Home > First National Bank of Omaha > Performance and Condition Ratios
First National Bank of Omaha, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8484% | 94 |
| Cost of funding earning assets | 2.2626% | 1,286 |
| Net interest margin | 6.5858% | 58 |
| Noninterest income to average assets | 1.1400% | 480 |
| Noninterest expense to average assets | 3.5516% | 567 |
| Loan and lease loss provision to assets | 1.9800% | 42 |
| Net operating income to assets | 1.1929% | 1,755 |
| Return on assets (ROA) | 1.1915% | 1,760 |
| Pretax return on assets | 1.5570% | 1,390 |
| Return on Equity (ROE) | 11.9000% | 1,779 |
| Retained earnings to average equity (ytd only) | 11.8955% | 813 |
| Net charge-offs to loans | 2.6409% | 64 |
| Credit loss provision to net charge-offs | 105.1427% | 1,231 |
| Earnings coverage of net charge-offs (x) | 1.8759% | 2,100 |
| Efficiency ratio | 49.5549% | 3,915 |
| Assets per employee ($millions) | 7.8324% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0591% | 93 |
| Loan loss allowance to noncurrent loans | 482.2869% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.6084% | 1,229 |
| Noncurrent loans to loans | 0.8416% | 1,245 |
| Net loans and leases to total assets | 68.2400% | 2,057 |
| Net loans and leases to deposits | 82.9639% | 1,795 |
| Net loans and leases to core deposits | 93.1899% | 1,822 |
| Total domestic deposits to total assets | 82.2500% | 3,257 |
| Equity capital to assets | 10.2908% | 2,048 |
| Core capital (leverage) ratio | 10.5113% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3539% | 2,088 |
| Memoranda: | ||
| Average total assets | $31,888,764,000 | 69 |
| Average earning assets | $28,783,456,500 | 68 |
| Average equity | $3,193,978,000 | 79 |
| Average total loans | $22,763,314,500 | 63 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3119% | 89 |
| Cost of funding earning assets | 2.7563% | 765 |
| Net interest margin | 6.5555% | 60 |
| Noninterest income to average assets | 1.3000% | 412 |
| Noninterest expense to average assets | 3.6624% | 488 |
| Loan and lease loss provision to assets | 1.7800% | 37 |
| Net operating income to assets | 1.3029% | 1,283 |
| Return on assets (ROA) | 1.3171% | 1,253 |
| Pretax return on assets | 1.7808% | 855 |
| Return on Equity (ROE) | 14.1200% | 1,100 |
| Retained earnings to average equity (ytd only) | 11.5607% | 358 |
| Net charge-offs to loans | 2.8243% | 60 |
| Credit loss provision to net charge-offs | 87.6101% | 2,058 |
| Earnings coverage of net charge-offs (x) | 1.7276% | 2,879 |
| Efficiency ratio | 50.3216% | 3,973 |
| Assets per employee ($millions) | 7.6926% | 1,719 |
| Cash dividends to net income (ytd only)* | 18.1047% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9716% | 96 |
| Loan loss allowance to noncurrent loans | 430.8046% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 1,081 |
| Noncurrent loans to loans | 0.9219% | 1,080 |
| Net loans and leases to total assets | 68.8000% | 2,038 |
| Net loans and leases to deposits | 82.0892% | 1,946 |
| Net loans and leases to core deposits | 94.4046% | 1,817 |
| Total domestic deposits to total assets | 83.8100% | 2,830 |
| Equity capital to assets | 9.7429% | 2,281 |
| Core capital (leverage) ratio | 10.3862% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1727% | 2,163 |
| Memoranda: | ||
| Average total assets | $31,448,394,200 | 65 |
| Average earning assets | $28,354,131,800 | 65 |
| Average equity | $2,934,247,800 | 80 |
| Average total loans | $22,842,567,000 | 60 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3566% | 90 |
| Cost of funding earning assets | 2.8250% | 677 |
| Net interest margin | 6.5316% | 62 |
| Noninterest income to average assets | 1.2700% | 415 |
| Noninterest expense to average assets | 3.6780% | 473 |
| Loan and lease loss provision to assets | 1.8500% | 35 |
| Net operating income to assets | 1.2120% | 1,489 |
| Return on assets (ROA) | 1.2304% | 1,462 |
| Pretax return on assets | 1.6441% | 1,097 |
| Return on Equity (ROE) | 13.3400% | 1,290 |
| Retained earnings to average equity (ytd only) | 13.3374% | 359 |
| Net charge-offs to loans | 2.8812% | 54 |
| Credit loss provision to net charge-offs | 88.7150% | 1,793 |
| Earnings coverage of net charge-offs (x) | 1.6543% | 2,645 |
| Efficiency ratio | 50.9369% | 3,929 |
| Assets per employee ($millions) | 7.4877% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0706% | 96 |
| Loan loss allowance to noncurrent loans | 534.7749% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 1,280 |
| Noncurrent loans to loans | 0.7612% | 1,299 |
| Net loans and leases to total assets | 69.1100% | 1,946 |
| Net loans and leases to deposits | 83.0365% | 1,879 |
| Net loans and leases to core deposits | 95.4091% | 1,794 |
| Total domestic deposits to total assets | 83.2300% | 2,781 |
| Equity capital to assets | 9.8882% | 2,367 |
| Core capital (leverage) ratio | 10.0808% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8933% | 2,280 |
| Memoranda: | ||
| Average total assets | $31,314,063,500 | 68 |
| Average earning assets | $28,221,178,750 | 68 |
| Average equity | $2,888,726,250 | 82 |
| Average total loans | $22,824,444,750 | 62 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2891% | 93 |
| Cost of funding earning assets | 2.8100% | 651 |
| Net interest margin | 6.4791% | 67 |
| Noninterest income to average assets | 1.3100% | 409 |
| Noninterest expense to average assets | 3.4700% | 596 |
| Loan and lease loss provision to assets | 1.7100% | 35 |
| Net operating income to assets | 1.5178% | 890 |
| Return on assets (ROA) | 1.5325% | 875 |
| Pretax return on assets | 1.9885% | 654 |
| Return on Equity (ROE) | 17.0300% | 710 |
| Retained earnings to average equity (ytd only) | 17.0296% | 199 |
| Net charge-offs to loans | 2.7712% | 62 |
| Credit loss provision to net charge-offs | 85.3717% | 1,611 |
| Earnings coverage of net charge-offs (x) | 1.8162% | 2,442 |
| Efficiency ratio | 48.0632% | 4,109 |
| Assets per employee ($millions) | 7.2042% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0844% | 98 |
| Loan loss allowance to noncurrent loans | 536.0068% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5698% | 1,190 |
| Noncurrent loans to loans | 0.7620% | 1,223 |
| Net loans and leases to total assets | 70.3700% | 1,862 |
| Net loans and leases to deposits | 84.2177% | 1,823 |
| Net loans and leases to core deposits | 97.3018% | 1,653 |
| Total domestic deposits to total assets | 83.5600% | 2,732 |
| Equity capital to assets | 9.4401% | 2,428 |
| Core capital (leverage) ratio | 10.1054% | 2,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6138% | 2,385 |
| Memoranda: | ||
| Average total assets | $31,132,087,000 | 67 |
| Average earning assets | $28,065,981,667 | 67 |
| Average equity | $2,801,513,667 | 83 |
| Average total loans | $22,781,362,333 | 61 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3433% | 95 |
| Cost of funding earning assets | 2.8441% | 556 |
| Net interest margin | 6.4992% | 79 |
| Noninterest income to average assets | 1.2800% | 396 |
| Noninterest expense to average assets | 3.4654% | 589 |
| Loan and lease loss provision to assets | 1.4900% | 44 |
| Net operating income to assets | 1.6708% | 695 |
| Return on assets (ROA) | 1.6715% | 701 |
| Pretax return on assets | 2.1726% | 494 |
| Return on Equity (ROE) | 19.0500% | 514 |
| Retained earnings to average equity (ytd only) | 19.0504% | 231 |
| Net charge-offs to loans | 2.7703% | 35 |
| Credit loss provision to net charge-offs | 75.7716% | 1,306 |
| Earnings coverage of net charge-offs (x) | 1.8093% | 2,027 |
| Efficiency ratio | 48.1911% | 4,093 |
| Assets per employee ($millions) | 6.9421% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2420% | 56 |
| Loan loss allowance to noncurrent loans | 534.0738% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 1,091 |
| Noncurrent loans to loans | 0.7943% | 1,109 |
| Net loans and leases to total assets | 69.8100% | 1,825 |
| Net loans and leases to deposits | 80.8607% | 1,991 |
| Net loans and leases to core deposits | 93.5201% | 1,814 |
| Total domestic deposits to total assets | 86.3300% | 1,986 |
| Equity capital to assets | 9.0048% | 2,678 |
| Core capital (leverage) ratio | 9.5993% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1798% | 2,533 |
| Memoranda: | ||
| Average total assets | $30,949,732,000 | 67 |
| Average earning assets | $27,861,837,000 | 67 |
| Average equity | $2,715,611,000 | 84 |
| Average total loans | $22,617,865,000 | 61 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9385% | 91 |
| Cost of funding earning assets | 2.1848% | 663 |
| Net interest margin | 6.7537% | 64 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 3.9792% | 375 |
| Loan and lease loss provision to assets | 2.2100% | 27 |
| Net operating income to assets | 0.7850% | 2,914 |
| Return on assets (ROA) | 0.8087% | 2,821 |
| Pretax return on assets | 1.0350% | 2,575 |
| Return on Equity (ROE) | 9.2900% | 2,686 |
| Retained earnings to average equity (ytd only) | 7.5313% | 1,692 |
| Net charge-offs to loans | 2.1784% | 43 |
| Credit loss provision to net charge-offs | 138.8023% | 1,538 |
| Earnings coverage of net charge-offs (x) | 2.0544% | 2,725 |
| Efficiency ratio | 54.8258% | 3,617 |
| Assets per employee ($millions) | 6.9460% | 2,110 |
| Cash dividends to net income (ytd only)* | 18.9032% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3438% | 53 |
| Loan loss allowance to noncurrent loans | 561.7004% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5771% | 959 |
| Noncurrent loans to loans | 0.7733% | 1,008 |
| Net loans and leases to total assets | 70.0800% | 1,800 |
| Net loans and leases to deposits | 82.7842% | 1,890 |
| Net loans and leases to core deposits | 98.6383% | 1,512 |
| Total domestic deposits to total assets | 84.6500% | 2,420 |
| Equity capital to assets | 8.5462% | 3,018 |
| Core capital (leverage) ratio | 9.4914% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7530% | 2,639 |
| Memoranda: | ||
| Average total assets | $29,440,138,200 | 71 |
| Average earning assets | $26,259,837,000 | 71 |
| Average equity | $2,563,544,400 | 80 |
| Average total loans | $21,155,913,400 | 61 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7993% | 87 |
| Cost of funding earning assets | 1.9744% | 734 |
| Net interest margin | 6.8249% | 59 |
| Noninterest income to average assets | 1.2100% | 494 |
| Noninterest expense to average assets | 4.0188% | 356 |
| Loan and lease loss provision to assets | 1.9800% | 32 |
| Net operating income to assets | 0.9918% | 2,389 |
| Return on assets (ROA) | 1.0146% | 2,309 |
| Pretax return on assets | 1.3116% | 2,001 |
| Return on Equity (ROE) | 11.5900% | 2,227 |
| Retained earnings to average equity (ytd only) | 9.2278% | 1,629 |
| Net charge-offs to loans | 2.0583% | 41 |
| Credit loss provision to net charge-offs | 130.9494% | 1,413 |
| Earnings coverage of net charge-offs (x) | 2.2231% | 2,493 |
| Efficiency ratio | 54.6361% | 3,535 |
| Assets per employee ($millions) | 6.3599% | 2,444 |
| Cash dividends to net income (ytd only)* | 20.3837% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1446% | 52 |
| Loan loss allowance to noncurrent loans | 566.6600% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 1,071 |
| Noncurrent loans to loans | 0.7314% | 1,133 |
| Net loans and leases to total assets | 70.2600% | 1,798 |
| Net loans and leases to deposits | 81.5173% | 1,936 |
| Net loans and leases to core deposits | 94.9861% | 1,618 |
| Total domestic deposits to total assets | 86.1800% | 2,141 |
| Equity capital to assets | 8.3483% | 2,828 |
| Core capital (leverage) ratio | 9.5972% | 3,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9649% | 2,620 |
| Memoranda: | ||
| Average total assets | $29,013,508,500 | 72 |
| Average earning assets | $25,843,698,000 | 73 |
| Average equity | $2,539,728,750 | 81 |
| Average total loans | $20,746,962,250 | 64 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5532% | 89 |
| Cost of funding earning assets | 1.7243% | 854 |
| Net interest margin | 6.8289% | 58 |
| Noninterest income to average assets | 1.2000% | 439 |
| Noninterest expense to average assets | 4.0720% | 324 |
| Loan and lease loss provision to assets | 1.8700% | 30 |
| Net operating income to assets | 1.0233% | 2,344 |
| Return on assets (ROA) | 1.0260% | 2,327 |
| Pretax return on assets | 1.3245% | 2,004 |
| Return on Equity (ROE) | 11.5400% | 2,288 |
| Retained earnings to average equity (ytd only) | 8.0089% | 1,959 |
| Net charge-offs to loans | 1.9686% | 48 |
| Credit loss provision to net charge-offs | 134.1278% | 1,268 |
| Earnings coverage of net charge-offs (x) | 2.2879% | 2,313 |
| Efficiency ratio | 55.5559% | 3,475 |
| Assets per employee ($millions) | 6.0695% | 2,654 |
| Cash dividends to net income (ytd only)* | 30.5713% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2542% | 57 |
| Loan loss allowance to noncurrent loans | 677.0780% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 1,181 |
| Noncurrent loans to loans | 0.6283% | 1,189 |
| Net loans and leases to total assets | 68.4800% | 1,916 |
| Net loans and leases to deposits | 80.0408% | 1,975 |
| Net loans and leases to core deposits | 92.2845% | 1,665 |
| Total domestic deposits to total assets | 85.5600% | 2,378 |
| Equity capital to assets | 8.4366% | 2,916 |
| Core capital (leverage) ratio | 9.6660% | 3,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0776% | 2,606 |
| Memoranda: | ||
| Average total assets | $28,695,387,000 | 70 |
| Average earning assets | $25,490,819,667 | 72 |
| Average equity | $2,552,373,667 | 79 |
| Average total loans | $20,341,189,333 | 64 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3664% | 51 |
| Cost of funding earning assets | 1.4296% | 970 |
| Net interest margin | 6.9368% | 53 |
| Noninterest income to average assets | 1.1200% | 484 |
| Noninterest expense to average assets | 4.0849% | 339 |
| Loan and lease loss provision to assets | 1.9200% | 33 |
| Net operating income to assets | 0.9794% | 2,596 |
| Return on assets (ROA) | 0.9828% | 2,554 |
| Pretax return on assets | 1.2660% | 2,266 |
| Return on Equity (ROE) | 10.7600% | 2,555 |
| Retained earnings to average equity (ytd only) | 6.8952% | 2,521 |
| Net charge-offs to loans | 1.8111% | 45 |
| Credit loss provision to net charge-offs | 150.4419% | 948 |
| Earnings coverage of net charge-offs (x) | 2.4917% | 1,928 |
| Efficiency ratio | 55.6874% | 3,436 |
| Assets per employee ($millions) | 5.8858% | 2,860 |
| Cash dividends to net income (ytd only)* | 35.9243% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3513% | 54 |
| Loan loss allowance to noncurrent loans | 685.3394% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 1,127 |
| Noncurrent loans to loans | 0.6349% | 1,183 |
| Net loans and leases to total assets | 67.5500% | 1,892 |
| Net loans and leases to deposits | 75.7851% | 2,140 |
| Net loans and leases to core deposits | 85.5143% | 1,896 |
| Total domestic deposits to total assets | 89.1300% | 1,499 |
| Equity capital to assets | 8.7281% | 2,717 |
| Core capital (leverage) ratio | 9.8494% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4020% | 2,604 |
| Memoranda: | ||
| Average total assets | $28,333,733,000 | 76 |
| Average earning assets | $25,128,239,500 | 76 |
| Average equity | $2,587,592,000 | 81 |
| Average total loans | $19,990,864,500 | 68 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3977% | 74 |
| Cost of funding earning assets | 0.3564% | 2,428 |
| Net interest margin | 6.0413% | 56 |
| Noninterest income to average assets | 1.4300% | 367 |
| Noninterest expense to average assets | 4.0309% | 329 |
| Loan and lease loss provision to assets | 1.2000% | 37 |
| Net operating income to assets | 1.2481% | 1,609 |
| Return on assets (ROA) | 1.2613% | 1,511 |
| Pretax return on assets | 1.6322% | 1,078 |
| Return on Equity (ROE) | 12.4400% | 1,995 |
| Retained earnings to average equity (ytd only) | 6.0400% | 2,634 |
| Net charge-offs to loans | 1.0495% | 63 |
| Credit loss provision to net charge-offs | 169.2985% | 1,219 |
| Earnings coverage of net charge-offs (x) | 3.9812% | 2,439 |
| Efficiency ratio | 58.5153% | 3,262 |
| Assets per employee ($millions) | 6.0209% | 2,743 |
| Cash dividends to net income (ytd only)* | 51.4627% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0889% | 366 |
| Loan loss allowance to noncurrent loans | 334.3498% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 1,140 |
| Noncurrent loans to loans | 0.6248% | 1,186 |
| Net loans and leases to total assets | 69.0200% | 1,729 |
| Net loans and leases to deposits | 78.3499% | 1,908 |
| Net loans and leases to core deposits | 84.1218% | 1,874 |
| Total domestic deposits to total assets | 88.0900% | 2,043 |
| Equity capital to assets | 9.5387% | 1,978 |
| Core capital (leverage) ratio | 10.1737% | 2,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5147% | 2,568 |
| Memoranda: | ||
| Average total assets | $26,960,503,600 | 80 |
| Average earning assets | $24,183,430,800 | 79 |
| Average equity | $2,732,633,000 | 83 |
| Average total loans | $18,177,461,800 | 75 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9629% | 79 |
| Cost of funding earning assets | 0.1714% | 3,607 |
| Net interest margin | 5.7915% | 57 |
| Noninterest income to average assets | 1.5100% | 361 |
| Noninterest expense to average assets | 3.9402% | 340 |
| Loan and lease loss provision to assets | 1.0600% | 39 |
| Net operating income to assets | 1.3232% | 1,284 |
| Return on assets (ROA) | 1.3325% | 1,238 |
| Pretax return on assets | 1.7281% | 853 |
| Return on Equity (ROE) | 12.9400% | 1,716 |
| Retained earnings to average equity (ytd only) | 7.1081% | 2,326 |
| Net charge-offs to loans | 0.9408% | 54 |
| Credit loss provision to net charge-offs | 168.5393% | 1,069 |
| Earnings coverage of net charge-offs (x) | 4.4291% | 2,174 |
| Efficiency ratio | 58.3893% | 3,338 |
| Assets per employee ($millions) | 5.8760% | 2,871 |
| Cash dividends to net income (ytd only)* | 45.0879% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9694% | 529 |
| Loan loss allowance to noncurrent loans | 344.6975% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 1,313 |
| Noncurrent loans to loans | 0.5713% | 1,403 |
| Net loans and leases to total assets | 69.1100% | 1,558 |
| Net loans and leases to deposits | 80.5791% | 1,551 |
| Net loans and leases to core deposits | 81.5204% | 1,797 |
| Total domestic deposits to total assets | 85.7700% | 3,120 |
| Equity capital to assets | 9.9425% | 1,655 |
| Core capital (leverage) ratio | 10.5889% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1415% | 2,410 |
| Memoranda: | ||
| Average total assets | $26,632,093,250 | 81 |
| Average earning assets | $23,960,807,250 | 82 |
| Average equity | $2,741,542,250 | 86 |
| Average total loans | $17,739,133,750 | 77 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4552% | 104 |
| Cost of funding earning assets | 0.0960% | 4,230 |
| Net interest margin | 5.3592% | 83 |
| Noninterest income to average assets | 1.5719% | 316 |
| Noninterest expense to average assets | 3.8206% | 317 |
| Loan and lease loss provision to assets | 0.7866% | 59 |
| Net operating income to assets | 1.3890% | 924 |
| Return on assets (ROA) | 1.3948% | 895 |
| Pretax return on assets | 1.8070% | 590 |
| Return on Equity (ROE) | 13.3965% | 1,270 |
| Retained earnings to average equity (ytd only) | 8.3460% | 1,492 |
| Net charge-offs to loans | 0.8953% | 72 |
| Credit loss provision to net charge-offs | 134.5258% | 1,141 |
| Earnings coverage of net charge-offs (x) | 4.4271% | 1,955 |
| Efficiency ratio | 59.3764% | 3,386 |
| Assets per employee ($millions) | 5.5666% | 3,156 |
| Cash dividends to net income (ytd only)* | 37.7003% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 942 |
| Loan loss allowance to noncurrent loans | 336.7856% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 1,550 |
| Noncurrent loans to loans | 0.5081% | 1,608 |
| Net loans and leases to total assets | 69.1266% | 1,386 |
| Net loans and leases to deposits | 79.4629% | 1,425 |
| Net loans and leases to core deposits | 80.0649% | 1,712 |
| Total domestic deposits to total assets | 86.9923% | 2,941 |
| Equity capital to assets | 10.5767% | 1,400 |
| Core capital (leverage) ratio | 10.7572% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8486% | 2,125 |
| Memoranda: | ||
| Average total assets | $26,628,807,000 | 82 |
| Average earning assets | $24,035,234,333 | 82 |
| Average equity | $2,772,427,667 | 86 |
| Average total loans | $17,391,064,667 | 76 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 141 |
| Cost of funding earning assets | 0.0854% | 4,299 |
| Net interest margin | 4.9795% | 97 |
| Noninterest income to average assets | 1.6597% | 309 |
| Noninterest expense to average assets | 3.5607% | 398 |
| Loan and lease loss provision to assets | 0.7032% | 62 |
| Net operating income to assets | 1.4664% | 684 |
| Return on assets (ROA) | 1.4730% | 665 |
| Pretax return on assets | 1.9096% | 435 |
| Return on Equity (ROE) | 14.2564% | 783 |
| Retained earnings to average equity (ytd only) | 10.6737% | 855 |
| Net charge-offs to loans | 0.8866% | 79 |
| Credit loss provision to net charge-offs | 126.0821% | 912 |
| Earnings coverage of net charge-offs (x) | 4.6738% | 1,618 |
| Efficiency ratio | 57.6677% | 3,716 |
| Assets per employee ($millions) | 6.1600% | 2,657 |
| Cash dividends to net income (ytd only)* | 25.1301% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 1,046 |
| Loan loss allowance to noncurrent loans | 334.9758% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 1,801 |
| Noncurrent loans to loans | 0.5090% | 1,751 |
| Net loans and leases to total assets | 62.2276% | 1,835 |
| Net loans and leases to deposits | 70.9264% | 1,871 |
| Net loans and leases to core deposits | 71.4765% | 2,157 |
| Total domestic deposits to total assets | 87.7356% | 2,654 |
| Equity capital to assets | 10.2293% | 1,736 |
| Core capital (leverage) ratio | 10.6114% | 1,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3079% | 2,074 |
| Memoranda: | ||
| Average total assets | $27,023,193,000 | 82 |
| Average earning assets | $24,464,104,000 | 81 |
| Average equity | $2,792,128,500 | 85 |
| Average total loans | $16,999,926,500 | 78 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 222 |
| Cost of funding earning assets | 0.1118% | 4,294 |
| Net interest margin | 5.0068% | 142 |
| Noninterest income to average assets | 1.8852% | 348 |
| Noninterest expense to average assets | 3.8439% | 339 |
| Loan and lease loss provision to assets | 0.0269% | 2,517 |
| Net operating income to assets | 2.0171% | 329 |
| Return on assets (ROA) | 2.0246% | 340 |
| Pretax return on assets | 2.6000% | 227 |
| Return on Equity (ROE) | 18.9504% | 385 |
| Retained earnings to average equity (ytd only) | 9.7142% | 990 |
| Net charge-offs to loans | 0.9928% | 64 |
| Credit loss provision to net charge-offs | 4.2320% | 2,319 |
| Earnings coverage of net charge-offs (x) | 4.1161% | 2,506 |
| Efficiency ratio | 59.3894% | 3,243 |
| Assets per employee ($millions) | 6.3643% | 2,439 |
| Cash dividends to net income (ytd only)* | 48.7388% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 1,054 |
| Loan loss allowance to noncurrent loans | 283.3780% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 1,726 |
| Noncurrent loans to loans | 0.5983% | 1,638 |
| Net loans and leases to total assets | 61.4444% | 2,012 |
| Net loans and leases to deposits | 70.3054% | 2,102 |
| Net loans and leases to core deposits | 70.8237% | 2,372 |
| Total domestic deposits to total assets | 87.3964% | 2,336 |
| Equity capital to assets | 10.4370% | 2,232 |
| Core capital (leverage) ratio | 10.4476% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3559% | 2,097 |
| Memoranda: | ||
| Average total assets | $25,638,939,800 | 88 |
| Average earning assets | $23,440,178,800 | 87 |
| Average equity | $2,739,241,600 | 86 |
| Average total loans | $16,429,997,000 | 79 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1413% | 239 |
| Cost of funding earning assets | 0.1185% | 4,362 |
| Net interest margin | 5.0228% | 151 |
| Noninterest income to average assets | 1.9899% | 358 |
| Noninterest expense to average assets | 3.7084% | 369 |
| Loan and lease loss provision to assets | -0.0829% | 4,562 |
| Net operating income to assets | 2.2941% | 275 |
| Return on assets (ROA) | 2.3007% | 289 |
| Pretax return on assets | 2.9688% | 178 |
| Return on Equity (ROE) | 21.4032% | 332 |
| Retained earnings to average equity (ytd only) | 13.9153% | 516 |
| Net charge-offs to loans | 1.0832% | 58 |
| Credit loss provision to net charge-offs | -11.8666% | 3,057 |
| Earnings coverage of net charge-offs (x) | 4.1200% | 2,281 |
| Efficiency ratio | 56.2016% | 3,502 |
| Assets per employee ($millions) | 6.1935% | 2,511 |
| Cash dividends to net income (ytd only)* | 34.9849% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8238% | 891 |
| Loan loss allowance to noncurrent loans | 337.7160% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 2,100 |
| Noncurrent loans to loans | 0.5400% | 1,966 |
| Net loans and leases to total assets | 61.1636% | 2,118 |
| Net loans and leases to deposits | 71.6360% | 2,092 |
| Net loans and leases to core deposits | 72.2062% | 2,409 |
| Total domestic deposits to total assets | 85.3811% | 2,992 |
| Equity capital to assets | 11.0447% | 1,980 |
| Core capital (leverage) ratio | 10.6444% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1701% | 1,908 |
| Memoranda: | ||
| Average total assets | $25,345,460,000 | 89 |
| Average earning assets | $23,197,777,000 | 88 |
| Average equity | $2,724,435,000 | 86 |
| Average total loans | $16,347,717,250 | 79 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0996% | 293 |
| Cost of funding earning assets | 0.1238% | 4,407 |
| Net interest margin | 4.9757% | 171 |
| Noninterest income to average assets | 2.1118% | 304 |
| Noninterest expense to average assets | 3.6789% | 376 |
| Loan and lease loss provision to assets | -0.0573% | 4,542 |
| Net operating income to assets | 2.3890% | 252 |
| Return on assets (ROA) | 2.3940% | 267 |
| Pretax return on assets | 3.0738% | 176 |
| Return on Equity (ROE) | 22.4806% | 291 |
| Retained earnings to average equity (ytd only) | 16.8983% | 275 |
| Net charge-offs to loans | 1.2182% | 55 |
| Credit loss provision to net charge-offs | -7.2127% | 2,904 |
| Earnings coverage of net charge-offs (x) | 3.7881% | 2,057 |
| Efficiency ratio | 54.8933% | 3,689 |
| Assets per employee ($millions) | 6.1724% | 2,457 |
| Cash dividends to net income (ytd only)* | 24.8318% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 545 |
| Loan loss allowance to noncurrent loans | 376.0216% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 2,197 |
| Noncurrent loans to loans | 0.5467% | 2,032 |
| Net loans and leases to total assets | 62.2332% | 2,153 |
| Net loans and leases to deposits | 72.7572% | 2,138 |
| Net loans and leases to core deposits | 74.4724% | 2,366 |
| Total domestic deposits to total assets | 85.5354% | 2,900 |
| Equity capital to assets | 10.9847% | 1,988 |
| Core capital (leverage) ratio | 10.5208% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2306% | 1,894 |
| Memoranda: | ||
| Average total assets | $25,234,559,333 | 89 |
| Average earning assets | $23,216,767,333 | 88 |
| Average equity | $2,687,218,333 | 88 |
| Average total loans | $16,464,474,000 | 79 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1575% | 287 |
| Cost of funding earning assets | 0.1336% | 4,430 |
| Net interest margin | 5.0239% | 180 |
| Noninterest income to average assets | 1.7059% | 488 |
| Noninterest expense to average assets | 3.2484% | 651 |
| Loan and lease loss provision to assets | 0.6140% | 93 |
| Net operating income to assets | 1.8901% | 680 |
| Return on assets (ROA) | 1.8956% | 717 |
| Pretax return on assets | 2.4782% | 452 |
| Return on Equity (ROE) | 18.0902% | 720 |
| Retained earnings to average equity (ytd only) | 13.5296% | 810 |
| Net charge-offs to loans | 1.3455% | 52 |
| Credit loss provision to net charge-offs | 69.0237% | 1,251 |
| Earnings coverage of net charge-offs (x) | 3.4683% | 1,763 |
| Efficiency ratio | 51.1814% | 4,078 |
| Assets per employee ($millions) | 6.0850% | 2,514 |
| Cash dividends to net income (ytd only)* | 25.2105% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5510% | 237 |
| Loan loss allowance to noncurrent loans | 398.9466% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 2,141 |
| Noncurrent loans to loans | 0.6394% | 1,977 |
| Net loans and leases to total assets | 63.4278% | 2,109 |
| Net loans and leases to deposits | 73.7909% | 2,136 |
| Net loans and leases to core deposits | 75.6674% | 2,382 |
| Total domestic deposits to total assets | 85.9562% | 2,751 |
| Equity capital to assets | 10.4278% | 2,340 |
| Core capital (leverage) ratio | 10.3130% | 2,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5096% | 2,080 |
| Memoranda: | ||
| Average total assets | $25,112,028,500 | 89 |
| Average earning assets | $23,131,482,500 | 87 |
| Average equity | $2,631,393,500 | 90 |
| Average total loans | $16,601,909,000 | 79 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0271% | 92 |
| Cost of funding earning assets | 0.3916% | 3,632 |
| Net interest margin | 5.6355% | 60 |
| Noninterest income to average assets | 1.6414% | 465 |
| Noninterest expense to average assets | 3.7301% | 509 |
| Loan and lease loss provision to assets | 1.4094% | 48 |
| Net operating income to assets | 1.2728% | 1,324 |
| Return on assets (ROA) | 1.3060% | 1,334 |
| Pretax return on assets | 1.6782% | 891 |
| Return on Equity (ROE) | 12.3009% | 1,233 |
| Retained earnings to average equity (ytd only) | 7.4331% | 1,219 |
| Net charge-offs to loans | 1.6327% | 64 |
| Credit loss provision to net charge-offs | 123.7048% | 2,609 |
| Earnings coverage of net charge-offs (x) | 2.6733% | 3,143 |
| Efficiency ratio | 54.8504% | 4,108 |
| Assets per employee ($millions) | 5.8863% | 2,449 |
| Cash dividends to net income (ytd only)* | 39.5728% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6494% | 211 |
| Loan loss allowance to noncurrent loans | 331.8002% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.5386% | 1,943 |
| Noncurrent loans to loans | 0.7985% | 1,745 |
| Net loans and leases to total assets | 65.3853% | 2,172 |
| Net loans and leases to deposits | 76.2798% | 2,255 |
| Net loans and leases to core deposits | 78.5323% | 2,504 |
| Total domestic deposits to total assets | 85.7177% | 2,480 |
| Equity capital to assets | 10.5310% | 2,644 |
| Core capital (leverage) ratio | 10.0706% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8466% | 2,301 |
| Memoranda: | ||
| Average total assets | $23,519,429,200 | 86 |
| Average earning assets | $21,427,922,800 | 84 |
| Average equity | $2,497,070,600 | 89 |
| Average total loans | $16,412,081,000 | 79 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2073% | 81 |
| Cost of funding earning assets | 0.4566% | 3,487 |
| Net interest margin | 5.7508% | 57 |
| Noninterest income to average assets | 1.5973% | 463 |
| Noninterest expense to average assets | 3.6636% | 569 |
| Loan and lease loss provision to assets | 1.8035% | 42 |
| Net operating income to assets | 1.0351% | 2,207 |
| Return on assets (ROA) | 1.0791% | 2,180 |
| Pretax return on assets | 1.4197% | 1,666 |
| Return on Equity (ROE) | 10.1415% | 1,971 |
| Retained earnings to average equity (ytd only) | 8.1557% | 1,254 |
| Net charge-offs to loans | 1.7140% | 62 |
| Credit loss provision to net charge-offs | 149.2972% | 2,331 |
| Earnings coverage of net charge-offs (x) | 2.6222% | 2,978 |
| Efficiency ratio | 53.4405% | 4,210 |
| Assets per employee ($millions) | 5.7374% | 2,512 |
| Cash dividends to net income (ytd only)* | 19.5808% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9160% | 151 |
| Loan loss allowance to noncurrent loans | 478.9607% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 2,441 |
| Noncurrent loans to loans | 0.6088% | 2,277 |
| Net loans and leases to total assets | 66.2622% | 2,488 |
| Net loans and leases to deposits | 78.6628% | 2,460 |
| Net loans and leases to core deposits | 82.6278% | 2,609 |
| Total domestic deposits to total assets | 84.2358% | 2,739 |
| Equity capital to assets | 10.7892% | 2,554 |
| Core capital (leverage) ratio | 10.0411% | 2,681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9973% | 2,202 |
| Memoranda: | ||
| Average total assets | $23,212,756,750 | 84 |
| Average earning assets | $21,126,660,250 | 84 |
| Average equity | $2,469,835,500 | 89 |
| Average total loans | $16,359,933,250 | 79 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4967% | 87 |
| Cost of funding earning assets | 0.5418% | 3,282 |
| Net interest margin | 5.9548% | 66 |
| Noninterest income to average assets | 1.4558% | 496 |
| Noninterest expense to average assets | 3.6700% | 598 |
| Loan and lease loss provision to assets | 2.4592% | 39 |
| Net operating income to assets | 0.5633% | 3,853 |
| Return on assets (ROA) | 0.6300% | 3,724 |
| Pretax return on assets | 0.8342% | 3,494 |
| Return on Equity (ROE) | 5.9501% | 3,525 |
| Retained earnings to average equity (ytd only) | 2.9161% | 3,423 |
| Net charge-offs to loans | 1.8446% | 70 |
| Credit loss provision to net charge-offs | 187.0814% | 1,970 |
| Earnings coverage of net charge-offs (x) | 2.4412% | 2,774 |
| Efficiency ratio | 53.1536% | 4,271 |
| Assets per employee ($millions) | 5.6009% | 2,544 |
| Cash dividends to net income (ytd only)* | 50.9911% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1019% | 126 |
| Loan loss allowance to noncurrent loans | 447.5880% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4891% | 2,374 |
| Noncurrent loans to loans | 0.6930% | 2,139 |
| Net loans and leases to total assets | 66.4201% | 2,567 |
| Net loans and leases to deposits | 78.6962% | 2,578 |
| Net loans and leases to core deposits | 83.5867% | 2,643 |
| Total domestic deposits to total assets | 84.4006% | 2,599 |
| Equity capital to assets | 10.4368% | 2,803 |
| Core capital (leverage) ratio | 9.9159% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5934% | 2,365 |
| Memoranda: | ||
| Average total assets | $22,902,619,000 | 84 |
| Average earning assets | $20,857,910,333 | 84 |
| Average equity | $2,424,826,000 | 91 |
| Average total loans | $16,320,474,667 | 79 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0819% | 60 |
| Cost of funding earning assets | 0.7176% | 2,856 |
| Net interest margin | 6.3643% | 48 |
| Noninterest income to average assets | 1.3645% | 478 |
| Noninterest expense to average assets | 4.0740% | 467 |
| Loan and lease loss provision to assets | 2.6139% | 39 |
| Net operating income to assets | 0.3329% | 4,279 |
| Return on assets (ROA) | 0.4676% | 4,034 |
| Pretax return on assets | 0.6250% | 3,877 |
| Return on Equity (ROE) | 4.3837% | 3,852 |
| Retained earnings to average equity (ytd only) | -1.1028% | 4,156 |
| Net charge-offs to loans | 1.7488% | 85 |
| Credit loss provision to net charge-offs | 205.5701% | 1,401 |
| Earnings coverage of net charge-offs (x) | 2.4132% | 2,292 |
| Efficiency ratio | 56.8417% | 4,130 |
| Assets per employee ($millions) | 5.1707% | 2,465 |
| Cash dividends to net income (ytd only)* | 125.1565% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8159% | 179 |
| Loan loss allowance to noncurrent loans | 410.4504% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5177% | 2,441 |
| Noncurrent loans to loans | 0.6860% | 2,281 |
| Net loans and leases to total assets | 70.0688% | 2,247 |
| Net loans and leases to deposits | 85.3062% | 2,079 |
| Net loans and leases to core deposits | 92.1370% | 2,140 |
| Total domestic deposits to total assets | 82.1380% | 3,376 |
| Equity capital to assets | 10.8557% | 2,980 |
| Core capital (leverage) ratio | 10.1511% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9556% | 2,724 |
| Memoranda: | ||
| Average total assets | $22,410,113,000 | 83 |
| Average earning assets | $20,345,240,000 | 83 |
| Average equity | $2,390,689,500 | 92 |
| Average total loans | $16,293,670,500 | 78 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4476% | 56 |
| Cost of funding earning assets | 0.9209% | 2,111 |
| Net interest margin | 6.5267% | 47 |
| Noninterest income to average assets | 1.6022% | 364 |
| Noninterest expense to average assets | 4.3520% | 350 |
| Loan and lease loss provision to assets | 1.3325% | 66 |
| Net operating income to assets | 1.3722% | 1,442 |
| Return on assets (ROA) | 1.3754% | 1,505 |
| Pretax return on assets | 1.7928% | 958 |
| Return on Equity (ROE) | 13.1691% | 1,124 |
| Retained earnings to average equity (ytd only) | 6.8650% | 1,445 |
| Net charge-offs to loans | 1.9817% | 59 |
| Credit loss provision to net charge-offs | 91.8610% | 2,631 |
| Earnings coverage of net charge-offs (x) | 2.1517% | 3,450 |
| Efficiency ratio | 57.9718% | 3,967 |
| Assets per employee ($millions) | 4.8884% | 2,720 |
| Cash dividends to net income (ytd only)* | 47.8703% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2790% | 294 |
| Loan loss allowance to noncurrent loans | 328.2067% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 2,317 |
| Noncurrent loans to loans | 0.6944% | 2,145 |
| Net loans and leases to total assets | 71.6360% | 2,143 |
| Net loans and leases to deposits | 88.2026% | 1,817 |
| Net loans and leases to core deposits | 96.5723% | 1,852 |
| Total domestic deposits to total assets | 81.2176% | 3,720 |
| Equity capital to assets | 10.4825% | 3,467 |
| Core capital (leverage) ratio | 10.2915% | 3,198 |
| Tier 1 risk-based capital ratio | 11.3992% | 4,681 |
| Total risk-based capital ratio | 12.6596% | 4,550 |
| Memoranda: | ||
| Average total assets | $21,850,852,600 | 80 |
| Average earning assets | $19,655,869,200 | 79 |
| Average equity | $2,282,145,000 | 92 |
| Average total loans | $15,994,456,200 | 74 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5095% | 55 |
| Cost of funding earning assets | 0.9502% | 1,988 |
| Net interest margin | 6.5593% | 47 |
| Noninterest income to average assets | 1.5558% | 376 |
| Noninterest expense to average assets | 4.1407% | 449 |
| Loan and lease loss provision to assets | 1.2268% | 71 |
| Net operating income to assets | 1.5953% | 943 |
| Return on assets (ROA) | 1.5970% | 984 |
| Pretax return on assets | 2.0884% | 565 |
| Return on Equity (ROE) | 15.3050% | 715 |
| Retained earnings to average equity (ytd only) | 8.1134% | 1,346 |
| Net charge-offs to loans | 1.9626% | 59 |
| Credit loss provision to net charge-offs | 85.4278% | 2,442 |
| Earnings coverage of net charge-offs (x) | 2.3070% | 3,208 |
| Efficiency ratio | 55.2754% | 4,246 |
| Assets per employee ($millions) | 4.7603% | 2,839 |
| Cash dividends to net income (ytd only)* | 46.9886% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3020% | 284 |
| Loan loss allowance to noncurrent loans | 326.9342% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 2,421 |
| Noncurrent loans to loans | 0.7041% | 2,196 |
| Net loans and leases to total assets | 70.7798% | 2,359 |
| Net loans and leases to deposits | 86.0007% | 2,186 |
| Net loans and leases to core deposits | 92.5460% | 2,312 |
| Total domestic deposits to total assets | 82.3014% | 3,385 |
| Equity capital to assets | 10.7196% | 3,363 |
| Core capital (leverage) ratio | 10.4479% | 3,147 |
| Tier 1 risk-based capital ratio | 11.7007% | 4,569 |
| Total risk-based capital ratio | 13.0143% | 4,434 |
| Memoranda: | ||
| Average total assets | $21,674,806,250 | 81 |
| Average earning assets | $19,489,365,250 | 80 |
| Average equity | $2,261,598,500 | 93 |
| Average total loans | $15,859,479,750 | 76 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4993% | 54 |
| Cost of funding earning assets | 0.9647% | 1,845 |
| Net interest margin | 6.5346% | 48 |
| Noninterest income to average assets | 1.4725% | 415 |
| Noninterest expense to average assets | 4.0863% | 483 |
| Loan and lease loss provision to assets | 1.1214% | 85 |
| Net operating income to assets | 1.6405% | 834 |
| Return on assets (ROA) | 1.6417% | 867 |
| Pretax return on assets | 2.1455% | 503 |
| Return on Equity (ROE) | 15.8827% | 608 |
| Retained earnings to average equity (ytd only) | 9.0547% | 1,020 |
| Net charge-offs to loans | 1.9359% | 56 |
| Credit loss provision to net charge-offs | 78.8990% | 2,232 |
| Earnings coverage of net charge-offs (x) | 2.2974% | 2,952 |
| Efficiency ratio | 55.2940% | 4,338 |
| Assets per employee ($millions) | 4.5450% | 3,070 |
| Cash dividends to net income (ytd only)* | 42.9899% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3470% | 276 |
| Loan loss allowance to noncurrent loans | 335.5764% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 2,399 |
| Noncurrent loans to loans | 0.6994% | 2,227 |
| Net loans and leases to total assets | 72.1490% | 2,194 |
| Net loans and leases to deposits | 85.9897% | 2,256 |
| Net loans and leases to core deposits | 95.1093% | 2,143 |
| Total domestic deposits to total assets | 83.9042% | 2,908 |
| Equity capital to assets | 10.8487% | 3,227 |
| Core capital (leverage) ratio | 10.2941% | 3,294 |
| Tier 1 risk-based capital ratio | 11.7495% | 4,542 |
| Total risk-based capital ratio | 13.0649% | 4,411 |
| Memoranda: | ||
| Average total assets | $21,532,376,000 | 82 |
| Average earning assets | $19,372,578,330 | 81 |
| Average equity | $2,225,709,000 | 93 |
| Average total loans | $15,808,498,330 | 75 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4942% | 56 |
| Cost of funding earning assets | 0.9487% | 1,800 |
| Net interest margin | 6.5454% | 50 |
| Noninterest income to average assets | 1.3304% | 483 |
| Noninterest expense to average assets | 3.9826% | 554 |
| Loan and lease loss provision to assets | 1.2036% | 70 |
| Net operating income to assets | 1.5282% | 1,055 |
| Return on assets (ROA) | 1.5314% | 1,071 |
| Pretax return on assets | 2.0000% | 642 |
| Return on Equity (ROE) | 15.1872% | 713 |
| Retained earnings to average equity (ytd only) | 8.2162% | 1,589 |
| Net charge-offs to loans | 1.6431% | 71 |
| Credit loss provision to net charge-offs | 100.0877% | 1,573 |
| Earnings coverage of net charge-offs (x) | 2.6606% | 2,474 |
| Efficiency ratio | 55.1533% | 4,418 |
| Assets per employee ($millions) | 4.5845% | 3,067 |
| Cash dividends to net income (ytd only)* | 45.9002% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5655% | 228 |
| Loan loss allowance to noncurrent loans | 348.1627% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 2,421 |
| Noncurrent loans to loans | 0.7369% | 2,181 |
| Net loans and leases to total assets | 70.6147% | 2,387 |
| Net loans and leases to deposits | 84.7981% | 2,286 |
| Net loans and leases to core deposits | 94.6011% | 2,071 |
| Total domestic deposits to total assets | 83.2739% | 3,293 |
| Equity capital to assets | 10.2562% | 3,567 |
| Core capital (leverage) ratio | 10.0910% | 3,500 |
| Tier 1 risk-based capital ratio | 11.4601% | 4,764 |
| Total risk-based capital ratio | 12.7778% | 4,622 |
| Memoranda: | ||
| Average total assets | $21,620,050,000 | 82 |
| Average earning assets | $19,329,016,000 | 81 |
| Average equity | $2,180,079,000 | 95 |
| Average total loans | $15,823,136,500 | 76 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3849% | 58 |
| Cost of funding earning assets | 0.6856% | 2,175 |
| Net interest margin | 6.6993% | 44 |
| Noninterest income to average assets | 1.7046% | 332 |
| Noninterest expense to average assets | 4.3501% | 350 |
| Loan and lease loss provision to assets | 1.5957% | 40 |
| Net operating income to assets | 1.3996% | 1,435 |
| Return on assets (ROA) | 1.3957% | 1,440 |
| Pretax return on assets | 1.7958% | 935 |
| Return on Equity (ROE) | 14.1374% | 1,016 |
| Retained earnings to average equity (ytd only) | 8.6953% | 981 |
| Net charge-offs to loans | 2.0677% | 50 |
| Credit loss provision to net charge-offs | 103.1338% | 2,455 |
| Earnings coverage of net charge-offs (x) | 2.1952% | 3,550 |
| Efficiency ratio | 55.8001% | 4,433 |
| Assets per employee ($millions) | 4.5630% | 3,069 |
| Cash dividends to net income (ytd only)* | 38.4945% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5242% | 227 |
| Loan loss allowance to noncurrent loans | 331.6182% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6124% | 2,207 |
| Noncurrent loans to loans | 0.7612% | 2,099 |
| Net loans and leases to total assets | 72.0376% | 2,250 |
| Net loans and leases to deposits | 87.3286% | 2,133 |
| Net loans and leases to core deposits | 96.9333% | 1,971 |
| Total domestic deposits to total assets | 82.4903% | 3,487 |
| Equity capital to assets | 9.9104% | 3,755 |
| Core capital (leverage) ratio | 10.0617% | 3,507 |
| Tier 1 risk-based capital ratio | 11.0643% | 4,946 |
| Total risk-based capital ratio | 12.3808% | 4,810 |
| Memoranda: | ||
| Average total assets | $20,478,055,000 | 84 |
| Average earning assets | $18,468,939,800 | 83 |
| Average equity | $2,021,659,200 | 95 |
| Average total loans | $15,323,201,000 | 77 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3142% | 55 |
| Cost of funding earning assets | 0.6190% | 2,346 |
| Net interest margin | 6.6952% | 44 |
| Noninterest income to average assets | 1.7689% | 334 |
| Noninterest expense to average assets | 4.3952% | 321 |
| Loan and lease loss provision to assets | 1.5812% | 42 |
| Net operating income to assets | 1.4473% | 1,335 |
| Return on assets (ROA) | 1.4432% | 1,352 |
| Pretax return on assets | 1.8449% | 917 |
| Return on Equity (ROE) | 14.6342% | 954 |
| Retained earnings to average equity (ytd only) | 9.2792% | 1,124 |
| Net charge-offs to loans | 2.0726% | 44 |
| Credit loss provision to net charge-offs | 101.6237% | 2,234 |
| Earnings coverage of net charge-offs (x) | 2.2053% | 3,268 |
| Efficiency ratio | 55.7870% | 4,409 |
| Assets per employee ($millions) | 4.3742% | 3,318 |
| Cash dividends to net income (ytd only)* | 36.5923% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5686% | 220 |
| Loan loss allowance to noncurrent loans | 372.4801% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.5796% | 2,438 |
| Noncurrent loans to loans | 0.6896% | 2,353 |
| Net loans and leases to total assets | 73.6463% | 2,051 |
| Net loans and leases to deposits | 88.5104% | 2,084 |
| Net loans and leases to core deposits | 97.0816% | 2,015 |
| Total domestic deposits to total assets | 83.2064% | 3,230 |
| Equity capital to assets | 10.0439% | 3,593 |
| Core capital (leverage) ratio | 10.1304% | 3,490 |
| Tier 1 risk-based capital ratio | 11.1555% | 4,968 |
| Total risk-based capital ratio | 12.5284% | 4,804 |
| Memoranda: | ||
| Average total assets | $20,201,847,500 | 85 |
| Average earning assets | $18,278,118,250 | 83 |
| Average equity | $1,992,338,000 | 94 |
| Average total loans | $15,166,396,500 | 77 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1846% | 57 |
| Cost of funding earning assets | 0.5580% | 2,534 |
| Net interest margin | 6.6266% | 44 |
| Noninterest income to average assets | 1.7793% | 327 |
| Noninterest expense to average assets | 4.4242% | 318 |
| Loan and lease loss provision to assets | 1.7448% | 40 |
| Net operating income to assets | 1.2316% | 2,055 |
| Return on assets (ROA) | 1.2302% | 2,055 |
| Pretax return on assets | 1.6034% | 1,493 |
| Return on Equity (ROE) | 12.5525% | 1,523 |
| Retained earnings to average equity (ytd only) | 7.4816% | 1,850 |
| Net charge-offs to loans | 2.1233% | 45 |
| Credit loss provision to net charge-offs | 109.7093% | 1,898 |
| Earnings coverage of net charge-offs (x) | 2.1064% | 2,997 |
| Efficiency ratio | 56.5229% | 4,414 |
| Assets per employee ($millions) | 4.3143% | 3,405 |
| Cash dividends to net income (ytd only)* | 40.3971% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6777% | 203 |
| Loan loss allowance to noncurrent loans | 365.1776% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 0.5933% | 2,445 |
| Noncurrent loans to loans | 0.7333% | 2,276 |
| Net loans and leases to total assets | 73.5641% | 2,020 |
| Net loans and leases to deposits | 88.0539% | 2,111 |
| Net loans and leases to core deposits | 96.3617% | 2,029 |
| Total domestic deposits to total assets | 83.5444% | 3,239 |
| Equity capital to assets | 9.9081% | 3,716 |
| Core capital (leverage) ratio | 9.9614% | 3,619 |
| Tier 1 risk-based capital ratio | 10.9347% | 5,090 |
| Total risk-based capital ratio | 12.3100% | 4,916 |
| Memoranda: | ||
| Average total assets | $20,128,124,670 | 85 |
| Average earning assets | $18,209,028,000 | 83 |
| Average equity | $1,972,696,670 | 96 |
| Average total loans | $15,076,090,000 | 77 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0909% | 55 |
| Cost of funding earning assets | 0.5060% | 2,751 |
| Net interest margin | 6.5849% | 42 |
| Noninterest income to average assets | 1.7313% | 332 |
| Noninterest expense to average assets | 4.2409% | 383 |
| Loan and lease loss provision to assets | 1.8932% | 37 |
| Net operating income to assets | 1.1917% | 2,044 |
| Return on assets (ROA) | 1.1890% | 2,068 |
| Pretax return on assets | 1.5471% | 1,538 |
| Return on Equity (ROE) | 12.1991% | 1,508 |
| Retained earnings to average equity (ytd only) | 7.0950% | 2,239 |
| Net charge-offs to loans | 2.1452% | 54 |
| Credit loss provision to net charge-offs | 118.3709% | 1,392 |
| Earnings coverage of net charge-offs (x) | 2.1532% | 2,487 |
| Efficiency ratio | 54.7795% | 4,709 |
| Assets per employee ($millions) | 4.1740% | 3,693 |
| Cash dividends to net income (ytd only)* | 41.8397% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7366% | 201 |
| Loan loss allowance to noncurrent loans | 351.7516% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 2,455 |
| Noncurrent loans to loans | 0.7780% | 2,257 |
| Net loans and leases to total assets | 72.9061% | 2,038 |
| Net loans and leases to deposits | 85.8982% | 2,176 |
| Net loans and leases to core deposits | 94.8244% | 2,072 |
| Total domestic deposits to total assets | 84.8749% | 2,983 |
| Equity capital to assets | 9.9038% | 3,696 |
| Core capital (leverage) ratio | 9.8534% | 3,708 |
| Tier 1 risk-based capital ratio | 10.9857% | 5,136 |
| Total risk-based capital ratio | 12.3645% | 4,975 |
| Memoranda: | ||
| Average total assets | $20,107,500,000 | 86 |
| Average earning assets | $18,178,930,500 | 85 |
| Average equity | $1,959,847,500 | 96 |
| Average total loans | $14,991,309,000 | 78 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8627% | 57 |
| Cost of funding earning assets | 0.4178% | 3,069 |
| Net interest margin | 6.4449% | 51 |
| Noninterest income to average assets | 1.8151% | 342 |
| Noninterest expense to average assets | 4.3394% | 360 |
| Loan and lease loss provision to assets | 1.7753% | 43 |
| Net operating income to assets | 0.6575% | 3,789 |
| Return on assets (ROA) | 0.6587% | 3,826 |
| Pretax return on assets | 1.4680% | 1,751 |
| Return on Equity (ROE) | 6.5317% | 3,514 |
| Retained earnings to average equity (ytd only) | 1.9476% | 4,157 |
| Net charge-offs to loans | 1.9489% | 72 |
| Credit loss provision to net charge-offs | 123.1808% | 2,122 |
| Earnings coverage of net charge-offs (x) | 2.2491% | 3,776 |
| Efficiency ratio | 56.7486% | 4,688 |
| Assets per employee ($millions) | 4.3672% | 3,379 |
| Cash dividends to net income (ytd only)* | 70.1831% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6018% | 218 |
| Loan loss allowance to noncurrent loans | 353.0070% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 2,609 |
| Noncurrent loans to loans | 0.7370% | 2,364 |
| Net loans and leases to total assets | 72.2343% | 2,194 |
| Net loans and leases to deposits | 87.1179% | 2,115 |
| Net loans and leases to core deposits | 96.4122% | 1,994 |
| Total domestic deposits to total assets | 82.9156% | 3,590 |
| Equity capital to assets | 9.5936% | 4,148 |
| Core capital (leverage) ratio | 9.7016% | 3,814 |
| Tier 1 risk-based capital ratio | 10.4425% | 5,387 |
| Total risk-based capital ratio | 11.8175% | 5,249 |
| Memoranda: | ||
| Average total assets | $19,470,219,200 | 85 |
| Average earning assets | $17,418,396,400 | 84 |
| Average equity | $1,963,431,200 | 92 |
| Average total loans | $14,398,692,800 | 76 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8039% | 61 |
| Cost of funding earning assets | 0.4053% | 3,133 |
| Net interest margin | 6.3987% | 52 |
| Noninterest income to average assets | 1.8082% | 361 |
| Noninterest expense to average assets | 4.3247% | 361 |
| Loan and lease loss provision to assets | 1.7790% | 47 |
| Net operating income to assets | 0.9099% | 2,979 |
| Return on assets (ROA) | 0.9114% | 3,028 |
| Pretax return on assets | 1.4289% | 2,021 |
| Return on Equity (ROE) | 8.9232% | 2,648 |
| Retained earnings to average equity (ytd only) | 4.3456% | 3,324 |
| Net charge-offs to loans | 1.8898% | 78 |
| Credit loss provision to net charge-offs | 127.3899% | 1,918 |
| Earnings coverage of net charge-offs (x) | 2.2954% | 3,483 |
| Efficiency ratio | 56.9151% | 4,622 |
| Assets per employee ($millions) | 4.1659% | 3,712 |
| Cash dividends to net income (ytd only)* | 51.2999% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6356% | 226 |
| Loan loss allowance to noncurrent loans | 326.5666% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.6434% | 2,571 |
| Noncurrent loans to loans | 0.8071% | 2,346 |
| Net loans and leases to total assets | 73.1245% | 2,076 |
| Net loans and leases to deposits | 86.8790% | 2,198 |
| Net loans and leases to core deposits | 95.8800% | 2,087 |
| Total domestic deposits to total assets | 84.1682% | 3,059 |
| Equity capital to assets | 10.3538% | 3,532 |
| Core capital (leverage) ratio | 9.8304% | 3,783 |
| Tier 1 risk-based capital ratio | 10.9869% | 5,254 |
| Total risk-based capital ratio | 12.4239% | 5,046 |
| Memoranda: | ||
| Average total assets | $19,250,005,500 | 85 |
| Average earning assets | $17,214,672,000 | 83 |
| Average equity | $1,966,187,750 | 90 |
| Average total loans | $14,225,079,000 | 76 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6425% | 67 |
| Cost of funding earning assets | 0.3750% | 3,340 |
| Net interest margin | 6.2675% | 59 |
| Noninterest income to average assets | 1.8254% | 366 |
| Noninterest expense to average assets | 4.2990% | 374 |
| Loan and lease loss provision to assets | 1.7357% | 52 |
| Net operating income to assets | 0.8831% | 3,002 |
| Return on assets (ROA) | 0.8851% | 3,048 |
| Pretax return on assets | 1.3839% | 2,080 |
| Return on Equity (ROE) | 8.7060% | 2,662 |
| Retained earnings to average equity (ytd only) | 4.0998% | 3,267 |
| Net charge-offs to loans | 1.8626% | 93 |
| Credit loss provision to net charge-offs | 126.7968% | 1,711 |
| Earnings coverage of net charge-offs (x) | 2.2767% | 3,180 |
| Efficiency ratio | 57.4397% | 4,660 |
| Assets per employee ($millions) | 4.1821% | 3,658 |
| Cash dividends to net income (ytd only)* | 52.9080% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5122% | 280 |
| Loan loss allowance to noncurrent loans | 373.0282% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5475% | 2,938 |
| Noncurrent loans to loans | 0.6735% | 2,734 |
| Net loans and leases to total assets | 72.1490% | 2,179 |
| Net loans and leases to deposits | 87.1449% | 2,085 |
| Net loans and leases to core deposits | 95.2793% | 2,043 |
| Total domestic deposits to total assets | 82.7919% | 3,631 |
| Equity capital to assets | 10.1474% | 3,743 |
| Core capital (leverage) ratio | 9.9193% | 3,635 |
| Tier 1 risk-based capital ratio | 10.6935% | 5,380 |
| Total risk-based capital ratio | 12.1259% | 5,231 |
| Memoranda: | ||
| Average total assets | $19,219,224,330 | 83 |
| Average earning assets | $17,141,746,670 | 83 |
| Average equity | $1,954,024,670 | 90 |
| Average total loans | $14,124,482,000 | 76 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5546% | 79 |
| Cost of funding earning assets | 0.3537% | 3,486 |
| Net interest margin | 6.2009% | 64 |
| Noninterest income to average assets | 1.8171% | 359 |
| Noninterest expense to average assets | 4.4484% | 347 |
| Loan and lease loss provision to assets | 1.6937% | 47 |
| Net operating income to assets | 0.7774% | 3,325 |
| Return on assets (ROA) | 0.7774% | 3,384 |
| Pretax return on assets | 1.2135% | 2,537 |
| Return on Equity (ROE) | 7.6391% | 3,097 |
| Retained earnings to average equity (ytd only) | 3.0013% | 3,909 |
| Net charge-offs to loans | 1.8087% | 85 |
| Credit loss provision to net charge-offs | 127.8784% | 1,331 |
| Earnings coverage of net charge-offs (x) | 2.1950% | 2,626 |
| Efficiency ratio | 59.9291% | 4,457 |
| Assets per employee ($millions) | 4.0347% | 3,952 |
| Cash dividends to net income (ytd only)* | 60.7112% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4807% | 317 |
| Loan loss allowance to noncurrent loans | 318.0798% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6200% | 2,774 |
| Noncurrent loans to loans | 0.7799% | 2,512 |
| Net loans and leases to total assets | 70.6834% | 2,263 |
| Net loans and leases to deposits | 82.2761% | 2,466 |
| Net loans and leases to core deposits | 89.2988% | 2,419 |
| Total domestic deposits to total assets | 85.9100% | 2,708 |
| Equity capital to assets | 10.1490% | 3,571 |
| Core capital (leverage) ratio | 9.9990% | 3,498 |
| Tier 1 risk-based capital ratio | 10.9039% | 5,360 |
| Total risk-based capital ratio | 12.3413% | 5,163 |
| Memoranda: | ||
| Average total assets | $19,069,797,000 | 82 |
| Average earning assets | $17,032,433,500 | 83 |
| Average equity | $1,940,748,000 | 86 |
| Average total loans | $13,964,230,500 | 76 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4450% | 71 |
| Cost of funding earning assets | 0.3624% | 3,390 |
| Net interest margin | 6.0826% | 64 |
| Noninterest income to average assets | 2.4110% | 264 |
| Noninterest expense to average assets | 4.5999% | 346 |
| Loan and lease loss provision to assets | 1.4442% | 64 |
| Net operating income to assets | 1.1441% | 1,716 |
| Return on assets (ROA) | 1.1466% | 1,799 |
| Pretax return on assets | 1.8080% | 789 |
| Return on Equity (ROE) | 11.2758% | 1,479 |
| Retained earnings to average equity (ytd only) | 6.5121% | 1,453 |
| Net charge-offs to loans | 1.5517% | 91 |
| Credit loss provision to net charge-offs | 126.8448% | 2,106 |
| Earnings coverage of net charge-offs (x) | 2.8529% | 3,762 |
| Efficiency ratio | 58.0151% | 4,848 |
| Assets per employee ($millions) | 3.9828% | 3,996 |
| Cash dividends to net income (ytd only)* | 42.2469% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3385% | 380 |
| Loan loss allowance to noncurrent loans | 346.9776% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 3,074 |
| Noncurrent loans to loans | 0.6740% | 2,850 |
| Net loans and leases to total assets | 72.2527% | 2,132 |
| Net loans and leases to deposits | 84.8596% | 2,322 |
| Net loans and leases to core deposits | 92.3374% | 2,266 |
| Total domestic deposits to total assets | 85.1438% | 2,982 |
| Equity capital to assets | 10.2055% | 3,486 |
| Core capital (leverage) ratio | 10.0371% | 3,440 |
| Tier 1 risk-based capital ratio | 10.7678% | 5,456 |
| Total risk-based capital ratio | 12.2025% | 5,260 |
| Memoranda: | ||
| Average total assets | $18,580,367,000 | 80 |
| Average earning assets | $16,608,290,400 | 81 |
| Average equity | $1,889,443,800 | 82 |
| Average total loans | $13,632,946,400 | 76 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4172% | 76 |
| Cost of funding earning assets | 0.3644% | 3,393 |
| Net interest margin | 6.0528% | 67 |
| Noninterest income to average assets | 2.5946% | 247 |
| Noninterest expense to average assets | 4.6052% | 348 |
| Loan and lease loss provision to assets | 1.3862% | 66 |
| Net operating income to assets | 1.2742% | 1,368 |
| Return on assets (ROA) | 1.2761% | 1,464 |
| Pretax return on assets | 2.0236% | 541 |
| Return on Equity (ROE) | 12.5605% | 1,156 |
| Retained earnings to average equity (ytd only) | 7.7695% | 1,269 |
| Net charge-offs to loans | 1.5385% | 84 |
| Credit loss provision to net charge-offs | 123.0622% | 2,054 |
| Earnings coverage of net charge-offs (x) | 3.0245% | 3,477 |
| Efficiency ratio | 56.8756% | 4,972 |
| Assets per employee ($millions) | 3.9208% | 4,095 |
| Cash dividends to net income (ytd only)* | 38.1434% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2624% | 461 |
| Loan loss allowance to noncurrent loans | 352.5608% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5285% | 3,342 |
| Noncurrent loans to loans | 0.6417% | 3,096 |
| Net loans and leases to total assets | 71.3059% | 2,295 |
| Net loans and leases to deposits | 85.6642% | 2,296 |
| Net loans and leases to core deposits | 92.4011% | 2,339 |
| Total domestic deposits to total assets | 83.2388% | 3,501 |
| Equity capital to assets | 10.5087% | 3,554 |
| Core capital (leverage) ratio | 9.8420% | 3,762 |
| Tier 1 risk-based capital ratio | 10.9162% | 5,413 |
| Total risk-based capital ratio | 12.4134% | 5,188 |
| Memoranda: | ||
| Average total assets | $18,490,871,250 | 81 |
| Average earning assets | $16,550,055,250 | 81 |
| Average equity | $1,878,615,750 | 82 |
| Average total loans | $13,538,403,000 | 76 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3129% | 88 |
| Cost of funding earning assets | 0.3468% | 3,605 |
| Net interest margin | 5.9661% | 72 |
| Noninterest income to average assets | 1.9207% | 356 |
| Noninterest expense to average assets | 4.6111% | 344 |
| Loan and lease loss provision to assets | 1.3819% | 68 |
| Net operating income to assets | 0.8056% | 3,286 |
| Return on assets (ROA) | 0.8084% | 3,403 |
| Pretax return on assets | 1.2917% | 2,441 |
| Return on Equity (ROE) | 8.0502% | 2,957 |
| Retained earnings to average equity (ytd only) | 3.1943% | 3,866 |
| Net charge-offs to loans | 1.5268% | 93 |
| Credit loss provision to net charge-offs | 123.4674% | 1,820 |
| Earnings coverage of net charge-offs (x) | 2.3848% | 3,281 |
| Efficiency ratio | 62.6609% | 4,240 |
| Assets per employee ($millions) | 3.9858% | 3,936 |
| Cash dividends to net income (ytd only)* | 60.3201% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1341% | 591 |
| Loan loss allowance to noncurrent loans | 329.9604% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 3,398 |
| Noncurrent loans to loans | 0.6468% | 3,137 |
| Net loans and leases to total assets | 72.3959% | 2,107 |
| Net loans and leases to deposits | 88.9266% | 1,876 |
| Net loans and leases to core deposits | 94.0177% | 2,170 |
| Total domestic deposits to total assets | 81.4108% | 4,161 |
| Equity capital to assets | 10.0580% | 4,155 |
| Core capital (leverage) ratio | 9.5556% | 4,125 |
| Tier 1 risk-based capital ratio | 10.5081% | 5,668 |
| Total risk-based capital ratio | 12.0064% | 5,465 |
| Memoranda: | ||
| Average total assets | $18,457,063,000 | 82 |
| Average earning assets | $16,580,591,330 | 82 |
| Average equity | $1,853,548,670 | 82 |
| Average total loans | $13,529,776,670 | 75 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3189% | 90 |
| Cost of funding earning assets | 0.3405% | 3,713 |
| Net interest margin | 5.9784% | 71 |
| Noninterest income to average assets | 1.8390% | 383 |
| Noninterest expense to average assets | 4.5311% | 384 |
| Loan and lease loss provision to assets | 1.2210% | 75 |
| Net operating income to assets | 0.9334% | 2,590 |
| Return on assets (ROA) | 0.9392% | 2,675 |
| Pretax return on assets | 1.4543% | 1,736 |
| Return on Equity (ROE) | 9.3600% | 2,260 |
| Retained earnings to average equity (ytd only) | 4.4694% | 3,249 |
| Net charge-offs to loans | 1.5247% | 120 |
| Credit loss provision to net charge-offs | 109.7532% | 1,521 |
| Earnings coverage of net charge-offs (x) | 2.3967% | 2,685 |
| Efficiency ratio | 62.2593% | 4,415 |
| Assets per employee ($millions) | 3.9187% | 4,091 |
| Cash dividends to net income (ytd only)* | 52.2500% | 1,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0726% | 724 |
| Loan loss allowance to noncurrent loans | 321.1262% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 3,467 |
| Noncurrent loans to loans | 0.6454% | 3,235 |
| Net loans and leases to total assets | 70.7327% | 2,230 |
| Net loans and leases to deposits | 85.4804% | 2,127 |
| Net loans and leases to core deposits | 90.7406% | 2,301 |
| Total domestic deposits to total assets | 82.7473% | 3,987 |
| Equity capital to assets | 10.1048% | 3,943 |
| Core capital (leverage) ratio | 9.6548% | 3,962 |
| Tier 1 risk-based capital ratio | 10.7492% | 5,642 |
| Total risk-based capital ratio | 12.2536% | 5,411 |
| Memoranda: | ||
| Average total assets | $18,340,881,500 | 83 |
| Average earning assets | $16,438,880,500 | 83 |
| Average equity | $1,840,435,000 | 83 |
| Average total loans | $13,381,955,000 | 75 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2509% | 101 |
| Cost of funding earning assets | 0.2751% | 4,535 |
| Net interest margin | 5.9758% | 73 |
| Noninterest income to average assets | 1.9897% | 362 |
| Noninterest expense to average assets | 4.6146% | 379 |
| Loan and lease loss provision to assets | 1.0129% | 84 |
| Net operating income to assets | 1.0895% | 1,971 |
| Return on assets (ROA) | 1.0913% | 2,030 |
| Pretax return on assets | 1.7021% | 992 |
| Return on Equity (ROE) | 10.7426% | 1,713 |
| Retained earnings to average equity (ytd only) | 5.2833% | 2,219 |
| Net charge-offs to loans | 1.4248% | 115 |
| Credit loss provision to net charge-offs | 97.5991% | 2,604 |
| Earnings coverage of net charge-offs (x) | 2.6135% | 3,865 |
| Efficiency ratio | 62.2550% | 4,560 |
| Assets per employee ($millions) | 3.9193% | 4,085 |
| Cash dividends to net income (ytd only)* | 50.8189% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0122% | 785 |
| Loan loss allowance to noncurrent loans | 315.3883% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 3,441 |
| Noncurrent loans to loans | 0.6380% | 3,275 |
| Net loans and leases to total assets | 72.2186% | 2,012 |
| Net loans and leases to deposits | 87.2369% | 1,970 |
| Net loans and leases to core deposits | 92.5572% | 2,171 |
| Total domestic deposits to total assets | 82.7844% | 3,913 |
| Equity capital to assets | 9.9638% | 4,002 |
| Core capital (leverage) ratio | 9.7362% | 3,855 |
| Tier 1 risk-based capital ratio | 10.5577% | 5,749 |
| Total risk-based capital ratio | 12.0168% | 5,557 |
| Memoranda: | ||
| Average total assets | $17,578,850,200 | 81 |
| Average earning assets | $15,700,083,600 | 83 |
| Average equity | $1,785,724,200 | 86 |
| Average total loans | $12,804,456,800 | 73 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2246% | 103 |
| Cost of funding earning assets | 0.2686% | 4,679 |
| Net interest margin | 5.9561% | 75 |
| Noninterest income to average assets | 1.9800% | 365 |
| Noninterest expense to average assets | 4.6262% | 377 |
| Loan and lease loss provision to assets | 1.0170% | 65 |
| Net operating income to assets | 1.0631% | 2,158 |
| Return on assets (ROA) | 1.0655% | 2,240 |
| Pretax return on assets | 1.6640% | 1,205 |
| Return on Equity (ROE) | 10.4365% | 1,924 |
| Retained earnings to average equity (ytd only) | 4.6783% | 3,143 |
| Net charge-offs to loans | 1.4850% | 97 |
| Credit loss provision to net charge-offs | 94.3156% | 2,406 |
| Earnings coverage of net charge-offs (x) | 2.4828% | 3,667 |
| Efficiency ratio | 62.6146% | 4,474 |
| Assets per employee ($millions) | 3.8702% | 4,137 |
| Cash dividends to net income (ytd only)* | 55.1739% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0737% | 818 |
| Loan loss allowance to noncurrent loans | 313.0134% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 3,593 |
| Noncurrent loans to loans | 0.6625% | 3,346 |
| Net loans and leases to total assets | 71.5573% | 2,130 |
| Net loans and leases to deposits | 87.1463% | 2,006 |
| Net loans and leases to core deposits | 92.5872% | 2,207 |
| Total domestic deposits to total assets | 82.1116% | 4,127 |
| Equity capital to assets | 10.2848% | 3,836 |
| Core capital (leverage) ratio | 9.7038% | 4,030 |
| Tier 1 risk-based capital ratio | 10.7628% | 5,772 |
| Total risk-based capital ratio | 12.2944% | 5,531 |
| Memoranda: | ||
| Average total assets | $17,408,556,500 | 82 |
| Average earning assets | $15,559,332,750 | 84 |
| Average equity | $1,777,305,750 | 87 |
| Average total loans | $12,641,087,000 | 73 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1542% | 112 |
| Cost of funding earning assets | 0.2654% | 4,766 |
| Net interest margin | 5.8888% | 81 |
| Noninterest income to average assets | 1.9896% | 376 |
| Noninterest expense to average assets | 4.4303% | 449 |
| Loan and lease loss provision to assets | 0.9750% | 73 |
| Net operating income to assets | 1.1783% | 1,674 |
| Return on assets (ROA) | 1.1819% | 1,727 |
| Pretax return on assets | 1.8371% | 833 |
| Return on Equity (ROE) | 11.6056% | 1,497 |
| Retained earnings to average equity (ytd only) | 6.0584% | 2,208 |
| Net charge-offs to loans | 1.5570% | 112 |
| Credit loss provision to net charge-offs | 86.4195% | 2,254 |
| Earnings coverage of net charge-offs (x) | 2.4875% | 3,333 |
| Efficiency ratio | 60.5236% | 4,908 |
| Assets per employee ($millions) | 3.8660% | 4,134 |
| Cash dividends to net income (ytd only)* | 47.7976% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0616% | 899 |
| Loan loss allowance to noncurrent loans | 285.3193% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 3,550 |
| Noncurrent loans to loans | 0.7225% | 3,316 |
| Net loans and leases to total assets | 70.9367% | 2,170 |
| Net loans and leases to deposits | 86.6564% | 1,985 |
| Net loans and leases to core deposits | 91.0442% | 2,237 |
| Total domestic deposits to total assets | 81.8597% | 4,344 |
| Equity capital to assets | 10.2472% | 3,753 |
| Core capital (leverage) ratio | 9.8634% | 3,784 |
| Tier 1 risk-based capital ratio | 10.7842% | 5,812 |
| Total risk-based capital ratio | 12.3208% | 5,598 |
| Memoranda: | ||
| Average total assets | $17,333,862,670 | 80 |
| Average earning assets | $15,445,183,330 | 84 |
| Average equity | $1,765,249,670 | 90 |
| Average total loans | $12,559,909,000 | 76 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1495% | 110 |
| Cost of funding earning assets | 0.2625% | 4,874 |
| Net interest margin | 5.8870% | 79 |
| Noninterest income to average assets | 1.7971% | 419 |
| Noninterest expense to average assets | 4.3884% | 462 |
| Loan and lease loss provision to assets | 0.9464% | 91 |
| Net operating income to assets | 1.0945% | 1,889 |
| Return on assets (ROA) | 1.0945% | 1,999 |
| Pretax return on assets | 1.6968% | 1,055 |
| Return on Equity (ROE) | 10.7812% | 1,702 |
| Retained earnings to average equity (ytd only) | 4.3169% | 3,422 |
| Net charge-offs to loans | 1.3800% | 146 |
| Credit loss provision to net charge-offs | 94.6313% | 1,712 |
| Earnings coverage of net charge-offs (x) | 2.6429% | 2,722 |
| Efficiency ratio | 61.6786% | 4,848 |
| Assets per employee ($millions) | 3.8099% | 4,318 |
| Cash dividends to net income (ytd only)* | 59.9584% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1968% | 809 |
| Loan loss allowance to noncurrent loans | 290.5490% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6481% | 3,564 |
| Noncurrent loans to loans | 0.7561% | 3,366 |
| Net loans and leases to total assets | 71.1124% | 1,964 |
| Net loans and leases to deposits | 83.8519% | 2,101 |
| Net loans and leases to core deposits | 88.0568% | 2,328 |
| Total domestic deposits to total assets | 84.8072% | 3,505 |
| Equity capital to assets | 10.3405% | 3,734 |
| Core capital (leverage) ratio | 9.8480% | 3,823 |
| Tier 1 risk-based capital ratio | 10.8467% | 5,880 |
| Total risk-based capital ratio | 12.3906% | 5,660 |
| Memoranda: | ||
| Average total assets | $17,230,799,500 | 82 |
| Average earning assets | $15,321,211,000 | 85 |
| Average equity | $1,749,198,500 | 90 |
| Average total loans | $12,487,767,000 | 75 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0897% | 138 |
| Cost of funding earning assets | 0.2977% | 4,818 |
| Net interest margin | 5.7920% | 95 |
| Noninterest income to average assets | 1.9994% | 342 |
| Noninterest expense to average assets | 4.3685% | 519 |
| Loan and lease loss provision to assets | 1.0039% | 110 |
| Net operating income to assets | 1.1211% | 1,900 |
| Return on assets (ROA) | 1.1212% | 1,957 |
| Pretax return on assets | 1.7302% | 922 |
| Return on Equity (ROE) | 11.1027% | 1,693 |
| Retained earnings to average equity (ytd only) | 5.5266% | 2,244 |
| Net charge-offs to loans | 1.4392% | 173 |
| Credit loss provision to net charge-offs | 97.6746% | 2,483 |
| Earnings coverage of net charge-offs (x) | 2.6599% | 4,097 |
| Efficiency ratio | 60.6930% | 5,116 |
| Assets per employee ($millions) | 3.8455% | 4,258 |
| Cash dividends to net income (ytd only)* | 50.2231% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1920% | 831 |
| Loan loss allowance to noncurrent loans | 292.4513% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 3,615 |
| Noncurrent loans to loans | 0.7495% | 3,452 |
| Net loans and leases to total assets | 70.6578% | 2,135 |
| Net loans and leases to deposits | 84.3994% | 2,166 |
| Net loans and leases to core deposits | 89.1122% | 2,371 |
| Total domestic deposits to total assets | 83.7184% | 3,829 |
| Equity capital to assets | 9.9659% | 4,155 |
| Core capital (leverage) ratio | 9.7561% | 3,896 |
| Tier 1 risk-based capital ratio | 11.3217% | 5,755 |
| Total risk-based capital ratio | 12.9271% | 5,468 |
| Memoranda: | ||
| Average total assets | $16,869,319,400 | 80 |
| Average earning assets | $14,862,464,200 | 82 |
| Average equity | $1,703,543,200 | 88 |
| Average total loans | $12,047,249,600 | 76 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0633% | 144 |
| Cost of funding earning assets | 0.3038% | 4,855 |
| Net interest margin | 5.7596% | 100 |
| Noninterest income to average assets | 1.9873% | 348 |
| Noninterest expense to average assets | 4.3731% | 521 |
| Loan and lease loss provision to assets | 1.1552% | 85 |
| Net operating income to assets | 0.9910% | 2,494 |
| Return on assets (ROA) | 0.9911% | 2,554 |
| Pretax return on assets | 1.5243% | 1,568 |
| Return on Equity (ROE) | 9.7807% | 2,321 |
| Retained earnings to average equity (ytd only) | 5.0171% | 3,066 |
| Net charge-offs to loans | 1.5116% | 159 |
| Credit loss provision to net charge-offs | 107.3282% | 2,074 |
| Earnings coverage of net charge-offs (x) | 2.4893% | 3,905 |
| Efficiency ratio | 61.1713% | 5,013 |
| Assets per employee ($millions) | 3.8590% | 4,169 |
| Cash dividends to net income (ytd only)* | 48.7039% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3917% | 745 |
| Loan loss allowance to noncurrent loans | 307.5624% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 3,773 |
| Noncurrent loans to loans | 0.7776% | 3,640 |
| Net loans and leases to total assets | 69.4121% | 2,283 |
| Net loans and leases to deposits | 81.3993% | 2,503 |
| Net loans and leases to core deposits | 87.5541% | 2,477 |
| Total domestic deposits to total assets | 85.2736% | 3,233 |
| Equity capital to assets | 10.2134% | 3,916 |
| Core capital (leverage) ratio | 9.6128% | 4,218 |
| Tier 1 risk-based capital ratio | 11.5914% | 5,746 |
| Total risk-based capital ratio | 13.2143% | 5,425 |
| Memoranda: | ||
| Average total assets | $16,742,153,000 | 81 |
| Average earning assets | $14,723,372,000 | 81 |
| Average equity | $1,696,461,250 | 89 |
| Average total loans | $11,920,539,250 | 75 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1232% | 132 |
| Cost of funding earning assets | 0.3233% | 4,719 |
| Net interest margin | 5.7999% | 95 |
| Noninterest income to average assets | 2.0221% | 336 |
| Noninterest expense to average assets | 4.5395% | 434 |
| Loan and lease loss provision to assets | 1.2985% | 71 |
| Net operating income to assets | 0.8159% | 3,252 |
| Return on assets (ROA) | 0.8158% | 3,352 |
| Pretax return on assets | 1.2572% | 2,425 |
| Return on Equity (ROE) | 8.0875% | 3,040 |
| Retained earnings to average equity (ytd only) | 3.8264% | 3,744 |
| Net charge-offs to loans | 1.6194% | 158 |
| Credit loss provision to net charge-offs | 112.5499% | 1,788 |
| Earnings coverage of net charge-offs (x) | 2.2152% | 3,605 |
| Efficiency ratio | 63.1081% | 4,840 |
| Assets per employee ($millions) | 3.7726% | 4,311 |
| Cash dividends to net income (ytd only)* | 52.6875% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4750% | 740 |
| Loan loss allowance to noncurrent loans | 280.5506% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 3,701 |
| Noncurrent loans to loans | 0.8822% | 3,493 |
| Net loans and leases to total assets | 69.3313% | 2,183 |
| Net loans and leases to deposits | 82.0113% | 2,248 |
| Net loans and leases to core deposits | 87.8878% | 2,324 |
| Total domestic deposits to total assets | 84.5387% | 3,706 |
| Equity capital to assets | 10.1452% | 3,908 |
| Core capital (leverage) ratio | 9.7466% | 3,970 |
| Tier 1 risk-based capital ratio | 11.4990% | 5,800 |
| Total risk-based capital ratio | 13.1330% | 5,527 |
| Memoranda: | ||
| Average total assets | $16,279,248,670 | 81 |
| Average earning assets | $14,239,119,000 | 83 |
| Average equity | $1,642,064,670 | 89 |
| Average total loans | $11,597,525,330 | 76 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1347% | 119 |
| Cost of funding earning assets | 0.3291% | 4,744 |
| Net interest margin | 5.8056% | 95 |
| Noninterest income to average assets | 1.9462% | 350 |
| Noninterest expense to average assets | 4.4670% | 470 |
| Loan and lease loss provision to assets | 1.2655% | 86 |
| Net operating income to assets | 0.8369% | 2,968 |
| Return on assets (ROA) | 0.8368% | 3,041 |
| Pretax return on assets | 1.2819% | 2,164 |
| Return on Equity (ROE) | 8.3203% | 2,784 |
| Retained earnings to average equity (ytd only) | 3.4128% | 4,086 |
| Net charge-offs to loans | 1.6721% | 180 |
| Credit loss provision to net charge-offs | 106.1224% | 1,581 |
| Earnings coverage of net charge-offs (x) | 2.1362% | 2,945 |
| Efficiency ratio | 62.7738% | 5,025 |
| Assets per employee ($millions) | 3.6983% | 4,522 |
| Cash dividends to net income (ytd only)* | 58.9830% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4471% | 863 |
| Loan loss allowance to noncurrent loans | 269.8861% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.7895% | 3,767 |
| Noncurrent loans to loans | 0.9067% | 3,614 |
| Net loans and leases to total assets | 68.7802% | 2,096 |
| Net loans and leases to deposits | 81.3270% | 2,126 |
| Net loans and leases to core deposits | 85.7691% | 2,349 |
| Total domestic deposits to total assets | 84.5724% | 4,055 |
| Equity capital to assets | 10.1114% | 3,709 |
| Core capital (leverage) ratio | 9.6754% | 4,028 |
| Tier 1 risk-based capital ratio | 11.5551% | 5,882 |
| Total risk-based capital ratio | 13.1948% | 5,609 |
| Memoranda: | ||
| Average total assets | $16,205,973,000 | 80 |
| Average earning assets | $14,147,786,000 | 84 |
| Average equity | $1,629,885,000 | 89 |
| Average total loans | $11,557,672,000 | 75 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4794% | 98 |
| Cost of funding earning assets | 0.3783% | 4,858 |
| Net interest margin | 6.1011% | 76 |
| Noninterest income to average assets | 2.3318% | 315 |
| Noninterest expense to average assets | 4.8578% | 387 |
| Loan and lease loss provision to assets | 1.1616% | 144 |
| Net operating income to assets | 1.0575% | 2,081 |
| Return on assets (ROA) | 1.0751% | 2,104 |
| Pretax return on assets | 1.6703% | 1,018 |
| Return on Equity (ROE) | 10.7428% | 1,846 |
| Retained earnings to average equity (ytd only) | 4.9474% | 2,627 |
| Net charge-offs to loans | 1.6966% | 255 |
| Credit loss provision to net charge-offs | 95.8020% | 2,609 |
| Earnings coverage of net charge-offs (x) | 2.3127% | 4,238 |
| Efficiency ratio | 62.3487% | 5,149 |
| Assets per employee ($millions) | 3.6170% | 4,639 |
| Cash dividends to net income (ytd only)* | 53.9471% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5356% | 793 |
| Loan loss allowance to noncurrent loans | 293.8492% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 3,889 |
| Noncurrent loans to loans | 0.8629% | 3,822 |
| Net loans and leases to total assets | 70.6727% | 1,904 |
| Net loans and leases to deposits | 85.5571% | 1,742 |
| Net loans and leases to core deposits | 90.6649% | 1,942 |
| Total domestic deposits to total assets | 82.6030% | 4,678 |
| Equity capital to assets | 10.3003% | 3,391 |
| Core capital (leverage) ratio | 9.9293% | 3,668 |
| Tier 1 risk-based capital ratio | 11.3385% | 6,003 |
| Total risk-based capital ratio | 13.0065% | 5,700 |
| Memoranda: | ||
| Average total assets | $14,225,337,000 | 83 |
| Average earning assets | $12,427,974,600 | 88 |
| Average equity | $1,423,621,000 | 101 |
| Average total loans | $10,166,240,800 | 78 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4393% | 98 |
| Cost of funding earning assets | 0.3734% | 5,060 |
| Net interest margin | 6.0659% | 79 |
| Noninterest income to average assets | 2.3260% | 327 |
| Noninterest expense to average assets | 4.8524% | 377 |
| Loan and lease loss provision to assets | 1.1709% | 123 |
| Net operating income to assets | 1.0353% | 2,241 |
| Return on assets (ROA) | 1.0591% | 2,236 |
| Pretax return on assets | 1.6558% | 1,194 |
| Return on Equity (ROE) | 10.6628% | 1,932 |
| Retained earnings to average equity (ytd only) | 4.4942% | 3,476 |
| Net charge-offs to loans | 1.6822% | 253 |
| Credit loss provision to net charge-offs | 97.7659% | 2,443 |
| Earnings coverage of net charge-offs (x) | 2.3291% | 4,061 |
| Efficiency ratio | 62.4215% | 5,076 |
| Assets per employee ($millions) | 3.6163% | 4,628 |
| Cash dividends to net income (ytd only)* | 57.8517% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6450% | 790 |
| Loan loss allowance to noncurrent loans | 236.7414% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.9851% | 3,688 |
| Noncurrent loans to loans | 1.1173% | 3,567 |
| Net loans and leases to total assets | 70.1620% | 1,936 |
| Net loans and leases to deposits | 85.2335% | 1,712 |
| Net loans and leases to core deposits | 90.8972% | 1,882 |
| Total domestic deposits to total assets | 82.3175% | 4,820 |
| Equity capital to assets | 10.0093% | 3,887 |
| Core capital (leverage) ratio | 9.9440% | 3,752 |
| Tier 1 risk-based capital ratio | 11.4295% | 6,089 |
| Total risk-based capital ratio | 13.1087% | 5,817 |
| Memoranda: | ||
| Average total assets | $14,146,573,000 | 84 |
| Average earning assets | $12,397,464,500 | 87 |
| Average equity | $1,405,100,000 | 102 |
| Average total loans | $10,071,941,250 | 77 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3543% | 111 |
| Cost of funding earning assets | 0.3664% | 5,254 |
| Net interest margin | 5.9879% | 82 |
| Noninterest income to average assets | 2.2792% | 367 |
| Noninterest expense to average assets | 4.8279% | 403 |
| Loan and lease loss provision to assets | 1.1421% | 145 |
| Net operating income to assets | 1.0129% | 2,276 |
| Return on assets (ROA) | 1.0487% | 2,241 |
| Pretax return on assets | 1.6303% | 1,276 |
| Return on Equity (ROE) | 10.5862% | 1,974 |
| Retained earnings to average equity (ytd only) | 4.0026% | 3,747 |
| Net charge-offs to loans | 1.7715% | 270 |
| Credit loss provision to net charge-offs | 90.9251% | 2,417 |
| Earnings coverage of net charge-offs (x) | 2.1625% | 3,807 |
| Efficiency ratio | 62.8934% | 5,033 |
| Assets per employee ($millions) | 3.4615% | 4,938 |
| Cash dividends to net income (ytd only)* | 62.1903% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6568% | 822 |
| Loan loss allowance to noncurrent loans | 241.8018% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.9850% | 3,792 |
| Noncurrent loans to loans | 1.0988% | 3,733 |
| Net loans and leases to total assets | 70.9570% | 1,728 |
| Net loans and leases to deposits | 87.8084% | 1,363 |
| Net loans and leases to core deposits | 92.6141% | 1,644 |
| Total domestic deposits to total assets | 80.8090% | 5,399 |
| Equity capital to assets | 10.1925% | 3,668 |
| Core capital (leverage) ratio | 9.9867% | 3,549 |
| Tier 1 risk-based capital ratio | 11.4948% | 6,113 |
| Total risk-based capital ratio | 13.6056% | 5,542 |
| Memoranda: | ||
| Average total assets | $14,110,224,000 | 84 |
| Average earning assets | $12,406,781,670 | 85 |
| Average equity | $1,397,838,670 | 103 |
| Average total loans | $10,004,661,330 | 77 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1992% | 130 |
| Cost of funding earning assets | 0.3574% | 5,465 |
| Net interest margin | 5.8418% | 92 |
| Noninterest income to average assets | 2.1558% | 391 |
| Noninterest expense to average assets | 4.7023% | 455 |
| Loan and lease loss provision to assets | 1.1290% | 147 |
| Net operating income to assets | 0.9637% | 2,384 |
| Return on assets (ROA) | 1.0182% | 2,272 |
| Pretax return on assets | 1.5784% | 1,355 |
| Return on Equity (ROE) | 10.4231% | 1,906 |
| Retained earnings to average equity (ytd only) | 2.3948% | 4,831 |
| Net charge-offs to loans | 1.7324% | 285 |
| Credit loss provision to net charge-offs | 93.1777% | 1,966 |
| Earnings coverage of net charge-offs (x) | 2.1651% | 3,111 |
| Efficiency ratio | 63.0448% | 5,148 |
| Assets per employee ($millions) | 3.5569% | 4,870 |
| Cash dividends to net income (ytd only)* | 77.0242% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7410% | 870 |
| Loan loss allowance to noncurrent loans | 167.2112% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 1.3726% | 3,214 |
| Noncurrent loans to loans | 1.6392% | 3,084 |
| Net loans and leases to total assets | 68.5154% | 1,922 |
| Net loans and leases to deposits | 80.6466% | 1,996 |
| Net loans and leases to core deposits | 84.6456% | 2,248 |
| Total domestic deposits to total assets | 84.9575% | 4,061 |
| Equity capital to assets | 9.9499% | 4,214 |
| Core capital (leverage) ratio | 9.7363% | 3,738 |
| Tier 1 risk-based capital ratio | 11.8260% | 6,014 |
| Total risk-based capital ratio | 14.3288% | 5,115 |
| Memoranda: | ||
| Average total assets | $14,283,874,000 | 84 |
| Average earning assets | $12,641,442,500 | 86 |
| Average equity | $1,395,362,000 | 102 |
| Average total loans | $9,990,839,000 | 75 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5771% | 122 |
| Cost of funding earning assets | 0.4514% | 5,574 |
| Net interest margin | 6.1257% | 79 |
| Noninterest income to average assets | 2.4618% | 326 |
| Noninterest expense to average assets | 4.9988% | 378 |
| Loan and lease loss provision to assets | 1.0470% | 372 |
| Net operating income to assets | 1.1024% | 1,929 |
| Return on assets (ROA) | 1.1271% | 2,017 |
| Pretax return on assets | 1.7555% | 1,012 |
| Return on Equity (ROE) | 11.0816% | 1,779 |
| Retained earnings to average equity (ytd only) | 3.2094% | 3,964 |
| Net charge-offs to loans | 1.8885% | 408 |
| Credit loss provision to net charge-offs | 80.0746% | 3,832 |
| Earnings coverage of net charge-offs (x) | 2.1139% | 4,357 |
| Efficiency ratio | 63.2192% | 5,035 |
| Assets per employee ($millions) | 3.6990% | 4,565 |
| Cash dividends to net income (ytd only)* | 71.0382% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7264% | 895 |
| Loan loss allowance to noncurrent loans | 174.6679% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 1.2794% | 3,513 |
| Noncurrent loans to loans | 1.5609% | 3,275 |
| Net loans and leases to total assets | 67.5648% | 2,268 |
| Net loans and leases to deposits | 78.5472% | 2,457 |
| Net loans and leases to core deposits | 82.5755% | 2,708 |
| Total domestic deposits to total assets | 86.0181% | 3,359 |
| Equity capital to assets | 9.5931% | 4,760 |
| Core capital (leverage) ratio | 9.9580% | 3,453 |
| Tier 1 risk-based capital ratio | 11.5549% | 6,058 |
| Total risk-based capital ratio | 14.0369% | 5,201 |
| Memoranda: | ||
| Average total assets | $13,547,245,200 | 86 |
| Average earning assets | $11,722,971,600 | 91 |
| Average equity | $1,377,904,400 | 103 |
| Average total loans | $9,379,176,000 | 81 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6516% | 118 |
| Cost of funding earning assets | 0.4736% | 5,607 |
| Net interest margin | 6.1780% | 77 |
| Noninterest income to average assets | 2.4391% | 320 |
| Noninterest expense to average assets | 5.0255% | 359 |
| Loan and lease loss provision to assets | 1.0008% | 408 |
| Net operating income to assets | 1.1219% | 2,019 |
| Return on assets (ROA) | 1.1554% | 2,078 |
| Pretax return on assets | 1.8041% | 1,040 |
| Return on Equity (ROE) | 11.1866% | 1,892 |
| Retained earnings to average equity (ytd only) | 2.2160% | 5,229 |
| Net charge-offs to loans | 1.9863% | 369 |
| Credit loss provision to net charge-offs | 72.8381% | 3,827 |
| Earnings coverage of net charge-offs (x) | 2.0033% | 4,265 |
| Efficiency ratio | 63.4247% | 4,900 |
| Assets per employee ($millions) | 3.3895% | 5,233 |
| Cash dividends to net income (ytd only)* | 80.1906% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9092% | 793 |
| Loan loss allowance to noncurrent loans | 168.5342% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 1.4983% | 3,345 |
| Noncurrent loans to loans | 1.7262% | 3,201 |
| Net loans and leases to total assets | 69.5594% | 2,001 |
| Net loans and leases to deposits | 83.3214% | 1,954 |
| Net loans and leases to core deposits | 87.1350% | 2,327 |
| Total domestic deposits to total assets | 83.4833% | 4,444 |
| Equity capital to assets | 10.5224% | 3,816 |
| Core capital (leverage) ratio | 10.1202% | 3,374 |
| Tier 1 risk-based capital ratio | 12.1618% | 5,849 |
| Total risk-based capital ratio | 14.7775% | 4,822 |
| Memoranda: | ||
| Average total assets | $13,309,039,750 | 86 |
| Average earning assets | $11,501,299,000 | 92 |
| Average equity | $1,374,628,000 | 103 |
| Average total loans | $9,206,089,250 | 82 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6754% | 115 |
| Cost of funding earning assets | 0.4996% | 5,624 |
| Net interest margin | 6.1758% | 81 |
| Noninterest income to average assets | 2.3956% | 312 |
| Noninterest expense to average assets | 4.8528% | 415 |
| Loan and lease loss provision to assets | 0.9444% | 481 |
| Net operating income to assets | 1.2038% | 1,699 |
| Return on assets (ROA) | 1.2435% | 1,758 |
| Pretax return on assets | 1.9439% | 773 |
| Return on Equity (ROE) | 12.1138% | 1,630 |
| Retained earnings to average equity (ytd only) | 1.9264% | 5,235 |
| Net charge-offs to loans | 2.1471% | 366 |
| Credit loss provision to net charge-offs | 64.3381% | 3,703 |
| Earnings coverage of net charge-offs (x) | 1.9254% | 4,017 |
| Efficiency ratio | 61.9361% | 5,261 |
| Assets per employee ($millions) | 3.4976% | 4,994 |
| Cash dividends to net income (ytd only)* | 84.0973% | 710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0216% | 763 |
| Loan loss allowance to noncurrent loans | 165.7238% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 1.5007% | 3,448 |
| Noncurrent loans to loans | 1.8233% | 3,187 |
| Net loans and leases to total assets | 66.0401% | 2,661 |
| Net loans and leases to deposits | 86.6420% | 1,523 |
| Net loans and leases to core deposits | 89.4071% | 2,042 |
| Total domestic deposits to total assets | 76.2218% | 6,429 |
| Equity capital to assets | 10.2208% | 4,031 |
| Core capital (leverage) ratio | 9.9991% | 3,420 |
| Tier 1 risk-based capital ratio | 12.2255% | 5,771 |
| Total risk-based capital ratio | 15.1885% | 4,467 |
| Memoranda: | ||
| Average total assets | $13,385,314,670 | 87 |
| Average earning assets | $11,451,296,330 | 93 |
| Average equity | $1,374,053,330 | 102 |
| Average total loans | $9,151,069,330 | 82 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6532% | 137 |
| Cost of funding earning assets | 0.5138% | 5,726 |
| Net interest margin | 6.1394% | 88 |
| Noninterest income to average assets | 2.2785% | 338 |
| Noninterest expense to average assets | 4.7720% | 435 |
| Loan and lease loss provision to assets | 1.1348% | 348 |
| Net operating income to assets | 1.0730% | 2,193 |
| Return on assets (ROA) | 1.1504% | 2,059 |
| Pretax return on assets | 1.7885% | 1,098 |
| Return on Equity (ROE) | 11.1828% | 1,948 |
| Retained earnings to average equity (ytd only) | -3.3240% | 6,431 |
| Net charge-offs to loans | 2.2993% | 376 |
| Credit loss provision to net charge-offs | 72.0500% | 2,869 |
| Earnings coverage of net charge-offs (x) | 1.7793% | 3,448 |
| Efficiency ratio | 61.6515% | 5,344 |
| Assets per employee ($millions) | 3.6016% | 4,877 |
| Cash dividends to net income (ytd only)* | 129.7239% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2632% | 639 |
| Loan loss allowance to noncurrent loans | 157.6689% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 1.6327% | 3,405 |
| Noncurrent loans to loans | 2.0697% | 3,065 |
| Net loans and leases to total assets | 65.4593% | 2,569 |
| Net loans and leases to deposits | 82.1073% | 1,925 |
| Net loans and leases to core deposits | 83.8052% | 2,568 |
| Total domestic deposits to total assets | 79.7241% | 5,917 |
| Equity capital to assets | 10.0241% | 4,096 |
| Core capital (leverage) ratio | 9.8166% | 3,619 |
| Tier 1 risk-based capital ratio | 12.1855% | 5,833 |
| Total risk-based capital ratio | 15.1797% | 4,489 |
| Memoranda: | ||
| Average total assets | $13,399,360,000 | 87 |
| Average earning assets | $11,558,852,000 | 91 |
| Average equity | $1,378,472,000 | 101 |
| Average total loans | $9,178,621,000 | 82 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8265% | 120 |
| Cost of funding earning assets | 0.7170% | 5,419 |
| Net interest margin | 6.1095% | 83 |
| Noninterest income to average assets | 2.2993% | 306 |
| Noninterest expense to average assets | 5.2069% | 328 |
| Loan and lease loss provision to assets | 0.6446% | 1,586 |
| Net operating income to assets | 1.1223% | 1,746 |
| Return on assets (ROA) | 1.1257% | 1,857 |
| Pretax return on assets | 1.7483% | 899 |
| Return on Equity (ROE) | 10.7875% | 1,771 |
| Retained earnings to average equity (ytd only) | 8.9595% | 814 |
| Net charge-offs to loans | 2.7371% | 392 |
| Credit loss provision to net charge-offs | 33.6192% | 5,733 |
| Earnings coverage of net charge-offs (x) | 1.2453% | 4,846 |
| Efficiency ratio | 67.3583% | 4,503 |
| Assets per employee ($millions) | 3.6062% | 4,758 |
| Cash dividends to net income (ytd only)* | 16.9454% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3273% | 609 |
| Loan loss allowance to noncurrent loans | 178.3512% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 1.5756% | 3,582 |
| Noncurrent loans to loans | 1.8656% | 3,393 |
| Net loans and leases to total assets | 67.0224% | 2,583 |
| Net loans and leases to deposits | 83.7769% | 1,954 |
| Net loans and leases to core deposits | 85.4544% | 2,705 |
| Total domestic deposits to total assets | 80.0010% | 5,745 |
| Equity capital to assets | 10.5498% | 3,474 |
| Core capital (leverage) ratio | 9.8322% | 3,541 |
| Tier 1 risk-based capital ratio | 12.2641% | 5,633 |
| Total risk-based capital ratio | 15.2562% | 4,277 |
| Memoranda: | ||
| Average total assets | $13,105,449,800 | 86 |
| Average earning assets | $11,358,494,000 | 87 |
| Average equity | $1,367,634,200 | 95 |
| Average total loans | $9,180,225,000 | 81 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8978% | 112 |
| Cost of funding earning assets | 0.7659% | 5,360 |
| Net interest margin | 6.1319% | 80 |
| Noninterest income to average assets | 2.3831% | 286 |
| Noninterest expense to average assets | 4.8521% | 420 |
| Loan and lease loss provision to assets | 0.4149% | 2,388 |
| Net operating income to assets | 1.5441% | 862 |
| Return on assets (ROA) | 1.5712% | 889 |
| Pretax return on assets | 2.4708% | 263 |
| Return on Equity (ROE) | 15.0988% | 828 |
| Retained earnings to average equity (ytd only) | 12.6393% | 415 |
| Net charge-offs to loans | 3.0668% | 305 |
| Credit loss provision to net charge-offs | 19.2611% | 5,570 |
| Earnings coverage of net charge-offs (x) | 1.3200% | 4,630 |
| Efficiency ratio | 61.8613% | 5,430 |
| Assets per employee ($millions) | 3.5611% | 4,848 |
| Cash dividends to net income (ytd only)* | 16.2894% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4621% | 587 |
| Loan loss allowance to noncurrent loans | 157.8021% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 1.8596% | 3,318 |
| Noncurrent loans to loans | 2.1939% | 3,120 |
| Net loans and leases to total assets | 65.0160% | 3,102 |
| Net loans and leases to deposits | 81.3685% | 2,470 |
| Net loans and leases to core deposits | 83.0865% | 3,175 |
| Total domestic deposits to total assets | 79.9032% | 5,764 |
| Equity capital to assets | 10.8084% | 3,343 |
| Core capital (leverage) ratio | 10.0848% | 3,327 |
| Tier 1 risk-based capital ratio | 12.8516% | 5,204 |
| Total risk-based capital ratio | 16.0201% | 3,770 |
| Memoranda: | ||
| Average total assets | $13,023,537,750 | 86 |
| Average earning assets | $11,282,536,750 | 88 |
| Average equity | $1,355,253,000 | 96 |
| Average total loans | $9,147,015,250 | 81 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9791% | 108 |
| Cost of funding earning assets | 0.8208% | 5,238 |
| Net interest margin | 6.1583% | 83 |
| Noninterest income to average assets | 2.5975% | 253 |
| Noninterest expense to average assets | 4.8271% | 424 |
| Loan and lease loss provision to assets | 0.3798% | 2,512 |
| Net operating income to assets | 1.7112% | 583 |
| Return on assets (ROA) | 1.7492% | 589 |
| Pretax return on assets | 2.7493% | 179 |
| Return on Equity (ROE) | 17.0313% | 552 |
| Retained earnings to average equity (ytd only) | 13.2802% | 370 |
| Net charge-offs to loans | 3.0310% | 339 |
| Credit loss provision to net charge-offs | 17.5972% | 5,165 |
| Earnings coverage of net charge-offs (x) | 1.4222% | 4,219 |
| Efficiency ratio | 59.9335% | 5,885 |
| Assets per employee ($millions) | 3.3893% | 5,227 |
| Cash dividends to net income (ytd only)* | 22.0249% | 2,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0212% | 411 |
| Loan loss allowance to noncurrent loans | 154.9608% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 2.1989% | 2,984 |
| Noncurrent loans to loans | 2.5950% | 2,781 |
| Net loans and leases to total assets | 68.1143% | 2,591 |
| Net loans and leases to deposits | 86.4421% | 1,727 |
| Net loans and leases to core deposits | 88.5188% | 2,562 |
| Total domestic deposits to total assets | 78.7976% | 6,134 |
| Equity capital to assets | 10.9031% | 3,059 |
| Core capital (leverage) ratio | 9.7906% | 3,533 |
| Tier 1 risk-based capital ratio | 12.2621% | 5,559 |
| Total risk-based capital ratio | 15.4101% | 4,024 |
| Memoranda: | ||
| Average total assets | $12,978,593,000 | 87 |
| Average earning assets | $11,168,198,670 | 89 |
| Average equity | $1,332,934,670 | 100 |
| Average total loans | $9,242,068,670 | 82 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0457% | 104 |
| Cost of funding earning assets | 0.8681% | 5,153 |
| Net interest margin | 6.1776% | 85 |
| Noninterest income to average assets | 2.9983% | 222 |
| Noninterest expense to average assets | 4.8933% | 399 |
| Loan and lease loss provision to assets | 0.7006% | 1,206 |
| Net operating income to assets | 1.7023% | 576 |
| Return on assets (ROA) | 1.7042% | 607 |
| Pretax return on assets | 2.6769% | 203 |
| Return on Equity (ROE) | 17.1014% | 556 |
| Retained earnings to average equity (ytd only) | 17.1014% | 274 |
| Net charge-offs to loans | 3.1742% | 335 |
| Credit loss provision to net charge-offs | 30.9460% | 4,103 |
| Earnings coverage of net charge-offs (x) | 1.4904% | 3,591 |
| Efficiency ratio | 58.0298% | 6,268 |
| Assets per employee ($millions) | 3.4520% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6447% | 253 |
| Loan loss allowance to noncurrent loans | 180.8461% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 2.1538% | 3,121 |
| Noncurrent loans to loans | 2.5683% | 2,924 |
| Net loans and leases to total assets | 66.4102% | 2,898 |
| Net loans and leases to deposits | 87.9668% | 1,469 |
| Net loans and leases to core deposits | 90.2394% | 2,320 |
| Total domestic deposits to total assets | 75.4946% | 6,737 |
| Equity capital to assets | 10.1757% | 3,566 |
| Core capital (leverage) ratio | 9.3186% | 4,100 |
| Tier 1 risk-based capital ratio | 11.5247% | 6,086 |
| Total risk-based capital ratio | 14.6159% | 4,510 |
| Memoranda: | ||
| Average total assets | $13,138,401,500 | 86 |
| Average earning assets | $11,207,017,000 | 89 |
| Average equity | $1,309,293,500 | 104 |
| Average total loans | $9,371,186,500 | 80 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2437% | 107 |
| Cost of funding earning assets | 1.1374% | 4,923 |
| Net interest margin | 6.1063% | 89 |
| Noninterest income to average assets | 4.5587% | 149 |
| Noninterest expense to average assets | 4.9594% | 423 |
| Loan and lease loss provision to assets | 2.9171% | 339 |
| Net operating income to assets | 1.2477% | 1,299 |
| Return on assets (ROA) | 1.4085% | 1,008 |
| Pretax return on assets | 2.2038% | 320 |
| Return on Equity (ROE) | 15.1150% | 700 |
| Retained earnings to average equity (ytd only) | 15.1150% | 121 |
| Net charge-offs to loans | 5.4350% | 140 |
| Credit loss provision to net charge-offs | 77.8042% | 5,639 |
| Earnings coverage of net charge-offs (x) | 1.2988% | 4,802 |
| Efficiency ratio | 49.3821% | 7,176 |
| Assets per employee ($millions) | 3.8108% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9731% | 196 |
| Loan loss allowance to noncurrent loans | 176.9369% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 2.4927% | 2,777 |
| Noncurrent loans to loans | 2.8107% | 2,715 |
| Net loans and leases to total assets | 69.3801% | 2,691 |
| Net loans and leases to deposits | 91.6712% | 1,299 |
| Net loans and leases to core deposits | 94.5000% | 2,202 |
| Total domestic deposits to total assets | 75.6836% | 6,670 |
| Equity capital to assets | 9.7548% | 4,045 |
| Core capital (leverage) ratio | 8.8746% | 4,740 |
| Tier 1 risk-based capital ratio | 10.5221% | 6,684 |
| Total risk-based capital ratio | 13.5404% | 5,182 |
| Memoranda: | ||
| Average total assets | $13,628,139,400 | 81 |
| Average earning assets | $11,762,289,000 | 84 |
| Average equity | $1,269,920,000 | 100 |
| Average total loans | $9,401,247,800 | 78 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4275% | 88 |
| Cost of funding earning assets | 1.1905% | 4,915 |
| Net interest margin | 6.2370% | 82 |
| Noninterest income to average assets | 5.1003% | 133 |
| Noninterest expense to average assets | 4.9723% | 392 |
| Loan and lease loss provision to assets | 3.4006% | 223 |
| Net operating income to assets | 1.3487% | 1,226 |
| Return on assets (ROA) | 1.5612% | 880 |
| Pretax return on assets | 2.4338% | 258 |
| Return on Equity (ROE) | 16.9434% | 593 |
| Retained earnings to average equity (ytd only) | 16.9434% | 138 |
| Net charge-offs to loans | 5.8697% | 110 |
| Credit loss provision to net charge-offs | 85.1703% | 4,956 |
| Earnings coverage of net charge-offs (x) | 1.3781% | 4,702 |
| Efficiency ratio | 46.4446% | 7,365 |
| Assets per employee ($millions) | 3.7674% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5190% | 129 |
| Loan loss allowance to noncurrent loans | 143.1580% | 1,977 |
| Noncurrent assets plus other real estate owned to assets | 3.2822% | 2,176 |
| Noncurrent loans to loans | 3.8552% | 1,978 |
| Net loans and leases to total assets | 68.9956% | 2,987 |
| Net loans and leases to deposits | 92.7501% | 1,359 |
| Net loans and leases to core deposits | 96.6148% | 2,189 |
| Total domestic deposits to total assets | 74.3887% | 6,875 |
| Equity capital to assets | 9.5448% | 4,771 |
| Core capital (leverage) ratio | 8.4673% | 5,564 |
| Tier 1 risk-based capital ratio | 10.1626% | 6,976 |
| Total risk-based capital ratio | 13.2687% | 5,418 |
| Memoranda: | ||
| Average total assets | $13,753,097,750 | 79 |
| Average earning assets | $11,850,945,750 | 82 |
| Average equity | $1,267,240,000 | 101 |
| Average total loans | $9,355,282,250 | 78 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6136% | 55 |
| Cost of funding earning assets | 1.5015% | 3,251 |
| Net interest margin | 7.1121% | 55 |
| Noninterest income to average assets | 8.5073% | 76 |
| Noninterest expense to average assets | 5.6376% | 256 |
| Loan and lease loss provision to assets | 4.2289% | 170 |
| Net operating income to assets | 2.9992% | 82 |
| Return on assets (ROA) | 3.3388% | 65 |
| Pretax return on assets | 5.2554% | 46 |
| Return on Equity (ROE) | 42.6462% | 21 |
| Retained earnings to average equity (ytd only) | 42.6462% | 12 |
| Net charge-offs to loans | 7.0934% | 83 |
| Credit loss provision to net charge-offs | 90.6115% | 4,407 |
| Earnings coverage of net charge-offs (x) | 1.9184% | 4,080 |
| Efficiency ratio | 37.7897% | 7,679 |
| Assets per employee ($millions) | 3.9543% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1230% | 99 |
| Loan loss allowance to noncurrent loans | 179.9063% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 2.7980% | 2,582 |
| Noncurrent loans to loans | 3.4034% | 2,339 |
| Net loans and leases to total assets | 72.2023% | 2,342 |
| Net loans and leases to deposits | 106.7096% | 361 |
| Net loans and leases to core deposits | 110.7071% | 1,121 |
| Total domestic deposits to total assets | 67.6624% | 7,439 |
| Equity capital to assets | 7.8797% | 6,864 |
| Core capital (leverage) ratio | 7.4489% | 6,873 |
| Tier 1 risk-based capital ratio | 9.7852% | 7,144 |
| Total risk-based capital ratio | 16.3376% | 3,076 |
| Memoranda: | ||
| Average total assets | $10,224,300,330 | 104 |
| Average earning assets | $8,745,930,330 | 107 |
| Average equity | $800,470,000 | 135 |
| Average total loans | $6,727,027,000 | 99 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8215% | 54 |
| Cost of funding earning assets | 1.5645% | 3,175 |
| Net interest margin | 7.2570% | 56 |
| Noninterest income to average assets | 14.2605% | 50 |
| Noninterest expense to average assets | 5.9367% | 225 |
| Loan and lease loss provision to assets | 4.0088% | 214 |
| Net operating income to assets | 6.6261% | 25 |
| Return on assets (ROA) | 7.1769% | 25 |
| Pretax return on assets | 11.3433% | 23 |
| Return on Equity (ROE) | 91.9591% | 13 |
| Retained earnings to average equity (ytd only) | 91.9591% | 11 |
| Net charge-offs to loans | 8.6300% | 76 |
| Credit loss provision to net charge-offs | 76.9336% | 3,953 |
| Earnings coverage of net charge-offs (x) | 2.7810% | 3,158 |
| Efficiency ratio | 28.4371% | 7,858 |
| Assets per employee ($millions) | 4.4161% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8449% | 106 |
| Loan loss allowance to noncurrent loans | 188.7103% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 2.3143% | 3,130 |
| Noncurrent loans to loans | 3.0973% | 2,586 |
| Net loans and leases to total assets | 65.4594% | 4,000 |
| Net loans and leases to deposits | 105.7639% | 435 |
| Net loans and leases to core deposits | 110.2722% | 1,253 |
| Total domestic deposits to total assets | 61.8920% | 7,720 |
| Equity capital to assets | 7.0650% | 7,339 |
| Core capital (leverage) ratio | 6.9393% | 7,288 |
| Tier 1 risk-based capital ratio | 9.5065% | 7,303 |
| Total risk-based capital ratio | 15.8171% | 3,306 |
| Memoranda: | ||
| Average total assets | $10,312,496,000 | 103 |
| Average earning assets | $8,763,973,000 | 108 |
| Average equity | $804,831,500 | 133 |
| Average total loans | $6,226,538,500 | 107 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 7,050 |
| Cost of funding earning assets | 1.5740% | 5,159 |
| Net interest margin | 3.1768% | 6,168 |
| Noninterest income to average assets | 6.5600% | 111 |
| Noninterest expense to average assets | 6.4149% | 258 |
| Loan and lease loss provision to assets | 1.6782% | 1,365 |
| Net operating income to assets | 0.7867% | 2,582 |
| Return on assets (ROA) | 0.9394% | 2,111 |
| Pretax return on assets | 1.3684% | 1,507 |
| Return on Equity (ROE) | 14.1176% | 761 |
| Retained earnings to average equity (ytd only) | 7.6096% | 803 |
| Net charge-offs to loans | 2.0395% | 1,204 |
| Credit loss provision to net charge-offs | 148.5643% | 3,141 |
| Earnings coverage of net charge-offs (x) | 2.5009% | 3,874 |
| Efficiency ratio | 68.1229% | 4,984 |
| Assets per employee ($millions) | 2.5781% | 7,074 |
| Cash dividends to net income (ytd only)* | 46.0984% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6242% | 482 |
| Loan loss allowance to noncurrent loans | 124.3531% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.8427% | 3,609 |
| Noncurrent loans to loans | 2.9145% | 2,646 |
| Net loans and leases to total assets | 48.8125% | 6,746 |
| Net loans and leases to deposits | 58.3586% | 6,760 |
| Net loans and leases to core deposits | 62.5217% | 7,171 |
| Total domestic deposits to total assets | 83.6422% | 4,207 |
| Equity capital to assets | 8.1997% | 6,347 |
| Core capital (leverage) ratio | 8.6634% | 4,991 |
| Tier 1 risk-based capital ratio | 10.4241% | 6,472 |
| Total risk-based capital ratio | 13.8608% | 4,377 |
| Memoranda: | ||
| Average total assets | $9,236,709,600 | 112 |
| Average earning assets | $7,792,332,000 | 115 |
| Average equity | $614,628,000 | 157 |
| Average total loans | $5,116,132,600 | 124 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6560% | 7,345 |
| Cost of funding earning assets | 1.6782% | 5,016 |
| Net interest margin | 2.9778% | 6,667 |
| Noninterest income to average assets | 5.9886% | 124 |
| Noninterest expense to average assets | 6.5658% | 239 |
| Loan and lease loss provision to assets | 2.1198% | 824 |
| Net operating income to assets | -0.1249% | 5,930 |
| Return on assets (ROA) | 0.0824% | 5,567 |
| Pretax return on assets | 0.1159% | 5,493 |
| Return on Equity (ROE) | 1.3105% | 5,404 |
| Retained earnings to average equity (ytd only) | -7.7634% | 6,572 |
| Net charge-offs to loans | 1.7508% | 1,155 |
| Credit loss provision to net charge-offs | 214.2734% | 2,050 |
| Earnings coverage of net charge-offs (x) | 1.9645% | 4,342 |
| Efficiency ratio | 75.7213% | 3,561 |
| Assets per employee ($millions) | 2.4156% | 7,358 |
| Cash dividends to net income (ytd only)* | 692.4013% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9451% | 310 |
| Loan loss allowance to noncurrent loans | 149.6252% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 1.8965% | 3,513 |
| Noncurrent loans to loans | 2.6367% | 2,867 |
| Net loans and leases to total assets | 53.6886% | 6,422 |
| Net loans and leases to deposits | 65.1781% | 6,387 |
| Net loans and leases to core deposits | 70.5932% | 6,932 |
| Total domestic deposits to total assets | 82.3722% | 4,510 |
| Equity capital to assets | 6.5133% | 7,760 |
| Core capital (leverage) ratio | 7.3983% | 7,081 |
| Tier 1 risk-based capital ratio | 8.8810% | 7,660 |
| Total risk-based capital ratio | 12.3945% | 5,762 |
| Memoranda: | ||
| Average total assets | $9,344,174,250 | 119 |
| Average earning assets | $7,909,890,750 | 120 |
| Average equity | $587,750,250 | 168 |
| Average total loans | $5,280,040,500 | 126 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6961% | 7,396 |
| Cost of funding earning assets | 1.7940% | 4,792 |
| Net interest margin | 2.9021% | 6,803 |
| Noninterest income to average assets | 4.8122% | 137 |
| Noninterest expense to average assets | 6.3604% | 285 |
| Loan and lease loss provision to assets | 1.2354% | 1,391 |
| Net operating income to assets | -0.2421% | 6,252 |
| Return on assets (ROA) | 0.0568% | 5,777 |
| Pretax return on assets | 0.0777% | 5,721 |
| Return on Equity (ROE) | 0.9132% | 5,657 |
| Retained earnings to average equity (ytd only) | -12.5010% | 7,088 |
| Net charge-offs to loans | 1.6614% | 1,139 |
| Credit loss provision to net charge-offs | 131.1670% | 3,557 |
| Earnings coverage of net charge-offs (x) | 0.9591% | 4,811 |
| Efficiency ratio | 85.8668% | 2,242 |
| Assets per employee ($millions) | 2.5186% | 7,212 |
| Cash dividends to net income (ytd only)* | 1,468.9680% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4949% | 907 |
| Loan loss allowance to noncurrent loans | 182.1694% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 1.1510% | 4,639 |
| Noncurrent loans to loans | 1.3695% | 4,473 |
| Net loans and leases to total assets | 53.1637% | 6,554 |
| Net loans and leases to deposits | 64.4941% | 6,521 |
| Net loans and leases to core deposits | 70.7956% | 6,980 |
| Total domestic deposits to total assets | 82.4319% | 4,509 |
| Equity capital to assets | 6.2775% | 7,873 |
| Core capital (leverage) ratio | 6.9233% | 7,588 |
| Tier 1 risk-based capital ratio | 8.8238% | 7,782 |
| Total risk-based capital ratio | 12.3015% | 5,743 |
| Memoranda: | ||
| Average total assets | $9,583,512,000 | 120 |
| Average earning assets | $8,095,516,330 | 122 |
| Average equity | $596,385,330 | 169 |
| Average total loans | $5,432,894,670 | 130 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8613% | 7,261 |
| Cost of funding earning assets | 1.9510% | 4,379 |
| Net interest margin | 2.9103% | 6,721 |
| Noninterest income to average assets | 4.6400% | 139 |
| Noninterest expense to average assets | 6.6271% | 225 |
| Loan and lease loss provision to assets | 1.8308% | 673 |
| Net operating income to assets | -0.8726% | 7,169 |
| Return on assets (ROA) | -0.3628% | 6,824 |
| Pretax return on assets | -0.5811% | 6,886 |
| Return on Equity (ROE) | -5.8538% | 7,049 |
| Retained earnings to average equity (ytd only) | -32.2549% | 7,879 |
| Net charge-offs to loans | 1.8061% | 802 |
| Credit loss provision to net charge-offs | 175.6593% | 2,454 |
| Earnings coverage of net charge-offs (x) | 0.4343% | 4,641 |
| Efficiency ratio | 91.9060% | 1,574 |
| Assets per employee ($millions) | 2.5778% | 7,135 |
| Cash dividends to net income (ytd only)* | -451.0091% | 8,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3802% | 871 |
| Loan loss allowance to noncurrent loans | 177.1697% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 1.0382% | 4,616 |
| Noncurrent loans to loans | 1.3435% | 4,302 |
| Net loans and leases to total assets | 55.3258% | 6,326 |
| Net loans and leases to deposits | 67.6557% | 6,216 |
| Net loans and leases to core deposits | 74.8396% | 6,755 |
| Total domestic deposits to total assets | 81.7754% | 4,642 |
| Equity capital to assets | 5.9809% | 8,000 |
| Core capital (leverage) ratio | 6.7486% | 7,783 |
| Tier 1 risk-based capital ratio | 8.2549% | 7,983 |
| Total risk-based capital ratio | 11.6206% | 6,438 |
| Memoranda: | ||
| Average total assets | $9,778,790,000 | 117 |
| Average earning assets | $8,197,765,000 | 124 |
| Average equity | $606,035,500 | 163 |
| Average total loans | $5,643,157,500 | 129 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9580% | 5,763 |
| Cost of funding earning assets | 2.7176% | 3,075 |
| Net interest margin | 3.2405% | 6,238 |
| Noninterest income to average assets | 6.3277% | 104 |
| Noninterest expense to average assets | 6.7354% | 306 |
| Loan and lease loss provision to assets | 1.0064% | 1,462 |
| Net operating income to assets | 0.8602% | 3,175 |
| Return on assets (ROA) | 0.8884% | 2,888 |
| Pretax return on assets | 1.3773% | 2,037 |
| Return on Equity (ROE) | 12.6501% | 1,415 |
| Retained earnings to average equity (ytd only) | 2.3255% | 3,754 |
| Net charge-offs to loans | 0.8781% | 1,416 |
| Credit loss provision to net charge-offs | 192.4854% | 2,549 |
| Earnings coverage of net charge-offs (x) | 4.4759% | 3,966 |
| Efficiency ratio | 71.7836% | 3,978 |
| Assets per employee ($millions) | 2.5617% | 7,083 |
| Cash dividends to net income (ytd only)* | 81.6165% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 1,394 |
| Loan loss allowance to noncurrent loans | 127.0415% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 4,148 |
| Noncurrent loans to loans | 1.5027% | 3,540 |
| Net loans and leases to total assets | 57.5951% | 6,259 |
| Net loans and leases to deposits | 71.2947% | 6,134 |
| Net loans and leases to core deposits | 79.7144% | 6,637 |
| Total domestic deposits to total assets | 80.7845% | 4,737 |
| Equity capital to assets | 6.4086% | 7,967 |
| Core capital (leverage) ratio | 7.3480% | 7,363 |
| Tier 1 risk-based capital ratio | 8.1979% | 8,047 |
| Total risk-based capital ratio | 11.3975% | 6,441 |
| Memoranda: | ||
| Average total assets | $9,653,745,200 | 115 |
| Average earning assets | $8,186,529,600 | 116 |
| Average equity | $677,992,400 | 153 |
| Average total loans | $5,748,389,000 | 125 |