |
| Loan loss allowance to noncurrent loans | 97.3363% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 3.3783% | 1,590 |
| Noncurrent loans to loans | 3.0510% | 1,928 |
| Net loans and leases to total assets | 63.7711% | 3,085 |
| Net loans and leases to deposits | 73.4397% | 3,392 |
| Net loans and leases to core deposits | 77.2427% | 3,623 |
| Total domestic deposits to total assets | 86.8346% | 2,874 |
| Equity capital to assets | 12.1143% | 2,059 |
| Core capital (leverage) ratio | 10.1320% | 3,219 |
| Tier 1 risk-based capital ratio | 15.0335% | 3,753 |
| Total risk-based capital ratio | 16.3060% | 3,692 |
| Memoranda: | ||
| Average total assets | $5,415,982,330 | 166 |
| Average earning assets | $4,855,222,670 | 164 |
| Average equity | $631,946,330 | 163 |
| Average total loans | $3,530,182,000 | 162 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0653% | 278 |
| Cost of funding earning assets | 0.4508% | 6,139 |
| Net interest margin | 5.6145% | 158 |
| Noninterest income to average assets | 0.1224% | 6,641 |
| Noninterest expense to average assets | 4.8278% | 414 |
| Loan and lease loss provision to assets | -0.3344% | 7,238 |
| Net operating income to assets | 0.4252% | 5,140 |
| Return on assets (ROA) | 0.4252% | 5,329 |
| Pretax return on assets | 0.6634% | 4,901 |
| Return on Equity (ROE) | 3.7131% | 5,421 |
| Retained earnings to average equity (ytd only) | -1.3935% | 6,208 |
| Net charge-offs to loans | 0.1617% | 3,119 |
| Credit loss provision to net charge-offs | -318.5237% | 5,697 |
| Earnings coverage of net charge-offs (x) | 3.1344% | 2,951 |
| Efficiency ratio | 91.1603% | 1,002 |
| Assets per employee ($millions) | 5.5871% | 1,624 |
| Cash dividends to net income (ytd only)* | 137.5279% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1045% | 759 |
| Loan loss allowance to noncurrent loans | 98.6027% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 3.4662% | 1,660 |
| Noncurrent loans to loans | 3.1485% | 2,038 |
| Net loans and leases to total assets | 63.5506% | 2,935 |
| Net loans and leases to deposits | 75.5146% | 2,886 |
| Net loans and leases to core deposits | 79.9423% | 3,077 |
| Total domestic deposits to total assets | 84.1567% | 4,420 |
| Equity capital to assets | 11.5601% | 2,388 |
| Core capital (leverage) ratio | 9.7644% | 3,693 |
| Tier 1 risk-based capital ratio | 14.5994% | 4,021 |
| Total risk-based capital ratio | 15.8741% | 3,963 |
| Memoranda: | ||
| Average total assets | $5,471,919,500 | 164 |
| Average earning assets | $4,906,571,500 | 162 |
| Average equity | $626,643,000 | 164 |
| Average total loans | $3,552,268,000 | 160 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0803% | 378 |
| Cost of funding earning assets | 0.5708% | 6,238 |
| Net interest margin | 5.5095% | 171 |
| Noninterest income to average assets | 0.4354% | 4,329 |
| Noninterest expense to average assets | 3.0543% | 3,375 |
| Loan and lease loss provision to assets | 0.4347% | 2,426 |
| Net operating income to assets | 1.0618% | 1,954 |
| Return on assets (ROA) | 1.0615% | 2,098 |
| Pretax return on assets | 1.8380% | 748 |
| Return on Equity (ROE) | 9.6080% | 2,207 |
| Retained earnings to average equity (ytd only) | 5.3877% | 2,383 |
| Net charge-offs to loans | 1.0271% | 1,696 |
| Credit loss provision to net charge-offs | 60.7979% | 5,149 |
| Earnings coverage of net charge-offs (x) | 3.1794% | 3,623 |
| Efficiency ratio | 54.4379% | 6,471 |
| Assets per employee ($millions) | 6.0651% | 1,184 |
| Cash dividends to net income (ytd only)* | 43.9246% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2909% | 628 |
| Loan loss allowance to noncurrent loans | 93.3764% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 3.7506% | 1,552 |
| Noncurrent loans to loans | 3.5243% | 1,821 |
| Net loans and leases to total assets | 62.1448% | 3,577 |
| Net loans and leases to deposits | 74.2476% | 3,455 |
| Net loans and leases to core deposits | 78.7812% | 3,592 |
| Total domestic deposits to total assets | 83.6995% | 4,448 |
| Equity capital to assets | 11.3455% | 2,644 |
| Core capital (leverage) ratio | 9.7302% | 3,701 |
| Tier 1 risk-based capital ratio | 14.9466% | 3,671 |
| Total risk-based capital ratio | 16.2248% | 3,612 |
| Memoranda: | ||
| Average total assets | $5,469,305,200 | 157 |
| Average earning assets | $4,856,368,600 | 157 |
| Average equity | $604,228,000 | 167 |
| Average total loans | $3,807,166,200 | 148 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1909% | 329 |
| Cost of funding earning assets | 0.6025% | 6,277 |
| Net interest margin | 5.5884% | 156 |
| Noninterest income to average assets | 0.3996% | 4,672 |
| Noninterest expense to average assets | 3.0265% | 3,458 |
| Loan and lease loss provision to assets | 0.5300% | 1,866 |
| Net operating income to assets | 1.0426% | 2,165 |
| Return on assets (ROA) | 1.0421% | 2,319 |
| Pretax return on assets | 1.7897% | 975 |
| Return on Equity (ROE) | 9.4974% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.4974% | 985 |
| Net charge-offs to loans | 1.1778% | 1,338 |
| Credit loss provision to net charge-offs | 63.4166% | 4,692 |
| Earnings coverage of net charge-offs (x) | 2.7764% | 3,743 |
| Efficiency ratio | 53.5907% | 6,534 |
| Assets per employee ($millions) | 5.8486% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2404% | 695 |
| Loan loss allowance to noncurrent loans | 89.8487% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 3.8950% | 1,584 |
| Noncurrent loans to loans | 3.6065% | 1,905 |
| Net loans and leases to total assets | 65.0598% | 3,094 |
| Net loans and leases to deposits | 77.9258% | 3,013 |
| Net loans and leases to core deposits | 83.0143% | 3,190 |
| Total domestic deposits to total assets | 83.4895% | 4,484 |
| Equity capital to assets | 11.5878% | 2,603 |
| Core capital (leverage) ratio | 9.8500% | 3,649 |
| Tier 1 risk-based capital ratio | 14.6260% | 3,885 |
| Total risk-based capital ratio | 15.9036% | 3,841 |
| Memoranda: | ||
| Average total assets | $5,458,345,750 | 157 |
| Average earning assets | $4,832,156,250 | 159 |
| Average equity | $598,911,500 | 171 |
| Average total loans | $3,873,278,000 | 146 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3148% | 276 |
| Cost of funding earning assets | 0.6230% | 6,352 |
| Net interest margin | 5.6918% | 131 |
| Noninterest income to average assets | 0.5720% | 3,322 |
| Noninterest expense to average assets | 3.0609% | 3,389 |
| Loan and lease loss provision to assets | 0.7943% | 1,160 |
| Net operating income to assets | 1.0084% | 2,193 |
| Return on assets (ROA) | 1.0077% | 2,295 |
| Pretax return on assets | 1.7375% | 978 |
| Return on Equity (ROE) | 9.3598% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.3598% | 997 |
| Net charge-offs to loans | 1.2323% | 1,270 |
| Credit loss provision to net charge-offs | 89.2710% | 3,473 |
| Earnings coverage of net charge-offs (x) | 2.8465% | 3,422 |
| Efficiency ratio | 51.6932% | 6,812 |
| Assets per employee ($millions) | 5.6921% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4460% | 621 |
| Loan loss allowance to noncurrent loans | 90.1527% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 4.3983% | 1,433 |
| Noncurrent loans to loans | 3.8224% | 1,821 |
| Net loans and leases to total assets | 67.3594% | 2,751 |
| Net loans and leases to deposits | 80.3839% | 2,725 |
| Net loans and leases to core deposits | 85.7367% | 2,946 |
| Total domestic deposits to total assets | 83.7972% | 4,433 |
| Equity capital to assets | 11.2676% | 2,709 |
| Core capital (leverage) ratio | 9.5967% | 3,806 |
| Tier 1 risk-based capital ratio | 14.2888% | 3,947 |
| Total risk-based capital ratio | 15.5698% | 3,898 |
| Memoranda: | ||
| Average total assets | $5,451,087,000 | 160 |
| Average earning assets | $4,809,462,000 | 161 |
| Average equity | $586,873,330 | 173 |
| Average total loans | $3,936,118,670 | 146 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1648% | 351 |
| Cost of funding earning assets | 0.6358% | 6,447 |
| Net interest margin | 5.5290% | 157 |
| Noninterest income to average assets | 0.7453% | 2,282 |
| Noninterest expense to average assets | 3.0383% | 3,493 |
| Loan and lease loss provision to assets | 0.9875% | 784 |
| Net operating income to assets | 0.9277% | 2,454 |
| Return on assets (ROA) | 0.9277% | 2,513 |
| Pretax return on assets | 1.6005% | 1,190 |
| Return on Equity (ROE) | 8.8181% | 2,548 |
| Retained earnings to average equity (ytd only) | 8.8181% | 1,442 |
| Net charge-offs to loans | 1.7341% | 758 |
| Credit loss provision to net charge-offs | 77.5799% | 3,206 |
| Earnings coverage of net charge-offs (x) | 2.0331% | 3,284 |
| Efficiency ratio | 51.0113% | 6,921 |
| Assets per employee ($millions) | 5.8596% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2425% | 751 |
| Loan loss allowance to noncurrent loans | 72.2424% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 4.9066% | 1,290 |
| Noncurrent loans to loans | 4.4884% | 1,560 |
| Net loans and leases to total assets | 70.0174% | 2,125 |
| Net loans and leases to deposits | 82.9121% | 2,195 |
| Net loans and leases to core deposits | 88.6655% | 2,523 |
| Total domestic deposits to total assets | 84.4478% | 4,297 |
| Equity capital to assets | 10.7129% | 2,975 |
| Core capital (leverage) ratio | 9.0247% | 4,576 |
| Tier 1 risk-based capital ratio | 13.2212% | 4,648 |
| Total risk-based capital ratio | 14.5005% | 4,598 |
| Memoranda: | ||
| Average total assets | $5,487,134,000 | 159 |
| Average earning assets | $4,844,068,500 | 160 |
| Average equity | $577,268,000 | 174 |
| Average total loans | $4,027,891,500 | 144 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0641% | 751 |
| Cost of funding earning assets | 0.7387% | 6,767 |
| Net interest margin | 5.3254% | 229 |
| Noninterest income to average assets | 0.6931% | 2,881 |
| Noninterest expense to average assets | 3.1050% | 3,436 |
| Loan and lease loss provision to assets | 4.0505% | 157 |
| Net operating income to assets | -0.9800% | 6,669 |
| Return on assets (ROA) | -0.9904% | 6,718 |
| Pretax return on assets | -1.7406% | 6,939 |
| Return on Equity (ROE) | -9.2785% | 6,696 |
| Retained earnings to average equity (ytd only) | -9.2785% | 6,619 |
| Net charge-offs to loans | 5.4485% | 138 |
| Credit loss provision to net charge-offs | 97.8449% | 4,739 |
| Earnings coverage of net charge-offs (x) | 0.5619% | 5,548 |
| Efficiency ratio | 53.8702% | 6,820 |
| Assets per employee ($millions) | 5.8279% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2111% | 725 |
| Loan loss allowance to noncurrent loans | 87.0331% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 4.2215% | 1,585 |
| Noncurrent loans to loans | 3.6895% | 2,013 |
| Net loans and leases to total assets | 72.0461% | 2,099 |
| Net loans and leases to deposits | 84.9759% | 2,285 |
| Net loans and leases to core deposits | 92.1580% | 2,482 |
| Total domestic deposits to total assets | 84.7842% | 3,952 |
| Equity capital to assets | 10.3301% | 3,351 |
| Core capital (leverage) ratio | 8.5051% | 5,351 |
| Tier 1 risk-based capital ratio | 12.7131% | 4,853 |
| Total risk-based capital ratio | 13.9926% | 4,796 |
| Memoranda: | ||
| Average total assets | $5,380,161,400 | 162 |
| Average earning assets | $4,786,908,400 | 160 |
| Average equity | $574,305,800 | 173 |
| Average total loans | $4,087,835,000 | 142 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9434% | 1,047 |
| Cost of funding earning assets | 0.7618% | 6,876 |
| Net interest margin | 5.1816% | 309 |
| Noninterest income to average assets | 0.8507% | 1,997 |
| Noninterest expense to average assets | 3.0065% | 3,718 |
| Loan and lease loss provision to assets | 4.5256% | 121 |
| Net operating income to assets | -1.1731% | 6,977 |
| Return on assets (ROA) | -1.1871% | 7,013 |
| Pretax return on assets | -2.0847% | 7,221 |
| Return on Equity (ROE) | -11.0290% | 6,969 |
| Retained earnings to average equity (ytd only) | -11.0290% | 6,926 |
| Net charge-offs to loans | 5.9266% | 106 |
| Credit loss provision to net charge-offs | 99.9763% | 4,365 |
| Earnings coverage of net charge-offs (x) | 0.5440% | 5,482 |
| Efficiency ratio | 51.6509% | 7,014 |
| Assets per employee ($millions) | 5.8250% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1579% | 728 |
| Loan loss allowance to noncurrent loans | 63.6519% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 5.1392% | 1,244 |
| Noncurrent loans to loans | 4.9611% | 1,403 |
| Net loans and leases to total assets | 73.1258% | 1,992 |
| Net loans and leases to deposits | 86.7489% | 2,194 |
| Net loans and leases to core deposits | 95.1943% | 2,356 |
| Total domestic deposits to total assets | 84.2960% | 3,963 |
| Equity capital to assets | 10.1598% | 3,935 |
| Core capital (leverage) ratio | 9.0368% | 4,629 |
| Tier 1 risk-based capital ratio | 12.4386% | 5,042 |
| Total risk-based capital ratio | 13.7172% | 4,987 |
| Memoranda: | ||
| Average total assets | $5,345,449,250 | 163 |
| Average earning assets | $4,764,503,500 | 160 |
| Average equity | $575,352,750 | 172 |
| Average total loans | $4,082,756,500 | 141 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8784% | 1,236 |
| Cost of funding earning assets | 0.8017% | 6,915 |
| Net interest margin | 5.0767% | 361 |
| Noninterest income to average assets | 0.9062% | 1,668 |
| Noninterest expense to average assets | 2.9934% | 3,739 |
| Loan and lease loss provision to assets | 6.0102% | 73 |
| Net operating income to assets | -2.0424% | 7,317 |
| Return on assets (ROA) | -2.0424% | 7,327 |
| Pretax return on assets | -3.5529% | 7,552 |
| Return on Equity (ROE) | -18.5939% | 7,245 |
| Retained earnings to average equity (ytd only) | -18.5939% | 7,218 |
| Net charge-offs to loans | 8.3551% | 54 |
| Credit loss provision to net charge-offs | 93.7921% | 4,300 |
| Earnings coverage of net charge-offs (x) | 0.3835% | 5,353 |
| Efficiency ratio | 51.5076% | 7,116 |
| Assets per employee ($millions) | 5.6134% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3456% | 617 |
| Loan loss allowance to noncurrent loans | 59.8438% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 5.1232% | 1,239 |
| Noncurrent loans to loans | 5.5905% | 1,177 |
| Net loans and leases to total assets | 70.9868% | 2,662 |
| Net loans and leases to deposits | 85.7913% | 2,542 |
| Net loans and leases to core deposits | 93.8251% | 2,740 |
| Total domestic deposits to total assets | 82.7436% | 4,672 |
| Equity capital to assets | 11.1482% | 2,730 |
| Core capital (leverage) ratio | 10.4182% | 2,697 |
| Tier 1 risk-based capital ratio | 14.4827% | 3,454 |
| Total risk-based capital ratio | 15.7610% | 3,404 |
| Memoranda: | ||
| Average total assets | $5,216,681,330 | 166 |
| Average earning assets | $4,669,828,670 | 163 |
| Average equity | $573,025,330 | 171 |
| Average total loans | $4,000,986,330 | 141 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8826% | 1,241 |
| Cost of funding earning assets | 0.8148% | 7,040 |
| Net interest margin | 5.0678% | 365 |
| Noninterest income to average assets | 0.8980% | 1,632 |
| Noninterest expense to average assets | 2.8873% | 4,114 |
| Loan and lease loss provision to assets | 10.1690% | 26 |
| Net operating income to assets | -4.4214% | 7,743 |
| Return on assets (ROA) | -4.4214% | 7,750 |
| Pretax return on assets | -7.6333% | 7,852 |
| Return on Equity (ROE) | -40.5471% | 7,655 |
| Retained earnings to average equity (ytd only) | -40.5471% | 7,639 |
| Net charge-offs to loans | 14.7923% | 21 |
| Credit loss provision to net charge-offs | 87.8116% | 3,709 |
| Earnings coverage of net charge-offs (x) | 0.2190% | 4,845 |
| Efficiency ratio | 49.8393% | 7,327 |
| Assets per employee ($millions) | 5.7191% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0471% | 788 |
| Loan loss allowance to noncurrent loans | 118.2704% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 2.9842% | 2,408 |
| Noncurrent loans to loans | 2.5764% | 3,095 |
| Net loans and leases to total assets | 72.4083% | 2,354 |
| Net loans and leases to deposits | 89.7380% | 1,935 |
| Net loans and leases to core deposits | 97.4713% | 2,396 |
| Total domestic deposits to total assets | 80.6885% | 5,564 |
| Equity capital to assets | 10.7821% | 2,969 |
| Core capital (leverage) ratio | 9.9744% | 3,196 |
| Tier 1 risk-based capital ratio | 13.7042% | 3,861 |
| Total risk-based capital ratio | 14.9792% | 3,797 |
| Memoranda: | ||
| Average total assets | $5,254,093,000 | 168 |
| Average earning assets | $4,691,382,000 | 164 |
| Average equity | $572,924,500 | 172 |
| Average total loans | $4,113,289,000 | 141 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1436% | 1,393 |
| Cost of funding earning assets | 1.0786% | 7,035 |
| Net interest margin | 5.0651% | 400 |
| Noninterest income to average assets | 1.7858% | 460 |
| Noninterest expense to average assets | 2.9569% | 4,320 |
| Loan and lease loss provision to assets | 3.2931% | 486 |
| Net operating income to assets | 0.1094% | 5,185 |
| Return on assets (ROA) | 0.1094% | 5,233 |
| Pretax return on assets | 0.1264% | 5,164 |
| Return on Equity (ROE) | 0.9856% | 5,238 |
| Retained earnings to average equity (ytd only) | 0.9856% | 4,345 |
| Net charge-offs to loans | 2.0915% | 1,169 |
| Credit loss provision to net charge-offs | 184.7081% | 2,212 |
| Earnings coverage of net charge-offs (x) | 1.9180% | 4,285 |
| Efficiency ratio | 43.2833% | 7,797 |
| Assets per employee ($millions) | 5.8027% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1442% | 683 |
| Loan loss allowance to noncurrent loans | 56.9260% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 5.8532% | 972 |
| Noncurrent loans to loans | 5.5232% | 1,163 |
| Net loans and leases to total assets | 79.2356% | 1,142 |
| Net loans and leases to deposits | 101.7262% | 771 |
| Net loans and leases to core deposits | 117.7631% | 2,157 |
| Total domestic deposits to total assets | 77.8910% | 6,245 |
| Equity capital to assets | 11.0238% | 2,696 |
| Core capital (leverage) ratio | 10.2316% | 2,847 |
| Tier 1 risk-based capital ratio | 13.5223% | 3,807 |
| Total risk-based capital ratio | 14.7990% | 3,738 |
| Memoranda: | ||
| Average total assets | $4,846,827,200 | 177 |
| Average earning assets | $4,392,720,400 | 174 |
| Average equity | $538,155,400 | 174 |
| Average total loans | $4,131,526,600 | 141 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0209% | 1,951 |
| Cost of funding earning assets | 1.1033% | 7,169 |
| Net interest margin | 4.9175% | 527 |
| Noninterest income to average assets | 1.9413% | 395 |
| Noninterest expense to average assets | 2.9726% | 4,155 |
| Loan and lease loss provision to assets | 2.9954% | 497 |
| Net operating income to assets | 0.2895% | 4,823 |
| Return on assets (ROA) | 0.2895% | 4,934 |
| Pretax return on assets | 0.4469% | 4,674 |
| Return on Equity (ROE) | 2.6022% | 4,948 |
| Retained earnings to average equity (ytd only) | 2.6022% | 3,863 |
| Net charge-offs to loans | 1.8052% | 1,122 |
| Credit loss provision to net charge-offs | 192.4861% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.2120% | 4,161 |
| Efficiency ratio | 43.1786% | 7,858 |
| Assets per employee ($millions) | 5.8444% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5519% | 1,014 |
| Loan loss allowance to noncurrent loans | 59.1755% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 4.7457% | 1,254 |
| Noncurrent loans to loans | 4.3124% | 1,657 |
| Net loans and leases to total assets | 79.9802% | 1,175 |
| Net loans and leases to deposits | 106.8351% | 617 |
| Net loans and leases to core deposits | 125.6997% | 1,764 |
| Total domestic deposits to total assets | 74.8633% | 6,796 |
| Equity capital to assets | 10.8439% | 3,176 |
| Core capital (leverage) ratio | 11.7040% | 1,966 |
| Tier 1 risk-based capital ratio | 13.2514% | 4,018 |
| Total risk-based capital ratio | 14.5209% | 3,954 |
| Memoranda: | ||
| Average total assets | $4,729,724,000 | 188 |
| Average earning assets | $4,302,827,500 | 182 |
| Average equity | $526,209,250 | 180 |
| Average total loans | $4,077,338,500 | 150 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1981% | 1,461 |
| Cost of funding earning assets | 1.1664% | 7,200 |
| Net interest margin | 5.0317% | 401 |
| Noninterest income to average assets | 0.1013% | 7,472 |
| Noninterest expense to average assets | 3.0236% | 3,997 |
| Loan and lease loss provision to assets | 1.4567% | 1,190 |
| Net operating income to assets | 0.1595% | 5,392 |
| Return on assets (ROA) | 0.1595% | 5,485 |
| Pretax return on assets | 0.2134% | 5,428 |
| Return on Equity (ROE) | 1.4186% | 5,487 |
| Retained earnings to average equity (ytd only) | 1.4186% | 4,539 |
| Net charge-offs to loans | 1.2207% | 1,502 |
| Credit loss provision to net charge-offs | 135.7758% | 3,433 |
| Earnings coverage of net charge-offs (x) | 1.5567% | 4,370 |
| Efficiency ratio | 60.0329% | 6,546 |
| Assets per employee ($millions) | 5.3280% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8467% | 1,922 |
| Loan loss allowance to noncurrent loans | 45.9619% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 4.5524% | 1,225 |
| Noncurrent loans to loans | 4.0179% | 1,683 |
| Net loans and leases to total assets | 85.7517% | 400 |
| Net loans and leases to deposits | 114.9801% | 361 |
| Net loans and leases to core deposits | 130.7250% | 1,502 |
| Total domestic deposits to total assets | 74.5796% | 6,852 |
| Equity capital to assets | 11.4108% | 2,593 |
| Core capital (leverage) ratio | 11.0446% | 2,368 |
| Tier 1 risk-based capital ratio | 11.4486% | 5,447 |
| Total risk-based capital ratio | 12.7055% | 5,354 |
| Memoranda: | ||
| Average total assets | $4,482,847,000 | 202 |
| Average earning assets | $4,091,418,000 | 199 |
| Average equity | $503,879,330 | 189 |
| Average total loans | $3,939,859,000 | 163 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1932% | 1,624 |
| Cost of funding earning assets | 1.2571% | 7,156 |
| Net interest margin | 4.9361% | 470 |
| Noninterest income to average assets | 0.5040% | 4,292 |
| Noninterest expense to average assets | 3.0081% | 3,733 |
| Loan and lease loss provision to assets | 1.2474% | 1,032 |
| Net operating income to assets | 0.4811% | 4,511 |
| Return on assets (ROA) | 0.4811% | 4,702 |
| Pretax return on assets | 0.7546% | 4,239 |
| Return on Equity (ROE) | 4.3125% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.3125% | 3,511 |
| Net charge-offs to loans | 0.6225% | 1,934 |
| Credit loss provision to net charge-offs | 227.3465% | 2,010 |
| Earnings coverage of net charge-offs (x) | 3.6487% | 3,111 |
| Efficiency ratio | 56.0440% | 6,966 |
| Assets per employee ($millions) | 5.3049% | 1,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 1,807 |
| Loan loss allowance to noncurrent loans | 51.5257% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 4.1482% | 1,225 |
| Noncurrent loans to loans | 3.5283% | 1,797 |
| Net loans and leases to total assets | 85.8717% | 464 |
| Net loans and leases to deposits | 110.4701% | 592 |
| Net loans and leases to core deposits | 125.2062% | 1,977 |
| Total domestic deposits to total assets | 77.7330% | 6,098 |
| Equity capital to assets | 11.2901% | 2,729 |
| Core capital (leverage) ratio | 10.7619% | 2,687 |
| Tier 1 risk-based capital ratio | 11.1962% | 5,704 |
| Total risk-based capital ratio | 12.4529% | 5,612 |
| Memoranda: | ||
| Average total assets | $4,489,164,500 | 200 |
| Average earning assets | $4,098,235,500 | 197 |
| Average equity | $500,776,500 | 185 |
| Average total loans | $3,957,085,000 | 164 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1419% | 830 |
| Cost of funding earning assets | 1.4787% | 7,645 |
| Net interest margin | 5.6633% | 160 |
| Noninterest income to average assets | 0.4950% | 4,647 |
| Noninterest expense to average assets | 19.1057% | 55 |
| Loan and lease loss provision to assets | 1.0541% | 1,382 |
| Net operating income to assets | -15.3868% | 8,290 |
| Return on assets (ROA) | -15.3850% | 8,290 |
| Pretax return on assets | -14.7531% | 8,282 |
| Return on Equity (ROE) | -96.7406% | 8,271 |
| Retained earnings to average equity (ytd only) | -111.0792% | 8,284 |
| Net charge-offs to loans | 0.9597% | 1,288 |
| Credit loss provision to net charge-offs | 128.8185% | 4,139 |
| Earnings coverage of net charge-offs (x) | -16.7431% | 6,931 |
| Efficiency ratio | 46.4889% | 7,900 |
| Assets per employee ($millions) | 5.0340% | 1,920 |
| Cash dividends to net income (ytd only)* | -14.8217% | 7,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 2,280 |
| Loan loss allowance to noncurrent loans | 100.0756% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 2.3335% | 2,083 |
| Noncurrent loans to loans | 1.5912% | 3,385 |
| Net loans and leases to total assets | 87.4183% | 423 |
| Net loans and leases to deposits | 112.6063% | 677 |
| Net loans and leases to core deposits | 126.9297% | 2,088 |
| Total domestic deposits to total assets | 77.6318% | 5,827 |
| Equity capital to assets | 11.0204% | 3,026 |
| Core capital (leverage) ratio | 10.4265% | 3,043 |
| Tier 1 risk-based capital ratio | 10.6140% | 6,086 |
| Total risk-based capital ratio | 11.8679% | 5,979 |
| Memoranda: | ||
| Average total assets | $4,648,460,600 | 190 |
| Average earning assets | $4,030,082,200 | 193 |
| Average equity | $739,262,600 | 145 |
| Average total loans | $3,963,630,000 | 165 |