| 2025-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7,026,382.0000% | 2 |
| Cost of funding earning assets | 11,980.0000% | 3 |
| Net interest margin | 0.0000% | 4,423 |
| Noninterest income to average assets | 0.0000% | 4,395 |
| Noninterest expense to average assets | 0.0000% | 4,437 |
| Loan and lease loss provision to assets | NA | NA |
| Net operating income to assets | NA | NA |
| Return on assets (ROA) | 0.7163% | 3,078 |
| Pretax return on assets | 0.9731% | 2,792 |
| Return on Equity (ROE) | 7.9600% | 2,866 |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,662 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 1.0000% | 1,714 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 2,170 |
| Efficiency ratio | 6,685,000.0000% | 2 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.3167% | 2,325 |
| Condition Ratios (%) |
| Loss allowance to loans | 112,415.0000% | 2 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | NA | NA |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | NA | NA |
| Net loans and leases to deposits | 0.0000% | 4,363 |
| Net loans and leases to core deposits | 0.0000% | 4,351 |
| Total domestic deposits to total assets | 0.0411% | 4,417 |
| Equity capital to assets | 118,617.0000% | 18 |
| Core capital (leverage) ratio | 0.0000% | 4,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $332,000 | 4,456 |
| Average earning assets | $11,412 | 4,436 |
| Average equity | $0 | 4,424 |
| Average total loans | NA | NA |
| 2024-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8323% | 1,537 |
| Cost of funding earning assets | 3.3921% | 229 |
| Net interest margin | 2.4403% | 3,964 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 1.6523% | 4,138 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.6370% | 3,136 |
| Return on assets (ROA) | 0.6410% | 3,149 |
| Pretax return on assets | 0.8834% | 2,854 |
| Return on Equity (ROE) | 6.9500% | 3,037 |
| Retained earnings to average equity (ytd only) | 6.9533% | 1,445 |
| Net charge-offs to loans | 0.0487% | 1,659 |
| Credit loss provision to net charge-offs | 154.9624% | 1,381 |
| Earnings coverage of net charge-offs (x) | 26.9758% | 1,606 |
| Efficiency ratio | 62.5595% | 2,881 |
| Assets per employee ($millions) | 25.6618% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8026% | 3,865 |
| Loan loss allowance to noncurrent loans | 44.8809% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.3216% | 462 |
| Noncurrent loans to loans | 1.7882% | 476 |
| Net loans and leases to total assets | 71.7700% | 1,693 |
| Net loans and leases to deposits | 91.3684% | 1,093 |
| Net loans and leases to core deposits | 102.5330% | 1,300 |
| Total domestic deposits to total assets | 78.5500% | 3,713 |
| Equity capital to assets | 9.0567% | 2,774 |
| Core capital (leverage) ratio | 8.9874% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8585% | 1,923 |
| Memoranda: |
| Average total assets | $38,836,089,400 | 58 |
| Average earning assets | $37,792,159,600 | 53 |
| Average equity | $3,579,976,400 | 66 |
| Average total loans | $27,847,135,400 | 52 |
| 2024-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8383% | 1,489 |
| Cost of funding earning assets | 3.4196% | 228 |
| Net interest margin | 2.4188% | 3,986 |
| Noninterest income to average assets | 0.2000% | 3,691 |
| Noninterest expense to average assets | 1.6485% | 4,131 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.6127% | 3,186 |
| Return on assets (ROA) | 0.6213% | 3,190 |
| Pretax return on assets | 0.8533% | 2,916 |
| Return on Equity (ROE) | 6.7100% | 3,116 |
| Retained earnings to average equity (ytd only) | 6.7085% | 1,838 |
| Net charge-offs to loans | 0.0449% | 1,473 |
| Credit loss provision to net charge-offs | 188.7867% | 1,127 |
| Earnings coverage of net charge-offs (x) | 28.2340% | 1,565 |
| Efficiency ratio | 62.9584% | 2,820 |
| Assets per employee ($millions) | 25.5162% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8368% | 3,833 |
| Loan loss allowance to noncurrent loans | 43.8857% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.3857% | 401 |
| Noncurrent loans to loans | 1.9067% | 420 |
| Net loans and leases to total assets | 70.6700% | 1,764 |
| Net loans and leases to deposits | 90.7239% | 1,175 |
| Net loans and leases to core deposits | 104.1050% | 1,233 |
| Total domestic deposits to total assets | 77.8900% | 3,741 |
| Equity capital to assets | 9.1482% | 2,926 |
| Core capital (leverage) ratio | 9.0416% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4507% | 1,727 |
| Memoranda: |
| Average total assets | $38,344,541,250 | 61 |
| Average earning assets | $37,300,702,750 | 57 |
| Average equity | $3,551,132,000 | 68 |
| Average total loans | $27,428,979,250 | 55 |
| 2024-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7492% | 1,531 |
| Cost of funding earning assets | 3.3616% | 234 |
| Net interest margin | 2.3876% | 4,006 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 1.6652% | 4,125 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 0.5898% | 3,205 |
| Return on assets (ROA) | 0.5939% | 3,226 |
| Pretax return on assets | 0.8162% | 2,959 |
| Return on Equity (ROE) | 6.3900% | 3,168 |
| Retained earnings to average equity (ytd only) | 6.3852% | 1,870 |
| Net charge-offs to loans | 0.0451% | 1,338 |
| Credit loss provision to net charge-offs | 153.0596% | 1,201 |
| Earnings coverage of net charge-offs (x) | 26.7256% | 1,457 |
| Efficiency ratio | 63.4763% | 2,836 |
| Assets per employee ($millions) | 25.1568% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8275% | 3,874 |
| Loan loss allowance to noncurrent loans | 43.9676% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 1.3711% | 380 |
| Noncurrent loans to loans | 1.8820% | 412 |
| Net loans and leases to total assets | 70.7000% | 1,818 |
| Net loans and leases to deposits | 95.1326% | 857 |
| Net loans and leases to core deposits | 106.8284% | 1,110 |
| Total domestic deposits to total assets | 74.3200% | 4,042 |
| Equity capital to assets | 9.1185% | 2,661 |
| Core capital (leverage) ratio | 9.1272% | 3,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4441% | 1,720 |
| Memoranda: |
| Average total assets | $37,840,606,333 | 60 |
| Average earning assets | $36,797,679,000 | 57 |
| Average equity | $3,519,469,667 | 68 |
| Average total loans | $27,104,232,333 | 54 |
| 2024-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6601% | 1,527 |
| Cost of funding earning assets | 3.2883% | 242 |
| Net interest margin | 2.3718% | 4,037 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 1.6849% | 4,122 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 0.5859% | 3,186 |
| Return on assets (ROA) | 0.5864% | 3,208 |
| Pretax return on assets | 0.7854% | 2,963 |
| Return on Equity (ROE) | 6.2400% | 3,153 |
| Retained earnings to average equity (ytd only) | 6.2401% | 2,034 |
| Net charge-offs to loans | 0.0256% | 1,339 |
| Credit loss provision to net charge-offs | 259.3658% | 713 |
| Earnings coverage of net charge-offs (x) | 46.2560% | 989 |
| Efficiency ratio | 63.5401% | 2,867 |
| Assets per employee ($millions) | 24.1086% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8599% | 3,810 |
| Loan loss allowance to noncurrent loans | 37.3369% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.6734% | 240 |
| Noncurrent loans to loans | 2.3032% | 252 |
| Net loans and leases to total assets | 70.5800% | 1,739 |
| Net loans and leases to deposits | 92.8831% | 956 |
| Net loans and leases to core deposits | 106.9643% | 1,059 |
| Total domestic deposits to total assets | 75.9900% | 3,990 |
| Equity capital to assets | 9.3137% | 2,457 |
| Core capital (leverage) ratio | 9.3665% | 3,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0534% | 1,524 |
| Memoranda: |
| Average total assets | $37,037,981,000 | 61 |
| Average earning assets | $36,026,309,500 | 57 |
| Average equity | $3,480,767,500 | 67 |
| Average total loans | $26,595,109,000 | 54 |
| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0281% | 2,022 |
| Cost of funding earning assets | 2.9115% | 170 |
| Net interest margin | 2.1166% | 4,362 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 1.7794% | 4,030 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.2275% | 4,130 |
| Return on assets (ROA) | 0.3283% | 3,987 |
| Pretax return on assets | 0.3777% | 3,994 |
| Return on Equity (ROE) | 3.4500% | 3,961 |
| Retained earnings to average equity (ytd only) | 3.4534% | 3,142 |
| Net charge-offs to loans | 0.0085% | 2,345 |
| Credit loss provision to net charge-offs | 495.3401% | 684 |
| Earnings coverage of net charge-offs (x) | 48.7792% | 1,309 |
| Efficiency ratio | 81.3401% | 824 |
| Assets per employee ($millions) | 23.5219% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8761% | 3,790 |
| Loan loss allowance to noncurrent loans | 35.0343% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.8384% | 169 |
| Noncurrent loans to loans | 2.5008% | 196 |
| Net loans and leases to total assets | 71.8100% | 1,603 |
| Net loans and leases to deposits | 92.7706% | 1,030 |
| Net loans and leases to core deposits | 108.8584% | 1,002 |
| Total domestic deposits to total assets | 77.4000% | 3,798 |
| Equity capital to assets | 9.4861% | 2,354 |
| Core capital (leverage) ratio | 9.4413% | 3,304 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5631% | 1,380 |
| Memoranda: |
| Average total assets | $36,691,241,800 | 60 |
| Average earning assets | $35,637,273,800 | 55 |
| Average equity | $3,488,553,200 | 61 |
| Average total loans | $28,181,517,600 | 52 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8994% | 2,060 |
| Cost of funding earning assets | 2.8293% | 149 |
| Net interest margin | 2.0701% | 4,419 |
| Noninterest income to average assets | -0.0200% | 4,611 |
| Noninterest expense to average assets | 1.7893% | 4,002 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.1258% | 4,298 |
| Return on assets (ROA) | 0.2587% | 4,172 |
| Pretax return on assets | 0.2978% | 4,168 |
| Return on Equity (ROE) | 2.7200% | 4,131 |
| Retained earnings to average equity (ytd only) | 2.7193% | 3,581 |
| Net charge-offs to loans | -0.0021% | 3,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.2448% | 503 |
| Assets per employee ($millions) | 22.8739% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9053% | 3,714 |
| Loan loss allowance to noncurrent loans | 32.9172% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 2.0327% | 133 |
| Noncurrent loans to loans | 2.7502% | 166 |
| Net loans and leases to total assets | 72.4200% | 1,523 |
| Net loans and leases to deposits | 96.2277% | 739 |
| Net loans and leases to core deposits | 115.8126% | 667 |
| Total domestic deposits to total assets | 75.2600% | 4,073 |
| Equity capital to assets | 9.8462% | 1,914 |
| Core capital (leverage) ratio | 9.3953% | 3,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3476% | 1,233 |
| Memoranda: |
| Average total assets | $36,825,762,250 | 61 |
| Average earning assets | $35,753,038,750 | 56 |
| Average equity | $3,503,307,500 | 60 |
| Average total loans | $28,679,314,750 | 53 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7208% | 2,163 |
| Cost of funding earning assets | 2.6903% | 134 |
| Net interest margin | 2.0305% | 4,488 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.0356% | 3,505 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.3143% | 4,134 |
| Return on assets (ROA) | 0.3146% | 4,159 |
| Pretax return on assets | 0.4005% | 4,118 |
| Return on Equity (ROE) | 3.3400% | 4,117 |
| Retained earnings to average equity (ytd only) | 3.3431% | 3,393 |
| Net charge-offs to loans | -0.0064% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.3280% | 883 |
| Assets per employee ($millions) | 25.0889% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8109% | 3,993 |
| Loan loss allowance to noncurrent loans | 25.7332% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 2.4713% | 98 |
| Noncurrent loans to loans | 3.1513% | 131 |
| Net loans and leases to total assets | 76.8800% | 958 |
| Net loans and leases to deposits | 111.9016% | 175 |
| Net loans and leases to core deposits | 132.4090% | 293 |
| Total domestic deposits to total assets | 68.7000% | 4,391 |
| Equity capital to assets | 9.7967% | 1,978 |
| Core capital (leverage) ratio | 9.5173% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1470% | 1,287 |
| Memoranda: |
| Average total assets | $37,557,322,333 | 58 |
| Average earning assets | $36,489,859,000 | 54 |
| Average equity | $3,534,464,000 | 60 |
| Average total loans | $29,802,519,667 | 51 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5299% | 2,248 |
| Cost of funding earning assets | 2.4509% | 107 |
| Net interest margin | 2.0790% | 4,541 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 1.9475% | 3,753 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.6477% | 3,588 |
| Return on assets (ROA) | 0.6496% | 3,543 |
| Pretax return on assets | 0.8365% | 3,377 |
| Return on Equity (ROE) | 7.0400% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.0409% | 2,483 |
| Net charge-offs to loans | -0.0083% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.5346% | 2,152 |
| Assets per employee ($millions) | 22.7309% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7334% | 4,198 |
| Loan loss allowance to noncurrent loans | 21.4444% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 2.8714% | 58 |
| Noncurrent loans to loans | 3.4199% | 116 |
| Net loans and leases to total assets | 82.3000% | 342 |
| Net loans and leases to deposits | 120.0694% | 86 |
| Net loans and leases to core deposits | 139.8807% | 185 |
| Total domestic deposits to total assets | 68.5400% | 4,450 |
| Equity capital to assets | 9.5940% | 2,067 |
| Core capital (leverage) ratio | 9.4123% | 3,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5506% | 1,478 |
| Memoranda: |
| Average total assets | $38,108,912,000 | 60 |
| Average earning assets | $37,027,531,000 | 56 |
| Average equity | $3,516,038,000 | 62 |
| Average total loans | $30,576,280,000 | 48 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5400% | 2,974 |
| Cost of funding earning assets | 1.0938% | 112 |
| Net interest margin | 2.4463% | 4,326 |
| Noninterest income to average assets | -1.1000% | 4,708 |
| Noninterest expense to average assets | 2.4353% | 2,319 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | -0.7811% | 4,655 |
| Return on assets (ROA) | -0.9673% | 4,653 |
| Pretax return on assets | -1.3546% | 4,662 |
| Return on Equity (ROE) | -9.5500% | 4,658 |
| Retained earnings to average equity (ytd only) | -10.3172% | 4,634 |
| Net charge-offs to loans | -0.0105% | 3,845 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 132.8062% | 54 |
| Assets per employee ($millions) | 25.5785% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6893% | 4,222 |
| Loan loss allowance to noncurrent loans | 18.3920% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 2.9333% | 50 |
| Noncurrent loans to loans | 3.7478% | 99 |
| Net loans and leases to total assets | 77.2000% | 877 |
| Net loans and leases to deposits | 115.2880% | 103 |
| Net loans and leases to core deposits | 138.7711% | 152 |
| Total domestic deposits to total assets | 66.9700% | 4,520 |
| Equity capital to assets | 8.8830% | 2,430 |
| Core capital (leverage) ratio | 9.1234% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3734% | 1,515 |
| Memoranda: |
| Average total assets | $38,521,181,600 | 62 |
| Average earning assets | $37,290,145,000 | 55 |
| Average equity | $3,902,423,000 | 62 |
| Average total loans | $31,442,510,200 | 47 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3303% | 3,096 |
| Cost of funding earning assets | 0.8334% | 137 |
| Net interest margin | 2.4970% | 4,212 |
| Noninterest income to average assets | 1.3200% | 422 |
| Noninterest expense to average assets | 1.7739% | 4,028 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5712% | 704 |
| Return on assets (ROA) | 1.3117% | 1,281 |
| Pretax return on assets | 1.6090% | 1,099 |
| Return on Equity (ROE) | 12.5500% | 1,857 |
| Retained earnings to average equity (ytd only) | 11.5507% | 905 |
| Net charge-offs to loans | -0.0127% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.5863% | 4,400 |
| Assets per employee ($millions) | 26.1433% | 60 |
| Cash dividends to net income (ytd only)* | 7.9626% | 2,902 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7575% | 4,168 |
| Loan loss allowance to noncurrent loans | 20.4586% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 3.1173% | 46 |
| Noncurrent loans to loans | 3.7025% | 109 |
| Net loans and leases to total assets | 83.2200% | 306 |
| Net loans and leases to deposits | 121.2939% | 52 |
| Net loans and leases to core deposits | 134.3042% | 126 |
| Total domestic deposits to total assets | 68.6100% | 4,555 |
| Equity capital to assets | 11.3783% | 1,047 |
| Core capital (leverage) ratio | 10.5072% | 2,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9938% | 1,177 |
| Memoranda: |
| Average total assets | $38,297,354,250 | 64 |
| Average earning assets | $37,031,652,500 | 60 |
| Average equity | $4,002,685,250 | 61 |
| Average total loans | $31,642,458,250 | 49 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1009% | 3,301 |
| Cost of funding earning assets | 0.6778% | 178 |
| Net interest margin | 2.4231% | 4,196 |
| Noninterest income to average assets | 1.3879% | 377 |
| Noninterest expense to average assets | 1.7826% | 4,004 |
| Loan and lease loss provision to assets | 0.0517% | 1,655 |
| Net operating income to assets | 1.4444% | 806 |
| Return on assets (ROA) | 1.1546% | 1,567 |
| Pretax return on assets | 1.5294% | 1,101 |
| Return on Equity (ROE) | 11.3755% | 1,871 |
| Retained earnings to average equity (ytd only) | 11.3755% | 723 |
| Net charge-offs to loans | -0.0138% | 3,727 |
| Credit loss provision to net charge-offs | -453.9444% | 3,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7937% | 4,461 |
| Assets per employee ($millions) | 26.6596% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7396% | 4,269 |
| Loan loss allowance to noncurrent loans | 17.7554% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 3.4995% | 38 |
| Noncurrent loans to loans | 4.1657% | 86 |
| Net loans and leases to total assets | 83.1306% | 225 |
| Net loans and leases to deposits | 121.4912% | 41 |
| Net loans and leases to core deposits | 133.5608% | 102 |
| Total domestic deposits to total assets | 68.4252% | 4,636 |
| Equity capital to assets | 10.5264% | 1,414 |
| Core capital (leverage) ratio | 10.0129% | 2,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0609% | 1,424 |
| Memoranda: |
| Average total assets | $38,531,791,333 | 63 |
| Average earning assets | $37,251,159,000 | 59 |
| Average equity | $3,911,059,000 | 63 |
| Average total loans | $31,681,269,667 | 49 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9404% | 3,430 |
| Cost of funding earning assets | 0.6451% | 204 |
| Net interest margin | 2.2953% | 4,244 |
| Noninterest income to average assets | 1.0664% | 599 |
| Noninterest expense to average assets | 1.7901% | 3,960 |
| Loan and lease loss provision to assets | 0.0757% | 1,088 |
| Net operating income to assets | 1.0537% | 1,672 |
| Return on assets (ROA) | 1.0464% | 1,697 |
| Pretax return on assets | 1.4090% | 1,227 |
| Return on Equity (ROE) | 10.5043% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.5043% | 904 |
| Net charge-offs to loans | -0.0181% | 3,862 |
| Credit loss provision to net charge-offs | -512.2277% | 3,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2441% | 4,185 |
| Assets per employee ($millions) | 26.1674% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7516% | 4,313 |
| Loan loss allowance to noncurrent loans | 14.5188% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 4.3028% | 31 |
| Noncurrent loans to loans | 5.1766% | 66 |
| Net loans and leases to total assets | 81.9704% | 161 |
| Net loans and leases to deposits | 115.6320% | 42 |
| Net loans and leases to core deposits | 126.3302% | 112 |
| Total domestic deposits to total assets | 70.8890% | 4,645 |
| Equity capital to assets | 10.2552% | 1,719 |
| Core capital (leverage) ratio | 9.8929% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8349% | 1,554 |
| Memoranda: |
| Average total assets | $38,509,478,500 | 63 |
| Average earning assets | $37,206,359,500 | 60 |
| Average equity | $3,836,229,500 | 65 |
| Average total loans | $31,368,022,500 | 49 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9194% | 4,020 |
| Cost of funding earning assets | 0.8141% | 189 |
| Net interest margin | 2.1054% | 4,541 |
| Noninterest income to average assets | 1.1758% | 768 |
| Noninterest expense to average assets | 2.1406% | 3,270 |
| Loan and lease loss provision to assets | 0.0420% | 2,212 |
| Net operating income to assets | 0.7566% | 3,465 |
| Return on assets (ROA) | 0.7554% | 3,535 |
| Pretax return on assets | 1.0182% | 3,208 |
| Return on Equity (ROE) | 8.1916% | 3,161 |
| Retained earnings to average equity (ytd only) | 8.1916% | 1,467 |
| Net charge-offs to loans | 0.0800% | 1,003 |
| Credit loss provision to net charge-offs | 62.8155% | 2,051 |
| Earnings coverage of net charge-offs (x) | 15.8855% | 1,995 |
| Efficiency ratio | 64.5593% | 2,470 |
| Assets per employee ($millions) | 26.5463% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7224% | 4,387 |
| Loan loss allowance to noncurrent loans | 11.9181% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 4.8997% | 27 |
| Noncurrent loans to loans | 6.0611% | 49 |
| Net loans and leases to total assets | 79.7720% | 277 |
| Net loans and leases to deposits | 112.2892% | 71 |
| Net loans and leases to core deposits | 123.8102% | 134 |
| Total domestic deposits to total assets | 71.0416% | 4,665 |
| Equity capital to assets | 9.6769% | 2,967 |
| Core capital (leverage) ratio | 9.3975% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2161% | 1,770 |
| Memoranda: |
| Average total assets | $39,122,237,600 | 58 |
| Average earning assets | $37,656,736,000 | 56 |
| Average equity | $3,607,472,600 | 67 |
| Average total loans | $32,674,515,600 | 46 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9460% | 4,090 |
| Cost of funding earning assets | 0.8464% | 198 |
| Net interest margin | 2.0996% | 4,626 |
| Noninterest income to average assets | 1.2700% | 723 |
| Noninterest expense to average assets | 2.2321% | 2,966 |
| Loan and lease loss provision to assets | 0.0605% | 1,783 |
| Net operating income to assets | 0.7289% | 3,698 |
| Return on assets (ROA) | 0.7280% | 3,761 |
| Pretax return on assets | 0.9952% | 3,475 |
| Return on Equity (ROE) | 7.9932% | 3,406 |
| Retained earnings to average equity (ytd only) | 7.9932% | 2,057 |
| Net charge-offs to loans | 0.0986% | 745 |
| Credit loss provision to net charge-offs | 72.7362% | 1,746 |
| Earnings coverage of net charge-offs (x) | 12.7108% | 1,945 |
| Efficiency ratio | 65.6402% | 2,154 |
| Assets per employee ($millions) | 24.1762% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7280% | 4,455 |
| Loan loss allowance to noncurrent loans | 10.4780% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 5.8848% | 17 |
| Noncurrent loans to loans | 6.9480% | 40 |
| Net loans and leases to total assets | 83.4356% | 128 |
| Net loans and leases to deposits | 116.7740% | 49 |
| Net loans and leases to core deposits | 130.3510% | 114 |
| Total domestic deposits to total assets | 71.4505% | 4,700 |
| Equity capital to assets | 9.8173% | 3,086 |
| Core capital (leverage) ratio | 9.2380% | 3,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8591% | 2,025 |
| Memoranda: |
| Average total assets | $39,133,750,500 | 59 |
| Average earning assets | $37,630,638,250 | 56 |
| Average equity | $3,564,003,000 | 69 |
| Average total loans | $32,993,473,250 | 44 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9627% | 4,109 |
| Cost of funding earning assets | 0.8700% | 208 |
| Net interest margin | 2.0927% | 4,657 |
| Noninterest income to average assets | 1.3613% | 637 |
| Noninterest expense to average assets | 2.3737% | 2,546 |
| Loan and lease loss provision to assets | 0.0631% | 1,785 |
| Net operating income to assets | 0.6821% | 3,801 |
| Return on assets (ROA) | 0.6807% | 3,873 |
| Pretax return on assets | 0.9330% | 3,590 |
| Return on Equity (ROE) | 7.6635% | 3,489 |
| Retained earnings to average equity (ytd only) | 7.6635% | 2,203 |
| Net charge-offs to loans | 0.1247% | 627 |
| Credit loss provision to net charge-offs | 60.0038% | 1,557 |
| Earnings coverage of net charge-offs (x) | 9.4833% | 1,831 |
| Efficiency ratio | 68.2628% | 1,849 |
| Assets per employee ($millions) | 21.0490% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7001% | 4,532 |
| Loan loss allowance to noncurrent loans | 9.0993% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 6.5538% | 18 |
| Noncurrent loans to loans | 7.6937% | 31 |
| Net loans and leases to total assets | 84.2120% | 131 |
| Net loans and leases to deposits | 119.8570% | 56 |
| Net loans and leases to core deposits | 134.7645% | 105 |
| Total domestic deposits to total assets | 70.2605% | 4,750 |
| Equity capital to assets | 9.3509% | 3,471 |
| Core capital (leverage) ratio | 8.9597% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9971% | 2,372 |
| Memoranda: |
| Average total assets | $39,655,058,333 | 58 |
| Average earning assets | $38,091,756,000 | 56 |
| Average equity | $3,522,560,000 | 69 |
| Average total loans | $33,465,800,667 | 44 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0093% | 4,063 |
| Cost of funding earning assets | 0.9117% | 208 |
| Net interest margin | 2.0976% | 4,680 |
| Noninterest income to average assets | 1.3991% | 679 |
| Noninterest expense to average assets | 2.2540% | 2,929 |
| Loan and lease loss provision to assets | 0.1220% | 1,125 |
| Net operating income to assets | 0.7560% | 3,557 |
| Return on assets (ROA) | 0.7525% | 3,639 |
| Pretax return on assets | 1.0297% | 3,291 |
| Return on Equity (ROE) | 8.6899% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.6899% | 2,041 |
| Net charge-offs to loans | 0.1722% | 460 |
| Credit loss provision to net charge-offs | 84.1236% | 1,190 |
| Earnings coverage of net charge-offs (x) | 7.9738% | 1,596 |
| Efficiency ratio | 64.0138% | 2,461 |
| Assets per employee ($millions) | 18.9477% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7101% | 4,557 |
| Loan loss allowance to noncurrent loans | 8.7594% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 6.8593% | 16 |
| Noncurrent loans to loans | 8.1072% | 33 |
| Net loans and leases to total assets | 83.6152% | 166 |
| Net loans and leases to deposits | 119.1723% | 72 |
| Net loans and leases to core deposits | 136.6099% | 101 |
| Total domestic deposits to total assets | 70.1632% | 4,764 |
| Equity capital to assets | 9.0662% | 3,621 |
| Core capital (leverage) ratio | 8.5426% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5480% | 2,472 |
| Memoranda: |
| Average total assets | $40,264,869,000 | 58 |
| Average earning assets | $38,601,462,500 | 56 |
| Average equity | $3,486,811,500 | 70 |
| Average total loans | $33,900,971,000 | 46 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3090% | 4,319 |
| Cost of funding earning assets | 1.3476% | 152 |
| Net interest margin | 1.9614% | 4,843 |
| Noninterest income to average assets | 0.7665% | 1,637 |
| Noninterest expense to average assets | 3.4116% | 783 |
| Loan and lease loss provision to assets | 0.2824% | 1,350 |
| Net operating income to assets | -1.0317% | 4,933 |
| Return on assets (ROA) | -1.0046% | 4,933 |
| Pretax return on assets | -1.0315% | 4,927 |
| Return on Equity (ROE) | -12.3137% | 4,958 |
| Retained earnings to average equity (ytd only) | -13.5314% | 4,939 |
| Net charge-offs to loans | 0.1003% | 1,468 |
| Credit loss provision to net charge-offs | 336.6600% | 1,614 |
| Earnings coverage of net charge-offs (x) | -9.2647% | 3,401 |
| Efficiency ratio | 79.4141% | 929 |
| Assets per employee ($millions) | 17.5721% | 124 |
| Cash dividends to net income (ytd only)* | -9.8894% | 4,958 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6793% | 4,616 |
| Loan loss allowance to noncurrent loans | 8.6288% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 6.6752% | 21 |
| Noncurrent loans to loans | 7.8726% | 39 |
| Net loans and leases to total assets | 83.6058% | 196 |
| Net loans and leases to deposits | 116.2036% | 99 |
| Net loans and leases to core deposits | 133.9447% | 168 |
| Total domestic deposits to total assets | 71.9476% | 4,712 |
| Equity capital to assets | 8.2748% | 4,585 |
| Core capital (leverage) ratio | 7.8367% | 4,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7021% | 2,729 |
| Memoranda: |
| Average total assets | $42,276,943,400 | 55 |
| Average earning assets | $40,263,156,400 | 53 |
| Average equity | $3,448,978,800 | 69 |
| Average total loans | $35,339,941,000 | 43 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3833% | 4,370 |
| Cost of funding earning assets | 1.4459% | 145 |
| Net interest margin | 1.9375% | 4,903 |
| Noninterest income to average assets | 0.6941% | 1,820 |
| Noninterest expense to average assets | 3.7856% | 465 |
| Loan and lease loss provision to assets | 0.3322% | 1,167 |
| Net operating income to assets | -1.4994% | 4,975 |
| Return on assets (ROA) | -1.4721% | 4,975 |
| Pretax return on assets | -1.5534% | 4,969 |
| Return on Equity (ROE) | -18.1072% | 4,996 |
| Retained earnings to average equity (ytd only) | -19.7277% | 4,981 |
| Net charge-offs to loans | 0.1057% | 1,270 |
| Credit loss provision to net charge-offs | 376.6449% | 1,526 |
| Earnings coverage of net charge-offs (x) | -14.1720% | 3,206 |
| Efficiency ratio | 81.1334% | 783 |
| Assets per employee ($millions) | 17.0083% | 121 |
| Cash dividends to net income (ytd only)* | -8.9498% | 4,988 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6542% | 4,655 |
| Loan loss allowance to noncurrent loans | 7.9901% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 6.7846% | 30 |
| Noncurrent loans to loans | 8.1881% | 41 |
| Net loans and leases to total assets | 81.6927% | 456 |
| Net loans and leases to deposits | 109.8191% | 230 |
| Net loans and leases to core deposits | 128.9905% | 258 |
| Total domestic deposits to total assets | 74.3885% | 4,546 |
| Equity capital to assets | 7.6925% | 4,807 |
| Core capital (leverage) ratio | 7.3326% | 4,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3333% | 2,830 |
| Memoranda: |
| Average total assets | $42,504,974,750 | 55 |
| Average earning assets | $40,399,075,500 | 53 |
| Average equity | $3,455,512,500 | 68 |
| Average total loans | $35,469,948,750 | 43 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5149% | 4,390 |
| Cost of funding earning assets | 1.5630% | 137 |
| Net interest margin | 1.9519% | 4,958 |
| Noninterest income to average assets | 0.7083% | 1,709 |
| Noninterest expense to average assets | 4.4310% | 270 |
| Loan and lease loss provision to assets | 0.3466% | 1,223 |
| Net operating income to assets | -2.1213% | 5,017 |
| Return on assets (ROA) | -2.1194% | 5,018 |
| Pretax return on assets | -2.2185% | 5,013 |
| Return on Equity (ROE) | -25.6068% | 5,038 |
| Retained earnings to average equity (ytd only) | -28.0006% | 5,030 |
| Net charge-offs to loans | 0.0926% | 1,334 |
| Credit loss provision to net charge-offs | 446.1529% | 1,312 |
| Earnings coverage of net charge-offs (x) | -24.1227% | 3,005 |
| Efficiency ratio | 73.0159% | 1,568 |
| Assets per employee ($millions) | 16.7788% | 123 |
| Cash dividends to net income (ytd only)* | -9.3479% | 5,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5919% | 4,750 |
| Loan loss allowance to noncurrent loans | 7.0790% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 6.9675% | 31 |
| Noncurrent loans to loans | 8.3606% | 39 |
| Net loans and leases to total assets | 82.1256% | 403 |
| Net loans and leases to deposits | 111.1630% | 210 |
| Net loans and leases to core deposits | 133.5022% | 222 |
| Total domestic deposits to total assets | 73.8785% | 4,606 |
| Equity capital to assets | 7.7103% | 4,829 |
| Core capital (leverage) ratio | 7.3442% | 4,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5681% | 2,785 |
| Memoranda: |
| Average total assets | $42,397,676,667 | 54 |
| Average earning assets | $40,159,726,333 | 51 |
| Average equity | $3,509,201,667 | 68 |
| Average total loans | $35,554,317,667 | 42 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7568% | 4,287 |
| Cost of funding earning assets | 1.6679% | 148 |
| Net interest margin | 2.0889% | 4,993 |
| Noninterest income to average assets | 0.7368% | 1,509 |
| Noninterest expense to average assets | 6.9494% | 121 |
| Loan and lease loss provision to assets | 0.2793% | 1,115 |
| Net operating income to assets | -4.3121% | 5,091 |
| Return on assets (ROA) | -4.3108% | 5,083 |
| Pretax return on assets | -4.5211% | 5,080 |
| Return on Equity (ROE) | -50.3305% | 5,104 |
| Retained earnings to average equity (ytd only) | -54.9828% | 5,090 |
| Net charge-offs to loans | 0.0805% | 1,220 |
| Credit loss provision to net charge-offs | 410.4155% | 985 |
| Earnings coverage of net charge-offs (x) | -62.3614% | 2,560 |
| Efficiency ratio | 68.8836% | 2,523 |
| Assets per employee ($millions) | 16.8078% | 101 |
| Cash dividends to net income (ytd only)* | -9.2435% | 5,066 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4851% | 4,887 |
| Loan loss allowance to noncurrent loans | 5.6268% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 7.4091% | 32 |
| Noncurrent loans to loans | 8.6216% | 37 |
| Net loans and leases to total assets | 84.6620% | 227 |
| Net loans and leases to deposits | 119.4982% | 86 |
| Net loans and leases to core deposits | 146.7823% | 129 |
| Total domestic deposits to total assets | 70.8480% | 4,822 |
| Equity capital to assets | 7.7981% | 5,001 |
| Core capital (leverage) ratio | 7.4797% | 5,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4997% | 2,931 |
| Memoranda: |
| Average total assets | $42,161,558,000 | 52 |
| Average earning assets | $39,747,783,500 | 50 |
| Average equity | $3,611,104,500 | 67 |
| Average total loans | $35,623,088,000 | 40 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0954% | 4,051 |
| Cost of funding earning assets | 1.7995% | 139 |
| Net interest margin | 2.2959% | 5,036 |
| Noninterest income to average assets | 0.9276% | 1,124 |
| Noninterest expense to average assets | 2.3040% | 3,935 |
| Loan and lease loss provision to assets | 0.0714% | 2,571 |
| Net operating income to assets | 0.4993% | 4,407 |
| Return on assets (ROA) | 0.5000% | 4,457 |
| Pretax return on assets | 0.6878% | 4,232 |
| Return on Equity (ROE) | 5.1147% | 4,175 |
| Retained earnings to average equity (ytd only) | 3.0983% | 3,472 |
| Net charge-offs to loans | 0.0744% | 2,030 |
| Credit loss provision to net charge-offs | 114.3771% | 2,199 |
| Earnings coverage of net charge-offs (x) | 12.1478% | 2,430 |
| Efficiency ratio | 72.7067% | 1,772 |
| Assets per employee ($millions) | 16.2852% | 105 |
| Cash dividends to net income (ytd only)* | 39.4232% | 2,633 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4336% | 4,961 |
| Loan loss allowance to noncurrent loans | 4.9993% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 7.3473% | 27 |
| Noncurrent loans to loans | 8.6729% | 32 |
| Net loans and leases to total assets | 83.5393% | 366 |
| Net loans and leases to deposits | 124.3472% | 61 |
| Net loans and leases to core deposits | 157.6529% | 86 |
| Total domestic deposits to total assets | 67.1823% | 5,002 |
| Equity capital to assets | 9.3395% | 4,469 |
| Core capital (leverage) ratio | 7.6237% | 5,089 |
| Tier 1 risk-based capital ratio | 12.1242% | 4,287 |
| Total risk-based capital ratio | 12.7242% | 4,519 |
| Memoranda: |
| Average total assets | $39,571,774,200 | 53 |
| Average earning assets | $36,796,223,600 | 51 |
| Average equity | $3,868,322,600 | 61 |
| Average total loans | $33,213,010,800 | 41 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1680% | 3,996 |
| Cost of funding earning assets | 1.7977% | 141 |
| Net interest margin | 2.3703% | 5,110 |
| Noninterest income to average assets | 0.8673% | 1,219 |
| Noninterest expense to average assets | 2.3686% | 3,767 |
| Loan and lease loss provision to assets | 0.0682% | 2,516 |
| Net operating income to assets | 0.4604% | 4,608 |
| Return on assets (ROA) | 0.4623% | 4,634 |
| Pretax return on assets | 0.6333% | 4,485 |
| Return on Equity (ROE) | 4.6726% | 4,432 |
| Retained earnings to average equity (ytd only) | 1.9755% | 4,278 |
| Net charge-offs to loans | 0.0817% | 1,659 |
| Credit loss provision to net charge-offs | 99.4066% | 2,286 |
| Earnings coverage of net charge-offs (x) | 10.1925% | 2,512 |
| Efficiency ratio | 74.6466% | 1,475 |
| Assets per employee ($millions) | 15.7697% | 108 |
| Cash dividends to net income (ytd only)* | 57.7213% | 1,385 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4295% | 5,039 |
| Loan loss allowance to noncurrent loans | 5.1881% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 7.0647% | 33 |
| Noncurrent loans to loans | 8.2792% | 43 |
| Net loans and leases to total assets | 83.8853% | 366 |
| Net loans and leases to deposits | 127.4587% | 58 |
| Net loans and leases to core deposits | 160.4963% | 89 |
| Total domestic deposits to total assets | 65.8137% | 5,102 |
| Equity capital to assets | 9.3057% | 4,592 |
| Core capital (leverage) ratio | 7.6523% | 5,173 |
| Tier 1 risk-based capital ratio | 12.1997% | 4,310 |
| Total risk-based capital ratio | 12.8016% | 4,547 |
| Memoranda: |
| Average total assets | $38,977,037,500 | 54 |
| Average earning assets | $36,184,188,250 | 52 |
| Average equity | $3,855,908,500 | 62 |
| Average total loans | $32,716,772,750 | 42 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2331% | 3,837 |
| Cost of funding earning assets | 1.7687% | 145 |
| Net interest margin | 2.4644% | 5,146 |
| Noninterest income to average assets | 0.8213% | 1,279 |
| Noninterest expense to average assets | 2.4690% | 3,574 |
| Loan and lease loss provision to assets | 0.0748% | 2,318 |
| Net operating income to assets | 0.4085% | 4,721 |
| Return on assets (ROA) | 0.4108% | 4,736 |
| Pretax return on assets | 0.5645% | 4,603 |
| Return on Equity (ROE) | 4.0664% | 4,566 |
| Retained earnings to average equity (ytd only) | 2.1516% | 4,071 |
| Net charge-offs to loans | 0.0846% | 1,516 |
| Credit loss provision to net charge-offs | 105.5236% | 1,892 |
| Earnings coverage of net charge-offs (x) | 8.9746% | 2,370 |
| Efficiency ratio | 76.9299% | 1,276 |
| Assets per employee ($millions) | 15.0643% | 105 |
| Cash dividends to net income (ytd only)* | 47.0894% | 1,926 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4472% | 5,070 |
| Loan loss allowance to noncurrent loans | 5.3422% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 7.1153% | 37 |
| Noncurrent loans to loans | 8.3718% | 39 |
| Net loans and leases to total assets | 83.7552% | 376 |
| Net loans and leases to deposits | 131.1567% | 42 |
| Net loans and leases to core deposits | 163.0525% | 88 |
| Total domestic deposits to total assets | 63.8589% | 5,171 |
| Equity capital to assets | 9.6546% | 4,270 |
| Core capital (leverage) ratio | 7.9041% | 5,186 |
| Tier 1 risk-based capital ratio | 12.6004% | 4,076 |
| Total risk-based capital ratio | 13.2301% | 4,316 |
| Memoranda: |
| Average total assets | $38,249,714,000 | 54 |
| Average earning assets | $35,450,844,000 | 52 |
| Average equity | $3,864,502,000 | 62 |
| Average total loans | $32,063,928,000 | 42 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2563% | 3,687 |
| Cost of funding earning assets | 1.7382% | 139 |
| Net interest margin | 2.5181% | 5,182 |
| Noninterest income to average assets | 0.9580% | 902 |
| Noninterest expense to average assets | 2.6756% | 2,977 |
| Loan and lease loss provision to assets | 0.0444% | 2,748 |
| Net operating income to assets | 0.4149% | 4,700 |
| Return on assets (ROA) | 0.4171% | 4,706 |
| Pretax return on assets | 0.5700% | 4,567 |
| Return on Equity (ROE) | 4.0331% | 4,567 |
| Retained earnings to average equity (ytd only) | 3.4137% | 3,554 |
| Net charge-offs to loans | 0.0499% | 1,569 |
| Credit loss provision to net charge-offs | 106.2851% | 1,525 |
| Earnings coverage of net charge-offs (x) | 14.6387% | 1,784 |
| Efficiency ratio | 78.9051% | 1,170 |
| Assets per employee ($millions) | 13.3173% | 155 |
| Cash dividends to net income (ytd only)* | 15.3578% | 2,565 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4697% | 5,115 |
| Loan loss allowance to noncurrent loans | 5.2957% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 7.4906% | 31 |
| Noncurrent loans to loans | 8.8693% | 33 |
| Net loans and leases to total assets | 83.1856% | 443 |
| Net loans and leases to deposits | 130.4618% | 41 |
| Net loans and leases to core deposits | 159.7555% | 88 |
| Total domestic deposits to total assets | 63.7625% | 5,245 |
| Equity capital to assets | 10.1962% | 3,622 |
| Core capital (leverage) ratio | 8.2480% | 5,121 |
| Tier 1 risk-based capital ratio | 13.2122% | 3,766 |
| Total risk-based capital ratio | 13.8745% | 3,965 |
| Memoranda: |
| Average total assets | $37,467,056,500 | 55 |
| Average earning assets | $34,657,620,500 | 53 |
| Average equity | $3,874,770,000 | 61 |
| Average total loans | $31,347,415,500 | 43 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1678% | 3,536 |
| Cost of funding earning assets | 1.3938% | 145 |
| Net interest margin | 2.7740% | 5,045 |
| Noninterest income to average assets | 1.1264% | 728 |
| Noninterest expense to average assets | 2.7860% | 2,733 |
| Loan and lease loss provision to assets | 0.0647% | 2,858 |
| Net operating income to assets | 0.6896% | 4,168 |
| Return on assets (ROA) | 0.6888% | 4,173 |
| Pretax return on assets | 0.8364% | 4,077 |
| Return on Equity (ROE) | 6.3504% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.8736% | 2,254 |
| Net charge-offs to loans | 0.0571% | 2,327 |
| Credit loss provision to net charge-offs | 135.4583% | 1,972 |
| Earnings coverage of net charge-offs (x) | 18.8787% | 2,105 |
| Efficiency ratio | 73.1555% | 1,740 |
| Assets per employee ($millions) | 11.2671% | 242 |
| Cash dividends to net income (ytd only)* | 7.5084% | 3,889 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4823% | 5,139 |
| Loan loss allowance to noncurrent loans | 5.1174% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 7.9660% | 25 |
| Noncurrent loans to loans | 9.4246% | 30 |
| Net loans and leases to total assets | 83.3538% | 478 |
| Net loans and leases to deposits | 130.8469% | 44 |
| Net loans and leases to core deposits | 158.0504% | 102 |
| Total domestic deposits to total assets | 63.7033% | 5,284 |
| Equity capital to assets | 10.4919% | 3,200 |
| Core capital (leverage) ratio | 8.4598% | 5,045 |
| Tier 1 risk-based capital ratio | 13.4782% | 3,558 |
| Total risk-based capital ratio | 14.1616% | 3,786 |
| Memoranda: |
| Average total assets | $34,801,837,200 | 54 |
| Average earning assets | $32,137,254,000 | 53 |
| Average equity | $3,775,058,000 | 59 |
| Average total loans | $29,125,763,000 | 43 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1481% | 3,467 |
| Cost of funding earning assets | 1.3223% | 154 |
| Net interest margin | 2.8258% | 5,060 |
| Noninterest income to average assets | 1.1593% | 700 |
| Noninterest expense to average assets | 2.8313% | 2,525 |
| Loan and lease loss provision to assets | 0.0294% | 3,426 |
| Net operating income to assets | 0.7473% | 4,082 |
| Return on assets (ROA) | 0.7460% | 4,102 |
| Pretax return on assets | 0.9047% | 4,006 |
| Return on Equity (ROE) | 6.8176% | 3,991 |
| Retained earnings to average equity (ytd only) | 6.8176% | 2,225 |
| Net charge-offs to loans | 0.0562% | 2,011 |
| Credit loss provision to net charge-offs | 62.5827% | 2,717 |
| Earnings coverage of net charge-offs (x) | 19.8884% | 1,977 |
| Efficiency ratio | 72.7873% | 1,767 |
| Assets per employee ($millions) | 10.1166% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4894% | 5,201 |
| Loan loss allowance to noncurrent loans | 4.4726% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 9.0975% | 26 |
| Noncurrent loans to loans | 10.9422% | 24 |
| Net loans and leases to total assets | 81.8835% | 737 |
| Net loans and leases to deposits | 122.5202% | 86 |
| Net loans and leases to core deposits | 146.5269% | 157 |
| Total domestic deposits to total assets | 66.8326% | 5,309 |
| Equity capital to assets | 11.2206% | 2,455 |
| Core capital (leverage) ratio | 8.6356% | 5,008 |
| Tier 1 risk-based capital ratio | 14.9951% | 2,886 |
| Total risk-based capital ratio | 15.7153% | 3,063 |
| Memoranda: |
| Average total assets | $34,277,345,000 | 55 |
| Average earning assets | $31,631,872,250 | 54 |
| Average equity | $3,750,947,000 | 59 |
| Average total loans | $28,680,593,750 | 43 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0796% | 3,529 |
| Cost of funding earning assets | 1.2484% | 151 |
| Net interest margin | 2.8311% | 5,088 |
| Noninterest income to average assets | 1.1794% | 685 |
| Noninterest expense to average assets | 2.8861% | 2,391 |
| Loan and lease loss provision to assets | 0.0427% | 3,046 |
| Net operating income to assets | 0.6288% | 4,410 |
| Return on assets (ROA) | 0.6272% | 4,418 |
| Pretax return on assets | 0.8618% | 4,077 |
| Return on Equity (ROE) | 5.7810% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.7810% | 2,682 |
| Net charge-offs to loans | 0.0487% | 1,914 |
| Credit loss provision to net charge-offs | 104.3528% | 1,957 |
| Earnings coverage of net charge-offs (x) | 22.1399% | 1,753 |
| Efficiency ratio | 73.7391% | 1,743 |
| Assets per employee ($millions) | 10.0931% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5007% | 5,260 |
| Loan loss allowance to noncurrent loans | 4.0425% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 10.4298% | 18 |
| Noncurrent loans to loans | 12.3851% | 16 |
| Net loans and leases to total assets | 82.7706% | 613 |
| Net loans and leases to deposits | 123.2438% | 79 |
| Net loans and leases to core deposits | 146.1507% | 150 |
| Total domestic deposits to total assets | 67.1601% | 5,362 |
| Equity capital to assets | 10.9601% | 2,672 |
| Core capital (leverage) ratio | 8.4869% | 5,120 |
| Tier 1 risk-based capital ratio | 14.3372% | 3,184 |
| Total risk-based capital ratio | 15.0680% | 3,366 |
| Memoranda: |
| Average total assets | $34,227,563,670 | 55 |
| Average earning assets | $31,592,878,330 | 55 |
| Average equity | $3,713,630,330 | 59 |
| Average total loans | $28,797,990,000 | 43 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0056% | 3,591 |
| Cost of funding earning assets | 1.1836% | 151 |
| Net interest margin | 2.8220% | 5,133 |
| Noninterest income to average assets | 1.2158% | 626 |
| Noninterest expense to average assets | 2.8185% | 2,638 |
| Loan and lease loss provision to assets | 0.0694% | 2,376 |
| Net operating income to assets | 0.6723% | 4,200 |
| Return on assets (ROA) | 0.6702% | 4,213 |
| Pretax return on assets | 0.9277% | 3,759 |
| Return on Equity (ROE) | 6.2090% | 4,091 |
| Retained earnings to average equity (ytd only) | 6.2090% | 2,622 |
| Net charge-offs to loans | 0.0457% | 1,663 |
| Credit loss provision to net charge-offs | 179.6662% | 1,119 |
| Earnings coverage of net charge-offs (x) | 25.8789% | 1,331 |
| Efficiency ratio | 71.4657% | 2,268 |
| Assets per employee ($millions) | 10.2065% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5086% | 5,324 |
| Loan loss allowance to noncurrent loans | 3.6152% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 12.0321% | 12 |
| Noncurrent loans to loans | 14.0671% | 12 |
| Net loans and leases to total assets | 84.0445% | 435 |
| Net loans and leases to deposits | 123.3970% | 81 |
| Net loans and leases to core deposits | 148.5530% | 138 |
| Total domestic deposits to total assets | 68.1090% | 5,415 |
| Equity capital to assets | 10.9562% | 2,629 |
| Core capital (leverage) ratio | 8.3915% | 5,209 |
| Tier 1 risk-based capital ratio | 13.9173% | 3,419 |
| Total risk-based capital ratio | 14.6565% | 3,630 |
| Memoranda: |
| Average total assets | $34,117,402,500 | 57 |
| Average earning assets | $31,463,204,000 | 56 |
| Average equity | $3,682,677,500 | 63 |
| Average total loans | $28,868,882,500 | 45 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5763% | 5,532 |
| Cost of funding earning assets | 0.6737% | 1,162 |
| Net interest margin | 1.9025% | 5,588 |
| Noninterest income to average assets | 0.9044% | 1,254 |
| Noninterest expense to average assets | 1.9460% | 5,056 |
| Loan and lease loss provision to assets | 0.3682% | 413 |
| Net operating income to assets | 0.3488% | 4,831 |
| Return on assets (ROA) | 0.3482% | 4,856 |
| Pretax return on assets | 0.3539% | 5,149 |
| Return on Equity (ROE) | 3.5559% | 4,662 |
| Retained earnings to average equity (ytd only) | 3.5559% | 3,144 |
| Net charge-offs to loans | 0.0307% | 3,185 |
| Credit loss provision to net charge-offs | 1,385.3661% | 283 |
| Earnings coverage of net charge-offs (x) | 27.1893% | 1,642 |
| Efficiency ratio | 70.8578% | 2,423 |
| Assets per employee ($millions) | 10.4282% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4925% | 5,396 |
| Loan loss allowance to noncurrent loans | 3.7163% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 11.3722% | 17 |
| Noncurrent loans to loans | 13.2521% | 11 |
| Net loans and leases to total assets | 84.3395% | 413 |
| Net loans and leases to deposits | 126.0969% | 63 |
| Net loans and leases to core deposits | 154.0141% | 115 |
| Total domestic deposits to total assets | 66.8847% | 5,498 |
| Equity capital to assets | 10.6338% | 3,014 |
| Core capital (leverage) ratio | 8.4303% | 5,199 |
| Tier 1 risk-based capital ratio | 13.4841% | 3,634 |
| Total risk-based capital ratio | 14.1929% | 3,842 |
| Memoranda: |
| Average total assets | $31,186,437,800 | 58 |
| Average earning assets | $28,919,982,400 | 55 |
| Average equity | $3,054,222,000 | 68 |
| Average total loans | $27,038,249,600 | 46 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0633% | 5,674 |
| Cost of funding earning assets | 0.5139% | 2,159 |
| Net interest margin | 1.5494% | 5,684 |
| Noninterest income to average assets | 0.8275% | 1,483 |
| Noninterest expense to average assets | 1.6334% | 5,422 |
| Loan and lease loss provision to assets | 0.4798% | 247 |
| Net operating income to assets | 0.0949% | 5,449 |
| Return on assets (ROA) | 0.0944% | 5,462 |
| Pretax return on assets | 0.1526% | 5,418 |
| Return on Equity (ROE) | 0.9881% | 5,433 |
| Retained earnings to average equity (ytd only) | 0.9881% | 4,978 |
| Net charge-offs to loans | 0.0147% | 3,224 |
| Credit loss provision to net charge-offs | 3,738.8794% | 122 |
| Earnings coverage of net charge-offs (x) | 49.3457% | 1,126 |
| Efficiency ratio | 70.2301% | 2,503 |
| Assets per employee ($millions) | 10.1979% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5063% | 5,457 |
| Loan loss allowance to noncurrent loans | 3.8874% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 11.2367% | 19 |
| Noncurrent loans to loans | 13.0251% | 10 |
| Net loans and leases to total assets | 84.5470% | 382 |
| Net loans and leases to deposits | 122.9410% | 72 |
| Net loans and leases to core deposits | 154.3953% | 100 |
| Total domestic deposits to total assets | 68.7704% | 5,513 |
| Equity capital to assets | 10.6787% | 3,186 |
| Core capital (leverage) ratio | 8.4481% | 5,279 |
| Tier 1 risk-based capital ratio | 13.3720% | 3,783 |
| Total risk-based capital ratio | 14.0884% | 4,021 |
| Memoranda: |
| Average total assets | $30,408,479,000 | 59 |
| Average earning assets | $28,244,932,500 | 56 |
| Average equity | $2,905,975,500 | 68 |
| Average total loans | $26,530,269,500 | 45 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.9434% | 5,776 |
| Cost of funding earning assets | 0.2086% | 4,898 |
| Net interest margin | 0.7348% | 5,780 |
| Noninterest income to average assets | 0.5950% | 2,486 |
| Noninterest expense to average assets | 1.0226% | 5,728 |
| Loan and lease loss provision to assets | 0.4791% | 248 |
| Net operating income to assets | -0.1371% | 5,597 |
| Return on assets (ROA) | -0.1371% | 5,598 |
| Pretax return on assets | -0.2216% | 5,613 |
| Return on Equity (ROE) | -1.5005% | 5,607 |
| Retained earnings to average equity (ytd only) | -1.5005% | 5,293 |
| Net charge-offs to loans | 0.0008% | 3,499 |
| Credit loss provision to net charge-offs | 69,867.3267% | 2 |
| Earnings coverage of net charge-offs (x) | 375.4950% | 225 |
| Efficiency ratio | 78.9236% | 1,343 |
| Assets per employee ($millions) | 9.9312% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3823% | 5,621 |
| Loan loss allowance to noncurrent loans | 2.8845% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 11.4610% | 22 |
| Noncurrent loans to loans | 13.2535% | 13 |
| Net loans and leases to total assets | 85.1444% | 332 |
| Net loans and leases to deposits | 120.7179% | 91 |
| Net loans and leases to core deposits | 154.4699% | 104 |
| Total domestic deposits to total assets | 70.5317% | 5,522 |
| Equity capital to assets | 10.7135% | 3,122 |
| Core capital (leverage) ratio | 25.4574% | 91 |
| Tier 1 risk-based capital ratio | 13.2425% | 3,844 |
| Total risk-based capital ratio | 13.7808% | 4,184 |
| Memoranda: |
| Average total assets | $29,456,109,670 | 59 |
| Average earning assets | $27,466,514,330 | 58 |
| Average equity | $2,690,523,000 | 71 |
| Average total loans | $25,950,958,670 | 45 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8721% | 3,498 |
| Cost of funding earning assets | 1.0551% | 124 |
| Net interest margin | 2.8169% | 5,215 |
| Noninterest income to average assets | 0.7117% | 1,909 |
| Noninterest expense to average assets | 2.1734% | 4,715 |
| Loan and lease loss provision to assets | 0.2256% | 692 |
| Net operating income to assets | 0.6103% | 4,112 |
| Return on assets (ROA) | 0.6103% | 4,170 |
| Pretax return on assets | 0.9649% | 3,520 |
| Return on Equity (ROE) | 7.4395% | 3,189 |
| Retained earnings to average equity (ytd only) | 5.1590% | 2,801 |
| Net charge-offs to loans | 0.3824% | 481 |
| Credit loss provision to net charge-offs | 65.8105% | 1,868 |
| Earnings coverage of net charge-offs (x) | 3.4725% | 2,481 |
| Efficiency ratio | 63.7657% | 3,874 |
| Assets per employee ($millions) | 9.7085% | 337 |
| Cash dividends to net income (ytd only)* | 30.6539% | 2,302 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3831% | 5,697 |
| Loan loss allowance to noncurrent loans | 2.3271% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 14.8425% | 15 |
| Noncurrent loans to loans | 16.4614% | 10 |
| Net loans and leases to total assets | 89.1226% | 78 |
| Net loans and leases to deposits | 127.3650% | 45 |
| Net loans and leases to core deposits | 168.5594% | 64 |
| Total domestic deposits to total assets | 69.9741% | 5,633 |
| Equity capital to assets | 8.2782% | 5,368 |
| Core capital (leverage) ratio | 8.4108% | 5,291 |
| Tier 1 risk-based capital ratio | 13.3418% | 3,864 |
| Total risk-based capital ratio | 13.8988% | 4,199 |
| Memoranda: |
| Average total assets | $27,797,625,500 | 62 |
| Average earning assets | $26,172,261,000 | 59 |
| Average equity | $2,280,212,500 | 77 |
| Average total loans | $24,920,673,000 | 46 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8723% | 3,674 |
| Cost of funding earning assets | 0.9610% | 214 |
| Net interest margin | 2.9113% | 5,119 |
| Noninterest income to average assets | 0.6044% | 2,639 |
| Noninterest expense to average assets | 2.2382% | 4,681 |
| Loan and lease loss provision to assets | 0.1786% | 1,347 |
| Net operating income to assets | 0.5820% | 4,280 |
| Return on assets (ROA) | 0.5807% | 4,399 |
| Pretax return on assets | 0.9210% | 3,766 |
| Return on Equity (ROE) | 7.4260% | 3,252 |
| Retained earnings to average equity (ytd only) | 5.0010% | 2,351 |
| Net charge-offs to loans | 0.0965% | 2,332 |
| Credit loss provision to net charge-offs | 205.7393% | 1,376 |
| Earnings coverage of net charge-offs (x) | 12.6914% | 2,429 |
| Efficiency ratio | 66.1253% | 3,574 |
| Assets per employee ($millions) | 9.5632% | 355 |
| Cash dividends to net income (ytd only)* | 32.6557% | 3,210 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4132% | 5,727 |
| Loan loss allowance to noncurrent loans | 2.6410% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 14.1471% | 18 |
| Noncurrent loans to loans | 15.6458% | 11 |
| Net loans and leases to total assets | 89.4638% | 79 |
| Net loans and leases to deposits | 125.8789% | 53 |
| Net loans and leases to core deposits | 173.0404% | 58 |
| Total domestic deposits to total assets | 71.0713% | 5,613 |
| Equity capital to assets | 8.1278% | 5,501 |
| Core capital (leverage) ratio | 8.0320% | 5,605 |
| Tier 1 risk-based capital ratio | 12.8168% | 4,193 |
| Total risk-based capital ratio | 13.4059% | 4,493 |
| Memoranda: |
| Average total assets | $27,420,407,400 | 60 |
| Average earning assets | $25,764,106,600 | 57 |
| Average equity | $2,144,313,200 | 78 |
| Average total loans | $24,676,151,000 | 45 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8430% | 3,788 |
| Cost of funding earning assets | 0.9557% | 219 |
| Net interest margin | 2.8873% | 5,207 |
| Noninterest income to average assets | 0.4419% | 3,615 |
| Noninterest expense to average assets | 2.2610% | 4,623 |
| Loan and lease loss provision to assets | 0.1318% | 1,780 |
| Net operating income to assets | 0.4730% | 4,795 |
| Return on assets (ROA) | 0.4725% | 4,874 |
| Pretax return on assets | 0.7593% | 4,443 |
| Return on Equity (ROE) | 6.1033% | 4,023 |
| Retained earnings to average equity (ytd only) | 3.6446% | 3,706 |
| Net charge-offs to loans | 0.0811% | 2,160 |
| Credit loss provision to net charge-offs | 180.3915% | 1,555 |
| Earnings coverage of net charge-offs (x) | 12.2073% | 2,411 |
| Efficiency ratio | 70.7555% | 2,782 |
| Assets per employee ($millions) | 9.8772% | 309 |
| Cash dividends to net income (ytd only)* | 40.2843% | 2,343 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3462% | 5,831 |
| Loan loss allowance to noncurrent loans | 2.3151% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 13.6821% | 23 |
| Noncurrent loans to loans | 14.9540% | 16 |
| Net loans and leases to total assets | 90.4585% | 62 |
| Net loans and leases to deposits | 131.3660% | 37 |
| Net loans and leases to core deposits | 182.0235% | 54 |
| Total domestic deposits to total assets | 68.8599% | 5,745 |
| Equity capital to assets | 7.5332% | 5,839 |
| Core capital (leverage) ratio | 7.8555% | 5,739 |
| Tier 1 risk-based capital ratio | 12.0120% | 4,782 |
| Total risk-based capital ratio | 12.5053% | 5,127 |
| Memoranda: |
| Average total assets | $27,318,245,250 | 61 |
| Average earning assets | $25,648,380,250 | 58 |
| Average equity | $2,114,920,750 | 77 |
| Average total loans | $24,595,128,750 | 45 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8327% | 3,837 |
| Cost of funding earning assets | 0.9676% | 198 |
| Net interest margin | 2.8651% | 5,318 |
| Noninterest income to average assets | 0.3532% | 4,250 |
| Noninterest expense to average assets | 2.2544% | 4,722 |
| Loan and lease loss provision to assets | 0.1112% | 2,018 |
| Net operating income to assets | 0.4163% | 4,988 |
| Return on assets (ROA) | 0.4158% | 5,070 |
| Pretax return on assets | 0.6719% | 4,704 |
| Return on Equity (ROE) | 5.3198% | 4,371 |
| Retained earnings to average equity (ytd only) | 2.8429% | 4,097 |
| Net charge-offs to loans | 0.0731% | 2,137 |
| Credit loss provision to net charge-offs | 169.3241% | 1,458 |
| Earnings coverage of net charge-offs (x) | 11.9377% | 2,221 |
| Efficiency ratio | 73.1715% | 2,486 |
| Assets per employee ($millions) | 9.3736% | 343 |
| Cash dividends to net income (ytd only)* | 46.5599% | 2,122 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3410% | 5,919 |
| Loan loss allowance to noncurrent loans | 2.5186% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 14.1259% | 24 |
| Noncurrent loans to loans | 13.5405% | 17 |
| Net loans and leases to total assets | 90.0120% | 70 |
| Net loans and leases to deposits | 130.0315% | 43 |
| Net loans and leases to core deposits | 176.6468% | 59 |
| Total domestic deposits to total assets | 69.2232% | 5,806 |
| Equity capital to assets | 7.7657% | 5,867 |
| Core capital (leverage) ratio | 8.1072% | 5,664 |
| Tier 1 risk-based capital ratio | 12.1379% | 4,748 |
| Total risk-based capital ratio | 12.6101% | 5,139 |
| Memoranda: |
| Average total assets | $26,859,943,000 | 61 |
| Average earning assets | $25,171,999,330 | 59 |
| Average equity | $2,099,386,330 | 78 |
| Average total loans | $24,111,645,330 | 46 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8393% | 3,812 |
| Cost of funding earning assets | 0.9768% | 196 |
| Net interest margin | 2.8625% | 5,377 |
| Noninterest income to average assets | 0.4498% | 3,485 |
| Noninterest expense to average assets | 2.2278% | 4,839 |
| Loan and lease loss provision to assets | 0.1341% | 1,573 |
| Net operating income to assets | 0.4726% | 4,731 |
| Return on assets (ROA) | 0.4716% | 4,829 |
| Pretax return on assets | 0.7631% | 4,331 |
| Return on Equity (ROE) | 6.0141% | 3,978 |
| Retained earnings to average equity (ytd only) | 3.5225% | 3,733 |
| Net charge-offs to loans | 0.0600% | 1,908 |
| Credit loss provision to net charge-offs | 249.7620% | 953 |
| Earnings coverage of net charge-offs (x) | 16.7429% | 1,606 |
| Efficiency ratio | 70.2713% | 3,070 |
| Assets per employee ($millions) | 8.9644% | 392 |
| Cash dividends to net income (ytd only)* | 41.4290% | 2,037 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3494% | 5,985 |
| Loan loss allowance to noncurrent loans | 2.4237% | 5,535 |
| Noncurrent assets plus other real estate owned to assets | 14.9725% | 23 |
| Noncurrent loans to loans | 14.4158% | 17 |
| Net loans and leases to total assets | 89.4003% | 76 |
| Net loans and leases to deposits | 124.5938% | 64 |
| Net loans and leases to core deposits | 166.1827% | 65 |
| Total domestic deposits to total assets | 71.7534% | 5,787 |
| Equity capital to assets | 7.9735% | 5,835 |
| Core capital (leverage) ratio | 8.2462% | 5,615 |
| Tier 1 risk-based capital ratio | 12.4590% | 4,609 |
| Total risk-based capital ratio | 12.9435% | 5,023 |
| Memoranda: |
| Average total assets | $26,613,894,500 | 61 |
| Average earning assets | $24,885,555,000 | 59 |
| Average equity | $2,087,034,500 | 79 |
| Average total loans | $23,815,287,500 | 46 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9135% | 3,654 |
| Cost of funding earning assets | 0.8886% | 307 |
| Net interest margin | 3.0249% | 5,076 |
| Noninterest income to average assets | 0.8795% | 1,504 |
| Noninterest expense to average assets | 2.6132% | 3,872 |
| Loan and lease loss provision to assets | 0.1580% | 1,473 |
| Net operating income to assets | 0.5792% | 4,385 |
| Return on assets (ROA) | 0.5806% | 4,469 |
| Pretax return on assets | 0.9217% | 3,760 |
| Return on Equity (ROE) | 7.2826% | 3,372 |
| Retained earnings to average equity (ytd only) | 5.2072% | 2,271 |
| Net charge-offs to loans | 0.0981% | 2,438 |
| Credit loss provision to net charge-offs | 182.7479% | 1,494 |
| Earnings coverage of net charge-offs (x) | 12.4655% | 2,466 |
| Efficiency ratio | 69.8180% | 3,251 |
| Assets per employee ($millions) | 8.7223% | 425 |
| Cash dividends to net income (ytd only)* | 28.4984% | 3,421 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3292% | 6,040 |
| Loan loss allowance to noncurrent loans | 2.3465% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 14.5816% | 27 |
| Noncurrent loans to loans | 14.0289% | 20 |
| Net loans and leases to total assets | 88.9609% | 94 |
| Net loans and leases to deposits | 128.8745% | 50 |
| Net loans and leases to core deposits | 172.6486% | 58 |
| Total domestic deposits to total assets | 69.0291% | 5,939 |
| Equity capital to assets | 7.7101% | 5,943 |
| Core capital (leverage) ratio | 8.1026% | 5,774 |
| Tier 1 risk-based capital ratio | 11.9563% | 4,980 |
| Total risk-based capital ratio | 12.4162% | 5,337 |
| Memoranda: |
| Average total assets | $24,174,958,600 | 64 |
| Average earning assets | $22,467,012,800 | 63 |
| Average equity | $1,927,313,800 | 82 |
| Average total loans | $21,294,254,400 | 47 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9294% | 3,634 |
| Cost of funding earning assets | 0.8781% | 321 |
| Net interest margin | 3.0513% | 5,071 |
| Noninterest income to average assets | 0.8738% | 1,532 |
| Noninterest expense to average assets | 2.7130% | 3,516 |
| Loan and lease loss provision to assets | 0.1587% | 1,353 |
| Net operating income to assets | 0.5186% | 4,726 |
| Return on assets (ROA) | 0.5209% | 4,808 |
| Pretax return on assets | 0.8373% | 4,214 |
| Return on Equity (ROE) | 6.4741% | 3,927 |
| Retained earnings to average equity (ytd only) | 4.3651% | 3,366 |
| Net charge-offs to loans | 0.1097% | 2,026 |
| Credit loss provision to net charge-offs | 164.9600% | 1,563 |
| Earnings coverage of net charge-offs (x) | 10.3125% | 2,607 |
| Efficiency ratio | 72.1903% | 2,844 |
| Assets per employee ($millions) | 8.2493% | 482 |
| Cash dividends to net income (ytd only)* | 32.5768% | 2,682 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3215% | 6,138 |
| Loan loss allowance to noncurrent loans | 2.4427% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 13.7740% | 31 |
| Noncurrent loans to loans | 13.1628% | 25 |
| Net loans and leases to total assets | 88.4148% | 119 |
| Net loans and leases to deposits | 126.0190% | 61 |
| Net loans and leases to core deposits | 168.6434% | 60 |
| Total domestic deposits to total assets | 70.1599% | 5,965 |
| Equity capital to assets | 7.9447% | 5,977 |
| Core capital (leverage) ratio | 8.1879% | 5,783 |
| Tier 1 risk-based capital ratio | 12.2437% | 4,932 |
| Total risk-based capital ratio | 12.6885% | 5,327 |
| Memoranda: |
| Average total assets | $23,570,095,750 | 65 |
| Average earning assets | $21,872,631,250 | 64 |
| Average equity | $1,896,528,250 | 83 |
| Average total loans | $20,683,628,000 | 46 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9479% | 3,499 |
| Cost of funding earning assets | 0.8756% | 324 |
| Net interest margin | 3.0723% | 5,034 |
| Noninterest income to average assets | 1.0031% | 1,175 |
| Noninterest expense to average assets | 2.8734% | 2,984 |
| Loan and lease loss provision to assets | 0.1471% | 1,461 |
| Net operating income to assets | 0.5147% | 4,704 |
| Return on assets (ROA) | 0.5151% | 4,808 |
| Pretax return on assets | 0.8292% | 4,207 |
| Return on Equity (ROE) | 6.3723% | 3,949 |
| Retained earnings to average equity (ytd only) | 4.2230% | 3,345 |
| Net charge-offs to loans | 0.1161% | 1,840 |
| Credit loss provision to net charge-offs | 144.8789% | 1,567 |
| Earnings coverage of net charge-offs (x) | 9.6102% | 2,438 |
| Efficiency ratio | 73.6551% | 2,726 |
| Assets per employee ($millions) | 7.7598% | 591 |
| Cash dividends to net income (ytd only)* | 33.7285% | 2,675 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3111% | 6,210 |
| Loan loss allowance to noncurrent loans | 2.2068% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 14.4224% | 32 |
| Noncurrent loans to loans | 14.0973% | 27 |
| Net loans and leases to total assets | 87.8145% | 154 |
| Net loans and leases to deposits | 127.5740% | 54 |
| Net loans and leases to core deposits | 170.2038% | 63 |
| Total domestic deposits to total assets | 68.8342% | 6,083 |
| Equity capital to assets | 8.2952% | 5,835 |
| Core capital (leverage) ratio | 8.5601% | 5,480 |
| Tier 1 risk-based capital ratio | 12.7314% | 4,661 |
| Total risk-based capital ratio | 13.1659% | 5,108 |
| Memoranda: |
| Average total assets | $23,023,508,670 | 66 |
| Average earning assets | $21,326,870,330 | 63 |
| Average equity | $1,861,088,330 | 86 |
| Average total loans | $20,124,459,000 | 47 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9103% | 3,557 |
| Cost of funding earning assets | 0.8867% | 307 |
| Net interest margin | 3.0237% | 5,142 |
| Noninterest income to average assets | 0.5639% | 2,864 |
| Noninterest expense to average assets | 2.7428% | 3,442 |
| Loan and lease loss provision to assets | 0.1602% | 1,263 |
| Net operating income to assets | 0.2826% | 5,472 |
| Return on assets (ROA) | 0.2826% | 5,568 |
| Pretax return on assets | 0.4548% | 5,302 |
| Return on Equity (ROE) | 3.5462% | 5,164 |
| Retained earnings to average equity (ytd only) | 1.3132% | 4,960 |
| Net charge-offs to loans | 0.1431% | 1,390 |
| Credit loss provision to net charge-offs | 128.5714% | 1,380 |
| Earnings coverage of net charge-offs (x) | 4.9366% | 2,433 |
| Efficiency ratio | 80.5491% | 1,822 |
| Assets per employee ($millions) | 7.5689% | 657 |
| Cash dividends to net income (ytd only)* | 62.9683% | 1,349 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3081% | 6,292 |
| Loan loss allowance to noncurrent loans | 2.2914% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 13.6812% | 39 |
| Noncurrent loans to loans | 13.4477% | 30 |
| Net loans and leases to total assets | 87.1029% | 138 |
| Net loans and leases to deposits | 125.8028% | 53 |
| Net loans and leases to core deposits | 173.6301% | 65 |
| Total domestic deposits to total assets | 69.2377% | 6,158 |
| Equity capital to assets | 7.6824% | 6,128 |
| Core capital (leverage) ratio | 8.1312% | 5,861 |
| Tier 1 risk-based capital ratio | 11.9214% | 5,290 |
| Total risk-based capital ratio | 12.3454% | 5,677 |
| Memoranda: |
| Average total assets | $22,476,556,000 | 67 |
| Average earning assets | $20,768,932,000 | 64 |
| Average equity | $1,791,334,000 | 87 |
| Average total loans | $19,564,351,500 | 47 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1244% | 3,227 |
| Cost of funding earning assets | 0.9140% | 359 |
| Net interest margin | 3.2105% | 4,888 |
| Noninterest income to average assets | 1.7041% | 440 |
| Noninterest expense to average assets | 3.2612% | 2,036 |
| Loan and lease loss provision to assets | 0.1263% | 2,074 |
| Net operating income to assets | 0.7806% | 3,469 |
| Return on assets (ROA) | 0.7968% | 3,488 |
| Pretax return on assets | 1.2822% | 2,301 |
| Return on Equity (ROE) | 8.9766% | 2,598 |
| Retained earnings to average equity (ytd only) | 6.6569% | 1,567 |
| Net charge-offs to loans | 0.1676% | 2,357 |
| Credit loss provision to net charge-offs | 89.6117% | 2,655 |
| Earnings coverage of net charge-offs (x) | 9.8147% | 2,694 |
| Efficiency ratio | 69.1484% | 3,678 |
| Assets per employee ($millions) | 7.0050% | 841 |
| Cash dividends to net income (ytd only)* | 25.8421% | 3,575 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3248% | 6,370 |
| Loan loss allowance to noncurrent loans | 2.2273% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 14.8044% | 36 |
| Noncurrent loans to loans | 14.5825% | 27 |
| Net loans and leases to total assets | 86.4067% | 183 |
| Net loans and leases to deposits | 119.8206% | 100 |
| Net loans and leases to core deposits | 163.9716% | 70 |
| Total domestic deposits to total assets | 72.1134% | 6,074 |
| Equity capital to assets | 8.2802% | 5,903 |
| Core capital (leverage) ratio | 8.2053% | 5,853 |
| Tier 1 risk-based capital ratio | 12.9716% | 4,743 |
| Total risk-based capital ratio | 13.4171% | 5,161 |
| Memoranda: |
| Average total assets | $19,426,372,800 | 69 |
| Average earning assets | $17,791,241,400 | 67 |
| Average equity | $1,724,327,200 | 86 |
| Average total loans | $16,337,888,200 | 52 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1645% | 3,111 |
| Cost of funding earning assets | 0.9051% | 409 |
| Net interest margin | 3.2593% | 4,762 |
| Noninterest income to average assets | 1.8386% | 396 |
| Noninterest expense to average assets | 3.4070% | 1,644 |
| Loan and lease loss provision to assets | 0.1125% | 2,170 |
| Net operating income to assets | 0.8075% | 3,401 |
| Return on assets (ROA) | 0.8101% | 3,482 |
| Pretax return on assets | 1.3041% | 2,358 |
| Return on Equity (ROE) | 8.9543% | 2,713 |
| Retained earnings to average equity (ytd only) | 6.6126% | 2,036 |
| Net charge-offs to loans | 0.1895% | 1,948 |
| Credit loss provision to net charge-offs | 71.1942% | 2,753 |
| Earnings coverage of net charge-offs (x) | 8.9404% | 2,735 |
| Efficiency ratio | 69.6060% | 3,577 |
| Assets per employee ($millions) | 6.5762% | 981 |
| Cash dividends to net income (ytd only)* | 26.1525% | 2,968 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3280% | 6,456 |
| Loan loss allowance to noncurrent loans | 2.1029% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 15.1861% | 34 |
| Noncurrent loans to loans | 15.5981% | 28 |
| Net loans and leases to total assets | 84.8315% | 270 |
| Net loans and leases to deposits | 119.5878% | 100 |
| Net loans and leases to core deposits | 159.4515% | 79 |
| Total domestic deposits to total assets | 70.9366% | 6,237 |
| Equity capital to assets | 8.6283% | 5,698 |
| Core capital (leverage) ratio | 8.5214% | 5,639 |
| Tier 1 risk-based capital ratio | 13.5612% | 4,499 |
| Total risk-based capital ratio | 14.0060% | 4,914 |
| Memoranda: |
| Average total assets | $18,880,343,250 | 71 |
| Average earning assets | $17,268,667,500 | 68 |
| Average equity | $1,708,059,500 | 86 |
| Average total loans | $15,738,920,250 | 55 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1619% | 3,095 |
| Cost of funding earning assets | 0.8893% | 453 |
| Net interest margin | 3.2726% | 4,694 |
| Noninterest income to average assets | 1.8935% | 375 |
| Noninterest expense to average assets | 3.5664% | 1,355 |
| Loan and lease loss provision to assets | 0.1003% | 2,350 |
| Net operating income to assets | 0.7559% | 3,539 |
| Return on assets (ROA) | 0.7599% | 3,621 |
| Pretax return on assets | 1.2234% | 2,560 |
| Return on Equity (ROE) | 8.2569% | 2,954 |
| Retained earnings to average equity (ytd only) | 5.8868% | 2,392 |
| Net charge-offs to loans | 0.2130% | 1,750 |
| Credit loss provision to net charge-offs | 56.9077% | 2,686 |
| Earnings coverage of net charge-offs (x) | 7.4773% | 2,623 |
| Efficiency ratio | 71.9067% | 3,362 |
| Assets per employee ($millions) | 6.2578% | 1,134 |
| Cash dividends to net income (ytd only)* | 28.7047% | 2,838 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.3337% | 6,523 |
| Loan loss allowance to noncurrent loans | 2.2492% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 13.7726% | 46 |
| Noncurrent loans to loans | 14.8368% | 36 |
| Net loans and leases to total assets | 85.7849% | 189 |
| Net loans and leases to deposits | 121.3723% | 79 |
| Net loans and leases to core deposits | 165.3947% | 65 |
| Total domestic deposits to total assets | 70.6792% | 6,328 |
| Equity capital to assets | 8.6809% | 5,631 |
| Core capital (leverage) ratio | 8.2676% | 5,875 |
| Tier 1 risk-based capital ratio | 12.9217% | 4,959 |
| Total risk-based capital ratio | 13.3727% | 5,393 |
| Memoranda: |
| Average total assets | $18,338,895,000 | 73 |
| Average earning assets | $16,757,622,330 | 71 |
| Average equity | $1,687,677,670 | 87 |
| Average total loans | $15,167,998,000 | 56 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2014% | 2,870 |
| Cost of funding earning assets | 0.8987% | 457 |
| Net interest margin | 3.3027% | 4,526 |
| Noninterest income to average assets | 1.9219% | 357 |
| Noninterest expense to average assets | 3.6370% | 1,238 |
| Loan and lease loss provision to assets | 0.0697% | 2,742 |
| Net operating income to assets | 0.7574% | 3,367 |
| Return on assets (ROA) | 0.7574% | 3,455 |
| Pretax return on assets | 1.2193% | 2,394 |
| Return on Equity (ROE) | 7.9764% | 2,945 |
| Retained earnings to average equity (ytd only) | 5.5873% | 2,745 |
| Net charge-offs to loans | 0.1064% | 2,121 |
| Credit loss provision to net charge-offs | 80.9863% | 1,893 |
| Earnings coverage of net charge-offs (x) | 14.9842% | 1,573 |
| Efficiency ratio | 72.6627% | 3,369 |
| Assets per employee ($millions) | 4.6734% | 2,697 |
| Cash dividends to net income (ytd only)* | 29.9518% | 2,294 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4354% | 6,543 |
| Loan loss allowance to noncurrent loans | 5.6634% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 7.4941% | 189 |
| Noncurrent loans to loans | 7.6887% | 183 |
| Net loans and leases to total assets | 81.6761% | 378 |
| Net loans and leases to deposits | 107.7200% | 199 |
| Net loans and leases to core deposits | 140.1857% | 127 |
| Total domestic deposits to total assets | 75.8226% | 6,090 |
| Equity capital to assets | 9.5667% | 4,409 |
| Core capital (leverage) ratio | 9.1114% | 4,854 |
| Tier 1 risk-based capital ratio | 13.7801% | 4,483 |
| Total risk-based capital ratio | 14.3231% | 4,899 |
| Memoranda: |
| Average total assets | $17,633,460,000 | 75 |
| Average earning assets | $16,038,850,500 | 72 |
| Average equity | $1,674,289,500 | 87 |
| Average total loans | $14,252,472,000 | 60 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4927% | 2,237 |
| Cost of funding earning assets | 1.0410% | 374 |
| Net interest margin | 3.4517% | 4,091 |
| Noninterest income to average assets | 2.7860% | 244 |
| Noninterest expense to average assets | 4.5972% | 482 |
| Loan and lease loss provision to assets | 0.0668% | 3,794 |
| Net operating income to assets | 0.7867% | 3,361 |
| Return on assets (ROA) | 0.7900% | 3,447 |
| Pretax return on assets | 1.2627% | 2,305 |
| Return on Equity (ROE) | 8.9149% | 2,586 |
| Retained earnings to average equity (ytd only) | 6.4110% | 1,732 |
| Net charge-offs to loans | 0.2120% | 2,768 |
| Credit loss provision to net charge-offs | 39.5337% | 4,057 |
| Earnings coverage of net charge-offs (x) | 7.8402% | 2,775 |
| Efficiency ratio | 76.6962% | 2,679 |
| Assets per employee ($millions) | 4.3542% | 3,168 |
| Cash dividends to net income (ytd only)* | 28.0863% | 3,364 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4535% | 6,606 |
| Loan loss allowance to noncurrent loans | 5.6088% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 7.5911% | 211 |
| Noncurrent loans to loans | 8.0855% | 187 |
| Net loans and leases to total assets | 79.2589% | 676 |
| Net loans and leases to deposits | 104.8002% | 298 |
| Net loans and leases to core deposits | 133.1203% | 175 |
| Total domestic deposits to total assets | 75.6286% | 6,124 |
| Equity capital to assets | 9.4233% | 4,526 |
| Core capital (leverage) ratio | 8.9863% | 5,029 |
| Tier 1 risk-based capital ratio | 13.7562% | 4,474 |
| Total risk-based capital ratio | 14.3116% | 4,882 |
| Memoranda: |
| Average total assets | $18,026,770,800 | 71 |
| Average earning assets | $16,375,503,600 | 70 |
| Average equity | $1,597,534,000 | 87 |
| Average total loans | $14,359,965,000 | 58 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5515% | 2,035 |
| Cost of funding earning assets | 1.0813% | 343 |
| Net interest margin | 3.4702% | 4,015 |
| Noninterest income to average assets | 3.0415% | 233 |
| Noninterest expense to average assets | 4.7265% | 427 |
| Loan and lease loss provision to assets | 0.0369% | 4,275 |
| Net operating income to assets | 0.8837% | 2,916 |
| Return on assets (ROA) | 0.9036% | 2,928 |
| Pretax return on assets | 1.4623% | 1,720 |
| Return on Equity (ROE) | 10.3560% | 2,048 |
| Retained earnings to average equity (ytd only) | 7.8267% | 1,488 |
| Net charge-offs to loans | 0.1859% | 2,736 |
| Credit loss provision to net charge-offs | 24.9217% | 3,981 |
| Earnings coverage of net charge-offs (x) | 9.9152% | 2,421 |
| Efficiency ratio | 75.4158% | 2,823 |
| Assets per employee ($millions) | 4.2204% | 3,384 |
| Cash dividends to net income (ytd only)* | 24.4242% | 2,918 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4918% | 6,664 |
| Loan loss allowance to noncurrent loans | 5.0069% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 8.9268% | 182 |
| Noncurrent loans to loans | 9.8215% | 144 |
| Net loans and leases to total assets | 76.9712% | 879 |
| Net loans and leases to deposits | 98.9179% | 520 |
| Net loans and leases to core deposits | 124.9557% | 249 |
| Total domestic deposits to total assets | 77.8132% | 5,927 |
| Equity capital to assets | 9.3583% | 4,733 |
| Core capital (leverage) ratio | 8.8346% | 5,356 |
| Tier 1 risk-based capital ratio | 13.9117% | 4,489 |
| Total risk-based capital ratio | 14.5141% | 4,874 |
| Memoranda: |
| Average total assets | $18,123,734,000 | 68 |
| Average earning assets | $16,468,139,500 | 70 |
| Average equity | $1,581,376,500 | 89 |
| Average total loans | $14,438,929,750 | 57 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5361% | 2,067 |
| Cost of funding earning assets | 1.0796% | 366 |
| Net interest margin | 3.4565% | 3,973 |
| Noninterest income to average assets | 3.0565% | 245 |
| Noninterest expense to average assets | 4.6253% | 476 |
| Loan and lease loss provision to assets | 0.0213% | 4,474 |
| Net operating income to assets | 0.9641% | 2,493 |
| Return on assets (ROA) | 0.9641% | 2,642 |
| Pretax return on assets | 1.5603% | 1,460 |
| Return on Equity (ROE) | 11.3124% | 1,716 |
| Retained earnings to average equity (ytd only) | 8.7469% | 1,205 |
| Net charge-offs to loans | 0.1439% | 2,948 |
| Credit loss provision to net charge-offs | 18.4104% | 3,755 |
| Earnings coverage of net charge-offs (x) | 13.6728% | 1,882 |
| Efficiency ratio | 73.6606% | 3,189 |
| Assets per employee ($millions) | 4.2291% | 3,297 |
| Cash dividends to net income (ytd only)* | 22.6791% | 2,895 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4941% | 6,712 |
| Loan loss allowance to noncurrent loans | 4.6149% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 9.8953% | 150 |
| Noncurrent loans to loans | 10.7076% | 132 |
| Net loans and leases to total assets | 80.5677% | 481 |
| Net loans and leases to deposits | 107.6488% | 189 |
| Net loans and leases to core deposits | 138.6420% | 140 |
| Total domestic deposits to total assets | 74.8432% | 6,373 |
| Equity capital to assets | 8.7048% | 5,541 |
| Core capital (leverage) ratio | 8.3293% | 5,850 |
| Tier 1 risk-based capital ratio | 13.0672% | 5,091 |
| Total risk-based capital ratio | 13.6975% | 5,483 |
| Memoranda: |
| Average total assets | $18,294,414,670 | 67 |
| Average earning assets | $16,674,528,670 | 67 |
| Average equity | $1,559,118,000 | 90 |
| Average total loans | $14,710,935,000 | 56 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5716% | 1,922 |
| Cost of funding earning assets | 1.0796% | 413 |
| Net interest margin | 3.4920% | 3,730 |
| Noninterest income to average assets | 2.8893% | 266 |
| Noninterest expense to average assets | 4.5898% | 501 |
| Loan and lease loss provision to assets | 0.0420% | 3,901 |
| Net operating income to assets | 0.8910% | 2,696 |
| Return on assets (ROA) | 0.8910% | 2,843 |
| Pretax return on assets | 1.4422% | 1,731 |
| Return on Equity (ROE) | 10.5686% | 1,851 |
| Retained earnings to average equity (ytd only) | 7.9703% | 1,759 |
| Net charge-offs to loans | 0.1901% | 2,273 |
| Credit loss provision to net charge-offs | 27.5956% | 2,921 |
| Earnings coverage of net charge-offs (x) | 9.7437% | 1,810 |
| Efficiency ratio | 74.7048% | 3,140 |
| Assets per employee ($millions) | 4.7112% | 2,633 |
| Cash dividends to net income (ytd only)* | 24.5851% | 2,219 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5253% | 6,769 |
| Loan loss allowance to noncurrent loans | 4.3861% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 10.8217% | 161 |
| Noncurrent loans to loans | 11.9759% | 134 |
| Net loans and leases to total assets | 79.7190% | 449 |
| Net loans and leases to deposits | 106.2368% | 193 |
| Net loans and leases to core deposits | 139.2875% | 126 |
| Total domestic deposits to total assets | 75.0390% | 6,453 |
| Equity capital to assets | 8.5209% | 5,998 |
| Core capital (leverage) ratio | 8.1550% | 5,983 |
| Tier 1 risk-based capital ratio | 13.0366% | 5,191 |
| Total risk-based capital ratio | 13.7122% | 5,551 |
| Memoranda: |
| Average total assets | $18,260,335,500 | 66 |
| Average earning assets | $16,653,730,000 | 67 |
| Average equity | $1,539,467,500 | 92 |
| Average total loans | $14,632,513,500 | 55 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7731% | 2,305 |
| Cost of funding earning assets | 0.9903% | 1,412 |
| Net interest margin | 3.7828% | 3,305 |
| Noninterest income to average assets | 2.3766% | 338 |
| Noninterest expense to average assets | 4.7408% | 456 |
| Loan and lease loss provision to assets | 0.2090% | 3,055 |
| Net operating income to assets | 0.5221% | 4,590 |
| Return on assets (ROA) | 0.5221% | 4,860 |
| Pretax return on assets | 0.8196% | 4,224 |
| Return on Equity (ROE) | 6.3531% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.1136% | 2,630 |
| Net charge-offs to loans | 0.2461% | 3,466 |
| Credit loss provision to net charge-offs | 115.6785% | 2,499 |
| Earnings coverage of net charge-offs (x) | 5.6939% | 2,972 |
| Efficiency ratio | 81.2314% | 1,980 |
| Assets per employee ($millions) | 5.0145% | 2,212 |
| Cash dividends to net income (ytd only)* | 19.5110% | 3,763 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5626% | 6,799 |
| Loan loss allowance to noncurrent loans | 4.1751% | 6,568 |
| Noncurrent assets plus other real estate owned to assets | 12.0309% | 143 |
| Noncurrent loans to loans | 13.4754% | 115 |
| Net loans and leases to total assets | 79.6748% | 505 |
| Net loans and leases to deposits | 109.9730% | 156 |
| Net loans and leases to core deposits | 147.5124% | 114 |
| Total domestic deposits to total assets | 72.4494% | 6,665 |
| Equity capital to assets | 8.3399% | 6,168 |
| Core capital (leverage) ratio | 7.9813% | 6,213 |
| Tier 1 risk-based capital ratio | 12.7692% | 5,278 |
| Total risk-based capital ratio | 13.4933% | 5,590 |
| Memoranda: |
| Average total assets | $15,313,484,800 | 75 |
| Average earning assets | $13,734,481,000 | 76 |
| Average equity | $1,258,516,400 | 113 |
| Average total loans | $11,241,813,200 | 67 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7398% | 2,625 |
| Cost of funding earning assets | 0.9409% | 1,907 |
| Net interest margin | 3.7989% | 3,341 |
| Noninterest income to average assets | 2.1825% | 377 |
| Noninterest expense to average assets | 4.6771% | 469 |
| Loan and lease loss provision to assets | 0.1962% | 3,126 |
| Net operating income to assets | 0.4448% | 5,058 |
| Return on assets (ROA) | 0.4448% | 5,302 |
| Pretax return on assets | 0.7029% | 4,855 |
| Return on Equity (ROE) | 5.4372% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.1412% | 3,989 |
| Net charge-offs to loans | 0.2918% | 2,983 |
| Credit loss provision to net charge-offs | 94.3076% | 3,168 |
| Earnings coverage of net charge-offs (x) | 4.3210% | 3,337 |
| Efficiency ratio | 82.9247% | 1,709 |
| Assets per employee ($millions) | 5.1223% | 2,026 |
| Cash dividends to net income (ytd only)* | 23.8355% | 2,912 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6673% | 6,783 |
| Loan loss allowance to noncurrent loans | 3.8784% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 13.1774% | 124 |
| Noncurrent loans to loans | 17.2050% | 68 |
| Net loans and leases to total assets | 68.9732% | 2,119 |
| Net loans and leases to deposits | 96.0461% | 658 |
| Net loans and leases to core deposits | 120.0735% | 310 |
| Total domestic deposits to total assets | 71.8125% | 6,751 |
| Equity capital to assets | 8.1171% | 6,534 |
| Core capital (leverage) ratio | 8.0273% | 6,304 |
| Tier 1 risk-based capital ratio | 15.2111% | 3,699 |
| Total risk-based capital ratio | 16.0899% | 3,910 |
| Memoranda: |
| Average total assets | $14,588,647,750 | 78 |
| Average earning assets | $13,032,437,000 | 79 |
| Average equity | $1,193,412,000 | 115 |
| Average total loans | $10,403,983,000 | 75 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8602% | 2,266 |
| Cost of funding earning assets | 0.9397% | 2,121 |
| Net interest margin | 3.9205% | 2,829 |
| Noninterest income to average assets | 2.1120% | 372 |
| Noninterest expense to average assets | 4.7878% | 435 |
| Loan and lease loss provision to assets | 0.2453% | 2,608 |
| Net operating income to assets | 0.3630% | 5,367 |
| Return on assets (ROA) | 0.3630% | 5,592 |
| Pretax return on assets | 0.5718% | 5,243 |
| Return on Equity (ROE) | 4.4244% | 5,075 |
| Retained earnings to average equity (ytd only) | 3.0965% | 4,576 |
| Net charge-offs to loans | 0.3479% | 2,625 |
| Credit loss provision to net charge-offs | 97.8723% | 2,832 |
| Earnings coverage of net charge-offs (x) | 3.2597% | 3,437 |
| Efficiency ratio | 84.4787% | 1,584 |
| Assets per employee ($millions) | 5.1110% | 2,017 |
| Cash dividends to net income (ytd only)* | 30.0134% | 2,615 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7059% | 6,825 |
| Loan loss allowance to noncurrent loans | 3.9504% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 14.1731% | 121 |
| Noncurrent loans to loans | 17.8687% | 59 |
| Net loans and leases to total assets | 72.4010% | 1,491 |
| Net loans and leases to deposits | 100.4171% | 406 |
| Net loans and leases to core deposits | 121.9822% | 278 |
| Total domestic deposits to total assets | 72.1003% | 6,796 |
| Equity capital to assets | 8.4041% | 6,302 |
| Core capital (leverage) ratio | 8.3197% | 5,883 |
| Tier 1 risk-based capital ratio | 14.8362% | 3,874 |
| Total risk-based capital ratio | 15.7549% | 4,063 |
| Memoranda: |
| Average total assets | $13,950,132,670 | 82 |
| Average earning assets | $12,428,771,330 | 82 |
| Average equity | $1,144,659,670 | 116 |
| Average total loans | $10,052,000,330 | 78 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1010% | 1,569 |
| Cost of funding earning assets | 0.9512% | 2,301 |
| Net interest margin | 4.1498% | 1,940 |
| Noninterest income to average assets | 1.9799% | 420 |
| Noninterest expense to average assets | 4.7305% | 444 |
| Loan and lease loss provision to assets | 0.3388% | 1,846 |
| Net operating income to assets | 0.3849% | 5,323 |
| Return on assets (ROA) | 0.3849% | 5,504 |
| Pretax return on assets | 0.6063% | 5,093 |
| Return on Equity (ROE) | 4.7559% | 4,905 |
| Retained earnings to average equity (ytd only) | 2.5810% | 4,967 |
| Net charge-offs to loans | 0.4529% | 1,959 |
| Credit loss provision to net charge-offs | 104.5003% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.9153% | 3,018 |
| Efficiency ratio | 82.5460% | 1,867 |
| Assets per employee ($millions) | 5.2095% | 1,984 |
| Cash dividends to net income (ytd only)* | 45.7293% | 1,586 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7941% | 6,753 |
| Loan loss allowance to noncurrent loans | 4.2237% | 6,788 |
| Noncurrent assets plus other real estate owned to assets | 14.5906% | 113 |
| Noncurrent loans to loans | 18.8017% | 62 |
| Net loans and leases to total assets | 70.9742% | 1,580 |
| Net loans and leases to deposits | 92.5238% | 761 |
| Net loans and leases to core deposits | 114.8638% | 407 |
| Total domestic deposits to total assets | 76.7092% | 6,452 |
| Equity capital to assets | 7.9818% | 6,533 |
| Core capital (leverage) ratio | 7.6977% | 6,490 |
| Tier 1 risk-based capital ratio | 14.4577% | 4,142 |
| Total risk-based capital ratio | 15.2487% | 4,433 |
| Memoranda: |
| Average total assets | $13,406,912,500 | 86 |
| Average earning assets | $11,939,997,000 | 85 |
| Average equity | $1,085,145,500 | 118 |
| Average total loans | $9,595,986,500 | 79 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5483% | 1,062 |
| Cost of funding earning assets | 1.1872% | 2,111 |
| Net interest margin | 4.3610% | 1,510 |
| Noninterest income to average assets | 1.6650% | 502 |
| Noninterest expense to average assets | 4.5161% | 586 |
| Loan and lease loss provision to assets | 0.4008% | 2,590 |
| Net operating income to assets | 0.3759% | 4,968 |
| Return on assets (ROA) | 0.4471% | 4,866 |
| Pretax return on assets | 0.6901% | 4,358 |
| Return on Equity (ROE) | 5.0254% | 4,377 |
| Retained earnings to average equity (ytd only) | 4.2279% | 3,176 |
| Net charge-offs to loans | 0.7183% | 2,360 |
| Credit loss provision to net charge-offs | 87.6320% | 4,116 |
| Earnings coverage of net charge-offs (x) | 2.1457% | 4,178 |
| Efficiency ratio | 81.4443% | 2,092 |
| Assets per employee ($millions) | 5.3246% | 1,809 |
| Cash dividends to net income (ytd only)* | 15.8693% | 3,692 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8328% | 6,676 |
| Loan loss allowance to noncurrent loans | 4.0495% | 6,856 |
| Noncurrent assets plus other real estate owned to assets | 15.6339% | 100 |
| Noncurrent loans to loans | 20.5656% | 45 |
| Net loans and leases to total assets | 71.0130% | 1,821 |
| Net loans and leases to deposits | 90.1130% | 1,145 |
| Net loans and leases to core deposits | 120.2313% | 349 |
| Total domestic deposits to total assets | 78.8044% | 6,037 |
| Equity capital to assets | 8.2124% | 6,425 |
| Core capital (leverage) ratio | 8.0129% | 6,251 |
| Tier 1 risk-based capital ratio | 14.5756% | 3,918 |
| Total risk-based capital ratio | 15.6797% | 3,996 |
| Memoranda: |
| Average total assets | $12,402,494,800 | 90 |
| Average earning assets | $10,898,842,400 | 89 |
| Average equity | $1,103,452,600 | 117 |
| Average total loans | $7,896,051,400 | 88 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6560% | 922 |
| Cost of funding earning assets | 1.2448% | 2,026 |
| Net interest margin | 4.4112% | 1,374 |
| Noninterest income to average assets | 1.6109% | 510 |
| Noninterest expense to average assets | 4.3943% | 641 |
| Loan and lease loss provision to assets | 0.4279% | 2,331 |
| Net operating income to assets | 0.3959% | 5,020 |
| Return on assets (ROA) | 0.4371% | 5,023 |
| Pretax return on assets | 0.7149% | 4,420 |
| Return on Equity (ROE) | 4.8141% | 4,602 |
| Retained earnings to average equity (ytd only) | 4.2024% | 3,742 |
| Net charge-offs to loans | 0.7122% | 2,131 |
| Credit loss provision to net charge-offs | 97.6102% | 3,508 |
| Earnings coverage of net charge-offs (x) | 2.4601% | 3,895 |
| Efficiency ratio | 79.5784% | 2,325 |
| Assets per employee ($millions) | 5.3114% | 1,801 |
| Cash dividends to net income (ytd only)* | 12.7068% | 3,193 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0343% | 6,106 |
| Loan loss allowance to noncurrent loans | 6.8635% | 6,924 |
| Noncurrent assets plus other real estate owned to assets | 10.8435% | 304 |
| Noncurrent loans to loans | 15.0697% | 136 |
| Net loans and leases to total assets | 63.9063% | 3,330 |
| Net loans and leases to deposits | 78.4784% | 2,892 |
| Net loans and leases to core deposits | 104.2506% | 966 |
| Total domestic deposits to total assets | 81.4317% | 5,280 |
| Equity capital to assets | 8.5898% | 6,211 |
| Core capital (leverage) ratio | 8.2543% | 6,051 |
| Tier 1 risk-based capital ratio | 14.5057% | 3,975 |
| Total risk-based capital ratio | 15.7020% | 3,982 |
| Memoranda: |
| Average total assets | $12,243,131,000 | 91 |
| Average earning assets | $10,718,522,000 | 90 |
| Average equity | $1,111,594,000 | 116 |
| Average total loans | $7,535,609,250 | 92 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7771% | 747 |
| Cost of funding earning assets | 1.2853% | 2,036 |
| Net interest margin | 4.4917% | 1,151 |
| Noninterest income to average assets | 1.7008% | 465 |
| Noninterest expense to average assets | 4.3693% | 691 |
| Loan and lease loss provision to assets | 0.4454% | 2,205 |
| Net operating income to assets | 0.4951% | 4,521 |
| Return on assets (ROA) | 0.5087% | 4,604 |
| Pretax return on assets | 0.8383% | 3,876 |
| Return on Equity (ROE) | 5.5011% | 4,212 |
| Retained earnings to average equity (ytd only) | 4.8954% | 3,063 |
| Net charge-offs to loans | 0.6263% | 2,268 |
| Credit loss provision to net charge-offs | 117.5281% | 2,617 |
| Earnings coverage of net charge-offs (x) | 3.3314% | 3,208 |
| Efficiency ratio | 76.8873% | 2,877 |
| Assets per employee ($millions) | 4.5421% | 2,768 |
| Cash dividends to net income (ytd only)* | 11.0096% | 3,113 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1630% | 5,706 |
| Loan loss allowance to noncurrent loans | 7.9925% | 6,971 |
| Noncurrent assets plus other real estate owned to assets | 10.0321% | 389 |
| Noncurrent loans to loans | 14.5515% | 147 |
| Net loans and leases to total assets | 60.5403% | 4,175 |
| Net loans and leases to deposits | 76.2019% | 3,429 |
| Net loans and leases to core deposits | 103.4524% | 1,077 |
| Total domestic deposits to total assets | 79.4472% | 5,965 |
| Equity capital to assets | 9.0245% | 5,546 |
| Core capital (leverage) ratio | 8.2840% | 5,895 |
| Tier 1 risk-based capital ratio | 15.3026% | 3,347 |
| Total risk-based capital ratio | 16.5533% | 3,303 |
| Memoranda: |
| Average total assets | $12,140,595,330 | 92 |
| Average earning assets | $10,625,002,330 | 92 |
| Average equity | $1,122,765,330 | 117 |
| Average total loans | $7,345,968,000 | 94 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9631% | 510 |
| Cost of funding earning assets | 1.3367% | 1,966 |
| Net interest margin | 4.6264% | 822 |
| Noninterest income to average assets | 1.8284% | 418 |
| Noninterest expense to average assets | 4.8368% | 420 |
| Loan and lease loss provision to assets | 0.6036% | 1,424 |
| Net operating income to assets | 0.2314% | 5,677 |
| Return on assets (ROA) | 0.2591% | 5,648 |
| Pretax return on assets | 0.4557% | 5,168 |
| Return on Equity (ROE) | 2.7662% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.1585% | 4,844 |
| Net charge-offs to loans | 1.1453% | 1,208 |
| Credit loss provision to net charge-offs | 87.6610% | 2,979 |
| Earnings coverage of net charge-offs (x) | 1.4758% | 3,603 |
| Efficiency ratio | 81.9617% | 2,235 |
| Assets per employee ($millions) | 5.0771% | 2,057 |
| Cash dividends to net income (ytd only)* | 21.9667% | 2,167 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1491% | 5,853 |
| Loan loss allowance to noncurrent loans | 9.1192% | 7,021 |
| Noncurrent assets plus other real estate owned to assets | 8.6436% | 522 |
| Noncurrent loans to loans | 12.6011% | 251 |
| Net loans and leases to total assets | 58.9216% | 4,475 |
| Net loans and leases to deposits | 72.2516% | 4,036 |
| Net loans and leases to core deposits | 98.2044% | 1,506 |
| Total domestic deposits to total assets | 81.5505% | 5,478 |
| Equity capital to assets | 9.4301% | 4,526 |
| Core capital (leverage) ratio | 8.6537% | 5,164 |
| Tier 1 risk-based capital ratio | 15.6243% | 3,089 |
| Total risk-based capital ratio | 16.8744% | 3,050 |
| Memoranda: |
| Average total assets | $11,949,600,500 | 93 |
| Average earning assets | $10,394,878,500 | 94 |
| Average equity | $1,119,096,000 | 117 |
| Average total loans | $7,183,745,000 | 95 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.9677% | 153 |
| Cost of funding earning assets | 1.5379% | 2,417 |
| Net interest margin | 5.4299% | 193 |
| Noninterest income to average assets | 2.3975% | 293 |
| Noninterest expense to average assets | 4.7655% | 519 |
| Loan and lease loss provision to assets | 0.7572% | 2,167 |
| Net operating income to assets | 1.0428% | 1,903 |
| Return on assets (ROA) | 1.1701% | 1,563 |
| Pretax return on assets | 1.7619% | 822 |
| Return on Equity (ROE) | 12.3640% | 1,242 |
| Retained earnings to average equity (ytd only) | 11.6783% | 304 |
| Net charge-offs to loans | 1.0086% | 2,178 |
| Credit loss provision to net charge-offs | 121.2482% | 3,467 |
| Earnings coverage of net charge-offs (x) | 3.7252% | 3,223 |
| Efficiency ratio | 66.6145% | 4,843 |
| Assets per employee ($millions) | 5.1717% | 1,909 |
| Cash dividends to net income (ytd only)* | 5.5463% | 3,868 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1537% | 5,719 |
| Loan loss allowance to noncurrent loans | 8.7053% | 7,101 |
| Noncurrent assets plus other real estate owned to assets | 9.1643% | 488 |
| Noncurrent loans to loans | 13.2524% | 221 |
| Net loans and leases to total assets | 59.9231% | 4,696 |
| Net loans and leases to deposits | 74.1705% | 4,167 |
| Net loans and leases to core deposits | 100.1269% | 1,605 |
| Total domestic deposits to total assets | 80.7911% | 5,594 |
| Equity capital to assets | 9.3008% | 4,690 |
| Core capital (leverage) ratio | 8.6739% | 5,064 |
| Tier 1 risk-based capital ratio | 15.7833% | 2,850 |
| Total risk-based capital ratio | 17.0337% | 2,814 |
| Memoranda: |
| Average total assets | $10,478,462,400 | 104 |
| Average earning assets | $9,059,053,000 | 106 |
| Average equity | $991,619,400 | 121 |
| Average total loans | $6,488,056,400 | 102 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2802% | 108 |
| Cost of funding earning assets | 1.5799% | 2,511 |
| Net interest margin | 5.7003% | 133 |
| Noninterest income to average assets | 2.3389% | 304 |
| Noninterest expense to average assets | 4.9178% | 403 |
| Loan and lease loss provision to assets | 0.7805% | 1,953 |
| Net operating income to assets | 1.0908% | 1,920 |
| Return on assets (ROA) | 1.2775% | 1,474 |
| Pretax return on assets | 1.8306% | 871 |
| Return on Equity (ROE) | 13.4312% | 1,152 |
| Retained earnings to average equity (ytd only) | 12.7231% | 378 |
| Net charge-offs to loans | 1.2327% | 1,661 |
| Credit loss provision to net charge-offs | 101.6232% | 4,242 |
| Earnings coverage of net charge-offs (x) | 3.0524% | 3,607 |
| Efficiency ratio | 67.1514% | 4,632 |
| Assets per employee ($millions) | 5.2425% | 1,880 |
| Cash dividends to net income (ytd only)* | 5.2720% | 3,439 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9888% | 6,448 |
| Loan loss allowance to noncurrent loans | 7.5517% | 7,209 |
| Noncurrent assets plus other real estate owned to assets | 9.3068% | 466 |
| Noncurrent loans to loans | 13.0937% | 227 |
| Net loans and leases to total assets | 61.4694% | 4,637 |
| Net loans and leases to deposits | 76.4387% | 4,092 |
| Net loans and leases to core deposits | 105.9622% | 1,326 |
| Total domestic deposits to total assets | 80.4166% | 5,574 |
| Equity capital to assets | 9.3846% | 5,005 |
| Core capital (leverage) ratio | 8.4498% | 5,603 |
| Tier 1 risk-based capital ratio | 14.8208% | 3,335 |
| Total risk-based capital ratio | 15.9201% | 3,390 |
| Memoranda: |
| Average total assets | $10,095,923,750 | 108 |
| Average earning assets | $8,719,899,750 | 109 |
| Average equity | $960,298,750 | 121 |
| Average total loans | $6,290,089,000 | 105 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4870% | 91 |
| Cost of funding earning assets | 1.5714% | 2,823 |
| Net interest margin | 5.9157% | 103 |
| Noninterest income to average assets | 2.2447% | 299 |
| Noninterest expense to average assets | 4.2794% | 741 |
| Loan and lease loss provision to assets | 0.8679% | 1,674 |
| Net operating income to assets | 1.3670% | 1,156 |
| Return on assets (ROA) | 1.6158% | 756 |
| Pretax return on assets | 2.5920% | 203 |
| Return on Equity (ROE) | 16.8964% | 583 |
| Retained earnings to average equity (ytd only) | 16.1557% | 189 |
| Net charge-offs to loans | 1.1220% | 1,691 |
| Credit loss provision to net charge-offs | 123.9806% | 3,265 |
| Earnings coverage of net charge-offs (x) | 4.3872% | 2,964 |
| Efficiency ratio | 57.6681% | 6,429 |
| Assets per employee ($millions) | 5.3159% | 1,797 |
| Cash dividends to net income (ytd only)* | 4.3842% | 3,259 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1643% | 5,632 |
| Loan loss allowance to noncurrent loans | 9.5866% | 7,269 |
| Noncurrent assets plus other real estate owned to assets | 8.6063% | 534 |
| Noncurrent loans to loans | 12.1450% | 279 |
| Net loans and leases to total assets | 59.4368% | 5,168 |
| Net loans and leases to deposits | 73.6980% | 4,724 |
| Net loans and leases to core deposits | 104.9680% | 1,541 |
| Total domestic deposits to total assets | 80.6491% | 5,523 |
| Equity capital to assets | 9.3059% | 4,995 |
| Core capital (leverage) ratio | 8.8116% | 4,896 |
| Tier 1 risk-based capital ratio | 15.7172% | 2,800 |
| Total risk-based capital ratio | 16.9672% | 2,761 |
| Memoranda: |
| Average total assets | $9,599,285,330 | 111 |
| Average earning assets | $8,285,074,000 | 110 |
| Average equity | $917,969,000 | 123 |
| Average total loans | $5,989,162,670 | 108 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.3396% | 118 |
| Cost of funding earning assets | 1.6253% | 2,801 |
| Net interest margin | 5.7143% | 139 |
| Noninterest income to average assets | 2.3054% | 279 |
| Noninterest expense to average assets | 4.1623% | 848 |
| Loan and lease loss provision to assets | 0.7443% | 1,711 |
| Net operating income to assets | 1.4485% | 987 |
| Return on assets (ROA) | 1.4218% | 1,102 |
| Pretax return on assets | 2.2752% | 367 |
| Return on Equity (ROE) | 14.6193% | 938 |
| Retained earnings to average equity (ytd only) | 13.8258% | 527 |
| Net charge-offs to loans | 0.8203% | 1,893 |
| Credit loss provision to net charge-offs | 142.1746% | 2,503 |
| Earnings coverage of net charge-offs (x) | 5.8472% | 2,326 |
| Efficiency ratio | 57.0534% | 6,622 |
| Assets per employee ($millions) | 4.8134% | 2,491 |
| Cash dividends to net income (ytd only)* | 5.4273% | 2,469 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3016% | 4,932 |
| Loan loss allowance to noncurrent loans | 9.7736% | 7,340 |
| Noncurrent assets plus other real estate owned to assets | 9.3828% | 451 |
| Noncurrent loans to loans | 13.3179% | 234 |
| Net loans and leases to total assets | 59.5145% | 5,199 |
| Net loans and leases to deposits | 76.7788% | 4,265 |
| Net loans and leases to core deposits | 115.5354% | 971 |
| Total domestic deposits to total assets | 77.5142% | 6,448 |
| Equity capital to assets | 10.9866% | 2,774 |
| Core capital (leverage) ratio | 10.1871% | 2,943 |
| Tier 1 risk-based capital ratio | 18.8141% | 1,763 |
| Total risk-based capital ratio | 20.0570% | 1,733 |
| Memoranda: |
| Average total assets | $8,811,950,500 | 121 |
| Average earning assets | $7,583,950,500 | 122 |
| Average equity | $857,033,000 | 125 |
| Average total loans | $5,623,906,500 | 113 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.1949% | 210 |
| Cost of funding earning assets | 2.4273% | 1,221 |
| Net interest margin | 4.7677% | 743 |
| Noninterest income to average assets | 2.7191% | 251 |
| Noninterest expense to average assets | 3.9081% | 1,501 |
| Loan and lease loss provision to assets | 1.6088% | 1,421 |
| Net operating income to assets | 0.7344% | 2,793 |
| Return on assets (ROA) | 0.7817% | 2,689 |
| Pretax return on assets | 1.2831% | 1,742 |
| Return on Equity (ROE) | 10.1807% | 1,641 |
| Retained earnings to average equity (ytd only) | 9.0121% | 499 |
| Net charge-offs to loans | 1.4203% | 1,769 |
| Credit loss provision to net charge-offs | 158.0843% | 2,843 |
| Earnings coverage of net charge-offs (x) | 2.7679% | 3,709 |
| Efficiency ratio | 57.2600% | 6,872 |
| Assets per employee ($millions) | 4.4702% | 2,980 |
| Cash dividends to net income (ytd only)* | 11.4793% | 3,853 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2809% | 4,867 |
| Loan loss allowance to noncurrent loans | 8.9303% | 7,381 |
| Noncurrent assets plus other real estate owned to assets | 11.0293% | 300 |
| Noncurrent loans to loans | 14.3435% | 196 |
| Net loans and leases to total assets | 67.1297% | 3,892 |
| Net loans and leases to deposits | 85.3711% | 3,014 |
| Net loans and leases to core deposits | 90.9454% | 5,020 |
| Total domestic deposits to total assets | 78.6328% | 6,085 |
| Equity capital to assets | 8.2297% | 6,305 |
| Core capital (leverage) ratio | 7.9892% | 6,214 |
| Tier 1 risk-based capital ratio | 14.5283% | 3,196 |
| Total risk-based capital ratio | 15.7773% | 3,147 |
| Memoranda: |
| Average total assets | $7,578,071,000 | 132 |
| Average earning assets | $6,367,081,200 | 134 |
| Average equity | $581,853,200 | 168 |
| Average total loans | $5,429,590,400 | 118 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2555% | 209 |
| Cost of funding earning assets | 2.5838% | 1,068 |
| Net interest margin | 4.6717% | 878 |
| Noninterest income to average assets | 2.7068% | 245 |
| Noninterest expense to average assets | 3.7660% | 1,670 |
| Loan and lease loss provision to assets | 1.6360% | 1,146 |
| Net operating income to assets | 0.7387% | 3,066 |
| Return on assets (ROA) | 0.8210% | 2,785 |
| Pretax return on assets | 1.3251% | 1,893 |
| Return on Equity (ROE) | 10.9044% | 1,654 |
| Retained earnings to average equity (ytd only) | 9.6934% | 692 |
| Net charge-offs to loans | 1.1733% | 1,729 |
| Credit loss provision to net charge-offs | 191.9633% | 2,360 |
| Earnings coverage of net charge-offs (x) | 3.3217% | 3,578 |
| Efficiency ratio | 56.1569% | 6,979 |
| Assets per employee ($millions) | 4.3533% | 3,117 |
| Cash dividends to net income (ytd only)* | 11.1058% | 3,484 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3491% | 4,207 |
| Loan loss allowance to noncurrent loans | 12.0408% | 7,408 |
| Noncurrent assets plus other real estate owned to assets | 8.8480% | 445 |
| Noncurrent loans to loans | 11.2047% | 316 |
| Net loans and leases to total assets | 65.7862% | 4,470 |
| Net loans and leases to deposits | 83.0948% | 3,813 |
| Net loans and leases to core deposits | 89.0371% | 5,525 |
| Total domestic deposits to total assets | 79.1701% | 5,745 |
| Equity capital to assets | 7.7607% | 7,077 |
| Core capital (leverage) ratio | 7.2485% | 7,225 |
| Tier 1 risk-based capital ratio | 13.3513% | 3,958 |
| Total risk-based capital ratio | 14.6013% | 3,903 |
| Memoranda: |
| Average total assets | $7,457,657,750 | 137 |
| Average earning assets | $6,210,031,750 | 143 |
| Average equity | $561,493,750 | 174 |
| Average total loans | $5,416,820,500 | 124 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.0798% | 277 |
| Cost of funding earning assets | 2.7106% | 1,005 |
| Net interest margin | 4.3692% | 1,472 |
| Noninterest income to average assets | 2.8036% | 231 |
| Noninterest expense to average assets | 3.6933% | 1,854 |
| Loan and lease loss provision to assets | 1.7115% | 979 |
| Net operating income to assets | 0.6540% | 3,451 |
| Return on assets (ROA) | 0.7789% | 3,037 |
| Pretax return on assets | 1.2617% | 2,126 |
| Return on Equity (ROE) | 10.4564% | 1,862 |
| Retained earnings to average equity (ytd only) | 9.2191% | 888 |
| Net charge-offs to loans | 0.9337% | 1,849 |
| Credit loss provision to net charge-offs | 245.3599% | 1,895 |
| Earnings coverage of net charge-offs (x) | 3.9792% | 3,254 |
| Efficiency ratio | 56.1363% | 7,104 |
| Assets per employee ($millions) | 4.3215% | 3,071 |
| Cash dividends to net income (ytd only)* | 11.8335% | 3,355 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1806% | 5,073 |
| Loan loss allowance to noncurrent loans | 10.8812% | 7,480 |
| Noncurrent assets plus other real estate owned to assets | 9.5441% | 332 |
| Noncurrent loans to loans | 10.8498% | 290 |
| Net loans and leases to total assets | 70.2423% | 3,637 |
| Net loans and leases to deposits | 91.0792% | 2,636 |
| Net loans and leases to core deposits | 97.8319% | 4,720 |
| Total domestic deposits to total assets | 77.1222% | 6,292 |
| Equity capital to assets | 7.7594% | 7,024 |
| Core capital (leverage) ratio | 7.4669% | 7,063 |
| Tier 1 risk-based capital ratio | 12.7310% | 4,330 |
| Total risk-based capital ratio | 13.9833% | 4,247 |
| Memoranda: |
| Average total assets | $7,378,023,330 | 142 |
| Average earning assets | $6,189,462,330 | 146 |
| Average equity | $549,556,330 | 178 |
| Average total loans | $5,511,587,670 | 128 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7917% | 489 |
| Cost of funding earning assets | 2.9739% | 641 |
| Net interest margin | 3.8178% | 3,375 |
| Noninterest income to average assets | 2.6995% | 227 |
| Noninterest expense to average assets | 3.5055% | 2,086 |
| Loan and lease loss provision to assets | 0.9895% | 1,313 |
| Net operating income to assets | 0.8693% | 2,840 |
| Return on assets (ROA) | 0.8645% | 3,009 |
| Pretax return on assets | 1.4030% | 1,957 |
| Return on Equity (ROE) | 11.8589% | 1,707 |
| Retained earnings to average equity (ytd only) | 10.5854% | 1,058 |
| Net charge-offs to loans | 0.2617% | 3,089 |
| Credit loss provision to net charge-offs | 493.8675% | 1,101 |
| Earnings coverage of net charge-offs (x) | 11.9651% | 1,832 |
| Efficiency ratio | 58.2916% | 6,654 |
| Assets per employee ($millions) | 4.7158% | 2,419 |
| Cash dividends to net income (ytd only)* | 10.7391% | 2,706 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7022% | 7,437 |
| Loan loss allowance to noncurrent loans | 7.6200% | 7,535 |
| Noncurrent assets plus other real estate owned to assets | 8.4924% | 323 |
| Noncurrent loans to loans | 9.2158% | 340 |
| Net loans and leases to total assets | 74.1378% | 2,715 |
| Net loans and leases to deposits | 99.6262% | 1,461 |
| Net loans and leases to core deposits | 107.0092% | 3,794 |
| Total domestic deposits to total assets | 74.4160% | 6,818 |
| Equity capital to assets | 7.1165% | 7,615 |
| Core capital (leverage) ratio | 7.0196% | 7,621 |
| Tier 1 risk-based capital ratio | 13.2132% | 4,042 |
| Total risk-based capital ratio | 14.2040% | 4,133 |
| Memoranda: |
| Average total assets | $7,324,581,000 | 142 |
| Average earning assets | $6,145,982,500 | 147 |
| Average equity | $533,944,000 | 177 |
| Average total loans | $5,607,190,000 | 130 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2635% | 4,162 |
| Cost of funding earning assets | 3.5705% | 431 |
| Net interest margin | 2.6930% | 7,509 |
| Noninterest income to average assets | 2.0952% | 320 |
| Noninterest expense to average assets | 3.4939% | 2,415 |
| Loan and lease loss provision to assets | 0.6249% | 2,332 |
| Net operating income to assets | 0.1947% | 5,865 |
| Return on assets (ROA) | 0.8342% | 3,133 |
| Pretax return on assets | 1.1222% | 2,947 |
| Return on Equity (ROE) | 12.0994% | 1,566 |
| Retained earnings to average equity (ytd only) | 10.5109% | 388 |
| Net charge-offs to loans | 0.4299% | 2,670 |
| Credit loss provision to net charge-offs | 183.9211% | 2,704 |
| Earnings coverage of net charge-offs (x) | 2.8033% | 4,685 |
| Efficiency ratio | 76.9897% | 3,081 |
| Assets per employee ($millions) | 4.7014% | 2,323 |
| Cash dividends to net income (ytd only)* | 13.1287% | 4,616 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4587% | 7,905 |
| Loan loss allowance to noncurrent loans | 4.6031% | 7,549 |
| Noncurrent assets plus other real estate owned to assets | 9.4417% | 194 |
| Noncurrent loans to loans | 9.9658% | 213 |
| Net loans and leases to total assets | 78.2322% | 2,076 |
| Net loans and leases to deposits | 109.8344% | 845 |
| Net loans and leases to core deposits | 118.0173% | 2,879 |
| Total domestic deposits to total assets | 71.2274% | 7,130 |
| Equity capital to assets | 7.4766% | 7,400 |
| Core capital (leverage) ratio | 7.4724% | 7,238 |
| Tier 1 risk-based capital ratio | 12.7040% | 4,288 |
| Total risk-based capital ratio | 13.3190% | 4,650 |
| Memoranda: |
| Average total assets | $6,209,104,600 | 157 |
| Average earning assets | $5,420,834,800 | 164 |
| Average equity | $428,078,200 | 214 |
| Average total loans | $4,907,523,400 | 136 |
