Home > Bank of America > Performance and Condition Ratios
Bank of America, Performance and Condition Ratios
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 306 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6871% | 3,500 |
Cost of funding earning assets | 2.1882% | 1,683 |
Net interest margin | 2.4989% | 3,880 |
Noninterest income to average assets | 0.9600% | 638 |
Noninterest expense to average assets | 1.8603% | 3,833 |
Loan and lease loss provision to assets | 0.2200% | 493 |
Net operating income to assets | 1.0359% | 1,880 |
Return on assets (ROA) | 1.0378% | 1,881 |
Pretax return on assets | 1.1470% | 2,077 |
Return on Equity (ROE) | 11.1200% | 1,843 |
Retained earnings to average equity (ytd only) | 2.5392% | 3,167 |
Net charge-offs to loans | 0.5771% | 219 |
Credit loss provision to net charge-offs | 97.7573% | 1,521 |
Earnings coverage of net charge-offs (x) | 5.7533% | 2,196 |
Efficiency ratio | 57.4985% | 3,439 |
Assets per employee ($millions) | 18.9897% | 107 |
Cash dividends to net income (ytd only)* | 77.1733% | 692 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2526% | 1,968 |
Loan loss allowance to noncurrent loans | 168.6973% | 2,508 |
Noncurrent assets plus other real estate owned to assets | 0.3177% | 1,895 |
Noncurrent loans to loans | 0.7425% | 1,254 |
Net loans and leases to total assets | 40.8300% | 4,012 |
Net loans and leases to deposits | 51.5790% | 3,912 |
Net loans and leases to core deposits | 59.2363% | 3,791 |
Total domestic deposits to total assets | 74.5600% | 4,015 |
Equity capital to assets | 9.3844% | 2,465 |
Core capital (leverage) ratio | 7.6283% | 4,416 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5878% | 1,670 |
Memoranda: | ||
Average total assets | $2,547,021,000,000 | 2 |
Average earning assets | $2,310,285,666,667 | 2 |
Average equity | $237,631,666,667 | 2 |
Average total loans | $1,050,687,000,000 | 2 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6627% | 3,414 |
Cost of funding earning assets | 2.1198% | 1,736 |
Net interest margin | 2.5429% | 3,811 |
Noninterest income to average assets | 0.9400% | 620 |
Noninterest expense to average assets | 1.9393% | 3,698 |
Loan and lease loss provision to assets | 0.2100% | 475 |
Net operating income to assets | 1.0059% | 1,912 |
Return on assets (ROA) | 1.0074% | 1,912 |
Pretax return on assets | 1.0951% | 2,154 |
Return on Equity (ROE) | 10.8300% | 1,898 |
Retained earnings to average equity (ytd only) | 2.3821% | 3,149 |
Net charge-offs to loans | 0.5717% | 167 |
Credit loss provision to net charge-offs | 92.3949% | 1,217 |
Earnings coverage of net charge-offs (x) | 5.5324% | 1,854 |
Efficiency ratio | 59.7102% | 3,294 |
Assets per employee ($millions) | 18.5404% | 122 |
Cash dividends to net income (ytd only)* | 78.0031% | 759 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2568% | 1,972 |
Loan loss allowance to noncurrent loans | 164.8510% | 2,626 |
Noncurrent assets plus other real estate owned to assets | 0.3205% | 1,825 |
Noncurrent loans to loans | 0.7624% | 1,172 |
Net loans and leases to total assets | 40.5600% | 4,008 |
Net loans and leases to deposits | 50.5008% | 3,900 |
Net loans and leases to core deposits | 58.8537% | 3,812 |
Total domestic deposits to total assets | 75.6500% | 4,011 |
Equity capital to assets | 9.3059% | 2,464 |
Core capital (leverage) ratio | 7.6064% | 4,434 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5699% | 1,678 |
Memoranda: | ||
Average total assets | $2,545,239,500,000 | 2 |
Average earning assets | $2,308,194,000,000 | 2 |
Average equity | $236,769,500,000 | 2 |
Average total loans | $1,048,765,000,000 | 2 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3364% | 3,382 |
Cost of funding earning assets | 1.6251% | 1,623 |
Net interest margin | 2.7113% | 3,806 |
Noninterest income to average assets | 0.9400% | 704 |
Noninterest expense to average assets | 1.9185% | 3,802 |
Loan and lease loss provision to assets | 0.1800% | 708 |
Net operating income to assets | 1.1751% | 1,706 |
Return on assets (ROA) | 1.1613% | 1,726 |
Pretax return on assets | 1.2778% | 1,935 |
Return on Equity (ROE) | 12.4800% | 1,843 |
Retained earnings to average equity (ytd only) | 2.8604% | 3,326 |
Net charge-offs to loans | 0.3646% | 294 |
Credit loss provision to net charge-offs | 123.1394% | 1,651 |
Earnings coverage of net charge-offs (x) | 9.5425% | 2,286 |
Efficiency ratio | 56.5370% | 3,440 |
Assets per employee ($millions) | 18.7516% | 117 |
Cash dividends to net income (ytd only)* | 77.0794% | 650 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2645% | 1,948 |
Loan loss allowance to noncurrent loans | 183.4231% | 2,624 |
Noncurrent assets plus other real estate owned to assets | 0.2926% | 1,779 |
Noncurrent loans to loans | 0.6894% | 1,144 |
Net loans and leases to total assets | 40.8200% | 4,009 |
Net loans and leases to deposits | 51.0268% | 3,910 |
Net loans and leases to core deposits | 58.5039% | 3,820 |
Total domestic deposits to total assets | 75.1700% | 4,016 |
Equity capital to assets | 9.2990% | 2,486 |
Core capital (leverage) ratio | 7.5923% | 4,450 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4779% | 1,695 |
Memoranda: | ||
Average total assets | $2,478,390,400,000 | 2 |
Average earning assets | $2,238,138,000,000 | 2 |
Average equity | $230,628,800,000 | 2 |
Average total loans | $1,046,742,800,000 | 2 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2243% | 3,430 |
Cost of funding earning assets | 1.4612% | 1,702 |
Net interest margin | 2.7631% | 3,789 |
Noninterest income to average assets | 1.0200% | 619 |
Noninterest expense to average assets | 1.8656% | 3,859 |
Loan and lease loss provision to assets | 0.1800% | 621 |
Net operating income to assets | 1.3278% | 1,478 |
Return on assets (ROA) | 1.3096% | 1,510 |
Pretax return on assets | 1.4517% | 1,670 |
Return on Equity (ROE) | 14.0700% | 1,636 |
Retained earnings to average equity (ytd only) | 2.3294% | 3,661 |
Net charge-offs to loans | 0.3340% | 266 |
Credit loss provision to net charge-offs | 132.2519% | 1,405 |
Earnings coverage of net charge-offs (x) | 11.6275% | 2,090 |
Efficiency ratio | 52.9887% | 3,676 |
Assets per employee ($millions) | 18.2456% | 117 |
Cash dividends to net income (ytd only)* | 83.4443% | 416 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2620% | 2,042 |
Loan loss allowance to noncurrent loans | 207.2949% | 2,458 |
Noncurrent assets plus other real estate owned to assets | 0.2684% | 1,931 |
Noncurrent loans to loans | 0.6088% | 1,326 |
Net loans and leases to total assets | 42.0300% | 3,990 |
Net loans and leases to deposits | 52.3339% | 3,864 |
Net loans and leases to core deposits | 59.2596% | 3,730 |
Total domestic deposits to total assets | 75.8000% | 4,030 |
Equity capital to assets | 9.2895% | 2,233 |
Core capital (leverage) ratio | 7.7312% | 4,464 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3554% | 1,769 |
Memoranda: | ||
Average total assets | $2,462,959,000,000 | 2 |
Average earning assets | $2,223,091,000,000 | 2 |
Average equity | $229,234,500,000 | 2 |
Average total loans | $1,045,921,000,000 | 2 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0938% | 3,506 |
Cost of funding earning assets | 1.3171% | 1,662 |
Net interest margin | 2.7767% | 3,856 |
Noninterest income to average assets | 1.0500% | 525 |
Noninterest expense to average assets | 1.8848% | 3,853 |
Loan and lease loss provision to assets | 0.1700% | 642 |
Net operating income to assets | 1.3416% | 1,472 |
Return on assets (ROA) | 1.3147% | 1,513 |
Pretax return on assets | 1.4778% | 1,638 |
Return on Equity (ROE) | 14.1200% | 1,652 |
Retained earnings to average equity (ytd only) | 3.3963% | 3,376 |
Net charge-offs to loans | 0.3229% | 260 |
Credit loss provision to net charge-offs | 130.5868% | 1,285 |
Earnings coverage of net charge-offs (x) | 12.2170% | 1,945 |
Efficiency ratio | 52.8712% | 3,707 |
Assets per employee ($millions) | 17.9269% | 120 |
Cash dividends to net income (ytd only)* | 75.9407% | 632 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2308% | 2,283 |
Loan loss allowance to noncurrent loans | 228.6296% | 2,453 |
Noncurrent assets plus other real estate owned to assets | 0.2412% | 1,987 |
Noncurrent loans to loans | 0.5383% | 1,382 |
Net loans and leases to total assets | 42.3000% | 3,952 |
Net loans and leases to deposits | 52.0338% | 3,835 |
Net loans and leases to core deposits | 57.3196% | 3,747 |
Total domestic deposits to total assets | 76.7100% | 3,984 |
Equity capital to assets | 9.3889% | 2,239 |
Core capital (leverage) ratio | 7.6153% | 4,502 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2983% | 1,788 |
Memoranda: | ||
Average total assets | $2,462,200,666,667 | 2 |
Average earning assets | $2,221,679,666,667 | 2 |
Average equity | $229,309,666,667 | 2 |
Average total loans | $1,044,800,000,000 | 2 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8855% | 3,700 |
Cost of funding earning assets | 1.0790% | 1,814 |
Net interest margin | 2.8065% | 3,937 |
Noninterest income to average assets | 1.0300% | 549 |
Noninterest expense to average assets | 1.8764% | 3,904 |
Loan and lease loss provision to assets | 0.1500% | 723 |
Net operating income to assets | 1.3720% | 1,483 |
Return on assets (ROA) | 1.3431% | 1,532 |
Pretax return on assets | 1.5054% | 1,658 |
Return on Equity (ROE) | 14.4800% | 1,666 |
Retained earnings to average equity (ytd only) | 7.4913% | 2,365 |
Net charge-offs to loans | 0.3104% | 256 |
Credit loss provision to net charge-offs | 111.4957% | 1,059 |
Earnings coverage of net charge-offs (x) | 12.8826% | 1,600 |
Efficiency ratio | 52.5385% | 3,733 |
Assets per employee ($millions) | 18.0603% | 119 |
Cash dividends to net income (ytd only)* | 48.2625% | 1,234 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1981% | 2,562 |
Loan loss allowance to noncurrent loans | 221.6605% | 2,549 |
Noncurrent assets plus other real estate owned to assets | 0.2351% | 1,939 |
Noncurrent loans to loans | 0.5405% | 1,369 |
Net loans and leases to total assets | 40.9200% | 4,005 |
Net loans and leases to deposits | 51.1273% | 3,840 |
Net loans and leases to core deposits | 55.1691% | 3,785 |
Total domestic deposits to total assets | 75.5700% | 4,185 |
Equity capital to assets | 9.2313% | 2,335 |
Core capital (leverage) ratio | 7.8401% | 4,494 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3497% | 1,851 |
Memoranda: | ||
Average total assets | $2,468,399,000,000 | 2 |
Average earning assets | $2,229,940,000,000 | 2 |
Average equity | $228,960,000,000 | 2 |
Average total loans | $1,042,627,500,000 | 2 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7205% | 4,391 |
Cost of funding earning assets | 0.2863% | 2,990 |
Net interest margin | 2.4342% | 4,341 |
Noninterest income to average assets | 0.9300% | 743 |
Noninterest expense to average assets | 1.7638% | 4,074 |
Loan and lease loss provision to assets | 0.1000% | 1,238 |
Net operating income to assets | 1.1136% | 2,111 |
Return on assets (ROA) | 1.1144% | 2,043 |
Pretax return on assets | 1.2654% | 2,220 |
Return on Equity (ROE) | 11.9100% | 2,171 |
Retained earnings to average equity (ytd only) | 2.3516% | 3,902 |
Net charge-offs to loans | 0.2133% | 384 |
Credit loss provision to net charge-offs | 112.8525% | 1,495 |
Earnings coverage of net charge-offs (x) | 15.5511% | 2,003 |
Efficiency ratio | 56.2285% | 3,560 |
Assets per employee ($millions) | 17.4906% | 131 |
Cash dividends to net income (ytd only)* | 80.2510% | 436 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2137% | 2,324 |
Loan loss allowance to noncurrent loans | 228.6050% | 2,499 |
Noncurrent assets plus other real estate owned to assets | 0.2411% | 1,949 |
Noncurrent loans to loans | 0.5309% | 1,385 |
Net loans and leases to total assets | 42.5800% | 3,952 |
Net loans and leases to deposits | 50.4197% | 3,879 |
Net loans and leases to core deposits | 53.8725% | 3,811 |
Total domestic deposits to total assets | 79.7700% | 3,911 |
Equity capital to assets | 9.3218% | 2,136 |
Core capital (leverage) ratio | 7.6806% | 4,533 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0185% | 1,973 |
Memoranda: | ||
Average total assets | $2,459,915,200,000 | 2 |
Average earning assets | $2,226,067,800,000 | 2 |
Average equity | $230,225,400,000 | 2 |
Average total loans | $1,014,076,800,000 | 2 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4434% | 4,475 |
Cost of funding earning assets | 0.1437% | 3,903 |
Net interest margin | 2.2997% | 4,405 |
Noninterest income to average assets | 0.9200% | 787 |
Noninterest expense to average assets | 1.7549% | 4,069 |
Loan and lease loss provision to assets | 0.0800% | 1,289 |
Net operating income to assets | 1.0336% | 2,347 |
Return on assets (ROA) | 1.0348% | 2,309 |
Pretax return on assets | 1.1721% | 2,484 |
Return on Equity (ROE) | 11.0500% | 2,362 |
Retained earnings to average equity (ytd only) | 5.2849% | 3,001 |
Net charge-offs to loans | 0.1949% | 337 |
Credit loss provision to net charge-offs | 93.5462% | 1,363 |
Earnings coverage of net charge-offs (x) | 15.7079% | 1,837 |
Efficiency ratio | 58.3338% | 3,345 |
Assets per employee ($millions) | 17.7822% | 128 |
Cash dividends to net income (ytd only)* | 52.1567% | 1,105 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1928% | 2,566 |
Loan loss allowance to noncurrent loans | 218.0284% | 2,577 |
Noncurrent assets plus other real estate owned to assets | 0.2466% | 1,988 |
Noncurrent loans to loans | 0.5471% | 1,448 |
Net loans and leases to total assets | 42.2300% | 3,974 |
Net loans and leases to deposits | 49.9800% | 3,854 |
Net loans and leases to core deposits | 53.1837% | 3,797 |
Total domestic deposits to total assets | 80.2200% | 4,075 |
Equity capital to assets | 9.5077% | 1,878 |
Core capital (leverage) ratio | 7.7751% | 4,493 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3940% | 1,906 |
Memoranda: | ||
Average total assets | $2,470,267,000,000 | 2 |
Average earning assets | $2,237,030,250,000 | 2 |
Average equity | $231,419,500,000 | 2 |
Average total loans | $1,007,008,500,000 | 2 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.2043% | 4,564 |
Cost of funding earning assets | 0.0647% | 4,495 |
Net interest margin | 2.1395% | 4,491 |
Noninterest income to average assets | 0.8826% | 875 |
Noninterest expense to average assets | 1.7446% | 4,062 |
Loan and lease loss provision to assets | 0.0426% | 1,805 |
Net operating income to assets | 0.9336% | 2,430 |
Return on assets (ROA) | 0.9347% | 2,403 |
Pretax return on assets | 1.0385% | 2,613 |
Return on Equity (ROE) | 10.0255% | 2,326 |
Retained earnings to average equity (ytd only) | 4.8586% | 2,761 |
Net charge-offs to loans | 0.1901% | 341 |
Credit loss provision to net charge-offs | 55.0526% | 1,475 |
Earnings coverage of net charge-offs (x) | 14.1589% | 1,666 |
Efficiency ratio | 61.6554% | 3,084 |
Assets per employee ($millions) | 18.3156% | 118 |
Cash dividends to net income (ytd only)* | 51.5375% | 1,299 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1638% | 2,875 |
Loan loss allowance to noncurrent loans | 201.4847% | 2,670 |
Noncurrent assets plus other real estate owned to assets | 0.2557% | 2,038 |
Noncurrent loans to loans | 0.5776% | 1,460 |
Net loans and leases to total assets | 41.5647% | 3,999 |
Net loans and leases to deposits | 48.8682% | 3,869 |
Net loans and leases to core deposits | 52.1639% | 3,813 |
Total domestic deposits to total assets | 80.4928% | 4,182 |
Equity capital to assets | 9.4639% | 2,043 |
Core capital (leverage) ratio | 7.6220% | 4,520 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0110% | 2,054 |
Memoranda: | ||
Average total assets | $2,491,055,333,333 | 2 |
Average earning assets | $2,261,075,333,333 | 2 |
Average equity | $232,247,000,000 | 2 |
Average total loans | $999,658,333,333 | 2 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0567% | 4,602 |
Cost of funding earning assets | 0.0417% | 4,651 |
Net interest margin | 2.0150% | 4,505 |
Noninterest income to average assets | 0.8812% | 863 |
Noninterest expense to average assets | 1.6909% | 4,146 |
Loan and lease loss provision to assets | 0.0040% | 2,234 |
Net operating income to assets | 0.9268% | 2,170 |
Return on assets (ROA) | 0.9267% | 2,164 |
Pretax return on assets | 1.0208% | 2,378 |
Return on Equity (ROE) | 10.0125% | 1,966 |
Retained earnings to average equity (ytd only) | 1.4254% | 3,711 |
Net charge-offs to loans | 0.1598% | 369 |
Credit loss provision to net charge-offs | 25.1269% | 1,275 |
Earnings coverage of net charge-offs (x) | 16.3655% | 1,338 |
Efficiency ratio | 62.1444% | 3,244 |
Assets per employee ($millions) | 18.6224% | 120 |
Cash dividends to net income (ytd only)* | 85.7633% | 641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2158% | 2,774 |
Loan loss allowance to noncurrent loans | 188.1409% | 2,685 |
Noncurrent assets plus other real estate owned to assets | 0.2683% | 2,066 |
Noncurrent loans to loans | 0.6462% | 1,458 |
Net loans and leases to total assets | 39.0264% | 4,070 |
Net loans and leases to deposits | 45.6199% | 3,999 |
Net loans and leases to core deposits | 48.4918% | 3,960 |
Total domestic deposits to total assets | 81.1856% | 4,185 |
Equity capital to assets | 9.1260% | 2,605 |
Core capital (leverage) ratio | 7.3752% | 4,596 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.9776% | 2,217 |
Memoranda: | ||
Average total assets | $2,516,572,000,000 | 2 |
Average earning assets | $2,291,237,500,000 | 2 |
Average equity | $232,909,500,000 | 2 |
Average total loans | $986,422,000,000 | 2 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0261% | 4,677 |
Cost of funding earning assets | 0.0388% | 4,735 |
Net interest margin | 1.9872% | 4,605 |
Noninterest income to average assets | 0.9339% | 1,130 |
Noninterest expense to average assets | 1.6943% | 4,303 |
Loan and lease loss provision to assets | -0.1946% | 4,689 |
Net operating income to assets | 1.1099% | 2,250 |
Return on assets (ROA) | 1.1105% | 2,308 |
Pretax return on assets | 1.2398% | 2,553 |
Return on Equity (ROE) | 11.6506% | 1,929 |
Retained earnings to average equity (ytd only) | 4.7461% | 2,894 |
Net charge-offs to loans | 0.2412% | 386 |
Credit loss provision to net charge-offs | -185.6952% | 3,492 |
Earnings coverage of net charge-offs (x) | 11.0294% | 2,178 |
Efficiency ratio | 61.7420% | 2,906 |
Assets per employee ($millions) | 18.8288% | 124 |
Cash dividends to net income (ytd only)* | 59.2626% | 1,119 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2623% | 2,552 |
Loan loss allowance to noncurrent loans | 204.8700% | 2,552 |
Noncurrent assets plus other real estate owned to assets | 0.2521% | 2,308 |
Noncurrent loans to loans | 0.6161% | 1,606 |
Net loans and leases to total assets | 38.3972% | 4,166 |
Net loans and leases to deposits | 45.1146% | 4,137 |
Net loans and leases to core deposits | 48.1562% | 4,082 |
Total domestic deposits to total assets | 80.4107% | 4,178 |
Equity capital to assets | 9.3838% | 3,244 |
Core capital (leverage) ratio | 7.5611% | 4,580 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4072% | 2,078 |
Memoranda: | ||
Average total assets | $2,369,248,600,000 | 2 |
Average earning assets | $2,151,954,200,000 | 2 |
Average equity | $225,826,200,000 | 2 |
Average total loans | $930,216,800,000 | 2 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.0180% | 4,759 |
Cost of funding earning assets | 0.0381% | 4,820 |
Net interest margin | 1.9799% | 4,689 |
Noninterest income to average assets | 1.0415% | 998 |
Noninterest expense to average assets | 1.7157% | 4,305 |
Loan and lease loss provision to assets | -0.2352% | 4,781 |
Net operating income to assets | 1.0849% | 2,611 |
Return on assets (ROA) | 1.0853% | 2,665 |
Pretax return on assets | 1.3581% | 2,470 |
Return on Equity (ROE) | 11.3390% | 2,261 |
Retained earnings to average equity (ytd only) | 5.9372% | 2,847 |
Net charge-offs to loans | 0.2740% | 298 |
Credit loss provision to net charge-offs | -198.7805% | 3,386 |
Earnings coverage of net charge-offs (x) | 10.4072% | 2,037 |
Efficiency ratio | 60.3401% | 2,938 |
Assets per employee ($millions) | 17.6164% | 137 |
Cash dividends to net income (ytd only)* | 47.6396% | 1,295 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4218% | 1,932 |
Loan loss allowance to noncurrent loans | 214.3859% | 2,439 |
Noncurrent assets plus other real estate owned to assets | 0.2709% | 2,419 |
Noncurrent loans to loans | 0.6632% | 1,649 |
Net loans and leases to total assets | 37.9588% | 4,301 |
Net loans and leases to deposits | 44.8319% | 4,282 |
Net loans and leases to core deposits | 47.7192% | 4,249 |
Total domestic deposits to total assets | 80.2620% | 4,191 |
Equity capital to assets | 9.5127% | 3,351 |
Core capital (leverage) ratio | 7.4577% | 4,713 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4874% | 2,170 |
Memoranda: | ||
Average total assets | $2,331,679,500,000 | 2 |
Average earning assets | $2,115,831,750,000 | 2 |
Average equity | $223,176,000,000 | 2 |
Average total loans | $917,822,250,000 | 2 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.9820% | 4,811 |
Cost of funding earning assets | 0.0396% | 4,856 |
Net interest margin | 1.9424% | 4,736 |
Noninterest income to average assets | 1.0428% | 1,008 |
Noninterest expense to average assets | 1.7642% | 4,258 |
Loan and lease loss provision to assets | -0.3024% | 4,838 |
Net operating income to assets | 1.0760% | 2,623 |
Return on assets (ROA) | 1.0760% | 2,695 |
Pretax return on assets | 1.3407% | 2,515 |
Return on Equity (ROE) | 11.2175% | 2,336 |
Retained earnings to average equity (ytd only) | 5.7605% | 2,903 |
Net charge-offs to loans | 0.3104% | 277 |
Credit loss provision to net charge-offs | -230.4715% | 3,244 |
Earnings coverage of net charge-offs (x) | 8.4342% | 1,882 |
Efficiency ratio | 62.8377% | 2,607 |
Assets per employee ($millions) | 17.0163% | 149 |
Cash dividends to net income (ytd only)* | 48.6473% | 1,283 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5347% | 1,477 |
Loan loss allowance to noncurrent loans | 211.8851% | 2,376 |
Noncurrent assets plus other real estate owned to assets | 0.2995% | 2,423 |
Noncurrent loans to loans | 0.7243% | 1,637 |
Net loans and leases to total assets | 38.4463% | 4,369 |
Net loans and leases to deposits | 45.4969% | 4,328 |
Net loans and leases to core deposits | 48.7739% | 4,291 |
Total domestic deposits to total assets | 79.6161% | 4,280 |
Equity capital to assets | 9.5859% | 3,265 |
Core capital (leverage) ratio | 7.5138% | 4,712 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5069% | 2,162 |
Memoranda: | ||
Average total assets | $2,308,633,000,000 | 2 |
Average earning assets | $2,091,525,666,667 | 2 |
Average equity | $221,440,666,667 | 2 |
Average total loans | $915,607,333,333 | 2 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 1.9962% | 4,841 |
Cost of funding earning assets | 0.0423% | 4,889 |
Net interest margin | 1.9539% | 4,750 |
Noninterest income to average assets | 1.0655% | 1,027 |
Noninterest expense to average assets | 1.7612% | 4,273 |
Loan and lease loss provision to assets | -0.3268% | 4,871 |
Net operating income to assets | 1.1367% | 2,365 |
Return on assets (ROA) | 1.1372% | 2,435 |
Pretax return on assets | 1.3989% | 2,279 |
Return on Equity (ROE) | 11.8517% | 2,071 |
Retained earnings to average equity (ytd only) | 5.0330% | 3,210 |
Net charge-offs to loans | 0.3600% | 236 |
Credit loss provision to net charge-offs | -218.9550% | 2,991 |
Earnings coverage of net charge-offs (x) | 7.4471% | 1,615 |
Efficiency ratio | 62.0664% | 2,746 |
Assets per employee ($millions) | 16.4410% | 153 |
Cash dividends to net income (ytd only)* | 57.5338% | 950 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7956% | 879 |
Loan loss allowance to noncurrent loans | 226.1691% | 2,172 |
Noncurrent assets plus other real estate owned to assets | 0.3251% | 2,517 |
Noncurrent loans to loans | 0.7939% | 1,664 |
Net loans and leases to total assets | 38.1311% | 4,414 |
Net loans and leases to deposits | 45.0746% | 4,391 |
Net loans and leases to core deposits | 48.6927% | 4,347 |
Total domestic deposits to total assets | 80.1080% | 4,190 |
Equity capital to assets | 9.5141% | 3,189 |
Core capital (leverage) ratio | 7.6379% | 4,739 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.7909% | 1,970 |
Memoranda: | ||
Average total assets | $2,287,802,500,000 | 2 |
Average earning assets | $2,069,312,000,000 | 2 |
Average equity | $219,513,000,000 | 2 |
Average total loans | $914,568,500,000 | 2 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4719% | 4,850 |
Cost of funding earning assets | 0.1430% | 4,748 |
Net interest margin | 2.3289% | 4,702 |
Noninterest income to average assets | 1.1052% | 867 |
Noninterest expense to average assets | 1.8662% | 4,371 |
Loan and lease loss provision to assets | 0.5069% | 476 |
Net operating income to assets | 0.6688% | 3,526 |
Return on assets (ROA) | 0.6833% | 3,615 |
Pretax return on assets | 0.8409% | 3,527 |
Return on Equity (ROE) | 6.7290% | 3,312 |
Retained earnings to average equity (ytd only) | 1.8863% | 3,875 |
Net charge-offs to loans | 0.4204% | 401 |
Credit loss provision to net charge-offs | 255.9651% | 1,910 |
Earnings coverage of net charge-offs (x) | 6.7481% | 2,753 |
Efficiency ratio | 58.2476% | 3,690 |
Assets per employee ($millions) | 16.1117% | 149 |
Cash dividends to net income (ytd only)* | 71.9681% | 895 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0202% | 560 |
Loan loss allowance to noncurrent loans | 261.8377% | 1,897 |
Noncurrent assets plus other real estate owned to assets | 0.3272% | 2,683 |
Noncurrent loans to loans | 0.7715% | 1,783 |
Net loans and leases to total assets | 40.3215% | 4,428 |
Net loans and leases to deposits | 47.7741% | 4,398 |
Net loans and leases to core deposits | 51.8397% | 4,350 |
Total domestic deposits to total assets | 79.5664% | 4,124 |
Equity capital to assets | 9.6778% | 3,433 |
Core capital (leverage) ratio | 7.6800% | 4,781 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.8545% | 1,906 |
Memoranda: | ||
Average total assets | $2,092,553,818,200 | 2 |
Average earning assets | $1,878,687,200,000 | 2 |
Average equity | $212,484,822,800 | 2 |
Average total loans | $980,935,200,000 | 2 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6016% | 4,882 |
Cost of funding earning assets | 0.1761% | 4,739 |
Net interest margin | 2.4254% | 4,710 |
Noninterest income to average assets | 1.1428% | 806 |
Noninterest expense to average assets | 1.9048% | 4,318 |
Loan and lease loss provision to assets | 0.6833% | 323 |
Net operating income to assets | 0.5923% | 3,790 |
Return on assets (ROA) | 0.6118% | 3,827 |
Pretax return on assets | 0.7539% | 3,768 |
Return on Equity (ROE) | 5.9480% | 3,576 |
Retained earnings to average equity (ytd only) | -0.5556% | 4,558 |
Net charge-offs to loans | 0.4351% | 364 |
Credit loss provision to net charge-offs | 322.6642% | 1,692 |
Earnings coverage of net charge-offs (x) | 6.7031% | 2,633 |
Efficiency ratio | 57.2876% | 3,762 |
Assets per employee ($millions) | 15.5849% | 147 |
Cash dividends to net income (ytd only)* | 109.3401% | 235 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0529% | 452 |
Loan loss allowance to noncurrent loans | 312.8058% | 1,582 |
Noncurrent assets plus other real estate owned to assets | 0.3014% | 2,948 |
Noncurrent loans to loans | 0.6563% | 2,149 |
Net loans and leases to total assets | 43.2780% | 4,450 |
Net loans and leases to deposits | 51.5574% | 4,432 |
Net loans and leases to core deposits | 55.7527% | 4,389 |
Total domestic deposits to total assets | 79.7011% | 3,927 |
Equity capital to assets | 9.9149% | 3,306 |
Core capital (leverage) ratio | 7.6524% | 4,820 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.5787% | 1,971 |
Memoranda: | ||
Average total assets | $2,050,984,272,750 | 2 |
Average earning assets | $1,839,298,250,000 | 2 |
Average equity | $210,954,778,500 | 2 |
Average total loans | $993,775,750,000 | 1 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8065% | 4,906 |
Cost of funding earning assets | 0.2326% | 4,675 |
Net interest margin | 2.5739% | 4,679 |
Noninterest income to average assets | 1.1934% | 703 |
Noninterest expense to average assets | 1.8934% | 4,425 |
Loan and lease loss provision to assets | 0.9300% | 235 |
Net operating income to assets | 0.5487% | 3,889 |
Return on assets (ROA) | 0.5783% | 3,885 |
Pretax return on assets | 0.7100% | 3,849 |
Return on Equity (ROE) | 5.5509% | 3,652 |
Retained earnings to average equity (ytd only) | -4.2498% | 4,739 |
Net charge-offs to loans | 0.4505% | 351 |
Credit loss provision to net charge-offs | 409.2111% | 1,389 |
Earnings coverage of net charge-offs (x) | 7.1225% | 2,393 |
Efficiency ratio | 54.0533% | 4,173 |
Assets per employee ($millions) | 15.5435% | 150 |
Cash dividends to net income (ytd only)* | 176.5614% | 139 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9401% | 486 |
Loan loss allowance to noncurrent loans | 294.7032% | 1,577 |
Noncurrent assets plus other real estate owned to assets | 0.3171% | 3,047 |
Noncurrent loans to loans | 0.6583% | 2,216 |
Net loans and leases to total assets | 45.2714% | 4,390 |
Net loans and leases to deposits | 53.7547% | 4,387 |
Net loans and leases to core deposits | 58.3881% | 4,337 |
Total domestic deposits to total assets | 79.9896% | 3,833 |
Equity capital to assets | 9.7146% | 3,455 |
Core capital (leverage) ratio | 7.6081% | 4,882 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0515% | 2,156 |
Memoranda: | ||
Average total assets | $2,015,643,030,333 | 2 |
Average earning assets | $1,803,983,333,333 | 2 |
Average equity | $209,984,704,667 | 2 |
Average total loans | $1,007,342,000,000 | 1 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1801% | 4,876 |
Cost of funding earning assets | 0.3627% | 4,477 |
Net interest margin | 2.8174% | 4,551 |
Noninterest income to average assets | 1.2168% | 593 |
Noninterest expense to average assets | 1.9651% | 4,462 |
Loan and lease loss provision to assets | 0.9347% | 239 |
Net operating income to assets | 0.6693% | 3,371 |
Return on assets (ROA) | 0.7203% | 3,286 |
Pretax return on assets | 0.8917% | 3,161 |
Return on Equity (ROE) | 6.6690% | 3,075 |
Retained earnings to average equity (ytd only) | -12.9492% | 4,849 |
Net charge-offs to loans | 0.4439% | 328 |
Credit loss provision to net charge-offs | 401.6919% | 994 |
Earnings coverage of net charge-offs (x) | 7.6251% | 1,908 |
Efficiency ratio | 52.6179% | 4,500 |
Assets per employee ($millions) | 14.7879% | 135 |
Cash dividends to net income (ytd only)* | 294.1681% | 153 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5059% | 1,322 |
Loan loss allowance to noncurrent loans | 247.4222% | 1,779 |
Noncurrent assets plus other real estate owned to assets | 0.3299% | 3,124 |
Noncurrent loans to loans | 0.6086% | 2,466 |
Net loans and leases to total assets | 50.6681% | 4,203 |
Net loans and leases to deposits | 61.6371% | 4,119 |
Net loans and leases to core deposits | 67.9352% | 3,994 |
Total domestic deposits to total assets | 77.6324% | 4,274 |
Equity capital to assets | 10.2100% | 3,598 |
Core capital (leverage) ratio | 8.5200% | 4,783 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0351% | 2,675 |
Memoranda: | ||
Average total assets | $1,942,461,500,000 | 2 |
Average earning assets | $1,731,669,500,000 | 2 |
Average equity | $209,805,000,000 | 2 |
Average total loans | $1,012,026,500,000 | 1 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7210% | 4,656 |
Cost of funding earning assets | 0.5776% | 3,729 |
Net interest margin | 3.1433% | 4,298 |
Noninterest income to average assets | 1.2850% | 573 |
Noninterest expense to average assets | 2.0115% | 4,516 |
Loan and lease loss provision to assets | 0.2015% | 1,010 |
Net operating income to assets | 1.4783% | 1,108 |
Return on assets (ROA) | 1.4837% | 1,151 |
Pretax return on assets | 1.8731% | 790 |
Return on Equity (ROE) | 12.6906% | 1,276 |
Retained earnings to average equity (ytd only) | 2.9881% | 3,535 |
Net charge-offs to loans | 0.3816% | 516 |
Credit loss provision to net charge-offs | 99.6708% | 2,508 |
Earnings coverage of net charge-offs (x) | 10.2305% | 2,586 |
Efficiency ratio | 49.1579% | 4,777 |
Assets per employee ($millions) | 13.5183% | 165 |
Cash dividends to net income (ytd only)* | 76.4539% | 906 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9588% | 3,703 |
Loan loss allowance to noncurrent loans | 154.0381% | 2,551 |
Noncurrent assets plus other real estate owned to assets | 0.3474% | 3,015 |
Noncurrent loans to loans | 0.6224% | 2,333 |
Net loans and leases to total assets | 52.3147% | 4,201 |
Net loans and leases to deposits | 64.7181% | 4,026 |
Net loans and leases to core deposits | 72.3935% | 3,834 |
Total domestic deposits to total assets | 75.7064% | 4,630 |
Equity capital to assets | 11.4490% | 2,573 |
Core capital (leverage) ratio | 8.6868% | 4,727 |
Tier 1 risk-based capital ratio | 12.4605% | 4,094 |
Total risk-based capital ratio | 13.4227% | 4,150 |
Memoranda: | ||
Average total assets | $1,803,368,400,000 | 2 |
Average earning assets | $1,603,100,400,000 | 2 |
Average equity | $210,833,800,000 | 2 |
Average total loans | $955,156,600,000 | 2 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7939% | 4,684 |
Cost of funding earning assets | 0.6029% | 3,689 |
Net interest margin | 3.1910% | 4,314 |
Noninterest income to average assets | 1.4387% | 440 |
Noninterest expense to average assets | 2.0149% | 4,519 |
Loan and lease loss provision to assets | 0.1992% | 886 |
Net operating income to assets | 1.6401% | 844 |
Return on assets (ROA) | 1.5235% | 1,182 |
Pretax return on assets | 1.9140% | 834 |
Return on Equity (ROE) | 12.9615% | 1,292 |
Retained earnings to average equity (ytd only) | 3.6666% | 3,566 |
Net charge-offs to loans | 0.3776% | 443 |
Credit loss provision to net charge-offs | 99.5536% | 2,283 |
Earnings coverage of net charge-offs (x) | 11.2887% | 2,450 |
Efficiency ratio | 46.9979% | 4,896 |
Assets per employee ($millions) | 13.1667% | 165 |
Cash dividends to net income (ytd only)* | 71.7113% | 892 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9697% | 3,736 |
Loan loss allowance to noncurrent loans | 150.4887% | 2,595 |
Noncurrent assets plus other real estate owned to assets | 0.3613% | 3,058 |
Noncurrent loans to loans | 0.6443% | 2,346 |
Net loans and leases to total assets | 52.9068% | 4,260 |
Net loans and leases to deposits | 66.2908% | 4,042 |
Net loans and leases to core deposits | 73.6588% | 3,848 |
Total domestic deposits to total assets | 75.0195% | 4,746 |
Equity capital to assets | 11.6730% | 2,539 |
Core capital (leverage) ratio | 8.8469% | 4,749 |
Tier 1 risk-based capital ratio | 12.5292% | 4,124 |
Total risk-based capital ratio | 13.5066% | 4,162 |
Memoranda: | ||
Average total assets | $1,790,964,750,000 | 2 |
Average earning assets | $1,591,267,000,000 | 2 |
Average equity | $210,505,250,000 | 2 |
Average total loans | $949,254,000,000 | 2 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8315% | 4,671 |
Cost of funding earning assets | 0.6014% | 3,643 |
Net interest margin | 3.2301% | 4,291 |
Noninterest income to average assets | 1.4373% | 426 |
Noninterest expense to average assets | 2.0216% | 4,569 |
Loan and lease loss provision to assets | 0.2118% | 794 |
Net operating income to assets | 1.6360% | 841 |
Return on assets (ROA) | 1.6461% | 851 |
Pretax return on assets | 2.0841% | 572 |
Return on Equity (ROE) | 13.9722% | 988 |
Retained earnings to average equity (ytd only) | 7.0575% | 1,780 |
Net charge-offs to loans | 0.3984% | 420 |
Credit loss provision to net charge-offs | 100.5857% | 1,954 |
Earnings coverage of net charge-offs (x) | 10.8419% | 2,237 |
Efficiency ratio | 46.8195% | 4,950 |
Assets per employee ($millions) | 12.9396% | 162 |
Cash dividends to net income (ytd only)* | 49.4891% | 1,826 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9940% | 3,665 |
Loan loss allowance to noncurrent loans | 136.5903% | 2,788 |
Noncurrent assets plus other real estate owned to assets | 0.4052% | 2,884 |
Noncurrent loans to loans | 0.7277% | 2,172 |
Net loans and leases to total assets | 52.6557% | 4,313 |
Net loans and leases to deposits | 65.5089% | 4,129 |
Net loans and leases to core deposits | 72.5975% | 3,970 |
Total domestic deposits to total assets | 75.5030% | 4,723 |
Equity capital to assets | 11.8574% | 2,299 |
Core capital (leverage) ratio | 8.9701% | 4,647 |
Tier 1 risk-based capital ratio | 12.6805% | 4,027 |
Total risk-based capital ratio | 13.6654% | 4,054 |
Memoranda: | ||
Average total assets | $1,783,627,666,670 | 2 |
Average earning assets | $1,583,346,000,000 | 2 |
Average equity | $210,131,000,000 | 2 |
Average total loans | $942,812,333,330 | 2 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8409% | 4,638 |
Cost of funding earning assets | 0.5768% | 3,691 |
Net interest margin | 3.2641% | 4,244 |
Noninterest income to average assets | 1.3943% | 444 |
Noninterest expense to average assets | 2.0059% | 4,629 |
Loan and lease loss provision to assets | 0.2296% | 666 |
Net operating income to assets | 1.6332% | 834 |
Return on assets (ROA) | 1.6344% | 864 |
Pretax return on assets | 2.0625% | 572 |
Return on Equity (ROE) | 13.9185% | 988 |
Retained earnings to average equity (ytd only) | 13.9185% | 359 |
Net charge-offs to loans | 0.4237% | 358 |
Credit loss provision to net charge-offs | 102.8197% | 1,546 |
Earnings coverage of net charge-offs (x) | 10.2588% | 1,971 |
Efficiency ratio | 46.5512% | 5,004 |
Assets per employee ($millions) | 12.9754% | 167 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0172% | 3,593 |
Loan loss allowance to noncurrent loans | 118.0904% | 3,089 |
Noncurrent assets plus other real estate owned to assets | 0.4737% | 2,720 |
Noncurrent loans to loans | 0.8614% | 1,917 |
Net loans and leases to total assets | 52.1322% | 4,327 |
Net loans and leases to deposits | 64.2800% | 4,164 |
Net loans and leases to core deposits | 70.6889% | 4,039 |
Total domestic deposits to total assets | 76.6106% | 4,693 |
Equity capital to assets | 11.8334% | 2,129 |
Core capital (leverage) ratio | 8.9515% | 4,684 |
Tier 1 risk-based capital ratio | 12.6356% | 4,078 |
Total risk-based capital ratio | 13.6299% | 4,111 |
Memoranda: | ||
Average total assets | $1,778,996,000,000 | 2 |
Average earning assets | $1,581,704,500,000 | 2 |
Average equity | $208,901,500,000 | 2 |
Average total loans | $937,450,000,000 | 1 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6119% | 4,783 |
Cost of funding earning assets | 0.4311% | 3,794 |
Net interest margin | 3.1808% | 4,518 |
Noninterest income to average assets | 1.4900% | 417 |
Noninterest expense to average assets | 2.0606% | 4,629 |
Loan and lease loss provision to assets | 0.1847% | 1,051 |
Net operating income to assets | 1.6477% | 777 |
Return on assets (ROA) | 1.6497% | 773 |
Pretax return on assets | 2.0789% | 460 |
Return on Equity (ROE) | 14.1712% | 1,004 |
Retained earnings to average equity (ytd only) | 1.5023% | 4,533 |
Net charge-offs to loans | 0.4008% | 463 |
Credit loss provision to net charge-offs | 88.2623% | 2,744 |
Earnings coverage of net charge-offs (x) | 10.8063% | 2,684 |
Efficiency ratio | 47.3977% | 5,068 |
Assets per employee ($millions) | 13.0594% | 155 |
Cash dividends to net income (ytd only)* | 89.3988% | 460 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0131% | 3,597 |
Loan loss allowance to noncurrent loans | 113.2762% | 3,222 |
Noncurrent assets plus other real estate owned to assets | 0.4917% | 2,611 |
Noncurrent loans to loans | 0.8944% | 1,799 |
Net loans and leases to total assets | 52.1887% | 4,398 |
Net loans and leases to deposits | 63.8597% | 4,264 |
Net loans and leases to core deposits | 69.9129% | 4,121 |
Total domestic deposits to total assets | 77.0806% | 4,617 |
Equity capital to assets | 11.6523% | 2,139 |
Core capital (leverage) ratio | 8.7153% | 4,872 |
Tier 1 risk-based capital ratio | 12.5389% | 4,113 |
Total risk-based capital ratio | 13.5378% | 4,129 |
Memoranda: | ||
Average total assets | $1,771,363,200,000 | 2 |
Average earning assets | $1,576,763,800,000 | 2 |
Average equity | $206,214,600,000 | 2 |
Average total loans | $924,613,600,000 | 2 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5465% | 4,880 |
Cost of funding earning assets | 0.3919% | 3,920 |
Net interest margin | 3.1546% | 4,607 |
Noninterest income to average assets | 1.4931% | 429 |
Noninterest expense to average assets | 2.0602% | 4,624 |
Loan and lease loss provision to assets | 0.1779% | 1,026 |
Net operating income to assets | 1.6127% | 943 |
Return on assets (ROA) | 1.6139% | 943 |
Pretax return on assets | 2.0641% | 529 |
Return on Equity (ROE) | 13.8668% | 1,158 |
Retained earnings to average equity (ytd only) | 1.8189% | 4,632 |
Net charge-offs to loans | 0.4047% | 401 |
Credit loss provision to net charge-offs | 84.4365% | 2,478 |
Earnings coverage of net charge-offs (x) | 10.6326% | 2,569 |
Efficiency ratio | 47.6195% | 5,069 |
Assets per employee ($millions) | 13.1037% | 153 |
Cash dividends to net income (ytd only)* | 86.8834% | 432 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0519% | 3,453 |
Loan loss allowance to noncurrent loans | 111.9233% | 3,258 |
Noncurrent assets plus other real estate owned to assets | 0.4993% | 2,703 |
Noncurrent loans to loans | 0.9398% | 1,806 |
Net loans and leases to total assets | 50.3913% | 4,563 |
Net loans and leases to deposits | 63.1040% | 4,384 |
Net loans and leases to core deposits | 69.3717% | 4,228 |
Total domestic deposits to total assets | 74.8212% | 4,906 |
Equity capital to assets | 11.3781% | 2,342 |
Core capital (leverage) ratio | 8.5754% | 5,052 |
Tier 1 risk-based capital ratio | 12.1715% | 4,394 |
Total risk-based capital ratio | 13.1672% | 4,427 |
Memoranda: | ||
Average total assets | $1,768,544,250,000 | 2 |
Average earning assets | $1,573,983,250,000 | 2 |
Average equity | $205,838,750,000 | 2 |
Average total loans | $920,802,250,000 | 2 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5028% | 4,917 |
Cost of funding earning assets | 0.3510% | 4,072 |
Net interest margin | 3.1518% | 4,614 |
Noninterest income to average assets | 1.5022% | 428 |
Noninterest expense to average assets | 2.0986% | 4,609 |
Loan and lease loss provision to assets | 0.1876% | 944 |
Net operating income to assets | 1.5776% | 967 |
Return on assets (ROA) | 1.5777% | 972 |
Pretax return on assets | 2.0188% | 581 |
Return on Equity (ROE) | 13.4527% | 1,223 |
Retained earnings to average equity (ytd only) | 2.3989% | 4,309 |
Net charge-offs to loans | 0.4087% | 379 |
Credit loss provision to net charge-offs | 87.5332% | 2,189 |
Earnings coverage of net charge-offs (x) | 10.2928% | 2,338 |
Efficiency ratio | 48.4613% | 5,096 |
Assets per employee ($millions) | 12.5850% | 168 |
Cash dividends to net income (ytd only)* | 82.1681% | 661 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0772% | 3,400 |
Loan loss allowance to noncurrent loans | 100.1515% | 3,474 |
Noncurrent assets plus other real estate owned to assets | 0.5828% | 2,483 |
Noncurrent loans to loans | 1.0756% | 1,640 |
Net loans and leases to total assets | 51.7633% | 4,492 |
Net loans and leases to deposits | 65.4266% | 4,196 |
Net loans and leases to core deposits | 71.4795% | 4,043 |
Total domestic deposits to total assets | 74.6052% | 4,990 |
Equity capital to assets | 11.6686% | 2,081 |
Core capital (leverage) ratio | 8.7111% | 4,949 |
Tier 1 risk-based capital ratio | 12.2397% | 4,346 |
Total risk-based capital ratio | 13.2623% | 4,362 |
Memoranda: | ||
Average total assets | $1,758,765,333,330 | 2 |
Average earning assets | $1,563,999,000,000 | 3 |
Average equity | $206,263,666,670 | 2 |
Average total loans | $922,534,000,000 | 2 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4281% | 4,981 |
Cost of funding earning assets | 0.3082% | 4,285 |
Net interest margin | 3.1199% | 4,662 |
Noninterest income to average assets | 1.4718% | 435 |
Noninterest expense to average assets | 2.1308% | 4,582 |
Loan and lease loss provision to assets | 0.1884% | 900 |
Net operating income to assets | 1.5163% | 1,043 |
Return on assets (ROA) | 1.5168% | 1,041 |
Pretax return on assets | 1.9302% | 674 |
Return on Equity (ROE) | 12.9013% | 1,297 |
Retained earnings to average equity (ytd only) | 3.6142% | 3,758 |
Net charge-offs to loans | 0.3924% | 397 |
Credit loss provision to net charge-offs | 91.3907% | 1,662 |
Earnings coverage of net charge-offs (x) | 10.2759% | 1,911 |
Efficiency ratio | 49.8581% | 5,091 |
Assets per employee ($millions) | 12.5184% | 174 |
Cash dividends to net income (ytd only)* | 71.9856% | 986 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0973% | 3,400 |
Loan loss allowance to noncurrent loans | 93.9411% | 3,570 |
Noncurrent assets plus other real estate owned to assets | 0.6320% | 2,419 |
Noncurrent loans to loans | 1.1680% | 1,560 |
Net loans and leases to total assets | 51.6179% | 4,461 |
Net loans and leases to deposits | 64.6039% | 4,175 |
Net loans and leases to core deposits | 70.6636% | 4,050 |
Total domestic deposits to total assets | 75.0474% | 5,058 |
Equity capital to assets | 11.6530% | 2,028 |
Core capital (leverage) ratio | 8.7719% | 4,924 |
Tier 1 risk-based capital ratio | 12.2438% | 4,408 |
Total risk-based capital ratio | 13.2815% | 4,421 |
Memoranda: | ||
Average total assets | $1,758,383,000,000 | 2 |
Average earning assets | $1,565,050,000,000 | 3 |
Average equity | $206,739,500,000 | 2 |
Average total loans | $923,447,000,000 | 2 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2851% | 5,099 |
Cost of funding earning assets | 0.2061% | 4,895 |
Net interest margin | 3.0790% | 4,732 |
Noninterest income to average assets | 1.4975% | 470 |
Noninterest expense to average assets | 2.1436% | 4,667 |
Loan and lease loss provision to assets | 0.1952% | 1,068 |
Net operating income to assets | 1.2287% | 1,429 |
Return on assets (ROA) | 1.2363% | 1,426 |
Pretax return on assets | 1.8992% | 603 |
Return on Equity (ROE) | 10.2334% | 1,795 |
Retained earnings to average equity (ytd only) | -0.4908% | 5,116 |
Net charge-offs to loans | 0.4386% | 556 |
Credit loss provision to net charge-offs | 84.2105% | 2,881 |
Earnings coverage of net charge-offs (x) | 8.9864% | 2,842 |
Efficiency ratio | 50.3073% | 5,204 |
Assets per employee ($millions) | 12.2990% | 172 |
Cash dividends to net income (ytd only)* | 104.7961% | 297 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1060% | 3,325 |
Loan loss allowance to noncurrent loans | 89.1414% | 3,730 |
Noncurrent assets plus other real estate owned to assets | 0.6744% | 2,293 |
Noncurrent loans to loans | 1.2407% | 1,425 |
Net loans and leases to total assets | 52.2612% | 4,502 |
Net loans and leases to deposits | 66.0076% | 4,190 |
Net loans and leases to core deposits | 72.1348% | 4,039 |
Total domestic deposits to total assets | 74.3012% | 5,154 |
Equity capital to assets | 11.8625% | 1,934 |
Core capital (leverage) ratio | 9.0033% | 4,647 |
Tier 1 risk-based capital ratio | 12.5356% | 4,184 |
Total risk-based capital ratio | 13.5924% | 4,211 |
Memoranda: | ||
Average total assets | $1,713,474,400,000 | 3 |
Average earning assets | $1,518,495,600,000 | 3 |
Average equity | $207,007,800,000 | 2 |
Average total loans | $905,391,200,000 | 2 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2671% | 5,153 |
Cost of funding earning assets | 0.1866% | 5,083 |
Net interest margin | 3.0806% | 4,755 |
Noninterest income to average assets | 1.5253% | 468 |
Noninterest expense to average assets | 2.1512% | 4,633 |
Loan and lease loss provision to assets | 0.1837% | 1,076 |
Net operating income to assets | 1.2664% | 1,451 |
Return on assets (ROA) | 1.2806% | 1,429 |
Pretax return on assets | 1.9381% | 623 |
Return on Equity (ROE) | 10.5508% | 1,880 |
Retained earnings to average equity (ytd only) | -0.3443% | 5,264 |
Net charge-offs to loans | 0.4049% | 524 |
Credit loss provision to net charge-offs | 85.8815% | 2,510 |
Earnings coverage of net charge-offs (x) | 9.8178% | 2,659 |
Efficiency ratio | 50.1693% | 5,239 |
Assets per employee ($millions) | 12.0915% | 179 |
Cash dividends to net income (ytd only)* | 103.2629% | 282 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1471% | 3,214 |
Loan loss allowance to noncurrent loans | 91.1958% | 3,692 |
Noncurrent assets plus other real estate owned to assets | 0.6888% | 2,439 |
Noncurrent loans to loans | 1.2578% | 1,521 |
Net loans and leases to total assets | 52.5700% | 4,533 |
Net loans and leases to deposits | 66.0492% | 4,252 |
Net loans and leases to core deposits | 71.7151% | 4,150 |
Total domestic deposits to total assets | 75.1870% | 5,109 |
Equity capital to assets | 12.1162% | 1,892 |
Core capital (leverage) ratio | 9.2037% | 4,515 |
Tier 1 risk-based capital ratio | 12.8480% | 4,116 |
Total risk-based capital ratio | 13.9464% | 4,102 |
Memoranda: | ||
Average total assets | $1,703,962,000,000 | 3 |
Average earning assets | $1,507,909,500,000 | 3 |
Average equity | $206,816,000,000 | 2 |
Average total loans | $900,338,000,000 | 2 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2417% | 5,189 |
Cost of funding earning assets | 0.1604% | 5,270 |
Net interest margin | 3.0812% | 4,723 |
Noninterest income to average assets | 1.5961% | 437 |
Noninterest expense to average assets | 2.1908% | 4,577 |
Loan and lease loss provision to assets | 0.1779% | 1,076 |
Net operating income to assets | 1.2860% | 1,337 |
Return on assets (ROA) | 1.2976% | 1,327 |
Pretax return on assets | 1.9657% | 563 |
Return on Equity (ROE) | 10.6843% | 1,764 |
Retained earnings to average equity (ytd only) | 0.2028% | 5,026 |
Net charge-offs to loans | 0.4096% | 498 |
Credit loss provision to net charge-offs | 82.3690% | 2,236 |
Earnings coverage of net charge-offs (x) | 9.8461% | 2,390 |
Efficiency ratio | 50.3085% | 5,288 |
Assets per employee ($millions) | 11.9001% | 177 |
Cash dividends to net income (ytd only)* | 98.1016% | 508 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1898% | 3,083 |
Loan loss allowance to noncurrent loans | 89.2881% | 3,758 |
Noncurrent assets plus other real estate owned to assets | 0.7238% | 2,395 |
Noncurrent loans to loans | 1.3325% | 1,448 |
Net loans and leases to total assets | 52.0221% | 4,567 |
Net loans and leases to deposits | 65.7750% | 4,237 |
Net loans and leases to core deposits | 71.5664% | 4,121 |
Total domestic deposits to total assets | 74.4551% | 5,255 |
Equity capital to assets | 12.1327% | 1,841 |
Core capital (leverage) ratio | 9.1627% | 4,536 |
Tier 1 risk-based capital ratio | 12.8452% | 4,093 |
Total risk-based capital ratio | 13.9716% | 4,079 |
Memoranda: | ||
Average total assets | $1,696,877,666,670 | 3 |
Average earning assets | $1,498,369,333,330 | 3 |
Average equity | $206,077,666,670 | 2 |
Average total loans | $894,627,333,330 | 2 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2246% | 5,207 |
Cost of funding earning assets | 0.1437% | 5,415 |
Net interest margin | 3.0809% | 4,709 |
Noninterest income to average assets | 1.4347% | 523 |
Noninterest expense to average assets | 2.2700% | 4,482 |
Loan and lease loss provision to assets | 0.1877% | 900 |
Net operating income to assets | 1.1472% | 1,680 |
Return on assets (ROA) | 1.1551% | 1,679 |
Pretax return on assets | 1.6989% | 1,007 |
Return on Equity (ROE) | 9.5064% | 2,185 |
Retained earnings to average equity (ytd only) | -2.0192% | 5,172 |
Net charge-offs to loans | 0.4157% | 442 |
Credit loss provision to net charge-offs | 85.5603% | 1,717 |
Earnings coverage of net charge-offs (x) | 8.5485% | 2,054 |
Efficiency ratio | 54.2966% | 5,095 |
Assets per employee ($millions) | 11.7386% | 183 |
Cash dividends to net income (ytd only)* | 121.2400% | 536 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2165% | 3,034 |
Loan loss allowance to noncurrent loans | 81.3714% | 3,976 |
Noncurrent assets plus other real estate owned to assets | 0.8124% | 2,262 |
Noncurrent loans to loans | 1.4950% | 1,340 |
Net loans and leases to total assets | 51.8167% | 4,533 |
Net loans and leases to deposits | 65.6233% | 4,200 |
Net loans and leases to core deposits | 71.4851% | 4,031 |
Total domestic deposits to total assets | 74.5933% | 5,369 |
Equity capital to assets | 12.0113% | 1,829 |
Core capital (leverage) ratio | 9.1062% | 4,611 |
Tier 1 risk-based capital ratio | 12.5850% | 4,334 |
Total risk-based capital ratio | 13.7402% | 4,299 |
Memoranda: | ||
Average total assets | $1,692,352,500,000 | 3 |
Average earning assets | $1,488,798,500,000 | 3 |
Average equity | $205,629,000,000 | 2 |
Average total loans | $892,868,000,000 | 2 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0630% | 5,445 |
Cost of funding earning assets | 0.1326% | 5,532 |
Net interest margin | 2.9304% | 5,081 |
Noninterest income to average assets | 1.5645% | 495 |
Noninterest expense to average assets | 2.1917% | 4,791 |
Loan and lease loss provision to assets | 0.2166% | 1,027 |
Net operating income to assets | 1.1680% | 1,616 |
Return on assets (ROA) | 1.1874% | 1,642 |
Pretax return on assets | 1.7688% | 859 |
Return on Equity (ROE) | 9.4865% | 2,199 |
Retained earnings to average equity (ytd only) | 3.0401% | 3,733 |
Net charge-offs to loans | 0.4260% | 609 |
Credit loss provision to net charge-offs | 94.9498% | 2,704 |
Earnings coverage of net charge-offs (x) | 8.5754% | 2,859 |
Efficiency ratio | 52.2388% | 5,366 |
Assets per employee ($millions) | 11.5494% | 192 |
Cash dividends to net income (ytd only)* | 67.9537% | 1,427 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2380% | 2,887 |
Loan loss allowance to noncurrent loans | 76.6838% | 4,068 |
Noncurrent assets plus other real estate owned to assets | 0.8863% | 2,136 |
Noncurrent loans to loans | 1.6144% | 1,215 |
Net loans and leases to total assets | 52.4115% | 4,571 |
Net loans and leases to deposits | 65.9053% | 4,249 |
Net loans and leases to core deposits | 71.8413% | 4,094 |
Total domestic deposits to total assets | 75.1159% | 5,340 |
Equity capital to assets | 12.2921% | 1,636 |
Core capital (leverage) ratio | 9.2967% | 4,351 |
Tier 1 risk-based capital ratio | 12.7368% | 4,251 |
Total risk-based capital ratio | 13.9033% | 4,180 |
Memoranda: | ||
Average total assets | $1,657,682,600,000 | 3 |
Average earning assets | $1,461,529,200,000 | 3 |
Average equity | $207,495,000,000 | 1 |
Average total loans | $887,842,800,000 | 2 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0596% | 5,515 |
Cost of funding earning assets | 0.1328% | 5,595 |
Net interest margin | 2.9268% | 5,139 |
Noninterest income to average assets | 1.5840% | 493 |
Noninterest expense to average assets | 2.2245% | 4,703 |
Loan and lease loss provision to assets | 0.2264% | 894 |
Net operating income to assets | 1.1633% | 1,757 |
Return on assets (ROA) | 1.1897% | 1,768 |
Pretax return on assets | 1.7567% | 982 |
Return on Equity (ROE) | 9.4612% | 2,289 |
Retained earnings to average equity (ytd only) | 4.2639% | 3,287 |
Net charge-offs to loans | 0.4370% | 492 |
Credit loss provision to net charge-offs | 96.5268% | 2,428 |
Earnings coverage of net charge-offs (x) | 8.2882% | 2,784 |
Efficiency ratio | 52.7527% | 5,334 |
Assets per employee ($millions) | 11.3486% | 198 |
Cash dividends to net income (ytd only)* | 54.9332% | 1,652 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2795% | 2,804 |
Loan loss allowance to noncurrent loans | 75.5189% | 4,140 |
Noncurrent assets plus other real estate owned to assets | 0.9389% | 2,216 |
Noncurrent loans to loans | 1.6942% | 1,240 |
Net loans and leases to total assets | 53.2730% | 4,560 |
Net loans and leases to deposits | 67.3717% | 4,215 |
Net loans and leases to core deposits | 74.2680% | 3,977 |
Total domestic deposits to total assets | 73.8669% | 5,450 |
Equity capital to assets | 12.7471% | 1,623 |
Core capital (leverage) ratio | 9.5795% | 4,083 |
Tier 1 risk-based capital ratio | 13.0544% | 4,129 |
Total risk-based capital ratio | 14.2543% | 4,075 |
Memoranda: | ||
Average total assets | $1,652,730,750,000 | 3 |
Average earning assets | $1,459,663,500,000 | 3 |
Average equity | $207,819,000,000 | 1 |
Average total loans | $887,248,750,000 | 2 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7786% | 5,810 |
Cost of funding earning assets | 0.1326% | 5,671 |
Net interest margin | 2.6460% | 5,621 |
Noninterest income to average assets | 1.5727% | 491 |
Noninterest expense to average assets | 2.2638% | 4,700 |
Loan and lease loss provision to assets | 0.2392% | 825 |
Net operating income to assets | 0.9440% | 2,651 |
Return on assets (ROA) | 0.9832% | 2,599 |
Pretax return on assets | 1.4623% | 1,800 |
Return on Equity (ROE) | 7.8551% | 3,058 |
Retained earnings to average equity (ytd only) | 4.2717% | 3,196 |
Net charge-offs to loans | 0.4584% | 490 |
Credit loss provision to net charge-offs | 97.3853% | 2,160 |
Earnings coverage of net charge-offs (x) | 6.6887% | 2,716 |
Efficiency ratio | 57.2847% | 4,993 |
Assets per employee ($millions) | 11.1777% | 194 |
Cash dividends to net income (ytd only)* | 45.6181% | 2,164 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3034% | 2,761 |
Loan loss allowance to noncurrent loans | 74.1181% | 4,268 |
Noncurrent assets plus other real estate owned to assets | 0.9703% | 2,204 |
Noncurrent loans to loans | 1.7586% | 1,194 |
Net loans and leases to total assets | 52.9718% | 4,590 |
Net loans and leases to deposits | 67.7195% | 4,204 |
Net loans and leases to core deposits | 75.0334% | 3,907 |
Total domestic deposits to total assets | 72.6523% | 5,626 |
Equity capital to assets | 12.6701% | 1,675 |
Core capital (leverage) ratio | 9.4945% | 4,216 |
Tier 1 risk-based capital ratio | 12.9739% | 4,218 |
Total risk-based capital ratio | 14.1922% | 4,146 |
Memoranda: | ||
Average total assets | $1,650,376,666,670 | 3 |
Average earning assets | $1,455,844,666,670 | 3 |
Average equity | $206,566,666,670 | 1 |
Average total loans | $884,437,666,670 | 2 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7726% | 5,868 |
Cost of funding earning assets | 0.1336% | 5,730 |
Net interest margin | 2.6389% | 5,679 |
Noninterest income to average assets | 1.5064% | 501 |
Noninterest expense to average assets | 2.3099% | 4,632 |
Loan and lease loss provision to assets | 0.2509% | 701 |
Net operating income to assets | 0.8651% | 2,917 |
Return on assets (ROA) | 0.9017% | 2,870 |
Pretax return on assets | 1.3259% | 2,197 |
Return on Equity (ROE) | 7.2492% | 3,318 |
Retained earnings to average equity (ytd only) | 7.2492% | 1,773 |
Net charge-offs to loans | 0.4809% | 462 |
Credit loss provision to net charge-offs | 97.4528% | 1,700 |
Earnings coverage of net charge-offs (x) | 5.9142% | 2,283 |
Efficiency ratio | 59.5893% | 4,800 |
Assets per employee ($millions) | 10.9650% | 207 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3377% | 2,718 |
Loan loss allowance to noncurrent loans | 69.9692% | 4,324 |
Noncurrent assets plus other real estate owned to assets | 1.0489% | 2,113 |
Noncurrent loans to loans | 1.9118% | 1,137 |
Net loans and leases to total assets | 52.7201% | 4,556 |
Net loans and leases to deposits | 67.1939% | 4,138 |
Net loans and leases to core deposits | 73.8640% | 3,904 |
Total domestic deposits to total assets | 73.3837% | 5,663 |
Equity capital to assets | 12.5845% | 1,630 |
Core capital (leverage) ratio | 9.5016% | 4,194 |
Tier 1 risk-based capital ratio | 12.6149% | 4,511 |
Total risk-based capital ratio | 13.8387% | 4,435 |
Memoranda: | ||
Average total assets | $1,646,626,000,000 | 2 |
Average earning assets | $1,451,651,000,000 | 3 |
Average equity | $204,822,500,000 | 1 |
Average total loans | $881,754,000,000 | 2 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0742% | 5,666 |
Cost of funding earning assets | 0.1224% | 5,869 |
Net interest margin | 2.9518% | 5,244 |
Noninterest income to average assets | 1.6991% | 452 |
Noninterest expense to average assets | 2.4052% | 4,499 |
Loan and lease loss provision to assets | 0.1894% | 1,173 |
Net operating income to assets | 1.1415% | 1,762 |
Return on assets (ROA) | 1.1869% | 1,674 |
Pretax return on assets | 1.7493% | 894 |
Return on Equity (ROE) | 9.4298% | 2,255 |
Retained earnings to average equity (ytd only) | 0.1359% | 5,450 |
Net charge-offs to loans | 0.4951% | 541 |
Credit loss provision to net charge-offs | 71.0883% | 3,109 |
Earnings coverage of net charge-offs (x) | 7.0262% | 3,129 |
Efficiency ratio | 55.4865% | 5,397 |
Assets per employee ($millions) | 10.8607% | 207 |
Cash dividends to net income (ytd only)* | 98.5583% | 424 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3594% | 2,620 |
Loan loss allowance to noncurrent loans | 65.1859% | 4,510 |
Noncurrent assets plus other real estate owned to assets | 1.1514% | 1,892 |
Noncurrent loans to loans | 2.0854% | 985 |
Net loans and leases to total assets | 52.9349% | 4,610 |
Net loans and leases to deposits | 67.2076% | 4,197 |
Net loans and leases to core deposits | 73.3969% | 4,005 |
Total domestic deposits to total assets | 74.0395% | 5,642 |
Equity capital to assets | 12.2920% | 1,750 |
Core capital (leverage) ratio | 9.1976% | 4,620 |
Tier 1 risk-based capital ratio | 12.2464% | 4,801 |
Total risk-based capital ratio | 13.5146% | 4,681 |
Memoranda: | ||
Average total assets | $1,607,160,400,000 | 2 |
Average earning assets | $1,403,704,800,000 | 3 |
Average equity | $202,284,800,000 | 1 |
Average total loans | $864,948,600,000 | 1 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0642% | 5,753 |
Cost of funding earning assets | 0.1264% | 5,940 |
Net interest margin | 2.9377% | 5,337 |
Noninterest income to average assets | 1.7298% | 441 |
Noninterest expense to average assets | 2.4287% | 4,418 |
Loan and lease loss provision to assets | 0.1838% | 1,128 |
Net operating income to assets | 1.1329% | 1,885 |
Return on assets (ROA) | 1.1778% | 1,794 |
Pretax return on assets | 1.7458% | 1,002 |
Return on Equity (ROE) | 9.3018% | 2,418 |
Retained earnings to average equity (ytd only) | -0.2463% | 5,649 |
Net charge-offs to loans | 0.4872% | 497 |
Credit loss provision to net charge-offs | 70.0667% | 2,768 |
Earnings coverage of net charge-offs (x) | 7.0991% | 2,954 |
Efficiency ratio | 55.8345% | 5,375 |
Assets per employee ($millions) | 10.6009% | 220 |
Cash dividends to net income (ytd only)* | 102.6476% | 346 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4297% | 2,457 |
Loan loss allowance to noncurrent loans | 64.0869% | 4,568 |
Noncurrent assets plus other real estate owned to assets | 1.2302% | 1,907 |
Noncurrent loans to loans | 2.2310% | 978 |
Net loans and leases to total assets | 52.7295% | 4,690 |
Net loans and leases to deposits | 67.6066% | 4,228 |
Net loans and leases to core deposits | 73.7842% | 4,034 |
Total domestic deposits to total assets | 73.4179% | 5,757 |
Equity capital to assets | 12.5385% | 1,728 |
Core capital (leverage) ratio | 9.3274% | 4,549 |
Tier 1 risk-based capital ratio | 12.4823% | 4,768 |
Total risk-based capital ratio | 13.8135% | 4,610 |
Memoranda: | ||
Average total assets | $1,599,124,250,000 | 2 |
Average earning assets | $1,394,369,250,000 | 3 |
Average equity | $202,480,000,000 | 1 |
Average total loans | $861,254,750,000 | 1 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1345% | 5,698 |
Cost of funding earning assets | 0.1269% | 6,001 |
Net interest margin | 3.0076% | 5,207 |
Noninterest income to average assets | 1.7273% | 454 |
Noninterest expense to average assets | 2.4446% | 4,412 |
Loan and lease loss provision to assets | 0.1860% | 1,084 |
Net operating income to assets | 1.1646% | 1,725 |
Return on assets (ROA) | 1.2005% | 1,675 |
Pretax return on assets | 1.7672% | 944 |
Return on Equity (ROE) | 9.4499% | 2,322 |
Retained earnings to average equity (ytd only) | 0.0385% | 5,490 |
Net charge-offs to loans | 0.5185% | 478 |
Credit loss provision to net charge-offs | 66.4574% | 2,519 |
Earnings coverage of net charge-offs (x) | 6.7897% | 2,740 |
Efficiency ratio | 55.4987% | 5,474 |
Assets per employee ($millions) | 10.5138% | 227 |
Cash dividends to net income (ytd only)* | 99.5922% | 531 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4716% | 2,407 |
Loan loss allowance to noncurrent loans | 59.1163% | 4,774 |
Noncurrent assets plus other real estate owned to assets | 1.3903% | 1,805 |
Noncurrent loans to loans | 2.4894% | 901 |
Net loans and leases to total assets | 53.0326% | 4,658 |
Net loans and leases to deposits | 68.5276% | 4,082 |
Net loans and leases to core deposits | 74.9118% | 3,864 |
Total domestic deposits to total assets | 72.8145% | 5,888 |
Equity capital to assets | 12.5377% | 1,639 |
Core capital (leverage) ratio | 9.4382% | 4,366 |
Tier 1 risk-based capital ratio | 12.4926% | 4,812 |
Total risk-based capital ratio | 13.8476% | 4,666 |
Memoranda: | ||
Average total assets | $1,593,357,000,000 | 2 |
Average earning assets | $1,386,880,333,330 | 3 |
Average equity | $202,415,000,000 | 1 |
Average total loans | $860,107,333,330 | 1 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9897% | 5,906 |
Cost of funding earning assets | 0.1283% | 6,074 |
Net interest margin | 2.8614% | 5,529 |
Noninterest income to average assets | 1.7133% | 443 |
Noninterest expense to average assets | 2.5120% | 4,229 |
Loan and lease loss provision to assets | 0.1888% | 996 |
Net operating income to assets | 1.0109% | 2,216 |
Return on assets (ROA) | 1.0556% | 2,145 |
Pretax return on assets | 1.5630% | 1,363 |
Return on Equity (ROE) | 8.2550% | 2,825 |
Retained earnings to average equity (ytd only) | -0.4179% | 5,457 |
Net charge-offs to loans | 0.5535% | 447 |
Credit loss provision to net charge-offs | 63.1003% | 1,969 |
Earnings coverage of net charge-offs (x) | 5.6352% | 2,368 |
Efficiency ratio | 59.0393% | 5,220 |
Assets per employee ($millions) | 10.2409% | 241 |
Cash dividends to net income (ytd only)* | 105.0621% | 634 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5541% | 2,219 |
Loan loss allowance to noncurrent loans | 56.5072% | 4,826 |
Noncurrent assets plus other real estate owned to assets | 1.5261% | 1,707 |
Noncurrent loans to loans | 2.7502% | 850 |
Net loans and leases to total assets | 52.6979% | 4,588 |
Net loans and leases to deposits | 67.9743% | 3,959 |
Net loans and leases to core deposits | 73.9615% | 3,776 |
Total domestic deposits to total assets | 73.1926% | 5,963 |
Equity capital to assets | 12.7208% | 1,557 |
Core capital (leverage) ratio | 9.5094% | 4,263 |
Tier 1 risk-based capital ratio | 12.5996% | 4,837 |
Total risk-based capital ratio | 14.0434% | 4,652 |
Memoranda: | ||
Average total assets | $1,586,919,500,000 | 2 |
Average earning assets | $1,378,064,000,000 | 3 |
Average equity | $202,930,500,000 | 1 |
Average total loans | $857,886,500,000 | 1 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1539% | 5,896 |
Cost of funding earning assets | 0.1315% | 6,190 |
Net interest margin | 3.0223% | 5,400 |
Noninterest income to average assets | 1.8359% | 392 |
Noninterest expense to average assets | 2.8275% | 3,387 |
Loan and lease loss provision to assets | 0.1456% | 1,816 |
Net operating income to assets | 1.0071% | 2,347 |
Return on assets (ROA) | 1.0623% | 2,179 |
Pretax return on assets | 1.5642% | 1,338 |
Return on Equity (ROE) | 8.5401% | 2,818 |
Retained earnings to average equity (ytd only) | 2.3382% | 4,562 |
Net charge-offs to loans | 0.4964% | 830 |
Credit loss provision to net charge-offs | 53.6451% | 3,410 |
Earnings coverage of net charge-offs (x) | 6.0021% | 3,295 |
Efficiency ratio | 62.5902% | 4,814 |
Assets per employee ($millions) | 9.8978% | 261 |
Cash dividends to net income (ytd only)* | 72.6208% | 1,191 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6349% | 1,969 |
Loan loss allowance to noncurrent loans | 52.3939% | 5,029 |
Noncurrent assets plus other real estate owned to assets | 1.8160% | 1,434 |
Noncurrent loans to loans | 3.1204% | 713 |
Net loans and leases to total assets | 53.7060% | 4,611 |
Net loans and leases to deposits | 69.6867% | 3,956 |
Net loans and leases to core deposits | 76.1857% | 3,690 |
Total domestic deposits to total assets | 72.6435% | 6,045 |
Equity capital to assets | 12.8557% | 1,437 |
Core capital (leverage) ratio | 9.6220% | 4,070 |
Tier 1 risk-based capital ratio | 13.1414% | 4,631 |
Total risk-based capital ratio | 14.6328% | 4,416 |
Memoranda: | ||
Average total assets | $1,607,427,000,000 | 2 |
Average earning assets | $1,393,653,200,000 | 2 |
Average equity | $199,940,000,000 | 1 |
Average total loans | $878,772,200,000 | 1 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6215% | 6,369 |
Cost of funding earning assets | 0.1394% | 6,244 |
Net interest margin | 2.4821% | 6,244 |
Noninterest income to average assets | 1.9102% | 373 |
Noninterest expense to average assets | 2.8869% | 3,171 |
Loan and lease loss provision to assets | 0.0311% | 3,786 |
Net operating income to assets | 0.7727% | 3,552 |
Return on assets (ROA) | 0.8444% | 3,300 |
Pretax return on assets | 1.2272% | 2,667 |
Return on Equity (ROE) | 6.8513% | 3,790 |
Retained earnings to average equity (ytd only) | 0.6597% | 5,607 |
Net charge-offs to loans | 0.1779% | 2,028 |
Credit loss provision to net charge-offs | 33.2362% | 3,407 |
Earnings coverage of net charge-offs (x) | 12.3489% | 2,327 |
Efficiency ratio | 71.1781% | 3,311 |
Assets per employee ($millions) | 10.0917% | 231 |
Cash dividends to net income (ytd only)* | 90.3712% | 514 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3923% | 3,215 |
Loan loss allowance to noncurrent loans | 35.8885% | 5,566 |
Noncurrent assets plus other real estate owned to assets | 2.0328% | 1,400 |
Noncurrent loans to loans | 3.8794% | 566 |
Net loans and leases to total assets | 48.7420% | 5,129 |
Net loans and leases to deposits | 61.7791% | 4,763 |
Net loans and leases to core deposits | 68.3028% | 4,481 |
Total domestic deposits to total assets | 74.0208% | 6,013 |
Equity capital to assets | 11.9425% | 2,109 |
Core capital (leverage) ratio | 8.9981% | 5,073 |
Tier 1 risk-based capital ratio | 12.4858% | 5,176 |
Total risk-based capital ratio | 13.9016% | 4,979 |
Memoranda: | ||
Average total assets | $1,467,722,250,000 | 2 |
Average earning assets | $1,260,157,500,000 | 3 |
Average equity | $180,887,000,000 | 1 |
Average total loans | $771,269,250,000 | 2 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6700% | 6,413 |
Cost of funding earning assets | 0.1470% | 6,277 |
Net interest margin | 2.5230% | 6,247 |
Noninterest income to average assets | 1.9151% | 368 |
Noninterest expense to average assets | 2.8515% | 3,332 |
Loan and lease loss provision to assets | 0.0433% | 3,450 |
Net operating income to assets | 0.7864% | 3,398 |
Return on assets (ROA) | 0.8533% | 3,157 |
Pretax return on assets | 1.2783% | 2,341 |
Return on Equity (ROE) | 6.8491% | 3,699 |
Retained earnings to average equity (ytd only) | 0.4776% | 5,549 |
Net charge-offs to loans | 0.1964% | 1,847 |
Credit loss provision to net charge-offs | 41.1533% | 2,906 |
Earnings coverage of net charge-offs (x) | 11.6003% | 2,144 |
Efficiency ratio | 69.7462% | 3,697 |
Assets per employee ($millions) | 9.4447% | 283 |
Cash dividends to net income (ytd only)* | 93.0270% | 632 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4229% | 3,234 |
Loan loss allowance to noncurrent loans | 33.4289% | 5,698 |
Noncurrent assets plus other real estate owned to assets | 2.3894% | 1,213 |
Noncurrent loans to loans | 4.2566% | 537 |
Net loans and leases to total assets | 52.2128% | 4,726 |
Net loans and leases to deposits | 67.3232% | 4,134 |
Net loans and leases to core deposits | 75.6464% | 3,658 |
Total domestic deposits to total assets | 71.9174% | 6,255 |
Equity capital to assets | 12.5576% | 1,609 |
Core capital (leverage) ratio | 9.0975% | 4,876 |
Tier 1 risk-based capital ratio | 12.5617% | 5,184 |
Total risk-based capital ratio | 14.0322% | 4,988 |
Memoranda: | ||
Average total assets | $1,448,771,333,330 | 2 |
Average earning assets | $1,239,324,666,670 | 3 |
Average equity | $180,491,666,670 | 1 |
Average total loans | $777,159,000,000 | 2 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6860% | 6,474 |
Cost of funding earning assets | 0.1397% | 6,402 |
Net interest margin | 2.5463% | 6,291 |
Noninterest income to average assets | 1.9463% | 349 |
Noninterest expense to average assets | 2.9733% | 2,970 |
Loan and lease loss provision to assets | 0.0708% | 2,720 |
Net operating income to assets | 0.7400% | 3,484 |
Return on assets (ROA) | 0.8076% | 3,192 |
Pretax return on assets | 1.1728% | 2,599 |
Return on Equity (ROE) | 6.5085% | 3,742 |
Retained earnings to average equity (ytd only) | 0.3768% | 5,422 |
Net charge-offs to loans | 0.2516% | 1,319 |
Credit loss provision to net charge-offs | 52.1385% | 2,181 |
Earnings coverage of net charge-offs (x) | 8.4338% | 2,024 |
Efficiency ratio | 71.9304% | 3,497 |
Assets per employee ($millions) | 9.2682% | 313 |
Cash dividends to net income (ytd only)* | 94.2103% | 767 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4599% | 3,332 |
Loan loss allowance to noncurrent loans | 31.3846% | 5,820 |
Noncurrent assets plus other real estate owned to assets | 2.6101% | 1,192 |
Noncurrent loans to loans | 4.6516% | 503 |
Net loans and leases to total assets | 52.4950% | 4,618 |
Net loans and leases to deposits | 67.9073% | 3,865 |
Net loans and leases to core deposits | 75.9782% | 3,414 |
Total domestic deposits to total assets | 71.6737% | 6,377 |
Equity capital to assets | 12.3538% | 1,657 |
Core capital (leverage) ratio | 9.0825% | 4,889 |
Tier 1 risk-based capital ratio | 12.3358% | 5,416 |
Total risk-based capital ratio | 13.8706% | 5,179 |
Memoranda: | ||
Average total assets | $1,445,786,000,000 | 2 |
Average earning assets | $1,233,641,000,000 | 3 |
Average equity | $179,397,000,000 | 1 |
Average total loans | $780,475,500,000 | 2 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9022% | 6,421 |
Cost of funding earning assets | 0.2172% | 6,198 |
Net interest margin | 2.6850% | 6,160 |
Noninterest income to average assets | 2.0927% | 369 |
Noninterest expense to average assets | 2.7134% | 4,046 |
Loan and lease loss provision to assets | 0.0302% | 4,506 |
Net operating income to assets | 1.0764% | 2,010 |
Return on assets (ROA) | 1.1318% | 1,891 |
Pretax return on assets | 1.7083% | 931 |
Return on Equity (ROE) | 9.1774% | 2,461 |
Retained earnings to average equity (ytd only) | 4.4365% | 3,018 |
Net charge-offs to loans | 0.4412% | 1,505 |
Credit loss provision to net charge-offs | 12.7057% | 4,556 |
Earnings coverage of net charge-offs (x) | 6.9726% | 2,937 |
Efficiency ratio | 61.7746% | 5,248 |
Assets per employee ($millions) | 9.2408% | 302 |
Cash dividends to net income (ytd only)* | 51.6590% | 2,190 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5253% | 3,069 |
Loan loss allowance to noncurrent loans | 30.4069% | 5,934 |
Noncurrent assets plus other real estate owned to assets | 2.8991% | 1,103 |
Noncurrent loans to loans | 5.0162% | 497 |
Net loans and leases to total assets | 53.8704% | 4,593 |
Net loans and leases to deposits | 69.3246% | 3,869 |
Net loans and leases to core deposits | 77.5097% | 3,424 |
Total domestic deposits to total assets | 72.1792% | 6,411 |
Equity capital to assets | 12.4636% | 1,528 |
Core capital (leverage) ratio | 9.1931% | 4,731 |
Tier 1 risk-based capital ratio | 12.3212% | 5,416 |
Total risk-based capital ratio | 13.8059% | 5,207 |
Memoranda: | ||
Average total assets | $1,459,308,657,000 | 2 |
Average earning assets | $1,236,635,208,200 | 2 |
Average equity | $179,963,695,400 | 1 |
Average total loans | $784,826,764,000 | 1 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8907% | 6,500 |
Cost of funding earning assets | 0.2302% | 6,227 |
Net interest margin | 2.6605% | 6,237 |
Noninterest income to average assets | 2.2049% | 361 |
Noninterest expense to average assets | 2.7252% | 3,925 |
Loan and lease loss provision to assets | 0.0477% | 4,061 |
Net operating income to assets | 1.1202% | 1,932 |
Return on assets (ROA) | 1.1727% | 1,800 |
Pretax return on assets | 1.7626% | 974 |
Return on Equity (ROE) | 9.5345% | 2,382 |
Retained earnings to average equity (ytd only) | 5.8685% | 2,498 |
Net charge-offs to loans | 0.4795% | 1,336 |
Credit loss provision to net charge-offs | 18.5618% | 4,095 |
Earnings coverage of net charge-offs (x) | 6.7439% | 2,914 |
Efficiency ratio | 60.7948% | 5,308 |
Assets per employee ($millions) | 8.9845% | 308 |
Cash dividends to net income (ytd only)* | 38.4502% | 2,339 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6923% | 2,645 |
Loan loss allowance to noncurrent loans | 30.3943% | 5,981 |
Noncurrent assets plus other real estate owned to assets | 3.2422% | 1,096 |
Noncurrent loans to loans | 5.5679% | 489 |
Net loans and leases to total assets | 54.2077% | 4,579 |
Net loans and leases to deposits | 69.7490% | 3,821 |
Net loans and leases to core deposits | 77.9307% | 3,370 |
Total domestic deposits to total assets | 72.3928% | 6,465 |
Equity capital to assets | 12.5426% | 1,557 |
Core capital (leverage) ratio | 9.2328% | 4,785 |
Tier 1 risk-based capital ratio | 12.3982% | 5,517 |
Total risk-based capital ratio | 13.9317% | 5,280 |
Memoranda: | ||
Average total assets | $1,465,706,821,250 | 2 |
Average earning assets | $1,240,677,760,250 | 2 |
Average equity | $180,281,369,250 | 1 |
Average total loans | $784,955,705,000 | 1 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9185% | 6,519 |
Cost of funding earning assets | 0.2437% | 6,221 |
Net interest margin | 2.6749% | 6,218 |
Noninterest income to average assets | 2.4002% | 339 |
Noninterest expense to average assets | 2.7540% | 3,843 |
Loan and lease loss provision to assets | 0.1297% | 2,701 |
Net operating income to assets | 1.1784% | 1,646 |
Return on assets (ROA) | 1.2252% | 1,633 |
Pretax return on assets | 1.8503% | 822 |
Return on Equity (ROE) | 10.0256% | 2,189 |
Retained earnings to average equity (ytd only) | 6.7440% | 2,008 |
Net charge-offs to loans | 0.5534% | 1,192 |
Credit loss provision to net charge-offs | 44.1774% | 3,339 |
Earnings coverage of net charge-offs (x) | 6.5046% | 2,708 |
Efficiency ratio | 58.7139% | 5,643 |
Assets per employee ($millions) | 8.5530% | 370 |
Cash dividends to net income (ytd only)* | 32.7319% | 2,560 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9057% | 2,100 |
Loan loss allowance to noncurrent loans | 29.5564% | 6,038 |
Noncurrent assets plus other real estate owned to assets | 3.7077% | 992 |
Noncurrent loans to loans | 6.4477% | 405 |
Net loans and leases to total assets | 53.8491% | 4,608 |
Net loans and leases to deposits | 70.5737% | 3,649 |
Net loans and leases to core deposits | 78.9071% | 3,180 |
Total domestic deposits to total assets | 71.2777% | 6,604 |
Equity capital to assets | 12.4254% | 1,624 |
Core capital (leverage) ratio | 8.9614% | 5,060 |
Tier 1 risk-based capital ratio | 12.2765% | 5,638 |
Total risk-based capital ratio | 14.0223% | 5,243 |
Memoranda: | ||
Average total assets | $1,474,656,095,000 | 2 |
Average earning assets | $1,247,544,680,330 | 2 |
Average equity | $180,218,492,330 | 1 |
Average total loans | $782,141,273,330 | 1 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8937% | 6,615 |
Cost of funding earning assets | 0.2480% | 6,303 |
Net interest margin | 2.6457% | 6,301 |
Noninterest income to average assets | 2.8596% | 269 |
Noninterest expense to average assets | 2.8500% | 3,541 |
Loan and lease loss provision to assets | 0.1828% | 2,020 |
Net operating income to assets | 1.3953% | 1,038 |
Return on assets (ROA) | 1.4070% | 1,097 |
Pretax return on assets | 2.0768% | 516 |
Return on Equity (ROE) | 11.5631% | 1,536 |
Retained earnings to average equity (ytd only) | 11.5631% | 765 |
Net charge-offs to loans | 0.6421% | 950 |
Credit loss provision to net charge-offs | 54.8282% | 2,532 |
Earnings coverage of net charge-offs (x) | 6.7259% | 2,173 |
Efficiency ratio | 55.6603% | 6,094 |
Assets per employee ($millions) | 8.4823% | 400 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0457% | 1,929 |
Loan loss allowance to noncurrent loans | 27.9516% | 6,096 |
Noncurrent assets plus other real estate owned to assets | 4.0728% | 967 |
Noncurrent loans to loans | 7.3186% | 386 |
Net loans and leases to total assets | 51.4930% | 4,770 |
Net loans and leases to deposits | 67.6140% | 3,816 |
Net loans and leases to core deposits | 75.3025% | 3,413 |
Total domestic deposits to total assets | 71.2855% | 6,692 |
Equity capital to assets | 12.2992% | 1,836 |
Core capital (leverage) ratio | 8.8072% | 5,175 |
Tier 1 risk-based capital ratio | 12.2640% | 5,747 |
Total risk-based capital ratio | 14.2759% | 5,147 |
Memoranda: | ||
Average total assets | $1,466,084,191,500 | 2 |
Average earning assets | $1,237,310,192,500 | 2 |
Average equity | $178,395,815,500 | 1 |
Average total loans | $761,246,209,500 | 2 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8788% | 6,825 |
Cost of funding earning assets | 0.3018% | 6,441 |
Net interest margin | 2.5770% | 6,652 |
Noninterest income to average assets | 2.1191% | 400 |
Noninterest expense to average assets | 2.8631% | 3,797 |
Loan and lease loss provision to assets | 0.2794% | 2,415 |
Net operating income to assets | 0.7744% | 3,392 |
Return on assets (ROA) | 0.8478% | 3,306 |
Pretax return on assets | 1.2387% | 2,642 |
Return on Equity (ROE) | 6.9304% | 3,681 |
Retained earnings to average equity (ytd only) | -0.9886% | 6,015 |
Net charge-offs to loans | 1.0920% | 969 |
Credit loss provision to net charge-offs | 50.2860% | 4,694 |
Earnings coverage of net charge-offs (x) | 2.5391% | 4,147 |
Efficiency ratio | 66.5134% | 4,408 |
Assets per employee ($millions) | 8.4285% | 413 |
Cash dividends to net income (ytd only)* | 114.2643% | 359 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2570% | 1,447 |
Loan loss allowance to noncurrent loans | 27.9607% | 6,142 |
Noncurrent assets plus other real estate owned to assets | 4.3841% | 954 |
Noncurrent loans to loans | 8.0721% | 360 |
Net loans and leases to total assets | 50.1286% | 5,153 |
Net loans and leases to deposits | 66.1166% | 4,267 |
Net loans and leases to core deposits | 73.7003% | 3,819 |
Total domestic deposits to total assets | 70.9108% | 6,748 |
Equity capital to assets | 12.0386% | 2,023 |
Core capital (leverage) ratio | 8.5747% | 5,500 |
Tier 1 risk-based capital ratio | 12.4241% | 5,527 |
Total risk-based capital ratio | 14.7141% | 4,738 |
Memoranda: | ||
Average total assets | $1,454,972,520,800 | 2 |
Average earning assets | $1,216,591,737,000 | 2 |
Average equity | $177,978,493,200 | 1 |
Average total loans | $740,317,321,200 | 2 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9167% | 6,926 |
Cost of funding earning assets | 0.3125% | 6,551 |
Net interest margin | 2.6042% | 6,751 |
Noninterest income to average assets | 2.1144% | 396 |
Noninterest expense to average assets | 2.8487% | 3,803 |
Loan and lease loss provision to assets | 0.2583% | 2,508 |
Net operating income to assets | 0.8145% | 3,375 |
Return on assets (ROA) | 0.9069% | 3,184 |
Pretax return on assets | 1.3178% | 2,531 |
Return on Equity (ROE) | 7.3845% | 3,590 |
Retained earnings to average equity (ytd only) | -0.5834% | 6,196 |
Net charge-offs to loans | 1.1488% | 875 |
Credit loss provision to net charge-offs | 44.2794% | 4,525 |
Earnings coverage of net charge-offs (x) | 2.4735% | 4,051 |
Efficiency ratio | 65.8883% | 4,467 |
Assets per employee ($millions) | 8.1527% | 452 |
Cash dividends to net income (ytd only)* | 107.9006% | 263 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5348% | 1,168 |
Loan loss allowance to noncurrent loans | 28.3117% | 6,199 |
Noncurrent assets plus other real estate owned to assets | 4.8145% | 937 |
Noncurrent loans to loans | 8.9532% | 310 |
Net loans and leases to total assets | 49.5457% | 5,364 |
Net loans and leases to deposits | 66.2202% | 4,442 |
Net loans and leases to core deposits | 74.2215% | 3,950 |
Total domestic deposits to total assets | 69.8177% | 6,851 |
Equity capital to assets | 12.4340% | 1,939 |
Core capital (leverage) ratio | 8.7469% | 5,407 |
Tier 1 risk-based capital ratio | 12.7556% | 5,437 |
Total risk-based capital ratio | 15.1348% | 4,581 |
Memoranda: | ||
Average total assets | $1,450,196,305,250 | 2 |
Average earning assets | $1,212,413,575,000 | 2 |
Average equity | $178,108,708,750 | 1 |
Average total loans | $736,397,296,750 | 2 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.9794% | 6,981 |
Cost of funding earning assets | 0.3221% | 6,636 |
Net interest margin | 2.6573% | 6,763 |
Noninterest income to average assets | 2.1795% | 352 |
Noninterest expense to average assets | 2.8640% | 3,770 |
Loan and lease loss provision to assets | 0.2908% | 2,255 |
Net operating income to assets | 0.8464% | 3,161 |
Return on assets (ROA) | 0.9521% | 2,908 |
Pretax return on assets | 1.3939% | 2,216 |
Return on Equity (ROE) | 7.7843% | 3,353 |
Retained earnings to average equity (ytd only) | 0.2284% | 5,968 |
Net charge-offs to loans | 1.0519% | 1,044 |
Credit loss provision to net charge-offs | 54.4621% | 3,943 |
Earnings coverage of net charge-offs (x) | 2.8666% | 3,595 |
Efficiency ratio | 64.6805% | 4,769 |
Assets per employee ($millions) | 8.0463% | 462 |
Cash dividends to net income (ytd only)* | 97.0655% | 470 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0531% | 740 |
Loan loss allowance to noncurrent loans | 35.1678% | 5,910 |
Noncurrent assets plus other real estate owned to assets | 4.5547% | 1,083 |
Noncurrent loans to loans | 8.6816% | 373 |
Net loans and leases to total assets | 48.6435% | 5,544 |
Net loans and leases to deposits | 66.1735% | 4,486 |
Net loans and leases to core deposits | 74.3250% | 3,978 |
Total domestic deposits to total assets | 68.6243% | 6,972 |
Equity capital to assets | 12.3819% | 1,893 |
Core capital (leverage) ratio | 8.7437% | 5,308 |
Tier 1 risk-based capital ratio | 12.8636% | 5,281 |
Total risk-based capital ratio | 15.5967% | 4,173 |
Memoranda: | ||
Average total assets | $1,450,837,384,670 | 2 |
Average earning assets | $1,209,385,364,330 | 2 |
Average equity | $177,452,052,670 | 1 |
Average total loans | $736,456,616,330 | 2 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1611% | 6,973 |
Cost of funding earning assets | 0.3329% | 6,711 |
Net interest margin | 2.8282% | 6,591 |
Noninterest income to average assets | 2.1851% | 353 |
Noninterest expense to average assets | 3.0501% | 3,084 |
Loan and lease loss provision to assets | 0.3961% | 1,595 |
Net operating income to assets | 0.7319% | 3,725 |
Return on assets (ROA) | 0.8844% | 3,217 |
Pretax return on assets | 1.3070% | 2,511 |
Return on Equity (ROE) | 7.2754% | 3,618 |
Retained earnings to average equity (ytd only) | -2.8065% | 6,373 |
Net charge-offs to loans | 1.0988% | 939 |
Credit loss provision to net charge-offs | 70.6162% | 2,896 |
Earnings coverage of net charge-offs (x) | 2.6411% | 3,122 |
Efficiency ratio | 66.8251% | 4,392 |
Assets per employee ($millions) | 7.9870% | 482 |
Cash dividends to net income (ytd only)* | 138.5753% | 346 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1774% | 700 |
Loan loss allowance to noncurrent loans | 37.5498% | 5,763 |
Noncurrent assets plus other real estate owned to assets | 4.5239% | 1,181 |
Noncurrent loans to loans | 8.4617% | 431 |
Net loans and leases to total assets | 49.0335% | 5,428 |
Net loans and leases to deposits | 65.2535% | 4,461 |
Net loans and leases to core deposits | 76.7622% | 3,512 |
Total domestic deposits to total assets | 67.3510% | 7,072 |
Equity capital to assets | 12.1488% | 1,944 |
Core capital (leverage) ratio | 8.5589% | 5,499 |
Tier 1 risk-based capital ratio | 12.2561% | 5,789 |
Total risk-based capital ratio | 15.7332% | 4,084 |
Memoranda: | ||
Average total assets | $1,453,709,498,500 | 2 |
Average earning assets | $1,206,167,882,000 | 2 |
Average equity | $176,712,874,500 | 1 |
Average total loans | $742,144,149,500 | 1 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2218% | 7,115 |
Cost of funding earning assets | 0.4212% | 6,824 |
Net interest margin | 2.8006% | 6,825 |
Noninterest income to average assets | 1.8715% | 419 |
Noninterest expense to average assets | 2.8383% | 4,203 |
Loan and lease loss provision to assets | 0.6156% | 1,678 |
Net operating income to assets | 0.5139% | 4,363 |
Return on assets (ROA) | 0.6584% | 3,887 |
Pretax return on assets | 0.9223% | 3,541 |
Return on Equity (ROE) | 5.4884% | 4,140 |
Retained earnings to average equity (ytd only) | -0.0916% | 5,861 |
Net charge-offs to loans | 1.2668% | 1,309 |
Credit loss provision to net charge-offs | 95.0477% | 3,799 |
Earnings coverage of net charge-offs (x) | 2.0602% | 4,236 |
Efficiency ratio | 67.3824% | 4,493 |
Assets per employee ($millions) | 8.0147% | 468 |
Cash dividends to net income (ytd only)* | 101.6681% | 301 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1835% | 692 |
Loan loss allowance to noncurrent loans | 38.8451% | 5,671 |
Noncurrent assets plus other real estate owned to assets | 4.5204% | 1,214 |
Noncurrent loans to loans | 8.1954% | 484 |
Net loans and leases to total assets | 49.8196% | 5,606 |
Net loans and leases to deposits | 67.4863% | 4,513 |
Net loans and leases to core deposits | 78.9449% | 3,577 |
Total domestic deposits to total assets | 66.6146% | 7,116 |
Equity capital to assets | 12.1632% | 2,001 |
Core capital (leverage) ratio | 8.5931% | 5,411 |
Tier 1 risk-based capital ratio | 11.7029% | 6,024 |
Total risk-based capital ratio | 15.1021% | 4,395 |
Memoranda: | ||
Average total assets | $1,464,116,490,200 | 2 |
Average earning assets | $1,202,989,140,000 | 2 |
Average equity | $175,629,023,200 | 1 |
Average total loans | $748,515,553,800 | 1 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2838% | 7,184 |
Cost of funding earning assets | 0.4453% | 6,896 |
Net interest margin | 2.8385% | 6,840 |
Noninterest income to average assets | 1.8882% | 420 |
Noninterest expense to average assets | 2.8337% | 4,219 |
Loan and lease loss provision to assets | 0.6435% | 1,529 |
Net operating income to assets | 0.5268% | 4,420 |
Return on assets (ROA) | 0.6482% | 4,055 |
Pretax return on assets | 0.9123% | 3,714 |
Return on Equity (ROE) | 5.4227% | 4,324 |
Retained earnings to average equity (ytd only) | 0.2468% | 5,881 |
Net charge-offs to loans | 1.2898% | 1,199 |
Credit loss provision to net charge-offs | 97.7457% | 3,501 |
Earnings coverage of net charge-offs (x) | 2.1033% | 4,093 |
Efficiency ratio | 66.5365% | 4,614 |
Assets per employee ($millions) | 7.9413% | 476 |
Cash dividends to net income (ytd only)* | 95.4490% | 349 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1924% | 727 |
Loan loss allowance to noncurrent loans | 40.7782% | 5,582 |
Noncurrent assets plus other real estate owned to assets | 4.3273% | 1,398 |
Noncurrent loans to loans | 7.8287% | 576 |
Net loans and leases to total assets | 49.9028% | 5,714 |
Net loans and leases to deposits | 67.5902% | 4,680 |
Net loans and leases to core deposits | 80.0648% | 3,628 |
Total domestic deposits to total assets | 66.1302% | 7,195 |
Equity capital to assets | 12.2122% | 2,086 |
Core capital (leverage) ratio | 8.5640% | 5,608 |
Tier 1 risk-based capital ratio | 11.4067% | 6,294 |
Total risk-based capital ratio | 14.8073% | 4,664 |
Memoranda: | ||
Average total assets | $1,465,356,287,250 | 2 |
Average earning assets | $1,202,931,324,500 | 2 |
Average equity | $175,166,271,750 | 1 |
Average total loans | $747,931,887,750 | 1 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4306% | 7,199 |
Cost of funding earning assets | 0.4817% | 6,906 |
Net interest margin | 2.9489% | 6,695 |
Noninterest income to average assets | 1.7765% | 436 |
Noninterest expense to average assets | 2.8694% | 4,143 |
Loan and lease loss provision to assets | 0.7200% | 1,305 |
Net operating income to assets | 0.4255% | 4,834 |
Return on assets (ROA) | 0.5456% | 4,461 |
Pretax return on assets | 0.7787% | 4,107 |
Return on Equity (ROE) | 4.5973% | 4,648 |
Retained earnings to average equity (ytd only) | -0.9304% | 6,038 |
Net charge-offs to loans | 1.2898% | 1,201 |
Credit loss provision to net charge-offs | 109.7419% | 2,800 |
Earnings coverage of net charge-offs (x) | 2.0225% | 3,850 |
Efficiency ratio | 67.7245% | 4,569 |
Assets per employee ($millions) | 7.8747% | 481 |
Cash dividends to net income (ytd only)* | 120.2377% | 299 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3122% | 698 |
Loan loss allowance to noncurrent loans | 44.1778% | 5,371 |
Noncurrent assets plus other real estate owned to assets | 4.1611% | 1,529 |
Noncurrent loans to loans | 7.4973% | 636 |
Net loans and leases to total assets | 49.9304% | 5,832 |
Net loans and leases to deposits | 68.5824% | 4,619 |
Net loans and leases to core deposits | 80.9974% | 3,657 |
Total domestic deposits to total assets | 65.1281% | 7,284 |
Equity capital to assets | 12.0754% | 2,045 |
Core capital (leverage) ratio | 8.4271% | 5,668 |
Tier 1 risk-based capital ratio | 11.2134% | 6,373 |
Total risk-based capital ratio | 14.6003% | 4,628 |
Memoranda: | ||
Average total assets | $1,463,434,187,000 | 2 |
Average earning assets | $1,200,899,928,670 | 2 |
Average equity | $173,669,762,670 | 1 |
Average total loans | $744,462,187,670 | 1 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5247% | 7,196 |
Cost of funding earning assets | 0.5072% | 6,949 |
Net interest margin | 3.0175% | 6,543 |
Noninterest income to average assets | 1.9880% | 356 |
Noninterest expense to average assets | 2.8594% | 4,232 |
Loan and lease loss provision to assets | 0.7628% | 1,119 |
Net operating income to assets | 0.5887% | 4,092 |
Return on assets (ROA) | 0.6767% | 3,695 |
Pretax return on assets | 0.9551% | 3,300 |
Return on Equity (ROE) | 5.7524% | 4,044 |
Retained earnings to average equity (ytd only) | -3.0563% | 6,309 |
Net charge-offs to loans | 1.2667% | 1,093 |
Credit loss provision to net charge-offs | 119.2751% | 2,286 |
Earnings coverage of net charge-offs (x) | 2.4920% | 3,087 |
Efficiency ratio | 63.5977% | 5,429 |
Assets per employee ($millions) | 7.8737% | 494 |
Cash dividends to net income (ytd only)* | 153.1299% | 326 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3512% | 688 |
Loan loss allowance to noncurrent loans | 43.7056% | 5,384 |
Noncurrent assets plus other real estate owned to assets | 4.1988% | 1,570 |
Noncurrent loans to loans | 7.6677% | 673 |
Net loans and leases to total assets | 49.4765% | 5,910 |
Net loans and leases to deposits | 68.5851% | 4,598 |
Net loans and leases to core deposits | 89.9810% | 2,343 |
Total domestic deposits to total assets | 58.4907% | 7,445 |
Equity capital to assets | 11.9740% | 1,932 |
Core capital (leverage) ratio | 8.1765% | 6,001 |
Tier 1 risk-based capital ratio | 10.9910% | 6,517 |
Total risk-based capital ratio | 14.4347% | 4,653 |
Memoranda: | ||
Average total assets | $1,466,832,488,500 | 2 |
Average earning assets | $1,198,358,536,500 | 2 |
Average equity | $172,557,118,000 | 1 |
Average total loans | $740,583,783,000 | 1 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5456% | 7,368 |
Cost of funding earning assets | 0.6336% | 7,049 |
Net interest margin | 2.9120% | 6,875 |
Noninterest income to average assets | 1.7892% | 475 |
Noninterest expense to average assets | 2.5463% | 5,628 |
Loan and lease loss provision to assets | 0.9122% | 1,794 |
Net operating income to assets | 0.5211% | 3,998 |
Return on assets (ROA) | 0.6075% | 3,801 |
Pretax return on assets | 0.8271% | 3,542 |
Return on Equity (ROE) | 5.3611% | 3,924 |
Retained earnings to average equity (ytd only) | 2.6376% | 4,014 |
Net charge-offs to loans | 1.7990% | 1,170 |
Credit loss provision to net charge-offs | 102.1391% | 4,434 |
Earnings coverage of net charge-offs (x) | 1.8161% | 4,361 |
Efficiency ratio | 60.2849% | 6,004 |
Assets per employee ($millions) | 8.1317% | 462 |
Cash dividends to net income (ytd only)* | 50.8018% | 2,038 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3117% | 670 |
Loan loss allowance to noncurrent loans | 43.8281% | 5,397 |
Noncurrent assets plus other real estate owned to assets | 3.9781% | 1,710 |
Noncurrent loans to loans | 7.5561% | 716 |
Net loans and leases to total assets | 48.1507% | 6,376 |
Net loans and leases to deposits | 68.7485% | 4,994 |
Net loans and leases to core deposits | 90.9589% | 2,626 |
Total domestic deposits to total assets | 56.5046% | 7,533 |
Equity capital to assets | 11.5582% | 2,214 |
Core capital (leverage) ratio | 7.8202% | 6,412 |
Tier 1 risk-based capital ratio | 10.7632% | 6,520 |
Total risk-based capital ratio | 14.2222% | 4,591 |
Memoranda: | ||
Average total assets | $1,490,395,574,600 | 2 |
Average earning assets | $1,217,653,375,000 | 2 |
Average equity | $168,896,865,200 | 1 |
Average total loans | $739,919,423,000 | 1 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5532% | 7,514 |
Cost of funding earning assets | 0.6306% | 7,226 |
Net interest margin | 2.9225% | 6,973 |
Noninterest income to average assets | 1.6427% | 520 |
Noninterest expense to average assets | 2.4041% | 6,025 |
Loan and lease loss provision to assets | 0.9939% | 1,496 |
Net operating income to assets | 0.4684% | 4,448 |
Return on assets (ROA) | 0.5421% | 4,294 |
Pretax return on assets | 0.7294% | 4,145 |
Return on Equity (ROE) | 4.8071% | 4,404 |
Retained earnings to average equity (ytd only) | 1.1627% | 5,352 |
Net charge-offs to loans | 1.9183% | 994 |
Credit loss provision to net charge-offs | 104.4418% | 4,107 |
Earnings coverage of net charge-offs (x) | 1.7057% | 4,424 |
Efficiency ratio | 58.8443% | 6,134 |
Assets per employee ($millions) | 8.2278% | 467 |
Cash dividends to net income (ytd only)* | 75.8136% | 750 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3999% | 577 |
Loan loss allowance to noncurrent loans | 42.9119% | 5,427 |
Noncurrent assets plus other real estate owned to assets | 4.0890% | 1,692 |
Noncurrent loans to loans | 7.9229% | 659 |
Net loans and leases to total assets | 47.0049% | 6,609 |
Net loans and leases to deposits | 68.5113% | 5,347 |
Net loans and leases to core deposits | 90.8172% | 2,981 |
Total domestic deposits to total assets | 55.0970% | 7,647 |
Equity capital to assets | 11.4143% | 2,596 |
Core capital (leverage) ratio | 7.7252% | 6,644 |
Tier 1 risk-based capital ratio | 10.6345% | 6,683 |
Total risk-based capital ratio | 14.1475% | 4,642 |
Memoranda: | ||
Average total assets | $1,492,424,904,000 | 2 |
Average earning assets | $1,217,700,297,500 | 2 |
Average equity | $168,289,779,500 | 1 |
Average total loans | $740,356,024,250 | 1 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6358% | 7,562 |
Cost of funding earning assets | 0.6458% | 7,308 |
Net interest margin | 2.9900% | 6,851 |
Noninterest income to average assets | 1.6681% | 461 |
Noninterest expense to average assets | 2.4253% | 5,990 |
Loan and lease loss provision to assets | 1.2738% | 1,093 |
Net operating income to assets | 0.3139% | 5,121 |
Return on assets (ROA) | 0.3423% | 5,174 |
Pretax return on assets | 0.4424% | 5,087 |
Return on Equity (ROE) | 3.0482% | 5,201 |
Retained earnings to average equity (ytd only) | -0.1713% | 5,768 |
Net charge-offs to loans | 2.1555% | 835 |
Credit loss provision to net charge-offs | 118.3755% | 3,431 |
Earnings coverage of net charge-offs (x) | 1.5601% | 4,319 |
Efficiency ratio | 58.2400% | 6,351 |
Assets per employee ($millions) | 8.4074% | 426 |
Cash dividends to net income (ytd only)* | 105.6205% | 400 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4670% | 556 |
Loan loss allowance to noncurrent loans | 44.5321% | 5,341 |
Noncurrent assets plus other real estate owned to assets | 4.0214% | 1,715 |
Noncurrent loans to loans | 7.7853% | 669 |
Net loans and leases to total assets | 46.9885% | 6,709 |
Net loans and leases to deposits | 70.8779% | 5,152 |
Net loans and leases to core deposits | 92.0222% | 2,986 |
Total domestic deposits to total assets | 54.5722% | 7,715 |
Equity capital to assets | 11.1454% | 2,732 |
Core capital (leverage) ratio | 7.2408% | 7,042 |
Tier 1 risk-based capital ratio | 10.2493% | 6,882 |
Total risk-based capital ratio | 13.7097% | 4,877 |
Memoranda: | ||
Average total assets | $1,493,500,540,330 | 2 |
Average earning assets | $1,216,814,025,670 | 2 |
Average equity | $167,725,673,670 | 1 |
Average total loans | $745,597,042,330 | 1 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7329% | 7,623 |
Cost of funding earning assets | 0.6611% | 7,414 |
Net interest margin | 3.0718% | 6,662 |
Noninterest income to average assets | 1.8467% | 379 |
Noninterest expense to average assets | 2.3808% | 6,157 |
Loan and lease loss provision to assets | 1.5572% | 744 |
Net operating income to assets | 0.3160% | 5,225 |
Return on assets (ROA) | 0.3236% | 5,327 |
Pretax return on assets | 0.4201% | 5,228 |
Return on Equity (ROE) | 2.8703% | 5,393 |
Retained earnings to average equity (ytd only) | 2.8703% | 4,406 |
Net charge-offs to loans | 2.3814% | 705 |
Credit loss provision to net charge-offs | 129.3243% | 2,733 |
Earnings coverage of net charge-offs (x) | 1.6336% | 3,754 |
Efficiency ratio | 53.9293% | 6,980 |
Assets per employee ($millions) | 8.2610% | 455 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4359% | 572 |
Loan loss allowance to noncurrent loans | 42.3555% | 5,529 |
Noncurrent assets plus other real estate owned to assets | 4.2173% | 1,614 |
Noncurrent loans to loans | 8.1120% | 660 |
Net loans and leases to total assets | 47.8600% | 6,692 |
Net loans and leases to deposits | 71.5683% | 5,114 |
Net loans and leases to core deposits | 92.5653% | 3,036 |
Total domestic deposits to total assets | 55.0796% | 7,806 |
Equity capital to assets | 11.2088% | 2,581 |
Core capital (leverage) ratio | 7.3081% | 7,020 |
Tier 1 risk-based capital ratio | 10.1999% | 6,888 |
Total risk-based capital ratio | 13.6564% | 4,778 |
Memoranda: | ||
Average total assets | $1,480,771,889,000 | 2 |
Average earning assets | $1,205,678,914,000 | 2 |
Average equity | $166,941,477,500 | 1 |
Average total loans | $748,711,006,000 | 1 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6811% | 7,789 |
Cost of funding earning assets | 0.9496% | 7,308 |
Net interest margin | 2.7315% | 7,166 |
Noninterest income to average assets | 2.1394% | 346 |
Noninterest expense to average assets | 2.2169% | 6,951 |
Loan and lease loss provision to assets | 1.8713% | 1,196 |
Net operating income to assets | 0.2478% | 4,726 |
Return on assets (ROA) | 0.3593% | 4,390 |
Pretax return on assets | 0.4595% | 4,322 |
Return on Equity (ROE) | 3.4901% | 4,291 |
Retained earnings to average equity (ytd only) | 1.3877% | 4,088 |
Net charge-offs to loans | 2.2982% | 1,014 |
Credit loss provision to net charge-offs | 160.8205% | 2,768 |
Earnings coverage of net charge-offs (x) | 1.8800% | 4,317 |
Efficiency ratio | 49.3832% | 7,567 |
Assets per employee ($millions) | 8.1239% | 489 |
Cash dividends to net income (ytd only)* | 60.2392% | 1,988 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1714% | 669 |
Loan loss allowance to noncurrent loans | 40.9341% | 5,669 |
Noncurrent assets plus other real estate owned to assets | 4.1316% | 1,585 |
Noncurrent loans to loans | 7.7476% | 667 |
Net loans and leases to total assets | 49.9468% | 6,650 |
Net loans and leases to deposits | 72.9866% | 5,192 |
Net loans and leases to core deposits | 99.9239% | 4,004 |
Total domestic deposits to total assets | 56.7421% | 7,846 |
Equity capital to assets | 11.3405% | 2,442 |
Core capital (leverage) ratio | 7.2006% | 7,072 |
Tier 1 risk-based capital ratio | 10.0413% | 6,832 |
Total risk-based capital ratio | 13.4710% | 4,714 |
Memoranda: | ||
Average total assets | $1,570,870,460,200 | 2 |
Average earning assets | $1,302,611,785,750 | 2 |
Average equity | $161,702,588,800 | 1 |
Average total loans | $795,318,427,400 | 1 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6878% | 7,896 |
Cost of funding earning assets | 1.0174% | 7,354 |
Net interest margin | 2.6704% | 7,264 |
Noninterest income to average assets | 2.3383% | 296 |
Noninterest expense to average assets | 2.1555% | 7,091 |
Loan and lease loss provision to assets | 2.0109% | 898 |
Net operating income to assets | 0.3070% | 4,768 |
Return on assets (ROA) | 0.4413% | 4,335 |
Pretax return on assets | 0.5114% | 4,484 |
Return on Equity (ROE) | 4.4059% | 4,206 |
Retained earnings to average equity (ytd only) | 2.5297% | 3,906 |
Net charge-offs to loans | 2.3455% | 793 |
Credit loss provision to net charge-offs | 172.2120% | 2,692 |
Earnings coverage of net charge-offs (x) | 2.0262% | 4,301 |
Efficiency ratio | 46.7297% | 7,737 |
Assets per employee ($millions) | 8.1343% | 492 |
Cash dividends to net income (ytd only)* | 42.5852% | 2,334 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0996% | 615 |
Loan loss allowance to noncurrent loans | 53.4305% | 4,771 |
Noncurrent assets plus other real estate owned to assets | 3.0529% | 2,261 |
Noncurrent loans to loans | 5.8011% | 1,046 |
Net loans and leases to total assets | 49.0811% | 6,859 |
Net loans and leases to deposits | 71.4720% | 5,740 |
Net loans and leases to core deposits | 105.5910% | 3,746 |
Total domestic deposits to total assets | 55.2806% | 7,932 |
Equity capital to assets | 11.1493% | 2,876 |
Core capital (leverage) ratio | 7.1756% | 7,284 |
Tier 1 risk-based capital ratio | 9.9444% | 7,025 |
Total risk-based capital ratio | 13.4298% | 4,759 |
Memoranda: | ||
Average total assets | $1,560,724,909,750 | 2 |
Average earning assets | $1,275,903,942,500 | 2 |
Average equity | $156,334,190,250 | 1 |
Average total loans | $776,984,093,000 | 1 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8208% | 7,960 |
Cost of funding earning assets | 1.1276% | 7,306 |
Net interest margin | 2.6932% | 7,217 |
Noninterest income to average assets | 2.6324% | 247 |
Noninterest expense to average assets | 2.2249% | 6,991 |
Loan and lease loss provision to assets | 2.0352% | 798 |
Net operating income to assets | 0.4280% | 4,387 |
Return on assets (ROA) | 0.5351% | 4,063 |
Pretax return on assets | 0.6968% | 4,006 |
Return on Equity (ROE) | 5.5572% | 3,835 |
Retained earnings to average equity (ytd only) | 4.1989% | 2,963 |
Net charge-offs to loans | 2.1892% | 835 |
Credit loss provision to net charge-offs | 185.3903% | 2,471 |
Earnings coverage of net charge-offs (x) | 2.3621% | 3,884 |
Efficiency ratio | 45.3012% | 7,874 |
Assets per employee ($millions) | 8.0837% | 484 |
Cash dividends to net income (ytd only)* | 24.4432% | 3,028 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7022% | 746 |
Loan loss allowance to noncurrent loans | 53.7592% | 4,793 |
Noncurrent assets plus other real estate owned to assets | 2.7050% | 2,373 |
Noncurrent loans to loans | 5.0264% | 1,221 |
Net loans and leases to total assets | 50.2306% | 6,849 |
Net loans and leases to deposits | 72.2066% | 5,708 |
Net loans and leases to core deposits | 107.9798% | 3,613 |
Total domestic deposits to total assets | 56.4302% | 7,999 |
Equity capital to assets | 10.3480% | 3,567 |
Core capital (leverage) ratio | 6.4754% | 7,805 |
Tier 1 risk-based capital ratio | 9.0401% | 7,679 |
Total risk-based capital ratio | 12.5139% | 5,539 |
Memoranda: | ||
Average total assets | $1,529,235,765,670 | 2 |
Average earning assets | $1,241,076,868,500 | 2 |
Average equity | $147,236,540,330 | 1 |
Average total loans | $766,869,148,000 | 1 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6393% | 8,074 |
Cost of funding earning assets | 1.0513% | 7,597 |
Net interest margin | 2.5881% | 7,390 |
Noninterest income to average assets | 2.1112% | 330 |
Noninterest expense to average assets | 2.2306% | 6,759 |
Loan and lease loss provision to assets | 1.5903% | 791 |
Net operating income to assets | 0.2903% | 5,334 |
Return on assets (ROA) | 0.5184% | 4,534 |
Pretax return on assets | 0.7229% | 4,345 |
Return on Equity (ROE) | 5.6129% | 4,209 |
Retained earnings to average equity (ytd only) | 5.6129% | 2,818 |
Net charge-offs to loans | 2.0828% | 694 |
Credit loss provision to net charge-offs | 159.2815% | 2,656 |
Earnings coverage of net charge-offs (x) | 2.0000% | 3,719 |
Efficiency ratio | 51.6944% | 7,448 |
Assets per employee ($millions) | 8.8245% | 379 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0023% | 1,410 |
Loan loss allowance to noncurrent loans | 44.4078% | 5,561 |
Noncurrent assets plus other real estate owned to assets | 2.2318% | 2,567 |
Noncurrent loans to loans | 4.5089% | 1,271 |
Net loans and leases to total assets | 46.4637% | 7,159 |
Net loans and leases to deposits | 70.3023% | 5,950 |
Net loans and leases to core deposits | 103.7778% | 4,162 |
Total domestic deposits to total assets | 53.4228% | 8,076 |
Equity capital to assets | 9.4423% | 4,754 |
Core capital (leverage) ratio | 6.0313% | 7,997 |
Tier 1 risk-based capital ratio | 8.4303% | 7,953 |
Total risk-based capital ratio | 11.8996% | 6,155 |
Memoranda: | ||
Average total assets | $1,451,569,460,500 | 2 |
Average earning assets | $1,186,929,523,500 | 2 |
Average equity | $134,066,878,000 | 1 |
Average total loans | $695,841,921,000 | 1 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7623% | 7,955 |
Cost of funding earning assets | 2.2360% | 5,434 |
Net interest margin | 2.5263% | 7,727 |
Noninterest income to average assets | 1.4739% | 651 |
Noninterest expense to average assets | 2.0028% | 7,436 |
Loan and lease loss provision to assets | 0.9019% | 1,658 |
Net operating income to assets | 0.4874% | 4,798 |
Return on assets (ROA) | 0.4057% | 4,945 |
Pretax return on assets | 0.5675% | 4,788 |
Return on Equity (ROE) | 4.4515% | 4,618 |
Retained earnings to average equity (ytd only) | -2.4024% | 5,979 |
Net charge-offs to loans | 1.0120% | 1,219 |
Credit loss provision to net charge-offs | 176.5350% | 2,871 |
Earnings coverage of net charge-offs (x) | 3.1013% | 4,541 |
Efficiency ratio | 54.4058% | 7,231 |
Assets per employee ($millions) | 8.6407% | 379 |
Cash dividends to net income (ytd only)* | 153.9695% | 461 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5604% | 2,397 |
Loan loss allowance to noncurrent loans | 46.5461% | 5,688 |
Noncurrent assets plus other real estate owned to assets | 1.7137% | 2,842 |
Noncurrent loans to loans | 3.3524% | 1,542 |
Net loans and leases to total assets | 47.6920% | 7,209 |
Net loans and leases to deposits | 73.4494% | 5,900 |
Net loans and leases to core deposits | 111.7856% | 3,586 |
Total domestic deposits to total assets | 51.3454% | 8,115 |
Equity capital to assets | 9.0349% | 5,327 |
Core capital (leverage) ratio | 5.9168% | 8,102 |
Tier 1 risk-based capital ratio | 8.4425% | 8,005 |
Total risk-based capital ratio | 11.5845% | 6,258 |
Memoranda: | ||
Average total assets | $1,452,896,813,000 | 2 |
Average earning assets | $1,215,369,673,600 | 2 |
Average equity | $132,419,280,400 | 1 |
Average total loans | $733,499,558,600 | 1 |