Home > CIBC Bank USA > Performance and Condition Ratios
CIBC Bank USA, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5339% | 669 |
| Cost of funding earning assets | 3.2620% | 299 |
| Net interest margin | 3.2719% | 2,563 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 1.1698% | 4,381 |
| Loan and lease loss provision to assets | 0.2500% | 506 |
| Net operating income to assets | 1.5160% | 879 |
| Return on assets (ROA) | 1.5212% | 872 |
| Pretax return on assets | 2.0008% | 603 |
| Return on Equity (ROE) | 9.0100% | 2,461 |
| Retained earnings to average equity (ytd only) | 9.0087% | 793 |
| Net charge-offs to loans | 0.2908% | 512 |
| Credit loss provision to net charge-offs | 139.5635% | 1,487 |
| Earnings coverage of net charge-offs (x) | 12.6806% | 2,149 |
| Efficiency ratio | 34.0331% | 4,394 |
| Assets per employee ($millions) | 24.8153% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,139 |
| Loan loss allowance to noncurrent loans | 91.2185% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 733 |
| Noncurrent loans to loans | 1.5915% | 577 |
| Net loans and leases to total assets | 58.0500% | 3,099 |
| Net loans and leases to deposits | 72.3355% | 2,775 |
| Net loans and leases to core deposits | 84.1006% | 2,500 |
| Total domestic deposits to total assets | 80.2500% | 3,534 |
| Equity capital to assets | 16.4559% | 430 |
| Core capital (leverage) ratio | 12.7959% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0298% | 887 |
| Memoranda: | ||
| Average total assets | $57,237,788,000 | 43 |
| Average earning assets | $52,806,796,600 | 42 |
| Average equity | $9,665,243,400 | 31 |
| Average total loans | $34,859,423,200 | 43 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6470% | 575 |
| Cost of funding earning assets | 3.3266% | 284 |
| Net interest margin | 3.3204% | 2,408 |
| Noninterest income to average assets | 0.4800% | 1,981 |
| Noninterest expense to average assets | 1.1423% | 4,412 |
| Loan and lease loss provision to assets | 0.2700% | 400 |
| Net operating income to assets | 1.5986% | 813 |
| Return on assets (ROA) | 1.6047% | 808 |
| Pretax return on assets | 2.1335% | 521 |
| Return on Equity (ROE) | 9.4400% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.4372% | 983 |
| Net charge-offs to loans | 0.2779% | 459 |
| Credit loss provision to net charge-offs | 152.3996% | 1,275 |
| Earnings coverage of net charge-offs (x) | 14.0102% | 1,969 |
| Efficiency ratio | 32.1025% | 4,437 |
| Assets per employee ($millions) | 24.4204% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,116 |
| Loan loss allowance to noncurrent loans | 112.4675% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7961% | 868 |
| Noncurrent loans to loans | 1.3130% | 751 |
| Net loans and leases to total assets | 59.3100% | 2,983 |
| Net loans and leases to deposits | 74.5321% | 2,643 |
| Net loans and leases to core deposits | 86.3697% | 2,392 |
| Total domestic deposits to total assets | 79.5800% | 3,527 |
| Equity capital to assets | 16.9317% | 420 |
| Core capital (leverage) ratio | 13.3009% | 996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0787% | 912 |
| Memoranda: | ||
| Average total assets | $56,167,973,250 | 45 |
| Average earning assets | $51,753,089,750 | 44 |
| Average equity | $9,550,764,000 | 33 |
| Average total loans | $34,515,046,750 | 45 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6478% | 539 |
| Cost of funding earning assets | 3.3170% | 259 |
| Net interest margin | 3.3308% | 2,340 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 1.1455% | 4,427 |
| Loan and lease loss provision to assets | 0.2400% | 441 |
| Net operating income to assets | 1.6492% | 741 |
| Return on assets (ROA) | 1.6565% | 729 |
| Pretax return on assets | 2.1936% | 485 |
| Return on Equity (ROE) | 9.7300% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.7273% | 943 |
| Net charge-offs to loans | 0.2486% | 447 |
| Credit loss provision to net charge-offs | 162.4480% | 1,155 |
| Earnings coverage of net charge-offs (x) | 15.7651% | 1,758 |
| Efficiency ratio | 31.8514% | 4,458 |
| Assets per employee ($millions) | 23.4076% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,191 |
| Loan loss allowance to noncurrent loans | 106.4479% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.8677% | 729 |
| Noncurrent loans to loans | 1.3718% | 656 |
| Net loans and leases to total assets | 61.9000% | 2,771 |
| Net loans and leases to deposits | 78.9760% | 2,286 |
| Net loans and leases to core deposits | 90.6435% | 2,100 |
| Total domestic deposits to total assets | 78.3800% | 3,662 |
| Equity capital to assets | 17.2629% | 375 |
| Core capital (leverage) ratio | 13.4327% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6846% | 974 |
| Memoranda: | ||
| Average total assets | $55,256,607,667 | 45 |
| Average earning assets | $50,846,609,333 | 44 |
| Average equity | $9,409,968,667 | 33 |
| Average total loans | $34,199,978,000 | 45 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6558% | 482 |
| Cost of funding earning assets | 3.3094% | 234 |
| Net interest margin | 3.3464% | 2,238 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 1.1932% | 4,446 |
| Loan and lease loss provision to assets | 0.1300% | 807 |
| Net operating income to assets | 1.6925% | 674 |
| Return on assets (ROA) | 1.6925% | 676 |
| Pretax return on assets | 2.2521% | 454 |
| Return on Equity (ROE) | 10.0100% | 2,127 |
| Retained earnings to average equity (ytd only) | 10.0081% | 1,108 |
| Net charge-offs to loans | 0.2845% | 328 |
| Credit loss provision to net charge-offs | 99.1461% | 1,173 |
| Earnings coverage of net charge-offs (x) | 13.6558% | 1,515 |
| Efficiency ratio | 33.1083% | 4,443 |
| Assets per employee ($millions) | 23.6260% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,314 |
| Loan loss allowance to noncurrent loans | 111.2921% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 765 |
| Noncurrent loans to loans | 1.2774% | 638 |
| Net loans and leases to total assets | 61.1800% | 2,744 |
| Net loans and leases to deposits | 77.1974% | 2,315 |
| Net loans and leases to core deposits | 88.8834% | 2,111 |
| Total domestic deposits to total assets | 79.2600% | 3,638 |
| Equity capital to assets | 17.0788% | 387 |
| Core capital (leverage) ratio | 13.0682% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4854% | 1,002 |
| Memoranda: | ||
| Average total assets | $54,947,927,000 | 44 |
| Average earning assets | $50,617,065,000 | 43 |
| Average equity | $9,292,210,000 | 33 |
| Average total loans | $33,751,205,500 | 43 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4546% | 367 |
| Cost of funding earning assets | 2.8543% | 190 |
| Net interest margin | 3.6003% | 1,969 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.2213% | 4,459 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 1.6131% | 848 |
| Return on assets (ROA) | 1.6131% | 817 |
| Pretax return on assets | 2.1401% | 533 |
| Return on Equity (ROE) | 9.7100% | 2,581 |
| Retained earnings to average equity (ytd only) | 9.7092% | 1,088 |
| Net charge-offs to loans | 0.1489% | 689 |
| Credit loss provision to net charge-offs | 263.1980% | 1,034 |
| Earnings coverage of net charge-offs (x) | 24.7958% | 1,749 |
| Efficiency ratio | 33.1085% | 4,474 |
| Assets per employee ($millions) | 24.1299% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4578% | 1,181 |
| Loan loss allowance to noncurrent loans | 151.8554% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 949 |
| Noncurrent loans to loans | 0.9600% | 770 |
| Net loans and leases to total assets | 59.8900% | 2,847 |
| Net loans and leases to deposits | 74.8540% | 2,553 |
| Net loans and leases to core deposits | 85.2333% | 2,364 |
| Total domestic deposits to total assets | 80.0100% | 3,461 |
| Equity capital to assets | 16.7425% | 402 |
| Core capital (leverage) ratio | 12.8647% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1780% | 1,053 |
| Memoranda: | ||
| Average total assets | $52,348,630,200 | 43 |
| Average earning assets | $48,121,981,200 | 42 |
| Average equity | $8,697,461,200 | 34 |
| Average total loans | $33,559,069,200 | 41 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3712% | 352 |
| Cost of funding earning assets | 2.7114% | 189 |
| Net interest margin | 3.6598% | 1,864 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.0391% | 4,517 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 1.7207% | 769 |
| Return on assets (ROA) | 1.7207% | 759 |
| Pretax return on assets | 2.2816% | 496 |
| Return on Equity (ROE) | 10.3800% | 2,536 |
| Retained earnings to average equity (ytd only) | 10.3776% | 1,302 |
| Net charge-offs to loans | 0.1614% | 526 |
| Credit loss provision to net charge-offs | 314.4455% | 853 |
| Earnings coverage of net charge-offs (x) | 24.7704% | 1,699 |
| Efficiency ratio | 27.4073% | 4,531 |
| Assets per employee ($millions) | 23.1912% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 1,230 |
| Loan loss allowance to noncurrent loans | 185.7045% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 1,146 |
| Noncurrent loans to loans | 0.7848% | 1,058 |
| Net loans and leases to total assets | 63.5100% | 2,505 |
| Net loans and leases to deposits | 79.8937% | 2,063 |
| Net loans and leases to core deposits | 90.6708% | 1,880 |
| Total domestic deposits to total assets | 79.4900% | 3,605 |
| Equity capital to assets | 17.0350% | 394 |
| Core capital (leverage) ratio | 13.0176% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6350% | 1,170 |
| Memoranda: | ||
| Average total assets | $51,723,948,250 | 44 |
| Average earning assets | $47,540,013,500 | 43 |
| Average equity | $8,576,120,500 | 34 |
| Average total loans | $33,615,002,250 | 42 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1989% | 348 |
| Cost of funding earning assets | 2.5562% | 170 |
| Net interest margin | 3.6427% | 1,931 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.0128% | 4,549 |
| Loan and lease loss provision to assets | 0.4000% | 206 |
| Net operating income to assets | 1.6608% | 850 |
| Return on assets (ROA) | 1.6608% | 851 |
| Pretax return on assets | 2.2051% | 528 |
| Return on Equity (ROE) | 10.1100% | 2,669 |
| Retained earnings to average equity (ytd only) | 10.1105% | 1,376 |
| Net charge-offs to loans | 0.2277% | 358 |
| Credit loss provision to net charge-offs | 272.4795% | 908 |
| Earnings coverage of net charge-offs (x) | 17.5229% | 1,797 |
| Efficiency ratio | 26.3850% | 4,561 |
| Assets per employee ($millions) | 23.5361% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,612 |
| Loan loss allowance to noncurrent loans | 190.8210% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4789% | 1,134 |
| Noncurrent loans to loans | 0.7225% | 1,036 |
| Net loans and leases to total assets | 65.3600% | 2,224 |
| Net loans and leases to deposits | 84.0566% | 1,664 |
| Net loans and leases to core deposits | 94.6537% | 1,540 |
| Total domestic deposits to total assets | 77.7600% | 3,875 |
| Equity capital to assets | 16.8571% | 395 |
| Core capital (leverage) ratio | 12.5342% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8363% | 1,350 |
| Memoranda: | ||
| Average total assets | $51,517,730,333 | 44 |
| Average earning assets | $47,345,286,333 | 43 |
| Average equity | $8,462,638,667 | 34 |
| Average total loans | $33,575,155,000 | 41 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8890% | 364 |
| Cost of funding earning assets | 2.2901% | 158 |
| Net interest margin | 3.5989% | 2,132 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 0.9929% | 4,627 |
| Loan and lease loss provision to assets | 0.6700% | 102 |
| Net operating income to assets | 1.4682% | 1,243 |
| Return on assets (ROA) | 1.4682% | 1,223 |
| Pretax return on assets | 1.9296% | 873 |
| Return on Equity (ROE) | 9.0600% | 3,031 |
| Retained earnings to average equity (ytd only) | 9.0565% | 1,935 |
| Net charge-offs to loans | 0.2519% | 304 |
| Credit loss provision to net charge-offs | 423.2431% | 599 |
| Earnings coverage of net charge-offs (x) | 15.9510% | 1,531 |
| Efficiency ratio | 25.9405% | 4,627 |
| Assets per employee ($millions) | 25.3627% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 1,649 |
| Loan loss allowance to noncurrent loans | 227.3626% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3983% | 1,299 |
| Noncurrent loans to loans | 0.6125% | 1,220 |
| Net loans and leases to total assets | 64.1300% | 2,238 |
| Net loans and leases to deposits | 83.6467% | 1,524 |
| Net loans and leases to core deposits | 88.6180% | 1,697 |
| Total domestic deposits to total assets | 76.6600% | 4,109 |
| Equity capital to assets | 16.2569% | 385 |
| Core capital (leverage) ratio | 12.2333% | 1,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3692% | 1,528 |
| Memoranda: | ||
| Average total assets | $51,539,843,000 | 48 |
| Average earning assets | $47,356,108,000 | 47 |
| Average equity | $8,355,480,000 | 37 |
| Average total loans | $33,305,392,000 | 43 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7781% | 2,339 |
| Cost of funding earning assets | 0.8630% | 300 |
| Net interest margin | 2.9151% | 3,644 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.0326% | 4,639 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.3816% | 1,173 |
| Return on assets (ROA) | 1.3816% | 1,132 |
| Pretax return on assets | 1.8256% | 692 |
| Return on Equity (ROE) | 8.7100% | 3,200 |
| Retained earnings to average equity (ytd only) | 8.7126% | 1,562 |
| Net charge-offs to loans | 0.1914% | 428 |
| Credit loss provision to net charge-offs | 90.4390% | 1,631 |
| Earnings coverage of net charge-offs (x) | 16.0591% | 1,987 |
| Efficiency ratio | 32.3950% | 4,638 |
| Assets per employee ($millions) | 25.6982% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,213 |
| Loan loss allowance to noncurrent loans | 244.9038% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 1,559 |
| Noncurrent loans to loans | 0.5050% | 1,442 |
| Net loans and leases to total assets | 63.4100% | 2,292 |
| Net loans and leases to deposits | 78.8049% | 1,871 |
| Net loans and leases to core deposits | 82.5958% | 1,962 |
| Total domestic deposits to total assets | 80.4600% | 3,817 |
| Equity capital to assets | 16.1655% | 379 |
| Core capital (leverage) ratio | 11.6155% | 1,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1923% | 1,567 |
| Memoranda: | ||
| Average total assets | $49,111,621,000 | 51 |
| Average earning assets | $45,039,771,800 | 49 |
| Average equity | $7,787,930,200 | 39 |
| Average total loans | $31,174,181,400 | 48 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1978% | 3,445 |
| Cost of funding earning assets | 0.5163% | 694 |
| Net interest margin | 2.6815% | 3,962 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.0166% | 4,671 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.1930% | 1,722 |
| Return on assets (ROA) | 1.1930% | 1,698 |
| Pretax return on assets | 1.5700% | 1,206 |
| Return on Equity (ROE) | 7.5600% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.5614% | 2,161 |
| Net charge-offs to loans | 0.2778% | 242 |
| Credit loss provision to net charge-offs | 112.8560% | 1,252 |
| Earnings coverage of net charge-offs (x) | 10.0589% | 2,004 |
| Efficiency ratio | 34.0996% | 4,666 |
| Assets per employee ($millions) | 25.5395% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 2,614 |
| Loan loss allowance to noncurrent loans | 234.9292% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3261% | 1,640 |
| Noncurrent loans to loans | 0.5037% | 1,539 |
| Net loans and leases to total assets | 63.9600% | 2,092 |
| Net loans and leases to deposits | 79.3833% | 1,611 |
| Net loans and leases to core deposits | 82.6434% | 1,727 |
| Total domestic deposits to total assets | 80.5700% | 4,046 |
| Equity capital to assets | 16.0294% | 369 |
| Core capital (leverage) ratio | 11.7679% | 1,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8160% | 1,762 |
| Memoranda: | ||
| Average total assets | $48,656,044,000 | 53 |
| Average earning assets | $44,611,954,250 | 51 |
| Average equity | $7,676,487,750 | 40 |
| Average total loans | $30,792,727,500 | 50 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7040% | 4,134 |
| Cost of funding earning assets | 0.2529% | 2,227 |
| Net interest margin | 2.4511% | 4,157 |
| Noninterest income to average assets | 0.3240% | 3,233 |
| Noninterest expense to average assets | 1.0118% | 4,692 |
| Loan and lease loss provision to assets | 0.2118% | 379 |
| Net operating income to assets | 1.0372% | 2,030 |
| Return on assets (ROA) | 1.0372% | 2,004 |
| Pretax return on assets | 1.3519% | 1,579 |
| Return on Equity (ROE) | 6.6108% | 3,422 |
| Retained earnings to average equity (ytd only) | 6.6108% | 2,126 |
| Net charge-offs to loans | 0.3750% | 183 |
| Credit loss provision to net charge-offs | 89.9642% | 1,344 |
| Earnings coverage of net charge-offs (x) | 6.6407% | 1,888 |
| Efficiency ratio | 36.6343% | 4,673 |
| Assets per employee ($millions) | 25.8451% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 2,888 |
| Loan loss allowance to noncurrent loans | 196.5872% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 1,429 |
| Noncurrent loans to loans | 0.5900% | 1,435 |
| Net loans and leases to total assets | 65.9931% | 1,694 |
| Net loans and leases to deposits | 82.4875% | 1,213 |
| Net loans and leases to core deposits | 86.6575% | 1,288 |
| Total domestic deposits to total assets | 80.0037% | 4,227 |
| Equity capital to assets | 16.6413% | 299 |
| Core capital (leverage) ratio | 11.5396% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4219% | 1,892 |
| Memoranda: | ||
| Average total assets | $48,180,386,333 | 51 |
| Average earning assets | $44,258,786,667 | 50 |
| Average equity | $7,559,322,000 | 40 |
| Average total loans | $30,251,318,000 | 50 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4139% | 4,362 |
| Cost of funding earning assets | 0.1622% | 3,340 |
| Net interest margin | 2.2518% | 4,291 |
| Noninterest income to average assets | 0.3817% | 2,800 |
| Noninterest expense to average assets | 1.0548% | 4,706 |
| Loan and lease loss provision to assets | 0.0920% | 898 |
| Net operating income to assets | 1.0037% | 1,872 |
| Return on assets (ROA) | 1.0037% | 1,862 |
| Pretax return on assets | 1.3054% | 1,493 |
| Return on Equity (ROE) | 6.5942% | 3,158 |
| Retained earnings to average equity (ytd only) | 6.5942% | 2,034 |
| Net charge-offs to loans | 0.5988% | 112 |
| Credit loss provision to net charge-offs | 25.2570% | 1,274 |
| Earnings coverage of net charge-offs (x) | 3.8369% | 1,649 |
| Efficiency ratio | 40.2391% | 4,638 |
| Assets per employee ($millions) | 27.7842% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 3,120 |
| Loan loss allowance to noncurrent loans | 188.6397% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 1,604 |
| Noncurrent loans to loans | 0.6074% | 1,542 |
| Net loans and leases to total assets | 61.1480% | 1,947 |
| Net loans and leases to deposits | 76.3783% | 1,413 |
| Net loans and leases to core deposits | 78.9245% | 1,558 |
| Total domestic deposits to total assets | 80.0594% | 4,288 |
| Equity capital to assets | 15.2332% | 376 |
| Core capital (leverage) ratio | 10.3258% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5909% | 2,383 |
| Memoranda: | ||
| Average total assets | $48,402,648,000 | 52 |
| Average earning assets | $44,505,930,500 | 51 |
| Average equity | $7,367,047,500 | 44 |
| Average total loans | $29,440,934,000 | 51 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3911% | 4,543 |
| Cost of funding earning assets | 0.1763% | 3,698 |
| Net interest margin | 2.2148% | 4,476 |
| Noninterest income to average assets | 0.4425% | 2,842 |
| Noninterest expense to average assets | 1.0597% | 4,744 |
| Loan and lease loss provision to assets | -0.1068% | 4,546 |
| Net operating income to assets | 1.1575% | 2,070 |
| Return on assets (ROA) | 1.1577% | 2,130 |
| Pretax return on assets | 1.5148% | 1,671 |
| Return on Equity (ROE) | 7.3619% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.3619% | 1,777 |
| Net charge-offs to loans | 0.0745% | 1,046 |
| Credit loss provision to net charge-offs | -241.1680% | 3,562 |
| Earnings coverage of net charge-offs (x) | 31.7819% | 1,568 |
| Efficiency ratio | 39.9833% | 4,689 |
| Assets per employee ($millions) | 27.1949% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,386 |
| Loan loss allowance to noncurrent loans | 179.1628% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 1,520 |
| Noncurrent loans to loans | 0.7226% | 1,405 |
| Net loans and leases to total assets | 59.0228% | 2,269 |
| Net loans and leases to deposits | 73.6191% | 1,757 |
| Net loans and leases to core deposits | 77.8641% | 1,773 |
| Total domestic deposits to total assets | 80.1733% | 4,204 |
| Equity capital to assets | 15.2076% | 466 |
| Core capital (leverage) ratio | 10.1415% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8066% | 2,317 |
| Memoranda: | ||
| Average total assets | $45,502,146,400 | 54 |
| Average earning assets | $41,600,156,000 | 53 |
| Average equity | $7,155,795,200 | 43 |
| Average total loans | $27,051,213,000 | 51 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4038% | 4,630 |
| Cost of funding earning assets | 0.1822% | 3,789 |
| Net interest margin | 2.2216% | 4,556 |
| Noninterest income to average assets | 0.4343% | 2,910 |
| Noninterest expense to average assets | 1.0483% | 4,830 |
| Loan and lease loss provision to assets | -0.1746% | 4,718 |
| Net operating income to assets | 1.2117% | 2,129 |
| Return on assets (ROA) | 1.2119% | 2,184 |
| Pretax return on assets | 1.5880% | 1,746 |
| Return on Equity (ROE) | 7.6381% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.6381% | 2,166 |
| Net charge-offs to loans | 0.0859% | 828 |
| Credit loss provision to net charge-offs | -342.3823% | 3,531 |
| Earnings coverage of net charge-offs (x) | 27.7125% | 1,567 |
| Efficiency ratio | 39.5564% | 4,735 |
| Assets per employee ($millions) | 26.5542% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 2,206 |
| Loan loss allowance to noncurrent loans | 204.3389% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 1,875 |
| Noncurrent loans to loans | 0.6622% | 1,654 |
| Net loans and leases to total assets | 58.5725% | 2,417 |
| Net loans and leases to deposits | 74.0418% | 1,848 |
| Net loans and leases to core deposits | 78.1770% | 1,883 |
| Total domestic deposits to total assets | 79.1072% | 4,335 |
| Equity capital to assets | 15.9008% | 427 |
| Core capital (leverage) ratio | 10.4250% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5713% | 2,142 |
| Memoranda: | ||
| Average total assets | $44,755,561,250 | 55 |
| Average earning assets | $40,839,779,000 | 54 |
| Average equity | $7,101,266,250 | 44 |
| Average total loans | $26,565,347,500 | 52 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4260% | 4,664 |
| Cost of funding earning assets | 0.1877% | 3,869 |
| Net interest margin | 2.2383% | 4,567 |
| Noninterest income to average assets | 0.4546% | 2,822 |
| Noninterest expense to average assets | 1.0640% | 4,858 |
| Loan and lease loss provision to assets | -0.1588% | 4,717 |
| Net operating income to assets | 1.2146% | 2,134 |
| Return on assets (ROA) | 1.2146% | 2,208 |
| Pretax return on assets | 1.5897% | 1,765 |
| Return on Equity (ROE) | 7.6609% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.6609% | 2,206 |
| Net charge-offs to loans | 0.1177% | 657 |
| Credit loss provision to net charge-offs | -227.2938% | 3,241 |
| Earnings coverage of net charge-offs (x) | 20.4764% | 1,524 |
| Efficiency ratio | 39.6113% | 4,757 |
| Assets per employee ($millions) | 26.2483% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 1,622 |
| Loan loss allowance to noncurrent loans | 230.6855% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 2,099 |
| Noncurrent loans to loans | 0.6459% | 1,799 |
| Net loans and leases to total assets | 57.6104% | 2,715 |
| Net loans and leases to deposits | 72.8037% | 2,135 |
| Net loans and leases to core deposits | 77.2326% | 2,117 |
| Total domestic deposits to total assets | 79.1312% | 4,327 |
| Equity capital to assets | 15.8802% | 424 |
| Core capital (leverage) ratio | 10.2541% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7830% | 2,063 |
| Memoranda: | ||
| Average total assets | $44,387,736,000 | 54 |
| Average earning assets | $40,460,005,333 | 53 |
| Average equity | $7,037,697,667 | 44 |
| Average total loans | $26,344,069,000 | 51 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4636% | 4,670 |
| Cost of funding earning assets | 0.1963% | 3,944 |
| Net interest margin | 2.2672% | 4,555 |
| Noninterest income to average assets | 0.4451% | 2,847 |
| Noninterest expense to average assets | 1.0747% | 4,891 |
| Loan and lease loss provision to assets | 0.0149% | 2,588 |
| Net operating income to assets | 1.0762% | 2,549 |
| Return on assets (ROA) | 1.0762% | 2,636 |
| Pretax return on assets | 1.4192% | 2,231 |
| Return on Equity (ROE) | 6.7935% | 3,657 |
| Retained earnings to average equity (ytd only) | 6.7935% | 2,643 |
| Net charge-offs to loans | 0.1748% | 451 |
| Credit loss provision to net charge-offs | 14.2149% | 1,439 |
| Earnings coverage of net charge-offs (x) | 13.7175% | 1,389 |
| Efficiency ratio | 39.7904% | 4,747 |
| Assets per employee ($millions) | 25.7694% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 1,180 |
| Loan loss allowance to noncurrent loans | 230.4453% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 2,110 |
| Noncurrent loans to loans | 0.7144% | 1,812 |
| Net loans and leases to total assets | 59.1171% | 2,657 |
| Net loans and leases to deposits | 74.5024% | 2,068 |
| Net loans and leases to core deposits | 79.4388% | 2,058 |
| Total domestic deposits to total assets | 79.3492% | 4,290 |
| Equity capital to assets | 16.0068% | 390 |
| Core capital (leverage) ratio | 10.1373% | 2,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7102% | 2,002 |
| Memoranda: | ||
| Average total assets | $44,008,028,000 | 54 |
| Average earning assets | $40,056,381,500 | 54 |
| Average equity | $6,971,814,500 | 44 |
| Average total loans | $26,314,688,000 | 52 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1765% | 4,478 |
| Cost of funding earning assets | 0.4906% | 3,005 |
| Net interest margin | 2.6860% | 4,395 |
| Noninterest income to average assets | 0.3757% | 3,236 |
| Noninterest expense to average assets | 1.1955% | 4,901 |
| Loan and lease loss provision to assets | 0.6408% | 287 |
| Net operating income to assets | 0.7227% | 3,359 |
| Return on assets (ROA) | 0.7226% | 3,490 |
| Pretax return on assets | 0.9447% | 3,238 |
| Return on Equity (ROE) | 4.1803% | 4,120 |
| Retained earnings to average equity (ytd only) | 4.1803% | 2,725 |
| Net charge-offs to loans | 0.2755% | 622 |
| Credit loss provision to net charge-offs | 352.2808% | 1,575 |
| Earnings coverage of net charge-offs (x) | 8.7166% | 2,577 |
| Efficiency ratio | 39.3172% | 4,886 |
| Assets per employee ($millions) | 25.9899% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 1,058 |
| Loan loss allowance to noncurrent loans | 251.0318% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4013% | 2,382 |
| Noncurrent loans to loans | 0.6740% | 1,998 |
| Net loans and leases to total assets | 58.4791% | 3,037 |
| Net loans and leases to deposits | 73.4345% | 2,544 |
| Net loans and leases to core deposits | 78.4337% | 2,523 |
| Total domestic deposits to total assets | 79.6343% | 4,115 |
| Equity capital to assets | 15.6784% | 466 |
| Core capital (leverage) ratio | 10.1764% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3566% | 2,101 |
| Memoranda: | ||
| Average total assets | $38,301,944,800 | 57 |
| Average earning assets | $34,298,666,600 | 58 |
| Average equity | $6,621,075,000 | 42 |
| Average total loans | $25,285,352,200 | 52 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3736% | 4,386 |
| Cost of funding earning assets | 0.5865% | 2,696 |
| Net interest margin | 2.7871% | 4,354 |
| Noninterest income to average assets | 0.3328% | 3,487 |
| Noninterest expense to average assets | 1.2574% | 4,922 |
| Loan and lease loss provision to assets | 0.8696% | 193 |
| Net operating income to assets | 0.5280% | 3,958 |
| Return on assets (ROA) | 0.5280% | 4,054 |
| Pretax return on assets | 0.6899% | 3,926 |
| Return on Equity (ROE) | 2.9715% | 4,393 |
| Retained earnings to average equity (ytd only) | 2.9715% | 3,532 |
| Net charge-offs to loans | 0.1772% | 840 |
| Credit loss provision to net charge-offs | 722.1094% | 1,046 |
| Earnings coverage of net charge-offs (x) | 12.9500% | 2,222 |
| Efficiency ratio | 40.6961% | 4,879 |
| Assets per employee ($millions) | 23.6174% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 676 |
| Loan loss allowance to noncurrent loans | 194.5633% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 1,878 |
| Noncurrent loans to loans | 0.9430% | 1,596 |
| Net loans and leases to total assets | 64.4556% | 2,711 |
| Net loans and leases to deposits | 83.1957% | 1,996 |
| Net loans and leases to core deposits | 90.2074% | 1,953 |
| Total domestic deposits to total assets | 77.4747% | 4,265 |
| Equity capital to assets | 17.2358% | 353 |
| Core capital (leverage) ratio | 10.7284% | 2,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1764% | 2,119 |
| Memoranda: | ||
| Average total assets | $36,844,722,500 | 58 |
| Average earning assets | $32,839,824,250 | 58 |
| Average equity | $6,546,586,750 | 42 |
| Average total loans | $25,043,830,000 | 52 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6236% | 4,224 |
| Cost of funding earning assets | 0.7198% | 2,294 |
| Net interest margin | 2.9037% | 4,302 |
| Noninterest income to average assets | 0.2804% | 3,790 |
| Noninterest expense to average assets | 1.3121% | 4,945 |
| Loan and lease loss provision to assets | 1.3170% | 113 |
| Net operating income to assets | 0.1848% | 4,592 |
| Return on assets (ROA) | 0.1847% | 4,633 |
| Pretax return on assets | 0.2310% | 4,606 |
| Return on Equity (ROE) | 1.0284% | 4,683 |
| Retained earnings to average equity (ytd only) | 1.0284% | 4,091 |
| Net charge-offs to loans | 0.1786% | 842 |
| Credit loss provision to net charge-offs | 1,071.6826% | 755 |
| Earnings coverage of net charge-offs (x) | 12.5971% | 2,043 |
| Efficiency ratio | 41.5494% | 4,870 |
| Assets per employee ($millions) | 23.6734% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 579 |
| Loan loss allowance to noncurrent loans | 244.8462% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 2,310 |
| Noncurrent loans to loans | 0.7593% | 1,984 |
| Net loans and leases to total assets | 65.7722% | 2,661 |
| Net loans and leases to deposits | 85.0139% | 1,881 |
| Net loans and leases to core deposits | 92.0961% | 1,894 |
| Total domestic deposits to total assets | 77.3664% | 4,271 |
| Equity capital to assets | 17.2854% | 350 |
| Core capital (leverage) ratio | 10.7171% | 2,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6668% | 2,330 |
| Memoranda: | ||
| Average total assets | $35,971,390,000 | 57 |
| Average earning assets | $31,958,597,667 | 58 |
| Average equity | $6,461,428,667 | 42 |
| Average total loans | $24,754,224,000 | 53 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 3,605 |
| Cost of funding earning assets | 1.0087% | 1,383 |
| Net interest margin | 3.0604% | 4,179 |
| Noninterest income to average assets | 0.1690% | 4,524 |
| Noninterest expense to average assets | 1.4561% | 4,943 |
| Loan and lease loss provision to assets | 1.7098% | 87 |
| Net operating income to assets | -0.2021% | 4,851 |
| Return on assets (ROA) | -0.2022% | 4,826 |
| Pretax return on assets | -0.2920% | 4,848 |
| Return on Equity (ROE) | -1.1024% | 4,807 |
| Retained earnings to average equity (ytd only) | -1.1024% | 4,155 |
| Net charge-offs to loans | 0.0529% | 1,480 |
| Credit loss provision to net charge-offs | 4,624.9139% | 174 |
| Earnings coverage of net charge-offs (x) | 38.3546% | 1,048 |
| Efficiency ratio | 46.1333% | 4,826 |
| Assets per employee ($millions) | 21.5707% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6397% | 979 |
| Loan loss allowance to noncurrent loans | 182.5189% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 2,090 |
| Noncurrent loans to loans | 0.8984% | 1,815 |
| Net loans and leases to total assets | 69.6840% | 2,296 |
| Net loans and leases to deposits | 92.3120% | 1,245 |
| Net loans and leases to core deposits | 102.1512% | 1,310 |
| Total domestic deposits to total assets | 75.4875% | 4,538 |
| Equity capital to assets | 18.1683% | 338 |
| Core capital (leverage) ratio | 11.2293% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6332% | 2,874 |
| Memoranda: | ||
| Average total assets | $34,568,536,500 | 58 |
| Average earning assets | $30,554,877,000 | 60 |
| Average equity | $6,340,749,000 | 42 |
| Average total loans | $24,137,482,000 | 55 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 2,007 |
| Cost of funding earning assets | 1.4155% | 527 |
| Net interest margin | 3.3970% | 3,751 |
| Noninterest income to average assets | 0.5203% | 2,623 |
| Noninterest expense to average assets | 1.6240% | 4,933 |
| Loan and lease loss provision to assets | 0.4805% | 269 |
| Net operating income to assets | 1.0579% | 2,628 |
| Return on assets (ROA) | 1.0580% | 2,720 |
| Pretax return on assets | 1.3788% | 2,236 |
| Return on Equity (ROE) | 5.4474% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.4474% | 2,193 |
| Net charge-offs to loans | 0.2529% | 817 |
| Credit loss provision to net charge-offs | 277.4310% | 1,018 |
| Earnings coverage of net charge-offs (x) | 10.7349% | 2,550 |
| Efficiency ratio | 42.2040% | 5,023 |
| Assets per employee ($millions) | 20.1129% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 2,628 |
| Loan loss allowance to noncurrent loans | 144.6779% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 2,198 |
| Noncurrent loans to loans | 0.8034% | 1,906 |
| Net loans and leases to total assets | 67.9457% | 2,686 |
| Net loans and leases to deposits | 92.0694% | 1,361 |
| Net loans and leases to core deposits | 103.6530% | 1,253 |
| Total domestic deposits to total assets | 73.7983% | 4,780 |
| Equity capital to assets | 18.5270% | 330 |
| Core capital (leverage) ratio | 10.7540% | 2,716 |
| Tier 1 risk-based capital ratio | 11.1134% | 4,816 |
| Total risk-based capital ratio | 12.1195% | 4,809 |
| Memoranda: | ||
| Average total assets | $31,065,986,800 | 63 |
| Average earning assets | $27,095,705,800 | 64 |
| Average equity | $6,033,568,000 | 42 |
| Average total loans | $21,272,481,800 | 60 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 1,723 |
| Cost of funding earning assets | 1.4708% | 450 |
| Net interest margin | 3.4611% | 3,693 |
| Noninterest income to average assets | 0.5185% | 2,616 |
| Noninterest expense to average assets | 1.6170% | 4,989 |
| Loan and lease loss provision to assets | 0.5224% | 229 |
| Net operating income to assets | 1.0656% | 2,712 |
| Return on assets (ROA) | 1.0657% | 2,797 |
| Pretax return on assets | 1.3909% | 2,344 |
| Return on Equity (ROE) | 5.4180% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.4180% | 2,665 |
| Net charge-offs to loans | 0.1907% | 903 |
| Credit loss provision to net charge-offs | 400.4063% | 751 |
| Earnings coverage of net charge-offs (x) | 14.6641% | 2,236 |
| Efficiency ratio | 41.3306% | 5,094 |
| Assets per employee ($millions) | 18.9171% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 2,689 |
| Loan loss allowance to noncurrent loans | 132.7700% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.6243% | 2,131 |
| Noncurrent loans to loans | 0.8775% | 1,829 |
| Net loans and leases to total assets | 70.1272% | 2,450 |
| Net loans and leases to deposits | 96.0641% | 1,012 |
| Net loans and leases to core deposits | 109.6396% | 966 |
| Total domestic deposits to total assets | 73.0004% | 4,864 |
| Equity capital to assets | 19.3407% | 284 |
| Core capital (leverage) ratio | 11.0799% | 2,577 |
| Tier 1 risk-based capital ratio | 11.1689% | 4,837 |
| Total risk-based capital ratio | 12.1843% | 4,819 |
| Memoranda: | ||
| Average total assets | $30,435,328,750 | 63 |
| Average earning assets | $26,482,449,250 | 67 |
| Average equity | $5,986,223,250 | 43 |
| Average total loans | $20,818,000,750 | 62 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9415% | 1,633 |
| Cost of funding earning assets | 1.4692% | 420 |
| Net interest margin | 3.4724% | 3,679 |
| Noninterest income to average assets | 0.5103% | 2,622 |
| Noninterest expense to average assets | 1.6238% | 5,042 |
| Loan and lease loss provision to assets | 0.5953% | 189 |
| Net operating income to assets | 0.9873% | 2,967 |
| Return on assets (ROA) | 0.9873% | 3,039 |
| Pretax return on assets | 1.3105% | 2,526 |
| Return on Equity (ROE) | 4.9906% | 4,349 |
| Retained earnings to average equity (ytd only) | 4.9906% | 2,778 |
| Net charge-offs to loans | 0.1220% | 1,217 |
| Credit loss provision to net charge-offs | 723.1778% | 454 |
| Earnings coverage of net charge-offs (x) | 23.1497% | 1,663 |
| Efficiency ratio | 41.4447% | 5,133 |
| Assets per employee ($millions) | 18.9098% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 2,696 |
| Loan loss allowance to noncurrent loans | 111.2237% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 1,894 |
| Noncurrent loans to loans | 1.0478% | 1,562 |
| Net loans and leases to total assets | 68.6691% | 2,729 |
| Net loans and leases to deposits | 94.6134% | 1,193 |
| Net loans and leases to core deposits | 108.9773% | 1,037 |
| Total domestic deposits to total assets | 72.5786% | 4,936 |
| Equity capital to assets | 19.5649% | 263 |
| Core capital (leverage) ratio | 11.1486% | 2,456 |
| Tier 1 risk-based capital ratio | 11.3311% | 4,777 |
| Total risk-based capital ratio | 12.3550% | 4,774 |
| Memoranda: | ||
| Average total assets | $29,999,500,000 | 64 |
| Average earning assets | $26,084,469,330 | 66 |
| Average equity | $5,935,204,330 | 43 |
| Average total loans | $20,249,760,670 | 63 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 1,616 |
| Cost of funding earning assets | 1.4335% | 403 |
| Net interest margin | 3.4572% | 3,724 |
| Noninterest income to average assets | 0.5079% | 2,511 |
| Noninterest expense to average assets | 1.6238% | 5,082 |
| Loan and lease loss provision to assets | 0.5497% | 190 |
| Net operating income to assets | 1.0082% | 2,810 |
| Return on assets (ROA) | 1.0083% | 2,853 |
| Pretax return on assets | 1.3350% | 2,311 |
| Return on Equity (ROE) | 5.0669% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.0669% | 2,879 |
| Net charge-offs to loans | 0.0307% | 1,838 |
| Credit loss provision to net charge-offs | 2,690.9272% | 164 |
| Earnings coverage of net charge-offs (x) | 92.2596% | 704 |
| Efficiency ratio | 41.6231% | 5,170 |
| Assets per employee ($millions) | 19.0288% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 3,415 |
| Loan loss allowance to noncurrent loans | 110.7174% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 2,176 |
| Noncurrent loans to loans | 0.9477% | 1,766 |
| Net loans and leases to total assets | 66.2585% | 3,017 |
| Net loans and leases to deposits | 90.6355% | 1,549 |
| Net loans and leases to core deposits | 103.8251% | 1,331 |
| Total domestic deposits to total assets | 73.1044% | 4,991 |
| Equity capital to assets | 19.6591% | 255 |
| Core capital (leverage) ratio | 11.0997% | 2,479 |
| Tier 1 risk-based capital ratio | 11.6354% | 4,666 |
| Total risk-based capital ratio | 12.5599% | 4,747 |
| Memoranda: | ||
| Average total assets | $29,568,825,500 | 65 |
| Average earning assets | $25,662,716,500 | 66 |
| Average equity | $5,883,857,000 | 44 |
| Average total loans | $19,653,769,500 | 66 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 1,538 |
| Cost of funding earning assets | 1.0655% | 564 |
| Net interest margin | 3.7397% | 2,902 |
| Noninterest income to average assets | 0.4314% | 3,230 |
| Noninterest expense to average assets | 1.7754% | 5,024 |
| Loan and lease loss provision to assets | 0.5020% | 236 |
| Net operating income to assets | 0.9955% | 3,027 |
| Return on assets (ROA) | 0.9956% | 3,019 |
| Pretax return on assets | 1.3536% | 2,304 |
| Return on Equity (ROE) | 4.8169% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.8169% | 2,880 |
| Net charge-offs to loans | 0.1179% | 1,567 |
| Credit loss provision to net charge-offs | 636.7450% | 544 |
| Earnings coverage of net charge-offs (x) | 23.5370% | 1,844 |
| Efficiency ratio | 43.9175% | 5,184 |
| Assets per employee ($millions) | 18.5509% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9054% | 4,132 |
| Loan loss allowance to noncurrent loans | 112.4899% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.5329% | 2,463 |
| Noncurrent loans to loans | 0.8049% | 1,992 |
| Net loans and leases to total assets | 65.3567% | 3,216 |
| Net loans and leases to deposits | 90.3968% | 1,746 |
| Net loans and leases to core deposits | 105.0977% | 1,337 |
| Total domestic deposits to total assets | 72.2998% | 5,059 |
| Equity capital to assets | 20.1488% | 225 |
| Core capital (leverage) ratio | 11.4447% | 2,144 |
| Tier 1 risk-based capital ratio | 11.9190% | 4,484 |
| Total risk-based capital ratio | 12.7284% | 4,638 |
| Memoranda: | ||
| Average total assets | $26,758,099,000 | 68 |
| Average earning assets | $22,892,392,000 | 71 |
| Average equity | $5,530,386,200 | 44 |
| Average total loans | $17,887,299,200 | 70 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7382% | 1,575 |
| Cost of funding earning assets | 0.9766% | 651 |
| Net interest margin | 3.7615% | 2,785 |
| Noninterest income to average assets | 0.5295% | 2,676 |
| Noninterest expense to average assets | 1.8206% | 5,017 |
| Loan and lease loss provision to assets | 0.5053% | 222 |
| Net operating income to assets | 1.0370% | 2,933 |
| Return on assets (ROA) | 1.0371% | 2,941 |
| Pretax return on assets | 1.4131% | 2,182 |
| Return on Equity (ROE) | 4.9832% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.9832% | 3,248 |
| Net charge-offs to loans | 0.0506% | 2,109 |
| Credit loss provision to net charge-offs | 1,487.3465% | 278 |
| Earnings coverage of net charge-offs (x) | 56.4648% | 1,093 |
| Efficiency ratio | 43.7544% | 5,221 |
| Assets per employee ($millions) | 17.7419% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8239% | 4,541 |
| Loan loss allowance to noncurrent loans | 87.4174% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.6459% | 2,254 |
| Noncurrent loans to loans | 0.9425% | 1,802 |
| Net loans and leases to total assets | 67.6891% | 2,987 |
| Net loans and leases to deposits | 97.0919% | 1,032 |
| Net loans and leases to core deposits | 112.2611% | 902 |
| Total domestic deposits to total assets | 69.7165% | 5,225 |
| Equity capital to assets | 20.4423% | 217 |
| Core capital (leverage) ratio | 10.7500% | 2,839 |
| Tier 1 risk-based capital ratio | 11.1560% | 4,967 |
| Total risk-based capital ratio | 11.9077% | 5,101 |
| Memoranda: | ||
| Average total assets | $26,208,121,000 | 68 |
| Average earning assets | $22,360,907,000 | 71 |
| Average equity | $5,454,312,000 | 44 |
| Average total loans | $17,584,392,750 | 70 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6491% | 1,646 |
| Cost of funding earning assets | 0.8590% | 879 |
| Net interest margin | 3.7901% | 2,595 |
| Noninterest income to average assets | 0.4701% | 3,036 |
| Noninterest expense to average assets | 1.7932% | 5,104 |
| Loan and lease loss provision to assets | 0.4105% | 292 |
| Net operating income to assets | 1.0767% | 2,680 |
| Return on assets (ROA) | 1.0768% | 2,685 |
| Pretax return on assets | 1.4965% | 1,826 |
| Return on Equity (ROE) | 5.1424% | 4,511 |
| Retained earnings to average equity (ytd only) | 5.1379% | 3,005 |
| Net charge-offs to loans | 0.0544% | 1,823 |
| Credit loss provision to net charge-offs | 1,132.1201% | 371 |
| Earnings coverage of net charge-offs (x) | 52.5892% | 1,094 |
| Efficiency ratio | 43.4146% | 5,301 |
| Assets per employee ($millions) | 18.0727% | 56 |
| Cash dividends to net income (ytd only)* | 0.0860% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6044% | 5,103 |
| Loan loss allowance to noncurrent loans | 85.0647% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 2,810 |
| Noncurrent loans to loans | 0.7106% | 2,335 |
| Net loans and leases to total assets | 67.3816% | 2,966 |
| Net loans and leases to deposits | 96.1792% | 1,118 |
| Net loans and leases to core deposits | 111.5313% | 908 |
| Total domestic deposits to total assets | 70.0584% | 5,277 |
| Equity capital to assets | 20.7793% | 194 |
| Core capital (leverage) ratio | 10.8954% | 2,619 |
| Tier 1 risk-based capital ratio | 11.2151% | 4,943 |
| Total risk-based capital ratio | 11.7898% | 5,153 |
| Memoranda: | ||
| Average total assets | $25,913,531,670 | 69 |
| Average earning assets | $22,083,412,330 | 71 |
| Average equity | $5,426,346,670 | 44 |
| Average total loans | $17,282,322,330 | 70 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 1,799 |
| Cost of funding earning assets | 0.6960% | 1,466 |
| Net interest margin | 3.8261% | 2,313 |
| Noninterest income to average assets | 0.4011% | 3,457 |
| Noninterest expense to average assets | 1.9593% | 4,924 |
| Loan and lease loss provision to assets | 0.3773% | 314 |
| Net operating income to assets | 0.9607% | 3,029 |
| Return on assets (ROA) | 0.9610% | 3,045 |
| Pretax return on assets | 1.3233% | 2,276 |
| Return on Equity (ROE) | 4.5710% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.5662% | 3,374 |
| Net charge-offs to loans | 0.0569% | 1,535 |
| Credit loss provision to net charge-offs | 1,002.9412% | 338 |
| Earnings coverage of net charge-offs (x) | 45.1972% | 993 |
| Efficiency ratio | 48.3859% | 5,174 |
| Assets per employee ($millions) | 18.1009% | 58 |
| Cash dividends to net income (ytd only)* | 0.1038% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4743% | 5,359 |
| Loan loss allowance to noncurrent loans | 81.6554% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 3,254 |
| Noncurrent loans to loans | 0.5809% | 2,804 |
| Net loans and leases to total assets | 66.6993% | 2,941 |
| Net loans and leases to deposits | 95.8249% | 1,053 |
| Net loans and leases to core deposits | 111.9876% | 894 |
| Total domestic deposits to total assets | 69.6054% | 5,373 |
| Equity capital to assets | 21.1645% | 176 |
| Core capital (leverage) ratio | 10.6769% | 2,757 |
| Tier 1 risk-based capital ratio | 11.4123% | 4,908 |
| Total risk-based capital ratio | 11.8868% | 5,207 |
| Memoranda: | ||
| Average total assets | $25,668,206,000 | 70 |
| Average earning assets | $21,860,192,000 | 72 |
| Average equity | $5,396,216,000 | 45 |
| Average total loans | $16,973,600,000 | 71 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4415% | 5,567 |
| Cost of funding earning assets | 0.2592% | 4,486 |
| Net interest margin | 2.1823% | 5,543 |
| Noninterest income to average assets | 0.4144% | 3,537 |
| Noninterest expense to average assets | 1.2339% | 5,582 |
| Loan and lease loss provision to assets | 0.2585% | 713 |
| Net operating income to assets | 0.4812% | 4,420 |
| Return on assets (ROA) | 0.4818% | 4,453 |
| Pretax return on assets | 0.8660% | 4,027 |
| Return on Equity (ROE) | 2.7589% | 4,898 |
| Retained earnings to average equity (ytd only) | 2.7452% | 3,667 |
| Net charge-offs to loans | 0.0020% | 4,048 |
| Credit loss provision to net charge-offs | 18,760.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 815.4125% | 104 |
| Efficiency ratio | 47.7274% | 5,334 |
| Assets per employee ($millions) | 18.4926% | 57 |
| Cash dividends to net income (ytd only)* | 0.4969% | 4,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3551% | 5,526 |
| Loan loss allowance to noncurrent loans | 61.2985% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 3,327 |
| Noncurrent loans to loans | 0.5793% | 2,768 |
| Net loans and leases to total assets | 65.0101% | 3,225 |
| Net loans and leases to deposits | 83.9276% | 2,499 |
| Net loans and leases to core deposits | 97.1317% | 1,930 |
| Total domestic deposits to total assets | 77.4598% | 4,796 |
| Equity capital to assets | 20.8822% | 181 |
| Core capital (leverage) ratio | 10.6959% | 2,652 |
| Tier 1 risk-based capital ratio | 11.4554% | 4,880 |
| Total risk-based capital ratio | 11.8302% | 5,244 |
| Memoranda: | ||
| Average total assets | $23,221,422,400 | 73 |
| Average earning assets | $20,677,225,400 | 74 |
| Average equity | $4,055,335,400 | 50 |
| Average total loans | $15,989,213,400 | 70 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7240% | 5,692 |
| Cost of funding earning assets | 0.1763% | 5,155 |
| Net interest margin | 1.5477% | 5,685 |
| Noninterest income to average assets | 0.2657% | 4,610 |
| Noninterest expense to average assets | 0.8659% | 5,695 |
| Loan and lease loss provision to assets | 0.2260% | 816 |
| Net operating income to assets | 0.3285% | 5,162 |
| Return on assets (ROA) | 0.3293% | 5,184 |
| Pretax return on assets | 0.5699% | 4,892 |
| Return on Equity (ROE) | 1.9971% | 5,309 |
| Retained earnings to average equity (ytd only) | 1.9836% | 4,645 |
| Net charge-offs to loans | 0.0083% | 3,431 |
| Credit loss provision to net charge-offs | 3,903.8736% | 117 |
| Earnings coverage of net charge-offs (x) | 137.2362% | 571 |
| Efficiency ratio | 48.9367% | 5,291 |
| Assets per employee ($millions) | 18.0193% | 61 |
| Cash dividends to net income (ytd only)* | 0.6756% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2262% | 5,646 |
| Loan loss allowance to noncurrent loans | 43.1337% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 3,598 |
| Noncurrent loans to loans | 0.5244% | 3,126 |
| Net loans and leases to total assets | 66.6572% | 3,020 |
| Net loans and leases to deposits | 87.8258% | 2,088 |
| Net loans and leases to core deposits | 105.9646% | 1,277 |
| Total domestic deposits to total assets | 75.8971% | 5,028 |
| Equity capital to assets | 21.4336% | 171 |
| Core capital (leverage) ratio | 10.6298% | 2,849 |
| Tier 1 risk-based capital ratio | 11.4701% | 4,975 |
| Total risk-based capital ratio | 11.7384% | 5,390 |
| Memoranda: | ||
| Average total assets | $22,591,344,750 | 73 |
| Average earning assets | $20,359,125,750 | 75 |
| Average equity | $3,725,306,250 | 53 |
| Average total loans | $15,787,926,000 | 72 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8617% | 3,676 |
| Cost of funding earning assets | 0.4690% | 2,418 |
| Net interest margin | 3.3927% | 3,796 |
| Noninterest income to average assets | 0.7220% | 1,898 |
| Noninterest expense to average assets | 1.9220% | 5,151 |
| Loan and lease loss provision to assets | 0.1075% | 1,892 |
| Net operating income to assets | 1.3495% | 1,180 |
| Return on assets (ROA) | 1.3515% | 1,200 |
| Pretax return on assets | 1.9656% | 566 |
| Return on Equity (ROE) | 12.6862% | 1,116 |
| Retained earnings to average equity (ytd only) | 12.6696% | 268 |
| Net charge-offs to loans | 0.0592% | 2,086 |
| Credit loss provision to net charge-offs | 242.9931% | 1,107 |
| Earnings coverage of net charge-offs (x) | 46.8030% | 1,133 |
| Efficiency ratio | 47.8942% | 5,394 |
| Assets per employee ($millions) | 16.4097% | 69 |
| Cash dividends to net income (ytd only)* | 0.1302% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 2,985 |
| Loan loss allowance to noncurrent loans | 146.6015% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 2,773 |
| Noncurrent loans to loans | 0.8212% | 2,349 |
| Net loans and leases to total assets | 70.9113% | 2,391 |
| Net loans and leases to deposits | 82.0643% | 2,693 |
| Net loans and leases to core deposits | 106.6966% | 1,182 |
| Total domestic deposits to total assets | 86.4094% | 2,192 |
| Equity capital to assets | 10.3681% | 3,494 |
| Core capital (leverage) ratio | 10.6663% | 2,743 |
| Tier 1 risk-based capital ratio | 11.2282% | 5,125 |
| Total risk-based capital ratio | 12.2873% | 5,129 |
| Memoranda: | ||
| Average total assets | $20,908,269,670 | 78 |
| Average earning assets | $20,152,666,330 | 74 |
| Average equity | $2,227,405,330 | 80 |
| Average total loans | $15,609,390,670 | 71 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8300% | 3,654 |
| Cost of funding earning assets | 0.4334% | 2,677 |
| Net interest margin | 3.3966% | 3,663 |
| Noninterest income to average assets | 0.7050% | 1,943 |
| Noninterest expense to average assets | 2.0276% | 4,989 |
| Loan and lease loss provision to assets | 0.1663% | 1,075 |
| Net operating income to assets | 1.2636% | 1,339 |
| Return on assets (ROA) | 1.2644% | 1,374 |
| Pretax return on assets | 1.7905% | 821 |
| Return on Equity (ROE) | 11.6963% | 1,336 |
| Retained earnings to average equity (ytd only) | 11.6963% | 505 |
| Net charge-offs to loans | -0.0123% | 4,510 |
| Credit loss provision to net charge-offs | -1,770.1053% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6429% | 5,340 |
| Assets per employee ($millions) | 15.3506% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,660 |
| Loan loss allowance to noncurrent loans | 228.6746% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 3,327 |
| Noncurrent loans to loans | 0.5575% | 3,133 |
| Net loans and leases to total assets | 75.7516% | 1,452 |
| Net loans and leases to deposits | 92.2453% | 1,304 |
| Net loans and leases to core deposits | 126.1989% | 320 |
| Total domestic deposits to total assets | 82.1197% | 4,139 |
| Equity capital to assets | 10.9094% | 2,733 |
| Core capital (leverage) ratio | 10.6514% | 2,740 |
| Tier 1 risk-based capital ratio | 11.1634% | 5,221 |
| Total risk-based capital ratio | 12.3004% | 5,186 |
| Memoranda: | ||
| Average total assets | $20,220,228,000 | 79 |
| Average earning assets | $19,516,354,000 | 75 |
| Average equity | $2,185,879,000 | 79 |
| Average total loans | $15,416,746,500 | 72 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 4,076 |
| Cost of funding earning assets | 0.3607% | 3,405 |
| Net interest margin | 3.3836% | 3,875 |
| Noninterest income to average assets | 0.7735% | 1,863 |
| Noninterest expense to average assets | 1.9009% | 5,362 |
| Loan and lease loss provision to assets | 0.1829% | 1,298 |
| Net operating income to assets | 1.2459% | 1,366 |
| Return on assets (ROA) | 1.2498% | 1,438 |
| Pretax return on assets | 1.9558% | 556 |
| Return on Equity (ROE) | 11.2744% | 1,481 |
| Retained earnings to average equity (ytd only) | 11.2744% | 279 |
| Net charge-offs to loans | 0.0625% | 2,809 |
| Credit loss provision to net charge-offs | 380.0451% | 827 |
| Earnings coverage of net charge-offs (x) | 44.3224% | 1,094 |
| Efficiency ratio | 46.8357% | 5,617 |
| Assets per employee ($millions) | 15.4031% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 2,788 |
| Loan loss allowance to noncurrent loans | 220.9158% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 3,319 |
| Noncurrent loans to loans | 0.5682% | 3,138 |
| Net loans and leases to total assets | 74.7991% | 1,725 |
| Net loans and leases to deposits | 92.9973% | 1,300 |
| Net loans and leases to core deposits | 125.3100% | 358 |
| Total domestic deposits to total assets | 80.4315% | 4,468 |
| Equity capital to assets | 10.7095% | 2,915 |
| Core capital (leverage) ratio | 10.5882% | 2,787 |
| Tier 1 risk-based capital ratio | 11.0515% | 5,315 |
| Total risk-based capital ratio | 12.1672% | 5,273 |
| Memoranda: | ||
| Average total assets | $18,434,087,600 | 81 |
| Average earning assets | $17,760,746,000 | 78 |
| Average equity | $2,043,407,400 | 79 |
| Average total loans | $14,199,380,200 | 72 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7392% | 4,117 |
| Cost of funding earning assets | 0.3548% | 3,494 |
| Net interest margin | 3.3845% | 3,910 |
| Noninterest income to average assets | 0.7747% | 1,866 |
| Noninterest expense to average assets | 1.9168% | 5,351 |
| Loan and lease loss provision to assets | 0.2045% | 1,032 |
| Net operating income to assets | 1.2267% | 1,531 |
| Return on assets (ROA) | 1.2319% | 1,615 |
| Pretax return on assets | 1.9214% | 672 |
| Return on Equity (ROE) | 11.0099% | 1,666 |
| Retained earnings to average equity (ytd only) | 11.0099% | 428 |
| Net charge-offs to loans | 0.0793% | 2,190 |
| Credit loss provision to net charge-offs | 333.3976% | 955 |
| Earnings coverage of net charge-offs (x) | 34.5215% | 1,358 |
| Efficiency ratio | 47.2124% | 5,622 |
| Assets per employee ($millions) | 14.7760% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2551% | 2,924 |
| Loan loss allowance to noncurrent loans | 204.9968% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 3,300 |
| Noncurrent loans to loans | 0.6123% | 3,182 |
| Net loans and leases to total assets | 76.3007% | 1,478 |
| Net loans and leases to deposits | 93.7384% | 1,282 |
| Net loans and leases to core deposits | 130.5116% | 294 |
| Total domestic deposits to total assets | 81.3975% | 4,136 |
| Equity capital to assets | 11.0531% | 2,953 |
| Core capital (leverage) ratio | 10.7623% | 2,719 |
| Tier 1 risk-based capital ratio | 10.9772% | 5,383 |
| Total risk-based capital ratio | 12.0857% | 5,371 |
| Memoranda: | ||
| Average total assets | $18,032,745,750 | 82 |
| Average earning assets | $17,368,794,500 | 79 |
| Average equity | $2,017,727,750 | 79 |
| Average total loans | $13,954,257,250 | 73 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7622% | 4,083 |
| Cost of funding earning assets | 0.3463% | 3,609 |
| Net interest margin | 3.4159% | 3,828 |
| Noninterest income to average assets | 0.7747% | 1,827 |
| Noninterest expense to average assets | 1.9384% | 5,391 |
| Loan and lease loss provision to assets | 0.1354% | 1,682 |
| Net operating income to assets | 1.2720% | 1,355 |
| Return on assets (ROA) | 1.2801% | 1,444 |
| Pretax return on assets | 2.0024% | 565 |
| Return on Equity (ROE) | 11.3903% | 1,514 |
| Retained earnings to average equity (ytd only) | 11.3903% | 392 |
| Net charge-offs to loans | 0.0603% | 2,332 |
| Credit loss provision to net charge-offs | 289.9249% | 989 |
| Earnings coverage of net charge-offs (x) | 45.5013% | 1,060 |
| Efficiency ratio | 47.3997% | 5,696 |
| Assets per employee ($millions) | 14.3634% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 3,167 |
| Loan loss allowance to noncurrent loans | 251.6256% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4639% | 3,664 |
| Noncurrent loans to loans | 0.4901% | 3,614 |
| Net loans and leases to total assets | 76.8157% | 1,365 |
| Net loans and leases to deposits | 95.4415% | 1,141 |
| Net loans and leases to core deposits | 132.5425% | 269 |
| Total domestic deposits to total assets | 80.4846% | 4,414 |
| Equity capital to assets | 11.3382% | 2,705 |
| Core capital (leverage) ratio | 10.9026% | 2,526 |
| Tier 1 risk-based capital ratio | 11.0077% | 5,418 |
| Total risk-based capital ratio | 12.0791% | 5,431 |
| Memoranda: | ||
| Average total assets | $17,680,149,330 | 83 |
| Average earning assets | $17,023,147,000 | 80 |
| Average equity | $1,986,938,330 | 79 |
| Average total loans | $13,688,557,330 | 74 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7650% | 4,083 |
| Cost of funding earning assets | 0.3332% | 3,792 |
| Net interest margin | 3.4318% | 3,758 |
| Noninterest income to average assets | 0.7436% | 1,844 |
| Noninterest expense to average assets | 1.9959% | 5,352 |
| Loan and lease loss provision to assets | 0.1468% | 1,439 |
| Net operating income to assets | 1.2346% | 1,439 |
| Return on assets (ROA) | 1.2425% | 1,527 |
| Pretax return on assets | 1.9177% | 664 |
| Return on Equity (ROE) | 11.1072% | 1,567 |
| Retained earnings to average equity (ytd only) | 11.1072% | 633 |
| Net charge-offs to loans | 0.0540% | 1,984 |
| Credit loss provision to net charge-offs | 351.9516% | 770 |
| Earnings coverage of net charge-offs (x) | 49.2001% | 893 |
| Efficiency ratio | 48.9976% | 5,679 |
| Assets per employee ($millions) | 14.3623% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2615% | 3,106 |
| Loan loss allowance to noncurrent loans | 270.0795% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 3,805 |
| Noncurrent loans to loans | 0.4671% | 3,775 |
| Net loans and leases to total assets | 75.7710% | 1,427 |
| Net loans and leases to deposits | 92.1413% | 1,332 |
| Net loans and leases to core deposits | 124.4438% | 360 |
| Total domestic deposits to total assets | 82.2335% | 4,138 |
| Equity capital to assets | 11.2729% | 2,655 |
| Core capital (leverage) ratio | 10.8234% | 2,600 |
| Tier 1 risk-based capital ratio | 11.0906% | 5,460 |
| Total risk-based capital ratio | 12.1791% | 5,449 |
| Memoranda: | ||
| Average total assets | $17,442,582,000 | 84 |
| Average earning assets | $16,796,662,500 | 81 |
| Average equity | $1,951,163,500 | 81 |
| Average total loans | $13,472,711,000 | 74 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 4,422 |
| Cost of funding earning assets | 0.3144% | 4,085 |
| Net interest margin | 3.3679% | 4,045 |
| Noninterest income to average assets | 0.7616% | 1,926 |
| Noninterest expense to average assets | 1.9348% | 5,572 |
| Loan and lease loss provision to assets | 0.0900% | 2,501 |
| Net operating income to assets | 1.2344% | 1,437 |
| Return on assets (ROA) | 1.2376% | 1,481 |
| Pretax return on assets | 1.9805% | 559 |
| Return on Equity (ROE) | 11.2773% | 1,522 |
| Retained earnings to average equity (ytd only) | 11.2773% | 317 |
| Net charge-offs to loans | 0.0507% | 3,185 |
| Credit loss provision to net charge-offs | 229.3734% | 1,241 |
| Earnings coverage of net charge-offs (x) | 52.6669% | 965 |
| Efficiency ratio | 47.9932% | 5,843 |
| Assets per employee ($millions) | 14.1377% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 3,229 |
| Loan loss allowance to noncurrent loans | 284.4293% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 4,040 |
| Noncurrent loans to loans | 0.4367% | 3,900 |
| Net loans and leases to total assets | 76.7879% | 1,289 |
| Net loans and leases to deposits | 91.8541% | 1,424 |
| Net loans and leases to core deposits | 126.3750% | 322 |
| Total domestic deposits to total assets | 83.5977% | 3,636 |
| Equity capital to assets | 11.0974% | 2,728 |
| Core capital (leverage) ratio | 10.6220% | 2,807 |
| Tier 1 risk-based capital ratio | 10.8370% | 5,609 |
| Total risk-based capital ratio | 11.9055% | 5,618 |
| Memoranda: | ||
| Average total assets | $16,441,596,400 | 86 |
| Average earning assets | $15,810,797,400 | 82 |
| Average equity | $1,804,286,200 | 84 |
| Average total loans | $12,707,465,400 | 74 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6542% | 4,563 |
| Cost of funding earning assets | 0.3127% | 4,191 |
| Net interest margin | 3.3415% | 4,175 |
| Noninterest income to average assets | 0.7686% | 1,933 |
| Noninterest expense to average assets | 1.9615% | 5,548 |
| Loan and lease loss provision to assets | 0.0982% | 2,214 |
| Net operating income to assets | 1.2015% | 1,645 |
| Return on assets (ROA) | 1.2057% | 1,703 |
| Pretax return on assets | 1.9278% | 687 |
| Return on Equity (ROE) | 11.0198% | 1,699 |
| Retained earnings to average equity (ytd only) | 11.0198% | 474 |
| Net charge-offs to loans | 0.0145% | 3,671 |
| Credit loss provision to net charge-offs | 879.3382% | 412 |
| Earnings coverage of net charge-offs (x) | 180.8991% | 401 |
| Efficiency ratio | 48.8858% | 5,830 |
| Assets per employee ($millions) | 13.7805% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 3,186 |
| Loan loss allowance to noncurrent loans | 349.5754% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 4,322 |
| Noncurrent loans to loans | 0.3672% | 4,300 |
| Net loans and leases to total assets | 77.1482% | 1,231 |
| Net loans and leases to deposits | 93.2477% | 1,280 |
| Net loans and leases to core deposits | 132.8352% | 237 |
| Total domestic deposits to total assets | 82.7347% | 3,906 |
| Equity capital to assets | 11.0479% | 2,963 |
| Core capital (leverage) ratio | 10.6500% | 2,877 |
| Tier 1 risk-based capital ratio | 10.6890% | 5,805 |
| Total risk-based capital ratio | 11.8179% | 5,786 |
| Memoranda: | ||
| Average total assets | $16,243,525,000 | 87 |
| Average earning assets | $15,615,321,250 | 83 |
| Average equity | $1,777,230,750 | 88 |
| Average total loans | $12,534,334,250 | 74 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 4,629 |
| Cost of funding earning assets | 0.3146% | 4,226 |
| Net interest margin | 3.3183% | 4,220 |
| Noninterest income to average assets | 0.7992% | 1,782 |
| Noninterest expense to average assets | 1.9654% | 5,599 |
| Loan and lease loss provision to assets | 0.0968% | 2,207 |
| Net operating income to assets | 1.2040% | 1,590 |
| Return on assets (ROA) | 1.2083% | 1,652 |
| Pretax return on assets | 1.9318% | 686 |
| Return on Equity (ROE) | 11.0812% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.0812% | 497 |
| Net charge-offs to loans | 0.0484% | 2,742 |
| Credit loss provision to net charge-offs | 260.3824% | 1,020 |
| Earnings coverage of net charge-offs (x) | 54.3821% | 900 |
| Efficiency ratio | 48.8847% | 5,910 |
| Assets per employee ($millions) | 13.6662% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 3,273 |
| Loan loss allowance to noncurrent loans | 265.7325% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 4,035 |
| Noncurrent loans to loans | 0.4870% | 4,015 |
| Net loans and leases to total assets | 76.9547% | 1,232 |
| Net loans and leases to deposits | 92.7067% | 1,286 |
| Net loans and leases to core deposits | 134.9347% | 210 |
| Total domestic deposits to total assets | 83.0088% | 3,956 |
| Equity capital to assets | 11.1098% | 2,769 |
| Core capital (leverage) ratio | 10.5324% | 2,914 |
| Tier 1 risk-based capital ratio | 10.7930% | 5,807 |
| Total risk-based capital ratio | 11.9193% | 5,794 |
| Memoranda: | ||
| Average total assets | $16,035,580,670 | 89 |
| Average earning assets | $15,406,488,670 | 85 |
| Average equity | $1,748,480,000 | 91 |
| Average total loans | $12,318,424,000 | 77 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6097% | 4,660 |
| Cost of funding earning assets | 0.3098% | 4,327 |
| Net interest margin | 3.2999% | 4,220 |
| Noninterest income to average assets | 0.7959% | 1,727 |
| Noninterest expense to average assets | 1.9812% | 5,618 |
| Loan and lease loss provision to assets | 0.1415% | 1,446 |
| Net operating income to assets | 1.1484% | 1,710 |
| Return on assets (ROA) | 1.1569% | 1,786 |
| Pretax return on assets | 1.8577% | 781 |
| Return on Equity (ROE) | 10.7130% | 1,730 |
| Retained earnings to average equity (ytd only) | 10.7130% | 772 |
| Net charge-offs to loans | 0.0450% | 2,353 |
| Credit loss provision to net charge-offs | 412.7193% | 640 |
| Earnings coverage of net charge-offs (x) | 57.9079% | 761 |
| Efficiency ratio | 49.5264% | 5,944 |
| Assets per employee ($millions) | 14.0239% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 3,291 |
| Loan loss allowance to noncurrent loans | 213.8053% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 3,789 |
| Noncurrent loans to loans | 0.6189% | 3,720 |
| Net loans and leases to total assets | 74.2283% | 1,463 |
| Net loans and leases to deposits | 85.6672% | 1,876 |
| Net loans and leases to core deposits | 123.6702% | 334 |
| Total domestic deposits to total assets | 86.6473% | 2,575 |
| Equity capital to assets | 10.7396% | 3,278 |
| Core capital (leverage) ratio | 10.4677% | 3,011 |
| Tier 1 risk-based capital ratio | 10.6464% | 5,963 |
| Total risk-based capital ratio | 11.7867% | 5,936 |
| Memoranda: | ||
| Average total assets | $15,956,132,000 | 89 |
| Average earning assets | $15,333,581,000 | 84 |
| Average equity | $1,723,135,500 | 91 |
| Average total loans | $12,164,734,500 | 77 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7238% | 4,717 |
| Cost of funding earning assets | 0.3075% | 4,715 |
| Net interest margin | 3.4163% | 4,129 |
| Noninterest income to average assets | 0.7456% | 2,095 |
| Noninterest expense to average assets | 1.9969% | 5,763 |
| Loan and lease loss provision to assets | 0.0818% | 2,847 |
| Net operating income to assets | 1.1922% | 1,609 |
| Return on assets (ROA) | 1.1945% | 1,671 |
| Pretax return on assets | 1.9372% | 581 |
| Return on Equity (ROE) | 10.7203% | 1,809 |
| Retained earnings to average equity (ytd only) | 4.6264% | 2,881 |
| Net charge-offs to loans | 0.0328% | 4,174 |
| Credit loss provision to net charge-offs | 322.8089% | 811 |
| Earnings coverage of net charge-offs (x) | 79.5503% | 628 |
| Efficiency ratio | 49.2614% | 6,125 |
| Assets per employee ($millions) | 13.3343% | 104 |
| Cash dividends to net income (ytd only)* | 56.8447% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3098% | 3,368 |
| Loan loss allowance to noncurrent loans | 214.8469% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 3,839 |
| Noncurrent loans to loans | 0.6096% | 3,851 |
| Net loans and leases to total assets | 76.2907% | 1,219 |
| Net loans and leases to deposits | 89.5204% | 1,563 |
| Net loans and leases to core deposits | 105.2083% | 1,064 |
| Total domestic deposits to total assets | 85.2216% | 3,201 |
| Equity capital to assets | 10.8618% | 3,048 |
| Core capital (leverage) ratio | 10.2360% | 3,263 |
| Tier 1 risk-based capital ratio | 10.7856% | 5,997 |
| Total risk-based capital ratio | 11.9526% | 5,962 |
| Memoranda: | ||
| Average total assets | $14,727,143,200 | 88 |
| Average earning assets | $14,081,899,200 | 86 |
| Average equity | $1,640,977,600 | 92 |
| Average total loans | $11,361,199,800 | 78 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 4,757 |
| Cost of funding earning assets | 0.3009% | 4,879 |
| Net interest margin | 3.4341% | 4,094 |
| Noninterest income to average assets | 0.7409% | 2,136 |
| Noninterest expense to average assets | 1.9745% | 5,809 |
| Loan and lease loss provision to assets | 0.0728% | 2,886 |
| Net operating income to assets | 1.2168% | 1,625 |
| Return on assets (ROA) | 1.2199% | 1,667 |
| Pretax return on assets | 1.9787% | 598 |
| Return on Equity (ROE) | 10.8744% | 1,842 |
| Retained earnings to average equity (ytd only) | 6.7803% | 1,940 |
| Net charge-offs to loans | 0.0252% | 4,000 |
| Credit loss provision to net charge-offs | 374.3033% | 756 |
| Earnings coverage of net charge-offs (x) | 105.2497% | 565 |
| Efficiency ratio | 48.5851% | 6,174 |
| Assets per employee ($millions) | 12.9792% | 115 |
| Cash dividends to net income (ytd only)* | 37.6492% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3253% | 3,519 |
| Loan loss allowance to noncurrent loans | 187.2820% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.6644% | 3,845 |
| Noncurrent loans to loans | 0.7076% | 3,838 |
| Net loans and leases to total assets | 75.9414% | 1,229 |
| Net loans and leases to deposits | 88.1044% | 1,660 |
| Net loans and leases to core deposits | 105.2481% | 1,006 |
| Total domestic deposits to total assets | 86.1948% | 2,760 |
| Equity capital to assets | 11.1483% | 2,816 |
| Core capital (leverage) ratio | 10.7884% | 2,705 |
| Tier 1 risk-based capital ratio | 11.2229% | 5,903 |
| Total risk-based capital ratio | 12.3962% | 5,889 |
| Memoranda: | ||
| Average total assets | $14,515,312,750 | 91 |
| Average earning assets | $13,865,163,250 | 87 |
| Average equity | $1,628,306,750 | 91 |
| Average total loans | $11,191,609,250 | 80 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 4,778 |
| Cost of funding earning assets | 0.2963% | 5,003 |
| Net interest margin | 3.4298% | 4,060 |
| Noninterest income to average assets | 0.7183% | 2,195 |
| Noninterest expense to average assets | 1.9721% | 5,871 |
| Loan and lease loss provision to assets | 0.0564% | 3,168 |
| Net operating income to assets | 1.2066% | 1,565 |
| Return on assets (ROA) | 1.2114% | 1,619 |
| Pretax return on assets | 1.9684% | 595 |
| Return on Equity (ROE) | 10.7749% | 1,816 |
| Retained earnings to average equity (ytd only) | 4.5549% | 3,267 |
| Net charge-offs to loans | 0.0372% | 3,477 |
| Credit loss provision to net charge-offs | 196.5416% | 1,191 |
| Earnings coverage of net charge-offs (x) | 70.2660% | 730 |
| Efficiency ratio | 48.9010% | 6,229 |
| Assets per employee ($millions) | 12.7366% | 111 |
| Cash dividends to net income (ytd only)* | 57.7267% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 3,222 |
| Loan loss allowance to noncurrent loans | 181.9751% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 3,707 |
| Noncurrent loans to loans | 0.7827% | 3,743 |
| Net loans and leases to total assets | 76.4084% | 1,118 |
| Net loans and leases to deposits | 90.3003% | 1,345 |
| Net loans and leases to core deposits | 109.9341% | 699 |
| Total domestic deposits to total assets | 84.6159% | 3,678 |
| Equity capital to assets | 11.3065% | 2,604 |
| Core capital (leverage) ratio | 10.6856% | 2,739 |
| Tier 1 risk-based capital ratio | 11.2996% | 5,905 |
| Total risk-based capital ratio | 12.5498% | 5,849 |
| Memoranda: | ||
| Average total assets | $14,300,529,000 | 91 |
| Average earning assets | $13,639,453,670 | 86 |
| Average equity | $1,607,725,330 | 91 |
| Average total loans | $11,033,117,330 | 78 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 4,832 |
| Cost of funding earning assets | 0.2962% | 5,103 |
| Net interest margin | 3.4080% | 4,082 |
| Noninterest income to average assets | 0.6717% | 2,340 |
| Noninterest expense to average assets | 1.9945% | 5,896 |
| Loan and lease loss provision to assets | 0.1047% | 2,177 |
| Net operating income to assets | 1.1283% | 1,706 |
| Return on assets (ROA) | 1.1343% | 1,748 |
| Pretax return on assets | 1.8335% | 763 |
| Return on Equity (ROE) | 10.1192% | 1,988 |
| Retained earnings to average equity (ytd only) | -2.4763% | 5,911 |
| Net charge-offs to loans | -0.0077% | 4,945 |
| Credit loss provision to net charge-offs | -1,765.2381% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2919% | 6,240 |
| Assets per employee ($millions) | 12.6346% | 126 |
| Cash dividends to net income (ytd only)* | 124.4710% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 3,233 |
| Loan loss allowance to noncurrent loans | 155.4425% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.9400% | 3,376 |
| Noncurrent loans to loans | 0.9522% | 3,509 |
| Net loans and leases to total assets | 76.1535% | 986 |
| Net loans and leases to deposits | 90.7392% | 1,066 |
| Net loans and leases to core deposits | 106.8703% | 723 |
| Total domestic deposits to total assets | 83.9256% | 4,295 |
| Equity capital to assets | 11.1157% | 2,610 |
| Core capital (leverage) ratio | 10.6148% | 2,793 |
| Tier 1 risk-based capital ratio | 11.2058% | 6,072 |
| Total risk-based capital ratio | 12.4566% | 6,018 |
| Memoranda: | ||
| Average total assets | $14,165,461,500 | 90 |
| Average earning assets | $13,515,418,500 | 85 |
| Average equity | $1,587,871,000 | 90 |
| Average total loans | $10,902,637,000 | 78 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 4,887 |
| Cost of funding earning assets | 0.3506% | 5,131 |
| Net interest margin | 3.4271% | 4,176 |
| Noninterest income to average assets | 0.6954% | 2,568 |
| Noninterest expense to average assets | 1.9851% | 6,055 |
| Loan and lease loss provision to assets | 0.2314% | 1,560 |
| Net operating income to assets | 1.0653% | 2,056 |
| Return on assets (ROA) | 1.0708% | 2,116 |
| Pretax return on assets | 1.7377% | 880 |
| Return on Equity (ROE) | 9.6453% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.6453% | 634 |
| Net charge-offs to loans | 0.4872% | 1,366 |
| Credit loss provision to net charge-offs | 62.5893% | 3,488 |
| Earnings coverage of net charge-offs (x) | 5.3024% | 3,332 |
| Efficiency ratio | 49.7350% | 6,406 |
| Assets per employee ($millions) | 12.5930% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 3,273 |
| Loan loss allowance to noncurrent loans | 145.3099% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 1.0408% | 3,340 |
| Noncurrent loans to loans | 1.0200% | 3,471 |
| Net loans and leases to total assets | 75.4941% | 1,150 |
| Net loans and leases to deposits | 87.9052% | 1,476 |
| Net loans and leases to core deposits | 104.0361% | 907 |
| Total domestic deposits to total assets | 85.8813% | 3,322 |
| Equity capital to assets | 11.3047% | 2,335 |
| Core capital (leverage) ratio | 10.7042% | 2,675 |
| Tier 1 risk-based capital ratio | 11.4362% | 5,939 |
| Total risk-based capital ratio | 12.6869% | 5,883 |
| Memoranda: | ||
| Average total assets | $13,739,451,000 | 88 |
| Average earning assets | $13,029,872,000 | 82 |
| Average equity | $1,525,338,800 | 93 |
| Average total loans | $10,426,547,000 | 74 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 4,927 |
| Cost of funding earning assets | 0.3603% | 5,192 |
| Net interest margin | 3.4209% | 4,203 |
| Noninterest income to average assets | 0.7065% | 2,570 |
| Noninterest expense to average assets | 1.9885% | 6,028 |
| Loan and lease loss provision to assets | 0.2666% | 1,325 |
| Net operating income to assets | 1.0383% | 2,232 |
| Return on assets (ROA) | 1.0439% | 2,289 |
| Pretax return on assets | 1.6973% | 1,105 |
| Return on Equity (ROE) | 9.4470% | 2,427 |
| Retained earnings to average equity (ytd only) | 9.4470% | 924 |
| Net charge-offs to loans | 0.5540% | 1,147 |
| Credit loss provision to net charge-offs | 63.5866% | 3,215 |
| Earnings coverage of net charge-offs (x) | 4.6627% | 3,383 |
| Efficiency ratio | 49.8420% | 6,406 |
| Assets per employee ($millions) | 12.4214% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5844% | 3,076 |
| Loan loss allowance to noncurrent loans | 120.9025% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 1.3708% | 2,906 |
| Noncurrent loans to loans | 1.3104% | 3,219 |
| Net loans and leases to total assets | 75.0422% | 1,130 |
| Net loans and leases to deposits | 87.3042% | 1,457 |
| Net loans and leases to core deposits | 105.1542% | 809 |
| Total domestic deposits to total assets | 85.9549% | 3,281 |
| Equity capital to assets | 11.2359% | 2,526 |
| Core capital (leverage) ratio | 10.5930% | 2,899 |
| Tier 1 risk-based capital ratio | 11.3622% | 6,119 |
| Total risk-based capital ratio | 12.8044% | 6,002 |
| Memoranda: | ||
| Average total assets | $13,660,862,750 | 87 |
| Average earning assets | $12,927,278,500 | 83 |
| Average equity | $1,509,489,750 | 94 |
| Average total loans | $10,340,831,250 | 74 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 4,900 |
| Cost of funding earning assets | 0.3661% | 5,256 |
| Net interest margin | 3.4115% | 4,153 |
| Noninterest income to average assets | 0.7226% | 2,535 |
| Noninterest expense to average assets | 2.0593% | 5,944 |
| Loan and lease loss provision to assets | 0.2823% | 1,288 |
| Net operating income to assets | 0.9906% | 2,373 |
| Return on assets (ROA) | 0.9979% | 2,475 |
| Pretax return on assets | 1.6197% | 1,307 |
| Return on Equity (ROE) | 9.0827% | 2,576 |
| Retained earnings to average equity (ytd only) | 9.0827% | 1,094 |
| Net charge-offs to loans | 0.6177% | 1,072 |
| Credit loss provision to net charge-offs | 60.5258% | 3,008 |
| Earnings coverage of net charge-offs (x) | 4.0533% | 3,226 |
| Efficiency ratio | 51.5542% | 6,311 |
| Assets per employee ($millions) | 12.2563% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 2,824 |
| Loan loss allowance to noncurrent loans | 123.6818% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.5941% | 2,725 |
| Noncurrent loans to loans | 1.3646% | 3,276 |
| Net loans and leases to total assets | 75.0260% | 1,102 |
| Net loans and leases to deposits | 88.6826% | 1,266 |
| Net loans and leases to core deposits | 106.7827% | 702 |
| Total domestic deposits to total assets | 84.6006% | 4,087 |
| Equity capital to assets | 11.2255% | 2,541 |
| Core capital (leverage) ratio | 10.4726% | 2,918 |
| Tier 1 risk-based capital ratio | 11.3300% | 6,186 |
| Total risk-based capital ratio | 12.9744% | 5,934 |
| Memoranda: | ||
| Average total assets | $13,602,000,330 | 87 |
| Average earning assets | $12,867,406,670 | 83 |
| Average equity | $1,494,400,670 | 94 |
| Average total loans | $10,270,745,330 | 74 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7601% | 4,956 |
| Cost of funding earning assets | 0.3721% | 5,347 |
| Net interest margin | 3.3880% | 4,165 |
| Noninterest income to average assets | 0.7302% | 2,429 |
| Noninterest expense to average assets | 2.0637% | 5,975 |
| Loan and lease loss provision to assets | 0.3028% | 1,135 |
| Net operating income to assets | 0.9615% | 2,392 |
| Return on assets (ROA) | 0.9735% | 2,468 |
| Pretax return on assets | 1.5811% | 1,344 |
| Return on Equity (ROE) | 8.9563% | 2,506 |
| Retained earnings to average equity (ytd only) | 8.9563% | 1,396 |
| Net charge-offs to loans | 0.6889% | 892 |
| Credit loss provision to net charge-offs | 58.5240% | 2,475 |
| Earnings coverage of net charge-offs (x) | 3.6046% | 2,726 |
| Efficiency ratio | 51.9442% | 6,387 |
| Assets per employee ($millions) | 12.1340% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 2,821 |
| Loan loss allowance to noncurrent loans | 118.9076% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 1.8398% | 2,557 |
| Noncurrent loans to loans | 1.4667% | 3,362 |
| Net loans and leases to total assets | 75.2355% | 932 |
| Net loans and leases to deposits | 87.5559% | 1,190 |
| Net loans and leases to core deposits | 103.4432% | 743 |
| Total domestic deposits to total assets | 85.9285% | 3,567 |
| Equity capital to assets | 11.2683% | 2,660 |
| Core capital (leverage) ratio | 10.0312% | 3,335 |
| Tier 1 risk-based capital ratio | 11.1471% | 6,342 |
| Total risk-based capital ratio | 12.7966% | 6,129 |
| Memoranda: | ||
| Average total assets | $13,680,416,000 | 87 |
| Average earning assets | $12,915,638,500 | 83 |
| Average equity | $1,486,957,500 | 94 |
| Average total loans | $10,275,840,500 | 73 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 5,340 |
| Cost of funding earning assets | 0.3985% | 5,931 |
| Net interest margin | 3.5913% | 4,127 |
| Noninterest income to average assets | 0.6290% | 3,118 |
| Noninterest expense to average assets | 2.0985% | 6,132 |
| Loan and lease loss provision to assets | 0.5481% | 1,046 |
| Net operating income to assets | 0.8284% | 3,143 |
| Return on assets (ROA) | 0.8275% | 3,406 |
| Pretax return on assets | 1.3449% | 2,230 |
| Return on Equity (ROE) | 7.6326% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.6326% | 1,266 |
| Net charge-offs to loans | 1.0450% | 1,028 |
| Credit loss provision to net charge-offs | 70.3286% | 4,153 |
| Earnings coverage of net charge-offs (x) | 2.4309% | 4,197 |
| Efficiency ratio | 52.0408% | 6,461 |
| Assets per employee ($millions) | 12.6929% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 2,605 |
| Loan loss allowance to noncurrent loans | 118.0905% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.8773% | 2,601 |
| Noncurrent loans to loans | 1.5185% | 3,329 |
| Net loans and leases to total assets | 72.4058% | 1,436 |
| Net loans and leases to deposits | 82.8899% | 1,892 |
| Net loans and leases to core deposits | 97.4239% | 1,189 |
| Total domestic deposits to total assets | 87.3517% | 2,616 |
| Equity capital to assets | 10.4898% | 3,539 |
| Core capital (leverage) ratio | 9.6685% | 3,861 |
| Tier 1 risk-based capital ratio | 10.6608% | 6,494 |
| Total risk-based capital ratio | 12.3035% | 6,296 |
| Memoranda: | ||
| Average total assets | $13,032,424,000 | 93 |
| Average earning assets | $12,207,055,000 | 85 |
| Average equity | $1,412,934,400 | 97 |
| Average total loans | $9,718,705,200 | 78 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0546% | 5,346 |
| Cost of funding earning assets | 0.4034% | 6,099 |
| Net interest margin | 3.6513% | 4,003 |
| Noninterest income to average assets | 0.6233% | 3,141 |
| Noninterest expense to average assets | 2.1419% | 6,080 |
| Loan and lease loss provision to assets | 0.6075% | 900 |
| Net operating income to assets | 0.7956% | 3,474 |
| Return on assets (ROA) | 0.7931% | 3,728 |
| Pretax return on assets | 1.2871% | 2,652 |
| Return on Equity (ROE) | 7.2504% | 3,665 |
| Retained earnings to average equity (ytd only) | 7.2504% | 1,976 |
| Net charge-offs to loans | 1.1640% | 859 |
| Credit loss provision to net charge-offs | 69.7648% | 3,909 |
| Earnings coverage of net charge-offs (x) | 2.1803% | 4,168 |
| Efficiency ratio | 52.4931% | 6,405 |
| Assets per employee ($millions) | 11.8733% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9144% | 2,427 |
| Loan loss allowance to noncurrent loans | 90.5354% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 2.5009% | 2,118 |
| Noncurrent loans to loans | 2.1145% | 2,711 |
| Net loans and leases to total assets | 72.8334% | 1,419 |
| Net loans and leases to deposits | 83.9325% | 1,879 |
| Net loans and leases to core deposits | 101.8947% | 990 |
| Total domestic deposits to total assets | 86.7761% | 2,811 |
| Equity capital to assets | 10.9119% | 3,367 |
| Core capital (leverage) ratio | 9.9281% | 3,653 |
| Tier 1 risk-based capital ratio | 10.8868% | 6,519 |
| Total risk-based capital ratio | 12.5496% | 6,319 |
| Memoranda: | ||
| Average total assets | $12,784,126,500 | 93 |
| Average earning assets | $11,964,473,000 | 85 |
| Average equity | $1,398,352,750 | 100 |
| Average total loans | $9,563,186,500 | 79 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0985% | 5,316 |
| Cost of funding earning assets | 0.4025% | 6,250 |
| Net interest margin | 3.6960% | 3,842 |
| Noninterest income to average assets | 0.6087% | 3,204 |
| Noninterest expense to average assets | 2.1595% | 6,107 |
| Loan and lease loss provision to assets | 0.7085% | 762 |
| Net operating income to assets | 0.7365% | 3,670 |
| Return on assets (ROA) | 0.7348% | 3,950 |
| Pretax return on assets | 1.1916% | 2,961 |
| Return on Equity (ROE) | 6.7124% | 3,933 |
| Retained earnings to average equity (ytd only) | 6.7124% | 2,264 |
| Net charge-offs to loans | 1.3226% | 800 |
| Credit loss provision to net charge-offs | 71.4315% | 3,521 |
| Earnings coverage of net charge-offs (x) | 1.9183% | 4,019 |
| Efficiency ratio | 52.6382% | 6,450 |
| Assets per employee ($millions) | 11.9168% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0287% | 2,156 |
| Loan loss allowance to noncurrent loans | 85.4876% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 2.8562% | 1,931 |
| Noncurrent loans to loans | 2.3731% | 2,530 |
| Net loans and leases to total assets | 73.3536% | 1,344 |
| Net loans and leases to deposits | 87.2435% | 1,444 |
| Net loans and leases to core deposits | 109.8504% | 580 |
| Total domestic deposits to total assets | 84.0791% | 4,288 |
| Equity capital to assets | 10.9267% | 3,199 |
| Core capital (leverage) ratio | 9.8977% | 3,579 |
| Tier 1 risk-based capital ratio | 10.8257% | 6,570 |
| Total risk-based capital ratio | 12.7054% | 6,220 |
| Memoranda: | ||
| Average total assets | $12,628,646,330 | 93 |
| Average earning assets | $11,800,206,330 | 85 |
| Average equity | $1,382,509,330 | 101 |
| Average total loans | $9,471,181,670 | 80 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1323% | 5,347 |
| Cost of funding earning assets | 0.4051% | 6,382 |
| Net interest margin | 3.7272% | 3,705 |
| Noninterest income to average assets | 0.7109% | 2,610 |
| Noninterest expense to average assets | 2.1939% | 6,056 |
| Loan and lease loss provision to assets | 0.8871% | 504 |
| Net operating income to assets | 0.6758% | 4,005 |
| Return on assets (ROA) | 0.6783% | 4,205 |
| Pretax return on assets | 1.1104% | 3,285 |
| Return on Equity (ROE) | 6.1902% | 4,190 |
| Retained earnings to average equity (ytd only) | 6.1902% | 2,843 |
| Net charge-offs to loans | 1.5072% | 664 |
| Credit loss provision to net charge-offs | 78.4131% | 2,753 |
| Earnings coverage of net charge-offs (x) | 1.7620% | 3,460 |
| Efficiency ratio | 51.8807% | 6,555 |
| Assets per employee ($millions) | 11.9541% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2189% | 1,847 |
| Loan loss allowance to noncurrent loans | 82.0603% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 3.2253% | 1,792 |
| Noncurrent loans to loans | 2.7040% | 2,414 |
| Net loans and leases to total assets | 73.5759% | 1,132 |
| Net loans and leases to deposits | 87.6259% | 1,218 |
| Net loans and leases to core deposits | 103.4939% | 792 |
| Total domestic deposits to total assets | 83.9658% | 4,506 |
| Equity capital to assets | 10.9590% | 2,955 |
| Core capital (leverage) ratio | 9.9482% | 3,430 |
| Tier 1 risk-based capital ratio | 10.7873% | 6,631 |
| Total risk-based capital ratio | 12.6806% | 6,305 |
| Memoranda: | ||
| Average total assets | $12,490,022,000 | 92 |
| Average earning assets | $11,649,689,000 | 88 |
| Average equity | $1,368,668,500 | 104 |
| Average total loans | $9,375,286,500 | 80 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2026% | 6,042 |
| Cost of funding earning assets | 0.5023% | 6,521 |
| Net interest margin | 3.7004% | 4,291 |
| Noninterest income to average assets | 0.5770% | 3,316 |
| Noninterest expense to average assets | 2.0903% | 6,508 |
| Loan and lease loss provision to assets | 1.0827% | 840 |
| Net operating income to assets | 0.5488% | 4,241 |
| Return on assets (ROA) | 0.5777% | 4,293 |
| Pretax return on assets | 0.9012% | 3,604 |
| Return on Equity (ROE) | 5.4273% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.4273% | 2,352 |
| Net charge-offs to loans | 1.7566% | 850 |
| Credit loss provision to net charge-offs | 82.2510% | 4,355 |
| Earnings coverage of net charge-offs (x) | 1.4723% | 4,661 |
| Efficiency ratio | 51.5887% | 6,732 |
| Assets per employee ($millions) | 11.8587% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3444% | 1,552 |
| Loan loss allowance to noncurrent loans | 77.7603% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 3.5168% | 1,682 |
| Noncurrent loans to loans | 3.0149% | 2,155 |
| Net loans and leases to total assets | 73.1207% | 1,431 |
| Net loans and leases to deposits | 85.9508% | 1,673 |
| Net loans and leases to core deposits | 101.5978% | 1,059 |
| Total domestic deposits to total assets | 85.0727% | 3,807 |
| Equity capital to assets | 10.9572% | 3,018 |
| Core capital (leverage) ratio | 9.8504% | 3,518 |
| Tier 1 risk-based capital ratio | 10.7574% | 6,580 |
| Total risk-based capital ratio | 12.6617% | 6,206 |
| Memoranda: | ||
| Average total assets | $12,274,536,600 | 91 |
| Average earning assets | $11,448,413,400 | 86 |
| Average equity | $1,306,519,600 | 102 |
| Average total loans | $9,198,126,400 | 80 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2184% | 6,164 |
| Cost of funding earning assets | 0.5250% | 6,604 |
| Net interest margin | 3.6934% | 4,369 |
| Noninterest income to average assets | 0.5414% | 3,575 |
| Noninterest expense to average assets | 2.0807% | 6,534 |
| Loan and lease loss provision to assets | 1.1028% | 743 |
| Net operating income to assets | 0.5270% | 4,418 |
| Return on assets (ROA) | 0.5643% | 4,420 |
| Pretax return on assets | 0.8614% | 3,909 |
| Return on Equity (ROE) | 5.3408% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.3408% | 2,959 |
| Net charge-offs to loans | 1.7935% | 748 |
| Credit loss provision to net charge-offs | 82.0409% | 4,072 |
| Earnings coverage of net charge-offs (x) | 1.4185% | 4,567 |
| Efficiency ratio | 51.8720% | 6,691 |
| Assets per employee ($millions) | 11.3646% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4200% | 1,508 |
| Loan loss allowance to noncurrent loans | 66.3951% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 3.9295% | 1,566 |
| Noncurrent loans to loans | 3.6448% | 1,885 |
| Net loans and leases to total assets | 72.8891% | 1,534 |
| Net loans and leases to deposits | 85.0433% | 1,828 |
| Net loans and leases to core deposits | 100.9184% | 1,168 |
| Total domestic deposits to total assets | 85.7083% | 3,376 |
| Equity capital to assets | 11.1620% | 2,994 |
| Core capital (leverage) ratio | 9.8940% | 3,582 |
| Tier 1 risk-based capital ratio | 11.1139% | 6,471 |
| Total risk-based capital ratio | 13.0515% | 6,025 |
| Memoranda: | ||
| Average total assets | $12,245,079,250 | 90 |
| Average earning assets | $11,425,367,000 | 86 |
| Average equity | $1,293,686,750 | 103 |
| Average total loans | $9,177,929,500 | 79 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 6,260 |
| Cost of funding earning assets | 0.5435% | 6,689 |
| Net interest margin | 3.6673% | 4,428 |
| Noninterest income to average assets | 0.5298% | 3,625 |
| Noninterest expense to average assets | 2.0655% | 6,663 |
| Loan and lease loss provision to assets | 1.1139% | 727 |
| Net operating income to assets | 0.5195% | 4,420 |
| Return on assets (ROA) | 0.5278% | 4,530 |
| Pretax return on assets | 0.7910% | 4,064 |
| Return on Equity (ROE) | 5.0887% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.0887% | 2,949 |
| Net charge-offs to loans | 1.8287% | 758 |
| Credit loss provision to net charge-offs | 81.1752% | 3,732 |
| Earnings coverage of net charge-offs (x) | 1.3784% | 4,246 |
| Efficiency ratio | 51.8910% | 6,794 |
| Assets per employee ($millions) | 11.7448% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4903% | 1,461 |
| Loan loss allowance to noncurrent loans | 64.1913% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 4.1145% | 1,553 |
| Noncurrent loans to loans | 3.8794% | 1,790 |
| Net loans and leases to total assets | 72.3130% | 1,727 |
| Net loans and leases to deposits | 83.9590% | 2,115 |
| Net loans and leases to core deposits | 104.1221% | 1,038 |
| Total domestic deposits to total assets | 86.1289% | 3,256 |
| Equity capital to assets | 10.8005% | 3,175 |
| Core capital (leverage) ratio | 9.4106% | 4,090 |
| Tier 1 risk-based capital ratio | 11.0809% | 6,460 |
| Total risk-based capital ratio | 13.2579% | 5,753 |
| Memoranda: | ||
| Average total assets | $12,330,225,670 | 91 |
| Average earning assets | $11,522,660,330 | 88 |
| Average equity | $1,278,823,000 | 105 |
| Average total loans | $9,251,948,670 | 81 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 6,248 |
| Cost of funding earning assets | 0.5558% | 6,780 |
| Net interest margin | 3.6598% | 4,281 |
| Noninterest income to average assets | 0.5604% | 3,431 |
| Noninterest expense to average assets | 2.0560% | 6,727 |
| Loan and lease loss provision to assets | 1.2071% | 583 |
| Net operating income to assets | 0.5340% | 4,335 |
| Return on assets (ROA) | 0.5410% | 4,389 |
| Pretax return on assets | 0.7335% | 4,173 |
| Return on Equity (ROE) | 5.3230% | 4,227 |
| Retained earnings to average equity (ytd only) | 5.3230% | 2,990 |
| Net charge-offs to loans | 1.7558% | 748 |
| Credit loss provision to net charge-offs | 91.1070% | 2,922 |
| Earnings coverage of net charge-offs (x) | 1.4570% | 3,613 |
| Efficiency ratio | 51.2732% | 6,903 |
| Assets per employee ($millions) | 11.9632% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5456% | 1,395 |
| Loan loss allowance to noncurrent loans | 63.8515% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 3.9554% | 1,685 |
| Noncurrent loans to loans | 3.9868% | 1,824 |
| Net loans and leases to total assets | 73.0842% | 1,498 |
| Net loans and leases to deposits | 84.4149% | 1,966 |
| Net loans and leases to core deposits | 105.0699% | 994 |
| Total domestic deposits to total assets | 86.5774% | 3,193 |
| Equity capital to assets | 10.2164% | 3,519 |
| Core capital (leverage) ratio | 9.2612% | 4,187 |
| Tier 1 risk-based capital ratio | 10.5287% | 6,790 |
| Total risk-based capital ratio | 12.6741% | 6,144 |
| Memoranda: | ||
| Average total assets | $12,452,633,500 | 89 |
| Average earning assets | $11,656,973,000 | 87 |
| Average equity | $1,265,593,000 | 108 |
| Average total loans | $9,396,666,500 | 79 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 6,703 |
| Cost of funding earning assets | 0.7481% | 6,743 |
| Net interest margin | 3.6007% | 4,823 |
| Noninterest income to average assets | 0.5554% | 3,786 |
| Noninterest expense to average assets | 2.0697% | 6,912 |
| Loan and lease loss provision to assets | 1.5537% | 945 |
| Net operating income to assets | 0.1916% | 5,293 |
| Return on assets (ROA) | 0.2535% | 5,248 |
| Pretax return on assets | 0.3855% | 4,994 |
| Return on Equity (ROE) | 2.5694% | 5,142 |
| Retained earnings to average equity (ytd only) | 2.5694% | 4,067 |
| Net charge-offs to loans | 2.0389% | 987 |
| Credit loss provision to net charge-offs | 101.9062% | 4,445 |
| Earnings coverage of net charge-offs (x) | 1.2096% | 4,896 |
| Efficiency ratio | 52.5454% | 6,941 |
| Assets per employee ($millions) | 12.0773% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5215% | 1,389 |
| Loan loss allowance to noncurrent loans | 62.3056% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 4.0445% | 1,676 |
| Noncurrent loans to loans | 4.0470% | 1,787 |
| Net loans and leases to total assets | 74.0118% | 1,661 |
| Net loans and leases to deposits | 85.8672% | 2,129 |
| Net loans and leases to core deposits | 109.3672% | 957 |
| Total domestic deposits to total assets | 86.1933% | 3,250 |
| Equity capital to assets | 10.1100% | 3,602 |
| Core capital (leverage) ratio | 9.1103% | 4,344 |
| Tier 1 risk-based capital ratio | 10.1922% | 6,873 |
| Total risk-based capital ratio | 12.3221% | 6,244 |
| Memoranda: | ||
| Average total assets | $12,520,916,400 | 89 |
| Average earning assets | $11,678,740,400 | 87 |
| Average equity | $1,235,329,200 | 101 |
| Average total loans | $9,362,959,000 | 79 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 6,797 |
| Cost of funding earning assets | 0.8058% | 6,746 |
| Net interest margin | 3.6076% | 4,836 |
| Noninterest income to average assets | 0.5124% | 4,082 |
| Noninterest expense to average assets | 1.9931% | 7,058 |
| Loan and lease loss provision to assets | 1.7027% | 751 |
| Net operating income to assets | 0.1197% | 5,722 |
| Return on assets (ROA) | 0.1382% | 5,830 |
| Pretax return on assets | 0.2061% | 5,719 |
| Return on Equity (ROE) | 1.4071% | 5,793 |
| Retained earnings to average equity (ytd only) | 1.4071% | 5,242 |
| Net charge-offs to loans | 2.2467% | 795 |
| Credit loss provision to net charge-offs | 101.5295% | 4,247 |
| Earnings coverage of net charge-offs (x) | 1.1211% | 4,932 |
| Efficiency ratio | 51.1118% | 7,063 |
| Assets per employee ($millions) | 12.0261% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5194% | 1,293 |
| Loan loss allowance to noncurrent loans | 48.0922% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 4.7482% | 1,388 |
| Noncurrent loans to loans | 5.2386% | 1,299 |
| Net loans and leases to total assets | 72.5788% | 2,106 |
| Net loans and leases to deposits | 85.0255% | 2,518 |
| Net loans and leases to core deposits | 104.5148% | 1,441 |
| Total domestic deposits to total assets | 85.3613% | 3,425 |
| Equity capital to assets | 9.9425% | 4,231 |
| Core capital (leverage) ratio | 8.7934% | 5,026 |
| Tier 1 risk-based capital ratio | 10.0575% | 7,032 |
| Total risk-based capital ratio | 12.2168% | 6,392 |
| Memoranda: | ||
| Average total assets | $12,350,636,250 | 88 |
| Average earning assets | $11,505,558,250 | 88 |
| Average equity | $1,212,637,750 | 103 |
| Average total loans | $9,218,953,500 | 80 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 6,737 |
| Cost of funding earning assets | 0.8501% | 6,760 |
| Net interest margin | 3.6383% | 4,638 |
| Noninterest income to average assets | 0.4928% | 4,173 |
| Noninterest expense to average assets | 2.0646% | 6,987 |
| Loan and lease loss provision to assets | 1.8968% | 656 |
| Net operating income to assets | -0.0343% | 6,123 |
| Return on assets (ROA) | -0.0383% | 6,222 |
| Pretax return on assets | -0.0851% | 6,232 |
| Return on Equity (ROE) | -0.3915% | 6,237 |
| Retained earnings to average equity (ytd only) | -0.3915% | 5,817 |
| Net charge-offs to loans | 2.3181% | 766 |
| Credit loss provision to net charge-offs | 109.5292% | 3,722 |
| Earnings coverage of net charge-offs (x) | 1.0490% | 4,746 |
| Efficiency ratio | 52.8480% | 6,994 |
| Assets per employee ($millions) | 12.1941% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5874% | 1,207 |
| Loan loss allowance to noncurrent loans | 48.5950% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 4.5459% | 1,453 |
| Noncurrent loans to loans | 5.3244% | 1,263 |
| Net loans and leases to total assets | 71.2015% | 2,616 |
| Net loans and leases to deposits | 83.0857% | 3,056 |
| Net loans and leases to core deposits | 101.3675% | 1,882 |
| Total domestic deposits to total assets | 85.6965% | 3,264 |
| Equity capital to assets | 9.8004% | 4,264 |
| Core capital (leverage) ratio | 8.4911% | 5,424 |
| Tier 1 risk-based capital ratio | 10.2872% | 6,846 |
| Total risk-based capital ratio | 12.7147% | 5,779 |
| Memoranda: | ||
| Average total assets | $12,326,528,670 | 87 |
| Average earning assets | $11,479,878,000 | 85 |
| Average equity | $1,205,134,330 | 99 |
| Average total loans | $9,208,782,330 | 79 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 6,844 |
| Cost of funding earning assets | 0.8945% | 6,791 |
| Net interest margin | 3.5792% | 4,816 |
| Noninterest income to average assets | 0.4321% | 4,645 |
| Noninterest expense to average assets | 2.0302% | 7,105 |
| Loan and lease loss provision to assets | 2.3233% | 462 |
| Net operating income to assets | -0.3901% | 6,752 |
| Return on assets (ROA) | -0.3917% | 6,793 |
| Pretax return on assets | -0.6000% | 6,846 |
| Return on Equity (ROE) | -4.0116% | 6,821 |
| Retained earnings to average equity (ytd only) | -4.0116% | 6,497 |
| Net charge-offs to loans | 2.4560% | 671 |
| Credit loss provision to net charge-offs | 125.2517% | 2,802 |
| Earnings coverage of net charge-offs (x) | 0.9298% | 4,215 |
| Efficiency ratio | 53.7087% | 6,999 |
| Assets per employee ($millions) | 12.4288% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6092% | 1,167 |
| Loan loss allowance to noncurrent loans | 62.9991% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 3.6126% | 1,943 |
| Noncurrent loans to loans | 4.1416% | 1,863 |
| Net loans and leases to total assets | 70.7034% | 2,759 |
| Net loans and leases to deposits | 83.0568% | 3,095 |
| Net loans and leases to core deposits | 108.9073% | 1,360 |
| Total domestic deposits to total assets | 85.1266% | 3,595 |
| Equity capital to assets | 9.4538% | 4,606 |
| Core capital (leverage) ratio | 8.6231% | 5,169 |
| Tier 1 risk-based capital ratio | 10.2010% | 6,886 |
| Total risk-based capital ratio | 12.6303% | 5,754 |
| Memoranda: | ||
| Average total assets | $12,270,787,500 | 85 |
| Average earning assets | $11,391,912,000 | 84 |
| Average equity | $1,198,215,000 | 98 |
| Average total loans | $9,267,535,500 | 78 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4993% | 7,385 |
| Cost of funding earning assets | 1.2412% | 6,503 |
| Net interest margin | 3.2581% | 5,897 |
| Noninterest income to average assets | 0.5345% | 4,144 |
| Noninterest expense to average assets | 1.8716% | 7,541 |
| Loan and lease loss provision to assets | 1.8028% | 1,252 |
| Net operating income to assets | -0.0352% | 5,559 |
| Return on assets (ROA) | 0.0293% | 5,452 |
| Pretax return on assets | 0.0218% | 5,384 |
| Return on Equity (ROE) | 0.3057% | 5,438 |
| Retained earnings to average equity (ytd only) | 0.3057% | 4,738 |
| Net charge-offs to loans | 1.0266% | 2,359 |
| Credit loss provision to net charge-offs | 222.0203% | 1,699 |
| Earnings coverage of net charge-offs (x) | 2.1677% | 4,096 |
| Efficiency ratio | 51.1016% | 7,463 |
| Assets per employee ($millions) | 11.8423% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3842% | 1,368 |
| Loan loss allowance to noncurrent loans | 56.5900% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 3.7857% | 1,760 |
| Noncurrent loans to loans | 4.2131% | 1,730 |
| Net loans and leases to total assets | 76.7597% | 1,638 |
| Net loans and leases to deposits | 90.9445% | 2,057 |
| Net loans and leases to core deposits | 128.1872% | 1,384 |
| Total domestic deposits to total assets | 84.4028% | 3,840 |
| Equity capital to assets | 10.0951% | 3,625 |
| Core capital (leverage) ratio | 9.0527% | 4,338 |
| Tier 1 risk-based capital ratio | 9.9404% | 6,927 |
| Total risk-based capital ratio | 12.3243% | 5,812 |
| Memoranda: | ||
| Average total assets | $11,064,923,400 | 97 |
| Average earning assets | $10,518,655,500 | 92 |
| Average equity | $1,060,645,400 | 107 |
| Average total loans | $8,752,305,400 | 82 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 7,622 |
| Cost of funding earning assets | 1.3145% | 6,509 |
| Net interest margin | 3.0753% | 6,385 |
| Noninterest income to average assets | 0.6031% | 3,673 |
| Noninterest expense to average assets | 1.8511% | 7,607 |
| Loan and lease loss provision to assets | 1.5899% | 1,189 |
| Net operating income to assets | 0.0745% | 5,543 |
| Return on assets (ROA) | 0.1379% | 5,422 |
| Pretax return on assets | 0.1939% | 5,315 |
| Return on Equity (ROE) | 1.4598% | 5,347 |
| Retained earnings to average equity (ytd only) | 1.4598% | 4,496 |
| Net charge-offs to loans | 0.7631% | 2,450 |
| Credit loss provision to net charge-offs | 262.9848% | 1,618 |
| Earnings coverage of net charge-offs (x) | 2.8014% | 3,817 |
| Efficiency ratio | 51.8054% | 7,428 |
| Assets per employee ($millions) | 11.7597% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0285% | 1,731 |
| Loan loss allowance to noncurrent loans | 53.2088% | 4,782 |
| Noncurrent assets plus other real estate owned to assets | 3.4482% | 1,941 |
| Noncurrent loans to loans | 3.8124% | 1,951 |
| Net loans and leases to total assets | 77.7194% | 1,633 |
| Net loans and leases to deposits | 96.7697% | 1,480 |
| Net loans and leases to core deposits | 135.0267% | 1,150 |
| Total domestic deposits to total assets | 80.3138% | 5,326 |
| Equity capital to assets | 9.3249% | 4,994 |
| Core capital (leverage) ratio | 8.3328% | 5,778 |
| Tier 1 risk-based capital ratio | 9.2668% | 7,506 |
| Total risk-based capital ratio | 11.6835% | 6,489 |
| Memoranda: | ||
| Average total assets | $10,855,776,250 | 105 |
| Average earning assets | $10,383,530,000 | 99 |
| Average equity | $1,025,439,250 | 115 |
| Average total loans | $8,600,708,750 | 86 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 7,718 |
| Cost of funding earning assets | 1.4132% | 6,435 |
| Net interest margin | 2.9747% | 6,624 |
| Noninterest income to average assets | 0.6557% | 3,301 |
| Noninterest expense to average assets | 1.9645% | 7,527 |
| Loan and lease loss provision to assets | 0.7503% | 2,187 |
| Net operating income to assets | 0.4765% | 4,189 |
| Return on assets (ROA) | 0.5698% | 3,918 |
| Pretax return on assets | 0.9078% | 3,309 |
| Return on Equity (ROE) | 6.0032% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.0032% | 2,021 |
| Net charge-offs to loans | 0.2863% | 3,760 |
| Credit loss provision to net charge-offs | 330.9656% | 1,408 |
| Earnings coverage of net charge-offs (x) | 6.6657% | 2,577 |
| Efficiency ratio | 56.1644% | 7,101 |
| Assets per employee ($millions) | 12.1744% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6073% | 2,704 |
| Loan loss allowance to noncurrent loans | 75.6242% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.9680% | 3,235 |
| Noncurrent loans to loans | 2.1254% | 3,345 |
| Net loans and leases to total assets | 78.5872% | 1,619 |
| Net loans and leases to deposits | 102.2644% | 1,056 |
| Net loans and leases to core deposits | 152.6677% | 588 |
| Total domestic deposits to total assets | 76.8471% | 6,365 |
| Equity capital to assets | 9.8597% | 4,136 |
| Core capital (leverage) ratio | 9.2973% | 4,167 |
| Tier 1 risk-based capital ratio | 9.5823% | 7,324 |
| Total risk-based capital ratio | 12.0546% | 6,015 |
| Memoranda: | ||
| Average total assets | $10,507,431,670 | 111 |
| Average earning assets | $9,960,427,500 | 105 |
| Average equity | $997,338,670 | 120 |
| Average total loans | $8,320,694,670 | 98 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 7,779 |
| Cost of funding earning assets | 1.5011% | 6,395 |
| Net interest margin | 2.9239% | 6,686 |
| Noninterest income to average assets | 0.8814% | 1,927 |
| Noninterest expense to average assets | 1.9336% | 7,486 |
| Loan and lease loss provision to assets | 0.6362% | 1,982 |
| Net operating income to assets | 0.7057% | 3,524 |
| Return on assets (ROA) | 0.7258% | 3,636 |
| Pretax return on assets | 1.1428% | 2,820 |
| Return on Equity (ROE) | 8.1551% | 3,070 |
| Retained earnings to average equity (ytd only) | 8.1551% | 1,750 |
| Net charge-offs to loans | 0.1240% | 3,976 |
| Credit loss provision to net charge-offs | 637.3141% | 903 |
| Earnings coverage of net charge-offs (x) | 17.4912% | 1,507 |
| Efficiency ratio | 52.3738% | 7,376 |
| Assets per employee ($millions) | 15.2988% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 3,388 |
| Loan loss allowance to noncurrent loans | 95.2915% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.3871% | 3,866 |
| Noncurrent loans to loans | 1.4904% | 4,057 |
| Net loans and leases to total assets | 80.1965% | 1,343 |
| Net loans and leases to deposits | 105.7837% | 883 |
| Net loans and leases to core deposits | 127.5422% | 1,818 |
| Total domestic deposits to total assets | 75.8118% | 6,549 |
| Equity capital to assets | 9.1518% | 5,149 |
| Core capital (leverage) ratio | 8.5522% | 5,428 |
| Tier 1 risk-based capital ratio | 8.7272% | 7,901 |
| Total risk-based capital ratio | 11.4143% | 6,656 |
| Memoranda: | ||
| Average total assets | $8,623,000,000 | 131 |
| Average earning assets | $8,252,502,000 | 123 |
| Average equity | $767,426,000 | 138 |
| Average total loans | $6,943,041,000 | 108 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 7,064 |
| Cost of funding earning assets | 2.6410% | 3,479 |
| Net interest margin | 2.9592% | 7,009 |
| Noninterest income to average assets | 0.4859% | 4,737 |
| Noninterest expense to average assets | 2.1470% | 7,124 |
| Loan and lease loss provision to assets | 2.1946% | 525 |
| Net operating income to assets | -0.5355% | 6,948 |
| Return on assets (ROA) | -0.5306% | 6,821 |
| Pretax return on assets | -1.0222% | 7,009 |
| Return on Equity (ROE) | -5.4729% | 6,912 |
| Retained earnings to average equity (ytd only) | -5.4729% | 6,580 |
| Net charge-offs to loans | 1.5737% | 729 |
| Credit loss provision to net charge-offs | 170.2157% | 3,009 |
| Earnings coverage of net charge-offs (x) | 0.9033% | 5,683 |
| Efficiency ratio | 64.6493% | 5,406 |
| Assets per employee ($millions) | 14.9016% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 3,539 |
| Loan loss allowance to noncurrent loans | 102.1885% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.2039% | 3,837 |
| Noncurrent loans to loans | 1.3098% | 3,892 |
| Net loans and leases to total assets | 78.5831% | 1,983 |
| Net loans and leases to deposits | 95.9648% | 2,458 |
| Net loans and leases to core deposits | 112.1307% | 3,544 |
| Total domestic deposits to total assets | 81.8874% | 4,242 |
| Equity capital to assets | 8.6373% | 5,884 |
| Core capital (leverage) ratio | 8.3193% | 5,916 |
| Tier 1 risk-based capital ratio | 8.3238% | 8,028 |
| Total risk-based capital ratio | 11.0145% | 6,894 |
| Memoranda: | ||
| Average total assets | $6,135,269,800 | 159 |
| Average earning assets | $5,858,633,600 | 150 |
| Average equity | $594,820,800 | 169 |
| Average total loans | $5,026,569,800 | 133 |