Home > E*TRADE Bank > Performance and Condition Ratios
E*TRADE Bank, Performance and Condition Ratios
| 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 | 1.0970% | 4,782 |
| Cost of funding earning assets | 0.0203% | 4,773 |
| Net interest margin | 1.0766% | 4,773 |
| Noninterest income to average assets | 0.1445% | 4,432 |
| Noninterest expense to average assets | 0.8704% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.1911% | 4,546 |
| Return on assets (ROA) | 0.2363% | 4,513 |
| Pretax return on assets | 0.3877% | 4,408 |
| Return on Equity (ROE) | 2.7453% | 4,404 |
| Retained earnings to average equity (ytd only) | 2.7453% | 3,746 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2818% | 1,702 |
| Assets per employee ($millions) | 8,792.7529% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.0001% | 4,221 |
| Noncurrent loans to loans | 0.0004% | 4,139 |
| Net loans and leases to total assets | 32.7307% | 4,421 |
| Net loans and leases to deposits | 35.9266% | 4,478 |
| Net loans and leases to core deposits | 37.4092% | 4,481 |
| Total domestic deposits to total assets | 91.1044% | 458 |
| Equity capital to assets | 8.6792% | 3,909 |
| Core capital (leverage) ratio | 8.0039% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.2835% | 73 |
| Memoranda: | ||
| Average total assets | $75,438,183,600 | 42 |
| Average earning assets | $74,016,395,800 | 42 |
| Average equity | $6,493,510,600 | 46 |
| Average total loans | $15,255,272,400 | 84 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1381% | 4,865 |
| Cost of funding earning assets | 0.0203% | 4,855 |
| Net interest margin | 1.1178% | 4,854 |
| Noninterest income to average assets | 0.2236% | 4,066 |
| Noninterest expense to average assets | 0.9567% | 4,845 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2440% | 4,583 |
| Return on assets (ROA) | 0.2970% | 4,544 |
| Pretax return on assets | 0.4291% | 4,456 |
| Return on Equity (ROE) | 3.4583% | 4,391 |
| Retained earnings to average equity (ytd only) | 3.4583% | 3,750 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1668% | 1,584 |
| Assets per employee ($millions) | 11,094.1037% | 1 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,866 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,310 |
| Noncurrent loans to loans | 0.0002% | 4,236 |
| Net loans and leases to total assets | 25.3020% | 4,724 |
| Net loans and leases to deposits | 27.9072% | 4,741 |
| Net loans and leases to core deposits | 102.3748% | 511 |
| Total domestic deposits to total assets | 90.6648% | 484 |
| Equity capital to assets | 8.8981% | 3,923 |
| Core capital (leverage) ratio | 8.3618% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.8055% | 68 |
| Memoranda: | ||
| Average total assets | $74,514,035,500 | 43 |
| Average earning assets | $72,994,651,250 | 43 |
| Average equity | $6,399,816,000 | 47 |
| Average total loans | $12,593,749,000 | 98 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1983% | 4,892 |
| Cost of funding earning assets | 0.0206% | 4,894 |
| Net interest margin | 1.1776% | 4,883 |
| Noninterest income to average assets | 0.3676% | 3,269 |
| Noninterest expense to average assets | 0.9561% | 4,877 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3968% | 4,388 |
| Return on assets (ROA) | 0.4775% | 4,306 |
| Pretax return on assets | 0.6646% | 4,138 |
| Return on Equity (ROE) | 5.6309% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.6309% | 2,947 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2257% | 2,989 |
| Assets per employee ($millions) | 727.7402% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,901 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,978 |
| Noncurrent loans to loans | 0.1737% | 3,346 |
| Net loans and leases to total assets | 22.5062% | 4,800 |
| Net loans and leases to deposits | 24.8389% | 4,823 |
| Net loans and leases to core deposits | 85.1139% | 1,485 |
| Total domestic deposits to total assets | 90.6085% | 513 |
| Equity capital to assets | 8.9571% | 3,830 |
| Core capital (leverage) ratio | 8.1726% | 4,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.0978% | 74 |
| Memoranda: | ||
| Average total assets | $73,465,805,333 | 43 |
| Average earning assets | $71,802,972,000 | 43 |
| Average equity | $6,229,696,333 | 47 |
| Average total loans | $10,241,916,000 | 118 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3985% | 4,913 |
| Cost of funding earning assets | 0.0208% | 4,928 |
| Net interest margin | 1.3777% | 4,894 |
| Noninterest income to average assets | 0.5769% | 2,303 |
| Noninterest expense to average assets | 1.0230% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6834% | 3,751 |
| Return on assets (ROA) | 0.7615% | 3,613 |
| Pretax return on assets | 0.9940% | 3,385 |
| Return on Equity (ROE) | 9.2651% | 2,938 |
| Retained earnings to average equity (ytd only) | 9.2651% | 1,868 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5623% | 4,225 |
| Assets per employee ($millions) | 699.7689% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,931 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 2,817 |
| Noncurrent loans to loans | 1.8050% | 642 |
| Net loans and leases to total assets | 14.4189% | 4,898 |
| Net loans and leases to deposits | 15.8514% | 4,903 |
| Net loans and leases to core deposits | 56.5217% | 3,939 |
| Total domestic deposits to total assets | 90.9633% | 408 |
| Equity capital to assets | 8.6236% | 4,028 |
| Core capital (leverage) ratio | 8.5204% | 4,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.6116% | 74 |
| Memoranda: | ||
| Average total assets | $71,264,607,000 | 43 |
| Average earning assets | $69,382,089,000 | 42 |
| Average equity | $5,857,186,000 | 48 |
| Average total loans | $6,600,295,000 | 164 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2829% | 4,989 |
| Cost of funding earning assets | 0.0059% | 4,980 |
| Net interest margin | 0.2770% | 4,986 |
| Noninterest income to average assets | 0.0694% | 4,825 |
| Noninterest expense to average assets | 0.2916% | 4,987 |
| Loan and lease loss provision to assets | 0.0008% | 4,316 |
| Net operating income to assets | 0.0345% | 4,708 |
| Return on assets (ROA) | 0.0505% | 4,734 |
| Pretax return on assets | 0.0665% | 4,721 |
| Return on Equity (ROE) | 0.6734% | 4,706 |
| Retained earnings to average equity (ytd only) | 0.6734% | 4,322 |
| Net charge-offs to loans | 0.0091% | 3,001 |
| Credit loss provision to net charge-offs | 295.8904% | 1,754 |
| Earnings coverage of net charge-offs (x) | 168.0137% | 523 |
| Efficiency ratio | 84.0376% | 629 |
| Assets per employee ($millions) | 514.3899% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0168% | 4,948 |
| Loan loss allowance to noncurrent loans | 0.0952% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 2,098 |
| Noncurrent loans to loans | 17.6896% | 5 |
| Net loans and leases to total assets | 2.7054% | 4,965 |
| Net loans and leases to deposits | 3.1010% | 4,968 |
| Net loans and leases to core deposits | 10.1158% | 4,946 |
| Total domestic deposits to total assets | 87.2428% | 1,824 |
| Equity capital to assets | 7.7045% | 4,799 |
| Core capital (leverage) ratio | 7.6118% | 4,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7593% | 120 |
| Memoranda: | ||
| Average total assets | $52,049,334,600 | 46 |
| Average earning assets | $50,616,310,000 | 44 |
| Average equity | $3,902,229,400 | 67 |
| Average total loans | $1,605,500,800 | 419 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3669% | 4,924 |
| Cost of funding earning assets | 0.0939% | 4,931 |
| Net interest margin | 2.2730% | 4,788 |
| Noninterest income to average assets | 0.1029% | 4,753 |
| Noninterest expense to average assets | 1.3437% | 4,888 |
| Loan and lease loss provision to assets | 0.0069% | 4,202 |
| Net operating income to assets | 0.6736% | 3,550 |
| Return on assets (ROA) | 0.8214% | 3,135 |
| Pretax return on assets | 1.1509% | 2,565 |
| Return on Equity (ROE) | 11.0529% | 1,660 |
| Retained earnings to average equity (ytd only) | 11.0529% | 565 |
| Net charge-offs to loans | -1.2564% | 4,993 |
| Credit loss provision to net charge-offs | -17.1350% | 3,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2214% | 3,770 |
| Assets per employee ($millions) | 422.6708% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | -4.8457% | 4,996 |
| Loan loss allowance to noncurrent loans | -27.7563% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 2,024 |
| Noncurrent loans to loans | 17.4581% | 9 |
| Net loans and leases to total assets | 3.3359% | 4,995 |
| Net loans and leases to deposits | 3.7746% | 5,000 |
| Net loans and leases to core deposits | 13.9360% | 4,968 |
| Total domestic deposits to total assets | 88.3766% | 1,023 |
| Equity capital to assets | 7.5649% | 4,842 |
| Core capital (leverage) ratio | 7.1524% | 4,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3369% | 174 |
| Memoranda: | ||
| Average total assets | $49,372,777,000 | 48 |
| Average earning assets | $48,041,211,750 | 45 |
| Average equity | $3,669,031,500 | 67 |
| Average total loans | $1,582,356,500 | 419 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5199% | 4,959 |
| Cost of funding earning assets | 0.1323% | 4,922 |
| Net interest margin | 2.3876% | 4,798 |
| Noninterest income to average assets | 0.0976% | 4,790 |
| Noninterest expense to average assets | 1.4120% | 4,898 |
| Loan and lease loss provision to assets | 0.0222% | 3,968 |
| Net operating income to assets | 0.6883% | 3,432 |
| Return on assets (ROA) | 0.8269% | 3,062 |
| Pretax return on assets | 1.1587% | 2,504 |
| Return on Equity (ROE) | 11.1980% | 1,573 |
| Retained earnings to average equity (ytd only) | 11.1980% | 578 |
| Net charge-offs to loans | -1.3178% | 5,027 |
| Credit loss provision to net charge-offs | -52.3985% | 3,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5866% | 3,744 |
| Assets per employee ($millions) | 420.2937% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | -5.3218% | 5,029 |
| Loan loss allowance to noncurrent loans | -23.6948% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6937% | 1,768 |
| Noncurrent loans to loans | 22.4598% | 4 |
| Net loans and leases to total assets | 3.1628% | 5,029 |
| Net loans and leases to deposits | 3.6442% | 5,033 |
| Net loans and leases to core deposits | 14.0947% | 5,001 |
| Total domestic deposits to total assets | 86.7896% | 1,701 |
| Equity capital to assets | 7.3903% | 4,906 |
| Core capital (leverage) ratio | 7.2027% | 4,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9448% | 185 |
| Memoranda: | ||
| Average total assets | $48,641,757,000 | 47 |
| Average earning assets | $47,261,550,333 | 44 |
| Average equity | $3,591,747,667 | 67 |
| Average total loans | $1,562,920,000 | 417 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6526% | 5,026 |
| Cost of funding earning assets | 0.2498% | 4,773 |
| Net interest margin | 2.4028% | 4,875 |
| Noninterest income to average assets | 0.1022% | 4,819 |
| Noninterest expense to average assets | 1.3945% | 4,965 |
| Loan and lease loss provision to assets | 0.0522% | 3,125 |
| Net operating income to assets | 0.6846% | 3,323 |
| Return on assets (ROA) | 0.8156% | 2,943 |
| Pretax return on assets | 1.1632% | 2,330 |
| Return on Equity (ROE) | 11.0508% | 1,393 |
| Retained earnings to average equity (ytd only) | 11.0508% | 557 |
| Net charge-offs to loans | -1.2118% | 5,061 |
| Credit loss provision to net charge-offs | -129.4425% | 3,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2095% | 4,193 |
| Assets per employee ($millions) | 405.5987% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | -5.5507% | 5,076 |
| Loan loss allowance to noncurrent loans | -55.4066% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3350% | 3,101 |
| Noncurrent loans to loans | 10.0181% | 29 |
| Net loans and leases to total assets | 3.2508% | 5,077 |
| Net loans and leases to deposits | 3.8339% | 5,080 |
| Net loans and leases to core deposits | 16.4326% | 5,042 |
| Total domestic deposits to total assets | 84.7913% | 2,492 |
| Equity capital to assets | 7.0160% | 5,066 |
| Core capital (leverage) ratio | 7.3914% | 5,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.7961% | 188 |
| Memoranda: | ||
| Average total assets | $47,534,868,500 | 47 |
| Average earning assets | $46,327,659,500 | 44 |
| Average equity | $3,508,440,500 | 68 |
| Average total loans | $1,580,785,500 | 404 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1520% | 5,011 |
| Cost of funding earning assets | 0.4052% | 4,429 |
| Net interest margin | 2.7468% | 4,794 |
| Noninterest income to average assets | 0.1152% | 4,880 |
| Noninterest expense to average assets | 1.3869% | 5,047 |
| Loan and lease loss provision to assets | -0.1060% | 5,085 |
| Net operating income to assets | 1.1218% | 2,363 |
| Return on assets (ROA) | 1.0736% | 2,652 |
| Pretax return on assets | 1.4458% | 1,996 |
| Return on Equity (ROE) | 13.9004% | 916 |
| Retained earnings to average equity (ytd only) | 0.8372% | 4,441 |
| Net charge-offs to loans | -1.6599% | 5,140 |
| Credit loss provision to net charge-offs | 163.2172% | 1,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0766% | 4,780 |
| Assets per employee ($millions) | 352.5630% | 5 |
| Cash dividends to net income (ytd only)* | 93.9773% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 3,259 |
| Loan loss allowance to noncurrent loans | 9.9897% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 0.4048% | 2,783 |
| Noncurrent loans to loans | 10.4481% | 23 |
| Net loans and leases to total assets | 3.5639% | 5,139 |
| Net loans and leases to deposits | 4.0580% | 5,143 |
| Net loans and leases to core deposits | 13.2573% | 5,118 |
| Total domestic deposits to total assets | 87.8245% | 1,216 |
| Equity capital to assets | 7.7905% | 5,083 |
| Core capital (leverage) ratio | 7.1922% | 5,128 |
| Tier 1 risk-based capital ratio | 36.5156% | 300 |
| Total risk-based capital ratio | 36.7053% | 315 |
| Memoranda: | ||
| Average total assets | $48,054,210,800 | 44 |
| Average earning assets | $46,753,195,000 | 43 |
| Average equity | $3,711,645,000 | 64 |
| Average total loans | $1,880,360,200 | 339 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2125% | 5,090 |
| Cost of funding earning assets | 0.4052% | 4,486 |
| Net interest margin | 2.8072% | 4,854 |
| Noninterest income to average assets | 0.1094% | 4,958 |
| Noninterest expense to average assets | 1.3911% | 5,118 |
| Loan and lease loss provision to assets | -0.0878% | 5,155 |
| Net operating income to assets | 1.1424% | 2,401 |
| Return on assets (ROA) | 1.0557% | 2,838 |
| Pretax return on assets | 1.4270% | 2,198 |
| Return on Equity (ROE) | 13.6950% | 1,051 |
| Retained earnings to average equity (ytd only) | 1.0357% | 4,559 |
| Net charge-offs to loans | -1.5311% | 5,216 |
| Credit loss provision to net charge-offs | 143.8646% | 1,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3290% | 4,835 |
| Assets per employee ($millions) | 308.0491% | 5 |
| Cash dividends to net income (ytd only)* | 92.4373% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5084% | 1,223 |
| Loan loss allowance to noncurrent loans | 15.0555% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4165% | 2,846 |
| Noncurrent loans to loans | 10.0187% | 26 |
| Net loans and leases to total assets | 3.8060% | 5,217 |
| Net loans and leases to deposits | 4.2747% | 5,221 |
| Net loans and leases to core deposits | 14.0593% | 5,193 |
| Total domestic deposits to total assets | 89.0371% | 597 |
| Equity capital to assets | 7.9788% | 5,135 |
| Core capital (leverage) ratio | 7.4256% | 5,196 |
| Tier 1 risk-based capital ratio | 37.1845% | 297 |
| Total risk-based capital ratio | 37.4768% | 312 |
| Memoranda: | ||
| Average total assets | $48,873,888,250 | 44 |
| Average earning assets | $47,542,266,250 | 42 |
| Average equity | $3,767,501,000 | 64 |
| Average total loans | $1,947,305,750 | 334 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2789% | 5,131 |
| Cost of funding earning assets | 0.3994% | 4,512 |
| Net interest margin | 2.8795% | 4,844 |
| Noninterest income to average assets | 0.1026% | 5,027 |
| Noninterest expense to average assets | 1.4027% | 5,159 |
| Loan and lease loss provision to assets | -0.0826% | 5,200 |
| Net operating income to assets | 1.1830% | 2,213 |
| Return on assets (ROA) | 1.0114% | 2,949 |
| Pretax return on assets | 1.3638% | 2,326 |
| Return on Equity (ROE) | 13.2628% | 1,167 |
| Retained earnings to average equity (ytd only) | 13.2628% | 278 |
| Net charge-offs to loans | -1.3859% | 5,258 |
| Credit loss provision to net charge-offs | 148.1684% | 1,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7243% | 4,912 |
| Assets per employee ($millions) | 304.0706% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,045 |
| Loan loss allowance to noncurrent loans | 16.0042% | 4,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4359% | 2,769 |
| Noncurrent loans to loans | 9.9329% | 30 |
| Net loans and leases to total assets | 3.9747% | 5,266 |
| Net loans and leases to deposits | 4.5382% | 5,270 |
| Net loans and leases to core deposits | 16.0111% | 5,236 |
| Total domestic deposits to total assets | 87.5827% | 1,294 |
| Equity capital to assets | 8.6590% | 4,973 |
| Core capital (leverage) ratio | 7.3262% | 5,245 |
| Tier 1 risk-based capital ratio | 40.2154% | 230 |
| Total risk-based capital ratio | 40.5342% | 243 |
| Memoranda: | ||
| Average total assets | $49,865,410,330 | 43 |
| Average earning assets | $48,462,934,330 | 42 |
| Average equity | $3,802,597,000 | 64 |
| Average total loans | $2,005,175,330 | 329 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1656% | 5,219 |
| Cost of funding earning assets | 0.3610% | 4,644 |
| Net interest margin | 2.8046% | 4,986 |
| Noninterest income to average assets | 0.1003% | 5,077 |
| Noninterest expense to average assets | 1.3161% | 5,253 |
| Loan and lease loss provision to assets | -0.0944% | 5,286 |
| Net operating income to assets | 1.1770% | 2,143 |
| Return on assets (ROA) | 1.2416% | 1,965 |
| Pretax return on assets | 1.6841% | 1,252 |
| Return on Equity (ROE) | 17.3422% | 458 |
| Retained earnings to average equity (ytd only) | 17.3422% | 170 |
| Net charge-offs to loans | -1.4961% | 5,319 |
| Credit loss provision to net charge-offs | 157.1743% | 1,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9802% | 5,030 |
| Assets per employee ($millions) | 315.3471% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 1,039 |
| Loan loss allowance to noncurrent loans | 15.8596% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4089% | 2,948 |
| Noncurrent loans to loans | 10.1467% | 25 |
| Net loans and leases to total assets | 3.7314% | 5,328 |
| Net loans and leases to deposits | 4.1950% | 5,329 |
| Net loans and leases to core deposits | 17.1221% | 5,293 |
| Total domestic deposits to total assets | 88.9496% | 878 |
| Equity capital to assets | 7.2577% | 5,289 |
| Core capital (leverage) ratio | 7.1035% | 5,312 |
| Tier 1 risk-based capital ratio | 33.8547% | 354 |
| Total risk-based capital ratio | 34.1535% | 381 |
| Memoranda: | ||
| Average total assets | $51,536,714,500 | 43 |
| Average earning assets | $50,050,932,500 | 42 |
| Average equity | $3,689,689,500 | 65 |
| Average total loans | $2,068,264,500 | 325 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8717% | 5,275 |
| Cost of funding earning assets | 0.1705% | 5,112 |
| Net interest margin | 2.7012% | 5,100 |
| Noninterest income to average assets | 0.0881% | 5,184 |
| Noninterest expense to average assets | 1.3755% | 5,273 |
| Loan and lease loss provision to assets | -0.1739% | 5,321 |
| Net operating income to assets | 1.0983% | 2,602 |
| Return on assets (ROA) | 1.1700% | 2,302 |
| Pretax return on assets | 1.6065% | 1,451 |
| Return on Equity (ROE) | 15.9619% | 639 |
| Retained earnings to average equity (ytd only) | 15.9619% | 88 |
| Net charge-offs to loans | -1.9951% | 5,370 |
| Credit loss provision to net charge-offs | 176.7084% | 1,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2532% | 4,925 |
| Assets per employee ($millions) | 230.1848% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 817 |
| Loan loss allowance to noncurrent loans | 17.2342% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4458% | 2,784 |
| Noncurrent loans to loans | 9.9170% | 25 |
| Net loans and leases to total assets | 4.1712% | 5,371 |
| Net loans and leases to deposits | 4.5867% | 5,373 |
| Net loans and leases to core deposits | 20.9939% | 5,322 |
| Total domestic deposits to total assets | 90.9412% | 220 |
| Equity capital to assets | 7.0566% | 5,328 |
| Core capital (leverage) ratio | 7.0797% | 5,356 |
| Tier 1 risk-based capital ratio | 34.8678% | 322 |
| Total risk-based capital ratio | 35.2337% | 337 |
| Memoranda: | ||
| Average total assets | $49,347,133,000 | 44 |
| Average earning assets | $48,033,163,400 | 42 |
| Average equity | $3,617,230,000 | 63 |
| Average total loans | $2,433,624,200 | 290 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8245% | 5,350 |
| Cost of funding earning assets | 0.1347% | 5,261 |
| Net interest margin | 2.6899% | 5,174 |
| Noninterest income to average assets | 0.0846% | 5,263 |
| Noninterest expense to average assets | 1.3865% | 5,330 |
| Loan and lease loss provision to assets | -0.2017% | 5,398 |
| Net operating income to assets | 1.0960% | 2,683 |
| Return on assets (ROA) | 1.1686% | 2,379 |
| Pretax return on assets | 1.6122% | 1,545 |
| Return on Equity (ROE) | 15.7913% | 728 |
| Retained earnings to average equity (ytd only) | 15.7913% | 144 |
| Net charge-offs to loans | -2.2023% | 5,441 |
| Credit loss provision to net charge-offs | 179.3186% | 1,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9316% | 4,888 |
| Assets per employee ($millions) | 212.7593% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 745 |
| Loan loss allowance to noncurrent loans | 17.6231% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5092% | 2,680 |
| Noncurrent loans to loans | 10.1431% | 29 |
| Net loans and leases to total assets | 4.5988% | 5,443 |
| Net loans and leases to deposits | 5.1473% | 5,445 |
| Net loans and leases to core deposits | 24.6621% | 5,381 |
| Total domestic deposits to total assets | 89.3447% | 722 |
| Equity capital to assets | 7.1294% | 5,369 |
| Core capital (leverage) ratio | 7.0975% | 5,424 |
| Tier 1 risk-based capital ratio | 34.5746% | 331 |
| Total risk-based capital ratio | 34.9831% | 347 |
| Memoranda: | ||
| Average total assets | $49,081,299,000 | 42 |
| Average earning assets | $47,816,074,500 | 42 |
| Average equity | $3,632,220,500 | 63 |
| Average total loans | $2,507,204,000 | 281 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7709% | 5,415 |
| Cost of funding earning assets | 0.0943% | 5,418 |
| Net interest margin | 2.6765% | 5,233 |
| Noninterest income to average assets | 0.0678% | 5,358 |
| Noninterest expense to average assets | 1.3964% | 5,396 |
| Loan and lease loss provision to assets | -0.1648% | 5,462 |
| Net operating income to assets | 1.0574% | 2,769 |
| Return on assets (ROA) | 1.1299% | 2,479 |
| Pretax return on assets | 1.5392% | 1,682 |
| Return on Equity (ROE) | 15.0851% | 825 |
| Retained earnings to average equity (ytd only) | 15.0851% | 194 |
| Net charge-offs to loans | -1.5676% | 5,498 |
| Credit loss provision to net charge-offs | 200.2325% | 1,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8898% | 4,904 |
| Assets per employee ($millions) | 212.6303% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2048% | 367 |
| Loan loss allowance to noncurrent loans | 20.9429% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 2,547 |
| Noncurrent loans to loans | 10.5274% | 29 |
| Net loans and leases to total assets | 4.8355% | 5,504 |
| Net loans and leases to deposits | 5.4315% | 5,508 |
| Net loans and leases to core deposits | 24.5698% | 5,444 |
| Total domestic deposits to total assets | 89.0269% | 920 |
| Equity capital to assets | 7.3623% | 5,407 |
| Core capital (leverage) ratio | 7.1596% | 5,474 |
| Tier 1 risk-based capital ratio | 34.9209% | 332 |
| Total risk-based capital ratio | 35.4552% | 340 |
| Memoranda: | ||
| Average total assets | $49,130,184,000 | 42 |
| Average earning assets | $47,932,818,670 | 42 |
| Average equity | $3,680,050,330 | 62 |
| Average total loans | $2,579,148,670 | 276 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7161% | 5,476 |
| Cost of funding earning assets | 0.0661% | 5,520 |
| Net interest margin | 2.6500% | 5,290 |
| Noninterest income to average assets | 0.0142% | 5,541 |
| Noninterest expense to average assets | 1.3479% | 5,474 |
| Loan and lease loss provision to assets | -0.1731% | 5,543 |
| Net operating income to assets | 1.1291% | 2,287 |
| Return on assets (ROA) | 1.2001% | 2,017 |
| Pretax return on assets | 1.5195% | 1,627 |
| Return on Equity (ROE) | 15.8855% | 642 |
| Retained earnings to average equity (ytd only) | 15.8855% | 255 |
| Net charge-offs to loans | -0.7967% | 5,528 |
| Credit loss provision to net charge-offs | 402.2508% | 690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7535% | 4,978 |
| Assets per employee ($millions) | 1,098.5368% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2553% | 349 |
| Loan loss allowance to noncurrent loans | 21.2963% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 2,535 |
| Noncurrent loans to loans | 10.5901% | 21 |
| Net loans and leases to total assets | 5.0699% | 5,567 |
| Net loans and leases to deposits | 5.7688% | 5,573 |
| Net loans and leases to core deposits | 27.0833% | 5,484 |
| Total domestic deposits to total assets | 87.8851% | 1,688 |
| Equity capital to assets | 7.5267% | 5,408 |
| Core capital (leverage) ratio | 7.5913% | 5,494 |
| Tier 1 risk-based capital ratio | 37.4279% | 267 |
| Total risk-based capital ratio | 37.9986% | 277 |
| Memoranda: | ||
| Average total assets | $49,136,478,000 | 44 |
| Average earning assets | $48,029,783,500 | 43 |
| Average equity | $3,711,978,500 | 61 |
| Average total loans | $2,654,414,000 | 275 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6537% | 5,511 |
| Cost of funding earning assets | 0.0388% | 5,627 |
| Net interest margin | 2.6149% | 5,340 |
| Noninterest income to average assets | -0.0186% | 5,633 |
| Noninterest expense to average assets | 1.2441% | 5,576 |
| Loan and lease loss provision to assets | -0.3828% | 5,629 |
| Net operating income to assets | 0.8217% | 3,072 |
| Return on assets (ROA) | 0.8798% | 2,838 |
| Pretax return on assets | 1.7392% | 919 |
| Return on Equity (ROE) | 11.1874% | 1,408 |
| Retained earnings to average equity (ytd only) | 11.1874% | 230 |
| Net charge-offs to loans | -0.6536% | 5,617 |
| Credit loss provision to net charge-offs | 796.5545% | 427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5717% | 5,241 |
| Assets per employee ($millions) | 1,085.3066% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6891% | 199 |
| Loan loss allowance to noncurrent loans | 24.9637% | 4,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 2,348 |
| Noncurrent loans to loans | 10.7719% | 19 |
| Net loans and leases to total assets | 5.4689% | 5,633 |
| Net loans and leases to deposits | 6.1971% | 5,637 |
| Net loans and leases to core deposits | 30.3630% | 5,524 |
| Total domestic deposits to total assets | 88.2495% | 1,376 |
| Equity capital to assets | 7.5825% | 5,526 |
| Core capital (leverage) ratio | 7.5584% | 5,550 |
| Tier 1 risk-based capital ratio | 35.6668% | 302 |
| Total risk-based capital ratio | 36.3941% | 309 |
| Memoranda: | ||
| Average total assets | $43,845,567,600 | 46 |
| Average earning assets | $42,395,337,400 | 44 |
| Average equity | $3,447,966,400 | 59 |
| Average total loans | $3,223,986,200 | 227 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6543% | 5,579 |
| Cost of funding earning assets | 0.0365% | 5,697 |
| Net interest margin | 2.6178% | 5,394 |
| Noninterest income to average assets | -0.0014% | 5,693 |
| Noninterest expense to average assets | 1.2345% | 5,643 |
| Loan and lease loss provision to assets | -0.4446% | 5,709 |
| Net operating income to assets | 1.0898% | 2,132 |
| Return on assets (ROA) | 1.1404% | 1,968 |
| Pretax return on assets | 1.8121% | 863 |
| Return on Equity (ROE) | 14.3550% | 764 |
| Retained earnings to average equity (ytd only) | 14.3550% | 140 |
| Net charge-offs to loans | -0.6298% | 5,671 |
| Credit loss provision to net charge-offs | 899.3352% | 395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9341% | 5,292 |
| Assets per employee ($millions) | 1,022.3533% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2162% | 126 |
| Loan loss allowance to noncurrent loans | 30.6969% | 4,927 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 2,378 |
| Noncurrent loans to loans | 10.4772% | 24 |
| Net loans and leases to total assets | 6.0357% | 5,699 |
| Net loans and leases to deposits | 6.7972% | 5,703 |
| Net loans and leases to core deposits | 32.9164% | 5,565 |
| Total domestic deposits to total assets | 88.7973% | 974 |
| Equity capital to assets | 7.6711% | 5,600 |
| Core capital (leverage) ratio | 7.6678% | 5,599 |
| Tier 1 risk-based capital ratio | 35.4763% | 317 |
| Total risk-based capital ratio | 36.4155% | 317 |
| Memoranda: | ||
| Average total assets | $42,597,259,750 | 46 |
| Average earning assets | $41,074,638,500 | 44 |
| Average equity | $3,384,159,250 | 59 |
| Average total loans | $3,343,798,000 | 223 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6452% | 5,613 |
| Cost of funding earning assets | 0.0309% | 5,743 |
| Net interest margin | 2.6143% | 5,426 |
| Noninterest income to average assets | -0.0065% | 5,742 |
| Noninterest expense to average assets | 1.1775% | 5,707 |
| Loan and lease loss provision to assets | -0.5472% | 5,763 |
| Net operating income to assets | 1.1780% | 1,675 |
| Return on assets (ROA) | 1.2340% | 1,518 |
| Pretax return on assets | 1.9684% | 560 |
| Return on Equity (ROE) | 15.3318% | 618 |
| Retained earnings to average equity (ytd only) | 15.3318% | 126 |
| Net charge-offs to loans | -0.4312% | 5,681 |
| Credit loss provision to net charge-offs | 1,499.1739% | 295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8891% | 5,442 |
| Assets per employee ($millions) | 968.1733% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6455% | 82 |
| Loan loss allowance to noncurrent loans | 35.8499% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 2,280 |
| Noncurrent loans to loans | 10.1687% | 23 |
| Net loans and leases to total assets | 6.7130% | 5,747 |
| Net loans and leases to deposits | 7.5715% | 5,751 |
| Net loans and leases to core deposits | 35.3538% | 5,579 |
| Total domestic deposits to total assets | 88.6613% | 1,124 |
| Equity capital to assets | 7.6584% | 5,629 |
| Core capital (leverage) ratio | 7.9484% | 5,555 |
| Tier 1 risk-based capital ratio | 35.0818% | 303 |
| Total risk-based capital ratio | 36.2562% | 301 |
| Memoranda: | ||
| Average total assets | $41,120,262,000 | 47 |
| Average earning assets | $39,602,677,670 | 45 |
| Average equity | $3,309,677,330 | 58 |
| Average total loans | $3,480,796,000 | 217 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6666% | 5,661 |
| Cost of funding earning assets | 0.0253% | 5,811 |
| Net interest margin | 2.6413% | 5,441 |
| Noninterest income to average assets | -0.0048% | 5,822 |
| Noninterest expense to average assets | 1.1598% | 5,777 |
| Loan and lease loss provision to assets | -0.1431% | 5,774 |
| Net operating income to assets | 0.9239% | 2,646 |
| Return on assets (ROA) | 0.9762% | 2,464 |
| Pretax return on assets | 1.5997% | 1,239 |
| Return on Equity (ROE) | 11.7942% | 1,305 |
| Retained earnings to average equity (ytd only) | 11.7942% | 496 |
| Net charge-offs to loans | -0.6623% | 5,762 |
| Credit loss provision to net charge-offs | 231.3455% | 926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7562% | 5,541 |
| Assets per employee ($millions) | 779.3307% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0753% | 27 |
| Loan loss allowance to noncurrent loans | 61.6886% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 2,088 |
| Noncurrent loans to loans | 9.8483% | 34 |
| Net loans and leases to total assets | 7.8128% | 5,813 |
| Net loans and leases to deposits | 8.7226% | 5,813 |
| Net loans and leases to core deposits | 31.6659% | 5,674 |
| Total domestic deposits to total assets | 89.5700% | 867 |
| Equity capital to assets | 7.8190% | 5,595 |
| Core capital (leverage) ratio | 8.0522% | 5,538 |
| Tier 1 risk-based capital ratio | 35.0217% | 323 |
| Total risk-based capital ratio | 36.2920% | 318 |
| Memoranda: | ||
| Average total assets | $38,928,320,000 | 49 |
| Average earning assets | $37,429,075,500 | 46 |
| Average equity | $3,222,067,000 | 60 |
| Average total loans | $3,636,066,000 | 203 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6148% | 5,721 |
| Cost of funding earning assets | 0.0113% | 5,882 |
| Net interest margin | 2.6035% | 5,513 |
| Noninterest income to average assets | -0.0048% | 5,867 |
| Noninterest expense to average assets | 1.1057% | 5,842 |
| Loan and lease loss provision to assets | -0.4207% | 5,866 |
| Net operating income to assets | 1.1244% | 1,802 |
| Return on assets (ROA) | 1.2208% | 1,527 |
| Pretax return on assets | 1.9543% | 558 |
| Return on Equity (ROE) | 13.5736% | 854 |
| Retained earnings to average equity (ytd only) | 13.5736% | 146 |
| Net charge-offs to loans | -0.3715% | 5,811 |
| Credit loss provision to net charge-offs | 917.8954% | 412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4302% | 5,682 |
| Assets per employee ($millions) | 586.4390% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8485% | 27 |
| Loan loss allowance to noncurrent loans | 62.4316% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 1,733 |
| Noncurrent loans to loans | 9.3679% | 34 |
| Net loans and leases to total assets | 9.9264% | 5,862 |
| Net loans and leases to deposits | 11.1064% | 5,863 |
| Net loans and leases to core deposits | 34.1969% | 5,703 |
| Total domestic deposits to total assets | 89.3757% | 910 |
| Equity capital to assets | 8.8156% | 4,998 |
| Core capital (leverage) ratio | 8.7676% | 5,005 |
| Tier 1 risk-based capital ratio | 38.2561% | 247 |
| Total risk-based capital ratio | 39.5371% | 243 |
| Memoranda: | ||
| Average total assets | $35,457,935,400 | 51 |
| Average earning assets | $33,959,372,000 | 49 |
| Average equity | $3,188,984,000 | 58 |
| Average total loans | $4,373,948,800 | 178 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6258% | 5,791 |
| Cost of funding earning assets | 0.0105% | 5,950 |
| Net interest margin | 2.6153% | 5,576 |
| Noninterest income to average assets | -0.0175% | 5,942 |
| Noninterest expense to average assets | 1.1140% | 5,904 |
| Loan and lease loss provision to assets | -0.4935% | 5,943 |
| Net operating income to assets | 1.1401% | 1,848 |
| Return on assets (ROA) | 1.2520% | 1,552 |
| Pretax return on assets | 2.0415% | 523 |
| Return on Equity (ROE) | 13.8517% | 857 |
| Retained earnings to average equity (ytd only) | 13.8517% | 181 |
| Net charge-offs to loans | -0.3591% | 5,852 |
| Credit loss provision to net charge-offs | 1,074.6820% | 380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7907% | 5,719 |
| Assets per employee ($millions) | 565.8460% | 2 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7711% | 32 |
| Loan loss allowance to noncurrent loans | 61.4438% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 1,740 |
| Noncurrent loans to loans | 9.3925% | 42 |
| Net loans and leases to total assets | 10.7508% | 5,929 |
| Net loans and leases to deposits | 11.9847% | 5,934 |
| Net loans and leases to core deposits | 38.3623% | 5,715 |
| Total domestic deposits to total assets | 89.7045% | 590 |
| Equity capital to assets | 9.1955% | 4,980 |
| Core capital (leverage) ratio | 8.4938% | 5,361 |
| Tier 1 risk-based capital ratio | 36.6720% | 298 |
| Total risk-based capital ratio | 37.9590% | 295 |
| Memoranda: | ||
| Average total assets | $35,379,223,750 | 52 |
| Average earning assets | $33,883,151,500 | 50 |
| Average equity | $3,197,832,500 | 58 |
| Average total loans | $4,524,555,750 | 175 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6321% | 5,860 |
| Cost of funding earning assets | 0.0104% | 6,026 |
| Net interest margin | 2.6217% | 5,646 |
| Noninterest income to average assets | -0.0173% | 6,022 |
| Noninterest expense to average assets | 1.0879% | 5,989 |
| Loan and lease loss provision to assets | -0.3892% | 6,002 |
| Net operating income to assets | 1.1051% | 1,939 |
| Return on assets (ROA) | 1.2121% | 1,652 |
| Pretax return on assets | 1.9599% | 622 |
| Return on Equity (ROE) | 13.4885% | 929 |
| Retained earnings to average equity (ytd only) | 13.4885% | 215 |
| Net charge-offs to loans | -0.3471% | 5,903 |
| Credit loss provision to net charge-offs | 846.0885% | 422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6643% | 5,820 |
| Assets per employee ($millions) | 422.7499% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6856% | 18 |
| Loan loss allowance to noncurrent loans | 70.5070% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 1.2024% | 1,730 |
| Noncurrent loans to loans | 9.4821% | 42 |
| Net loans and leases to total assets | 11.1165% | 6,005 |
| Net loans and leases to deposits | 12.3008% | 6,009 |
| Net loans and leases to core deposits | 43.2932% | 5,642 |
| Total domestic deposits to total assets | 90.3720% | 361 |
| Equity capital to assets | 8.7187% | 5,470 |
| Core capital (leverage) ratio | 8.1505% | 5,630 |
| Tier 1 risk-based capital ratio | 34.2081% | 356 |
| Total risk-based capital ratio | 35.5095% | 346 |
| Memoranda: | ||
| Average total assets | $35,289,532,670 | 51 |
| Average earning assets | $33,770,356,330 | 50 |
| Average equity | $3,171,097,330 | 58 |
| Average total loans | $4,677,007,670 | 168 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6570% | 5,920 |
| Cost of funding earning assets | 0.0106% | 6,085 |
| Net interest margin | 2.6464% | 5,672 |
| Noninterest income to average assets | -0.0000% | 6,085 |
| Noninterest expense to average assets | 1.0917% | 6,058 |
| Loan and lease loss provision to assets | -0.4001% | 6,069 |
| Net operating income to assets | 1.1385% | 1,754 |
| Return on assets (ROA) | 1.2489% | 1,510 |
| Pretax return on assets | 2.0119% | 549 |
| Return on Equity (ROE) | 13.6817% | 899 |
| Retained earnings to average equity (ytd only) | -17.7774% | 5,941 |
| Net charge-offs to loans | -0.2433% | 5,890 |
| Credit loss provision to net charge-offs | 1,177.1380% | 335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1318% | 5,891 |
| Assets per employee ($millions) | 406.0176% | 3 |
| Cash dividends to net income (ytd only)* | 229.9362% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8739% | 19 |
| Loan loss allowance to noncurrent loans | 75.3420% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.2679% | 1,707 |
| Noncurrent loans to loans | 9.1236% | 52 |
| Net loans and leases to total assets | 12.2046% | 6,064 |
| Net loans and leases to deposits | 13.5827% | 6,068 |
| Net loans and leases to core deposits | 44.4356% | 5,646 |
| Total domestic deposits to total assets | 89.8536% | 653 |
| Equity capital to assets | 8.7486% | 5,382 |
| Core capital (leverage) ratio | 8.5589% | 5,335 |
| Tier 1 risk-based capital ratio | 33.2979% | 386 |
| Total risk-based capital ratio | 34.6049% | 377 |
| Memoranda: | ||
| Average total assets | $34,544,677,000 | 51 |
| Average earning assets | $33,040,610,000 | 50 |
| Average equity | $3,153,302,500 | 57 |
| Average total loans | $4,824,766,000 | 163 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4447% | 6,018 |
| Cost of funding earning assets | 0.2949% | 4,310 |
| Net interest margin | 2.1498% | 6,005 |
| Noninterest income to average assets | -0.7605% | 6,177 |
| Noninterest expense to average assets | 1.0993% | 6,104 |
| Loan and lease loss provision to assets | -0.1012% | 5,856 |
| Net operating income to assets | 0.2195% | 5,536 |
| Return on assets (ROA) | 0.3012% | 5,437 |
| Pretax return on assets | 0.3629% | 5,400 |
| Return on Equity (ROE) | 2.8437% | 5,355 |
| Retained earnings to average equity (ytd only) | -3.9222% | 5,866 |
| Net charge-offs to loans | 0.0992% | 2,427 |
| Credit loss provision to net charge-offs | -374.2879% | 5,384 |
| Earnings coverage of net charge-offs (x) | 6.0400% | 3,289 |
| Efficiency ratio | 86.7238% | 938 |
| Assets per employee ($millions) | 374.8292% | 3 |
| Cash dividends to net income (ytd only)* | 237.9299% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1167% | 16 |
| Loan loss allowance to noncurrent loans | 84.0315% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.3425% | 1,573 |
| Noncurrent loans to loans | 8.4691% | 68 |
| Net loans and leases to total assets | 13.8296% | 6,113 |
| Net loans and leases to deposits | 15.4512% | 6,119 |
| Net loans and leases to core deposits | 40.5901% | 5,802 |
| Total domestic deposits to total assets | 89.5051% | 853 |
| Equity capital to assets | 9.5347% | 4,519 |
| Core capital (leverage) ratio | 9.7374% | 3,852 |
| Tier 1 risk-based capital ratio | 36.5016% | 296 |
| Total risk-based capital ratio | 37.8093% | 293 |
| Memoranda: | ||
| Average total assets | $39,212,614,000 | 44 |
| Average earning assets | $36,902,459,400 | 43 |
| Average equity | $4,153,183,200 | 45 |
| Average total loans | $10,685,220,200 | 84 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4636% | 6,099 |
| Cost of funding earning assets | 0.3770% | 3,474 |
| Net interest margin | 2.0866% | 6,103 |
| Noninterest income to average assets | -0.9803% | 6,264 |
| Noninterest expense to average assets | 1.1360% | 6,189 |
| Loan and lease loss provision to assets | -0.0573% | 5,928 |
| Net operating income to assets | 0.0094% | 5,928 |
| Return on assets (ROA) | 0.0695% | 5,915 |
| Pretax return on assets | -0.0072% | 5,971 |
| Return on Equity (ROE) | 0.6431% | 5,907 |
| Retained earnings to average equity (ytd only) | -7.8790% | 6,090 |
| Net charge-offs to loans | 0.1119% | 2,011 |
| Credit loss provision to net charge-offs | -171.9528% | 5,143 |
| Earnings coverage of net charge-offs (x) | -4.7546% | 4,126 |
| Efficiency ratio | 115.6368% | 110 |
| Assets per employee ($millions) | 342.5829% | 3 |
| Cash dividends to net income (ytd only)* | 1,325.0967% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1200% | 19 |
| Loan loss allowance to noncurrent loans | 88.5761% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 1.5288% | 1,462 |
| Noncurrent loans to loans | 8.0383% | 69 |
| Net loans and leases to total assets | 16.6537% | 6,177 |
| Net loans and leases to deposits | 18.8703% | 6,195 |
| Net loans and leases to core deposits | 49.8897% | 5,578 |
| Total domestic deposits to total assets | 88.2534% | 1,424 |
| Equity capital to assets | 10.7640% | 3,285 |
| Core capital (leverage) ratio | 9.1817% | 4,751 |
| Tier 1 risk-based capital ratio | 35.9679% | 328 |
| Total risk-based capital ratio | 37.2852% | 325 |
| Memoranda: | ||
| Average total assets | $40,675,817,000 | 42 |
| Average earning assets | $38,167,025,000 | 41 |
| Average equity | $4,396,286,250 | 45 |
| Average total loans | $12,114,771,000 | 78 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4244% | 6,190 |
| Cost of funding earning assets | 0.3922% | 3,354 |
| Net interest margin | 2.0322% | 6,204 |
| Noninterest income to average assets | 0.3251% | 4,621 |
| Noninterest expense to average assets | 0.9879% | 6,292 |
| Loan and lease loss provision to assets | 0.0344% | 3,427 |
| Net operating income to assets | 0.8738% | 3,022 |
| Return on assets (ROA) | 0.9319% | 2,845 |
| Pretax return on assets | 1.2844% | 2,420 |
| Return on Equity (ROE) | 8.6141% | 2,745 |
| Retained earnings to average equity (ytd only) | 1.6624% | 4,866 |
| Net charge-offs to loans | 0.1324% | 1,708 |
| Credit loss provision to net charge-offs | 80.1008% | 2,332 |
| Earnings coverage of net charge-offs (x) | 28.8813% | 1,393 |
| Efficiency ratio | 44.0168% | 6,111 |
| Assets per employee ($millions) | 237.9740% | 8 |
| Cash dividends to net income (ytd only)* | 80.7013% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8515% | 316 |
| Loan loss allowance to noncurrent loans | 87.9475% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.0909% | 2,330 |
| Noncurrent loans to loans | 3.2423% | 576 |
| Net loans and leases to total assets | 30.9320% | 6,011 |
| Net loans and leases to deposits | 38.9295% | 5,942 |
| Net loans and leases to core deposits | 73.3435% | 4,012 |
| Total domestic deposits to total assets | 79.4565% | 4,990 |
| Equity capital to assets | 9.3667% | 4,824 |
| Core capital (leverage) ratio | 9.7595% | 3,927 |
| Tier 1 risk-based capital ratio | 45.3668% | 191 |
| Total risk-based capital ratio | 46.6619% | 190 |
| Memoranda: | ||
| Average total assets | $44,413,714,000 | 41 |
| Average earning assets | $41,568,015,330 | 40 |
| Average equity | $4,804,612,330 | 41 |
| Average total loans | $14,392,141,330 | 67 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5847% | 6,187 |
| Cost of funding earning assets | 0.4000% | 3,306 |
| Net interest margin | 2.1847% | 6,215 |
| Noninterest income to average assets | 0.5393% | 3,027 |
| Noninterest expense to average assets | 1.2383% | 6,310 |
| Loan and lease loss provision to assets | 0.0446% | 3,031 |
| Net operating income to assets | 0.7761% | 3,387 |
| Return on assets (ROA) | 0.8317% | 3,232 |
| Pretax return on assets | 1.3713% | 1,995 |
| Return on Equity (ROE) | 7.2069% | 3,401 |
| Retained earnings to average equity (ytd only) | 1.3634% | 4,942 |
| Net charge-offs to loans | 0.1818% | 1,200 |
| Credit loss provision to net charge-offs | 75.0227% | 1,874 |
| Earnings coverage of net charge-offs (x) | 22.3651% | 1,353 |
| Efficiency ratio | 47.6362% | 6,039 |
| Assets per employee ($millions) | 253.1748% | 7 |
| Cash dividends to net income (ytd only)* | 81.0820% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7641% | 379 |
| Loan loss allowance to noncurrent loans | 85.1275% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.1394% | 2,356 |
| Noncurrent loans to loans | 3.2470% | 633 |
| Net loans and leases to total assets | 31.9279% | 6,004 |
| Net loans and leases to deposits | 40.9852% | 5,879 |
| Net loans and leases to core deposits | 78.1792% | 3,359 |
| Total domestic deposits to total assets | 77.9012% | 5,472 |
| Equity capital to assets | 9.4015% | 4,853 |
| Core capital (leverage) ratio | 9.8282% | 3,850 |
| Tier 1 risk-based capital ratio | 42.3686% | 229 |
| Total risk-based capital ratio | 43.6611% | 225 |
| Memoranda: | ||
| Average total assets | $44,488,988,500 | 41 |
| Average earning assets | $41,300,832,500 | 40 |
| Average equity | $5,133,924,500 | 40 |
| Average total loans | $14,541,523,500 | 67 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1198% | 5,926 |
| Cost of funding earning assets | 0.4688% | 2,990 |
| Net interest margin | 2.6511% | 6,010 |
| Noninterest income to average assets | 1.3928% | 629 |
| Noninterest expense to average assets | 2.2491% | 5,245 |
| Loan and lease loss provision to assets | 0.0807% | 2,865 |
| Net operating income to assets | 0.9514% | 2,625 |
| Return on assets (ROA) | 1.0121% | 2,406 |
| Pretax return on assets | 1.5766% | 1,302 |
| Return on Equity (ROE) | 7.6395% | 3,303 |
| Retained earnings to average equity (ytd only) | 2.5871% | 4,400 |
| Net charge-offs to loans | 0.5694% | 712 |
| Credit loss provision to net charge-offs | 42.3691% | 3,627 |
| Earnings coverage of net charge-offs (x) | 8.2054% | 2,915 |
| Efficiency ratio | 57.7306% | 5,491 |
| Assets per employee ($millions) | 30.8938% | 32 |
| Cash dividends to net income (ytd only)* | 66.1354% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7779% | 387 |
| Loan loss allowance to noncurrent loans | 86.7282% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1227% | 2,508 |
| Noncurrent loans to loans | 3.2030% | 679 |
| Net loans and leases to total assets | 31.6332% | 6,127 |
| Net loans and leases to deposits | 42.6879% | 5,942 |
| Net loans and leases to core deposits | 82.3247% | 3,068 |
| Total domestic deposits to total assets | 74.1034% | 5,941 |
| Equity capital to assets | 13.6604% | 1,093 |
| Core capital (leverage) ratio | 10.6081% | 2,828 |
| Tier 1 risk-based capital ratio | 25.6717% | 786 |
| Total risk-based capital ratio | 26.9347% | 774 |
| Memoranda: | ||
| Average total assets | $44,821,376,400 | 39 |
| Average earning assets | $40,894,298,600 | 38 |
| Average equity | $5,937,736,600 | 37 |
| Average total loans | $14,990,472,400 | 57 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0980% | 6,034 |
| Cost of funding earning assets | 0.4828% | 2,926 |
| Net interest margin | 2.6152% | 6,115 |
| Noninterest income to average assets | 1.3948% | 639 |
| Noninterest expense to average assets | 2.2451% | 5,237 |
| Loan and lease loss provision to assets | 0.0775% | 2,792 |
| Net operating income to assets | 0.9482% | 2,693 |
| Return on assets (ROA) | 1.0140% | 2,451 |
| Pretax return on assets | 1.5580% | 1,457 |
| Return on Equity (ROE) | 7.7144% | 3,358 |
| Retained earnings to average equity (ytd only) | 2.6268% | 4,721 |
| Net charge-offs to loans | 0.6878% | 510 |
| Credit loss provision to net charge-offs | 33.4600% | 3,397 |
| Earnings coverage of net charge-offs (x) | 6.6250% | 3,049 |
| Efficiency ratio | 58.1082% | 5,427 |
| Assets per employee ($millions) | 32.5364% | 31 |
| Cash dividends to net income (ytd only)* | 65.9491% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6822% | 500 |
| Loan loss allowance to noncurrent loans | 83.2461% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.1641% | 2,619 |
| Noncurrent loans to loans | 3.2220% | 783 |
| Net loans and leases to total assets | 32.6978% | 6,158 |
| Net loans and leases to deposits | 44.1957% | 5,960 |
| Net loans and leases to core deposits | 85.7711% | 2,686 |
| Total domestic deposits to total assets | 73.9842% | 6,017 |
| Equity capital to assets | 13.5120% | 1,177 |
| Core capital (leverage) ratio | 10.4001% | 3,156 |
| Tier 1 risk-based capital ratio | 24.6124% | 913 |
| Total risk-based capital ratio | 25.8745% | 902 |
| Memoranda: | ||
| Average total assets | $44,858,623,750 | 39 |
| Average earning assets | $40,901,819,000 | 39 |
| Average equity | $5,896,561,000 | 38 |
| Average total loans | $15,104,323,250 | 58 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0989% | 6,063 |
| Cost of funding earning assets | 0.4969% | 2,867 |
| Net interest margin | 2.6020% | 6,167 |
| Noninterest income to average assets | 1.4394% | 585 |
| Noninterest expense to average assets | 2.3014% | 5,149 |
| Loan and lease loss provision to assets | 0.0702% | 2,869 |
| Net operating income to assets | 0.9236% | 2,687 |
| Return on assets (ROA) | 0.9876% | 2,454 |
| Pretax return on assets | 1.5404% | 1,426 |
| Return on Equity (ROE) | 7.5834% | 3,327 |
| Retained earnings to average equity (ytd only) | 2.4616% | 4,643 |
| Net charge-offs to loans | 0.8888% | 409 |
| Credit loss provision to net charge-offs | 23.4527% | 3,145 |
| Earnings coverage of net charge-offs (x) | 5.0441% | 2,993 |
| Efficiency ratio | 59.0919% | 5,415 |
| Assets per employee ($millions) | 31.6395% | 33 |
| Cash dividends to net income (ytd only)* | 67.5396% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7650% | 489 |
| Loan loss allowance to noncurrent loans | 78.9908% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.2200% | 2,648 |
| Noncurrent loans to loans | 3.5004% | 759 |
| Net loans and leases to total assets | 31.7096% | 6,255 |
| Net loans and leases to deposits | 42.6336% | 6,044 |
| Net loans and leases to core deposits | 82.8407% | 2,877 |
| Total domestic deposits to total assets | 74.3770% | 6,076 |
| Equity capital to assets | 13.4197% | 1,190 |
| Core capital (leverage) ratio | 10.1517% | 3,412 |
| Tier 1 risk-based capital ratio | 24.7048% | 905 |
| Total risk-based capital ratio | 25.9677% | 889 |
| Memoranda: | ||
| Average total assets | $44,974,880,670 | 39 |
| Average earning assets | $41,009,833,000 | 39 |
| Average equity | $5,857,356,000 | 38 |
| Average total loans | $15,154,141,000 | 57 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0911% | 6,138 |
| Cost of funding earning assets | 0.5178% | 2,736 |
| Net interest margin | 2.5733% | 6,270 |
| Noninterest income to average assets | 1.5188% | 511 |
| Noninterest expense to average assets | 2.3365% | 5,107 |
| Loan and lease loss provision to assets | 0.0380% | 3,304 |
| Net operating income to assets | 0.9188% | 2,557 |
| Return on assets (ROA) | 1.0284% | 2,162 |
| Pretax return on assets | 1.6584% | 1,055 |
| Return on Equity (ROE) | 8.0163% | 2,920 |
| Retained earnings to average equity (ytd only) | 2.8430% | 4,387 |
| Net charge-offs to loans | 1.4086% | 227 |
| Credit loss provision to net charge-offs | 7.8754% | 2,626 |
| Earnings coverage of net charge-offs (x) | 3.1635% | 2,725 |
| Efficiency ratio | 59.2455% | 5,506 |
| Assets per employee ($millions) | 32.2584% | 35 |
| Cash dividends to net income (ytd only)* | 64.5344% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5590% | 758 |
| Loan loss allowance to noncurrent loans | 44.3549% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 2.0821% | 1,616 |
| Noncurrent loans to loans | 5.7693% | 332 |
| Net loans and leases to total assets | 33.8384% | 6,187 |
| Net loans and leases to deposits | 46.0240% | 5,848 |
| Net loans and leases to core deposits | 90.0997% | 1,897 |
| Total domestic deposits to total assets | 73.5234% | 6,274 |
| Equity capital to assets | 12.9238% | 1,339 |
| Core capital (leverage) ratio | 9.6736% | 4,030 |
| Tier 1 risk-based capital ratio | 22.7584% | 1,168 |
| Total risk-based capital ratio | 24.0199% | 1,152 |
| Memoranda: | ||
| Average total assets | $45,203,957,500 | 39 |
| Average earning assets | $41,156,787,500 | 38 |
| Average equity | $5,799,034,000 | 38 |
| Average total loans | $15,472,469,000 | 54 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9820% | 6,361 |
| Cost of funding earning assets | 0.5565% | 3,056 |
| Net interest margin | 2.4254% | 6,425 |
| Noninterest income to average assets | 1.3077% | 810 |
| Noninterest expense to average assets | 2.1260% | 5,778 |
| Loan and lease loss provision to assets | 0.3222% | 1,021 |
| Net operating income to assets | 0.6850% | 3,873 |
| Return on assets (ROA) | 0.7697% | 3,541 |
| Pretax return on assets | 1.1912% | 2,612 |
| Return on Equity (ROE) | 5.9662% | 4,104 |
| Retained earnings to average equity (ytd only) | 2.9201% | 4,167 |
| Net charge-offs to loans | 1.0844% | 520 |
| Credit loss provision to net charge-offs | 83.7723% | 2,931 |
| Earnings coverage of net charge-offs (x) | 3.5962% | 3,815 |
| Efficiency ratio | 59.1277% | 5,588 |
| Assets per employee ($millions) | 32.2726% | 32 |
| Cash dividends to net income (ytd only)* | 51.0560% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9789% | 485 |
| Loan loss allowance to noncurrent loans | 64.0661% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.6788% | 2,198 |
| Noncurrent loans to loans | 4.6497% | 562 |
| Net loans and leases to total assets | 32.7219% | 6,352 |
| Net loans and leases to deposits | 44.6465% | 6,089 |
| Net loans and leases to core deposits | 88.6424% | 2,172 |
| Total domestic deposits to total assets | 73.2909% | 6,329 |
| Equity capital to assets | 12.7329% | 1,405 |
| Core capital (leverage) ratio | 9.5108% | 4,245 |
| Tier 1 risk-based capital ratio | 22.9849% | 1,101 |
| Total risk-based capital ratio | 24.2545% | 1,074 |
| Memoranda: | ||
| Average total assets | $44,531,536,600 | 38 |
| Average earning assets | $40,417,087,200 | 38 |
| Average equity | $5,745,072,200 | 38 |
| Average total loans | $15,792,857,800 | 51 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9534% | 6,461 |
| Cost of funding earning assets | 0.5569% | 3,194 |
| Net interest margin | 2.3965% | 6,521 |
| Noninterest income to average assets | 1.2906% | 887 |
| Noninterest expense to average assets | 2.0769% | 5,877 |
| Loan and lease loss provision to assets | 0.3790% | 817 |
| Net operating income to assets | 0.6513% | 4,115 |
| Return on assets (ROA) | 0.7418% | 3,766 |
| Pretax return on assets | 1.1504% | 2,891 |
| Return on Equity (ROE) | 5.7307% | 4,328 |
| Retained earnings to average equity (ytd only) | 3.4104% | 4,258 |
| Net charge-offs to loans | 1.2382% | 434 |
| Credit loss provision to net charge-offs | 85.2528% | 2,725 |
| Earnings coverage of net charge-offs (x) | 3.1224% | 3,793 |
| Efficiency ratio | 58.4562% | 5,634 |
| Assets per employee ($millions) | 33.4805% | 37 |
| Cash dividends to net income (ytd only)* | 40.4889% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9805% | 563 |
| Loan loss allowance to noncurrent loans | 61.9980% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.7755% | 2,310 |
| Noncurrent loans to loans | 4.8074% | 646 |
| Net loans and leases to total assets | 33.6488% | 6,376 |
| Net loans and leases to deposits | 46.3153% | 6,077 |
| Net loans and leases to core deposits | 93.7691% | 1,592 |
| Total domestic deposits to total assets | 72.6515% | 6,457 |
| Equity capital to assets | 12.9584% | 1,347 |
| Core capital (leverage) ratio | 9.4792% | 4,440 |
| Tier 1 risk-based capital ratio | 22.2026% | 1,283 |
| Total risk-based capital ratio | 23.4723% | 1,257 |
| Memoranda: | ||
| Average total assets | $44,393,202,500 | 38 |
| Average earning assets | $40,278,857,250 | 38 |
| Average equity | $5,746,192,250 | 38 |
| Average total loans | $15,939,680,500 | 51 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9536% | 6,487 |
| Cost of funding earning assets | 0.5534% | 3,376 |
| Net interest margin | 2.4002% | 6,554 |
| Noninterest income to average assets | 1.2934% | 925 |
| Noninterest expense to average assets | 2.1149% | 5,842 |
| Loan and lease loss provision to assets | 0.4001% | 777 |
| Net operating income to assets | 0.6359% | 4,125 |
| Return on assets (ROA) | 0.7309% | 3,829 |
| Pretax return on assets | 1.1002% | 3,095 |
| Return on Equity (ROE) | 5.6487% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.6487% | 2,643 |
| Net charge-offs to loans | 1.4715% | 362 |
| Credit loss provision to net charge-offs | 74.8702% | 2,726 |
| Earnings coverage of net charge-offs (x) | 2.5384% | 3,678 |
| Efficiency ratio | 59.4464% | 5,549 |
| Assets per employee ($millions) | 33.2714% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8652% | 663 |
| Loan loss allowance to noncurrent loans | 57.2229% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 1.8775% | 2,304 |
| Noncurrent loans to loans | 5.0071% | 643 |
| Net loans and leases to total assets | 34.7834% | 6,375 |
| Net loans and leases to deposits | 48.5117% | 5,948 |
| Net loans and leases to core deposits | 96.8226% | 1,288 |
| Total domestic deposits to total assets | 71.7011% | 6,575 |
| Equity capital to assets | 13.0813% | 1,320 |
| Core capital (leverage) ratio | 9.4926% | 4,255 |
| Tier 1 risk-based capital ratio | 21.6803% | 1,356 |
| Total risk-based capital ratio | 22.9492% | 1,323 |
| Memoranda: | ||
| Average total assets | $44,392,551,000 | 38 |
| Average earning assets | $40,281,142,670 | 39 |
| Average equity | $5,743,961,670 | 38 |
| Average total loans | $16,120,456,330 | 48 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9256% | 6,584 |
| Cost of funding earning assets | 0.5476% | 3,596 |
| Net interest margin | 2.3780% | 6,618 |
| Noninterest income to average assets | 1.2175% | 1,024 |
| Noninterest expense to average assets | 2.1915% | 5,709 |
| Loan and lease loss provision to assets | 0.3824% | 831 |
| Net operating income to assets | 0.4514% | 4,904 |
| Return on assets (ROA) | 0.5353% | 4,662 |
| Pretax return on assets | 0.9338% | 3,640 |
| Return on Equity (ROE) | 4.1600% | 5,012 |
| Retained earnings to average equity (ytd only) | 4.1600% | 3,725 |
| Net charge-offs to loans | 1.6766% | 302 |
| Credit loss provision to net charge-offs | 62.3821% | 2,409 |
| Earnings coverage of net charge-offs (x) | 1.9333% | 3,194 |
| Efficiency ratio | 63.3894% | 5,096 |
| Assets per employee ($millions) | 33.2934% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8383% | 787 |
| Loan loss allowance to noncurrent loans | 51.3518% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 2.1566% | 2,173 |
| Noncurrent loans to loans | 5.5272% | 648 |
| Net loans and leases to total assets | 35.7966% | 6,310 |
| Net loans and leases to deposits | 49.4883% | 5,824 |
| Net loans and leases to core deposits | 99.9908% | 950 |
| Total domestic deposits to total assets | 72.3335% | 6,643 |
| Equity capital to assets | 13.2816% | 1,303 |
| Core capital (leverage) ratio | 9.2588% | 4,465 |
| Tier 1 risk-based capital ratio | 20.6572% | 1,623 |
| Total risk-based capital ratio | 21.9265% | 1,585 |
| Memoranda: | ||
| Average total assets | $44,613,042,500 | 38 |
| Average earning assets | $40,506,296,000 | 39 |
| Average equity | $5,741,218,000 | 37 |
| Average total loans | $16,311,281,000 | 47 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1922% | 6,664 |
| Cost of funding earning assets | 0.6637% | 3,798 |
| Net interest margin | 2.5284% | 6,693 |
| Noninterest income to average assets | 1.0423% | 1,429 |
| Noninterest expense to average assets | 2.2404% | 5,834 |
| Loan and lease loss provision to assets | 0.7501% | 668 |
| Net operating income to assets | 0.1427% | 5,904 |
| Return on assets (ROA) | 0.4004% | 5,344 |
| Pretax return on assets | 0.7521% | 4,470 |
| Return on Equity (ROE) | 3.3786% | 5,398 |
| Retained earnings to average equity (ytd only) | 2.3434% | 4,582 |
| Net charge-offs to loans | 4.0279% | 72 |
| Credit loss provision to net charge-offs | 50.9023% | 4,678 |
| Earnings coverage of net charge-offs (x) | 0.7462% | 5,104 |
| Efficiency ratio | 65.5790% | 4,587 |
| Assets per employee ($millions) | 41.4054% | 36 |
| Cash dividends to net income (ytd only)* | 30.6377% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8977% | 739 |
| Loan loss allowance to noncurrent loans | 53.4219% | 4,960 |
| Noncurrent assets plus other real estate owned to assets | 2.1115% | 2,321 |
| Noncurrent loans to loans | 5.4242% | 688 |
| Net loans and leases to total assets | 35.2428% | 6,482 |
| Net loans and leases to deposits | 47.5753% | 6,135 |
| Net loans and leases to core deposits | 105.5391% | 712 |
| Total domestic deposits to total assets | 74.0780% | 6,520 |
| Equity capital to assets | 12.4761% | 1,733 |
| Core capital (leverage) ratio | 8.6802% | 5,356 |
| Tier 1 risk-based capital ratio | 19.3365% | 1,860 |
| Total risk-based capital ratio | 20.6075% | 1,824 |
| Memoranda: | ||
| Average total assets | $47,281,491,200 | 37 |
| Average earning assets | $42,966,145,600 | 37 |
| Average equity | $5,603,236,600 | 36 |
| Average total loans | $17,296,764,200 | 46 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1882% | 6,801 |
| Cost of funding earning assets | 0.6618% | 4,086 |
| Net interest margin | 2.5264% | 6,807 |
| Noninterest income to average assets | 1.0491% | 1,381 |
| Noninterest expense to average assets | 2.2178% | 5,910 |
| Loan and lease loss provision to assets | 0.7837% | 614 |
| Net operating income to assets | 0.1938% | 5,937 |
| Return on assets (ROA) | 0.3982% | 5,474 |
| Pretax return on assets | 0.6638% | 4,972 |
| Return on Equity (ROE) | 3.4031% | 5,533 |
| Retained earnings to average equity (ytd only) | 3.4031% | 4,472 |
| Net charge-offs to loans | 4.5383% | 57 |
| Credit loss provision to net charge-offs | 47.1159% | 4,464 |
| Earnings coverage of net charge-offs (x) | 0.6782% | 4,986 |
| Efficiency ratio | 64.7998% | 4,657 |
| Assets per employee ($millions) | 43.4127% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0146% | 701 |
| Loan loss allowance to noncurrent loans | 50.9082% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 2.1896% | 2,441 |
| Noncurrent loans to loans | 5.9217% | 700 |
| Net loans and leases to total assets | 33.5415% | 6,677 |
| Net loans and leases to deposits | 46.0051% | 6,386 |
| Net loans and leases to core deposits | 94.0661% | 1,582 |
| Total domestic deposits to total assets | 72.9083% | 6,684 |
| Equity capital to assets | 11.6425% | 2,603 |
| Core capital (leverage) ratio | 7.8689% | 6,422 |
| Tier 1 risk-based capital ratio | 18.0144% | 2,337 |
| Total risk-based capital ratio | 19.2854% | 2,301 |
| Memoranda: | ||
| Average total assets | $47,673,969,500 | 38 |
| Average earning assets | $43,342,076,500 | 37 |
| Average equity | $5,578,291,250 | 37 |
| Average total loans | $17,473,252,250 | 46 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2850% | 6,822 |
| Cost of funding earning assets | 0.6765% | 4,209 |
| Net interest margin | 2.6085% | 6,810 |
| Noninterest income to average assets | 1.0682% | 1,254 |
| Noninterest expense to average assets | 2.1479% | 6,128 |
| Loan and lease loss provision to assets | 0.5884% | 1,019 |
| Net operating income to assets | 0.4416% | 5,069 |
| Return on assets (ROA) | 0.5959% | 4,646 |
| Pretax return on assets | 0.9450% | 3,900 |
| Return on Equity (ROE) | 5.0844% | 4,770 |
| Retained earnings to average equity (ytd only) | 5.0844% | 3,234 |
| Net charge-offs to loans | 4.9359% | 65 |
| Credit loss provision to net charge-offs | 31.9088% | 4,409 |
| Earnings coverage of net charge-offs (x) | 0.7007% | 4,702 |
| Efficiency ratio | 60.9815% | 5,424 |
| Assets per employee ($millions) | 41.1056% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9725% | 802 |
| Loan loss allowance to noncurrent loans | 49.4162% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 2.4161% | 2,313 |
| Noncurrent loans to loans | 6.0152% | 726 |
| Net loans and leases to total assets | 36.4316% | 6,590 |
| Net loans and leases to deposits | 51.2474% | 6,082 |
| Net loans and leases to core deposits | 104.2063% | 846 |
| Total domestic deposits to total assets | 71.0897% | 6,850 |
| Equity capital to assets | 11.9503% | 2,185 |
| Core capital (leverage) ratio | 7.9257% | 6,342 |
| Tier 1 risk-based capital ratio | 16.7036% | 2,804 |
| Total risk-based capital ratio | 17.9744% | 2,747 |
| Memoranda: | ||
| Average total assets | $47,314,460,000 | 37 |
| Average earning assets | $43,024,416,670 | 37 |
| Average equity | $5,545,713,000 | 37 |
| Average total loans | $17,677,463,330 | 45 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3211% | 6,884 |
| Cost of funding earning assets | 0.6839% | 4,419 |
| Net interest margin | 2.6372% | 6,850 |
| Noninterest income to average assets | 1.1608% | 1,057 |
| Noninterest expense to average assets | 2.2438% | 5,927 |
| Loan and lease loss provision to assets | 0.6069% | 940 |
| Net operating income to assets | 0.4486% | 5,040 |
| Return on assets (ROA) | 0.6196% | 4,468 |
| Pretax return on assets | 0.9740% | 3,776 |
| Return on Equity (ROE) | 5.3383% | 4,618 |
| Retained earnings to average equity (ytd only) | 5.3383% | 3,351 |
| Net charge-offs to loans | 7.1431% | 44 |
| Credit loss provision to net charge-offs | 22.7978% | 3,739 |
| Earnings coverage of net charge-offs (x) | 0.4934% | 4,092 |
| Efficiency ratio | 61.6710% | 5,338 |
| Assets per employee ($millions) | 41.2017% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2474% | 652 |
| Loan loss allowance to noncurrent loans | 56.4186% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 2.2236% | 2,668 |
| Noncurrent loans to loans | 5.7559% | 903 |
| Net loans and leases to total assets | 35.1943% | 6,678 |
| Net loans and leases to deposits | 48.9202% | 6,231 |
| Net loans and leases to core deposits | 98.4946% | 1,092 |
| Total domestic deposits to total assets | 71.9423% | 6,884 |
| Equity capital to assets | 11.3451% | 2,580 |
| Core capital (leverage) ratio | 7.3091% | 6,722 |
| Tier 1 risk-based capital ratio | 15.7495% | 3,320 |
| Total risk-based capital ratio | 17.0216% | 3,274 |
| Memoranda: | ||
| Average total assets | $47,418,199,500 | 37 |
| Average earning assets | $43,093,635,000 | 37 |
| Average equity | $5,503,866,500 | 37 |
| Average total loans | $17,672,409,500 | 45 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7204% | 6,822 |
| Cost of funding earning assets | 0.7289% | 5,345 |
| Net interest margin | 2.9915% | 6,543 |
| Noninterest income to average assets | 1.2085% | 907 |
| Noninterest expense to average assets | 2.1791% | 6,312 |
| Loan and lease loss provision to assets | 0.9798% | 975 |
| Net operating income to assets | 0.5089% | 4,376 |
| Return on assets (ROA) | 0.6711% | 3,818 |
| Pretax return on assets | 0.9882% | 3,284 |
| Return on Equity (ROE) | 5.6816% | 4,036 |
| Retained earnings to average equity (ytd only) | 4.5143% | 2,961 |
| Net charge-offs to loans | 3.1605% | 283 |
| Credit loss provision to net charge-offs | 71.9789% | 4,777 |
| Earnings coverage of net charge-offs (x) | 1.2706% | 4,828 |
| Efficiency ratio | 53.7166% | 6,540 |
| Assets per employee ($millions) | 38.2357% | 39 |
| Cash dividends to net income (ytd only)* | 20.5452% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8708% | 913 |
| Loan loss allowance to noncurrent loans | 46.8450% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.5168% | 2,414 |
| Noncurrent loans to loans | 6.1283% | 795 |
| Net loans and leases to total assets | 37.1284% | 6,695 |
| Net loans and leases to deposits | 53.1200% | 6,130 |
| Net loans and leases to core deposits | 102.8552% | 976 |
| Total domestic deposits to total assets | 69.8954% | 6,996 |
| Equity capital to assets | 11.8875% | 2,210 |
| Core capital (leverage) ratio | 7.7454% | 6,502 |
| Tier 1 risk-based capital ratio | 16.0030% | 3,049 |
| Total risk-based capital ratio | 17.2673% | 2,997 |
| Memoranda: | ||
| Average total assets | $44,968,754,600 | 39 |
| Average earning assets | $40,589,937,600 | 38 |
| Average equity | $5,311,441,800 | 38 |
| Average total loans | $19,368,329,000 | 42 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7919% | 6,850 |
| Cost of funding earning assets | 0.7403% | 5,520 |
| Net interest margin | 3.0516% | 6,492 |
| Noninterest income to average assets | 1.2877% | 782 |
| Noninterest expense to average assets | 2.2387% | 6,191 |
| Loan and lease loss provision to assets | 0.9460% | 933 |
| Net operating income to assets | 0.5179% | 4,465 |
| Return on assets (ROA) | 0.6565% | 4,010 |
| Pretax return on assets | 1.0721% | 3,121 |
| Return on Equity (ROE) | 5.5672% | 4,241 |
| Retained earnings to average equity (ytd only) | 4.0010% | 3,869 |
| Net charge-offs to loans | 3.3535% | 249 |
| Credit loss provision to net charge-offs | 63.6642% | 4,683 |
| Earnings coverage of net charge-offs (x) | 1.2124% | 4,715 |
| Efficiency ratio | 53.9990% | 6,490 |
| Assets per employee ($millions) | 40.7352% | 41 |
| Cash dividends to net income (ytd only)* | 28.1328% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6611% | 1,178 |
| Loan loss allowance to noncurrent loans | 41.4420% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 2.8967% | 2,233 |
| Noncurrent loans to loans | 6.4211% | 831 |
| Net loans and leases to total assets | 40.5732% | 6,591 |
| Net loans and leases to deposits | 58.6512% | 5,783 |
| Net loans and leases to core deposits | 111.9823% | 608 |
| Total domestic deposits to total assets | 69.1770% | 7,080 |
| Equity capital to assets | 12.1049% | 2,168 |
| Core capital (leverage) ratio | 8.1132% | 6,264 |
| Tier 1 risk-based capital ratio | 15.9678% | 3,137 |
| Total risk-based capital ratio | 17.2310% | 3,086 |
| Memoranda: | ||
| Average total assets | $44,759,353,250 | 39 |
| Average earning assets | $40,371,299,000 | 38 |
| Average equity | $5,277,993,750 | 38 |
| Average total loans | $19,832,945,750 | 38 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8102% | 6,909 |
| Cost of funding earning assets | 0.7411% | 5,727 |
| Net interest margin | 3.0691% | 6,468 |
| Noninterest income to average assets | 1.3023% | 741 |
| Noninterest expense to average assets | 2.0533% | 6,684 |
| Loan and lease loss provision to assets | 0.9771% | 900 |
| Net operating income to assets | 0.6419% | 3,843 |
| Return on assets (ROA) | 0.7845% | 3,266 |
| Pretax return on assets | 1.2586% | 2,274 |
| Return on Equity (ROE) | 6.7121% | 3,583 |
| Retained earnings to average equity (ytd only) | 4.3475% | 3,427 |
| Net charge-offs to loans | 3.3947% | 269 |
| Credit loss provision to net charge-offs | 63.7125% | 4,248 |
| Earnings coverage of net charge-offs (x) | 1.3125% | 4,297 |
| Efficiency ratio | 49.1394% | 6,995 |
| Assets per employee ($millions) | 41.6746% | 41 |
| Cash dividends to net income (ytd only)* | 35.2285% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7925% | 1,083 |
| Loan loss allowance to noncurrent loans | 42.8266% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 3.0980% | 2,169 |
| Noncurrent loans to loans | 6.5206% | 852 |
| Net loans and leases to total assets | 42.6059% | 6,553 |
| Net loans and leases to deposits | 60.7793% | 5,640 |
| Net loans and leases to core deposits | 115.1144% | 544 |
| Total domestic deposits to total assets | 70.0993% | 7,103 |
| Equity capital to assets | 11.8794% | 2,188 |
| Core capital (leverage) ratio | 7.8945% | 6,416 |
| Tier 1 risk-based capital ratio | 14.9539% | 3,515 |
| Total risk-based capital ratio | 16.2188% | 3,479 |
| Memoranda: | ||
| Average total assets | $44,865,101,670 | 41 |
| Average earning assets | $40,401,644,330 | 40 |
| Average equity | $5,244,102,670 | 39 |
| Average total loans | $20,269,085,330 | 40 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 6,975 |
| Cost of funding earning assets | 0.7352% | 5,948 |
| Net interest margin | 3.0441% | 6,474 |
| Noninterest income to average assets | 1.3506% | 708 |
| Noninterest expense to average assets | 2.0564% | 6,724 |
| Loan and lease loss provision to assets | 1.0349% | 727 |
| Net operating income to assets | 0.6229% | 3,907 |
| Return on assets (ROA) | 0.7924% | 3,138 |
| Pretax return on assets | 1.2621% | 2,157 |
| Return on Equity (ROE) | 6.8352% | 3,473 |
| Retained earnings to average equity (ytd only) | 4.6814% | 3,386 |
| Net charge-offs to loans | 3.4061% | 295 |
| Credit loss provision to net charge-offs | 66.2674% | 3,431 |
| Earnings coverage of net charge-offs (x) | 1.3011% | 3,698 |
| Efficiency ratio | 48.9467% | 7,067 |
| Assets per employee ($millions) | 43.5735% | 38 |
| Cash dividends to net income (ytd only)* | 31.5099% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0114% | 910 |
| Loan loss allowance to noncurrent loans | 43.9142% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 3.3312% | 2,041 |
| Noncurrent loans to loans | 6.8574% | 829 |
| Net loans and leases to total assets | 43.5926% | 6,503 |
| Net loans and leases to deposits | 63.0115% | 5,380 |
| Net loans and leases to core deposits | 116.8612% | 505 |
| Total domestic deposits to total assets | 69.1819% | 7,220 |
| Equity capital to assets | 11.5313% | 2,238 |
| Core capital (leverage) ratio | 7.5356% | 6,706 |
| Tier 1 risk-based capital ratio | 14.2869% | 3,882 |
| Total risk-based capital ratio | 15.5551% | 3,826 |
| Memoranda: | ||
| Average total assets | $44,855,872,000 | 41 |
| Average earning assets | $40,343,751,000 | 40 |
| Average equity | $5,200,214,000 | 39 |
| Average total loans | $20,567,434,500 | 41 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 7,221 |
| Cost of funding earning assets | 0.7746% | 6,667 |
| Net interest margin | 3.0969% | 6,526 |
| Noninterest income to average assets | 1.2433% | 970 |
| Noninterest expense to average assets | 1.9868% | 7,045 |
| Loan and lease loss provision to assets | 1.7774% | 781 |
| Net operating income to assets | 0.1566% | 5,417 |
| Return on assets (ROA) | 0.3424% | 4,938 |
| Pretax return on assets | 0.5515% | 4,472 |
| Return on Equity (ROE) | 2.8947% | 4,995 |
| Retained earnings to average equity (ytd only) | 0.5044% | 5,329 |
| Net charge-offs to loans | 4.9390% | 181 |
| Credit loss provision to net charge-offs | 71.2185% | 5,830 |
| Earnings coverage of net charge-offs (x) | 0.8168% | 5,314 |
| Efficiency ratio | 47.8953% | 7,272 |
| Assets per employee ($millions) | 41.9968% | 37 |
| Cash dividends to net income (ytd only)* | 82.5736% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2557% | 702 |
| Loan loss allowance to noncurrent loans | 47.0873% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 3.5164% | 1,967 |
| Noncurrent loans to loans | 6.9142% | 824 |
| Net loans and leases to total assets | 45.2596% | 6,617 |
| Net loans and leases to deposits | 65.9779% | 5,403 |
| Net loans and leases to core deposits | 122.1613% | 468 |
| Total domestic deposits to total assets | 68.5981% | 7,303 |
| Equity capital to assets | 11.6567% | 2,156 |
| Core capital (leverage) ratio | 7.2961% | 6,846 |
| Tier 1 risk-based capital ratio | 13.7455% | 4,021 |
| Total risk-based capital ratio | 15.0179% | 3,989 |
| Memoranda: | ||
| Average total assets | $43,852,314,400 | 40 |
| Average earning assets | $39,393,444,000 | 40 |
| Average equity | $5,187,797,800 | 39 |
| Average total loans | $22,158,367,800 | 39 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 7,343 |
| Cost of funding earning assets | 0.7865% | 6,807 |
| Net interest margin | 3.1094% | 6,591 |
| Noninterest income to average assets | 1.2540% | 874 |
| Noninterest expense to average assets | 1.9686% | 7,102 |
| Loan and lease loss provision to assets | 1.7848% | 701 |
| Net operating income to assets | 0.1800% | 5,564 |
| Return on assets (ROA) | 0.3645% | 5,089 |
| Pretax return on assets | 0.5828% | 4,656 |
| Return on Equity (ROE) | 3.0695% | 5,190 |
| Retained earnings to average equity (ytd only) | 0.5542% | 5,576 |
| Net charge-offs to loans | 5.1902% | 161 |
| Credit loss provision to net charge-offs | 66.8000% | 5,514 |
| Earnings coverage of net charge-offs (x) | 0.7782% | 5,281 |
| Efficiency ratio | 47.1746% | 7,320 |
| Assets per employee ($millions) | 40.5307% | 38 |
| Cash dividends to net income (ytd only)* | 81.9446% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3024% | 635 |
| Loan loss allowance to noncurrent loans | 46.0132% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 3.8173% | 1,859 |
| Noncurrent loans to loans | 7.1770% | 764 |
| Net loans and leases to total assets | 47.2247% | 6,589 |
| Net loans and leases to deposits | 70.4005% | 5,088 |
| Net loans and leases to core deposits | 127.8044% | 416 |
| Total domestic deposits to total assets | 67.0800% | 7,424 |
| Equity capital to assets | 12.1168% | 2,082 |
| Core capital (leverage) ratio | 7.3999% | 6,939 |
| Tier 1 risk-based capital ratio | 13.7523% | 4,021 |
| Total risk-based capital ratio | 15.0266% | 3,956 |
| Memoranda: | ||
| Average total assets | $43,749,243,000 | 40 |
| Average earning assets | $39,310,824,500 | 38 |
| Average equity | $5,194,799,500 | 37 |
| Average total loans | $22,520,916,000 | 39 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 7,400 |
| Cost of funding earning assets | 0.8046% | 6,902 |
| Net interest margin | 3.1401% | 6,491 |
| Noninterest income to average assets | 1.3732% | 666 |
| Noninterest expense to average assets | 1.9972% | 7,116 |
| Loan and lease loss provision to assets | 1.9755% | 621 |
| Net operating income to assets | 0.1367% | 5,764 |
| Return on assets (ROA) | 0.2953% | 5,351 |
| Pretax return on assets | 0.4675% | 5,010 |
| Return on Equity (ROE) | 2.5034% | 5,460 |
| Retained earnings to average equity (ytd only) | 0.0314% | 5,722 |
| Net charge-offs to loans | 5.4400% | 172 |
| Credit loss provision to net charge-offs | 69.3735% | 4,987 |
| Earnings coverage of net charge-offs (x) | 0.7709% | 4,988 |
| Efficiency ratio | 46.2346% | 7,428 |
| Assets per employee ($millions) | 38.2122% | 39 |
| Cash dividends to net income (ytd only)* | 98.7456% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5553% | 526 |
| Loan loss allowance to noncurrent loans | 48.7842% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 4.1270% | 1,646 |
| Noncurrent loans to loans | 7.2878% | 746 |
| Net loans and leases to total assets | 51.0657% | 6,295 |
| Net loans and leases to deposits | 77.2362% | 4,124 |
| Net loans and leases to core deposits | 137.2499% | 319 |
| Total domestic deposits to total assets | 66.1163% | 7,526 |
| Equity capital to assets | 12.3283% | 1,910 |
| Core capital (leverage) ratio | 7.2713% | 7,017 |
| Tier 1 risk-based capital ratio | 13.4026% | 4,137 |
| Total risk-based capital ratio | 14.6829% | 4,078 |
| Memoranda: | ||
| Average total assets | $43,903,379,000 | 40 |
| Average earning assets | $39,418,397,000 | 38 |
| Average equity | $5,178,066,670 | 35 |
| Average total loans | $22,981,152,000 | 38 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9935% | 7,459 |
| Cost of funding earning assets | 0.8231% | 7,021 |
| Net interest margin | 3.1704% | 6,379 |
| Noninterest income to average assets | 1.3054% | 708 |
| Noninterest expense to average assets | 1.9848% | 7,187 |
| Loan and lease loss provision to assets | 2.3998% | 443 |
| Net operating income to assets | -0.2260% | 6,579 |
| Return on assets (ROA) | -0.0341% | 6,439 |
| Pretax return on assets | -0.0347% | 6,399 |
| Return on Equity (ROE) | -0.2955% | 6,445 |
| Retained earnings to average equity (ytd only) | -3.3217% | 6,406 |
| Net charge-offs to loans | 5.6036% | 199 |
| Credit loss provision to net charge-offs | 82.2655% | 3,822 |
| Earnings coverage of net charge-offs (x) | 0.7436% | 4,365 |
| Efficiency ratio | 46.3862% | 7,531 |
| Assets per employee ($millions) | 38.8515% | 42 |
| Cash dividends to net income (ytd only)* | -1,024.1597% | 7,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0833% | 349 |
| Loan loss allowance to noncurrent loans | 56.3225% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 4.0090% | 1,711 |
| Noncurrent loans to loans | 7.2498% | 806 |
| Net loans and leases to total assets | 49.3986% | 6,536 |
| Net loans and leases to deposits | 73.0241% | 4,899 |
| Net loans and leases to core deposits | 121.1313% | 741 |
| Total domestic deposits to total assets | 67.6470% | 7,547 |
| Equity capital to assets | 11.6107% | 2,286 |
| Core capital (leverage) ratio | 6.8284% | 7,338 |
| Tier 1 risk-based capital ratio | 13.0724% | 4,281 |
| Total risk-based capital ratio | 14.3600% | 4,224 |
| Memoranda: | ||
| Average total assets | $44,666,415,500 | 38 |
| Average earning assets | $40,134,501,000 | 38 |
| Average equity | $5,154,889,000 | 34 |
| Average total loans | $23,252,715,000 | 37 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2334% | 7,591 |
| Cost of funding earning assets | 1.3201% | 6,243 |
| Net interest margin | 2.9133% | 6,839 |
| Noninterest income to average assets | 1.0884% | 1,298 |
| Noninterest expense to average assets | 1.8573% | 7,560 |
| Loan and lease loss provision to assets | 3.2821% | 491 |
| Net operating income to assets | -0.8628% | 6,484 |
| Return on assets (ROA) | -0.7322% | 6,387 |
| Pretax return on assets | -1.1768% | 6,526 |
| Return on Equity (ROE) | -7.8517% | 6,456 |
| Retained earnings to average equity (ytd only) | -8.5095% | 6,392 |
| Net charge-offs to loans | 6.1608% | 166 |
| Credit loss provision to net charge-offs | 94.2483% | 5,837 |
| Earnings coverage of net charge-offs (x) | 0.5460% | 5,563 |
| Efficiency ratio | 48.2402% | 7,622 |
| Assets per employee ($millions) | 40.0374% | 44 |
| Cash dividends to net income (ytd only)* | -8.3778% | 7,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1747% | 325 |
| Loan loss allowance to noncurrent loans | 58.1243% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 4.0103% | 1,644 |
| Noncurrent loans to loans | 7.1823% | 759 |
| Net loans and leases to total assets | 50.4102% | 6,589 |
| Net loans and leases to deposits | 74.3097% | 4,991 |
| Net loans and leases to core deposits | 74.8857% | 6,475 |
| Total domestic deposits to total assets | 67.8380% | 7,560 |
| Equity capital to assets | 11.4722% | 2,335 |
| Core capital (leverage) ratio | 6.6931% | 7,414 |
| Tier 1 risk-based capital ratio | 12.7905% | 4,293 |
| Total risk-based capital ratio | 14.0805% | 4,215 |
| Memoranda: | ||
| Average total assets | $45,644,304,200 | 37 |
| Average earning assets | $41,836,424,000 | 37 |
| Average equity | $4,256,602,800 | 42 |
| Average total loans | $25,800,858,200 | 36 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 7,681 |
| Cost of funding earning assets | 1.4445% | 6,059 |
| Net interest margin | 2.8461% | 6,971 |
| Noninterest income to average assets | 1.0020% | 1,603 |
| Noninterest expense to average assets | 1.8310% | 7,633 |
| Loan and lease loss provision to assets | 3.5104% | 375 |
| Net operating income to assets | -1.1352% | 6,922 |
| Return on assets (ROA) | -0.9531% | 6,804 |
| Pretax return on assets | -1.4425% | 6,929 |
| Return on Equity (ROE) | -10.8337% | 6,946 |
| Retained earnings to average equity (ytd only) | -10.8337% | 6,874 |
| Net charge-offs to loans | 6.1576% | 138 |
| Credit loss provision to net charge-offs | 99.1631% | 5,156 |
| Earnings coverage of net charge-offs (x) | 0.5062% | 5,523 |
| Efficiency ratio | 49.4596% | 7,590 |
| Assets per employee ($millions) | 40.3195% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3683% | 228 |
| Loan loss allowance to noncurrent loans | 64.4863% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 3.7665% | 1,721 |
| Noncurrent loans to loans | 6.7740% | 826 |
| Net loans and leases to total assets | 50.7162% | 6,720 |
| Net loans and leases to deposits | 74.3874% | 5,309 |
| Net loans and leases to core deposits | 75.0657% | 6,664 |
| Total domestic deposits to total assets | 68.1785% | 7,557 |
| Equity capital to assets | 11.2344% | 2,808 |
| Core capital (leverage) ratio | 6.7171% | 7,575 |
| Tier 1 risk-based capital ratio | 13.1485% | 4,087 |
| Total risk-based capital ratio | 14.4426% | 3,996 |
| Memoranda: | ||
| Average total assets | $45,794,864,000 | 38 |
| Average earning assets | $42,170,784,750 | 38 |
| Average equity | $4,028,921,000 | 45 |
| Average total loans | $26,327,327,000 | 39 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 7,742 |
| Cost of funding earning assets | 1.6205% | 5,666 |
| Net interest margin | 2.7424% | 7,113 |
| Noninterest income to average assets | 0.9228% | 1,880 |
| Noninterest expense to average assets | 1.6544% | 7,875 |
| Loan and lease loss provision to assets | 3.7605% | 353 |
| Net operating income to assets | -1.1954% | 7,105 |
| Return on assets (ROA) | -1.0129% | 6,994 |
| Pretax return on assets | -1.6674% | 7,156 |
| Return on Equity (ROE) | -12.7001% | 7,210 |
| Retained earnings to average equity (ytd only) | -12.7001% | 7,095 |
| Net charge-offs to loans | 6.1318% | 171 |
| Credit loss provision to net charge-offs | 103.9583% | 4,419 |
| Earnings coverage of net charge-offs (x) | 0.4998% | 5,204 |
| Efficiency ratio | 46.9347% | 7,809 |
| Assets per employee ($millions) | 37.3340% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2899% | 205 |
| Loan loss allowance to noncurrent loans | 68.9596% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 3.6370% | 1,699 |
| Noncurrent loans to loans | 6.2208% | 875 |
| Net loans and leases to total assets | 53.7839% | 6,484 |
| Net loans and leases to deposits | 80.2187% | 4,512 |
| Net loans and leases to core deposits | 81.1873% | 6,307 |
| Total domestic deposits to total assets | 67.0465% | 7,677 |
| Equity capital to assets | 11.3849% | 2,610 |
| Core capital (leverage) ratio | 6.7857% | 7,665 |
| Tier 1 risk-based capital ratio | 12.6143% | 4,430 |
| Total risk-based capital ratio | 13.9078% | 4,311 |
| Memoranda: | ||
| Average total assets | $45,657,754,670 | 40 |
| Average earning assets | $42,281,787,000 | 40 |
| Average equity | $3,641,572,670 | 50 |
| Average total loans | $26,934,957,000 | 39 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1482% | 7,925 |
| Cost of funding earning assets | 1.8938% | 4,656 |
| Net interest margin | 2.2544% | 7,755 |
| Noninterest income to average assets | 0.2929% | 6,091 |
| Noninterest expense to average assets | 0.7798% | 8,197 |
| Loan and lease loss provision to assets | 4.0001% | 238 |
| Net operating income to assets | -1.4837% | 7,492 |
| Return on assets (ROA) | -1.3689% | 7,461 |
| Pretax return on assets | -2.1929% | 7,587 |
| Return on Equity (ROE) | -21.9318% | 7,793 |
| Retained earnings to average equity (ytd only) | -21.9318% | 7,696 |
| Net charge-offs to loans | 5.7800% | 168 |
| Credit loss provision to net charge-offs | 114.5466% | 3,394 |
| Earnings coverage of net charge-offs (x) | 0.4661% | 4,619 |
| Efficiency ratio | 32.3898% | 8,137 |
| Assets per employee ($millions) | 167.8835% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2705% | 170 |
| Loan loss allowance to noncurrent loans | 83.8956% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 3.1231% | 1,800 |
| Noncurrent loans to loans | 5.0903% | 1,067 |
| Net loans and leases to total assets | 55.6721% | 6,288 |
| Net loans and leases to deposits | 80.2659% | 4,566 |
| Net loans and leases to core deposits | 81.3407% | 6,282 |
| Total domestic deposits to total assets | 69.3596% | 7,481 |
| Equity capital to assets | 6.1064% | 7,978 |
| Core capital (leverage) ratio | 5.6317% | 8,063 |
| Tier 1 risk-based capital ratio | 10.5288% | 6,368 |
| Total risk-based capital ratio | 11.8210% | 6,238 |
| Memoranda: | ||
| Average total assets | $45,395,581,500 | 42 |
| Average earning assets | $42,581,638,500 | 41 |
| Average equity | $2,833,457,500 | 55 |
| Average total loans | $27,426,529,000 | 39 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9334% | 7,878 |
| Cost of funding earning assets | 2.6561% | 3,392 |
| Net interest margin | 2.2772% | 7,922 |
| Noninterest income to average assets | 0.0268% | 7,998 |
| Noninterest expense to average assets | 0.8058% | 8,229 |
| Loan and lease loss provision to assets | 3.4775% | 231 |
| Net operating income to assets | -1.3266% | 7,402 |
| Return on assets (ROA) | -1.2809% | 7,322 |
| Pretax return on assets | -2.0789% | 7,462 |
| Return on Equity (ROE) | -20.5511% | 7,770 |
| Retained earnings to average equity (ytd only) | -20.5511% | 7,694 |
| Net charge-offs to loans | 3.0410% | 288 |
| Credit loss provision to net charge-offs | 163.0690% | 3,162 |
| Earnings coverage of net charge-offs (x) | 0.6210% | 5,851 |
| Efficiency ratio | 37.8093% | 8,163 |
| Assets per employee ($millions) | 170.9466% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8321% | 211 |
| Loan loss allowance to noncurrent loans | 114.6998% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 2.3055% | 2,112 |
| Noncurrent loans to loans | 3.3410% | 1,547 |
| Net loans and leases to total assets | 60.3182% | 5,865 |
| Net loans and leases to deposits | 91.0071% | 3,289 |
| Net loans and leases to core deposits | 92.6063% | 5,580 |
| Total domestic deposits to total assets | 66.2785% | 7,641 |
| Equity capital to assets | 6.3797% | 7,970 |
| Core capital (leverage) ratio | 6.2881% | 7,995 |
| Tier 1 risk-based capital ratio | 11.6611% | 5,089 |
| Total risk-based capital ratio | 12.9508% | 4,957 |
| Memoranda: | ||
| Average total assets | $47,419,060,400 | 40 |
| Average earning assets | $43,796,866,200 | 39 |
| Average equity | $2,955,599,600 | 54 |
| Average total loans | $33,253,248,200 | 34 |