Home > Fifth Third Bank > Performance and Condition Ratios
Fifth Third Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3331% | 1,427 |
| Cost of funding earning assets | 1.8856% | 1,094 |
| Net interest margin | 3.4475% | 2,306 |
| Noninterest income to average assets | 1.3400% | 451 |
| Noninterest expense to average assets | 2.4732% | 2,366 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.2829% | 1,467 |
| Return on assets (ROA) | 1.2837% | 1,433 |
| Pretax return on assets | 1.6498% | 1,149 |
| Return on Equity (ROE) | 13.4300% | 1,624 |
| Retained earnings to average equity (ytd only) | 4.4186% | 2,825 |
| Net charge-offs to loans | 0.3196% | 342 |
| Credit loss provision to net charge-offs | 145.6186% | 1,498 |
| Earnings coverage of net charge-offs (x) | 10.2191% | 2,250 |
| Efficiency ratio | 56.1488% | 3,483 |
| Assets per employee ($millions) | 11.4296% | 475 |
| Cash dividends to net income (ytd only)* | 67.0886% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9743% | 393 |
| Loan loss allowance to noncurrent loans | 281.1138% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 1,386 |
| Noncurrent loans to loans | 0.7023% | 1,110 |
| Net loans and leases to total assets | 53.9300% | 3,353 |
| Net loans and leases to deposits | 65.5765% | 3,199 |
| Net loans and leases to core deposits | 68.3536% | 3,385 |
| Total domestic deposits to total assets | 82.1700% | 3,099 |
| Equity capital to assets | 9.9131% | 2,057 |
| Core capital (leverage) ratio | 9.3755% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8519% | 1,915 |
| Memoranda: | ||
| Average total assets | $209,243,435,800 | 15 |
| Average earning assets | $183,550,638,000 | 17 |
| Average equity | $20,006,202,600 | 15 |
| Average total loans | $121,411,439,600 | 17 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2175% | 1,426 |
| Cost of funding earning assets | 1.7275% | 1,136 |
| Net interest margin | 3.4900% | 2,234 |
| Noninterest income to average assets | 1.3400% | 448 |
| Noninterest expense to average assets | 2.3890% | 2,544 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 1.3198% | 1,501 |
| Return on assets (ROA) | 1.3198% | 1,483 |
| Pretax return on assets | 1.7087% | 1,147 |
| Return on Equity (ROE) | 13.9400% | 1,669 |
| Retained earnings to average equity (ytd only) | 5.1276% | 2,894 |
| Net charge-offs to loans | 0.3182% | 278 |
| Credit loss provision to net charge-offs | 166.7808% | 1,245 |
| Earnings coverage of net charge-offs (x) | 10.7089% | 2,113 |
| Efficiency ratio | 53.9236% | 3,594 |
| Assets per employee ($millions) | 11.2947% | 469 |
| Cash dividends to net income (ytd only)* | 63.2039% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9387% | 433 |
| Loan loss allowance to noncurrent loans | 313.6729% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.3667% | 1,565 |
| Noncurrent loans to loans | 0.6181% | 1,317 |
| Net loans and leases to total assets | 55.7900% | 3,221 |
| Net loans and leases to deposits | 67.9464% | 2,982 |
| Net loans and leases to core deposits | 71.2316% | 3,151 |
| Total domestic deposits to total assets | 82.0300% | 3,204 |
| Equity capital to assets | 8.8075% | 2,534 |
| Core capital (leverage) ratio | 9.5891% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3801% | 2,122 |
| Memoranda: | ||
| Average total assets | $208,112,294,750 | 16 |
| Average earning assets | $182,304,297,500 | 18 |
| Average equity | $19,710,003,250 | 16 |
| Average total loans | $122,361,299,500 | 16 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0780% | 1,407 |
| Cost of funding earning assets | 1.5414% | 1,173 |
| Net interest margin | 3.5366% | 2,186 |
| Noninterest income to average assets | 1.3300% | 375 |
| Noninterest expense to average assets | 2.4578% | 2,322 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 1.2588% | 1,667 |
| Return on assets (ROA) | 1.2604% | 1,654 |
| Pretax return on assets | 1.6405% | 1,337 |
| Return on Equity (ROE) | 13.0000% | 1,903 |
| Retained earnings to average equity (ytd only) | 0.0299% | 4,063 |
| Net charge-offs to loans | 0.2734% | 306 |
| Credit loss provision to net charge-offs | 208.3333% | 1,033 |
| Earnings coverage of net charge-offs (x) | 12.1131% | 1,948 |
| Efficiency ratio | 55.0481% | 3,529 |
| Assets per employee ($millions) | 10.7502% | 539 |
| Cash dividends to net income (ytd only)* | 99.7698% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 498 |
| Loan loss allowance to noncurrent loans | 273.4430% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 1,260 |
| Noncurrent loans to loans | 0.6938% | 1,081 |
| Net loans and leases to total assets | 58.2900% | 2,936 |
| Net loans and leases to deposits | 70.8501% | 2,728 |
| Net loans and leases to core deposits | 74.1852% | 2,869 |
| Total domestic deposits to total assets | 82.1800% | 3,196 |
| Equity capital to assets | 9.4823% | 2,169 |
| Core capital (leverage) ratio | 9.2644% | 3,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6699% | 2,410 |
| Memoranda: | ||
| Average total assets | $206,767,059,667 | 16 |
| Average earning assets | $181,132,730,000 | 18 |
| Average equity | $20,051,671,000 | 16 |
| Average total loans | $122,914,399,333 | 16 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9053% | 1,401 |
| Cost of funding earning assets | 1.3031% | 1,225 |
| Net interest margin | 3.6022% | 2,123 |
| Noninterest income to average assets | 1.3200% | 386 |
| Noninterest expense to average assets | 2.5554% | 2,094 |
| Loan and lease loss provision to assets | 0.3200% | 260 |
| Net operating income to assets | 1.2375% | 1,827 |
| Return on assets (ROA) | 1.2390% | 1,797 |
| Pretax return on assets | 1.6043% | 1,450 |
| Return on Equity (ROE) | 12.6400% | 2,066 |
| Retained earnings to average equity (ytd only) | 12.6365% | 1,157 |
| Net charge-offs to loans | 0.2536% | 301 |
| Credit loss provision to net charge-offs | 189.7436% | 846 |
| Earnings coverage of net charge-offs (x) | 12.7308% | 1,603 |
| Efficiency ratio | 56.5875% | 3,346 |
| Assets per employee ($millions) | 10.6723% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 672 |
| Loan loss allowance to noncurrent loans | 261.8203% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4186% | 1,231 |
| Noncurrent loans to loans | 0.6844% | 1,109 |
| Net loans and leases to total assets | 58.4800% | 2,825 |
| Net loans and leases to deposits | 72.1835% | 2,458 |
| Net loans and leases to core deposits | 75.5398% | 2,567 |
| Total domestic deposits to total assets | 80.9500% | 3,644 |
| Equity capital to assets | 10.1645% | 1,738 |
| Core capital (leverage) ratio | 9.6238% | 3,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0469% | 2,374 |
| Memoranda: | ||
| Average total assets | $206,937,589,500 | 17 |
| Average earning assets | $181,110,595,000 | 19 |
| Average equity | $20,290,506,500 | 17 |
| Average total loans | $123,046,099,000 | 18 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 2,689 |
| Cost of funding earning assets | 0.3709% | 2,322 |
| Net interest margin | 3.2669% | 2,658 |
| Noninterest income to average assets | 1.3300% | 392 |
| Noninterest expense to average assets | 2.2738% | 2,822 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.2886% | 1,474 |
| Return on assets (ROA) | 1.2887% | 1,430 |
| Pretax return on assets | 1.6492% | 1,041 |
| Return on Equity (ROE) | 13.0200% | 1,805 |
| Retained earnings to average equity (ytd only) | 13.0170% | 513 |
| Net charge-offs to loans | 0.1884% | 435 |
| Credit loss provision to net charge-offs | 233.3130% | 1,033 |
| Earnings coverage of net charge-offs (x) | 17.5846% | 1,950 |
| Efficiency ratio | 53.6713% | 3,819 |
| Assets per employee ($millions) | 10.6902% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7912% | 671 |
| Loan loss allowance to noncurrent loans | 286.7150% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 1,347 |
| Noncurrent loans to loans | 0.6247% | 1,187 |
| Net loans and leases to total assets | 58.3100% | 2,792 |
| Net loans and leases to deposits | 70.9561% | 2,489 |
| Net loans and leases to core deposits | 73.2530% | 2,627 |
| Total domestic deposits to total assets | 82.0900% | 3,615 |
| Equity capital to assets | 9.4435% | 2,053 |
| Core capital (leverage) ratio | 9.2275% | 3,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8054% | 2,449 |
| Memoranda: | ||
| Average total assets | $207,193,833,600 | 17 |
| Average earning assets | $181,917,853,600 | 19 |
| Average equity | $20,511,660,000 | 15 |
| Average total loans | $120,146,007,200 | 15 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3148% | 3,140 |
| Cost of funding earning assets | 0.2047% | 3,214 |
| Net interest margin | 3.1101% | 2,901 |
| Noninterest income to average assets | 1.3100% | 429 |
| Noninterest expense to average assets | 2.2499% | 2,790 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.1979% | 1,699 |
| Return on assets (ROA) | 1.1975% | 1,676 |
| Pretax return on assets | 1.5453% | 1,286 |
| Return on Equity (ROE) | 11.9600% | 2,044 |
| Retained earnings to average equity (ytd only) | 11.9597% | 801 |
| Net charge-offs to loans | 0.1771% | 378 |
| Credit loss provision to net charge-offs | 230.1327% | 922 |
| Earnings coverage of net charge-offs (x) | 17.5483% | 1,784 |
| Efficiency ratio | 55.1185% | 3,706 |
| Assets per employee ($millions) | 10.6593% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7214% | 838 |
| Loan loss allowance to noncurrent loans | 257.2218% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4085% | 1,330 |
| Noncurrent loans to loans | 0.6692% | 1,219 |
| Net loans and leases to total assets | 58.6600% | 2,630 |
| Net loans and leases to deposits | 71.4033% | 2,256 |
| Net loans and leases to core deposits | 73.3221% | 2,400 |
| Total domestic deposits to total assets | 82.0700% | 3,833 |
| Equity capital to assets | 9.0323% | 2,191 |
| Core capital (leverage) ratio | 8.9091% | 3,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4069% | 2,685 |
| Memoranda: | ||
| Average total assets | $207,419,997,250 | 17 |
| Average earning assets | $182,457,269,500 | 18 |
| Average equity | $20,769,321,750 | 14 |
| Average total loans | $119,560,959,500 | 15 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0069% | 3,544 |
| Cost of funding earning assets | 0.1046% | 4,143 |
| Net interest margin | 2.9023% | 3,168 |
| Noninterest income to average assets | 1.2853% | 433 |
| Noninterest expense to average assets | 2.2419% | 2,726 |
| Loan and lease loss provision to assets | 0.2151% | 371 |
| Net operating income to assets | 1.0982% | 1,776 |
| Return on assets (ROA) | 1.0986% | 1,748 |
| Pretax return on assets | 1.3932% | 1,459 |
| Return on Equity (ROE) | 10.6315% | 2,124 |
| Retained earnings to average equity (ytd only) | 10.6315% | 865 |
| Net charge-offs to loans | 0.1612% | 393 |
| Credit loss provision to net charge-offs | 227.3012% | 914 |
| Earnings coverage of net charge-offs (x) | 17.5106% | 1,601 |
| Efficiency ratio | 57.6837% | 3,603 |
| Assets per employee ($millions) | 10.7650% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6596% | 1,033 |
| Loan loss allowance to noncurrent loans | 240.8488% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 1,364 |
| Noncurrent loans to loans | 0.6890% | 1,254 |
| Net loans and leases to total assets | 58.0657% | 2,530 |
| Net loans and leases to deposits | 71.5737% | 2,064 |
| Net loans and leases to core deposits | 73.3265% | 2,220 |
| Total domestic deposits to total assets | 81.0412% | 4,127 |
| Equity capital to assets | 9.9076% | 1,763 |
| Core capital (leverage) ratio | 8.6107% | 3,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0067% | 2,818 |
| Memoranda: | ||
| Average total assets | $208,465,148,333 | 16 |
| Average earning assets | $184,203,129,333 | 17 |
| Average equity | $21,541,899,000 | 15 |
| Average total loans | $118,768,225,333 | 15 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7790% | 3,783 |
| Cost of funding earning assets | 0.0727% | 4,422 |
| Net interest margin | 2.7063% | 3,388 |
| Noninterest income to average assets | 1.3218% | 418 |
| Noninterest expense to average assets | 2.3316% | 2,391 |
| Loan and lease loss provision to assets | 0.0860% | 965 |
| Net operating income to assets | 1.0576% | 1,662 |
| Return on assets (ROA) | 1.0605% | 1,646 |
| Pretax return on assets | 1.3147% | 1,461 |
| Return on Equity (ROE) | 10.0600% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.0600% | 1,002 |
| Net charge-offs to loans | 0.1163% | 465 |
| Credit loss provision to net charge-offs | 145.3052% | 873 |
| Earnings coverage of net charge-offs (x) | 21.4667% | 1,256 |
| Efficiency ratio | 61.9572% | 3,263 |
| Assets per employee ($millions) | 10.9341% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 1,244 |
| Loan loss allowance to noncurrent loans | 211.1197% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 1,380 |
| Noncurrent loans to loans | 0.7627% | 1,251 |
| Net loans and leases to total assets | 55.4692% | 2,581 |
| Net loans and leases to deposits | 66.1616% | 2,324 |
| Net loans and leases to core deposits | 66.9284% | 2,544 |
| Total domestic deposits to total assets | 83.7844% | 3,805 |
| Equity capital to assets | 10.1340% | 1,804 |
| Core capital (leverage) ratio | 8.5104% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2433% | 2,840 |
| Memoranda: | ||
| Average total assets | $209,924,654,500 | 16 |
| Average earning assets | $186,701,931,500 | 17 |
| Average equity | $22,130,533,000 | 15 |
| Average total loans | $117,469,401,500 | 15 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8471% | 4,136 |
| Cost of funding earning assets | 0.1060% | 4,341 |
| Net interest margin | 2.7412% | 3,798 |
| Noninterest income to average assets | 1.4625% | 524 |
| Noninterest expense to average assets | 2.3045% | 2,781 |
| Loan and lease loss provision to assets | -0.1828% | 4,674 |
| Net operating income to assets | 1.3946% | 1,295 |
| Return on assets (ROA) | 1.3959% | 1,346 |
| Pretax return on assets | 1.7935% | 929 |
| Return on Equity (ROE) | 12.1310% | 1,766 |
| Retained earnings to average equity (ytd only) | -0.7097% | 4,567 |
| Net charge-offs to loans | 0.1527% | 629 |
| Credit loss provision to net charge-offs | -221.0998% | 3,538 |
| Earnings coverage of net charge-offs (x) | 18.9899% | 1,894 |
| Efficiency ratio | 58.3448% | 3,388 |
| Assets per employee ($millions) | 10.9869% | 510 |
| Cash dividends to net income (ytd only)* | 105.8505% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 1,205 |
| Loan loss allowance to noncurrent loans | 193.2523% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4782% | 1,388 |
| Noncurrent loans to loans | 0.8408% | 1,208 |
| Net loans and leases to total assets | 54.6355% | 2,775 |
| Net loans and leases to deposits | 64.9863% | 2,595 |
| Net loans and leases to core deposits | 65.7727% | 2,840 |
| Total domestic deposits to total assets | 84.0144% | 3,559 |
| Equity capital to assets | 10.9511% | 1,820 |
| Core capital (leverage) ratio | 8.2909% | 4,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3335% | 2,814 |
| Memoranda: | ||
| Average total assets | $205,743,392,200 | 14 |
| Average earning assets | $183,967,536,000 | 15 |
| Average equity | $23,674,652,000 | 14 |
| Average total loans | $114,166,324,400 | 13 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8676% | 4,215 |
| Cost of funding earning assets | 0.1160% | 4,378 |
| Net interest margin | 2.7516% | 3,881 |
| Noninterest income to average assets | 1.4618% | 564 |
| Noninterest expense to average assets | 2.3051% | 2,739 |
| Loan and lease loss provision to assets | -0.2143% | 4,764 |
| Net operating income to assets | 1.4212% | 1,472 |
| Return on assets (ROA) | 1.4211% | 1,539 |
| Pretax return on assets | 1.8315% | 1,089 |
| Return on Equity (ROE) | 12.1995% | 1,977 |
| Retained earnings to average equity (ytd only) | -1.7192% | 4,695 |
| Net charge-offs to loans | 0.1595% | 526 |
| Credit loss provision to net charge-offs | -266.5583% | 3,458 |
| Earnings coverage of net charge-offs (x) | 18.2717% | 1,791 |
| Efficiency ratio | 58.2389% | 3,227 |
| Assets per employee ($millions) | 10.7803% | 516 |
| Cash dividends to net income (ytd only)* | 114.0924% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7273% | 1,051 |
| Loan loss allowance to noncurrent loans | 217.9253% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 1,688 |
| Noncurrent loans to loans | 0.7926% | 1,427 |
| Net loans and leases to total assets | 53.8609% | 2,988 |
| Net loans and leases to deposits | 64.7960% | 2,756 |
| Net loans and leases to core deposits | 65.5758% | 2,994 |
| Total domestic deposits to total assets | 83.0257% | 3,701 |
| Equity capital to assets | 11.2580% | 1,849 |
| Core capital (leverage) ratio | 8.4308% | 4,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7863% | 2,780 |
| Memoranda: | ||
| Average total assets | $204,755,044,000 | 14 |
| Average earning assets | $183,091,558,750 | 15 |
| Average equity | $23,852,269,000 | 14 |
| Average total loans | $113,592,636,500 | 13 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8847% | 4,242 |
| Cost of funding earning assets | 0.1290% | 4,361 |
| Net interest margin | 2.7557% | 3,880 |
| Noninterest income to average assets | 1.3979% | 608 |
| Noninterest expense to average assets | 2.3202% | 2,700 |
| Loan and lease loss provision to assets | -0.2817% | 4,827 |
| Net operating income to assets | 1.4199% | 1,517 |
| Return on assets (ROA) | 1.4190% | 1,582 |
| Pretax return on assets | 1.8266% | 1,172 |
| Return on Equity (ROE) | 12.0445% | 2,043 |
| Retained earnings to average equity (ytd only) | -3.7089% | 4,747 |
| Net charge-offs to loans | 0.2015% | 427 |
| Credit loss provision to net charge-offs | -265.7702% | 3,285 |
| Earnings coverage of net charge-offs (x) | 13.7762% | 1,685 |
| Efficiency ratio | 59.4805% | 3,084 |
| Assets per employee ($millions) | 10.5269% | 522 |
| Cash dividends to net income (ytd only)* | 130.7930% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 895 |
| Loan loss allowance to noncurrent loans | 191.7161% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 1,554 |
| Noncurrent loans to loans | 0.9346% | 1,321 |
| Net loans and leases to total assets | 54.6266% | 3,057 |
| Net loans and leases to deposits | 65.9512% | 2,829 |
| Net loans and leases to core deposits | 66.7180% | 3,052 |
| Total domestic deposits to total assets | 82.7542% | 3,760 |
| Equity capital to assets | 11.4771% | 1,648 |
| Core capital (leverage) ratio | 8.4628% | 4,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2729% | 2,622 |
| Memoranda: | ||
| Average total assets | $204,214,343,333 | 14 |
| Average earning assets | $182,917,876,667 | 15 |
| Average equity | $24,058,386,333 | 13 |
| Average total loans | $113,753,392,667 | 13 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8560% | 4,311 |
| Cost of funding earning assets | 0.1395% | 4,386 |
| Net interest margin | 2.7164% | 3,928 |
| Noninterest income to average assets | 1.4071% | 673 |
| Noninterest expense to average assets | 2.3908% | 2,518 |
| Loan and lease loss provision to assets | -0.3380% | 4,879 |
| Net operating income to assets | 1.3979% | 1,581 |
| Return on assets (ROA) | 1.3838% | 1,693 |
| Pretax return on assets | 1.7725% | 1,347 |
| Return on Equity (ROE) | 11.5965% | 2,160 |
| Retained earnings to average equity (ytd only) | 11.5965% | 1,251 |
| Net charge-offs to loans | 0.2502% | 339 |
| Credit loss provision to net charge-offs | -243.3367% | 3,009 |
| Earnings coverage of net charge-offs (x) | 10.4129% | 1,500 |
| Efficiency ratio | 61.6311% | 2,815 |
| Assets per employee ($millions) | 10.3819% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 701 |
| Loan loss allowance to noncurrent loans | 173.3322% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 1,492 |
| Noncurrent loans to loans | 1.1142% | 1,201 |
| Net loans and leases to total assets | 54.5586% | 3,183 |
| Net loans and leases to deposits | 66.8038% | 2,833 |
| Net loans and leases to core deposits | 69.0921% | 2,957 |
| Total domestic deposits to total assets | 81.6151% | 3,968 |
| Equity capital to assets | 11.8541% | 1,357 |
| Core capital (leverage) ratio | 9.1877% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4103% | 2,116 |
| Memoranda: | ||
| Average total assets | $204,331,877,500 | 14 |
| Average earning assets | $183,243,694,000 | 15 |
| Average equity | $24,382,151,000 | 13 |
| Average total loans | $113,900,186,500 | 13 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3020% | 4,328 |
| Cost of funding earning assets | 0.3120% | 4,073 |
| Net interest margin | 2.9900% | 3,912 |
| Noninterest income to average assets | 1.3781% | 615 |
| Noninterest expense to average assets | 2.4541% | 2,980 |
| Loan and lease loss provision to assets | 0.5636% | 382 |
| Net operating income to assets | 0.7969% | 3,106 |
| Return on assets (ROA) | 0.8165% | 3,149 |
| Pretax return on assets | 1.0491% | 2,885 |
| Return on Equity (ROE) | 6.5230% | 3,397 |
| Retained earnings to average equity (ytd only) | 1.1563% | 4,164 |
| Net charge-offs to loans | 0.4110% | 413 |
| Credit loss provision to net charge-offs | 228.9354% | 2,026 |
| Earnings coverage of net charge-offs (x) | 6.4499% | 2,782 |
| Efficiency ratio | 60.0942% | 3,442 |
| Assets per employee ($millions) | 10.2375% | 489 |
| Cash dividends to net income (ytd only)* | 82.2736% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1611% | 442 |
| Loan loss allowance to noncurrent loans | 185.0767% | 2,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 1,580 |
| Noncurrent loans to loans | 1.1677% | 1,219 |
| Net loans and leases to total assets | 54.6466% | 3,427 |
| Net loans and leases to deposits | 67.1740% | 3,165 |
| Net loans and leases to core deposits | 69.5954% | 3,280 |
| Total domestic deposits to total assets | 81.2804% | 3,815 |
| Equity capital to assets | 12.0120% | 1,559 |
| Core capital (leverage) ratio | 8.8466% | 3,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1731% | 2,176 |
| Memoranda: | ||
| Average total assets | $191,296,961,600 | 15 |
| Average earning assets | $170,439,361,000 | 15 |
| Average equity | $23,944,025,600 | 13 |
| Average total loans | $114,587,393,200 | 12 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4215% | 4,325 |
| Cost of funding earning assets | 0.3661% | 3,970 |
| Net interest margin | 3.0554% | 3,846 |
| Noninterest income to average assets | 1.3713% | 586 |
| Noninterest expense to average assets | 2.4538% | 2,982 |
| Loan and lease loss provision to assets | 0.7658% | 254 |
| Net operating income to assets | 0.6753% | 3,539 |
| Return on assets (ROA) | 0.7012% | 3,557 |
| Pretax return on assets | 0.9021% | 3,378 |
| Return on Equity (ROE) | 5.5420% | 3,708 |
| Retained earnings to average equity (ytd only) | 0.7580% | 4,321 |
| Net charge-offs to loans | 0.4098% | 387 |
| Credit loss provision to net charge-offs | 306.3611% | 1,742 |
| Earnings coverage of net charge-offs (x) | 6.5411% | 2,642 |
| Efficiency ratio | 59.3831% | 3,470 |
| Assets per employee ($millions) | 9.8961% | 523 |
| Cash dividends to net income (ytd only)* | 86.3234% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2776% | 309 |
| Loan loss allowance to noncurrent loans | 199.4038% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 1,751 |
| Noncurrent loans to loans | 1.1422% | 1,328 |
| Net loans and leases to total assets | 55.0939% | 3,699 |
| Net loans and leases to deposits | 67.9191% | 3,472 |
| Net loans and leases to core deposits | 70.8323% | 3,566 |
| Total domestic deposits to total assets | 81.0372% | 3,654 |
| Equity capital to assets | 12.2059% | 1,571 |
| Core capital (leverage) ratio | 8.8513% | 3,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1442% | 2,133 |
| Memoranda: | ||
| Average total assets | $188,327,672,000 | 15 |
| Average earning assets | $167,505,351,000 | 15 |
| Average equity | $23,828,695,250 | 13 |
| Average total loans | $114,864,173,250 | 12 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6156% | 4,234 |
| Cost of funding earning assets | 0.4437% | 3,823 |
| Net interest margin | 3.1719% | 3,739 |
| Noninterest income to average assets | 1.3824% | 544 |
| Noninterest expense to average assets | 2.4958% | 2,970 |
| Loan and lease loss provision to assets | 1.1958% | 139 |
| Net operating income to assets | 0.4053% | 4,223 |
| Return on assets (ROA) | 0.4056% | 4,284 |
| Pretax return on assets | 0.5055% | 4,238 |
| Return on Equity (ROE) | 3.1652% | 4,310 |
| Retained earnings to average equity (ytd only) | -2.5936% | 4,629 |
| Net charge-offs to loans | 0.4366% | 365 |
| Credit loss provision to net charge-offs | 437.0373% | 1,331 |
| Earnings coverage of net charge-offs (x) | 6.2164% | 2,456 |
| Efficiency ratio | 58.8277% | 3,581 |
| Assets per employee ($millions) | 9.9098% | 508 |
| Cash dividends to net income (ytd only)* | 181.9422% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3255% | 277 |
| Loan loss allowance to noncurrent loans | 254.1185% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 2,164 |
| Noncurrent loans to loans | 0.9151% | 1,684 |
| Net loans and leases to total assets | 56.2443% | 3,665 |
| Net loans and leases to deposits | 69.6111% | 3,448 |
| Net loans and leases to core deposits | 72.9316% | 3,526 |
| Total domestic deposits to total assets | 80.7029% | 3,683 |
| Equity capital to assets | 11.9840% | 1,672 |
| Core capital (leverage) ratio | 8.8011% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6440% | 2,342 |
| Memoranda: | ||
| Average total assets | $184,285,409,333 | 15 |
| Average earning assets | $163,510,047,333 | 15 |
| Average equity | $23,615,821,667 | 13 |
| Average total loans | $115,481,504,000 | 12 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,879 |
| Cost of funding earning assets | 0.5873% | 3,497 |
| Net interest margin | 3.3805% | 3,360 |
| Noninterest income to average assets | 1.4658% | 421 |
| Noninterest expense to average assets | 2.6909% | 2,732 |
| Loan and lease loss provision to assets | 1.4216% | 115 |
| Net operating income to assets | 0.2745% | 4,403 |
| Return on assets (ROA) | 0.2719% | 4,431 |
| Pretax return on assets | 0.3338% | 4,399 |
| Return on Equity (ROE) | 2.0458% | 4,437 |
| Retained earnings to average equity (ytd only) | -4.2035% | 4,453 |
| Net charge-offs to loans | 0.4229% | 347 |
| Credit loss provision to net charge-offs | 512.6995% | 862 |
| Earnings coverage of net charge-offs (x) | 6.3424% | 1,992 |
| Efficiency ratio | 59.7962% | 3,762 |
| Assets per employee ($millions) | 9.1160% | 512 |
| Cash dividends to net income (ytd only)* | 305.4674% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9626% | 534 |
| Loan loss allowance to noncurrent loans | 219.7166% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6104% | 2,176 |
| Noncurrent loans to loans | 0.8933% | 1,827 |
| Net loans and leases to total assets | 63.8302% | 3,084 |
| Net loans and leases to deposits | 83.5011% | 2,285 |
| Net loans and leases to core deposits | 87.1010% | 2,588 |
| Total domestic deposits to total assets | 76.3461% | 4,440 |
| Equity capital to assets | 12.8918% | 1,494 |
| Core capital (leverage) ratio | 10.1566% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1707% | 2,629 |
| Memoranda: | ||
| Average total assets | $175,784,399,000 | 15 |
| Average earning assets | $155,156,776,500 | 16 |
| Average equity | $23,362,587,500 | 13 |
| Average total loans | $115,268,132,000 | 12 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 3,818 |
| Cost of funding earning assets | 0.7952% | 2,707 |
| Net interest margin | 3.4017% | 3,742 |
| Noninterest income to average assets | 2.0013% | 259 |
| Noninterest expense to average assets | 2.6483% | 3,033 |
| Loan and lease loss provision to assets | 0.2802% | 623 |
| Net operating income to assets | 1.6197% | 798 |
| Return on assets (ROA) | 1.6248% | 844 |
| Pretax return on assets | 2.0934% | 486 |
| Return on Equity (ROE) | 12.2866% | 1,402 |
| Retained earnings to average equity (ytd only) | 3.4458% | 3,283 |
| Net charge-offs to loans | 0.3348% | 618 |
| Credit loss provision to net charge-offs | 126.6976% | 2,011 |
| Earnings coverage of net charge-offs (x) | 10.7043% | 2,551 |
| Efficiency ratio | 52.3331% | 4,579 |
| Assets per employee ($millions) | 8.4595% | 604 |
| Cash dividends to net income (ytd only)* | 71.9550% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,045 |
| Loan loss allowance to noncurrent loans | 118.0488% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 1,987 |
| Noncurrent loans to loans | 0.9176% | 1,674 |
| Net loans and leases to total assets | 65.3673% | 3,031 |
| Net loans and leases to deposits | 82.8757% | 2,461 |
| Net loans and leases to core deposits | 87.0178% | 2,708 |
| Total domestic deposits to total assets | 78.7426% | 4,234 |
| Equity capital to assets | 13.7269% | 1,198 |
| Core capital (leverage) ratio | 10.3596% | 3,118 |
| Tier 1 risk-based capital ratio | 11.8552% | 4,448 |
| Total risk-based capital ratio | 13.4619% | 4,111 |
| Memoranda: | ||
| Average total assets | $167,221,974,800 | 15 |
| Average earning assets | $148,171,095,600 | 16 |
| Average equity | $22,113,284,200 | 14 |
| Average total loans | $110,457,890,600 | 12 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 3,985 |
| Cost of funding earning assets | 0.8219% | 2,608 |
| Net interest margin | 3.3508% | 3,986 |
| Noninterest income to average assets | 1.8765% | 295 |
| Noninterest expense to average assets | 2.6353% | 3,057 |
| Loan and lease loss provision to assets | 0.2365% | 711 |
| Net operating income to assets | 1.5420% | 1,083 |
| Return on assets (ROA) | 1.5441% | 1,132 |
| Pretax return on assets | 1.9805% | 718 |
| Return on Equity (ROE) | 11.7892% | 1,690 |
| Retained earnings to average equity (ytd only) | 2.5884% | 4,055 |
| Net charge-offs to loans | 0.3097% | 564 |
| Credit loss provision to net charge-offs | 115.6324% | 2,015 |
| Earnings coverage of net charge-offs (x) | 10.8262% | 2,476 |
| Efficiency ratio | 53.9221% | 4,406 |
| Assets per employee ($millions) | 8.7123% | 530 |
| Cash dividends to net income (ytd only)* | 78.0442% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,377 |
| Loan loss allowance to noncurrent loans | 126.7897% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 2,362 |
| Noncurrent loans to loans | 0.8150% | 1,935 |
| Net loans and leases to total assets | 64.5751% | 3,228 |
| Net loans and leases to deposits | 84.2714% | 2,425 |
| Net loans and leases to core deposits | 89.0954% | 2,627 |
| Total domestic deposits to total assets | 76.1993% | 4,625 |
| Equity capital to assets | 13.6424% | 1,296 |
| Core capital (leverage) ratio | 10.2614% | 3,352 |
| Tier 1 risk-based capital ratio | 11.7942% | 4,525 |
| Total risk-based capital ratio | 13.3693% | 4,250 |
| Memoranda: | ||
| Average total assets | $167,066,193,500 | 16 |
| Average earning assets | $148,240,400,250 | 17 |
| Average equity | $21,881,619,250 | 15 |
| Average total loans | $110,343,026,750 | 13 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 4,255 |
| Cost of funding earning assets | 0.8085% | 2,602 |
| Net interest margin | 3.2525% | 4,234 |
| Noninterest income to average assets | 1.9881% | 268 |
| Noninterest expense to average assets | 2.5856% | 3,224 |
| Loan and lease loss provision to assets | 0.2031% | 838 |
| Net operating income to assets | 1.6171% | 871 |
| Return on assets (ROA) | 1.6166% | 912 |
| Pretax return on assets | 2.0875% | 568 |
| Return on Equity (ROE) | 12.5197% | 1,401 |
| Retained earnings to average equity (ytd only) | 1.8992% | 4,146 |
| Net charge-offs to loans | 0.2837% | 594 |
| Credit loss provision to net charge-offs | 107.9163% | 1,863 |
| Earnings coverage of net charge-offs (x) | 12.1763% | 2,168 |
| Efficiency ratio | 52.7384% | 4,592 |
| Assets per employee ($millions) | 8.4716% | 565 |
| Cash dividends to net income (ytd only)* | 84.8302% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 3,568 |
| Loan loss allowance to noncurrent loans | 118.6305% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 2,267 |
| Noncurrent loans to loans | 0.8507% | 1,900 |
| Net loans and leases to total assets | 65.3878% | 3,180 |
| Net loans and leases to deposits | 84.0250% | 2,494 |
| Net loans and leases to core deposits | 89.1384% | 2,673 |
| Total domestic deposits to total assets | 77.7145% | 4,450 |
| Equity capital to assets | 13.4105% | 1,371 |
| Core capital (leverage) ratio | 10.5943% | 2,988 |
| Tier 1 risk-based capital ratio | 11.6699% | 4,598 |
| Total risk-based capital ratio | 13.2337% | 4,313 |
| Memoranda: | ||
| Average total assets | $166,258,431,670 | 16 |
| Average earning assets | $147,665,172,000 | 17 |
| Average equity | $21,468,024,000 | 15 |
| Average total loans | $110,260,440,670 | 13 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 3,448 |
| Cost of funding earning assets | 0.8642% | 2,185 |
| Net interest margin | 3.4694% | 3,682 |
| Noninterest income to average assets | 2.9333% | 150 |
| Noninterest expense to average assets | 2.7862% | 2,619 |
| Loan and lease loss provision to assets | 0.2470% | 591 |
| Net operating income to assets | 2.3340% | 214 |
| Return on assets (ROA) | 2.3321% | 225 |
| Pretax return on assets | 3.0230% | 125 |
| Return on Equity (ROE) | 19.1571% | 315 |
| Retained earnings to average equity (ytd only) | 10.3757% | 947 |
| Net charge-offs to loans | 0.3242% | 468 |
| Credit loss provision to net charge-offs | 115.4681% | 1,449 |
| Earnings coverage of net charge-offs (x) | 15.2976% | 1,746 |
| Efficiency ratio | 45.9235% | 5,035 |
| Assets per employee ($millions) | 8.3668% | 588 |
| Cash dividends to net income (ytd only)* | 45.8393% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 2,837 |
| Loan loss allowance to noncurrent loans | 150.1905% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 2,528 |
| Noncurrent loans to loans | 0.7670% | 2,112 |
| Net loans and leases to total assets | 64.9023% | 3,179 |
| Net loans and leases to deposits | 83.9368% | 2,394 |
| Net loans and leases to core deposits | 88.6931% | 2,616 |
| Total domestic deposits to total assets | 77.0147% | 4,649 |
| Equity capital to assets | 12.4049% | 1,798 |
| Core capital (leverage) ratio | 10.4919% | 3,059 |
| Tier 1 risk-based capital ratio | 12.2250% | 4,337 |
| Total risk-based capital ratio | 13.8648% | 3,968 |
| Memoranda: | ||
| Average total assets | $145,925,540,500 | 18 |
| Average earning assets | $131,447,062,000 | 19 |
| Average equity | $17,764,626,500 | 17 |
| Average total loans | $96,295,984,000 | 15 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 3,635 |
| Cost of funding earning assets | 0.6595% | 2,329 |
| Net interest margin | 3.4764% | 3,781 |
| Noninterest income to average assets | 1.9391% | 284 |
| Noninterest expense to average assets | 2.7775% | 2,763 |
| Loan and lease loss provision to assets | 0.1690% | 1,191 |
| Net operating income to assets | 1.6513% | 773 |
| Return on assets (ROA) | 1.6457% | 779 |
| Pretax return on assets | 2.1133% | 424 |
| Return on Equity (ROE) | 13.6856% | 1,135 |
| Retained earnings to average equity (ytd only) | 2.5042% | 4,143 |
| Net charge-offs to loans | 0.3518% | 539 |
| Credit loss provision to net charge-offs | 72.2543% | 2,962 |
| Earnings coverage of net charge-offs (x) | 9.7854% | 2,781 |
| Efficiency ratio | 54.7503% | 4,549 |
| Assets per employee ($millions) | 8.2924% | 601 |
| Cash dividends to net income (ytd only)* | 81.7022% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 2,822 |
| Loan loss allowance to noncurrent loans | 169.2386% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 2,660 |
| Noncurrent loans to loans | 0.6800% | 2,294 |
| Net loans and leases to total assets | 65.5644% | 3,192 |
| Net loans and leases to deposits | 83.7858% | 2,533 |
| Net loans and leases to core deposits | 87.1780% | 2,819 |
| Total domestic deposits to total assets | 78.0860% | 4,477 |
| Equity capital to assets | 11.9379% | 1,946 |
| Core capital (leverage) ratio | 10.2735% | 3,282 |
| Tier 1 risk-based capital ratio | 11.9276% | 4,475 |
| Total risk-based capital ratio | 13.5735% | 4,109 |
| Memoranda: | ||
| Average total assets | $140,561,933,200 | 17 |
| Average earning assets | $126,461,357,000 | 18 |
| Average equity | $16,902,953,400 | 16 |
| Average total loans | $93,474,380,800 | 15 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 3,766 |
| Cost of funding earning assets | 0.6111% | 2,399 |
| Net interest margin | 3.4456% | 3,872 |
| Noninterest income to average assets | 2.0458% | 266 |
| Noninterest expense to average assets | 2.8130% | 2,596 |
| Loan and lease loss provision to assets | 0.1366% | 1,465 |
| Net operating income to assets | 1.7211% | 709 |
| Return on assets (ROA) | 1.7149% | 722 |
| Pretax return on assets | 2.1910% | 401 |
| Return on Equity (ROE) | 14.2336% | 1,057 |
| Retained earnings to average equity (ytd only) | 4.0065% | 3,766 |
| Net charge-offs to loans | 0.3537% | 457 |
| Credit loss provision to net charge-offs | 58.0499% | 2,769 |
| Earnings coverage of net charge-offs (x) | 9.9221% | 2,615 |
| Efficiency ratio | 54.5734% | 4,553 |
| Assets per employee ($millions) | 8.0024% | 651 |
| Cash dividends to net income (ytd only)* | 71.8522% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 2,844 |
| Loan loss allowance to noncurrent loans | 150.8062% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 2,563 |
| Noncurrent loans to loans | 0.7693% | 2,164 |
| Net loans and leases to total assets | 66.3858% | 3,134 |
| Net loans and leases to deposits | 85.6603% | 2,400 |
| Net loans and leases to core deposits | 89.6446% | 2,690 |
| Total domestic deposits to total assets | 77.2860% | 4,602 |
| Equity capital to assets | 11.8908% | 1,978 |
| Core capital (leverage) ratio | 10.5589% | 3,021 |
| Tier 1 risk-based capital ratio | 12.2705% | 4,340 |
| Total risk-based capital ratio | 13.9396% | 3,985 |
| Memoranda: | ||
| Average total assets | $139,589,077,000 | 17 |
| Average earning assets | $125,702,505,000 | 18 |
| Average equity | $16,817,516,250 | 16 |
| Average total loans | $92,889,813,750 | 15 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 3,839 |
| Cost of funding earning assets | 0.5689% | 2,441 |
| Net interest margin | 3.4112% | 3,916 |
| Noninterest income to average assets | 2.3060% | 230 |
| Noninterest expense to average assets | 2.8375% | 2,550 |
| Loan and lease loss provision to assets | 0.0822% | 2,265 |
| Net operating income to assets | 1.9219% | 442 |
| Return on assets (ROA) | 1.9129% | 451 |
| Pretax return on assets | 2.4447% | 244 |
| Return on Equity (ROE) | 15.8082% | 708 |
| Retained earnings to average equity (ytd only) | 6.6229% | 2,250 |
| Net charge-offs to loans | 0.3783% | 417 |
| Credit loss provision to net charge-offs | 32.7520% | 2,615 |
| Earnings coverage of net charge-offs (x) | 10.1139% | 2,353 |
| Efficiency ratio | 52.7243% | 4,809 |
| Assets per employee ($millions) | 7.6605% | 719 |
| Cash dividends to net income (ytd only)* | 58.1044% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1623% | 2,917 |
| Loan loss allowance to noncurrent loans | 126.0867% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6418% | 2,302 |
| Noncurrent loans to loans | 0.9218% | 1,880 |
| Net loans and leases to total assets | 65.9273% | 3,164 |
| Net loans and leases to deposits | 84.3651% | 2,493 |
| Net loans and leases to core deposits | 88.2839% | 2,695 |
| Total domestic deposits to total assets | 77.9029% | 4,601 |
| Equity capital to assets | 12.1690% | 1,738 |
| Core capital (leverage) ratio | 10.6302% | 2,889 |
| Tier 1 risk-based capital ratio | 12.4290% | 4,229 |
| Total risk-based capital ratio | 14.1033% | 3,895 |
| Memoranda: | ||
| Average total assets | $139,456,632,330 | 17 |
| Average earning assets | $125,500,502,670 | 18 |
| Average equity | $16,874,849,330 | 16 |
| Average total loans | $92,512,421,670 | 15 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8728% | 4,010 |
| Cost of funding earning assets | 0.5163% | 2,665 |
| Net interest margin | 3.3565% | 4,032 |
| Noninterest income to average assets | 2.5367% | 195 |
| Noninterest expense to average assets | 2.8503% | 2,531 |
| Loan and lease loss provision to assets | 0.0689% | 2,387 |
| Net operating income to assets | 2.0280% | 351 |
| Return on assets (ROA) | 2.0101% | 367 |
| Pretax return on assets | 2.6127% | 182 |
| Return on Equity (ROE) | 16.6589% | 543 |
| Retained earnings to average equity (ytd only) | 8.9502% | 1,472 |
| Net charge-offs to loans | 0.3506% | 441 |
| Credit loss provision to net charge-offs | 29.6956% | 2,068 |
| Earnings coverage of net charge-offs (x) | 11.6576% | 1,835 |
| Efficiency ratio | 51.2665% | 5,011 |
| Assets per employee ($millions) | 7.6224% | 732 |
| Cash dividends to net income (ytd only)* | 46.2737% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,642 |
| Loan loss allowance to noncurrent loans | 126.2163% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6780% | 2,299 |
| Noncurrent loans to loans | 0.9734% | 1,872 |
| Net loans and leases to total assets | 65.5661% | 3,109 |
| Net loans and leases to deposits | 83.2034% | 2,482 |
| Net loans and leases to core deposits | 87.5761% | 2,670 |
| Total domestic deposits to total assets | 78.4511% | 4,657 |
| Equity capital to assets | 12.0770% | 1,727 |
| Core capital (leverage) ratio | 10.5115% | 2,929 |
| Tier 1 risk-based capital ratio | 12.3851% | 4,317 |
| Total risk-based capital ratio | 14.1476% | 3,897 |
| Memoranda: | ||
| Average total assets | $139,761,253,000 | 17 |
| Average earning assets | $125,653,139,000 | 18 |
| Average equity | $16,864,076,000 | 16 |
| Average total loans | $92,461,248,000 | 15 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6170% | 4,538 |
| Cost of funding earning assets | 0.4114% | 3,143 |
| Net interest margin | 3.2056% | 4,433 |
| Noninterest income to average assets | 2.2635% | 249 |
| Noninterest expense to average assets | 2.6837% | 3,184 |
| Loan and lease loss provision to assets | 0.1874% | 1,129 |
| Net operating income to assets | 1.6491% | 586 |
| Return on assets (ROA) | 1.6463% | 608 |
| Pretax return on assets | 2.2723% | 281 |
| Return on Equity (ROE) | 13.5207% | 846 |
| Retained earnings to average equity (ytd only) | -0.2941% | 5,081 |
| Net charge-offs to loans | 0.3236% | 782 |
| Credit loss provision to net charge-offs | 87.3602% | 2,830 |
| Earnings coverage of net charge-offs (x) | 11.4827% | 2,571 |
| Efficiency ratio | 52.1099% | 5,094 |
| Assets per employee ($millions) | 7.7498% | 695 |
| Cash dividends to net income (ytd only)* | 102.1748% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,250 |
| Loan loss allowance to noncurrent loans | 143.7652% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.6252% | 2,452 |
| Noncurrent loans to loans | 0.8995% | 1,978 |
| Net loans and leases to total assets | 65.0798% | 3,216 |
| Net loans and leases to deposits | 85.0018% | 2,368 |
| Net loans and leases to core deposits | 90.1719% | 2,554 |
| Total domestic deposits to total assets | 76.2171% | 4,954 |
| Equity capital to assets | 12.0557% | 1,793 |
| Core capital (leverage) ratio | 10.3196% | 3,051 |
| Tier 1 risk-based capital ratio | 12.0561% | 4,490 |
| Total risk-based capital ratio | 13.8790% | 4,019 |
| Memoranda: | ||
| Average total assets | $139,288,778,800 | 16 |
| Average earning assets | $125,303,855,800 | 16 |
| Average equity | $16,960,076,600 | 17 |
| Average total loans | $92,351,060,600 | 13 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5988% | 4,563 |
| Cost of funding earning assets | 0.3972% | 3,227 |
| Net interest margin | 3.2016% | 4,444 |
| Noninterest income to average assets | 2.4820% | 228 |
| Noninterest expense to average assets | 2.6692% | 3,170 |
| Loan and lease loss provision to assets | 0.1857% | 1,060 |
| Net operating income to assets | 1.6202% | 685 |
| Return on assets (ROA) | 1.6172% | 707 |
| Pretax return on assets | 2.5029% | 205 |
| Return on Equity (ROE) | 13.2485% | 1,000 |
| Retained earnings to average equity (ytd only) | 1.1313% | 4,936 |
| Net charge-offs to loans | 0.3214% | 654 |
| Credit loss provision to net charge-offs | 87.0455% | 2,495 |
| Earnings coverage of net charge-offs (x) | 12.6230% | 2,414 |
| Efficiency ratio | 49.7495% | 5,265 |
| Assets per employee ($millions) | 7.8875% | 655 |
| Cash dividends to net income (ytd only)* | 91.4610% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,349 |
| Loan loss allowance to noncurrent loans | 137.3903% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6560% | 2,537 |
| Noncurrent loans to loans | 0.9470% | 2,027 |
| Net loans and leases to total assets | 65.2067% | 3,215 |
| Net loans and leases to deposits | 86.8748% | 2,200 |
| Net loans and leases to core deposits | 92.4950% | 2,396 |
| Total domestic deposits to total assets | 74.6229% | 5,169 |
| Equity capital to assets | 12.2649% | 1,798 |
| Core capital (leverage) ratio | 10.5005% | 2,987 |
| Tier 1 risk-based capital ratio | 12.3028% | 4,432 |
| Total risk-based capital ratio | 14.1402% | 3,992 |
| Memoranda: | ||
| Average total assets | $139,091,549,250 | 16 |
| Average earning assets | $125,141,685,500 | 16 |
| Average equity | $16,978,245,250 | 17 |
| Average total loans | $92,349,657,750 | 13 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5491% | 4,636 |
| Cost of funding earning assets | 0.3799% | 3,291 |
| Net interest margin | 3.1692% | 4,498 |
| Noninterest income to average assets | 1.5057% | 478 |
| Noninterest expense to average assets | 2.6779% | 3,169 |
| Loan and lease loss provision to assets | 0.1827% | 1,033 |
| Net operating income to assets | 0.9836% | 2,512 |
| Return on assets (ROA) | 0.9810% | 2,570 |
| Pretax return on assets | 1.4901% | 1,689 |
| Return on Equity (ROE) | 8.0499% | 3,001 |
| Retained earnings to average equity (ytd only) | 1.2392% | 4,753 |
| Net charge-offs to loans | 0.3350% | 603 |
| Credit loss provision to net charge-offs | 82.0223% | 2,239 |
| Earnings coverage of net charge-offs (x) | 7.5264% | 2,597 |
| Efficiency ratio | 61.4653% | 4,089 |
| Assets per employee ($millions) | 7.8383% | 661 |
| Cash dividends to net income (ytd only)* | 84.6057% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,373 |
| Loan loss allowance to noncurrent loans | 123.2350% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 2,367 |
| Noncurrent loans to loans | 1.0612% | 1,852 |
| Net loans and leases to total assets | 65.5216% | 3,179 |
| Net loans and leases to deposits | 85.9734% | 2,228 |
| Net loans and leases to core deposits | 92.3126% | 2,314 |
| Total domestic deposits to total assets | 75.5664% | 5,140 |
| Equity capital to assets | 12.3160% | 1,721 |
| Core capital (leverage) ratio | 10.5030% | 2,912 |
| Tier 1 risk-based capital ratio | 12.2389% | 4,470 |
| Total risk-based capital ratio | 14.0805% | 4,010 |
| Memoranda: | ||
| Average total assets | $138,792,676,000 | 16 |
| Average earning assets | $124,772,118,000 | 16 |
| Average equity | $16,914,521,330 | 17 |
| Average total loans | $92,304,534,670 | 13 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5187% | 4,641 |
| Cost of funding earning assets | 0.3615% | 3,396 |
| Net interest margin | 3.1572% | 4,478 |
| Noninterest income to average assets | 1.4447% | 516 |
| Noninterest expense to average assets | 2.7202% | 3,067 |
| Loan and lease loss provision to assets | 0.2140% | 753 |
| Net operating income to assets | 0.9000% | 2,764 |
| Return on assets (ROA) | 0.8974% | 2,825 |
| Pretax return on assets | 1.3408% | 2,095 |
| Return on Equity (ROE) | 7.4027% | 3,211 |
| Retained earnings to average equity (ytd only) | 0.0115% | 4,910 |
| Net charge-offs to loans | 0.3903% | 469 |
| Credit loss provision to net charge-offs | 82.3843% | 1,745 |
| Earnings coverage of net charge-offs (x) | 5.9997% | 2,244 |
| Efficiency ratio | 63.5493% | 3,910 |
| Assets per employee ($millions) | 7.7855% | 675 |
| Cash dividends to net income (ytd only)* | 99.8453% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 2,437 |
| Loan loss allowance to noncurrent loans | 114.4126% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 2,273 |
| Noncurrent loans to loans | 1.1538% | 1,761 |
| Net loans and leases to total assets | 65.9132% | 2,987 |
| Net loans and leases to deposits | 84.6322% | 2,205 |
| Net loans and leases to core deposits | 90.2388% | 2,332 |
| Total domestic deposits to total assets | 77.5038% | 5,040 |
| Equity capital to assets | 12.2245% | 1,697 |
| Core capital (leverage) ratio | 10.4129% | 2,998 |
| Tier 1 risk-based capital ratio | 12.1722% | 4,605 |
| Total risk-based capital ratio | 14.0270% | 4,110 |
| Memoranda: | ||
| Average total assets | $138,840,047,000 | 16 |
| Average earning assets | $124,636,850,500 | 17 |
| Average equity | $16,830,755,000 | 17 |
| Average total loans | $92,416,168,500 | 13 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3868% | 5,007 |
| Cost of funding earning assets | 0.3258% | 3,789 |
| Net interest margin | 3.0610% | 4,820 |
| Noninterest income to average assets | 1.8706% | 371 |
| Noninterest expense to average assets | 2.6634% | 3,477 |
| Loan and lease loss provision to assets | 0.2411% | 881 |
| Net operating income to assets | 1.1361% | 1,744 |
| Return on assets (ROA) | 1.1396% | 1,829 |
| Pretax return on assets | 1.7082% | 983 |
| Return on Equity (ROE) | 9.1846% | 2,323 |
| Retained earnings to average equity (ytd only) | -1.6684% | 5,505 |
| Net charge-offs to loans | 0.3828% | 703 |
| Credit loss provision to net charge-offs | 94.0234% | 2,726 |
| Earnings coverage of net charge-offs (x) | 7.5804% | 3,003 |
| Efficiency ratio | 57.7822% | 4,878 |
| Assets per employee ($millions) | 7.8557% | 644 |
| Cash dividends to net income (ytd only)* | 118.1656% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 2,385 |
| Loan loss allowance to noncurrent loans | 115.2944% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.8135% | 2,315 |
| Noncurrent loans to loans | 1.1523% | 1,779 |
| Net loans and leases to total assets | 65.4529% | 3,150 |
| Net loans and leases to deposits | 85.1330% | 2,292 |
| Net loans and leases to core deposits | 90.8464% | 2,420 |
| Total domestic deposits to total assets | 76.4312% | 5,191 |
| Equity capital to assets | 12.0217% | 1,783 |
| Core capital (leverage) ratio | 10.2969% | 3,112 |
| Tier 1 risk-based capital ratio | 11.9217% | 4,782 |
| Total risk-based capital ratio | 13.7593% | 4,260 |
| Memoranda: | ||
| Average total assets | $140,049,384,200 | 17 |
| Average earning assets | $125,215,051,000 | 17 |
| Average equity | $17,377,638,000 | 16 |
| Average total loans | $93,816,211,600 | 12 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3834% | 5,061 |
| Cost of funding earning assets | 0.3186% | 3,887 |
| Net interest margin | 3.0648% | 4,865 |
| Noninterest income to average assets | 1.9162% | 368 |
| Noninterest expense to average assets | 2.6707% | 3,427 |
| Loan and lease loss provision to assets | 0.2700% | 661 |
| Net operating income to assets | 1.1417% | 1,843 |
| Return on assets (ROA) | 1.1487% | 1,916 |
| Pretax return on assets | 1.7250% | 1,049 |
| Return on Equity (ROE) | 9.1864% | 2,405 |
| Retained earnings to average equity (ytd only) | -0.2192% | 5,397 |
| Net charge-offs to loans | 0.4060% | 528 |
| Credit loss provision to net charge-offs | 99.0384% | 2,399 |
| Earnings coverage of net charge-offs (x) | 7.2798% | 2,897 |
| Efficiency ratio | 57.3435% | 4,916 |
| Assets per employee ($millions) | 7.8111% | 633 |
| Cash dividends to net income (ytd only)* | 102.3857% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,533 |
| Loan loss allowance to noncurrent loans | 117.6200% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 2,497 |
| Noncurrent loans to loans | 1.1302% | 1,993 |
| Net loans and leases to total assets | 65.9431% | 3,131 |
| Net loans and leases to deposits | 88.5212% | 1,949 |
| Net loans and leases to core deposits | 95.1016% | 2,092 |
| Total domestic deposits to total assets | 73.8820% | 5,448 |
| Equity capital to assets | 12.5936% | 1,717 |
| Core capital (leverage) ratio | 10.4591% | 3,037 |
| Tier 1 risk-based capital ratio | 11.9808% | 4,800 |
| Total risk-based capital ratio | 13.8171% | 4,341 |
| Memoranda: | ||
| Average total assets | $140,117,688,250 | 17 |
| Average earning assets | $125,225,286,750 | 17 |
| Average equity | $17,521,170,750 | 16 |
| Average total loans | $94,090,395,250 | 12 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3786% | 5,129 |
| Cost of funding earning assets | 0.3075% | 4,044 |
| Net interest margin | 3.0711% | 4,919 |
| Noninterest income to average assets | 1.6970% | 435 |
| Noninterest expense to average assets | 2.6857% | 3,439 |
| Loan and lease loss provision to assets | 0.2912% | 625 |
| Net operating income to assets | 0.9698% | 2,524 |
| Return on assets (ROA) | 0.9781% | 2,627 |
| Pretax return on assets | 1.4738% | 1,758 |
| Return on Equity (ROE) | 7.8408% | 3,066 |
| Retained earnings to average equity (ytd only) | -1.1208% | 5,451 |
| Net charge-offs to loans | 0.3824% | 599 |
| Credit loss provision to net charge-offs | 113.1976% | 1,938 |
| Earnings coverage of net charge-offs (x) | 6.8124% | 2,700 |
| Efficiency ratio | 60.4881% | 4,581 |
| Assets per employee ($millions) | 7.8807% | 598 |
| Cash dividends to net income (ytd only)* | 114.2946% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 2,537 |
| Loan loss allowance to noncurrent loans | 120.2400% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 2,519 |
| Noncurrent loans to loans | 1.1222% | 2,052 |
| Net loans and leases to total assets | 66.1737% | 3,054 |
| Net loans and leases to deposits | 88.5439% | 1,913 |
| Net loans and leases to core deposits | 95.3255% | 2,036 |
| Total domestic deposits to total assets | 73.8500% | 5,528 |
| Equity capital to assets | 12.5929% | 1,714 |
| Core capital (leverage) ratio | 10.3693% | 3,114 |
| Tier 1 risk-based capital ratio | 11.8251% | 4,957 |
| Total risk-based capital ratio | 13.6676% | 4,493 |
| Memoranda: | ||
| Average total assets | $139,899,781,670 | 17 |
| Average earning assets | $124,862,975,000 | 17 |
| Average equity | $17,452,168,000 | 16 |
| Average total loans | $94,093,960,670 | 12 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3843% | 5,160 |
| Cost of funding earning assets | 0.2910% | 4,269 |
| Net interest margin | 3.0932% | 4,880 |
| Noninterest income to average assets | 1.7616% | 404 |
| Noninterest expense to average assets | 2.6968% | 3,430 |
| Loan and lease loss provision to assets | 0.3403% | 441 |
| Net operating income to assets | 0.9759% | 2,389 |
| Return on assets (ROA) | 0.9830% | 2,472 |
| Pretax return on assets | 1.4907% | 1,626 |
| Return on Equity (ROE) | 7.9182% | 2,962 |
| Retained earnings to average equity (ytd only) | -3.7627% | 5,534 |
| Net charge-offs to loans | 0.4118% | 550 |
| Credit loss provision to net charge-offs | 122.7028% | 1,426 |
| Earnings coverage of net charge-offs (x) | 6.5625% | 2,233 |
| Efficiency ratio | 59.6752% | 4,792 |
| Assets per employee ($millions) | 7.7099% | 634 |
| Cash dividends to net income (ytd only)* | 147.5193% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 2,639 |
| Loan loss allowance to noncurrent loans | 116.5092% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.8671% | 2,526 |
| Noncurrent loans to loans | 1.1612% | 2,082 |
| Net loans and leases to total assets | 66.4431% | 2,883 |
| Net loans and leases to deposits | 87.9151% | 1,837 |
| Net loans and leases to core deposits | 94.3181% | 1,961 |
| Total domestic deposits to total assets | 75.0220% | 5,520 |
| Equity capital to assets | 12.4806% | 1,695 |
| Core capital (leverage) ratio | 10.3851% | 3,088 |
| Tier 1 risk-based capital ratio | 11.7854% | 5,057 |
| Total risk-based capital ratio | 13.6280% | 4,567 |
| Memoranda: | ||
| Average total assets | $139,293,513,500 | 16 |
| Average earning assets | $124,079,598,000 | 17 |
| Average equity | $17,293,163,500 | 16 |
| Average total loans | $93,812,706,000 | 12 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3290% | 5,297 |
| Cost of funding earning assets | 0.2604% | 4,685 |
| Net interest margin | 3.0686% | 4,980 |
| Noninterest income to average assets | 2.0907% | 340 |
| Noninterest expense to average assets | 2.6092% | 3,889 |
| Loan and lease loss provision to assets | 0.2811% | 643 |
| Net operating income to assets | 1.2461% | 1,395 |
| Return on assets (ROA) | 1.2516% | 1,436 |
| Pretax return on assets | 1.9294% | 626 |
| Return on Equity (ROE) | 10.2890% | 1,885 |
| Retained earnings to average equity (ytd only) | 4.1081% | 3,081 |
| Net charge-offs to loans | 0.4788% | 563 |
| Credit loss provision to net charge-offs | 87.4195% | 2,805 |
| Earnings coverage of net charge-offs (x) | 6.8491% | 3,163 |
| Efficiency ratio | 54.2002% | 5,508 |
| Assets per employee ($millions) | 7.6107% | 656 |
| Cash dividends to net income (ytd only)* | 60.0727% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 2,699 |
| Loan loss allowance to noncurrent loans | 135.0874% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 2,760 |
| Noncurrent loans to loans | 0.9939% | 2,351 |
| Net loans and leases to total assets | 66.4393% | 2,919 |
| Net loans and leases to deposits | 85.6806% | 2,167 |
| Net loans and leases to core deposits | 91.6148% | 2,263 |
| Total domestic deposits to total assets | 76.9617% | 5,320 |
| Equity capital to assets | 12.3486% | 1,705 |
| Core capital (leverage) ratio | 10.4331% | 3,015 |
| Tier 1 risk-based capital ratio | 11.9245% | 5,004 |
| Total risk-based capital ratio | 13.1205% | 4,939 |
| Memoranda: | ||
| Average total assets | $138,327,269,800 | 15 |
| Average earning assets | $122,637,398,600 | 17 |
| Average equity | $16,826,063,200 | 16 |
| Average total loans | $92,876,318,400 | 12 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3122% | 5,385 |
| Cost of funding earning assets | 0.2583% | 4,787 |
| Net interest margin | 3.0539% | 5,066 |
| Noninterest income to average assets | 1.7480% | 433 |
| Noninterest expense to average assets | 2.5887% | 3,918 |
| Loan and lease loss provision to assets | 0.2872% | 538 |
| Net operating income to assets | 1.0247% | 2,355 |
| Return on assets (ROA) | 1.0320% | 2,409 |
| Pretax return on assets | 1.5864% | 1,425 |
| Return on Equity (ROE) | 8.5162% | 2,818 |
| Retained earnings to average equity (ytd only) | 2.3085% | 4,733 |
| Net charge-offs to loans | 0.5256% | 453 |
| Credit loss provision to net charge-offs | 81.4492% | 2,590 |
| Earnings coverage of net charge-offs (x) | 5.2815% | 3,226 |
| Efficiency ratio | 58.1242% | 5,106 |
| Assets per employee ($millions) | 7.6160% | 647 |
| Cash dividends to net income (ytd only)* | 72.8924% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 3,012 |
| Loan loss allowance to noncurrent loans | 143.1661% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7286% | 3,087 |
| Noncurrent loans to loans | 0.9183% | 2,681 |
| Net loans and leases to total assets | 66.8259% | 2,874 |
| Net loans and leases to deposits | 88.5954% | 1,823 |
| Net loans and leases to core deposits | 95.5234% | 1,931 |
| Total domestic deposits to total assets | 74.6101% | 5,649 |
| Equity capital to assets | 12.2038% | 1,959 |
| Core capital (leverage) ratio | 10.2141% | 3,357 |
| Tier 1 risk-based capital ratio | 11.3852% | 5,436 |
| Total risk-based capital ratio | 12.5530% | 5,389 |
| Memoranda: | ||
| Average total assets | $138,253,928,500 | 15 |
| Average earning assets | $122,369,674,250 | 15 |
| Average equity | $16,753,148,000 | 16 |
| Average total loans | $92,757,414,500 | 12 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2846% | 5,466 |
| Cost of funding earning assets | 0.2613% | 4,814 |
| Net interest margin | 3.0232% | 5,169 |
| Noninterest income to average assets | 1.6401% | 492 |
| Noninterest expense to average assets | 2.5879% | 3,944 |
| Loan and lease loss provision to assets | 0.2051% | 954 |
| Net operating income to assets | 0.9788% | 2,503 |
| Return on assets (ROA) | 0.9861% | 2,574 |
| Pretax return on assets | 1.5311% | 1,554 |
| Return on Equity (ROE) | 8.1576% | 2,962 |
| Retained earnings to average equity (ytd only) | 1.5568% | 4,923 |
| Net charge-offs to loans | 0.3844% | 678 |
| Credit loss provision to net charge-offs | 79.7894% | 2,337 |
| Earnings coverage of net charge-offs (x) | 6.7087% | 2,748 |
| Efficiency ratio | 59.9707% | 4,986 |
| Assets per employee ($millions) | 7.5161% | 666 |
| Cash dividends to net income (ytd only)* | 80.9165% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 2,923 |
| Loan loss allowance to noncurrent loans | 143.4853% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.7542% | 3,127 |
| Noncurrent loans to loans | 0.9488% | 2,752 |
| Net loans and leases to total assets | 66.2769% | 2,901 |
| Net loans and leases to deposits | 86.6850% | 1,981 |
| Net loans and leases to core deposits | 93.1810% | 2,043 |
| Total domestic deposits to total assets | 75.6825% | 5,636 |
| Equity capital to assets | 11.9200% | 2,090 |
| Core capital (leverage) ratio | 10.1427% | 3,406 |
| Tier 1 risk-based capital ratio | 11.2576% | 5,596 |
| Total risk-based capital ratio | 12.4568% | 5,540 |
| Memoranda: | ||
| Average total assets | $137,853,270,670 | 15 |
| Average earning assets | $121,864,107,670 | 15 |
| Average equity | $16,664,569,330 | 16 |
| Average total loans | $92,198,466,000 | 12 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2461% | 5,562 |
| Cost of funding earning assets | 0.2702% | 4,784 |
| Net interest margin | 2.9759% | 5,280 |
| Noninterest income to average assets | 1.7748% | 424 |
| Noninterest expense to average assets | 2.5663% | 4,044 |
| Loan and lease loss provision to assets | 0.1987% | 934 |
| Net operating income to assets | 1.0662% | 1,980 |
| Return on assets (ROA) | 1.0727% | 2,082 |
| Pretax return on assets | 1.6446% | 1,166 |
| Return on Equity (ROE) | 8.8113% | 2,541 |
| Retained earnings to average equity (ytd only) | 2.2235% | 4,573 |
| Net charge-offs to loans | 0.3979% | 616 |
| Credit loss provision to net charge-offs | 74.8525% | 1,882 |
| Earnings coverage of net charge-offs (x) | 6.9052% | 2,233 |
| Efficiency ratio | 58.2946% | 5,302 |
| Assets per employee ($millions) | 7.4728% | 682 |
| Cash dividends to net income (ytd only)* | 74.7650% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 2,911 |
| Loan loss allowance to noncurrent loans | 131.1502% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 2,965 |
| Noncurrent loans to loans | 1.0684% | 2,628 |
| Net loans and leases to total assets | 65.5935% | 2,839 |
| Net loans and leases to deposits | 84.7165% | 1,983 |
| Net loans and leases to core deposits | 87.4249% | 2,384 |
| Total domestic deposits to total assets | 76.5792% | 5,677 |
| Equity capital to assets | 12.1953% | 1,897 |
| Core capital (leverage) ratio | 10.2998% | 3,214 |
| Tier 1 risk-based capital ratio | 11.3610% | 5,626 |
| Total risk-based capital ratio | 12.5845% | 5,552 |
| Memoranda: | ||
| Average total assets | $137,154,892,000 | 14 |
| Average earning assets | $120,974,219,500 | 15 |
| Average equity | $16,697,584,000 | 16 |
| Average total loans | $91,515,508,500 | 12 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6261% | 5,012 |
| Cost of funding earning assets | 0.2514% | 5,307 |
| Net interest margin | 3.3746% | 4,305 |
| Noninterest income to average assets | 1.7484% | 420 |
| Noninterest expense to average assets | 2.7252% | 3,769 |
| Loan and lease loss provision to assets | 0.2427% | 965 |
| Net operating income to assets | 1.1387% | 1,821 |
| Return on assets (ROA) | 1.1488% | 1,843 |
| Pretax return on assets | 1.7619% | 863 |
| Return on Equity (ROE) | 9.2661% | 2,459 |
| Retained earnings to average equity (ytd only) | 2.5099% | 4,451 |
| Net charge-offs to loans | 0.6339% | 617 |
| Credit loss provision to net charge-offs | 55.1802% | 3,375 |
| Earnings coverage of net charge-offs (x) | 4.5222% | 3,631 |
| Efficiency ratio | 57.7363% | 5,490 |
| Assets per employee ($millions) | 7.4263% | 684 |
| Cash dividends to net income (ytd only)* | 72.9136% | 1,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 2,766 |
| Loan loss allowance to noncurrent loans | 119.6323% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9628% | 2,835 |
| Noncurrent loans to loans | 1.2005% | 2,449 |
| Net loans and leases to total assets | 65.9642% | 2,889 |
| Net loans and leases to deposits | 85.3537% | 2,055 |
| Net loans and leases to core deposits | 88.7177% | 2,418 |
| Total domestic deposits to total assets | 76.1764% | 5,708 |
| Equity capital to assets | 12.1530% | 1,902 |
| Core capital (leverage) ratio | 10.4879% | 2,958 |
| Tier 1 risk-based capital ratio | 11.7468% | 5,517 |
| Total risk-based capital ratio | 12.8652% | 5,512 |
| Memoranda: | ||
| Average total assets | $130,610,147,800 | 14 |
| Average earning assets | $114,792,144,400 | 14 |
| Average equity | $16,192,405,200 | 16 |
| Average total loans | $90,626,180,000 | 12 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6785% | 4,917 |
| Cost of funding earning assets | 0.2379% | 5,532 |
| Net interest margin | 3.4405% | 4,062 |
| Noninterest income to average assets | 1.7257% | 436 |
| Noninterest expense to average assets | 2.7767% | 3,555 |
| Loan and lease loss provision to assets | 0.2239% | 1,017 |
| Net operating income to assets | 1.1365% | 1,911 |
| Return on assets (ROA) | 1.1473% | 1,933 |
| Pretax return on assets | 1.7630% | 957 |
| Return on Equity (ROE) | 9.2065% | 2,583 |
| Retained earnings to average equity (ytd only) | 2.8381% | 4,579 |
| Net charge-offs to loans | 0.5657% | 663 |
| Credit loss provision to net charge-offs | 56.5058% | 3,004 |
| Earnings coverage of net charge-offs (x) | 4.9731% | 3,344 |
| Efficiency ratio | 58.4234% | 5,389 |
| Assets per employee ($millions) | 7.1246% | 767 |
| Cash dividends to net income (ytd only)* | 69.1728% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 2,561 |
| Loan loss allowance to noncurrent loans | 131.6063% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9911% | 2,971 |
| Noncurrent loans to loans | 1.1678% | 2,727 |
| Net loans and leases to total assets | 68.0656% | 2,527 |
| Net loans and leases to deposits | 89.0828% | 1,544 |
| Net loans and leases to core deposits | 93.3680% | 1,927 |
| Total domestic deposits to total assets | 74.9418% | 5,932 |
| Equity capital to assets | 12.4025% | 1,770 |
| Core capital (leverage) ratio | 10.6798% | 2,836 |
| Tier 1 risk-based capital ratio | 11.7633% | 5,633 |
| Total risk-based capital ratio | 12.8864% | 5,632 |
| Memoranda: | ||
| Average total assets | $129,192,855,500 | 16 |
| Average earning assets | $113,448,778,750 | 15 |
| Average equity | $16,100,005,250 | 18 |
| Average total loans | $90,481,365,750 | 13 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6898% | 4,890 |
| Cost of funding earning assets | 0.2276% | 5,680 |
| Net interest margin | 3.4622% | 3,926 |
| Noninterest income to average assets | 1.8797% | 380 |
| Noninterest expense to average assets | 2.8631% | 3,296 |
| Loan and lease loss provision to assets | 0.2273% | 1,010 |
| Net operating income to assets | 1.1867% | 1,632 |
| Return on assets (ROA) | 1.1989% | 1,661 |
| Pretax return on assets | 1.8444% | 766 |
| Return on Equity (ROE) | 9.6047% | 2,323 |
| Retained earnings to average equity (ytd only) | 3.6859% | 3,846 |
| Net charge-offs to loans | 0.5964% | 675 |
| Credit loss provision to net charge-offs | 54.1640% | 2,731 |
| Earnings coverage of net charge-offs (x) | 4.8926% | 3,026 |
| Efficiency ratio | 58.1700% | 5,535 |
| Assets per employee ($millions) | 6.9499% | 817 |
| Cash dividends to net income (ytd only)* | 61.6238% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 2,518 |
| Loan loss allowance to noncurrent loans | 134.9943% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 1.0306% | 3,010 |
| Noncurrent loans to loans | 1.1753% | 2,882 |
| Net loans and leases to total assets | 68.8129% | 2,275 |
| Net loans and leases to deposits | 90.0874% | 1,365 |
| Net loans and leases to core deposits | 94.8283% | 1,698 |
| Total domestic deposits to total assets | 75.0353% | 6,019 |
| Equity capital to assets | 12.5681% | 1,605 |
| Core capital (leverage) ratio | 10.7242% | 2,693 |
| Tier 1 risk-based capital ratio | 11.6853% | 5,700 |
| Total risk-based capital ratio | 12.8118% | 5,719 |
| Memoranda: | ||
| Average total assets | $128,315,079,330 | 15 |
| Average earning assets | $112,530,347,670 | 15 |
| Average equity | $16,016,742,670 | 18 |
| Average total loans | $90,265,554,330 | 13 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6996% | 4,852 |
| Cost of funding earning assets | 0.2167% | 5,871 |
| Net interest margin | 3.4829% | 3,771 |
| Noninterest income to average assets | 1.6177% | 470 |
| Noninterest expense to average assets | 2.8696% | 3,314 |
| Loan and lease loss provision to assets | 0.2170% | 1,050 |
| Net operating income to assets | 1.0333% | 2,071 |
| Return on assets (ROA) | 1.0457% | 2,096 |
| Pretax return on assets | 1.5990% | 1,177 |
| Return on Equity (ROE) | 8.4073% | 2,733 |
| Retained earnings to average equity (ytd only) | 3.0046% | 4,310 |
| Net charge-offs to loans | 0.7474% | 467 |
| Credit loss provision to net charge-offs | 41.1482% | 2,291 |
| Earnings coverage of net charge-offs (x) | 3.4074% | 2,689 |
| Efficiency ratio | 61.4155% | 5,216 |
| Assets per employee ($millions) | 6.6735% | 940 |
| Cash dividends to net income (ytd only)* | 64.2616% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 2,594 |
| Loan loss allowance to noncurrent loans | 124.6684% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 2,946 |
| Noncurrent loans to loans | 1.3040% | 2,847 |
| Net loans and leases to total assets | 69.8019% | 1,932 |
| Net loans and leases to deposits | 88.8876% | 1,264 |
| Net loans and leases to core deposits | 94.8307% | 1,482 |
| Total domestic deposits to total assets | 76.7696% | 5,992 |
| Equity capital to assets | 12.5424% | 1,548 |
| Core capital (leverage) ratio | 10.7839% | 2,617 |
| Tier 1 risk-based capital ratio | 11.5527% | 5,884 |
| Total risk-based capital ratio | 12.6808% | 5,905 |
| Memoranda: | ||
| Average total assets | $127,379,473,000 | 15 |
| Average earning assets | $111,505,862,000 | 15 |
| Average equity | $15,844,131,500 | 18 |
| Average total loans | $89,883,710,500 | 13 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9045% | 4,443 |
| Cost of funding earning assets | 0.2211% | 6,171 |
| Net interest margin | 3.6834% | 3,122 |
| Noninterest income to average assets | 2.4624% | 285 |
| Noninterest expense to average assets | 3.1380% | 2,622 |
| Loan and lease loss provision to assets | 0.1825% | 2,022 |
| Net operating income to assets | 1.5257% | 778 |
| Return on assets (ROA) | 1.5412% | 796 |
| Pretax return on assets | 2.3779% | 236 |
| Return on Equity (ROE) | 12.1776% | 1,365 |
| Retained earnings to average equity (ytd only) | 6.5938% | 1,632 |
| Net charge-offs to loans | 0.5616% | 1,170 |
| Credit loss provision to net charge-offs | 44.5077% | 3,950 |
| Earnings coverage of net charge-offs (x) | 6.1872% | 3,111 |
| Efficiency ratio | 55.1822% | 6,031 |
| Assets per employee ($millions) | 6.5529% | 965 |
| Cash dividends to net income (ytd only)* | 45.8525% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7532% | 2,227 |
| Loan loss allowance to noncurrent loans | 126.8183% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2095% | 2,979 |
| Noncurrent loans to loans | 1.3824% | 2,825 |
| Net loans and leases to total assets | 68.9422% | 2,185 |
| Net loans and leases to deposits | 86.0019% | 1,685 |
| Net loans and leases to core deposits | 93.8860% | 1,612 |
| Total domestic deposits to total assets | 78.3844% | 5,768 |
| Equity capital to assets | 12.3347% | 1,603 |
| Core capital (leverage) ratio | 10.7379% | 2,639 |
| Tier 1 risk-based capital ratio | 11.4977% | 5,908 |
| Total risk-based capital ratio | 12.7230% | 5,862 |
| Memoranda: | ||
| Average total assets | $121,558,548,400 | 15 |
| Average earning assets | $106,004,351,000 | 15 |
| Average equity | $15,384,036,200 | 19 |
| Average total loans | $88,738,349,400 | 13 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9409% | 4,344 |
| Cost of funding earning assets | 0.2243% | 6,268 |
| Net interest margin | 3.7166% | 2,967 |
| Noninterest income to average assets | 2.5962% | 282 |
| Noninterest expense to average assets | 3.1899% | 2,399 |
| Loan and lease loss provision to assets | 0.1862% | 1,956 |
| Net operating income to assets | 1.5827% | 772 |
| Return on assets (ROA) | 1.6031% | 789 |
| Pretax return on assets | 2.4908% | 246 |
| Return on Equity (ROE) | 12.5821% | 1,337 |
| Retained earnings to average equity (ytd only) | 7.4670% | 1,658 |
| Net charge-offs to loans | 0.5276% | 1,221 |
| Credit loss provision to net charge-offs | 47.8528% | 3,562 |
| Earnings coverage of net charge-offs (x) | 6.7976% | 2,906 |
| Efficiency ratio | 54.5460% | 6,053 |
| Assets per employee ($millions) | 6.0528% | 1,204 |
| Cash dividends to net income (ytd only)* | 40.6541% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8791% | 2,064 |
| Loan loss allowance to noncurrent loans | 126.4918% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.3258% | 2,988 |
| Noncurrent loans to loans | 1.4855% | 2,938 |
| Net loans and leases to total assets | 70.7647% | 1,825 |
| Net loans and leases to deposits | 89.4574% | 1,221 |
| Net loans and leases to core deposits | 98.4267% | 1,211 |
| Total domestic deposits to total assets | 77.7764% | 5,937 |
| Equity capital to assets | 12.7878% | 1,432 |
| Core capital (leverage) ratio | 11.0532% | 2,429 |
| Tier 1 risk-based capital ratio | 11.6187% | 6,002 |
| Total risk-based capital ratio | 12.8951% | 5,944 |
| Memoranda: | ||
| Average total assets | $120,091,103,250 | 15 |
| Average earning assets | $104,654,366,750 | 15 |
| Average equity | $15,300,554,250 | 19 |
| Average total loans | $88,568,052,750 | 13 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9624% | 4,253 |
| Cost of funding earning assets | 0.2273% | 6,324 |
| Net interest margin | 3.7351% | 2,820 |
| Noninterest income to average assets | 2.8142% | 275 |
| Noninterest expense to average assets | 3.2746% | 2,142 |
| Loan and lease loss provision to assets | 0.1958% | 1,941 |
| Net operating income to assets | 1.6611% | 674 |
| Return on assets (ROA) | 1.6857% | 698 |
| Pretax return on assets | 2.6367% | 228 |
| Return on Equity (ROE) | 13.2479% | 1,181 |
| Retained earnings to average equity (ytd only) | 10.3351% | 773 |
| Net charge-offs to loans | 0.5459% | 1,208 |
| Credit loss provision to net charge-offs | 48.2660% | 3,249 |
| Earnings coverage of net charge-offs (x) | 6.8878% | 2,633 |
| Efficiency ratio | 53.8368% | 6,159 |
| Assets per employee ($millions) | 5.8487% | 1,307 |
| Cash dividends to net income (ytd only)* | 21.9867% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9307% | 2,019 |
| Loan loss allowance to noncurrent loans | 116.4903% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 1.4772% | 2,889 |
| Noncurrent loans to loans | 1.6574% | 2,828 |
| Net loans and leases to total assets | 72.5850% | 1,463 |
| Net loans and leases to deposits | 90.7602% | 1,077 |
| Net loans and leases to core deposits | 100.2701% | 1,053 |
| Total domestic deposits to total assets | 78.4510% | 5,886 |
| Equity capital to assets | 12.8980% | 1,384 |
| Core capital (leverage) ratio | 11.1058% | 2,256 |
| Tier 1 risk-based capital ratio | 11.7716% | 5,939 |
| Total risk-based capital ratio | 13.0501% | 5,865 |
| Memoranda: | ||
| Average total assets | $119,253,154,330 | 15 |
| Average earning assets | $103,904,367,670 | 15 |
| Average equity | $15,174,594,330 | 19 |
| Average total loans | $88,616,556,330 | 13 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9914% | 4,155 |
| Cost of funding earning assets | 0.2250% | 6,442 |
| Net interest margin | 3.7664% | 2,584 |
| Noninterest income to average assets | 2.2813% | 359 |
| Noninterest expense to average assets | 3.2132% | 2,313 |
| Loan and lease loss provision to assets | 0.1762% | 2,106 |
| Net operating income to assets | 1.3761% | 1,083 |
| Return on assets (ROA) | 1.4125% | 1,092 |
| Pretax return on assets | 2.2406% | 382 |
| Return on Equity (ROE) | 11.1776% | 1,648 |
| Retained earnings to average equity (ytd only) | 5.2857% | 3,063 |
| Net charge-offs to loans | 0.5918% | 1,031 |
| Credit loss provision to net charge-offs | 39.9789% | 2,750 |
| Earnings coverage of net charge-offs (x) | 5.3554% | 2,372 |
| Efficiency ratio | 57.5167% | 5,901 |
| Assets per employee ($millions) | 5.7080% | 1,476 |
| Cash dividends to net income (ytd only)* | 52.7119% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0015% | 2,040 |
| Loan loss allowance to noncurrent loans | 114.2342% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 1.5726% | 2,906 |
| Noncurrent loans to loans | 1.7521% | 2,930 |
| Net loans and leases to total assets | 73.0218% | 1,200 |
| Net loans and leases to deposits | 90.7254% | 904 |
| Net loans and leases to core deposits | 97.4511% | 1,119 |
| Total domestic deposits to total assets | 79.4191% | 5,891 |
| Equity capital to assets | 12.7443% | 1,565 |
| Core capital (leverage) ratio | 10.6613% | 2,583 |
| Tier 1 risk-based capital ratio | 11.4718% | 6,201 |
| Total risk-based capital ratio | 12.7525% | 6,156 |
| Memoranda: | ||
| Average total assets | $118,728,669,000 | 16 |
| Average earning assets | $103,765,487,500 | 15 |
| Average equity | $15,003,597,500 | 19 |
| Average total loans | $88,404,624,000 | 13 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 4,294 |
| Cost of funding earning assets | 0.2974% | 6,466 |
| Net interest margin | 3.9791% | 2,480 |
| Noninterest income to average assets | 2.4143% | 331 |
| Noninterest expense to average assets | 3.4104% | 2,022 |
| Loan and lease loss provision to assets | 0.2595% | 2,572 |
| Net operating income to assets | 1.4263% | 1,055 |
| Return on assets (ROA) | 1.4347% | 1,159 |
| Pretax return on assets | 2.2078% | 404 |
| Return on Equity (ROE) | 10.6221% | 1,932 |
| Retained earnings to average equity (ytd only) | -1.9725% | 6,151 |
| Net charge-offs to loans | 0.8290% | 1,400 |
| Credit loss provision to net charge-offs | 42.4220% | 4,884 |
| Earnings coverage of net charge-offs (x) | 4.0131% | 3,514 |
| Efficiency ratio | 57.9572% | 5,838 |
| Assets per employee ($millions) | 5.7242% | 1,499 |
| Cash dividends to net income (ytd only)* | 118.5701% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0822% | 1,813 |
| Loan loss allowance to noncurrent loans | 112.3399% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.6481% | 2,924 |
| Noncurrent loans to loans | 1.8535% | 2,855 |
| Net loans and leases to total assets | 72.8566% | 1,363 |
| Net loans and leases to deposits | 92.9873% | 828 |
| Net loans and leases to core deposits | 97.1058% | 1,216 |
| Total domestic deposits to total assets | 77.3562% | 6,183 |
| Equity capital to assets | 12.5301% | 1,687 |
| Core capital (leverage) ratio | 10.6964% | 2,548 |
| Tier 1 risk-based capital ratio | 11.2401% | 6,252 |
| Total risk-based capital ratio | 12.6244% | 6,149 |
| Memoranda: | ||
| Average total assets | $115,161,600,200 | 17 |
| Average earning assets | $99,865,832,000 | 16 |
| Average equity | $15,554,270,400 | 19 |
| Average total loans | $84,962,246,800 | 13 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 4,331 |
| Cost of funding earning assets | 0.3080% | 6,572 |
| Net interest margin | 4.0224% | 2,408 |
| Noninterest income to average assets | 2.2832% | 349 |
| Noninterest expense to average assets | 3.2640% | 2,371 |
| Loan and lease loss provision to assets | 0.2648% | 2,460 |
| Net operating income to assets | 1.4415% | 1,141 |
| Return on assets (ROA) | 1.4531% | 1,247 |
| Pretax return on assets | 2.2544% | 439 |
| Return on Equity (ROE) | 10.5594% | 2,110 |
| Retained earnings to average equity (ytd only) | 3.8138% | 4,202 |
| Net charge-offs to loans | 0.8838% | 1,236 |
| Credit loss provision to net charge-offs | 40.7012% | 4,600 |
| Earnings coverage of net charge-offs (x) | 3.8442% | 3,493 |
| Efficiency ratio | 56.4085% | 6,002 |
| Assets per employee ($millions) | 5.5095% | 1,627 |
| Cash dividends to net income (ytd only)* | 63.8823% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2658% | 1,590 |
| Loan loss allowance to noncurrent loans | 108.7548% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 1.8518% | 2,862 |
| Noncurrent loans to loans | 2.0834% | 2,759 |
| Net loans and leases to total assets | 72.2925% | 1,503 |
| Net loans and leases to deposits | 94.4258% | 756 |
| Net loans and leases to core deposits | 98.3999% | 1,234 |
| Total domestic deposits to total assets | 75.3912% | 6,469 |
| Equity capital to assets | 13.7524% | 1,253 |
| Core capital (leverage) ratio | 11.5101% | 1,981 |
| Tier 1 risk-based capital ratio | 12.2630% | 5,798 |
| Total risk-based capital ratio | 13.6536% | 5,672 |
| Memoranda: | ||
| Average total assets | $114,189,122,250 | 17 |
| Average earning assets | $98,845,668,000 | 16 |
| Average equity | $15,713,524,000 | 19 |
| Average total loans | $84,057,462,000 | 13 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 4,389 |
| Cost of funding earning assets | 0.3175% | 6,657 |
| Net interest margin | 4.0287% | 2,388 |
| Noninterest income to average assets | 2.3488% | 320 |
| Noninterest expense to average assets | 3.2328% | 2,487 |
| Loan and lease loss provision to assets | 0.2822% | 2,322 |
| Net operating income to assets | 1.4783% | 1,032 |
| Return on assets (ROA) | 1.4897% | 1,129 |
| Pretax return on assets | 2.3399% | 385 |
| Return on Equity (ROE) | 10.8233% | 2,055 |
| Retained earnings to average equity (ytd only) | 10.8233% | 777 |
| Net charge-offs to loans | 0.9550% | 1,158 |
| Credit loss provision to net charge-offs | 40.2119% | 4,258 |
| Earnings coverage of net charge-offs (x) | 3.7107% | 3,297 |
| Efficiency ratio | 55.1600% | 6,210 |
| Assets per employee ($millions) | 5.4857% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3913% | 1,428 |
| Loan loss allowance to noncurrent loans | 103.6209% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.9882% | 2,791 |
| Noncurrent loans to loans | 2.3078% | 2,595 |
| Net loans and leases to total assets | 71.6225% | 1,625 |
| Net loans and leases to deposits | 92.8330% | 860 |
| Net loans and leases to core deposits | 96.8629% | 1,363 |
| Total domestic deposits to total assets | 75.9144% | 6,475 |
| Equity capital to assets | 14.0709% | 1,068 |
| Core capital (leverage) ratio | 11.8314% | 1,699 |
| Tier 1 risk-based capital ratio | 12.6957% | 5,418 |
| Total risk-based capital ratio | 14.0918% | 5,277 |
| Memoranda: | ||
| Average total assets | $114,073,028,000 | 17 |
| Average earning assets | $98,769,723,000 | 16 |
| Average equity | $15,700,827,000 | 19 |
| Average total loans | $83,836,119,000 | 12 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 4,385 |
| Cost of funding earning assets | 0.3268% | 6,742 |
| Net interest margin | 4.0590% | 2,262 |
| Noninterest income to average assets | 2.5083% | 301 |
| Noninterest expense to average assets | 3.2657% | 2,398 |
| Loan and lease loss provision to assets | 0.3187% | 1,967 |
| Net operating income to assets | 1.5721% | 912 |
| Return on assets (ROA) | 1.5874% | 989 |
| Pretax return on assets | 2.4628% | 351 |
| Return on Equity (ROE) | 11.6643% | 1,785 |
| Retained earnings to average equity (ytd only) | 11.6643% | 887 |
| Net charge-offs to loans | 1.0483% | 993 |
| Credit loss provision to net charge-offs | 41.3383% | 3,433 |
| Earnings coverage of net charge-offs (x) | 3.5764% | 2,800 |
| Efficiency ratio | 53.9894% | 6,350 |
| Assets per employee ($millions) | 5.3669% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5382% | 1,299 |
| Loan loss allowance to noncurrent loans | 104.8327% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 2.1131% | 2,765 |
| Noncurrent loans to loans | 2.4212% | 2,686 |
| Net loans and leases to total assets | 71.5716% | 1,473 |
| Net loans and leases to deposits | 90.4694% | 924 |
| Net loans and leases to core deposits | 94.4559% | 1,423 |
| Total domestic deposits to total assets | 77.8420% | 6,284 |
| Equity capital to assets | 13.8134% | 1,084 |
| Core capital (leverage) ratio | 11.6061% | 1,830 |
| Tier 1 risk-based capital ratio | 12.3991% | 5,688 |
| Total risk-based capital ratio | 13.7998% | 5,531 |
| Memoranda: | ||
| Average total assets | $113,816,665,000 | 17 |
| Average earning assets | $98,563,881,000 | 16 |
| Average equity | $15,489,634,000 | 19 |
| Average total loans | $83,714,275,000 | 11 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 5,036 |
| Cost of funding earning assets | 0.4803% | 6,613 |
| Net interest margin | 4.0293% | 2,735 |
| Noninterest income to average assets | 2.0855% | 353 |
| Noninterest expense to average assets | 3.3171% | 2,468 |
| Loan and lease loss provision to assets | 0.3803% | 2,720 |
| Net operating income to assets | 1.1911% | 1,529 |
| Return on assets (ROA) | 1.2239% | 1,554 |
| Pretax return on assets | 1.9018% | 659 |
| Return on Equity (ROE) | 8.6298% | 2,620 |
| Retained earnings to average equity (ytd only) | -4.4495% | 6,403 |
| Net charge-offs to loans | 1.4571% | 1,112 |
| Credit loss provision to net charge-offs | 35.8048% | 5,699 |
| Earnings coverage of net charge-offs (x) | 2.1003% | 4,201 |
| Efficiency ratio | 59.4289% | 5,839 |
| Assets per employee ($millions) | 5.3353% | 1,798 |
| Cash dividends to net income (ytd only)* | 151.5598% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6833% | 1,091 |
| Loan loss allowance to noncurrent loans | 105.5910% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 2.2489% | 2,679 |
| Noncurrent loans to loans | 2.5412% | 2,587 |
| Net loans and leases to total assets | 71.6915% | 1,697 |
| Net loans and leases to deposits | 90.9828% | 1,055 |
| Net loans and leases to core deposits | 97.1891% | 1,396 |
| Total domestic deposits to total assets | 75.7108% | 6,522 |
| Equity capital to assets | 13.4052% | 1,317 |
| Core capital (leverage) ratio | 11.2999% | 2,037 |
| Tier 1 risk-based capital ratio | 12.0331% | 5,815 |
| Total risk-based capital ratio | 13.5533% | 5,587 |
| Memoranda: | ||
| Average total assets | $110,354,381,400 | 17 |
| Average earning assets | $94,828,175,800 | 17 |
| Average equity | $15,650,749,600 | 19 |
| Average total loans | $80,438,375,200 | 12 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5749% | 4,982 |
| Cost of funding earning assets | 0.5219% | 6,615 |
| Net interest margin | 4.0530% | 2,682 |
| Noninterest income to average assets | 2.1397% | 347 |
| Noninterest expense to average assets | 3.2830% | 2,547 |
| Loan and lease loss provision to assets | 0.4451% | 2,246 |
| Net operating income to assets | 1.2050% | 1,639 |
| Return on assets (ROA) | 1.2487% | 1,622 |
| Pretax return on assets | 1.9577% | 681 |
| Return on Equity (ROE) | 8.6808% | 2,752 |
| Retained earnings to average equity (ytd only) | -5.6521% | 6,629 |
| Net charge-offs to loans | 1.5623% | 910 |
| Credit loss provision to net charge-offs | 39.1895% | 5,269 |
| Earnings coverage of net charge-offs (x) | 2.0557% | 4,118 |
| Efficiency ratio | 58.0583% | 6,002 |
| Assets per employee ($millions) | 5.3125% | 1,799 |
| Cash dividends to net income (ytd only)* | 165.1108% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0081% | 858 |
| Loan loss allowance to noncurrent loans | 104.3828% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 2.4718% | 2,602 |
| Noncurrent loans to loans | 2.8818% | 2,425 |
| Net loans and leases to total assets | 69.8106% | 2,110 |
| Net loans and leases to deposits | 91.9153% | 1,019 |
| Net loans and leases to core deposits | 98.2079% | 1,409 |
| Total domestic deposits to total assets | 72.9159% | 6,864 |
| Equity capital to assets | 13.6452% | 1,309 |
| Core capital (leverage) ratio | 11.4380% | 2,070 |
| Tier 1 risk-based capital ratio | 12.2512% | 5,702 |
| Total risk-based capital ratio | 14.0354% | 5,248 |
| Memoranda: | ||
| Average total assets | $109,487,133,750 | 18 |
| Average earning assets | $93,949,487,500 | 17 |
| Average equity | $15,748,862,000 | 18 |
| Average total loans | $79,585,059,500 | 12 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 4,896 |
| Cost of funding earning assets | 0.5471% | 6,678 |
| Net interest margin | 4.0704% | 2,532 |
| Noninterest income to average assets | 2.1360% | 334 |
| Noninterest expense to average assets | 3.2608% | 2,699 |
| Loan and lease loss provision to assets | 0.5150% | 1,901 |
| Net operating income to assets | 1.1689% | 1,666 |
| Return on assets (ROA) | 1.1890% | 1,703 |
| Pretax return on assets | 1.8856% | 732 |
| Return on Equity (ROE) | 8.1216% | 2,893 |
| Retained earnings to average equity (ytd only) | 0.4528% | 5,667 |
| Net charge-offs to loans | 1.6961% | 849 |
| Credit loss provision to net charge-offs | 41.6328% | 4,789 |
| Earnings coverage of net charge-offs (x) | 1.9152% | 3,905 |
| Efficiency ratio | 57.4931% | 6,231 |
| Assets per employee ($millions) | 5.1596% | 1,922 |
| Cash dividends to net income (ytd only)* | 94.4248% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3022% | 702 |
| Loan loss allowance to noncurrent loans | 109.1060% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 2.6696% | 2,503 |
| Noncurrent loans to loans | 3.0266% | 2,394 |
| Net loans and leases to total assets | 70.7197% | 2,065 |
| Net loans and leases to deposits | 92.3007% | 1,018 |
| Net loans and leases to core deposits | 101.7018% | 1,193 |
| Total domestic deposits to total assets | 71.7008% | 7,027 |
| Equity capital to assets | 14.7031% | 890 |
| Core capital (leverage) ratio | 12.3346% | 1,435 |
| Tier 1 risk-based capital ratio | 13.2644% | 4,717 |
| Total risk-based capital ratio | 15.0615% | 4,273 |
| Memoranda: | ||
| Average total assets | $108,491,013,670 | 19 |
| Average earning assets | $93,131,727,000 | 19 |
| Average equity | $15,882,631,000 | 19 |
| Average total loans | $79,128,416,330 | 13 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 4,737 |
| Cost of funding earning assets | 0.5634% | 6,748 |
| Net interest margin | 4.0890% | 2,309 |
| Noninterest income to average assets | 1.9873% | 357 |
| Noninterest expense to average assets | 3.2875% | 2,604 |
| Loan and lease loss provision to assets | 0.6105% | 1,406 |
| Net operating income to assets | 1.0361% | 2,046 |
| Return on assets (ROA) | 1.0643% | 2,013 |
| Pretax return on assets | 1.6394% | 1,105 |
| Return on Equity (ROE) | 7.2858% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.2858% | 2,028 |
| Net charge-offs to loans | 1.8570% | 694 |
| Credit loss provision to net charge-offs | 45.1353% | 3,850 |
| Earnings coverage of net charge-offs (x) | 1.6313% | 3,497 |
| Efficiency ratio | 59.3569% | 6,073 |
| Assets per employee ($millions) | 5.2019% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5597% | 579 |
| Loan loss allowance to noncurrent loans | 115.4982% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 2.7117% | 2,541 |
| Noncurrent loans to loans | 3.0821% | 2,436 |
| Net loans and leases to total assets | 70.0080% | 2,128 |
| Net loans and leases to deposits | 89.9157% | 1,241 |
| Net loans and leases to core deposits | 99.7100% | 1,363 |
| Total domestic deposits to total assets | 72.8294% | 7,011 |
| Equity capital to assets | 14.7642% | 820 |
| Core capital (leverage) ratio | 12.4446% | 1,350 |
| Tier 1 risk-based capital ratio | 13.5434% | 4,399 |
| Total risk-based capital ratio | 15.3426% | 3,985 |
| Memoranda: | ||
| Average total assets | $108,681,958,000 | 19 |
| Average earning assets | $93,205,539,500 | 19 |
| Average equity | $15,876,258,000 | 18 |
| Average total loans | $79,159,914,000 | 13 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 5,382 |
| Cost of funding earning assets | 0.7567% | 6,715 |
| Net interest margin | 4.0506% | 2,804 |
| Noninterest income to average assets | 2.3312% | 310 |
| Noninterest expense to average assets | 3.3815% | 2,487 |
| Loan and lease loss provision to assets | 1.3913% | 1,081 |
| Net operating income to assets | 0.6909% | 3,265 |
| Return on assets (ROA) | 0.7245% | 3,256 |
| Pretax return on assets | 1.0861% | 2,635 |
| Return on Equity (ROE) | 4.8826% | 4,119 |
| Retained earnings to average equity (ytd only) | -3.6517% | 6,173 |
| Net charge-offs to loans | 2.9517% | 566 |
| Credit loss provision to net charge-offs | 66.0500% | 5,954 |
| Earnings coverage of net charge-offs (x) | 1.1523% | 4,959 |
| Efficiency ratio | 57.5383% | 6,389 |
| Assets per employee ($millions) | 5.2295% | 1,823 |
| Cash dividends to net income (ytd only)* | 174.7911% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7702% | 483 |
| Loan loss allowance to noncurrent loans | 118.8359% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 2.7825% | 2,512 |
| Noncurrent loans to loans | 3.1726% | 2,396 |
| Net loans and leases to total assets | 70.3240% | 2,457 |
| Net loans and leases to deposits | 90.1489% | 1,505 |
| Net loans and leases to core deposits | 100.6234% | 1,566 |
| Total domestic deposits to total assets | 71.7434% | 7,106 |
| Equity capital to assets | 14.4526% | 914 |
| Core capital (leverage) ratio | 12.0394% | 1,518 |
| Tier 1 risk-based capital ratio | 13.0668% | 4,552 |
| Total risk-based capital ratio | 14.9823% | 4,014 |
| Memoranda: | ||
| Average total assets | $110,546,424,000 | 19 |
| Average earning assets | $94,904,632,600 | 19 |
| Average equity | $16,404,378,200 | 17 |
| Average total loans | $78,888,606,600 | 13 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8261% | 5,558 |
| Cost of funding earning assets | 0.7993% | 6,766 |
| Net interest margin | 4.0268% | 2,970 |
| Noninterest income to average assets | 2.3699% | 299 |
| Noninterest expense to average assets | 3.3497% | 2,432 |
| Loan and lease loss provision to assets | 1.6455% | 781 |
| Net operating income to assets | 0.5718% | 3,998 |
| Return on assets (ROA) | 0.5917% | 4,075 |
| Pretax return on assets | 0.8631% | 3,691 |
| Return on Equity (ROE) | 3.9619% | 4,803 |
| Retained earnings to average equity (ytd only) | 3.9619% | 3,694 |
| Net charge-offs to loans | 3.3404% | 423 |
| Credit loss provision to net charge-offs | 69.4373% | 5,435 |
| Earnings coverage of net charge-offs (x) | 1.0464% | 5,013 |
| Efficiency ratio | 56.7718% | 6,447 |
| Assets per employee ($millions) | 5.3320% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0554% | 354 |
| Loan loss allowance to noncurrent loans | 112.8179% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 3.0240% | 2,402 |
| Noncurrent loans to loans | 3.5946% | 2,180 |
| Net loans and leases to total assets | 68.4948% | 3,101 |
| Net loans and leases to deposits | 90.2651% | 1,692 |
| Net loans and leases to core deposits | 100.8091% | 1,767 |
| Total domestic deposits to total assets | 70.4812% | 7,249 |
| Equity capital to assets | 15.3790% | 800 |
| Core capital (leverage) ratio | 13.0551% | 1,207 |
| Tier 1 risk-based capital ratio | 14.4154% | 3,562 |
| Total risk-based capital ratio | 16.3588% | 3,182 |
| Memoranda: | ||
| Average total assets | $110,940,114,500 | 19 |
| Average earning assets | $95,311,028,250 | 19 |
| Average equity | $16,568,166,500 | 17 |
| Average total loans | $78,701,840,250 | 13 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 5,681 |
| Cost of funding earning assets | 0.8301% | 6,818 |
| Net interest margin | 4.0003% | 3,014 |
| Noninterest income to average assets | 2.0981% | 331 |
| Noninterest expense to average assets | 3.3035% | 2,550 |
| Loan and lease loss provision to assets | 1.6435% | 787 |
| Net operating income to assets | 0.4151% | 4,686 |
| Return on assets (ROA) | 0.4448% | 4,721 |
| Pretax return on assets | 0.6330% | 4,464 |
| Return on Equity (ROE) | 3.0081% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.0081% | 4,210 |
| Net charge-offs to loans | 2.5807% | 653 |
| Credit loss provision to net charge-offs | 89.9618% | 4,427 |
| Earnings coverage of net charge-offs (x) | 1.2228% | 4,586 |
| Efficiency ratio | 58.8982% | 6,245 |
| Assets per employee ($millions) | 5.3726% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7114% | 216 |
| Loan loss allowance to noncurrent loans | 113.1186% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 3.3778% | 2,081 |
| Noncurrent loans to loans | 4.1650% | 1,790 |
| Net loans and leases to total assets | 67.8462% | 3,404 |
| Net loans and leases to deposits | 88.5437% | 2,086 |
| Net loans and leases to core deposits | 98.6680% | 2,156 |
| Total domestic deposits to total assets | 71.6577% | 7,213 |
| Equity capital to assets | 15.1745% | 842 |
| Core capital (leverage) ratio | 12.7036% | 1,325 |
| Tier 1 risk-based capital ratio | 14.1716% | 3,616 |
| Total risk-based capital ratio | 16.1147% | 3,204 |
| Memoranda: | ||
| Average total assets | $111,187,811,000 | 19 |
| Average earning assets | $95,599,207,330 | 19 |
| Average equity | $16,441,811,000 | 16 |
| Average total loans | $78,712,589,000 | 13 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8608% | 5,640 |
| Cost of funding earning assets | 0.8483% | 6,945 |
| Net interest margin | 4.0125% | 2,825 |
| Noninterest income to average assets | 2.1034% | 320 |
| Noninterest expense to average assets | 3.3223% | 2,460 |
| Loan and lease loss provision to assets | 2.1111% | 523 |
| Net operating income to assets | 0.1267% | 5,939 |
| Return on assets (ROA) | 0.1703% | 5,911 |
| Pretax return on assets | 0.1625% | 5,989 |
| Return on Equity (ROE) | 1.1667% | 6,075 |
| Retained earnings to average equity (ytd only) | 1.1667% | 5,351 |
| Net charge-offs to loans | 2.9538% | 522 |
| Credit loss provision to net charge-offs | 101.2464% | 3,355 |
| Earnings coverage of net charge-offs (x) | 1.0695% | 4,123 |
| Efficiency ratio | 59.0544% | 6,332 |
| Assets per employee ($millions) | 5.5295% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8110% | 199 |
| Loan loss allowance to noncurrent loans | 105.8731% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 3.5997% | 1,948 |
| Noncurrent loans to loans | 4.5441% | 1,637 |
| Net loans and leases to total assets | 67.8620% | 3,422 |
| Net loans and leases to deposits | 87.8516% | 2,246 |
| Net loans and leases to core deposits | 97.4159% | 2,402 |
| Total domestic deposits to total assets | 73.0350% | 7,155 |
| Equity capital to assets | 14.7370% | 943 |
| Core capital (leverage) ratio | 12.3675% | 1,462 |
| Tier 1 risk-based capital ratio | 13.8254% | 3,781 |
| Total risk-based capital ratio | 15.7566% | 3,343 |
| Memoranda: | ||
| Average total assets | $111,768,576,000 | 19 |
| Average earning assets | $96,066,424,500 | 18 |
| Average equity | $16,314,754,000 | 16 |
| Average total loans | $78,899,138,500 | 14 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 7,200 |
| Cost of funding earning assets | 1.0683% | 7,060 |
| Net interest margin | 3.5893% | 4,588 |
| Noninterest income to average assets | 3.7726% | 179 |
| Noninterest expense to average assets | 3.0758% | 3,851 |
| Loan and lease loss provision to assets | 2.9270% | 606 |
| Net operating income to assets | 0.6609% | 3,095 |
| Return on assets (ROA) | 0.6980% | 3,012 |
| Pretax return on assets | 0.8876% | 2,961 |
| Return on Equity (ROE) | 5.6397% | 3,360 |
| Retained earnings to average equity (ytd only) | 5.6397% | 1,508 |
| Net charge-offs to loans | 3.1029% | 663 |
| Credit loss provision to net charge-offs | 137.2378% | 3,589 |
| Earnings coverage of net charge-offs (x) | 1.7665% | 4,400 |
| Efficiency ratio | 44.2524% | 7,769 |
| Assets per employee ($millions) | 5.3689% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7556% | 203 |
| Loan loss allowance to noncurrent loans | 96.6099% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 3.7069% | 1,797 |
| Noncurrent loans to loans | 4.9224% | 1,385 |
| Net loans and leases to total assets | 66.5790% | 4,019 |
| Net loans and leases to deposits | 86.3016% | 2,857 |
| Net loans and leases to core deposits | 99.8017% | 4,023 |
| Total domestic deposits to total assets | 72.7784% | 7,175 |
| Equity capital to assets | 14.4592% | 1,035 |
| Core capital (leverage) ratio | 12.6519% | 1,373 |
| Tier 1 risk-based capital ratio | 13.2877% | 3,955 |
| Total risk-based capital ratio | 15.2774% | 3,436 |
| Memoranda: | ||
| Average total assets | $121,012,387,000 | 18 |
| Average earning assets | $103,531,359,000 | 16 |
| Average equity | $14,977,378,800 | 16 |
| Average total loans | $83,178,414,800 | 14 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 7,383 |
| Cost of funding earning assets | 1.1266% | 7,107 |
| Net interest margin | 3.4960% | 4,876 |
| Noninterest income to average assets | 4.2758% | 154 |
| Noninterest expense to average assets | 3.0116% | 4,000 |
| Loan and lease loss provision to assets | 2.9961% | 495 |
| Net operating income to assets | 0.9607% | 2,194 |
| Return on assets (ROA) | 1.0079% | 2,093 |
| Pretax return on assets | 1.3217% | 1,903 |
| Return on Equity (ROE) | 8.4697% | 2,462 |
| Retained earnings to average equity (ytd only) | 8.4697% | 988 |
| Net charge-offs to loans | 2.9633% | 573 |
| Credit loss provision to net charge-offs | 147.6693% | 3,276 |
| Earnings coverage of net charge-offs (x) | 2.0975% | 4,249 |
| Efficiency ratio | 40.7799% | 7,910 |
| Assets per employee ($millions) | 5.3114% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5741% | 200 |
| Loan loss allowance to noncurrent loans | 85.0557% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 4.2128% | 1,488 |
| Noncurrent loans to loans | 5.3778% | 1,181 |
| Net loans and leases to total assets | 70.2940% | 3,441 |
| Net loans and leases to deposits | 93.4410% | 1,979 |
| Net loans and leases to core deposits | 110.0121% | 3,235 |
| Total domestic deposits to total assets | 70.6797% | 7,358 |
| Equity capital to assets | 15.0350% | 995 |
| Core capital (leverage) ratio | 12.7082% | 1,495 |
| Tier 1 risk-based capital ratio | 13.2253% | 4,034 |
| Total risk-based capital ratio | 15.1930% | 3,532 |
| Memoranda: | ||
| Average total assets | $123,081,457,500 | 19 |
| Average earning assets | $105,314,864,500 | 17 |
| Average equity | $14,646,524,750 | 17 |
| Average total loans | $84,271,468,250 | 14 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6625% | 7,441 |
| Cost of funding earning assets | 1.0899% | 7,396 |
| Net interest margin | 3.5725% | 4,485 |
| Noninterest income to average assets | 9.1162% | 78 |
| Noninterest expense to average assets | 4.0669% | 1,231 |
| Loan and lease loss provision to assets | 2.0634% | 777 |
| Net operating income to assets | 4.0516% | 36 |
| Return on assets (ROA) | 4.1591% | 34 |
| Pretax return on assets | 6.1509% | 31 |
| Return on Equity (ROE) | 47.6472% | 18 |
| Retained earnings to average equity (ytd only) | 47.6472% | 10 |
| Net charge-offs to loans | 1.9060% | 981 |
| Credit loss provision to net charge-offs | 167.1456% | 2,747 |
| Earnings coverage of net charge-offs (x) | 6.5260% | 2,599 |
| Efficiency ratio | 33.2280% | 8,089 |
| Assets per employee ($millions) | 4.9111% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4651% | 388 |
| Loan loss allowance to noncurrent loans | 123.1834% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 2.1042% | 3,055 |
| Noncurrent loans to loans | 2.8130% | 2,558 |
| Net loans and leases to total assets | 65.9781% | 4,567 |
| Net loans and leases to deposits | 99.4661% | 1,338 |
| Net loans and leases to core deposits | 143.1495% | 881 |
| Total domestic deposits to total assets | 49.4548% | 8,063 |
| Equity capital to assets | 10.4646% | 3,448 |
| Core capital (leverage) ratio | 9.8090% | 3,510 |
| Tier 1 risk-based capital ratio | 11.3147% | 5,575 |
| Total risk-based capital ratio | 14.0045% | 4,234 |
| Memoranda: | ||
| Average total assets | $67,506,342,330 | 26 |
| Average earning assets | $56,819,900,330 | 31 |
| Average equity | $5,892,521,000 | 34 |
| Average total loans | $43,722,582,330 | 27 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 7,711 |
| Cost of funding earning assets | 1.1662% | 7,377 |
| Net interest margin | 3.3432% | 5,352 |
| Noninterest income to average assets | 3.6894% | 172 |
| Noninterest expense to average assets | 3.8223% | 1,429 |
| Loan and lease loss provision to assets | 1.7704% | 696 |
| Net operating income to assets | 1.3532% | 1,252 |
| Return on assets (ROA) | 1.3975% | 1,234 |
| Pretax return on assets | 0.9543% | 3,519 |
| Return on Equity (ROE) | 17.6543% | 619 |
| Retained earnings to average equity (ytd only) | 17.6543% | 240 |
| Net charge-offs to loans | 1.6060% | 902 |
| Credit loss provision to net charge-offs | 174.7181% | 2,468 |
| Earnings coverage of net charge-offs (x) | 2.6453% | 3,436 |
| Efficiency ratio | 58.2189% | 6,667 |
| Assets per employee ($millions) | 5.2519% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1650% | 418 |
| Loan loss allowance to noncurrent loans | 112.1335% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 2.0038% | 2,898 |
| Noncurrent loans to loans | 2.8225% | 2,320 |
| Net loans and leases to total assets | 61.6941% | 5,388 |
| Net loans and leases to deposits | 97.7970% | 1,696 |
| Net loans and leases to core deposits | 142.6807% | 979 |
| Total domestic deposits to total assets | 46.6495% | 8,121 |
| Equity capital to assets | 8.1644% | 6,581 |
| Core capital (leverage) ratio | 7.3828% | 7,292 |
| Tier 1 risk-based capital ratio | 8.6640% | 7,914 |
| Total risk-based capital ratio | 11.3681% | 6,706 |
| Memoranda: | ||
| Average total assets | $68,958,955,500 | 27 |
| Average earning assets | $58,029,409,500 | 31 |
| Average equity | $5,458,654,000 | 36 |
| Average total loans | $43,507,595,000 | 28 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0788% | 7,784 |
| Cost of funding earning assets | 2.0974% | 6,063 |
| Net interest margin | 2.9814% | 6,964 |
| Noninterest income to average assets | 3.9489% | 153 |
| Noninterest expense to average assets | 3.8358% | 1,685 |
| Loan and lease loss provision to assets | 2.3580% | 466 |
| Net operating income to assets | -0.0962% | 6,488 |
| Return on assets (ROA) | -0.0473% | 6,290 |
| Pretax return on assets | 0.3178% | 5,469 |
| Return on Equity (ROE) | -0.5762% | 6,304 |
| Retained earnings to average equity (ytd only) | -2.1446% | 5,913 |
| Net charge-offs to loans | 1.7094% | 645 |
| Credit loss provision to net charge-offs | 220.9170% | 2,167 |
| Earnings coverage of net charge-offs (x) | 2.4353% | 4,859 |
| Efficiency ratio | 56.1879% | 6,980 |
| Assets per employee ($millions) | 5.2689% | 1,670 |
| Cash dividends to net income (ytd only)* | -272.1829% | 8,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8802% | 479 |
| Loan loss allowance to noncurrent loans | 100.9184% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 1.9693% | 2,499 |
| Noncurrent loans to loans | 2.8540% | 1,896 |
| Net loans and leases to total assets | 60.6828% | 5,810 |
| Net loans and leases to deposits | 96.9876% | 2,291 |
| Net loans and leases to core deposits | 144.8463% | 1,061 |
| Total domestic deposits to total assets | 46.3150% | 8,149 |
| Equity capital to assets | 7.6708% | 7,239 |
| Core capital (leverage) ratio | 6.9520% | 7,728 |
| Tier 1 risk-based capital ratio | 7.9747% | 8,088 |
| Total risk-based capital ratio | 10.6321% | 7,359 |
| Memoranda: | ||
| Average total assets | $66,013,021,600 | 28 |
| Average earning assets | $55,050,639,200 | 31 |
| Average equity | $5,419,512,200 | 32 |
| Average total loans | $41,220,785,600 | 28 |