Home > Bank of Hawaii > Performance and Condition Ratios
Bank of Hawaii, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9181% | 4,308 |
| Cost of funding earning assets | 1.6178% | 2,921 |
| Net interest margin | 2.3003% | 4,161 |
| Noninterest income to average assets | 0.7500% | 899 |
| Noninterest expense to average assets | 1.8546% | 3,831 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 0.7586% | 2,951 |
| Return on assets (ROA) | 0.7586% | 2,957 |
| Pretax return on assets | 0.9643% | 2,810 |
| Return on Equity (ROE) | 11.5200% | 1,875 |
| Retained earnings to average equity (ytd only) | 3.0669% | 3,074 |
| Net charge-offs to loans | 0.1249% | 730 |
| Credit loss provision to net charge-offs | 81.3536% | 1,396 |
| Earnings coverage of net charge-offs (x) | 13.7202% | 1,592 |
| Efficiency ratio | 64.5365% | 2,413 |
| Assets per employee ($millions) | 12.7147% | 367 |
| Cash dividends to net income (ytd only)* | 73.3888% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 2,992 |
| Loan loss allowance to noncurrent loans | 624.7124% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 2,982 |
| Noncurrent loans to loans | 0.1675% | 2,897 |
| Net loans and leases to total assets | 58.5700% | 3,002 |
| Net loans and leases to deposits | 66.1714% | 3,121 |
| Net loans and leases to core deposits | 77.4219% | 2,858 |
| Total domestic deposits to total assets | 82.7200% | 3,171 |
| Equity capital to assets | 6.6277% | 4,122 |
| Core capital (leverage) ratio | 7.8981% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2068% | 1,783 |
| Memoranda: | ||
| Average total assets | $23,710,313,500 | 90 |
| Average earning assets | $21,876,298,500 | 86 |
| Average equity | $1,560,660,500 | 126 |
| Average total loans | $14,098,047,000 | 97 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 4,296 |
| Cost of funding earning assets | 1.8257% | 2,666 |
| Net interest margin | 2.1447% | 4,188 |
| Noninterest income to average assets | 0.7700% | 981 |
| Noninterest expense to average assets | 1.8159% | 3,932 |
| Loan and lease loss provision to assets | 0.0500% | 2,169 |
| Net operating income to assets | 0.6647% | 3,059 |
| Return on assets (ROA) | 0.6446% | 3,140 |
| Pretax return on assets | 0.8597% | 2,920 |
| Return on Equity (ROE) | 10.3600% | 2,049 |
| Retained earnings to average equity (ytd only) | 1.6199% | 3,503 |
| Net charge-offs to loans | 0.0928% | 1,238 |
| Credit loss provision to net charge-offs | 116.4359% | 1,705 |
| Earnings coverage of net charge-offs (x) | 16.9793% | 1,955 |
| Efficiency ratio | 66.0694% | 2,484 |
| Assets per employee ($millions) | 12.6369% | 366 |
| Cash dividends to net income (ytd only)* | 84.3593% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 2,929 |
| Loan loss allowance to noncurrent loans | 595.8997% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 2,892 |
| Noncurrent loans to loans | 0.1770% | 2,798 |
| Net loans and leases to total assets | 59.1000% | 3,013 |
| Net loans and leases to deposits | 67.1623% | 3,126 |
| Net loans and leases to core deposits | 78.9720% | 2,843 |
| Total domestic deposits to total assets | 82.2300% | 3,203 |
| Equity capital to assets | 6.5362% | 4,091 |
| Core capital (leverage) ratio | 7.8297% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2032% | 1,792 |
| Memoranda: | ||
| Average total assets | $23,539,443,600 | 84 |
| Average earning assets | $21,754,278,600 | 83 |
| Average equity | $1,465,009,800 | 131 |
| Average total loans | $13,931,972,000 | 94 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9492% | 4,319 |
| Cost of funding earning assets | 1.8267% | 2,639 |
| Net interest margin | 2.1224% | 4,216 |
| Noninterest income to average assets | 0.7600% | 965 |
| Noninterest expense to average assets | 1.8156% | 3,905 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.6568% | 3,082 |
| Return on assets (ROA) | 0.6414% | 3,139 |
| Pretax return on assets | 0.8466% | 2,931 |
| Return on Equity (ROE) | 10.4400% | 2,071 |
| Retained earnings to average equity (ytd only) | 1.6781% | 3,543 |
| Net charge-offs to loans | 0.0912% | 1,045 |
| Credit loss provision to net charge-offs | 109.7643% | 1,565 |
| Earnings coverage of net charge-offs (x) | 16.8624% | 1,860 |
| Efficiency ratio | 66.6622% | 2,404 |
| Assets per employee ($millions) | 12.8197% | 349 |
| Cash dividends to net income (ytd only)* | 83.9215% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 2,962 |
| Loan loss allowance to noncurrent loans | 597.7159% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 2,928 |
| Noncurrent loans to loans | 0.1770% | 2,841 |
| Net loans and leases to total assets | 57.9600% | 3,103 |
| Net loans and leases to deposits | 65.3355% | 3,277 |
| Net loans and leases to core deposits | 76.7363% | 3,026 |
| Total domestic deposits to total assets | 83.0400% | 2,837 |
| Equity capital to assets | 6.4782% | 4,247 |
| Core capital (leverage) ratio | 7.8990% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3091% | 1,781 |
| Memoranda: | ||
| Average total assets | $23,532,338,750 | 87 |
| Average earning assets | $21,760,363,250 | 86 |
| Average equity | $1,446,154,500 | 133 |
| Average total loans | $13,895,432,500 | 95 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9353% | 4,323 |
| Cost of funding earning assets | 1.8010% | 2,615 |
| Net interest margin | 2.1343% | 4,216 |
| Noninterest income to average assets | 0.7300% | 1,020 |
| Noninterest expense to average assets | 1.8234% | 3,895 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 0.6323% | 3,104 |
| Return on assets (ROA) | 0.6152% | 3,184 |
| Pretax return on assets | 0.8177% | 2,956 |
| Return on Equity (ROE) | 10.2000% | 2,113 |
| Retained earnings to average equity (ytd only) | 1.0103% | 3,601 |
| Net charge-offs to loans | 0.0817% | 984 |
| Credit loss provision to net charge-offs | 118.9284% | 1,360 |
| Earnings coverage of net charge-offs (x) | 18.1221% | 1,682 |
| Efficiency ratio | 67.5280% | 2,376 |
| Assets per employee ($millions) | 12.1830% | 397 |
| Cash dividends to net income (ytd only)* | 90.0926% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 2,957 |
| Loan loss allowance to noncurrent loans | 724.4535% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.0990% | 2,971 |
| Noncurrent loans to loans | 0.1472% | 2,914 |
| Net loans and leases to total assets | 58.8200% | 3,067 |
| Net loans and leases to deposits | 66.7086% | 3,217 |
| Net loans and leases to core deposits | 77.6874% | 2,935 |
| Total domestic deposits to total assets | 82.6200% | 2,948 |
| Equity capital to assets | 6.3873% | 4,132 |
| Core capital (leverage) ratio | 7.8867% | 4,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2149% | 1,803 |
| Memoranda: | ||
| Average total assets | $23,453,907,667 | 86 |
| Average earning assets | $21,666,430,667 | 85 |
| Average equity | $1,414,966,000 | 135 |
| Average total loans | $13,886,033,000 | 94 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 4,335 |
| Cost of funding earning assets | 1.7703% | 2,586 |
| Net interest margin | 2.1166% | 4,244 |
| Noninterest income to average assets | 0.7200% | 981 |
| Noninterest expense to average assets | 1.7865% | 3,975 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.6485% | 3,019 |
| Return on assets (ROA) | 0.6324% | 3,083 |
| Pretax return on assets | 0.8417% | 2,825 |
| Return on Equity (ROE) | 10.8000% | 1,907 |
| Retained earnings to average equity (ytd only) | 0.6450% | 3,568 |
| Net charge-offs to loans | 0.0656% | 926 |
| Credit loss provision to net charge-offs | 155.2828% | 927 |
| Earnings coverage of net charge-offs (x) | 23.1263% | 1,284 |
| Efficiency ratio | 66.5945% | 2,544 |
| Assets per employee ($millions) | 12.3688% | 382 |
| Cash dividends to net income (ytd only)* | 94.0254% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 2,976 |
| Loan loss allowance to noncurrent loans | 951.9340% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 3,130 |
| Noncurrent loans to loans | 0.1120% | 3,049 |
| Net loans and leases to total assets | 58.6100% | 3,003 |
| Net loans and leases to deposits | 66.2104% | 3,158 |
| Net loans and leases to core deposits | 77.8953% | 2,859 |
| Total domestic deposits to total assets | 83.0200% | 2,977 |
| Equity capital to assets | 5.9380% | 4,221 |
| Core capital (leverage) ratio | 7.4723% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5745% | 2,044 |
| Memoranda: | ||
| Average total assets | $23,546,066,000 | 86 |
| Average earning assets | $21,785,095,000 | 85 |
| Average equity | $1,379,297,500 | 135 |
| Average total loans | $13,912,084,500 | 94 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 4,285 |
| Cost of funding earning assets | 1.4171% | 2,183 |
| Net interest margin | 2.2678% | 4,275 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 1.8174% | 3,978 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7616% | 3,005 |
| Return on assets (ROA) | 0.7283% | 3,095 |
| Pretax return on assets | 0.9699% | 2,750 |
| Return on Equity (ROE) | 13.2000% | 1,679 |
| Retained earnings to average equity (ytd only) | 2.8219% | 3,338 |
| Net charge-offs to loans | 0.0564% | 1,293 |
| Credit loss provision to net charge-offs | 125.1215% | 1,629 |
| Earnings coverage of net charge-offs (x) | 32.1199% | 1,593 |
| Efficiency ratio | 63.3912% | 2,683 |
| Assets per employee ($millions) | 12.4817% | 368 |
| Cash dividends to net income (ytd only)* | 78.6195% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,077 |
| Loan loss allowance to noncurrent loans | 901.2188% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 3,030 |
| Noncurrent loans to loans | 0.1163% | 2,940 |
| Net loans and leases to total assets | 58.3100% | 3,010 |
| Net loans and leases to deposits | 65.5670% | 3,201 |
| Net loans and leases to core deposits | 77.2221% | 2,900 |
| Total domestic deposits to total assets | 83.7100% | 2,699 |
| Equity capital to assets | 5.7788% | 4,278 |
| Core capital (leverage) ratio | 7.3798% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3774% | 2,110 |
| Memoranda: | ||
| Average total assets | $23,924,957,800 | 84 |
| Average earning assets | $22,112,776,400 | 81 |
| Average equity | $1,320,303,200 | 133 |
| Average total loans | $13,856,293,000 | 93 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6307% | 4,281 |
| Cost of funding earning assets | 1.3163% | 2,108 |
| Net interest margin | 2.3144% | 4,295 |
| Noninterest income to average assets | 0.7900% | 971 |
| Noninterest expense to average assets | 1.7759% | 4,024 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8375% | 2,909 |
| Return on assets (ROA) | 0.7990% | 3,025 |
| Pretax return on assets | 1.0635% | 2,677 |
| Return on Equity (ROE) | 14.6500% | 1,517 |
| Retained earnings to average equity (ytd only) | 3.7425% | 3,328 |
| Net charge-offs to loans | 0.0588% | 1,083 |
| Credit loss provision to net charge-offs | 113.5215% | 1,526 |
| Earnings coverage of net charge-offs (x) | 33.8938% | 1,531 |
| Efficiency ratio | 60.7295% | 2,883 |
| Assets per employee ($millions) | 12.2568% | 349 |
| Cash dividends to net income (ytd only)* | 74.4539% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,136 |
| Loan loss allowance to noncurrent loans | 844.2578% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 3,078 |
| Noncurrent loans to loans | 0.1236% | 2,937 |
| Net loans and leases to total assets | 58.5700% | 2,979 |
| Net loans and leases to deposits | 66.1442% | 3,115 |
| Net loans and leases to core deposits | 77.0763% | 2,795 |
| Total domestic deposits to total assets | 83.4100% | 2,924 |
| Equity capital to assets | 5.6156% | 4,101 |
| Core capital (leverage) ratio | 7.0931% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3587% | 2,131 |
| Memoranda: | ||
| Average total assets | $23,980,500,250 | 85 |
| Average earning assets | $22,161,002,000 | 82 |
| Average equity | $1,307,946,000 | 136 |
| Average total loans | $13,828,328,750 | 94 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4983% | 4,348 |
| Cost of funding earning assets | 1.1449% | 2,146 |
| Net interest margin | 2.3534% | 4,334 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 1.7785% | 4,041 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8024% | 3,072 |
| Return on assets (ROA) | 0.7861% | 3,132 |
| Pretax return on assets | 1.0471% | 2,785 |
| Return on Equity (ROE) | 14.5500% | 1,564 |
| Retained earnings to average equity (ytd only) | 2.7403% | 3,548 |
| Net charge-offs to loans | 0.0586% | 954 |
| Credit loss provision to net charge-offs | 122.9419% | 1,320 |
| Earnings coverage of net charge-offs (x) | 32.9629% | 1,505 |
| Efficiency ratio | 61.6796% | 2,751 |
| Assets per employee ($millions) | 12.3054% | 350 |
| Cash dividends to net income (ytd only)* | 81.1705% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,225 |
| Loan loss allowance to noncurrent loans | 843.6854% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0733% | 3,037 |
| Noncurrent loans to loans | 0.1238% | 2,853 |
| Net loans and leases to total assets | 55.2700% | 3,169 |
| Net loans and leases to deposits | 67.0777% | 2,986 |
| Net loans and leases to core deposits | 78.9698% | 2,544 |
| Total domestic deposits to total assets | 77.7400% | 3,877 |
| Equity capital to assets | 5.2815% | 4,331 |
| Core capital (leverage) ratio | 7.0875% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0428% | 2,280 |
| Memoranda: | ||
| Average total assets | $24,133,764,333 | 83 |
| Average earning assets | $22,321,404,000 | 80 |
| Average equity | $1,303,653,667 | 133 |
| Average total loans | $13,797,458,000 | 92 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4418% | 4,334 |
| Cost of funding earning assets | 0.9522% | 2,213 |
| Net interest margin | 2.4896% | 4,316 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 1.8711% | 3,914 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8257% | 3,111 |
| Return on assets (ROA) | 0.8069% | 3,130 |
| Pretax return on assets | 1.0811% | 2,763 |
| Return on Equity (ROE) | 14.7600% | 1,607 |
| Retained earnings to average equity (ytd only) | 0.8913% | 3,883 |
| Net charge-offs to loans | 0.0777% | 682 |
| Credit loss provision to net charge-offs | 67.6912% | 1,251 |
| Earnings coverage of net charge-offs (x) | 25.3306% | 1,371 |
| Efficiency ratio | 62.1680% | 2,668 |
| Assets per employee ($millions) | 11.8042% | 420 |
| Cash dividends to net income (ytd only)* | 93.9634% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 3,344 |
| Loan loss allowance to noncurrent loans | 771.7534% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 2,980 |
| Noncurrent loans to loans | 0.1346% | 2,835 |
| Net loans and leases to total assets | 57.2400% | 2,940 |
| Net loans and leases to deposits | 66.7052% | 2,873 |
| Net loans and leases to core deposits | 75.8998% | 2,536 |
| Total domestic deposits to total assets | 81.0300% | 3,633 |
| Equity capital to assets | 5.5019% | 4,338 |
| Core capital (leverage) ratio | 7.0765% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9470% | 2,411 |
| Memoranda: | ||
| Average total assets | $23,741,387,000 | 87 |
| Average earning assets | $22,003,472,000 | 84 |
| Average equity | $1,297,440,500 | 136 |
| Average total loans | $13,737,063,000 | 95 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7858% | 4,337 |
| Cost of funding earning assets | 0.2627% | 3,222 |
| Net interest margin | 2.5231% | 4,264 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 1.7893% | 4,046 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.0042% | 2,551 |
| Return on assets (ROA) | 0.9874% | 2,565 |
| Pretax return on assets | 1.2766% | 2,177 |
| Return on Equity (ROE) | 16.6600% | 925 |
| Retained earnings to average equity (ytd only) | 3.3799% | 3,599 |
| Net charge-offs to loans | 0.0395% | 1,307 |
| Credit loss provision to net charge-offs | -166.9467% | 4,596 |
| Earnings coverage of net charge-offs (x) | 57.1008% | 1,291 |
| Efficiency ratio | 58.6000% | 3,250 |
| Assets per employee ($millions) | 11.3580% | 463 |
| Cash dividends to net income (ytd only)* | 79.7134% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 3,084 |
| Loan loss allowance to noncurrent loans | 850.5918% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 3,027 |
| Noncurrent loans to loans | 0.1244% | 2,891 |
| Net loans and leases to total assets | 57.2700% | 2,889 |
| Net loans and leases to deposits | 65.4379% | 2,921 |
| Net loans and leases to core deposits | 74.1941% | 2,550 |
| Total domestic deposits to total assets | 82.5900% | 3,517 |
| Equity capital to assets | 5.4274% | 4,258 |
| Core capital (leverage) ratio | 7.2698% | 4,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0042% | 2,377 |
| Memoranda: | ||
| Average total assets | $23,123,314,400 | 91 |
| Average earning assets | $21,626,647,200 | 87 |
| Average equity | $1,370,399,000 | 132 |
| Average total loans | $12,952,234,600 | 101 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6522% | 4,339 |
| Cost of funding earning assets | 0.1560% | 3,778 |
| Net interest margin | 2.4961% | 4,213 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 1.8024% | 3,982 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.9875% | 2,521 |
| Return on assets (ROA) | 0.9691% | 2,569 |
| Pretax return on assets | 1.2467% | 2,216 |
| Return on Equity (ROE) | 16.0100% | 974 |
| Retained earnings to average equity (ytd only) | 2.8944% | 3,799 |
| Net charge-offs to loans | 0.0341% | 1,179 |
| Credit loss provision to net charge-offs | -258.2414% | 4,672 |
| Earnings coverage of net charge-offs (x) | 64.6976% | 1,134 |
| Efficiency ratio | 59.5624% | 3,170 |
| Assets per employee ($millions) | 10.9253% | 503 |
| Cash dividends to net income (ytd only)* | 81.9177% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,020 |
| Loan loss allowance to noncurrent loans | 806.8988% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 3,087 |
| Noncurrent loans to loans | 0.1362% | 2,955 |
| Net loans and leases to total assets | 57.0200% | 2,796 |
| Net loans and leases to deposits | 63.0207% | 2,942 |
| Net loans and leases to core deposits | 69.6567% | 2,664 |
| Total domestic deposits to total assets | 85.3500% | 3,205 |
| Equity capital to assets | 5.3954% | 4,163 |
| Core capital (leverage) ratio | 7.1803% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6530% | 2,196 |
| Memoranda: | ||
| Average total assets | $23,009,328,500 | 92 |
| Average earning assets | $21,562,645,500 | 88 |
| Average equity | $1,393,064,750 | 134 |
| Average total loans | $12,778,429,500 | 103 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5290% | 4,352 |
| Cost of funding earning assets | 0.1109% | 4,068 |
| Net interest margin | 2.4181% | 4,206 |
| Noninterest income to average assets | 0.7525% | 1,165 |
| Noninterest expense to average assets | 1.7907% | 3,983 |
| Loan and lease loss provision to assets | -0.0696% | 4,556 |
| Net operating income to assets | 0.9997% | 2,155 |
| Return on assets (ROA) | 0.9838% | 2,188 |
| Pretax return on assets | 1.2827% | 1,804 |
| Return on Equity (ROE) | 15.6780% | 760 |
| Retained earnings to average equity (ytd only) | 3.6101% | 3,230 |
| Net charge-offs to loans | 0.0336% | 1,063 |
| Credit loss provision to net charge-offs | -355.4086% | 3,311 |
| Earnings coverage of net charge-offs (x) | 66.9216% | 1,028 |
| Efficiency ratio | 59.2181% | 3,412 |
| Assets per employee ($millions) | 10.9768% | 499 |
| Cash dividends to net income (ytd only)* | 76.9734% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1463% | 2,945 |
| Loan loss allowance to noncurrent loans | 794.3942% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 3,086 |
| Noncurrent loans to loans | 0.1443% | 2,979 |
| Net loans and leases to total assets | 55.1930% | 2,835 |
| Net loans and leases to deposits | 60.8787% | 2,984 |
| Net loans and leases to core deposits | 67.3760% | 2,707 |
| Total domestic deposits to total assets | 85.5452% | 3,365 |
| Equity capital to assets | 5.6806% | 4,309 |
| Core capital (leverage) ratio | 7.2172% | 4,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0111% | 2,053 |
| Memoranda: | ||
| Average total assets | $22,976,769,333 | 91 |
| Average earning assets | $21,582,883,667 | 88 |
| Average equity | $1,441,845,667 | 133 |
| Average total loans | $12,597,231,333 | 102 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4464% | 4,332 |
| Cost of funding earning assets | 0.0987% | 4,146 |
| Net interest margin | 2.3477% | 4,155 |
| Noninterest income to average assets | 0.7750% | 1,100 |
| Noninterest expense to average assets | 1.8068% | 3,927 |
| Loan and lease loss provision to assets | -0.0962% | 4,594 |
| Net operating income to assets | 0.9859% | 1,938 |
| Return on assets (ROA) | 0.9687% | 1,998 |
| Pretax return on assets | 1.2530% | 1,647 |
| Return on Equity (ROE) | 14.7288% | 695 |
| Retained earnings to average equity (ytd only) | 2.7581% | 3,344 |
| Net charge-offs to loans | 0.0479% | 811 |
| Credit loss provision to net charge-offs | -314.5357% | 3,055 |
| Earnings coverage of net charge-offs (x) | 45.3324% | 958 |
| Efficiency ratio | 60.5213% | 3,431 |
| Assets per employee ($millions) | 11.0224% | 506 |
| Cash dividends to net income (ytd only)* | 81.2744% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2114% | 2,799 |
| Loan loss allowance to noncurrent loans | 592.5400% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 2,964 |
| Noncurrent loans to loans | 0.2044% | 2,803 |
| Net loans and leases to total assets | 53.9721% | 2,761 |
| Net loans and leases to deposits | 59.8202% | 2,919 |
| Net loans and leases to core deposits | 65.0565% | 2,716 |
| Total domestic deposits to total assets | 85.0726% | 3,528 |
| Equity capital to assets | 6.1856% | 4,539 |
| Core capital (leverage) ratio | 7.2314% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2990% | 2,078 |
| Memoranda: | ||
| Average total assets | $22,862,625,000 | 93 |
| Average earning assets | $21,525,271,500 | 89 |
| Average equity | $1,503,671,000 | 131 |
| Average total loans | $12,417,803,500 | 103 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5577% | 4,439 |
| Cost of funding earning assets | 0.1410% | 4,057 |
| Net interest margin | 2.4167% | 4,305 |
| Noninterest income to average assets | 0.7946% | 1,457 |
| Noninterest expense to average assets | 1.8111% | 4,128 |
| Loan and lease loss provision to assets | -0.2278% | 4,735 |
| Net operating income to assets | 1.1505% | 2,108 |
| Return on assets (ROA) | 1.1493% | 2,168 |
| Pretax return on assets | 1.4845% | 1,776 |
| Return on Equity (ROE) | 17.9768% | 469 |
| Retained earnings to average equity (ytd only) | 13.6014% | 343 |
| Net charge-offs to loans | 0.0492% | 1,328 |
| Credit loss provision to net charge-offs | -908.8181% | 3,896 |
| Earnings coverage of net charge-offs (x) | 46.7556% | 1,339 |
| Efficiency ratio | 59.0059% | 3,298 |
| Assets per employee ($millions) | 11.0674% | 496 |
| Cash dividends to net income (ytd only)* | 24.3391% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,432 |
| Loan loss allowance to noncurrent loans | 646.7014% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 3,104 |
| Noncurrent loans to loans | 0.1986% | 2,954 |
| Net loans and leases to total assets | 53.2992% | 2,934 |
| Net loans and leases to deposits | 59.5488% | 3,121 |
| Net loans and leases to core deposits | 65.1814% | 2,887 |
| Total domestic deposits to total assets | 84.2124% | 3,501 |
| Equity capital to assets | 6.9721% | 4,724 |
| Core capital (leverage) ratio | 7.2627% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7159% | 1,967 |
| Memoranda: | ||
| Average total assets | $22,164,928,600 | 92 |
| Average earning assets | $20,863,466,000 | 90 |
| Average equity | $1,417,017,400 | 138 |
| Average total loans | $12,130,202,600 | 99 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5714% | 4,520 |
| Cost of funding earning assets | 0.1514% | 4,096 |
| Net interest margin | 2.4200% | 4,376 |
| Noninterest income to average assets | 0.8121% | 1,484 |
| Noninterest expense to average assets | 1.8177% | 4,134 |
| Loan and lease loss provision to assets | -0.2471% | 4,792 |
| Net operating income to assets | 1.1525% | 2,355 |
| Return on assets (ROA) | 1.1558% | 2,401 |
| Pretax return on assets | 1.5212% | 1,936 |
| Return on Equity (ROE) | 18.5123% | 568 |
| Retained earnings to average equity (ytd only) | 15.6026% | 328 |
| Net charge-offs to loans | 0.0584% | 1,063 |
| Credit loss provision to net charge-offs | -842.0555% | 3,807 |
| Earnings coverage of net charge-offs (x) | 39.6220% | 1,373 |
| Efficiency ratio | 58.8694% | 3,143 |
| Assets per employee ($millions) | 11.1936% | 455 |
| Cash dividends to net income (ytd only)* | 15.7179% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 2,066 |
| Loan loss allowance to noncurrent loans | 621.9720% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 3,261 |
| Noncurrent loans to loans | 0.2232% | 3,057 |
| Net loans and leases to total assets | 52.0011% | 3,190 |
| Net loans and leases to deposits | 58.1684% | 3,393 |
| Net loans and leases to core deposits | 63.6946% | 3,167 |
| Total domestic deposits to total assets | 84.3179% | 3,363 |
| Equity capital to assets | 6.8410% | 4,836 |
| Core capital (leverage) ratio | 7.0300% | 4,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6061% | 2,125 |
| Memoranda: | ||
| Average total assets | $22,017,520,000 | 93 |
| Average earning assets | $20,703,082,250 | 91 |
| Average equity | $1,374,653,500 | 141 |
| Average total loans | $12,091,297,750 | 101 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5866% | 4,555 |
| Cost of funding earning assets | 0.1575% | 4,144 |
| Net interest margin | 2.4290% | 4,395 |
| Noninterest income to average assets | 0.7936% | 1,560 |
| Noninterest expense to average assets | 1.8197% | 4,140 |
| Loan and lease loss provision to assets | -0.2800% | 4,825 |
| Net operating income to assets | 1.1700% | 2,297 |
| Return on assets (ROA) | 1.1824% | 2,320 |
| Pretax return on assets | 1.5507% | 1,869 |
| Return on Equity (ROE) | 19.5994% | 489 |
| Retained earnings to average equity (ytd only) | 15.0188% | 425 |
| Net charge-offs to loans | 0.0678% | 948 |
| Credit loss provision to net charge-offs | -795.0000% | 3,592 |
| Earnings coverage of net charge-offs (x) | 33.2290% | 1,257 |
| Efficiency ratio | 59.1825% | 3,128 |
| Assets per employee ($millions) | 10.8595% | 479 |
| Cash dividends to net income (ytd only)* | 23.3712% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,614 |
| Loan loss allowance to noncurrent loans | 695.9029% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 3,403 |
| Noncurrent loans to loans | 0.2144% | 3,189 |
| Net loans and leases to total assets | 52.5944% | 3,287 |
| Net loans and leases to deposits | 58.4052% | 3,506 |
| Net loans and leases to core deposits | 64.9716% | 3,196 |
| Total domestic deposits to total assets | 84.9953% | 3,095 |
| Equity capital to assets | 5.9415% | 4,921 |
| Core capital (leverage) ratio | 6.2865% | 4,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1939% | 2,648 |
| Memoranda: | ||
| Average total assets | $21,711,479,667 | 93 |
| Average earning assets | $20,388,838,000 | 92 |
| Average equity | $1,309,864,000 | 144 |
| Average total loans | $12,090,158,667 | 101 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6318% | 4,544 |
| Cost of funding earning assets | 0.1646% | 4,203 |
| Net interest margin | 2.4672% | 4,346 |
| Noninterest income to average assets | 0.7906% | 1,602 |
| Noninterest expense to average assets | 1.8500% | 4,110 |
| Loan and lease loss provision to assets | -0.2692% | 4,846 |
| Net operating income to assets | 1.1519% | 2,327 |
| Return on assets (ROA) | 1.1376% | 2,430 |
| Pretax return on assets | 1.5045% | 1,978 |
| Return on Equity (ROE) | 18.7046% | 652 |
| Retained earnings to average equity (ytd only) | 15.6090% | 556 |
| Net charge-offs to loans | 0.0965% | 702 |
| Credit loss provision to net charge-offs | -514.1632% | 3,183 |
| Earnings coverage of net charge-offs (x) | 22.8320% | 1,206 |
| Efficiency ratio | 59.6105% | 3,074 |
| Assets per employee ($millions) | 10.6500% | 492 |
| Cash dividends to net income (ytd only)* | 16.5500% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 1,214 |
| Loan loss allowance to noncurrent loans | 763.8272% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 3,528 |
| Noncurrent loans to loans | 0.2136% | 3,342 |
| Net loans and leases to total assets | 54.5711% | 3,179 |
| Net loans and leases to deposits | 61.0074% | 3,411 |
| Net loans and leases to core deposits | 68.3543% | 3,033 |
| Total domestic deposits to total assets | 84.3328% | 3,330 |
| Equity capital to assets | 5.9033% | 4,947 |
| Core capital (leverage) ratio | 6.3521% | 4,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1395% | 2,613 |
| Memoranda: | ||
| Average total assets | $21,246,168,000 | 94 |
| Average earning assets | $19,916,368,000 | 94 |
| Average equity | $1,292,153,500 | 145 |
| Average total loans | $12,090,804,000 | 102 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0489% | 4,601 |
| Cost of funding earning assets | 0.2771% | 4,260 |
| Net interest margin | 2.7718% | 4,295 |
| Noninterest income to average assets | 0.8785% | 1,317 |
| Noninterest expense to average assets | 1.9183% | 4,291 |
| Loan and lease loss provision to assets | 0.6074% | 327 |
| Net operating income to assets | 0.7637% | 3,227 |
| Return on assets (ROA) | 0.7493% | 3,389 |
| Pretax return on assets | 0.9191% | 3,315 |
| Return on Equity (ROE) | 11.4114% | 1,491 |
| Retained earnings to average equity (ytd only) | 0.8897% | 4,263 |
| Net charge-offs to loans | 0.0615% | 1,898 |
| Credit loss provision to net charge-offs | 1,650.3222% | 512 |
| Earnings coverage of net charge-offs (x) | 41.9531% | 1,343 |
| Efficiency ratio | 55.4054% | 4,054 |
| Assets per employee ($millions) | 10.1754% | 500 |
| Cash dividends to net income (ytd only)* | 92.2033% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7987% | 860 |
| Loan loss allowance to noncurrent loans | 810.0843% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 3,591 |
| Noncurrent loans to loans | 0.2220% | 3,405 |
| Net loans and leases to total assets | 57.3827% | 3,151 |
| Net loans and leases to deposits | 64.5920% | 3,392 |
| Net loans and leases to core deposits | 73.6300% | 2,941 |
| Total domestic deposits to total assets | 83.5325% | 3,256 |
| Equity capital to assets | 6.2720% | 4,970 |
| Core capital (leverage) ratio | 6.3539% | 4,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6882% | 2,739 |
| Memoranda: | ||
| Average total assets | $19,395,282,400 | 96 |
| Average earning assets | $18,079,599,000 | 94 |
| Average equity | $1,273,558,200 | 146 |
| Average total loans | $11,609,159,400 | 103 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1611% | 4,624 |
| Cost of funding earning assets | 0.3094% | 4,273 |
| Net interest margin | 2.8516% | 4,262 |
| Noninterest income to average assets | 0.8817% | 1,278 |
| Noninterest expense to average assets | 1.9212% | 4,291 |
| Loan and lease loss provision to assets | 0.7162% | 288 |
| Net operating income to assets | 0.7285% | 3,359 |
| Return on assets (ROA) | 0.7147% | 3,514 |
| Pretax return on assets | 0.8834% | 3,424 |
| Return on Equity (ROE) | 10.7542% | 1,758 |
| Retained earnings to average equity (ytd only) | 0.5654% | 4,369 |
| Net charge-offs to loans | 0.0857% | 1,455 |
| Credit loss provision to net charge-offs | 1,387.6116% | 656 |
| Earnings coverage of net charge-offs (x) | 31.3217% | 1,546 |
| Efficiency ratio | 54.3043% | 4,118 |
| Assets per employee ($millions) | 9.8534% | 529 |
| Cash dividends to net income (ytd only)* | 94.7423% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7255% | 849 |
| Loan loss allowance to noncurrent loans | 786.1238% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 3,715 |
| Noncurrent loans to loans | 0.2195% | 3,510 |
| Net loans and leases to total assets | 57.7164% | 3,445 |
| Net loans and leases to deposits | 65.1321% | 3,686 |
| Net loans and leases to core deposits | 74.7831% | 3,257 |
| Total domestic deposits to total assets | 83.1077% | 3,119 |
| Equity capital to assets | 6.4192% | 4,992 |
| Core capital (leverage) ratio | 6.5053% | 5,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8137% | 2,678 |
| Memoranda: | ||
| Average total assets | $19,100,424,000 | 95 |
| Average earning assets | $17,790,551,500 | 94 |
| Average equity | $1,269,334,000 | 146 |
| Average total loans | $11,505,803,000 | 102 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2777% | 4,669 |
| Cost of funding earning assets | 0.3599% | 4,226 |
| Net interest margin | 2.9178% | 4,280 |
| Noninterest income to average assets | 0.8871% | 1,199 |
| Noninterest expense to average assets | 1.9621% | 4,307 |
| Loan and lease loss provision to assets | 0.7883% | 315 |
| Net operating income to assets | 0.6944% | 3,404 |
| Return on assets (ROA) | 0.6810% | 3,565 |
| Pretax return on assets | 0.8354% | 3,490 |
| Return on Equity (ROE) | 10.1243% | 1,946 |
| Retained earnings to average equity (ytd only) | -0.4873% | 4,402 |
| Net charge-offs to loans | 0.1551% | 948 |
| Credit loss provision to net charge-offs | 836.0637% | 889 |
| Earnings coverage of net charge-offs (x) | 17.3935% | 1,818 |
| Efficiency ratio | 54.4698% | 4,121 |
| Assets per employee ($millions) | 9.3472% | 616 |
| Cash dividends to net income (ytd only)* | 104.8136% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 1,364 |
| Loan loss allowance to noncurrent loans | 596.4202% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 3,723 |
| Noncurrent loans to loans | 0.2459% | 3,496 |
| Net loans and leases to total assets | 59.0265% | 3,423 |
| Net loans and leases to deposits | 66.6884% | 3,665 |
| Net loans and leases to core deposits | 76.4263% | 3,250 |
| Total domestic deposits to total assets | 82.9934% | 3,087 |
| Equity capital to assets | 6.5025% | 5,016 |
| Core capital (leverage) ratio | 6.6041% | 5,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7842% | 2,696 |
| Memoranda: | ||
| Average total assets | $18,773,522,000 | 96 |
| Average earning assets | $17,468,891,000 | 95 |
| Average equity | $1,262,760,333 | 147 |
| Average total loans | $11,409,868,000 | 103 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 4,690 |
| Cost of funding earning assets | 0.4477% | 4,162 |
| Net interest margin | 2.9995% | 4,281 |
| Noninterest income to average assets | 1.0067% | 850 |
| Noninterest expense to average assets | 2.0926% | 4,230 |
| Loan and lease loss provision to assets | 0.7348% | 352 |
| Net operating income to assets | 0.7838% | 2,958 |
| Return on assets (ROA) | 0.7697% | 3,094 |
| Pretax return on assets | 0.9434% | 3,024 |
| Return on Equity (ROE) | 11.2420% | 1,345 |
| Retained earnings to average equity (ytd only) | -0.5762% | 4,087 |
| Net charge-offs to loans | 0.1336% | 927 |
| Credit loss provision to net charge-offs | 898.3957% | 623 |
| Earnings coverage of net charge-offs (x) | 20.7273% | 1,404 |
| Efficiency ratio | 55.2433% | 4,286 |
| Assets per employee ($millions) | 8.8411% | 560 |
| Cash dividends to net income (ytd only)* | 105.1256% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 2,586 |
| Loan loss allowance to noncurrent loans | 518.9902% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 3,869 |
| Noncurrent loans to loans | 0.2340% | 3,652 |
| Net loans and leases to total assets | 60.6887% | 3,431 |
| Net loans and leases to deposits | 69.8413% | 3,608 |
| Net loans and leases to core deposits | 81.0104% | 3,110 |
| Total domestic deposits to total assets | 81.2845% | 3,605 |
| Equity capital to assets | 6.8860% | 5,076 |
| Core capital (leverage) ratio | 6.8942% | 5,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6937% | 2,846 |
| Memoranda: | ||
| Average total assets | $18,289,589,500 | 94 |
| Average earning assets | $16,959,236,500 | 94 |
| Average equity | $1,252,301,000 | 145 |
| Average total loans | $11,201,761,500 | 102 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6050% | 4,771 |
| Cost of funding earning assets | 0.5456% | 3,897 |
| Net interest margin | 3.0594% | 4,436 |
| Noninterest income to average assets | 1.0387% | 891 |
| Noninterest expense to average assets | 2.1472% | 4,275 |
| Loan and lease loss provision to assets | 0.0910% | 2,204 |
| Net operating income to assets | 1.3060% | 1,666 |
| Return on assets (ROA) | 1.2919% | 1,801 |
| Pretax return on assets | 1.6430% | 1,355 |
| Return on Equity (ROE) | 18.6732% | 291 |
| Retained earnings to average equity (ytd only) | 0.5865% | 4,519 |
| Net charge-offs to loans | 0.1178% | 1,569 |
| Credit loss provision to net charge-offs | 126.3224% | 2,018 |
| Earnings coverage of net charge-offs (x) | 24.3171% | 1,780 |
| Efficiency ratio | 55.0698% | 4,316 |
| Assets per employee ($millions) | 8.5056% | 590 |
| Cash dividends to net income (ytd only)* | 96.8591% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 3,534 |
| Loan loss allowance to noncurrent loans | 426.6928% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 3,849 |
| Noncurrent loans to loans | 0.2338% | 3,613 |
| Net loans and leases to total assets | 60.4447% | 3,546 |
| Net loans and leases to deposits | 69.0194% | 3,742 |
| Net loans and leases to core deposits | 80.6240% | 3,245 |
| Total domestic deposits to total assets | 81.6692% | 3,596 |
| Equity capital to assets | 6.8071% | 5,153 |
| Core capital (leverage) ratio | 7.0058% | 5,141 |
| Tier 1 risk-based capital ratio | 11.7627% | 4,490 |
| Total risk-based capital ratio | 12.8676% | 4,452 |
| Memoranda: | ||
| Average total assets | $17,581,115,000 | 91 |
| Average earning assets | $16,437,768,000 | 90 |
| Average equity | $1,216,361,400 | 143 |
| Average total loans | $10,751,217,200 | 101 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6416% | 4,847 |
| Cost of funding earning assets | 0.5590% | 3,877 |
| Net interest margin | 3.0827% | 4,504 |
| Noninterest income to average assets | 1.0344% | 868 |
| Noninterest expense to average assets | 2.1757% | 4,223 |
| Loan and lease loss provision to assets | 0.0859% | 2,200 |
| Net operating income to assets | 1.3028% | 1,850 |
| Return on assets (ROA) | 1.2882% | 1,980 |
| Pretax return on assets | 1.6375% | 1,501 |
| Return on Equity (ROE) | 18.5418% | 350 |
| Retained earnings to average equity (ytd only) | -0.1441% | 4,773 |
| Net charge-offs to loans | 0.1124% | 1,352 |
| Credit loss provision to net charge-offs | 124.9029% | 1,886 |
| Earnings coverage of net charge-offs (x) | 25.3259% | 1,769 |
| Efficiency ratio | 55.5364% | 4,213 |
| Assets per employee ($millions) | 8.3067% | 623 |
| Cash dividends to net income (ytd only)* | 100.7772% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,586 |
| Loan loss allowance to noncurrent loans | 439.3112% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1572% | 3,950 |
| Noncurrent loans to loans | 0.2271% | 3,733 |
| Net loans and leases to total assets | 61.2639% | 3,567 |
| Net loans and leases to deposits | 70.2657% | 3,754 |
| Net loans and leases to core deposits | 82.2656% | 3,232 |
| Total domestic deposits to total assets | 81.2312% | 3,684 |
| Equity capital to assets | 6.9668% | 5,226 |
| Core capital (leverage) ratio | 7.0339% | 5,216 |
| Tier 1 risk-based capital ratio | 11.8614% | 4,482 |
| Total risk-based capital ratio | 12.9740% | 4,456 |
| Memoranda: | ||
| Average total assets | $17,459,901,000 | 92 |
| Average earning assets | $16,330,477,500 | 91 |
| Average equity | $1,213,008,000 | 143 |
| Average total loans | $10,681,533,000 | 101 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6418% | 4,894 |
| Cost of funding earning assets | 0.5563% | 3,856 |
| Net interest margin | 3.0855% | 4,561 |
| Noninterest income to average assets | 1.0232% | 837 |
| Noninterest expense to average assets | 2.1272% | 4,363 |
| Loan and lease loss provision to assets | 0.0805% | 2,223 |
| Net operating income to assets | 1.3478% | 1,584 |
| Return on assets (ROA) | 1.3364% | 1,693 |
| Pretax return on assets | 1.6878% | 1,298 |
| Return on Equity (ROE) | 19.2535% | 302 |
| Retained earnings to average equity (ytd only) | 0.2077% | 4,638 |
| Net charge-offs to loans | 0.1136% | 1,285 |
| Credit loss provision to net charge-offs | 116.2598% | 1,792 |
| Earnings coverage of net charge-offs (x) | 25.7588% | 1,584 |
| Efficiency ratio | 54.4041% | 4,421 |
| Assets per employee ($millions) | 8.2068% | 620 |
| Cash dividends to net income (ytd only)* | 98.9213% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,638 |
| Loan loss allowance to noncurrent loans | 422.9896% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1596% | 3,966 |
| Noncurrent loans to loans | 0.2361% | 3,695 |
| Net loans and leases to total assets | 60.4390% | 3,696 |
| Net loans and leases to deposits | 68.7324% | 3,923 |
| Net loans and leases to core deposits | 81.2018% | 3,321 |
| Total domestic deposits to total assets | 81.8400% | 3,564 |
| Equity capital to assets | 6.9310% | 5,269 |
| Core capital (leverage) ratio | 7.0801% | 5,262 |
| Tier 1 risk-based capital ratio | 11.9894% | 4,428 |
| Total risk-based capital ratio | 13.1013% | 4,380 |
| Memoranda: | ||
| Average total assets | $17,398,708,000 | 92 |
| Average earning assets | $16,278,906,670 | 91 |
| Average equity | $1,207,612,670 | 144 |
| Average total loans | $10,602,704,670 | 102 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6335% | 4,929 |
| Cost of funding earning assets | 0.5150% | 3,996 |
| Net interest margin | 3.1185% | 4,555 |
| Noninterest income to average assets | 1.0187% | 764 |
| Noninterest expense to average assets | 2.1547% | 4,363 |
| Loan and lease loss provision to assets | 0.0695% | 2,265 |
| Net operating income to assets | 1.3849% | 1,420 |
| Return on assets (ROA) | 1.3723% | 1,486 |
| Pretax return on assets | 1.6975% | 1,214 |
| Return on Equity (ROE) | 19.7572% | 280 |
| Retained earnings to average equity (ytd only) | -0.2531% | 4,568 |
| Net charge-offs to loans | 0.1396% | 912 |
| Credit loss provision to net charge-offs | 81.7439% | 1,773 |
| Earnings coverage of net charge-offs (x) | 20.9681% | 1,539 |
| Efficiency ratio | 54.7258% | 4,465 |
| Assets per employee ($millions) | 8.2475% | 614 |
| Cash dividends to net income (ytd only)* | 101.2812% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 3,684 |
| Loan loss allowance to noncurrent loans | 509.3097% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 4,111 |
| Noncurrent loans to loans | 0.1970% | 3,885 |
| Net loans and leases to total assets | 60.0533% | 3,705 |
| Net loans and leases to deposits | 68.3099% | 3,902 |
| Net loans and leases to core deposits | 80.1772% | 3,354 |
| Total domestic deposits to total assets | 81.6685% | 3,806 |
| Equity capital to assets | 6.9100% | 5,312 |
| Core capital (leverage) ratio | 7.1525% | 5,310 |
| Tier 1 risk-based capital ratio | 12.2225% | 4,339 |
| Total risk-based capital ratio | 13.3433% | 4,301 |
| Memoranda: | ||
| Average total assets | $17,267,530,500 | 94 |
| Average earning assets | $16,160,699,000 | 92 |
| Average equity | $1,199,377,500 | 145 |
| Average total loans | $10,513,139,500 | 104 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4542% | 4,960 |
| Cost of funding earning assets | 0.3971% | 4,000 |
| Net interest margin | 3.0571% | 4,717 |
| Noninterest income to average assets | 0.9838% | 975 |
| Noninterest expense to average assets | 2.1645% | 4,417 |
| Loan and lease loss provision to assets | 0.0786% | 2,556 |
| Net operating income to assets | 1.3062% | 1,768 |
| Return on assets (ROA) | 1.2914% | 1,831 |
| Pretax return on assets | 1.6010% | 1,468 |
| Return on Equity (ROE) | 18.7178% | 327 |
| Retained earnings to average equity (ytd only) | 3.0084% | 3,891 |
| Net charge-offs to loans | 0.1393% | 1,365 |
| Credit loss provision to net charge-offs | 95.3616% | 2,634 |
| Earnings coverage of net charge-offs (x) | 20.5872% | 1,989 |
| Efficiency ratio | 56.0403% | 4,409 |
| Assets per employee ($millions) | 8.0662% | 648 |
| Cash dividends to net income (ytd only)* | 83.9276% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 3,562 |
| Loan loss allowance to noncurrent loans | 588.1319% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 4,260 |
| Noncurrent loans to loans | 0.1734% | 3,973 |
| Net loans and leases to total assets | 60.4863% | 3,715 |
| Net loans and leases to deposits | 68.6544% | 3,934 |
| Net loans and leases to core deposits | 80.5738% | 3,387 |
| Total domestic deposits to total assets | 81.9543% | 3,653 |
| Equity capital to assets | 6.9824% | 5,335 |
| Core capital (leverage) ratio | 7.2425% | 5,344 |
| Tier 1 risk-based capital ratio | 12.4576% | 4,166 |
| Total risk-based capital ratio | 13.6080% | 4,085 |
| Memoranda: | ||
| Average total assets | $17,069,338,200 | 94 |
| Average earning assets | $16,072,957,600 | 92 |
| Average equity | $1,177,638,000 | 145 |
| Average total loans | $10,106,917,600 | 103 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4076% | 5,026 |
| Cost of funding earning assets | 0.3714% | 4,038 |
| Net interest margin | 3.0363% | 4,799 |
| Noninterest income to average assets | 0.9877% | 980 |
| Noninterest expense to average assets | 2.1426% | 4,450 |
| Loan and lease loss provision to assets | 0.0893% | 2,189 |
| Net operating income to assets | 1.3172% | 1,785 |
| Return on assets (ROA) | 1.3018% | 1,847 |
| Pretax return on assets | 1.5983% | 1,588 |
| Return on Equity (ROE) | 18.9267% | 344 |
| Retained earnings to average equity (ytd only) | 3.5852% | 3,973 |
| Net charge-offs to loans | 0.1342% | 1,205 |
| Credit loss provision to net charge-offs | 113.3320% | 2,072 |
| Earnings coverage of net charge-offs (x) | 21.6578% | 1,911 |
| Efficiency ratio | 55.6632% | 4,428 |
| Assets per employee ($millions) | 7.9159% | 667 |
| Cash dividends to net income (ytd only)* | 81.0572% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 3,413 |
| Loan loss allowance to noncurrent loans | 543.8851% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 4,319 |
| Noncurrent loans to loans | 0.1950% | 4,010 |
| Net loans and leases to total assets | 59.7772% | 3,866 |
| Net loans and leases to deposits | 68.0739% | 4,054 |
| Net loans and leases to core deposits | 80.0516% | 3,490 |
| Total domestic deposits to total assets | 81.7455% | 3,680 |
| Equity capital to assets | 6.9636% | 5,391 |
| Core capital (leverage) ratio | 7.2007% | 5,418 |
| Tier 1 risk-based capital ratio | 12.5896% | 4,162 |
| Total risk-based capital ratio | 13.7781% | 4,080 |
| Memoranda: | ||
| Average total assets | $17,057,578,250 | 94 |
| Average earning assets | $16,075,315,250 | 91 |
| Average equity | $1,173,264,500 | 144 |
| Average total loans | $10,018,706,750 | 103 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3570% | 5,084 |
| Cost of funding earning assets | 0.3512% | 4,071 |
| Net interest margin | 3.0059% | 4,870 |
| Noninterest income to average assets | 0.9955% | 970 |
| Noninterest expense to average assets | 2.1521% | 4,480 |
| Loan and lease loss provision to assets | 0.0892% | 2,134 |
| Net operating income to assets | 1.2976% | 1,783 |
| Return on assets (ROA) | 1.2799% | 1,863 |
| Pretax return on assets | 1.5656% | 1,619 |
| Return on Equity (ROE) | 18.6849% | 362 |
| Retained earnings to average equity (ytd only) | 4.1623% | 3,529 |
| Net charge-offs to loans | 0.1365% | 1,100 |
| Credit loss provision to net charge-offs | 112.4134% | 1,867 |
| Earnings coverage of net charge-offs (x) | 21.1181% | 1,785 |
| Efficiency ratio | 56.2120% | 4,452 |
| Assets per employee ($millions) | 7.8676% | 657 |
| Cash dividends to net income (ytd only)* | 77.7235% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 3,411 |
| Loan loss allowance to noncurrent loans | 423.5690% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 4,155 |
| Noncurrent loans to loans | 0.2537% | 3,793 |
| Net loans and leases to total assets | 58.2649% | 3,965 |
| Net loans and leases to deposits | 66.4341% | 4,146 |
| Net loans and leases to core deposits | 78.1730% | 3,562 |
| Total domestic deposits to total assets | 81.5517% | 3,853 |
| Equity capital to assets | 6.8874% | 5,459 |
| Core capital (leverage) ratio | 7.1869% | 5,468 |
| Tier 1 risk-based capital ratio | 12.6738% | 4,078 |
| Total risk-based capital ratio | 13.8741% | 4,013 |
| Memoranda: | ||
| Average total assets | $17,088,867,670 | 94 |
| Average earning assets | $16,106,332,000 | 91 |
| Average equity | $1,170,589,670 | 142 |
| Average total loans | $9,941,900,670 | 104 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3054% | 5,135 |
| Cost of funding earning assets | 0.3268% | 4,152 |
| Net interest margin | 2.9786% | 4,907 |
| Noninterest income to average assets | 1.0144% | 886 |
| Noninterest expense to average assets | 2.1930% | 4,438 |
| Loan and lease loss provision to assets | 0.0966% | 1,904 |
| Net operating income to assets | 1.2834% | 1,705 |
| Return on assets (ROA) | 1.2731% | 1,738 |
| Pretax return on assets | 1.5267% | 1,603 |
| Return on Equity (ROE) | 18.6364% | 347 |
| Retained earnings to average equity (ytd only) | 6.6412% | 2,436 |
| Net charge-offs to loans | 0.1431% | 955 |
| Credit loss provision to net charge-offs | 116.7563% | 1,406 |
| Earnings coverage of net charge-offs (x) | 19.7744% | 1,491 |
| Efficiency ratio | 57.2790% | 4,434 |
| Assets per employee ($millions) | 8.0021% | 627 |
| Cash dividends to net income (ytd only)* | 64.3643% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,476 |
| Loan loss allowance to noncurrent loans | 510.6832% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 4,390 |
| Noncurrent loans to loans | 0.2126% | 4,022 |
| Net loans and leases to total assets | 57.4697% | 3,993 |
| Net loans and leases to deposits | 65.5305% | 4,122 |
| Net loans and leases to core deposits | 77.3635% | 3,547 |
| Total domestic deposits to total assets | 81.8470% | 4,009 |
| Equity capital to assets | 6.8576% | 5,523 |
| Core capital (leverage) ratio | 7.1345% | 5,540 |
| Tier 1 risk-based capital ratio | 12.7874% | 4,064 |
| Total risk-based capital ratio | 14.0029% | 3,975 |
| Memoranda: | ||
| Average total assets | $17,085,136,000 | 94 |
| Average earning assets | $16,142,380,000 | 92 |
| Average equity | $1,167,135,500 | 141 |
| Average total loans | $9,878,177,000 | 104 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2003% | 5,190 |
| Cost of funding earning assets | 0.2923% | 4,209 |
| Net interest margin | 2.9080% | 5,032 |
| Noninterest income to average assets | 1.0095% | 998 |
| Noninterest expense to average assets | 2.1162% | 4,732 |
| Loan and lease loss provision to assets | 0.1002% | 2,218 |
| Net operating income to assets | 1.0623% | 2,010 |
| Return on assets (ROA) | 1.0557% | 2,056 |
| Pretax return on assets | 1.5289% | 1,528 |
| Return on Equity (ROE) | 15.6569% | 521 |
| Retained earnings to average equity (ytd only) | 4.2299% | 2,624 |
| Net charge-offs to loans | 0.1472% | 1,613 |
| Credit loss provision to net charge-offs | 122.2246% | 2,135 |
| Earnings coverage of net charge-offs (x) | 19.9938% | 1,992 |
| Efficiency ratio | 56.3604% | 4,729 |
| Assets per employee ($millions) | 8.0027% | 639 |
| Cash dividends to net income (ytd only)* | 72.9837% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 3,391 |
| Loan loss allowance to noncurrent loans | 482.9532% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 4,454 |
| Noncurrent loans to loans | 0.2264% | 3,998 |
| Net loans and leases to total assets | 56.9042% | 4,120 |
| Net loans and leases to deposits | 65.0132% | 4,259 |
| Net loans and leases to core deposits | 76.1896% | 3,728 |
| Total domestic deposits to total assets | 81.9610% | 3,881 |
| Equity capital to assets | 6.8049% | 5,595 |
| Core capital (leverage) ratio | 6.9208% | 5,607 |
| Tier 1 risk-based capital ratio | 12.6244% | 4,132 |
| Total risk-based capital ratio | 13.8470% | 4,036 |
| Memoranda: | ||
| Average total assets | $16,872,087,000 | 94 |
| Average earning assets | $15,927,350,000 | 90 |
| Average equity | $1,137,660,000 | 139 |
| Average total loans | $9,390,969,000 | 104 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1610% | 5,280 |
| Cost of funding earning assets | 0.2829% | 4,289 |
| Net interest margin | 2.8781% | 5,116 |
| Noninterest income to average assets | 1.0237% | 977 |
| Noninterest expense to average assets | 2.1008% | 4,732 |
| Loan and lease loss provision to assets | 0.1002% | 2,106 |
| Net operating income to assets | 1.0688% | 2,235 |
| Return on assets (ROA) | 1.0628% | 2,304 |
| Pretax return on assets | 1.5324% | 1,660 |
| Return on Equity (ROE) | 15.7990% | 547 |
| Retained earnings to average equity (ytd only) | 4.6078% | 3,137 |
| Net charge-offs to loans | 0.1442% | 1,383 |
| Credit loss provision to net charge-offs | 125.9709% | 1,931 |
| Earnings coverage of net charge-offs (x) | 20.6260% | 1,944 |
| Efficiency ratio | 56.1381% | 4,722 |
| Assets per employee ($millions) | 8.1326% | 603 |
| Cash dividends to net income (ytd only)* | 70.8347% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 3,411 |
| Loan loss allowance to noncurrent loans | 479.1581% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 4,561 |
| Noncurrent loans to loans | 0.2327% | 4,133 |
| Net loans and leases to total assets | 54.9667% | 4,327 |
| Net loans and leases to deposits | 62.7870% | 4,455 |
| Net loans and leases to core deposits | 75.3088% | 3,863 |
| Total domestic deposits to total assets | 81.8595% | 3,819 |
| Equity capital to assets | 6.7272% | 5,680 |
| Core capital (leverage) ratio | 6.9073% | 5,674 |
| Tier 1 risk-based capital ratio | 12.6654% | 4,230 |
| Total risk-based capital ratio | 13.8983% | 4,129 |
| Memoranda: | ||
| Average total assets | $16,824,682,750 | 91 |
| Average earning assets | $15,891,448,500 | 89 |
| Average equity | $1,131,815,750 | 137 |
| Average total loans | $9,284,666,750 | 103 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1301% | 5,323 |
| Cost of funding earning assets | 0.2699% | 4,375 |
| Net interest margin | 2.8601% | 5,153 |
| Noninterest income to average assets | 1.0403% | 945 |
| Noninterest expense to average assets | 2.1115% | 4,753 |
| Loan and lease loss provision to assets | 0.1037% | 1,954 |
| Net operating income to assets | 1.0588% | 2,171 |
| Return on assets (ROA) | 1.0534% | 2,237 |
| Pretax return on assets | 1.5183% | 1,572 |
| Return on Equity (ROE) | 15.6590% | 574 |
| Retained earnings to average equity (ytd only) | 4.9683% | 2,729 |
| Net charge-offs to loans | 0.1431% | 1,298 |
| Credit loss provision to net charge-offs | 131.6591% | 1,667 |
| Earnings coverage of net charge-offs (x) | 20.6965% | 1,782 |
| Efficiency ratio | 56.4376% | 4,775 |
| Assets per employee ($millions) | 7.9151% | 640 |
| Cash dividends to net income (ytd only)* | 68.2718% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 3,417 |
| Loan loss allowance to noncurrent loans | 497.2787% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 4,635 |
| Noncurrent loans to loans | 0.2273% | 4,218 |
| Net loans and leases to total assets | 54.8631% | 4,327 |
| Net loans and leases to deposits | 62.7347% | 4,451 |
| Net loans and leases to core deposits | 73.8496% | 3,952 |
| Total domestic deposits to total assets | 81.7491% | 3,959 |
| Equity capital to assets | 6.7627% | 5,722 |
| Core capital (leverage) ratio | 7.0290% | 5,712 |
| Tier 1 risk-based capital ratio | 12.7304% | 4,164 |
| Total risk-based capital ratio | 13.9774% | 4,076 |
| Memoranda: | ||
| Average total assets | $16,685,904,330 | 92 |
| Average earning assets | $15,758,211,330 | 89 |
| Average equity | $1,122,476,000 | 137 |
| Average total loans | $9,184,986,330 | 103 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1133% | 5,356 |
| Cost of funding earning assets | 0.2557% | 4,490 |
| Net interest margin | 2.8576% | 5,153 |
| Noninterest income to average assets | 1.0227% | 960 |
| Noninterest expense to average assets | 2.1321% | 4,789 |
| Loan and lease loss provision to assets | 0.1063% | 1,796 |
| Net operating income to assets | 1.0394% | 2,117 |
| Return on assets (ROA) | 1.0354% | 2,192 |
| Pretax return on assets | 1.4741% | 1,625 |
| Return on Equity (ROE) | 15.4332% | 600 |
| Retained earnings to average equity (ytd only) | 4.6267% | 3,101 |
| Net charge-offs to loans | 0.1591% | 1,019 |
| Credit loss provision to net charge-offs | 121.9174% | 1,383 |
| Earnings coverage of net charge-offs (x) | 18.1856% | 1,575 |
| Efficiency ratio | 57.3419% | 4,795 |
| Assets per employee ($millions) | 7.8666% | 654 |
| Cash dividends to net income (ytd only)* | 70.0215% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 3,413 |
| Loan loss allowance to noncurrent loans | 470.4850% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 4,657 |
| Noncurrent loans to loans | 0.2445% | 4,230 |
| Net loans and leases to total assets | 54.2717% | 4,318 |
| Net loans and leases to deposits | 62.1602% | 4,423 |
| Net loans and leases to core deposits | 71.8476% | 3,995 |
| Total domestic deposits to total assets | 81.4888% | 4,301 |
| Equity capital to assets | 6.7702% | 5,779 |
| Core capital (leverage) ratio | 6.9493% | 5,767 |
| Tier 1 risk-based capital ratio | 12.7959% | 4,205 |
| Total risk-based capital ratio | 14.0459% | 4,095 |
| Memoranda: | ||
| Average total assets | $16,551,742,000 | 92 |
| Average earning assets | $15,612,922,000 | 89 |
| Average equity | $1,110,435,500 | 135 |
| Average total loans | $9,073,496,000 | 103 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1096% | 5,392 |
| Cost of funding earning assets | 0.2686% | 4,384 |
| Net interest margin | 2.8410% | 5,218 |
| Noninterest income to average assets | 1.1490% | 864 |
| Noninterest expense to average assets | 2.2208% | 4,724 |
| Loan and lease loss provision to assets | 0.0299% | 3,756 |
| Net operating income to assets | 1.0950% | 1,919 |
| Return on assets (ROA) | 1.1408% | 1,824 |
| Pretax return on assets | 1.6453% | 1,156 |
| Return on Equity (ROE) | 16.8516% | 424 |
| Retained earnings to average equity (ytd only) | 5.7093% | 1,877 |
| Net charge-offs to loans | 0.0398% | 3,229 |
| Credit loss provision to net charge-offs | 141.4954% | 1,935 |
| Earnings coverage of net charge-offs (x) | 76.2478% | 741 |
| Efficiency ratio | 57.9887% | 4,854 |
| Assets per employee ($millions) | 7.7595% | 666 |
| Cash dividends to net income (ytd only)* | 66.1201% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 3,390 |
| Loan loss allowance to noncurrent loans | 414.6868% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 4,669 |
| Noncurrent loans to loans | 0.2790% | 4,158 |
| Net loans and leases to total assets | 54.1007% | 4,439 |
| Net loans and leases to deposits | 61.9784% | 4,548 |
| Net loans and leases to core deposits | 70.6764% | 4,187 |
| Total domestic deposits to total assets | 81.5069% | 4,204 |
| Equity capital to assets | 6.6469% | 5,824 |
| Core capital (leverage) ratio | 6.8626% | 5,820 |
| Tier 1 risk-based capital ratio | 12.6138% | 4,316 |
| Total risk-based capital ratio | 13.8639% | 4,207 |
| Memoranda: | ||
| Average total assets | $15,909,106,600 | 91 |
| Average earning assets | $15,011,948,600 | 86 |
| Average equity | $1,076,978,200 | 137 |
| Average total loans | $8,435,599,600 | 101 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1146% | 5,457 |
| Cost of funding earning assets | 0.2719% | 4,364 |
| Net interest margin | 2.8427% | 5,283 |
| Noninterest income to average assets | 1.1578% | 852 |
| Noninterest expense to average assets | 2.2238% | 4,708 |
| Loan and lease loss provision to assets | 0.0127% | 3,996 |
| Net operating income to assets | 1.1039% | 1,981 |
| Return on assets (ROA) | 1.1668% | 1,847 |
| Pretax return on assets | 1.6951% | 1,126 |
| Return on Equity (ROE) | 17.1554% | 431 |
| Retained earnings to average equity (ytd only) | 5.9680% | 2,200 |
| Net charge-offs to loans | 0.0056% | 3,713 |
| Credit loss provision to net charge-offs | 432.2767% | 797 |
| Earnings coverage of net charge-offs (x) | 551.0028% | 163 |
| Efficiency ratio | 57.9070% | 4,826 |
| Assets per employee ($millions) | 7.5468% | 704 |
| Cash dividends to net income (ytd only)* | 65.2122% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 3,319 |
| Loan loss allowance to noncurrent loans | 460.9349% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 4,836 |
| Noncurrent loans to loans | 0.2576% | 4,344 |
| Net loans and leases to total assets | 53.9886% | 4,491 |
| Net loans and leases to deposits | 62.4686% | 4,598 |
| Net loans and leases to core deposits | 71.8075% | 4,176 |
| Total domestic deposits to total assets | 80.7672% | 4,302 |
| Equity capital to assets | 6.8480% | 5,899 |
| Core capital (leverage) ratio | 6.9052% | 5,887 |
| Tier 1 risk-based capital ratio | 12.7762% | 4,290 |
| Total risk-based capital ratio | 14.0267% | 4,203 |
| Memoranda: | ||
| Average total assets | $15,769,976,750 | 90 |
| Average earning assets | $14,881,646,750 | 86 |
| Average equity | $1,072,607,500 | 135 |
| Average total loans | $8,291,428,500 | 101 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1289% | 5,518 |
| Cost of funding earning assets | 0.2742% | 4,400 |
| Net interest margin | 2.8548% | 5,341 |
| Noninterest income to average assets | 1.1535% | 842 |
| Noninterest expense to average assets | 2.2399% | 4,755 |
| Loan and lease loss provision to assets | -0.0128% | 5,772 |
| Net operating income to assets | 1.1098% | 1,924 |
| Return on assets (ROA) | 1.2069% | 1,674 |
| Pretax return on assets | 1.7603% | 959 |
| Return on Equity (ROE) | 17.7856% | 376 |
| Retained earnings to average equity (ytd only) | 6.5082% | 1,872 |
| Net charge-offs to loans | -0.0505% | 5,371 |
| Credit loss provision to net charge-offs | 48.7329% | 2,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2284% | 4,871 |
| Assets per employee ($millions) | 7.4389% | 721 |
| Cash dividends to net income (ytd only)* | 63.4075% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 3,180 |
| Loan loss allowance to noncurrent loans | 446.0218% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 4,879 |
| Noncurrent loans to loans | 0.2762% | 4,378 |
| Net loans and leases to total assets | 52.4458% | 4,631 |
| Net loans and leases to deposits | 60.8426% | 4,744 |
| Net loans and leases to core deposits | 69.6414% | 4,351 |
| Total domestic deposits to total assets | 80.7921% | 4,334 |
| Equity capital to assets | 6.8511% | 5,973 |
| Core capital (leverage) ratio | 6.9232% | 5,957 |
| Tier 1 risk-based capital ratio | 12.9785% | 4,214 |
| Total risk-based capital ratio | 14.2294% | 4,123 |
| Memoranda: | ||
| Average total assets | $15,680,980,330 | 89 |
| Average earning assets | $14,793,594,000 | 87 |
| Average equity | $1,064,073,330 | 136 |
| Average total loans | $8,134,517,000 | 104 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1385% | 5,569 |
| Cost of funding earning assets | 0.2737% | 4,461 |
| Net interest margin | 2.8648% | 5,371 |
| Noninterest income to average assets | 1.1459% | 839 |
| Noninterest expense to average assets | 2.2742% | 4,727 |
| Loan and lease loss provision to assets | -0.0514% | 5,944 |
| Net operating income to assets | 1.0953% | 1,921 |
| Return on assets (ROA) | 1.2919% | 1,360 |
| Pretax return on assets | 1.9117% | 674 |
| Return on Equity (ROE) | 19.1328% | 283 |
| Retained earnings to average equity (ytd only) | 7.7239% | 1,583 |
| Net charge-offs to loans | -0.1903% | 5,838 |
| Credit loss provision to net charge-offs | 52.6732% | 2,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1401% | 4,856 |
| Assets per employee ($millions) | 7.3301% | 763 |
| Cash dividends to net income (ytd only)* | 59.6303% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,931 |
| Loan loss allowance to noncurrent loans | 370.8663% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 4,805 |
| Noncurrent loans to loans | 0.3492% | 4,183 |
| Net loans and leases to total assets | 50.8819% | 4,733 |
| Net loans and leases to deposits | 58.9000% | 4,787 |
| Net loans and leases to core deposits | 67.3709% | 4,443 |
| Total domestic deposits to total assets | 80.9372% | 4,510 |
| Equity capital to assets | 6.8069% | 6,022 |
| Core capital (leverage) ratio | 6.8670% | 6,010 |
| Tier 1 risk-based capital ratio | 13.1192% | 4,181 |
| Total risk-based capital ratio | 14.3707% | 4,104 |
| Memoranda: | ||
| Average total assets | $15,576,733,000 | 90 |
| Average earning assets | $14,677,634,000 | 88 |
| Average equity | $1,051,804,500 | 138 |
| Average total loans | $7,983,129,000 | 104 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0886% | 5,648 |
| Cost of funding earning assets | 0.2665% | 4,626 |
| Net interest margin | 2.8220% | 5,474 |
| Noninterest income to average assets | 1.1375% | 909 |
| Noninterest expense to average assets | 2.3124% | 4,747 |
| Loan and lease loss provision to assets | 0.0066% | 4,265 |
| Net operating income to assets | 1.0154% | 2,280 |
| Return on assets (ROA) | 1.0167% | 2,352 |
| Pretax return on assets | 1.4696% | 1,649 |
| Return on Equity (ROE) | 15.3067% | 642 |
| Retained earnings to average equity (ytd only) | 3.9146% | 3,254 |
| Net charge-offs to loans | 0.0917% | 2,520 |
| Credit loss provision to net charge-offs | 14.6886% | 3,787 |
| Earnings coverage of net charge-offs (x) | 32.9104% | 1,360 |
| Efficiency ratio | 61.0665% | 4,750 |
| Assets per employee ($millions) | 7.1508% | 842 |
| Cash dividends to net income (ytd only)* | 74.4255% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3050% | 2,867 |
| Loan loss allowance to noncurrent loans | 289.3871% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 4,652 |
| Noncurrent loans to loans | 0.4509% | 3,856 |
| Net loans and leases to total assets | 50.2824% | 4,842 |
| Net loans and leases to deposits | 58.4351% | 4,886 |
| Net loans and leases to core deposits | 66.6510% | 4,534 |
| Total domestic deposits to total assets | 80.5851% | 4,589 |
| Equity capital to assets | 6.6972% | 6,082 |
| Core capital (leverage) ratio | 6.8143% | 6,068 |
| Tier 1 risk-based capital ratio | 13.1191% | 4,227 |
| Total risk-based capital ratio | 14.3706% | 4,150 |
| Memoranda: | ||
| Average total assets | $15,197,564,400 | 89 |
| Average earning assets | $14,266,232,400 | 87 |
| Average equity | $1,009,475,000 | 133 |
| Average total loans | $7,421,402,600 | 105 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0740% | 5,734 |
| Cost of funding earning assets | 0.2659% | 4,710 |
| Net interest margin | 2.8081% | 5,564 |
| Noninterest income to average assets | 1.1164% | 967 |
| Noninterest expense to average assets | 2.3138% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9777% | 2,586 |
| Return on assets (ROA) | 0.9800% | 2,650 |
| Pretax return on assets | 1.4398% | 1,864 |
| Return on Equity (ROE) | 14.7849% | 757 |
| Retained earnings to average equity (ytd only) | 3.4830% | 3,989 |
| Net charge-offs to loans | 0.0849% | 2,333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 35.0494% | 1,358 |
| Efficiency ratio | 61.6986% | 4,615 |
| Assets per employee ($millions) | 7.0574% | 848 |
| Cash dividends to net income (ytd only)* | 76.4423% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 2,832 |
| Loan loss allowance to noncurrent loans | 286.6219% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 4,768 |
| Noncurrent loans to loans | 0.4718% | 3,944 |
| Net loans and leases to total assets | 49.9219% | 4,939 |
| Net loans and leases to deposits | 58.3957% | 4,961 |
| Net loans and leases to core deposits | 66.7385% | 4,644 |
| Total domestic deposits to total assets | 80.0747% | 4,733 |
| Equity capital to assets | 6.7302% | 6,169 |
| Core capital (leverage) ratio | 6.7613% | 6,155 |
| Tier 1 risk-based capital ratio | 13.2955% | 4,257 |
| Total risk-based capital ratio | 14.5477% | 4,181 |
| Memoranda: | ||
| Average total assets | $15,128,348,000 | 91 |
| Average earning assets | $14,189,294,750 | 87 |
| Average equity | $1,002,755,000 | 136 |
| Average total loans | $7,305,804,750 | 108 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0729% | 5,771 |
| Cost of funding earning assets | 0.2657% | 4,764 |
| Net interest margin | 2.8071% | 5,604 |
| Noninterest income to average assets | 1.1094% | 985 |
| Noninterest expense to average assets | 2.2424% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0096% | 2,341 |
| Return on assets (ROA) | 1.0122% | 2,442 |
| Pretax return on assets | 1.5046% | 1,640 |
| Return on Equity (ROE) | 15.3496% | 686 |
| Retained earnings to average equity (ytd only) | 4.3051% | 3,285 |
| Net charge-offs to loans | 0.0747% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 42.2603% | 1,092 |
| Efficiency ratio | 59.9051% | 4,995 |
| Assets per employee ($millions) | 7.0680% | 813 |
| Cash dividends to net income (ytd only)* | 71.9528% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 2,646 |
| Loan loss allowance to noncurrent loans | 285.6304% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 4,850 |
| Noncurrent loans to loans | 0.4984% | 3,969 |
| Net loans and leases to total assets | 47.9510% | 5,109 |
| Net loans and leases to deposits | 55.8292% | 5,129 |
| Net loans and leases to core deposits | 63.6971% | 4,832 |
| Total domestic deposits to total assets | 80.4560% | 4,760 |
| Equity capital to assets | 6.5922% | 6,238 |
| Core capital (leverage) ratio | 6.8000% | 6,211 |
| Tier 1 risk-based capital ratio | 13.6417% | 4,136 |
| Total risk-based capital ratio | 14.8947% | 4,063 |
| Memoranda: | ||
| Average total assets | $15,103,916,000 | 93 |
| Average earning assets | $14,171,392,000 | 90 |
| Average equity | $995,973,670 | 138 |
| Average total loans | $7,176,741,670 | 111 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0761% | 5,811 |
| Cost of funding earning assets | 0.2662% | 4,838 |
| Net interest margin | 2.8098% | 5,619 |
| Noninterest income to average assets | 1.0665% | 991 |
| Noninterest expense to average assets | 2.2961% | 4,895 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9233% | 2,637 |
| Return on assets (ROA) | 0.9255% | 2,750 |
| Pretax return on assets | 1.4080% | 1,863 |
| Return on Equity (ROE) | 14.0326% | 872 |
| Retained earnings to average equity (ytd only) | 3.9250% | 3,644 |
| Net charge-offs to loans | 0.0697% | 2,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 42.9315% | 936 |
| Efficiency ratio | 62.0447% | 4,790 |
| Assets per employee ($millions) | 7.0362% | 838 |
| Cash dividends to net income (ytd only)* | 72.0295% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4966% | 2,457 |
| Loan loss allowance to noncurrent loans | 310.2581% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 4,972 |
| Noncurrent loans to loans | 0.4824% | 4,128 |
| Net loans and leases to total assets | 46.6254% | 5,153 |
| Net loans and leases to deposits | 54.2748% | 5,173 |
| Net loans and leases to core deposits | 62.7233% | 4,801 |
| Total domestic deposits to total assets | 80.2924% | 4,995 |
| Equity capital to assets | 6.6116% | 6,298 |
| Core capital (leverage) ratio | 6.7596% | 6,259 |
| Tier 1 risk-based capital ratio | 13.8138% | 4,141 |
| Total risk-based capital ratio | 15.0676% | 4,060 |
| Memoranda: | ||
| Average total assets | $15,001,274,000 | 93 |
| Average earning assets | $14,063,536,000 | 90 |
| Average equity | $989,351,000 | 140 |
| Average total loans | $7,041,652,000 | 111 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1388% | 5,912 |
| Cost of funding earning assets | 0.2792% | 5,009 |
| Net interest margin | 2.8596% | 5,716 |
| Noninterest income to average assets | 1.1261% | 960 |
| Noninterest expense to average assets | 2.2408% | 5,262 |
| Loan and lease loss provision to assets | -0.0335% | 5,982 |
| Net operating income to assets | 1.0863% | 2,025 |
| Return on assets (ROA) | 1.0875% | 2,074 |
| Pretax return on assets | 1.5970% | 1,244 |
| Return on Equity (ROE) | 16.4067% | 566 |
| Retained earnings to average equity (ytd only) | 2.2862% | 4,610 |
| Net charge-offs to loans | 0.0295% | 4,234 |
| Credit loss provision to net charge-offs | -255.7308% | 5,678 |
| Earnings coverage of net charge-offs (x) | 119.3165% | 444 |
| Efficiency ratio | 58.9283% | 5,357 |
| Assets per employee ($millions) | 6.8637% | 900 |
| Cash dividends to net income (ytd only)* | 86.0656% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 2,179 |
| Loan loss allowance to noncurrent loans | 298.3229% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 4,980 |
| Noncurrent loans to loans | 0.5278% | 4,088 |
| Net loans and leases to total assets | 45.8052% | 5,339 |
| Net loans and leases to deposits | 53.4867% | 5,370 |
| Net loans and leases to core deposits | 62.5427% | 4,959 |
| Total domestic deposits to total assets | 80.0706% | 4,997 |
| Equity capital to assets | 6.5783% | 6,371 |
| Core capital (leverage) ratio | 6.6858% | 6,347 |
| Tier 1 risk-based capital ratio | 13.7838% | 4,244 |
| Total risk-based capital ratio | 15.0384% | 4,175 |
| Memoranda: | ||
| Average total assets | $14,530,774,600 | 92 |
| Average earning assets | $13,600,435,800 | 87 |
| Average equity | $963,135,600 | 136 |
| Average total loans | $6,451,120,600 | 114 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1359% | 5,974 |
| Cost of funding earning assets | 0.2803% | 5,091 |
| Net interest margin | 2.8557% | 5,786 |
| Noninterest income to average assets | 1.1245% | 957 |
| Noninterest expense to average assets | 2.2544% | 5,215 |
| Loan and lease loss provision to assets | -0.0449% | 6,169 |
| Net operating income to assets | 1.0886% | 2,078 |
| Return on assets (ROA) | 1.0902% | 2,142 |
| Pretax return on assets | 1.5901% | 1,356 |
| Return on Equity (ROE) | 16.4167% | 627 |
| Retained earnings to average equity (ytd only) | 1.6947% | 5,201 |
| Net charge-offs to loans | 0.0048% | 4,537 |
| Credit loss provision to net charge-offs | -2,133.3333% | 5,968 |
| Earnings coverage of net charge-offs (x) | 733.7076% | 101 |
| Efficiency ratio | 59.3677% | 5,267 |
| Assets per employee ($millions) | 6.7056% | 910 |
| Cash dividends to net income (ytd only)* | 89.6770% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6699% | 2,069 |
| Loan loss allowance to noncurrent loans | 284.0940% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2914% | 5,107 |
| Noncurrent loans to loans | 0.5878% | 4,162 |
| Net loans and leases to total assets | 44.6590% | 5,481 |
| Net loans and leases to deposits | 52.2608% | 5,519 |
| Net loans and leases to core deposits | 60.8809% | 5,124 |
| Total domestic deposits to total assets | 80.2047% | 5,047 |
| Equity capital to assets | 6.6966% | 6,420 |
| Core capital (leverage) ratio | 6.7120% | 6,419 |
| Tier 1 risk-based capital ratio | 14.3118% | 4,020 |
| Total risk-based capital ratio | 15.5677% | 3,939 |
| Memoranda: | ||
| Average total assets | $14,455,353,500 | 92 |
| Average earning assets | $13,530,300,750 | 88 |
| Average equity | $959,989,000 | 137 |
| Average total loans | $6,338,219,750 | 114 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1253% | 6,035 |
| Cost of funding earning assets | 0.2800% | 5,185 |
| Net interest margin | 2.8453% | 5,824 |
| Noninterest income to average assets | 1.1208% | 942 |
| Noninterest expense to average assets | 2.2690% | 5,233 |
| Loan and lease loss provision to assets | -0.0305% | 6,263 |
| Net operating income to assets | 1.0728% | 2,031 |
| Return on assets (ROA) | 1.0752% | 2,099 |
| Pretax return on assets | 1.5488% | 1,396 |
| Return on Equity (ROE) | 16.2362% | 636 |
| Retained earnings to average equity (ytd only) | 2.4167% | 4,671 |
| Net charge-offs to loans | -0.0187% | 5,521 |
| Credit loss provision to net charge-offs | 377.1870% | 727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9664% | 5,301 |
| Assets per employee ($millions) | 6.7720% | 890 |
| Cash dividends to net income (ytd only)* | 85.1152% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7704% | 1,920 |
| Loan loss allowance to noncurrent loans | 283.8074% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 5,178 |
| Noncurrent loans to loans | 0.6238% | 4,154 |
| Net loans and leases to total assets | 42.5109% | 5,644 |
| Net loans and leases to deposits | 49.5858% | 5,664 |
| Net loans and leases to core deposits | 57.8347% | 5,284 |
| Total domestic deposits to total assets | 80.6928% | 5,070 |
| Equity capital to assets | 6.5376% | 6,493 |
| Core capital (leverage) ratio | 6.7506% | 6,469 |
| Tier 1 risk-based capital ratio | 14.6775% | 3,825 |
| Total risk-based capital ratio | 15.9346% | 3,770 |
| Memoranda: | ||
| Average total assets | $14,423,439,670 | 90 |
| Average earning assets | $13,499,202,330 | 87 |
| Average equity | $955,176,000 | 137 |
| Average total loans | $6,248,049,000 | 116 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1618% | 6,052 |
| Cost of funding earning assets | 0.2826% | 5,252 |
| Net interest margin | 2.8793% | 5,794 |
| Noninterest income to average assets | 1.1318% | 868 |
| Noninterest expense to average assets | 2.3358% | 5,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0466% | 2,018 |
| Return on assets (ROA) | 1.0503% | 2,074 |
| Pretax return on assets | 1.4933% | 1,446 |
| Return on Equity (ROE) | 15.7543% | 670 |
| Retained earnings to average equity (ytd only) | 1.8169% | 4,879 |
| Net charge-offs to loans | 0.0863% | 2,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 39.7944% | 880 |
| Efficiency ratio | 61.0864% | 5,256 |
| Assets per employee ($millions) | 6.5598% | 991 |
| Cash dividends to net income (ytd only)* | 88.4671% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8371% | 1,937 |
| Loan loss allowance to noncurrent loans | 263.4974% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 5,167 |
| Noncurrent loans to loans | 0.6972% | 4,123 |
| Net loans and leases to total assets | 42.6238% | 5,615 |
| Net loans and leases to deposits | 50.3610% | 5,571 |
| Net loans and leases to core deposits | 59.0263% | 5,124 |
| Total domestic deposits to total assets | 79.3895% | 5,613 |
| Equity capital to assets | 6.6643% | 6,504 |
| Core capital (leverage) ratio | 6.7932% | 6,508 |
| Tier 1 risk-based capital ratio | 15.0113% | 3,707 |
| Total risk-based capital ratio | 16.2692% | 3,649 |
| Memoranda: | ||
| Average total assets | $14,206,249,500 | 89 |
| Average earning assets | $13,282,414,500 | 86 |
| Average equity | $947,094,500 | 137 |
| Average total loans | $6,157,058,000 | 118 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1707% | 6,170 |
| Cost of funding earning assets | 0.3070% | 5,543 |
| Net interest margin | 2.8638% | 5,875 |
| Noninterest income to average assets | 1.2780% | 847 |
| Noninterest expense to average assets | 2.3796% | 5,130 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0955% | 1,952 |
| Return on assets (ROA) | 1.0955% | 2,022 |
| Pretax return on assets | 1.5725% | 1,241 |
| Return on Equity (ROE) | 15.9557% | 625 |
| Retained earnings to average equity (ytd only) | 1.9338% | 4,859 |
| Net charge-offs to loans | 0.2257% | 2,652 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 16.2085% | 1,817 |
| Efficiency ratio | 60.2051% | 5,441 |
| Assets per employee ($millions) | 6.4233% | 1,023 |
| Cash dividends to net income (ytd only)* | 87.8804% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8921% | 1,797 |
| Loan loss allowance to noncurrent loans | 249.4738% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3508% | 5,212 |
| Noncurrent loans to loans | 0.7584% | 4,073 |
| Net loans and leases to total assets | 42.4399% | 5,799 |
| Net loans and leases to deposits | 49.9699% | 5,772 |
| Net loans and leases to core deposits | 57.5085% | 5,426 |
| Total domestic deposits to total assets | 79.9233% | 5,460 |
| Equity capital to assets | 6.6692% | 6,536 |
| Core capital (leverage) ratio | 6.8327% | 6,555 |
| Tier 1 risk-based capital ratio | 15.1553% | 3,576 |
| Total risk-based capital ratio | 16.4139% | 3,515 |
| Memoranda: | ||
| Average total assets | $13,815,161,000 | 86 |
| Average earning assets | $12,900,290,200 | 83 |
| Average equity | $948,514,200 | 131 |
| Average total loans | $5,939,053,800 | 118 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1696% | 6,241 |
| Cost of funding earning assets | 0.3118% | 5,629 |
| Net interest margin | 2.8577% | 5,902 |
| Noninterest income to average assets | 1.2941% | 884 |
| Noninterest expense to average assets | 2.3976% | 5,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0854% | 2,065 |
| Return on assets (ROA) | 1.0854% | 2,146 |
| Pretax return on assets | 1.5646% | 1,429 |
| Return on Equity (ROE) | 15.6936% | 683 |
| Retained earnings to average equity (ytd only) | 0.9643% | 5,594 |
| Net charge-offs to loans | 0.1170% | 3,378 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 31.1505% | 1,203 |
| Efficiency ratio | 60.5042% | 5,356 |
| Assets per employee ($millions) | 6.3015% | 1,042 |
| Cash dividends to net income (ytd only)* | 93.8556% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0526% | 1,604 |
| Loan loss allowance to noncurrent loans | 293.1153% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 5,430 |
| Noncurrent loans to loans | 0.7003% | 4,450 |
| Net loans and leases to total assets | 42.4743% | 5,860 |
| Net loans and leases to deposits | 50.5837% | 5,795 |
| Net loans and leases to core deposits | 57.8551% | 5,462 |
| Total domestic deposits to total assets | 79.1549% | 5,715 |
| Equity capital to assets | 6.6648% | 6,616 |
| Core capital (leverage) ratio | 6.7861% | 6,630 |
| Tier 1 risk-based capital ratio | 15.2059% | 3,625 |
| Total risk-based capital ratio | 16.4666% | 3,573 |
| Memoranda: | ||
| Average total assets | $13,742,569,250 | 86 |
| Average earning assets | $12,830,689,000 | 84 |
| Average equity | $950,460,500 | 132 |
| Average total loans | $5,898,361,750 | 116 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1582% | 6,278 |
| Cost of funding earning assets | 0.3180% | 5,685 |
| Net interest margin | 2.8402% | 5,925 |
| Noninterest income to average assets | 1.3266% | 880 |
| Noninterest expense to average assets | 2.4048% | 5,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,787 |
| Net operating income to assets | 1.0804% | 1,995 |
| Return on assets (ROA) | 1.0804% | 2,109 |
| Pretax return on assets | 1.5733% | 1,437 |
| Return on Equity (ROE) | 15.4311% | 745 |
| Retained earnings to average equity (ytd only) | 0.6178% | 5,653 |
| Net charge-offs to loans | 0.1463% | 2,937 |
| Credit loss provision to net charge-offs | 0.0233% | 4,002 |
| Earnings coverage of net charge-offs (x) | 25.1471% | 1,271 |
| Efficiency ratio | 60.4421% | 5,409 |
| Assets per employee ($millions) | 6.1811% | 1,085 |
| Cash dividends to net income (ytd only)* | 95.9965% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 1,598 |
| Loan loss allowance to noncurrent loans | 284.6258% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 5,460 |
| Noncurrent loans to loans | 0.7437% | 4,438 |
| Net loans and leases to total assets | 41.8478% | 5,906 |
| Net loans and leases to deposits | 50.0845% | 5,836 |
| Net loans and leases to core deposits | 57.8618% | 5,434 |
| Total domestic deposits to total assets | 78.6860% | 5,856 |
| Equity capital to assets | 6.7380% | 6,645 |
| Core capital (leverage) ratio | 6.9642% | 6,621 |
| Tier 1 risk-based capital ratio | 15.6783% | 3,378 |
| Total risk-based capital ratio | 16.9396% | 3,319 |
| Memoranda: | ||
| Average total assets | $13,691,795,000 | 86 |
| Average earning assets | $12,781,854,670 | 84 |
| Average equity | $958,594,000 | 131 |
| Average total loans | $5,856,003,330 | 116 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1824% | 6,311 |
| Cost of funding earning assets | 0.3240% | 5,771 |
| Net interest margin | 2.8584% | 5,893 |
| Noninterest income to average assets | 1.3352% | 862 |
| Noninterest expense to average assets | 2.4525% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0582% | 2,003 |
| Return on assets (ROA) | 1.0582% | 2,121 |
| Pretax return on assets | 1.5477% | 1,430 |
| Return on Equity (ROE) | 14.8332% | 801 |
| Retained earnings to average equity (ytd only) | 0.4615% | 5,640 |
| Net charge-offs to loans | 0.1355% | 2,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 26.6973% | 1,021 |
| Efficiency ratio | 61.3011% | 5,406 |
| Assets per employee ($millions) | 5.9682% | 1,274 |
| Cash dividends to net income (ytd only)* | 96.8885% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1849% | 1,616 |
| Loan loss allowance to noncurrent loans | 271.6466% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 5,481 |
| Noncurrent loans to loans | 0.8043% | 4,516 |
| Net loans and leases to total assets | 41.9448% | 5,849 |
| Net loans and leases to deposits | 50.2698% | 5,769 |
| Net loans and leases to core deposits | 57.9428% | 5,347 |
| Total domestic deposits to total assets | 78.6491% | 6,026 |
| Equity capital to assets | 7.1681% | 6,681 |
| Core capital (leverage) ratio | 7.0066% | 6,641 |
| Tier 1 risk-based capital ratio | 16.4345% | 3,044 |
| Total risk-based capital ratio | 17.6974% | 2,988 |
| Memoranda: | ||
| Average total assets | $13,655,060,000 | 88 |
| Average earning assets | $12,730,720,000 | 85 |
| Average equity | $974,141,500 | 133 |
| Average total loans | $5,841,489,000 | 117 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3609% | 6,530 |
| Cost of funding earning assets | 0.3374% | 6,281 |
| Net interest margin | 3.0235% | 5,992 |
| Noninterest income to average assets | 1.3856% | 815 |
| Noninterest expense to average assets | 2.4222% | 5,349 |
| Loan and lease loss provision to assets | 0.0071% | 5,834 |
| Net operating income to assets | 1.2099% | 1,569 |
| Return on assets (ROA) | 1.2095% | 1,736 |
| Pretax return on assets | 1.7773% | 962 |
| Return on Equity (ROE) | 17.5474% | 479 |
| Retained earnings to average equity (ytd only) | 5.1951% | 2,580 |
| Net charge-offs to loans | 0.1880% | 3,872 |
| Credit loss provision to net charge-offs | 9.1257% | 5,405 |
| Earnings coverage of net charge-offs (x) | 22.8646% | 1,240 |
| Efficiency ratio | 57.5634% | 5,889 |
| Assets per employee ($millions) | 6.0493% | 1,250 |
| Cash dividends to net income (ytd only)* | 70.3937% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1929% | 1,562 |
| Loan loss allowance to noncurrent loans | 295.5097% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 5,648 |
| Noncurrent loans to loans | 0.7421% | 4,695 |
| Net loans and leases to total assets | 41.7419% | 6,030 |
| Net loans and leases to deposits | 49.6906% | 5,976 |
| Net loans and leases to core deposits | 58.7587% | 5,475 |
| Total domestic deposits to total assets | 79.0010% | 5,891 |
| Equity capital to assets | 7.1003% | 6,754 |
| Core capital (leverage) ratio | 7.0342% | 6,691 |
| Tier 1 risk-based capital ratio | 16.6806% | 2,800 |
| Total risk-based capital ratio | 17.9445% | 2,768 |
| Memoranda: | ||
| Average total assets | $13,741,671,200 | 84 |
| Average earning assets | $12,824,005,600 | 80 |
| Average equity | $947,194,600 | 133 |
| Average total loans | $5,707,444,600 | 115 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4042% | 6,625 |
| Cost of funding earning assets | 0.3418% | 6,415 |
| Net interest margin | 3.0624% | 6,036 |
| Noninterest income to average assets | 1.3639% | 801 |
| Noninterest expense to average assets | 2.4247% | 5,325 |
| Loan and lease loss provision to assets | 0.0095% | 5,691 |
| Net operating income to assets | 1.2236% | 1,658 |
| Return on assets (ROA) | 1.2231% | 1,834 |
| Pretax return on assets | 1.7891% | 1,076 |
| Return on Equity (ROE) | 17.8786% | 515 |
| Retained earnings to average equity (ytd only) | 4.8237% | 3,492 |
| Net charge-offs to loans | 0.2027% | 3,518 |
| Credit loss provision to net charge-offs | 11.3652% | 5,061 |
| Earnings coverage of net charge-offs (x) | 21.5186% | 1,403 |
| Efficiency ratio | 57.3936% | 5,871 |
| Assets per employee ($millions) | 5.8133% | 1,365 |
| Cash dividends to net income (ytd only)* | 73.0199% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2549% | 1,605 |
| Loan loss allowance to noncurrent loans | 293.0459% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 5,800 |
| Noncurrent loans to loans | 0.7695% | 4,872 |
| Net loans and leases to total assets | 42.3881% | 6,091 |
| Net loans and leases to deposits | 50.4025% | 6,082 |
| Net loans and leases to core deposits | 60.7159% | 5,484 |
| Total domestic deposits to total assets | 78.7624% | 5,925 |
| Equity capital to assets | 7.2698% | 6,829 |
| Core capital (leverage) ratio | 6.9259% | 6,813 |
| Tier 1 risk-based capital ratio | 16.5453% | 2,970 |
| Total risk-based capital ratio | 17.8098% | 2,934 |
| Memoranda: | ||
| Average total assets | $13,735,023,250 | 84 |
| Average earning assets | $12,827,927,000 | 80 |
| Average equity | $939,595,750 | 134 |
| Average total loans | $5,665,307,250 | 116 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4100% | 6,717 |
| Cost of funding earning assets | 0.3443% | 6,532 |
| Net interest margin | 3.0657% | 6,085 |
| Noninterest income to average assets | 1.3032% | 835 |
| Noninterest expense to average assets | 2.3824% | 5,518 |
| Loan and lease loss provision to assets | 0.0141% | 5,484 |
| Net operating income to assets | 1.2249% | 1,624 |
| Return on assets (ROA) | 1.2240% | 1,823 |
| Pretax return on assets | 1.7727% | 1,089 |
| Return on Equity (ROE) | 18.2613% | 477 |
| Retained earnings to average equity (ytd only) | 0.5932% | 5,828 |
| Net charge-offs to loans | 0.2543% | 3,055 |
| Credit loss provision to net charge-offs | 13.7076% | 4,694 |
| Earnings coverage of net charge-offs (x) | 17.3367% | 1,535 |
| Efficiency ratio | 57.1152% | 5,981 |
| Assets per employee ($millions) | 6.0194% | 1,215 |
| Cash dividends to net income (ytd only)* | 96.7517% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3294% | 1,534 |
| Loan loss allowance to noncurrent loans | 287.3386% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 5,898 |
| Noncurrent loans to loans | 0.8107% | 4,888 |
| Net loans and leases to total assets | 39.9035% | 6,349 |
| Net loans and leases to deposits | 47.8218% | 6,323 |
| Net loans and leases to core deposits | 58.2761% | 5,755 |
| Total domestic deposits to total assets | 78.4045% | 6,079 |
| Equity capital to assets | 6.6870% | 6,956 |
| Core capital (leverage) ratio | 6.5632% | 6,913 |
| Tier 1 risk-based capital ratio | 16.4764% | 2,932 |
| Total risk-based capital ratio | 17.7422% | 2,883 |
| Memoranda: | ||
| Average total assets | $13,848,746,000 | 84 |
| Average earning assets | $12,953,050,670 | 79 |
| Average equity | $928,227,670 | 134 |
| Average total loans | $5,617,618,000 | 114 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4717% | 6,728 |
| Cost of funding earning assets | 0.3502% | 6,634 |
| Net interest margin | 3.1214% | 5,979 |
| Noninterest income to average assets | 1.2973% | 850 |
| Noninterest expense to average assets | 2.4262% | 5,386 |
| Loan and lease loss provision to assets | 0.0102% | 5,171 |
| Net operating income to assets | 1.2720% | 1,531 |
| Return on assets (ROA) | 1.2701% | 1,708 |
| Pretax return on assets | 1.7758% | 1,132 |
| Return on Equity (ROE) | 18.9272% | 458 |
| Retained earnings to average equity (ytd only) | 2.0992% | 5,222 |
| Net charge-offs to loans | 0.2401% | 2,734 |
| Credit loss provision to net charge-offs | 10.4745% | 3,896 |
| Earnings coverage of net charge-offs (x) | 18.4336% | 1,266 |
| Efficiency ratio | 57.5558% | 5,968 |
| Assets per employee ($millions) | 5.9365% | 1,321 |
| Cash dividends to net income (ytd only)* | 88.9092% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4174% | 1,473 |
| Loan loss allowance to noncurrent loans | 282.7540% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 5,944 |
| Noncurrent loans to loans | 0.8549% | 4,960 |
| Net loans and leases to total assets | 39.7804% | 6,363 |
| Net loans and leases to deposits | 51.4827% | 6,030 |
| Net loans and leases to core deposits | 59.1310% | 5,616 |
| Total domestic deposits to total assets | 72.2018% | 6,866 |
| Equity capital to assets | 6.7393% | 6,971 |
| Core capital (leverage) ratio | 6.6276% | 6,947 |
| Tier 1 risk-based capital ratio | 16.7388% | 2,787 |
| Total risk-based capital ratio | 18.0057% | 2,739 |
| Memoranda: | ||
| Average total assets | $13,814,636,500 | 83 |
| Average earning assets | $12,912,104,000 | 79 |
| Average equity | $927,026,500 | 131 |
| Average total loans | $5,583,524,000 | 116 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 6,909 |
| Cost of funding earning assets | 0.4006% | 6,886 |
| Net interest margin | 3.2339% | 5,998 |
| Noninterest income to average assets | 1.3737% | 678 |
| Noninterest expense to average assets | 2.6166% | 5,031 |
| Loan and lease loss provision to assets | 0.0954% | 5,403 |
| Net operating income to assets | 1.1686% | 1,610 |
| Return on assets (ROA) | 1.2021% | 1,615 |
| Pretax return on assets | 1.7198% | 949 |
| Return on Equity (ROE) | 17.4900% | 426 |
| Retained earnings to average equity (ytd only) | 1.2778% | 5,256 |
| Net charge-offs to loans | 0.3974% | 3,427 |
| Credit loss provision to net charge-offs | 59.1829% | 5,186 |
| Earnings coverage of net charge-offs (x) | 10.9652% | 1,774 |
| Efficiency ratio | 59.6734% | 5,807 |
| Assets per employee ($millions) | 5.8517% | 1,329 |
| Cash dividends to net income (ytd only)* | 92.6942% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4941% | 1,323 |
| Loan loss allowance to noncurrent loans | 295.0947% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 6,077 |
| Noncurrent loans to loans | 0.8452% | 4,997 |
| Net loans and leases to total assets | 39.0723% | 6,594 |
| Net loans and leases to deposits | 51.1207% | 6,281 |
| Net loans and leases to core deposits | 59.0876% | 5,926 |
| Total domestic deposits to total assets | 71.4945% | 6,899 |
| Equity capital to assets | 6.6818% | 7,026 |
| Core capital (leverage) ratio | 6.3178% | 7,012 |
| Tier 1 risk-based capital ratio | 15.5598% | 3,289 |
| Total risk-based capital ratio | 16.8273% | 3,235 |
| Memoranda: | ||
| Average total assets | $13,303,086,200 | 84 |
| Average earning assets | $12,383,150,600 | 80 |
| Average equity | $914,316,800 | 129 |
| Average total loans | $5,396,010,600 | 117 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6941% | 6,940 |
| Cost of funding earning assets | 0.4135% | 6,985 |
| Net interest margin | 3.2805% | 5,916 |
| Noninterest income to average assets | 1.4439% | 634 |
| Noninterest expense to average assets | 2.6731% | 4,829 |
| Loan and lease loss provision to assets | 0.1061% | 5,113 |
| Net operating income to assets | 1.1811% | 1,709 |
| Return on assets (ROA) | 1.2236% | 1,699 |
| Pretax return on assets | 1.7760% | 999 |
| Return on Equity (ROE) | 17.6736% | 490 |
| Retained earnings to average equity (ytd only) | 2.2761% | 4,986 |
| Net charge-offs to loans | 0.3590% | 3,298 |
| Credit loss provision to net charge-offs | 72.6195% | 4,394 |
| Earnings coverage of net charge-offs (x) | 12.4633% | 1,707 |
| Efficiency ratio | 59.4738% | 5,796 |
| Assets per employee ($millions) | 5.5973% | 1,504 |
| Cash dividends to net income (ytd only)* | 87.1212% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6749% | 1,158 |
| Loan loss allowance to noncurrent loans | 316.6902% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 6,165 |
| Noncurrent loans to loans | 0.8446% | 5,181 |
| Net loans and leases to total assets | 39.1527% | 6,701 |
| Net loans and leases to deposits | 52.0767% | 6,359 |
| Net loans and leases to core deposits | 59.0617% | 6,053 |
| Total domestic deposits to total assets | 70.0439% | 7,039 |
| Equity capital to assets | 7.0381% | 7,048 |
| Core capital (leverage) ratio | 6.4886% | 7,075 |
| Tier 1 risk-based capital ratio | 16.3304% | 2,952 |
| Total risk-based capital ratio | 17.6002% | 2,909 |
| Memoranda: | ||
| Average total assets | $13,161,727,750 | 85 |
| Average earning assets | $12,235,512,000 | 82 |
| Average equity | $911,227,750 | 129 |
| Average total loans | $5,355,673,000 | 117 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7286% | 6,991 |
| Cost of funding earning assets | 0.4175% | 7,089 |
| Net interest margin | 3.3111% | 5,823 |
| Noninterest income to average assets | 1.4262% | 624 |
| Noninterest expense to average assets | 2.7367% | 4,671 |
| Loan and lease loss provision to assets | 0.1265% | 4,710 |
| Net operating income to assets | 1.1230% | 1,813 |
| Return on assets (ROA) | 1.1862% | 1,709 |
| Pretax return on assets | 1.7362% | 981 |
| Return on Equity (ROE) | 17.2297% | 531 |
| Retained earnings to average equity (ytd only) | 1.7136% | 5,138 |
| Net charge-offs to loans | 0.3987% | 2,966 |
| Credit loss provision to net charge-offs | 77.6820% | 3,840 |
| Earnings coverage of net charge-offs (x) | 10.8671% | 1,761 |
| Efficiency ratio | 60.7117% | 5,772 |
| Assets per employee ($millions) | 5.4843% | 1,582 |
| Cash dividends to net income (ytd only)* | 90.0544% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7024% | 1,179 |
| Loan loss allowance to noncurrent loans | 368.5393% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.3179% | 6,335 |
| Noncurrent loans to loans | 0.7333% | 5,444 |
| Net loans and leases to total assets | 39.5740% | 6,778 |
| Net loans and leases to deposits | 52.2782% | 6,446 |
| Net loans and leases to core deposits | 58.4897% | 6,233 |
| Total domestic deposits to total assets | 70.7211% | 7,074 |
| Equity capital to assets | 6.9044% | 7,121 |
| Core capital (leverage) ratio | 6.4903% | 7,127 |
| Tier 1 risk-based capital ratio | 16.4488% | 2,770 |
| Total risk-based capital ratio | 17.7196% | 2,721 |
| Memoranda: | ||
| Average total assets | $13,106,616,330 | 85 |
| Average earning assets | $12,193,532,330 | 84 |
| Average equity | $902,314,000 | 130 |
| Average total loans | $5,353,792,000 | 118 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7725% | 6,984 |
| Cost of funding earning assets | 0.4195% | 7,184 |
| Net interest margin | 3.3531% | 5,598 |
| Noninterest income to average assets | 1.4010% | 662 |
| Noninterest expense to average assets | 2.6189% | 5,157 |
| Loan and lease loss provision to assets | 0.1436% | 4,211 |
| Net operating income to assets | 1.1765% | 1,581 |
| Return on assets (ROA) | 1.3013% | 1,304 |
| Pretax return on assets | 1.9497% | 606 |
| Return on Equity (ROE) | 18.9304% | 403 |
| Retained earnings to average equity (ytd only) | 5.5689% | 2,870 |
| Net charge-offs to loans | 0.3508% | 2,659 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 13.2780% | 1,447 |
| Efficiency ratio | 57.8497% | 6,286 |
| Assets per employee ($millions) | 5.4560% | 1,611 |
| Cash dividends to net income (ytd only)* | 70.5823% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7579% | 1,149 |
| Loan loss allowance to noncurrent loans | 328.2062% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 6,288 |
| Noncurrent loans to loans | 0.8403% | 5,359 |
| Net loans and leases to total assets | 39.9963% | 6,779 |
| Net loans and leases to deposits | 52.3886% | 6,446 |
| Net loans and leases to core deposits | 58.6680% | 6,201 |
| Total domestic deposits to total assets | 71.0773% | 7,131 |
| Equity capital to assets | 6.8905% | 7,124 |
| Core capital (leverage) ratio | 6.5146% | 7,166 |
| Tier 1 risk-based capital ratio | 16.7248% | 2,576 |
| Total risk-based capital ratio | 17.9966% | 2,539 |
| Memoranda: | ||
| Average total assets | $13,064,997,000 | 87 |
| Average earning assets | $12,175,936,000 | 84 |
| Average equity | $898,134,000 | 131 |
| Average total loans | $5,348,322,500 | 118 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 7,075 |
| Cost of funding earning assets | 0.5025% | 7,295 |
| Net interest margin | 3.5648% | 4,980 |
| Noninterest income to average assets | 1.5962% | 572 |
| Noninterest expense to average assets | 2.7233% | 4,883 |
| Loan and lease loss provision to assets | 0.4355% | 3,510 |
| Net operating income to assets | 1.2167% | 1,376 |
| Return on assets (ROA) | 1.4529% | 918 |
| Pretax return on assets | 2.0688% | 417 |
| Return on Equity (ROE) | 21.0043% | 203 |
| Retained earnings to average equity (ytd only) | 8.4786% | 846 |
| Net charge-offs to loans | 0.9367% | 2,310 |
| Credit loss provision to net charge-offs | 107.1723% | 4,143 |
| Earnings coverage of net charge-offs (x) | 5.3320% | 2,655 |
| Efficiency ratio | 55.6779% | 6,633 |
| Assets per employee ($millions) | 5.4770% | 1,604 |
| Cash dividends to net income (ytd only)* | 59.6339% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7526% | 1,109 |
| Loan loss allowance to noncurrent loans | 311.4667% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 6,333 |
| Noncurrent loans to loans | 0.8837% | 5,295 |
| Net loans and leases to total assets | 39.6226% | 6,984 |
| Net loans and leases to deposits | 52.6167% | 6,703 |
| Net loans and leases to core deposits | 59.2497% | 6,453 |
| Total domestic deposits to total assets | 69.7784% | 7,246 |
| Equity capital to assets | 6.8584% | 7,156 |
| Core capital (leverage) ratio | 6.4592% | 7,205 |
| Tier 1 risk-based capital ratio | 16.4170% | 2,558 |
| Total risk-based capital ratio | 17.6888% | 2,520 |
| Memoranda: | ||
| Average total assets | $12,694,506,800 | 88 |
| Average earning assets | $11,729,521,400 | 85 |
| Average equity | $878,115,800 | 127 |
| Average total loans | $5,507,263,600 | 114 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1974% | 7,091 |
| Cost of funding earning assets | 0.5277% | 7,404 |
| Net interest margin | 3.6697% | 4,541 |
| Noninterest income to average assets | 1.6209% | 534 |
| Noninterest expense to average assets | 2.7146% | 4,817 |
| Loan and lease loss provision to assets | 0.5299% | 2,814 |
| Net operating income to assets | 1.2100% | 1,568 |
| Return on assets (ROA) | 1.5233% | 959 |
| Pretax return on assets | 2.2100% | 401 |
| Return on Equity (ROE) | 21.9731% | 198 |
| Retained earnings to average equity (ytd only) | 10.5118% | 684 |
| Net charge-offs to loans | 1.1134% | 1,828 |
| Credit loss provision to net charge-offs | 107.9898% | 3,946 |
| Earnings coverage of net charge-offs (x) | 4.6586% | 2,958 |
| Efficiency ratio | 54.2749% | 6,766 |
| Assets per employee ($millions) | 5.2282% | 1,898 |
| Cash dividends to net income (ytd only)* | 52.1608% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7642% | 1,028 |
| Loan loss allowance to noncurrent loans | 295.8521% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.4389% | 6,331 |
| Noncurrent loans to loans | 0.9343% | 5,362 |
| Net loans and leases to total assets | 40.8341% | 7,034 |
| Net loans and leases to deposits | 53.9569% | 6,775 |
| Net loans and leases to core deposits | 60.7288% | 6,560 |
| Total domestic deposits to total assets | 70.2965% | 7,259 |
| Equity capital to assets | 7.3611% | 7,204 |
| Core capital (leverage) ratio | 6.4863% | 7,341 |
| Tier 1 risk-based capital ratio | 15.9753% | 2,775 |
| Total risk-based capital ratio | 17.2464% | 2,716 |
| Memoranda: | ||
| Average total assets | $12,583,329,000 | 87 |
| Average earning assets | $11,588,369,000 | 85 |
| Average equity | $872,359,500 | 128 |
| Average total loans | $5,545,715,500 | 113 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 7,037 |
| Cost of funding earning assets | 0.5445% | 7,486 |
| Net interest margin | 3.7642% | 4,073 |
| Noninterest income to average assets | 1.6062% | 504 |
| Noninterest expense to average assets | 2.6576% | 5,087 |
| Loan and lease loss provision to assets | 0.5842% | 2,442 |
| Net operating income to assets | 1.2171% | 1,517 |
| Return on assets (ROA) | 1.5906% | 792 |
| Pretax return on assets | 2.3852% | 287 |
| Return on Equity (ROE) | 23.4319% | 163 |
| Retained earnings to average equity (ytd only) | 11.6926% | 535 |
| Net charge-offs to loans | 1.1732% | 1,619 |
| Credit loss provision to net charge-offs | 111.2291% | 3,640 |
| Earnings coverage of net charge-offs (x) | 4.5920% | 2,905 |
| Efficiency ratio | 52.4113% | 7,031 |
| Assets per employee ($millions) | 5.2878% | 1,826 |
| Cash dividends to net income (ytd only)* | 50.0997% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7017% | 1,089 |
| Loan loss allowance to noncurrent loans | 278.3123% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 6,358 |
| Noncurrent loans to loans | 0.9708% | 5,367 |
| Net loans and leases to total assets | 41.3514% | 7,077 |
| Net loans and leases to deposits | 56.8788% | 6,662 |
| Net loans and leases to core deposits | 63.7487% | 6,418 |
| Total domestic deposits to total assets | 67.6524% | 7,440 |
| Equity capital to assets | 7.0804% | 7,316 |
| Core capital (leverage) ratio | 6.4073% | 7,402 |
| Tier 1 risk-based capital ratio | 15.2324% | 3,047 |
| Total risk-based capital ratio | 16.5027% | 2,992 |
| Memoranda: | ||
| Average total assets | $12,546,375,330 | 84 |
| Average earning assets | $11,543,568,000 | 83 |
| Average equity | $851,669,330 | 129 |
| Average total loans | $5,617,314,330 | 113 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4222% | 6,958 |
| Cost of funding earning assets | 0.5591% | 7,591 |
| Net interest margin | 3.8631% | 3,498 |
| Noninterest income to average assets | 1.6028% | 481 |
| Noninterest expense to average assets | 2.6309% | 5,226 |
| Loan and lease loss provision to assets | 0.6679% | 1,899 |
| Net operating income to assets | 1.2640% | 1,377 |
| Return on assets (ROA) | 1.7031% | 665 |
| Pretax return on assets | 2.5040% | 253 |
| Return on Equity (ROE) | 25.6608% | 145 |
| Retained earnings to average equity (ytd only) | 13.5126% | 558 |
| Net charge-offs to loans | 1.2642% | 1,349 |
| Credit loss provision to net charge-offs | 114.9908% | 3,030 |
| Earnings coverage of net charge-offs (x) | 4.3491% | 2,649 |
| Efficiency ratio | 51.0025% | 7,242 |
| Assets per employee ($millions) | 5.1722% | 1,997 |
| Cash dividends to net income (ytd only)* | 47.3413% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6036% | 1,172 |
| Loan loss allowance to noncurrent loans | 268.7835% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 6,307 |
| Noncurrent loans to loans | 0.9687% | 5,399 |
| Net loans and leases to total assets | 44.1061% | 6,983 |
| Net loans and leases to deposits | 57.6343% | 6,646 |
| Net loans and leases to core deposits | 64.8558% | 6,391 |
| Total domestic deposits to total assets | 71.0545% | 7,338 |
| Equity capital to assets | 6.7895% | 7,457 |
| Core capital (leverage) ratio | 6.3302% | 7,522 |
| Tier 1 risk-based capital ratio | 14.4277% | 3,425 |
| Total risk-based capital ratio | 15.6969% | 3,380 |
| Memoranda: | ||
| Average total assets | $12,402,820,500 | 84 |
| Average earning assets | $11,411,414,500 | 83 |
| Average equity | $823,171,000 | 129 |
| Average total loans | $5,698,876,500 | 112 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7576% | 7,033 |
| Cost of funding earning assets | 0.7963% | 7,557 |
| Net interest margin | 3.9613% | 3,021 |
| Noninterest income to average assets | 2.3141% | 309 |
| Noninterest expense to average assets | 3.3085% | 2,989 |
| Loan and lease loss provision to assets | 0.9155% | 2,460 |
| Net operating income to assets | 1.0916% | 1,533 |
| Return on assets (ROA) | 1.2316% | 1,226 |
| Pretax return on assets | 1.9161% | 493 |
| Return on Equity (ROE) | 18.5999% | 328 |
| Retained earnings to average equity (ytd only) | 2.7371% | 3,238 |
| Net charge-offs to loans | 1.4225% | 1,765 |
| Credit loss provision to net charge-offs | 122.9827% | 4,299 |
| Earnings coverage of net charge-offs (x) | 3.5101% | 3,313 |
| Efficiency ratio | 55.8500% | 7,038 |
| Assets per employee ($millions) | 5.1251% | 2,048 |
| Cash dividends to net income (ytd only)* | 85.2843% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4870% | 1,248 |
| Loan loss allowance to noncurrent loans | 227.6095% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 6,119 |
| Noncurrent loans to loans | 1.0926% | 5,138 |
| Net loans and leases to total assets | 45.4532% | 7,024 |
| Net loans and leases to deposits | 59.8277% | 6,644 |
| Net loans and leases to core deposits | 68.9521% | 6,830 |
| Total domestic deposits to total assets | 70.6516% | 7,363 |
| Equity capital to assets | 6.4842% | 7,566 |
| Core capital (leverage) ratio | 6.1736% | 7,592 |
| Tier 1 risk-based capital ratio | 13.5011% | 3,818 |
| Total risk-based capital ratio | 14.7686% | 3,754 |
| Memoranda: | ||
| Average total assets | $11,783,900,600 | 90 |
| Average earning assets | $10,730,759,400 | 88 |
| Average equity | $780,280,200 | 131 |
| Average total loans | $6,166,611,800 | 106 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8784% | 6,935 |
| Cost of funding earning assets | 0.8527% | 7,623 |
| Net interest margin | 4.0256% | 2,703 |
| Noninterest income to average assets | 2.4161% | 278 |
| Noninterest expense to average assets | 3.3512% | 2,725 |
| Loan and lease loss provision to assets | 0.9294% | 2,072 |
| Net operating income to assets | 1.2069% | 1,451 |
| Return on assets (ROA) | 1.2073% | 1,507 |
| Pretax return on assets | 1.7876% | 820 |
| Return on Equity (ROE) | 18.1332% | 443 |
| Retained earnings to average equity (ytd only) | 1.1268% | 4,691 |
| Net charge-offs to loans | 1.3179% | 1,554 |
| Credit loss provision to net charge-offs | 130.9447% | 3,818 |
| Earnings coverage of net charge-offs (x) | 3.8272% | 3,370 |
| Efficiency ratio | 55.2041% | 7,099 |
| Assets per employee ($millions) | 4.9255% | 2,233 |
| Cash dividends to net income (ytd only)* | 93.7861% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3973% | 1,169 |
| Loan loss allowance to noncurrent loans | 208.7108% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 6,054 |
| Noncurrent loans to loans | 1.1486% | 5,025 |
| Net loans and leases to total assets | 47.6636% | 6,985 |
| Net loans and leases to deposits | 62.7540% | 6,605 |
| Net loans and leases to core deposits | 72.8889% | 6,786 |
| Total domestic deposits to total assets | 70.5130% | 7,378 |
| Equity capital to assets | 6.7078% | 7,705 |
| Core capital (leverage) ratio | 6.1042% | 7,784 |
| Tier 1 risk-based capital ratio | 12.2509% | 4,747 |
| Total risk-based capital ratio | 13.5162% | 4,676 |
| Memoranda: | ||
| Average total assets | $11,631,759,250 | 99 |
| Average earning assets | $10,550,433,250 | 97 |
| Average equity | $774,462,750 | 135 |
| Average total loans | $6,264,157,500 | 111 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9282% | 6,969 |
| Cost of funding earning assets | 0.9223% | 7,668 |
| Net interest margin | 4.0059% | 2,676 |
| Noninterest income to average assets | 2.5434% | 259 |
| Noninterest expense to average assets | 3.4533% | 2,487 |
| Loan and lease loss provision to assets | 0.9361% | 1,803 |
| Net operating income to assets | 1.1949% | 1,491 |
| Return on assets (ROA) | 1.1957% | 1,572 |
| Pretax return on assets | 1.7672% | 906 |
| Return on Equity (ROE) | 18.0066% | 495 |
| Retained earnings to average equity (ytd only) | -1.4092% | 5,594 |
| Net charge-offs to loans | 1.2455% | 1,483 |
| Credit loss provision to net charge-offs | 135.0942% | 3,450 |
| Earnings coverage of net charge-offs (x) | 3.8997% | 3,281 |
| Efficiency ratio | 56.0646% | 7,115 |
| Assets per employee ($millions) | 4.8057% | 2,313 |
| Cash dividends to net income (ytd only)* | 107.8259% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2196% | 1,208 |
| Loan loss allowance to noncurrent loans | 285.0836% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 6,463 |
| Noncurrent loans to loans | 0.7786% | 5,674 |
| Net loans and leases to total assets | 49.7302% | 6,900 |
| Net loans and leases to deposits | 67.0685% | 6,281 |
| Net loans and leases to core deposits | 78.4741% | 6,517 |
| Total domestic deposits to total assets | 68.4748% | 7,590 |
| Equity capital to assets | 6.2903% | 7,870 |
| Core capital (leverage) ratio | 6.1117% | 7,897 |
| Tier 1 risk-based capital ratio | 11.5138% | 5,365 |
| Total risk-based capital ratio | 12.7767% | 5,284 |
| Memoranda: | ||
| Average total assets | $11,447,111,000 | 105 |
| Average earning assets | $10,321,509,000 | 104 |
| Average equity | $760,154,330 | 139 |
| Average total loans | $6,368,608,670 | 116 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1101% | 6,615 |
| Cost of funding earning assets | 1.0428% | 7,607 |
| Net interest margin | 4.0673% | 2,412 |
| Noninterest income to average assets | 2.8222% | 222 |
| Noninterest expense to average assets | 3.5375% | 2,011 |
| Loan and lease loss provision to assets | 0.8981% | 1,456 |
| Net operating income to assets | 1.3261% | 1,320 |
| Return on assets (ROA) | 1.3274% | 1,422 |
| Pretax return on assets | 2.0119% | 657 |
| Return on Equity (ROE) | 19.4266% | 468 |
| Retained earnings to average equity (ytd only) | -0.1194% | 5,673 |
| Net charge-offs to loans | 0.8653% | 1,509 |
| Credit loss provision to net charge-offs | 178.1588% | 2,437 |
| Earnings coverage of net charge-offs (x) | 5.7686% | 2,609 |
| Efficiency ratio | 54.8414% | 7,128 |
| Assets per employee ($millions) | 4.4171% | 2,851 |
| Cash dividends to net income (ytd only)* | 100.6144% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1125% | 1,210 |
| Loan loss allowance to noncurrent loans | 276.4055% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.4286% | 6,221 |
| Noncurrent loans to loans | 0.7643% | 5,521 |
| Net loans and leases to total assets | 54.5064% | 6,411 |
| Net loans and leases to deposits | 67.5610% | 6,223 |
| Net loans and leases to core deposits | 79.5012% | 6,421 |
| Total domestic deposits to total assets | 74.6662% | 6,775 |
| Equity capital to assets | 6.7455% | 7,787 |
| Core capital (leverage) ratio | 6.5064% | 7,876 |
| Tier 1 risk-based capital ratio | 11.2637% | 5,632 |
| Total risk-based capital ratio | 12.5252% | 5,534 |
| Memoranda: | ||
| Average total assets | $11,084,238,000 | 108 |
| Average earning assets | $9,873,858,000 | 108 |
| Average equity | $757,374,000 | 140 |
| Average total loans | $6,457,410,000 | 113 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8803% | 6,132 |
| Cost of funding earning assets | 1.3681% | 7,781 |
| Net interest margin | 4.5122% | 1,393 |
| Noninterest income to average assets | 2.6972% | 231 |
| Noninterest expense to average assets | 3.7011% | 1,954 |
| Loan and lease loss provision to assets | 0.5747% | 2,530 |
| Net operating income to assets | 1.7933% | 561 |
| Return on assets (ROA) | 1.7969% | 534 |
| Pretax return on assets | 2.4862% | 202 |
| Return on Equity (ROE) | 25.3635% | 129 |
| Retained earnings to average equity (ytd only) | 1.7882% | 4,125 |
| Net charge-offs to loans | 0.4268% | 2,685 |
| Credit loss provision to net charge-offs | 216.0093% | 2,230 |
| Earnings coverage of net charge-offs (x) | 11.4851% | 2,365 |
| Efficiency ratio | 54.7369% | 7,180 |
| Assets per employee ($millions) | 4.1617% | 3,189 |
| Cash dividends to net income (ytd only)* | 92.9498% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8849% | 1,455 |
| Loan loss allowance to noncurrent loans | 429.9920% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 6,488 |
| Noncurrent loans to loans | 0.4384% | 6,041 |
| Net loans and leases to total assets | 59.8472% | 5,934 |
| Net loans and leases to deposits | 77.4657% | 5,408 |
| Net loans and leases to core deposits | 94.4652% | 5,405 |
| Total domestic deposits to total assets | 70.9419% | 7,167 |
| Equity capital to assets | 6.9258% | 7,768 |
| Core capital (leverage) ratio | 6.9749% | 7,714 |
| Tier 1 risk-based capital ratio | 10.7609% | 5,949 |
| Total risk-based capital ratio | 12.0192% | 5,848 |
| Memoranda: | ||
| Average total assets | $10,528,929,200 | 110 |
| Average earning assets | $9,473,255,200 | 109 |
| Average equity | $745,948,800 | 143 |
| Average total loans | $6,564,316,200 | 113 |