Home > First-Citizens Bank & Trust Company > Performance and Condition Ratios
First-Citizens Bank & Trust Company, 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 | 5.9670% | 665 |
| Cost of funding earning assets | 2.0985% | 785 |
| Net interest margin | 3.8685% | 1,445 |
| Noninterest income to average assets | 6.3200% | 112 |
| Noninterest expense to average assets | 2.7817% | 1,548 |
| Loan and lease loss provision to assets | 0.7200% | 109 |
| Net operating income to assets | 6.0077% | 61 |
| Return on assets (ROA) | 5.9950% | 62 |
| Pretax return on assets | 6.3209% | 75 |
| Return on Equity (ROE) | 63.1700% | 34 |
| Retained earnings to average equity (ytd only) | 61.1503% | 15 |
| Net charge-offs to loans | 0.4596% | 229 |
| Credit loss provision to net charge-offs | 208.0615% | 1,191 |
| Earnings coverage of net charge-offs (x) | 24.1808% | 1,769 |
| Efficiency ratio | 27.9893% | 4,502 |
| Assets per employee ($millions) | 13.4368% | 293 |
| Cash dividends to net income (ytd only)* | 3.1903% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 1,721 |
| Loan loss allowance to noncurrent loans | 159.8221% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 1,032 |
| Noncurrent loans to loans | 0.8190% | 944 |
| Net loans and leases to total assets | 61.6400% | 2,705 |
| Net loans and leases to deposits | 90.1401% | 1,250 |
| Net loans and leases to core deposits | 95.3830% | 1,690 |
| Total domestic deposits to total assets | 68.3800% | 4,334 |
| Equity capital to assets | 9.9824% | 2,023 |
| Core capital (leverage) ratio | 9.8768% | 2,906 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5571% | 1,382 |
| Memoranda: | ||
| Average total assets | $192,089,038,000 | 18 |
| Average earning assets | $174,382,538,800 | 18 |
| Average equity | $18,230,952,200 | 16 |
| Average total loans | $121,849,213,200 | 15 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7442% | 738 |
| Cost of funding earning assets | 1.9366% | 800 |
| Net interest margin | 3.8076% | 1,576 |
| Noninterest income to average assets | 8.2800% | 98 |
| Noninterest expense to average assets | 2.7479% | 1,544 |
| Loan and lease loss provision to assets | 0.8000% | 88 |
| Net operating income to assets | 7.8685% | 50 |
| Return on assets (ROA) | 7.8508% | 50 |
| Pretax return on assets | 8.1573% | 58 |
| Return on Equity (ROE) | 83.9600% | 27 |
| Retained earnings to average equity (ytd only) | 81.1570% | 14 |
| Net charge-offs to loans | 0.4290% | 197 |
| Credit loss provision to net charge-offs | 238.8623% | 1,012 |
| Earnings coverage of net charge-offs (x) | 32.8538% | 1,549 |
| Efficiency ratio | 23.1855% | 4,544 |
| Assets per employee ($millions) | 13.5038% | 272 |
| Cash dividends to net income (ytd only)* | 3.3418% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 2,076 |
| Loan loss allowance to noncurrent loans | 166.0595% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 1,157 |
| Noncurrent loans to loans | 0.7559% | 1,100 |
| Net loans and leases to total assets | 61.6100% | 2,689 |
| Net loans and leases to deposits | 89.8968% | 1,245 |
| Net loans and leases to core deposits | 95.1735% | 1,606 |
| Total domestic deposits to total assets | 68.5400% | 4,360 |
| Equity capital to assets | 9.5543% | 2,066 |
| Core capital (leverage) ratio | 9.7456% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3561% | 1,457 |
| Memoranda: | ||
| Average total assets | $186,706,857,500 | 20 |
| Average earning assets | $169,119,699,000 | 20 |
| Average equity | $17,457,636,000 | 17 |
| Average total loans | $118,956,736,500 | 19 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2050% | 1,207 |
| Cost of funding earning assets | 1.6750% | 921 |
| Net interest margin | 3.5300% | 2,202 |
| Noninterest income to average assets | 12.4500% | 83 |
| Noninterest expense to average assets | 2.8488% | 1,330 |
| Loan and lease loss provision to assets | 1.0500% | 63 |
| Net operating income to assets | 11.5288% | 41 |
| Return on assets (ROA) | 11.5130% | 41 |
| Pretax return on assets | 11.7138% | 45 |
| Return on Equity (ROE) | 124.2200% | 16 |
| Retained earnings to average equity (ytd only) | 122.7913% | 9 |
| Net charge-offs to loans | 0.3620% | 231 |
| Credit loss provision to net charge-offs | 339.6875% | 799 |
| Earnings coverage of net charge-offs (x) | 54.9627% | 1,233 |
| Efficiency ratio | 18.0646% | 4,582 |
| Assets per employee ($millions) | 12.9703% | 301 |
| Cash dividends to net income (ytd only)* | 1.1473% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 2,296 |
| Loan loss allowance to noncurrent loans | 163.2804% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.5094% | 1,063 |
| Noncurrent loans to loans | 0.7529% | 1,005 |
| Net loans and leases to total assets | 62.8200% | 2,496 |
| Net loans and leases to deposits | 93.0703% | 945 |
| Net loans and leases to core deposits | 97.9453% | 1,350 |
| Total domestic deposits to total assets | 67.5000% | 4,419 |
| Equity capital to assets | 9.5541% | 2,125 |
| Core capital (leverage) ratio | 9.6229% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6920% | 1,386 |
| Memoranda: | ||
| Average total assets | $177,728,192,333 | 22 |
| Average earning assets | $160,291,941,667 | 23 |
| Average equity | $16,472,786,333 | 18 |
| Average total loans | $114,174,392,000 | 20 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3616% | 4,400 |
| Cost of funding earning assets | 0.9838% | 2,101 |
| Net interest margin | 2.3778% | 4,398 |
| Noninterest income to average assets | 25.5600% | 66 |
| Noninterest expense to average assets | 2.2575% | 2,936 |
| Loan and lease loss provision to assets | 1.9300% | 32 |
| Net operating income to assets | 23.5923% | 18 |
| Return on assets (ROA) | 23.5570% | 18 |
| Pretax return on assets | 23.4539% | 26 |
| Return on Equity (ROE) | 259.3300% | 6 |
| Retained earnings to average equity (ytd only) | 257.9034% | 5 |
| Net charge-offs to loans | 0.1910% | 378 |
| Credit loss provision to net charge-offs | 1,067.0749% | 345 |
| Earnings coverage of net charge-offs (x) | 205.9026% | 497 |
| Efficiency ratio | 8.1100% | 4,668 |
| Assets per employee ($millions) | 12.6510% | 331 |
| Cash dividends to net income (ytd only)* | 0.5492% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 2,774 |
| Loan loss allowance to noncurrent loans | 162.0114% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4846% | 1,064 |
| Noncurrent loans to loans | 0.7154% | 1,060 |
| Net loans and leases to total assets | 63.7600% | 2,271 |
| Net loans and leases to deposits | 97.5577% | 561 |
| Net loans and leases to core deposits | 100.9492% | 1,045 |
| Total domestic deposits to total assets | 65.3600% | 4,496 |
| Equity capital to assets | 9.0760% | 2,456 |
| Core capital (leverage) ratio | 16.9679% | 399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7400% | 1,704 |
| Memoranda: | ||
| Average total assets | $161,889,338,500 | 25 |
| Average earning assets | $144,553,028,000 | 26 |
| Average equity | $14,705,799,500 | 24 |
| Average total loans | $104,667,940,000 | 22 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 1,748 |
| Cost of funding earning assets | 0.5245% | 1,240 |
| Net interest margin | 3.4635% | 2,058 |
| Noninterest income to average assets | 2.4200% | 207 |
| Noninterest expense to average assets | 3.3455% | 587 |
| Loan and lease loss provision to assets | 0.6500% | 82 |
| Net operating income to assets | 1.2164% | 1,713 |
| Return on assets (ROA) | 1.2163% | 1,659 |
| Pretax return on assets | 1.4278% | 1,692 |
| Return on Equity (ROE) | 12.8200% | 1,864 |
| Retained earnings to average equity (ytd only) | -2.2716% | 4,496 |
| Net charge-offs to loans | 0.5524% | 129 |
| Credit loss provision to net charge-offs | 162.6749% | 1,252 |
| Earnings coverage of net charge-offs (x) | 6.0543% | 2,349 |
| Efficiency ratio | 61.2099% | 2,881 |
| Assets per employee ($millions) | 10.3626% | 598 |
| Cash dividends to net income (ytd only)* | 117.7224% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 1,896 |
| Loan loss allowance to noncurrent loans | 133.5272% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 722 |
| Noncurrent loans to loans | 0.9735% | 754 |
| Net loans and leases to total assets | 64.0900% | 2,235 |
| Net loans and leases to deposits | 78.1509% | 1,929 |
| Net loans and leases to core deposits | 81.6642% | 2,029 |
| Total domestic deposits to total assets | 82.0100% | 3,629 |
| Equity capital to assets | 9.0993% | 2,299 |
| Core capital (leverage) ratio | 9.2547% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9938% | 2,382 |
| Memoranda: | ||
| Average total assets | $98,508,381,000 | 34 |
| Average earning assets | $85,693,628,600 | 36 |
| Average equity | $9,348,010,400 | 35 |
| Average total loans | $61,335,695,200 | 29 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 1,789 |
| Cost of funding earning assets | 0.3454% | 1,742 |
| Net interest margin | 3.4454% | 1,820 |
| Noninterest income to average assets | 2.6200% | 202 |
| Noninterest expense to average assets | 3.4491% | 507 |
| Loan and lease loss provision to assets | 0.7900% | 57 |
| Net operating income to assets | 1.1958% | 1,704 |
| Return on assets (ROA) | 1.1958% | 1,684 |
| Pretax return on assets | 1.3830% | 1,768 |
| Return on Equity (ROE) | 12.4500% | 1,892 |
| Retained earnings to average equity (ytd only) | -1.0213% | 4,422 |
| Net charge-offs to loans | 0.7104% | 79 |
| Credit loss provision to net charge-offs | 154.9330% | 1,112 |
| Earnings coverage of net charge-offs (x) | 4.9688% | 2,159 |
| Efficiency ratio | 60.9385% | 2,986 |
| Assets per employee ($millions) | 10.4333% | 574 |
| Cash dividends to net income (ytd only)* | 108.1999% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,204 |
| Loan loss allowance to noncurrent loans | 174.5491% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 1,057 |
| Noncurrent loans to loans | 0.7237% | 1,127 |
| Net loans and leases to total assets | 63.1600% | 2,175 |
| Net loans and leases to deposits | 78.6551% | 1,667 |
| Net loans and leases to core deposits | 80.9731% | 1,833 |
| Total domestic deposits to total assets | 80.3000% | 4,068 |
| Equity capital to assets | 9.2378% | 2,048 |
| Core capital (leverage) ratio | 9.5630% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2604% | 2,370 |
| Memoranda: | ||
| Average total assets | $95,840,441,500 | 37 |
| Average earning assets | $83,550,138,250 | 40 |
| Average equity | $9,201,359,500 | 36 |
| Average total loans | $58,945,663,750 | 32 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6676% | 1,629 |
| Cost of funding earning assets | 0.2752% | 1,955 |
| Net interest margin | 3.3923% | 1,628 |
| Noninterest income to average assets | 3.0158% | 155 |
| Noninterest expense to average assets | 3.6204% | 389 |
| Loan and lease loss provision to assets | 1.1079% | 40 |
| Net operating income to assets | 1.1748% | 1,520 |
| Return on assets (ROA) | 1.1748% | 1,499 |
| Pretax return on assets | 1.2609% | 1,867 |
| Return on Equity (ROE) | 12.0554% | 1,654 |
| Retained earnings to average equity (ytd only) | 11.3819% | 721 |
| Net charge-offs to loans | 1.0703% | 60 |
| Credit loss provision to net charge-offs | 147.5653% | 1,099 |
| Earnings coverage of net charge-offs (x) | 3.6569% | 1,987 |
| Efficiency ratio | 60.0128% | 3,293 |
| Assets per employee ($millions) | 10.2665% | 613 |
| Cash dividends to net income (ytd only)* | 5.5871% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2539% | 2,416 |
| Loan loss allowance to noncurrent loans | 138.3563% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 897 |
| Noncurrent loans to loans | 0.9062% | 924 |
| Net loans and leases to total assets | 62.2653% | 2,094 |
| Net loans and leases to deposits | 74.8726% | 1,768 |
| Net loans and leases to core deposits | 77.0718% | 1,917 |
| Total domestic deposits to total assets | 83.1615% | 3,849 |
| Equity capital to assets | 10.1548% | 1,623 |
| Core capital (leverage) ratio | 10.1360% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2846% | 1,943 |
| Memoranda: | ||
| Average total assets | $91,409,667,333 | 38 |
| Average earning assets | $80,122,357,667 | 42 |
| Average equity | $8,907,988,333 | 36 |
| Average total loans | $55,324,086,333 | 34 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8430% | 1,011 |
| Cost of funding earning assets | 0.3099% | 1,555 |
| Net interest margin | 3.5331% | 1,022 |
| Noninterest income to average assets | 4.2895% | 115 |
| Noninterest expense to average assets | 4.1034% | 261 |
| Loan and lease loss provision to assets | 2.2277% | 16 |
| Net operating income to assets | 1.3115% | 978 |
| Return on assets (ROA) | 1.3115% | 967 |
| Pretax return on assets | 1.0933% | 2,163 |
| Return on Equity (ROE) | 13.8330% | 865 |
| Retained earnings to average equity (ytd only) | 12.3143% | 556 |
| Net charge-offs to loans | 2.2325% | 31 |
| Credit loss provision to net charge-offs | 146.3921% | 872 |
| Earnings coverage of net charge-offs (x) | 2.5260% | 1,702 |
| Efficiency ratio | 54.8824% | 3,989 |
| Assets per employee ($millions) | 10.4601% | 605 |
| Cash dividends to net income (ytd only)* | 10.9786% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 2,405 |
| Loan loss allowance to noncurrent loans | 147.9521% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 1,042 |
| Noncurrent loans to loans | 0.8733% | 1,071 |
| Net loans and leases to total assets | 59.7382% | 2,091 |
| Net loans and leases to deposits | 70.6435% | 1,900 |
| Net loans and leases to core deposits | 72.8974% | 2,031 |
| Total domestic deposits to total assets | 84.5628% | 3,645 |
| Equity capital to assets | 9.9712% | 1,910 |
| Core capital (leverage) ratio | 9.8061% | 2,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2488% | 2,097 |
| Memoranda: | ||
| Average total assets | $83,343,457,000 | 42 |
| Average earning assets | $73,947,412,000 | 42 |
| Average equity | $7,901,627,000 | 39 |
| Average total loans | $49,080,303,000 | 37 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8288% | 4,168 |
| Cost of funding earning assets | 0.0873% | 4,484 |
| Net interest margin | 2.7416% | 3,797 |
| Noninterest income to average assets | 1.1643% | 779 |
| Noninterest expense to average assets | 2.5975% | 1,877 |
| Loan and lease loss provision to assets | -0.0691% | 4,436 |
| Net operating income to assets | 0.9405% | 2,905 |
| Return on assets (ROA) | 0.9883% | 2,787 |
| Pretax return on assets | 1.2660% | 2,470 |
| Return on Equity (ROE) | 11.2936% | 2,055 |
| Retained earnings to average equity (ytd only) | 7.6819% | 1,662 |
| Net charge-offs to loans | 0.0273% | 1,692 |
| Credit loss provision to net charge-offs | -409.9154% | 3,706 |
| Earnings coverage of net charge-offs (x) | 69.2640% | 1,080 |
| Efficiency ratio | 68.9846% | 1,861 |
| Assets per employee ($millions) | 8.6798% | 1,027 |
| Cash dividends to net income (ytd only)* | 31.9801% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5490% | 4,585 |
| Loan loss allowance to noncurrent loans | 140.2905% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 2,110 |
| Noncurrent loans to loans | 0.3913% | 2,188 |
| Net loans and leases to total assets | 55.5436% | 2,673 |
| Net loans and leases to deposits | 62.6757% | 2,814 |
| Net loans and leases to core deposits | 63.3903% | 3,036 |
| Total domestic deposits to total assets | 88.6206% | 1,722 |
| Equity capital to assets | 8.5670% | 4,008 |
| Core capital (leverage) ratio | 8.0665% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8506% | 2,304 |
| Memoranda: | ||
| Average total assets | $54,767,744,200 | 48 |
| Average earning assets | $51,332,703,000 | 47 |
| Average equity | $4,792,497,400 | 58 |
| Average total loans | $32,877,356,000 | 45 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8477% | 4,239 |
| Cost of funding earning assets | 0.0900% | 4,571 |
| Net interest margin | 2.7577% | 3,872 |
| Noninterest income to average assets | 1.1727% | 833 |
| Noninterest expense to average assets | 2.5939% | 1,855 |
| Loan and lease loss provision to assets | -0.0817% | 4,558 |
| Net operating income to assets | 0.9639% | 3,037 |
| Return on assets (ROA) | 1.0286% | 2,870 |
| Pretax return on assets | 1.3286% | 2,546 |
| Return on Equity (ROE) | 11.6882% | 2,147 |
| Retained earnings to average equity (ytd only) | 8.5096% | 1,873 |
| Net charge-offs to loans | 0.0381% | 1,325 |
| Credit loss provision to net charge-offs | -336.3791% | 3,523 |
| Earnings coverage of net charge-offs (x) | 49.9823% | 1,241 |
| Efficiency ratio | 68.3981% | 1,778 |
| Assets per employee ($millions) | 8.4933% | 1,052 |
| Cash dividends to net income (ytd only)* | 27.1947% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5605% | 4,661 |
| Loan loss allowance to noncurrent loans | 108.1499% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 1,963 |
| Noncurrent loans to loans | 0.5183% | 2,005 |
| Net loans and leases to total assets | 57.1985% | 2,590 |
| Net loans and leases to deposits | 64.7415% | 2,762 |
| Net loans and leases to core deposits | 65.5323% | 2,999 |
| Total domestic deposits to total assets | 88.3491% | 1,645 |
| Equity capital to assets | 8.5886% | 4,143 |
| Core capital (leverage) ratio | 8.2652% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9288% | 2,391 |
| Memoranda: | ||
| Average total assets | $53,905,746,250 | 49 |
| Average earning assets | $50,551,643,000 | 49 |
| Average equity | $4,743,784,250 | 59 |
| Average total loans | $32,968,292,250 | 45 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8887% | 4,237 |
| Cost of funding earning assets | 0.0931% | 4,618 |
| Net interest margin | 2.7957% | 3,796 |
| Noninterest income to average assets | 1.1809% | 821 |
| Noninterest expense to average assets | 2.6073% | 1,830 |
| Loan and lease loss provision to assets | -0.1220% | 4,665 |
| Net operating income to assets | 1.0146% | 2,843 |
| Return on assets (ROA) | 1.0893% | 2,651 |
| Pretax return on assets | 1.4147% | 2,287 |
| Return on Equity (ROE) | 12.2729% | 1,956 |
| Retained earnings to average equity (ytd only) | 8.1193% | 2,033 |
| Net charge-offs to loans | 0.0281% | 1,386 |
| Credit loss provision to net charge-offs | -658.5613% | 3,545 |
| Earnings coverage of net charge-offs (x) | 68.2994% | 911 |
| Efficiency ratio | 67.8788% | 1,893 |
| Assets per employee ($millions) | 8.2806% | 1,089 |
| Cash dividends to net income (ytd only)* | 33.8439% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5754% | 4,680 |
| Loan loss allowance to noncurrent loans | 98.8778% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 1,913 |
| Noncurrent loans to loans | 0.5819% | 1,946 |
| Net loans and leases to total assets | 59.3056% | 2,505 |
| Net loans and leases to deposits | 67.3055% | 2,694 |
| Net loans and leases to core deposits | 68.1310% | 2,950 |
| Total domestic deposits to total assets | 88.1139% | 1,765 |
| Equity capital to assets | 8.6717% | 4,075 |
| Core capital (leverage) ratio | 8.2904% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7913% | 2,437 |
| Memoranda: | ||
| Average total assets | $52,934,238,000 | 49 |
| Average earning assets | $49,694,155,333 | 49 |
| Average equity | $4,698,364,000 | 59 |
| Average total loans | $33,063,208,667 | 46 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9050% | 4,247 |
| Cost of funding earning assets | 0.0955% | 4,682 |
| Net interest margin | 2.8095% | 3,739 |
| Noninterest income to average assets | 1.1839% | 870 |
| Noninterest expense to average assets | 2.5800% | 1,930 |
| Loan and lease loss provision to assets | -0.0751% | 4,688 |
| Net operating income to assets | 1.0211% | 2,745 |
| Return on assets (ROA) | 1.0772% | 2,634 |
| Pretax return on assets | 1.3986% | 2,282 |
| Return on Equity (ROE) | 11.9903% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.2730% | 1,581 |
| Net charge-offs to loans | 0.0324% | 1,160 |
| Credit loss provision to net charge-offs | -408.1071% | 3,128 |
| Earnings coverage of net charge-offs (x) | 60.3790% | 819 |
| Efficiency ratio | 66.6490% | 2,139 |
| Assets per employee ($millions) | 8.1919% | 1,106 |
| Cash dividends to net income (ytd only)* | 14.3222% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6315% | 4,650 |
| Loan loss allowance to noncurrent loans | 104.3286% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 1,993 |
| Noncurrent loans to loans | 0.6053% | 2,056 |
| Net loans and leases to total assets | 61.5891% | 2,329 |
| Net loans and leases to deposits | 69.9383% | 2,513 |
| Net loans and leases to core deposits | 70.8530% | 2,797 |
| Total domestic deposits to total assets | 88.0620% | 1,820 |
| Equity capital to assets | 8.7242% | 3,937 |
| Core capital (leverage) ratio | 8.6404% | 3,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9950% | 2,292 |
| Memoranda: | ||
| Average total assets | $51,851,888,000 | 50 |
| Average earning assets | $48,881,453,500 | 49 |
| Average equity | $4,658,529,500 | 60 |
| Average total loans | $33,161,900,000 | 47 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4793% | 4,067 |
| Cost of funding earning assets | 0.1894% | 4,617 |
| Net interest margin | 3.2899% | 3,093 |
| Noninterest income to average assets | 1.1780% | 790 |
| Noninterest expense to average assets | 2.9113% | 1,650 |
| Loan and lease loss provision to assets | 0.1282% | 2,759 |
| Net operating income to assets | 0.9687% | 2,403 |
| Return on assets (ROA) | 1.0747% | 2,151 |
| Pretax return on assets | 1.3500% | 1,822 |
| Return on Equity (ROE) | 11.4100% | 1,494 |
| Retained earnings to average equity (ytd only) | 6.0504% | 1,774 |
| Net charge-offs to loans | 0.0715% | 1,769 |
| Credit loss provision to net charge-offs | 259.9430% | 1,888 |
| Earnings coverage of net charge-offs (x) | 27.2790% | 1,689 |
| Efficiency ratio | 67.5922% | 2,282 |
| Assets per employee ($millions) | 7.5581% | 1,244 |
| Cash dividends to net income (ytd only)* | 46.9724% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 4,615 |
| Loan loss allowance to noncurrent loans | 113.6659% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 2,073 |
| Noncurrent loans to loans | 0.5986% | 2,197 |
| Net loans and leases to total assets | 65.6358% | 2,143 |
| Net loans and leases to deposits | 75.2620% | 2,352 |
| Net loans and leases to core deposits | 76.4175% | 2,689 |
| Total domestic deposits to total assets | 87.2097% | 1,839 |
| Equity capital to assets | 9.2650% | 3,829 |
| Core capital (leverage) ratio | 8.7240% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7250% | 2,345 |
| Memoranda: | ||
| Average total assets | $45,501,011,400 | 52 |
| Average earning assets | $42,585,950,000 | 51 |
| Average equity | $4,285,551,200 | 58 |
| Average total loans | $31,415,859,200 | 48 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 4,126 |
| Cost of funding earning assets | 0.2136% | 4,623 |
| Net interest margin | 3.3368% | 3,082 |
| Noninterest income to average assets | 1.1802% | 764 |
| Noninterest expense to average assets | 2.9524% | 1,553 |
| Loan and lease loss provision to assets | 0.1590% | 2,413 |
| Net operating income to assets | 0.9464% | 2,536 |
| Return on assets (ROA) | 1.0785% | 2,183 |
| Pretax return on assets | 1.3525% | 1,870 |
| Return on Equity (ROE) | 11.3981% | 1,561 |
| Retained earnings to average equity (ytd only) | 5.6960% | 2,241 |
| Net charge-offs to loans | 0.0749% | 1,565 |
| Credit loss provision to net charge-offs | 303.9029% | 1,747 |
| Earnings coverage of net charge-offs (x) | 25.7380% | 1,712 |
| Efficiency ratio | 67.8513% | 2,210 |
| Assets per employee ($millions) | 7.2786% | 1,335 |
| Cash dividends to net income (ytd only)* | 50.0264% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6776% | 4,610 |
| Loan loss allowance to noncurrent loans | 117.8356% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 2,210 |
| Noncurrent loans to loans | 0.5750% | 2,363 |
| Net loans and leases to total assets | 67.5003% | 2,316 |
| Net loans and leases to deposits | 77.5627% | 2,580 |
| Net loans and leases to core deposits | 78.9502% | 2,929 |
| Total domestic deposits to total assets | 87.0268% | 1,661 |
| Equity capital to assets | 9.2248% | 3,930 |
| Core capital (leverage) ratio | 8.7324% | 4,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6567% | 2,347 |
| Memoranda: | ||
| Average total assets | $44,405,434,750 | 53 |
| Average earning assets | $41,503,376,500 | 51 |
| Average equity | $4,201,520,250 | 58 |
| Average total loans | $31,028,420,750 | 48 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 4,178 |
| Cost of funding earning assets | 0.2487% | 4,627 |
| Net interest margin | 3.3984% | 3,110 |
| Noninterest income to average assets | 1.1812% | 715 |
| Noninterest expense to average assets | 3.0545% | 1,449 |
| Loan and lease loss provision to assets | 0.2275% | 1,840 |
| Net operating income to assets | 0.8513% | 2,864 |
| Return on assets (ROA) | 0.9761% | 2,541 |
| Pretax return on assets | 1.2246% | 2,275 |
| Return on Equity (ROE) | 10.2199% | 1,917 |
| Retained earnings to average equity (ytd only) | 1.4692% | 3,945 |
| Net charge-offs to loans | 0.0980% | 1,289 |
| Credit loss provision to net charge-offs | 328.9635% | 1,555 |
| Earnings coverage of net charge-offs (x) | 18.7425% | 1,754 |
| Efficiency ratio | 69.3432% | 2,040 |
| Assets per employee ($millions) | 6.8503% | 1,532 |
| Cash dividends to net income (ytd only)* | 85.6242% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6818% | 4,602 |
| Loan loss allowance to noncurrent loans | 110.3494% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 2,219 |
| Noncurrent loans to loans | 0.6178% | 2,312 |
| Net loans and leases to total assets | 67.7554% | 2,401 |
| Net loans and leases to deposits | 77.8471% | 2,675 |
| Net loans and leases to core deposits | 79.2394% | 3,003 |
| Total domestic deposits to total assets | 87.0364% | 1,601 |
| Equity capital to assets | 9.0755% | 4,014 |
| Core capital (leverage) ratio | 8.9343% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4008% | 2,441 |
| Memoranda: | ||
| Average total assets | $42,997,751,667 | 53 |
| Average earning assets | $40,100,566,333 | 52 |
| Average equity | $4,106,739,000 | 61 |
| Average total loans | $30,355,121,333 | 48 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9213% | 3,993 |
| Cost of funding earning assets | 0.3016% | 4,657 |
| Net interest margin | 3.6197% | 2,604 |
| Noninterest income to average assets | 1.3107% | 521 |
| Noninterest expense to average assets | 3.2949% | 1,236 |
| Loan and lease loss provision to assets | 0.2795% | 1,113 |
| Net operating income to assets | 0.8380% | 2,755 |
| Return on assets (ROA) | 0.9921% | 2,299 |
| Pretax return on assets | 1.2942% | 1,887 |
| Return on Equity (ROE) | 10.0914% | 1,720 |
| Retained earnings to average equity (ytd only) | -7.9232% | 4,686 |
| Net charge-offs to loans | 0.1028% | 1,062 |
| Credit loss provision to net charge-offs | 377.7645% | 1,041 |
| Earnings coverage of net charge-offs (x) | 18.6334% | 1,463 |
| Efficiency ratio | 69.6290% | 2,409 |
| Assets per employee ($millions) | 5.8967% | 1,761 |
| Cash dividends to net income (ytd only)* | 178.5139% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 4,588 |
| Loan loss allowance to noncurrent loans | 117.8652% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 2,308 |
| Noncurrent loans to loans | 0.6035% | 2,481 |
| Net loans and leases to total assets | 70.5969% | 2,153 |
| Net loans and leases to deposits | 82.5774% | 2,374 |
| Net loans and leases to core deposits | 84.5101% | 2,805 |
| Total domestic deposits to total assets | 85.4918% | 2,216 |
| Equity capital to assets | 10.1882% | 3,612 |
| Core capital (leverage) ratio | 9.7234% | 3,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2039% | 2,619 |
| Memoranda: | ||
| Average total assets | $40,582,316,000 | 54 |
| Average earning assets | $37,702,489,500 | 54 |
| Average equity | $3,989,760,500 | 62 |
| Average total loans | $29,218,227,000 | 49 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 4,144 |
| Cost of funding earning assets | 0.2495% | 4,852 |
| Net interest margin | 3.8014% | 2,496 |
| Noninterest income to average assets | 1.4524% | 442 |
| Noninterest expense to average assets | 3.3500% | 1,203 |
| Loan and lease loss provision to assets | 0.0845% | 2,314 |
| Net operating income to assets | 1.2012% | 2,054 |
| Return on assets (ROA) | 1.2162% | 2,087 |
| Pretax return on assets | 1.5757% | 1,562 |
| Return on Equity (ROE) | 12.8056% | 1,235 |
| Retained earnings to average equity (ytd only) | 8.5678% | 814 |
| Net charge-offs to loans | 0.1118% | 1,613 |
| Credit loss provision to net charge-offs | 104.7614% | 2,365 |
| Earnings coverage of net charge-offs (x) | 20.3536% | 1,939 |
| Efficiency ratio | 66.2114% | 2,737 |
| Assets per employee ($millions) | 5.6848% | 1,888 |
| Cash dividends to net income (ytd only)* | 33.0929% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7759% | 4,376 |
| Loan loss allowance to noncurrent loans | 150.8614% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4922% | 2,442 |
| Noncurrent loans to loans | 0.5143% | 2,643 |
| Net loans and leases to total assets | 72.3621% | 2,031 |
| Net loans and leases to deposits | 83.5584% | 2,375 |
| Net loans and leases to core deposits | 85.7810% | 2,804 |
| Total domestic deposits to total assets | 86.6007% | 1,806 |
| Equity capital to assets | 9.4601% | 4,380 |
| Core capital (leverage) ratio | 9.3807% | 4,189 |
| Tier 1 risk-based capital ratio | 11.5435% | 4,608 |
| Total risk-based capital ratio | 12.4615% | 4,664 |
| Memoranda: | ||
| Average total assets | $37,223,074,800 | 54 |
| Average earning assets | $34,651,078,200 | 53 |
| Average equity | $3,535,347,400 | 68 |
| Average total loans | $26,853,855,000 | 46 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 4,137 |
| Cost of funding earning assets | 0.2410% | 4,945 |
| Net interest margin | 3.8668% | 2,379 |
| Noninterest income to average assets | 1.4793% | 413 |
| Noninterest expense to average assets | 3.3521% | 1,174 |
| Loan and lease loss provision to assets | 0.0864% | 2,189 |
| Net operating income to assets | 1.2669% | 1,961 |
| Return on assets (ROA) | 1.2866% | 1,988 |
| Pretax return on assets | 1.6667% | 1,428 |
| Return on Equity (ROE) | 13.5320% | 1,107 |
| Retained earnings to average equity (ytd only) | 7.7891% | 1,494 |
| Net charge-offs to loans | 0.1044% | 1,427 |
| Credit loss provision to net charge-offs | 115.1109% | 2,026 |
| Earnings coverage of net charge-offs (x) | 23.0167% | 1,846 |
| Efficiency ratio | 65.0554% | 2,852 |
| Assets per employee ($millions) | 5.5636% | 1,972 |
| Cash dividends to net income (ytd only)* | 42.4399% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8299% | 4,309 |
| Loan loss allowance to noncurrent loans | 165.3497% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 2,577 |
| Noncurrent loans to loans | 0.5019% | 2,790 |
| Net loans and leases to total assets | 71.9611% | 2,181 |
| Net loans and leases to deposits | 82.6178% | 2,603 |
| Net loans and leases to core deposits | 84.6687% | 3,029 |
| Total domestic deposits to total assets | 87.1012% | 1,467 |
| Equity capital to assets | 9.6088% | 4,376 |
| Core capital (leverage) ratio | 9.4166% | 4,264 |
| Tier 1 risk-based capital ratio | 12.0934% | 4,370 |
| Total risk-based capital ratio | 13.0266% | 4,426 |
| Memoranda: | ||
| Average total assets | $36,581,927,000 | 55 |
| Average earning assets | $34,067,808,750 | 54 |
| Average equity | $3,478,197,500 | 69 |
| Average total loans | $26,313,232,500 | 48 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 4,220 |
| Cost of funding earning assets | 0.2211% | 5,028 |
| Net interest margin | 3.8540% | 2,394 |
| Noninterest income to average assets | 1.4354% | 428 |
| Noninterest expense to average assets | 3.3479% | 1,201 |
| Loan and lease loss provision to assets | 0.0936% | 1,980 |
| Net operating income to assets | 1.2149% | 2,094 |
| Return on assets (ROA) | 1.2397% | 2,058 |
| Pretax return on assets | 1.6138% | 1,505 |
| Return on Equity (ROE) | 13.0871% | 1,208 |
| Retained earnings to average equity (ytd only) | 10.1762% | 706 |
| Net charge-offs to loans | 0.1084% | 1,323 |
| Credit loss provision to net charge-offs | 120.3950% | 1,733 |
| Earnings coverage of net charge-offs (x) | 21.5611% | 1,732 |
| Efficiency ratio | 65.6811% | 2,856 |
| Assets per employee ($millions) | 5.5252% | 1,940 |
| Cash dividends to net income (ytd only)* | 22.2427% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 4,288 |
| Loan loss allowance to noncurrent loans | 164.4742% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 2,581 |
| Noncurrent loans to loans | 0.5134% | 2,741 |
| Net loans and leases to total assets | 70.8256% | 2,420 |
| Net loans and leases to deposits | 81.2818% | 2,810 |
| Net loans and leases to core deposits | 83.1963% | 3,178 |
| Total domestic deposits to total assets | 87.1358% | 1,526 |
| Equity capital to assets | 9.5342% | 4,372 |
| Core capital (leverage) ratio | 9.4642% | 4,182 |
| Tier 1 risk-based capital ratio | 12.1516% | 4,327 |
| Total risk-based capital ratio | 13.0997% | 4,383 |
| Memoranda: | ||
| Average total assets | $36,220,791,670 | 55 |
| Average earning assets | $33,724,771,000 | 54 |
| Average equity | $3,431,204,000 | 69 |
| Average total loans | $25,973,908,330 | 48 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 4,236 |
| Cost of funding earning assets | 0.1831% | 5,150 |
| Net interest margin | 3.8756% | 2,264 |
| Noninterest income to average assets | 1.4253% | 424 |
| Noninterest expense to average assets | 3.3747% | 1,152 |
| Loan and lease loss provision to assets | 0.1322% | 1,312 |
| Net operating income to assets | 1.1817% | 2,123 |
| Return on assets (ROA) | 1.1817% | 2,172 |
| Pretax return on assets | 1.5354% | 1,663 |
| Return on Equity (ROE) | 12.5170% | 1,377 |
| Retained earnings to average equity (ytd only) | 6.5646% | 2,217 |
| Net charge-offs to loans | 0.1047% | 1,112 |
| Credit loss provision to net charge-offs | 175.7141% | 1,133 |
| Earnings coverage of net charge-offs (x) | 22.1621% | 1,509 |
| Efficiency ratio | 65.9517% | 2,944 |
| Assets per employee ($millions) | 5.3564% | 2,117 |
| Cash dividends to net income (ytd only)* | 47.5542% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 4,173 |
| Loan loss allowance to noncurrent loans | 178.5923% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4762% | 2,706 |
| Noncurrent loans to loans | 0.5020% | 2,809 |
| Net loans and leases to total assets | 70.5848% | 2,392 |
| Net loans and leases to deposits | 80.9015% | 2,740 |
| Net loans and leases to core deposits | 82.3453% | 3,159 |
| Total domestic deposits to total assets | 87.2478% | 1,689 |
| Equity capital to assets | 9.4831% | 4,276 |
| Core capital (leverage) ratio | 9.5616% | 4,065 |
| Tier 1 risk-based capital ratio | 12.3638% | 4,254 |
| Total risk-based capital ratio | 13.3166% | 4,313 |
| Memoranda: | ||
| Average total assets | $35,548,129,500 | 56 |
| Average earning assets | $33,175,998,500 | 55 |
| Average equity | $3,355,990,500 | 70 |
| Average total loans | $25,544,364,000 | 49 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8365% | 4,413 |
| Cost of funding earning assets | 0.0986% | 5,286 |
| Net interest margin | 3.7380% | 2,905 |
| Noninterest income to average assets | 1.5555% | 387 |
| Noninterest expense to average assets | 3.4550% | 1,061 |
| Loan and lease loss provision to assets | 0.0820% | 2,489 |
| Net operating income to assets | 1.1989% | 2,173 |
| Return on assets (ROA) | 1.1997% | 2,169 |
| Pretax return on assets | 1.5117% | 1,742 |
| Return on Equity (ROE) | 12.6332% | 1,495 |
| Retained earnings to average equity (ytd only) | 5.2668% | 2,616 |
| Net charge-offs to loans | 0.1088% | 1,657 |
| Credit loss provision to net charge-offs | 106.8258% | 2,396 |
| Earnings coverage of net charge-offs (x) | 20.7534% | 1,978 |
| Efficiency ratio | 67.4683% | 2,631 |
| Assets per employee ($millions) | 5.4075% | 2,055 |
| Cash dividends to net income (ytd only)* | 58.3098% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 4,279 |
| Loan loss allowance to noncurrent loans | 177.9305% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 2,614 |
| Noncurrent loans to loans | 0.4917% | 2,801 |
| Net loans and leases to total assets | 71.8696% | 2,282 |
| Net loans and leases to deposits | 82.5462% | 2,671 |
| Net loans and leases to core deposits | 84.1202% | 3,080 |
| Total domestic deposits to total assets | 87.0659% | 1,759 |
| Equity capital to assets | 9.3976% | 4,220 |
| Core capital (leverage) ratio | 9.3935% | 4,243 |
| Tier 1 risk-based capital ratio | 12.1727% | 4,312 |
| Total risk-based capital ratio | 13.1229% | 4,397 |
| Memoranda: | ||
| Average total assets | $34,725,381,000 | 55 |
| Average earning assets | $32,442,093,800 | 52 |
| Average equity | $3,297,552,000 | 68 |
| Average total loans | $24,482,508,000 | 51 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 4,535 |
| Cost of funding earning assets | 0.0844% | 5,385 |
| Net interest margin | 3.6740% | 3,105 |
| Noninterest income to average assets | 1.5842% | 389 |
| Noninterest expense to average assets | 3.4554% | 1,042 |
| Loan and lease loss provision to assets | 0.0651% | 2,667 |
| Net operating income to assets | 1.2011% | 2,234 |
| Return on assets (ROA) | 1.2011% | 2,235 |
| Pretax return on assets | 1.4979% | 1,903 |
| Return on Equity (ROE) | 12.6147% | 1,574 |
| Retained earnings to average equity (ytd only) | 10.8873% | 673 |
| Net charge-offs to loans | 0.1078% | 1,408 |
| Credit loss provision to net charge-offs | 86.2301% | 2,459 |
| Earnings coverage of net charge-offs (x) | 20.7107% | 1,951 |
| Efficiency ratio | 67.8653% | 2,563 |
| Assets per employee ($millions) | 5.3713% | 2,054 |
| Cash dividends to net income (ytd only)* | 13.6931% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 4,344 |
| Loan loss allowance to noncurrent loans | 171.7011% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 2,739 |
| Noncurrent loans to loans | 0.5120% | 2,848 |
| Net loans and leases to total assets | 70.9430% | 2,508 |
| Net loans and leases to deposits | 81.8579% | 2,837 |
| Net loans and leases to core deposits | 83.0600% | 3,244 |
| Total domestic deposits to total assets | 86.6661% | 1,886 |
| Equity capital to assets | 9.7513% | 3,870 |
| Core capital (leverage) ratio | 9.8902% | 3,754 |
| Tier 1 risk-based capital ratio | 12.9148% | 3,957 |
| Total risk-based capital ratio | 13.8595% | 4,038 |
| Memoranda: | ||
| Average total assets | $34,589,852,250 | 54 |
| Average earning assets | $32,332,887,250 | 52 |
| Average equity | $3,293,367,000 | 67 |
| Average total loans | $24,210,559,250 | 51 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 4,597 |
| Cost of funding earning assets | 0.0816% | 5,440 |
| Net interest margin | 3.6140% | 3,263 |
| Noninterest income to average assets | 1.6599% | 366 |
| Noninterest expense to average assets | 3.4622% | 1,046 |
| Loan and lease loss provision to assets | 0.0930% | 2,058 |
| Net operating income to assets | 1.1290% | 2,480 |
| Return on assets (ROA) | 1.1290% | 2,487 |
| Pretax return on assets | 1.4825% | 1,875 |
| Return on Equity (ROE) | 11.9546% | 1,743 |
| Retained earnings to average equity (ytd only) | 11.9546% | 524 |
| Net charge-offs to loans | 0.1091% | 1,283 |
| Credit loss provision to net charge-offs | 122.7280% | 1,775 |
| Earnings coverage of net charge-offs (x) | 20.7949% | 1,794 |
| Efficiency ratio | 67.7465% | 2,689 |
| Assets per employee ($millions) | 5.2443% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 4,274 |
| Loan loss allowance to noncurrent loans | 171.5623% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 2,726 |
| Noncurrent loans to loans | 0.5328% | 2,819 |
| Net loans and leases to total assets | 69.8154% | 2,606 |
| Net loans and leases to deposits | 80.0762% | 2,937 |
| Net loans and leases to core deposits | 81.1606% | 3,306 |
| Total domestic deposits to total assets | 87.1862% | 1,762 |
| Equity capital to assets | 9.5268% | 4,070 |
| Core capital (leverage) ratio | 9.7236% | 3,858 |
| Tier 1 risk-based capital ratio | 12.7086% | 4,055 |
| Total risk-based capital ratio | 13.6830% | 4,119 |
| Memoranda: | ||
| Average total assets | $34,507,142,670 | 54 |
| Average earning assets | $32,252,504,670 | 53 |
| Average equity | $3,258,767,330 | 68 |
| Average total loans | $23,969,306,000 | 51 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 4,594 |
| Cost of funding earning assets | 0.0856% | 5,488 |
| Net interest margin | 3.5637% | 3,303 |
| Noninterest income to average assets | 1.7841% | 317 |
| Noninterest expense to average assets | 3.4752% | 1,044 |
| Loan and lease loss provision to assets | 0.0887% | 2,032 |
| Net operating income to assets | 1.1814% | 2,086 |
| Return on assets (ROA) | 1.1814% | 2,098 |
| Pretax return on assets | 1.5493% | 1,529 |
| Return on Equity (ROE) | 12.5662% | 1,391 |
| Retained earnings to average equity (ytd only) | 12.5662% | 588 |
| Net charge-offs to loans | 0.1079% | 1,130 |
| Credit loss provision to net charge-offs | 119.1633% | 1,383 |
| Earnings coverage of net charge-offs (x) | 22.0113% | 1,417 |
| Efficiency ratio | 67.0212% | 3,003 |
| Assets per employee ($millions) | 5.2071% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 4,250 |
| Loan loss allowance to noncurrent loans | 157.0145% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.5528% | 2,678 |
| Noncurrent loans to loans | 0.6006% | 2,743 |
| Net loans and leases to total assets | 68.4031% | 2,718 |
| Net loans and leases to deposits | 78.0415% | 3,013 |
| Net loans and leases to core deposits | 79.1186% | 3,392 |
| Total domestic deposits to total assets | 87.6497% | 1,820 |
| Equity capital to assets | 9.4762% | 4,109 |
| Core capital (leverage) ratio | 9.7381% | 3,812 |
| Tier 1 risk-based capital ratio | 13.0045% | 3,941 |
| Total risk-based capital ratio | 13.9234% | 4,031 |
| Memoranda: | ||
| Average total assets | $34,304,907,500 | 55 |
| Average earning assets | $32,046,706,000 | 55 |
| Average equity | $3,225,163,500 | 71 |
| Average total loans | $23,654,679,000 | 52 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4869% | 4,805 |
| Cost of funding earning assets | 0.1235% | 5,395 |
| Net interest margin | 3.3634% | 3,959 |
| Noninterest income to average assets | 1.8783% | 325 |
| Noninterest expense to average assets | 3.3168% | 1,338 |
| Loan and lease loss provision to assets | 0.0756% | 2,686 |
| Net operating income to assets | 0.9494% | 2,451 |
| Return on assets (ROA) | 0.9424% | 2,516 |
| Pretax return on assets | 1.6033% | 1,283 |
| Return on Equity (ROE) | 10.3049% | 1,766 |
| Retained earnings to average equity (ytd only) | 8.6833% | 565 |
| Net charge-offs to loans | 0.0994% | 2,082 |
| Credit loss provision to net charge-offs | 113.7116% | 2,301 |
| Earnings coverage of net charge-offs (x) | 25.4306% | 1,715 |
| Efficiency ratio | 65.2392% | 3,395 |
| Assets per employee ($millions) | 5.1954% | 2,257 |
| Cash dividends to net income (ytd only)* | 15.7359% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 4,280 |
| Loan loss allowance to noncurrent loans | 143.2714% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 2,566 |
| Noncurrent loans to loans | 0.6549% | 2,581 |
| Net loans and leases to total assets | 68.2083% | 2,794 |
| Net loans and leases to deposits | 79.8666% | 2,934 |
| Net loans and leases to core deposits | 81.0118% | 3,334 |
| Total domestic deposits to total assets | 85.4027% | 2,692 |
| Equity capital to assets | 9.3269% | 4,402 |
| Core capital (leverage) ratio | 9.2250% | 4,368 |
| Tier 1 risk-based capital ratio | 12.5417% | 4,179 |
| Total risk-based capital ratio | 13.4576% | 4,283 |
| Memoranda: | ||
| Average total assets | $34,003,457,600 | 53 |
| Average earning assets | $31,626,171,800 | 52 |
| Average equity | $3,109,600,800 | 65 |
| Average total loans | $22,733,848,600 | 50 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4513% | 4,891 |
| Cost of funding earning assets | 0.1228% | 5,462 |
| Net interest margin | 3.3285% | 4,080 |
| Noninterest income to average assets | 1.9579% | 319 |
| Noninterest expense to average assets | 3.2836% | 1,385 |
| Loan and lease loss provision to assets | 0.1120% | 1,915 |
| Net operating income to assets | 1.0624% | 2,273 |
| Return on assets (ROA) | 1.0700% | 2,278 |
| Pretax return on assets | 1.6721% | 1,191 |
| Return on Equity (ROE) | 11.7602% | 1,409 |
| Retained earnings to average equity (ytd only) | 11.7602% | 317 |
| Net charge-offs to loans | 0.0916% | 1,875 |
| Credit loss provision to net charge-offs | 184.4247% | 1,439 |
| Earnings coverage of net charge-offs (x) | 29.1708% | 1,582 |
| Efficiency ratio | 63.9487% | 3,553 |
| Assets per employee ($millions) | 5.2094% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 4,070 |
| Loan loss allowance to noncurrent loans | 145.5097% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 2,666 |
| Noncurrent loans to loans | 0.6861% | 2,649 |
| Net loans and leases to total assets | 66.8036% | 3,004 |
| Net loans and leases to deposits | 78.3212% | 3,130 |
| Net loans and leases to core deposits | 79.4268% | 3,497 |
| Total domestic deposits to total assets | 85.2943% | 2,600 |
| Equity capital to assets | 9.3994% | 4,545 |
| Core capital (leverage) ratio | 9.3417% | 4,359 |
| Tier 1 risk-based capital ratio | 12.8186% | 4,131 |
| Total risk-based capital ratio | 13.7914% | 4,201 |
| Memoranda: | ||
| Average total assets | $33,917,589,500 | 53 |
| Average earning assets | $31,566,801,500 | 52 |
| Average equity | $3,086,128,250 | 64 |
| Average total loans | $22,504,972,500 | 50 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4028% | 4,967 |
| Cost of funding earning assets | 0.1177% | 5,524 |
| Net interest margin | 3.2852% | 4,152 |
| Noninterest income to average assets | 2.2172% | 271 |
| Noninterest expense to average assets | 3.2566% | 1,456 |
| Loan and lease loss provision to assets | 0.1218% | 1,702 |
| Net operating income to assets | 1.2042% | 1,585 |
| Return on assets (ROA) | 1.2123% | 1,594 |
| Pretax return on assets | 1.9005% | 651 |
| Return on Equity (ROE) | 13.4746% | 929 |
| Retained earnings to average equity (ytd only) | 13.4746% | 223 |
| Net charge-offs to loans | 0.0948% | 1,670 |
| Credit loss provision to net charge-offs | 194.7972% | 1,301 |
| Earnings coverage of net charge-offs (x) | 32.1416% | 1,419 |
| Efficiency ratio | 60.9015% | 4,177 |
| Assets per employee ($millions) | 5.1912% | 2,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 4,182 |
| Loan loss allowance to noncurrent loans | 137.6394% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 2,591 |
| Noncurrent loans to loans | 0.7219% | 2,584 |
| Net loans and leases to total assets | 65.8924% | 3,123 |
| Net loans and leases to deposits | 77.3264% | 3,182 |
| Net loans and leases to core deposits | 78.7058% | 3,531 |
| Total domestic deposits to total assets | 85.2133% | 2,728 |
| Equity capital to assets | 9.1311% | 4,772 |
| Core capital (leverage) ratio | 9.2311% | 4,457 |
| Tier 1 risk-based capital ratio | 12.5511% | 4,270 |
| Total risk-based capital ratio | 13.5120% | 4,337 |
| Memoranda: | ||
| Average total assets | $33,752,261,670 | 53 |
| Average earning assets | $31,326,792,000 | 52 |
| Average equity | $3,036,618,000 | 64 |
| Average total loans | $22,266,185,000 | 51 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3728% | 4,988 |
| Cost of funding earning assets | 0.1212% | 5,550 |
| Net interest margin | 3.2516% | 4,172 |
| Noninterest income to average assets | 1.5400% | 467 |
| Noninterest expense to average assets | 3.1706% | 1,695 |
| Loan and lease loss provision to assets | 0.0988% | 1,914 |
| Net operating income to assets | 0.8267% | 3,093 |
| Return on assets (ROA) | 0.8265% | 3,149 |
| Pretax return on assets | 1.2861% | 2,280 |
| Return on Equity (ROE) | 9.2583% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.2583% | 997 |
| Net charge-offs to loans | 0.1112% | 1,280 |
| Credit loss provision to net charge-offs | 135.3115% | 1,287 |
| Earnings coverage of net charge-offs (x) | 18.9739% | 1,548 |
| Efficiency ratio | 68.5617% | 3,116 |
| Assets per employee ($millions) | 5.4975% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0062% | 4,238 |
| Loan loss allowance to noncurrent loans | 133.0061% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 2,667 |
| Noncurrent loans to loans | 0.7565% | 2,594 |
| Net loans and leases to total assets | 64.2293% | 3,240 |
| Net loans and leases to deposits | 74.8826% | 3,314 |
| Net loans and leases to core deposits | 76.2772% | 3,628 |
| Total domestic deposits to total assets | 85.7733% | 2,765 |
| Equity capital to assets | 8.9193% | 4,889 |
| Core capital (leverage) ratio | 9.0425% | 4,685 |
| Tier 1 risk-based capital ratio | 12.4112% | 4,439 |
| Total risk-based capital ratio | 13.3703% | 4,536 |
| Memoranda: | ||
| Average total assets | $33,328,716,500 | 53 |
| Average earning assets | $30,912,048,000 | 52 |
| Average equity | $2,975,281,500 | 64 |
| Average total loans | $21,885,709,000 | 50 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3124% | 5,139 |
| Cost of funding earning assets | 0.1243% | 5,589 |
| Net interest margin | 3.1882% | 4,479 |
| Noninterest income to average assets | 1.4550% | 548 |
| Noninterest expense to average assets | 3.2615% | 1,663 |
| Loan and lease loss provision to assets | 0.1022% | 2,337 |
| Net operating income to assets | 0.6665% | 3,921 |
| Return on assets (ROA) | 0.7007% | 3,887 |
| Pretax return on assets | 1.0923% | 3,134 |
| Return on Equity (ROE) | 7.6886% | 3,122 |
| Retained earnings to average equity (ytd only) | 4.6216% | 2,618 |
| Net charge-offs to loans | 0.0971% | 2,327 |
| Credit loss provision to net charge-offs | 161.7848% | 1,710 |
| Earnings coverage of net charge-offs (x) | 18.0558% | 1,990 |
| Efficiency ratio | 72.8930% | 2,441 |
| Assets per employee ($millions) | 5.3663% | 1,991 |
| Cash dividends to net income (ytd only)* | 39.8895% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 4,303 |
| Loan loss allowance to noncurrent loans | 142.0636% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 2,765 |
| Noncurrent loans to loans | 0.7060% | 2,768 |
| Net loans and leases to total assets | 65.8081% | 3,103 |
| Net loans and leases to deposits | 76.6216% | 3,246 |
| Net loans and leases to core deposits | 78.0798% | 3,565 |
| Total domestic deposits to total assets | 85.8872% | 2,638 |
| Equity capital to assets | 8.9352% | 4,877 |
| Core capital (leverage) ratio | 8.9375% | 4,814 |
| Tier 1 risk-based capital ratio | 12.2530% | 4,533 |
| Total risk-based capital ratio | 13.2104% | 4,638 |
| Memoranda: | ||
| Average total assets | $32,217,300,800 | 53 |
| Average earning assets | $29,786,320,000 | 52 |
| Average equity | $2,936,320,800 | 62 |
| Average total loans | $20,964,605,200 | 51 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2930% | 5,222 |
| Cost of funding earning assets | 0.1235% | 5,658 |
| Net interest margin | 3.1695% | 4,578 |
| Noninterest income to average assets | 1.4667% | 558 |
| Noninterest expense to average assets | 3.2431% | 1,700 |
| Loan and lease loss provision to assets | 0.0703% | 2,809 |
| Net operating income to assets | 0.6921% | 3,892 |
| Return on assets (ROA) | 0.7379% | 3,790 |
| Pretax return on assets | 1.1549% | 3,024 |
| Return on Equity (ROE) | 8.0559% | 2,975 |
| Retained earnings to average equity (ytd only) | 3.9682% | 3,482 |
| Net charge-offs to loans | 0.0718% | 2,290 |
| Credit loss provision to net charge-offs | 151.2926% | 1,758 |
| Earnings coverage of net charge-offs (x) | 24.8204% | 1,655 |
| Efficiency ratio | 72.5645% | 2,487 |
| Assets per employee ($millions) | 5.3984% | 1,953 |
| Cash dividends to net income (ytd only)* | 50.7415% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 4,464 |
| Loan loss allowance to noncurrent loans | 132.0478% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 2,820 |
| Noncurrent loans to loans | 0.7503% | 2,794 |
| Net loans and leases to total assets | 64.5888% | 3,325 |
| Net loans and leases to deposits | 75.7668% | 3,424 |
| Net loans and leases to core deposits | 77.3235% | 3,720 |
| Total domestic deposits to total assets | 85.2469% | 2,697 |
| Equity capital to assets | 9.1739% | 4,999 |
| Core capital (leverage) ratio | 8.9624% | 4,867 |
| Tier 1 risk-based capital ratio | 12.3508% | 4,572 |
| Total risk-based capital ratio | 13.2997% | 4,662 |
| Memoranda: | ||
| Average total assets | $32,067,938,500 | 54 |
| Average earning assets | $29,644,819,500 | 53 |
| Average equity | $2,937,389,000 | 64 |
| Average total loans | $20,752,365,000 | 52 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3093% | 5,276 |
| Cost of funding earning assets | 0.1221% | 5,747 |
| Net interest margin | 3.1873% | 4,585 |
| Noninterest income to average assets | 1.4780% | 541 |
| Noninterest expense to average assets | 3.2312% | 1,739 |
| Loan and lease loss provision to assets | 0.0591% | 2,960 |
| Net operating income to assets | 0.7167% | 3,713 |
| Return on assets (ROA) | 0.7857% | 3,526 |
| Pretax return on assets | 1.2373% | 2,643 |
| Return on Equity (ROE) | 8.5824% | 2,708 |
| Retained earnings to average equity (ytd only) | 3.4303% | 3,709 |
| Net charge-offs to loans | 0.0741% | 2,124 |
| Credit loss provision to net charge-offs | 123.5387% | 1,819 |
| Earnings coverage of net charge-offs (x) | 24.8445% | 1,529 |
| Efficiency ratio | 71.8935% | 2,674 |
| Assets per employee ($millions) | 5.2574% | 2,028 |
| Cash dividends to net income (ytd only)* | 60.0304% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 4,534 |
| Loan loss allowance to noncurrent loans | 120.5222% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 2,740 |
| Noncurrent loans to loans | 0.8286% | 2,671 |
| Net loans and leases to total assets | 64.3293% | 3,315 |
| Net loans and leases to deposits | 75.5774% | 3,429 |
| Net loans and leases to core deposits | 77.1737% | 3,722 |
| Total domestic deposits to total assets | 85.1172% | 2,819 |
| Equity capital to assets | 9.2769% | 4,996 |
| Core capital (leverage) ratio | 8.9554% | 4,881 |
| Tier 1 risk-based capital ratio | 12.4385% | 4,565 |
| Total risk-based capital ratio | 13.3921% | 4,659 |
| Memoranda: | ||
| Average total assets | $31,825,413,670 | 54 |
| Average earning assets | $29,373,991,670 | 53 |
| Average equity | $2,913,646,330 | 65 |
| Average total loans | $20,538,429,330 | 52 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3078% | 5,307 |
| Cost of funding earning assets | 0.1167% | 5,836 |
| Net interest margin | 3.1911% | 4,612 |
| Noninterest income to average assets | 1.3069% | 638 |
| Noninterest expense to average assets | 3.2019% | 1,829 |
| Loan and lease loss provision to assets | 0.0611% | 2,722 |
| Net operating income to assets | 0.6390% | 4,029 |
| Return on assets (ROA) | 0.6764% | 3,957 |
| Pretax return on assets | 1.0590% | 3,245 |
| Return on Equity (ROE) | 7.4381% | 3,221 |
| Retained earnings to average equity (ytd only) | -2.9732% | 5,470 |
| Net charge-offs to loans | 0.0839% | 1,659 |
| Credit loss provision to net charge-offs | 113.2865% | 1,490 |
| Earnings coverage of net charge-offs (x) | 19.6887% | 1,495 |
| Efficiency ratio | 73.8211% | 2,509 |
| Assets per employee ($millions) | 5.4172% | 1,904 |
| Cash dividends to net income (ytd only)* | 139.9724% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 4,548 |
| Loan loss allowance to noncurrent loans | 119.4904% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7405% | 2,861 |
| Noncurrent loans to loans | 0.8448% | 2,733 |
| Net loans and leases to total assets | 63.2753% | 3,346 |
| Net loans and leases to deposits | 73.8958% | 3,447 |
| Net loans and leases to core deposits | 75.6346% | 3,713 |
| Total domestic deposits to total assets | 85.6278% | 2,845 |
| Equity capital to assets | 9.0261% | 5,147 |
| Core capital (leverage) ratio | 8.8402% | 5,035 |
| Tier 1 risk-based capital ratio | 12.3510% | 4,695 |
| Total risk-based capital ratio | 13.3172% | 4,788 |
| Memoranda: | ||
| Average total assets | $31,710,978,500 | 54 |
| Average earning assets | $29,381,957,000 | 53 |
| Average equity | $2,883,652,500 | 66 |
| Average total loans | $20,393,485,500 | 52 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4119% | 5,129 |
| Cost of funding earning assets | 0.1329% | 5,796 |
| Net interest margin | 3.2789% | 4,374 |
| Noninterest income to average assets | 1.4948% | 556 |
| Noninterest expense to average assets | 3.3903% | 1,505 |
| Loan and lease loss provision to assets | 0.0671% | 2,951 |
| Net operating income to assets | 0.6697% | 3,953 |
| Return on assets (ROA) | 0.6917% | 3,964 |
| Pretax return on assets | 1.0931% | 3,093 |
| Return on Equity (ROE) | 7.5957% | 3,194 |
| Retained earnings to average equity (ytd only) | 4.9227% | 2,476 |
| Net charge-offs to loans | 0.0967% | 2,454 |
| Credit loss provision to net charge-offs | 109.2466% | 2,305 |
| Earnings coverage of net charge-offs (x) | 18.3412% | 2,018 |
| Efficiency ratio | 73.7143% | 2,627 |
| Assets per employee ($millions) | 5.2324% | 2,080 |
| Cash dividends to net income (ytd only)* | 35.1906% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 4,507 |
| Loan loss allowance to noncurrent loans | 114.2395% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7810% | 2,729 |
| Noncurrent loans to loans | 0.8892% | 2,578 |
| Net loans and leases to total assets | 64.0515% | 3,271 |
| Net loans and leases to deposits | 74.5127% | 3,434 |
| Net loans and leases to core deposits | 76.2260% | 3,735 |
| Total domestic deposits to total assets | 85.9605% | 2,659 |
| Equity capital to assets | 9.1624% | 4,955 |
| Core capital (leverage) ratio | 8.9489% | 4,943 |
| Tier 1 risk-based capital ratio | 12.6399% | 4,553 |
| Total risk-based capital ratio | 13.6102% | 4,618 |
| Memoranda: | ||
| Average total assets | $30,816,386,600 | 51 |
| Average earning assets | $28,395,117,200 | 51 |
| Average equity | $2,806,129,400 | 65 |
| Average total loans | $19,566,466,400 | 51 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4323% | 5,134 |
| Cost of funding earning assets | 0.1348% | 5,889 |
| Net interest margin | 3.2975% | 4,355 |
| Noninterest income to average assets | 1.5513% | 522 |
| Noninterest expense to average assets | 3.4112% | 1,456 |
| Loan and lease loss provision to assets | 0.0592% | 3,001 |
| Net operating income to assets | 0.7045% | 3,882 |
| Return on assets (ROA) | 0.7342% | 3,850 |
| Pretax return on assets | 1.1635% | 2,952 |
| Return on Equity (ROE) | 8.0754% | 3,039 |
| Retained earnings to average equity (ytd only) | 4.4897% | 3,273 |
| Net charge-offs to loans | 0.0868% | 2,302 |
| Credit loss provision to net charge-offs | 107.9173% | 2,142 |
| Earnings coverage of net charge-offs (x) | 21.4477% | 1,826 |
| Efficiency ratio | 72.9952% | 2,719 |
| Assets per employee ($millions) | 5.3636% | 1,893 |
| Cash dividends to net income (ytd only)* | 44.4025% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0310% | 4,578 |
| Loan loss allowance to noncurrent loans | 119.1207% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.7694% | 2,973 |
| Noncurrent loans to loans | 0.8655% | 2,816 |
| Net loans and leases to total assets | 62.8918% | 3,467 |
| Net loans and leases to deposits | 73.6837% | 3,576 |
| Net loans and leases to core deposits | 75.6482% | 3,835 |
| Total domestic deposits to total assets | 85.3537% | 2,846 |
| Equity capital to assets | 9.1231% | 5,191 |
| Core capital (leverage) ratio | 8.9466% | 5,056 |
| Tier 1 risk-based capital ratio | 12.7315% | 4,593 |
| Total risk-based capital ratio | 13.7214% | 4,679 |
| Memoranda: | ||
| Average total assets | $30,677,098,250 | 51 |
| Average earning assets | $28,244,558,000 | 51 |
| Average equity | $2,789,016,500 | 65 |
| Average total loans | $19,382,722,250 | 50 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4009% | 5,228 |
| Cost of funding earning assets | 0.1419% | 5,907 |
| Net interest margin | 3.2590% | 4,459 |
| Noninterest income to average assets | 1.6510% | 487 |
| Noninterest expense to average assets | 3.4398% | 1,394 |
| Loan and lease loss provision to assets | 0.0887% | 2,333 |
| Net operating income to assets | 0.7126% | 3,832 |
| Return on assets (ROA) | 0.7342% | 3,828 |
| Pretax return on assets | 1.1604% | 2,937 |
| Return on Equity (ROE) | 8.0849% | 3,002 |
| Retained earnings to average equity (ytd only) | 2.6595% | 4,364 |
| Net charge-offs to loans | 0.1006% | 2,001 |
| Credit loss provision to net charge-offs | 139.8654% | 1,605 |
| Earnings coverage of net charge-offs (x) | 19.1561% | 1,764 |
| Efficiency ratio | 72.5115% | 2,928 |
| Assets per employee ($millions) | 5.1485% | 2,100 |
| Cash dividends to net income (ytd only)* | 67.1051% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 4,525 |
| Loan loss allowance to noncurrent loans | 123.9082% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.7802% | 3,048 |
| Noncurrent loans to loans | 0.8575% | 2,987 |
| Net loans and leases to total assets | 62.9725% | 3,415 |
| Net loans and leases to deposits | 73.0137% | 3,617 |
| Net loans and leases to core deposits | 74.7581% | 3,882 |
| Total domestic deposits to total assets | 86.2475% | 2,558 |
| Equity capital to assets | 9.0512% | 5,185 |
| Core capital (leverage) ratio | 8.9036% | 5,095 |
| Tier 1 risk-based capital ratio | 12.6102% | 4,737 |
| Total risk-based capital ratio | 13.6245% | 4,794 |
| Memoranda: | ||
| Average total assets | $30,449,202,000 | 50 |
| Average earning assets | $28,069,341,000 | 50 |
| Average equity | $2,764,996,000 | 63 |
| Average total loans | $19,200,689,000 | 50 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3192% | 5,406 |
| Cost of funding earning assets | 0.1490% | 5,932 |
| Net interest margin | 3.1702% | 4,713 |
| Noninterest income to average assets | 1.8436% | 399 |
| Noninterest expense to average assets | 3.4012% | 1,486 |
| Loan and lease loss provision to assets | 0.0765% | 2,422 |
| Net operating income to assets | 0.8068% | 3,227 |
| Return on assets (ROA) | 0.8502% | 3,127 |
| Pretax return on assets | 1.3537% | 2,057 |
| Return on Equity (ROE) | 9.3469% | 2,289 |
| Retained earnings to average equity (ytd only) | -1.5493% | 5,627 |
| Net charge-offs to loans | 0.0991% | 1,734 |
| Credit loss provision to net charge-offs | 123.1031% | 1,424 |
| Earnings coverage of net charge-offs (x) | 21.9156% | 1,366 |
| Efficiency ratio | 70.0241% | 3,486 |
| Assets per employee ($millions) | 5.0210% | 2,328 |
| Cash dividends to net income (ytd only)* | 116.5757% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 4,647 |
| Loan loss allowance to noncurrent loans | 106.9998% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 2,818 |
| Noncurrent loans to loans | 1.0027% | 2,754 |
| Net loans and leases to total assets | 61.8511% | 3,392 |
| Net loans and leases to deposits | 71.7210% | 3,559 |
| Net loans and leases to core deposits | 73.5148% | 3,826 |
| Total domestic deposits to total assets | 86.2385% | 2,807 |
| Equity capital to assets | 8.9961% | 5,295 |
| Core capital (leverage) ratio | 8.8829% | 5,095 |
| Tier 1 risk-based capital ratio | 12.8680% | 4,679 |
| Total risk-based capital ratio | 13.9083% | 4,724 |
| Memoranda: | ||
| Average total assets | $30,272,047,500 | 50 |
| Average earning assets | $27,883,293,000 | 50 |
| Average equity | $2,753,456,500 | 62 |
| Average total loans | $18,998,009,500 | 49 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 5,187 |
| Cost of funding earning assets | 0.2055% | 5,699 |
| Net interest margin | 3.3557% | 4,387 |
| Noninterest income to average assets | 1.2894% | 734 |
| Noninterest expense to average assets | 3.6117% | 1,280 |
| Loan and lease loss provision to assets | -0.0178% | 5,936 |
| Net operating income to assets | 0.4869% | 4,866 |
| Return on assets (ROA) | 0.4869% | 4,950 |
| Pretax return on assets | 0.7570% | 4,416 |
| Return on Equity (ROE) | 5.1388% | 4,590 |
| Retained earnings to average equity (ytd only) | 3.6664% | 3,615 |
| Net charge-offs to loans | 0.2127% | 1,968 |
| Credit loss provision to net charge-offs | -13.1844% | 5,327 |
| Earnings coverage of net charge-offs (x) | 5.4746% | 3,412 |
| Efficiency ratio | 82.7692% | 1,558 |
| Assets per employee ($millions) | 4.6958% | 2,730 |
| Cash dividends to net income (ytd only)* | 28.6532% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 2,878 |
| Loan loss allowance to noncurrent loans | 142.2846% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.9438% | 2,858 |
| Noncurrent loans to loans | 0.9946% | 2,839 |
| Net loans and leases to total assets | 64.8062% | 3,089 |
| Net loans and leases to deposits | 76.0228% | 3,197 |
| Net loans and leases to core deposits | 78.3051% | 3,486 |
| Total domestic deposits to total assets | 85.2458% | 3,187 |
| Equity capital to assets | 9.5015% | 4,722 |
| Core capital (leverage) ratio | 9.2676% | 4,577 |
| Tier 1 risk-based capital ratio | 13.0630% | 4,685 |
| Total risk-based capital ratio | 14.2572% | 4,637 |
| Memoranda: | ||
| Average total assets | $21,519,637,000 | 65 |
| Average earning assets | $19,632,771,600 | 65 |
| Average equity | $2,038,931,600 | 76 |
| Average total loans | $13,659,690,000 | 64 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5861% | 5,179 |
| Cost of funding earning assets | 0.2096% | 5,757 |
| Net interest margin | 3.3766% | 4,329 |
| Noninterest income to average assets | 1.2175% | 823 |
| Noninterest expense to average assets | 3.6075% | 1,283 |
| Loan and lease loss provision to assets | -0.0475% | 6,183 |
| Net operating income to assets | 0.4940% | 4,894 |
| Return on assets (ROA) | 0.4940% | 4,962 |
| Pretax return on assets | 0.7356% | 4,570 |
| Return on Equity (ROE) | 5.2180% | 4,618 |
| Retained earnings to average equity (ytd only) | 3.2526% | 4,310 |
| Net charge-offs to loans | 0.2446% | 1,573 |
| Credit loss provision to net charge-offs | -30.8761% | 5,308 |
| Earnings coverage of net charge-offs (x) | 4.4722% | 3,448 |
| Efficiency ratio | 83.7299% | 1,420 |
| Assets per employee ($millions) | 4.7087% | 2,656 |
| Cash dividends to net income (ytd only)* | 37.6654% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 2,943 |
| Loan loss allowance to noncurrent loans | 125.6874% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 1.0738% | 2,811 |
| Noncurrent loans to loans | 1.1543% | 2,750 |
| Net loans and leases to total assets | 63.1532% | 3,324 |
| Net loans and leases to deposits | 74.0384% | 3,428 |
| Net loans and leases to core deposits | 76.6059% | 3,677 |
| Total domestic deposits to total assets | 85.2979% | 3,214 |
| Equity capital to assets | 9.5381% | 4,745 |
| Core capital (leverage) ratio | 9.2288% | 4,739 |
| Tier 1 risk-based capital ratio | 13.3787% | 4,618 |
| Total risk-based capital ratio | 14.5752% | 4,596 |
| Memoranda: | ||
| Average total assets | $21,511,066,500 | 65 |
| Average earning assets | $19,609,742,250 | 65 |
| Average equity | $2,036,680,000 | 76 |
| Average total loans | $13,532,417,500 | 64 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 5,199 |
| Cost of funding earning assets | 0.2144% | 5,793 |
| Net interest margin | 3.3675% | 4,326 |
| Noninterest income to average assets | 1.1251% | 930 |
| Noninterest expense to average assets | 3.5803% | 1,330 |
| Loan and lease loss provision to assets | -0.0857% | 6,355 |
| Net operating income to assets | 0.4684% | 4,935 |
| Return on assets (ROA) | 0.4684% | 5,010 |
| Pretax return on assets | 0.6956% | 4,657 |
| Return on Equity (ROE) | 4.9595% | 4,691 |
| Retained earnings to average equity (ytd only) | 4.9595% | 2,983 |
| Net charge-offs to loans | 0.2673% | 1,479 |
| Credit loss provision to net charge-offs | -51.2676% | 5,168 |
| Earnings coverage of net charge-offs (x) | 3.6499% | 3,247 |
| Efficiency ratio | 85.1755% | 1,361 |
| Assets per employee ($millions) | 4.6863% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5192% | 2,806 |
| Loan loss allowance to noncurrent loans | 114.5474% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 2,736 |
| Noncurrent loans to loans | 1.3263% | 2,595 |
| Net loans and leases to total assets | 61.5241% | 3,476 |
| Net loans and leases to deposits | 71.8820% | 3,585 |
| Net loans and leases to core deposits | 74.2552% | 3,813 |
| Total domestic deposits to total assets | 85.5905% | 3,250 |
| Equity capital to assets | 9.5101% | 4,736 |
| Core capital (leverage) ratio | 9.2524% | 4,662 |
| Tier 1 risk-based capital ratio | 13.8254% | 4,374 |
| Total risk-based capital ratio | 15.0248% | 4,354 |
| Memoranda: | ||
| Average total assets | $21,478,648,000 | 65 |
| Average earning assets | $19,550,180,000 | 64 |
| Average equity | $2,028,565,670 | 74 |
| Average total loans | $13,427,469,670 | 64 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5643% | 5,263 |
| Cost of funding earning assets | 0.2237% | 5,809 |
| Net interest margin | 3.3405% | 4,370 |
| Noninterest income to average assets | 1.0710% | 972 |
| Noninterest expense to average assets | 3.5125% | 1,462 |
| Loan and lease loss provision to assets | -0.0356% | 6,439 |
| Net operating income to assets | 0.4283% | 5,017 |
| Return on assets (ROA) | 0.4283% | 5,075 |
| Pretax return on assets | 0.6345% | 4,711 |
| Return on Equity (ROE) | 4.5504% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.5504% | 3,393 |
| Net charge-offs to loans | 0.2561% | 1,305 |
| Credit loss provision to net charge-offs | -22.2599% | 4,702 |
| Earnings coverage of net charge-offs (x) | 3.7394% | 2,637 |
| Efficiency ratio | 85.1440% | 1,529 |
| Assets per employee ($millions) | 4.7188% | 2,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 2,520 |
| Loan loss allowance to noncurrent loans | 90.7622% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.5164% | 2,331 |
| Noncurrent loans to loans | 1.8161% | 2,115 |
| Net loans and leases to total assets | 60.8846% | 3,417 |
| Net loans and leases to deposits | 70.7400% | 3,504 |
| Net loans and leases to core deposits | 73.2689% | 3,738 |
| Total domestic deposits to total assets | 86.0681% | 3,332 |
| Equity capital to assets | 9.2684% | 4,791 |
| Core capital (leverage) ratio | 9.1841% | 4,742 |
| Tier 1 risk-based capital ratio | 13.7301% | 4,522 |
| Total risk-based capital ratio | 15.1084% | 4,379 |
| Memoranda: | ||
| Average total assets | $21,352,900,500 | 65 |
| Average earning assets | $19,433,878,500 | 65 |
| Average equity | $2,009,570,000 | 73 |
| Average total loans | $13,353,439,000 | 63 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2098% | 3,313 |
| Cost of funding earning assets | 0.2648% | 5,873 |
| Net interest margin | 3.9450% | 2,119 |
| Noninterest income to average assets | 1.1945% | 991 |
| Noninterest expense to average assets | 3.6309% | 1,396 |
| Loan and lease loss provision to assets | -0.1538% | 6,552 |
| Net operating income to assets | 0.8055% | 3,267 |
| Return on assets (ROA) | 0.8058% | 3,363 |
| Pretax return on assets | 1.2749% | 2,251 |
| Return on Equity (ROE) | 8.8128% | 2,635 |
| Retained earnings to average equity (ytd only) | 1.9785% | 4,826 |
| Net charge-offs to loans | 0.4591% | 1,447 |
| Credit loss provision to net charge-offs | -53.1060% | 5,806 |
| Earnings coverage of net charge-offs (x) | 3.8686% | 3,730 |
| Efficiency ratio | 76.1822% | 2,745 |
| Assets per employee ($millions) | 4.5922% | 2,729 |
| Cash dividends to net income (ytd only)* | 77.5502% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7706% | 2,161 |
| Loan loss allowance to noncurrent loans | 82.0830% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.7599% | 2,108 |
| Noncurrent loans to loans | 2.1571% | 1,822 |
| Net loans and leases to total assets | 62.0798% | 3,349 |
| Net loans and leases to deposits | 72.3145% | 3,485 |
| Net loans and leases to core deposits | 74.6992% | 3,767 |
| Total domestic deposits to total assets | 85.8469% | 3,338 |
| Equity capital to assets | 9.5609% | 4,333 |
| Core capital (leverage) ratio | 9.3388% | 4,495 |
| Tier 1 risk-based capital ratio | 14.0889% | 4,234 |
| Total risk-based capital ratio | 15.4735% | 4,078 |
| Memoranda: | ||
| Average total assets | $20,966,056,600 | 62 |
| Average earning assets | $18,904,451,000 | 62 |
| Average equity | $1,916,954,000 | 73 |
| Average total loans | $13,229,989,000 | 59 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2810% | 3,075 |
| Cost of funding earning assets | 0.2727% | 5,940 |
| Net interest margin | 4.0083% | 1,912 |
| Noninterest income to average assets | 1.1678% | 1,076 |
| Noninterest expense to average assets | 3.6017% | 1,395 |
| Loan and lease loss provision to assets | -0.2511% | 6,753 |
| Net operating income to assets | 0.8970% | 2,849 |
| Return on assets (ROA) | 0.8973% | 2,966 |
| Pretax return on assets | 1.4244% | 1,852 |
| Return on Equity (ROE) | 9.9269% | 2,214 |
| Retained earnings to average equity (ytd only) | 0.7220% | 5,684 |
| Net charge-offs to loans | 0.4939% | 1,303 |
| Credit loss provision to net charge-offs | -80.5834% | 5,753 |
| Earnings coverage of net charge-offs (x) | 3.7644% | 3,617 |
| Efficiency ratio | 75.1880% | 2,875 |
| Assets per employee ($millions) | 4.7001% | 2,573 |
| Cash dividends to net income (ytd only)* | 92.7269% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8130% | 2,266 |
| Loan loss allowance to noncurrent loans | 76.4028% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.9326% | 2,101 |
| Noncurrent loans to loans | 2.3729% | 1,854 |
| Net loans and leases to total assets | 60.8509% | 3,550 |
| Net loans and leases to deposits | 71.1996% | 3,610 |
| Net loans and leases to core deposits | 73.8204% | 3,870 |
| Total domestic deposits to total assets | 85.4653% | 3,512 |
| Equity capital to assets | 8.9642% | 5,229 |
| Core capital (leverage) ratio | 9.3399% | 4,631 |
| Tier 1 risk-based capital ratio | 14.1750% | 4,299 |
| Total risk-based capital ratio | 15.5657% | 4,151 |
| Memoranda: | ||
| Average total assets | $20,993,181,000 | 62 |
| Average earning assets | $18,890,120,500 | 61 |
| Average equity | $1,897,650,750 | 72 |
| Average total loans | $13,242,056,000 | 60 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 2,542 |
| Cost of funding earning assets | 0.2855% | 5,939 |
| Net interest margin | 4.1199% | 1,490 |
| Noninterest income to average assets | 1.1183% | 1,216 |
| Noninterest expense to average assets | 3.6155% | 1,382 |
| Loan and lease loss provision to assets | -0.3042% | 6,834 |
| Net operating income to assets | 0.9595% | 2,513 |
| Return on assets (ROA) | 0.9600% | 2,660 |
| Pretax return on assets | 1.5072% | 1,596 |
| Return on Equity (ROE) | 10.5900% | 1,971 |
| Retained earnings to average equity (ytd only) | 1.7371% | 5,143 |
| Net charge-offs to loans | 0.5454% | 1,210 |
| Credit loss provision to net charge-offs | -87.9245% | 5,603 |
| Earnings coverage of net charge-offs (x) | 3.4745% | 3,380 |
| Efficiency ratio | 74.7896% | 2,975 |
| Assets per employee ($millions) | 4.5427% | 2,754 |
| Cash dividends to net income (ytd only)* | 83.5970% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9626% | 1,939 |
| Loan loss allowance to noncurrent loans | 67.7309% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.3784% | 1,799 |
| Noncurrent loans to loans | 2.8976% | 1,554 |
| Net loans and leases to total assets | 61.5903% | 3,371 |
| Net loans and leases to deposits | 71.5506% | 3,518 |
| Net loans and leases to core deposits | 74.1646% | 3,786 |
| Total domestic deposits to total assets | 86.0793% | 3,316 |
| Equity capital to assets | 9.0670% | 5,150 |
| Core capital (leverage) ratio | 9.4116% | 4,373 |
| Tier 1 risk-based capital ratio | 14.3790% | 4,174 |
| Total risk-based capital ratio | 15.7771% | 4,054 |
| Memoranda: | ||
| Average total assets | $20,936,038,330 | 61 |
| Average earning assets | $18,799,360,000 | 61 |
| Average equity | $1,897,788,670 | 71 |
| Average total loans | $13,283,855,000 | 60 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 1,532 |
| Cost of funding earning assets | 0.3004% | 5,963 |
| Net interest margin | 4.4013% | 803 |
| Noninterest income to average assets | 1.0313% | 1,395 |
| Noninterest expense to average assets | 3.6455% | 1,345 |
| Loan and lease loss provision to assets | -0.3556% | 6,929 |
| Net operating income to assets | 1.0784% | 1,939 |
| Return on assets (ROA) | 1.0792% | 2,042 |
| Pretax return on assets | 1.6857% | 1,111 |
| Return on Equity (ROE) | 11.9066% | 1,450 |
| Retained earnings to average equity (ytd only) | -3.2774% | 6,209 |
| Net charge-offs to loans | 0.8211% | 733 |
| Credit loss provision to net charge-offs | -67.9225% | 5,091 |
| Earnings coverage of net charge-offs (x) | 2.5383% | 3,009 |
| Efficiency ratio | 73.0268% | 3,440 |
| Assets per employee ($millions) | 4.5780% | 2,838 |
| Cash dividends to net income (ytd only)* | 127.5260% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0656% | 1,878 |
| Loan loss allowance to noncurrent loans | 65.4013% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 2.6586% | 1,710 |
| Noncurrent loans to loans | 3.1584% | 1,564 |
| Net loans and leases to total assets | 61.7893% | 3,107 |
| Net loans and leases to deposits | 71.6108% | 3,234 |
| Net loans and leases to core deposits | 74.4776% | 3,521 |
| Total domestic deposits to total assets | 86.2849% | 3,367 |
| Equity capital to assets | 9.0158% | 5,467 |
| Core capital (leverage) ratio | 9.2932% | 4,411 |
| Tier 1 risk-based capital ratio | 14.2752% | 4,305 |
| Total risk-based capital ratio | 15.8661% | 4,059 |
| Memoranda: | ||
| Average total assets | $20,928,579,500 | 61 |
| Average earning assets | $18,749,993,000 | 61 |
| Average equity | $1,896,866,500 | 72 |
| Average total loans | $13,344,750,500 | 59 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4420% | 698 |
| Cost of funding earning assets | 0.4077% | 5,863 |
| Net interest margin | 5.0343% | 368 |
| Noninterest income to average assets | 0.7853% | 2,330 |
| Noninterest expense to average assets | 3.5372% | 1,741 |
| Loan and lease loss provision to assets | 0.6871% | 759 |
| Net operating income to assets | 0.6956% | 3,760 |
| Return on assets (ROA) | 0.6958% | 4,014 |
| Pretax return on assets | 1.0274% | 3,449 |
| Return on Equity (ROE) | 7.4007% | 3,411 |
| Retained earnings to average equity (ytd only) | -1.7849% | 6,132 |
| Net charge-offs to loans | 0.6890% | 1,716 |
| Credit loss provision to net charge-offs | 151.9875% | 1,789 |
| Earnings coverage of net charge-offs (x) | 3.7920% | 3,602 |
| Efficiency ratio | 67.0377% | 4,322 |
| Assets per employee ($millions) | 4.5791% | 2,821 |
| Cash dividends to net income (ytd only)* | 124.1174% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3680% | 1,283 |
| Loan loss allowance to noncurrent loans | 70.3369% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 2.8313% | 1,690 |
| Noncurrent loans to loans | 3.3666% | 1,503 |
| Net loans and leases to total assets | 62.9096% | 3,074 |
| Net loans and leases to deposits | 72.6743% | 3,303 |
| Net loans and leases to core deposits | 75.6865% | 3,578 |
| Total domestic deposits to total assets | 86.5637% | 3,067 |
| Equity capital to assets | 9.1113% | 5,393 |
| Core capital (leverage) ratio | 9.3285% | 4,362 |
| Tier 1 risk-based capital ratio | 14.3302% | 4,145 |
| Total risk-based capital ratio | 15.9268% | 3,870 |
| Memoranda: | ||
| Average total assets | $20,795,278,400 | 60 |
| Average earning assets | $18,448,926,400 | 60 |
| Average equity | $1,955,116,400 | 72 |
| Average total loans | $13,645,447,000 | 56 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 1,125 |
| Cost of funding earning assets | 0.4272% | 5,947 |
| Net interest margin | 4.8097% | 555 |
| Noninterest income to average assets | 0.8987% | 1,830 |
| Noninterest expense to average assets | 3.4991% | 1,761 |
| Loan and lease loss provision to assets | 0.5008% | 1,224 |
| Net operating income to assets | 0.8038% | 3,434 |
| Return on assets (ROA) | 0.8039% | 3,676 |
| Pretax return on assets | 1.1637% | 3,118 |
| Return on Equity (ROE) | 8.4849% | 3,051 |
| Retained earnings to average equity (ytd only) | -2.8711% | 6,472 |
| Net charge-offs to loans | 0.6973% | 1,582 |
| Credit loss provision to net charge-offs | 108.9531% | 2,695 |
| Earnings coverage of net charge-offs (x) | 3.6207% | 3,574 |
| Efficiency ratio | 67.4310% | 4,188 |
| Assets per employee ($millions) | 4.6677% | 2,644 |
| Cash dividends to net income (ytd only)* | 133.8381% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0590% | 2,011 |
| Loan loss allowance to noncurrent loans | 57.5282% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 3.0449% | 1,711 |
| Noncurrent loans to loans | 3.5791% | 1,514 |
| Net loans and leases to total assets | 63.2335% | 3,170 |
| Net loans and leases to deposits | 73.4432% | 3,375 |
| Net loans and leases to core deposits | 77.0122% | 3,603 |
| Total domestic deposits to total assets | 86.0985% | 3,197 |
| Equity capital to assets | 9.2618% | 5,517 |
| Core capital (leverage) ratio | 9.3522% | 4,501 |
| Tier 1 risk-based capital ratio | 14.4695% | 4,208 |
| Total risk-based capital ratio | 16.0706% | 3,924 |
| Memoranda: | ||
| Average total assets | $20,767,052,750 | 60 |
| Average earning assets | $18,414,321,000 | 61 |
| Average equity | $1,967,643,750 | 73 |
| Average total loans | $13,688,743,500 | 58 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3009% | 1,057 |
| Cost of funding earning assets | 0.4434% | 6,010 |
| Net interest margin | 4.8575% | 509 |
| Noninterest income to average assets | 0.8836% | 1,849 |
| Noninterest expense to average assets | 3.5097% | 1,763 |
| Loan and lease loss provision to assets | 0.5819% | 1,036 |
| Net operating income to assets | 0.7734% | 3,501 |
| Return on assets (ROA) | 0.7734% | 3,775 |
| Pretax return on assets | 1.0909% | 3,336 |
| Return on Equity (ROE) | 8.1021% | 3,210 |
| Retained earnings to average equity (ytd only) | 4.8107% | 3,403 |
| Net charge-offs to loans | 0.8363% | 1,322 |
| Credit loss provision to net charge-offs | 104.8354% | 2,594 |
| Earnings coverage of net charge-offs (x) | 3.0139% | 3,544 |
| Efficiency ratio | 67.3779% | 4,260 |
| Assets per employee ($millions) | 4.4943% | 2,910 |
| Cash dividends to net income (ytd only)* | 40.6245% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0159% | 2,188 |
| Loan loss allowance to noncurrent loans | 44.8695% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 3.6571% | 1,438 |
| Noncurrent loans to loans | 4.4928% | 1,180 |
| Net loans and leases to total assets | 63.5064% | 3,147 |
| Net loans and leases to deposits | 74.4605% | 3,216 |
| Net loans and leases to core deposits | 78.2651% | 3,472 |
| Total domestic deposits to total assets | 85.2886% | 3,716 |
| Equity capital to assets | 9.6066% | 4,906 |
| Core capital (leverage) ratio | 9.7649% | 3,761 |
| Tier 1 risk-based capital ratio | 15.1629% | 3,656 |
| Total risk-based capital ratio | 16.7678% | 3,395 |
| Memoranda: | ||
| Average total assets | $20,754,831,330 | 59 |
| Average earning assets | $18,368,179,670 | 62 |
| Average equity | $1,981,260,330 | 70 |
| Average total loans | $13,774,497,670 | 58 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4069% | 897 |
| Cost of funding earning assets | 0.4620% | 6,067 |
| Net interest margin | 4.9449% | 438 |
| Noninterest income to average assets | 0.8857% | 1,813 |
| Noninterest expense to average assets | 3.5115% | 1,740 |
| Loan and lease loss provision to assets | 0.5939% | 968 |
| Net operating income to assets | 0.7496% | 3,624 |
| Return on assets (ROA) | 0.7496% | 3,863 |
| Pretax return on assets | 1.1392% | 3,167 |
| Return on Equity (ROE) | 7.8778% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.3163% | 3,372 |
| Net charge-offs to loans | 0.8165% | 1,259 |
| Credit loss provision to net charge-offs | 108.3078% | 2,160 |
| Earnings coverage of net charge-offs (x) | 3.1607% | 2,936 |
| Efficiency ratio | 66.6019% | 4,444 |
| Assets per employee ($millions) | 4.3686% | 3,261 |
| Cash dividends to net income (ytd only)* | 32.5157% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9822% | 2,413 |
| Loan loss allowance to noncurrent loans | 42.2572% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 3.9677% | 1,397 |
| Noncurrent loans to loans | 4.6907% | 1,213 |
| Net loans and leases to total assets | 64.7733% | 2,698 |
| Net loans and leases to deposits | 75.8080% | 2,825 |
| Net loans and leases to core deposits | 80.3125% | 3,038 |
| Total domestic deposits to total assets | 85.4439% | 3,820 |
| Equity capital to assets | 9.5198% | 4,775 |
| Core capital (leverage) ratio | 9.7644% | 3,694 |
| Tier 1 risk-based capital ratio | 15.0190% | 3,748 |
| Total risk-based capital ratio | 16.8161% | 3,375 |
| Memoranda: | ||
| Average total assets | $20,687,586,500 | 60 |
| Average earning assets | $18,236,036,500 | 62 |
| Average equity | $1,968,512,000 | 72 |
| Average total loans | $13,892,257,000 | 59 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5966% | 961 |
| Cost of funding earning assets | 0.6741% | 5,690 |
| Net interest margin | 4.9225% | 485 |
| Noninterest income to average assets | 2.0362% | 365 |
| Noninterest expense to average assets | 3.6759% | 1,581 |
| Loan and lease loss provision to assets | 1.1200% | 810 |
| Net operating income to assets | 0.9957% | 2,213 |
| Return on assets (ROA) | 0.9947% | 2,360 |
| Pretax return on assets | 1.5796% | 1,254 |
| Return on Equity (ROE) | 10.6708% | 1,812 |
| Retained earnings to average equity (ytd only) | 6.3874% | 1,810 |
| Net charge-offs to loans | 1.3576% | 1,219 |
| Credit loss provision to net charge-offs | 122.3167% | 2,586 |
| Earnings coverage of net charge-offs (x) | 2.9500% | 3,731 |
| Efficiency ratio | 57.3111% | 6,146 |
| Assets per employee ($millions) | 4.2512% | 3,360 |
| Cash dividends to net income (ytd only)* | 40.1411% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9245% | 2,492 |
| Loan loss allowance to noncurrent loans | 40.5743% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 4.1524% | 1,368 |
| Noncurrent loans to loans | 4.7432% | 1,231 |
| Net loans and leases to total assets | 66.9209% | 2,604 |
| Net loans and leases to deposits | 78.2346% | 2,798 |
| Net loans and leases to core deposits | 83.0165% | 3,020 |
| Total domestic deposits to total assets | 85.5388% | 3,571 |
| Equity capital to assets | 9.5110% | 4,875 |
| Core capital (leverage) ratio | 9.5161% | 4,000 |
| Tier 1 risk-based capital ratio | 14.7214% | 3,818 |
| Total risk-based capital ratio | 16.5182% | 3,432 |
| Memoranda: | ||
| Average total assets | $20,739,684,000 | 60 |
| Average earning assets | $18,288,887,250 | 60 |
| Average equity | $1,933,355,800 | 71 |
| Average total loans | $13,987,582,800 | 57 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4135% | 1,475 |
| Cost of funding earning assets | 0.7144% | 5,676 |
| Net interest margin | 4.6991% | 765 |
| Noninterest income to average assets | 2.1603% | 342 |
| Noninterest expense to average assets | 3.5819% | 1,749 |
| Loan and lease loss provision to assets | 0.9176% | 967 |
| Net operating income to assets | 1.1371% | 1,855 |
| Return on assets (ROA) | 1.1358% | 1,980 |
| Pretax return on assets | 1.8141% | 933 |
| Return on Equity (ROE) | 12.2451% | 1,478 |
| Retained earnings to average equity (ytd only) | 9.6292% | 947 |
| Net charge-offs to loans | 1.1125% | 1,426 |
| Credit loss provision to net charge-offs | 122.6560% | 2,632 |
| Earnings coverage of net charge-offs (x) | 3.6543% | 3,348 |
| Efficiency ratio | 56.3749% | 6,231 |
| Assets per employee ($millions) | 4.2220% | 3,405 |
| Cash dividends to net income (ytd only)* | 21.3628% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,998 |
| Loan loss allowance to noncurrent loans | 36.9378% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 4.2752% | 1,425 |
| Noncurrent loans to loans | 4.8326% | 1,327 |
| Net loans and leases to total assets | 67.4909% | 2,574 |
| Net loans and leases to deposits | 79.1334% | 2,785 |
| Net loans and leases to core deposits | 84.7178% | 2,951 |
| Total domestic deposits to total assets | 85.2875% | 3,626 |
| Equity capital to assets | 9.6882% | 4,795 |
| Core capital (leverage) ratio | 9.5139% | 4,129 |
| Tier 1 risk-based capital ratio | 15.0381% | 3,642 |
| Total risk-based capital ratio | 16.8426% | 3,297 |
| Memoranda: | ||
| Average total assets | $20,781,667,500 | 60 |
| Average earning assets | $18,377,049,670 | 60 |
| Average equity | $1,927,549,750 | 70 |
| Average total loans | $13,975,243,250 | 56 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 1,736 |
| Cost of funding earning assets | 0.7423% | 5,715 |
| Net interest margin | 4.6013% | 906 |
| Noninterest income to average assets | 1.8037% | 417 |
| Noninterest expense to average assets | 3.5451% | 1,869 |
| Loan and lease loss provision to assets | 0.9460% | 933 |
| Net operating income to assets | 0.8821% | 2,728 |
| Return on assets (ROA) | 0.8784% | 2,838 |
| Pretax return on assets | 1.3896% | 1,822 |
| Return on Equity (ROE) | 9.6122% | 2,261 |
| Retained earnings to average equity (ytd only) | 6.9595% | 1,896 |
| Net charge-offs to loans | 1.0961% | 1,439 |
| Credit loss provision to net charge-offs | 129.2796% | 2,361 |
| Earnings coverage of net charge-offs (x) | 3.1997% | 3,271 |
| Efficiency ratio | 59.8646% | 5,891 |
| Assets per employee ($millions) | 4.1711% | 3,410 |
| Cash dividends to net income (ytd only)* | 27.5969% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7879% | 3,034 |
| Loan loss allowance to noncurrent loans | 43.9439% | 5,389 |
| Noncurrent assets plus other real estate owned to assets | 3.6319% | 1,810 |
| Noncurrent loans to loans | 4.0687% | 1,697 |
| Net loans and leases to total assets | 66.0448% | 3,015 |
| Net loans and leases to deposits | 77.7096% | 3,175 |
| Net loans and leases to core deposits | 84.3675% | 3,152 |
| Total domestic deposits to total assets | 84.9893% | 3,885 |
| Equity capital to assets | 9.2981% | 5,135 |
| Core capital (leverage) ratio | 9.1987% | 4,403 |
| Tier 1 risk-based capital ratio | 14.7117% | 3,665 |
| Total risk-based capital ratio | 16.5273% | 3,316 |
| Memoranda: | ||
| Average total assets | $20,801,634,330 | 62 |
| Average earning assets | $18,457,656,500 | 62 |
| Average equity | $1,900,877,000 | 72 |
| Average total loans | $13,887,162,330 | 56 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3136% | 1,823 |
| Cost of funding earning assets | 0.7703% | 5,750 |
| Net interest margin | 4.5433% | 975 |
| Noninterest income to average assets | 2.4080% | 284 |
| Noninterest expense to average assets | 3.5526% | 1,869 |
| Loan and lease loss provision to assets | 0.8541% | 965 |
| Net operating income to assets | 1.2817% | 1,319 |
| Return on assets (ROA) | 1.2755% | 1,376 |
| Pretax return on assets | 2.0427% | 521 |
| Return on Equity (ROE) | 14.0807% | 977 |
| Retained earnings to average equity (ytd only) | 11.4049% | 827 |
| Net charge-offs to loans | 1.1443% | 1,210 |
| Credit loss provision to net charge-offs | 112.2086% | 2,389 |
| Earnings coverage of net charge-offs (x) | 3.8188% | 2,623 |
| Efficiency ratio | 54.6523% | 6,633 |
| Assets per employee ($millions) | 4.2636% | 3,310 |
| Cash dividends to net income (ytd only)* | 19.0033% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6498% | 3,529 |
| Loan loss allowance to noncurrent loans | 36.6001% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 3.8605% | 1,732 |
| Noncurrent loans to loans | 4.5075% | 1,550 |
| Net loans and leases to total assets | 66.1690% | 2,966 |
| Net loans and leases to deposits | 77.7669% | 3,101 |
| Net loans and leases to core deposits | 84.7863% | 3,060 |
| Total domestic deposits to total assets | 85.0864% | 3,994 |
| Equity capital to assets | 9.1096% | 5,026 |
| Core capital (leverage) ratio | 8.9832% | 4,639 |
| Tier 1 risk-based capital ratio | 14.6915% | 3,617 |
| Total risk-based capital ratio | 16.7049% | 3,130 |
| Memoranda: | ||
| Average total assets | $20,803,948,500 | 62 |
| Average earning assets | $18,550,881,000 | 62 |
| Average equity | $1,884,455,000 | 72 |
| Average total loans | $13,838,043,000 | 57 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4369% | 2,516 |
| Cost of funding earning assets | 0.8605% | 6,337 |
| Net interest margin | 4.5764% | 1,059 |
| Noninterest income to average assets | 2.1805% | 343 |
| Noninterest expense to average assets | 3.6168% | 1,887 |
| Loan and lease loss provision to assets | 0.7065% | 2,321 |
| Net operating income to assets | 1.1700% | 1,486 |
| Return on assets (ROA) | 1.1743% | 1,552 |
| Pretax return on assets | 1.8527% | 679 |
| Return on Equity (ROE) | 13.9392% | 893 |
| Retained earnings to average equity (ytd only) | 10.5557% | 432 |
| Net charge-offs to loans | 0.6232% | 3,163 |
| Credit loss provision to net charge-offs | 174.4817% | 1,923 |
| Earnings coverage of net charge-offs (x) | 6.3042% | 2,388 |
| Efficiency ratio | 58.0566% | 6,329 |
| Assets per employee ($millions) | 4.0662% | 3,647 |
| Cash dividends to net income (ytd only)* | 24.2730% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6344% | 3,450 |
| Loan loss allowance to noncurrent loans | 30.6751% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 4.1241% | 1,638 |
| Noncurrent loans to loans | 5.3280% | 1,241 |
| Net loans and leases to total assets | 62.0705% | 4,271 |
| Net loans and leases to deposits | 71.5788% | 4,590 |
| Net loans and leases to core deposits | 76.2799% | 4,666 |
| Total domestic deposits to total assets | 86.7164% | 2,968 |
| Equity capital to assets | 8.5820% | 5,746 |
| Core capital (leverage) ratio | 8.3879% | 5,561 |
| Tier 1 risk-based capital ratio | 14.4793% | 3,559 |
| Total risk-based capital ratio | 16.6768% | 2,991 |
| Memoranda: | ||
| Average total assets | $17,690,947,400 | 67 |
| Average earning assets | $15,419,639,600 | 68 |
| Average equity | $1,490,310,400 | 83 |
| Average total loans | $11,494,404,800 | 68 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1926% | 3,866 |
| Cost of funding earning assets | 0.8968% | 6,403 |
| Net interest margin | 4.2957% | 1,863 |
| Noninterest income to average assets | 2.5860% | 266 |
| Noninterest expense to average assets | 3.5222% | 1,985 |
| Loan and lease loss provision to assets | 0.7132% | 2,139 |
| Net operating income to assets | 1.3138% | 1,311 |
| Return on assets (ROA) | 1.3192% | 1,374 |
| Pretax return on assets | 2.0997% | 499 |
| Return on Equity (ROE) | 15.7350% | 742 |
| Retained earnings to average equity (ytd only) | 12.3252% | 424 |
| Net charge-offs to loans | 0.5805% | 2,996 |
| Credit loss provision to net charge-offs | 187.7082% | 1,920 |
| Earnings coverage of net charge-offs (x) | 7.3809% | 2,343 |
| Efficiency ratio | 55.1089% | 6,670 |
| Assets per employee ($millions) | 4.0785% | 3,685 |
| Cash dividends to net income (ytd only)* | 21.6700% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 3,904 |
| Loan loss allowance to noncurrent loans | 26.6369% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 4.2896% | 1,590 |
| Noncurrent loans to loans | 5.6817% | 1,156 |
| Net loans and leases to total assets | 63.0216% | 4,318 |
| Net loans and leases to deposits | 73.0697% | 4,676 |
| Net loans and leases to core deposits | 78.1078% | 4,791 |
| Total domestic deposits to total assets | 86.2486% | 2,950 |
| Equity capital to assets | 8.4526% | 6,333 |
| Core capital (leverage) ratio | 8.2440% | 5,969 |
| Tier 1 risk-based capital ratio | 14.1852% | 3,698 |
| Total risk-based capital ratio | 16.3701% | 3,174 |
| Memoranda: | ||
| Average total assets | $17,637,835,750 | 67 |
| Average earning assets | $15,357,795,000 | 70 |
| Average equity | $1,478,772,750 | 83 |
| Average total loans | $11,543,662,750 | 68 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 6,350 |
| Cost of funding earning assets | 0.9198% | 6,502 |
| Net interest margin | 3.7169% | 4,284 |
| Noninterest income to average assets | 3.3109% | 203 |
| Noninterest expense to average assets | 3.5160% | 1,992 |
| Loan and lease loss provision to assets | 0.4578% | 3,031 |
| Net operating income to assets | 1.6094% | 718 |
| Return on assets (ROA) | 1.6177% | 752 |
| Pretax return on assets | 2.5878% | 204 |
| Return on Equity (ROE) | 19.3492% | 366 |
| Retained earnings to average equity (ytd only) | 15.8990% | 199 |
| Net charge-offs to loans | 0.4338% | 3,256 |
| Credit loss provision to net charge-offs | 160.0184% | 2,458 |
| Earnings coverage of net charge-offs (x) | 10.6010% | 1,867 |
| Efficiency ratio | 53.1381% | 6,966 |
| Assets per employee ($millions) | 3.9880% | 3,794 |
| Cash dividends to net income (ytd only)* | 17.8312% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 5,253 |
| Loan loss allowance to noncurrent loans | 25.4761% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 3.7902% | 1,839 |
| Noncurrent loans to loans | 4.8564% | 1,446 |
| Net loans and leases to total assets | 64.3171% | 4,195 |
| Net loans and leases to deposits | 74.6795% | 4,571 |
| Net loans and leases to core deposits | 79.0722% | 4,794 |
| Total domestic deposits to total assets | 86.1242% | 3,016 |
| Equity capital to assets | 8.3145% | 6,411 |
| Core capital (leverage) ratio | 8.0012% | 6,275 |
| Tier 1 risk-based capital ratio | 13.7346% | 3,917 |
| Total risk-based capital ratio | 15.9049% | 3,331 |
| Memoranda: | ||
| Average total assets | $17,480,947,000 | 65 |
| Average earning assets | $15,228,023,670 | 70 |
| Average equity | $1,461,486,000 | 81 |
| Average total loans | $11,529,004,670 | 67 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 6,751 |
| Cost of funding earning assets | 0.8939% | 6,794 |
| Net interest margin | 3.6264% | 4,593 |
| Noninterest income to average assets | 4.8436% | 142 |
| Noninterest expense to average assets | 3.4846% | 2,024 |
| Loan and lease loss provision to assets | 0.3050% | 3,598 |
| Net operating income to assets | 2.6000% | 127 |
| Return on assets (ROA) | 2.6169% | 134 |
| Pretax return on assets | 4.2372% | 71 |
| Return on Equity (ROE) | 31.2102% | 80 |
| Retained earnings to average equity (ytd only) | 27.7022% | 83 |
| Net charge-offs to loans | 0.3256% | 3,108 |
| Credit loss provision to net charge-offs | 141.1009% | 2,516 |
| Earnings coverage of net charge-offs (x) | 20.8888% | 1,143 |
| Efficiency ratio | 43.0947% | 7,646 |
| Assets per employee ($millions) | 4.1882% | 3,482 |
| Cash dividends to net income (ytd only)* | 11.2400% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 5,932 |
| Loan loss allowance to noncurrent loans | 22.7445% | 6,865 |
| Noncurrent assets plus other real estate owned to assets | 3.8868% | 1,777 |
| Noncurrent loans to loans | 4.9098% | 1,480 |
| Net loans and leases to total assets | 64.7097% | 4,165 |
| Net loans and leases to deposits | 76.0651% | 4,402 |
| Net loans and leases to core deposits | 79.9764% | 4,765 |
| Total domestic deposits to total assets | 85.0714% | 3,642 |
| Equity capital to assets | 8.0579% | 6,592 |
| Core capital (leverage) ratio | 8.4589% | 5,447 |
| Tier 1 risk-based capital ratio | 13.6283% | 3,909 |
| Total risk-based capital ratio | 16.0304% | 3,176 |
| Memoranda: | ||
| Average total assets | $17,142,823,500 | 66 |
| Average earning assets | $14,922,730,500 | 68 |
| Average equity | $1,437,390,000 | 82 |
| Average total loans | $11,381,268,000 | 66 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 7,344 |
| Cost of funding earning assets | 1.1576% | 6,801 |
| Net interest margin | 3.3852% | 5,427 |
| Noninterest income to average assets | 2.6574% | 257 |
| Noninterest expense to average assets | 3.8043% | 1,690 |
| Loan and lease loss provision to assets | 0.2878% | 5,128 |
| Net operating income to assets | 1.0068% | 1,816 |
| Return on assets (ROA) | 1.0073% | 1,864 |
| Pretax return on assets | 1.5782% | 1,008 |
| Return on Equity (ROE) | 11.4049% | 1,318 |
| Retained earnings to average equity (ytd only) | 6.8069% | 1,032 |
| Net charge-offs to loans | 0.3518% | 4,472 |
| Credit loss provision to net charge-offs | 122.4930% | 4,316 |
| Earnings coverage of net charge-offs (x) | 7.9401% | 2,034 |
| Efficiency ratio | 66.8708% | 5,212 |
| Assets per employee ($millions) | 3.7244% | 4,463 |
| Cash dividends to net income (ytd only)* | 40.3160% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 5,353 |
| Loan loss allowance to noncurrent loans | 149.1333% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 1.3319% | 4,431 |
| Noncurrent loans to loans | 0.8055% | 5,669 |
| Net loans and leases to total assets | 66.6921% | 3,991 |
| Net loans and leases to deposits | 78.5202% | 4,272 |
| Net loans and leases to core deposits | 91.1362% | 5,000 |
| Total domestic deposits to total assets | 84.9362% | 3,580 |
| Equity capital to assets | 8.7673% | 5,486 |
| Core capital (leverage) ratio | 8.6200% | 5,065 |
| Tier 1 risk-based capital ratio | 11.7208% | 5,176 |
| Total risk-based capital ratio | 13.9982% | 4,270 |
| Memoranda: | ||
| Average total assets | $14,899,544,600 | 73 |
| Average earning assets | $13,257,871,800 | 71 |
| Average equity | $1,315,942,000 | 90 |
| Average total loans | $9,949,095,200 | 70 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5418% | 7,465 |
| Cost of funding earning assets | 1.2268% | 6,813 |
| Net interest margin | 3.3150% | 5,583 |
| Noninterest income to average assets | 2.9182% | 230 |
| Noninterest expense to average assets | 3.8128% | 1,570 |
| Loan and lease loss provision to assets | 0.2822% | 4,721 |
| Net operating income to assets | 1.1309% | 1,635 |
| Return on assets (ROA) | 1.1315% | 1,707 |
| Pretax return on assets | 1.7843% | 829 |
| Return on Equity (ROE) | 12.7863% | 1,148 |
| Retained earnings to average equity (ytd only) | 8.3858% | 1,014 |
| Net charge-offs to loans | 0.3472% | 3,902 |
| Credit loss provision to net charge-offs | 122.0991% | 4,152 |
| Earnings coverage of net charge-offs (x) | 8.9367% | 2,178 |
| Efficiency ratio | 64.6566% | 5,625 |
| Assets per employee ($millions) | 3.8795% | 3,994 |
| Cash dividends to net income (ytd only)* | 34.4157% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 5,235 |
| Loan loss allowance to noncurrent loans | 88.6304% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 1.6321% | 3,913 |
| Noncurrent loans to loans | 1.3297% | 4,712 |
| Net loans and leases to total assets | 66.6900% | 4,262 |
| Net loans and leases to deposits | 78.9990% | 4,559 |
| Net loans and leases to core deposits | 91.9065% | 5,240 |
| Total domestic deposits to total assets | 84.4187% | 3,523 |
| Equity capital to assets | 8.5320% | 6,211 |
| Core capital (leverage) ratio | 8.9098% | 4,795 |
| Tier 1 risk-based capital ratio | 12.4468% | 4,590 |
| Total risk-based capital ratio | 14.8244% | 3,731 |
| Memoranda: | ||
| Average total assets | $14,674,723,250 | 77 |
| Average earning assets | $13,104,442,750 | 76 |
| Average equity | $1,298,643,500 | 96 |
| Average total loans | $9,770,199,750 | 76 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5063% | 7,624 |
| Cost of funding earning assets | 1.3056% | 6,786 |
| Net interest margin | 3.2007% | 5,911 |
| Noninterest income to average assets | 1.9889% | 376 |
| Noninterest expense to average assets | 3.8630% | 1,552 |
| Loan and lease loss provision to assets | 0.2847% | 4,301 |
| Net operating income to assets | 0.4845% | 4,144 |
| Return on assets (ROA) | 0.4845% | 4,261 |
| Pretax return on assets | 0.7207% | 3,934 |
| Return on Equity (ROE) | 5.4036% | 3,904 |
| Retained earnings to average equity (ytd only) | 1.4688% | 4,508 |
| Net charge-offs to loans | 0.3532% | 3,421 |
| Credit loss provision to net charge-offs | 121.6713% | 3,816 |
| Earnings coverage of net charge-offs (x) | 4.2973% | 3,143 |
| Efficiency ratio | 79.0989% | 3,178 |
| Assets per employee ($millions) | 3.6553% | 4,442 |
| Cash dividends to net income (ytd only)* | 72.8186% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 4,229 |
| Loan loss allowance to noncurrent loans | 258.3476% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 6,489 |
| Noncurrent loans to loans | 0.5062% | 6,261 |
| Net loans and leases to total assets | 64.0058% | 4,978 |
| Net loans and leases to deposits | 75.7516% | 5,206 |
| Net loans and leases to core deposits | 89.9210% | 5,541 |
| Total domestic deposits to total assets | 84.4943% | 3,505 |
| Equity capital to assets | 8.7458% | 5,691 |
| Core capital (leverage) ratio | 8.7363% | 5,029 |
| Tier 1 risk-based capital ratio | 12.6321% | 4,412 |
| Total risk-based capital ratio | 15.1017% | 3,541 |
| Memoranda: | ||
| Average total assets | $14,291,465,330 | 85 |
| Average earning assets | $12,856,940,670 | 83 |
| Average equity | $1,281,476,000 | 101 |
| Average total loans | $9,467,195,000 | 85 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5753% | 7,642 |
| Cost of funding earning assets | 1.3537% | 6,862 |
| Net interest margin | 3.2216% | 5,789 |
| Noninterest income to average assets | 1.9847% | 370 |
| Noninterest expense to average assets | 3.8670% | 1,354 |
| Loan and lease loss provision to assets | 0.2658% | 3,838 |
| Net operating income to assets | 0.5083% | 4,380 |
| Return on assets (ROA) | 0.5083% | 4,568 |
| Pretax return on assets | 0.7573% | 4,226 |
| Return on Equity (ROE) | 5.5975% | 4,216 |
| Retained earnings to average equity (ytd only) | 1.6693% | 4,911 |
| Net charge-offs to loans | 0.3336% | 2,760 |
| Credit loss provision to net charge-offs | 118.9867% | 3,295 |
| Earnings coverage of net charge-offs (x) | 4.5796% | 2,855 |
| Efficiency ratio | 78.7996% | 3,033 |
| Assets per employee ($millions) | 3.5922% | 4,582 |
| Cash dividends to net income (ytd only)* | 70.1776% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2904% | 4,123 |
| Loan loss allowance to noncurrent loans | 320.8709% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3227% | 6,542 |
| Noncurrent loans to loans | 0.4022% | 6,410 |
| Net loans and leases to total assets | 64.6270% | 4,880 |
| Net loans and leases to deposits | 76.2081% | 5,193 |
| Net loans and leases to core deposits | 91.2475% | 5,434 |
| Total domestic deposits to total assets | 84.8033% | 3,300 |
| Equity capital to assets | 8.8930% | 5,489 |
| Core capital (leverage) ratio | 9.0142% | 4,689 |
| Tier 1 risk-based capital ratio | 12.6558% | 4,430 |
| Total risk-based capital ratio | 15.1772% | 3,555 |
| Memoranda: | ||
| Average total assets | $14,135,670,000 | 87 |
| Average earning assets | $12,748,480,500 | 85 |
| Average equity | $1,283,638,000 | 100 |
| Average total loans | $9,465,466,000 | 87 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4871% | 7,334 |
| Cost of funding earning assets | 1.8235% | 6,946 |
| Net interest margin | 3.6636% | 4,629 |
| Noninterest income to average assets | 2.1913% | 298 |
| Noninterest expense to average assets | 3.8638% | 1,633 |
| Loan and lease loss provision to assets | 0.2121% | 4,772 |
| Net operating income to assets | 0.8874% | 3,052 |
| Return on assets (ROA) | 0.9255% | 2,746 |
| Pretax return on assets | 1.4176% | 1,918 |
| Return on Equity (ROE) | 9.6666% | 2,371 |
| Retained earnings to average equity (ytd only) | 5.4994% | 1,767 |
| Net charge-offs to loans | 0.2426% | 3,837 |
| Credit loss provision to net charge-offs | 131.0849% | 4,062 |
| Earnings coverage of net charge-offs (x) | 9.7092% | 2,649 |
| Efficiency ratio | 70.8163% | 4,175 |
| Assets per employee ($millions) | 3.3953% | 4,958 |
| Cash dividends to net income (ytd only)* | 43.1093% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 4,017 |
| Loan loss allowance to noncurrent loans | 391.9609% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 6,526 |
| Noncurrent loans to loans | 0.3230% | 6,405 |
| Net loans and leases to total assets | 67.6426% | 4,528 |
| Net loans and leases to deposits | 79.6810% | 5,103 |
| Net loans and leases to core deposits | 94.4501% | 5,408 |
| Total domestic deposits to total assets | 84.8918% | 2,891 |
| Equity capital to assets | 9.2761% | 4,965 |
| Core capital (leverage) ratio | 9.1576% | 4,511 |
| Tier 1 risk-based capital ratio | 12.5947% | 4,373 |
| Total risk-based capital ratio | 15.0652% | 3,563 |
| Memoranda: | ||
| Average total assets | $13,732,639,800 | 89 |
| Average earning assets | $12,158,766,000 | 87 |
| Average equity | $1,314,743,400 | 92 |
| Average total loans | $9,161,459,400 | 88 |