Home > Commerce Bank > Performance and Condition Ratios
Commerce 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 | 4.5930% | 2,910 |
| Cost of funding earning assets | 1.2993% | 2,517 |
| Net interest margin | 3.2937% | 2,655 |
| Noninterest income to average assets | 1.7900% | 307 |
| Noninterest expense to average assets | 2.8889% | 1,300 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.4628% | 1,093 |
| Return on assets (ROA) | 1.4421% | 1,101 |
| Pretax return on assets | 1.8515% | 820 |
| Return on Equity (ROE) | 21.2700% | 521 |
| Retained earnings to average equity (ytd only) | 8.2749% | 1,466 |
| Net charge-offs to loans | 0.1846% | 583 |
| Credit loss provision to net charge-offs | 139.4611% | 1,534 |
| Earnings coverage of net charge-offs (x) | 20.3484% | 1,859 |
| Efficiency ratio | 59.2054% | 3,167 |
| Assets per employee ($millions) | 6.9746% | 2,091 |
| Cash dividends to net income (ytd only)* | 61.1003% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9436% | 3,557 |
| Loan loss allowance to noncurrent loans | 556.6047% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 2,875 |
| Noncurrent loans to loans | 0.1695% | 2,671 |
| Net loans and leases to total assets | 54.1100% | 3,341 |
| Net loans and leases to deposits | 66.3361% | 3,151 |
| Net loans and leases to core deposits | 69.8920% | 3,312 |
| Total domestic deposits to total assets | 81.5700% | 3,209 |
| Equity capital to assets | 7.5890% | 3,665 |
| Core capital (leverage) ratio | 9.5648% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8122% | 1,933 |
| Memoranda: | ||
| Average total assets | $31,778,027,800 | 65 |
| Average earning assets | $29,757,437,200 | 63 |
| Average equity | $2,154,250,600 | 94 |
| Average total loans | $16,831,439,200 | 75 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 2,914 |
| Cost of funding earning assets | 1.2143% | 2,387 |
| Net interest margin | 3.2874% | 2,715 |
| Noninterest income to average assets | 1.7900% | 326 |
| Noninterest expense to average assets | 2.8136% | 1,403 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.5073% | 1,107 |
| Return on assets (ROA) | 1.4795% | 1,145 |
| Pretax return on assets | 1.8944% | 865 |
| Return on Equity (ROE) | 22.4900% | 525 |
| Retained earnings to average equity (ytd only) | 7.8517% | 2,017 |
| Net charge-offs to loans | 0.1836% | 478 |
| Credit loss provision to net charge-offs | 152.5361% | 1,314 |
| Earnings coverage of net charge-offs (x) | 21.2802% | 1,783 |
| Efficiency ratio | 57.7936% | 3,228 |
| Assets per employee ($millions) | 6.8476% | 2,074 |
| Cash dividends to net income (ytd only)* | 65.0859% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9469% | 3,571 |
| Loan loss allowance to noncurrent loans | 605.6366% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 2,986 |
| Noncurrent loans to loans | 0.1563% | 2,768 |
| Net loans and leases to total assets | 54.3900% | 3,331 |
| Net loans and leases to deposits | 66.7227% | 3,071 |
| Net loans and leases to core deposits | 71.2543% | 3,146 |
| Total domestic deposits to total assets | 81.5200% | 3,304 |
| Equity capital to assets | 6.5163% | 3,827 |
| Core capital (leverage) ratio | 9.2211% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6670% | 2,022 |
| Memoranda: | ||
| Average total assets | $31,846,459,500 | 66 |
| Average earning assets | $29,834,216,750 | 64 |
| Average equity | $2,095,101,000 | 96 |
| Average total loans | $16,736,885,000 | 77 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 3,033 |
| Cost of funding earning assets | 1.0538% | 2,438 |
| Net interest margin | 3.2809% | 2,791 |
| Noninterest income to average assets | 1.7700% | 275 |
| Noninterest expense to average assets | 2.7696% | 1,481 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.5379% | 1,039 |
| Return on assets (ROA) | 1.4964% | 1,106 |
| Pretax return on assets | 1.9148% | 841 |
| Return on Equity (ROE) | 22.6800% | 502 |
| Retained earnings to average equity (ytd only) | 7.5511% | 2,113 |
| Net charge-offs to loans | 0.1598% | 491 |
| Credit loss provision to net charge-offs | 164.4527% | 1,146 |
| Earnings coverage of net charge-offs (x) | 25.1269% | 1,634 |
| Efficiency ratio | 57.1033% | 3,286 |
| Assets per employee ($millions) | 7.0272% | 1,903 |
| Cash dividends to net income (ytd only)* | 66.7006% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 3,670 |
| Loan loss allowance to noncurrent loans | 737.6581% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 3,084 |
| Noncurrent loans to loans | 0.1268% | 2,837 |
| Net loans and leases to total assets | 51.4700% | 3,449 |
| Net loans and leases to deposits | 64.2021% | 3,178 |
| Net loans and leases to core deposits | 70.0856% | 3,126 |
| Total domestic deposits to total assets | 80.1700% | 3,550 |
| Equity capital to assets | 6.5674% | 3,971 |
| Core capital (leverage) ratio | 8.9810% | 3,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4114% | 2,129 |
| Memoranda: | ||
| Average total assets | $32,060,481,333 | 64 |
| Average earning assets | $30,057,435,000 | 63 |
| Average equity | $2,115,678,333 | 94 |
| Average total loans | $16,604,364,667 | 75 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 3,218 |
| Cost of funding earning assets | 0.7875% | 2,776 |
| Net interest margin | 3.3313% | 2,792 |
| Noninterest income to average assets | 1.7300% | 283 |
| Noninterest expense to average assets | 2.7781% | 1,489 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.5117% | 1,162 |
| Return on assets (ROA) | 1.4810% | 1,198 |
| Pretax return on assets | 1.8911% | 919 |
| Return on Equity (ROE) | 22.3900% | 556 |
| Retained earnings to average equity (ytd only) | 7.1594% | 2,452 |
| Net charge-offs to loans | 0.1648% | 428 |
| Credit loss provision to net charge-offs | 235.6731% | 763 |
| Earnings coverage of net charge-offs (x) | 24.3422% | 1,390 |
| Efficiency ratio | 57.2363% | 3,276 |
| Assets per employee ($millions) | 7.0959% | 1,903 |
| Cash dividends to net income (ytd only)* | 68.0197% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 3,662 |
| Loan loss allowance to noncurrent loans | 704.9113% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 3,061 |
| Noncurrent loans to loans | 0.1366% | 2,821 |
| Net loans and leases to total assets | 51.4300% | 3,388 |
| Net loans and leases to deposits | 65.6795% | 2,960 |
| Net loans and leases to core deposits | 67.9760% | 3,102 |
| Total domestic deposits to total assets | 78.3100% | 3,970 |
| Equity capital to assets | 6.8908% | 3,877 |
| Core capital (leverage) ratio | 9.0826% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3380% | 2,248 |
| Memoranda: | ||
| Average total assets | $31,766,591,000 | 70 |
| Average earning assets | $29,767,265,000 | 67 |
| Average equity | $2,101,454,500 | 97 |
| Average total loans | $16,424,889,500 | 79 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0762% | 4,032 |
| Cost of funding earning assets | 0.1860% | 3,864 |
| Net interest margin | 2.8902% | 3,703 |
| Noninterest income to average assets | 1.6300% | 315 |
| Noninterest expense to average assets | 2.4659% | 2,220 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.4278% | 1,055 |
| Return on assets (ROA) | 1.3802% | 1,133 |
| Pretax return on assets | 1.7599% | 804 |
| Return on Equity (ROE) | 19.9000% | 491 |
| Retained earnings to average equity (ytd only) | 7.0802% | 2,208 |
| Net charge-offs to loans | 0.1213% | 634 |
| Credit loss provision to net charge-offs | 100.4826% | 1,552 |
| Earnings coverage of net charge-offs (x) | 33.6876% | 1,616 |
| Efficiency ratio | 56.4174% | 3,534 |
| Assets per employee ($millions) | 7.1771% | 1,843 |
| Cash dividends to net income (ytd only)* | 64.4187% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 3,695 |
| Loan loss allowance to noncurrent loans | 622.0418% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 3,001 |
| Noncurrent loans to loans | 0.1480% | 2,764 |
| Net loans and leases to total assets | 51.0000% | 3,431 |
| Net loans and leases to deposits | 61.1450% | 3,265 |
| Net loans and leases to core deposits | 62.1481% | 3,383 |
| Total domestic deposits to total assets | 83.4100% | 3,334 |
| Equity capital to assets | 6.3383% | 3,964 |
| Core capital (leverage) ratio | 8.8609% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0485% | 2,352 |
| Memoranda: | ||
| Average total assets | $33,740,597,800 | 69 |
| Average earning assets | $31,968,423,400 | 67 |
| Average equity | $2,340,385,800 | 93 |
| Average total loans | $15,712,221,000 | 82 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8651% | 4,104 |
| Cost of funding earning assets | 0.1080% | 4,216 |
| Net interest margin | 2.7570% | 3,820 |
| Noninterest income to average assets | 1.6100% | 337 |
| Noninterest expense to average assets | 2.4374% | 2,199 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.3695% | 1,175 |
| Return on assets (ROA) | 1.3069% | 1,294 |
| Pretax return on assets | 1.6662% | 967 |
| Return on Equity (ROE) | 18.4700% | 580 |
| Retained earnings to average equity (ytd only) | 6.3688% | 2,608 |
| Net charge-offs to loans | 0.1149% | 544 |
| Credit loss provision to net charge-offs | 50.3093% | 1,521 |
| Earnings coverage of net charge-offs (x) | 34.3613% | 1,452 |
| Efficiency ratio | 57.5759% | 3,435 |
| Assets per employee ($millions) | 7.3284% | 1,726 |
| Cash dividends to net income (ytd only)* | 65.5224% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9013% | 3,850 |
| Loan loss allowance to noncurrent loans | 726.9902% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 3,240 |
| Noncurrent loans to loans | 0.1240% | 3,024 |
| Net loans and leases to total assets | 48.6300% | 3,564 |
| Net loans and leases to deposits | 56.9273% | 3,408 |
| Net loans and leases to core deposits | 57.8034% | 3,517 |
| Total domestic deposits to total assets | 85.4300% | 3,194 |
| Equity capital to assets | 5.9384% | 3,984 |
| Core capital (leverage) ratio | 8.5399% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9405% | 2,496 |
| Memoranda: | ||
| Average total assets | $34,255,793,000 | 70 |
| Average earning assets | $32,536,703,750 | 66 |
| Average equity | $2,423,489,500 | 93 |
| Average total loans | $15,563,252,500 | 82 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6378% | 4,236 |
| Cost of funding earning assets | 0.0556% | 4,564 |
| Net interest margin | 2.5822% | 3,939 |
| Noninterest income to average assets | 1.5777% | 314 |
| Noninterest expense to average assets | 2.3964% | 2,231 |
| Loan and lease loss provision to assets | -0.0155% | 4,413 |
| Net operating income to assets | 1.3035% | 1,126 |
| Return on assets (ROA) | 1.2597% | 1,240 |
| Pretax return on assets | 1.6045% | 924 |
| Return on Equity (ROE) | 16.9612% | 573 |
| Retained earnings to average equity (ytd only) | 6.1491% | 2,286 |
| Net charge-offs to loans | 0.1114% | 542 |
| Credit loss provision to net charge-offs | -39.4957% | 3,021 |
| Earnings coverage of net charge-offs (x) | 33.3155% | 1,348 |
| Efficiency ratio | 59.2812% | 3,406 |
| Assets per employee ($millions) | 7.4231% | 1,663 |
| Cash dividends to net income (ytd only)* | 63.7459% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 4,006 |
| Loan loss allowance to noncurrent loans | 696.2524% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 3,346 |
| Noncurrent loans to loans | 0.1263% | 3,087 |
| Net loans and leases to total assets | 46.7742% | 3,657 |
| Net loans and leases to deposits | 54.7988% | 3,484 |
| Net loans and leases to core deposits | 55.6186% | 3,597 |
| Total domestic deposits to total assets | 85.3563% | 3,403 |
| Equity capital to assets | 6.7309% | 3,925 |
| Core capital (leverage) ratio | 8.1927% | 4,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8816% | 2,542 |
| Memoranda: | ||
| Average total assets | $34,869,855,667 | 69 |
| Average earning assets | $33,262,447,000 | 66 |
| Average equity | $2,589,697,667 | 88 |
| Average total loans | $15,448,663,333 | 81 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4602% | 4,315 |
| Cost of funding earning assets | 0.0363% | 4,686 |
| Net interest margin | 2.4239% | 4,029 |
| Noninterest income to average assets | 1.4880% | 361 |
| Noninterest expense to average assets | 2.2834% | 2,564 |
| Loan and lease loss provision to assets | -0.1105% | 4,613 |
| Net operating income to assets | 1.2865% | 1,028 |
| Return on assets (ROA) | 1.2860% | 1,021 |
| Pretax return on assets | 1.6364% | 777 |
| Return on Equity (ROE) | 16.5916% | 466 |
| Retained earnings to average equity (ytd only) | 6.4663% | 2,085 |
| Net charge-offs to loans | 0.1213% | 452 |
| Credit loss provision to net charge-offs | -229.8344% | 2,997 |
| Earnings coverage of net charge-offs (x) | 29.2829% | 1,143 |
| Efficiency ratio | 59.9129% | 3,486 |
| Assets per employee ($millions) | 7.8820% | 1,449 |
| Cash dividends to net income (ytd only)* | 61.0266% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 4,111 |
| Loan loss allowance to noncurrent loans | 708.8135% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 3,454 |
| Noncurrent loans to loans | 0.1229% | 3,208 |
| Net loans and leases to total assets | 44.0125% | 3,735 |
| Net loans and leases to deposits | 51.8967% | 3,575 |
| Net loans and leases to core deposits | 52.8293% | 3,677 |
| Total domestic deposits to total assets | 84.8079% | 3,585 |
| Equity capital to assets | 7.2718% | 4,063 |
| Core capital (leverage) ratio | 7.8569% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8019% | 2,679 |
| Memoranda: | ||
| Average total assets | $35,676,976,500 | 68 |
| Average earning assets | $34,172,402,500 | 64 |
| Average equity | $2,765,344,000 | 87 |
| Average total loans | $15,326,448,000 | 82 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5574% | 4,440 |
| Cost of funding earning assets | 0.0397% | 4,730 |
| Net interest margin | 2.5177% | 4,167 |
| Noninterest income to average assets | 1.6338% | 422 |
| Noninterest expense to average assets | 2.3212% | 2,733 |
| Loan and lease loss provision to assets | -0.1945% | 4,688 |
| Net operating income to assets | 1.4982% | 1,020 |
| Return on assets (ROA) | 1.4908% | 1,094 |
| Pretax return on assets | 1.9058% | 714 |
| Return on Equity (ROE) | 16.8038% | 618 |
| Retained earnings to average equity (ytd only) | 5.5667% | 2,533 |
| Net charge-offs to loans | 0.1178% | 764 |
| Credit loss provision to net charge-offs | -281.2678% | 3,598 |
| Earnings coverage of net charge-offs (x) | 31.6070% | 1,574 |
| Efficiency ratio | 57.4026% | 3,534 |
| Assets per employee ($millions) | 8.3502% | 1,144 |
| Cash dividends to net income (ytd only)* | 66.8724% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9881% | 3,796 |
| Loan loss allowance to noncurrent loans | 718.4983% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 3,534 |
| Noncurrent loans to loans | 0.1375% | 3,242 |
| Net loans and leases to total assets | 41.1740% | 4,020 |
| Net loans and leases to deposits | 50.0090% | 3,878 |
| Net loans and leases to core deposits | 51.3942% | 3,937 |
| Total domestic deposits to total assets | 82.3332% | 3,916 |
| Equity capital to assets | 8.2083% | 4,229 |
| Core capital (leverage) ratio | 7.8605% | 4,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1862% | 2,565 |
| Memoranda: | ||
| Average total assets | $34,104,503,800 | 70 |
| Average earning assets | $32,620,499,400 | 64 |
| Average equity | $3,025,696,600 | 76 |
| Average total loans | $15,763,648,800 | 83 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6313% | 4,475 |
| Cost of funding earning assets | 0.0420% | 4,808 |
| Net interest margin | 2.5893% | 4,147 |
| Noninterest income to average assets | 1.6380% | 466 |
| Noninterest expense to average assets | 2.3583% | 2,570 |
| Loan and lease loss provision to assets | -0.2359% | 4,782 |
| Net operating income to assets | 1.5620% | 1,117 |
| Return on assets (ROA) | 1.5621% | 1,165 |
| Pretax return on assets | 1.9886% | 815 |
| Return on Equity (ROE) | 17.2561% | 731 |
| Retained earnings to average equity (ytd only) | 5.3861% | 3,071 |
| Net charge-offs to loans | 0.1199% | 657 |
| Credit loss provision to net charge-offs | -305.7233% | 3,496 |
| Earnings coverage of net charge-offs (x) | 30.7716% | 1,511 |
| Efficiency ratio | 57.3426% | 3,376 |
| Assets per employee ($millions) | 7.8184% | 1,363 |
| Cash dividends to net income (ytd only)* | 68.7870% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,566 |
| Loan loss allowance to noncurrent loans | 778.1948% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 3,641 |
| Noncurrent loans to loans | 0.1379% | 3,421 |
| Net loans and leases to total assets | 43.6978% | 3,977 |
| Net loans and leases to deposits | 52.7951% | 3,829 |
| Net loans and leases to core deposits | 54.6340% | 3,876 |
| Total domestic deposits to total assets | 82.7686% | 3,764 |
| Equity capital to assets | 8.8379% | 3,972 |
| Core capital (leverage) ratio | 7.9677% | 4,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8661% | 2,751 |
| Memoranda: | ||
| Average total assets | $33,501,727,000 | 70 |
| Average earning assets | $31,995,144,750 | 65 |
| Average equity | $3,032,795,500 | 77 |
| Average total loans | $15,908,317,500 | 82 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6278% | 4,523 |
| Cost of funding earning assets | 0.0449% | 4,843 |
| Net interest margin | 2.5829% | 4,192 |
| Noninterest income to average assets | 1.6447% | 455 |
| Noninterest expense to average assets | 2.3028% | 2,769 |
| Loan and lease loss provision to assets | -0.3123% | 4,846 |
| Net operating income to assets | 1.6718% | 915 |
| Return on assets (ROA) | 1.6719% | 966 |
| Pretax return on assets | 2.1198% | 662 |
| Return on Equity (ROE) | 18.3189% | 615 |
| Retained earnings to average equity (ytd only) | 6.4469% | 2,641 |
| Net charge-offs to loans | 0.1318% | 603 |
| Credit loss provision to net charge-offs | -354.8263% | 3,369 |
| Earnings coverage of net charge-offs (x) | 28.1919% | 1,342 |
| Efficiency ratio | 56.0005% | 3,542 |
| Assets per employee ($millions) | 7.6050% | 1,415 |
| Cash dividends to net income (ytd only)* | 64.8072% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 3,413 |
| Loan loss allowance to noncurrent loans | 733.4709% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 3,693 |
| Noncurrent loans to loans | 0.1501% | 3,450 |
| Net loans and leases to total assets | 45.9514% | 3,910 |
| Net loans and leases to deposits | 55.8485% | 3,722 |
| Net loans and leases to core deposits | 58.0316% | 3,755 |
| Total domestic deposits to total assets | 82.2787% | 3,865 |
| Equity capital to assets | 9.1016% | 3,710 |
| Core capital (leverage) ratio | 8.0706% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1647% | 2,660 |
| Memoranda: | ||
| Average total assets | $33,225,477,667 | 68 |
| Average earning assets | $31,714,286,000 | 65 |
| Average equity | $3,032,362,000 | 76 |
| Average total loans | $16,156,279,000 | 81 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6575% | 4,518 |
| Cost of funding earning assets | 0.0504% | 4,867 |
| Net interest margin | 2.6071% | 4,134 |
| Noninterest income to average assets | 1.6501% | 517 |
| Noninterest expense to average assets | 2.3184% | 2,727 |
| Loan and lease loss provision to assets | -0.0756% | 4,690 |
| Net operating income to assets | 1.5096% | 1,308 |
| Return on assets (ROA) | 1.5097% | 1,368 |
| Pretax return on assets | 1.8924% | 1,129 |
| Return on Equity (ROE) | 16.5187% | 926 |
| Retained earnings to average equity (ytd only) | 4.5757% | 3,343 |
| Net charge-offs to loans | 0.2427% | 348 |
| Credit loss provision to net charge-offs | -104.0699% | 2,839 |
| Earnings coverage of net charge-offs (x) | 15.0520% | 1,349 |
| Efficiency ratio | 56.0413% | 3,540 |
| Assets per employee ($millions) | 7.3941% | 1,521 |
| Cash dividends to net income (ytd only)* | 72.2996% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,815 |
| Loan loss allowance to noncurrent loans | 445.4374% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 3,464 |
| Noncurrent loans to loans | 0.2740% | 3,119 |
| Net loans and leases to total assets | 48.9509% | 3,715 |
| Net loans and leases to deposits | 58.7334% | 3,585 |
| Net loans and leases to core deposits | 61.1242% | 3,634 |
| Total domestic deposits to total assets | 83.3441% | 3,606 |
| Equity capital to assets | 8.9020% | 3,784 |
| Core capital (leverage) ratio | 8.2084% | 4,391 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1114% | 2,622 |
| Memoranda: | ||
| Average total assets | $32,981,747,000 | 69 |
| Average earning assets | $31,435,743,500 | 66 |
| Average equity | $3,014,337,500 | 76 |
| Average total loans | $16,402,438,500 | 80 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1193% | 4,544 |
| Cost of funding earning assets | 0.1546% | 4,714 |
| Net interest margin | 2.9647% | 3,975 |
| Noninterest income to average assets | 1.7036% | 434 |
| Noninterest expense to average assets | 2.6456% | 2,400 |
| Loan and lease loss provision to assets | 0.3941% | 808 |
| Net operating income to assets | 1.1692% | 1,655 |
| Return on assets (ROA) | 1.2263% | 1,570 |
| Pretax return on assets | 1.5377% | 1,230 |
| Return on Equity (ROE) | 12.4025% | 1,207 |
| Retained earnings to average equity (ytd only) | 5.1897% | 2,191 |
| Net charge-offs to loans | 0.2204% | 786 |
| Credit loss provision to net charge-offs | 332.9193% | 1,623 |
| Earnings coverage of net charge-offs (x) | 15.7142% | 2,162 |
| Efficiency ratio | 58.6822% | 3,636 |
| Assets per employee ($millions) | 7.3644% | 1,356 |
| Cash dividends to net income (ytd only)* | 58.1560% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 2,198 |
| Loan loss allowance to noncurrent loans | 453.1787% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 3,486 |
| Noncurrent loans to loans | 0.2976% | 3,131 |
| Net loans and leases to total assets | 49.2368% | 3,886 |
| Net loans and leases to deposits | 59.5642% | 3,796 |
| Net loans and leases to core deposits | 62.0911% | 3,824 |
| Total domestic deposits to total assets | 82.6617% | 3,502 |
| Equity capital to assets | 9.3794% | 3,717 |
| Core capital (leverage) ratio | 8.3634% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3024% | 2,517 |
| Memoranda: | ||
| Average total assets | $29,445,033,600 | 74 |
| Average earning assets | $27,832,351,000 | 69 |
| Average equity | $2,911,501,600 | 77 |
| Average total loans | $15,814,926,400 | 81 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2392% | 4,545 |
| Cost of funding earning assets | 0.1880% | 4,707 |
| Net interest margin | 3.0512% | 3,863 |
| Noninterest income to average assets | 1.7215% | 395 |
| Noninterest expense to average assets | 2.7214% | 2,198 |
| Loan and lease loss provision to assets | 0.5759% | 454 |
| Net operating income to assets | 1.0402% | 2,192 |
| Return on assets (ROA) | 1.1032% | 2,098 |
| Pretax return on assets | 1.3813% | 1,791 |
| Return on Equity (ROE) | 10.9952% | 1,678 |
| Retained earnings to average equity (ytd only) | 3.5624% | 3,276 |
| Net charge-offs to loans | 0.2283% | 669 |
| Credit loss provision to net charge-offs | 460.3196% | 1,345 |
| Earnings coverage of net charge-offs (x) | 15.0137% | 2,121 |
| Efficiency ratio | 59.1292% | 3,504 |
| Assets per employee ($millions) | 6.8806% | 1,577 |
| Cash dividends to net income (ytd only)* | 67.6007% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,589 |
| Loan loss allowance to noncurrent loans | 432.0550% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 3,374 |
| Noncurrent loans to loans | 0.3323% | 3,091 |
| Net loans and leases to total assets | 51.7434% | 3,982 |
| Net loans and leases to deposits | 62.7253% | 3,885 |
| Net loans and leases to core deposits | 65.7807% | 3,904 |
| Total domestic deposits to total assets | 82.4921% | 3,289 |
| Equity capital to assets | 9.5936% | 3,609 |
| Core capital (leverage) ratio | 8.3664% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1895% | 2,536 |
| Memoranda: | ||
| Average total assets | $28,604,150,750 | 74 |
| Average earning assets | $26,983,632,750 | 71 |
| Average equity | $2,870,068,750 | 77 |
| Average total loans | $15,674,975,500 | 81 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3281% | 4,619 |
| Cost of funding earning assets | 0.2371% | 4,660 |
| Net interest margin | 3.0910% | 3,918 |
| Noninterest income to average assets | 1.7420% | 353 |
| Noninterest expense to average assets | 2.8719% | 1,909 |
| Loan and lease loss provision to assets | 0.8694% | 259 |
| Net operating income to assets | 0.7314% | 3,274 |
| Return on assets (ROA) | 0.7503% | 3,327 |
| Pretax return on assets | 0.9314% | 3,225 |
| Return on Equity (ROE) | 7.3560% | 2,986 |
| Retained earnings to average equity (ytd only) | 0.2740% | 4,253 |
| Net charge-offs to loans | 0.2499% | 630 |
| Credit loss provision to net charge-offs | 624.9818% | 1,078 |
| Earnings coverage of net charge-offs (x) | 12.7774% | 2,031 |
| Efficiency ratio | 61.7340% | 3,167 |
| Assets per employee ($millions) | 6.4338% | 1,838 |
| Cash dividends to net income (ytd only)* | 96.2751% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4672% | 1,361 |
| Loan loss allowance to noncurrent loans | 509.8564% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 3,534 |
| Noncurrent loans to loans | 0.2878% | 3,346 |
| Net loans and leases to total assets | 53.1701% | 3,943 |
| Net loans and leases to deposits | 65.1547% | 3,794 |
| Net loans and leases to core deposits | 68.4961% | 3,830 |
| Total domestic deposits to total assets | 81.6059% | 3,470 |
| Equity capital to assets | 9.6651% | 3,513 |
| Core capital (leverage) ratio | 8.4000% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1588% | 2,541 |
| Memoranda: | ||
| Average total assets | $27,687,271,000 | 75 |
| Average earning assets | $26,042,260,000 | 74 |
| Average equity | $2,824,079,000 | 79 |
| Average total loans | $15,413,164,000 | 83 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5742% | 4,554 |
| Cost of funding earning assets | 0.3336% | 4,567 |
| Net interest margin | 3.2406% | 3,751 |
| Noninterest income to average assets | 1.9237% | 285 |
| Noninterest expense to average assets | 3.2017% | 1,419 |
| Loan and lease loss provision to assets | 0.6513% | 409 |
| Net operating income to assets | 0.8981% | 2,528 |
| Return on assets (ROA) | 0.8970% | 2,631 |
| Pretax return on assets | 1.1075% | 2,495 |
| Return on Equity (ROE) | 8.5362% | 2,301 |
| Retained earnings to average equity (ytd only) | 1.3074% | 3,669 |
| Net charge-offs to loans | 0.2912% | 499 |
| Credit loss provision to net charge-offs | 394.8057% | 1,018 |
| Earnings coverage of net charge-offs (x) | 10.6688% | 1,757 |
| Efficiency ratio | 64.4916% | 3,150 |
| Assets per employee ($millions) | 5.6508% | 1,970 |
| Cash dividends to net income (ytd only)* | 84.6840% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 3,001 |
| Loan loss allowance to noncurrent loans | 632.1928% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1540% | 3,882 |
| Noncurrent loans to loans | 0.1801% | 3,832 |
| Net loans and leases to total assets | 55.8366% | 3,855 |
| Net loans and leases to deposits | 70.8528% | 3,530 |
| Net loans and leases to core deposits | 73.9995% | 3,631 |
| Total domestic deposits to total assets | 78.8065% | 4,086 |
| Equity capital to assets | 10.6576% | 3,184 |
| Core capital (leverage) ratio | 9.5165% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1709% | 2,628 |
| Memoranda: | ||
| Average total assets | $26,327,732,500 | 77 |
| Average earning assets | $24,681,460,000 | 74 |
| Average equity | $2,766,712,000 | 79 |
| Average total loans | $14,915,826,500 | 82 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8301% | 4,528 |
| Cost of funding earning assets | 0.4348% | 4,322 |
| Net interest margin | 3.3953% | 3,760 |
| Noninterest income to average assets | 2.0477% | 249 |
| Noninterest expense to average assets | 2.9718% | 2,091 |
| Loan and lease loss provision to assets | 0.1975% | 1,030 |
| Net operating income to assets | 1.6323% | 770 |
| Return on assets (ROA) | 1.6313% | 826 |
| Pretax return on assets | 2.0702% | 511 |
| Return on Equity (ROE) | 15.2384% | 644 |
| Retained earnings to average equity (ytd only) | -3.0464% | 4,914 |
| Net charge-offs to loans | 0.3459% | 585 |
| Credit loss provision to net charge-offs | 101.5094% | 2,441 |
| Earnings coverage of net charge-offs (x) | 11.6649% | 2,476 |
| Efficiency ratio | 56.6653% | 4,127 |
| Assets per employee ($millions) | 5.5818% | 1,996 |
| Cash dividends to net income (ytd only)* | 119.9918% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0892% | 3,010 |
| Loan loss allowance to noncurrent loans | 534.1999% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 3,774 |
| Noncurrent loans to loans | 0.2039% | 3,727 |
| Net loans and leases to total assets | 56.2153% | 3,912 |
| Net loans and leases to deposits | 70.0300% | 3,670 |
| Net loans and leases to core deposits | 73.9856% | 3,722 |
| Total domestic deposits to total assets | 80.2732% | 3,921 |
| Equity capital to assets | 10.3556% | 3,582 |
| Core capital (leverage) ratio | 9.5706% | 3,990 |
| Tier 1 risk-based capital ratio | 12.3657% | 4,149 |
| Total risk-based capital ratio | 13.1916% | 4,275 |
| Memoranda: | ||
| Average total assets | $25,544,190,600 | 75 |
| Average earning assets | $24,023,574,800 | 72 |
| Average equity | $2,734,499,400 | 77 |
| Average total loans | $14,363,277,200 | 80 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 4,574 |
| Cost of funding earning assets | 0.4472% | 4,338 |
| Net interest margin | 3.4256% | 3,788 |
| Noninterest income to average assets | 1.9909% | 270 |
| Noninterest expense to average assets | 2.9682% | 2,061 |
| Loan and lease loss provision to assets | 0.1846% | 977 |
| Net operating income to assets | 1.6250% | 877 |
| Return on assets (ROA) | 1.6274% | 911 |
| Pretax return on assets | 2.0622% | 597 |
| Return on Equity (ROE) | 15.0770% | 762 |
| Retained earnings to average equity (ytd only) | 1.9681% | 4,283 |
| Net charge-offs to loans | 0.3223% | 536 |
| Credit loss provision to net charge-offs | 102.1750% | 2,210 |
| Earnings coverage of net charge-offs (x) | 12.4162% | 2,361 |
| Efficiency ratio | 56.9089% | 4,074 |
| Assets per employee ($millions) | 5.4473% | 2,079 |
| Cash dividends to net income (ytd only)* | 86.9464% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 2,980 |
| Loan loss allowance to noncurrent loans | 573.0252% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 3,885 |
| Noncurrent loans to loans | 0.1936% | 3,844 |
| Net loans and leases to total assets | 55.5504% | 4,074 |
| Net loans and leases to deposits | 70.0644% | 3,769 |
| Net loans and leases to core deposits | 74.3852% | 3,804 |
| Total domestic deposits to total assets | 79.2848% | 4,125 |
| Equity capital to assets | 11.0270% | 3,083 |
| Core capital (leverage) ratio | 10.2323% | 3,385 |
| Tier 1 risk-based capital ratio | 13.1421% | 3,768 |
| Total risk-based capital ratio | 13.9780% | 3,888 |
| Memoranda: | ||
| Average total assets | $25,441,371,000 | 75 |
| Average earning assets | $23,921,643,250 | 73 |
| Average equity | $2,746,161,500 | 77 |
| Average total loans | $14,266,190,000 | 80 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8966% | 4,561 |
| Cost of funding earning assets | 0.4346% | 4,373 |
| Net interest margin | 3.4621% | 3,707 |
| Noninterest income to average assets | 1.9497% | 277 |
| Noninterest expense to average assets | 2.9817% | 2,051 |
| Loan and lease loss provision to assets | 0.1916% | 916 |
| Net operating income to assets | 1.6122% | 877 |
| Return on assets (ROA) | 1.6160% | 914 |
| Pretax return on assets | 2.0380% | 630 |
| Return on Equity (ROE) | 15.0818% | 742 |
| Retained earnings to average equity (ytd only) | 6.2384% | 2,174 |
| Net charge-offs to loans | 0.3243% | 526 |
| Credit loss provision to net charge-offs | 105.4305% | 1,896 |
| Earnings coverage of net charge-offs (x) | 12.2401% | 2,164 |
| Efficiency ratio | 57.2257% | 4,103 |
| Assets per employee ($millions) | 5.3735% | 2,079 |
| Cash dividends to net income (ytd only)* | 58.6361% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 2,913 |
| Loan loss allowance to noncurrent loans | 582.6206% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 3,877 |
| Noncurrent loans to loans | 0.1937% | 3,858 |
| Net loans and leases to total assets | 55.0040% | 4,141 |
| Net loans and leases to deposits | 70.4147% | 3,805 |
| Net loans and leases to core deposits | 75.1643% | 3,801 |
| Total domestic deposits to total assets | 78.1144% | 4,373 |
| Equity capital to assets | 11.1019% | 2,944 |
| Core capital (leverage) ratio | 10.4176% | 3,177 |
| Tier 1 risk-based capital ratio | 13.3551% | 3,657 |
| Total risk-based capital ratio | 14.1935% | 3,777 |
| Memoranda: | ||
| Average total assets | $25,327,846,670 | 74 |
| Average earning assets | $23,825,413,330 | 72 |
| Average equity | $2,713,892,330 | 77 |
| Average total loans | $14,194,034,000 | 80 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 4,671 |
| Cost of funding earning assets | 0.4164% | 4,417 |
| Net interest margin | 3.4091% | 3,866 |
| Noninterest income to average assets | 1.9120% | 265 |
| Noninterest expense to average assets | 2.9884% | 2,025 |
| Loan and lease loss provision to assets | 0.1982% | 816 |
| Net operating income to assets | 1.5486% | 1,010 |
| Return on assets (ROA) | 1.5573% | 1,019 |
| Pretax return on assets | 1.9516% | 700 |
| Return on Equity (ROE) | 14.8062% | 787 |
| Retained earnings to average equity (ytd only) | 5.7357% | 2,574 |
| Net charge-offs to loans | 0.3311% | 463 |
| Credit loss provision to net charge-offs | 106.4031% | 1,521 |
| Earnings coverage of net charge-offs (x) | 11.4840% | 1,905 |
| Efficiency ratio | 58.2405% | 4,050 |
| Assets per employee ($millions) | 5.2574% | 2,217 |
| Cash dividends to net income (ytd only)* | 61.2614% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,927 |
| Loan loss allowance to noncurrent loans | 557.4977% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 3,842 |
| Noncurrent loans to loans | 0.2038% | 3,860 |
| Net loans and leases to total assets | 56.0764% | 4,052 |
| Net loans and leases to deposits | 69.2216% | 3,829 |
| Net loans and leases to core deposits | 73.1199% | 3,859 |
| Total domestic deposits to total assets | 81.0099% | 3,965 |
| Equity capital to assets | 10.8471% | 3,002 |
| Core capital (leverage) ratio | 10.2613% | 3,318 |
| Tier 1 risk-based capital ratio | 13.3697% | 3,685 |
| Total risk-based capital ratio | 14.2227% | 3,789 |
| Memoranda: | ||
| Average total assets | $25,157,129,000 | 75 |
| Average earning assets | $23,725,918,500 | 73 |
| Average equity | $2,645,950,000 | 81 |
| Average total loans | $14,150,893,500 | 80 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7259% | 4,630 |
| Cost of funding earning assets | 0.2843% | 4,639 |
| Net interest margin | 3.4416% | 3,875 |
| Noninterest income to average assets | 2.0308% | 263 |
| Noninterest expense to average assets | 2.9557% | 2,175 |
| Loan and lease loss provision to assets | 0.1721% | 1,157 |
| Net operating income to assets | 1.7198% | 656 |
| Return on assets (ROA) | 1.6884% | 705 |
| Pretax return on assets | 2.1112% | 427 |
| Return on Equity (ROE) | 17.0779% | 486 |
| Retained earnings to average equity (ytd only) | 8.9218% | 893 |
| Net charge-offs to loans | 0.3020% | 641 |
| Credit loss provision to net charge-offs | 100.9458% | 2,493 |
| Earnings coverage of net charge-offs (x) | 13.6203% | 2,441 |
| Efficiency ratio | 55.9485% | 4,415 |
| Assets per employee ($millions) | 5.4813% | 1,976 |
| Cash dividends to net income (ytd only)* | 47.7580% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,929 |
| Loan loss allowance to noncurrent loans | 547.8249% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1987% | 3,834 |
| Noncurrent loans to loans | 0.2062% | 3,843 |
| Net loans and leases to total assets | 55.1575% | 4,195 |
| Net loans and leases to deposits | 68.1301% | 3,970 |
| Net loans and leases to core deposits | 71.2022% | 4,048 |
| Total domestic deposits to total assets | 80.9591% | 3,899 |
| Equity capital to assets | 10.1941% | 3,475 |
| Core capital (leverage) ratio | 10.0671% | 3,498 |
| Tier 1 risk-based capital ratio | 13.1366% | 3,768 |
| Total risk-based capital ratio | 13.9844% | 3,880 |
| Memoranda: | ||
| Average total assets | $24,803,047,000 | 73 |
| Average earning assets | $23,403,781,200 | 69 |
| Average equity | $2,452,168,600 | 82 |
| Average total loans | $14,005,712,800 | 80 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6839% | 4,680 |
| Cost of funding earning assets | 0.2613% | 4,722 |
| Net interest margin | 3.4226% | 3,939 |
| Noninterest income to average assets | 1.9949% | 276 |
| Noninterest expense to average assets | 2.9445% | 2,181 |
| Loan and lease loss provision to assets | 0.1646% | 1,153 |
| Net operating income to assets | 1.6958% | 752 |
| Return on assets (ROA) | 1.6974% | 748 |
| Pretax return on assets | 2.1174% | 467 |
| Return on Equity (ROE) | 17.3076% | 509 |
| Retained earnings to average equity (ytd only) | 9.0375% | 1,205 |
| Net charge-offs to loans | 0.2887% | 578 |
| Credit loss provision to net charge-offs | 100.6614% | 2,242 |
| Earnings coverage of net charge-offs (x) | 13.9441% | 2,316 |
| Efficiency ratio | 56.3087% | 4,345 |
| Assets per employee ($millions) | 5.3800% | 2,038 |
| Cash dividends to net income (ytd only)* | 47.7829% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 2,945 |
| Loan loss allowance to noncurrent loans | 714.3649% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,161 |
| Noncurrent loans to loans | 0.1600% | 4,163 |
| Net loans and leases to total assets | 55.3206% | 4,272 |
| Net loans and leases to deposits | 67.8122% | 4,071 |
| Net loans and leases to core deposits | 70.9926% | 4,130 |
| Total domestic deposits to total assets | 81.5791% | 3,712 |
| Equity capital to assets | 9.8249% | 3,800 |
| Core capital (leverage) ratio | 9.9057% | 3,735 |
| Tier 1 risk-based capital ratio | 12.9543% | 3,938 |
| Total risk-based capital ratio | 13.8090% | 4,062 |
| Memoranda: | ||
| Average total assets | $24,657,867,500 | 72 |
| Average earning assets | $23,266,464,750 | 69 |
| Average equity | $2,418,296,000 | 85 |
| Average total loans | $13,966,894,500 | 80 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 4,708 |
| Cost of funding earning assets | 0.2441% | 4,778 |
| Net interest margin | 3.3897% | 3,984 |
| Noninterest income to average assets | 1.9972% | 275 |
| Noninterest expense to average assets | 2.9379% | 2,240 |
| Loan and lease loss provision to assets | 0.1665% | 1,103 |
| Net operating income to assets | 1.6686% | 773 |
| Return on assets (ROA) | 1.6712% | 775 |
| Pretax return on assets | 2.0949% | 496 |
| Return on Equity (ROE) | 17.0501% | 517 |
| Retained earnings to average equity (ytd only) | 8.7399% | 1,306 |
| Net charge-offs to loans | 0.2927% | 544 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 13.5639% | 2,140 |
| Efficiency ratio | 56.4876% | 4,420 |
| Assets per employee ($millions) | 5.2257% | 2,170 |
| Cash dividends to net income (ytd only)* | 48.7398% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 3,025 |
| Loan loss allowance to noncurrent loans | 695.8866% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 4,127 |
| Noncurrent loans to loans | 0.1640% | 4,169 |
| Net loans and leases to total assets | 56.5124% | 4,117 |
| Net loans and leases to deposits | 67.1863% | 4,087 |
| Net loans and leases to core deposits | 70.2661% | 4,127 |
| Total domestic deposits to total assets | 84.1131% | 3,021 |
| Equity capital to assets | 9.9219% | 3,701 |
| Core capital (leverage) ratio | 9.7349% | 3,849 |
| Tier 1 risk-based capital ratio | 12.6229% | 4,110 |
| Total risk-based capital ratio | 13.4761% | 4,237 |
| Memoranda: | ||
| Average total assets | $24,554,331,670 | 72 |
| Average earning assets | $23,172,073,000 | 69 |
| Average equity | $2,406,684,330 | 85 |
| Average total loans | $13,965,045,000 | 80 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5372% | 4,811 |
| Cost of funding earning assets | 0.2300% | 4,835 |
| Net interest margin | 3.3072% | 4,172 |
| Noninterest income to average assets | 1.9502% | 279 |
| Noninterest expense to average assets | 2.9408% | 2,224 |
| Loan and lease loss provision to assets | 0.1690% | 1,053 |
| Net operating income to assets | 1.5822% | 892 |
| Return on assets (ROA) | 1.5846% | 890 |
| Pretax return on assets | 1.9627% | 625 |
| Return on Equity (ROE) | 16.2664% | 581 |
| Retained earnings to average equity (ytd only) | 7.9236% | 1,870 |
| Net charge-offs to loans | 0.2979% | 511 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 12.5967% | 1,795 |
| Efficiency ratio | 57.9538% | 4,347 |
| Assets per employee ($millions) | 5.2228% | 2,232 |
| Cash dividends to net income (ytd only)* | 51.2884% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 3,111 |
| Loan loss allowance to noncurrent loans | 632.9379% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 4,158 |
| Noncurrent loans to loans | 0.1812% | 4,158 |
| Net loans and leases to total assets | 56.1600% | 4,109 |
| Net loans and leases to deposits | 66.4248% | 4,057 |
| Net loans and leases to core deposits | 69.6742% | 4,098 |
| Total domestic deposits to total assets | 84.5467% | 3,101 |
| Equity capital to assets | 9.7401% | 3,848 |
| Core capital (leverage) ratio | 9.4738% | 4,095 |
| Tier 1 risk-based capital ratio | 12.3183% | 4,365 |
| Total risk-based capital ratio | 13.1726% | 4,491 |
| Memoranda: | ||
| Average total assets | $24,608,591,000 | 73 |
| Average earning assets | $23,209,258,000 | 70 |
| Average equity | $2,397,282,500 | 86 |
| Average total loans | $13,960,339,500 | 82 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2614% | 5,125 |
| Cost of funding earning assets | 0.1872% | 5,046 |
| Net interest margin | 3.0742% | 4,739 |
| Noninterest income to average assets | 1.9683% | 305 |
| Noninterest expense to average assets | 2.9183% | 2,389 |
| Loan and lease loss provision to assets | 0.1806% | 1,189 |
| Net operating income to assets | 1.2674% | 1,306 |
| Return on assets (ROA) | 1.2376% | 1,420 |
| Pretax return on assets | 1.7308% | 937 |
| Return on Equity (ROE) | 13.2536% | 894 |
| Retained earnings to average equity (ytd only) | 6.4140% | 1,327 |
| Net charge-offs to loans | 0.3042% | 849 |
| Credit loss provision to net charge-offs | 108.6445% | 2,399 |
| Earnings coverage of net charge-offs (x) | 11.7466% | 2,535 |
| Efficiency ratio | 59.8392% | 4,292 |
| Assets per employee ($millions) | 5.3361% | 2,115 |
| Cash dividends to net income (ytd only)* | 51.6054% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 3,123 |
| Loan loss allowance to noncurrent loans | 529.8306% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 4,089 |
| Noncurrent loans to loans | 0.2150% | 4,051 |
| Net loans and leases to total assets | 56.0033% | 4,187 |
| Net loans and leases to deposits | 67.2418% | 4,086 |
| Net loans and leases to core deposits | 70.4753% | 4,142 |
| Total domestic deposits to total assets | 83.2864% | 3,472 |
| Equity capital to assets | 9.7432% | 3,978 |
| Core capital (leverage) ratio | 9.1991% | 4,398 |
| Tier 1 risk-based capital ratio | 11.9190% | 4,587 |
| Total risk-based capital ratio | 12.7633% | 4,741 |
| Memoranda: | ||
| Average total assets | $25,051,318,000 | 67 |
| Average earning assets | $23,653,963,000 | 64 |
| Average equity | $2,339,333,000 | 82 |
| Average total loans | $13,688,941,600 | 79 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2061% | 5,219 |
| Cost of funding earning assets | 0.1828% | 5,119 |
| Net interest margin | 3.0233% | 4,866 |
| Noninterest income to average assets | 1.9428% | 322 |
| Noninterest expense to average assets | 2.8985% | 2,414 |
| Loan and lease loss provision to assets | 0.1729% | 1,165 |
| Net operating income to assets | 1.1969% | 1,707 |
| Return on assets (ROA) | 1.1945% | 1,749 |
| Pretax return on assets | 1.7226% | 1,068 |
| Return on Equity (ROE) | 12.9296% | 1,074 |
| Retained earnings to average equity (ytd only) | 6.0387% | 2,205 |
| Net charge-offs to loans | 0.3007% | 702 |
| Credit loss provision to net charge-offs | 106.1909% | 2,191 |
| Earnings coverage of net charge-offs (x) | 11.6625% | 2,485 |
| Efficiency ratio | 60.3416% | 4,154 |
| Assets per employee ($millions) | 5.2960% | 2,122 |
| Cash dividends to net income (ytd only)* | 53.2954% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1466% | 3,218 |
| Loan loss allowance to noncurrent loans | 524.2891% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 4,201 |
| Noncurrent loans to loans | 0.2187% | 4,186 |
| Net loans and leases to total assets | 54.7848% | 4,343 |
| Net loans and leases to deposits | 66.0976% | 4,243 |
| Net loans and leases to core deposits | 69.3385% | 4,282 |
| Total domestic deposits to total assets | 82.8846% | 3,492 |
| Equity capital to assets | 9.6348% | 4,313 |
| Core capital (leverage) ratio | 9.0567% | 4,677 |
| Tier 1 risk-based capital ratio | 11.8920% | 4,705 |
| Total risk-based capital ratio | 12.7418% | 4,860 |
| Memoranda: | ||
| Average total assets | $25,132,230,750 | 66 |
| Average earning assets | $23,728,183,500 | 64 |
| Average equity | $2,321,850,000 | 80 |
| Average total loans | $13,609,215,250 | 79 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1659% | 5,283 |
| Cost of funding earning assets | 0.1740% | 5,179 |
| Net interest margin | 2.9918% | 4,931 |
| Noninterest income to average assets | 1.9223% | 331 |
| Noninterest expense to average assets | 2.9030% | 2,418 |
| Loan and lease loss provision to assets | 0.1735% | 1,109 |
| Net operating income to assets | 1.1736% | 1,692 |
| Return on assets (ROA) | 1.1700% | 1,740 |
| Pretax return on assets | 1.6641% | 1,147 |
| Return on Equity (ROE) | 12.8456% | 1,078 |
| Retained earnings to average equity (ytd only) | 5.8833% | 2,180 |
| Net charge-offs to loans | 0.2948% | 691 |
| Credit loss provision to net charge-offs | 109.5067% | 1,899 |
| Earnings coverage of net charge-offs (x) | 11.6302% | 2,258 |
| Efficiency ratio | 61.0924% | 4,150 |
| Assets per employee ($millions) | 5.3071% | 2,047 |
| Cash dividends to net income (ytd only)* | 54.1998% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1562% | 3,278 |
| Loan loss allowance to noncurrent loans | 563.8468% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 4,311 |
| Noncurrent loans to loans | 0.2051% | 4,300 |
| Net loans and leases to total assets | 54.0386% | 4,388 |
| Net loans and leases to deposits | 64.3907% | 4,347 |
| Net loans and leases to core deposits | 68.2880% | 4,332 |
| Total domestic deposits to total assets | 83.9229% | 3,228 |
| Equity capital to assets | 9.4158% | 4,499 |
| Core capital (leverage) ratio | 8.8263% | 4,921 |
| Tier 1 risk-based capital ratio | 11.7109% | 4,834 |
| Total risk-based capital ratio | 12.5630% | 4,966 |
| Memoranda: | ||
| Average total assets | $25,230,290,330 | 66 |
| Average earning assets | $23,808,505,670 | 63 |
| Average equity | $2,298,102,000 | 79 |
| Average total loans | $13,557,188,000 | 79 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0964% | 5,369 |
| Cost of funding earning assets | 0.1639% | 5,282 |
| Net interest margin | 2.9326% | 5,020 |
| Noninterest income to average assets | 1.8622% | 342 |
| Noninterest expense to average assets | 2.9015% | 2,452 |
| Loan and lease loss provision to assets | 0.1755% | 1,003 |
| Net operating income to assets | 1.1129% | 1,816 |
| Return on assets (ROA) | 1.1112% | 1,866 |
| Pretax return on assets | 1.5470% | 1,384 |
| Return on Equity (ROE) | 12.4061% | 1,134 |
| Retained earnings to average equity (ytd only) | 5.3626% | 2,696 |
| Net charge-offs to loans | 0.2732% | 670 |
| Credit loss provision to net charge-offs | 120.5895% | 1,398 |
| Earnings coverage of net charge-offs (x) | 11.8493% | 1,866 |
| Efficiency ratio | 62.6354% | 4,052 |
| Assets per employee ($millions) | 5.3944% | 1,988 |
| Cash dividends to net income (ytd only)* | 56.7746% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 3,354 |
| Loan loss allowance to noncurrent loans | 531.2241% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 4,432 |
| Noncurrent loans to loans | 0.2186% | 4,324 |
| Net loans and leases to total assets | 53.3224% | 4,390 |
| Net loans and leases to deposits | 63.3353% | 4,345 |
| Net loans and leases to core deposits | 68.1654% | 4,283 |
| Total domestic deposits to total assets | 84.1906% | 3,401 |
| Equity capital to assets | 9.1180% | 4,693 |
| Core capital (leverage) ratio | 8.5771% | 5,170 |
| Tier 1 risk-based capital ratio | 11.4901% | 5,037 |
| Total risk-based capital ratio | 12.3415% | 5,162 |
| Memoranda: | ||
| Average total assets | $25,360,409,000 | 65 |
| Average earning assets | $23,902,450,500 | 63 |
| Average equity | $2,271,593,500 | 78 |
| Average total loans | $13,510,136,000 | 77 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0427% | 5,466 |
| Cost of funding earning assets | 0.1422% | 5,473 |
| Net interest margin | 2.9005% | 5,139 |
| Noninterest income to average assets | 1.9485% | 353 |
| Noninterest expense to average assets | 2.8923% | 2,697 |
| Loan and lease loss provision to assets | 0.1469% | 1,696 |
| Net operating income to assets | 1.1237% | 1,806 |
| Return on assets (ROA) | 1.1232% | 1,891 |
| Pretax return on assets | 1.6416% | 1,163 |
| Return on Equity (ROE) | 12.3129% | 1,170 |
| Retained earnings to average equity (ytd only) | 5.2170% | 2,193 |
| Net charge-offs to loans | 0.2455% | 1,126 |
| Credit loss provision to net charge-offs | 113.7853% | 2,312 |
| Earnings coverage of net charge-offs (x) | 13.8555% | 2,338 |
| Efficiency ratio | 61.6783% | 4,316 |
| Assets per employee ($millions) | 5.3386% | 2,014 |
| Cash dividends to net income (ytd only)* | 57.6296% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 3,361 |
| Loan loss allowance to noncurrent loans | 508.2695% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 4,483 |
| Noncurrent loans to loans | 0.2284% | 4,330 |
| Net loans and leases to total assets | 51.9943% | 4,607 |
| Net loans and leases to deposits | 62.8759% | 4,478 |
| Net loans and leases to core deposits | 67.0355% | 4,464 |
| Total domestic deposits to total assets | 82.6936% | 3,861 |
| Equity capital to assets | 8.7986% | 5,010 |
| Core capital (leverage) ratio | 8.5926% | 5,175 |
| Tier 1 risk-based capital ratio | 11.1700% | 5,244 |
| Total risk-based capital ratio | 12.0007% | 5,366 |
| Memoranda: | ||
| Average total assets | $24,717,118,200 | 64 |
| Average earning assets | $23,289,757,600 | 63 |
| Average equity | $2,254,822,200 | 75 |
| Average total loans | $13,000,313,400 | 77 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0394% | 5,541 |
| Cost of funding earning assets | 0.1428% | 5,523 |
| Net interest margin | 2.8966% | 5,195 |
| Noninterest income to average assets | 1.9596% | 359 |
| Noninterest expense to average assets | 2.9065% | 2,625 |
| Loan and lease loss provision to assets | 0.1410% | 1,664 |
| Net operating income to assets | 1.1254% | 1,892 |
| Return on assets (ROA) | 1.1244% | 2,010 |
| Pretax return on assets | 1.6447% | 1,266 |
| Return on Equity (ROE) | 12.2124% | 1,262 |
| Retained earnings to average equity (ytd only) | 5.1235% | 2,738 |
| Net charge-offs to loans | 0.2370% | 990 |
| Credit loss provision to net charge-offs | 113.0901% | 2,186 |
| Earnings coverage of net charge-offs (x) | 14.3376% | 2,247 |
| Efficiency ratio | 61.8143% | 4,262 |
| Assets per employee ($millions) | 5.2593% | 2,088 |
| Cash dividends to net income (ytd only)* | 58.0470% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1670% | 3,441 |
| Loan loss allowance to noncurrent loans | 474.5632% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,499 |
| Noncurrent loans to loans | 0.2459% | 4,389 |
| Net loans and leases to total assets | 53.1698% | 4,567 |
| Net loans and leases to deposits | 64.8532% | 4,425 |
| Net loans and leases to core deposits | 68.4481% | 4,428 |
| Total domestic deposits to total assets | 81.9848% | 3,939 |
| Equity capital to assets | 9.4501% | 4,713 |
| Core capital (leverage) ratio | 8.6791% | 5,172 |
| Tier 1 risk-based capital ratio | 11.3028% | 5,199 |
| Total risk-based capital ratio | 12.1492% | 5,338 |
| Memoranda: | ||
| Average total assets | $24,514,105,000 | 65 |
| Average earning assets | $23,138,163,250 | 63 |
| Average equity | $2,256,974,000 | 76 |
| Average total loans | $12,892,978,750 | 78 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0321% | 5,619 |
| Cost of funding earning assets | 0.1441% | 5,585 |
| Net interest margin | 2.8880% | 5,288 |
| Noninterest income to average assets | 1.9535% | 344 |
| Noninterest expense to average assets | 2.8892% | 2,717 |
| Loan and lease loss provision to assets | 0.1524% | 1,500 |
| Net operating income to assets | 1.1202% | 1,888 |
| Return on assets (ROA) | 1.1186% | 2,009 |
| Pretax return on assets | 1.6332% | 1,272 |
| Return on Equity (ROE) | 12.2582% | 1,223 |
| Retained earnings to average equity (ytd only) | 5.0960% | 2,662 |
| Net charge-offs to loans | 0.2560% | 931 |
| Credit loss provision to net charge-offs | 114.0630% | 1,925 |
| Earnings coverage of net charge-offs (x) | 13.3809% | 2,132 |
| Efficiency ratio | 61.6586% | 4,394 |
| Assets per employee ($millions) | 5.1583% | 2,132 |
| Cash dividends to net income (ytd only)* | 58.4274% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 3,515 |
| Loan loss allowance to noncurrent loans | 380.6215% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2895% | 4,336 |
| Noncurrent loans to loans | 0.3079% | 4,264 |
| Net loans and leases to total assets | 52.7656% | 4,612 |
| Net loans and leases to deposits | 64.3529% | 4,471 |
| Net loans and leases to core deposits | 68.7270% | 4,418 |
| Total domestic deposits to total assets | 81.9943% | 4,000 |
| Equity capital to assets | 9.3915% | 4,877 |
| Core capital (leverage) ratio | 8.5254% | 5,345 |
| Tier 1 risk-based capital ratio | 11.2234% | 5,303 |
| Total risk-based capital ratio | 12.0732% | 5,433 |
| Memoranda: | ||
| Average total assets | $24,481,036,670 | 66 |
| Average earning assets | $23,087,157,330 | 62 |
| Average equity | $2,233,971,330 | 76 |
| Average total loans | $12,776,842,000 | 79 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9713% | 5,713 |
| Cost of funding earning assets | 0.1454% | 5,640 |
| Net interest margin | 2.8259% | 5,430 |
| Noninterest income to average assets | 1.9832% | 340 |
| Noninterest expense to average assets | 2.8879% | 2,741 |
| Loan and lease loss provision to assets | 0.1546% | 1,363 |
| Net operating income to assets | 1.0970% | 1,916 |
| Return on assets (ROA) | 1.0954% | 2,017 |
| Pretax return on assets | 1.6033% | 1,282 |
| Return on Equity (ROE) | 12.1829% | 1,262 |
| Retained earnings to average equity (ytd only) | 4.8986% | 3,003 |
| Net charge-offs to loans | 0.2806% | 753 |
| Credit loss provision to net charge-offs | 106.7881% | 1,547 |
| Earnings coverage of net charge-offs (x) | 12.1605% | 1,816 |
| Efficiency ratio | 62.0159% | 4,440 |
| Assets per employee ($millions) | 5.1850% | 2,152 |
| Cash dividends to net income (ytd only)* | 59.7907% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 3,524 |
| Loan loss allowance to noncurrent loans | 340.1194% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 4,289 |
| Noncurrent loans to loans | 0.3506% | 4,177 |
| Net loans and leases to total assets | 51.7213% | 4,649 |
| Net loans and leases to deposits | 60.9314% | 4,651 |
| Net loans and leases to core deposits | 65.3834% | 4,586 |
| Total domestic deposits to total assets | 84.8845% | 3,171 |
| Equity capital to assets | 9.2148% | 4,975 |
| Core capital (leverage) ratio | 8.3370% | 5,535 |
| Tier 1 risk-based capital ratio | 11.3188% | 5,334 |
| Total risk-based capital ratio | 12.1804% | 5,448 |
| Memoranda: | ||
| Average total assets | $24,429,249,000 | 65 |
| Average earning assets | $23,036,183,500 | 62 |
| Average equity | $2,196,528,000 | 77 |
| Average total loans | $12,602,232,500 | 78 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9128% | 5,798 |
| Cost of funding earning assets | 0.1245% | 5,857 |
| Net interest margin | 2.7883% | 5,536 |
| Noninterest income to average assets | 1.9116% | 382 |
| Noninterest expense to average assets | 2.8397% | 3,073 |
| Loan and lease loss provision to assets | 0.1200% | 1,996 |
| Net operating income to assets | 1.0879% | 1,976 |
| Return on assets (ROA) | 1.0948% | 2,021 |
| Pretax return on assets | 1.5923% | 1,266 |
| Return on Equity (ROE) | 12.3663% | 1,216 |
| Retained earnings to average equity (ytd only) | 4.8179% | 2,553 |
| Net charge-offs to loans | 0.2820% | 1,077 |
| Credit loss provision to net charge-offs | 85.1751% | 2,856 |
| Earnings coverage of net charge-offs (x) | 12.0837% | 2,502 |
| Efficiency ratio | 62.3813% | 4,550 |
| Assets per employee ($millions) | 5.1621% | 2,167 |
| Cash dividends to net income (ytd only)* | 61.0400% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 3,374 |
| Loan loss allowance to noncurrent loans | 352.0807% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 4,306 |
| Noncurrent loans to loans | 0.3458% | 4,229 |
| Net loans and leases to total assets | 50.2123% | 4,851 |
| Net loans and leases to deposits | 61.5259% | 4,667 |
| Net loans and leases to core deposits | 64.6972% | 4,693 |
| Total domestic deposits to total assets | 81.6117% | 4,303 |
| Equity capital to assets | 8.7689% | 5,338 |
| Core capital (leverage) ratio | 8.3650% | 5,558 |
| Tier 1 risk-based capital ratio | 11.2052% | 5,421 |
| Total risk-based capital ratio | 12.0675% | 5,522 |
| Memoranda: | ||
| Average total assets | $23,943,003,400 | 65 |
| Average earning assets | $22,585,770,600 | 62 |
| Average equity | $2,119,648,400 | 75 |
| Average total loans | $11,961,515,800 | 77 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8989% | 5,895 |
| Cost of funding earning assets | 0.1237% | 5,957 |
| Net interest margin | 2.7753% | 5,621 |
| Noninterest income to average assets | 1.9098% | 384 |
| Noninterest expense to average assets | 2.8426% | 3,028 |
| Loan and lease loss provision to assets | 0.1094% | 2,056 |
| Net operating income to assets | 1.0878% | 2,065 |
| Return on assets (ROA) | 1.0967% | 2,107 |
| Pretax return on assets | 1.5931% | 1,402 |
| Return on Equity (ROE) | 12.3579% | 1,284 |
| Retained earnings to average equity (ytd only) | 4.7853% | 3,063 |
| Net charge-offs to loans | 0.2763% | 965 |
| Credit loss provision to net charge-offs | 79.6259% | 2,618 |
| Earnings coverage of net charge-offs (x) | 12.2943% | 2,417 |
| Efficiency ratio | 62.5702% | 4,480 |
| Assets per employee ($millions) | 5.0735% | 2,208 |
| Cash dividends to net income (ytd only)* | 61.2776% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2391% | 3,438 |
| Loan loss allowance to noncurrent loans | 374.3010% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 4,456 |
| Noncurrent loans to loans | 0.3310% | 4,424 |
| Net loans and leases to total assets | 50.6507% | 4,881 |
| Net loans and leases to deposits | 63.6023% | 4,591 |
| Net loans and leases to core deposits | 66.9278% | 4,628 |
| Total domestic deposits to total assets | 79.6366% | 4,819 |
| Equity capital to assets | 9.0341% | 5,277 |
| Core capital (leverage) ratio | 8.4329% | 5,601 |
| Tier 1 risk-based capital ratio | 11.2378% | 5,532 |
| Total risk-based capital ratio | 12.1152% | 5,650 |
| Memoranda: | ||
| Average total assets | $23,807,832,500 | 64 |
| Average earning assets | $22,497,081,500 | 62 |
| Average equity | $2,112,821,500 | 75 |
| Average total loans | $11,840,555,500 | 79 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8580% | 5,976 |
| Cost of funding earning assets | 0.1226% | 6,032 |
| Net interest margin | 2.7353% | 5,728 |
| Noninterest income to average assets | 1.9146% | 393 |
| Noninterest expense to average assets | 2.8273% | 3,144 |
| Loan and lease loss provision to assets | 0.0939% | 2,246 |
| Net operating income to assets | 1.0831% | 2,001 |
| Return on assets (ROA) | 1.0963% | 2,062 |
| Pretax return on assets | 1.5962% | 1,337 |
| Return on Equity (ROE) | 12.4285% | 1,247 |
| Retained earnings to average equity (ytd only) | 4.8059% | 2,986 |
| Net charge-offs to loans | 0.2763% | 954 |
| Credit loss provision to net charge-offs | 69.0919% | 2,470 |
| Earnings coverage of net charge-offs (x) | 12.2883% | 2,224 |
| Efficiency ratio | 62.6990% | 4,562 |
| Assets per employee ($millions) | 4.9808% | 2,299 |
| Cash dividends to net income (ytd only)* | 61.3318% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 3,401 |
| Loan loss allowance to noncurrent loans | 370.8294% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 4,500 |
| Noncurrent loans to loans | 0.3423% | 4,463 |
| Net loans and leases to total assets | 49.9702% | 4,936 |
| Net loans and leases to deposits | 61.0877% | 4,766 |
| Net loans and leases to core deposits | 64.2355% | 4,793 |
| Total domestic deposits to total assets | 81.8008% | 4,361 |
| Equity capital to assets | 8.9439% | 5,288 |
| Core capital (leverage) ratio | 8.2536% | 5,746 |
| Tier 1 risk-based capital ratio | 11.5079% | 5,461 |
| Total risk-based capital ratio | 12.4194% | 5,554 |
| Memoranda: | ||
| Average total assets | $23,795,272,000 | 63 |
| Average earning assets | $22,474,920,330 | 61 |
| Average equity | $2,099,016,000 | 77 |
| Average total loans | $11,710,921,670 | 82 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6922% | 6,137 |
| Cost of funding earning assets | 0.1215% | 6,104 |
| Net interest margin | 2.5706% | 5,948 |
| Noninterest income to average assets | 1.8178% | 413 |
| Noninterest expense to average assets | 2.7944% | 3,270 |
| Loan and lease loss provision to assets | 0.0740% | 2,463 |
| Net operating income to assets | 0.9349% | 2,580 |
| Return on assets (ROA) | 0.9630% | 2,564 |
| Pretax return on assets | 1.4171% | 1,828 |
| Return on Equity (ROE) | 10.9926% | 1,639 |
| Retained earnings to average equity (ytd only) | 3.3511% | 3,973 |
| Net charge-offs to loans | 0.2559% | 936 |
| Credit loss provision to net charge-offs | 59.5687% | 2,009 |
| Earnings coverage of net charge-offs (x) | 11.6730% | 1,845 |
| Efficiency ratio | 65.6778% | 4,212 |
| Assets per employee ($millions) | 5.0916% | 2,239 |
| Cash dividends to net income (ytd only)* | 69.5144% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 3,345 |
| Loan loss allowance to noncurrent loans | 319.8517% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3821% | 4,490 |
| Noncurrent loans to loans | 0.4094% | 4,360 |
| Net loans and leases to total assets | 48.3784% | 4,993 |
| Net loans and leases to deposits | 59.1015% | 4,821 |
| Net loans and leases to core deposits | 62.3370% | 4,817 |
| Total domestic deposits to total assets | 81.8565% | 4,547 |
| Equity capital to assets | 8.8571% | 5,438 |
| Core capital (leverage) ratio | 8.1299% | 5,863 |
| Tier 1 risk-based capital ratio | 11.3546% | 5,629 |
| Total risk-based capital ratio | 12.2826% | 5,719 |
| Memoranda: | ||
| Average total assets | $23,900,843,500 | 63 |
| Average earning assets | $22,557,385,000 | 61 |
| Average equity | $2,093,849,500 | 78 |
| Average total loans | $11,598,098,000 | 82 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9732% | 6,079 |
| Cost of funding earning assets | 0.1300% | 6,198 |
| Net interest margin | 2.8432% | 5,741 |
| Noninterest income to average assets | 1.9171% | 364 |
| Noninterest expense to average assets | 2.8343% | 3,362 |
| Loan and lease loss provision to assets | 0.1284% | 2,040 |
| Net operating income to assets | 1.1065% | 1,951 |
| Return on assets (ROA) | 1.0871% | 2,079 |
| Pretax return on assets | 1.6007% | 1,232 |
| Return on Equity (ROE) | 12.3681% | 1,305 |
| Retained earnings to average equity (ytd only) | 2.4704% | 4,470 |
| Net charge-offs to loans | 0.3054% | 1,447 |
| Credit loss provision to net charge-offs | 85.5198% | 2,750 |
| Earnings coverage of net charge-offs (x) | 11.7033% | 2,458 |
| Efficiency ratio | 61.5407% | 4,986 |
| Assets per employee ($millions) | 5.0086% | 2,310 |
| Cash dividends to net income (ytd only)* | 80.0259% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 3,110 |
| Loan loss allowance to noncurrent loans | 287.5629% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.4226% | 4,410 |
| Noncurrent loans to loans | 0.4746% | 4,233 |
| Net loans and leases to total assets | 47.3753% | 5,211 |
| Net loans and leases to deposits | 58.0821% | 5,058 |
| Net loans and leases to core deposits | 60.9379% | 5,071 |
| Total domestic deposits to total assets | 81.5661% | 4,576 |
| Equity capital to assets | 8.6639% | 5,604 |
| Core capital (leverage) ratio | 8.2355% | 5,835 |
| Tier 1 risk-based capital ratio | 12.1330% | 5,277 |
| Total risk-based capital ratio | 13.1562% | 5,334 |
| Memoranda: | ||
| Average total assets | $22,990,497,200 | 61 |
| Average earning assets | $21,630,349,200 | 58 |
| Average equity | $2,020,676,200 | 77 |
| Average total loans | $11,305,627,600 | 79 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0199% | 6,119 |
| Cost of funding earning assets | 0.1315% | 6,282 |
| Net interest margin | 2.8884% | 5,723 |
| Noninterest income to average assets | 1.9228% | 371 |
| Noninterest expense to average assets | 2.8334% | 3,340 |
| Loan and lease loss provision to assets | 0.1456% | 1,718 |
| Net operating income to assets | 1.1295% | 1,934 |
| Return on assets (ROA) | 1.1033% | 2,081 |
| Pretax return on assets | 1.6224% | 1,257 |
| Return on Equity (ROE) | 12.5062% | 1,339 |
| Retained earnings to average equity (ytd only) | 2.5492% | 4,769 |
| Net charge-offs to loans | 0.2943% | 1,340 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 12.4054% | 2,320 |
| Efficiency ratio | 60.8769% | 5,059 |
| Assets per employee ($millions) | 4.7494% | 2,596 |
| Cash dividends to net income (ytd only)* | 79.6166% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4112% | 3,123 |
| Loan loss allowance to noncurrent loans | 277.5464% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 4,460 |
| Noncurrent loans to loans | 0.5085% | 4,405 |
| Net loans and leases to total assets | 49.9805% | 5,011 |
| Net loans and leases to deposits | 60.6920% | 4,875 |
| Net loans and leases to core deposits | 63.8514% | 4,891 |
| Total domestic deposits to total assets | 82.3511% | 4,360 |
| Equity capital to assets | 9.0573% | 5,295 |
| Core capital (leverage) ratio | 8.3466% | 5,807 |
| Tier 1 risk-based capital ratio | 12.3507% | 5,267 |
| Total risk-based capital ratio | 13.4332% | 5,298 |
| Memoranda: | ||
| Average total assets | $22,767,829,250 | 63 |
| Average earning assets | $21,417,837,000 | 60 |
| Average equity | $2,008,584,000 | 77 |
| Average total loans | $11,264,457,500 | 79 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0182% | 6,156 |
| Cost of funding earning assets | 0.1307% | 6,357 |
| Net interest margin | 2.8876% | 5,754 |
| Noninterest income to average assets | 1.8716% | 384 |
| Noninterest expense to average assets | 2.8037% | 3,490 |
| Loan and lease loss provision to assets | 0.1508% | 1,632 |
| Net operating income to assets | 1.1074% | 1,913 |
| Return on assets (ROA) | 1.0703% | 2,117 |
| Pretax return on assets | 1.5766% | 1,315 |
| Return on Equity (ROE) | 12.2403% | 1,361 |
| Retained earnings to average equity (ytd only) | 2.2225% | 4,779 |
| Net charge-offs to loans | 0.3073% | 1,315 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 11.8150% | 2,114 |
| Efficiency ratio | 60.9463% | 5,150 |
| Assets per employee ($millions) | 4.8993% | 2,342 |
| Cash dividends to net income (ytd only)* | 81.8431% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 3,301 |
| Loan loss allowance to noncurrent loans | 294.2992% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 4,570 |
| Noncurrent loans to loans | 0.4790% | 4,564 |
| Net loans and leases to total assets | 49.3686% | 5,031 |
| Net loans and leases to deposits | 59.6408% | 4,892 |
| Net loans and leases to core deposits | 63.5037% | 4,859 |
| Total domestic deposits to total assets | 82.7767% | 4,391 |
| Equity capital to assets | 8.9464% | 5,359 |
| Core capital (leverage) ratio | 8.2548% | 5,885 |
| Tier 1 risk-based capital ratio | 12.1532% | 5,452 |
| Total risk-based capital ratio | 13.2293% | 5,485 |
| Memoranda: | ||
| Average total assets | $22,830,891,000 | 62 |
| Average earning assets | $21,457,706,330 | 60 |
| Average equity | $1,996,436,670 | 76 |
| Average total loans | $11,203,791,000 | 77 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9747% | 6,266 |
| Cost of funding earning assets | 0.1296% | 6,444 |
| Net interest margin | 2.8451% | 5,856 |
| Noninterest income to average assets | 1.8145% | 395 |
| Noninterest expense to average assets | 2.8174% | 3,503 |
| Loan and lease loss provision to assets | 0.1694% | 1,423 |
| Net operating income to assets | 1.0364% | 2,061 |
| Return on assets (ROA) | 0.9688% | 2,393 |
| Pretax return on assets | 1.4026% | 1,736 |
| Return on Equity (ROE) | 11.2090% | 1,624 |
| Retained earnings to average equity (ytd only) | 1.0618% | 5,173 |
| Net charge-offs to loans | 0.3489% | 1,026 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 9.8545% | 1,907 |
| Efficiency ratio | 62.5846% | 5,052 |
| Assets per employee ($millions) | 4.8091% | 2,502 |
| Cash dividends to net income (ytd only)* | 90.5272% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4430% | 3,399 |
| Loan loss allowance to noncurrent loans | 268.9510% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 4,657 |
| Noncurrent loans to loans | 0.5365% | 4,563 |
| Net loans and leases to total assets | 48.6780% | 5,041 |
| Net loans and leases to deposits | 57.4208% | 4,995 |
| Net loans and leases to core deposits | 60.7098% | 4,979 |
| Total domestic deposits to total assets | 84.7742% | 3,963 |
| Equity capital to assets | 8.7805% | 5,360 |
| Core capital (leverage) ratio | 8.2042% | 5,945 |
| Tier 1 risk-based capital ratio | 12.2750% | 5,459 |
| Total risk-based capital ratio | 13.3735% | 5,489 |
| Memoranda: | ||
| Average total assets | $22,804,129,500 | 61 |
| Average earning assets | $21,422,295,500 | 59 |
| Average equity | $1,970,985,500 | 74 |
| Average total loans | $11,076,058,500 | 77 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0950% | 6,246 |
| Cost of funding earning assets | 0.1489% | 6,543 |
| Net interest margin | 2.9462% | 5,692 |
| Noninterest income to average assets | 1.9268% | 415 |
| Noninterest expense to average assets | 2.8328% | 3,604 |
| Loan and lease loss provision to assets | 0.0916% | 3,276 |
| Net operating income to assets | 1.1803% | 1,645 |
| Return on assets (ROA) | 1.1767% | 1,714 |
| Pretax return on assets | 1.7520% | 848 |
| Return on Equity (ROE) | 13.3837% | 1,095 |
| Retained earnings to average equity (ytd only) | 3.1475% | 3,996 |
| Net charge-offs to loans | 0.3015% | 2,182 |
| Credit loss provision to net charge-offs | 64.9168% | 3,431 |
| Earnings coverage of net charge-offs (x) | 13.1050% | 2,062 |
| Efficiency ratio | 60.3252% | 5,425 |
| Assets per employee ($millions) | 4.9055% | 2,305 |
| Cash dividends to net income (ytd only)* | 76.4824% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 3,315 |
| Loan loss allowance to noncurrent loans | 257.2985% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 4,804 |
| Noncurrent loans to loans | 0.5729% | 4,550 |
| Net loans and leases to total assets | 47.0560% | 5,385 |
| Net loans and leases to deposits | 56.6519% | 5,242 |
| Net loans and leases to core deposits | 59.3005% | 5,275 |
| Total domestic deposits to total assets | 83.0617% | 4,528 |
| Equity capital to assets | 8.5073% | 5,571 |
| Core capital (leverage) ratio | 8.3083% | 5,864 |
| Tier 1 risk-based capital ratio | 12.4296% | 5,332 |
| Total risk-based capital ratio | 13.5468% | 5,357 |
| Memoranda: | ||
| Average total assets | $22,223,066,600 | 60 |
| Average earning assets | $20,780,635,800 | 58 |
| Average equity | $1,953,851,000 | 71 |
| Average total loans | $10,398,959,000 | 75 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1276% | 6,290 |
| Cost of funding earning assets | 0.1532% | 6,628 |
| Net interest margin | 2.9744% | 5,655 |
| Noninterest income to average assets | 1.9186% | 442 |
| Noninterest expense to average assets | 2.8564% | 3,457 |
| Loan and lease loss provision to assets | 0.0896% | 3,265 |
| Net operating income to assets | 1.1734% | 1,727 |
| Return on assets (ROA) | 1.1682% | 1,821 |
| Pretax return on assets | 1.7422% | 1,011 |
| Return on Equity (ROE) | 13.1761% | 1,203 |
| Retained earnings to average equity (ytd only) | 2.9428% | 4,563 |
| Net charge-offs to loans | 0.3094% | 1,990 |
| Credit loss provision to net charge-offs | 62.2008% | 3,251 |
| Earnings coverage of net charge-offs (x) | 12.7729% | 2,095 |
| Efficiency ratio | 60.6587% | 5,336 |
| Assets per employee ($millions) | 4.7694% | 2,479 |
| Cash dividends to net income (ytd only)* | 77.6655% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5106% | 3,412 |
| Loan loss allowance to noncurrent loans | 331.3047% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 5,242 |
| Noncurrent loans to loans | 0.4560% | 5,051 |
| Net loans and leases to total assets | 47.7874% | 5,370 |
| Net loans and leases to deposits | 58.5107% | 5,134 |
| Net loans and leases to core deposits | 61.8574% | 5,131 |
| Total domestic deposits to total assets | 81.6729% | 5,039 |
| Equity capital to assets | 8.7774% | 5,440 |
| Core capital (leverage) ratio | 8.4090% | 5,851 |
| Tier 1 risk-based capital ratio | 12.2260% | 5,622 |
| Total risk-based capital ratio | 13.3701% | 5,638 |
| Memoranda: | ||
| Average total assets | $22,043,050,250 | 59 |
| Average earning assets | $20,582,875,250 | 57 |
| Average equity | $1,954,351,250 | 71 |
| Average total loans | $10,259,285,250 | 75 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1294% | 6,309 |
| Cost of funding earning assets | 0.1578% | 6,684 |
| Net interest margin | 2.9717% | 5,640 |
| Noninterest income to average assets | 2.1559% | 401 |
| Noninterest expense to average assets | 3.1428% | 2,539 |
| Loan and lease loss provision to assets | 0.0971% | 3,168 |
| Net operating income to assets | 1.1408% | 1,778 |
| Return on assets (ROA) | 1.1349% | 1,905 |
| Pretax return on assets | 1.6881% | 1,141 |
| Return on Equity (ROE) | 12.7577% | 1,301 |
| Retained earnings to average equity (ytd only) | 2.5171% | 4,692 |
| Net charge-offs to loans | 0.3409% | 1,817 |
| Credit loss provision to net charge-offs | 62.1300% | 2,979 |
| Earnings coverage of net charge-offs (x) | 11.4731% | 2,048 |
| Efficiency ratio | 63.4923% | 4,934 |
| Assets per employee ($millions) | 4.6605% | 2,573 |
| Cash dividends to net income (ytd only)* | 80.2697% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5996% | 3,164 |
| Loan loss allowance to noncurrent loans | 321.7612% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.4322% | 5,195 |
| Noncurrent loans to loans | 0.4971% | 5,023 |
| Net loans and leases to total assets | 46.9267% | 5,431 |
| Net loans and leases to deposits | 57.0563% | 5,244 |
| Net loans and leases to core deposits | 60.8778% | 5,184 |
| Total domestic deposits to total assets | 82.2462% | 4,961 |
| Equity capital to assets | 8.6908% | 5,563 |
| Core capital (leverage) ratio | 8.1126% | 6,096 |
| Tier 1 risk-based capital ratio | 12.1781% | 5,695 |
| Total risk-based capital ratio | 13.3600% | 5,674 |
| Memoranda: | ||
| Average total assets | $21,953,682,000 | 59 |
| Average earning assets | $20,544,632,670 | 56 |
| Average equity | $1,953,023,000 | 70 |
| Average total loans | $10,070,563,330 | 76 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0622% | 6,444 |
| Cost of funding earning assets | 0.1628% | 6,756 |
| Net interest margin | 2.8994% | 5,817 |
| Noninterest income to average assets | 2.1012% | 404 |
| Noninterest expense to average assets | 3.1175% | 2,620 |
| Loan and lease loss provision to assets | 0.0596% | 3,645 |
| Net operating income to assets | 1.1048% | 1,838 |
| Return on assets (ROA) | 1.0990% | 1,964 |
| Pretax return on assets | 1.6320% | 1,232 |
| Return on Equity (ROE) | 12.2142% | 1,362 |
| Retained earnings to average equity (ytd only) | 2.1325% | 4,935 |
| Net charge-offs to loans | 0.3141% | 1,709 |
| Credit loss provision to net charge-offs | 42.1911% | 2,719 |
| Earnings coverage of net charge-offs (x) | 12.0360% | 1,631 |
| Efficiency ratio | 64.5370% | 4,916 |
| Assets per employee ($millions) | 4.7239% | 2,606 |
| Cash dividends to net income (ytd only)* | 82.5409% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6815% | 3,086 |
| Loan loss allowance to noncurrent loans | 281.2093% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 5,191 |
| Noncurrent loans to loans | 0.5980% | 4,943 |
| Net loans and leases to total assets | 44.4970% | 5,610 |
| Net loans and leases to deposits | 53.0550% | 5,516 |
| Net loans and leases to core deposits | 56.4875% | 5,476 |
| Total domestic deposits to total assets | 83.8694% | 4,533 |
| Equity capital to assets | 8.9861% | 5,502 |
| Core capital (leverage) ratio | 8.0528% | 6,093 |
| Tier 1 risk-based capital ratio | 12.3592% | 5,671 |
| Total risk-based capital ratio | 13.5774% | 5,651 |
| Memoranda: | ||
| Average total assets | $22,048,265,000 | 59 |
| Average earning assets | $20,656,942,500 | 56 |
| Average equity | $1,983,782,000 | 70 |
| Average total loans | $9,916,146,500 | 77 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4402% | 6,432 |
| Cost of funding earning assets | 0.1955% | 6,846 |
| Net interest margin | 3.2448% | 5,443 |
| Noninterest income to average assets | 2.1965% | 383 |
| Noninterest expense to average assets | 3.2123% | 2,568 |
| Loan and lease loss provision to assets | 0.1309% | 3,982 |
| Net operating income to assets | 1.2629% | 1,414 |
| Return on assets (ROA) | 1.2594% | 1,581 |
| Pretax return on assets | 1.8815% | 779 |
| Return on Equity (ROE) | 13.3136% | 1,151 |
| Retained earnings to average equity (ytd only) | 1.3956% | 5,179 |
| Net charge-offs to loans | 0.4148% | 2,586 |
| Credit loss provision to net charge-offs | 69.4555% | 4,186 |
| Earnings coverage of net charge-offs (x) | 10.7043% | 2,115 |
| Efficiency ratio | 61.2266% | 5,353 |
| Assets per employee ($millions) | 4.7156% | 2,628 |
| Cash dividends to net income (ytd only)* | 89.5173% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 2,747 |
| Loan loss allowance to noncurrent loans | 258.4594% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 5,518 |
| Noncurrent loans to loans | 0.6784% | 4,840 |
| Net loans and leases to total assets | 43.9070% | 5,828 |
| Net loans and leases to deposits | 52.6766% | 5,761 |
| Net loans and leases to core deposits | 55.0758% | 5,786 |
| Total domestic deposits to total assets | 83.3521% | 4,583 |
| Equity capital to assets | 9.0088% | 5,514 |
| Core capital (leverage) ratio | 8.2619% | 5,928 |
| Tier 1 risk-based capital ratio | 12.3477% | 5,572 |
| Total risk-based capital ratio | 13.5978% | 5,521 |
| Memoranda: | ||
| Average total assets | $20,844,429,400 | 59 |
| Average earning assets | $19,486,304,600 | 55 |
| Average equity | $1,971,817,400 | 71 |
| Average total loans | $9,470,622,000 | 80 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4938% | 6,516 |
| Cost of funding earning assets | 0.2022% | 6,948 |
| Net interest margin | 3.2916% | 5,420 |
| Noninterest income to average assets | 2.1924% | 374 |
| Noninterest expense to average assets | 3.2348% | 2,470 |
| Loan and lease loss provision to assets | 0.1230% | 4,014 |
| Net operating income to assets | 1.2793% | 1,497 |
| Return on assets (ROA) | 1.2757% | 1,653 |
| Pretax return on assets | 1.9075% | 856 |
| Return on Equity (ROE) | 13.3154% | 1,264 |
| Retained earnings to average equity (ytd only) | 3.1578% | 4,655 |
| Net charge-offs to loans | 0.4046% | 2,478 |
| Credit loss provision to net charge-offs | 66.6210% | 3,995 |
| Earnings coverage of net charge-offs (x) | 11.0252% | 2,123 |
| Efficiency ratio | 61.1676% | 5,283 |
| Assets per employee ($millions) | 4.4563% | 2,988 |
| Cash dividends to net income (ytd only)* | 76.2850% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 2,752 |
| Loan loss allowance to noncurrent loans | 259.5682% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 5,573 |
| Noncurrent loans to loans | 0.6990% | 5,036 |
| Net loans and leases to total assets | 45.6714% | 5,799 |
| Net loans and leases to deposits | 56.2038% | 5,617 |
| Net loans and leases to core deposits | 58.1124% | 5,727 |
| Total domestic deposits to total assets | 81.2604% | 5,277 |
| Equity capital to assets | 9.7644% | 4,827 |
| Core capital (leverage) ratio | 8.6574% | 5,541 |
| Tier 1 risk-based capital ratio | 12.9680% | 5,278 |
| Total risk-based capital ratio | 14.2189% | 5,239 |
| Memoranda: | ||
| Average total assets | $20,551,256,250 | 61 |
| Average earning assets | $19,218,666,500 | 56 |
| Average equity | $1,968,902,000 | 72 |
| Average total loans | $9,378,378,500 | 80 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5686% | 6,520 |
| Cost of funding earning assets | 0.2064% | 7,018 |
| Net interest margin | 3.3622% | 5,224 |
| Noninterest income to average assets | 2.1712% | 355 |
| Noninterest expense to average assets | 3.2359% | 2,477 |
| Loan and lease loss provision to assets | 0.1306% | 3,893 |
| Net operating income to assets | 1.3019% | 1,441 |
| Return on assets (ROA) | 1.2999% | 1,596 |
| Pretax return on assets | 1.9442% | 772 |
| Return on Equity (ROE) | 13.6570% | 1,196 |
| Retained earnings to average equity (ytd only) | 3.4015% | 4,338 |
| Net charge-offs to loans | 0.4173% | 2,365 |
| Credit loss provision to net charge-offs | 69.0438% | 3,586 |
| Earnings coverage of net charge-offs (x) | 10.9830% | 2,005 |
| Efficiency ratio | 60.6851% | 5,469 |
| Assets per employee ($millions) | 4.4191% | 3,054 |
| Cash dividends to net income (ytd only)* | 75.0931% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9003% | 2,559 |
| Loan loss allowance to noncurrent loans | 242.9880% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 5,559 |
| Noncurrent loans to loans | 0.7821% | 4,941 |
| Net loans and leases to total assets | 44.7349% | 5,946 |
| Net loans and leases to deposits | 54.7205% | 5,797 |
| Net loans and leases to core deposits | 57.2349% | 5,840 |
| Total domestic deposits to total assets | 81.7515% | 5,219 |
| Equity capital to assets | 9.6263% | 4,873 |
| Core capital (leverage) ratio | 8.5571% | 5,576 |
| Tier 1 risk-based capital ratio | 13.0619% | 5,142 |
| Total risk-based capital ratio | 14.3134% | 5,120 |
| Memoranda: | ||
| Average total assets | $20,488,534,330 | 61 |
| Average earning assets | $19,148,629,670 | 56 |
| Average equity | $1,950,173,000 | 72 |
| Average total loans | $9,288,832,330 | 81 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5301% | 6,655 |
| Cost of funding earning assets | 0.2147% | 7,078 |
| Net interest margin | 3.3154% | 5,419 |
| Noninterest income to average assets | 2.1168% | 373 |
| Noninterest expense to average assets | 3.2024% | 2,585 |
| Loan and lease loss provision to assets | 0.1598% | 3,383 |
| Net operating income to assets | 1.2440% | 1,620 |
| Return on assets (ROA) | 1.2442% | 1,792 |
| Pretax return on assets | 1.8493% | 977 |
| Return on Equity (ROE) | 13.1469% | 1,370 |
| Retained earnings to average equity (ytd only) | 2.8038% | 4,854 |
| Net charge-offs to loans | 0.4835% | 1,880 |
| Credit loss provision to net charge-offs | 73.1303% | 2,858 |
| Earnings coverage of net charge-offs (x) | 9.1895% | 1,872 |
| Efficiency ratio | 61.2338% | 5,420 |
| Assets per employee ($millions) | 4.3657% | 3,269 |
| Cash dividends to net income (ytd only)* | 78.6733% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9602% | 2,491 |
| Loan loss allowance to noncurrent loans | 212.8035% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5318% | 5,541 |
| Noncurrent loans to loans | 0.9211% | 4,824 |
| Net loans and leases to total assets | 44.5718% | 5,949 |
| Net loans and leases to deposits | 54.1167% | 5,795 |
| Net loans and leases to core deposits | 57.6142% | 5,745 |
| Total domestic deposits to total assets | 82.3623% | 5,172 |
| Equity capital to assets | 9.5437% | 4,733 |
| Core capital (leverage) ratio | 8.4823% | 5,626 |
| Tier 1 risk-based capital ratio | 13.0415% | 5,186 |
| Total risk-based capital ratio | 14.2934% | 5,147 |
| Memoranda: | ||
| Average total assets | $20,431,869,500 | 61 |
| Average earning assets | $19,068,668,500 | 57 |
| Average equity | $1,933,660,000 | 73 |
| Average total loans | $9,235,875,000 | 81 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 6,713 |
| Cost of funding earning assets | 0.2856% | 7,124 |
| Net interest margin | 3.5253% | 5,046 |
| Noninterest income to average assets | 2.2382% | 317 |
| Noninterest expense to average assets | 3.3694% | 2,318 |
| Loan and lease loss provision to assets | 0.2640% | 3,580 |
| Net operating income to assets | 1.2733% | 1,311 |
| Return on assets (ROA) | 1.2656% | 1,436 |
| Pretax return on assets | 1.8789% | 693 |
| Return on Equity (ROE) | 13.2650% | 1,102 |
| Retained earnings to average equity (ytd only) | 3.5981% | 3,656 |
| Net charge-offs to loans | 0.6936% | 2,422 |
| Credit loss provision to net charge-offs | 79.8419% | 4,462 |
| Earnings coverage of net charge-offs (x) | 6.5159% | 2,501 |
| Efficiency ratio | 60.7554% | 5,639 |
| Assets per employee ($millions) | 4.4196% | 3,038 |
| Cash dividends to net income (ytd only)* | 72.8751% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0034% | 2,268 |
| Loan loss allowance to noncurrent loans | 204.0425% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 5,588 |
| Noncurrent loans to loans | 0.9819% | 4,744 |
| Net loans and leases to total assets | 44.0447% | 6,208 |
| Net loans and leases to deposits | 53.7111% | 6,099 |
| Net loans and leases to core deposits | 56.9747% | 6,082 |
| Total domestic deposits to total assets | 82.0030% | 5,125 |
| Equity capital to assets | 9.3847% | 5,041 |
| Core capital (leverage) ratio | 8.3643% | 5,759 |
| Tier 1 risk-based capital ratio | 12.9412% | 5,118 |
| Total risk-based capital ratio | 14.1934% | 5,098 |
| Memoranda: | ||
| Average total assets | $19,516,011,400 | 61 |
| Average earning assets | $18,187,668,400 | 61 |
| Average equity | $1,862,023,800 | 73 |
| Average total loans | $9,301,751,400 | 78 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 6,762 |
| Cost of funding earning assets | 0.3003% | 7,211 |
| Net interest margin | 3.5729% | 4,881 |
| Noninterest income to average assets | 2.2891% | 306 |
| Noninterest expense to average assets | 3.3904% | 2,212 |
| Loan and lease loss provision to assets | 0.2724% | 3,327 |
| Net operating income to assets | 1.3198% | 1,324 |
| Return on assets (ROA) | 1.3129% | 1,430 |
| Pretax return on assets | 1.9464% | 698 |
| Return on Equity (ROE) | 13.7010% | 1,105 |
| Retained earnings to average equity (ytd only) | 4.3152% | 3,657 |
| Net charge-offs to loans | 0.6988% | 2,161 |
| Credit loss provision to net charge-offs | 80.5615% | 4,126 |
| Earnings coverage of net charge-offs (x) | 6.5925% | 2,526 |
| Efficiency ratio | 60.0803% | 5,706 |
| Assets per employee ($millions) | 4.4093% | 3,063 |
| Cash dividends to net income (ytd only)* | 68.5047% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0631% | 2,167 |
| Loan loss allowance to noncurrent loans | 195.8403% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 5,654 |
| Noncurrent loans to loans | 1.0535% | 4,799 |
| Net loans and leases to total assets | 43.5830% | 6,371 |
| Net loans and leases to deposits | 55.7243% | 6,056 |
| Net loans and leases to core deposits | 59.5211% | 6,025 |
| Total domestic deposits to total assets | 78.2118% | 6,152 |
| Equity capital to assets | 9.3432% | 5,311 |
| Core capital (leverage) ratio | 8.6876% | 5,429 |
| Tier 1 risk-based capital ratio | 13.0656% | 5,048 |
| Total risk-based capital ratio | 14.3184% | 5,018 |
| Memoranda: | ||
| Average total assets | $19,271,622,000 | 61 |
| Average earning assets | $17,963,736,500 | 61 |
| Average equity | $1,846,715,750 | 72 |
| Average total loans | $9,324,472,250 | 77 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0052% | 6,652 |
| Cost of funding earning assets | 0.3214% | 7,276 |
| Net interest margin | 3.6839% | 4,341 |
| Noninterest income to average assets | 2.3097% | 299 |
| Noninterest expense to average assets | 3.4729% | 2,058 |
| Loan and lease loss provision to assets | 0.2965% | 3,029 |
| Net operating income to assets | 1.3369% | 1,223 |
| Return on assets (ROA) | 1.3315% | 1,317 |
| Pretax return on assets | 1.9647% | 632 |
| Return on Equity (ROE) | 13.7705% | 1,026 |
| Retained earnings to average equity (ytd only) | 5.0006% | 3,007 |
| Net charge-offs to loans | 0.7233% | 2,063 |
| Credit loss provision to net charge-offs | 82.3410% | 3,702 |
| Earnings coverage of net charge-offs (x) | 6.3002% | 2,424 |
| Efficiency ratio | 60.2225% | 5,840 |
| Assets per employee ($millions) | 4.1296% | 3,490 |
| Cash dividends to net income (ytd only)* | 63.6862% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0642% | 2,198 |
| Loan loss allowance to noncurrent loans | 185.3940% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 5,596 |
| Noncurrent loans to loans | 1.1134% | 4,807 |
| Net loans and leases to total assets | 46.8110% | 6,173 |
| Net loans and leases to deposits | 58.0227% | 5,935 |
| Net loans and leases to core deposits | 62.0462% | 5,893 |
| Total domestic deposits to total assets | 80.6770% | 5,630 |
| Equity capital to assets | 9.5993% | 4,658 |
| Core capital (leverage) ratio | 8.9611% | 4,783 |
| Tier 1 risk-based capital ratio | 13.1777% | 4,779 |
| Total risk-based capital ratio | 14.4312% | 4,762 |
| Memoranda: | ||
| Average total assets | $18,868,450,330 | 64 |
| Average earning assets | $17,579,444,000 | 64 |
| Average equity | $1,824,426,000 | 74 |
| Average total loans | $9,394,519,330 | 78 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 6,617 |
| Cost of funding earning assets | 0.3437% | 7,324 |
| Net interest margin | 3.6984% | 4,116 |
| Noninterest income to average assets | 2.2534% | 312 |
| Noninterest expense to average assets | 3.5133% | 1,967 |
| Loan and lease loss provision to assets | 0.3396% | 2,522 |
| Net operating income to assets | 1.2532% | 1,379 |
| Return on assets (ROA) | 1.2513% | 1,440 |
| Pretax return on assets | 1.8391% | 757 |
| Return on Equity (ROE) | 12.8928% | 1,218 |
| Retained earnings to average equity (ytd only) | 4.0278% | 3,752 |
| Net charge-offs to loans | 0.7951% | 1,630 |
| Credit loss provision to net charge-offs | 84.0332% | 3,069 |
| Earnings coverage of net charge-offs (x) | 5.3971% | 2,287 |
| Efficiency ratio | 61.4273% | 5,774 |
| Assets per employee ($millions) | 3.9486% | 3,946 |
| Cash dividends to net income (ytd only)* | 68.7592% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0632% | 2,262 |
| Loan loss allowance to noncurrent loans | 201.3142% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 5,668 |
| Noncurrent loans to loans | 1.0249% | 5,007 |
| Net loans and leases to total assets | 48.9763% | 5,962 |
| Net loans and leases to deposits | 59.4152% | 5,775 |
| Net loans and leases to core deposits | 63.8753% | 5,743 |
| Total domestic deposits to total assets | 82.4307% | 5,134 |
| Equity capital to assets | 9.6108% | 4,301 |
| Core capital (leverage) ratio | 8.9563% | 4,683 |
| Tier 1 risk-based capital ratio | 12.9077% | 4,889 |
| Total risk-based capital ratio | 14.1615% | 4,874 |
| Memoranda: | ||
| Average total assets | $18,595,945,000 | 65 |
| Average earning assets | $17,302,129,000 | 65 |
| Average equity | $1,804,858,000 | 75 |
| Average total loans | $9,452,195,500 | 78 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3097% | 6,780 |
| Cost of funding earning assets | 0.4956% | 7,305 |
| Net interest margin | 3.8141% | 3,892 |
| Noninterest income to average assets | 2.3841% | 297 |
| Noninterest expense to average assets | 3.6159% | 1,889 |
| Loan and lease loss provision to assets | 0.5498% | 2,940 |
| Net operating income to assets | 1.2085% | 1,393 |
| Return on assets (ROA) | 1.2048% | 1,481 |
| Pretax return on assets | 1.7375% | 878 |
| Return on Equity (ROE) | 12.4411% | 1,233 |
| Retained earnings to average equity (ytd only) | 5.6281% | 2,034 |
| Net charge-offs to loans | 0.9594% | 2,258 |
| Credit loss provision to net charge-offs | 103.1544% | 4,374 |
| Earnings coverage of net charge-offs (x) | 4.3012% | 2,977 |
| Efficiency ratio | 60.9067% | 5,910 |
| Assets per employee ($millions) | 3.8020% | 4,253 |
| Cash dividends to net income (ytd only)* | 54.7623% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0847% | 2,101 |
| Loan loss allowance to noncurrent loans | 186.8113% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 5,713 |
| Noncurrent loans to loans | 1.1159% | 4,873 |
| Net loans and leases to total assets | 50.5965% | 6,099 |
| Net loans and leases to deposits | 61.4948% | 5,896 |
| Net loans and leases to core deposits | 65.0710% | 5,972 |
| Total domestic deposits to total assets | 82.2777% | 5,096 |
| Equity capital to assets | 9.8031% | 3,995 |
| Core capital (leverage) ratio | 9.0006% | 4,557 |
| Tier 1 risk-based capital ratio | 12.7778% | 4,788 |
| Total risk-based capital ratio | 14.0319% | 4,755 |
| Memoranda: | ||
| Average total assets | $18,188,020,400 | 64 |
| Average earning assets | $16,806,474,600 | 62 |
| Average equity | $1,761,328,600 | 73 |
| Average total loans | $10,104,371,400 | 73 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 6,873 |
| Cost of funding earning assets | 0.5297% | 7,401 |
| Net interest margin | 3.8323% | 3,830 |
| Noninterest income to average assets | 2.3102% | 308 |
| Noninterest expense to average assets | 3.5545% | 1,897 |
| Loan and lease loss provision to assets | 0.5756% | 2,637 |
| Net operating income to assets | 1.1716% | 1,669 |
| Return on assets (ROA) | 1.1661% | 1,782 |
| Pretax return on assets | 1.7076% | 1,100 |
| Return on Equity (ROE) | 12.0795% | 1,481 |
| Retained earnings to average equity (ytd only) | 5.9923% | 2,356 |
| Net charge-offs to loans | 0.9783% | 2,043 |
| Credit loss provision to net charge-offs | 104.0627% | 4,124 |
| Earnings coverage of net charge-offs (x) | 4.1424% | 3,178 |
| Efficiency ratio | 60.5004% | 5,873 |
| Assets per employee ($millions) | 3.8242% | 4,209 |
| Cash dividends to net income (ytd only)* | 50.3931% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 2,265 |
| Loan loss allowance to noncurrent loans | 149.2742% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.7798% | 5,546 |
| Noncurrent loans to loans | 1.3293% | 4,643 |
| Net loans and leases to total assets | 52.5220% | 6,038 |
| Net loans and leases to deposits | 67.7863% | 5,448 |
| Net loans and leases to core deposits | 71.8482% | 5,530 |
| Total domestic deposits to total assets | 77.4817% | 6,372 |
| Equity capital to assets | 9.7348% | 4,493 |
| Core capital (leverage) ratio | 8.7082% | 5,170 |
| Tier 1 risk-based capital ratio | 12.5712% | 4,922 |
| Total risk-based capital ratio | 13.8252% | 4,893 |
| Memoranda: | ||
| Average total assets | $18,150,714,500 | 64 |
| Average earning assets | $16,744,865,750 | 63 |
| Average equity | $1,752,254,000 | 74 |
| Average total loans | $10,261,579,500 | 72 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 6,769 |
| Cost of funding earning assets | 0.5667% | 7,455 |
| Net interest margin | 3.8996% | 3,452 |
| Noninterest income to average assets | 2.3057% | 291 |
| Noninterest expense to average assets | 3.5619% | 1,881 |
| Loan and lease loss provision to assets | 0.6276% | 2,285 |
| Net operating income to assets | 1.1703% | 1,646 |
| Return on assets (ROA) | 1.1697% | 1,707 |
| Pretax return on assets | 1.7098% | 1,042 |
| Return on Equity (ROE) | 12.1517% | 1,415 |
| Retained earnings to average equity (ytd only) | 7.5368% | 1,625 |
| Net charge-offs to loans | 1.0315% | 1,813 |
| Credit loss provision to net charge-offs | 105.7211% | 3,854 |
| Earnings coverage of net charge-offs (x) | 3.9388% | 3,115 |
| Efficiency ratio | 60.0575% | 6,039 |
| Assets per employee ($millions) | 3.6677% | 4,558 |
| Cash dividends to net income (ytd only)* | 37.9777% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9319% | 2,337 |
| Loan loss allowance to noncurrent loans | 148.9908% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 5,513 |
| Noncurrent loans to loans | 1.2966% | 4,788 |
| Net loans and leases to total assets | 55.0776% | 5,830 |
| Net loans and leases to deposits | 69.2053% | 5,386 |
| Net loans and leases to core deposits | 74.2874% | 5,410 |
| Total domestic deposits to total assets | 79.5858% | 5,866 |
| Equity capital to assets | 9.7538% | 4,334 |
| Core capital (leverage) ratio | 8.8876% | 4,774 |
| Tier 1 risk-based capital ratio | 12.5919% | 4,776 |
| Total risk-based capital ratio | 13.8461% | 4,740 |
| Memoranda: | ||
| Average total assets | $18,008,338,000 | 63 |
| Average earning assets | $16,598,734,000 | 62 |
| Average equity | $1,733,497,670 | 74 |
| Average total loans | $10,363,777,670 | 71 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 6,715 |
| Cost of funding earning assets | 0.6097% | 7,523 |
| Net interest margin | 3.9258% | 3,217 |
| Noninterest income to average assets | 2.2171% | 297 |
| Noninterest expense to average assets | 3.5758% | 1,795 |
| Loan and lease loss provision to assets | 0.7666% | 1,655 |
| Net operating income to assets | 1.0232% | 2,101 |
| Return on assets (ROA) | 1.0070% | 2,218 |
| Pretax return on assets | 1.4585% | 1,620 |
| Return on Equity (ROE) | 10.5321% | 1,932 |
| Retained earnings to average equity (ytd only) | 10.5321% | 1,030 |
| Net charge-offs to loans | 1.1987% | 1,421 |
| Credit loss provision to net charge-offs | 109.7812% | 3,139 |
| Earnings coverage of net charge-offs (x) | 3.2199% | 2,979 |
| Efficiency ratio | 61.0753% | 5,988 |
| Assets per employee ($millions) | 3.5514% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 2,427 |
| Loan loss allowance to noncurrent loans | 142.7968% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 5,447 |
| Noncurrent loans to loans | 1.3333% | 4,750 |
| Net loans and leases to total assets | 56.9891% | 5,609 |
| Net loans and leases to deposits | 72.6648% | 4,966 |
| Net loans and leases to core deposits | 76.3312% | 5,213 |
| Total domestic deposits to total assets | 78.4274% | 6,219 |
| Equity capital to assets | 9.7437% | 4,177 |
| Core capital (leverage) ratio | 8.8114% | 4,839 |
| Tier 1 risk-based capital ratio | 12.1111% | 5,076 |
| Total risk-based capital ratio | 13.3649% | 5,039 |
| Memoranda: | ||
| Average total assets | $17,909,287,000 | 63 |
| Average earning assets | $16,455,509,000 | 62 |
| Average equity | $1,712,334,500 | 74 |
| Average total loans | $10,433,066,000 | 70 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8450% | 6,853 |
| Cost of funding earning assets | 0.9420% | 7,323 |
| Net interest margin | 3.9030% | 3,255 |
| Noninterest income to average assets | 2.3846% | 294 |
| Noninterest expense to average assets | 3.5988% | 2,148 |
| Loan and lease loss provision to assets | 0.9071% | 2,482 |
| Net operating income to assets | 1.0097% | 1,803 |
| Return on assets (ROA) | 0.9330% | 2,129 |
| Pretax return on assets | 1.3527% | 1,550 |
| Return on Equity (ROE) | 10.6748% | 1,504 |
| Retained earnings to average equity (ytd only) | 7.7685% | 758 |
| Net charge-offs to loans | 1.2561% | 1,968 |
| Credit loss provision to net charge-offs | 115.7459% | 4,700 |
| Earnings coverage of net charge-offs (x) | 3.0254% | 3,564 |
| Efficiency ratio | 59.9400% | 6,502 |
| Assets per employee ($millions) | 3.7328% | 4,448 |
| Cash dividends to net income (ytd only)* | 27.2254% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 2,395 |
| Loan loss allowance to noncurrent loans | 130.3083% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.8871% | 5,327 |
| Noncurrent loans to loans | 1.4227% | 4,546 |
| Net loans and leases to total assets | 57.3312% | 5,771 |
| Net loans and leases to deposits | 72.3892% | 5,274 |
| Net loans and leases to core deposits | 80.4814% | 6,043 |
| Total domestic deposits to total assets | 79.1986% | 5,934 |
| Equity capital to assets | 9.3797% | 4,590 |
| Core capital (leverage) ratio | 8.4284% | 5,390 |
| Tier 1 risk-based capital ratio | 11.5743% | 5,322 |
| Total risk-based capital ratio | 12.8275% | 5,274 |
| Memoranda: | ||
| Average total assets | $17,716,316,600 | 65 |
| Average earning assets | $16,273,125,600 | 62 |
| Average equity | $1,548,387,200 | 74 |
| Average total loans | $11,053,225,200 | 64 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8882% | 6,911 |
| Cost of funding earning assets | 1.0119% | 7,362 |
| Net interest margin | 3.8763% | 3,318 |
| Noninterest income to average assets | 2.3526% | 291 |
| Noninterest expense to average assets | 3.6112% | 2,009 |
| Loan and lease loss provision to assets | 0.9039% | 2,126 |
| Net operating income to assets | 0.9559% | 2,216 |
| Return on assets (ROA) | 0.9413% | 2,330 |
| Pretax return on assets | 1.3730% | 1,760 |
| Return on Equity (ROE) | 10.9745% | 1,626 |
| Retained earnings to average equity (ytd only) | 7.0126% | 1,498 |
| Net charge-offs to loans | 1.2131% | 1,680 |
| Credit loss provision to net charge-offs | 117.5232% | 4,328 |
| Earnings coverage of net charge-offs (x) | 2.9878% | 3,738 |
| Efficiency ratio | 60.7533% | 6,314 |
| Assets per employee ($millions) | 3.7250% | 4,366 |
| Cash dividends to net income (ytd only)* | 36.1014% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 2,286 |
| Loan loss allowance to noncurrent loans | 113.8381% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.9797% | 5,100 |
| Noncurrent loans to loans | 1.5783% | 4,271 |
| Net loans and leases to total assets | 58.3332% | 5,840 |
| Net loans and leases to deposits | 74.9776% | 5,209 |
| Net loans and leases to core deposits | 85.1708% | 5,954 |
| Total domestic deposits to total assets | 77.8009% | 6,142 |
| Equity capital to assets | 9.1334% | 5,281 |
| Core capital (leverage) ratio | 8.3671% | 5,719 |
| Tier 1 risk-based capital ratio | 11.0824% | 5,868 |
| Total risk-based capital ratio | 12.3350% | 5,823 |
| Memoranda: | ||
| Average total assets | $17,655,717,500 | 67 |
| Average earning assets | $16,199,442,750 | 67 |
| Average equity | $1,514,367,500 | 80 |
| Average total loans | $11,193,925,250 | 67 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 7,088 |
| Cost of funding earning assets | 1.0574% | 7,452 |
| Net interest margin | 3.8167% | 3,479 |
| Noninterest income to average assets | 2.3195% | 293 |
| Noninterest expense to average assets | 3.6206% | 2,023 |
| Loan and lease loss provision to assets | 0.9588% | 1,765 |
| Net operating income to assets | 0.8444% | 2,676 |
| Return on assets (ROA) | 0.8341% | 2,811 |
| Pretax return on assets | 1.2133% | 2,261 |
| Return on Equity (ROE) | 9.9424% | 2,038 |
| Retained earnings to average equity (ytd only) | 3.8441% | 3,152 |
| Net charge-offs to loans | 1.2457% | 1,482 |
| Credit loss provision to net charge-offs | 118.8606% | 3,912 |
| Earnings coverage of net charge-offs (x) | 2.7113% | 3,725 |
| Efficiency ratio | 61.9679% | 6,247 |
| Assets per employee ($millions) | 3.6053% | 4,560 |
| Cash dividends to net income (ytd only)* | 61.3363% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6772% | 2,425 |
| Loan loss allowance to noncurrent loans | 114.3812% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.9805% | 5,008 |
| Noncurrent loans to loans | 1.4663% | 4,293 |
| Net loans and leases to total assets | 62.2806% | 5,308 |
| Net loans and leases to deposits | 79.5587% | 4,611 |
| Net loans and leases to core deposits | 91.3868% | 5,412 |
| Total domestic deposits to total assets | 78.2825% | 6,004 |
| Equity capital to assets | 8.6939% | 5,761 |
| Core capital (leverage) ratio | 8.0453% | 6,246 |
| Tier 1 risk-based capital ratio | 10.2575% | 6,640 |
| Total risk-based capital ratio | 11.5090% | 6,569 |
| Memoranda: | ||
| Average total assets | $17,592,116,000 | 71 |
| Average earning assets | $16,077,249,670 | 70 |
| Average equity | $1,475,826,000 | 86 |
| Average total loans | $11,391,594,330 | 72 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 7,384 |
| Cost of funding earning assets | 1.0818% | 7,542 |
| Net interest margin | 3.7094% | 3,852 |
| Noninterest income to average assets | 2.2388% | 300 |
| Noninterest expense to average assets | 3.5332% | 2,022 |
| Loan and lease loss provision to assets | 0.9792% | 1,325 |
| Net operating income to assets | 0.7626% | 3,289 |
| Return on assets (ROA) | 0.7536% | 3,509 |
| Pretax return on assets | 1.1074% | 2,960 |
| Return on Equity (ROE) | 9.1482% | 2,654 |
| Retained earnings to average equity (ytd only) | 0.8877% | 5,300 |
| Net charge-offs to loans | 1.2101% | 1,154 |
| Credit loss provision to net charge-offs | 123.6232% | 3,209 |
| Earnings coverage of net charge-offs (x) | 2.6507% | 3,432 |
| Efficiency ratio | 62.3390% | 5,993 |
| Assets per employee ($millions) | 3.6083% | 4,548 |
| Cash dividends to net income (ytd only)* | 90.2962% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 2,594 |
| Loan loss allowance to noncurrent loans | 112.0418% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 4,812 |
| Noncurrent loans to loans | 1.4109% | 4,193 |
| Net loans and leases to total assets | 63.0958% | 5,144 |
| Net loans and leases to deposits | 80.6584% | 4,508 |
| Net loans and leases to core deposits | 95.7859% | 4,992 |
| Total domestic deposits to total assets | 78.2259% | 5,935 |
| Equity capital to assets | 8.2065% | 6,527 |
| Core capital (leverage) ratio | 8.0460% | 6,389 |
| Tier 1 risk-based capital ratio | 10.0089% | 6,910 |
| Total risk-based capital ratio | 11.2598% | 6,815 |
| Memoranda: | ||
| Average total assets | $17,634,401,500 | 71 |
| Average earning assets | $16,134,552,000 | 71 |
| Average equity | $1,452,693,500 | 89 |
| Average total loans | $11,542,490,500 | 72 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5732% | 7,146 |
| Cost of funding earning assets | 1.6923% | 7,274 |
| Net interest margin | 3.8809% | 3,655 |
| Noninterest income to average assets | 2.3861% | 270 |
| Noninterest expense to average assets | 3.7705% | 1,814 |
| Loan and lease loss provision to assets | 0.6498% | 2,240 |
| Net operating income to assets | 1.0263% | 2,451 |
| Return on assets (ROA) | 1.0519% | 2,239 |
| Pretax return on assets | 1.5218% | 1,618 |
| Return on Equity (ROE) | 12.4385% | 1,461 |
| Retained earnings to average equity (ytd only) | 7.4997% | 986 |
| Net charge-offs to loans | 0.6173% | 1,989 |
| Credit loss provision to net charge-offs | 155.8720% | 3,345 |
| Earnings coverage of net charge-offs (x) | 5.1200% | 3,744 |
| Efficiency ratio | 63.4352% | 5,684 |
| Assets per employee ($millions) | 3.4999% | 4,657 |
| Cash dividends to net income (ytd only)* | 39.7057% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 2,778 |
| Loan loss allowance to noncurrent loans | 152.9497% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6833% | 5,175 |
| Noncurrent loans to loans | 0.9693% | 4,657 |
| Net loans and leases to total assets | 65.8415% | 4,883 |
| Net loans and leases to deposits | 88.9249% | 3,650 |
| Net loans and leases to core deposits | 103.7610% | 4,417 |
| Total domestic deposits to total assets | 74.0417% | 6,649 |
| Equity capital to assets | 8.2700% | 6,460 |
| Core capital (leverage) ratio | 8.2422% | 6,070 |
| Tier 1 risk-based capital ratio | 9.9561% | 6,788 |
| Total risk-based capital ratio | 11.2062% | 6,675 |
| Memoranda: | ||
| Average total assets | $16,759,283,800 | 73 |
| Average earning assets | $15,195,446,600 | 75 |
| Average equity | $1,417,350,000 | 81 |
| Average total loans | $11,317,793,600 | 75 |