Home > First National Bank of Pennsylvania > Performance and Condition Ratios
First National Bank of Pennsylvania, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 2,012 |
| Cost of funding earning assets | 1.5786% | 1,746 |
| Net interest margin | 3.4524% | 2,298 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 1.9753% | 3,691 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.2635% | 1,511 |
| Return on assets (ROA) | 1.1250% | 1,819 |
| Pretax return on assets | 1.3721% | 1,697 |
| Return on Equity (ROE) | 8.6700% | 2,838 |
| Retained earnings to average equity (ytd only) | 2.2289% | 3,523 |
| Net charge-offs to loans | 0.2149% | 505 |
| Credit loss provision to net charge-offs | 105.9971% | 1,785 |
| Earnings coverage of net charge-offs (x) | 11.2560% | 2,202 |
| Efficiency ratio | 52.5953% | 3,780 |
| Assets per employee ($millions) | 11.4261% | 476 |
| Cash dividends to net income (ytd only)* | 74.2870% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,115 |
| Loan loss allowance to noncurrent loans | 340.8656% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 1,908 |
| Noncurrent loans to loans | 0.3608% | 1,905 |
| Net loans and leases to total assets | 70.3100% | 1,774 |
| Net loans and leases to deposits | 92.1028% | 1,083 |
| Net loans and leases to core deposits | 99.1127% | 1,483 |
| Total domestic deposits to total assets | 76.3400% | 3,914 |
| Equity capital to assets | 12.8889% | 880 |
| Core capital (leverage) ratio | 8.7105% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5009% | 2,410 |
| Memoranda: | ||
| Average total assets | $44,870,498,000 | 51 |
| Average earning assets | $39,520,798,600 | 50 |
| Average equity | $5,823,520,600 | 41 |
| Average total loans | $31,497,037,800 | 45 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9349% | 1,986 |
| Cost of funding earning assets | 1.4416% | 1,761 |
| Net interest margin | 3.4933% | 2,224 |
| Noninterest income to average assets | 0.6300% | 1,403 |
| Noninterest expense to average assets | 1.8832% | 3,831 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.3491% | 1,425 |
| Return on assets (ROA) | 1.3336% | 1,447 |
| Pretax return on assets | 1.6339% | 1,291 |
| Return on Equity (ROE) | 10.2600% | 2,569 |
| Retained earnings to average equity (ytd only) | 5.0813% | 2,904 |
| Net charge-offs to loans | 0.2545% | 350 |
| Credit loss provision to net charge-offs | 97.7303% | 1,646 |
| Earnings coverage of net charge-offs (x) | 10.2423% | 2,134 |
| Efficiency ratio | 49.6196% | 3,941 |
| Assets per employee ($millions) | 11.1456% | 482 |
| Cash dividends to net income (ytd only)* | 50.4606% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,196 |
| Loan loss allowance to noncurrent loans | 327.1388% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 1,911 |
| Noncurrent loans to loans | 0.3772% | 1,883 |
| Net loans and leases to total assets | 69.7900% | 1,855 |
| Net loans and leases to deposits | 90.8977% | 1,156 |
| Net loans and leases to core deposits | 97.6055% | 1,470 |
| Total domestic deposits to total assets | 76.7800% | 3,951 |
| Equity capital to assets | 12.8908% | 838 |
| Core capital (leverage) ratio | 8.9867% | 3,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7048% | 2,389 |
| Memoranda: | ||
| Average total assets | $44,579,139,000 | 53 |
| Average earning assets | $39,237,935,500 | 52 |
| Average equity | $5,796,015,500 | 42 |
| Average total loans | $31,178,439,500 | 46 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 1,996 |
| Cost of funding earning assets | 1.2595% | 1,825 |
| Net interest margin | 3.5398% | 2,177 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 1.8933% | 3,835 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.3473% | 1,456 |
| Return on assets (ROA) | 1.3319% | 1,474 |
| Pretax return on assets | 1.6899% | 1,235 |
| Return on Equity (ROE) | 10.2100% | 2,642 |
| Retained earnings to average equity (ytd only) | 5.0138% | 2,934 |
| Net charge-offs to loans | 0.1416% | 541 |
| Credit loss provision to net charge-offs | 150.6642% | 1,195 |
| Earnings coverage of net charge-offs (x) | 18.7694% | 1,753 |
| Efficiency ratio | 49.3571% | 3,980 |
| Assets per employee ($millions) | 11.0933% | 499 |
| Cash dividends to net income (ytd only)* | 50.9136% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 1,911 |
| Loan loss allowance to noncurrent loans | 273.0807% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 1,547 |
| Noncurrent loans to loans | 0.4780% | 1,517 |
| Net loans and leases to total assets | 69.1000% | 1,838 |
| Net loans and leases to deposits | 90.5963% | 1,133 |
| Net loans and leases to core deposits | 97.1000% | 1,405 |
| Total domestic deposits to total assets | 76.2800% | 4,020 |
| Equity capital to assets | 12.9902% | 815 |
| Core capital (leverage) ratio | 8.9583% | 3,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7178% | 2,396 |
| Memoranda: | ||
| Average total assets | $44,239,907,333 | 53 |
| Average earning assets | $38,945,401,333 | 52 |
| Average equity | $5,768,751,667 | 42 |
| Average total loans | $30,831,288,000 | 47 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6118% | 2,059 |
| Cost of funding earning assets | 1.0123% | 2,005 |
| Net interest margin | 3.5995% | 2,129 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 1.9397% | 3,768 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.3702% | 1,488 |
| Return on assets (ROA) | 1.3548% | 1,500 |
| Pretax return on assets | 1.7144% | 1,248 |
| Return on Equity (ROE) | 10.3700% | 2,674 |
| Retained earnings to average equity (ytd only) | 5.1425% | 2,995 |
| Net charge-offs to loans | 0.1728% | 416 |
| Credit loss provision to net charge-offs | 112.8240% | 1,055 |
| Earnings coverage of net charge-offs (x) | 15.4642% | 1,544 |
| Efficiency ratio | 49.8896% | 3,949 |
| Assets per employee ($millions) | 10.9508% | 516 |
| Cash dividends to net income (ytd only)* | 50.4076% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 2,019 |
| Loan loss allowance to noncurrent loans | 337.2035% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 1,758 |
| Noncurrent loans to loans | 0.3865% | 1,772 |
| Net loans and leases to total assets | 68.7500% | 1,760 |
| Net loans and leases to deposits | 87.7164% | 1,229 |
| Net loans and leases to core deposits | 93.3263% | 1,435 |
| Total domestic deposits to total assets | 78.3800% | 3,959 |
| Equity capital to assets | 13.1359% | 730 |
| Core capital (leverage) ratio | 8.9885% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7431% | 2,481 |
| Memoranda: | ||
| Average total assets | $43,929,155,500 | 53 |
| Average earning assets | $38,707,876,000 | 54 |
| Average equity | $5,739,345,000 | 44 |
| Average total loans | $30,541,243,500 | 49 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4889% | 3,106 |
| Cost of funding earning assets | 0.3948% | 2,148 |
| Net interest margin | 3.0940% | 3,189 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 1.8976% | 3,825 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.0830% | 2,247 |
| Return on assets (ROA) | 1.0682% | 2,247 |
| Pretax return on assets | 1.3543% | 1,923 |
| Return on Equity (ROE) | 8.1900% | 3,335 |
| Retained earnings to average equity (ytd only) | 3.6566% | 3,516 |
| Net charge-offs to loans | 0.0571% | 1,077 |
| Credit loss provision to net charge-offs | 379.8194% | 796 |
| Earnings coverage of net charge-offs (x) | 39.9078% | 1,511 |
| Efficiency ratio | 54.6221% | 3,732 |
| Assets per employee ($millions) | 11.1747% | 482 |
| Cash dividends to net income (ytd only)* | 55.3693% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 1,828 |
| Loan loss allowance to noncurrent loans | 321.1603% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 1,684 |
| Noncurrent loans to loans | 0.4094% | 1,700 |
| Net loans and leases to total assets | 68.4700% | 1,792 |
| Net loans and leases to deposits | 84.4080% | 1,432 |
| Net loans and leases to core deposits | 87.8034% | 1,620 |
| Total domestic deposits to total assets | 81.1200% | 3,741 |
| Equity capital to assets | 12.9935% | 707 |
| Core capital (leverage) ratio | 8.9725% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5106% | 2,571 |
| Memoranda: | ||
| Average total assets | $41,882,285,000 | 56 |
| Average earning assets | $36,955,542,600 | 58 |
| Average equity | $5,460,773,600 | 48 |
| Average total loans | $27,943,135,600 | 52 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2054% | 3,421 |
| Cost of funding earning assets | 0.2973% | 2,201 |
| Net interest margin | 2.9081% | 3,480 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 1.9109% | 3,729 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 0.9839% | 2,533 |
| Return on assets (ROA) | 0.9693% | 2,568 |
| Pretax return on assets | 1.2297% | 2,258 |
| Return on Equity (ROE) | 7.4300% | 3,481 |
| Retained earnings to average equity (ytd only) | 3.1669% | 3,731 |
| Net charge-offs to loans | 0.0207% | 1,420 |
| Credit loss provision to net charge-offs | 807.7450% | 468 |
| Earnings coverage of net charge-offs (x) | 99.4241% | 954 |
| Efficiency ratio | 57.5486% | 3,438 |
| Assets per employee ($millions) | 10.9167% | 507 |
| Cash dividends to net income (ytd only)* | 57.3603% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 1,919 |
| Loan loss allowance to noncurrent loans | 399.3412% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 2,050 |
| Noncurrent loans to loans | 0.3315% | 2,039 |
| Net loans and leases to total assets | 66.9400% | 1,794 |
| Net loans and leases to deposits | 82.4928% | 1,405 |
| Net loans and leases to core deposits | 84.3458% | 1,629 |
| Total domestic deposits to total assets | 81.1400% | 3,954 |
| Equity capital to assets | 12.7902% | 715 |
| Core capital (leverage) ratio | 8.7912% | 3,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4751% | 2,660 |
| Memoranda: | ||
| Average total assets | $41,421,209,250 | 58 |
| Average earning assets | $36,562,109,000 | 61 |
| Average equity | $5,405,568,250 | 51 |
| Average total loans | $27,343,851,750 | 53 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9487% | 3,676 |
| Cost of funding earning assets | 0.2265% | 2,562 |
| Net interest margin | 2.7221% | 3,661 |
| Noninterest income to average assets | 0.6967% | 1,350 |
| Noninterest expense to average assets | 1.9739% | 3,501 |
| Loan and lease loss provision to assets | 0.1136% | 885 |
| Net operating income to assets | 0.8000% | 2,956 |
| Return on assets (ROA) | 0.7856% | 2,979 |
| Pretax return on assets | 0.9988% | 2,743 |
| Return on Equity (ROE) | 5.9787% | 3,579 |
| Retained earnings to average equity (ytd only) | 2.3536% | 3,655 |
| Net charge-offs to loans | 0.0112% | 1,568 |
| Credit loss provision to net charge-offs | 1,610.4736% | 285 |
| Earnings coverage of net charge-offs (x) | 154.2055% | 631 |
| Efficiency ratio | 62.6606% | 2,961 |
| Assets per employee ($millions) | 10.7715% | 530 |
| Cash dividends to net income (ytd only)* | 60.6335% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 2,043 |
| Loan loss allowance to noncurrent loans | 381.3098% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 2,074 |
| Noncurrent loans to loans | 0.3492% | 2,102 |
| Net loans and leases to total assets | 66.7411% | 1,607 |
| Net loans and leases to deposits | 82.3196% | 1,223 |
| Net loans and leases to core deposits | 84.1851% | 1,440 |
| Total domestic deposits to total assets | 81.0755% | 4,121 |
| Equity capital to assets | 13.2262% | 624 |
| Core capital (leverage) ratio | 8.6624% | 3,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6163% | 2,645 |
| Memoranda: | ||
| Average total assets | $41,029,344,667 | 57 |
| Average earning assets | $36,234,940,667 | 61 |
| Average equity | $5,391,347,000 | 51 |
| Average total loans | $26,826,450,667 | 53 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7990% | 3,747 |
| Cost of funding earning assets | 0.1876% | 2,977 |
| Net interest margin | 2.6114% | 3,628 |
| Noninterest income to average assets | 0.6688% | 1,421 |
| Noninterest expense to average assets | 2.1430% | 3,002 |
| Loan and lease loss provision to assets | 0.1690% | 462 |
| Net operating income to assets | 0.5243% | 3,641 |
| Return on assets (ROA) | 0.5096% | 3,653 |
| Pretax return on assets | 0.6513% | 3,513 |
| Return on Equity (ROE) | 3.8914% | 3,901 |
| Retained earnings to average equity (ytd only) | 0.2263% | 3,977 |
| Net charge-offs to loans | 0.0288% | 1,028 |
| Credit loss provision to net charge-offs | 929.0648% | 354 |
| Earnings coverage of net charge-offs (x) | 45.1674% | 959 |
| Efficiency ratio | 70.9634% | 2,105 |
| Assets per employee ($millions) | 11.0905% | 494 |
| Cash dividends to net income (ytd only)* | 94.1843% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 2,071 |
| Loan loss allowance to noncurrent loans | 340.7727% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.2715% | 2,048 |
| Noncurrent loans to loans | 0.3992% | 2,063 |
| Net loans and leases to total assets | 63.6164% | 1,665 |
| Net loans and leases to deposits | 78.0327% | 1,284 |
| Net loans and leases to core deposits | 79.2470% | 1,536 |
| Total domestic deposits to total assets | 81.5252% | 4,146 |
| Equity capital to assets | 13.1044% | 670 |
| Core capital (leverage) ratio | 8.7831% | 3,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9329% | 2,630 |
| Memoranda: | ||
| Average total assets | $40,717,333,500 | 59 |
| Average earning assets | $36,006,086,000 | 62 |
| Average equity | $5,332,434,000 | 52 |
| Average total loans | $26,152,133,500 | 55 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9780% | 3,909 |
| Cost of funding earning assets | 0.2521% | 2,902 |
| Net interest margin | 2.7259% | 3,827 |
| Noninterest income to average assets | 0.7878% | 1,479 |
| Noninterest expense to average assets | 1.8264% | 4,091 |
| Loan and lease loss provision to assets | -0.0034% | 4,145 |
| Net operating income to assets | 1.0914% | 2,328 |
| Return on assets (ROA) | 1.0766% | 2,455 |
| Pretax return on assets | 1.3470% | 2,213 |
| Return on Equity (ROE) | 8.1413% | 3,175 |
| Retained earnings to average equity (ytd only) | 4.0422% | 3,208 |
| Net charge-offs to loans | 0.0530% | 1,266 |
| Credit loss provision to net charge-offs | -50.5354% | 3,258 |
| Earnings coverage of net charge-offs (x) | 39.0150% | 1,452 |
| Efficiency ratio | 56.4402% | 3,653 |
| Assets per employee ($millions) | 10.4607% | 587 |
| Cash dividends to net income (ytd only)* | 50.3491% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 2,103 |
| Loan loss allowance to noncurrent loans | 371.7286% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 2,313 |
| Noncurrent loans to loans | 0.3651% | 2,278 |
| Net loans and leases to total assets | 63.0788% | 1,813 |
| Net loans and leases to deposits | 77.6664% | 1,427 |
| Net loans and leases to core deposits | 78.7856% | 1,698 |
| Total domestic deposits to total assets | 81.2176% | 4,076 |
| Equity capital to assets | 13.0876% | 875 |
| Core capital (leverage) ratio | 8.3121% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7717% | 2,706 |
| Memoranda: | ||
| Average total assets | $38,629,235,800 | 59 |
| Average earning assets | $33,966,018,200 | 62 |
| Average equity | $5,108,450,200 | 54 |
| Average total loans | $25,351,908,200 | 53 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0264% | 3,951 |
| Cost of funding earning assets | 0.2658% | 2,944 |
| Net interest margin | 2.7606% | 3,863 |
| Noninterest income to average assets | 0.7942% | 1,542 |
| Noninterest expense to average assets | 1.8324% | 4,100 |
| Loan and lease loss provision to assets | 0.0064% | 2,849 |
| Net operating income to assets | 1.1065% | 2,531 |
| Return on assets (ROA) | 1.0918% | 2,645 |
| Pretax return on assets | 1.3639% | 2,455 |
| Return on Equity (ROE) | 8.2342% | 3,335 |
| Retained earnings to average equity (ytd only) | 5.8891% | 2,878 |
| Net charge-offs to loans | 0.0637% | 1,006 |
| Credit loss provision to net charge-offs | -20.0610% | 3,080 |
| Earnings coverage of net charge-offs (x) | 32.9033% | 1,478 |
| Efficiency ratio | 56.0500% | 3,522 |
| Assets per employee ($millions) | 10.2803% | 593 |
| Cash dividends to net income (ytd only)* | 28.4798% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3957% | 2,041 |
| Loan loss allowance to noncurrent loans | 300.4323% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 2,209 |
| Noncurrent loans to loans | 0.4646% | 2,165 |
| Net loans and leases to total assets | 62.5120% | 1,946 |
| Net loans and leases to deposits | 77.4336% | 1,534 |
| Net loans and leases to core deposits | 78.6937% | 1,841 |
| Total domestic deposits to total assets | 80.7299% | 4,124 |
| Equity capital to assets | 13.2000% | 929 |
| Core capital (leverage) ratio | 8.5417% | 3,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7966% | 2,776 |
| Memoranda: | ||
| Average total assets | $38,419,465,250 | 60 |
| Average earning assets | $33,723,278,500 | 60 |
| Average equity | $5,094,203,750 | 55 |
| Average total loans | $25,380,220,250 | 53 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0449% | 3,965 |
| Cost of funding earning assets | 0.2823% | 2,951 |
| Net interest margin | 2.7626% | 3,867 |
| Noninterest income to average assets | 0.7689% | 1,621 |
| Noninterest expense to average assets | 1.8385% | 4,101 |
| Loan and lease loss provision to assets | 0.0223% | 2,526 |
| Net operating income to assets | 1.0679% | 2,654 |
| Return on assets (ROA) | 1.0531% | 2,784 |
| Pretax return on assets | 1.3141% | 2,589 |
| Return on Equity (ROE) | 7.9304% | 3,425 |
| Retained earnings to average equity (ytd only) | 6.1599% | 2,740 |
| Net charge-offs to loans | 0.0829% | 849 |
| Credit loss provision to net charge-offs | 36.1592% | 1,676 |
| Earnings coverage of net charge-offs (x) | 24.3308% | 1,437 |
| Efficiency ratio | 56.7182% | 3,446 |
| Assets per employee ($millions) | 9.9399% | 622 |
| Cash dividends to net income (ytd only)* | 22.3254% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 1,942 |
| Loan loss allowance to noncurrent loans | 268.1050% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 2,143 |
| Noncurrent loans to loans | 0.5255% | 2,100 |
| Net loans and leases to total assets | 64.8211% | 1,848 |
| Net loans and leases to deposits | 80.8584% | 1,345 |
| Net loans and leases to core deposits | 82.3098% | 1,697 |
| Total domestic deposits to total assets | 80.1662% | 4,214 |
| Equity capital to assets | 13.3522% | 856 |
| Core capital (leverage) ratio | 8.3867% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8860% | 2,751 |
| Memoranda: | ||
| Average total assets | $38,108,242,667 | 60 |
| Average earning assets | $33,392,072,667 | 60 |
| Average equity | $5,060,736,333 | 56 |
| Average total loans | $25,524,077,333 | 53 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0513% | 3,986 |
| Cost of funding earning assets | 0.3051% | 2,934 |
| Net interest margin | 2.7462% | 3,873 |
| Noninterest income to average assets | 0.7970% | 1,589 |
| Noninterest expense to average assets | 1.8803% | 4,031 |
| Loan and lease loss provision to assets | 0.0594% | 1,936 |
| Net operating income to assets | 1.0203% | 2,750 |
| Return on assets (ROA) | 1.0053% | 2,881 |
| Pretax return on assets | 1.2472% | 2,707 |
| Return on Equity (ROE) | 7.5906% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.5906% | 2,388 |
| Net charge-offs to loans | 0.1064% | 654 |
| Credit loss provision to net charge-offs | 84.8240% | 1,189 |
| Earnings coverage of net charge-offs (x) | 18.3808% | 1,279 |
| Efficiency ratio | 57.8042% | 3,333 |
| Assets per employee ($millions) | 9.9901% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 1,923 |
| Loan loss allowance to noncurrent loans | 219.0889% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 2,046 |
| Noncurrent loans to loans | 0.6424% | 1,962 |
| Net loans and leases to total assets | 65.7336% | 1,825 |
| Net loans and leases to deposits | 82.5672% | 1,293 |
| Net loans and leases to core deposits | 84.0825% | 1,674 |
| Total domestic deposits to total assets | 79.6123% | 4,252 |
| Equity capital to assets | 13.1417% | 873 |
| Core capital (leverage) ratio | 8.4252% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0489% | 2,648 |
| Memoranda: | ||
| Average total assets | $37,943,528,500 | 62 |
| Average earning assets | $33,226,757,500 | 61 |
| Average equity | $5,024,976,000 | 55 |
| Average total loans | $25,650,248,500 | 53 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 3,761 |
| Cost of funding earning assets | 0.5943% | 2,357 |
| Net interest margin | 3.0231% | 3,837 |
| Noninterest income to average assets | 0.6950% | 1,884 |
| Noninterest expense to average assets | 1.9446% | 4,241 |
| Loan and lease loss provision to assets | 0.3345% | 1,056 |
| Net operating income to assets | 0.8629% | 2,852 |
| Return on assets (ROA) | 0.8473% | 3,044 |
| Pretax return on assets | 1.0240% | 2,961 |
| Return on Equity (ROE) | 6.1564% | 3,531 |
| Retained earnings to average equity (ytd only) | 0.2940% | 4,427 |
| Net charge-offs to loans | 0.2368% | 741 |
| Credit loss provision to net charge-offs | 204.9376% | 2,140 |
| Earnings coverage of net charge-offs (x) | 8.4169% | 2,604 |
| Efficiency ratio | 57.5756% | 3,781 |
| Assets per employee ($millions) | 9.4257% | 643 |
| Cash dividends to net income (ytd only)* | 95.2239% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 1,903 |
| Loan loss allowance to noncurrent loans | 197.5027% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 2,011 |
| Noncurrent loans to loans | 0.7176% | 1,906 |
| Net loans and leases to total assets | 67.5889% | 1,875 |
| Net loans and leases to deposits | 85.4227% | 1,302 |
| Net loans and leases to core deposits | 87.3317% | 1,760 |
| Total domestic deposits to total assets | 79.1228% | 4,187 |
| Equity capital to assets | 13.3482% | 984 |
| Core capital (leverage) ratio | 8.1870% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6383% | 2,756 |
| Memoranda: | ||
| Average total assets | $36,400,031,600 | 59 |
| Average earning assets | $31,589,571,000 | 60 |
| Average equity | $5,009,961,000 | 51 |
| Average total loans | $25,092,808,000 | 53 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6939% | 3,811 |
| Cost of funding earning assets | 0.6598% | 2,271 |
| Net interest margin | 3.0342% | 3,898 |
| Noninterest income to average assets | 0.7353% | 1,684 |
| Noninterest expense to average assets | 1.9272% | 4,289 |
| Loan and lease loss provision to assets | 0.3882% | 938 |
| Net operating income to assets | 0.8695% | 2,825 |
| Return on assets (ROA) | 0.8539% | 3,021 |
| Pretax return on assets | 1.0340% | 2,955 |
| Return on Equity (ROE) | 6.1563% | 3,497 |
| Retained earnings to average equity (ytd only) | 2.5904% | 3,690 |
| Net charge-offs to loans | 0.1765% | 843 |
| Credit loss provision to net charge-offs | 318.5509% | 1,707 |
| Earnings coverage of net charge-offs (x) | 11.7969% | 2,281 |
| Efficiency ratio | 56.2625% | 3,884 |
| Assets per employee ($millions) | 9.4038% | 617 |
| Cash dividends to net income (ytd only)* | 57.9221% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 1,679 |
| Loan loss allowance to noncurrent loans | 192.4301% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5660% | 2,028 |
| Noncurrent loans to loans | 0.7348% | 1,971 |
| Net loans and leases to total assets | 69.3903% | 2,047 |
| Net loans and leases to deposits | 89.0228% | 1,366 |
| Net loans and leases to core deposits | 92.5074% | 1,751 |
| Total domestic deposits to total assets | 77.9466% | 4,210 |
| Equity capital to assets | 13.5602% | 982 |
| Core capital (leverage) ratio | 8.4379% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5002% | 2,791 |
| Memoranda: | ||
| Average total assets | $36,166,222,000 | 59 |
| Average earning assets | $31,342,969,750 | 60 |
| Average equity | $5,016,552,000 | 50 |
| Average total loans | $24,966,694,750 | 53 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8380% | 3,765 |
| Cost of funding earning assets | 0.7346% | 2,207 |
| Net interest margin | 3.1034% | 3,897 |
| Noninterest income to average assets | 0.7029% | 1,726 |
| Noninterest expense to average assets | 1.9540% | 4,321 |
| Loan and lease loss provision to assets | 0.4382% | 881 |
| Net operating income to assets | 0.8277% | 2,946 |
| Return on assets (ROA) | 0.8118% | 3,119 |
| Pretax return on assets | 0.9817% | 3,079 |
| Return on Equity (ROE) | 5.8069% | 3,577 |
| Retained earnings to average equity (ytd only) | 2.2270% | 3,673 |
| Net charge-offs to loans | 0.1149% | 1,154 |
| Credit loss provision to net charge-offs | 556.3277% | 1,158 |
| Earnings coverage of net charge-offs (x) | 18.2294% | 1,776 |
| Efficiency ratio | 56.6284% | 3,873 |
| Assets per employee ($millions) | 9.5062% | 584 |
| Cash dividends to net income (ytd only)* | 61.6492% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 1,627 |
| Loan loss allowance to noncurrent loans | 208.5713% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5132% | 2,297 |
| Noncurrent loans to loans | 0.6659% | 2,197 |
| Net loans and leases to total assets | 68.7182% | 2,231 |
| Net loans and leases to deposits | 90.0423% | 1,351 |
| Net loans and leases to core deposits | 94.7259% | 1,690 |
| Total domestic deposits to total assets | 76.3177% | 4,397 |
| Equity capital to assets | 13.3434% | 1,020 |
| Core capital (leverage) ratio | 8.4648% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2487% | 2,901 |
| Memoranda: | ||
| Average total assets | $35,739,698,000 | 59 |
| Average earning assets | $30,940,775,667 | 61 |
| Average equity | $4,996,163,000 | 50 |
| Average total loans | $24,503,456,333 | 55 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 3,417 |
| Cost of funding earning assets | 0.8996% | 1,871 |
| Net interest margin | 3.2361% | 3,760 |
| Noninterest income to average assets | 0.6067% | 2,013 |
| Noninterest expense to average assets | 2.0786% | 4,262 |
| Loan and lease loss provision to assets | 0.5539% | 514 |
| Net operating income to assets | 0.6204% | 3,539 |
| Return on assets (ROA) | 0.6043% | 3,642 |
| Pretax return on assets | 0.7526% | 3,541 |
| Return on Equity (ROE) | 4.2189% | 3,896 |
| Retained earnings to average equity (ytd only) | 0.6241% | 3,837 |
| Net charge-offs to loans | 0.0950% | 1,119 |
| Credit loss provision to net charge-offs | 858.1462% | 635 |
| Earnings coverage of net charge-offs (x) | 20.4929% | 1,412 |
| Efficiency ratio | 60.0732% | 3,731 |
| Assets per employee ($millions) | 8.9759% | 535 |
| Cash dividends to net income (ytd only)* | 85.2077% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,574 |
| Loan loss allowance to noncurrent loans | 248.7066% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 2,676 |
| Noncurrent loans to loans | 0.5761% | 2,558 |
| Net loans and leases to total assets | 67.3788% | 2,636 |
| Net loans and leases to deposits | 93.2239% | 1,158 |
| Net loans and leases to core deposits | 98.6166% | 1,577 |
| Total domestic deposits to total assets | 72.2764% | 4,757 |
| Equity capital to assets | 14.1919% | 1,001 |
| Core capital (leverage) ratio | 8.8533% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1636% | 3,303 |
| Memoranda: | ||
| Average total assets | $34,773,108,500 | 57 |
| Average earning assets | $30,026,706,000 | 62 |
| Average equity | $4,980,819,500 | 51 |
| Average total loans | $23,628,794,500 | 57 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3237% | 3,471 |
| Cost of funding earning assets | 1.0615% | 1,469 |
| Net interest margin | 3.2623% | 4,058 |
| Noninterest income to average assets | 0.7810% | 1,509 |
| Noninterest expense to average assets | 1.9754% | 4,574 |
| Loan and lease loss provision to assets | 0.1311% | 1,628 |
| Net operating income to assets | 1.2245% | 1,965 |
| Return on assets (ROA) | 1.2073% | 2,120 |
| Pretax return on assets | 1.4740% | 1,888 |
| Return on Equity (ROE) | 8.4308% | 2,971 |
| Retained earnings to average equity (ytd only) | 4.8722% | 2,487 |
| Net charge-offs to loans | 0.1228% | 1,531 |
| Credit loss provision to net charge-offs | 158.4752% | 1,624 |
| Earnings coverage of net charge-offs (x) | 19.6044% | 1,987 |
| Efficiency ratio | 53.8112% | 4,440 |
| Assets per employee ($millions) | 8.7333% | 544 |
| Cash dividends to net income (ytd only)* | 42.2096% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 4,196 |
| Loan loss allowance to noncurrent loans | 163.0517% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 2,717 |
| Noncurrent loans to loans | 0.5132% | 2,650 |
| Net loans and leases to total assets | 66.9736% | 2,834 |
| Net loans and leases to deposits | 92.2643% | 1,334 |
| Net loans and leases to core deposits | 98.4577% | 1,698 |
| Total domestic deposits to total assets | 72.5888% | 4,848 |
| Equity capital to assets | 14.4574% | 945 |
| Core capital (leverage) ratio | 8.8738% | 4,620 |
| Tier 1 risk-based capital ratio | 10.5988% | 4,989 |
| Total risk-based capital ratio | 11.3373% | 5,067 |
| Memoranda: | ||
| Average total assets | $33,856,612,600 | 56 |
| Average earning assets | $29,232,413,000 | 61 |
| Average equity | $4,848,456,000 | 48 |
| Average total loans | $22,815,092,600 | 56 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3726% | 3,442 |
| Cost of funding earning assets | 1.0825% | 1,418 |
| Net interest margin | 3.2901% | 4,102 |
| Noninterest income to average assets | 0.7828% | 1,476 |
| Noninterest expense to average assets | 1.9708% | 4,604 |
| Loan and lease loss provision to assets | 0.1461% | 1,305 |
| Net operating income to assets | 1.2359% | 2,078 |
| Return on assets (ROA) | 1.2185% | 2,207 |
| Pretax return on assets | 1.4876% | 1,994 |
| Return on Equity (ROE) | 8.5299% | 3,095 |
| Retained earnings to average equity (ytd only) | 4.9452% | 2,915 |
| Net charge-offs to loans | 0.1341% | 1,193 |
| Credit loss provision to net charge-offs | 161.7639% | 1,544 |
| Earnings coverage of net charge-offs (x) | 18.2776% | 2,057 |
| Efficiency ratio | 53.3202% | 4,464 |
| Assets per employee ($millions) | 8.3772% | 603 |
| Cash dividends to net income (ytd only)* | 42.0247% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8346% | 4,294 |
| Loan loss allowance to noncurrent loans | 158.5320% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 2,809 |
| Noncurrent loans to loans | 0.5264% | 2,712 |
| Net loans and leases to total assets | 66.8798% | 2,940 |
| Net loans and leases to deposits | 92.1351% | 1,421 |
| Net loans and leases to core deposits | 99.4351% | 1,704 |
| Total domestic deposits to total assets | 72.5888% | 4,890 |
| Equity capital to assets | 14.3854% | 1,010 |
| Core capital (leverage) ratio | 8.8349% | 4,755 |
| Tier 1 risk-based capital ratio | 10.3606% | 5,121 |
| Total risk-based capital ratio | 11.0893% | 5,178 |
| Memoranda: | ||
| Average total assets | $33,687,912,500 | 57 |
| Average earning assets | $29,069,711,000 | 60 |
| Average equity | $4,812,481,000 | 49 |
| Average total loans | $22,688,349,750 | 57 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3873% | 3,370 |
| Cost of funding earning assets | 1.0836% | 1,365 |
| Net interest margin | 3.3037% | 4,136 |
| Noninterest income to average assets | 0.7532% | 1,510 |
| Noninterest expense to average assets | 1.9605% | 4,668 |
| Loan and lease loss provision to assets | 0.1495% | 1,225 |
| Net operating income to assets | 1.2075% | 2,125 |
| Return on assets (ROA) | 1.1899% | 2,247 |
| Pretax return on assets | 1.4797% | 1,918 |
| Return on Equity (ROE) | 8.3491% | 3,137 |
| Retained earnings to average equity (ytd only) | 4.7355% | 2,894 |
| Net charge-offs to loans | 0.1462% | 1,060 |
| Credit loss provision to net charge-offs | 151.9170% | 1,473 |
| Earnings coverage of net charge-offs (x) | 16.7327% | 1,921 |
| Efficiency ratio | 53.2416% | 4,540 |
| Assets per employee ($millions) | 8.1656% | 631 |
| Cash dividends to net income (ytd only)* | 43.2808% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 4,368 |
| Loan loss allowance to noncurrent loans | 160.3905% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 2,760 |
| Noncurrent loans to loans | 0.5110% | 2,747 |
| Net loans and leases to total assets | 67.0219% | 2,960 |
| Net loans and leases to deposits | 94.4296% | 1,213 |
| Net loans and leases to core deposits | 103.4501% | 1,432 |
| Total domestic deposits to total assets | 70.9755% | 5,015 |
| Equity capital to assets | 14.3725% | 994 |
| Core capital (leverage) ratio | 8.6403% | 4,886 |
| Tier 1 risk-based capital ratio | 10.2736% | 5,178 |
| Total risk-based capital ratio | 10.9931% | 5,229 |
| Memoranda: | ||
| Average total assets | $33,496,356,000 | 57 |
| Average earning assets | $28,938,391,670 | 60 |
| Average equity | $4,773,706,330 | 48 |
| Average total loans | $22,548,605,000 | 56 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 3,358 |
| Cost of funding earning assets | 1.0638% | 1,319 |
| Net interest margin | 3.3009% | 4,157 |
| Noninterest income to average assets | 0.6928% | 1,641 |
| Noninterest expense to average assets | 1.9126% | 4,777 |
| Loan and lease loss provision to assets | 0.1646% | 1,025 |
| Net operating income to assets | 1.1877% | 2,103 |
| Return on assets (ROA) | 1.1700% | 2,231 |
| Pretax return on assets | 1.4554% | 1,900 |
| Return on Equity (ROE) | 8.2452% | 3,145 |
| Retained earnings to average equity (ytd only) | 4.5983% | 3,082 |
| Net charge-offs to loans | 0.1346% | 937 |
| Credit loss provision to net charge-offs | 182.0329% | 1,109 |
| Earnings coverage of net charge-offs (x) | 18.1099% | 1,635 |
| Efficiency ratio | 52.7433% | 4,637 |
| Assets per employee ($millions) | 8.2311% | 617 |
| Cash dividends to net income (ytd only)* | 44.2308% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 4,470 |
| Loan loss allowance to noncurrent loans | 142.6656% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 2,673 |
| Noncurrent loans to loans | 0.5727% | 2,614 |
| Net loans and leases to total assets | 66.7397% | 2,940 |
| Net loans and leases to deposits | 92.7749% | 1,307 |
| Net loans and leases to core deposits | 102.2255% | 1,445 |
| Total domestic deposits to total assets | 71.9373% | 5,049 |
| Equity capital to assets | 14.2263% | 958 |
| Core capital (leverage) ratio | 8.5302% | 4,992 |
| Tier 1 risk-based capital ratio | 10.2353% | 5,235 |
| Total risk-based capital ratio | 10.9596% | 5,294 |
| Memoranda: | ||
| Average total assets | $33,333,485,500 | 59 |
| Average earning assets | $28,856,315,500 | 61 |
| Average equity | $4,730,019,500 | 49 |
| Average total loans | $22,395,148,000 | 57 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 3,473 |
| Cost of funding earning assets | 0.7908% | 1,571 |
| Net interest margin | 3.3954% | 4,009 |
| Noninterest income to average assets | 0.7467% | 1,658 |
| Noninterest expense to average assets | 2.0436% | 4,673 |
| Loan and lease loss provision to assets | 0.1694% | 1,188 |
| Net operating income to assets | 1.2063% | 2,139 |
| Return on assets (ROA) | 1.1884% | 2,226 |
| Pretax return on assets | 1.4509% | 1,948 |
| Return on Equity (ROE) | 8.3653% | 3,288 |
| Retained earnings to average equity (ytd only) | 4.9332% | 2,798 |
| Net charge-offs to loans | 0.2017% | 951 |
| Credit loss provision to net charge-offs | 125.0881% | 2,096 |
| Earnings coverage of net charge-offs (x) | 12.0950% | 2,566 |
| Efficiency ratio | 54.1980% | 4,599 |
| Assets per employee ($millions) | 7.9314% | 673 |
| Cash dividends to net income (ytd only)* | 41.0281% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 4,513 |
| Loan loss allowance to noncurrent loans | 133.0203% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5118% | 2,547 |
| Noncurrent loans to loans | 0.6066% | 2,459 |
| Net loans and leases to total assets | 66.5376% | 3,052 |
| Net loans and leases to deposits | 92.6218% | 1,456 |
| Net loans and leases to core deposits | 102.0716% | 1,572 |
| Total domestic deposits to total assets | 71.8380% | 5,081 |
| Equity capital to assets | 14.1530% | 923 |
| Core capital (leverage) ratio | 8.3945% | 5,070 |
| Tier 1 risk-based capital ratio | 10.2566% | 5,251 |
| Total risk-based capital ratio | 10.9863% | 5,320 |
| Memoranda: | ||
| Average total assets | $32,062,830,800 | 59 |
| Average earning assets | $27,716,205,800 | 61 |
| Average equity | $4,555,090,800 | 49 |
| Average total loans | $21,525,984,800 | 57 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 3,533 |
| Cost of funding earning assets | 0.7314% | 1,672 |
| Net interest margin | 3.3982% | 4,012 |
| Noninterest income to average assets | 0.7522% | 1,665 |
| Noninterest expense to average assets | 2.0609% | 4,622 |
| Loan and lease loss provision to assets | 0.1650% | 1,147 |
| Net operating income to assets | 1.1816% | 2,312 |
| Return on assets (ROA) | 1.1637% | 2,403 |
| Pretax return on assets | 1.4443% | 2,076 |
| Return on Equity (ROE) | 8.1833% | 3,475 |
| Retained earnings to average equity (ytd only) | 4.7284% | 3,380 |
| Net charge-offs to loans | 0.1891% | 883 |
| Credit loss provision to net charge-offs | 129.9607% | 1,894 |
| Earnings coverage of net charge-offs (x) | 12.8156% | 2,422 |
| Efficiency ratio | 54.5534% | 4,556 |
| Assets per employee ($millions) | 7.6659% | 724 |
| Cash dividends to net income (ytd only)* | 42.2188% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8095% | 4,579 |
| Loan loss allowance to noncurrent loans | 123.8585% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5474% | 2,550 |
| Noncurrent loans to loans | 0.6536% | 2,450 |
| Net loans and leases to total assets | 66.5947% | 3,114 |
| Net loans and leases to deposits | 91.1580% | 1,735 |
| Net loans and leases to core deposits | 100.2709% | 1,768 |
| Total domestic deposits to total assets | 73.0542% | 5,056 |
| Equity capital to assets | 14.1001% | 926 |
| Core capital (leverage) ratio | 8.2763% | 5,214 |
| Tier 1 risk-based capital ratio | 10.1122% | 5,362 |
| Total risk-based capital ratio | 10.8456% | 5,407 |
| Memoranda: | ||
| Average total assets | $31,821,942,500 | 59 |
| Average earning assets | $27,491,916,000 | 61 |
| Average equity | $4,525,307,000 | 49 |
| Average total loans | $21,369,050,000 | 57 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 3,521 |
| Cost of funding earning assets | 0.6788% | 1,751 |
| Net interest margin | 3.4035% | 3,943 |
| Noninterest income to average assets | 0.7414% | 1,678 |
| Noninterest expense to average assets | 2.0993% | 4,608 |
| Loan and lease loss provision to assets | 0.1627% | 1,143 |
| Net operating income to assets | 1.1363% | 2,450 |
| Return on assets (ROA) | 1.1185% | 2,526 |
| Pretax return on assets | 1.3983% | 2,154 |
| Return on Equity (ROE) | 7.8425% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.3708% | 3,414 |
| Net charge-offs to loans | 0.2279% | 701 |
| Credit loss provision to net charge-offs | 106.3022% | 1,934 |
| Earnings coverage of net charge-offs (x) | 10.3147% | 2,335 |
| Efficiency ratio | 55.7111% | 4,512 |
| Assets per employee ($millions) | 7.4853% | 769 |
| Cash dividends to net income (ytd only)* | 44.2680% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7861% | 4,734 |
| Loan loss allowance to noncurrent loans | 122.3522% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 2,577 |
| Noncurrent loans to loans | 0.6425% | 2,508 |
| Net loans and leases to total assets | 66.6695% | 3,057 |
| Net loans and leases to deposits | 94.1353% | 1,342 |
| Net loans and leases to core deposits | 102.0398% | 1,561 |
| Total domestic deposits to total assets | 70.8230% | 5,243 |
| Equity capital to assets | 14.1563% | 890 |
| Core capital (leverage) ratio | 8.1967% | 5,262 |
| Tier 1 risk-based capital ratio | 10.0791% | 5,413 |
| Total risk-based capital ratio | 10.8018% | 5,469 |
| Memoranda: | ||
| Average total assets | $31,576,959,670 | 59 |
| Average earning assets | $27,246,511,670 | 61 |
| Average equity | $4,503,562,000 | 49 |
| Average total loans | $21,206,031,330 | 57 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 3,748 |
| Cost of funding earning assets | 0.6273% | 1,864 |
| Net interest margin | 3.3352% | 4,091 |
| Noninterest income to average assets | 0.7662% | 1,557 |
| Noninterest expense to average assets | 2.0531% | 4,749 |
| Loan and lease loss provision to assets | 0.1585% | 1,140 |
| Net operating income to assets | 1.1450% | 2,242 |
| Return on assets (ROA) | 1.1271% | 2,319 |
| Pretax return on assets | 1.4119% | 1,967 |
| Return on Equity (ROE) | 7.8726% | 3,436 |
| Retained earnings to average equity (ytd only) | 4.3870% | 3,435 |
| Net charge-offs to loans | 0.1544% | 912 |
| Credit loss provision to net charge-offs | 152.8948% | 1,222 |
| Earnings coverage of net charge-offs (x) | 15.3240% | 1,667 |
| Efficiency ratio | 54.9239% | 4,695 |
| Assets per employee ($millions) | 7.4779% | 776 |
| Cash dividends to net income (ytd only)* | 44.2747% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 4,751 |
| Loan loss allowance to noncurrent loans | 103.9691% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 2,355 |
| Noncurrent loans to loans | 0.7833% | 2,248 |
| Net loans and leases to total assets | 66.6639% | 2,945 |
| Net loans and leases to deposits | 92.4835% | 1,389 |
| Net loans and leases to core deposits | 99.9172% | 1,694 |
| Total domestic deposits to total assets | 72.0819% | 5,278 |
| Equity capital to assets | 14.2995% | 819 |
| Core capital (leverage) ratio | 8.1493% | 5,345 |
| Tier 1 risk-based capital ratio | 10.0579% | 5,489 |
| Total risk-based capital ratio | 10.8038% | 5,535 |
| Memoranda: | ||
| Average total assets | $31,331,973,500 | 60 |
| Average earning assets | $27,008,974,500 | 62 |
| Average equity | $4,485,598,500 | 50 |
| Average total loans | $21,034,931,500 | 55 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7938% | 4,065 |
| Cost of funding earning assets | 0.4742% | 2,558 |
| Net interest margin | 3.3196% | 4,096 |
| Noninterest income to average assets | 0.7954% | 1,580 |
| Noninterest expense to average assets | 2.2282% | 4,475 |
| Loan and lease loss provision to assets | 0.1828% | 1,168 |
| Net operating income to assets | 0.7127% | 3,546 |
| Return on assets (ROA) | 0.7062% | 3,629 |
| Pretax return on assets | 1.2445% | 2,576 |
| Return on Equity (ROE) | 5.0057% | 4,152 |
| Retained earnings to average equity (ytd only) | 1.4866% | 4,407 |
| Net charge-offs to loans | 0.1828% | 1,377 |
| Credit loss provision to net charge-offs | 148.6747% | 1,798 |
| Earnings coverage of net charge-offs (x) | 11.6033% | 2,556 |
| Efficiency ratio | 59.3301% | 4,365 |
| Assets per employee ($millions) | 7.2959% | 846 |
| Cash dividends to net income (ytd only)* | 70.3019% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 4,819 |
| Loan loss allowance to noncurrent loans | 100.0578% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 2,318 |
| Noncurrent loans to loans | 0.8015% | 2,211 |
| Net loans and leases to total assets | 66.5217% | 3,032 |
| Net loans and leases to deposits | 91.9455% | 1,535 |
| Net loans and leases to core deposits | 99.6764% | 1,736 |
| Total domestic deposits to total assets | 72.3491% | 5,302 |
| Equity capital to assets | 14.3333% | 825 |
| Core capital (leverage) ratio | 8.1421% | 5,382 |
| Tier 1 risk-based capital ratio | 10.0013% | 5,534 |
| Total risk-based capital ratio | 10.7357% | 5,585 |
| Memoranda: | ||
| Average total assets | $28,878,208,200 | 62 |
| Average earning assets | $24,873,647,000 | 62 |
| Average equity | $4,074,202,600 | 49 |
| Average total loans | $19,422,434,400 | 59 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 4,243 |
| Cost of funding earning assets | 0.4443% | 2,766 |
| Net interest margin | 3.2836% | 4,223 |
| Noninterest income to average assets | 0.7944% | 1,614 |
| Noninterest expense to average assets | 2.2928% | 4,318 |
| Loan and lease loss provision to assets | 0.1821% | 1,088 |
| Net operating income to assets | 0.8177% | 3,449 |
| Return on assets (ROA) | 0.8175% | 3,490 |
| Pretax return on assets | 1.1568% | 3,087 |
| Return on Equity (ROE) | 5.8201% | 4,201 |
| Retained earnings to average equity (ytd only) | 2.3210% | 4,484 |
| Net charge-offs to loans | 0.1852% | 1,134 |
| Credit loss provision to net charge-offs | 146.0934% | 1,724 |
| Earnings coverage of net charge-offs (x) | 10.6782% | 2,572 |
| Efficiency ratio | 61.6351% | 3,932 |
| Assets per employee ($millions) | 7.3026% | 825 |
| Cash dividends to net income (ytd only)* | 60.1201% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7834% | 4,937 |
| Loan loss allowance to noncurrent loans | 89.6806% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 2,411 |
| Noncurrent loans to loans | 0.8735% | 2,189 |
| Net loans and leases to total assets | 66.5958% | 3,028 |
| Net loans and leases to deposits | 93.1669% | 1,402 |
| Net loans and leases to core deposits | 99.3054% | 1,768 |
| Total domestic deposits to total assets | 71.4802% | 5,413 |
| Equity capital to assets | 14.5234% | 850 |
| Core capital (leverage) ratio | 8.1934% | 5,422 |
| Tier 1 risk-based capital ratio | 10.0922% | 5,575 |
| Total risk-based capital ratio | 10.8126% | 5,643 |
| Memoranda: | ||
| Average total assets | $28,294,775,500 | 63 |
| Average earning assets | $24,382,416,500 | 62 |
| Average equity | $3,974,327,500 | 49 |
| Average total loans | $19,045,397,250 | 59 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6112% | 4,485 |
| Cost of funding earning assets | 0.3996% | 3,076 |
| Net interest margin | 3.2116% | 4,382 |
| Noninterest income to average assets | 0.7981% | 1,579 |
| Noninterest expense to average assets | 2.4257% | 3,978 |
| Loan and lease loss provision to assets | 0.1737% | 1,107 |
| Net operating income to assets | 0.7017% | 3,843 |
| Return on assets (ROA) | 0.6978% | 3,928 |
| Pretax return on assets | 0.9741% | 3,667 |
| Return on Equity (ROE) | 5.0320% | 4,464 |
| Retained earnings to average equity (ytd only) | 1.6002% | 4,616 |
| Net charge-offs to loans | 0.1739% | 1,131 |
| Credit loss provision to net charge-offs | 148.2344% | 1,537 |
| Earnings coverage of net charge-offs (x) | 9.7755% | 2,398 |
| Efficiency ratio | 66.3320% | 3,298 |
| Assets per employee ($millions) | 7.0728% | 898 |
| Cash dividends to net income (ytd only)* | 68.1995% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7706% | 5,017 |
| Loan loss allowance to noncurrent loans | 98.9742% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 0.6707% | 2,537 |
| Noncurrent loans to loans | 0.7785% | 2,457 |
| Net loans and leases to total assets | 66.7128% | 3,001 |
| Net loans and leases to deposits | 96.0397% | 1,081 |
| Net loans and leases to core deposits | 102.3422% | 1,481 |
| Total domestic deposits to total assets | 69.4638% | 5,555 |
| Equity capital to assets | 14.5805% | 807 |
| Core capital (leverage) ratio | 8.2363% | 5,405 |
| Tier 1 risk-based capital ratio | 10.1278% | 5,596 |
| Total risk-based capital ratio | 10.8446% | 5,681 |
| Memoranda: | ||
| Average total assets | $27,407,832,330 | 63 |
| Average earning assets | $23,665,059,330 | 64 |
| Average equity | $3,800,500,000 | 49 |
| Average total loans | $18,467,892,000 | 59 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3092% | 5,088 |
| Cost of funding earning assets | 0.3368% | 3,674 |
| Net interest margin | 2.9724% | 4,952 |
| Noninterest income to average assets | 0.7341% | 1,809 |
| Noninterest expense to average assets | 2.7662% | 2,902 |
| Loan and lease loss provision to assets | 0.1404% | 1,349 |
| Net operating income to assets | 0.3071% | 5,174 |
| Return on assets (ROA) | 0.3165% | 5,176 |
| Pretax return on assets | 0.4253% | 5,112 |
| Return on Equity (ROE) | 2.3546% | 5,268 |
| Retained earnings to average equity (ytd only) | -0.6646% | 5,026 |
| Net charge-offs to loans | 0.1414% | 1,092 |
| Credit loss provision to net charge-offs | 147.1429% | 1,229 |
| Earnings coverage of net charge-offs (x) | 5.7289% | 2,263 |
| Efficiency ratio | 82.0810% | 1,151 |
| Assets per employee ($millions) | 7.0133% | 953 |
| Cash dividends to net income (ytd only)* | 128.2262% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 5,166 |
| Loan loss allowance to noncurrent loans | 100.7424% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.6727% | 2,608 |
| Noncurrent loans to loans | 0.7580% | 2,587 |
| Net loans and leases to total assets | 66.4655% | 2,901 |
| Net loans and leases to deposits | 92.7645% | 1,246 |
| Net loans and leases to core deposits | 99.5153% | 1,542 |
| Total domestic deposits to total assets | 71.6497% | 5,559 |
| Equity capital to assets | 14.7516% | 697 |
| Core capital (leverage) ratio | 10.4580% | 2,951 |
| Tier 1 risk-based capital ratio | 10.1185% | 5,671 |
| Total risk-based capital ratio | 10.8382% | 5,749 |
| Memoranda: | ||
| Average total assets | $25,831,043,000 | 64 |
| Average earning assets | $22,407,919,500 | 66 |
| Average equity | $3,472,748,000 | 55 |
| Average total loans | $17,428,489,000 | 64 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5580% | 4,619 |
| Cost of funding earning assets | 0.3119% | 3,930 |
| Net interest margin | 3.2461% | 4,309 |
| Noninterest income to average assets | 0.9010% | 1,412 |
| Noninterest expense to average assets | 2.3329% | 4,477 |
| Loan and lease loss provision to assets | 0.2414% | 880 |
| Net operating income to assets | 0.8341% | 3,133 |
| Return on assets (ROA) | 0.8090% | 3,372 |
| Pretax return on assets | 1.1804% | 2,760 |
| Return on Equity (ROE) | 6.8334% | 3,556 |
| Retained earnings to average equity (ytd only) | 2.5328% | 4,074 |
| Net charge-offs to loans | 0.2336% | 1,188 |
| Credit loss provision to net charge-offs | 150.1715% | 1,822 |
| Earnings coverage of net charge-offs (x) | 8.9953% | 2,804 |
| Efficiency ratio | 60.3299% | 4,529 |
| Assets per employee ($millions) | 6.5041% | 1,152 |
| Cash dividends to net income (ytd only)* | 62.9355% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 4,191 |
| Loan loss allowance to noncurrent loans | 137.4699% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 2,767 |
| Noncurrent loans to loans | 0.7423% | 2,672 |
| Net loans and leases to total assets | 67.4606% | 2,860 |
| Net loans and leases to deposits | 89.9075% | 1,693 |
| Net loans and leases to core deposits | 93.3660% | 2,173 |
| Total domestic deposits to total assets | 75.0333% | 5,353 |
| Equity capital to assets | 11.6318% | 2,058 |
| Core capital (leverage) ratio | 7.9201% | 5,653 |
| Tier 1 risk-based capital ratio | 10.1585% | 5,694 |
| Total risk-based capital ratio | 11.1301% | 5,733 |
| Memoranda: | ||
| Average total assets | $20,317,466,400 | 77 |
| Average earning assets | $18,012,655,000 | 77 |
| Average equity | $2,405,441,000 | 70 |
| Average total loans | $13,978,919,800 | 73 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5682% | 4,641 |
| Cost of funding earning assets | 0.3099% | 3,979 |
| Net interest margin | 3.2583% | 4,323 |
| Noninterest income to average assets | 0.9122% | 1,368 |
| Noninterest expense to average assets | 2.4071% | 4,261 |
| Loan and lease loss provision to assets | 0.2571% | 721 |
| Net operating income to assets | 0.7862% | 3,430 |
| Return on assets (ROA) | 0.7614% | 3,686 |
| Pretax return on assets | 1.1113% | 3,181 |
| Return on Equity (ROE) | 6.4009% | 3,879 |
| Retained earnings to average equity (ytd only) | 2.0637% | 4,660 |
| Net charge-offs to loans | 0.2237% | 1,048 |
| Credit loss provision to net charge-offs | 166.5744% | 1,664 |
| Earnings coverage of net charge-offs (x) | 9.0191% | 2,715 |
| Efficiency ratio | 61.7379% | 4,272 |
| Assets per employee ($millions) | 6.4368% | 1,148 |
| Cash dividends to net income (ytd only)* | 67.7593% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0219% | 4,287 |
| Loan loss allowance to noncurrent loans | 125.3566% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 0.7443% | 2,698 |
| Noncurrent loans to loans | 0.8152% | 2,632 |
| Net loans and leases to total assets | 67.7217% | 2,834 |
| Net loans and leases to deposits | 89.7330% | 1,794 |
| Net loans and leases to core deposits | 92.9150% | 2,288 |
| Total domestic deposits to total assets | 75.4702% | 5,293 |
| Equity capital to assets | 11.8137% | 2,244 |
| Core capital (leverage) ratio | 7.9092% | 5,719 |
| Tier 1 risk-based capital ratio | 10.1134% | 5,758 |
| Total risk-based capital ratio | 11.0841% | 5,803 |
| Memoranda: | ||
| Average total assets | $19,983,830,500 | 78 |
| Average earning assets | $17,705,287,000 | 78 |
| Average equity | $2,377,171,250 | 72 |
| Average total loans | $13,784,362,500 | 74 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5647% | 4,697 |
| Cost of funding earning assets | 0.3048% | 4,069 |
| Net interest margin | 3.2598% | 4,349 |
| Noninterest income to average assets | 0.9000% | 1,375 |
| Noninterest expense to average assets | 2.5472% | 3,893 |
| Loan and lease loss provision to assets | 0.2604% | 725 |
| Net operating income to assets | 0.6787% | 3,907 |
| Return on assets (ROA) | 0.6526% | 4,179 |
| Pretax return on assets | 0.9567% | 3,758 |
| Return on Equity (ROE) | 5.4723% | 4,300 |
| Retained earnings to average equity (ytd only) | 1.0415% | 4,973 |
| Net charge-offs to loans | 0.1888% | 1,216 |
| Credit loss provision to net charge-offs | 199.3488% | 1,313 |
| Earnings coverage of net charge-offs (x) | 9.5089% | 2,420 |
| Efficiency ratio | 65.6628% | 3,737 |
| Assets per employee ($millions) | 6.3778% | 1,147 |
| Cash dividends to net income (ytd only)* | 80.9678% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0179% | 4,417 |
| Loan loss allowance to noncurrent loans | 125.5298% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 2,639 |
| Noncurrent loans to loans | 0.8109% | 2,722 |
| Net loans and leases to total assets | 67.9128% | 2,786 |
| Net loans and leases to deposits | 90.9924% | 1,632 |
| Net loans and leases to core deposits | 94.2554% | 2,140 |
| Total domestic deposits to total assets | 74.6357% | 5,455 |
| Equity capital to assets | 11.9149% | 2,181 |
| Core capital (leverage) ratio | 8.0268% | 5,713 |
| Tier 1 risk-based capital ratio | 10.2173% | 5,785 |
| Total risk-based capital ratio | 11.1961% | 5,815 |
| Memoranda: | ||
| Average total assets | $19,513,147,000 | 79 |
| Average earning assets | $17,296,185,330 | 79 |
| Average equity | $2,327,015,000 | 74 |
| Average total loans | $13,499,404,330 | 76 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 4,841 |
| Cost of funding earning assets | 0.3026% | 4,136 |
| Net interest margin | 3.2189% | 4,517 |
| Noninterest income to average assets | 0.8304% | 1,517 |
| Noninterest expense to average assets | 2.7156% | 3,362 |
| Loan and lease loss provision to assets | 0.2184% | 881 |
| Net operating income to assets | 0.5150% | 4,565 |
| Return on assets (ROA) | 0.4867% | 4,783 |
| Pretax return on assets | 0.7260% | 4,428 |
| Return on Equity (ROE) | 4.0794% | 4,865 |
| Retained earnings to average equity (ytd only) | -0.5280% | 5,204 |
| Net charge-offs to loans | 0.1299% | 1,325 |
| Credit loss provision to net charge-offs | 242.0132% | 963 |
| Earnings coverage of net charge-offs (x) | 10.7727% | 1,905 |
| Efficiency ratio | 72.1868% | 2,772 |
| Assets per employee ($millions) | 6.2757% | 1,235 |
| Cash dividends to net income (ytd only)* | 112.9437% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 4,613 |
| Loan loss allowance to noncurrent loans | 123.6718% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.8107% | 2,661 |
| Noncurrent loans to loans | 0.8084% | 2,819 |
| Net loans and leases to total assets | 68.9596% | 2,505 |
| Net loans and leases to deposits | 89.3224% | 1,657 |
| Net loans and leases to core deposits | 93.0164% | 2,086 |
| Total domestic deposits to total assets | 77.2030% | 5,264 |
| Equity capital to assets | 12.3295% | 1,800 |
| Core capital (leverage) ratio | 8.8672% | 5,003 |
| Tier 1 risk-based capital ratio | 10.6608% | 5,678 |
| Total risk-based capital ratio | 11.6336% | 5,717 |
| Memoranda: | ||
| Average total assets | $18,755,841,000 | 82 |
| Average earning assets | $16,650,353,000 | 82 |
| Average equity | $2,237,800,500 | 75 |
| Average total loans | $13,035,408,000 | 76 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4888% | 4,949 |
| Cost of funding earning assets | 0.2823% | 4,462 |
| Net interest margin | 3.2065% | 4,611 |
| Noninterest income to average assets | 0.8910% | 1,465 |
| Noninterest expense to average assets | 2.1463% | 5,157 |
| Loan and lease loss provision to assets | 0.2002% | 1,070 |
| Net operating income to assets | 0.9608% | 2,572 |
| Return on assets (ROA) | 0.9313% | 2,782 |
| Pretax return on assets | 1.3541% | 2,088 |
| Return on Equity (ROE) | 7.8147% | 3,057 |
| Retained earnings to average equity (ytd only) | 3.6392% | 3,460 |
| Net charge-offs to loans | 0.1492% | 1,874 |
| Credit loss provision to net charge-offs | 192.2115% | 1,441 |
| Earnings coverage of net charge-offs (x) | 15.1911% | 2,222 |
| Efficiency ratio | 56.2926% | 5,317 |
| Assets per employee ($millions) | 6.3706% | 1,158 |
| Cash dividends to net income (ytd only)* | 53.4314% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,972 |
| Loan loss allowance to noncurrent loans | 162.3453% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.6953% | 2,962 |
| Noncurrent loans to loans | 0.6861% | 3,135 |
| Net loans and leases to total assets | 68.5483% | 2,618 |
| Net loans and leases to deposits | 92.5834% | 1,339 |
| Net loans and leases to core deposits | 96.2643% | 1,821 |
| Total domestic deposits to total assets | 74.0395% | 5,643 |
| Equity capital to assets | 11.4698% | 2,386 |
| Core capital (leverage) ratio | 8.0318% | 5,823 |
| Tier 1 risk-based capital ratio | 10.1894% | 5,898 |
| Total risk-based capital ratio | 11.2662% | 5,894 |
| Memoranda: | ||
| Average total assets | $16,504,800,800 | 84 |
| Average earning assets | $14,606,464,200 | 85 |
| Average equity | $1,966,943,000 | 80 |
| Average total loans | $11,523,342,000 | 79 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5045% | 4,975 |
| Cost of funding earning assets | 0.2833% | 4,528 |
| Net interest margin | 3.2213% | 4,607 |
| Noninterest income to average assets | 0.8839% | 1,499 |
| Noninterest expense to average assets | 2.1374% | 5,196 |
| Loan and lease loss provision to assets | 0.1841% | 1,124 |
| Net operating income to assets | 0.9819% | 2,565 |
| Return on assets (ROA) | 0.9502% | 2,803 |
| Pretax return on assets | 1.3784% | 2,106 |
| Return on Equity (ROE) | 7.8943% | 3,132 |
| Retained earnings to average equity (ytd only) | 3.7048% | 3,831 |
| Net charge-offs to loans | 0.1435% | 1,687 |
| Credit loss provision to net charge-offs | 183.4339% | 1,447 |
| Earnings coverage of net charge-offs (x) | 15.8749% | 2,155 |
| Efficiency ratio | 56.0178% | 5,353 |
| Assets per employee ($millions) | 6.0771% | 1,315 |
| Cash dividends to net income (ytd only)* | 53.0693% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 4,245 |
| Loan loss allowance to noncurrent loans | 165.2303% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.6975% | 3,163 |
| Noncurrent loans to loans | 0.6636% | 3,342 |
| Net loans and leases to total assets | 69.6251% | 2,445 |
| Net loans and leases to deposits | 89.9249% | 1,660 |
| Net loans and leases to core deposits | 93.7939% | 2,095 |
| Total domestic deposits to total assets | 77.4258% | 5,279 |
| Equity capital to assets | 11.9633% | 2,134 |
| Core capital (leverage) ratio | 8.0842% | 5,856 |
| Tier 1 risk-based capital ratio | 10.4075% | 5,917 |
| Total risk-based capital ratio | 11.4764% | 5,914 |
| Memoranda: | ||
| Average total assets | $16,286,220,000 | 86 |
| Average earning assets | $14,393,139,250 | 85 |
| Average equity | $1,960,340,750 | 80 |
| Average total loans | $11,392,357,500 | 81 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5103% | 4,956 |
| Cost of funding earning assets | 0.2817% | 4,590 |
| Net interest margin | 3.2286% | 4,567 |
| Noninterest income to average assets | 0.9032% | 1,432 |
| Noninterest expense to average assets | 2.1526% | 5,216 |
| Loan and lease loss provision to assets | 0.1666% | 1,258 |
| Net operating income to assets | 0.9984% | 2,399 |
| Return on assets (ROA) | 0.9647% | 2,675 |
| Pretax return on assets | 1.4017% | 1,974 |
| Return on Equity (ROE) | 7.9981% | 3,055 |
| Retained earnings to average equity (ytd only) | 3.7853% | 3,598 |
| Net charge-offs to loans | 0.1446% | 1,626 |
| Credit loss provision to net charge-offs | 165.0484% | 1,438 |
| Earnings coverage of net charge-offs (x) | 15.8713% | 1,943 |
| Efficiency ratio | 56.0428% | 5,425 |
| Assets per employee ($millions) | 6.0870% | 1,289 |
| Cash dividends to net income (ytd only)* | 52.6724% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 4,457 |
| Loan loss allowance to noncurrent loans | 158.7240% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7162% | 3,244 |
| Noncurrent loans to loans | 0.6783% | 3,453 |
| Net loans and leases to total assets | 69.1765% | 2,456 |
| Net loans and leases to deposits | 90.9081% | 1,492 |
| Net loans and leases to core deposits | 93.0929% | 2,053 |
| Total domestic deposits to total assets | 76.0951% | 5,585 |
| Equity capital to assets | 11.9691% | 2,053 |
| Core capital (leverage) ratio | 8.1336% | 5,845 |
| Tier 1 risk-based capital ratio | 10.4502% | 5,942 |
| Total risk-based capital ratio | 11.4950% | 5,958 |
| Memoranda: | ||
| Average total assets | $16,162,547,000 | 88 |
| Average earning assets | $14,273,986,670 | 87 |
| Average equity | $1,949,537,330 | 83 |
| Average total loans | $11,281,078,670 | 83 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 4,916 |
| Cost of funding earning assets | 0.2812% | 4,656 |
| Net interest margin | 3.2335% | 4,475 |
| Noninterest income to average assets | 0.8850% | 1,435 |
| Noninterest expense to average assets | 2.1458% | 5,286 |
| Loan and lease loss provision to assets | 0.1637% | 1,226 |
| Net operating income to assets | 1.0037% | 2,253 |
| Return on assets (ROA) | 0.9695% | 2,533 |
| Pretax return on assets | 1.3937% | 1,908 |
| Return on Equity (ROE) | 8.0063% | 2,952 |
| Retained earnings to average equity (ytd only) | 3.7759% | 3,742 |
| Net charge-offs to loans | 0.1332% | 1,450 |
| Credit loss provision to net charge-offs | 176.3299% | 1,141 |
| Earnings coverage of net charge-offs (x) | 17.1394% | 1,539 |
| Efficiency ratio | 56.0691% | 5,511 |
| Assets per employee ($millions) | 5.9423% | 1,431 |
| Cash dividends to net income (ytd only)* | 52.8384% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 4,633 |
| Loan loss allowance to noncurrent loans | 144.7784% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 3,182 |
| Noncurrent loans to loans | 0.7435% | 3,403 |
| Net loans and leases to total assets | 69.1561% | 2,257 |
| Net loans and leases to deposits | 93.2682% | 1,062 |
| Net loans and leases to core deposits | 95.2970% | 1,673 |
| Total domestic deposits to total assets | 74.1476% | 5,891 |
| Equity capital to assets | 12.1472% | 1,927 |
| Core capital (leverage) ratio | 8.1711% | 5,836 |
| Tier 1 risk-based capital ratio | 10.0925% | 6,145 |
| Total risk-based capital ratio | 11.0991% | 6,167 |
| Memoranda: | ||
| Average total assets | $16,032,425,500 | 87 |
| Average earning assets | $14,142,881,500 | 89 |
| Average equity | $1,941,475,500 | 82 |
| Average total loans | $11,179,435,500 | 83 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6504% | 4,929 |
| Cost of funding earning assets | 0.2810% | 4,994 |
| Net interest margin | 3.3694% | 4,331 |
| Noninterest income to average assets | 0.9147% | 1,459 |
| Noninterest expense to average assets | 2.3518% | 4,971 |
| Loan and lease loss provision to assets | 0.2143% | 1,165 |
| Net operating income to assets | 0.8975% | 2,887 |
| Return on assets (ROA) | 0.9136% | 2,903 |
| Pretax return on assets | 1.3282% | 2,145 |
| Return on Equity (ROE) | 7.3957% | 3,417 |
| Retained earnings to average equity (ytd only) | 3.0471% | 4,071 |
| Net charge-offs to loans | 0.1621% | 2,408 |
| Credit loss provision to net charge-offs | 190.9715% | 1,293 |
| Earnings coverage of net charge-offs (x) | 13.4025% | 2,269 |
| Efficiency ratio | 59.3675% | 5,300 |
| Assets per employee ($millions) | 5.8963% | 1,452 |
| Cash dividends to net income (ytd only)* | 58.7987% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 4,726 |
| Loan loss allowance to noncurrent loans | 134.3170% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8096% | 3,179 |
| Noncurrent loans to loans | 0.7937% | 3,324 |
| Net loans and leases to total assets | 68.8087% | 2,440 |
| Net loans and leases to deposits | 95.3319% | 956 |
| Net loans and leases to core deposits | 97.5209% | 1,590 |
| Total domestic deposits to total assets | 72.1780% | 6,069 |
| Equity capital to assets | 12.0718% | 1,966 |
| Core capital (leverage) ratio | 8.0672% | 5,953 |
| Tier 1 risk-based capital ratio | 10.4649% | 6,120 |
| Total risk-based capital ratio | 11.5165% | 6,133 |
| Memoranda: | ||
| Average total assets | $14,807,990,000 | 87 |
| Average earning assets | $12,924,495,200 | 93 |
| Average equity | $1,829,332,400 | 82 |
| Average total loans | $10,249,974,800 | 86 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 4,997 |
| Cost of funding earning assets | 0.2786% | 5,112 |
| Net interest margin | 3.3729% | 4,340 |
| Noninterest income to average assets | 0.9085% | 1,499 |
| Noninterest expense to average assets | 2.3774% | 4,889 |
| Loan and lease loss provision to assets | 0.2190% | 1,044 |
| Net operating income to assets | 0.8701% | 3,073 |
| Return on assets (ROA) | 0.9026% | 2,996 |
| Pretax return on assets | 1.3110% | 2,335 |
| Return on Equity (ROE) | 7.2606% | 3,577 |
| Retained earnings to average equity (ytd only) | 2.9011% | 4,536 |
| Net charge-offs to loans | 0.1840% | 1,985 |
| Credit loss provision to net charge-offs | 172.2435% | 1,439 |
| Earnings coverage of net charge-offs (x) | 11.5403% | 2,419 |
| Efficiency ratio | 60.1839% | 5,152 |
| Assets per employee ($millions) | 5.6421% | 1,602 |
| Cash dividends to net income (ytd only)* | 60.0431% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 5,008 |
| Loan loss allowance to noncurrent loans | 116.5528% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8723% | 3,249 |
| Noncurrent loans to loans | 0.8981% | 3,321 |
| Net loans and leases to total assets | 68.7397% | 2,429 |
| Net loans and leases to deposits | 92.3663% | 1,196 |
| Net loans and leases to core deposits | 94.4992% | 1,808 |
| Total domestic deposits to total assets | 74.4208% | 5,978 |
| Equity capital to assets | 12.2891% | 1,841 |
| Core capital (leverage) ratio | 8.3554% | 5,794 |
| Tier 1 risk-based capital ratio | 10.6498% | 6,154 |
| Total risk-based capital ratio | 11.6873% | 6,178 |
| Memoranda: | ||
| Average total assets | $14,519,691,750 | 90 |
| Average earning assets | $12,640,908,000 | 93 |
| Average equity | $1,804,963,500 | 83 |
| Average total loans | $10,037,212,000 | 87 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6402% | 5,039 |
| Cost of funding earning assets | 0.2760% | 5,228 |
| Net interest margin | 3.3642% | 4,339 |
| Noninterest income to average assets | 0.9156% | 1,442 |
| Noninterest expense to average assets | 2.4068% | 4,861 |
| Loan and lease loss provision to assets | 0.2001% | 1,204 |
| Net operating income to assets | 0.8609% | 3,008 |
| Return on assets (ROA) | 0.9184% | 2,815 |
| Pretax return on assets | 1.3288% | 2,152 |
| Return on Equity (ROE) | 7.3572% | 3,440 |
| Retained earnings to average equity (ytd only) | 2.9082% | 4,353 |
| Net charge-offs to loans | 0.1644% | 2,078 |
| Credit loss provision to net charge-offs | 176.3623% | 1,299 |
| Earnings coverage of net charge-offs (x) | 12.6059% | 2,046 |
| Efficiency ratio | 61.0548% | 5,137 |
| Assets per employee ($millions) | 5.4780% | 1,715 |
| Cash dividends to net income (ytd only)* | 60.4712% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 5,009 |
| Loan loss allowance to noncurrent loans | 90.4149% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.0850% | 2,891 |
| Noncurrent loans to loans | 1.1883% | 2,853 |
| Net loans and leases to total assets | 67.8781% | 2,429 |
| Net loans and leases to deposits | 90.0075% | 1,371 |
| Net loans and leases to core deposits | 91.7850% | 1,951 |
| Total domestic deposits to total assets | 75.4139% | 5,980 |
| Equity capital to assets | 12.2923% | 1,780 |
| Core capital (leverage) ratio | 8.1435% | 5,988 |
| Tier 1 risk-based capital ratio | 10.6148% | 6,213 |
| Total risk-based capital ratio | 11.6746% | 6,226 |
| Memoranda: | ||
| Average total assets | $14,168,816,670 | 94 |
| Average earning assets | $12,304,427,670 | 95 |
| Average equity | $1,768,719,330 | 81 |
| Average total loans | $9,777,082,330 | 87 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 5,102 |
| Cost of funding earning assets | 0.2747% | 5,338 |
| Net interest margin | 3.3455% | 4,350 |
| Noninterest income to average assets | 0.8614% | 1,517 |
| Noninterest expense to average assets | 2.4839% | 4,674 |
| Loan and lease loss provision to assets | 0.1604% | 1,519 |
| Net operating income to assets | 0.7930% | 3,187 |
| Return on assets (ROA) | 0.9478% | 2,484 |
| Pretax return on assets | 1.3545% | 1,900 |
| Return on Equity (ROE) | 7.5310% | 3,181 |
| Retained earnings to average equity (ytd only) | 3.0119% | 4,305 |
| Net charge-offs to loans | 0.1566% | 1,777 |
| Credit loss provision to net charge-offs | 148.0128% | 1,274 |
| Earnings coverage of net charge-offs (x) | 11.8170% | 1,757 |
| Efficiency ratio | 64.3032% | 4,812 |
| Assets per employee ($millions) | 5.2389% | 1,972 |
| Cash dividends to net income (ytd only)* | 60.0061% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 5,238 |
| Loan loss allowance to noncurrent loans | 85.2809% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.1611% | 2,936 |
| Noncurrent loans to loans | 1.2573% | 2,937 |
| Net loans and leases to total assets | 67.8017% | 2,257 |
| Net loans and leases to deposits | 87.5415% | 1,413 |
| Net loans and leases to core deposits | 89.3604% | 1,972 |
| Total domestic deposits to total assets | 77.4509% | 5,905 |
| Equity capital to assets | 12.6166% | 1,513 |
| Core capital (leverage) ratio | 8.4780% | 5,674 |
| Tier 1 risk-based capital ratio | 10.8339% | 6,228 |
| Total risk-based capital ratio | 11.8819% | 6,263 |
| Memoranda: | ||
| Average total assets | $13,836,043,500 | 92 |
| Average earning assets | $12,006,850,500 | 93 |
| Average equity | $1,741,339,500 | 80 |
| Average total loans | $9,576,297,500 | 87 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 4,972 |
| Cost of funding earning assets | 0.2992% | 5,603 |
| Net interest margin | 3.4512% | 4,096 |
| Noninterest income to average assets | 1.0086% | 1,377 |
| Noninterest expense to average assets | 2.4751% | 4,845 |
| Loan and lease loss provision to assets | 0.1955% | 1,897 |
| Net operating income to assets | 0.9568% | 2,533 |
| Return on assets (ROA) | 0.9174% | 2,779 |
| Pretax return on assets | 1.2919% | 2,192 |
| Return on Equity (ROE) | 7.3628% | 3,377 |
| Retained earnings to average equity (ytd only) | 2.7235% | 4,297 |
| Net charge-offs to loans | 0.2136% | 2,750 |
| Credit loss provision to net charge-offs | 133.1211% | 1,770 |
| Earnings coverage of net charge-offs (x) | 10.3830% | 2,381 |
| Efficiency ratio | 60.2621% | 5,437 |
| Assets per employee ($millions) | 5.0837% | 2,087 |
| Cash dividends to net income (ytd only)* | 63.0096% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 5,130 |
| Loan loss allowance to noncurrent loans | 94.9851% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.2825% | 2,855 |
| Noncurrent loans to loans | 1.1614% | 3,220 |
| Net loans and leases to total assets | 69.1634% | 2,147 |
| Net loans and leases to deposits | 89.3942% | 1,297 |
| Net loans and leases to core deposits | 91.2801% | 1,878 |
| Total domestic deposits to total assets | 77.3690% | 5,919 |
| Equity capital to assets | 12.5523% | 1,492 |
| Core capital (leverage) ratio | 8.2810% | 5,894 |
| Tier 1 risk-based capital ratio | 10.4032% | 6,398 |
| Total risk-based capital ratio | 11.4966% | 6,403 |
| Memoranda: | ||
| Average total assets | $12,404,888,600 | 99 |
| Average earning assets | $10,753,150,400 | 99 |
| Average equity | $1,545,569,800 | 92 |
| Average total loans | $8,529,045,000 | 90 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 5,077 |
| Cost of funding earning assets | 0.3093% | 5,648 |
| Net interest margin | 3.4245% | 4,188 |
| Noninterest income to average assets | 1.0390% | 1,347 |
| Noninterest expense to average assets | 2.4613% | 4,833 |
| Loan and lease loss provision to assets | 0.1951% | 1,868 |
| Net operating income to assets | 0.9756% | 2,483 |
| Return on assets (ROA) | 0.9369% | 2,766 |
| Pretax return on assets | 1.3142% | 2,285 |
| Return on Equity (ROE) | 7.5350% | 3,362 |
| Retained earnings to average equity (ytd only) | 2.8759% | 4,604 |
| Net charge-offs to loans | 0.1969% | 2,659 |
| Credit loss provision to net charge-offs | 144.8079% | 1,625 |
| Earnings coverage of net charge-offs (x) | 11.4724% | 2,243 |
| Efficiency ratio | 59.8505% | 5,461 |
| Assets per employee ($millions) | 4.9221% | 2,271 |
| Cash dividends to net income (ytd only)* | 61.8328% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 4,956 |
| Loan loss allowance to noncurrent loans | 93.1560% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.3141% | 3,019 |
| Noncurrent loans to loans | 1.2686% | 3,283 |
| Net loans and leases to total assets | 68.1254% | 2,272 |
| Net loans and leases to deposits | 87.3011% | 1,458 |
| Net loans and leases to core deposits | 89.1868% | 2,052 |
| Total domestic deposits to total assets | 78.0350% | 5,894 |
| Equity capital to assets | 12.2919% | 1,719 |
| Core capital (leverage) ratio | 8.2692% | 6,000 |
| Tier 1 risk-based capital ratio | 10.3546% | 6,493 |
| Total risk-based capital ratio | 11.5343% | 6,484 |
| Memoranda: | ||
| Average total assets | $12,161,017,750 | 100 |
| Average earning assets | $10,539,351,250 | 100 |
| Average equity | $1,512,074,500 | 93 |
| Average total loans | $8,321,920,000 | 92 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7393% | 5,025 |
| Cost of funding earning assets | 0.3247% | 5,618 |
| Net interest margin | 3.4146% | 4,138 |
| Noninterest income to average assets | 1.0565% | 1,368 |
| Noninterest expense to average assets | 2.4643% | 4,854 |
| Loan and lease loss provision to assets | 0.2038% | 1,863 |
| Net operating income to assets | 0.9497% | 2,574 |
| Return on assets (ROA) | 0.9133% | 2,867 |
| Pretax return on assets | 1.3146% | 2,253 |
| Return on Equity (ROE) | 7.3158% | 3,435 |
| Retained earnings to average equity (ytd only) | 2.6427% | 4,625 |
| Net charge-offs to loans | 0.2046% | 2,530 |
| Credit loss provision to net charge-offs | 145.9108% | 1,572 |
| Earnings coverage of net charge-offs (x) | 11.1062% | 2,083 |
| Efficiency ratio | 59.7994% | 5,508 |
| Assets per employee ($millions) | 4.8327% | 2,320 |
| Cash dividends to net income (ytd only)* | 63.8768% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,050 |
| Loan loss allowance to noncurrent loans | 88.1916% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3735% | 3,044 |
| Noncurrent loans to loans | 1.3473% | 3,302 |
| Net loans and leases to total assets | 67.8407% | 2,275 |
| Net loans and leases to deposits | 86.0551% | 1,575 |
| Net loans and leases to core deposits | 88.0208% | 2,106 |
| Total domestic deposits to total assets | 78.8341% | 5,830 |
| Equity capital to assets | 12.4398% | 1,617 |
| Core capital (leverage) ratio | 8.2764% | 5,910 |
| Tier 1 risk-based capital ratio | 10.4434% | 6,525 |
| Total risk-based capital ratio | 11.6270% | 6,517 |
| Memoranda: | ||
| Average total assets | $12,012,860,000 | 100 |
| Average earning assets | $10,409,084,000 | 99 |
| Average equity | $1,499,613,670 | 93 |
| Average total loans | $8,199,146,330 | 92 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 5,025 |
| Cost of funding earning assets | 0.3483% | 5,551 |
| Net interest margin | 3.3907% | 4,152 |
| Noninterest income to average assets | 1.0311% | 1,396 |
| Noninterest expense to average assets | 2.4282% | 5,022 |
| Loan and lease loss provision to assets | 0.2034% | 1,823 |
| Net operating income to assets | 0.9428% | 2,462 |
| Return on assets (ROA) | 0.9132% | 2,739 |
| Pretax return on assets | 1.3125% | 2,185 |
| Return on Equity (ROE) | 7.3017% | 3,327 |
| Retained earnings to average equity (ytd only) | 2.6391% | 4,700 |
| Net charge-offs to loans | 0.1264% | 2,661 |
| Credit loss provision to net charge-offs | 236.5854% | 966 |
| Earnings coverage of net charge-offs (x) | 17.8985% | 1,288 |
| Efficiency ratio | 59.6535% | 5,634 |
| Assets per employee ($millions) | 4.7372% | 2,588 |
| Cash dividends to net income (ytd only)* | 63.8566% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 4,973 |
| Loan loss allowance to noncurrent loans | 91.8332% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3608% | 3,234 |
| Noncurrent loans to loans | 1.3562% | 3,533 |
| Net loans and leases to total assets | 67.5841% | 2,094 |
| Net loans and leases to deposits | 85.5250% | 1,416 |
| Net loans and leases to core deposits | 87.4717% | 1,961 |
| Total domestic deposits to total assets | 79.0226% | 5,956 |
| Equity capital to assets | 12.5602% | 1,677 |
| Core capital (leverage) ratio | 8.1533% | 5,985 |
| Tier 1 risk-based capital ratio | 10.4623% | 6,587 |
| Total risk-based capital ratio | 11.7088% | 6,575 |
| Memoranda: | ||
| Average total assets | $11,826,168,500 | 101 |
| Average earning assets | $10,240,401,000 | 101 |
| Average equity | $1,479,007,000 | 96 |
| Average total loans | $8,046,740,500 | 94 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 4,947 |
| Cost of funding earning assets | 0.4712% | 5,413 |
| Net interest margin | 3.6294% | 3,969 |
| Noninterest income to average assets | 1.0864% | 1,313 |
| Noninterest expense to average assets | 2.5774% | 4,827 |
| Loan and lease loss provision to assets | 0.2237% | 2,890 |
| Net operating income to assets | 1.0013% | 2,328 |
| Return on assets (ROA) | 0.9534% | 2,781 |
| Pretax return on assets | 1.3569% | 2,187 |
| Return on Equity (ROE) | 7.6178% | 3,279 |
| Retained earnings to average equity (ytd only) | 2.7246% | 4,319 |
| Net charge-offs to loans | 0.2870% | 3,225 |
| Credit loss provision to net charge-offs | 115.6648% | 2,500 |
| Earnings coverage of net charge-offs (x) | 8.4205% | 2,417 |
| Efficiency ratio | 59.4881% | 5,619 |
| Assets per employee ($millions) | 4.6994% | 2,645 |
| Cash dividends to net income (ytd only)* | 64.2332% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 5,054 |
| Loan loss allowance to noncurrent loans | 95.1202% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.2796% | 3,512 |
| Noncurrent loans to loans | 1.2754% | 3,704 |
| Net loans and leases to total assets | 66.8276% | 2,397 |
| Net loans and leases to deposits | 85.9845% | 1,519 |
| Net loans and leases to core deposits | 87.9597% | 2,090 |
| Total domestic deposits to total assets | 77.7205% | 6,122 |
| Equity capital to assets | 12.4524% | 1,745 |
| Core capital (leverage) ratio | 8.0594% | 6,133 |
| Tier 1 risk-based capital ratio | 10.4155% | 6,582 |
| Total risk-based capital ratio | 11.6318% | 6,562 |
| Memoranda: | ||
| Average total assets | $11,260,703,600 | 106 |
| Average earning assets | $9,678,060,200 | 106 |
| Average equity | $1,409,364,000 | 98 |
| Average total loans | $7,586,409,600 | 97 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 4,928 |
| Cost of funding earning assets | 0.4907% | 5,502 |
| Net interest margin | 3.6769% | 3,894 |
| Noninterest income to average assets | 1.0850% | 1,279 |
| Noninterest expense to average assets | 2.6282% | 4,646 |
| Loan and lease loss provision to assets | 0.2136% | 2,933 |
| Net operating income to assets | 0.9963% | 2,532 |
| Return on assets (ROA) | 0.9487% | 2,980 |
| Pretax return on assets | 1.3533% | 2,403 |
| Return on Equity (ROE) | 7.5696% | 3,493 |
| Retained earnings to average equity (ytd only) | 2.6193% | 4,995 |
| Net charge-offs to loans | 0.2810% | 3,041 |
| Credit loss provision to net charge-offs | 112.9861% | 2,588 |
| Earnings coverage of net charge-offs (x) | 8.5357% | 2,432 |
| Efficiency ratio | 60.1383% | 5,471 |
| Assets per employee ($millions) | 4.5814% | 2,776 |
| Cash dividends to net income (ytd only)* | 65.3968% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 5,189 |
| Loan loss allowance to noncurrent loans | 91.6689% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.2947% | 3,707 |
| Noncurrent loans to loans | 1.3323% | 3,808 |
| Net loans and leases to total assets | 65.6987% | 2,710 |
| Net loans and leases to deposits | 83.9485% | 1,878 |
| Net loans and leases to core deposits | 85.8576% | 2,483 |
| Total domestic deposits to total assets | 78.2607% | 6,020 |
| Equity capital to assets | 12.4563% | 1,920 |
| Core capital (leverage) ratio | 8.0374% | 6,292 |
| Tier 1 risk-based capital ratio | 10.4648% | 6,677 |
| Total risk-based capital ratio | 11.7130% | 6,658 |
| Memoranda: | ||
| Average total assets | $11,115,280,750 | 106 |
| Average earning assets | $9,544,271,750 | 107 |
| Average equity | $1,393,040,250 | 101 |
| Average total loans | $7,480,217,250 | 99 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 4,673 |
| Cost of funding earning assets | 0.5188% | 5,491 |
| Net interest margin | 3.7537% | 3,569 |
| Noninterest income to average assets | 1.0870% | 1,210 |
| Noninterest expense to average assets | 2.7504% | 4,214 |
| Loan and lease loss provision to assets | 0.1984% | 3,097 |
| Net operating income to assets | 0.9608% | 2,613 |
| Return on assets (ROA) | 0.9153% | 3,095 |
| Pretax return on assets | 1.3123% | 2,511 |
| Return on Equity (ROE) | 7.2874% | 3,621 |
| Retained earnings to average equity (ytd only) | 2.2447% | 5,070 |
| Net charge-offs to loans | 0.2655% | 2,990 |
| Credit loss provision to net charge-offs | 110.5856% | 2,457 |
| Earnings coverage of net charge-offs (x) | 8.6625% | 2,262 |
| Efficiency ratio | 62.0429% | 5,240 |
| Assets per employee ($millions) | 4.5322% | 2,840 |
| Cash dividends to net income (ytd only)* | 69.1973% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 5,222 |
| Loan loss allowance to noncurrent loans | 86.4366% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.3612% | 3,715 |
| Noncurrent loans to loans | 1.4204% | 3,782 |
| Net loans and leases to total assets | 66.0026% | 2,668 |
| Net loans and leases to deposits | 83.8744% | 1,867 |
| Net loans and leases to core deposits | 85.7915% | 2,455 |
| Total domestic deposits to total assets | 78.6921% | 6,021 |
| Equity capital to assets | 12.5555% | 1,780 |
| Core capital (leverage) ratio | 7.9671% | 6,307 |
| Tier 1 risk-based capital ratio | 10.4475% | 6,714 |
| Total risk-based capital ratio | 11.7061% | 6,694 |
| Memoranda: | ||
| Average total assets | $10,887,983,330 | 105 |
| Average earning assets | $9,333,568,330 | 105 |
| Average equity | $1,367,558,330 | 104 |
| Average total loans | $7,358,152,670 | 98 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3764% | 4,424 |
| Cost of funding earning assets | 0.5675% | 5,377 |
| Net interest margin | 3.8089% | 3,354 |
| Noninterest income to average assets | 1.0944% | 1,195 |
| Noninterest expense to average assets | 2.9877% | 3,298 |
| Loan and lease loss provision to assets | 0.2049% | 2,906 |
| Net operating income to assets | 0.8474% | 3,175 |
| Return on assets (ROA) | 0.7983% | 3,623 |
| Pretax return on assets | 1.1155% | 3,262 |
| Return on Equity (ROE) | 6.3544% | 4,114 |
| Retained earnings to average equity (ytd only) | 1.1528% | 5,625 |
| Net charge-offs to loans | 0.2076% | 2,886 |
| Credit loss provision to net charge-offs | 145.1665% | 1,705 |
| Earnings coverage of net charge-offs (x) | 9.6960% | 1,819 |
| Efficiency ratio | 66.7322% | 4,419 |
| Assets per employee ($millions) | 4.5485% | 2,902 |
| Cash dividends to net income (ytd only)* | 81.8583% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 5,260 |
| Loan loss allowance to noncurrent loans | 68.9172% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.6389% | 3,395 |
| Noncurrent loans to loans | 1.8103% | 3,396 |
| Net loans and leases to total assets | 65.5563% | 2,552 |
| Net loans and leases to deposits | 82.5092% | 1,862 |
| Net loans and leases to core deposits | 84.4759% | 2,484 |
| Total domestic deposits to total assets | 79.4533% | 5,985 |
| Equity capital to assets | 12.4692% | 1,742 |
| Core capital (leverage) ratio | 8.0024% | 6,259 |
| Tier 1 risk-based capital ratio | 10.4184% | 6,762 |
| Total risk-based capital ratio | 11.6954% | 6,750 |
| Memoranda: | ||
| Average total assets | $10,553,471,000 | 107 |
| Average earning assets | $9,037,728,500 | 106 |
| Average equity | $1,325,815,000 | 106 |
| Average total loans | $7,175,862,000 | 99 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 5,458 |
| Cost of funding earning assets | 0.7419% | 5,267 |
| Net interest margin | 3.6499% | 4,522 |
| Noninterest income to average assets | 1.1348% | 1,019 |
| Noninterest expense to average assets | 2.6887% | 4,785 |
| Loan and lease loss provision to assets | 0.2906% | 3,339 |
| Net operating income to assets | 0.9307% | 2,482 |
| Return on assets (ROA) | 0.9005% | 2,735 |
| Pretax return on assets | 1.2625% | 2,264 |
| Return on Equity (ROE) | 7.1313% | 3,338 |
| Retained earnings to average equity (ytd only) | 2.1353% | 4,695 |
| Net charge-offs to loans | 0.5122% | 2,940 |
| Credit loss provision to net charge-offs | 83.3227% | 4,315 |
| Earnings coverage of net charge-offs (x) | 4.5104% | 3,087 |
| Efficiency ratio | 61.4485% | 5,545 |
| Assets per employee ($millions) | 4.2620% | 3,338 |
| Cash dividends to net income (ytd only)* | 70.0568% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 4,460 |
| Loan loss allowance to noncurrent loans | 89.2021% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.5368% | 3,645 |
| Noncurrent loans to loans | 1.5691% | 3,804 |
| Net loans and leases to total assets | 68.9542% | 2,218 |
| Net loans and leases to deposits | 88.5331% | 1,318 |
| Net loans and leases to core deposits | 90.8292% | 2,008 |
| Total domestic deposits to total assets | 77.8852% | 6,217 |
| Equity capital to assets | 12.6754% | 1,678 |
| Core capital (leverage) ratio | 8.2722% | 5,891 |
| Tier 1 risk-based capital ratio | 10.4350% | 6,711 |
| Total risk-based capital ratio | 11.7953% | 6,646 |
| Memoranda: | ||
| Average total assets | $9,459,631,000 | 113 |
| Average earning assets | $8,104,008,600 | 117 |
| Average equity | $1,194,568,200 | 112 |
| Average total loans | $6,440,866,200 | 102 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 5,548 |
| Cost of funding earning assets | 0.7733% | 5,315 |
| Net interest margin | 3.6456% | 4,587 |
| Noninterest income to average assets | 1.1350% | 1,025 |
| Noninterest expense to average assets | 2.6866% | 4,781 |
| Loan and lease loss provision to assets | 0.2971% | 3,148 |
| Net operating income to assets | 0.9317% | 2,613 |
| Return on assets (ROA) | 0.8748% | 2,988 |
| Pretax return on assets | 1.2211% | 2,556 |
| Return on Equity (ROE) | 6.9337% | 3,556 |
| Retained earnings to average equity (ytd only) | 1.9577% | 5,158 |
| Net charge-offs to loans | 0.3823% | 3,203 |
| Credit loss provision to net charge-offs | 114.9562% | 2,845 |
| Earnings coverage of net charge-offs (x) | 6.0929% | 2,624 |
| Efficiency ratio | 61.3953% | 5,499 |
| Assets per employee ($millions) | 4.2974% | 3,281 |
| Cash dividends to net income (ytd only)* | 71.7655% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 3,919 |
| Loan loss allowance to noncurrent loans | 80.6999% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.6942% | 3,548 |
| Noncurrent loans to loans | 1.9066% | 3,493 |
| Net loans and leases to total assets | 66.9528% | 2,681 |
| Net loans and leases to deposits | 86.7960% | 1,576 |
| Net loans and leases to core deposits | 91.0956% | 2,109 |
| Total domestic deposits to total assets | 75.6641% | 6,568 |
| Equity capital to assets | 12.5094% | 1,914 |
| Core capital (leverage) ratio | 8.1519% | 6,200 |
| Tier 1 risk-based capital ratio | 10.4454% | 6,800 |
| Total risk-based capital ratio | 11.8265% | 6,731 |
| Memoranda: | ||
| Average total assets | $9,429,295,500 | 112 |
| Average earning assets | $8,086,564,250 | 116 |
| Average equity | $1,189,602,750 | 111 |
| Average total loans | $6,376,017,000 | 100 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4595% | 5,490 |
| Cost of funding earning assets | 0.8028% | 5,347 |
| Net interest margin | 3.6567% | 4,490 |
| Noninterest income to average assets | 1.1189% | 1,034 |
| Noninterest expense to average assets | 2.7335% | 4,687 |
| Loan and lease loss provision to assets | 0.2960% | 3,034 |
| Net operating income to assets | 0.8922% | 2,673 |
| Return on assets (ROA) | 0.8348% | 3,037 |
| Pretax return on assets | 1.1704% | 2,597 |
| Return on Equity (ROE) | 6.5978% | 3,649 |
| Retained earnings to average equity (ytd only) | 1.6611% | 5,163 |
| Net charge-offs to loans | 0.3403% | 3,204 |
| Credit loss provision to net charge-offs | 128.8530% | 2,370 |
| Earnings coverage of net charge-offs (x) | 6.6320% | 2,362 |
| Efficiency ratio | 62.5438% | 5,492 |
| Assets per employee ($millions) | 4.4211% | 2,959 |
| Cash dividends to net income (ytd only)* | 74.8227% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5647% | 3,842 |
| Loan loss allowance to noncurrent loans | 85.6740% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.6623% | 3,690 |
| Noncurrent loans to loans | 1.8264% | 3,717 |
| Net loans and leases to total assets | 66.7265% | 2,876 |
| Net loans and leases to deposits | 85.3834% | 1,882 |
| Net loans and leases to core deposits | 89.3219% | 2,460 |
| Total domestic deposits to total assets | 76.8049% | 6,480 |
| Equity capital to assets | 12.5531% | 1,752 |
| Core capital (leverage) ratio | 8.1358% | 6,115 |
| Tier 1 risk-based capital ratio | 10.4559% | 6,805 |
| Total risk-based capital ratio | 11.8398% | 6,751 |
| Memoranda: | ||
| Average total assets | $9,322,161,330 | 117 |
| Average earning assets | $7,999,416,000 | 116 |
| Average equity | $1,179,551,330 | 113 |
| Average total loans | $6,291,230,000 | 103 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5273% | 5,249 |
| Cost of funding earning assets | 0.8346% | 5,368 |
| Net interest margin | 3.6928% | 4,145 |
| Noninterest income to average assets | 1.1254% | 1,035 |
| Noninterest expense to average assets | 2.9243% | 3,971 |
| Loan and lease loss provision to assets | 0.3014% | 2,750 |
| Net operating income to assets | 0.7909% | 3,076 |
| Return on assets (ROA) | 0.7324% | 3,429 |
| Pretax return on assets | 1.0095% | 3,100 |
| Return on Equity (ROE) | 5.7640% | 4,038 |
| Retained earnings to average equity (ytd only) | 0.7597% | 5,520 |
| Net charge-offs to loans | 0.3374% | 2,709 |
| Credit loss provision to net charge-offs | 132.6923% | 2,092 |
| Earnings coverage of net charge-offs (x) | 6.0275% | 2,164 |
| Efficiency ratio | 66.4232% | 4,961 |
| Assets per employee ($millions) | 5.0910% | 2,033 |
| Cash dividends to net income (ytd only)* | 86.8193% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 3,826 |
| Loan loss allowance to noncurrent loans | 84.1517% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.7032% | 3,698 |
| Noncurrent loans to loans | 1.8747% | 3,727 |
| Net loans and leases to total assets | 65.9283% | 3,029 |
| Net loans and leases to deposits | 84.2794% | 1,986 |
| Net loans and leases to core deposits | 88.0414% | 2,593 |
| Total domestic deposits to total assets | 77.1263% | 6,512 |
| Equity capital to assets | 12.5682% | 1,590 |
| Core capital (leverage) ratio | 8.1415% | 6,070 |
| Tier 1 risk-based capital ratio | 10.5637% | 6,774 |
| Total risk-based capital ratio | 11.9511% | 6,679 |
| Memoranda: | ||
| Average total assets | $9,157,595,000 | 119 |
| Average earning assets | $7,856,087,000 | 122 |
| Average equity | $1,163,561,000 | 114 |
| Average total loans | $6,165,676,000 | 106 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 6,139 |
| Cost of funding earning assets | 0.9988% | 5,700 |
| Net interest margin | 3.5927% | 4,856 |
| Noninterest income to average assets | 1.1955% | 1,046 |
| Noninterest expense to average assets | 2.5942% | 5,443 |
| Loan and lease loss provision to assets | 0.4756% | 3,282 |
| Net operating income to assets | 0.8667% | 2,529 |
| Return on assets (ROA) | 0.8087% | 2,894 |
| Pretax return on assets | 1.1403% | 2,433 |
| Return on Equity (ROE) | 6.2413% | 3,484 |
| Retained earnings to average equity (ytd only) | 1.2274% | 4,940 |
| Net charge-offs to loans | 0.6846% | 2,956 |
| Credit loss provision to net charge-offs | 103.6028% | 4,344 |
| Earnings coverage of net charge-offs (x) | 3.6421% | 3,259 |
| Efficiency ratio | 59.1069% | 6,179 |
| Assets per employee ($millions) | 4.1298% | 3,512 |
| Cash dividends to net income (ytd only)* | 80.3342% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6741% | 3,316 |
| Loan loss allowance to noncurrent loans | 82.8192% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.7950% | 3,629 |
| Noncurrent loans to loans | 2.0214% | 3,532 |
| Net loans and leases to total assets | 66.5699% | 3,338 |
| Net loans and leases to deposits | 86.4546% | 2,012 |
| Net loans and leases to core deposits | 88.9803% | 2,907 |
| Total domestic deposits to total assets | 76.6523% | 6,539 |
| Equity capital to assets | 12.8563% | 1,463 |
| Core capital (leverage) ratio | 8.3130% | 5,670 |
| Tier 1 risk-based capital ratio | 11.0118% | 6,314 |
| Total risk-based capital ratio | 12.2662% | 6,286 |
| Memoranda: | ||
| Average total assets | $8,658,232,800 | 124 |
| Average earning assets | $7,400,346,600 | 129 |
| Average equity | $1,121,890,000 | 113 |
| Average total loans | $5,805,724,400 | 109 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 6,265 |
| Cost of funding earning assets | 1.0418% | 5,732 |
| Net interest margin | 3.5852% | 4,944 |
| Noninterest income to average assets | 1.1930% | 982 |
| Noninterest expense to average assets | 2.6592% | 5,069 |
| Loan and lease loss provision to assets | 0.4937% | 2,999 |
| Net operating income to assets | 0.8059% | 2,976 |
| Return on assets (ROA) | 0.7444% | 3,392 |
| Pretax return on assets | 1.0398% | 3,027 |
| Return on Equity (ROE) | 5.7337% | 3,936 |
| Retained earnings to average equity (ytd only) | 0.6528% | 5,541 |
| Net charge-offs to loans | 0.4612% | 3,444 |
| Credit loss provision to net charge-offs | 160.0370% | 2,366 |
| Earnings coverage of net charge-offs (x) | 5.1680% | 2,828 |
| Efficiency ratio | 60.8021% | 5,824 |
| Assets per employee ($millions) | 4.0585% | 3,721 |
| Cash dividends to net income (ytd only)* | 88.6141% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8758% | 2,556 |
| Loan loss allowance to noncurrent loans | 77.9858% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 2.0128% | 3,452 |
| Noncurrent loans to loans | 2.4053% | 3,228 |
| Net loans and leases to total assets | 65.3347% | 3,838 |
| Net loans and leases to deposits | 86.5590% | 2,230 |
| Net loans and leases to core deposits | 88.7585% | 3,276 |
| Total domestic deposits to total assets | 75.4800% | 6,747 |
| Equity capital to assets | 12.8146% | 1,673 |
| Core capital (leverage) ratio | 8.2821% | 5,907 |
| Tier 1 risk-based capital ratio | 11.0502% | 6,330 |
| Total risk-based capital ratio | 12.3070% | 6,310 |
| Memoranda: | ||
| Average total assets | $8,632,941,750 | 122 |
| Average earning assets | $7,369,670,000 | 130 |
| Average equity | $1,120,829,500 | 112 |
| Average total loans | $5,774,555,250 | 110 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 6,288 |
| Cost of funding earning assets | 1.0841% | 5,762 |
| Net interest margin | 3.5724% | 4,938 |
| Noninterest income to average assets | 1.2122% | 878 |
| Noninterest expense to average assets | 2.6748% | 5,014 |
| Loan and lease loss provision to assets | 0.4967% | 2,814 |
| Net operating income to assets | 0.8003% | 2,971 |
| Return on assets (ROA) | 0.7380% | 3,397 |
| Pretax return on assets | 1.0275% | 3,018 |
| Return on Equity (ROE) | 5.6592% | 3,965 |
| Retained earnings to average equity (ytd only) | 0.8191% | 5,445 |
| Net charge-offs to loans | 0.4113% | 3,343 |
| Credit loss provision to net charge-offs | 180.2538% | 2,176 |
| Earnings coverage of net charge-offs (x) | 5.7561% | 2,604 |
| Efficiency ratio | 61.0498% | 5,846 |
| Assets per employee ($millions) | 4.0651% | 3,642 |
| Cash dividends to net income (ytd only)* | 85.5261% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 2,574 |
| Loan loss allowance to noncurrent loans | 79.0753% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 1.8785% | 3,647 |
| Noncurrent loans to loans | 2.3358% | 3,328 |
| Net loans and leases to total assets | 66.0316% | 3,823 |
| Net loans and leases to deposits | 86.7878% | 2,378 |
| Net loans and leases to core deposits | 88.9077% | 3,421 |
| Total domestic deposits to total assets | 76.0839% | 6,674 |
| Equity capital to assets | 13.0143% | 1,562 |
| Core capital (leverage) ratio | 8.3410% | 5,688 |
| Tier 1 risk-based capital ratio | 11.0712% | 6,159 |
| Total risk-based capital ratio | 12.3276% | 6,145 |
| Memoranda: | ||
| Average total assets | $8,579,023,330 | 123 |
| Average earning assets | $7,321,309,000 | 129 |
| Average equity | $1,118,770,330 | 109 |
| Average total loans | $5,747,462,330 | 111 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6224% | 6,496 |
| Cost of funding earning assets | 1.1246% | 5,775 |
| Net interest margin | 3.4978% | 5,167 |
| Noninterest income to average assets | 1.2543% | 781 |
| Noninterest expense to average assets | 2.7330% | 4,753 |
| Loan and lease loss provision to assets | 0.4980% | 2,512 |
| Net operating income to assets | 0.7504% | 3,207 |
| Return on assets (ROA) | 0.7082% | 3,512 |
| Pretax return on assets | 0.9735% | 3,196 |
| Return on Equity (ROE) | 5.4248% | 4,143 |
| Retained earnings to average equity (ytd only) | 0.5731% | 5,597 |
| Net charge-offs to loans | 0.3834% | 2,897 |
| Credit loss provision to net charge-offs | 194.3045% | 1,907 |
| Earnings coverage of net charge-offs (x) | 5.8764% | 2,320 |
| Efficiency ratio | 62.7283% | 5,700 |
| Assets per employee ($millions) | 4.1010% | 3,640 |
| Cash dividends to net income (ytd only)* | 89.4358% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7953% | 2,749 |
| Loan loss allowance to noncurrent loans | 70.4142% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.9968% | 3,509 |
| Noncurrent loans to loans | 2.5496% | 3,124 |
| Net loans and leases to total assets | 65.5584% | 3,970 |
| Net loans and leases to deposits | 86.3011% | 2,528 |
| Net loans and leases to core deposits | 88.4087% | 3,583 |
| Total domestic deposits to total assets | 75.9648% | 6,763 |
| Equity capital to assets | 12.9969% | 1,528 |
| Core capital (leverage) ratio | 8.4298% | 5,500 |
| Tier 1 risk-based capital ratio | 11.1588% | 6,001 |
| Total risk-based capital ratio | 12.4146% | 5,956 |
| Memoranda: | ||
| Average total assets | $8,549,403,000 | 123 |
| Average earning assets | $7,295,661,000 | 130 |
| Average equity | $1,116,051,500 | 108 |
| Average total loans | $5,715,535,500 | 111 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 6,509 |
| Cost of funding earning assets | 1.4588% | 5,686 |
| Net interest margin | 3.5162% | 4,884 |
| Noninterest income to average assets | 1.2062% | 1,060 |
| Noninterest expense to average assets | 2.6954% | 5,417 |
| Loan and lease loss provision to assets | 0.7169% | 2,961 |
| Net operating income to assets | 0.6216% | 3,249 |
| Return on assets (ROA) | 0.5405% | 3,652 |
| Pretax return on assets | 0.6919% | 3,602 |
| Return on Equity (ROE) | 4.1357% | 4,030 |
| Retained earnings to average equity (ytd only) | 0.0958% | 4,848 |
| Net charge-offs to loans | 1.0643% | 2,285 |
| Credit loss provision to net charge-offs | 99.3130% | 5,612 |
| Earnings coverage of net charge-offs (x) | 2.0878% | 4,169 |
| Efficiency ratio | 62.2483% | 6,117 |
| Assets per employee ($millions) | 4.0763% | 3,664 |
| Cash dividends to net income (ytd only)* | 97.6841% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 2,838 |
| Loan loss allowance to noncurrent loans | 69.0271% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.9611% | 3,446 |
| Noncurrent loans to loans | 2.4901% | 3,051 |
| Net loans and leases to total assets | 65.7995% | 4,206 |
| Net loans and leases to deposits | 87.1473% | 2,712 |
| Net loans and leases to core deposits | 95.6986% | 4,494 |
| Total domestic deposits to total assets | 75.5037% | 6,776 |
| Equity capital to assets | 13.1120% | 1,465 |
| Core capital (leverage) ratio | 8.4614% | 5,343 |
| Tier 1 risk-based capital ratio | 11.1070% | 5,820 |
| Total risk-based capital ratio | 12.3618% | 5,768 |
| Memoranda: | ||
| Average total assets | $8,387,976,800 | 120 |
| Average earning assets | $7,147,760,400 | 126 |
| Average equity | $1,096,250,000 | 105 |
| Average total loans | $5,689,052,600 | 112 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0163% | 6,557 |
| Cost of funding earning assets | 1.5297% | 5,718 |
| Net interest margin | 3.4866% | 4,916 |
| Noninterest income to average assets | 1.1991% | 1,072 |
| Noninterest expense to average assets | 2.6647% | 5,469 |
| Loan and lease loss provision to assets | 0.5782% | 3,075 |
| Net operating income to assets | 0.7012% | 3,202 |
| Return on assets (ROA) | 0.6609% | 3,412 |
| Pretax return on assets | 0.8743% | 3,301 |
| Return on Equity (ROE) | 5.0613% | 3,941 |
| Retained earnings to average equity (ytd only) | -0.1482% | 5,245 |
| Net charge-offs to loans | 0.8234% | 2,318 |
| Credit loss provision to net charge-offs | 103.2027% | 4,936 |
| Earnings coverage of net charge-offs (x) | 2.6872% | 3,886 |
| Efficiency ratio | 61.9697% | 6,110 |
| Assets per employee ($millions) | 3.9762% | 3,776 |
| Cash dividends to net income (ytd only)* | 102.9273% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7464% | 2,453 |
| Loan loss allowance to noncurrent loans | 73.9274% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 1.8910% | 3,524 |
| Noncurrent loans to loans | 2.3624% | 3,193 |
| Net loans and leases to total assets | 66.6482% | 4,274 |
| Net loans and leases to deposits | 88.6508% | 2,846 |
| Net loans and leases to core deposits | 97.3350% | 4,678 |
| Total domestic deposits to total assets | 75.1806% | 6,738 |
| Equity capital to assets | 13.2669% | 1,589 |
| Core capital (leverage) ratio | 8.3734% | 5,704 |
| Tier 1 risk-based capital ratio | 11.1112% | 5,844 |
| Total risk-based capital ratio | 12.3664% | 5,793 |
| Memoranda: | ||
| Average total assets | $8,359,189,250 | 128 |
| Average earning assets | $7,123,421,750 | 131 |
| Average equity | $1,091,580,000 | 110 |
| Average total loans | $5,688,100,250 | 119 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0509% | 6,615 |
| Cost of funding earning assets | 1.6035% | 5,735 |
| Net interest margin | 3.4473% | 4,993 |
| Noninterest income to average assets | 1.2208% | 1,040 |
| Noninterest expense to average assets | 2.6890% | 5,425 |
| Loan and lease loss provision to assets | 0.5107% | 2,982 |
| Net operating income to assets | 0.7126% | 3,202 |
| Return on assets (ROA) | 0.7094% | 3,315 |
| Pretax return on assets | 0.9504% | 3,175 |
| Return on Equity (ROE) | 5.4616% | 3,880 |
| Retained earnings to average equity (ytd only) | 0.5741% | 4,967 |
| Net charge-offs to loans | 0.9354% | 1,846 |
| Credit loss provision to net charge-offs | 80.1459% | 5,194 |
| Earnings coverage of net charge-offs (x) | 2.2999% | 3,917 |
| Efficiency ratio | 62.7570% | 6,129 |
| Assets per employee ($millions) | 4.1396% | 3,416 |
| Cash dividends to net income (ytd only)* | 89.4877% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 2,552 |
| Loan loss allowance to noncurrent loans | 74.3874% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.7521% | 3,550 |
| Noncurrent loans to loans | 2.2088% | 3,248 |
| Net loans and leases to total assets | 65.1468% | 4,731 |
| Net loans and leases to deposits | 85.6377% | 3,614 |
| Net loans and leases to core deposits | 94.0081% | 5,117 |
| Total domestic deposits to total assets | 76.0726% | 6,530 |
| Equity capital to assets | 13.0144% | 1,685 |
| Core capital (leverage) ratio | 7.7199% | 6,723 |
| Tier 1 risk-based capital ratio | 10.2037% | 6,708 |
| Total risk-based capital ratio | 11.4577% | 6,632 |
| Memoranda: | ||
| Average total assets | $8,348,957,670 | 134 |
| Average earning assets | $7,104,960,330 | 136 |
| Average equity | $1,084,414,000 | 114 |
| Average total loans | $5,687,102,330 | 126 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1536% | 6,476 |
| Cost of funding earning assets | 1.6918% | 5,628 |
| Net interest margin | 3.4618% | 4,889 |
| Noninterest income to average assets | 1.1789% | 1,054 |
| Noninterest expense to average assets | 2.6014% | 5,440 |
| Loan and lease loss provision to assets | 0.4416% | 2,716 |
| Net operating income to assets | 0.7983% | 3,139 |
| Return on assets (ROA) | 0.8007% | 3,285 |
| Pretax return on assets | 1.0741% | 3,085 |
| Return on Equity (ROE) | 6.1713% | 3,970 |
| Retained earnings to average equity (ytd only) | 1.2210% | 5,152 |
| Net charge-offs to loans | 0.7376% | 1,707 |
| Credit loss provision to net charge-offs | 86.6546% | 4,073 |
| Earnings coverage of net charge-offs (x) | 2.9677% | 3,320 |
| Efficiency ratio | 61.2225% | 6,214 |
| Assets per employee ($millions) | 4.1069% | 3,444 |
| Cash dividends to net income (ytd only)* | 80.2155% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 2,143 |
| Loan loss allowance to noncurrent loans | 62.5985% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 2.0892% | 2,768 |
| Noncurrent loans to loans | 2.7185% | 2,416 |
| Net loans and leases to total assets | 67.4782% | 4,248 |
| Net loans and leases to deposits | 88.9775% | 3,110 |
| Net loans and leases to core deposits | 98.0391% | 4,743 |
| Total domestic deposits to total assets | 75.8374% | 6,543 |
| Equity capital to assets | 12.9637% | 1,760 |
| Core capital (leverage) ratio | 7.3190% | 7,361 |
| Tier 1 risk-based capital ratio | 9.4249% | 7,492 |
| Total risk-based capital ratio | 10.6797% | 7,439 |
| Memoranda: | ||
| Average total assets | $8,251,375,500 | 136 |
| Average earning assets | $6,995,595,000 | 138 |
| Average equity | $1,070,638,000 | 116 |
| Average total loans | $5,701,049,000 | 126 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1249% | 4,919 |
| Cost of funding earning assets | 2.3137% | 5,091 |
| Net interest margin | 3.8112% | 3,975 |
| Noninterest income to average assets | 1.2942% | 873 |
| Noninterest expense to average assets | 2.6808% | 5,334 |
| Loan and lease loss provision to assets | 0.9195% | 1,619 |
| Net operating income to assets | 0.7552% | 3,642 |
| Return on assets (ROA) | 0.5894% | 4,220 |
| Pretax return on assets | 0.7489% | 4,251 |
| Return on Equity (ROE) | 4.7610% | 4,492 |
| Retained earnings to average equity (ytd only) | -4.5557% | 6,424 |
| Net charge-offs to loans | 0.5276% | 2,256 |
| Credit loss provision to net charge-offs | 248.5807% | 1,876 |
| Earnings coverage of net charge-offs (x) | 5.0777% | 3,758 |
| Efficiency ratio | 57.0040% | 6,874 |
| Assets per employee ($millions) | 3.9494% | 3,624 |
| Cash dividends to net income (ytd only)* | 195.6888% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7207% | 1,842 |
| Loan loss allowance to noncurrent loans | 65.8662% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 2.0438% | 2,407 |
| Noncurrent loans to loans | 2.6123% | 2,074 |
| Net loans and leases to total assets | 68.3456% | 4,402 |
| Net loans and leases to deposits | 92.1625% | 3,105 |
| Net loans and leases to core deposits | 101.6757% | 4,651 |
| Total domestic deposits to total assets | 74.1577% | 6,632 |
| Equity capital to assets | 12.9870% | 1,793 |
| Core capital (leverage) ratio | 7.1642% | 7,556 |
| Tier 1 risk-based capital ratio | 9.4660% | 7,350 |
| Total risk-based capital ratio | 10.7187% | 7,261 |
| Memoranda: | ||
| Average total assets | $7,257,255,600 | 141 |
| Average earning assets | $6,216,713,600 | 144 |
| Average equity | $898,390,600 | 124 |
| Average total loans | $5,088,346,800 | 131 |