Home > East West Bank > Performance and Condition Ratios
East West Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8024% | 831 |
| Cost of funding earning assets | 2.1523% | 696 |
| Net interest margin | 3.6501% | 1,862 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 1.5009% | 4,328 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.7486% | 664 |
| Return on assets (ROA) | 1.7411% | 647 |
| Pretax return on assets | 2.1922% | 496 |
| Return on Equity (ROE) | 18.7500% | 731 |
| Retained earnings to average equity (ytd only) | 7.5166% | 1,696 |
| Net charge-offs to loans | 0.0924% | 961 |
| Credit loss provision to net charge-offs | 245.5377% | 1,082 |
| Earnings coverage of net charge-offs (x) | 34.8280% | 1,534 |
| Efficiency ratio | 38.5385% | 4,389 |
| Assets per employee ($millions) | 21.6715% | 87 |
| Cash dividends to net income (ytd only)* | 59.9106% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 1,874 |
| Loan loss allowance to noncurrent loans | 650.0666% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1641% | 2,443 |
| Noncurrent loans to loans | 0.1970% | 2,524 |
| Net loans and leases to total assets | 74.1800% | 1,333 |
| Net loans and leases to deposits | 91.0744% | 1,176 |
| Net loans and leases to core deposits | 127.2409% | 454 |
| Total domestic deposits to total assets | 76.8900% | 3,856 |
| Equity capital to assets | 9.4170% | 2,410 |
| Core capital (leverage) ratio | 9.6455% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7534% | 1,956 |
| Memoranda: | ||
| Average total assets | $67,489,750,000 | 38 |
| Average earning assets | $63,684,143,800 | 38 |
| Average equity | $6,267,236,600 | 38 |
| Average total loans | $50,031,700,400 | 33 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7069% | 778 |
| Cost of funding earning assets | 2.0216% | 679 |
| Net interest margin | 3.6853% | 1,809 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 1.4412% | 4,360 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.8725% | 582 |
| Return on assets (ROA) | 1.8555% | 588 |
| Pretax return on assets | 2.2826% | 494 |
| Return on Equity (ROE) | 20.0500% | 718 |
| Retained earnings to average equity (ytd only) | 12.0960% | 955 |
| Net charge-offs to loans | 0.0708% | 977 |
| Credit loss provision to net charge-offs | 306.8652% | 873 |
| Earnings coverage of net charge-offs (x) | 47.3681% | 1,343 |
| Efficiency ratio | 36.6998% | 4,434 |
| Assets per employee ($millions) | 21.0288% | 88 |
| Cash dividends to net income (ytd only)* | 39.6856% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 1,923 |
| Loan loss allowance to noncurrent loans | 632.1340% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 2,564 |
| Noncurrent loans to loans | 0.2037% | 2,540 |
| Net loans and leases to total assets | 73.7400% | 1,369 |
| Net loans and leases to deposits | 90.6684% | 1,182 |
| Net loans and leases to core deposits | 124.1714% | 454 |
| Total domestic deposits to total assets | 77.0700% | 3,920 |
| Equity capital to assets | 9.3455% | 2,201 |
| Core capital (leverage) ratio | 9.8417% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0592% | 1,875 |
| Memoranda: | ||
| Average total assets | $66,992,475,500 | 40 |
| Average earning assets | $63,184,205,000 | 39 |
| Average equity | $6,198,332,750 | 39 |
| Average total loans | $49,486,901,000 | 34 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5429% | 787 |
| Cost of funding earning assets | 1.8131% | 724 |
| Net interest margin | 3.7298% | 1,759 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 1.4272% | 4,391 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 1.9468% | 506 |
| Return on assets (ROA) | 1.9229% | 532 |
| Pretax return on assets | 2.3643% | 424 |
| Return on Equity (ROE) | 20.8500% | 624 |
| Retained earnings to average equity (ytd only) | 14.5859% | 611 |
| Net charge-offs to loans | 0.0332% | 1,232 |
| Credit loss provision to net charge-offs | 522.2809% | 632 |
| Earnings coverage of net charge-offs (x) | 103.5117% | 914 |
| Efficiency ratio | 35.9813% | 4,476 |
| Assets per employee ($millions) | 21.4291% | 82 |
| Cash dividends to net income (ytd only)* | 30.0601% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 2,037 |
| Loan loss allowance to noncurrent loans | 549.9727% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 2,376 |
| Noncurrent loans to loans | 0.2318% | 2,336 |
| Net loans and leases to total assets | 71.8100% | 1,556 |
| Net loans and leases to deposits | 87.8597% | 1,354 |
| Net loans and leases to core deposits | 123.0664% | 450 |
| Total domestic deposits to total assets | 77.5900% | 3,888 |
| Equity capital to assets | 9.2525% | 2,345 |
| Core capital (leverage) ratio | 9.8541% | 2,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0758% | 1,861 |
| Memoranda: | ||
| Average total assets | $66,605,190,333 | 40 |
| Average earning assets | $62,864,496,333 | 39 |
| Average equity | $6,141,316,333 | 39 |
| Average total loans | $49,011,886,000 | 34 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3921% | 734 |
| Cost of funding earning assets | 1.5041% | 839 |
| Net interest margin | 3.8881% | 1,500 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 1.3132% | 4,532 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 2.0304% | 466 |
| Return on assets (ROA) | 1.9840% | 496 |
| Pretax return on assets | 2.5950% | 318 |
| Return on Equity (ROE) | 21.5600% | 617 |
| Retained earnings to average equity (ytd only) | 14.1090% | 925 |
| Net charge-offs to loans | 0.0050% | 1,787 |
| Credit loss provision to net charge-offs | 3,041.0509% | 144 |
| Earnings coverage of net charge-offs (x) | 748.0657% | 150 |
| Efficiency ratio | 32.0509% | 4,591 |
| Assets per employee ($millions) | 21.1713% | 86 |
| Cash dividends to net income (ytd only)* | 34.5477% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 2,203 |
| Loan loss allowance to noncurrent loans | 665.6569% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1389% | 2,536 |
| Noncurrent loans to loans | 0.1903% | 2,523 |
| Net loans and leases to total assets | 71.8900% | 1,434 |
| Net loans and leases to deposits | 87.8068% | 1,225 |
| Net loans and leases to core deposits | 122.9082% | 385 |
| Total domestic deposits to total assets | 77.8100% | 4,019 |
| Equity capital to assets | 9.2168% | 2,352 |
| Core capital (leverage) ratio | 9.8461% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9780% | 1,979 |
| Memoranda: | ||
| Average total assets | $65,653,419,500 | 42 |
| Average earning assets | $62,002,321,500 | 42 |
| Average equity | $6,042,595,000 | 42 |
| Average total loans | $48,602,232,000 | 37 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 1,868 |
| Cost of funding earning assets | 0.4583% | 1,662 |
| Net interest margin | 3.4882% | 1,961 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 1.3584% | 4,534 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.8259% | 414 |
| Return on assets (ROA) | 1.8238% | 396 |
| Pretax return on assets | 2.2849% | 270 |
| Return on Equity (ROE) | 20.2500% | 457 |
| Retained earnings to average equity (ytd only) | 15.9777% | 229 |
| Net charge-offs to loans | 0.0402% | 1,298 |
| Credit loss provision to net charge-offs | 405.0436% | 771 |
| Earnings coverage of net charge-offs (x) | 81.3346% | 1,078 |
| Efficiency ratio | 36.0137% | 4,602 |
| Assets per employee ($millions) | 20.3131% | 92 |
| Cash dividends to net income (ytd only)* | 21.0823% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,226 |
| Loan loss allowance to noncurrent loans | 598.4818% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 2,442 |
| Noncurrent loans to loans | 0.2062% | 2,465 |
| Net loans and leases to total assets | 74.3700% | 1,189 |
| Net loans and leases to deposits | 84.7024% | 1,406 |
| Net loans and leases to core deposits | 114.1966% | 485 |
| Total domestic deposits to total assets | 83.0500% | 3,410 |
| Equity capital to assets | 9.1902% | 2,233 |
| Core capital (leverage) ratio | 9.6591% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5145% | 2,161 |
| Memoranda: | ||
| Average total assets | $62,419,192,400 | 43 |
| Average earning assets | $58,890,156,200 | 43 |
| Average equity | $5,622,800,200 | 46 |
| Average total loans | $45,874,279,000 | 38 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5622% | 2,440 |
| Cost of funding earning assets | 0.2651% | 2,545 |
| Net interest margin | 3.2971% | 2,308 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.2744% | 4,595 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.7216% | 504 |
| Return on assets (ROA) | 1.7188% | 496 |
| Pretax return on assets | 2.2249% | 308 |
| Return on Equity (ROE) | 19.1800% | 513 |
| Retained earnings to average equity (ytd only) | 14.8608% | 379 |
| Net charge-offs to loans | 0.0245% | 1,340 |
| Credit loss provision to net charge-offs | 624.8648% | 549 |
| Earnings coverage of net charge-offs (x) | 130.3655% | 804 |
| Efficiency ratio | 35.2411% | 4,652 |
| Assets per employee ($millions) | 19.6712% | 107 |
| Cash dividends to net income (ytd only)* | 22.5205% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 2,380 |
| Loan loss allowance to noncurrent loans | 600.2669% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1551% | 2,531 |
| Noncurrent loans to loans | 0.2045% | 2,579 |
| Net loans and leases to total assets | 74.9500% | 1,016 |
| Net loans and leases to deposits | 86.5280% | 1,139 |
| Net loans and leases to core deposits | 112.7863% | 394 |
| Total domestic deposits to total assets | 81.8300% | 3,865 |
| Equity capital to assets | 8.9010% | 2,283 |
| Core capital (leverage) ratio | 9.4082% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0890% | 2,433 |
| Memoranda: | ||
| Average total assets | $62,002,016,750 | 44 |
| Average earning assets | $58,473,812,500 | 44 |
| Average equity | $5,556,056,500 | 49 |
| Average total loans | $45,277,782,250 | 40 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2010% | 3,047 |
| Cost of funding earning assets | 0.1418% | 3,685 |
| Net interest margin | 3.0591% | 2,684 |
| Noninterest income to average assets | 0.5061% | 2,169 |
| Noninterest expense to average assets | 1.2286% | 4,627 |
| Loan and lease loss provision to assets | 0.0696% | 1,370 |
| Net operating income to assets | 1.6237% | 521 |
| Return on assets (ROA) | 1.6221% | 507 |
| Pretax return on assets | 2.0919% | 303 |
| Return on Equity (ROE) | 18.0603% | 466 |
| Retained earnings to average equity (ytd only) | 13.7376% | 392 |
| Net charge-offs to loans | 0.0075% | 1,716 |
| Credit loss provision to net charge-offs | 1,471.4881% | 309 |
| Earnings coverage of net charge-offs (x) | 398.0452% | 319 |
| Efficiency ratio | 36.1250% | 4,678 |
| Assets per employee ($millions) | 19.5608% | 106 |
| Cash dividends to net income (ytd only)* | 23.9349% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 2,666 |
| Loan loss allowance to noncurrent loans | 626.3079% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 2,716 |
| Noncurrent loans to loans | 0.1921% | 2,744 |
| Net loans and leases to total assets | 74.1544% | 902 |
| Net loans and leases to deposits | 84.6406% | 1,074 |
| Net loans and leases to core deposits | 108.0026% | 398 |
| Total domestic deposits to total assets | 82.6858% | 3,918 |
| Equity capital to assets | 8.8445% | 2,505 |
| Core capital (leverage) ratio | 9.1678% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7561% | 2,582 |
| Memoranda: | ||
| Average total assets | $61,817,832,667 | 43 |
| Average earning assets | $58,319,275,000 | 44 |
| Average equity | $5,552,079,667 | 50 |
| Average total loans | $44,548,796,000 | 40 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9796% | 3,312 |
| Cost of funding earning assets | 0.1074% | 4,049 |
| Net interest margin | 2.8722% | 2,919 |
| Noninterest income to average assets | 0.5071% | 2,108 |
| Noninterest expense to average assets | 1.2094% | 4,663 |
| Loan and lease loss provision to assets | 0.0520% | 1,448 |
| Net operating income to assets | 1.5619% | 559 |
| Return on assets (ROA) | 1.5626% | 554 |
| Pretax return on assets | 1.9617% | 391 |
| Return on Equity (ROE) | 17.2644% | 393 |
| Retained earnings to average equity (ytd only) | 12.9552% | 472 |
| Net charge-offs to loans | 0.0761% | 615 |
| Credit loss provision to net charge-offs | 148.2575% | 865 |
| Earnings coverage of net charge-offs (x) | 37.4724% | 1,033 |
| Efficiency ratio | 37.4290% | 4,690 |
| Assets per employee ($millions) | 20.0724% | 101 |
| Cash dividends to net income (ytd only)* | 24.9598% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,663 |
| Loan loss allowance to noncurrent loans | 643.2386% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 2,841 |
| Noncurrent loans to loans | 0.1923% | 2,858 |
| Net loans and leases to total assets | 70.0165% | 1,024 |
| Net loans and leases to deposits | 78.7555% | 1,229 |
| Net loans and leases to core deposits | 97.1178% | 607 |
| Total domestic deposits to total assets | 84.1414% | 3,741 |
| Equity capital to assets | 8.8585% | 2,827 |
| Core capital (leverage) ratio | 8.9568% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1348% | 2,559 |
| Memoranda: | ||
| Average total assets | $61,537,070,500 | 44 |
| Average earning assets | $58,173,429,500 | 44 |
| Average equity | $5,569,555,000 | 50 |
| Average total loans | $43,413,027,000 | 40 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9540% | 3,954 |
| Cost of funding earning assets | 0.1536% | 3,935 |
| Net interest margin | 2.8004% | 3,665 |
| Noninterest income to average assets | 0.4851% | 2,645 |
| Noninterest expense to average assets | 1.3530% | 4,652 |
| Loan and lease loss provision to assets | -0.0602% | 4,407 |
| Net operating income to assets | 1.5127% | 983 |
| Return on assets (ROA) | 1.5138% | 1,021 |
| Pretax return on assets | 1.8344% | 846 |
| Return on Equity (ROE) | 16.5589% | 666 |
| Retained earnings to average equity (ytd only) | 12.7962% | 424 |
| Net charge-offs to loans | 0.1221% | 742 |
| Credit loss provision to net charge-offs | -57.8995% | 3,273 |
| Earnings coverage of net charge-offs (x) | 20.6248% | 1,848 |
| Efficiency ratio | 43.1332% | 4,601 |
| Assets per employee ($millions) | 19.6606% | 110 |
| Cash dividends to net income (ytd only)* | 22.7233% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,513 |
| Loan loss allowance to noncurrent loans | 581.2118% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1537% | 2,864 |
| Noncurrent loans to loans | 0.2182% | 2,869 |
| Net loans and leases to total assets | 69.3042% | 1,123 |
| Net loans and leases to deposits | 78.4546% | 1,360 |
| Net loans and leases to core deposits | 96.2683% | 679 |
| Total domestic deposits to total assets | 83.7098% | 3,635 |
| Equity capital to assets | 9.2473% | 3,374 |
| Core capital (leverage) ratio | 8.6433% | 3,782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2349% | 2,548 |
| Memoranda: | ||
| Average total assets | $58,143,038,600 | 45 |
| Average earning assets | $54,827,375,400 | 45 |
| Average equity | $5,315,269,400 | 50 |
| Average total loans | $40,929,959,400 | 39 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9475% | 4,084 |
| Cost of funding earning assets | 0.1673% | 3,952 |
| Net interest margin | 2.7802% | 3,823 |
| Noninterest income to average assets | 0.4915% | 2,662 |
| Noninterest expense to average assets | 1.3437% | 4,716 |
| Loan and lease loss provision to assets | -0.0580% | 4,480 |
| Net operating income to assets | 1.5316% | 1,189 |
| Return on assets (ROA) | 1.5328% | 1,233 |
| Pretax return on assets | 1.8261% | 1,103 |
| Return on Equity (ROE) | 16.8188% | 795 |
| Retained earnings to average equity (ytd only) | 13.0002% | 642 |
| Net charge-offs to loans | 0.1324% | 609 |
| Credit loss provision to net charge-offs | -48.4115% | 3,136 |
| Earnings coverage of net charge-offs (x) | 18.9442% | 1,773 |
| Efficiency ratio | 43.0396% | 4,625 |
| Assets per employee ($millions) | 19.7543% | 108 |
| Cash dividends to net income (ytd only)* | 22.7045% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 2,263 |
| Loan loss allowance to noncurrent loans | 420.8501% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 2,445 |
| Noncurrent loans to loans | 0.3190% | 2,633 |
| Net loans and leases to total assets | 67.5765% | 1,367 |
| Net loans and leases to deposits | 76.5838% | 1,616 |
| Net loans and leases to core deposits | 93.8061% | 832 |
| Total domestic deposits to total assets | 83.8997% | 3,486 |
| Equity capital to assets | 8.9955% | 3,838 |
| Core capital (leverage) ratio | 8.4985% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3295% | 2,604 |
| Memoranda: | ||
| Average total assets | $57,466,390,500 | 46 |
| Average earning assets | $54,131,655,000 | 46 |
| Average equity | $5,237,343,000 | 51 |
| Average total loans | $40,484,219,500 | 40 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9446% | 4,150 |
| Cost of funding earning assets | 0.1849% | 3,900 |
| Net interest margin | 2.7597% | 3,877 |
| Noninterest income to average assets | 0.4948% | 2,642 |
| Noninterest expense to average assets | 1.3361% | 4,767 |
| Loan and lease loss provision to assets | -0.0533% | 4,531 |
| Net operating income to assets | 1.5372% | 1,199 |
| Return on assets (ROA) | 1.5382% | 1,260 |
| Pretax return on assets | 1.8135% | 1,203 |
| Return on Equity (ROE) | 16.7989% | 814 |
| Retained earnings to average equity (ytd only) | 12.9198% | 737 |
| Net charge-offs to loans | 0.1332% | 597 |
| Credit loss provision to net charge-offs | -28.9457% | 2,943 |
| Earnings coverage of net charge-offs (x) | 18.5616% | 1,563 |
| Efficiency ratio | 43.0018% | 4,660 |
| Assets per employee ($millions) | 18.9304% | 115 |
| Cash dividends to net income (ytd only)* | 23.0915% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,863 |
| Loan loss allowance to noncurrent loans | 296.1343% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 2,176 |
| Noncurrent loans to loans | 0.4817% | 2,231 |
| Net loans and leases to total assets | 67.6430% | 1,494 |
| Net loans and leases to deposits | 76.3957% | 1,780 |
| Net loans and leases to core deposits | 94.2007% | 895 |
| Total domestic deposits to total assets | 84.2695% | 3,349 |
| Equity capital to assets | 8.9231% | 3,867 |
| Core capital (leverage) ratio | 8.7050% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4324% | 2,564 |
| Memoranda: | ||
| Average total assets | $56,307,871,667 | 47 |
| Average earning assets | $53,057,722,000 | 46 |
| Average equity | $5,155,789,333 | 51 |
| Average total loans | $40,064,677,000 | 41 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9709% | 4,144 |
| Cost of funding earning assets | 0.2097% | 3,834 |
| Net interest margin | 2.7612% | 3,847 |
| Noninterest income to average assets | 0.5298% | 2,481 |
| Noninterest expense to average assets | 1.3818% | 4,755 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5194% | 1,284 |
| Return on assets (ROA) | 1.5171% | 1,353 |
| Pretax return on assets | 1.7465% | 1,404 |
| Return on Equity (ROE) | 16.3407% | 951 |
| Retained earnings to average equity (ytd only) | 12.3912% | 1,054 |
| Net charge-offs to loans | 0.1355% | 554 |
| Credit loss provision to net charge-offs | 7.8174% | 1,456 |
| Earnings coverage of net charge-offs (x) | 17.7913% | 1,290 |
| Efficiency ratio | 43.9609% | 4,581 |
| Assets per employee ($millions) | 17.8801% | 130 |
| Cash dividends to net income (ytd only)* | 24.1697% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 1,600 |
| Loan loss allowance to noncurrent loans | 261.8989% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 2,090 |
| Noncurrent loans to loans | 0.5736% | 2,134 |
| Net loans and leases to total assets | 70.0529% | 1,282 |
| Net loans and leases to deposits | 79.7669% | 1,542 |
| Net loans and leases to core deposits | 99.9151% | 717 |
| Total domestic deposits to total assets | 83.5434% | 3,561 |
| Equity capital to assets | 8.9326% | 3,748 |
| Core capital (leverage) ratio | 8.7228% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3798% | 2,535 |
| Memoranda: | ||
| Average total assets | $54,542,375,500 | 48 |
| Average earning assets | $51,380,183,500 | 46 |
| Average equity | $5,063,940,000 | 53 |
| Average total loans | $39,565,764,500 | 41 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5157% | 4,000 |
| Cost of funding earning assets | 0.4714% | 3,143 |
| Net interest margin | 3.0443% | 3,768 |
| Noninterest income to average assets | 0.4393% | 2,918 |
| Noninterest expense to average assets | 1.4641% | 4,805 |
| Loan and lease loss provision to assets | 0.4103% | 748 |
| Net operating income to assets | 1.1707% | 1,651 |
| Return on assets (ROA) | 1.1930% | 1,681 |
| Pretax return on assets | 1.4452% | 1,528 |
| Return on Equity (ROE) | 11.8172% | 1,378 |
| Retained earnings to average equity (ytd only) | 1.3659% | 4,082 |
| Net charge-offs to loans | 0.1716% | 968 |
| Credit loss provision to net charge-offs | 314.5587% | 1,682 |
| Earnings coverage of net charge-offs (x) | 14.0204% | 2,244 |
| Efficiency ratio | 44.2381% | 4,782 |
| Assets per employee ($millions) | 16.2495% | 147 |
| Cash dividends to net income (ytd only)* | 88.4415% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 1,289 |
| Loan loss allowance to noncurrent loans | 288.1578% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 2,256 |
| Noncurrent loans to loans | 0.5561% | 2,315 |
| Net loans and leases to total assets | 72.9002% | 1,172 |
| Net loans and leases to deposits | 83.9639% | 1,460 |
| Net loans and leases to core deposits | 108.1750% | 566 |
| Total domestic deposits to total assets | 82.6848% | 3,498 |
| Equity capital to assets | 9.6674% | 3,445 |
| Core capital (leverage) ratio | 9.0083% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3656% | 2,498 |
| Memoranda: | ||
| Average total assets | $48,430,660,200 | 50 |
| Average earning assets | $45,393,781,600 | 48 |
| Average equity | $4,889,325,200 | 54 |
| Average total loans | $36,808,253,400 | 42 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6399% | 3,929 |
| Cost of funding earning assets | 0.5395% | 2,999 |
| Net interest margin | 3.1004% | 3,737 |
| Noninterest income to average assets | 0.4110% | 3,023 |
| Noninterest expense to average assets | 1.4887% | 4,812 |
| Loan and lease loss provision to assets | 0.5022% | 579 |
| Net operating income to assets | 1.1273% | 1,890 |
| Return on assets (ROA) | 1.1575% | 1,909 |
| Pretax return on assets | 1.3604% | 1,854 |
| Return on Equity (ROE) | 11.3337% | 1,577 |
| Retained earnings to average equity (ytd only) | -2.7157% | 4,756 |
| Net charge-offs to loans | 0.1627% | 908 |
| Credit loss provision to net charge-offs | 403.2945% | 1,454 |
| Earnings coverage of net charge-offs (x) | 14.6719% | 2,143 |
| Efficiency ratio | 44.6601% | 4,769 |
| Assets per employee ($millions) | 15.7095% | 146 |
| Cash dividends to net income (ytd only)* | 123.9611% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6513% | 979 |
| Loan loss allowance to noncurrent loans | 261.4240% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 2,174 |
| Noncurrent loans to loans | 0.6316% | 2,213 |
| Net loans and leases to total assets | 73.0670% | 1,493 |
| Net loans and leases to deposits | 87.3219% | 1,556 |
| Net loans and leases to core deposits | 114.3156% | 539 |
| Total domestic deposits to total assets | 79.6569% | 3,935 |
| Equity capital to assets | 9.6545% | 3,550 |
| Core capital (leverage) ratio | 9.2540% | 3,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3788% | 2,465 |
| Memoranda: | ||
| Average total assets | $47,481,855,250 | 51 |
| Average earning assets | $44,484,829,500 | 48 |
| Average equity | $4,849,432,500 | 53 |
| Average total loans | $36,337,131,000 | 41 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 3,631 |
| Cost of funding earning assets | 0.6393% | 2,761 |
| Net interest margin | 3.2576% | 3,499 |
| Noninterest income to average assets | 0.4243% | 2,947 |
| Noninterest expense to average assets | 1.5715% | 4,803 |
| Loan and lease loss provision to assets | 0.7265% | 372 |
| Net operating income to assets | 1.0326% | 2,212 |
| Return on assets (ROA) | 1.0776% | 2,171 |
| Pretax return on assets | 1.2274% | 2,264 |
| Return on Equity (ROE) | 10.3469% | 1,868 |
| Retained earnings to average equity (ytd only) | -10.7510% | 4,932 |
| Net charge-offs to loans | 0.1120% | 1,177 |
| Credit loss provision to net charge-offs | 838.9910% | 887 |
| Earnings coverage of net charge-offs (x) | 21.9724% | 1,640 |
| Efficiency ratio | 45.0007% | 4,772 |
| Assets per employee ($millions) | 15.2079% | 162 |
| Cash dividends to net income (ytd only)* | 203.9057% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6976% | 818 |
| Loan loss allowance to noncurrent loans | 353.4677% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 2,684 |
| Noncurrent loans to loans | 0.4803% | 2,708 |
| Net loans and leases to total assets | 74.0759% | 1,402 |
| Net loans and leases to deposits | 88.8804% | 1,464 |
| Net loans and leases to core deposits | 117.9730% | 477 |
| Total domestic deposits to total assets | 78.8365% | 4,062 |
| Equity capital to assets | 9.4820% | 3,674 |
| Core capital (leverage) ratio | 9.1093% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1422% | 2,551 |
| Memoranda: | ||
| Average total assets | $46,510,397,333 | 49 |
| Average earning assets | $43,546,464,667 | 47 |
| Average equity | $4,844,070,000 | 52 |
| Average total loans | $35,969,082,333 | 40 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 3,035 |
| Cost of funding earning assets | 0.8071% | 2,341 |
| Net interest margin | 3.4529% | 3,146 |
| Noninterest income to average assets | 0.4554% | 2,762 |
| Noninterest expense to average assets | 1.5421% | 4,889 |
| Loan and lease loss provision to assets | 0.6627% | 400 |
| Net operating income to assets | 1.3034% | 1,239 |
| Return on assets (ROA) | 1.3155% | 1,294 |
| Pretax return on assets | 1.4984% | 1,312 |
| Return on Equity (ROE) | 12.0390% | 1,093 |
| Retained earnings to average equity (ytd only) | -5.1003% | 4,529 |
| Net charge-offs to loans | 0.0102% | 2,210 |
| Credit loss provision to net charge-offs | 8,313.5857% | 89 |
| Earnings coverage of net charge-offs (x) | 269.3831% | 265 |
| Efficiency ratio | 41.5672% | 4,954 |
| Assets per employee ($millions) | 13.9846% | 157 |
| Cash dividends to net income (ytd only)* | 142.3647% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,188 |
| Loan loss allowance to noncurrent loans | 439.7381% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 3,166 |
| Noncurrent loans to loans | 0.3529% | 3,224 |
| Net loans and leases to total assets | 76.9232% | 1,147 |
| Net loans and leases to deposits | 90.7884% | 1,422 |
| Net loans and leases to core deposits | 124.1933% | 363 |
| Total domestic deposits to total assets | 80.2349% | 3,817 |
| Equity capital to assets | 10.5780% | 3,252 |
| Core capital (leverage) ratio | 10.0949% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4138% | 2,522 |
| Memoranda: | ||
| Average total assets | $45,060,391,500 | 50 |
| Average earning assets | $42,203,986,500 | 47 |
| Average equity | $4,923,569,500 | 52 |
| Average total loans | $35,336,980,000 | 42 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6875% | 2,363 |
| Cost of funding earning assets | 1.0153% | 1,662 |
| Net interest margin | 3.6722% | 2,895 |
| Noninterest income to average assets | 0.4688% | 2,908 |
| Noninterest expense to average assets | 1.6733% | 4,896 |
| Loan and lease loss provision to assets | 0.2345% | 813 |
| Net operating income to assets | 1.6071% | 829 |
| Return on assets (ROA) | 1.6159% | 862 |
| Pretax return on assets | 2.0298% | 563 |
| Return on Equity (ROE) | 14.6435% | 762 |
| Retained earnings to average equity (ytd only) | 10.6092% | 385 |
| Net charge-offs to loans | 0.1573% | 1,277 |
| Credit loss provision to net charge-offs | 189.5593% | 1,392 |
| Earnings coverage of net charge-offs (x) | 18.2121% | 2,068 |
| Efficiency ratio | 42.3443% | 5,020 |
| Assets per employee ($millions) | 13.4127% | 168 |
| Cash dividends to net income (ytd only)* | 27.5504% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,319 |
| Loan loss allowance to noncurrent loans | 297.2941% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.2731% | 3,335 |
| Noncurrent loans to loans | 0.3465% | 3,205 |
| Net loans and leases to total assets | 77.9075% | 1,095 |
| Net loans and leases to deposits | 91.7242% | 1,400 |
| Net loans and leases to core deposits | 126.6029% | 335 |
| Total domestic deposits to total assets | 79.7965% | 4,018 |
| Equity capital to assets | 11.2890% | 2,721 |
| Core capital (leverage) ratio | 10.2780% | 3,211 |
| Tier 1 risk-based capital ratio | 12.8581% | 3,868 |
| Total risk-based capital ratio | 13.9098% | 3,855 |
| Memoranda: | ||
| Average total assets | $42,677,699,800 | 48 |
| Average earning assets | $40,185,458,000 | 46 |
| Average equity | $4,709,562,200 | 51 |
| Average total loans | $33,571,449,800 | 40 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 2,304 |
| Cost of funding earning assets | 1.0389% | 1,588 |
| Net interest margin | 3.6998% | 2,924 |
| Noninterest income to average assets | 0.4382% | 3,087 |
| Noninterest expense to average assets | 1.6638% | 4,952 |
| Loan and lease loss provision to assets | 0.2498% | 655 |
| Net operating income to assets | 1.5589% | 1,035 |
| Return on assets (ROA) | 1.5688% | 1,055 |
| Pretax return on assets | 2.0222% | 660 |
| Return on Equity (ROE) | 14.3026% | 928 |
| Retained earnings to average equity (ytd only) | 10.2798% | 686 |
| Net charge-offs to loans | 0.1785% | 951 |
| Credit loss provision to net charge-offs | 177.9379% | 1,439 |
| Earnings coverage of net charge-offs (x) | 16.0951% | 2,153 |
| Efficiency ratio | 42.1299% | 5,077 |
| Assets per employee ($millions) | 13.1760% | 164 |
| Cash dividends to net income (ytd only)* | 28.1267% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,483 |
| Loan loss allowance to noncurrent loans | 260.3091% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 3,303 |
| Noncurrent loans to loans | 0.3902% | 3,148 |
| Net loans and leases to total assets | 77.8839% | 1,162 |
| Net loans and leases to deposits | 91.3818% | 1,517 |
| Net loans and leases to core deposits | 127.4936% | 342 |
| Total domestic deposits to total assets | 79.8136% | 4,025 |
| Equity capital to assets | 11.2378% | 2,886 |
| Core capital (leverage) ratio | 10.2441% | 3,369 |
| Tier 1 risk-based capital ratio | 12.6937% | 4,034 |
| Total risk-based capital ratio | 13.7374% | 4,031 |
| Memoranda: | ||
| Average total assets | $42,301,749,000 | 49 |
| Average earning assets | $39,846,373,000 | 47 |
| Average equity | $4,640,036,250 | 52 |
| Average total loans | $33,269,569,000 | 41 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 2,249 |
| Cost of funding earning assets | 1.0352% | 1,551 |
| Net interest margin | 3.7068% | 2,912 |
| Noninterest income to average assets | 0.4231% | 3,111 |
| Noninterest expense to average assets | 1.6955% | 4,982 |
| Loan and lease loss provision to assets | 0.1971% | 877 |
| Net operating income to assets | 1.5203% | 1,094 |
| Return on assets (ROA) | 1.5344% | 1,101 |
| Pretax return on assets | 2.0446% | 625 |
| Return on Equity (ROE) | 14.1071% | 954 |
| Retained earnings to average equity (ytd only) | 10.1657% | 710 |
| Net charge-offs to loans | 0.1337% | 1,128 |
| Credit loss provision to net charge-offs | 187.4111% | 1,278 |
| Earnings coverage of net charge-offs (x) | 21.1490% | 1,738 |
| Efficiency ratio | 42.9775% | 5,097 |
| Assets per employee ($millions) | 13.1477% | 158 |
| Cash dividends to net income (ytd only)* | 27.9395% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,740 |
| Loan loss allowance to noncurrent loans | 272.1776% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2836% | 3,421 |
| Noncurrent loans to loans | 0.3601% | 3,249 |
| Net loans and leases to total assets | 77.9097% | 1,240 |
| Net loans and leases to deposits | 91.0916% | 1,611 |
| Net loans and leases to core deposits | 127.1751% | 364 |
| Total domestic deposits to total assets | 79.7437% | 4,085 |
| Equity capital to assets | 11.0013% | 3,054 |
| Core capital (leverage) ratio | 10.3132% | 3,276 |
| Tier 1 risk-based capital ratio | 12.4091% | 4,179 |
| Total risk-based capital ratio | 13.4157% | 4,212 |
| Memoranda: | ||
| Average total assets | $41,987,836,330 | 49 |
| Average earning assets | $39,602,325,000 | 46 |
| Average equity | $4,566,845,000 | 51 |
| Average total loans | $33,017,668,670 | 40 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7311% | 2,112 |
| Cost of funding earning assets | 1.0112% | 1,526 |
| Net interest margin | 3.7198% | 2,815 |
| Noninterest income to average assets | 0.3745% | 3,354 |
| Noninterest expense to average assets | 1.7689% | 4,953 |
| Loan and lease loss provision to assets | 0.1987% | 810 |
| Net operating income to assets | 1.6046% | 884 |
| Return on assets (ROA) | 1.6204% | 889 |
| Pretax return on assets | 1.9369% | 728 |
| Return on Equity (ROE) | 14.9869% | 750 |
| Retained earnings to average equity (ytd only) | 11.4249% | 717 |
| Net charge-offs to loans | 0.1768% | 776 |
| Credit loss provision to net charge-offs | 142.9660% | 1,275 |
| Earnings coverage of net charge-offs (x) | 15.2284% | 1,750 |
| Efficiency ratio | 45.2327% | 5,057 |
| Assets per employee ($millions) | 12.9810% | 165 |
| Cash dividends to net income (ytd only)* | 23.7674% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9673% | 3,890 |
| Loan loss allowance to noncurrent loans | 225.6472% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3352% | 3,261 |
| Noncurrent loans to loans | 0.4287% | 3,046 |
| Net loans and leases to total assets | 77.3577% | 1,260 |
| Net loans and leases to deposits | 89.3092% | 1,714 |
| Net loans and leases to core deposits | 120.3786% | 518 |
| Total domestic deposits to total assets | 80.9083% | 3,988 |
| Equity capital to assets | 10.8908% | 2,963 |
| Core capital (leverage) ratio | 10.1887% | 3,400 |
| Tier 1 risk-based capital ratio | 12.3803% | 4,247 |
| Total risk-based capital ratio | 13.3832% | 4,274 |
| Memoranda: | ||
| Average total assets | $41,544,363,000 | 49 |
| Average earning assets | $39,214,273,500 | 47 |
| Average equity | $4,491,878,500 | 53 |
| Average total loans | $32,659,375,000 | 41 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5410% | 2,329 |
| Cost of funding earning assets | 0.7108% | 2,023 |
| Net interest margin | 3.8302% | 2,558 |
| Noninterest income to average assets | 0.5371% | 2,627 |
| Noninterest expense to average assets | 1.8292% | 4,977 |
| Loan and lease loss provision to assets | 0.1685% | 1,195 |
| Net operating income to assets | 1.8465% | 505 |
| Return on assets (ROA) | 1.8509% | 498 |
| Pretax return on assets | 2.1578% | 388 |
| Return on Equity (ROE) | 17.3838% | 450 |
| Retained earnings to average equity (ytd only) | 13.4886% | 196 |
| Net charge-offs to loans | 0.1312% | 1,438 |
| Credit loss provision to net charge-offs | 162.2336% | 1,709 |
| Earnings coverage of net charge-offs (x) | 22.3482% | 1,906 |
| Efficiency ratio | 43.7309% | 5,190 |
| Assets per employee ($millions) | 12.8340% | 167 |
| Cash dividends to net income (ytd only)* | 22.4067% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 3,918 |
| Loan loss allowance to noncurrent loans | 346.9774% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 3,728 |
| Noncurrent loans to loans | 0.2765% | 3,577 |
| Net loans and leases to total assets | 78.3670% | 1,208 |
| Net loans and leases to deposits | 90.1966% | 1,773 |
| Net loans and leases to core deposits | 119.4892% | 563 |
| Total domestic deposits to total assets | 80.9686% | 3,897 |
| Equity capital to assets | 10.6936% | 2,997 |
| Core capital (leverage) ratio | 9.7962% | 3,800 |
| Tier 1 risk-based capital ratio | 12.0981% | 4,365 |
| Total risk-based capital ratio | 13.0954% | 4,413 |
| Memoranda: | ||
| Average total assets | $38,579,585,200 | 51 |
| Average earning assets | $36,395,515,000 | 48 |
| Average equity | $4,107,698,200 | 55 |
| Average total loans | $30,543,833,000 | 42 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 2,466 |
| Cost of funding earning assets | 0.6421% | 2,194 |
| Net interest margin | 3.8070% | 2,617 |
| Noninterest income to average assets | 0.5856% | 2,386 |
| Noninterest expense to average assets | 1.8240% | 5,012 |
| Loan and lease loss provision to assets | 0.1675% | 1,120 |
| Net operating income to assets | 1.8867% | 502 |
| Return on assets (ROA) | 1.8915% | 496 |
| Pretax return on assets | 2.1903% | 403 |
| Return on Equity (ROE) | 17.7856% | 451 |
| Retained earnings to average equity (ytd only) | 14.3186% | 219 |
| Net charge-offs to loans | 0.1067% | 1,423 |
| Credit loss provision to net charge-offs | 198.2501% | 1,392 |
| Earnings coverage of net charge-offs (x) | 27.8441% | 1,693 |
| Efficiency ratio | 43.3207% | 5,240 |
| Assets per employee ($millions) | 13.3272% | 146 |
| Cash dividends to net income (ytd only)* | 19.4929% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 3,811 |
| Loan loss allowance to noncurrent loans | 261.0454% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 3,472 |
| Noncurrent loans to loans | 0.3805% | 3,287 |
| Net loans and leases to total assets | 79.1405% | 1,140 |
| Net loans and leases to deposits | 91.3665% | 1,709 |
| Net loans and leases to core deposits | 119.1747% | 600 |
| Total domestic deposits to total assets | 81.0100% | 3,867 |
| Equity capital to assets | 10.8264% | 2,822 |
| Core capital (leverage) ratio | 10.0084% | 3,623 |
| Tier 1 risk-based capital ratio | 12.2745% | 4,337 |
| Total risk-based capital ratio | 13.3067% | 4,355 |
| Memoranda: | ||
| Average total assets | $37,970,126,250 | 51 |
| Average earning assets | $35,812,425,500 | 49 |
| Average equity | $4,038,066,250 | 54 |
| Average total loans | $30,065,925,250 | 42 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 2,568 |
| Cost of funding earning assets | 0.5678% | 2,448 |
| Net interest margin | 3.7867% | 2,610 |
| Noninterest income to average assets | 0.6460% | 2,112 |
| Noninterest expense to average assets | 1.8308% | 5,060 |
| Loan and lease loss provision to assets | 0.1864% | 957 |
| Net operating income to assets | 1.9272% | 437 |
| Return on assets (ROA) | 1.9353% | 428 |
| Pretax return on assets | 2.2087% | 383 |
| Return on Equity (ROE) | 18.3118% | 389 |
| Retained earnings to average equity (ytd only) | 14.7897% | 212 |
| Net charge-offs to loans | 0.1374% | 1,092 |
| Credit loss provision to net charge-offs | 171.8369% | 1,448 |
| Earnings coverage of net charge-offs (x) | 21.9950% | 1,758 |
| Efficiency ratio | 43.0577% | 5,308 |
| Assets per employee ($millions) | 13.2890% | 141 |
| Cash dividends to net income (ytd only)* | 19.2340% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 3,873 |
| Loan loss allowance to noncurrent loans | 268.3426% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 3,572 |
| Noncurrent loans to loans | 0.3709% | 3,364 |
| Net loans and leases to total assets | 78.8340% | 1,187 |
| Net loans and leases to deposits | 90.9657% | 1,713 |
| Net loans and leases to core deposits | 116.9476% | 668 |
| Total domestic deposits to total assets | 81.2477% | 3,929 |
| Equity capital to assets | 10.7628% | 2,874 |
| Core capital (leverage) ratio | 9.9082% | 3,674 |
| Tier 1 risk-based capital ratio | 12.1119% | 4,432 |
| Total risk-based capital ratio | 13.1503% | 4,441 |
| Memoranda: | ||
| Average total assets | $37,610,631,330 | 51 |
| Average earning assets | $35,466,022,330 | 50 |
| Average equity | $3,974,906,330 | 54 |
| Average total loans | $29,683,467,330 | 42 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2196% | 2,823 |
| Cost of funding earning assets | 0.4959% | 2,828 |
| Net interest margin | 3.7236% | 2,713 |
| Noninterest income to average assets | 0.7854% | 1,499 |
| Noninterest expense to average assets | 1.7985% | 5,153 |
| Loan and lease loss provision to assets | 0.2131% | 755 |
| Net operating income to assets | 2.0107% | 367 |
| Return on assets (ROA) | 2.0265% | 353 |
| Pretax return on assets | 2.3021% | 316 |
| Return on Equity (ROE) | 19.3553% | 292 |
| Retained earnings to average equity (ytd only) | 19.3553% | 114 |
| Net charge-offs to loans | 0.1335% | 1,007 |
| Credit loss provision to net charge-offs | 203.2028% | 1,034 |
| Earnings coverage of net charge-offs (x) | 23.8119% | 1,374 |
| Efficiency ratio | 41.4973% | 5,416 |
| Assets per employee ($millions) | 13.2438% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,931 |
| Loan loss allowance to noncurrent loans | 215.9307% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 3,361 |
| Noncurrent loans to loans | 0.4649% | 3,138 |
| Net loans and leases to total assets | 77.9330% | 1,252 |
| Net loans and leases to deposits | 89.5955% | 1,732 |
| Net loans and leases to core deposits | 109.6676% | 1,023 |
| Total domestic deposits to total assets | 81.7771% | 4,022 |
| Equity capital to assets | 10.6176% | 2,952 |
| Core capital (leverage) ratio | 9.6768% | 3,874 |
| Tier 1 risk-based capital ratio | 11.9708% | 4,561 |
| Total risk-based capital ratio | 13.0129% | 4,585 |
| Memoranda: | ||
| Average total assets | $37,392,743,000 | 52 |
| Average earning assets | $35,252,204,000 | 51 |
| Average equity | $3,914,933,500 | 55 |
| Average total loans | $29,377,682,500 | 44 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 3,644 |
| Cost of funding earning assets | 0.3989% | 3,264 |
| Net interest margin | 3.5267% | 3,439 |
| Noninterest income to average assets | 0.6632% | 2,125 |
| Noninterest expense to average assets | 1.7790% | 5,255 |
| Loan and lease loss provision to assets | 0.1368% | 1,675 |
| Net operating income to assets | 1.3858% | 1,048 |
| Return on assets (ROA) | 1.4002% | 1,034 |
| Pretax return on assets | 2.0866% | 401 |
| Return on Equity (ROE) | 13.5835% | 833 |
| Retained earnings to average equity (ytd only) | 6.6873% | 1,200 |
| Net charge-offs to loans | 0.0845% | 2,249 |
| Credit loss provision to net charge-offs | 211.9245% | 1,287 |
| Earnings coverage of net charge-offs (x) | 34.1131% | 1,408 |
| Efficiency ratio | 44.2031% | 5,445 |
| Assets per employee ($millions) | 12.6560% | 153 |
| Cash dividends to net income (ytd only)* | 50.7692% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 4,022 |
| Loan loss allowance to noncurrent loans | 240.1097% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 3,579 |
| Noncurrent loans to loans | 0.4109% | 3,296 |
| Net loans and leases to total assets | 77.6313% | 1,330 |
| Net loans and leases to deposits | 88.9149% | 1,903 |
| Net loans and leases to core deposits | 107.0811% | 1,206 |
| Total domestic deposits to total assets | 82.2561% | 3,798 |
| Equity capital to assets | 10.3197% | 3,370 |
| Core capital (leverage) ratio | 9.1813% | 4,419 |
| Tier 1 risk-based capital ratio | 11.3981% | 4,919 |
| Total risk-based capital ratio | 12.4116% | 4,934 |
| Memoranda: | ||
| Average total assets | $35,871,922,800 | 52 |
| Average earning assets | $33,746,121,600 | 50 |
| Average equity | $3,697,666,400 | 55 |
| Average total loans | $27,394,644,800 | 45 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 3,844 |
| Cost of funding earning assets | 0.3825% | 3,352 |
| Net interest margin | 3.4641% | 3,624 |
| Noninterest income to average assets | 0.7332% | 1,860 |
| Noninterest expense to average assets | 1.7627% | 5,309 |
| Loan and lease loss provision to assets | 0.1205% | 1,802 |
| Net operating income to assets | 1.5533% | 799 |
| Return on assets (ROA) | 1.5711% | 782 |
| Pretax return on assets | 2.1324% | 423 |
| Return on Equity (ROE) | 15.2460% | 626 |
| Retained earnings to average equity (ytd only) | 5.9677% | 2,258 |
| Net charge-offs to loans | 0.0355% | 2,724 |
| Credit loss provision to net charge-offs | 447.4864% | 707 |
| Earnings coverage of net charge-offs (x) | 82.7812% | 793 |
| Efficiency ratio | 43.6616% | 5,493 |
| Assets per employee ($millions) | 12.6492% | 154 |
| Cash dividends to net income (ytd only)* | 60.8569% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,045 |
| Loan loss allowance to noncurrent loans | 237.3795% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 3,702 |
| Noncurrent loans to loans | 0.4220% | 3,437 |
| Net loans and leases to total assets | 77.8430% | 1,293 |
| Net loans and leases to deposits | 89.2735% | 1,893 |
| Net loans and leases to core deposits | 107.6611% | 1,156 |
| Total domestic deposits to total assets | 82.5511% | 3,603 |
| Equity capital to assets | 10.3127% | 3,580 |
| Core capital (leverage) ratio | 9.2543% | 4,459 |
| Tier 1 risk-based capital ratio | 11.2500% | 5,106 |
| Total risk-based capital ratio | 12.2812% | 5,118 |
| Memoranda: | ||
| Average total assets | $35,559,886,500 | 52 |
| Average earning assets | $33,448,378,750 | 50 |
| Average equity | $3,664,409,000 | 56 |
| Average total loans | $26,967,322,000 | 44 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 4,014 |
| Cost of funding earning assets | 0.3651% | 3,427 |
| Net interest margin | 3.4017% | 3,761 |
| Noninterest income to average assets | 0.8665% | 1,369 |
| Noninterest expense to average assets | 1.7620% | 5,352 |
| Loan and lease loss provision to assets | 0.1058% | 1,921 |
| Net operating income to assets | 1.5953% | 717 |
| Return on assets (ROA) | 1.6168% | 697 |
| Pretax return on assets | 2.2256% | 339 |
| Return on Equity (ROE) | 15.6935% | 568 |
| Retained earnings to average equity (ytd only) | 8.6840% | 944 |
| Net charge-offs to loans | 0.0238% | 2,746 |
| Credit loss provision to net charge-offs | 595.0955% | 580 |
| Earnings coverage of net charge-offs (x) | 129.4382% | 548 |
| Efficiency ratio | 42.8584% | 5,555 |
| Assets per employee ($millions) | 12.4954% | 152 |
| Cash dividends to net income (ytd only)* | 44.6649% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 4,063 |
| Loan loss allowance to noncurrent loans | 202.1538% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3870% | 3,562 |
| Noncurrent loans to loans | 0.5016% | 3,249 |
| Net loans and leases to total assets | 75.1698% | 1,668 |
| Net loans and leases to deposits | 86.2406% | 2,189 |
| Net loans and leases to core deposits | 105.9155% | 1,237 |
| Total domestic deposits to total assets | 82.1737% | 3,837 |
| Equity capital to assets | 10.3899% | 3,468 |
| Core capital (leverage) ratio | 9.4654% | 4,165 |
| Tier 1 risk-based capital ratio | 11.4957% | 4,960 |
| Total risk-based capital ratio | 12.5218% | 4,990 |
| Memoranda: | ||
| Average total assets | $35,312,067,670 | 52 |
| Average earning assets | $33,192,420,330 | 50 |
| Average equity | $3,637,924,000 | 55 |
| Average total loans | $26,441,251,000 | 44 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 4,171 |
| Cost of funding earning assets | 0.3559% | 3,466 |
| Net interest margin | 3.3234% | 3,937 |
| Noninterest income to average assets | 1.2662% | 632 |
| Noninterest expense to average assets | 1.6679% | 5,504 |
| Loan and lease loss provision to assets | 0.0915% | 2,012 |
| Net operating income to assets | 1.8837% | 378 |
| Return on assets (ROA) | 1.9041% | 373 |
| Pretax return on assets | 2.6558% | 176 |
| Return on Equity (ROE) | 18.5632% | 305 |
| Retained earnings to average equity (ytd only) | 9.0993% | 1,044 |
| Net charge-offs to loans | 0.0849% | 1,501 |
| Credit loss provision to net charge-offs | 145.1204% | 1,237 |
| Earnings coverage of net charge-offs (x) | 43.1077% | 981 |
| Efficiency ratio | 37.5463% | 5,731 |
| Assets per employee ($millions) | 12.4248% | 160 |
| Cash dividends to net income (ytd only)* | 50.9822% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 4,337 |
| Loan loss allowance to noncurrent loans | 171.7313% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 3,413 |
| Noncurrent loans to loans | 0.5777% | 3,075 |
| Net loans and leases to total assets | 74.3851% | 1,678 |
| Net loans and leases to deposits | 85.6743% | 2,064 |
| Net loans and leases to core deposits | 102.5368% | 1,330 |
| Total domestic deposits to total assets | 83.0054% | 3,836 |
| Equity capital to assets | 10.3068% | 3,399 |
| Core capital (leverage) ratio | 9.2340% | 4,428 |
| Tier 1 risk-based capital ratio | 11.3423% | 5,118 |
| Total risk-based capital ratio | 12.3346% | 5,168 |
| Memoranda: | ||
| Average total assets | $35,024,718,000 | 52 |
| Average earning assets | $32,888,717,000 | 50 |
| Average equity | $3,592,586,500 | 54 |
| Average total loans | $26,035,719,000 | 44 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6658% | 4,324 |
| Cost of funding earning assets | 0.3219% | 3,824 |
| Net interest margin | 3.3439% | 4,016 |
| Noninterest income to average assets | 0.4691% | 3,413 |
| Noninterest expense to average assets | 1.7298% | 5,537 |
| Loan and lease loss provision to assets | 0.0954% | 2,452 |
| Net operating income to assets | 1.2718% | 1,296 |
| Return on assets (ROA) | 1.2943% | 1,300 |
| Pretax return on assets | 1.7957% | 812 |
| Return on Equity (ROE) | 12.7595% | 1,055 |
| Retained earnings to average equity (ytd only) | 9.7930% | 448 |
| Net charge-offs to loans | 0.1458% | 1,806 |
| Credit loss provision to net charge-offs | 89.0752% | 2,814 |
| Earnings coverage of net charge-offs (x) | 17.3589% | 2,051 |
| Efficiency ratio | 47.5097% | 5,594 |
| Assets per employee ($millions) | 12.3185% | 160 |
| Cash dividends to net income (ytd only)* | 23.2497% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 4,196 |
| Loan loss allowance to noncurrent loans | 193.6750% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 3,648 |
| Noncurrent loans to loans | 0.5264% | 3,273 |
| Net loans and leases to total assets | 72.7779% | 2,046 |
| Net loans and leases to deposits | 84.3964% | 2,369 |
| Net loans and leases to core deposits | 101.2269% | 1,514 |
| Total domestic deposits to total assets | 82.3115% | 3,989 |
| Equity capital to assets | 10.2070% | 3,484 |
| Core capital (leverage) ratio | 9.0600% | 4,668 |
| Tier 1 risk-based capital ratio | 11.3335% | 5,152 |
| Total risk-based capital ratio | 12.3465% | 5,178 |
| Memoranda: | ||
| Average total assets | $33,232,027,600 | 52 |
| Average earning assets | $31,013,134,600 | 51 |
| Average equity | $3,370,933,200 | 53 |
| Average total loans | $24,418,427,400 | 46 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6322% | 4,462 |
| Cost of funding earning assets | 0.3119% | 3,955 |
| Net interest margin | 3.3204% | 4,128 |
| Noninterest income to average assets | 0.4573% | 3,504 |
| Noninterest expense to average assets | 1.7673% | 5,555 |
| Loan and lease loss provision to assets | 0.0773% | 2,678 |
| Net operating income to assets | 1.2720% | 1,378 |
| Return on assets (ROA) | 1.2975% | 1,399 |
| Pretax return on assets | 1.7445% | 1,014 |
| Return on Equity (ROE) | 12.8120% | 1,106 |
| Retained earnings to average equity (ytd only) | 8.8044% | 877 |
| Net charge-offs to loans | 0.1548% | 1,454 |
| Credit loss provision to net charge-offs | 67.9812% | 2,824 |
| Earnings coverage of net charge-offs (x) | 15.7178% | 2,163 |
| Efficiency ratio | 49.0111% | 5,554 |
| Assets per employee ($millions) | 11.7968% | 180 |
| Cash dividends to net income (ytd only)* | 31.2802% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 4,227 |
| Loan loss allowance to noncurrent loans | 181.6150% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 3,620 |
| Noncurrent loans to loans | 0.5683% | 3,297 |
| Net loans and leases to total assets | 73.8374% | 1,892 |
| Net loans and leases to deposits | 85.4543% | 2,316 |
| Net loans and leases to core deposits | 103.0717% | 1,411 |
| Total domestic deposits to total assets | 82.4760% | 3,789 |
| Equity capital to assets | 10.4429% | 3,618 |
| Core capital (leverage) ratio | 9.2143% | 4,567 |
| Tier 1 risk-based capital ratio | 11.2785% | 5,212 |
| Total risk-based capital ratio | 12.3165% | 5,242 |
| Memoranda: | ||
| Average total assets | $32,852,408,000 | 53 |
| Average earning assets | $30,647,141,250 | 52 |
| Average equity | $3,326,920,500 | 55 |
| Average total loans | $24,135,230,500 | 46 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6357% | 4,485 |
| Cost of funding earning assets | 0.3064% | 4,055 |
| Net interest margin | 3.3293% | 4,123 |
| Noninterest income to average assets | 0.4192% | 3,747 |
| Noninterest expense to average assets | 1.6846% | 5,697 |
| Loan and lease loss provision to assets | 0.0460% | 3,225 |
| Net operating income to assets | 1.2498% | 1,425 |
| Return on assets (ROA) | 1.2784% | 1,452 |
| Pretax return on assets | 1.8334% | 814 |
| Return on Equity (ROE) | 12.7582% | 1,088 |
| Retained earnings to average equity (ytd only) | 6.6597% | 1,779 |
| Net charge-offs to loans | 0.0466% | 2,548 |
| Credit loss provision to net charge-offs | 135.1327% | 1,729 |
| Earnings coverage of net charge-offs (x) | 53.9625% | 945 |
| Efficiency ratio | 47.0935% | 5,703 |
| Assets per employee ($millions) | 11.7447% | 166 |
| Cash dividends to net income (ytd only)* | 47.8005% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 3,952 |
| Loan loss allowance to noncurrent loans | 130.8494% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 3,099 |
| Noncurrent loans to loans | 0.8392% | 2,648 |
| Net loans and leases to total assets | 73.0333% | 2,007 |
| Net loans and leases to deposits | 84.7965% | 2,371 |
| Net loans and leases to core deposits | 102.0425% | 1,469 |
| Total domestic deposits to total assets | 82.5746% | 3,808 |
| Equity capital to assets | 10.2105% | 3,961 |
| Core capital (leverage) ratio | 8.9422% | 4,892 |
| Tier 1 risk-based capital ratio | 10.9736% | 5,432 |
| Total risk-based capital ratio | 12.0744% | 5,432 |
| Memoranda: | ||
| Average total assets | $32,729,916,000 | 53 |
| Average earning assets | $30,516,317,670 | 52 |
| Average equity | $3,279,515,670 | 54 |
| Average total loans | $23,918,808,670 | 47 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 4,537 |
| Cost of funding earning assets | 0.2990% | 4,171 |
| Net interest margin | 3.3316% | 4,106 |
| Noninterest income to average assets | 0.4027% | 3,808 |
| Noninterest expense to average assets | 1.6880% | 5,759 |
| Loan and lease loss provision to assets | 0.0047% | 3,614 |
| Net operating income to assets | 1.2808% | 1,302 |
| Return on assets (ROA) | 1.3142% | 1,300 |
| Pretax return on assets | 1.8605% | 755 |
| Return on Equity (ROE) | 13.2429% | 982 |
| Retained earnings to average equity (ytd only) | 0.8965% | 4,873 |
| Net charge-offs to loans | 0.0869% | 1,628 |
| Credit loss provision to net charge-offs | 7.4835% | 2,375 |
| Earnings coverage of net charge-offs (x) | 28.7687% | 1,208 |
| Efficiency ratio | 47.4091% | 5,751 |
| Assets per employee ($millions) | 11.7822% | 167 |
| Cash dividends to net income (ytd only)* | 93.2305% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 4,091 |
| Loan loss allowance to noncurrent loans | 131.6541% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 3,215 |
| Noncurrent loans to loans | 0.8309% | 2,763 |
| Net loans and leases to total assets | 71.1913% | 2,154 |
| Net loans and leases to deposits | 81.8519% | 2,565 |
| Net loans and leases to core deposits | 100.1491% | 1,474 |
| Total domestic deposits to total assets | 83.2992% | 3,790 |
| Equity capital to assets | 9.8405% | 4,284 |
| Core capital (leverage) ratio | 8.6540% | 5,227 |
| Tier 1 risk-based capital ratio | 10.8395% | 5,582 |
| Total risk-based capital ratio | 11.9455% | 5,577 |
| Memoranda: | ||
| Average total assets | $32,646,378,000 | 53 |
| Average earning assets | $30,411,114,000 | 51 |
| Average equity | $3,239,800,000 | 55 |
| Average total loans | $23,731,954,000 | 47 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 4,177 |
| Cost of funding earning assets | 0.3520% | 3,680 |
| Net interest margin | 3.4030% | 3,902 |
| Noninterest income to average assets | 0.4580% | 3,605 |
| Noninterest expense to average assets | 1.6940% | 5,846 |
| Loan and lease loss provision to assets | 0.0216% | 3,952 |
| Net operating income to assets | 1.1927% | 1,577 |
| Return on assets (ROA) | 1.2777% | 1,372 |
| Pretax return on assets | 2.0184% | 521 |
| Return on Equity (ROE) | 12.7564% | 1,109 |
| Retained earnings to average equity (ytd only) | 12.7564% | 219 |
| Net charge-offs to loans | 0.0125% | 4,051 |
| Credit loss provision to net charge-offs | 233.5229% | 1,224 |
| Earnings coverage of net charge-offs (x) | 205.8781% | 329 |
| Efficiency ratio | 46.1967% | 5,919 |
| Assets per employee ($millions) | 12.4445% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 3,936 |
| Loan loss allowance to noncurrent loans | 163.6004% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 3,540 |
| Noncurrent loans to loans | 0.6841% | 3,151 |
| Net loans and leases to total assets | 72.6054% | 1,954 |
| Net loans and leases to deposits | 85.0748% | 2,231 |
| Net loans and leases to core deposits | 107.4954% | 1,000 |
| Total domestic deposits to total assets | 81.9654% | 4,175 |
| Equity capital to assets | 10.0094% | 3,950 |
| Core capital (leverage) ratio | 8.7754% | 5,137 |
| Tier 1 risk-based capital ratio | 10.9599% | 5,539 |
| Total risk-based capital ratio | 12.0953% | 5,509 |
| Memoranda: | ||
| Average total assets | $30,366,638,200 | 53 |
| Average earning assets | $28,048,155,000 | 52 |
| Average equity | $3,041,596,600 | 56 |
| Average total loans | $22,492,361,200 | 41 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,135 |
| Cost of funding earning assets | 0.3694% | 3,549 |
| Net interest margin | 3.4171% | 3,882 |
| Noninterest income to average assets | 0.4901% | 3,439 |
| Noninterest expense to average assets | 1.6572% | 5,937 |
| Loan and lease loss provision to assets | 0.0441% | 3,335 |
| Net operating income to assets | 1.2121% | 1,611 |
| Return on assets (ROA) | 1.2891% | 1,422 |
| Pretax return on assets | 2.0598% | 535 |
| Return on Equity (ROE) | 12.8679% | 1,157 |
| Retained earnings to average equity (ytd only) | 12.8679% | 287 |
| Net charge-offs to loans | 0.0408% | 3,072 |
| Credit loss provision to net charge-offs | 145.6394% | 1,722 |
| Earnings coverage of net charge-offs (x) | 65.5274% | 854 |
| Efficiency ratio | 44.6555% | 6,015 |
| Assets per employee ($millions) | 12.2454% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 3,930 |
| Loan loss allowance to noncurrent loans | 156.9550% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 3,545 |
| Noncurrent loans to loans | 0.7324% | 3,137 |
| Net loans and leases to total assets | 73.1059% | 1,889 |
| Net loans and leases to deposits | 84.3673% | 2,363 |
| Net loans and leases to core deposits | 106.2054% | 1,083 |
| Total domestic deposits to total assets | 83.3708% | 3,665 |
| Equity capital to assets | 10.0968% | 4,052 |
| Core capital (leverage) ratio | 8.8111% | 5,227 |
| Tier 1 risk-based capital ratio | 11.0562% | 5,630 |
| Total risk-based capital ratio | 12.2399% | 5,564 |
| Memoranda: | ||
| Average total assets | $29,897,352,250 | 53 |
| Average earning assets | $27,566,716,000 | 52 |
| Average equity | $2,995,139,750 | 59 |
| Average total loans | $22,196,530,250 | 40 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8184% | 3,996 |
| Cost of funding earning assets | 0.3918% | 3,356 |
| Net interest margin | 3.4266% | 3,804 |
| Noninterest income to average assets | 0.5154% | 3,265 |
| Noninterest expense to average assets | 1.6378% | 6,025 |
| Loan and lease loss provision to assets | 0.0098% | 3,908 |
| Net operating income to assets | 1.3157% | 1,271 |
| Return on assets (ROA) | 1.3596% | 1,209 |
| Pretax return on assets | 2.0897% | 501 |
| Return on Equity (ROE) | 13.6094% | 980 |
| Retained earnings to average equity (ytd only) | 13.6094% | 263 |
| Net charge-offs to loans | 0.0174% | 3,357 |
| Credit loss provision to net charge-offs | 75.9812% | 2,383 |
| Earnings coverage of net charge-offs (x) | 156.8184% | 419 |
| Efficiency ratio | 43.7553% | 6,121 |
| Assets per employee ($millions) | 12.0244% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,935 |
| Loan loss allowance to noncurrent loans | 174.1503% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 3,656 |
| Noncurrent loans to loans | 0.6753% | 3,457 |
| Net loans and leases to total assets | 73.2269% | 1,784 |
| Net loans and leases to deposits | 85.4769% | 2,110 |
| Net loans and leases to core deposits | 108.3426% | 932 |
| Total domestic deposits to total assets | 82.0876% | 4,265 |
| Equity capital to assets | 10.1765% | 3,830 |
| Core capital (leverage) ratio | 8.8845% | 5,111 |
| Tier 1 risk-based capital ratio | 11.0827% | 5,669 |
| Total risk-based capital ratio | 12.2969% | 5,609 |
| Memoranda: | ||
| Average total assets | $29,495,348,670 | 52 |
| Average earning assets | $27,152,757,670 | 52 |
| Average equity | $2,946,706,670 | 58 |
| Average total loans | $21,927,769,330 | 40 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9153% | 3,538 |
| Cost of funding earning assets | 0.3929% | 3,380 |
| Net interest margin | 3.5224% | 3,337 |
| Noninterest income to average assets | 0.5308% | 3,085 |
| Noninterest expense to average assets | 1.6530% | 6,057 |
| Loan and lease loss provision to assets | 0.0283% | 3,309 |
| Net operating income to assets | 1.3174% | 1,219 |
| Return on assets (ROA) | 1.3560% | 1,191 |
| Pretax return on assets | 2.1463% | 439 |
| Return on Equity (ROE) | 13.7036% | 938 |
| Retained earnings to average equity (ytd only) | 13.7036% | 383 |
| Net charge-offs to loans | 0.1097% | 1,645 |
| Credit loss provision to net charge-offs | 34.5941% | 2,230 |
| Earnings coverage of net charge-offs (x) | 25.8803% | 1,256 |
| Efficiency ratio | 43.0099% | 6,208 |
| Assets per employee ($millions) | 12.1413% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 4,048 |
| Loan loss allowance to noncurrent loans | 178.2223% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 3,687 |
| Noncurrent loans to loans | 0.6667% | 3,614 |
| Net loans and leases to total assets | 71.8537% | 1,830 |
| Net loans and leases to deposits | 84.5257% | 2,001 |
| Net loans and leases to core deposits | 105.4294% | 975 |
| Total domestic deposits to total assets | 81.9287% | 4,531 |
| Equity capital to assets | 9.9013% | 4,269 |
| Core capital (leverage) ratio | 8.5813% | 5,444 |
| Tier 1 risk-based capital ratio | 10.6797% | 5,946 |
| Total risk-based capital ratio | 11.8676% | 5,900 |
| Memoranda: | ||
| Average total assets | $29,254,656,500 | 52 |
| Average earning assets | $26,880,243,000 | 52 |
| Average equity | $2,894,775,000 | 58 |
| Average total loans | $21,785,517,000 | 40 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 1,549 |
| Cost of funding earning assets | 0.4349% | 3,332 |
| Net interest margin | 4.1702% | 1,388 |
| Noninterest income to average assets | -0.0893% | 6,446 |
| Noninterest expense to average assets | 1.8716% | 5,972 |
| Loan and lease loss provision to assets | 0.1745% | 1,485 |
| Net operating income to assets | 1.1326% | 1,849 |
| Return on assets (ROA) | 1.1493% | 1,839 |
| Pretax return on assets | 1.7127% | 962 |
| Return on Equity (ROE) | 11.9153% | 1,438 |
| Retained earnings to average equity (ytd only) | 7.6725% | 1,131 |
| Net charge-offs to loans | 0.1744% | 2,279 |
| Credit loss provision to net charge-offs | 133.7569% | 1,773 |
| Earnings coverage of net charge-offs (x) | 14.2760% | 2,178 |
| Efficiency ratio | 49.1236% | 6,135 |
| Assets per employee ($millions) | 11.6767% | 155 |
| Cash dividends to net income (ytd only)* | 35.6083% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 4,025 |
| Loan loss allowance to noncurrent loans | 159.8456% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.7056% | 3,455 |
| Noncurrent loans to loans | 0.7483% | 3,456 |
| Net loans and leases to total assets | 75.3774% | 1,356 |
| Net loans and leases to deposits | 89.1763% | 1,597 |
| Net loans and leases to core deposits | 111.3469% | 718 |
| Total domestic deposits to total assets | 81.0211% | 4,742 |
| Equity capital to assets | 9.8886% | 4,246 |
| Core capital (leverage) ratio | 8.1518% | 5,888 |
| Tier 1 risk-based capital ratio | 10.5902% | 6,061 |
| Total risk-based capital ratio | 11.8407% | 6,009 |
| Memoranda: | ||
| Average total assets | $27,272,615,200 | 51 |
| Average earning assets | $25,002,438,800 | 51 |
| Average equity | $2,630,692,000 | 63 |
| Average total loans | $20,398,784,600 | 42 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6669% | 1,387 |
| Cost of funding earning assets | 0.4420% | 3,346 |
| Net interest margin | 4.2249% | 1,209 |
| Noninterest income to average assets | -0.1412% | 6,539 |
| Noninterest expense to average assets | 1.9176% | 5,919 |
| Loan and lease loss provision to assets | 0.1473% | 1,701 |
| Net operating income to assets | 1.0411% | 2,275 |
| Return on assets (ROA) | 1.0526% | 2,287 |
| Pretax return on assets | 1.6858% | 1,097 |
| Return on Equity (ROE) | 10.9862% | 1,793 |
| Retained earnings to average equity (ytd only) | 5.2167% | 2,941 |
| Net charge-offs to loans | 0.1743% | 2,057 |
| Credit loss provision to net charge-offs | 113.5433% | 1,998 |
| Earnings coverage of net charge-offs (x) | 13.9936% | 2,176 |
| Efficiency ratio | 50.3490% | 6,082 |
| Assets per employee ($millions) | 11.4503% | 157 |
| Cash dividends to net income (ytd only)* | 52.5155% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 4,297 |
| Loan loss allowance to noncurrent loans | 90.6363% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.1560% | 2,636 |
| Noncurrent loans to loans | 1.3099% | 2,460 |
| Net loans and leases to total assets | 74.3244% | 1,471 |
| Net loans and leases to deposits | 87.6493% | 1,717 |
| Net loans and leases to core deposits | 108.9728% | 797 |
| Total domestic deposits to total assets | 81.6757% | 4,598 |
| Equity capital to assets | 9.6083% | 4,659 |
| Core capital (leverage) ratio | 8.0789% | 6,015 |
| Tier 1 risk-based capital ratio | 10.3875% | 6,242 |
| Total risk-based capital ratio | 11.6262% | 6,203 |
| Memoranda: | ||
| Average total assets | $26,921,259,500 | 54 |
| Average earning assets | $24,684,739,250 | 52 |
| Average equity | $2,579,397,500 | 65 |
| Average total loans | $20,028,873,000 | 44 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 1,116 |
| Cost of funding earning assets | 0.4454% | 3,382 |
| Net interest margin | 4.3305% | 969 |
| Noninterest income to average assets | -0.2784% | 6,637 |
| Noninterest expense to average assets | 1.8058% | 6,139 |
| Loan and lease loss provision to assets | 0.1050% | 2,268 |
| Net operating income to assets | 1.0575% | 2,091 |
| Return on assets (ROA) | 1.0752% | 2,100 |
| Pretax return on assets | 1.8059% | 832 |
| Return on Equity (ROE) | 11.2328% | 1,649 |
| Retained earnings to average equity (ytd only) | 2.4135% | 4,673 |
| Net charge-offs to loans | 0.1242% | 2,431 |
| Credit loss provision to net charge-offs | 114.1155% | 1,770 |
| Earnings coverage of net charge-offs (x) | 20.4609% | 1,581 |
| Efficiency ratio | 47.8973% | 6,293 |
| Assets per employee ($millions) | 11.1419% | 172 |
| Cash dividends to net income (ytd only)* | 78.5138% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2186% | 4,339 |
| Loan loss allowance to noncurrent loans | 75.3947% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.4849% | 2,198 |
| Noncurrent loans to loans | 1.6163% | 2,150 |
| Net loans and leases to total assets | 74.2751% | 1,404 |
| Net loans and leases to deposits | 88.2915% | 1,560 |
| Net loans and leases to core deposits | 110.7891% | 662 |
| Total domestic deposits to total assets | 81.0021% | 4,978 |
| Equity capital to assets | 9.6509% | 4,559 |
| Core capital (leverage) ratio | 8.0801% | 6,035 |
| Tier 1 risk-based capital ratio | 10.4796% | 6,256 |
| Total risk-based capital ratio | 11.7305% | 6,202 |
| Memoranda: | ||
| Average total assets | $26,444,704,670 | 55 |
| Average earning assets | $24,228,138,330 | 53 |
| Average equity | $2,531,180,330 | 65 |
| Average total loans | $19,596,884,670 | 46 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7946% | 1,058 |
| Cost of funding earning assets | 0.4552% | 3,378 |
| Net interest margin | 4.3394% | 924 |
| Noninterest income to average assets | -0.3212% | 6,701 |
| Noninterest expense to average assets | 1.8082% | 6,213 |
| Loan and lease loss provision to assets | 0.1035% | 2,197 |
| Net operating income to assets | 0.9268% | 2,516 |
| Return on assets (ROA) | 0.9605% | 2,425 |
| Pretax return on assets | 1.7974% | 800 |
| Return on Equity (ROE) | 10.0792% | 2,008 |
| Retained earnings to average equity (ytd only) | -7.9737% | 6,283 |
| Net charge-offs to loans | 0.0883% | 2,280 |
| Credit loss provision to net charge-offs | 159.4967% | 1,201 |
| Earnings coverage of net charge-offs (x) | 28.4687% | 1,083 |
| Efficiency ratio | 48.3981% | 6,339 |
| Assets per employee ($millions) | 11.0621% | 187 |
| Cash dividends to net income (ytd only)* | 179.1100% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 4,326 |
| Loan loss allowance to noncurrent loans | 60.8317% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 1.7548% | 2,003 |
| Noncurrent loans to loans | 2.0701% | 1,788 |
| Net loans and leases to total assets | 72.4731% | 1,500 |
| Net loans and leases to deposits | 85.7021% | 1,636 |
| Net loans and leases to core deposits | 108.7072% | 641 |
| Total domestic deposits to total assets | 80.6737% | 5,326 |
| Equity capital to assets | 9.3488% | 4,702 |
| Core capital (leverage) ratio | 8.0003% | 6,118 |
| Tier 1 risk-based capital ratio | 10.5092% | 6,330 |
| Total risk-based capital ratio | 11.7608% | 6,296 |
| Memoranda: | ||
| Average total assets | $25,951,377,000 | 56 |
| Average earning assets | $23,787,440,000 | 54 |
| Average equity | $2,473,081,000 | 63 |
| Average total loans | $19,082,314,000 | 46 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 948 |
| Cost of funding earning assets | 0.5100% | 3,498 |
| Net interest margin | 4.4710% | 787 |
| Noninterest income to average assets | -0.4585% | 6,788 |
| Noninterest expense to average assets | 1.6870% | 6,461 |
| Loan and lease loss provision to assets | 0.0856% | 3,401 |
| Net operating income to assets | 1.1992% | 1,566 |
| Return on assets (ROA) | 1.2325% | 1,507 |
| Pretax return on assets | 1.8832% | 625 |
| Return on Equity (ROE) | 12.5106% | 1,274 |
| Retained earnings to average equity (ytd only) | -1.2089% | 6,090 |
| Net charge-offs to loans | 0.0317% | 4,795 |
| Credit loss provision to net charge-offs | 387.0331% | 588 |
| Earnings coverage of net charge-offs (x) | 86.6880% | 521 |
| Efficiency ratio | 45.7000% | 6,571 |
| Assets per employee ($millions) | 11.0321% | 173 |
| Cash dividends to net income (ytd only)* | 109.6631% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 3,763 |
| Loan loss allowance to noncurrent loans | 62.6493% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.8031% | 2,042 |
| Noncurrent loans to loans | 2.1967% | 1,777 |
| Net loans and leases to total assets | 72.6651% | 1,565 |
| Net loans and leases to deposits | 87.2277% | 1,552 |
| Net loans and leases to core deposits | 110.7423% | 583 |
| Total domestic deposits to total assets | 79.8978% | 5,467 |
| Equity capital to assets | 9.7301% | 4,133 |
| Core capital (leverage) ratio | 8.3860% | 5,798 |
| Tier 1 risk-based capital ratio | 11.6021% | 5,855 |
| Total risk-based capital ratio | 12.8556% | 5,789 |
| Memoranda: | ||
| Average total assets | $23,602,020,000 | 56 |
| Average earning assets | $21,448,762,600 | 54 |
| Average equity | $2,325,164,800 | 65 |
| Average total loans | $16,454,155,000 | 49 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 1,157 |
| Cost of funding earning assets | 0.5172% | 3,597 |
| Net interest margin | 4.3658% | 957 |
| Noninterest income to average assets | -0.3871% | 6,860 |
| Noninterest expense to average assets | 1.6571% | 6,513 |
| Loan and lease loss provision to assets | 0.0834% | 3,396 |
| Net operating income to assets | 1.2253% | 1,548 |
| Return on assets (ROA) | 1.2712% | 1,501 |
| Pretax return on assets | 1.9020% | 705 |
| Return on Equity (ROE) | 12.8621% | 1,268 |
| Retained earnings to average equity (ytd only) | -5.5702% | 6,516 |
| Net charge-offs to loans | 0.0528% | 4,153 |
| Credit loss provision to net charge-offs | 230.1024% | 1,057 |
| Earnings coverage of net charge-offs (x) | 52.8975% | 833 |
| Efficiency ratio | 45.2270% | 6,621 |
| Assets per employee ($millions) | 11.2514% | 162 |
| Cash dividends to net income (ytd only)* | 143.3070% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 3,869 |
| Loan loss allowance to noncurrent loans | 58.0676% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 1.9221% | 2,109 |
| Noncurrent loans to loans | 2.4215% | 1,805 |
| Net loans and leases to total assets | 69.5971% | 2,032 |
| Net loans and leases to deposits | 82.9492% | 2,006 |
| Net loans and leases to core deposits | 105.6272% | 780 |
| Total domestic deposits to total assets | 80.2870% | 5,432 |
| Equity capital to assets | 9.5150% | 4,539 |
| Core capital (leverage) ratio | 8.3617% | 5,899 |
| Tier 1 risk-based capital ratio | 11.8853% | 5,848 |
| Total risk-based capital ratio | 13.1394% | 5,788 |
| Memoranda: | ||
| Average total assets | $23,346,628,000 | 56 |
| Average earning assets | $21,181,927,750 | 54 |
| Average equity | $2,307,482,500 | 65 |
| Average total loans | $16,032,086,500 | 49 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7434% | 1,457 |
| Cost of funding earning assets | 0.5339% | 3,559 |
| Net interest margin | 4.2094% | 1,255 |
| Noninterest income to average assets | -0.2151% | 6,871 |
| Noninterest expense to average assets | 1.6394% | 6,558 |
| Loan and lease loss provision to assets | 0.1260% | 2,748 |
| Net operating income to assets | 1.2256% | 1,525 |
| Return on assets (ROA) | 1.2893% | 1,448 |
| Pretax return on assets | 1.9311% | 693 |
| Return on Equity (ROE) | 12.8745% | 1,270 |
| Retained earnings to average equity (ytd only) | -14.8588% | 6,757 |
| Net charge-offs to loans | 0.0767% | 3,616 |
| Credit loss provision to net charge-offs | 241.7738% | 1,043 |
| Earnings coverage of net charge-offs (x) | 37.6402% | 967 |
| Efficiency ratio | 44.3644% | 6,701 |
| Assets per employee ($millions) | 10.9339% | 175 |
| Cash dividends to net income (ytd only)* | 215.4125% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 3,631 |
| Loan loss allowance to noncurrent loans | 55.9737% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 2.1031% | 2,049 |
| Noncurrent loans to loans | 2.6621% | 1,719 |
| Net loans and leases to total assets | 68.9788% | 2,065 |
| Net loans and leases to deposits | 82.7262% | 1,957 |
| Net loans and leases to core deposits | 105.5587% | 760 |
| Total domestic deposits to total assets | 79.7312% | 5,663 |
| Equity capital to assets | 9.6715% | 4,352 |
| Core capital (leverage) ratio | 8.3510% | 5,825 |
| Tier 1 risk-based capital ratio | 12.2088% | 5,673 |
| Total risk-based capital ratio | 13.4642% | 5,616 |
| Memoranda: | ||
| Average total assets | $22,971,563,330 | 57 |
| Average earning assets | $20,827,192,000 | 54 |
| Average equity | $2,300,481,000 | 64 |
| Average total loans | $15,617,918,670 | 51 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 1,723 |
| Cost of funding earning assets | 0.5535% | 3,537 |
| Net interest margin | 4.0833% | 1,507 |
| Noninterest income to average assets | -0.1313% | 6,929 |
| Noninterest expense to average assets | 1.6622% | 6,610 |
| Loan and lease loss provision to assets | 0.0885% | 3,186 |
| Net operating income to assets | 1.2183% | 1,482 |
| Return on assets (ROA) | 1.2848% | 1,423 |
| Pretax return on assets | 1.9033% | 730 |
| Return on Equity (ROE) | 12.6092% | 1,263 |
| Retained earnings to average equity (ytd only) | -42.2966% | 6,946 |
| Net charge-offs to loans | 0.0180% | 3,796 |
| Credit loss provision to net charge-offs | 733.1395% | 396 |
| Earnings coverage of net charge-offs (x) | 156.9651% | 256 |
| Efficiency ratio | 45.5533% | 6,708 |
| Assets per employee ($millions) | 11.0211% | 170 |
| Cash dividends to net income (ytd only)* | 435.4414% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5479% | 3,629 |
| Loan loss allowance to noncurrent loans | 51.0704% | 5,119 |
| Noncurrent assets plus other real estate owned to assets | 2.3081% | 2,015 |
| Noncurrent loans to loans | 3.0309% | 1,656 |
| Net loans and leases to total assets | 65.8106% | 2,406 |
| Net loans and leases to deposits | 79.0668% | 2,203 |
| Net loans and leases to core deposits | 99.2887% | 991 |
| Total domestic deposits to total assets | 79.5813% | 5,845 |
| Equity capital to assets | 9.5418% | 4,793 |
| Core capital (leverage) ratio | 8.1747% | 5,957 |
| Tier 1 risk-based capital ratio | 12.4746% | 5,594 |
| Total risk-based capital ratio | 13.7311% | 5,536 |
| Memoranda: | ||
| Average total assets | $22,807,236,500 | 58 |
| Average earning assets | $20,596,571,500 | 57 |
| Average equity | $2,323,981,500 | 64 |
| Average total loans | $15,269,215,500 | 53 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3972% | 762 |
| Cost of funding earning assets | 0.6624% | 3,811 |
| Net interest margin | 4.7349% | 611 |
| Noninterest income to average assets | -0.1117% | 6,925 |
| Noninterest expense to average assets | 1.8291% | 6,587 |
| Loan and lease loss provision to assets | 0.3046% | 2,242 |
| Net operating income to assets | 1.3003% | 1,297 |
| Return on assets (ROA) | 1.3022% | 1,439 |
| Pretax return on assets | 1.9714% | 633 |
| Return on Equity (ROE) | 12.1034% | 1,481 |
| Retained earnings to average equity (ytd only) | -1.6409% | 6,110 |
| Net charge-offs to loans | 0.3316% | 2,982 |
| Credit loss provision to net charge-offs | 136.9514% | 2,022 |
| Earnings coverage of net charge-offs (x) | 10.2183% | 2,160 |
| Efficiency ratio | 43.3754% | 6,866 |
| Assets per employee ($millions) | 10.7725% | 188 |
| Cash dividends to net income (ytd only)* | 113.5571% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 3,508 |
| Loan loss allowance to noncurrent loans | 55.0255% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 2.1739% | 2,259 |
| Noncurrent loans to loans | 2.8219% | 1,869 |
| Net loans and leases to total assets | 66.0140% | 2,525 |
| Net loans and leases to deposits | 80.8484% | 2,170 |
| Net loans and leases to core deposits | 102.0272% | 889 |
| Total domestic deposits to total assets | 77.7963% | 6,112 |
| Equity capital to assets | 10.8538% | 3,115 |
| Core capital (leverage) ratio | 9.3005% | 4,416 |
| Tier 1 risk-based capital ratio | 14.3334% | 4,138 |
| Total risk-based capital ratio | 15.5899% | 4,095 |
| Memoranda: | ||
| Average total assets | $21,909,793,400 | 57 |
| Average earning assets | $19,498,576,800 | 54 |
| Average equity | $2,357,341,200 | 60 |
| Average total loans | $14,695,855,400 | 52 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3543% | 916 |
| Cost of funding earning assets | 0.6783% | 3,951 |
| Net interest margin | 4.6760% | 707 |
| Noninterest income to average assets | -0.0124% | 6,962 |
| Noninterest expense to average assets | 1.8480% | 6,619 |
| Loan and lease loss provision to assets | 0.3193% | 2,068 |
| Net operating income to assets | 1.3001% | 1,442 |
| Return on assets (ROA) | 1.3024% | 1,582 |
| Pretax return on assets | 1.9743% | 742 |
| Return on Equity (ROE) | 12.1320% | 1,591 |
| Retained earnings to average equity (ytd only) | -6.3649% | 6,687 |
| Net charge-offs to loans | 0.3572% | 2,672 |
| Credit loss provision to net charge-offs | 133.2609% | 2,171 |
| Earnings coverage of net charge-offs (x) | 9.5591% | 2,308 |
| Efficiency ratio | 43.4065% | 6,915 |
| Assets per employee ($millions) | 10.5274% | 201 |
| Cash dividends to net income (ytd only)* | 152.4634% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 3,601 |
| Loan loss allowance to noncurrent loans | 54.6811% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 2.2481% | 2,372 |
| Noncurrent loans to loans | 2.8890% | 1,935 |
| Net loans and leases to total assets | 65.5854% | 2,728 |
| Net loans and leases to deposits | 80.4899% | 2,316 |
| Net loans and leases to core deposits | 102.6116% | 950 |
| Total domestic deposits to total assets | 77.9496% | 6,090 |
| Equity capital to assets | 10.8463% | 3,447 |
| Core capital (leverage) ratio | 9.2463% | 4,682 |
| Tier 1 risk-based capital ratio | 14.7062% | 4,043 |
| Total risk-based capital ratio | 15.9639% | 4,004 |
| Memoranda: | ||
| Average total assets | $21,755,929,500 | 58 |
| Average earning assets | $19,311,349,500 | 55 |
| Average equity | $2,335,466,000 | 61 |
| Average total loans | $14,593,728,750 | 54 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4176% | 841 |
| Cost of funding earning assets | 0.6942% | 4,063 |
| Net interest margin | 4.7234% | 642 |
| Noninterest income to average assets | -0.0181% | 7,026 |
| Noninterest expense to average assets | 1.8881% | 6,619 |
| Loan and lease loss provision to assets | 0.2953% | 2,216 |
| Net operating income to assets | 1.2901% | 1,465 |
| Return on assets (ROA) | 1.2928% | 1,610 |
| Pretax return on assets | 1.9821% | 715 |
| Return on Equity (ROE) | 12.0853% | 1,640 |
| Retained earnings to average equity (ytd only) | -15.7772% | 6,956 |
| Net charge-offs to loans | 0.3008% | 2,825 |
| Credit loss provision to net charge-offs | 146.0058% | 1,898 |
| Earnings coverage of net charge-offs (x) | 11.2409% | 1,981 |
| Efficiency ratio | 44.1112% | 6,952 |
| Assets per employee ($millions) | 10.4242% | 206 |
| Cash dividends to net income (ytd only)* | 230.5492% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 3,689 |
| Loan loss allowance to noncurrent loans | 53.9327% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 2.3993% | 2,332 |
| Noncurrent loans to loans | 2.9207% | 2,046 |
| Net loans and leases to total assets | 65.8142% | 2,711 |
| Net loans and leases to deposits | 80.9173% | 2,242 |
| Net loans and leases to core deposits | 104.3650% | 835 |
| Total domestic deposits to total assets | 78.0623% | 6,148 |
| Equity capital to assets | 10.5691% | 3,603 |
| Core capital (leverage) ratio | 8.9417% | 4,992 |
| Tier 1 risk-based capital ratio | 14.5238% | 4,088 |
| Total risk-based capital ratio | 16.1275% | 3,804 |
| Memoranda: | ||
| Average total assets | $21,740,481,000 | 57 |
| Average earning assets | $19,236,631,330 | 55 |
| Average equity | $2,325,706,000 | 61 |
| Average total loans | $14,615,427,000 | 54 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2767% | 1,150 |
| Cost of funding earning assets | 0.7124% | 4,178 |
| Net interest margin | 4.5643% | 882 |
| Noninterest income to average assets | 0.2477% | 5,871 |
| Noninterest expense to average assets | 1.9791% | 6,504 |
| Loan and lease loss provision to assets | 0.2987% | 2,092 |
| Net operating income to assets | 1.2597% | 1,574 |
| Return on assets (ROA) | 1.2642% | 1,728 |
| Pretax return on assets | 2.0042% | 731 |
| Return on Equity (ROE) | 11.7485% | 1,753 |
| Retained earnings to average equity (ytd only) | -30.7765% | 7,137 |
| Net charge-offs to loans | 0.2804% | 2,545 |
| Credit loss provision to net charge-offs | 158.0573% | 1,604 |
| Earnings coverage of net charge-offs (x) | 12.1471% | 1,625 |
| Efficiency ratio | 45.0648% | 6,945 |
| Assets per employee ($millions) | 10.3196% | 216 |
| Cash dividends to net income (ytd only)* | 361.9621% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 4,009 |
| Loan loss allowance to noncurrent loans | 52.3753% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 2.5013% | 2,365 |
| Noncurrent loans to loans | 2.9307% | 2,205 |
| Net loans and leases to total assets | 65.6499% | 2,532 |
| Net loans and leases to deposits | 81.6143% | 1,982 |
| Net loans and leases to core deposits | 107.7309% | 620 |
| Total domestic deposits to total assets | 76.7898% | 6,433 |
| Equity capital to assets | 10.4466% | 3,558 |
| Core capital (leverage) ratio | 8.8548% | 5,057 |
| Tier 1 risk-based capital ratio | 14.0354% | 4,448 |
| Total risk-based capital ratio | 15.6272% | 4,165 |
| Memoranda: | ||
| Average total assets | $21,852,905,000 | 58 |
| Average earning assets | $19,281,911,000 | 56 |
| Average equity | $2,351,559,000 | 59 |
| Average total loans | $14,729,661,000 | 53 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7419% | 715 |
| Cost of funding earning assets | 0.9166% | 3,989 |
| Net interest margin | 4.8253% | 592 |
| Noninterest income to average assets | -0.1529% | 7,132 |
| Noninterest expense to average assets | 1.8582% | 6,878 |
| Loan and lease loss provision to assets | 0.4372% | 2,409 |
| Net operating income to assets | 1.1374% | 1,700 |
| Return on assets (ROA) | 1.1644% | 1,732 |
| Pretax return on assets | 1.8239% | 767 |
| Return on Equity (ROE) | 10.7201% | 1,795 |
| Retained earnings to average equity (ytd only) | 7.6357% | 1,214 |
| Net charge-offs to loans | 0.7912% | 2,178 |
| Credit loss provision to net charge-offs | 83.6856% | 4,290 |
| Earnings coverage of net charge-offs (x) | 4.2473% | 3,204 |
| Efficiency ratio | 44.1696% | 7,121 |
| Assets per employee ($millions) | 10.3645% | 211 |
| Cash dividends to net income (ytd only)* | 28.7719% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 4,248 |
| Loan loss allowance to noncurrent loans | 46.5236% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 2.6201% | 2,320 |
| Noncurrent loans to loans | 3.1105% | 2,079 |
| Net loans and leases to total assets | 67.1409% | 2,553 |
| Net loans and leases to deposits | 84.2525% | 1,892 |
| Net loans and leases to core deposits | 113.3540% | 527 |
| Total domestic deposits to total assets | 76.2216% | 6,454 |
| Equity capital to assets | 11.0720% | 2,920 |
| Core capital (leverage) ratio | 9.6040% | 3,862 |
| Tier 1 risk-based capital ratio | 14.6854% | 3,841 |
| Total risk-based capital ratio | 16.2614% | 3,591 |
| Memoranda: | ||
| Average total assets | $21,491,236,400 | 59 |
| Average earning assets | $18,839,853,000 | 59 |
| Average equity | $2,334,338,600 | 58 |
| Average total loans | $14,190,643,400 | 55 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7895% | 713 |
| Cost of funding earning assets | 0.9521% | 4,030 |
| Net interest margin | 4.8375% | 579 |
| Noninterest income to average assets | -0.1417% | 7,242 |
| Noninterest expense to average assets | 1.8794% | 6,878 |
| Loan and lease loss provision to assets | 0.4601% | 2,155 |
| Net operating income to assets | 1.1187% | 1,908 |
| Return on assets (ROA) | 1.1441% | 1,949 |
| Pretax return on assets | 1.7937% | 968 |
| Return on Equity (ROE) | 10.5854% | 2,002 |
| Retained earnings to average equity (ytd only) | 6.4297% | 2,272 |
| Net charge-offs to loans | 0.8611% | 1,846 |
| Credit loss provision to net charge-offs | 81.5929% | 4,091 |
| Earnings coverage of net charge-offs (x) | 3.9263% | 3,240 |
| Efficiency ratio | 44.4786% | 7,131 |
| Assets per employee ($millions) | 10.3097% | 228 |
| Cash dividends to net income (ytd only)* | 39.2591% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,998 |
| Loan loss allowance to noncurrent loans | 41.5559% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 2.9828% | 2,155 |
| Noncurrent loans to loans | 3.6613% | 1,873 |
| Net loans and leases to total assets | 64.7611% | 3,157 |
| Net loans and leases to deposits | 81.3127% | 2,483 |
| Net loans and leases to core deposits | 108.4697% | 748 |
| Total domestic deposits to total assets | 75.5252% | 6,588 |
| Equity capital to assets | 10.8827% | 3,259 |
| Core capital (leverage) ratio | 9.2215% | 4,589 |
| Tier 1 risk-based capital ratio | 14.4525% | 4,009 |
| Total risk-based capital ratio | 16.0358% | 3,759 |
| Memoranda: | ||
| Average total assets | $21,373,451,250 | 59 |
| Average earning assets | $18,712,656,250 | 59 |
| Average equity | $2,310,004,500 | 59 |
| Average total loans | $13,997,739,500 | 55 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 878 |
| Cost of funding earning assets | 0.9675% | 4,193 |
| Net interest margin | 4.7300% | 687 |
| Noninterest income to average assets | -0.0192% | 7,225 |
| Noninterest expense to average assets | 1.8934% | 6,960 |
| Loan and lease loss provision to assets | 0.4876% | 2,020 |
| Net operating income to assets | 1.1072% | 1,850 |
| Return on assets (ROA) | 1.1264% | 1,878 |
| Pretax return on assets | 1.7657% | 935 |
| Return on Equity (ROE) | 10.4464% | 1,965 |
| Retained earnings to average equity (ytd only) | 4.1555% | 3,551 |
| Net charge-offs to loans | 0.9498% | 1,646 |
| Credit loss provision to net charge-offs | 78.5016% | 3,821 |
| Earnings coverage of net charge-offs (x) | 3.5795% | 3,124 |
| Efficiency ratio | 44.5412% | 7,215 |
| Assets per employee ($millions) | 10.3413% | 222 |
| Cash dividends to net income (ytd only)* | 60.2208% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 3,879 |
| Loan loss allowance to noncurrent loans | 37.0653% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 3.4374% | 1,918 |
| Noncurrent loans to loans | 4.1971% | 1,623 |
| Net loans and leases to total assets | 63.8427% | 3,501 |
| Net loans and leases to deposits | 80.9290% | 2,624 |
| Net loans and leases to core deposits | 108.5566% | 780 |
| Total domestic deposits to total assets | 73.8704% | 6,854 |
| Equity capital to assets | 10.6620% | 3,322 |
| Core capital (leverage) ratio | 9.0605% | 4,628 |
| Tier 1 risk-based capital ratio | 14.9099% | 3,539 |
| Total risk-based capital ratio | 16.6346% | 3,253 |
| Memoranda: | ||
| Average total assets | $21,229,627,330 | 61 |
| Average earning assets | $18,563,474,000 | 61 |
| Average equity | $2,289,019,000 | 62 |
| Average total loans | $13,883,891,330 | 57 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5698% | 1,121 |
| Cost of funding earning assets | 0.9678% | 4,441 |
| Net interest margin | 4.6020% | 857 |
| Noninterest income to average assets | 0.0231% | 7,231 |
| Noninterest expense to average assets | 1.8844% | 7,018 |
| Loan and lease loss provision to assets | 0.4924% | 1,778 |
| Net operating income to assets | 1.0755% | 1,929 |
| Return on assets (ROA) | 1.1010% | 1,888 |
| Pretax return on assets | 1.7053% | 973 |
| Return on Equity (ROE) | 10.1525% | 2,045 |
| Retained earnings to average equity (ytd only) | 1.3345% | 5,294 |
| Net charge-offs to loans | 0.9977% | 1,361 |
| Credit loss provision to net charge-offs | 75.1430% | 3,252 |
| Earnings coverage of net charge-offs (x) | 3.2937% | 2,787 |
| Efficiency ratio | 45.1026% | 7,241 |
| Assets per employee ($millions) | 9.9607% | 242 |
| Cash dividends to net income (ytd only)* | 86.8553% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 3,566 |
| Loan loss allowance to noncurrent loans | 35.0458% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 3.8799% | 1,724 |
| Noncurrent loans to loans | 4.6833% | 1,484 |
| Net loans and leases to total assets | 64.1218% | 3,418 |
| Net loans and leases to deposits | 81.7710% | 2,401 |
| Net loans and leases to core deposits | 106.1265% | 932 |
| Total domestic deposits to total assets | 74.9814% | 6,797 |
| Equity capital to assets | 10.7539% | 2,926 |
| Core capital (leverage) ratio | 9.0640% | 4,501 |
| Tier 1 risk-based capital ratio | 15.5698% | 3,125 |
| Total risk-based capital ratio | 17.3336% | 2,839 |
| Memoranda: | ||
| Average total assets | $20,913,690,000 | 61 |
| Average earning assets | $18,267,704,000 | 63 |
| Average equity | $2,268,094,000 | 61 |
| Average total loans | $13,737,072,000 | 58 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2436% | 515 |
| Cost of funding earning assets | 1.1168% | 5,040 |
| Net interest margin | 5.1268% | 335 |
| Noninterest income to average assets | -0.1169% | 7,406 |
| Noninterest expense to average assets | 2.0956% | 6,857 |
| Loan and lease loss provision to assets | 0.9744% | 1,662 |
| Net operating income to assets | 0.7882% | 2,854 |
| Return on assets (ROA) | 0.8323% | 2,803 |
| Pretax return on assets | 1.2983% | 1,925 |
| Return on Equity (ROE) | 7.5360% | 2,880 |
| Retained earnings to average equity (ytd only) | 3.7548% | 3,238 |
| Net charge-offs to loans | 1.4732% | 1,500 |
| Credit loss provision to net charge-offs | 97.8484% | 4,737 |
| Earnings coverage of net charge-offs (x) | 2.2132% | 4,067 |
| Efficiency ratio | 47.2235% | 7,301 |
| Assets per employee ($millions) | 9.9475% | 252 |
| Cash dividends to net income (ytd only)* | 50.1747% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 3,164 |
| Loan loss allowance to noncurrent loans | 33.9004% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 4.1306% | 1,631 |
| Noncurrent loans to loans | 5.0539% | 1,324 |
| Net loans and leases to total assets | 65.0541% | 3,654 |
| Net loans and leases to deposits | 85.4747% | 2,188 |
| Net loans and leases to core deposits | 110.0296% | 914 |
| Total domestic deposits to total assets | 72.5306% | 7,037 |
| Equity capital to assets | 10.9381% | 2,740 |
| Core capital (leverage) ratio | 9.2855% | 4,033 |
| Tier 1 risk-based capital ratio | 15.6355% | 2,937 |
| Total risk-based capital ratio | 17.4001% | 2,634 |
| Memoranda: | ||
| Average total assets | $20,354,545,600 | 59 |
| Average earning assets | $17,533,868,800 | 61 |
| Average equity | $2,247,984,600 | 60 |
| Average total loans | $13,758,520,200 | 56 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1426% | 696 |
| Cost of funding earning assets | 1.1594% | 5,090 |
| Net interest margin | 4.9831% | 457 |
| Noninterest income to average assets | 0.0457% | 7,292 |
| Noninterest expense to average assets | 2.1460% | 6,744 |
| Loan and lease loss provision to assets | 1.1151% | 1,303 |
| Net operating income to assets | 0.6760% | 3,520 |
| Return on assets (ROA) | 0.7344% | 3,422 |
| Pretax return on assets | 1.1585% | 2,643 |
| Return on Equity (ROE) | 6.6331% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.6331% | 2,023 |
| Net charge-offs to loans | 1.5903% | 1,239 |
| Credit loss provision to net charge-offs | 103.1919% | 4,161 |
| Earnings coverage of net charge-offs (x) | 2.0196% | 4,207 |
| Efficiency ratio | 48.0529% | 7,267 |
| Assets per employee ($millions) | 9.8046% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 2,783 |
| Loan loss allowance to noncurrent loans | 34.3563% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 4.2982% | 1,584 |
| Noncurrent loans to loans | 5.2453% | 1,295 |
| Net loans and leases to total assets | 65.2451% | 3,854 |
| Net loans and leases to deposits | 85.3492% | 2,457 |
| Net loans and leases to core deposits | 107.9322% | 1,167 |
| Total domestic deposits to total assets | 72.8840% | 7,042 |
| Equity capital to assets | 11.3171% | 2,687 |
| Core capital (leverage) ratio | 9.5872% | 3,785 |
| Tier 1 risk-based capital ratio | 16.3729% | 2,606 |
| Total risk-based capital ratio | 18.1557% | 2,336 |
| Memoranda: | ||
| Average total assets | $20,270,486,500 | 59 |
| Average earning assets | $17,421,391,250 | 60 |
| Average equity | $2,244,185,250 | 60 |
| Average total loans | $13,774,443,750 | 55 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5845% | 293 |
| Cost of funding earning assets | 1.2039% | 5,110 |
| Net interest margin | 5.3806% | 206 |
| Noninterest income to average assets | 0.3623% | 5,249 |
| Noninterest expense to average assets | 2.8242% | 4,378 |
| Loan and lease loss provision to assets | 1.2828% | 1,079 |
| Net operating income to assets | 0.5508% | 4,088 |
| Return on assets (ROA) | 0.6300% | 3,870 |
| Pretax return on assets | 0.9978% | 3,121 |
| Return on Equity (ROE) | 5.7335% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.7335% | 2,475 |
| Net charge-offs to loans | 1.7206% | 1,084 |
| Credit loss provision to net charge-offs | 108.9034% | 3,745 |
| Earnings coverage of net charge-offs (x) | 1.8310% | 4,150 |
| Efficiency ratio | 55.3698% | 6,719 |
| Assets per employee ($millions) | 8.5214% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8192% | 2,668 |
| Loan loss allowance to noncurrent loans | 32.4406% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 4.6688% | 1,393 |
| Noncurrent loans to loans | 5.6078% | 1,172 |
| Net loans and leases to total assets | 67.6629% | 3,463 |
| Net loans and leases to deposits | 88.7728% | 2,039 |
| Net loans and leases to core deposits | 110.6145% | 1,127 |
| Total domestic deposits to total assets | 72.6350% | 7,129 |
| Equity capital to assets | 11.3460% | 2,556 |
| Core capital (leverage) ratio | 9.3440% | 4,051 |
| Tier 1 risk-based capital ratio | 16.7071% | 2,398 |
| Total risk-based capital ratio | 18.6612% | 2,093 |
| Memoranda: | ||
| Average total assets | $20,229,449,670 | 58 |
| Average earning assets | $17,364,967,670 | 60 |
| Average equity | $2,222,923,330 | 58 |
| Average total loans | $13,849,253,000 | 55 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2737% | 124 |
| Cost of funding earning assets | 1.2716% | 4,989 |
| Net interest margin | 6.0022% | 109 |
| Noninterest income to average assets | -0.7042% | 7,878 |
| Noninterest expense to average assets | 2.4047% | 6,065 |
| Loan and lease loss provision to assets | 1.4829% | 789 |
| Net operating income to assets | 0.3685% | 4,982 |
| Return on assets (ROA) | 0.5127% | 4,470 |
| Pretax return on assets | 0.7857% | 3,931 |
| Return on Equity (ROE) | 4.7414% | 4,510 |
| Retained earnings to average equity (ytd only) | 4.7414% | 3,301 |
| Net charge-offs to loans | 1.8374% | 940 |
| Credit loss provision to net charge-offs | 118.2765% | 2,954 |
| Earnings coverage of net charge-offs (x) | 1.6325% | 3,755 |
| Efficiency ratio | 52.5285% | 7,098 |
| Assets per employee ($millions) | 8.2275% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 2,660 |
| Loan loss allowance to noncurrent loans | 30.4430% | 6,371 |
| Noncurrent assets plus other real estate owned to assets | 4.6333% | 1,443 |
| Noncurrent loans to loans | 5.9894% | 1,100 |
| Net loans and leases to total assets | 66.6735% | 3,708 |
| Net loans and leases to deposits | 90.9072% | 1,772 |
| Net loans and leases to core deposits | 115.5224% | 972 |
| Total domestic deposits to total assets | 69.1654% | 7,463 |
| Equity capital to assets | 10.9701% | 2,792 |
| Core capital (leverage) ratio | 8.9979% | 4,577 |
| Tier 1 risk-based capital ratio | 16.6920% | 2,378 |
| Total risk-based capital ratio | 18.6545% | 2,075 |
| Memoranda: | ||
| Average total assets | $20,395,437,000 | 56 |
| Average earning assets | $17,518,834,000 | 59 |
| Average equity | $2,205,604,500 | 58 |
| Average total loans | $13,917,548,500 | 53 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7222% | 2,997 |
| Cost of funding earning assets | 1.8490% | 3,738 |
| Net interest margin | 3.8732% | 3,385 |
| Noninterest income to average assets | 3.3851% | 202 |
| Noninterest expense to average assets | 1.6312% | 7,751 |
| Loan and lease loss provision to assets | 3.7268% | 396 |
| Net operating income to assets | 1.1255% | 1,447 |
| Return on assets (ROA) | 0.6043% | 3,384 |
| Pretax return on assets | 0.8102% | 3,208 |
| Return on Equity (ROE) | 4.8994% | 3,710 |
| Retained earnings to average equity (ytd only) | 3.5581% | 2,687 |
| Net charge-offs to loans | 5.0238% | 259 |
| Credit loss provision to net charge-offs | 110.8435% | 4,962 |
| Earnings coverage of net charge-offs (x) | 1.5498% | 4,584 |
| Efficiency ratio | 23.2324% | 7,972 |
| Assets per employee ($millions) | 8.4123% | 425 |
| Cash dividends to net income (ytd only)* | 27.3765% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 2,909 |
| Loan loss allowance to noncurrent loans | 26.9217% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 4.5995% | 1,394 |
| Noncurrent loans to loans | 6.2937% | 969 |
| Net loans and leases to total assets | 67.3984% | 3,835 |
| Net loans and leases to deposits | 90.9377% | 2,058 |
| Net loans and leases to core deposits | 136.6971% | 927 |
| Total domestic deposits to total assets | 69.9548% | 7,430 |
| Equity capital to assets | 10.6608% | 3,006 |
| Core capital (leverage) ratio | 10.2376% | 2,836 |
| Tier 1 risk-based capital ratio | 15.6743% | 2,648 |
| Total risk-based capital ratio | 17.6029% | 2,320 |
| Memoranda: | ||
| Average total assets | $14,137,849,200 | 76 |
| Average earning assets | $12,617,970,800 | 74 |
| Average equity | $1,743,931,000 | 69 |
| Average total loans | $9,461,921,800 | 75 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1482% | 6,116 |
| Cost of funding earning assets | 2.0006% | 3,357 |
| Net interest margin | 3.1476% | 6,188 |
| Noninterest income to average assets | 0.1860% | 6,886 |
| Noninterest expense to average assets | 1.4877% | 7,893 |
| Loan and lease loss provision to assets | 4.1284% | 281 |
| Net operating income to assets | -1.4676% | 7,090 |
| Return on assets (ROA) | -1.8569% | 7,256 |
| Pretax return on assets | -3.1526% | 7,541 |
| Return on Equity (ROE) | -14.2596% | 7,151 |
| Retained earnings to average equity (ytd only) | -16.1707% | 7,196 |
| Net charge-offs to loans | 5.5347% | 175 |
| Credit loss provision to net charge-offs | 112.5800% | 4,513 |
| Earnings coverage of net charge-offs (x) | 0.4232% | 5,607 |
| Efficiency ratio | 47.7917% | 7,672 |
| Assets per employee ($millions) | 10.1592% | 253 |
| Cash dividends to net income (ytd only)* | -13.4017% | 7,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7496% | 832 |
| Loan loss allowance to noncurrent loans | 111.9687% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 1.8921% | 3,521 |
| Noncurrent loans to loans | 2.4557% | 3,070 |
| Net loans and leases to total assets | 65.4981% | 4,535 |
| Net loans and leases to deposits | 92.7627% | 2,103 |
| Net loans and leases to core deposits | 140.9029% | 879 |
| Total domestic deposits to total assets | 68.4127% | 7,538 |
| Equity capital to assets | 12.5092% | 1,950 |
| Core capital (leverage) ratio | 9.6622% | 3,701 |
| Tier 1 risk-based capital ratio | 11.8825% | 5,080 |
| Total risk-based capital ratio | 13.9261% | 4,363 |
| Memoranda: | ||
| Average total assets | $12,532,423,000 | 90 |
| Average earning assets | $11,362,018,500 | 89 |
| Average equity | $1,631,959,250 | 74 |
| Average total loans | $8,303,491,250 | 91 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 6,418 |
| Cost of funding earning assets | 2.1029% | 3,248 |
| Net interest margin | 3.0017% | 6,547 |
| Noninterest income to average assets | 0.1161% | 7,407 |
| Noninterest expense to average assets | 1.4886% | 7,976 |
| Loan and lease loss provision to assets | 3.6607% | 371 |
| Net operating income to assets | -1.3487% | 7,186 |
| Return on assets (ROA) | -1.7098% | 7,326 |
| Pretax return on assets | -2.8246% | 7,515 |
| Return on Equity (ROE) | -12.9616% | 7,225 |
| Retained earnings to average equity (ytd only) | -15.1956% | 7,249 |
| Net charge-offs to loans | 4.6753% | 270 |
| Credit loss provision to net charge-offs | 118.8230% | 3,916 |
| Earnings coverage of net charge-offs (x) | 0.4389% | 5,260 |
| Efficiency ratio | 51.1580% | 7,581 |
| Assets per employee ($millions) | 10.2404% | 246 |
| Cash dividends to net income (ytd only)* | -17.2353% | 7,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6274% | 798 |
| Loan loss allowance to noncurrent loans | 137.9383% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 1.5823% | 3,841 |
| Noncurrent loans to loans | 1.9047% | 3,665 |
| Net loans and leases to total assets | 65.2365% | 4,715 |
| Net loans and leases to deposits | 95.5092% | 1,870 |
| Net loans and leases to core deposits | 152.2563% | 594 |
| Total domestic deposits to total assets | 66.0038% | 7,741 |
| Equity capital to assets | 12.6962% | 1,833 |
| Core capital (leverage) ratio | 10.2448% | 3,049 |
| Tier 1 risk-based capital ratio | 12.0778% | 4,849 |
| Total risk-based capital ratio | 14.1003% | 4,161 |
| Memoranda: | ||
| Average total assets | $12,558,164,330 | 95 |
| Average earning assets | $11,399,343,000 | 93 |
| Average equity | $1,656,597,330 | 76 |
| Average total loans | $8,275,132,670 | 100 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 6,611 |
| Cost of funding earning assets | 2.2389% | 2,966 |
| Net interest margin | 2.8736% | 6,825 |
| Noninterest income to average assets | 0.1433% | 7,272 |
| Noninterest expense to average assets | 1.4405% | 8,025 |
| Loan and lease loss provision to assets | 2.4671% | 470 |
| Net operating income to assets | -0.7296% | 7,080 |
| Return on assets (ROA) | -0.6615% | 7,057 |
| Pretax return on assets | -1.0506% | 7,173 |
| Return on Equity (ROE) | -4.9206% | 6,970 |
| Retained earnings to average equity (ytd only) | -7.3285% | 6,830 |
| Net charge-offs to loans | 2.9216% | 439 |
| Credit loss provision to net charge-offs | 129.2484% | 3,104 |
| Earnings coverage of net charge-offs (x) | 0.6863% | 4,460 |
| Efficiency ratio | 51.0607% | 7,505 |
| Assets per employee ($millions) | 9.9406% | 269 |
| Cash dividends to net income (ytd only)* | -48.9343% | 8,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4241% | 822 |
| Loan loss allowance to noncurrent loans | 78.8064% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 2.3593% | 2,427 |
| Noncurrent loans to loans | 3.0760% | 2,110 |
| Net loans and leases to total assets | 62.6626% | 5,214 |
| Net loans and leases to deposits | 92.7562% | 2,475 |
| Net loans and leases to core deposits | 148.3129% | 765 |
| Total domestic deposits to total assets | 65.8084% | 7,743 |
| Equity capital to assets | 13.3042% | 1,612 |
| Core capital (leverage) ratio | 11.2965% | 2,282 |
| Tier 1 risk-based capital ratio | 13.4628% | 3,888 |
| Total risk-based capital ratio | 15.4491% | 3,411 |
| Memoranda: | ||
| Average total assets | $12,483,065,500 | 97 |
| Average earning assets | $11,326,459,500 | 94 |
| Average equity | $1,678,157,000 | 76 |
| Average total loans | $8,155,604,500 | 102 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1623% | 4,710 |
| Cost of funding earning assets | 2.7890% | 2,750 |
| Net interest margin | 3.3733% | 5,774 |
| Noninterest income to average assets | 0.3016% | 6,297 |
| Noninterest expense to average assets | 1.5576% | 8,002 |
| Loan and lease loss provision to assets | 1.9427% | 638 |
| Net operating income to assets | -0.0092% | 6,385 |
| Return on assets (ROA) | -0.3297% | 6,629 |
| Pretax return on assets | -0.6452% | 6,769 |
| Return on Equity (ROE) | -2.7885% | 6,594 |
| Retained earnings to average equity (ytd only) | -5.2448% | 6,549 |
| Net charge-offs to loans | 1.6367% | 686 |
| Credit loss provision to net charge-offs | 163.3697% | 3,156 |
| Earnings coverage of net charge-offs (x) | 1.5122% | 5,346 |
| Efficiency ratio | 44.5937% | 7,989 |
| Assets per employee ($millions) | 9.5250% | 297 |
| Cash dividends to net income (ytd only)* | -88.0866% | 8,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 995 |
| Loan loss allowance to noncurrent loans | 82.9545% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 2.1911% | 2,231 |
| Noncurrent loans to loans | 2.6018% | 2,084 |
| Net loans and leases to total assets | 65.0258% | 5,060 |
| Net loans and leases to deposits | 98.8446% | 2,003 |
| Net loans and leases to core deposits | 147.8385% | 944 |
| Total domestic deposits to total assets | 64.7413% | 7,742 |
| Equity capital to assets | 13.5843% | 1,575 |
| Core capital (leverage) ratio | 12.1863% | 1,886 |
| Tier 1 risk-based capital ratio | 13.6198% | 3,747 |
| Total risk-based capital ratio | 15.5987% | 3,284 |
| Memoranda: | ||
| Average total assets | $11,893,145,600 | 100 |
| Average earning assets | $10,768,302,200 | 99 |
| Average equity | $1,406,067,000 | 83 |
| Average total loans | $8,640,883,200 | 93 |