Home > Citizens Bank > Performance and Condition Ratios
Citizens Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1999% | 1,661 |
| Cost of funding earning assets | 1.9753% | 949 |
| Net interest margin | 3.2246% | 2,813 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.3654% | 2,676 |
| Loan and lease loss provision to assets | 0.3100% | 350 |
| Net operating income to assets | 0.7555% | 3,030 |
| Return on assets (ROA) | 0.7656% | 2,968 |
| Pretax return on assets | 0.9660% | 2,763 |
| Return on Equity (ROE) | 7.4000% | 3,187 |
| Retained earnings to average equity (ytd only) | -5.0285% | 4,390 |
| Net charge-offs to loans | 0.3979% | 262 |
| Credit loss provision to net charge-offs | 118.9152% | 1,685 |
| Earnings coverage of net charge-offs (x) | 4.6274% | 2,576 |
| Efficiency ratio | 64.7888% | 2,509 |
| Assets per employee ($millions) | 12.8820% | 334 |
| Cash dividends to net income (ytd only)* | 167.9637% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,284 |
| Loan loss allowance to noncurrent loans | 106.4301% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8942% | 559 |
| Noncurrent loans to loans | 1.3410% | 519 |
| Net loans and leases to total assets | 65.3400% | 2,331 |
| Net loans and leases to deposits | 80.1274% | 2,095 |
| Net loans and leases to core deposits | 87.2623% | 2,229 |
| Total domestic deposits to total assets | 81.5200% | 3,222 |
| Equity capital to assets | 10.5022% | 1,719 |
| Core capital (leverage) ratio | 8.8645% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0472% | 2,229 |
| Memoranda: | ||
| Average total assets | $223,563,175,000 | 14 |
| Average earning assets | $196,212,293,000 | 16 |
| Average equity | $23,134,504,400 | 13 |
| Average total loans | $153,056,232,200 | 11 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1017% | 1,633 |
| Cost of funding earning assets | 1.8363% | 950 |
| Net interest margin | 3.2653% | 2,764 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.2148% | 3,040 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 0.8883% | 2,728 |
| Return on assets (ROA) | 0.8974% | 2,674 |
| Pretax return on assets | 1.1539% | 2,407 |
| Return on Equity (ROE) | 8.7000% | 3,009 |
| Retained earnings to average equity (ytd only) | -6.1608% | 4,444 |
| Net charge-offs to loans | 0.3785% | 227 |
| Credit loss provision to net charge-offs | 122.1942% | 1,471 |
| Earnings coverage of net charge-offs (x) | 5.5515% | 2,346 |
| Efficiency ratio | 59.9915% | 2,962 |
| Assets per employee ($millions) | 12.6089% | 326 |
| Cash dividends to net income (ytd only)* | 170.7776% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 1,532 |
| Loan loss allowance to noncurrent loans | 115.5275% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 691 |
| Noncurrent loans to loans | 1.1935% | 657 |
| Net loans and leases to total assets | 66.1400% | 2,230 |
| Net loans and leases to deposits | 81.9529% | 1,902 |
| Net loans and leases to core deposits | 88.2566% | 2,036 |
| Total domestic deposits to total assets | 80.6800% | 3,433 |
| Equity capital to assets | 9.7347% | 1,972 |
| Core capital (leverage) ratio | 9.0551% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8138% | 2,338 |
| Memoranda: | ||
| Average total assets | $224,016,407,750 | 15 |
| Average earning assets | $196,759,069,750 | 16 |
| Average equity | $23,095,975,750 | 14 |
| Average total loans | $154,571,859,000 | 11 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 1,532 |
| Cost of funding earning assets | 1.6888% | 894 |
| Net interest margin | 3.3325% | 2,680 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.2195% | 3,018 |
| Loan and lease loss provision to assets | 0.3100% | 297 |
| Net operating income to assets | 0.9163% | 2,702 |
| Return on assets (ROA) | 0.9259% | 2,653 |
| Pretax return on assets | 1.1947% | 2,373 |
| Return on Equity (ROE) | 8.8200% | 3,030 |
| Retained earnings to average equity (ytd only) | -6.7198% | 4,466 |
| Net charge-offs to loans | 0.3665% | 225 |
| Credit loss provision to net charge-offs | 121.4879% | 1,326 |
| Earnings coverage of net charge-offs (x) | 5.8394% | 2,150 |
| Efficiency ratio | 59.3685% | 3,036 |
| Assets per employee ($millions) | 12.3478% | 345 |
| Cash dividends to net income (ytd only)* | 176.2282% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 1,770 |
| Loan loss allowance to noncurrent loans | 119.1404% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 657 |
| Noncurrent loans to loans | 1.1218% | 631 |
| Net loans and leases to total assets | 67.7400% | 1,985 |
| Net loans and leases to deposits | 83.4803% | 1,721 |
| Net loans and leases to core deposits | 89.3248% | 1,844 |
| Total domestic deposits to total assets | 81.1300% | 3,409 |
| Equity capital to assets | 10.2609% | 1,707 |
| Core capital (leverage) ratio | 9.1222% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7798% | 2,377 |
| Memoranda: | ||
| Average total assets | $223,703,348,000 | 15 |
| Average earning assets | $196,526,719,000 | 17 |
| Average equity | $23,495,043,000 | 14 |
| Average total loans | $155,807,482,333 | 11 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 1,463 |
| Cost of funding earning assets | 1.4960% | 854 |
| Net interest margin | 3.3764% | 2,697 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.1952% | 3,112 |
| Loan and lease loss provision to assets | 0.3000% | 286 |
| Net operating income to assets | 0.9529% | 2,680 |
| Return on assets (ROA) | 0.9602% | 2,615 |
| Pretax return on assets | 1.2451% | 2,315 |
| Return on Equity (ROE) | 9.0400% | 3,038 |
| Retained earnings to average equity (ytd only) | -5.2384% | 4,337 |
| Net charge-offs to loans | 0.3384% | 238 |
| Credit loss provision to net charge-offs | 125.6822% | 1,016 |
| Earnings coverage of net charge-offs (x) | 6.4694% | 1,781 |
| Efficiency ratio | 58.3428% | 3,156 |
| Assets per employee ($millions) | 12.2202% | 374 |
| Cash dividends to net income (ytd only)* | 157.9547% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 2,098 |
| Loan loss allowance to noncurrent loans | 123.8595% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 659 |
| Noncurrent loans to loans | 1.0392% | 701 |
| Net loans and leases to total assets | 69.6900% | 1,658 |
| Net loans and leases to deposits | 88.4831% | 1,171 |
| Net loans and leases to core deposits | 93.7057% | 1,410 |
| Total domestic deposits to total assets | 78.7000% | 3,923 |
| Equity capital to assets | 10.7926% | 1,419 |
| Core capital (leverage) ratio | 9.3079% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7274% | 2,486 |
| Memoranda: | ||
| Average total assets | $224,178,312,000 | 14 |
| Average earning assets | $197,143,165,000 | 18 |
| Average equity | $23,814,285,000 | 15 |
| Average total loans | $157,237,919,500 | 12 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 2,256 |
| Cost of funding earning assets | 0.5170% | 1,286 |
| Net interest margin | 3.2902% | 2,591 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.2043% | 3,018 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 1.0245% | 2,481 |
| Return on assets (ROA) | 1.0279% | 2,407 |
| Pretax return on assets | 1.3145% | 2,038 |
| Return on Equity (ROE) | 9.4200% | 2,991 |
| Retained earnings to average equity (ytd only) | 7.4715% | 2,040 |
| Net charge-offs to loans | 0.1825% | 452 |
| Credit loss provision to net charge-offs | 145.7321% | 1,320 |
| Earnings coverage of net charge-offs (x) | 12.0082% | 2,127 |
| Efficiency ratio | 58.5114% | 3,263 |
| Assets per employee ($millions) | 12.2359% | 364 |
| Cash dividends to net income (ytd only)* | 20.7015% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,108 |
| Loan loss allowance to noncurrent loans | 130.5082% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 723 |
| Noncurrent loans to loans | 0.9629% | 772 |
| Net loans and leases to total assets | 68.8100% | 1,758 |
| Net loans and leases to deposits | 85.1343% | 1,381 |
| Net loans and leases to core deposits | 88.9968% | 1,555 |
| Total domestic deposits to total assets | 80.7700% | 3,786 |
| Equity capital to assets | 10.4566% | 1,467 |
| Core capital (leverage) ratio | 9.3872% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7365% | 2,476 |
| Memoranda: | ||
| Average total assets | $211,470,335,800 | 15 |
| Average earning assets | $185,697,874,200 | 18 |
| Average equity | $23,071,239,800 | 13 |
| Average total loans | $148,059,889,200 | 12 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5186% | 2,556 |
| Cost of funding earning assets | 0.3104% | 2,058 |
| Net interest margin | 3.2082% | 2,598 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.2368% | 2,828 |
| Loan and lease loss provision to assets | 0.2200% | 387 |
| Net operating income to assets | 0.9591% | 2,627 |
| Return on assets (ROA) | 0.9616% | 2,594 |
| Pretax return on assets | 1.2376% | 2,235 |
| Return on Equity (ROE) | 8.7200% | 3,107 |
| Retained earnings to average equity (ytd only) | 8.7153% | 1,753 |
| Net charge-offs to loans | 0.1669% | 395 |
| Credit loss provision to net charge-offs | 166.1136% | 1,076 |
| Earnings coverage of net charge-offs (x) | 12.4280% | 1,916 |
| Efficiency ratio | 60.1727% | 3,093 |
| Assets per employee ($millions) | 11.9125% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,252 |
| Loan loss allowance to noncurrent loans | 134.7621% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 797 |
| Noncurrent loans to loans | 0.9287% | 841 |
| Net loans and leases to total assets | 69.5800% | 1,516 |
| Net loans and leases to deposits | 86.3599% | 1,146 |
| Net loans and leases to core deposits | 89.4738% | 1,331 |
| Total domestic deposits to total assets | 80.5200% | 4,052 |
| Equity capital to assets | 10.3345% | 1,449 |
| Core capital (leverage) ratio | 9.3221% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4717% | 2,662 |
| Memoranda: | ||
| Average total assets | $207,737,522,000 | 16 |
| Average earning assets | $182,356,515,250 | 19 |
| Average equity | $22,920,579,250 | 13 |
| Average total loans | $145,631,344,500 | 12 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2027% | 3,036 |
| Cost of funding earning assets | 0.1633% | 3,395 |
| Net interest margin | 3.0394% | 2,762 |
| Noninterest income to average assets | 0.8951% | 857 |
| Noninterest expense to average assets | 2.2810% | 2,605 |
| Loan and lease loss provision to assets | 0.2167% | 366 |
| Net operating income to assets | 0.8239% | 2,869 |
| Return on assets (ROA) | 0.8278% | 2,835 |
| Pretax return on assets | 1.0706% | 2,511 |
| Return on Equity (ROE) | 7.3305% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.3305% | 1,871 |
| Net charge-offs to loans | 0.1530% | 420 |
| Credit loss provision to net charge-offs | 196.5761% | 978 |
| Earnings coverage of net charge-offs (x) | 11.9753% | 1,719 |
| Efficiency ratio | 63.6133% | 2,822 |
| Assets per employee ($millions) | 11.8343% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,528 |
| Loan loss allowance to noncurrent loans | 118.5607% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 718 |
| Noncurrent loans to loans | 1.0374% | 804 |
| Net loans and leases to total assets | 69.6105% | 1,332 |
| Net loans and leases to deposits | 86.7819% | 924 |
| Net loans and leases to core deposits | 89.7799% | 1,133 |
| Total domestic deposits to total assets | 80.1506% | 4,214 |
| Equity capital to assets | 10.6573% | 1,369 |
| Core capital (leverage) ratio | 9.2437% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0953% | 2,789 |
| Memoranda: | ||
| Average total assets | $202,156,747,000 | 17 |
| Average earning assets | $177,471,623,667 | 19 |
| Average equity | $22,827,850,333 | 13 |
| Average total loans | $141,447,969,667 | 12 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9023% | 3,529 |
| Cost of funding earning assets | 0.1090% | 4,034 |
| Net interest margin | 2.7932% | 3,166 |
| Noninterest income to average assets | 0.9576% | 743 |
| Noninterest expense to average assets | 2.2088% | 2,816 |
| Loan and lease loss provision to assets | 0.0063% | 2,196 |
| Net operating income to assets | 0.9408% | 2,107 |
| Return on assets (ROA) | 0.9473% | 2,074 |
| Pretax return on assets | 1.2106% | 1,768 |
| Return on Equity (ROE) | 8.1172% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.1172% | 1,542 |
| Net charge-offs to loans | 0.1800% | 335 |
| Credit loss provision to net charge-offs | 35.0379% | 1,244 |
| Earnings coverage of net charge-offs (x) | 9.6367% | 1,479 |
| Efficiency ratio | 64.3858% | 2,984 |
| Assets per employee ($millions) | 10.9784% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,404 |
| Loan loss allowance to noncurrent loans | 104.5733% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8636% | 620 |
| Noncurrent loans to loans | 1.2359% | 713 |
| Net loans and leases to total assets | 68.4527% | 1,170 |
| Net loans and leases to deposits | 81.4255% | 1,047 |
| Net loans and leases to core deposits | 82.7481% | 1,312 |
| Total domestic deposits to total assets | 83.9677% | 3,775 |
| Equity capital to assets | 11.2574% | 1,213 |
| Core capital (leverage) ratio | 9.4386% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2988% | 2,827 |
| Memoranda: | ||
| Average total assets | $189,969,353,000 | 18 |
| Average earning assets | $167,292,670,000 | 20 |
| Average equity | $22,170,671,000 | 14 |
| Average total loans | $132,345,208,000 | 12 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9410% | 3,978 |
| Cost of funding earning assets | 0.1537% | 3,931 |
| Net interest margin | 2.7873% | 3,693 |
| Noninterest income to average assets | 1.0221% | 957 |
| Noninterest expense to average assets | 2.1331% | 3,294 |
| Loan and lease loss provision to assets | -0.2209% | 4,727 |
| Net operating income to assets | 1.2354% | 1,789 |
| Return on assets (ROA) | 1.2399% | 1,835 |
| Pretax return on assets | 1.5877% | 1,458 |
| Return on Equity (ROE) | 10.2892% | 2,417 |
| Retained earnings to average equity (ytd only) | 5.2963% | 2,677 |
| Net charge-offs to loans | 0.2535% | 359 |
| Credit loss provision to net charge-offs | -110.9037% | 3,382 |
| Earnings coverage of net charge-offs (x) | 7.8059% | 2,327 |
| Efficiency ratio | 60.9086% | 3,009 |
| Assets per employee ($millions) | 11.0008% | 507 |
| Cash dividends to net income (ytd only)* | 48.5255% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,202 |
| Loan loss allowance to noncurrent loans | 134.2856% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7069% | 891 |
| Noncurrent loans to loans | 0.9948% | 997 |
| Net loans and leases to total assets | 69.0557% | 1,143 |
| Net loans and leases to deposits | 82.6838% | 1,003 |
| Net loans and leases to core deposits | 84.4195% | 1,300 |
| Total domestic deposits to total assets | 83.3889% | 3,724 |
| Equity capital to assets | 12.0923% | 1,216 |
| Core capital (leverage) ratio | 9.3999% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3623% | 2,810 |
| Memoranda: | ||
| Average total assets | $186,151,471,000 | 16 |
| Average earning assets | $165,106,497,000 | 17 |
| Average equity | $22,431,986,600 | 15 |
| Average total loans | $128,036,532,000 | 10 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9558% | 4,073 |
| Cost of funding earning assets | 0.1605% | 4,009 |
| Net interest margin | 2.7952% | 3,792 |
| Noninterest income to average assets | 1.0163% | 1,044 |
| Noninterest expense to average assets | 2.1295% | 3,280 |
| Loan and lease loss provision to assets | -0.2774% | 4,819 |
| Net operating income to assets | 1.2824% | 1,878 |
| Return on assets (ROA) | 1.2876% | 1,916 |
| Pretax return on assets | 1.6514% | 1,547 |
| Return on Equity (ROE) | 10.6945% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.5055% | 3,041 |
| Net charge-offs to loans | 0.2931% | 275 |
| Credit loss provision to net charge-offs | -110.2852% | 3,243 |
| Earnings coverage of net charge-offs (x) | 6.8128% | 2,163 |
| Efficiency ratio | 60.7757% | 2,865 |
| Assets per employee ($millions) | 10.8914% | 488 |
| Cash dividends to net income (ytd only)* | 48.5201% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 1,763 |
| Loan loss allowance to noncurrent loans | 158.8976% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 1,193 |
| Noncurrent loans to loans | 0.9222% | 1,245 |
| Net loans and leases to total assets | 66.6770% | 1,465 |
| Net loans and leases to deposits | 80.2996% | 1,261 |
| Net loans and leases to core deposits | 81.9804% | 1,575 |
| Total domestic deposits to total assets | 82.7492% | 3,770 |
| Equity capital to assets | 12.0982% | 1,359 |
| Core capital (leverage) ratio | 9.3272% | 3,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8145% | 2,768 |
| Memoranda: | ||
| Average total assets | $185,671,929,500 | 16 |
| Average earning assets | $164,775,042,250 | 17 |
| Average equity | $22,354,516,500 | 15 |
| Average total loans | $127,137,882,250 | 10 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9501% | 4,138 |
| Cost of funding earning assets | 0.1711% | 4,035 |
| Net interest margin | 2.7790% | 3,833 |
| Noninterest income to average assets | 1.0151% | 1,045 |
| Noninterest expense to average assets | 2.1345% | 3,286 |
| Loan and lease loss provision to assets | -0.3815% | 4,872 |
| Net operating income to assets | 1.3541% | 1,695 |
| Return on assets (ROA) | 1.3594% | 1,759 |
| Pretax return on assets | 1.7404% | 1,386 |
| Return on Equity (ROE) | 11.3095% | 2,301 |
| Retained earnings to average equity (ytd only) | 5.9188% | 2,835 |
| Net charge-offs to loans | 0.3711% | 229 |
| Credit loss provision to net charge-offs | -109.9105% | 3,075 |
| Earnings coverage of net charge-offs (x) | 5.3002% | 2,002 |
| Efficiency ratio | 61.0961% | 2,858 |
| Assets per employee ($millions) | 10.6834% | 502 |
| Cash dividends to net income (ytd only)* | 47.6652% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5423% | 1,445 |
| Loan loss allowance to noncurrent loans | 176.3380% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 1,373 |
| Noncurrent loans to loans | 0.8746% | 1,403 |
| Net loans and leases to total assets | 67.1761% | 1,557 |
| Net loans and leases to deposits | 80.8333% | 1,348 |
| Net loans and leases to core deposits | 82.5546% | 1,676 |
| Total domestic deposits to total assets | 82.9083% | 3,726 |
| Equity capital to assets | 12.1589% | 1,295 |
| Core capital (leverage) ratio | 9.2721% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9749% | 2,731 |
| Memoranda: | ||
| Average total assets | $185,194,843,000 | 16 |
| Average earning assets | $164,701,450,667 | 17 |
| Average equity | $22,260,630,333 | 15 |
| Average total loans | $127,313,850,333 | 10 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9467% | 4,191 |
| Cost of funding earning assets | 0.1852% | 4,042 |
| Net interest margin | 2.7616% | 3,845 |
| Noninterest income to average assets | 1.0710% | 1,023 |
| Noninterest expense to average assets | 2.1649% | 3,219 |
| Loan and lease loss provision to assets | -0.3029% | 4,859 |
| Net operating income to assets | 1.3083% | 1,802 |
| Return on assets (ROA) | 1.3134% | 1,867 |
| Pretax return on assets | 1.6791% | 1,540 |
| Return on Equity (ROE) | 10.9899% | 2,372 |
| Retained earnings to average equity (ytd only) | 5.5703% | 3,040 |
| Net charge-offs to loans | 0.4939% | 167 |
| Credit loss provision to net charge-offs | -57.7756% | 2,773 |
| Earnings coverage of net charge-offs (x) | 4.0193% | 1,744 |
| Efficiency ratio | 61.1258% | 2,886 |
| Assets per employee ($millions) | 10.8323% | 467 |
| Cash dividends to net income (ytd only)* | 49.3146% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 1,006 |
| Loan loss allowance to noncurrent loans | 102.2357% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.1544% | 655 |
| Noncurrent loans to loans | 1.6816% | 715 |
| Net loans and leases to total assets | 67.0037% | 1,661 |
| Net loans and leases to deposits | 81.2261% | 1,405 |
| Net loans and leases to core deposits | 85.7647% | 1,542 |
| Total domestic deposits to total assets | 82.3116% | 3,831 |
| Equity capital to assets | 11.8172% | 1,380 |
| Core capital (leverage) ratio | 9.2192% | 3,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9957% | 2,667 |
| Memoranda: | ||
| Average total assets | $185,274,178,000 | 16 |
| Average earning assets | $165,290,196,500 | 17 |
| Average equity | $22,141,782,000 | 14 |
| Average total loans | $127,847,141,000 | 10 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3974% | 4,196 |
| Cost of funding earning assets | 0.4383% | 3,357 |
| Net interest margin | 2.9592% | 3,988 |
| Noninterest income to average assets | 1.2288% | 741 |
| Noninterest expense to average assets | 2.3235% | 3,344 |
| Loan and lease loss provision to assets | 0.8088% | 151 |
| Net operating income to assets | 0.6025% | 3,747 |
| Return on assets (ROA) | 0.6046% | 3,859 |
| Pretax return on assets | 0.7394% | 3,790 |
| Return on Equity (ROE) | 4.8536% | 3,945 |
| Retained earnings to average equity (ytd only) | 0.7705% | 4,300 |
| Net charge-offs to loans | 0.5405% | 285 |
| Credit loss provision to net charge-offs | 206.4909% | 2,131 |
| Earnings coverage of net charge-offs (x) | 3.9462% | 3,043 |
| Efficiency ratio | 59.9212% | 3,472 |
| Assets per employee ($millions) | 10.5039% | 451 |
| Cash dividends to net income (ytd only)* | 84.1254% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 710 |
| Loan loss allowance to noncurrent loans | 109.8012% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.2223% | 699 |
| Noncurrent loans to loans | 1.7371% | 725 |
| Net loans and leases to total assets | 68.5178% | 1,761 |
| Net loans and leases to deposits | 83.6098% | 1,496 |
| Net loans and leases to core deposits | 88.1723% | 1,671 |
| Total domestic deposits to total assets | 81.7466% | 3,721 |
| Equity capital to assets | 12.0872% | 1,524 |
| Core capital (leverage) ratio | 9.1632% | 3,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9502% | 2,644 |
| Memoranda: | ||
| Average total assets | $176,949,067,200 | 16 |
| Average earning assets | $157,881,033,400 | 17 |
| Average equity | $22,041,925,400 | 14 |
| Average total loans | $128,213,483,400 | 10 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5066% | 4,202 |
| Cost of funding earning assets | 0.5062% | 3,182 |
| Net interest margin | 3.0003% | 3,978 |
| Noninterest income to average assets | 1.2480% | 697 |
| Noninterest expense to average assets | 2.3436% | 3,303 |
| Loan and lease loss provision to assets | 1.0191% | 130 |
| Net operating income to assets | 0.4644% | 4,130 |
| Return on assets (ROA) | 0.4672% | 4,197 |
| Pretax return on assets | 0.5645% | 4,166 |
| Return on Equity (ROE) | 3.7216% | 4,237 |
| Retained earnings to average equity (ytd only) | 0.0872% | 4,462 |
| Net charge-offs to loans | 0.5232% | 286 |
| Credit loss provision to net charge-offs | 266.3029% | 1,872 |
| Earnings coverage of net charge-offs (x) | 4.1292% | 2,851 |
| Efficiency ratio | 59.5914% | 3,448 |
| Assets per employee ($millions) | 10.0670% | 499 |
| Cash dividends to net income (ytd only)* | 97.6575% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9764% | 514 |
| Loan loss allowance to noncurrent loans | 112.4221% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 757 |
| Noncurrent loans to loans | 1.7580% | 762 |
| Net loans and leases to total assets | 70.3678% | 1,895 |
| Net loans and leases to deposits | 86.4721% | 1,646 |
| Net loans and leases to core deposits | 91.8354% | 1,810 |
| Total domestic deposits to total assets | 80.9622% | 3,672 |
| Equity capital to assets | 12.3204% | 1,499 |
| Core capital (leverage) ratio | 9.2642% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9166% | 2,646 |
| Memoranda: | ||
| Average total assets | $175,344,841,500 | 16 |
| Average earning assets | $156,382,986,500 | 17 |
| Average equity | $22,011,443,000 | 14 |
| Average total loans | $128,246,549,500 | 10 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 4,172 |
| Cost of funding earning assets | 0.6130% | 2,904 |
| Net interest margin | 3.0373% | 4,041 |
| Noninterest income to average assets | 1.1733% | 726 |
| Noninterest expense to average assets | 2.3048% | 3,501 |
| Loan and lease loss provision to assets | 1.1805% | 147 |
| Net operating income to assets | 0.3219% | 4,378 |
| Return on assets (ROA) | 0.3248% | 4,424 |
| Pretax return on assets | 0.3980% | 4,412 |
| Return on Equity (ROE) | 2.5711% | 4,435 |
| Retained earnings to average equity (ytd only) | -0.1573% | 4,337 |
| Net charge-offs to loans | 0.4447% | 357 |
| Credit loss provision to net charge-offs | 360.7060% | 1,491 |
| Earnings coverage of net charge-offs (x) | 4.8124% | 2,570 |
| Efficiency ratio | 59.2593% | 3,525 |
| Assets per employee ($millions) | 9.9004% | 509 |
| Cash dividends to net income (ytd only)* | 106.1196% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 572 |
| Loan loss allowance to noncurrent loans | 140.6934% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 1,220 |
| Noncurrent loans to loans | 1.3254% | 1,167 |
| Net loans and leases to total assets | 71.6227% | 1,782 |
| Net loans and leases to deposits | 87.9256% | 1,566 |
| Net loans and leases to core deposits | 95.0011% | 1,658 |
| Total domestic deposits to total assets | 81.0662% | 3,589 |
| Equity capital to assets | 12.3038% | 1,476 |
| Core capital (leverage) ratio | 9.1045% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7540% | 2,714 |
| Memoranda: | ||
| Average total assets | $174,072,073,333 | 16 |
| Average earning assets | $155,117,240,333 | 18 |
| Average equity | $21,990,710,667 | 14 |
| Average total loans | $128,123,683,000 | 10 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 4,066 |
| Cost of funding earning assets | 0.8003% | 2,395 |
| Net interest margin | 3.0840% | 4,128 |
| Noninterest income to average assets | 1.0956% | 715 |
| Noninterest expense to average assets | 2.3210% | 3,723 |
| Loan and lease loss provision to assets | 1.4107% | 117 |
| Net operating income to assets | 0.0833% | 4,673 |
| Return on assets (ROA) | 0.0833% | 4,666 |
| Pretax return on assets | 0.1085% | 4,654 |
| Return on Equity (ROE) | 0.6507% | 4,673 |
| Retained earnings to average equity (ytd only) | -4.8231% | 4,508 |
| Net charge-offs to loans | 0.4339% | 339 |
| Credit loss provision to net charge-offs | 439.7949% | 950 |
| Earnings coverage of net charge-offs (x) | 4.7361% | 2,118 |
| Efficiency ratio | 60.2910% | 3,705 |
| Assets per employee ($millions) | 9.9618% | 387 |
| Cash dividends to net income (ytd only)* | 841.2080% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 935 |
| Loan loss allowance to noncurrent loans | 206.1033% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 2,164 |
| Noncurrent loans to loans | 0.8052% | 1,996 |
| Net loans and leases to total assets | 72.8478% | 1,797 |
| Net loans and leases to deposits | 95.0200% | 994 |
| Net loans and leases to core deposits | 105.9175% | 1,065 |
| Total domestic deposits to total assets | 76.1571% | 4,471 |
| Equity capital to assets | 12.3829% | 1,800 |
| Core capital (leverage) ratio | 9.5924% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1812% | 3,048 |
| Memoranda: | ||
| Average total assets | $171,187,498,000 | 16 |
| Average earning assets | $152,345,892,500 | 18 |
| Average equity | $21,922,382,000 | 14 |
| Average total loans | $126,558,206,000 | 10 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 3,651 |
| Cost of funding earning assets | 1.0561% | 1,494 |
| Net interest margin | 3.2027% | 4,179 |
| Noninterest income to average assets | 1.0780% | 818 |
| Noninterest expense to average assets | 2.2788% | 3,995 |
| Loan and lease loss provision to assets | 0.2685% | 674 |
| Net operating income to assets | 1.0988% | 2,450 |
| Return on assets (ROA) | 1.1073% | 2,508 |
| Pretax return on assets | 1.3889% | 2,201 |
| Return on Equity (ROE) | 8.4899% | 2,943 |
| Retained earnings to average equity (ytd only) | 3.1947% | 3,423 |
| Net charge-offs to loans | 0.3598% | 555 |
| Credit loss provision to net charge-offs | 102.1785% | 2,424 |
| Earnings coverage of net charge-offs (x) | 6.2674% | 2,989 |
| Efficiency ratio | 57.9089% | 3,980 |
| Assets per employee ($millions) | 9.2707% | 457 |
| Cash dividends to net income (ytd only)* | 62.3701% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 3,356 |
| Loan loss allowance to noncurrent loans | 129.3116% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 2,073 |
| Noncurrent loans to loans | 0.7917% | 1,924 |
| Net loans and leases to total assets | 73.0172% | 1,920 |
| Net loans and leases to deposits | 95.1619% | 1,032 |
| Net loans and leases to core deposits | 105.9844% | 1,109 |
| Total domestic deposits to total assets | 76.4385% | 4,556 |
| Equity capital to assets | 13.2570% | 1,386 |
| Core capital (leverage) ratio | 9.8556% | 3,669 |
| Tier 1 risk-based capital ratio | 10.9505% | 4,875 |
| Total risk-based capital ratio | 12.5830% | 4,598 |
| Memoranda: | ||
| Average total assets | $163,618,839,000 | 17 |
| Average earning assets | $145,470,706,000 | 17 |
| Average equity | $21,340,178,200 | 15 |
| Average total loans | $119,477,685,400 | 11 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 3,617 |
| Cost of funding earning assets | 1.0939% | 1,380 |
| Net interest margin | 3.2211% | 4,251 |
| Noninterest income to average assets | 1.0698% | 800 |
| Noninterest expense to average assets | 2.2566% | 4,059 |
| Loan and lease loss provision to assets | 0.2692% | 581 |
| Net operating income to assets | 1.1058% | 2,551 |
| Return on assets (ROA) | 1.1144% | 2,609 |
| Pretax return on assets | 1.4185% | 2,239 |
| Return on Equity (ROE) | 8.5800% | 3,067 |
| Retained earnings to average equity (ytd only) | 2.7261% | 4,003 |
| Net charge-offs to loans | 0.3459% | 488 |
| Credit loss provision to net charge-offs | 106.8439% | 2,137 |
| Earnings coverage of net charge-offs (x) | 6.6559% | 2,814 |
| Efficiency ratio | 57.2293% | 4,037 |
| Assets per employee ($millions) | 9.1616% | 456 |
| Cash dividends to net income (ytd only)* | 68.2270% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 3,252 |
| Loan loss allowance to noncurrent loans | 128.9033% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6163% | 2,154 |
| Noncurrent loans to loans | 0.8185% | 1,926 |
| Net loans and leases to total assets | 71.9586% | 2,182 |
| Net loans and leases to deposits | 93.4864% | 1,272 |
| Net loans and leases to core deposits | 104.2150% | 1,311 |
| Total domestic deposits to total assets | 76.6965% | 4,557 |
| Equity capital to assets | 13.1727% | 1,528 |
| Core capital (leverage) ratio | 9.8453% | 3,791 |
| Tier 1 risk-based capital ratio | 10.9815% | 4,911 |
| Total risk-based capital ratio | 12.6539% | 4,614 |
| Memoranda: | ||
| Average total assets | $163,087,944,750 | 17 |
| Average earning assets | $144,993,694,750 | 18 |
| Average equity | $21,182,095,250 | 16 |
| Average total loans | $118,779,079,500 | 12 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 3,464 |
| Cost of funding earning assets | 1.1155% | 1,240 |
| Net interest margin | 3.2413% | 4,265 |
| Noninterest income to average assets | 1.0277% | 825 |
| Noninterest expense to average assets | 2.2769% | 4,064 |
| Loan and lease loss provision to assets | 0.2215% | 748 |
| Net operating income to assets | 1.1039% | 2,510 |
| Return on assets (ROA) | 1.1149% | 2,539 |
| Pretax return on assets | 1.4292% | 2,102 |
| Return on Equity (ROE) | 8.6251% | 3,014 |
| Retained earnings to average equity (ytd only) | 2.3433% | 4,006 |
| Net charge-offs to loans | 0.3300% | 517 |
| Credit loss provision to net charge-offs | 92.1149% | 2,113 |
| Earnings coverage of net charge-offs (x) | 6.8068% | 2,540 |
| Efficiency ratio | 58.0419% | 4,003 |
| Assets per employee ($millions) | 9.0144% | 457 |
| Cash dividends to net income (ytd only)* | 72.8320% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,434 |
| Loan loss allowance to noncurrent loans | 131.9952% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.5865% | 2,257 |
| Noncurrent loans to loans | 0.7816% | 2,032 |
| Net loans and leases to total assets | 72.1937% | 2,184 |
| Net loans and leases to deposits | 93.5867% | 1,299 |
| Net loans and leases to core deposits | 105.2833% | 1,288 |
| Total domestic deposits to total assets | 76.8262% | 4,582 |
| Equity capital to assets | 13.1600% | 1,512 |
| Core capital (leverage) ratio | 9.7475% | 3,887 |
| Tier 1 risk-based capital ratio | 10.9449% | 4,938 |
| Total risk-based capital ratio | 12.7090% | 4,598 |
| Memoranda: | ||
| Average total assets | $162,566,458,670 | 17 |
| Average earning assets | $144,750,553,330 | 18 |
| Average equity | $21,013,091,000 | 16 |
| Average total loans | $118,457,091,000 | 12 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3489% | 3,404 |
| Cost of funding earning assets | 1.1113% | 1,152 |
| Net interest margin | 3.2376% | 4,310 |
| Noninterest income to average assets | 0.9789% | 860 |
| Noninterest expense to average assets | 2.2511% | 4,147 |
| Loan and lease loss provision to assets | 0.2254% | 686 |
| Net operating income to assets | 1.0752% | 2,563 |
| Return on assets (ROA) | 1.0891% | 2,558 |
| Pretax return on assets | 1.4019% | 2,076 |
| Return on Equity (ROE) | 8.5029% | 3,037 |
| Retained earnings to average equity (ytd only) | 1.7697% | 4,122 |
| Net charge-offs to loans | 0.2998% | 500 |
| Credit loss provision to net charge-offs | 103.2562% | 1,542 |
| Earnings coverage of net charge-offs (x) | 7.3737% | 2,140 |
| Efficiency ratio | 58.1875% | 4,054 |
| Assets per employee ($millions) | 8.9813% | 482 |
| Cash dividends to net income (ytd only)* | 79.1870% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,419 |
| Loan loss allowance to noncurrent loans | 133.5342% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5957% | 2,288 |
| Noncurrent loans to loans | 0.7856% | 2,072 |
| Net loans and leases to total assets | 72.7742% | 2,028 |
| Net loans and leases to deposits | 93.6316% | 1,213 |
| Net loans and leases to core deposits | 106.1755% | 1,161 |
| Total domestic deposits to total assets | 77.4896% | 4,592 |
| Equity capital to assets | 13.0081% | 1,452 |
| Core capital (leverage) ratio | 9.6900% | 3,929 |
| Tier 1 risk-based capital ratio | 10.9482% | 5,003 |
| Total risk-based capital ratio | 12.7391% | 4,643 |
| Memoranda: | ||
| Average total assets | $162,336,949,000 | 16 |
| Average earning assets | $144,505,622,500 | 17 |
| Average equity | $20,792,592,000 | 16 |
| Average total loans | $118,225,074,000 | 12 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2044% | 3,437 |
| Cost of funding earning assets | 0.9017% | 1,090 |
| Net interest margin | 3.3027% | 4,251 |
| Noninterest income to average assets | 0.9963% | 950 |
| Noninterest expense to average assets | 2.3039% | 4,112 |
| Loan and lease loss provision to assets | 0.2676% | 630 |
| Net operating income to assets | 1.1040% | 2,579 |
| Return on assets (ROA) | 1.1090% | 2,559 |
| Pretax return on assets | 1.3751% | 2,225 |
| Return on Equity (ROE) | 8.2648% | 3,333 |
| Retained earnings to average equity (ytd only) | 0.7786% | 4,781 |
| Net charge-offs to loans | 0.2991% | 648 |
| Credit loss provision to net charge-offs | 116.7661% | 2,219 |
| Earnings coverage of net charge-offs (x) | 7.1406% | 3,011 |
| Efficiency ratio | 58.4269% | 4,092 |
| Assets per employee ($millions) | 8.4355% | 565 |
| Cash dividends to net income (ytd only)* | 90.5793% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 3,310 |
| Loan loss allowance to noncurrent loans | 133.8621% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 2,155 |
| Noncurrent loans to loans | 0.7935% | 2,022 |
| Net loans and leases to total assets | 76.2588% | 1,565 |
| Net loans and leases to deposits | 105.1240% | 415 |
| Net loans and leases to core deposits | 118.9838% | 580 |
| Total domestic deposits to total assets | 72.3000% | 5,058 |
| Equity capital to assets | 13.0485% | 1,323 |
| Core capital (leverage) ratio | 9.8568% | 3,736 |
| Tier 1 risk-based capital ratio | 10.5574% | 5,158 |
| Total risk-based capital ratio | 12.5451% | 4,726 |
| Memoranda: | ||
| Average total assets | $124,932,595,400 | 22 |
| Average earning assets | $111,367,792,200 | 23 |
| Average equity | $16,764,280,800 | 17 |
| Average total loans | $95,734,860,200 | 14 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 3,517 |
| Cost of funding earning assets | 0.8409% | 1,148 |
| Net interest margin | 3.2938% | 4,295 |
| Noninterest income to average assets | 0.9906% | 974 |
| Noninterest expense to average assets | 2.2715% | 4,168 |
| Loan and lease loss provision to assets | 0.2584% | 603 |
| Net operating income to assets | 1.0975% | 2,677 |
| Return on assets (ROA) | 1.1013% | 2,677 |
| Pretax return on assets | 1.4042% | 2,210 |
| Return on Equity (ROE) | 8.1487% | 3,486 |
| Retained earnings to average equity (ytd only) | 0.4198% | 4,967 |
| Net charge-offs to loans | 0.2906% | 571 |
| Credit loss provision to net charge-offs | 116.2011% | 2,035 |
| Earnings coverage of net charge-offs (x) | 7.4550% | 2,808 |
| Efficiency ratio | 57.7888% | 4,158 |
| Assets per employee ($millions) | 8.2045% | 600 |
| Cash dividends to net income (ytd only)* | 94.8484% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 3,346 |
| Loan loss allowance to noncurrent loans | 130.5420% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.6460% | 2,253 |
| Noncurrent loans to loans | 0.8208% | 2,065 |
| Net loans and leases to total assets | 76.0420% | 1,653 |
| Net loans and leases to deposits | 106.0475% | 440 |
| Net loans and leases to core deposits | 118.8428% | 611 |
| Total domestic deposits to total assets | 71.0870% | 5,177 |
| Equity capital to assets | 13.1530% | 1,271 |
| Core capital (leverage) ratio | 9.9548% | 3,689 |
| Tier 1 risk-based capital ratio | 10.7482% | 5,152 |
| Total risk-based capital ratio | 12.7758% | 4,660 |
| Memoranda: | ||
| Average total assets | $123,809,086,000 | 22 |
| Average earning assets | $110,456,941,750 | 23 |
| Average equity | $16,733,289,500 | 17 |
| Average total loans | $94,728,877,500 | 14 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0531% | 3,604 |
| Cost of funding earning assets | 0.7751% | 1,256 |
| Net interest margin | 3.2781% | 4,315 |
| Noninterest income to average assets | 0.9697% | 1,013 |
| Noninterest expense to average assets | 2.2552% | 4,248 |
| Loan and lease loss provision to assets | 0.2770% | 534 |
| Net operating income to assets | 1.0713% | 2,707 |
| Return on assets (ROA) | 1.0765% | 2,687 |
| Pretax return on assets | 1.3726% | 2,251 |
| Return on Equity (ROE) | 7.8924% | 3,544 |
| Retained earnings to average equity (ytd only) | -0.2878% | 4,995 |
| Net charge-offs to loans | 0.2866% | 561 |
| Credit loss provision to net charge-offs | 126.5205% | 1,747 |
| Earnings coverage of net charge-offs (x) | 7.5053% | 2,540 |
| Efficiency ratio | 57.8521% | 4,255 |
| Assets per employee ($millions) | 8.3443% | 551 |
| Cash dividends to net income (ytd only)* | 103.6472% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 3,281 |
| Loan loss allowance to noncurrent loans | 142.7348% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.6071% | 2,403 |
| Noncurrent loans to loans | 0.7689% | 2,198 |
| Net loans and leases to total assets | 76.1617% | 1,612 |
| Net loans and leases to deposits | 104.2130% | 517 |
| Net loans and leases to core deposits | 116.0019% | 714 |
| Total domestic deposits to total assets | 72.8706% | 5,126 |
| Equity capital to assets | 13.4587% | 1,115 |
| Core capital (leverage) ratio | 10.1316% | 3,444 |
| Tier 1 risk-based capital ratio | 11.0363% | 5,036 |
| Total risk-based capital ratio | 13.1160% | 4,461 |
| Memoranda: | ||
| Average total assets | $122,781,906,330 | 23 |
| Average earning assets | $109,690,102,000 | 23 |
| Average equity | $16,747,760,000 | 17 |
| Average total loans | $93,793,436,330 | 14 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 3,800 |
| Cost of funding earning assets | 0.7018% | 1,429 |
| Net interest margin | 3.2437% | 4,331 |
| Noninterest income to average assets | 0.9331% | 1,063 |
| Noninterest expense to average assets | 2.2653% | 4,264 |
| Loan and lease loss provision to assets | 0.2704% | 512 |
| Net operating income to assets | 1.0126% | 2,806 |
| Return on assets (ROA) | 1.0239% | 2,777 |
| Pretax return on assets | 1.3069% | 2,338 |
| Return on Equity (ROE) | 7.4563% | 3,611 |
| Retained earnings to average equity (ytd only) | -3.1500% | 5,090 |
| Net charge-offs to loans | 0.2745% | 565 |
| Credit loss provision to net charge-offs | 129.4930% | 1,338 |
| Earnings coverage of net charge-offs (x) | 7.4848% | 2,085 |
| Efficiency ratio | 59.1708% | 4,188 |
| Assets per employee ($millions) | 8.3183% | 559 |
| Cash dividends to net income (ytd only)* | 142.2461% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 3,373 |
| Loan loss allowance to noncurrent loans | 135.8938% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 2,406 |
| Noncurrent loans to loans | 0.8100% | 2,192 |
| Net loans and leases to total assets | 75.6191% | 1,600 |
| Net loans and leases to deposits | 103.0510% | 533 |
| Net loans and leases to core deposits | 113.4813% | 830 |
| Total domestic deposits to total assets | 73.0997% | 5,215 |
| Equity capital to assets | 13.5662% | 1,026 |
| Core capital (leverage) ratio | 10.1461% | 3,364 |
| Tier 1 risk-based capital ratio | 11.1538% | 5,053 |
| Total risk-based capital ratio | 13.2603% | 4,435 |
| Memoranda: | ||
| Average total assets | $122,212,334,000 | 23 |
| Average earning assets | $109,086,542,000 | 22 |
| Average equity | $16,782,546,500 | 17 |
| Average total loans | $92,976,306,000 | 14 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6900% | 4,361 |
| Cost of funding earning assets | 0.5386% | 2,046 |
| Net interest margin | 3.1514% | 4,571 |
| Noninterest income to average assets | 1.0079% | 1,004 |
| Noninterest expense to average assets | 2.2908% | 4,358 |
| Loan and lease loss provision to assets | 0.2182% | 904 |
| Net operating income to assets | 1.1541% | 1,669 |
| Return on assets (ROA) | 1.1551% | 1,696 |
| Pretax return on assets | 1.3128% | 2,300 |
| Return on Equity (ROE) | 8.3211% | 2,638 |
| Retained earnings to average equity (ytd only) | 3.6835% | 3,029 |
| Net charge-offs to loans | 0.2894% | 908 |
| Credit loss provision to net charge-offs | 100.0871% | 2,556 |
| Earnings coverage of net charge-offs (x) | 7.0173% | 3,105 |
| Efficiency ratio | 59.9585% | 4,274 |
| Assets per employee ($millions) | 8.2906% | 576 |
| Cash dividends to net income (ytd only)* | 55.7337% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,380 |
| Loan loss allowance to noncurrent loans | 135.9275% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6291% | 2,445 |
| Noncurrent loans to loans | 0.8059% | 2,198 |
| Net loans and leases to total assets | 74.8640% | 1,780 |
| Net loans and leases to deposits | 101.8963% | 610 |
| Net loans and leases to core deposits | 112.6500% | 861 |
| Total domestic deposits to total assets | 73.1029% | 5,249 |
| Equity capital to assets | 13.8990% | 940 |
| Core capital (leverage) ratio | 10.3375% | 3,033 |
| Tier 1 risk-based capital ratio | 11.3759% | 4,934 |
| Total risk-based capital ratio | 13.4857% | 4,274 |
| Memoranda: | ||
| Average total assets | $119,607,716,400 | 24 |
| Average earning assets | $106,757,079,000 | 24 |
| Average equity | $16,603,144,400 | 18 |
| Average total loans | $90,105,052,600 | 14 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6354% | 4,474 |
| Cost of funding earning assets | 0.5106% | 2,183 |
| Net interest margin | 3.1248% | 4,640 |
| Noninterest income to average assets | 0.9920% | 1,046 |
| Noninterest expense to average assets | 2.2916% | 4,322 |
| Loan and lease loss provision to assets | 0.2016% | 941 |
| Net operating income to assets | 0.9187% | 2,930 |
| Return on assets (ROA) | 0.9191% | 2,993 |
| Pretax return on assets | 1.2887% | 2,548 |
| Return on Equity (ROE) | 6.6229% | 3,853 |
| Retained earnings to average equity (ytd only) | 2.2633% | 4,510 |
| Net charge-offs to loans | 0.2819% | 768 |
| Credit loss provision to net charge-offs | 95.0649% | 2,388 |
| Earnings coverage of net charge-offs (x) | 7.0246% | 2,919 |
| Efficiency ratio | 60.6032% | 4,116 |
| Assets per employee ($millions) | 8.1615% | 596 |
| Cash dividends to net income (ytd only)* | 65.8256% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 3,559 |
| Loan loss allowance to noncurrent loans | 129.8618% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 2,531 |
| Noncurrent loans to loans | 0.8381% | 2,264 |
| Net loans and leases to total assets | 75.4327% | 1,690 |
| Net loans and leases to deposits | 103.0325% | 547 |
| Net loans and leases to core deposits | 113.4144% | 871 |
| Total domestic deposits to total assets | 72.7622% | 5,336 |
| Equity capital to assets | 13.8177% | 1,044 |
| Core capital (leverage) ratio | 10.1512% | 3,378 |
| Tier 1 risk-based capital ratio | 11.0775% | 5,201 |
| Total risk-based capital ratio | 13.1951% | 4,541 |
| Memoranda: | ||
| Average total assets | $119,010,646,250 | 24 |
| Average earning assets | $106,238,805,500 | 24 |
| Average equity | $16,514,876,500 | 18 |
| Average total loans | $89,545,652,250 | 14 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5711% | 4,591 |
| Cost of funding earning assets | 0.4741% | 2,384 |
| Net interest margin | 3.0970% | 4,694 |
| Noninterest income to average assets | 0.9937% | 1,027 |
| Noninterest expense to average assets | 2.3257% | 4,273 |
| Loan and lease loss provision to assets | 0.1937% | 955 |
| Net operating income to assets | 0.8997% | 2,915 |
| Return on assets (ROA) | 0.9005% | 2,964 |
| Pretax return on assets | 1.2379% | 2,628 |
| Return on Equity (ROE) | 6.4799% | 3,836 |
| Retained earnings to average equity (ytd only) | 2.5308% | 4,169 |
| Net charge-offs to loans | 0.2929% | 696 |
| Credit loss provision to net charge-offs | 88.3228% | 2,163 |
| Earnings coverage of net charge-offs (x) | 6.5213% | 2,701 |
| Efficiency ratio | 61.9164% | 3,999 |
| Assets per employee ($millions) | 8.1021% | 597 |
| Cash dividends to net income (ytd only)* | 60.9442% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,528 |
| Loan loss allowance to noncurrent loans | 117.4846% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 2,383 |
| Noncurrent loans to loans | 0.9450% | 2,073 |
| Net loans and leases to total assets | 73.8591% | 1,898 |
| Net loans and leases to deposits | 100.2695% | 716 |
| Net loans and leases to core deposits | 110.0246% | 1,000 |
| Total domestic deposits to total assets | 73.1785% | 5,372 |
| Equity capital to assets | 13.8176% | 1,026 |
| Core capital (leverage) ratio | 10.1446% | 3,346 |
| Tier 1 risk-based capital ratio | 11.2257% | 5,128 |
| Total risk-based capital ratio | 13.3825% | 4,424 |
| Memoranda: | ||
| Average total assets | $118,439,297,000 | 24 |
| Average earning assets | $105,644,916,000 | 24 |
| Average equity | $16,459,393,670 | 18 |
| Average total loans | $88,704,905,330 | 16 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 4,648 |
| Cost of funding earning assets | 0.4304% | 2,718 |
| Net interest margin | 3.0865% | 4,692 |
| Noninterest income to average assets | 1.0089% | 986 |
| Noninterest expense to average assets | 2.3728% | 4,194 |
| Loan and lease loss provision to assets | 0.1979% | 837 |
| Net operating income to assets | 0.9080% | 2,721 |
| Return on assets (ROA) | 0.9118% | 2,753 |
| Pretax return on assets | 1.1990% | 2,599 |
| Return on Equity (ROE) | 6.5424% | 3,639 |
| Retained earnings to average equity (ytd only) | 2.7594% | 4,029 |
| Net charge-offs to loans | 0.2899% | 630 |
| Credit loss provision to net charge-offs | 91.0236% | 1,685 |
| Earnings coverage of net charge-offs (x) | 6.4009% | 2,218 |
| Efficiency ratio | 63.0284% | 3,985 |
| Assets per employee ($millions) | 8.0937% | 595 |
| Cash dividends to net income (ytd only)* | 57.8233% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 3,486 |
| Loan loss allowance to noncurrent loans | 116.1529% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7591% | 2,403 |
| Noncurrent loans to loans | 0.9778% | 2,091 |
| Net loans and leases to total assets | 74.0355% | 1,733 |
| Net loans and leases to deposits | 102.8473% | 452 |
| Net loans and leases to core deposits | 112.7021% | 739 |
| Total domestic deposits to total assets | 71.4796% | 5,567 |
| Equity capital to assets | 13.9019% | 932 |
| Core capital (leverage) ratio | 10.1921% | 3,248 |
| Tier 1 risk-based capital ratio | 11.2950% | 5,141 |
| Total risk-based capital ratio | 13.4933% | 4,450 |
| Memoranda: | ||
| Average total assets | $117,590,052,000 | 24 |
| Average earning assets | $104,985,482,500 | 24 |
| Average equity | $16,388,992,000 | 18 |
| Average total loans | $88,192,893,000 | 16 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3842% | 5,011 |
| Cost of funding earning assets | 0.3604% | 3,408 |
| Net interest margin | 3.0238% | 4,907 |
| Noninterest income to average assets | 1.0608% | 1,000 |
| Noninterest expense to average assets | 2.3464% | 4,431 |
| Loan and lease loss provision to assets | 0.2392% | 892 |
| Net operating income to assets | 0.7866% | 3,369 |
| Return on assets (ROA) | 0.7841% | 3,482 |
| Pretax return on assets | 1.1496% | 2,896 |
| Return on Equity (ROE) | 5.3846% | 4,240 |
| Retained earnings to average equity (ytd only) | 2.9708% | 3,786 |
| Net charge-offs to loans | 0.2914% | 952 |
| Credit loss provision to net charge-offs | 110.0126% | 2,378 |
| Earnings coverage of net charge-offs (x) | 6.4048% | 3,178 |
| Efficiency ratio | 62.7566% | 4,141 |
| Assets per employee ($millions) | 7.9719% | 618 |
| Cash dividends to net income (ytd only)* | 44.8277% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 3,421 |
| Loan loss allowance to noncurrent loans | 118.2146% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 2,444 |
| Noncurrent loans to loans | 0.9740% | 2,146 |
| Net loans and leases to total assets | 74.2510% | 1,804 |
| Net loans and leases to deposits | 104.3198% | 420 |
| Net loans and leases to core deposits | 114.6798% | 670 |
| Total domestic deposits to total assets | 70.4840% | 5,644 |
| Equity capital to assets | 13.9732% | 895 |
| Core capital (leverage) ratio | 10.2695% | 3,143 |
| Tier 1 risk-based capital ratio | 11.1932% | 5,224 |
| Total risk-based capital ratio | 13.3772% | 4,517 |
| Memoranda: | ||
| Average total assets | $112,382,931,400 | 25 |
| Average earning assets | $99,534,550,000 | 25 |
| Average equity | $16,364,207,200 | 19 |
| Average total loans | $83,853,414,800 | 16 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3472% | 5,129 |
| Cost of funding earning assets | 0.3554% | 3,483 |
| Net interest margin | 2.9918% | 5,030 |
| Noninterest income to average assets | 1.0618% | 1,009 |
| Noninterest expense to average assets | 2.3601% | 4,380 |
| Loan and lease loss provision to assets | 0.2265% | 893 |
| Net operating income to assets | 0.7680% | 3,523 |
| Return on assets (ROA) | 0.7622% | 3,683 |
| Pretax return on assets | 1.1127% | 3,174 |
| Return on Equity (ROE) | 5.1793% | 4,440 |
| Retained earnings to average equity (ytd only) | 3.2246% | 3,981 |
| Net charge-offs to loans | 0.2655% | 878 |
| Credit loss provision to net charge-offs | 114.5325% | 2,167 |
| Earnings coverage of net charge-offs (x) | 6.8160% | 2,960 |
| Efficiency ratio | 63.6508% | 3,976 |
| Assets per employee ($millions) | 7.8325% | 629 |
| Cash dividends to net income (ytd only)* | 37.7411% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1788% | 3,380 |
| Loan loss allowance to noncurrent loans | 114.3639% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 2,525 |
| Noncurrent loans to loans | 1.0307% | 2,185 |
| Net loans and leases to total assets | 73.9471% | 1,875 |
| Net loans and leases to deposits | 103.9891% | 457 |
| Net loans and leases to core deposits | 115.2951% | 682 |
| Total domestic deposits to total assets | 69.5501% | 5,722 |
| Equity capital to assets | 14.4890% | 875 |
| Core capital (leverage) ratio | 10.4715% | 3,027 |
| Tier 1 risk-based capital ratio | 11.3603% | 5,175 |
| Total risk-based capital ratio | 13.5935% | 4,482 |
| Memoranda: | ||
| Average total assets | $111,243,714,500 | 24 |
| Average earning assets | $98,388,972,750 | 23 |
| Average equity | $16,370,188,250 | 19 |
| Average total loans | $82,856,688,500 | 15 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3353% | 5,214 |
| Cost of funding earning assets | 0.3428% | 3,645 |
| Net interest margin | 2.9925% | 5,099 |
| Noninterest income to average assets | 0.9615% | 1,212 |
| Noninterest expense to average assets | 2.3048% | 4,599 |
| Loan and lease loss provision to assets | 0.2170% | 963 |
| Net operating income to assets | 0.7289% | 3,660 |
| Return on assets (ROA) | 0.7228% | 3,842 |
| Pretax return on assets | 1.0738% | 3,310 |
| Return on Equity (ROE) | 4.8856% | 4,562 |
| Retained earnings to average equity (ytd only) | 3.4738% | 3,682 |
| Net charge-offs to loans | 0.2736% | 874 |
| Credit loss provision to net charge-offs | 106.6654% | 2,007 |
| Earnings coverage of net charge-offs (x) | 6.3886% | 2,748 |
| Efficiency ratio | 63.9379% | 4,029 |
| Assets per employee ($millions) | 7.6491% | 654 |
| Cash dividends to net income (ytd only)* | 28.8961% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 3,458 |
| Loan loss allowance to noncurrent loans | 104.1431% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 2,396 |
| Noncurrent loans to loans | 1.1342% | 2,032 |
| Net loans and leases to total assets | 73.6291% | 1,914 |
| Net loans and leases to deposits | 104.8294% | 424 |
| Net loans and leases to core deposits | 115.6768% | 649 |
| Total domestic deposits to total assets | 68.7763% | 5,819 |
| Equity capital to assets | 14.6191% | 841 |
| Core capital (leverage) ratio | 10.4931% | 2,983 |
| Tier 1 risk-based capital ratio | 11.4950% | 5,159 |
| Total risk-based capital ratio | 13.9832% | 4,264 |
| Memoranda: | ||
| Average total assets | $110,123,446,670 | 24 |
| Average earning assets | $97,272,669,670 | 23 |
| Average equity | $16,291,884,330 | 19 |
| Average total loans | $81,889,724,000 | 16 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3423% | 5,237 |
| Cost of funding earning assets | 0.3311% | 3,825 |
| Net interest margin | 3.0111% | 5,095 |
| Noninterest income to average assets | 0.9227% | 1,257 |
| Noninterest expense to average assets | 2.3163% | 4,613 |
| Loan and lease loss provision to assets | 0.1718% | 1,194 |
| Net operating income to assets | 0.7343% | 3,566 |
| Return on assets (ROA) | 0.7346% | 3,669 |
| Pretax return on assets | 1.0916% | 3,128 |
| Return on Equity (ROE) | 4.9348% | 4,513 |
| Retained earnings to average equity (ytd only) | 3.4514% | 3,777 |
| Net charge-offs to loans | 0.2998% | 716 |
| Credit loss provision to net charge-offs | 77.1646% | 1,856 |
| Earnings coverage of net charge-offs (x) | 5.6720% | 2,308 |
| Efficiency ratio | 64.7130% | 4,016 |
| Assets per employee ($millions) | 7.3895% | 741 |
| Cash dividends to net income (ytd only)* | 30.0607% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 3,542 |
| Loan loss allowance to noncurrent loans | 93.6369% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 2,241 |
| Noncurrent loans to loans | 1.2706% | 1,903 |
| Net loans and leases to total assets | 73.9301% | 1,740 |
| Net loans and leases to deposits | 103.9022% | 417 |
| Net loans and leases to core deposits | 113.8178% | 674 |
| Total domestic deposits to total assets | 70.1419% | 5,859 |
| Equity capital to assets | 14.9235% | 708 |
| Core capital (leverage) ratio | 10.6106% | 2,838 |
| Tier 1 risk-based capital ratio | 11.6786% | 5,117 |
| Total risk-based capital ratio | 14.2134% | 4,207 |
| Memoranda: | ||
| Average total assets | $108,689,102,500 | 24 |
| Average earning assets | $95,892,997,000 | 23 |
| Average equity | $16,178,634,000 | 19 |
| Average total loans | $80,739,865,500 | 16 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2427% | 5,447 |
| Cost of funding earning assets | 0.3233% | 3,988 |
| Net interest margin | 2.9194% | 5,299 |
| Noninterest income to average assets | 1.0616% | 1,044 |
| Noninterest expense to average assets | 2.3847% | 4,549 |
| Loan and lease loss provision to assets | 0.2066% | 1,030 |
| Net operating income to assets | 0.6928% | 3,846 |
| Return on assets (ROA) | 0.7069% | 3,887 |
| Pretax return on assets | 1.0692% | 3,191 |
| Return on Equity (ROE) | 4.6884% | 4,660 |
| Retained earnings to average equity (ytd only) | 3.4031% | 3,629 |
| Net charge-offs to loans | 0.2745% | 1,103 |
| Credit loss provision to net charge-offs | 102.4562% | 2,447 |
| Earnings coverage of net charge-offs (x) | 6.2224% | 3,263 |
| Efficiency ratio | 65.5287% | 3,978 |
| Assets per employee ($millions) | 7.4007% | 746 |
| Cash dividends to net income (ytd only)* | 27.4153% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 3,257 |
| Loan loss allowance to noncurrent loans | 108.5991% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 2,487 |
| Noncurrent loans to loans | 1.1404% | 2,062 |
| Net loans and leases to total assets | 72.8306% | 1,915 |
| Net loans and leases to deposits | 101.4541% | 582 |
| Net loans and leases to core deposits | 109.1670% | 909 |
| Total domestic deposits to total assets | 70.7510% | 5,860 |
| Equity capital to assets | 14.8465% | 696 |
| Core capital (leverage) ratio | 10.7001% | 2,709 |
| Tier 1 risk-based capital ratio | 11.7370% | 5,108 |
| Total risk-based capital ratio | 14.3322% | 4,169 |
| Memoranda: | ||
| Average total assets | $105,779,174,600 | 23 |
| Average earning assets | $93,396,356,200 | 22 |
| Average equity | $15,948,990,200 | 19 |
| Average total loans | $77,692,973,800 | 15 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2254% | 5,550 |
| Cost of funding earning assets | 0.3222% | 4,079 |
| Net interest margin | 2.9032% | 5,406 |
| Noninterest income to average assets | 1.0596% | 1,069 |
| Noninterest expense to average assets | 2.3994% | 4,515 |
| Loan and lease loss provision to assets | 0.1940% | 1,044 |
| Net operating income to assets | 0.6797% | 3,994 |
| Return on assets (ROA) | 0.6919% | 4,048 |
| Pretax return on assets | 1.0500% | 3,412 |
| Return on Equity (ROE) | 4.5707% | 4,809 |
| Retained earnings to average equity (ytd only) | 3.3149% | 4,112 |
| Net charge-offs to loans | 0.2691% | 989 |
| Credit loss provision to net charge-offs | 98.2467% | 2,331 |
| Earnings coverage of net charge-offs (x) | 6.2063% | 3,083 |
| Efficiency ratio | 66.1907% | 3,867 |
| Assets per employee ($millions) | 7.1130% | 825 |
| Cash dividends to net income (ytd only)* | 27.4756% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 3,375 |
| Loan loss allowance to noncurrent loans | 111.0462% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8685% | 2,704 |
| Noncurrent loans to loans | 1.1246% | 2,254 |
| Net loans and leases to total assets | 73.7776% | 1,777 |
| Net loans and leases to deposits | 102.9297% | 499 |
| Net loans and leases to core deposits | 112.7924% | 718 |
| Total domestic deposits to total assets | 70.4742% | 5,953 |
| Equity capital to assets | 15.4125% | 661 |
| Core capital (leverage) ratio | 10.8375% | 2,659 |
| Tier 1 risk-based capital ratio | 12.0346% | 5,062 |
| Total risk-based capital ratio | 14.4850% | 4,215 |
| Memoranda: | ||
| Average total assets | $105,207,789,000 | 23 |
| Average earning assets | $92,965,356,000 | 22 |
| Average equity | $15,925,281,000 | 19 |
| Average total loans | $77,193,447,500 | 15 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1879% | 5,641 |
| Cost of funding earning assets | 0.3185% | 4,179 |
| Net interest margin | 2.8695% | 5,494 |
| Noninterest income to average assets | 1.0488% | 1,078 |
| Noninterest expense to average assets | 2.4152% | 4,497 |
| Loan and lease loss provision to assets | 0.1852% | 1,092 |
| Net operating income to assets | 0.6508% | 4,118 |
| Return on assets (ROA) | 0.6663% | 4,154 |
| Pretax return on assets | 1.0084% | 3,552 |
| Return on Equity (ROE) | 4.4285% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.1661% | 4,043 |
| Net charge-offs to loans | 0.2648% | 988 |
| Credit loss provision to net charge-offs | 95.8962% | 2,132 |
| Earnings coverage of net charge-offs (x) | 6.0583% | 2,832 |
| Efficiency ratio | 67.3652% | 3,777 |
| Assets per employee ($millions) | 7.2140% | 761 |
| Cash dividends to net income (ytd only)* | 28.5059% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 3,508 |
| Loan loss allowance to noncurrent loans | 108.4885% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.8693% | 2,807 |
| Noncurrent loans to loans | 1.1522% | 2,340 |
| Net loans and leases to total assets | 72.2098% | 1,944 |
| Net loans and leases to deposits | 103.8785% | 458 |
| Net loans and leases to core deposits | 113.6258% | 684 |
| Total domestic deposits to total assets | 68.5749% | 6,096 |
| Equity capital to assets | 14.9101% | 720 |
| Core capital (leverage) ratio | 10.6462% | 2,796 |
| Tier 1 risk-based capital ratio | 11.8338% | 5,258 |
| Total risk-based capital ratio | 14.2719% | 4,425 |
| Memoranda: | ||
| Average total assets | $105,302,465,330 | 22 |
| Average earning assets | $93,083,397,670 | 22 |
| Average equity | $15,843,237,330 | 19 |
| Average total loans | $76,794,880,330 | 14 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1753% | 5,689 |
| Cost of funding earning assets | 0.3137% | 4,289 |
| Net interest margin | 2.8617% | 5,527 |
| Noninterest income to average assets | 1.0392% | 1,037 |
| Noninterest expense to average assets | 2.4441% | 4,465 |
| Loan and lease loss provision to assets | 0.1832% | 1,040 |
| Net operating income to assets | 0.6242% | 4,176 |
| Return on assets (ROA) | 0.6383% | 4,218 |
| Pretax return on assets | 0.9687% | 3,609 |
| Return on Equity (ROE) | 4.2228% | 4,882 |
| Retained earnings to average equity (ytd only) | 2.9564% | 4,200 |
| Net charge-offs to loans | 0.2317% | 1,025 |
| Credit loss provision to net charge-offs | 108.5386% | 1,528 |
| Earnings coverage of net charge-offs (x) | 6.6985% | 2,255 |
| Efficiency ratio | 68.3743% | 3,761 |
| Assets per employee ($millions) | 7.2273% | 769 |
| Cash dividends to net income (ytd only)* | 29.9911% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2911% | 3,450 |
| Loan loss allowance to noncurrent loans | 102.6313% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 2,763 |
| Noncurrent loans to loans | 1.2580% | 2,276 |
| Net loans and leases to total assets | 71.0847% | 1,970 |
| Net loans and leases to deposits | 102.9809% | 413 |
| Net loans and leases to core deposits | 111.9288% | 660 |
| Total domestic deposits to total assets | 68.1108% | 6,195 |
| Equity capital to assets | 15.0090% | 716 |
| Core capital (leverage) ratio | 10.7573% | 2,679 |
| Tier 1 risk-based capital ratio | 11.9794% | 5,252 |
| Total risk-based capital ratio | 14.4876% | 4,390 |
| Memoranda: | ||
| Average total assets | $104,479,898,000 | 22 |
| Average earning assets | $92,568,051,000 | 22 |
| Average equity | $15,791,853,500 | 19 |
| Average total loans | $76,090,217,500 | 15 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3155% | 5,682 |
| Cost of funding earning assets | 0.2937% | 4,855 |
| Net interest margin | 3.0218% | 5,401 |
| Noninterest income to average assets | 1.3937% | 628 |
| Noninterest expense to average assets | 2.5808% | 4,291 |
| Loan and lease loss provision to assets | 0.2486% | 923 |
| Net operating income to assets | 0.8196% | 3,282 |
| Return on assets (ROA) | 0.8262% | 3,342 |
| Pretax return on assets | 1.2176% | 2,581 |
| Return on Equity (ROE) | 5.2304% | 4,544 |
| Retained earnings to average equity (ytd only) | 4.3373% | 3,100 |
| Net charge-offs to loans | 0.3915% | 1,094 |
| Credit loss provision to net charge-offs | 85.8924% | 2,741 |
| Earnings coverage of net charge-offs (x) | 5.0321% | 3,514 |
| Efficiency ratio | 63.9238% | 4,599 |
| Assets per employee ($millions) | 7.0917% | 805 |
| Cash dividends to net income (ytd only)* | 17.0749% | 3,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 3,456 |
| Loan loss allowance to noncurrent loans | 102.6211% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 2,836 |
| Noncurrent loans to loans | 1.2611% | 2,341 |
| Net loans and leases to total assets | 72.7113% | 1,801 |
| Net loans and leases to deposits | 105.3950% | 382 |
| Net loans and leases to core deposits | 115.0327% | 555 |
| Total domestic deposits to total assets | 68.2195% | 6,260 |
| Equity capital to assets | 15.2235% | 662 |
| Core capital (leverage) ratio | 10.8806% | 2,518 |
| Tier 1 risk-based capital ratio | 12.1990% | 5,226 |
| Total risk-based capital ratio | 14.7525% | 4,352 |
| Memoranda: | ||
| Average total assets | $99,243,201,400 | 23 |
| Average earning assets | $86,824,738,800 | 22 |
| Average equity | $15,676,041,200 | 18 |
| Average total loans | $73,374,936,400 | 14 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3263% | 5,720 |
| Cost of funding earning assets | 0.2878% | 5,013 |
| Net interest margin | 3.0384% | 5,409 |
| Noninterest income to average assets | 1.5060% | 554 |
| Noninterest expense to average assets | 2.6474% | 4,024 |
| Loan and lease loss provision to assets | 0.2435% | 898 |
| Net operating income to assets | 0.8517% | 3,170 |
| Return on assets (ROA) | 0.8623% | 3,204 |
| Pretax return on assets | 1.2809% | 2,453 |
| Return on Equity (ROE) | 5.4079% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.5999% | 3,362 |
| Net charge-offs to loans | 0.3970% | 1,000 |
| Credit loss provision to net charge-offs | 82.8922% | 2,546 |
| Earnings coverage of net charge-offs (x) | 5.1354% | 3,314 |
| Efficiency ratio | 63.7004% | 4,600 |
| Assets per employee ($millions) | 6.9409% | 821 |
| Cash dividends to net income (ytd only)* | 14.9413% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 3,467 |
| Loan loss allowance to noncurrent loans | 104.3665% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 3,045 |
| Noncurrent loans to loans | 1.2798% | 2,501 |
| Net loans and leases to total assets | 71.4526% | 1,942 |
| Net loans and leases to deposits | 105.4077% | 352 |
| Net loans and leases to core deposits | 114.9628% | 553 |
| Total domestic deposits to total assets | 66.8932% | 6,382 |
| Equity capital to assets | 15.4129% | 649 |
| Core capital (leverage) ratio | 11.1573% | 2,346 |
| Tier 1 risk-based capital ratio | 12.6180% | 5,092 |
| Total risk-based capital ratio | 14.9783% | 4,334 |
| Memoranda: | ||
| Average total assets | $98,311,168,500 | 24 |
| Average earning assets | $85,742,702,250 | 23 |
| Average equity | $15,676,087,000 | 19 |
| Average total loans | $72,755,310,750 | 15 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3573% | 5,698 |
| Cost of funding earning assets | 0.2863% | 5,119 |
| Net interest margin | 3.0710% | 5,342 |
| Noninterest income to average assets | 1.7316% | 429 |
| Noninterest expense to average assets | 2.7832% | 3,569 |
| Loan and lease loss provision to assets | 0.2289% | 1,002 |
| Net operating income to assets | 0.9362% | 2,620 |
| Return on assets (ROA) | 0.9518% | 2,636 |
| Pretax return on assets | 1.4243% | 1,803 |
| Return on Equity (ROE) | 5.9000% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.9000% | 2,382 |
| Net charge-offs to loans | 0.3827% | 1,052 |
| Credit loss provision to net charge-offs | 80.2175% | 2,328 |
| Earnings coverage of net charge-offs (x) | 5.7127% | 2,881 |
| Efficiency ratio | 63.0669% | 4,847 |
| Assets per employee ($millions) | 6.7800% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 3,490 |
| Loan loss allowance to noncurrent loans | 97.9086% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.0441% | 2,978 |
| Noncurrent loans to loans | 1.3985% | 2,464 |
| Net loans and leases to total assets | 71.2029% | 1,882 |
| Net loans and leases to deposits | 103.0903% | 396 |
| Net loans and leases to core deposits | 111.1500% | 643 |
| Total domestic deposits to total assets | 68.3164% | 6,410 |
| Equity capital to assets | 15.7961% | 584 |
| Core capital (leverage) ratio | 11.5308% | 1,977 |
| Tier 1 risk-based capital ratio | 12.9571% | 4,940 |
| Total risk-based capital ratio | 15.0714% | 4,329 |
| Memoranda: | ||
| Average total assets | $97,133,832,330 | 24 |
| Average earning assets | $84,813,409,330 | 23 |
| Average equity | $15,669,135,670 | 19 |
| Average total loans | $72,422,169,670 | 15 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3732% | 5,706 |
| Cost of funding earning assets | 0.2947% | 5,124 |
| Net interest margin | 3.0785% | 5,312 |
| Noninterest income to average assets | 1.1559% | 831 |
| Noninterest expense to average assets | 2.5941% | 4,290 |
| Loan and lease loss provision to assets | 0.4896% | 311 |
| Net operating income to assets | 0.5363% | 4,523 |
| Return on assets (ROA) | 0.5750% | 4,397 |
| Pretax return on assets | 0.8087% | 4,073 |
| Return on Equity (ROE) | 3.5256% | 5,256 |
| Retained earnings to average equity (ytd only) | 3.5256% | 4,015 |
| Net charge-offs to loans | 0.4360% | 836 |
| Credit loss provision to net charge-offs | 148.1077% | 1,273 |
| Earnings coverage of net charge-offs (x) | 3.7628% | 2,634 |
| Efficiency ratio | 67.5914% | 4,254 |
| Assets per employee ($millions) | 6.2609% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 3,321 |
| Loan loss allowance to noncurrent loans | 93.7117% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.2164% | 2,829 |
| Noncurrent loans to loans | 1.5603% | 2,477 |
| Net loans and leases to total assets | 74.3885% | 1,209 |
| Net loans and leases to deposits | 99.7571% | 444 |
| Net loans and leases to core deposits | 106.0565% | 755 |
| Total domestic deposits to total assets | 73.7139% | 6,265 |
| Equity capital to assets | 16.3054% | 483 |
| Core capital (leverage) ratio | 11.7029% | 1,828 |
| Tier 1 risk-based capital ratio | 12.9773% | 5,019 |
| Total risk-based capital ratio | 14.5080% | 4,790 |
| Memoranda: | ||
| Average total assets | $95,379,509,500 | 24 |
| Average earning assets | $83,095,858,000 | 23 |
| Average equity | $15,554,935,000 | 19 |
| Average total loans | $72,305,678,000 | 15 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3056% | 5,996 |
| Cost of funding earning assets | 0.4190% | 4,442 |
| Net interest margin | 2.8866% | 5,813 |
| Noninterest income to average assets | 1.2219% | 940 |
| Noninterest expense to average assets | 6.1907% | 184 |
| Loan and lease loss provision to assets | 0.4401% | 666 |
| Net operating income to assets | -3.0530% | 6,763 |
| Return on assets (ROA) | -2.9859% | 6,759 |
| Pretax return on assets | -2.8440% | 6,753 |
| Return on Equity (ROE) | -17.8972% | 6,670 |
| Retained earnings to average equity (ytd only) | -18.3446% | 6,658 |
| Net charge-offs to loans | 0.6112% | 1,071 |
| Credit loss provision to net charge-offs | 100.0188% | 2,415 |
| Earnings coverage of net charge-offs (x) | -5.6156% | 5,403 |
| Efficiency ratio | 68.3965% | 4,128 |
| Assets per employee ($millions) | 6.0735% | 1,224 |
| Cash dividends to net income (ytd only)* | -2.5003% | 6,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 3,562 |
| Loan loss allowance to noncurrent loans | 86.5268% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.2928% | 2,838 |
| Noncurrent loans to loans | 1.6384% | 2,447 |
| Net loans and leases to total assets | 75.0497% | 1,214 |
| Net loans and leases to deposits | 99.1192% | 525 |
| Net loans and leases to core deposits | 105.9140% | 799 |
| Total domestic deposits to total assets | 74.8590% | 6,210 |
| Equity capital to assets | 16.3115% | 482 |
| Core capital (leverage) ratio | 11.7112% | 1,819 |
| Tier 1 risk-based capital ratio | 12.9083% | 5,042 |
| Total risk-based capital ratio | 14.4380% | 4,795 |
| Memoranda: | ||
| Average total assets | $100,460,835,200 | 20 |
| Average earning assets | $86,927,248,200 | 21 |
| Average equity | $16,760,444,000 | 17 |
| Average total loans | $72,322,847,600 | 15 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2844% | 6,081 |
| Cost of funding earning assets | 0.4381% | 4,408 |
| Net interest margin | 2.8463% | 5,926 |
| Noninterest income to average assets | 1.2271% | 977 |
| Noninterest expense to average assets | 7.2791% | 139 |
| Loan and lease loss provision to assets | 0.4325% | 670 |
| Net operating income to assets | -4.1556% | 6,875 |
| Return on assets (ROA) | -4.0861% | 6,873 |
| Pretax return on assets | -3.9543% | 6,868 |
| Return on Equity (ROE) | -24.3655% | 6,793 |
| Retained earnings to average equity (ytd only) | -24.9507% | 6,783 |
| Net charge-offs to loans | 0.6234% | 992 |
| Credit loss provision to net charge-offs | 97.6684% | 2,447 |
| Earnings coverage of net charge-offs (x) | -8.1109% | 5,153 |
| Efficiency ratio | 67.4022% | 4,208 |
| Assets per employee ($millions) | 6.3737% | 988 |
| Cash dividends to net income (ytd only)* | -2.4017% | 6,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 3,752 |
| Loan loss allowance to noncurrent loans | 72.1506% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 2,696 |
| Noncurrent loans to loans | 1.9893% | 2,255 |
| Net loans and leases to total assets | 71.8090% | 1,625 |
| Net loans and leases to deposits | 90.4971% | 1,112 |
| Net loans and leases to core deposits | 97.3870% | 1,281 |
| Total domestic deposits to total assets | 78.0429% | 5,892 |
| Equity capital to assets | 15.6581% | 602 |
| Core capital (leverage) ratio | 11.6727% | 1,901 |
| Tier 1 risk-based capital ratio | 12.9023% | 5,191 |
| Total risk-based capital ratio | 14.4330% | 4,936 |
| Memoranda: | ||
| Average total assets | $101,896,799,000 | 19 |
| Average earning assets | $88,091,331,750 | 20 |
| Average equity | $17,088,105,250 | 17 |
| Average total loans | $72,376,814,250 | 15 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2695% | 6,135 |
| Cost of funding earning assets | 0.4585% | 4,332 |
| Net interest margin | 2.8110% | 5,983 |
| Noninterest income to average assets | 1.2532% | 991 |
| Noninterest expense to average assets | 9.5917% | 86 |
| Loan and lease loss provision to assets | 0.3700% | 883 |
| Net operating income to assets | -6.3634% | 6,927 |
| Return on assets (ROA) | -6.2820% | 6,927 |
| Pretax return on assets | -6.2092% | 6,928 |
| Return on Equity (ROE) | -36.6869% | 6,879 |
| Retained earnings to average equity (ytd only) | -37.5365% | 6,873 |
| Net charge-offs to loans | 0.6061% | 1,092 |
| Credit loss provision to net charge-offs | 86.6531% | 2,506 |
| Earnings coverage of net charge-offs (x) | -13.8661% | 4,870 |
| Efficiency ratio | 67.7159% | 4,232 |
| Assets per employee ($millions) | 6.4348% | 935 |
| Cash dividends to net income (ytd only)* | -2.3159% | 6,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 4,020 |
| Loan loss allowance to noncurrent loans | 67.3377% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 1.5633% | 2,769 |
| Noncurrent loans to loans | 2.0834% | 2,298 |
| Net loans and leases to total assets | 71.1729% | 1,698 |
| Net loans and leases to deposits | 92.2826% | 934 |
| Net loans and leases to core deposits | 95.0343% | 1,439 |
| Total domestic deposits to total assets | 76.4037% | 6,209 |
| Equity capital to assets | 15.3458% | 645 |
| Core capital (leverage) ratio | 10.9820% | 2,371 |
| Tier 1 risk-based capital ratio | 12.8645% | 5,248 |
| Total risk-based capital ratio | 14.4013% | 4,973 |
| Memoranda: | ||
| Average total assets | $103,101,425,000 | 19 |
| Average earning assets | $88,686,828,330 | 18 |
| Average equity | $17,654,408,330 | 17 |
| Average total loans | $72,634,518,670 | 15 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2753% | 6,194 |
| Cost of funding earning assets | 0.4649% | 4,429 |
| Net interest margin | 2.8104% | 6,010 |
| Noninterest income to average assets | 1.2120% | 1,036 |
| Noninterest expense to average assets | 2.4273% | 5,024 |
| Loan and lease loss provision to assets | 0.3297% | 1,020 |
| Net operating income to assets | 0.5489% | 4,461 |
| Return on assets (ROA) | 0.6117% | 4,323 |
| Pretax return on assets | 0.9376% | 3,623 |
| Return on Equity (ROE) | 3.4052% | 5,389 |
| Retained earnings to average equity (ytd only) | 3.4052% | 4,215 |
| Net charge-offs to loans | 0.5957% | 1,024 |
| Credit loss provision to net charge-offs | 79.4969% | 2,160 |
| Earnings coverage of net charge-offs (x) | 2.8222% | 2,931 |
| Efficiency ratio | 67.4600% | 4,419 |
| Assets per employee ($millions) | 6.8102% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 4,234 |
| Loan loss allowance to noncurrent loans | 66.2017% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 1.5212% | 2,974 |
| Noncurrent loans to loans | 2.1137% | 2,485 |
| Net loans and leases to total assets | 67.9273% | 2,024 |
| Net loans and leases to deposits | 89.8658% | 979 |
| Net loans and leases to core deposits | 96.6395% | 1,167 |
| Total domestic deposits to total assets | 74.0556% | 6,532 |
| Equity capital to assets | 18.0184% | 337 |
| Core capital (leverage) ratio | 11.3030% | 2,013 |
| Tier 1 risk-based capital ratio | 12.5714% | 5,539 |
| Total risk-based capital ratio | 14.1037% | 5,281 |
| Memoranda: | ||
| Average total assets | $104,969,377,500 | 19 |
| Average earning assets | $89,111,291,500 | 18 |
| Average equity | $18,857,398,500 | 15 |
| Average total loans | $73,087,982,500 | 15 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5148% | 6,345 |
| Cost of funding earning assets | 0.5485% | 4,831 |
| Net interest margin | 2.9662% | 6,105 |
| Noninterest income to average assets | 1.1669% | 1,152 |
| Noninterest expense to average assets | 2.5806% | 4,810 |
| Loan and lease loss provision to assets | 0.3575% | 1,868 |
| Net operating income to assets | 0.4589% | 4,843 |
| Return on assets (ROA) | 0.5266% | 4,839 |
| Pretax return on assets | 0.8427% | 4,144 |
| Return on Equity (ROE) | 3.0307% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.6252% | 4,387 |
| Net charge-offs to loans | 1.0746% | 992 |
| Credit loss provision to net charge-offs | 48.0644% | 4,737 |
| Earnings coverage of net charge-offs (x) | 1.4713% | 4,710 |
| Efficiency ratio | 70.2170% | 3,769 |
| Assets per employee ($millions) | 6.7672% | 868 |
| Cash dividends to net income (ytd only)* | 13.3825% | 3,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 4,158 |
| Loan loss allowance to noncurrent loans | 65.8481% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 3,018 |
| Noncurrent loans to loans | 2.1322% | 2,547 |
| Net loans and leases to total assets | 69.3786% | 1,962 |
| Net loans and leases to deposits | 90.5109% | 1,026 |
| Net loans and leases to core deposits | 97.5204% | 1,179 |
| Total domestic deposits to total assets | 75.8729% | 6,372 |
| Equity capital to assets | 17.9107% | 333 |
| Core capital (leverage) ratio | 10.9803% | 2,272 |
| Tier 1 risk-based capital ratio | 12.2216% | 5,644 |
| Total risk-based capital ratio | 13.7518% | 5,430 |
| Memoranda: | ||
| Average total assets | $106,423,216,200 | 19 |
| Average earning assets | $89,987,620,000 | 18 |
| Average equity | $18,491,658,600 | 16 |
| Average total loans | $73,668,780,000 | 15 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5622% | 6,437 |
| Cost of funding earning assets | 0.5652% | 4,957 |
| Net interest margin | 2.9970% | 6,176 |
| Noninterest income to average assets | 1.1643% | 1,125 |
| Noninterest expense to average assets | 2.5119% | 5,041 |
| Loan and lease loss provision to assets | 0.3644% | 1,785 |
| Net operating income to assets | 0.4926% | 4,873 |
| Return on assets (ROA) | 0.5808% | 4,750 |
| Pretax return on assets | 0.9614% | 3,865 |
| Return on Equity (ROE) | 3.3680% | 5,546 |
| Retained earnings to average equity (ytd only) | 3.3680% | 4,497 |
| Net charge-offs to loans | 1.1212% | 899 |
| Credit loss provision to net charge-offs | 47.1361% | 4,463 |
| Earnings coverage of net charge-offs (x) | 1.5367% | 4,512 |
| Efficiency ratio | 67.8901% | 4,088 |
| Assets per employee ($millions) | 6.9792% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 3,833 |
| Loan loss allowance to noncurrent loans | 73.9729% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 1.4950% | 3,351 |
| Noncurrent loans to loans | 2.0636% | 2,779 |
| Net loans and leases to total assets | 67.4771% | 2,371 |
| Net loans and leases to deposits | 91.4747% | 1,020 |
| Net loans and leases to core deposits | 99.6518% | 1,146 |
| Total domestic deposits to total assets | 72.3143% | 6,726 |
| Equity capital to assets | 17.4975% | 398 |
| Core capital (leverage) ratio | 10.7443% | 2,661 |
| Tier 1 risk-based capital ratio | 12.2261% | 5,820 |
| Total risk-based capital ratio | 13.7594% | 5,593 |
| Memoranda: | ||
| Average total assets | $106,823,021,750 | 19 |
| Average earning assets | $90,371,566,250 | 19 |
| Average equity | $18,420,883,750 | 16 |
| Average total loans | $73,645,717,500 | 15 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 6,464 |
| Cost of funding earning assets | 0.5952% | 4,943 |
| Net interest margin | 3.0195% | 6,200 |
| Noninterest income to average assets | 1.1741% | 1,036 |
| Noninterest expense to average assets | 2.5956% | 4,793 |
| Loan and lease loss provision to assets | 0.3503% | 1,877 |
| Net operating income to assets | 0.4486% | 5,043 |
| Return on assets (ROA) | 0.5544% | 4,841 |
| Pretax return on assets | 0.9456% | 3,899 |
| Return on Equity (ROE) | 3.2308% | 5,590 |
| Retained earnings to average equity (ytd only) | 3.2308% | 4,460 |
| Net charge-offs to loans | 1.0626% | 1,033 |
| Credit loss provision to net charge-offs | 47.7242% | 4,087 |
| Earnings coverage of net charge-offs (x) | 1.5404% | 4,221 |
| Efficiency ratio | 69.6528% | 3,825 |
| Assets per employee ($millions) | 6.9702% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6855% | 3,292 |
| Loan loss allowance to noncurrent loans | 91.9730% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3524% | 3,732 |
| Noncurrent loans to loans | 1.8326% | 3,175 |
| Net loans and leases to total assets | 67.8925% | 2,304 |
| Net loans and leases to deposits | 94.9194% | 702 |
| Net loans and leases to core deposits | 102.7411% | 940 |
| Total domestic deposits to total assets | 70.6300% | 6,876 |
| Equity capital to assets | 17.3331% | 403 |
| Core capital (leverage) ratio | 10.4399% | 2,869 |
| Tier 1 risk-based capital ratio | 11.8603% | 6,022 |
| Total risk-based capital ratio | 13.3927% | 5,814 |
| Memoranda: | ||
| Average total assets | $106,692,402,000 | 19 |
| Average earning assets | $90,179,127,330 | 19 |
| Average equity | $18,307,885,000 | 16 |
| Average total loans | $73,705,291,330 | 15 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6753% | 6,479 |
| Cost of funding earning assets | 0.6637% | 4,598 |
| Net interest margin | 3.0116% | 6,272 |
| Noninterest income to average assets | 1.2109% | 978 |
| Noninterest expense to average assets | 2.8663% | 3,761 |
| Loan and lease loss provision to assets | 0.2633% | 2,354 |
| Net operating income to assets | 0.3191% | 5,593 |
| Return on assets (ROA) | 0.3091% | 5,798 |
| Pretax return on assets | 0.6166% | 5,059 |
| Return on Equity (ROE) | 1.8103% | 6,131 |
| Retained earnings to average equity (ytd only) | 1.8103% | 5,340 |
| Net charge-offs to loans | 0.9745% | 1,066 |
| Credit loss provision to net charge-offs | 39.0997% | 3,464 |
| Earnings coverage of net charge-offs (x) | 1.3300% | 3,666 |
| Efficiency ratio | 76.1902% | 2,760 |
| Assets per employee ($millions) | 6.8152% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8191% | 2,928 |
| Loan loss allowance to noncurrent loans | 102.4995% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.3283% | 3,897 |
| Noncurrent loans to loans | 1.7747% | 3,446 |
| Net loans and leases to total assets | 68.0561% | 2,104 |
| Net loans and leases to deposits | 94.4229% | 632 |
| Net loans and leases to core deposits | 103.0380% | 807 |
| Total domestic deposits to total assets | 70.7127% | 6,948 |
| Equity capital to assets | 17.2102% | 400 |
| Core capital (leverage) ratio | 10.1897% | 3,121 |
| Tier 1 risk-based capital ratio | 11.7354% | 6,138 |
| Total risk-based capital ratio | 13.0799% | 6,048 |
| Memoranda: | ||
| Average total assets | $106,591,482,000 | 18 |
| Average earning assets | $90,285,972,500 | 19 |
| Average equity | $18,197,785,500 | 16 |
| Average total loans | $73,649,229,500 | 16 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 6,767 |
| Cost of funding earning assets | 0.8583% | 4,408 |
| Net interest margin | 2.9035% | 6,682 |
| Noninterest income to average assets | 1.1280% | 1,032 |
| Noninterest expense to average assets | 2.4073% | 5,754 |
| Loan and lease loss provision to assets | 0.7482% | 1,352 |
| Net operating income to assets | 0.2698% | 5,369 |
| Return on assets (ROA) | 0.3166% | 5,350 |
| Pretax return on assets | 0.5125% | 4,956 |
| Return on Equity (ROE) | 1.9589% | 5,674 |
| Retained earnings to average equity (ytd only) | 1.9589% | 4,815 |
| Net charge-offs to loans | 1.4217% | 1,147 |
| Credit loss provision to net charge-offs | 76.5722% | 4,617 |
| Earnings coverage of net charge-offs (x) | 1.2153% | 4,869 |
| Efficiency ratio | 66.4892% | 4,664 |
| Assets per employee ($millions) | 6.6913% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9672% | 2,381 |
| Loan loss allowance to noncurrent loans | 100.8954% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 1.4425% | 3,823 |
| Noncurrent loans to loans | 1.9497% | 3,273 |
| Net loans and leases to total assets | 67.5193% | 2,488 |
| Net loans and leases to deposits | 95.3962% | 718 |
| Net loans and leases to core deposits | 104.3025% | 884 |
| Total domestic deposits to total assets | 69.2514% | 7,022 |
| Equity capital to assets | 16.9356% | 452 |
| Core capital (leverage) ratio | 10.0651% | 3,263 |
| Tier 1 risk-based capital ratio | 11.6581% | 6,051 |
| Total risk-based capital ratio | 13.0134% | 5,969 |
| Memoranda: | ||
| Average total assets | $109,021,139,600 | 18 |
| Average earning assets | $92,625,851,800 | 18 |
| Average equity | $17,618,829,400 | 16 |
| Average total loans | $74,932,737,400 | 13 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 6,841 |
| Cost of funding earning assets | 0.8974% | 4,417 |
| Net interest margin | 2.9007% | 6,748 |
| Noninterest income to average assets | 1.1080% | 1,087 |
| Noninterest expense to average assets | 2.3349% | 5,948 |
| Loan and lease loss provision to assets | 0.7911% | 1,183 |
| Net operating income to assets | 0.2866% | 5,439 |
| Return on assets (ROA) | 0.3357% | 5,439 |
| Pretax return on assets | 0.5246% | 5,062 |
| Return on Equity (ROE) | 2.1015% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.1015% | 5,088 |
| Net charge-offs to loans | 1.3516% | 1,122 |
| Credit loss provision to net charge-offs | 85.1992% | 3,955 |
| Earnings coverage of net charge-offs (x) | 1.3343% | 4,615 |
| Efficiency ratio | 65.0124% | 4,896 |
| Assets per employee ($millions) | 6.7089% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1629% | 1,933 |
| Loan loss allowance to noncurrent loans | 104.3955% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.5259% | 3,815 |
| Noncurrent loans to loans | 2.0719% | 3,276 |
| Net loans and leases to total assets | 66.6774% | 2,748 |
| Net loans and leases to deposits | 93.8386% | 850 |
| Net loans and leases to core deposits | 101.2341% | 1,139 |
| Total domestic deposits to total assets | 70.4302% | 7,020 |
| Equity capital to assets | 16.8228% | 504 |
| Core capital (leverage) ratio | 9.8562% | 3,643 |
| Tier 1 risk-based capital ratio | 11.6830% | 6,119 |
| Total risk-based capital ratio | 13.0984% | 5,985 |
| Memoranda: | ||
| Average total assets | $109,541,276,750 | 17 |
| Average earning assets | $93,122,944,000 | 18 |
| Average equity | $17,495,770,750 | 16 |
| Average total loans | $75,252,318,500 | 13 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7730% | 6,946 |
| Cost of funding earning assets | 0.9645% | 4,215 |
| Net interest margin | 2.8085% | 6,915 |
| Noninterest income to average assets | 1.1449% | 982 |
| Noninterest expense to average assets | 2.3082% | 6,099 |
| Loan and lease loss provision to assets | 0.8004% | 1,151 |
| Net operating income to assets | 0.2701% | 5,482 |
| Return on assets (ROA) | 0.3214% | 5,416 |
| Pretax return on assets | 0.5071% | 5,045 |
| Return on Equity (ROE) | 2.0479% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.0479% | 4,955 |
| Net charge-offs to loans | 1.3234% | 1,157 |
| Credit loss provision to net charge-offs | 87.8171% | 3,521 |
| Earnings coverage of net charge-offs (x) | 1.3466% | 4,277 |
| Efficiency ratio | 64.9538% | 5,070 |
| Assets per employee ($millions) | 6.8672% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2267% | 1,865 |
| Loan loss allowance to noncurrent loans | 100.0116% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 3,770 |
| Noncurrent loans to loans | 2.2264% | 3,196 |
| Net loans and leases to total assets | 66.1676% | 2,997 |
| Net loans and leases to deposits | 96.5005% | 689 |
| Net loans and leases to core deposits | 104.0908% | 1,039 |
| Total domestic deposits to total assets | 68.0465% | 7,191 |
| Equity capital to assets | 16.4111% | 555 |
| Core capital (leverage) ratio | 9.8156% | 3,498 |
| Tier 1 risk-based capital ratio | 11.4615% | 6,193 |
| Total risk-based capital ratio | 12.8762% | 6,066 |
| Memoranda: | ||
| Average total assets | $110,200,309,330 | 18 |
| Average earning assets | $93,807,459,000 | 18 |
| Average equity | $17,295,910,330 | 17 |
| Average total loans | $75,900,916,000 | 14 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7688% | 6,989 |
| Cost of funding earning assets | 1.1103% | 3,455 |
| Net interest margin | 2.6585% | 7,063 |
| Noninterest income to average assets | 1.1475% | 991 |
| Noninterest expense to average assets | 2.2183% | 6,382 |
| Loan and lease loss provision to assets | 0.9243% | 858 |
| Net operating income to assets | 0.1765% | 5,866 |
| Return on assets (ROA) | 0.2393% | 5,716 |
| Pretax return on assets | 0.3662% | 5,450 |
| Return on Equity (ROE) | 1.5599% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.5599% | 5,178 |
| Net charge-offs to loans | 1.4276% | 958 |
| Credit loss provision to net charge-offs | 93.2037% | 2,875 |
| Earnings coverage of net charge-offs (x) | 1.2039% | 3,761 |
| Efficiency ratio | 64.6552% | 5,249 |
| Assets per employee ($millions) | 7.0753% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2139% | 1,927 |
| Loan loss allowance to noncurrent loans | 96.9395% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 1.6548% | 3,770 |
| Noncurrent loans to loans | 2.2838% | 3,216 |
| Net loans and leases to total assets | 66.6207% | 2,852 |
| Net loans and leases to deposits | 101.9808% | 379 |
| Net loans and leases to core deposits | 111.5852% | 670 |
| Total domestic deposits to total assets | 64.2484% | 7,364 |
| Equity capital to assets | 15.0137% | 764 |
| Core capital (leverage) ratio | 8.5908% | 5,278 |
| Tier 1 risk-based capital ratio | 10.5134% | 6,794 |
| Total risk-based capital ratio | 12.9042% | 5,966 |
| Memoranda: | ||
| Average total assets | $110,658,468,500 | 18 |
| Average earning assets | $94,264,600,000 | 18 |
| Average equity | $16,976,521,500 | 17 |
| Average total loans | $76,872,668,500 | 14 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 6,978 |
| Cost of funding earning assets | 1.2981% | 3,892 |
| Net interest margin | 2.8620% | 6,952 |
| Noninterest income to average assets | 0.8706% | 1,974 |
| Noninterest expense to average assets | 2.3997% | 6,089 |
| Loan and lease loss provision to assets | 1.2971% | 1,189 |
| Net operating income to assets | -0.2202% | 6,135 |
| Return on assets (ROA) | -0.0346% | 5,996 |
| Pretax return on assets | -0.1007% | 5,999 |
| Return on Equity (ROE) | -0.2341% | 5,989 |
| Retained earnings to average equity (ytd only) | -0.2341% | 5,653 |
| Net charge-offs to loans | 2.1081% | 936 |
| Credit loss provision to net charge-offs | 89.7228% | 5,142 |
| Earnings coverage of net charge-offs (x) | 0.6270% | 5,483 |
| Efficiency ratio | 71.4519% | 3,898 |
| Assets per employee ($millions) | 6.6279% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2639% | 1,750 |
| Loan loss allowance to noncurrent loans | 90.2457% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 1.8800% | 3,513 |
| Noncurrent loans to loans | 2.5086% | 3,020 |
| Net loans and leases to total assets | 69.2733% | 2,712 |
| Net loans and leases to deposits | 105.8380% | 328 |
| Net loans and leases to core deposits | 116.1844% | 634 |
| Total domestic deposits to total assets | 64.7389% | 7,424 |
| Equity capital to assets | 15.6861% | 646 |
| Core capital (leverage) ratio | 8.1314% | 5,941 |
| Tier 1 risk-based capital ratio | 10.2543% | 6,846 |
| Total risk-based capital ratio | 12.6707% | 5,972 |
| Memoranda: | ||
| Average total assets | $113,205,073,800 | 18 |
| Average earning assets | $96,337,477,200 | 18 |
| Average equity | $16,734,172,000 | 16 |
| Average total loans | $77,629,414,800 | 14 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 7,045 |
| Cost of funding earning assets | 1.3224% | 4,092 |
| Net interest margin | 2.9119% | 6,991 |
| Noninterest income to average assets | 0.7359% | 2,605 |
| Noninterest expense to average assets | 2.3260% | 6,247 |
| Loan and lease loss provision to assets | 1.3730% | 987 |
| Net operating income to assets | -0.3080% | 6,433 |
| Return on assets (ROA) | -0.0758% | 6,249 |
| Pretax return on assets | -0.1197% | 6,243 |
| Return on Equity (ROE) | -0.5203% | 6,221 |
| Retained earnings to average equity (ytd only) | -0.5203% | 5,925 |
| Net charge-offs to loans | 2.1807% | 835 |
| Credit loss provision to net charge-offs | 92.5490% | 4,671 |
| Earnings coverage of net charge-offs (x) | 0.6003% | 5,427 |
| Efficiency ratio | 70.9309% | 3,894 |
| Assets per employee ($millions) | 7.0427% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3256% | 1,581 |
| Loan loss allowance to noncurrent loans | 97.5006% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.6782% | 3,932 |
| Noncurrent loans to loans | 2.3852% | 3,250 |
| Net loans and leases to total assets | 66.1762% | 3,647 |
| Net loans and leases to deposits | 103.0308% | 481 |
| Net loans and leases to core deposits | 112.3888% | 913 |
| Total domestic deposits to total assets | 63.8023% | 7,523 |
| Equity capital to assets | 14.6881% | 972 |
| Core capital (leverage) ratio | 7.9949% | 6,351 |
| Tier 1 risk-based capital ratio | 10.1730% | 6,969 |
| Total risk-based capital ratio | 12.6331% | 6,015 |
| Memoranda: | ||
| Average total assets | $114,547,418,000 | 18 |
| Average earning assets | $97,585,527,500 | 18 |
| Average equity | $16,688,900,000 | 16 |
| Average total loans | $77,928,852,000 | 14 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 7,041 |
| Cost of funding earning assets | 1.4279% | 3,690 |
| Net interest margin | 2.8800% | 7,030 |
| Noninterest income to average assets | 1.1148% | 1,056 |
| Noninterest expense to average assets | 2.3309% | 6,274 |
| Loan and lease loss provision to assets | 1.5050% | 882 |
| Net operating income to assets | -0.1702% | 6,317 |
| Return on assets (ROA) | -0.1179% | 6,326 |
| Pretax return on assets | -0.1848% | 6,323 |
| Return on Equity (ROE) | -0.8113% | 6,296 |
| Retained earnings to average equity (ytd only) | -0.8113% | 5,925 |
| Net charge-offs to loans | 2.4806% | 700 |
| Credit loss provision to net charge-offs | 89.0537% | 4,451 |
| Earnings coverage of net charge-offs (x) | 0.7328% | 5,015 |
| Efficiency ratio | 63.9457% | 5,348 |
| Assets per employee ($millions) | 6.8684% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3515% | 1,509 |
| Loan loss allowance to noncurrent loans | 95.2639% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 1.7337% | 3,848 |
| Noncurrent loans to loans | 2.4684% | 3,178 |
| Net loans and leases to total assets | 66.2761% | 3,773 |
| Net loans and leases to deposits | 103.7342% | 495 |
| Net loans and leases to core deposits | 112.4015% | 1,010 |
| Total domestic deposits to total assets | 63.4705% | 7,599 |
| Equity capital to assets | 14.8501% | 914 |
| Core capital (leverage) ratio | 7.6969% | 6,613 |
| Tier 1 risk-based capital ratio | 10.0561% | 6,991 |
| Total risk-based capital ratio | 12.5037% | 5,979 |
| Memoranda: | ||
| Average total assets | $114,575,007,670 | 18 |
| Average earning assets | $97,648,014,330 | 18 |
| Average equity | $16,647,637,330 | 15 |
| Average total loans | $78,054,511,330 | 14 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 7,128 |
| Cost of funding earning assets | 1.4626% | 3,793 |
| Net interest margin | 2.8417% | 7,115 |
| Noninterest income to average assets | 1.1107% | 1,022 |
| Noninterest expense to average assets | 2.2985% | 6,380 |
| Loan and lease loss provision to assets | 1.6572% | 694 |
| Net operating income to assets | -0.2756% | 6,636 |
| Return on assets (ROA) | -0.2132% | 6,626 |
| Pretax return on assets | -0.3242% | 6,661 |
| Return on Equity (ROE) | -1.4833% | 6,575 |
| Retained earnings to average equity (ytd only) | -1.4833% | 6,120 |
| Net charge-offs to loans | 2.4511% | 673 |
| Credit loss provision to net charge-offs | 99.0636% | 3,471 |
| Earnings coverage of net charge-offs (x) | 0.7403% | 4,367 |
| Efficiency ratio | 63.6198% | 5,562 |
| Assets per employee ($millions) | 6.9876% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4325% | 1,387 |
| Loan loss allowance to noncurrent loans | 103.4641% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.6452% | 4,014 |
| Noncurrent loans to loans | 2.3511% | 3,328 |
| Net loans and leases to total assets | 66.3512% | 3,778 |
| Net loans and leases to deposits | 105.2415% | 464 |
| Net loans and leases to core deposits | 112.4275% | 1,136 |
| Total domestic deposits to total assets | 62.6450% | 7,705 |
| Equity capital to assets | 14.5554% | 985 |
| Core capital (leverage) ratio | 7.6072% | 6,729 |
| Tier 1 risk-based capital ratio | 9.8903% | 7,099 |
| Total risk-based capital ratio | 12.4364% | 5,930 |
| Memoranda: | ||
| Average total assets | $115,706,622,000 | 18 |
| Average earning assets | $98,786,919,000 | 16 |
| Average equity | $16,632,270,000 | 15 |
| Average total loans | $78,967,543,000 | 13 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 7,259 |
| Cost of funding earning assets | 1.7934% | 4,020 |
| Net interest margin | 2.8270% | 7,013 |
| Noninterest income to average assets | 1.0475% | 1,416 |
| Noninterest expense to average assets | 2.1752% | 7,044 |
| Loan and lease loss provision to assets | 1.9966% | 1,089 |
| Net operating income to assets | -0.4922% | 6,169 |
| Return on assets (ROA) | -0.4824% | 6,152 |
| Pretax return on assets | -0.7166% | 6,207 |
| Return on Equity (ROE) | -3.6660% | 6,073 |
| Retained earnings to average equity (ytd only) | -3.6660% | 5,814 |
| Net charge-offs to loans | 2.3910% | 956 |
| Credit loss provision to net charge-offs | 120.0921% | 4,454 |
| Earnings coverage of net charge-offs (x) | 0.7611% | 5,341 |
| Efficiency ratio | 61.0454% | 6,324 |
| Assets per employee ($millions) | 7.1194% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3709% | 1,386 |
| Loan loss allowance to noncurrent loans | 101.7757% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.6401% | 3,914 |
| Noncurrent loans to loans | 2.3296% | 3,256 |
| Net loans and leases to total assets | 66.8619% | 3,961 |
| Net loans and leases to deposits | 106.5250% | 523 |
| Net loans and leases to core deposits | 118.9490% | 2,040 |
| Total domestic deposits to total assets | 62.2366% | 7,751 |
| Equity capital to assets | 14.1974% | 1,105 |
| Core capital (leverage) ratio | 7.4323% | 6,852 |
| Tier 1 risk-based capital ratio | 9.7222% | 7,083 |
| Total risk-based capital ratio | 12.2361% | 5,900 |
| Memoranda: | ||
| Average total assets | $124,455,044,600 | 17 |
| Average earning assets | $105,357,040,200 | 15 |
| Average equity | $16,377,756,800 | 14 |
| Average total loans | $86,539,304,200 | 12 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 7,318 |
| Cost of funding earning assets | 1.8579% | 4,110 |
| Net interest margin | 2.8195% | 7,023 |
| Noninterest income to average assets | 1.0338% | 1,484 |
| Noninterest expense to average assets | 2.0895% | 7,215 |
| Loan and lease loss provision to assets | 2.0532% | 870 |
| Net operating income to assets | -0.4674% | 6,395 |
| Return on assets (ROA) | -0.4529% | 6,382 |
| Pretax return on assets | -0.7041% | 6,487 |
| Return on Equity (ROE) | -3.5053% | 6,298 |
| Retained earnings to average equity (ytd only) | -3.5053% | 6,034 |
| Net charge-offs to loans | 2.1381% | 904 |
| Credit loss provision to net charge-offs | 137.6232% | 3,596 |
| Earnings coverage of net charge-offs (x) | 0.8890% | 5,170 |
| Efficiency ratio | 58.8455% | 6,582 |
| Assets per employee ($millions) | 7.2921% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4180% | 1,149 |
| Loan loss allowance to noncurrent loans | 120.4390% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 1.4504% | 4,210 |
| Noncurrent loans to loans | 2.0077% | 3,632 |
| Net loans and leases to total assets | 68.3888% | 3,866 |
| Net loans and leases to deposits | 108.9282% | 503 |
| Net loans and leases to core deposits | 124.8467% | 1,833 |
| Total domestic deposits to total assets | 62.3889% | 7,813 |
| Equity capital to assets | 13.9801% | 1,308 |
| Core capital (leverage) ratio | 7.3892% | 7,088 |
| Tier 1 risk-based capital ratio | 9.4934% | 7,380 |
| Total risk-based capital ratio | 11.9969% | 6,174 |
| Memoranda: | ||
| Average total assets | $126,338,527,000 | 18 |
| Average earning assets | $106,738,129,750 | 16 |
| Average equity | $16,322,260,750 | 13 |
| Average total loans | $88,155,578,250 | 12 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7545% | 7,303 |
| Cost of funding earning assets | 1.9273% | 4,122 |
| Net interest margin | 2.8272% | 6,960 |
| Noninterest income to average assets | 1.0306% | 1,496 |
| Noninterest expense to average assets | 2.1093% | 7,256 |
| Loan and lease loss provision to assets | 1.9735% | 821 |
| Net operating income to assets | -0.4350% | 6,485 |
| Return on assets (ROA) | -0.4095% | 6,466 |
| Pretax return on assets | -0.6357% | 6,554 |
| Return on Equity (ROE) | -3.2521% | 6,397 |
| Retained earnings to average equity (ytd only) | -3.2521% | 6,012 |
| Net charge-offs to loans | 2.0851% | 886 |
| Credit loss provision to net charge-offs | 135.8270% | 3,432 |
| Earnings coverage of net charge-offs (x) | 0.8934% | 4,862 |
| Efficiency ratio | 59.5217% | 6,617 |
| Assets per employee ($millions) | 7.4963% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1016% | 1,392 |
| Loan loss allowance to noncurrent loans | 120.1160% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2854% | 4,368 |
| Noncurrent loans to loans | 1.7497% | 3,885 |
| Net loans and leases to total assets | 69.4639% | 3,829 |
| Net loans and leases to deposits | 108.0204% | 651 |
| Net loans and leases to core deposits | 125.5740% | 1,912 |
| Total domestic deposits to total assets | 63.9618% | 7,831 |
| Equity capital to assets | 13.5694% | 1,473 |
| Core capital (leverage) ratio | 7.0204% | 7,521 |
| Tier 1 risk-based capital ratio | 9.2995% | 7,535 |
| Total risk-based capital ratio | 11.7647% | 6,312 |
| Memoranda: | ||
| Average total assets | $128,823,694,000 | 17 |
| Average earning assets | $108,297,571,330 | 16 |
| Average equity | $16,223,010,670 | 13 |
| Average total loans | $89,768,333,670 | 12 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 7,318 |
| Cost of funding earning assets | 1.9418% | 4,420 |
| Net interest margin | 2.8914% | 6,765 |
| Noninterest income to average assets | 0.8618% | 2,025 |
| Noninterest expense to average assets | 1.9360% | 7,478 |
| Loan and lease loss provision to assets | 1.8410% | 667 |
| Net operating income to assets | -0.3279% | 6,716 |
| Return on assets (ROA) | -0.2983% | 6,753 |
| Pretax return on assets | -0.4621% | 6,794 |
| Return on Equity (ROE) | -2.4562% | 6,720 |
| Retained earnings to average equity (ytd only) | -2.4562% | 6,186 |
| Net charge-offs to loans | 1.8476% | 785 |
| Credit loss provision to net charge-offs | 144.2138% | 2,853 |
| Earnings coverage of net charge-offs (x) | 1.0444% | 4,241 |
| Efficiency ratio | 56.7775% | 6,858 |
| Assets per employee ($millions) | 8.2196% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 1,754 |
| Loan loss allowance to noncurrent loans | 127.9000% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 4,696 |
| Noncurrent loans to loans | 1.4414% | 4,137 |
| Net loans and leases to total assets | 65.9286% | 4,605 |
| Net loans and leases to deposits | 119.9955% | 287 |
| Net loans and leases to core deposits | 144.1302% | 927 |
| Total domestic deposits to total assets | 54.6615% | 8,063 |
| Equity capital to assets | 12.1035% | 2,196 |
| Core capital (leverage) ratio | 6.8942% | 7,699 |
| Tier 1 risk-based capital ratio | 9.1209% | 7,725 |
| Total risk-based capital ratio | 11.6233% | 6,437 |
| Memoranda: | ||
| Average total assets | $132,275,929,000 | 17 |
| Average earning assets | $110,139,752,000 | 16 |
| Average equity | $16,062,685,500 | 13 |
| Average total loans | $91,398,509,500 | 12 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5965% | 7,078 |
| Cost of funding earning assets | 2.5724% | 3,835 |
| Net interest margin | 3.0241% | 6,847 |
| Noninterest income to average assets | 1.1106% | 1,269 |
| Noninterest expense to average assets | 2.8945% | 4,464 |
| Loan and lease loss provision to assets | 1.2934% | 1,101 |
| Net operating income to assets | -0.6415% | 7,034 |
| Return on assets (ROA) | -0.5815% | 6,875 |
| Pretax return on assets | -0.4290% | 6,576 |
| Return on Equity (ROE) | -4.3639% | 6,791 |
| Retained earnings to average equity (ytd only) | -4.3639% | 6,393 |
| Net charge-offs to loans | 1.1240% | 1,076 |
| Credit loss provision to net charge-offs | 162.7536% | 3,173 |
| Earnings coverage of net charge-offs (x) | 1.0122% | 5,619 |
| Efficiency ratio | 50.0488% | 7,662 |
| Assets per employee ($millions) | 7.5823% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 2,213 |
| Loan loss allowance to noncurrent loans | 151.4532% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7869% | 4,881 |
| Noncurrent loans to loans | 1.0614% | 4,451 |
| Net loans and leases to total assets | 69.9598% | 4,023 |
| Net loans and leases to deposits | 122.9562% | 323 |
| Net loans and leases to core deposits | 147.7248% | 949 |
| Total domestic deposits to total assets | 55.0764% | 8,071 |
| Equity capital to assets | 12.1847% | 2,169 |
| Core capital (leverage) ratio | 6.5599% | 7,911 |
| Tier 1 risk-based capital ratio | 8.7220% | 7,939 |
| Total risk-based capital ratio | 10.4760% | 7,539 |
| Memoranda: | ||
| Average total assets | $130,813,931,600 | 17 |
| Average earning assets | $111,958,320,800 | 15 |
| Average equity | $17,431,779,800 | 12 |
| Average total loans | $92,488,164,800 | 12 |