Home > Bank of America California > Performance and Condition Ratios
Bank of America 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 | 3.6194% | 4,335 |
| Cost of funding earning assets | 1.8753% | 1,115 |
| Net interest margin | 1.7441% | 4,465 |
| Noninterest income to average assets | 0.0300% | 4,476 |
| Noninterest expense to average assets | 0.5881% | 4,531 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8482% | 2,710 |
| Return on assets (ROA) | 0.8482% | 2,689 |
| Pretax return on assets | 1.1391% | 2,292 |
| Return on Equity (ROE) | 6.0600% | 3,507 |
| Retained earnings to average equity (ytd only) | -2.7446% | 4,313 |
| Net charge-offs to loans | -0.0161% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 33.4507% | 4,468 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 145.2555% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1106% | 4,452 |
| Loan loss allowance to noncurrent loans | 15.1163% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5635% | 994 |
| Noncurrent loans to loans | 0.7315% | 1,065 |
| Net loans and leases to total assets | 76.0600% | 1,108 |
| Net loans and leases to deposits | 101.1890% | 472 |
| Net loans and leases to core deposits | 150.4484% | 198 |
| Total domestic deposits to total assets | 75.1700% | 4,016 |
| Equity capital to assets | 14.4624% | 606 |
| Core capital (leverage) ratio | 14.4803% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8557% | 180 |
| Memoranda: | ||
| Average total assets | $16,152,400,000 | 115 |
| Average earning assets | $15,997,200,000 | 104 |
| Average equity | $2,259,000,000 | 89 |
| Average total loans | $12,422,600,000 | 99 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 4,323 |
| Cost of funding earning assets | 1.7045% | 1,178 |
| Net interest margin | 1.8774% | 4,473 |
| Noninterest income to average assets | 0.0100% | 4,534 |
| Noninterest expense to average assets | 0.5552% | 4,556 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.9797% | 2,425 |
| Return on assets (ROA) | 0.9797% | 2,421 |
| Pretax return on assets | 1.3226% | 1,969 |
| Return on Equity (ROE) | 7.0600% | 3,409 |
| Retained earnings to average equity (ytd only) | -3.0015% | 4,363 |
| Net charge-offs to loans | -0.0106% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 29.6943% | 4,519 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 142.5000% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0495% | 4,479 |
| Loan loss allowance to noncurrent loans | 6.1856% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.6400% | 898 |
| Noncurrent loans to loans | 0.8010% | 1,040 |
| Net loans and leases to total assets | 79.8600% | 661 |
| Net loans and leases to deposits | 158.9286% | 9 |
| Net loans and leases to core deposits | 158.9286% | 109 |
| Total domestic deposits to total assets | 50.2500% | 4,498 |
| Equity capital to assets | 14.8060% | 554 |
| Core capital (leverage) ratio | 14.5766% | 698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1643% | 191 |
| Memoranda: | ||
| Average total assets | $16,330,500,000 | 115 |
| Average earning assets | $16,192,500,000 | 105 |
| Average equity | $2,265,500,000 | 89 |
| Average total loans | $12,589,000,000 | 98 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 4,306 |
| Cost of funding earning assets | 1.4830% | 1,275 |
| Net interest margin | 2.0617% | 4,474 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 0.5621% | 4,587 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.1003% | 2,124 |
| Return on assets (ROA) | 1.1003% | 2,114 |
| Pretax return on assets | 1.4831% | 1,634 |
| Return on Equity (ROE) | 8.1000% | 3,210 |
| Retained earnings to average equity (ytd only) | -3.8721% | 4,382 |
| Net charge-offs to loans | -0.0157% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 27.3256% | 4,557 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 147.8261% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0644% | 4,515 |
| Loan loss allowance to noncurrent loans | 8.1633% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 823 |
| Noncurrent loans to loans | 0.7886% | 963 |
| Net loans and leases to total assets | 80.5800% | 572 |
| Net loans and leases to deposits | 144.1388% | 22 |
| Net loans and leases to core deposits | 144.1388% | 184 |
| Total domestic deposits to total assets | 55.9000% | 4,505 |
| Equity capital to assets | 14.6055% | 564 |
| Core capital (leverage) ratio | 13.9541% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4691% | 188 |
| Memoranda: | ||
| Average total assets | $16,722,000,000 | 109 |
| Average earning assets | $16,588,000,000 | 98 |
| Average equity | $2,272,666,667 | 87 |
| Average total loans | $12,748,666,667 | 94 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 4,260 |
| Cost of funding earning assets | 1.2066% | 1,433 |
| Net interest margin | 2.2972% | 4,450 |
| Noninterest income to average assets | 0.0200% | 4,597 |
| Noninterest expense to average assets | 0.5294% | 4,659 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.3121% | 1,640 |
| Return on assets (ROA) | 1.3121% | 1,611 |
| Pretax return on assets | 1.7494% | 1,173 |
| Return on Equity (ROE) | 9.9800% | 2,791 |
| Retained earnings to average equity (ytd only) | -3.8537% | 4,281 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 23.0000% | 4,637 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 138.5965% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0548% | 4,576 |
| Loan loss allowance to noncurrent loans | 7.3684% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5861% | 879 |
| Noncurrent loans to loans | 0.7438% | 1,028 |
| Net loans and leases to total assets | 77.1400% | 862 |
| Net loans and leases to deposits | 125.8478% | 57 |
| Net loans and leases to core deposits | 125.8478% | 327 |
| Total domestic deposits to total assets | 61.2900% | 4,535 |
| Equity capital to assets | 13.7341% | 629 |
| Core capital (leverage) ratio | 13.2035% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9241% | 203 |
| Memoranda: | ||
| Average total assets | $17,377,000,000 | 106 |
| Average earning assets | $17,238,500,000 | 99 |
| Average equity | $2,283,500,000 | 88 |
| Average total loans | $12,909,500,000 | 97 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2097% | 4,577 |
| Cost of funding earning assets | 0.1300% | 4,230 |
| Net interest margin | 2.0797% | 4,532 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 0.4082% | 4,695 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2771% | 1,511 |
| Return on assets (ROA) | 1.2771% | 1,467 |
| Pretax return on assets | 1.6732% | 984 |
| Return on Equity (ROE) | 13.5800% | 1,633 |
| Retained earnings to average equity (ytd only) | 2.8370% | 3,761 |
| Net charge-offs to loans | 0.0529% | 1,140 |
| Credit loss provision to net charge-offs | 28.5714% | 1,900 |
| Earnings coverage of net charge-offs (x) | 59.4286% | 1,263 |
| Efficiency ratio | 19.5358% | 4,689 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 79.1139% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0537% | 4,602 |
| Loan loss allowance to noncurrent loans | 7.1429% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 880 |
| Noncurrent loans to loans | 0.7512% | 1,000 |
| Net loans and leases to total assets | 71.6300% | 1,459 |
| Net loans and leases to deposits | 93.2423% | 830 |
| Net loans and leases to core deposits | 93.2423% | 1,334 |
| Total domestic deposits to total assets | 76.8200% | 4,193 |
| Equity capital to assets | 12.6016% | 784 |
| Core capital (leverage) ratio | 12.1739% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4400% | 200 |
| Memoranda: | ||
| Average total assets | $24,743,600,000 | 87 |
| Average earning assets | $24,619,000,000 | 78 |
| Average equity | $2,326,400,000 | 94 |
| Average total loans | $13,230,800,000 | 99 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9599% | 4,618 |
| Cost of funding earning assets | 0.0203% | 4,663 |
| Net interest margin | 1.9396% | 4,571 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 0.3690% | 4,738 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1979% | 1,700 |
| Return on assets (ROA) | 1.1979% | 1,675 |
| Pretax return on assets | 1.5719% | 1,196 |
| Return on Equity (ROE) | 13.5400% | 1,553 |
| Retained earnings to average equity (ytd only) | 13.5358% | 535 |
| Net charge-offs to loans | 0.0603% | 881 |
| Credit loss provision to net charge-offs | 50.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 52.3333% | 1,259 |
| Efficiency ratio | 18.8630% | 4,729 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0676% | 4,643 |
| Loan loss allowance to noncurrent loans | 9.3750% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 1,056 |
| Noncurrent loans to loans | 0.7208% | 1,132 |
| Net loans and leases to total assets | 66.0900% | 1,884 |
| Net loans and leases to deposits | 76.2751% | 1,855 |
| Net loans and leases to core deposits | 76.2751% | 2,175 |
| Total domestic deposits to total assets | 86.6500% | 2,870 |
| Equity capital to assets | 12.2399% | 831 |
| Core capital (leverage) ratio | 10.5586% | 2,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1820% | 193 |
| Memoranda: | ||
| Average total assets | $26,378,500,000 | 83 |
| Average earning assets | $26,259,000,000 | 77 |
| Average equity | $2,334,500,000 | 97 |
| Average total loans | $13,277,000,000 | 99 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6155% | 4,692 |
| Cost of funding earning assets | 0.0141% | 4,735 |
| Net interest margin | 1.6014% | 4,672 |
| Noninterest income to average assets | 0.0351% | 4,675 |
| Noninterest expense to average assets | 0.3514% | 4,764 |
| Loan and lease loss provision to assets | 0.0422% | 1,813 |
| Net operating income to assets | 0.9417% | 2,394 |
| Return on assets (ROA) | 0.9417% | 2,369 |
| Pretax return on assets | 1.2369% | 1,943 |
| Return on Equity (ROE) | 11.6979% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.6979% | 660 |
| Net charge-offs to loans | 0.0905% | 622 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 1,385 |
| Efficiency ratio | 21.5517% | 4,752 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0677% | 4,712 |
| Loan loss allowance to noncurrent loans | 8.6538% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 1,424 |
| Noncurrent loans to loans | 0.7819% | 1,095 |
| Net loans and leases to total assets | 50.0301% | 3,379 |
| Net loans and leases to deposits | 55.4180% | 3,427 |
| Net loans and leases to core deposits | 55.4180% | 3,618 |
| Total domestic deposits to total assets | 90.2778% | 1,593 |
| Equity capital to assets | 8.8904% | 2,458 |
| Core capital (leverage) ratio | 8.2567% | 4,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8185% | 171 |
| Memoranda: | ||
| Average total assets | $28,458,333,333 | 79 |
| Average earning assets | $28,350,333,333 | 75 |
| Average equity | $2,291,000,000 | 102 |
| Average total loans | $13,263,000,000 | 97 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3105% | 4,742 |
| Cost of funding earning assets | 0.0137% | 4,750 |
| Net interest margin | 1.2968% | 4,722 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 0.3401% | 4,790 |
| Loan and lease loss provision to assets | -0.0272% | 4,470 |
| Net operating income to assets | 0.7482% | 2,862 |
| Return on assets (ROA) | 0.7482% | 2,855 |
| Pretax return on assets | 0.9795% | 2,504 |
| Return on Equity (ROE) | 9.7539% | 2,068 |
| Retained earnings to average equity (ytd only) | 9.7539% | 1,085 |
| Net charge-offs to loans | -0.0302% | 4,091 |
| Credit loss provision to net charge-offs | 200.0000% | 773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.3158% | 4,761 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0561% | 4,742 |
| Loan loss allowance to noncurrent loans | 6.4000% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4220% | 1,440 |
| Noncurrent loans to loans | 0.8768% | 1,063 |
| Net loans and leases to total assets | 47.7240% | 3,411 |
| Net loans and leases to deposits | 52.1465% | 3,560 |
| Net loans and leases to core deposits | 52.1465% | 3,726 |
| Total domestic deposits to total assets | 91.5190% | 792 |
| Equity capital to assets | 7.6470% | 3,833 |
| Core capital (leverage) ratio | 7.7742% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9554% | 227 |
| Memoranda: | ||
| Average total assets | $29,403,500,000 | 77 |
| Average earning assets | $29,302,500,000 | 73 |
| Average equity | $2,255,500,000 | 104 |
| Average total loans | $13,244,000,000 | 94 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9992% | 4,787 |
| Cost of funding earning assets | 0.0114% | 4,795 |
| Net interest margin | 0.9878% | 4,780 |
| Noninterest income to average assets | 0.0038% | 4,802 |
| Noninterest expense to average assets | 0.3037% | 4,824 |
| Loan and lease loss provision to assets | -0.0190% | 4,217 |
| Net operating income to assets | 0.5162% | 4,047 |
| Return on assets (ROA) | 0.5162% | 4,097 |
| Pretax return on assets | 0.7022% | 3,924 |
| Return on Equity (ROE) | 6.2500% | 3,717 |
| Retained earnings to average equity (ytd only) | 4.9173% | 2,813 |
| Net charge-offs to loans | -0.0092% | 3,709 |
| Credit loss provision to net charge-offs | 500.0000% | 798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7692% | 4,787 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 21.3235% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0736% | 4,777 |
| Loan loss allowance to noncurrent loans | 7.2000% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 1,511 |
| Noncurrent loans to loans | 1.0219% | 963 |
| Net loans and leases to total assets | 42.2182% | 3,968 |
| Net loans and leases to deposits | 46.2205% | 4,082 |
| Net loans and leases to core deposits | 46.2205% | 4,177 |
| Total domestic deposits to total assets | 91.3408% | 373 |
| Equity capital to assets | 7.6955% | 4,502 |
| Core capital (leverage) ratio | 8.1398% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1696% | 183 |
| Memoranda: | ||
| Average total assets | $26,344,800,000 | 85 |
| Average earning assets | $26,220,800,000 | 78 |
| Average equity | $2,176,000,000 | 106 |
| Average total loans | $10,900,400,000 | 108 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9910% | 4,874 |
| Cost of funding earning assets | 0.0104% | 4,878 |
| Net interest margin | 0.9806% | 4,868 |
| Noninterest income to average assets | 0.0052% | 4,874 |
| Noninterest expense to average assets | 0.3114% | 4,907 |
| Loan and lease loss provision to assets | -0.0259% | 4,374 |
| Net operating income to assets | 0.5189% | 4,168 |
| Return on assets (ROA) | 0.5189% | 4,214 |
| Pretax return on assets | 0.6954% | 4,074 |
| Return on Equity (ROE) | 6.1641% | 3,874 |
| Retained earnings to average equity (ytd only) | 4.3765% | 3,453 |
| Net charge-offs to loans | -0.0126% | 3,772 |
| Credit loss provision to net charge-offs | 500.0000% | 756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.7460% | 4,853 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 29.0000% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0657% | 4,857 |
| Loan loss allowance to noncurrent loans | 7.6271% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 1,692 |
| Noncurrent loans to loans | 0.8619% | 1,335 |
| Net loans and leases to total assets | 51.3705% | 3,261 |
| Net loans and leases to deposits | 56.6173% | 3,525 |
| Net loans and leases to core deposits | 56.6173% | 3,724 |
| Total domestic deposits to total assets | 90.7330% | 455 |
| Equity capital to assets | 8.2307% | 4,394 |
| Core capital (leverage) ratio | 8.4194% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.1003% | 273 |
| Memoranda: | ||
| Average total assets | $25,693,000,000 | 88 |
| Average earning assets | $25,561,500,000 | 80 |
| Average equity | $2,163,000,000 | 108 |
| Average total loans | $10,567,500,000 | 114 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9422% | 4,916 |
| Cost of funding earning assets | 0.0079% | 4,919 |
| Net interest margin | 0.9343% | 4,908 |
| Noninterest income to average assets | 0.0079% | 4,903 |
| Noninterest expense to average assets | 0.3073% | 4,946 |
| Loan and lease loss provision to assets | -0.0315% | 4,470 |
| Net operating income to assets | 0.4965% | 4,226 |
| Return on assets (ROA) | 0.4965% | 4,269 |
| Pretax return on assets | 0.6619% | 4,141 |
| Return on Equity (ROE) | 5.8514% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.8514% | 2,864 |
| Net charge-offs to loans | -0.0210% | 4,019 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7731% | 4,885 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1003% | 4,887 |
| Loan loss allowance to noncurrent loans | 7.2464% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 1,548 |
| Noncurrent loans to loans | 1.3836% | 845 |
| Net loans and leases to total assets | 38.7750% | 4,350 |
| Net loans and leases to deposits | 42.8799% | 4,426 |
| Net loans and leases to core deposits | 42.8799% | 4,492 |
| Total domestic deposits to total assets | 90.4269% | 588 |
| Equity capital to assets | 8.4990% | 4,205 |
| Core capital (leverage) ratio | 8.5117% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6954% | 140 |
| Memoranda: | ||
| Average total assets | $25,380,000,000 | 88 |
| Average earning assets | $25,260,000,000 | 80 |
| Average equity | $2,153,333,333 | 108 |
| Average total loans | $9,526,666,667 | 127 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0195% | 4,942 |
| Cost of funding earning assets | 0.0159% | 4,938 |
| Net interest margin | 1.0036% | 4,930 |
| Noninterest income to average assets | 0.0159% | 4,910 |
| Noninterest expense to average assets | 0.3172% | 4,969 |
| Loan and lease loss provision to assets | -0.0159% | 4,594 |
| Net operating income to assets | 0.5392% | 4,097 |
| Return on assets (ROA) | 0.5392% | 4,138 |
| Pretax return on assets | 0.7137% | 3,991 |
| Return on Equity (ROE) | 6.3611% | 3,759 |
| Retained earnings to average equity (ytd only) | 6.3611% | 2,773 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2500% | 4,901 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1047% | 4,919 |
| Loan loss allowance to noncurrent loans | 9.0226% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 0.5143% | 1,842 |
| Noncurrent loans to loans | 1.1608% | 1,144 |
| Net loans and leases to total assets | 44.2614% | 4,101 |
| Net loans and leases to deposits | 48.5659% | 4,238 |
| Net loans and leases to core deposits | 49.6594% | 4,311 |
| Total domestic deposits to total assets | 91.1369% | 354 |
| Equity capital to assets | 8.3333% | 4,250 |
| Core capital (leverage) ratio | 8.4833% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5871% | 199 |
| Memoranda: | ||
| Average total assets | $25,221,500,000 | 87 |
| Average earning assets | $25,109,500,000 | 81 |
| Average equity | $2,138,000,000 | 109 |
| Average total loans | $9,303,000,000 | 128 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7486% | 4,931 |
| Cost of funding earning assets | 0.0501% | 4,940 |
| Net interest margin | 1.6985% | 4,898 |
| Noninterest income to average assets | 0.0000% | 4,957 |
| Noninterest expense to average assets | 0.4240% | 4,982 |
| Loan and lease loss provision to assets | 0.0200% | 4,139 |
| Net operating income to assets | 0.9378% | 2,529 |
| Return on assets (ROA) | 0.9378% | 2,677 |
| Pretax return on assets | 1.2470% | 2,170 |
| Return on Equity (ROE) | 9.1977% | 2,315 |
| Retained earnings to average equity (ytd only) | 6.1644% | 1,725 |
| Net charge-offs to loans | -0.0234% | 4,467 |
| Credit loss provision to net charge-offs | -200.0000% | 3,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.0737% | 4,976 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 32.9787% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1819% | 4,932 |
| Loan loss allowance to noncurrent loans | 8.2278% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 0.6468% | 1,622 |
| Noncurrent loans to loans | 2.2104% | 487 |
| Net loans and leases to total assets | 29.0241% | 4,774 |
| Net loans and leases to deposits | 31.9468% | 4,811 |
| Net loans and leases to core deposits | 32.6979% | 4,825 |
| Total domestic deposits to total assets | 90.8514% | 259 |
| Equity capital to assets | 8.6279% | 4,351 |
| Core capital (leverage) ratio | 8.9911% | 3,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.1293% | 79 |
| Memoranda: | ||
| Average total assets | $20,047,400,000 | 93 |
| Average earning assets | $19,959,000,000 | 89 |
| Average equity | $2,044,000,000 | 106 |
| Average total loans | $8,536,200,000 | 133 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9755% | 4,967 |
| Cost of funding earning assets | 0.0708% | 4,966 |
| Net interest margin | 1.9047% | 4,914 |
| Noninterest income to average assets | 0.0000% | 4,986 |
| Noninterest expense to average assets | 0.4230% | 5,020 |
| Loan and lease loss provision to assets | 0.0564% | 3,643 |
| Net operating income to assets | 1.0645% | 2,094 |
| Return on assets (ROA) | 1.0645% | 2,227 |
| Pretax return on assets | 1.4169% | 1,674 |
| Return on Equity (ROE) | 9.9434% | 2,038 |
| Retained earnings to average equity (ytd only) | 5.8607% | 2,164 |
| Net charge-offs to loans | -0.0300% | 4,534 |
| Credit loss provision to net charge-offs | -400.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.3048% | 5,015 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 41.0596% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2146% | 4,957 |
| Loan loss allowance to noncurrent loans | 11.1111% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6965% | 1,675 |
| Noncurrent loans to loans | 1.9311% | 648 |
| Net loans and leases to total assets | 35.5262% | 4,695 |
| Net loans and leases to deposits | 40.2936% | 4,739 |
| Net loans and leases to core deposits | 41.3018% | 4,765 |
| Total domestic deposits to total assets | 88.1684% | 1,137 |
| Equity capital to assets | 9.3646% | 3,803 |
| Core capital (leverage) ratio | 9.6660% | 3,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.6640% | 105 |
| Memoranda: | ||
| Average total assets | $18,913,500,000 | 97 |
| Average earning assets | $18,830,250,000 | 90 |
| Average equity | $2,024,750,000 | 106 |
| Average total loans | $8,883,250,000 | 131 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2915% | 4,994 |
| Cost of funding earning assets | 0.0903% | 4,989 |
| Net interest margin | 2.2012% | 4,879 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 0.4607% | 5,052 |
| Loan and lease loss provision to assets | 0.0899% | 3,145 |
| Net operating income to assets | 1.2247% | 1,569 |
| Return on assets (ROA) | 1.2247% | 1,690 |
| Pretax return on assets | 1.6404% | 1,129 |
| Return on Equity (ROE) | 10.8728% | 1,675 |
| Retained earnings to average equity (ytd only) | 4.6883% | 2,613 |
| Net charge-offs to loans | -0.0217% | 4,429 |
| Credit loss provision to net charge-offs | -800.0000% | 3,702 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.0256% | 5,047 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 56.8807% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1856% | 4,998 |
| Loan loss allowance to noncurrent loans | 13.5593% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 2,060 |
| Noncurrent loans to loans | 1.3686% | 1,128 |
| Net loans and leases to total assets | 41.4947% | 4,547 |
| Net loans and leases to deposits | 47.3794% | 4,613 |
| Net loans and leases to core deposits | 48.5995% | 4,649 |
| Total domestic deposits to total assets | 87.5796% | 1,389 |
| Equity capital to assets | 9.8457% | 3,330 |
| Core capital (leverage) ratio | 10.3183% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.2673% | 138 |
| Memoranda: | ||
| Average total assets | $17,800,000,000 | 101 |
| Average earning assets | $17,717,666,667 | 94 |
| Average equity | $2,005,000,000 | 107 |
| Average total loans | $9,203,333,333 | 127 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9038% | 4,979 |
| Cost of funding earning assets | 0.1230% | 5,009 |
| Net interest margin | 2.7808% | 4,588 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 0.4409% | 5,101 |
| Loan and lease loss provision to assets | 0.1715% | 1,716 |
| Net operating income to assets | 1.6167% | 605 |
| Return on assets (ROA) | 1.6167% | 667 |
| Pretax return on assets | 2.1555% | 328 |
| Return on Equity (ROE) | 13.2897% | 829 |
| Retained earnings to average equity (ytd only) | 0.8054% | 3,788 |
| Net charge-offs to loans | -0.0421% | 4,579 |
| Credit loss provision to net charge-offs | -700.0000% | 3,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.9292% | 5,098 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 93.9394% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1619% | 5,039 |
| Loan loss allowance to noncurrent loans | 14.1509% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 2,259 |
| Noncurrent loans to loans | 1.1438% | 1,454 |
| Net loans and leases to total assets | 49.2075% | 4,278 |
| Net loans and leases to deposits | 56.9810% | 4,322 |
| Net loans and leases to core deposits | 58.4423% | 4,416 |
| Total domestic deposits to total assets | 86.3578% | 1,847 |
| Equity capital to assets | 10.6318% | 3,205 |
| Core capital (leverage) ratio | 13.5774% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9070% | 167 |
| Memoranda: | ||
| Average total assets | $16,330,000,000 | 104 |
| Average earning assets | $16,254,500,000 | 95 |
| Average equity | $1,986,500,000 | 108 |
| Average total loans | $9,494,000,000 | 117 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 4,897 |
| Cost of funding earning assets | 0.5150% | 4,023 |
| Net interest margin | 2.9231% | 4,629 |
| Noninterest income to average assets | 0.0552% | 5,026 |
| Noninterest expense to average assets | 0.4693% | 5,159 |
| Loan and lease loss provision to assets | -0.0897% | 5,066 |
| Net operating income to assets | 1.9737% | 377 |
| Return on assets (ROA) | 1.9737% | 392 |
| Pretax return on assets | 2.5742% | 185 |
| Return on Equity (ROE) | 14.5621% | 785 |
| Retained earnings to average equity (ytd only) | 3.6151% | 3,190 |
| Net charge-offs to loans | 0.0373% | 2,641 |
| Credit loss provision to net charge-offs | -325.0000% | 4,366 |
| Earnings coverage of net charge-offs (x) | 90.0000% | 735 |
| Efficiency ratio | 15.8879% | 5,162 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 75.1748% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3498% | 5,016 |
| Loan loss allowance to noncurrent loans | 32.3810% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 1,644 |
| Noncurrent loans to loans | 1.0801% | 1,401 |
| Net loans and leases to total assets | 69.9019% | 2,410 |
| Net loans and leases to deposits | 85.4082% | 2,163 |
| Net loans and leases to core deposits | 88.2240% | 2,584 |
| Total domestic deposits to total assets | 81.8444% | 3,547 |
| Equity capital to assets | 14.2445% | 1,021 |
| Core capital (leverage) ratio | 14.6494% | 762 |
| Tier 1 risk-based capital ratio | 35.4335% | 322 |
| Total risk-based capital ratio | 36.0438% | 329 |
| Memoranda: | ||
| Average total assets | $14,490,200,000 | 106 |
| Average earning assets | $14,368,200,000 | 98 |
| Average equity | $1,964,000,000 | 106 |
| Average total loans | $10,737,800,000 | 102 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 4,941 |
| Cost of funding earning assets | 0.5971% | 3,717 |
| Net interest margin | 2.9302% | 4,726 |
| Noninterest income to average assets | 0.0637% | 5,083 |
| Noninterest expense to average assets | 0.4642% | 5,240 |
| Loan and lease loss provision to assets | -0.1001% | 5,162 |
| Net operating income to assets | 2.0298% | 376 |
| Return on assets (ROA) | 2.0298% | 389 |
| Pretax return on assets | 2.6032% | 206 |
| Return on Equity (ROE) | 15.1581% | 748 |
| Retained earnings to average equity (ytd only) | 5.3019% | 2,730 |
| Net charge-offs to loans | 0.0243% | 2,619 |
| Credit loss provision to net charge-offs | -550.0000% | 4,339 |
| Earnings coverage of net charge-offs (x) | 137.5000% | 578 |
| Efficiency ratio | 15.6442% | 5,241 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 65.0224% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3614% | 5,085 |
| Loan loss allowance to noncurrent loans | 31.3559% | 4,488 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 1,487 |
| Noncurrent loans to loans | 1.1526% | 1,372 |
| Net loans and leases to total assets | 76.3376% | 1,427 |
| Net loans and leases to deposits | 94.2095% | 1,205 |
| Net loans and leases to core deposits | 97.2821% | 1,877 |
| Total domestic deposits to total assets | 81.0297% | 3,748 |
| Equity capital to assets | 14.8245% | 898 |
| Core capital (leverage) ratio | 14.7671% | 797 |
| Tier 1 risk-based capital ratio | 33.8286% | 378 |
| Total risk-based capital ratio | 34.4604% | 384 |
| Memoranda: | ||
| Average total assets | $14,648,250,000 | 107 |
| Average earning assets | $14,515,250,000 | 98 |
| Average equity | $1,961,500,000 | 106 |
| Average total loans | $10,992,000,000 | 98 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5186% | 4,995 |
| Cost of funding earning assets | 0.6555% | 3,377 |
| Net interest margin | 2.8630% | 4,859 |
| Noninterest income to average assets | 0.0663% | 5,121 |
| Noninterest expense to average assets | 0.4643% | 5,288 |
| Loan and lease loss provision to assets | -0.1061% | 5,214 |
| Net operating income to assets | 2.0031% | 387 |
| Return on assets (ROA) | 2.0031% | 407 |
| Pretax return on assets | 2.5470% | 220 |
| Return on Equity (ROE) | 15.4476% | 678 |
| Retained earnings to average equity (ytd only) | 7.7749% | 1,484 |
| Net charge-offs to loans | 0.0356% | 2,160 |
| Credit loss provision to net charge-offs | -400.0000% | 4,093 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 734 |
| Efficiency ratio | 15.9817% | 5,285 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 49.6689% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3709% | 5,132 |
| Loan loss allowance to noncurrent loans | 29.6296% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 1,294 |
| Noncurrent loans to loans | 1.2517% | 1,267 |
| Net loans and leases to total assets | 79.9955% | 880 |
| Net loans and leases to deposits | 98.5509% | 795 |
| Net loans and leases to core deposits | 101.8580% | 1,568 |
| Total domestic deposits to total assets | 81.1718% | 3,758 |
| Equity capital to assets | 14.7335% | 879 |
| Core capital (leverage) ratio | 14.2170% | 900 |
| Tier 1 risk-based capital ratio | 31.8936% | 422 |
| Total risk-based capital ratio | 32.5383% | 438 |
| Memoranda: | ||
| Average total assets | $15,076,666,670 | 105 |
| Average earning assets | $14,949,333,330 | 96 |
| Average equity | $1,955,000,000 | 106 |
| Average total loans | $11,243,333,330 | 98 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4495% | 5,081 |
| Cost of funding earning assets | 0.7102% | 3,000 |
| Net interest margin | 2.7393% | 5,038 |
| Noninterest income to average assets | 0.1006% | 5,076 |
| Noninterest expense to average assets | 0.4277% | 5,350 |
| Loan and lease loss provision to assets | -0.0755% | 5,277 |
| Net operating income to assets | 2.0127% | 379 |
| Return on assets (ROA) | 2.0127% | 395 |
| Pretax return on assets | 2.4656% | 263 |
| Return on Equity (ROE) | 16.4694% | 533 |
| Retained earnings to average equity (ytd only) | 16.4694% | 205 |
| Net charge-offs to loans | 0.0349% | 1,770 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 687 |
| Efficiency ratio | 15.1786% | 5,346 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4085% | 5,166 |
| Loan loss allowance to noncurrent loans | 31.9444% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.0266% | 1,362 |
| Noncurrent loans to loans | 1.2789% | 1,284 |
| Net loans and leases to total assets | 75.7396% | 1,528 |
| Net loans and leases to deposits | 93.4967% | 1,229 |
| Net loans and leases to core deposits | 96.3899% | 1,903 |
| Total domestic deposits to total assets | 81.0077% | 3,966 |
| Equity capital to assets | 13.3932% | 1,250 |
| Core capital (leverage) ratio | 12.8026% | 1,359 |
| Tier 1 risk-based capital ratio | 30.7299% | 451 |
| Total risk-based capital ratio | 31.4427% | 458 |
| Memoranda: | ||
| Average total assets | $15,899,000,000 | 99 |
| Average earning assets | $15,770,500,000 | 94 |
| Average equity | $1,943,000,000 | 108 |
| Average total loans | $11,472,500,000 | 96 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3849% | 5,021 |
| Cost of funding earning assets | 0.5467% | 3,069 |
| Net interest margin | 2.8382% | 4,986 |
| Noninterest income to average assets | 0.3438% | 3,814 |
| Noninterest expense to average assets | 0.6017% | 5,385 |
| Loan and lease loss provision to assets | -0.0802% | 5,244 |
| Net operating income to assets | 1.9657% | 385 |
| Return on assets (ROA) | 1.9657% | 386 |
| Pretax return on assets | 2.6190% | 166 |
| Return on Equity (ROE) | 13.9943% | 1,040 |
| Retained earnings to average equity (ytd only) | 0.9384% | 4,718 |
| Net charge-offs to loans | 0.1603% | 1,201 |
| Credit loss provision to net charge-offs | -66.6667% | 4,356 |
| Earnings coverage of net charge-offs (x) | 21.0952% | 1,963 |
| Efficiency ratio | 15.8759% | 5,392 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 93.2945% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4193% | 5,198 |
| Loan loss allowance to noncurrent loans | 31.4103% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 0.9710% | 1,409 |
| Noncurrent loans to loans | 1.3350% | 1,175 |
| Net loans and leases to total assets | 68.4793% | 2,809 |
| Net loans and leases to deposits | 81.4960% | 2,793 |
| Net loans and leases to core deposits | 84.3005% | 3,055 |
| Total domestic deposits to total assets | 84.0278% | 2,989 |
| Equity capital to assets | 11.1994% | 2,514 |
| Core capital (leverage) ratio | 12.2144% | 1,611 |
| Tier 1 risk-based capital ratio | 28.4115% | 542 |
| Total risk-based capital ratio | 29.1430% | 558 |
| Memoranda: | ||
| Average total assets | $17,449,600,000 | 93 |
| Average earning assets | $17,194,200,000 | 87 |
| Average equity | $2,451,000,000 | 83 |
| Average total loans | $13,098,800,000 | 85 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4353% | 4,998 |
| Cost of funding earning assets | 0.5095% | 3,130 |
| Net interest margin | 2.9258% | 4,941 |
| Noninterest income to average assets | 0.4251% | 3,321 |
| Noninterest expense to average assets | 0.5997% | 5,454 |
| Loan and lease loss provision to assets | -0.0987% | 5,347 |
| Net operating income to assets | 2.1103% | 305 |
| Return on assets (ROA) | 2.1103% | 302 |
| Pretax return on assets | 2.8011% | 143 |
| Return on Equity (ROE) | 14.3222% | 1,031 |
| Retained earnings to average equity (ytd only) | 1.1849% | 4,807 |
| Net charge-offs to loans | 0.0991% | 1,503 |
| Credit loss provision to net charge-offs | -130.0000% | 4,266 |
| Earnings coverage of net charge-offs (x) | 35.6000% | 1,451 |
| Efficiency ratio | 14.9425% | 5,462 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 91.7266% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4505% | 5,241 |
| Loan loss allowance to noncurrent loans | 32.5581% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.1621% | 1,221 |
| Noncurrent loans to loans | 1.3835% | 1,203 |
| Net loans and leases to total assets | 80.3480% | 962 |
| Net loans and leases to deposits | 105.0416% | 481 |
| Net loans and leases to core deposits | 108.4472% | 1,138 |
| Total domestic deposits to total assets | 76.4916% | 4,729 |
| Equity capital to assets | 12.3547% | 1,671 |
| Core capital (leverage) ratio | 11.9632% | 1,806 |
| Tier 1 risk-based capital ratio | 25.2194% | 731 |
| Total risk-based capital ratio | 25.9638% | 755 |
| Memoranda: | ||
| Average total assets | $17,564,000,000 | 92 |
| Average earning assets | $17,271,000,000 | 86 |
| Average equity | $2,588,000,000 | 77 |
| Average total loans | $13,452,250,000 | 82 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3938% | 5,048 |
| Cost of funding earning assets | 0.4436% | 3,394 |
| Net interest margin | 2.9501% | 4,944 |
| Noninterest income to average assets | 0.5250% | 2,722 |
| Noninterest expense to average assets | 0.5032% | 5,525 |
| Loan and lease loss provision to assets | -0.0875% | 5,412 |
| Net operating income to assets | 2.2752% | 220 |
| Return on assets (ROA) | 2.2752% | 215 |
| Pretax return on assets | 3.0190% | 112 |
| Return on Equity (ROE) | 14.7710% | 898 |
| Retained earnings to average equity (ytd only) | 4.8290% | 3,161 |
| Net charge-offs to loans | 0.0580% | 1,775 |
| Credit loss provision to net charge-offs | -200.0000% | 4,186 |
| Earnings coverage of net charge-offs (x) | 67.0000% | 932 |
| Efficiency ratio | 11.7834% | 5,529 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 67.3077% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4709% | 5,296 |
| Loan loss allowance to noncurrent loans | 35.6322% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 1.1239% | 1,307 |
| Noncurrent loans to loans | 1.3217% | 1,290 |
| Net loans and leases to total assets | 80.9127% | 873 |
| Net loans and leases to deposits | 101.3850% | 704 |
| Net loans and leases to core deposits | 104.8156% | 1,328 |
| Total domestic deposits to total assets | 79.8073% | 4,277 |
| Equity capital to assets | 12.0291% | 1,837 |
| Core capital (leverage) ratio | 11.3952% | 2,160 |
| Tier 1 risk-based capital ratio | 24.8240% | 746 |
| Total risk-based capital ratio | 25.6177% | 778 |
| Memoranda: | ||
| Average total assets | $18,284,333,330 | 89 |
| Average earning assets | $18,033,000,000 | 84 |
| Average equity | $2,816,333,330 | 75 |
| Average total loans | $13,792,333,330 | 81 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3135% | 5,123 |
| Cost of funding earning assets | 0.3565% | 3,938 |
| Net interest margin | 2.9570% | 4,943 |
| Noninterest income to average assets | 0.0414% | 5,493 |
| Noninterest expense to average assets | 0.5173% | 5,590 |
| Loan and lease loss provision to assets | -0.0621% | 5,474 |
| Net operating income to assets | 1.8831% | 471 |
| Return on assets (ROA) | 1.8831% | 477 |
| Pretax return on assets | 2.5039% | 211 |
| Return on Equity (ROE) | 11.1983% | 1,883 |
| Retained earnings to average equity (ytd only) | 5.0454% | 3,149 |
| Net charge-offs to loans | 0.0567% | 1,542 |
| Credit loss provision to net charge-offs | -150.0000% | 3,756 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 852 |
| Efficiency ratio | 13.9860% | 5,594 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4843% | 5,351 |
| Loan loss allowance to noncurrent loans | 36.4130% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.0183% | 1,541 |
| Noncurrent loans to loans | 1.3302% | 1,341 |
| Net loans and leases to total assets | 73.0098% | 2,022 |
| Net loans and leases to deposits | 91.8652% | 1,467 |
| Net loans and leases to core deposits | 94.8725% | 2,068 |
| Total domestic deposits to total assets | 79.4749% | 4,496 |
| Equity capital to assets | 17.3482% | 371 |
| Core capital (leverage) ratio | 16.7017% | 413 |
| Tier 1 risk-based capital ratio | 39.0856% | 242 |
| Total risk-based capital ratio | 39.8896% | 244 |
| Memoranda: | ||
| Average total assets | $19,329,500,000 | 89 |
| Average earning assets | $19,073,500,000 | 83 |
| Average equity | $3,250,500,000 | 68 |
| Average total loans | $14,106,000,000 | 81 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1803% | 5,216 |
| Cost of funding earning assets | 0.1901% | 5,018 |
| Net interest margin | 2.9903% | 4,906 |
| Noninterest income to average assets | 0.0548% | 5,521 |
| Noninterest expense to average assets | 0.5529% | 5,648 |
| Loan and lease loss provision to assets | -0.1142% | 5,492 |
| Net operating income to assets | 1.3342% | 1,153 |
| Return on assets (ROA) | 1.3342% | 1,176 |
| Pretax return on assets | 2.5633% | 160 |
| Return on Equity (ROE) | 8.9554% | 2,337 |
| Retained earnings to average equity (ytd only) | 0.5214% | 4,825 |
| Net charge-offs to loans | -0.0126% | 4,849 |
| Credit loss provision to net charge-offs | 1,250.0000% | 306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.6773% | 5,653 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 94.1781% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5007% | 5,384 |
| Loan loss allowance to noncurrent loans | 35.4680% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0604% | 1,438 |
| Noncurrent loans to loans | 1.4118% | 1,216 |
| Net loans and leases to total assets | 72.2430% | 2,193 |
| Net loans and leases to deposits | 89.3908% | 1,847 |
| Net loans and leases to core deposits | 92.2616% | 2,350 |
| Total domestic deposits to total assets | 80.8170% | 4,165 |
| Equity capital to assets | 16.3098% | 480 |
| Core capital (leverage) ratio | 16.0493% | 471 |
| Tier 1 risk-based capital ratio | 37.8815% | 256 |
| Total risk-based capital ratio | 38.7298% | 260 |
| Memoranda: | ||
| Average total assets | $21,885,600,000 | 78 |
| Average earning assets | $21,570,000,000 | 71 |
| Average equity | $3,260,600,000 | 62 |
| Average total loans | $15,841,800,000 | 73 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1591% | 5,282 |
| Cost of funding earning assets | 0.1329% | 5,414 |
| Net interest margin | 3.0262% | 4,861 |
| Noninterest income to average assets | 0.0536% | 5,600 |
| Noninterest expense to average assets | 0.5415% | 5,719 |
| Loan and lease loss provision to assets | -0.1131% | 5,601 |
| Net operating income to assets | 1.6364% | 654 |
| Return on assets (ROA) | 1.6364% | 677 |
| Pretax return on assets | 2.6064% | 179 |
| Return on Equity (ROE) | 11.2188% | 1,600 |
| Retained earnings to average equity (ytd only) | 3.4676% | 3,859 |
| Net charge-offs to loans | -0.0082% | 4,577 |
| Credit loss provision to net charge-offs | 1,900.0000% | 211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.0980% | 5,726 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 69.0909% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5053% | 5,459 |
| Loan loss allowance to noncurrent loans | 36.5385% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0586% | 1,583 |
| Noncurrent loans to loans | 1.3828% | 1,356 |
| Net loans and leases to total assets | 73.6915% | 1,968 |
| Net loans and leases to deposits | 90.8738% | 1,702 |
| Net loans and leases to core deposits | 94.2859% | 2,248 |
| Total domestic deposits to total assets | 81.0921% | 4,021 |
| Equity capital to assets | 16.2391% | 506 |
| Core capital (leverage) ratio | 15.6005% | 562 |
| Tier 1 risk-based capital ratio | 36.5949% | 288 |
| Total risk-based capital ratio | 37.4428% | 292 |
| Memoranda: | ||
| Average total assets | $22,406,000,000 | 75 |
| Average earning assets | $22,073,250,000 | 68 |
| Average equity | $3,268,250,000 | 60 |
| Average total loans | $16,207,500,000 | 70 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1090% | 5,338 |
| Cost of funding earning assets | 0.0351% | 5,738 |
| Net interest margin | 3.0739% | 4,740 |
| Noninterest income to average assets | 0.0260% | 5,691 |
| Noninterest expense to average assets | 0.5280% | 5,768 |
| Loan and lease loss provision to assets | -0.0779% | 5,628 |
| Net operating income to assets | 1.6360% | 640 |
| Return on assets (ROA) | 1.6360% | 662 |
| Pretax return on assets | 2.6055% | 185 |
| Return on Equity (ROE) | 11.6010% | 1,426 |
| Retained earnings to average equity (ytd only) | 5.4629% | 2,430 |
| Net charge-offs to loans | 0.0603% | 2,067 |
| Credit loss provision to net charge-offs | -180.0000% | 4,449 |
| Earnings coverage of net charge-offs (x) | 58.4000% | 971 |
| Efficiency ratio | 14.7309% | 5,774 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 52.9101% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5052% | 5,512 |
| Loan loss allowance to noncurrent loans | 42.3280% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9134% | 1,932 |
| Noncurrent loans to loans | 1.1936% | 1,632 |
| Net loans and leases to total assets | 73.0514% | 2,031 |
| Net loans and leases to deposits | 88.9159% | 1,872 |
| Net loans and leases to core deposits | 92.3505% | 2,310 |
| Total domestic deposits to total assets | 82.1579% | 3,847 |
| Equity capital to assets | 15.3104% | 651 |
| Core capital (leverage) ratio | 14.4902% | 743 |
| Tier 1 risk-based capital ratio | 34.7237% | 317 |
| Total risk-based capital ratio | 35.5706% | 315 |
| Memoranda: | ||
| Average total assets | $23,105,000,000 | 71 |
| Average earning assets | $22,772,666,670 | 66 |
| Average equity | $3,258,333,330 | 60 |
| Average total loans | $16,596,000,000 | 67 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0412% | 5,420 |
| Cost of funding earning assets | 0.0340% | 5,806 |
| Net interest margin | 3.0072% | 4,879 |
| Noninterest income to average assets | 0.0168% | 5,784 |
| Noninterest expense to average assets | 0.5026% | 5,839 |
| Loan and lease loss provision to assets | -0.1005% | 5,751 |
| Net operating income to assets | 1.6252% | 644 |
| Return on assets (ROA) | 1.6252% | 661 |
| Pretax return on assets | 2.5802% | 196 |
| Return on Equity (ROE) | 11.9883% | 1,240 |
| Retained earnings to average equity (ytd only) | 5.8087% | 2,438 |
| Net charge-offs to loans | 0.0471% | 1,910 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 695 |
| Efficiency ratio | 14.0449% | 5,845 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5115% | 5,590 |
| Loan loss allowance to noncurrent loans | 39.9061% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 1,982 |
| Noncurrent loans to loans | 1.2817% | 1,572 |
| Net loans and leases to total assets | 69.6302% | 2,449 |
| Net loans and leases to deposits | 83.0846% | 2,385 |
| Net loans and leases to core deposits | 86.2711% | 2,689 |
| Total domestic deposits to total assets | 83.8064% | 3,548 |
| Equity capital to assets | 13.7298% | 995 |
| Core capital (leverage) ratio | 13.5384% | 964 |
| Tier 1 risk-based capital ratio | 32.7694% | 389 |
| Total risk-based capital ratio | 33.6305% | 395 |
| Memoranda: | ||
| Average total assets | $23,874,000,000 | 69 |
| Average earning assets | $23,543,500,000 | 64 |
| Average equity | $3,236,500,000 | 59 |
| Average total loans | $16,976,500,000 | 67 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8183% | 5,633 |
| Cost of funding earning assets | 0.0267% | 5,865 |
| Net interest margin | 2.7916% | 5,307 |
| Noninterest income to average assets | -0.0087% | 5,869 |
| Noninterest expense to average assets | 0.4900% | 5,891 |
| Loan and lease loss provision to assets | -0.0437% | 5,571 |
| Net operating income to assets | 1.4392% | 937 |
| Return on assets (ROA) | 1.4392% | 962 |
| Pretax return on assets | 2.2879% | 283 |
| Return on Equity (ROE) | 10.4750% | 1,772 |
| Retained earnings to average equity (ytd only) | 5.6992% | 1,883 |
| Net charge-offs to loans | 0.0795% | 2,553 |
| Credit loss provision to net charge-offs | -83.3333% | 4,870 |
| Earnings coverage of net charge-offs (x) | 42.7500% | 1,128 |
| Efficiency ratio | 15.0400% | 5,901 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 45.5927% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5365% | 5,619 |
| Loan loss allowance to noncurrent loans | 41.7040% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 0.9540% | 1,985 |
| Noncurrent loans to loans | 1.2864% | 1,589 |
| Net loans and leases to total assets | 71.8297% | 2,191 |
| Net loans and leases to deposits | 85.1835% | 2,280 |
| Net loans and leases to core deposits | 88.5795% | 2,621 |
| Total domestic deposits to total assets | 84.3234% | 3,305 |
| Equity capital to assets | 13.3853% | 1,098 |
| Core capital (leverage) ratio | 13.6671% | 909 |
| Tier 1 risk-based capital ratio | 30.8369% | 450 |
| Total risk-based capital ratio | 31.7356% | 459 |
| Memoranda: | ||
| Average total assets | $22,859,400,000 | 68 |
| Average earning assets | $22,460,600,000 | 64 |
| Average equity | $3,140,800,000 | 59 |
| Average total loans | $15,093,000,000 | 67 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8757% | 5,671 |
| Cost of funding earning assets | 0.0241% | 5,934 |
| Net interest margin | 2.8516% | 5,264 |
| Noninterest income to average assets | -0.0236% | 5,944 |
| Noninterest expense to average assets | 0.4962% | 5,962 |
| Loan and lease loss provision to assets | -0.0532% | 5,723 |
| Net operating income to assets | 1.4530% | 970 |
| Return on assets (ROA) | 1.4530% | 1,016 |
| Pretax return on assets | 2.3331% | 295 |
| Return on Equity (ROE) | 10.5033% | 1,865 |
| Retained earnings to average equity (ytd only) | 6.2337% | 2,043 |
| Net charge-offs to loans | 0.1009% | 1,935 |
| Credit loss provision to net charge-offs | -81.8182% | 4,732 |
| Earnings coverage of net charge-offs (x) | 35.0909% | 1,343 |
| Efficiency ratio | 14.8936% | 5,969 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 5,385 |
| Loan loss allowance to noncurrent loans | 40.5983% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 1,916 |
| Noncurrent loans to loans | 1.7757% | 1,167 |
| Net loans and leases to total assets | 57.4572% | 4,143 |
| Net loans and leases to deposits | 68.8506% | 4,084 |
| Net loans and leases to core deposits | 71.8688% | 4,171 |
| Total domestic deposits to total assets | 83.4519% | 3,423 |
| Equity capital to assets | 13.9657% | 1,049 |
| Core capital (leverage) ratio | 13.8761% | 887 |
| Tier 1 risk-based capital ratio | 38.7449% | 248 |
| Total risk-based capital ratio | 39.9116% | 250 |
| Memoranda: | ||
| Average total assets | $22,573,250,000 | 69 |
| Average earning assets | $22,162,500,000 | 65 |
| Average equity | $3,122,750,000 | 60 |
| Average total loans | $14,532,500,000 | 72 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9628% | 5,676 |
| Cost of funding earning assets | 0.0272% | 6,009 |
| Net interest margin | 2.9356% | 5,196 |
| Noninterest income to average assets | -0.0444% | 6,030 |
| Noninterest expense to average assets | 0.4710% | 6,041 |
| Loan and lease loss provision to assets | -0.0355% | 5,808 |
| Net operating income to assets | 1.4928% | 904 |
| Return on assets (ROA) | 1.4928% | 945 |
| Pretax return on assets | 2.3992% | 255 |
| Return on Equity (ROE) | 10.8259% | 1,706 |
| Retained earnings to average equity (ytd only) | 7.6039% | 1,337 |
| Net charge-offs to loans | 0.1201% | 1,630 |
| Credit loss provision to net charge-offs | -44.4444% | 4,518 |
| Earnings coverage of net charge-offs (x) | 29.5556% | 1,398 |
| Efficiency ratio | 13.7931% | 6,049 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 29.7619% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7177% | 5,485 |
| Loan loss allowance to noncurrent loans | 40.7258% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 1,801 |
| Noncurrent loans to loans | 1.7624% | 1,190 |
| Net loans and leases to total assets | 62.8249% | 3,526 |
| Net loans and leases to deposits | 75.5679% | 3,431 |
| Net loans and leases to core deposits | 78.9813% | 3,554 |
| Total domestic deposits to total assets | 83.1370% | 3,598 |
| Equity capital to assets | 14.1739% | 971 |
| Core capital (leverage) ratio | 13.9315% | 841 |
| Tier 1 risk-based capital ratio | 36.0365% | 307 |
| Total risk-based capital ratio | 37.2015% | 305 |
| Memoranda: | ||
| Average total assets | $22,507,666,670 | 70 |
| Average earning assets | $22,074,000,000 | 66 |
| Average equity | $3,103,666,670 | 61 |
| Average total loans | $14,984,000,000 | 69 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0133% | 5,681 |
| Cost of funding earning assets | 0.0361% | 6,064 |
| Net interest margin | 2.9772% | 5,169 |
| Noninterest income to average assets | 0.0530% | 5,960 |
| Noninterest expense to average assets | 0.4593% | 6,105 |
| Loan and lease loss provision to assets | -0.0707% | 5,964 |
| Net operating income to assets | 1.6076% | 690 |
| Return on assets (ROA) | 1.6076% | 734 |
| Pretax return on assets | 2.5792% | 213 |
| Return on Equity (ROE) | 11.8201% | 1,366 |
| Retained earnings to average equity (ytd only) | 11.8201% | 530 |
| Net charge-offs to loans | 0.0777% | 1,713 |
| Credit loss provision to net charge-offs | -133.3333% | 4,277 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 913 |
| Efficiency ratio | 12.5000% | 6,112 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7135% | 5,569 |
| Loan loss allowance to noncurrent loans | 39.0511% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 1,731 |
| Noncurrent loans to loans | 1.8272% | 1,219 |
| Net loans and leases to total assets | 65.3141% | 3,063 |
| Net loans and leases to deposits | 78.3302% | 2,967 |
| Net loans and leases to core deposits | 81.9292% | 3,131 |
| Total domestic deposits to total assets | 83.3830% | 3,758 |
| Equity capital to assets | 13.7085% | 1,084 |
| Core capital (leverage) ratio | 13.6524% | 929 |
| Tier 1 risk-based capital ratio | 33.5720% | 377 |
| Total risk-based capital ratio | 34.7326% | 374 |
| Memoranda: | ||
| Average total assets | $22,642,500,000 | 70 |
| Average earning assets | $22,168,500,000 | 65 |
| Average equity | $3,079,500,000 | 61 |
| Average total loans | $15,440,000,000 | 69 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8425% | 5,854 |
| Cost of funding earning assets | 0.0676% | 6,071 |
| Net interest margin | 2.7749% | 5,561 |
| Noninterest income to average assets | 0.2088% | 5,346 |
| Noninterest expense to average assets | 0.4463% | 6,161 |
| Loan and lease loss provision to assets | -0.0901% | 5,838 |
| Net operating income to assets | 1.5028% | 863 |
| Return on assets (ROA) | 1.5028% | 894 |
| Pretax return on assets | 2.5429% | 186 |
| Return on Equity (ROE) | 12.8971% | 1,081 |
| Retained earnings to average equity (ytd only) | 12.8971% | 208 |
| Net charge-offs to loans | 0.1219% | 2,154 |
| Credit loss provision to net charge-offs | -115.7895% | 5,172 |
| Earnings coverage of net charge-offs (x) | 31.5263% | 1,402 |
| Efficiency ratio | 12.8531% | 6,172 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7114% | 5,618 |
| Loan loss allowance to noncurrent loans | 35.4232% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.4807% | 1,374 |
| Noncurrent loans to loans | 2.0083% | 1,036 |
| Net loans and leases to total assets | 70.1276% | 2,347 |
| Net loans and leases to deposits | 84.8314% | 2,263 |
| Net loans and leases to core deposits | 88.8657% | 2,513 |
| Total domestic deposits to total assets | 82.6671% | 3,953 |
| Equity capital to assets | 13.4910% | 1,132 |
| Core capital (leverage) ratio | 13.0254% | 1,142 |
| Tier 1 risk-based capital ratio | 31.0100% | 464 |
| Total risk-based capital ratio | 32.1734% | 465 |
| Memoranda: | ||
| Average total assets | $24,420,600,000 | 63 |
| Average earning assets | $23,676,400,000 | 60 |
| Average equity | $2,845,600,000 | 64 |
| Average total loans | $15,582,400,000 | 63 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7704% | 5,980 |
| Cost of funding earning assets | 0.0774% | 6,131 |
| Net interest margin | 2.6930% | 5,732 |
| Noninterest income to average assets | 0.2356% | 5,243 |
| Noninterest expense to average assets | 0.4444% | 6,254 |
| Loan and lease loss provision to assets | -0.0910% | 5,984 |
| Net operating income to assets | 1.4402% | 1,026 |
| Return on assets (ROA) | 1.4402% | 1,073 |
| Pretax return on assets | 2.4895% | 242 |
| Return on Equity (ROE) | 12.8161% | 1,169 |
| Retained earnings to average equity (ytd only) | 12.8161% | 293 |
| Net charge-offs to loans | 0.1376% | 1,752 |
| Credit loss provision to net charge-offs | -106.2500% | 5,065 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,561 |
| Efficiency ratio | 12.9944% | 6,259 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7170% | 5,692 |
| Loan loss allowance to noncurrent loans | 35.0725% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 1.5435% | 1,448 |
| Noncurrent loans to loans | 2.0443% | 1,126 |
| Net loans and leases to total assets | 71.8390% | 2,085 |
| Net loans and leases to deposits | 97.1079% | 899 |
| Net loans and leases to core deposits | 102.1335% | 1,375 |
| Total domestic deposits to total assets | 73.9785% | 5,715 |
| Equity capital to assets | 12.5884% | 1,694 |
| Core capital (leverage) ratio | 12.3547% | 1,487 |
| Tier 1 risk-based capital ratio | 28.0108% | 622 |
| Total risk-based capital ratio | 29.1747% | 611 |
| Memoranda: | ||
| Average total assets | $24,903,500,000 | 63 |
| Average earning assets | $24,111,250,000 | 59 |
| Average equity | $2,798,500,000 | 64 |
| Average total loans | $15,507,000,000 | 63 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8500% | 5,983 |
| Cost of funding earning assets | 0.0814% | 6,192 |
| Net interest margin | 2.7685% | 5,678 |
| Noninterest income to average assets | 0.2045% | 5,458 |
| Noninterest expense to average assets | 0.4326% | 6,329 |
| Loan and lease loss provision to assets | -0.0393% | 6,011 |
| Net operating income to assets | 1.3842% | 1,125 |
| Return on assets (ROA) | 1.3842% | 1,162 |
| Pretax return on assets | 2.4852% | 256 |
| Return on Equity (ROE) | 12.7876% | 1,160 |
| Retained earnings to average equity (ytd only) | 12.7876% | 326 |
| Net charge-offs to loans | 0.1860% | 1,343 |
| Credit loss provision to net charge-offs | -35.7143% | 4,775 |
| Earnings coverage of net charge-offs (x) | 22.2143% | 1,653 |
| Efficiency ratio | 12.5683% | 6,335 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 4,794 |
| Loan loss allowance to noncurrent loans | 32.9268% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 1.8422% | 1,243 |
| Noncurrent loans to loans | 3.0829% | 634 |
| Net loans and leases to total assets | 56.5270% | 4,276 |
| Net loans and leases to deposits | 80.7261% | 2,694 |
| Net loans and leases to core deposits | 85.3752% | 2,836 |
| Total domestic deposits to total assets | 70.0232% | 6,036 |
| Equity capital to assets | 12.2080% | 1,870 |
| Core capital (leverage) ratio | 11.0788% | 2,346 |
| Tier 1 risk-based capital ratio | 33.6801% | 401 |
| Total risk-based capital ratio | 34.9354% | 397 |
| Memoranda: | ||
| Average total assets | $25,430,333,330 | 60 |
| Average earning assets | $24,561,666,670 | 56 |
| Average equity | $2,752,666,670 | 64 |
| Average total loans | $15,050,666,670 | 65 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7339% | 6,107 |
| Cost of funding earning assets | 0.0777% | 6,275 |
| Net interest margin | 2.6563% | 5,853 |
| Noninterest income to average assets | 0.2868% | 4,874 |
| Noninterest expense to average assets | 0.4226% | 6,403 |
| Loan and lease loss provision to assets | -0.0453% | 6,146 |
| Net operating income to assets | 1.2226% | 1,482 |
| Return on assets (ROA) | 1.2226% | 1,572 |
| Pretax return on assets | 2.4904% | 245 |
| Return on Equity (ROE) | 11.9668% | 1,357 |
| Retained earnings to average equity (ytd only) | 11.9668% | 579 |
| Net charge-offs to loans | 0.1507% | 1,349 |
| Credit loss provision to net charge-offs | -50.0000% | 4,399 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 1,223 |
| Efficiency ratio | 12.1053% | 6,405 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 5,116 |
| Loan loss allowance to noncurrent loans | 32.2940% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 1.7538% | 1,407 |
| Noncurrent loans to loans | 3.0447% | 702 |
| Net loans and leases to total assets | 54.6032% | 4,355 |
| Net loans and leases to deposits | 73.7512% | 3,343 |
| Net loans and leases to core deposits | 77.3002% | 3,448 |
| Total domestic deposits to total assets | 74.0371% | 5,900 |
| Equity capital to assets | 10.2760% | 3,797 |
| Core capital (leverage) ratio | 10.3956% | 3,105 |
| Tier 1 risk-based capital ratio | 30.4694% | 518 |
| Total risk-based capital ratio | 31.7240% | 514 |
| Memoranda: | ||
| Average total assets | $26,501,500,000 | 59 |
| Average earning assets | $25,750,500,000 | 55 |
| Average equity | $2,707,500,000 | 65 |
| Average total loans | $15,926,500,000 | 59 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2419% | 5,778 |
| Cost of funding earning assets | 0.0961% | 6,338 |
| Net interest margin | 3.1458% | 5,081 |
| Noninterest income to average assets | 0.1965% | 5,679 |
| Noninterest expense to average assets | 0.5302% | 6,483 |
| Loan and lease loss provision to assets | -0.3670% | 6,409 |
| Net operating income to assets | 1.9575% | 351 |
| Return on assets (ROA) | 1.9575% | 365 |
| Pretax return on assets | 3.0661% | 107 |
| Return on Equity (ROE) | 22.0183% | 177 |
| Retained earnings to average equity (ytd only) | 22.0183% | 53 |
| Net charge-offs to loans | 0.0682% | 3,503 |
| Credit loss provision to net charge-offs | -761.5385% | 5,860 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 841 |
| Efficiency ratio | 14.3513% | 6,498 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 5,474 |
| Loan loss allowance to noncurrent loans | 29.9611% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.0334% | 1,246 |
| Noncurrent loans to loans | 3.0048% | 745 |
| Net loans and leases to total assets | 64.5520% | 3,137 |
| Net loans and leases to deposits | 84.8703% | 2,116 |
| Net loans and leases to core deposits | 89.1132% | 2,370 |
| Total domestic deposits to total assets | 76.0596% | 5,720 |
| Equity capital to assets | 10.1557% | 3,914 |
| Core capital (leverage) ratio | 11.1588% | 2,250 |
| Tier 1 risk-based capital ratio | 26.6720% | 710 |
| Total risk-based capital ratio | 27.9393% | 691 |
| Memoranda: | ||
| Average total assets | $26,972,800,000 | 52 |
| Average earning assets | $26,003,000,000 | 49 |
| Average equity | $2,398,000,000 | 67 |
| Average total loans | $19,065,000,000 | 45 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3177% | 5,735 |
| Cost of funding earning assets | 0.1019% | 6,409 |
| Net interest margin | 3.2157% | 4,910 |
| Noninterest income to average assets | 0.1522% | 6,006 |
| Noninterest expense to average assets | 0.5451% | 6,569 |
| Loan and lease loss provision to assets | -0.2799% | 6,445 |
| Net operating income to assets | 1.8906% | 428 |
| Return on assets (ROA) | 1.8906% | 442 |
| Pretax return on assets | 2.9857% | 118 |
| Return on Equity (ROE) | 22.0238% | 190 |
| Retained earnings to average equity (ytd only) | 22.0238% | 52 |
| Net charge-offs to loans | 0.1705% | 2,091 |
| Credit loss provision to net charge-offs | -228.0000% | 5,593 |
| Earnings coverage of net charge-offs (x) | 22.0400% | 1,650 |
| Efficiency ratio | 14.6526% | 6,578 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 5,195 |
| Loan loss allowance to noncurrent loans | 30.4132% | 5,716 |
| Noncurrent assets plus other real estate owned to assets | 2.4747% | 1,077 |
| Noncurrent loans to loans | 3.3047% | 755 |
| Net loans and leases to total assets | 71.5306% | 1,929 |
| Net loans and leases to deposits | 112.1820% | 177 |
| Net loans and leases to core deposits | 119.1597% | 415 |
| Total domestic deposits to total assets | 63.7630% | 6,439 |
| Equity capital to assets | 9.9621% | 4,210 |
| Core capital (leverage) ratio | 9.6830% | 4,107 |
| Tier 1 risk-based capital ratio | 23.4480% | 1,054 |
| Total risk-based capital ratio | 24.7102% | 1,038 |
| Memoranda: | ||
| Average total assets | $27,150,750,000 | 52 |
| Average earning assets | $26,162,250,000 | 50 |
| Average equity | $2,330,750,000 | 68 |
| Average total loans | $19,554,750,000 | 45 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3051% | 5,781 |
| Cost of funding earning assets | 0.1044% | 6,469 |
| Net interest margin | 3.2006% | 4,946 |
| Noninterest income to average assets | 0.0793% | 6,351 |
| Noninterest expense to average assets | 0.4828% | 6,632 |
| Loan and lease loss provision to assets | -0.2666% | 6,514 |
| Net operating income to assets | 1.8735% | 432 |
| Return on assets (ROA) | 1.8735% | 445 |
| Pretax return on assets | 2.9544% | 120 |
| Return on Equity (ROE) | 22.9446% | 165 |
| Retained earnings to average equity (ytd only) | 22.9446% | 57 |
| Net charge-offs to loans | 0.1602% | 2,108 |
| Credit loss provision to net charge-offs | -231.2500% | 5,419 |
| Earnings coverage of net charge-offs (x) | 23.3125% | 1,476 |
| Efficiency ratio | 13.1818% | 6,646 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 5,083 |
| Loan loss allowance to noncurrent loans | 29.5014% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 2.7905% | 939 |
| Noncurrent loans to loans | 3.5837% | 731 |
| Net loans and leases to total assets | 74.6648% | 1,355 |
| Net loans and leases to deposits | 123.4074% | 65 |
| Net loans and leases to core deposits | 132.2760% | 210 |
| Total domestic deposits to total assets | 60.5027% | 6,555 |
| Equity capital to assets | 8.9857% | 5,316 |
| Core capital (leverage) ratio | 8.3474% | 5,803 |
| Tier 1 risk-based capital ratio | 20.8691% | 1,470 |
| Total risk-based capital ratio | 22.1307% | 1,448 |
| Memoranda: | ||
| Average total assets | $27,755,666,670 | 52 |
| Average earning assets | $26,807,333,330 | 51 |
| Average equity | $2,266,333,330 | 69 |
| Average total loans | $19,970,666,670 | 44 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1358% | 6,078 |
| Cost of funding earning assets | 0.1021% | 6,560 |
| Net interest margin | 3.0337% | 5,434 |
| Noninterest income to average assets | 0.0283% | 6,543 |
| Noninterest expense to average assets | 0.4808% | 6,714 |
| Loan and lease loss provision to assets | -0.2263% | 6,582 |
| Net operating income to assets | 1.7253% | 546 |
| Return on assets (ROA) | 1.7253% | 567 |
| Pretax return on assets | 2.7153% | 177 |
| Return on Equity (ROE) | 22.1818% | 192 |
| Retained earnings to average equity (ytd only) | 22.1818% | 83 |
| Net charge-offs to loans | 0.3018% | 1,160 |
| Credit loss provision to net charge-offs | -106.6667% | 4,846 |
| Earnings coverage of net charge-offs (x) | 11.7333% | 1,764 |
| Efficiency ratio | 13.8095% | 6,719 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 5,093 |
| Loan loss allowance to noncurrent loans | 25.2417% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 3.2460% | 830 |
| Noncurrent loans to loans | 4.3789% | 571 |
| Net loans and leases to total assets | 71.6169% | 1,630 |
| Net loans and leases to deposits | 124.2231% | 51 |
| Net loans and leases to core deposits | 133.4560% | 159 |
| Total domestic deposits to total assets | 57.6518% | 6,646 |
| Equity capital to assets | 7.7012% | 6,232 |
| Core capital (leverage) ratio | 7.7849% | 6,228 |
| Tier 1 risk-based capital ratio | 19.0379% | 1,955 |
| Total risk-based capital ratio | 20.3020% | 1,918 |
| Memoranda: | ||
| Average total assets | $28,284,500,000 | 50 |
| Average earning assets | $27,425,500,000 | 49 |
| Average equity | $2,200,000,000 | 69 |
| Average total loans | $19,882,500,000 | 45 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8578% | 4,617 |
| Cost of funding earning assets | 0.1255% | 6,618 |
| Net interest margin | 3.7323% | 2,933 |
| Noninterest income to average assets | 0.0626% | 6,514 |
| Noninterest expense to average assets | 0.4383% | 6,788 |
| Loan and lease loss provision to assets | 0.4070% | 733 |
| Net operating income to assets | 1.7709% | 510 |
| Return on assets (ROA) | 1.7709% | 526 |
| Pretax return on assets | 2.8085% | 145 |
| Return on Equity (ROE) | 20.5517% | 257 |
| Retained earnings to average equity (ytd only) | 20.5517% | 80 |
| Net charge-offs to loans | 0.7717% | 816 |
| Credit loss provision to net charge-offs | 71.6535% | 3,256 |
| Earnings coverage of net charge-offs (x) | 5.6614% | 3,245 |
| Efficiency ratio | 10.2815% | 6,803 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 3,481 |
| Loan loss allowance to noncurrent loans | 28.0887% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 3.5502% | 814 |
| Noncurrent loans to loans | 5.1178% | 475 |
| Net loans and leases to total assets | 67.0268% | 2,514 |
| Net loans and leases to deposits | 106.0287% | 259 |
| Net loans and leases to core deposits | 114.1873% | 468 |
| Total domestic deposits to total assets | 63.2157% | 6,681 |
| Equity capital to assets | 7.8611% | 6,109 |
| Core capital (leverage) ratio | 7.5377% | 6,356 |
| Tier 1 risk-based capital ratio | 20.4782% | 1,544 |
| Total risk-based capital ratio | 21.7587% | 1,513 |
| Memoranda: | ||
| Average total assets | $22,360,979,800 | 59 |
| Average earning assets | $21,514,692,200 | 53 |
| Average equity | $1,926,850,800 | 72 |
| Average total loans | $16,456,200,600 | 48 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 4,138 |
| Cost of funding earning assets | 0.1379% | 6,679 |
| Net interest margin | 3.8606% | 2,416 |
| Noninterest income to average assets | 0.0693% | 6,577 |
| Noninterest expense to average assets | 0.4224% | 6,867 |
| Loan and lease loss provision to assets | 0.5422% | 488 |
| Net operating income to assets | 1.7715% | 557 |
| Return on assets (ROA) | 1.7715% | 586 |
| Pretax return on assets | 2.8118% | 166 |
| Return on Equity (ROE) | 19.9944% | 298 |
| Retained earnings to average equity (ytd only) | 19.9944% | 80 |
| Net charge-offs to loans | 0.8613% | 677 |
| Credit loss provision to net charge-offs | 83.4951% | 2,763 |
| Earnings coverage of net charge-offs (x) | 5.1650% | 3,266 |
| Efficiency ratio | 9.6828% | 6,882 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 3,672 |
| Loan loss allowance to noncurrent loans | 26.0750% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 4.3628% | 696 |
| Noncurrent loans to loans | 5.5726% | 487 |
| Net loans and leases to total assets | 75.5629% | 1,057 |
| Net loans and leases to deposits | 112.6661% | 126 |
| Net loans and leases to core deposits | 123.2795% | 271 |
| Total domestic deposits to total assets | 67.0680% | 6,683 |
| Equity capital to assets | 7.9124% | 6,205 |
| Core capital (leverage) ratio | 7.2359% | 6,533 |
| Tier 1 risk-based capital ratio | 19.1247% | 1,948 |
| Total risk-based capital ratio | 20.4049% | 1,912 |
| Memoranda: | ||
| Average total assets | $21,148,724,750 | 61 |
| Average earning assets | $20,307,115,250 | 59 |
| Average equity | $1,873,813,500 | 74 |
| Average total loans | $15,944,250,750 | 50 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 3,621 |
| Cost of funding earning assets | 0.1593% | 6,673 |
| Net interest margin | 3.9715% | 1,960 |
| Noninterest income to average assets | 0.0712% | 6,609 |
| Noninterest expense to average assets | 0.3660% | 6,925 |
| Loan and lease loss provision to assets | 0.7320% | 302 |
| Net operating income to assets | 1.7487% | 574 |
| Return on assets (ROA) | 1.7487% | 618 |
| Pretax return on assets | 2.7756% | 187 |
| Return on Equity (ROE) | 18.8622% | 396 |
| Retained earnings to average equity (ytd only) | 18.8622% | 109 |
| Net charge-offs to loans | 1.0597% | 569 |
| Credit loss provision to net charge-offs | 92.3077% | 2,386 |
| Earnings coverage of net charge-offs (x) | 4.4231% | 3,137 |
| Efficiency ratio | 8.1365% | 6,929 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9362% | 1,998 |
| Loan loss allowance to noncurrent loans | 25.1487% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 4.4342% | 744 |
| Noncurrent loans to loans | 7.6988% | 275 |
| Net loans and leases to total assets | 55.1684% | 4,428 |
| Net loans and leases to deposits | 86.4890% | 1,515 |
| Net loans and leases to core deposits | 102.8681% | 891 |
| Total domestic deposits to total assets | 63.7866% | 6,799 |
| Equity capital to assets | 7.0469% | 6,594 |
| Core capital (leverage) ratio | 7.1426% | 6,578 |
| Tier 1 risk-based capital ratio | 19.8969% | 1,743 |
| Total risk-based capital ratio | 21.1802% | 1,704 |
| Memoranda: | ||
| Average total assets | $19,671,633,000 | 63 |
| Average earning assets | $18,834,153,670 | 60 |
| Average equity | $1,823,751,330 | 75 |
| Average total loans | $14,721,001,000 | 55 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7891% | 1,311 |
| Cost of funding earning assets | 0.2381% | 6,360 |
| Net interest margin | 4.5509% | 622 |
| Noninterest income to average assets | 0.1256% | 6,472 |
| Noninterest expense to average assets | 0.3015% | 7,006 |
| Loan and lease loss provision to assets | 1.3568% | 112 |
| Net operating income to assets | 1.7588% | 509 |
| Return on assets (ROA) | 1.7588% | 566 |
| Pretax return on assets | 2.7890% | 188 |
| Return on Equity (ROE) | 15.7469% | 646 |
| Retained earnings to average equity (ytd only) | 15.7469% | 302 |
| Net charge-offs to loans | 1.3576% | 409 |
| Credit loss provision to net charge-offs | 110.2041% | 1,691 |
| Earnings coverage of net charge-offs (x) | 3.3673% | 2,780 |
| Efficiency ratio | 6.7797% | 7,009 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1985% | 1,587 |
| Loan loss allowance to noncurrent loans | 25.5408% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 7.7149% | 334 |
| Noncurrent loans to loans | 8.6078% | 289 |
| Net loans and leases to total assets | 85.5219% | 137 |
| Net loans and leases to deposits | 171.0332% | 16 |
| Net loans and leases to core deposits | 171.0332% | 57 |
| Total domestic deposits to total assets | 50.0031% | 6,952 |
| Equity capital to assets | 11.3532% | 2,578 |
| Core capital (leverage) ratio | 10.4713% | 2,819 |
| Tier 1 risk-based capital ratio | 21.4861% | 1,431 |
| Total risk-based capital ratio | 22.7779% | 1,391 |
| Memoranda: | ||
| Average total assets | $15,919,949,500 | 76 |
| Average earning assets | $15,117,730,500 | 72 |
| Average equity | $1,778,127,000 | 77 |
| Average total loans | $14,437,501,500 | 56 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 1,432 |
| Cost of funding earning assets | 0.2636% | 6,616 |
| Net interest margin | 4.7861% | 556 |
| Noninterest income to average assets | 0.1677% | 6,194 |
| Noninterest expense to average assets | 0.3848% | 7,051 |
| Loan and lease loss provision to assets | 1.5129% | 212 |
| Net operating income to assets | 1.7700% | 539 |
| Return on assets (ROA) | 1.7700% | 604 |
| Pretax return on assets | 2.8015% | 172 |
| Return on Equity (ROE) | 14.6237% | 887 |
| Retained earnings to average equity (ytd only) | -12.9261% | 6,727 |
| Net charge-offs to loans | 1.5817% | 540 |
| Credit loss provision to net charge-offs | 101.1426% | 2,994 |
| Earnings coverage of net charge-offs (x) | 2.8844% | 3,990 |
| Efficiency ratio | 8.1881% | 7,071 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 188.3911% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 1,955 |
| Loan loss allowance to noncurrent loans | 25.4555% | 6,229 |
| Noncurrent assets plus other real estate owned to assets | 7.7200% | 383 |
| Noncurrent loans to loans | 7.9539% | 365 |
| Net loans and leases to total assets | 92.0496% | 20 |
| Net loans and leases to deposits | 117.0095% | 88 |
| Net loans and leases to core deposits | 117.0095% | 337 |
| Total domestic deposits to total assets | 78.6685% | 5,958 |
| Equity capital to assets | 10.9840% | 2,970 |
| Core capital (leverage) ratio | 10.2207% | 3,111 |
| Tier 1 risk-based capital ratio | 19.9470% | 1,693 |
| Total risk-based capital ratio | 21.2344% | 1,658 |
| Memoranda: | ||
| Average total assets | $16,869,150,200 | 68 |
| Average earning assets | $15,971,624,000 | 65 |
| Average equity | $2,041,758,600 | 68 |
| Average total loans | $15,952,348,600 | 48 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0079% | 1,679 |
| Cost of funding earning assets | 0.2680% | 6,739 |
| Net interest margin | 4.7399% | 619 |
| Noninterest income to average assets | 0.1717% | 6,279 |
| Noninterest expense to average assets | 0.3883% | 7,163 |
| Loan and lease loss provision to assets | 1.6355% | 180 |
| Net operating income to assets | 1.6641% | 743 |
| Return on assets (ROA) | 1.6641% | 822 |
| Pretax return on assets | 2.6341% | 239 |
| Return on Equity (ROE) | 13.4603% | 1,235 |
| Retained earnings to average equity (ytd only) | 13.4603% | 355 |
| Net charge-offs to loans | 1.4941% | 573 |
| Credit loss provision to net charge-offs | 115.5822% | 2,515 |
| Earnings coverage of net charge-offs (x) | 3.0174% | 3,827 |
| Efficiency ratio | 8.3364% | 7,170 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0519% | 2,029 |
| Loan loss allowance to noncurrent loans | 28.0143% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 7.1914% | 493 |
| Noncurrent loans to loans | 7.3246% | 479 |
| Net loans and leases to total assets | 92.6143% | 23 |
| Net loans and leases to deposits | 117.6108% | 87 |
| Net loans and leases to core deposits | 117.6108% | 355 |
| Total domestic deposits to total assets | 78.7464% | 5,928 |
| Equity capital to assets | 13.1635% | 1,513 |
| Core capital (leverage) ratio | 12.6204% | 1,354 |
| Tier 1 risk-based capital ratio | 23.2321% | 1,141 |
| Total risk-based capital ratio | 24.5209% | 1,111 |
| Memoranda: | ||
| Average total assets | $17,118,713,000 | 69 |
| Average earning assets | $16,202,664,750 | 65 |
| Average equity | $2,116,384,750 | 69 |
| Average total loans | $16,212,685,000 | 49 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 2,050 |
| Cost of funding earning assets | 0.2803% | 6,798 |
| Net interest margin | 4.6334% | 774 |
| Noninterest income to average assets | 0.1476% | 6,457 |
| Noninterest expense to average assets | 0.4275% | 7,222 |
| Loan and lease loss provision to assets | 1.3511% | 289 |
| Net operating income to assets | 1.7384% | 624 |
| Return on assets (ROA) | 1.7384% | 700 |
| Pretax return on assets | 2.7500% | 204 |
| Return on Equity (ROE) | 14.3650% | 1,036 |
| Retained earnings to average equity (ytd only) | 14.3650% | 319 |
| Net charge-offs to loans | 1.2138% | 889 |
| Credit loss provision to net charge-offs | 117.4735% | 2,344 |
| Earnings coverage of net charge-offs (x) | 3.5657% | 3,333 |
| Efficiency ratio | 9.4405% | 7,230 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 2,689 |
| Loan loss allowance to noncurrent loans | 30.2544% | 6,146 |
| Noncurrent assets plus other real estate owned to assets | 6.1523% | 684 |
| Noncurrent loans to loans | 6.1332% | 707 |
| Net loans and leases to total assets | 93.4176% | 13 |
| Net loans and leases to deposits | 135.0789% | 33 |
| Net loans and leases to core deposits | 135.0789% | 175 |
| Total domestic deposits to total assets | 69.1578% | 6,946 |
| Equity capital to assets | 12.0425% | 2,121 |
| Core capital (leverage) ratio | 12.6922% | 1,266 |
| Tier 1 risk-based capital ratio | 20.5763% | 1,554 |
| Total risk-based capital ratio | 21.8600% | 1,535 |
| Memoranda: | ||
| Average total assets | $17,201,244,670 | 68 |
| Average earning assets | $16,264,525,000 | 66 |
| Average equity | $2,081,569,000 | 68 |
| Average total loans | $16,299,449,000 | 49 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 1,471 |
| Cost of funding earning assets | 0.3429% | 6,671 |
| Net interest margin | 4.7948% | 571 |
| Noninterest income to average assets | 0.1724% | 6,344 |
| Noninterest expense to average assets | 0.5637% | 7,281 |
| Loan and lease loss provision to assets | 1.3637% | 269 |
| Net operating income to assets | 1.7493% | 662 |
| Return on assets (ROA) | 1.7493% | 737 |
| Pretax return on assets | 2.7670% | 239 |
| Return on Equity (ROE) | 14.4185% | 1,099 |
| Retained earnings to average equity (ytd only) | 14.4185% | 522 |
| Net charge-offs to loans | 1.0200% | 1,016 |
| Credit loss provision to net charge-offs | 141.4237% | 1,745 |
| Earnings coverage of net charge-offs (x) | 4.2839% | 2,607 |
| Efficiency ratio | 12.0078% | 7,290 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0508% | 2,216 |
| Loan loss allowance to noncurrent loans | 30.5580% | 6,142 |
| Noncurrent assets plus other real estate owned to assets | 6.7591% | 647 |
| Noncurrent loans to loans | 6.7111% | 699 |
| Net loans and leases to total assets | 92.7465% | 17 |
| Net loans and leases to deposits | 146.5406% | 22 |
| Net loans and leases to core deposits | 146.5406% | 120 |
| Total domestic deposits to total assets | 63.2906% | 7,153 |
| Equity capital to assets | 12.7932% | 1,549 |
| Core capital (leverage) ratio | 12.0700% | 1,552 |
| Tier 1 risk-based capital ratio | 21.9522% | 1,296 |
| Total risk-based capital ratio | 23.2423% | 1,259 |
| Memoranda: | ||
| Average total assets | $16,847,418,500 | 70 |
| Average earning assets | $15,888,804,500 | 67 |
| Average equity | $2,044,012,500 | 68 |
| Average total loans | $15,925,988,000 | 49 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 3,471 |
| Cost of funding earning assets | 0.5089% | 6,493 |
| Net interest margin | 4.3673% | 1,485 |
| Noninterest income to average assets | 0.1226% | 6,536 |
| Noninterest expense to average assets | 0.3342% | 7,341 |
| Loan and lease loss provision to assets | 0.8137% | 1,200 |
| Net operating income to assets | 1.9536% | 338 |
| Return on assets (ROA) | 1.9536% | 362 |
| Pretax return on assets | 3.0922% | 118 |
| Return on Equity (ROE) | 19.1608% | 306 |
| Retained earnings to average equity (ytd only) | 19.1608% | 59 |
| Net charge-offs to loans | 1.4955% | 1,070 |
| Credit loss provision to net charge-offs | 57.9334% | 5,226 |
| Earnings coverage of net charge-offs (x) | 2.7808% | 3,833 |
| Efficiency ratio | 7.8821% | 7,349 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 2,815 |
| Loan loss allowance to noncurrent loans | 29.2588% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 6.2152% | 776 |
| Noncurrent loans to loans | 6.2125% | 783 |
| Net loans and leases to total assets | 92.6681% | 19 |
| Net loans and leases to deposits | 171.8917% | 21 |
| Net loans and leases to core deposits | 171.8917% | 88 |
| Total domestic deposits to total assets | 53.9107% | 7,270 |
| Equity capital to assets | 11.5159% | 2,493 |
| Core capital (leverage) ratio | 11.5514% | 1,843 |
| Tier 1 risk-based capital ratio | 19.8246% | 1,678 |
| Total risk-based capital ratio | 21.1097% | 1,639 |
| Memoranda: | ||
| Average total assets | $17,872,217,800 | 67 |
| Average earning assets | $16,850,160,600 | 65 |
| Average equity | $1,822,239,200 | 75 |
| Average total loans | $16,785,779,800 | 48 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 3,832 |
| Cost of funding earning assets | 0.5373% | 6,553 |
| Net interest margin | 4.3026% | 1,704 |
| Noninterest income to average assets | 0.1380% | 6,560 |
| Noninterest expense to average assets | 0.3363% | 7,419 |
| Loan and lease loss provision to assets | 1.0563% | 793 |
| Net operating income to assets | 1.7661% | 551 |
| Return on assets (ROA) | 1.7661% | 606 |
| Pretax return on assets | 2.8037% | 164 |
| Return on Equity (ROE) | 17.8822% | 468 |
| Retained earnings to average equity (ytd only) | 17.8822% | 116 |
| Net charge-offs to loans | 1.7158% | 807 |
| Credit loss provision to net charge-offs | 65.6269% | 4,615 |
| Earnings coverage of net charge-offs (x) | 2.3982% | 3,926 |
| Efficiency ratio | 8.0148% | 7,421 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3317% | 1,639 |
| Loan loss allowance to noncurrent loans | 32.1542% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 7.1299% | 685 |
| Noncurrent loans to loans | 7.2517% | 667 |
| Net loans and leases to total assets | 91.8835% | 21 |
| Net loans and leases to deposits | 205.3881% | 16 |
| Net loans and leases to core deposits | 205.3881% | 64 |
| Total domestic deposits to total assets | 44.7365% | 7,371 |
| Equity capital to assets | 12.6048% | 1,848 |
| Core capital (leverage) ratio | 12.0088% | 1,702 |
| Tier 1 risk-based capital ratio | 23.3153% | 1,105 |
| Total risk-based capital ratio | 24.6213% | 1,073 |
| Memoranda: | ||
| Average total assets | $17,982,884,250 | 65 |
| Average earning assets | $16,962,313,750 | 64 |
| Average equity | $1,776,005,750 | 76 |
| Average total loans | $16,869,561,750 | 47 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 3,911 |
| Cost of funding earning assets | 0.5733% | 6,570 |
| Net interest margin | 4.2662% | 1,785 |
| Noninterest income to average assets | 0.1240% | 6,712 |
| Noninterest expense to average assets | 0.3585% | 7,494 |
| Loan and lease loss provision to assets | 1.4938% | 474 |
| Net operating income to assets | 1.4810% | 927 |
| Return on assets (ROA) | 1.4810% | 984 |
| Pretax return on assets | 2.2983% | 353 |
| Return on Equity (ROE) | 16.1778% | 650 |
| Retained earnings to average equity (ytd only) | 16.1778% | 195 |
| Net charge-offs to loans | 1.8036% | 771 |
| Credit loss provision to net charge-offs | 88.3532% | 3,504 |
| Earnings coverage of net charge-offs (x) | 2.2429% | 3,709 |
| Efficiency ratio | 8.6366% | 7,497 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5599% | 1,352 |
| Loan loss allowance to noncurrent loans | 38.1095% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 6.6345% | 796 |
| Noncurrent loans to loans | 6.7171% | 800 |
| Net loans and leases to total assets | 91.9449% | 24 |
| Net loans and leases to deposits | 173.1416% | 23 |
| Net loans and leases to core deposits | 173.1416% | 93 |
| Total domestic deposits to total assets | 53.1039% | 7,414 |
| Equity capital to assets | 11.2556% | 2,719 |
| Core capital (leverage) ratio | 10.8850% | 2,348 |
| Tier 1 risk-based capital ratio | 21.3496% | 1,355 |
| Total risk-based capital ratio | 22.6622% | 1,322 |
| Memoranda: | ||
| Average total assets | $18,962,636,330 | 63 |
| Average earning assets | $17,897,314,330 | 63 |
| Average equity | $1,735,936,000 | 78 |
| Average total loans | $17,775,210,330 | 46 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9139% | 3,519 |
| Cost of funding earning assets | 0.6031% | 6,604 |
| Net interest margin | 4.3108% | 1,531 |
| Noninterest income to average assets | 0.0622% | 7,087 |
| Noninterest expense to average assets | 0.0879% | 7,569 |
| Loan and lease loss provision to assets | 1.2091% | 580 |
| Net operating income to assets | 1.8253% | 470 |
| Return on assets (ROA) | 1.8253% | 496 |
| Pretax return on assets | 2.8378% | 167 |
| Return on Equity (ROE) | 21.9017% | 247 |
| Retained earnings to average equity (ytd only) | 21.9017% | 135 |
| Net charge-offs to loans | 1.6837% | 787 |
| Credit loss provision to net charge-offs | 76.8077% | 3,222 |
| Earnings coverage of net charge-offs (x) | 2.5707% | 3,051 |
| Efficiency ratio | 2.1263% | 7,561 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4138% | 1,587 |
| Loan loss allowance to noncurrent loans | 33.9354% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 6.7209% | 809 |
| Noncurrent loans to loans | 7.1129% | 763 |
| Net loans and leases to total assets | 87.9208% | 80 |
| Net loans and leases to deposits | 232.8875% | 16 |
| Net loans and leases to core deposits | 232.8875% | 60 |
| Total domestic deposits to total assets | 37.7525% | 7,515 |
| Equity capital to assets | 9.8684% | 3,941 |
| Core capital (leverage) ratio | 8.6871% | 5,102 |
| Tier 1 risk-based capital ratio | 21.0152% | 1,390 |
| Total risk-based capital ratio | 22.3306% | 1,350 |
| Memoranda: | ||
| Average total assets | $20,454,895,500 | 63 |
| Average earning assets | $19,324,822,500 | 58 |
| Average equity | $1,704,686,500 | 78 |
| Average total loans | $19,124,307,000 | 43 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2030% | 3,591 |
| Cost of funding earning assets | 0.6212% | 7,079 |
| Net interest margin | 4.5818% | 1,048 |
| Noninterest income to average assets | 0.0888% | 6,951 |
| Noninterest expense to average assets | 0.0515% | 7,650 |
| Loan and lease loss provision to assets | 2.2624% | 540 |
| Net operating income to assets | 1.3497% | 1,050 |
| Return on assets (ROA) | 1.3497% | 1,131 |
| Pretax return on assets | 2.0978% | 390 |
| Return on Equity (ROE) | 17.9667% | 381 |
| Retained earnings to average equity (ytd only) | -7.6213% | 6,504 |
| Net charge-offs to loans | 1.1265% | 1,978 |
| Credit loss provision to net charge-offs | 214.6738% | 1,410 |
| Earnings coverage of net charge-offs (x) | 4.1372% | 3,046 |
| Efficiency ratio | 1.1680% | 7,645 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 142.4192% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8178% | 2,805 |
| Loan loss allowance to noncurrent loans | 34.4940% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 5.2464% | 1,190 |
| Noncurrent loans to loans | 5.2698% | 1,264 |
| Net loans and leases to total assets | 94.3528% | 9 |
| Net loans and leases to deposits | 4,370,915.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0022% | 7,664 |
| Equity capital to assets | 7.1582% | 7,057 |
| Core capital (leverage) ratio | 8.0607% | 6,092 |
| Tier 1 risk-based capital ratio | 13.8223% | 3,982 |
| Total risk-based capital ratio | 15.1130% | 3,942 |
| Memoranda: | ||
| Average total assets | $24,190,927,000 | 53 |
| Average earning assets | $22,824,116,400 | 51 |
| Average equity | $1,817,260,200 | 71 |
| Average total loans | $22,630,959,000 | 38 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 2,669 |
| Cost of funding earning assets | 0.6318% | 7,217 |
| Net interest margin | 4.8135% | 660 |
| Noninterest income to average assets | 0.0399% | 7,321 |
| Noninterest expense to average assets | 0.0531% | 7,754 |
| Loan and lease loss provision to assets | 2.1510% | 526 |
| Net operating income to assets | 1.5261% | 873 |
| Return on assets (ROA) | 1.5261% | 953 |
| Pretax return on assets | 2.3767% | 283 |
| Return on Equity (ROE) | 20.0907% | 305 |
| Retained earnings to average equity (ytd only) | -13.2944% | 7,017 |
| Net charge-offs to loans | 1.0565% | 1,921 |
| Credit loss provision to net charge-offs | 219.0437% | 1,578 |
| Earnings coverage of net charge-offs (x) | 4.6107% | 2,977 |
| Efficiency ratio | 1.1596% | 7,747 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 166.1717% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 3,323 |
| Loan loss allowance to noncurrent loans | 28.4053% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 5.4230% | 1,150 |
| Noncurrent loans to loans | 5.8178% | 1,110 |
| Net loans and leases to total assets | 89.2922% | 74 |
| Net loans and leases to deposits | 3,887,620.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0023% | 7,770 |
| Equity capital to assets | 7.4020% | 7,180 |
| Core capital (leverage) ratio | 6.5143% | 7,329 |
| Tier 1 risk-based capital ratio | 15.4849% | 3,007 |
| Total risk-based capital ratio | 16.7759% | 2,953 |
| Memoranda: | ||
| Average total assets | $24,448,004,750 | 53 |
| Average earning assets | $23,063,493,000 | 51 |
| Average equity | $1,857,071,000 | 71 |
| Average total loans | $22,723,899,500 | 38 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3080% | 3,435 |
| Cost of funding earning assets | 0.6053% | 7,397 |
| Net interest margin | 4.7027% | 811 |
| Noninterest income to average assets | 0.0495% | 7,335 |
| Noninterest expense to average assets | 0.0420% | 7,824 |
| Loan and lease loss provision to assets | 0.9654% | 1,512 |
| Net operating income to assets | 2.2520% | 208 |
| Return on assets (ROA) | 2.2520% | 232 |
| Pretax return on assets | 3.5061% | 89 |
| Return on Equity (ROE) | 29.4318% | 62 |
| Retained earnings to average equity (ytd only) | 29.4318% | 27 |
| Net charge-offs to loans | 0.8628% | 2,102 |
| Credit loss provision to net charge-offs | 119.5935% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.5392% | 2,644 |
| Efficiency ratio | 0.9303% | 7,814 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5429% | 7,474 |
| Loan loss allowance to noncurrent loans | 11.5575% | 7,226 |
| Noncurrent assets plus other real estate owned to assets | 4.4206% | 1,505 |
| Noncurrent loans to loans | 4.6976% | 1,515 |
| Net loans and leases to total assets | 93.5920% | 15 |
| Net loans and leases to deposits | 4,847,498.4000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0019% | 7,839 |
| Equity capital to assets | 8.0390% | 6,715 |
| Core capital (leverage) ratio | 7.9245% | 6,358 |
| Tier 1 risk-based capital ratio | 15.0342% | 3,140 |
| Total risk-based capital ratio | 15.9896% | 3,280 |
| Memoranda: | ||
| Average total assets | $25,340,976,330 | 53 |
| Average earning assets | $24,054,878,330 | 49 |
| Average equity | $1,938,979,000 | 68 |
| Average total loans | $23,710,291,000 | 37 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 4,141 |
| Cost of funding earning assets | 0.5626% | 7,589 |
| Net interest margin | 4.6164% | 919 |
| Noninterest income to average assets | 0.0865% | 7,270 |
| Noninterest expense to average assets | 0.0548% | 7,929 |
| Loan and lease loss provision to assets | 0.8748% | 1,457 |
| Net operating income to assets | 2.2671% | 225 |
| Return on assets (ROA) | 2.2671% | 250 |
| Pretax return on assets | 3.5297% | 99 |
| Return on Equity (ROE) | 30.4252% | 86 |
| Retained earnings to average equity (ytd only) | 30.4252% | 63 |
| Net charge-offs to loans | 0.7518% | 2,006 |
| Credit loss provision to net charge-offs | 124.7377% | 2,818 |
| Earnings coverage of net charge-offs (x) | 6.2805% | 2,252 |
| Efficiency ratio | 1.2287% | 7,920 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4854% | 7,600 |
| Loan loss allowance to noncurrent loans | 11.5873% | 7,298 |
| Noncurrent assets plus other real estate owned to assets | 3.9876% | 1,722 |
| Noncurrent loans to loans | 4.1889% | 1,841 |
| Net loans and leases to total assets | 94.7317% | 11 |
| Net loans and leases to deposits | 5,049,231.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0019% | 7,942 |
| Equity capital to assets | 7.2741% | 7,229 |
| Core capital (leverage) ratio | 7.8553% | 6,429 |
| Tier 1 risk-based capital ratio | 16.7212% | 2,368 |
| Total risk-based capital ratio | 17.7833% | 2,386 |
| Memoranda: | ||
| Average total assets | $25,062,979,500 | 51 |
| Average earning assets | $23,740,153,500 | 47 |
| Average equity | $1,867,541,500 | 69 |
| Average total loans | $23,380,536,000 | 36 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 5,556 |
| Cost of funding earning assets | 0.8035% | 7,547 |
| Net interest margin | 4.4163% | 1,391 |
| Noninterest income to average assets | 0.0975% | 7,276 |
| Noninterest expense to average assets | 0.1234% | 8,006 |
| Loan and lease loss provision to assets | 0.7219% | 2,952 |
| Net operating income to assets | 2.1804% | 154 |
| Return on assets (ROA) | 2.1804% | 167 |
| Pretax return on assets | 3.3947% | 70 |
| Return on Equity (ROE) | 31.7300% | 40 |
| Retained earnings to average equity (ytd only) | -2.1316% | 5,542 |
| Net charge-offs to loans | 0.4597% | 3,943 |
| Credit loss provision to net charge-offs | 171.0807% | 2,488 |
| Earnings coverage of net charge-offs (x) | 9.7554% | 1,761 |
| Efficiency ratio | 2.9098% | 7,996 |
| Assets per employee ($millions) | 23,475.8010% | 2 |
| Cash dividends to net income (ytd only)* | 106.7178% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5248% | 7,650 |
| Loan loss allowance to noncurrent loans | 12.9668% | 7,310 |
| Noncurrent assets plus other real estate owned to assets | 3.6881% | 1,807 |
| Noncurrent loans to loans | 4.0474% | 1,833 |
| Net loans and leases to total assets | 90.6445% | 67 |
| Net loans and leases to deposits | 4,255,902.2000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0021% | 8,020 |
| Equity capital to assets | 7.6526% | 6,898 |
| Core capital (leverage) ratio | 8.0305% | 6,117 |
| Tier 1 risk-based capital ratio | 18.2823% | 1,822 |
| Total risk-based capital ratio | 19.4248% | 1,800 |
| Memoranda: | ||
| Average total assets | $23,636,386,000 | 54 |
| Average earning assets | $22,171,244,400 | 53 |
| Average equity | $1,624,260,400 | 72 |
| Average total loans | $21,695,550,400 | 40 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3079% | 5,384 |
| Cost of funding earning assets | 0.8682% | 7,605 |
| Net interest margin | 4.4397% | 1,341 |
| Noninterest income to average assets | 0.0000% | 7,833 |
| Noninterest expense to average assets | 0.1363% | 8,092 |
| Loan and lease loss provision to assets | 0.5984% | 2,996 |
| Net operating income to assets | 2.2080% | 175 |
| Return on assets (ROA) | 2.2080% | 194 |
| Pretax return on assets | 3.4376% | 73 |
| Return on Equity (ROE) | 33.0615% | 43 |
| Retained earnings to average equity (ytd only) | -13.3157% | 7,028 |
| Net charge-offs to loans | 0.3089% | 4,106 |
| Credit loss provision to net charge-offs | 210.6609% | 2,086 |
| Earnings coverage of net charge-offs (x) | 14.2074% | 1,617 |
| Efficiency ratio | 3.2664% | 8,077 |
| Assets per employee ($millions) | 21,483.5310% | 2 |
| Cash dividends to net income (ytd only)* | 140.2757% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4940% | 7,718 |
| Loan loss allowance to noncurrent loans | 13.9399% | 7,362 |
| Noncurrent assets plus other real estate owned to assets | 3.2454% | 2,086 |
| Noncurrent loans to loans | 3.5434% | 2,111 |
| Net loans and leases to total assets | 91.1374% | 76 |
| Net loans and leases to deposits | 3,915,908.2000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0023% | 8,106 |
| Equity capital to assets | 6.6247% | 7,730 |
| Core capital (leverage) ratio | 6.3039% | 7,732 |
| Tier 1 risk-based capital ratio | 21.4000% | 1,306 |
| Total risk-based capital ratio | 22.7000% | 1,271 |
| Memoranda: | ||
| Average total assets | $23,676,532,250 | 59 |
| Average earning assets | $22,250,370,500 | 57 |
| Average equity | $1,581,196,500 | 77 |
| Average total loans | $21,771,493,250 | 42 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3175% | 5,576 |
| Cost of funding earning assets | 0.9384% | 7,646 |
| Net interest margin | 4.3791% | 1,450 |
| Noninterest income to average assets | 0.0000% | 7,937 |
| Noninterest expense to average assets | 0.1485% | 8,187 |
| Loan and lease loss provision to assets | 0.4549% | 3,257 |
| Net operating income to assets | 2.2756% | 170 |
| Return on assets (ROA) | 2.2756% | 185 |
| Pretax return on assets | 3.5430% | 69 |
| Return on Equity (ROE) | 33.9950% | 45 |
| Retained earnings to average equity (ytd only) | 33.9950% | 26 |
| Net charge-offs to loans | 0.2563% | 3,914 |
| Credit loss provision to net charge-offs | 192.8239% | 2,371 |
| Earnings coverage of net charge-offs (x) | 16.9464% | 1,510 |
| Efficiency ratio | 3.5817% | 8,164 |
| Assets per employee ($millions) | 23,583.2720% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3168% | 7,977 |
| Loan loss allowance to noncurrent loans | 14.2620% | 7,384 |
| Noncurrent assets plus other real estate owned to assets | 2.0245% | 3,167 |
| Noncurrent loans to loans | 2.2213% | 3,232 |
| Net loans and leases to total assets | 90.8510% | 98 |
| Net loans and leases to deposits | 4,285,127.4000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0021% | 8,203 |
| Equity capital to assets | 7.8821% | 6,882 |
| Core capital (leverage) ratio | 7.2497% | 7,306 |
| Tier 1 risk-based capital ratio | 27.8297% | 728 |
| Total risk-based capital ratio | 28.8492% | 722 |
| Memoranda: | ||
| Average total assets | $24,407,532,670 | 61 |
| Average earning assets | $23,110,200,330 | 58 |
| Average equity | $1,633,854,330 | 77 |
| Average total loans | $22,469,746,000 | 44 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2940% | 5,918 |
| Cost of funding earning assets | 1.1823% | 7,335 |
| Net interest margin | 4.1117% | 2,234 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.1673% | 8,237 |
| Loan and lease loss provision to assets | 2.9881% | 363 |
| Net operating income to assets | 0.4905% | 4,465 |
| Return on assets (ROA) | 0.4905% | 4,657 |
| Pretax return on assets | 0.7637% | 4,214 |
| Return on Equity (ROE) | 8.0021% | 3,153 |
| Retained earnings to average equity (ytd only) | 8.0021% | 1,814 |
| Net charge-offs to loans | 0.2663% | 3,068 |
| Credit loss provision to net charge-offs | 1,212.9203% | 520 |
| Earnings coverage of net charge-offs (x) | 15.2290% | 1,619 |
| Efficiency ratio | 4.2686% | 8,218 |
| Assets per employee ($millions) | 28,137.1030% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7972% | 7,165 |
| Loan loss allowance to noncurrent loans | 82.0559% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 4,901 |
| Noncurrent loans to loans | 0.9715% | 5,052 |
| Net loans and leases to total assets | 93.5360% | 36 |
| Net loans and leases to deposits | 5,263,661.6000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0018% | 8,254 |
| Equity capital to assets | 5.7276% | 8,036 |
| Core capital (leverage) ratio | 6.1723% | 7,975 |
| Tier 1 risk-based capital ratio | 17.3462% | 2,230 |
| Total risk-based capital ratio | 18.6456% | 2,157 |
| Memoranda: | ||
| Average total assets | $24,819,663,000 | 61 |
| Average earning assets | $23,656,431,500 | 58 |
| Average equity | $1,521,355,500 | 84 |
| Average total loans | $22,957,753,500 | 46 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6590% | 6,905 |
| Cost of funding earning assets | 2.6708% | 3,313 |
| Net interest margin | 2.9882% | 6,944 |
| Noninterest income to average assets | 0.0000% | 8,109 |
| Noninterest expense to average assets | 0.1184% | 8,291 |
| Loan and lease loss provision to assets | 0.2880% | 4,076 |
| Net operating income to assets | 1.5649% | 897 |
| Return on assets (ROA) | 1.5649% | 869 |
| Pretax return on assets | 2.4364% | 228 |
| Return on Equity (ROE) | 24.9874% | 139 |
| Retained earnings to average equity (ytd only) | 24.9874% | 16 |
| Net charge-offs to loans | 0.1379% | 4,846 |
| Credit loss provision to net charge-offs | 225.0205% | 2,113 |
| Earnings coverage of net charge-offs (x) | 21.2833% | 1,536 |
| Efficiency ratio | 4.1634% | 8,284 |
| Assets per employee ($millions) | 21,502.2230% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2134% | 8,151 |
| Loan loss allowance to noncurrent loans | 26.2106% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 5,019 |
| Noncurrent loans to loans | 0.8142% | 5,013 |
| Net loans and leases to total assets | 89.9644% | 199 |
| Net loans and leases to deposits | 3,868,867.6000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0023% | 8,311 |
| Equity capital to assets | 6.6558% | 7,888 |
| Core capital (leverage) ratio | 6.6069% | 7,897 |
| Tier 1 risk-based capital ratio | 19.0549% | 1,803 |
| Total risk-based capital ratio | 19.6063% | 1,897 |
| Memoranda: | ||
| Average total assets | $19,963,553,000 | 65 |
| Average earning assets | $18,992,208,400 | 66 |
| Average equity | $1,250,265,000 | 96 |
| Average total loans | $18,533,422,400 | 52 |