Home > Capital One > Performance and Condition Ratios
Capital One, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0787% | 72 |
| Cost of funding earning assets | 2.9329% | 163 |
| Net interest margin | 7.1457% | 55 |
| Noninterest income to average assets | 1.5600% | 373 |
| Noninterest expense to average assets | 4.3079% | 303 |
| Loan and lease loss provision to assets | 2.2400% | 25 |
| Net operating income to assets | 1.1204% | 1,858 |
| Return on assets (ROA) | 1.1239% | 1,823 |
| Pretax return on assets | 1.3867% | 1,665 |
| Return on Equity (ROE) | 10.3700% | 2,391 |
| Retained earnings to average equity (ytd only) | 3.8406% | 3,018 |
| Net charge-offs to loans | 2.6776% | 31 |
| Credit loss provision to net charge-offs | 124.6192% | 1,636 |
| Earnings coverage of net charge-offs (x) | 2.0057% | 2,728 |
| Efficiency ratio | 54.1330% | 3,671 |
| Assets per employee ($millions) | 8.2195% | 1,324 |
| Cash dividends to net income (ytd only)* | 62.9520% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7602% | 46 |
| Loan loss allowance to noncurrent loans | 271.5199% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 1.1931% | 366 |
| Noncurrent loans to loans | 1.7532% | 351 |
| Net loans and leases to total assets | 64.3400% | 2,430 |
| Net loans and leases to deposits | 81.7910% | 1,966 |
| Net loans and leases to core deposits | 90.0861% | 2,044 |
| Total domestic deposits to total assets | 78.6400% | 3,655 |
| Equity capital to assets | 11.1825% | 1,404 |
| Core capital (leverage) ratio | 10.3042% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3328% | 1,744 |
| Memoranda: | ||
| Average total assets | $466,421,434,400 | 9 |
| Average earning assets | $415,515,110,800 | 9 |
| Average equity | $50,568,002,600 | 8 |
| Average total loans | $314,222,897,400 | 8 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9178% | 70 |
| Cost of funding earning assets | 2.8063% | 156 |
| Net interest margin | 7.1114% | 53 |
| Noninterest income to average assets | 1.5400% | 380 |
| Noninterest expense to average assets | 4.1484% | 330 |
| Loan and lease loss provision to assets | 2.1700% | 30 |
| Net operating income to assets | 1.2629% | 1,625 |
| Return on assets (ROA) | 1.2729% | 1,595 |
| Pretax return on assets | 1.5586% | 1,448 |
| Return on Equity (ROE) | 11.8400% | 2,166 |
| Retained earnings to average equity (ytd only) | 4.3564% | 3,165 |
| Net charge-offs to loans | 2.5098% | 34 |
| Credit loss provision to net charge-offs | 129.6839% | 1,424 |
| Earnings coverage of net charge-offs (x) | 2.2023% | 2,494 |
| Efficiency ratio | 52.4991% | 3,717 |
| Assets per employee ($millions) | 7.8208% | 1,440 |
| Cash dividends to net income (ytd only)* | 63.1935% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7399% | 45 |
| Loan loss allowance to noncurrent loans | 295.9220% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 1.0869% | 451 |
| Noncurrent loans to loans | 1.6017% | 437 |
| Net loans and leases to total assets | 64.1200% | 2,432 |
| Net loans and leases to deposits | 80.4182% | 2,009 |
| Net loans and leases to core deposits | 88.4123% | 2,028 |
| Total domestic deposits to total assets | 79.7000% | 3,572 |
| Equity capital to assets | 10.4391% | 1,584 |
| Core capital (leverage) ratio | 10.3003% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4502% | 1,728 |
| Memoranda: | ||
| Average total assets | $464,119,633,250 | 9 |
| Average earning assets | $413,381,166,000 | 9 |
| Average equity | $49,913,198,750 | 8 |
| Average total loans | $312,447,301,000 | 8 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6447% | 69 |
| Cost of funding earning assets | 2.6086% | 157 |
| Net interest margin | 7.0361% | 52 |
| Noninterest income to average assets | 1.4800% | 333 |
| Noninterest expense to average assets | 4.1689% | 312 |
| Loan and lease loss provision to assets | 2.2900% | 22 |
| Net operating income to assets | 1.0734% | 2,198 |
| Return on assets (ROA) | 1.0930% | 2,137 |
| Pretax return on assets | 1.3241% | 2,006 |
| Return on Equity (ROE) | 10.0600% | 2,683 |
| Retained earnings to average equity (ytd only) | 2.3004% | 3,647 |
| Net charge-offs to loans | 2.4932% | 32 |
| Credit loss provision to net charge-offs | 136.6437% | 1,253 |
| Earnings coverage of net charge-offs (x) | 2.1362% | 2,321 |
| Efficiency ratio | 53.5621% | 3,651 |
| Assets per employee ($millions) | 7.6044% | 1,540 |
| Cash dividends to net income (ytd only)* | 77.1405% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6861% | 52 |
| Loan loss allowance to noncurrent loans | 329.6228% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 494 |
| Noncurrent loans to loans | 1.4216% | 487 |
| Net loans and leases to total assets | 64.0700% | 2,377 |
| Net loans and leases to deposits | 80.9597% | 1,907 |
| Net loans and leases to core deposits | 89.4773% | 1,828 |
| Total domestic deposits to total assets | 79.1100% | 3,707 |
| Equity capital to assets | 10.8094% | 1,459 |
| Core capital (leverage) ratio | 10.1696% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2779% | 1,794 |
| Memoranda: | ||
| Average total assets | $462,566,234,333 | 9 |
| Average earning assets | $412,484,620,000 | 9 |
| Average equity | $50,238,866,667 | 7 |
| Average total loans | $311,422,372,000 | 8 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4729% | 32 |
| Cost of funding earning assets | 2.3823% | 123 |
| Net interest margin | 7.0906% | 47 |
| Noninterest income to average assets | 1.4100% | 351 |
| Noninterest expense to average assets | 4.2498% | 311 |
| Loan and lease loss provision to assets | 2.4200% | 22 |
| Net operating income to assets | 0.8731% | 2,945 |
| Return on assets (ROA) | 0.8940% | 2,831 |
| Pretax return on assets | 1.0868% | 2,744 |
| Return on Equity (ROE) | 8.2100% | 3,241 |
| Retained earnings to average equity (ytd only) | -0.5482% | 4,092 |
| Net charge-offs to loans | 2.1833% | 40 |
| Credit loss provision to net charge-offs | 165.1157% | 912 |
| Earnings coverage of net charge-offs (x) | 2.3686% | 1,932 |
| Efficiency ratio | 54.7952% | 3,523 |
| Assets per employee ($millions) | 7.5896% | 1,568 |
| Cash dividends to net income (ytd only)* | 106.6757% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6307% | 47 |
| Loan loss allowance to noncurrent loans | 345.8610% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.8876% | 505 |
| Noncurrent loans to loans | 1.3389% | 495 |
| Net loans and leases to total assets | 62.8200% | 2,375 |
| Net loans and leases to deposits | 79.3189% | 1,866 |
| Net loans and leases to core deposits | 87.1590% | 1,794 |
| Total domestic deposits to total assets | 79.1700% | 3,881 |
| Equity capital to assets | 10.8441% | 1,403 |
| Core capital (leverage) ratio | 10.0999% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2011% | 1,909 |
| Memoranda: | ||
| Average total assets | $461,372,452,500 | 9 |
| Average earning assets | $411,271,003,000 | 9 |
| Average equity | $50,229,053,000 | 6 |
| Average total loans | $310,866,336,000 | 8 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9751% | 46 |
| Cost of funding earning assets | 0.8318% | 351 |
| Net interest margin | 6.1433% | 51 |
| Noninterest income to average assets | 1.4200% | 369 |
| Noninterest expense to average assets | 3.8046% | 381 |
| Loan and lease loss provision to assets | 1.1700% | 38 |
| Net operating income to assets | 1.5337% | 810 |
| Return on assets (ROA) | 1.5180% | 816 |
| Pretax return on assets | 1.9292% | 544 |
| Return on Equity (ROE) | 14.2400% | 1,479 |
| Retained earnings to average equity (ytd only) | 6.0656% | 2,618 |
| Net charge-offs to loans | 1.3395% | 53 |
| Credit loss provision to net charge-offs | 145.9813% | 1,319 |
| Earnings coverage of net charge-offs (x) | 3.9212% | 2,444 |
| Efficiency ratio | 54.7386% | 3,718 |
| Assets per employee ($millions) | 7.2269% | 1,801 |
| Cash dividends to net income (ytd only)* | 57.3907% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2363% | 56 |
| Loan loss allowance to noncurrent loans | 336.2871% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8739% | 520 |
| Noncurrent loans to loans | 1.2597% | 548 |
| Net loans and leases to total assets | 66.0200% | 2,040 |
| Net loans and leases to deposits | 84.2881% | 1,446 |
| Net loans and leases to core deposits | 91.2182% | 1,443 |
| Total domestic deposits to total assets | 78.3000% | 4,063 |
| Equity capital to assets | 10.9312% | 1,287 |
| Core capital (leverage) ratio | 10.5293% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3559% | 1,831 |
| Memoranda: | ||
| Average total assets | $499,326,068,200 | 8 |
| Average earning assets | $447,453,554,400 | 8 |
| Average equity | $53,244,737,600 | 6 |
| Average total loans | $296,625,353,400 | 8 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 995 |
| Cost of funding earning assets | 0.5862% | 467 |
| Net interest margin | 3.5505% | 1,521 |
| Noninterest income to average assets | 2.1100% | 254 |
| Noninterest expense to average assets | 3.8423% | 363 |
| Loan and lease loss provision to assets | 0.4200% | 130 |
| Net operating income to assets | 0.8152% | 3,187 |
| Return on assets (ROA) | 0.7842% | 3,268 |
| Pretax return on assets | 0.9778% | 3,084 |
| Return on Equity (ROE) | 8.0700% | 3,308 |
| Retained earnings to average equity (ytd only) | 6.4772% | 2,560 |
| Net charge-offs to loans | 0.4962% | 131 |
| Credit loss provision to net charge-offs | 164.2203% | 1,081 |
| Earnings coverage of net charge-offs (x) | 5.9381% | 2,128 |
| Efficiency ratio | 72.4490% | 1,452 |
| Assets per employee ($millions) | 11.9206% | 395 |
| Cash dividends to net income (ytd only)* | 19.7850% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1232% | 391 |
| Loan loss allowance to noncurrent loans | 293.2805% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 1,444 |
| Noncurrent loans to loans | 0.7239% | 1,126 |
| Net loans and leases to total assets | 49.1100% | 3,521 |
| Net loans and leases to deposits | 59.7411% | 3,219 |
| Net loans and leases to core deposits | 62.3596% | 3,223 |
| Total domestic deposits to total assets | 82.2000% | 3,810 |
| Equity capital to assets | 8.8077% | 2,344 |
| Core capital (leverage) ratio | 7.3417% | 4,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3185% | 2,715 |
| Memoranda: | ||
| Average total assets | $386,708,945,500 | 11 |
| Average earning assets | $345,404,302,000 | 11 |
| Average equity | $37,555,547,750 | 10 |
| Average total loans | $189,031,579,500 | 8 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 1,182 |
| Cost of funding earning assets | 0.3673% | 1,127 |
| Net interest margin | 3.4965% | 1,321 |
| Noninterest income to average assets | 2.0860% | 220 |
| Noninterest expense to average assets | 3.7384% | 341 |
| Loan and lease loss provision to assets | 0.3780% | 153 |
| Net operating income to assets | 0.8852% | 2,646 |
| Return on assets (ROA) | 0.8479% | 2,764 |
| Pretax return on assets | 1.0471% | 2,578 |
| Return on Equity (ROE) | 8.4638% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.4638% | 1,453 |
| Net charge-offs to loans | 0.4467% | 156 |
| Credit loss provision to net charge-offs | 158.3748% | 1,071 |
| Earnings coverage of net charge-offs (x) | 6.7987% | 1,878 |
| Efficiency ratio | 71.4925% | 1,774 |
| Assets per employee ($millions) | 12.0253% | 376 |
| Cash dividends to net income (ytd only)* | 0.0001% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0509% | 500 |
| Loan loss allowance to noncurrent loans | 284.3228% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 1,502 |
| Noncurrent loans to loans | 0.7213% | 1,199 |
| Net loans and leases to total assets | 48.6210% | 3,496 |
| Net loans and leases to deposits | 60.1561% | 3,038 |
| Net loans and leases to core deposits | 61.5084% | 3,158 |
| Total domestic deposits to total assets | 80.8248% | 4,157 |
| Equity capital to assets | 9.5006% | 2,014 |
| Core capital (leverage) ratio | 7.5198% | 4,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3227% | 2,724 |
| Memoranda: | ||
| Average total assets | $385,010,198,667 | 11 |
| Average earning assets | $343,952,821,333 | 11 |
| Average equity | $38,570,999,667 | 10 |
| Average total loans | $186,516,868,667 | 8 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 1,203 |
| Cost of funding earning assets | 0.2993% | 1,667 |
| Net interest margin | 3.4367% | 1,217 |
| Noninterest income to average assets | 2.1018% | 225 |
| Noninterest expense to average assets | 3.7292% | 338 |
| Loan and lease loss provision to assets | 0.1950% | 373 |
| Net operating income to assets | 1.0315% | 1,754 |
| Return on assets (ROA) | 1.0090% | 1,839 |
| Pretax return on assets | 1.2264% | 1,713 |
| Return on Equity (ROE) | 9.8150% | 2,040 |
| Retained earnings to average equity (ytd only) | 9.8150% | 1,069 |
| Net charge-offs to loans | 0.4484% | 152 |
| Credit loss provision to net charge-offs | 77.0731% | 1,119 |
| Earnings coverage of net charge-offs (x) | 6.7536% | 1,561 |
| Efficiency ratio | 71.7535% | 2,009 |
| Assets per employee ($millions) | 12.1874% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9956% | 621 |
| Loan loss allowance to noncurrent loans | 260.4411% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 1,610 |
| Noncurrent loans to loans | 0.7662% | 1,246 |
| Net loans and leases to total assets | 46.7053% | 3,516 |
| Net loans and leases to deposits | 56.6144% | 3,205 |
| Net loans and leases to core deposits | 57.5011% | 3,350 |
| Total domestic deposits to total assets | 82.4972% | 4,019 |
| Equity capital to assets | 9.9540% | 1,929 |
| Core capital (leverage) ratio | 7.4715% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4538% | 2,786 |
| Memoranda: | ||
| Average total assets | $383,295,422,500 | 11 |
| Average earning assets | $343,087,606,000 | 11 |
| Average equity | $39,404,425,000 | 10 |
| Average total loans | $183,366,336,000 | 8 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8453% | 1,754 |
| Cost of funding earning assets | 0.3259% | 2,155 |
| Net interest margin | 3.5194% | 1,675 |
| Noninterest income to average assets | 1.8861% | 346 |
| Noninterest expense to average assets | 3.6298% | 413 |
| Loan and lease loss provision to assets | -0.2677% | 4,757 |
| Net operating income to assets | 1.3273% | 1,528 |
| Return on assets (ROA) | 1.3449% | 1,496 |
| Pretax return on assets | 1.7035% | 1,137 |
| Return on Equity (ROE) | 11.9423% | 1,839 |
| Retained earnings to average equity (ytd only) | 1.2965% | 4,173 |
| Net charge-offs to loans | 0.2554% | 354 |
| Credit loss provision to net charge-offs | -221.2708% | 3,539 |
| Earnings coverage of net charge-offs (x) | 12.0540% | 2,130 |
| Efficiency ratio | 71.8428% | 1,528 |
| Assets per employee ($millions) | 12.0447% | 392 |
| Cash dividends to net income (ytd only)* | 89.1439% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0268% | 581 |
| Loan loss allowance to noncurrent loans | 274.4672% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 1,753 |
| Noncurrent loans to loans | 0.7384% | 1,374 |
| Net loans and leases to total assets | 47.0511% | 3,593 |
| Net loans and leases to deposits | 56.6174% | 3,370 |
| Net loans and leases to core deposits | 57.5341% | 3,511 |
| Total domestic deposits to total assets | 83.1036% | 3,786 |
| Equity capital to assets | 10.6103% | 2,083 |
| Core capital (leverage) ratio | 7.3732% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2462% | 2,825 |
| Memoranda: | ||
| Average total assets | $371,165,102,000 | 10 |
| Average earning assets | $332,930,405,600 | 11 |
| Average equity | $41,800,519,000 | 9 |
| Average total loans | $170,362,992,800 | 8 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8476% | 1,923 |
| Cost of funding earning assets | 0.3326% | 2,270 |
| Net interest margin | 3.5150% | 1,828 |
| Noninterest income to average assets | 1.8547% | 383 |
| Noninterest expense to average assets | 3.5396% | 440 |
| Loan and lease loss provision to assets | -0.3567% | 4,847 |
| Net operating income to assets | 1.4297% | 1,448 |
| Return on assets (ROA) | 1.4504% | 1,454 |
| Pretax return on assets | 1.8480% | 1,049 |
| Return on Equity (ROE) | 12.6890% | 1,804 |
| Retained earnings to average equity (ytd only) | 2.5634% | 4,039 |
| Net charge-offs to loans | 0.2067% | 401 |
| Credit loss provision to net charge-offs | -369.1027% | 3,560 |
| Earnings coverage of net charge-offs (x) | 15.6275% | 1,858 |
| Efficiency ratio | 70.6363% | 1,533 |
| Assets per employee ($millions) | 11.8156% | 390 |
| Cash dividends to net income (ytd only)* | 79.7980% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2206% | 444 |
| Loan loss allowance to noncurrent loans | 344.1766% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 2,151 |
| Noncurrent loans to loans | 0.6452% | 1,695 |
| Net loans and leases to total assets | 46.0846% | 3,785 |
| Net loans and leases to deposits | 56.1841% | 3,564 |
| Net loans and leases to core deposits | 57.2017% | 3,683 |
| Total domestic deposits to total assets | 82.0243% | 3,925 |
| Equity capital to assets | 11.1319% | 1,925 |
| Core capital (leverage) ratio | 7.5937% | 4,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9410% | 2,725 |
| Memoranda: | ||
| Average total assets | $368,631,426,500 | 10 |
| Average earning assets | $330,319,243,500 | 11 |
| Average equity | $42,136,388,500 | 9 |
| Average total loans | $167,174,472,500 | 8 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8279% | 1,999 |
| Cost of funding earning assets | 0.3413% | 2,390 |
| Net interest margin | 3.4866% | 1,895 |
| Noninterest income to average assets | 1.8053% | 390 |
| Noninterest expense to average assets | 3.4947% | 472 |
| Loan and lease loss provision to assets | -0.4849% | 4,903 |
| Net operating income to assets | 1.5132% | 1,259 |
| Return on assets (ROA) | 1.5331% | 1,270 |
| Pretax return on assets | 1.9514% | 915 |
| Return on Equity (ROE) | 13.2955% | 1,626 |
| Retained earnings to average equity (ytd only) | 7.6320% | 2,215 |
| Net charge-offs to loans | 0.2066% | 413 |
| Credit loss provision to net charge-offs | -505.4530% | 3,469 |
| Earnings coverage of net charge-offs (x) | 15.5857% | 1,632 |
| Efficiency ratio | 70.7103% | 1,556 |
| Assets per employee ($millions) | 11.7169% | 384 |
| Cash dividends to net income (ytd only)* | 42.5973% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4354% | 296 |
| Loan loss allowance to noncurrent loans | 334.1124% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.3564% | 2,171 |
| Noncurrent loans to loans | 0.7289% | 1,629 |
| Net loans and leases to total assets | 44.2326% | 4,028 |
| Net loans and leases to deposits | 53.1825% | 3,910 |
| Net loans and leases to core deposits | 54.3127% | 4,007 |
| Total domestic deposits to total assets | 83.1713% | 3,667 |
| Equity capital to assets | 11.5287% | 1,612 |
| Core capital (leverage) ratio | 7.8630% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8275% | 2,430 |
| Memoranda: | ||
| Average total assets | $367,492,338,000 | 10 |
| Average earning assets | $329,936,412,667 | 11 |
| Average equity | $42,376,497,667 | 9 |
| Average total loans | $164,448,972,000 | 8 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 2,004 |
| Cost of funding earning assets | 0.3580% | 2,461 |
| Net interest margin | 3.4743% | 1,901 |
| Noninterest income to average assets | 1.7740% | 454 |
| Noninterest expense to average assets | 3.4336% | 511 |
| Loan and lease loss provision to assets | -0.3732% | 4,889 |
| Net operating income to assets | 1.4667% | 1,400 |
| Return on assets (ROA) | 1.4825% | 1,434 |
| Pretax return on assets | 1.8589% | 1,182 |
| Return on Equity (ROE) | 12.8550% | 1,714 |
| Retained earnings to average equity (ytd only) | 12.8550% | 953 |
| Net charge-offs to loans | 0.3815% | 220 |
| Credit loss provision to net charge-offs | -213.9382% | 2,986 |
| Earnings coverage of net charge-offs (x) | 8.6410% | 1,568 |
| Efficiency ratio | 69.9848% | 1,700 |
| Assets per employee ($millions) | 11.8945% | 360 |
| Cash dividends to net income (ytd only)* | 0.0001% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8546% | 174 |
| Loan loss allowance to noncurrent loans | 390.3385% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 2,428 |
| Noncurrent loans to loans | 0.7313% | 1,776 |
| Net loans and leases to total assets | 42.4587% | 4,203 |
| Net loans and leases to deposits | 51.2113% | 4,090 |
| Net loans and leases to core deposits | 52.5730% | 4,169 |
| Total domestic deposits to total assets | 82.9088% | 3,705 |
| Equity capital to assets | 11.4490% | 1,572 |
| Core capital (leverage) ratio | 7.9833% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3107% | 2,158 |
| Memoranda: | ||
| Average total assets | $366,715,019,000 | 10 |
| Average earning assets | $329,838,916,000 | 11 |
| Average equity | $42,291,617,500 | 9 |
| Average total loans | $163,016,646,000 | 8 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2087% | 2,112 |
| Cost of funding earning assets | 0.7307% | 1,562 |
| Net interest margin | 3.4780% | 2,539 |
| Noninterest income to average assets | 1.8538% | 371 |
| Noninterest expense to average assets | 3.6531% | 561 |
| Loan and lease loss provision to assets | 0.8814% | 132 |
| Net operating income to assets | 0.3727% | 4,298 |
| Return on assets (ROA) | 0.3862% | 4,356 |
| Pretax return on assets | 0.4533% | 4,347 |
| Return on Equity (ROE) | 3.2107% | 4,322 |
| Retained earnings to average equity (ytd only) | -3.8921% | 4,808 |
| Net charge-offs to loans | 0.7977% | 179 |
| Credit loss provision to net charge-offs | 236.5778% | 1,986 |
| Earnings coverage of net charge-offs (x) | 3.5424% | 3,079 |
| Efficiency ratio | 73.2287% | 1,537 |
| Assets per employee ($millions) | 11.8191% | 332 |
| Cash dividends to net income (ytd only)* | 221.2220% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1049% | 133 |
| Loan loss allowance to noncurrent loans | 392.0810% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 2,448 |
| Noncurrent loans to loans | 0.7919% | 1,753 |
| Net loans and leases to total assets | 43.8094% | 4,258 |
| Net loans and leases to deposits | 52.4671% | 4,197 |
| Net loans and leases to core deposits | 54.1526% | 4,249 |
| Total domestic deposits to total assets | 83.4988% | 3,265 |
| Equity capital to assets | 11.6176% | 1,797 |
| Core capital (leverage) ratio | 7.6485% | 4,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6746% | 2,376 |
| Memoranda: | ||
| Average total assets | $351,141,324,000 | 10 |
| Average earning assets | $314,796,128,400 | 10 |
| Average equity | $42,237,020,200 | 8 |
| Average total loans | $163,876,077,600 | 8 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 2,147 |
| Cost of funding earning assets | 0.8244% | 1,382 |
| Net interest margin | 3.4597% | 2,722 |
| Noninterest income to average assets | 1.8672% | 351 |
| Noninterest expense to average assets | 3.6303% | 592 |
| Loan and lease loss provision to assets | 1.1661% | 95 |
| Net operating income to assets | 0.1598% | 4,644 |
| Return on assets (ROA) | 0.1671% | 4,673 |
| Pretax return on assets | 0.1778% | 4,674 |
| Return on Equity (ROE) | 1.3770% | 4,647 |
| Retained earnings to average equity (ytd only) | -8.0929% | 4,900 |
| Net charge-offs to loans | 0.8823% | 152 |
| Credit loss provision to net charge-offs | 280.7088% | 1,826 |
| Earnings coverage of net charge-offs (x) | 3.2188% | 2,928 |
| Efficiency ratio | 72.8151% | 1,542 |
| Assets per employee ($millions) | 11.5550% | 348 |
| Cash dividends to net income (ytd only)* | 687.7237% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2212% | 114 |
| Loan loss allowance to noncurrent loans | 393.0219% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 2,655 |
| Noncurrent loans to loans | 0.8196% | 1,783 |
| Net loans and leases to total assets | 44.0007% | 4,416 |
| Net loans and leases to deposits | 52.7063% | 4,384 |
| Net loans and leases to core deposits | 54.7929% | 4,418 |
| Total domestic deposits to total assets | 83.4828% | 2,995 |
| Equity capital to assets | 11.5523% | 1,966 |
| Core capital (leverage) ratio | 7.3660% | 4,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3592% | 2,474 |
| Memoranda: | ||
| Average total assets | $348,046,265,500 | 10 |
| Average earning assets | $311,793,553,500 | 10 |
| Average equity | $42,238,187,000 | 8 |
| Average total loans | $163,755,146,000 | 8 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 2,093 |
| Cost of funding earning assets | 0.9272% | 1,250 |
| Net interest margin | 3.5135% | 2,742 |
| Noninterest income to average assets | 1.9034% | 311 |
| Noninterest expense to average assets | 3.7206% | 559 |
| Loan and lease loss provision to assets | 1.9679% | 55 |
| Net operating income to assets | -0.4358% | 4,905 |
| Return on assets (ROA) | -0.4464% | 4,905 |
| Pretax return on assets | -0.6549% | 4,924 |
| Return on Equity (ROE) | -3.6177% | 4,909 |
| Retained earnings to average equity (ytd only) | -17.7537% | 4,997 |
| Net charge-offs to loans | 1.0636% | 132 |
| Credit loss provision to net charge-offs | 388.3396% | 1,431 |
| Earnings coverage of net charge-offs (x) | 2.6195% | 2,752 |
| Efficiency ratio | 73.4369% | 1,516 |
| Assets per employee ($millions) | 11.5846% | 344 |
| Cash dividends to net income (ytd only)* | -390.7466% | 5,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5671% | 85 |
| Loan loss allowance to noncurrent loans | 417.4654% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 2,761 |
| Noncurrent loans to loans | 0.8545% | 1,780 |
| Net loans and leases to total assets | 43.3248% | 4,488 |
| Net loans and leases to deposits | 51.7909% | 4,456 |
| Net loans and leases to core deposits | 54.1265% | 4,493 |
| Total domestic deposits to total assets | 83.6532% | 2,867 |
| Equity capital to assets | 11.1474% | 2,213 |
| Core capital (leverage) ratio | 7.2824% | 4,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0698% | 2,580 |
| Memoranda: | ||
| Average total assets | $343,974,630,000 | 10 |
| Average earning assets | $307,750,190,667 | 10 |
| Average equity | $42,444,740,333 | 8 |
| Average total loans | $163,742,388,667 | 8 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 1,491 |
| Cost of funding earning assets | 1.0657% | 1,163 |
| Net interest margin | 3.7089% | 2,295 |
| Noninterest income to average assets | 2.0441% | 265 |
| Noninterest expense to average assets | 3.6585% | 737 |
| Loan and lease loss provision to assets | 2.3701% | 52 |
| Net operating income to assets | -0.4627% | 4,921 |
| Return on assets (ROA) | -0.5205% | 4,907 |
| Pretax return on assets | -0.7484% | 4,928 |
| Return on Equity (ROE) | -4.0077% | 4,898 |
| Retained earnings to average equity (ytd only) | -4.0077% | 4,438 |
| Net charge-offs to loans | 1.1504% | 133 |
| Credit loss provision to net charge-offs | 419.1220% | 973 |
| Earnings coverage of net charge-offs (x) | 3.0030% | 2,240 |
| Efficiency ratio | 68.0617% | 2,653 |
| Assets per employee ($millions) | 11.0753% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8940% | 167 |
| Loan loss allowance to noncurrent loans | 330.2441% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 2,745 |
| Noncurrent loans to loans | 0.8763% | 1,859 |
| Net loans and leases to total assets | 47.7004% | 4,353 |
| Net loans and leases to deposits | 60.6685% | 4,177 |
| Net loans and leases to core deposits | 63.5499% | 4,194 |
| Total domestic deposits to total assets | 78.6246% | 4,115 |
| Equity capital to assets | 12.8931% | 1,491 |
| Core capital (leverage) ratio | 8.7900% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2542% | 2,175 |
| Memoranda: | ||
| Average total assets | $334,107,276,500 | 10 |
| Average earning assets | $298,106,665,500 | 10 |
| Average equity | $43,395,091,000 | 7 |
| Average total loans | $163,911,063,000 | 8 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 1,349 |
| Cost of funding earning assets | 1.3097% | 751 |
| Net interest margin | 3.7374% | 2,704 |
| Noninterest income to average assets | 2.0285% | 254 |
| Noninterest expense to average assets | 3.8592% | 620 |
| Loan and lease loss provision to assets | 0.5198% | 243 |
| Net operating income to assets | 0.7902% | 3,583 |
| Return on assets (ROA) | 0.8117% | 3,614 |
| Pretax return on assets | 1.0086% | 3,445 |
| Return on Equity (ROE) | 6.1130% | 3,883 |
| Retained earnings to average equity (ytd only) | 3.7145% | 3,134 |
| Net charge-offs to loans | 1.0019% | 160 |
| Credit loss provision to net charge-offs | 108.2480% | 2,302 |
| Earnings coverage of net charge-offs (x) | 3.1293% | 3,356 |
| Efficiency ratio | 71.6026% | 1,929 |
| Assets per employee ($millions) | 10.4790% | 326 |
| Cash dividends to net income (ytd only)* | 39.2360% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 1,492 |
| Loan loss allowance to noncurrent loans | 150.6615% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 2,568 |
| Noncurrent loans to loans | 0.9356% | 1,633 |
| Net loans and leases to total assets | 48.3043% | 4,413 |
| Net loans and leases to deposits | 61.8791% | 4,196 |
| Net loans and leases to core deposits | 64.9786% | 4,236 |
| Total domestic deposits to total assets | 78.0624% | 4,349 |
| Equity capital to assets | 13.0866% | 1,469 |
| Core capital (leverage) ratio | 9.2356% | 4,334 |
| Tier 1 risk-based capital ratio | 13.3517% | 3,604 |
| Total risk-based capital ratio | 14.4816% | 3,554 |
| Memoranda: | ||
| Average total assets | $313,974,590,800 | 7 |
| Average earning assets | $280,028,633,000 | 8 |
| Average equity | $41,693,182,000 | 6 |
| Average total loans | $150,478,966,600 | 9 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0817% | 1,324 |
| Cost of funding earning assets | 1.3336% | 713 |
| Net interest margin | 3.7481% | 2,759 |
| Noninterest income to average assets | 2.0295% | 260 |
| Noninterest expense to average assets | 3.8051% | 653 |
| Loan and lease loss provision to assets | 0.4437% | 286 |
| Net operating income to assets | 0.8981% | 3,355 |
| Return on assets (ROA) | 0.9292% | 3,312 |
| Pretax return on assets | 1.1597% | 3,104 |
| Return on Equity (ROE) | 6.9710% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.9710% | 1,872 |
| Net charge-offs to loans | 0.9431% | 157 |
| Credit loss provision to net charge-offs | 98.7491% | 2,300 |
| Earnings coverage of net charge-offs (x) | 3.4851% | 3,096 |
| Efficiency ratio | 70.4680% | 2,057 |
| Assets per employee ($millions) | 10.5444% | 302 |
| Cash dividends to net income (ytd only)* | 0.0001% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4209% | 1,497 |
| Loan loss allowance to noncurrent loans | 177.9722% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 2,995 |
| Noncurrent loans to loans | 0.7984% | 1,977 |
| Net loans and leases to total assets | 46.5491% | 4,576 |
| Net loans and leases to deposits | 58.4495% | 4,456 |
| Net loans and leases to core deposits | 61.5410% | 4,477 |
| Total domestic deposits to total assets | 79.6398% | 4,063 |
| Equity capital to assets | 13.5089% | 1,358 |
| Core capital (leverage) ratio | 9.4175% | 4,263 |
| Tier 1 risk-based capital ratio | 14.0396% | 3,310 |
| Total risk-based capital ratio | 15.1755% | 3,279 |
| Memoranda: | ||
| Average total assets | $310,218,478,500 | 7 |
| Average earning assets | $276,574,504,250 | 8 |
| Average equity | $41,352,773,000 | 6 |
| Average total loans | $147,800,489,000 | 9 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1464% | 1,117 |
| Cost of funding earning assets | 1.3126% | 716 |
| Net interest margin | 3.8338% | 2,465 |
| Noninterest income to average assets | 2.0267% | 260 |
| Noninterest expense to average assets | 3.8183% | 647 |
| Loan and lease loss provision to assets | 0.4242% | 286 |
| Net operating income to assets | 0.9714% | 3,021 |
| Return on assets (ROA) | 1.0151% | 2,943 |
| Pretax return on assets | 1.2534% | 2,733 |
| Return on Equity (ROE) | 7.6502% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.6502% | 1,540 |
| Net charge-offs to loans | 0.8865% | 161 |
| Credit loss provision to net charge-offs | 100.1312% | 1,958 |
| Earnings coverage of net charge-offs (x) | 3.8365% | 2,792 |
| Efficiency ratio | 69.7411% | 2,266 |
| Assets per employee ($millions) | 10.5243% | 302 |
| Cash dividends to net income (ytd only)* | 0.0001% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 1,400 |
| Loan loss allowance to noncurrent loans | 211.3855% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 3,229 |
| Noncurrent loans to loans | 0.6885% | 2,249 |
| Net loans and leases to total assets | 46.7341% | 4,615 |
| Net loans and leases to deposits | 58.3415% | 4,502 |
| Net loans and leases to core deposits | 61.1810% | 4,533 |
| Total domestic deposits to total assets | 80.1044% | 4,022 |
| Equity capital to assets | 13.5514% | 1,296 |
| Core capital (leverage) ratio | 9.4155% | 4,230 |
| Tier 1 risk-based capital ratio | 13.8710% | 3,387 |
| Total risk-based capital ratio | 15.0204% | 3,333 |
| Memoranda: | ||
| Average total assets | $307,565,471,670 | 7 |
| Average earning assets | $274,131,263,000 | 8 |
| Average equity | $40,809,581,670 | 6 |
| Average total loans | $146,986,162,670 | 9 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1318% | 1,038 |
| Cost of funding earning assets | 1.2888% | 679 |
| Net interest margin | 3.8430% | 2,369 |
| Noninterest income to average assets | 1.9727% | 253 |
| Noninterest expense to average assets | 3.7844% | 665 |
| Loan and lease loss provision to assets | 0.5296% | 201 |
| Net operating income to assets | 0.8813% | 3,305 |
| Return on assets (ROA) | 0.9254% | 3,173 |
| Pretax return on assets | 1.1405% | 3,009 |
| Return on Equity (ROE) | 7.0508% | 3,657 |
| Retained earnings to average equity (ytd only) | 7.0508% | 2,016 |
| Net charge-offs to loans | 0.9689% | 148 |
| Credit loss provision to net charge-offs | 113.9286% | 1,464 |
| Earnings coverage of net charge-offs (x) | 3.4768% | 2,399 |
| Efficiency ratio | 69.6720% | 2,395 |
| Assets per employee ($millions) | 10.6644% | 283 |
| Cash dividends to net income (ytd only)* | 0.0001% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 1,320 |
| Loan loss allowance to noncurrent loans | 211.8530% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 3,246 |
| Noncurrent loans to loans | 0.7108% | 2,249 |
| Net loans and leases to total assets | 46.8497% | 4,631 |
| Net loans and leases to deposits | 57.9588% | 4,505 |
| Net loans and leases to core deposits | 60.5844% | 4,549 |
| Total domestic deposits to total assets | 80.8326% | 4,002 |
| Equity capital to assets | 13.2673% | 1,308 |
| Core capital (leverage) ratio | 9.1265% | 4,547 |
| Tier 1 risk-based capital ratio | 13.5041% | 3,599 |
| Total risk-based capital ratio | 14.6887% | 3,545 |
| Memoranda: | ||
| Average total assets | $305,704,242,500 | 7 |
| Average earning assets | $272,683,463,500 | 8 |
| Average equity | $40,122,472,000 | 6 |
| Average total loans | $146,666,095,500 | 9 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0049% | 1,037 |
| Cost of funding earning assets | 1.0248% | 683 |
| Net interest margin | 3.9801% | 2,059 |
| Noninterest income to average assets | 2.1045% | 251 |
| Noninterest expense to average assets | 3.8727% | 624 |
| Loan and lease loss provision to assets | 0.4427% | 291 |
| Net operating income to assets | 1.0502% | 2,803 |
| Return on assets (ROA) | 1.0003% | 2,997 |
| Pretax return on assets | 1.2705% | 2,614 |
| Return on Equity (ROE) | 7.6000% | 3,616 |
| Retained earnings to average equity (ytd only) | 5.0080% | 2,765 |
| Net charge-offs to loans | 1.0292% | 143 |
| Credit loss provision to net charge-offs | 83.9999% | 2,802 |
| Earnings coverage of net charge-offs (x) | 3.3689% | 3,422 |
| Efficiency ratio | 68.0049% | 2,547 |
| Assets per employee ($millions) | 11.0068% | 260 |
| Cash dividends to net income (ytd only)* | 34.1057% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 1,426 |
| Loan loss allowance to noncurrent loans | 195.6043% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3608% | 3,104 |
| Noncurrent loans to loans | 0.7448% | 2,134 |
| Net loans and leases to total assets | 47.6848% | 4,660 |
| Net loans and leases to deposits | 60.9914% | 4,428 |
| Net loans and leases to core deposits | 63.8460% | 4,452 |
| Total domestic deposits to total assets | 78.1828% | 4,460 |
| Equity capital to assets | 12.9810% | 1,355 |
| Core capital (leverage) ratio | 9.0756% | 4,579 |
| Tier 1 risk-based capital ratio | 13.0252% | 3,835 |
| Total risk-based capital ratio | 14.1808% | 3,773 |
| Memoranda: | ||
| Average total assets | $293,125,856,200 | 8 |
| Average earning assets | $260,995,253,400 | 8 |
| Average equity | $38,579,932,200 | 6 |
| Average total loans | $150,108,320,400 | 7 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 980 |
| Cost of funding earning assets | 0.9682% | 691 |
| Net interest margin | 4.0071% | 1,934 |
| Noninterest income to average assets | 2.1669% | 245 |
| Noninterest expense to average assets | 3.8165% | 655 |
| Loan and lease loss provision to assets | 0.4170% | 307 |
| Net operating income to assets | 1.1785% | 2,326 |
| Return on assets (ROA) | 1.1359% | 2,525 |
| Pretax return on assets | 1.4450% | 2,072 |
| Return on Equity (ROE) | 8.5991% | 3,289 |
| Retained earnings to average equity (ytd only) | 5.1214% | 3,174 |
| Net charge-offs to loans | 0.9828% | 141 |
| Credit loss provision to net charge-offs | 81.6822% | 2,511 |
| Earnings coverage of net charge-offs (x) | 3.7512% | 3,130 |
| Efficiency ratio | 66.0231% | 2,869 |
| Assets per employee ($millions) | 10.3740% | 292 |
| Cash dividends to net income (ytd only)* | 40.4432% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 1,291 |
| Loan loss allowance to noncurrent loans | 217.0206% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 3,277 |
| Noncurrent loans to loans | 0.6985% | 2,329 |
| Net loans and leases to total assets | 49.0150% | 4,664 |
| Net loans and leases to deposits | 61.0234% | 4,495 |
| Net loans and leases to core deposits | 64.0976% | 4,506 |
| Total domestic deposits to total assets | 80.2502% | 4,053 |
| Equity capital to assets | 13.2612% | 1,226 |
| Core capital (leverage) ratio | 9.0769% | 4,631 |
| Tier 1 risk-based capital ratio | 12.9998% | 3,906 |
| Total risk-based capital ratio | 14.1984% | 3,841 |
| Memoranda: | ||
| Average total assets | $290,242,899,000 | 8 |
| Average earning assets | $258,206,537,750 | 8 |
| Average equity | $38,338,032,500 | 6 |
| Average total loans | $150,779,601,250 | 7 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 981 |
| Cost of funding earning assets | 0.9165% | 687 |
| Net interest margin | 3.9994% | 1,869 |
| Noninterest income to average assets | 2.1812% | 249 |
| Noninterest expense to average assets | 3.7171% | 737 |
| Loan and lease loss provision to assets | 0.3940% | 313 |
| Net operating income to assets | 1.2941% | 1,794 |
| Return on assets (ROA) | 1.2866% | 1,832 |
| Pretax return on assets | 1.6202% | 1,438 |
| Return on Equity (ROE) | 9.7532% | 2,685 |
| Retained earnings to average equity (ytd only) | 9.7532% | 997 |
| Net charge-offs to loans | 0.9259% | 144 |
| Credit loss provision to net charge-offs | 80.7823% | 2,248 |
| Earnings coverage of net charge-offs (x) | 4.1463% | 2,815 |
| Efficiency ratio | 64.1997% | 3,290 |
| Assets per employee ($millions) | 10.5024% | 273 |
| Cash dividends to net income (ytd only)* | 0.0001% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 1,160 |
| Loan loss allowance to noncurrent loans | 237.2258% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 3,404 |
| Noncurrent loans to loans | 0.6660% | 2,445 |
| Net loans and leases to total assets | 48.5256% | 4,692 |
| Net loans and leases to deposits | 60.2929% | 4,511 |
| Net loans and leases to core deposits | 63.2690% | 4,534 |
| Total domestic deposits to total assets | 80.3718% | 4,160 |
| Equity capital to assets | 13.4580% | 1,117 |
| Core capital (leverage) ratio | 9.1661% | 4,501 |
| Tier 1 risk-based capital ratio | 13.3819% | 3,682 |
| Total risk-based capital ratio | 14.6313% | 3,608 |
| Memoranda: | ||
| Average total assets | $290,173,872,000 | 9 |
| Average earning assets | $258,167,342,330 | 9 |
| Average equity | $38,278,357,000 | 6 |
| Average total loans | $152,854,299,670 | 7 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8616% | 949 |
| Cost of funding earning assets | 0.8592% | 733 |
| Net interest margin | 4.0024% | 1,723 |
| Noninterest income to average assets | 1.8852% | 290 |
| Noninterest expense to average assets | 3.7288% | 731 |
| Loan and lease loss provision to assets | 0.4977% | 210 |
| Net operating income to assets | 1.0025% | 2,849 |
| Return on assets (ROA) | 1.0030% | 2,864 |
| Pretax return on assets | 1.2203% | 2,676 |
| Return on Equity (ROE) | 7.6812% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.6812% | 1,963 |
| Net charge-offs to loans | 0.9647% | 145 |
| Credit loss provision to net charge-offs | 94.9130% | 1,633 |
| Earnings coverage of net charge-offs (x) | 3.2766% | 2,401 |
| Efficiency ratio | 67.8597% | 2,853 |
| Assets per employee ($millions) | 10.4566% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5091% | 1,433 |
| Loan loss allowance to noncurrent loans | 185.4229% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 3,030 |
| Noncurrent loans to loans | 0.8139% | 2,185 |
| Net loans and leases to total assets | 53.4862% | 4,329 |
| Net loans and leases to deposits | 65.7319% | 4,108 |
| Net loans and leases to core deposits | 68.7565% | 4,173 |
| Total domestic deposits to total assets | 81.2620% | 4,143 |
| Equity capital to assets | 13.1268% | 1,181 |
| Core capital (leverage) ratio | 8.8549% | 4,849 |
| Tier 1 risk-based capital ratio | 12.3358% | 4,353 |
| Total risk-based capital ratio | 13.5854% | 4,245 |
| Memoranda: | ||
| Average total assets | $290,264,382,000 | 9 |
| Average earning assets | $258,309,805,000 | 9 |
| Average equity | $37,903,937,500 | 7 |
| Average total loans | $157,791,570,000 | 7 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 1,144 |
| Cost of funding earning assets | 0.6789% | 1,139 |
| Net interest margin | 4.0448% | 1,603 |
| Noninterest income to average assets | 1.9192% | 312 |
| Noninterest expense to average assets | 3.8389% | 665 |
| Loan and lease loss provision to assets | 0.7285% | 168 |
| Net operating income to assets | 0.4442% | 4,553 |
| Return on assets (ROA) | 0.4183% | 4,655 |
| Pretax return on assets | 0.9240% | 3,831 |
| Return on Equity (ROE) | 3.2188% | 4,770 |
| Retained earnings to average equity (ytd only) | 3.2188% | 3,374 |
| Net charge-offs to loans | 1.2752% | 129 |
| Credit loss provision to net charge-offs | 102.6384% | 2,493 |
| Earnings coverage of net charge-offs (x) | 2.3478% | 3,755 |
| Efficiency ratio | 68.9140% | 2,717 |
| Assets per employee ($millions) | 10.0669% | 310 |
| Cash dividends to net income (ytd only)* | 0.0001% | 4,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,359 |
| Loan loss allowance to noncurrent loans | 141.0981% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 2,565 |
| Noncurrent loans to loans | 1.0732% | 1,659 |
| Net loans and leases to total assets | 53.5928% | 4,394 |
| Net loans and leases to deposits | 69.2416% | 3,930 |
| Net loans and leases to core deposits | 72.5709% | 4,005 |
| Total domestic deposits to total assets | 77.2723% | 4,829 |
| Equity capital to assets | 12.9902% | 1,271 |
| Core capital (leverage) ratio | 8.5622% | 5,082 |
| Tier 1 risk-based capital ratio | 12.1619% | 4,421 |
| Total risk-based capital ratio | 13.4119% | 4,317 |
| Memoranda: | ||
| Average total assets | $285,999,909,400 | 7 |
| Average earning assets | $253,564,071,000 | 7 |
| Average equity | $37,166,565,800 | 7 |
| Average total loans | $159,190,287,400 | 7 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 1,226 |
| Cost of funding earning assets | 0.6447% | 1,277 |
| Net interest margin | 4.0165% | 1,649 |
| Noninterest income to average assets | 1.9215% | 328 |
| Noninterest expense to average assets | 3.7920% | 676 |
| Loan and lease loss provision to assets | 0.7080% | 158 |
| Net operating income to assets | 0.6993% | 3,987 |
| Return on assets (ROA) | 0.7184% | 3,941 |
| Pretax return on assets | 1.0127% | 3,638 |
| Return on Equity (ROE) | 5.5276% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.5276% | 2,523 |
| Net charge-offs to loans | 1.2038% | 141 |
| Credit loss provision to net charge-offs | 105.0609% | 2,205 |
| Earnings coverage of net charge-offs (x) | 2.5064% | 3,455 |
| Efficiency ratio | 68.3574% | 2,813 |
| Assets per employee ($millions) | 9.4528% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 1,487 |
| Loan loss allowance to noncurrent loans | 111.6812% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 2,223 |
| Noncurrent loans to loans | 1.3557% | 1,388 |
| Net loans and leases to total assets | 54.3931% | 4,383 |
| Net loans and leases to deposits | 71.9163% | 3,784 |
| Net loans and leases to core deposits | 74.9564% | 3,890 |
| Total domestic deposits to total assets | 75.5303% | 5,073 |
| Equity capital to assets | 13.1772% | 1,304 |
| Core capital (leverage) ratio | 8.9095% | 4,852 |
| Tier 1 risk-based capital ratio | 12.2170% | 4,486 |
| Total risk-based capital ratio | 13.4672% | 4,380 |
| Memoranda: | ||
| Average total assets | $284,837,092,500 | 7 |
| Average earning assets | $252,425,770,250 | 7 |
| Average equity | $37,019,157,750 | 7 |
| Average total loans | $159,447,087,000 | 7 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5763% | 1,308 |
| Cost of funding earning assets | 0.6212% | 1,325 |
| Net interest margin | 3.9551% | 1,757 |
| Noninterest income to average assets | 1.9717% | 317 |
| Noninterest expense to average assets | 3.7654% | 702 |
| Loan and lease loss provision to assets | 0.6976% | 155 |
| Net operating income to assets | 0.7228% | 3,743 |
| Return on assets (ROA) | 0.7256% | 3,802 |
| Pretax return on assets | 1.0154% | 3,503 |
| Return on Equity (ROE) | 5.6095% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.6095% | 2,343 |
| Net charge-offs to loans | 1.0810% | 183 |
| Credit loss provision to net charge-offs | 114.7578% | 1,839 |
| Earnings coverage of net charge-offs (x) | 2.8135% | 3,120 |
| Efficiency ratio | 67.9251% | 3,026 |
| Assets per employee ($millions) | 9.2906% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,358 |
| Loan loss allowance to noncurrent loans | 126.7876% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.7180% | 2,411 |
| Noncurrent loans to loans | 1.2311% | 1,577 |
| Net loans and leases to total assets | 56.0421% | 4,220 |
| Net loans and leases to deposits | 71.0046% | 3,829 |
| Net loans and leases to core deposits | 73.7369% | 3,962 |
| Total domestic deposits to total assets | 78.7745% | 4,670 |
| Equity capital to assets | 13.5091% | 1,138 |
| Core capital (leverage) ratio | 8.8650% | 4,881 |
| Tier 1 risk-based capital ratio | 12.0881% | 4,574 |
| Total risk-based capital ratio | 13.3388% | 4,449 |
| Memoranda: | ||
| Average total assets | $282,794,409,000 | 7 |
| Average earning assets | $250,538,049,670 | 7 |
| Average equity | $36,578,487,330 | 7 |
| Average total loans | $159,030,098,000 | 7 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 1,362 |
| Cost of funding earning assets | 0.6061% | 1,335 |
| Net interest margin | 3.8976% | 1,786 |
| Noninterest income to average assets | 1.8409% | 349 |
| Noninterest expense to average assets | 3.7706% | 702 |
| Loan and lease loss provision to assets | 0.5954% | 162 |
| Net operating income to assets | 0.6743% | 3,814 |
| Return on assets (ROA) | 0.6979% | 3,755 |
| Pretax return on assets | 0.9513% | 3,582 |
| Return on Equity (ROE) | 5.5161% | 4,138 |
| Retained earnings to average equity (ytd only) | 5.5161% | 2,590 |
| Net charge-offs to loans | 0.9207% | 181 |
| Credit loss provision to net charge-offs | 115.6944% | 1,436 |
| Earnings coverage of net charge-offs (x) | 2.9584% | 2,530 |
| Efficiency ratio | 70.3608% | 2,835 |
| Assets per employee ($millions) | 9.5728% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5348% | 1,562 |
| Loan loss allowance to noncurrent loans | 113.2712% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.7801% | 2,349 |
| Noncurrent loans to loans | 1.3550% | 1,488 |
| Net loans and leases to total assets | 55.2461% | 4,232 |
| Net loans and leases to deposits | 69.4240% | 3,862 |
| Net loans and leases to core deposits | 71.9467% | 3,990 |
| Total domestic deposits to total assets | 79.4225% | 4,736 |
| Equity capital to assets | 13.1808% | 1,193 |
| Core capital (leverage) ratio | 8.5316% | 5,208 |
| Tier 1 risk-based capital ratio | 11.8497% | 4,813 |
| Total risk-based capital ratio | 13.1002% | 4,720 |
| Memoranda: | ||
| Average total assets | $284,075,714,500 | 7 |
| Average earning assets | $251,606,755,000 | 7 |
| Average equity | $35,939,383,500 | 7 |
| Average total loans | $158,776,105,500 | 7 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 2,077 |
| Cost of funding earning assets | 0.5415% | 1,778 |
| Net interest margin | 3.7786% | 2,399 |
| Noninterest income to average assets | 1.7939% | 396 |
| Noninterest expense to average assets | 3.7033% | 878 |
| Loan and lease loss provision to assets | 0.7418% | 156 |
| Net operating income to assets | 0.4754% | 4,727 |
| Return on assets (ROA) | 0.4661% | 4,829 |
| Pretax return on assets | 0.6865% | 4,535 |
| Return on Equity (ROE) | 3.6314% | 4,964 |
| Retained earnings to average equity (ytd only) | -2.6818% | 5,572 |
| Net charge-offs to loans | 0.9921% | 187 |
| Credit loss provision to net charge-offs | 133.6731% | 2,023 |
| Earnings coverage of net charge-offs (x) | 2.5926% | 3,804 |
| Efficiency ratio | 70.6651% | 2,799 |
| Assets per employee ($millions) | 9.7655% | 331 |
| Cash dividends to net income (ytd only)* | 173.8504% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,708 |
| Loan loss allowance to noncurrent loans | 105.8929% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 2,332 |
| Noncurrent loans to loans | 1.4075% | 1,444 |
| Net loans and leases to total assets | 54.8503% | 4,359 |
| Net loans and leases to deposits | 72.1558% | 3,700 |
| Net loans and leases to core deposits | 74.9305% | 3,841 |
| Total domestic deposits to total assets | 75.8489% | 5,256 |
| Equity capital to assets | 12.1293% | 1,724 |
| Core capital (leverage) ratio | 7.7075% | 5,704 |
| Tier 1 risk-based capital ratio | 10.5559% | 5,548 |
| Total risk-based capital ratio | 11.8060% | 5,478 |
| Memoranda: | ||
| Average total assets | $277,683,104,000 | 8 |
| Average earning assets | $246,055,615,200 | 8 |
| Average equity | $35,639,200,800 | 7 |
| Average total loans | $155,330,417,200 | 7 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 2,168 |
| Cost of funding earning assets | 0.5297% | 1,881 |
| Net interest margin | 3.7690% | 2,456 |
| Noninterest income to average assets | 1.7950% | 408 |
| Noninterest expense to average assets | 3.6358% | 939 |
| Loan and lease loss provision to assets | 0.7231% | 154 |
| Net operating income to assets | 0.5279% | 4,582 |
| Return on assets (ROA) | 0.5174% | 4,736 |
| Pretax return on assets | 0.7656% | 4,422 |
| Return on Equity (ROE) | 3.9745% | 4,912 |
| Retained earnings to average equity (ytd only) | -4.3878% | 5,712 |
| Net charge-offs to loans | 0.9360% | 187 |
| Credit loss provision to net charge-offs | 137.9403% | 1,887 |
| Earnings coverage of net charge-offs (x) | 2.8616% | 3,504 |
| Efficiency ratio | 69.3821% | 2,985 |
| Assets per employee ($millions) | 9.6040% | 336 |
| Cash dividends to net income (ytd only)* | 210.3990% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 1,984 |
| Loan loss allowance to noncurrent loans | 102.1960% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.8220% | 2,490 |
| Noncurrent loans to loans | 1.4185% | 1,542 |
| Net loans and leases to total assets | 55.2034% | 4,386 |
| Net loans and leases to deposits | 73.0537% | 3,695 |
| Net loans and leases to core deposits | 75.2910% | 3,900 |
| Total domestic deposits to total assets | 75.3359% | 5,308 |
| Equity capital to assets | 12.6557% | 1,675 |
| Core capital (leverage) ratio | 7.7805% | 5,766 |
| Tier 1 risk-based capital ratio | 10.8472% | 5,458 |
| Total risk-based capital ratio | 12.0941% | 5,366 |
| Memoranda: | ||
| Average total assets | $275,583,800,000 | 8 |
| Average earning assets | $244,288,466,000 | 8 |
| Average equity | $35,874,085,750 | 7 |
| Average total loans | $154,340,529,500 | 7 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 2,272 |
| Cost of funding earning assets | 0.5171% | 1,958 |
| Net interest margin | 3.7494% | 2,517 |
| Noninterest income to average assets | 1.7999% | 399 |
| Noninterest expense to average assets | 3.5902% | 1,021 |
| Loan and lease loss provision to assets | 0.7428% | 145 |
| Net operating income to assets | 0.5435% | 4,507 |
| Return on assets (ROA) | 0.5360% | 4,648 |
| Pretax return on assets | 0.7810% | 4,345 |
| Return on Equity (ROE) | 4.0787% | 4,883 |
| Retained earnings to average equity (ytd only) | -2.0237% | 5,545 |
| Net charge-offs to loans | 0.8452% | 233 |
| Credit loss provision to net charge-offs | 156.9250% | 1,543 |
| Earnings coverage of net charge-offs (x) | 3.2382% | 3,145 |
| Efficiency ratio | 68.6147% | 3,223 |
| Assets per employee ($millions) | 9.6646% | 321 |
| Cash dividends to net income (ytd only)* | 149.6148% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 2,160 |
| Loan loss allowance to noncurrent loans | 101.1585% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.8231% | 2,535 |
| Noncurrent loans to loans | 1.4141% | 1,570 |
| Net loans and leases to total assets | 55.0478% | 4,406 |
| Net loans and leases to deposits | 73.5799% | 3,643 |
| Net loans and leases to core deposits | 75.6984% | 3,845 |
| Total domestic deposits to total assets | 74.5678% | 5,462 |
| Equity capital to assets | 13.0106% | 1,495 |
| Core capital (leverage) ratio | 8.2327% | 5,581 |
| Tier 1 risk-based capital ratio | 11.3986% | 5,215 |
| Total risk-based capital ratio | 12.6490% | 5,111 |
| Memoranda: | ||
| Average total assets | $274,359,977,330 | 8 |
| Average earning assets | $243,157,446,670 | 8 |
| Average equity | $36,051,503,670 | 7 |
| Average total loans | $153,645,419,330 | 7 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 2,219 |
| Cost of funding earning assets | 0.5101% | 2,031 |
| Net interest margin | 3.7651% | 2,421 |
| Noninterest income to average assets | 1.8536% | 380 |
| Noninterest expense to average assets | 3.6665% | 938 |
| Loan and lease loss provision to assets | 0.7244% | 146 |
| Net operating income to assets | 0.5527% | 4,408 |
| Return on assets (ROA) | 0.5394% | 4,575 |
| Pretax return on assets | 0.7844% | 4,253 |
| Return on Equity (ROE) | 4.0842% | 4,863 |
| Retained earnings to average equity (ytd only) | -4.2609% | 5,564 |
| Net charge-offs to loans | 0.8843% | 227 |
| Credit loss provision to net charge-offs | 146.0794% | 1,293 |
| Earnings coverage of net charge-offs (x) | 3.0747% | 2,589 |
| Efficiency ratio | 69.1112% | 3,278 |
| Assets per employee ($millions) | 9.2521% | 359 |
| Cash dividends to net income (ytd only)* | 204.3268% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 2,766 |
| Loan loss allowance to noncurrent loans | 90.7037% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 0.8663% | 2,531 |
| Noncurrent loans to loans | 1.4653% | 1,610 |
| Net loans and leases to total assets | 55.5910% | 4,300 |
| Net loans and leases to deposits | 72.1937% | 3,631 |
| Net loans and leases to core deposits | 74.2908% | 3,860 |
| Total domestic deposits to total assets | 76.7559% | 5,324 |
| Equity capital to assets | 13.2747% | 1,276 |
| Core capital (leverage) ratio | 8.2816% | 5,587 |
| Tier 1 risk-based capital ratio | 11.6206% | 5,159 |
| Total risk-based capital ratio | 12.8557% | 5,074 |
| Memoranda: | ||
| Average total assets | $272,209,568,500 | 8 |
| Average earning assets | $241,306,522,000 | 8 |
| Average equity | $35,949,475,000 | 7 |
| Average total loans | $152,656,757,000 | 7 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 2,310 |
| Cost of funding earning assets | 0.4913% | 2,241 |
| Net interest margin | 3.7801% | 2,446 |
| Noninterest income to average assets | 1.8881% | 388 |
| Noninterest expense to average assets | 3.8592% | 798 |
| Loan and lease loss provision to assets | 0.5715% | 194 |
| Net operating income to assets | 0.5257% | 4,597 |
| Return on assets (ROA) | 0.5367% | 4,642 |
| Pretax return on assets | 0.8083% | 4,161 |
| Return on Equity (ROE) | 3.9122% | 4,982 |
| Retained earnings to average equity (ytd only) | 3.9122% | 3,255 |
| Net charge-offs to loans | 0.8400% | 259 |
| Credit loss provision to net charge-offs | 123.3036% | 2,100 |
| Earnings coverage of net charge-offs (x) | 2.9576% | 3,802 |
| Efficiency ratio | 72.1750% | 2,880 |
| Assets per employee ($millions) | 9.2652% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 3,251 |
| Loan loss allowance to noncurrent loans | 97.3475% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7557% | 2,794 |
| Noncurrent loans to loans | 1.2729% | 1,852 |
| Net loans and leases to total assets | 55.1316% | 4,374 |
| Net loans and leases to deposits | 73.8163% | 3,514 |
| Net loans and leases to core deposits | 76.0106% | 3,753 |
| Total domestic deposits to total assets | 74.3686% | 5,614 |
| Equity capital to assets | 13.1389% | 1,286 |
| Core capital (leverage) ratio | 8.7687% | 5,146 |
| Tier 1 risk-based capital ratio | 11.8177% | 5,059 |
| Total risk-based capital ratio | 12.9401% | 5,055 |
| Memoranda: | ||
| Average total assets | $258,234,398,600 | 9 |
| Average earning assets | $228,312,536,600 | 8 |
| Average equity | $35,423,297,000 | 7 |
| Average total loans | $142,493,682,600 | 7 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 2,242 |
| Cost of funding earning assets | 0.4931% | 2,285 |
| Net interest margin | 3.8037% | 2,366 |
| Noninterest income to average assets | 1.9458% | 375 |
| Noninterest expense to average assets | 3.8628% | 776 |
| Loan and lease loss provision to assets | 0.5352% | 186 |
| Net operating income to assets | 0.6132% | 4,313 |
| Return on assets (ROA) | 0.6238% | 4,377 |
| Pretax return on assets | 0.9171% | 3,924 |
| Return on Equity (ROE) | 4.4968% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.4968% | 3,271 |
| Net charge-offs to loans | 0.8145% | 247 |
| Credit loss provision to net charge-offs | 119.4636% | 1,993 |
| Earnings coverage of net charge-offs (x) | 3.2210% | 3,539 |
| Efficiency ratio | 71.1767% | 3,017 |
| Assets per employee ($millions) | 8.5842% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 3,257 |
| Loan loss allowance to noncurrent loans | 90.9695% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 2,846 |
| Noncurrent loans to loans | 1.3963% | 1,824 |
| Net loans and leases to total assets | 54.3028% | 4,537 |
| Net loans and leases to deposits | 69.3151% | 4,059 |
| Net loans and leases to core deposits | 71.1777% | 4,258 |
| Total domestic deposits to total assets | 77.9660% | 5,190 |
| Equity capital to assets | 14.1696% | 952 |
| Core capital (leverage) ratio | 9.1436% | 4,822 |
| Tier 1 risk-based capital ratio | 12.8920% | 4,489 |
| Total risk-based capital ratio | 14.0180% | 4,479 |
| Memoranda: | ||
| Average total assets | $254,485,096,750 | 9 |
| Average earning assets | $224,808,749,500 | 8 |
| Average equity | $35,304,226,000 | 7 |
| Average total loans | $139,985,340,750 | 7 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3035% | 2,152 |
| Cost of funding earning assets | 0.4913% | 2,336 |
| Net interest margin | 3.8122% | 2,264 |
| Noninterest income to average assets | 1.8110% | 425 |
| Noninterest expense to average assets | 3.8273% | 839 |
| Loan and lease loss provision to assets | 0.5226% | 188 |
| Net operating income to assets | 0.5607% | 4,518 |
| Return on assets (ROA) | 0.5804% | 4,529 |
| Pretax return on assets | 0.8437% | 4,148 |
| Return on Equity (ROE) | 4.2137% | 4,944 |
| Retained earnings to average equity (ytd only) | 4.2137% | 3,353 |
| Net charge-offs to loans | 0.7520% | 299 |
| Credit loss provision to net charge-offs | 126.3337% | 1,735 |
| Earnings coverage of net charge-offs (x) | 3.2597% | 3,214 |
| Efficiency ratio | 72.2403% | 2,973 |
| Assets per employee ($millions) | 8.5345% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 3,498 |
| Loan loss allowance to noncurrent loans | 93.9509% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7788% | 3,054 |
| Noncurrent loans to loans | 1.3328% | 2,015 |
| Net loans and leases to total assets | 54.0507% | 4,549 |
| Net loans and leases to deposits | 70.1487% | 3,917 |
| Net loans and leases to core deposits | 70.9037% | 4,235 |
| Total domestic deposits to total assets | 76.6326% | 5,517 |
| Equity capital to assets | 13.8421% | 1,033 |
| Core capital (leverage) ratio | 9.0791% | 4,852 |
| Tier 1 risk-based capital ratio | 12.5887% | 4,749 |
| Total risk-based capital ratio | 13.6882% | 4,768 |
| Memoranda: | ||
| Average total assets | $254,501,427,670 | 9 |
| Average earning assets | $224,636,023,330 | 9 |
| Average equity | $35,054,782,670 | 7 |
| Average total loans | $139,999,313,330 | 7 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 1,966 |
| Cost of funding earning assets | 0.4894% | 2,386 |
| Net interest margin | 3.8518% | 2,058 |
| Noninterest income to average assets | 1.7984% | 418 |
| Noninterest expense to average assets | 3.6711% | 1,038 |
| Loan and lease loss provision to assets | 0.5027% | 208 |
| Net operating income to assets | 0.6902% | 3,847 |
| Return on assets (ROA) | 0.7190% | 3,835 |
| Pretax return on assets | 1.0507% | 3,298 |
| Return on Equity (ROE) | 5.2328% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.2328% | 2,930 |
| Net charge-offs to loans | 0.7890% | 296 |
| Credit loss provision to net charge-offs | 115.5219% | 1,477 |
| Earnings coverage of net charge-offs (x) | 3.5045% | 2,597 |
| Efficiency ratio | 68.9038% | 3,678 |
| Assets per employee ($millions) | 8.4042% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 4,026 |
| Loan loss allowance to noncurrent loans | 98.8314% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 0.7173% | 3,346 |
| Noncurrent loans to loans | 1.2061% | 2,363 |
| Net loans and leases to total assets | 54.4366% | 4,380 |
| Net loans and leases to deposits | 69.3523% | 3,816 |
| Net loans and leases to core deposits | 70.4267% | 4,113 |
| Total domestic deposits to total assets | 77.7732% | 5,490 |
| Equity capital to assets | 13.9150% | 1,011 |
| Core capital (leverage) ratio | 8.8280% | 5,162 |
| Tier 1 risk-based capital ratio | 12.7192% | 4,774 |
| Total risk-based capital ratio | 13.7837% | 4,794 |
| Memoranda: | ||
| Average total assets | $254,106,436,000 | 9 |
| Average earning assets | $224,143,379,000 | 9 |
| Average equity | $34,913,293,500 | 7 |
| Average total loans | $140,130,733,000 | 7 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 2,056 |
| Cost of funding earning assets | 0.4828% | 2,850 |
| Net interest margin | 3.9701% | 1,975 |
| Noninterest income to average assets | 1.7509% | 418 |
| Noninterest expense to average assets | 3.7957% | 992 |
| Loan and lease loss provision to assets | 0.4941% | 313 |
| Net operating income to assets | 0.6339% | 4,214 |
| Return on assets (ROA) | 0.6370% | 4,305 |
| Pretax return on assets | 0.9411% | 3,730 |
| Return on Equity (ROE) | 4.5294% | 4,874 |
| Retained earnings to average equity (ytd only) | 1.7545% | 4,941 |
| Net charge-offs to loans | 0.8680% | 378 |
| Credit loss provision to net charge-offs | 101.3808% | 2,360 |
| Earnings coverage of net charge-offs (x) | 2.9375% | 4,024 |
| Efficiency ratio | 70.5702% | 3,447 |
| Assets per employee ($millions) | 8.4351% | 451 |
| Cash dividends to net income (ytd only)* | 61.2630% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 4,280 |
| Loan loss allowance to noncurrent loans | 92.8083% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 3,358 |
| Noncurrent loans to loans | 1.2400% | 2,376 |
| Net loans and leases to total assets | 54.5640% | 4,506 |
| Net loans and leases to deposits | 72.2721% | 3,647 |
| Net loans and leases to core deposits | 73.1389% | 4,013 |
| Total domestic deposits to total assets | 75.1056% | 5,847 |
| Equity capital to assets | 13.5656% | 1,128 |
| Core capital (leverage) ratio | 8.9017% | 5,117 |
| Tier 1 risk-based capital ratio | 12.5335% | 5,020 |
| Total risk-based capital ratio | 13.5686% | 5,058 |
| Memoranda: | ||
| Average total assets | $243,424,603,200 | 9 |
| Average earning assets | $213,141,639,400 | 9 |
| Average equity | $34,236,354,600 | 7 |
| Average total loans | $136,669,310,000 | 7 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4580% | 2,022 |
| Cost of funding earning assets | 0.4846% | 2,909 |
| Net interest margin | 3.9734% | 1,954 |
| Noninterest income to average assets | 1.7654% | 420 |
| Noninterest expense to average assets | 3.7691% | 1,013 |
| Loan and lease loss provision to assets | 0.4818% | 317 |
| Net operating income to assets | 0.6532% | 4,205 |
| Return on assets (ROA) | 0.6422% | 4,344 |
| Pretax return on assets | 0.9784% | 3,684 |
| Return on Equity (ROE) | 4.5235% | 4,954 |
| Retained earnings to average equity (ytd only) | 1.7903% | 5,159 |
| Net charge-offs to loans | 0.8349% | 397 |
| Credit loss provision to net charge-offs | 102.3251% | 2,157 |
| Earnings coverage of net charge-offs (x) | 3.1221% | 3,736 |
| Efficiency ratio | 69.8223% | 3,544 |
| Assets per employee ($millions) | 9.1875% | 318 |
| Cash dividends to net income (ytd only)* | 60.4229% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 4,313 |
| Loan loss allowance to noncurrent loans | 94.3686% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 3,566 |
| Noncurrent loans to loans | 1.2551% | 2,545 |
| Net loans and leases to total assets | 54.9269% | 4,469 |
| Net loans and leases to deposits | 70.9543% | 3,803 |
| Net loans and leases to core deposits | 71.7922% | 4,171 |
| Total domestic deposits to total assets | 77.0520% | 5,667 |
| Equity capital to assets | 13.8674% | 1,050 |
| Core capital (leverage) ratio | 9.1018% | 4,933 |
| Tier 1 risk-based capital ratio | 12.7985% | 4,978 |
| Total risk-based capital ratio | 13.8669% | 5,018 |
| Memoranda: | ||
| Average total assets | $240,527,949,250 | 9 |
| Average earning assets | $210,274,349,750 | 9 |
| Average equity | $34,147,020,750 | 7 |
| Average total loans | $135,645,564,000 | 7 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 1,807 |
| Cost of funding earning assets | 0.4838% | 2,986 |
| Net interest margin | 4.0220% | 1,753 |
| Noninterest income to average assets | 1.7705% | 420 |
| Noninterest expense to average assets | 3.8085% | 967 |
| Loan and lease loss provision to assets | 0.4416% | 368 |
| Net operating income to assets | 0.6729% | 3,973 |
| Return on assets (ROA) | 0.6962% | 3,951 |
| Pretax return on assets | 1.0554% | 3,261 |
| Return on Equity (ROE) | 4.8652% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.8652% | 3,041 |
| Net charge-offs to loans | 0.8228% | 460 |
| Credit loss provision to net charge-offs | 94.7002% | 2,101 |
| Earnings coverage of net charge-offs (x) | 3.1526% | 3,379 |
| Efficiency ratio | 69.9714% | 3,666 |
| Assets per employee ($millions) | 8.7801% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 4,631 |
| Loan loss allowance to noncurrent loans | 80.1405% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8722% | 3,360 |
| Noncurrent loans to loans | 1.4448% | 2,389 |
| Net loans and leases to total assets | 56.3415% | 4,236 |
| Net loans and leases to deposits | 70.2569% | 3,793 |
| Net loans and leases to core deposits | 71.1125% | 4,141 |
| Total domestic deposits to total assets | 79.8016% | 5,286 |
| Equity capital to assets | 14.3911% | 850 |
| Core capital (leverage) ratio | 9.4166% | 4,449 |
| Tier 1 risk-based capital ratio | 13.0875% | 4,865 |
| Total risk-based capital ratio | 14.1441% | 4,915 |
| Memoranda: | ||
| Average total assets | $238,206,505,670 | 9 |
| Average earning assets | $207,761,684,330 | 9 |
| Average equity | $34,089,102,670 | 7 |
| Average total loans | $135,004,372,000 | 7 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 1,738 |
| Cost of funding earning assets | 0.4887% | 3,025 |
| Net interest margin | 4.0331% | 1,653 |
| Noninterest income to average assets | 1.7462% | 417 |
| Noninterest expense to average assets | 3.8222% | 945 |
| Loan and lease loss provision to assets | 0.4767% | 323 |
| Net operating income to assets | 0.6068% | 4,167 |
| Return on assets (ROA) | 0.6665% | 3,949 |
| Pretax return on assets | 1.0263% | 3,225 |
| Return on Equity (ROE) | 4.6707% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.6707% | 3,316 |
| Net charge-offs to loans | 0.9187% | 380 |
| Credit loss provision to net charge-offs | 91.8151% | 1,782 |
| Earnings coverage of net charge-offs (x) | 2.7684% | 2,804 |
| Efficiency ratio | 70.4316% | 3,756 |
| Assets per employee ($millions) | 9.6141% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1856% | 4,704 |
| Loan loss allowance to noncurrent loans | 79.7223% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8867% | 3,521 |
| Noncurrent loans to loans | 1.4872% | 2,554 |
| Net loans and leases to total assets | 55.8621% | 4,159 |
| Net loans and leases to deposits | 68.1337% | 3,843 |
| Net loans and leases to core deposits | 69.0522% | 4,195 |
| Total domestic deposits to total assets | 81.4877% | 5,097 |
| Equity capital to assets | 14.4273% | 807 |
| Core capital (leverage) ratio | 9.2288% | 4,673 |
| Tier 1 risk-based capital ratio | 13.2726% | 4,841 |
| Total risk-based capital ratio | 14.3574% | 4,881 |
| Memoranda: | ||
| Average total assets | $237,514,669,500 | 9 |
| Average earning assets | $206,910,902,500 | 9 |
| Average equity | $33,893,778,000 | 7 |
| Average total loans | $134,221,605,500 | 7 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 1,221 |
| Cost of funding earning assets | 0.5202% | 3,393 |
| Net interest margin | 4.3220% | 1,051 |
| Noninterest income to average assets | 1.8935% | 426 |
| Noninterest expense to average assets | 4.0207% | 855 |
| Loan and lease loss provision to assets | 0.4982% | 562 |
| Net operating income to assets | 0.7781% | 3,401 |
| Return on assets (ROA) | 0.6746% | 4,014 |
| Pretax return on assets | 1.0377% | 3,203 |
| Return on Equity (ROE) | 4.6738% | 4,800 |
| Retained earnings to average equity (ytd only) | -4.6884% | 6,351 |
| Net charge-offs to loans | 0.9478% | 633 |
| Credit loss provision to net charge-offs | 92.9435% | 2,678 |
| Earnings coverage of net charge-offs (x) | 3.0646% | 3,968 |
| Efficiency ratio | 68.4095% | 4,125 |
| Assets per employee ($millions) | 9.5876% | 264 |
| Cash dividends to net income (ytd only)* | 200.3122% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 4,683 |
| Loan loss allowance to noncurrent loans | 75.8387% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 3,558 |
| Noncurrent loans to loans | 1.5765% | 2,532 |
| Net loans and leases to total assets | 55.8142% | 4,347 |
| Net loans and leases to deposits | 70.6715% | 3,702 |
| Net loans and leases to core deposits | 71.6775% | 4,112 |
| Total domestic deposits to total assets | 78.4764% | 5,744 |
| Equity capital to assets | 14.1143% | 873 |
| Core capital (leverage) ratio | 8.9994% | 5,008 |
| Tier 1 risk-based capital ratio | 12.7278% | 5,155 |
| Total risk-based capital ratio | 13.8117% | 5,201 |
| Memoranda: | ||
| Average total assets | $240,516,040,400 | 8 |
| Average earning assets | $209,780,912,800 | 8 |
| Average equity | $34,714,350,000 | 7 |
| Average total loans | $136,013,282,000 | 7 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 1,070 |
| Cost of funding earning assets | 0.5264% | 3,503 |
| Net interest margin | 4.4013% | 892 |
| Noninterest income to average assets | 1.8581% | 458 |
| Noninterest expense to average assets | 3.9711% | 886 |
| Loan and lease loss provision to assets | 0.4580% | 620 |
| Net operating income to assets | 0.8272% | 3,214 |
| Return on assets (ROA) | 0.7411% | 3,770 |
| Pretax return on assets | 1.1786% | 2,788 |
| Return on Equity (ROE) | 5.1069% | 4,672 |
| Retained earnings to average equity (ytd only) | 5.1069% | 3,003 |
| Net charge-offs to loans | 0.9280% | 625 |
| Credit loss provision to net charge-offs | 87.2582% | 2,686 |
| Earnings coverage of net charge-offs (x) | 3.2918% | 3,747 |
| Efficiency ratio | 67.1328% | 4,276 |
| Assets per employee ($millions) | 9.7109% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 4,810 |
| Loan loss allowance to noncurrent loans | 76.5332% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 3,781 |
| Noncurrent loans to loans | 1.5843% | 2,790 |
| Net loans and leases to total assets | 54.9964% | 4,460 |
| Net loans and leases to deposits | 68.6302% | 3,980 |
| Net loans and leases to core deposits | 69.7345% | 4,353 |
| Total domestic deposits to total assets | 79.6420% | 5,595 |
| Equity capital to assets | 14.3943% | 854 |
| Core capital (leverage) ratio | 9.1112% | 4,952 |
| Tier 1 risk-based capital ratio | 13.4255% | 4,813 |
| Total risk-based capital ratio | 14.5394% | 4,850 |
| Memoranda: | ||
| Average total assets | $241,024,324,750 | 8 |
| Average earning assets | $210,333,980,500 | 8 |
| Average equity | $34,977,864,000 | 7 |
| Average total loans | $136,337,121,500 | 7 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9064% | 1,082 |
| Cost of funding earning assets | 0.5255% | 3,648 |
| Net interest margin | 4.3808% | 881 |
| Noninterest income to average assets | 1.8251% | 509 |
| Noninterest expense to average assets | 3.9378% | 932 |
| Loan and lease loss provision to assets | 0.4340% | 681 |
| Net operating income to assets | 0.8806% | 2,895 |
| Return on assets (ROA) | 0.7065% | 3,945 |
| Pretax return on assets | 1.0993% | 3,097 |
| Return on Equity (ROE) | 4.8554% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.8554% | 3,142 |
| Net charge-offs to loans | 0.8964% | 698 |
| Credit loss provision to net charge-offs | 85.1527% | 2,541 |
| Earnings coverage of net charge-offs (x) | 3.3611% | 3,414 |
| Efficiency ratio | 67.0568% | 4,348 |
| Assets per employee ($millions) | 9.8095% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 5,087 |
| Loan loss allowance to noncurrent loans | 71.3232% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 3,690 |
| Noncurrent loans to loans | 1.6564% | 2,830 |
| Net loans and leases to total assets | 57.3780% | 4,080 |
| Net loans and leases to deposits | 71.3461% | 3,540 |
| Net loans and leases to core deposits | 72.6118% | 3,973 |
| Total domestic deposits to total assets | 79.9364% | 5,614 |
| Equity capital to assets | 14.4694% | 831 |
| Core capital (leverage) ratio | 9.0258% | 4,945 |
| Tier 1 risk-based capital ratio | 12.9905% | 5,150 |
| Total risk-based capital ratio | 14.0884% | 5,194 |
| Memoranda: | ||
| Average total assets | $243,108,636,330 | 8 |
| Average earning assets | $212,300,977,000 | 8 |
| Average equity | $35,372,551,000 | 7 |
| Average total loans | $138,215,998,670 | 7 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8494% | 1,199 |
| Cost of funding earning assets | 0.5193% | 3,889 |
| Net interest margin | 4.3301% | 909 |
| Noninterest income to average assets | 1.7579% | 520 |
| Noninterest expense to average assets | 3.9138% | 982 |
| Loan and lease loss provision to assets | 0.4580% | 616 |
| Net operating income to assets | 0.8213% | 3,042 |
| Return on assets (ROA) | 0.6711% | 3,995 |
| Pretax return on assets | 1.0124% | 3,296 |
| Return on Equity (ROE) | 4.6004% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.6004% | 3,477 |
| Net charge-offs to loans | 0.9944% | 616 |
| Credit loss provision to net charge-offs | 81.8335% | 2,136 |
| Earnings coverage of net charge-offs (x) | 2.9131% | 2,899 |
| Efficiency ratio | 67.8368% | 4,335 |
| Assets per employee ($millions) | 10.1183% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 5,177 |
| Loan loss allowance to noncurrent loans | 70.6344% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.0378% | 3,861 |
| Noncurrent loans to loans | 1.6983% | 2,996 |
| Net loans and leases to total assets | 55.6546% | 4,140 |
| Net loans and leases to deposits | 71.0427% | 3,320 |
| Net loans and leases to core deposits | 72.4629% | 3,764 |
| Total domestic deposits to total assets | 77.7964% | 6,140 |
| Equity capital to assets | 14.5765% | 855 |
| Core capital (leverage) ratio | 9.0059% | 4,875 |
| Tier 1 risk-based capital ratio | 13.4449% | 4,913 |
| Total risk-based capital ratio | 14.5875% | 4,933 |
| Memoranda: | ||
| Average total assets | $247,041,653,000 | 8 |
| Average earning assets | $216,009,015,000 | 8 |
| Average equity | $36,039,732,000 | 7 |
| Average total loans | $139,028,359,500 | 7 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 3,589 |
| Cost of funding earning assets | 0.5424% | 4,883 |
| Net interest margin | 3.9133% | 2,769 |
| Noninterest income to average assets | 1.8375% | 496 |
| Noninterest expense to average assets | 3.7553% | 1,320 |
| Loan and lease loss provision to assets | 0.6371% | 846 |
| Net operating income to assets | 0.6270% | 4,102 |
| Return on assets (ROA) | 0.5365% | 4,794 |
| Pretax return on assets | 0.7829% | 4,359 |
| Return on Equity (ROE) | 3.5621% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.5621% | 3,706 |
| Net charge-offs to loans | 0.8450% | 1,364 |
| Credit loss provision to net charge-offs | 139.4780% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3.3082% | 3,779 |
| Efficiency ratio | 68.4574% | 4,063 |
| Assets per employee ($millions) | 10.1624% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 4,108 |
| Loan loss allowance to noncurrent loans | 88.3269% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 4,068 |
| Noncurrent loans to loans | 1.6003% | 3,225 |
| Net loans and leases to total assets | 55.4311% | 4,390 |
| Net loans and leases to deposits | 72.5525% | 3,317 |
| Net loans and leases to core deposits | 73.9771% | 3,784 |
| Total domestic deposits to total assets | 75.9541% | 6,359 |
| Equity capital to assets | 14.6002% | 841 |
| Core capital (leverage) ratio | 9.1290% | 4,689 |
| Tier 1 risk-based capital ratio | 13.5629% | 4,707 |
| Total risk-based capital ratio | 14.7923% | 4,669 |
| Memoranda: | ||
| Average total assets | $243,716,242,400 | 8 |
| Average earning assets | $213,547,062,600 | 8 |
| Average equity | $36,704,318,800 | 5 |
| Average total loans | $131,745,564,800 | 7 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3312% | 172 |
| Cost of funding earning assets | 0.4877% | 5,520 |
| Net interest margin | 5.8435% | 107 |
| Noninterest income to average assets | 2.9830% | 247 |
| Noninterest expense to average assets | 5.5598% | 260 |
| Loan and lease loss provision to assets | 1.0275% | 390 |
| Net operating income to assets | 0.8528% | 3,199 |
| Return on assets (ROA) | 0.6586% | 4,366 |
| Pretax return on assets | 0.9866% | 3,765 |
| Return on Equity (ROE) | 3.5544% | 5,476 |
| Retained earnings to average equity (ytd only) | 3.5544% | 4,377 |
| Net charge-offs to loans | 0.9956% | 1,066 |
| Credit loss provision to net charge-offs | 167.9856% | 1,654 |
| Earnings coverage of net charge-offs (x) | 3.6112% | 3,578 |
| Efficiency ratio | 69.2396% | 3,829 |
| Assets per employee ($millions) | 7.5197% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 2,272 |
| Loan loss allowance to noncurrent loans | 109.9983% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.1923% | 3,903 |
| Noncurrent loans to loans | 1.7868% | 3,094 |
| Net loans and leases to total assets | 62.2213% | 3,344 |
| Net loans and leases to deposits | 94.3867% | 760 |
| Net loans and leases to core deposits | 105.3629% | 775 |
| Total domestic deposits to total assets | 64.4727% | 7,005 |
| Equity capital to assets | 18.3478% | 336 |
| Core capital (leverage) ratio | 10.2164% | 3,265 |
| Tier 1 risk-based capital ratio | 12.2880% | 5,777 |
| Total risk-based capital ratio | 13.5132% | 5,768 |
| Memoranda: | ||
| Average total assets | $146,500,398,250 | 14 |
| Average earning assets | $119,978,096,250 | 14 |
| Average equity | $27,144,748,500 | 8 |
| Average total loans | $90,006,191,000 | 11 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9371% | 324 |
| Cost of funding earning assets | 0.4904% | 5,680 |
| Net interest margin | 5.4467% | 191 |
| Noninterest income to average assets | 3.0025% | 243 |
| Noninterest expense to average assets | 5.5894% | 257 |
| Loan and lease loss provision to assets | 1.2469% | 327 |
| Net operating income to assets | 0.4658% | 4,973 |
| Return on assets (ROA) | 0.1809% | 6,148 |
| Pretax return on assets | 0.3164% | 5,931 |
| Return on Equity (ROE) | 0.9729% | 6,303 |
| Retained earnings to average equity (ytd only) | 0.9729% | 5,684 |
| Net charge-offs to loans | 0.8300% | 1,335 |
| Credit loss provision to net charge-offs | 247.6352% | 1,166 |
| Earnings coverage of net charge-offs (x) | 3.6702% | 3,307 |
| Efficiency ratio | 72.9917% | 3,241 |
| Assets per employee ($millions) | 7.3958% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0580% | 2,091 |
| Loan loss allowance to noncurrent loans | 117.1202% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.1896% | 4,027 |
| Noncurrent loans to loans | 1.7571% | 3,264 |
| Net loans and leases to total assets | 62.5950% | 3,313 |
| Net loans and leases to deposits | 93.7371% | 795 |
| Net loans and leases to core deposits | 105.0986% | 787 |
| Total domestic deposits to total assets | 65.1552% | 7,061 |
| Equity capital to assets | 18.2275% | 323 |
| Core capital (leverage) ratio | 10.3952% | 2,926 |
| Tier 1 risk-based capital ratio | 11.7472% | 6,089 |
| Total risk-based capital ratio | 12.9727% | 6,076 |
| Memoranda: | ||
| Average total assets | $141,572,735,330 | 14 |
| Average earning assets | $115,272,968,670 | 14 |
| Average equity | $26,329,034,000 | 8 |
| Average total loans | $85,886,707,000 | 11 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6895% | 525 |
| Cost of funding earning assets | 0.5194% | 5,686 |
| Net interest margin | 5.1701% | 308 |
| Noninterest income to average assets | 3.0957% | 231 |
| Noninterest expense to average assets | 5.4333% | 279 |
| Loan and lease loss provision to assets | 0.4524% | 1,363 |
| Net operating income to assets | 1.0386% | 2,332 |
| Return on assets (ROA) | 0.7362% | 3,941 |
| Pretax return on assets | 1.0893% | 3,368 |
| Return on Equity (ROE) | 3.9123% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.9123% | 4,240 |
| Net charge-offs to loans | 0.9662% | 1,069 |
| Credit loss provision to net charge-offs | 79.7108% | 2,731 |
| Earnings coverage of net charge-offs (x) | 3.2482% | 2,903 |
| Efficiency ratio | 72.8579% | 3,280 |
| Assets per employee ($millions) | 6.3198% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 2,596 |
| Loan loss allowance to noncurrent loans | 93.2479% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.3432% | 3,876 |
| Noncurrent loans to loans | 2.0660% | 3,071 |
| Net loans and leases to total assets | 58.0536% | 4,023 |
| Net loans and leases to deposits | 75.6934% | 2,846 |
| Net loans and leases to core deposits | 81.1220% | 2,937 |
| Total domestic deposits to total assets | 73.8890% | 6,759 |
| Equity capital to assets | 19.1343% | 269 |
| Core capital (leverage) ratio | 9.4108% | 4,181 |
| Tier 1 risk-based capital ratio | 11.8805% | 6,038 |
| Total risk-based capital ratio | 13.0975% | 6,040 |
| Memoranda: | ||
| Average total assets | $133,238,894,500 | 14 |
| Average earning assets | $107,752,864,000 | 14 |
| Average equity | $25,071,949,000 | 8 |
| Average total loans | $78,264,153,000 | 14 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8879% | 537 |
| Cost of funding earning assets | 0.6951% | 5,570 |
| Net interest margin | 5.1928% | 289 |
| Noninterest income to average assets | 2.6760% | 244 |
| Noninterest expense to average assets | 5.2317% | 318 |
| Loan and lease loss provision to assets | 0.4990% | 2,108 |
| Net operating income to assets | 0.8485% | 2,829 |
| Return on assets (ROA) | 0.8877% | 2,786 |
| Pretax return on assets | 1.2007% | 2,452 |
| Return on Equity (ROE) | 4.6315% | 4,558 |
| Retained earnings to average equity (ytd only) | 1.8060% | 4,925 |
| Net charge-offs to loans | 1.3191% | 1,250 |
| Credit loss provision to net charge-offs | 66.9103% | 4,967 |
| Earnings coverage of net charge-offs (x) | 2.1750% | 4,156 |
| Efficiency ratio | 74.1312% | 3,216 |
| Assets per employee ($millions) | 6.5523% | 928 |
| Cash dividends to net income (ytd only)* | 61.0072% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9988% | 2,283 |
| Loan loss allowance to noncurrent loans | 89.2770% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 1.4281% | 3,850 |
| Noncurrent loans to loans | 2.2388% | 2,911 |
| Net loans and leases to total assets | 57.1221% | 4,527 |
| Net loans and leases to deposits | 78.5518% | 2,746 |
| Net loans and leases to core deposits | 82.7334% | 3,073 |
| Total domestic deposits to total assets | 71.4541% | 6,902 |
| Equity capital to assets | 18.5014% | 315 |
| Core capital (leverage) ratio | 8.6972% | 5,254 |
| Tier 1 risk-based capital ratio | 10.9584% | 6,475 |
| Total risk-based capital ratio | 12.1795% | 6,470 |
| Memoranda: | ||
| Average total assets | $129,250,660,000 | 14 |
| Average earning assets | $103,984,829,400 | 15 |
| Average equity | $24,773,851,400 | 10 |
| Average total loans | $73,077,147,600 | 16 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9548% | 503 |
| Cost of funding earning assets | 0.7287% | 5,605 |
| Net interest margin | 5.2261% | 276 |
| Noninterest income to average assets | 2.7134% | 245 |
| Noninterest expense to average assets | 5.0854% | 348 |
| Loan and lease loss provision to assets | 0.3825% | 2,564 |
| Net operating income to assets | 1.0598% | 2,105 |
| Return on assets (ROA) | 1.1068% | 2,087 |
| Pretax return on assets | 1.5475% | 1,526 |
| Return on Equity (ROE) | 5.7228% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.7228% | 2,728 |
| Net charge-offs to loans | 1.2975% | 1,192 |
| Credit loss provision to net charge-offs | 52.5686% | 4,982 |
| Earnings coverage of net charge-offs (x) | 2.5100% | 3,877 |
| Efficiency ratio | 71.3367% | 3,684 |
| Assets per employee ($millions) | 6.4756% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0822% | 2,109 |
| Loan loss allowance to noncurrent loans | 83.2664% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.5792% | 3,722 |
| Noncurrent loans to loans | 2.5007% | 2,769 |
| Net loans and leases to total assets | 56.0020% | 4,843 |
| Net loans and leases to deposits | 73.9437% | 3,665 |
| Net loans and leases to core deposits | 80.4851% | 3,567 |
| Total domestic deposits to total assets | 72.4594% | 6,901 |
| Equity capital to assets | 19.6178% | 271 |
| Core capital (leverage) ratio | 9.2332% | 4,568 |
| Tier 1 risk-based capital ratio | 12.2622% | 5,691 |
| Total risk-based capital ratio | 13.4852% | 5,701 |
| Memoranda: | ||
| Average total assets | $128,193,885,000 | 14 |
| Average earning assets | $102,986,266,750 | 15 |
| Average equity | $24,793,490,250 | 10 |
| Average total loans | $71,896,361,500 | 16 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9636% | 510 |
| Cost of funding earning assets | 0.7517% | 5,656 |
| Net interest margin | 5.2119% | 273 |
| Noninterest income to average assets | 2.6753% | 245 |
| Noninterest expense to average assets | 4.9894% | 371 |
| Loan and lease loss provision to assets | 0.3153% | 2,907 |
| Net operating income to assets | 1.1046% | 1,860 |
| Return on assets (ROA) | 1.0324% | 2,193 |
| Pretax return on assets | 1.4794% | 1,587 |
| Return on Equity (ROE) | 5.3639% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.3639% | 2,768 |
| Net charge-offs to loans | 1.3893% | 1,090 |
| Credit loss provision to net charge-offs | 40.7375% | 4,806 |
| Earnings coverage of net charge-offs (x) | 2.4089% | 3,612 |
| Efficiency ratio | 70.4984% | 4,023 |
| Assets per employee ($millions) | 6.6038% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1880% | 1,946 |
| Loan loss allowance to noncurrent loans | 83.1241% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.6523% | 3,699 |
| Noncurrent loans to loans | 2.6321% | 2,753 |
| Net loans and leases to total assets | 55.3781% | 5,088 |
| Net loans and leases to deposits | 75.0639% | 3,640 |
| Net loans and leases to core deposits | 80.0527% | 3,781 |
| Total domestic deposits to total assets | 72.2860% | 6,986 |
| Equity capital to assets | 19.6029% | 282 |
| Core capital (leverage) ratio | 9.0634% | 4,623 |
| Tier 1 risk-based capital ratio | 11.9617% | 5,815 |
| Total risk-based capital ratio | 13.1871% | 5,813 |
| Memoranda: | ||
| Average total assets | $127,758,627,330 | 15 |
| Average earning assets | $102,428,494,670 | 16 |
| Average equity | $24,589,663,670 | 11 |
| Average total loans | $71,173,626,000 | 17 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9338% | 552 |
| Cost of funding earning assets | 0.7687% | 5,758 |
| Net interest margin | 5.1651% | 269 |
| Noninterest income to average assets | 2.5890% | 256 |
| Noninterest expense to average assets | 4.8617% | 409 |
| Loan and lease loss provision to assets | 0.3836% | 2,263 |
| Net operating income to assets | 1.1008% | 1,841 |
| Return on assets (ROA) | 1.0531% | 2,043 |
| Pretax return on assets | 1.4289% | 1,651 |
| Return on Equity (ROE) | 5.5226% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.5226% | 2,897 |
| Net charge-offs to loans | 1.6379% | 819 |
| Credit loss provision to net charge-offs | 42.3862% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.0544% | 3,271 |
| Efficiency ratio | 69.9803% | 4,280 |
| Assets per employee ($millions) | 6.5887% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4441% | 1,543 |
| Loan loss allowance to noncurrent loans | 70.2133% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 2.0799% | 3,222 |
| Noncurrent loans to loans | 3.4809% | 2,141 |
| Net loans and leases to total assets | 52.9356% | 5,462 |
| Net loans and leases to deposits | 69.3398% | 4,459 |
| Net loans and leases to core deposits | 78.1223% | 4,002 |
| Total domestic deposits to total assets | 71.8733% | 7,084 |
| Equity capital to assets | 19.0484% | 302 |
| Core capital (leverage) ratio | 8.3824% | 5,661 |
| Tier 1 risk-based capital ratio | 11.8092% | 5,851 |
| Total risk-based capital ratio | 13.0343% | 5,878 |
| Memoranda: | ||
| Average total assets | $127,822,498,000 | 16 |
| Average earning assets | $102,257,582,500 | 17 |
| Average equity | $24,374,841,500 | 10 |
| Average total loans | $70,630,177,000 | 16 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1054% | 692 |
| Cost of funding earning assets | 0.9253% | 6,049 |
| Net interest margin | 5.1801% | 296 |
| Noninterest income to average assets | 2.6984% | 264 |
| Noninterest expense to average assets | 4.9323% | 441 |
| Loan and lease loss provision to assets | 0.7003% | 2,341 |
| Net operating income to assets | 0.8087% | 2,758 |
| Return on assets (ROA) | 0.5853% | 3,898 |
| Pretax return on assets | 0.9441% | 3,120 |
| Return on Equity (ROE) | 3.0594% | 4,932 |
| Retained earnings to average equity (ytd only) | 3.0594% | 3,710 |
| Net charge-offs to loans | 2.2135% | 880 |
| Credit loss provision to net charge-offs | 56.3640% | 6,147 |
| Earnings coverage of net charge-offs (x) | 1.4961% | 4,635 |
| Efficiency ratio | 70.1012% | 4,160 |
| Assets per employee ($millions) | 6.9277% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6246% | 1,266 |
| Loan loss allowance to noncurrent loans | 78.7416% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 2.1162% | 3,196 |
| Noncurrent loans to loans | 3.3332% | 2,279 |
| Net loans and leases to total assets | 54.7888% | 5,527 |
| Net loans and leases to deposits | 71.9797% | 4,524 |
| Net loans and leases to core deposits | 82.7190% | 3,790 |
| Total domestic deposits to total assets | 71.4458% | 7,138 |
| Equity capital to assets | 19.0905% | 314 |
| Core capital (leverage) ratio | 8.0560% | 6,108 |
| Tier 1 risk-based capital ratio | 11.0676% | 6,278 |
| Total risk-based capital ratio | 12.3560% | 6,218 |
| Memoranda: | ||
| Average total assets | $125,227,228,800 | 17 |
| Average earning assets | $98,936,783,600 | 17 |
| Average equity | $23,955,241,200 | 10 |
| Average total loans | $70,287,374,000 | 16 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1481% | 684 |
| Cost of funding earning assets | 0.9536% | 6,154 |
| Net interest margin | 5.1944% | 300 |
| Noninterest income to average assets | 2.7268% | 246 |
| Noninterest expense to average assets | 4.8647% | 420 |
| Loan and lease loss provision to assets | 0.6137% | 2,488 |
| Net operating income to assets | 0.9588% | 2,378 |
| Return on assets (ROA) | 0.6604% | 3,760 |
| Pretax return on assets | 1.0549% | 2,981 |
| Return on Equity (ROE) | 3.4503% | 5,020 |
| Retained earnings to average equity (ytd only) | 3.4503% | 4,021 |
| Net charge-offs to loans | 2.2115% | 811 |
| Credit loss provision to net charge-offs | 49.4723% | 5,893 |
| Earnings coverage of net charge-offs (x) | 1.5776% | 4,539 |
| Efficiency ratio | 68.7666% | 4,316 |
| Assets per employee ($millions) | 6.8049% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7384% | 1,047 |
| Loan loss allowance to noncurrent loans | 81.0201% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 2.1752% | 3,241 |
| Noncurrent loans to loans | 3.3798% | 2,357 |
| Net loans and leases to total assets | 55.7323% | 5,585 |
| Net loans and leases to deposits | 73.3529% | 4,626 |
| Net loans and leases to core deposits | 85.1996% | 3,769 |
| Total domestic deposits to total assets | 71.2317% | 7,200 |
| Equity capital to assets | 19.3920% | 324 |
| Core capital (leverage) ratio | 8.0765% | 6,237 |
| Tier 1 risk-based capital ratio | 10.9384% | 6,434 |
| Total risk-based capital ratio | 12.2258% | 6,382 |
| Memoranda: | ||
| Average total assets | $124,808,716,000 | 17 |
| Average earning assets | $98,386,551,250 | 17 |
| Average equity | $23,887,540,500 | 9 |
| Average total loans | $70,008,791,000 | 16 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1152% | 737 |
| Cost of funding earning assets | 0.9754% | 6,259 |
| Net interest margin | 5.1398% | 319 |
| Noninterest income to average assets | 2.8077% | 231 |
| Noninterest expense to average assets | 4.8424% | 422 |
| Loan and lease loss provision to assets | 0.4409% | 3,113 |
| Net operating income to assets | 1.1356% | 1,737 |
| Return on assets (ROA) | 0.6817% | 3,626 |
| Pretax return on assets | 1.1134% | 2,740 |
| Return on Equity (ROE) | 3.5778% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.5778% | 3,820 |
| Net charge-offs to loans | 2.3336% | 753 |
| Credit loss provision to net charge-offs | 33.9285% | 5,681 |
| Earnings coverage of net charge-offs (x) | 1.5433% | 4,335 |
| Efficiency ratio | 68.1454% | 4,557 |
| Assets per employee ($millions) | 6.6769% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9267% | 886 |
| Loan loss allowance to noncurrent loans | 79.6207% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 2.2855% | 3,151 |
| Noncurrent loans to loans | 3.6758% | 2,131 |
| Net loans and leases to total assets | 54.1822% | 5,965 |
| Net loans and leases to deposits | 71.3507% | 5,100 |
| Net loans and leases to core deposits | 82.5126% | 4,346 |
| Total domestic deposits to total assets | 71.9648% | 7,187 |
| Equity capital to assets | 19.5261% | 309 |
| Core capital (leverage) ratio | 7.7899% | 6,512 |
| Tier 1 risk-based capital ratio | 10.5187% | 6,669 |
| Total risk-based capital ratio | 11.8690% | 6,592 |
| Memoranda: | ||
| Average total assets | $124,643,272,000 | 17 |
| Average earning assets | $97,976,654,330 | 17 |
| Average equity | $23,750,339,330 | 9 |
| Average total loans | $69,411,189,000 | 16 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1931% | 650 |
| Cost of funding earning assets | 1.0137% | 6,309 |
| Net interest margin | 5.1794% | 305 |
| Noninterest income to average assets | 3.0619% | 212 |
| Noninterest expense to average assets | 4.7356% | 468 |
| Loan and lease loss provision to assets | 1.0367% | 1,195 |
| Net operating income to assets | 1.0342% | 2,056 |
| Return on assets (ROA) | 0.8158% | 2,995 |
| Pretax return on assets | 1.1501% | 2,551 |
| Return on Equity (ROE) | 4.3341% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.3341% | 3,553 |
| Net charge-offs to loans | 2.5538% | 635 |
| Credit loss provision to net charge-offs | 72.9791% | 4,034 |
| Earnings coverage of net charge-offs (x) | 1.6826% | 3,726 |
| Efficiency ratio | 63.9660% | 5,499 |
| Assets per employee ($millions) | 6.8314% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5316% | 532 |
| Loan loss allowance to noncurrent loans | 86.5733% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 2.4971% | 2,910 |
| Noncurrent loans to loans | 4.0793% | 1,910 |
| Net loans and leases to total assets | 53.8969% | 6,035 |
| Net loans and leases to deposits | 70.3757% | 5,287 |
| Net loans and leases to core deposits | 81.8478% | 4,513 |
| Total domestic deposits to total assets | 72.9999% | 7,160 |
| Equity capital to assets | 19.2438% | 322 |
| Core capital (leverage) ratio | 7.4247% | 6,914 |
| Tier 1 risk-based capital ratio | 10.2498% | 6,845 |
| Total risk-based capital ratio | 11.5942% | 6,766 |
| Memoranda: | ||
| Average total assets | $125,203,248,000 | 16 |
| Average earning assets | $98,240,859,500 | 17 |
| Average equity | $23,565,879,500 | 9 |
| Average total loans | $69,644,052,500 | 16 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4635% | 721 |
| Cost of funding earning assets | 1.3770% | 6,028 |
| Net interest margin | 5.0865% | 374 |
| Noninterest income to average assets | 2.5847% | 262 |
| Noninterest expense to average assets | 4.5613% | 750 |
| Loan and lease loss provision to assets | 1.8777% | 1,189 |
| Net operating income to assets | 0.0238% | 5,418 |
| Return on assets (ROA) | 0.0657% | 5,347 |
| Pretax return on assets | 0.0764% | 5,265 |
| Return on Equity (ROE) | 0.3702% | 5,421 |
| Retained earnings to average equity (ytd only) | 0.3702% | 4,698 |
| Net charge-offs to loans | 2.8127% | 789 |
| Credit loss provision to net charge-offs | 114.6005% | 4,778 |
| Earnings coverage of net charge-offs (x) | 1.1615% | 4,962 |
| Efficiency ratio | 67.8705% | 5,026 |
| Assets per employee ($millions) | 7.1226% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5920% | 495 |
| Loan loss allowance to noncurrent loans | 92.9731% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 2.3204% | 2,979 |
| Noncurrent loans to loans | 3.8635% | 1,926 |
| Net loans and leases to total assets | 53.3984% | 6,261 |
| Net loans and leases to deposits | 71.1841% | 5,446 |
| Net loans and leases to core deposits | 82.8132% | 5,840 |
| Total domestic deposits to total assets | 69.4325% | 7,466 |
| Equity capital to assets | 18.4147% | 416 |
| Core capital (leverage) ratio | 7.4195% | 6,866 |
| Tier 1 risk-based capital ratio | 10.2198% | 6,662 |
| Total risk-based capital ratio | 11.4553% | 6,648 |
| Memoranda: | ||
| Average total assets | $131,645,293,000 | 15 |
| Average earning assets | $100,410,084,000 | 17 |
| Average equity | $23,351,964,000 | 9 |
| Average total loans | $76,688,487,800 | 15 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5933% | 622 |
| Cost of funding earning assets | 1.4713% | 5,952 |
| Net interest margin | 5.1220% | 343 |
| Noninterest income to average assets | 2.6208% | 256 |
| Noninterest expense to average assets | 4.4534% | 782 |
| Loan and lease loss provision to assets | 1.8210% | 1,026 |
| Net operating income to assets | 0.1634% | 5,276 |
| Return on assets (ROA) | 0.2039% | 5,228 |
| Pretax return on assets | 0.3144% | 5,020 |
| Return on Equity (ROE) | 1.1602% | 5,440 |
| Retained earnings to average equity (ytd only) | 1.1602% | 4,677 |
| Net charge-offs to loans | 2.5829% | 706 |
| Credit loss provision to net charge-offs | 119.6124% | 4,247 |
| Earnings coverage of net charge-offs (x) | 1.3462% | 4,773 |
| Efficiency ratio | 65.8401% | 5,396 |
| Assets per employee ($millions) | 7.1046% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5157% | 414 |
| Loan loss allowance to noncurrent loans | 98.4616% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 2.2405% | 3,048 |
| Noncurrent loans to loans | 3.5706% | 2,094 |
| Net loans and leases to total assets | 55.6144% | 6,182 |
| Net loans and leases to deposits | 75.8987% | 5,068 |
| Net loans and leases to core deposits | 88.6451% | 5,574 |
| Total domestic deposits to total assets | 68.4944% | 7,533 |
| Equity capital to assets | 18.6346% | 451 |
| Core capital (leverage) ratio | 7.5716% | 6,894 |
| Tier 1 risk-based capital ratio | 10.7049% | 6,242 |
| Total risk-based capital ratio | 11.9757% | 6,194 |
| Memoranda: | ||
| Average total assets | $132,716,605,000 | 17 |
| Average earning assets | $100,588,440,000 | 18 |
| Average equity | $23,326,720,500 | 8 |
| Average total loans | $78,225,090,500 | 15 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5713% | 698 |
| Cost of funding earning assets | 1.5802% | 5,809 |
| Net interest margin | 4.9912% | 437 |
| Noninterest income to average assets | 2.8450% | 228 |
| Noninterest expense to average assets | 4.6740% | 656 |
| Loan and lease loss provision to assets | 1.8903% | 867 |
| Net operating income to assets | 0.2969% | 4,911 |
| Return on assets (ROA) | 0.3015% | 5,002 |
| Pretax return on assets | 0.3748% | 5,000 |
| Return on Equity (ROE) | 1.6985% | 5,403 |
| Retained earnings to average equity (ytd only) | 1.6985% | 4,395 |
| Net charge-offs to loans | 2.8794% | 569 |
| Credit loss provision to net charge-offs | 113.0460% | 4,102 |
| Earnings coverage of net charge-offs (x) | 1.3448% | 4,517 |
| Efficiency ratio | 65.3159% | 5,656 |
| Assets per employee ($millions) | 8.1157% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6336% | 338 |
| Loan loss allowance to noncurrent loans | 182.2405% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 1.1860% | 4,563 |
| Noncurrent loans to loans | 1.9939% | 3,532 |
| Net loans and leases to total assets | 54.1423% | 6,432 |
| Net loans and leases to deposits | 82.6023% | 4,119 |
| Net loans and leases to core deposits | 96.1825% | 4,883 |
| Total domestic deposits to total assets | 62.0472% | 7,889 |
| Equity capital to assets | 18.1163% | 537 |
| Core capital (leverage) ratio | 8.3283% | 5,746 |
| Tier 1 risk-based capital ratio | 11.5648% | 5,316 |
| Total risk-based capital ratio | 12.8880% | 5,190 |
| Memoranda: | ||
| Average total assets | $117,160,978,330 | 18 |
| Average earning assets | $95,718,793,330 | 17 |
| Average equity | $20,798,002,000 | 9 |
| Average total loans | $68,038,670,000 | 17 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6095% | 696 |
| Cost of funding earning assets | 1.7027% | 5,585 |
| Net interest margin | 4.9068% | 496 |
| Noninterest income to average assets | 2.9013% | 219 |
| Noninterest expense to average assets | 4.4997% | 708 |
| Loan and lease loss provision to assets | 1.8663% | 658 |
| Net operating income to assets | 0.3253% | 5,187 |
| Return on assets (ROA) | 0.2322% | 5,717 |
| Pretax return on assets | 0.4442% | 5,257 |
| Return on Equity (ROE) | 1.3215% | 6,033 |
| Retained earnings to average equity (ytd only) | 1.3215% | 5,108 |
| Net charge-offs to loans | 2.7265% | 484 |
| Credit loss provision to net charge-offs | 115.9606% | 3,363 |
| Earnings coverage of net charge-offs (x) | 1.4961% | 3,987 |
| Efficiency ratio | 62.8942% | 5,893 |
| Assets per employee ($millions) | 7.6777% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4667% | 331 |
| Loan loss allowance to noncurrent loans | 214.3320% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 4,683 |
| Noncurrent loans to loans | 1.6174% | 3,850 |
| Net loans and leases to total assets | 55.7416% | 6,277 |
| Net loans and leases to deposits | 79.7005% | 4,663 |
| Net loans and leases to core deposits | 95.5568% | 5,018 |
| Total domestic deposits to total assets | 64.6570% | 7,811 |
| Equity capital to assets | 17.7321% | 640 |
| Core capital (leverage) ratio | 8.0517% | 6,377 |
| Tier 1 risk-based capital ratio | 10.9000% | 5,994 |
| Total risk-based capital ratio | 12.2205% | 5,836 |
| Memoranda: | ||
| Average total assets | $116,658,895,500 | 19 |
| Average earning assets | $95,248,340,500 | 19 |
| Average equity | $20,493,421,500 | 9 |
| Average total loans | $68,863,139,500 | 18 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4389% | 465 |
| Cost of funding earning assets | 2.4347% | 4,548 |
| Net interest margin | 5.0042% | 502 |
| Noninterest income to average assets | 0.9694% | 1,693 |
| Noninterest expense to average assets | 3.6346% | 2,069 |
| Loan and lease loss provision to assets | 2.2834% | 494 |
| Net operating income to assets | -0.8116% | 7,143 |
| Return on assets (ROA) | -0.9305% | 7,131 |
| Pretax return on assets | -1.0401% | 7,022 |
| Return on Equity (ROE) | -4.8808% | 6,853 |
| Retained earnings to average equity (ytd only) | -4.8808% | 6,492 |
| Net charge-offs to loans | 2.0390% | 523 |
| Credit loss provision to net charge-offs | 180.0771% | 2,800 |
| Earnings coverage of net charge-offs (x) | 1.0741% | 5,592 |
| Efficiency ratio | 56.1232% | 6,988 |
| Assets per employee ($millions) | 7.1731% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3155% | 332 |
| Loan loss allowance to noncurrent loans | 262.9073% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.8383% | 4,752 |
| Noncurrent loans to loans | 1.2611% | 3,989 |
| Net loans and leases to total assets | 58.3486% | 6,154 |
| Net loans and leases to deposits | 77.2470% | 5,439 |
| Net loans and leases to core deposits | 96.5229% | 5,206 |
| Total domestic deposits to total assets | 66.8216% | 7,590 |
| Equity capital to assets | 17.3974% | 729 |
| Core capital (leverage) ratio | 7.8144% | 6,781 |
| Tier 1 risk-based capital ratio | 10.5003% | 6,210 |
| Total risk-based capital ratio | 11.8198% | 6,041 |
| Memoranda: | ||
| Average total assets | $107,514,613,600 | 19 |
| Average earning assets | $86,523,322,200 | 19 |
| Average equity | $20,497,213,600 | 9 |
| Average total loans | $66,861,320,800 | 17 |