Home > Capital One Bank (USA) > Performance and Condition Ratios
Capital One Bank (USA), Performance and Condition Ratios
| 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 | 15.0544% | 8 |
| Cost of funding earning assets | 2.1368% | 2 |
| Net interest margin | 12.9177% | 10 |
| Noninterest income to average assets | 4.2800% | 146 |
| Noninterest expense to average assets | 8.1876% | 132 |
| Loan and lease loss provision to assets | 2.3700% | 15 |
| Net operating income to assets | 4.3663% | 73 |
| Return on assets (ROA) | 4.3663% | 69 |
| Pretax return on assets | 5.5222% | 68 |
| Return on Equity (ROE) | 32.6200% | 78 |
| Retained earnings to average equity (ytd only) | 32.6233% | 30 |
| Net charge-offs to loans | 2.3667% | 22 |
| Credit loss provision to net charge-offs | 119.7694% | 1,224 |
| Earnings coverage of net charge-offs (x) | 3.9929% | 2,190 |
| Efficiency ratio | 50.9216% | 4,099 |
| Assets per employee ($millions) | 4.2468% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3189% | 15 |
| Loan loss allowance to noncurrent loans | 482.1880% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 1.3212% | 282 |
| Noncurrent loans to loans | 1.5178% | 461 |
| Net loans and leases to total assets | 79.7500% | 549 |
| Net loans and leases to deposits | 114.9477% | 77 |
| Net loans and leases to core deposits | 2,058.3233% | 5 |
| Total domestic deposits to total assets | 69.2800% | 4,542 |
| Equity capital to assets | 13.3058% | 639 |
| Core capital (leverage) ratio | 16.1572% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2593% | 822 |
| Memoranda: | ||
| Average total assets | $124,120,329,750 | 30 |
| Average earning assets | $113,360,904,750 | 32 |
| Average equity | $16,612,233,000 | 21 |
| Average total loans | $103,616,814,250 | 20 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3824% | 10 |
| Cost of funding earning assets | 1.8434% | 2 |
| Net interest margin | 12.5390% | 11 |
| Noninterest income to average assets | 4.2927% | 109 |
| Noninterest expense to average assets | 8.1771% | 91 |
| Loan and lease loss provision to assets | 1.6825% | 20 |
| Net operating income to assets | 4.7203% | 33 |
| Return on assets (ROA) | 4.7204% | 29 |
| Pretax return on assets | 5.9164% | 31 |
| Return on Equity (ROE) | 35.1977% | 41 |
| Retained earnings to average equity (ytd only) | 35.1977% | 18 |
| Net charge-offs to loans | 2.3546% | 24 |
| Credit loss provision to net charge-offs | 86.4844% | 1,358 |
| Earnings coverage of net charge-offs (x) | 3.9073% | 1,979 |
| Efficiency ratio | 51.8253% | 4,140 |
| Assets per employee ($millions) | 4.3222% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1681% | 17 |
| Loan loss allowance to noncurrent loans | 600.0018% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.9928% | 474 |
| Noncurrent loans to loans | 1.1947% | 667 |
| Net loans and leases to total assets | 77.0251% | 637 |
| Net loans and leases to deposits | 114.5658% | 64 |
| Net loans and leases to core deposits | 3,152.7925% | 6 |
| Total domestic deposits to total assets | 67.1277% | 4,646 |
| Equity capital to assets | 13.4191% | 592 |
| Core capital (leverage) ratio | 15.8484% | 391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9740% | 856 |
| Memoranda: | ||
| Average total assets | $122,960,358,667 | 30 |
| Average earning assets | $112,606,552,000 | 32 |
| Average equity | $16,490,213,667 | 22 |
| Average total loans | $101,556,813,000 | 20 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3204% | 9 |
| Cost of funding earning assets | 1.6624% | 3 |
| Net interest margin | 12.6580% | 11 |
| Noninterest income to average assets | 4.3264% | 114 |
| Noninterest expense to average assets | 8.2997% | 88 |
| Loan and lease loss provision to assets | 1.6184% | 26 |
| Net operating income to assets | 4.8674% | 38 |
| Return on assets (ROA) | 4.8677% | 36 |
| Pretax return on assets | 6.0258% | 37 |
| Return on Equity (ROE) | 36.3079% | 35 |
| Retained earnings to average equity (ytd only) | 36.3079% | 23 |
| Net charge-offs to loans | 2.2500% | 29 |
| Credit loss provision to net charge-offs | 87.2834% | 1,091 |
| Earnings coverage of net charge-offs (x) | 4.1231% | 1,636 |
| Efficiency ratio | 52.0492% | 4,197 |
| Assets per employee ($millions) | 4.4301% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7431% | 16 |
| Loan loss allowance to noncurrent loans | 609.1086% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0314% | 483 |
| Noncurrent loans to loans | 1.2712% | 688 |
| Net loans and leases to total assets | 74.7201% | 598 |
| Net loans and leases to deposits | 108.7257% | 76 |
| Net loans and leases to core deposits | 1,697.2323% | 6 |
| Total domestic deposits to total assets | 68.6128% | 4,671 |
| Equity capital to assets | 13.3515% | 631 |
| Core capital (leverage) ratio | 15.1908% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7458% | 935 |
| Memoranda: | ||
| Average total assets | $121,081,591,000 | 31 |
| Average earning assets | $111,124,323,500 | 33 |
| Average equity | $16,233,106,500 | 24 |
| Average total loans | $99,764,620,000 | 19 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0867% | 11 |
| Cost of funding earning assets | 1.5765% | 7 |
| Net interest margin | 12.5102% | 12 |
| Noninterest income to average assets | 3.9006% | 141 |
| Noninterest expense to average assets | 7.3531% | 101 |
| Loan and lease loss provision to assets | -0.8574% | 4,829 |
| Net operating income to assets | 6.9160% | 28 |
| Return on assets (ROA) | 6.9151% | 28 |
| Pretax return on assets | 8.8784% | 27 |
| Return on Equity (ROE) | 42.1272% | 28 |
| Retained earnings to average equity (ytd only) | -10.1841% | 4,771 |
| Net charge-offs to loans | 1.9592% | 22 |
| Credit loss provision to net charge-offs | -52.7405% | 3,261 |
| Earnings coverage of net charge-offs (x) | 4.9335% | 2,474 |
| Efficiency ratio | 47.8144% | 4,418 |
| Assets per employee ($millions) | 4.5718% | 4,061 |
| Cash dividends to net income (ytd only)* | 124.1745% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6561% | 17 |
| Loan loss allowance to noncurrent loans | 668.8653% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9613% | 591 |
| Noncurrent loans to loans | 1.1446% | 843 |
| Net loans and leases to total assets | 77.3993% | 417 |
| Net loans and leases to deposits | 116.1017% | 51 |
| Net loans and leases to core deposits | 1,528.5105% | 6 |
| Total domestic deposits to total assets | 66.5307% | 4,726 |
| Equity capital to assets | 13.4627% | 774 |
| Core capital (leverage) ratio | 14.8984% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0269% | 1,038 |
| Memoranda: | ||
| Average total assets | $110,634,909,800 | 31 |
| Average earning assets | $101,477,439,400 | 32 |
| Average equity | $18,160,538,000 | 17 |
| Average total loans | $91,821,146,800 | 20 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9450% | 11 |
| Cost of funding earning assets | 1.5829% | 8 |
| Net interest margin | 12.3620% | 11 |
| Noninterest income to average assets | 3.9626% | 142 |
| Noninterest expense to average assets | 7.2190% | 103 |
| Loan and lease loss provision to assets | -1.6477% | 4,912 |
| Net operating income to assets | 7.5497% | 29 |
| Return on assets (ROA) | 7.5484% | 29 |
| Pretax return on assets | 9.7195% | 27 |
| Return on Equity (ROE) | 43.7969% | 27 |
| Retained earnings to average equity (ytd only) | -9.0996% | 4,838 |
| Net charge-offs to loans | 2.1545% | 21 |
| Credit loss provision to net charge-offs | -92.4067% | 3,217 |
| Earnings coverage of net charge-offs (x) | 4.5274% | 2,264 |
| Efficiency ratio | 47.1967% | 4,428 |
| Assets per employee ($millions) | 4.2778% | 4,282 |
| Cash dividends to net income (ytd only)* | 120.7767% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2535% | 15 |
| Loan loss allowance to noncurrent loans | 854.4957% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.8128% | 876 |
| Noncurrent loans to loans | 0.9659% | 1,186 |
| Net loans and leases to total assets | 76.6997% | 492 |
| Net loans and leases to deposits | 118.5732% | 43 |
| Net loans and leases to core deposits | 993.3227% | 6 |
| Total domestic deposits to total assets | 64.5435% | 4,805 |
| Equity capital to assets | 15.3384% | 488 |
| Core capital (leverage) ratio | 16.1120% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9242% | 826 |
| Memoranda: | ||
| Average total assets | $108,222,812,750 | 32 |
| Average earning assets | $99,185,755,000 | 32 |
| Average equity | $18,652,317,250 | 17 |
| Average total loans | $89,572,173,500 | 20 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6870% | 11 |
| Cost of funding earning assets | 1.5829% | 11 |
| Net interest margin | 12.1041% | 12 |
| Noninterest income to average assets | 3.8825% | 145 |
| Noninterest expense to average assets | 6.9985% | 107 |
| Loan and lease loss provision to assets | -2.0352% | 4,949 |
| Net operating income to assets | 7.7766% | 29 |
| Return on assets (ROA) | 7.7764% | 27 |
| Pretax return on assets | 10.0032% | 25 |
| Return on Equity (ROE) | 43.4642% | 34 |
| Retained earnings to average equity (ytd only) | -2.4187% | 4,694 |
| Net charge-offs to loans | 2.5134% | 23 |
| Credit loss provision to net charge-offs | -98.1877% | 3,059 |
| Earnings coverage of net charge-offs (x) | 3.8438% | 2,055 |
| Efficiency ratio | 46.7507% | 4,479 |
| Assets per employee ($millions) | 4.1075% | 4,385 |
| Cash dividends to net income (ytd only)* | 105.5647% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2403% | 15 |
| Loan loss allowance to noncurrent loans | 1,003.7009% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 1,056 |
| Noncurrent loans to loans | 0.9206% | 1,339 |
| Net loans and leases to total assets | 75.7598% | 613 |
| Net loans and leases to deposits | 116.2286% | 66 |
| Net loans and leases to core deposits | 798.3632% | 9 |
| Total domestic deposits to total assets | 65.0265% | 4,834 |
| Equity capital to assets | 16.9895% | 327 |
| Core capital (leverage) ratio | 18.0373% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8154% | 629 |
| Memoranda: | ||
| Average total assets | $107,197,484,333 | 32 |
| Average earning assets | $98,165,319,000 | 32 |
| Average equity | $19,179,253,000 | 17 |
| Average total loans | $88,414,439,667 | 19 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9303% | 9 |
| Cost of funding earning assets | 1.6135% | 16 |
| Net interest margin | 12.3167% | 9 |
| Noninterest income to average assets | 3.5903% | 165 |
| Noninterest expense to average assets | 6.7753% | 110 |
| Loan and lease loss provision to assets | -1.7932% | 4,973 |
| Net operating income to assets | 7.7858% | 36 |
| Return on assets (ROA) | 7.7857% | 36 |
| Pretax return on assets | 9.8854% | 31 |
| Return on Equity (ROE) | 42.4456% | 58 |
| Retained earnings to average equity (ytd only) | 42.4456% | 28 |
| Net charge-offs to loans | 2.6616% | 24 |
| Credit loss provision to net charge-offs | -82.2059% | 2,809 |
| Earnings coverage of net charge-offs (x) | 3.7087% | 1,752 |
| Efficiency ratio | 45.5616% | 4,490 |
| Assets per employee ($millions) | 4.1051% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.0530% | 12 |
| Loan loss allowance to noncurrent loans | 798.9833% | 804 |
| Noncurrent assets plus other real estate owned to assets | 1.1178% | 699 |
| Noncurrent loans to loans | 1.3834% | 914 |
| Net loans and leases to total assets | 71.3968% | 1,106 |
| Net loans and leases to deposits | 115.9394% | 93 |
| Net loans and leases to core deposits | 1,376.1464% | 9 |
| Total domestic deposits to total assets | 61.4314% | 4,876 |
| Equity capital to assets | 19.3119% | 208 |
| Core capital (leverage) ratio | 19.8175% | 193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5743% | 374 |
| Memoranda: | ||
| Average total assets | $107,178,670,000 | 32 |
| Average earning assets | $98,133,216,000 | 32 |
| Average equity | $19,659,522,500 | 17 |
| Average total loans | $87,865,518,000 | 18 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5195% | 9 |
| Cost of funding earning assets | 1.9237% | 12 |
| Net interest margin | 11.5958% | 11 |
| Noninterest income to average assets | 3.0301% | 187 |
| Noninterest expense to average assets | 6.2002% | 121 |
| Loan and lease loss provision to assets | 6.2448% | 4 |
| Net operating income to assets | 1.1085% | 1,896 |
| Return on assets (ROA) | 1.1083% | 2,015 |
| Pretax return on assets | 1.3264% | 1,894 |
| Return on Equity (ROE) | 7.2439% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.2439% | 1,301 |
| Net charge-offs to loans | 4.1469% | 16 |
| Credit loss provision to net charge-offs | 182.3833% | 2,254 |
| Earnings coverage of net charge-offs (x) | 2.2113% | 3,184 |
| Efficiency ratio | 44.9345% | 4,760 |
| Assets per employee ($millions) | 4.1223% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.5373% | 11 |
| Loan loss allowance to noncurrent loans | 881.2614% | 738 |
| Noncurrent assets plus other real estate owned to assets | 1.0952% | 838 |
| Noncurrent loans to loans | 1.3092% | 1,041 |
| Net loans and leases to total assets | 74.0023% | 1,019 |
| Net loans and leases to deposits | 121.6385% | 70 |
| Net loans and leases to core deposits | 1,582.0176% | 9 |
| Total domestic deposits to total assets | 60.6956% | 4,908 |
| Equity capital to assets | 17.3952% | 306 |
| Core capital (leverage) ratio | 18.3420% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4425% | 475 |
| Memoranda: | ||
| Average total assets | $114,432,099,000 | 28 |
| Average earning assets | $106,001,115,600 | 29 |
| Average equity | $17,507,913,400 | 19 |
| Average total loans | $94,481,174,200 | 16 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4394% | 9 |
| Cost of funding earning assets | 2.0277% | 12 |
| Net interest margin | 11.4118% | 12 |
| Noninterest income to average assets | 2.9408% | 189 |
| Noninterest expense to average assets | 6.0282% | 129 |
| Loan and lease loss provision to assets | 7.9729% | 3 |
| Net operating income to assets | -0.4409% | 4,891 |
| Return on assets (ROA) | -0.4411% | 4,897 |
| Pretax return on assets | -0.4644% | 4,890 |
| Return on Equity (ROE) | -2.9786% | 4,884 |
| Retained earnings to average equity (ytd only) | -2.9786% | 4,773 |
| Net charge-offs to loans | 4.5896% | 16 |
| Credit loss provision to net charge-offs | 211.0480% | 2,067 |
| Earnings coverage of net charge-offs (x) | 1.9876% | 3,028 |
| Efficiency ratio | 44.4206% | 4,775 |
| Assets per employee ($millions) | 4.1741% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.2540% | 8 |
| Loan loss allowance to noncurrent loans | 961.3621% | 606 |
| Noncurrent assets plus other real estate owned to assets | 1.0109% | 1,094 |
| Noncurrent loans to loans | 1.2746% | 1,170 |
| Net loans and leases to total assets | 69.5915% | 2,017 |
| Net loans and leases to deposits | 110.4157% | 219 |
| Net loans and leases to core deposits | 1,069.1155% | 10 |
| Total domestic deposits to total assets | 62.8973% | 4,903 |
| Equity capital to assets | 15.4687% | 544 |
| Core capital (leverage) ratio | 16.1868% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2786% | 558 |
| Memoranda: | ||
| Average total assets | $115,943,061,750 | 27 |
| Average earning assets | $107,654,530,250 | 28 |
| Average equity | $17,171,291,250 | 20 |
| Average total loans | $95,433,776,250 | 15 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7117% | 11 |
| Cost of funding earning assets | 2.2215% | 7 |
| Net interest margin | 11.4902% | 11 |
| Noninterest income to average assets | 2.8717% | 172 |
| Noninterest expense to average assets | 6.1855% | 128 |
| Loan and lease loss provision to assets | 10.6292% | 1 |
| Net operating income to assets | -2.1563% | 5,018 |
| Return on assets (ROA) | -2.1564% | 5,020 |
| Pretax return on assets | -3.2532% | 5,032 |
| Return on Equity (ROE) | -14.7688% | 5,015 |
| Retained earnings to average equity (ytd only) | -14.7688% | 4,979 |
| Net charge-offs to loans | 4.9626% | 18 |
| Credit loss provision to net charge-offs | 257.2409% | 1,732 |
| Earnings coverage of net charge-offs (x) | 1.7851% | 2,826 |
| Efficiency ratio | 45.4545% | 4,755 |
| Assets per employee ($millions) | 4.1460% | 4,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.2906% | 8 |
| Loan loss allowance to noncurrent loans | 716.9035% | 726 |
| Noncurrent assets plus other real estate owned to assets | 1.3865% | 710 |
| Noncurrent loans to loans | 1.7144% | 839 |
| Net loans and leases to total assets | 70.9317% | 1,886 |
| Net loans and leases to deposits | 109.9250% | 233 |
| Net loans and leases to core deposits | 2,056.3981% | 6 |
| Total domestic deposits to total assets | 64.4002% | 4,910 |
| Equity capital to assets | 14.8311% | 655 |
| Core capital (leverage) ratio | 15.2610% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1039% | 660 |
| Memoranda: | ||
| Average total assets | $117,365,927,000 | 27 |
| Average earning assets | $109,190,637,667 | 27 |
| Average equity | $17,136,869,333 | 20 |
| Average total loans | $97,721,975,000 | 14 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3413% | 12 |
| Cost of funding earning assets | 2.4451% | 4 |
| Net interest margin | 11.8962% | 12 |
| Noninterest income to average assets | 2.7904% | 168 |
| Noninterest expense to average assets | 6.5592% | 137 |
| Loan and lease loss provision to assets | 11.2397% | 5 |
| Net operating income to assets | -2.7784% | 5,070 |
| Return on assets (ROA) | -2.7785% | 5,058 |
| Pretax return on assets | -3.9017% | 5,069 |
| Return on Equity (ROE) | -19.1677% | 5,055 |
| Retained earnings to average equity (ytd only) | -19.1677% | 4,954 |
| Net charge-offs to loans | 5.1813% | 21 |
| Credit loss provision to net charge-offs | 257.1115% | 1,267 |
| Earnings coverage of net charge-offs (x) | 1.6789% | 2,356 |
| Efficiency ratio | 46.9836% | 4,795 |
| Assets per employee ($millions) | 4.4749% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4377% | 11 |
| Loan loss allowance to noncurrent loans | 449.1604% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 1.7638% | 531 |
| Noncurrent loans to loans | 2.1012% | 651 |
| Net loans and leases to total assets | 76.0219% | 1,302 |
| Net loans and leases to deposits | 117.3724% | 102 |
| Net loans and leases to core deposits | 2,028.5225% | 6 |
| Total domestic deposits to total assets | 64.6599% | 4,983 |
| Equity capital to assets | 14.3265% | 951 |
| Core capital (leverage) ratio | 14.1626% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1257% | 964 |
| Memoranda: | ||
| Average total assets | $120,699,150,500 | 26 |
| Average earning assets | $112,691,530,000 | 25 |
| Average equity | $17,496,328,500 | 16 |
| Average total loans | $101,820,903,500 | 13 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5510% | 12 |
| Cost of funding earning assets | 2.7657% | 3 |
| Net interest margin | 11.7853% | 15 |
| Noninterest income to average assets | 2.9503% | 153 |
| Noninterest expense to average assets | 6.6656% | 118 |
| Loan and lease loss provision to assets | 3.8106% | 13 |
| Net operating income to assets | 2.7424% | 99 |
| Return on assets (ROA) | 2.7491% | 102 |
| Pretax return on assets | 3.4683% | 80 |
| Return on Equity (ROE) | 19.1559% | 261 |
| Retained earnings to average equity (ytd only) | 6.4321% | 1,646 |
| Net charge-offs to loans | 4.7244% | 16 |
| Credit loss provision to net charge-offs | 96.7603% | 2,560 |
| Earnings coverage of net charge-offs (x) | 1.8461% | 3,485 |
| Efficiency ratio | 47.5493% | 4,853 |
| Assets per employee ($millions) | 4.9977% | 2,601 |
| Cash dividends to net income (ytd only)* | 66.4226% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6732% | 40 |
| Loan loss allowance to noncurrent loans | 248.0955% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 1.5963% | 608 |
| Noncurrent loans to loans | 1.8836% | 697 |
| Net loans and leases to total assets | 80.7876% | 695 |
| Net loans and leases to deposits | 122.7678% | 70 |
| Net loans and leases to core deposits | 1,199.3796% | 6 |
| Total domestic deposits to total assets | 65.6984% | 5,029 |
| Equity capital to assets | 14.6545% | 882 |
| Core capital (leverage) ratio | 14.8276% | 723 |
| Tier 1 risk-based capital ratio | 16.0961% | 2,371 |
| Total risk-based capital ratio | 18.0992% | 2,045 |
| Memoranda: | ||
| Average total assets | $120,482,377,600 | 25 |
| Average earning assets | $112,309,037,800 | 24 |
| Average equity | $17,290,336,800 | 16 |
| Average total loans | $100,434,381,400 | 13 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5956% | 11 |
| Cost of funding earning assets | 2.8453% | 3 |
| Net interest margin | 11.7503% | 15 |
| Noninterest income to average assets | 2.9582% | 157 |
| Noninterest expense to average assets | 6.6622% | 121 |
| Loan and lease loss provision to assets | 3.7446% | 15 |
| Net operating income to assets | 2.7539% | 111 |
| Return on assets (ROA) | 2.7629% | 115 |
| Pretax return on assets | 3.5012% | 80 |
| Return on Equity (ROE) | 19.3594% | 292 |
| Retained earnings to average equity (ytd only) | 2.1526% | 4,219 |
| Net charge-offs to loans | 4.7388% | 17 |
| Credit loss provision to net charge-offs | 95.2064% | 2,344 |
| Earnings coverage of net charge-offs (x) | 1.8393% | 3,248 |
| Efficiency ratio | 47.6582% | 4,871 |
| Assets per employee ($millions) | 4.4652% | 3,263 |
| Cash dividends to net income (ytd only)* | 88.8808% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8531% | 41 |
| Loan loss allowance to noncurrent loans | 276.9090% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 1.4721% | 770 |
| Noncurrent loans to loans | 1.7526% | 826 |
| Net loans and leases to total assets | 79.9209% | 855 |
| Net loans and leases to deposits | 123.5555% | 73 |
| Net loans and leases to core deposits | 1,529.8969% | 7 |
| Total domestic deposits to total assets | 64.5803% | 5,114 |
| Equity capital to assets | 14.4658% | 992 |
| Core capital (leverage) ratio | 14.1921% | 934 |
| Tier 1 risk-based capital ratio | 15.7909% | 2,519 |
| Total risk-based capital ratio | 17.8179% | 2,169 |
| Memoranda: | ||
| Average total assets | $119,446,301,750 | 27 |
| Average earning assets | $111,192,278,250 | 25 |
| Average equity | $17,047,069,500 | 17 |
| Average total loans | $99,138,305,500 | 14 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5659% | 9 |
| Cost of funding earning assets | 2.8683% | 3 |
| Net interest margin | 11.6976% | 15 |
| Noninterest income to average assets | 3.0694% | 147 |
| Noninterest expense to average assets | 6.5680% | 123 |
| Loan and lease loss provision to assets | 3.9607% | 14 |
| Net operating income to assets | 2.7907% | 108 |
| Return on assets (ROA) | 2.8047% | 112 |
| Pretax return on assets | 3.4415% | 89 |
| Return on Equity (ROE) | 19.7425% | 274 |
| Retained earnings to average equity (ytd only) | -2.1107% | 4,918 |
| Net charge-offs to loans | 4.9851% | 15 |
| Credit loss provision to net charge-offs | 96.1153% | 2,061 |
| Earnings coverage of net charge-offs (x) | 1.7921% | 2,991 |
| Efficiency ratio | 46.7910% | 4,955 |
| Assets per employee ($millions) | 4.6130% | 2,988 |
| Cash dividends to net income (ytd only)* | 110.6911% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0186% | 30 |
| Loan loss allowance to noncurrent loans | 319.3188% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 1.2997% | 979 |
| Noncurrent loans to loans | 1.5717% | 972 |
| Net loans and leases to total assets | 78.5473% | 1,113 |
| Net loans and leases to deposits | 121.5193% | 75 |
| Net loans and leases to core deposits | 1,174.1207% | 7 |
| Total domestic deposits to total assets | 64.5365% | 5,159 |
| Equity capital to assets | 14.0344% | 1,103 |
| Core capital (leverage) ratio | 13.9795% | 964 |
| Tier 1 risk-based capital ratio | 15.5343% | 2,616 |
| Total risk-based capital ratio | 17.5677% | 2,244 |
| Memoranda: | ||
| Average total assets | $119,179,009,670 | 27 |
| Average earning assets | $110,884,308,000 | 25 |
| Average equity | $16,931,133,000 | 17 |
| Average total loans | $98,515,954,330 | 14 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7242% | 9 |
| Cost of funding earning assets | 2.8637% | 3 |
| Net interest margin | 11.8605% | 10 |
| Noninterest income to average assets | 2.9983% | 144 |
| Noninterest expense to average assets | 6.4868% | 119 |
| Loan and lease loss provision to assets | 4.3098% | 11 |
| Net operating income to assets | 2.6819% | 124 |
| Return on assets (ROA) | 2.7047% | 128 |
| Pretax return on assets | 3.2631% | 105 |
| Return on Equity (ROE) | 18.9224% | 334 |
| Retained earnings to average equity (ytd only) | 9.4938% | 1,165 |
| Net charge-offs to loans | 5.0731% | 15 |
| Credit loss provision to net charge-offs | 102.7940% | 1,547 |
| Earnings coverage of net charge-offs (x) | 1.7997% | 2,556 |
| Efficiency ratio | 45.9493% | 5,032 |
| Assets per employee ($millions) | 4.7708% | 2,822 |
| Cash dividends to net income (ytd only)* | 49.8277% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3334% | 29 |
| Loan loss allowance to noncurrent loans | 280.0563% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 1.5608% | 750 |
| Noncurrent loans to loans | 1.9044% | 797 |
| Net loans and leases to total assets | 77.5893% | 1,220 |
| Net loans and leases to deposits | 129.6233% | 44 |
| Net loans and leases to core deposits | 1,246.0862% | 8 |
| Total domestic deposits to total assets | 59.7563% | 5,278 |
| Equity capital to assets | 14.7323% | 814 |
| Core capital (leverage) ratio | 14.4562% | 826 |
| Tier 1 risk-based capital ratio | 16.4074% | 2,300 |
| Total risk-based capital ratio | 18.4589% | 1,985 |
| Memoranda: | ||
| Average total assets | $118,722,936,000 | 28 |
| Average earning assets | $110,448,582,000 | 26 |
| Average equity | $16,969,680,000 | 18 |
| Average total loans | $98,117,713,500 | 14 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.2886% | 9 |
| Cost of funding earning assets | 2.5326% | 3 |
| Net interest margin | 11.7560% | 12 |
| Noninterest income to average assets | 2.8724% | 161 |
| Noninterest expense to average assets | 6.4833% | 117 |
| Loan and lease loss provision to assets | 3.8706% | 16 |
| Net operating income to assets | 2.8848% | 93 |
| Return on assets (ROA) | 2.8214% | 100 |
| Pretax return on assets | 3.3411% | 73 |
| Return on Equity (ROE) | 20.8077% | 213 |
| Retained earnings to average equity (ytd only) | 9.8590% | 644 |
| Net charge-offs to loans | 4.7377% | 17 |
| Credit loss provision to net charge-offs | 99.8757% | 2,566 |
| Earnings coverage of net charge-offs (x) | 1.8804% | 3,580 |
| Efficiency ratio | 46.5985% | 5,099 |
| Assets per employee ($millions) | 5.0672% | 2,410 |
| Cash dividends to net income (ytd only)* | 52.6183% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0564% | 32 |
| Loan loss allowance to noncurrent loans | 259.6436% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 1.6224% | 692 |
| Noncurrent loans to loans | 1.9475% | 700 |
| Net loans and leases to total assets | 79.0963% | 1,078 |
| Net loans and leases to deposits | 126.7075% | 58 |
| Net loans and leases to core deposits | 1,171.0439% | 8 |
| Total domestic deposits to total assets | 62.3288% | 5,298 |
| Equity capital to assets | 13.8671% | 1,015 |
| Core capital (leverage) ratio | 14.0179% | 918 |
| Tier 1 risk-based capital ratio | 15.3416% | 2,682 |
| Total risk-based capital ratio | 17.5989% | 2,230 |
| Memoranda: | ||
| Average total assets | $117,879,007,800 | 26 |
| Average earning assets | $109,276,419,200 | 25 |
| Average equity | $15,983,728,000 | 20 |
| Average total loans | $96,424,174,800 | 13 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.2087% | 10 |
| Cost of funding earning assets | 2.4637% | 4 |
| Net interest margin | 11.7451% | 11 |
| Noninterest income to average assets | 2.8793% | 167 |
| Noninterest expense to average assets | 6.2088% | 127 |
| Loan and lease loss provision to assets | 3.7809% | 18 |
| Net operating income to assets | 2.9116% | 87 |
| Return on assets (ROA) | 2.8396% | 98 |
| Pretax return on assets | 3.6725% | 67 |
| Return on Equity (ROE) | 21.0643% | 207 |
| Retained earnings to average equity (ytd only) | 11.7848% | 511 |
| Net charge-offs to loans | 4.7374% | 21 |
| Credit loss provision to net charge-offs | 98.0308% | 2,323 |
| Earnings coverage of net charge-offs (x) | 1.9562% | 3,295 |
| Efficiency ratio | 44.6638% | 5,200 |
| Assets per employee ($millions) | 5.0980% | 2,338 |
| Cash dividends to net income (ytd only)* | 44.0533% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2296% | 34 |
| Loan loss allowance to noncurrent loans | 305.3038% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 1.3962% | 954 |
| Noncurrent loans to loans | 1.7129% | 909 |
| Net loans and leases to total assets | 77.2452% | 1,458 |
| Net loans and leases to deposits | 128.7718% | 56 |
| Net loans and leases to core deposits | 774.8177% | 8 |
| Total domestic deposits to total assets | 59.8856% | 5,395 |
| Equity capital to assets | 13.9512% | 974 |
| Core capital (leverage) ratio | 13.9840% | 941 |
| Tier 1 risk-based capital ratio | 15.6012% | 2,602 |
| Total risk-based capital ratio | 17.8828% | 2,175 |
| Memoranda: | ||
| Average total assets | $117,244,290,000 | 26 |
| Average earning assets | $108,548,891,250 | 25 |
| Average equity | $15,805,034,250 | 21 |
| Average total loans | $95,450,554,250 | 13 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9867% | 10 |
| Cost of funding earning assets | 2.3855% | 4 |
| Net interest margin | 11.6011% | 12 |
| Noninterest income to average assets | 2.8543% | 173 |
| Noninterest expense to average assets | 6.1264% | 133 |
| Loan and lease loss provision to assets | 4.0789% | 14 |
| Net operating income to assets | 2.5864% | 134 |
| Return on assets (ROA) | 2.5903% | 135 |
| Pretax return on assets | 3.3951% | 79 |
| Return on Equity (ROE) | 19.4430% | 301 |
| Retained earnings to average equity (ytd only) | 11.1036% | 644 |
| Net charge-offs to loans | 4.9778% | 18 |
| Credit loss provision to net charge-offs | 100.6924% | 2,007 |
| Earnings coverage of net charge-offs (x) | 1.8438% | 3,024 |
| Efficiency ratio | 44.5751% | 5,265 |
| Assets per employee ($millions) | 5.1376% | 2,250 |
| Cash dividends to net income (ytd only)* | 42.8917% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3731% | 32 |
| Loan loss allowance to noncurrent loans | 350.3391% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 1.2423% | 1,147 |
| Noncurrent loans to loans | 1.5337% | 1,089 |
| Net loans and leases to total assets | 76.6496% | 1,542 |
| Net loans and leases to deposits | 128.6875% | 51 |
| Net loans and leases to core deposits | 797.1260% | 10 |
| Total domestic deposits to total assets | 59.4633% | 5,454 |
| Equity capital to assets | 13.5389% | 1,088 |
| Core capital (leverage) ratio | 13.6494% | 1,015 |
| Tier 1 risk-based capital ratio | 15.2124% | 2,777 |
| Total risk-based capital ratio | 17.5584% | 2,268 |
| Memoranda: | ||
| Average total assets | $117,011,328,330 | 26 |
| Average earning assets | $108,338,631,000 | 25 |
| Average equity | $15,588,544,670 | 21 |
| Average total loans | $95,223,143,330 | 13 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.1834% | 9 |
| Cost of funding earning assets | 2.2728% | 4 |
| Net interest margin | 11.9107% | 10 |
| Noninterest income to average assets | 2.8272% | 168 |
| Noninterest expense to average assets | 6.3069% | 132 |
| Loan and lease loss provision to assets | 4.5282% | 12 |
| Net operating income to assets | 2.3711% | 182 |
| Return on assets (ROA) | 2.3790% | 182 |
| Pretax return on assets | 3.0208% | 112 |
| Return on Equity (ROE) | 18.0045% | 412 |
| Retained earnings to average equity (ytd only) | 18.0045% | 155 |
| Net charge-offs to loans | 5.1936% | 16 |
| Credit loss provision to net charge-offs | 106.8887% | 1,480 |
| Earnings coverage of net charge-offs (x) | 1.7796% | 2,522 |
| Efficiency ratio | 45.0717% | 5,316 |
| Assets per employee ($millions) | 5.2045% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5938% | 27 |
| Loan loss allowance to noncurrent loans | 307.1730% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 1.4812% | 950 |
| Noncurrent loans to loans | 1.8211% | 914 |
| Net loans and leases to total assets | 76.7877% | 1,413 |
| Net loans and leases to deposits | 129.1890% | 39 |
| Net loans and leases to core deposits | 846.4480% | 12 |
| Total domestic deposits to total assets | 59.3303% | 5,522 |
| Equity capital to assets | 13.8141% | 941 |
| Core capital (leverage) ratio | 13.2673% | 1,087 |
| Tier 1 risk-based capital ratio | 15.2460% | 2,767 |
| Total risk-based capital ratio | 17.6111% | 2,276 |
| Memoranda: | ||
| Average total assets | $116,827,053,000 | 26 |
| Average earning assets | $108,077,734,500 | 24 |
| Average equity | $15,436,874,000 | 22 |
| Average total loans | $95,294,731,500 | 13 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.8486% | 10 |
| Cost of funding earning assets | 1.9011% | 5 |
| Net interest margin | 11.9475% | 11 |
| Noninterest income to average assets | 2.6391% | 205 |
| Noninterest expense to average assets | 6.0880% | 145 |
| Loan and lease loss provision to assets | 4.8675% | 12 |
| Net operating income to assets | 0.8414% | 2,993 |
| Return on assets (ROA) | 0.8286% | 3,078 |
| Pretax return on assets | 2.6495% | 147 |
| Return on Equity (ROE) | 7.1716% | 3,195 |
| Retained earnings to average equity (ytd only) | 4.8662% | 2,212 |
| Net charge-offs to loans | 5.0478% | 15 |
| Credit loss provision to net charge-offs | 120.9035% | 2,159 |
| Earnings coverage of net charge-offs (x) | 1.8721% | 3,840 |
| Efficiency ratio | 43.9619% | 5,455 |
| Assets per employee ($millions) | 5.3743% | 2,081 |
| Cash dividends to net income (ytd only)* | 32.1465% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2224% | 32 |
| Loan loss allowance to noncurrent loans | 265.7796% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 1.6071% | 826 |
| Noncurrent loans to loans | 1.9649% | 783 |
| Net loans and leases to total assets | 77.5186% | 1,349 |
| Net loans and leases to deposits | 128.4889% | 53 |
| Net loans and leases to core deposits | 829.4715% | 11 |
| Total domestic deposits to total assets | 60.2294% | 5,584 |
| Equity capital to assets | 12.6402% | 1,434 |
| Core capital (leverage) ratio | 12.7378% | 1,247 |
| Tier 1 risk-based capital ratio | 14.2570% | 3,221 |
| Total risk-based capital ratio | 16.8889% | 2,508 |
| Memoranda: | ||
| Average total assets | $112,627,675,600 | 26 |
| Average earning assets | $103,563,354,800 | 26 |
| Average equity | $13,012,798,200 | 26 |
| Average total loans | $89,829,229,400 | 15 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.8067% | 10 |
| Cost of funding earning assets | 1.8077% | 5 |
| Net interest margin | 11.9990% | 11 |
| Noninterest income to average assets | 2.6132% | 220 |
| Noninterest expense to average assets | 6.0154% | 151 |
| Loan and lease loss provision to assets | 4.9560% | 14 |
| Net operating income to assets | 1.8782% | 407 |
| Return on assets (ROA) | 1.8575% | 430 |
| Pretax return on assets | 2.6288% | 173 |
| Return on Equity (ROE) | 16.4945% | 480 |
| Retained earnings to average equity (ytd only) | 13.2915% | 196 |
| Net charge-offs to loans | 5.0036% | 16 |
| Credit loss provision to net charge-offs | 125.0474% | 1,937 |
| Earnings coverage of net charge-offs (x) | 1.9211% | 3,531 |
| Efficiency ratio | 43.4034% | 5,501 |
| Assets per employee ($millions) | 5.2942% | 2,125 |
| Cash dividends to net income (ytd only)* | 19.4186% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3146% | 32 |
| Loan loss allowance to noncurrent loans | 293.0686% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 1,049 |
| Noncurrent loans to loans | 1.8134% | 982 |
| Net loans and leases to total assets | 76.2628% | 1,544 |
| Net loans and leases to deposits | 120.0048% | 104 |
| Net loans and leases to core deposits | 672.2255% | 13 |
| Total domestic deposits to total assets | 63.4496% | 5,622 |
| Equity capital to assets | 11.4038% | 2,462 |
| Core capital (leverage) ratio | 11.6964% | 1,889 |
| Tier 1 risk-based capital ratio | 12.8065% | 4,139 |
| Total risk-based capital ratio | 15.4723% | 3,242 |
| Memoranda: | ||
| Average total assets | $110,895,621,750 | 26 |
| Average earning assets | $101,812,451,000 | 26 |
| Average equity | $12,487,959,750 | 26 |
| Average total loans | $87,840,364,750 | 17 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7928% | 11 |
| Cost of funding earning assets | 1.6645% | 7 |
| Net interest margin | 12.1283% | 12 |
| Noninterest income to average assets | 2.4939% | 226 |
| Noninterest expense to average assets | 6.1242% | 153 |
| Loan and lease loss provision to assets | 5.1418% | 13 |
| Net operating income to assets | 1.6285% | 654 |
| Return on assets (ROA) | 1.6282% | 679 |
| Pretax return on assets | 2.3601% | 272 |
| Return on Equity (ROE) | 14.5243% | 733 |
| Retained earnings to average equity (ytd only) | 9.6158% | 672 |
| Net charge-offs to loans | 5.2866% | 20 |
| Credit loss provision to net charge-offs | 123.5292% | 1,752 |
| Earnings coverage of net charge-offs (x) | 1.8024% | 3,242 |
| Efficiency ratio | 44.1987% | 5,519 |
| Assets per employee ($millions) | 4.8160% | 2,624 |
| Cash dividends to net income (ytd only)* | 33.7948% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4396% | 32 |
| Loan loss allowance to noncurrent loans | 328.9717% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 1.3160% | 1,246 |
| Noncurrent loans to loans | 1.6535% | 1,112 |
| Net loans and leases to total assets | 75.2580% | 1,654 |
| Net loans and leases to deposits | 122.6613% | 72 |
| Net loans and leases to core deposits | 571.3486% | 16 |
| Total domestic deposits to total assets | 61.2491% | 5,692 |
| Equity capital to assets | 11.6161% | 2,218 |
| Core capital (leverage) ratio | 11.4527% | 2,001 |
| Tier 1 risk-based capital ratio | 13.1589% | 3,913 |
| Total risk-based capital ratio | 16.0061% | 2,964 |
| Memoranda: | ||
| Average total assets | $109,042,115,670 | 26 |
| Average earning assets | $100,090,514,330 | 26 |
| Average equity | $12,223,801,330 | 27 |
| Average total loans | $85,854,570,330 | 17 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7387% | 10 |
| Cost of funding earning assets | 1.5721% | 12 |
| Net interest margin | 12.1666% | 12 |
| Noninterest income to average assets | 2.4781% | 235 |
| Noninterest expense to average assets | 6.0905% | 159 |
| Loan and lease loss provision to assets | 5.7187% | 9 |
| Net operating income to assets | 1.2584% | 1,351 |
| Return on assets (ROA) | 1.2574% | 1,390 |
| Pretax return on assets | 1.8259% | 746 |
| Return on Equity (ROE) | 11.4208% | 1,430 |
| Retained earnings to average equity (ytd only) | 11.4208% | 543 |
| Net charge-offs to loans | 5.3397% | 19 |
| Credit loss provision to net charge-offs | 136.7524% | 1,273 |
| Earnings coverage of net charge-offs (x) | 1.8045% | 2,681 |
| Efficiency ratio | 43.9224% | 5,598 |
| Assets per employee ($millions) | 4.8936% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4508% | 36 |
| Loan loss allowance to noncurrent loans | 287.6253% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 1.4957% | 1,075 |
| Noncurrent loans to loans | 1.8951% | 958 |
| Net loans and leases to total assets | 74.6220% | 1,642 |
| Net loans and leases to deposits | 124.2046% | 62 |
| Net loans and leases to core deposits | 786.7786% | 13 |
| Total domestic deposits to total assets | 59.9765% | 5,769 |
| Equity capital to assets | 11.5625% | 2,143 |
| Core capital (leverage) ratio | 10.9409% | 2,421 |
| Tier 1 risk-based capital ratio | 13.1479% | 3,996 |
| Total risk-based capital ratio | 16.0302% | 2,996 |
| Memoranda: | ||
| Average total assets | $109,513,329,000 | 26 |
| Average earning assets | $100,438,486,000 | 26 |
| Average equity | $12,057,217,500 | 28 |
| Average total loans | $85,765,093,500 | 17 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4850% | 13 |
| Cost of funding earning assets | 1.3187% | 30 |
| Net interest margin | 12.1663% | 13 |
| Noninterest income to average assets | 2.9308% | 211 |
| Noninterest expense to average assets | 6.2232% | 152 |
| Loan and lease loss provision to assets | 4.2288% | 13 |
| Net operating income to assets | 2.4822% | 148 |
| Return on assets (ROA) | 2.4828% | 151 |
| Pretax return on assets | 3.6239% | 81 |
| Return on Equity (ROE) | 22.8410% | 122 |
| Retained earnings to average equity (ytd only) | 8.8049% | 627 |
| Net charge-offs to loans | 4.3037% | 18 |
| Credit loss provision to net charge-offs | 125.8060% | 2,126 |
| Earnings coverage of net charge-offs (x) | 2.3359% | 3,846 |
| Efficiency ratio | 43.0923% | 5,721 |
| Assets per employee ($millions) | 5.4189% | 1,936 |
| Cash dividends to net income (ytd only)* | 61.4513% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6937% | 49 |
| Loan loss allowance to noncurrent loans | 243.7301% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.4972% | 1,114 |
| Noncurrent loans to loans | 1.9258% | 955 |
| Net loans and leases to total assets | 74.0956% | 1,840 |
| Net loans and leases to deposits | 120.8235% | 84 |
| Net loans and leases to core deposits | 720.9115% | 15 |
| Total domestic deposits to total assets | 61.2340% | 5,817 |
| Equity capital to assets | 10.4927% | 3,164 |
| Core capital (leverage) ratio | 10.7521% | 2,590 |
| Tier 1 risk-based capital ratio | 12.0370% | 4,703 |
| Total risk-based capital ratio | 14.8078% | 3,642 |
| Memoranda: | ||
| Average total assets | $104,868,765,600 | 27 |
| Average earning assets | $96,059,465,800 | 26 |
| Average equity | $11,399,158,600 | 28 |
| Average total loans | $81,908,054,400 | 17 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4617% | 12 |
| Cost of funding earning assets | 1.2856% | 35 |
| Net interest margin | 12.1761% | 12 |
| Noninterest income to average assets | 3.0011% | 208 |
| Noninterest expense to average assets | 6.1837% | 160 |
| Loan and lease loss provision to assets | 4.2173% | 9 |
| Net operating income to assets | 2.5651% | 147 |
| Return on assets (ROA) | 2.5670% | 150 |
| Pretax return on assets | 3.7553% | 81 |
| Return on Equity (ROE) | 23.3925% | 113 |
| Retained earnings to average equity (ytd only) | 8.0275% | 1,155 |
| Net charge-offs to loans | 4.1350% | 20 |
| Credit loss provision to net charge-offs | 130.4148% | 1,970 |
| Earnings coverage of net charge-offs (x) | 2.4645% | 3,566 |
| Efficiency ratio | 42.5156% | 5,773 |
| Assets per employee ($millions) | 5.1636% | 2,169 |
| Cash dividends to net income (ytd only)* | 65.6835% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7578% | 46 |
| Loan loss allowance to noncurrent loans | 282.7625% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 1.3322% | 1,423 |
| Noncurrent loans to loans | 1.6826% | 1,252 |
| Net loans and leases to total assets | 75.4072% | 1,636 |
| Net loans and leases to deposits | 126.6190% | 64 |
| Net loans and leases to core deposits | 552.3549% | 15 |
| Total domestic deposits to total assets | 59.4499% | 5,895 |
| Equity capital to assets | 11.0802% | 2,933 |
| Core capital (leverage) ratio | 10.8045% | 2,682 |
| Tier 1 risk-based capital ratio | 12.4955% | 4,483 |
| Total risk-based capital ratio | 15.3528% | 3,427 |
| Memoranda: | ||
| Average total assets | $102,797,767,750 | 26 |
| Average earning assets | $94,154,597,750 | 25 |
| Average equity | $11,280,755,500 | 27 |
| Average total loans | $80,392,498,250 | 17 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.3625% | 12 |
| Cost of funding earning assets | 1.2410% | 44 |
| Net interest margin | 12.1215% | 12 |
| Noninterest income to average assets | 3.0688% | 194 |
| Noninterest expense to average assets | 6.3653% | 156 |
| Loan and lease loss provision to assets | 4.1313% | 12 |
| Net operating income to assets | 2.5274% | 147 |
| Return on assets (ROA) | 2.5290% | 149 |
| Pretax return on assets | 3.6548% | 84 |
| Return on Equity (ROE) | 23.1234% | 128 |
| Retained earnings to average equity (ytd only) | 3.3544% | 3,764 |
| Net charge-offs to loans | 4.2562% | 30 |
| Credit loss provision to net charge-offs | 124.6520% | 1,812 |
| Earnings coverage of net charge-offs (x) | 2.3486% | 3,291 |
| Efficiency ratio | 43.7629% | 5,819 |
| Assets per employee ($millions) | 5.2605% | 2,020 |
| Cash dividends to net income (ytd only)* | 85.4933% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4877% | 54 |
| Loan loss allowance to noncurrent loans | 316.9790% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 1.1136% | 1,897 |
| Noncurrent loans to loans | 1.4158% | 1,568 |
| Net loans and leases to total assets | 75.1303% | 1,628 |
| Net loans and leases to deposits | 124.7724% | 68 |
| Net loans and leases to core deposits | 577.1410% | 18 |
| Total domestic deposits to total assets | 60.1051% | 5,970 |
| Equity capital to assets | 10.8942% | 3,171 |
| Core capital (leverage) ratio | 10.7285% | 2,717 |
| Tier 1 risk-based capital ratio | 12.2739% | 4,663 |
| Total risk-based capital ratio | 15.2327% | 3,535 |
| Memoranda: | ||
| Average total assets | $101,753,582,000 | 26 |
| Average earning assets | $93,012,198,670 | 25 |
| Average equity | $11,128,559,330 | 27 |
| Average total loans | $79,233,517,000 | 17 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4162% | 12 |
| Cost of funding earning assets | 1.2100% | 53 |
| Net interest margin | 12.2062% | 12 |
| Noninterest income to average assets | 3.0504% | 199 |
| Noninterest expense to average assets | 6.4089% | 156 |
| Loan and lease loss provision to assets | 3.8798% | 13 |
| Net operating income to assets | 2.7354% | 116 |
| Return on assets (ROA) | 2.7353% | 116 |
| Pretax return on assets | 3.8939% | 80 |
| Return on Equity (ROE) | 24.9601% | 100 |
| Retained earnings to average equity (ytd only) | 3.2467% | 3,871 |
| Net charge-offs to loans | 4.3099% | 21 |
| Credit loss provision to net charge-offs | 116.2122% | 1,468 |
| Earnings coverage of net charge-offs (x) | 2.3285% | 2,700 |
| Efficiency ratio | 43.9187% | 5,877 |
| Assets per employee ($millions) | 5.3126% | 2,022 |
| Cash dividends to net income (ytd only)* | 86.9923% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3743% | 70 |
| Loan loss allowance to noncurrent loans | 275.3033% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 1.2353% | 1,759 |
| Noncurrent loans to loans | 1.5889% | 1,463 |
| Net loans and leases to total assets | 74.3456% | 1,679 |
| Net loans and leases to deposits | 124.9837% | 61 |
| Net loans and leases to core deposits | 533.1089% | 16 |
| Total domestic deposits to total assets | 59.3747% | 6,040 |
| Equity capital to assets | 11.2099% | 2,719 |
| Core capital (leverage) ratio | 10.7288% | 2,692 |
| Tier 1 risk-based capital ratio | 12.6171% | 4,509 |
| Total risk-based capital ratio | 15.6358% | 3,386 |
| Memoranda: | ||
| Average total assets | $100,862,036,000 | 26 |
| Average earning assets | $91,988,018,500 | 25 |
| Average equity | $11,053,095,000 | 27 |
| Average total loans | $78,129,147,000 | 19 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9077% | 12 |
| Cost of funding earning assets | 1.0195% | 156 |
| Net interest margin | 11.8882% | 12 |
| Noninterest income to average assets | 3.2853% | 185 |
| Noninterest expense to average assets | 6.6603% | 151 |
| Loan and lease loss provision to assets | 3.2127% | 11 |
| Net operating income to assets | 2.9762% | 91 |
| Return on assets (ROA) | 2.9767% | 90 |
| Pretax return on assets | 4.3009% | 67 |
| Return on Equity (ROE) | 28.3161% | 69 |
| Retained earnings to average equity (ytd only) | 23.7678% | 45 |
| Net charge-offs to loans | 3.4784% | 23 |
| Credit loss provision to net charge-offs | 120.5973% | 2,136 |
| Earnings coverage of net charge-offs (x) | 2.8202% | 3,819 |
| Efficiency ratio | 45.4719% | 5,944 |
| Assets per employee ($millions) | 5.6160% | 1,689 |
| Cash dividends to net income (ytd only)* | 16.0624% | 3,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1086% | 81 |
| Loan loss allowance to noncurrent loans | 246.6294% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 1,657 |
| Noncurrent loans to loans | 1.6659% | 1,366 |
| Net loans and leases to total assets | 74.0125% | 1,727 |
| Net loans and leases to deposits | 121.9465% | 87 |
| Net loans and leases to core deposits | 540.4366% | 15 |
| Total domestic deposits to total assets | 60.5903% | 6,086 |
| Equity capital to assets | 10.7138% | 3,117 |
| Core capital (leverage) ratio | 10.8427% | 2,571 |
| Tier 1 risk-based capital ratio | 12.2298% | 4,810 |
| Total risk-based capital ratio | 15.1576% | 3,691 |
| Memoranda: | ||
| Average total assets | $94,117,244,600 | 26 |
| Average earning assets | $86,197,201,400 | 26 |
| Average equity | $9,893,912,400 | 28 |
| Average total loans | $72,079,644,600 | 18 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8286% | 12 |
| Cost of funding earning assets | 1.0079% | 174 |
| Net interest margin | 11.8207% | 13 |
| Noninterest income to average assets | 3.2689% | 191 |
| Noninterest expense to average assets | 6.6929% | 158 |
| Loan and lease loss provision to assets | 3.0474% | 13 |
| Net operating income to assets | 2.9885% | 87 |
| Return on assets (ROA) | 2.9887% | 87 |
| Pretax return on assets | 4.3700% | 66 |
| Return on Equity (ROE) | 28.5819% | 67 |
| Retained earnings to average equity (ytd only) | 25.8131% | 40 |
| Net charge-offs to loans | 3.3521% | 29 |
| Credit loss provision to net charge-offs | 118.9643% | 2,002 |
| Earnings coverage of net charge-offs (x) | 2.8955% | 3,589 |
| Efficiency ratio | 45.8459% | 5,968 |
| Assets per employee ($millions) | 5.1127% | 2,158 |
| Cash dividends to net income (ytd only)* | 9.6874% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1072% | 87 |
| Loan loss allowance to noncurrent loans | 277.0929% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1455% | 2,077 |
| Noncurrent loans to loans | 1.4823% | 1,689 |
| Net loans and leases to total assets | 74.1074% | 1,716 |
| Net loans and leases to deposits | 123.8442% | 72 |
| Net loans and leases to core deposits | 508.6347% | 19 |
| Total domestic deposits to total assets | 59.7300% | 6,175 |
| Equity capital to assets | 10.9343% | 3,095 |
| Core capital (leverage) ratio | 10.7544% | 2,766 |
| Tier 1 risk-based capital ratio | 12.4628% | 4,784 |
| Total risk-based capital ratio | 15.4939% | 3,638 |
| Memoranda: | ||
| Average total assets | $92,103,539,500 | 27 |
| Average earning assets | $84,471,604,000 | 26 |
| Average equity | $9,630,768,500 | 29 |
| Average total loans | $70,384,524,500 | 18 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6706% | 14 |
| Cost of funding earning assets | 0.9947% | 184 |
| Net interest margin | 11.6759% | 15 |
| Noninterest income to average assets | 3.3180% | 191 |
| Noninterest expense to average assets | 6.7293% | 161 |
| Loan and lease loss provision to assets | 3.0531% | 13 |
| Net operating income to assets | 2.9319% | 93 |
| Return on assets (ROA) | 2.9301% | 95 |
| Pretax return on assets | 4.2475% | 74 |
| Return on Equity (ROE) | 28.4856% | 79 |
| Retained earnings to average equity (ytd only) | 24.1923% | 53 |
| Net charge-offs to loans | 3.4981% | 28 |
| Credit loss provision to net charge-offs | 114.6694% | 1,869 |
| Earnings coverage of net charge-offs (x) | 2.7430% | 3,293 |
| Efficiency ratio | 46.3203% | 6,026 |
| Assets per employee ($millions) | 4.9587% | 2,325 |
| Cash dividends to net income (ytd only)* | 15.0719% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0855% | 101 |
| Loan loss allowance to noncurrent loans | 315.8618% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.9926% | 2,543 |
| Noncurrent loans to loans | 1.2935% | 2,083 |
| Net loans and leases to total assets | 73.6044% | 1,727 |
| Net loans and leases to deposits | 122.0882% | 81 |
| Net loans and leases to core deposits | 454.2385% | 20 |
| Total domestic deposits to total assets | 60.1700% | 6,250 |
| Equity capital to assets | 10.5349% | 3,405 |
| Core capital (leverage) ratio | 10.5086% | 2,942 |
| Tier 1 risk-based capital ratio | 12.0529% | 5,106 |
| Total risk-based capital ratio | 15.2235% | 3,882 |
| Memoranda: | ||
| Average total assets | $90,573,966,000 | 27 |
| Average earning assets | $83,115,507,330 | 26 |
| Average equity | $9,316,803,000 | 29 |
| Average total loans | $68,937,607,000 | 18 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8702% | 13 |
| Cost of funding earning assets | 1.0005% | 184 |
| Net interest margin | 11.8697% | 14 |
| Noninterest income to average assets | 3.3151% | 197 |
| Noninterest expense to average assets | 6.7454% | 157 |
| Loan and lease loss provision to assets | 2.7302% | 20 |
| Net operating income to assets | 3.2420% | 79 |
| Return on assets (ROA) | 3.2362% | 82 |
| Pretax return on assets | 4.7231% | 64 |
| Return on Equity (ROE) | 31.8636% | 51 |
| Retained earnings to average equity (ytd only) | 31.8636% | 22 |
| Net charge-offs to loans | 3.5889% | 36 |
| Credit loss provision to net charge-offs | 100.3819% | 1,602 |
| Earnings coverage of net charge-offs (x) | 2.7435% | 2,705 |
| Efficiency ratio | 45.8888% | 6,108 |
| Assets per employee ($millions) | 4.8051% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1287% | 117 |
| Loan loss allowance to noncurrent loans | 273.7525% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 1.1417% | 2,349 |
| Noncurrent loans to loans | 1.5082% | 1,874 |
| Net loans and leases to total assets | 72.5732% | 1,719 |
| Net loans and leases to deposits | 117.0926% | 124 |
| Net loans and leases to core deposits | 427.0665% | 23 |
| Total domestic deposits to total assets | 61.8530% | 6,304 |
| Equity capital to assets | 10.7333% | 3,287 |
| Core capital (leverage) ratio | 10.2242% | 3,314 |
| Tier 1 risk-based capital ratio | 12.3565% | 5,008 |
| Total risk-based capital ratio | 15.6635% | 3,691 |
| Memoranda: | ||
| Average total assets | $89,191,785,500 | 27 |
| Average earning assets | $81,845,734,500 | 27 |
| Average equity | $9,058,646,000 | 29 |
| Average total loans | $67,592,682,500 | 19 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0535% | 14 |
| Cost of funding earning assets | 0.8102% | 619 |
| Net interest margin | 12.2433% | 15 |
| Noninterest income to average assets | 3.5483% | 160 |
| Noninterest expense to average assets | 6.7400% | 149 |
| Loan and lease loss provision to assets | 2.7641% | 18 |
| Net operating income to assets | 3.5439% | 69 |
| Return on assets (ROA) | 3.5503% | 70 |
| Pretax return on assets | 5.1966% | 51 |
| Return on Equity (ROE) | 35.2328% | 33 |
| Retained earnings to average equity (ytd only) | 5.9156% | 1,974 |
| Net charge-offs to loans | 3.5038% | 23 |
| Credit loss provision to net charge-offs | 103.8021% | 2,306 |
| Earnings coverage of net charge-offs (x) | 2.9860% | 4,010 |
| Efficiency ratio | 43.7749% | 6,326 |
| Assets per employee ($millions) | 5.2289% | 2,037 |
| Cash dividends to net income (ytd only)* | 83.2099% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0178% | 131 |
| Loan loss allowance to noncurrent loans | 251.3091% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2129% | 2,352 |
| Noncurrent loans to loans | 1.5987% | 1,829 |
| Net loans and leases to total assets | 72.8176% | 1,789 |
| Net loans and leases to deposits | 122.6746% | 77 |
| Net loans and leases to core deposits | 381.4922% | 23 |
| Total domestic deposits to total assets | 59.2311% | 6,410 |
| Equity capital to assets | 9.5981% | 4,591 |
| Core capital (leverage) ratio | 9.6374% | 4,048 |
| Tier 1 risk-based capital ratio | 11.3275% | 5,752 |
| Total risk-based capital ratio | 14.5724% | 4,456 |
| Memoranda: | ||
| Average total assets | $84,614,487,600 | 27 |
| Average earning assets | $77,010,675,400 | 27 |
| Average equity | $8,526,277,800 | 30 |
| Average total loans | $64,306,035,200 | 20 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0735% | 13 |
| Cost of funding earning assets | 0.7890% | 725 |
| Net interest margin | 12.2845% | 14 |
| Noninterest income to average assets | 3.5980% | 161 |
| Noninterest expense to average assets | 6.7216% | 145 |
| Loan and lease loss provision to assets | 2.5095% | 23 |
| Net operating income to assets | 3.7976% | 64 |
| Return on assets (ROA) | 3.8040% | 64 |
| Pretax return on assets | 5.5409% | 51 |
| Return on Equity (ROE) | 37.2681% | 34 |
| Retained earnings to average equity (ytd only) | 7.4092% | 1,615 |
| Net charge-offs to loans | 3.5256% | 21 |
| Credit loss provision to net charge-offs | 93.6141% | 2,363 |
| Earnings coverage of net charge-offs (x) | 2.9996% | 3,767 |
| Efficiency ratio | 43.3533% | 6,382 |
| Assets per employee ($millions) | 5.3438% | 1,866 |
| Cash dividends to net income (ytd only)* | 80.1192% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9526% | 165 |
| Loan loss allowance to noncurrent loans | 265.2727% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 2,723 |
| Noncurrent loans to loans | 1.4900% | 2,180 |
| Net loans and leases to total assets | 71.8067% | 1,882 |
| Net loans and leases to deposits | 170.4869% | 14 |
| Net loans and leases to core deposits | 366.2664% | 24 |
| Total domestic deposits to total assets | 41.9873% | 6,540 |
| Equity capital to assets | 9.9176% | 4,274 |
| Core capital (leverage) ratio | 9.8783% | 3,840 |
| Tier 1 risk-based capital ratio | 11.8936% | 5,558 |
| Total risk-based capital ratio | 15.2338% | 4,168 |
| Memoranda: | ||
| Average total assets | $83,104,924,250 | 28 |
| Average earning assets | $75,529,338,250 | 28 |
| Average equity | $8,482,618,000 | 31 |
| Average total loans | $63,188,955,000 | 21 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0824% | 13 |
| Cost of funding earning assets | 0.8243% | 632 |
| Net interest margin | 12.2581% | 14 |
| Noninterest income to average assets | 3.6040% | 155 |
| Noninterest expense to average assets | 6.8132% | 145 |
| Loan and lease loss provision to assets | 2.2391% | 30 |
| Net operating income to assets | 3.9089% | 63 |
| Return on assets (ROA) | 3.9111% | 65 |
| Pretax return on assets | 5.6697% | 51 |
| Return on Equity (ROE) | 37.9335% | 32 |
| Retained earnings to average equity (ytd only) | 37.9335% | 20 |
| Net charge-offs to loans | 3.8535% | 28 |
| Credit loss provision to net charge-offs | 75.9638% | 2,375 |
| Earnings coverage of net charge-offs (x) | 2.6821% | 3,490 |
| Efficiency ratio | 44.0185% | 6,420 |
| Assets per employee ($millions) | 5.3165% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8073% | 199 |
| Loan loss allowance to noncurrent loans | 278.2595% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 1.0244% | 3,022 |
| Noncurrent loans to loans | 1.3683% | 2,525 |
| Net loans and leases to total assets | 72.0165% | 1,741 |
| Net loans and leases to deposits | 170.3000% | 14 |
| Net loans and leases to core deposits | 328.5817% | 27 |
| Total domestic deposits to total assets | 42.1514% | 6,607 |
| Equity capital to assets | 9.9415% | 4,189 |
| Core capital (leverage) ratio | 10.1053% | 3,465 |
| Tier 1 risk-based capital ratio | 11.7046% | 5,690 |
| Total risk-based capital ratio | 15.1554% | 4,266 |
| Memoranda: | ||
| Average total assets | $81,673,864,670 | 28 |
| Average earning assets | $74,056,209,330 | 29 |
| Average equity | $8,420,879,000 | 31 |
| Average total loans | $62,471,829,330 | 21 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4923% | 12 |
| Cost of funding earning assets | 0.8503% | 584 |
| Net interest margin | 12.6420% | 12 |
| Noninterest income to average assets | 3.5005% | 162 |
| Noninterest expense to average assets | 6.8289% | 147 |
| Loan and lease loss provision to assets | 2.2458% | 31 |
| Net operating income to assets | 4.0829% | 62 |
| Return on assets (ROA) | 4.0883% | 64 |
| Pretax return on assets | 5.8760% | 48 |
| Return on Equity (ROE) | 38.9152% | 35 |
| Retained earnings to average equity (ytd only) | 38.9152% | 21 |
| Net charge-offs to loans | 4.0828% | 37 |
| Credit loss provision to net charge-offs | 71.1159% | 1,994 |
| Earnings coverage of net charge-offs (x) | 2.5694% | 2,850 |
| Efficiency ratio | 43.3725% | 6,512 |
| Assets per employee ($millions) | 4.9235% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1679% | 165 |
| Loan loss allowance to noncurrent loans | 255.6444% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 1.2544% | 2,766 |
| Noncurrent loans to loans | 1.6304% | 2,387 |
| Net loans and leases to total assets | 73.7342% | 1,310 |
| Net loans and leases to deposits | 162.8227% | 15 |
| Net loans and leases to core deposits | 318.1080% | 28 |
| Total domestic deposits to total assets | 45.1443% | 6,673 |
| Equity capital to assets | 11.0236% | 2,694 |
| Core capital (leverage) ratio | 10.5347% | 2,885 |
| Tier 1 risk-based capital ratio | 12.6922% | 5,192 |
| Total risk-based capital ratio | 16.2616% | 3,652 |
| Memoranda: | ||
| Average total assets | $80,119,458,500 | 28 |
| Average earning assets | $72,517,329,000 | 29 |
| Average equity | $8,416,977,500 | 31 |
| Average total loans | $61,970,636,500 | 21 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6456% | 14 |
| Cost of funding earning assets | 0.9821% | 492 |
| Net interest margin | 12.6635% | 14 |
| Noninterest income to average assets | 3.8050% | 172 |
| Noninterest expense to average assets | 7.4939% | 127 |
| Loan and lease loss provision to assets | 2.8159% | 19 |
| Net operating income to assets | 3.4663% | 81 |
| Return on assets (ROA) | 3.4612% | 81 |
| Pretax return on assets | 4.9732% | 55 |
| Return on Equity (ROE) | 32.9663% | 52 |
| Retained earnings to average equity (ytd only) | 0.7275% | 5,508 |
| Net charge-offs to loans | 4.2862% | 33 |
| Credit loss provision to net charge-offs | 83.6792% | 2,934 |
| Earnings coverage of net charge-offs (x) | 2.3168% | 4,237 |
| Efficiency ratio | 46.4823% | 6,536 |
| Assets per employee ($millions) | 4.9748% | 2,206 |
| Cash dividends to net income (ytd only)* | 97.7931% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2455% | 171 |
| Loan loss allowance to noncurrent loans | 238.8739% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 1.3816% | 2,677 |
| Noncurrent loans to loans | 1.7773% | 2,264 |
| Net loans and leases to total assets | 74.4364% | 1,286 |
| Net loans and leases to deposits | 165.6544% | 13 |
| Net loans and leases to core deposits | 329.5844% | 28 |
| Total domestic deposits to total assets | 44.7988% | 6,754 |
| Equity capital to assets | 10.0101% | 3,760 |
| Core capital (leverage) ratio | 10.2612% | 3,205 |
| Tier 1 risk-based capital ratio | 11.5215% | 5,895 |
| Total risk-based capital ratio | 14.9526% | 4,464 |
| Memoranda: | ||
| Average total assets | $79,768,360,400 | 28 |
| Average earning assets | $72,345,252,200 | 27 |
| Average equity | $8,374,999,400 | 31 |
| Average total loans | $62,626,390,600 | 19 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6817% | 14 |
| Cost of funding earning assets | 1.0214% | 443 |
| Net interest margin | 12.6602% | 15 |
| Noninterest income to average assets | 3.8425% | 183 |
| Noninterest expense to average assets | 7.4113% | 133 |
| Loan and lease loss provision to assets | 2.7730% | 19 |
| Net operating income to assets | 3.6024% | 73 |
| Return on assets (ROA) | 3.5948% | 72 |
| Pretax return on assets | 5.1484% | 54 |
| Return on Equity (ROE) | 33.8315% | 47 |
| Retained earnings to average equity (ytd only) | 33.8315% | 24 |
| Net charge-offs to loans | 4.3750% | 29 |
| Credit loss provision to net charge-offs | 80.5270% | 2,836 |
| Earnings coverage of net charge-offs (x) | 2.3035% | 4,072 |
| Efficiency ratio | 45.7174% | 6,601 |
| Assets per employee ($millions) | 5.2826% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4478% | 170 |
| Loan loss allowance to noncurrent loans | 264.1748% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 1.3267% | 2,985 |
| Noncurrent loans to loans | 1.6837% | 2,664 |
| Net loans and leases to total assets | 75.2916% | 1,104 |
| Net loans and leases to deposits | 149.4497% | 17 |
| Net loans and leases to core deposits | 300.5094% | 31 |
| Total domestic deposits to total assets | 50.2362% | 6,828 |
| Equity capital to assets | 10.6712% | 3,100 |
| Core capital (leverage) ratio | 10.5701% | 2,927 |
| Tier 1 risk-based capital ratio | 12.2097% | 5,639 |
| Total risk-based capital ratio | 15.7244% | 4,045 |
| Memoranda: | ||
| Average total assets | $79,234,057,000 | 28 |
| Average earning assets | $71,978,224,750 | 27 |
| Average equity | $8,419,051,750 | 31 |
| Average total loans | $62,365,304,750 | 19 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.6226% | 13 |
| Cost of funding earning assets | 1.0574% | 412 |
| Net interest margin | 12.5652% | 14 |
| Noninterest income to average assets | 3.8095% | 194 |
| Noninterest expense to average assets | 7.1916% | 143 |
| Loan and lease loss provision to assets | 2.7902% | 28 |
| Net operating income to assets | 3.6572% | 76 |
| Return on assets (ROA) | 3.6516% | 79 |
| Pretax return on assets | 5.2363% | 56 |
| Return on Equity (ROE) | 34.4146% | 50 |
| Retained earnings to average equity (ytd only) | 34.4146% | 25 |
| Net charge-offs to loans | 4.6334% | 39 |
| Credit loss provision to net charge-offs | 76.5357% | 2,697 |
| Earnings coverage of net charge-offs (x) | 2.2038% | 3,794 |
| Efficiency ratio | 44.5875% | 6,693 |
| Assets per employee ($millions) | 5.2618% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5431% | 170 |
| Loan loss allowance to noncurrent loans | 281.3020% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 1.2597% | 3,242 |
| Noncurrent loans to loans | 1.6150% | 2,890 |
| Net loans and leases to total assets | 74.4528% | 1,183 |
| Net loans and leases to deposits | 144.9016% | 22 |
| Net loans and leases to core deposits | 298.2662% | 33 |
| Total domestic deposits to total assets | 51.2451% | 6,876 |
| Equity capital to assets | 10.5592% | 3,228 |
| Core capital (leverage) ratio | 10.3959% | 2,992 |
| Tier 1 risk-based capital ratio | 12.0564% | 5,765 |
| Total risk-based capital ratio | 15.5707% | 4,161 |
| Memoranda: | ||
| Average total assets | $79,517,545,670 | 29 |
| Average earning assets | $72,248,147,000 | 27 |
| Average equity | $8,437,234,670 | 31 |
| Average total loans | $62,565,960,000 | 18 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5966% | 12 |
| Cost of funding earning assets | 1.1103% | 358 |
| Net interest margin | 12.4863% | 15 |
| Noninterest income to average assets | 3.7696% | 198 |
| Noninterest expense to average assets | 7.0061% | 151 |
| Loan and lease loss provision to assets | 2.8265% | 32 |
| Net operating income to assets | 3.6849% | 72 |
| Return on assets (ROA) | 3.6747% | 77 |
| Pretax return on assets | 5.2641% | 59 |
| Return on Equity (ROE) | 34.5505% | 54 |
| Retained earnings to average equity (ytd only) | 34.5505% | 32 |
| Net charge-offs to loans | 4.7117% | 52 |
| Credit loss provision to net charge-offs | 75.9170% | 2,216 |
| Earnings coverage of net charge-offs (x) | 2.1769% | 3,108 |
| Efficiency ratio | 43.6626% | 6,786 |
| Assets per employee ($millions) | 5.4437% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8396% | 149 |
| Loan loss allowance to noncurrent loans | 259.2087% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 1.4425% | 3,094 |
| Noncurrent loans to loans | 1.8671% | 2,776 |
| Net loans and leases to total assets | 73.5221% | 1,141 |
| Net loans and leases to deposits | 143.7570% | 25 |
| Net loans and leases to core deposits | 297.1575% | 32 |
| Total domestic deposits to total assets | 51.0014% | 6,949 |
| Equity capital to assets | 10.7153% | 3,302 |
| Core capital (leverage) ratio | 10.1631% | 3,195 |
| Tier 1 risk-based capital ratio | 11.9093% | 5,971 |
| Total risk-based capital ratio | 15.4259% | 4,344 |
| Memoranda: | ||
| Average total assets | $79,888,958,500 | 28 |
| Average earning assets | $72,564,808,500 | 27 |
| Average equity | $8,496,851,500 | 30 |
| Average total loans | $63,128,287,000 | 18 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.8328% | 12 |
| Cost of funding earning assets | 1.2638% | 431 |
| Net interest margin | 12.5690% | 14 |
| Noninterest income to average assets | 3.6934% | 199 |
| Noninterest expense to average assets | 7.6341% | 123 |
| Loan and lease loss provision to assets | 3.8885% | 17 |
| Net operating income to assets | 2.5900% | 138 |
| Return on assets (ROA) | 2.5903% | 150 |
| Pretax return on assets | 3.6857% | 90 |
| Return on Equity (ROE) | 24.2419% | 148 |
| Retained earnings to average equity (ytd only) | 24.2419% | 35 |
| Net charge-offs to loans | 4.0446% | 70 |
| Credit loss provision to net charge-offs | 118.0524% | 2,436 |
| Earnings coverage of net charge-offs (x) | 2.2993% | 4,270 |
| Efficiency ratio | 48.1193% | 6,705 |
| Assets per employee ($millions) | 5.4841% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8514% | 144 |
| Loan loss allowance to noncurrent loans | 247.6842% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 1.5816% | 3,015 |
| Noncurrent loans to loans | 1.9587% | 2,736 |
| Net loans and leases to total assets | 76.8305% | 814 |
| Net loans and leases to deposits | 150.5016% | 22 |
| Net loans and leases to core deposits | 314.0218% | 34 |
| Total domestic deposits to total assets | 50.9128% | 7,012 |
| Equity capital to assets | 10.5578% | 3,455 |
| Core capital (leverage) ratio | 10.4332% | 2,845 |
| Tier 1 risk-based capital ratio | 11.3244% | 6,200 |
| Total risk-based capital ratio | 14.7388% | 4,717 |
| Memoranda: | ||
| Average total assets | $75,385,015,000 | 27 |
| Average earning assets | $69,059,604,400 | 28 |
| Average equity | $8,054,960,800 | 30 |
| Average total loans | $61,391,357,200 | 19 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7830% | 12 |
| Cost of funding earning assets | 1.2802% | 484 |
| Net interest margin | 12.5028% | 14 |
| Noninterest income to average assets | 3.6421% | 197 |
| Noninterest expense to average assets | 7.7332% | 116 |
| Loan and lease loss provision to assets | 3.9040% | 19 |
| Net operating income to assets | 2.4809% | 181 |
| Return on assets (ROA) | 2.4768% | 198 |
| Pretax return on assets | 3.4873% | 103 |
| Return on Equity (ROE) | 23.1050% | 190 |
| Retained earnings to average equity (ytd only) | 23.1050% | 57 |
| Net charge-offs to loans | 3.8878% | 95 |
| Credit loss provision to net charge-offs | 123.0211% | 2,350 |
| Earnings coverage of net charge-offs (x) | 2.3309% | 4,111 |
| Efficiency ratio | 49.2812% | 6,642 |
| Assets per employee ($millions) | 5.6169% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8534% | 160 |
| Loan loss allowance to noncurrent loans | 271.8767% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 1.4744% | 3,391 |
| Noncurrent loans to loans | 1.7852% | 3,098 |
| Net loans and leases to total assets | 78.5825% | 666 |
| Net loans and leases to deposits | 144.0139% | 25 |
| Net loans and leases to core deposits | 307.4582% | 36 |
| Total domestic deposits to total assets | 54.4273% | 7,096 |
| Equity capital to assets | 11.3679% | 2,883 |
| Core capital (leverage) ratio | 10.8479% | 2,548 |
| Tier 1 risk-based capital ratio | 11.9633% | 5,956 |
| Total risk-based capital ratio | 15.4192% | 4,367 |
| Memoranda: | ||
| Average total assets | $74,081,463,750 | 28 |
| Average earning assets | $68,068,283,500 | 28 |
| Average equity | $7,941,324,750 | 31 |
| Average total loans | $60,468,657,750 | 19 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.3195% | 13 |
| Cost of funding earning assets | 1.2422% | 677 |
| Net interest margin | 12.0772% | 14 |
| Noninterest income to average assets | 3.4219% | 214 |
| Noninterest expense to average assets | 7.8454% | 117 |
| Loan and lease loss provision to assets | 3.8549% | 29 |
| Net operating income to assets | 2.0608% | 357 |
| Return on assets (ROA) | 2.0579% | 400 |
| Pretax return on assets | 2.8530% | 183 |
| Return on Equity (ROE) | 19.6196% | 377 |
| Retained earnings to average equity (ytd only) | 19.6196% | 113 |
| Net charge-offs to loans | 3.9991% | 108 |
| Credit loss provision to net charge-offs | 118.5960% | 2,323 |
| Earnings coverage of net charge-offs (x) | 2.0649% | 3,957 |
| Efficiency ratio | 52.6294% | 6,451 |
| Assets per employee ($millions) | 5.8820% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5675% | 219 |
| Loan loss allowance to noncurrent loans | 289.5135% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 1.2903% | 3,846 |
| Noncurrent loans to loans | 1.5776% | 3,541 |
| Net loans and leases to total assets | 78.0491% | 714 |
| Net loans and leases to deposits | 139.9828% | 28 |
| Net loans and leases to core deposits | 298.6125% | 36 |
| Total domestic deposits to total assets | 55.6269% | 7,163 |
| Equity capital to assets | 10.4074% | 3,798 |
| Core capital (leverage) ratio | 10.2095% | 3,132 |
| Tier 1 risk-based capital ratio | 11.0403% | 6,475 |
| Total risk-based capital ratio | 14.4997% | 4,975 |
| Memoranda: | ||
| Average total assets | $72,856,911,670 | 28 |
| Average earning assets | $67,174,378,670 | 29 |
| Average equity | $7,642,069,000 | 31 |
| Average total loans | $59,218,645,330 | 19 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5263% | 14 |
| Cost of funding earning assets | 1.2756% | 698 |
| Net interest margin | 12.2506% | 14 |
| Noninterest income to average assets | 3.2923% | 210 |
| Noninterest expense to average assets | 7.6935% | 122 |
| Loan and lease loss provision to assets | 2.4971% | 102 |
| Net operating income to assets | 3.1613% | 92 |
| Return on assets (ROA) | 3.1474% | 109 |
| Pretax return on assets | 4.4253% | 68 |
| Return on Equity (ROE) | 29.8764% | 105 |
| Retained earnings to average equity (ytd only) | 29.8764% | 56 |
| Net charge-offs to loans | 4.2361% | 134 |
| Credit loss provision to net charge-offs | 72.7757% | 2,864 |
| Earnings coverage of net charge-offs (x) | 2.0232% | 3,335 |
| Efficiency ratio | 52.3717% | 6,503 |
| Assets per employee ($millions) | 6.5264% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5634% | 240 |
| Loan loss allowance to noncurrent loans | 256.7356% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 1.4262% | 3,725 |
| Noncurrent loans to loans | 1.7775% | 3,441 |
| Net loans and leases to total assets | 76.5773% | 739 |
| Net loans and leases to deposits | 153.1092% | 20 |
| Net loans and leases to core deposits | 218.3703% | 47 |
| Total domestic deposits to total assets | 49.8571% | 7,243 |
| Equity capital to assets | 11.1109% | 2,791 |
| Core capital (leverage) ratio | 10.9232% | 2,322 |
| Tier 1 risk-based capital ratio | 12.5141% | 5,589 |
| Total risk-based capital ratio | 16.4602% | 3,577 |
| Memoranda: | ||
| Average total assets | $70,255,194,500 | 28 |
| Average earning assets | $65,051,188,500 | 31 |
| Average equity | $7,401,092,000 | 31 |
| Average total loans | $56,907,313,000 | 20 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.3717% | 15 |
| Cost of funding earning assets | 1.5527% | 575 |
| Net interest margin | 11.8189% | 15 |
| Noninterest income to average assets | 3.7465% | 168 |
| Noninterest expense to average assets | 7.1213% | 137 |
| Loan and lease loss provision to assets | 2.4935% | 180 |
| Net operating income to assets | 3.4394% | 66 |
| Return on assets (ROA) | 3.4716% | 66 |
| Pretax return on assets | 5.0584% | 58 |
| Return on Equity (ROE) | 34.9577% | 25 |
| Retained earnings to average equity (ytd only) | 17.1685% | 80 |
| Net charge-offs to loans | 4.9686% | 84 |
| Credit loss provision to net charge-offs | 62.6400% | 5,101 |
| Earnings coverage of net charge-offs (x) | 1.8854% | 4,367 |
| Efficiency ratio | 48.4678% | 6,921 |
| Assets per employee ($millions) | 7.1530% | 675 |
| Cash dividends to net income (ytd only)* | 50.8878% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6343% | 233 |
| Loan loss allowance to noncurrent loans | 244.7919% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 1.5475% | 3,627 |
| Noncurrent loans to loans | 1.8931% | 3,351 |
| Net loans and leases to total assets | 77.9562% | 715 |
| Net loans and leases to deposits | 137.0383% | 43 |
| Net loans and leases to core deposits | 187.0165% | 69 |
| Total domestic deposits to total assets | 56.7424% | 7,260 |
| Equity capital to assets | 9.9721% | 4,201 |
| Core capital (leverage) ratio | 10.2346% | 3,050 |
| Tier 1 risk-based capital ratio | 11.1598% | 6,366 |
| Total risk-based capital ratio | 15.0294% | 4,458 |
| Memoranda: | ||
| Average total assets | $70,756,289,000 | 27 |
| Average earning assets | $65,134,167,600 | 26 |
| Average equity | $7,026,744,600 | 31 |
| Average total loans | $56,687,113,400 | 18 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4602% | 16 |
| Cost of funding earning assets | 1.6230% | 527 |
| Net interest margin | 11.8373% | 16 |
| Noninterest income to average assets | 3.7043% | 171 |
| Noninterest expense to average assets | 6.8511% | 145 |
| Loan and lease loss provision to assets | 2.2413% | 224 |
| Net operating income to assets | 3.8181% | 61 |
| Return on assets (ROA) | 3.8636% | 61 |
| Pretax return on assets | 5.5545% | 55 |
| Return on Equity (ROE) | 38.9454% | 23 |
| Retained earnings to average equity (ytd only) | 38.9454% | 14 |
| Net charge-offs to loans | 5.1877% | 91 |
| Credit loss provision to net charge-offs | 54.2052% | 4,945 |
| Earnings coverage of net charge-offs (x) | 1.8696% | 4,261 |
| Efficiency ratio | 46.7558% | 7,025 |
| Assets per employee ($millions) | 7.3677% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9124% | 200 |
| Loan loss allowance to noncurrent loans | 268.5644% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 1.4789% | 3,900 |
| Noncurrent loans to loans | 1.8291% | 3,601 |
| Net loans and leases to total assets | 76.8795% | 857 |
| Net loans and leases to deposits | 142.2333% | 35 |
| Net loans and leases to core deposits | 208.2192% | 62 |
| Total domestic deposits to total assets | 53.9693% | 7,346 |
| Equity capital to assets | 11.5654% | 2,626 |
| Core capital (leverage) ratio | 11.3227% | 2,146 |
| Tier 1 risk-based capital ratio | 13.0259% | 5,079 |
| Total risk-based capital ratio | 17.0026% | 3,213 |
| Memoranda: | ||
| Average total assets | $70,668,291,000 | 27 |
| Average earning assets | $64,938,175,000 | 25 |
| Average equity | $7,010,681,500 | 31 |
| Average total loans | $56,327,115,500 | 18 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.1398% | 18 |
| Cost of funding earning assets | 1.6908% | 482 |
| Net interest margin | 11.4490% | 18 |
| Noninterest income to average assets | 3.6457% | 185 |
| Noninterest expense to average assets | 6.7812% | 152 |
| Loan and lease loss provision to assets | 2.0080% | 304 |
| Net operating income to assets | 3.8571% | 66 |
| Return on assets (ROA) | 3.8511% | 69 |
| Pretax return on assets | 5.3609% | 63 |
| Return on Equity (ROE) | 41.0102% | 34 |
| Retained earnings to average equity (ytd only) | 41.0102% | 21 |
| Net charge-offs to loans | 5.5832% | 101 |
| Credit loss provision to net charge-offs | 45.3323% | 4,699 |
| Earnings coverage of net charge-offs (x) | 1.6654% | 4,043 |
| Efficiency ratio | 47.6574% | 7,077 |
| Assets per employee ($millions) | 8.0332% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1632% | 169 |
| Loan loss allowance to noncurrent loans | 292.5222% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4092% | 4,104 |
| Noncurrent loans to loans | 1.7651% | 3,802 |
| Net loans and leases to total assets | 75.7181% | 1,120 |
| Net loans and leases to deposits | 144.0942% | 36 |
| Net loans and leases to core deposits | 210.1161% | 68 |
| Total domestic deposits to total assets | 52.4659% | 7,419 |
| Equity capital to assets | 10.4981% | 3,505 |
| Core capital (leverage) ratio | 10.1832% | 3,048 |
| Tier 1 risk-based capital ratio | 11.8382% | 5,907 |
| Total risk-based capital ratio | 15.7857% | 3,735 |
| Memoranda: | ||
| Average total assets | $71,264,203,000 | 27 |
| Average earning assets | $65,436,122,330 | 26 |
| Average equity | $6,692,135,670 | 31 |
| Average total loans | $56,539,224,000 | 19 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.2787% | 18 |
| Cost of funding earning assets | 1.7751% | 413 |
| Net interest margin | 11.5036% | 20 |
| Noninterest income to average assets | 3.7117% | 177 |
| Noninterest expense to average assets | 6.3955% | 174 |
| Loan and lease loss provision to assets | 2.4544% | 205 |
| Net operating income to assets | 4.0992% | 71 |
| Return on assets (ROA) | 4.0937% | 74 |
| Pretax return on assets | 5.4000% | 69 |
| Return on Equity (ROE) | 46.2798% | 37 |
| Retained earnings to average equity (ytd only) | 46.2798% | 30 |
| Net charge-offs to loans | 5.9889% | 113 |
| Credit loss provision to net charge-offs | 51.8183% | 3,716 |
| Earnings coverage of net charge-offs (x) | 1.6597% | 3,479 |
| Efficiency ratio | 44.6200% | 7,262 |
| Assets per employee ($millions) | 8.5631% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9948% | 103 |
| Loan loss allowance to noncurrent loans | 295.3458% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 1.5999% | 3,850 |
| Noncurrent loans to loans | 2.0297% | 3,533 |
| Net loans and leases to total assets | 74.0971% | 1,327 |
| Net loans and leases to deposits | 164.2699% | 25 |
| Net loans and leases to core deposits | 247.7111% | 56 |
| Total domestic deposits to total assets | 45.0296% | 7,498 |
| Equity capital to assets | 9.4753% | 4,473 |
| Core capital (leverage) ratio | 9.1848% | 4,317 |
| Tier 1 risk-based capital ratio | 10.6848% | 6,696 |
| Total risk-based capital ratio | 14.7773% | 4,373 |
| Memoranda: | ||
| Average total assets | $71,642,823,000 | 26 |
| Average earning assets | $65,674,788,500 | 26 |
| Average equity | $6,337,266,500 | 31 |
| Average total loans | $56,662,320,500 | 18 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2561% | 11 |
| Cost of funding earning assets | 2.4088% | 146 |
| Net interest margin | 12.8473% | 15 |
| Noninterest income to average assets | 4.1837% | 159 |
| Noninterest expense to average assets | 6.1075% | 222 |
| Loan and lease loss provision to assets | 4.6929% | 92 |
| Net operating income to assets | 3.4363% | 54 |
| Return on assets (ROA) | 3.4820% | 52 |
| Pretax return on assets | 4.9477% | 50 |
| Return on Equity (ROE) | 41.3912% | 19 |
| Retained earnings to average equity (ytd only) | 19.5766% | 62 |
| Net charge-offs to loans | 10.1163% | 15 |
| Credit loss provision to net charge-offs | 61.4660% | 6,061 |
| Earnings coverage of net charge-offs (x) | 1.2541% | 4,851 |
| Efficiency ratio | 38.9443% | 7,519 |
| Assets per employee ($millions) | 9.8787% | 257 |
| Cash dividends to net income (ytd only)* | 52.7036% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5521% | 76 |
| Loan loss allowance to noncurrent loans | 283.6582% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 1.8329% | 3,587 |
| Noncurrent loans to loans | 2.3098% | 3,211 |
| Net loans and leases to total assets | 74.1543% | 1,627 |
| Net loans and leases to deposits | 173.9398% | 29 |
| Net loans and leases to core deposits | 275.1504% | 52 |
| Total domestic deposits to total assets | 42.5593% | 7,576 |
| Equity capital to assets | 8.2257% | 6,234 |
| Core capital (leverage) ratio | 8.2857% | 5,702 |
| Tier 1 risk-based capital ratio | 13.4954% | 4,208 |
| Total risk-based capital ratio | 23.5738% | 1,111 |
| Memoranda: | ||
| Average total assets | $65,389,462,400 | 28 |
| Average earning assets | $58,526,115,400 | 28 |
| Average equity | $5,500,889,200 | 34 |
| Average total loans | $49,350,826,400 | 21 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.1276% | 11 |
| Cost of funding earning assets | 2.5963% | 101 |
| Net interest margin | 13.5314% | 14 |
| Noninterest income to average assets | 4.3273% | 162 |
| Noninterest expense to average assets | 6.2066% | 207 |
| Loan and lease loss provision to assets | 5.2817% | 75 |
| Net operating income to assets | 3.4490% | 54 |
| Return on assets (ROA) | 3.5142% | 57 |
| Pretax return on assets | 4.9357% | 52 |
| Return on Equity (ROE) | 41.5117% | 22 |
| Retained earnings to average equity (ytd only) | 11.8351% | 479 |
| Net charge-offs to loans | 11.2904% | 15 |
| Credit loss provision to net charge-offs | 62.9006% | 5,620 |
| Earnings coverage of net charge-offs (x) | 1.2059% | 4,857 |
| Efficiency ratio | 38.0021% | 7,611 |
| Assets per employee ($millions) | 10.0146% | 259 |
| Cash dividends to net income (ytd only)* | 71.4898% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3767% | 51 |
| Loan loss allowance to noncurrent loans | 304.6552% | 963 |
| Noncurrent assets plus other real estate owned to assets | 1.9068% | 3,602 |
| Noncurrent loans to loans | 2.4213% | 3,209 |
| Net loans and leases to total assets | 72.9414% | 2,025 |
| Net loans and leases to deposits | 180.6134% | 26 |
| Net loans and leases to core deposits | 303.2765% | 47 |
| Total domestic deposits to total assets | 40.3164% | 7,684 |
| Equity capital to assets | 7.4172% | 7,173 |
| Core capital (leverage) ratio | 7.4836% | 6,857 |
| Tier 1 risk-based capital ratio | 12.8825% | 4,664 |
| Total risk-based capital ratio | 23.5324% | 1,136 |
| Memoranda: | ||
| Average total assets | $63,686,062,000 | 29 |
| Average earning assets | $56,501,455,250 | 29 |
| Average equity | $5,391,306,500 | 34 |
| Average total loans | $47,364,606,250 | 22 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.3250% | 10 |
| Cost of funding earning assets | 2.8264% | 55 |
| Net interest margin | 14.4987% | 12 |
| Noninterest income to average assets | 4.6024% | 150 |
| Noninterest expense to average assets | 6.4295% | 182 |
| Loan and lease loss provision to assets | 6.3977% | 68 |
| Net operating income to assets | 3.1861% | 73 |
| Return on assets (ROA) | 3.2941% | 67 |
| Pretax return on assets | 4.6721% | 59 |
| Return on Equity (ROE) | 37.0997% | 27 |
| Retained earnings to average equity (ytd only) | 37.0997% | 14 |
| Net charge-offs to loans | 12.9603% | 15 |
| Credit loss provision to net charge-offs | 67.9522% | 5,022 |
| Earnings coverage of net charge-offs (x) | 1.1596% | 4,637 |
| Efficiency ratio | 37.0639% | 7,684 |
| Assets per employee ($millions) | 10.0397% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2775% | 33 |
| Loan loss allowance to noncurrent loans | 307.5443% | 948 |
| Noncurrent assets plus other real estate owned to assets | 2.1525% | 3,315 |
| Noncurrent loans to loans | 2.6915% | 2,959 |
| Net loans and leases to total assets | 73.3529% | 2,072 |
| Net loans and leases to deposits | 189.6422% | 26 |
| Net loans and leases to core deposits | 340.0381% | 45 |
| Total domestic deposits to total assets | 38.6143% | 7,758 |
| Equity capital to assets | 8.1345% | 6,617 |
| Core capital (leverage) ratio | 7.9515% | 6,323 |
| Tier 1 risk-based capital ratio | 14.1304% | 3,647 |
| Total risk-based capital ratio | 28.2609% | 684 |
| Memoranda: | ||
| Average total assets | $60,893,139,670 | 30 |
| Average earning assets | $53,526,270,330 | 31 |
| Average equity | $5,406,677,670 | 32 |
| Average total loans | $44,235,648,670 | 23 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.7358% | 6 |
| Cost of funding earning assets | 3.2762% | 28 |
| Net interest margin | 16.4597% | 7 |
| Noninterest income to average assets | 5.1845% | 137 |
| Noninterest expense to average assets | 6.6998% | 163 |
| Loan and lease loss provision to assets | 8.3877% | 51 |
| Net operating income to assets | 3.1931% | 81 |
| Return on assets (ROA) | 3.4290% | 67 |
| Pretax return on assets | 4.7185% | 65 |
| Return on Equity (ROE) | 36.6444% | 45 |
| Retained earnings to average equity (ytd only) | 36.6444% | 36 |
| Net charge-offs to loans | 16.2542% | 16 |
| Credit loss provision to net charge-offs | 75.9611% | 3,976 |
| Earnings coverage of net charge-offs (x) | 1.1577% | 4,071 |
| Efficiency ratio | 34.3882% | 7,810 |
| Assets per employee ($millions) | 10.5392% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9844% | 30 |
| Loan loss allowance to noncurrent loans | 294.5802% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 2.4324% | 2,986 |
| Noncurrent loans to loans | 3.0499% | 2,627 |
| Net loans and leases to total assets | 72.5880% | 2,302 |
| Net loans and leases to deposits | 196.6563% | 29 |
| Net loans and leases to core deposits | 360.2107% | 45 |
| Total domestic deposits to total assets | 36.8461% | 7,862 |
| Equity capital to assets | 7.2057% | 7,279 |
| Core capital (leverage) ratio | 6.5160% | 7,462 |
| Tier 1 risk-based capital ratio | 14.1202% | 3,586 |
| Total risk-based capital ratio | 28.2405% | 693 |
| Memoranda: | ||
| Average total assets | $55,598,302,500 | 33 |
| Average earning assets | $48,297,573,000 | 34 |
| Average equity | $5,202,646,000 | 33 |
| Average total loans | $37,770,133,000 | 28 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5123% | 34 |
| Cost of funding earning assets | 3.0880% | 180 |
| Net interest margin | 7.4243% | 43 |
| Noninterest income to average assets | 10.2978% | 68 |
| Noninterest expense to average assets | 9.2270% | 108 |
| Loan and lease loss provision to assets | 4.1475% | 305 |
| Net operating income to assets | 2.1620% | 161 |
| Return on assets (ROA) | 2.1857% | 166 |
| Pretax return on assets | 3.1034% | 89 |
| Return on Equity (ROE) | 18.5898% | 329 |
| Retained earnings to average equity (ytd only) | 7.8430% | 740 |
| Net charge-offs to loans | 8.7013% | 58 |
| Credit loss provision to net charge-offs | 80.4022% | 6,270 |
| Earnings coverage of net charge-offs (x) | 1.3989% | 4,732 |
| Efficiency ratio | 56.1141% | 7,003 |
| Assets per employee ($millions) | 5.3904% | 1,753 |
| Cash dividends to net income (ytd only)* | 57.8104% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5358% | 34 |
| Loan loss allowance to noncurrent loans | 258.2443% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 1.4927% | 4,145 |
| Noncurrent loans to loans | 3.3053% | 2,311 |
| Net loans and leases to total assets | 41.3047% | 7,283 |
| Net loans and leases to deposits | 59.1973% | 6,692 |
| Net loans and leases to core deposits | 66.7273% | 6,945 |
| Total domestic deposits to total assets | 69.6571% | 7,452 |
| Equity capital to assets | 13.5040% | 1,321 |
| Core capital (leverage) ratio | 13.0286% | 1,247 |
| Tier 1 risk-based capital ratio | 18.2739% | 1,823 |
| Total risk-based capital ratio | 26.3953% | 807 |
| Memoranda: | ||
| Average total assets | $39,570,329,200 | 41 |
| Average earning assets | $32,754,264,400 | 43 |
| Average equity | $4,652,537,200 | 36 |
| Average total loans | $23,458,537,000 | 38 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2001% | 36 |
| Cost of funding earning assets | 3.1822% | 198 |
| Net interest margin | 7.0179% | 49 |
| Noninterest income to average assets | 9.7053% | 74 |
| Noninterest expense to average assets | 9.1313% | 118 |
| Loan and lease loss provision to assets | 4.9647% | 172 |
| Net operating income to assets | 1.1789% | 1,517 |
| Return on assets (ROA) | 1.2165% | 1,485 |
| Pretax return on assets | 1.5182% | 1,359 |
| Return on Equity (ROE) | 10.7247% | 1,699 |
| Retained earnings to average equity (ytd only) | 10.7247% | 507 |
| Net charge-offs to loans | 8.3998% | 75 |
| Credit loss provision to net charge-offs | 94.3565% | 5,358 |
| Earnings coverage of net charge-offs (x) | 1.2231% | 4,853 |
| Efficiency ratio | 58.6582% | 6,622 |
| Assets per employee ($millions) | 5.4593% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0604% | 32 |
| Loan loss allowance to noncurrent loans | 304.7172% | 996 |
| Noncurrent assets plus other real estate owned to assets | 1.4910% | 4,138 |
| Noncurrent loans to loans | 2.6452% | 2,859 |
| Net loans and leases to total assets | 51.8232% | 6,618 |
| Net loans and leases to deposits | 75.6971% | 5,097 |
| Net loans and leases to core deposits | 85.5302% | 5,914 |
| Total domestic deposits to total assets | 68.3505% | 7,543 |
| Equity capital to assets | 13.1015% | 1,655 |
| Core capital (leverage) ratio | 12.5008% | 1,582 |
| Tier 1 risk-based capital ratio | 16.0053% | 2,626 |
| Total risk-based capital ratio | 23.3808% | 1,192 |
| Memoranda: | ||
| Average total assets | $39,965,062,000 | 41 |
| Average earning assets | $33,380,334,750 | 42 |
| Average equity | $4,533,079,750 | 39 |
| Average total loans | $25,033,996,750 | 40 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7779% | 41 |
| Cost of funding earning assets | 3.2953% | 207 |
| Net interest margin | 6.4827% | 71 |
| Noninterest income to average assets | 8.8007% | 81 |
| Noninterest expense to average assets | 9.2787% | 124 |
| Loan and lease loss provision to assets | 5.0454% | 200 |
| Net operating income to assets | -0.0526% | 5,925 |
| Return on assets (ROA) | -0.0784% | 6,034 |
| Pretax return on assets | -0.0967% | 5,987 |
| Return on Equity (ROE) | -0.7275% | 6,034 |
| Retained earnings to average equity (ytd only) | -0.7275% | 5,407 |
| Net charge-offs to loans | 8.2513% | 98 |
| Credit loss provision to net charge-offs | 94.5595% | 4,788 |
| Earnings coverage of net charge-offs (x) | 0.9334% | 4,831 |
| Efficiency ratio | 65.0727% | 5,705 |
| Assets per employee ($millions) | 5.4950% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2850% | 70 |
| Loan loss allowance to noncurrent loans | 292.3988% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 1.5281% | 3,932 |
| Noncurrent loans to loans | 2.1494% | 3,313 |
| Net loans and leases to total assets | 66.6260% | 4,433 |
| Net loans and leases to deposits | 94.2296% | 2,055 |
| Net loans and leases to core deposits | 113.3101% | 2,987 |
| Total domestic deposits to total assets | 67.4296% | 7,655 |
| Equity capital to assets | 11.3043% | 2,680 |
| Core capital (leverage) ratio | 11.6727% | 1,991 |
| Tier 1 risk-based capital ratio | 13.6000% | 3,758 |
| Total risk-based capital ratio | 20.4835% | 1,686 |
| Memoranda: | ||
| Average total assets | $40,282,591,330 | 42 |
| Average earning assets | $33,916,497,670 | 43 |
| Average equity | $4,340,371,330 | 42 |
| Average total loans | $26,048,662,670 | 41 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6947% | 46 |
| Cost of funding earning assets | 3.5033% | 151 |
| Net interest margin | 6.1914% | 89 |
| Noninterest income to average assets | 8.9090% | 74 |
| Noninterest expense to average assets | 9.6473% | 122 |
| Loan and lease loss provision to assets | 6.6359% | 105 |
| Net operating income to assets | -1.3241% | 7,427 |
| Return on assets (ROA) | -1.3269% | 7,444 |
| Pretax return on assets | -2.2161% | 7,599 |
| Return on Equity (ROE) | -12.6250% | 7,503 |
| Retained earnings to average equity (ytd only) | -12.6250% | 7,300 |
| Net charge-offs to loans | 8.7647% | 77 |
| Credit loss provision to net charge-offs | 123.2138% | 3,214 |
| Earnings coverage of net charge-offs (x) | 0.8214% | 4,368 |
| Efficiency ratio | 68.5607% | 4,858 |
| Assets per employee ($millions) | 5.4413% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6592% | 34 |
| Loan loss allowance to noncurrent loans | 290.3883% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 1.7016% | 3,368 |
| Noncurrent loans to loans | 2.6376% | 2,491 |
| Net loans and leases to total assets | 59.5741% | 5,723 |
| Net loans and leases to deposits | 79.9390% | 4,624 |
| Net loans and leases to core deposits | 96.3030% | 4,927 |
| Total domestic deposits to total assets | 71.2112% | 7,307 |
| Equity capital to assets | 10.5355% | 3,430 |
| Core capital (leverage) ratio | 10.9879% | 2,507 |
| Tier 1 risk-based capital ratio | 13.2761% | 4,007 |
| Total risk-based capital ratio | 15.9977% | 3,118 |
| Memoranda: | ||
| Average total assets | $40,270,825,000 | 43 |
| Average earning assets | $33,576,461,500 | 44 |
| Average equity | $4,232,393,500 | 44 |
| Average total loans | $24,745,317,500 | 43 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3303% | 29 |
| Cost of funding earning assets | 4.1475% | 59 |
| Net interest margin | 8.1827% | 36 |
| Noninterest income to average assets | 16.7630% | 52 |
| Noninterest expense to average assets | 12.1223% | 107 |
| Loan and lease loss provision to assets | 6.1908% | 55 |
| Net operating income to assets | 3.3530% | 53 |
| Return on assets (ROA) | 3.3504% | 53 |
| Pretax return on assets | 5.2556% | 46 |
| Return on Equity (ROE) | 26.4629% | 106 |
| Retained earnings to average equity (ytd only) | -0.9136% | 5,570 |
| Net charge-offs to loans | 7.1474% | 38 |
| Credit loss provision to net charge-offs | 141.4321% | 3,752 |
| Earnings coverage of net charge-offs (x) | 2.6159% | 4,782 |
| Efficiency ratio | 51.4253% | 7,548 |
| Assets per employee ($millions) | 6.1467% | 1,061 |
| Cash dividends to net income (ytd only)* | 103.4522% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6956% | 24 |
| Loan loss allowance to noncurrent loans | 268.0275% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 1.6788% | 2,895 |
| Noncurrent loans to loans | 2.8712% | 1,880 |
| Net loans and leases to total assets | 53.9693% | 6,657 |
| Net loans and leases to deposits | 72.6460% | 5,987 |
| Net loans and leases to core deposits | 88.1778% | 5,960 |
| Total domestic deposits to total assets | 70.6389% | 7,210 |
| Equity capital to assets | 10.4849% | 3,520 |
| Core capital (leverage) ratio | 11.7879% | 2,082 |
| Tier 1 risk-based capital ratio | 13.0233% | 4,096 |
| Total risk-based capital ratio | 15.6537% | 3,256 |
| Memoranda: | ||
| Average total assets | $34,620,934,800 | 46 |
| Average earning assets | $28,811,726,400 | 48 |
| Average equity | $4,383,321,200 | 39 |
| Average total loans | $21,202,640,000 | 46 |