Home > Bank of the West > Performance and Condition Ratios
Bank of the West, Performance and Condition Ratios
| 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 | 3.3040% | 3,582 |
| Cost of funding earning assets | 0.4451% | 1,753 |
| Net interest margin | 2.8589% | 3,772 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.0979% | 3,297 |
| Loan and lease loss provision to assets | -0.1000% | 4,534 |
| Net operating income to assets | 0.9051% | 2,939 |
| Return on assets (ROA) | 0.8886% | 2,953 |
| Pretax return on assets | 1.1594% | 2,571 |
| Return on Equity (ROE) | 7.5600% | 3,504 |
| Retained earnings to average equity (ytd only) | -14.5890% | 4,672 |
| Net charge-offs to loans | 0.1219% | 633 |
| Credit loss provision to net charge-offs | -130.2206% | 4,586 |
| Earnings coverage of net charge-offs (x) | 14.4150% | 2,032 |
| Efficiency ratio | 65.9837% | 2,228 |
| Assets per employee ($millions) | 10.2222% | 631 |
| Cash dividends to net income (ytd only)* | 293.0048% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,546 |
| Loan loss allowance to noncurrent loans | 118.3648% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5407% | 926 |
| Noncurrent loans to loans | 0.8148% | 909 |
| Net loans and leases to total assets | 65.0500% | 2,134 |
| Net loans and leases to deposits | 82.5940% | 1,573 |
| Net loans and leases to core deposits | 91.2823% | 1,438 |
| Total domestic deposits to total assets | 78.7600% | 4,020 |
| Equity capital to assets | 10.0424% | 1,684 |
| Core capital (leverage) ratio | 8.7292% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1261% | 2,694 |
| Memoranda: | ||
| Average total assets | $95,447,037,000 | 36 |
| Average earning assets | $86,276,073,400 | 35 |
| Average equity | $11,220,011,200 | 32 |
| Average total loans | $58,767,190,200 | 32 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0417% | 3,808 |
| Cost of funding earning assets | 0.2587% | 2,619 |
| Net interest margin | 2.7830% | 3,772 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.0636% | 3,310 |
| Loan and lease loss provision to assets | -0.1300% | 4,615 |
| Net operating income to assets | 0.9030% | 2,853 |
| Return on assets (ROA) | 0.8821% | 2,923 |
| Pretax return on assets | 1.1617% | 2,521 |
| Return on Equity (ROE) | 7.2500% | 3,533 |
| Retained earnings to average equity (ytd only) | -13.2140% | 4,703 |
| Net charge-offs to loans | 0.1241% | 511 |
| Credit loss provision to net charge-offs | -174.4549% | 4,657 |
| Earnings coverage of net charge-offs (x) | 14.0382% | 1,870 |
| Efficiency ratio | 66.1516% | 2,257 |
| Assets per employee ($millions) | 10.3044% | 596 |
| Cash dividends to net income (ytd only)* | 282.1825% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,487 |
| Loan loss allowance to noncurrent loans | 142.8425% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 1,174 |
| Noncurrent loans to loans | 0.6997% | 1,168 |
| Net loans and leases to total assets | 64.3200% | 2,057 |
| Net loans and leases to deposits | 77.8019% | 1,731 |
| Net loans and leases to core deposits | 85.6026% | 1,549 |
| Total domestic deposits to total assets | 82.6700% | 3,730 |
| Equity capital to assets | 10.4028% | 1,421 |
| Core capital (leverage) ratio | 9.3223% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9822% | 2,478 |
| Memoranda: | ||
| Average total assets | $96,413,706,000 | 36 |
| Average earning assets | $87,342,796,500 | 35 |
| Average equity | $11,725,798,250 | 31 |
| Average total loans | $58,420,302,250 | 33 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7937% | 3,991 |
| Cost of funding earning assets | 0.1346% | 3,779 |
| Net interest margin | 2.6590% | 3,796 |
| Noninterest income to average assets | 0.5867% | 1,798 |
| Noninterest expense to average assets | 2.0261% | 3,366 |
| Loan and lease loss provision to assets | -0.1927% | 4,674 |
| Net operating income to assets | 0.8885% | 2,630 |
| Return on assets (ROA) | 0.8672% | 2,680 |
| Pretax return on assets | 1.1437% | 2,260 |
| Return on Equity (ROE) | 6.8221% | 3,354 |
| Retained earnings to average equity (ytd only) | -7.6324% | 4,616 |
| Net charge-offs to loans | 0.1255% | 501 |
| Credit loss provision to net charge-offs | -259.1840% | 3,262 |
| Earnings coverage of net charge-offs (x) | 13.1395% | 1,695 |
| Efficiency ratio | 67.4671% | 2,313 |
| Assets per employee ($millions) | 10.6554% | 544 |
| Cash dividends to net income (ytd only)* | 211.8774% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,414 |
| Loan loss allowance to noncurrent loans | 180.0331% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 1,530 |
| Noncurrent loans to loans | 0.5791% | 1,459 |
| Net loans and leases to total assets | 61.6993% | 2,153 |
| Net loans and leases to deposits | 72.7908% | 1,971 |
| Net loans and leases to core deposits | 79.3171% | 1,760 |
| Total domestic deposits to total assets | 84.7625% | 3,533 |
| Equity capital to assets | 11.8299% | 930 |
| Core capital (leverage) ratio | 10.0648% | 2,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1743% | 1,983 |
| Memoranda: | ||
| Average total assets | $97,968,145,000 | 35 |
| Average earning assets | $89,028,606,667 | 35 |
| Average equity | $12,452,865,667 | 30 |
| Average total loans | $58,025,303,000 | 32 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6312% | 4,066 |
| Cost of funding earning assets | 0.0889% | 4,261 |
| Net interest margin | 2.5422% | 3,805 |
| Noninterest income to average assets | 0.5818% | 1,774 |
| Noninterest expense to average assets | 1.9642% | 3,524 |
| Loan and lease loss provision to assets | -0.2532% | 4,714 |
| Net operating income to assets | 0.8995% | 2,270 |
| Return on assets (ROA) | 0.8811% | 2,359 |
| Pretax return on assets | 1.1643% | 1,936 |
| Return on Equity (ROE) | 6.7115% | 3,125 |
| Retained earnings to average equity (ytd only) | 6.7115% | 1,991 |
| Net charge-offs to loans | 0.1810% | 333 |
| Credit loss provision to net charge-offs | -242.1527% | 3,010 |
| Earnings coverage of net charge-offs (x) | 8.9274% | 1,501 |
| Efficiency ratio | 67.7883% | 2,533 |
| Assets per employee ($millions) | 10.6174% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 3,172 |
| Loan loss allowance to noncurrent loans | 187.9144% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 1,614 |
| Noncurrent loans to loans | 0.6042% | 1,554 |
| Net loans and leases to total assets | 60.3563% | 2,027 |
| Net loans and leases to deposits | 71.1931% | 1,844 |
| Net loans and leases to core deposits | 77.4024% | 1,664 |
| Total domestic deposits to total assets | 84.7783% | 3,589 |
| Equity capital to assets | 13.3880% | 624 |
| Core capital (leverage) ratio | 10.4355% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4566% | 1,652 |
| Memoranda: | ||
| Average total assets | $99,706,277,000 | 35 |
| Average earning assets | $90,823,075,500 | 35 |
| Average equity | $13,090,154,500 | 29 |
| Average total loans | $57,580,449,000 | 32 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6926% | 4,316 |
| Cost of funding earning assets | 0.1067% | 4,335 |
| Net interest margin | 2.5859% | 4,066 |
| Noninterest income to average assets | 0.5923% | 2,194 |
| Noninterest expense to average assets | 1.8625% | 4,016 |
| Loan and lease loss provision to assets | -0.0548% | 4,377 |
| Net operating income to assets | 0.9017% | 3,040 |
| Return on assets (ROA) | 0.9670% | 2,871 |
| Pretax return on assets | 1.2303% | 2,571 |
| Return on Equity (ROE) | 7.0921% | 3,489 |
| Retained earnings to average equity (ytd only) | 1.6336% | 4,082 |
| Net charge-offs to loans | 0.0707% | 1,082 |
| Credit loss provision to net charge-offs | -133.4372% | 3,424 |
| Earnings coverage of net charge-offs (x) | 26.5798% | 1,695 |
| Efficiency ratio | 63.0454% | 2,709 |
| Assets per employee ($millions) | 11.6876% | 429 |
| Cash dividends to net income (ytd only)* | 76.9659% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 2,366 |
| Loan loss allowance to noncurrent loans | 213.7189% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 1,877 |
| Noncurrent loans to loans | 0.6074% | 1,623 |
| Net loans and leases to total assets | 54.0600% | 2,843 |
| Net loans and leases to deposits | 63.2940% | 2,755 |
| Net loans and leases to core deposits | 68.6246% | 2,595 |
| Total domestic deposits to total assets | 85.4108% | 3,127 |
| Equity capital to assets | 12.8946% | 932 |
| Core capital (leverage) ratio | 10.0387% | 2,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3233% | 1,732 |
| Memoranda: | ||
| Average total assets | $100,766,764,400 | 33 |
| Average earning assets | $92,039,388,600 | 34 |
| Average equity | $13,739,972,800 | 26 |
| Average total loans | $58,505,888,200 | 29 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7142% | 4,391 |
| Cost of funding earning assets | 0.1132% | 4,402 |
| Net interest margin | 2.6009% | 4,130 |
| Noninterest income to average assets | 0.5955% | 2,232 |
| Noninterest expense to average assets | 1.8410% | 4,082 |
| Loan and lease loss provision to assets | -0.0488% | 4,450 |
| Net operating income to assets | 0.9245% | 3,167 |
| Return on assets (ROA) | 0.9939% | 3,009 |
| Pretax return on assets | 1.2674% | 2,709 |
| Return on Equity (ROE) | 7.1863% | 3,620 |
| Retained earnings to average equity (ytd only) | 2.3544% | 4,092 |
| Net charge-offs to loans | 0.0749% | 908 |
| Credit loss provision to net charge-offs | -110.5019% | 3,244 |
| Earnings coverage of net charge-offs (x) | 25.5889% | 1,614 |
| Efficiency ratio | 61.9721% | 2,707 |
| Assets per employee ($millions) | 11.8440% | 386 |
| Cash dividends to net income (ytd only)* | 67.2375% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 2,191 |
| Loan loss allowance to noncurrent loans | 163.3421% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 1,665 |
| Noncurrent loans to loans | 0.8309% | 1,377 |
| Net loans and leases to total assets | 53.2346% | 3,054 |
| Net loans and leases to deposits | 62.8111% | 2,971 |
| Net loans and leases to core deposits | 73.1612% | 2,306 |
| Total domestic deposits to total assets | 84.7535% | 3,200 |
| Equity capital to assets | 12.9898% | 985 |
| Core capital (leverage) ratio | 9.9973% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6034% | 1,760 |
| Memoranda: | ||
| Average total assets | $99,760,781,000 | 33 |
| Average earning assets | $91,099,591,750 | 34 |
| Average equity | $13,796,875,000 | 26 |
| Average total loans | $58,783,654,500 | 30 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7899% | 4,357 |
| Cost of funding earning assets | 0.1206% | 4,438 |
| Net interest margin | 2.6693% | 4,040 |
| Noninterest income to average assets | 0.5978% | 2,228 |
| Noninterest expense to average assets | 1.8397% | 4,097 |
| Loan and lease loss provision to assets | -0.0488% | 4,515 |
| Net operating income to assets | 0.9747% | 2,979 |
| Return on assets (ROA) | 1.0769% | 2,688 |
| Pretax return on assets | 1.3703% | 2,415 |
| Return on Equity (ROE) | 7.6208% | 3,498 |
| Retained earnings to average equity (ytd only) | 4.0059% | 3,515 |
| Net charge-offs to loans | 0.0723% | 913 |
| Credit loss provision to net charge-offs | -111.1857% | 3,078 |
| Earnings coverage of net charge-offs (x) | 27.1467% | 1,370 |
| Efficiency ratio | 60.7091% | 2,912 |
| Assets per employee ($millions) | 10.9602% | 465 |
| Cash dividends to net income (ytd only)* | 47.4351% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 2,069 |
| Loan loss allowance to noncurrent loans | 151.6293% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 1,546 |
| Noncurrent loans to loans | 0.9080% | 1,365 |
| Net loans and leases to total assets | 57.5097% | 2,729 |
| Net loans and leases to deposits | 68.3612% | 2,582 |
| Net loans and leases to core deposits | 75.5939% | 2,279 |
| Total domestic deposits to total assets | 84.1262% | 3,388 |
| Equity capital to assets | 13.9053% | 733 |
| Core capital (leverage) ratio | 10.2154% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7269% | 1,713 |
| Memoranda: | ||
| Average total assets | $97,877,072,000 | 34 |
| Average earning assets | $89,199,122,333 | 35 |
| Average equity | $13,831,551,667 | 26 |
| Average total loans | $59,415,641,333 | 30 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7787% | 4,394 |
| Cost of funding earning assets | 0.1306% | 4,455 |
| Net interest margin | 2.6481% | 4,061 |
| Noninterest income to average assets | 0.6044% | 2,186 |
| Noninterest expense to average assets | 1.8406% | 4,134 |
| Loan and lease loss provision to assets | -0.0665% | 4,675 |
| Net operating income to assets | 0.9778% | 2,878 |
| Return on assets (ROA) | 1.1852% | 2,280 |
| Pretax return on assets | 1.5055% | 1,977 |
| Return on Equity (ROE) | 8.3188% | 3,236 |
| Retained earnings to average equity (ytd only) | 8.3188% | 2,144 |
| Net charge-offs to loans | 0.0804% | 793 |
| Credit loss provision to net charge-offs | -133.4765% | 2,877 |
| Earnings coverage of net charge-offs (x) | 23.5997% | 1,189 |
| Efficiency ratio | 61.0262% | 2,909 |
| Assets per employee ($millions) | 10.7067% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 2,139 |
| Loan loss allowance to noncurrent loans | 162.7292% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.5163% | 1,836 |
| Noncurrent loans to loans | 0.8366% | 1,596 |
| Net loans and leases to total assets | 59.8955% | 2,552 |
| Net loans and leases to deposits | 71.2550% | 2,393 |
| Net loans and leases to core deposits | 78.1299% | 2,174 |
| Total domestic deposits to total assets | 84.0580% | 3,415 |
| Equity capital to assets | 13.9009% | 690 |
| Core capital (leverage) ratio | 10.5383% | 2,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7836% | 1,646 |
| Memoranda: | ||
| Average total assets | $97,226,117,500 | 34 |
| Average earning assets | $88,546,655,000 | 35 |
| Average equity | $13,851,767,000 | 25 |
| Average total loans | $60,206,530,000 | 30 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1166% | 4,549 |
| Cost of funding earning assets | 0.4204% | 3,455 |
| Net interest margin | 2.6961% | 4,379 |
| Noninterest income to average assets | 0.5606% | 2,372 |
| Noninterest expense to average assets | 1.9424% | 4,246 |
| Loan and lease loss provision to assets | 0.3306% | 1,085 |
| Net operating income to assets | 0.5614% | 3,867 |
| Return on assets (ROA) | 0.6098% | 3,838 |
| Pretax return on assets | 0.7988% | 3,629 |
| Return on Equity (ROE) | 4.3532% | 4,076 |
| Retained earnings to average equity (ytd only) | 3.7665% | 2,937 |
| Net charge-offs to loans | 0.1563% | 1,050 |
| Credit loss provision to net charge-offs | 329.4602% | 1,644 |
| Earnings coverage of net charge-offs (x) | 10.6401% | 2,446 |
| Efficiency ratio | 64.5302% | 2,735 |
| Assets per employee ($millions) | 10.3723% | 473 |
| Cash dividends to net income (ytd only)* | 13.4769% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 2,018 |
| Loan loss allowance to noncurrent loans | 168.6809% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 1,968 |
| Noncurrent loans to loans | 0.8224% | 1,702 |
| Net loans and leases to total assets | 62.2794% | 2,571 |
| Net loans and leases to deposits | 74.9891% | 2,380 |
| Net loans and leases to core deposits | 82.3622% | 2,170 |
| Total domestic deposits to total assets | 83.0513% | 3,397 |
| Equity capital to assets | 14.6015% | 654 |
| Core capital (leverage) ratio | 10.2918% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9837% | 1,853 |
| Memoranda: | ||
| Average total assets | $97,340,603,200 | 33 |
| Average earning assets | $88,433,257,800 | 33 |
| Average equity | $13,636,324,000 | 25 |
| Average total loans | $62,488,341,400 | 29 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1651% | 4,620 |
| Cost of funding earning assets | 0.5012% | 3,213 |
| Net interest margin | 2.6639% | 4,506 |
| Noninterest income to average assets | 0.5567% | 2,366 |
| Noninterest expense to average assets | 1.9036% | 4,320 |
| Loan and lease loss provision to assets | 0.4208% | 801 |
| Net operating income to assets | 0.4773% | 4,093 |
| Return on assets (ROA) | 0.5415% | 4,021 |
| Pretax return on assets | 0.7340% | 3,814 |
| Return on Equity (ROE) | 3.9058% | 4,180 |
| Retained earnings to average equity (ytd only) | 3.1180% | 3,465 |
| Net charge-offs to loans | 0.1670% | 884 |
| Credit loss provision to net charge-offs | 391.0465% | 1,486 |
| Earnings coverage of net charge-offs (x) | 9.9720% | 2,389 |
| Efficiency ratio | 63.9520% | 2,743 |
| Assets per employee ($millions) | 10.2310% | 473 |
| Cash dividends to net income (ytd only)* | 20.1709% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 1,865 |
| Loan loss allowance to noncurrent loans | 168.6912% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 2,107 |
| Noncurrent loans to loans | 0.8133% | 1,796 |
| Net loans and leases to total assets | 63.2205% | 2,860 |
| Net loans and leases to deposits | 77.4092% | 2,603 |
| Net loans and leases to core deposits | 84.6294% | 2,418 |
| Total domestic deposits to total assets | 81.6705% | 3,501 |
| Equity capital to assets | 14.3892% | 764 |
| Core capital (leverage) ratio | 10.0399% | 2,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6065% | 1,960 |
| Memoranda: | ||
| Average total assets | $97,661,254,500 | 31 |
| Average earning assets | $88,720,023,750 | 32 |
| Average equity | $13,538,931,500 | 25 |
| Average total loans | $62,943,929,000 | 29 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2643% | 4,675 |
| Cost of funding earning assets | 0.6144% | 2,896 |
| Net interest margin | 2.6499% | 4,610 |
| Noninterest income to average assets | 0.5487% | 2,361 |
| Noninterest expense to average assets | 1.8715% | 4,461 |
| Loan and lease loss provision to assets | 0.4505% | 852 |
| Net operating income to assets | 0.4645% | 4,098 |
| Return on assets (ROA) | 0.4590% | 4,178 |
| Pretax return on assets | 0.6275% | 4,010 |
| Return on Equity (ROE) | 3.3528% | 4,274 |
| Retained earnings to average equity (ytd only) | 2.1617% | 3,694 |
| Net charge-offs to loans | 0.1744% | 855 |
| Credit loss provision to net charge-offs | 400.2119% | 1,402 |
| Earnings coverage of net charge-offs (x) | 9.6328% | 2,206 |
| Efficiency ratio | 63.3146% | 2,911 |
| Assets per employee ($millions) | 10.3638% | 454 |
| Cash dividends to net income (ytd only)* | 35.5263% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 2,344 |
| Loan loss allowance to noncurrent loans | 155.2811% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 2,300 |
| Noncurrent loans to loans | 0.7934% | 1,909 |
| Net loans and leases to total assets | 62.7948% | 3,034 |
| Net loans and leases to deposits | 78.1725% | 2,634 |
| Net loans and leases to core deposits | 88.8663% | 2,169 |
| Total domestic deposits to total assets | 80.3285% | 3,768 |
| Equity capital to assets | 13.7837% | 901 |
| Core capital (leverage) ratio | 9.4056% | 3,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0375% | 2,164 |
| Memoranda: | ||
| Average total assets | $98,113,489,667 | 30 |
| Average earning assets | $89,128,423,667 | 32 |
| Average equity | $13,432,754,667 | 26 |
| Average total loans | $63,348,208,333 | 29 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4627% | 4,673 |
| Cost of funding earning assets | 0.7992% | 2,400 |
| Net interest margin | 2.6635% | 4,696 |
| Noninterest income to average assets | 0.5644% | 2,211 |
| Noninterest expense to average assets | 1.9176% | 4,519 |
| Loan and lease loss provision to assets | 0.2217% | 1,392 |
| Net operating income to assets | 0.6240% | 3,531 |
| Return on assets (ROA) | 0.6139% | 3,619 |
| Pretax return on assets | 0.8288% | 3,337 |
| Return on Equity (ROE) | 4.4998% | 3,822 |
| Retained earnings to average equity (ytd only) | 2.0860% | 3,417 |
| Net charge-offs to loans | 0.2406% | 593 |
| Credit loss provision to net charge-offs | 141.5733% | 1,615 |
| Earnings coverage of net charge-offs (x) | 6.7852% | 1,966 |
| Efficiency ratio | 64.3506% | 3,182 |
| Assets per employee ($millions) | 10.6282% | 325 |
| Cash dividends to net income (ytd only)* | 53.6423% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 3,748 |
| Loan loss allowance to noncurrent loans | 153.4993% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 2,788 |
| Noncurrent loans to loans | 0.6469% | 2,372 |
| Net loans and leases to total assets | 62.2888% | 3,270 |
| Net loans and leases to deposits | 87.4803% | 1,810 |
| Net loans and leases to core deposits | 102.1658% | 1,307 |
| Total domestic deposits to total assets | 71.2032% | 4,806 |
| Equity capital to assets | 13.4565% | 1,240 |
| Core capital (leverage) ratio | 9.9094% | 3,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3311% | 2,558 |
| Memoranda: | ||
| Average total assets | $97,170,162,500 | 30 |
| Average earning assets | $88,126,687,500 | 31 |
| Average equity | $13,257,263,000 | 27 |
| Average total loans | $63,233,237,500 | 29 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 4,379 |
| Cost of funding earning assets | 1.0867% | 1,380 |
| Net interest margin | 2.8405% | 4,722 |
| Noninterest income to average assets | 0.5854% | 2,295 |
| Noninterest expense to average assets | 2.0535% | 4,445 |
| Loan and lease loss provision to assets | 0.1722% | 1,213 |
| Net operating income to assets | 0.6767% | 3,933 |
| Return on assets (ROA) | 0.6844% | 3,982 |
| Pretax return on assets | 0.9260% | 3,662 |
| Return on Equity (ROE) | 4.8934% | 4,235 |
| Retained earnings to average equity (ytd only) | 1.9994% | 4,002 |
| Net charge-offs to loans | 0.2394% | 856 |
| Credit loss provision to net charge-offs | 103.0134% | 2,409 |
| Earnings coverage of net charge-offs (x) | 6.5073% | 2,972 |
| Efficiency ratio | 65.3775% | 2,861 |
| Assets per employee ($millions) | 9.5834% | 399 |
| Cash dividends to net income (ytd only)* | 59.1404% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,592 |
| Loan loss allowance to noncurrent loans | 177.8336% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 2,883 |
| Noncurrent loans to loans | 0.5539% | 2,519 |
| Net loans and leases to total assets | 66.7671% | 2,863 |
| Net loans and leases to deposits | 88.0670% | 1,836 |
| Net loans and leases to core deposits | 101.5102% | 1,442 |
| Total domestic deposits to total assets | 75.8140% | 4,619 |
| Equity capital to assets | 13.8470% | 1,154 |
| Core capital (leverage) ratio | 10.0103% | 3,509 |
| Tier 1 risk-based capital ratio | 12.3623% | 4,150 |
| Total risk-based capital ratio | 13.2811% | 4,218 |
| Memoranda: | ||
| Average total assets | $90,173,292,200 | 32 |
| Average earning assets | $81,126,019,600 | 33 |
| Average equity | $12,612,377,600 | 27 |
| Average total loans | $62,950,117,600 | 27 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 4,385 |
| Cost of funding earning assets | 1.1123% | 1,300 |
| Net interest margin | 2.8774% | 4,781 |
| Noninterest income to average assets | 0.5944% | 2,230 |
| Noninterest expense to average assets | 2.0361% | 4,486 |
| Loan and lease loss provision to assets | 0.1411% | 1,367 |
| Net operating income to assets | 0.7492% | 3,853 |
| Return on assets (ROA) | 0.7666% | 3,853 |
| Pretax return on assets | 1.0259% | 3,509 |
| Return on Equity (ROE) | 5.4669% | 4,199 |
| Retained earnings to average equity (ytd only) | 2.4384% | 4,125 |
| Net charge-offs to loans | 0.1889% | 907 |
| Credit loss provision to net charge-offs | 106.0959% | 2,150 |
| Earnings coverage of net charge-offs (x) | 8.5996% | 2,642 |
| Efficiency ratio | 64.0265% | 3,003 |
| Assets per employee ($millions) | 9.4006% | 417 |
| Cash dividends to net income (ytd only)* | 55.3972% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 3,692 |
| Loan loss allowance to noncurrent loans | 180.0757% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 2,969 |
| Noncurrent loans to loans | 0.5431% | 2,667 |
| Net loans and leases to total assets | 68.7871% | 2,655 |
| Net loans and leases to deposits | 89.7351% | 1,731 |
| Net loans and leases to core deposits | 105.7499% | 1,199 |
| Total domestic deposits to total assets | 76.6557% | 4,564 |
| Equity capital to assets | 14.1439% | 1,094 |
| Core capital (leverage) ratio | 10.1739% | 3,453 |
| Tier 1 risk-based capital ratio | 12.2582% | 4,276 |
| Total risk-based capital ratio | 13.1749% | 4,342 |
| Memoranda: | ||
| Average total assets | $89,474,478,500 | 33 |
| Average earning assets | $80,402,601,250 | 34 |
| Average equity | $12,547,123,500 | 28 |
| Average total loans | $63,015,168,750 | 28 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0027% | 4,370 |
| Cost of funding earning assets | 1.1014% | 1,298 |
| Net interest margin | 2.9013% | 4,820 |
| Noninterest income to average assets | 0.5721% | 2,276 |
| Noninterest expense to average assets | 2.0531% | 4,511 |
| Loan and lease loss provision to assets | 0.1193% | 1,566 |
| Net operating income to assets | 0.7618% | 3,785 |
| Return on assets (ROA) | 0.7818% | 3,781 |
| Pretax return on assets | 1.0330% | 3,441 |
| Return on Equity (ROE) | 5.5914% | 4,176 |
| Retained earnings to average equity (ytd only) | 2.2951% | 4,017 |
| Net charge-offs to loans | 0.1642% | 973 |
| Credit loss provision to net charge-offs | 102.6525% | 1,926 |
| Earnings coverage of net charge-offs (x) | 9.6904% | 2,326 |
| Efficiency ratio | 64.5789% | 3,044 |
| Assets per employee ($millions) | 9.2018% | 429 |
| Cash dividends to net income (ytd only)* | 58.9540% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 3,815 |
| Loan loss allowance to noncurrent loans | 173.6908% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3944% | 2,926 |
| Noncurrent loans to loans | 0.5544% | 2,610 |
| Net loans and leases to total assets | 69.0962% | 2,661 |
| Net loans and leases to deposits | 91.1634% | 1,602 |
| Net loans and leases to core deposits | 110.4149% | 953 |
| Total domestic deposits to total assets | 75.7939% | 4,694 |
| Equity capital to assets | 13.9053% | 1,157 |
| Core capital (leverage) ratio | 10.2348% | 3,352 |
| Tier 1 risk-based capital ratio | 12.1508% | 4,329 |
| Total risk-based capital ratio | 13.0617% | 4,413 |
| Memoranda: | ||
| Average total assets | $88,957,358,670 | 33 |
| Average earning assets | $79,934,209,330 | 34 |
| Average equity | $12,437,959,000 | 28 |
| Average total loans | $62,942,747,670 | 28 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0328% | 4,296 |
| Cost of funding earning assets | 1.0698% | 1,289 |
| Net interest margin | 2.9630% | 4,801 |
| Noninterest income to average assets | 0.5617% | 2,221 |
| Noninterest expense to average assets | 2.1555% | 4,358 |
| Loan and lease loss provision to assets | 0.1496% | 1,126 |
| Net operating income to assets | 0.7233% | 3,864 |
| Return on assets (ROA) | 0.7206% | 3,919 |
| Pretax return on assets | 0.9141% | 3,720 |
| Return on Equity (ROE) | 5.1394% | 4,286 |
| Retained earnings to average equity (ytd only) | 1.0742% | 4,292 |
| Net charge-offs to loans | 0.2147% | 653 |
| Credit loss provision to net charge-offs | 97.7594% | 1,648 |
| Earnings coverage of net charge-offs (x) | 6.9645% | 2,163 |
| Efficiency ratio | 66.9112% | 2,810 |
| Assets per employee ($millions) | 8.8510% | 508 |
| Cash dividends to net income (ytd only)* | 79.0984% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 3,829 |
| Loan loss allowance to noncurrent loans | 218.4742% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 3,295 |
| Noncurrent loans to loans | 0.4479% | 2,978 |
| Net loans and leases to total assets | 70.2639% | 2,444 |
| Net loans and leases to deposits | 92.7046% | 1,316 |
| Net loans and leases to core deposits | 111.4759% | 860 |
| Total domestic deposits to total assets | 75.7933% | 4,788 |
| Equity capital to assets | 14.0744% | 1,011 |
| Core capital (leverage) ratio | 10.2463% | 3,336 |
| Tier 1 risk-based capital ratio | 12.2457% | 4,327 |
| Total risk-based capital ratio | 13.1958% | 4,385 |
| Memoranda: | ||
| Average total assets | $87,716,905,000 | 34 |
| Average earning assets | $78,739,125,500 | 35 |
| Average equity | $12,299,578,500 | 29 |
| Average total loans | $62,516,755,500 | 29 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 4,461 |
| Cost of funding earning assets | 0.8614% | 1,259 |
| Net interest margin | 2.9502% | 4,852 |
| Noninterest income to average assets | 0.5690% | 2,454 |
| Noninterest expense to average assets | 2.0849% | 4,600 |
| Loan and lease loss provision to assets | 0.1269% | 1,727 |
| Net operating income to assets | 0.7846% | 3,859 |
| Return on assets (ROA) | 0.7802% | 3,881 |
| Pretax return on assets | 1.0079% | 3,568 |
| Return on Equity (ROE) | 5.7557% | 4,249 |
| Retained earnings to average equity (ytd only) | 1.8080% | 4,425 |
| Net charge-offs to loans | 0.1955% | 983 |
| Credit loss provision to net charge-offs | 93.4216% | 2,674 |
| Earnings coverage of net charge-offs (x) | 8.3850% | 2,899 |
| Efficiency ratio | 64.6630% | 3,090 |
| Assets per employee ($millions) | 8.6622% | 518 |
| Cash dividends to net income (ytd only)* | 68.5872% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,811 |
| Loan loss allowance to noncurrent loans | 213.6785% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 3,203 |
| Noncurrent loans to loans | 0.4585% | 2,897 |
| Net loans and leases to total assets | 70.8913% | 2,433 |
| Net loans and leases to deposits | 93.4514% | 1,341 |
| Net loans and leases to core deposits | 112.6499% | 852 |
| Total domestic deposits to total assets | 75.8590% | 4,770 |
| Equity capital to assets | 13.9491% | 988 |
| Core capital (leverage) ratio | 10.1334% | 3,417 |
| Tier 1 risk-based capital ratio | 12.1476% | 4,326 |
| Total risk-based capital ratio | 13.0926% | 4,417 |
| Memoranda: | ||
| Average total assets | $88,760,986,200 | 32 |
| Average earning assets | $79,885,212,400 | 33 |
| Average equity | $12,032,417,000 | 29 |
| Average total loans | $61,682,653,000 | 29 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 4,580 |
| Cost of funding earning assets | 0.8096% | 1,290 |
| Net interest margin | 2.9261% | 4,940 |
| Noninterest income to average assets | 0.5659% | 2,491 |
| Noninterest expense to average assets | 2.0848% | 4,585 |
| Loan and lease loss provision to assets | 0.1010% | 1,978 |
| Net operating income to assets | 0.7674% | 4,021 |
| Return on assets (ROA) | 0.7637% | 4,042 |
| Pretax return on assets | 1.0111% | 3,687 |
| Return on Equity (ROE) | 5.6742% | 4,367 |
| Retained earnings to average equity (ytd only) | 1.7831% | 4,643 |
| Net charge-offs to loans | 0.1741% | 956 |
| Credit loss provision to net charge-offs | 84.0916% | 2,481 |
| Earnings coverage of net charge-offs (x) | 9.2898% | 2,651 |
| Efficiency ratio | 65.1364% | 3,014 |
| Assets per employee ($millions) | 8.6701% | 500 |
| Cash dividends to net income (ytd only)* | 68.5747% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 3,899 |
| Loan loss allowance to noncurrent loans | 202.7722% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 3,266 |
| Noncurrent loans to loans | 0.4828% | 2,939 |
| Net loans and leases to total assets | 70.1916% | 2,615 |
| Net loans and leases to deposits | 92.2579% | 1,587 |
| Net loans and leases to core deposits | 111.2438% | 953 |
| Total domestic deposits to total assets | 76.0820% | 4,781 |
| Equity capital to assets | 13.6172% | 1,095 |
| Core capital (leverage) ratio | 10.0142% | 3,619 |
| Tier 1 risk-based capital ratio | 12.3017% | 4,318 |
| Total risk-based capital ratio | 13.2477% | 4,387 |
| Memoranda: | ||
| Average total assets | $89,103,093,500 | 32 |
| Average earning assets | $80,230,092,000 | 33 |
| Average equity | $11,992,909,250 | 29 |
| Average total loans | $61,461,640,500 | 29 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6527% | 4,681 |
| Cost of funding earning assets | 0.7564% | 1,343 |
| Net interest margin | 2.8963% | 5,018 |
| Noninterest income to average assets | 0.5572% | 2,540 |
| Noninterest expense to average assets | 2.0562% | 4,694 |
| Loan and lease loss provision to assets | 0.0876% | 2,166 |
| Net operating income to assets | 0.7761% | 3,933 |
| Return on assets (ROA) | 0.7728% | 3,951 |
| Pretax return on assets | 1.0194% | 3,602 |
| Return on Equity (ROE) | 5.7639% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.0179% | 4,447 |
| Net charge-offs to loans | 0.1480% | 1,037 |
| Credit loss provision to net charge-offs | 86.5787% | 2,200 |
| Earnings coverage of net charge-offs (x) | 10.9723% | 2,301 |
| Efficiency ratio | 64.9358% | 3,171 |
| Assets per employee ($millions) | 8.8714% | 467 |
| Cash dividends to net income (ytd only)* | 64.9898% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,830 |
| Loan loss allowance to noncurrent loans | 192.2434% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3671% | 3,266 |
| Noncurrent loans to loans | 0.5209% | 2,858 |
| Net loans and leases to total assets | 67.8693% | 2,891 |
| Net loans and leases to deposits | 88.6552% | 2,022 |
| Net loans and leases to core deposits | 106.6774% | 1,195 |
| Total domestic deposits to total assets | 76.5542% | 4,791 |
| Equity capital to assets | 13.3576% | 1,160 |
| Core capital (leverage) ratio | 9.9425% | 3,641 |
| Tier 1 risk-based capital ratio | 12.2904% | 4,316 |
| Total risk-based capital ratio | 13.2512% | 4,372 |
| Memoranda: | ||
| Average total assets | $89,594,497,000 | 32 |
| Average earning assets | $80,715,273,670 | 32 |
| Average equity | $12,013,021,000 | 30 |
| Average total loans | $61,243,431,330 | 29 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5553% | 4,785 |
| Cost of funding earning assets | 0.7031% | 1,423 |
| Net interest margin | 2.8522% | 5,096 |
| Noninterest income to average assets | 0.5378% | 2,590 |
| Noninterest expense to average assets | 2.0905% | 4,680 |
| Loan and lease loss provision to assets | 0.1440% | 1,302 |
| Net operating income to assets | 0.6812% | 4,167 |
| Return on assets (ROA) | 0.6762% | 4,188 |
| Pretax return on assets | 0.8680% | 3,955 |
| Return on Equity (ROE) | 5.0340% | 4,476 |
| Retained earnings to average equity (ytd only) | 1.7113% | 4,436 |
| Net charge-offs to loans | 0.1885% | 778 |
| Credit loss provision to net charge-offs | 111.8939% | 1,441 |
| Earnings coverage of net charge-offs (x) | 7.9066% | 2,060 |
| Efficiency ratio | 67.2620% | 2,959 |
| Assets per employee ($millions) | 8.8592% | 467 |
| Cash dividends to net income (ytd only)* | 66.0057% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 3,844 |
| Loan loss allowance to noncurrent loans | 177.1019% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 3,208 |
| Noncurrent loans to loans | 0.5757% | 2,817 |
| Net loans and leases to total assets | 67.7398% | 2,794 |
| Net loans and leases to deposits | 88.0953% | 1,918 |
| Net loans and leases to core deposits | 104.5996% | 1,337 |
| Total domestic deposits to total assets | 76.8937% | 4,868 |
| Equity capital to assets | 13.3591% | 1,086 |
| Core capital (leverage) ratio | 9.8060% | 3,748 |
| Tier 1 risk-based capital ratio | 12.1966% | 4,434 |
| Total risk-based capital ratio | 13.1800% | 4,487 |
| Memoranda: | ||
| Average total assets | $89,613,153,500 | 30 |
| Average earning assets | $80,750,961,500 | 31 |
| Average equity | $12,038,205,500 | 29 |
| Average total loans | $61,166,829,500 | 28 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4827% | 4,807 |
| Cost of funding earning assets | 0.5092% | 2,256 |
| Net interest margin | 2.9734% | 4,940 |
| Noninterest income to average assets | 0.5544% | 2,687 |
| Noninterest expense to average assets | 2.0378% | 4,896 |
| Loan and lease loss provision to assets | 0.1628% | 1,371 |
| Net operating income to assets | 0.5035% | 4,367 |
| Return on assets (ROA) | 0.5044% | 4,399 |
| Pretax return on assets | 1.0269% | 3,468 |
| Return on Equity (ROE) | 3.5914% | 4,651 |
| Retained earnings to average equity (ytd only) | 0.3087% | 4,904 |
| Net charge-offs to loans | 0.1999% | 1,288 |
| Credit loss provision to net charge-offs | 117.3431% | 2,228 |
| Earnings coverage of net charge-offs (x) | 8.5528% | 2,897 |
| Efficiency ratio | 62.9646% | 3,782 |
| Assets per employee ($millions) | 8.9892% | 452 |
| Cash dividends to net income (ytd only)* | 91.4043% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,838 |
| Loan loss allowance to noncurrent loans | 191.5989% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3680% | 3,391 |
| Noncurrent loans to loans | 0.5302% | 2,917 |
| Net loans and leases to total assets | 67.3845% | 2,902 |
| Net loans and leases to deposits | 86.8288% | 2,155 |
| Net loans and leases to core deposits | 104.8098% | 1,355 |
| Total domestic deposits to total assets | 77.6061% | 4,778 |
| Equity capital to assets | 13.5077% | 1,059 |
| Core capital (leverage) ratio | 9.8130% | 3,685 |
| Tier 1 risk-based capital ratio | 12.1057% | 4,460 |
| Total risk-based capital ratio | 13.0776% | 4,529 |
| Memoranda: | ||
| Average total assets | $86,764,973,400 | 30 |
| Average earning assets | $77,913,977,200 | 30 |
| Average equity | $12,184,976,200 | 28 |
| Average total loans | $60,235,295,000 | 26 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4647% | 4,874 |
| Cost of funding earning assets | 0.4754% | 2,474 |
| Net interest margin | 2.9893% | 4,940 |
| Noninterest income to average assets | 0.5548% | 2,703 |
| Noninterest expense to average assets | 2.0682% | 4,801 |
| Loan and lease loss provision to assets | 0.1607% | 1,276 |
| Net operating income to assets | 0.6471% | 4,201 |
| Return on assets (ROA) | 0.6449% | 4,267 |
| Pretax return on assets | 1.0061% | 3,663 |
| Return on Equity (ROE) | 4.5471% | 4,693 |
| Retained earnings to average equity (ytd only) | 1.2685% | 4,896 |
| Net charge-offs to loans | 0.2199% | 986 |
| Credit loss provision to net charge-offs | 104.7744% | 2,209 |
| Earnings coverage of net charge-offs (x) | 7.6181% | 2,856 |
| Efficiency ratio | 63.6454% | 3,617 |
| Assets per employee ($millions) | 9.0913% | 422 |
| Cash dividends to net income (ytd only)* | 72.1038% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 4,125 |
| Loan loss allowance to noncurrent loans | 182.5014% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 3,503 |
| Noncurrent loans to loans | 0.5417% | 3,078 |
| Net loans and leases to total assets | 67.4974% | 2,920 |
| Net loans and leases to deposits | 88.9467% | 1,931 |
| Net loans and leases to core deposits | 107.2638% | 1,185 |
| Total domestic deposits to total assets | 75.8852% | 5,031 |
| Equity capital to assets | 13.7018% | 1,076 |
| Core capital (leverage) ratio | 9.9837% | 3,586 |
| Tier 1 risk-based capital ratio | 12.1027% | 4,545 |
| Total risk-based capital ratio | 13.0527% | 4,634 |
| Memoranda: | ||
| Average total assets | $86,014,800,000 | 30 |
| Average earning assets | $77,177,337,500 | 31 |
| Average equity | $12,199,894,750 | 28 |
| Average total loans | $60,016,873,750 | 26 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4328% | 4,908 |
| Cost of funding earning assets | 0.4321% | 2,786 |
| Net interest margin | 3.0007% | 4,915 |
| Noninterest income to average assets | 0.5430% | 2,753 |
| Noninterest expense to average assets | 2.1166% | 4,742 |
| Loan and lease loss provision to assets | 0.1670% | 1,188 |
| Net operating income to assets | 0.6135% | 4,243 |
| Return on assets (ROA) | 0.6124% | 4,292 |
| Pretax return on assets | 0.9479% | 3,772 |
| Return on Equity (ROE) | 4.2663% | 4,746 |
| Retained earnings to average equity (ytd only) | 0.9791% | 4,842 |
| Net charge-offs to loans | 0.2236% | 910 |
| Credit loss provision to net charge-offs | 106.1995% | 1,932 |
| Earnings coverage of net charge-offs (x) | 7.0891% | 2,642 |
| Efficiency ratio | 65.2446% | 3,468 |
| Assets per employee ($millions) | 8.6102% | 481 |
| Cash dividends to net income (ytd only)* | 77.0493% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,135 |
| Loan loss allowance to noncurrent loans | 167.3063% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 3,370 |
| Noncurrent loans to loans | 0.5986% | 2,940 |
| Net loans and leases to total assets | 68.7023% | 2,705 |
| Net loans and leases to deposits | 93.1823% | 1,345 |
| Net loans and leases to core deposits | 109.1783% | 1,042 |
| Total domestic deposits to total assets | 73.7289% | 5,317 |
| Equity capital to assets | 14.0527% | 946 |
| Core capital (leverage) ratio | 10.2893% | 3,158 |
| Tier 1 risk-based capital ratio | 12.1599% | 4,517 |
| Total risk-based capital ratio | 13.1212% | 4,608 |
| Memoranda: | ||
| Average total assets | $84,779,013,330 | 30 |
| Average earning assets | $75,957,505,670 | 31 |
| Average equity | $12,168,680,670 | 28 |
| Average total loans | $59,634,239,670 | 26 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4046% | 4,916 |
| Cost of funding earning assets | 0.3963% | 3,029 |
| Net interest margin | 3.0084% | 4,876 |
| Noninterest income to average assets | 0.5163% | 2,862 |
| Noninterest expense to average assets | 2.1508% | 4,751 |
| Loan and lease loss provision to assets | 0.1359% | 1,406 |
| Net operating income to assets | 0.5921% | 4,196 |
| Return on assets (ROA) | 0.5843% | 4,271 |
| Pretax return on assets | 0.9128% | 3,716 |
| Return on Equity (ROE) | 4.0268% | 4,771 |
| Retained earnings to average equity (ytd only) | 0.7337% | 4,739 |
| Net charge-offs to loans | 0.1348% | 1,122 |
| Credit loss provision to net charge-offs | 142.3067% | 1,251 |
| Earnings coverage of net charge-offs (x) | 11.0844% | 1,907 |
| Efficiency ratio | 66.7588% | 3,371 |
| Assets per employee ($millions) | 8.3081% | 543 |
| Cash dividends to net income (ytd only)* | 81.7809% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 4,130 |
| Loan loss allowance to noncurrent loans | 175.7110% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 3,435 |
| Noncurrent loans to loans | 0.5835% | 3,056 |
| Net loans and leases to total assets | 70.1703% | 2,349 |
| Net loans and leases to deposits | 92.8605% | 1,239 |
| Net loans and leases to core deposits | 110.7444% | 845 |
| Total domestic deposits to total assets | 75.5653% | 5,277 |
| Equity capital to assets | 14.5057% | 754 |
| Core capital (leverage) ratio | 10.4985% | 2,902 |
| Tier 1 risk-based capital ratio | 12.2569% | 4,539 |
| Total risk-based capital ratio | 13.2388% | 4,619 |
| Memoranda: | ||
| Average total assets | $83,712,883,500 | 31 |
| Average earning assets | $74,937,092,000 | 31 |
| Average equity | $12,146,310,000 | 27 |
| Average total loans | $59,294,309,000 | 26 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4092% | 4,963 |
| Cost of funding earning assets | 0.3229% | 3,814 |
| Net interest margin | 3.0863% | 4,763 |
| Noninterest income to average assets | 0.6238% | 2,535 |
| Noninterest expense to average assets | 2.1475% | 4,902 |
| Loan and lease loss provision to assets | 0.1569% | 1,589 |
| Net operating income to assets | 0.6802% | 3,870 |
| Return on assets (ROA) | 0.7345% | 3,734 |
| Pretax return on assets | 1.1548% | 2,874 |
| Return on Equity (ROE) | 4.7684% | 4,529 |
| Retained earnings to average equity (ytd only) | 1.5189% | 4,656 |
| Net charge-offs to loans | 0.1941% | 1,428 |
| Credit loss provision to net charge-offs | 114.0177% | 2,307 |
| Earnings coverage of net charge-offs (x) | 8.9050% | 2,821 |
| Efficiency ratio | 63.2084% | 4,072 |
| Assets per employee ($millions) | 8.2631% | 541 |
| Cash dividends to net income (ytd only)* | 68.1459% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 4,238 |
| Loan loss allowance to noncurrent loans | 183.4366% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 3,600 |
| Noncurrent loans to loans | 0.5520% | 3,191 |
| Net loans and leases to total assets | 70.0474% | 2,461 |
| Net loans and leases to deposits | 94.1765% | 1,181 |
| Net loans and leases to core deposits | 111.7783% | 792 |
| Total domestic deposits to total assets | 74.3789% | 5,410 |
| Equity capital to assets | 14.5132% | 728 |
| Core capital (leverage) ratio | 10.6557% | 2,714 |
| Tier 1 risk-based capital ratio | 12.2099% | 4,569 |
| Total risk-based capital ratio | 13.1788% | 4,659 |
| Memoranda: | ||
| Average total assets | $79,911,313,400 | 32 |
| Average earning assets | $71,175,600,800 | 33 |
| Average equity | $12,309,624,600 | 26 |
| Average total loans | $56,637,297,800 | 25 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3870% | 5,052 |
| Cost of funding earning assets | 0.3153% | 3,923 |
| Net interest margin | 3.0717% | 4,854 |
| Noninterest income to average assets | 0.6375% | 2,488 |
| Noninterest expense to average assets | 2.1691% | 4,852 |
| Loan and lease loss provision to assets | 0.1452% | 1,614 |
| Net operating income to assets | 0.6747% | 3,986 |
| Return on assets (ROA) | 0.7401% | 3,775 |
| Pretax return on assets | 1.1604% | 2,998 |
| Return on Equity (ROE) | 4.7321% | 4,625 |
| Retained earnings to average equity (ytd only) | 1.4930% | 4,917 |
| Net charge-offs to loans | 0.2063% | 1,133 |
| Credit loss provision to net charge-offs | 99.2313% | 2,396 |
| Earnings coverage of net charge-offs (x) | 8.2173% | 2,796 |
| Efficiency ratio | 63.8685% | 3,953 |
| Assets per employee ($millions) | 8.1355% | 555 |
| Cash dividends to net income (ytd only)* | 68.4486% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 4,366 |
| Loan loss allowance to noncurrent loans | 188.4775% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 3,858 |
| Noncurrent loans to loans | 0.5340% | 3,392 |
| Net loans and leases to total assets | 69.5488% | 2,562 |
| Net loans and leases to deposits | 94.5480% | 1,202 |
| Net loans and leases to core deposits | 109.2506% | 968 |
| Total domestic deposits to total assets | 73.5593% | 5,472 |
| Equity capital to assets | 15.0889% | 717 |
| Core capital (leverage) ratio | 10.7991% | 2,686 |
| Tier 1 risk-based capital ratio | 12.4073% | 4,528 |
| Total risk-based capital ratio | 13.3702% | 4,624 |
| Memoranda: | ||
| Average total assets | $78,956,630,750 | 32 |
| Average earning assets | $70,273,231,750 | 33 |
| Average equity | $12,349,044,000 | 25 |
| Average total loans | $55,983,955,500 | 25 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4068% | 5,063 |
| Cost of funding earning assets | 0.3033% | 4,088 |
| Net interest margin | 3.1035% | 4,824 |
| Noninterest income to average assets | 0.6589% | 2,334 |
| Noninterest expense to average assets | 2.1393% | 4,976 |
| Loan and lease loss provision to assets | 0.1499% | 1,532 |
| Net operating income to assets | 0.7249% | 3,673 |
| Return on assets (ROA) | 0.7985% | 3,459 |
| Pretax return on assets | 1.2443% | 2,621 |
| Return on Equity (ROE) | 5.0424% | 4,498 |
| Retained earnings to average equity (ytd only) | 1.7937% | 4,658 |
| Net charge-offs to loans | 0.2362% | 997 |
| Credit loss provision to net charge-offs | 89.2301% | 2,250 |
| Earnings coverage of net charge-offs (x) | 7.6008% | 2,611 |
| Efficiency ratio | 62.1467% | 4,330 |
| Assets per employee ($millions) | 7.9391% | 577 |
| Cash dividends to net income (ytd only)* | 64.4282% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 4,389 |
| Loan loss allowance to noncurrent loans | 189.7070% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 3,912 |
| Noncurrent loans to loans | 0.5392% | 3,459 |
| Net loans and leases to total assets | 69.4454% | 2,563 |
| Net loans and leases to deposits | 97.0539% | 960 |
| Net loans and leases to core deposits | 110.9976% | 874 |
| Total domestic deposits to total assets | 71.5535% | 5,695 |
| Equity capital to assets | 15.5042% | 624 |
| Core capital (leverage) ratio | 11.3122% | 2,138 |
| Tier 1 risk-based capital ratio | 12.7596% | 4,340 |
| Total risk-based capital ratio | 13.7426% | 4,440 |
| Memoranda: | ||
| Average total assets | $77,753,238,330 | 31 |
| Average earning assets | $69,084,355,670 | 32 |
| Average equity | $12,312,588,000 | 25 |
| Average total loans | $55,309,238,670 | 24 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4579% | 4,987 |
| Cost of funding earning assets | 0.3022% | 4,141 |
| Net interest margin | 3.1556% | 4,715 |
| Noninterest income to average assets | 0.7444% | 1,840 |
| Noninterest expense to average assets | 2.1970% | 4,911 |
| Loan and lease loss provision to assets | 0.1594% | 1,307 |
| Net operating income to assets | 0.7616% | 3,430 |
| Return on assets (ROA) | 0.8899% | 2,932 |
| Pretax return on assets | 1.3855% | 1,942 |
| Return on Equity (ROE) | 5.5587% | 4,194 |
| Retained earnings to average equity (ytd only) | 2.2884% | 4,343 |
| Net charge-offs to loans | 0.2362% | 863 |
| Credit loss provision to net charge-offs | 94.1628% | 1,726 |
| Earnings coverage of net charge-offs (x) | 7.9292% | 2,103 |
| Efficiency ratio | 61.6124% | 4,506 |
| Assets per employee ($millions) | 7.6823% | 645 |
| Cash dividends to net income (ytd only)* | 58.8325% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 4,285 |
| Loan loss allowance to noncurrent loans | 194.5423% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 3,989 |
| Noncurrent loans to loans | 0.5451% | 3,550 |
| Net loans and leases to total assets | 70.5549% | 2,260 |
| Net loans and leases to deposits | 98.1725% | 745 |
| Net loans and leases to core deposits | 109.6774% | 868 |
| Total domestic deposits to total assets | 71.8683% | 5,780 |
| Equity capital to assets | 16.0325% | 532 |
| Core capital (leverage) ratio | 11.3875% | 2,063 |
| Tier 1 risk-based capital ratio | 13.1940% | 4,145 |
| Total risk-based capital ratio | 14.2197% | 4,200 |
| Memoranda: | ||
| Average total assets | $76,398,362,500 | 31 |
| Average earning assets | $67,657,855,000 | 32 |
| Average equity | $12,231,297,500 | 25 |
| Average total loans | $54,736,176,500 | 24 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4783% | 4,983 |
| Cost of funding earning assets | 0.2481% | 4,804 |
| Net interest margin | 3.2302% | 4,532 |
| Noninterest income to average assets | 0.7555% | 1,953 |
| Noninterest expense to average assets | 2.1906% | 5,063 |
| Loan and lease loss provision to assets | 0.0990% | 2,331 |
| Net operating income to assets | 0.8533% | 3,092 |
| Return on assets (ROA) | 0.8601% | 3,136 |
| Pretax return on assets | 1.3211% | 2,198 |
| Return on Equity (ROE) | 5.2250% | 4,395 |
| Retained earnings to average equity (ytd only) | 1.8956% | 4,644 |
| Net charge-offs to loans | 0.1704% | 1,668 |
| Credit loss provision to net charge-offs | 81.1743% | 2,928 |
| Earnings coverage of net charge-offs (x) | 11.5346% | 2,563 |
| Efficiency ratio | 60.3815% | 4,860 |
| Assets per employee ($millions) | 7.6116% | 654 |
| Cash dividends to net income (ytd only)* | 63.7196% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 4,199 |
| Loan loss allowance to noncurrent loans | 186.3988% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 3,893 |
| Noncurrent loans to loans | 0.5751% | 3,447 |
| Net loans and leases to total assets | 71.2145% | 2,167 |
| Net loans and leases to deposits | 99.6065% | 704 |
| Net loans and leases to core deposits | 110.7817% | 820 |
| Total domestic deposits to total assets | 71.4958% | 5,823 |
| Equity capital to assets | 15.9869% | 522 |
| Core capital (leverage) ratio | 11.4190% | 2,025 |
| Tier 1 risk-based capital ratio | 13.2069% | 4,165 |
| Total risk-based capital ratio | 14.2499% | 4,227 |
| Memoranda: | ||
| Average total assets | $72,986,357,600 | 31 |
| Average earning assets | $64,222,847,800 | 33 |
| Average equity | $12,014,426,200 | 25 |
| Average total loans | $52,243,582,000 | 25 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4721% | 5,042 |
| Cost of funding earning assets | 0.2440% | 4,946 |
| Net interest margin | 3.2282% | 4,583 |
| Noninterest income to average assets | 0.7735% | 1,912 |
| Noninterest expense to average assets | 2.2302% | 4,966 |
| Loan and lease loss provision to assets | 0.0855% | 2,456 |
| Net operating income to assets | 0.8394% | 3,224 |
| Return on assets (ROA) | 0.8409% | 3,304 |
| Pretax return on assets | 1.3004% | 2,397 |
| Return on Equity (ROE) | 5.0700% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.7342% | 5,009 |
| Net charge-offs to loans | 0.1935% | 1,317 |
| Credit loss provision to net charge-offs | 61.7849% | 2,894 |
| Earnings coverage of net charge-offs (x) | 9.9869% | 2,641 |
| Efficiency ratio | 61.2353% | 4,683 |
| Assets per employee ($millions) | 7.5534% | 670 |
| Cash dividends to net income (ytd only)* | 65.7945% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 4,323 |
| Loan loss allowance to noncurrent loans | 169.1896% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 3,903 |
| Noncurrent loans to loans | 0.6402% | 3,404 |
| Net loans and leases to total assets | 70.6457% | 2,292 |
| Net loans and leases to deposits | 98.2183% | 799 |
| Net loans and leases to core deposits | 110.0219% | 875 |
| Total domestic deposits to total assets | 71.1937% | 5,919 |
| Equity capital to assets | 16.3819% | 511 |
| Core capital (leverage) ratio | 11.7041% | 1,884 |
| Tier 1 risk-based capital ratio | 13.4600% | 4,160 |
| Total risk-based capital ratio | 14.5150% | 4,201 |
| Memoranda: | ||
| Average total assets | $72,297,172,500 | 31 |
| Average earning assets | $63,558,372,500 | 33 |
| Average equity | $11,990,790,500 | 24 |
| Average total loans | $51,673,331,250 | 25 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4574% | 5,089 |
| Cost of funding earning assets | 0.2431% | 5,023 |
| Net interest margin | 3.2143% | 4,616 |
| Noninterest income to average assets | 0.7733% | 1,905 |
| Noninterest expense to average assets | 2.2425% | 5,001 |
| Loan and lease loss provision to assets | 0.0763% | 2,594 |
| Net operating income to assets | 0.8275% | 3,230 |
| Return on assets (ROA) | 0.8202% | 3,384 |
| Pretax return on assets | 1.2695% | 2,471 |
| Return on Equity (ROE) | 4.9246% | 4,652 |
| Retained earnings to average equity (ytd only) | 1.5761% | 4,913 |
| Net charge-offs to loans | 0.1546% | 1,555 |
| Credit loss provision to net charge-offs | 69.0297% | 2,471 |
| Earnings coverage of net charge-offs (x) | 12.2484% | 2,228 |
| Efficiency ratio | 61.8186% | 4,699 |
| Assets per employee ($millions) | 7.4049% | 693 |
| Cash dividends to net income (ytd only)* | 67.9953% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 4,145 |
| Loan loss allowance to noncurrent loans | 157.7711% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 3,831 |
| Noncurrent loans to loans | 0.7212% | 3,323 |
| Net loans and leases to total assets | 70.5483% | 2,235 |
| Net loans and leases to deposits | 99.5698% | 691 |
| Net loans and leases to core deposits | 111.2110% | 774 |
| Total domestic deposits to total assets | 69.8893% | 6,041 |
| Equity capital to assets | 16.4945% | 466 |
| Core capital (leverage) ratio | 11.7577% | 1,802 |
| Tier 1 risk-based capital ratio | 13.4542% | 4,246 |
| Total risk-based capital ratio | 14.5434% | 4,275 |
| Memoranda: | ||
| Average total assets | $71,721,932,670 | 31 |
| Average earning assets | $62,989,896,330 | 33 |
| Average equity | $11,945,595,670 | 24 |
| Average total loans | $51,275,552,330 | 25 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 5,124 |
| Cost of funding earning assets | 0.2438% | 5,087 |
| Net interest margin | 3.1934% | 4,634 |
| Noninterest income to average assets | 0.6687% | 2,312 |
| Noninterest expense to average assets | 2.2850% | 4,924 |
| Loan and lease loss provision to assets | 0.0657% | 2,623 |
| Net operating income to assets | 0.7290% | 3,648 |
| Return on assets (ROA) | 0.7130% | 3,864 |
| Pretax return on assets | 1.1000% | 3,079 |
| Return on Equity (ROE) | 4.2599% | 4,863 |
| Retained earnings to average equity (ytd only) | 0.9085% | 5,102 |
| Net charge-offs to loans | 0.1886% | 1,172 |
| Credit loss provision to net charge-offs | 48.7055% | 2,118 |
| Earnings coverage of net charge-offs (x) | 8.7895% | 2,059 |
| Efficiency ratio | 65.2656% | 4,273 |
| Assets per employee ($millions) | 7.3832% | 717 |
| Cash dividends to net income (ytd only)* | 78.6726% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 4,257 |
| Loan loss allowance to noncurrent loans | 162.4691% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 3,896 |
| Noncurrent loans to loans | 0.7084% | 3,502 |
| Net loans and leases to total assets | 71.3085% | 1,932 |
| Net loans and leases to deposits | 98.4206% | 651 |
| Net loans and leases to core deposits | 111.7587% | 669 |
| Total domestic deposits to total assets | 71.2811% | 6,075 |
| Equity capital to assets | 16.8888% | 442 |
| Core capital (leverage) ratio | 11.8757% | 1,718 |
| Tier 1 risk-based capital ratio | 13.3035% | 4,430 |
| Total risk-based capital ratio | 14.3883% | 4,451 |
| Memoranda: | ||
| Average total assets | $71,310,150,500 | 31 |
| Average earning assets | $62,584,671,000 | 33 |
| Average equity | $11,935,379,500 | 24 |
| Average total loans | $51,029,012,500 | 25 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5277% | 5,256 |
| Cost of funding earning assets | 0.2571% | 5,251 |
| Net interest margin | 3.2706% | 4,682 |
| Noninterest income to average assets | 0.6932% | 2,334 |
| Noninterest expense to average assets | 2.2533% | 5,228 |
| Loan and lease loss provision to assets | 0.0833% | 2,811 |
| Net operating income to assets | 0.7879% | 3,435 |
| Return on assets (ROA) | 0.7913% | 3,514 |
| Pretax return on assets | 1.2191% | 2,576 |
| Return on Equity (ROE) | 4.6105% | 4,841 |
| Retained earnings to average equity (ytd only) | 1.2218% | 5,233 |
| Net charge-offs to loans | 0.1853% | 2,189 |
| Credit loss provision to net charge-offs | 63.2775% | 3,226 |
| Earnings coverage of net charge-offs (x) | 9.8290% | 2,692 |
| Efficiency ratio | 62.9430% | 4,761 |
| Assets per employee ($millions) | 7.5678% | 640 |
| Cash dividends to net income (ytd only)* | 73.4994% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 4,117 |
| Loan loss allowance to noncurrent loans | 167.2815% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 4,043 |
| Noncurrent loans to loans | 0.7064% | 3,562 |
| Net loans and leases to total assets | 70.1469% | 2,217 |
| Net loans and leases to deposits | 96.4879% | 869 |
| Net loans and leases to core deposits | 110.1371% | 766 |
| Total domestic deposits to total assets | 71.5065% | 6,117 |
| Equity capital to assets | 16.5873% | 472 |
| Core capital (leverage) ratio | 11.8757% | 1,712 |
| Tier 1 risk-based capital ratio | 13.4833% | 4,424 |
| Total risk-based capital ratio | 14.6043% | 4,436 |
| Memoranda: | ||
| Average total assets | $68,779,962,200 | 31 |
| Average earning assets | $60,032,454,600 | 33 |
| Average equity | $11,803,869,200 | 23 |
| Average total loans | $48,884,781,400 | 25 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 5,315 |
| Cost of funding earning assets | 0.2612% | 5,292 |
| Net interest margin | 3.2706% | 4,718 |
| Noninterest income to average assets | 0.7047% | 2,309 |
| Noninterest expense to average assets | 2.2608% | 5,201 |
| Loan and lease loss provision to assets | 0.0717% | 2,912 |
| Net operating income to assets | 0.7691% | 3,570 |
| Return on assets (ROA) | 0.7758% | 3,638 |
| Pretax return on assets | 1.2363% | 2,632 |
| Return on Equity (ROE) | 4.4810% | 4,973 |
| Retained earnings to average equity (ytd only) | 1.0861% | 5,449 |
| Net charge-offs to loans | 0.1522% | 2,270 |
| Credit loss provision to net charge-offs | 66.2021% | 2,832 |
| Earnings coverage of net charge-offs (x) | 11.9631% | 2,358 |
| Efficiency ratio | 63.0113% | 4,723 |
| Assets per employee ($millions) | 7.4410% | 657 |
| Cash dividends to net income (ytd only)* | 75.7612% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 3,989 |
| Loan loss allowance to noncurrent loans | 143.2251% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 3,894 |
| Noncurrent loans to loans | 0.8691% | 3,392 |
| Net loans and leases to total assets | 70.9460% | 2,034 |
| Net loans and leases to deposits | 96.2786% | 859 |
| Net loans and leases to core deposits | 111.0229% | 707 |
| Total domestic deposits to total assets | 72.5518% | 6,132 |
| Equity capital to assets | 17.2101% | 404 |
| Core capital (leverage) ratio | 11.9562% | 1,722 |
| Tier 1 risk-based capital ratio | 13.7430% | 4,391 |
| Total risk-based capital ratio | 14.9178% | 4,377 |
| Memoranda: | ||
| Average total assets | $68,054,367,000 | 32 |
| Average earning assets | $59,320,498,500 | 34 |
| Average equity | $11,782,295,500 | 24 |
| Average total loans | $48,384,916,000 | 26 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5161% | 5,376 |
| Cost of funding earning assets | 0.2594% | 5,390 |
| Net interest margin | 3.2567% | 4,754 |
| Noninterest income to average assets | 0.6872% | 2,346 |
| Noninterest expense to average assets | 2.3024% | 5,145 |
| Loan and lease loss provision to assets | 0.0814% | 2,673 |
| Net operating income to assets | 0.7165% | 3,752 |
| Return on assets (ROA) | 0.7294% | 3,776 |
| Pretax return on assets | 1.1625% | 2,826 |
| Return on Equity (ROE) | 4.2043% | 5,059 |
| Retained earnings to average equity (ytd only) | 0.8025% | 5,425 |
| Net charge-offs to loans | 0.1582% | 2,126 |
| Credit loss provision to net charge-offs | 72.6555% | 2,423 |
| Earnings coverage of net charge-offs (x) | 10.8987% | 2,199 |
| Efficiency ratio | 64.7585% | 4,575 |
| Assets per employee ($millions) | 7.3847% | 667 |
| Cash dividends to net income (ytd only)* | 80.9117% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 3,961 |
| Loan loss allowance to noncurrent loans | 127.2047% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 3,783 |
| Noncurrent loans to loans | 1.0074% | 3,224 |
| Net loans and leases to total assets | 69.5400% | 2,148 |
| Net loans and leases to deposits | 97.1305% | 728 |
| Net loans and leases to core deposits | 111.3409% | 633 |
| Total domestic deposits to total assets | 70.6449% | 6,330 |
| Equity capital to assets | 17.1053% | 401 |
| Core capital (leverage) ratio | 12.0222% | 1,638 |
| Tier 1 risk-based capital ratio | 13.9203% | 4,304 |
| Total risk-based capital ratio | 15.1277% | 4,280 |
| Memoranda: | ||
| Average total assets | $67,781,068,330 | 32 |
| Average earning assets | $59,038,598,670 | 34 |
| Average equity | $11,758,620,670 | 24 |
| Average total loans | $48,020,065,670 | 26 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5206% | 5,371 |
| Cost of funding earning assets | 0.2604% | 5,485 |
| Net interest margin | 3.2602% | 4,704 |
| Noninterest income to average assets | 0.6840% | 2,263 |
| Noninterest expense to average assets | 2.2925% | 5,211 |
| Loan and lease loss provision to assets | 0.0723% | 2,694 |
| Net operating income to assets | 0.7318% | 3,535 |
| Return on assets (ROA) | 0.7283% | 3,634 |
| Pretax return on assets | 1.1543% | 2,678 |
| Return on Equity (ROE) | 4.1681% | 4,953 |
| Retained earnings to average equity (ytd only) | 0.7562% | 5,285 |
| Net charge-offs to loans | 0.1906% | 1,589 |
| Credit loss provision to net charge-offs | 53.3876% | 2,170 |
| Earnings coverage of net charge-offs (x) | 9.0783% | 1,968 |
| Efficiency ratio | 64.5160% | 4,774 |
| Assets per employee ($millions) | 7.0887% | 776 |
| Cash dividends to net income (ytd only)* | 81.8578% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,122 |
| Loan loss allowance to noncurrent loans | 120.3250% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 3,777 |
| Noncurrent loans to loans | 1.0803% | 3,258 |
| Net loans and leases to total assets | 69.9610% | 1,891 |
| Net loans and leases to deposits | 94.3457% | 758 |
| Net loans and leases to core deposits | 106.8755% | 721 |
| Total domestic deposits to total assets | 72.8540% | 6,316 |
| Equity capital to assets | 17.3491% | 362 |
| Core capital (leverage) ratio | 12.2058% | 1,533 |
| Tier 1 risk-based capital ratio | 14.1594% | 4,220 |
| Total risk-based capital ratio | 15.3885% | 4,184 |
| Memoranda: | ||
| Average total assets | $67,096,392,500 | 32 |
| Average earning assets | $58,403,561,500 | 34 |
| Average equity | $11,723,745,500 | 24 |
| Average total loans | $47,674,396,000 | 26 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6864% | 5,174 |
| Cost of funding earning assets | 0.2902% | 5,673 |
| Net interest margin | 3.3962% | 4,285 |
| Noninterest income to average assets | 0.7344% | 2,362 |
| Noninterest expense to average assets | 2.3005% | 5,385 |
| Loan and lease loss provision to assets | 0.0677% | 3,776 |
| Net operating income to assets | 0.8106% | 3,240 |
| Return on assets (ROA) | 0.8734% | 2,996 |
| Pretax return on assets | 1.4029% | 1,766 |
| Return on Equity (ROE) | 4.8035% | 4,717 |
| Retained earnings to average equity (ytd only) | 2.2330% | 4,659 |
| Net charge-offs to loans | 0.2606% | 2,403 |
| Credit loss provision to net charge-offs | 36.3525% | 4,121 |
| Earnings coverage of net charge-offs (x) | 7.3534% | 2,862 |
| Efficiency ratio | 62.0813% | 5,195 |
| Assets per employee ($millions) | 6.8046% | 847 |
| Cash dividends to net income (ytd only)* | 53.5136% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 3,935 |
| Loan loss allowance to noncurrent loans | 108.9312% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.8999% | 3,640 |
| Noncurrent loans to loans | 1.2305% | 3,087 |
| Net loans and leases to total assets | 70.2733% | 1,970 |
| Net loans and leases to deposits | 96.5614% | 697 |
| Net loans and leases to core deposits | 109.2310% | 640 |
| Total domestic deposits to total assets | 71.3171% | 6,458 |
| Equity capital to assets | 17.5992% | 344 |
| Core capital (leverage) ratio | 12.3762% | 1,415 |
| Tier 1 risk-based capital ratio | 14.4221% | 4,005 |
| Total risk-based capital ratio | 15.6724% | 3,946 |
| Memoranda: | ||
| Average total assets | $64,183,588,400 | 33 |
| Average earning assets | $55,494,040,000 | 34 |
| Average equity | $11,670,673,000 | 24 |
| Average total loans | $45,896,678,200 | 26 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7308% | 5,083 |
| Cost of funding earning assets | 0.2966% | 5,762 |
| Net interest margin | 3.4342% | 4,150 |
| Noninterest income to average assets | 0.7539% | 2,351 |
| Noninterest expense to average assets | 2.2922% | 5,366 |
| Loan and lease loss provision to assets | 0.0871% | 3,316 |
| Net operating income to assets | 0.8318% | 3,184 |
| Return on assets (ROA) | 0.8993% | 2,958 |
| Pretax return on assets | 1.4459% | 1,777 |
| Return on Equity (ROE) | 4.9044% | 4,772 |
| Retained earnings to average equity (ytd only) | 2.6182% | 4,759 |
| Net charge-offs to loans | 0.2458% | 2,340 |
| Credit loss provision to net charge-offs | 49.4890% | 3,518 |
| Earnings coverage of net charge-offs (x) | 8.1030% | 2,678 |
| Efficiency ratio | 61.0643% | 5,275 |
| Assets per employee ($millions) | 6.6814% | 858 |
| Cash dividends to net income (ytd only)* | 46.6153% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4482% | 3,692 |
| Loan loss allowance to noncurrent loans | 108.0619% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.9686% | 3,727 |
| Noncurrent loans to loans | 1.3402% | 3,181 |
| Net loans and leases to total assets | 69.8752% | 1,995 |
| Net loans and leases to deposits | 95.2021% | 749 |
| Net loans and leases to core deposits | 108.5018% | 647 |
| Total domestic deposits to total assets | 71.8768% | 6,504 |
| Equity capital to assets | 17.9079% | 330 |
| Core capital (leverage) ratio | 12.6527% | 1,350 |
| Tier 1 risk-based capital ratio | 14.7051% | 3,946 |
| Total risk-based capital ratio | 15.9568% | 3,909 |
| Memoranda: | ||
| Average total assets | $63,612,540,250 | 33 |
| Average earning assets | $54,906,713,250 | 34 |
| Average equity | $11,663,894,000 | 24 |
| Average total loans | $45,534,925,250 | 26 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7650% | 4,945 |
| Cost of funding earning assets | 0.3057% | 5,789 |
| Net interest margin | 3.4593% | 3,959 |
| Noninterest income to average assets | 0.7793% | 2,280 |
| Noninterest expense to average assets | 2.3116% | 5,337 |
| Loan and lease loss provision to assets | 0.0795% | 3,468 |
| Net operating income to assets | 0.8498% | 3,044 |
| Return on assets (ROA) | 0.9073% | 2,893 |
| Pretax return on assets | 1.4609% | 1,738 |
| Return on Equity (ROE) | 4.9088% | 4,774 |
| Retained earnings to average equity (ytd only) | 3.1946% | 4,279 |
| Net charge-offs to loans | 0.2249% | 2,388 |
| Credit loss provision to net charge-offs | 49.2477% | 3,225 |
| Earnings coverage of net charge-offs (x) | 8.9737% | 2,341 |
| Efficiency ratio | 60.8809% | 5,352 |
| Assets per employee ($millions) | 6.6163% | 858 |
| Cash dividends to net income (ytd only)* | 34.9219% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 3,592 |
| Loan loss allowance to noncurrent loans | 121.8532% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 3,961 |
| Noncurrent loans to loans | 1.2310% | 3,496 |
| Net loans and leases to total assets | 70.7869% | 1,751 |
| Net loans and leases to deposits | 96.1670% | 656 |
| Net loans and leases to core deposits | 109.4358% | 583 |
| Total domestic deposits to total assets | 72.2447% | 6,548 |
| Equity capital to assets | 18.3197% | 297 |
| Core capital (leverage) ratio | 12.9533% | 1,184 |
| Tier 1 risk-based capital ratio | 14.9731% | 3,797 |
| Total risk-based capital ratio | 16.2255% | 3,760 |
| Memoranda: | ||
| Average total assets | $63,122,091,670 | 33 |
| Average earning assets | $54,406,171,330 | 34 |
| Average equity | $11,666,807,670 | 24 |
| Average total loans | $45,331,307,670 | 27 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 4,794 |
| Cost of funding earning assets | 0.3137% | 5,856 |
| Net interest margin | 3.4975% | 3,709 |
| Noninterest income to average assets | 0.8107% | 2,084 |
| Noninterest expense to average assets | 2.3489% | 5,276 |
| Loan and lease loss provision to assets | 0.1219% | 2,703 |
| Net operating income to assets | 0.8359% | 2,974 |
| Return on assets (ROA) | 0.8990% | 2,812 |
| Pretax return on assets | 1.4494% | 1,709 |
| Return on Equity (ROE) | 4.8426% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.8426% | 3,333 |
| Net charge-offs to loans | 0.3765% | 1,512 |
| Credit loss provision to net charge-offs | 45.0983% | 2,687 |
| Earnings coverage of net charge-offs (x) | 5.4387% | 2,365 |
| Efficiency ratio | 60.9331% | 5,454 |
| Assets per employee ($millions) | 6.5893% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 3,721 |
| Loan loss allowance to noncurrent loans | 126.3464% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 4,102 |
| Noncurrent loans to loans | 1.2067% | 3,755 |
| Net loans and leases to total assets | 71.0451% | 1,511 |
| Net loans and leases to deposits | 94.9162% | 615 |
| Net loans and leases to core deposits | 108.8760% | 533 |
| Total domestic deposits to total assets | 73.6107% | 6,562 |
| Equity capital to assets | 18.7642% | 286 |
| Core capital (leverage) ratio | 12.8629% | 1,168 |
| Tier 1 risk-based capital ratio | 15.0438% | 3,807 |
| Total risk-based capital ratio | 16.2966% | 3,762 |
| Memoranda: | ||
| Average total assets | $62,918,310,500 | 33 |
| Average earning assets | $54,115,756,000 | 34 |
| Average equity | $11,680,986,500 | 24 |
| Average total loans | $45,169,206,500 | 27 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0201% | 5,239 |
| Cost of funding earning assets | 0.4681% | 5,432 |
| Net interest margin | 3.5519% | 4,290 |
| Noninterest income to average assets | 0.8592% | 1,996 |
| Noninterest expense to average assets | 2.3530% | 5,554 |
| Loan and lease loss provision to assets | 0.2506% | 2,650 |
| Net operating income to assets | 0.8327% | 3,128 |
| Return on assets (ROA) | 0.8847% | 3,135 |
| Pretax return on assets | 1.3856% | 2,087 |
| Return on Equity (ROE) | 4.8377% | 4,756 |
| Retained earnings to average equity (ytd only) | 3.3129% | 3,894 |
| Net charge-offs to loans | 0.7122% | 1,657 |
| Credit loss provision to net charge-offs | 49.6492% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.0773% | 3,898 |
| Efficiency ratio | 59.5532% | 5,607 |
| Assets per employee ($millions) | 6.5750% | 971 |
| Cash dividends to net income (ytd only)* | 31.5191% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5705% | 3,440 |
| Loan loss allowance to noncurrent loans | 115.1641% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.0237% | 3,990 |
| Noncurrent loans to loans | 1.3637% | 3,553 |
| Net loans and leases to total assets | 70.3182% | 1,779 |
| Net loans and leases to deposits | 94.5539% | 716 |
| Net loans and leases to core deposits | 108.7568% | 577 |
| Total domestic deposits to total assets | 73.0289% | 6,620 |
| Equity capital to assets | 18.3691% | 304 |
| Core capital (leverage) ratio | 12.4560% | 1,339 |
| Tier 1 risk-based capital ratio | 14.6929% | 3,900 |
| Total risk-based capital ratio | 15.9462% | 3,855 |
| Memoranda: | ||
| Average total assets | $62,758,934,600 | 33 |
| Average earning assets | $53,834,752,200 | 34 |
| Average equity | $11,476,505,600 | 23 |
| Average total loans | $44,475,798,200 | 25 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 5,416 |
| Cost of funding earning assets | 0.4919% | 5,493 |
| Net interest margin | 3.5446% | 4,464 |
| Noninterest income to average assets | 0.8708% | 1,937 |
| Noninterest expense to average assets | 2.2595% | 5,795 |
| Loan and lease loss provision to assets | 0.2552% | 2,533 |
| Net operating income to assets | 0.8641% | 3,163 |
| Return on assets (ROA) | 0.9264% | 3,070 |
| Pretax return on assets | 1.4960% | 1,890 |
| Return on Equity (ROE) | 5.0717% | 4,792 |
| Retained earnings to average equity (ytd only) | 5.0717% | 3,318 |
| Net charge-offs to loans | 0.7067% | 1,567 |
| Credit loss provision to net charge-offs | 51.0662% | 4,381 |
| Earnings coverage of net charge-offs (x) | 3.3056% | 3,702 |
| Efficiency ratio | 57.0354% | 5,915 |
| Assets per employee ($millions) | 6.5870% | 909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 3,220 |
| Loan loss allowance to noncurrent loans | 118.2898% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.1172% | 4,059 |
| Noncurrent loans to loans | 1.4190% | 3,672 |
| Net loans and leases to total assets | 70.1856% | 1,876 |
| Net loans and leases to deposits | 97.9851% | 541 |
| Net loans and leases to core deposits | 114.4205% | 419 |
| Total domestic deposits to total assets | 69.8143% | 6,853 |
| Equity capital to assets | 18.5993% | 318 |
| Core capital (leverage) ratio | 12.6069% | 1,361 |
| Tier 1 risk-based capital ratio | 14.9573% | 3,873 |
| Total risk-based capital ratio | 16.2116% | 3,827 |
| Memoranda: | ||
| Average total assets | $62,612,828,500 | 33 |
| Average earning assets | $53,715,327,000 | 34 |
| Average equity | $11,436,725,750 | 23 |
| Average total loans | $44,281,589,750 | 25 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0686% | 5,423 |
| Cost of funding earning assets | 0.5106% | 5,550 |
| Net interest margin | 3.5580% | 4,424 |
| Noninterest income to average assets | 0.8377% | 2,016 |
| Noninterest expense to average assets | 2.2613% | 5,841 |
| Loan and lease loss provision to assets | 0.2701% | 2,424 |
| Net operating income to assets | 0.8418% | 3,185 |
| Return on assets (ROA) | 0.8919% | 3,210 |
| Pretax return on assets | 1.4360% | 2,063 |
| Return on Equity (ROE) | 4.9132% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.9132% | 3,325 |
| Net charge-offs to loans | 0.7470% | 1,478 |
| Credit loss provision to net charge-offs | 51.2750% | 4,006 |
| Earnings coverage of net charge-offs (x) | 3.0886% | 3,506 |
| Efficiency ratio | 57.3461% | 5,949 |
| Assets per employee ($millions) | 6.5540% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 2,935 |
| Loan loss allowance to noncurrent loans | 116.1836% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.2369% | 3,937 |
| Noncurrent loans to loans | 1.5296% | 3,612 |
| Net loans and leases to total assets | 69.6826% | 1,973 |
| Net loans and leases to deposits | 97.4085% | 556 |
| Net loans and leases to core deposits | 114.4055% | 433 |
| Total domestic deposits to total assets | 69.6540% | 6,920 |
| Equity capital to assets | 18.3782% | 315 |
| Core capital (leverage) ratio | 12.4063% | 1,394 |
| Tier 1 risk-based capital ratio | 14.8134% | 3,888 |
| Total risk-based capital ratio | 16.0688% | 3,851 |
| Memoranda: | ||
| Average total assets | $62,471,343,330 | 33 |
| Average earning assets | $53,558,227,330 | 34 |
| Average equity | $11,340,795,670 | 23 |
| Average total loans | $44,042,646,000 | 25 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 5,579 |
| Cost of funding earning assets | 0.5450% | 5,531 |
| Net interest margin | 3.5151% | 4,618 |
| Noninterest income to average assets | 0.7305% | 2,496 |
| Noninterest expense to average assets | 2.2728% | 5,846 |
| Loan and lease loss provision to assets | 0.3047% | 2,067 |
| Net operating income to assets | 0.7268% | 3,752 |
| Return on assets (ROA) | 0.8216% | 3,525 |
| Pretax return on assets | 1.3134% | 2,495 |
| Return on Equity (ROE) | 4.5539% | 5,015 |
| Retained earnings to average equity (ytd only) | 4.5539% | 3,851 |
| Net charge-offs to loans | 0.6468% | 1,513 |
| Credit loss provision to net charge-offs | 67.0179% | 2,977 |
| Earnings coverage of net charge-offs (x) | 3.2335% | 2,907 |
| Efficiency ratio | 59.6202% | 5,675 |
| Assets per employee ($millions) | 6.6132% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 2,604 |
| Loan loss allowance to noncurrent loans | 91.3663% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.6794% | 3,341 |
| Noncurrent loans to loans | 2.1064% | 3,022 |
| Net loans and leases to total assets | 69.2206% | 1,909 |
| Net loans and leases to deposits | 96.6560% | 500 |
| Net loans and leases to core deposits | 112.7340% | 449 |
| Total domestic deposits to total assets | 69.7309% | 6,995 |
| Equity capital to assets | 18.1514% | 325 |
| Core capital (leverage) ratio | 12.0067% | 1,583 |
| Tier 1 risk-based capital ratio | 14.7774% | 3,906 |
| Total risk-based capital ratio | 16.0347% | 3,864 |
| Memoranda: | ||
| Average total assets | $62,375,584,500 | 33 |
| Average earning assets | $53,451,857,500 | 33 |
| Average equity | $11,253,028,000 | 23 |
| Average total loans | $43,836,409,500 | 25 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 5,494 |
| Cost of funding earning assets | 0.6116% | 6,039 |
| Net interest margin | 3.7696% | 3,983 |
| Noninterest income to average assets | 0.7851% | 2,140 |
| Noninterest expense to average assets | 2.3880% | 5,805 |
| Loan and lease loss provision to assets | 0.4939% | 2,132 |
| Net operating income to assets | 0.7027% | 3,479 |
| Return on assets (ROA) | 0.7372% | 3,477 |
| Pretax return on assets | 1.1574% | 2,621 |
| Return on Equity (ROE) | 4.0524% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.0524% | 3,304 |
| Net charge-offs to loans | 1.1247% | 1,523 |
| Credit loss provision to net charge-offs | 61.0610% | 5,142 |
| Earnings coverage of net charge-offs (x) | 1.9736% | 4,305 |
| Efficiency ratio | 58.5027% | 5,987 |
| Assets per employee ($millions) | 6.5783% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9926% | 2,306 |
| Loan loss allowance to noncurrent loans | 92.0229% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.7397% | 3,340 |
| Noncurrent loans to loans | 2.1653% | 2,989 |
| Net loans and leases to total assets | 68.5834% | 2,294 |
| Net loans and leases to deposits | 97.2872% | 607 |
| Net loans and leases to core deposits | 113.9795% | 500 |
| Total domestic deposits to total assets | 68.6359% | 7,044 |
| Equity capital to assets | 17.9302% | 354 |
| Core capital (leverage) ratio | 11.5685% | 1,835 |
| Tier 1 risk-based capital ratio | 14.1958% | 4,181 |
| Total risk-based capital ratio | 15.4538% | 4,131 |
| Memoranda: | ||
| Average total assets | $59,955,497,000 | 32 |
| Average earning assets | $50,881,748,800 | 33 |
| Average equity | $10,907,298,600 | 23 |
| Average total loans | $43,116,869,000 | 24 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4321% | 5,488 |
| Cost of funding earning assets | 0.6210% | 6,178 |
| Net interest margin | 3.8111% | 3,818 |
| Noninterest income to average assets | 0.7632% | 2,240 |
| Noninterest expense to average assets | 2.3750% | 5,831 |
| Loan and lease loss provision to assets | 0.4834% | 2,056 |
| Net operating income to assets | 0.7108% | 3,556 |
| Return on assets (ROA) | 0.7526% | 3,536 |
| Pretax return on assets | 1.1991% | 2,638 |
| Return on Equity (ROE) | 4.1210% | 4,944 |
| Retained earnings to average equity (ytd only) | 4.1210% | 3,797 |
| Net charge-offs to loans | 1.0527% | 1,514 |
| Credit loss provision to net charge-offs | 63.3994% | 4,694 |
| Earnings coverage of net charge-offs (x) | 2.1197% | 4,082 |
| Efficiency ratio | 58.0619% | 6,000 |
| Assets per employee ($millions) | 6.5589% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1706% | 1,920 |
| Loan loss allowance to noncurrent loans | 75.8799% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 2.2517% | 2,839 |
| Noncurrent loans to loans | 2.8606% | 2,439 |
| Net loans and leases to total assets | 68.1115% | 2,468 |
| Net loans and leases to deposits | 98.7531% | 528 |
| Net loans and leases to core deposits | 117.1112% | 465 |
| Total domestic deposits to total assets | 66.0758% | 7,197 |
| Equity capital to assets | 17.9628% | 393 |
| Core capital (leverage) ratio | 11.7442% | 1,862 |
| Tier 1 risk-based capital ratio | 14.2325% | 4,176 |
| Total risk-based capital ratio | 15.4928% | 4,131 |
| Memoranda: | ||
| Average total assets | $59,342,295,250 | 32 |
| Average earning assets | $50,262,688,500 | 34 |
| Average equity | $10,836,634,250 | 23 |
| Average total loans | $42,978,110,500 | 24 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 5,321 |
| Cost of funding earning assets | 0.6408% | 6,270 |
| Net interest margin | 3.8692% | 3,443 |
| Noninterest income to average assets | 0.7429% | 2,298 |
| Noninterest expense to average assets | 2.4556% | 5,682 |
| Loan and lease loss provision to assets | 0.5196% | 1,883 |
| Net operating income to assets | 0.6518% | 3,791 |
| Return on assets (ROA) | 0.7099% | 3,606 |
| Pretax return on assets | 1.1261% | 2,744 |
| Return on Equity (ROE) | 3.8651% | 4,998 |
| Retained earnings to average equity (ytd only) | 3.8651% | 3,742 |
| Net charge-offs to loans | 1.0709% | 1,468 |
| Credit loss provision to net charge-offs | 66.0930% | 4,173 |
| Earnings coverage of net charge-offs (x) | 1.9769% | 3,877 |
| Efficiency ratio | 59.7814% | 5,908 |
| Assets per employee ($millions) | 6.3370% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2903% | 1,762 |
| Loan loss allowance to noncurrent loans | 70.4969% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 2.5921% | 2,565 |
| Noncurrent loans to loans | 3.2488% | 2,194 |
| Net loans and leases to total assets | 70.3226% | 2,153 |
| Net loans and leases to deposits | 100.6552% | 461 |
| Net loans and leases to core deposits | 116.1179% | 515 |
| Total domestic deposits to total assets | 66.2635% | 7,256 |
| Equity capital to assets | 18.3046% | 360 |
| Core capital (leverage) ratio | 11.7424% | 1,753 |
| Tier 1 risk-based capital ratio | 14.0506% | 4,136 |
| Total risk-based capital ratio | 15.3123% | 4,100 |
| Memoranda: | ||
| Average total assets | $58,504,094,670 | 32 |
| Average earning assets | $49,398,276,000 | 34 |
| Average equity | $10,745,105,000 | 24 |
| Average total loans | $42,948,657,330 | 25 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 5,213 |
| Cost of funding earning assets | 0.6568% | 6,357 |
| Net interest margin | 3.8804% | 3,238 |
| Noninterest income to average assets | 0.7134% | 2,494 |
| Noninterest expense to average assets | 2.5584% | 5,359 |
| Loan and lease loss provision to assets | 0.4655% | 1,894 |
| Net operating income to assets | 0.6079% | 3,994 |
| Return on assets (ROA) | 0.6393% | 3,880 |
| Pretax return on assets | 1.0054% | 3,116 |
| Return on Equity (ROE) | 3.4748% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.4748% | 4,101 |
| Net charge-offs to loans | 0.7012% | 1,815 |
| Credit loss provision to net charge-offs | 89.5149% | 2,949 |
| Earnings coverage of net charge-offs (x) | 2.7334% | 2,987 |
| Efficiency ratio | 62.8038% | 5,555 |
| Assets per employee ($millions) | 6.3155% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4504% | 1,531 |
| Loan loss allowance to noncurrent loans | 65.5316% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 3.0253% | 2,286 |
| Noncurrent loans to loans | 3.7392% | 1,975 |
| Net loans and leases to total assets | 71.7226% | 1,781 |
| Net loans and leases to deposits | 102.9513% | 346 |
| Net loans and leases to core deposits | 112.6270% | 639 |
| Total domestic deposits to total assets | 66.0691% | 7,326 |
| Equity capital to assets | 18.4141% | 342 |
| Core capital (leverage) ratio | 11.3582% | 1,927 |
| Tier 1 risk-based capital ratio | 13.3638% | 4,533 |
| Total risk-based capital ratio | 14.6279% | 4,504 |
| Memoranda: | ||
| Average total assets | $57,997,629,500 | 32 |
| Average earning assets | $48,818,959,500 | 35 |
| Average equity | $10,670,471,000 | 24 |
| Average total loans | $43,005,504,500 | 25 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6826% | 5,857 |
| Cost of funding earning assets | 1.0925% | 5,172 |
| Net interest margin | 3.5901% | 4,866 |
| Noninterest income to average assets | 0.6466% | 3,173 |
| Noninterest expense to average assets | 2.2718% | 6,430 |
| Loan and lease loss provision to assets | 0.8604% | 1,891 |
| Net operating income to assets | 0.3514% | 4,733 |
| Return on assets (ROA) | 0.3097% | 5,072 |
| Pretax return on assets | 0.4601% | 4,763 |
| Return on Equity (ROE) | 1.8115% | 5,464 |
| Retained earnings to average equity (ytd only) | 1.8115% | 4,597 |
| Net charge-offs to loans | 1.5443% | 1,421 |
| Credit loss provision to net charge-offs | 76.0324% | 5,695 |
| Earnings coverage of net charge-offs (x) | 1.2213% | 4,880 |
| Efficiency ratio | 60.5527% | 5,960 |
| Assets per employee ($millions) | 6.3202% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4563% | 1,468 |
| Loan loss allowance to noncurrent loans | 69.0651% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 2.9606% | 2,379 |
| Noncurrent loans to loans | 3.5564% | 2,120 |
| Net loans and leases to total assets | 72.9472% | 1,887 |
| Net loans and leases to deposits | 106.3441% | 310 |
| Net loans and leases to core deposits | 116.5719% | 622 |
| Total domestic deposits to total assets | 64.9505% | 7,419 |
| Equity capital to assets | 18.3820% | 349 |
| Core capital (leverage) ratio | 11.2155% | 2,002 |
| Tier 1 risk-based capital ratio | 13.3224% | 4,356 |
| Total risk-based capital ratio | 14.5861% | 4,308 |
| Memoranda: | ||
| Average total assets | $59,599,107,000 | 33 |
| Average earning assets | $49,922,419,400 | 33 |
| Average equity | $10,190,377,000 | 23 |
| Average total loans | $43,672,061,400 | 25 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 6,051 |
| Cost of funding earning assets | 1.1729% | 5,022 |
| Net interest margin | 3.5191% | 5,219 |
| Noninterest income to average assets | 0.5864% | 3,534 |
| Noninterest expense to average assets | 2.2154% | 6,567 |
| Loan and lease loss provision to assets | 0.8982% | 1,692 |
| Net operating income to assets | 0.3266% | 5,059 |
| Return on assets (ROA) | 0.2561% | 5,487 |
| Pretax return on assets | 0.3301% | 5,426 |
| Return on Equity (ROE) | 1.5254% | 5,761 |
| Retained earnings to average equity (ytd only) | 1.5254% | 5,191 |
| Net charge-offs to loans | 1.5783% | 1,257 |
| Credit loss provision to net charge-offs | 78.0481% | 5,192 |
| Earnings coverage of net charge-offs (x) | 1.1457% | 4,916 |
| Efficiency ratio | 61.0254% | 5,792 |
| Assets per employee ($millions) | 6.3964% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5475% | 1,273 |
| Loan loss allowance to noncurrent loans | 67.6475% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 3.1213% | 2,314 |
| Noncurrent loans to loans | 3.7659% | 2,051 |
| Net loans and leases to total assets | 72.9726% | 2,017 |
| Net loans and leases to deposits | 110.9153% | 238 |
| Net loans and leases to core deposits | 122.6210% | 536 |
| Total domestic deposits to total assets | 61.8104% | 7,565 |
| Equity capital to assets | 18.2302% | 396 |
| Core capital (leverage) ratio | 10.8492% | 2,374 |
| Tier 1 risk-based capital ratio | 12.7601% | 4,767 |
| Total risk-based capital ratio | 14.0246% | 4,727 |
| Memoranda: | ||
| Average total assets | $60,085,677,250 | 32 |
| Average earning assets | $50,325,646,250 | 33 |
| Average equity | $10,088,538,750 | 23 |
| Average total loans | $43,811,286,750 | 24 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 6,290 |
| Cost of funding earning assets | 1.2807% | 4,645 |
| Net interest margin | 3.3749% | 5,737 |
| Noninterest income to average assets | 0.5637% | 3,600 |
| Noninterest expense to average assets | 2.1903% | 6,668 |
| Loan and lease loss provision to assets | 0.8930% | 1,632 |
| Net operating income to assets | 0.2658% | 5,310 |
| Return on assets (ROA) | 0.2009% | 5,688 |
| Pretax return on assets | 0.2407% | 5,679 |
| Return on Equity (ROE) | 1.2303% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.2303% | 5,260 |
| Net charge-offs to loans | 1.6198% | 1,170 |
| Credit loss provision to net charge-offs | 76.2625% | 4,809 |
| Earnings coverage of net charge-offs (x) | 1.0350% | 4,753 |
| Efficiency ratio | 62.6688% | 5,579 |
| Assets per employee ($millions) | 6.7740% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6054% | 1,184 |
| Loan loss allowance to noncurrent loans | 71.5551% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 2.8670% | 2,516 |
| Noncurrent loans to loans | 3.6412% | 2,166 |
| Net loans and leases to total assets | 69.4659% | 3,025 |
| Net loans and leases to deposits | 113.0461% | 215 |
| Net loans and leases to core deposits | 124.7902% | 552 |
| Total domestic deposits to total assets | 57.8400% | 7,686 |
| Equity capital to assets | 17.1183% | 510 |
| Core capital (leverage) ratio | 10.0919% | 3,073 |
| Tier 1 risk-based capital ratio | 12.4017% | 4,943 |
| Total risk-based capital ratio | 13.6667% | 4,910 |
| Memoranda: | ||
| Average total assets | $60,773,547,330 | 31 |
| Average earning assets | $51,113,316,330 | 33 |
| Average equity | $9,925,547,330 | 22 |
| Average total loans | $43,932,714,000 | 24 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 6,238 |
| Cost of funding earning assets | 1.3696% | 4,360 |
| Net interest margin | 3.3315% | 5,854 |
| Noninterest income to average assets | 0.6640% | 2,860 |
| Noninterest expense to average assets | 2.1437% | 6,824 |
| Loan and lease loss provision to assets | 1.2316% | 987 |
| Net operating income to assets | 0.0815% | 6,074 |
| Return on assets (ROA) | 0.1606% | 5,944 |
| Pretax return on assets | 0.1801% | 5,948 |
| Return on Equity (ROE) | 1.0078% | 6,110 |
| Retained earnings to average equity (ytd only) | 1.0078% | 5,407 |
| Net charge-offs to loans | 1.8052% | 961 |
| Credit loss provision to net charge-offs | 93.7483% | 3,574 |
| Earnings coverage of net charge-offs (x) | 1.0071% | 4,168 |
| Efficiency ratio | 60.1546% | 6,142 |
| Assets per employee ($millions) | 6.8044% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7640% | 1,025 |
| Loan loss allowance to noncurrent loans | 74.5856% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 2.8976% | 2,474 |
| Noncurrent loans to loans | 3.7058% | 2,148 |
| Net loans and leases to total assets | 69.4767% | 3,059 |
| Net loans and leases to deposits | 102.7223% | 607 |
| Net loans and leases to core deposits | 123.1762% | 667 |
| Total domestic deposits to total assets | 58.8190% | 7,772 |
| Equity capital to assets | 16.9490% | 539 |
| Core capital (leverage) ratio | 10.1926% | 2,935 |
| Tier 1 risk-based capital ratio | 11.9366% | 5,268 |
| Total risk-based capital ratio | 13.2029% | 5,204 |
| Memoranda: | ||
| Average total assets | $60,589,475,500 | 31 |
| Average earning assets | $50,972,579,500 | 32 |
| Average equity | $9,655,098,500 | 22 |
| Average total loans | $44,094,649,000 | 23 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 6,905 |
| Cost of funding earning assets | 1.6479% | 4,808 |
| Net interest margin | 3.1733% | 6,178 |
| Noninterest income to average assets | 0.7258% | 2,812 |
| Noninterest expense to average assets | 2.0845% | 7,215 |
| Loan and lease loss provision to assets | 2.0766% | 1,021 |
| Net operating income to assets | -0.3191% | 5,999 |
| Return on assets (ROA) | -0.6323% | 6,298 |
| Pretax return on assets | -1.2409% | 6,566 |
| Return on Equity (ROE) | -4.5424% | 6,170 |
| Retained earnings to average equity (ytd only) | -4.8273% | 5,995 |
| Net charge-offs to loans | 1.8387% | 1,354 |
| Credit loss provision to net charge-offs | 156.4189% | 2,889 |
| Earnings coverage of net charge-offs (x) | 0.9980% | 5,114 |
| Efficiency ratio | 59.4144% | 6,570 |
| Assets per employee ($millions) | 6.6461% | 923 |
| Cash dividends to net income (ytd only)* | -6.2729% | 7,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7445% | 978 |
| Loan loss allowance to noncurrent loans | 73.9589% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 3.0145% | 2,320 |
| Noncurrent loans to loans | 3.7109% | 2,029 |
| Net loans and leases to total assets | 72.0921% | 2,736 |
| Net loans and leases to deposits | 107.5874% | 477 |
| Net loans and leases to core deposits | 137.2586% | 903 |
| Total domestic deposits to total assets | 60.3754% | 7,794 |
| Equity capital to assets | 14.9017% | 931 |
| Core capital (leverage) ratio | 8.4050% | 5,426 |
| Tier 1 risk-based capital ratio | 9.7963% | 7,023 |
| Total risk-based capital ratio | 11.0821% | 6,980 |
| Memoranda: | ||
| Average total assets | $63,791,969,800 | 29 |
| Average earning assets | $53,947,692,200 | 31 |
| Average equity | $8,879,863,400 | 23 |
| Average total loans | $46,060,601,200 | 24 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8210% | 7,078 |
| Cost of funding earning assets | 1.6696% | 5,062 |
| Net interest margin | 3.1514% | 6,173 |
| Noninterest income to average assets | 0.7336% | 2,806 |
| Noninterest expense to average assets | 2.0677% | 7,246 |
| Loan and lease loss provision to assets | 2.0657% | 857 |
| Net operating income to assets | -0.3915% | 6,310 |
| Return on assets (ROA) | -0.6695% | 6,585 |
| Pretax return on assets | -1.1658% | 6,798 |
| Return on Equity (ROE) | -4.8899% | 6,439 |
| Retained earnings to average equity (ytd only) | -5.2704% | 6,285 |
| Net charge-offs to loans | 1.7413% | 1,162 |
| Credit loss provision to net charge-offs | 165.3170% | 2,850 |
| Earnings coverage of net charge-offs (x) | 1.0678% | 4,989 |
| Efficiency ratio | 59.0743% | 6,558 |
| Assets per employee ($millions) | 7.0274% | 783 |
| Cash dividends to net income (ytd only)* | -7.7827% | 7,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5167% | 1,044 |
| Loan loss allowance to noncurrent loans | 72.2484% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 2.6799% | 2,598 |
| Noncurrent loans to loans | 3.4834% | 2,147 |
| Net loans and leases to total assets | 69.3942% | 3,632 |
| Net loans and leases to deposits | 111.2702% | 419 |
| Net loans and leases to core deposits | 149.9081% | 580 |
| Total domestic deposits to total assets | 54.3342% | 7,947 |
| Equity capital to assets | 14.2509% | 1,223 |
| Core capital (leverage) ratio | 8.3650% | 5,722 |
| Tier 1 risk-based capital ratio | 9.7602% | 7,178 |
| Total risk-based capital ratio | 11.0489% | 7,105 |
| Memoranda: | ||
| Average total assets | $64,739,814,750 | 29 |
| Average earning assets | $54,815,332,250 | 32 |
| Average equity | $8,864,557,750 | 24 |
| Average total loans | $46,456,663,750 | 26 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8625% | 7,112 |
| Cost of funding earning assets | 1.7333% | 5,103 |
| Net interest margin | 3.1292% | 6,153 |
| Noninterest income to average assets | 0.6936% | 3,028 |
| Noninterest expense to average assets | 2.1297% | 7,212 |
| Loan and lease loss provision to assets | 2.0975% | 759 |
| Net operating income to assets | -0.5227% | 6,571 |
| Return on assets (ROA) | -0.7005% | 6,752 |
| Pretax return on assets | -1.1705% | 6,917 |
| Return on Equity (ROE) | -5.1850% | 6,630 |
| Retained earnings to average equity (ytd only) | -5.7601% | 6,412 |
| Net charge-offs to loans | 1.6944% | 1,116 |
| Credit loss provision to net charge-offs | 172.0559% | 2,674 |
| Earnings coverage of net charge-offs (x) | 0.9882% | 4,795 |
| Efficiency ratio | 62.1390% | 6,228 |
| Assets per employee ($millions) | 6.6721% | 899 |
| Cash dividends to net income (ytd only)* | -11.0919% | 7,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2179% | 1,210 |
| Loan loss allowance to noncurrent loans | 70.5072% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.4836% | 2,599 |
| Noncurrent loans to loans | 3.1457% | 2,269 |
| Net loans and leases to total assets | 72.8448% | 2,992 |
| Net loans and leases to deposits | 119.5022% | 245 |
| Net loans and leases to core deposits | 156.9421% | 497 |
| Total domestic deposits to total assets | 53.8401% | 8,031 |
| Equity capital to assets | 14.1107% | 1,270 |
| Core capital (leverage) ratio | 7.8878% | 6,509 |
| Tier 1 risk-based capital ratio | 9.1683% | 7,607 |
| Total risk-based capital ratio | 10.4477% | 7,594 |
| Memoranda: | ||
| Average total assets | $65,125,130,330 | 30 |
| Average earning assets | $54,962,480,330 | 33 |
| Average equity | $8,798,994,670 | 23 |
| Average total loans | $46,854,674,670 | 25 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 7,353 |
| Cost of funding earning assets | 1.7752% | 5,240 |
| Net interest margin | 3.0384% | 6,378 |
| Noninterest income to average assets | 0.6950% | 2,920 |
| Noninterest expense to average assets | 2.0615% | 7,209 |
| Loan and lease loss provision to assets | 2.0495% | 585 |
| Net operating income to assets | -0.4257% | 6,808 |
| Return on assets (ROA) | -0.5107% | 6,937 |
| Pretax return on assets | -0.9803% | 7,148 |
| Return on Equity (ROE) | -3.8603% | 6,878 |
| Retained earnings to average equity (ytd only) | -5.0097% | 6,547 |
| Net charge-offs to loans | 1.5512% | 933 |
| Credit loss provision to net charge-offs | 186.7368% | 2,347 |
| Earnings coverage of net charge-offs (x) | 1.0949% | 4,207 |
| Efficiency ratio | 61.4434% | 6,167 |
| Assets per employee ($millions) | 6.9408% | 802 |
| Cash dividends to net income (ytd only)* | -29.7755% | 8,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9183% | 1,583 |
| Loan loss allowance to noncurrent loans | 69.7910% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 2.0614% | 2,808 |
| Noncurrent loans to loans | 2.7487% | 2,384 |
| Net loans and leases to total assets | 69.5898% | 3,780 |
| Net loans and leases to deposits | 120.7951% | 271 |
| Net loans and leases to core deposits | 163.8756% | 437 |
| Total domestic deposits to total assets | 48.6807% | 8,107 |
| Equity capital to assets | 13.4271% | 1,559 |
| Core capital (leverage) ratio | 8.0502% | 6,380 |
| Tier 1 risk-based capital ratio | 9.3064% | 7,584 |
| Total risk-based capital ratio | 10.5812% | 7,535 |
| Memoranda: | ||
| Average total assets | $66,552,556,500 | 30 |
| Average earning assets | $56,256,343,000 | 32 |
| Average equity | $8,805,111,000 | 24 |
| Average total loans | $47,087,256,000 | 26 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7547% | 6,581 |
| Cost of funding earning assets | 2.4730% | 4,349 |
| Net interest margin | 3.2817% | 6,100 |
| Noninterest income to average assets | 0.8668% | 2,125 |
| Noninterest expense to average assets | 2.0042% | 7,433 |
| Loan and lease loss provision to assets | 1.1082% | 1,309 |
| Net operating income to assets | 0.5924% | 4,334 |
| Return on assets (ROA) | 0.1450% | 5,817 |
| Pretax return on assets | 0.0806% | 5,988 |
| Return on Equity (ROE) | 1.0468% | 5,904 |
| Retained earnings to average equity (ytd only) | -1.7132% | 5,793 |
| Net charge-offs to loans | 0.8610% | 1,453 |
| Credit loss provision to net charge-offs | 179.2836% | 2,817 |
| Earnings coverage of net charge-offs (x) | 2.6470% | 4,765 |
| Efficiency ratio | 53.3105% | 7,348 |
| Assets per employee ($millions) | 6.9903% | 710 |
| Cash dividends to net income (ytd only)* | 263.6630% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 2,348 |
| Loan loss allowance to noncurrent loans | 81.1375% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.4248% | 3,351 |
| Noncurrent loans to loans | 1.9399% | 2,846 |
| Net loans and leases to total assets | 69.4446% | 4,155 |
| Net loans and leases to deposits | 124.6651% | 292 |
| Net loans and leases to core deposits | 173.4869% | 352 |
| Total domestic deposits to total assets | 47.3237% | 8,144 |
| Equity capital to assets | 13.0355% | 1,767 |
| Core capital (leverage) ratio | 7.6506% | 7,003 |
| Tier 1 risk-based capital ratio | 9.1509% | 7,665 |
| Total risk-based capital ratio | 10.4425% | 7,579 |
| Memoranda: | ||
| Average total assets | $63,531,794,400 | 32 |
| Average earning assets | $53,693,032,200 | 33 |
| Average equity | $8,802,565,600 | 24 |
| Average total loans | $45,608,728,800 | 25 |