Home > City National Bank > Performance and Condition Ratios
City National 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 | 4.7860% | 2,499 |
| Cost of funding earning assets | 1.8470% | 1,167 |
| Net interest margin | 2.9391% | 3,413 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.8015% | 1,491 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 0.6077% | 3,427 |
| Return on assets (ROA) | -1.6539% | 4,555 |
| Pretax return on assets | -2.3286% | 4,569 |
| Return on Equity (ROE) | -17.8200% | 4,539 |
| Retained earnings to average equity (ytd only) | -17.8210% | 4,511 |
| Net charge-offs to loans | 0.1674% | 628 |
| Credit loss provision to net charge-offs | 147.1694% | 1,488 |
| Earnings coverage of net charge-offs (x) | 6.0826% | 2,497 |
| Efficiency ratio | 78.7567% | 1,006 |
| Assets per employee ($millions) | 12.5755% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 2,754 |
| Loan loss allowance to noncurrent loans | 237.0289% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 1,652 |
| Noncurrent loans to loans | 0.4709% | 1,604 |
| Net loans and leases to total assets | 68.0100% | 2,034 |
| Net loans and leases to deposits | 84.0029% | 1,780 |
| Net loans and leases to core deposits | 99.4334% | 1,462 |
| Total domestic deposits to total assets | 80.9600% | 3,314 |
| Equity capital to assets | 11.0464% | 1,452 |
| Core capital (leverage) ratio | 9.8803% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8794% | 1,299 |
| Memoranda: | ||
| Average total assets | $95,536,682,200 | 32 |
| Average earning assets | $90,576,992,000 | 31 |
| Average equity | $8,866,435,200 | 32 |
| Average total loans | $65,752,532,400 | 25 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5704% | 2,753 |
| Cost of funding earning assets | 1.7882% | 1,029 |
| Net interest margin | 2.7822% | 3,756 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.5122% | 2,199 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.7885% | 3,059 |
| Return on assets (ROA) | -2.2105% | 4,600 |
| Pretax return on assets | -3.1525% | 4,604 |
| Return on Equity (ROE) | -24.9700% | 4,584 |
| Retained earnings to average equity (ytd only) | -24.9730% | 4,566 |
| Net charge-offs to loans | 0.1275% | 632 |
| Credit loss provision to net charge-offs | 209.7474% | 1,093 |
| Earnings coverage of net charge-offs (x) | 9.4290% | 2,164 |
| Efficiency ratio | 75.0928% | 1,261 |
| Assets per employee ($millions) | 12.8741% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 3,266 |
| Loan loss allowance to noncurrent loans | 240.2882% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 1,850 |
| Noncurrent loans to loans | 0.4236% | 1,769 |
| Net loans and leases to total assets | 67.1800% | 2,140 |
| Net loans and leases to deposits | 84.0697% | 1,731 |
| Net loans and leases to core deposits | 98.9909% | 1,382 |
| Total domestic deposits to total assets | 79.9100% | 3,543 |
| Equity capital to assets | 10.8694% | 1,400 |
| Core capital (leverage) ratio | 9.4812% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4046% | 1,446 |
| Memoranda: | ||
| Average total assets | $96,077,526,250 | 33 |
| Average earning assets | $91,122,497,000 | 32 |
| Average equity | $8,504,452,250 | 35 |
| Average total loans | $66,135,206,500 | 26 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 2,793 |
| Cost of funding earning assets | 1.6530% | 962 |
| Net interest margin | 2.7863% | 3,841 |
| Noninterest income to average assets | 0.7100% | 1,093 |
| Noninterest expense to average assets | 2.4565% | 2,327 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 0.5067% | 3,795 |
| Return on assets (ROA) | 0.5067% | 3,804 |
| Pretax return on assets | 0.6957% | 3,609 |
| Return on Equity (ROE) | 6.2000% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.1999% | 2,548 |
| Net charge-offs to loans | 0.1154% | 622 |
| Credit loss provision to net charge-offs | 252.5505% | 952 |
| Earnings coverage of net charge-offs (x) | 11.2468% | 1,972 |
| Efficiency ratio | 73.1226% | 1,448 |
| Assets per employee ($millions) | 12.2581% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 3,501 |
| Loan loss allowance to noncurrent loans | 238.0742% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 1,746 |
| Noncurrent loans to loans | 0.4115% | 1,698 |
| Net loans and leases to total assets | 70.2800% | 1,708 |
| Net loans and leases to deposits | 89.9295% | 1,191 |
| Net loans and leases to core deposits | 104.8013% | 1,021 |
| Total domestic deposits to total assets | 78.1500% | 3,832 |
| Equity capital to assets | 8.7498% | 2,693 |
| Core capital (leverage) ratio | 9.3303% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8045% | 1,621 |
| Memoranda: | ||
| Average total assets | $95,823,626,000 | 33 |
| Average earning assets | $90,832,298,333 | 32 |
| Average equity | $7,830,641,667 | 36 |
| Average total loans | $66,272,603,667 | 26 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 2,906 |
| Cost of funding earning assets | 1.4208% | 993 |
| Net interest margin | 2.8370% | 3,886 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.4240% | 2,457 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.5814% | 3,726 |
| Return on assets (ROA) | 0.5816% | 3,692 |
| Pretax return on assets | 0.8076% | 3,447 |
| Return on Equity (ROE) | 7.3700% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.3726% | 2,400 |
| Net charge-offs to loans | 0.1993% | 365 |
| Credit loss provision to net charge-offs | 138.8471% | 980 |
| Earnings coverage of net charge-offs (x) | 7.3223% | 1,760 |
| Efficiency ratio | 70.7536% | 1,673 |
| Assets per employee ($millions) | 13.0037% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 3,785 |
| Loan loss allowance to noncurrent loans | 232.4878% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 1,777 |
| Noncurrent loans to loans | 0.3982% | 1,738 |
| Net loans and leases to total assets | 67.9400% | 1,841 |
| Net loans and leases to deposits | 87.1288% | 1,282 |
| Net loans and leases to core deposits | 97.8412% | 1,187 |
| Total domestic deposits to total assets | 77.9800% | 4,012 |
| Equity capital to assets | 8.5438% | 2,854 |
| Core capital (leverage) ratio | 9.2273% | 3,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7931% | 1,686 |
| Memoranda: | ||
| Average total assets | $96,437,383,500 | 36 |
| Average earning assets | $91,410,686,500 | 34 |
| Average equity | $7,607,488,000 | 39 |
| Average total loans | $65,840,091,000 | 28 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9798% | 4,158 |
| Cost of funding earning assets | 0.3853% | 2,219 |
| Net interest margin | 2.5945% | 4,185 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.1678% | 3,105 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.6731% | 3,697 |
| Return on assets (ROA) | 0.6718% | 3,653 |
| Pretax return on assets | 0.9295% | 3,271 |
| Return on Equity (ROE) | 9.1900% | 3,071 |
| Retained earnings to average equity (ytd only) | 9.1895% | 1,426 |
| Net charge-offs to loans | 0.0067% | 2,160 |
| Credit loss provision to net charge-offs | 2,123.5969% | 251 |
| Earnings coverage of net charge-offs (x) | 231.8116% | 578 |
| Efficiency ratio | 67.7606% | 1,994 |
| Assets per employee ($millions) | 13.6402% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 3,717 |
| Loan loss allowance to noncurrent loans | 277.0192% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 2,036 |
| Noncurrent loans to loans | 0.3297% | 1,972 |
| Net loans and leases to total assets | 67.3500% | 1,898 |
| Net loans and leases to deposits | 86.1499% | 1,304 |
| Net loans and leases to core deposits | 92.3259% | 1,368 |
| Total domestic deposits to total assets | 78.1800% | 4,074 |
| Equity capital to assets | 7.2342% | 3,531 |
| Core capital (leverage) ratio | 8.2021% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2645% | 2,257 |
| Memoranda: | ||
| Average total assets | $92,670,715,800 | 37 |
| Average earning assets | $88,040,749,200 | 34 |
| Average equity | $6,774,396,000 | 41 |
| Average total loans | $61,248,380,000 | 30 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6591% | 4,331 |
| Cost of funding earning assets | 0.2241% | 3,000 |
| Net interest margin | 2.4350% | 4,281 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.1107% | 3,181 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.6257% | 3,765 |
| Return on assets (ROA) | 0.6239% | 3,727 |
| Pretax return on assets | 0.8634% | 3,439 |
| Return on Equity (ROE) | 8.5100% | 3,175 |
| Retained earnings to average equity (ytd only) | 8.5108% | 1,819 |
| Net charge-offs to loans | -0.0046% | 3,464 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.1198% | 1,875 |
| Assets per employee ($millions) | 13.9867% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 3,863 |
| Loan loss allowance to noncurrent loans | 276.5688% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 2,102 |
| Noncurrent loans to loans | 0.3247% | 2,073 |
| Net loans and leases to total assets | 68.9700% | 1,573 |
| Net loans and leases to deposits | 80.9677% | 1,525 |
| Net loans and leases to core deposits | 82.5080% | 1,732 |
| Total domestic deposits to total assets | 85.1900% | 3,239 |
| Equity capital to assets | 7.0377% | 3,494 |
| Core capital (leverage) ratio | 7.8731% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6730% | 2,587 |
| Memoranda: | ||
| Average total assets | $91,712,217,500 | 38 |
| Average earning assets | $87,180,322,250 | 36 |
| Average equity | $6,722,657,500 | 43 |
| Average total loans | $60,161,542,500 | 30 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4457% | 4,423 |
| Cost of funding earning assets | 0.1843% | 3,121 |
| Net interest margin | 2.2614% | 4,370 |
| Noninterest income to average assets | 0.7387% | 1,207 |
| Noninterest expense to average assets | 2.0363% | 3,334 |
| Loan and lease loss provision to assets | 0.0884% | 1,114 |
| Net operating income to assets | 0.5499% | 3,762 |
| Return on assets (ROA) | 0.5479% | 3,721 |
| Pretax return on assets | 0.7643% | 3,418 |
| Return on Equity (ROE) | 7.3783% | 3,189 |
| Retained earnings to average equity (ytd only) | 7.3783% | 1,859 |
| Net charge-offs to loans | -0.0118% | 3,639 |
| Credit loss provision to net charge-offs | -1,162.1892% | 3,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2672% | 1,920 |
| Assets per employee ($millions) | 13.0693% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 3,946 |
| Loan loss allowance to noncurrent loans | 356.2241% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 2,498 |
| Noncurrent loans to loans | 0.2534% | 2,462 |
| Net loans and leases to total assets | 67.5010% | 1,526 |
| Net loans and leases to deposits | 77.1127% | 1,597 |
| Net loans and leases to core deposits | 78.0662% | 1,848 |
| Total domestic deposits to total assets | 87.5354% | 2,755 |
| Equity capital to assets | 7.2580% | 3,625 |
| Core capital (leverage) ratio | 7.6918% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6574% | 2,629 |
| Memoranda: | ||
| Average total assets | $92,038,987,000 | 37 |
| Average earning assets | $87,615,190,000 | 36 |
| Average equity | $6,835,067,667 | 44 |
| Average total loans | $59,165,749,000 | 30 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2961% | 4,460 |
| Cost of funding earning assets | 0.1656% | 3,289 |
| Net interest margin | 2.1305% | 4,416 |
| Noninterest income to average assets | 0.6928% | 1,336 |
| Noninterest expense to average assets | 1.9846% | 3,469 |
| Loan and lease loss provision to assets | 0.0377% | 1,680 |
| Net operating income to assets | 0.5025% | 3,711 |
| Return on assets (ROA) | 0.5003% | 3,680 |
| Pretax return on assets | 0.6975% | 3,403 |
| Return on Equity (ROE) | 6.6624% | 3,139 |
| Retained earnings to average equity (ytd only) | 6.6624% | 2,005 |
| Net charge-offs to loans | -0.0611% | 4,328 |
| Credit loss provision to net charge-offs | -98.9450% | 2,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7256% | 1,883 |
| Assets per employee ($millions) | 13.0522% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 3,999 |
| Loan loss allowance to noncurrent loans | 561.4160% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 3,087 |
| Noncurrent loans to loans | 0.1630% | 2,991 |
| Net loans and leases to total assets | 62.9853% | 1,742 |
| Net loans and leases to deposits | 71.0905% | 1,859 |
| Net loans and leases to core deposits | 71.6269% | 2,143 |
| Total domestic deposits to total assets | 88.5988% | 2,253 |
| Equity capital to assets | 7.2920% | 4,052 |
| Core capital (leverage) ratio | 7.5878% | 4,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1531% | 2,550 |
| Memoranda: | ||
| Average total assets | $92,498,793,500 | 37 |
| Average earning assets | $88,129,218,000 | 37 |
| Average equity | $6,945,865,500 | 45 |
| Average total loans | $57,715,229,500 | 31 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3151% | 4,580 |
| Cost of funding earning assets | 0.1079% | 4,327 |
| Net interest margin | 2.2073% | 4,481 |
| Noninterest income to average assets | 0.7167% | 1,701 |
| Noninterest expense to average assets | 2.0831% | 3,429 |
| Loan and lease loss provision to assets | -0.0080% | 4,158 |
| Net operating income to assets | 0.5716% | 3,935 |
| Return on assets (ROA) | 0.5719% | 3,978 |
| Pretax return on assets | 0.7400% | 3,856 |
| Return on Equity (ROE) | 7.3526% | 3,420 |
| Retained earnings to average equity (ytd only) | 6.4535% | 2,152 |
| Net charge-offs to loans | 0.0154% | 2,001 |
| Credit loss provision to net charge-offs | -81.5564% | 3,328 |
| Earnings coverage of net charge-offs (x) | 74.1174% | 1,043 |
| Efficiency ratio | 73.8508% | 1,321 |
| Assets per employee ($millions) | 13.6098% | 268 |
| Cash dividends to net income (ytd only)* | 12.2285% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 4,056 |
| Loan loss allowance to noncurrent loans | 441.5019% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 3,060 |
| Noncurrent loans to loans | 0.2049% | 2,934 |
| Net loans and leases to total assets | 60.6884% | 2,089 |
| Net loans and leases to deposits | 68.2270% | 2,293 |
| Net loans and leases to core deposits | 68.7465% | 2,578 |
| Total domestic deposits to total assets | 88.9507% | 1,539 |
| Equity capital to assets | 7.7229% | 4,495 |
| Core capital (leverage) ratio | 7.3076% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2243% | 2,554 |
| Memoranda: | ||
| Average total assets | $85,148,958,200 | 40 |
| Average earning assets | $80,930,786,600 | 39 |
| Average equity | $6,623,584,000 | 45 |
| Average total loans | $54,422,843,800 | 33 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3379% | 4,658 |
| Cost of funding earning assets | 0.1002% | 4,505 |
| Net interest margin | 2.2377% | 4,539 |
| Noninterest income to average assets | 0.7277% | 1,739 |
| Noninterest expense to average assets | 2.1343% | 3,264 |
| Loan and lease loss provision to assets | -0.0026% | 4,293 |
| Net operating income to assets | 0.5549% | 4,091 |
| Return on assets (ROA) | 0.5555% | 4,133 |
| Pretax return on assets | 0.7210% | 4,030 |
| Return on Equity (ROE) | 7.1264% | 3,636 |
| Retained earnings to average equity (ytd only) | 5.9010% | 2,871 |
| Net charge-offs to loans | 0.0199% | 1,653 |
| Credit loss provision to net charge-offs | -20.3183% | 3,082 |
| Earnings coverage of net charge-offs (x) | 55.6405% | 1,178 |
| Efficiency ratio | 74.6723% | 1,158 |
| Assets per employee ($millions) | 13.4136% | 272 |
| Cash dividends to net income (ytd only)* | 17.1959% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 3,987 |
| Loan loss allowance to noncurrent loans | 471.4595% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 3,293 |
| Noncurrent loans to loans | 0.2028% | 3,141 |
| Net loans and leases to total assets | 60.1668% | 2,236 |
| Net loans and leases to deposits | 67.4816% | 2,485 |
| Net loans and leases to core deposits | 68.1071% | 2,767 |
| Total domestic deposits to total assets | 89.1602% | 1,190 |
| Equity capital to assets | 7.3030% | 4,757 |
| Core capital (leverage) ratio | 6.8382% | 4,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4322% | 2,879 |
| Memoranda: | ||
| Average total assets | $83,129,372,250 | 42 |
| Average earning assets | $78,915,863,500 | 42 |
| Average equity | $6,479,518,500 | 46 |
| Average total loans | $53,754,882,000 | 34 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4059% | 4,669 |
| Cost of funding earning assets | 0.1031% | 4,557 |
| Net interest margin | 2.3028% | 4,517 |
| Noninterest income to average assets | 0.7406% | 1,687 |
| Noninterest expense to average assets | 2.0169% | 3,650 |
| Loan and lease loss provision to assets | -0.0225% | 4,438 |
| Net operating income to assets | 0.7145% | 3,725 |
| Return on assets (ROA) | 0.7156% | 3,788 |
| Pretax return on assets | 0.9307% | 3,597 |
| Return on Equity (ROE) | 8.9715% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.1256% | 2,385 |
| Net charge-offs to loans | -0.0389% | 4,258 |
| Credit loss provision to net charge-offs | 87.6419% | 1,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8214% | 1,780 |
| Assets per employee ($millions) | 15.8233% | 174 |
| Cash dividends to net income (ytd only)* | 20.5750% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 3,849 |
| Loan loss allowance to noncurrent loans | 303.9435% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 2,910 |
| Noncurrent loans to loans | 0.3262% | 2,746 |
| Net loans and leases to total assets | 62.5987% | 2,109 |
| Net loans and leases to deposits | 70.5147% | 2,361 |
| Net loans and leases to core deposits | 71.1890% | 2,670 |
| Total domestic deposits to total assets | 88.7740% | 1,401 |
| Equity capital to assets | 7.7128% | 4,672 |
| Core capital (leverage) ratio | 7.1092% | 4,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8919% | 2,748 |
| Memoranda: | ||
| Average total assets | $80,895,478,333 | 42 |
| Average earning assets | $76,687,254,333 | 41 |
| Average equity | $6,452,583,000 | 45 |
| Average total loans | $53,483,074,333 | 33 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3993% | 4,716 |
| Cost of funding earning assets | 0.1068% | 4,615 |
| Net interest margin | 2.2925% | 4,534 |
| Noninterest income to average assets | 0.7276% | 1,775 |
| Noninterest expense to average assets | 2.0486% | 3,565 |
| Loan and lease loss provision to assets | -0.0421% | 4,637 |
| Net operating income to assets | 0.6821% | 3,755 |
| Return on assets (ROA) | 0.6842% | 3,814 |
| Pretax return on assets | 0.8937% | 3,616 |
| Return on Equity (ROE) | 8.4272% | 3,206 |
| Retained earnings to average equity (ytd only) | 4.7066% | 3,314 |
| Net charge-offs to loans | -0.0322% | 4,206 |
| Credit loss provision to net charge-offs | 193.0233% | 898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5337% | 1,643 |
| Assets per employee ($millions) | 15.5417% | 180 |
| Cash dividends to net income (ytd only)* | 44.1497% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 3,927 |
| Loan loss allowance to noncurrent loans | 325.4456% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 3,168 |
| Noncurrent loans to loans | 0.3007% | 3,019 |
| Net loans and leases to total assets | 65.5791% | 1,850 |
| Net loans and leases to deposits | 73.9565% | 2,126 |
| Net loans and leases to core deposits | 74.7578% | 2,449 |
| Total domestic deposits to total assets | 88.6726% | 1,525 |
| Equity capital to assets | 7.8714% | 4,562 |
| Core capital (leverage) ratio | 7.4336% | 4,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1041% | 2,630 |
| Memoranda: | ||
| Average total assets | $78,865,504,500 | 42 |
| Average earning assets | $74,648,847,500 | 41 |
| Average equity | $6,402,658,000 | 45 |
| Average total loans | $53,367,804,500 | 34 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8009% | 4,752 |
| Cost of funding earning assets | 0.2129% | 4,540 |
| Net interest margin | 2.5880% | 4,514 |
| Noninterest income to average assets | 0.8000% | 1,530 |
| Noninterest expense to average assets | 2.1885% | 3,694 |
| Loan and lease loss provision to assets | 0.2153% | 1,822 |
| Net operating income to assets | 0.6185% | 3,681 |
| Return on assets (ROA) | 0.6188% | 3,807 |
| Pretax return on assets | 0.8273% | 3,559 |
| Return on Equity (ROE) | 7.2469% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.2469% | 1,298 |
| Net charge-offs to loans | 0.0791% | 1,685 |
| Credit loss provision to net charge-offs | 395.5070% | 1,442 |
| Earnings coverage of net charge-offs (x) | 19.1416% | 1,997 |
| Efficiency ratio | 67.5717% | 2,283 |
| Assets per employee ($millions) | 14.4107% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,835 |
| Loan loss allowance to noncurrent loans | 367.6135% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 3,335 |
| Noncurrent loans to loans | 0.2744% | 3,208 |
| Net loans and leases to total assets | 68.5118% | 1,762 |
| Net loans and leases to deposits | 77.8188% | 2,093 |
| Net loans and leases to core deposits | 79.1722% | 2,433 |
| Total domestic deposits to total assets | 88.0402% | 1,454 |
| Equity capital to assets | 8.3823% | 4,531 |
| Core capital (leverage) ratio | 7.4903% | 4,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0166% | 2,621 |
| Memoranda: | ||
| Average total assets | $69,612,012,000 | 40 |
| Average earning assets | $65,382,605,000 | 40 |
| Average equity | $5,944,540,200 | 45 |
| Average total loans | $47,937,839,400 | 34 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8950% | 4,795 |
| Cost of funding earning assets | 0.2451% | 4,529 |
| Net interest margin | 2.6499% | 4,527 |
| Noninterest income to average assets | 0.7922% | 1,526 |
| Noninterest expense to average assets | 2.1509% | 3,815 |
| Loan and lease loss provision to assets | 0.2782% | 1,445 |
| Net operating income to assets | 0.6328% | 3,687 |
| Return on assets (ROA) | 0.6333% | 3,773 |
| Pretax return on assets | 0.8498% | 3,515 |
| Return on Equity (ROE) | 7.3778% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.3778% | 1,549 |
| Net charge-offs to loans | 0.1105% | 1,236 |
| Credit loss provision to net charge-offs | 366.1829% | 1,553 |
| Earnings coverage of net charge-offs (x) | 14.8373% | 2,129 |
| Efficiency ratio | 65.4419% | 2,531 |
| Assets per employee ($millions) | 13.7498% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 3,515 |
| Loan loss allowance to noncurrent loans | 271.2986% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 3,120 |
| Noncurrent loans to loans | 0.3835% | 2,914 |
| Net loans and leases to total assets | 68.2757% | 2,199 |
| Net loans and leases to deposits | 77.8808% | 2,542 |
| Net loans and leases to core deposits | 79.5877% | 2,879 |
| Total domestic deposits to total assets | 87.6669% | 1,362 |
| Equity capital to assets | 8.6517% | 4,369 |
| Core capital (leverage) ratio | 7.8870% | 4,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3776% | 2,466 |
| Memoranda: | ||
| Average total assets | $67,949,676,250 | 40 |
| Average earning assets | $63,746,823,750 | 40 |
| Average equity | $5,832,555,500 | 45 |
| Average total loans | $46,727,182,000 | 34 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0381% | 4,823 |
| Cost of funding earning assets | 0.3004% | 4,483 |
| Net interest margin | 2.7377% | 4,523 |
| Noninterest income to average assets | 0.7195% | 1,669 |
| Noninterest expense to average assets | 2.1320% | 3,967 |
| Loan and lease loss provision to assets | 0.3754% | 1,110 |
| Net operating income to assets | 0.5700% | 3,831 |
| Return on assets (ROA) | 0.5709% | 3,907 |
| Pretax return on assets | 0.7796% | 3,649 |
| Return on Equity (ROE) | 6.6709% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.6709% | 1,789 |
| Net charge-offs to loans | 0.0885% | 1,365 |
| Credit loss provision to net charge-offs | 617.6929% | 1,087 |
| Earnings coverage of net charge-offs (x) | 18.9842% | 1,745 |
| Efficiency ratio | 64.7135% | 2,713 |
| Assets per employee ($millions) | 13.3215% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 3,236 |
| Loan loss allowance to noncurrent loans | 255.6729% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 3,172 |
| Noncurrent loans to loans | 0.4181% | 2,913 |
| Net loans and leases to total assets | 68.1412% | 2,327 |
| Net loans and leases to deposits | 78.1200% | 2,639 |
| Net loans and leases to core deposits | 79.8799% | 2,958 |
| Total domestic deposits to total assets | 87.2263% | 1,533 |
| Equity capital to assets | 8.6628% | 4,379 |
| Core capital (leverage) ratio | 7.9774% | 4,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4675% | 2,414 |
| Memoranda: | ||
| Average total assets | $66,271,567,000 | 40 |
| Average earning assets | $62,121,648,000 | 40 |
| Average equity | $5,671,962,000 | 44 |
| Average total loans | $45,518,157,667 | 35 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3041% | 4,807 |
| Cost of funding earning assets | 0.4446% | 4,177 |
| Net interest margin | 2.8595% | 4,489 |
| Noninterest income to average assets | 0.5506% | 2,280 |
| Noninterest expense to average assets | 2.1379% | 4,143 |
| Loan and lease loss provision to assets | 0.2406% | 1,292 |
| Net operating income to assets | 0.6144% | 3,561 |
| Return on assets (ROA) | 0.6152% | 3,615 |
| Pretax return on assets | 0.8512% | 3,281 |
| Return on Equity (ROE) | 7.2377% | 2,858 |
| Retained earnings to average equity (ytd only) | 7.2377% | 1,463 |
| Net charge-offs to loans | 0.0357% | 1,698 |
| Credit loss provision to net charge-offs | 983.3890% | 582 |
| Earnings coverage of net charge-offs (x) | 44.5784% | 971 |
| Efficiency ratio | 65.9311% | 2,973 |
| Assets per employee ($millions) | 12.6593% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,605 |
| Loan loss allowance to noncurrent loans | 230.7758% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 3,252 |
| Noncurrent loans to loans | 0.4415% | 2,934 |
| Net loans and leases to total assets | 67.2292% | 2,666 |
| Net loans and leases to deposits | 79.3403% | 2,745 |
| Net loans and leases to core deposits | 81.4097% | 3,072 |
| Total domestic deposits to total assets | 84.7353% | 2,519 |
| Equity capital to assets | 8.4151% | 4,868 |
| Core capital (leverage) ratio | 7.7704% | 5,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9822% | 3,104 |
| Memoranda: | ||
| Average total assets | $63,672,521,500 | 40 |
| Average earning assets | $59,633,454,500 | 40 |
| Average equity | $5,412,299,000 | 46 |
| Average total loans | $43,663,987,000 | 36 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 4,499 |
| Cost of funding earning assets | 0.4868% | 4,147 |
| Net interest margin | 3.3685% | 3,831 |
| Noninterest income to average assets | 1.0011% | 969 |
| Noninterest expense to average assets | 2.5849% | 3,218 |
| Loan and lease loss provision to assets | 0.1201% | 1,769 |
| Net operating income to assets | 1.1094% | 2,405 |
| Return on assets (ROA) | 1.1249% | 2,451 |
| Pretax return on assets | 1.4854% | 1,849 |
| Return on Equity (ROE) | 12.6300% | 1,289 |
| Retained earnings to average equity (ytd only) | 12.6300% | 189 |
| Net charge-offs to loans | 0.0656% | 2,154 |
| Credit loss provision to net charge-offs | 260.9050% | 1,060 |
| Earnings coverage of net charge-offs (x) | 34.4466% | 1,443 |
| Efficiency ratio | 61.8370% | 3,408 |
| Assets per employee ($millions) | 11.7967% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 3,560 |
| Loan loss allowance to noncurrent loans | 235.3786% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 3,263 |
| Noncurrent loans to loans | 0.4218% | 2,934 |
| Net loans and leases to total assets | 68.5914% | 2,603 |
| Net loans and leases to deposits | 84.7360% | 2,243 |
| Net loans and leases to core deposits | 86.4288% | 2,760 |
| Total domestic deposits to total assets | 80.9473% | 3,777 |
| Equity capital to assets | 8.5916% | 4,874 |
| Core capital (leverage) ratio | 7.8434% | 5,068 |
| Tier 1 risk-based capital ratio | 10.3313% | 5,071 |
| Total risk-based capital ratio | 12.3678% | 4,703 |
| Memoranda: | ||
| Average total assets | $55,445,361,400 | 40 |
| Average earning assets | $52,172,386,400 | 40 |
| Average equity | $4,938,340,200 | 47 |
| Average total loans | $38,930,754,800 | 36 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 4,434 |
| Cost of funding earning assets | 0.5118% | 4,093 |
| Net interest margin | 3.4495% | 3,733 |
| Noninterest income to average assets | 0.9905% | 954 |
| Noninterest expense to average assets | 2.5740% | 3,236 |
| Loan and lease loss provision to assets | 0.1111% | 1,759 |
| Net operating income to assets | 1.1739% | 2,291 |
| Return on assets (ROA) | 1.1950% | 2,288 |
| Pretax return on assets | 1.5810% | 1,699 |
| Return on Equity (ROE) | 13.2833% | 1,182 |
| Retained earnings to average equity (ytd only) | 13.2833% | 258 |
| Net charge-offs to loans | 0.0670% | 1,869 |
| Credit loss provision to net charge-offs | 235.1978% | 1,149 |
| Earnings coverage of net charge-offs (x) | 35.2641% | 1,474 |
| Efficiency ratio | 60.5897% | 3,525 |
| Assets per employee ($millions) | 11.2581% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 3,598 |
| Loan loss allowance to noncurrent loans | 371.1600% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 3,816 |
| Noncurrent loans to loans | 0.2678% | 3,582 |
| Net loans and leases to total assets | 69.6013% | 2,535 |
| Net loans and leases to deposits | 82.2464% | 2,654 |
| Net loans and leases to core deposits | 83.3840% | 3,140 |
| Total domestic deposits to total assets | 84.6253% | 2,570 |
| Equity capital to assets | 8.8452% | 4,852 |
| Core capital (leverage) ratio | 8.0913% | 5,095 |
| Tier 1 risk-based capital ratio | 10.4984% | 5,079 |
| Total risk-based capital ratio | 12.5849% | 4,647 |
| Memoranda: | ||
| Average total assets | $53,959,166,000 | 41 |
| Average earning assets | $50,820,972,250 | 41 |
| Average equity | $4,854,322,750 | 48 |
| Average total loans | $38,030,794,750 | 37 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 4,329 |
| Cost of funding earning assets | 0.5014% | 4,109 |
| Net interest margin | 3.5243% | 3,517 |
| Noninterest income to average assets | 0.9987% | 873 |
| Noninterest expense to average assets | 2.6069% | 3,184 |
| Loan and lease loss provision to assets | 0.1425% | 1,303 |
| Net operating income to assets | 1.1692% | 2,261 |
| Return on assets (ROA) | 1.1765% | 2,309 |
| Pretax return on assets | 1.5813% | 1,604 |
| Return on Equity (ROE) | 12.9966% | 1,247 |
| Retained earnings to average equity (ytd only) | 12.9966% | 303 |
| Net charge-offs to loans | 0.0677% | 1,691 |
| Credit loss provision to net charge-offs | 298.4061% | 908 |
| Earnings coverage of net charge-offs (x) | 35.9040% | 1,314 |
| Efficiency ratio | 60.1942% | 3,696 |
| Assets per employee ($millions) | 10.9198% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,332 |
| Loan loss allowance to noncurrent loans | 440.6271% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 3,932 |
| Noncurrent loans to loans | 0.2384% | 3,683 |
| Net loans and leases to total assets | 69.4698% | 2,606 |
| Net loans and leases to deposits | 85.0707% | 2,361 |
| Net loans and leases to core deposits | 86.2862% | 2,937 |
| Total domestic deposits to total assets | 81.6613% | 3,613 |
| Equity capital to assets | 9.0260% | 4,782 |
| Core capital (leverage) ratio | 8.2979% | 5,059 |
| Tier 1 risk-based capital ratio | 10.7524% | 5,015 |
| Total risk-based capital ratio | 13.0207% | 4,433 |
| Memoranda: | ||
| Average total assets | $52,547,856,000 | 41 |
| Average earning assets | $49,545,257,330 | 41 |
| Average equity | $4,756,664,330 | 49 |
| Average total loans | $37,071,110,330 | 38 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 4,449 |
| Cost of funding earning assets | 0.4612% | 4,239 |
| Net interest margin | 3.5023% | 3,586 |
| Noninterest income to average assets | 0.9864% | 836 |
| Noninterest expense to average assets | 2.6696% | 2,999 |
| Loan and lease loss provision to assets | 0.1276% | 1,369 |
| Net operating income to assets | 1.1125% | 2,423 |
| Return on assets (ROA) | 1.1134% | 2,465 |
| Pretax return on assets | 1.4953% | 1,785 |
| Return on Equity (ROE) | 12.2807% | 1,442 |
| Retained earnings to average equity (ytd only) | 12.2807% | 562 |
| Net charge-offs to loans | 0.0711% | 1,349 |
| Credit loss provision to net charge-offs | 253.8724% | 914 |
| Earnings coverage of net charge-offs (x) | 32.2679% | 1,286 |
| Efficiency ratio | 62.0752% | 3,525 |
| Assets per employee ($millions) | 10.4471% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,326 |
| Loan loss allowance to noncurrent loans | 355.9671% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 3,775 |
| Noncurrent loans to loans | 0.2995% | 3,487 |
| Net loans and leases to total assets | 70.0096% | 2,475 |
| Net loans and leases to deposits | 88.5469% | 1,803 |
| Net loans and leases to core deposits | 89.6555% | 2,536 |
| Total domestic deposits to total assets | 79.0650% | 4,340 |
| Equity capital to assets | 9.1489% | 4,581 |
| Core capital (leverage) ratio | 8.4519% | 5,036 |
| Tier 1 risk-based capital ratio | 10.9259% | 5,012 |
| Total risk-based capital ratio | 13.2746% | 4,339 |
| Memoranda: | ||
| Average total assets | $51,276,517,000 | 44 |
| Average earning assets | $48,386,593,500 | 43 |
| Average equity | $4,648,769,500 | 50 |
| Average total loans | $36,267,874,500 | 39 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6964% | 4,674 |
| Cost of funding earning assets | 0.2157% | 4,943 |
| Net interest margin | 3.4807% | 3,769 |
| Noninterest income to average assets | 1.1022% | 762 |
| Noninterest expense to average assets | 2.6334% | 3,233 |
| Loan and lease loss provision to assets | 0.0636% | 2,889 |
| Net operating income to assets | 1.2657% | 1,928 |
| Return on assets (ROA) | 1.2660% | 1,924 |
| Pretax return on assets | 1.6907% | 1,194 |
| Return on Equity (ROE) | 14.6691% | 906 |
| Retained earnings to average equity (ytd only) | 14.6691% | 133 |
| Net charge-offs to loans | 0.0768% | 2,027 |
| Credit loss provision to net charge-offs | 120.4828% | 2,161 |
| Earnings coverage of net charge-offs (x) | 33.2206% | 1,502 |
| Efficiency ratio | 59.9199% | 3,872 |
| Assets per employee ($millions) | 10.3246% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 3,293 |
| Loan loss allowance to noncurrent loans | 355.7950% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 3,764 |
| Noncurrent loans to loans | 0.2996% | 3,486 |
| Net loans and leases to total assets | 69.9417% | 2,569 |
| Net loans and leases to deposits | 86.0060% | 2,270 |
| Net loans and leases to core deposits | 86.9744% | 2,843 |
| Total domestic deposits to total assets | 81.3219% | 3,822 |
| Equity capital to assets | 8.9814% | 4,596 |
| Core capital (leverage) ratio | 8.3280% | 5,103 |
| Tier 1 risk-based capital ratio | 10.7846% | 5,077 |
| Total risk-based capital ratio | 13.1596% | 4,376 |
| Memoranda: | ||
| Average total assets | $48,647,525,400 | 45 |
| Average earning assets | $45,914,839,200 | 43 |
| Average equity | $4,198,489,600 | 52 |
| Average total loans | $33,430,234,400 | 39 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6098% | 4,783 |
| Cost of funding earning assets | 0.1887% | 5,058 |
| Net interest margin | 3.4211% | 3,942 |
| Noninterest income to average assets | 1.1498% | 709 |
| Noninterest expense to average assets | 2.6074% | 3,262 |
| Loan and lease loss provision to assets | 0.0400% | 3,203 |
| Net operating income to assets | 1.2561% | 2,017 |
| Return on assets (ROA) | 1.2561% | 2,026 |
| Pretax return on assets | 1.7303% | 1,205 |
| Return on Equity (ROE) | 14.7120% | 933 |
| Retained earnings to average equity (ytd only) | 14.7120% | 189 |
| Net charge-offs to loans | 0.0338% | 2,411 |
| Credit loss provision to net charge-offs | 173.3702% | 1,543 |
| Earnings coverage of net charge-offs (x) | 76.7296% | 899 |
| Efficiency ratio | 59.4831% | 3,888 |
| Assets per employee ($millions) | 10.1263% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,063 |
| Loan loss allowance to noncurrent loans | 440.2620% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 4,031 |
| Noncurrent loans to loans | 0.2549% | 3,779 |
| Net loans and leases to total assets | 69.7479% | 2,687 |
| Net loans and leases to deposits | 80.1447% | 3,027 |
| Net loans and leases to core deposits | 80.8817% | 3,419 |
| Total domestic deposits to total assets | 87.0275% | 1,717 |
| Equity capital to assets | 8.9359% | 4,606 |
| Core capital (leverage) ratio | 8.1872% | 5,258 |
| Tier 1 risk-based capital ratio | 10.8336% | 5,114 |
| Total risk-based capital ratio | 13.3100% | 4,353 |
| Memoranda: | ||
| Average total assets | $48,133,427,250 | 44 |
| Average earning assets | $45,415,249,500 | 43 |
| Average equity | $4,109,629,000 | 52 |
| Average total loans | $32,826,481,250 | 39 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5119% | 4,906 |
| Cost of funding earning assets | 0.1582% | 5,210 |
| Net interest margin | 3.3537% | 4,092 |
| Noninterest income to average assets | 1.1618% | 713 |
| Noninterest expense to average assets | 2.5511% | 3,474 |
| Loan and lease loss provision to assets | 0.0661% | 2,580 |
| Net operating income to assets | 1.2349% | 2,036 |
| Return on assets (ROA) | 1.2349% | 2,032 |
| Pretax return on assets | 1.7126% | 1,184 |
| Return on Equity (ROE) | 14.6935% | 919 |
| Retained earnings to average equity (ytd only) | 14.6935% | 223 |
| Net charge-offs to loans | 0.0480% | 1,925 |
| Credit loss provision to net charge-offs | 204.0766% | 1,287 |
| Earnings coverage of net charge-offs (x) | 54.9489% | 1,059 |
| Efficiency ratio | 58.8407% | 4,108 |
| Assets per employee ($millions) | 10.3504% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 2,994 |
| Loan loss allowance to noncurrent loans | 377.9863% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2130% | 3,935 |
| Noncurrent loans to loans | 0.3037% | 3,617 |
| Net loans and leases to total assets | 68.6853% | 2,767 |
| Net loans and leases to deposits | 78.4375% | 3,112 |
| Net loans and leases to core deposits | 79.2542% | 3,476 |
| Total domestic deposits to total assets | 87.5670% | 1,605 |
| Equity capital to assets | 8.6390% | 4,850 |
| Core capital (leverage) ratio | 8.0847% | 5,319 |
| Tier 1 risk-based capital ratio | 10.6332% | 5,216 |
| Total risk-based capital ratio | 13.2529% | 4,370 |
| Memoranda: | ||
| Average total assets | $48,046,779,000 | 43 |
| Average earning assets | $45,384,165,000 | 43 |
| Average equity | $4,038,042,330 | 53 |
| Average total loans | $32,389,824,000 | 41 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4284% | 4,979 |
| Cost of funding earning assets | 0.1385% | 5,320 |
| Net interest margin | 3.2899% | 4,220 |
| Noninterest income to average assets | 1.0423% | 838 |
| Noninterest expense to average assets | 2.5251% | 3,573 |
| Loan and lease loss provision to assets | 0.1383% | 1,366 |
| Net operating income to assets | 1.0690% | 2,568 |
| Return on assets (ROA) | 1.0690% | 2,577 |
| Pretax return on assets | 1.4912% | 1,699 |
| Return on Equity (ROE) | 12.9011% | 1,298 |
| Retained earnings to average equity (ytd only) | 12.9011% | 536 |
| Net charge-offs to loans | 0.0737% | 1,385 |
| Credit loss provision to net charge-offs | 282.7869% | 852 |
| Earnings coverage of net charge-offs (x) | 33.3297% | 1,179 |
| Efficiency ratio | 60.6960% | 3,982 |
| Assets per employee ($millions) | 10.6518% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,815 |
| Loan loss allowance to noncurrent loans | 313.1259% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 3,822 |
| Noncurrent loans to loans | 0.3827% | 3,409 |
| Net loans and leases to total assets | 66.9178% | 2,900 |
| Net loans and leases to deposits | 75.9769% | 3,214 |
| Net loans and leases to core deposits | 76.6843% | 3,607 |
| Total domestic deposits to total assets | 88.0766% | 1,578 |
| Equity capital to assets | 8.3984% | 5,048 |
| Core capital (leverage) ratio | 7.7213% | 5,465 |
| Tier 1 risk-based capital ratio | 10.3892% | 5,385 |
| Total risk-based capital ratio | 13.0841% | 4,548 |
| Memoranda: | ||
| Average total assets | $47,912,383,000 | 45 |
| Average earning assets | $45,325,904,500 | 44 |
| Average equity | $3,970,080,500 | 54 |
| Average total loans | $31,799,218,500 | 42 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0989% | 5,292 |
| Cost of funding earning assets | 0.1125% | 5,445 |
| Net interest margin | 2.9864% | 4,916 |
| Noninterest income to average assets | 0.9843% | 1,057 |
| Noninterest expense to average assets | 2.4292% | 3,992 |
| Loan and lease loss provision to assets | 0.0268% | 3,757 |
| Net operating income to assets | 0.6858% | 3,653 |
| Return on assets (ROA) | 0.6860% | 3,707 |
| Pretax return on assets | 1.3534% | 2,157 |
| Return on Equity (ROE) | 8.4692% | 2,566 |
| Retained earnings to average equity (ytd only) | 8.4692% | 629 |
| Net charge-offs to loans | 0.0689% | 2,466 |
| Credit loss provision to net charge-offs | 62.5623% | 3,189 |
| Earnings coverage of net charge-offs (x) | 32.1738% | 1,475 |
| Efficiency ratio | 63.6805% | 3,648 |
| Assets per employee ($millions) | 10.6734% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,669 |
| Loan loss allowance to noncurrent loans | 320.0634% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 3,888 |
| Noncurrent loans to loans | 0.3805% | 3,392 |
| Net loans and leases to total assets | 64.2191% | 3,345 |
| Net loans and leases to deposits | 72.6006% | 3,636 |
| Net loans and leases to core deposits | 73.2988% | 3,938 |
| Total domestic deposits to total assets | 88.4553% | 1,269 |
| Equity capital to assets | 8.1740% | 5,317 |
| Core capital (leverage) ratio | 7.3406% | 5,579 |
| Tier 1 risk-based capital ratio | 10.3685% | 5,420 |
| Total risk-based capital ratio | 13.1287% | 4,493 |
| Memoranda: | ||
| Average total assets | $46,808,349,000 | 43 |
| Average earning assets | $44,276,238,000 | 43 |
| Average equity | $3,791,363,400 | 52 |
| Average total loans | $29,117,983,200 | 42 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0500% | 5,381 |
| Cost of funding earning assets | 0.1119% | 5,512 |
| Net interest margin | 2.9381% | 5,039 |
| Noninterest income to average assets | 0.9575% | 1,124 |
| Noninterest expense to average assets | 2.3734% | 4,086 |
| Loan and lease loss provision to assets | 0.0461% | 3,179 |
| Net operating income to assets | 0.8477% | 3,281 |
| Return on assets (ROA) | 0.8479% | 3,333 |
| Pretax return on assets | 1.3171% | 2,409 |
| Return on Equity (ROE) | 10.4926% | 1,907 |
| Retained earnings to average equity (ytd only) | 10.4926% | 493 |
| Net charge-offs to loans | 0.0476% | 2,489 |
| Credit loss provision to net charge-offs | 157.7323% | 1,620 |
| Earnings coverage of net charge-offs (x) | 46.6082% | 1,168 |
| Efficiency ratio | 63.4280% | 3,654 |
| Assets per employee ($millions) | 10.8419% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 2,293 |
| Loan loss allowance to noncurrent loans | 332.0648% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 4,055 |
| Noncurrent loans to loans | 0.3956% | 3,538 |
| Net loans and leases to total assets | 62.0209% | 3,648 |
| Net loans and leases to deposits | 70.2812% | 3,937 |
| Net loans and leases to core deposits | 70.9277% | 4,192 |
| Total domestic deposits to total assets | 88.2468% | 1,232 |
| Equity capital to assets | 8.2435% | 5,423 |
| Core capital (leverage) ratio | 7.5036% | 5,619 |
| Tier 1 risk-based capital ratio | 10.6064% | 5,418 |
| Total risk-based capital ratio | 13.4724% | 4,377 |
| Memoranda: | ||
| Average total assets | $46,526,883,250 | 44 |
| Average earning assets | $44,004,180,250 | 43 |
| Average equity | $3,759,671,250 | 51 |
| Average total loans | $28,606,867,750 | 42 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9665% | 5,461 |
| Cost of funding earning assets | 0.1132% | 5,544 |
| Net interest margin | 2.8533% | 5,162 |
| Noninterest income to average assets | 0.9425% | 1,149 |
| Noninterest expense to average assets | 2.3626% | 4,171 |
| Loan and lease loss provision to assets | 0.0706% | 2,562 |
| Net operating income to assets | 0.7772% | 3,507 |
| Return on assets (ROA) | 0.7775% | 3,557 |
| Pretax return on assets | 1.2096% | 2,733 |
| Return on Equity (ROE) | 9.6888% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.6888% | 647 |
| Net charge-offs to loans | 0.0890% | 1,722 |
| Credit loss provision to net charge-offs | 130.0359% | 1,684 |
| Earnings coverage of net charge-offs (x) | 23.5675% | 1,677 |
| Efficiency ratio | 64.7675% | 3,545 |
| Assets per employee ($millions) | 10.7342% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3565% | 2,135 |
| Loan loss allowance to noncurrent loans | 397.1980% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 4,305 |
| Noncurrent loans to loans | 0.3415% | 3,820 |
| Net loans and leases to total assets | 61.5888% | 3,676 |
| Net loans and leases to deposits | 69.8065% | 3,927 |
| Net loans and leases to core deposits | 70.4448% | 4,194 |
| Total domestic deposits to total assets | 88.2279% | 1,340 |
| Equity capital to assets | 8.2308% | 5,430 |
| Core capital (leverage) ratio | 7.4534% | 5,664 |
| Tier 1 risk-based capital ratio | 10.5006% | 5,457 |
| Total risk-based capital ratio | 13.5478% | 4,317 |
| Memoranda: | ||
| Average total assets | $46,170,552,670 | 43 |
| Average earning assets | $43,686,066,330 | 43 |
| Average equity | $3,705,043,000 | 52 |
| Average total loans | $28,171,715,670 | 42 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8841% | 5,551 |
| Cost of funding earning assets | 0.1124% | 5,603 |
| Net interest margin | 2.7717% | 5,300 |
| Noninterest income to average assets | 0.9028% | 1,231 |
| Noninterest expense to average assets | 2.3475% | 4,269 |
| Loan and lease loss provision to assets | -0.0050% | 5,646 |
| Net operating income to assets | 0.7546% | 3,457 |
| Return on assets (ROA) | 0.7547% | 3,507 |
| Pretax return on assets | 1.1861% | 2,649 |
| Return on Equity (ROE) | 9.5274% | 2,168 |
| Retained earnings to average equity (ytd only) | 9.5274% | 915 |
| Net charge-offs to loans | 0.0072% | 2,719 |
| Credit loss provision to net charge-offs | -115.9363% | 3,965 |
| Earnings coverage of net charge-offs (x) | 271.4223% | 216 |
| Efficiency ratio | 66.4291% | 3,422 |
| Assets per employee ($millions) | 11.1304% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 2,225 |
| Loan loss allowance to noncurrent loans | 325.1942% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 4,128 |
| Noncurrent loans to loans | 0.4203% | 3,586 |
| Net loans and leases to total assets | 60.4665% | 3,735 |
| Net loans and leases to deposits | 68.1428% | 3,978 |
| Net loans and leases to core deposits | 68.7672% | 4,239 |
| Total domestic deposits to total assets | 88.7350% | 1,297 |
| Equity capital to assets | 8.0257% | 5,507 |
| Core capital (leverage) ratio | 7.3091% | 5,736 |
| Tier 1 risk-based capital ratio | 10.4061% | 5,584 |
| Total risk-based capital ratio | 13.4887% | 4,456 |
| Memoranda: | ||
| Average total assets | $46,150,485,500 | 43 |
| Average earning assets | $43,719,854,500 | 42 |
| Average equity | $3,655,804,500 | 51 |
| Average total loans | $27,831,573,000 | 43 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8999% | 5,579 |
| Cost of funding earning assets | 0.0953% | 5,724 |
| Net interest margin | 2.8046% | 5,277 |
| Noninterest income to average assets | 0.9010% | 1,411 |
| Noninterest expense to average assets | 2.4815% | 4,072 |
| Loan and lease loss provision to assets | 0.2025% | 1,133 |
| Net operating income to assets | 0.5937% | 4,235 |
| Return on assets (ROA) | 0.5983% | 4,324 |
| Pretax return on assets | 0.8699% | 3,943 |
| Return on Equity (ROE) | 7.7456% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.7456% | 944 |
| Net charge-offs to loans | 0.0405% | 3,219 |
| Credit loss provision to net charge-offs | 816.5593% | 454 |
| Earnings coverage of net charge-offs (x) | 42.9749% | 1,123 |
| Efficiency ratio | 69.8082% | 2,934 |
| Assets per employee ($millions) | 11.3823% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 1,984 |
| Loan loss allowance to noncurrent loans | 324.5273% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 4,161 |
| Noncurrent loans to loans | 0.4389% | 3,573 |
| Net loans and leases to total assets | 58.4619% | 4,024 |
| Net loans and leases to deposits | 65.8287% | 4,255 |
| Net loans and leases to core deposits | 75.7489% | 3,766 |
| Total domestic deposits to total assets | 88.8091% | 1,203 |
| Equity capital to assets | 7.8172% | 5,630 |
| Core capital (leverage) ratio | 6.8589% | 5,821 |
| Tier 1 risk-based capital ratio | 10.4184% | 5,607 |
| Total risk-based capital ratio | 13.5577% | 4,386 |
| Memoranda: | ||
| Average total assets | $41,931,099,600 | 46 |
| Average earning assets | $39,562,960,400 | 44 |
| Average equity | $3,239,135,800 | 57 |
| Average total loans | $25,691,261,600 | 43 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8820% | 5,665 |
| Cost of funding earning assets | 0.0882% | 5,815 |
| Net interest margin | 2.7938% | 5,368 |
| Noninterest income to average assets | 0.8615% | 1,543 |
| Noninterest expense to average assets | 2.4597% | 4,109 |
| Loan and lease loss provision to assets | 0.2409% | 793 |
| Net operating income to assets | 0.5384% | 4,541 |
| Return on assets (ROA) | 0.5428% | 4,632 |
| Pretax return on assets | 0.7999% | 4,312 |
| Return on Equity (ROE) | 7.0499% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.0499% | 1,603 |
| Net charge-offs to loans | -0.0206% | 5,011 |
| Credit loss provision to net charge-offs | -1,893.5401% | 5,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2307% | 2,852 |
| Assets per employee ($millions) | 11.5007% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5069% | 1,742 |
| Loan loss allowance to noncurrent loans | 618.6857% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,779 |
| Noncurrent loans to loans | 0.2436% | 4,399 |
| Net loans and leases to total assets | 57.3980% | 4,151 |
| Net loans and leases to deposits | 64.2566% | 4,467 |
| Net loans and leases to core deposits | 74.1670% | 3,985 |
| Total domestic deposits to total assets | 89.3263% | 750 |
| Equity capital to assets | 7.1121% | 5,878 |
| Core capital (leverage) ratio | 6.4602% | 5,909 |
| Tier 1 risk-based capital ratio | 9.1878% | 5,909 |
| Total risk-based capital ratio | 12.3691% | 5,216 |
| Memoranda: | ||
| Average total assets | $40,883,643,750 | 46 |
| Average earning assets | $38,524,070,500 | 44 |
| Average equity | $3,147,580,750 | 59 |
| Average total loans | $25,275,880,750 | 43 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9222% | 5,716 |
| Cost of funding earning assets | 0.0861% | 5,907 |
| Net interest margin | 2.8361% | 5,370 |
| Noninterest income to average assets | 0.8655% | 1,490 |
| Noninterest expense to average assets | 2.5011% | 4,022 |
| Loan and lease loss provision to assets | 0.1127% | 1,994 |
| Net operating income to assets | 0.6005% | 4,267 |
| Return on assets (ROA) | 0.6068% | 4,368 |
| Pretax return on assets | 0.9320% | 3,828 |
| Return on Equity (ROE) | 7.6570% | 3,169 |
| Retained earnings to average equity (ytd only) | 7.6570% | 1,310 |
| Net charge-offs to loans | 0.0013% | 3,664 |
| Credit loss provision to net charge-offs | 14,122.9299% | 21 |
| Earnings coverage of net charge-offs (x) | 1,296.5924% | 32 |
| Efficiency ratio | 70.6077% | 2,892 |
| Assets per employee ($millions) | 11.0210% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 2,685 |
| Loan loss allowance to noncurrent loans | 780.2812% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 4,938 |
| Noncurrent loans to loans | 0.1690% | 4,762 |
| Net loans and leases to total assets | 61.2363% | 3,720 |
| Net loans and leases to deposits | 68.4127% | 4,142 |
| Net loans and leases to core deposits | 77.4537% | 3,692 |
| Total domestic deposits to total assets | 89.5101% | 676 |
| Equity capital to assets | 7.6196% | 5,895 |
| Core capital (leverage) ratio | 6.7057% | 5,963 |
| Tier 1 risk-based capital ratio | 9.2034% | 5,984 |
| Total risk-based capital ratio | 11.1136% | 5,847 |
| Memoranda: | ||
| Average total assets | $39,338,323,330 | 47 |
| Average earning assets | $37,043,631,670 | 45 |
| Average equity | $3,117,647,670 | 60 |
| Average total loans | $24,858,807,000 | 44 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9671% | 5,720 |
| Cost of funding earning assets | 0.1031% | 5,904 |
| Net interest margin | 2.8639% | 5,373 |
| Noninterest income to average assets | 0.8599% | 1,417 |
| Noninterest expense to average assets | 2.6451% | 3,590 |
| Loan and lease loss provision to assets | 0.0731% | 2,498 |
| Net operating income to assets | 0.5355% | 4,484 |
| Return on assets (ROA) | 0.5485% | 4,533 |
| Pretax return on assets | 0.8579% | 4,012 |
| Return on Equity (ROE) | 6.7763% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.7763% | 1,990 |
| Net charge-offs to loans | -0.0391% | 5,197 |
| Credit loss provision to net charge-offs | -292.6675% | 4,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2556% | 2,433 |
| Assets per employee ($millions) | 10.8065% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 2,759 |
| Loan loss allowance to noncurrent loans | 589.2605% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 4,829 |
| Noncurrent loans to loans | 0.2257% | 4,617 |
| Net loans and leases to total assets | 60.2878% | 3,732 |
| Net loans and leases to deposits | 67.2732% | 4,127 |
| Net loans and leases to core deposits | 74.2031% | 3,871 |
| Total domestic deposits to total assets | 89.6163% | 772 |
| Equity capital to assets | 7.7287% | 5,903 |
| Core capital (leverage) ratio | 7.2575% | 5,964 |
| Tier 1 risk-based capital ratio | 9.3856% | 6,018 |
| Total risk-based capital ratio | 11.3284% | 5,829 |
| Memoranda: | ||
| Average total assets | $38,017,985,000 | 48 |
| Average earning assets | $35,788,665,500 | 46 |
| Average equity | $3,077,153,500 | 62 |
| Average total loans | $24,263,283,000 | 44 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0564% | 5,685 |
| Cost of funding earning assets | 0.0865% | 6,012 |
| Net interest margin | 2.9699% | 5,208 |
| Noninterest income to average assets | 0.9622% | 1,288 |
| Noninterest expense to average assets | 2.7633% | 3,373 |
| Loan and lease loss provision to assets | 0.0430% | 3,470 |
| Net operating income to assets | 0.6359% | 4,107 |
| Return on assets (ROA) | 0.6443% | 4,153 |
| Pretax return on assets | 0.9530% | 3,639 |
| Return on Equity (ROE) | 7.5487% | 3,220 |
| Retained earnings to average equity (ytd only) | 6.7202% | 1,426 |
| Net charge-offs to loans | 0.0233% | 3,794 |
| Credit loss provision to net charge-offs | 280.2386% | 1,040 |
| Earnings coverage of net charge-offs (x) | 64.0754% | 834 |
| Efficiency ratio | 73.5842% | 2,644 |
| Assets per employee ($millions) | 9.9206% | 285 |
| Cash dividends to net income (ytd only)* | 10.9752% | 4,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 2,736 |
| Loan loss allowance to noncurrent loans | 577.5390% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 4,832 |
| Noncurrent loans to loans | 0.2310% | 4,596 |
| Net loans and leases to total assets | 65.9852% | 2,976 |
| Net loans and leases to deposits | 76.8678% | 3,168 |
| Net loans and leases to core deposits | 77.6358% | 3,588 |
| Total domestic deposits to total assets | 85.8424% | 2,717 |
| Equity capital to assets | 8.5285% | 5,539 |
| Core capital (leverage) ratio | 7.2156% | 6,023 |
| Tier 1 risk-based capital ratio | 9.4613% | 6,052 |
| Total risk-based capital ratio | 11.4241% | 5,830 |
| Memoranda: | ||
| Average total assets | $33,854,100,200 | 48 |
| Average earning assets | $31,742,959,400 | 47 |
| Average equity | $2,889,625,800 | 61 |
| Average total loans | $22,285,919,800 | 42 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0576% | 5,758 |
| Cost of funding earning assets | 0.0868% | 6,102 |
| Net interest margin | 2.9707% | 5,270 |
| Noninterest income to average assets | 0.9476% | 1,325 |
| Noninterest expense to average assets | 2.5158% | 4,142 |
| Loan and lease loss provision to assets | 0.0183% | 3,914 |
| Net operating income to assets | 0.7951% | 3,451 |
| Return on assets (ROA) | 0.8041% | 3,506 |
| Pretax return on assets | 1.2109% | 2,777 |
| Return on Equity (ROE) | 9.4180% | 2,345 |
| Retained earnings to average equity (ytd only) | 8.2982% | 1,126 |
| Net charge-offs to loans | -0.0315% | 5,377 |
| Credit loss provision to net charge-offs | -88.5084% | 5,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2481% | 3,669 |
| Assets per employee ($millions) | 10.0723% | 263 |
| Cash dividends to net income (ytd only)* | 11.8903% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 2,558 |
| Loan loss allowance to noncurrent loans | 552.7294% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 4,937 |
| Noncurrent loans to loans | 0.2546% | 4,663 |
| Net loans and leases to total assets | 64.0359% | 3,305 |
| Net loans and leases to deposits | 72.0671% | 3,759 |
| Net loans and leases to core deposits | 72.8206% | 4,115 |
| Total domestic deposits to total assets | 88.8560% | 1,093 |
| Equity capital to assets | 8.3678% | 5,789 |
| Core capital (leverage) ratio | 7.2880% | 6,092 |
| Tier 1 risk-based capital ratio | 9.6229% | 6,123 |
| Total risk-based capital ratio | 11.6333% | 5,862 |
| Memoranda: | ||
| Average total assets | $33,386,605,250 | 48 |
| Average earning assets | $31,285,872,000 | 46 |
| Average equity | $2,850,353,250 | 61 |
| Average total loans | $21,884,562,000 | 41 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0954% | 5,749 |
| Cost of funding earning assets | 0.0884% | 6,172 |
| Net interest margin | 3.0071% | 5,208 |
| Noninterest income to average assets | 0.9694% | 1,245 |
| Noninterest expense to average assets | 2.5572% | 4,053 |
| Loan and lease loss provision to assets | 0.0573% | 2,953 |
| Net operating income to assets | 0.7619% | 3,582 |
| Return on assets (ROA) | 0.7753% | 3,619 |
| Pretax return on assets | 1.1907% | 2,811 |
| Return on Equity (ROE) | 9.0164% | 2,531 |
| Retained earnings to average equity (ytd only) | 7.3158% | 1,564 |
| Net charge-offs to loans | 0.0094% | 3,577 |
| Credit loss provision to net charge-offs | 923.7438% | 388 |
| Earnings coverage of net charge-offs (x) | 197.9882% | 352 |
| Efficiency ratio | 67.3777% | 3,774 |
| Assets per employee ($millions) | 9.6515% | 296 |
| Cash dividends to net income (ytd only)* | 18.8611% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 2,495 |
| Loan loss allowance to noncurrent loans | 615.1285% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 5,030 |
| Noncurrent loans to loans | 0.2363% | 4,821 |
| Net loans and leases to total assets | 65.8047% | 2,986 |
| Net loans and leases to deposits | 74.1955% | 3,471 |
| Net loans and leases to core deposits | 74.9643% | 3,854 |
| Total domestic deposits to total assets | 88.6909% | 1,303 |
| Equity capital to assets | 8.5887% | 5,605 |
| Core capital (leverage) ratio | 7.4123% | 6,117 |
| Tier 1 risk-based capital ratio | 9.4651% | 6,209 |
| Total risk-based capital ratio | 11.5457% | 5,939 |
| Memoranda: | ||
| Average total assets | $32,744,310,000 | 48 |
| Average earning assets | $30,655,672,330 | 47 |
| Average equity | $2,815,478,670 | 60 |
| Average total loans | $21,534,045,670 | 41 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0017% | 5,890 |
| Cost of funding earning assets | 0.0902% | 6,239 |
| Net interest margin | 2.9115% | 5,430 |
| Noninterest income to average assets | 0.9214% | 1,322 |
| Noninterest expense to average assets | 2.6011% | 3,917 |
| Loan and lease loss provision to assets | -0.0044% | 6,084 |
| Net operating income to assets | 0.6892% | 3,849 |
| Return on assets (ROA) | 0.7163% | 3,847 |
| Pretax return on assets | 1.0903% | 3,124 |
| Return on Equity (ROE) | 8.3257% | 2,795 |
| Retained earnings to average equity (ytd only) | 4.8873% | 3,117 |
| Net charge-offs to loans | 0.0084% | 3,048 |
| Credit loss provision to net charge-offs | -80.0454% | 4,458 |
| Earnings coverage of net charge-offs (x) | 191.7574% | 291 |
| Efficiency ratio | 71.1152% | 3,305 |
| Assets per employee ($millions) | 9.5237% | 299 |
| Cash dividends to net income (ytd only)* | 41.2986% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 2,487 |
| Loan loss allowance to noncurrent loans | 563.7918% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 5,023 |
| Noncurrent loans to loans | 0.2642% | 4,835 |
| Net loans and leases to total assets | 64.9802% | 2,942 |
| Net loans and leases to deposits | 73.2545% | 3,396 |
| Net loans and leases to core deposits | 74.2906% | 3,751 |
| Total domestic deposits to total assets | 88.7047% | 1,448 |
| Equity capital to assets | 8.6782% | 5,593 |
| Core capital (leverage) ratio | 7.3514% | 6,185 |
| Tier 1 risk-based capital ratio | 9.5756% | 6,262 |
| Total risk-based capital ratio | 11.6914% | 5,986 |
| Memoranda: | ||
| Average total assets | $32,371,183,000 | 49 |
| Average earning assets | $30,292,694,500 | 47 |
| Average equity | $2,785,018,500 | 61 |
| Average total loans | $21,119,388,000 | 43 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1688% | 5,870 |
| Cost of funding earning assets | 0.1152% | 6,271 |
| Net interest margin | 3.0536% | 5,306 |
| Noninterest income to average assets | 0.9307% | 1,411 |
| Noninterest expense to average assets | 2.6097% | 4,178 |
| Loan and lease loss provision to assets | -0.0132% | 5,925 |
| Net operating income to assets | 0.8089% | 3,330 |
| Return on assets (ROA) | 0.8253% | 3,346 |
| Pretax return on assets | 1.2063% | 2,630 |
| Return on Equity (ROE) | 9.4795% | 2,350 |
| Retained earnings to average equity (ytd only) | 6.1500% | 1,831 |
| Net charge-offs to loans | -0.0803% | 6,061 |
| Credit loss provision to net charge-offs | 26.1664% | 3,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8091% | 3,752 |
| Assets per employee ($millions) | 9.5125% | 290 |
| Cash dividends to net income (ytd only)* | 35.1225% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 2,347 |
| Loan loss allowance to noncurrent loans | 442.5582% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2956% | 4,854 |
| Noncurrent loans to loans | 0.3455% | 4,620 |
| Net loans and leases to total assets | 63.5310% | 3,288 |
| Net loans and leases to deposits | 72.3478% | 3,638 |
| Net loans and leases to core deposits | 73.3743% | 3,981 |
| Total domestic deposits to total assets | 87.8133% | 1,863 |
| Equity capital to assets | 8.5283% | 5,725 |
| Core capital (leverage) ratio | 7.0819% | 6,301 |
| Tier 1 risk-based capital ratio | 9.5957% | 6,340 |
| Total risk-based capital ratio | 11.7386% | 6,046 |
| Memoranda: | ||
| Average total assets | $30,675,130,000 | 49 |
| Average earning assets | $28,610,375,800 | 47 |
| Average equity | $2,670,731,200 | 59 |
| Average total loans | $19,228,294,600 | 44 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1800% | 5,923 |
| Cost of funding earning assets | 0.1236% | 6,318 |
| Net interest margin | 3.0564% | 5,370 |
| Noninterest income to average assets | 0.9376% | 1,403 |
| Noninterest expense to average assets | 2.5918% | 4,222 |
| Loan and lease loss provision to assets | 0.0124% | 4,168 |
| Net operating income to assets | 0.8069% | 3,404 |
| Return on assets (ROA) | 0.8286% | 3,381 |
| Pretax return on assets | 1.2121% | 2,732 |
| Return on Equity (ROE) | 9.4649% | 2,464 |
| Retained earnings to average equity (ytd only) | 6.1134% | 2,339 |
| Net charge-offs to loans | -0.0785% | 6,067 |
| Credit loss provision to net charge-offs | -25.4104% | 5,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2276% | 3,821 |
| Assets per employee ($millions) | 9.2766% | 300 |
| Cash dividends to net income (ytd only)* | 35.4103% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 2,237 |
| Loan loss allowance to noncurrent loans | 396.6001% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 4,933 |
| Noncurrent loans to loans | 0.4081% | 4,679 |
| Net loans and leases to total assets | 61.7658% | 3,521 |
| Net loans and leases to deposits | 69.4155% | 3,982 |
| Net loans and leases to core deposits | 70.1790% | 4,308 |
| Total domestic deposits to total assets | 88.9799% | 1,253 |
| Equity capital to assets | 8.5569% | 5,756 |
| Core capital (leverage) ratio | 7.3644% | 6,315 |
| Tier 1 risk-based capital ratio | 9.8234% | 6,380 |
| Total risk-based capital ratio | 12.0104% | 6,057 |
| Memoranda: | ||
| Average total assets | $30,265,401,750 | 49 |
| Average earning assets | $28,190,235,750 | 48 |
| Average equity | $2,649,455,750 | 62 |
| Average total loans | $18,823,322,000 | 47 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2091% | 5,934 |
| Cost of funding earning assets | 0.1326% | 6,350 |
| Net interest margin | 3.0766% | 5,328 |
| Noninterest income to average assets | 0.9050% | 1,485 |
| Noninterest expense to average assets | 2.5744% | 4,336 |
| Loan and lease loss provision to assets | 0.0762% | 2,747 |
| Net operating income to assets | 0.7723% | 3,456 |
| Return on assets (ROA) | 0.8061% | 3,400 |
| Pretax return on assets | 1.1677% | 2,809 |
| Return on Equity (ROE) | 9.1357% | 2,531 |
| Retained earnings to average equity (ytd only) | 5.7664% | 2,475 |
| Net charge-offs to loans | -0.0058% | 5,201 |
| Credit loss provision to net charge-offs | -2,121.8692% | 5,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0294% | 4,004 |
| Assets per employee ($millions) | 9.1505% | 312 |
| Cash dividends to net income (ytd only)* | 36.8800% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 2,189 |
| Loan loss allowance to noncurrent loans | 328.2774% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 4,834 |
| Noncurrent loans to loans | 0.5115% | 4,468 |
| Net loans and leases to total assets | 61.5113% | 3,478 |
| Net loans and leases to deposits | 69.8043% | 3,847 |
| Net loans and leases to core deposits | 70.6339% | 4,200 |
| Total domestic deposits to total assets | 88.1195% | 1,839 |
| Equity capital to assets | 8.7753% | 5,540 |
| Core capital (leverage) ratio | 7.4514% | 6,328 |
| Tier 1 risk-based capital ratio | 10.0044% | 6,398 |
| Total risk-based capital ratio | 12.7820% | 5,734 |
| Memoranda: | ||
| Average total assets | $29,787,815,670 | 49 |
| Average earning assets | $27,731,763,000 | 48 |
| Average equity | $2,628,484,000 | 62 |
| Average total loans | $18,464,195,000 | 48 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1021% | 6,119 |
| Cost of funding earning assets | 0.1344% | 6,426 |
| Net interest margin | 2.9678% | 5,605 |
| Noninterest income to average assets | 0.9345% | 1,295 |
| Noninterest expense to average assets | 2.6182% | 4,212 |
| Loan and lease loss provision to assets | 0.0502% | 3,097 |
| Net operating income to assets | 0.7143% | 3,607 |
| Return on assets (ROA) | 0.7349% | 3,596 |
| Pretax return on assets | 1.0635% | 3,070 |
| Return on Equity (ROE) | 8.3044% | 2,793 |
| Retained earnings to average equity (ytd only) | 4.9042% | 3,167 |
| Net charge-offs to loans | -0.0919% | 6,089 |
| Credit loss provision to net charge-offs | -88.4920% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4383% | 3,755 |
| Assets per employee ($millions) | 8.9666% | 341 |
| Cash dividends to net income (ytd only)* | 40.9446% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7598% | 2,154 |
| Loan loss allowance to noncurrent loans | 294.1733% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 4,669 |
| Noncurrent loans to loans | 0.5982% | 4,365 |
| Net loans and leases to total assets | 61.3756% | 3,334 |
| Net loans and leases to deposits | 69.5301% | 3,655 |
| Net loans and leases to core deposits | 70.3945% | 4,048 |
| Total domestic deposits to total assets | 88.2720% | 2,071 |
| Equity capital to assets | 8.9046% | 5,219 |
| Core capital (leverage) ratio | 7.4465% | 6,355 |
| Tier 1 risk-based capital ratio | 10.2456% | 6,409 |
| Total risk-based capital ratio | 13.1041% | 5,660 |
| Memoranda: | ||
| Average total assets | $29,432,336,000 | 49 |
| Average earning assets | $27,447,316,000 | 48 |
| Average equity | $2,604,541,000 | 62 |
| Average total loans | $18,156,013,500 | 48 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3437% | 5,923 |
| Cost of funding earning assets | 0.1501% | 6,539 |
| Net interest margin | 3.1936% | 5,022 |
| Noninterest income to average assets | 0.8522% | 1,861 |
| Noninterest expense to average assets | 2.7585% | 3,878 |
| Loan and lease loss provision to assets | -0.0302% | 6,326 |
| Net operating income to assets | 0.7907% | 3,336 |
| Return on assets (ROA) | 0.8096% | 3,341 |
| Pretax return on assets | 1.1388% | 2,813 |
| Return on Equity (ROE) | 9.2403% | 2,438 |
| Retained earnings to average equity (ytd only) | 7.1997% | 1,358 |
| Net charge-offs to loans | -0.2014% | 6,613 |
| Credit loss provision to net charge-offs | 25.0540% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4208% | 3,586 |
| Assets per employee ($millions) | 8.9854% | 334 |
| Cash dividends to net income (ytd only)* | 22.0835% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7806% | 2,123 |
| Loan loss allowance to noncurrent loans | 277.5256% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.5204% | 4,685 |
| Noncurrent loans to loans | 0.6416% | 4,375 |
| Net loans and leases to total assets | 59.8121% | 3,751 |
| Net loans and leases to deposits | 67.9307% | 4,063 |
| Net loans and leases to core deposits | 68.9194% | 4,399 |
| Total domestic deposits to total assets | 88.0487% | 2,148 |
| Equity capital to assets | 8.7937% | 5,266 |
| Core capital (leverage) ratio | 7.2486% | 6,462 |
| Tier 1 risk-based capital ratio | 10.2029% | 6,456 |
| Total risk-based capital ratio | 13.0755% | 5,657 |
| Memoranda: | ||
| Average total assets | $28,088,109,000 | 50 |
| Average earning assets | $26,282,108,600 | 49 |
| Average equity | $2,461,069,600 | 61 |
| Average total loans | $16,787,784,600 | 47 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3900% | 5,903 |
| Cost of funding earning assets | 0.1551% | 6,617 |
| Net interest margin | 3.2350% | 4,879 |
| Noninterest income to average assets | 0.8319% | 2,002 |
| Noninterest expense to average assets | 2.7320% | 3,897 |
| Loan and lease loss provision to assets | -0.0028% | 6,452 |
| Net operating income to assets | 0.7943% | 3,379 |
| Return on assets (ROA) | 0.8351% | 3,293 |
| Pretax return on assets | 1.1860% | 2,760 |
| Return on Equity (ROE) | 9.5406% | 2,377 |
| Retained earnings to average equity (ytd only) | 7.6596% | 1,565 |
| Net charge-offs to loans | -0.1542% | 6,598 |
| Credit loss provision to net charge-offs | 3.0111% | 4,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4228% | 3,685 |
| Assets per employee ($millions) | 8.8293% | 331 |
| Cash dividends to net income (ytd only)* | 19.7156% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8553% | 2,122 |
| Loan loss allowance to noncurrent loans | 241.8748% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 4,542 |
| Noncurrent loans to loans | 0.7671% | 4,313 |
| Net loans and leases to total assets | 59.3099% | 3,805 |
| Net loans and leases to deposits | 67.0413% | 4,173 |
| Net loans and leases to core deposits | 68.1875% | 4,512 |
| Total domestic deposits to total assets | 88.4677% | 1,856 |
| Equity capital to assets | 8.5387% | 5,688 |
| Core capital (leverage) ratio | 7.2242% | 6,537 |
| Tier 1 risk-based capital ratio | 9.9155% | 6,618 |
| Total risk-based capital ratio | 12.8481% | 5,974 |
| Memoranda: | ||
| Average total assets | $27,766,789,000 | 50 |
| Average earning assets | $25,964,684,000 | 49 |
| Average equity | $2,430,586,750 | 61 |
| Average total loans | $16,512,893,750 | 47 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3663% | 5,978 |
| Cost of funding earning assets | 0.1591% | 6,675 |
| Net interest margin | 3.2072% | 4,925 |
| Noninterest income to average assets | 0.8532% | 1,989 |
| Noninterest expense to average assets | 2.7713% | 3,774 |
| Loan and lease loss provision to assets | -0.0169% | 6,589 |
| Net operating income to assets | 0.7752% | 3,430 |
| Return on assets (ROA) | 0.8036% | 3,429 |
| Pretax return on assets | 1.1390% | 2,928 |
| Return on Equity (ROE) | 9.1028% | 2,567 |
| Retained earnings to average equity (ytd only) | 7.5878% | 1,630 |
| Net charge-offs to loans | -0.1517% | 6,595 |
| Credit loss provision to net charge-offs | 18.8566% | 3,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5033% | 3,556 |
| Assets per employee ($millions) | 8.2773% | 417 |
| Cash dividends to net income (ytd only)* | 16.6429% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8836% | 2,161 |
| Loan loss allowance to noncurrent loans | 188.4969% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.8443% | 4,126 |
| Noncurrent loans to loans | 0.9993% | 3,935 |
| Net loans and leases to total assets | 60.5652% | 3,570 |
| Net loans and leases to deposits | 68.7813% | 3,893 |
| Net loans and leases to core deposits | 70.5593% | 4,210 |
| Total domestic deposits to total assets | 88.0548% | 2,206 |
| Equity capital to assets | 8.9516% | 5,264 |
| Core capital (leverage) ratio | 7.2078% | 6,560 |
| Tier 1 risk-based capital ratio | 10.0373% | 6,626 |
| Total risk-based capital ratio | 13.0313% | 5,876 |
| Memoranda: | ||
| Average total assets | $27,454,348,000 | 51 |
| Average earning assets | $25,681,930,000 | 49 |
| Average equity | $2,423,800,330 | 61 |
| Average total loans | $16,235,123,330 | 47 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3310% | 6,089 |
| Cost of funding earning assets | 0.1609% | 6,763 |
| Net interest margin | 3.1701% | 5,027 |
| Noninterest income to average assets | 0.9671% | 1,562 |
| Noninterest expense to average assets | 2.7665% | 3,811 |
| Loan and lease loss provision to assets | 0.1377% | 2,518 |
| Net operating income to assets | 0.7295% | 3,543 |
| Return on assets (ROA) | 0.7386% | 3,623 |
| Pretax return on assets | 1.0417% | 3,179 |
| Return on Equity (ROE) | 8.4240% | 2,762 |
| Retained earnings to average equity (ytd only) | 8.0233% | 1,746 |
| Net charge-offs to loans | -0.1202% | 6,517 |
| Credit loss provision to net charge-offs | -198.0453% | 5,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9346% | 3,989 |
| Assets per employee ($millions) | 8.4108% | 410 |
| Cash dividends to net income (ytd only)* | 4.7567% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 2,024 |
| Loan loss allowance to noncurrent loans | 173.4125% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9262% | 4,077 |
| Noncurrent loans to loans | 1.1580% | 3,844 |
| Net loans and leases to total assets | 58.5206% | 3,696 |
| Net loans and leases to deposits | 68.7099% | 3,677 |
| Net loans and leases to core deposits | 70.4910% | 4,015 |
| Total domestic deposits to total assets | 85.1706% | 3,959 |
| Equity capital to assets | 9.0268% | 5,452 |
| Core capital (leverage) ratio | 6.9822% | 6,645 |
| Tier 1 risk-based capital ratio | 10.0137% | 6,690 |
| Total risk-based capital ratio | 13.0404% | 6,012 |
| Memoranda: | ||
| Average total assets | $27,664,746,500 | 50 |
| Average earning assets | $25,883,650,000 | 49 |
| Average equity | $2,425,735,500 | 61 |
| Average total loans | $16,009,061,000 | 48 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7961% | 5,826 |
| Cost of funding earning assets | 0.1583% | 6,901 |
| Net interest margin | 3.6377% | 3,927 |
| Noninterest income to average assets | 1.0115% | 1,501 |
| Noninterest expense to average assets | 2.9149% | 3,582 |
| Loan and lease loss provision to assets | 0.2135% | 3,009 |
| Net operating income to assets | 0.8527% | 3,028 |
| Return on assets (ROA) | 0.8524% | 3,278 |
| Pretax return on assets | 1.2603% | 2,566 |
| Return on Equity (ROE) | 9.1272% | 2,579 |
| Retained earnings to average equity (ytd only) | 5.6729% | 2,269 |
| Net charge-offs to loans | -0.0482% | 6,700 |
| Credit loss provision to net charge-offs | -757.9893% | 6,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0548% | 4,495 |
| Assets per employee ($millions) | 9.2036% | 307 |
| Cash dividends to net income (ytd only)* | 37.8460% | 2,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0359% | 1,927 |
| Loan loss allowance to noncurrent loans | 151.3708% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0351% | 3,960 |
| Noncurrent loans to loans | 1.3449% | 3,589 |
| Net loans and leases to total assets | 54.9517% | 4,459 |
| Net loans and leases to deposits | 65.1833% | 4,393 |
| Net loans and leases to core deposits | 66.3297% | 4,707 |
| Total domestic deposits to total assets | 84.3034% | 4,181 |
| Equity capital to assets | 8.5206% | 6,034 |
| Core capital (leverage) ratio | 6.9174% | 6,730 |
| Tier 1 risk-based capital ratio | 9.8792% | 6,730 |
| Total risk-based capital ratio | 12.9262% | 5,936 |
| Memoranda: | ||
| Average total assets | $25,107,398,000 | 55 |
| Average earning assets | $23,312,594,400 | 51 |
| Average equity | $2,344,911,000 | 61 |
| Average total loans | $14,684,385,600 | 53 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 5,666 |
| Cost of funding earning assets | 0.1596% | 7,016 |
| Net interest margin | 3.7877% | 3,388 |
| Noninterest income to average assets | 0.9817% | 1,553 |
| Noninterest expense to average assets | 2.9460% | 3,426 |
| Loan and lease loss provision to assets | 0.2176% | 2,888 |
| Net operating income to assets | 0.8919% | 3,025 |
| Return on assets (ROA) | 0.8928% | 3,253 |
| Pretax return on assets | 1.3282% | 2,501 |
| Return on Equity (ROE) | 9.3220% | 2,664 |
| Retained earnings to average equity (ytd only) | 7.0037% | 2,134 |
| Net charge-offs to loans | -0.0468% | 6,690 |
| Credit loss provision to net charge-offs | -786.3087% | 6,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2595% | 4,580 |
| Assets per employee ($millions) | 8.4984% | 398 |
| Cash dividends to net income (ytd only)* | 24.8689% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1079% | 1,888 |
| Loan loss allowance to noncurrent loans | 128.4668% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.3705% | 3,552 |
| Noncurrent loans to loans | 1.6408% | 3,335 |
| Net loans and leases to total assets | 56.2475% | 4,408 |
| Net loans and leases to deposits | 64.2653% | 4,679 |
| Net loans and leases to core deposits | 65.7869% | 4,975 |
| Total domestic deposits to total assets | 87.5239% | 2,336 |
| Equity capital to assets | 9.2913% | 5,477 |
| Core capital (leverage) ratio | 7.3261% | 6,707 |
| Tier 1 risk-based capital ratio | 10.6658% | 6,608 |
| Total risk-based capital ratio | 13.8651% | 5,511 |
| Memoranda: | ||
| Average total assets | $24,320,488,500 | 56 |
| Average earning assets | $22,529,020,250 | 53 |
| Average equity | $2,329,263,500 | 62 |
| Average total loans | $14,393,157,250 | 57 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 5,604 |
| Cost of funding earning assets | 0.1526% | 7,112 |
| Net interest margin | 3.8608% | 3,089 |
| Noninterest income to average assets | 0.8692% | 1,891 |
| Noninterest expense to average assets | 2.9625% | 3,400 |
| Loan and lease loss provision to assets | 0.1723% | 3,381 |
| Net operating income to assets | 0.8789% | 3,004 |
| Return on assets (ROA) | 0.8802% | 3,252 |
| Pretax return on assets | 1.3137% | 2,509 |
| Return on Equity (ROE) | 9.0917% | 2,777 |
| Retained earnings to average equity (ytd only) | 6.7482% | 2,250 |
| Net charge-offs to loans | -0.1016% | 6,863 |
| Credit loss provision to net charge-offs | -283.5315% | 6,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2955% | 4,485 |
| Assets per employee ($millions) | 8.0325% | 465 |
| Cash dividends to net income (ytd only)* | 25.7764% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1174% | 1,957 |
| Loan loss allowance to noncurrent loans | 107.3959% | 3,008 |
| Noncurrent assets plus other real estate owned to assets | 1.6735% | 3,210 |
| Noncurrent loans to loans | 1.9716% | 2,973 |
| Net loans and leases to total assets | 59.1947% | 3,957 |
| Net loans and leases to deposits | 68.1110% | 4,177 |
| Net loans and leases to core deposits | 70.0542% | 4,529 |
| Total domestic deposits to total assets | 86.9092% | 2,825 |
| Equity capital to assets | 9.6185% | 4,890 |
| Core capital (leverage) ratio | 7.9110% | 6,356 |
| Tier 1 risk-based capital ratio | 11.2704% | 6,355 |
| Total risk-based capital ratio | 14.5257% | 4,950 |
| Memoranda: | ||
| Average total assets | $23,801,418,000 | 56 |
| Average earning assets | $22,054,220,330 | 53 |
| Average equity | $2,304,223,330 | 62 |
| Average total loans | $14,234,547,000 | 57 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 5,967 |
| Cost of funding earning assets | 0.1498% | 7,189 |
| Net interest margin | 3.7721% | 3,509 |
| Noninterest income to average assets | 0.8666% | 1,881 |
| Noninterest expense to average assets | 3.0634% | 3,042 |
| Loan and lease loss provision to assets | 0.1106% | 3,970 |
| Net operating income to assets | 0.8019% | 3,368 |
| Return on assets (ROA) | 0.8065% | 3,587 |
| Pretax return on assets | 1.1900% | 2,948 |
| Return on Equity (ROE) | 8.3027% | 3,139 |
| Retained earnings to average equity (ytd only) | 5.9363% | 2,994 |
| Net charge-offs to loans | -0.1286% | 6,873 |
| Credit loss provision to net charge-offs | -144.6771% | 5,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8930% | 3,837 |
| Assets per employee ($millions) | 7.7978% | 536 |
| Cash dividends to net income (ytd only)* | 28.5015% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3156% | 1,645 |
| Loan loss allowance to noncurrent loans | 86.4108% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 2.0547% | 2,816 |
| Noncurrent loans to loans | 2.6798% | 2,431 |
| Net loans and leases to total assets | 58.3466% | 3,981 |
| Net loans and leases to deposits | 66.1756% | 4,350 |
| Net loans and leases to core deposits | 67.9575% | 4,681 |
| Total domestic deposits to total assets | 88.1693% | 2,200 |
| Equity capital to assets | 9.7264% | 4,485 |
| Core capital (leverage) ratio | 8.2378% | 5,968 |
| Tier 1 risk-based capital ratio | 12.0342% | 5,935 |
| Total risk-based capital ratio | 14.4443% | 5,043 |
| Memoranda: | ||
| Average total assets | $23,492,707,500 | 57 |
| Average earning assets | $21,740,375,000 | 54 |
| Average equity | $2,281,969,500 | 62 |
| Average total loans | $13,968,148,000 | 58 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 6,179 |
| Cost of funding earning assets | 0.2545% | 7,172 |
| Net interest margin | 3.8985% | 3,343 |
| Noninterest income to average assets | 1.0765% | 1,152 |
| Noninterest expense to average assets | 3.2313% | 2,763 |
| Loan and lease loss provision to assets | 0.2471% | 3,738 |
| Net operating income to assets | 0.7840% | 3,116 |
| Return on assets (ROA) | 0.7802% | 3,297 |
| Pretax return on assets | 1.1713% | 2,572 |
| Return on Equity (ROE) | 7.9171% | 2,955 |
| Retained earnings to average equity (ytd only) | 6.5388% | 1,726 |
| Net charge-offs to loans | 0.0424% | 5,887 |
| Credit loss provision to net charge-offs | 956.1668% | 240 |
| Earnings coverage of net charge-offs (x) | 54.9625% | 516 |
| Efficiency ratio | 68.9739% | 4,156 |
| Assets per employee ($millions) | 7.6230% | 548 |
| Cash dividends to net income (ytd only)* | 17.4091% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3719% | 1,505 |
| Loan loss allowance to noncurrent loans | 73.8305% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 2.4563% | 2,479 |
| Noncurrent loans to loans | 3.2127% | 2,013 |
| Net loans and leases to total assets | 57.7769% | 4,415 |
| Net loans and leases to deposits | 65.7558% | 4,774 |
| Net loans and leases to core deposits | 67.1413% | 5,144 |
| Total domestic deposits to total assets | 87.8658% | 2,241 |
| Equity capital to assets | 9.7005% | 4,590 |
| Core capital (leverage) ratio | 8.0699% | 6,179 |
| Tier 1 risk-based capital ratio | 12.2319% | 5,662 |
| Total risk-based capital ratio | 14.6837% | 4,714 |
| Memoranda: | ||
| Average total assets | $22,088,130,800 | 57 |
| Average earning assets | $20,255,949,400 | 57 |
| Average equity | $2,176,603,400 | 65 |
| Average total loans | $13,446,996,000 | 60 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 6,231 |
| Cost of funding earning assets | 0.2844% | 7,233 |
| Net interest margin | 3.9058% | 3,353 |
| Noninterest income to average assets | 1.0683% | 1,178 |
| Noninterest expense to average assets | 3.2768% | 2,570 |
| Loan and lease loss provision to assets | 0.1970% | 4,054 |
| Net operating income to assets | 0.7919% | 3,205 |
| Return on assets (ROA) | 0.7868% | 3,391 |
| Pretax return on assets | 1.1649% | 2,765 |
| Return on Equity (ROE) | 7.9508% | 3,057 |
| Retained earnings to average equity (ytd only) | 6.0952% | 2,502 |
| Net charge-offs to loans | 0.0019% | 6,175 |
| Credit loss provision to net charge-offs | 17,209.6257% | 12 |
| Earnings coverage of net charge-offs (x) | 1,192.3337% | 17 |
| Efficiency ratio | 70.0953% | 3,947 |
| Assets per employee ($millions) | 7.3864% | 605 |
| Cash dividends to net income (ytd only)* | 23.3383% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3599% | 1,604 |
| Loan loss allowance to noncurrent loans | 67.2080% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.7749% | 2,345 |
| Noncurrent loans to loans | 3.5113% | 1,961 |
| Net loans and leases to total assets | 59.1437% | 4,298 |
| Net loans and leases to deposits | 67.2498% | 4,731 |
| Net loans and leases to core deposits | 68.9682% | 5,066 |
| Total domestic deposits to total assets | 87.9463% | 2,061 |
| Equity capital to assets | 9.7930% | 4,632 |
| Core capital (leverage) ratio | 8.1294% | 6,249 |
| Tier 1 risk-based capital ratio | 12.2463% | 5,708 |
| Total risk-based capital ratio | 14.7308% | 4,718 |
| Memoranda: | ||
| Average total assets | $21,784,252,250 | 57 |
| Average earning assets | $19,929,121,750 | 57 |
| Average equity | $2,155,613,250 | 64 |
| Average total loans | $13,360,935,250 | 59 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 6,322 |
| Cost of funding earning assets | 0.3013% | 7,306 |
| Net interest margin | 3.8802% | 3,392 |
| Noninterest income to average assets | 1.2364% | 829 |
| Noninterest expense to average assets | 3.3615% | 2,366 |
| Loan and lease loss provision to assets | 0.1774% | 4,148 |
| Net operating income to assets | 0.8316% | 2,939 |
| Return on assets (ROA) | 0.8184% | 3,107 |
| Pretax return on assets | 1.2268% | 2,383 |
| Return on Equity (ROE) | 8.2405% | 2,838 |
| Retained earnings to average equity (ytd only) | 6.3641% | 2,207 |
| Net charge-offs to loans | -0.1622% | 7,266 |
| Credit loss provision to net charge-offs | -177.5415% | 6,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8149% | 4,151 |
| Assets per employee ($millions) | 7.1377% | 680 |
| Cash dividends to net income (ytd only)* | 22.7705% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4915% | 1,459 |
| Loan loss allowance to noncurrent loans | 65.4298% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 3.0356% | 2,217 |
| Noncurrent loans to loans | 3.8080% | 1,830 |
| Net loans and leases to total assets | 58.9400% | 4,477 |
| Net loans and leases to deposits | 67.5336% | 4,782 |
| Net loans and leases to core deposits | 69.4199% | 5,136 |
| Total domestic deposits to total assets | 87.2751% | 2,587 |
| Equity capital to assets | 9.8612% | 4,317 |
| Core capital (leverage) ratio | 8.5499% | 5,475 |
| Tier 1 risk-based capital ratio | 12.8726% | 5,023 |
| Total risk-based capital ratio | 15.4139% | 4,016 |
| Memoranda: | ||
| Average total assets | $21,464,716,670 | 60 |
| Average earning assets | $19,604,939,000 | 59 |
| Average equity | $2,131,751,330 | 68 |
| Average total loans | $13,222,558,330 | 60 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 6,368 |
| Cost of funding earning assets | 0.3085% | 7,373 |
| Net interest margin | 3.8533% | 3,366 |
| Noninterest income to average assets | 1.2797% | 778 |
| Noninterest expense to average assets | 3.2802% | 2,618 |
| Loan and lease loss provision to assets | 0.3586% | 2,403 |
| Net operating income to assets | 0.7680% | 3,183 |
| Return on assets (ROA) | 0.7557% | 3,307 |
| Pretax return on assets | 1.1414% | 2,601 |
| Return on Equity (ROE) | 7.5810% | 3,112 |
| Retained earnings to average equity (ytd only) | 5.6813% | 2,807 |
| Net charge-offs to loans | -0.1987% | 7,255 |
| Credit loss provision to net charge-offs | -290.1333% | 5,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9005% | 4,674 |
| Assets per employee ($millions) | 7.0407% | 719 |
| Cash dividends to net income (ytd only)* | 25.0589% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6494% | 1,259 |
| Loan loss allowance to noncurrent loans | 62.3774% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 3.4407% | 1,980 |
| Noncurrent loans to loans | 4.2474% | 1,678 |
| Net loans and leases to total assets | 59.6632% | 4,332 |
| Net loans and leases to deposits | 68.4062% | 4,621 |
| Net loans and leases to core deposits | 70.2929% | 5,009 |
| Total domestic deposits to total assets | 87.2190% | 2,816 |
| Equity capital to assets | 9.9462% | 3,846 |
| Core capital (leverage) ratio | 8.6180% | 5,239 |
| Tier 1 risk-based capital ratio | 13.2965% | 4,584 |
| Total risk-based capital ratio | 15.9097% | 3,595 |
| Memoranda: | ||
| Average total assets | $21,122,941,000 | 60 |
| Average earning assets | $19,262,719,000 | 59 |
| Average equity | $2,105,589,500 | 68 |
| Average total loans | $13,139,959,500 | 60 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 6,545 |
| Cost of funding earning assets | 0.3928% | 7,431 |
| Net interest margin | 4.0463% | 2,815 |
| Noninterest income to average assets | 1.3502% | 805 |
| Noninterest expense to average assets | 3.2178% | 3,021 |
| Loan and lease loss provision to assets | 0.8451% | 1,939 |
| Net operating income to assets | 0.7201% | 3,145 |
| Return on assets (ROA) | 0.7056% | 3,334 |
| Pretax return on assets | 0.9197% | 3,202 |
| Return on Equity (ROE) | 7.2502% | 3,005 |
| Retained earnings to average equity (ytd only) | 7.2470% | 1,225 |
| Net charge-offs to loans | 0.9657% | 2,246 |
| Credit loss provision to net charge-offs | 133.9064% | 2,916 |
| Earnings coverage of net charge-offs (x) | 2.8213% | 3,668 |
| Efficiency ratio | 63.8643% | 5,376 |
| Assets per employee ($millions) | 7.1201% | 710 |
| Cash dividends to net income (ytd only)* | 0.0445% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4494% | 1,480 |
| Loan loss allowance to noncurrent loans | 54.5205% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 3.6861% | 1,865 |
| Noncurrent loans to loans | 4.4925% | 1,574 |
| Net loans and leases to total assets | 61.5935% | 4,375 |
| Net loans and leases to deposits | 70.9277% | 4,696 |
| Net loans and leases to core deposits | 73.0491% | 5,093 |
| Total domestic deposits to total assets | 86.8398% | 2,913 |
| Equity capital to assets | 9.9906% | 3,750 |
| Core capital (leverage) ratio | 8.2802% | 5,712 |
| Tier 1 risk-based capital ratio | 12.9066% | 4,679 |
| Total risk-based capital ratio | 15.4990% | 3,667 |
| Memoranda: | ||
| Average total assets | $20,710,377,200 | 58 |
| Average earning assets | $18,672,581,800 | 57 |
| Average equity | $2,015,454,600 | 67 |
| Average total loans | $13,535,633,800 | 57 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 6,657 |
| Cost of funding earning assets | 0.4155% | 7,553 |
| Net interest margin | 4.0605% | 2,809 |
| Noninterest income to average assets | 1.2575% | 870 |
| Noninterest expense to average assets | 3.1259% | 3,208 |
| Loan and lease loss provision to assets | 0.9797% | 1,525 |
| Net operating income to assets | 0.6392% | 3,706 |
| Return on assets (ROA) | 0.6382% | 3,879 |
| Pretax return on assets | 0.8039% | 3,890 |
| Return on Equity (ROE) | 6.6030% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.5987% | 2,042 |
| Net charge-offs to loans | 1.0942% | 1,859 |
| Credit loss provision to net charge-offs | 135.8253% | 2,957 |
| Earnings coverage of net charge-offs (x) | 2.4709% | 3,932 |
| Efficiency ratio | 63.1760% | 5,409 |
| Assets per employee ($millions) | 7.1631% | 720 |
| Cash dividends to net income (ytd only)* | 0.0658% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4234% | 1,444 |
| Loan loss allowance to noncurrent loans | 49.1522% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 3.9101% | 1,800 |
| Noncurrent loans to loans | 4.9304% | 1,417 |
| Net loans and leases to total assets | 61.6118% | 4,609 |
| Net loans and leases to deposits | 70.7460% | 5,043 |
| Net loans and leases to core deposits | 73.4086% | 5,364 |
| Total domestic deposits to total assets | 87.0888% | 2,474 |
| Equity capital to assets | 9.8387% | 4,362 |
| Core capital (leverage) ratio | 8.1525% | 6,119 |
| Tier 1 risk-based capital ratio | 12.5377% | 4,946 |
| Total risk-based capital ratio | 15.1282% | 3,903 |
| Memoranda: | ||
| Average total assets | $20,644,011,000 | 58 |
| Average earning assets | $18,559,597,250 | 57 |
| Average equity | $1,995,416,000 | 66 |
| Average total loans | $13,608,504,750 | 57 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4605% | 6,781 |
| Cost of funding earning assets | 0.4256% | 7,638 |
| Net interest margin | 4.0349% | 2,854 |
| Noninterest income to average assets | 1.4746% | 585 |
| Noninterest expense to average assets | 3.1267% | 3,201 |
| Loan and lease loss provision to assets | 1.2857% | 1,075 |
| Net operating income to assets | 0.5992% | 3,884 |
| Return on assets (ROA) | 0.6028% | 4,004 |
| Pretax return on assets | 0.6865% | 4,284 |
| Return on Equity (ROE) | 6.2750% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.2750% | 2,184 |
| Net charge-offs to loans | 1.2134% | 1,574 |
| Credit loss provision to net charge-offs | 158.4319% | 2,485 |
| Earnings coverage of net charge-offs (x) | 2.4234% | 3,784 |
| Efficiency ratio | 60.9089% | 5,874 |
| Assets per employee ($millions) | 7.2577% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4827% | 1,324 |
| Loan loss allowance to noncurrent loans | 53.9981% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 3.7182% | 1,880 |
| Noncurrent loans to loans | 4.5977% | 1,569 |
| Net loans and leases to total assets | 63.3033% | 4,392 |
| Net loans and leases to deposits | 73.3665% | 4,779 |
| Net loans and leases to core deposits | 76.2900% | 5,158 |
| Total domestic deposits to total assets | 86.2837% | 2,935 |
| Equity capital to assets | 9.7268% | 4,372 |
| Core capital (leverage) ratio | 8.2740% | 5,815 |
| Tier 1 risk-based capital ratio | 12.1866% | 5,141 |
| Total risk-based capital ratio | 14.9892% | 3,876 |
| Memoranda: | ||
| Average total assets | $20,462,529,670 | 57 |
| Average earning assets | $18,351,962,670 | 57 |
| Average equity | $1,965,666,330 | 67 |
| Average total loans | $13,685,067,670 | 57 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 6,887 |
| Cost of funding earning assets | 0.4408% | 7,745 |
| Net interest margin | 4.0132% | 2,820 |
| Noninterest income to average assets | 1.0252% | 1,220 |
| Noninterest expense to average assets | 3.0713% | 3,387 |
| Loan and lease loss provision to assets | 1.0637% | 1,161 |
| Net operating income to assets | 0.3371% | 5,131 |
| Return on assets (ROA) | 0.3517% | 5,190 |
| Pretax return on assets | 0.5071% | 4,937 |
| Return on Equity (ROE) | 3.6851% | 5,038 |
| Retained earnings to average equity (ytd only) | 3.6851% | 3,944 |
| Net charge-offs to loans | 1.4415% | 1,198 |
| Credit loss provision to net charge-offs | 108.6927% | 3,166 |
| Earnings coverage of net charge-offs (x) | 1.5792% | 3,780 |
| Efficiency ratio | 66.0155% | 5,114 |
| Assets per employee ($millions) | 7.2006% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1701% | 1,816 |
| Loan loss allowance to noncurrent loans | 44.6897% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 4.0049% | 1,712 |
| Noncurrent loans to loans | 4.8559% | 1,508 |
| Net loans and leases to total assets | 66.8542% | 3,666 |
| Net loans and leases to deposits | 77.5262% | 4,124 |
| Net loans and leases to core deposits | 80.9209% | 4,638 |
| Total domestic deposits to total assets | 86.2344% | 3,017 |
| Equity capital to assets | 9.8986% | 3,998 |
| Core capital (leverage) ratio | 8.2833% | 5,772 |
| Tier 1 risk-based capital ratio | 11.8301% | 5,365 |
| Total risk-based capital ratio | 14.6233% | 4,032 |
| Memoranda: | ||
| Average total assets | $20,246,367,000 | 57 |
| Average earning assets | $18,119,814,000 | 56 |
| Average equity | $1,932,298,000 | 66 |
| Average total loans | $13,745,656,500 | 56 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 7,506 |
| Cost of funding earning assets | 0.4999% | 7,833 |
| Net interest margin | 3.8736% | 3,381 |
| Noninterest income to average assets | 1.2156% | 1,037 |
| Noninterest expense to average assets | 2.7082% | 5,352 |
| Loan and lease loss provision to assets | 1.6339% | 1,400 |
| Net operating income to assets | 0.3336% | 4,399 |
| Return on assets (ROA) | 0.3980% | 4,240 |
| Pretax return on assets | 0.4829% | 4,238 |
| Return on Equity (ROE) | 4.1311% | 4,032 |
| Retained earnings to average equity (ytd only) | 2.9619% | 3,096 |
| Net charge-offs to loans | 1.7834% | 1,405 |
| Credit loss provision to net charge-offs | 128.5268% | 4,013 |
| Earnings coverage of net charge-offs (x) | 1.6022% | 4,541 |
| Efficiency ratio | 56.6208% | 6,942 |
| Assets per employee ($millions) | 7.4905% | 650 |
| Cash dividends to net income (ytd only)* | 28.3018% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0609% | 1,887 |
| Loan loss allowance to noncurrent loans | 50.8174% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 3.2821% | 2,093 |
| Noncurrent loans to loans | 4.0554% | 1,827 |
| Net loans and leases to total assets | 66.0779% | 4,127 |
| Net loans and leases to deposits | 77.7519% | 4,432 |
| Net loans and leases to core deposits | 85.7671% | 5,543 |
| Total domestic deposits to total assets | 84.9856% | 3,555 |
| Equity capital to assets | 9.2064% | 4,837 |
| Core capital (leverage) ratio | 8.7175% | 4,894 |
| Tier 1 risk-based capital ratio | 11.2268% | 5,686 |
| Total risk-based capital ratio | 13.9568% | 4,295 |
| Memoranda: | ||
| Average total assets | $17,770,966,600 | 64 |
| Average earning assets | $16,191,786,800 | 64 |
| Average equity | $1,711,898,200 | 70 |
| Average total loans | $12,667,571,000 | 61 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4851% | 7,523 |
| Cost of funding earning assets | 0.5277% | 7,925 |
| Net interest margin | 3.9573% | 3,001 |
| Noninterest income to average assets | 1.0587% | 1,417 |
| Noninterest expense to average assets | 2.7382% | 5,154 |
| Loan and lease loss provision to assets | 1.6298% | 1,151 |
| Net operating income to assets | 0.2680% | 4,914 |
| Return on assets (ROA) | 0.3096% | 4,864 |
| Pretax return on assets | 0.3660% | 4,891 |
| Return on Equity (ROE) | 3.1711% | 4,715 |
| Retained earnings to average equity (ytd only) | 1.5656% | 4,441 |
| Net charge-offs to loans | 1.8070% | 1,121 |
| Credit loss provision to net charge-offs | 124.5017% | 4,046 |
| Earnings coverage of net charge-offs (x) | 1.4855% | 4,673 |
| Efficiency ratio | 57.9780% | 6,717 |
| Assets per employee ($millions) | 6.8982% | 824 |
| Cash dividends to net income (ytd only)* | 50.6273% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 1,458 |
| Loan loss allowance to noncurrent loans | 63.2982% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 2.5625% | 2,710 |
| Noncurrent loans to loans | 3.4405% | 2,174 |
| Net loans and leases to total assets | 65.9382% | 4,447 |
| Net loans and leases to deposits | 76.9303% | 4,906 |
| Net loans and leases to core deposits | 83.2804% | 6,096 |
| Total domestic deposits to total assets | 85.7117% | 2,858 |
| Equity capital to assets | 9.7121% | 4,479 |
| Core capital (leverage) ratio | 8.2464% | 5,922 |
| Tier 1 risk-based capital ratio | 10.5103% | 6,459 |
| Total risk-based capital ratio | 13.3215% | 4,847 |
| Memoranda: | ||
| Average total assets | $17,026,560,000 | 72 |
| Average earning assets | $15,592,597,250 | 71 |
| Average equity | $1,662,322,750 | 73 |
| Average total loans | $12,334,781,500 | 65 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 7,617 |
| Cost of funding earning assets | 0.5656% | 8,012 |
| Net interest margin | 3.9474% | 2,899 |
| Noninterest income to average assets | 1.0828% | 1,358 |
| Noninterest expense to average assets | 2.7927% | 4,988 |
| Loan and lease loss provision to assets | 1.4658% | 1,182 |
| Net operating income to assets | 0.3195% | 4,815 |
| Return on assets (ROA) | 0.3597% | 4,764 |
| Pretax return on assets | 0.4957% | 4,628 |
| Return on Equity (ROE) | 3.6776% | 4,630 |
| Retained earnings to average equity (ytd only) | 2.4511% | 3,971 |
| Net charge-offs to loans | 1.4577% | 1,296 |
| Credit loss provision to net charge-offs | 135.4029% | 3,440 |
| Earnings coverage of net charge-offs (x) | 1.7565% | 4,241 |
| Efficiency ratio | 58.9552% | 6,699 |
| Assets per employee ($millions) | 6.5994% | 926 |
| Cash dividends to net income (ytd only)* | 33.3500% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0611% | 1,459 |
| Loan loss allowance to noncurrent loans | 67.6829% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 2.2858% | 2,849 |
| Noncurrent loans to loans | 3.0453% | 2,360 |
| Net loans and leases to total assets | 70.1975% | 3,650 |
| Net loans and leases to deposits | 81.8858% | 4,243 |
| Net loans and leases to core deposits | 89.3629% | 5,590 |
| Total domestic deposits to total assets | 85.7261% | 2,917 |
| Equity capital to assets | 9.8782% | 4,111 |
| Core capital (leverage) ratio | 8.5202% | 5,407 |
| Tier 1 risk-based capital ratio | 10.3465% | 6,535 |
| Total risk-based capital ratio | 12.0413% | 6,030 |
| Memoranda: | ||
| Average total assets | $16,684,588,330 | 76 |
| Average earning assets | $15,264,640,330 | 74 |
| Average equity | $1,632,006,670 | 78 |
| Average total loans | $12,390,212,000 | 68 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 7,696 |
| Cost of funding earning assets | 0.6334% | 8,032 |
| Net interest margin | 3.8879% | 3,083 |
| Noninterest income to average assets | 1.1039% | 1,219 |
| Noninterest expense to average assets | 2.7092% | 4,956 |
| Loan and lease loss provision to assets | 1.2507% | 1,025 |
| Net operating income to assets | 0.4538% | 4,636 |
| Return on assets (ROA) | 0.5012% | 4,605 |
| Pretax return on assets | 0.7760% | 4,165 |
| Return on Equity (ROE) | 5.1506% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.1506% | 3,041 |
| Net charge-offs to loans | 1.0867% | 1,252 |
| Credit loss provision to net charge-offs | 152.1729% | 2,740 |
| Earnings coverage of net charge-offs (x) | 2.3686% | 3,546 |
| Efficiency ratio | 57.5357% | 6,758 |
| Assets per employee ($millions) | 6.2130% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9633% | 1,493 |
| Loan loss allowance to noncurrent loans | 73.2296% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 2.0603% | 2,810 |
| Noncurrent loans to loans | 2.6810% | 2,452 |
| Net loans and leases to total assets | 72.5588% | 3,105 |
| Net loans and leases to deposits | 86.5988% | 3,537 |
| Net loans and leases to core deposits | 96.5366% | 4,899 |
| Total domestic deposits to total assets | 83.7873% | 3,809 |
| Equity capital to assets | 10.2938% | 3,661 |
| Core capital (leverage) ratio | 9.0786% | 4,586 |
| Tier 1 risk-based capital ratio | 10.5697% | 6,320 |
| Total risk-based capital ratio | 12.2714% | 5,787 |
| Memoranda: | ||
| Average total assets | $16,361,815,000 | 79 |
| Average earning assets | $14,948,073,000 | 75 |
| Average equity | $1,592,059,500 | 79 |
| Average total loans | $12,374,647,000 | 69 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4052% | 7,451 |
| Cost of funding earning assets | 1.2271% | 7,913 |
| Net interest margin | 4.1781% | 2,394 |
| Noninterest income to average assets | 1.4173% | 719 |
| Noninterest expense to average assets | 3.1179% | 3,632 |
| Loan and lease loss provision to assets | 0.7840% | 1,902 |
| Net operating income to assets | 0.8459% | 3,235 |
| Return on assets (ROA) | 0.7623% | 3,453 |
| Pretax return on assets | 1.1868% | 2,692 |
| Return on Equity (ROE) | 8.1394% | 3,014 |
| Retained earnings to average equity (ytd only) | 3.1615% | 3,186 |
| Net charge-offs to loans | 0.5680% | 2,112 |
| Credit loss provision to net charge-offs | 181.0815% | 2,776 |
| Earnings coverage of net charge-offs (x) | 4.8541% | 3,834 |
| Efficiency ratio | 59.0419% | 6,520 |
| Assets per employee ($millions) | 5.9161% | 1,183 |
| Cash dividends to net income (ytd only)* | 61.1584% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 1,631 |
| Loan loss allowance to noncurrent loans | 105.7794% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.3865% | 3,414 |
| Noncurrent loans to loans | 1.7020% | 3,219 |
| Net loans and leases to total assets | 75.9120% | 2,650 |
| Net loans and leases to deposits | 93.3448% | 2,887 |
| Net loans and leases to core deposits | 104.8720% | 4,315 |
| Total domestic deposits to total assets | 81.3243% | 4,497 |
| Equity capital to assets | 9.1484% | 5,151 |
| Core capital (leverage) ratio | 7.8700% | 6,699 |
| Tier 1 risk-based capital ratio | 8.8145% | 7,896 |
| Total risk-based capital ratio | 10.5038% | 7,508 |
| Memoranda: | ||
| Average total assets | $15,816,465,400 | 80 |
| Average earning assets | $14,393,430,400 | 79 |
| Average equity | $1,481,235,400 | 77 |
| Average total loans | $12,056,994,800 | 71 |