Home > First Hawaiian Bank > Performance and Condition Ratios
First Hawaiian Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 3,581 |
| Cost of funding earning assets | 1.3159% | 2,470 |
| Net interest margin | 2.9116% | 3,455 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 1.9853% | 3,667 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9743% | 2,295 |
| Return on assets (ROA) | 0.9780% | 2,273 |
| Pretax return on assets | 1.2770% | 1,939 |
| Return on Equity (ROE) | 10.3300% | 2,397 |
| Retained earnings to average equity (ytd only) | 4.3793% | 2,837 |
| Net charge-offs to loans | 0.0857% | 1,006 |
| Credit loss provision to net charge-offs | 203.3205% | 1,213 |
| Earnings coverage of net charge-offs (x) | 27.9468% | 1,672 |
| Efficiency ratio | 58.9941% | 3,188 |
| Assets per employee ($millions) | 11.9321% | 420 |
| Cash dividends to net income (ytd only)* | 57.6042% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 2,888 |
| Loan loss allowance to noncurrent loans | 708.9357% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 2,939 |
| Noncurrent loans to loans | 0.1538% | 2,745 |
| Net loans and leases to total assets | 56.9600% | 3,123 |
| Net loans and leases to deposits | 66.5030% | 3,139 |
| Net loans and leases to core deposits | 80.4043% | 2,685 |
| Total domestic deposits to total assets | 77.6600% | 3,770 |
| Equity capital to assets | 9.9160% | 2,056 |
| Core capital (leverage) ratio | 8.5735% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4812% | 2,074 |
| Memoranda: | ||
| Average total assets | $24,762,263,600 | 83 |
| Average earning assets | $21,845,134,000 | 82 |
| Average equity | $2,344,430,400 | 86 |
| Average total loans | $14,272,427,600 | 89 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1752% | 3,515 |
| Cost of funding earning assets | 1.2126% | 2,396 |
| Net interest margin | 2.9626% | 3,414 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 1.8959% | 3,811 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.0394% | 2,251 |
| Return on assets (ROA) | 1.0409% | 2,232 |
| Pretax return on assets | 1.3598% | 1,869 |
| Return on Equity (ROE) | 11.1300% | 2,343 |
| Retained earnings to average equity (ytd only) | 5.1019% | 2,900 |
| Net charge-offs to loans | 0.0605% | 1,062 |
| Credit loss provision to net charge-offs | 268.5228% | 949 |
| Earnings coverage of net charge-offs (x) | 42.2418% | 1,415 |
| Efficiency ratio | 56.2780% | 3,380 |
| Assets per employee ($millions) | 11.9373% | 381 |
| Cash dividends to net income (ytd only)* | 54.1473% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 2,963 |
| Loan loss allowance to noncurrent loans | 851.2235% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 3,113 |
| Noncurrent loans to loans | 0.1269% | 2,917 |
| Net loans and leases to total assets | 56.9100% | 3,124 |
| Net loans and leases to deposits | 65.8581% | 3,141 |
| Net loans and leases to core deposits | 80.9457% | 2,535 |
| Total domestic deposits to total assets | 78.7300% | 3,737 |
| Equity capital to assets | 9.3804% | 2,178 |
| Core capital (leverage) ratio | 8.3888% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2971% | 2,161 |
| Memoranda: | ||
| Average total assets | $24,721,274,250 | 84 |
| Average earning assets | $21,794,083,000 | 83 |
| Average equity | $2,312,618,000 | 87 |
| Average total loans | $14,252,112,750 | 90 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 3,538 |
| Cost of funding earning assets | 1.0634% | 2,407 |
| Net interest margin | 3.0102% | 3,403 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 1.9012% | 3,819 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.0773% | 2,185 |
| Return on assets (ROA) | 1.0793% | 2,176 |
| Pretax return on assets | 1.4102% | 1,790 |
| Return on Equity (ROE) | 11.5500% | 2,287 |
| Retained earnings to average equity (ytd only) | 5.5167% | 2,776 |
| Net charge-offs to loans | 0.0950% | 698 |
| Credit loss provision to net charge-offs | 169.2968% | 1,128 |
| Earnings coverage of net charge-offs (x) | 27.7332% | 1,590 |
| Efficiency ratio | 55.5786% | 3,473 |
| Assets per employee ($millions) | 11.5295% | 434 |
| Cash dividends to net income (ytd only)* | 52.2293% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 3,272 |
| Loan loss allowance to noncurrent loans | 902.2955% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 3,096 |
| Noncurrent loans to loans | 0.1147% | 2,905 |
| Net loans and leases to total assets | 57.9900% | 2,961 |
| Net loans and leases to deposits | 67.3853% | 2,959 |
| Net loans and leases to core deposits | 82.1290% | 2,326 |
| Total domestic deposits to total assets | 78.9900% | 3,719 |
| Equity capital to assets | 9.5705% | 2,114 |
| Core capital (leverage) ratio | 8.2426% | 4,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0909% | 2,265 |
| Memoranda: | ||
| Average total assets | $24,657,347,667 | 82 |
| Average earning assets | $21,734,429,000 | 81 |
| Average equity | $2,304,513,333 | 86 |
| Average total loans | $14,225,372,000 | 88 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9126% | 3,647 |
| Cost of funding earning assets | 0.8484% | 2,542 |
| Net interest margin | 3.0642% | 3,430 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 1.8783% | 3,902 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.1071% | 2,203 |
| Return on assets (ROA) | 1.1109% | 2,157 |
| Pretax return on assets | 1.4585% | 1,751 |
| Return on Equity (ROE) | 12.0300% | 2,210 |
| Retained earnings to average equity (ytd only) | 6.0739% | 2,742 |
| Net charge-offs to loans | 0.0908% | 626 |
| Credit loss provision to net charge-offs | 200.2489% | 826 |
| Earnings coverage of net charge-offs (x) | 30.7026% | 1,297 |
| Efficiency ratio | 54.0620% | 3,596 |
| Assets per employee ($millions) | 11.8492% | 412 |
| Cash dividends to net income (ytd only)* | 49.5057% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0345% | 3,366 |
| Loan loss allowance to noncurrent loans | 800.9691% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 3,057 |
| Noncurrent loans to loans | 0.1292% | 2,868 |
| Net loans and leases to total assets | 56.5600% | 2,999 |
| Net loans and leases to deposits | 66.0906% | 2,928 |
| Net loans and leases to core deposits | 78.0036% | 2,390 |
| Total domestic deposits to total assets | 78.3500% | 3,965 |
| Equity capital to assets | 9.3067% | 2,293 |
| Core capital (leverage) ratio | 8.2060% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0144% | 2,381 |
| Memoranda: | ||
| Average total assets | $24,730,115,500 | 86 |
| Average earning assets | $21,828,600,500 | 85 |
| Average equity | $2,283,823,000 | 87 |
| Average total loans | $14,156,642,000 | 92 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0032% | 4,132 |
| Cost of funding earning assets | 0.2249% | 3,552 |
| Net interest margin | 2.7783% | 3,928 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 1.7165% | 4,149 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1072% | 2,142 |
| Return on assets (ROA) | 1.1004% | 2,106 |
| Pretax return on assets | 1.4538% | 1,600 |
| Return on Equity (ROE) | 11.8500% | 2,195 |
| Retained earnings to average equity (ytd only) | 5.0800% | 3,014 |
| Net charge-offs to loans | 0.0840% | 825 |
| Credit loss provision to net charge-offs | -18.8684% | 4,552 |
| Earnings coverage of net charge-offs (x) | 32.6099% | 1,643 |
| Efficiency ratio | 53.9033% | 3,803 |
| Assets per employee ($millions) | 11.9132% | 398 |
| Cash dividends to net income (ytd only)* | 57.1323% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 3,251 |
| Loan loss allowance to noncurrent loans | 917.7296% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 3,161 |
| Noncurrent loans to loans | 0.1113% | 2,972 |
| Net loans and leases to total assets | 56.7500% | 2,943 |
| Net loans and leases to deposits | 64.2561% | 3,020 |
| Net loans and leases to core deposits | 75.2876% | 2,480 |
| Total domestic deposits to total assets | 81.1000% | 3,742 |
| Equity capital to assets | 9.1624% | 2,253 |
| Core capital (leverage) ratio | 8.0418% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8128% | 2,445 |
| Memoranda: | ||
| Average total assets | $24,971,717,200 | 86 |
| Average earning assets | $22,083,462,800 | 85 |
| Average equity | $2,318,918,600 | 95 |
| Average total loans | $13,381,997,600 | 97 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7804% | 4,210 |
| Cost of funding earning assets | 0.1262% | 4,065 |
| Net interest margin | 2.6542% | 4,014 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 1.6853% | 4,175 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.0403% | 2,320 |
| Return on assets (ROA) | 1.0313% | 2,326 |
| Pretax return on assets | 1.3710% | 1,812 |
| Return on Equity (ROE) | 11.0700% | 2,354 |
| Retained earnings to average equity (ytd only) | 4.0487% | 3,427 |
| Net charge-offs to loans | 0.0779% | 758 |
| Credit loss provision to net charge-offs | -17.9238% | 4,616 |
| Earnings coverage of net charge-offs (x) | 33.4855% | 1,469 |
| Efficiency ratio | 55.0864% | 3,713 |
| Assets per employee ($millions) | 12.1796% | 362 |
| Cash dividends to net income (ytd only)* | 63.4263% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 3,097 |
| Loan loss allowance to noncurrent loans | 1,059.9728% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 3,326 |
| Noncurrent loans to loans | 0.1020% | 3,146 |
| Net loans and leases to total assets | 54.4900% | 3,049 |
| Net loans and leases to deposits | 61.2945% | 3,084 |
| Net loans and leases to core deposits | 69.5137% | 2,676 |
| Total domestic deposits to total assets | 81.8700% | 3,855 |
| Equity capital to assets | 8.7790% | 2,360 |
| Core capital (leverage) ratio | 7.7118% | 4,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8085% | 2,548 |
| Memoranda: | ||
| Average total assets | $25,070,412,250 | 88 |
| Average earning assets | $22,190,733,000 | 86 |
| Average equity | $2,335,688,000 | 96 |
| Average total loans | $13,204,494,000 | 101 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5702% | 4,303 |
| Cost of funding earning assets | 0.0659% | 4,485 |
| Net interest margin | 2.5043% | 4,079 |
| Noninterest income to average assets | 0.6935% | 1,366 |
| Noninterest expense to average assets | 1.6394% | 4,237 |
| Loan and lease loss provision to assets | -0.0378% | 4,488 |
| Net operating income to assets | 0.9893% | 2,197 |
| Return on assets (ROA) | 0.9789% | 2,208 |
| Pretax return on assets | 1.2988% | 1,755 |
| Return on Equity (ROE) | 10.3111% | 2,226 |
| Retained earnings to average equity (ytd only) | 3.6904% | 3,207 |
| Net charge-offs to loans | 0.0757% | 710 |
| Credit loss provision to net charge-offs | -68.5234% | 3,065 |
| Earnings coverage of net charge-offs (x) | 32.4351% | 1,360 |
| Efficiency ratio | 56.2697% | 3,751 |
| Assets per employee ($millions) | 12.5566% | 322 |
| Cash dividends to net income (ytd only)* | 64.2094% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 3,064 |
| Loan loss allowance to noncurrent loans | 1,094.3571% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 3,449 |
| Noncurrent loans to loans | 0.1026% | 3,239 |
| Net loans and leases to total assets | 51.6770% | 3,194 |
| Net loans and leases to deposits | 57.9939% | 3,227 |
| Net loans and leases to core deposits | 64.9805% | 2,900 |
| Total domestic deposits to total assets | 81.9444% | 4,010 |
| Equity capital to assets | 8.8356% | 2,514 |
| Core capital (leverage) ratio | 7.5011% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0749% | 2,460 |
| Memoranda: | ||
| Average total assets | $25,136,999,333 | 87 |
| Average earning assets | $22,283,591,000 | 86 |
| Average equity | $2,386,455,000 | 96 |
| Average total loans | $13,039,080,333 | 100 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4608% | 4,314 |
| Cost of funding earning assets | 0.0495% | 4,606 |
| Net interest margin | 2.4113% | 4,049 |
| Noninterest income to average assets | 0.6749% | 1,397 |
| Noninterest expense to average assets | 1.6192% | 4,265 |
| Loan and lease loss provision to assets | -0.0919% | 4,586 |
| Net operating income to assets | 0.9714% | 1,993 |
| Return on assets (ROA) | 0.9609% | 2,028 |
| Pretax return on assets | 1.2748% | 1,584 |
| Return on Equity (ROE) | 9.7780% | 2,056 |
| Retained earnings to average equity (ytd only) | 4.0023% | 2,934 |
| Net charge-offs to loans | 0.0804% | 598 |
| Credit loss provision to net charge-offs | -168.6418% | 2,950 |
| Earnings coverage of net charge-offs (x) | 28.7845% | 1,151 |
| Efficiency ratio | 57.5138% | 3,735 |
| Assets per employee ($millions) | 12.3848% | 357 |
| Cash dividends to net income (ytd only)* | 59.0682% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1657% | 3,023 |
| Loan loss allowance to noncurrent loans | 1,153.5155% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 3,519 |
| Noncurrent loans to loans | 0.1011% | 3,333 |
| Net loans and leases to total assets | 50.8804% | 3,083 |
| Net loans and leases to deposits | 57.1815% | 3,158 |
| Net loans and leases to core deposits | 64.1227% | 2,788 |
| Total domestic deposits to total assets | 81.9004% | 4,087 |
| Equity capital to assets | 9.0817% | 2,644 |
| Core capital (leverage) ratio | 7.4589% | 4,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4120% | 2,439 |
| Memoranda: | ||
| Average total assets | $25,017,038,500 | 88 |
| Average earning assets | $22,207,521,500 | 87 |
| Average equity | $2,458,585,500 | 96 |
| Average total loans | $12,927,140,000 | 101 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5621% | 4,435 |
| Cost of funding earning assets | 0.0875% | 4,483 |
| Net interest margin | 2.4746% | 4,224 |
| Noninterest income to average assets | 0.7669% | 1,543 |
| Noninterest expense to average assets | 1.6441% | 4,368 |
| Loan and lease loss provision to assets | -0.1612% | 4,649 |
| Net operating income to assets | 1.1246% | 2,192 |
| Return on assets (ROA) | 1.1230% | 2,259 |
| Pretax return on assets | 1.4749% | 1,804 |
| Return on Equity (ROE) | 10.0951% | 2,490 |
| Retained earnings to average equity (ytd only) | 2.1606% | 3,935 |
| Net charge-offs to loans | 0.0952% | 881 |
| Credit loss provision to net charge-offs | -310.4225% | 3,623 |
| Earnings coverage of net charge-offs (x) | 25.5170% | 1,723 |
| Efficiency ratio | 55.5468% | 3,751 |
| Assets per employee ($millions) | 12.2751% | 371 |
| Cash dividends to net income (ytd only)* | 78.5978% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 2,820 |
| Loan loss allowance to noncurrent loans | 1,101.8146% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 3,579 |
| Noncurrent loans to loans | 0.1101% | 3,378 |
| Net loans and leases to total assets | 51.2373% | 3,147 |
| Net loans and leases to deposits | 58.6565% | 3,198 |
| Net loans and leases to core deposits | 66.0765% | 2,812 |
| Total domestic deposits to total assets | 80.2905% | 4,190 |
| Equity capital to assets | 10.5751% | 2,110 |
| Core capital (leverage) ratio | 7.1801% | 4,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3953% | 2,492 |
| Memoranda: | ||
| Average total assets | $24,189,068,200 | 89 |
| Average earning assets | $21,436,327,800 | 88 |
| Average equity | $2,690,765,400 | 89 |
| Average total loans | $13,100,861,800 | 94 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5615% | 4,526 |
| Cost of funding earning assets | 0.0927% | 4,558 |
| Net interest margin | 2.4687% | 4,328 |
| Noninterest income to average assets | 0.8000% | 1,527 |
| Noninterest expense to average assets | 1.6166% | 4,448 |
| Loan and lease loss provision to assets | -0.2168% | 4,766 |
| Net operating income to assets | 1.1870% | 2,212 |
| Return on assets (ROA) | 1.1848% | 2,276 |
| Pretax return on assets | 1.5825% | 1,759 |
| Return on Equity (ROE) | 10.5157% | 2,549 |
| Retained earnings to average equity (ytd only) | 2.7707% | 3,977 |
| Net charge-offs to loans | 0.0638% | 1,005 |
| Credit loss provision to net charge-offs | -650.6440% | 3,725 |
| Earnings coverage of net charge-offs (x) | 39.1504% | 1,383 |
| Efficiency ratio | 54.1563% | 3,789 |
| Assets per employee ($millions) | 12.6165% | 330 |
| Cash dividends to net income (ytd only)* | 73.6522% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 2,702 |
| Loan loss allowance to noncurrent loans | 1,121.1653% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,748 |
| Noncurrent loans to loans | 0.1120% | 3,531 |
| Net loans and leases to total assets | 49.6123% | 3,453 |
| Net loans and leases to deposits | 57.2642% | 3,465 |
| Net loans and leases to core deposits | 64.5123% | 3,083 |
| Total domestic deposits to total assets | 79.8281% | 4,252 |
| Equity capital to assets | 10.5619% | 2,411 |
| Core capital (leverage) ratio | 7.3381% | 4,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7865% | 2,435 |
| Memoranda: | ||
| Average total assets | $23,988,309,500 | 90 |
| Average earning assets | $21,232,299,500 | 89 |
| Average equity | $2,702,724,500 | 88 |
| Average total loans | $13,135,443,000 | 94 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6129% | 4,536 |
| Cost of funding earning assets | 0.0981% | 4,593 |
| Net interest margin | 2.5148% | 4,281 |
| Noninterest income to average assets | 0.7996% | 1,532 |
| Noninterest expense to average assets | 1.6345% | 4,464 |
| Loan and lease loss provision to assets | -0.2983% | 4,835 |
| Net operating income to assets | 1.2594% | 1,994 |
| Return on assets (ROA) | 1.2561% | 2,071 |
| Pretax return on assets | 1.6796% | 1,529 |
| Return on Equity (ROE) | 10.9012% | 2,454 |
| Retained earnings to average equity (ytd only) | 3.3942% | 3,721 |
| Net charge-offs to loans | 0.0859% | 821 |
| Credit loss provision to net charge-offs | -591.1553% | 3,518 |
| Earnings coverage of net charge-offs (x) | 28.5877% | 1,334 |
| Efficiency ratio | 54.1222% | 3,782 |
| Assets per employee ($millions) | 11.6177% | 391 |
| Cash dividends to net income (ytd only)* | 68.8635% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,484 |
| Loan loss allowance to noncurrent loans | 1,109.3855% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 3,806 |
| Noncurrent loans to loans | 0.1163% | 3,608 |
| Net loans and leases to total assets | 53.3524% | 3,215 |
| Net loans and leases to deposits | 62.0406% | 3,197 |
| Net loans and leases to core deposits | 70.3971% | 2,742 |
| Total domestic deposits to total assets | 78.8913% | 4,356 |
| Equity capital to assets | 11.2055% | 1,830 |
| Core capital (leverage) ratio | 7.6133% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9097% | 2,401 |
| Memoranda: | ||
| Average total assets | $23,468,278,333 | 90 |
| Average earning assets | $20,720,794,667 | 89 |
| Average equity | $2,704,163,000 | 86 |
| Average total loans | $13,235,127,000 | 94 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6441% | 4,535 |
| Cost of funding earning assets | 0.1065% | 4,618 |
| Net interest margin | 2.5376% | 4,250 |
| Noninterest income to average assets | 0.7792% | 1,640 |
| Noninterest expense to average assets | 1.6964% | 4,383 |
| Loan and lease loss provision to assets | -0.0607% | 4,668 |
| Net operating income to assets | 1.0395% | 2,672 |
| Return on assets (ROA) | 1.0253% | 2,807 |
| Pretax return on assets | 1.3631% | 2,386 |
| Return on Equity (ROE) | 8.7712% | 3,113 |
| Retained earnings to average equity (ytd only) | 2.2473% | 3,962 |
| Net charge-offs to loans | 0.1380% | 545 |
| Credit loss provision to net charge-offs | -76.2860% | 2,801 |
| Earnings coverage of net charge-offs (x) | 16.6051% | 1,315 |
| Efficiency ratio | 56.2314% | 3,519 |
| Assets per employee ($millions) | 11.2423% | 414 |
| Cash dividends to net income (ytd only)* | 74.3783% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,589 |
| Loan loss allowance to noncurrent loans | 981.2723% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,760 |
| Noncurrent loans to loans | 0.1534% | 3,564 |
| Net loans and leases to total assets | 55.7926% | 3,068 |
| Net loans and leases to deposits | 65.0645% | 3,017 |
| Net loans and leases to core deposits | 74.8931% | 2,439 |
| Total domestic deposits to total assets | 78.7511% | 4,357 |
| Equity capital to assets | 11.3596% | 1,625 |
| Core capital (leverage) ratio | 7.8295% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9674% | 2,298 |
| Memoranda: | ||
| Average total assets | $23,079,371,500 | 92 |
| Average earning assets | $20,350,618,500 | 93 |
| Average equity | $2,697,798,000 | 87 |
| Average total loans | $13,300,177,500 | 93 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0624% | 4,592 |
| Cost of funding earning assets | 0.2472% | 4,390 |
| Net interest margin | 2.8152% | 4,242 |
| Noninterest income to average assets | 0.9015% | 1,263 |
| Noninterest expense to average assets | 1.7160% | 4,601 |
| Loan and lease loss provision to assets | 0.4960% | 501 |
| Net operating income to assets | 0.8793% | 2,787 |
| Return on assets (ROA) | 0.8797% | 2,922 |
| Pretax return on assets | 1.1490% | 2,520 |
| Return on Equity (ROE) | 7.1554% | 3,142 |
| Retained earnings to average equity (ytd only) | 1.8518% | 3,890 |
| Net charge-offs to loans | 0.2296% | 759 |
| Credit loss provision to net charge-offs | 350.0049% | 1,580 |
| Earnings coverage of net charge-offs (x) | 11.6047% | 2,394 |
| Efficiency ratio | 51.0636% | 4,465 |
| Assets per employee ($millions) | 10.7762% | 423 |
| Cash dividends to net income (ytd only)* | 74.1205% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 1,375 |
| Loan loss allowance to noncurrent loans | 1,031.3378% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 3,877 |
| Noncurrent loans to loans | 0.1521% | 3,676 |
| Net loans and leases to total assets | 57.7269% | 3,115 |
| Net loans and leases to deposits | 67.9745% | 3,079 |
| Net loans and leases to core deposits | 79.4097% | 2,414 |
| Total domestic deposits to total assets | 77.7554% | 4,343 |
| Equity capital to assets | 12.0310% | 1,549 |
| Core capital (leverage) ratio | 7.9210% | 4,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5986% | 2,404 |
| Memoranda: | ||
| Average total assets | $21,778,043,200 | 90 |
| Average earning assets | $19,022,054,000 | 91 |
| Average equity | $2,677,427,000 | 85 |
| Average total loans | $13,439,409,200 | 91 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 4,649 |
| Cost of funding earning assets | 0.2877% | 4,360 |
| Net interest margin | 2.8401% | 4,277 |
| Noninterest income to average assets | 0.8899% | 1,259 |
| Noninterest expense to average assets | 1.7400% | 4,577 |
| Loan and lease loss provision to assets | 0.5815% | 447 |
| Net operating income to assets | 0.7953% | 3,111 |
| Return on assets (ROA) | 0.7948% | 3,229 |
| Pretax return on assets | 1.0449% | 2,920 |
| Return on Equity (ROE) | 6.4286% | 3,397 |
| Retained earnings to average equity (ytd only) | 1.0257% | 4,250 |
| Net charge-offs to loans | 0.2913% | 543 |
| Credit loss provision to net charge-offs | 319.3553% | 1,701 |
| Earnings coverage of net charge-offs (x) | 8.9357% | 2,461 |
| Efficiency ratio | 51.6783% | 4,364 |
| Assets per employee ($millions) | 10.6292% | 418 |
| Cash dividends to net income (ytd only)* | 84.0447% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 1,547 |
| Loan loss allowance to noncurrent loans | 456.7471% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 3,474 |
| Noncurrent loans to loans | 0.3169% | 3,150 |
| Net loans and leases to total assets | 59.7863% | 3,249 |
| Net loans and leases to deposits | 70.5101% | 3,266 |
| Net loans and leases to core deposits | 83.7112% | 2,506 |
| Total domestic deposits to total assets | 77.5499% | 4,259 |
| Equity capital to assets | 12.1704% | 1,590 |
| Core capital (leverage) ratio | 7.8230% | 4,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3389% | 2,482 |
| Memoranda: | ||
| Average total assets | $21,556,992,500 | 89 |
| Average earning assets | $18,801,842,750 | 91 |
| Average equity | $2,665,159,500 | 84 |
| Average total loans | $13,476,592,500 | 90 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2228% | 4,700 |
| Cost of funding earning assets | 0.3517% | 4,261 |
| Net interest margin | 2.8711% | 4,353 |
| Noninterest income to average assets | 0.8919% | 1,188 |
| Noninterest expense to average assets | 1.7849% | 4,580 |
| Loan and lease loss provision to assets | 0.8481% | 274 |
| Net operating income to assets | 0.5830% | 3,791 |
| Return on assets (ROA) | 0.5821% | 3,878 |
| Pretax return on assets | 0.7595% | 3,710 |
| Return on Equity (ROE) | 4.6824% | 3,923 |
| Retained earnings to average equity (ytd only) | -0.9057% | 4,466 |
| Net charge-offs to loans | 0.4388% | 362 |
| Credit loss provision to net charge-offs | 306.0159% | 1,601 |
| Earnings coverage of net charge-offs (x) | 5.8050% | 2,488 |
| Efficiency ratio | 52.5951% | 4,316 |
| Assets per employee ($millions) | 10.9492% | 388 |
| Cash dividends to net income (ytd only)* | 119.3433% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3951% | 1,604 |
| Loan loss allowance to noncurrent loans | 448.6688% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 3,592 |
| Noncurrent loans to loans | 0.3109% | 3,269 |
| Net loans and leases to total assets | 59.0544% | 3,421 |
| Net loans and leases to deposits | 70.0577% | 3,413 |
| Net loans and leases to core deposits | 87.1184% | 2,339 |
| Total domestic deposits to total assets | 77.4458% | 4,258 |
| Equity capital to assets | 11.6662% | 1,858 |
| Core capital (leverage) ratio | 7.6638% | 4,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9726% | 2,624 |
| Memoranda: | ||
| Average total assets | $21,305,740,000 | 88 |
| Average earning assets | $18,564,380,333 | 92 |
| Average equity | $2,648,444,333 | 84 |
| Average total loans | $13,457,244,000 | 92 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5755% | 4,553 |
| Cost of funding earning assets | 0.4477% | 4,161 |
| Net interest margin | 3.1278% | 4,037 |
| Noninterest income to average assets | 0.9607% | 934 |
| Noninterest expense to average assets | 1.8532% | 4,605 |
| Loan and lease loss provision to assets | 0.7985% | 309 |
| Net operating income to assets | 0.7883% | 2,943 |
| Return on assets (ROA) | 0.7897% | 3,028 |
| Pretax return on assets | 1.0217% | 2,775 |
| Return on Equity (ROE) | 6.1404% | 3,267 |
| Retained earnings to average equity (ytd only) | 0.2121% | 3,941 |
| Net charge-offs to loans | 0.1845% | 731 |
| Credit loss provision to net charge-offs | 665.7269% | 748 |
| Earnings coverage of net charge-offs (x) | 15.1610% | 1,575 |
| Efficiency ratio | 50.4712% | 4,640 |
| Assets per employee ($millions) | 9.8698% | 398 |
| Cash dividends to net income (ytd only)* | 96.5466% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,454 |
| Loan loss allowance to noncurrent loans | 931.8720% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0870% | 4,170 |
| Noncurrent loans to loans | 0.1331% | 3,988 |
| Net loans and leases to total assets | 63.7035% | 3,101 |
| Net loans and leases to deposits | 77.5892% | 2,930 |
| Net loans and leases to core deposits | 94.2344% | 1,950 |
| Total domestic deposits to total assets | 75.3263% | 4,553 |
| Equity capital to assets | 12.7428% | 1,595 |
| Core capital (leverage) ratio | 8.5242% | 4,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7626% | 2,822 |
| Memoranda: | ||
| Average total assets | $20,461,909,500 | 89 |
| Average earning assets | $17,735,564,000 | 90 |
| Average equity | $2,631,437,500 | 85 |
| Average total loans | $13,300,502,000 | 90 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 4,548 |
| Cost of funding earning assets | 0.5916% | 3,677 |
| Net interest margin | 3.2217% | 4,141 |
| Noninterest income to average assets | 0.9448% | 1,081 |
| Noninterest expense to average assets | 1.7660% | 4,806 |
| Loan and lease loss provision to assets | 0.0674% | 2,667 |
| Net operating income to assets | 1.4245% | 1,264 |
| Return on assets (ROA) | 1.4140% | 1,371 |
| Pretax return on assets | 1.8971% | 752 |
| Return on Equity (ROE) | 11.1076% | 1,841 |
| Retained earnings to average equity (ytd only) | -0.4073% | 4,753 |
| Net charge-offs to loans | 0.1905% | 1,066 |
| Credit loss provision to net charge-offs | 55.2265% | 3,079 |
| Earnings coverage of net charge-offs (x) | 16.2147% | 2,188 |
| Efficiency ratio | 47.1715% | 4,868 |
| Assets per employee ($millions) | 9.6403% | 390 |
| Cash dividends to net income (ytd only)* | 103.6665% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,584 |
| Loan loss allowance to noncurrent loans | 740.7639% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 4,192 |
| Noncurrent loans to loans | 0.1334% | 3,986 |
| Net loans and leases to total assets | 64.8665% | 3,091 |
| Net loans and leases to deposits | 79.4321% | 2,845 |
| Net loans and leases to core deposits | 94.7407% | 2,002 |
| Total domestic deposits to total assets | 74.3574% | 4,749 |
| Equity capital to assets | 12.9810% | 1,536 |
| Core capital (leverage) ratio | 8.6700% | 4,740 |
| Tier 1 risk-based capital ratio | 11.7230% | 4,514 |
| Total risk-based capital ratio | 12.6522% | 4,557 |
| Memoranda: | ||
| Average total assets | $20,486,637,800 | 83 |
| Average earning assets | $17,797,995,600 | 84 |
| Average equity | $2,607,936,400 | 82 |
| Average total loans | $13,119,289,000 | 84 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 4,604 |
| Cost of funding earning assets | 0.6174% | 3,598 |
| Net interest margin | 3.2357% | 4,222 |
| Noninterest income to average assets | 0.9622% | 1,020 |
| Noninterest expense to average assets | 1.7617% | 4,864 |
| Loan and lease loss provision to assets | 0.0619% | 2,665 |
| Net operating income to assets | 1.4543% | 1,321 |
| Return on assets (ROA) | 1.4411% | 1,408 |
| Pretax return on assets | 1.9340% | 800 |
| Return on Equity (ROE) | 11.3753% | 1,852 |
| Retained earnings to average equity (ytd only) | -0.0007% | 4,757 |
| Net charge-offs to loans | 0.1864% | 926 |
| Credit loss provision to net charge-offs | 52.1744% | 2,772 |
| Earnings coverage of net charge-offs (x) | 16.9612% | 2,116 |
| Efficiency ratio | 46.6750% | 4,909 |
| Assets per employee ($millions) | 9.8148% | 371 |
| Cash dividends to net income (ytd only)* | 100.0058% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,371 |
| Loan loss allowance to noncurrent loans | 1,170.5608% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 4,429 |
| Noncurrent loans to loans | 0.0884% | 4,249 |
| Net loans and leases to total assets | 61.7048% | 3,522 |
| Net loans and leases to deposits | 75.3217% | 3,361 |
| Net loans and leases to core deposits | 90.2842% | 2,526 |
| Total domestic deposits to total assets | 74.9478% | 4,753 |
| Equity capital to assets | 12.8117% | 1,723 |
| Core capital (leverage) ratio | 8.6068% | 4,885 |
| Tier 1 risk-based capital ratio | 12.0361% | 4,401 |
| Total risk-based capital ratio | 13.0029% | 4,439 |
| Memoranda: | ||
| Average total assets | $20,566,397,250 | 83 |
| Average earning assets | $17,874,667,000 | 83 |
| Average equity | $2,605,433,250 | 83 |
| Average total loans | $13,095,972,750 | 84 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8742% | 4,596 |
| Cost of funding earning assets | 0.6227% | 3,538 |
| Net interest margin | 3.2514% | 4,238 |
| Noninterest income to average assets | 0.9578% | 960 |
| Noninterest expense to average assets | 1.7510% | 4,923 |
| Loan and lease loss provision to assets | 0.0929% | 1,991 |
| Net operating income to assets | 1.4484% | 1,300 |
| Return on assets (ROA) | 1.4285% | 1,401 |
| Pretax return on assets | 1.9173% | 803 |
| Return on Equity (ROE) | 11.3188% | 1,860 |
| Retained earnings to average equity (ytd only) | 1.8126% | 4,171 |
| Net charge-offs to loans | 0.1932% | 856 |
| Credit loss provision to net charge-offs | 75.0020% | 2,271 |
| Earnings coverage of net charge-offs (x) | 16.4285% | 1,932 |
| Efficiency ratio | 46.2444% | 4,977 |
| Assets per employee ($millions) | 9.6685% | 372 |
| Cash dividends to net income (ytd only)* | 83.9855% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,369 |
| Loan loss allowance to noncurrent loans | 1,438.5774% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 4,534 |
| Noncurrent loans to loans | 0.0726% | 4,354 |
| Net loans and leases to total assets | 63.9491% | 3,348 |
| Net loans and leases to deposits | 78.1117% | 3,145 |
| Net loans and leases to core deposits | 96.2149% | 2,044 |
| Total domestic deposits to total assets | 74.8951% | 4,774 |
| Equity capital to assets | 12.9033% | 1,636 |
| Core capital (leverage) ratio | 8.6960% | 4,847 |
| Tier 1 risk-based capital ratio | 11.7636% | 4,536 |
| Total risk-based capital ratio | 12.7349% | 4,588 |
| Memoranda: | ||
| Average total assets | $20,554,353,670 | 83 |
| Average earning assets | $17,881,468,670 | 83 |
| Average equity | $2,594,117,330 | 82 |
| Average total loans | $13,179,633,670 | 85 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8493% | 4,630 |
| Cost of funding earning assets | 0.6128% | 3,499 |
| Net interest margin | 3.2365% | 4,315 |
| Noninterest income to average assets | 0.9662% | 889 |
| Noninterest expense to average assets | 1.7430% | 4,975 |
| Loan and lease loss provision to assets | 0.1105% | 1,609 |
| Net operating income to assets | 1.4436% | 1,254 |
| Return on assets (ROA) | 1.4034% | 1,398 |
| Pretax return on assets | 1.8836% | 822 |
| Return on Equity (ROE) | 11.2455% | 1,844 |
| Retained earnings to average equity (ytd only) | 5.6356% | 2,618 |
| Net charge-offs to loans | 0.1782% | 772 |
| Credit loss provision to net charge-offs | 97.0608% | 1,650 |
| Earnings coverage of net charge-offs (x) | 17.9680% | 1,641 |
| Efficiency ratio | 46.0149% | 5,029 |
| Assets per employee ($millions) | 9.5967% | 387 |
| Cash dividends to net income (ytd only)* | 49.8857% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 3,277 |
| Loan loss allowance to noncurrent loans | 1,317.4423% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 4,557 |
| Noncurrent loans to loans | 0.0814% | 4,397 |
| Net loans and leases to total assets | 63.8713% | 3,300 |
| Net loans and leases to deposits | 77.7253% | 3,091 |
| Net loans and leases to core deposits | 94.7467% | 2,054 |
| Total domestic deposits to total assets | 75.0717% | 4,850 |
| Equity capital to assets | 12.7805% | 1,576 |
| Core capital (leverage) ratio | 8.7042% | 4,866 |
| Tier 1 risk-based capital ratio | 12.0457% | 4,431 |
| Total risk-based capital ratio | 13.0554% | 4,467 |
| Memoranda: | ||
| Average total assets | $20,568,457,000 | 84 |
| Average earning assets | $17,931,464,000 | 84 |
| Average equity | $2,566,904,000 | 83 |
| Average total loans | $13,137,038,500 | 86 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6193% | 4,778 |
| Cost of funding earning assets | 0.4467% | 3,702 |
| Net interest margin | 3.1726% | 4,534 |
| Noninterest income to average assets | 0.9883% | 967 |
| Noninterest expense to average assets | 1.7383% | 5,054 |
| Loan and lease loss provision to assets | 0.1088% | 2,022 |
| Net operating income to assets | 1.4279% | 1,341 |
| Return on assets (ROA) | 1.3346% | 1,660 |
| Pretax return on assets | 1.8004% | 917 |
| Return on Equity (ROE) | 10.9399% | 2,107 |
| Retained earnings to average equity (ytd only) | 0.3518% | 4,891 |
| Net charge-offs to loans | 0.1405% | 1,355 |
| Credit loss provision to net charge-offs | 125.2046% | 2,095 |
| Earnings coverage of net charge-offs (x) | 23.3353% | 1,855 |
| Efficiency ratio | 46.1637% | 5,114 |
| Assets per employee ($millions) | 9.6037% | 383 |
| Cash dividends to net income (ytd only)* | 96.7842% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 3,201 |
| Loan loss allowance to noncurrent loans | 1,093.9251% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 4,504 |
| Noncurrent loans to loans | 0.0991% | 4,290 |
| Net loans and leases to total assets | 62.4997% | 3,518 |
| Net loans and leases to deposits | 75.3971% | 3,396 |
| Net loans and leases to core deposits | 92.0746% | 2,401 |
| Total domestic deposits to total assets | 76.1879% | 4,733 |
| Equity capital to assets | 12.1828% | 1,770 |
| Core capital (leverage) ratio | 8.7004% | 4,879 |
| Tier 1 risk-based capital ratio | 11.9424% | 4,462 |
| Total risk-based capital ratio | 12.9674% | 4,490 |
| Memoranda: | ||
| Average total assets | $20,391,530,000 | 85 |
| Average earning assets | $17,850,292,200 | 85 |
| Average equity | $2,487,695,400 | 81 |
| Average total loans | $12,611,859,400 | 87 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 4,835 |
| Cost of funding earning assets | 0.4170% | 3,747 |
| Net interest margin | 3.1630% | 4,589 |
| Noninterest income to average assets | 0.9576% | 1,043 |
| Noninterest expense to average assets | 1.7576% | 5,079 |
| Loan and lease loss provision to assets | 0.1078% | 1,857 |
| Net operating income to assets | 1.3798% | 1,552 |
| Return on assets (ROA) | 1.3798% | 1,558 |
| Pretax return on assets | 1.8639% | 872 |
| Return on Equity (ROE) | 11.3064% | 2,051 |
| Retained earnings to average equity (ytd only) | -1.0302% | 5,137 |
| Net charge-offs to loans | 0.1327% | 1,216 |
| Credit loss provision to net charge-offs | 132.1483% | 1,870 |
| Earnings coverage of net charge-offs (x) | 24.1639% | 1,825 |
| Efficiency ratio | 47.1293% | 5,094 |
| Assets per employee ($millions) | 9.2267% | 412 |
| Cash dividends to net income (ytd only)* | 109.1118% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1210% | 3,069 |
| Loan loss allowance to noncurrent loans | 880.1720% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 4,561 |
| Noncurrent loans to loans | 0.1274% | 4,312 |
| Net loans and leases to total assets | 62.3430% | 3,620 |
| Net loans and leases to deposits | 74.6214% | 3,540 |
| Net loans and leases to core deposits | 92.6974% | 2,417 |
| Total domestic deposits to total assets | 76.7513% | 4,683 |
| Equity capital to assets | 12.1090% | 1,833 |
| Core capital (leverage) ratio | 8.4065% | 5,138 |
| Tier 1 risk-based capital ratio | 12.0606% | 4,467 |
| Total risk-based capital ratio | 13.1107% | 4,462 |
| Memoranda: | ||
| Average total assets | $20,315,422,750 | 84 |
| Average earning assets | $17,802,853,250 | 84 |
| Average equity | $2,479,282,500 | 82 |
| Average total loans | $12,495,668,500 | 87 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5008% | 4,921 |
| Cost of funding earning assets | 0.3666% | 3,966 |
| Net interest margin | 3.1342% | 4,654 |
| Noninterest income to average assets | 0.9644% | 1,021 |
| Noninterest expense to average assets | 1.7358% | 5,157 |
| Loan and lease loss provision to assets | 0.1172% | 1,688 |
| Net operating income to assets | 1.3796% | 1,507 |
| Return on assets (ROA) | 1.3796% | 1,508 |
| Pretax return on assets | 1.8637% | 856 |
| Return on Equity (ROE) | 11.2760% | 2,004 |
| Retained earnings to average equity (ytd only) | -0.3604% | 5,005 |
| Net charge-offs to loans | 0.1384% | 1,084 |
| Credit loss provision to net charge-offs | 138.8309% | 1,652 |
| Earnings coverage of net charge-offs (x) | 23.4635% | 1,708 |
| Efficiency ratio | 46.7026% | 5,180 |
| Assets per employee ($millions) | 9.3557% | 396 |
| Cash dividends to net income (ytd only)* | 103.1960% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 3,191 |
| Loan loss allowance to noncurrent loans | 845.0087% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 4,594 |
| Noncurrent loans to loans | 0.1316% | 4,315 |
| Net loans and leases to total assets | 61.0317% | 3,709 |
| Net loans and leases to deposits | 71.8278% | 3,725 |
| Net loans and leases to core deposits | 92.2133% | 2,384 |
| Total domestic deposits to total assets | 78.3183% | 4,533 |
| Equity capital to assets | 11.9892% | 1,862 |
| Core capital (leverage) ratio | 8.5936% | 5,047 |
| Tier 1 risk-based capital ratio | 12.1587% | 4,397 |
| Total risk-based capital ratio | 13.2041% | 4,401 |
| Memoranda: | ||
| Average total assets | $20,425,585,000 | 84 |
| Average earning assets | $17,936,124,000 | 85 |
| Average equity | $2,499,051,670 | 81 |
| Average total loans | $12,460,736,670 | 87 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4569% | 4,937 |
| Cost of funding earning assets | 0.3406% | 4,058 |
| Net interest margin | 3.1164% | 4,669 |
| Noninterest income to average assets | 0.9550% | 1,008 |
| Noninterest expense to average assets | 1.7260% | 5,223 |
| Loan and lease loss provision to assets | 0.1167% | 1,621 |
| Net operating income to assets | 1.3704% | 1,422 |
| Return on assets (ROA) | 1.3704% | 1,437 |
| Pretax return on assets | 1.8512% | 822 |
| Return on Equity (ROE) | 11.0888% | 1,933 |
| Retained earnings to average equity (ytd only) | 6.8363% | 2,350 |
| Net charge-offs to loans | 0.1497% | 932 |
| Credit loss provision to net charge-offs | 128.5375% | 1,346 |
| Earnings coverage of net charge-offs (x) | 21.6792% | 1,425 |
| Efficiency ratio | 46.7262% | 5,243 |
| Assets per employee ($millions) | 9.1481% | 419 |
| Cash dividends to net income (ytd only)* | 38.3493% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 3,308 |
| Loan loss allowance to noncurrent loans | 879.1093% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 4,698 |
| Noncurrent loans to loans | 0.1265% | 4,399 |
| Net loans and leases to total assets | 60.8847% | 3,662 |
| Net loans and leases to deposits | 70.9712% | 3,703 |
| Net loans and leases to core deposits | 92.4216% | 2,265 |
| Total domestic deposits to total assets | 79.0368% | 4,571 |
| Equity capital to assets | 12.4435% | 1,510 |
| Core capital (leverage) ratio | 8.7036% | 4,988 |
| Tier 1 risk-based capital ratio | 12.7101% | 4,109 |
| Total risk-based capital ratio | 13.7579% | 4,137 |
| Memoranda: | ||
| Average total assets | $20,398,519,500 | 85 |
| Average earning assets | $17,927,500,500 | 86 |
| Average equity | $2,520,897,000 | 81 |
| Average total loans | $12,371,243,500 | 88 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2144% | 5,173 |
| Cost of funding earning assets | 0.2363% | 4,676 |
| Net interest margin | 2.9781% | 4,929 |
| Noninterest income to average assets | 1.0003% | 1,017 |
| Noninterest expense to average assets | 1.6732% | 5,359 |
| Loan and lease loss provision to assets | 0.0918% | 2,362 |
| Net operating income to assets | 0.9454% | 2,472 |
| Return on assets (ROA) | 0.9454% | 2,499 |
| Pretax return on assets | 1.8582% | 669 |
| Return on Equity (ROE) | 7.5974% | 2,997 |
| Retained earnings to average equity (ytd only) | 3.3962% | 3,253 |
| Net charge-offs to loans | 0.1400% | 1,667 |
| Credit loss provision to net charge-offs | 110.5071% | 2,356 |
| Earnings coverage of net charge-offs (x) | 23.4834% | 1,805 |
| Efficiency ratio | 46.1807% | 5,392 |
| Assets per employee ($millions) | 9.2578% | 410 |
| Cash dividends to net income (ytd only)* | 55.2976% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 3,253 |
| Loan loss allowance to noncurrent loans | 966.5704% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 4,767 |
| Noncurrent loans to loans | 0.1157% | 4,468 |
| Net loans and leases to total assets | 59.0723% | 3,915 |
| Net loans and leases to deposits | 68.8775% | 3,956 |
| Net loans and leases to core deposits | 89.7669% | 2,587 |
| Total domestic deposits to total assets | 79.3553% | 4,470 |
| Equity capital to assets | 12.2742% | 1,654 |
| Core capital (leverage) ratio | 8.4711% | 5,165 |
| Tier 1 risk-based capital ratio | 12.3707% | 4,282 |
| Total risk-based capital ratio | 13.4212% | 4,311 |
| Memoranda: | ||
| Average total assets | $20,161,518,600 | 80 |
| Average earning assets | $17,756,376,800 | 81 |
| Average equity | $2,508,825,400 | 79 |
| Average total loans | $11,958,380,400 | 86 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1832% | 5,250 |
| Cost of funding earning assets | 0.2133% | 4,863 |
| Net interest margin | 2.9699% | 4,989 |
| Noninterest income to average assets | 0.9741% | 1,085 |
| Noninterest expense to average assets | 1.6277% | 5,428 |
| Loan and lease loss provision to assets | 0.0890% | 2,296 |
| Net operating income to assets | 1.1772% | 1,787 |
| Return on assets (ROA) | 1.1772% | 1,830 |
| Pretax return on assets | 1.8750% | 733 |
| Return on Equity (ROE) | 9.4273% | 2,391 |
| Retained earnings to average equity (ytd only) | 5.7766% | 2,387 |
| Net charge-offs to loans | 0.1298% | 1,488 |
| Credit loss provision to net charge-offs | 115.8468% | 2,065 |
| Earnings coverage of net charge-offs (x) | 25.5518% | 1,723 |
| Efficiency ratio | 45.3181% | 5,437 |
| Assets per employee ($millions) | 9.4077% | 379 |
| Cash dividends to net income (ytd only)* | 38.7251% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,309 |
| Loan loss allowance to noncurrent loans | 867.6755% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 4,840 |
| Noncurrent loans to loans | 0.1303% | 4,538 |
| Net loans and leases to total assets | 58.4645% | 4,017 |
| Net loans and leases to deposits | 68.2320% | 4,095 |
| Net loans and leases to core deposits | 92.5676% | 2,393 |
| Total domestic deposits to total assets | 79.0638% | 4,519 |
| Equity capital to assets | 12.5267% | 1,647 |
| Core capital (leverage) ratio | 8.6252% | 5,129 |
| Tier 1 risk-based capital ratio | 12.6681% | 4,228 |
| Total risk-based capital ratio | 13.7300% | 4,244 |
| Memoranda: | ||
| Average total assets | $20,063,842,000 | 80 |
| Average earning assets | $17,684,748,500 | 81 |
| Average equity | $2,505,375,750 | 77 |
| Average total loans | $11,878,494,250 | 83 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1579% | 5,294 |
| Cost of funding earning assets | 0.1863% | 5,097 |
| Net interest margin | 2.9716% | 4,971 |
| Noninterest income to average assets | 0.9853% | 1,054 |
| Noninterest expense to average assets | 1.6491% | 5,455 |
| Loan and lease loss provision to assets | 0.0894% | 2,195 |
| Net operating income to assets | 1.1762% | 1,683 |
| Return on assets (ROA) | 1.1762% | 1,720 |
| Pretax return on assets | 1.8655% | 718 |
| Return on Equity (ROE) | 9.4294% | 2,305 |
| Retained earnings to average equity (ytd only) | 6.3841% | 1,908 |
| Net charge-offs to loans | 0.1274% | 1,397 |
| Credit loss provision to net charge-offs | 118.4929% | 1,795 |
| Earnings coverage of net charge-offs (x) | 25.9008% | 1,590 |
| Efficiency ratio | 45.7574% | 5,470 |
| Assets per employee ($millions) | 9.2912% | 376 |
| Cash dividends to net income (ytd only)* | 32.2953% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 3,397 |
| Loan loss allowance to noncurrent loans | 1,072.3306% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 4,948 |
| Noncurrent loans to loans | 0.1058% | 4,705 |
| Net loans and leases to total assets | 58.5819% | 3,968 |
| Net loans and leases to deposits | 68.2817% | 4,041 |
| Net loans and leases to core deposits | 88.7710% | 2,637 |
| Total domestic deposits to total assets | 79.3026% | 4,560 |
| Equity capital to assets | 12.4926% | 1,627 |
| Core capital (leverage) ratio | 8.6594% | 5,080 |
| Tier 1 risk-based capital ratio | 12.6724% | 4,195 |
| Total risk-based capital ratio | 13.7510% | 4,199 |
| Memoranda: | ||
| Average total assets | $19,902,971,000 | 80 |
| Average earning assets | $17,539,530,330 | 81 |
| Average equity | $2,482,567,000 | 75 |
| Average total loans | $11,788,088,670 | 83 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1572% | 5,298 |
| Cost of funding earning assets | 0.1747% | 5,201 |
| Net interest margin | 2.9825% | 4,923 |
| Noninterest income to average assets | 1.0044% | 997 |
| Noninterest expense to average assets | 1.6650% | 5,507 |
| Loan and lease loss provision to assets | 0.0915% | 2,013 |
| Net operating income to assets | 1.1850% | 1,540 |
| Return on assets (ROA) | 1.1850% | 1,582 |
| Pretax return on assets | 1.8774% | 676 |
| Return on Equity (ROE) | 9.5077% | 2,183 |
| Retained earnings to average equity (ytd only) | 3.3420% | 3,766 |
| Net charge-offs to loans | 0.1424% | 1,086 |
| Credit loss provision to net charge-offs | 108.5122% | 1,487 |
| Earnings coverage of net charge-offs (x) | 23.3542% | 1,390 |
| Efficiency ratio | 45.8188% | 5,539 |
| Assets per employee ($millions) | 8.9936% | 428 |
| Cash dividends to net income (ytd only)* | 64.8493% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 3,397 |
| Loan loss allowance to noncurrent loans | 1,248.8233% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 5,066 |
| Noncurrent loans to loans | 0.0923% | 4,821 |
| Net loans and leases to total assets | 58.9924% | 3,886 |
| Net loans and leases to deposits | 68.7112% | 3,919 |
| Net loans and leases to core deposits | 89.1569% | 2,438 |
| Total domestic deposits to total assets | 79.2366% | 4,781 |
| Equity capital to assets | 12.4816% | 1,552 |
| Core capital (leverage) ratio | 8.3146% | 5,373 |
| Tier 1 risk-based capital ratio | 12.4925% | 4,394 |
| Total risk-based capital ratio | 13.5886% | 4,390 |
| Memoranda: | ||
| Average total assets | $19,675,969,000 | 80 |
| Average earning assets | $17,347,100,000 | 82 |
| Average equity | $2,452,288,000 | 74 |
| Average total loans | $11,650,937,000 | 83 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0493% | 5,462 |
| Cost of funding earning assets | 0.1579% | 5,366 |
| Net interest margin | 2.8914% | 5,154 |
| Noninterest income to average assets | 0.9804% | 1,199 |
| Noninterest expense to average assets | 1.6288% | 5,627 |
| Loan and lease loss provision to assets | 0.0444% | 3,498 |
| Net operating income to assets | 1.1480% | 1,706 |
| Return on assets (ROA) | 1.2381% | 1,470 |
| Pretax return on assets | 1.9855% | 516 |
| Return on Equity (ROE) | 9.5223% | 2,185 |
| Retained earnings to average equity (ytd only) | -9.5194% | 5,777 |
| Net charge-offs to loans | 0.0770% | 2,590 |
| Credit loss provision to net charge-offs | 100.1164% | 2,558 |
| Earnings coverage of net charge-offs (x) | 42.6113% | 1,132 |
| Efficiency ratio | 46.3005% | 5,630 |
| Assets per employee ($millions) | 9.0000% | 423 |
| Cash dividends to net income (ytd only)* | 199.9696% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,269 |
| Loan loss allowance to noncurrent loans | 1,067.0499% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 5,064 |
| Noncurrent loans to loans | 0.1102% | 4,789 |
| Net loans and leases to total assets | 58.0536% | 4,060 |
| Net loans and leases to deposits | 67.7650% | 4,100 |
| Net loans and leases to core deposits | 86.6732% | 2,795 |
| Total domestic deposits to total assets | 79.2166% | 4,743 |
| Equity capital to assets | 12.4450% | 1,557 |
| Core capital (leverage) ratio | 8.1924% | 5,509 |
| Tier 1 risk-based capital ratio | 12.5076% | 4,370 |
| Total risk-based capital ratio | 13.6179% | 4,346 |
| Memoranda: | ||
| Average total assets | $19,375,558,400 | 79 |
| Average earning assets | $17,004,346,000 | 79 |
| Average equity | $2,519,149,800 | 69 |
| Average total loans | $11,157,859,200 | 84 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9925% | 5,576 |
| Cost of funding earning assets | 0.1557% | 5,449 |
| Net interest margin | 2.8367% | 5,292 |
| Noninterest income to average assets | 0.9858% | 1,173 |
| Noninterest expense to average assets | 1.6357% | 5,662 |
| Loan and lease loss provision to assets | 0.0324% | 3,579 |
| Net operating income to assets | 1.1302% | 1,875 |
| Return on assets (ROA) | 1.2440% | 1,578 |
| Pretax return on assets | 1.9832% | 592 |
| Return on Equity (ROE) | 9.4649% | 2,287 |
| Retained earnings to average equity (ytd only) | -13.5214% | 5,882 |
| Net charge-offs to loans | 0.0622% | 2,466 |
| Credit loss provision to net charge-offs | 91.1029% | 2,515 |
| Earnings coverage of net charge-offs (x) | 51.6126% | 1,048 |
| Efficiency ratio | 47.0892% | 5,627 |
| Assets per employee ($millions) | 9.0315% | 405 |
| Cash dividends to net income (ytd only)* | 242.8586% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 3,337 |
| Loan loss allowance to noncurrent loans | 1,021.2919% | 571 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 5,152 |
| Noncurrent loans to loans | 0.1160% | 4,874 |
| Net loans and leases to total assets | 56.7554% | 4,224 |
| Net loans and leases to deposits | 66.3645% | 4,308 |
| Net loans and leases to core deposits | 86.4361% | 2,914 |
| Total domestic deposits to total assets | 78.9995% | 4,724 |
| Equity capital to assets | 12.5948% | 1,715 |
| Core capital (leverage) ratio | 8.2888% | 5,506 |
| Tier 1 risk-based capital ratio | 12.3330% | 4,584 |
| Total risk-based capital ratio | 13.4379% | 4,577 |
| Memoranda: | ||
| Average total assets | $19,316,698,500 | 79 |
| Average earning assets | $16,940,275,250 | 80 |
| Average equity | $2,538,790,000 | 68 |
| Average total loans | $11,067,229,500 | 83 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9906% | 5,662 |
| Cost of funding earning assets | 0.1566% | 5,504 |
| Net interest margin | 2.8341% | 5,375 |
| Noninterest income to average assets | 0.9838% | 1,160 |
| Noninterest expense to average assets | 1.6395% | 5,732 |
| Loan and lease loss provision to assets | 0.0272% | 3,583 |
| Net operating income to assets | 1.1232% | 1,876 |
| Return on assets (ROA) | 1.2953% | 1,394 |
| Pretax return on assets | 2.0700% | 498 |
| Return on Equity (ROE) | 9.7151% | 2,172 |
| Retained earnings to average equity (ytd only) | -22.4006% | 5,980 |
| Net charge-offs to loans | 0.0315% | 2,838 |
| Credit loss provision to net charge-offs | 150.8121% | 1,578 |
| Earnings coverage of net charge-offs (x) | 101.4971% | 570 |
| Efficiency ratio | 47.2787% | 5,698 |
| Assets per employee ($millions) | 8.6451% | 451 |
| Cash dividends to net income (ytd only)* | 330.5745% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 3,254 |
| Loan loss allowance to noncurrent loans | 840.2243% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 5,181 |
| Noncurrent loans to loans | 0.1451% | 4,853 |
| Net loans and leases to total assets | 58.1326% | 4,100 |
| Net loans and leases to deposits | 68.4855% | 4,137 |
| Net loans and leases to core deposits | 88.4266% | 2,690 |
| Total domestic deposits to total assets | 78.4511% | 4,902 |
| Equity capital to assets | 13.0116% | 1,493 |
| Core capital (leverage) ratio | 8.2485% | 5,573 |
| Tier 1 risk-based capital ratio | 12.2679% | 4,664 |
| Total risk-based capital ratio | 13.4006% | 4,649 |
| Memoranda: | ||
| Average total assets | $19,141,522,670 | 80 |
| Average earning assets | $16,777,225,670 | 81 |
| Average equity | $2,552,025,670 | 68 |
| Average total loans | $10,957,454,330 | 84 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9389% | 5,744 |
| Cost of funding earning assets | 0.1543% | 5,577 |
| Net interest margin | 2.7846% | 5,492 |
| Noninterest income to average assets | 0.9953% | 1,086 |
| Noninterest expense to average assets | 1.6500% | 5,795 |
| Loan and lease loss provision to assets | 0.0146% | 3,501 |
| Net operating income to assets | 1.0858% | 1,961 |
| Return on assets (ROA) | 1.4287% | 1,028 |
| Pretax return on assets | 2.3096% | 315 |
| Return on Equity (ROE) | 10.5900% | 1,748 |
| Retained earnings to average equity (ytd only) | -45.1670% | 6,069 |
| Net charge-offs to loans | -0.0358% | 5,147 |
| Credit loss provision to net charge-offs | -72.1649% | 4,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9876% | 5,724 |
| Assets per employee ($millions) | 8.7269% | 434 |
| Cash dividends to net income (ytd only)* | 526.5076% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 3,172 |
| Loan loss allowance to noncurrent loans | 739.4145% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 5,185 |
| Noncurrent loans to loans | 0.1692% | 4,813 |
| Net loans and leases to total assets | 56.7460% | 4,175 |
| Net loans and leases to deposits | 67.4298% | 4,113 |
| Net loans and leases to core deposits | 88.2637% | 2,537 |
| Total domestic deposits to total assets | 78.0162% | 5,147 |
| Equity capital to assets | 12.9020% | 1,458 |
| Core capital (leverage) ratio | 8.1602% | 5,674 |
| Tier 1 risk-based capital ratio | 12.5158% | 4,565 |
| Total risk-based capital ratio | 13.6726% | 4,535 |
| Memoranda: | ||
| Average total assets | $19,207,008,500 | 80 |
| Average earning assets | $16,851,604,500 | 80 |
| Average equity | $2,591,246,500 | 69 |
| Average total loans | $10,842,334,000 | 84 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9457% | 5,780 |
| Cost of funding earning assets | 0.1371% | 5,774 |
| Net interest margin | 2.8086% | 5,495 |
| Noninterest income to average assets | 1.0623% | 1,042 |
| Noninterest expense to average assets | 1.6101% | 5,910 |
| Loan and lease loss provision to assets | 0.0528% | 3,255 |
| Net operating income to assets | 1.2169% | 1,491 |
| Return on assets (ROA) | 1.2597% | 1,418 |
| Pretax return on assets | 1.9267% | 629 |
| Return on Equity (ROE) | 8.7421% | 2,605 |
| Retained earnings to average equity (ytd only) | 2.2394% | 4,443 |
| Net charge-offs to loans | 0.0893% | 2,542 |
| Credit loss provision to net charge-offs | 107.3287% | 2,345 |
| Earnings coverage of net charge-offs (x) | 38.8833% | 1,205 |
| Efficiency ratio | 45.6911% | 5,937 |
| Assets per employee ($millions) | 8.9647% | 390 |
| Cash dividends to net income (ytd only)* | 74.3841% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 3,089 |
| Loan loss allowance to noncurrent loans | 625.8211% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 5,139 |
| Noncurrent loans to loans | 0.2019% | 4,695 |
| Net loans and leases to total assets | 54.7478% | 4,425 |
| Net loans and leases to deposits | 65.9108% | 4,323 |
| Net loans and leases to core deposits | 84.8572% | 2,901 |
| Total domestic deposits to total assets | 77.1203% | 5,297 |
| Equity capital to assets | 14.0724% | 909 |
| Core capital (leverage) ratio | 9.7996% | 3,775 |
| Tier 1 risk-based capital ratio | 15.2382% | 3,060 |
| Total risk-based capital ratio | 16.4013% | 3,035 |
| Memoranda: | ||
| Average total assets | $18,740,996,400 | 76 |
| Average earning assets | $16,425,537,800 | 78 |
| Average equity | $2,700,395,000 | 68 |
| Average total loans | $10,328,173,000 | 86 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9606% | 5,842 |
| Cost of funding earning assets | 0.1362% | 5,878 |
| Net interest margin | 2.8244% | 5,537 |
| Noninterest income to average assets | 1.0701% | 1,050 |
| Noninterest expense to average assets | 1.6256% | 5,968 |
| Loan and lease loss provision to assets | 0.0531% | 3,133 |
| Net operating income to assets | 1.1684% | 1,762 |
| Return on assets (ROA) | 1.2372% | 1,590 |
| Pretax return on assets | 1.9739% | 629 |
| Return on Equity (ROE) | 8.5348% | 2,803 |
| Retained earnings to average equity (ytd only) | 2.5687% | 4,593 |
| Net charge-offs to loans | 0.0881% | 2,285 |
| Credit loss provision to net charge-offs | 109.4513% | 2,120 |
| Earnings coverage of net charge-offs (x) | 39.5876% | 1,256 |
| Efficiency ratio | 45.8551% | 5,967 |
| Assets per employee ($millions) | 8.7292% | 411 |
| Cash dividends to net income (ytd only)* | 69.9025% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 3,129 |
| Loan loss allowance to noncurrent loans | 542.5258% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 5,191 |
| Noncurrent loans to loans | 0.2387% | 4,716 |
| Net loans and leases to total assets | 54.7529% | 4,486 |
| Net loans and leases to deposits | 66.6795% | 4,312 |
| Net loans and leases to core deposits | 86.0865% | 2,847 |
| Total domestic deposits to total assets | 75.5801% | 5,557 |
| Equity capital to assets | 14.4716% | 866 |
| Core capital (leverage) ratio | 10.0133% | 3,608 |
| Tier 1 risk-based capital ratio | 15.6165% | 2,990 |
| Total risk-based capital ratio | 16.8212% | 2,940 |
| Memoranda: | ||
| Average total assets | $18,592,015,000 | 77 |
| Average earning assets | $16,290,944,750 | 80 |
| Average equity | $2,695,200,000 | 67 |
| Average total loans | $10,229,708,750 | 87 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9968% | 5,859 |
| Cost of funding earning assets | 0.1369% | 5,941 |
| Net interest margin | 2.8599% | 5,518 |
| Noninterest income to average assets | 1.0468% | 1,082 |
| Noninterest expense to average assets | 1.6478% | 6,019 |
| Loan and lease loss provision to assets | 0.0524% | 3,072 |
| Net operating income to assets | 1.1497% | 1,785 |
| Return on assets (ROA) | 1.2248% | 1,603 |
| Pretax return on assets | 1.9667% | 640 |
| Return on Equity (ROE) | 8.4443% | 2,825 |
| Retained earnings to average equity (ytd only) | 2.5353% | 4,441 |
| Net charge-offs to loans | 0.0654% | 2,444 |
| Credit loss provision to net charge-offs | 146.0843% | 1,562 |
| Earnings coverage of net charge-offs (x) | 52.9973% | 914 |
| Efficiency ratio | 46.4224% | 6,023 |
| Assets per employee ($millions) | 8.6424% | 416 |
| Cash dividends to net income (ytd only)* | 69.9757% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 3,104 |
| Loan loss allowance to noncurrent loans | 581.8453% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 5,307 |
| Noncurrent loans to loans | 0.2280% | 4,859 |
| Net loans and leases to total assets | 54.3043% | 4,521 |
| Net loans and leases to deposits | 66.6839% | 4,267 |
| Net loans and leases to core deposits | 86.5093% | 2,713 |
| Total domestic deposits to total assets | 75.0274% | 5,703 |
| Equity capital to assets | 14.4579% | 829 |
| Core capital (leverage) ratio | 9.9243% | 3,714 |
| Tier 1 risk-based capital ratio | 15.8068% | 2,951 |
| Total risk-based capital ratio | 17.0540% | 2,914 |
| Memoranda: | ||
| Average total assets | $18,504,334,000 | 79 |
| Average earning assets | $16,193,171,670 | 81 |
| Average equity | $2,684,056,330 | 69 |
| Average total loans | $10,153,230,330 | 89 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9324% | 5,966 |
| Cost of funding earning assets | 0.1388% | 6,005 |
| Net interest margin | 2.7935% | 5,656 |
| Noninterest income to average assets | 1.0988% | 935 |
| Noninterest expense to average assets | 1.6311% | 6,082 |
| Loan and lease loss provision to assets | 0.0565% | 2,805 |
| Net operating income to assets | 1.1577% | 1,676 |
| Return on assets (ROA) | 1.2272% | 1,564 |
| Pretax return on assets | 1.9655% | 622 |
| Return on Equity (ROE) | 8.4468% | 2,729 |
| Retained earnings to average equity (ytd only) | 2.5574% | 4,407 |
| Net charge-offs to loans | 0.0678% | 2,057 |
| Credit loss provision to net charge-offs | 152.0468% | 1,231 |
| Earnings coverage of net charge-offs (x) | 51.5211% | 820 |
| Efficiency ratio | 46.0185% | 6,100 |
| Assets per employee ($millions) | 8.6541% | 407 |
| Cash dividends to net income (ytd only)* | 69.7234% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3367% | 3,209 |
| Loan loss allowance to noncurrent loans | 485.5548% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1531% | 5,341 |
| Noncurrent loans to loans | 0.2753% | 4,795 |
| Net loans and leases to total assets | 53.5059% | 4,498 |
| Net loans and leases to deposits | 66.0002% | 4,152 |
| Net loans and leases to core deposits | 85.3548% | 2,610 |
| Total domestic deposits to total assets | 74.7046% | 5,855 |
| Equity capital to assets | 14.3854% | 866 |
| Core capital (leverage) ratio | 9.9755% | 3,631 |
| Tier 1 risk-based capital ratio | 16.0784% | 2,886 |
| Total risk-based capital ratio | 17.3430% | 2,812 |
| Memoranda: | ||
| Average total assets | $18,418,384,000 | 79 |
| Average earning assets | $16,124,483,000 | 81 |
| Average equity | $2,675,991,500 | 67 |
| Average total loans | $10,090,673,500 | 90 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0513% | 6,011 |
| Cost of funding earning assets | 0.1534% | 6,078 |
| Net interest margin | 2.8980% | 5,649 |
| Noninterest income to average assets | 1.0701% | 1,060 |
| Noninterest expense to average assets | 1.6498% | 6,202 |
| Loan and lease loss provision to assets | 0.0630% | 3,256 |
| Net operating income to assets | 1.2097% | 1,555 |
| Return on assets (ROA) | 1.2854% | 1,387 |
| Pretax return on assets | 1.9961% | 520 |
| Return on Equity (ROE) | 8.5211% | 2,824 |
| Retained earnings to average equity (ytd only) | 1.0739% | 5,290 |
| Net charge-offs to loans | 0.0983% | 3,104 |
| Credit loss provision to net charge-offs | 116.3522% | 2,054 |
| Earnings coverage of net charge-offs (x) | 35.8214% | 1,180 |
| Efficiency ratio | 45.9461% | 6,268 |
| Assets per employee ($millions) | 8.3459% | 467 |
| Cash dividends to net income (ytd only)* | 87.3976% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 3,210 |
| Loan loss allowance to noncurrent loans | 489.3241% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 5,321 |
| Noncurrent loans to loans | 0.2747% | 4,869 |
| Net loans and leases to total assets | 54.6122% | 4,501 |
| Net loans and leases to deposits | 67.1978% | 4,201 |
| Net loans and leases to core deposits | 87.0481% | 2,604 |
| Total domestic deposits to total assets | 74.8257% | 5,872 |
| Equity capital to assets | 14.6822% | 763 |
| Core capital (leverage) ratio | 10.1172% | 3,412 |
| Tier 1 risk-based capital ratio | 16.0748% | 2,927 |
| Total risk-based capital ratio | 17.3428% | 2,859 |
| Memoranda: | ||
| Average total assets | $17,607,102,200 | 78 |
| Average earning assets | $15,314,106,800 | 78 |
| Average equity | $2,656,010,200 | 62 |
| Average total loans | $9,704,350,200 | 87 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0682% | 6,068 |
| Cost of funding earning assets | 0.1559% | 6,150 |
| Net interest margin | 2.9123% | 5,676 |
| Noninterest income to average assets | 1.0802% | 1,043 |
| Noninterest expense to average assets | 1.6594% | 6,238 |
| Loan and lease loss provision to assets | 0.0664% | 3,020 |
| Net operating income to assets | 1.1874% | 1,721 |
| Return on assets (ROA) | 1.2582% | 1,558 |
| Pretax return on assets | 1.9971% | 576 |
| Return on Equity (ROE) | 8.2834% | 3,051 |
| Retained earnings to average equity (ytd only) | 0.9363% | 5,508 |
| Net charge-offs to loans | 0.0963% | 2,847 |
| Credit loss provision to net charge-offs | 125.1258% | 1,832 |
| Earnings coverage of net charge-offs (x) | 36.8205% | 1,196 |
| Efficiency ratio | 45.9381% | 6,294 |
| Assets per employee ($millions) | 8.3480% | 448 |
| Cash dividends to net income (ytd only)* | 88.6962% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 3,269 |
| Loan loss allowance to noncurrent loans | 423.0740% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 5,402 |
| Noncurrent loans to loans | 0.3261% | 4,930 |
| Net loans and leases to total assets | 53.4444% | 4,643 |
| Net loans and leases to deposits | 65.6827% | 4,368 |
| Net loans and leases to core deposits | 85.7001% | 2,694 |
| Total domestic deposits to total assets | 75.1795% | 5,909 |
| Equity capital to assets | 14.7341% | 797 |
| Core capital (leverage) ratio | 10.3417% | 3,228 |
| Tier 1 risk-based capital ratio | 16.3790% | 2,859 |
| Total risk-based capital ratio | 17.6687% | 2,798 |
| Memoranda: | ||
| Average total assets | $17,479,148,250 | 77 |
| Average earning assets | $15,196,957,750 | 78 |
| Average equity | $2,654,949,000 | 61 |
| Average total loans | $9,622,954,250 | 88 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0847% | 6,077 |
| Cost of funding earning assets | 0.1591% | 6,203 |
| Net interest margin | 2.9257% | 5,683 |
| Noninterest income to average assets | 1.0882% | 1,009 |
| Noninterest expense to average assets | 1.6714% | 6,297 |
| Loan and lease loss provision to assets | 0.0717% | 2,838 |
| Net operating income to assets | 1.1879% | 1,628 |
| Return on assets (ROA) | 1.2624% | 1,476 |
| Pretax return on assets | 1.9993% | 555 |
| Return on Equity (ROE) | 8.2255% | 2,971 |
| Retained earnings to average equity (ytd only) | 1.0038% | 5,354 |
| Net charge-offs to loans | 0.1005% | 2,675 |
| Credit loss provision to net charge-offs | 128.9249% | 1,617 |
| Earnings coverage of net charge-offs (x) | 35.1306% | 1,153 |
| Efficiency ratio | 46.0949% | 6,361 |
| Assets per employee ($millions) | 8.1260% | 463 |
| Cash dividends to net income (ytd only)* | 87.7965% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3959% | 3,372 |
| Loan loss allowance to noncurrent loans | 419.1469% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 5,541 |
| Noncurrent loans to loans | 0.3330% | 5,016 |
| Net loans and leases to total assets | 54.3323% | 4,499 |
| Net loans and leases to deposits | 67.3611% | 4,128 |
| Net loans and leases to core deposits | 87.7662% | 2,334 |
| Total domestic deposits to total assets | 74.4348% | 6,070 |
| Equity capital to assets | 15.2296% | 651 |
| Core capital (leverage) ratio | 10.3982% | 3,084 |
| Tier 1 risk-based capital ratio | 16.4746% | 2,841 |
| Total risk-based capital ratio | 17.7823% | 2,779 |
| Memoranda: | ||
| Average total assets | $17,286,647,000 | 76 |
| Average earning assets | $14,994,987,670 | 78 |
| Average equity | $2,653,104,670 | 60 |
| Average total loans | $9,568,851,000 | 89 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0500% | 6,182 |
| Cost of funding earning assets | 0.1618% | 6,285 |
| Net interest margin | 2.8882% | 5,777 |
| Noninterest income to average assets | 1.0875% | 946 |
| Noninterest expense to average assets | 1.6728% | 6,371 |
| Loan and lease loss provision to assets | 0.0675% | 2,774 |
| Net operating income to assets | 1.1631% | 1,584 |
| Return on assets (ROA) | 1.2390% | 1,431 |
| Pretax return on assets | 1.9690% | 566 |
| Return on Equity (ROE) | 8.0414% | 2,907 |
| Retained earnings to average equity (ytd only) | 0.9687% | 5,210 |
| Net charge-offs to loans | 0.0940% | 2,224 |
| Credit loss provision to net charge-offs | 129.4643% | 1,389 |
| Earnings coverage of net charge-offs (x) | 36.7701% | 927 |
| Efficiency ratio | 46.5866% | 6,407 |
| Assets per employee ($millions) | 8.0280% | 474 |
| Cash dividends to net income (ytd only)* | 87.9534% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 3,578 |
| Loan loss allowance to noncurrent loans | 408.8519% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 5,622 |
| Noncurrent loans to loans | 0.3437% | 5,081 |
| Net loans and leases to total assets | 54.4621% | 4,353 |
| Net loans and leases to deposits | 67.8807% | 3,867 |
| Net loans and leases to core deposits | 89.3451% | 1,973 |
| Total domestic deposits to total assets | 73.7496% | 6,261 |
| Equity capital to assets | 15.4009% | 616 |
| Core capital (leverage) ratio | 10.5595% | 2,857 |
| Tier 1 risk-based capital ratio | 16.5748% | 2,859 |
| Total risk-based capital ratio | 17.9049% | 2,798 |
| Memoranda: | ||
| Average total assets | $17,178,249,500 | 77 |
| Average earning assets | $14,888,058,000 | 79 |
| Average equity | $2,646,804,000 | 60 |
| Average total loans | $9,530,948,000 | 88 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2240% | 6,111 |
| Cost of funding earning assets | 0.1959% | 6,312 |
| Net interest margin | 3.0281% | 5,511 |
| Noninterest income to average assets | 1.1382% | 1,082 |
| Noninterest expense to average assets | 1.7949% | 6,326 |
| Loan and lease loss provision to assets | 0.0731% | 3,655 |
| Net operating income to assets | 1.1968% | 1,580 |
| Return on assets (ROA) | 1.2403% | 1,481 |
| Pretax return on assets | 1.9697% | 522 |
| Return on Equity (ROE) | 7.8512% | 3,114 |
| Retained earnings to average equity (ytd only) | 0.8682% | 5,446 |
| Net charge-offs to loans | 0.1001% | 3,838 |
| Credit loss provision to net charge-offs | 132.0346% | 1,782 |
| Earnings coverage of net charge-offs (x) | 35.6535% | 1,046 |
| Efficiency ratio | 47.6115% | 6,499 |
| Assets per employee ($millions) | 7.9150% | 488 |
| Cash dividends to net income (ytd only)* | 88.9422% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 3,664 |
| Loan loss allowance to noncurrent loans | 391.2465% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 5,647 |
| Noncurrent loans to loans | 0.3573% | 5,117 |
| Net loans and leases to total assets | 54.9502% | 4,466 |
| Net loans and leases to deposits | 69.2193% | 3,883 |
| Net loans and leases to core deposits | 90.5547% | 1,957 |
| Total domestic deposits to total assets | 73.1473% | 6,343 |
| Equity capital to assets | 15.4149% | 602 |
| Core capital (leverage) ratio | 10.5955% | 2,785 |
| Tier 1 risk-based capital ratio | 16.5395% | 2,833 |
| Total risk-based capital ratio | 17.9044% | 2,737 |
| Memoranda: | ||
| Average total assets | $16,680,106,600 | 74 |
| Average earning assets | $14,497,271,000 | 75 |
| Average equity | $2,634,949,600 | 58 |
| Average total loans | $9,231,218,200 | 84 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2620% | 6,117 |
| Cost of funding earning assets | 0.2033% | 6,386 |
| Net interest margin | 3.0587% | 5,439 |
| Noninterest income to average assets | 1.1432% | 1,119 |
| Noninterest expense to average assets | 1.7919% | 6,351 |
| Loan and lease loss provision to assets | 0.0740% | 3,574 |
| Net operating income to assets | 1.2035% | 1,620 |
| Return on assets (ROA) | 1.2503% | 1,557 |
| Pretax return on assets | 2.0120% | 565 |
| Return on Equity (ROE) | 7.8658% | 3,192 |
| Retained earnings to average equity (ytd only) | 0.8666% | 5,630 |
| Net charge-offs to loans | 0.0951% | 3,612 |
| Credit loss provision to net charge-offs | 140.8451% | 1,667 |
| Earnings coverage of net charge-offs (x) | 38.3054% | 1,037 |
| Efficiency ratio | 47.0971% | 6,551 |
| Assets per employee ($millions) | 7.7703% | 513 |
| Cash dividends to net income (ytd only)* | 88.9824% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4274% | 3,777 |
| Loan loss allowance to noncurrent loans | 373.6565% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 5,775 |
| Noncurrent loans to loans | 0.3820% | 5,256 |
| Net loans and leases to total assets | 55.0050% | 4,457 |
| Net loans and leases to deposits | 69.8965% | 3,803 |
| Net loans and leases to core deposits | 92.6414% | 1,708 |
| Total domestic deposits to total assets | 72.6968% | 6,452 |
| Equity capital to assets | 15.6575% | 603 |
| Core capital (leverage) ratio | 10.7519% | 2,722 |
| Tier 1 risk-based capital ratio | 17.0695% | 2,681 |
| Total risk-based capital ratio | 18.4265% | 2,601 |
| Memoranda: | ||
| Average total assets | $16,574,062,750 | 73 |
| Average earning assets | $14,421,927,000 | 76 |
| Average equity | $2,634,534,750 | 58 |
| Average total loans | $9,156,003,500 | 83 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2835% | 6,113 |
| Cost of funding earning assets | 0.2070% | 6,439 |
| Net interest margin | 3.0765% | 5,345 |
| Noninterest income to average assets | 1.1625% | 1,126 |
| Noninterest expense to average assets | 1.8033% | 6,374 |
| Loan and lease loss provision to assets | 0.0738% | 3,564 |
| Net operating income to assets | 1.2185% | 1,542 |
| Return on assets (ROA) | 1.2636% | 1,518 |
| Pretax return on assets | 2.0355% | 565 |
| Return on Equity (ROE) | 7.9097% | 3,139 |
| Retained earnings to average equity (ytd only) | 0.9064% | 5,538 |
| Net charge-offs to loans | 0.0858% | 3,505 |
| Credit loss provision to net charge-offs | 156.2500% | 1,478 |
| Earnings coverage of net charge-offs (x) | 43.1760% | 879 |
| Efficiency ratio | 46.9350% | 6,590 |
| Assets per employee ($millions) | 7.6792% | 517 |
| Cash dividends to net income (ytd only)* | 88.5405% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 3,851 |
| Loan loss allowance to noncurrent loans | 329.7941% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2543% | 5,726 |
| Noncurrent loans to loans | 0.4364% | 5,173 |
| Net loans and leases to total assets | 54.7172% | 4,490 |
| Net loans and leases to deposits | 70.2307% | 3,689 |
| Net loans and leases to core deposits | 93.5455% | 1,560 |
| Total domestic deposits to total assets | 71.9277% | 6,565 |
| Equity capital to assets | 15.8675% | 544 |
| Core capital (leverage) ratio | 10.8406% | 2,512 |
| Tier 1 risk-based capital ratio | 17.1104% | 2,675 |
| Total risk-based capital ratio | 18.4641% | 2,607 |
| Memoranda: | ||
| Average total assets | $16,535,190,330 | 73 |
| Average earning assets | $14,401,859,330 | 76 |
| Average equity | $2,641,601,330 | 58 |
| Average total loans | $9,103,450,670 | 83 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3244% | 6,104 |
| Cost of funding earning assets | 0.2094% | 6,530 |
| Net interest margin | 3.1150% | 5,210 |
| Noninterest income to average assets | 1.1612% | 1,109 |
| Noninterest expense to average assets | 1.7677% | 6,474 |
| Loan and lease loss provision to assets | 0.0702% | 3,457 |
| Net operating income to assets | 1.2723% | 1,345 |
| Return on assets (ROA) | 1.2736% | 1,446 |
| Pretax return on assets | 2.0425% | 553 |
| Return on Equity (ROE) | 7.9450% | 3,007 |
| Retained earnings to average equity (ytd only) | 0.9183% | 5,477 |
| Net charge-offs to loans | 0.0949% | 2,902 |
| Credit loss provision to net charge-offs | 135.0093% | 1,469 |
| Earnings coverage of net charge-offs (x) | 40.5675% | 783 |
| Efficiency ratio | 45.5772% | 6,706 |
| Assets per employee ($millions) | 7.6621% | 574 |
| Cash dividends to net income (ytd only)* | 88.4417% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 4,040 |
| Loan loss allowance to noncurrent loans | 301.6923% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 5,676 |
| Noncurrent loans to loans | 0.4781% | 5,227 |
| Net loans and leases to total assets | 54.6273% | 4,311 |
| Net loans and leases to deposits | 69.6878% | 3,542 |
| Net loans and leases to core deposits | 90.7524% | 1,635 |
| Total domestic deposits to total assets | 72.7058% | 6,623 |
| Equity capital to assets | 16.1669% | 532 |
| Core capital (leverage) ratio | 10.8398% | 2,415 |
| Tier 1 risk-based capital ratio | 17.5840% | 2,527 |
| Total risk-based capital ratio | 18.9611% | 2,440 |
| Memoranda: | ||
| Average total assets | $16,513,115,500 | 71 |
| Average earning assets | $14,404,889,500 | 75 |
| Average equity | $2,647,036,000 | 58 |
| Average total loans | $9,053,061,500 | 84 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4180% | 6,463 |
| Cost of funding earning assets | 0.2331% | 6,741 |
| Net interest margin | 3.1849% | 5,607 |
| Noninterest income to average assets | 1.2135% | 1,061 |
| Noninterest expense to average assets | 1.8110% | 6,609 |
| Loan and lease loss provision to assets | 0.2161% | 2,972 |
| Net operating income to assets | 1.2756% | 1,380 |
| Return on assets (ROA) | 1.3429% | 1,332 |
| Pretax return on assets | 2.0603% | 534 |
| Return on Equity (ROE) | 8.1799% | 3,011 |
| Retained earnings to average equity (ytd only) | -0.7383% | 5,982 |
| Net charge-offs to loans | 0.2519% | 3,429 |
| Credit loss provision to net charge-offs | 160.7332% | 1,674 |
| Earnings coverage of net charge-offs (x) | 16.1643% | 1,597 |
| Efficiency ratio | 45.4589% | 6,800 |
| Assets per employee ($millions) | 7.8034% | 551 |
| Cash dividends to net income (ytd only)* | 109.0264% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 3,965 |
| Loan loss allowance to noncurrent loans | 288.5598% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 5,781 |
| Noncurrent loans to loans | 0.5004% | 5,284 |
| Net loans and leases to total assets | 53.4460% | 4,699 |
| Net loans and leases to deposits | 68.9771% | 3,840 |
| Net loans and leases to core deposits | 90.4805% | 1,785 |
| Total domestic deposits to total assets | 71.8201% | 6,701 |
| Equity capital to assets | 15.8950% | 574 |
| Core capital (leverage) ratio | 10.9085% | 2,335 |
| Tier 1 risk-based capital ratio | 17.4937% | 2,456 |
| Total risk-based capital ratio | 18.8594% | 2,379 |
| Memoranda: | ||
| Average total assets | $16,153,119,600 | 71 |
| Average earning assets | $14,050,554,800 | 73 |
| Average equity | $2,651,867,200 | 57 |
| Average total loans | $8,621,241,400 | 85 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4586% | 6,551 |
| Cost of funding earning assets | 0.2385% | 6,852 |
| Net interest margin | 3.2201% | 5,653 |
| Noninterest income to average assets | 1.2422% | 968 |
| Noninterest expense to average assets | 1.8415% | 6,628 |
| Loan and lease loss provision to assets | 0.2237% | 2,820 |
| Net operating income to assets | 1.2746% | 1,504 |
| Return on assets (ROA) | 1.3623% | 1,437 |
| Pretax return on assets | 2.1166% | 553 |
| Return on Equity (ROE) | 8.2302% | 3,175 |
| Retained earnings to average equity (ytd only) | -1.3912% | 6,322 |
| Net charge-offs to loans | 0.2162% | 3,430 |
| Credit loss provision to net charge-offs | 194.6454% | 1,430 |
| Earnings coverage of net charge-offs (x) | 19.1706% | 1,510 |
| Efficiency ratio | 45.5269% | 6,841 |
| Assets per employee ($millions) | 7.5544% | 582 |
| Cash dividends to net income (ytd only)* | 116.9037% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 3,946 |
| Loan loss allowance to noncurrent loans | 355.4087% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 6,052 |
| Noncurrent loans to loans | 0.4225% | 5,607 |
| Net loans and leases to total assets | 53.0694% | 4,902 |
| Net loans and leases to deposits | 67.0133% | 4,334 |
| Net loans and leases to core deposits | 91.1960% | 1,856 |
| Total domestic deposits to total assets | 73.3659% | 6,649 |
| Equity capital to assets | 16.3801% | 547 |
| Core capital (leverage) ratio | 11.1232% | 2,280 |
| Tier 1 risk-based capital ratio | 18.1975% | 2,267 |
| Total risk-based capital ratio | 19.5591% | 2,202 |
| Memoranda: | ||
| Average total assets | $16,032,165,000 | 74 |
| Average earning assets | $13,953,503,500 | 77 |
| Average equity | $2,653,725,500 | 57 |
| Average total loans | $8,521,036,000 | 85 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5084% | 6,597 |
| Cost of funding earning assets | 0.2439% | 6,933 |
| Net interest margin | 3.2646% | 5,550 |
| Noninterest income to average assets | 1.2818% | 866 |
| Noninterest expense to average assets | 1.8293% | 6,716 |
| Loan and lease loss provision to assets | 0.2511% | 2,570 |
| Net operating income to assets | 1.3184% | 1,394 |
| Return on assets (ROA) | 1.4135% | 1,297 |
| Pretax return on assets | 2.1878% | 490 |
| Return on Equity (ROE) | 8.5099% | 3,013 |
| Retained earnings to average equity (ytd only) | -2.5439% | 6,415 |
| Net charge-offs to loans | 0.2376% | 3,147 |
| Credit loss provision to net charge-offs | 199.7019% | 1,432 |
| Earnings coverage of net charge-offs (x) | 18.2364% | 1,496 |
| Efficiency ratio | 44.3799% | 6,940 |
| Assets per employee ($millions) | 7.5035% | 584 |
| Cash dividends to net income (ytd only)* | 129.8931% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 4,100 |
| Loan loss allowance to noncurrent loans | 329.0036% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 6,082 |
| Noncurrent loans to loans | 0.4504% | 5,634 |
| Net loans and leases to total assets | 52.5899% | 5,019 |
| Net loans and leases to deposits | 66.8400% | 4,388 |
| Net loans and leases to core deposits | 90.7445% | 1,902 |
| Total domestic deposits to total assets | 72.8730% | 6,757 |
| Equity capital to assets | 16.3580% | 527 |
| Core capital (leverage) ratio | 10.9500% | 2,352 |
| Tier 1 risk-based capital ratio | 18.1450% | 2,246 |
| Total risk-based capital ratio | 19.5024% | 2,178 |
| Memoranda: | ||
| Average total assets | $16,012,604,670 | 72 |
| Average earning assets | $13,930,162,000 | 75 |
| Average equity | $2,659,734,330 | 57 |
| Average total loans | $8,471,551,670 | 86 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5526% | 6,631 |
| Cost of funding earning assets | 0.2488% | 7,010 |
| Net interest margin | 3.3038% | 5,460 |
| Noninterest income to average assets | 1.3498% | 785 |
| Noninterest expense to average assets | 1.8623% | 6,714 |
| Loan and lease loss provision to assets | 0.3354% | 1,868 |
| Net operating income to assets | 1.3388% | 1,351 |
| Return on assets (ROA) | 1.4205% | 1,327 |
| Pretax return on assets | 2.1487% | 586 |
| Return on Equity (ROE) | 8.4874% | 3,066 |
| Retained earnings to average equity (ytd only) | 1.5791% | 5,446 |
| Net charge-offs to loans | 0.2710% | 2,585 |
| Credit loss provision to net charge-offs | 234.9641% | 1,203 |
| Earnings coverage of net charge-offs (x) | 16.5362% | 1,359 |
| Efficiency ratio | 44.1040% | 6,987 |
| Assets per employee ($millions) | 7.5151% | 589 |
| Cash dividends to net income (ytd only)* | 81.3953% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 4,267 |
| Loan loss allowance to noncurrent loans | 328.1331% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 6,227 |
| Noncurrent loans to loans | 0.4504% | 5,775 |
| Net loans and leases to total assets | 51.5534% | 5,075 |
| Net loans and leases to deposits | 66.9552% | 4,241 |
| Net loans and leases to core deposits | 91.1044% | 1,735 |
| Total domestic deposits to total assets | 71.2840% | 6,917 |
| Equity capital to assets | 16.6214% | 483 |
| Core capital (leverage) ratio | 11.3302% | 2,015 |
| Tier 1 risk-based capital ratio | 18.9092% | 2,020 |
| Total risk-based capital ratio | 20.2679% | 1,946 |
| Memoranda: | ||
| Average total assets | $15,982,606,000 | 72 |
| Average earning assets | $13,897,490,000 | 74 |
| Average equity | $2,675,022,000 | 55 |
| Average total loans | $8,417,483,500 | 86 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 6,308 |
| Cost of funding earning assets | 0.3081% | 7,095 |
| Net interest margin | 3.7723% | 3,965 |
| Noninterest income to average assets | 1.0910% | 1,115 |
| Noninterest expense to average assets | 1.9029% | 6,825 |
| Loan and lease loss provision to assets | 0.2757% | 3,461 |
| Net operating income to assets | 1.3618% | 1,107 |
| Return on assets (ROA) | 1.3691% | 1,173 |
| Pretax return on assets | 2.1866% | 379 |
| Return on Equity (ROE) | 7.8923% | 2,965 |
| Retained earnings to average equity (ytd only) | 0.8318% | 5,474 |
| Net charge-offs to loans | 0.4113% | 3,365 |
| Credit loss provision to net charge-offs | 123.9584% | 2,533 |
| Earnings coverage of net charge-offs (x) | 11.0188% | 1,768 |
| Efficiency ratio | 43.3152% | 7,139 |
| Assets per employee ($millions) | 7.3595% | 614 |
| Cash dividends to net income (ytd only)* | 89.4608% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3953% | 4,485 |
| Loan loss allowance to noncurrent loans | 284.9925% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 6,292 |
| Noncurrent loans to loans | 0.4896% | 5,734 |
| Net loans and leases to total assets | 52.2731% | 5,269 |
| Net loans and leases to deposits | 68.0190% | 4,448 |
| Net loans and leases to core deposits | 92.4380% | 1,848 |
| Total domestic deposits to total assets | 71.0758% | 6,928 |
| Equity capital to assets | 16.8550% | 470 |
| Core capital (leverage) ratio | 11.6140% | 1,811 |
| Tier 1 risk-based capital ratio | 18.7252% | 1,983 |
| Total risk-based capital ratio | 20.0683% | 1,912 |
| Memoranda: | ||
| Average total assets | $15,267,993,200 | 73 |
| Average earning assets | $13,206,626,000 | 75 |
| Average equity | $2,648,529,800 | 56 |
| Average total loans | $8,257,801,400 | 86 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 6,312 |
| Cost of funding earning assets | 0.3178% | 7,186 |
| Net interest margin | 3.8339% | 3,700 |
| Noninterest income to average assets | 1.1092% | 1,084 |
| Noninterest expense to average assets | 1.9218% | 6,827 |
| Loan and lease loss provision to assets | 0.2882% | 3,208 |
| Net operating income to assets | 1.3895% | 1,178 |
| Return on assets (ROA) | 1.3882% | 1,257 |
| Pretax return on assets | 2.2147% | 415 |
| Return on Equity (ROE) | 7.9438% | 3,061 |
| Retained earnings to average equity (ytd only) | 0.7820% | 5,700 |
| Net charge-offs to loans | 0.4510% | 2,921 |
| Credit loss provision to net charge-offs | 117.5456% | 2,777 |
| Earnings coverage of net charge-offs (x) | 10.2161% | 1,954 |
| Efficiency ratio | 43.0152% | 7,177 |
| Assets per employee ($millions) | 7.1196% | 695 |
| Cash dividends to net income (ytd only)* | 90.1553% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3906% | 4,602 |
| Loan loss allowance to noncurrent loans | 243.9430% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 6,265 |
| Noncurrent loans to loans | 0.5701% | 5,731 |
| Net loans and leases to total assets | 52.5394% | 5,381 |
| Net loans and leases to deposits | 66.0433% | 4,900 |
| Net loans and leases to core deposits | 91.4189% | 2,063 |
| Total domestic deposits to total assets | 73.7431% | 6,791 |
| Equity capital to assets | 17.3695% | 451 |
| Core capital (leverage) ratio | 11.8481% | 1,795 |
| Tier 1 risk-based capital ratio | 19.0599% | 1,914 |
| Total risk-based capital ratio | 20.3956% | 1,858 |
| Memoranda: | ||
| Average total assets | $15,127,431,500 | 72 |
| Average earning assets | $13,090,024,750 | 76 |
| Average equity | $2,643,616,500 | 56 |
| Average total loans | $8,224,240,750 | 86 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 6,298 |
| Cost of funding earning assets | 0.3254% | 7,268 |
| Net interest margin | 3.8646% | 3,470 |
| Noninterest income to average assets | 1.1274% | 1,017 |
| Noninterest expense to average assets | 1.9133% | 6,930 |
| Loan and lease loss provision to assets | 0.2871% | 3,089 |
| Net operating income to assets | 1.4244% | 1,037 |
| Return on assets (ROA) | 1.4240% | 1,100 |
| Pretax return on assets | 2.2695% | 367 |
| Return on Equity (ROE) | 8.1316% | 2,886 |
| Retained earnings to average equity (ytd only) | 0.8609% | 5,525 |
| Net charge-offs to loans | 0.4622% | 2,733 |
| Credit loss provision to net charge-offs | 113.4752% | 2,699 |
| Earnings coverage of net charge-offs (x) | 10.1080% | 1,854 |
| Efficiency ratio | 42.4013% | 7,291 |
| Assets per employee ($millions) | 6.8601% | 785 |
| Cash dividends to net income (ytd only)* | 89.4124% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3549% | 4,806 |
| Loan loss allowance to noncurrent loans | 243.9248% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3246% | 6,315 |
| Noncurrent loans to loans | 0.5554% | 5,808 |
| Net loans and leases to total assets | 54.8723% | 5,166 |
| Net loans and leases to deposits | 69.2276% | 4,533 |
| Net loans and leases to core deposits | 88.6949% | 2,539 |
| Total domestic deposits to total assets | 73.0719% | 6,916 |
| Equity capital to assets | 17.9402% | 385 |
| Core capital (leverage) ratio | 11.8534% | 1,689 |
| Tier 1 risk-based capital ratio | 18.5438% | 1,994 |
| Total risk-based capital ratio | 19.8524% | 1,931 |
| Memoranda: | ||
| Average total assets | $15,048,532,670 | 74 |
| Average earning assets | $13,017,143,000 | 77 |
| Average equity | $2,635,264,000 | 58 |
| Average total loans | $8,236,969,000 | 88 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 6,401 |
| Cost of funding earning assets | 0.3318% | 7,351 |
| Net interest margin | 3.8159% | 3,533 |
| Noninterest income to average assets | 1.1134% | 1,055 |
| Noninterest expense to average assets | 1.9111% | 6,971 |
| Loan and lease loss provision to assets | 0.2979% | 2,777 |
| Net operating income to assets | 1.3917% | 1,076 |
| Return on assets (ROA) | 1.3887% | 1,129 |
| Pretax return on assets | 2.2073% | 398 |
| Return on Equity (ROE) | 8.0257% | 2,898 |
| Retained earnings to average equity (ytd only) | 0.4083% | 5,653 |
| Net charge-offs to loans | 0.4986% | 2,227 |
| Credit loss provision to net charge-offs | 110.0078% | 2,427 |
| Earnings coverage of net charge-offs (x) | 9.2695% | 1,739 |
| Efficiency ratio | 42.8289% | 7,325 |
| Assets per employee ($millions) | 7.0252% | 725 |
| Cash dividends to net income (ytd only)* | 94.9127% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 4,950 |
| Loan loss allowance to noncurrent loans | 247.9250% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 6,429 |
| Noncurrent loans to loans | 0.5403% | 5,946 |
| Net loans and leases to total assets | 53.4596% | 5,388 |
| Net loans and leases to deposits | 74.9934% | 3,585 |
| Net loans and leases to core deposits | 95.7964% | 1,688 |
| Total domestic deposits to total assets | 65.3115% | 7,347 |
| Equity capital to assets | 17.3406% | 412 |
| Core capital (leverage) ratio | 11.7445% | 1,708 |
| Tier 1 risk-based capital ratio | 18.7099% | 1,892 |
| Total risk-based capital ratio | 20.0138% | 1,835 |
| Memoranda: | ||
| Average total assets | $15,174,160,500 | 75 |
| Average earning assets | $13,153,084,000 | 77 |
| Average equity | $2,625,567,500 | 57 |
| Average total loans | $8,239,887,000 | 87 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 6,538 |
| Cost of funding earning assets | 0.3939% | 7,430 |
| Net interest margin | 4.0479% | 2,810 |
| Noninterest income to average assets | 1.0953% | 1,243 |
| Noninterest expense to average assets | 2.0009% | 7,023 |
| Loan and lease loss provision to assets | 0.4325% | 3,527 |
| Net operating income to assets | 1.4643% | 830 |
| Return on assets (ROA) | 1.4621% | 894 |
| Pretax return on assets | 2.1478% | 360 |
| Return on Equity (ROE) | 8.2124% | 2,615 |
| Retained earnings to average equity (ytd only) | 3.2107% | 3,618 |
| Net charge-offs to loans | 0.7317% | 2,828 |
| Credit loss provision to net charge-offs | 106.3560% | 4,203 |
| Earnings coverage of net charge-offs (x) | 6.3531% | 2,378 |
| Efficiency ratio | 43.2444% | 7,433 |
| Assets per employee ($millions) | 7.0217% | 734 |
| Cash dividends to net income (ytd only)* | 60.9042% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 4,911 |
| Loan loss allowance to noncurrent loans | 227.7154% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3268% | 6,431 |
| Noncurrent loans to loans | 0.5786% | 5,899 |
| Net loans and leases to total assets | 53.7014% | 5,671 |
| Net loans and leases to deposits | 77.5815% | 3,579 |
| Net loans and leases to core deposits | 96.4260% | 1,953 |
| Total domestic deposits to total assets | 63.0617% | 7,463 |
| Equity capital to assets | 17.2653% | 426 |
| Core capital (leverage) ratio | 11.9182% | 1,606 |
| Tier 1 risk-based capital ratio | 18.5442% | 1,829 |
| Total risk-based capital ratio | 19.8168% | 1,789 |
| Memoranda: | ||
| Average total assets | $14,543,026,000 | 75 |
| Average earning assets | $12,535,703,200 | 78 |
| Average equity | $2,589,117,600 | 56 |
| Average total loans | $8,082,838,800 | 87 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5028% | 6,600 |
| Cost of funding earning assets | 0.4077% | 7,562 |
| Net interest margin | 4.0950% | 2,645 |
| Noninterest income to average assets | 1.1124% | 1,137 |
| Noninterest expense to average assets | 2.0033% | 7,042 |
| Loan and lease loss provision to assets | 0.4636% | 3,152 |
| Net operating income to assets | 1.5004% | 923 |
| Return on assets (ROA) | 1.5057% | 993 |
| Pretax return on assets | 2.1777% | 431 |
| Return on Equity (ROE) | 8.3903% | 2,747 |
| Retained earnings to average equity (ytd only) | 1.6993% | 5,111 |
| Net charge-offs to loans | 0.7113% | 2,643 |
| Credit loss provision to net charge-offs | 116.6262% | 3,568 |
| Earnings coverage of net charge-offs (x) | 6.6256% | 2,487 |
| Efficiency ratio | 42.8014% | 7,504 |
| Assets per employee ($millions) | 6.7740% | 845 |
| Cash dividends to net income (ytd only)* | 79.7468% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 4,535 |
| Loan loss allowance to noncurrent loans | 202.3236% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 6,434 |
| Noncurrent loans to loans | 0.6858% | 5,832 |
| Net loans and leases to total assets | 53.9098% | 5,861 |
| Net loans and leases to deposits | 76.3729% | 4,114 |
| Net loans and leases to core deposits | 93.8377% | 2,545 |
| Total domestic deposits to total assets | 64.6460% | 7,505 |
| Equity capital to assets | 17.5265% | 458 |
| Core capital (leverage) ratio | 11.6987% | 1,820 |
| Tier 1 risk-based capital ratio | 18.2028% | 1,968 |
| Total risk-based capital ratio | 19.5088% | 1,903 |
| Memoranda: | ||
| Average total assets | $14,380,023,750 | 76 |
| Average earning assets | $12,376,828,000 | 79 |
| Average equity | $2,580,530,750 | 56 |
| Average total loans | $8,036,323,500 | 90 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5668% | 6,541 |
| Cost of funding earning assets | 0.4201% | 7,642 |
| Net interest margin | 4.1467% | 2,346 |
| Noninterest income to average assets | 1.1451% | 991 |
| Noninterest expense to average assets | 2.0065% | 7,099 |
| Loan and lease loss provision to assets | 0.3877% | 3,394 |
| Net operating income to assets | 1.4854% | 939 |
| Return on assets (ROA) | 1.4894% | 985 |
| Pretax return on assets | 2.3182% | 325 |
| Return on Equity (ROE) | 8.2332% | 2,793 |
| Retained earnings to average equity (ytd only) | 2.0210% | 4,849 |
| Net charge-offs to loans | 0.5732% | 2,816 |
| Credit loss provision to net charge-offs | 120.1201% | 3,385 |
| Earnings coverage of net charge-offs (x) | 8.3638% | 2,147 |
| Efficiency ratio | 42.2376% | 7,579 |
| Assets per employee ($millions) | 6.7465% | 865 |
| Cash dividends to net income (ytd only)* | 75.4525% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 4,612 |
| Loan loss allowance to noncurrent loans | 255.3099% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 6,614 |
| Noncurrent loans to loans | 0.5339% | 6,185 |
| Net loans and leases to total assets | 53.8859% | 6,002 |
| Net loans and leases to deposits | 75.6008% | 4,402 |
| Net loans and leases to core deposits | 93.9842% | 2,712 |
| Total domestic deposits to total assets | 65.5157% | 7,548 |
| Equity capital to assets | 17.5766% | 464 |
| Core capital (leverage) ratio | 11.6902% | 1,812 |
| Tier 1 risk-based capital ratio | 17.8777% | 1,990 |
| Total risk-based capital ratio | 19.1033% | 1,962 |
| Memoranda: | ||
| Average total assets | $14,237,345,000 | 75 |
| Average earning assets | $12,226,300,000 | 78 |
| Average equity | $2,575,594,000 | 56 |
| Average total loans | $8,016,658,670 | 88 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 6,409 |
| Cost of funding earning assets | 0.4302% | 7,752 |
| Net interest margin | 4.2207% | 1,960 |
| Noninterest income to average assets | 1.1623% | 914 |
| Noninterest expense to average assets | 2.0875% | 6,977 |
| Loan and lease loss provision to assets | 0.4134% | 2,891 |
| Net operating income to assets | 1.4656% | 954 |
| Return on assets (ROA) | 1.4687% | 1,019 |
| Pretax return on assets | 2.2776% | 362 |
| Return on Equity (ROE) | 7.9991% | 2,884 |
| Retained earnings to average equity (ytd only) | 1.7668% | 5,057 |
| Net charge-offs to loans | 0.5959% | 2,318 |
| Credit loss provision to net charge-offs | 121.3062% | 2,881 |
| Earnings coverage of net charge-offs (x) | 7.8824% | 2,024 |
| Efficiency ratio | 43.3293% | 7,638 |
| Assets per employee ($millions) | 6.5348% | 979 |
| Cash dividends to net income (ytd only)* | 77.9120% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 4,683 |
| Loan loss allowance to noncurrent loans | 262.4970% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.3116% | 6,695 |
| Noncurrent loans to loans | 0.5139% | 6,262 |
| Net loans and leases to total assets | 55.2562% | 5,852 |
| Net loans and leases to deposits | 77.1359% | 4,196 |
| Net loans and leases to core deposits | 96.3820% | 2,544 |
| Total domestic deposits to total assets | 65.6345% | 7,627 |
| Equity capital to assets | 18.0449% | 417 |
| Core capital (leverage) ratio | 12.1337% | 1,580 |
| Tier 1 risk-based capital ratio | 17.9981% | 1,942 |
| Total risk-based capital ratio | 19.2200% | 1,917 |
| Memoranda: | ||
| Average total assets | $13,982,086,500 | 75 |
| Average earning assets | $11,963,344,500 | 78 |
| Average equity | $2,567,302,500 | 54 |
| Average total loans | $7,996,566,000 | 88 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 6,254 |
| Cost of funding earning assets | 0.6445% | 7,742 |
| Net interest margin | 4.4077% | 1,412 |
| Noninterest income to average assets | 1.3266% | 851 |
| Noninterest expense to average assets | 2.3180% | 6,699 |
| Loan and lease loss provision to assets | 0.3638% | 4,619 |
| Net operating income to assets | 1.7261% | 418 |
| Return on assets (ROA) | 1.7134% | 457 |
| Pretax return on assets | 2.3803% | 191 |
| Return on Equity (ROE) | 9.1070% | 1,989 |
| Retained earnings to average equity (ytd only) | 1.5743% | 3,976 |
| Net charge-offs to loans | 0.6048% | 3,404 |
| Credit loss provision to net charge-offs | 102.4016% | 5,397 |
| Earnings coverage of net charge-offs (x) | 7.7732% | 2,071 |
| Efficiency ratio | 45.2413% | 7,740 |
| Assets per employee ($millions) | 6.2071% | 1,129 |
| Cash dividends to net income (ytd only)* | 82.7137% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 4,679 |
| Loan loss allowance to noncurrent loans | 221.3301% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 6,527 |
| Noncurrent loans to loans | 0.5936% | 6,050 |
| Net loans and leases to total assets | 57.6514% | 5,719 |
| Net loans and leases to deposits | 77.1646% | 4,534 |
| Net loans and leases to core deposits | 104.6491% | 3,498 |
| Total domestic deposits to total assets | 68.6273% | 7,509 |
| Equity capital to assets | 18.6906% | 391 |
| Core capital (leverage) ratio | 12.3534% | 1,511 |
| Tier 1 risk-based capital ratio | 17.6669% | 1,983 |
| Total risk-based capital ratio | 18.8470% | 1,958 |
| Memoranda: | ||
| Average total assets | $13,454,411,200 | 80 |
| Average earning assets | $11,456,082,600 | 83 |
| Average equity | $2,531,343,000 | 54 |
| Average total loans | $7,903,690,800 | 91 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 6,265 |
| Cost of funding earning assets | 0.6942% | 7,819 |
| Net interest margin | 4.4062% | 1,426 |
| Noninterest income to average assets | 1.3669% | 811 |
| Noninterest expense to average assets | 2.3002% | 6,706 |
| Loan and lease loss provision to assets | 0.3763% | 4,068 |
| Net operating income to assets | 1.8133% | 431 |
| Return on assets (ROA) | 1.8143% | 461 |
| Pretax return on assets | 2.4424% | 214 |
| Return on Equity (ROE) | 9.6270% | 2,058 |
| Retained earnings to average equity (ytd only) | 1.9308% | 4,247 |
| Net charge-offs to loans | 0.6186% | 2,823 |
| Credit loss provision to net charge-offs | 103.4143% | 4,923 |
| Earnings coverage of net charge-offs (x) | 7.7421% | 2,355 |
| Efficiency ratio | 44.5561% | 7,816 |
| Assets per employee ($millions) | 6.1283% | 1,151 |
| Cash dividends to net income (ytd only)* | 79.9437% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 4,189 |
| Loan loss allowance to noncurrent loans | 209.0160% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 6,473 |
| Noncurrent loans to loans | 0.6469% | 6,004 |
| Net loans and leases to total assets | 55.6654% | 6,180 |
| Net loans and leases to deposits | 76.6652% | 4,944 |
| Net loans and leases to core deposits | 106.1145% | 3,689 |
| Total domestic deposits to total assets | 67.0537% | 7,636 |
| Equity capital to assets | 18.4613% | 473 |
| Core capital (leverage) ratio | 12.4920% | 1,587 |
| Tier 1 risk-based capital ratio | 18.0529% | 1,974 |
| Total risk-based capital ratio | 19.2629% | 1,935 |
| Memoranda: | ||
| Average total assets | $13,391,690,500 | 84 |
| Average earning assets | $11,399,630,000 | 86 |
| Average equity | $2,523,778,250 | 55 |
| Average total loans | $7,877,991,000 | 97 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2123% | 6,034 |
| Cost of funding earning assets | 0.7408% | 7,879 |
| Net interest margin | 4.4715% | 1,242 |
| Noninterest income to average assets | 1.4225% | 740 |
| Noninterest expense to average assets | 2.3549% | 6,611 |
| Loan and lease loss provision to assets | 0.4406% | 3,349 |
| Net operating income to assets | 1.9311% | 350 |
| Return on assets (ROA) | 1.9327% | 379 |
| Pretax return on assets | 2.4236% | 239 |
| Return on Equity (ROE) | 10.1831% | 1,958 |
| Retained earnings to average equity (ytd only) | 4.1668% | 2,978 |
| Net charge-offs to loans | 0.6828% | 2,336 |
| Credit loss provision to net charge-offs | 108.1481% | 4,276 |
| Earnings coverage of net charge-offs (x) | 7.0259% | 2,505 |
| Efficiency ratio | 44.7510% | 7,897 |
| Assets per employee ($millions) | 5.9885% | 1,222 |
| Cash dividends to net income (ytd only)* | 59.0814% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 3,971 |
| Loan loss allowance to noncurrent loans | 201.9770% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 6,466 |
| Noncurrent loans to loans | 0.6691% | 5,912 |
| Net loans and leases to total assets | 57.2053% | 6,067 |
| Net loans and leases to deposits | 78.1701% | 4,842 |
| Net loans and leases to core deposits | 106.0405% | 3,839 |
| Total domestic deposits to total assets | 68.0711% | 7,618 |
| Equity capital to assets | 18.8500% | 471 |
| Core capital (leverage) ratio | 12.9311% | 1,456 |
| Tier 1 risk-based capital ratio | 17.9666% | 2,035 |
| Total risk-based capital ratio | 19.1700% | 1,977 |
| Memoranda: | ||
| Average total assets | $13,255,252,330 | 90 |
| Average earning assets | $11,249,053,000 | 95 |
| Average equity | $2,515,754,000 | 58 |
| Average total loans | $7,908,093,330 | 102 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3364% | 5,721 |
| Cost of funding earning assets | 0.8019% | 7,908 |
| Net interest margin | 4.5345% | 1,058 |
| Noninterest income to average assets | 1.3555% | 780 |
| Noninterest expense to average assets | 2.2552% | 6,678 |
| Loan and lease loss provision to assets | 0.5861% | 2,149 |
| Net operating income to assets | 2.2726% | 209 |
| Return on assets (ROA) | 2.2737% | 239 |
| Pretax return on assets | 2.3595% | 328 |
| Return on Equity (ROE) | 11.9376% | 1,680 |
| Retained earnings to average equity (ytd only) | 11.0276% | 964 |
| Net charge-offs to loans | 0.8272% | 1,567 |
| Credit loss provision to net charge-offs | 117.0660% | 3,335 |
| Earnings coverage of net charge-offs (x) | 5.8813% | 2,590 |
| Efficiency ratio | 42.9805% | 7,968 |
| Assets per employee ($millions) | 5.8855% | 1,264 |
| Cash dividends to net income (ytd only)* | 7.6230% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 3,833 |
| Loan loss allowance to noncurrent loans | 189.5660% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4257% | 6,227 |
| Noncurrent loans to loans | 0.7089% | 5,635 |
| Net loans and leases to total assets | 58.6859% | 5,848 |
| Net loans and leases to deposits | 82.4258% | 4,218 |
| Net loans and leases to core deposits | 110.3598% | 3,385 |
| Total domestic deposits to total assets | 66.3190% | 7,712 |
| Equity capital to assets | 18.9882% | 502 |
| Core capital (leverage) ratio | 13.2820% | 1,395 |
| Tier 1 risk-based capital ratio | 17.9997% | 2,054 |
| Total risk-based capital ratio | 19.2002% | 2,014 |
| Memoranda: | ||
| Average total assets | $13,103,940,500 | 94 |
| Average earning assets | $11,109,068,500 | 98 |
| Average equity | $2,495,803,500 | 58 |
| Average total loans | $7,931,104,000 | 103 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8514% | 6,264 |
| Cost of funding earning assets | 1.2406% | 7,898 |
| Net interest margin | 4.6107% | 1,148 |
| Noninterest income to average assets | 1.4097% | 728 |
| Noninterest expense to average assets | 2.2501% | 6,836 |
| Loan and lease loss provision to assets | 0.3045% | 3,939 |
| Net operating income to assets | 1.7313% | 636 |
| Return on assets (ROA) | 1.7330% | 604 |
| Pretax return on assets | 2.7377% | 133 |
| Return on Equity (ROE) | 8.9535% | 2,658 |
| Retained earnings to average equity (ytd only) | 4.2444% | 2,479 |
| Net charge-offs to loans | 0.3619% | 3,026 |
| Credit loss provision to net charge-offs | 148.5845% | 3,550 |
| Earnings coverage of net charge-offs (x) | 14.8324% | 1,999 |
| Efficiency ratio | 42.1440% | 8,068 |
| Assets per employee ($millions) | 5.6847% | 1,328 |
| Cash dividends to net income (ytd only)* | 52.5952% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 3,678 |
| Loan loss allowance to noncurrent loans | 248.9306% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 6,307 |
| Noncurrent loans to loans | 0.5283% | 5,771 |
| Net loans and leases to total assets | 60.7961% | 5,794 |
| Net loans and leases to deposits | 83.1520% | 4,557 |
| Net loans and leases to core deposits | 121.2951% | 2,577 |
| Total domestic deposits to total assets | 67.8989% | 7,481 |
| Equity capital to assets | 19.1066% | 534 |
| Core capital (leverage) ratio | 13.1276% | 1,512 |
| Tier 1 risk-based capital ratio | 17.4349% | 2,197 |
| Total risk-based capital ratio | 18.6185% | 2,165 |
| Memoranda: | ||
| Average total assets | $12,840,839,400 | 94 |
| Average earning assets | $10,805,796,000 | 98 |
| Average equity | $2,485,352,600 | 59 |
| Average total loans | $7,272,282,600 | 104 |