Home > First Horizon Bank > Performance and Condition Ratios
First Horizon Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5626% | 1,090 |
| Cost of funding earning assets | 2.0573% | 840 |
| Net interest margin | 3.5054% | 2,166 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 2.4257% | 2,513 |
| Loan and lease loss provision to assets | 0.3200% | 332 |
| Net operating income to assets | 1.0325% | 2,112 |
| Return on assets (ROA) | 1.0444% | 2,051 |
| Pretax return on assets | 1.2766% | 1,940 |
| Return on Equity (ROE) | 10.0500% | 2,482 |
| Retained earnings to average equity (ytd only) | 7.2309% | 1,820 |
| Net charge-offs to loans | 0.2788% | 384 |
| Credit loss provision to net charge-offs | 155.4120% | 1,444 |
| Earnings coverage of net charge-offs (x) | 7.5869% | 2,391 |
| Efficiency ratio | 59.0923% | 3,180 |
| Assets per employee ($millions) | 11.6073% | 459 |
| Cash dividends to net income (ytd only)* | 28.0418% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 2,010 |
| Loan loss allowance to noncurrent loans | 157.4081% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6088% | 903 |
| Noncurrent loans to loans | 0.7947% | 977 |
| Net loans and leases to total assets | 75.0000% | 1,244 |
| Net loans and leases to deposits | 91.5643% | 1,134 |
| Net loans and leases to core deposits | 98.0751% | 1,540 |
| Total domestic deposits to total assets | 81.9100% | 3,145 |
| Equity capital to assets | 11.0030% | 1,479 |
| Core capital (leverage) ratio | 10.1958% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1700% | 2,182 |
| Memoranda: | ||
| Average total assets | $81,518,890,800 | 35 |
| Average earning assets | $74,164,893,400 | 35 |
| Average equity | $8,472,428,200 | 35 |
| Average total loans | $60,939,129,600 | 26 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4525% | 1,067 |
| Cost of funding earning assets | 1.9131% | 842 |
| Net interest margin | 3.5394% | 2,130 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.3342% | 2,692 |
| Loan and lease loss provision to assets | 0.3400% | 262 |
| Net operating income to assets | 1.0328% | 2,270 |
| Return on assets (ROA) | 1.0426% | 2,229 |
| Pretax return on assets | 1.3560% | 1,878 |
| Return on Equity (ROE) | 10.1800% | 2,592 |
| Retained earnings to average equity (ytd only) | 6.4493% | 2,478 |
| Net charge-offs to loans | 0.2942% | 296 |
| Credit loss provision to net charge-offs | 160.4549% | 1,277 |
| Earnings coverage of net charge-offs (x) | 7.7004% | 2,224 |
| Efficiency ratio | 56.6056% | 3,346 |
| Assets per employee ($millions) | 11.6749% | 413 |
| Cash dividends to net income (ytd only)* | 36.6510% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 2,273 |
| Loan loss allowance to noncurrent loans | 180.8692% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 1,130 |
| Noncurrent loans to loans | 0.6734% | 1,228 |
| Net loans and leases to total assets | 74.9500% | 1,242 |
| Net loans and leases to deposits | 90.6688% | 1,181 |
| Net loans and leases to core deposits | 98.7768% | 1,397 |
| Total domestic deposits to total assets | 82.6700% | 3,075 |
| Equity capital to assets | 10.1528% | 1,738 |
| Core capital (leverage) ratio | 9.8420% | 2,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7129% | 2,381 |
| Memoranda: | ||
| Average total assets | $81,556,743,750 | 36 |
| Average earning assets | $74,147,216,750 | 36 |
| Average equity | $8,352,327,500 | 36 |
| Average total loans | $60,723,674,750 | 27 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2522% | 1,145 |
| Cost of funding earning assets | 1.6118% | 1,033 |
| Net interest margin | 3.6404% | 1,939 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 2.3959% | 2,500 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 1.1508% | 1,966 |
| Return on assets (ROA) | 1.1644% | 1,930 |
| Pretax return on assets | 1.4962% | 1,606 |
| Return on Equity (ROE) | 11.3400% | 2,342 |
| Retained earnings to average equity (ytd only) | 5.8580% | 2,673 |
| Net charge-offs to loans | 0.1297% | 570 |
| Credit loss provision to net charge-offs | 248.6032% | 960 |
| Earnings coverage of net charge-offs (x) | 17.9765% | 1,776 |
| Efficiency ratio | 56.7258% | 3,333 |
| Assets per employee ($millions) | 12.0681% | 370 |
| Cash dividends to net income (ytd only)* | 48.3290% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 2,504 |
| Loan loss allowance to noncurrent loans | 173.5871% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 1,076 |
| Noncurrent loans to loans | 0.6837% | 1,096 |
| Net loans and leases to total assets | 72.3100% | 1,490 |
| Net loans and leases to deposits | 92.1356% | 1,016 |
| Net loans and leases to core deposits | 100.1758% | 1,227 |
| Total domestic deposits to total assets | 78.4800% | 3,786 |
| Equity capital to assets | 9.9158% | 1,906 |
| Core capital (leverage) ratio | 9.7721% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5354% | 2,451 |
| Memoranda: | ||
| Average total assets | $81,329,566,667 | 36 |
| Average earning assets | $73,975,516,000 | 36 |
| Average equity | $8,353,287,667 | 35 |
| Average total loans | $60,165,021,667 | 27 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0960% | 1,092 |
| Cost of funding earning assets | 1.2206% | 1,401 |
| Net interest margin | 3.8754% | 1,525 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 2.2582% | 2,935 |
| Loan and lease loss provision to assets | 0.2500% | 378 |
| Net operating income to assets | 1.4225% | 1,346 |
| Return on assets (ROA) | 1.4324% | 1,292 |
| Pretax return on assets | 1.8586% | 975 |
| Return on Equity (ROE) | 13.6900% | 1,837 |
| Retained earnings to average equity (ytd only) | 8.2036% | 2,162 |
| Net charge-offs to loans | 0.1068% | 572 |
| Credit loss provision to net charge-offs | 328.9058% | 659 |
| Earnings coverage of net charge-offs (x) | 26.3894% | 1,351 |
| Efficiency ratio | 50.4744% | 3,896 |
| Assets per employee ($millions) | 11.3958% | 464 |
| Cash dividends to net income (ytd only)* | 40.0940% | 1,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1978% | 2,564 |
| Loan loss allowance to noncurrent loans | 160.2722% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.5601% | 923 |
| Noncurrent loans to loans | 0.7474% | 1,024 |
| Net loans and leases to total assets | 73.3100% | 1,290 |
| Net loans and leases to deposits | 93.9114% | 792 |
| Net loans and leases to core deposits | 96.7211% | 1,243 |
| Total domestic deposits to total assets | 78.0600% | 4,004 |
| Equity capital to assets | 10.5513% | 1,542 |
| Core capital (leverage) ratio | 10.0523% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6677% | 2,511 |
| Memoranda: | ||
| Average total assets | $79,568,772,500 | 39 |
| Average earning assets | $72,366,931,000 | 39 |
| Average equity | $8,323,101,500 | 38 |
| Average total loans | $59,201,583,500 | 30 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4873% | 3,112 |
| Cost of funding earning assets | 0.3285% | 2,650 |
| Net interest margin | 3.1587% | 2,994 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.1660% | 3,110 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.1960% | 1,786 |
| Return on assets (ROA) | 1.1987% | 1,710 |
| Pretax return on assets | 1.5265% | 1,377 |
| Return on Equity (ROE) | 12.2500% | 2,058 |
| Retained earnings to average equity (ytd only) | 6.8184% | 2,314 |
| Net charge-offs to loans | 0.1036% | 720 |
| Credit loss provision to net charge-offs | 124.7787% | 1,439 |
| Earnings coverage of net charge-offs (x) | 23.2022% | 1,821 |
| Efficiency ratio | 55.3774% | 3,645 |
| Assets per employee ($millions) | 11.1623% | 486 |
| Cash dividends to net income (ytd only)* | 44.3442% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 2,543 |
| Loan loss allowance to noncurrent loans | 187.8610% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4677% | 1,085 |
| Noncurrent loans to loans | 0.6210% | 1,196 |
| Net loans and leases to total assets | 73.7400% | 1,244 |
| Net loans and leases to deposits | 89.4741% | 1,088 |
| Net loans and leases to core deposits | 91.2526% | 1,440 |
| Total domestic deposits to total assets | 82.4200% | 3,547 |
| Equity capital to assets | 10.3672% | 1,526 |
| Core capital (leverage) ratio | 9.7561% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4141% | 2,607 |
| Memoranda: | ||
| Average total assets | $84,111,154,400 | 41 |
| Average earning assets | $77,142,396,000 | 41 |
| Average equity | $8,230,043,800 | 37 |
| Average total loans | $57,244,393,400 | 33 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1069% | 3,663 |
| Cost of funding earning assets | 0.1967% | 3,318 |
| Net interest margin | 2.9102% | 3,466 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 2.1104% | 3,183 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.0966% | 2,120 |
| Return on assets (ROA) | 1.0951% | 2,090 |
| Pretax return on assets | 1.4134% | 1,677 |
| Return on Equity (ROE) | 11.3500% | 2,251 |
| Retained earnings to average equity (ytd only) | 5.5517% | 2,909 |
| Net charge-offs to loans | 0.0791% | 748 |
| Credit loss provision to net charge-offs | 83.0048% | 1,411 |
| Earnings coverage of net charge-offs (x) | 28.3792% | 1,546 |
| Efficiency ratio | 56.9044% | 3,528 |
| Assets per employee ($millions) | 11.4119% | 456 |
| Cash dividends to net income (ytd only)* | 51.0759% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 2,817 |
| Loan loss allowance to noncurrent loans | 202.7369% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 1,311 |
| Noncurrent loans to loans | 0.5646% | 1,418 |
| Net loans and leases to total assets | 71.7200% | 1,320 |
| Net loans and leases to deposits | 85.1859% | 1,221 |
| Net loans and leases to core deposits | 86.7281% | 1,486 |
| Total domestic deposits to total assets | 84.2000% | 3,452 |
| Equity capital to assets | 9.8504% | 1,693 |
| Core capital (leverage) ratio | 9.1887% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1786% | 2,757 |
| Memoranda: | ||
| Average total assets | $85,470,924,750 | 42 |
| Average earning assets | $78,556,444,500 | 42 |
| Average equity | $8,248,540,250 | 38 |
| Average total loans | $56,880,698,000 | 34 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7221% | 4,111 |
| Cost of funding earning assets | 0.1359% | 3,764 |
| Net interest margin | 2.5863% | 3,936 |
| Noninterest income to average assets | 0.9558% | 741 |
| Noninterest expense to average assets | 2.0929% | 3,175 |
| Loan and lease loss provision to assets | -0.0229% | 4,443 |
| Net operating income to assets | 0.9828% | 2,218 |
| Return on assets (ROA) | 0.9636% | 2,272 |
| Pretax return on assets | 1.2451% | 1,913 |
| Return on Equity (ROE) | 10.0478% | 2,321 |
| Retained earnings to average equity (ytd only) | 3.5808% | 3,242 |
| Net charge-offs to loans | 0.0779% | 688 |
| Credit loss provision to net charge-offs | -109.0810% | 3,122 |
| Earnings coverage of net charge-offs (x) | 24.7281% | 1,473 |
| Efficiency ratio | 60.9184% | 3,188 |
| Assets per employee ($millions) | 11.9712% | 382 |
| Cash dividends to net income (ytd only)* | 64.3622% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 3,207 |
| Loan loss allowance to noncurrent loans | 189.1147% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.3922% | 1,440 |
| Noncurrent loans to loans | 0.5749% | 1,468 |
| Net loans and leases to total assets | 66.9574% | 1,591 |
| Net loans and leases to deposits | 78.9989% | 1,469 |
| Net loans and leases to core deposits | 80.4301% | 1,690 |
| Total domestic deposits to total assets | 84.7573% | 3,536 |
| Equity capital to assets | 9.6114% | 1,933 |
| Core capital (leverage) ratio | 8.5468% | 3,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0572% | 2,800 |
| Memoranda: | ||
| Average total assets | $87,295,354,000 | 41 |
| Average earning assets | $80,456,343,333 | 41 |
| Average equity | $8,371,350,667 | 38 |
| Average total loans | $56,493,636,333 | 33 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5037% | 4,264 |
| Cost of funding earning assets | 0.1106% | 4,002 |
| Net interest margin | 2.3932% | 4,085 |
| Noninterest income to average assets | 0.9739% | 717 |
| Noninterest expense to average assets | 2.0857% | 3,197 |
| Loan and lease loss provision to assets | -0.1807% | 4,674 |
| Net operating income to assets | 0.9897% | 1,919 |
| Return on assets (ROA) | 0.9828% | 1,952 |
| Pretax return on assets | 1.2679% | 1,600 |
| Return on Equity (ROE) | 10.2597% | 1,865 |
| Retained earnings to average equity (ytd only) | 1.6366% | 3,648 |
| Net charge-offs to loans | 0.0687% | 651 |
| Credit loss provision to net charge-offs | -394.8052% | 3,087 |
| Earnings coverage of net charge-offs (x) | 25.2029% | 1,201 |
| Efficiency ratio | 63.7245% | 3,064 |
| Assets per employee ($millions) | 12.4470% | 352 |
| Cash dividends to net income (ytd only)* | 84.0480% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 3,281 |
| Loan loss allowance to noncurrent loans | 163.6342% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 1,399 |
| Noncurrent loans to loans | 0.6789% | 1,399 |
| Net loans and leases to total assets | 62.7391% | 1,774 |
| Net loans and leases to deposits | 73.4337% | 1,662 |
| Net loans and leases to core deposits | 74.7833% | 1,869 |
| Total domestic deposits to total assets | 85.4364% | 3,421 |
| Equity capital to assets | 9.3827% | 2,378 |
| Core capital (leverage) ratio | 8.2443% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2550% | 2,834 |
| Memoranda: | ||
| Average total assets | $88,541,155,500 | 40 |
| Average earning assets | $81,677,758,000 | 41 |
| Average equity | $8,481,608,000 | 37 |
| Average total loans | $56,037,218,000 | 33 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7050% | 4,309 |
| Cost of funding earning assets | 0.1551% | 3,913 |
| Net interest margin | 2.5500% | 4,123 |
| Noninterest income to average assets | 1.1900% | 748 |
| Noninterest expense to average assets | 2.2811% | 2,850 |
| Loan and lease loss provision to assets | -0.3559% | 4,796 |
| Net operating income to assets | 1.2589% | 1,719 |
| Return on assets (ROA) | 1.2775% | 1,724 |
| Pretax return on assets | 1.6298% | 1,341 |
| Return on Equity (ROE) | 12.9591% | 1,481 |
| Retained earnings to average equity (ytd only) | 3.8593% | 3,275 |
| Net charge-offs to loans | 0.0038% | 2,479 |
| Credit loss provision to net charge-offs | -13,305.8985% | 4,247 |
| Earnings coverage of net charge-offs (x) | 498.0288% | 276 |
| Efficiency ratio | 62.7925% | 2,750 |
| Assets per employee ($millions) | 12.1554% | 380 |
| Cash dividends to net income (ytd only)* | 70.2195% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,903 |
| Loan loss allowance to noncurrent loans | 196.1744% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 1,668 |
| Noncurrent loans to loans | 0.6096% | 1,619 |
| Net loans and leases to total assets | 62.3808% | 1,895 |
| Net loans and leases to deposits | 73.1861% | 1,797 |
| Net loans and leases to core deposits | 74.7380% | 2,018 |
| Total domestic deposits to total assets | 85.2358% | 3,197 |
| Equity capital to assets | 9.7749% | 2,874 |
| Core capital (leverage) ratio | 8.2035% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4107% | 2,796 |
| Memoranda: | ||
| Average total assets | $87,105,661,000 | 38 |
| Average earning assets | $79,984,656,400 | 41 |
| Average equity | $8,586,696,200 | 37 |
| Average total loans | $57,775,240,600 | 30 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7407% | 4,368 |
| Cost of funding earning assets | 0.1679% | 3,942 |
| Net interest margin | 2.5728% | 4,174 |
| Noninterest income to average assets | 1.2287% | 758 |
| Noninterest expense to average assets | 2.2880% | 2,783 |
| Loan and lease loss provision to assets | -0.3768% | 4,856 |
| Net operating income to assets | 1.2995% | 1,832 |
| Return on assets (ROA) | 1.3196% | 1,815 |
| Pretax return on assets | 1.7016% | 1,399 |
| Return on Equity (ROE) | 13.3594% | 1,594 |
| Retained earnings to average equity (ytd only) | 4.7027% | 3,330 |
| Net charge-offs to loans | 0.0028% | 2,259 |
| Credit loss provision to net charge-offs | -18,765.4321% | 4,238 |
| Earnings coverage of net charge-offs (x) | 695.4815% | 227 |
| Efficiency ratio | 61.9980% | 2,700 |
| Assets per employee ($millions) | 11.9340% | 372 |
| Cash dividends to net income (ytd only)* | 64.7990% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 2,491 |
| Loan loss allowance to noncurrent loans | 190.6213% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 1,699 |
| Noncurrent loans to loans | 0.6817% | 1,615 |
| Net loans and leases to total assets | 63.1912% | 1,867 |
| Net loans and leases to deposits | 74.2952% | 1,827 |
| Net loans and leases to core deposits | 77.2512% | 1,939 |
| Total domestic deposits to total assets | 85.0542% | 3,095 |
| Equity capital to assets | 9.8538% | 3,046 |
| Core capital (leverage) ratio | 8.2420% | 4,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6640% | 2,815 |
| Memoranda: | ||
| Average total assets | $86,703,319,250 | 39 |
| Average earning assets | $79,489,823,500 | 41 |
| Average equity | $8,564,360,250 | 38 |
| Average total loans | $58,209,439,750 | 31 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7842% | 4,366 |
| Cost of funding earning assets | 0.1754% | 3,990 |
| Net interest margin | 2.6087% | 4,152 |
| Noninterest income to average assets | 1.2619% | 733 |
| Noninterest expense to average assets | 2.2928% | 2,789 |
| Loan and lease loss provision to assets | -0.3713% | 4,870 |
| Net operating income to assets | 1.3351% | 1,762 |
| Return on assets (ROA) | 1.3627% | 1,748 |
| Pretax return on assets | 1.7651% | 1,314 |
| Return on Equity (ROE) | 13.7837% | 1,480 |
| Retained earnings to average equity (ytd only) | 5.0830% | 3,155 |
| Net charge-offs to loans | -0.0059% | 3,484 |
| Credit loss provision to net charge-offs | 8,685.5819% | 71 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0274% | 2,865 |
| Assets per employee ($millions) | 11.5977% | 393 |
| Cash dividends to net income (ytd only)* | 63.1234% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 1,915 |
| Loan loss allowance to noncurrent loans | 219.9577% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4362% | 1,882 |
| Noncurrent loans to loans | 0.6425% | 1,810 |
| Net loans and leases to total assets | 64.9218% | 1,837 |
| Net loans and leases to deposits | 76.4938% | 1,769 |
| Net loans and leases to core deposits | 79.9623% | 1,891 |
| Total domestic deposits to total assets | 84.8720% | 3,154 |
| Equity capital to assets | 9.8581% | 2,995 |
| Core capital (leverage) ratio | 8.2256% | 4,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8818% | 2,753 |
| Memoranda: | ||
| Average total assets | $86,191,199,333 | 38 |
| Average earning assets | $78,954,197,000 | 40 |
| Average equity | $8,520,823,667 | 38 |
| Average total loans | $58,781,310,667 | 31 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8310% | 4,340 |
| Cost of funding earning assets | 0.1759% | 4,115 |
| Net interest margin | 2.6551% | 4,051 |
| Noninterest income to average assets | 1.3369% | 728 |
| Noninterest expense to average assets | 2.4160% | 2,450 |
| Loan and lease loss provision to assets | -0.2105% | 4,818 |
| Net operating income to assets | 1.1989% | 2,154 |
| Return on assets (ROA) | 1.2047% | 2,211 |
| Pretax return on assets | 1.5684% | 1,808 |
| Return on Equity (ROE) | 12.1684% | 1,961 |
| Retained earnings to average equity (ytd only) | 3.4099% | 3,658 |
| Net charge-offs to loans | 0.0540% | 968 |
| Credit loss provision to net charge-offs | -511.6685% | 3,182 |
| Earnings coverage of net charge-offs (x) | 36.0245% | 1,016 |
| Efficiency ratio | 62.4230% | 2,679 |
| Assets per employee ($millions) | 11.3150% | 409 |
| Cash dividends to net income (ytd only)* | 71.9771% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5388% | 1,469 |
| Loan loss allowance to noncurrent loans | 219.4735% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 1,912 |
| Noncurrent loans to loans | 0.7011% | 1,836 |
| Net loans and leases to total assets | 67.1553% | 1,644 |
| Net loans and leases to deposits | 79.0078% | 1,613 |
| Net loans and leases to core deposits | 83.7876% | 1,695 |
| Total domestic deposits to total assets | 84.9983% | 3,091 |
| Equity capital to assets | 9.7003% | 2,997 |
| Core capital (leverage) ratio | 8.2899% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7498% | 2,751 |
| Memoranda: | ||
| Average total assets | $85,499,751,000 | 38 |
| Average earning assets | $78,236,008,500 | 39 |
| Average equity | $8,464,646,000 | 36 |
| Average total loans | $59,337,116,000 | 31 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4817% | 4,062 |
| Cost of funding earning assets | 0.3579% | 3,829 |
| Net interest margin | 3.1238% | 3,574 |
| Noninterest income to average assets | 2.3950% | 256 |
| Noninterest expense to average assets | 2.7208% | 2,173 |
| Loan and lease loss provision to assets | 0.8012% | 153 |
| Net operating income to assets | 1.5281% | 751 |
| Return on assets (ROA) | 1.5201% | 836 |
| Pretax return on assets | 1.6719% | 902 |
| Return on Equity (ROE) | 14.1890% | 769 |
| Retained earnings to average equity (ytd only) | 11.2608% | 408 |
| Net charge-offs to loans | 0.2720% | 631 |
| Credit loss provision to net charge-offs | 410.2315% | 1,409 |
| Earnings coverage of net charge-offs (x) | 12.7086% | 2,316 |
| Efficiency ratio | 51.0490% | 4,466 |
| Assets per employee ($millions) | 10.5986% | 445 |
| Cash dividends to net income (ytd only)* | 20.6365% | 3,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6256% | 1,227 |
| Loan loss allowance to noncurrent loans | 234.4992% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 2,030 |
| Noncurrent loans to loans | 0.6932% | 1,954 |
| Net loans and leases to total assets | 69.4998% | 1,619 |
| Net loans and leases to deposits | 82.2851% | 1,634 |
| Net loans and leases to core deposits | 88.7606% | 1,626 |
| Total domestic deposits to total assets | 84.4622% | 2,957 |
| Equity capital to assets | 10.0996% | 3,031 |
| Core capital (leverage) ratio | 8.3523% | 4,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5097% | 2,802 |
| Memoranda: | ||
| Average total assets | $61,036,741,200 | 41 |
| Average earning assets | $54,862,546,000 | 41 |
| Average equity | $6,538,992,600 | 43 |
| Average total loans | $43,820,550,000 | 38 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5793% | 4,065 |
| Cost of funding earning assets | 0.4185% | 3,713 |
| Net interest margin | 3.1608% | 3,591 |
| Noninterest income to average assets | 2.8604% | 202 |
| Noninterest expense to average assets | 2.8396% | 1,852 |
| Loan and lease loss provision to assets | 1.1688% | 93 |
| Net operating income to assets | 1.6050% | 719 |
| Return on assets (ROA) | 1.5999% | 796 |
| Pretax return on assets | 1.6742% | 1,014 |
| Return on Equity (ROE) | 14.6168% | 764 |
| Retained earnings to average equity (ytd only) | 10.4633% | 679 |
| Net charge-offs to loans | 0.3017% | 519 |
| Credit loss provision to net charge-offs | 536.4451% | 1,235 |
| Earnings coverage of net charge-offs (x) | 13.0727% | 2,215 |
| Efficiency ratio | 48.8636% | 4,564 |
| Assets per employee ($millions) | 10.3180% | 457 |
| Cash dividends to net income (ytd only)* | 28.4161% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 1,028 |
| Loan loss allowance to noncurrent loans | 209.8451% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5933% | 1,952 |
| Noncurrent loans to loans | 0.7750% | 1,879 |
| Net loans and leases to total assets | 72.2861% | 1,621 |
| Net loans and leases to deposits | 85.5653% | 1,753 |
| Net loans and leases to core deposits | 92.8137% | 1,727 |
| Total domestic deposits to total assets | 84.4806% | 2,641 |
| Equity capital to assets | 9.9289% | 3,290 |
| Core capital (leverage) ratio | 8.2498% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8812% | 2,941 |
| Memoranda: | ||
| Average total assets | $55,326,583,500 | 43 |
| Average earning assets | $49,490,454,500 | 43 |
| Average equity | $6,055,927,500 | 43 |
| Average total loans | $39,961,203,250 | 39 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 4,342 |
| Cost of funding earning assets | 0.5031% | 3,513 |
| Net interest margin | 3.0526% | 4,005 |
| Noninterest income to average assets | 1.6374% | 391 |
| Noninterest expense to average assets | 2.6740% | 2,459 |
| Loan and lease loss provision to assets | 1.1038% | 173 |
| Net operating income to assets | 0.4550% | 4,122 |
| Return on assets (ROA) | 0.4456% | 4,200 |
| Pretax return on assets | 0.5508% | 4,158 |
| Return on Equity (ROE) | 3.8568% | 4,147 |
| Retained earnings to average equity (ytd only) | 1.2083% | 4,038 |
| Net charge-offs to loans | 0.1442% | 998 |
| Credit loss provision to net charge-offs | 1,070.5290% | 759 |
| Earnings coverage of net charge-offs (x) | 16.1606% | 1,872 |
| Efficiency ratio | 60.5536% | 3,334 |
| Assets per employee ($millions) | 9.8009% | 532 |
| Cash dividends to net income (ytd only)* | 68.6699% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 989 |
| Loan loss allowance to noncurrent loans | 216.3823% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 2,180 |
| Noncurrent loans to loans | 0.7430% | 2,020 |
| Net loans and leases to total assets | 67.9185% | 2,369 |
| Net loans and leases to deposits | 84.3475% | 1,961 |
| Net loans and leases to core deposits | 94.4558% | 1,704 |
| Total domestic deposits to total assets | 80.5222% | 3,721 |
| Equity capital to assets | 11.0905% | 2,258 |
| Core capital (leverage) ratio | 8.5436% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0549% | 2,587 |
| Memoranda: | ||
| Average total assets | $46,205,880,667 | 50 |
| Average earning assets | $40,911,734,333 | 50 |
| Average equity | $5,337,869,667 | 49 |
| Average total loans | $33,028,086,333 | 46 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8130% | 4,206 |
| Cost of funding earning assets | 0.6983% | 2,938 |
| Net interest margin | 3.1147% | 4,060 |
| Noninterest income to average assets | 1.5789% | 358 |
| Noninterest expense to average assets | 2.6342% | 2,875 |
| Loan and lease loss provision to assets | 1.2867% | 136 |
| Net operating income to assets | 0.3187% | 4,309 |
| Return on assets (ROA) | 0.2784% | 4,413 |
| Pretax return on assets | 0.3586% | 4,365 |
| Return on Equity (ROE) | 2.3590% | 4,373 |
| Retained earnings to average equity (ytd only) | -2.7427% | 4,328 |
| Net charge-offs to loans | 0.0879% | 1,171 |
| Credit loss provision to net charge-offs | 2,010.8168% | 337 |
| Earnings coverage of net charge-offs (x) | 26.5089% | 1,253 |
| Efficiency ratio | 59.7414% | 3,774 |
| Assets per employee ($millions) | 9.2736% | 486 |
| Cash dividends to net income (ytd only)* | 216.2671% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 2,106 |
| Loan loss allowance to noncurrent loans | 209.1354% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 2,545 |
| Noncurrent loans to loans | 0.6256% | 2,426 |
| Net loans and leases to total assets | 71.2994% | 2,038 |
| Net loans and leases to deposits | 96.3135% | 879 |
| Net loans and leases to core deposits | 111.0569% | 799 |
| Total domestic deposits to total assets | 74.0285% | 4,660 |
| Equity capital to assets | 11.2806% | 2,606 |
| Core capital (leverage) ratio | 8.9972% | 4,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3679% | 3,381 |
| Memoranda: | ||
| Average total assets | $45,076,202,500 | 49 |
| Average earning assets | $39,820,997,500 | 49 |
| Average equity | $5,319,294,500 | 49 |
| Average total loans | $32,814,764,000 | 45 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 3,330 |
| Cost of funding earning assets | 1.0258% | 1,619 |
| Net interest margin | 3.3450% | 3,881 |
| Noninterest income to average assets | 1.5043% | 409 |
| Noninterest expense to average assets | 2.7841% | 2,657 |
| Loan and lease loss provision to assets | 0.1140% | 1,848 |
| Net operating income to assets | 1.2184% | 1,986 |
| Return on assets (ROA) | 1.2290% | 2,040 |
| Pretax return on assets | 1.5910% | 1,512 |
| Return on Equity (ROE) | 9.9748% | 2,307 |
| Retained earnings to average equity (ytd only) | 3.0940% | 3,475 |
| Net charge-offs to loans | 0.0901% | 1,834 |
| Credit loss provision to net charge-offs | 176.7342% | 1,472 |
| Earnings coverage of net charge-offs (x) | 26.2258% | 1,702 |
| Efficiency ratio | 60.8845% | 3,554 |
| Assets per employee ($millions) | 8.5415% | 586 |
| Cash dividends to net income (ytd only)* | 68.9823% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 4,684 |
| Loan loss allowance to noncurrent loans | 103.0890% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4919% | 2,443 |
| Noncurrent loans to loans | 0.6138% | 2,351 |
| Net loans and leases to total assets | 72.9378% | 1,928 |
| Net loans and leases to deposits | 95.8699% | 955 |
| Net loans and leases to core deposits | 105.1799% | 1,160 |
| Total domestic deposits to total assets | 76.0800% | 4,591 |
| Equity capital to assets | 12.3677% | 1,905 |
| Core capital (leverage) ratio | 9.1239% | 4,428 |
| Tier 1 risk-based capital ratio | 10.1802% | 5,095 |
| Total risk-based capital ratio | 10.7697% | 5,139 |
| Memoranda: | ||
| Average total assets | $42,040,536,200 | 49 |
| Average earning assets | $37,345,165,800 | 49 |
| Average equity | $5,179,673,600 | 44 |
| Average total loans | $30,085,509,400 | 44 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4095% | 3,322 |
| Cost of funding earning assets | 1.0699% | 1,469 |
| Net interest margin | 3.3396% | 4,012 |
| Noninterest income to average assets | 1.4541% | 431 |
| Noninterest expense to average assets | 2.7503% | 2,713 |
| Loan and lease loss provision to assets | 0.1181% | 1,654 |
| Net operating income to assets | 1.1975% | 2,198 |
| Return on assets (ROA) | 1.2074% | 2,250 |
| Pretax return on assets | 1.5631% | 1,772 |
| Return on Equity (ROE) | 9.8091% | 2,512 |
| Retained earnings to average equity (ytd only) | 2.3264% | 4,167 |
| Net charge-offs to loans | 0.1090% | 1,375 |
| Credit loss provision to net charge-offs | 152.4202% | 1,610 |
| Earnings coverage of net charge-offs (x) | 21.5351% | 1,907 |
| Efficiency ratio | 60.8921% | 3,491 |
| Assets per employee ($millions) | 8.9610% | 490 |
| Cash dividends to net income (ytd only)* | 76.2835% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6042% | 4,813 |
| Loan loss allowance to noncurrent loans | 96.0457% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5061% | 2,501 |
| Noncurrent loans to loans | 0.6291% | 2,398 |
| Net loans and leases to total assets | 72.6406% | 2,063 |
| Net loans and leases to deposits | 97.8862% | 830 |
| Net loans and leases to core deposits | 108.0926% | 1,053 |
| Total domestic deposits to total assets | 74.2093% | 4,804 |
| Equity capital to assets | 12.0853% | 2,191 |
| Core capital (leverage) ratio | 9.2477% | 4,431 |
| Tier 1 risk-based capital ratio | 10.0989% | 5,179 |
| Total risk-based capital ratio | 10.6704% | 5,223 |
| Memoranda: | ||
| Average total assets | $41,769,129,250 | 50 |
| Average earning assets | $37,082,615,000 | 49 |
| Average equity | $5,141,160,750 | 45 |
| Average total loans | $29,692,988,750 | 44 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4669% | 3,119 |
| Cost of funding earning assets | 1.0848% | 1,357 |
| Net interest margin | 3.3821% | 3,949 |
| Noninterest income to average assets | 1.3959% | 446 |
| Noninterest expense to average assets | 2.7633% | 2,707 |
| Loan and lease loss provision to assets | 0.1068% | 1,755 |
| Net operating income to assets | 1.1888% | 2,188 |
| Return on assets (ROA) | 1.2032% | 2,198 |
| Pretax return on assets | 1.5486% | 1,705 |
| Return on Equity (ROE) | 9.7132% | 2,527 |
| Retained earnings to average equity (ytd only) | 0.8660% | 4,472 |
| Net charge-offs to loans | 0.0668% | 1,701 |
| Credit loss provision to net charge-offs | 227.3902% | 1,098 |
| Earnings coverage of net charge-offs (x) | 34.8433% | 1,344 |
| Efficiency ratio | 61.4245% | 3,519 |
| Assets per employee ($millions) | 8.3031% | 599 |
| Cash dividends to net income (ytd only)* | 91.0843% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6360% | 4,815 |
| Loan loss allowance to noncurrent loans | 82.1024% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6024% | 2,217 |
| Noncurrent loans to loans | 0.7747% | 2,046 |
| Net loans and leases to total assets | 71.3700% | 2,312 |
| Net loans and leases to deposits | 91.6672% | 1,525 |
| Net loans and leases to core deposits | 101.5889% | 1,591 |
| Total domestic deposits to total assets | 77.8577% | 4,425 |
| Equity capital to assets | 12.3163% | 1,971 |
| Core capital (leverage) ratio | 9.1426% | 4,515 |
| Tier 1 risk-based capital ratio | 10.2845% | 5,175 |
| Total risk-based capital ratio | 10.8843% | 5,243 |
| Memoranda: | ||
| Average total assets | $41,181,273,670 | 50 |
| Average earning assets | $36,585,146,330 | 50 |
| Average equity | $5,101,188,670 | 46 |
| Average total loans | $28,985,770,330 | 44 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 3,042 |
| Cost of funding earning assets | 1.0828% | 1,244 |
| Net interest margin | 3.3696% | 3,976 |
| Noninterest income to average assets | 1.3118% | 492 |
| Noninterest expense to average assets | 2.7692% | 2,678 |
| Loan and lease loss provision to assets | 0.0883% | 1,946 |
| Net operating income to assets | 1.1380% | 2,316 |
| Return on assets (ROA) | 1.1617% | 2,258 |
| Pretax return on assets | 1.4767% | 1,847 |
| Return on Equity (ROE) | 9.3508% | 2,650 |
| Retained earnings to average equity (ytd only) | 0.4434% | 4,446 |
| Net charge-offs to loans | 0.0636% | 1,405 |
| Credit loss provision to net charge-offs | 199.4239% | 1,066 |
| Earnings coverage of net charge-offs (x) | 34.6732% | 1,245 |
| Efficiency ratio | 62.9209% | 3,390 |
| Assets per employee ($millions) | 7.9025% | 695 |
| Cash dividends to net income (ytd only)* | 95.2579% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6437% | 4,860 |
| Loan loss allowance to noncurrent loans | 86.3298% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 2,340 |
| Noncurrent loans to loans | 0.7456% | 2,163 |
| Net loans and leases to total assets | 69.4052% | 2,569 |
| Net loans and leases to deposits | 86.4779% | 2,073 |
| Net loans and leases to core deposits | 96.2000% | 1,914 |
| Total domestic deposits to total assets | 80.2578% | 4,125 |
| Equity capital to assets | 12.4543% | 1,763 |
| Core capital (leverage) ratio | 9.0035% | 4,652 |
| Tier 1 risk-based capital ratio | 10.5657% | 5,163 |
| Total risk-based capital ratio | 11.1733% | 5,256 |
| Memoranda: | ||
| Average total assets | $40,777,560,500 | 50 |
| Average earning assets | $36,213,008,500 | 51 |
| Average equity | $5,066,046,500 | 46 |
| Average total loans | $28,399,082,500 | 47 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3185% | 3,048 |
| Cost of funding earning assets | 0.8159% | 1,452 |
| Net interest margin | 3.5027% | 3,698 |
| Noninterest income to average assets | 1.2078% | 632 |
| Noninterest expense to average assets | 2.8498% | 2,518 |
| Loan and lease loss provision to assets | 0.0172% | 3,814 |
| Net operating income to assets | 1.0738% | 2,702 |
| Return on assets (ROA) | 1.4809% | 1,159 |
| Pretax return on assets | 1.9623% | 608 |
| Return on Equity (ROE) | 12.1040% | 1,680 |
| Retained earnings to average equity (ytd only) | 3.4350% | 3,702 |
| Net charge-offs to loans | 0.0572% | 2,322 |
| Credit loss provision to net charge-offs | 43.3947% | 3,250 |
| Earnings coverage of net charge-offs (x) | 36.9182% | 1,402 |
| Efficiency ratio | 64.5865% | 3,100 |
| Assets per employee ($millions) | 7.7314% | 730 |
| Cash dividends to net income (ytd only)* | 71.6211% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6362% | 4,912 |
| Loan loss allowance to noncurrent loans | 95.6308% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 2,493 |
| Noncurrent loans to loans | 0.6653% | 2,331 |
| Net loans and leases to total assets | 68.9897% | 2,731 |
| Net loans and leases to deposits | 84.8847% | 2,421 |
| Net loans and leases to core deposits | 97.6343% | 1,893 |
| Total domestic deposits to total assets | 81.2747% | 3,829 |
| Equity capital to assets | 12.3927% | 1,641 |
| Core capital (leverage) ratio | 9.1041% | 4,557 |
| Tier 1 risk-based capital ratio | 10.7211% | 5,104 |
| Total risk-based capital ratio | 11.3244% | 5,240 |
| Memoranda: | ||
| Average total assets | $40,674,564,000 | 50 |
| Average earning assets | $36,069,424,800 | 49 |
| Average equity | $4,976,404,200 | 47 |
| Average total loans | $28,212,199,800 | 44 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2658% | 3,088 |
| Cost of funding earning assets | 0.7528% | 1,573 |
| Net interest margin | 3.5130% | 3,647 |
| Noninterest income to average assets | 1.2526% | 614 |
| Noninterest expense to average assets | 2.9189% | 2,255 |
| Loan and lease loss provision to assets | 0.0033% | 3,903 |
| Net operating income to assets | 1.0397% | 2,927 |
| Return on assets (ROA) | 1.5909% | 986 |
| Pretax return on assets | 2.1434% | 436 |
| Return on Equity (ROE) | 13.0454% | 1,418 |
| Retained earnings to average equity (ytd only) | 6.5010% | 2,384 |
| Net charge-offs to loans | 0.0217% | 2,703 |
| Credit loss provision to net charge-offs | 21.7581% | 3,008 |
| Earnings coverage of net charge-offs (x) | 96.1953% | 777 |
| Efficiency ratio | 65.3723% | 2,974 |
| Assets per employee ($millions) | 7.6806% | 720 |
| Cash dividends to net income (ytd only)* | 50.1661% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6591% | 4,950 |
| Loan loss allowance to noncurrent loans | 93.8030% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5588% | 2,520 |
| Noncurrent loans to loans | 0.7026% | 2,316 |
| Net loans and leases to total assets | 68.9954% | 2,800 |
| Net loans and leases to deposits | 89.0447% | 2,014 |
| Net loans and leases to core deposits | 102.8613% | 1,538 |
| Total domestic deposits to total assets | 77.4840% | 4,570 |
| Equity capital to assets | 12.4849% | 1,598 |
| Core capital (leverage) ratio | 9.3873% | 4,294 |
| Tier 1 risk-based capital ratio | 11.0058% | 5,033 |
| Total risk-based capital ratio | 11.6277% | 5,195 |
| Memoranda: | ||
| Average total assets | $40,684,191,250 | 50 |
| Average earning assets | $36,076,450,750 | 48 |
| Average equity | $4,961,525,000 | 47 |
| Average total loans | $28,211,699,500 | 44 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 3,159 |
| Cost of funding earning assets | 0.6855% | 1,711 |
| Net interest margin | 3.5003% | 3,624 |
| Noninterest income to average assets | 1.2413% | 626 |
| Noninterest expense to average assets | 3.0111% | 2,013 |
| Loan and lease loss provision to assets | -0.0049% | 5,291 |
| Net operating income to assets | 0.9497% | 3,237 |
| Return on assets (ROA) | 0.9499% | 3,245 |
| Pretax return on assets | 1.3407% | 2,359 |
| Return on Equity (ROE) | 7.8506% | 3,568 |
| Retained earnings to average equity (ytd only) | 3.9725% | 3,624 |
| Net charge-offs to loans | 0.0219% | 2,442 |
| Credit loss provision to net charge-offs | -32.3311% | 3,981 |
| Earnings coverage of net charge-offs (x) | 88.0262% | 763 |
| Efficiency ratio | 67.8139% | 2,679 |
| Assets per employee ($millions) | 7.3968% | 795 |
| Cash dividends to net income (ytd only)* | 49.3991% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 5,031 |
| Loan loss allowance to noncurrent loans | 109.0290% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 2,808 |
| Noncurrent loans to loans | 0.5961% | 2,630 |
| Net loans and leases to total assets | 69.0278% | 2,720 |
| Net loans and leases to deposits | 90.3467% | 1,795 |
| Net loans and leases to core deposits | 103.5825% | 1,428 |
| Total domestic deposits to total assets | 76.4033% | 4,821 |
| Equity capital to assets | 12.0592% | 1,816 |
| Core capital (leverage) ratio | 8.8902% | 4,798 |
| Tier 1 risk-based capital ratio | 10.3635% | 5,324 |
| Total risk-based capital ratio | 10.9766% | 5,440 |
| Memoranda: | ||
| Average total assets | $40,771,253,000 | 50 |
| Average earning assets | $36,171,285,000 | 48 |
| Average equity | $4,933,102,670 | 47 |
| Average total loans | $28,257,255,330 | 45 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 3,409 |
| Cost of funding earning assets | 0.6089% | 1,995 |
| Net interest margin | 3.4424% | 3,734 |
| Noninterest income to average assets | 1.2915% | 556 |
| Noninterest expense to average assets | 2.9310% | 2,249 |
| Loan and lease loss provision to assets | -0.0098% | 5,409 |
| Net operating income to assets | 1.0794% | 2,526 |
| Return on assets (ROA) | 1.0799% | 2,539 |
| Pretax return on assets | 1.4254% | 1,914 |
| Return on Equity (ROE) | 8.9103% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.6823% | 1,586 |
| Net charge-offs to loans | 0.0193% | 2,112 |
| Credit loss provision to net charge-offs | -73.4754% | 3,649 |
| Earnings coverage of net charge-offs (x) | 105.8398% | 592 |
| Efficiency ratio | 65.9800% | 3,158 |
| Assets per employee ($millions) | 7.2816% | 852 |
| Cash dividends to net income (ytd only)* | 2.5586% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 5,089 |
| Loan loss allowance to noncurrent loans | 97.1624% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 2,631 |
| Noncurrent loans to loans | 0.6842% | 2,496 |
| Net loans and leases to total assets | 69.1596% | 2,608 |
| Net loans and leases to deposits | 89.6449% | 1,728 |
| Net loans and leases to core deposits | 102.6438% | 1,470 |
| Total domestic deposits to total assets | 77.1484% | 4,843 |
| Equity capital to assets | 12.3194% | 1,592 |
| Core capital (leverage) ratio | 8.8723% | 4,825 |
| Tier 1 risk-based capital ratio | 10.4256% | 5,373 |
| Total risk-based capital ratio | 11.0410% | 5,497 |
| Memoranda: | ||
| Average total assets | $40,723,286,000 | 51 |
| Average earning assets | $36,133,604,000 | 49 |
| Average equity | $4,935,527,500 | 48 |
| Average total loans | $28,188,748,500 | 46 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4636% | 4,843 |
| Cost of funding earning assets | 0.4536% | 2,740 |
| Net interest margin | 3.0099% | 4,862 |
| Noninterest income to average assets | 1.5203% | 459 |
| Noninterest expense to average assets | 3.0775% | 1,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6814% | 3,674 |
| Return on assets (ROA) | 0.6822% | 3,725 |
| Pretax return on assets | 1.1741% | 2,873 |
| Return on Equity (ROE) | 6.4589% | 3,548 |
| Retained earnings to average equity (ytd only) | -1.3946% | 5,218 |
| Net charge-offs to loans | 0.0578% | 2,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 29.5370% | 1,566 |
| Efficiency ratio | 71.7555% | 2,262 |
| Assets per employee ($millions) | 7.2999% | 843 |
| Cash dividends to net income (ytd only)* | 121.5921% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6652% | 5,130 |
| Loan loss allowance to noncurrent loans | 99.8481% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 2,667 |
| Noncurrent loans to loans | 0.6662% | 2,547 |
| Net loans and leases to total assets | 68.4063% | 2,765 |
| Net loans and leases to deposits | 91.1970% | 1,628 |
| Net loans and leases to core deposits | 104.5114% | 1,376 |
| Total domestic deposits to total assets | 75.0094% | 5,093 |
| Equity capital to assets | 11.8772% | 1,925 |
| Core capital (leverage) ratio | 10.6479% | 2,696 |
| Tier 1 risk-based capital ratio | 10.0789% | 5,513 |
| Total risk-based capital ratio | 10.6992% | 5,589 |
| Memoranda: | ||
| Average total assets | $31,512,487,400 | 57 |
| Average earning assets | $28,581,152,000 | 58 |
| Average equity | $3,328,546,800 | 60 |
| Average total loans | $21,635,090,600 | 51 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 4,768 |
| Cost of funding earning assets | 0.4485% | 2,730 |
| Net interest margin | 3.0723% | 4,771 |
| Noninterest income to average assets | 1.6032% | 428 |
| Noninterest expense to average assets | 2.9389% | 2,283 |
| Loan and lease loss provision to assets | -0.0137% | 5,465 |
| Net operating income to assets | 1.1273% | 1,964 |
| Return on assets (ROA) | 1.1288% | 2,024 |
| Pretax return on assets | 1.4883% | 1,811 |
| Return on Equity (ROE) | 11.1788% | 1,616 |
| Retained earnings to average equity (ytd only) | 3.0768% | 4,078 |
| Net charge-offs to loans | 0.0281% | 2,873 |
| Credit loss provision to net charge-offs | -71.4286% | 4,481 |
| Earnings coverage of net charge-offs (x) | 76.5119% | 842 |
| Efficiency ratio | 66.0833% | 3,195 |
| Assets per employee ($millions) | 7.3467% | 813 |
| Cash dividends to net income (ytd only)* | 72.4769% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 4,340 |
| Loan loss allowance to noncurrent loans | 114.0057% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 2,656 |
| Noncurrent loans to loans | 0.8297% | 2,290 |
| Net loans and leases to total assets | 68.9943% | 2,693 |
| Net loans and leases to deposits | 90.4509% | 1,752 |
| Net loans and leases to core deposits | 101.3906% | 1,590 |
| Total domestic deposits to total assets | 76.2781% | 4,990 |
| Equity capital to assets | 10.1048% | 3,797 |
| Core capital (leverage) ratio | 9.0575% | 4,676 |
| Tier 1 risk-based capital ratio | 10.4716% | 5,460 |
| Total risk-based capital ratio | 11.3221% | 5,540 |
| Memoranda: | ||
| Average total assets | $29,095,894,000 | 61 |
| Average earning assets | $26,595,128,000 | 59 |
| Average equity | $2,937,958,250 | 67 |
| Average total loans | $19,954,469,500 | 55 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4299% | 4,917 |
| Cost of funding earning assets | 0.4208% | 2,880 |
| Net interest margin | 3.0091% | 4,895 |
| Noninterest income to average assets | 1.6534% | 418 |
| Noninterest expense to average assets | 2.8834% | 2,481 |
| Loan and lease loss provision to assets | -0.0207% | 5,563 |
| Net operating income to assets | 1.1492% | 1,777 |
| Return on assets (ROA) | 1.1514% | 1,821 |
| Pretax return on assets | 1.5432% | 1,517 |
| Return on Equity (ROE) | 11.4058% | 1,494 |
| Retained earnings to average equity (ytd only) | 4.8669% | 2,801 |
| Net charge-offs to loans | 0.0183% | 2,879 |
| Credit loss provision to net charge-offs | -165.7459% | 4,431 |
| Earnings coverage of net charge-offs (x) | 121.6547% | 571 |
| Efficiency ratio | 64.9868% | 3,503 |
| Assets per employee ($millions) | 7.0955% | 889 |
| Cash dividends to net income (ytd only)* | 57.3298% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 4,359 |
| Loan loss allowance to noncurrent loans | 116.6220% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6178% | 2,716 |
| Noncurrent loans to loans | 0.8244% | 2,340 |
| Net loans and leases to total assets | 69.3207% | 2,617 |
| Net loans and leases to deposits | 89.4096% | 1,812 |
| Net loans and leases to core deposits | 100.8177% | 1,593 |
| Total domestic deposits to total assets | 77.5316% | 4,887 |
| Equity capital to assets | 10.1907% | 3,676 |
| Core capital (leverage) ratio | 9.0454% | 4,675 |
| Tier 1 risk-based capital ratio | 10.5126% | 5,454 |
| Total risk-based capital ratio | 11.3836% | 5,541 |
| Memoranda: | ||
| Average total assets | $28,981,831,330 | 61 |
| Average earning assets | $26,481,591,670 | 59 |
| Average equity | $2,925,727,670 | 66 |
| Average total loans | $19,771,115,670 | 55 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3128% | 5,085 |
| Cost of funding earning assets | 0.3823% | 3,182 |
| Net interest margin | 2.9305% | 5,024 |
| Noninterest income to average assets | 1.5922% | 438 |
| Noninterest expense to average assets | 2.9116% | 2,426 |
| Loan and lease loss provision to assets | -0.0138% | 5,664 |
| Net operating income to assets | 0.9120% | 2,699 |
| Return on assets (ROA) | 0.9123% | 2,750 |
| Pretax return on assets | 1.3755% | 1,971 |
| Return on Equity (ROE) | 9.0805% | 2,377 |
| Retained earnings to average equity (ytd only) | 3.1794% | 3,832 |
| Net charge-offs to loans | -0.0185% | 4,696 |
| Credit loss provision to net charge-offs | 111.1111% | 1,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7439% | 3,243 |
| Assets per employee ($millions) | 7.3433% | 804 |
| Cash dividends to net income (ytd only)* | 64.9868% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,992 |
| Loan loss allowance to noncurrent loans | 108.7625% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6798% | 2,592 |
| Noncurrent loans to loans | 0.9631% | 2,115 |
| Net loans and leases to total assets | 64.5614% | 3,189 |
| Net loans and leases to deposits | 80.0214% | 2,754 |
| Net loans and leases to core deposits | 94.0128% | 1,985 |
| Total domestic deposits to total assets | 80.6801% | 4,483 |
| Equity capital to assets | 9.9007% | 3,874 |
| Core capital (leverage) ratio | 9.1087% | 4,606 |
| Tier 1 risk-based capital ratio | 11.0202% | 5,301 |
| Total risk-based capital ratio | 11.9464% | 5,377 |
| Memoranda: | ||
| Average total assets | $28,884,480,000 | 60 |
| Average earning assets | $26,419,963,000 | 58 |
| Average equity | $2,901,944,500 | 66 |
| Average total loans | $19,445,813,500 | 56 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2878% | 5,174 |
| Cost of funding earning assets | 0.3002% | 4,062 |
| Net interest margin | 2.9876% | 4,985 |
| Noninterest income to average assets | 1.9825% | 346 |
| Noninterest expense to average assets | 3.2029% | 1,782 |
| Loan and lease loss provision to assets | 0.0402% | 3,577 |
| Net operating income to assets | 0.9867% | 2,405 |
| Return on assets (ROA) | 0.9907% | 2,495 |
| Pretax return on assets | 1.4634% | 1,703 |
| Return on Equity (ROE) | 9.2434% | 2,291 |
| Retained earnings to average equity (ytd only) | 0.3244% | 5,193 |
| Net charge-offs to loans | 0.1024% | 2,249 |
| Credit loss provision to net charge-offs | 57.3694% | 3,290 |
| Earnings coverage of net charge-offs (x) | 21.3582% | 1,790 |
| Efficiency ratio | 67.7348% | 3,293 |
| Assets per employee ($millions) | 7.0826% | 888 |
| Cash dividends to net income (ytd only)* | 96.4904% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 4,186 |
| Loan loss allowance to noncurrent loans | 106.8154% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 2,568 |
| Noncurrent loans to loans | 0.9560% | 2,173 |
| Net loans and leases to total assets | 68.7693% | 2,655 |
| Net loans and leases to deposits | 85.0975% | 2,298 |
| Net loans and leases to core deposits | 101.2185% | 1,515 |
| Total domestic deposits to total assets | 80.8123% | 4,384 |
| Equity capital to assets | 10.1983% | 3,491 |
| Core capital (leverage) ratio | 9.1605% | 4,539 |
| Tier 1 risk-based capital ratio | 10.8259% | 5,418 |
| Total risk-based capital ratio | 11.7808% | 5,494 |
| Memoranda: | ||
| Average total assets | $27,345,046,000 | 61 |
| Average earning assets | $24,876,853,200 | 60 |
| Average equity | $2,930,884,800 | 63 |
| Average total loans | $18,722,437,600 | 54 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2389% | 5,304 |
| Cost of funding earning assets | 0.2924% | 4,188 |
| Net interest margin | 2.9465% | 5,102 |
| Noninterest income to average assets | 2.0731% | 337 |
| Noninterest expense to average assets | 3.2113% | 1,750 |
| Loan and lease loss provision to assets | 0.0541% | 3,179 |
| Net operating income to assets | 0.9995% | 2,432 |
| Return on assets (ROA) | 1.0055% | 2,544 |
| Pretax return on assets | 1.4938% | 1,728 |
| Return on Equity (ROE) | 9.2636% | 2,376 |
| Retained earnings to average equity (ytd only) | -0.6458% | 5,452 |
| Net charge-offs to loans | 0.1420% | 1,570 |
| Credit loss provision to net charge-offs | 55.8801% | 2,960 |
| Earnings coverage of net charge-offs (x) | 15.8867% | 2,150 |
| Efficiency ratio | 67.1982% | 3,385 |
| Assets per employee ($millions) | 7.1026% | 858 |
| Cash dividends to net income (ytd only)* | 106.9709% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 4,308 |
| Loan loss allowance to noncurrent loans | 103.9883% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 2,683 |
| Noncurrent loans to loans | 0.9789% | 2,281 |
| Net loans and leases to total assets | 69.0462% | 2,632 |
| Net loans and leases to deposits | 89.4381% | 1,828 |
| Net loans and leases to core deposits | 104.3992% | 1,313 |
| Total domestic deposits to total assets | 77.2000% | 5,048 |
| Equity capital to assets | 10.4535% | 3,613 |
| Core capital (leverage) ratio | 9.4317% | 4,285 |
| Tier 1 risk-based capital ratio | 10.7963% | 5,474 |
| Total risk-based capital ratio | 11.7553% | 5,535 |
| Memoranda: | ||
| Average total assets | $27,093,354,750 | 62 |
| Average earning assets | $24,617,243,250 | 61 |
| Average equity | $2,940,756,500 | 63 |
| Average total loans | $18,478,428,000 | 55 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2269% | 5,394 |
| Cost of funding earning assets | 0.2952% | 4,192 |
| Net interest margin | 2.9316% | 5,207 |
| Noninterest income to average assets | 2.0594% | 330 |
| Noninterest expense to average assets | 3.2345% | 1,729 |
| Loan and lease loss provision to assets | 0.0524% | 3,098 |
| Net operating income to assets | 0.9533% | 2,611 |
| Return on assets (ROA) | 0.9624% | 2,710 |
| Pretax return on assets | 1.4467% | 1,849 |
| Return on Equity (ROE) | 8.7531% | 2,610 |
| Retained earnings to average equity (ytd only) | -3.2127% | 5,649 |
| Net charge-offs to loans | 0.1930% | 1,187 |
| Credit loss provision to net charge-offs | 40.1514% | 2,763 |
| Earnings coverage of net charge-offs (x) | 11.3774% | 2,264 |
| Efficiency ratio | 68.1161% | 3,321 |
| Assets per employee ($millions) | 6.8866% | 913 |
| Cash dividends to net income (ytd only)* | 136.7041% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 4,150 |
| Loan loss allowance to noncurrent loans | 92.2959% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.8611% | 2,443 |
| Noncurrent loans to loans | 1.1520% | 1,993 |
| Net loans and leases to total assets | 67.6550% | 2,835 |
| Net loans and leases to deposits | 88.7652% | 1,890 |
| Net loans and leases to core deposits | 99.1460% | 1,704 |
| Total domestic deposits to total assets | 76.2179% | 5,258 |
| Equity capital to assets | 10.7083% | 3,390 |
| Core capital (leverage) ratio | 9.5533% | 4,129 |
| Tier 1 risk-based capital ratio | 11.2032% | 5,314 |
| Total risk-based capital ratio | 12.2087% | 5,369 |
| Memoranda: | ||
| Average total assets | $26,706,458,670 | 62 |
| Average earning assets | $24,236,592,000 | 61 |
| Average equity | $2,936,492,670 | 64 |
| Average total loans | $18,068,244,000 | 56 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2321% | 5,440 |
| Cost of funding earning assets | 0.3026% | 4,137 |
| Net interest margin | 2.9295% | 5,266 |
| Noninterest income to average assets | 1.9911% | 337 |
| Noninterest expense to average assets | 3.2719% | 1,663 |
| Loan and lease loss provision to assets | 0.0455% | 3,014 |
| Net operating income to assets | 0.8951% | 2,779 |
| Return on assets (ROA) | 0.9132% | 2,800 |
| Pretax return on assets | 1.3620% | 2,035 |
| Return on Equity (ROE) | 8.1944% | 2,806 |
| Retained earnings to average equity (ytd only) | 1.0052% | 4,837 |
| Net charge-offs to loans | 0.2075% | 967 |
| Credit loss provision to net charge-offs | 32.5804% | 2,205 |
| Earnings coverage of net charge-offs (x) | 9.8886% | 1,956 |
| Efficiency ratio | 69.9034% | 3,154 |
| Assets per employee ($millions) | 6.7248% | 999 |
| Cash dividends to net income (ytd only)* | 87.7326% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 3,778 |
| Loan loss allowance to noncurrent loans | 86.7239% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 2,296 |
| Noncurrent loans to loans | 1.3240% | 1,803 |
| Net loans and leases to total assets | 65.3160% | 3,062 |
| Net loans and leases to deposits | 85.4913% | 2,123 |
| Net loans and leases to core deposits | 95.5768% | 1,838 |
| Total domestic deposits to total assets | 76.4008% | 5,371 |
| Equity capital to assets | 11.0785% | 2,853 |
| Core capital (leverage) ratio | 9.8758% | 3,689 |
| Tier 1 risk-based capital ratio | 11.9569% | 4,938 |
| Total risk-based capital ratio | 13.0281% | 4,968 |
| Memoranda: | ||
| Average total assets | $26,382,951,500 | 62 |
| Average earning assets | $23,967,384,500 | 61 |
| Average equity | $2,940,192,500 | 65 |
| Average total loans | $17,749,932,500 | 58 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1500% | 5,580 |
| Cost of funding earning assets | 0.2529% | 4,752 |
| Net interest margin | 2.8971% | 5,341 |
| Noninterest income to average assets | 1.9352% | 377 |
| Noninterest expense to average assets | 3.9100% | 748 |
| Loan and lease loss provision to assets | 0.0349% | 3,647 |
| Net operating income to assets | 0.4937% | 4,717 |
| Return on assets (ROA) | 0.4985% | 4,795 |
| Pretax return on assets | 0.6227% | 4,774 |
| Return on Equity (ROE) | 4.2708% | 4,824 |
| Retained earnings to average equity (ytd only) | -6.9051% | 5,973 |
| Net charge-offs to loans | 0.1810% | 1,593 |
| Credit loss provision to net charge-offs | 28.8406% | 3,672 |
| Earnings coverage of net charge-offs (x) | 5.3848% | 3,399 |
| Efficiency ratio | 85.2687% | 1,066 |
| Assets per employee ($millions) | 6.4857% | 1,106 |
| Cash dividends to net income (ytd only)* | 261.6808% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 3,610 |
| Loan loss allowance to noncurrent loans | 93.3892% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.9894% | 2,223 |
| Noncurrent loans to loans | 1.2584% | 1,869 |
| Net loans and leases to total assets | 67.7121% | 2,750 |
| Net loans and leases to deposits | 87.4657% | 1,938 |
| Net loans and leases to core deposits | 97.9762% | 1,675 |
| Total domestic deposits to total assets | 77.4156% | 5,256 |
| Equity capital to assets | 11.2121% | 2,628 |
| Core capital (leverage) ratio | 10.0613% | 3,420 |
| Tier 1 risk-based capital ratio | 11.9465% | 4,987 |
| Total risk-based capital ratio | 13.0945% | 4,963 |
| Memoranda: | ||
| Average total assets | $25,788,271,200 | 61 |
| Average earning assets | $23,377,936,400 | 61 |
| Average equity | $3,009,815,600 | 60 |
| Average total loans | $17,243,960,400 | 57 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2010% | 5,585 |
| Cost of funding earning assets | 0.2569% | 4,795 |
| Net interest margin | 2.9441% | 5,324 |
| Noninterest income to average assets | 1.9624% | 370 |
| Noninterest expense to average assets | 4.1032% | 590 |
| Loan and lease loss provision to assets | 0.0422% | 3,368 |
| Net operating income to assets | 0.3601% | 5,287 |
| Return on assets (ROA) | 0.3600% | 5,373 |
| Pretax return on assets | 0.4827% | 5,261 |
| Return on Equity (ROE) | 3.0539% | 5,367 |
| Retained earnings to average equity (ytd only) | -11.8592% | 6,152 |
| Net charge-offs to loans | 0.2354% | 1,116 |
| Credit loss provision to net charge-offs | 26.9960% | 3,303 |
| Earnings coverage of net charge-offs (x) | 3.3615% | 3,508 |
| Efficiency ratio | 88.2137% | 825 |
| Assets per employee ($millions) | 6.3829% | 1,130 |
| Cash dividends to net income (ytd only)* | 488.3292% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 3,394 |
| Loan loss allowance to noncurrent loans | 92.7018% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.0387% | 2,277 |
| Noncurrent loans to loans | 1.3439% | 1,904 |
| Net loans and leases to total assets | 66.0240% | 3,007 |
| Net loans and leases to deposits | 87.1218% | 2,011 |
| Net loans and leases to core deposits | 96.6202% | 1,830 |
| Total domestic deposits to total assets | 75.7835% | 5,524 |
| Equity capital to assets | 11.1267% | 2,880 |
| Core capital (leverage) ratio | 9.9577% | 3,697 |
| Tier 1 risk-based capital ratio | 11.9949% | 5,091 |
| Total risk-based capital ratio | 13.2106% | 5,023 |
| Memoranda: | ||
| Average total assets | $25,300,563,500 | 61 |
| Average earning assets | $22,908,234,500 | 61 |
| Average equity | $2,982,208,500 | 60 |
| Average total loans | $16,785,627,250 | 58 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1915% | 5,635 |
| Cost of funding earning assets | 0.2585% | 4,851 |
| Net interest margin | 2.9330% | 5,377 |
| Noninterest income to average assets | 2.0127% | 367 |
| Noninterest expense to average assets | 4.5405% | 407 |
| Loan and lease loss provision to assets | 0.0553% | 3,005 |
| Net operating income to assets | -0.0092% | 6,001 |
| Return on assets (ROA) | -0.0093% | 6,033 |
| Pretax return on assets | 0.0715% | 5,959 |
| Return on Equity (ROE) | -0.0776% | 6,034 |
| Retained earnings to average equity (ytd only) | -0.4454% | 5,594 |
| Net charge-offs to loans | 0.2159% | 1,181 |
| Credit loss provision to net charge-offs | 38.6804% | 2,835 |
| Earnings coverage of net charge-offs (x) | 0.8878% | 3,610 |
| Efficiency ratio | 96.8431% | 410 |
| Assets per employee ($millions) | 6.3027% | 1,153 |
| Cash dividends to net income (ytd only)* | -474.0678% | 6,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 3,286 |
| Loan loss allowance to noncurrent loans | 89.9250% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.1400% | 2,232 |
| Noncurrent loans to loans | 1.4367% | 1,858 |
| Net loans and leases to total assets | 67.2732% | 2,753 |
| Net loans and leases to deposits | 89.6170% | 1,643 |
| Net loans and leases to core deposits | 99.4658% | 1,536 |
| Total domestic deposits to total assets | 75.0675% | 5,699 |
| Equity capital to assets | 12.1842% | 1,885 |
| Core capital (leverage) ratio | 10.9580% | 2,471 |
| Tier 1 risk-based capital ratio | 13.1828% | 4,404 |
| Total risk-based capital ratio | 14.4400% | 4,327 |
| Memoranda: | ||
| Average total assets | $25,334,200,000 | 61 |
| Average earning assets | $22,930,038,000 | 60 |
| Average equity | $3,041,644,000 | 54 |
| Average total loans | $16,764,937,330 | 56 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0983% | 5,784 |
| Cost of funding earning assets | 0.2648% | 4,853 |
| Net interest margin | 2.8334% | 5,582 |
| Noninterest income to average assets | 2.0078% | 369 |
| Noninterest expense to average assets | 5.7705% | 200 |
| Loan and lease loss provision to assets | 0.0785% | 2,385 |
| Net operating income to assets | -1.0122% | 6,321 |
| Return on assets (ROA) | -1.0124% | 6,324 |
| Pretax return on assets | -1.2795% | 6,332 |
| Return on Equity (ROE) | -8.4940% | 6,306 |
| Retained earnings to average equity (ytd only) | -8.8562% | 6,104 |
| Net charge-offs to loans | 0.2195% | 1,066 |
| Credit loss provision to net charge-offs | 54.8246% | 2,059 |
| Earnings coverage of net charge-offs (x) | -8.3889% | 3,240 |
| Efficiency ratio | 125.8328% | 98 |
| Assets per employee ($millions) | 6.3542% | 1,162 |
| Cash dividends to net income (ytd only)* | -4.2637% | 6,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 3,150 |
| Loan loss allowance to noncurrent loans | 90.7738% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 1.1381% | 2,359 |
| Noncurrent loans to loans | 1.4855% | 1,908 |
| Net loans and leases to total assets | 65.2257% | 2,895 |
| Net loans and leases to deposits | 88.5063% | 1,560 |
| Net loans and leases to core deposits | 97.9840% | 1,476 |
| Total domestic deposits to total assets | 73.6962% | 5,925 |
| Equity capital to assets | 11.7964% | 2,203 |
| Core capital (leverage) ratio | 10.5703% | 2,883 |
| Tier 1 risk-based capital ratio | 12.9548% | 4,628 |
| Total risk-based capital ratio | 14.5040% | 4,378 |
| Memoranda: | ||
| Average total assets | $25,484,039,500 | 60 |
| Average earning assets | $23,041,154,000 | 60 |
| Average equity | $3,037,338,500 | 54 |
| Average total loans | $16,616,432,500 | 56 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2934% | 5,711 |
| Cost of funding earning assets | 0.2681% | 5,125 |
| Net interest margin | 3.0253% | 5,393 |
| Noninterest income to average assets | 2.2330% | 289 |
| Noninterest expense to average assets | 3.3484% | 1,803 |
| Loan and lease loss provision to assets | 0.1120% | 2,302 |
| Net operating income to assets | 1.0675% | 2,096 |
| Return on assets (ROA) | 1.0676% | 2,150 |
| Pretax return on assets | 1.4761% | 1,632 |
| Return on Equity (ROE) | 8.2634% | 2,988 |
| Retained earnings to average equity (ytd only) | 2.1144% | 4,723 |
| Net charge-offs to loans | 0.3033% | 1,456 |
| Credit loss provision to net charge-offs | 55.8301% | 3,359 |
| Earnings coverage of net charge-offs (x) | 7.9131% | 2,957 |
| Efficiency ratio | 67.4827% | 3,987 |
| Assets per employee ($millions) | 6.3355% | 1,163 |
| Cash dividends to net income (ytd only)* | 74.4121% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 2,887 |
| Loan loss allowance to noncurrent loans | 89.6601% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1709% | 2,424 |
| Noncurrent loans to loans | 1.5775% | 1,849 |
| Net loans and leases to total assets | 63.3784% | 3,306 |
| Net loans and leases to deposits | 88.4439% | 1,682 |
| Net loans and leases to core deposits | 99.9192% | 1,399 |
| Total domestic deposits to total assets | 71.6595% | 6,108 |
| Equity capital to assets | 12.0410% | 1,994 |
| Core capital (leverage) ratio | 12.4056% | 1,398 |
| Tier 1 risk-based capital ratio | 15.7738% | 3,084 |
| Total risk-based capital ratio | 16.5850% | 3,252 |
| Memoranda: | ||
| Average total assets | $24,101,459,800 | 59 |
| Average earning assets | $21,535,406,200 | 59 |
| Average equity | $3,113,835,200 | 51 |
| Average total loans | $15,943,535,400 | 55 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3400% | 5,690 |
| Cost of funding earning assets | 0.2730% | 5,179 |
| Net interest margin | 3.0670% | 5,342 |
| Noninterest income to average assets | 2.3582% | 262 |
| Noninterest expense to average assets | 3.4025% | 1,655 |
| Loan and lease loss provision to assets | 0.1178% | 2,097 |
| Net operating income to assets | 1.1143% | 1,973 |
| Return on assets (ROA) | 1.1147% | 2,038 |
| Pretax return on assets | 1.5684% | 1,426 |
| Return on Equity (ROE) | 8.4736% | 2,956 |
| Retained earnings to average equity (ytd only) | 4.6973% | 3,287 |
| Net charge-offs to loans | 0.3045% | 1,300 |
| Credit loss provision to net charge-offs | 58.0624% | 2,974 |
| Earnings coverage of net charge-offs (x) | 8.3054% | 2,824 |
| Efficiency ratio | 66.5477% | 4,126 |
| Assets per employee ($millions) | 6.0337% | 1,313 |
| Cash dividends to net income (ytd only)* | 44.5650% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 2,775 |
| Loan loss allowance to noncurrent loans | 86.1689% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.3627% | 2,267 |
| Noncurrent loans to loans | 1.7284% | 1,879 |
| Net loans and leases to total assets | 66.1575% | 2,837 |
| Net loans and leases to deposits | 96.7028% | 827 |
| Net loans and leases to core deposits | 105.0814% | 1,018 |
| Total domestic deposits to total assets | 68.4132% | 6,338 |
| Equity capital to assets | 13.3039% | 1,276 |
| Core capital (leverage) ratio | 13.0910% | 1,139 |
| Tier 1 risk-based capital ratio | 16.4578% | 2,827 |
| Total risk-based capital ratio | 17.2992% | 2,989 |
| Memoranda: | ||
| Average total assets | $23,761,245,750 | 61 |
| Average earning assets | $21,149,175,250 | 62 |
| Average equity | $3,125,814,250 | 50 |
| Average total loans | $15,837,134,500 | 54 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3285% | 5,755 |
| Cost of funding earning assets | 0.2840% | 5,143 |
| Net interest margin | 3.0446% | 5,407 |
| Noninterest income to average assets | 2.2228% | 293 |
| Noninterest expense to average assets | 3.1194% | 2,426 |
| Loan and lease loss provision to assets | 0.1263% | 1,955 |
| Net operating income to assets | 1.1833% | 1,642 |
| Return on assets (ROA) | 1.1831% | 1,717 |
| Pretax return on assets | 1.6791% | 1,060 |
| Return on Equity (ROE) | 9.0278% | 2,579 |
| Retained earnings to average equity (ytd only) | 8.6646% | 1,088 |
| Net charge-offs to loans | 0.3188% | 1,271 |
| Credit loss provision to net charge-offs | 59.5687% | 2,651 |
| Earnings coverage of net charge-offs (x) | 8.5179% | 2,478 |
| Efficiency ratio | 63.0035% | 4,859 |
| Assets per employee ($millions) | 6.0348% | 1,256 |
| Cash dividends to net income (ytd only)* | 4.0241% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 2,884 |
| Loan loss allowance to noncurrent loans | 66.3763% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.7628% | 1,838 |
| Noncurrent loans to loans | 2.2637% | 1,439 |
| Net loans and leases to total assets | 66.2718% | 2,716 |
| Net loans and leases to deposits | 98.0548% | 660 |
| Net loans and leases to core deposits | 106.1175% | 893 |
| Total domestic deposits to total assets | 67.5865% | 6,435 |
| Equity capital to assets | 13.3398% | 1,216 |
| Core capital (leverage) ratio | 13.2741% | 1,058 |
| Tier 1 risk-based capital ratio | 16.1992% | 2,979 |
| Total risk-based capital ratio | 17.0352% | 3,140 |
| Memoranda: | ||
| Average total assets | $23,759,431,330 | 60 |
| Average earning assets | $21,086,801,000 | 62 |
| Average equity | $3,113,789,670 | 51 |
| Average total loans | $15,795,788,330 | 53 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3184% | 5,808 |
| Cost of funding earning assets | 0.2923% | 5,153 |
| Net interest margin | 3.0260% | 5,460 |
| Noninterest income to average assets | 2.3442% | 261 |
| Noninterest expense to average assets | 3.6200% | 1,277 |
| Loan and lease loss provision to assets | 0.1692% | 1,425 |
| Net operating income to assets | 0.8764% | 2,765 |
| Return on assets (ROA) | 0.8764% | 2,831 |
| Pretax return on assets | 1.2338% | 2,333 |
| Return on Equity (ROE) | 6.7484% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.3818% | 2,336 |
| Net charge-offs to loans | 0.4242% | 858 |
| Credit loss provision to net charge-offs | 60.3755% | 2,101 |
| Earnings coverage of net charge-offs (x) | 5.0053% | 2,444 |
| Efficiency ratio | 71.7381% | 3,536 |
| Assets per employee ($millions) | 5.8831% | 1,388 |
| Cash dividends to net income (ytd only)* | 5.4321% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 2,744 |
| Loan loss allowance to noncurrent loans | 67.9040% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.8081% | 1,937 |
| Noncurrent loans to loans | 2.3436% | 1,510 |
| Net loans and leases to total assets | 64.2288% | 2,851 |
| Net loans and leases to deposits | 90.8473% | 1,054 |
| Net loans and leases to core deposits | 99.4174% | 1,142 |
| Total domestic deposits to total assets | 70.6997% | 6,414 |
| Equity capital to assets | 13.0679% | 1,280 |
| Core capital (leverage) ratio | 12.6410% | 1,322 |
| Tier 1 risk-based capital ratio | 16.1352% | 3,097 |
| Total risk-based capital ratio | 17.2172% | 3,134 |
| Memoranda: | ||
| Average total assets | $23,635,845,000 | 60 |
| Average earning assets | $20,923,892,500 | 62 |
| Average equity | $3,069,465,500 | 52 |
| Average total loans | $15,617,530,000 | 52 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4362% | 5,762 |
| Cost of funding earning assets | 0.3321% | 5,304 |
| Net interest margin | 3.1042% | 5,297 |
| Noninterest income to average assets | 2.3408% | 310 |
| Noninterest expense to average assets | 4.5451% | 508 |
| Loan and lease loss provision to assets | 0.2280% | 1,595 |
| Net operating income to assets | 0.3118% | 5,480 |
| Return on assets (ROA) | 0.3119% | 5,575 |
| Pretax return on assets | 0.2643% | 5,815 |
| Return on Equity (ROE) | 2.5123% | 5,671 |
| Retained earnings to average equity (ytd only) | -3.7732% | 6,312 |
| Net charge-offs to loans | 0.4795% | 1,387 |
| Credit loss provision to net charge-offs | 71.5574% | 3,262 |
| Earnings coverage of net charge-offs (x) | 1.5444% | 4,542 |
| Efficiency ratio | 89.9131% | 1,026 |
| Assets per employee ($millions) | 5.7865% | 1,419 |
| Cash dividends to net income (ytd only)* | 250.1908% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 2,741 |
| Loan loss allowance to noncurrent loans | 66.1280% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.9272% | 1,875 |
| Noncurrent loans to loans | 2.4270% | 1,574 |
| Net loans and leases to total assets | 65.8157% | 2,715 |
| Net loans and leases to deposits | 92.1449% | 1,036 |
| Net loans and leases to core deposits | 102.5499% | 997 |
| Total domestic deposits to total assets | 71.4263% | 6,453 |
| Equity capital to assets | 12.9045% | 1,320 |
| Core capital (leverage) ratio | 12.3324% | 1,435 |
| Tier 1 risk-based capital ratio | 15.4313% | 3,414 |
| Total risk-based capital ratio | 16.8416% | 3,267 |
| Memoranda: | ||
| Average total assets | $24,525,770,200 | 55 |
| Average earning assets | $21,303,958,600 | 56 |
| Average equity | $3,045,216,800 | 52 |
| Average total loans | $16,299,889,000 | 50 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4365% | 5,808 |
| Cost of funding earning assets | 0.3407% | 5,376 |
| Net interest margin | 3.0959% | 5,325 |
| Noninterest income to average assets | 2.3886% | 317 |
| Noninterest expense to average assets | 4.6785% | 449 |
| Loan and lease loss provision to assets | 0.2203% | 1,653 |
| Net operating income to assets | 0.0724% | 6,185 |
| Return on assets (ROA) | 0.0738% | 6,240 |
| Pretax return on assets | 0.1721% | 6,087 |
| Return on Equity (ROE) | 0.5996% | 6,251 |
| Retained earnings to average equity (ytd only) | -7.6513% | 6,587 |
| Net charge-offs to loans | 0.4969% | 1,293 |
| Credit loss provision to net charge-offs | 66.8120% | 3,135 |
| Earnings coverage of net charge-offs (x) | 1.1884% | 4,448 |
| Efficiency ratio | 91.9760% | 857 |
| Assets per employee ($millions) | 5.8264% | 1,363 |
| Cash dividends to net income (ytd only)* | 1,376.0385% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 2,940 |
| Loan loss allowance to noncurrent loans | 60.2383% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 2.0639% | 1,948 |
| Noncurrent loans to loans | 2.6808% | 1,581 |
| Net loans and leases to total assets | 64.7745% | 2,853 |
| Net loans and leases to deposits | 94.5415% | 789 |
| Net loans and leases to core deposits | 106.8431% | 714 |
| Total domestic deposits to total assets | 68.5144% | 6,649 |
| Equity capital to assets | 12.3379% | 1,682 |
| Core capital (leverage) ratio | 11.8422% | 1,779 |
| Tier 1 risk-based capital ratio | 14.8522% | 3,842 |
| Total risk-based capital ratio | 16.2704% | 3,690 |
| Memoranda: | ||
| Average total assets | $24,768,009,250 | 55 |
| Average earning assets | $21,455,289,250 | 53 |
| Average equity | $3,046,550,250 | 52 |
| Average total loans | $16,435,618,750 | 48 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4106% | 5,882 |
| Cost of funding earning assets | 0.3413% | 5,485 |
| Net interest margin | 3.0693% | 5,369 |
| Noninterest income to average assets | 2.3570% | 355 |
| Noninterest expense to average assets | 3.5637% | 1,475 |
| Loan and lease loss provision to assets | 0.2470% | 1,511 |
| Net operating income to assets | 0.8591% | 2,995 |
| Return on assets (ROA) | 0.8606% | 3,142 |
| Pretax return on assets | 1.2096% | 2,632 |
| Return on Equity (ROE) | 7.0030% | 3,597 |
| Retained earnings to average equity (ytd only) | -5.0663% | 6,462 |
| Net charge-offs to loans | 0.5407% | 1,224 |
| Credit loss provision to net charge-offs | 68.6780% | 2,849 |
| Earnings coverage of net charge-offs (x) | 4.0478% | 3,228 |
| Efficiency ratio | 70.6984% | 3,696 |
| Assets per employee ($millions) | 6.0106% | 1,193 |
| Cash dividends to net income (ytd only)* | 172.3441% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 3,247 |
| Loan loss allowance to noncurrent loans | 58.9206% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 2.0615% | 2,099 |
| Noncurrent loans to loans | 2.6719% | 1,707 |
| Net loans and leases to total assets | 65.5310% | 2,675 |
| Net loans and leases to deposits | 95.1119% | 728 |
| Net loans and leases to core deposits | 106.9947% | 687 |
| Total domestic deposits to total assets | 68.8989% | 6,694 |
| Equity capital to assets | 12.2123% | 1,769 |
| Core capital (leverage) ratio | 12.1250% | 1,551 |
| Tier 1 risk-based capital ratio | 14.6960% | 3,972 |
| Total risk-based capital ratio | 16.1104% | 3,833 |
| Memoranda: | ||
| Average total assets | $25,035,986,670 | 55 |
| Average earning assets | $21,719,752,330 | 53 |
| Average equity | $3,076,515,000 | 52 |
| Average total loans | $16,655,027,000 | 46 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4240% | 5,888 |
| Cost of funding earning assets | 0.3502% | 5,530 |
| Net interest margin | 3.0739% | 5,354 |
| Noninterest income to average assets | 2.4575% | 328 |
| Noninterest expense to average assets | 3.6700% | 1,295 |
| Loan and lease loss provision to assets | 0.2538% | 1,408 |
| Net operating income to assets | 0.8377% | 2,960 |
| Return on assets (ROA) | 0.8445% | 3,072 |
| Pretax return on assets | 1.2070% | 2,544 |
| Return on Equity (ROE) | 6.8512% | 3,570 |
| Retained earnings to average equity (ytd only) | -16.7816% | 6,782 |
| Net charge-offs to loans | 0.6409% | 951 |
| Credit loss provision to net charge-offs | 59.5416% | 2,460 |
| Earnings coverage of net charge-offs (x) | 3.4116% | 2,774 |
| Efficiency ratio | 71.3358% | 3,747 |
| Assets per employee ($millions) | 5.9749% | 1,269 |
| Cash dividends to net income (ytd only)* | 344.9432% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 3,303 |
| Loan loss allowance to noncurrent loans | 67.6784% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 1.7864% | 2,620 |
| Noncurrent loans to loans | 2.3990% | 2,162 |
| Net loans and leases to total assets | 64.2567% | 2,655 |
| Net loans and leases to deposits | 96.7790% | 502 |
| Net loans and leases to core deposits | 108.5708% | 546 |
| Total domestic deposits to total assets | 66.3952% | 6,839 |
| Equity capital to assets | 12.1457% | 1,941 |
| Core capital (leverage) ratio | 11.6810% | 1,763 |
| Tier 1 risk-based capital ratio | 14.4886% | 4,183 |
| Total risk-based capital ratio | 16.1530% | 3,868 |
| Memoranda: | ||
| Average total assets | $25,102,968,000 | 55 |
| Average earning assets | $21,775,216,000 | 53 |
| Average equity | $3,094,214,500 | 52 |
| Average total loans | $16,692,759,000 | 46 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6851% | 6,079 |
| Cost of funding earning assets | 0.3969% | 5,940 |
| Net interest margin | 3.2882% | 5,288 |
| Noninterest income to average assets | 2.6108% | 299 |
| Noninterest expense to average assets | 5.2874% | 312 |
| Loan and lease loss provision to assets | 0.3167% | 2,157 |
| Net operating income to assets | 0.0807% | 6,043 |
| Return on assets (ROA) | 0.0820% | 6,185 |
| Pretax return on assets | -0.1645% | 6,402 |
| Return on Equity (ROE) | 0.6466% | 6,192 |
| Retained earnings to average equity (ytd only) | -2.8398% | 6,252 |
| Net charge-offs to loans | 1.1054% | 953 |
| Credit loss provision to net charge-offs | 43.0718% | 4,860 |
| Earnings coverage of net charge-offs (x) | 0.2047% | 5,373 |
| Efficiency ratio | 96.9473% | 666 |
| Assets per employee ($millions) | 5.8856% | 1,370 |
| Cash dividends to net income (ytd only)* | 539.1813% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 3,274 |
| Loan loss allowance to noncurrent loans | 70.3662% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 1.7863% | 2,730 |
| Noncurrent loans to loans | 2.2854% | 2,368 |
| Net loans and leases to total assets | 66.5721% | 2,445 |
| Net loans and leases to deposits | 100.5598% | 391 |
| Net loans and leases to core deposits | 114.3115% | 408 |
| Total domestic deposits to total assets | 66.2015% | 6,894 |
| Equity capital to assets | 12.5039% | 1,711 |
| Core capital (leverage) ratio | 12.2444% | 1,429 |
| Tier 1 risk-based capital ratio | 14.8414% | 3,810 |
| Total risk-based capital ratio | 16.7843% | 3,368 |
| Memoranda: | ||
| Average total assets | $25,210,835,800 | 54 |
| Average earning assets | $21,675,835,800 | 53 |
| Average equity | $3,196,378,400 | 51 |
| Average total loans | $16,770,905,800 | 47 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7184% | 6,194 |
| Cost of funding earning assets | 0.4108% | 6,060 |
| Net interest margin | 3.3077% | 5,364 |
| Noninterest income to average assets | 2.7218% | 283 |
| Noninterest expense to average assets | 5.6837% | 244 |
| Loan and lease loss provision to assets | 0.3383% | 1,937 |
| Net operating income to assets | -0.1715% | 6,479 |
| Return on assets (ROA) | -0.1696% | 6,548 |
| Pretax return on assets | -0.4607% | 6,689 |
| Return on Equity (ROE) | -1.3329% | 6,522 |
| Retained earnings to average equity (ytd only) | -5.8491% | 6,666 |
| Net charge-offs to loans | 1.3232% | 706 |
| Credit loss provision to net charge-offs | 38.6004% | 4,644 |
| Earnings coverage of net charge-offs (x) | -0.1425% | 5,397 |
| Efficiency ratio | 101.9681% | 482 |
| Assets per employee ($millions) | 5.9011% | 1,306 |
| Cash dividends to net income (ytd only)* | -338.8147% | 7,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 3,342 |
| Loan loss allowance to noncurrent loans | 66.1614% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 1.9308% | 2,740 |
| Noncurrent loans to loans | 2.4903% | 2,309 |
| Net loans and leases to total assets | 65.2922% | 2,782 |
| Net loans and leases to deposits | 101.5008% | 379 |
| Net loans and leases to core deposits | 115.9400% | 389 |
| Total domestic deposits to total assets | 64.3268% | 7,010 |
| Equity capital to assets | 12.3098% | 2,032 |
| Core capital (leverage) ratio | 11.9994% | 1,657 |
| Tier 1 risk-based capital ratio | 14.6882% | 4,060 |
| Total risk-based capital ratio | 16.6435% | 3,553 |
| Memoranda: | ||
| Average total assets | $25,192,373,000 | 55 |
| Average earning assets | $21,607,586,750 | 54 |
| Average equity | $3,205,078,750 | 51 |
| Average total loans | $16,686,717,500 | 48 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7308% | 6,287 |
| Cost of funding earning assets | 0.4228% | 6,143 |
| Net interest margin | 3.3080% | 5,417 |
| Noninterest income to average assets | 0.4411% | 4,362 |
| Noninterest expense to average assets | 4.1836% | 745 |
| Loan and lease loss provision to assets | 0.1834% | 3,269 |
| Net operating income to assets | -0.5575% | 6,760 |
| Return on assets (ROA) | -0.5554% | 6,791 |
| Pretax return on assets | -1.0802% | 6,922 |
| Return on Equity (ROE) | -4.3179% | 6,741 |
| Retained earnings to average equity (ytd only) | -10.8683% | 6,856 |
| Net charge-offs to loans | 1.0394% | 1,054 |
| Credit loss provision to net charge-offs | 26.6512% | 4,491 |
| Earnings coverage of net charge-offs (x) | -1.3080% | 5,335 |
| Efficiency ratio | 126.9291% | 183 |
| Assets per employee ($millions) | 5.6896% | 1,451 |
| Cash dividends to net income (ytd only)* | -151.7045% | 7,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 2,520 |
| Loan loss allowance to noncurrent loans | 71.0121% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 2.0446% | 2,732 |
| Noncurrent loans to loans | 2.6910% | 2,233 |
| Net loans and leases to total assets | 64.4835% | 2,939 |
| Net loans and leases to deposits | 99.9290% | 421 |
| Net loans and leases to core deposits | 110.2502% | 566 |
| Total domestic deposits to total assets | 64.5293% | 7,073 |
| Equity capital to assets | 12.2690% | 1,953 |
| Core capital (leverage) ratio | 11.9053% | 1,650 |
| Tier 1 risk-based capital ratio | 14.5559% | 4,061 |
| Total risk-based capital ratio | 16.5283% | 3,547 |
| Memoranda: | ||
| Average total assets | $25,088,339,000 | 55 |
| Average earning assets | $21,559,119,000 | 54 |
| Average equity | $3,226,920,000 | 51 |
| Average total loans | $16,605,152,670 | 48 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 6,347 |
| Cost of funding earning assets | 0.4382% | 6,215 |
| Net interest margin | 3.3139% | 5,423 |
| Noninterest income to average assets | 2.3746% | 321 |
| Noninterest expense to average assets | 4.1442% | 793 |
| Loan and lease loss provision to assets | 0.1280% | 3,746 |
| Net operating income to assets | 0.6869% | 3,947 |
| Return on assets (ROA) | 0.6837% | 4,179 |
| Pretax return on assets | 0.9472% | 3,877 |
| Return on Equity (ROE) | 5.1946% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.8489% | 3,643 |
| Net charge-offs to loans | 1.1162% | 923 |
| Credit loss provision to net charge-offs | 17.2656% | 3,818 |
| Earnings coverage of net charge-offs (x) | 1.4527% | 3,600 |
| Efficiency ratio | 79.0762% | 2,337 |
| Assets per employee ($millions) | 5.7583% | 1,468 |
| Cash dividends to net income (ytd only)* | 6.6550% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0872% | 2,134 |
| Loan loss allowance to noncurrent loans | 68.6393% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 2.2707% | 2,625 |
| Noncurrent loans to loans | 3.0409% | 2,127 |
| Net loans and leases to total assets | 63.1219% | 3,014 |
| Net loans and leases to deposits | 94.0759% | 654 |
| Net loans and leases to core deposits | 108.4931% | 589 |
| Total domestic deposits to total assets | 67.0968% | 7,081 |
| Equity capital to assets | 13.0244% | 1,435 |
| Core capital (leverage) ratio | 12.8118% | 1,200 |
| Tier 1 risk-based capital ratio | 16.0709% | 3,139 |
| Total risk-based capital ratio | 18.5857% | 2,508 |
| Memoranda: | ||
| Average total assets | $25,001,694,500 | 56 |
| Average earning assets | $21,474,848,000 | 55 |
| Average equity | $3,290,710,000 | 51 |
| Average total loans | $16,604,266,500 | 47 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9553% | 6,541 |
| Cost of funding earning assets | 0.5170% | 6,462 |
| Net interest margin | 3.4383% | 5,371 |
| Noninterest income to average assets | 2.3068% | 304 |
| Noninterest expense to average assets | 4.3909% | 651 |
| Loan and lease loss provision to assets | 0.1666% | 4,558 |
| Net operating income to assets | 0.5588% | 4,191 |
| Return on assets (ROA) | 0.7110% | 3,617 |
| Pretax return on assets | 0.8588% | 3,749 |
| Return on Equity (ROE) | 5.3522% | 4,225 |
| Retained earnings to average equity (ytd only) | 1.9550% | 4,817 |
| Net charge-offs to loans | 1.9454% | 726 |
| Credit loss provision to net charge-offs | 12.6748% | 5,991 |
| Earnings coverage of net charge-offs (x) | 0.6444% | 5,340 |
| Efficiency ratio | 83.5197% | 1,819 |
| Assets per employee ($millions) | 5.4188% | 1,723 |
| Cash dividends to net income (ytd only)* | 63.4723% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2647% | 1,684 |
| Loan loss allowance to noncurrent loans | 77.5047% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 2.3465% | 2,581 |
| Noncurrent loans to loans | 2.9220% | 2,229 |
| Net loans and leases to total assets | 66.8774% | 2,614 |
| Net loans and leases to deposits | 100.1543% | 450 |
| Net loans and leases to core deposits | 117.0517% | 420 |
| Total domestic deposits to total assets | 66.7744% | 7,111 |
| Equity capital to assets | 13.3044% | 1,360 |
| Core capital (leverage) ratio | 12.7339% | 1,248 |
| Tier 1 risk-based capital ratio | 15.6656% | 3,229 |
| Total risk-based capital ratio | 18.4938% | 2,460 |
| Memoranda: | ||
| Average total assets | $24,685,384,200 | 54 |
| Average earning assets | $21,043,713,000 | 54 |
| Average equity | $3,279,388,400 | 49 |
| Average total loans | $16,677,472,600 | 49 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9513% | 6,658 |
| Cost of funding earning assets | 0.5314% | 6,572 |
| Net interest margin | 3.4199% | 5,509 |
| Noninterest income to average assets | 2.3631% | 290 |
| Noninterest expense to average assets | 4.4728% | 592 |
| Loan and lease loss provision to assets | 0.1834% | 4,199 |
| Net operating income to assets | 0.4883% | 4,591 |
| Return on assets (ROA) | 0.6894% | 3,844 |
| Pretax return on assets | 0.8558% | 3,929 |
| Return on Equity (ROE) | 5.1911% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.8432% | 3,283 |
| Net charge-offs to loans | 1.9958% | 636 |
| Credit loss provision to net charge-offs | 13.6462% | 5,634 |
| Earnings coverage of net charge-offs (x) | 0.5933% | 5,179 |
| Efficiency ratio | 84.5605% | 1,678 |
| Assets per employee ($millions) | 5.5449% | 1,554 |
| Cash dividends to net income (ytd only)* | 6.7008% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6998% | 1,129 |
| Loan loss allowance to noncurrent loans | 82.5769% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 2.5065% | 2,580 |
| Noncurrent loans to loans | 3.2694% | 2,115 |
| Net loans and leases to total assets | 63.8478% | 3,340 |
| Net loans and leases to deposits | 102.0660% | 381 |
| Net loans and leases to core deposits | 117.9228% | 441 |
| Total domestic deposits to total assets | 62.5554% | 7,267 |
| Equity capital to assets | 13.3108% | 1,458 |
| Core capital (leverage) ratio | 13.1490% | 1,172 |
| Tier 1 risk-based capital ratio | 16.0485% | 3,095 |
| Total risk-based capital ratio | 18.8879% | 2,356 |
| Memoranda: | ||
| Average total assets | $24,715,879,000 | 53 |
| Average earning assets | $21,009,706,250 | 54 |
| Average equity | $3,282,233,250 | 48 |
| Average total loans | $16,644,835,500 | 48 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9819% | 6,691 |
| Cost of funding earning assets | 0.5507% | 6,662 |
| Net interest margin | 3.4312% | 5,438 |
| Noninterest income to average assets | 2.5354% | 268 |
| Noninterest expense to average assets | 4.6957% | 483 |
| Loan and lease loss provision to assets | 0.0163% | 6,081 |
| Net operating income to assets | 0.6048% | 4,044 |
| Return on assets (ROA) | 0.6448% | 3,949 |
| Pretax return on assets | 0.7778% | 4,108 |
| Return on Equity (ROE) | 4.8598% | 4,518 |
| Retained earnings to average equity (ytd only) | 4.5100% | 3,322 |
| Net charge-offs to loans | 1.7140% | 833 |
| Credit loss provision to net charge-offs | 1.4015% | 5,326 |
| Earnings coverage of net charge-offs (x) | 0.6466% | 4,816 |
| Efficiency ratio | 85.8718% | 1,612 |
| Assets per employee ($millions) | 5.2378% | 1,836 |
| Cash dividends to net income (ytd only)* | 7.1965% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1797% | 775 |
| Loan loss allowance to noncurrent loans | 72.1680% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 3.2930% | 2,023 |
| Noncurrent loans to loans | 4.4060% | 1,526 |
| Net loans and leases to total assets | 64.1629% | 3,426 |
| Net loans and leases to deposits | 99.3730% | 522 |
| Net loans and leases to core deposits | 113.8624% | 576 |
| Total domestic deposits to total assets | 64.5677% | 7,299 |
| Equity capital to assets | 13.2942% | 1,386 |
| Core capital (leverage) ratio | 13.0383% | 1,146 |
| Tier 1 risk-based capital ratio | 16.0578% | 2,953 |
| Total risk-based capital ratio | 18.9352% | 2,239 |
| Memoranda: | ||
| Average total assets | $24,509,581,000 | 53 |
| Average earning assets | $20,809,661,330 | 56 |
| Average equity | $3,252,220,670 | 51 |
| Average total loans | $16,651,609,670 | 50 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 6,683 |
| Cost of funding earning assets | 0.5605% | 6,764 |
| Net interest margin | 3.4495% | 5,226 |
| Noninterest income to average assets | 2.4590% | 270 |
| Noninterest expense to average assets | 4.3457% | 693 |
| Loan and lease loss provision to assets | 0.0164% | 5,726 |
| Net operating income to assets | 0.7763% | 3,135 |
| Return on assets (ROA) | 0.7990% | 3,110 |
| Pretax return on assets | 1.0564% | 2,920 |
| Return on Equity (ROE) | 6.0273% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.6749% | 2,812 |
| Net charge-offs to loans | 1.8310% | 709 |
| Credit loss provision to net charge-offs | 1.3043% | 4,466 |
| Earnings coverage of net charge-offs (x) | 0.8312% | 4,019 |
| Efficiency ratio | 80.2717% | 2,480 |
| Assets per employee ($millions) | 4.9640% | 2,218 |
| Cash dividends to net income (ytd only)* | 5.8475% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6004% | 561 |
| Loan loss allowance to noncurrent loans | 69.1682% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 3.9673% | 1,679 |
| Noncurrent loans to loans | 5.2052% | 1,280 |
| Net loans and leases to total assets | 65.0513% | 3,229 |
| Net loans and leases to deposits | 101.7447% | 388 |
| Net loans and leases to core deposits | 116.7732% | 508 |
| Total domestic deposits to total assets | 63.9358% | 7,370 |
| Equity capital to assets | 13.4290% | 1,210 |
| Core capital (leverage) ratio | 12.8145% | 1,191 |
| Tier 1 risk-based capital ratio | 15.8480% | 2,974 |
| Total risk-based capital ratio | 19.2525% | 2,083 |
| Memoranda: | ||
| Average total assets | $24,348,215,500 | 53 |
| Average earning assets | $20,707,528,000 | 54 |
| Average equity | $3,227,703,500 | 51 |
| Average total loans | $16,749,217,000 | 49 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 7,054 |
| Cost of funding earning assets | 0.6407% | 7,028 |
| Net interest margin | 3.4528% | 5,422 |
| Noninterest income to average assets | 2.8529% | 242 |
| Noninterest expense to average assets | 4.4564% | 681 |
| Loan and lease loss provision to assets | 1.0609% | 1,516 |
| Net operating income to assets | 0.2964% | 4,951 |
| Return on assets (ROA) | 0.3559% | 4,884 |
| Pretax return on assets | 0.3125% | 5,197 |
| Return on Equity (ROE) | 2.6530% | 5,108 |
| Retained earnings to average equity (ytd only) | -6.4674% | 6,425 |
| Net charge-offs to loans | 2.9636% | 562 |
| Credit loss provision to net charge-offs | 51.2632% | 6,240 |
| Earnings coverage of net charge-offs (x) | 0.6349% | 5,474 |
| Efficiency ratio | 76.8539% | 2,890 |
| Assets per employee ($millions) | 4.8402% | 2,356 |
| Cash dividends to net income (ytd only)* | 343.7759% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8697% | 442 |
| Loan loss allowance to noncurrent loans | 77.6925% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 4.0030% | 1,700 |
| Noncurrent loans to loans | 4.9808% | 1,353 |
| Net loans and leases to total assets | 67.3734% | 3,131 |
| Net loans and leases to deposits | 106.1689% | 314 |
| Net loans and leases to core deposits | 120.6988% | 512 |
| Total domestic deposits to total assets | 63.4586% | 7,453 |
| Equity capital to assets | 13.0857% | 1,353 |
| Core capital (leverage) ratio | 11.9507% | 1,584 |
| Tier 1 risk-based capital ratio | 15.0340% | 3,228 |
| Total risk-based capital ratio | 18.6908% | 2,165 |
| Memoranda: | ||
| Average total assets | $25,449,742,600 | 52 |
| Average earning assets | $21,503,603,400 | 52 |
| Average equity | $3,414,021,800 | 50 |
| Average total loans | $17,772,080,000 | 46 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 7,211 |
| Cost of funding earning assets | 0.6560% | 7,166 |
| Net interest margin | 3.4322% | 5,564 |
| Noninterest income to average assets | 3.0069% | 223 |
| Noninterest expense to average assets | 4.4276% | 645 |
| Loan and lease loss provision to assets | 1.1677% | 1,235 |
| Net operating income to assets | 0.3382% | 5,015 |
| Return on assets (ROA) | 0.3382% | 5,191 |
| Pretax return on assets | 0.3003% | 5,506 |
| Return on Equity (ROE) | 2.5063% | 5,429 |
| Retained earnings to average equity (ytd only) | 2.1769% | 4,869 |
| Net charge-offs to loans | 3.1730% | 464 |
| Credit loss provision to net charge-offs | 52.7436% | 5,845 |
| Earnings coverage of net charge-offs (x) | 0.6631% | 5,382 |
| Efficiency ratio | 74.7352% | 3,192 |
| Assets per employee ($millions) | 4.8757% | 2,362 |
| Cash dividends to net income (ytd only)* | 13.1407% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1150% | 333 |
| Loan loss allowance to noncurrent loans | 75.5885% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 4.3334% | 1,567 |
| Noncurrent loans to loans | 5.4440% | 1,226 |
| Net loans and leases to total assets | 66.5722% | 3,552 |
| Net loans and leases to deposits | 110.7407% | 241 |
| Net loans and leases to core deposits | 126.9796% | 436 |
| Total domestic deposits to total assets | 60.1154% | 7,591 |
| Equity capital to assets | 13.9217% | 1,194 |
| Core capital (leverage) ratio | 13.1326% | 1,176 |
| Tier 1 risk-based capital ratio | 16.3390% | 2,619 |
| Total risk-based capital ratio | 19.9701% | 1,789 |
| Memoranda: | ||
| Average total assets | $25,691,683,250 | 52 |
| Average earning assets | $21,622,680,500 | 52 |
| Average equity | $3,466,617,000 | 49 |
| Average total loans | $17,925,522,500 | 44 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 7,325 |
| Cost of funding earning assets | 0.6633% | 7,270 |
| Net interest margin | 3.3818% | 5,708 |
| Noninterest income to average assets | 2.9838% | 221 |
| Noninterest expense to average assets | 4.4207% | 631 |
| Loan and lease loss provision to assets | 1.3531% | 1,001 |
| Net operating income to assets | 0.1728% | 5,655 |
| Return on assets (ROA) | 0.1728% | 5,782 |
| Pretax return on assets | 0.0532% | 6,064 |
| Return on Equity (ROE) | 1.2936% | 5,870 |
| Retained earnings to average equity (ytd only) | 0.9643% | 5,382 |
| Net charge-offs to loans | 3.4878% | 423 |
| Credit loss provision to net charge-offs | 55.5164% | 5,309 |
| Earnings coverage of net charge-offs (x) | 0.5770% | 5,162 |
| Efficiency ratio | 75.4985% | 3,161 |
| Assets per employee ($millions) | 5.0247% | 2,151 |
| Cash dividends to net income (ytd only)* | 25.4588% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4193% | 270 |
| Loan loss allowance to noncurrent loans | 83.4373% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 4.0622% | 1,686 |
| Noncurrent loans to loans | 5.2966% | 1,270 |
| Net loans and leases to total assets | 64.8136% | 4,081 |
| Net loans and leases to deposits | 110.9699% | 250 |
| Net loans and leases to core deposits | 123.4719% | 582 |
| Total domestic deposits to total assets | 58.4065% | 7,678 |
| Equity capital to assets | 13.3221% | 1,428 |
| Core capital (leverage) ratio | 13.0136% | 1,205 |
| Tier 1 risk-based capital ratio | 15.7323% | 2,790 |
| Total risk-based capital ratio | 19.2631% | 1,925 |
| Memoranda: | ||
| Average total assets | $25,866,047,330 | 52 |
| Average earning assets | $21,746,681,000 | 52 |
| Average equity | $3,454,190,670 | 49 |
| Average total loans | $18,075,907,330 | 43 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0471% | 7,420 |
| Cost of funding earning assets | 0.6725% | 7,393 |
| Net interest margin | 3.3746% | 5,692 |
| Noninterest income to average assets | 3.0700% | 211 |
| Noninterest expense to average assets | 4.6227% | 503 |
| Loan and lease loss provision to assets | 1.6293% | 706 |
| Net operating income to assets | -0.0702% | 6,396 |
| Return on assets (ROA) | -0.0702% | 6,476 |
| Pretax return on assets | -0.3422% | 6,677 |
| Return on Equity (ROE) | -0.5250% | 6,473 |
| Retained earnings to average equity (ytd only) | -0.8551% | 6,019 |
| Net charge-offs to loans | 3.9911% | 329 |
| Credit loss provision to net charge-offs | 57.5557% | 4,349 |
| Earnings coverage of net charge-offs (x) | 0.4547% | 4,616 |
| Efficiency ratio | 77.8581% | 2,922 |
| Assets per employee ($millions) | 4.9957% | 2,237 |
| Cash dividends to net income (ytd only)* | -62.8647% | 7,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6871% | 226 |
| Loan loss allowance to noncurrent loans | 76.9800% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 4.7348% | 1,395 |
| Noncurrent loans to loans | 6.0887% | 1,070 |
| Net loans and leases to total assets | 66.6876% | 3,702 |
| Net loans and leases to deposits | 112.4056% | 248 |
| Net loans and leases to core deposits | 127.5506% | 548 |
| Total domestic deposits to total assets | 59.3277% | 7,765 |
| Equity capital to assets | 13.3705% | 1,377 |
| Core capital (leverage) ratio | 12.9383% | 1,231 |
| Tier 1 risk-based capital ratio | 15.4425% | 2,895 |
| Total risk-based capital ratio | 19.2105% | 1,922 |
| Memoranda: | ||
| Average total assets | $25,777,503,000 | 48 |
| Average earning assets | $21,692,670,000 | 50 |
| Average equity | $3,446,541,000 | 49 |
| Average total loans | $18,283,893,500 | 42 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 7,628 |
| Cost of funding earning assets | 0.8560% | 7,476 |
| Net interest margin | 3.2979% | 5,757 |
| Noninterest income to average assets | 3.7500% | 180 |
| Noninterest expense to average assets | 4.8335% | 592 |
| Loan and lease loss provision to assets | 3.0876% | 551 |
| Net operating income to assets | -0.8300% | 6,459 |
| Return on assets (ROA) | -0.8282% | 6,459 |
| Pretax return on assets | -1.4009% | 6,646 |
| Return on Equity (ROE) | -6.6376% | 6,356 |
| Retained earnings to average equity (ytd only) | -6.9578% | 6,238 |
| Net charge-offs to loans | 4.1311% | 384 |
| Credit loss provision to net charge-offs | 105.6327% | 5,245 |
| Earnings coverage of net charge-offs (x) | 0.5764% | 5,527 |
| Efficiency ratio | 73.8346% | 3,930 |
| Assets per employee ($millions) | 4.5641% | 2,817 |
| Cash dividends to net income (ytd only)* | -4.8234% | 7,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8236% | 192 |
| Loan loss allowance to noncurrent loans | 80.0062% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 4.8186% | 1,302 |
| Noncurrent loans to loans | 6.0291% | 1,042 |
| Net loans and leases to total assets | 68.4199% | 3,605 |
| Net loans and leases to deposits | 117.5960% | 207 |
| Net loans and leases to core deposits | 125.8959% | 1,521 |
| Total domestic deposits to total assets | 58.1822% | 7,831 |
| Equity capital to assets | 13.3702% | 1,372 |
| Core capital (leverage) ratio | 12.5582% | 1,423 |
| Tier 1 risk-based capital ratio | 15.1649% | 2,861 |
| Total risk-based capital ratio | 19.6408% | 1,737 |
| Memoranda: | ||
| Average total assets | $28,474,634,600 | 50 |
| Average earning assets | $23,902,337,400 | 50 |
| Average equity | $3,552,928,200 | 46 |
| Average total loans | $20,147,069,600 | 43 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 7,745 |
| Cost of funding earning assets | 0.9077% | 7,542 |
| Net interest margin | 3.2537% | 5,815 |
| Noninterest income to average assets | 4.0678% | 165 |
| Noninterest expense to average assets | 4.8433% | 545 |
| Loan and lease loss provision to assets | 3.4058% | 398 |
| Net operating income to assets | -0.8516% | 6,728 |
| Return on assets (ROA) | -0.8491% | 6,723 |
| Pretax return on assets | -1.4524% | 6,937 |
| Return on Equity (ROE) | -6.9149% | 6,652 |
| Retained earnings to average equity (ytd only) | -7.2340% | 6,533 |
| Net charge-offs to loans | 4.2158% | 317 |
| Credit loss provision to net charge-offs | 114.5866% | 4,429 |
| Earnings coverage of net charge-offs (x) | 0.6564% | 5,375 |
| Efficiency ratio | 70.9848% | 4,425 |
| Assets per employee ($millions) | 5.0922% | 2,031 |
| Cash dividends to net income (ytd only)* | -4.6154% | 7,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9608% | 145 |
| Loan loss allowance to noncurrent loans | 72.9840% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 5.3555% | 1,081 |
| Noncurrent loans to loans | 6.7971% | 819 |
| Net loans and leases to total assets | 68.9449% | 3,721 |
| Net loans and leases to deposits | 125.3934% | 140 |
| Net loans and leases to core deposits | 143.6775% | 777 |
| Total domestic deposits to total assets | 54.9829% | 7,936 |
| Equity capital to assets | 13.3782% | 1,540 |
| Core capital (leverage) ratio | 12.4664% | 1,597 |
| Tier 1 risk-based capital ratio | 15.0581% | 3,011 |
| Total risk-based capital ratio | 19.4874% | 1,869 |
| Memoranda: | ||
| Average total assets | $29,132,813,750 | 52 |
| Average earning assets | $24,410,858,250 | 55 |
| Average equity | $3,577,379,000 | 50 |
| Average total loans | $20,539,560,500 | 46 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 7,842 |
| Cost of funding earning assets | 0.9807% | 7,577 |
| Net interest margin | 3.1891% | 5,956 |
| Noninterest income to average assets | 4.2691% | 158 |
| Noninterest expense to average assets | 5.0299% | 500 |
| Loan and lease loss provision to assets | 3.7154% | 362 |
| Net operating income to assets | -1.0464% | 7,020 |
| Return on assets (ROA) | -1.0427% | 7,014 |
| Pretax return on assets | -1.8018% | 7,216 |
| Return on Equity (ROE) | -8.7183% | 6,946 |
| Retained earnings to average equity (ytd only) | -9.0290% | 6,772 |
| Net charge-offs to loans | 4.2553% | 317 |
| Credit loss provision to net charge-offs | 124.8924% | 3,725 |
| Earnings coverage of net charge-offs (x) | 0.6420% | 5,057 |
| Efficiency ratio | 72.1892% | 4,372 |
| Assets per employee ($millions) | 5.3916% | 1,679 |
| Cash dividends to net income (ytd only)* | -3.5639% | 7,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7871% | 146 |
| Loan loss allowance to noncurrent loans | 73.3649% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 4.9960% | 1,065 |
| Noncurrent loans to loans | 6.5250% | 805 |
| Net loans and leases to total assets | 66.9414% | 4,371 |
| Net loans and leases to deposits | 125.8397% | 150 |
| Net loans and leases to core deposits | 143.8379% | 843 |
| Total domestic deposits to total assets | 53.1958% | 8,038 |
| Equity capital to assets | 12.3248% | 2,015 |
| Core capital (leverage) ratio | 11.6387% | 2,013 |
| Tier 1 risk-based capital ratio | 14.3420% | 3,333 |
| Total risk-based capital ratio | 18.6225% | 2,134 |
| Memoranda: | ||
| Average total assets | $30,100,437,000 | 51 |
| Average earning assets | $25,208,012,000 | 56 |
| Average equity | $3,600,138,330 | 51 |
| Average total loans | $21,043,365,000 | 47 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 7,911 |
| Cost of funding earning assets | 1.0924% | 7,534 |
| Net interest margin | 3.0970% | 6,207 |
| Noninterest income to average assets | 5.0226% | 129 |
| Noninterest expense to average assets | 5.0469% | 471 |
| Loan and lease loss provision to assets | 3.8861% | 247 |
| Net operating income to assets | -0.7569% | 7,103 |
| Return on assets (ROA) | -0.7569% | 7,137 |
| Pretax return on assets | -1.3242% | 7,312 |
| Return on Equity (ROE) | -6.4190% | 7,099 |
| Retained earnings to average equity (ytd only) | -6.7211% | 6,765 |
| Net charge-offs to loans | 3.8693% | 315 |
| Credit loss provision to net charge-offs | 144.0383% | 2,857 |
| Earnings coverage of net charge-offs (x) | 0.9496% | 4,297 |
| Efficiency ratio | 66.0719% | 5,315 |
| Assets per employee ($millions) | 5.7525% | 1,361 |
| Cash dividends to net income (ytd only)* | -4.7062% | 8,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4348% | 153 |
| Loan loss allowance to noncurrent loans | 67.9909% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 4.8967% | 938 |
| Noncurrent loans to loans | 6.5227% | 676 |
| Net loans and leases to total assets | 65.4666% | 4,712 |
| Net loans and leases to deposits | 135.9215% | 109 |
| Net loans and leases to core deposits | 154.0198% | 599 |
| Total domestic deposits to total assets | 48.1650% | 8,111 |
| Equity capital to assets | 11.6743% | 2,466 |
| Core capital (leverage) ratio | 11.4083% | 2,201 |
| Tier 1 risk-based capital ratio | 13.8567% | 3,665 |
| Total risk-based capital ratio | 18.1986% | 2,285 |
| Memoranda: | ||
| Average total assets | $30,879,118,000 | 52 |
| Average earning assets | $25,786,189,500 | 57 |
| Average equity | $3,641,275,000 | 51 |
| Average total loans | $21,531,157,000 | 48 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5543% | 7,186 |
| Cost of funding earning assets | 2.4150% | 4,657 |
| Net interest margin | 3.1393% | 6,545 |
| Noninterest income to average assets | 4.0506% | 146 |
| Noninterest expense to average assets | 4.5250% | 870 |
| Loan and lease loss provision to assets | 3.1313% | 285 |
| Net operating income to assets | -0.5142% | 6,932 |
| Return on assets (ROA) | -0.3889% | 6,690 |
| Pretax return on assets | -0.7861% | 6,871 |
| Return on Equity (ROE) | -4.4377% | 6,800 |
| Retained earnings to average equity (ytd only) | -4.9017% | 6,497 |
| Net charge-offs to loans | 2.3770% | 428 |
| Credit loss provision to net charge-offs | 188.4386% | 2,625 |
| Earnings coverage of net charge-offs (x) | 1.2943% | 5,480 |
| Efficiency ratio | 67.2866% | 4,855 |
| Assets per employee ($millions) | 5.0963% | 1,844 |
| Cash dividends to net income (ytd only)* | -10.4547% | 7,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8873% | 208 |
| Loan loss allowance to noncurrent loans | 71.5597% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 4.2624% | 925 |
| Noncurrent loans to loans | 5.4323% | 763 |
| Net loans and leases to total assets | 68.1987% | 4,428 |
| Net loans and leases to deposits | 144.8812% | 92 |
| Net loans and leases to core deposits | 165.2160% | 486 |
| Total domestic deposits to total assets | 47.0722% | 8,147 |
| Equity capital to assets | 11.9105% | 2,350 |
| Core capital (leverage) ratio | 11.4220% | 2,299 |
| Tier 1 risk-based capital ratio | 13.8743% | 3,605 |
| Total risk-based capital ratio | 18.2076% | 2,271 |
| Memoranda: | ||
| Average total assets | $34,489,947,400 | 47 |
| Average earning assets | $28,842,038,000 | 47 |
| Average equity | $3,022,500,800 | 53 |
| Average total loans | $24,112,025,000 | 42 |