Home > Deutsche Bank Trust Company Americas > Performance and Condition Ratios
Deutsche Bank Trust Company Americas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6022% | 1,031 |
| Cost of funding earning assets | 1.8787% | 1,109 |
| Net interest margin | 3.7235% | 1,713 |
| Noninterest income to average assets | 1.4800% | 393 |
| Noninterest expense to average assets | 2.7118% | 1,705 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.6673% | 773 |
| Return on assets (ROA) | 1.6694% | 745 |
| Pretax return on assets | 2.2488% | 464 |
| Return on Equity (ROE) | 6.5900% | 3,391 |
| Retained earnings to average equity (ytd only) | 1.8265% | 3,616 |
| Net charge-offs to loans | -0.0132% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.6474% | 3,632 |
| Assets per employee ($millions) | 100.8464% | 20 |
| Cash dividends to net income (ytd only)* | 72.2662% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0979% | 4,454 |
| Loan loss allowance to noncurrent loans | 57.1429% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 2,989 |
| Noncurrent loans to loans | 0.1713% | 2,663 |
| Net loans and leases to total assets | 42.1700% | 3,960 |
| Net loans and leases to deposits | 62.1470% | 3,399 |
| Net loans and leases to core deposits | 63.4238% | 3,615 |
| Total domestic deposits to total assets | 67.8600% | 4,346 |
| Equity capital to assets | 24.9580% | 193 |
| Core capital (leverage) ratio | 26.6492% | 140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.3580% | 105 |
| Memoranda: | ||
| Average total assets | $37,797,400,000 | 59 |
| Average earning assets | $35,289,800,000 | 57 |
| Average equity | $9,581,000,000 | 30 |
| Average total loans | $15,172,400,000 | 82 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6389% | 865 |
| Cost of funding earning assets | 1.8213% | 979 |
| Net interest margin | 3.8175% | 1,561 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 2.6300% | 1,855 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.2501% | 1,650 |
| Return on assets (ROA) | 1.2529% | 1,637 |
| Pretax return on assets | 1.7107% | 1,143 |
| Return on Equity (ROE) | 4.9200% | 3,822 |
| Retained earnings to average equity (ytd only) | -1.4365% | 4,283 |
| Net charge-offs to loans | -0.0179% | 4,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.6732% | 2,890 |
| Assets per employee ($millions) | 97.6385% | 20 |
| Cash dividends to net income (ytd only)* | 129.1785% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0965% | 4,475 |
| Loan loss allowance to noncurrent loans | 31.9149% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 2,668 |
| Noncurrent loans to loans | 0.3025% | 2,149 |
| Net loans and leases to total assets | 40.7600% | 4,024 |
| Net loans and leases to deposits | 61.2187% | 3,445 |
| Net loans and leases to core deposits | 62.4276% | 3,596 |
| Total domestic deposits to total assets | 66.5900% | 4,395 |
| Equity capital to assets | 24.6225% | 204 |
| Core capital (leverage) ratio | 25.8337% | 151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.9671% | 102 |
| Memoranda: | ||
| Average total assets | $37,565,500,000 | 60 |
| Average earning assets | $35,065,250,000 | 57 |
| Average equity | $9,560,000,000 | 31 |
| Average total loans | $14,878,750,000 | 85 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4456% | 905 |
| Cost of funding earning assets | 1.7257% | 852 |
| Net interest margin | 3.7199% | 1,784 |
| Noninterest income to average assets | 0.9300% | 646 |
| Noninterest expense to average assets | 2.7598% | 1,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1992% | 1,834 |
| Return on assets (ROA) | 1.2034% | 1,814 |
| Pretax return on assets | 1.6527% | 1,315 |
| Return on Equity (ROE) | 4.6800% | 3,930 |
| Retained earnings to average equity (ytd only) | 4.6771% | 3,034 |
| Net charge-offs to loans | -0.0273% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.3786% | 2,665 |
| Assets per employee ($millions) | 96.0625% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1189% | 4,511 |
| Loan loss allowance to noncurrent loans | 32.1429% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 2,423 |
| Noncurrent loans to loans | 0.3700% | 1,816 |
| Net loans and leases to total assets | 40.9800% | 4,005 |
| Net loans and leases to deposits | 63.0574% | 3,250 |
| Net loans and leases to core deposits | 64.3374% | 3,427 |
| Total domestic deposits to total assets | 64.9900% | 4,442 |
| Equity capital to assets | 26.3175% | 180 |
| Core capital (leverage) ratio | 26.6509% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.1612% | 88 |
| Memoranda: | ||
| Average total assets | $37,394,333,333 | 59 |
| Average earning assets | $35,001,000,000 | 56 |
| Average equity | $9,621,333,333 | 31 |
| Average total loans | $14,659,333,333 | 86 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 808 |
| Cost of funding earning assets | 1.6872% | 593 |
| Net interest margin | 3.6349% | 2,045 |
| Noninterest income to average assets | 1.5600% | 312 |
| Noninterest expense to average assets | 2.2950% | 2,830 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 1.9997% | 496 |
| Return on assets (ROA) | 2.0081% | 484 |
| Pretax return on assets | 2.7093% | 281 |
| Return on Equity (ROE) | 7.8900% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.8931% | 2,250 |
| Net charge-offs to loans | -0.0555% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.9402% | 4,222 |
| Assets per employee ($millions) | 94.5105% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1083% | 4,572 |
| Loan loss allowance to noncurrent loans | 34.7826% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 2,622 |
| Noncurrent loans to loans | 0.3114% | 2,030 |
| Net loans and leases to total assets | 40.8700% | 4,008 |
| Net loans and leases to deposits | 62.4667% | 3,200 |
| Net loans and leases to core deposits | 63.8370% | 3,356 |
| Total domestic deposits to total assets | 65.4200% | 4,495 |
| Equity capital to assets | 26.8039% | 139 |
| Core capital (leverage) ratio | 24.7740% | 169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.4283% | 89 |
| Memoranda: | ||
| Average total assets | $37,647,500,000 | 62 |
| Average earning assets | $35,324,000,000 | 59 |
| Average equity | $9,578,000,000 | 33 |
| Average total loans | $14,421,000,000 | 90 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1739% | 4,580 |
| Cost of funding earning assets | 0.5086% | 1,327 |
| Net interest margin | 1.6653% | 4,613 |
| Noninterest income to average assets | 0.9900% | 658 |
| Noninterest expense to average assets | 1.9455% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.4444% | 4,185 |
| Return on assets (ROA) | 0.4444% | 4,144 |
| Pretax return on assets | 0.6217% | 3,994 |
| Return on Equity (ROE) | 2.0100% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.0109% | 3,975 |
| Net charge-offs to loans | -0.0148% | 3,951 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.5064% | 1,067 |
| Assets per employee ($millions) | 98.4724% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1137% | 4,594 |
| Loan loss allowance to noncurrent loans | 34.0426% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 2,688 |
| Noncurrent loans to loans | 0.3340% | 1,955 |
| Net loans and leases to total assets | 35.8600% | 4,223 |
| Net loans and leases to deposits | 52.3891% | 3,773 |
| Net loans and leases to core deposits | 53.4937% | 3,831 |
| Total domestic deposits to total assets | 68.4600% | 4,498 |
| Equity capital to assets | 24.1861% | 161 |
| Core capital (leverage) ratio | 24.1697% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.2937% | 90 |
| Memoranda: | ||
| Average total assets | $42,302,000,000 | 55 |
| Average earning assets | $40,112,600,000 | 51 |
| Average equity | $9,349,200,000 | 34 |
| Average total loans | $13,523,800,000 | 96 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5722% | 4,658 |
| Cost of funding earning assets | 0.2897% | 2,284 |
| Net interest margin | 1.2825% | 4,665 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 1.7951% | 3,996 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2321% | 4,444 |
| Return on assets (ROA) | 0.2321% | 4,408 |
| Pretax return on assets | 0.3188% | 4,355 |
| Return on Equity (ROE) | 1.0700% | 4,490 |
| Retained earnings to average equity (ytd only) | 1.0733% | 4,203 |
| Net charge-offs to loans | -0.0100% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.6041% | 511 |
| Assets per employee ($millions) | 97.0024% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1031% | 4,637 |
| Loan loss allowance to noncurrent loans | 30.4348% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 2,812 |
| Noncurrent loans to loans | 0.3388% | 2,017 |
| Net loans and leases to total assets | 34.0200% | 4,304 |
| Net loans and leases to deposits | 48.5554% | 3,931 |
| Net loans and leases to core deposits | 49.7250% | 3,968 |
| Total domestic deposits to total assets | 70.0600% | 4,535 |
| Equity capital to assets | 23.4800% | 155 |
| Core capital (leverage) ratio | 23.8686% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.1142% | 88 |
| Memoranda: | ||
| Average total assets | $43,079,500,000 | 57 |
| Average earning assets | $40,961,250,000 | 53 |
| Average equity | $9,316,750,000 | 35 |
| Average total loans | $13,386,750,000 | 98 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0374% | 4,736 |
| Cost of funding earning assets | 0.0952% | 4,242 |
| Net interest margin | 0.9422% | 4,735 |
| Noninterest income to average assets | 0.9060% | 833 |
| Noninterest expense to average assets | 1.8347% | 3,877 |
| Loan and lease loss provision to assets | 0.0091% | 2,431 |
| Net operating income to assets | -0.0362% | 4,590 |
| Return on assets (ROA) | -0.0362% | 4,559 |
| Pretax return on assets | -0.0408% | 4,552 |
| Return on Equity (ROE) | -0.1720% | 4,553 |
| Retained earnings to average equity (ytd only) | -0.1720% | 4,200 |
| Net charge-offs to loans | -0.0150% | 3,762 |
| Credit loss provision to net charge-offs | -200.0000% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2563% | 176 |
| Assets per employee ($millions) | 98.9758% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1151% | 4,702 |
| Loan loss allowance to noncurrent loans | 28.0702% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.1391% | 2,741 |
| Noncurrent loans to loans | 0.4101% | 1,890 |
| Net loans and leases to total assets | 33.8808% | 4,341 |
| Net loans and leases to deposits | 47.7539% | 3,928 |
| Net loans and leases to core deposits | 48.4606% | 4,007 |
| Total domestic deposits to total assets | 70.9488% | 4,605 |
| Equity capital to assets | 22.6767% | 118 |
| Core capital (leverage) ratio | 22.4630% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.8626% | 51 |
| Memoranda: | ||
| Average total assets | $44,150,000,000 | 56 |
| Average earning assets | $42,029,000,000 | 53 |
| Average equity | $9,302,000,000 | 35 |
| Average total loans | $13,323,666,667 | 95 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7140% | 4,771 |
| Cost of funding earning assets | 0.0275% | 4,715 |
| Net interest margin | 0.6865% | 4,770 |
| Noninterest income to average assets | 0.6122% | 1,639 |
| Noninterest expense to average assets | 1.6442% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2886% | 4,663 |
| Return on assets (ROA) | -0.2886% | 4,650 |
| Pretax return on assets | -0.3761% | 4,658 |
| Return on Equity (ROE) | -1.4183% | 4,607 |
| Retained earnings to average equity (ytd only) | -1.4183% | 4,185 |
| Net charge-offs to loans | -0.0307% | 4,095 |
| Credit loss provision to net charge-offs | -100.0000% | 2,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.9655% | 67 |
| Assets per employee ($millions) | 100.2770% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1098% | 4,731 |
| Loan loss allowance to noncurrent loans | 23.0769% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 2,701 |
| Noncurrent loans to loans | 0.4760% | 1,832 |
| Net loans and leases to total assets | 31.9303% | 4,381 |
| Net loans and leases to deposits | 43.5685% | 4,085 |
| Net loans and leases to core deposits | 44.3635% | 4,140 |
| Total domestic deposits to total assets | 73.2876% | 4,593 |
| Equity capital to assets | 21.7239% | 128 |
| Core capital (leverage) ratio | 22.0089% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 60.3325% | 54 |
| Memoranda: | ||
| Average total assets | $45,737,000,000 | 55 |
| Average earning assets | $43,700,000,000 | 52 |
| Average equity | $9,307,000,000 | 35 |
| Average total loans | $13,036,000,000 | 98 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6788% | 4,802 |
| Cost of funding earning assets | 0.0287% | 4,762 |
| Net interest margin | 0.6502% | 4,800 |
| Noninterest income to average assets | 1.4716% | 518 |
| Noninterest expense to average assets | 1.9438% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1071% | 4,618 |
| Return on assets (ROA) | 0.0981% | 4,629 |
| Pretax return on assets | 0.1369% | 4,613 |
| Return on Equity (ROE) | 0.4616% | 4,663 |
| Retained earnings to average equity (ytd only) | 0.4616% | 4,385 |
| Net charge-offs to loans | 0.0238% | 1,766 |
| Credit loss provision to net charge-offs | -66.6667% | 3,290 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,816 |
| Efficiency ratio | 91.7121% | 273 |
| Assets per employee ($millions) | 118.6277% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1047% | 4,767 |
| Loan loss allowance to noncurrent loans | 17.1053% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 2,821 |
| Noncurrent loans to loans | 0.6121% | 1,616 |
| Net loans and leases to total assets | 25.4410% | 4,642 |
| Net loans and leases to deposits | 33.1215% | 4,554 |
| Net loans and leases to core deposits | 33.5888% | 4,567 |
| Total domestic deposits to total assets | 76.8111% | 4,473 |
| Equity capital to assets | 19.1443% | 206 |
| Core capital (leverage) ratio | 21.3487% | 139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.1399% | 47 |
| Memoranda: | ||
| Average total assets | $43,831,000,000 | 55 |
| Average earning assets | $41,836,200,000 | 51 |
| Average equity | $9,315,200,000 | 35 |
| Average total loans | $12,584,400,000 | 98 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6960% | 4,888 |
| Cost of funding earning assets | 0.0328% | 4,834 |
| Net interest margin | 0.6631% | 4,885 |
| Noninterest income to average assets | 1.5336% | 531 |
| Noninterest expense to average assets | 2.0156% | 3,619 |
| Loan and lease loss provision to assets | -0.0031% | 4,297 |
| Net operating income to assets | 0.1255% | 4,677 |
| Return on assets (ROA) | 0.1127% | 4,708 |
| Pretax return on assets | 0.1377% | 4,696 |
| Return on Equity (ROE) | 0.5155% | 4,725 |
| Retained earnings to average equity (ytd only) | 0.5155% | 4,492 |
| Net charge-offs to loans | 0.0422% | 1,256 |
| Credit loss provision to net charge-offs | -25.0000% | 3,095 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,972 |
| Efficiency ratio | 91.7630% | 279 |
| Assets per employee ($millions) | 102.5747% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1005% | 4,851 |
| Loan loss allowance to noncurrent loans | 17.5676% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 3,012 |
| Noncurrent loans to loans | 0.5722% | 1,880 |
| Net loans and leases to total assets | 28.9534% | 4,617 |
| Net loans and leases to deposits | 39.4558% | 4,472 |
| Net loans and leases to core deposits | 40.0403% | 4,511 |
| Total domestic deposits to total assets | 73.3819% | 4,660 |
| Equity capital to assets | 20.9099% | 159 |
| Core capital (leverage) ratio | 22.5833% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.5614% | 53 |
| Memoranda: | ||
| Average total assets | $42,599,750,000 | 56 |
| Average earning assets | $40,613,500,000 | 55 |
| Average equity | $9,310,500,000 | 36 |
| Average total loans | $12,626,250,000 | 97 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6924% | 4,926 |
| Cost of funding earning assets | 0.0251% | 4,888 |
| Net interest margin | 0.6673% | 4,923 |
| Noninterest income to average assets | 1.5694% | 503 |
| Noninterest expense to average assets | 2.0608% | 3,521 |
| Loan and lease loss provision to assets | -0.0239% | 4,446 |
| Net operating income to assets | 0.1391% | 4,671 |
| Return on assets (ROA) | 0.1193% | 4,713 |
| Pretax return on assets | 0.1431% | 4,704 |
| Return on Equity (ROE) | 0.5374% | 4,750 |
| Retained earnings to average equity (ytd only) | 0.5374% | 4,427 |
| Net charge-offs to loans | 0.0160% | 1,628 |
| Credit loss provision to net charge-offs | -500.0000% | 3,458 |
| Earnings coverage of net charge-offs (x) | 30.0000% | 1,308 |
| Efficiency ratio | 92.6407% | 279 |
| Assets per employee ($millions) | 99.1323% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0931% | 4,889 |
| Loan loss allowance to noncurrent loans | 15.0000% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 3,022 |
| Noncurrent loans to loans | 0.6204% | 1,853 |
| Net loans and leases to total assets | 30.1526% | 4,646 |
| Net loans and leases to deposits | 42.8234% | 4,429 |
| Net loans and leases to core deposits | 43.5634% | 4,473 |
| Total domestic deposits to total assets | 70.4115% | 4,746 |
| Equity capital to assets | 21.8064% | 133 |
| Core capital (leverage) ratio | 24.7346% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 64.2163% | 52 |
| Memoranda: | ||
| Average total assets | $41,926,333,333 | 56 |
| Average earning assets | $39,861,333,333 | 55 |
| Average equity | $9,304,000,000 | 35 |
| Average total loans | $12,524,333,333 | 97 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6887% | 4,954 |
| Cost of funding earning assets | 0.0203% | 4,930 |
| Net interest margin | 0.6684% | 4,949 |
| Noninterest income to average assets | 1.7049% | 490 |
| Noninterest expense to average assets | 2.1288% | 3,332 |
| Loan and lease loss provision to assets | -0.0289% | 4,617 |
| Net operating income to assets | 0.1825% | 4,648 |
| Return on assets (ROA) | 0.1445% | 4,694 |
| Pretax return on assets | 0.1926% | 4,676 |
| Return on Equity (ROE) | 0.6453% | 4,739 |
| Retained earnings to average equity (ytd only) | 0.6453% | 4,280 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1235% | 366 |
| Assets per employee ($millions) | 83.1300% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1203% | 4,916 |
| Loan loss allowance to noncurrent loans | 17.6471% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 3,011 |
| Noncurrent loans to loans | 0.6815% | 1,883 |
| Net loans and leases to total assets | 33.0065% | 4,604 |
| Net loans and leases to deposits | 47.0697% | 4,302 |
| Net loans and leases to core deposits | 47.9595% | 4,376 |
| Total domestic deposits to total assets | 70.1227% | 4,766 |
| Equity capital to assets | 24.6469% | 99 |
| Core capital (leverage) ratio | 24.9798% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 66.4879% | 47 |
| Memoranda: | ||
| Average total assets | $41,526,500,000 | 56 |
| Average earning assets | $39,497,500,000 | 55 |
| Average equity | $9,297,500,000 | 34 |
| Average total loans | $12,339,000,000 | 101 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0658% | 4,968 |
| Cost of funding earning assets | 0.1505% | 4,725 |
| Net interest margin | 0.9153% | 4,965 |
| Noninterest income to average assets | 2.1345% | 306 |
| Noninterest expense to average assets | 2.4169% | 3,095 |
| Loan and lease loss provision to assets | 0.0139% | 4,199 |
| Net operating income to assets | 0.3426% | 4,368 |
| Return on assets (ROA) | 0.3426% | 4,435 |
| Pretax return on assets | 0.5765% | 4,129 |
| Return on Equity (ROE) | 1.5516% | 4,618 |
| Retained earnings to average equity (ytd only) | -3.0508% | 4,765 |
| Net charge-offs to loans | 0.0242% | 2,557 |
| Credit loss provision to net charge-offs | 200.0000% | 2,161 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 865 |
| Efficiency ratio | 79.8306% | 906 |
| Assets per employee ($millions) | 95.7970% | 19 |
| Cash dividends to net income (ytd only)* | 296.6216% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1475% | 4,934 |
| Loan loss allowance to noncurrent loans | 28.5714% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 3,590 |
| Noncurrent loans to loans | 0.5161% | 2,423 |
| Net loans and leases to total assets | 26.8980% | 4,814 |
| Net loans and leases to deposits | 36.2124% | 4,742 |
| Net loans and leases to core deposits | 36.4419% | 4,768 |
| Total domestic deposits to total assets | 74.2783% | 4,623 |
| Equity capital to assets | 20.5089% | 179 |
| Core capital (leverage) ratio | 21.0084% | 152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.7083% | 45 |
| Memoranda: | ||
| Average total assets | $43,195,400,000 | 54 |
| Average earning assets | $41,188,400,000 | 52 |
| Average equity | $9,538,600,000 | 34 |
| Average total loans | $12,381,000,000 | 99 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1979% | 5,005 |
| Cost of funding earning assets | 0.1903% | 4,701 |
| Net interest margin | 1.0075% | 5,004 |
| Noninterest income to average assets | 2.3250% | 266 |
| Noninterest expense to average assets | 2.4968% | 2,864 |
| Loan and lease loss provision to assets | 0.0375% | 3,884 |
| Net operating income to assets | 0.4406% | 4,185 |
| Return on assets (ROA) | 0.4406% | 4,250 |
| Pretax return on assets | 0.7500% | 3,779 |
| Return on Equity (ROE) | 1.9583% | 4,556 |
| Retained earnings to average equity (ytd only) | -4.1388% | 4,819 |
| Net charge-offs to loans | 0.0322% | 2,185 |
| Credit loss provision to net charge-offs | 366.6667% | 1,551 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 895 |
| Efficiency ratio | 75.5471% | 1,243 |
| Assets per employee ($millions) | 98.7974% | 18 |
| Cash dividends to net income (ytd only)* | 311.3475% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1818% | 4,967 |
| Loan loss allowance to noncurrent loans | 38.9831% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 3,777 |
| Noncurrent loans to loans | 0.4664% | 2,656 |
| Net loans and leases to total assets | 27.2488% | 4,865 |
| Net loans and leases to deposits | 39.3652% | 4,767 |
| Net loans and leases to core deposits | 39.6222% | 4,791 |
| Total domestic deposits to total assets | 69.2205% | 4,784 |
| Equity capital to assets | 20.0341% | 210 |
| Core capital (leverage) ratio | 22.3261% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.6763% | 54 |
| Memoranda: | ||
| Average total assets | $42,666,250,000 | 54 |
| Average earning assets | $40,626,750,000 | 52 |
| Average equity | $9,600,000,000 | 34 |
| Average total loans | $12,424,750,000 | 98 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4306% | 5,040 |
| Cost of funding earning assets | 0.2578% | 4,600 |
| Net interest margin | 1.1728% | 5,039 |
| Noninterest income to average assets | 2.8473% | 176 |
| Noninterest expense to average assets | 2.7604% | 2,185 |
| Loan and lease loss provision to assets | 0.0869% | 3,195 |
| Net operating income to assets | 0.6515% | 3,575 |
| Return on assets (ROA) | 0.6515% | 3,668 |
| Pretax return on assets | 1.1196% | 2,653 |
| Return on Equity (ROE) | 2.7819% | 4,389 |
| Retained earnings to average equity (ytd only) | 2.7819% | 3,466 |
| Net charge-offs to loans | 0.0324% | 2,082 |
| Credit loss provision to net charge-offs | 900.0000% | 850 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 606 |
| Efficiency ratio | 69.2214% | 2,057 |
| Assets per employee ($millions) | 92.2592% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2530% | 4,976 |
| Loan loss allowance to noncurrent loans | 55.3571% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 3,896 |
| Noncurrent loans to loans | 0.4571% | 2,775 |
| Net loans and leases to total assets | 27.0334% | 4,902 |
| Net loans and leases to deposits | 37.0614% | 4,844 |
| Net loans and leases to core deposits | 37.2546% | 4,867 |
| Total domestic deposits to total assets | 72.9422% | 4,653 |
| Equity capital to assets | 21.4967% | 161 |
| Core capital (leverage) ratio | 23.9635% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 68.2826% | 43 |
| Memoranda: | ||
| Average total assets | $41,443,000,000 | 55 |
| Average earning assets | $39,564,000,000 | 53 |
| Average equity | $9,705,666,667 | 34 |
| Average total loans | $12,350,000,000 | 98 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0252% | 5,084 |
| Cost of funding earning assets | 0.4877% | 3,999 |
| Net interest margin | 1.5374% | 5,072 |
| Noninterest income to average assets | 3.9332% | 112 |
| Noninterest expense to average assets | 2.1233% | 4,172 |
| Loan and lease loss provision to assets | 0.1820% | 1,641 |
| Net operating income to assets | 2.3154% | 151 |
| Return on assets (ROA) | 2.3154% | 165 |
| Pretax return on assets | 3.0940% | 82 |
| Return on Equity (ROE) | 9.4438% | 1,939 |
| Retained earnings to average equity (ytd only) | 9.4438% | 859 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9513% | 4,992 |
| Assets per employee ($millions) | 81.9270% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2542% | 5,018 |
| Loan loss allowance to noncurrent loans | 54.0984% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 3,881 |
| Noncurrent loans to loans | 0.4700% | 2,837 |
| Net loans and leases to total assets | 31.1698% | 4,885 |
| Net loans and leases to deposits | 44.7142% | 4,751 |
| Net loans and leases to core deposits | 44.9845% | 4,795 |
| Total domestic deposits to total assets | 69.7089% | 4,863 |
| Equity capital to assets | 23.6199% | 134 |
| Core capital (leverage) ratio | 24.2660% | 126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 65.9288% | 52 |
| Memoranda: | ||
| Average total assets | $39,561,000,000 | 55 |
| Average earning assets | $37,725,500,000 | 53 |
| Average equity | $9,699,500,000 | 34 |
| Average total loans | $12,399,000,000 | 95 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6457% | 5,110 |
| Cost of funding earning assets | 0.6465% | 3,429 |
| Net interest margin | 1.9991% | 5,093 |
| Noninterest income to average assets | 2.1792% | 231 |
| Noninterest expense to average assets | 2.2537% | 4,056 |
| Loan and lease loss provision to assets | 0.0050% | 3,908 |
| Net operating income to assets | 1.3125% | 1,640 |
| Return on assets (ROA) | 1.3145% | 1,712 |
| Pretax return on assets | 1.8437% | 848 |
| Return on Equity (ROE) | 5.5771% | 4,045 |
| Retained earnings to average equity (ytd only) | 1.8872% | 4,049 |
| Net charge-offs to loans | 0.0093% | 3,351 |
| Credit loss provision to net charge-offs | 200.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 743.0000% | 137 |
| Efficiency ratio | 54.4242% | 4,386 |
| Assets per employee ($millions) | 72.8391% | 20 |
| Cash dividends to net income (ytd only)* | 66.1626% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0762% | 5,112 |
| Loan loss allowance to noncurrent loans | 15.2542% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 3,818 |
| Noncurrent loans to loans | 0.4992% | 2,687 |
| Net loans and leases to total assets | 31.4194% | 4,947 |
| Net loans and leases to deposits | 47.4181% | 4,756 |
| Net loans and leases to core deposits | 47.7575% | 4,798 |
| Total domestic deposits to total assets | 66.2605% | 5,023 |
| Equity capital to assets | 25.5102% | 117 |
| Core capital (leverage) ratio | 25.3108% | 120 |
| Tier 1 risk-based capital ratio | 70.4484% | 65 |
| Total risk-based capital ratio | 70.5220% | 67 |
| Memoranda: | ||
| Average total assets | $40,244,200,000 | 51 |
| Average earning assets | $38,667,200,000 | 47 |
| Average equity | $9,485,200,000 | 33 |
| Average total loans | $10,717,200,000 | 103 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7484% | 5,189 |
| Cost of funding earning assets | 0.6574% | 3,414 |
| Net interest margin | 2.0909% | 5,171 |
| Noninterest income to average assets | 2.2651% | 221 |
| Noninterest expense to average assets | 2.0859% | 4,388 |
| Loan and lease loss provision to assets | 0.0065% | 3,752 |
| Net operating income to assets | 1.5618% | 1,020 |
| Return on assets (ROA) | 1.5644% | 1,072 |
| Pretax return on assets | 2.1869% | 464 |
| Return on Equity (ROE) | 6.7655% | 3,784 |
| Retained earnings to average equity (ytd only) | 1.8323% | 4,328 |
| Net charge-offs to loans | 0.0128% | 2,914 |
| Credit loss provision to net charge-offs | 200.0000% | 1,306 |
| Earnings coverage of net charge-offs (x) | 672.0000% | 147 |
| Efficiency ratio | 48.2470% | 4,839 |
| Assets per employee ($millions) | 73.4891% | 19 |
| Cash dividends to net income (ytd only)* | 72.9167% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0837% | 5,185 |
| Loan loss allowance to noncurrent loans | 15.2542% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 3,984 |
| Noncurrent loans to loans | 0.5484% | 2,651 |
| Net loans and leases to total assets | 26.6910% | 5,103 |
| Net loans and leases to deposits | 39.5824% | 5,007 |
| Net loans and leases to core deposits | 39.8391% | 5,039 |
| Total domestic deposits to total assets | 67.4315% | 5,073 |
| Equity capital to assets | 23.6219% | 146 |
| Core capital (leverage) ratio | 24.3605% | 132 |
| Tier 1 risk-based capital ratio | 76.1847% | 59 |
| Total risk-based capital ratio | 76.2649% | 60 |
| Memoranda: | ||
| Average total assets | $40,909,000,000 | 51 |
| Average earning assets | $39,343,250,000 | 48 |
| Average equity | $9,459,500,000 | 34 |
| Average total loans | $10,442,000,000 | 105 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7487% | 5,251 |
| Cost of funding earning assets | 0.5811% | 3,750 |
| Net interest margin | 2.1676% | 5,217 |
| Noninterest income to average assets | 2.4513% | 203 |
| Noninterest expense to average assets | 2.0622% | 4,483 |
| Loan and lease loss provision to assets | 0.0097% | 3,553 |
| Net operating income to assets | 1.7179% | 701 |
| Return on assets (ROA) | 1.7217% | 725 |
| Pretax return on assets | 2.4707% | 253 |
| Return on Equity (ROE) | 7.4987% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.4987% | 1,597 |
| Net charge-offs to loans | 0.0193% | 2,482 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 509.0000% | 148 |
| Efficiency ratio | 44.9089% | 5,031 |
| Assets per employee ($millions) | 76.6155% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0842% | 5,236 |
| Loan loss allowance to noncurrent loans | 14.2857% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,682 |
| Noncurrent loans to loans | 0.5897% | 2,502 |
| Net loans and leases to total assets | 25.1478% | 5,164 |
| Net loans and leases to deposits | 36.5636% | 5,099 |
| Net loans and leases to core deposits | 36.7866% | 5,116 |
| Total domestic deposits to total assets | 68.7784% | 5,083 |
| Equity capital to assets | 22.9473% | 161 |
| Core capital (leverage) ratio | 24.2941% | 127 |
| Tier 1 risk-based capital ratio | 80.6776% | 55 |
| Total risk-based capital ratio | 80.7606% | 55 |
| Memoranda: | ||
| Average total assets | $41,121,333,330 | 51 |
| Average earning assets | $39,582,333,330 | 47 |
| Average equity | $9,441,666,670 | 34 |
| Average total loans | $10,336,666,670 | 107 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6498% | 5,325 |
| Cost of funding earning assets | 0.5135% | 4,002 |
| Net interest margin | 2.1362% | 5,295 |
| Noninterest income to average assets | 2.2343% | 210 |
| Noninterest expense to average assets | 1.9872% | 4,669 |
| Loan and lease loss provision to assets | 0.0099% | 3,306 |
| Net operating income to assets | 1.6906% | 743 |
| Return on assets (ROA) | 1.6906% | 769 |
| Pretax return on assets | 2.2937% | 363 |
| Return on Equity (ROE) | 7.3608% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.3608% | 1,899 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6221% | 5,043 |
| Assets per employee ($millions) | 77.5799% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0890% | 5,302 |
| Loan loss allowance to noncurrent loans | 12.5000% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 3,944 |
| Noncurrent loans to loans | 0.7122% | 2,245 |
| Net loans and leases to total assets | 24.1986% | 5,235 |
| Net loans and leases to deposits | 35.3122% | 5,159 |
| Net loans and leases to core deposits | 35.5221% | 5,176 |
| Total domestic deposits to total assets | 68.5275% | 5,158 |
| Equity capital to assets | 22.5238% | 159 |
| Core capital (leverage) ratio | 25.7684% | 104 |
| Tier 1 risk-based capital ratio | 87.9770% | 49 |
| Total risk-based capital ratio | 88.0707% | 49 |
| Memoranda: | ||
| Average total assets | $40,459,500,000 | 51 |
| Average earning assets | $38,947,000,000 | 48 |
| Average equity | $9,292,500,000 | 35 |
| Average total loans | $10,163,500,000 | 110 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2753% | 5,356 |
| Cost of funding earning assets | 0.4536% | 3,658 |
| Net interest margin | 1.8217% | 5,353 |
| Noninterest income to average assets | 1.9258% | 285 |
| Noninterest expense to average assets | 2.1268% | 4,505 |
| Loan and lease loss provision to assets | 0.0167% | 3,823 |
| Net operating income to assets | 1.1698% | 2,314 |
| Return on assets (ROA) | 1.1698% | 2,305 |
| Pretax return on assets | 1.5406% | 1,652 |
| Return on Equity (ROE) | 5.3530% | 4,367 |
| Retained earnings to average equity (ytd only) | 1.3684% | 4,587 |
| Net charge-offs to loans | 0.0424% | 2,565 |
| Credit loss provision to net charge-offs | 175.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 162.7500% | 530 |
| Efficiency ratio | 56.9481% | 4,289 |
| Assets per employee ($millions) | 74.6305% | 19 |
| Cash dividends to net income (ytd only)* | 74.4376% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0783% | 5,348 |
| Loan loss allowance to noncurrent loans | 12.1212% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 3,960 |
| Noncurrent loans to loans | 0.6459% | 2,375 |
| Net loans and leases to total assets | 26.0585% | 5,256 |
| Net loans and leases to deposits | 37.3309% | 5,170 |
| Net loans and leases to core deposits | 37.5810% | 5,202 |
| Total domestic deposits to total assets | 69.8042% | 5,160 |
| Equity capital to assets | 23.4399% | 137 |
| Core capital (leverage) ratio | 23.0427% | 142 |
| Tier 1 risk-based capital ratio | 88.2535% | 47 |
| Total risk-based capital ratio | 88.3401% | 47 |
| Memoranda: | ||
| Average total assets | $41,800,600,000 | 48 |
| Average earning assets | $40,346,800,000 | 46 |
| Average equity | $9,135,000,000 | 35 |
| Average total loans | $9,434,600,000 | 108 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1177% | 5,434 |
| Cost of funding earning assets | 0.3963% | 3,887 |
| Net interest margin | 1.7215% | 5,431 |
| Noninterest income to average assets | 1.6676% | 359 |
| Noninterest expense to average assets | 1.8749% | 4,945 |
| Loan and lease loss provision to assets | 0.0094% | 3,801 |
| Net operating income to assets | 1.0992% | 2,672 |
| Return on assets (ROA) | 1.0992% | 2,692 |
| Pretax return on assets | 1.4478% | 2,068 |
| Return on Equity (ROE) | 5.1153% | 4,520 |
| Retained earnings to average equity (ytd only) | -0.2046% | 5,061 |
| Net charge-offs to loans | 0.0289% | 2,522 |
| Credit loss provision to net charge-offs | 150.0000% | 1,705 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 395 |
| Efficiency ratio | 55.3252% | 4,469 |
| Assets per employee ($millions) | 77.0810% | 19 |
| Cash dividends to net income (ytd only)* | 104.0000% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0656% | 5,425 |
| Loan loss allowance to noncurrent loans | 10.0000% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 4,200 |
| Noncurrent loans to loans | 0.6555% | 2,441 |
| Net loans and leases to total assets | 22.3479% | 5,366 |
| Net loans and leases to deposits | 33.5682% | 5,309 |
| Net loans and leases to core deposits | 33.8052% | 5,321 |
| Total domestic deposits to total assets | 66.5746% | 5,313 |
| Equity capital to assets | 22.0938% | 163 |
| Core capital (leverage) ratio | 23.1678% | 136 |
| Tier 1 risk-based capital ratio | 93.8070% | 45 |
| Total risk-based capital ratio | 93.8798% | 45 |
| Memoranda: | ||
| Average total assets | $42,455,500,000 | 48 |
| Average earning assets | $41,049,500,000 | 46 |
| Average equity | $9,122,750,000 | 35 |
| Average total loans | $9,238,750,000 | 109 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0038% | 5,504 |
| Cost of funding earning assets | 0.3652% | 3,976 |
| Net interest margin | 1.6386% | 5,505 |
| Noninterest income to average assets | 1.6619% | 365 |
| Noninterest expense to average assets | 1.8294% | 5,064 |
| Loan and lease loss provision to assets | 0.0186% | 3,525 |
| Net operating income to assets | 1.0614% | 2,749 |
| Return on assets (ROA) | 1.0614% | 2,748 |
| Pretax return on assets | 1.4012% | 2,141 |
| Return on Equity (ROE) | 4.9840% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.9840% | 3,083 |
| Net charge-offs to loans | 0.0432% | 2,001 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 152.5000% | 517 |
| Efficiency ratio | 55.3009% | 4,557 |
| Assets per employee ($millions) | 85.2574% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0767% | 5,480 |
| Loan loss allowance to noncurrent loans | 10.7692% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 4,231 |
| Noncurrent loans to loans | 0.7123% | 2,327 |
| Net loans and leases to total assets | 21.0112% | 5,438 |
| Net loans and leases to deposits | 28.6721% | 5,410 |
| Net loans and leases to core deposits | 28.8362% | 5,412 |
| Total domestic deposits to total assets | 73.2809% | 5,100 |
| Equity capital to assets | 21.3822% | 178 |
| Core capital (leverage) ratio | 22.8675% | 138 |
| Tier 1 risk-based capital ratio | 102.5141% | 42 |
| Total risk-based capital ratio | 102.6027% | 42 |
| Memoranda: | ||
| Average total assets | $42,964,000,000 | 48 |
| Average earning assets | $41,621,333,330 | 46 |
| Average equity | $9,149,333,330 | 35 |
| Average total loans | $9,267,333,330 | 108 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8491% | 5,573 |
| Cost of funding earning assets | 0.3098% | 4,265 |
| Net interest margin | 1.5393% | 5,579 |
| Noninterest income to average assets | 1.3381% | 523 |
| Noninterest expense to average assets | 1.9182% | 4,997 |
| Loan and lease loss provision to assets | 0.0094% | 3,396 |
| Net operating income to assets | 0.7111% | 4,061 |
| Return on assets (ROA) | 0.7111% | 4,070 |
| Pretax return on assets | 0.8983% | 3,855 |
| Return on Equity (ROE) | 3.3440% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.3440% | 3,873 |
| Net charge-offs to loans | 0.0857% | 1,295 |
| Credit loss provision to net charge-offs | 50.0000% | 1,944 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 963 |
| Efficiency ratio | 66.5563% | 3,071 |
| Assets per employee ($millions) | 80.9731% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0429% | 5,550 |
| Loan loss allowance to noncurrent loans | 7.5472% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 4,452 |
| Noncurrent loans to loans | 0.5689% | 2,837 |
| Net loans and leases to total assets | 22.1156% | 5,492 |
| Net loans and leases to deposits | 31.1918% | 5,432 |
| Net loans and leases to core deposits | 31.3620% | 5,441 |
| Total domestic deposits to total assets | 70.9020% | 5,335 |
| Equity capital to assets | 21.6691% | 164 |
| Core capital (leverage) ratio | 21.6869% | 161 |
| Tier 1 risk-based capital ratio | 98.1518% | 43 |
| Total risk-based capital ratio | 98.2057% | 43 |
| Memoranda: | ||
| Average total assets | $42,748,000,000 | 49 |
| Average earning assets | $41,316,500,000 | 46 |
| Average equity | $9,091,000,000 | 34 |
| Average total loans | $9,338,500,000 | 108 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4835% | 5,631 |
| Cost of funding earning assets | 0.1192% | 5,419 |
| Net interest margin | 1.3643% | 5,624 |
| Noninterest income to average assets | 1.7672% | 357 |
| Noninterest expense to average assets | 2.0178% | 4,931 |
| Loan and lease loss provision to assets | -0.0193% | 5,330 |
| Net operating income to assets | 0.3749% | 4,767 |
| Return on assets (ROA) | 0.3749% | 4,783 |
| Pretax return on assets | 1.0925% | 3,220 |
| Return on Equity (ROE) | 1.9231% | 5,073 |
| Retained earnings to average equity (ytd only) | -1.2637% | 5,208 |
| Net charge-offs to loans | 0.1160% | 1,886 |
| Credit loss provision to net charge-offs | -75.0000% | 4,681 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 1,224 |
| Efficiency ratio | 63.6868% | 3,647 |
| Assets per employee ($millions) | 77.6208% | 19 |
| Cash dividends to net income (ytd only)* | 165.7143% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0534% | 5,612 |
| Loan loss allowance to noncurrent loans | 9.4340% | 5,051 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 4,517 |
| Noncurrent loans to loans | 0.5662% | 2,804 |
| Net loans and leases to total assets | 21.5626% | 5,563 |
| Net loans and leases to deposits | 29.5898% | 5,523 |
| Net loans and leases to core deposits | 29.7658% | 5,534 |
| Total domestic deposits to total assets | 72.8716% | 5,268 |
| Equity capital to assets | 20.8758% | 182 |
| Core capital (leverage) ratio | 22.0676% | 139 |
| Tier 1 risk-based capital ratio | 92.2398% | 48 |
| Total risk-based capital ratio | 92.3011% | 48 |
| Memoranda: | ||
| Average total assets | $46,683,800,000 | 44 |
| Average earning assets | $45,297,400,000 | 42 |
| Average equity | $9,100,000,000 | 33 |
| Average total loans | $10,341,600,000 | 96 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4323% | 5,705 |
| Cost of funding earning assets | 0.0924% | 5,584 |
| Net interest margin | 1.3399% | 5,699 |
| Noninterest income to average assets | 1.7681% | 375 |
| Noninterest expense to average assets | 2.0824% | 4,771 |
| Loan and lease loss provision to assets | -0.0253% | 5,489 |
| Net operating income to assets | 0.5192% | 4,681 |
| Return on assets (ROA) | 0.5192% | 4,708 |
| Pretax return on assets | 1.0132% | 3,634 |
| Return on Equity (ROE) | 2.7074% | 5,172 |
| Retained earnings to average equity (ytd only) | -1.5367% | 5,395 |
| Net charge-offs to loans | -0.0126% | 4,701 |
| Credit loss provision to net charge-offs | 900.0000% | 383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3620% | 3,155 |
| Assets per employee ($millions) | 73.9334% | 20 |
| Cash dividends to net income (ytd only)* | 156.7568% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1847% | 5,655 |
| Loan loss allowance to noncurrent loans | 34.6154% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 4,644 |
| Noncurrent loans to loans | 0.5336% | 3,101 |
| Net loans and leases to total assets | 22.4535% | 5,618 |
| Net loans and leases to deposits | 30.3185% | 5,581 |
| Net loans and leases to core deposits | 30.4676% | 5,593 |
| Total domestic deposits to total assets | 74.0589% | 5,230 |
| Equity capital to assets | 20.6878% | 199 |
| Core capital (leverage) ratio | 22.5970% | 135 |
| Tier 1 risk-based capital ratio | 92.0564% | 47 |
| Total risk-based capital ratio | 92.2519% | 47 |
| Memoranda: | ||
| Average total assets | $47,507,250,000 | 42 |
| Average earning assets | $46,171,500,000 | 41 |
| Average equity | $9,110,500,000 | 33 |
| Average total loans | $10,586,750,000 | 93 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3771% | 5,757 |
| Cost of funding earning assets | 0.0926% | 5,622 |
| Net interest margin | 1.2844% | 5,751 |
| Noninterest income to average assets | 1.7341% | 387 |
| Noninterest expense to average assets | 1.7300% | 5,385 |
| Loan and lease loss provision to assets | -0.0491% | 5,602 |
| Net operating income to assets | 0.8016% | 3,395 |
| Return on assets (ROA) | 0.8016% | 3,454 |
| Pretax return on assets | 1.3006% | 2,382 |
| Return on Equity (ROE) | 4.2796% | 4,738 |
| Retained earnings to average equity (ytd only) | 4.2796% | 3,160 |
| Net charge-offs to loans | -0.0184% | 4,754 |
| Credit loss provision to net charge-offs | 1,200.0000% | 333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5158% | 4,762 |
| Assets per employee ($millions) | 75.5470% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1452% | 5,713 |
| Loan loss allowance to noncurrent loans | 28.3019% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 4,711 |
| Noncurrent loans to loans | 0.5129% | 3,218 |
| Net loans and leases to total assets | 23.3488% | 5,658 |
| Net loans and leases to deposits | 31.6204% | 5,608 |
| Net loans and leases to core deposits | 31.7968% | 5,625 |
| Total domestic deposits to total assets | 73.8409% | 5,307 |
| Equity capital to assets | 20.9594% | 184 |
| Core capital (leverage) ratio | 19.2261% | 231 |
| Tier 1 risk-based capital ratio | 91.1907% | 44 |
| Total risk-based capital ratio | 91.3585% | 44 |
| Memoranda: | ||
| Average total assets | $48,901,333,330 | 42 |
| Average earning assets | $47,492,000,000 | 41 |
| Average equity | $9,159,666,670 | 33 |
| Average total loans | $10,867,000,000 | 87 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2014% | 5,835 |
| Cost of funding earning assets | 0.0887% | 5,693 |
| Net interest margin | 1.1127% | 5,830 |
| Noninterest income to average assets | 1.6540% | 413 |
| Noninterest expense to average assets | 1.7086% | 5,467 |
| Loan and lease loss provision to assets | -0.0390% | 5,700 |
| Net operating income to assets | 0.6553% | 3,911 |
| Return on assets (ROA) | 0.6553% | 3,948 |
| Pretax return on assets | 1.0610% | 3,127 |
| Return on Equity (ROE) | 3.6889% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.6889% | 3,597 |
| Net charge-offs to loans | 0.0719% | 1,610 |
| Credit loss provision to net charge-offs | -250.0000% | 4,074 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 754 |
| Efficiency ratio | 61.1429% | 4,297 |
| Assets per employee ($millions) | 79.2325% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1742% | 5,780 |
| Loan loss allowance to noncurrent loans | 25.0000% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 4,552 |
| Noncurrent loans to loans | 0.6969% | 2,757 |
| Net loans and leases to total assets | 22.3424% | 5,723 |
| Net loans and leases to deposits | 29.3189% | 5,687 |
| Net loans and leases to core deposits | 29.4498% | 5,697 |
| Total domestic deposits to total assets | 76.2046% | 5,213 |
| Equity capital to assets | 18.7777% | 263 |
| Core capital (leverage) ratio | 18.2245% | 275 |
| Tier 1 risk-based capital ratio | 89.8953% | 44 |
| Total risk-based capital ratio | 90.1120% | 44 |
| Memoranda: | ||
| Average total assets | $51,271,000,000 | 41 |
| Average earning assets | $49,609,500,000 | 40 |
| Average equity | $9,108,500,000 | 33 |
| Average total loans | $11,133,500,000 | 86 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0985% | 5,881 |
| Cost of funding earning assets | 0.1179% | 5,620 |
| Net interest margin | 0.9806% | 5,881 |
| Noninterest income to average assets | 1.7633% | 401 |
| Noninterest expense to average assets | 1.7916% | 5,480 |
| Loan and lease loss provision to assets | 0.0245% | 3,869 |
| Net operating income to assets | 0.4992% | 4,640 |
| Return on assets (ROA) | 0.4992% | 4,714 |
| Pretax return on assets | 0.8873% | 3,887 |
| Return on Equity (ROE) | 2.9647% | 5,170 |
| Retained earnings to average equity (ytd only) | 2.9647% | 3,791 |
| Net charge-offs to loans | 0.1781% | 1,542 |
| Credit loss provision to net charge-offs | 46.4286% | 3,421 |
| Earnings coverage of net charge-offs (x) | 17.2857% | 2,057 |
| Efficiency ratio | 64.5993% | 3,833 |
| Assets per employee ($millions) | 78.5606% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2289% | 5,825 |
| Loan loss allowance to noncurrent loans | 24.7619% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 4,474 |
| Noncurrent loans to loans | 0.9242% | 2,249 |
| Net loans and leases to total assets | 21.0633% | 5,790 |
| Net loans and leases to deposits | 26.8354% | 5,772 |
| Net loans and leases to core deposits | 27.0435% | 5,782 |
| Total domestic deposits to total assets | 78.4907% | 4,893 |
| Equity capital to assets | 16.8488% | 403 |
| Core capital (leverage) ratio | 17.6025% | 307 |
| Tier 1 risk-based capital ratio | 81.2870% | 49 |
| Total risk-based capital ratio | 81.6284% | 49 |
| Memoranda: | ||
| Average total assets | $53,080,800,000 | 40 |
| Average earning assets | $50,889,600,000 | 39 |
| Average equity | $8,938,600,000 | 32 |
| Average total loans | $15,722,600,000 | 66 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1151% | 5,948 |
| Cost of funding earning assets | 0.1052% | 5,748 |
| Net interest margin | 1.0099% | 5,947 |
| Noninterest income to average assets | 1.8450% | 393 |
| Noninterest expense to average assets | 1.7795% | 5,537 |
| Loan and lease loss provision to assets | 0.0202% | 3,832 |
| Net operating income to assets | 0.5772% | 4,378 |
| Return on assets (ROA) | 0.5772% | 4,495 |
| Pretax return on assets | 1.0133% | 3,587 |
| Return on Equity (ROE) | 3.4281% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.4281% | 3,846 |
| Net charge-offs to loans | 0.1427% | 1,558 |
| Credit loss provision to net charge-offs | 44.4444% | 3,105 |
| Earnings coverage of net charge-offs (x) | 22.7778% | 1,737 |
| Efficiency ratio | 61.6487% | 4,287 |
| Assets per employee ($millions) | 77.9872% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2286% | 5,885 |
| Loan loss allowance to noncurrent loans | 27.1930% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 4,567 |
| Noncurrent loans to loans | 0.8407% | 2,579 |
| Net loans and leases to total assets | 24.7471% | 5,815 |
| Net loans and leases to deposits | 31.2585% | 5,799 |
| Net loans and leases to core deposits | 31.4073% | 5,812 |
| Total domestic deposits to total assets | 79.1692% | 4,684 |
| Equity capital to assets | 16.5249% | 482 |
| Core capital (leverage) ratio | 16.2838% | 437 |
| Tier 1 risk-based capital ratio | 62.7455% | 76 |
| Total risk-based capital ratio | 63.0169% | 78 |
| Memoranda: | ||
| Average total assets | $52,897,500,000 | 40 |
| Average earning assets | $50,697,500,000 | 39 |
| Average equity | $8,906,500,000 | 31 |
| Average total loans | $16,813,000,000 | 63 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1031% | 6,029 |
| Cost of funding earning assets | 0.1068% | 5,825 |
| Net interest margin | 0.9964% | 6,027 |
| Noninterest income to average assets | 1.8616% | 383 |
| Noninterest expense to average assets | 1.8654% | 5,509 |
| Loan and lease loss provision to assets | 0.0497% | 3,159 |
| Net operating income to assets | 0.5313% | 4,554 |
| Return on assets (ROA) | 0.5313% | 4,672 |
| Pretax return on assets | 0.9098% | 3,918 |
| Return on Equity (ROE) | 3.1365% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.1365% | 3,906 |
| Net charge-offs to loans | 0.1900% | 1,208 |
| Credit loss provision to net charge-offs | 76.4706% | 2,405 |
| Earnings coverage of net charge-offs (x) | 14.7647% | 2,043 |
| Efficiency ratio | 64.2760% | 3,969 |
| Assets per employee ($millions) | 77.3901% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2185% | 5,968 |
| Loan loss allowance to noncurrent loans | 23.7179% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 4,295 |
| Noncurrent loans to loans | 0.9213% | 2,433 |
| Net loans and leases to total assets | 31.7791% | 5,748 |
| Net loans and leases to deposits | 40.8096% | 5,662 |
| Net loans and leases to core deposits | 44.0172% | 5,628 |
| Total domestic deposits to total assets | 77.8716% | 5,026 |
| Equity capital to assets | 16.8055% | 451 |
| Core capital (leverage) ratio | 18.6360% | 250 |
| Tier 1 risk-based capital ratio | 47.8397% | 153 |
| Total risk-based capital ratio | 48.0809% | 158 |
| Memoranda: | ||
| Average total assets | $52,320,333,330 | 40 |
| Average earning assets | $50,583,333,330 | 40 |
| Average equity | $8,863,333,330 | 31 |
| Average total loans | $17,897,333,330 | 57 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1934% | 6,094 |
| Cost of funding earning assets | 0.0955% | 5,931 |
| Net interest margin | 1.0979% | 6,090 |
| Noninterest income to average assets | 1.9423% | 354 |
| Noninterest expense to average assets | 1.9731% | 5,394 |
| Loan and lease loss provision to assets | 0.0385% | 3,134 |
| Net operating income to assets | 0.5935% | 4,208 |
| Return on assets (ROA) | 0.5935% | 4,320 |
| Pretax return on assets | 0.9943% | 3,503 |
| Return on Equity (ROE) | 3.4891% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.4891% | 3,752 |
| Net charge-offs to loans | 0.4135% | 548 |
| Credit loss provision to net charge-offs | 26.3158% | 2,252 |
| Earnings coverage of net charge-offs (x) | 7.0526% | 2,180 |
| Efficiency ratio | 63.8462% | 4,149 |
| Assets per employee ($millions) | 74.4524% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1552% | 6,052 |
| Loan loss allowance to noncurrent loans | 19.7183% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2748% | 4,458 |
| Noncurrent loans to loans | 0.7872% | 2,868 |
| Net loans and leases to total assets | 34.8558% | 5,683 |
| Net loans and leases to deposits | 46.0143% | 5,501 |
| Net loans and leases to core deposits | 49.7157% | 5,452 |
| Total domestic deposits to total assets | 75.7500% | 5,438 |
| Equity capital to assets | 17.1570% | 407 |
| Core capital (leverage) ratio | 18.4835% | 260 |
| Tier 1 risk-based capital ratio | 43.0952% | 200 |
| Total risk-based capital ratio | 43.2609% | 205 |
| Memoranda: | ||
| Average total assets | $51,897,000,000 | 41 |
| Average earning assets | $50,276,500,000 | 40 |
| Average equity | $8,827,500,000 | 31 |
| Average total loans | $18,379,500,000 | 55 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9065% | 6,147 |
| Cost of funding earning assets | 0.0798% | 6,038 |
| Net interest margin | 0.8267% | 6,147 |
| Noninterest income to average assets | 1.9442% | 374 |
| Noninterest expense to average assets | 1.8040% | 5,728 |
| Loan and lease loss provision to assets | 0.0131% | 4,151 |
| Net operating income to assets | 0.4674% | 4,822 |
| Return on assets (ROA) | 0.4674% | 4,901 |
| Pretax return on assets | 0.9403% | 3,692 |
| Return on Equity (ROE) | 2.8541% | 5,351 |
| Retained earnings to average equity (ytd only) | 0.9247% | 5,149 |
| Net charge-offs to loans | -0.0345% | 5,447 |
| Credit loss provision to net charge-offs | -116.6667% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8475% | 4,468 |
| Assets per employee ($millions) | 70.7246% | 22 |
| Cash dividends to net income (ytd only)* | 67.6000% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2083% | 6,087 |
| Loan loss allowance to noncurrent loans | 28.4672% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 4,535 |
| Noncurrent loans to loans | 0.7318% | 2,992 |
| Net loans and leases to total assets | 35.8415% | 5,717 |
| Net loans and leases to deposits | 46.0988% | 5,556 |
| Net loans and leases to core deposits | 50.6040% | 5,471 |
| Total domestic deposits to total assets | 77.7492% | 5,213 |
| Equity capital to assets | 16.8636% | 428 |
| Core capital (leverage) ratio | 16.5224% | 416 |
| Tier 1 risk-based capital ratio | 42.4749% | 195 |
| Total risk-based capital ratio | 42.6974% | 208 |
| Memoranda: | ||
| Average total assets | $53,492,600,000 | 38 |
| Average earning assets | $52,621,200,000 | 36 |
| Average equity | $8,759,200,000 | 30 |
| Average total loans | $17,368,500,000 | 56 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8815% | 6,243 |
| Cost of funding earning assets | 0.0781% | 6,128 |
| Net interest margin | 0.8035% | 6,241 |
| Noninterest income to average assets | 1.9070% | 385 |
| Noninterest expense to average assets | 1.8080% | 5,764 |
| Loan and lease loss provision to assets | -0.0124% | 5,824 |
| Net operating income to assets | 0.4062% | 5,146 |
| Return on assets (ROA) | 0.4062% | 5,236 |
| Pretax return on assets | 0.9015% | 3,978 |
| Return on Equity (ROE) | 2.4986% | 5,555 |
| Retained earnings to average equity (ytd only) | -0.0762% | 5,610 |
| Net charge-offs to loans | -0.0470% | 5,526 |
| Credit loss provision to net charge-offs | 83.3333% | 2,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5546% | 4,148 |
| Assets per employee ($millions) | 73.6759% | 21 |
| Cash dividends to net income (ytd only)* | 103.0488% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1491% | 6,190 |
| Loan loss allowance to noncurrent loans | 28.1250% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 5,037 |
| Noncurrent loans to loans | 0.5302% | 3,752 |
| Net loans and leases to total assets | 33.8444% | 5,863 |
| Net loans and leases to deposits | 42.7437% | 5,771 |
| Net loans and leases to core deposits | 44.0841% | 5,792 |
| Total domestic deposits to total assets | 79.1800% | 4,935 |
| Equity capital to assets | 16.3044% | 522 |
| Core capital (leverage) ratio | 16.5578% | 423 |
| Tier 1 risk-based capital ratio | 42.8953% | 209 |
| Total risk-based capital ratio | 43.0680% | 226 |
| Memoranda: | ||
| Average total assets | $53,834,750,000 | 36 |
| Average earning assets | $52,937,000,000 | 35 |
| Average equity | $8,751,500,000 | 30 |
| Average total loans | $17,030,375,000 | 57 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8672% | 6,321 |
| Cost of funding earning assets | 0.0754% | 6,208 |
| Net interest margin | 0.7918% | 6,319 |
| Noninterest income to average assets | 1.8859% | 402 |
| Noninterest expense to average assets | 1.7562% | 5,914 |
| Loan and lease loss provision to assets | -0.0371% | 6,009 |
| Net operating income to assets | 0.3853% | 5,183 |
| Return on assets (ROA) | 0.3853% | 5,294 |
| Pretax return on assets | 0.9448% | 3,789 |
| Return on Equity (ROE) | 2.3681% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.3681% | 4,551 |
| Net charge-offs to loans | -0.0720% | 5,674 |
| Credit loss provision to net charge-offs | 166.6667% | 1,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5605% | 4,418 |
| Assets per employee ($millions) | 79.7201% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1252% | 6,268 |
| Loan loss allowance to noncurrent loans | 29.3333% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 5,308 |
| Noncurrent loans to loans | 0.4268% | 4,199 |
| Net loans and leases to total assets | 32.0948% | 5,972 |
| Net loans and leases to deposits | 41.1218% | 5,873 |
| Net loans and leases to core deposits | 42.5854% | 5,881 |
| Total domestic deposits to total assets | 78.0482% | 5,276 |
| Equity capital to assets | 16.1169% | 516 |
| Core capital (leverage) ratio | 16.0995% | 453 |
| Tier 1 risk-based capital ratio | 43.8382% | 208 |
| Total risk-based capital ratio | 43.9926% | 221 |
| Memoranda: | ||
| Average total assets | $53,980,666,670 | 36 |
| Average earning assets | $53,044,333,330 | 35 |
| Average equity | $8,783,333,330 | 30 |
| Average total loans | $16,672,166,670 | 57 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8544% | 6,395 |
| Cost of funding earning assets | 0.0683% | 6,301 |
| Net interest margin | 0.7860% | 6,394 |
| Noninterest income to average assets | 1.6559% | 464 |
| Noninterest expense to average assets | 1.6260% | 6,089 |
| Loan and lease loss provision to assets | -0.0597% | 6,176 |
| Net operating income to assets | 0.4997% | 4,687 |
| Return on assets (ROA) | 0.4997% | 4,809 |
| Pretax return on assets | 0.8615% | 4,017 |
| Return on Equity (ROE) | 3.0566% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.0566% | 4,144 |
| Net charge-offs to loans | -0.1480% | 5,976 |
| Credit loss provision to net charge-offs | 133.3333% | 1,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2089% | 4,444 |
| Assets per employee ($millions) | 78.2901% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1432% | 6,337 |
| Loan loss allowance to noncurrent loans | 45.2830% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 5,554 |
| Noncurrent loans to loans | 0.3162% | 4,659 |
| Net loans and leases to total assets | 31.1607% | 6,028 |
| Net loans and leases to deposits | 39.9101% | 5,915 |
| Net loans and leases to core deposits | 41.0874% | 5,936 |
| Total domestic deposits to total assets | 78.0773% | 5,437 |
| Equity capital to assets | 16.3368% | 502 |
| Core capital (leverage) ratio | 15.6870% | 507 |
| Tier 1 risk-based capital ratio | 44.1581% | 208 |
| Total risk-based capital ratio | 44.3296% | 215 |
| Memoranda: | ||
| Average total assets | $53,627,000,000 | 36 |
| Average earning assets | $52,671,500,000 | 35 |
| Average equity | $8,768,000,000 | 30 |
| Average total loans | $16,221,250,000 | 58 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8771% | 6,475 |
| Cost of funding earning assets | 0.0619% | 6,416 |
| Net interest margin | 0.8152% | 6,475 |
| Noninterest income to average assets | 1.8506% | 386 |
| Noninterest expense to average assets | 1.6344% | 6,214 |
| Loan and lease loss provision to assets | -0.0432% | 6,010 |
| Net operating income to assets | 0.5344% | 4,665 |
| Return on assets (ROA) | 0.5344% | 4,746 |
| Pretax return on assets | 1.0568% | 3,271 |
| Return on Equity (ROE) | 3.4514% | 5,307 |
| Retained earnings to average equity (ytd only) | -3.5631% | 6,121 |
| Net charge-offs to loans | 0.0219% | 4,404 |
| Credit loss provision to net charge-offs | -625.0000% | 5,830 |
| Earnings coverage of net charge-offs (x) | 146.5000% | 372 |
| Efficiency ratio | 58.8831% | 5,359 |
| Assets per employee ($millions) | 76.4957% | 18 |
| Cash dividends to net income (ytd only)* | 203.2362% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1658% | 6,422 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 5,639 |
| Noncurrent loans to loans | 0.3316% | 4,653 |
| Net loans and leases to total assets | 29.2397% | 6,198 |
| Net loans and leases to deposits | 38.1116% | 6,097 |
| Net loans and leases to core deposits | 38.9914% | 6,123 |
| Total domestic deposits to total assets | 76.7195% | 5,643 |
| Equity capital to assets | 16.3632% | 492 |
| Core capital (leverage) ratio | 16.7155% | 396 |
| Tier 1 risk-based capital ratio | 51.0173% | 131 |
| Total risk-based capital ratio | 51.2396% | 134 |
| Memoranda: | ||
| Average total assets | $57,818,000,000 | 36 |
| Average earning assets | $56,551,200,000 | 35 |
| Average equity | $8,952,800,000 | 29 |
| Average total loans | $18,274,800,000 | 48 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8708% | 6,561 |
| Cost of funding earning assets | 0.0602% | 6,504 |
| Net interest margin | 0.8106% | 6,560 |
| Noninterest income to average assets | 1.8159% | 402 |
| Noninterest expense to average assets | 1.5985% | 6,285 |
| Loan and lease loss provision to assets | -0.0475% | 6,184 |
| Net operating income to assets | 0.5117% | 4,830 |
| Return on assets (ROA) | 0.5117% | 4,896 |
| Pretax return on assets | 1.0574% | 3,353 |
| Return on Equity (ROE) | 3.3479% | 5,407 |
| Retained earnings to average equity (ytd only) | -5.9551% | 6,285 |
| Net charge-offs to loans | 0.0282% | 3,926 |
| Credit loss provision to net charge-offs | -525.0000% | 5,762 |
| Earnings coverage of net charge-offs (x) | 111.5000% | 537 |
| Efficiency ratio | 58.5938% | 5,365 |
| Assets per employee ($millions) | 79.1500% | 19 |
| Cash dividends to net income (ytd only)* | 277.8761% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1883% | 6,498 |
| Loan loss allowance to noncurrent loans | 32.9670% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 5,522 |
| Noncurrent loans to loans | 0.5713% | 4,207 |
| Net loans and leases to total assets | 28.6942% | 6,298 |
| Net loans and leases to deposits | 37.1249% | 6,211 |
| Net loans and leases to core deposits | 37.9192% | 6,237 |
| Total domestic deposits to total assets | 77.2891% | 5,627 |
| Equity capital to assets | 15.5004% | 639 |
| Core capital (leverage) ratio | 15.7960% | 509 |
| Tier 1 risk-based capital ratio | 49.4817% | 135 |
| Total risk-based capital ratio | 49.7307% | 140 |
| Memoranda: | ||
| Average total assets | $58,885,750,000 | 37 |
| Average earning assets | $57,570,750,000 | 35 |
| Average equity | $9,000,500,000 | 30 |
| Average total loans | $18,922,750,000 | 46 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8875% | 6,623 |
| Cost of funding earning assets | 0.0580% | 6,570 |
| Net interest margin | 0.8294% | 6,622 |
| Noninterest income to average assets | 1.8119% | 408 |
| Noninterest expense to average assets | 1.5988% | 6,359 |
| Loan and lease loss provision to assets | -0.0766% | 6,347 |
| Net operating income to assets | 0.6062% | 4,328 |
| Return on assets (ROA) | 0.6062% | 4,426 |
| Pretax return on assets | 1.0992% | 3,105 |
| Return on Equity (ROE) | 3.9834% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.9834% | 3,649 |
| Net charge-offs to loans | -0.0402% | 5,781 |
| Credit loss provision to net charge-offs | 575.0000% | 526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1957% | 5,531 |
| Assets per employee ($millions) | 96.7266% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1860% | 6,571 |
| Loan loss allowance to noncurrent loans | 18.4211% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 5,131 |
| Noncurrent loans to loans | 1.0097% | 3,217 |
| Net loans and leases to total assets | 29.3333% | 6,329 |
| Net loans and leases to deposits | 36.8244% | 6,272 |
| Net loans and leases to core deposits | 37.5112% | 6,291 |
| Total domestic deposits to total assets | 79.6558% | 5,315 |
| Equity capital to assets | 14.3426% | 861 |
| Core capital (leverage) ratio | 14.8023% | 636 |
| Tier 1 risk-based capital ratio | 44.5106% | 181 |
| Total risk-based capital ratio | 44.7542% | 189 |
| Memoranda: | ||
| Average total assets | $60,046,000,000 | 36 |
| Average earning assets | $58,594,333,330 | 35 |
| Average equity | $9,138,000,000 | 30 |
| Average total loans | $19,921,000,000 | 45 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9355% | 6,703 |
| Cost of funding earning assets | 0.0567% | 6,653 |
| Net interest margin | 0.8788% | 6,699 |
| Noninterest income to average assets | 1.7915% | 402 |
| Noninterest expense to average assets | 1.6123% | 6,423 |
| Loan and lease loss provision to assets | -0.1585% | 6,537 |
| Net operating income to assets | 0.6684% | 3,850 |
| Return on assets (ROA) | 0.6684% | 3,936 |
| Pretax return on assets | 1.1920% | 2,515 |
| Return on Equity (ROE) | 4.2567% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.2567% | 3,575 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8542% | 5,559 |
| Assets per employee ($millions) | 60.4640% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2091% | 6,640 |
| Loan loss allowance to noncurrent loans | 28.3871% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 5,363 |
| Noncurrent loans to loans | 0.7368% | 4,020 |
| Net loans and leases to total assets | 34.7215% | 6,139 |
| Net loans and leases to deposits | 43.9702% | 5,976 |
| Net loans and leases to core deposits | 52.6047% | 5,582 |
| Total domestic deposits to total assets | 67.9594% | 6,517 |
| Equity capital to assets | 15.1181% | 650 |
| Core capital (leverage) ratio | 16.8477% | 382 |
| Tier 1 risk-based capital ratio | 38.4141% | 265 |
| Total risk-based capital ratio | 38.6719% | 278 |
| Memoranda: | ||
| Average total assets | $58,052,500,000 | 36 |
| Average earning assets | $56,443,000,000 | 35 |
| Average equity | $9,115,000,000 | 29 |
| Average total loans | $20,472,500,000 | 42 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1662% | 6,766 |
| Cost of funding earning assets | 0.0784% | 6,711 |
| Net interest margin | 1.0878% | 6,757 |
| Noninterest income to average assets | 2.0648% | 375 |
| Noninterest expense to average assets | 1.9596% | 6,087 |
| Loan and lease loss provision to assets | 0.0339% | 4,440 |
| Net operating income to assets | 0.7168% | 3,708 |
| Return on assets (ROA) | 0.7168% | 3,798 |
| Pretax return on assets | 1.0609% | 3,108 |
| Return on Equity (ROE) | 4.5376% | 4,873 |
| Retained earnings to average equity (ytd only) | 4.5376% | 2,939 |
| Net charge-offs to loans | 0.1038% | 3,790 |
| Credit loss provision to net charge-offs | 86.3636% | 2,860 |
| Earnings coverage of net charge-offs (x) | 27.9091% | 1,254 |
| Efficiency ratio | 62.2884% | 5,161 |
| Assets per employee ($millions) | 81.9455% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2763% | 6,691 |
| Loan loss allowance to noncurrent loans | 32.5444% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 5,342 |
| Noncurrent loans to loans | 0.8489% | 3,856 |
| Net loans and leases to total assets | 35.6787% | 6,219 |
| Net loans and leases to deposits | 48.3429% | 5,878 |
| Net loans and leases to core deposits | 53.3426% | 5,714 |
| Total domestic deposits to total assets | 68.9240% | 6,556 |
| Equity capital to assets | 16.3351% | 476 |
| Core capital (leverage) ratio | 17.5525% | 328 |
| Tier 1 risk-based capital ratio | 36.6319% | 283 |
| Total risk-based capital ratio | 36.9316% | 299 |
| Memoranda: | ||
| Average total assets | $56,083,000,000 | 36 |
| Average earning assets | $51,020,600,000 | 36 |
| Average equity | $8,859,400,000 | 29 |
| Average total loans | $21,204,200,000 | 41 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2074% | 6,851 |
| Cost of funding earning assets | 0.0876% | 6,787 |
| Net interest margin | 1.1198% | 6,840 |
| Noninterest income to average assets | 2.1070% | 386 |
| Noninterest expense to average assets | 1.8910% | 6,198 |
| Loan and lease loss provision to assets | 0.0403% | 4,203 |
| Net operating income to assets | 0.6881% | 3,917 |
| Return on assets (ROA) | 0.6881% | 4,055 |
| Pretax return on assets | 1.1769% | 2,795 |
| Return on Equity (ROE) | 4.3928% | 5,029 |
| Retained earnings to average equity (ytd only) | 4.3928% | 3,548 |
| Net charge-offs to loans | 0.0434% | 4,291 |
| Credit loss provision to net charge-offs | 242.8571% | 1,017 |
| Earnings coverage of net charge-offs (x) | 73.2857% | 643 |
| Efficiency ratio | 59.0076% | 5,555 |
| Assets per employee ($millions) | 77.9810% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2999% | 6,770 |
| Loan loss allowance to noncurrent loans | 29.2373% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 5,093 |
| Noncurrent loans to loans | 1.0256% | 3,748 |
| Net loans and leases to total assets | 43.0098% | 5,817 |
| Net loans and leases to deposits | 61.5304% | 4,813 |
| Net loans and leases to core deposits | 77.5558% | 3,415 |
| Total domestic deposits to total assets | 57.8639% | 6,801 |
| Equity capital to assets | 16.7532% | 443 |
| Core capital (leverage) ratio | 17.2981% | 356 |
| Tier 1 risk-based capital ratio | 30.2956% | 503 |
| Total risk-based capital ratio | 30.6023% | 540 |
| Memoranda: | ||
| Average total assets | $56,193,500,000 | 35 |
| Average earning assets | $50,246,500,000 | 36 |
| Average equity | $8,802,000,000 | 29 |
| Average total loans | $21,528,500,000 | 41 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2278% | 6,899 |
| Cost of funding earning assets | 0.0941% | 6,827 |
| Net interest margin | 1.1336% | 6,888 |
| Noninterest income to average assets | 2.2119% | 386 |
| Noninterest expense to average assets | 1.7674% | 6,431 |
| Loan and lease loss provision to assets | 0.0665% | 3,702 |
| Net operating income to assets | 0.7420% | 3,610 |
| Return on assets (ROA) | 0.7420% | 3,760 |
| Pretax return on assets | 1.3894% | 1,974 |
| Return on Equity (ROE) | 4.8417% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.8417% | 3,154 |
| Net charge-offs to loans | 0.0666% | 3,758 |
| Credit loss provision to net charge-offs | 271.4286% | 933 |
| Earnings coverage of net charge-offs (x) | 59.4286% | 707 |
| Efficiency ratio | 53.0945% | 6,213 |
| Assets per employee ($millions) | 81.2369% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3372% | 6,798 |
| Loan loss allowance to noncurrent loans | 35.8586% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 5,413 |
| Noncurrent loans to loans | 0.9403% | 4,042 |
| Net loans and leases to total assets | 37.5499% | 6,205 |
| Net loans and leases to deposits | 52.1325% | 5,679 |
| Net loans and leases to core deposits | 72.0856% | 4,027 |
| Total domestic deposits to total assets | 54.1483% | 6,866 |
| Equity capital to assets | 15.8451% | 550 |
| Core capital (leverage) ratio | 17.7375% | 302 |
| Tier 1 risk-based capital ratio | 29.1100% | 569 |
| Total risk-based capital ratio | 29.4254% | 611 |
| Memoranda: | ||
| Average total assets | $57,145,000,000 | 35 |
| Average earning assets | $50,986,666,670 | 35 |
| Average equity | $8,757,333,330 | 29 |
| Average total loans | $21,034,666,670 | 41 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2109% | 6,981 |
| Cost of funding earning assets | 0.0703% | 6,952 |
| Net interest margin | 1.1406% | 6,971 |
| Noninterest income to average assets | 2.0564% | 416 |
| Noninterest expense to average assets | 1.7448% | 6,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7408% | 3,469 |
| Return on assets (ROA) | 0.7408% | 3,605 |
| Pretax return on assets | 1.3224% | 2,151 |
| Return on Equity (ROE) | 4.9150% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.9150% | 3,288 |
| Net charge-offs to loans | 0.0190% | 3,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 191.0000% | 210 |
| Efficiency ratio | 55.0790% | 6,147 |
| Assets per employee ($millions) | 82.5678% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2651% | 6,898 |
| Loan loss allowance to noncurrent loans | 35.5422% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2863% | 5,715 |
| Noncurrent loans to loans | 0.7459% | 4,637 |
| Net loans and leases to total assets | 37.5974% | 6,173 |
| Net loans and leases to deposits | 57.5622% | 5,087 |
| Net loans and leases to core deposits | 88.8551% | 1,821 |
| Total domestic deposits to total assets | 44.5796% | 6,960 |
| Equity capital to assets | 14.8384% | 797 |
| Core capital (leverage) ratio | 18.0707% | 280 |
| Tier 1 risk-based capital ratio | 27.1021% | 695 |
| Total risk-based capital ratio | 27.3649% | 761 |
| Memoranda: | ||
| Average total assets | $57,772,000,000 | 35 |
| Average earning assets | $51,200,000,000 | 35 |
| Average equity | $8,708,000,000 | 29 |
| Average total loans | $21,023,000,000 | 40 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5189% | 7,024 |
| Cost of funding earning assets | 0.0859% | 7,012 |
| Net interest margin | 1.4330% | 6,999 |
| Noninterest income to average assets | 2.2753% | 361 |
| Noninterest expense to average assets | 1.9271% | 6,458 |
| Loan and lease loss provision to assets | 0.0140% | 5,732 |
| Net operating income to assets | 0.5449% | 4,502 |
| Return on assets (ROA) | 0.5483% | 4,741 |
| Pretax return on assets | 1.5709% | 1,459 |
| Return on Equity (ROE) | 3.2362% | 5,456 |
| Retained earnings to average equity (ytd only) | 3.2362% | 3,943 |
| Net charge-offs to loans | 0.1993% | 3,781 |
| Credit loss provision to net charge-offs | 18.4211% | 5,305 |
| Earnings coverage of net charge-offs (x) | 20.8158% | 1,334 |
| Efficiency ratio | 52.9076% | 6,381 |
| Assets per employee ($millions) | 68.8283% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2981% | 6,942 |
| Loan loss allowance to noncurrent loans | 34.7059% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 0.3309% | 5,677 |
| Noncurrent loans to loans | 0.8590% | 4,464 |
| Net loans and leases to total assets | 34.9189% | 6,496 |
| Net loans and leases to deposits | 49.4128% | 6,001 |
| Net loans and leases to core deposits | 74.8502% | 3,675 |
| Total domestic deposits to total assets | 48.8214% | 7,018 |
| Equity capital to assets | 15.3182% | 677 |
| Core capital (leverage) ratio | 18.0619% | 279 |
| Tier 1 risk-based capital ratio | 28.1421% | 615 |
| Total risk-based capital ratio | 28.4147% | 663 |
| Memoranda: | ||
| Average total assets | $49,972,400,000 | 36 |
| Average earning assets | $43,056,400,000 | 36 |
| Average equity | $8,466,800,000 | 29 |
| Average total loans | $19,067,800,000 | 43 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5032% | 7,136 |
| Cost of funding earning assets | 0.0935% | 7,118 |
| Net interest margin | 1.4097% | 7,117 |
| Noninterest income to average assets | 2.3831% | 325 |
| Noninterest expense to average assets | 1.9997% | 6,354 |
| Loan and lease loss provision to assets | 0.0028% | 5,767 |
| Net operating income to assets | 0.3475% | 5,445 |
| Return on assets (ROA) | 0.3586% | 5,611 |
| Pretax return on assets | 1.5970% | 1,584 |
| Return on Equity (ROE) | 2.0587% | 6,006 |
| Retained earnings to average equity (ytd only) | 2.0587% | 5,292 |
| Net charge-offs to loans | 0.1412% | 3,988 |
| Credit loss provision to net charge-offs | 5.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 1,131 |
| Efficiency ratio | 53.6510% | 6,290 |
| Assets per employee ($millions) | 64.3368% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3748% | 7,027 |
| Loan loss allowance to noncurrent loans | 32.4444% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 5,593 |
| Noncurrent loans to loans | 1.1551% | 4,130 |
| Net loans and leases to total assets | 35.1533% | 6,604 |
| Net loans and leases to deposits | 51.7246% | 5,994 |
| Net loans and leases to core deposits | 74.9749% | 3,854 |
| Total domestic deposits to total assets | 49.1241% | 7,114 |
| Equity capital to assets | 15.4037% | 726 |
| Core capital (leverage) ratio | 18.9240% | 250 |
| Tier 1 risk-based capital ratio | 27.7397% | 683 |
| Total risk-based capital ratio | 28.0672% | 740 |
| Memoranda: | ||
| Average total assets | $48,338,500,000 | 37 |
| Average earning assets | $41,332,250,000 | 39 |
| Average equity | $8,419,500,000 | 30 |
| Average total loans | $18,887,000,000 | 44 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5942% | 7,198 |
| Cost of funding earning assets | 0.0977% | 7,181 |
| Net interest margin | 1.4965% | 7,178 |
| Noninterest income to average assets | 2.3756% | 318 |
| Noninterest expense to average assets | 2.1194% | 6,197 |
| Loan and lease loss provision to assets | -0.0347% | 7,056 |
| Net operating income to assets | 0.0261% | 6,290 |
| Return on assets (ROA) | 0.0304% | 6,425 |
| Pretax return on assets | 1.5591% | 1,671 |
| Return on Equity (ROE) | 0.1668% | 6,436 |
| Retained earnings to average equity (ytd only) | 0.1668% | 5,988 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9666% | 6,119 |
| Assets per employee ($millions) | 54.9988% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4213% | 7,069 |
| Loan loss allowance to noncurrent loans | 28.6689% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 0.6577% | 5,133 |
| Noncurrent loans to loans | 1.4696% | 3,705 |
| Net loans and leases to total assets | 42.1203% | 6,177 |
| Net loans and leases to deposits | 63.2483% | 4,853 |
| Net loans and leases to core deposits | 89.9017% | 1,998 |
| Total domestic deposits to total assets | 49.3232% | 7,184 |
| Equity capital to assets | 17.7642% | 362 |
| Core capital (leverage) ratio | 20.4762% | 186 |
| Tier 1 risk-based capital ratio | 28.6282% | 600 |
| Total risk-based capital ratio | 28.9992% | 646 |
| Memoranda: | ||
| Average total assets | $46,051,000,000 | 38 |
| Average earning assets | $38,891,666,670 | 39 |
| Average equity | $8,391,666,670 | 30 |
| Average total loans | $18,690,000,000 | 44 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6356% | 7,258 |
| Cost of funding earning assets | 0.0938% | 7,256 |
| Net interest margin | 1.5418% | 7,233 |
| Noninterest income to average assets | 2.0655% | 387 |
| Noninterest expense to average assets | 2.3556% | 5,611 |
| Loan and lease loss provision to assets | -0.0176% | 7,114 |
| Net operating income to assets | 0.6065% | 4,315 |
| Return on assets (ROA) | 0.6065% | 4,527 |
| Pretax return on assets | 1.0284% | 3,579 |
| Return on Equity (ROE) | 3.2853% | 5,599 |
| Retained earnings to average equity (ytd only) | 3.2853% | 4,598 |
| Net charge-offs to loans | 0.0221% | 4,375 |
| Credit loss provision to net charge-offs | -200.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 306 |
| Efficiency ratio | 67.3629% | 4,293 |
| Assets per employee ($millions) | 45.5303% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4843% | 7,076 |
| Loan loss allowance to noncurrent loans | 34.4828% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 0.6878% | 5,179 |
| Noncurrent loans to loans | 1.4044% | 4,006 |
| Net loans and leases to total assets | 46.4218% | 5,738 |
| Net loans and leases to deposits | 74.0382% | 3,122 |
| Net loans and leases to core deposits | 99.9784% | 989 |
| Total domestic deposits to total assets | 46.7959% | 7,248 |
| Equity capital to assets | 21.1803% | 172 |
| Core capital (leverage) ratio | 19.8505% | 212 |
| Tier 1 risk-based capital ratio | 29.5787% | 545 |
| Total risk-based capital ratio | 29.9910% | 575 |
| Memoranda: | ||
| Average total assets | $45,509,500,000 | 38 |
| Average earning assets | $38,395,500,000 | 39 |
| Average equity | $8,401,000,000 | 30 |
| Average total loans | $18,066,500,000 | 44 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3940% | 7,316 |
| Cost of funding earning assets | 0.0882% | 7,312 |
| Net interest margin | 1.3058% | 7,302 |
| Noninterest income to average assets | 2.4827% | 272 |
| Noninterest expense to average assets | 2.0079% | 6,659 |
| Loan and lease loss provision to assets | 0.0447% | 6,021 |
| Net operating income to assets | 1.2773% | 1,299 |
| Return on assets (ROA) | 1.3819% | 1,150 |
| Pretax return on assets | 1.6587% | 1,083 |
| Return on Equity (ROE) | 7.0608% | 3,381 |
| Retained earnings to average equity (ytd only) | 6.9302% | 1,534 |
| Net charge-offs to loans | 0.4132% | 3,357 |
| Credit loss provision to net charge-offs | 33.8710% | 5,729 |
| Earnings coverage of net charge-offs (x) | 11.9516% | 1,668 |
| Efficiency ratio | 53.5629% | 6,556 |
| Assets per employee ($millions) | 57.7652% | 29 |
| Cash dividends to net income (ytd only)* | 1.8490% | 4,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5299% | 7,081 |
| Loan loss allowance to noncurrent loans | 27.7612% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 5,248 |
| Noncurrent loans to loans | 1.9089% | 3,332 |
| Net loans and leases to total assets | 34.1071% | 6,867 |
| Net loans and leases to deposits | 51.1261% | 6,278 |
| Net loans and leases to core deposits | 74.5028% | 4,176 |
| Total domestic deposits to total assets | 46.0707% | 7,295 |
| Equity capital to assets | 16.3423% | 538 |
| Core capital (leverage) ratio | 18.4586% | 276 |
| Tier 1 risk-based capital ratio | 30.1710% | 512 |
| Total risk-based capital ratio | 30.5956% | 539 |
| Memoranda: | ||
| Average total assets | $46,964,800,000 | 38 |
| Average earning assets | $39,670,400,000 | 39 |
| Average equity | $9,191,600,000 | 27 |
| Average total loans | $15,003,600,000 | 51 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3983% | 7,395 |
| Cost of funding earning assets | 0.0898% | 7,387 |
| Net interest margin | 1.3085% | 7,380 |
| Noninterest income to average assets | 2.6137% | 253 |
| Noninterest expense to average assets | 2.1055% | 6,496 |
| Loan and lease loss provision to assets | 0.0348% | 6,001 |
| Net operating income to assets | 0.9250% | 2,650 |
| Return on assets (ROA) | 0.9380% | 2,743 |
| Pretax return on assets | 1.5943% | 1,404 |
| Return on Equity (ROE) | 4.5822% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.5822% | 3,455 |
| Net charge-offs to loans | 0.4826% | 2,806 |
| Credit loss provision to net charge-offs | 23.0769% | 5,519 |
| Earnings coverage of net charge-offs (x) | 10.6538% | 1,895 |
| Efficiency ratio | 54.2611% | 6,463 |
| Assets per employee ($millions) | 51.1228% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5919% | 7,095 |
| Loan loss allowance to noncurrent loans | 27.2464% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 0.8034% | 5,164 |
| Noncurrent loans to loans | 2.1725% | 3,152 |
| Net loans and leases to total assets | 34.4627% | 6,931 |
| Net loans and leases to deposits | 54.4965% | 6,165 |
| Net loans and leases to core deposits | 83.7587% | 3,094 |
| Total domestic deposits to total assets | 41.7041% | 7,375 |
| Equity capital to assets | 20.8684% | 213 |
| Core capital (leverage) ratio | 21.9554% | 153 |
| Tier 1 risk-based capital ratio | 37.0819% | 302 |
| Total risk-based capital ratio | 37.5456% | 311 |
| Memoranda: | ||
| Average total assets | $45,911,000,000 | 38 |
| Average earning assets | $38,617,750,000 | 39 |
| Average equity | $9,398,500,000 | 26 |
| Average total loans | $14,367,250,000 | 53 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4068% | 7,472 |
| Cost of funding earning assets | 0.0882% | 7,464 |
| Net interest margin | 1.3185% | 7,458 |
| Noninterest income to average assets | 2.6074% | 252 |
| Noninterest expense to average assets | 2.0938% | 6,607 |
| Loan and lease loss provision to assets | -0.0174% | 7,375 |
| Net operating income to assets | 0.9817% | 2,302 |
| Return on assets (ROA) | 1.0012% | 2,325 |
| Pretax return on assets | 1.6672% | 1,118 |
| Return on Equity (ROE) | 4.9224% | 4,490 |
| Retained earnings to average equity (ytd only) | 4.9224% | 3,050 |
| Net charge-offs to loans | 0.7646% | 1,968 |
| Credit loss provision to net charge-offs | -7.5472% | 6,174 |
| Earnings coverage of net charge-offs (x) | 7.0189% | 2,295 |
| Efficiency ratio | 53.8101% | 6,637 |
| Assets per employee ($millions) | 53.4904% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5408% | 7,202 |
| Loan loss allowance to noncurrent loans | 24.3750% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 0.7208% | 5,463 |
| Noncurrent loans to loans | 2.2188% | 3,206 |
| Net loans and leases to total assets | 30.2323% | 7,173 |
| Net loans and leases to deposits | 46.1355% | 6,822 |
| Net loans and leases to core deposits | 74.9817% | 4,441 |
| Total domestic deposits to total assets | 40.6483% | 7,449 |
| Equity capital to assets | 19.9089% | 265 |
| Core capital (leverage) ratio | 22.2878% | 151 |
| Tier 1 risk-based capital ratio | 39.1539% | 257 |
| Total risk-based capital ratio | 39.5704% | 262 |
| Memoranda: | ||
| Average total assets | $45,946,000,000 | 40 |
| Average earning assets | $38,528,333,330 | 41 |
| Average equity | $9,345,000,000 | 27 |
| Average total loans | $13,863,000,000 | 59 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4214% | 7,533 |
| Cost of funding earning assets | 0.0955% | 7,525 |
| Net interest margin | 1.3259% | 7,516 |
| Noninterest income to average assets | 3.0180% | 220 |
| Noninterest expense to average assets | 2.4250% | 5,813 |
| Loan and lease loss provision to assets | 0.0089% | 5,784 |
| Net operating income to assets | 1.0047% | 2,172 |
| Return on assets (ROA) | 1.0443% | 2,076 |
| Pretax return on assets | 1.7524% | 893 |
| Return on Equity (ROE) | 5.0783% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.0783% | 3,137 |
| Net charge-offs to loans | 0.9718% | 1,386 |
| Credit loss provision to net charge-offs | 3.0303% | 4,448 |
| Earnings coverage of net charge-offs (x) | 5.8182% | 2,206 |
| Efficiency ratio | 56.0086% | 6,507 |
| Assets per employee ($millions) | 49.1116% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 6,991 |
| Loan loss allowance to noncurrent loans | 29.7994% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 5,236 |
| Noncurrent loans to loans | 2.5456% | 2,942 |
| Net loans and leases to total assets | 30.3110% | 7,221 |
| Net loans and leases to deposits | 54.0586% | 6,288 |
| Net loans and leases to core deposits | 92.2128% | 2,103 |
| Total domestic deposits to total assets | 33.2650% | 7,523 |
| Equity capital to assets | 20.8474% | 214 |
| Core capital (leverage) ratio | 20.9519% | 187 |
| Tier 1 risk-based capital ratio | 38.9108% | 252 |
| Total risk-based capital ratio | 39.4823% | 263 |
| Memoranda: | ||
| Average total assets | $45,196,000,000 | 40 |
| Average earning assets | $37,710,500,000 | 41 |
| Average equity | $9,294,500,000 | 27 |
| Average total loans | $13,583,500,000 | 59 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5003% | 7,582 |
| Cost of funding earning assets | 0.2236% | 7,541 |
| Net interest margin | 1.2767% | 7,568 |
| Noninterest income to average assets | 2.5585% | 278 |
| Noninterest expense to average assets | 2.4270% | 6,020 |
| Loan and lease loss provision to assets | 0.0334% | 6,811 |
| Net operating income to assets | 1.1745% | 1,478 |
| Return on assets (ROA) | 1.1790% | 1,538 |
| Pretax return on assets | 1.1589% | 2,366 |
| Return on Equity (ROE) | 5.9239% | 3,645 |
| Retained earnings to average equity (ytd only) | 5.9239% | 1,862 |
| Net charge-offs to loans | 0.3830% | 4,125 |
| Credit loss provision to net charge-offs | 29.4118% | 6,495 |
| Earnings coverage of net charge-offs (x) | 10.4510% | 1,701 |
| Efficiency ratio | 65.1048% | 5,146 |
| Assets per employee ($millions) | 44.9200% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 6,296 |
| Loan loss allowance to noncurrent loans | 36.3395% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 5,244 |
| Noncurrent loans to loans | 2.8015% | 2,724 |
| Net loans and leases to total assets | 29.2722% | 7,371 |
| Net loans and leases to deposits | 52.2066% | 6,734 |
| Net loans and leases to core deposits | 76.0274% | 4,712 |
| Total domestic deposits to total assets | 38.9966% | 7,586 |
| Equity capital to assets | 20.2861% | 245 |
| Core capital (leverage) ratio | 19.2771% | 276 |
| Tier 1 risk-based capital ratio | 39.9034% | 241 |
| Total risk-based capital ratio | 40.6633% | 243 |
| Memoranda: | ||
| Average total assets | $44,870,200,000 | 39 |
| Average earning assets | $37,126,400,000 | 41 |
| Average equity | $8,930,000,000 | 27 |
| Average total loans | $13,314,400,000 | 60 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4954% | 7,709 |
| Cost of funding earning assets | 0.2312% | 7,663 |
| Net interest margin | 1.2642% | 7,688 |
| Noninterest income to average assets | 2.5764% | 268 |
| Noninterest expense to average assets | 2.3289% | 6,234 |
| Loan and lease loss provision to assets | 0.0149% | 6,892 |
| Net operating income to assets | 1.0026% | 2,230 |
| Return on assets (ROA) | 1.0079% | 2,327 |
| Pretax return on assets | 1.2823% | 2,220 |
| Return on Equity (ROE) | 5.0894% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.0894% | 2,921 |
| Net charge-offs to loans | 0.3313% | 4,003 |
| Credit loss provision to net charge-offs | 15.1515% | 6,293 |
| Earnings coverage of net charge-offs (x) | 13.1212% | 1,617 |
| Efficiency ratio | 62.3558% | 5,550 |
| Assets per employee ($millions) | 41.6131% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 6,125 |
| Loan loss allowance to noncurrent loans | 26.6423% | 6,540 |
| Noncurrent assets plus other real estate owned to assets | 1.2441% | 4,663 |
| Noncurrent loans to loans | 3.9704% | 1,897 |
| Net loans and leases to total assets | 29.8062% | 7,474 |
| Net loans and leases to deposits | 56.9831% | 6,543 |
| Net loans and leases to core deposits | 102.1773% | 1,636 |
| Total domestic deposits to total assets | 29.8171% | 7,699 |
| Equity capital to assets | 19.7376% | 301 |
| Core capital (leverage) ratio | 20.1186% | 246 |
| Tier 1 risk-based capital ratio | 39.3062% | 261 |
| Total risk-based capital ratio | 40.0969% | 263 |
| Memoranda: | ||
| Average total assets | $44,711,750,000 | 38 |
| Average earning assets | $36,911,750,000 | 41 |
| Average equity | $8,854,750,000 | 26 |
| Average total loans | $13,278,750,000 | 59 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4774% | 7,786 |
| Cost of funding earning assets | 0.2408% | 7,734 |
| Net interest margin | 1.2367% | 7,763 |
| Noninterest income to average assets | 2.8054% | 232 |
| Noninterest expense to average assets | 2.4581% | 5,888 |
| Loan and lease loss provision to assets | -0.0135% | 7,745 |
| Net operating income to assets | 1.0699% | 1,944 |
| Return on assets (ROA) | 1.0734% | 2,013 |
| Pretax return on assets | 1.3846% | 1,873 |
| Return on Equity (ROE) | 5.4140% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.4140% | 2,669 |
| Net charge-offs to loans | 0.3968% | 3,386 |
| Credit loss provision to net charge-offs | -11.5385% | 6,599 |
| Earnings coverage of net charge-offs (x) | 11.6538% | 1,750 |
| Efficiency ratio | 62.3821% | 5,632 |
| Assets per employee ($millions) | 35.0266% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 5,872 |
| Loan loss allowance to noncurrent loans | 26.1947% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 1.3789% | 4,416 |
| Noncurrent loans to loans | 4.2548% | 1,750 |
| Net loans and leases to total assets | 31.1110% | 7,508 |
| Net loans and leases to deposits | 58.8755% | 6,507 |
| Net loans and leases to core deposits | 97.3532% | 2,294 |
| Total domestic deposits to total assets | 32.4141% | 7,764 |
| Equity capital to assets | 21.1339% | 230 |
| Core capital (leverage) ratio | 19.6166% | 266 |
| Tier 1 risk-based capital ratio | 38.7464% | 272 |
| Total risk-based capital ratio | 39.5951% | 274 |
| Memoranda: | ||
| Average total assets | $44,343,666,670 | 38 |
| Average earning assets | $36,550,333,330 | 42 |
| Average equity | $8,792,000,000 | 25 |
| Average total loans | $13,104,333,330 | 61 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4288% | 7,894 |
| Cost of funding earning assets | 0.2239% | 7,848 |
| Net interest margin | 1.2049% | 7,865 |
| Noninterest income to average assets | 2.5456% | 251 |
| Noninterest expense to average assets | 2.6160% | 5,286 |
| Loan and lease loss provision to assets | 0.0617% | 6,026 |
| Net operating income to assets | 0.5285% | 4,242 |
| Return on assets (ROA) | 0.5285% | 4,381 |
| Pretax return on assets | 0.8632% | 3,615 |
| Return on Equity (ROE) | 2.7498% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.7498% | 4,490 |
| Net charge-offs to loans | 0.5839% | 2,348 |
| Credit loss provision to net charge-offs | 36.8421% | 4,696 |
| Earnings coverage of net charge-offs (x) | 5.5263% | 2,382 |
| Efficiency ratio | 71.8905% | 3,950 |
| Assets per employee ($millions) | 35.0023% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 5,247 |
| Loan loss allowance to noncurrent loans | 22.1929% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 1.7182% | 3,896 |
| Noncurrent loans to loans | 5.6132% | 1,229 |
| Net loans and leases to total assets | 29.5640% | 7,635 |
| Net loans and leases to deposits | 55.4662% | 6,813 |
| Net loans and leases to core deposits | 85.7953% | 3,929 |
| Total domestic deposits to total assets | 35.0049% | 7,864 |
| Equity capital to assets | 19.4171% | 313 |
| Core capital (leverage) ratio | 20.0916% | 245 |
| Tier 1 risk-based capital ratio | 36.7475% | 315 |
| Total risk-based capital ratio | 37.6701% | 313 |
| Memoranda: | ||
| Average total assets | $45,412,000,000 | 37 |
| Average earning assets | $37,514,500,000 | 40 |
| Average equity | $8,728,000,000 | 25 |
| Average total loans | $13,017,000,000 | 60 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6898% | 7,943 |
| Cost of funding earning assets | 0.2422% | 7,926 |
| Net interest margin | 1.4476% | 7,880 |
| Noninterest income to average assets | 2.7287% | 249 |
| Noninterest expense to average assets | 2.4823% | 6,198 |
| Loan and lease loss provision to assets | 0.3042% | 4,996 |
| Net operating income to assets | 0.6162% | 3,272 |
| Return on assets (ROA) | 0.6350% | 3,252 |
| Pretax return on assets | 1.1346% | 2,141 |
| Return on Equity (ROE) | 3.3396% | 4,364 |
| Retained earnings to average equity (ytd only) | 3.3396% | 2,833 |
| Net charge-offs to loans | 0.2508% | 5,053 |
| Credit loss provision to net charge-offs | 428.1250% | 729 |
| Earnings coverage of net charge-offs (x) | 19.9063% | 1,064 |
| Efficiency ratio | 61.9373% | 6,164 |
| Assets per employee ($millions) | 34.5479% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 3,974 |
| Loan loss allowance to noncurrent loans | 21.7443% | 6,970 |
| Noncurrent assets plus other real estate owned to assets | 1.8656% | 3,577 |
| Noncurrent loans to loans | 6.6704% | 888 |
| Net loans and leases to total assets | 27.0142% | 7,768 |
| Net loans and leases to deposits | 49.9939% | 7,259 |
| Net loans and leases to core deposits | 85.2181% | 5,596 |
| Total domestic deposits to total assets | 32.3488% | 7,945 |
| Equity capital to assets | 19.0253% | 362 |
| Core capital (leverage) ratio | 21.0221% | 236 |
| Tier 1 risk-based capital ratio | 37.7409% | 290 |
| Total risk-based capital ratio | 38.7224% | 286 |
| Memoranda: | ||
| Average total assets | $45,039,600,000 | 38 |
| Average earning assets | $36,336,000,000 | 40 |
| Average equity | $8,563,800,000 | 24 |
| Average total loans | $12,759,600,000 | 60 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8174% | 8,038 |
| Cost of funding earning assets | 0.2411% | 8,022 |
| Net interest margin | 1.5763% | 7,936 |
| Noninterest income to average assets | 2.7733% | 235 |
| Noninterest expense to average assets | 2.4968% | 6,077 |
| Loan and lease loss provision to assets | 0.2854% | 4,692 |
| Net operating income to assets | 0.7476% | 3,033 |
| Return on assets (ROA) | 0.7550% | 3,066 |
| Pretax return on assets | 1.2692% | 2,046 |
| Return on Equity (ROE) | 3.9714% | 4,385 |
| Retained earnings to average equity (ytd only) | 3.9714% | 3,059 |
| Net charge-offs to loans | 0.2289% | 4,626 |
| Credit loss provision to net charge-offs | 436.3636% | 911 |
| Earnings coverage of net charge-offs (x) | 23.5455% | 1,116 |
| Efficiency ratio | 60.1620% | 6,392 |
| Assets per employee ($millions) | 33.7810% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 4,963 |
| Loan loss allowance to noncurrent loans | 18.3453% | 7,181 |
| Noncurrent assets plus other real estate owned to assets | 1.8328% | 3,606 |
| Noncurrent loans to loans | 6.6875% | 846 |
| Net loans and leases to total assets | 27.0707% | 7,863 |
| Net loans and leases to deposits | 61.9836% | 6,676 |
| Net loans and leases to core deposits | 118.4309% | 2,380 |
| Total domestic deposits to total assets | 23.6072% | 8,036 |
| Equity capital to assets | 19.1240% | 406 |
| Core capital (leverage) ratio | 24.0134% | 187 |
| Tier 1 risk-based capital ratio | 36.8567% | 334 |
| Total risk-based capital ratio | 37.6429% | 340 |
| Memoranda: | ||
| Average total assets | $44,855,500,000 | 39 |
| Average earning assets | $35,947,500,000 | 40 |
| Average equity | $8,527,500,000 | 25 |
| Average total loans | $12,812,500,000 | 63 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8913% | 8,131 |
| Cost of funding earning assets | 0.2638% | 8,113 |
| Net interest margin | 1.6275% | 7,980 |
| Noninterest income to average assets | 2.4463% | 274 |
| Noninterest expense to average assets | 2.4149% | 6,414 |
| Loan and lease loss provision to assets | 0.2106% | 4,936 |
| Net operating income to assets | 0.6891% | 3,302 |
| Return on assets (ROA) | 0.6989% | 3,367 |
| Pretax return on assets | 1.1380% | 2,507 |
| Return on Equity (ROE) | 3.6839% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.6839% | 3,246 |
| Net charge-offs to loans | 0.2321% | 4,045 |
| Credit loss provision to net charge-offs | 313.3333% | 1,486 |
| Earnings coverage of net charge-offs (x) | 19.8000% | 1,345 |
| Efficiency ratio | 62.6794% | 6,145 |
| Assets per employee ($millions) | 31.8355% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 7,081 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 0.8112% | 5,364 |
| Noncurrent loans to loans | 2.4644% | 2,936 |
| Net loans and leases to total assets | 32.6476% | 7,817 |
| Net loans and leases to deposits | 72.5935% | 5,654 |
| Net loans and leases to core deposits | 162.6218% | 409 |
| Total domestic deposits to total assets | 21.0367% | 8,132 |
| Equity capital to assets | 20.7832% | 342 |
| Core capital (leverage) ratio | 22.5683% | 259 |
| Tier 1 risk-based capital ratio | 34.9416% | 419 |
| Total risk-based capital ratio | 35.4913% | 431 |
| Memoranda: | ||
| Average total assets | $44,639,666,670 | 41 |
| Average earning assets | $35,636,666,670 | 41 |
| Average equity | $8,469,333,330 | 24 |
| Average total loans | $12,926,333,330 | 65 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7607% | 8,194 |
| Cost of funding earning assets | 0.2684% | 8,164 |
| Net interest margin | 1.4923% | 8,061 |
| Noninterest income to average assets | 0.7784% | 2,436 |
| Noninterest expense to average assets | 2.3351% | 6,417 |
| Loan and lease loss provision to assets | 0.1384% | 5,195 |
| Net operating income to assets | -0.2550% | 6,623 |
| Return on assets (ROA) | -0.2249% | 6,666 |
| Pretax return on assets | -0.4411% | 6,776 |
| Return on Equity (ROE) | -1.2381% | 6,578 |
| Retained earnings to average equity (ytd only) | -1.2381% | 5,941 |
| Net charge-offs to loans | 0.5090% | 2,191 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | -2.5625% | 5,496 |
| Efficiency ratio | 114.8472% | 720 |
| Assets per employee ($millions) | 30.9118% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6594% | 7,548 |
| Loan loss allowance to noncurrent loans | 39.5122% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 5,996 |
| Noncurrent loans to loans | 1.6688% | 3,765 |
| Net loans and leases to total assets | 29.2638% | 7,930 |
| Net loans and leases to deposits | 64.9199% | 6,469 |
| Net loans and leases to core deposits | 135.6492% | 1,330 |
| Total domestic deposits to total assets | 22.7722% | 8,183 |
| Equity capital to assets | 20.1103% | 414 |
| Core capital (leverage) ratio | 21.7418% | 315 |
| Tier 1 risk-based capital ratio | 35.4352% | 422 |
| Total risk-based capital ratio | 35.8588% | 437 |
| Memoranda: | ||
| Average total assets | $46,250,500,000 | 41 |
| Average earning assets | $37,258,500,000 | 42 |
| Average equity | $8,400,000,000 | 26 |
| Average total loans | $12,572,500,000 | 67 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 8,113 |
| Cost of funding earning assets | 1.3389% | 7,804 |
| Net interest margin | 2.5255% | 7,728 |
| Noninterest income to average assets | 1.3104% | 852 |
| Noninterest expense to average assets | 3.4415% | 2,551 |
| Loan and lease loss provision to assets | 0.0630% | 6,616 |
| Net operating income to assets | -0.0586% | 6,451 |
| Return on assets (ROA) | -0.0093% | 6,246 |
| Pretax return on assets | -0.1073% | 6,278 |
| Return on Equity (ROE) | -0.0470% | 6,245 |
| Retained earnings to average equity (ytd only) | -0.0470% | 5,275 |
| Net charge-offs to loans | 0.1443% | 4,772 |
| Credit loss provision to net charge-offs | 142.1053% | 3,728 |
| Earnings coverage of net charge-offs (x) | -2.7368% | 6,752 |
| Efficiency ratio | 101.3343% | 931 |
| Assets per employee ($millions) | 36.9462% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6376% | 7,587 |
| Loan loss allowance to noncurrent loans | 51.5723% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 6,356 |
| Noncurrent loans to loans | 1.2363% | 4,042 |
| Net loans and leases to total assets | 25.1550% | 8,087 |
| Net loans and leases to deposits | 60.6358% | 7,039 |
| Net loans and leases to core deposits | 121.6932% | 2,537 |
| Total domestic deposits to total assets | 21.6492% | 8,237 |
| Equity capital to assets | 16.5627% | 830 |
| Core capital (leverage) ratio | 16.5835% | 749 |
| Tier 1 risk-based capital ratio | 35.5252% | 429 |
| Total risk-based capital ratio | 35.9810% | 443 |
| Memoranda: | ||
| Average total assets | $42,888,800,000 | 41 |
| Average earning assets | $34,132,000,000 | 43 |
| Average equity | $8,507,800,000 | 25 |
| Average total loans | $13,170,800,000 | 66 |