Home > BankUnited > Performance and Condition Ratios
BankUnited, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4191% | 1,279 |
| Cost of funding earning assets | 2.7600% | 224 |
| Net interest margin | 2.6591% | 3,885 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 1.7220% | 4,108 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 0.6189% | 3,391 |
| Return on assets (ROA) | 0.6229% | 3,366 |
| Pretax return on assets | 0.8200% | 3,163 |
| Return on Equity (ROE) | 7.7000% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.7976% | 2,674 |
| Net charge-offs to loans | 0.0907% | 971 |
| Credit loss provision to net charge-offs | 352.5439% | 847 |
| Earnings coverage of net charge-offs (x) | 17.0791% | 1,980 |
| Efficiency ratio | 61.9606% | 2,834 |
| Assets per employee ($millions) | 22.3118% | 81 |
| Cash dividends to net income (ytd only)* | 37.7295% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8228% | 3,909 |
| Loan loss allowance to noncurrent loans | 50.0907% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.1427% | 396 |
| Noncurrent loans to loans | 1.6426% | 390 |
| Net loans and leases to total assets | 68.3900% | 1,988 |
| Net loans and leases to deposits | 91.0831% | 1,175 |
| Net loans and leases to core deposits | 118.7592% | 661 |
| Total domestic deposits to total assets | 75.0900% | 4,022 |
| Equity capital to assets | 8.3961% | 3,125 |
| Core capital (leverage) ratio | 9.1063% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8875% | 1,902 |
| Memoranda: | ||
| Average total assets | $36,167,506,000 | 62 |
| Average earning assets | $34,222,356,000 | 59 |
| Average equity | $2,924,111,200 | 72 |
| Average total loans | $24,682,246,600 | 54 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 1,239 |
| Cost of funding earning assets | 2.6749% | 203 |
| Net interest margin | 2.6556% | 3,941 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 1.6121% | 4,229 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 0.7085% | 3,300 |
| Return on assets (ROA) | 0.7138% | 3,271 |
| Pretax return on assets | 0.9464% | 2,987 |
| Return on Equity (ROE) | 8.9100% | 2,952 |
| Retained earnings to average equity (ytd only) | 6.6184% | 2,428 |
| Net charge-offs to loans | 0.0689% | 986 |
| Credit loss provision to net charge-offs | 491.2747% | 640 |
| Earnings coverage of net charge-offs (x) | 25.4034% | 1,687 |
| Efficiency ratio | 57.5128% | 3,265 |
| Assets per employee ($millions) | 21.9228% | 81 |
| Cash dividends to net income (ytd only)* | 25.7440% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8046% | 3,970 |
| Loan loss allowance to noncurrent loans | 43.4618% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2867% | 329 |
| Noncurrent loans to loans | 1.8512% | 348 |
| Net loans and leases to total assets | 68.4000% | 2,004 |
| Net loans and leases to deposits | 91.4440% | 1,102 |
| Net loans and leases to core deposits | 120.5416% | 538 |
| Total domestic deposits to total assets | 74.8000% | 4,102 |
| Equity capital to assets | 8.3571% | 2,823 |
| Core capital (leverage) ratio | 9.0796% | 3,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9346% | 1,920 |
| Memoranda: | ||
| Average total assets | $36,279,097,500 | 63 |
| Average earning assets | $34,315,704,750 | 60 |
| Average equity | $2,905,341,750 | 73 |
| Average total loans | $24,694,387,250 | 55 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2116% | 1,200 |
| Cost of funding earning assets | 2.5580% | 169 |
| Net interest margin | 2.6536% | 4,033 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 1.6141% | 4,246 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.7388% | 3,246 |
| Return on assets (ROA) | 0.7457% | 3,252 |
| Pretax return on assets | 0.9997% | 2,911 |
| Return on Equity (ROE) | 9.4400% | 2,849 |
| Retained earnings to average equity (ytd only) | 9.4440% | 1,564 |
| Net charge-offs to loans | 0.0896% | 729 |
| Credit loss provision to net charge-offs | 286.1644% | 884 |
| Earnings coverage of net charge-offs (x) | 19.4981% | 1,744 |
| Efficiency ratio | 57.6879% | 3,225 |
| Assets per employee ($millions) | 21.7403% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6774% | 4,218 |
| Loan loss allowance to noncurrent loans | 33.9113% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.3806% | 271 |
| Noncurrent loans to loans | 1.9974% | 281 |
| Net loans and leases to total assets | 68.3600% | 1,931 |
| Net loans and leases to deposits | 93.8405% | 882 |
| Net loans and leases to core deposits | 125.5404% | 396 |
| Total domestic deposits to total assets | 72.8500% | 4,257 |
| Equity capital to assets | 8.3282% | 3,001 |
| Core capital (leverage) ratio | 8.7865% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6232% | 2,052 |
| Memoranda: | ||
| Average total assets | $36,592,282,333 | 61 |
| Average earning assets | $34,623,217,333 | 58 |
| Average equity | $2,889,340,667 | 72 |
| Average total loans | $24,802,957,333 | 55 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 1,193 |
| Cost of funding earning assets | 2.3184% | 146 |
| Net interest margin | 2.7022% | 4,071 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.6611% | 4,239 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.7408% | 3,369 |
| Return on assets (ROA) | 0.7472% | 3,305 |
| Pretax return on assets | 1.0024% | 2,986 |
| Return on Equity (ROE) | 9.7200% | 2,869 |
| Retained earnings to average equity (ytd only) | 9.7203% | 1,760 |
| Net charge-offs to loans | 0.0796% | 673 |
| Credit loss provision to net charge-offs | 355.0959% | 638 |
| Earnings coverage of net charge-offs (x) | 22.5526% | 1,422 |
| Efficiency ratio | 57.8918% | 3,203 |
| Assets per employee ($millions) | 22.6605% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6379% | 4,318 |
| Loan loss allowance to noncurrent loans | 28.7437% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.4980% | 221 |
| Noncurrent loans to loans | 2.2193% | 233 |
| Net loans and leases to total assets | 66.6800% | 1,990 |
| Net loans and leases to deposits | 95.2143% | 704 |
| Net loans and leases to core deposits | 123.9110% | 364 |
| Total domestic deposits to total assets | 70.0300% | 4,418 |
| Equity capital to assets | 7.8467% | 3,349 |
| Core capital (leverage) ratio | 8.5767% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1089% | 2,350 |
| Memoranda: | ||
| Average total assets | $36,996,195,000 | 64 |
| Average earning assets | $35,023,123,000 | 60 |
| Average equity | $2,843,914,000 | 74 |
| Average total loans | $24,889,441,000 | 57 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5620% | 2,909 |
| Cost of funding earning assets | 0.8149% | 367 |
| Net interest margin | 2.7471% | 3,982 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.4434% | 4,476 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.9241% | 2,868 |
| Return on assets (ROA) | 0.9327% | 2,779 |
| Pretax return on assets | 1.2161% | 2,384 |
| Return on Equity (ROE) | 11.0100% | 2,477 |
| Retained earnings to average equity (ytd only) | -8.6436% | 4,618 |
| Net charge-offs to loans | 0.2173% | 376 |
| Credit loss provision to net charge-offs | 141.0683% | 1,341 |
| Earnings coverage of net charge-offs (x) | 9.8063% | 2,215 |
| Efficiency ratio | 50.5489% | 4,095 |
| Assets per employee ($millions) | 22.9033% | 78 |
| Cash dividends to net income (ytd only)* | 178.5135% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5945% | 4,346 |
| Loan loss allowance to noncurrent loans | 24.7330% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.6264% | 179 |
| Noncurrent loans to loans | 2.4037% | 197 |
| Net loans and leases to total assets | 67.0500% | 1,926 |
| Net loans and leases to deposits | 88.9856% | 1,119 |
| Net loans and leases to core deposits | 110.3351% | 600 |
| Total domestic deposits to total assets | 75.3400% | 4,293 |
| Equity capital to assets | 7.5265% | 3,371 |
| Core capital (leverage) ratio | 8.4350% | 4,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9153% | 2,409 |
| Memoranda: | ||
| Average total assets | $36,337,089,600 | 67 |
| Average earning assets | $34,453,456,800 | 62 |
| Average equity | $3,078,459,000 | 73 |
| Average total loans | $24,078,762,400 | 61 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2111% | 3,409 |
| Cost of funding earning assets | 0.5117% | 717 |
| Net interest margin | 2.6994% | 3,928 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.3924% | 4,517 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.9734% | 2,577 |
| Return on assets (ROA) | 0.9848% | 2,504 |
| Pretax return on assets | 1.2910% | 2,073 |
| Return on Equity (ROE) | 11.3000% | 2,271 |
| Retained earnings to average equity (ytd only) | -8.9896% | 4,663 |
| Net charge-offs to loans | 0.1630% | 399 |
| Credit loss provision to net charge-offs | 114.4355% | 1,245 |
| Earnings coverage of net charge-offs (x) | 13.0894% | 1,896 |
| Efficiency ratio | 49.7316% | 4,176 |
| Assets per employee ($millions) | 23.3792% | 73 |
| Cash dividends to net income (ytd only)* | 179.5346% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 4,443 |
| Loan loss allowance to noncurrent loans | 17.7561% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 2.0203% | 127 |
| Noncurrent loans to loans | 3.0326% | 153 |
| Net loans and leases to total assets | 66.1800% | 1,868 |
| Net loans and leases to deposits | 87.2676% | 1,083 |
| Net loans and leases to core deposits | 107.0336% | 561 |
| Total domestic deposits to total assets | 75.8300% | 4,373 |
| Equity capital to assets | 7.8436% | 2,991 |
| Core capital (leverage) ratio | 8.7784% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4056% | 2,308 |
| Memoranda: | ||
| Average total assets | $36,197,066,000 | 68 |
| Average earning assets | $34,327,056,250 | 64 |
| Average equity | $3,153,803,500 | 72 |
| Average total loans | $23,876,956,000 | 62 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9281% | 3,725 |
| Cost of funding earning assets | 0.2965% | 1,746 |
| Net interest margin | 2.6316% | 3,849 |
| Noninterest income to average assets | 0.2367% | 3,757 |
| Noninterest expense to average assets | 1.3467% | 4,564 |
| Loan and lease loss provision to assets | 0.1763% | 499 |
| Net operating income to assets | 0.9192% | 2,496 |
| Return on assets (ROA) | 0.9348% | 2,401 |
| Pretax return on assets | 1.2301% | 1,960 |
| Return on Equity (ROE) | 10.3805% | 2,194 |
| Retained earnings to average equity (ytd only) | -11.1480% | 4,681 |
| Net charge-offs to loans | 0.2263% | 285 |
| Credit loss provision to net charge-offs | 114.0747% | 1,203 |
| Earnings coverage of net charge-offs (x) | 9.3154% | 1,791 |
| Efficiency ratio | 49.2703% | 4,294 |
| Assets per employee ($millions) | 23.6396% | 67 |
| Cash dividends to net income (ytd only)* | 207.3939% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5403% | 4,514 |
| Loan loss allowance to noncurrent loans | 17.2287% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 2.0792% | 131 |
| Noncurrent loans to loans | 3.1359% | 156 |
| Net loans and leases to total assets | 65.8158% | 1,720 |
| Net loans and leases to deposits | 83.7151% | 1,142 |
| Net loans and leases to core deposits | 100.0954% | 667 |
| Total domestic deposits to total assets | 78.6188% | 4,318 |
| Equity capital to assets | 8.1789% | 2,983 |
| Core capital (leverage) ratio | 8.8274% | 3,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7911% | 2,159 |
| Memoranda: | ||
| Average total assets | $36,105,593,333 | 66 |
| Average earning assets | $34,252,528,667 | 63 |
| Average equity | $3,251,507,000 | 69 |
| Average total loans | $23,747,030,667 | 60 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7564% | 3,830 |
| Cost of funding earning assets | 0.2141% | 2,609 |
| Net interest margin | 2.5422% | 3,804 |
| Noninterest income to average assets | 0.2419% | 3,695 |
| Noninterest expense to average assets | 1.3356% | 4,596 |
| Loan and lease loss provision to assets | 0.0871% | 952 |
| Net operating income to assets | 0.9398% | 2,111 |
| Return on assets (ROA) | 0.9633% | 2,020 |
| Pretax return on assets | 1.2633% | 1,608 |
| Return on Equity (ROE) | 10.2216% | 1,880 |
| Retained earnings to average equity (ytd only) | -1.5864% | 4,208 |
| Net charge-offs to loans | 0.1436% | 398 |
| Credit loss provision to net charge-offs | 88.0142% | 1,089 |
| Earnings coverage of net charge-offs (x) | 14.0285% | 1,376 |
| Efficiency ratio | 50.2796% | 4,303 |
| Assets per employee ($millions) | 23.8961% | 71 |
| Cash dividends to net income (ytd only)* | 115.5201% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5368% | 4,553 |
| Loan loss allowance to noncurrent loans | 14.6523% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.3697% | 109 |
| Noncurrent loans to loans | 3.6634% | 118 |
| Net loans and leases to total assets | 64.2069% | 1,599 |
| Net loans and leases to deposits | 80.8585% | 1,089 |
| Net loans and leases to core deposits | 97.1907% | 604 |
| Total domestic deposits to total assets | 79.4064% | 4,321 |
| Equity capital to assets | 9.1428% | 2,584 |
| Core capital (leverage) ratio | 9.5822% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9779% | 1,802 |
| Memoranda: | ||
| Average total assets | $35,944,103,000 | 67 |
| Average earning assets | $34,136,964,000 | 65 |
| Average equity | $3,387,539,000 | 68 |
| Average total loans | $23,567,541,000 | 60 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8592% | 4,120 |
| Cost of funding earning assets | 0.3813% | 1,675 |
| Net interest margin | 2.4779% | 4,219 |
| Noninterest income to average assets | 0.3562% | 3,304 |
| Noninterest expense to average assets | 1.5042% | 4,542 |
| Loan and lease loss provision to assets | -0.1903% | 4,683 |
| Net operating income to assets | 1.2684% | 1,693 |
| Return on assets (ROA) | 1.2917% | 1,671 |
| Pretax return on assets | 1.4189% | 1,987 |
| Return on Equity (ROE) | 13.3310% | 1,366 |
| Retained earnings to average equity (ytd only) | 4.2032% | 3,136 |
| Net charge-offs to loans | 0.2845% | 314 |
| Credit loss provision to net charge-offs | -97.0577% | 3,352 |
| Earnings coverage of net charge-offs (x) | 6.3911% | 2,402 |
| Efficiency ratio | 55.5609% | 3,749 |
| Assets per employee ($millions) | 24.2759% | 71 |
| Cash dividends to net income (ytd only)* | 68.4703% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5321% | 4,597 |
| Loan loss allowance to noncurrent loans | 13.4978% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 2.6317% | 94 |
| Noncurrent loans to loans | 3.9422% | 106 |
| Net loans and leases to total assets | 66.2414% | 1,445 |
| Net loans and leases to deposits | 79.7745% | 1,237 |
| Net loans and leases to core deposits | 96.9322% | 660 |
| Total domestic deposits to total assets | 83.0358% | 3,798 |
| Equity capital to assets | 9.7102% | 2,932 |
| Core capital (leverage) ratio | 9.5998% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9136% | 1,884 |
| Memoranda: | ||
| Average total assets | $35,277,462,400 | 64 |
| Average earning assets | $33,472,467,200 | 63 |
| Average equity | $3,418,126,200 | 70 |
| Average total loans | $23,344,730,200 | 58 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8763% | 4,203 |
| Cost of funding earning assets | 0.4187% | 1,556 |
| Net interest margin | 2.4576% | 4,337 |
| Noninterest income to average assets | 0.3083% | 3,585 |
| Noninterest expense to average assets | 1.3171% | 4,742 |
| Loan and lease loss provision to assets | -0.2553% | 4,802 |
| Net operating income to assets | 1.1880% | 2,208 |
| Return on assets (ROA) | 1.2108% | 2,189 |
| Pretax return on assets | 1.6069% | 1,675 |
| Return on Equity (ROE) | 12.5031% | 1,864 |
| Retained earnings to average equity (ytd only) | 4.2051% | 3,511 |
| Net charge-offs to loans | 0.1847% | 464 |
| Credit loss provision to net charge-offs | -203.5824% | 3,396 |
| Earnings coverage of net charge-offs (x) | 10.8423% | 2,024 |
| Efficiency ratio | 49.8935% | 4,230 |
| Assets per employee ($millions) | 23.9830% | 75 |
| Cash dividends to net income (ytd only)* | 66.3674% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6998% | 4,504 |
| Loan loss allowance to noncurrent loans | 16.7169% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 2.7253% | 108 |
| Noncurrent loans to loans | 4.1863% | 117 |
| Net loans and leases to total assets | 64.3729% | 1,724 |
| Net loans and leases to deposits | 79.5249% | 1,332 |
| Net loans and leases to core deposits | 93.4807% | 848 |
| Total domestic deposits to total assets | 80.9468% | 4,101 |
| Equity capital to assets | 9.7057% | 3,183 |
| Core capital (leverage) ratio | 9.5621% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4211% | 1,823 |
| Memoranda: | ||
| Average total assets | $35,175,439,750 | 65 |
| Average earning assets | $33,371,151,500 | 62 |
| Average equity | $3,406,373,750 | 70 |
| Average total loans | $23,239,649,500 | 60 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9139% | 4,203 |
| Cost of funding earning assets | 0.4471% | 1,544 |
| Net interest margin | 2.4668% | 4,345 |
| Noninterest income to average assets | 0.3170% | 3,530 |
| Noninterest expense to average assets | 1.3263% | 4,774 |
| Loan and lease loss provision to assets | -0.3157% | 4,847 |
| Net operating income to assets | 1.2340% | 2,068 |
| Return on assets (ROA) | 1.2646% | 2,051 |
| Pretax return on assets | 1.6862% | 1,515 |
| Return on Equity (ROE) | 13.0682% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.7754% | 967 |
| Net charge-offs to loans | 0.2370% | 369 |
| Credit loss provision to net charge-offs | -194.7496% | 3,193 |
| Earnings coverage of net charge-offs (x) | 8.4514% | 1,881 |
| Efficiency ratio | 49.8976% | 4,245 |
| Assets per employee ($millions) | 24.9710% | 67 |
| Cash dividends to net income (ytd only)* | 9.8924% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7675% | 4,423 |
| Loan loss allowance to noncurrent loans | 17.1220% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 2.8936% | 99 |
| Noncurrent loans to loans | 4.4825% | 106 |
| Net loans and leases to total assets | 63.8198% | 1,970 |
| Net loans and leases to deposits | 78.5329% | 1,573 |
| Net loans and leases to core deposits | 89.9222% | 1,146 |
| Total domestic deposits to total assets | 81.2650% | 4,050 |
| Equity capital to assets | 9.8723% | 2,979 |
| Core capital (leverage) ratio | 9.8357% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7008% | 1,721 |
| Memoranda: | ||
| Average total assets | $35,172,901,333 | 63 |
| Average earning assets | $33,379,710,667 | 61 |
| Average equity | $3,403,573,000 | 70 |
| Average total loans | $23,383,543,000 | 59 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9508% | 4,182 |
| Cost of funding earning assets | 0.4838% | 1,490 |
| Net interest margin | 2.4670% | 4,347 |
| Noninterest income to average assets | 0.3194% | 3,494 |
| Noninterest expense to average assets | 1.3489% | 4,784 |
| Loan and lease loss provision to assets | -0.3202% | 4,867 |
| Net operating income to assets | 1.2335% | 2,033 |
| Return on assets (ROA) | 1.2693% | 1,998 |
| Pretax return on assets | 1.6787% | 1,541 |
| Return on Equity (ROE) | 13.2537% | 1,600 |
| Retained earnings to average equity (ytd only) | 13.2537% | 864 |
| Net charge-offs to loans | 0.1707% | 470 |
| Credit loss provision to net charge-offs | -260.8946% | 3,027 |
| Earnings coverage of net charge-offs (x) | 11.3847% | 1,457 |
| Efficiency ratio | 50.6719% | 4,131 |
| Assets per employee ($millions) | 23.8771% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 4,033 |
| Loan loss allowance to noncurrent loans | 25.2705% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.5018% | 163 |
| Noncurrent loans to loans | 3.7402% | 160 |
| Net loans and leases to total assets | 66.0568% | 1,797 |
| Net loans and leases to deposits | 82.5737% | 1,290 |
| Net loans and leases to core deposits | 97.8707% | 810 |
| Total domestic deposits to total assets | 79.9973% | 4,205 |
| Equity capital to assets | 9.7272% | 2,969 |
| Core capital (leverage) ratio | 9.7727% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4877% | 1,744 |
| Memoranda: | ||
| Average total assets | $34,967,503,000 | 63 |
| Average earning assets | $33,204,182,500 | 62 |
| Average equity | $3,348,897,000 | 72 |
| Average total loans | $23,632,777,500 | 60 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3033% | 4,325 |
| Cost of funding earning assets | 0.8892% | 882 |
| Net interest margin | 2.4141% | 4,648 |
| Noninterest income to average assets | 0.3380% | 3,440 |
| Noninterest expense to average assets | 1.2918% | 4,875 |
| Loan and lease loss provision to assets | 0.5390% | 420 |
| Net operating income to assets | 0.6259% | 3,665 |
| Return on assets (ROA) | 0.6583% | 3,689 |
| Pretax return on assets | 0.8290% | 3,556 |
| Return on Equity (ROE) | 7.3212% | 3,066 |
| Retained earnings to average equity (ytd only) | 7.3212% | 1,273 |
| Net charge-offs to loans | 0.2586% | 670 |
| Credit loss provision to net charge-offs | 298.9572% | 1,738 |
| Earnings coverage of net charge-offs (x) | 7.4274% | 2,697 |
| Efficiency ratio | 49.3246% | 4,573 |
| Assets per employee ($millions) | 23.7303% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 3,572 |
| Loan loss allowance to noncurrent loans | 31.0669% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 2.3832% | 195 |
| Noncurrent loans to loans | 3.4670% | 205 |
| Net loans and leases to total assets | 67.7495% | 1,855 |
| Net loans and leases to deposits | 84.9754% | 1,360 |
| Net loans and leases to core deposits | 104.1475% | 716 |
| Total domestic deposits to total assets | 79.7284% | 4,088 |
| Equity capital to assets | 9.4264% | 3,679 |
| Core capital (leverage) ratio | 9.5432% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7593% | 1,951 |
| Memoranda: | ||
| Average total assets | $34,137,993,800 | 61 |
| Average earning assets | $32,254,092,600 | 59 |
| Average equity | $3,069,629,400 | 74 |
| Average total loans | $23,581,241,600 | 57 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3907% | 4,357 |
| Cost of funding earning assets | 0.9905% | 787 |
| Net interest margin | 2.4001% | 4,723 |
| Noninterest income to average assets | 0.3443% | 3,412 |
| Noninterest expense to average assets | 1.2866% | 4,910 |
| Loan and lease loss provision to assets | 0.7178% | 287 |
| Net operating income to assets | 0.4790% | 4,088 |
| Return on assets (ROA) | 0.5085% | 4,101 |
| Pretax return on assets | 0.6428% | 4,024 |
| Return on Equity (ROE) | 5.7267% | 3,648 |
| Retained earnings to average equity (ytd only) | 5.7267% | 2,225 |
| Net charge-offs to loans | 0.2436% | 629 |
| Credit loss provision to net charge-offs | 421.7200% | 1,420 |
| Earnings coverage of net charge-offs (x) | 7.8462% | 2,543 |
| Efficiency ratio | 49.2953% | 4,538 |
| Assets per employee ($millions) | 23.9505% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 2,926 |
| Loan loss allowance to noncurrent loans | 34.6471% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 2.2761% | 255 |
| Noncurrent loans to loans | 3.3267% | 258 |
| Net loans and leases to total assets | 67.3690% | 2,339 |
| Net loans and leases to deposits | 87.1643% | 1,574 |
| Net loans and leases to core deposits | 109.9912% | 703 |
| Total domestic deposits to total assets | 77.2897% | 4,289 |
| Equity capital to assets | 9.0565% | 4,072 |
| Core capital (leverage) ratio | 9.5119% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3720% | 2,043 |
| Memoranda: | ||
| Average total assets | $33,951,620,500 | 62 |
| Average earning assets | $32,046,794,250 | 59 |
| Average equity | $3,014,973,750 | 74 |
| Average total loans | $23,503,872,500 | 58 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 4,363 |
| Cost of funding earning assets | 1.1356% | 639 |
| Net interest margin | 2.4047% | 4,791 |
| Noninterest income to average assets | 0.3503% | 3,380 |
| Noninterest expense to average assets | 1.3144% | 4,944 |
| Loan and lease loss provision to assets | 0.9124% | 245 |
| Net operating income to assets | 0.3127% | 4,397 |
| Return on assets (ROA) | 0.3472% | 4,396 |
| Pretax return on assets | 0.4331% | 4,367 |
| Return on Equity (ROE) | 3.9365% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.9365% | 2,943 |
| Net charge-offs to loans | 0.1991% | 768 |
| Credit loss provision to net charge-offs | 658.5511% | 1,040 |
| Earnings coverage of net charge-offs (x) | 9.4003% | 2,223 |
| Efficiency ratio | 50.2243% | 4,490 |
| Assets per employee ($millions) | 23.2012% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 2,957 |
| Loan loss allowance to noncurrent loans | 30.3979% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 2.5381% | 218 |
| Noncurrent loans to loans | 3.6726% | 204 |
| Net loans and leases to total assets | 68.0934% | 2,339 |
| Net loans and leases to deposits | 89.1694% | 1,430 |
| Net loans and leases to core deposits | 114.5573% | 582 |
| Total domestic deposits to total assets | 76.3641% | 4,392 |
| Equity capital to assets | 8.7475% | 4,312 |
| Core capital (leverage) ratio | 9.2870% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3061% | 2,070 |
| Memoranda: | ||
| Average total assets | $33,636,873,000 | 62 |
| Average earning assets | $31,703,126,333 | 59 |
| Average equity | $2,966,517,667 | 76 |
| Average total loans | $23,410,786,333 | 58 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7571% | 4,286 |
| Cost of funding earning assets | 1.3880% | 420 |
| Net interest margin | 2.3691% | 4,893 |
| Noninterest income to average assets | 0.3216% | 3,595 |
| Noninterest expense to average assets | 1.4589% | 4,940 |
| Loan and lease loss provision to assets | 1.4706% | 107 |
| Net operating income to assets | -0.2828% | 4,881 |
| Return on assets (ROA) | -0.2682% | 4,849 |
| Pretax return on assets | -0.3544% | 4,852 |
| Return on Equity (ROE) | -3.0282% | 4,872 |
| Retained earnings to average equity (ytd only) | -3.0282% | 4,354 |
| Net charge-offs to loans | 0.1252% | 957 |
| Credit loss provision to net charge-offs | 1,678.3501% | 385 |
| Earnings coverage of net charge-offs (x) | 12.5282% | 1,689 |
| Efficiency ratio | 57.0585% | 4,107 |
| Assets per employee ($millions) | 22.2229% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,312 |
| Loan loss allowance to noncurrent loans | 30.5066% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 2.4620% | 282 |
| Noncurrent loans to loans | 3.5402% | 262 |
| Net loans and leases to total assets | 68.4866% | 2,472 |
| Net loans and leases to deposits | 91.2531% | 1,371 |
| Net loans and leases to core deposits | 119.8257% | 472 |
| Total domestic deposits to total assets | 75.0513% | 4,580 |
| Equity capital to assets | 8.2563% | 4,912 |
| Core capital (leverage) ratio | 9.3128% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6972% | 2,397 |
| Memoranda: | ||
| Average total assets | $33,147,189,000 | 62 |
| Average earning assets | $31,270,714,000 | 58 |
| Average equity | $2,935,757,000 | 77 |
| Average total loans | $23,197,423,500 | 58 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1476% | 3,933 |
| Cost of funding earning assets | 1.6487% | 241 |
| Net interest margin | 2.4988% | 4,968 |
| Noninterest income to average assets | 0.3701% | 3,487 |
| Noninterest expense to average assets | 1.4365% | 5,029 |
| Loan and lease loss provision to assets | 0.0273% | 3,467 |
| Net operating income to assets | 0.9828% | 2,902 |
| Return on assets (ROA) | 1.0276% | 2,836 |
| Pretax return on assets | 1.3238% | 2,423 |
| Return on Equity (ROE) | 10.8865% | 1,929 |
| Retained earnings to average equity (ytd only) | 0.9963% | 4,384 |
| Net charge-offs to loans | 0.0448% | 2,486 |
| Credit loss provision to net charge-offs | 87.6033% | 2,681 |
| Earnings coverage of net charge-offs (x) | 41.6041% | 1,284 |
| Efficiency ratio | 52.5982% | 4,558 |
| Assets per employee ($millions) | 21.7533% | 51 |
| Cash dividends to net income (ytd only)* | 90.8487% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4686% | 4,925 |
| Loan loss allowance to noncurrent loans | 14.7639% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 2.2572% | 312 |
| Noncurrent loans to loans | 3.1736% | 279 |
| Net loans and leases to total assets | 70.4170% | 2,327 |
| Net loans and leases to deposits | 93.7371% | 1,184 |
| Net loans and leases to core deposits | 121.4114% | 440 |
| Total domestic deposits to total assets | 75.1218% | 4,693 |
| Equity capital to assets | 9.4706% | 4,377 |
| Core capital (leverage) ratio | 9.2992% | 4,279 |
| Tier 1 risk-based capital ratio | 12.8876% | 3,848 |
| Total risk-based capital ratio | 13.3570% | 4,185 |
| Memoranda: | ||
| Average total assets | $32,670,976,000 | 60 |
| Average earning assets | $30,865,200,000 | 55 |
| Average equity | $3,083,844,000 | 71 |
| Average total loans | $22,662,580,200 | 57 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1993% | 3,920 |
| Cost of funding earning assets | 1.6859% | 210 |
| Net interest margin | 2.5134% | 5,057 |
| Noninterest income to average assets | 0.3712% | 3,493 |
| Noninterest expense to average assets | 1.4525% | 5,092 |
| Loan and lease loss provision to assets | 0.0383% | 3,135 |
| Net operating income to assets | 0.9389% | 3,211 |
| Return on assets (ROA) | 0.9766% | 3,140 |
| Pretax return on assets | 1.3020% | 2,665 |
| Return on Equity (ROE) | 10.3546% | 2,268 |
| Retained earnings to average equity (ytd only) | -0.6889% | 4,831 |
| Net charge-offs to loans | 0.0642% | 1,900 |
| Credit loss provision to net charge-offs | 86.4508% | 2,433 |
| Earnings coverage of net charge-offs (x) | 29.1910% | 1,651 |
| Efficiency ratio | 52.9052% | 4,517 |
| Assets per employee ($millions) | 21.6846% | 55 |
| Cash dividends to net income (ytd only)* | 106.6535% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4736% | 5,005 |
| Loan loss allowance to noncurrent loans | 19.3913% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.7149% | 591 |
| Noncurrent loans to loans | 2.4423% | 485 |
| Net loans and leases to total assets | 69.3360% | 2,575 |
| Net loans and leases to deposits | 94.0718% | 1,213 |
| Net loans and leases to core deposits | 120.5777% | 522 |
| Total domestic deposits to total assets | 73.7054% | 4,827 |
| Equity capital to assets | 9.3119% | 4,587 |
| Core capital (leverage) ratio | 9.1433% | 4,518 |
| Tier 1 risk-based capital ratio | 12.9073% | 3,902 |
| Total risk-based capital ratio | 13.3848% | 4,240 |
| Memoranda: | ||
| Average total assets | $32,643,170,250 | 60 |
| Average earning assets | $30,831,531,000 | 56 |
| Average equity | $3,078,639,750 | 72 |
| Average total loans | $22,529,996,750 | 58 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 3,907 |
| Cost of funding earning assets | 1.6699% | 208 |
| Net interest margin | 2.5381% | 5,107 |
| Noninterest income to average assets | 0.3684% | 3,477 |
| Noninterest expense to average assets | 1.4742% | 5,132 |
| Loan and lease loss provision to assets | 0.0463% | 2,892 |
| Net operating income to assets | 0.9249% | 3,189 |
| Return on assets (ROA) | 0.9649% | 3,117 |
| Pretax return on assets | 1.2991% | 2,559 |
| Return on Equity (ROE) | 10.1871% | 2,298 |
| Retained earnings to average equity (ytd only) | -0.8359% | 4,808 |
| Net charge-offs to loans | 0.0475% | 1,964 |
| Credit loss provision to net charge-offs | 141.5101% | 1,554 |
| Earnings coverage of net charge-offs (x) | 39.6005% | 1,254 |
| Efficiency ratio | 53.2354% | 4,541 |
| Assets per employee ($millions) | 21.0136% | 53 |
| Cash dividends to net income (ytd only)* | 108.2051% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4915% | 5,032 |
| Loan loss allowance to noncurrent loans | 26.2191% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.3260% | 944 |
| Noncurrent loans to loans | 1.8745% | 798 |
| Net loans and leases to total assets | 68.7758% | 2,710 |
| Net loans and leases to deposits | 94.1713% | 1,243 |
| Net loans and leases to core deposits | 120.0881% | 545 |
| Total domestic deposits to total assets | 73.0326% | 4,905 |
| Equity capital to assets | 9.3162% | 4,562 |
| Core capital (leverage) ratio | 9.2778% | 4,380 |
| Tier 1 risk-based capital ratio | 12.8832% | 3,902 |
| Total risk-based capital ratio | 13.3747% | 4,235 |
| Memoranda: | ||
| Average total assets | $32,566,292,330 | 59 |
| Average earning assets | $30,802,418,670 | 56 |
| Average equity | $3,084,460,330 | 71 |
| Average total loans | $22,406,051,670 | 57 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2000% | 3,865 |
| Cost of funding earning assets | 1.6457% | 196 |
| Net interest margin | 2.5543% | 5,166 |
| Noninterest income to average assets | 0.3646% | 3,415 |
| Noninterest expense to average assets | 1.5150% | 5,161 |
| Loan and lease loss provision to assets | 0.1271% | 1,377 |
| Net operating income to assets | 0.8338% | 3,502 |
| Return on assets (ROA) | 0.8760% | 3,375 |
| Pretax return on assets | 1.1922% | 2,835 |
| Return on Equity (ROE) | 9.1725% | 2,720 |
| Retained earnings to average equity (ytd only) | -5.0719% | 4,929 |
| Net charge-offs to loans | 0.0993% | 1,147 |
| Credit loss provision to net charge-offs | 186.6219% | 1,096 |
| Earnings coverage of net charge-offs (x) | 18.5809% | 1,622 |
| Efficiency ratio | 54.4734% | 4,489 |
| Assets per employee ($millions) | 19.0029% | 56 |
| Cash dividends to net income (ytd only)* | 155.2948% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5124% | 5,067 |
| Loan loss allowance to noncurrent loans | 30.0954% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.2016% | 1,116 |
| Noncurrent loans to loans | 1.7024% | 907 |
| Net loans and leases to total assets | 68.3027% | 2,715 |
| Net loans and leases to deposits | 93.1068% | 1,269 |
| Net loans and leases to core deposits | 118.1720% | 574 |
| Total domestic deposits to total assets | 73.3595% | 4,975 |
| Equity capital to assets | 9.4061% | 4,336 |
| Core capital (leverage) ratio | 9.2447% | 4,418 |
| Tier 1 risk-based capital ratio | 12.9432% | 3,903 |
| Total risk-based capital ratio | 13.4542% | 4,221 |
| Memoranda: | ||
| Average total assets | $32,343,291,500 | 60 |
| Average earning assets | $30,596,787,500 | 57 |
| Average equity | $3,088,938,000 | 73 |
| Average total loans | $22,200,773,500 | 58 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 1,074 |
| Cost of funding earning assets | 1.3050% | 211 |
| Net interest margin | 3.6808% | 3,114 |
| Noninterest income to average assets | 0.4008% | 3,438 |
| Noninterest expense to average assets | 2.3329% | 4,037 |
| Loan and lease loss provision to assets | 0.0834% | 2,467 |
| Net operating income to assets | 1.1100% | 2,553 |
| Return on assets (ROA) | 1.1255% | 2,493 |
| Pretax return on assets | 1.4415% | 1,983 |
| Return on Equity (ROE) | 10.8483% | 2,150 |
| Retained earnings to average equity (ytd only) | -2.1720% | 5,134 |
| Net charge-offs to loans | 0.2792% | 696 |
| Credit loss provision to net charge-offs | 42.6475% | 3,262 |
| Earnings coverage of net charge-offs (x) | 7.6988% | 2,963 |
| Efficiency ratio | 60.7754% | 3,733 |
| Assets per employee ($millions) | 18.2363% | 56 |
| Cash dividends to net income (ytd only)* | 120.0219% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4994% | 5,123 |
| Loan loss allowance to noncurrent loans | 31.5797% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 1,206 |
| Noncurrent loans to loans | 1.5813% | 933 |
| Net loans and leases to total assets | 68.2847% | 2,842 |
| Net loans and leases to deposits | 92.5812% | 1,459 |
| Net loans and leases to core deposits | 116.6308% | 667 |
| Total domestic deposits to total assets | 73.7565% | 4,961 |
| Equity capital to assets | 9.6972% | 3,953 |
| Core capital (leverage) ratio | 9.6023% | 4,002 |
| Tier 1 risk-based capital ratio | 13.4535% | 3,577 |
| Total risk-based capital ratio | 13.9566% | 3,896 |
| Memoranda: | ||
| Average total assets | $31,091,972,600 | 62 |
| Average earning assets | $29,035,158,000 | 60 |
| Average equity | $3,225,715,600 | 72 |
| Average total loans | $21,770,163,600 | 56 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8005% | 1,427 |
| Cost of funding earning assets | 1.2274% | 223 |
| Net interest margin | 3.5731% | 3,453 |
| Noninterest income to average assets | 0.3992% | 3,487 |
| Noninterest expense to average assets | 2.0911% | 4,572 |
| Loan and lease loss provision to assets | 0.0577% | 2,826 |
| Net operating income to assets | 1.2376% | 2,097 |
| Return on assets (ROA) | 1.2515% | 2,044 |
| Pretax return on assets | 1.5922% | 1,609 |
| Return on Equity (ROE) | 11.8612% | 1,844 |
| Retained earnings to average equity (ytd only) | 3.8724% | 3,843 |
| Net charge-offs to loans | 0.2051% | 827 |
| Credit loss provision to net charge-offs | 39.9497% | 2,908 |
| Earnings coverage of net charge-offs (x) | 11.3081% | 2,522 |
| Efficiency ratio | 56.1509% | 4,370 |
| Assets per employee ($millions) | 17.8240% | 61 |
| Cash dividends to net income (ytd only)* | 67.3524% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5681% | 5,097 |
| Loan loss allowance to noncurrent loans | 37.1961% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 1,294 |
| Noncurrent loans to loans | 1.5274% | 1,055 |
| Net loans and leases to total assets | 69.3963% | 2,743 |
| Net loans and leases to deposits | 96.8662% | 1,051 |
| Net loans and leases to core deposits | 123.0017% | 489 |
| Total domestic deposits to total assets | 71.6415% | 5,153 |
| Equity capital to assets | 10.5287% | 3,119 |
| Core capital (leverage) ratio | 10.3287% | 3,256 |
| Tier 1 risk-based capital ratio | 14.2835% | 3,223 |
| Total risk-based capital ratio | 14.8532% | 3,477 |
| Memoranda: | ||
| Average total assets | $30,845,570,250 | 62 |
| Average earning assets | $28,698,170,500 | 60 |
| Average equity | $3,254,485,000 | 69 |
| Average total loans | $21,709,204,500 | 55 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 1,403 |
| Cost of funding earning assets | 1.1469% | 232 |
| Net interest margin | 3.5946% | 3,332 |
| Noninterest income to average assets | 0.3580% | 3,762 |
| Noninterest expense to average assets | 2.0631% | 4,686 |
| Loan and lease loss provision to assets | 0.0793% | 2,321 |
| Net operating income to assets | 1.1997% | 2,200 |
| Return on assets (ROA) | 1.2179% | 2,107 |
| Pretax return on assets | 1.5833% | 1,555 |
| Return on Equity (ROE) | 11.5346% | 1,895 |
| Retained earnings to average equity (ytd only) | 1.6435% | 4,589 |
| Net charge-offs to loans | 0.2031% | 786 |
| Credit loss provision to net charge-offs | 55.2763% | 2,459 |
| Earnings coverage of net charge-offs (x) | 11.4350% | 2,272 |
| Efficiency ratio | 55.7097% | 4,513 |
| Assets per employee ($millions) | 17.8456% | 59 |
| Cash dividends to net income (ytd only)* | 85.7513% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6158% | 5,073 |
| Loan loss allowance to noncurrent loans | 46.7481% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9699% | 1,557 |
| Noncurrent loans to loans | 1.3174% | 1,297 |
| Net loans and leases to total assets | 69.6266% | 2,636 |
| Net loans and leases to deposits | 97.0415% | 1,036 |
| Net loans and leases to core deposits | 123.2865% | 478 |
| Total domestic deposits to total assets | 71.7493% | 5,199 |
| Equity capital to assets | 10.3987% | 3,213 |
| Core capital (leverage) ratio | 10.2196% | 3,341 |
| Tier 1 risk-based capital ratio | 14.1056% | 3,314 |
| Total risk-based capital ratio | 14.7265% | 3,544 |
| Memoranda: | ||
| Average total assets | $30,640,989,330 | 63 |
| Average earning assets | $28,509,292,000 | 59 |
| Average equity | $3,235,231,330 | 70 |
| Average total loans | $21,626,822,670 | 54 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 1,440 |
| Cost of funding earning assets | 1.0640% | 272 |
| Net interest margin | 3.5856% | 3,238 |
| Noninterest income to average assets | 0.3525% | 3,787 |
| Noninterest expense to average assets | 2.0994% | 4,665 |
| Loan and lease loss provision to assets | 0.0415% | 2,927 |
| Net operating income to assets | 1.1870% | 2,066 |
| Return on assets (ROA) | 1.1972% | 2,031 |
| Pretax return on assets | 1.5557% | 1,512 |
| Return on Equity (ROE) | 11.2506% | 1,871 |
| Retained earnings to average equity (ytd only) | -2.3872% | 5,042 |
| Net charge-offs to loans | 0.1949% | 757 |
| Credit loss provision to net charge-offs | 30.0688% | 2,064 |
| Earnings coverage of net charge-offs (x) | 11.4741% | 1,845 |
| Efficiency ratio | 56.9763% | 4,466 |
| Assets per employee ($millions) | 17.3679% | 64 |
| Cash dividends to net income (ytd only)* | 121.2188% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6390% | 5,119 |
| Loan loss allowance to noncurrent loans | 55.1521% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 1,833 |
| Noncurrent loans to loans | 1.1587% | 1,567 |
| Net loans and leases to total assets | 70.4100% | 2,404 |
| Net loans and leases to deposits | 95.0850% | 1,121 |
| Net loans and leases to core deposits | 120.0440% | 584 |
| Total domestic deposits to total assets | 74.0496% | 5,150 |
| Equity capital to assets | 10.5830% | 2,992 |
| Core capital (leverage) ratio | 10.2041% | 3,298 |
| Tier 1 risk-based capital ratio | 13.8784% | 3,445 |
| Total risk-based capital ratio | 14.5217% | 3,700 |
| Memoranda: | ||
| Average total assets | $30,319,780,500 | 64 |
| Average earning assets | $28,168,870,500 | 60 |
| Average equity | $3,226,310,000 | 70 |
| Average total loans | $21,481,958,000 | 54 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 1,785 |
| Cost of funding earning assets | 0.8719% | 436 |
| Net interest margin | 3.6071% | 3,141 |
| Noninterest income to average assets | 0.4208% | 3,498 |
| Noninterest expense to average assets | 2.1503% | 4,647 |
| Loan and lease loss provision to assets | 0.2382% | 806 |
| Net operating income to assets | 2.0970% | 235 |
| Return on assets (ROA) | 2.2130% | 191 |
| Pretax return on assets | 1.5030% | 1,635 |
| Return on Equity (ROE) | 22.3606% | 116 |
| Retained earnings to average equity (ytd only) | 18.1600% | 51 |
| Net charge-offs to loans | 0.3797% | 666 |
| Credit loss provision to net charge-offs | 89.3921% | 2,800 |
| Earnings coverage of net charge-offs (x) | 6.1001% | 3,229 |
| Efficiency ratio | 56.9306% | 4,666 |
| Assets per employee ($millions) | 17.5336% | 62 |
| Cash dividends to net income (ytd only)* | 18.7854% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6750% | 5,114 |
| Loan loss allowance to noncurrent loans | 75.7340% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6640% | 2,325 |
| Noncurrent loans to loans | 0.8913% | 1,995 |
| Net loans and leases to total assets | 70.3616% | 2,469 |
| Net loans and leases to deposits | 96.6229% | 1,030 |
| Net loans and leases to core deposits | 122.1673% | 521 |
| Total domestic deposits to total assets | 72.8208% | 5,272 |
| Equity capital to assets | 10.6990% | 2,944 |
| Core capital (leverage) ratio | 10.4729% | 2,870 |
| Tier 1 risk-based capital ratio | 14.1269% | 3,292 |
| Total risk-based capital ratio | 14.7965% | 3,513 |
| Memoranda: | ||
| Average total assets | $28,866,100,600 | 63 |
| Average earning assets | $26,845,830,600 | 60 |
| Average equity | $2,856,788,800 | 72 |
| Average total loans | $20,256,618,600 | 55 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 1,716 |
| Cost of funding earning assets | 0.8305% | 492 |
| Net interest margin | 3.6424% | 2,987 |
| Noninterest income to average assets | 0.3737% | 3,855 |
| Noninterest expense to average assets | 2.1623% | 4,609 |
| Loan and lease loss provision to assets | 0.2973% | 527 |
| Net operating income to assets | 0.8968% | 3,044 |
| Return on assets (ROA) | 0.9910% | 2,649 |
| Pretax return on assets | 1.4402% | 1,970 |
| Return on Equity (ROE) | 10.2334% | 2,023 |
| Retained earnings to average equity (ytd only) | 5.6459% | 2,460 |
| Net charge-offs to loans | 0.3872% | 550 |
| Credit loss provision to net charge-offs | 109.6975% | 2,143 |
| Earnings coverage of net charge-offs (x) | 5.9077% | 3,047 |
| Efficiency ratio | 57.4345% | 4,571 |
| Assets per employee ($millions) | 17.3188% | 65 |
| Cash dividends to net income (ytd only)* | 44.8287% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 4,981 |
| Loan loss allowance to noncurrent loans | 71.4389% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 0.7726% | 2,205 |
| Noncurrent loans to loans | 1.0753% | 1,792 |
| Net loans and leases to total assets | 69.4901% | 2,634 |
| Net loans and leases to deposits | 95.4747% | 1,156 |
| Net loans and leases to core deposits | 121.2263% | 546 |
| Total domestic deposits to total assets | 72.7838% | 5,333 |
| Equity capital to assets | 9.6172% | 4,327 |
| Core capital (leverage) ratio | 9.3194% | 4,384 |
| Tier 1 risk-based capital ratio | 12.9820% | 4,021 |
| Total risk-based capital ratio | 13.7680% | 4,216 |
| Memoranda: | ||
| Average total assets | $28,512,509,000 | 62 |
| Average earning assets | $26,534,180,750 | 60 |
| Average equity | $2,761,056,750 | 73 |
| Average total loans | $19,958,123,000 | 54 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4388% | 1,701 |
| Cost of funding earning assets | 0.7800% | 581 |
| Net interest margin | 3.6588% | 2,798 |
| Noninterest income to average assets | 0.3833% | 3,805 |
| Noninterest expense to average assets | 2.2030% | 4,557 |
| Loan and lease loss provision to assets | 0.1825% | 1,035 |
| Net operating income to assets | 0.9601% | 2,606 |
| Return on assets (ROA) | 0.9711% | 2,610 |
| Pretax return on assets | 1.4124% | 1,967 |
| Return on Equity (ROE) | 10.0046% | 2,034 |
| Retained earnings to average equity (ytd only) | 5.6194% | 2,337 |
| Net charge-offs to loans | 0.2334% | 873 |
| Credit loss provision to net charge-offs | 111.7052% | 1,866 |
| Earnings coverage of net charge-offs (x) | 9.6658% | 2,411 |
| Efficiency ratio | 58.2283% | 4,561 |
| Assets per employee ($millions) | 17.1468% | 64 |
| Cash dividends to net income (ytd only)* | 43.8321% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 5,023 |
| Loan loss allowance to noncurrent loans | 100.0109% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 2,880 |
| Noncurrent loans to loans | 0.7682% | 2,477 |
| Net loans and leases to total assets | 69.5434% | 2,588 |
| Net loans and leases to deposits | 95.9653% | 1,085 |
| Net loans and leases to core deposits | 121.3843% | 503 |
| Total domestic deposits to total assets | 72.4672% | 5,423 |
| Equity capital to assets | 9.6899% | 4,234 |
| Core capital (leverage) ratio | 9.5408% | 4,085 |
| Tier 1 risk-based capital ratio | 13.0355% | 3,975 |
| Total risk-based capital ratio | 13.8226% | 4,162 |
| Memoranda: | ||
| Average total assets | $28,191,122,670 | 62 |
| Average earning assets | $26,185,602,000 | 61 |
| Average equity | $2,736,464,000 | 70 |
| Average total loans | $19,730,185,000 | 56 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3845% | 1,696 |
| Cost of funding earning assets | 0.7430% | 681 |
| Net interest margin | 3.6415% | 2,732 |
| Noninterest income to average assets | 0.3720% | 3,872 |
| Noninterest expense to average assets | 2.2086% | 4,616 |
| Loan and lease loss provision to assets | 0.1739% | 1,014 |
| Net operating income to assets | 0.9351% | 2,586 |
| Return on assets (ROA) | 0.9513% | 2,579 |
| Pretax return on assets | 1.3880% | 1,928 |
| Return on Equity (ROE) | 9.7917% | 2,063 |
| Retained earnings to average equity (ytd only) | 4.6143% | 3,114 |
| Net charge-offs to loans | 0.2830% | 638 |
| Credit loss provision to net charge-offs | 87.8594% | 1,708 |
| Earnings coverage of net charge-offs (x) | 7.7721% | 2,110 |
| Efficiency ratio | 58.9178% | 4,602 |
| Assets per employee ($millions) | 16.9078% | 63 |
| Cash dividends to net income (ytd only)* | 52.8757% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7761% | 5,122 |
| Loan loss allowance to noncurrent loans | 101.2380% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 2,975 |
| Noncurrent loans to loans | 0.7666% | 2,562 |
| Net loans and leases to total assets | 69.3745% | 2,483 |
| Net loans and leases to deposits | 96.2939% | 913 |
| Net loans and leases to core deposits | 122.2464% | 405 |
| Total domestic deposits to total assets | 72.0446% | 5,540 |
| Equity capital to assets | 9.8832% | 3,891 |
| Core capital (leverage) ratio | 9.5097% | 4,117 |
| Tier 1 risk-based capital ratio | 13.0231% | 4,065 |
| Total risk-based capital ratio | 13.8060% | 4,257 |
| Memoranda: | ||
| Average total assets | $27,831,899,000 | 61 |
| Average earning assets | $25,794,538,000 | 61 |
| Average equity | $2,704,040,000 | 69 |
| Average total loans | $19,465,101,500 | 55 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4411% | 1,706 |
| Cost of funding earning assets | 0.7094% | 782 |
| Net interest margin | 3.7317% | 2,569 |
| Noninterest income to average assets | 0.3412% | 4,299 |
| Noninterest expense to average assets | 2.2331% | 4,695 |
| Loan and lease loss provision to assets | 0.1963% | 1,186 |
| Net operating income to assets | 0.8974% | 2,838 |
| Return on assets (ROA) | 0.9348% | 2,762 |
| Pretax return on assets | 1.3900% | 1,983 |
| Return on Equity (ROE) | 9.5030% | 2,194 |
| Retained earnings to average equity (ytd only) | 6.1513% | 1,632 |
| Net charge-offs to loans | 0.1312% | 1,931 |
| Credit loss provision to net charge-offs | 214.0377% | 1,329 |
| Earnings coverage of net charge-offs (x) | 16.6866% | 2,095 |
| Efficiency ratio | 59.3045% | 4,689 |
| Assets per employee ($millions) | 16.7467% | 64 |
| Cash dividends to net income (ytd only)* | 35.2699% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7869% | 5,143 |
| Loan loss allowance to noncurrent loans | 100.6972% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 2,992 |
| Noncurrent loans to loans | 0.7815% | 2,563 |
| Net loans and leases to total assets | 69.4086% | 2,565 |
| Net loans and leases to deposits | 98.2921% | 799 |
| Net loans and leases to core deposits | 123.7742% | 388 |
| Total domestic deposits to total assets | 70.6147% | 5,634 |
| Equity capital to assets | 9.5474% | 4,221 |
| Core capital (leverage) ratio | 9.3043% | 4,346 |
| Tier 1 risk-based capital ratio | 12.8873% | 4,142 |
| Total risk-based capital ratio | 13.6991% | 4,299 |
| Memoranda: | ||
| Average total assets | $25,932,357,000 | 62 |
| Average earning assets | $23,783,838,600 | 61 |
| Average equity | $2,550,932,400 | 66 |
| Average total loans | $18,124,748,200 | 56 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4558% | 1,677 |
| Cost of funding earning assets | 0.7054% | 795 |
| Net interest margin | 3.7505% | 2,519 |
| Noninterest income to average assets | 0.3400% | 4,350 |
| Noninterest expense to average assets | 2.2301% | 4,688 |
| Loan and lease loss provision to assets | 0.2222% | 924 |
| Net operating income to assets | 0.8828% | 2,993 |
| Return on assets (ROA) | 0.9181% | 2,939 |
| Pretax return on assets | 1.3721% | 2,154 |
| Return on Equity (ROE) | 9.2594% | 2,378 |
| Retained earnings to average equity (ytd only) | 4.7456% | 2,986 |
| Net charge-offs to loans | 0.1034% | 1,912 |
| Credit loss provision to net charge-offs | 307.5792% | 1,012 |
| Earnings coverage of net charge-offs (x) | 21.3382% | 1,822 |
| Efficiency ratio | 59.0977% | 4,676 |
| Assets per employee ($millions) | 16.4136% | 65 |
| Cash dividends to net income (ytd only)* | 48.7482% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8094% | 5,164 |
| Loan loss allowance to noncurrent loans | 117.4071% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5200% | 3,378 |
| Noncurrent loans to loans | 0.6894% | 2,970 |
| Net loans and leases to total assets | 69.6464% | 2,542 |
| Net loans and leases to deposits | 99.3765% | 745 |
| Net loans and leases to core deposits | 125.9529% | 366 |
| Total domestic deposits to total assets | 70.0834% | 5,691 |
| Equity capital to assets | 9.5137% | 4,647 |
| Core capital (leverage) ratio | 9.3443% | 4,399 |
| Tier 1 risk-based capital ratio | 12.7342% | 4,321 |
| Total risk-based capital ratio | 13.5518% | 4,510 |
| Memoranda: | ||
| Average total assets | $25,469,755,000 | 63 |
| Average earning assets | $23,305,552,750 | 62 |
| Average equity | $2,525,531,750 | 69 |
| Average total loans | $17,796,787,250 | 59 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 1,567 |
| Cost of funding earning assets | 0.7047% | 782 |
| Net interest margin | 3.7784% | 2,412 |
| Noninterest income to average assets | 0.3481% | 4,291 |
| Noninterest expense to average assets | 2.2525% | 4,725 |
| Loan and lease loss provision to assets | 0.1449% | 1,580 |
| Net operating income to assets | 0.9172% | 2,781 |
| Return on assets (ROA) | 0.9546% | 2,751 |
| Pretax return on assets | 1.4559% | 1,820 |
| Return on Equity (ROE) | 9.4872% | 2,278 |
| Retained earnings to average equity (ytd only) | 5.2763% | 2,564 |
| Net charge-offs to loans | 0.0939% | 1,905 |
| Credit loss provision to net charge-offs | 221.3348% | 1,212 |
| Earnings coverage of net charge-offs (x) | 23.5846% | 1,585 |
| Efficiency ratio | 59.2979% | 4,739 |
| Assets per employee ($millions) | 16.1146% | 68 |
| Cash dividends to net income (ytd only)* | 44.3848% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7436% | 5,426 |
| Loan loss allowance to noncurrent loans | 135.8620% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4266% | 3,795 |
| Noncurrent loans to loans | 0.5473% | 3,427 |
| Net loans and leases to total assets | 69.0984% | 2,616 |
| Net loans and leases to deposits | 98.5008% | 834 |
| Net loans and leases to core deposits | 122.5011% | 450 |
| Total domestic deposits to total assets | 70.1500% | 5,775 |
| Equity capital to assets | 9.7377% | 4,522 |
| Core capital (leverage) ratio | 9.6653% | 3,979 |
| Tier 1 risk-based capital ratio | 13.0912% | 4,147 |
| Total risk-based capital ratio | 13.8430% | 4,367 |
| Memoranda: | ||
| Average total assets | $24,899,372,330 | 64 |
| Average earning assets | $22,724,672,000 | 65 |
| Average equity | $2,505,409,330 | 70 |
| Average total loans | $17,367,384,330 | 61 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5313% | 1,422 |
| Cost of funding earning assets | 0.7063% | 786 |
| Net interest margin | 3.8250% | 2,203 |
| Noninterest income to average assets | 0.3149% | 4,473 |
| Noninterest expense to average assets | 2.3046% | 4,648 |
| Loan and lease loss provision to assets | 0.0612% | 2,719 |
| Net operating income to assets | 0.9250% | 2,623 |
| Return on assets (ROA) | 0.9593% | 2,580 |
| Pretax return on assets | 1.4820% | 1,651 |
| Return on Equity (ROE) | 9.3703% | 2,255 |
| Retained earnings to average equity (ytd only) | 4.5750% | 3,193 |
| Net charge-offs to loans | 0.0920% | 1,591 |
| Credit loss provision to net charge-offs | 95.2724% | 1,714 |
| Earnings coverage of net charge-offs (x) | 23.2063% | 1,373 |
| Efficiency ratio | 60.6938% | 4,651 |
| Assets per employee ($millions) | 15.2953% | 82 |
| Cash dividends to net income (ytd only)* | 51.1758% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7319% | 5,533 |
| Loan loss allowance to noncurrent loans | 144.1715% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 4,000 |
| Noncurrent loans to loans | 0.5077% | 3,658 |
| Net loans and leases to total assets | 68.9839% | 2,503 |
| Net loans and leases to deposits | 96.5150% | 892 |
| Net loans and leases to core deposits | 117.7725% | 537 |
| Total domestic deposits to total assets | 71.4748% | 5,802 |
| Equity capital to assets | 10.0703% | 3,988 |
| Core capital (leverage) ratio | 10.0255% | 3,510 |
| Tier 1 risk-based capital ratio | 13.3910% | 4,049 |
| Total risk-based capital ratio | 14.1083% | 4,261 |
| Memoranda: | ||
| Average total assets | $24,239,870,000 | 66 |
| Average earning assets | $22,054,373,500 | 66 |
| Average equity | $2,481,585,000 | 71 |
| Average total loans | $16,924,984,500 | 63 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5874% | 1,369 |
| Cost of funding earning assets | 0.6943% | 845 |
| Net interest margin | 3.8932% | 2,054 |
| Noninterest income to average assets | 0.5018% | 3,322 |
| Noninterest expense to average assets | 2.4062% | 4,497 |
| Loan and lease loss provision to assets | 0.2083% | 1,012 |
| Net operating income to assets | 1.1705% | 1,669 |
| Return on assets (ROA) | 1.2033% | 1,605 |
| Pretax return on assets | 1.4235% | 1,812 |
| Return on Equity (ROE) | 12.9586% | 1,071 |
| Retained earnings to average equity (ytd only) | 8.9096% | 672 |
| Net charge-offs to loans | 0.0971% | 2,449 |
| Credit loss provision to net charge-offs | 315.9430% | 940 |
| Earnings coverage of net charge-offs (x) | 24.1688% | 1,691 |
| Efficiency ratio | 60.1086% | 4,895 |
| Assets per employee ($millions) | 14.1031% | 96 |
| Cash dividends to net income (ytd only)* | 31.2459% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7542% | 5,525 |
| Loan loss allowance to noncurrent loans | 150.5048% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 4,038 |
| Noncurrent loans to loans | 0.5011% | 3,684 |
| Net loans and leases to total assets | 69.6369% | 2,425 |
| Net loans and leases to deposits | 97.0923% | 897 |
| Net loans and leases to core deposits | 115.7788% | 605 |
| Total domestic deposits to total assets | 71.7224% | 5,815 |
| Equity capital to assets | 10.4115% | 3,469 |
| Core capital (leverage) ratio | 10.4116% | 3,047 |
| Tier 1 risk-based capital ratio | 14.0442% | 3,695 |
| Total risk-based capital ratio | 14.8105% | 3,907 |
| Memoranda: | ||
| Average total assets | $21,277,461,600 | 72 |
| Average earning assets | $19,114,949,200 | 69 |
| Average equity | $1,975,780,600 | 79 |
| Average total loans | $14,442,336,400 | 69 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 1,384 |
| Cost of funding earning assets | 0.6902% | 884 |
| Net interest margin | 3.8893% | 2,070 |
| Noninterest income to average assets | 0.4982% | 3,379 |
| Noninterest expense to average assets | 2.4122% | 4,475 |
| Loan and lease loss provision to assets | 0.2220% | 839 |
| Net operating income to assets | 1.2465% | 1,505 |
| Return on assets (ROA) | 1.2776% | 1,459 |
| Pretax return on assets | 1.3813% | 2,093 |
| Return on Equity (ROE) | 14.2556% | 850 |
| Retained earnings to average equity (ytd only) | 9.9333% | 644 |
| Net charge-offs to loans | 0.1118% | 2,013 |
| Credit loss provision to net charge-offs | 295.3195% | 977 |
| Earnings coverage of net charge-offs (x) | 20.8784% | 1,847 |
| Efficiency ratio | 60.5159% | 4,812 |
| Assets per employee ($millions) | 13.4701% | 107 |
| Cash dividends to net income (ytd only)* | 30.3200% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 5,600 |
| Loan loss allowance to noncurrent loans | 98.5955% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 3,553 |
| Noncurrent loans to loans | 0.7749% | 3,032 |
| Net loans and leases to total assets | 68.4631% | 2,609 |
| Net loans and leases to deposits | 95.7523% | 1,034 |
| Net loans and leases to core deposits | 115.6532% | 604 |
| Total domestic deposits to total assets | 71.5002% | 5,902 |
| Equity capital to assets | 9.1172% | 5,199 |
| Core capital (leverage) ratio | 8.9951% | 5,000 |
| Tier 1 risk-based capital ratio | 12.4937% | 4,764 |
| Total risk-based capital ratio | 13.2883% | 4,975 |
| Memoranda: | ||
| Average total assets | $20,652,356,250 | 72 |
| Average earning assets | $18,497,605,750 | 72 |
| Average equity | $1,850,818,500 | 85 |
| Average total loans | $13,881,917,250 | 71 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 1,279 |
| Cost of funding earning assets | 0.6784% | 942 |
| Net interest margin | 3.9222% | 1,899 |
| Noninterest income to average assets | 0.4527% | 3,681 |
| Noninterest expense to average assets | 2.3979% | 4,556 |
| Loan and lease loss provision to assets | 0.1652% | 1,274 |
| Net operating income to assets | 0.9094% | 2,822 |
| Return on assets (ROA) | 0.9298% | 2,856 |
| Pretax return on assets | 1.4268% | 1,879 |
| Return on Equity (ROE) | 10.4424% | 1,872 |
| Retained earnings to average equity (ytd only) | 5.9625% | 2,266 |
| Net charge-offs to loans | 0.0708% | 2,378 |
| Credit loss provision to net charge-offs | 350.6455% | 827 |
| Earnings coverage of net charge-offs (x) | 33.1223% | 1,281 |
| Efficiency ratio | 60.4978% | 4,915 |
| Assets per employee ($millions) | 12.9858% | 115 |
| Cash dividends to net income (ytd only)* | 42.9010% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7463% | 5,719 |
| Loan loss allowance to noncurrent loans | 124.6344% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 4,132 |
| Noncurrent loans to loans | 0.5988% | 3,673 |
| Net loans and leases to total assets | 67.0972% | 2,778 |
| Net loans and leases to deposits | 92.0551% | 1,370 |
| Net loans and leases to core deposits | 109.0272% | 892 |
| Total domestic deposits to total assets | 72.8881% | 5,882 |
| Equity capital to assets | 8.6059% | 5,594 |
| Core capital (leverage) ratio | 8.3995% | 5,635 |
| Tier 1 risk-based capital ratio | 11.6761% | 5,353 |
| Total risk-based capital ratio | 12.4411% | 5,546 |
| Memoranda: | ||
| Average total assets | $20,056,101,330 | 73 |
| Average earning assets | $17,927,743,670 | 74 |
| Average equity | $1,785,756,330 | 88 |
| Average total loans | $13,348,497,670 | 74 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6310% | 1,162 |
| Cost of funding earning assets | 0.6727% | 985 |
| Net interest margin | 3.9584% | 1,694 |
| Noninterest income to average assets | 0.4740% | 3,475 |
| Noninterest expense to average assets | 2.3978% | 4,598 |
| Loan and lease loss provision to assets | 0.1676% | 1,193 |
| Net operating income to assets | 0.9309% | 2,603 |
| Return on assets (ROA) | 0.9580% | 2,595 |
| Pretax return on assets | 1.4798% | 1,632 |
| Return on Equity (ROE) | 10.5657% | 1,777 |
| Retained earnings to average equity (ytd only) | 6.0274% | 2,489 |
| Net charge-offs to loans | 0.1201% | 1,545 |
| Credit loss provision to net charge-offs | 211.4456% | 1,019 |
| Earnings coverage of net charge-offs (x) | 20.2569% | 1,416 |
| Efficiency ratio | 59.8101% | 5,115 |
| Assets per employee ($millions) | 12.4204% | 135 |
| Cash dividends to net income (ytd only)* | 42.9526% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7540% | 5,802 |
| Loan loss allowance to noncurrent loans | 145.3725% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 4,411 |
| Noncurrent loans to loans | 0.5187% | 4,020 |
| Net loans and leases to total assets | 66.2933% | 2,726 |
| Net loans and leases to deposits | 90.5674% | 1,333 |
| Net loans and leases to core deposits | 104.5127% | 1,032 |
| Total domestic deposits to total assets | 73.1977% | 5,962 |
| Equity capital to assets | 8.9675% | 5,330 |
| Core capital (leverage) ratio | 8.6689% | 5,355 |
| Tier 1 risk-based capital ratio | 12.5064% | 4,900 |
| Total risk-based capital ratio | 13.2903% | 5,112 |
| Memoranda: | ||
| Average total assets | $19,442,269,500 | 74 |
| Average earning assets | $17,336,390,500 | 75 |
| Average equity | $1,762,806,000 | 88 |
| Average total loans | $12,828,644,000 | 74 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3047% | 445 |
| Cost of funding earning assets | 0.7261% | 974 |
| Net interest margin | 4.5786% | 640 |
| Noninterest income to average assets | 0.4860% | 3,616 |
| Noninterest expense to average assets | 2.4958% | 4,564 |
| Loan and lease loss provision to assets | 0.2473% | 931 |
| Net operating income to assets | 1.2262% | 1,509 |
| Return on assets (ROA) | 1.2423% | 1,518 |
| Pretax return on assets | 1.7723% | 842 |
| Return on Equity (ROE) | 12.2076% | 1,350 |
| Retained earnings to average equity (ytd only) | 6.8218% | 1,489 |
| Net charge-offs to loans | 0.1477% | 2,556 |
| Credit loss provision to net charge-offs | 264.5653% | 971 |
| Earnings coverage of net charge-offs (x) | 21.3633% | 1,681 |
| Efficiency ratio | 55.4690% | 5,720 |
| Assets per employee ($millions) | 11.8986% | 146 |
| Cash dividends to net income (ytd only)* | 44.1181% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 5,845 |
| Loan loss allowance to noncurrent loans | 170.8609% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 4,605 |
| Noncurrent loans to loans | 0.4504% | 4,294 |
| Net loans and leases to total assets | 64.6359% | 3,118 |
| Net loans and leases to deposits | 89.8102% | 1,536 |
| Net loans and leases to core deposits | 102.0980% | 1,240 |
| Total domestic deposits to total assets | 71.9694% | 6,088 |
| Equity capital to assets | 9.1702% | 5,109 |
| Core capital (leverage) ratio | 9.1046% | 4,819 |
| Tier 1 risk-based capital ratio | 13.1841% | 4,597 |
| Total risk-based capital ratio | 13.9864% | 4,804 |
| Memoranda: | ||
| Average total assets | $16,785,702,800 | 82 |
| Average earning assets | $14,688,174,400 | 84 |
| Average equity | $1,708,209,800 | 87 |
| Average total loans | $10,622,562,200 | 83 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4743% | 328 |
| Cost of funding earning assets | 0.7354% | 962 |
| Net interest margin | 4.7389% | 468 |
| Noninterest income to average assets | 0.5373% | 3,277 |
| Noninterest expense to average assets | 2.5683% | 4,293 |
| Loan and lease loss provision to assets | 0.1725% | 1,432 |
| Net operating income to assets | 1.3265% | 1,296 |
| Return on assets (ROA) | 1.3331% | 1,340 |
| Pretax return on assets | 1.9343% | 659 |
| Return on Equity (ROE) | 12.7296% | 1,290 |
| Retained earnings to average equity (ytd only) | 7.3125% | 1,665 |
| Net charge-offs to loans | 0.1551% | 2,254 |
| Credit loss provision to net charge-offs | 177.2278% | 1,407 |
| Earnings coverage of net charge-offs (x) | 21.5472% | 1,670 |
| Efficiency ratio | 54.9608% | 5,745 |
| Assets per employee ($millions) | 10.8018% | 195 |
| Cash dividends to net income (ytd only)* | 42.5556% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 6,082 |
| Loan loss allowance to noncurrent loans | 140.3071% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 4,633 |
| Noncurrent loans to loans | 0.5070% | 4,409 |
| Net loans and leases to total assets | 62.7966% | 3,376 |
| Net loans and leases to deposits | 84.2821% | 2,109 |
| Net loans and leases to core deposits | 94.7807% | 1,776 |
| Total domestic deposits to total assets | 74.5077% | 5,967 |
| Equity capital to assets | 9.9367% | 4,249 |
| Core capital (leverage) ratio | 9.5447% | 4,312 |
| Tier 1 risk-based capital ratio | 14.6743% | 3,773 |
| Total risk-based capital ratio | 15.4584% | 4,008 |
| Memoranda: | ||
| Average total assets | $16,216,732,500 | 84 |
| Average earning assets | $14,127,549,250 | 86 |
| Average equity | $1,698,264,250 | 88 |
| Average total loans | $10,174,160,750 | 86 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5575% | 280 |
| Cost of funding earning assets | 0.7306% | 1,021 |
| Net interest margin | 4.8269% | 396 |
| Noninterest income to average assets | 0.6610% | 2,478 |
| Noninterest expense to average assets | 2.6124% | 4,195 |
| Loan and lease loss provision to assets | 0.1977% | 1,233 |
| Net operating income to assets | 1.3238% | 1,241 |
| Return on assets (ROA) | 1.3268% | 1,286 |
| Pretax return on assets | 2.0386% | 511 |
| Return on Equity (ROE) | 12.4342% | 1,323 |
| Retained earnings to average equity (ytd only) | 6.9700% | 1,790 |
| Net charge-offs to loans | 0.1996% | 1,831 |
| Credit loss provision to net charge-offs | 158.3409% | 1,407 |
| Earnings coverage of net charge-offs (x) | 17.8767% | 1,709 |
| Efficiency ratio | 53.8428% | 5,922 |
| Assets per employee ($millions) | 10.3679% | 208 |
| Cash dividends to net income (ytd only)* | 43.9451% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7134% | 6,150 |
| Loan loss allowance to noncurrent loans | 129.1295% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 4,587 |
| Noncurrent loans to loans | 0.5524% | 4,359 |
| Net loans and leases to total assets | 62.3092% | 3,356 |
| Net loans and leases to deposits | 85.7810% | 1,837 |
| Net loans and leases to core deposits | 95.7968% | 1,619 |
| Total domestic deposits to total assets | 72.6375% | 6,206 |
| Equity capital to assets | 10.1883% | 3,848 |
| Core capital (leverage) ratio | 9.8741% | 3,777 |
| Tier 1 risk-based capital ratio | 15.1039% | 3,578 |
| Total risk-based capital ratio | 15.8992% | 3,787 |
| Memoranda: | ||
| Average total assets | $15,778,562,670 | 85 |
| Average earning assets | $13,674,440,000 | 85 |
| Average equity | $1,683,678,000 | 88 |
| Average total loans | $9,869,582,670 | 86 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7804% | 195 |
| Cost of funding earning assets | 0.7354% | 1,044 |
| Net interest margin | 5.0450% | 247 |
| Noninterest income to average assets | 0.9462% | 1,271 |
| Noninterest expense to average assets | 2.7079% | 3,906 |
| Loan and lease loss provision to assets | 0.2206% | 1,030 |
| Net operating income to assets | 1.5089% | 797 |
| Return on assets (ROA) | 1.5150% | 824 |
| Pretax return on assets | 2.3668% | 275 |
| Return on Equity (ROE) | 13.8515% | 971 |
| Retained earnings to average equity (ytd only) | 8.3317% | 1,485 |
| Net charge-offs to loans | 0.3405% | 1,053 |
| Credit loss provision to net charge-offs | 103.7407% | 1,605 |
| Earnings coverage of net charge-offs (x) | 12.1246% | 1,737 |
| Efficiency ratio | 51.1464% | 6,182 |
| Assets per employee ($millions) | 9.5959% | 268 |
| Cash dividends to net income (ytd only)* | 39.8496% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7020% | 6,276 |
| Loan loss allowance to noncurrent loans | 92.0234% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 4,089 |
| Noncurrent loans to loans | 0.7629% | 3,960 |
| Net loans and leases to total assets | 63.4830% | 2,983 |
| Net loans and leases to deposits | 87.5310% | 1,414 |
| Net loans and leases to core deposits | 96.6586% | 1,335 |
| Total domestic deposits to total assets | 72.5263% | 6,336 |
| Equity capital to assets | 10.8283% | 2,906 |
| Core capital (leverage) ratio | 10.3460% | 3,120 |
| Tier 1 risk-based capital ratio | 16.6078% | 2,842 |
| Total risk-based capital ratio | 17.4379% | 3,025 |
| Memoranda: | ||
| Average total assets | $15,238,712,000 | 86 |
| Average earning assets | $13,107,992,500 | 88 |
| Average equity | $1,666,734,500 | 88 |
| Average total loans | $9,514,516,500 | 89 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5696% | 93 |
| Cost of funding earning assets | 0.8287% | 1,044 |
| Net interest margin | 5.7409% | 98 |
| Noninterest income to average assets | 0.4814% | 3,875 |
| Noninterest expense to average assets | 2.6302% | 4,356 |
| Loan and lease loss provision to assets | 0.2390% | 1,519 |
| Net operating income to assets | 1.5720% | 730 |
| Return on assets (ROA) | 1.6140% | 688 |
| Pretax return on assets | 2.4743% | 204 |
| Return on Equity (ROE) | 13.5213% | 1,061 |
| Retained earnings to average equity (ytd only) | 7.2564% | 1,335 |
| Net charge-offs to loans | 0.3044% | 2,165 |
| Credit loss provision to net charge-offs | 149.6442% | 1,552 |
| Earnings coverage of net charge-offs (x) | 16.5826% | 1,792 |
| Efficiency ratio | 49.7248% | 6,408 |
| Assets per employee ($millions) | 9.3609% | 289 |
| Cash dividends to net income (ytd only)* | 46.3336% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 6,232 |
| Loan loss allowance to noncurrent loans | 62.0920% | 4,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0277% | 3,375 |
| Noncurrent loans to loans | 1.2403% | 3,065 |
| Net loans and leases to total assets | 60.3992% | 3,640 |
| Net loans and leases to deposits | 84.0625% | 1,935 |
| Net loans and leases to core deposits | 92.0935% | 1,788 |
| Total domestic deposits to total assets | 71.8503% | 6,430 |
| Equity capital to assets | 11.0521% | 2,567 |
| Core capital (leverage) ratio | 10.5786% | 2,808 |
| Tier 1 risk-based capital ratio | 18.0573% | 2,232 |
| Total risk-based capital ratio | 18.9283% | 2,325 |
| Memoranda: | ||
| Average total assets | $13,372,318,800 | 90 |
| Average earning assets | $11,175,190,800 | 97 |
| Average equity | $1,596,193,200 | 88 |
| Average total loans | $7,018,038,000 | 106 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7557% | 76 |
| Cost of funding earning assets | 0.8424% | 1,084 |
| Net interest margin | 5.9134% | 90 |
| Noninterest income to average assets | 0.4638% | 4,046 |
| Noninterest expense to average assets | 2.6309% | 4,273 |
| Loan and lease loss provision to assets | 0.1996% | 1,819 |
| Net operating income to assets | 1.6397% | 699 |
| Return on assets (ROA) | 1.6810% | 676 |
| Pretax return on assets | 2.6095% | 211 |
| Return on Equity (ROE) | 13.7904% | 1,041 |
| Retained earnings to average equity (ytd only) | 7.4785% | 1,651 |
| Net charge-offs to loans | 0.3882% | 1,652 |
| Credit loss provision to net charge-offs | 102.6274% | 2,285 |
| Earnings coverage of net charge-offs (x) | 14.1150% | 1,969 |
| Efficiency ratio | 48.8419% | 6,461 |
| Assets per employee ($millions) | 9.0256% | 306 |
| Cash dividends to net income (ytd only)* | 45.7705% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 6,345 |
| Loan loss allowance to noncurrent loans | 47.8203% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 1.2237% | 3,191 |
| Noncurrent loans to loans | 1.5969% | 2,779 |
| Net loans and leases to total assets | 54.7464% | 4,492 |
| Net loans and leases to deposits | 77.3608% | 2,764 |
| Net loans and leases to core deposits | 83.7590% | 2,675 |
| Total domestic deposits to total assets | 70.7676% | 6,560 |
| Equity capital to assets | 11.3975% | 2,386 |
| Core capital (leverage) ratio | 11.2277% | 2,270 |
| Tier 1 risk-based capital ratio | 20.7539% | 1,541 |
| Total risk-based capital ratio | 21.6179% | 1,610 |
| Memoranda: | ||
| Average total assets | $12,996,771,250 | 95 |
| Average earning assets | $10,795,061,250 | 97 |
| Average equity | $1,584,256,250 | 88 |
| Average total loans | $6,509,096,750 | 108 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9267% | 63 |
| Cost of funding earning assets | 0.8581% | 1,095 |
| Net interest margin | 6.0686% | 76 |
| Noninterest income to average assets | 0.4996% | 3,841 |
| Noninterest expense to average assets | 2.5705% | 4,491 |
| Loan and lease loss provision to assets | 0.2672% | 1,387 |
| Net operating income to assets | 1.6382% | 696 |
| Return on assets (ROA) | 1.6912% | 690 |
| Pretax return on assets | 2.7509% | 197 |
| Return on Equity (ROE) | 13.5446% | 1,117 |
| Retained earnings to average equity (ytd only) | 7.1941% | 1,799 |
| Net charge-offs to loans | 0.5773% | 1,144 |
| Credit loss provision to net charge-offs | 96.0657% | 2,318 |
| Earnings coverage of net charge-offs (x) | 10.5538% | 2,147 |
| Efficiency ratio | 46.5852% | 6,606 |
| Assets per employee ($millions) | 8.6368% | 352 |
| Cash dividends to net income (ytd only)* | 46.8858% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8582% | 6,238 |
| Loan loss allowance to noncurrent loans | 39.7744% | 5,640 |
| Noncurrent assets plus other real estate owned to assets | 1.5071% | 2,838 |
| Noncurrent loans to loans | 2.1576% | 2,225 |
| Net loans and leases to total assets | 51.6580% | 4,909 |
| Net loans and leases to deposits | 73.7958% | 3,189 |
| Net loans and leases to core deposits | 79.9968% | 3,022 |
| Total domestic deposits to total assets | 70.0013% | 6,661 |
| Equity capital to assets | 12.1528% | 1,807 |
| Core capital (leverage) ratio | 11.7619% | 1,758 |
| Tier 1 risk-based capital ratio | 24.2072% | 976 |
| Total risk-based capital ratio | 25.2011% | 983 |
| Memoranda: | ||
| Average total assets | $12,611,648,670 | 99 |
| Average earning assets | $10,403,760,000 | 100 |
| Average equity | $1,574,678,330 | 89 |
| Average total loans | $6,076,326,670 | 113 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9097% | 67 |
| Cost of funding earning assets | 0.8906% | 1,035 |
| Net interest margin | 6.0191% | 74 |
| Noninterest income to average assets | 0.5402% | 3,495 |
| Noninterest expense to average assets | 2.4860% | 4,803 |
| Loan and lease loss provision to assets | 0.3865% | 815 |
| Net operating income to assets | 1.5780% | 736 |
| Return on assets (ROA) | 1.6129% | 749 |
| Pretax return on assets | 2.6531% | 218 |
| Return on Equity (ROE) | 12.7381% | 1,228 |
| Retained earnings to average equity (ytd only) | 6.3605% | 2,479 |
| Net charge-offs to loans | 0.7051% | 867 |
| Credit loss provision to net charge-offs | 118.8972% | 1,612 |
| Earnings coverage of net charge-offs (x) | 9.1821% | 1,874 |
| Efficiency ratio | 45.3310% | 6,718 |
| Assets per employee ($millions) | 8.7443% | 352 |
| Cash dividends to net income (ytd only)* | 50.0671% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0438% | 5,817 |
| Loan loss allowance to noncurrent loans | 32.6768% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 2.0344% | 2,298 |
| Noncurrent loans to loans | 3.1943% | 1,539 |
| Net loans and leases to total assets | 46.0401% | 5,435 |
| Net loans and leases to deposits | 65.2870% | 4,152 |
| Net loans and leases to core deposits | 70.4190% | 4,022 |
| Total domestic deposits to total assets | 70.5195% | 6,735 |
| Equity capital to assets | 12.6008% | 1,651 |
| Core capital (leverage) ratio | 11.7249% | 1,731 |
| Tier 1 risk-based capital ratio | 27.1056% | 694 |
| Total risk-based capital ratio | 28.2900% | 687 |
| Memoranda: | ||
| Average total assets | $12,383,701,500 | 100 |
| Average earning assets | $10,144,969,500 | 103 |
| Average equity | $1,567,984,500 | 90 |
| Average total loans | $5,710,058,000 | 121 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6437% | 54 |
| Cost of funding earning assets | 1.3215% | 342 |
| Net interest margin | 6.3221% | 69 |
| Noninterest income to average assets | 0.6633% | 2,917 |
| Noninterest expense to average assets | 2.5874% | 4,781 |
| Loan and lease loss provision to assets | 0.1469% | 3,768 |
| Net operating income to assets | 1.7931% | 514 |
| Return on assets (ROA) | 1.9021% | 478 |
| Pretax return on assets | 3.0774% | 132 |
| Return on Equity (ROE) | 16.3137% | 616 |
| Retained earnings to average equity (ytd only) | 8.9652% | 835 |
| Net charge-offs to loans | 0.1731% | 3,993 |
| Credit loss provision to net charge-offs | 209.7516% | 1,215 |
| Earnings coverage of net charge-offs (x) | 43.6141% | 745 |
| Efficiency ratio | 45.8130% | 6,790 |
| Assets per employee ($millions) | 8.7659% | 356 |
| Cash dividends to net income (ytd only)* | 45.0450% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 5,624 |
| Loan loss allowance to noncurrent loans | 27.6662% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 2.4198% | 2,027 |
| Noncurrent loans to loans | 3.9098% | 1,228 |
| Net loans and leases to total assets | 44.7992% | 5,749 |
| Net loans and leases to deposits | 63.7831% | 4,562 |
| Net loans and leases to core deposits | 68.2804% | 4,508 |
| Total domestic deposits to total assets | 70.2368% | 6,776 |
| Equity capital to assets | 12.3985% | 1,788 |
| Core capital (leverage) ratio | 11.0063% | 2,249 |
| Tier 1 risk-based capital ratio | 29.1179% | 552 |
| Total risk-based capital ratio | 30.3842% | 542 |
| Memoranda: | ||
| Average total assets | $11,671,491,000 | 101 |
| Average earning assets | $9,190,538,400 | 109 |
| Average equity | $1,360,819,000 | 105 |
| Average total loans | $4,722,056,800 | 133 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3996% | 61 |
| Cost of funding earning assets | 1.3784% | 320 |
| Net interest margin | 6.0212% | 85 |
| Noninterest income to average assets | 0.6887% | 2,765 |
| Noninterest expense to average assets | 2.3790% | 5,460 |
| Loan and lease loss provision to assets | 0.1842% | 3,284 |
| Net operating income to assets | 1.7420% | 637 |
| Return on assets (ROA) | 1.8135% | 612 |
| Pretax return on assets | 2.9420% | 163 |
| Return on Equity (ROE) | 15.8053% | 771 |
| Retained earnings to average equity (ytd only) | 8.3317% | 1,477 |
| Net charge-offs to loans | 0.1686% | 3,769 |
| Credit loss provision to net charge-offs | 278.3518% | 976 |
| Earnings coverage of net charge-offs (x) | 45.5548% | 806 |
| Efficiency ratio | 44.0541% | 6,895 |
| Assets per employee ($millions) | 9.0907% | 313 |
| Cash dividends to net income (ytd only)* | 47.2852% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 5,411 |
| Loan loss allowance to noncurrent loans | 19.3650% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 3.2412% | 1,578 |
| Noncurrent loans to loans | 6.0626% | 670 |
| Net loans and leases to total assets | 40.8245% | 6,217 |
| Net loans and leases to deposits | 60.2270% | 5,181 |
| Net loans and leases to core deposits | 64.2955% | 5,121 |
| Total domestic deposits to total assets | 67.7844% | 6,934 |
| Equity capital to assets | 11.5962% | 2,652 |
| Core capital (leverage) ratio | 10.7397% | 2,664 |
| Tier 1 risk-based capital ratio | 29.8894% | 543 |
| Total risk-based capital ratio | 31.1456% | 532 |
| Memoranda: | ||
| Average total assets | $11,661,540,250 | 100 |
| Average earning assets | $9,112,322,250 | 109 |
| Average equity | $1,338,017,750 | 106 |
| Average total loans | $4,576,585,500 | 133 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6469% | 59 |
| Cost of funding earning assets | 1.4331% | 308 |
| Net interest margin | 6.2137% | 79 |
| Noninterest income to average assets | 0.7327% | 2,506 |
| Noninterest expense to average assets | 2.4243% | 5,371 |
| Loan and lease loss provision to assets | 0.1883% | 3,217 |
| Net operating income to assets | 1.8102% | 553 |
| Return on assets (ROA) | 1.8202% | 614 |
| Pretax return on assets | 2.9458% | 163 |
| Return on Equity (ROE) | 15.9233% | 779 |
| Retained earnings to average equity (ytd only) | 8.3244% | 1,511 |
| Net charge-offs to loans | 0.1920% | 3,432 |
| Credit loss provision to net charge-offs | 254.5326% | 1,127 |
| Earnings coverage of net charge-offs (x) | 42.1583% | 840 |
| Efficiency ratio | 43.6850% | 6,966 |
| Assets per employee ($millions) | 8.8177% | 342 |
| Cash dividends to net income (ytd only)* | 47.7222% | 1,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 5,553 |
| Loan loss allowance to noncurrent loans | 16.6377% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 3.6008% | 1,461 |
| Noncurrent loans to loans | 6.9355% | 565 |
| Net loans and leases to total assets | 39.9806% | 6,341 |
| Net loans and leases to deposits | 58.8310% | 5,365 |
| Net loans and leases to core deposits | 62.3294% | 5,359 |
| Total domestic deposits to total assets | 67.9584% | 6,997 |
| Equity capital to assets | 11.5126% | 2,579 |
| Core capital (leverage) ratio | 10.7315% | 2,561 |
| Tier 1 risk-based capital ratio | 30.5751% | 495 |
| Total risk-based capital ratio | 31.9287% | 483 |
| Memoranda: | ||
| Average total assets | $11,512,469,000 | 100 |
| Average earning assets | $8,911,981,330 | 110 |
| Average equity | $1,315,970,000 | 107 |
| Average total loans | $4,434,760,330 | 134 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7271% | 56 |
| Cost of funding earning assets | 1.4833% | 312 |
| Net interest margin | 6.2438% | 83 |
| Noninterest income to average assets | 0.8649% | 1,894 |
| Noninterest expense to average assets | 2.3906% | 5,503 |
| Loan and lease loss provision to assets | 0.3072% | 2,048 |
| Net operating income to assets | 1.8362% | 560 |
| Return on assets (ROA) | 1.8366% | 631 |
| Pretax return on assets | 2.9478% | 195 |
| Return on Equity (ROE) | 16.1268% | 788 |
| Retained earnings to average equity (ytd only) | 8.4097% | 1,816 |
| Net charge-offs to loans | 0.0651% | 3,840 |
| Credit loss provision to net charge-offs | 1,257.4101% | 275 |
| Earnings coverage of net charge-offs (x) | 133.2029% | 265 |
| Efficiency ratio | 42.2967% | 7,047 |
| Assets per employee ($millions) | 8.7569% | 355 |
| Cash dividends to net income (ytd only)* | 47.8524% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 5,093 |
| Loan loss allowance to noncurrent loans | 15.3550% | 6,679 |
| Noncurrent assets plus other real estate owned to assets | 4.1055% | 1,340 |
| Noncurrent loans to loans | 8.3578% | 445 |
| Net loans and leases to total assets | 37.5630% | 6,526 |
| Net loans and leases to deposits | 55.7133% | 5,639 |
| Net loans and leases to core deposits | 58.9829% | 5,625 |
| Total domestic deposits to total assets | 67.4221% | 7,068 |
| Equity capital to assets | 11.4412% | 2,492 |
| Core capital (leverage) ratio | 10.8948% | 2,349 |
| Tier 1 risk-based capital ratio | 32.3154% | 419 |
| Total risk-based capital ratio | 33.6552% | 407 |
| Memoranda: | ||
| Average total assets | $11,378,461,500 | 100 |
| Average earning assets | $8,711,103,500 | 111 |
| Average equity | $1,295,833,000 | 108 |
| Average total loans | $4,269,695,500 | 135 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1735% | 51 |
| Cost of funding earning assets | 1.7815% | 232 |
| Net interest margin | 6.3921% | 69 |
| Noninterest income to average assets | 0.9658% | 1,458 |
| Noninterest expense to average assets | 2.5153% | 5,419 |
| Loan and lease loss provision to assets | 0.1271% | 5,024 |
| Net operating income to assets | 1.7360% | 517 |
| Return on assets (ROA) | 1.7427% | 547 |
| Pretax return on assets | 2.9166% | 133 |
| Return on Equity (ROE) | 15.2999% | 698 |
| Retained earnings to average equity (ytd only) | 6.0187% | 2,008 |
| Net charge-offs to loans | 0.6092% | 2,620 |
| Credit loss provision to net charge-offs | 58.1350% | 5,218 |
| Earnings coverage of net charge-offs (x) | 13.8721% | 1,508 |
| Efficiency ratio | 45.2762% | 7,081 |
| Assets per employee ($millions) | 8.4068% | 408 |
| Cash dividends to net income (ytd only)* | 60.6620% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 5,542 |
| Loan loss allowance to noncurrent loans | 12.4326% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 4.5817% | 1,193 |
| Noncurrent loans to loans | 9.4014% | 359 |
| Net loans and leases to total assets | 36.5481% | 6,727 |
| Net loans and leases to deposits | 54.4585% | 6,025 |
| Net loans and leases to core deposits | 57.6425% | 6,029 |
| Total domestic deposits to total assets | 67.1119% | 7,104 |
| Equity capital to assets | 11.3340% | 2,659 |
| Core capital (leverage) ratio | 10.7674% | 2,462 |
| Tier 1 risk-based capital ratio | 34.5877% | 346 |
| Total risk-based capital ratio | 35.8644% | 336 |
| Memoranda: | ||
| Average total assets | $10,878,205,800 | 98 |
| Average earning assets | $7,799,082,800 | 120 |
| Average equity | $1,239,058,000 | 109 |
| Average total loans | $3,904,412,000 | 143 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0803% | 51 |
| Cost of funding earning assets | 1.8325% | 234 |
| Net interest margin | 6.2478% | 75 |
| Noninterest income to average assets | 1.3085% | 764 |
| Noninterest expense to average assets | 2.6943% | 4,749 |
| Loan and lease loss provision to assets | 0.1212% | 4,919 |
| Net operating income to assets | 1.7445% | 572 |
| Return on assets (ROA) | 1.7541% | 616 |
| Pretax return on assets | 2.9288% | 146 |
| Return on Equity (ROE) | 15.3800% | 769 |
| Retained earnings to average equity (ytd only) | 5.6363% | 2,778 |
| Net charge-offs to loans | 0.0636% | 5,333 |
| Credit loss provision to net charge-offs | 535.2236% | 518 |
| Earnings coverage of net charge-offs (x) | 134.0263% | 279 |
| Efficiency ratio | 46.5766% | 7,031 |
| Assets per employee ($millions) | 8.4525% | 403 |
| Cash dividends to net income (ytd only)* | 63.3531% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6623% | 7,013 |
| Loan loss allowance to noncurrent loans | 5.1219% | 6,937 |
| Noncurrent assets plus other real estate owned to assets | 5.8766% | 923 |
| Noncurrent loans to loans | 12.9315% | 204 |
| Net loans and leases to total assets | 36.3376% | 6,851 |
| Net loans and leases to deposits | 55.7057% | 6,057 |
| Net loans and leases to core deposits | 58.6988% | 6,075 |
| Total domestic deposits to total assets | 65.2313% | 7,222 |
| Equity capital to assets | 11.4568% | 2,724 |
| Core capital (leverage) ratio | 10.7865% | 2,584 |
| Tier 1 risk-based capital ratio | 37.3236% | 295 |
| Total risk-based capital ratio | 38.1748% | 296 |
| Memoranda: | ||
| Average total assets | $10,798,291,500 | 100 |
| Average earning assets | $7,640,678,000 | 122 |
| Average equity | $1,231,530,500 | 108 |
| Average total loans | $3,845,262,500 | 147 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0180% | 55 |
| Cost of funding earning assets | 1.8871% | 220 |
| Net interest margin | 6.1310% | 86 |
| Noninterest income to average assets | 1.5076% | 565 |
| Noninterest expense to average assets | 2.8029% | 4,415 |
| Loan and lease loss provision to assets | 0.1591% | 4,328 |
| Net operating income to assets | 1.6874% | 616 |
| Return on assets (ROA) | 1.6886% | 663 |
| Pretax return on assets | 2.8131% | 161 |
| Return on Equity (ROE) | 14.8286% | 831 |
| Retained earnings to average equity (ytd only) | 5.0377% | 2,985 |
| Net charge-offs to loans | 0.2892% | 3,430 |
| Credit loss provision to net charge-offs | 155.9359% | 1,952 |
| Earnings coverage of net charge-offs (x) | 29.1058% | 948 |
| Efficiency ratio | 48.1715% | 7,050 |
| Assets per employee ($millions) | 8.4746% | 387 |
| Cash dividends to net income (ytd only)* | 66.0269% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5683% | 7,180 |
| Loan loss allowance to noncurrent loans | 3.8202% | 6,994 |
| Noncurrent assets plus other real estate owned to assets | 6.5684% | 810 |
| Noncurrent loans to loans | 14.8770% | 142 |
| Net loans and leases to total assets | 35.0717% | 7,012 |
| Net loans and leases to deposits | 54.1244% | 6,298 |
| Net loans and leases to core deposits | 56.1445% | 6,405 |
| Total domestic deposits to total assets | 64.7982% | 7,293 |
| Equity capital to assets | 11.5995% | 2,412 |
| Core capital (leverage) ratio | 10.7875% | 2,434 |
| Tier 1 risk-based capital ratio | 40.6170% | 237 |
| Total risk-based capital ratio | 41.4996% | 237 |
| Memoranda: | ||
| Average total assets | $10,763,138,330 | 104 |
| Average earning assets | $7,488,397,330 | 122 |
| Average equity | $1,225,632,000 | 109 |
| Average total loans | $3,797,491,330 | 150 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0517% | 57 |
| Cost of funding earning assets | 1.9472% | 208 |
| Net interest margin | 6.1045% | 91 |
| Noninterest income to average assets | 1.6668% | 489 |
| Noninterest expense to average assets | 2.8635% | 4,220 |
| Loan and lease loss provision to assets | 0.4251% | 2,061 |
| Net operating income to assets | 1.5294% | 821 |
| Return on assets (ROA) | 1.5295% | 863 |
| Pretax return on assets | 2.5520% | 235 |
| Return on Equity (ROE) | 13.5570% | 1,076 |
| Retained earnings to average equity (ytd only) | 3.6902% | 3,961 |
| Net charge-offs to loans | 1.1321% | 1,226 |
| Credit loss provision to net charge-offs | 106.3992% | 2,508 |
| Earnings coverage of net charge-offs (x) | 7.4516% | 1,944 |
| Efficiency ratio | 48.8298% | 7,077 |
| Assets per employee ($millions) | 8.6302% | 375 |
| Cash dividends to net income (ytd only)* | 72.7802% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5154% | 7,270 |
| Loan loss allowance to noncurrent loans | 3.0223% | 7,056 |
| Noncurrent assets plus other real estate owned to assets | 7.6240% | 649 |
| Noncurrent loans to loans | 17.0545% | 109 |
| Net loans and leases to total assets | 34.5174% | 7,072 |
| Net loans and leases to deposits | 52.6733% | 6,425 |
| Net loans and leases to core deposits | 54.4917% | 6,525 |
| Total domestic deposits to total assets | 65.5310% | 7,341 |
| Equity capital to assets | 11.4441% | 2,317 |
| Core capital (leverage) ratio | 10.6238% | 2,487 |
| Tier 1 risk-based capital ratio | 44.0448% | 185 |
| Total risk-based capital ratio | 44.9204% | 189 |
| Memoranda: | ||
| Average total assets | $10,780,286,500 | 103 |
| Average earning assets | $7,370,440,000 | 127 |
| Average equity | $1,216,200,500 | 111 |
| Average total loans | $3,804,092,500 | 150 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4848% | 84 |
| Cost of funding earning assets | 2.2502% | 255 |
| Net interest margin | 5.2345% | 267 |
| Noninterest income to average assets | 2.3164% | 312 |
| Noninterest expense to average assets | 2.4999% | 5,798 |
| Loan and lease loss provision to assets | 0.3154% | 4,280 |
| Net operating income to assets | 1.8943% | 344 |
| Return on assets (ROA) | 1.8886% | 369 |
| Pretax return on assets | 2.9906% | 123 |
| Return on Equity (ROE) | 17.9404% | 383 |
| Retained earnings to average equity (ytd only) | 12.8445% | 219 |
| Net charge-offs to loans | 0.4570% | 3,790 |
| Credit loss provision to net charge-offs | 181.4306% | 1,820 |
| Earnings coverage of net charge-offs (x) | 19.0661% | 1,081 |
| Efficiency ratio | 42.8921% | 7,441 |
| Assets per employee ($millions) | 8.9300% | 347 |
| Cash dividends to net income (ytd only)* | 28.4049% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4729% | 7,380 |
| Loan loss allowance to noncurrent loans | 2.5068% | 7,139 |
| Noncurrent assets plus other real estate owned to assets | 8.6685% | 534 |
| Noncurrent loans to loans | 18.8650% | 85 |
| Net loans and leases to total assets | 35.6996% | 7,169 |
| Net loans and leases to deposits | 53.3693% | 6,654 |
| Net loans and leases to core deposits | 55.6448% | 6,711 |
| Total domestic deposits to total assets | 66.8916% | 7,363 |
| Equity capital to assets | 11.1219% | 2,579 |
| Core capital (leverage) ratio | 10.3429% | 2,731 |
| Tier 1 risk-based capital ratio | 41.3050% | 225 |
| Total risk-based capital ratio | 42.0448% | 226 |
| Memoranda: | ||
| Average total assets | $11,184,434,000 | 96 |
| Average earning assets | $7,475,001,000 | 126 |
| Average equity | $1,177,403,200 | 109 |
| Average total loans | $4,255,090,400 | 139 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3894% | 92 |
| Cost of funding earning assets | 2.2629% | 312 |
| Net interest margin | 5.1266% | 336 |
| Noninterest income to average assets | 2.5131% | 275 |
| Noninterest expense to average assets | 2.3168% | 6,267 |
| Loan and lease loss provision to assets | 0.3436% | 3,863 |
| Net operating income to assets | 2.0673% | 304 |
| Return on assets (ROA) | 2.0500% | 331 |
| Pretax return on assets | 3.2447% | 99 |
| Return on Equity (ROE) | 19.7421% | 321 |
| Retained earnings to average equity (ytd only) | 16.3222% | 158 |
| Net charge-offs to loans | 0.3582% | 3,870 |
| Credit loss provision to net charge-offs | 248.7661% | 1,344 |
| Earnings coverage of net charge-offs (x) | 26.1722% | 969 |
| Efficiency ratio | 38.9798% | 7,599 |
| Assets per employee ($millions) | 9.9680% | 264 |
| Cash dividends to net income (ytd only)* | 17.3231% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4868% | 7,469 |
| Loan loss allowance to noncurrent loans | 2.0815% | 7,249 |
| Noncurrent assets plus other real estate owned to assets | 10.3375% | 380 |
| Noncurrent loans to loans | 23.3849% | 43 |
| Net loans and leases to total assets | 36.5852% | 7,239 |
| Net loans and leases to deposits | 54.8612% | 6,701 |
| Net loans and leases to core deposits | 57.4539% | 6,768 |
| Total domestic deposits to total assets | 66.6869% | 7,443 |
| Equity capital to assets | 10.7424% | 3,238 |
| Core capital (leverage) ratio | 10.0851% | 3,168 |
| Tier 1 risk-based capital ratio | 42.4564% | 208 |
| Total risk-based capital ratio | 43.2717% | 212 |
| Memoranda: | ||
| Average total assets | $11,263,589,250 | 95 |
| Average earning assets | $7,512,180,250 | 126 |
| Average equity | $1,169,577,500 | 108 |
| Average total loans | $4,344,312,250 | 136 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3453% | 102 |
| Cost of funding earning assets | 2.2716% | 368 |
| Net interest margin | 5.0737% | 362 |
| Noninterest income to average assets | 2.5742% | 261 |
| Noninterest expense to average assets | 2.2560% | 6,489 |
| Loan and lease loss provision to assets | 0.1764% | 5,104 |
| Net operating income to assets | 2.1502% | 253 |
| Return on assets (ROA) | 2.1183% | 297 |
| Pretax return on assets | 3.4487% | 91 |
| Return on Equity (ROE) | 20.6350% | 278 |
| Retained earnings to average equity (ytd only) | 20.6350% | 78 |
| Net charge-offs to loans | -0.0948% | 7,547 |
| Credit loss provision to net charge-offs | -475.2504% | 6,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9674% | 7,678 |
| Assets per employee ($millions) | 10.1477% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3453% | 7,637 |
| Loan loss allowance to noncurrent loans | 1.3415% | 7,326 |
| Noncurrent assets plus other real estate owned to assets | 11.1537% | 315 |
| Noncurrent loans to loans | 25.7382% | 29 |
| Net loans and leases to total assets | 37.5749% | 7,288 |
| Net loans and leases to deposits | 55.9992% | 6,727 |
| Net loans and leases to core deposits | 59.2440% | 6,753 |
| Total domestic deposits to total assets | 67.0990% | 7,474 |
| Equity capital to assets | 10.7727% | 3,101 |
| Core capital (leverage) ratio | 9.8775% | 3,303 |
| Tier 1 risk-based capital ratio | 36.4963% | 313 |
| Total risk-based capital ratio | 36.9821% | 320 |
| Memoranda: | ||
| Average total assets | $11,300,054,000 | 94 |
| Average earning assets | $7,475,811,330 | 125 |
| Average equity | $1,160,027,670 | 106 |
| Average total loans | $4,425,499,670 | 133 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2518% | 126 |
| Cost of funding earning assets | 2.2358% | 530 |
| Net interest margin | 5.0160% | 407 |
| Noninterest income to average assets | 2.7774% | 229 |
| Noninterest expense to average assets | 2.0018% | 7,155 |
| Loan and lease loss provision to assets | 0.2892% | 3,707 |
| Net operating income to assets | 2.3190% | 204 |
| Return on assets (ROA) | 2.3195% | 227 |
| Pretax return on assets | 3.7734% | 87 |
| Return on Equity (ROE) | 23.1644% | 221 |
| Retained earnings to average equity (ytd only) | 23.1644% | 130 |
| Net charge-offs to loans | 0.4149% | 2,797 |
| Credit loss provision to net charge-offs | 174.7384% | 2,084 |
| Earnings coverage of net charge-offs (x) | 24.5413% | 1,010 |
| Efficiency ratio | 32.9554% | 7,826 |
| Assets per employee ($millions) | 10.6735% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1375% | 7,832 |
| Loan loss allowance to noncurrent loans | 0.5220% | 7,405 |
| Noncurrent assets plus other real estate owned to assets | 11.5017% | 296 |
| Noncurrent loans to loans | 26.3343% | 33 |
| Net loans and leases to total assets | 38.6608% | 7,322 |
| Net loans and leases to deposits | 56.7911% | 6,718 |
| Net loans and leases to core deposits | 60.1483% | 6,735 |
| Total domestic deposits to total assets | 68.0754% | 7,524 |
| Equity capital to assets | 10.1985% | 3,611 |
| Core capital (leverage) ratio | 9.2710% | 4,104 |
| Tier 1 risk-based capital ratio | 42.9724% | 211 |
| Total risk-based capital ratio | 43.2533% | 222 |
| Memoranda: | ||
| Average total assets | $11,318,099,000 | 92 |
| Average earning assets | $7,414,754,000 | 125 |
| Average equity | $1,133,325,000 | 106 |
| Average total loans | $4,514,706,000 | 133 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 6,735 |
| Cost of funding earning assets | 1.2170% | 6,599 |
| Net interest margin | 3.6718% | 4,250 |
| Noninterest income to average assets | 2.1669% | 338 |
| Noninterest expense to average assets | 1.3818% | 7,843 |
| Loan and lease loss provision to assets | 0.2014% | 5,732 |
| Net operating income to assets | 1.7405% | 404 |
| Return on assets (ROA) | 1.7386% | 437 |
| Pretax return on assets | 2.8329% | 110 |
| Return on Equity (ROE) | 19.3647% | 278 |
| Retained earnings to average equity (ytd only) | 19.3602% | 40 |
| Net charge-offs to loans | 0.4452% | 4,013 |
| Credit loss provision to net charge-offs | 112.9864% | 4,852 |
| Earnings coverage of net charge-offs (x) | 17.0426% | 1,214 |
| Efficiency ratio | 31.2328% | 7,929 |
| Assets per employee ($millions) | 10.6206% | 230 |
| Cash dividends to net income (ytd only)* | 0.0236% | 4,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0566% | 7,924 |
| Loan loss allowance to noncurrent loans | 0.2042% | 7,442 |
| Noncurrent assets plus other real estate owned to assets | 12.4711% | 229 |
| Noncurrent loans to loans | 27.7309% | 27 |
| Net loans and leases to total assets | 41.0718% | 7,299 |
| Net loans and leases to deposits | 59.2685% | 6,684 |
| Net loans and leases to core deposits | 78.6284% | 6,210 |
| Total domestic deposits to total assets | 69.2979% | 7,474 |
| Equity capital to assets | 9.8235% | 3,979 |
| Core capital (leverage) ratio | 8.9010% | 4,585 |
| Tier 1 risk-based capital ratio | 40.9958% | 235 |
| Total risk-based capital ratio | 41.1196% | 248 |
| Memoranda: | ||
| Average total assets | $11,234,085,670 | 96 |
| Average earning assets | $6,890,647,670 | 129 |
| Average equity | $1,008,596,670 | 113 |
| Average total loans | $4,497,281,000 | 133 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 7,814 |
| Cost of funding earning assets | 0.9587% | 7,469 |
| Net interest margin | 3.0066% | 6,592 |
| Noninterest income to average assets | 1.2580% | 980 |
| Noninterest expense to average assets | 0.8150% | 8,051 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3835% | 1,061 |
| Return on assets (ROA) | 1.3835% | 1,122 |
| Pretax return on assets | 2.2493% | 316 |
| Return on Equity (ROE) | 16.1647% | 629 |
| Retained earnings to average equity (ytd only) | 16.1583% | 120 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.5600% | 8,030 |
| Assets per employee ($millions) | 10.6264% | 232 |
| Cash dividends to net income (ytd only)* | 0.0394% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,528 |
| Noncurrent assets plus other real estate owned to assets | 12.6781% | 195 |
| Noncurrent loans to loans | 27.6054% | 21 |
| Net loans and leases to total assets | 41.9430% | 7,368 |
| Net loans and leases to deposits | 56.2161% | 7,075 |
| Net loans and leases to core deposits | 77.8354% | 6,507 |
| Total domestic deposits to total assets | 74.6103% | 6,846 |
| Equity capital to assets | 8.9259% | 5,597 |
| Core capital (leverage) ratio | 8.7972% | 4,982 |
| Tier 1 risk-based capital ratio | 45.8643% | 200 |
| Total risk-based capital ratio | 45.8916% | 209 |
| Memoranda: | ||
| Average total assets | $11,264,698,500 | 101 |
| Average earning assets | $6,767,794,500 | 135 |
| Average equity | $964,112,500 | 122 |
| Average total loans | $4,450,172,500 | 143 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5801% | 8,138 |
| Cost of funding earning assets | 0.5994% | 7,987 |
| Net interest margin | 0.9807% | 8,104 |
| Noninterest income to average assets | 0.8842% | 2,044 |
| Noninterest expense to average assets | 0.3539% | 8,180 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6693% | 3,388 |
| Return on assets (ROA) | 0.6693% | 3,500 |
| Pretax return on assets | 1.0776% | 2,710 |
| Return on Equity (ROE) | 8.1715% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.1615% | 1,163 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.7251% | 8,126 |
| Assets per employee ($millions) | 10.4499% | 236 |
| Cash dividends to net income (ytd only)* | 0.1223% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,563 |
| Noncurrent assets plus other real estate owned to assets | 11.4086% | 211 |
| Noncurrent loans to loans | 26.0077% | 25 |
| Net loans and leases to total assets | 37.0590% | 7,674 |
| Net loans and leases to deposits | 49.8108% | 7,492 |
| Net loans and leases to core deposits | 70.4048% | 6,996 |
| Total domestic deposits to total assets | 74.3996% | 6,892 |
| Equity capital to assets | 8.1902% | 6,509 |
| Core capital (leverage) ratio | 8.1261% | 6,114 |
| Tier 1 risk-based capital ratio | 40.3024% | 301 |
| Total risk-based capital ratio | 40.3039% | 323 |
| Memoranda: | ||
| Average total assets | $11,244,110,000 | 107 |
| Average earning assets | $6,274,903,000 | 145 |
| Average equity | $920,910,000 | 128 |
| Average total loans | $4,166,960,000 | 152 |