Home > Cadence Bank > Performance and Condition Ratios
Cadence Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8780% | 1,468 |
| Cost of funding earning assets | 2.5639% | 1,029 |
| Net interest margin | 3.3140% | 2,481 |
| Noninterest income to average assets | 0.7400% | 1,053 |
| Noninterest expense to average assets | 2.1637% | 3,231 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 1.0898% | 1,780 |
| Return on assets (ROA) | 1.0843% | 1,803 |
| Pretax return on assets | 1.4002% | 1,515 |
| Return on Equity (ROE) | 9.7700% | 2,213 |
| Retained earnings to average equity (ytd only) | 6.1871% | 1,748 |
| Net charge-offs to loans | 0.2346% | 620 |
| Credit loss provision to net charge-offs | 90.7453% | 2,024 |
| Earnings coverage of net charge-offs (x) | 9.5933% | 2,313 |
| Efficiency ratio | 57.3102% | 3,426 |
| Assets per employee ($millions) | 8.8133% | 1,133 |
| Cash dividends to net income (ytd only)* | 36.6928% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 1,451 |
| Loan loss allowance to noncurrent loans | 132.8657% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.7493% | 989 |
| Noncurrent loans to loans | 1.0205% | 982 |
| Net loans and leases to total assets | 71.3000% | 1,749 |
| Net loans and leases to deposits | 82.7859% | 1,887 |
| Net loans and leases to core deposits | 94.4149% | 1,815 |
| Total domestic deposits to total assets | 86.1300% | 2,185 |
| Equity capital to assets | 11.8456% | 1,239 |
| Core capital (leverage) ratio | 10.4119% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9677% | 1,889 |
| Memoranda: | ||
| Average total assets | $48,291,314,800 | 50 |
| Average earning assets | $43,337,211,600 | 48 |
| Average equity | $5,357,615,800 | 49 |
| Average total loans | $33,348,360,200 | 46 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8815% | 1,414 |
| Cost of funding earning assets | 2.6106% | 962 |
| Net interest margin | 3.2709% | 2,513 |
| Noninterest income to average assets | 0.7500% | 990 |
| Noninterest expense to average assets | 2.1367% | 3,246 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 1.0777% | 1,828 |
| Return on assets (ROA) | 1.0722% | 1,850 |
| Pretax return on assets | 1.3898% | 1,543 |
| Return on Equity (ROE) | 9.8200% | 2,247 |
| Retained earnings to average equity (ytd only) | 6.2085% | 2,015 |
| Net charge-offs to loans | 0.2578% | 489 |
| Credit loss provision to net charge-offs | 88.8196% | 1,792 |
| Earnings coverage of net charge-offs (x) | 8.8079% | 2,195 |
| Efficiency ratio | 57.0579% | 3,455 |
| Assets per employee ($millions) | 9.2369% | 991 |
| Cash dividends to net income (ytd only)* | 36.8081% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 1,423 |
| Loan loss allowance to noncurrent loans | 130.2215% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.7296% | 976 |
| Noncurrent loans to loans | 1.0561% | 943 |
| Net loans and leases to total assets | 67.1700% | 2,185 |
| Net loans and leases to deposits | 85.0807% | 1,727 |
| Net loans and leases to core deposits | 93.6024% | 1,904 |
| Total domestic deposits to total assets | 78.9400% | 3,620 |
| Equity capital to assets | 11.3258% | 1,555 |
| Core capital (leverage) ratio | 10.0526% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4615% | 1,720 |
| Memoranda: | ||
| Average total assets | $48,609,346,000 | 51 |
| Average earning assets | $43,684,636,500 | 49 |
| Average equity | $5,304,599,000 | 51 |
| Average total loans | $33,188,963,500 | 48 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8891% | 1,323 |
| Cost of funding earning assets | 2.6197% | 894 |
| Net interest margin | 3.2694% | 2,484 |
| Noninterest income to average assets | 0.7600% | 952 |
| Noninterest expense to average assets | 2.1473% | 3,214 |
| Loan and lease loss provision to assets | 0.1800% | 618 |
| Net operating income to assets | 1.0531% | 1,839 |
| Return on assets (ROA) | 1.0512% | 1,856 |
| Pretax return on assets | 1.3665% | 1,560 |
| Return on Equity (ROE) | 9.7600% | 2,252 |
| Retained earnings to average equity (ytd only) | 6.0792% | 1,978 |
| Net charge-offs to loans | 0.2540% | 438 |
| Credit loss provision to net charge-offs | 104.7320% | 1,452 |
| Earnings coverage of net charge-offs (x) | 8.9341% | 2,040 |
| Efficiency ratio | 57.1661% | 3,472 |
| Assets per employee ($millions) | 9.0707% | 981 |
| Cash dividends to net income (ytd only)* | 37.7005% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 1,375 |
| Loan loss allowance to noncurrent loans | 168.1478% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 1,141 |
| Noncurrent loans to loans | 0.8342% | 1,116 |
| Net loans and leases to total assets | 68.8600% | 2,031 |
| Net loans and leases to deposits | 87.2731% | 1,544 |
| Net loans and leases to core deposits | 95.0581% | 1,785 |
| Total domestic deposits to total assets | 78.9000% | 3,599 |
| Equity capital to assets | 11.0198% | 1,564 |
| Core capital (leverage) ratio | 9.7321% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2343% | 1,799 |
| Memoranda: | ||
| Average total assets | $48,410,817,000 | 50 |
| Average earning assets | $43,447,334,000 | 49 |
| Average equity | $5,215,177,667 | 49 |
| Average total loans | $33,081,980,333 | 47 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8407% | 1,269 |
| Cost of funding earning assets | 2.5963% | 841 |
| Net interest margin | 3.2445% | 2,466 |
| Noninterest income to average assets | 0.6900% | 1,060 |
| Noninterest expense to average assets | 2.1660% | 3,148 |
| Loan and lease loss provision to assets | 0.1800% | 570 |
| Net operating income to assets | 0.9649% | 2,044 |
| Return on assets (ROA) | 0.9623% | 2,058 |
| Pretax return on assets | 1.2544% | 1,754 |
| Return on Equity (ROE) | 9.0300% | 2,382 |
| Retained earnings to average equity (ytd only) | 5.3299% | 2,308 |
| Net charge-offs to loans | 0.2368% | 387 |
| Credit loss provision to net charge-offs | 123.3362% | 1,033 |
| Earnings coverage of net charge-offs (x) | 8.9878% | 1,687 |
| Efficiency ratio | 59.1598% | 3,337 |
| Assets per employee ($millions) | 9.0764% | 986 |
| Cash dividends to net income (ytd only)* | 41.0077% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 1,287 |
| Loan loss allowance to noncurrent loans | 146.7333% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6769% | 926 |
| Noncurrent loans to loans | 0.9744% | 891 |
| Net loans and leases to total assets | 67.4300% | 2,077 |
| Net loans and leases to deposits | 85.4654% | 1,586 |
| Net loans and leases to core deposits | 92.5382% | 1,876 |
| Total domestic deposits to total assets | 78.9000% | 3,689 |
| Equity capital to assets | 10.7421% | 1,611 |
| Core capital (leverage) ratio | 9.4612% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4861% | 1,708 |
| Memoranda: | ||
| Average total assets | $48,624,186,500 | 50 |
| Average earning assets | $43,632,394,500 | 47 |
| Average equity | $5,178,887,500 | 49 |
| Average total loans | $32,867,747,500 | 46 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2432% | 1,588 |
| Cost of funding earning assets | 2.1762% | 675 |
| Net interest margin | 3.0671% | 3,160 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.3410% | 2,741 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.7044% | 3,187 |
| Return on assets (ROA) | 1.0993% | 1,894 |
| Pretax return on assets | 1.0900% | 2,436 |
| Return on Equity (ROE) | 11.8700% | 1,984 |
| Retained earnings to average equity (ytd only) | 7.9033% | 1,570 |
| Net charge-offs to loans | 0.2266% | 481 |
| Credit loss provision to net charge-offs | 137.8018% | 1,545 |
| Earnings coverage of net charge-offs (x) | 7.0870% | 2,430 |
| Efficiency ratio | 68.0265% | 2,106 |
| Assets per employee ($millions) | 9.1758% | 928 |
| Cash dividends to net income (ytd only)* | 33.3964% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 1,273 |
| Loan loss allowance to noncurrent loans | 158.5852% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 888 |
| Noncurrent loans to loans | 0.9030% | 832 |
| Net loans and leases to total assets | 65.8300% | 2,272 |
| Net loans and leases to deposits | 83.6823% | 1,809 |
| Net loans and leases to core deposits | 90.4805% | 2,019 |
| Total domestic deposits to total assets | 78.6700% | 3,653 |
| Equity capital to assets | 10.5607% | 1,701 |
| Core capital (leverage) ratio | 9.2953% | 3,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3170% | 1,751 |
| Memoranda: | ||
| Average total assets | $49,331,469,800 | 45 |
| Average earning assets | $44,059,842,800 | 45 |
| Average equity | $4,570,148,400 | 51 |
| Average total loans | $32,026,428,000 | 43 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1204% | 1,592 |
| Cost of funding earning assets | 2.0488% | 649 |
| Net interest margin | 3.0716% | 3,198 |
| Noninterest income to average assets | 1.0200% | 619 |
| Noninterest expense to average assets | 2.5206% | 2,161 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.8748% | 2,779 |
| Return on assets (ROA) | 0.7640% | 3,120 |
| Pretax return on assets | 0.9839% | 2,901 |
| Return on Equity (ROE) | 8.5400% | 3,048 |
| Retained earnings to average equity (ytd only) | 4.4460% | 3,124 |
| Net charge-offs to loans | 0.2040% | 434 |
| Credit loss provision to net charge-offs | 112.8367% | 1,530 |
| Earnings coverage of net charge-offs (x) | 9.4124% | 2,165 |
| Efficiency ratio | 65.8799% | 2,295 |
| Assets per employee ($millions) | 7.8771% | 1,414 |
| Cash dividends to net income (ytd only)* | 47.9544% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 1,596 |
| Loan loss allowance to noncurrent loans | 220.9898% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 1,374 |
| Noncurrent loans to loans | 0.6187% | 1,314 |
| Net loans and leases to total assets | 66.4300% | 2,207 |
| Net loans and leases to deposits | 84.0689% | 1,732 |
| Net loans and leases to core deposits | 91.6981% | 1,815 |
| Total domestic deposits to total assets | 79.0200% | 3,695 |
| Equity capital to assets | 9.0581% | 2,385 |
| Core capital (leverage) ratio | 8.6433% | 4,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9370% | 2,285 |
| Memoranda: | ||
| Average total assets | $49,430,709,750 | 46 |
| Average earning assets | $44,138,063,000 | 45 |
| Average equity | $4,420,724,750 | 53 |
| Average total loans | $31,862,204,250 | 44 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 1,649 |
| Cost of funding earning assets | 1.8540% | 673 |
| Net interest margin | 3.0971% | 3,232 |
| Noninterest income to average assets | 1.0300% | 539 |
| Noninterest expense to average assets | 2.5028% | 2,197 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.9289% | 2,656 |
| Return on assets (ROA) | 0.7667% | 3,188 |
| Pretax return on assets | 0.9894% | 2,945 |
| Return on Equity (ROE) | 8.6100% | 3,083 |
| Retained earnings to average equity (ytd only) | 4.5202% | 3,077 |
| Net charge-offs to loans | 0.0924% | 710 |
| Credit loss provision to net charge-offs | 274.1792% | 905 |
| Earnings coverage of net charge-offs (x) | 22.0768% | 1,707 |
| Efficiency ratio | 64.6662% | 2,414 |
| Assets per employee ($millions) | 7.5380% | 1,584 |
| Cash dividends to net income (ytd only)* | 47.4947% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 1,440 |
| Loan loss allowance to noncurrent loans | 221.1307% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 1,220 |
| Noncurrent loans to loans | 0.6435% | 1,162 |
| Net loans and leases to total assets | 66.1000% | 2,148 |
| Net loans and leases to deposits | 83.4174% | 1,728 |
| Net loans and leases to core deposits | 91.9484% | 1,686 |
| Total domestic deposits to total assets | 79.2400% | 3,687 |
| Equity capital to assets | 9.1850% | 2,384 |
| Core capital (leverage) ratio | 8.4666% | 4,153 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7047% | 2,401 |
| Memoranda: | ||
| Average total assets | $49,733,276,333 | 46 |
| Average earning assets | $44,416,375,000 | 45 |
| Average equity | $4,429,214,000 | 53 |
| Average total loans | $31,588,616,000 | 45 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6934% | 1,866 |
| Cost of funding earning assets | 1.5331% | 788 |
| Net interest margin | 3.1603% | 3,209 |
| Noninterest income to average assets | 0.9900% | 585 |
| Noninterest expense to average assets | 2.5392% | 2,135 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.9312% | 2,752 |
| Return on assets (ROA) | 0.6108% | 3,630 |
| Pretax return on assets | 0.7896% | 3,486 |
| Return on Equity (ROE) | 6.9600% | 3,527 |
| Retained earnings to average equity (ytd only) | 2.8519% | 3,538 |
| Net charge-offs to loans | 0.0242% | 1,205 |
| Credit loss provision to net charge-offs | 800.0000% | 413 |
| Earnings coverage of net charge-offs (x) | 85.2987% | 864 |
| Efficiency ratio | 65.5286% | 2,263 |
| Assets per employee ($millions) | 7.8716% | 1,420 |
| Cash dividends to net income (ytd only)* | 59.0528% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4414% | 1,458 |
| Loan loss allowance to noncurrent loans | 206.3596% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 1,193 |
| Noncurrent loans to loans | 0.6985% | 1,091 |
| Net loans and leases to total assets | 60.0200% | 2,645 |
| Net loans and leases to deposits | 78.7023% | 1,911 |
| Net loans and leases to core deposits | 86.1392% | 1,857 |
| Total domestic deposits to total assets | 76.2600% | 4,144 |
| Equity capital to assets | 8.6867% | 2,751 |
| Core capital (leverage) ratio | 8.3593% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7872% | 2,468 |
| Memoranda: | ||
| Average total assets | $50,180,584,500 | 49 |
| Average earning assets | $44,840,388,000 | 48 |
| Average equity | $4,400,895,500 | 54 |
| Average total loans | $31,007,953,000 | 47 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 2,656 |
| Cost of funding earning assets | 0.4895% | 1,472 |
| Net interest margin | 3.1606% | 2,983 |
| Noninterest income to average assets | 1.0400% | 600 |
| Noninterest expense to average assets | 2.5885% | 1,859 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9755% | 2,651 |
| Return on assets (ROA) | 0.9691% | 2,621 |
| Pretax return on assets | 1.2539% | 2,264 |
| Return on Equity (ROE) | 10.1600% | 2,759 |
| Retained earnings to average equity (ytd only) | 6.4432% | 2,471 |
| Net charge-offs to loans | -0.0002% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.8602% | 2,247 |
| Assets per employee ($millions) | 7.4054% | 1,681 |
| Cash dividends to net income (ytd only)* | 36.5521% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 1,363 |
| Loan loss allowance to noncurrent loans | 255.4582% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 1,411 |
| Noncurrent loans to loans | 0.5645% | 1,317 |
| Net loans and leases to total assets | 61.8400% | 2,457 |
| Net loans and leases to deposits | 77.2250% | 2,016 |
| Net loans and leases to core deposits | 79.9803% | 2,137 |
| Total domestic deposits to total assets | 80.0800% | 3,870 |
| Equity capital to assets | 8.8587% | 2,449 |
| Core capital (leverage) ratio | 8.4289% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8057% | 2,448 |
| Memoranda: | ||
| Average total assets | $47,799,082,600 | 52 |
| Average earning assets | $42,754,164,600 | 50 |
| Average equity | $4,561,593,600 | 56 |
| Average total loans | $28,662,940,800 | 51 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4044% | 2,907 |
| Cost of funding earning assets | 0.2975% | 2,195 |
| Net interest margin | 3.1069% | 2,914 |
| Noninterest income to average assets | 1.0700% | 603 |
| Noninterest expense to average assets | 2.5163% | 1,969 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0315% | 2,355 |
| Return on assets (ROA) | 1.0236% | 2,365 |
| Pretax return on assets | 1.3221% | 1,974 |
| Return on Equity (ROE) | 10.5300% | 2,559 |
| Retained earnings to average equity (ytd only) | 6.8762% | 2,414 |
| Net charge-offs to loans | 0.0233% | 1,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 96.5295% | 965 |
| Efficiency ratio | 64.2297% | 2,510 |
| Assets per employee ($millions) | 7.1956% | 1,815 |
| Cash dividends to net income (ytd only)* | 34.7172% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4693% | 1,388 |
| Loan loss allowance to noncurrent loans | 425.2200% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 2,120 |
| Noncurrent loans to loans | 0.3455% | 1,990 |
| Net loans and leases to total assets | 60.9300% | 2,408 |
| Net loans and leases to deposits | 74.4977% | 2,007 |
| Net loans and leases to core deposits | 77.1814% | 2,100 |
| Total domestic deposits to total assets | 81.7800% | 3,873 |
| Equity capital to assets | 8.7358% | 2,385 |
| Core capital (leverage) ratio | 8.4278% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8389% | 2,536 |
| Memoranda: | ||
| Average total assets | $47,581,835,000 | 54 |
| Average earning assets | $42,616,743,000 | 52 |
| Average equity | $4,624,148,500 | 58 |
| Average total loans | $28,194,375,500 | 52 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1967% | 3,058 |
| Cost of funding earning assets | 0.2104% | 2,772 |
| Net interest margin | 2.9863% | 2,921 |
| Noninterest income to average assets | 1.0797% | 572 |
| Noninterest expense to average assets | 2.4361% | 2,126 |
| Loan and lease loss provision to assets | 0.0042% | 2,534 |
| Net operating income to assets | 1.0248% | 2,071 |
| Return on assets (ROA) | 1.0176% | 2,063 |
| Pretax return on assets | 1.3113% | 1,707 |
| Return on Equity (ROE) | 10.1288% | 2,291 |
| Retained earnings to average equity (ytd only) | 6.5977% | 2,136 |
| Net charge-offs to loans | -0.0131% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6801% | 2,812 |
| Assets per employee ($millions) | 7.1712% | 1,827 |
| Cash dividends to net income (ytd only)* | 34.8624% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 1,301 |
| Loan loss allowance to noncurrent loans | 403.5873% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 2,078 |
| Noncurrent loans to loans | 0.3816% | 1,993 |
| Net loans and leases to total assets | 58.9152% | 2,447 |
| Net loans and leases to deposits | 69.9943% | 2,205 |
| Net loans and leases to core deposits | 72.2770% | 2,312 |
| Total domestic deposits to total assets | 84.1715% | 3,654 |
| Equity capital to assets | 9.2935% | 2,163 |
| Core capital (leverage) ratio | 8.3531% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9892% | 2,504 |
| Memoranda: | ||
| Average total assets | $47,542,560,000 | 52 |
| Average earning assets | $42,682,203,667 | 52 |
| Average equity | $4,776,556,333 | 56 |
| Average total loans | $27,760,890,333 | 52 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1134% | 2,939 |
| Cost of funding earning assets | 0.1884% | 2,966 |
| Net interest margin | 2.9250% | 2,752 |
| Noninterest income to average assets | 1.0904% | 568 |
| Noninterest expense to average assets | 2.4591% | 1,990 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9774% | 1,977 |
| Return on assets (ROA) | 0.9693% | 1,997 |
| Pretax return on assets | 1.2529% | 1,650 |
| Return on Equity (ROE) | 9.2964% | 2,213 |
| Retained earnings to average equity (ytd only) | 5.9160% | 2,276 |
| Net charge-offs to loans | -0.0064% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5263% | 2,963 |
| Assets per employee ($millions) | 7.1877% | 1,868 |
| Cash dividends to net income (ytd only)* | 36.3620% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5959% | 1,283 |
| Loan loss allowance to noncurrent loans | 391.7723% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 2,040 |
| Noncurrent loans to loans | 0.4073% | 2,034 |
| Net loans and leases to total assets | 57.3050% | 2,377 |
| Net loans and leases to deposits | 66.6777% | 2,276 |
| Net loans and leases to core deposits | 68.7614% | 2,390 |
| Total domestic deposits to total assets | 85.9433% | 3,276 |
| Equity capital to assets | 9.8366% | 2,016 |
| Core capital (leverage) ratio | 8.2383% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2743% | 2,495 |
| Memoranda: | ||
| Average total assets | $47,437,287,500 | 54 |
| Average earning assets | $42,685,062,500 | 53 |
| Average equity | $4,945,872,000 | 57 |
| Average total loans | $27,354,364,000 | 52 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1991% | 3,472 |
| Cost of funding earning assets | 0.2766% | 2,632 |
| Net interest margin | 2.9225% | 3,392 |
| Noninterest income to average assets | 1.2251% | 707 |
| Noninterest expense to average assets | 2.6009% | 1,865 |
| Loan and lease loss provision to assets | 0.4504% | 136 |
| Net operating income to assets | 0.6378% | 3,780 |
| Return on assets (ROA) | 0.6367% | 3,836 |
| Pretax return on assets | 0.8056% | 3,713 |
| Return on Equity (ROE) | 5.7439% | 3,835 |
| Retained earnings to average equity (ytd only) | 2.5179% | 3,826 |
| Net charge-offs to loans | -0.0299% | 4,121 |
| Credit loss provision to net charge-offs | -2,287.4482% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3437% | 2,216 |
| Assets per employee ($millions) | 7.2275% | 1,777 |
| Cash dividends to net income (ytd only)* | 56.1641% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6402% | 1,176 |
| Loan loss allowance to noncurrent loans | 303.9173% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 1,834 |
| Noncurrent loans to loans | 0.5397% | 1,776 |
| Net loans and leases to total assets | 56.1631% | 2,586 |
| Net loans and leases to deposits | 67.2413% | 2,383 |
| Net loans and leases to core deposits | 69.7102% | 2,481 |
| Total domestic deposits to total assets | 83.5246% | 3,684 |
| Equity capital to assets | 11.0100% | 1,783 |
| Core capital (leverage) ratio | 9.9003% | 2,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8620% | 2,293 |
| Memoranda: | ||
| Average total assets | $30,651,143,400 | 74 |
| Average earning assets | $27,616,050,400 | 76 |
| Average equity | $3,397,698,600 | 71 |
| Average total loans | $17,796,093,000 | 75 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3245% | 3,326 |
| Cost of funding earning assets | 0.3196% | 2,406 |
| Net interest margin | 3.0049% | 3,291 |
| Noninterest income to average assets | 1.3726% | 628 |
| Noninterest expense to average assets | 2.5663% | 1,938 |
| Loan and lease loss provision to assets | 0.0227% | 2,539 |
| Net operating income to assets | 1.1609% | 2,323 |
| Return on assets (ROA) | 1.1608% | 2,385 |
| Pretax return on assets | 1.4881% | 2,028 |
| Return on Equity (ROE) | 10.4397% | 2,575 |
| Retained earnings to average equity (ytd only) | 7.3204% | 2,301 |
| Net charge-offs to loans | -0.0048% | 3,423 |
| Credit loss provision to net charge-offs | -453.7205% | 3,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0583% | 2,689 |
| Assets per employee ($millions) | 5.8859% | 2,804 |
| Cash dividends to net income (ytd only)* | 29.8792% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 1,114 |
| Loan loss allowance to noncurrent loans | 339.6351% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 2,120 |
| Noncurrent loans to loans | 0.4996% | 2,059 |
| Net loans and leases to total assets | 53.7072% | 3,007 |
| Net loans and leases to deposits | 64.7675% | 2,760 |
| Net loans and leases to core deposits | 67.0637% | 2,852 |
| Total domestic deposits to total assets | 82.9231% | 3,725 |
| Equity capital to assets | 10.7682% | 2,201 |
| Core capital (leverage) ratio | 8.1302% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2706% | 2,269 |
| Memoranda: | ||
| Average total assets | $26,397,539,250 | 84 |
| Average earning assets | $23,759,797,750 | 85 |
| Average equity | $2,935,126,500 | 80 |
| Average total loans | $15,440,903,500 | 84 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3780% | 3,237 |
| Cost of funding earning assets | 0.3353% | 2,444 |
| Net interest margin | 3.0426% | 3,202 |
| Noninterest income to average assets | 1.4586% | 571 |
| Noninterest expense to average assets | 2.5480% | 2,007 |
| Loan and lease loss provision to assets | 0.0890% | 1,392 |
| Net operating income to assets | 1.2149% | 2,132 |
| Return on assets (ROA) | 1.2160% | 2,204 |
| Pretax return on assets | 1.5600% | 1,847 |
| Return on Equity (ROE) | 10.8126% | 2,494 |
| Retained earnings to average equity (ytd only) | 7.8022% | 2,150 |
| Net charge-offs to loans | 0.0195% | 1,549 |
| Credit loss provision to net charge-offs | 664.4518% | 591 |
| Earnings coverage of net charge-offs (x) | 141.4379% | 612 |
| Efficiency ratio | 59.8588% | 3,033 |
| Assets per employee ($millions) | 5.7118% | 2,883 |
| Cash dividends to net income (ytd only)* | 27.8419% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 1,013 |
| Loan loss allowance to noncurrent loans | 344.8625% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 2,227 |
| Noncurrent loans to loans | 0.4998% | 2,181 |
| Net loans and leases to total assets | 54.8563% | 3,038 |
| Net loans and leases to deposits | 67.0801% | 2,710 |
| Net loans and leases to core deposits | 69.6355% | 2,818 |
| Total domestic deposits to total assets | 81.7774% | 3,961 |
| Equity capital to assets | 11.1149% | 1,903 |
| Core capital (leverage) ratio | 8.4271% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5678% | 2,137 |
| Memoranda: | ||
| Average total assets | $25,838,150,000 | 84 |
| Average earning assets | $23,243,527,667 | 87 |
| Average equity | $2,905,749,667 | 81 |
| Average total loans | $15,474,889,333 | 84 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4439% | 3,074 |
| Cost of funding earning assets | 0.3568% | 2,472 |
| Net interest margin | 3.0871% | 3,034 |
| Noninterest income to average assets | 1.3928% | 683 |
| Noninterest expense to average assets | 2.4880% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3065% | 1,806 |
| Return on assets (ROA) | 1.3076% | 1,887 |
| Pretax return on assets | 1.6819% | 1,533 |
| Return on Equity (ROE) | 11.5524% | 2,172 |
| Retained earnings to average equity (ytd only) | 8.4496% | 2,107 |
| Net charge-offs to loans | 0.0853% | 767 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 31.7156% | 1,073 |
| Efficiency ratio | 58.7937% | 3,187 |
| Assets per employee ($millions) | 5.6759% | 2,942 |
| Cash dividends to net income (ytd only)* | 26.8579% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 1,424 |
| Loan loss allowance to noncurrent loans | 255.5559% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 2,197 |
| Noncurrent loans to loans | 0.6059% | 2,052 |
| Net loans and leases to total assets | 59.4137% | 2,614 |
| Net loans and leases to deposits | 73.4505% | 2,164 |
| Net loans and leases to core deposits | 76.3405% | 2,321 |
| Total domestic deposits to total assets | 80.8895% | 4,076 |
| Equity capital to assets | 10.9492% | 1,900 |
| Core capital (leverage) ratio | 8.5874% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6494% | 2,018 |
| Memoranda: | ||
| Average total assets | $24,948,877,500 | 90 |
| Average earning assets | $22,433,297,000 | 89 |
| Average equity | $2,823,837,500 | 85 |
| Average total loans | $15,504,725,500 | 85 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 2,836 |
| Cost of funding earning assets | 0.5377% | 2,701 |
| Net interest margin | 3.4281% | 2,681 |
| Noninterest income to average assets | 1.4781% | 557 |
| Noninterest expense to average assets | 2.8892% | 1,712 |
| Loan and lease loss provision to assets | 0.3806% | 846 |
| Net operating income to assets | 1.0091% | 2,259 |
| Return on assets (ROA) | 1.0093% | 2,402 |
| Pretax return on assets | 1.2726% | 2,075 |
| Return on Equity (ROE) | 8.3202% | 2,681 |
| Retained earnings to average equity (ytd only) | 5.1842% | 2,195 |
| Net charge-offs to loans | 0.1818% | 927 |
| Credit loss provision to net charge-offs | 312.6818% | 1,689 |
| Earnings coverage of net charge-offs (x) | 13.5793% | 2,271 |
| Efficiency ratio | 62.6722% | 3,022 |
| Assets per employee ($millions) | 5.2426% | 3,102 |
| Cash dividends to net income (ytd only)* | 37.6920% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5833% | 1,342 |
| Loan loss allowance to noncurrent loans | 220.8007% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 2,042 |
| Noncurrent loans to loans | 0.7171% | 1,907 |
| Net loans and leases to total assets | 63.0568% | 2,482 |
| Net loans and leases to deposits | 77.3954% | 2,139 |
| Net loans and leases to core deposits | 80.8030% | 2,289 |
| Total domestic deposits to total assets | 81.4736% | 3,766 |
| Equity capital to assets | 11.7140% | 1,726 |
| Core capital (leverage) ratio | 8.6286% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2411% | 2,149 |
| Memoranda: | ||
| Average total assets | $22,594,859,000 | 87 |
| Average earning assets | $20,195,621,600 | 88 |
| Average equity | $2,740,924,800 | 82 |
| Average total loans | $15,127,272,800 | 84 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 2,869 |
| Cost of funding earning assets | 0.5791% | 2,745 |
| Net interest margin | 3.4588% | 2,725 |
| Noninterest income to average assets | 1.5397% | 494 |
| Noninterest expense to average assets | 2.9161% | 1,665 |
| Loan and lease loss provision to assets | 0.4860% | 624 |
| Net operating income to assets | 0.9556% | 2,498 |
| Return on assets (ROA) | 0.9556% | 2,631 |
| Pretax return on assets | 1.2283% | 2,295 |
| Return on Equity (ROE) | 7.8044% | 2,880 |
| Retained earnings to average equity (ytd only) | 4.6631% | 2,713 |
| Net charge-offs to loans | 0.1444% | 1,013 |
| Credit loss provision to net charge-offs | 496.8715% | 1,292 |
| Earnings coverage of net charge-offs (x) | 17.5254% | 2,010 |
| Efficiency ratio | 62.0558% | 3,071 |
| Assets per employee ($millions) | 5.0218% | 3,225 |
| Cash dividends to net income (ytd only)* | 40.2503% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 1,102 |
| Loan loss allowance to noncurrent loans | 179.3387% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 1,874 |
| Noncurrent loans to loans | 0.8926% | 1,675 |
| Net loans and leases to total assets | 65.3934% | 2,593 |
| Net loans and leases to deposits | 80.5823% | 2,253 |
| Net loans and leases to core deposits | 84.2007% | 2,453 |
| Total domestic deposits to total assets | 81.1511% | 3,624 |
| Equity capital to assets | 11.8118% | 1,790 |
| Core capital (leverage) ratio | 8.5912% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2028% | 2,105 |
| Memoranda: | ||
| Average total assets | $22,219,824,750 | 87 |
| Average earning assets | $19,854,848,500 | 87 |
| Average equity | $2,720,536,750 | 82 |
| Average total loans | $15,049,601,750 | 84 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 3,002 |
| Cost of funding earning assets | 0.6327% | 2,800 |
| Net interest margin | 3.4861% | 2,836 |
| Noninterest income to average assets | 1.5245% | 448 |
| Noninterest expense to average assets | 3.0258% | 1,517 |
| Loan and lease loss provision to assets | 0.6062% | 520 |
| Net operating income to assets | 0.7848% | 3,086 |
| Return on assets (ROA) | 0.7846% | 3,207 |
| Pretax return on assets | 1.0043% | 3,013 |
| Return on Equity (ROE) | 6.3277% | 3,389 |
| Retained earnings to average equity (ytd only) | 3.1608% | 3,320 |
| Net charge-offs to loans | 0.2007% | 764 |
| Credit loss provision to net charge-offs | 442.9233% | 1,319 |
| Earnings coverage of net charge-offs (x) | 11.7687% | 2,090 |
| Efficiency ratio | 64.3185% | 2,779 |
| Assets per employee ($millions) | 4.8446% | 3,364 |
| Cash dividends to net income (ytd only)* | 50.0480% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 1,268 |
| Loan loss allowance to noncurrent loans | 173.4807% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 1,962 |
| Noncurrent loans to loans | 0.8644% | 1,763 |
| Net loans and leases to total assets | 67.0678% | 2,489 |
| Net loans and leases to deposits | 82.2327% | 2,182 |
| Net loans and leases to core deposits | 86.0449% | 2,431 |
| Total domestic deposits to total assets | 81.5586% | 3,484 |
| Equity capital to assets | 11.7710% | 1,794 |
| Core capital (leverage) ratio | 8.5420% | 4,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7890% | 2,278 |
| Memoranda: | ||
| Average total assets | $21,774,000,000 | 87 |
| Average earning assets | $19,438,011,333 | 87 |
| Average equity | $2,699,869,333 | 83 |
| Average total loans | $14,847,619,000 | 85 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 2,842 |
| Cost of funding earning assets | 0.7384% | 2,732 |
| Net interest margin | 3.5873% | 2,707 |
| Noninterest income to average assets | 1.4411% | 431 |
| Noninterest expense to average assets | 3.1859% | 1,453 |
| Loan and lease loss provision to assets | 0.8740% | 269 |
| Net operating income to assets | 0.4622% | 3,989 |
| Return on assets (ROA) | 0.4609% | 4,048 |
| Pretax return on assets | 0.5704% | 3,978 |
| Return on Equity (ROE) | 3.6164% | 4,064 |
| Retained earnings to average equity (ytd only) | 0.3713% | 3,907 |
| Net charge-offs to loans | 0.3822% | 375 |
| Credit loss provision to net charge-offs | 335.1060% | 1,095 |
| Earnings coverage of net charge-offs (x) | 5.5441% | 2,049 |
| Efficiency ratio | 67.8007% | 2,706 |
| Assets per employee ($millions) | 4.4428% | 3,343 |
| Cash dividends to net income (ytd only)* | 89.7325% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 1,301 |
| Loan loss allowance to noncurrent loans | 185.9450% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 2,202 |
| Noncurrent loans to loans | 0.8131% | 1,979 |
| Net loans and leases to total assets | 67.5405% | 2,610 |
| Net loans and leases to deposits | 84.9702% | 2,109 |
| Net loans and leases to core deposits | 89.5680% | 2,390 |
| Total domestic deposits to total assets | 79.4873% | 3,958 |
| Equity capital to assets | 12.7434% | 1,593 |
| Core capital (leverage) ratio | 8.8999% | 4,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7534% | 2,373 |
| Memoranda: | ||
| Average total assets | $21,053,313,500 | 85 |
| Average earning assets | $18,725,665,000 | 86 |
| Average equity | $2,683,460,500 | 84 |
| Average total loans | $14,367,892,000 | 85 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 2,764 |
| Cost of funding earning assets | 0.7342% | 3,001 |
| Net interest margin | 3.8205% | 2,441 |
| Noninterest income to average assets | 1.4476% | 445 |
| Noninterest expense to average assets | 3.2705% | 1,360 |
| Loan and lease loss provision to assets | 0.0078% | 3,853 |
| Net operating income to assets | 1.2170% | 1,990 |
| Return on assets (ROA) | 1.2177% | 2,081 |
| Pretax return on assets | 1.5569% | 1,627 |
| Return on Equity (ROE) | 9.8150% | 2,381 |
| Retained earnings to average equity (ytd only) | 6.7642% | 1,498 |
| Net charge-offs to loans | 0.0182% | 3,069 |
| Credit loss provision to net charge-offs | 59.9042% | 3,037 |
| Earnings coverage of net charge-offs (x) | 120.1454% | 590 |
| Efficiency ratio | 66.6720% | 2,667 |
| Assets per employee ($millions) | 4.4878% | 3,239 |
| Cash dividends to net income (ytd only)* | 31.0824% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8324% | 4,209 |
| Loan loss allowance to noncurrent loans | 123.6073% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 2,454 |
| Noncurrent loans to loans | 0.6734% | 2,198 |
| Net loans and leases to total assets | 67.3481% | 2,778 |
| Net loans and leases to deposits | 87.1708% | 1,947 |
| Net loans and leases to core deposits | 91.7085% | 2,257 |
| Total domestic deposits to total assets | 77.2599% | 4,464 |
| Equity capital to assets | 12.7486% | 1,675 |
| Core capital (leverage) ratio | 9.6882% | 3,863 |
| Tier 1 risk-based capital ratio | 11.6030% | 4,575 |
| Total risk-based capital ratio | 14.1737% | 3,709 |
| Memoranda: | ||
| Average total assets | $19,238,352,600 | 87 |
| Average earning assets | $17,053,967,000 | 89 |
| Average equity | $2,386,777,200 | 87 |
| Average total loans | $13,792,988,400 | 82 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 2,759 |
| Cost of funding earning assets | 0.7385% | 3,023 |
| Net interest margin | 3.8507% | 2,431 |
| Noninterest income to average assets | 1.4514% | 432 |
| Noninterest expense to average assets | 3.3161% | 1,234 |
| Loan and lease loss provision to assets | 0.0106% | 3,677 |
| Net operating income to assets | 1.1943% | 2,214 |
| Return on assets (ROA) | 1.1955% | 2,286 |
| Pretax return on assets | 1.5361% | 1,849 |
| Return on Equity (ROE) | 9.7112% | 2,565 |
| Retained earnings to average equity (ytd only) | 6.6302% | 2,039 |
| Net charge-offs to loans | 0.0455% | 2,188 |
| Credit loss provision to net charge-offs | 32.1750% | 2,900 |
| Earnings coverage of net charge-offs (x) | 46.6931% | 1,248 |
| Efficiency ratio | 67.2482% | 2,538 |
| Assets per employee ($millions) | 4.2497% | 3,552 |
| Cash dividends to net income (ytd only)* | 31.7258% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 4,370 |
| Loan loss allowance to noncurrent loans | 125.6508% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 2,490 |
| Noncurrent loans to loans | 0.6482% | 2,339 |
| Net loans and leases to total assets | 71.6810% | 2,224 |
| Net loans and leases to deposits | 89.8958% | 1,709 |
| Net loans and leases to core deposits | 94.5441% | 2,129 |
| Total domestic deposits to total assets | 79.7378% | 4,038 |
| Equity capital to assets | 12.5330% | 1,892 |
| Core capital (leverage) ratio | 9.1392% | 4,522 |
| Tier 1 risk-based capital ratio | 10.5441% | 5,062 |
| Total risk-based capital ratio | 11.2816% | 5,131 |
| Memoranda: | ||
| Average total assets | $18,782,643,750 | 90 |
| Average earning assets | $16,632,844,500 | 90 |
| Average equity | $2,312,217,250 | 91 |
| Average total loans | $13,665,389,000 | 83 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5631% | 2,791 |
| Cost of funding earning assets | 0.7301% | 2,998 |
| Net interest margin | 3.8329% | 2,469 |
| Noninterest income to average assets | 1.4069% | 439 |
| Noninterest expense to average assets | 3.3394% | 1,211 |
| Loan and lease loss provision to assets | 0.0109% | 3,536 |
| Net operating income to assets | 1.1353% | 2,388 |
| Return on assets (ROA) | 1.1362% | 2,464 |
| Pretax return on assets | 1.4600% | 1,995 |
| Return on Equity (ROE) | 9.2897% | 2,733 |
| Retained earnings to average equity (ytd only) | 6.2679% | 2,166 |
| Net charge-offs to loans | 0.0801% | 1,562 |
| Credit loss provision to net charge-offs | 18.5908% | 2,663 |
| Earnings coverage of net charge-offs (x) | 25.1688% | 1,606 |
| Efficiency ratio | 68.4244% | 2,461 |
| Assets per employee ($millions) | 4.1344% | 3,676 |
| Cash dividends to net income (ytd only)* | 32.5278% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8360% | 4,317 |
| Loan loss allowance to noncurrent loans | 146.2037% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.4504% | 2,714 |
| Noncurrent loans to loans | 0.5718% | 2,544 |
| Net loans and leases to total assets | 72.4519% | 2,154 |
| Net loans and leases to deposits | 91.6535% | 1,529 |
| Net loans and leases to core deposits | 96.2197% | 2,043 |
| Total domestic deposits to total assets | 79.0497% | 4,209 |
| Equity capital to assets | 12.2869% | 1,998 |
| Core capital (leverage) ratio | 8.9599% | 4,659 |
| Tier 1 risk-based capital ratio | 10.5171% | 5,101 |
| Total risk-based capital ratio | 11.2773% | 5,165 |
| Memoranda: | ||
| Average total assets | $18,422,537,000 | 91 |
| Average earning assets | $16,352,869,670 | 90 |
| Average equity | $2,253,147,330 | 90 |
| Average total loans | $13,435,560,670 | 83 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5031% | 2,851 |
| Cost of funding earning assets | 0.7096% | 3,007 |
| Net interest margin | 3.7935% | 2,551 |
| Noninterest income to average assets | 1.4020% | 438 |
| Noninterest expense to average assets | 3.3004% | 1,287 |
| Loan and lease loss provision to assets | 0.0110% | 3,290 |
| Net operating income to assets | 1.1356% | 2,328 |
| Return on assets (ROA) | 1.1363% | 2,372 |
| Pretax return on assets | 1.4601% | 1,886 |
| Return on Equity (ROE) | 9.3130% | 2,667 |
| Retained earnings to average equity (ytd only) | 6.2555% | 2,338 |
| Net charge-offs to loans | 0.1230% | 1,009 |
| Credit loss provision to net charge-offs | 12.2820% | 2,171 |
| Earnings coverage of net charge-offs (x) | 16.4004% | 1,698 |
| Efficiency ratio | 68.2643% | 2,604 |
| Assets per employee ($millions) | 4.1921% | 3,638 |
| Cash dividends to net income (ytd only)* | 32.8307% | 2,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,239 |
| Loan loss allowance to noncurrent loans | 150.4766% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4755% | 2,711 |
| Noncurrent loans to loans | 0.5859% | 2,578 |
| Net loans and leases to total assets | 71.4970% | 2,253 |
| Net loans and leases to deposits | 89.9749% | 1,638 |
| Net loans and leases to core deposits | 94.2049% | 2,107 |
| Total domestic deposits to total assets | 79.4633% | 4,258 |
| Equity capital to assets | 12.1543% | 1,935 |
| Core capital (leverage) ratio | 9.0308% | 4,633 |
| Tier 1 risk-based capital ratio | 10.7529% | 5,089 |
| Total risk-based capital ratio | 11.5538% | 5,161 |
| Memoranda: | ||
| Average total assets | $18,163,906,500 | 93 |
| Average earning assets | $16,129,985,500 | 93 |
| Average equity | $2,216,161,000 | 91 |
| Average total loans | $13,234,376,000 | 85 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 3,112 |
| Cost of funding earning assets | 0.5143% | 3,260 |
| Net interest margin | 3.7851% | 2,718 |
| Noninterest income to average assets | 1.6376% | 358 |
| Noninterest expense to average assets | 3.4467% | 1,079 |
| Loan and lease loss provision to assets | 0.0265% | 3,648 |
| Net operating income to assets | 1.3013% | 1,794 |
| Return on assets (ROA) | 1.3019% | 1,779 |
| Pretax return on assets | 1.5597% | 1,592 |
| Return on Equity (ROE) | 10.8828% | 2,139 |
| Retained earnings to average equity (ytd only) | 7.8546% | 1,303 |
| Net charge-offs to loans | 0.0212% | 2,999 |
| Credit loss provision to net charge-offs | 171.1027% | 1,632 |
| Earnings coverage of net charge-offs (x) | 102.4684% | 732 |
| Efficiency ratio | 67.7188% | 2,595 |
| Assets per employee ($millions) | 4.0514% | 3,827 |
| Cash dividends to net income (ytd only)* | 27.8257% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 4,128 |
| Loan loss allowance to noncurrent loans | 134.5307% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.5471% | 2,409 |
| Noncurrent loans to loans | 0.6734% | 2,313 |
| Net loans and leases to total assets | 72.9346% | 2,112 |
| Net loans and leases to deposits | 94.0060% | 1,281 |
| Net loans and leases to core deposits | 97.7967% | 1,883 |
| Total domestic deposits to total assets | 77.5851% | 4,548 |
| Equity capital to assets | 12.2484% | 1,729 |
| Core capital (leverage) ratio | 9.0584% | 4,597 |
| Tier 1 risk-based capital ratio | 10.8439% | 5,048 |
| Total risk-based capital ratio | 11.6804% | 5,113 |
| Memoranda: | ||
| Average total assets | $16,998,909,400 | 95 |
| Average earning assets | $15,244,239,800 | 96 |
| Average equity | $2,033,633,400 | 94 |
| Average total loans | $12,411,549,800 | 88 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2147% | 3,269 |
| Cost of funding earning assets | 0.4640% | 3,431 |
| Net interest margin | 3.7507% | 2,822 |
| Noninterest income to average assets | 1.7550% | 336 |
| Noninterest expense to average assets | 3.4556% | 1,041 |
| Loan and lease loss provision to assets | 0.0279% | 3,448 |
| Net operating income to assets | 1.3873% | 1,536 |
| Return on assets (ROA) | 1.3871% | 1,537 |
| Pretax return on assets | 1.6445% | 1,431 |
| Return on Equity (ROE) | 11.6692% | 1,919 |
| Retained earnings to average equity (ytd only) | 8.6807% | 1,352 |
| Net charge-offs to loans | 0.0074% | 3,153 |
| Credit loss provision to net charge-offs | 513.9501% | 688 |
| Earnings coverage of net charge-offs (x) | 308.4925% | 303 |
| Efficiency ratio | 66.6700% | 2,765 |
| Assets per employee ($millions) | 4.0419% | 3,818 |
| Cash dividends to net income (ytd only)* | 25.6101% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 3,998 |
| Loan loss allowance to noncurrent loans | 206.9939% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 3,216 |
| Noncurrent loans to loans | 0.4645% | 2,994 |
| Net loans and leases to total assets | 72.2253% | 2,294 |
| Net loans and leases to deposits | 94.4079% | 1,330 |
| Net loans and leases to core deposits | 98.0147% | 1,929 |
| Total domestic deposits to total assets | 76.5034% | 4,727 |
| Equity capital to assets | 12.2624% | 1,734 |
| Core capital (leverage) ratio | 9.6776% | 3,970 |
| Tier 1 risk-based capital ratio | 11.7088% | 4,666 |
| Total risk-based capital ratio | 12.5972% | 4,765 |
| Memoranda: | ||
| Average total assets | $16,746,530,750 | 96 |
| Average earning assets | $15,060,924,250 | 95 |
| Average equity | $1,990,607,500 | 95 |
| Average total loans | $12,200,825,250 | 88 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1830% | 3,164 |
| Cost of funding earning assets | 0.4198% | 3,575 |
| Net interest margin | 3.7632% | 2,700 |
| Noninterest income to average assets | 1.8083% | 317 |
| Noninterest expense to average assets | 3.5262% | 963 |
| Loan and lease loss provision to assets | 0.0422% | 3,057 |
| Net operating income to assets | 1.2973% | 1,784 |
| Return on assets (ROA) | 1.2975% | 1,774 |
| Pretax return on assets | 1.6314% | 1,398 |
| Return on Equity (ROE) | 11.0369% | 2,096 |
| Retained earnings to average equity (ytd only) | 8.1783% | 1,548 |
| Net charge-offs to loans | 0.0295% | 2,269 |
| Credit loss provision to net charge-offs | 196.6292% | 1,323 |
| Earnings coverage of net charge-offs (x) | 77.9140% | 834 |
| Efficiency ratio | 67.0832% | 2,805 |
| Assets per employee ($millions) | 3.9460% | 3,989 |
| Cash dividends to net income (ytd only)* | 25.8999% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 4,096 |
| Loan loss allowance to noncurrent loans | 180.6568% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4307% | 3,000 |
| Noncurrent loans to loans | 0.5278% | 2,835 |
| Net loans and leases to total assets | 72.3090% | 2,226 |
| Net loans and leases to deposits | 93.6144% | 1,402 |
| Net loans and leases to core deposits | 96.9906% | 1,969 |
| Total domestic deposits to total assets | 77.2413% | 4,701 |
| Equity capital to assets | 12.0272% | 1,838 |
| Core capital (leverage) ratio | 9.3830% | 4,266 |
| Tier 1 risk-based capital ratio | 11.4153% | 4,829 |
| Total risk-based capital ratio | 12.2991% | 4,923 |
| Memoranda: | ||
| Average total assets | $16,575,689,330 | 96 |
| Average earning assets | $14,937,255,670 | 96 |
| Average equity | $1,948,685,000 | 97 |
| Average total loans | $12,072,295,330 | 88 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1586% | 3,031 |
| Cost of funding earning assets | 0.3855% | 3,693 |
| Net interest margin | 3.7731% | 2,533 |
| Noninterest income to average assets | 1.9303% | 282 |
| Noninterest expense to average assets | 3.6348% | 830 |
| Loan and lease loss provision to assets | 0.0246% | 3,201 |
| Net operating income to assets | 1.3162% | 1,590 |
| Return on assets (ROA) | 1.3168% | 1,594 |
| Pretax return on assets | 1.6816% | 1,166 |
| Return on Equity (ROE) | 11.3389% | 1,840 |
| Retained earnings to average equity (ytd only) | 8.3640% | 1,700 |
| Net charge-offs to loans | -0.0080% | 4,165 |
| Credit loss provision to net charge-offs | -425.5319% | 3,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3252% | 2,951 |
| Assets per employee ($millions) | 3.9931% | 3,991 |
| Cash dividends to net income (ytd only)* | 26.2362% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 4,174 |
| Loan loss allowance to noncurrent loans | 166.2940% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4723% | 2,965 |
| Noncurrent loans to loans | 0.5772% | 2,811 |
| Net loans and leases to total assets | 71.6899% | 2,224 |
| Net loans and leases to deposits | 90.1402% | 1,676 |
| Net loans and leases to core deposits | 93.5098% | 2,176 |
| Total domestic deposits to total assets | 79.5315% | 4,489 |
| Equity capital to assets | 11.9863% | 1,798 |
| Core capital (leverage) ratio | 9.3871% | 4,207 |
| Tier 1 risk-based capital ratio | 11.3103% | 4,973 |
| Total risk-based capital ratio | 12.1920% | 5,066 |
| Memoranda: | ||
| Average total assets | $16,249,376,500 | 97 |
| Average earning assets | $14,685,647,000 | 97 |
| Average equity | $1,886,986,000 | 97 |
| Average total loans | $11,819,672,500 | 90 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 4,087 |
| Cost of funding earning assets | 0.2882% | 4,241 |
| Net interest margin | 3.5001% | 3,530 |
| Noninterest income to average assets | 1.7746% | 355 |
| Noninterest expense to average assets | 3.3653% | 1,262 |
| Loan and lease loss provision to assets | 0.0201% | 3,897 |
| Net operating income to assets | 1.0435% | 2,079 |
| Return on assets (ROA) | 1.0507% | 2,078 |
| Pretax return on assets | 1.5908% | 1,319 |
| Return on Equity (ROE) | 9.9126% | 1,925 |
| Retained earnings to average equity (ytd only) | 1.2387% | 4,529 |
| Net charge-offs to loans | 0.0768% | 2,353 |
| Credit loss provision to net charge-offs | 35.1453% | 3,488 |
| Earnings coverage of net charge-offs (x) | 27.9322% | 1,619 |
| Efficiency ratio | 67.2326% | 3,044 |
| Assets per employee ($millions) | 3.8785% | 4,145 |
| Cash dividends to net income (ytd only)* | 87.5042% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,588 |
| Loan loss allowance to noncurrent loans | 167.9120% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 2,888 |
| Noncurrent loans to loans | 0.6287% | 2,646 |
| Net loans and leases to total assets | 72.3653% | 2,166 |
| Net loans and leases to deposits | 94.1362% | 1,257 |
| Net loans and leases to core deposits | 97.5859% | 1,892 |
| Total domestic deposits to total assets | 76.8729% | 4,869 |
| Equity capital to assets | 11.1931% | 2,435 |
| Core capital (leverage) ratio | 10.1247% | 3,278 |
| Tier 1 risk-based capital ratio | 12.1550% | 4,425 |
| Total risk-based capital ratio | 13.1345% | 4,489 |
| Memoranda: | ||
| Average total assets | $14,900,956,000 | 98 |
| Average earning assets | $13,584,263,600 | 97 |
| Average equity | $1,579,451,600 | 109 |
| Average total loans | $11,111,924,800 | 89 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,091 |
| Cost of funding earning assets | 0.2786% | 4,330 |
| Net interest margin | 3.4942% | 3,521 |
| Noninterest income to average assets | 1.8272% | 355 |
| Noninterest expense to average assets | 3.3935% | 1,169 |
| Loan and lease loss provision to assets | 0.0225% | 3,691 |
| Net operating income to assets | 1.0615% | 2,277 |
| Return on assets (ROA) | 1.0681% | 2,287 |
| Pretax return on assets | 1.6080% | 1,390 |
| Return on Equity (ROE) | 10.2245% | 2,030 |
| Retained earnings to average equity (ytd only) | -1.5910% | 5,403 |
| Net charge-offs to loans | 0.0810% | 1,993 |
| Credit loss provision to net charge-offs | 37.0920% | 3,019 |
| Earnings coverage of net charge-offs (x) | 26.6892% | 1,669 |
| Efficiency ratio | 67.1333% | 3,030 |
| Assets per employee ($millions) | 3.7367% | 4,400 |
| Cash dividends to net income (ytd only)* | 115.5611% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,685 |
| Loan loss allowance to noncurrent loans | 207.2748% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4309% | 3,305 |
| Noncurrent loans to loans | 0.5148% | 3,161 |
| Net loans and leases to total assets | 75.0595% | 1,756 |
| Net loans and leases to deposits | 94.1847% | 1,280 |
| Net loans and leases to core deposits | 97.7415% | 1,905 |
| Total domestic deposits to total assets | 79.6939% | 4,395 |
| Equity capital to assets | 10.5426% | 3,326 |
| Core capital (leverage) ratio | 9.0302% | 4,705 |
| Tier 1 risk-based capital ratio | 10.8358% | 5,326 |
| Total risk-based capital ratio | 11.8333% | 5,355 |
| Memoranda: | ||
| Average total assets | $14,799,081,500 | 97 |
| Average earning assets | $13,497,779,250 | 96 |
| Average equity | $1,545,943,250 | 109 |
| Average total loans | $11,090,855,250 | 88 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 4,197 |
| Cost of funding earning assets | 0.2633% | 4,435 |
| Net interest margin | 3.4467% | 3,604 |
| Noninterest income to average assets | 1.8491% | 357 |
| Noninterest expense to average assets | 3.3896% | 1,194 |
| Loan and lease loss provision to assets | 0.0270% | 3,459 |
| Net operating income to assets | 1.0447% | 2,231 |
| Return on assets (ROA) | 1.0544% | 2,231 |
| Pretax return on assets | 1.5913% | 1,374 |
| Return on Equity (ROE) | 10.1247% | 1,976 |
| Retained earnings to average equity (ytd only) | -4.3966% | 5,508 |
| Net charge-offs to loans | 0.0755% | 1,864 |
| Credit loss provision to net charge-offs | 47.9042% | 2,586 |
| Earnings coverage of net charge-offs (x) | 28.4443% | 1,503 |
| Efficiency ratio | 67.3343% | 3,128 |
| Assets per employee ($millions) | 3.7225% | 4,409 |
| Cash dividends to net income (ytd only)* | 143.4243% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,670 |
| Loan loss allowance to noncurrent loans | 185.9356% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 3,118 |
| Noncurrent loans to loans | 0.5833% | 2,981 |
| Net loans and leases to total assets | 74.6673% | 1,757 |
| Net loans and leases to deposits | 92.9166% | 1,368 |
| Net loans and leases to core deposits | 96.3492% | 1,954 |
| Total domestic deposits to total assets | 80.3595% | 4,331 |
| Equity capital to assets | 10.3605% | 3,498 |
| Core capital (leverage) ratio | 8.8820% | 4,862 |
| Tier 1 risk-based capital ratio | 10.6354% | 5,407 |
| Total risk-based capital ratio | 11.6458% | 5,433 |
| Memoranda: | ||
| Average total assets | $14,812,109,000 | 95 |
| Average earning assets | $13,510,971,000 | 93 |
| Average equity | $1,542,563,330 | 108 |
| Average total loans | $11,055,047,330 | 86 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 4,262 |
| Cost of funding earning assets | 0.2476% | 4,555 |
| Net interest margin | 3.4067% | 3,633 |
| Noninterest income to average assets | 1.8685% | 340 |
| Noninterest expense to average assets | 3.3762% | 1,242 |
| Loan and lease loss provision to assets | 0.0270% | 3,221 |
| Net operating income to assets | 1.0433% | 2,104 |
| Return on assets (ROA) | 1.0624% | 2,058 |
| Pretax return on assets | 1.6039% | 1,228 |
| Return on Equity (ROE) | 10.1751% | 1,887 |
| Retained earnings to average equity (ytd only) | -12.3545% | 5,626 |
| Net charge-offs to loans | -0.0168% | 4,644 |
| Credit loss provision to net charge-offs | -217.3913% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2610% | 3,307 |
| Assets per employee ($millions) | 3.7412% | 4,432 |
| Cash dividends to net income (ytd only)* | 221.4191% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1413% | 3,462 |
| Loan loss allowance to noncurrent loans | 161.5391% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5783% | 2,920 |
| Noncurrent loans to loans | 0.7065% | 2,725 |
| Net loans and leases to total assets | 72.9566% | 1,922 |
| Net loans and leases to deposits | 89.7084% | 1,573 |
| Net loans and leases to core deposits | 92.9395% | 2,071 |
| Total domestic deposits to total assets | 81.3264% | 4,337 |
| Equity capital to assets | 10.2384% | 3,476 |
| Core capital (leverage) ratio | 8.7058% | 5,036 |
| Tier 1 risk-based capital ratio | 10.6414% | 5,488 |
| Total risk-based capital ratio | 11.6968% | 5,489 |
| Memoranda: | ||
| Average total assets | $14,793,676,000 | 94 |
| Average earning assets | $13,503,667,500 | 93 |
| Average equity | $1,544,631,000 | 108 |
| Average total loans | $10,978,128,000 | 87 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 4,065 |
| Cost of funding earning assets | 0.2205% | 4,829 |
| Net interest margin | 3.5264% | 3,329 |
| Noninterest income to average assets | 1.9314% | 356 |
| Noninterest expense to average assets | 3.6741% | 913 |
| Loan and lease loss provision to assets | 0.0281% | 3,793 |
| Net operating income to assets | 0.9670% | 2,500 |
| Return on assets (ROA) | 0.9676% | 2,603 |
| Pretax return on assets | 1.4370% | 1,794 |
| Return on Equity (ROE) | 8.6373% | 2,598 |
| Retained earnings to average equity (ytd only) | -3.4076% | 5,607 |
| Net charge-offs to loans | 0.0625% | 2,807 |
| Credit loss provision to net charge-offs | 59.5061% | 3,258 |
| Earnings coverage of net charge-offs (x) | 30.9960% | 1,403 |
| Efficiency ratio | 70.8091% | 2,779 |
| Assets per employee ($millions) | 3.6827% | 4,507 |
| Cash dividends to net income (ytd only)* | 139.4518% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 3,563 |
| Loan loss allowance to noncurrent loans | 163.2509% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5678% | 3,035 |
| Noncurrent loans to loans | 0.6899% | 2,809 |
| Net loans and leases to total assets | 73.7811% | 1,879 |
| Net loans and leases to deposits | 92.8520% | 1,320 |
| Net loans and leases to core deposits | 96.2027% | 1,908 |
| Total domestic deposits to total assets | 79.4610% | 4,685 |
| Equity capital to assets | 10.6458% | 2,983 |
| Core capital (leverage) ratio | 9.1685% | 4,525 |
| Tier 1 risk-based capital ratio | 10.9363% | 5,375 |
| Total risk-based capital ratio | 11.9735% | 5,383 |
| Memoranda: | ||
| Average total assets | $14,229,669,000 | 95 |
| Average earning assets | $12,940,563,200 | 94 |
| Average equity | $1,594,047,400 | 101 |
| Average total loans | $10,754,109,800 | 87 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 4,074 |
| Cost of funding earning assets | 0.2138% | 4,936 |
| Net interest margin | 3.5385% | 3,324 |
| Noninterest income to average assets | 1.9175% | 367 |
| Noninterest expense to average assets | 3.7219% | 825 |
| Loan and lease loss provision to assets | 0.0284% | 3,673 |
| Net operating income to assets | 0.9327% | 2,740 |
| Return on assets (ROA) | 0.9333% | 2,860 |
| Pretax return on assets | 1.3854% | 2,100 |
| Return on Equity (ROE) | 8.2245% | 2,892 |
| Retained earnings to average equity (ytd only) | -2.7704% | 5,639 |
| Net charge-offs to loans | 0.0445% | 2,757 |
| Credit loss provision to net charge-offs | 84.0336% | 2,616 |
| Earnings coverage of net charge-offs (x) | 41.8726% | 1,201 |
| Efficiency ratio | 71.7922% | 2,606 |
| Assets per employee ($millions) | 3.6684% | 4,539 |
| Cash dividends to net income (ytd only)* | 133.6844% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 3,493 |
| Loan loss allowance to noncurrent loans | 172.4905% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5777% | 3,169 |
| Noncurrent loans to loans | 0.6717% | 3,013 |
| Net loans and leases to total assets | 73.5435% | 1,945 |
| Net loans and leases to deposits | 92.5437% | 1,426 |
| Net loans and leases to core deposits | 95.9171% | 1,999 |
| Total domestic deposits to total assets | 79.4690% | 4,626 |
| Equity capital to assets | 10.9926% | 3,019 |
| Core capital (leverage) ratio | 9.5537% | 4,110 |
| Tier 1 risk-based capital ratio | 11.1454% | 5,291 |
| Total risk-based capital ratio | 12.1989% | 5,311 |
| Memoranda: | ||
| Average total assets | $14,106,185,250 | 95 |
| Average earning assets | $12,825,398,250 | 94 |
| Average equity | $1,600,697,750 | 101 |
| Average total loans | $10,695,893,750 | 85 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,074 |
| Cost of funding earning assets | 0.2083% | 5,061 |
| Net interest margin | 3.5559% | 3,276 |
| Noninterest income to average assets | 1.9024% | 363 |
| Noninterest expense to average assets | 3.8186% | 751 |
| Loan and lease loss provision to assets | 0.0430% | 3,287 |
| Net operating income to assets | 0.8548% | 3,075 |
| Return on assets (ROA) | 0.8557% | 3,190 |
| Pretax return on assets | 1.2704% | 2,522 |
| Return on Equity (ROE) | 7.4592% | 3,289 |
| Retained earnings to average equity (ytd only) | -5.6102% | 5,772 |
| Net charge-offs to loans | 0.0474% | 2,535 |
| Credit loss provision to net charge-offs | 118.9061% | 1,883 |
| Earnings coverage of net charge-offs (x) | 36.2513% | 1,233 |
| Efficiency ratio | 73.7336% | 2,399 |
| Assets per employee ($millions) | 3.5048% | 4,745 |
| Cash dividends to net income (ytd only)* | 175.2121% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1768% | 3,485 |
| Loan loss allowance to noncurrent loans | 180.0165% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 3,215 |
| Noncurrent loans to loans | 0.6537% | 3,118 |
| Net loans and leases to total assets | 75.5052% | 1,567 |
| Net loans and leases to deposits | 93.6335% | 1,318 |
| Net loans and leases to core deposits | 96.9927% | 1,894 |
| Total domestic deposits to total assets | 80.6391% | 4,378 |
| Equity capital to assets | 11.3152% | 2,729 |
| Core capital (leverage) ratio | 9.6833% | 3,954 |
| Tier 1 risk-based capital ratio | 11.2064% | 5,311 |
| Total risk-based capital ratio | 12.2855% | 5,326 |
| Memoranda: | ||
| Average total assets | $13,940,301,670 | 96 |
| Average earning assets | $12,656,244,330 | 95 |
| Average equity | $1,599,148,000 | 101 |
| Average total loans | $10,639,171,670 | 86 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7673% | 4,071 |
| Cost of funding earning assets | 0.2050% | 5,152 |
| Net interest margin | 3.5622% | 3,231 |
| Noninterest income to average assets | 1.8845% | 370 |
| Noninterest expense to average assets | 4.0416% | 575 |
| Loan and lease loss provision to assets | 0.0289% | 3,274 |
| Net operating income to assets | 0.7021% | 3,700 |
| Return on assets (ROA) | 0.7021% | 3,816 |
| Pretax return on assets | 1.0465% | 3,293 |
| Return on Equity (ROE) | 6.0786% | 3,949 |
| Retained earnings to average equity (ytd only) | -14.4210% | 5,897 |
| Net charge-offs to loans | 0.0360% | 2,256 |
| Credit loss provision to net charge-offs | 105.0420% | 1,562 |
| Earnings coverage of net charge-offs (x) | 39.1155% | 1,017 |
| Efficiency ratio | 78.2839% | 1,852 |
| Assets per employee ($millions) | 3.4862% | 4,831 |
| Cash dividends to net income (ytd only)* | 337.2404% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1936% | 3,519 |
| Loan loss allowance to noncurrent loans | 146.2582% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 2,929 |
| Noncurrent loans to loans | 0.8161% | 2,798 |
| Net loans and leases to total assets | 75.2661% | 1,509 |
| Net loans and leases to deposits | 90.9743% | 1,462 |
| Net loans and leases to core deposits | 93.7255% | 2,017 |
| Total domestic deposits to total assets | 82.7334% | 3,992 |
| Equity capital to assets | 11.3359% | 2,586 |
| Core capital (leverage) ratio | 9.7107% | 3,896 |
| Tier 1 risk-based capital ratio | 11.2737% | 5,358 |
| Total risk-based capital ratio | 12.3652% | 5,351 |
| Memoranda: | ||
| Average total assets | $13,851,856,000 | 97 |
| Average earning assets | $12,569,203,000 | 96 |
| Average equity | $1,600,027,500 | 98 |
| Average total loans | $10,565,683,500 | 87 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 4,117 |
| Cost of funding earning assets | 0.2207% | 5,089 |
| Net interest margin | 3.5544% | 3,303 |
| Noninterest income to average assets | 1.9765% | 364 |
| Noninterest expense to average assets | 3.8686% | 791 |
| Loan and lease loss provision to assets | -0.0954% | 5,846 |
| Net operating income to assets | 0.9681% | 2,532 |
| Return on assets (ROA) | 0.9688% | 2,603 |
| Pretax return on assets | 1.4243% | 1,805 |
| Return on Equity (ROE) | 8.2839% | 2,806 |
| Retained earnings to average equity (ytd only) | 2.0085% | 4,588 |
| Net charge-offs to loans | 0.0293% | 3,632 |
| Credit loss provision to net charge-offs | -435.5109% | 5,416 |
| Earnings coverage of net charge-offs (x) | 60.6127% | 861 |
| Efficiency ratio | 73.6831% | 2,630 |
| Assets per employee ($millions) | 3.4458% | 4,911 |
| Cash dividends to net income (ytd only)* | 75.7541% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 3,477 |
| Loan loss allowance to noncurrent loans | 148.7006% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 2,892 |
| Noncurrent loans to loans | 0.8074% | 2,765 |
| Net loans and leases to total assets | 75.4612% | 1,500 |
| Net loans and leases to deposits | 92.1376% | 1,385 |
| Net loans and leases to core deposits | 94.9010% | 1,957 |
| Total domestic deposits to total assets | 81.9005% | 4,189 |
| Equity capital to assets | 11.7680% | 2,136 |
| Core capital (leverage) ratio | 10.2321% | 3,219 |
| Tier 1 risk-based capital ratio | 11.8046% | 5,065 |
| Total risk-based capital ratio | 12.8998% | 5,075 |
| Memoranda: | ||
| Average total assets | $13,625,595,200 | 95 |
| Average earning assets | $12,343,895,800 | 95 |
| Average equity | $1,593,516,200 | 94 |
| Average total loans | $10,181,419,200 | 87 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 4,190 |
| Cost of funding earning assets | 0.2252% | 5,132 |
| Net interest margin | 3.5417% | 3,376 |
| Noninterest income to average assets | 2.0184% | 358 |
| Noninterest expense to average assets | 3.7703% | 891 |
| Loan and lease loss provision to assets | -0.1276% | 6,036 |
| Net operating income to assets | 1.0725% | 2,123 |
| Return on assets (ROA) | 1.0731% | 2,215 |
| Pretax return on assets | 1.5838% | 1,430 |
| Return on Equity (ROE) | 9.1904% | 2,473 |
| Retained earnings to average equity (ytd only) | 0.7848% | 5,381 |
| Net charge-offs to loans | -0.0471% | 5,528 |
| Credit loss provision to net charge-offs | 364.5541% | 818 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3757% | 2,984 |
| Assets per employee ($millions) | 3.5150% | 4,769 |
| Cash dividends to net income (ytd only)* | 91.4612% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 3,207 |
| Loan loss allowance to noncurrent loans | 185.5724% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 3,174 |
| Noncurrent loans to loans | 0.6897% | 3,252 |
| Net loans and leases to total assets | 74.4771% | 1,643 |
| Net loans and leases to deposits | 92.5604% | 1,353 |
| Net loans and leases to core deposits | 95.2320% | 1,957 |
| Total domestic deposits to total assets | 80.4633% | 4,615 |
| Equity capital to assets | 11.6556% | 2,376 |
| Core capital (leverage) ratio | 10.1253% | 3,466 |
| Tier 1 risk-based capital ratio | 11.7532% | 5,235 |
| Total risk-based capital ratio | 12.9202% | 5,207 |
| Memoranda: | ||
| Average total assets | $13,584,462,750 | 97 |
| Average earning assets | $12,301,341,750 | 96 |
| Average equity | $1,586,189,750 | 95 |
| Average total loans | $10,093,612,750 | 88 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 4,258 |
| Cost of funding earning assets | 0.2290% | 5,158 |
| Net interest margin | 3.5153% | 3,439 |
| Noninterest income to average assets | 2.1247% | 341 |
| Noninterest expense to average assets | 3.8356% | 831 |
| Loan and lease loss provision to assets | -0.1479% | 6,128 |
| Net operating income to assets | 1.0955% | 1,971 |
| Return on assets (ROA) | 1.0961% | 2,065 |
| Pretax return on assets | 1.6174% | 1,282 |
| Return on Equity (ROE) | 9.3812% | 2,346 |
| Retained earnings to average equity (ytd only) | -0.1141% | 5,529 |
| Net charge-offs to loans | -0.1175% | 5,846 |
| Credit loss provision to net charge-offs | 170.3578% | 1,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5265% | 3,067 |
| Assets per employee ($millions) | 3.5043% | 4,780 |
| Cash dividends to net income (ytd only)* | 101.2159% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 2,968 |
| Loan loss allowance to noncurrent loans | 199.4923% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.6872% | 3,342 |
| Noncurrent loans to loans | 0.6788% | 3,450 |
| Net loans and leases to total assets | 73.9475% | 1,672 |
| Net loans and leases to deposits | 90.3336% | 1,556 |
| Net loans and leases to core deposits | 93.0256% | 2,065 |
| Total domestic deposits to total assets | 81.8605% | 4,342 |
| Equity capital to assets | 11.6582% | 2,283 |
| Core capital (leverage) ratio | 10.1248% | 3,434 |
| Tier 1 risk-based capital ratio | 11.8769% | 5,232 |
| Total risk-based capital ratio | 13.1160% | 5,136 |
| Memoranda: | ||
| Average total assets | $13,520,900,000 | 99 |
| Average earning assets | $12,229,359,670 | 98 |
| Average equity | $1,579,729,000 | 97 |
| Average total loans | $9,994,036,670 | 91 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 4,219 |
| Cost of funding earning assets | 0.2318% | 5,194 |
| Net interest margin | 3.5122% | 3,380 |
| Noninterest income to average assets | 2.1179% | 339 |
| Noninterest expense to average assets | 3.9777% | 715 |
| Loan and lease loss provision to assets | -0.1485% | 6,234 |
| Net operating income to assets | 0.9908% | 2,304 |
| Return on assets (ROA) | 0.9911% | 2,433 |
| Pretax return on assets | 1.4627% | 1,684 |
| Return on Equity (ROE) | 8.4735% | 2,711 |
| Retained earnings to average equity (ytd only) | -4.2217% | 5,877 |
| Net charge-offs to loans | 0.0317% | 2,552 |
| Credit loss provision to net charge-offs | -638.5696% | 4,881 |
| Earnings coverage of net charge-offs (x) | 56.4981% | 773 |
| Efficiency ratio | 74.3901% | 2,746 |
| Assets per employee ($millions) | 3.4869% | 4,919 |
| Cash dividends to net income (ytd only)* | 149.8217% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3781% | 3,025 |
| Loan loss allowance to noncurrent loans | 243.8876% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 3,641 |
| Noncurrent loans to loans | 0.5650% | 3,893 |
| Net loans and leases to total assets | 71.7893% | 1,841 |
| Net loans and leases to deposits | 86.8659% | 1,732 |
| Net loans and leases to core deposits | 89.3582% | 2,191 |
| Total domestic deposits to total assets | 82.6439% | 4,292 |
| Equity capital to assets | 11.5603% | 2,410 |
| Core capital (leverage) ratio | 10.0265% | 3,565 |
| Tier 1 risk-based capital ratio | 11.9767% | 5,256 |
| Total risk-based capital ratio | 13.2289% | 5,147 |
| Memoranda: | ||
| Average total assets | $13,469,033,000 | 99 |
| Average earning assets | $12,170,306,500 | 98 |
| Average equity | $1,575,397,000 | 96 |
| Average total loans | $9,884,359,000 | 92 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 4,359 |
| Cost of funding earning assets | 0.2715% | 5,076 |
| Net interest margin | 3.5669% | 3,531 |
| Noninterest income to average assets | 1.9249% | 363 |
| Noninterest expense to average assets | 3.8054% | 984 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9201% | 2,778 |
| Return on assets (ROA) | 0.9203% | 2,868 |
| Pretax return on assets | 1.3252% | 2,159 |
| Return on Equity (ROE) | 7.7160% | 3,264 |
| Retained earnings to average equity (ytd only) | 3.8776% | 3,459 |
| Net charge-offs to loans | 0.1146% | 2,887 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 16.0861% | 2,039 |
| Efficiency ratio | 73.2987% | 2,968 |
| Assets per employee ($millions) | 3.3975% | 5,066 |
| Cash dividends to net income (ytd only)* | 49.7463% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 2,713 |
| Loan loss allowance to noncurrent loans | 234.2257% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.7120% | 3,442 |
| Noncurrent loans to loans | 0.6173% | 3,832 |
| Net loans and leases to total assets | 72.9231% | 1,771 |
| Net loans and leases to deposits | 87.7386% | 1,766 |
| Net loans and leases to core deposits | 90.2521% | 2,254 |
| Total domestic deposits to total assets | 83.1141% | 4,038 |
| Equity capital to assets | 11.8357% | 2,143 |
| Core capital (leverage) ratio | 10.1699% | 3,347 |
| Tier 1 risk-based capital ratio | 12.7580% | 4,882 |
| Total risk-based capital ratio | 14.0156% | 4,787 |
| Memoranda: | ||
| Average total assets | $13,105,210,400 | 97 |
| Average earning assets | $11,776,910,400 | 98 |
| Average equity | $1,563,137,200 | 95 |
| Average total loans | $9,417,187,600 | 91 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,410 |
| Cost of funding earning assets | 0.2796% | 5,099 |
| Net interest margin | 3.5593% | 3,595 |
| Noninterest income to average assets | 1.9765% | 353 |
| Noninterest expense to average assets | 3.8214% | 944 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9295% | 2,781 |
| Return on assets (ROA) | 0.9296% | 2,873 |
| Pretax return on assets | 1.3506% | 2,190 |
| Return on Equity (ROE) | 7.7784% | 3,328 |
| Retained earnings to average equity (ytd only) | 3.9323% | 3,846 |
| Net charge-offs to loans | 0.1330% | 2,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 14.2371% | 2,159 |
| Efficiency ratio | 73.0165% | 2,994 |
| Assets per employee ($millions) | 3.3165% | 5,211 |
| Cash dividends to net income (ytd only)* | 49.4467% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 2,759 |
| Loan loss allowance to noncurrent loans | 254.6120% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 3,536 |
| Noncurrent loans to loans | 0.5859% | 4,166 |
| Net loans and leases to total assets | 72.7666% | 1,723 |
| Net loans and leases to deposits | 89.1639% | 1,530 |
| Net loans and leases to core deposits | 91.8473% | 2,049 |
| Total domestic deposits to total assets | 81.6099% | 4,627 |
| Equity capital to assets | 12.1647% | 1,933 |
| Core capital (leverage) ratio | 10.1562% | 3,468 |
| Tier 1 risk-based capital ratio | 12.7540% | 5,004 |
| Total risk-based capital ratio | 14.0111% | 4,910 |
| Memoranda: | ||
| Average total assets | $13,052,823,500 | 97 |
| Average earning assets | $11,717,999,250 | 99 |
| Average equity | $1,559,946,750 | 96 |
| Average total loans | $9,308,490,500 | 92 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8145% | 4,472 |
| Cost of funding earning assets | 0.2849% | 5,131 |
| Net interest margin | 3.5295% | 3,660 |
| Noninterest income to average assets | 1.9876% | 348 |
| Noninterest expense to average assets | 3.7786% | 999 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9400% | 2,596 |
| Return on assets (ROA) | 0.9400% | 2,703 |
| Pretax return on assets | 1.3728% | 1,991 |
| Return on Equity (ROE) | 7.9124% | 3,146 |
| Retained earnings to average equity (ytd only) | 4.0419% | 3,605 |
| Net charge-offs to loans | 0.1328% | 2,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 14.6716% | 1,899 |
| Efficiency ratio | 72.4796% | 3,246 |
| Assets per employee ($millions) | 3.1601% | 5,485 |
| Cash dividends to net income (ytd only)* | 48.9165% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 2,618 |
| Loan loss allowance to noncurrent loans | 219.8034% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 3,184 |
| Noncurrent loans to loans | 0.7105% | 3,929 |
| Net loans and leases to total assets | 71.4555% | 1,831 |
| Net loans and leases to deposits | 87.1512% | 1,689 |
| Net loans and leases to core deposits | 89.9121% | 2,136 |
| Total domestic deposits to total assets | 81.9903% | 4,656 |
| Equity capital to assets | 12.1320% | 1,897 |
| Core capital (leverage) ratio | 10.0683% | 3,510 |
| Tier 1 risk-based capital ratio | 12.7432% | 5,067 |
| Total risk-based capital ratio | 14.0009% | 5,009 |
| Memoranda: | ||
| Average total assets | $13,049,147,330 | 98 |
| Average earning assets | $11,696,976,670 | 99 |
| Average equity | $1,550,204,000 | 98 |
| Average total loans | $9,194,631,670 | 92 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7901% | 4,526 |
| Cost of funding earning assets | 0.2954% | 5,113 |
| Net interest margin | 3.4948% | 3,722 |
| Noninterest income to average assets | 1.9448% | 351 |
| Noninterest expense to average assets | 3.7692% | 1,030 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8964% | 2,675 |
| Return on assets (ROA) | 0.8964% | 2,735 |
| Pretax return on assets | 1.3071% | 2,068 |
| Return on Equity (ROE) | 7.6256% | 3,133 |
| Retained earnings to average equity (ytd only) | 3.7245% | 3,897 |
| Net charge-offs to loans | 0.1556% | 1,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.1067% | 1,738 |
| Efficiency ratio | 73.3947% | 3,247 |
| Assets per employee ($millions) | 3.3039% | 5,333 |
| Cash dividends to net income (ytd only)* | 51.1579% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 2,550 |
| Loan loss allowance to noncurrent loans | 188.3543% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0891% | 3,072 |
| Noncurrent loans to loans | 0.8702% | 3,719 |
| Net loans and leases to total assets | 68.3897% | 2,162 |
| Net loans and leases to deposits | 83.3103% | 1,905 |
| Net loans and leases to core deposits | 86.0300% | 2,317 |
| Total domestic deposits to total assets | 82.0903% | 4,914 |
| Equity capital to assets | 11.7989% | 2,010 |
| Core capital (leverage) ratio | 9.8432% | 3,798 |
| Tier 1 risk-based capital ratio | 12.9205% | 5,043 |
| Total risk-based capital ratio | 14.1788% | 4,981 |
| Memoranda: | ||
| Average total assets | $13,084,479,500 | 97 |
| Average earning assets | $11,725,037,500 | 97 |
| Average equity | $1,538,033,000 | 95 |
| Average total loans | $9,081,464,500 | 91 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8216% | 4,731 |
| Cost of funding earning assets | 0.3623% | 5,027 |
| Net interest margin | 3.4593% | 4,060 |
| Noninterest income to average assets | 1.9999% | 387 |
| Noninterest expense to average assets | 3.9491% | 921 |
| Loan and lease loss provision to assets | 0.0569% | 4,008 |
| Net operating income to assets | 0.7695% | 3,447 |
| Return on assets (ROA) | 0.7697% | 3,540 |
| Pretax return on assets | 1.0988% | 2,951 |
| Return on Equity (ROE) | 6.7898% | 3,678 |
| Retained earnings to average equity (ytd only) | 4.4488% | 3,009 |
| Net charge-offs to loans | 0.2121% | 2,767 |
| Credit loss provision to net charge-offs | 40.0427% | 4,046 |
| Earnings coverage of net charge-offs (x) | 8.1348% | 2,724 |
| Efficiency ratio | 76.9250% | 2,633 |
| Assets per employee ($millions) | 3.3019% | 5,290 |
| Cash dividends to net income (ytd only)* | 34.4783% | 3,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 2,411 |
| Loan loss allowance to noncurrent loans | 164.0642% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 1.2487% | 2,921 |
| Noncurrent loans to loans | 1.0344% | 3,441 |
| Net loans and leases to total assets | 68.1067% | 2,341 |
| Net loans and leases to deposits | 82.9494% | 2,069 |
| Net loans and leases to core deposits | 85.6525% | 2,489 |
| Total domestic deposits to total assets | 82.1062% | 4,835 |
| Equity capital to assets | 11.7100% | 2,021 |
| Core capital (leverage) ratio | 9.8092% | 3,830 |
| Tier 1 risk-based capital ratio | 12.8294% | 5,097 |
| Total risk-based capital ratio | 14.0886% | 5,034 |
| Memoranda: | ||
| Average total assets | $13,187,883,200 | 93 |
| Average earning assets | $11,835,425,600 | 92 |
| Average equity | $1,495,083,000 | 95 |
| Average total loans | $8,828,698,800 | 89 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8076% | 4,827 |
| Cost of funding earning assets | 0.3732% | 5,062 |
| Net interest margin | 3.4343% | 4,149 |
| Noninterest income to average assets | 2.0322% | 410 |
| Noninterest expense to average assets | 3.9936% | 865 |
| Loan and lease loss provision to assets | 0.0756% | 3,546 |
| Net operating income to assets | 0.7363% | 3,670 |
| Return on assets (ROA) | 0.7364% | 3,799 |
| Pretax return on assets | 1.0480% | 3,310 |
| Return on Equity (ROE) | 6.5487% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.3076% | 3,615 |
| Net charge-offs to loans | 0.2733% | 2,185 |
| Credit loss provision to net charge-offs | 41.6852% | 3,674 |
| Earnings coverage of net charge-offs (x) | 6.1941% | 3,018 |
| Efficiency ratio | 77.6220% | 2,468 |
| Assets per employee ($millions) | 3.2433% | 5,401 |
| Cash dividends to net income (ytd only)* | 34.2222% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7395% | 2,489 |
| Loan loss allowance to noncurrent loans | 125.3523% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.5450% | 2,616 |
| Noncurrent loans to loans | 1.3877% | 3,094 |
| Net loans and leases to total assets | 67.2950% | 2,414 |
| Net loans and leases to deposits | 81.6681% | 2,177 |
| Net loans and leases to core deposits | 84.4434% | 2,605 |
| Total domestic deposits to total assets | 82.4005% | 4,793 |
| Equity capital to assets | 11.5944% | 2,229 |
| Core capital (leverage) ratio | 9.8491% | 3,893 |
| Tier 1 risk-based capital ratio | 13.1209% | 5,039 |
| Total risk-based capital ratio | 14.3805% | 4,979 |
| Memoranda: | ||
| Average total assets | $13,226,729,500 | 90 |
| Average earning assets | $11,880,421,500 | 91 |
| Average equity | $1,487,328,250 | 96 |
| Average total loans | $8,778,565,000 | 87 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 4,876 |
| Cost of funding earning assets | 0.3860% | 5,071 |
| Net interest margin | 3.3983% | 4,188 |
| Noninterest income to average assets | 2.1332% | 407 |
| Noninterest expense to average assets | 4.0783% | 792 |
| Loan and lease loss provision to assets | 0.1050% | 3,036 |
| Net operating income to assets | 0.7080% | 3,767 |
| Return on assets (ROA) | 0.7082% | 3,938 |
| Pretax return on assets | 1.0028% | 3,500 |
| Return on Equity (ROE) | 6.3620% | 3,957 |
| Retained earnings to average equity (ytd only) | 2.9918% | 4,416 |
| Net charge-offs to loans | 0.2380% | 2,294 |
| Credit loss provision to net charge-offs | 67.1850% | 2,888 |
| Earnings coverage of net charge-offs (x) | 7.0832% | 2,600 |
| Efficiency ratio | 78.2199% | 2,423 |
| Assets per employee ($millions) | 3.2790% | 5,316 |
| Cash dividends to net income (ytd only)* | 52.9740% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8302% | 2,334 |
| Loan loss allowance to noncurrent loans | 106.6671% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.8127% | 2,394 |
| Noncurrent loans to loans | 1.7158% | 2,744 |
| Net loans and leases to total assets | 65.4031% | 2,697 |
| Net loans and leases to deposits | 79.0376% | 2,454 |
| Net loans and leases to core deposits | 81.5818% | 2,844 |
| Total domestic deposits to total assets | 82.7493% | 4,799 |
| Equity capital to assets | 11.1461% | 2,614 |
| Core capital (leverage) ratio | 9.5127% | 4,228 |
| Tier 1 risk-based capital ratio | 12.8725% | 5,243 |
| Total risk-based capital ratio | 14.1326% | 5,169 |
| Memoranda: | ||
| Average total assets | $13,327,478,330 | 89 |
| Average earning assets | $11,971,868,000 | 90 |
| Average equity | $1,483,599,670 | 95 |
| Average total loans | $8,754,253,000 | 87 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7758% | 4,901 |
| Cost of funding earning assets | 0.4025% | 5,079 |
| Net interest margin | 3.3734% | 4,217 |
| Noninterest income to average assets | 2.0641% | 415 |
| Noninterest expense to average assets | 3.9643% | 923 |
| Loan and lease loss provision to assets | 0.1195% | 2,730 |
| Net operating income to assets | 0.7209% | 3,587 |
| Return on assets (ROA) | 0.7213% | 3,719 |
| Pretax return on assets | 1.0189% | 3,268 |
| Return on Equity (ROE) | 6.4832% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.4832% | 2,414 |
| Net charge-offs to loans | 0.2686% | 1,884 |
| Credit loss provision to net charge-offs | 68.2128% | 2,320 |
| Earnings coverage of net charge-offs (x) | 6.4942% | 2,208 |
| Efficiency ratio | 77.2633% | 2,724 |
| Assets per employee ($millions) | 3.1708% | 5,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8708% | 2,388 |
| Loan loss allowance to noncurrent loans | 85.8891% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 2.1341% | 2,202 |
| Noncurrent loans to loans | 2.1781% | 2,415 |
| Net loans and leases to total assets | 63.7261% | 2,766 |
| Net loans and leases to deposits | 76.4611% | 2,559 |
| Net loans and leases to core deposits | 79.0045% | 2,927 |
| Total domestic deposits to total assets | 83.3445% | 4,736 |
| Equity capital to assets | 11.2031% | 2,736 |
| Core capital (leverage) ratio | 9.4411% | 4,179 |
| Tier 1 risk-based capital ratio | 12.7990% | 5,372 |
| Total risk-based capital ratio | 14.0588% | 5,312 |
| Memoranda: | ||
| Average total assets | $13,387,240,500 | 91 |
| Average earning assets | $12,056,346,500 | 89 |
| Average equity | $1,489,316,500 | 93 |
| Average total loans | $8,731,653,500 | 88 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1482% | 4,778 |
| Cost of funding earning assets | 0.5126% | 5,131 |
| Net interest margin | 3.6356% | 3,940 |
| Noninterest income to average assets | 1.8588% | 485 |
| Noninterest expense to average assets | 3.8942% | 1,104 |
| Loan and lease loss provision to assets | 0.2120% | 3,025 |
| Net operating income to assets | 0.7110% | 3,692 |
| Return on assets (ROA) | 0.7134% | 3,935 |
| Pretax return on assets | 1.0088% | 3,521 |
| Return on Equity (ROE) | 6.5496% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.5496% | 1,791 |
| Net charge-offs to loans | 0.6628% | 1,778 |
| Credit loss provision to net charge-offs | 47.7392% | 4,745 |
| Earnings coverage of net charge-offs (x) | 2.7418% | 4,056 |
| Efficiency ratio | 75.7071% | 2,798 |
| Assets per employee ($millions) | 3.1649% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8750% | 2,368 |
| Loan loss allowance to noncurrent loans | 78.8991% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 2.3278% | 2,109 |
| Noncurrent loans to loans | 2.3764% | 2,256 |
| Net loans and leases to total assets | 64.2780% | 2,849 |
| Net loans and leases to deposits | 77.8289% | 2,560 |
| Net loans and leases to core deposits | 80.5525% | 2,934 |
| Total domestic deposits to total assets | 82.5888% | 4,895 |
| Equity capital to assets | 11.0467% | 2,893 |
| Core capital (leverage) ratio | 9.3376% | 4,347 |
| Tier 1 risk-based capital ratio | 12.4758% | 5,496 |
| Total risk-based capital ratio | 13.7351% | 5,444 |
| Memoranda: | ||
| Average total assets | $13,209,803,600 | 90 |
| Average earning assets | $11,819,192,000 | 89 |
| Average equity | $1,438,881,800 | 95 |
| Average total loans | $8,848,751,200 | 83 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2176% | 4,755 |
| Cost of funding earning assets | 0.5341% | 5,221 |
| Net interest margin | 3.6835% | 3,863 |
| Noninterest income to average assets | 1.8757% | 458 |
| Noninterest expense to average assets | 3.8677% | 1,109 |
| Loan and lease loss provision to assets | 0.2228% | 2,835 |
| Net operating income to assets | 0.7557% | 3,671 |
| Return on assets (ROA) | 0.7577% | 3,911 |
| Pretax return on assets | 1.0815% | 3,417 |
| Return on Equity (ROE) | 6.9814% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.9814% | 2,144 |
| Net charge-offs to loans | 0.7232% | 1,527 |
| Credit loss provision to net charge-offs | 45.7390% | 4,498 |
| Earnings coverage of net charge-offs (x) | 2.6715% | 3,967 |
| Efficiency ratio | 74.3600% | 2,923 |
| Assets per employee ($millions) | 3.1117% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9175% | 2,420 |
| Loan loss allowance to noncurrent loans | 76.4169% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 2.6420% | 1,998 |
| Noncurrent loans to loans | 2.5093% | 2,284 |
| Net loans and leases to total assets | 65.3734% | 2,758 |
| Net loans and leases to deposits | 78.8262% | 2,554 |
| Net loans and leases to core deposits | 81.7421% | 2,998 |
| Total domestic deposits to total assets | 82.9336% | 4,662 |
| Equity capital to assets | 11.1416% | 3,107 |
| Core capital (leverage) ratio | 9.2643% | 4,655 |
| Tier 1 risk-based capital ratio | 12.2215% | 5,822 |
| Total risk-based capital ratio | 13.4810% | 5,790 |
| Memoranda: | ||
| Average total assets | $13,164,630,500 | 89 |
| Average earning assets | $11,770,503,750 | 89 |
| Average equity | $1,428,799,000 | 98 |
| Average total loans | $8,868,036,500 | 84 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 4,680 |
| Cost of funding earning assets | 0.5555% | 5,263 |
| Net interest margin | 3.7159% | 3,750 |
| Noninterest income to average assets | 1.8706% | 439 |
| Noninterest expense to average assets | 3.9016% | 1,075 |
| Loan and lease loss provision to assets | 0.2434% | 2,632 |
| Net operating income to assets | 0.7351% | 3,679 |
| Return on assets (ROA) | 0.7378% | 3,936 |
| Pretax return on assets | 1.0465% | 3,534 |
| Return on Equity (ROE) | 6.8591% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.8591% | 2,182 |
| Net charge-offs to loans | 0.7939% | 1,388 |
| Credit loss provision to net charge-offs | 45.3630% | 4,142 |
| Earnings coverage of net charge-offs (x) | 2.3966% | 3,798 |
| Efficiency ratio | 74.7664% | 2,940 |
| Assets per employee ($millions) | 3.1051% | 5,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9878% | 2,263 |
| Loan loss allowance to noncurrent loans | 72.7007% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 2.9335% | 1,884 |
| Noncurrent loans to loans | 2.7342% | 2,196 |
| Net loans and leases to total assets | 65.9815% | 2,673 |
| Net loans and leases to deposits | 79.1509% | 2,501 |
| Net loans and leases to core deposits | 82.2552% | 2,932 |
| Total domestic deposits to total assets | 83.3617% | 4,596 |
| Equity capital to assets | 10.9707% | 3,153 |
| Core capital (leverage) ratio | 9.0851% | 4,788 |
| Tier 1 risk-based capital ratio | 12.0355% | 5,904 |
| Total risk-based capital ratio | 13.2959% | 5,878 |
| Memoranda: | ||
| Average total assets | $13,144,645,000 | 88 |
| Average earning assets | $11,734,285,670 | 87 |
| Average equity | $1,413,923,670 | 97 |
| Average total loans | $8,885,920,330 | 85 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 4,701 |
| Cost of funding earning assets | 0.5778% | 5,295 |
| Net interest margin | 3.7308% | 3,693 |
| Noninterest income to average assets | 1.9926% | 413 |
| Noninterest expense to average assets | 3.9234% | 1,032 |
| Loan and lease loss provision to assets | 0.3043% | 2,068 |
| Net operating income to assets | 0.7703% | 3,524 |
| Return on assets (ROA) | 0.7719% | 3,754 |
| Pretax return on assets | 1.0978% | 3,330 |
| Return on Equity (ROE) | 7.2480% | 3,631 |
| Retained earnings to average equity (ytd only) | 7.2480% | 2,304 |
| Net charge-offs to loans | 1.0484% | 992 |
| Credit loss provision to net charge-offs | 42.8431% | 3,400 |
| Earnings coverage of net charge-offs (x) | 1.9711% | 3,352 |
| Efficiency ratio | 73.2674% | 3,208 |
| Assets per employee ($millions) | 3.1598% | 5,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0532% | 2,211 |
| Loan loss allowance to noncurrent loans | 71.3072% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 3.1778% | 1,820 |
| Noncurrent loans to loans | 2.8793% | 2,243 |
| Net loans and leases to total assets | 65.1874% | 2,620 |
| Net loans and leases to deposits | 78.1163% | 2,485 |
| Net loans and leases to core deposits | 81.2885% | 2,918 |
| Total domestic deposits to total assets | 83.4491% | 4,731 |
| Equity capital to assets | 10.6151% | 3,364 |
| Core capital (leverage) ratio | 8.8393% | 5,083 |
| Tier 1 risk-based capital ratio | 11.7310% | 6,141 |
| Total risk-based capital ratio | 12.9920% | 6,111 |
| Memoranda: | ||
| Average total assets | $13,146,515,500 | 88 |
| Average earning assets | $11,736,509,500 | 86 |
| Average equity | $1,400,063,000 | 98 |
| Average total loans | $8,905,675,500 | 85 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5409% | 4,913 |
| Cost of funding earning assets | 0.7695% | 5,061 |
| Net interest margin | 3.7714% | 3,971 |
| Noninterest income to average assets | 1.7620% | 460 |
| Noninterest expense to average assets | 3.8078% | 1,338 |
| Loan and lease loss provision to assets | 0.9749% | 981 |
| Net operating income to assets | 0.2898% | 5,291 |
| Return on assets (ROA) | 0.3643% | 5,181 |
| Pretax return on assets | 0.4433% | 5,155 |
| Return on Equity (ROE) | 3.5519% | 5,049 |
| Retained earnings to average equity (ytd only) | 1.8712% | 4,879 |
| Net charge-offs to loans | 1.4297% | 1,138 |
| Credit loss provision to net charge-offs | 98.6389% | 3,641 |
| Earnings coverage of net charge-offs (x) | 1.3429% | 4,766 |
| Efficiency ratio | 73.6674% | 3,285 |
| Assets per employee ($millions) | 3.0609% | 5,974 |
| Cash dividends to net income (ytd only)* | 47.3173% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1782% | 1,839 |
| Loan loss allowance to noncurrent loans | 69.6271% | 4,073 |
| Noncurrent assets plus other real estate owned to assets | 3.4952% | 1,697 |
| Noncurrent loans to loans | 3.1283% | 2,065 |
| Net loans and leases to total assets | 67.4562% | 2,498 |
| Net loans and leases to deposits | 80.6604% | 2,411 |
| Net loans and leases to core deposits | 84.2292% | 2,862 |
| Total domestic deposits to total assets | 83.6298% | 4,487 |
| Equity capital to assets | 10.6851% | 3,317 |
| Core capital (leverage) ratio | 8.6684% | 5,294 |
| Tier 1 risk-based capital ratio | 11.4638% | 6,186 |
| Total risk-based capital ratio | 12.7262% | 6,164 |
| Memoranda: | ||
| Average total assets | $13,342,999,000 | 82 |
| Average earning assets | $11,933,766,000 | 83 |
| Average equity | $1,368,503,200 | 94 |
| Average total loans | $9,224,068,800 | 79 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 5,030 |
| Cost of funding earning assets | 0.8071% | 5,102 |
| Net interest margin | 3.7548% | 4,089 |
| Noninterest income to average assets | 1.7863% | 447 |
| Noninterest expense to average assets | 3.7979% | 1,308 |
| Loan and lease loss provision to assets | 1.1002% | 745 |
| Net operating income to assets | 0.2180% | 5,651 |
| Return on assets (ROA) | 0.3226% | 5,483 |
| Pretax return on assets | 0.3699% | 5,554 |
| Return on Equity (ROE) | 3.1771% | 5,352 |
| Retained earnings to average equity (ytd only) | 1.9061% | 5,188 |
| Net charge-offs to loans | 1.5507% | 922 |
| Credit loss provision to net charge-offs | 102.5662% | 3,245 |
| Earnings coverage of net charge-offs (x) | 1.2585% | 4,674 |
| Efficiency ratio | 73.2928% | 3,315 |
| Assets per employee ($millions) | 3.0991% | 5,900 |
| Cash dividends to net income (ytd only)* | 40.0074% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1795% | 1,904 |
| Loan loss allowance to noncurrent loans | 62.0467% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 3.6709% | 1,707 |
| Noncurrent loans to loans | 3.5127% | 1,958 |
| Net loans and leases to total assets | 67.9002% | 2,502 |
| Net loans and leases to deposits | 81.6993% | 2,417 |
| Net loans and leases to core deposits | 86.3470% | 2,731 |
| Total domestic deposits to total assets | 82.4012% | 4,925 |
| Equity capital to assets | 10.5930% | 3,585 |
| Core capital (leverage) ratio | 8.5139% | 5,691 |
| Tier 1 risk-based capital ratio | 11.1228% | 6,468 |
| Total risk-based capital ratio | 12.3849% | 6,450 |
| Memoranda: | ||
| Average total assets | $13,431,162,500 | 82 |
| Average earning assets | $12,024,442,250 | 83 |
| Average equity | $1,363,620,250 | 95 |
| Average total loans | $9,290,609,750 | 78 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 5,010 |
| Cost of funding earning assets | 0.8462% | 5,088 |
| Net interest margin | 3.7433% | 4,065 |
| Noninterest income to average assets | 1.8465% | 402 |
| Noninterest expense to average assets | 3.8037% | 1,338 |
| Loan and lease loss provision to assets | 1.2691% | 592 |
| Net operating income to assets | 0.1212% | 5,960 |
| Return on assets (ROA) | 0.2627% | 5,632 |
| Pretax return on assets | 0.2780% | 5,718 |
| Return on Equity (ROE) | 2.6249% | 5,553 |
| Retained earnings to average equity (ytd only) | 0.5541% | 5,631 |
| Net charge-offs to loans | 1.8215% | 761 |
| Credit loss provision to net charge-offs | 100.8411% | 3,074 |
| Earnings coverage of net charge-offs (x) | 1.1109% | 4,444 |
| Efficiency ratio | 72.6422% | 3,609 |
| Assets per employee ($millions) | 3.0867% | 5,908 |
| Cash dividends to net income (ytd only)* | 78.8910% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1273% | 2,062 |
| Loan loss allowance to noncurrent loans | 58.9835% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 3.6390% | 1,803 |
| Noncurrent loans to loans | 3.6067% | 1,951 |
| Net loans and leases to total assets | 68.0445% | 2,600 |
| Net loans and leases to deposits | 80.9985% | 2,618 |
| Net loans and leases to core deposits | 85.7028% | 2,953 |
| Total domestic deposits to total assets | 83.2237% | 4,659 |
| Equity capital to assets | 10.2787% | 3,783 |
| Core capital (leverage) ratio | 8.2345% | 5,973 |
| Tier 1 risk-based capital ratio | 10.8171% | 6,645 |
| Total risk-based capital ratio | 12.0794% | 6,609 |
| Memoranda: | ||
| Average total assets | $13,508,555,670 | 82 |
| Average earning assets | $12,108,241,330 | 85 |
| Average equity | $1,352,103,000 | 97 |
| Average total loans | $9,333,537,670 | 79 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5844% | 5,012 |
| Cost of funding earning assets | 0.8747% | 5,095 |
| Net interest margin | 3.7098% | 4,048 |
| Noninterest income to average assets | 1.8286% | 417 |
| Noninterest expense to average assets | 3.6380% | 1,683 |
| Loan and lease loss provision to assets | 1.5750% | 392 |
| Net operating income to assets | 0.0560% | 6,218 |
| Return on assets (ROA) | 0.0563% | 6,260 |
| Pretax return on assets | -0.0543% | 6,409 |
| Return on Equity (ROE) | 0.5701% | 6,251 |
| Retained earnings to average equity (ytd only) | -3.3064% | 6,332 |
| Net charge-offs to loans | 2.2259% | 544 |
| Credit loss provision to net charge-offs | 102.7277% | 2,583 |
| Earnings coverage of net charge-offs (x) | 0.9915% | 3,916 |
| Efficiency ratio | 70.0407% | 4,263 |
| Assets per employee ($millions) | 3.1457% | 5,840 |
| Cash dividends to net income (ytd only)* | 679.9163% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1381% | 2,102 |
| Loan loss allowance to noncurrent loans | 52.8106% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 3.7805% | 1,784 |
| Noncurrent loans to loans | 4.0487% | 1,789 |
| Net loans and leases to total assets | 67.0314% | 2,750 |
| Net loans and leases to deposits | 79.5699% | 2,796 |
| Net loans and leases to core deposits | 84.5402% | 3,094 |
| Total domestic deposits to total assets | 83.3581% | 4,767 |
| Equity capital to assets | 9.8588% | 3,959 |
| Core capital (leverage) ratio | 7.7879% | 6,475 |
| Tier 1 risk-based capital ratio | 10.3495% | 6,887 |
| Total risk-based capital ratio | 11.6115% | 6,866 |
| Memoranda: | ||
| Average total assets | $13,581,690,000 | 82 |
| Average earning assets | $12,189,697,000 | 83 |
| Average equity | $1,341,417,500 | 98 |
| Average total loans | $9,355,345,500 | 82 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 4,988 |
| Cost of funding earning assets | 1.0915% | 5,179 |
| Net interest margin | 3.8168% | 3,881 |
| Noninterest income to average assets | 1.8180% | 467 |
| Noninterest expense to average assets | 3.5005% | 2,178 |
| Loan and lease loss provision to assets | 1.5222% | 969 |
| Net operating income to assets | 0.2256% | 5,195 |
| Return on assets (ROA) | 0.2448% | 5,276 |
| Pretax return on assets | 0.2254% | 5,427 |
| Return on Equity (ROE) | 2.3837% | 5,229 |
| Retained earnings to average equity (ytd only) | -4.1187% | 6,213 |
| Net charge-offs to loans | 1.8886% | 1,091 |
| Credit loss provision to net charge-offs | 111.3953% | 3,939 |
| Earnings coverage of net charge-offs (x) | 1.2649% | 4,841 |
| Efficiency ratio | 66.3879% | 4,897 |
| Assets per employee ($millions) | 3.1596% | 5,754 |
| Cash dividends to net income (ytd only)* | 272.7827% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0871% | 2,097 |
| Loan loss allowance to noncurrent loans | 54.8275% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 3.6162% | 1,902 |
| Noncurrent loans to loans | 3.8067% | 1,940 |
| Net loans and leases to total assets | 67.8203% | 3,024 |
| Net loans and leases to deposits | 80.9386% | 3,003 |
| Net loans and leases to core deposits | 86.1791% | 3,299 |
| Total domestic deposits to total assets | 82.9071% | 4,831 |
| Equity capital to assets | 9.8944% | 3,884 |
| Core capital (leverage) ratio | 7.8701% | 6,357 |
| Tier 1 risk-based capital ratio | 10.3216% | 6,813 |
| Total risk-based capital ratio | 11.5800% | 6,782 |
| Memoranda: | ||
| Average total assets | $13,403,068,000 | 83 |
| Average earning assets | $11,977,962,400 | 82 |
| Average equity | $1,376,403,200 | 90 |
| Average total loans | $9,697,515,000 | 76 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 4,970 |
| Cost of funding earning assets | 1.1273% | 5,269 |
| Net interest margin | 3.8378% | 3,804 |
| Noninterest income to average assets | 1.7420% | 472 |
| Noninterest expense to average assets | 3.5033% | 2,026 |
| Loan and lease loss provision to assets | 1.6054% | 803 |
| Net operating income to assets | 0.1148% | 5,734 |
| Return on assets (ROA) | 0.1452% | 5,811 |
| Pretax return on assets | 0.0879% | 5,930 |
| Return on Equity (ROE) | 1.4007% | 5,794 |
| Retained earnings to average equity (ytd only) | -5.0559% | 6,558 |
| Net charge-offs to loans | 1.7983% | 1,077 |
| Credit loss provision to net charge-offs | 122.0511% | 3,367 |
| Earnings coverage of net charge-offs (x) | 1.2642% | 4,809 |
| Efficiency ratio | 67.2402% | 4,614 |
| Assets per employee ($millions) | 3.1484% | 5,804 |
| Cash dividends to net income (ytd only)* | 460.9562% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1257% | 1,937 |
| Loan loss allowance to noncurrent loans | 56.9614% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 3.2600% | 2,190 |
| Noncurrent loans to loans | 3.7318% | 2,080 |
| Net loans and leases to total assets | 69.5396% | 2,841 |
| Net loans and leases to deposits | 85.3234% | 2,459 |
| Net loans and leases to core deposits | 91.3152% | 2,904 |
| Total domestic deposits to total assets | 80.5663% | 5,520 |
| Equity capital to assets | 10.0367% | 4,115 |
| Core capital (leverage) ratio | 8.0666% | 6,251 |
| Tier 1 risk-based capital ratio | 10.2966% | 6,896 |
| Total risk-based capital ratio | 11.5582% | 6,881 |
| Memoranda: | ||
| Average total assets | $13,348,597,750 | 83 |
| Average earning assets | $11,909,926,500 | 81 |
| Average equity | $1,383,575,500 | 89 |
| Average total loans | $9,763,223,500 | 75 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 4,769 |
| Cost of funding earning assets | 1.1554% | 5,370 |
| Net interest margin | 3.8797% | 3,538 |
| Noninterest income to average assets | 1.6840% | 457 |
| Noninterest expense to average assets | 3.5048% | 2,018 |
| Loan and lease loss provision to assets | 1.5955% | 821 |
| Net operating income to assets | 0.0020% | 6,080 |
| Return on assets (ROA) | 0.0088% | 6,174 |
| Pretax return on assets | 0.0445% | 6,083 |
| Return on Equity (ROE) | 0.0844% | 6,172 |
| Retained earnings to average equity (ytd only) | -6.6759% | 6,711 |
| Net charge-offs to loans | 1.6563% | 1,140 |
| Credit loss provision to net charge-offs | 130.4304% | 3,084 |
| Earnings coverage of net charge-offs (x) | 1.3319% | 4,496 |
| Efficiency ratio | 67.6795% | 4,636 |
| Assets per employee ($millions) | 3.1143% | 5,888 |
| Cash dividends to net income (ytd only)* | 8,006.8143% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0591% | 2,051 |
| Loan loss allowance to noncurrent loans | 70.7196% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 2.6188% | 2,760 |
| Noncurrent loans to loans | 2.9117% | 2,746 |
| Net loans and leases to total assets | 71.1530% | 2,623 |
| Net loans and leases to deposits | 85.6885% | 2,556 |
| Net loans and leases to core deposits | 91.8628% | 3,010 |
| Total domestic deposits to total assets | 82.0980% | 4,941 |
| Equity capital to assets | 10.1822% | 3,797 |
| Core capital (leverage) ratio | 8.1448% | 6,041 |
| Tier 1 risk-based capital ratio | 10.2580% | 6,872 |
| Total risk-based capital ratio | 11.5186% | 6,842 |
| Memoranda: | ||
| Average total assets | $13,271,794,670 | 81 |
| Average earning assets | $11,801,955,000 | 81 |
| Average equity | $1,390,474,000 | 88 |
| Average total loans | $9,801,676,670 | 74 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0828% | 4,615 |
| Cost of funding earning assets | 1.1575% | 5,617 |
| Net interest margin | 3.9253% | 3,221 |
| Noninterest income to average assets | 1.7746% | 409 |
| Noninterest expense to average assets | 3.5420% | 1,869 |
| Loan and lease loss provision to assets | 1.3190% | 912 |
| Net operating income to assets | 0.3002% | 5,301 |
| Return on assets (ROA) | 0.3281% | 5,307 |
| Pretax return on assets | 0.4591% | 5,090 |
| Return on Equity (ROE) | 3.0876% | 5,296 |
| Retained earnings to average equity (ytd only) | -2.9016% | 6,342 |
| Net charge-offs to loans | 1.2486% | 1,361 |
| Credit loss provision to net charge-offs | 141.8574% | 2,506 |
| Earnings coverage of net charge-offs (x) | 1.8700% | 3,608 |
| Efficiency ratio | 66.4920% | 5,012 |
| Assets per employee ($millions) | 3.0695% | 6,068 |
| Cash dividends to net income (ytd only)* | 193.9775% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9277% | 2,370 |
| Loan loss allowance to noncurrent loans | 84.5493% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 2.1362% | 3,339 |
| Noncurrent loans to loans | 2.2799% | 3,417 |
| Net loans and leases to total assets | 72.6215% | 2,295 |
| Net loans and leases to deposits | 87.9824% | 2,232 |
| Net loans and leases to core deposits | 94.3486% | 2,795 |
| Total domestic deposits to total assets | 81.6872% | 5,202 |
| Equity capital to assets | 10.5546% | 3,191 |
| Core capital (leverage) ratio | 8.6746% | 5,061 |
| Tier 1 risk-based capital ratio | 10.9018% | 6,250 |
| Total risk-based capital ratio | 12.1614% | 6,222 |
| Memoranda: | ||
| Average total assets | $13,198,026,500 | 79 |
| Average earning assets | $11,788,525,500 | 79 |
| Average equity | $1,402,520,500 | 85 |
| Average total loans | $9,828,017,000 | 73 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2241% | 5,537 |
| Cost of funding earning assets | 1.3330% | 6,199 |
| Net interest margin | 3.8912% | 3,302 |
| Noninterest income to average assets | 1.9596% | 385 |
| Noninterest expense to average assets | 3.6049% | 2,129 |
| Loan and lease loss provision to assets | 0.8800% | 2,549 |
| Net operating income to assets | 0.6893% | 2,980 |
| Return on assets (ROA) | 0.6890% | 3,045 |
| Pretax return on assets | 0.9572% | 2,737 |
| Return on Equity (ROE) | 6.5947% | 2,957 |
| Retained earnings to average equity (ytd only) | 2.7181% | 3,255 |
| Net charge-offs to loans | 0.7510% | 2,949 |
| Credit loss provision to net charge-offs | 158.3876% | 2,833 |
| Earnings coverage of net charge-offs (x) | 3.3075% | 3,411 |
| Efficiency ratio | 65.5525% | 5,481 |
| Assets per employee ($millions) | 2.9634% | 6,314 |
| Cash dividends to net income (ytd only)* | 58.7838% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7859% | 2,596 |
| Loan loss allowance to noncurrent loans | 96.6473% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.8340% | 3,622 |
| Noncurrent loans to loans | 1.8478% | 3,868 |
| Net loans and leases to total assets | 73.5476% | 2,370 |
| Net loans and leases to deposits | 91.5041% | 1,961 |
| Net loans and leases to core deposits | 111.1091% | 2,784 |
| Total domestic deposits to total assets | 79.5527% | 5,831 |
| Equity capital to assets | 10.6992% | 2,967 |
| Core capital (leverage) ratio | 8.7897% | 4,782 |
| Tier 1 risk-based capital ratio | 10.9488% | 5,962 |
| Total risk-based capital ratio | 12.2065% | 5,927 |
| Memoranda: | ||
| Average total assets | $13,332,683,200 | 82 |
| Average earning assets | $11,933,742,400 | 78 |
| Average equity | $1,392,957,800 | 85 |
| Average total loans | $9,863,822,200 | 71 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2302% | 5,758 |
| Cost of funding earning assets | 1.3604% | 6,365 |
| Net interest margin | 3.8697% | 3,344 |
| Noninterest income to average assets | 1.9856% | 374 |
| Noninterest expense to average assets | 3.5784% | 2,074 |
| Loan and lease loss provision to assets | 0.5488% | 3,192 |
| Net operating income to assets | 0.9157% | 2,364 |
| Return on assets (ROA) | 0.9160% | 2,430 |
| Pretax return on assets | 1.3256% | 1,892 |
| Return on Equity (ROE) | 8.8198% | 2,333 |
| Retained earnings to average equity (ytd only) | 5.5564% | 2,172 |
| Net charge-offs to loans | 0.5819% | 2,932 |
| Credit loss provision to net charge-offs | 127.8667% | 3,924 |
| Earnings coverage of net charge-offs (x) | 4.3660% | 3,162 |
| Efficiency ratio | 64.9327% | 5,563 |
| Assets per employee ($millions) | 2.9860% | 6,196 |
| Cash dividends to net income (ytd only)* | 37.0012% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 3,586 |
| Loan loss allowance to noncurrent loans | 137.2257% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 1.2629% | 4,541 |
| Noncurrent loans to loans | 1.0724% | 5,167 |
| Net loans and leases to total assets | 73.0564% | 2,773 |
| Net loans and leases to deposits | 94.8801% | 1,735 |
| Net loans and leases to core deposits | 115.2471% | 2,699 |
| Total domestic deposits to total assets | 76.6092% | 6,446 |
| Equity capital to assets | 10.6854% | 3,308 |
| Core capital (leverage) ratio | 8.8674% | 4,870 |
| Tier 1 risk-based capital ratio | 11.1688% | 5,794 |
| Total risk-based capital ratio | 12.4224% | 5,731 |
| Memoranda: | ||
| Average total assets | $13,374,989,250 | 85 |
| Average earning assets | $11,981,736,000 | 80 |
| Average equity | $1,389,100,000 | 88 |
| Average total loans | $9,865,416,250 | 73 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 5,878 |
| Cost of funding earning assets | 1.3878% | 6,524 |
| Net interest margin | 3.8605% | 3,287 |
| Noninterest income to average assets | 2.1055% | 338 |
| Noninterest expense to average assets | 3.5769% | 2,134 |
| Loan and lease loss provision to assets | 0.4853% | 3,104 |
| Net operating income to assets | 1.0174% | 2,046 |
| Return on assets (ROA) | 1.0179% | 2,135 |
| Pretax return on assets | 1.4993% | 1,443 |
| Return on Equity (ROE) | 9.8946% | 2,055 |
| Retained earnings to average equity (ytd only) | 7.4300% | 1,422 |
| Net charge-offs to loans | 0.5385% | 2,712 |
| Credit loss provision to net charge-offs | 122.3961% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.0036% | 2,934 |
| Efficiency ratio | 63.6198% | 5,978 |
| Assets per employee ($millions) | 2.9555% | 6,250 |
| Cash dividends to net income (ytd only)* | 24.9092% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 3,684 |
| Loan loss allowance to noncurrent loans | 152.2467% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 1.0732% | 4,817 |
| Noncurrent loans to loans | 0.9245% | 5,369 |
| Net loans and leases to total assets | 73.1412% | 2,924 |
| Net loans and leases to deposits | 96.4091% | 1,731 |
| Net loans and leases to core deposits | 116.3335% | 2,683 |
| Total domestic deposits to total assets | 75.7739% | 6,598 |
| Equity capital to assets | 10.5659% | 3,322 |
| Core capital (leverage) ratio | 8.7393% | 5,021 |
| Tier 1 risk-based capital ratio | 11.0970% | 5,779 |
| Total risk-based capital ratio | 12.3501% | 5,694 |
| Memoranda: | ||
| Average total assets | $13,410,108,000 | 89 |
| Average earning assets | $12,002,341,330 | 85 |
| Average equity | $1,379,496,330 | 93 |
| Average total loans | $9,874,186,330 | 79 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2421% | 6,152 |
| Cost of funding earning assets | 1.4201% | 6,663 |
| Net interest margin | 3.8220% | 3,364 |
| Noninterest income to average assets | 1.9173% | 389 |
| Noninterest expense to average assets | 3.4967% | 2,107 |
| Loan and lease loss provision to assets | 0.4438% | 2,704 |
| Net operating income to assets | 0.9545% | 2,497 |
| Return on assets (ROA) | 0.9546% | 2,626 |
| Pretax return on assets | 1.3986% | 1,969 |
| Return on Equity (ROE) | 9.4057% | 2,571 |
| Retained earnings to average equity (ytd only) | 9.4057% | 1,368 |
| Net charge-offs to loans | 0.5305% | 2,127 |
| Credit loss provision to net charge-offs | 114.0317% | 3,407 |
| Earnings coverage of net charge-offs (x) | 4.7338% | 2,824 |
| Efficiency ratio | 64.7388% | 5,558 |
| Assets per employee ($millions) | 2.9719% | 6,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 3,723 |
| Loan loss allowance to noncurrent loans | 200.2350% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 5,065 |
| Noncurrent loans to loans | 0.6803% | 5,705 |
| Net loans and leases to total assets | 72.4634% | 3,136 |
| Net loans and leases to deposits | 97.3677% | 1,758 |
| Net loans and leases to core deposits | 115.7448% | 2,824 |
| Total domestic deposits to total assets | 74.4225% | 6,816 |
| Equity capital to assets | 10.2969% | 3,658 |
| Core capital (leverage) ratio | 8.5379% | 5,456 |
| Tier 1 risk-based capital ratio | 10.6831% | 6,204 |
| Total risk-based capital ratio | 11.9345% | 6,115 |
| Memoranda: | ||
| Average total assets | $13,471,284,500 | 89 |
| Average earning assets | $12,059,759,000 | 88 |
| Average equity | $1,367,261,500 | 95 |
| Average total loans | $9,882,492,000 | 83 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9784% | 5,649 |
| Cost of funding earning assets | 2.1223% | 5,961 |
| Net interest margin | 3.8562% | 3,769 |
| Noninterest income to average assets | 2.1655% | 304 |
| Noninterest expense to average assets | 3.7089% | 1,943 |
| Loan and lease loss provision to assets | 0.4222% | 3,166 |
| Net operating income to assets | 1.0121% | 2,501 |
| Return on assets (ROA) | 0.9823% | 2,510 |
| Pretax return on assets | 1.4354% | 1,858 |
| Return on Equity (ROE) | 9.7104% | 2,357 |
| Retained earnings to average equity (ytd only) | 3.7659% | 2,793 |
| Net charge-offs to loans | 0.3971% | 2,828 |
| Credit loss provision to net charge-offs | 147.2349% | 3,587 |
| Earnings coverage of net charge-offs (x) | 6.6310% | 3,309 |
| Efficiency ratio | 65.3117% | 5,249 |
| Assets per employee ($millions) | 2.9698% | 6,123 |
| Cash dividends to net income (ytd only)* | 61.2178% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 3,509 |
| Loan loss allowance to noncurrent loans | 213.2707% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.8050% | 4,833 |
| Noncurrent loans to loans | 0.6301% | 5,483 |
| Net loans and leases to total assets | 72.2710% | 3,523 |
| Net loans and leases to deposits | 100.8264% | 1,736 |
| Net loans and leases to core deposits | 119.0307% | 2,784 |
| Total domestic deposits to total assets | 71.6787% | 7,060 |
| Equity capital to assets | 10.0024% | 4,035 |
| Core capital (leverage) ratio | 8.2995% | 5,952 |
| Tier 1 risk-based capital ratio | 10.3540% | 6,362 |
| Total risk-based capital ratio | 11.6058% | 6,230 |
| Memoranda: | ||
| Average total assets | $13,304,224,000 | 92 |
| Average earning assets | $11,885,712,800 | 90 |
| Average equity | $1,345,790,000 | 90 |
| Average total loans | $9,606,970,200 | 82 |