Home > First Republic Bank > Performance and Condition Ratios
First Republic Bank, Performance and Condition Ratios
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6206% | 4,136 |
| Cost of funding earning assets | 1.9231% | 346 |
| Net interest margin | 1.6975% | 4,617 |
| Noninterest income to average assets | 0.5500% | 1,626 |
| Noninterest expense to average assets | 1.5129% | 4,379 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.4825% | 3,937 |
| Return on assets (ROA) | 0.4831% | 3,897 |
| Pretax return on assets | 0.6131% | 3,820 |
| Return on Equity (ROE) | 6.0800% | 3,702 |
| Retained earnings to average equity (ytd only) | 4.0407% | 3,260 |
| Net charge-offs to loans | -0.0005% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.1208% | 1,956 |
| Assets per employee ($millions) | 33.0887% | 41 |
| Cash dividends to net income (ytd only)* | 33.4899% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4626% | 4,464 |
| Loan loss allowance to noncurrent loans | 614.1474% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,227 |
| Noncurrent loans to loans | 0.0753% | 3,199 |
| Net loans and leases to total assets | 74.0600% | 1,193 |
| Net loans and leases to deposits | 165.1212% | 11 |
| Net loans and leases to core deposits | 294.0562% | 18 |
| Total domestic deposits to total assets | 44.8500% | 4,587 |
| Equity capital to assets | 7.7228% | 3,432 |
| Core capital (leverage) ratio | 8.2459% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7066% | 2,493 |
| Memoranda: | ||
| Average total assets | $222,791,516,500 | 15 |
| Average earning assets | $210,509,880,000 | 14 |
| Average equity | $17,717,881,500 | 18 |
| Average total loans | $170,088,847,500 | 9 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0786% | 4,028 |
| Cost of funding earning assets | 0.4748% | 1,553 |
| Net interest margin | 2.6038% | 4,167 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 1.8203% | 3,990 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8496% | 3,150 |
| Return on assets (ROA) | 0.8465% | 3,097 |
| Pretax return on assets | 1.0883% | 2,809 |
| Return on Equity (ROE) | 10.0300% | 2,796 |
| Retained earnings to average equity (ytd only) | 7.9303% | 1,864 |
| Net charge-offs to loans | 0.0019% | 2,470 |
| Credit loss provision to net charge-offs | 3,222.2762% | 181 |
| Earnings coverage of net charge-offs (x) | 782.9389% | 234 |
| Efficiency ratio | 61.2881% | 2,874 |
| Assets per employee ($millions) | 29.4799% | 47 |
| Cash dividends to net income (ytd only)* | 20.9246% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4696% | 4,462 |
| Loan loss allowance to noncurrent loans | 720.4628% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 3,292 |
| Noncurrent loans to loans | 0.0652% | 3,275 |
| Net loans and leases to total assets | 78.1100% | 785 |
| Net loans and leases to deposits | 94.1322% | 772 |
| Net loans and leases to core deposits | 106.3430% | 737 |
| Total domestic deposits to total assets | 82.9700% | 3,425 |
| Equity capital to assets | 8.2045% | 2,931 |
| Core capital (leverage) ratio | 8.5053% | 4,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4539% | 2,588 |
| Memoranda: | ||
| Average total assets | $196,772,803,600 | 18 |
| Average earning assets | $186,955,265,600 | 17 |
| Average equity | $16,608,562,200 | 21 |
| Average total loans | $150,684,673,200 | 11 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9441% | 3,996 |
| Cost of funding earning assets | 0.2640% | 2,559 |
| Net interest margin | 2.6801% | 3,965 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.8487% | 3,877 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8890% | 2,915 |
| Return on assets (ROA) | 0.8847% | 2,911 |
| Pretax return on assets | 1.1432% | 2,584 |
| Return on Equity (ROE) | 10.4000% | 2,610 |
| Retained earnings to average equity (ytd only) | 8.3064% | 1,883 |
| Net charge-offs to loans | 0.0019% | 2,226 |
| Credit loss provision to net charge-offs | 3,343.3252% | 166 |
| Earnings coverage of net charge-offs (x) | 849.9061% | 189 |
| Efficiency ratio | 60.5344% | 3,050 |
| Assets per employee ($millions) | 28.8317% | 51 |
| Cash dividends to net income (ytd only)* | 20.1456% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4787% | 4,490 |
| Loan loss allowance to noncurrent loans | 635.2606% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,310 |
| Noncurrent loans to loans | 0.0754% | 3,337 |
| Net loans and leases to total assets | 77.0400% | 799 |
| Net loans and leases to deposits | 91.6608% | 783 |
| Net loans and leases to core deposits | 98.5793% | 877 |
| Total domestic deposits to total assets | 84.0400% | 3,497 |
| Equity capital to assets | 8.3464% | 2,646 |
| Core capital (leverage) ratio | 8.5886% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8069% | 2,550 |
| Memoranda: | ||
| Average total assets | $192,806,286,500 | 19 |
| Average earning assets | $183,293,427,250 | 17 |
| Average equity | $16,399,221,000 | 22 |
| Average total loans | $146,639,016,500 | 11 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8085% | 3,958 |
| Cost of funding earning assets | 0.1271% | 3,877 |
| Net interest margin | 2.6814% | 3,739 |
| Noninterest income to average assets | 0.5168% | 2,103 |
| Noninterest expense to average assets | 1.8674% | 3,786 |
| Loan and lease loss provision to assets | 0.0431% | 1,791 |
| Net operating income to assets | 0.8895% | 2,626 |
| Return on assets (ROA) | 0.8840% | 2,625 |
| Pretax return on assets | 1.1500% | 2,241 |
| Return on Equity (ROE) | 10.3232% | 2,219 |
| Retained earnings to average equity (ytd only) | 8.2492% | 1,531 |
| Net charge-offs to loans | 0.0015% | 2,074 |
| Credit loss provision to net charge-offs | 3,462.9171% | 153 |
| Earnings coverage of net charge-offs (x) | 1,079.3432% | 118 |
| Efficiency ratio | 60.8081% | 3,204 |
| Assets per employee ($millions) | 28.6741% | 48 |
| Cash dividends to net income (ytd only)* | 20.0905% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4811% | 4,567 |
| Loan loss allowance to noncurrent loans | 531.2291% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.0693% | 3,281 |
| Noncurrent loans to loans | 0.0906% | 3,316 |
| Net loans and leases to total assets | 76.1919% | 711 |
| Net loans and leases to deposits | 91.0309% | 664 |
| Net loans and leases to core deposits | 93.4921% | 942 |
| Total domestic deposits to total assets | 83.6989% | 3,744 |
| Equity capital to assets | 8.2996% | 2,906 |
| Core capital (leverage) ratio | 8.5898% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8204% | 2,560 |
| Memoranda: | ||
| Average total assets | $188,705,487,000 | 19 |
| Average earning assets | $179,504,153,000 | 18 |
| Average equity | $16,159,238,667 | 23 |
| Average total loans | $142,596,299,000 | 11 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7279% | 3,888 |
| Cost of funding earning assets | 0.0996% | 4,138 |
| Net interest margin | 2.6283% | 3,593 |
| Noninterest income to average assets | 0.5166% | 2,062 |
| Noninterest expense to average assets | 1.8635% | 3,770 |
| Loan and lease loss provision to assets | 0.0209% | 1,982 |
| Net operating income to assets | 0.8767% | 2,380 |
| Return on assets (ROA) | 0.8719% | 2,393 |
| Pretax return on assets | 1.1302% | 2,050 |
| Return on Equity (ROE) | 10.0165% | 1,964 |
| Retained earnings to average equity (ytd only) | 8.0768% | 1,557 |
| Net charge-offs to loans | -0.0008% | 2,996 |
| Credit loss provision to net charge-offs | -2,480.5147% | 3,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6143% | 3,313 |
| Assets per employee ($millions) | 29.0020% | 51 |
| Cash dividends to net income (ytd only)* | 19.3643% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4958% | 4,591 |
| Loan loss allowance to noncurrent loans | 498.8026% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,321 |
| Noncurrent loans to loans | 0.0994% | 3,346 |
| Net loans and leases to total assets | 75.1451% | 566 |
| Net loans and leases to deposits | 86.7657% | 689 |
| Net loans and leases to core deposits | 89.4088% | 947 |
| Total domestic deposits to total assets | 86.6069% | 3,070 |
| Equity capital to assets | 8.6331% | 3,040 |
| Core capital (leverage) ratio | 8.7037% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3726% | 2,454 |
| Memoranda: | ||
| Average total assets | $184,104,067,000 | 19 |
| Average earning assets | $175,402,862,500 | 18 |
| Average equity | $16,026,022,000 | 26 |
| Average total loans | $138,134,940,500 | 11 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8597% | 4,118 |
| Cost of funding earning assets | 0.1754% | 3,707 |
| Net interest margin | 2.6842% | 3,902 |
| Noninterest income to average assets | 0.5332% | 2,424 |
| Noninterest expense to average assets | 1.9180% | 3,885 |
| Loan and lease loss provision to assets | 0.0364% | 2,315 |
| Net operating income to assets | 0.9105% | 2,998 |
| Return on assets (ROA) | 0.9084% | 3,071 |
| Pretax return on assets | 1.1232% | 2,896 |
| Return on Equity (ROE) | 10.7630% | 2,250 |
| Retained earnings to average equity (ytd only) | 8.9050% | 1,232 |
| Net charge-offs to loans | 0.0017% | 2,595 |
| Credit loss provision to net charge-offs | 2,943.3560% | 234 |
| Earnings coverage of net charge-offs (x) | 917.1271% | 162 |
| Efficiency ratio | 62.1581% | 2,848 |
| Assets per employee ($millions) | 28.7668% | 57 |
| Cash dividends to net income (ytd only)* | 17.2630% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5140% | 4,613 |
| Loan loss allowance to noncurrent loans | 500.4755% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 3,415 |
| Noncurrent loans to loans | 0.1027% | 3,415 |
| Net loans and leases to total assets | 74.1429% | 654 |
| Net loans and leases to deposits | 85.8894% | 786 |
| Net loans and leases to core deposits | 88.6274% | 1,039 |
| Total domestic deposits to total assets | 86.3237% | 2,792 |
| Equity capital to assets | 8.7790% | 3,827 |
| Core capital (leverage) ratio | 8.7600% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7186% | 2,355 |
| Memoranda: | ||
| Average total assets | $162,720,908,000 | 21 |
| Average earning assets | $154,397,166,000 | 21 |
| Average equity | $13,733,303,400 | 27 |
| Average total loans | $123,425,312,400 | 11 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8829% | 4,195 |
| Cost of funding earning assets | 0.1981% | 3,619 |
| Net interest margin | 2.6847% | 4,006 |
| Noninterest income to average assets | 0.5277% | 2,511 |
| Noninterest expense to average assets | 1.9070% | 3,929 |
| Loan and lease loss provision to assets | 0.0300% | 2,397 |
| Net operating income to assets | 0.9057% | 3,227 |
| Return on assets (ROA) | 0.9086% | 3,296 |
| Pretax return on assets | 1.1387% | 3,108 |
| Return on Equity (ROE) | 10.8913% | 2,402 |
| Retained earnings to average equity (ytd only) | 9.0517% | 1,671 |
| Net charge-offs to loans | 0.0022% | 2,298 |
| Credit loss provision to net charge-offs | 1,760.0100% | 359 |
| Earnings coverage of net charge-offs (x) | 691.5881% | 230 |
| Efficiency ratio | 61.9557% | 2,709 |
| Assets per employee ($millions) | 28.0420% | 53 |
| Cash dividends to net income (ytd only)* | 16.8906% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5205% | 4,690 |
| Loan loss allowance to noncurrent loans | 524.3553% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.0738% | 3,615 |
| Noncurrent loans to loans | 0.0993% | 3,586 |
| Net loans and leases to total assets | 74.0049% | 694 |
| Net loans and leases to deposits | 87.8786% | 723 |
| Net loans and leases to core deposits | 91.2853% | 964 |
| Total domestic deposits to total assets | 84.2127% | 3,401 |
| Equity capital to assets | 8.5772% | 4,155 |
| Core capital (leverage) ratio | 8.5497% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4473% | 2,568 |
| Memoranda: | ||
| Average total assets | $158,129,332,750 | 22 |
| Average earning assets | $149,860,112,750 | 21 |
| Average equity | $13,192,224,250 | 27 |
| Average total loans | $120,542,396,250 | 11 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9128% | 4,205 |
| Cost of funding earning assets | 0.2167% | 3,582 |
| Net interest margin | 2.6962% | 3,989 |
| Noninterest income to average assets | 0.5094% | 2,587 |
| Noninterest expense to average assets | 1.9155% | 3,929 |
| Loan and lease loss provision to assets | 0.0020% | 2,832 |
| Net operating income to assets | 0.9213% | 3,160 |
| Return on assets (ROA) | 0.9235% | 3,227 |
| Pretax return on assets | 1.1485% | 3,066 |
| Return on Equity (ROE) | 11.1877% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.3288% | 1,613 |
| Net charge-offs to loans | 0.0029% | 2,088 |
| Credit loss provision to net charge-offs | 210.8441% | 1,026 |
| Earnings coverage of net charge-offs (x) | 515.7216% | 252 |
| Efficiency ratio | 62.4041% | 2,679 |
| Assets per employee ($millions) | 26.6524% | 58 |
| Cash dividends to net income (ytd only)* | 16.6151% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5173% | 4,727 |
| Loan loss allowance to noncurrent loans | 479.3122% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 3,660 |
| Noncurrent loans to loans | 0.1079% | 3,646 |
| Net loans and leases to total assets | 75.7723% | 612 |
| Net loans and leases to deposits | 90.9597% | 591 |
| Net loans and leases to core deposits | 94.9346% | 861 |
| Total domestic deposits to total assets | 83.3032% | 3,641 |
| Equity capital to assets | 8.2122% | 4,425 |
| Core capital (leverage) ratio | 8.0538% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6047% | 2,829 |
| Memoranda: | ||
| Average total assets | $153,315,609,333 | 22 |
| Average earning assets | $145,223,548,000 | 22 |
| Average equity | $12,655,701,000 | 28 |
| Average total loans | $117,930,236,333 | 11 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9109% | 4,240 |
| Cost of funding earning assets | 0.2353% | 3,605 |
| Net interest margin | 2.6756% | 4,013 |
| Noninterest income to average assets | 0.4827% | 2,692 |
| Noninterest expense to average assets | 1.9101% | 3,966 |
| Loan and lease loss provision to assets | -0.0392% | 4,629 |
| Net operating income to assets | 0.8966% | 3,128 |
| Return on assets (ROA) | 0.8980% | 3,206 |
| Pretax return on assets | 1.1501% | 2,987 |
| Return on Equity (ROE) | 10.8481% | 2,408 |
| Retained earnings to average equity (ytd only) | 9.0912% | 1,923 |
| Net charge-offs to loans | 0.0017% | 1,869 |
| Credit loss provision to net charge-offs | -2,814.5791% | 3,614 |
| Earnings coverage of net charge-offs (x) | 849.2444% | 112 |
| Efficiency ratio | 63.1224% | 2,589 |
| Assets per employee ($millions) | 27.4196% | 56 |
| Cash dividends to net income (ytd only)* | 16.1961% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5258% | 4,756 |
| Loan loss allowance to noncurrent loans | 357.5254% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 3,609 |
| Noncurrent loans to loans | 0.1471% | 3,590 |
| Net loans and leases to total assets | 75.3942% | 686 |
| Net loans and leases to deposits | 91.8344% | 603 |
| Net loans and leases to core deposits | 96.1550% | 874 |
| Total domestic deposits to total assets | 82.0980% | 3,875 |
| Equity capital to assets | 8.3067% | 4,272 |
| Core capital (leverage) ratio | 8.3239% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8708% | 2,714 |
| Memoranda: | ||
| Average total assets | $149,150,047,000 | 23 |
| Average earning assets | $141,398,440,000 | 22 |
| Average equity | $12,346,188,000 | 27 |
| Average total loans | $115,335,181,000 | 11 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1779% | 4,476 |
| Cost of funding earning assets | 0.4836% | 3,056 |
| Net interest margin | 2.6944% | 4,385 |
| Noninterest income to average assets | 0.4850% | 2,696 |
| Noninterest expense to average assets | 1.8888% | 4,331 |
| Loan and lease loss provision to assets | 0.1127% | 2,938 |
| Net operating income to assets | 0.8260% | 2,992 |
| Return on assets (ROA) | 0.8259% | 3,117 |
| Pretax return on assets | 1.0353% | 2,928 |
| Return on Equity (ROE) | 9.8748% | 2,050 |
| Retained earnings to average equity (ytd only) | 8.0422% | 1,038 |
| Net charge-offs to loans | 0.0024% | 3,311 |
| Credit loss provision to net charge-offs | 5,989.8199% | 186 |
| Earnings coverage of net charge-offs (x) | 619.7461% | 190 |
| Efficiency ratio | 61.9947% | 3,134 |
| Assets per employee ($millions) | 25.9898% | 55 |
| Cash dividends to net income (ytd only)* | 18.5588% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5640% | 4,744 |
| Loan loss allowance to noncurrent loans | 344.8716% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 3,640 |
| Noncurrent loans to loans | 0.1635% | 3,622 |
| Net loans and leases to total assets | 78.5616% | 546 |
| Net loans and leases to deposits | 97.4098% | 489 |
| Net loans and leases to core deposits | 102.4328% | 793 |
| Total domestic deposits to total assets | 80.6506% | 3,936 |
| Equity capital to assets | 8.2459% | 4,602 |
| Core capital (leverage) ratio | 8.1426% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5510% | 2,784 |
| Memoranda: | ||
| Average total assets | $128,842,071,000 | 26 |
| Average earning assets | $122,033,329,200 | 23 |
| Average equity | $10,776,411,000 | 30 |
| Average total loans | $100,834,242,000 | 14 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2334% | 4,553 |
| Cost of funding earning assets | 0.5520% | 2,912 |
| Net interest margin | 2.6814% | 4,488 |
| Noninterest income to average assets | 0.4741% | 2,722 |
| Noninterest expense to average assets | 1.8765% | 4,370 |
| Loan and lease loss provision to assets | 0.1216% | 2,812 |
| Net operating income to assets | 0.8172% | 3,029 |
| Return on assets (ROA) | 0.8170% | 3,150 |
| Pretax return on assets | 1.0149% | 3,014 |
| Return on Equity (ROE) | 9.7292% | 2,121 |
| Retained earnings to average equity (ytd only) | 7.8803% | 1,342 |
| Net charge-offs to loans | 0.0041% | 3,015 |
| Credit loss provision to net charge-offs | 3,793.2708% | 282 |
| Earnings coverage of net charge-offs (x) | 357.9876% | 314 |
| Efficiency ratio | 62.0612% | 3,070 |
| Assets per employee ($millions) | 25.1654% | 57 |
| Cash dividends to net income (ytd only)* | 19.0036% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5771% | 4,754 |
| Loan loss allowance to noncurrent loans | 366.1095% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 3,806 |
| Noncurrent loans to loans | 0.1576% | 3,752 |
| Net loans and leases to total assets | 78.2060% | 806 |
| Net loans and leases to deposits | 99.7962% | 541 |
| Net loans and leases to core deposits | 105.3261% | 872 |
| Total domestic deposits to total assets | 78.3658% | 4,143 |
| Equity capital to assets | 8.5153% | 4,455 |
| Core capital (leverage) ratio | 8.3796% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9366% | 2,638 |
| Memoranda: | ||
| Average total assets | $125,427,055,250 | 26 |
| Average earning assets | $118,764,738,000 | 25 |
| Average equity | $10,532,852,250 | 30 |
| Average total loans | $97,896,066,500 | 14 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2872% | 4,660 |
| Cost of funding earning assets | 0.6190% | 2,869 |
| Net interest margin | 2.6681% | 4,588 |
| Noninterest income to average assets | 0.4517% | 2,799 |
| Noninterest expense to average assets | 1.8748% | 4,453 |
| Loan and lease loss provision to assets | 0.1491% | 2,516 |
| Net operating income to assets | 0.7687% | 3,164 |
| Return on assets (ROA) | 0.7742% | 3,253 |
| Pretax return on assets | 0.9610% | 3,146 |
| Return on Equity (ROE) | 9.2661% | 2,261 |
| Retained earnings to average equity (ytd only) | 7.3915% | 1,507 |
| Net charge-offs to loans | 0.0027% | 2,901 |
| Credit loss provision to net charge-offs | 6,989.8462% | 168 |
| Earnings coverage of net charge-offs (x) | 521.2462% | 198 |
| Efficiency ratio | 62.7163% | 3,004 |
| Assets per employee ($millions) | 24.6881% | 53 |
| Cash dividends to net income (ytd only)* | 20.2306% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 4,761 |
| Loan loss allowance to noncurrent loans | 346.1872% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 3,865 |
| Noncurrent loans to loans | 0.1681% | 3,780 |
| Net loans and leases to total assets | 77.7411% | 885 |
| Net loans and leases to deposits | 101.2289% | 479 |
| Net loans and leases to core deposits | 109.1369% | 767 |
| Total domestic deposits to total assets | 76.7973% | 4,342 |
| Equity capital to assets | 8.2429% | 4,614 |
| Core capital (leverage) ratio | 8.1540% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4949% | 2,815 |
| Memoranda: | ||
| Average total assets | $122,827,483,333 | 26 |
| Average earning assets | $116,307,756,000 | 25 |
| Average equity | $10,262,266,667 | 30 |
| Average total loans | $95,596,320,000 | 15 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3803% | 4,751 |
| Cost of funding earning assets | 0.7175% | 2,858 |
| Net interest margin | 2.6628% | 4,697 |
| Noninterest income to average assets | 0.5144% | 2,475 |
| Noninterest expense to average assets | 1.9794% | 4,439 |
| Loan and lease loss provision to assets | 0.1602% | 1,804 |
| Net operating income to assets | 0.7214% | 3,196 |
| Return on assets (ROA) | 0.7284% | 3,255 |
| Pretax return on assets | 0.9053% | 3,126 |
| Return on Equity (ROE) | 8.6562% | 2,257 |
| Retained earnings to average equity (ytd only) | 6.8237% | 1,600 |
| Net charge-offs to loans | 0.0009% | 2,568 |
| Credit loss provision to net charge-offs | 23,603.4653% | 24 |
| Earnings coverage of net charge-offs (x) | 1,570.5842% | 22 |
| Efficiency ratio | 64.9445% | 3,096 |
| Assets per employee ($millions) | 25.3249% | 44 |
| Cash dividends to net income (ytd only)* | 21.1696% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5666% | 4,809 |
| Loan loss allowance to noncurrent loans | 432.0799% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 4,107 |
| Noncurrent loans to loans | 0.1311% | 3,992 |
| Net loans and leases to total assets | 76.7446% | 1,178 |
| Net loans and leases to deposits | 101.5003% | 464 |
| Net loans and leases to core deposits | 112.0935% | 750 |
| Total domestic deposits to total assets | 75.6102% | 4,522 |
| Equity capital to assets | 8.3604% | 4,876 |
| Core capital (leverage) ratio | 8.4575% | 4,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6184% | 2,882 |
| Memoranda: | ||
| Average total assets | $120,089,281,500 | 27 |
| Average earning assets | $113,727,971,500 | 24 |
| Average equity | $10,105,436,000 | 32 |
| Average total loans | $93,230,035,000 | 18 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5597% | 4,812 |
| Cost of funding earning assets | 0.8065% | 2,652 |
| Net interest margin | 2.7532% | 4,788 |
| Noninterest income to average assets | 0.5251% | 2,600 |
| Noninterest expense to average assets | 2.0089% | 4,518 |
| Loan and lease loss provision to assets | 0.0578% | 2,879 |
| Net operating income to assets | 0.8737% | 3,305 |
| Return on assets (ROA) | 0.8710% | 3,404 |
| Pretax return on assets | 1.0610% | 3,296 |
| Return on Equity (ROE) | 10.0629% | 2,270 |
| Retained earnings to average equity (ytd only) | 8.1467% | 930 |
| Net charge-offs to loans | 0.0056% | 3,476 |
| Credit loss provision to net charge-offs | 1,331.2473% | 261 |
| Earnings coverage of net charge-offs (x) | 258.6021% | 317 |
| Efficiency ratio | 63.8098% | 3,096 |
| Assets per employee ($millions) | 24.1612% | 48 |
| Cash dividends to net income (ytd only)* | 19.0426% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5462% | 4,827 |
| Loan loss allowance to noncurrent loans | 346.4873% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 4,026 |
| Noncurrent loans to loans | 0.1577% | 3,897 |
| Net loans and leases to total assets | 77.6890% | 1,127 |
| Net loans and leases to deposits | 100.2117% | 594 |
| Net loans and leases to core deposits | 110.9292% | 802 |
| Total domestic deposits to total assets | 77.5249% | 4,429 |
| Equity capital to assets | 8.4731% | 4,920 |
| Core capital (leverage) ratio | 8.3914% | 4,902 |
| Tier 1 risk-based capital ratio | 11.2106% | 4,769 |
| Total risk-based capital ratio | 12.7256% | 4,517 |
| Memoranda: | ||
| Average total assets | $106,808,887,400 | 29 |
| Average earning assets | $101,091,230,200 | 28 |
| Average equity | $9,245,143,400 | 34 |
| Average total loans | $82,529,200,600 | 21 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 4,893 |
| Cost of funding earning assets | 0.8073% | 2,676 |
| Net interest margin | 2.7760% | 4,875 |
| Noninterest income to average assets | 0.5208% | 2,598 |
| Noninterest expense to average assets | 2.0267% | 4,499 |
| Loan and lease loss provision to assets | 0.0665% | 2,555 |
| Net operating income to assets | 0.8752% | 3,429 |
| Return on assets (ROA) | 0.8732% | 3,521 |
| Pretax return on assets | 1.0521% | 3,441 |
| Return on Equity (ROE) | 10.0287% | 2,416 |
| Retained earnings to average equity (ytd only) | 8.0647% | 1,363 |
| Net charge-offs to loans | 0.0094% | 3,032 |
| Credit loss provision to net charge-offs | 915.1914% | 384 |
| Earnings coverage of net charge-offs (x) | 154.2331% | 532 |
| Efficiency ratio | 64.0069% | 3,004 |
| Assets per employee ($millions) | 22.7518% | 48 |
| Cash dividends to net income (ytd only)* | 19.5841% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5623% | 4,877 |
| Loan loss allowance to noncurrent loans | 354.5378% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 4,109 |
| Noncurrent loans to loans | 0.1586% | 3,973 |
| Net loans and leases to total assets | 77.3233% | 1,260 |
| Net loans and leases to deposits | 100.1523% | 619 |
| Net loans and leases to core deposits | 111.4672% | 873 |
| Total domestic deposits to total assets | 77.2057% | 4,488 |
| Equity capital to assets | 8.4944% | 5,006 |
| Core capital (leverage) ratio | 8.4983% | 4,948 |
| Tier 1 risk-based capital ratio | 11.0546% | 4,887 |
| Total risk-based capital ratio | 12.6117% | 4,639 |
| Memoranda: | ||
| Average total assets | $104,445,200,750 | 30 |
| Average earning assets | $98,836,198,000 | 29 |
| Average equity | $9,093,652,500 | 35 |
| Average total loans | $80,456,467,000 | 22 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5997% | 4,931 |
| Cost of funding earning assets | 0.7930% | 2,681 |
| Net interest margin | 2.8067% | 4,924 |
| Noninterest income to average assets | 0.5280% | 2,526 |
| Noninterest expense to average assets | 2.0609% | 4,490 |
| Loan and lease loss provision to assets | 0.0692% | 2,436 |
| Net operating income to assets | 0.8805% | 3,356 |
| Return on assets (ROA) | 0.8785% | 3,434 |
| Pretax return on assets | 1.0517% | 3,379 |
| Return on Equity (ROE) | 10.0022% | 2,386 |
| Retained earnings to average equity (ytd only) | 8.0264% | 1,382 |
| Net charge-offs to loans | 0.0034% | 3,039 |
| Credit loss provision to net charge-offs | 2,616.4080% | 145 |
| Earnings coverage of net charge-offs (x) | 424.4479% | 177 |
| Efficiency ratio | 64.3251% | 3,081 |
| Assets per employee ($millions) | 22.0208% | 46 |
| Cash dividends to net income (ytd only)* | 19.7535% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5752% | 4,917 |
| Loan loss allowance to noncurrent loans | 326.2882% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 4,074 |
| Noncurrent loans to loans | 0.1763% | 3,927 |
| Net loans and leases to total assets | 77.3674% | 1,333 |
| Net loans and leases to deposits | 98.0175% | 840 |
| Net loans and leases to core deposits | 109.3707% | 1,008 |
| Total domestic deposits to total assets | 78.9322% | 4,235 |
| Equity capital to assets | 8.7225% | 4,941 |
| Core capital (leverage) ratio | 8.6920% | 4,851 |
| Tier 1 risk-based capital ratio | 11.3939% | 4,736 |
| Total risk-based capital ratio | 13.0164% | 4,436 |
| Memoranda: | ||
| Average total assets | $102,250,689,330 | 30 |
| Average earning assets | $96,766,450,670 | 30 |
| Average equity | $8,981,134,670 | 35 |
| Average total loans | $78,496,455,000 | 23 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 4,983 |
| Cost of funding earning assets | 0.7222% | 2,933 |
| Net interest margin | 2.8526% | 4,935 |
| Noninterest income to average assets | 0.5098% | 2,494 |
| Noninterest expense to average assets | 2.0879% | 4,480 |
| Loan and lease loss provision to assets | 0.0565% | 2,540 |
| Net operating income to assets | 0.9021% | 3,227 |
| Return on assets (ROA) | 0.9016% | 3,277 |
| Pretax return on assets | 1.0678% | 3,248 |
| Return on Equity (ROE) | 10.2277% | 2,268 |
| Retained earnings to average equity (ytd only) | 8.2641% | 1,568 |
| Net charge-offs to loans | 0.0007% | 2,733 |
| Credit loss provision to net charge-offs | 11,181.1024% | 20 |
| Earnings coverage of net charge-offs (x) | 2,225.9291% | 12 |
| Efficiency ratio | 64.5695% | 3,149 |
| Assets per employee ($millions) | 22.0831% | 45 |
| Cash dividends to net income (ytd only)* | 19.1985% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5864% | 4,957 |
| Loan loss allowance to noncurrent loans | 887.0637% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 4,576 |
| Noncurrent loans to loans | 0.0661% | 4,464 |
| Net loans and leases to total assets | 75.4285% | 1,578 |
| Net loans and leases to deposits | 94.1305% | 1,162 |
| Net loans and leases to core deposits | 104.0366% | 1,315 |
| Total domestic deposits to total assets | 80.1319% | 4,156 |
| Equity capital to assets | 8.8819% | 4,762 |
| Core capital (leverage) ratio | 8.8419% | 4,760 |
| Tier 1 risk-based capital ratio | 11.8185% | 4,556 |
| Total risk-based capital ratio | 13.5048% | 4,188 |
| Memoranda: | ||
| Average total assets | $100,526,216,000 | 31 |
| Average earning assets | $95,252,701,000 | 31 |
| Average equity | $8,861,880,500 | 36 |
| Average total loans | $76,619,621,000 | 25 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4414% | 4,972 |
| Cost of funding earning assets | 0.5990% | 2,729 |
| Net interest margin | 2.8424% | 4,981 |
| Noninterest income to average assets | 0.5585% | 2,502 |
| Noninterest expense to average assets | 2.0515% | 4,650 |
| Loan and lease loss provision to assets | 0.0814% | 2,499 |
| Net operating income to assets | 0.9093% | 3,405 |
| Return on assets (ROA) | 0.9139% | 3,379 |
| Pretax return on assets | 1.1257% | 3,185 |
| Return on Equity (ROE) | 10.3431% | 2,372 |
| Retained earnings to average equity (ytd only) | 8.2163% | 1,149 |
| Net charge-offs to loans | 0.0043% | 3,570 |
| Credit loss provision to net charge-offs | 2,556.8548% | 183 |
| Earnings coverage of net charge-offs (x) | 377.2285% | 270 |
| Efficiency ratio | 62.5292% | 3,429 |
| Assets per employee ($millions) | 22.1440% | 43 |
| Cash dividends to net income (ytd only)* | 20.5625% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5780% | 5,011 |
| Loan loss allowance to noncurrent loans | 944.9005% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,616 |
| Noncurrent loans to loans | 0.0612% | 4,474 |
| Net loans and leases to total assets | 76.1303% | 1,590 |
| Net loans and leases to deposits | 95.5251% | 1,118 |
| Net loans and leases to core deposits | 104.0433% | 1,410 |
| Total domestic deposits to total assets | 79.6967% | 4,172 |
| Equity capital to assets | 8.7473% | 4,767 |
| Core capital (leverage) ratio | 8.6752% | 4,899 |
| Tier 1 risk-based capital ratio | 11.6991% | 4,627 |
| Total risk-based capital ratio | 13.4283% | 4,192 |
| Memoranda: | ||
| Average total assets | $93,430,980,200 | 31 |
| Average earning assets | $88,570,375,800 | 31 |
| Average equity | $8,255,055,200 | 36 |
| Average total loans | $69,313,365,800 | 25 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3889% | 5,047 |
| Cost of funding earning assets | 0.5646% | 2,744 |
| Net interest margin | 2.8243% | 5,061 |
| Noninterest income to average assets | 0.5528% | 2,552 |
| Noninterest expense to average assets | 2.0559% | 4,641 |
| Loan and lease loss provision to assets | 0.0739% | 2,475 |
| Net operating income to assets | 0.8945% | 3,560 |
| Return on assets (ROA) | 0.9021% | 3,523 |
| Pretax return on assets | 1.1083% | 3,366 |
| Return on Equity (ROE) | 10.1831% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.0716% | 1,611 |
| Net charge-offs to loans | 0.0022% | 3,410 |
| Credit loss provision to net charge-offs | 4,594.8649% | 85 |
| Earnings coverage of net charge-offs (x) | 728.9663% | 118 |
| Efficiency ratio | 63.1100% | 3,317 |
| Assets per employee ($millions) | 22.1415% | 42 |
| Cash dividends to net income (ytd only)* | 20.7350% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5727% | 5,083 |
| Loan loss allowance to noncurrent loans | 976.6194% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 4,750 |
| Noncurrent loans to loans | 0.0586% | 4,630 |
| Net loans and leases to total assets | 75.1209% | 1,791 |
| Net loans and leases to deposits | 96.5591% | 1,086 |
| Net loans and leases to core deposits | 105.9309% | 1,315 |
| Total domestic deposits to total assets | 77.7979% | 4,511 |
| Equity capital to assets | 9.0189% | 4,529 |
| Core capital (leverage) ratio | 8.9446% | 4,752 |
| Tier 1 risk-based capital ratio | 12.1369% | 4,422 |
| Total risk-based capital ratio | 13.9022% | 4,009 |
| Memoranda: | ||
| Average total assets | $91,987,424,250 | 31 |
| Average earning assets | $87,155,613,750 | 31 |
| Average equity | $8,149,374,750 | 36 |
| Average total loans | $67,650,640,500 | 25 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3348% | 5,109 |
| Cost of funding earning assets | 0.5208% | 2,831 |
| Net interest margin | 2.8140% | 5,104 |
| Noninterest income to average assets | 0.5511% | 2,574 |
| Noninterest expense to average assets | 2.0624% | 4,689 |
| Loan and lease loss provision to assets | 0.0714% | 2,461 |
| Net operating income to assets | 0.8876% | 3,507 |
| Return on assets (ROA) | 0.9024% | 3,450 |
| Pretax return on assets | 1.1001% | 3,314 |
| Return on Equity (ROE) | 10.2512% | 2,452 |
| Retained earnings to average equity (ytd only) | 8.1931% | 1,538 |
| Net charge-offs to loans | 0.0028% | 3,095 |
| Credit loss provision to net charge-offs | 3,499.4595% | 115 |
| Earnings coverage of net charge-offs (x) | 565.0443% | 160 |
| Efficiency ratio | 63.5356% | 3,380 |
| Assets per employee ($millions) | 22.1243% | 42 |
| Cash dividends to net income (ytd only)* | 20.0761% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5743% | 5,149 |
| Loan loss allowance to noncurrent loans | 780.3947% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 4,757 |
| Noncurrent loans to loans | 0.0736% | 4,590 |
| Net loans and leases to total assets | 73.3034% | 2,072 |
| Net loans and leases to deposits | 94.5368% | 1,297 |
| Net loans and leases to core deposits | 102.9458% | 1,493 |
| Total domestic deposits to total assets | 77.5395% | 4,657 |
| Equity capital to assets | 8.8182% | 4,706 |
| Core capital (leverage) ratio | 8.8282% | 4,862 |
| Tier 1 risk-based capital ratio | 11.8965% | 4,563 |
| Total risk-based capital ratio | 13.6847% | 4,117 |
| Memoranda: | ||
| Average total assets | $90,618,491,670 | 31 |
| Average earning assets | $85,815,090,670 | 31 |
| Average equity | $7,976,937,330 | 36 |
| Average total loans | $65,999,961,330 | 25 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2847% | 5,157 |
| Cost of funding earning assets | 0.4779% | 2,981 |
| Net interest margin | 2.8068% | 5,152 |
| Noninterest income to average assets | 0.5401% | 2,572 |
| Noninterest expense to average assets | 2.0745% | 4,715 |
| Loan and lease loss provision to assets | 0.0584% | 2,603 |
| Net operating income to assets | 0.8613% | 3,453 |
| Return on assets (ROA) | 0.8947% | 3,326 |
| Pretax return on assets | 1.1068% | 3,147 |
| Return on Equity (ROE) | 10.1736% | 2,344 |
| Retained earnings to average equity (ytd only) | 8.1181% | 1,793 |
| Net charge-offs to loans | 0.0010% | 2,700 |
| Credit loss provision to net charge-offs | 8,441.5584% | 33 |
| Earnings coverage of net charge-offs (x) | 1,623.9091% | 29 |
| Efficiency ratio | 64.2309% | 3,440 |
| Assets per employee ($millions) | 22.2225% | 44 |
| Cash dividends to net income (ytd only)* | 20.2046% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5750% | 5,228 |
| Loan loss allowance to noncurrent loans | 774.6763% | 741 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 4,827 |
| Noncurrent loans to loans | 0.0742% | 4,651 |
| Net loans and leases to total assets | 72.5970% | 2,075 |
| Net loans and leases to deposits | 91.9226% | 1,457 |
| Net loans and leases to core deposits | 98.8508% | 1,779 |
| Total domestic deposits to total assets | 78.9762% | 4,586 |
| Equity capital to assets | 8.6857% | 4,829 |
| Core capital (leverage) ratio | 8.6411% | 5,030 |
| Tier 1 risk-based capital ratio | 11.8030% | 4,682 |
| Total risk-based capital ratio | 13.6527% | 4,200 |
| Memoranda: | ||
| Average total assets | $89,002,007,500 | 31 |
| Average earning assets | $84,294,717,000 | 30 |
| Average equity | $7,827,419,500 | 35 |
| Average total loans | $64,403,118,500 | 25 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2380% | 5,148 |
| Cost of funding earning assets | 0.3945% | 3,303 |
| Net interest margin | 2.8435% | 5,115 |
| Noninterest income to average assets | 0.5552% | 2,684 |
| Noninterest expense to average assets | 2.0327% | 4,906 |
| Loan and lease loss provision to assets | 0.0747% | 2,708 |
| Net operating income to assets | 0.9412% | 2,487 |
| Return on assets (ROA) | 0.9403% | 2,526 |
| Pretax return on assets | 1.1322% | 3,052 |
| Return on Equity (ROE) | 10.3778% | 1,734 |
| Retained earnings to average equity (ytd only) | 8.1097% | 725 |
| Net charge-offs to loans | 0.0011% | 4,086 |
| Credit loss provision to net charge-offs | 9,301.5456% | 35 |
| Earnings coverage of net charge-offs (x) | 1,504.1978% | 46 |
| Efficiency ratio | 61.9363% | 3,950 |
| Assets per employee ($millions) | 21.8088% | 43 |
| Cash dividends to net income (ytd only)* | 21.8553% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5815% | 5,275 |
| Loan loss allowance to noncurrent loans | 971.7761% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 4,921 |
| Noncurrent loans to loans | 0.0598% | 4,726 |
| Net loans and leases to total assets | 71.2709% | 2,340 |
| Net loans and leases to deposits | 90.7765% | 1,681 |
| Net loans and leases to core deposits | 95.6713% | 2,058 |
| Total domestic deposits to total assets | 78.5125% | 4,639 |
| Equity capital to assets | 8.9066% | 4,811 |
| Core capital (leverage) ratio | 8.8534% | 4,805 |
| Tier 1 risk-based capital ratio | 12.2153% | 4,391 |
| Total risk-based capital ratio | 14.1111% | 3,891 |
| Memoranda: | ||
| Average total assets | $80,572,191,400 | 32 |
| Average earning assets | $76,090,096,200 | 32 |
| Average equity | $7,300,745,400 | 37 |
| Average total loans | $57,521,059,600 | 27 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2239% | 5,205 |
| Cost of funding earning assets | 0.3698% | 3,465 |
| Net interest margin | 2.8541% | 5,151 |
| Noninterest income to average assets | 0.5435% | 2,759 |
| Noninterest expense to average assets | 2.0196% | 4,912 |
| Loan and lease loss provision to assets | 0.0730% | 2,609 |
| Net operating income to assets | 0.9548% | 2,750 |
| Return on assets (ROA) | 0.9536% | 2,822 |
| Pretax return on assets | 1.1436% | 3,140 |
| Return on Equity (ROE) | 10.4744% | 1,917 |
| Retained earnings to average equity (ytd only) | 8.1782% | 1,148 |
| Net charge-offs to loans | 0.0042% | 3,581 |
| Credit loss provision to net charge-offs | 2,434.4808% | 176 |
| Earnings coverage of net charge-offs (x) | 406.0950% | 236 |
| Efficiency ratio | 61.5492% | 3,948 |
| Assets per employee ($millions) | 21.4065% | 43 |
| Cash dividends to net income (ytd only)* | 21.9222% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5778% | 5,364 |
| Loan loss allowance to noncurrent loans | 917.0534% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 5,008 |
| Noncurrent loans to loans | 0.0630% | 4,830 |
| Net loans and leases to total assets | 70.9691% | 2,415 |
| Net loans and leases to deposits | 91.4496% | 1,632 |
| Net loans and leases to core deposits | 96.7559% | 2,001 |
| Total domestic deposits to total assets | 77.6047% | 4,786 |
| Equity capital to assets | 8.8092% | 5,075 |
| Core capital (leverage) ratio | 8.7782% | 4,992 |
| Tier 1 risk-based capital ratio | 12.2722% | 4,454 |
| Total risk-based capital ratio | 14.2338% | 3,928 |
| Memoranda: | ||
| Average total assets | $78,770,112,500 | 34 |
| Average earning assets | $74,356,160,000 | 32 |
| Average equity | $7,171,356,500 | 37 |
| Average total loans | $56,169,347,000 | 27 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1909% | 5,253 |
| Cost of funding earning assets | 0.3308% | 3,783 |
| Net interest margin | 2.8601% | 5,154 |
| Noninterest income to average assets | 0.5376% | 2,779 |
| Noninterest expense to average assets | 2.0165% | 4,942 |
| Loan and lease loss provision to assets | 0.0859% | 2,269 |
| Net operating income to assets | 0.9493% | 2,664 |
| Return on assets (ROA) | 0.9448% | 2,750 |
| Pretax return on assets | 1.1280% | 3,060 |
| Return on Equity (ROE) | 10.2564% | 1,933 |
| Retained earnings to average equity (ytd only) | 7.9455% | 1,188 |
| Net charge-offs to loans | 0.0041% | 3,346 |
| Credit loss provision to net charge-offs | 2,956.6697% | 148 |
| Earnings coverage of net charge-offs (x) | 419.7654% | 202 |
| Efficiency ratio | 61.4487% | 4,095 |
| Assets per employee ($millions) | 20.8653% | 44 |
| Cash dividends to net income (ytd only)* | 22.5313% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5837% | 5,404 |
| Loan loss allowance to noncurrent loans | 779.7967% | 701 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 4,991 |
| Noncurrent loans to loans | 0.0748% | 4,831 |
| Net loans and leases to total assets | 71.1600% | 2,344 |
| Net loans and leases to deposits | 91.0424% | 1,603 |
| Net loans and leases to core deposits | 95.1750% | 2,058 |
| Total domestic deposits to total assets | 78.1614% | 4,785 |
| Equity capital to assets | 8.9655% | 4,937 |
| Core capital (leverage) ratio | 8.9901% | 4,737 |
| Tier 1 risk-based capital ratio | 12.4887% | 4,311 |
| Total risk-based capital ratio | 14.5121% | 3,744 |
| Memoranda: | ||
| Average total assets | $76,920,118,000 | 34 |
| Average earning assets | $72,560,194,330 | 33 |
| Average equity | $7,085,826,670 | 37 |
| Average total loans | $54,829,464,000 | 27 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1465% | 5,312 |
| Cost of funding earning assets | 0.2991% | 4,053 |
| Net interest margin | 2.8473% | 5,171 |
| Noninterest income to average assets | 0.5330% | 2,751 |
| Noninterest expense to average assets | 2.0213% | 5,001 |
| Loan and lease loss provision to assets | 0.0485% | 2,841 |
| Net operating income to assets | 0.9505% | 2,525 |
| Return on assets (ROA) | 0.9442% | 2,605 |
| Pretax return on assets | 1.1404% | 2,821 |
| Return on Equity (ROE) | 10.1032% | 1,923 |
| Retained earnings to average equity (ytd only) | 7.7979% | 1,544 |
| Net charge-offs to loans | 0.0038% | 2,842 |
| Credit loss provision to net charge-offs | 1,788.9764% | 188 |
| Earnings coverage of net charge-offs (x) | 441.0236% | 129 |
| Efficiency ratio | 61.8896% | 4,165 |
| Assets per employee ($millions) | 20.5934% | 43 |
| Cash dividends to net income (ytd only)* | 22.8178% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5821% | 5,512 |
| Loan loss allowance to noncurrent loans | 609.3125% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 5,004 |
| Noncurrent loans to loans | 0.0955% | 4,808 |
| Net loans and leases to total assets | 70.3168% | 2,320 |
| Net loans and leases to deposits | 87.8906% | 1,817 |
| Net loans and leases to core deposits | 91.5604% | 2,212 |
| Total domestic deposits to total assets | 80.0049% | 4,617 |
| Equity capital to assets | 9.2658% | 4,544 |
| Core capital (leverage) ratio | 9.2210% | 4,452 |
| Tier 1 risk-based capital ratio | 12.9369% | 4,116 |
| Total risk-based capital ratio | 15.0400% | 3,517 |
| Memoranda: | ||
| Average total assets | $74,891,061,500 | 34 |
| Average earning assets | $70,618,411,000 | 34 |
| Average equity | $6,998,698,500 | 37 |
| Average total loans | $53,262,984,500 | 27 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2424% | 5,248 |
| Cost of funding earning assets | 0.2666% | 4,400 |
| Net interest margin | 2.9758% | 5,007 |
| Noninterest income to average assets | 0.5852% | 2,737 |
| Noninterest expense to average assets | 2.0429% | 5,107 |
| Loan and lease loss provision to assets | 0.0721% | 2,914 |
| Net operating income to assets | 1.0281% | 2,233 |
| Return on assets (ROA) | 1.0294% | 2,328 |
| Pretax return on assets | 1.2651% | 2,418 |
| Return on Equity (ROE) | 10.7406% | 1,676 |
| Retained earnings to average equity (ytd only) | 8.1322% | 809 |
| Net charge-offs to loans | 0.0039% | 4,116 |
| Credit loss provision to net charge-offs | 2,548.1641% | 164 |
| Earnings coverage of net charge-offs (x) | 471.7781% | 175 |
| Efficiency ratio | 59.3352% | 4,684 |
| Assets per employee ($millions) | 20.5490% | 44 |
| Cash dividends to net income (ytd only)* | 24.2847% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5846% | 5,557 |
| Loan loss allowance to noncurrent loans | 625.0469% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 5,061 |
| Noncurrent loans to loans | 0.0935% | 4,865 |
| Net loans and leases to total assets | 71.1118% | 2,320 |
| Net loans and leases to deposits | 88.9198% | 1,815 |
| Net loans and leases to core deposits | 92.5302% | 2,245 |
| Total domestic deposits to total assets | 79.9729% | 4,580 |
| Equity capital to assets | 9.4280% | 4,349 |
| Core capital (leverage) ratio | 9.3691% | 4,259 |
| Tier 1 risk-based capital ratio | 13.0683% | 4,022 |
| Total risk-based capital ratio | 14.4603% | 3,867 |
| Memoranda: | ||
| Average total assets | $65,416,995,400 | 36 |
| Average earning assets | $61,406,164,400 | 36 |
| Average equity | $6,269,954,200 | 40 |
| Average total loans | $48,081,183,000 | 31 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2512% | 5,276 |
| Cost of funding earning assets | 0.2616% | 4,488 |
| Net interest margin | 2.9896% | 5,032 |
| Noninterest income to average assets | 0.5787% | 2,773 |
| Noninterest expense to average assets | 2.0517% | 5,104 |
| Loan and lease loss provision to assets | 0.0771% | 2,684 |
| Net operating income to assets | 1.0345% | 2,270 |
| Return on assets (ROA) | 1.0387% | 2,374 |
| Pretax return on assets | 1.2583% | 2,584 |
| Return on Equity (ROE) | 10.7861% | 1,753 |
| Retained earnings to average equity (ytd only) | 8.1313% | 1,120 |
| Net charge-offs to loans | 0.0047% | 3,751 |
| Credit loss provision to net charge-offs | 2,230.5167% | 219 |
| Earnings coverage of net charge-offs (x) | 384.8538% | 233 |
| Efficiency ratio | 59.4747% | 4,618 |
| Assets per employee ($millions) | 19.8812% | 47 |
| Cash dividends to net income (ytd only)* | 24.6133% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5878% | 5,625 |
| Loan loss allowance to noncurrent loans | 530.2550% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 5,105 |
| Noncurrent loans to loans | 0.1109% | 4,897 |
| Net loans and leases to total assets | 73.6496% | 1,932 |
| Net loans and leases to deposits | 90.9471% | 1,641 |
| Net loans and leases to core deposits | 94.6764% | 2,133 |
| Total domestic deposits to total assets | 80.9808% | 4,255 |
| Equity capital to assets | 9.4781% | 4,681 |
| Core capital (leverage) ratio | 9.2578% | 4,521 |
| Tier 1 risk-based capital ratio | 12.8838% | 4,230 |
| Total risk-based capital ratio | 14.3329% | 4,021 |
| Memoranda: | ||
| Average total assets | $63,451,801,250 | 36 |
| Average earning assets | $59,499,133,500 | 36 |
| Average equity | $6,110,279,750 | 40 |
| Average total loans | $46,997,593,000 | 31 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2533% | 5,359 |
| Cost of funding earning assets | 0.2517% | 4,644 |
| Net interest margin | 3.0016% | 5,079 |
| Noninterest income to average assets | 0.5816% | 2,714 |
| Noninterest expense to average assets | 2.0623% | 5,140 |
| Loan and lease loss provision to assets | 0.0604% | 2,933 |
| Net operating income to assets | 1.0333% | 2,238 |
| Return on assets (ROA) | 1.0413% | 2,340 |
| Pretax return on assets | 1.2809% | 2,483 |
| Return on Equity (ROE) | 10.7518% | 1,736 |
| Retained earnings to average equity (ytd only) | 8.0902% | 1,146 |
| Net charge-offs to loans | 0.0044% | 3,550 |
| Credit loss provision to net charge-offs | 1,834.3474% | 222 |
| Earnings coverage of net charge-offs (x) | 404.5957% | 172 |
| Efficiency ratio | 59.5288% | 4,705 |
| Assets per employee ($millions) | 19.3281% | 46 |
| Cash dividends to net income (ytd only)* | 24.7544% | 3,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5801% | 5,708 |
| Loan loss allowance to noncurrent loans | 477.2464% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 5,150 |
| Noncurrent loans to loans | 0.1216% | 4,962 |
| Net loans and leases to total assets | 73.7956% | 1,880 |
| Net loans and leases to deposits | 93.3671% | 1,361 |
| Net loans and leases to core deposits | 96.9088% | 1,898 |
| Total domestic deposits to total assets | 79.0381% | 4,777 |
| Equity capital to assets | 9.7424% | 4,517 |
| Core capital (leverage) ratio | 9.5832% | 4,089 |
| Tier 1 risk-based capital ratio | 13.2264% | 4,064 |
| Total risk-based capital ratio | 13.8618% | 4,345 |
| Memoranda: | ||
| Average total assets | $61,937,886,000 | 37 |
| Average earning assets | $58,024,027,670 | 36 |
| Average equity | $5,998,873,670 | 40 |
| Average total loans | $45,872,422,000 | 32 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2585% | 5,402 |
| Cost of funding earning assets | 0.2485% | 4,724 |
| Net interest margin | 3.0100% | 5,100 |
| Noninterest income to average assets | 0.5913% | 2,585 |
| Noninterest expense to average assets | 2.1089% | 5,102 |
| Loan and lease loss provision to assets | 0.0297% | 3,263 |
| Net operating income to assets | 0.9671% | 2,424 |
| Return on assets (ROA) | 0.9836% | 2,469 |
| Pretax return on assets | 1.2942% | 2,334 |
| Return on Equity (ROE) | 10.1872% | 1,912 |
| Retained earnings to average equity (ytd only) | 7.5425% | 1,649 |
| Net charge-offs to loans | -0.0003% | 4,061 |
| Credit loss provision to net charge-offs | -15,489.6552% | 5,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5336% | 4,673 |
| Assets per employee ($millions) | 19.3466% | 49 |
| Cash dividends to net income (ytd only)* | 25.9609% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5845% | 5,763 |
| Loan loss allowance to noncurrent loans | 425.6619% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 5,165 |
| Noncurrent loans to loans | 0.1373% | 4,926 |
| Net loans and leases to total assets | 72.7393% | 1,912 |
| Net loans and leases to deposits | 88.6869% | 1,736 |
| Net loans and leases to core deposits | 91.8790% | 2,196 |
| Total domestic deposits to total assets | 82.0180% | 4,219 |
| Equity capital to assets | 9.6368% | 4,520 |
| Core capital (leverage) ratio | 9.3834% | 4,375 |
| Tier 1 risk-based capital ratio | 13.2396% | 4,126 |
| Total risk-based capital ratio | 13.8826% | 4,410 |
| Memoranda: | ||
| Average total assets | $60,541,897,500 | 37 |
| Average earning assets | $56,717,392,500 | 36 |
| Average equity | $5,845,204,000 | 40 |
| Average total loans | $44,785,374,500 | 32 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3501% | 5,256 |
| Cost of funding earning assets | 0.2953% | 4,306 |
| Net interest margin | 3.0548% | 5,016 |
| Noninterest income to average assets | 0.5912% | 2,766 |
| Noninterest expense to average assets | 2.0525% | 5,346 |
| Loan and lease loss provision to assets | 0.1039% | 2,249 |
| Net operating income to assets | 0.9770% | 2,479 |
| Return on assets (ROA) | 0.9782% | 2,552 |
| Pretax return on assets | 1.2939% | 2,314 |
| Return on Equity (ROE) | 9.9614% | 2,027 |
| Retained earnings to average equity (ytd only) | 7.2263% | 1,189 |
| Net charge-offs to loans | 0.0042% | 4,302 |
| Credit loss provision to net charge-offs | 3,217.5856% | 120 |
| Earnings coverage of net charge-offs (x) | 432.5514% | 152 |
| Efficiency ratio | 58.3330% | 5,107 |
| Assets per employee ($millions) | 18.8439% | 55 |
| Cash dividends to net income (ytd only)* | 27.4567% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5915% | 5,806 |
| Loan loss allowance to noncurrent loans | 335.7918% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 5,068 |
| Noncurrent loans to loans | 0.1762% | 4,785 |
| Net loans and leases to total assets | 74.3815% | 1,662 |
| Net loans and leases to deposits | 91.6016% | 1,440 |
| Net loans and leases to core deposits | 96.6629% | 1,782 |
| Total domestic deposits to total assets | 81.2011% | 4,427 |
| Equity capital to assets | 9.6737% | 4,338 |
| Core capital (leverage) ratio | 9.2138% | 4,589 |
| Tier 1 risk-based capital ratio | 13.1256% | 4,220 |
| Total risk-based capital ratio | 13.7794% | 4,510 |
| Memoranda: | ||
| Average total assets | $53,378,974,000 | 39 |
| Average earning assets | $49,931,571,000 | 38 |
| Average equity | $5,241,677,400 | 41 |
| Average total loans | $41,002,676,400 | 32 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3709% | 5,272 |
| Cost of funding earning assets | 0.3042% | 4,289 |
| Net interest margin | 3.0668% | 5,041 |
| Noninterest income to average assets | 0.5827% | 2,834 |
| Noninterest expense to average assets | 2.0384% | 5,403 |
| Loan and lease loss provision to assets | 0.1113% | 2,027 |
| Net operating income to assets | 0.9776% | 2,587 |
| Return on assets (ROA) | 0.9801% | 2,649 |
| Pretax return on assets | 1.3051% | 2,381 |
| Return on Equity (ROE) | 9.9392% | 2,128 |
| Retained earnings to average equity (ytd only) | 7.1724% | 1,611 |
| Net charge-offs to loans | 0.0011% | 4,151 |
| Credit loss provision to net charge-offs | 13,229.8780% | 32 |
| Earnings coverage of net charge-offs (x) | 1,679.4147% | 37 |
| Efficiency ratio | 57.9592% | 5,128 |
| Assets per employee ($millions) | 18.8543% | 53 |
| Cash dividends to net income (ytd only)* | 27.8373% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5878% | 5,915 |
| Loan loss allowance to noncurrent loans | 475.2928% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 5,348 |
| Noncurrent loans to loans | 0.1237% | 5,135 |
| Net loans and leases to total assets | 76.4812% | 1,319 |
| Net loans and leases to deposits | 95.5093% | 1,052 |
| Net loans and leases to core deposits | 100.0681% | 1,511 |
| Total domestic deposits to total assets | 80.0772% | 4,729 |
| Equity capital to assets | 9.7231% | 4,488 |
| Core capital (leverage) ratio | 9.3782% | 4,471 |
| Tier 1 risk-based capital ratio | 13.2071% | 4,315 |
| Total risk-based capital ratio | 13.8715% | 4,575 |
| Memoranda: | ||
| Average total assets | $51,978,396,250 | 38 |
| Average earning assets | $48,621,565,750 | 37 |
| Average equity | $5,125,676,000 | 40 |
| Average total loans | $40,220,283,000 | 32 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3742% | 5,285 |
| Cost of funding earning assets | 0.3107% | 4,271 |
| Net interest margin | 3.0635% | 5,062 |
| Noninterest income to average assets | 0.5881% | 2,808 |
| Noninterest expense to average assets | 2.0406% | 5,453 |
| Loan and lease loss provision to assets | 0.1136% | 1,939 |
| Net operating income to assets | 0.9684% | 2,543 |
| Return on assets (ROA) | 0.9726% | 2,634 |
| Pretax return on assets | 1.3002% | 2,361 |
| Return on Equity (ROE) | 9.8127% | 2,153 |
| Retained earnings to average equity (ytd only) | 7.0594% | 1,675 |
| Net charge-offs to loans | 0.0019% | 3,836 |
| Credit loss provision to net charge-offs | 7,893.9891% | 65 |
| Earnings coverage of net charge-offs (x) | 978.2459% | 59 |
| Efficiency ratio | 58.0152% | 5,220 |
| Assets per employee ($millions) | 19.4716% | 50 |
| Cash dividends to net income (ytd only)* | 28.0591% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5735% | 6,011 |
| Loan loss allowance to noncurrent loans | 406.7391% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 5,424 |
| Noncurrent loans to loans | 0.1410% | 5,186 |
| Net loans and leases to total assets | 76.9840% | 1,224 |
| Net loans and leases to deposits | 97.6252% | 824 |
| Net loans and leases to core deposits | 102.1238% | 1,321 |
| Total domestic deposits to total assets | 78.8567% | 5,123 |
| Equity capital to assets | 9.9119% | 4,136 |
| Core capital (leverage) ratio | 9.8636% | 3,783 |
| Tier 1 risk-based capital ratio | 13.4719% | 4,238 |
| Total risk-based capital ratio | 14.1251% | 4,501 |
| Memoranda: | ||
| Average total assets | $50,846,121,670 | 38 |
| Average earning assets | $47,482,279,330 | 38 |
| Average equity | $5,039,510,000 | 40 |
| Average total loans | $39,426,364,330 | 33 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3380% | 5,353 |
| Cost of funding earning assets | 0.3183% | 4,244 |
| Net interest margin | 3.0197% | 5,156 |
| Noninterest income to average assets | 0.5849% | 2,737 |
| Noninterest expense to average assets | 2.0573% | 5,476 |
| Loan and lease loss provision to assets | 0.0957% | 2,090 |
| Net operating income to assets | 0.9309% | 2,605 |
| Return on assets (ROA) | 0.9327% | 2,723 |
| Pretax return on assets | 1.2503% | 2,464 |
| Return on Equity (ROE) | 9.4109% | 2,262 |
| Retained earnings to average equity (ytd only) | 6.6955% | 2,149 |
| Net charge-offs to loans | 0.0001% | 3,287 |
| Credit loss provision to net charge-offs | 91,438.4615% | 2 |
| Earnings coverage of net charge-offs (x) | 12,843.4615% | 2 |
| Efficiency ratio | 59.2748% | 5,184 |
| Assets per employee ($millions) | 19.8393% | 49 |
| Cash dividends to net income (ytd only)* | 28.8538% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5611% | 6,105 |
| Loan loss allowance to noncurrent loans | 438.1516% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 5,556 |
| Noncurrent loans to loans | 0.1281% | 5,314 |
| Net loans and leases to total assets | 76.0800% | 1,195 |
| Net loans and leases to deposits | 97.2763% | 745 |
| Net loans and leases to core deposits | 101.7563% | 1,196 |
| Total domestic deposits to total assets | 78.2102% | 5,409 |
| Equity capital to assets | 9.9380% | 4,215 |
| Core capital (leverage) ratio | 9.8979% | 3,752 |
| Tier 1 risk-based capital ratio | 13.7258% | 4,203 |
| Total risk-based capital ratio | 14.3710% | 4,461 |
| Memoranda: | ||
| Average total assets | $49,709,895,000 | 38 |
| Average earning assets | $46,356,244,500 | 38 |
| Average equity | $4,926,732,000 | 41 |
| Average total loans | $38,575,199,500 | 33 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 5,296 |
| Cost of funding earning assets | 0.3584% | 4,158 |
| Net interest margin | 3.1489% | 5,075 |
| Noninterest income to average assets | 0.6358% | 2,639 |
| Noninterest expense to average assets | 2.0260% | 5,721 |
| Loan and lease loss provision to assets | 0.1240% | 2,112 |
| Net operating income to assets | 1.0343% | 2,243 |
| Return on assets (ROA) | 1.0693% | 2,142 |
| Pretax return on assets | 1.4708% | 1,654 |
| Return on Equity (ROE) | 10.7231% | 1,807 |
| Retained earnings to average equity (ytd only) | 7.8600% | 1,068 |
| Net charge-offs to loans | 0.0059% | 4,812 |
| Credit loss provision to net charge-offs | 2,628.4784% | 118 |
| Earnings coverage of net charge-offs (x) | 327.8418% | 169 |
| Efficiency ratio | 55.3072% | 5,736 |
| Assets per employee ($millions) | 19.2950% | 50 |
| Cash dividends to net income (ytd only)* | 26.7001% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5445% | 6,209 |
| Loan loss allowance to noncurrent loans | 411.8668% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 5,617 |
| Noncurrent loans to loans | 0.1322% | 5,367 |
| Net loans and leases to total assets | 78.3244% | 959 |
| Net loans and leases to deposits | 101.9971% | 512 |
| Net loans and leases to core deposits | 106.9659% | 956 |
| Total domestic deposits to total assets | 76.7908% | 5,631 |
| Equity capital to assets | 9.8824% | 4,256 |
| Core capital (leverage) ratio | 9.4311% | 4,337 |
| Tier 1 risk-based capital ratio | 13.5475% | 4,386 |
| Total risk-based capital ratio | 14.2002% | 4,669 |
| Memoranda: | ||
| Average total assets | $45,544,450,600 | 38 |
| Average earning assets | $42,482,044,000 | 37 |
| Average equity | $4,541,656,600 | 43 |
| Average total loans | $36,123,543,000 | 31 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5342% | 5,311 |
| Cost of funding earning assets | 0.3636% | 4,199 |
| Net interest margin | 3.1706% | 5,055 |
| Noninterest income to average assets | 0.6395% | 2,629 |
| Noninterest expense to average assets | 2.0177% | 5,740 |
| Loan and lease loss provision to assets | 0.1261% | 1,982 |
| Net operating income to assets | 1.0561% | 2,209 |
| Return on assets (ROA) | 1.1047% | 2,071 |
| Pretax return on assets | 1.5206% | 1,580 |
| Return on Equity (ROE) | 11.0516% | 1,772 |
| Retained earnings to average equity (ytd only) | 8.1784% | 1,277 |
| Net charge-offs to loans | 0.0014% | 4,665 |
| Credit loss provision to net charge-offs | 11,587.4317% | 30 |
| Earnings coverage of net charge-offs (x) | 1,451.9771% | 42 |
| Efficiency ratio | 54.6453% | 5,762 |
| Assets per employee ($millions) | 19.1159% | 53 |
| Cash dividends to net income (ytd only)* | 25.9986% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5291% | 6,304 |
| Loan loss allowance to noncurrent loans | 388.7064% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 5,734 |
| Noncurrent loans to loans | 0.1361% | 5,519 |
| Net loans and leases to total assets | 78.5541% | 889 |
| Net loans and leases to deposits | 102.9836% | 452 |
| Net loans and leases to core deposits | 106.7525% | 912 |
| Total domestic deposits to total assets | 76.2783% | 5,778 |
| Equity capital to assets | 10.0377% | 4,120 |
| Core capital (leverage) ratio | 9.5074% | 4,358 |
| Tier 1 risk-based capital ratio | 13.8309% | 4,334 |
| Total risk-based capital ratio | 14.4725% | 4,653 |
| Memoranda: | ||
| Average total assets | $44,842,230,750 | 40 |
| Average earning assets | $41,840,001,000 | 38 |
| Average equity | $4,482,454,000 | 44 |
| Average total loans | $35,634,474,500 | 32 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 5,314 |
| Cost of funding earning assets | 0.3569% | 4,353 |
| Net interest margin | 3.1817% | 5,003 |
| Noninterest income to average assets | 0.6143% | 2,743 |
| Noninterest expense to average assets | 1.9906% | 5,854 |
| Loan and lease loss provision to assets | 0.1307% | 1,889 |
| Net operating income to assets | 1.0689% | 2,040 |
| Return on assets (ROA) | 1.0651% | 2,136 |
| Pretax return on assets | 1.4590% | 1,679 |
| Return on Equity (ROE) | 10.6705% | 1,856 |
| Retained earnings to average equity (ytd only) | 7.8075% | 1,391 |
| Net charge-offs to loans | 0.0033% | 4,275 |
| Credit loss provision to net charge-offs | 4,905.7725% | 75 |
| Earnings coverage of net charge-offs (x) | 598.8506% | 120 |
| Efficiency ratio | 54.0296% | 5,909 |
| Assets per employee ($millions) | 19.0558% | 50 |
| Cash dividends to net income (ytd only)* | 26.8311% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4966% | 6,416 |
| Loan loss allowance to noncurrent loans | 382.7307% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 5,820 |
| Noncurrent loans to loans | 0.1297% | 5,620 |
| Net loans and leases to total assets | 78.5884% | 841 |
| Net loans and leases to deposits | 103.7005% | 373 |
| Net loans and leases to core deposits | 107.4121% | 804 |
| Total domestic deposits to total assets | 75.7841% | 5,935 |
| Equity capital to assets | 9.9289% | 4,204 |
| Core capital (leverage) ratio | 9.7265% | 4,003 |
| Tier 1 risk-based capital ratio | 13.7386% | 4,422 |
| Total risk-based capital ratio | 14.3466% | 4,786 |
| Memoranda: | ||
| Average total assets | $44,229,334,330 | 40 |
| Average earning assets | $41,304,379,670 | 38 |
| Average equity | $4,414,713,670 | 45 |
| Average total loans | $35,224,353,330 | 31 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5552% | 5,285 |
| Cost of funding earning assets | 0.3625% | 4,414 |
| Net interest margin | 3.1928% | 4,943 |
| Noninterest income to average assets | 0.5490% | 3,053 |
| Noninterest expense to average assets | 2.0124% | 5,861 |
| Loan and lease loss provision to assets | 0.0656% | 2,812 |
| Net operating income to assets | 1.0620% | 1,962 |
| Return on assets (ROA) | 1.0614% | 2,035 |
| Pretax return on assets | 1.4539% | 1,571 |
| Return on Equity (ROE) | 10.6035% | 1,820 |
| Retained earnings to average equity (ytd only) | 7.8364% | 1,668 |
| Net charge-offs to loans | 0.0053% | 3,555 |
| Credit loss provision to net charge-offs | 1,545.7516% | 210 |
| Earnings coverage of net charge-offs (x) | 357.9847% | 133 |
| Efficiency ratio | 55.3912% | 5,887 |
| Assets per employee ($millions) | 18.5470% | 53 |
| Cash dividends to net income (ytd only)* | 26.0959% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4548% | 6,532 |
| Loan loss allowance to noncurrent loans | 306.3597% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 5,873 |
| Noncurrent loans to loans | 0.1485% | 5,643 |
| Net loans and leases to total assets | 78.7939% | 677 |
| Net loans and leases to deposits | 104.0930% | 288 |
| Net loans and leases to core deposits | 108.0613% | 670 |
| Total domestic deposits to total assets | 75.6957% | 6,100 |
| Equity capital to assets | 10.1340% | 3,678 |
| Core capital (leverage) ratio | 9.8502% | 3,786 |
| Tier 1 risk-based capital ratio | 14.0714% | 4,283 |
| Total risk-based capital ratio | 14.6357% | 4,705 |
| Memoranda: | ||
| Average total assets | $43,229,330,000 | 41 |
| Average earning assets | $40,399,644,000 | 39 |
| Average equity | $4,327,041,000 | 45 |
| Average total loans | $34,580,415,500 | 31 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8558% | 4,621 |
| Cost of funding earning assets | 0.3732% | 4,911 |
| Net interest margin | 3.4826% | 3,976 |
| Noninterest income to average assets | 0.6260% | 2,941 |
| Noninterest expense to average assets | 2.0227% | 5,985 |
| Loan and lease loss provision to assets | 0.0974% | 3,179 |
| Net operating income to assets | 1.2160% | 1,501 |
| Return on assets (ROA) | 1.2170% | 1,572 |
| Pretax return on assets | 1.7476% | 854 |
| Return on Equity (ROE) | 12.3269% | 1,320 |
| Retained earnings to average equity (ytd only) | 9.9663% | 566 |
| Net charge-offs to loans | 0.0451% | 4,587 |
| Credit loss provision to net charge-offs | 266.8664% | 848 |
| Earnings coverage of net charge-offs (x) | 50.5304% | 786 |
| Efficiency ratio | 50.5349% | 6,379 |
| Assets per employee ($millions) | 17.6352% | 57 |
| Cash dividends to net income (ytd only)* | 19.1497% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4492% | 6,609 |
| Loan loss allowance to noncurrent loans | 280.7843% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 5,912 |
| Noncurrent loans to loans | 0.1600% | 5,714 |
| Net loans and leases to total assets | 80.5131% | 541 |
| Net loans and leases to deposits | 105.6840% | 268 |
| Net loans and leases to core deposits | 110.3141% | 598 |
| Total domestic deposits to total assets | 76.1829% | 6,080 |
| Equity capital to assets | 9.8784% | 3,929 |
| Core capital (leverage) ratio | 9.1912% | 4,735 |
| Tier 1 risk-based capital ratio | 13.3414% | 4,755 |
| Total risk-based capital ratio | 13.8944% | 5,157 |
| Memoranda: | ||
| Average total assets | $37,969,381,000 | 42 |
| Average earning assets | $35,327,703,200 | 43 |
| Average equity | $3,748,483,400 | 48 |
| Average total loans | $30,721,789,800 | 31 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 4,460 |
| Cost of funding earning assets | 0.3619% | 5,177 |
| Net interest margin | 3.5491% | 3,659 |
| Noninterest income to average assets | 0.6594% | 2,830 |
| Noninterest expense to average assets | 2.1704% | 5,682 |
| Loan and lease loss provision to assets | 0.1052% | 3,000 |
| Net operating income to assets | 1.2537% | 1,475 |
| Return on assets (ROA) | 1.2563% | 1,535 |
| Pretax return on assets | 1.6863% | 1,130 |
| Return on Equity (ROE) | 12.7277% | 1,308 |
| Retained earnings to average equity (ytd only) | 10.5449% | 676 |
| Net charge-offs to loans | 0.0586% | 4,067 |
| Credit loss provision to net charge-offs | 222.0242% | 1,100 |
| Earnings coverage of net charge-offs (x) | 37.7206% | 1,050 |
| Efficiency ratio | 53.0119% | 6,180 |
| Assets per employee ($millions) | 17.6436% | 62 |
| Cash dividends to net income (ytd only)* | 17.1504% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4493% | 6,691 |
| Loan loss allowance to noncurrent loans | 281.4280% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 6,042 |
| Noncurrent loans to loans | 0.1597% | 5,836 |
| Net loans and leases to total assets | 78.9445% | 654 |
| Net loans and leases to deposits | 103.3174% | 320 |
| Net loans and leases to core deposits | 108.0331% | 665 |
| Total domestic deposits to total assets | 76.4096% | 6,122 |
| Equity capital to assets | 9.4718% | 4,587 |
| Core capital (leverage) ratio | 9.1761% | 4,869 |
| Tier 1 risk-based capital ratio | 13.0599% | 5,086 |
| Total risk-based capital ratio | 13.6195% | 5,471 |
| Memoranda: | ||
| Average total assets | $36,933,535,500 | 44 |
| Average earning assets | $34,331,209,250 | 43 |
| Average equity | $3,645,592,500 | 49 |
| Average total loans | $29,887,410,500 | 33 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9932% | 4,136 |
| Cost of funding earning assets | 0.3351% | 5,522 |
| Net interest margin | 3.6581% | 3,144 |
| Noninterest income to average assets | 0.7315% | 2,496 |
| Noninterest expense to average assets | 2.2339% | 5,543 |
| Loan and lease loss provision to assets | 0.1075% | 2,999 |
| Net operating income to assets | 1.3206% | 1,270 |
| Return on assets (ROA) | 1.3262% | 1,336 |
| Pretax return on assets | 1.7922% | 947 |
| Return on Equity (ROE) | 13.2307% | 1,185 |
| Retained earnings to average equity (ytd only) | 11.3606% | 587 |
| Net charge-offs to loans | 0.0049% | 4,808 |
| Credit loss provision to net charge-offs | 2,683.1697% | 126 |
| Earnings coverage of net charge-offs (x) | 472.2931% | 100 |
| Efficiency ratio | 52.3035% | 6,265 |
| Assets per employee ($millions) | 16.5320% | 67 |
| Cash dividends to net income (ytd only)* | 14.1348% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4863% | 6,716 |
| Loan loss allowance to noncurrent loans | 236.0674% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 5,995 |
| Noncurrent loans to loans | 0.2060% | 5,795 |
| Net loans and leases to total assets | 81.3331% | 403 |
| Net loans and leases to deposits | 107.5064% | 191 |
| Net loans and leases to core deposits | 111.7868% | 488 |
| Total domestic deposits to total assets | 75.6542% | 6,285 |
| Equity capital to assets | 10.1497% | 3,727 |
| Core capital (leverage) ratio | 9.8284% | 3,756 |
| Tier 1 risk-based capital ratio | 13.5208% | 4,753 |
| Total risk-based capital ratio | 14.1230% | 5,175 |
| Memoranda: | ||
| Average total assets | $35,594,440,670 | 44 |
| Average earning assets | $33,029,991,330 | 43 |
| Average equity | $3,567,857,670 | 50 |
| Average total loans | $29,025,109,670 | 34 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 3,965 |
| Cost of funding earning assets | 0.3191% | 5,811 |
| Net interest margin | 3.7178% | 2,785 |
| Noninterest income to average assets | 0.8164% | 2,067 |
| Noninterest expense to average assets | 2.2736% | 5,492 |
| Loan and lease loss provision to assets | 0.0746% | 3,385 |
| Net operating income to assets | 1.4085% | 1,009 |
| Return on assets (ROA) | 1.4085% | 1,095 |
| Pretax return on assets | 1.9163% | 711 |
| Return on Equity (ROE) | 14.1469% | 937 |
| Retained earnings to average equity (ytd only) | 13.2475% | 523 |
| Net charge-offs to loans | 0.0038% | 4,090 |
| Credit loss provision to net charge-offs | 2,426.2172% | 133 |
| Earnings coverage of net charge-offs (x) | 647.5019% | 50 |
| Efficiency ratio | 51.4635% | 6,413 |
| Assets per employee ($millions) | 16.1375% | 75 |
| Cash dividends to net income (ytd only)* | 6.3577% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4794% | 6,804 |
| Loan loss allowance to noncurrent loans | 243.7670% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 6,093 |
| Noncurrent loans to loans | 0.1967% | 5,910 |
| Net loans and leases to total assets | 80.5291% | 382 |
| Net loans and leases to deposits | 105.2091% | 206 |
| Net loans and leases to core deposits | 108.4351% | 550 |
| Total domestic deposits to total assets | 76.5419% | 6,301 |
| Equity capital to assets | 10.0274% | 4,116 |
| Core capital (leverage) ratio | 9.3540% | 4,316 |
| Tier 1 risk-based capital ratio | 13.5232% | 4,852 |
| Total risk-based capital ratio | 14.1274% | 5,258 |
| Memoranda: | ||
| Average total assets | $34,735,290,500 | 44 |
| Average earning assets | $32,214,699,500 | 43 |
| Average equity | $3,458,225,000 | 50 |
| Average total loans | $28,289,710,000 | 35 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 3,480 |
| Cost of funding earning assets | 0.3960% | 5,946 |
| Net interest margin | 4.0856% | 2,057 |
| Noninterest income to average assets | 0.5163% | 3,799 |
| Noninterest expense to average assets | 2.2369% | 5,844 |
| Loan and lease loss provision to assets | 0.2040% | 3,105 |
| Net operating income to assets | 1.2979% | 1,307 |
| Return on assets (ROA) | 1.2944% | 1,473 |
| Pretax return on assets | 1.8620% | 806 |
| Return on Equity (ROE) | 13.4588% | 1,112 |
| Retained earnings to average equity (ytd only) | 11.5136% | 373 |
| Net charge-offs to loans | 0.0066% | 5,868 |
| Credit loss provision to net charge-offs | 3,821.4458% | 62 |
| Earnings coverage of net charge-offs (x) | 387.4940% | 105 |
| Efficiency ratio | 50.4223% | 6,564 |
| Assets per employee ($millions) | 16.2975% | 78 |
| Cash dividends to net income (ytd only)* | 14.4532% | 3,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4607% | 6,863 |
| Loan loss allowance to noncurrent loans | 264.2545% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 6,209 |
| Noncurrent loans to loans | 0.1744% | 6,041 |
| Net loans and leases to total assets | 81.6034% | 351 |
| Net loans and leases to deposits | 103.5929% | 276 |
| Net loans and leases to core deposits | 106.8584% | 655 |
| Total domestic deposits to total assets | 78.7731% | 5,940 |
| Equity capital to assets | 9.8830% | 4,334 |
| Core capital (leverage) ratio | 9.3219% | 4,375 |
| Tier 1 risk-based capital ratio | 13.2719% | 4,922 |
| Total risk-based capital ratio | 13.8629% | 5,338 |
| Memoranda: | ||
| Average total assets | $31,092,327,200 | 47 |
| Average earning assets | $28,838,245,800 | 45 |
| Average equity | $2,990,398,800 | 53 |
| Average total loans | $25,198,693,400 | 37 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5701% | 3,333 |
| Cost of funding earning assets | 0.4176% | 6,005 |
| Net interest margin | 4.1526% | 1,892 |
| Noninterest income to average assets | 0.4805% | 4,061 |
| Noninterest expense to average assets | 2.2672% | 5,783 |
| Loan and lease loss provision to assets | 0.2036% | 3,042 |
| Net operating income to assets | 1.2939% | 1,456 |
| Return on assets (ROA) | 1.2878% | 1,615 |
| Pretax return on assets | 1.8560% | 951 |
| Return on Equity (ROE) | 13.4957% | 1,223 |
| Retained earnings to average equity (ytd only) | 12.3272% | 481 |
| Net charge-offs to loans | 0.0073% | 5,631 |
| Credit loss provision to net charge-offs | 3,437.3234% | 83 |
| Earnings coverage of net charge-offs (x) | 348.6161% | 128 |
| Efficiency ratio | 50.7478% | 6,532 |
| Assets per employee ($millions) | 15.7830% | 77 |
| Cash dividends to net income (ytd only)* | 8.6581% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4258% | 6,994 |
| Loan loss allowance to noncurrent loans | 283.4780% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.1305% | 6,389 |
| Noncurrent loans to loans | 0.1502% | 6,233 |
| Net loans and leases to total assets | 81.1142% | 421 |
| Net loans and leases to deposits | 102.8004% | 316 |
| Net loans and leases to core deposits | 106.5901% | 710 |
| Total domestic deposits to total assets | 78.9045% | 5,894 |
| Equity capital to assets | 9.7077% | 4,912 |
| Core capital (leverage) ratio | 9.3315% | 4,527 |
| Tier 1 risk-based capital ratio | 13.5681% | 4,840 |
| Total risk-based capital ratio | 14.1181% | 5,319 |
| Memoranda: | ||
| Average total assets | $30,268,489,750 | 48 |
| Average earning assets | $28,078,145,250 | 47 |
| Average equity | $2,888,362,500 | 54 |
| Average total loans | $24,450,519,250 | 38 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 3,193 |
| Cost of funding earning assets | 0.4348% | 6,071 |
| Net interest margin | 4.2036% | 1,740 |
| Noninterest income to average assets | 0.4504% | 4,282 |
| Noninterest expense to average assets | 2.2800% | 5,793 |
| Loan and lease loss provision to assets | 0.2015% | 3,062 |
| Net operating income to assets | 1.2953% | 1,455 |
| Return on assets (ROA) | 1.2859% | 1,634 |
| Pretax return on assets | 1.8548% | 929 |
| Return on Equity (ROE) | 13.5620% | 1,216 |
| Retained earnings to average equity (ytd only) | 13.0942% | 429 |
| Net charge-offs to loans | 0.0067% | 5,394 |
| Credit loss provision to net charge-offs | 3,758.1542% | 74 |
| Earnings coverage of net charge-offs (x) | 385.1062% | 108 |
| Efficiency ratio | 50.8396% | 6,586 |
| Assets per employee ($millions) | 15.2947% | 79 |
| Cash dividends to net income (ytd only)* | 3.4492% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3862% | 7,087 |
| Loan loss allowance to noncurrent loans | 339.3915% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 6,537 |
| Noncurrent loans to loans | 0.1138% | 6,374 |
| Net loans and leases to total assets | 80.7917% | 427 |
| Net loans and leases to deposits | 103.3847% | 293 |
| Net loans and leases to core deposits | 107.5280% | 683 |
| Total domestic deposits to total assets | 78.1466% | 6,130 |
| Equity capital to assets | 9.8642% | 4,524 |
| Core capital (leverage) ratio | 9.5535% | 4,074 |
| Tier 1 risk-based capital ratio | 13.6810% | 4,689 |
| Total risk-based capital ratio | 14.1735% | 5,212 |
| Memoranda: | ||
| Average total assets | $29,499,263,000 | 48 |
| Average earning assets | $27,333,460,330 | 47 |
| Average equity | $2,797,016,000 | 54 |
| Average total loans | $23,755,058,670 | 38 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 3,221 |
| Cost of funding earning assets | 0.4185% | 6,323 |
| Net interest margin | 4.2398% | 1,637 |
| Noninterest income to average assets | 0.4291% | 4,459 |
| Noninterest expense to average assets | 2.2916% | 5,787 |
| Loan and lease loss provision to assets | 0.2066% | 2,885 |
| Net operating income to assets | 1.2844% | 1,491 |
| Return on assets (ROA) | 1.2764% | 1,687 |
| Pretax return on assets | 1.8556% | 963 |
| Return on Equity (ROE) | 13.7609% | 1,237 |
| Retained earnings to average equity (ytd only) | 13.3933% | 631 |
| Net charge-offs to loans | 0.0095% | 4,597 |
| Credit loss provision to net charge-offs | 2,715.1737% | 112 |
| Earnings coverage of net charge-offs (x) | 271.7879% | 124 |
| Efficiency ratio | 50.8773% | 6,619 |
| Assets per employee ($millions) | 15.9351% | 78 |
| Cash dividends to net income (ytd only)* | 2.6712% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3508% | 7,153 |
| Loan loss allowance to noncurrent loans | 299.9199% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 6,609 |
| Noncurrent loans to loans | 0.1170% | 6,462 |
| Net loans and leases to total assets | 78.7689% | 517 |
| Net loans and leases to deposits | 100.6637% | 348 |
| Net loans and leases to core deposits | 105.1912% | 709 |
| Total domestic deposits to total assets | 78.2495% | 6,233 |
| Equity capital to assets | 9.4777% | 4,840 |
| Core capital (leverage) ratio | 9.4792% | 4,084 |
| Tier 1 risk-based capital ratio | 14.0090% | 4,468 |
| Total risk-based capital ratio | 14.4670% | 5,031 |
| Memoranda: | ||
| Average total assets | $28,755,394,000 | 48 |
| Average earning assets | $26,657,680,500 | 47 |
| Average equity | $2,667,217,500 | 56 |
| Average total loans | $23,066,604,000 | 38 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1028% | 2,445 |
| Cost of funding earning assets | 0.5034% | 6,515 |
| Net interest margin | 4.5994% | 926 |
| Noninterest income to average assets | 0.4511% | 4,205 |
| Noninterest expense to average assets | 2.3189% | 5,998 |
| Loan and lease loss provision to assets | 0.2105% | 4,082 |
| Net operating income to assets | 1.4325% | 964 |
| Return on assets (ROA) | 1.4160% | 1,072 |
| Pretax return on assets | 2.2125% | 358 |
| Return on Equity (ROE) | 15.1462% | 721 |
| Retained earnings to average equity (ytd only) | 15.1462% | 123 |
| Net charge-offs to loans | 0.0150% | 6,228 |
| Credit loss provision to net charge-offs | 1,729.8843% | 129 |
| Earnings coverage of net charge-offs (x) | 200.4182% | 173 |
| Efficiency ratio | 46.8235% | 7,006 |
| Assets per employee ($millions) | 15.2618% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3008% | 7,219 |
| Loan loss allowance to noncurrent loans | 258.2679% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 6,685 |
| Noncurrent loans to loans | 0.1165% | 6,523 |
| Net loans and leases to total assets | 81.2231% | 389 |
| Net loans and leases to deposits | 100.5080% | 433 |
| Net loans and leases to core deposits | 105.7980% | 801 |
| Total domestic deposits to total assets | 80.8125% | 5,509 |
| Equity capital to assets | 9.0594% | 5,484 |
| Core capital (leverage) ratio | 8.8127% | 5,077 |
| Tier 1 risk-based capital ratio | 13.2536% | 4,871 |
| Total risk-based capital ratio | 13.6506% | 5,509 |
| Memoranda: | ||
| Average total assets | $24,864,299,400 | 53 |
| Average earning assets | $23,278,824,200 | 50 |
| Average equity | $2,324,596,200 | 60 |
| Average total loans | $20,162,191,400 | 39 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1310% | 2,469 |
| Cost of funding earning assets | 0.5179% | 6,634 |
| Net interest margin | 4.6131% | 921 |
| Noninterest income to average assets | 0.4659% | 4,163 |
| Noninterest expense to average assets | 2.3126% | 5,996 |
| Loan and lease loss provision to assets | 0.1998% | 4,024 |
| Net operating income to assets | 1.4609% | 1,025 |
| Return on assets (ROA) | 1.4442% | 1,142 |
| Pretax return on assets | 2.2675% | 381 |
| Return on Equity (ROE) | 15.3108% | 787 |
| Retained earnings to average equity (ytd only) | 15.3108% | 211 |
| Net charge-offs to loans | 0.0114% | 5,991 |
| Credit loss provision to net charge-offs | 2,159.4030% | 127 |
| Earnings coverage of net charge-offs (x) | 268.2546% | 144 |
| Efficiency ratio | 46.2378% | 7,047 |
| Assets per employee ($millions) | 14.6410% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2545% | 7,310 |
| Loan loss allowance to noncurrent loans | 191.4449% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 6,756 |
| Noncurrent loans to loans | 0.1329% | 6,607 |
| Net loans and leases to total assets | 78.0108% | 705 |
| Net loans and leases to deposits | 95.9576% | 699 |
| Net loans and leases to core deposits | 102.8656% | 1,046 |
| Total domestic deposits to total assets | 81.2971% | 5,336 |
| Equity capital to assets | 9.0067% | 5,754 |
| Core capital (leverage) ratio | 8.9510% | 5,013 |
| Tier 1 risk-based capital ratio | 13.8132% | 4,490 |
| Total risk-based capital ratio | 14.1544% | 5,147 |
| Memoranda: | ||
| Average total assets | $24,132,424,000 | 55 |
| Average earning assets | $22,647,425,250 | 51 |
| Average equity | $2,276,304,750 | 60 |
| Average total loans | $19,542,370,500 | 39 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2150% | 2,206 |
| Cost of funding earning assets | 0.5178% | 6,789 |
| Net interest margin | 4.6972% | 736 |
| Noninterest income to average assets | 0.4867% | 3,965 |
| Noninterest expense to average assets | 2.3566% | 5,972 |
| Loan and lease loss provision to assets | 0.1775% | 4,147 |
| Net operating income to assets | 1.5145% | 859 |
| Return on assets (ROA) | 1.4933% | 962 |
| Pretax return on assets | 2.3453% | 320 |
| Return on Equity (ROE) | 15.5620% | 710 |
| Retained earnings to average equity (ytd only) | 15.5620% | 218 |
| Net charge-offs to loans | 0.0131% | 5,664 |
| Credit loss provision to net charge-offs | 1,653.7660% | 208 |
| Earnings coverage of net charge-offs (x) | 236.9720% | 148 |
| Efficiency ratio | 46.0385% | 7,154 |
| Assets per employee ($millions) | 14.1569% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1934% | 7,392 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 6,784 |
| Noncurrent loans to loans | 0.1354% | 6,638 |
| Net loans and leases to total assets | 82.8205% | 318 |
| Net loans and leases to deposits | 98.8444% | 552 |
| Net loans and leases to core deposits | 106.9302% | 870 |
| Total domestic deposits to total assets | 83.7887% | 4,434 |
| Equity capital to assets | 9.7608% | 4,442 |
| Core capital (leverage) ratio | 9.3817% | 4,139 |
| Tier 1 risk-based capital ratio | 14.3892% | 3,876 |
| Total risk-based capital ratio | 14.7371% | 4,515 |
| Memoranda: | ||
| Average total assets | $23,250,443,000 | 57 |
| Average earning assets | $21,847,696,670 | 53 |
| Average equity | $2,231,120,000 | 63 |
| Average total loans | $19,075,387,330 | 42 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 2,102 |
| Cost of funding earning assets | 0.5075% | 6,948 |
| Net interest margin | 4.7265% | 664 |
| Noninterest income to average assets | 0.5278% | 3,668 |
| Noninterest expense to average assets | 2.3531% | 6,042 |
| Loan and lease loss provision to assets | 0.1325% | 4,345 |
| Net operating income to assets | 1.5679% | 743 |
| Return on assets (ROA) | 1.5454% | 827 |
| Pretax return on assets | 2.4663% | 260 |
| Return on Equity (ROE) | 16.2493% | 651 |
| Retained earnings to average equity (ytd only) | 16.2493% | 310 |
| Net charge-offs to loans | 0.0110% | 4,933 |
| Credit loss provision to net charge-offs | 1,481.1284% | 276 |
| Earnings coverage of net charge-offs (x) | 292.9397% | 102 |
| Efficiency ratio | 45.2334% | 7,236 |
| Assets per employee ($millions) | 15.1809% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1372% | 7,466 |
| Loan loss allowance to noncurrent loans | 115.0648% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 6,902 |
| Noncurrent loans to loans | 0.1193% | 6,750 |
| Net loans and leases to total assets | 79.9587% | 515 |
| Net loans and leases to deposits | 94.1208% | 808 |
| Net loans and leases to core deposits | 102.5663% | 1,156 |
| Total domestic deposits to total assets | 84.9533% | 4,049 |
| Equity capital to assets | 9.4686% | 4,481 |
| Core capital (leverage) ratio | 9.2359% | 4,233 |
| Tier 1 risk-based capital ratio | 14.6864% | 3,621 |
| Total risk-based capital ratio | 14.9662% | 4,239 |
| Memoranda: | ||
| Average total assets | $22,976,778,000 | 56 |
| Average earning assets | $21,616,206,000 | 53 |
| Average equity | $2,185,252,000 | 63 |
| Average total loans | $18,739,267,500 | 44 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6304% | 7,534 |
| Cost of funding earning assets | 0.2586% | 7,529 |
| Net interest margin | 2.3718% | 7,333 |
| Noninterest income to average assets | 0.2015% | 6,341 |
| Noninterest expense to average assets | 1.2597% | 7,534 |
| Loan and lease loss provision to assets | 0.0849% | 6,303 |
| Net operating income to assets | 0.6531% | 3,425 |
| Return on assets (ROA) | 0.6423% | 3,625 |
| Pretax return on assets | 1.0776% | 2,667 |
| Return on Equity (ROE) | 6.9916% | 3,130 |
| Retained earnings to average equity (ytd only) | 6.9916% | 1,327 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4943% | 7,168 |
| Assets per employee ($millions) | 14.8986% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1011% | 7,556 |
| Loan loss allowance to noncurrent loans | 102.5405% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 7,024 |
| Noncurrent loans to loans | 0.0986% | 6,890 |
| Net loans and leases to total assets | 83.0419% | 381 |
| Net loans and leases to deposits | 96.6056% | 812 |
| Net loans and leases to core deposits | 106.2645% | 1,174 |
| Total domestic deposits to total assets | 85.9597% | 3,377 |
| Equity capital to assets | 9.5550% | 4,335 |
| Core capital (leverage) ratio | 9.2437% | 4,100 |
| Tier 1 risk-based capital ratio | 14.3801% | 3,625 |
| Total risk-based capital ratio | 14.6119% | 4,281 |
| Memoranda: | ||
| Average total assets | $22,165,850,500 | 55 |
| Average earning assets | $20,854,862,500 | 53 |
| Average equity | $2,036,177,500 | 66 |
| Average total loans | $18,230,481,000 | 44 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7068% | 7,705 |
| Cost of funding earning assets | 0.1779% | 7,681 |
| Net interest margin | 1.5289% | 7,670 |
| Noninterest income to average assets | 0.1107% | 6,990 |
| Noninterest expense to average assets | 0.8271% | 7,715 |
| Loan and lease loss provision to assets | 0.0273% | 6,796 |
| Net operating income to assets | 0.4105% | 4,703 |
| Return on assets (ROA) | 0.4032% | 4,911 |
| Pretax return on assets | 0.6885% | 4,270 |
| Return on Equity (ROE) | 4.5769% | 4,516 |
| Retained earnings to average equity (ytd only) | 4.5769% | 3,289 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9136% | 7,076 |
| Assets per employee ($millions) | 15.0887% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0252% | 7,682 |
| Loan loss allowance to noncurrent loans | 21.9256% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 7,115 |
| Noncurrent loans to loans | 0.1149% | 6,955 |
| Net loans and leases to total assets | 81.3281% | 581 |
| Net loans and leases to deposits | 94.1474% | 1,183 |
| Net loans and leases to core deposits | 104.3003% | 1,454 |
| Total domestic deposits to total assets | 86.3838% | 2,864 |
| Equity capital to assets | 8.8101% | 5,849 |
| Core capital (leverage) ratio | 8.5780% | 5,378 |
| Tier 1 risk-based capital ratio | 13.6025% | 4,117 |
| Total risk-based capital ratio | 13.7341% | 4,975 |
| Memoranda: | ||
| Average total assets | $21,954,068,000 | 55 |
| Average earning assets | $20,670,832,000 | 53 |
| Average equity | $1,934,169,000 | 69 |
| Average total loans | $17,859,336,000 | 45 |