Home > Citizens Bank of Pennsylvania > Performance and Condition Ratios
Citizens Bank of Pennsylvania, Performance and Condition Ratios
| 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 | 3.5565% | 4,852 |
| Cost of funding earning assets | 0.6939% | 2,125 |
| Net interest margin | 2.8625% | 4,961 |
| Noninterest income to average assets | 0.7856% | 1,496 |
| Noninterest expense to average assets | 1.9592% | 4,809 |
| Loan and lease loss provision to assets | -0.0328% | 5,155 |
| Net operating income to assets | 1.0418% | 2,838 |
| Return on assets (ROA) | 1.0602% | 2,744 |
| Pretax return on assets | 1.4500% | 1,955 |
| Return on Equity (ROE) | 10.1881% | 2,447 |
| Retained earnings to average equity (ytd only) | -0.5896% | 5,049 |
| Net charge-offs to loans | 0.1639% | 1,176 |
| Credit loss provision to net charge-offs | -38.2105% | 4,314 |
| Earnings coverage of net charge-offs (x) | 16.2521% | 2,261 |
| Efficiency ratio | 58.4287% | 4,091 |
| Assets per employee ($millions) | 12.2092% | 189 |
| Cash dividends to net income (ytd only)* | 105.7872% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 3,584 |
| Loan loss allowance to noncurrent loans | 136.8770% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 2,909 |
| Noncurrent loans to loans | 0.7422% | 2,142 |
| Net loans and leases to total assets | 52.6046% | 4,380 |
| Net loans and leases to deposits | 59.9964% | 4,478 |
| Net loans and leases to core deposits | 64.4455% | 4,435 |
| Total domestic deposits to total assets | 87.6795% | 1,456 |
| Equity capital to assets | 10.9369% | 2,750 |
| Core capital (leverage) ratio | 9.0441% | 4,610 |
| Tier 1 risk-based capital ratio | 13.2027% | 3,724 |
| Total risk-based capital ratio | 14.0745% | 3,836 |
| Memoranda: | ||
| Average total assets | $35,220,245,000 | 53 |
| Average earning assets | $31,591,751,400 | 54 |
| Average equity | $3,664,988,400 | 62 |
| Average total loans | $18,435,021,200 | 66 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4581% | 4,970 |
| Cost of funding earning assets | 0.6610% | 2,088 |
| Net interest margin | 2.7971% | 5,092 |
| Noninterest income to average assets | 0.7559% | 1,648 |
| Noninterest expense to average assets | 1.9412% | 4,834 |
| Loan and lease loss provision to assets | -0.0085% | 5,210 |
| Net operating income to assets | 0.9895% | 3,131 |
| Return on assets (ROA) | 1.0058% | 3,071 |
| Pretax return on assets | 1.3639% | 2,363 |
| Return on Equity (ROE) | 9.7841% | 2,712 |
| Retained earnings to average equity (ytd only) | -1.7040% | 5,176 |
| Net charge-offs to loans | 0.1825% | 919 |
| Credit loss provision to net charge-offs | -8.9341% | 4,081 |
| Earnings coverage of net charge-offs (x) | 14.0247% | 2,313 |
| Efficiency ratio | 59.2562% | 3,924 |
| Assets per employee ($millions) | 12.6287% | 170 |
| Cash dividends to net income (ytd only)* | 117.4164% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,344 |
| Loan loss allowance to noncurrent loans | 134.9168% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 2,965 |
| Noncurrent loans to loans | 0.7943% | 2,120 |
| Net loans and leases to total assets | 51.4590% | 4,504 |
| Net loans and leases to deposits | 59.4728% | 4,580 |
| Net loans and leases to core deposits | 65.6919% | 4,421 |
| Total domestic deposits to total assets | 86.4600% | 1,987 |
| Equity capital to assets | 10.1372% | 3,502 |
| Core capital (leverage) ratio | 8.7467% | 4,925 |
| Tier 1 risk-based capital ratio | 12.9598% | 3,933 |
| Total risk-based capital ratio | 13.8886% | 4,021 |
| Memoranda: | ||
| Average total assets | $35,564,328,250 | 53 |
| Average earning assets | $32,041,902,750 | 53 |
| Average equity | $3,655,870,750 | 62 |
| Average total loans | $18,547,232,500 | 65 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3731% | 5,067 |
| Cost of funding earning assets | 0.6163% | 2,127 |
| Net interest margin | 2.7568% | 5,170 |
| Noninterest income to average assets | 0.7334% | 1,722 |
| Noninterest expense to average assets | 1.9337% | 4,912 |
| Loan and lease loss provision to assets | -0.0402% | 5,365 |
| Net operating income to assets | 0.9886% | 3,072 |
| Return on assets (ROA) | 1.0065% | 2,987 |
| Pretax return on assets | 1.3569% | 2,300 |
| Return on Equity (ROE) | 9.7468% | 2,688 |
| Retained earnings to average equity (ytd only) | -3.0202% | 5,210 |
| Net charge-offs to loans | 0.1293% | 1,143 |
| Credit loss provision to net charge-offs | -59.5978% | 4,029 |
| Earnings coverage of net charge-offs (x) | 19.1661% | 1,860 |
| Efficiency ratio | 59.9101% | 3,951 |
| Assets per employee ($millions) | 12.6085% | 166 |
| Cash dividends to net income (ytd only)* | 130.9864% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 3,218 |
| Loan loss allowance to noncurrent loans | 149.1232% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 3,120 |
| Noncurrent loans to loans | 0.7424% | 2,248 |
| Net loans and leases to total assets | 51.5170% | 4,506 |
| Net loans and leases to deposits | 57.8827% | 4,649 |
| Net loans and leases to core deposits | 65.3731% | 4,404 |
| Total domestic deposits to total assets | 88.9650% | 948 |
| Equity capital to assets | 10.1536% | 3,486 |
| Core capital (leverage) ratio | 8.5293% | 5,086 |
| Tier 1 risk-based capital ratio | 12.7801% | 4,017 |
| Total risk-based capital ratio | 13.7319% | 4,089 |
| Memoranda: | ||
| Average total assets | $35,649,183,670 | 53 |
| Average earning assets | $32,254,142,000 | 52 |
| Average equity | $3,681,359,670 | 61 |
| Average total loans | $18,607,356,670 | 65 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3030% | 5,136 |
| Cost of funding earning assets | 0.5469% | 2,429 |
| Net interest margin | 2.7562% | 5,202 |
| Noninterest income to average assets | 0.6798% | 1,911 |
| Noninterest expense to average assets | 1.9420% | 4,954 |
| Loan and lease loss provision to assets | -0.0286% | 5,438 |
| Net operating income to assets | 0.9170% | 3,222 |
| Return on assets (ROA) | 0.9394% | 3,128 |
| Pretax return on assets | 1.2741% | 2,462 |
| Return on Equity (ROE) | 9.0210% | 2,901 |
| Retained earnings to average equity (ytd only) | -8.2064% | 5,314 |
| Net charge-offs to loans | 0.1403% | 973 |
| Credit loss provision to net charge-offs | -39.0520% | 3,608 |
| Earnings coverage of net charge-offs (x) | 16.6000% | 1,615 |
| Efficiency ratio | 61.4714% | 3,878 |
| Assets per employee ($millions) | 12.4154% | 180 |
| Cash dividends to net income (ytd only)* | 190.9695% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 2,985 |
| Loan loss allowance to noncurrent loans | 159.5629% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 3,237 |
| Noncurrent loans to loans | 0.7319% | 2,380 |
| Net loans and leases to total assets | 51.0822% | 4,495 |
| Net loans and leases to deposits | 57.5637% | 4,609 |
| Net loans and leases to core deposits | 64.3389% | 4,404 |
| Total domestic deposits to total assets | 88.6593% | 1,276 |
| Equity capital to assets | 10.1488% | 3,453 |
| Core capital (leverage) ratio | 8.6388% | 5,036 |
| Tier 1 risk-based capital ratio | 12.6740% | 4,128 |
| Total risk-based capital ratio | 13.6544% | 4,198 |
| Memoranda: | ||
| Average total assets | $35,676,895,000 | 53 |
| Average earning assets | $32,094,174,000 | 53 |
| Average equity | $3,715,022,500 | 60 |
| Average total loans | $18,639,972,500 | 66 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1904% | 5,200 |
| Cost of funding earning assets | 0.4575% | 2,702 |
| Net interest margin | 2.7329% | 5,246 |
| Noninterest income to average assets | 0.7568% | 1,749 |
| Noninterest expense to average assets | 1.9455% | 5,059 |
| Loan and lease loss provision to assets | 0.1223% | 1,871 |
| Net operating income to assets | 0.9000% | 2,707 |
| Return on assets (ROA) | 0.9084% | 2,691 |
| Pretax return on assets | 1.1149% | 3,123 |
| Return on Equity (ROE) | 8.7277% | 2,438 |
| Retained earnings to average equity (ytd only) | 1.1522% | 4,566 |
| Net charge-offs to loans | 0.2264% | 1,145 |
| Credit loss provision to net charge-offs | 99.1701% | 2,620 |
| Earnings coverage of net charge-offs (x) | 9.9472% | 2,729 |
| Efficiency ratio | 61.2741% | 4,058 |
| Assets per employee ($millions) | 12.5033% | 163 |
| Cash dividends to net income (ytd only)* | 86.7982% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 2,830 |
| Loan loss allowance to noncurrent loans | 141.2721% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 3,008 |
| Noncurrent loans to loans | 0.8435% | 2,109 |
| Net loans and leases to total assets | 52.1783% | 4,508 |
| Net loans and leases to deposits | 59.0300% | 4,642 |
| Net loans and leases to core deposits | 65.5234% | 4,440 |
| Total domestic deposits to total assets | 88.0299% | 1,483 |
| Equity capital to assets | 10.6772% | 2,966 |
| Core capital (leverage) ratio | 8.7437% | 4,909 |
| Tier 1 risk-based capital ratio | 12.8690% | 3,992 |
| Total risk-based capital ratio | 13.8784% | 4,020 |
| Memoranda: | ||
| Average total assets | $36,147,430,800 | 51 |
| Average earning assets | $31,949,625,600 | 51 |
| Average equity | $3,762,143,600 | 53 |
| Average total loans | $19,694,417,800 | 57 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1681% | 5,269 |
| Cost of funding earning assets | 0.4411% | 2,798 |
| Net interest margin | 2.7269% | 5,299 |
| Noninterest income to average assets | 0.7512% | 1,778 |
| Noninterest expense to average assets | 1.9339% | 5,083 |
| Loan and lease loss provision to assets | 0.1281% | 1,692 |
| Net operating income to assets | 0.6875% | 4,039 |
| Return on assets (ROA) | 0.6944% | 4,079 |
| Pretax return on assets | 1.0968% | 3,313 |
| Return on Equity (ROE) | 6.7150% | 3,804 |
| Retained earnings to average equity (ytd only) | -1.2838% | 5,375 |
| Net charge-offs to loans | 0.2558% | 847 |
| Credit loss provision to net charge-offs | 91.2149% | 2,444 |
| Earnings coverage of net charge-offs (x) | 8.6444% | 2,754 |
| Efficiency ratio | 61.3640% | 3,983 |
| Assets per employee ($millions) | 12.3878% | 163 |
| Cash dividends to net income (ytd only)* | 119.1182% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 3,171 |
| Loan loss allowance to noncurrent loans | 113.3704% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.5699% | 2,816 |
| Noncurrent loans to loans | 1.0192% | 1,906 |
| Net loans and leases to total assets | 53.1257% | 4,484 |
| Net loans and leases to deposits | 61.6418% | 4,547 |
| Net loans and leases to core deposits | 68.6829% | 4,318 |
| Total domestic deposits to total assets | 85.8859% | 2,354 |
| Equity capital to assets | 10.5550% | 3,305 |
| Core capital (leverage) ratio | 8.8114% | 4,951 |
| Tier 1 risk-based capital ratio | 12.8997% | 4,081 |
| Total risk-based capital ratio | 13.9040% | 4,123 |
| Memoranda: | ||
| Average total assets | $36,266,295,000 | 50 |
| Average earning assets | $31,875,131,000 | 51 |
| Average equity | $3,750,486,500 | 52 |
| Average total loans | $19,908,642,500 | 56 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0799% | 5,366 |
| Cost of funding earning assets | 0.4160% | 2,923 |
| Net interest margin | 2.6639% | 5,397 |
| Noninterest income to average assets | 0.7497% | 1,775 |
| Noninterest expense to average assets | 1.9010% | 5,183 |
| Loan and lease loss provision to assets | 0.1683% | 1,168 |
| Net operating income to assets | 0.6513% | 4,073 |
| Return on assets (ROA) | 0.6565% | 4,107 |
| Pretax return on assets | 1.0331% | 3,435 |
| Return on Equity (ROE) | 6.3910% | 3,874 |
| Retained earnings to average equity (ytd only) | -2.6857% | 5,399 |
| Net charge-offs to loans | 0.3248% | 626 |
| Credit loss provision to net charge-offs | 93.7792% | 2,101 |
| Earnings coverage of net charge-offs (x) | 6.6485% | 2,682 |
| Efficiency ratio | 61.3273% | 4,118 |
| Assets per employee ($millions) | 12.3628% | 162 |
| Cash dividends to net income (ytd only)* | 142.0229% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 3,467 |
| Loan loss allowance to noncurrent loans | 110.9902% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 2,829 |
| Noncurrent loans to loans | 1.0086% | 1,944 |
| Net loans and leases to total assets | 55.1827% | 4,295 |
| Net loans and leases to deposits | 65.0616% | 4,298 |
| Net loans and leases to core deposits | 72.1919% | 4,080 |
| Total domestic deposits to total assets | 84.6134% | 2,975 |
| Equity capital to assets | 10.5088% | 3,326 |
| Core capital (leverage) ratio | 8.6801% | 5,059 |
| Tier 1 risk-based capital ratio | 12.5646% | 4,263 |
| Total risk-based capital ratio | 13.5322% | 4,324 |
| Memoranda: | ||
| Average total assets | $36,466,891,000 | 50 |
| Average earning assets | $32,097,458,000 | 51 |
| Average equity | $3,745,856,000 | 50 |
| Average total loans | $20,155,357,000 | 54 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0013% | 5,455 |
| Cost of funding earning assets | 0.3991% | 3,004 |
| Net interest margin | 2.6022% | 5,466 |
| Noninterest income to average assets | 0.7170% | 1,883 |
| Noninterest expense to average assets | 1.8309% | 5,335 |
| Loan and lease loss provision to assets | 0.1879% | 896 |
| Net operating income to assets | 0.6160% | 4,088 |
| Return on assets (ROA) | 0.6306% | 4,061 |
| Pretax return on assets | 1.0080% | 3,333 |
| Return on Equity (ROE) | 6.2081% | 3,806 |
| Retained earnings to average equity (ytd only) | -6.6100% | 5,474 |
| Net charge-offs to loans | 0.4601% | 403 |
| Credit loss provision to net charge-offs | 74.2433% | 1,794 |
| Earnings coverage of net charge-offs (x) | 4.6350% | 2,364 |
| Efficiency ratio | 60.7336% | 4,358 |
| Assets per employee ($millions) | 12.7501% | 146 |
| Cash dividends to net income (ytd only)* | 206.4729% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 3,792 |
| Loan loss allowance to noncurrent loans | 104.0984% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 2,865 |
| Noncurrent loans to loans | 1.0423% | 1,972 |
| Net loans and leases to total assets | 54.3126% | 4,315 |
| Net loans and leases to deposits | 65.9134% | 4,178 |
| Net loans and leases to core deposits | 73.6697% | 3,863 |
| Total domestic deposits to total assets | 82.2837% | 4,087 |
| Equity capital to assets | 10.1100% | 3,609 |
| Core capital (leverage) ratio | 8.4457% | 5,268 |
| Tier 1 risk-based capital ratio | 12.3645% | 4,471 |
| Total risk-based capital ratio | 13.3040% | 4,574 |
| Memoranda: | ||
| Average total assets | $36,866,941,000 | 50 |
| Average earning assets | $32,402,089,500 | 51 |
| Average equity | $3,744,705,000 | 49 |
| Average total loans | $20,280,682,500 | 52 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9186% | 5,565 |
| Cost of funding earning assets | 0.3557% | 3,457 |
| Net interest margin | 2.5629% | 5,547 |
| Noninterest income to average assets | 0.7566% | 1,934 |
| Noninterest expense to average assets | 1.9408% | 5,306 |
| Loan and lease loss provision to assets | 0.2402% | 884 |
| Net operating income to assets | 0.5272% | 4,522 |
| Return on assets (ROA) | 0.5421% | 4,562 |
| Pretax return on assets | 0.8230% | 4,119 |
| Return on Equity (ROE) | 5.0809% | 4,391 |
| Retained earnings to average equity (ytd only) | 0.9256% | 4,951 |
| Net charge-offs to loans | 0.4221% | 617 |
| Credit loss provision to net charge-offs | 95.6325% | 2,685 |
| Earnings coverage of net charge-offs (x) | 4.1427% | 3,546 |
| Efficiency ratio | 64.8746% | 3,783 |
| Assets per employee ($millions) | 12.5683% | 145 |
| Cash dividends to net income (ytd only)* | 81.7833% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,695 |
| Loan loss allowance to noncurrent loans | 104.4017% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6010% | 2,926 |
| Noncurrent loans to loans | 1.0562% | 1,966 |
| Net loans and leases to total assets | 54.5041% | 4,395 |
| Net loans and leases to deposits | 66.8083% | 4,186 |
| Net loans and leases to core deposits | 73.0540% | 4,005 |
| Total domestic deposits to total assets | 81.4824% | 4,212 |
| Equity capital to assets | 10.2043% | 3,487 |
| Core capital (leverage) ratio | 8.8256% | 4,935 |
| Tier 1 risk-based capital ratio | 12.6667% | 4,283 |
| Total risk-based capital ratio | 13.6442% | 4,333 |
| Memoranda: | ||
| Average total assets | $36,087,603,400 | 50 |
| Average earning assets | $31,327,046,000 | 50 |
| Average equity | $3,850,441,800 | 48 |
| Average total loans | $21,474,730,200 | 50 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9472% | 5,610 |
| Cost of funding earning assets | 0.3574% | 3,462 |
| Net interest margin | 2.5899% | 5,594 |
| Noninterest income to average assets | 0.7881% | 1,813 |
| Noninterest expense to average assets | 1.9716% | 5,261 |
| Loan and lease loss provision to assets | 0.2473% | 769 |
| Net operating income to assets | 0.5344% | 4,556 |
| Return on assets (ROA) | 0.5567% | 4,578 |
| Pretax return on assets | 0.8506% | 4,154 |
| Return on Equity (ROE) | 5.1592% | 4,449 |
| Retained earnings to average equity (ytd only) | 1.1963% | 5,031 |
| Net charge-offs to loans | 0.4043% | 531 |
| Credit loss provision to net charge-offs | 100.8888% | 2,332 |
| Earnings coverage of net charge-offs (x) | 4.3386% | 3,283 |
| Efficiency ratio | 64.7373% | 3,801 |
| Assets per employee ($millions) | 12.0546% | 170 |
| Cash dividends to net income (ytd only)* | 76.8121% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0702% | 4,024 |
| Loan loss allowance to noncurrent loans | 92.7894% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 0.7111% | 2,781 |
| Noncurrent loans to loans | 1.1534% | 1,943 |
| Net loans and leases to total assets | 59.3073% | 3,967 |
| Net loans and leases to deposits | 71.3121% | 3,854 |
| Net loans and leases to core deposits | 77.9863% | 3,666 |
| Total domestic deposits to total assets | 83.0353% | 3,581 |
| Equity capital to assets | 10.9037% | 3,124 |
| Core capital (leverage) ratio | 8.8572% | 4,997 |
| Tier 1 risk-based capital ratio | 12.8566% | 4,250 |
| Total risk-based capital ratio | 13.8701% | 4,301 |
| Memoranda: | ||
| Average total assets | $35,859,272,250 | 50 |
| Average earning assets | $31,112,693,000 | 51 |
| Average equity | $3,869,127,000 | 49 |
| Average total loans | $21,745,441,500 | 51 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9220% | 5,717 |
| Cost of funding earning assets | 0.3551% | 3,512 |
| Net interest margin | 2.5670% | 5,694 |
| Noninterest income to average assets | 0.7947% | 1,736 |
| Noninterest expense to average assets | 1.9754% | 5,319 |
| Loan and lease loss provision to assets | 0.3254% | 524 |
| Net operating income to assets | 0.4634% | 4,825 |
| Return on assets (ROA) | 0.4982% | 4,791 |
| Pretax return on assets | 0.7580% | 4,429 |
| Return on Equity (ROE) | 4.6337% | 4,660 |
| Retained earnings to average equity (ytd only) | 1.5244% | 4,769 |
| Net charge-offs to loans | 0.3287% | 715 |
| Credit loss provision to net charge-offs | 162.6570% | 1,514 |
| Earnings coverage of net charge-offs (x) | 5.1518% | 2,891 |
| Efficiency ratio | 65.4914% | 3,758 |
| Assets per employee ($millions) | 11.9269% | 162 |
| Cash dividends to net income (ytd only)* | 67.1028% | 1,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 3,769 |
| Loan loss allowance to noncurrent loans | 134.3444% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 3,419 |
| Noncurrent loans to loans | 0.8431% | 2,637 |
| Net loans and leases to total assets | 60.6984% | 3,789 |
| Net loans and leases to deposits | 74.3233% | 3,550 |
| Net loans and leases to core deposits | 81.7531% | 3,291 |
| Total domestic deposits to total assets | 81.4640% | 4,147 |
| Equity capital to assets | 10.7935% | 3,293 |
| Core capital (leverage) ratio | 8.6773% | 5,190 |
| Tier 1 risk-based capital ratio | 12.8038% | 4,311 |
| Total risk-based capital ratio | 15.1536% | 3,578 |
| Memoranda: | ||
| Average total assets | $35,894,341,670 | 50 |
| Average earning assets | $30,921,983,670 | 51 |
| Average equity | $3,859,330,330 | 49 |
| Average total loans | $21,849,202,670 | 50 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9161% | 5,767 |
| Cost of funding earning assets | 0.3488% | 3,610 |
| Net interest margin | 2.5673% | 5,748 |
| Noninterest income to average assets | 0.7781% | 1,702 |
| Noninterest expense to average assets | 1.9758% | 5,392 |
| Loan and lease loss provision to assets | 0.4916% | 256 |
| Net operating income to assets | 0.3234% | 5,232 |
| Return on assets (ROA) | 0.3815% | 5,120 |
| Pretax return on assets | 0.5801% | 4,880 |
| Return on Equity (ROE) | 3.5548% | 5,042 |
| Retained earnings to average equity (ytd only) | 0.4287% | 5,011 |
| Net charge-offs to loans | 0.4087% | 551 |
| Credit loss provision to net charge-offs | 198.4561% | 1,091 |
| Earnings coverage of net charge-offs (x) | 3.9714% | 2,480 |
| Efficiency ratio | 66.5339% | 3,710 |
| Assets per employee ($millions) | 11.8096% | 163 |
| Cash dividends to net income (ytd only)* | 87.9404% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 3,813 |
| Loan loss allowance to noncurrent loans | 148.8210% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 3,662 |
| Noncurrent loans to loans | 0.7683% | 2,917 |
| Net loans and leases to total assets | 59.5679% | 3,841 |
| Net loans and leases to deposits | 74.3852% | 3,393 |
| Net loans and leases to core deposits | 81.6613% | 3,158 |
| Total domestic deposits to total assets | 79.9097% | 4,766 |
| Equity capital to assets | 10.6017% | 3,370 |
| Core capital (leverage) ratio | 8.7271% | 5,148 |
| Tier 1 risk-based capital ratio | 12.6974% | 4,459 |
| Total risk-based capital ratio | 15.0557% | 3,748 |
| Memoranda: | ||
| Average total assets | $35,772,221,000 | 50 |
| Average earning assets | $30,394,959,000 | 52 |
| Average equity | $3,838,685,000 | 49 |
| Average total loans | $21,680,386,000 | 50 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7827% | 5,890 |
| Cost of funding earning assets | 0.3259% | 3,958 |
| Net interest margin | 2.4568% | 5,854 |
| Noninterest income to average assets | 0.7466% | 2,002 |
| Noninterest expense to average assets | 2.0516% | 5,347 |
| Loan and lease loss provision to assets | 0.2523% | 752 |
| Net operating income to assets | 0.4087% | 5,027 |
| Return on assets (ROA) | 0.4109% | 5,102 |
| Pretax return on assets | 0.6141% | 4,797 |
| Return on Equity (ROE) | 3.6601% | 5,081 |
| Retained earnings to average equity (ytd only) | 0.0157% | 5,499 |
| Net charge-offs to loans | 0.3392% | 876 |
| Credit loss provision to net charge-offs | 122.4438% | 2,113 |
| Earnings coverage of net charge-offs (x) | 4.1890% | 3,598 |
| Efficiency ratio | 70.1481% | 3,198 |
| Assets per employee ($millions) | 11.4043% | 180 |
| Cash dividends to net income (ytd only)* | 99.5711% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 4,227 |
| Loan loss allowance to noncurrent loans | 150.8140% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 3,807 |
| Noncurrent loans to loans | 0.7075% | 3,067 |
| Net loans and leases to total assets | 60.3181% | 3,791 |
| Net loans and leases to deposits | 74.6766% | 3,411 |
| Net loans and leases to core deposits | 80.7178% | 3,274 |
| Total domestic deposits to total assets | 80.6127% | 4,583 |
| Equity capital to assets | 10.8646% | 2,973 |
| Core capital (leverage) ratio | 9.1313% | 4,712 |
| Tier 1 risk-based capital ratio | 13.0183% | 4,297 |
| Total risk-based capital ratio | 15.3547% | 3,573 |
| Memoranda: | ||
| Average total assets | $34,220,498,000 | 47 |
| Average earning assets | $30,198,777,600 | 49 |
| Average equity | $3,841,518,800 | 48 |
| Average total loans | $20,785,023,800 | 50 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7712% | 5,977 |
| Cost of funding earning assets | 0.3252% | 4,046 |
| Net interest margin | 2.4461% | 5,946 |
| Noninterest income to average assets | 0.7736% | 1,910 |
| Noninterest expense to average assets | 2.0807% | 5,318 |
| Loan and lease loss provision to assets | 0.2373% | 751 |
| Net operating income to assets | 0.4207% | 5,083 |
| Return on assets (ROA) | 0.4244% | 5,157 |
| Pretax return on assets | 0.6331% | 4,889 |
| Return on Equity (ROE) | 3.7492% | 5,127 |
| Retained earnings to average equity (ytd only) | -0.0636% | 5,605 |
| Net charge-offs to loans | 0.3335% | 788 |
| Credit loss provision to net charge-offs | 117.2716% | 2,026 |
| Earnings coverage of net charge-offs (x) | 4.2738% | 3,378 |
| Efficiency ratio | 70.3999% | 3,147 |
| Assets per employee ($millions) | 11.1832% | 186 |
| Cash dividends to net income (ytd only)* | 101.6965% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 4,472 |
| Loan loss allowance to noncurrent loans | 145.4330% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4684% | 3,925 |
| Noncurrent loans to loans | 0.7214% | 3,171 |
| Net loans and leases to total assets | 61.6804% | 3,654 |
| Net loans and leases to deposits | 72.4513% | 3,712 |
| Net loans and leases to core deposits | 77.6498% | 3,639 |
| Total domestic deposits to total assets | 85.0104% | 2,998 |
| Equity capital to assets | 11.3621% | 2,630 |
| Core capital (leverage) ratio | 8.8849% | 5,136 |
| Tier 1 risk-based capital ratio | 13.1414% | 4,352 |
| Total risk-based capital ratio | 15.4807% | 3,644 |
| Memoranda: | ||
| Average total assets | $33,982,896,250 | 47 |
| Average earning assets | $30,174,824,750 | 49 |
| Average equity | $3,846,607,000 | 47 |
| Average total loans | $20,620,475,000 | 47 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7605% | 6,047 |
| Cost of funding earning assets | 0.3097% | 4,282 |
| Net interest margin | 2.4508% | 6,000 |
| Noninterest income to average assets | 0.7801% | 1,869 |
| Noninterest expense to average assets | 2.0719% | 5,392 |
| Loan and lease loss provision to assets | 0.2520% | 694 |
| Net operating income to assets | 0.4321% | 5,031 |
| Return on assets (ROA) | 0.4389% | 5,106 |
| Pretax return on assets | 0.6378% | 4,869 |
| Return on Equity (ROE) | 3.8825% | 5,059 |
| Retained earnings to average equity (ytd only) | -0.2801% | 5,560 |
| Net charge-offs to loans | 0.3205% | 819 |
| Credit loss provision to net charge-offs | 130.7401% | 1,689 |
| Earnings coverage of net charge-offs (x) | 4.5659% | 3,025 |
| Efficiency ratio | 69.9501% | 3,339 |
| Assets per employee ($millions) | 11.4575% | 170 |
| Cash dividends to net income (ytd only)* | 107.2142% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 4,670 |
| Loan loss allowance to noncurrent loans | 149.7358% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4436% | 4,154 |
| Noncurrent loans to loans | 0.6933% | 3,412 |
| Net loans and leases to total assets | 60.9899% | 3,694 |
| Net loans and leases to deposits | 73.4858% | 3,555 |
| Net loans and leases to core deposits | 79.6388% | 3,431 |
| Total domestic deposits to total assets | 82.7647% | 4,042 |
| Equity capital to assets | 10.9925% | 2,888 |
| Core capital (leverage) ratio | 8.9755% | 5,002 |
| Tier 1 risk-based capital ratio | 13.0390% | 4,497 |
| Total risk-based capital ratio | 15.3738% | 3,782 |
| Memoranda: | ||
| Average total assets | $34,000,596,000 | 47 |
| Average earning assets | $30,130,054,670 | 48 |
| Average equity | $3,843,759,670 | 47 |
| Average total loans | $20,443,993,670 | 46 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8173% | 6,058 |
| Cost of funding earning assets | 0.2933% | 4,517 |
| Net interest margin | 2.5240% | 5,993 |
| Noninterest income to average assets | 0.7454% | 1,940 |
| Noninterest expense to average assets | 2.0626% | 5,467 |
| Loan and lease loss provision to assets | 0.1785% | 1,081 |
| Net operating income to assets | 0.5046% | 4,666 |
| Return on assets (ROA) | 0.5158% | 4,719 |
| Pretax return on assets | 0.7635% | 4,371 |
| Return on Equity (ROE) | 4.4980% | 4,758 |
| Retained earnings to average equity (ytd only) | 0.3415% | 5,261 |
| Net charge-offs to loans | 0.2342% | 1,014 |
| Credit loss provision to net charge-offs | 128.4073% | 1,384 |
| Earnings coverage of net charge-offs (x) | 6.6579% | 2,260 |
| Efficiency ratio | 68.7874% | 3,698 |
| Assets per employee ($millions) | 11.1220% | 190 |
| Cash dividends to net income (ytd only)* | 92.4086% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 4,676 |
| Loan loss allowance to noncurrent loans | 122.7807% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 3,903 |
| Noncurrent loans to loans | 0.8690% | 3,072 |
| Net loans and leases to total assets | 58.6046% | 3,862 |
| Net loans and leases to deposits | 70.9952% | 3,641 |
| Net loans and leases to core deposits | 77.6548% | 3,415 |
| Total domestic deposits to total assets | 82.4073% | 4,378 |
| Equity capital to assets | 11.2868% | 2,662 |
| Core capital (leverage) ratio | 9.3277% | 4,528 |
| Tier 1 risk-based capital ratio | 13.3402% | 4,404 |
| Total risk-based capital ratio | 15.7041% | 3,670 |
| Memoranda: | ||
| Average total assets | $33,568,233,000 | 47 |
| Average earning assets | $29,827,960,500 | 48 |
| Average equity | $3,849,349,500 | 48 |
| Average total loans | $19,922,303,500 | 46 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8126% | 6,196 |
| Cost of funding earning assets | 0.2057% | 5,697 |
| Net interest margin | 2.6069% | 6,058 |
| Noninterest income to average assets | 0.8315% | 1,746 |
| Noninterest expense to average assets | 2.1722% | 5,405 |
| Loan and lease loss provision to assets | 0.1594% | 1,646 |
| Net operating income to assets | 0.5399% | 4,637 |
| Return on assets (ROA) | 0.5586% | 4,658 |
| Pretax return on assets | 0.8493% | 4,080 |
| Return on Equity (ROE) | 4.4756% | 4,903 |
| Retained earnings to average equity (ytd only) | -6.9904% | 6,243 |
| Net charge-offs to loans | 0.2064% | 2,017 |
| Credit loss provision to net charge-offs | 141.1193% | 1,680 |
| Earnings coverage of net charge-offs (x) | 8.6784% | 2,844 |
| Efficiency ratio | 68.6630% | 3,778 |
| Assets per employee ($millions) | 10.6450% | 206 |
| Cash dividends to net income (ytd only)* | 256.1879% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 4,597 |
| Loan loss allowance to noncurrent loans | 147.5558% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 4,297 |
| Noncurrent loans to loans | 0.7375% | 3,478 |
| Net loans and leases to total assets | 58.8181% | 3,945 |
| Net loans and leases to deposits | 73.2085% | 3,526 |
| Net loans and leases to core deposits | 78.8833% | 3,425 |
| Total domestic deposits to total assets | 80.1577% | 4,973 |
| Equity capital to assets | 11.6548% | 2,298 |
| Core capital (leverage) ratio | 9.4959% | 4,247 |
| Tier 1 risk-based capital ratio | 14.0948% | 4,031 |
| Total risk-based capital ratio | 16.5970% | 3,248 |
| Memoranda: | ||
| Average total assets | $31,792,521,200 | 47 |
| Average earning assets | $28,306,205,600 | 48 |
| Average equity | $3,968,244,600 | 46 |
| Average total loans | $17,403,639,000 | 49 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8138% | 6,270 |
| Cost of funding earning assets | 0.1845% | 5,960 |
| Net interest margin | 2.6293% | 6,098 |
| Noninterest income to average assets | 0.8453% | 1,723 |
| Noninterest expense to average assets | 2.1868% | 5,382 |
| Loan and lease loss provision to assets | 0.1858% | 1,319 |
| Net operating income to assets | 0.5392% | 4,713 |
| Return on assets (ROA) | 0.5644% | 4,685 |
| Pretax return on assets | 0.8503% | 4,176 |
| Return on Equity (ROE) | 4.4448% | 4,990 |
| Retained earnings to average equity (ytd only) | -9.0506% | 6,356 |
| Net charge-offs to loans | 0.2059% | 1,821 |
| Credit loss provision to net charge-offs | 168.6547% | 1,457 |
| Earnings coverage of net charge-offs (x) | 9.0582% | 2,720 |
| Efficiency ratio | 68.4253% | 3,780 |
| Assets per employee ($millions) | 10.2455% | 223 |
| Cash dividends to net income (ytd only)* | 303.6232% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 4,561 |
| Loan loss allowance to noncurrent loans | 159.6887% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 4,588 |
| Noncurrent loans to loans | 0.7134% | 3,827 |
| Net loans and leases to total assets | 58.6790% | 3,978 |
| Net loans and leases to deposits | 73.2240% | 3,531 |
| Net loans and leases to core deposits | 78.6275% | 3,480 |
| Total domestic deposits to total assets | 79.9330% | 5,115 |
| Equity capital to assets | 12.0072% | 2,053 |
| Core capital (leverage) ratio | 9.5176% | 4,349 |
| Tier 1 risk-based capital ratio | 14.3677% | 3,969 |
| Total risk-based capital ratio | 16.9392% | 3,160 |
| Memoranda: | ||
| Average total assets | $31,512,101,000 | 48 |
| Average earning assets | $28,039,227,000 | 49 |
| Average equity | $4,001,283,250 | 47 |
| Average total loans | $16,861,427,750 | 50 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8331% | 6,318 |
| Cost of funding earning assets | 0.1625% | 6,176 |
| Net interest margin | 2.6706% | 6,082 |
| Noninterest income to average assets | 0.8448% | 1,683 |
| Noninterest expense to average assets | 2.2483% | 5,292 |
| Loan and lease loss provision to assets | 0.2148% | 1,094 |
| Net operating income to assets | 0.4913% | 4,840 |
| Return on assets (ROA) | 0.5285% | 4,788 |
| Pretax return on assets | 0.7948% | 4,293 |
| Return on Equity (ROE) | 4.0870% | 5,106 |
| Retained earnings to average equity (ytd only) | -6.7610% | 6,336 |
| Net charge-offs to loans | 0.2121% | 1,759 |
| Credit loss provision to net charge-offs | 196.5107% | 1,192 |
| Earnings coverage of net charge-offs (x) | 8.7212% | 2,453 |
| Efficiency ratio | 69.9902% | 3,665 |
| Assets per employee ($millions) | 10.2923% | 214 |
| Cash dividends to net income (ytd only)* | 265.4280% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 4,276 |
| Loan loss allowance to noncurrent loans | 117.0510% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 4,250 |
| Noncurrent loans to loans | 1.0506% | 3,126 |
| Net loans and leases to total assets | 53.0323% | 4,639 |
| Net loans and leases to deposits | 70.3180% | 3,783 |
| Net loans and leases to core deposits | 73.2271% | 3,929 |
| Total domestic deposits to total assets | 75.2632% | 6,000 |
| Equity capital to assets | 12.2992% | 1,775 |
| Core capital (leverage) ratio | 10.0420% | 3,550 |
| Tier 1 risk-based capital ratio | 15.3435% | 3,445 |
| Total risk-based capital ratio | 17.2436% | 3,028 |
| Memoranda: | ||
| Average total assets | $31,364,195,330 | 48 |
| Average earning assets | $27,676,862,330 | 49 |
| Average equity | $4,056,046,330 | 47 |
| Average total loans | $16,159,419,330 | 52 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8433% | 6,364 |
| Cost of funding earning assets | 0.1606% | 6,292 |
| Net interest margin | 2.6826% | 6,127 |
| Noninterest income to average assets | 0.7624% | 1,901 |
| Noninterest expense to average assets | 2.2012% | 5,462 |
| Loan and lease loss provision to assets | 0.1205% | 1,986 |
| Net operating income to assets | 0.5351% | 4,530 |
| Return on assets (ROA) | 0.6089% | 4,234 |
| Pretax return on assets | 0.9229% | 3,613 |
| Return on Equity (ROE) | 4.5900% | 4,748 |
| Retained earnings to average equity (ytd only) | 0.6723% | 5,323 |
| Net charge-offs to loans | 0.2203% | 1,442 |
| Credit loss provision to net charge-offs | 108.5821% | 1,555 |
| Earnings coverage of net charge-offs (x) | 8.3937% | 2,029 |
| Efficiency ratio | 70.0159% | 3,839 |
| Assets per employee ($millions) | 10.3474% | 213 |
| Cash dividends to net income (ytd only)* | 85.3534% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 4,411 |
| Loan loss allowance to noncurrent loans | 85.6834% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 3,934 |
| Noncurrent loans to loans | 1.4525% | 2,610 |
| Net loans and leases to total assets | 48.6180% | 5,044 |
| Net loans and leases to deposits | 68.7599% | 3,766 |
| Net loans and leases to core deposits | 69.5986% | 4,148 |
| Total domestic deposits to total assets | 70.3210% | 6,441 |
| Equity capital to assets | 12.6136% | 1,515 |
| Core capital (leverage) ratio | 10.8553% | 2,537 |
| Tier 1 risk-based capital ratio | 16.2087% | 3,053 |
| Total risk-based capital ratio | 17.2640% | 3,121 |
| Memoranda: | ||
| Average total assets | $30,784,440,500 | 48 |
| Average earning assets | $27,200,623,000 | 50 |
| Average equity | $4,083,998,000 | 46 |
| Average total loans | $15,507,717,000 | 53 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3767% | 6,655 |
| Cost of funding earning assets | 0.2448% | 6,003 |
| Net interest margin | 2.1319% | 6,605 |
| Noninterest income to average assets | 0.7964% | 2,095 |
| Noninterest expense to average assets | 4.3471% | 601 |
| Loan and lease loss provision to assets | 0.1169% | 2,860 |
| Net operating income to assets | -1.3331% | 6,655 |
| Return on assets (ROA) | -1.1851% | 6,635 |
| Pretax return on assets | -1.6825% | 6,679 |
| Return on Equity (ROE) | -8.8533% | 6,571 |
| Retained earnings to average equity (ytd only) | -11.9490% | 6,571 |
| Net charge-offs to loans | 0.4118% | 1,631 |
| Credit loss provision to net charge-offs | 64.3770% | 3,444 |
| Earnings coverage of net charge-offs (x) | -9.7869% | 5,422 |
| Efficiency ratio | 76.6490% | 2,684 |
| Assets per employee ($millions) | 9.2701% | 299 |
| Cash dividends to net income (ytd only)* | -34.9672% | 6,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 4,049 |
| Loan loss allowance to noncurrent loans | 84.3007% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8291% | 3,819 |
| Noncurrent loans to loans | 1.5644% | 2,551 |
| Net loans and leases to total assets | 50.9710% | 4,971 |
| Net loans and leases to deposits | 65.3051% | 4,381 |
| Net loans and leases to core deposits | 65.9350% | 4,701 |
| Total domestic deposits to total assets | 77.8354% | 5,851 |
| Equity capital to assets | 13.9949% | 898 |
| Core capital (leverage) ratio | 11.6231% | 1,880 |
| Tier 1 risk-based capital ratio | 17.1113% | 2,559 |
| Total risk-based capital ratio | 18.2098% | 2,591 |
| Memoranda: | ||
| Average total assets | $32,576,600,000 | 48 |
| Average earning assets | $27,103,413,200 | 48 |
| Average equity | $4,360,821,000 | 44 |
| Average total loans | $14,363,026,600 | 57 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2711% | 6,757 |
| Cost of funding earning assets | 0.2640% | 5,997 |
| Net interest margin | 2.0071% | 6,724 |
| Noninterest income to average assets | 0.7869% | 2,216 |
| Noninterest expense to average assets | 5.0270% | 329 |
| Loan and lease loss provision to assets | 0.0782% | 3,497 |
| Net operating income to assets | -1.8654% | 6,793 |
| Return on assets (ROA) | -1.7016% | 6,780 |
| Pretax return on assets | -2.4291% | 6,815 |
| Return on Equity (ROE) | -12.8383% | 6,718 |
| Retained earnings to average equity (ytd only) | -14.6429% | 6,701 |
| Net charge-offs to loans | 0.4510% | 1,422 |
| Credit loss provision to net charge-offs | 40.8650% | 3,694 |
| Earnings coverage of net charge-offs (x) | -13.5019% | 5,175 |
| Efficiency ratio | 79.5326% | 2,172 |
| Assets per employee ($millions) | 10.2845% | 217 |
| Cash dividends to net income (ytd only)* | -14.0566% | 6,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3390% | 4,199 |
| Loan loss allowance to noncurrent loans | 71.5675% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 0.8378% | 4,020 |
| Noncurrent loans to loans | 1.8710% | 2,409 |
| Net loans and leases to total assets | 43.2633% | 5,792 |
| Net loans and leases to deposits | 52.3024% | 5,687 |
| Net loans and leases to core deposits | 52.7000% | 5,850 |
| Total domestic deposits to total assets | 82.5793% | 4,727 |
| Equity capital to assets | 12.7460% | 1,451 |
| Core capital (leverage) ratio | 11.6706% | 1,903 |
| Tier 1 risk-based capital ratio | 16.5968% | 2,898 |
| Total risk-based capital ratio | 17.6451% | 2,954 |
| Memoranda: | ||
| Average total assets | $33,446,055,250 | 45 |
| Average earning assets | $27,582,181,500 | 47 |
| Average equity | $4,432,936,750 | 44 |
| Average total loans | $14,196,243,250 | 59 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2806% | 6,801 |
| Cost of funding earning assets | 0.2965% | 5,855 |
| Net interest margin | 1.9842% | 6,770 |
| Noninterest income to average assets | 0.7693% | 2,332 |
| Noninterest expense to average assets | 6.5700% | 170 |
| Loan and lease loss provision to assets | 0.0607% | 3,795 |
| Net operating income to assets | -2.9678% | 6,896 |
| Return on assets (ROA) | -2.7693% | 6,893 |
| Pretax return on assets | -3.9675% | 6,914 |
| Return on Equity (ROE) | -20.6399% | 6,831 |
| Retained earnings to average equity (ytd only) | -23.2893% | 6,818 |
| Net charge-offs to loans | 0.5044% | 1,300 |
| Credit loss provision to net charge-offs | 28.6661% | 3,612 |
| Earnings coverage of net charge-offs (x) | -19.7831% | 4,882 |
| Efficiency ratio | 83.5944% | 1,679 |
| Assets per employee ($millions) | 10.1069% | 216 |
| Cash dividends to net income (ytd only)* | -12.8362% | 6,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 4,103 |
| Loan loss allowance to noncurrent loans | 75.4428% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 0.7944% | 4,238 |
| Noncurrent loans to loans | 1.8369% | 2,585 |
| Net loans and leases to total assets | 41.7750% | 5,914 |
| Net loans and leases to deposits | 51.0342% | 5,769 |
| Net loans and leases to core deposits | 51.5119% | 5,923 |
| Total domestic deposits to total assets | 81.5728% | 5,191 |
| Equity capital to assets | 12.3760% | 1,655 |
| Core capital (leverage) ratio | 11.1573% | 2,209 |
| Tier 1 risk-based capital ratio | 16.0201% | 3,177 |
| Total risk-based capital ratio | 17.0738% | 3,249 |
| Memoranda: | ||
| Average total assets | $33,758,253,670 | 45 |
| Average earning assets | $27,398,231,670 | 47 |
| Average equity | $4,529,364,000 | 44 |
| Average total loans | $14,176,468,000 | 59 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3426% | 6,857 |
| Cost of funding earning assets | 0.3219% | 5,788 |
| Net interest margin | 2.0207% | 6,832 |
| Noninterest income to average assets | 0.7632% | 2,282 |
| Noninterest expense to average assets | 2.0306% | 6,041 |
| Loan and lease loss provision to assets | 0.0348% | 4,012 |
| Net operating income to assets | 0.2211% | 5,818 |
| Return on assets (ROA) | 0.4042% | 5,257 |
| Pretax return on assets | 0.6025% | 4,936 |
| Return on Equity (ROE) | 2.9038% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.9038% | 4,542 |
| Net charge-offs to loans | 0.4638% | 1,288 |
| Credit loss provision to net charge-offs | 17.9357% | 3,067 |
| Earnings coverage of net charge-offs (x) | 1.8769% | 3,214 |
| Efficiency ratio | 84.5063% | 1,703 |
| Assets per employee ($millions) | 10.1468% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4522% | 4,009 |
| Loan loss allowance to noncurrent loans | 68.1367% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.9042% | 4,131 |
| Noncurrent loans to loans | 2.1313% | 2,462 |
| Net loans and leases to total assets | 40.8487% | 5,929 |
| Net loans and leases to deposits | 50.9473% | 5,716 |
| Net loans and leases to core deposits | 51.5605% | 5,856 |
| Total domestic deposits to total assets | 79.6868% | 5,825 |
| Equity capital to assets | 13.8494% | 1,075 |
| Core capital (leverage) ratio | 11.2784% | 2,028 |
| Tier 1 risk-based capital ratio | 15.8627% | 3,345 |
| Total risk-based capital ratio | 16.9639% | 3,378 |
| Memoranda: | ||
| Average total assets | $34,132,892,500 | 45 |
| Average earning assets | $27,556,041,000 | 47 |
| Average equity | $4,751,455,000 | 43 |
| Average total loans | $14,273,055,500 | 57 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5080% | 6,938 |
| Cost of funding earning assets | 0.4944% | 5,256 |
| Net interest margin | 2.0136% | 6,929 |
| Noninterest income to average assets | 0.8280% | 2,142 |
| Noninterest expense to average assets | 1.9476% | 6,424 |
| Loan and lease loss provision to assets | 0.1598% | 3,618 |
| Net operating income to assets | 0.2801% | 5,539 |
| Return on assets (ROA) | 0.3457% | 5,531 |
| Pretax return on assets | 0.5163% | 5,228 |
| Return on Equity (ROE) | 2.4229% | 5,785 |
| Retained earnings to average equity (ytd only) | 0.3272% | 5,688 |
| Net charge-offs to loans | 0.5733% | 2,007 |
| Credit loss provision to net charge-offs | 64.4589% | 4,330 |
| Earnings coverage of net charge-offs (x) | 2.3328% | 4,246 |
| Efficiency ratio | 76.8257% | 2,620 |
| Assets per employee ($millions) | 10.0092% | 234 |
| Cash dividends to net income (ytd only)* | 86.4947% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5249% | 3,646 |
| Loan loss allowance to noncurrent loans | 73.9746% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 0.8913% | 4,262 |
| Noncurrent loans to loans | 2.0614% | 2,625 |
| Net loans and leases to total assets | 41.5393% | 6,041 |
| Net loans and leases to deposits | 52.0311% | 5,805 |
| Net loans and leases to core deposits | 52.6694% | 5,966 |
| Total domestic deposits to total assets | 79.3681% | 5,811 |
| Equity capital to assets | 13.9917% | 1,046 |
| Core capital (leverage) ratio | 11.0724% | 2,195 |
| Tier 1 risk-based capital ratio | 15.6809% | 3,329 |
| Total risk-based capital ratio | 16.8536% | 3,330 |
| Memoranda: | ||
| Average total assets | $33,445,270,400 | 46 |
| Average earning assets | $28,199,329,000 | 46 |
| Average equity | $4,771,686,200 | 40 |
| Average total loans | $14,458,619,600 | 55 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5206% | 7,046 |
| Cost of funding earning assets | 0.5054% | 5,402 |
| Net interest margin | 2.0152% | 7,032 |
| Noninterest income to average assets | 0.8390% | 2,080 |
| Noninterest expense to average assets | 1.9858% | 6,373 |
| Loan and lease loss provision to assets | 0.1679% | 3,438 |
| Net operating income to assets | 0.2769% | 5,691 |
| Return on assets (ROA) | 0.3425% | 5,667 |
| Pretax return on assets | 0.5014% | 5,463 |
| Return on Equity (ROE) | 2.3887% | 5,919 |
| Retained earnings to average equity (ytd only) | 2.3887% | 5,138 |
| Net charge-offs to loans | 0.6030% | 1,828 |
| Credit loss provision to net charge-offs | 64.0015% | 4,050 |
| Earnings coverage of net charge-offs (x) | 2.1838% | 4,167 |
| Efficiency ratio | 77.3311% | 2,475 |
| Assets per employee ($millions) | 10.0181% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5729% | 3,633 |
| Loan loss allowance to noncurrent loans | 77.6725% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.8862% | 4,514 |
| Noncurrent loans to loans | 2.0250% | 2,818 |
| Net loans and leases to total assets | 41.6703% | 6,151 |
| Net loans and leases to deposits | 52.7888% | 5,907 |
| Net loans and leases to core deposits | 53.4407% | 6,088 |
| Total domestic deposits to total assets | 78.6374% | 5,947 |
| Equity capital to assets | 14.3948% | 1,007 |
| Core capital (leverage) ratio | 11.1456% | 2,259 |
| Tier 1 risk-based capital ratio | 15.8480% | 3,350 |
| Total risk-based capital ratio | 17.1614% | 3,288 |
| Memoranda: | ||
| Average total assets | $33,283,784,000 | 47 |
| Average earning assets | $28,401,022,000 | 46 |
| Average equity | $4,772,120,000 | 41 |
| Average total loans | $14,478,141,750 | 56 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5709% | 7,109 |
| Cost of funding earning assets | 0.5146% | 5,519 |
| Net interest margin | 2.0563% | 7,087 |
| Noninterest income to average assets | 0.8606% | 1,930 |
| Noninterest expense to average assets | 2.0328% | 6,367 |
| Loan and lease loss provision to assets | 0.2536% | 2,546 |
| Net operating income to assets | 0.2278% | 5,837 |
| Return on assets (ROA) | 0.2306% | 6,014 |
| Pretax return on assets | 0.3237% | 5,913 |
| Return on Equity (ROE) | 1.6103% | 6,165 |
| Retained earnings to average equity (ytd only) | 1.6103% | 5,404 |
| Net charge-offs to loans | 0.6678% | 1,651 |
| Credit loss provision to net charge-offs | 86.4968% | 3,143 |
| Earnings coverage of net charge-offs (x) | 1.9559% | 3,995 |
| Efficiency ratio | 77.7214% | 2,497 |
| Assets per employee ($millions) | 10.0015% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 3,429 |
| Loan loss allowance to noncurrent loans | 76.0781% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 4,438 |
| Noncurrent loans to loans | 2.1683% | 2,746 |
| Net loans and leases to total assets | 42.5572% | 6,146 |
| Net loans and leases to deposits | 54.6109% | 5,810 |
| Net loans and leases to core deposits | 55.4249% | 5,986 |
| Total domestic deposits to total assets | 77.5685% | 6,239 |
| Equity capital to assets | 14.0932% | 1,055 |
| Core capital (leverage) ratio | 10.8819% | 2,411 |
| Tier 1 risk-based capital ratio | 14.9199% | 3,821 |
| Total risk-based capital ratio | 16.2558% | 3,718 |
| Memoranda: | ||
| Average total assets | $33,104,698,330 | 47 |
| Average earning assets | $28,101,938,330 | 46 |
| Average equity | $4,740,004,670 | 41 |
| Average total loans | $14,531,342,670 | 55 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6549% | 7,146 |
| Cost of funding earning assets | 0.5222% | 5,664 |
| Net interest margin | 2.1327% | 7,120 |
| Noninterest income to average assets | 0.8627% | 1,898 |
| Noninterest expense to average assets | 2.3419% | 5,658 |
| Loan and lease loss provision to assets | 0.0398% | 4,889 |
| Net operating income to assets | 0.2091% | 5,957 |
| Return on assets (ROA) | 0.1955% | 6,146 |
| Pretax return on assets | 0.2633% | 6,052 |
| Return on Equity (ROE) | 1.3541% | 6,273 |
| Retained earnings to average equity (ytd only) | 1.3541% | 5,559 |
| Net charge-offs to loans | 0.3493% | 2,256 |
| Credit loss provision to net charge-offs | 25.7367% | 3,699 |
| Earnings coverage of net charge-offs (x) | 2.0817% | 3,318 |
| Efficiency ratio | 87.6512% | 1,314 |
| Assets per employee ($millions) | 9.6956% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 3,717 |
| Loan loss allowance to noncurrent loans | 76.5410% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.9744% | 4,563 |
| Noncurrent loans to loans | 2.0910% | 3,041 |
| Net loans and leases to total assets | 44.5189% | 5,958 |
| Net loans and leases to deposits | 57.4746% | 5,438 |
| Net loans and leases to core deposits | 58.7261% | 5,649 |
| Total domestic deposits to total assets | 76.7349% | 6,445 |
| Equity capital to assets | 14.3364% | 910 |
| Core capital (leverage) ratio | 10.8547% | 2,382 |
| Tier 1 risk-based capital ratio | 14.8659% | 3,848 |
| Total risk-based capital ratio | 16.2395% | 3,726 |
| Memoranda: | ||
| Average total assets | $32,689,485,500 | 47 |
| Average earning assets | $27,600,476,000 | 46 |
| Average equity | $4,718,730,500 | 41 |
| Average total loans | $14,454,975,500 | 56 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8510% | 7,209 |
| Cost of funding earning assets | 0.5964% | 6,103 |
| Net interest margin | 2.2546% | 7,156 |
| Noninterest income to average assets | 0.8983% | 1,677 |
| Noninterest expense to average assets | 2.1151% | 6,464 |
| Loan and lease loss provision to assets | 0.2275% | 3,926 |
| Net operating income to assets | 0.3035% | 5,235 |
| Return on assets (ROA) | 0.4283% | 4,937 |
| Pretax return on assets | 0.6399% | 4,556 |
| Return on Equity (ROE) | 3.1037% | 5,244 |
| Retained earnings to average equity (ytd only) | 3.1037% | 4,026 |
| Net charge-offs to loans | 0.5942% | 2,667 |
| Credit loss provision to net charge-offs | 75.4121% | 4,660 |
| Earnings coverage of net charge-offs (x) | 2.2579% | 4,094 |
| Efficiency ratio | 73.5593% | 3,297 |
| Assets per employee ($millions) | 8.9670% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 2,924 |
| Loan loss allowance to noncurrent loans | 71.5656% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 4,400 |
| Noncurrent loans to loans | 2.4916% | 2,634 |
| Net loans and leases to total assets | 42.4017% | 6,346 |
| Net loans and leases to deposits | 54.1678% | 6,053 |
| Net loans and leases to core deposits | 55.2281% | 6,210 |
| Total domestic deposits to total assets | 77.7761% | 6,234 |
| Equity capital to assets | 14.5359% | 885 |
| Core capital (leverage) ratio | 10.8789% | 2,369 |
| Tier 1 risk-based capital ratio | 15.3470% | 3,426 |
| Total risk-based capital ratio | 16.7278% | 3,300 |
| Memoranda: | ||
| Average total assets | $33,385,515,800 | 42 |
| Average earning assets | $28,104,674,600 | 45 |
| Average equity | $4,606,613,000 | 39 |
| Average total loans | $16,947,749,200 | 46 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8846% | 7,286 |
| Cost of funding earning assets | 0.6190% | 6,194 |
| Net interest margin | 2.2656% | 7,230 |
| Noninterest income to average assets | 0.9199% | 1,579 |
| Noninterest expense to average assets | 2.0462% | 6,601 |
| Loan and lease loss provision to assets | 0.2620% | 3,408 |
| Net operating income to assets | 0.3453% | 5,226 |
| Return on assets (ROA) | 0.4147% | 5,123 |
| Pretax return on assets | 0.6217% | 4,738 |
| Return on Equity (ROE) | 3.0448% | 5,393 |
| Retained earnings to average equity (ytd only) | 3.0448% | 4,511 |
| Net charge-offs to loans | 0.5274% | 2,649 |
| Credit loss provision to net charge-offs | 94.4814% | 3,622 |
| Earnings coverage of net charge-offs (x) | 2.8129% | 3,728 |
| Efficiency ratio | 70.1902% | 3,927 |
| Assets per employee ($millions) | 9.0772% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9151% | 2,576 |
| Loan loss allowance to noncurrent loans | 78.7756% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 4,626 |
| Noncurrent loans to loans | 2.4311% | 2,848 |
| Net loans and leases to total assets | 41.9876% | 6,505 |
| Net loans and leases to deposits | 53.7764% | 6,230 |
| Net loans and leases to core deposits | 55.2586% | 6,371 |
| Total domestic deposits to total assets | 77.7140% | 6,248 |
| Equity capital to assets | 14.2868% | 1,057 |
| Core capital (leverage) ratio | 10.5712% | 2,791 |
| Tier 1 risk-based capital ratio | 15.0598% | 3,627 |
| Total risk-based capital ratio | 16.4413% | 3,518 |
| Memoranda: | ||
| Average total assets | $33,652,665,500 | 42 |
| Average earning assets | $28,316,726,750 | 43 |
| Average equity | $4,583,878,500 | 40 |
| Average total loans | $17,696,762,750 | 44 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9074% | 7,361 |
| Cost of funding earning assets | 0.6523% | 6,214 |
| Net interest margin | 2.2551% | 7,298 |
| Noninterest income to average assets | 0.8858% | 1,691 |
| Noninterest expense to average assets | 2.0399% | 6,712 |
| Loan and lease loss provision to assets | 0.3484% | 2,695 |
| Net operating income to assets | 0.2890% | 5,416 |
| Return on assets (ROA) | 0.3953% | 5,113 |
| Pretax return on assets | 0.5915% | 4,764 |
| Return on Equity (ROE) | 2.9487% | 5,412 |
| Retained earnings to average equity (ytd only) | 2.9487% | 4,402 |
| Net charge-offs to loans | 0.5635% | 2,418 |
| Credit loss provision to net charge-offs | 110.8966% | 2,766 |
| Earnings coverage of net charge-offs (x) | 2.4869% | 3,581 |
| Efficiency ratio | 70.1121% | 4,098 |
| Assets per employee ($millions) | 9.0174% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 2,445 |
| Loan loss allowance to noncurrent loans | 82.6525% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.0691% | 4,745 |
| Noncurrent loans to loans | 2.3861% | 3,003 |
| Net loans and leases to total assets | 42.6416% | 6,548 |
| Net loans and leases to deposits | 54.9285% | 6,233 |
| Net loans and leases to core deposits | 56.6700% | 6,369 |
| Total domestic deposits to total assets | 77.3029% | 6,412 |
| Equity capital to assets | 14.1402% | 1,050 |
| Core capital (leverage) ratio | 10.3551% | 2,876 |
| Tier 1 risk-based capital ratio | 14.6095% | 3,723 |
| Total risk-based capital ratio | 15.9916% | 3,619 |
| Memoranda: | ||
| Average total assets | $33,904,949,000 | 44 |
| Average earning assets | $29,096,448,000 | 45 |
| Average equity | $4,545,253,330 | 42 |
| Average total loans | $18,901,734,670 | 43 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0046% | 7,396 |
| Cost of funding earning assets | 0.7820% | 5,659 |
| Net interest margin | 2.2226% | 7,347 |
| Noninterest income to average assets | 0.8086% | 1,997 |
| Noninterest expense to average assets | 2.0503% | 6,738 |
| Loan and lease loss provision to assets | 0.3391% | 2,525 |
| Net operating income to assets | 0.2417% | 5,642 |
| Return on assets (ROA) | 0.3950% | 5,067 |
| Pretax return on assets | 0.5905% | 4,724 |
| Return on Equity (ROE) | 3.0244% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.0244% | 4,345 |
| Net charge-offs to loans | 0.5945% | 2,009 |
| Credit loss provision to net charge-offs | 92.7340% | 2,888 |
| Earnings coverage of net charge-offs (x) | 1.9162% | 3,353 |
| Efficiency ratio | 72.3186% | 3,801 |
| Assets per employee ($millions) | 9.9945% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 5,208 |
| Loan loss allowance to noncurrent loans | 62.2699% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.2125% | 4,526 |
| Noncurrent loans to loans | 2.0625% | 3,491 |
| Net loans and leases to total assets | 56.8022% | 4,848 |
| Net loans and leases to deposits | 82.0313% | 2,360 |
| Net loans and leases to core deposits | 84.6757% | 3,072 |
| Total domestic deposits to total assets | 68.6446% | 7,245 |
| Equity capital to assets | 12.2845% | 1,745 |
| Core capital (leverage) ratio | 9.2002% | 4,288 |
| Tier 1 risk-based capital ratio | 13.8583% | 4,169 |
| Total risk-based capital ratio | 15.2345% | 4,063 |
| Memoranda: | ||
| Average total assets | $34,576,518,000 | 44 |
| Average earning assets | $30,217,758,500 | 45 |
| Average equity | $4,515,733,000 | 43 |
| Average total loans | $21,270,491,500 | 39 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0911% | 7,480 |
| Cost of funding earning assets | 0.9226% | 6,066 |
| Net interest margin | 2.1685% | 7,406 |
| Noninterest income to average assets | 0.9260% | 1,754 |
| Noninterest expense to average assets | 2.2454% | 6,493 |
| Loan and lease loss provision to assets | 0.5552% | 2,911 |
| Net operating income to assets | 0.0182% | 5,780 |
| Return on assets (ROA) | 0.1650% | 5,553 |
| Pretax return on assets | 0.2393% | 5,380 |
| Return on Equity (ROE) | 1.1789% | 5,651 |
| Retained earnings to average equity (ytd only) | 1.1789% | 4,956 |
| Net charge-offs to loans | 1.1831% | 1,885 |
| Credit loss provision to net charge-offs | 83.0070% | 5,447 |
| Earnings coverage of net charge-offs (x) | 0.8697% | 5,260 |
| Efficiency ratio | 75.1263% | 3,183 |
| Assets per employee ($millions) | 8.5255% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 5,067 |
| Loan loss allowance to noncurrent loans | 63.7743% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 4,328 |
| Noncurrent loans to loans | 2.0182% | 3,538 |
| Net loans and leases to total assets | 65.2026% | 3,624 |
| Net loans and leases to deposits | 93.1264% | 1,133 |
| Net loans and leases to core deposits | 96.7301% | 1,921 |
| Total domestic deposits to total assets | 69.3704% | 7,268 |
| Equity capital to assets | 13.9449% | 1,052 |
| Core capital (leverage) ratio | 8.3086% | 5,674 |
| Tier 1 risk-based capital ratio | 13.3783% | 4,311 |
| Total risk-based capital ratio | 14.7647% | 4,161 |
| Memoranda: | ||
| Average total assets | $31,895,197,800 | 46 |
| Average earning assets | $27,960,717,000 | 47 |
| Average equity | $4,464,621,600 | 43 |
| Average total loans | $18,030,014,600 | 45 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0379% | 7,620 |
| Cost of funding earning assets | 0.9055% | 6,376 |
| Net interest margin | 2.1324% | 7,541 |
| Noninterest income to average assets | 0.9601% | 1,584 |
| Noninterest expense to average assets | 2.2544% | 6,452 |
| Loan and lease loss provision to assets | 0.5500% | 2,745 |
| Net operating income to assets | 0.0183% | 5,961 |
| Return on assets (ROA) | 0.2186% | 5,617 |
| Pretax return on assets | 0.3042% | 5,500 |
| Return on Equity (ROE) | 1.5604% | 5,750 |
| Retained earnings to average equity (ytd only) | 1.5604% | 5,172 |
| Net charge-offs to loans | 1.2219% | 1,677 |
| Credit loss provision to net charge-offs | 83.1909% | 5,033 |
| Earnings coverage of net charge-offs (x) | 0.8712% | 5,175 |
| Efficiency ratio | 75.2067% | 3,103 |
| Assets per employee ($millions) | 8.9767% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 4,834 |
| Loan loss allowance to noncurrent loans | 69.1673% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.2204% | 4,711 |
| Noncurrent loans to loans | 1.9140% | 3,786 |
| Net loans and leases to total assets | 62.3687% | 4,455 |
| Net loans and leases to deposits | 87.9170% | 2,022 |
| Net loans and leases to core deposits | 91.7231% | 2,845 |
| Total domestic deposits to total assets | 70.5507% | 7,246 |
| Equity capital to assets | 13.2218% | 1,487 |
| Core capital (leverage) ratio | 8.7889% | 5,031 |
| Tier 1 risk-based capital ratio | 13.0577% | 4,531 |
| Total risk-based capital ratio | 14.4416% | 4,413 |
| Memoranda: | ||
| Average total assets | $31,793,187,750 | 46 |
| Average earning assets | $27,886,114,500 | 47 |
| Average equity | $4,454,610,750 | 43 |
| Average total loans | $17,203,228,750 | 46 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1819% | 7,677 |
| Cost of funding earning assets | 0.9618% | 6,332 |
| Net interest margin | 2.2201% | 7,572 |
| Noninterest income to average assets | 0.9857% | 1,419 |
| Noninterest expense to average assets | 2.2947% | 6,368 |
| Loan and lease loss provision to assets | 0.5513% | 2,571 |
| Net operating income to assets | 0.0850% | 5,908 |
| Return on assets (ROA) | 0.1174% | 5,924 |
| Pretax return on assets | 0.1446% | 5,895 |
| Return on Equity (ROE) | 0.8209% | 6,004 |
| Retained earnings to average equity (ytd only) | 0.8209% | 5,442 |
| Net charge-offs to loans | 1.5643% | 1,213 |
| Credit loss provision to net charge-offs | 69.3827% | 4,986 |
| Earnings coverage of net charge-offs (x) | 0.8256% | 4,949 |
| Efficiency ratio | 73.3946% | 3,578 |
| Assets per employee ($millions) | 7.9796% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7694% | 2,818 |
| Loan loss allowance to noncurrent loans | 60.7969% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.5200% | 4,178 |
| Noncurrent loans to loans | 2.9103% | 2,747 |
| Net loans and leases to total assets | 50.8831% | 6,324 |
| Net loans and leases to deposits | 66.6033% | 5,736 |
| Net loans and leases to core deposits | 69.3934% | 5,932 |
| Total domestic deposits to total assets | 76.1392% | 6,664 |
| Equity capital to assets | 15.0209% | 878 |
| Core capital (leverage) ratio | 8.7390% | 5,023 |
| Tier 1 risk-based capital ratio | 13.2201% | 4,273 |
| Total risk-based capital ratio | 14.6078% | 4,129 |
| Memoranda: | ||
| Average total assets | $31,062,324,000 | 46 |
| Average earning assets | $27,491,549,000 | 47 |
| Average equity | $4,441,642,330 | 42 |
| Average total loans | $15,777,348,000 | 47 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1769% | 7,780 |
| Cost of funding earning assets | 0.9792% | 6,469 |
| Net interest margin | 2.1977% | 7,649 |
| Noninterest income to average assets | 0.9261% | 1,528 |
| Noninterest expense to average assets | 2.2756% | 6,462 |
| Loan and lease loss provision to assets | 0.6190% | 2,055 |
| Net operating income to assets | -0.0054% | 6,299 |
| Return on assets (ROA) | 0.0432% | 6,292 |
| Pretax return on assets | 0.0325% | 6,296 |
| Return on Equity (ROE) | 0.3097% | 6,325 |
| Retained earnings to average equity (ytd only) | 0.3097% | 5,705 |
| Net charge-offs to loans | 1.8862% | 916 |
| Credit loss provision to net charge-offs | 65.2200% | 4,197 |
| Earnings coverage of net charge-offs (x) | 0.6352% | 4,460 |
| Efficiency ratio | 74.6300% | 3,463 |
| Assets per employee ($millions) | 8.1753% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7998% | 2,729 |
| Loan loss allowance to noncurrent loans | 85.1196% | 3,215 |
| Noncurrent assets plus other real estate owned to assets | 1.0946% | 4,959 |
| Noncurrent loans to loans | 2.1144% | 3,635 |
| Net loans and leases to total assets | 50.2296% | 6,441 |
| Net loans and leases to deposits | 65.2713% | 5,900 |
| Net loans and leases to core deposits | 69.4406% | 5,959 |
| Total domestic deposits to total assets | 76.6435% | 6,634 |
| Equity capital to assets | 14.3742% | 1,043 |
| Core capital (leverage) ratio | 8.3549% | 5,631 |
| Tier 1 risk-based capital ratio | 12.9577% | 4,367 |
| Total risk-based capital ratio | 14.3446% | 4,239 |
| Memoranda: | ||
| Average total assets | $31,695,588,000 | 45 |
| Average earning assets | $28,157,849,000 | 46 |
| Average equity | $4,424,670,500 | 42 |
| Average total loans | $15,948,967,500 | 45 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 7,835 |
| Cost of funding earning assets | 1.5371% | 5,352 |
| Net interest margin | 1.9434% | 7,767 |
| Noninterest income to average assets | 0.8399% | 2,230 |
| Noninterest expense to average assets | 2.1064% | 7,173 |
| Loan and lease loss provision to assets | 0.8152% | 2,687 |
| Net operating income to assets | -0.2741% | 5,935 |
| Return on assets (ROA) | -0.2712% | 5,926 |
| Pretax return on assets | -0.4237% | 5,944 |
| Return on Equity (ROE) | -2.1355% | 5,877 |
| Retained earnings to average equity (ytd only) | -2.1355% | 5,545 |
| Net charge-offs to loans | 1.2304% | 2,006 |
| Credit loss provision to net charge-offs | 128.9460% | 3,991 |
| Earnings coverage of net charge-offs (x) | 0.6122% | 5,488 |
| Efficiency ratio | 78.8734% | 3,062 |
| Assets per employee ($millions) | 8.5747% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9334% | 2,182 |
| Loan loss allowance to noncurrent loans | 91.0300% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 4,974 |
| Noncurrent loans to loans | 2.1240% | 3,486 |
| Net loans and leases to total assets | 48.5699% | 6,766 |
| Net loans and leases to deposits | 62.4768% | 6,415 |
| Net loans and leases to core deposits | 71.8106% | 6,672 |
| Total domestic deposits to total assets | 77.4318% | 6,360 |
| Equity capital to assets | 13.5652% | 1,293 |
| Core capital (leverage) ratio | 7.6764% | 6,578 |
| Tier 1 risk-based capital ratio | 12.5319% | 4,497 |
| Total risk-based capital ratio | 13.9164% | 4,328 |
| Memoranda: | ||
| Average total assets | $34,237,876,600 | 43 |
| Average earning assets | $29,129,837,000 | 45 |
| Average equity | $4,348,768,600 | 40 |
| Average total loans | $17,592,334,000 | 46 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 7,926 |
| Cost of funding earning assets | 1.6388% | 5,209 |
| Net interest margin | 1.9033% | 7,850 |
| Noninterest income to average assets | 0.8179% | 2,346 |
| Noninterest expense to average assets | 2.0989% | 7,200 |
| Loan and lease loss provision to assets | 0.8796% | 2,186 |
| Net operating income to assets | -0.3370% | 6,248 |
| Return on assets (ROA) | -0.3338% | 6,257 |
| Pretax return on assets | -0.5544% | 6,356 |
| Return on Equity (ROE) | -2.6702% | 6,191 |
| Retained earnings to average equity (ytd only) | -2.6702% | 5,862 |
| Net charge-offs to loans | 1.3014% | 1,571 |
| Credit loss provision to net charge-offs | 130.4321% | 3,840 |
| Earnings coverage of net charge-offs (x) | 0.4747% | 5,557 |
| Efficiency ratio | 80.9982% | 2,711 |
| Assets per employee ($millions) | 9.2426% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 2,267 |
| Loan loss allowance to noncurrent loans | 100.2107% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.8839% | 5,312 |
| Noncurrent loans to loans | 1.7989% | 3,914 |
| Net loans and leases to total assets | 47.7432% | 6,975 |
| Net loans and leases to deposits | 64.3792% | 6,463 |
| Net loans and leases to core deposits | 75.7323% | 6,634 |
| Total domestic deposits to total assets | 73.9040% | 6,963 |
| Equity capital to assets | 12.7160% | 1,822 |
| Core capital (leverage) ratio | 7.7048% | 6,725 |
| Tier 1 risk-based capital ratio | 11.8699% | 5,090 |
| Total risk-based capital ratio | 13.2459% | 4,917 |
| Memoranda: | ||
| Average total assets | $34,681,345,000 | 45 |
| Average earning assets | $29,175,347,000 | 47 |
| Average equity | $4,335,006,750 | 42 |
| Average total loans | $17,970,762,750 | 49 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6840% | 7,998 |
| Cost of funding earning assets | 1.8017% | 4,748 |
| Net interest margin | 1.8823% | 7,916 |
| Noninterest income to average assets | 0.8320% | 2,256 |
| Noninterest expense to average assets | 2.2009% | 7,052 |
| Loan and lease loss provision to assets | 0.7419% | 2,208 |
| Net operating income to assets | -0.3401% | 6,375 |
| Return on assets (ROA) | -0.3385% | 6,387 |
| Pretax return on assets | -0.5613% | 6,489 |
| Return on Equity (ROE) | -2.7235% | 6,330 |
| Retained earnings to average equity (ytd only) | -2.7235% | 5,916 |
| Net charge-offs to loans | 0.9494% | 1,828 |
| Credit loss provision to net charge-offs | 147.7959% | 3,123 |
| Earnings coverage of net charge-offs (x) | 0.3546% | 5,330 |
| Efficiency ratio | 86.6614% | 2,160 |
| Assets per employee ($millions) | 8.8987% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 2,550 |
| Loan loss allowance to noncurrent loans | 138.1108% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6421% | 5,812 |
| Noncurrent loans to loans | 1.1909% | 4,840 |
| Net loans and leases to total assets | 52.0661% | 6,681 |
| Net loans and leases to deposits | 70.0894% | 5,980 |
| Net loans and leases to core deposits | 83.8743% | 6,097 |
| Total domestic deposits to total assets | 73.9797% | 6,951 |
| Equity capital to assets | 13.1075% | 1,653 |
| Core capital (leverage) ratio | 7.5420% | 6,970 |
| Tier 1 risk-based capital ratio | 11.5135% | 5,366 |
| Total risk-based capital ratio | 12.8837% | 5,195 |
| Memoranda: | ||
| Average total assets | $34,771,766,330 | 46 |
| Average earning assets | $28,576,065,330 | 50 |
| Average equity | $4,321,477,000 | 43 |
| Average total loans | $18,384,324,670 | 51 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6539% | 8,071 |
| Cost of funding earning assets | 1.8243% | 5,002 |
| Net interest margin | 1.8296% | 7,966 |
| Noninterest income to average assets | 0.7727% | 2,466 |
| Noninterest expense to average assets | 2.1688% | 6,955 |
| Loan and lease loss provision to assets | 0.7833% | 1,639 |
| Net operating income to assets | -0.4027% | 6,788 |
| Return on assets (ROA) | -0.4027% | 6,858 |
| Pretax return on assets | -0.6607% | 6,940 |
| Return on Equity (ROE) | -3.3257% | 6,812 |
| Retained earnings to average equity (ytd only) | -3.3257% | 6,332 |
| Net charge-offs to loans | 0.9176% | 1,441 |
| Credit loss provision to net charge-offs | 161.5515% | 2,628 |
| Earnings coverage of net charge-offs (x) | 0.2528% | 4,772 |
| Efficiency ratio | 88.6814% | 1,833 |
| Assets per employee ($millions) | 9.4467% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 3,091 |
| Loan loss allowance to noncurrent loans | 164.3038% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 6,076 |
| Noncurrent loans to loans | 0.9003% | 5,201 |
| Net loans and leases to total assets | 50.3959% | 6,827 |
| Net loans and leases to deposits | 74.7721% | 5,386 |
| Net loans and leases to core deposits | 92.6076% | 5,298 |
| Total domestic deposits to total assets | 66.9717% | 7,671 |
| Equity capital to assets | 11.9083% | 2,316 |
| Core capital (leverage) ratio | 7.2891% | 7,392 |
| Tier 1 risk-based capital ratio | 11.0561% | 5,854 |
| Total risk-based capital ratio | 12.4194% | 5,653 |
| Memoranda: | ||
| Average total assets | $35,508,195,000 | 47 |
| Average earning assets | $29,474,096,000 | 49 |
| Average equity | $4,299,880,000 | 42 |
| Average total loans | $18,762,800,500 | 52 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6159% | 8,005 |
| Cost of funding earning assets | 2.3075% | 5,109 |
| Net interest margin | 2.3084% | 7,906 |
| Noninterest income to average assets | 0.8251% | 2,383 |
| Noninterest expense to average assets | 2.4948% | 6,033 |
| Loan and lease loss provision to assets | 0.6449% | 2,254 |
| Net operating income to assets | -0.2587% | 6,694 |
| Return on assets (ROA) | -0.2490% | 6,523 |
| Pretax return on assets | -0.2955% | 6,453 |
| Return on Equity (ROE) | -2.0639% | 6,509 |
| Retained earnings to average equity (ytd only) | -2.0639% | 5,887 |
| Net charge-offs to loans | 0.7168% | 1,723 |
| Credit loss provision to net charge-offs | 173.4063% | 2,939 |
| Earnings coverage of net charge-offs (x) | 0.9084% | 5,680 |
| Efficiency ratio | 57.9057% | 6,716 |
| Assets per employee ($millions) | 8.6307% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 3,712 |
| Loan loss allowance to noncurrent loans | 169.5108% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4314% | 5,920 |
| Noncurrent loans to loans | 0.7725% | 5,099 |
| Net loans and leases to total assets | 53.8912% | 6,669 |
| Net loans and leases to deposits | 80.8801% | 4,892 |
| Net loans and leases to core deposits | 100.5971% | 4,765 |
| Total domestic deposits to total assets | 66.0179% | 7,657 |
| Equity capital to assets | 12.3200% | 2,098 |
| Core capital (leverage) ratio | 7.4394% | 7,274 |
| Tier 1 risk-based capital ratio | 10.7242% | 5,980 |
| Total risk-based capital ratio | 11.9700% | 5,891 |
| Memoranda: | ||
| Average total assets | $37,032,782,000 | 43 |
| Average earning assets | $32,205,073,600 | 44 |
| Average equity | $4,467,237,600 | 38 |
| Average total loans | $19,215,297,400 | 50 |