Home > Frost Bank > Performance and Condition Ratios
Frost Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7568% | 2,560 |
| Cost of funding earning assets | 1.3876% | 2,261 |
| Net interest margin | 3.3692% | 2,472 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.4187% | 2,531 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.2099% | 1,629 |
| Return on assets (ROA) | 1.2101% | 1,597 |
| Pretax return on assets | 1.4483% | 1,537 |
| Return on Equity (ROE) | 18.8000% | 726 |
| Retained earnings to average equity (ytd only) | 10.2016% | 963 |
| Net charge-offs to loans | 0.1924% | 557 |
| Credit loss provision to net charge-offs | 153.2825% | 1,454 |
| Earnings coverage of net charge-offs (x) | 22.5575% | 1,814 |
| Efficiency ratio | 60.9914% | 2,972 |
| Assets per employee ($millions) | 9.2734% | 890 |
| Cash dividends to net income (ytd only)* | 45.7412% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 1,730 |
| Loan loss allowance to noncurrent loans | 323.9347% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 2,517 |
| Noncurrent loans to loans | 0.4034% | 1,778 |
| Net loans and leases to total assets | 36.4600% | 4,138 |
| Net loans and leases to deposits | 43.8113% | 4,108 |
| Net loans and leases to core deposits | 47.6853% | 4,132 |
| Total domestic deposits to total assets | 83.2300% | 2,831 |
| Equity capital to assets | 7.1026% | 3,902 |
| Core capital (leverage) ratio | 8.1015% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2002% | 1,802 |
| Memoranda: | ||
| Average total assets | $50,529,646,600 | 44 |
| Average earning assets | $46,674,337,600 | 43 |
| Average equity | $3,252,034,400 | 63 |
| Average total loans | $17,923,564,000 | 71 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 2,491 |
| Cost of funding earning assets | 1.3157% | 2,110 |
| Net interest margin | 3.3744% | 2,507 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 2.2693% | 2,888 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.3359% | 1,457 |
| Return on assets (ROA) | 1.3361% | 1,439 |
| Pretax return on assets | 1.6023% | 1,352 |
| Return on Equity (ROE) | 21.3200% | 612 |
| Retained earnings to average equity (ytd only) | 12.2046% | 939 |
| Net charge-offs to loans | 0.1778% | 487 |
| Credit loss provision to net charge-offs | 161.9185% | 1,265 |
| Earnings coverage of net charge-offs (x) | 26.9507% | 1,656 |
| Efficiency ratio | 57.3834% | 3,273 |
| Assets per employee ($millions) | 9.0202% | 923 |
| Cash dividends to net income (ytd only)* | 42.7484% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 1,788 |
| Loan loss allowance to noncurrent loans | 292.1556% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 2,442 |
| Noncurrent loans to loans | 0.4506% | 1,694 |
| Net loans and leases to total assets | 37.2100% | 4,148 |
| Net loans and leases to deposits | 43.8658% | 4,108 |
| Net loans and leases to core deposits | 47.4844% | 4,099 |
| Total domestic deposits to total assets | 84.8200% | 2,553 |
| Equity capital to assets | 5.9779% | 3,994 |
| Core capital (leverage) ratio | 7.9550% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3256% | 1,782 |
| Memoranda: | ||
| Average total assets | $50,422,788,500 | 45 |
| Average earning assets | $46,633,664,000 | 44 |
| Average equity | $3,160,226,750 | 66 |
| Average total loans | $17,697,811,500 | 72 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 2,481 |
| Cost of funding earning assets | 1.2200% | 1,927 |
| Net interest margin | 3.3505% | 2,639 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 2.2220% | 3,009 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.3579% | 1,428 |
| Return on assets (ROA) | 1.3581% | 1,412 |
| Pretax return on assets | 1.6244% | 1,364 |
| Return on Equity (ROE) | 21.3500% | 594 |
| Retained earnings to average equity (ytd only) | 12.1215% | 961 |
| Net charge-offs to loans | 0.2131% | 379 |
| Credit loss provision to net charge-offs | 132.2300% | 1,275 |
| Earnings coverage of net charge-offs (x) | 23.2608% | 1,676 |
| Efficiency ratio | 56.6548% | 3,338 |
| Assets per employee ($millions) | 9.2741% | 830 |
| Cash dividends to net income (ytd only)* | 43.2358% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 1,859 |
| Loan loss allowance to noncurrent loans | 293.5207% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 2,407 |
| Noncurrent loans to loans | 0.4484% | 1,598 |
| Net loans and leases to total assets | 36.0100% | 4,174 |
| Net loans and leases to deposits | 42.6139% | 4,143 |
| Net loans and leases to core deposits | 45.3313% | 4,140 |
| Total domestic deposits to total assets | 84.4900% | 2,694 |
| Equity capital to assets | 6.7790% | 3,890 |
| Core capital (leverage) ratio | 7.8849% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4055% | 1,758 |
| Memoranda: | ||
| Average total assets | $50,963,892,333 | 45 |
| Average earning assets | $47,200,771,000 | 44 |
| Average equity | $3,241,243,667 | 64 |
| Average total loans | $17,463,993,333 | 70 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 2,461 |
| Cost of funding earning assets | 1.1033% | 1,744 |
| Net interest margin | 3.3276% | 2,807 |
| Noninterest income to average assets | 0.8100% | 834 |
| Noninterest expense to average assets | 2.1778% | 3,155 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.3824% | 1,457 |
| Return on assets (ROA) | 1.3825% | 1,427 |
| Pretax return on assets | 1.6466% | 1,375 |
| Return on Equity (ROE) | 22.4300% | 552 |
| Retained earnings to average equity (ytd only) | 12.7704% | 1,128 |
| Net charge-offs to loans | 0.2028% | 360 |
| Credit loss provision to net charge-offs | 144.3293% | 966 |
| Earnings coverage of net charge-offs (x) | 25.4653% | 1,367 |
| Efficiency ratio | 55.9060% | 3,417 |
| Assets per employee ($millions) | 10.0344% | 688 |
| Cash dividends to net income (ytd only)* | 43.0602% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 1,927 |
| Loan loss allowance to noncurrent loans | 478.5819% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 2,859 |
| Noncurrent loans to loans | 0.2766% | 2,156 |
| Net loans and leases to total assets | 33.6400% | 4,275 |
| Net loans and leases to deposits | 40.5161% | 4,212 |
| Net loans and leases to core deposits | 41.6736% | 4,225 |
| Total domestic deposits to total assets | 83.0400% | 3,290 |
| Equity capital to assets | 6.5655% | 4,013 |
| Core capital (leverage) ratio | 7.4479% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1938% | 1,910 |
| Memoranda: | ||
| Average total assets | $52,119,744,500 | 47 |
| Average earning assets | $48,363,926,500 | 46 |
| Average equity | $3,212,794,500 | 68 |
| Average total loans | $17,320,404,500 | 75 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0536% | 4,068 |
| Cost of funding earning assets | 0.3627% | 2,384 |
| Net interest margin | 2.6908% | 4,068 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 1.9576% | 3,688 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1345% | 2,035 |
| Return on assets (ROA) | 1.1345% | 1,980 |
| Pretax return on assets | 1.3177% | 2,022 |
| Return on Equity (ROE) | 17.7000% | 748 |
| Retained earnings to average equity (ytd only) | 16.1485% | 216 |
| Net charge-offs to loans | 0.0942% | 755 |
| Credit loss provision to net charge-offs | -33.4750% | 4,557 |
| Earnings coverage of net charge-offs (x) | 43.6628% | 1,447 |
| Efficiency ratio | 59.6348% | 3,106 |
| Assets per employee ($millions) | 10.6226% | 556 |
| Cash dividends to net income (ytd only)* | 8.7627% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 1,773 |
| Loan loss allowance to noncurrent loans | 346.8088% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 2,648 |
| Noncurrent loans to loans | 0.3826% | 1,770 |
| Net loans and leases to total assets | 31.9700% | 4,340 |
| Net loans and leases to deposits | 38.1594% | 4,286 |
| Net loans and leases to core deposits | 38.8194% | 4,310 |
| Total domestic deposits to total assets | 83.7700% | 3,260 |
| Equity capital to assets | 5.7757% | 4,163 |
| Core capital (leverage) ratio | 7.0946% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8031% | 2,050 |
| Memoranda: | ||
| Average total assets | $52,016,931,200 | 49 |
| Average earning assets | $48,416,709,600 | 47 |
| Average equity | $3,334,113,800 | 69 |
| Average total loans | $16,744,089,200 | 77 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6900% | 4,299 |
| Cost of funding earning assets | 0.2000% | 3,273 |
| Net interest margin | 2.4900% | 4,217 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 1.9008% | 3,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0201% | 2,408 |
| Return on assets (ROA) | 1.0201% | 2,382 |
| Pretax return on assets | 1.1872% | 2,418 |
| Return on Equity (ROE) | 15.5200% | 1,075 |
| Retained earnings to average equity (ytd only) | 13.4969% | 542 |
| Net charge-offs to loans | 0.0958% | 644 |
| Credit loss provision to net charge-offs | -20.0318% | 4,617 |
| Earnings coverage of net charge-offs (x) | 38.5667% | 1,407 |
| Efficiency ratio | 61.5214% | 2,895 |
| Assets per employee ($millions) | 10.7846% | 530 |
| Cash dividends to net income (ytd only)* | 13.0516% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3823% | 1,662 |
| Loan loss allowance to noncurrent loans | 529.5135% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.0849% | 3,074 |
| Noncurrent loans to loans | 0.2611% | 2,331 |
| Net loans and leases to total assets | 31.5400% | 4,389 |
| Net loans and leases to deposits | 35.5542% | 4,378 |
| Net loans and leases to core deposits | 36.0933% | 4,403 |
| Total domestic deposits to total assets | 88.7000% | 2,212 |
| Equity capital to assets | 5.0633% | 4,276 |
| Core capital (leverage) ratio | 6.7917% | 4,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5425% | 2,244 |
| Memoranda: | ||
| Average total assets | $51,782,722,250 | 51 |
| Average earning assets | $48,237,874,750 | 49 |
| Average equity | $3,403,034,750 | 67 |
| Average total loans | $16,641,415,250 | 79 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3553% | 4,487 |
| Cost of funding earning assets | 0.0914% | 4,281 |
| Net interest margin | 2.2638% | 4,366 |
| Noninterest income to average assets | 0.7746% | 1,115 |
| Noninterest expense to average assets | 1.8745% | 3,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8714% | 2,693 |
| Return on assets (ROA) | 0.8714% | 2,667 |
| Pretax return on assets | 1.0110% | 2,685 |
| Return on Equity (ROE) | 12.2903% | 1,588 |
| Retained earnings to average equity (ytd only) | 9.4512% | 1,153 |
| Net charge-offs to loans | 0.1101% | 549 |
| Credit loss provision to net charge-offs | 0.7471% | 1,662 |
| Earnings coverage of net charge-offs (x) | 28.5321% | 1,409 |
| Efficiency ratio | 64.9252% | 2,646 |
| Assets per employee ($millions) | 10.8124% | 525 |
| Cash dividends to net income (ytd only)* | 23.1001% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 1,632 |
| Loan loss allowance to noncurrent loans | 523.7858% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 3,078 |
| Noncurrent loans to loans | 0.2734% | 2,384 |
| Net loans and leases to total assets | 31.8183% | 4,407 |
| Net loans and leases to deposits | 35.7751% | 4,397 |
| Net loans and leases to core deposits | 36.2777% | 4,424 |
| Total domestic deposits to total assets | 88.9396% | 2,210 |
| Equity capital to assets | 6.1071% | 4,174 |
| Core capital (leverage) ratio | 6.6222% | 4,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2847% | 2,379 |
| Memoranda: | ||
| Average total assets | $51,374,932,000 | 50 |
| Average earning assets | $47,903,930,000 | 49 |
| Average equity | $3,642,754,000 | 65 |
| Average total loans | $16,538,342,667 | 78 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1494% | 4,555 |
| Cost of funding earning assets | 0.0455% | 4,628 |
| Net interest margin | 2.1039% | 4,444 |
| Noninterest income to average assets | 0.7919% | 1,064 |
| Noninterest expense to average assets | 1.8562% | 3,793 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7944% | 2,678 |
| Return on assets (ROA) | 0.7944% | 2,672 |
| Pretax return on assets | 0.9019% | 2,770 |
| Return on Equity (ROE) | 10.4672% | 1,807 |
| Retained earnings to average equity (ytd only) | 5.1376% | 2,542 |
| Net charge-offs to loans | 0.1532% | 384 |
| Credit loss provision to net charge-offs | 70.9134% | 1,137 |
| Earnings coverage of net charge-offs (x) | 18.3172% | 1,306 |
| Efficiency ratio | 67.2587% | 2,597 |
| Assets per employee ($millions) | 10.9905% | 511 |
| Cash dividends to net income (ytd only)* | 50.9167% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,569 |
| Loan loss allowance to noncurrent loans | 376.6288% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 2,879 |
| Noncurrent loans to loans | 0.3962% | 2,072 |
| Net loans and leases to total assets | 31.7498% | 4,389 |
| Net loans and leases to deposits | 36.2193% | 4,376 |
| Net loans and leases to core deposits | 36.7016% | 4,408 |
| Total domestic deposits to total assets | 87.6600% | 2,684 |
| Equity capital to assets | 6.9096% | 4,251 |
| Core capital (leverage) ratio | 6.5709% | 4,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2934% | 2,483 |
| Memoranda: | ||
| Average total assets | $51,139,556,500 | 50 |
| Average earning assets | $47,794,739,000 | 49 |
| Average equity | $3,881,005,000 | 64 |
| Average total loans | $16,439,499,500 | 80 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3357% | 4,572 |
| Cost of funding earning assets | 0.0387% | 4,736 |
| Net interest margin | 2.2970% | 4,415 |
| Noninterest income to average assets | 0.8296% | 1,380 |
| Noninterest expense to average assets | 1.8875% | 3,951 |
| Loan and lease loss provision to assets | 0.0001% | 3,062 |
| Net operating income to assets | 0.9734% | 2,782 |
| Return on assets (ROA) | 0.9736% | 2,843 |
| Pretax return on assets | 1.0840% | 3,020 |
| Return on Equity (ROE) | 10.8604% | 2,212 |
| Retained earnings to average equity (ytd only) | 5.5902% | 2,519 |
| Net charge-offs to loans | 0.0500% | 1,314 |
| Credit loss provision to net charge-offs | -72.4626% | 3,302 |
| Earnings coverage of net charge-offs (x) | 59.8233% | 1,176 |
| Efficiency ratio | 63.4712% | 2,644 |
| Assets per employee ($millions) | 11.1912% | 484 |
| Cash dividends to net income (ytd only)* | 48.5271% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5222% | 1,477 |
| Loan loss allowance to noncurrent loans | 269.0142% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 2,619 |
| Noncurrent loans to loans | 0.5658% | 1,721 |
| Net loans and leases to total assets | 31.5733% | 4,463 |
| Net loans and leases to deposits | 37.2189% | 4,438 |
| Net loans and leases to core deposits | 37.5951% | 4,472 |
| Total domestic deposits to total assets | 84.8315% | 3,319 |
| Equity capital to assets | 8.2735% | 4,194 |
| Core capital (leverage) ratio | 6.8031% | 4,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6134% | 2,405 |
| Memoranda: | ||
| Average total assets | $46,436,782,200 | 53 |
| Average earning assets | $43,301,938,200 | 50 |
| Average equity | $4,162,740,000 | 62 |
| Average total loans | $16,827,748,200 | 77 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4143% | 4,620 |
| Cost of funding earning assets | 0.0389% | 4,817 |
| Net interest margin | 2.3754% | 4,424 |
| Noninterest income to average assets | 0.8134% | 1,481 |
| Noninterest expense to average assets | 1.8806% | 3,990 |
| Loan and lease loss provision to assets | 0.0002% | 2,962 |
| Net operating income to assets | 1.0261% | 2,815 |
| Return on assets (ROA) | 1.0261% | 2,879 |
| Pretax return on assets | 1.1442% | 3,090 |
| Return on Equity (ROE) | 11.2032% | 2,307 |
| Retained earnings to average equity (ytd only) | 5.9225% | 2,859 |
| Net charge-offs to loans | 0.0442% | 1,227 |
| Credit loss provision to net charge-offs | -131.5911% | 3,279 |
| Earnings coverage of net charge-offs (x) | 69.1365% | 1,071 |
| Efficiency ratio | 62.1154% | 2,677 |
| Assets per employee ($millions) | 10.5026% | 556 |
| Cash dividends to net income (ytd only)* | 47.1358% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 1,390 |
| Loan loss allowance to noncurrent loans | 309.6682% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 2,945 |
| Noncurrent loans to loans | 0.5102% | 2,031 |
| Net loans and leases to total assets | 32.4800% | 4,526 |
| Net loans and leases to deposits | 38.7806% | 4,492 |
| Net loans and leases to core deposits | 39.1997% | 4,535 |
| Total domestic deposits to total assets | 83.7534% | 3,524 |
| Equity capital to assets | 8.6923% | 4,076 |
| Core capital (leverage) ratio | 7.0180% | 4,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0328% | 2,351 |
| Memoranda: | ||
| Average total assets | $45,307,561,250 | 54 |
| Average earning assets | $42,184,523,750 | 51 |
| Average equity | $4,149,516,250 | 62 |
| Average total loans | $16,950,577,250 | 77 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4710% | 4,642 |
| Cost of funding earning assets | 0.0387% | 4,862 |
| Net interest margin | 2.4324% | 4,389 |
| Noninterest income to average assets | 0.8263% | 1,464 |
| Noninterest expense to average assets | 1.9009% | 3,961 |
| Loan and lease loss provision to assets | 0.0003% | 2,858 |
| Net operating income to assets | 1.0743% | 2,629 |
| Return on assets (ROA) | 1.0743% | 2,701 |
| Pretax return on assets | 1.1898% | 2,940 |
| Return on Equity (ROE) | 11.5189% | 2,226 |
| Retained earnings to average equity (ytd only) | 6.5046% | 2,623 |
| Net charge-offs to loans | 0.0405% | 1,227 |
| Credit loss provision to net charge-offs | -124.7578% | 3,099 |
| Earnings coverage of net charge-offs (x) | 75.3009% | 864 |
| Efficiency ratio | 61.4414% | 2,805 |
| Assets per employee ($millions) | 10.3212% | 557 |
| Cash dividends to net income (ytd only)* | 43.5308% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 1,460 |
| Loan loss allowance to noncurrent loans | 290.8834% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 2,971 |
| Noncurrent loans to loans | 0.5287% | 2,086 |
| Net loans and leases to total assets | 34.9703% | 4,500 |
| Net loans and leases to deposits | 41.6903% | 4,468 |
| Net loans and leases to core deposits | 42.1672% | 4,514 |
| Total domestic deposits to total assets | 83.8812% | 3,474 |
| Equity capital to assets | 8.9513% | 3,834 |
| Core capital (leverage) ratio | 7.1136% | 4,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2977% | 2,251 |
| Memoranda: | ||
| Average total assets | $44,418,122,333 | 53 |
| Average earning assets | $41,355,469,000 | 51 |
| Average equity | $4,142,615,667 | 62 |
| Average total loans | $17,323,190,667 | 76 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4608% | 4,674 |
| Cost of funding earning assets | 0.0390% | 4,899 |
| Net interest margin | 2.4218% | 4,392 |
| Noninterest income to average assets | 0.8568% | 1,441 |
| Noninterest expense to average assets | 1.9336% | 3,902 |
| Loan and lease loss provision to assets | 0.0006% | 2,739 |
| Net operating income to assets | 1.0876% | 2,520 |
| Return on assets (ROA) | 1.0876% | 2,593 |
| Pretax return on assets | 1.1736% | 2,920 |
| Return on Equity (ROE) | 11.4131% | 2,221 |
| Retained earnings to average equity (ytd only) | 7.0415% | 2,566 |
| Net charge-offs to loans | 0.0434% | 1,039 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 66.1761% | 779 |
| Efficiency ratio | 62.1576% | 2,728 |
| Assets per employee ($millions) | 9.6566% | 662 |
| Cash dividends to net income (ytd only)* | 38.3033% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 1,734 |
| Loan loss allowance to noncurrent loans | 384.7065% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 3,385 |
| Noncurrent loans to loans | 0.3796% | 2,733 |
| Net loans and leases to total assets | 39.9814% | 4,344 |
| Net loans and leases to deposits | 47.1506% | 4,301 |
| Net loans and leases to core deposits | 47.7181% | 4,382 |
| Total domestic deposits to total assets | 84.7950% | 3,186 |
| Equity capital to assets | 9.2895% | 3,403 |
| Core capital (leverage) ratio | 7.4914% | 4,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2520% | 2,184 |
| Memoranda: | ||
| Average total assets | $43,260,062,000 | 55 |
| Average earning assets | $40,209,706,500 | 53 |
| Average equity | $4,122,256,500 | 64 |
| Average total loans | $17,685,588,000 | 77 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9238% | 4,691 |
| Cost of funding earning assets | 0.1064% | 4,852 |
| Net interest margin | 2.8174% | 4,238 |
| Noninterest income to average assets | 0.9280% | 1,201 |
| Noninterest expense to average assets | 2.2194% | 3,624 |
| Loan and lease loss provision to assets | 0.6223% | 309 |
| Net operating income to assets | 0.6302% | 3,652 |
| Return on assets (ROA) | 0.8963% | 2,848 |
| Pretax return on assets | 0.9632% | 3,166 |
| Return on Equity (ROE) | 8.4819% | 2,613 |
| Retained earnings to average equity (ytd only) | 1.0546% | 4,209 |
| Net charge-offs to loans | 0.6174% | 243 |
| Credit loss provision to net charge-offs | 229.1378% | 2,024 |
| Earnings coverage of net charge-offs (x) | 4.7833% | 2,938 |
| Efficiency ratio | 63.0058% | 2,975 |
| Assets per employee ($millions) | 9.0562% | 727 |
| Cash dividends to net income (ytd only)* | 87.5663% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 1,564 |
| Loan loss allowance to noncurrent loans | 347.4834% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 3,377 |
| Noncurrent loans to loans | 0.4333% | 2,675 |
| Net loans and leases to total assets | 40.5819% | 4,420 |
| Net loans and leases to deposits | 48.5854% | 4,369 |
| Net loans and leases to core deposits | 49.1787% | 4,451 |
| Total domestic deposits to total assets | 83.5270% | 3,257 |
| Equity capital to assets | 9.7779% | 3,338 |
| Core capital (leverage) ratio | 7.6315% | 4,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7593% | 2,327 |
| Memoranda: | ||
| Average total assets | $38,079,667,400 | 58 |
| Average earning assets | $35,015,137,200 | 57 |
| Average equity | $4,024,115,800 | 63 |
| Average total loans | $16,753,028,600 | 78 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0411% | 4,707 |
| Cost of funding earning assets | 0.1275% | 4,862 |
| Net interest margin | 2.9136% | 4,158 |
| Noninterest income to average assets | 0.9488% | 1,124 |
| Noninterest expense to average assets | 2.2459% | 3,559 |
| Loan and lease loss provision to assets | 0.8062% | 222 |
| Net operating income to assets | 0.5362% | 3,940 |
| Return on assets (ROA) | 0.9055% | 2,811 |
| Pretax return on assets | 0.9621% | 3,191 |
| Return on Equity (ROE) | 8.3884% | 2,652 |
| Retained earnings to average equity (ytd only) | 0.6906% | 4,341 |
| Net charge-offs to loans | 0.7231% | 193 |
| Credit loss provision to net charge-offs | 248.9629% | 1,930 |
| Earnings coverage of net charge-offs (x) | 4.2465% | 2,839 |
| Efficiency ratio | 61.9474% | 3,090 |
| Assets per employee ($millions) | 8.5064% | 841 |
| Cash dividends to net income (ytd only)* | 91.7677% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 1,553 |
| Loan loss allowance to noncurrent loans | 206.9977% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 2,872 |
| Noncurrent loans to loans | 0.6984% | 2,047 |
| Net loans and leases to total assets | 44.7063% | 4,389 |
| Net loans and leases to deposits | 53.1648% | 4,368 |
| Net loans and leases to core deposits | 53.8144% | 4,456 |
| Total domestic deposits to total assets | 84.0900% | 2,785 |
| Equity capital to assets | 10.2525% | 3,006 |
| Core capital (leverage) ratio | 7.8696% | 4,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7616% | 2,298 |
| Memoranda: | ||
| Average total assets | $36,992,556,750 | 57 |
| Average earning assets | $33,933,202,250 | 57 |
| Average equity | $3,992,998,750 | 62 |
| Average total loans | $16,570,957,500 | 77 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1790% | 4,731 |
| Cost of funding earning assets | 0.1617% | 4,852 |
| Net interest margin | 3.0172% | 4,083 |
| Noninterest income to average assets | 1.0028% | 979 |
| Noninterest expense to average assets | 2.3723% | 3,337 |
| Loan and lease loss provision to assets | 1.1138% | 169 |
| Net operating income to assets | 0.2664% | 4,472 |
| Return on assets (ROA) | 0.8549% | 2,968 |
| Pretax return on assets | 0.8819% | 3,364 |
| Return on Equity (ROE) | 7.7743% | 2,835 |
| Retained earnings to average equity (ytd only) | -0.4906% | 4,403 |
| Net charge-offs to loans | 0.9949% | 148 |
| Credit loss provision to net charge-offs | 251.1519% | 1,747 |
| Earnings coverage of net charge-offs (x) | 3.1315% | 2,706 |
| Efficiency ratio | 62.9962% | 2,955 |
| Assets per employee ($millions) | 8.3366% | 857 |
| Cash dividends to net income (ytd only)* | 106.3106% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 1,620 |
| Loan loss allowance to noncurrent loans | 248.9209% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 3,284 |
| Noncurrent loans to loans | 0.5590% | 2,489 |
| Net loans and leases to total assets | 44.9302% | 4,408 |
| Net loans and leases to deposits | 53.7985% | 4,385 |
| Net loans and leases to core deposits | 54.4419% | 4,482 |
| Total domestic deposits to total assets | 83.5157% | 2,923 |
| Equity capital to assets | 10.3238% | 2,910 |
| Core capital (leverage) ratio | 8.1118% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6316% | 2,348 |
| Memoranda: | ||
| Average total assets | $35,931,569,667 | 58 |
| Average earning assets | $32,852,067,000 | 57 |
| Average equity | $3,950,998,000 | 63 |
| Average total loans | $16,019,784,667 | 80 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4271% | 4,713 |
| Cost of funding earning assets | 0.2511% | 4,769 |
| Net interest margin | 3.1760% | 3,918 |
| Noninterest income to average assets | 1.2069% | 600 |
| Noninterest expense to average assets | 2.6263% | 2,904 |
| Loan and lease loss provision to assets | 2.0237% | 67 |
| Net operating income to assets | -0.5134% | 4,932 |
| Return on assets (ROA) | 0.6729% | 3,427 |
| Pretax return on assets | 0.7243% | 3,615 |
| Return on Equity (ROE) | 5.9107% | 3,346 |
| Retained earnings to average equity (ytd only) | -6.7383% | 4,635 |
| Net charge-offs to loans | 1.0275% | 152 |
| Credit loss provision to net charge-offs | 447.4590% | 941 |
| Earnings coverage of net charge-offs (x) | 3.2554% | 2,226 |
| Efficiency ratio | 64.0028% | 3,235 |
| Assets per employee ($millions) | 7.3056% | 965 |
| Cash dividends to net income (ytd only)* | 214.0005% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7204% | 842 |
| Loan loss allowance to noncurrent loans | 335.7307% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 3,537 |
| Noncurrent loans to loans | 0.5124% | 2,732 |
| Net loans and leases to total assets | 44.0143% | 4,503 |
| Net loans and leases to deposits | 52.7917% | 4,495 |
| Net loans and leases to core deposits | 53.5221% | 4,582 |
| Total domestic deposits to total assets | 83.3735% | 2,992 |
| Equity capital to assets | 11.3623% | 2,545 |
| Core capital (leverage) ratio | 8.9678% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1925% | 2,624 |
| Memoranda: | ||
| Average total assets | $34,177,084,000 | 60 |
| Average earning assets | $31,119,245,000 | 59 |
| Average equity | $3,890,623,500 | 63 |
| Average total loans | $15,044,292,500 | 81 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 4,553 |
| Cost of funding earning assets | 0.4099% | 4,413 |
| Net interest margin | 3.3999% | 3,744 |
| Noninterest income to average assets | 1.1035% | 784 |
| Noninterest expense to average assets | 2.5320% | 3,362 |
| Loan and lease loss provision to assets | 0.1034% | 1,994 |
| Net operating income to assets | 1.3885% | 1,378 |
| Return on assets (ROA) | 1.3893% | 1,455 |
| Pretax return on assets | 1.5756% | 1,563 |
| Return on Equity (ROE) | 12.3120% | 1,391 |
| Retained earnings to average equity (ytd only) | 5.9452% | 1,896 |
| Net charge-offs to loans | 0.2331% | 875 |
| Credit loss provision to net charge-offs | 100.1038% | 2,459 |
| Earnings coverage of net charge-offs (x) | 16.2444% | 2,185 |
| Efficiency ratio | 60.0557% | 3,681 |
| Assets per employee ($millions) | 7.3203% | 926 |
| Cash dividends to net income (ytd only)* | 51.7120% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8960% | 3,978 |
| Loan loss allowance to noncurrent loans | 120.4551% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,119 |
| Noncurrent loans to loans | 0.7439% | 2,024 |
| Net loans and leases to total assets | 42.8618% | 4,647 |
| Net loans and leases to deposits | 52.7367% | 4,579 |
| Net loans and leases to core deposits | 53.4535% | 4,664 |
| Total domestic deposits to total assets | 81.2752% | 3,708 |
| Equity capital to assets | 11.4053% | 2,618 |
| Core capital (leverage) ratio | 9.1536% | 4,399 |
| Tier 1 risk-based capital ratio | 12.8208% | 3,883 |
| Total risk-based capital ratio | 13.3958% | 4,166 |
| Memoranda: | ||
| Average total assets | $32,644,783,800 | 61 |
| Average earning assets | $29,829,772,200 | 58 |
| Average equity | $3,683,666,400 | 66 |
| Average total loans | $14,470,427,400 | 79 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8753% | 4,570 |
| Cost of funding earning assets | 0.4394% | 4,366 |
| Net interest margin | 3.4359% | 3,773 |
| Noninterest income to average assets | 1.0985% | 760 |
| Noninterest expense to average assets | 2.5102% | 3,409 |
| Loan and lease loss provision to assets | 0.1049% | 1,838 |
| Net operating income to assets | 1.4343% | 1,375 |
| Return on assets (ROA) | 1.4352% | 1,427 |
| Pretax return on assets | 1.6256% | 1,543 |
| Return on Equity (ROE) | 12.7551% | 1,369 |
| Retained earnings to average equity (ytd only) | 6.2384% | 2,257 |
| Net charge-offs to loans | 0.1942% | 892 |
| Credit loss provision to net charge-offs | 121.1041% | 1,942 |
| Earnings coverage of net charge-offs (x) | 19.9604% | 1,980 |
| Efficiency ratio | 59.1194% | 3,788 |
| Assets per employee ($millions) | 7.1629% | 963 |
| Cash dividends to net income (ytd only)* | 51.0912% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 3,912 |
| Loan loss allowance to noncurrent loans | 122.1010% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.3415% | 3,157 |
| Noncurrent loans to loans | 0.7642% | 2,063 |
| Net loans and leases to total assets | 43.7071% | 4,704 |
| Net loans and leases to deposits | 53.2199% | 4,657 |
| Net loans and leases to core deposits | 53.9379% | 4,748 |
| Total domestic deposits to total assets | 82.1256% | 3,441 |
| Equity capital to assets | 11.6930% | 2,514 |
| Core capital (leverage) ratio | 9.3007% | 4,365 |
| Tier 1 risk-based capital ratio | 12.9239% | 3,895 |
| Total risk-based capital ratio | 13.5325% | 4,147 |
| Memoranda: | ||
| Average total assets | $32,279,653,500 | 61 |
| Average earning assets | $29,510,840,000 | 58 |
| Average equity | $3,632,133,750 | 67 |
| Average total loans | $14,400,455,000 | 79 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 4,557 |
| Cost of funding earning assets | 0.4500% | 4,326 |
| Net interest margin | 3.4476% | 3,746 |
| Noninterest income to average assets | 1.1128% | 689 |
| Noninterest expense to average assets | 2.5062% | 3,458 |
| Loan and lease loss provision to assets | 0.1088% | 1,719 |
| Net operating income to assets | 1.4590% | 1,266 |
| Return on assets (ROA) | 1.4599% | 1,320 |
| Pretax return on assets | 1.6560% | 1,377 |
| Return on Equity (ROE) | 13.1531% | 1,192 |
| Retained earnings to average equity (ytd only) | 6.3911% | 2,106 |
| Net charge-offs to loans | 0.2040% | 812 |
| Credit loss provision to net charge-offs | 119.1497% | 1,746 |
| Earnings coverage of net charge-offs (x) | 19.3101% | 1,823 |
| Efficiency ratio | 58.6015% | 3,917 |
| Assets per employee ($millions) | 7.0786% | 965 |
| Cash dividends to net income (ytd only)* | 51.4099% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 3,950 |
| Loan loss allowance to noncurrent loans | 154.7919% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 3,453 |
| Noncurrent loans to loans | 0.6029% | 2,458 |
| Net loans and leases to total assets | 44.9289% | 4,686 |
| Net loans and leases to deposits | 54.9175% | 4,637 |
| Net loans and leases to core deposits | 55.6168% | 4,724 |
| Total domestic deposits to total assets | 81.8116% | 3,573 |
| Equity capital to assets | 11.7256% | 2,410 |
| Core capital (leverage) ratio | 9.2915% | 4,361 |
| Tier 1 risk-based capital ratio | 12.8122% | 3,937 |
| Total risk-based capital ratio | 13.4230% | 4,200 |
| Memoranda: | ||
| Average total assets | $31,982,334,330 | 61 |
| Average earning assets | $29,288,312,330 | 59 |
| Average equity | $3,549,927,330 | 67 |
| Average total loans | $14,322,299,330 | 79 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8350% | 4,653 |
| Cost of funding earning assets | 0.4495% | 4,288 |
| Net interest margin | 3.3855% | 3,926 |
| Noninterest income to average assets | 1.1980% | 563 |
| Noninterest expense to average assets | 2.5018% | 3,501 |
| Loan and lease loss provision to assets | 0.1374% | 1,263 |
| Net operating income to assets | 1.4792% | 1,157 |
| Return on assets (ROA) | 1.4792% | 1,181 |
| Pretax return on assets | 1.6674% | 1,290 |
| Return on Equity (ROE) | 13.7112% | 1,030 |
| Retained earnings to average equity (ytd only) | 6.6741% | 2,165 |
| Net charge-offs to loans | 0.1904% | 731 |
| Credit loss provision to net charge-offs | 162.1665% | 1,182 |
| Earnings coverage of net charge-offs (x) | 21.3013% | 1,534 |
| Efficiency ratio | 57.9984% | 4,076 |
| Assets per employee ($millions) | 7.1628% | 933 |
| Cash dividends to net income (ytd only)* | 51.3241% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 3,976 |
| Loan loss allowance to noncurrent loans | 128.6928% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 3,251 |
| Noncurrent loans to loans | 0.7354% | 2,188 |
| Net loans and leases to total assets | 45.0074% | 4,702 |
| Net loans and leases to deposits | 54.1402% | 4,673 |
| Net loans and leases to core deposits | 54.7044% | 4,757 |
| Total domestic deposits to total assets | 83.1311% | 3,339 |
| Equity capital to assets | 11.2172% | 2,632 |
| Core capital (leverage) ratio | 9.1298% | 4,541 |
| Tier 1 risk-based capital ratio | 12.7140% | 4,035 |
| Total risk-based capital ratio | 13.3388% | 4,303 |
| Memoranda: | ||
| Average total assets | $32,032,499,500 | 62 |
| Average earning assets | $29,412,306,500 | 59 |
| Average equity | $3,455,709,000 | 69 |
| Average total loans | $14,253,869,500 | 78 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6237% | 4,773 |
| Cost of funding earning assets | 0.2927% | 4,605 |
| Net interest margin | 3.3310% | 4,178 |
| Noninterest income to average assets | 1.0980% | 770 |
| Noninterest expense to average assets | 2.4384% | 3,775 |
| Loan and lease loss provision to assets | 0.0685% | 2,773 |
| Net operating income to assets | 1.4764% | 1,183 |
| Return on assets (ROA) | 1.4760% | 1,176 |
| Pretax return on assets | 1.6623% | 1,270 |
| Return on Equity (ROE) | 14.3342% | 970 |
| Retained earnings to average equity (ytd only) | 7.4602% | 1,472 |
| Net charge-offs to loans | 0.3291% | 586 |
| Credit loss provision to net charge-offs | 48.1949% | 3,215 |
| Earnings coverage of net charge-offs (x) | 12.1833% | 2,555 |
| Efficiency ratio | 58.3706% | 4,106 |
| Assets per employee ($millions) | 7.4040% | 832 |
| Cash dividends to net income (ytd only)* | 47.9550% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 4,008 |
| Loan loss allowance to noncurrent loans | 140.2571% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 3,398 |
| Noncurrent loans to loans | 0.6681% | 2,323 |
| Net loans and leases to total assets | 43.1693% | 4,839 |
| Net loans and leases to deposits | 51.2794% | 4,844 |
| Net loans and leases to core deposits | 51.7543% | 4,901 |
| Total domestic deposits to total assets | 84.1844% | 2,943 |
| Equity capital to assets | 10.3677% | 3,311 |
| Core capital (leverage) ratio | 8.9260% | 4,719 |
| Tier 1 risk-based capital ratio | 13.1705% | 3,745 |
| Total risk-based capital ratio | 13.8071% | 3,975 |
| Memoranda: | ||
| Average total assets | $31,557,643,000 | 61 |
| Average earning assets | $29,101,217,600 | 59 |
| Average equity | $3,249,531,600 | 70 |
| Average total loans | $13,626,445,400 | 81 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5587% | 4,859 |
| Cost of funding earning assets | 0.2528% | 4,772 |
| Net interest margin | 3.3059% | 4,260 |
| Noninterest income to average assets | 1.1117% | 762 |
| Noninterest expense to average assets | 2.4361% | 3,770 |
| Loan and lease loss provision to assets | 0.0759% | 2,443 |
| Net operating income to assets | 1.4639% | 1,293 |
| Return on assets (ROA) | 1.4635% | 1,297 |
| Pretax return on assets | 1.6508% | 1,417 |
| Return on Equity (ROE) | 14.2378% | 1,054 |
| Retained earnings to average equity (ytd only) | 7.4811% | 1,893 |
| Net charge-offs to loans | 0.3517% | 463 |
| Credit loss provision to net charge-offs | 50.0842% | 2,826 |
| Earnings coverage of net charge-offs (x) | 11.4005% | 2,519 |
| Efficiency ratio | 58.4025% | 4,057 |
| Assets per employee ($millions) | 7.2748% | 847 |
| Cash dividends to net income (ytd only)* | 47.4559% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 3,794 |
| Loan loss allowance to noncurrent loans | 146.0705% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 3,445 |
| Noncurrent loans to loans | 0.6818% | 2,377 |
| Net loans and leases to total assets | 43.6517% | 4,893 |
| Net loans and leases to deposits | 51.6495% | 4,895 |
| Net loans and leases to core deposits | 52.0925% | 4,972 |
| Total domestic deposits to total assets | 84.5152% | 2,787 |
| Equity capital to assets | 10.2618% | 3,390 |
| Core capital (leverage) ratio | 8.7988% | 4,885 |
| Tier 1 risk-based capital ratio | 13.0955% | 3,850 |
| Total risk-based capital ratio | 13.7694% | 4,084 |
| Memoranda: | ||
| Average total assets | $31,358,201,750 | 61 |
| Average earning assets | $28,946,681,250 | 59 |
| Average equity | $3,223,290,000 | 72 |
| Average total loans | $13,508,123,500 | 81 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4719% | 4,955 |
| Cost of funding earning assets | 0.2056% | 5,003 |
| Net interest margin | 3.2664% | 4,337 |
| Noninterest income to average assets | 1.1520% | 731 |
| Noninterest expense to average assets | 2.4660% | 3,727 |
| Loan and lease loss provision to assets | 0.0969% | 1,997 |
| Net operating income to assets | 1.4297% | 1,341 |
| Return on assets (ROA) | 1.4292% | 1,341 |
| Pretax return on assets | 1.6059% | 1,485 |
| Return on Equity (ROE) | 13.8965% | 1,103 |
| Retained earnings to average equity (ytd only) | 7.3351% | 1,908 |
| Net charge-offs to loans | 0.3034% | 526 |
| Credit loss provision to net charge-offs | 74.7320% | 2,311 |
| Earnings coverage of net charge-offs (x) | 13.1371% | 2,163 |
| Efficiency ratio | 59.0312% | 4,081 |
| Assets per employee ($millions) | 7.1739% | 865 |
| Cash dividends to net income (ytd only)* | 47.2166% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 3,291 |
| Loan loss allowance to noncurrent loans | 105.6583% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 2,857 |
| Noncurrent loans to loans | 1.0369% | 1,694 |
| Net loans and leases to total assets | 44.0988% | 4,896 |
| Net loans and leases to deposits | 51.9812% | 4,915 |
| Net loans and leases to core deposits | 52.4449% | 4,978 |
| Total domestic deposits to total assets | 84.8362% | 2,735 |
| Equity capital to assets | 10.5047% | 3,111 |
| Core capital (leverage) ratio | 8.6803% | 4,971 |
| Tier 1 risk-based capital ratio | 12.9229% | 3,937 |
| Total risk-based capital ratio | 13.6660% | 4,131 |
| Memoranda: | ||
| Average total assets | $31,366,702,670 | 60 |
| Average earning assets | $28,974,831,670 | 58 |
| Average equity | $3,225,953,670 | 71 |
| Average total loans | $13,405,885,330 | 83 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3310% | 5,096 |
| Cost of funding earning assets | 0.1558% | 5,241 |
| Net interest margin | 3.1751% | 4,542 |
| Noninterest income to average assets | 1.1422% | 712 |
| Noninterest expense to average assets | 2.4588% | 3,782 |
| Loan and lease loss provision to assets | 0.0877% | 2,045 |
| Net operating income to assets | 1.3784% | 1,399 |
| Return on assets (ROA) | 1.3782% | 1,417 |
| Pretax return on assets | 1.5337% | 1,586 |
| Return on Equity (ROE) | 13.5415% | 1,125 |
| Retained earnings to average equity (ytd only) | 7.1797% | 2,193 |
| Net charge-offs to loans | 0.3750% | 418 |
| Credit loss provision to net charge-offs | 55.8999% | 1,903 |
| Earnings coverage of net charge-offs (x) | 10.3354% | 1,904 |
| Efficiency ratio | 60.1376% | 4,046 |
| Assets per employee ($millions) | 7.3712% | 818 |
| Cash dividends to net income (ytd only)* | 46.9802% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 3,256 |
| Loan loss allowance to noncurrent loans | 105.2356% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 3,017 |
| Noncurrent loans to loans | 1.0658% | 1,717 |
| Net loans and leases to total assets | 41.8850% | 4,983 |
| Net loans and leases to deposits | 49.1516% | 5,002 |
| Net loans and leases to core deposits | 49.5876% | 5,052 |
| Total domestic deposits to total assets | 85.2160% | 2,854 |
| Equity capital to assets | 10.0803% | 3,524 |
| Core capital (leverage) ratio | 8.3446% | 5,236 |
| Tier 1 risk-based capital ratio | 13.0045% | 3,940 |
| Total risk-based capital ratio | 13.7682% | 4,131 |
| Memoranda: | ||
| Average total assets | $31,672,826,500 | 59 |
| Average earning assets | $29,309,595,000 | 57 |
| Average equity | $3,223,595,500 | 72 |
| Average total loans | $13,252,537,000 | 83 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1633% | 5,232 |
| Cost of funding earning assets | 0.0670% | 5,582 |
| Net interest margin | 3.0964% | 4,699 |
| Noninterest income to average assets | 1.0892% | 856 |
| Noninterest expense to average assets | 2.4471% | 3,946 |
| Loan and lease loss provision to assets | 0.1153% | 1,969 |
| Net operating income to assets | 1.2204% | 1,450 |
| Return on assets (ROA) | 1.2062% | 1,532 |
| Pretax return on assets | 1.3719% | 2,084 |
| Return on Equity (ROE) | 11.9652% | 1,222 |
| Retained earnings to average equity (ytd only) | 7.1395% | 1,028 |
| Net charge-offs to loans | 0.2651% | 981 |
| Credit loss provision to net charge-offs | 106.9974% | 2,423 |
| Earnings coverage of net charge-offs (x) | 13.9550% | 2,361 |
| Efficiency ratio | 61.8061% | 3,969 |
| Assets per employee ($millions) | 7.4466% | 788 |
| Cash dividends to net income (ytd only)* | 40.3312% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,882 |
| Loan loss allowance to noncurrent loans | 94.3057% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 2,808 |
| Noncurrent loans to loans | 1.2537% | 1,403 |
| Net loans and leases to total assets | 40.8393% | 5,099 |
| Net loans and leases to deposits | 48.1921% | 5,120 |
| Net loans and leases to core deposits | 48.6137% | 5,176 |
| Total domestic deposits to total assets | 84.7427% | 2,931 |
| Equity capital to assets | 10.2746% | 3,409 |
| Core capital (leverage) ratio | 8.2978% | 5,286 |
| Tier 1 risk-based capital ratio | 12.9247% | 3,950 |
| Total risk-based capital ratio | 13.7241% | 4,124 |
| Memoranda: | ||
| Average total assets | $30,765,815,800 | 59 |
| Average earning assets | $28,427,833,000 | 59 |
| Average equity | $3,101,523,800 | 66 |
| Average total loans | $12,503,548,200 | 82 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1384% | 5,299 |
| Cost of funding earning assets | 0.0508% | 5,678 |
| Net interest margin | 3.0875% | 4,743 |
| Noninterest income to average assets | 1.0772% | 878 |
| Noninterest expense to average assets | 2.4377% | 3,924 |
| Loan and lease loss provision to assets | 0.1196% | 1,815 |
| Net operating income to assets | 1.1924% | 1,728 |
| Return on assets (ROA) | 1.1737% | 1,835 |
| Pretax return on assets | 1.3510% | 2,279 |
| Return on Equity (ROE) | 11.7013% | 1,422 |
| Retained earnings to average equity (ytd only) | 6.8300% | 1,782 |
| Net charge-offs to loans | 0.2819% | 767 |
| Credit loss provision to net charge-offs | 104.8199% | 2,207 |
| Earnings coverage of net charge-offs (x) | 13.0806% | 2,378 |
| Efficiency ratio | 61.8868% | 3,901 |
| Assets per employee ($millions) | 7.2565% | 845 |
| Cash dividends to net income (ytd only)* | 41.6305% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2145% | 2,840 |
| Loan loss allowance to noncurrent loans | 90.6465% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 2,861 |
| Noncurrent loans to loans | 1.3398% | 1,417 |
| Net loans and leases to total assets | 40.4479% | 5,177 |
| Net loans and leases to deposits | 47.4337% | 5,211 |
| Net loans and leases to core deposits | 47.8742% | 5,261 |
| Total domestic deposits to total assets | 85.2726% | 2,609 |
| Equity capital to assets | 10.2501% | 3,638 |
| Core capital (leverage) ratio | 8.2948% | 5,373 |
| Tier 1 risk-based capital ratio | 13.0239% | 3,991 |
| Total risk-based capital ratio | 13.8404% | 4,170 |
| Memoranda: | ||
| Average total assets | $30,508,010,250 | 58 |
| Average earning assets | $28,185,664,750 | 58 |
| Average equity | $3,060,152,750 | 66 |
| Average total loans | $12,344,174,250 | 81 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0996% | 5,345 |
| Cost of funding earning assets | 0.0317% | 5,742 |
| Net interest margin | 3.0679% | 4,750 |
| Noninterest income to average assets | 1.0669% | 883 |
| Noninterest expense to average assets | 2.4539% | 3,909 |
| Loan and lease loss provision to assets | 0.1080% | 1,888 |
| Net operating income to assets | 1.1468% | 1,794 |
| Return on assets (ROA) | 1.1466% | 1,845 |
| Pretax return on assets | 1.3365% | 2,250 |
| Return on Equity (ROE) | 11.5165% | 1,462 |
| Retained earnings to average equity (ytd only) | 6.4372% | 1,882 |
| Net charge-offs to loans | 0.3250% | 621 |
| Credit loss provision to net charge-offs | 82.4465% | 2,233 |
| Earnings coverage of net charge-offs (x) | 11.0314% | 2,302 |
| Efficiency ratio | 62.7897% | 3,850 |
| Assets per employee ($millions) | 7.1073% | 886 |
| Cash dividends to net income (ytd only)* | 44.1044% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 3,045 |
| Loan loss allowance to noncurrent loans | 146.0299% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 3,738 |
| Noncurrent loans to loans | 0.8185% | 2,355 |
| Net loans and leases to total assets | 40.8996% | 5,195 |
| Net loans and leases to deposits | 48.1684% | 5,210 |
| Net loans and leases to core deposits | 48.6081% | 5,263 |
| Total domestic deposits to total assets | 84.9096% | 2,847 |
| Equity capital to assets | 10.3039% | 3,567 |
| Core capital (leverage) ratio | 8.1844% | 5,439 |
| Tier 1 risk-based capital ratio | 12.9366% | 4,041 |
| Total risk-based capital ratio | 13.7422% | 4,205 |
| Memoranda: | ||
| Average total assets | $30,334,416,670 | 57 |
| Average earning assets | $27,999,901,330 | 56 |
| Average equity | $3,020,038,000 | 65 |
| Average total loans | $12,223,962,000 | 81 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0391% | 5,424 |
| Cost of funding earning assets | 0.0290% | 5,810 |
| Net interest margin | 3.0101% | 4,874 |
| Noninterest income to average assets | 1.0809% | 855 |
| Noninterest expense to average assets | 2.4503% | 3,964 |
| Loan and lease loss provision to assets | 0.1047% | 1,827 |
| Net operating income to assets | 1.1338% | 1,733 |
| Return on assets (ROA) | 1.1338% | 1,768 |
| Pretax return on assets | 1.3048% | 2,218 |
| Return on Equity (ROE) | 11.5899% | 1,375 |
| Retained earnings to average equity (ytd only) | 5.9057% | 2,390 |
| Net charge-offs to loans | 0.2630% | 692 |
| Credit loss provision to net charge-offs | 100.1385% | 1,559 |
| Earnings coverage of net charge-offs (x) | 13.4839% | 1,780 |
| Efficiency ratio | 63.3271% | 3,938 |
| Assets per employee ($millions) | 7.1990% | 860 |
| Cash dividends to net income (ytd only)* | 49.0439% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,780 |
| Loan loss allowance to noncurrent loans | 124.4459% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 3,549 |
| Noncurrent loans to loans | 1.0093% | 2,034 |
| Net loans and leases to total assets | 39.3814% | 5,271 |
| Net loans and leases to deposits | 45.9211% | 5,305 |
| Net loans and leases to core deposits | 46.3504% | 5,359 |
| Total domestic deposits to total assets | 85.7589% | 2,770 |
| Equity capital to assets | 9.8325% | 3,944 |
| Core capital (leverage) ratio | 7.9683% | 5,570 |
| Tier 1 risk-based capital ratio | 12.9231% | 4,130 |
| Total risk-based capital ratio | 13.7657% | 4,286 |
| Memoranda: | ||
| Average total assets | $30,387,986,000 | 57 |
| Average earning assets | $28,053,975,000 | 56 |
| Average equity | $2,972,770,000 | 65 |
| Average total loans | $12,079,746,500 | 82 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9648% | 5,525 |
| Cost of funding earning assets | 0.0279% | 5,863 |
| Net interest margin | 2.9369% | 5,068 |
| Noninterest income to average assets | 1.1231% | 912 |
| Noninterest expense to average assets | 2.4867% | 4,060 |
| Loan and lease loss provision to assets | 0.1771% | 1,365 |
| Net operating income to assets | 1.0130% | 2,295 |
| Return on assets (ROA) | 1.0581% | 2,206 |
| Pretax return on assets | 1.2085% | 2,626 |
| Return on Equity (ROE) | 10.1787% | 1,888 |
| Retained earnings to average equity (ytd only) | 5.5188% | 2,003 |
| Net charge-offs to loans | 0.2964% | 934 |
| Credit loss provision to net charge-offs | 149.8333% | 1,830 |
| Earnings coverage of net charge-offs (x) | 11.2908% | 2,553 |
| Efficiency ratio | 64.8639% | 3,786 |
| Assets per employee ($millions) | 7.1670% | 849 |
| Cash dividends to net income (ytd only)* | 45.7815% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 2,664 |
| Loan loss allowance to noncurrent loans | 122.4213% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 3,584 |
| Noncurrent loans to loans | 1.0440% | 1,989 |
| Net loans and leases to total assets | 39.1132% | 5,355 |
| Net loans and leases to deposits | 45.6742% | 5,377 |
| Net loans and leases to core deposits | 46.1183% | 5,427 |
| Total domestic deposits to total assets | 85.6354% | 2,763 |
| Equity capital to assets | 9.7323% | 4,021 |
| Core capital (leverage) ratio | 7.8495% | 5,669 |
| Tier 1 risk-based capital ratio | 12.8845% | 4,143 |
| Total risk-based capital ratio | 13.7431% | 4,269 |
| Memoranda: | ||
| Average total assets | $29,184,791,600 | 57 |
| Average earning assets | $26,809,177,400 | 56 |
| Average equity | $3,033,850,000 | 61 |
| Average total loans | $11,633,705,600 | 81 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9536% | 5,604 |
| Cost of funding earning assets | 0.0276% | 5,930 |
| Net interest margin | 2.9261% | 5,140 |
| Noninterest income to average assets | 1.0907% | 951 |
| Noninterest expense to average assets | 2.4590% | 4,114 |
| Loan and lease loss provision to assets | 0.1970% | 1,081 |
| Net operating income to assets | 0.9744% | 2,548 |
| Return on assets (ROA) | 1.0340% | 2,398 |
| Pretax return on assets | 1.1895% | 2,874 |
| Return on Equity (ROE) | 9.7837% | 2,155 |
| Retained earnings to average equity (ytd only) | 5.3884% | 2,556 |
| Net charge-offs to loans | 0.3327% | 693 |
| Credit loss provision to net charge-offs | 148.2790% | 1,787 |
| Earnings coverage of net charge-offs (x) | 9.9207% | 2,634 |
| Efficiency ratio | 64.8779% | 3,781 |
| Assets per employee ($millions) | 7.1251% | 844 |
| Cash dividends to net income (ytd only)* | 44.9253% | 2,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,724 |
| Loan loss allowance to noncurrent loans | 127.2552% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 3,807 |
| Noncurrent loans to loans | 1.0162% | 2,211 |
| Net loans and leases to total assets | 38.5783% | 5,445 |
| Net loans and leases to deposits | 45.4421% | 5,472 |
| Net loans and leases to core deposits | 45.8856% | 5,515 |
| Total domestic deposits to total assets | 84.8955% | 2,854 |
| Equity capital to assets | 10.5883% | 3,468 |
| Core capital (leverage) ratio | 8.0078% | 5,686 |
| Tier 1 risk-based capital ratio | 12.9898% | 4,171 |
| Total risk-based capital ratio | 13.8534% | 4,312 |
| Memoranda: | ||
| Average total assets | $28,925,161,750 | 58 |
| Average earning assets | $26,554,254,250 | 57 |
| Average equity | $3,056,953,000 | 62 |
| Average total loans | $11,548,541,750 | 80 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9550% | 5,684 |
| Cost of funding earning assets | 0.0280% | 6,008 |
| Net interest margin | 2.9269% | 5,215 |
| Noninterest income to average assets | 1.0915% | 942 |
| Noninterest expense to average assets | 2.4727% | 4,108 |
| Loan and lease loss provision to assets | 0.2627% | 712 |
| Net operating income to assets | 0.9073% | 2,826 |
| Return on assets (ROA) | 0.9977% | 2,542 |
| Pretax return on assets | 1.1446% | 3,012 |
| Return on Equity (ROE) | 9.4465% | 2,297 |
| Retained earnings to average equity (ytd only) | 5.2055% | 2,598 |
| Net charge-offs to loans | 0.4132% | 552 |
| Credit loss provision to net charge-offs | 158.1312% | 1,534 |
| Earnings coverage of net charge-offs (x) | 7.8446% | 2,585 |
| Efficiency ratio | 65.2462% | 3,799 |
| Assets per employee ($millions) | 6.9939% | 875 |
| Cash dividends to net income (ytd only)* | 44.8954% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,831 |
| Loan loss allowance to noncurrent loans | 129.6416% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 3,867 |
| Noncurrent loans to loans | 0.9969% | 2,292 |
| Net loans and leases to total assets | 39.4226% | 5,449 |
| Net loans and leases to deposits | 46.9808% | 5,462 |
| Net loans and leases to core deposits | 47.4518% | 5,517 |
| Total domestic deposits to total assets | 83.9122% | 3,301 |
| Equity capital to assets | 10.8911% | 3,175 |
| Core capital (leverage) ratio | 8.1340% | 5,645 |
| Tier 1 risk-based capital ratio | 12.7578% | 4,342 |
| Total risk-based capital ratio | 13.6229% | 4,526 |
| Memoranda: | ||
| Average total assets | $28,689,068,670 | 58 |
| Average earning assets | $26,314,296,670 | 57 |
| Average equity | $3,030,041,670 | 63 |
| Average total loans | $11,537,440,670 | 81 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9581% | 5,728 |
| Cost of funding earning assets | 0.0283% | 6,071 |
| Net interest margin | 2.9298% | 5,264 |
| Noninterest income to average assets | 1.1263% | 861 |
| Noninterest expense to average assets | 2.4872% | 4,110 |
| Loan and lease loss provision to assets | 0.3996% | 343 |
| Net operating income to assets | 0.8027% | 3,235 |
| Return on assets (ROA) | 0.9824% | 2,476 |
| Pretax return on assets | 1.1361% | 2,954 |
| Return on Equity (ROE) | 9.4510% | 2,215 |
| Retained earnings to average equity (ytd only) | 5.5103% | 2,639 |
| Net charge-offs to loans | 0.0861% | 1,635 |
| Credit loss provision to net charge-offs | 1,149.6571% | 342 |
| Earnings coverage of net charge-offs (x) | 38.1731% | 1,037 |
| Efficiency ratio | 64.9707% | 3,983 |
| Assets per employee ($millions) | 6.6968% | 1,010 |
| Cash dividends to net income (ytd only)* | 41.6963% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 2,409 |
| Loan loss allowance to noncurrent loans | 86.7022% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6649% | 3,066 |
| Noncurrent loans to loans | 1.6176% | 1,423 |
| Net loans and leases to total assets | 39.9753% | 5,452 |
| Net loans and leases to deposits | 46.9226% | 5,467 |
| Net loans and leases to core deposits | 47.4036% | 5,534 |
| Total domestic deposits to total assets | 85.1942% | 3,041 |
| Equity capital to assets | 10.6042% | 3,365 |
| Core capital (leverage) ratio | 7.9802% | 5,780 |
| Tier 1 risk-based capital ratio | 12.7202% | 4,448 |
| Total risk-based capital ratio | 13.6697% | 4,537 |
| Memoranda: | ||
| Average total assets | $28,531,759,000 | 58 |
| Average earning assets | $26,173,423,000 | 57 |
| Average equity | $2,965,646,500 | 64 |
| Average total loans | $11,514,296,000 | 80 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9153% | 5,797 |
| Cost of funding earning assets | 0.0357% | 6,123 |
| Net interest margin | 2.8796% | 5,372 |
| Noninterest income to average assets | 1.1367% | 916 |
| Noninterest expense to average assets | 2.4293% | 4,439 |
| Loan and lease loss provision to assets | 0.1835% | 1,227 |
| Net operating income to assets | 0.9989% | 2,367 |
| Return on assets (ROA) | 0.9991% | 2,465 |
| Pretax return on assets | 1.1617% | 2,806 |
| Return on Equity (ROE) | 9.8954% | 2,046 |
| Retained earnings to average equity (ytd only) | 5.4663% | 2,096 |
| Net charge-offs to loans | 0.1376% | 1,975 |
| Credit loss provision to net charge-offs | 333.8807% | 896 |
| Earnings coverage of net charge-offs (x) | 24.4762% | 1,673 |
| Efficiency ratio | 64.0548% | 4,250 |
| Assets per employee ($millions) | 6.7907% | 967 |
| Cash dividends to net income (ytd only)* | 44.7589% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 3,575 |
| Loan loss allowance to noncurrent loans | 148.3582% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 4,271 |
| Noncurrent loans to loans | 0.7972% | 2,800 |
| Net loans and leases to total assets | 39.6939% | 5,532 |
| Net loans and leases to deposits | 46.5269% | 5,539 |
| Net loans and leases to core deposits | 47.0515% | 5,604 |
| Total domestic deposits to total assets | 85.3140% | 2,944 |
| Equity capital to assets | 10.1851% | 3,764 |
| Core capital (leverage) ratio | 7.6796% | 5,942 |
| Tier 1 risk-based capital ratio | 12.2378% | 4,803 |
| Total risk-based capital ratio | 13.0179% | 5,010 |
| Memoranda: | ||
| Average total assets | $28,260,534,800 | 56 |
| Average earning assets | $25,884,970,800 | 55 |
| Average equity | $2,853,297,200 | 63 |
| Average total loans | $11,288,701,800 | 80 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9158% | 5,877 |
| Cost of funding earning assets | 0.0374% | 6,207 |
| Net interest margin | 2.8785% | 5,451 |
| Noninterest income to average assets | 1.1374% | 929 |
| Noninterest expense to average assets | 2.4351% | 4,403 |
| Loan and lease loss provision to assets | 0.0844% | 2,479 |
| Net operating income to assets | 1.0588% | 2,179 |
| Return on assets (ROA) | 1.0595% | 2,266 |
| Pretax return on assets | 1.2536% | 2,585 |
| Return on Equity (ROE) | 10.5176% | 1,894 |
| Retained earnings to average equity (ytd only) | 6.3710% | 2,033 |
| Net charge-offs to loans | 0.0832% | 2,354 |
| Credit loss provision to net charge-offs | 254.4197% | 1,123 |
| Earnings coverage of net charge-offs (x) | 40.2910% | 1,239 |
| Efficiency ratio | 64.2300% | 4,205 |
| Assets per employee ($millions) | 6.7652% | 957 |
| Cash dividends to net income (ytd only)* | 39.4258% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 4,883 |
| Loan loss allowance to noncurrent loans | 174.7376% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 4,834 |
| Noncurrent loans to loans | 0.5561% | 3,663 |
| Net loans and leases to total assets | 39.6163% | 5,613 |
| Net loans and leases to deposits | 46.0431% | 5,646 |
| Net loans and leases to core deposits | 46.5973% | 5,712 |
| Total domestic deposits to total assets | 86.0419% | 2,502 |
| Equity capital to assets | 10.2548% | 3,873 |
| Core capital (leverage) ratio | 7.7454% | 6,000 |
| Tier 1 risk-based capital ratio | 12.3837% | 4,834 |
| Total risk-based capital ratio | 13.0312% | 5,135 |
| Memoranda: | ||
| Average total assets | $28,176,777,500 | 55 |
| Average earning assets | $25,792,990,750 | 54 |
| Average equity | $2,838,498,250 | 62 |
| Average total loans | $11,239,239,000 | 82 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8995% | 5,943 |
| Cost of funding earning assets | 0.0392% | 6,285 |
| Net interest margin | 2.8603% | 5,517 |
| Noninterest income to average assets | 1.1300% | 946 |
| Noninterest expense to average assets | 2.4216% | 4,483 |
| Loan and lease loss provision to assets | 0.0785% | 2,547 |
| Net operating income to assets | 1.0499% | 2,142 |
| Return on assets (ROA) | 1.0512% | 2,246 |
| Pretax return on assets | 1.2471% | 2,561 |
| Return on Equity (ROE) | 10.4986% | 1,851 |
| Retained earnings to average equity (ytd only) | 6.3455% | 2,034 |
| Net charge-offs to loans | 0.0709% | 2,376 |
| Credit loss provision to net charge-offs | 277.9597% | 975 |
| Earnings coverage of net charge-offs (x) | 46.8645% | 1,004 |
| Efficiency ratio | 64.3203% | 4,305 |
| Assets per employee ($millions) | 6.6190% | 999 |
| Cash dividends to net income (ytd only)* | 39.5579% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 5,163 |
| Loan loss allowance to noncurrent loans | 152.6883% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 4,826 |
| Noncurrent loans to loans | 0.6125% | 3,634 |
| Net loans and leases to total assets | 40.6186% | 5,595 |
| Net loans and leases to deposits | 47.2587% | 5,620 |
| Net loans and leases to core deposits | 47.8810% | 5,694 |
| Total domestic deposits to total assets | 85.9496% | 2,711 |
| Equity capital to assets | 10.1210% | 3,906 |
| Core capital (leverage) ratio | 7.6696% | 6,047 |
| Tier 1 risk-based capital ratio | 12.1307% | 5,056 |
| Total risk-based capital ratio | 12.7570% | 5,382 |
| Memoranda: | ||
| Average total assets | $28,104,532,330 | 56 |
| Average earning assets | $25,700,163,330 | 54 |
| Average equity | $2,814,099,330 | 61 |
| Average total loans | $11,199,371,000 | 84 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8673% | 6,016 |
| Cost of funding earning assets | 0.0434% | 6,355 |
| Net interest margin | 2.8239% | 5,596 |
| Noninterest income to average assets | 1.1531% | 859 |
| Noninterest expense to average assets | 2.3994% | 4,593 |
| Loan and lease loss provision to assets | 0.1155% | 1,788 |
| Net operating income to assets | 1.0322% | 2,114 |
| Return on assets (ROA) | 1.0349% | 2,249 |
| Pretax return on assets | 1.2240% | 2,572 |
| Return on Equity (ROE) | 10.3911% | 1,835 |
| Retained earnings to average equity (ytd only) | 6.2422% | 2,358 |
| Net charge-offs to loans | 0.0719% | 2,000 |
| Credit loss provision to net charge-offs | 408.9178% | 650 |
| Earnings coverage of net charge-offs (x) | 47.2956% | 872 |
| Efficiency ratio | 63.8898% | 4,502 |
| Assets per employee ($millions) | 6.5702% | 1,036 |
| Cash dividends to net income (ytd only)* | 39.9275% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9428% | 5,277 |
| Loan loss allowance to noncurrent loans | 151.1129% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 4,904 |
| Noncurrent loans to loans | 0.6239% | 3,709 |
| Net loans and leases to total assets | 39.4052% | 5,632 |
| Net loans and leases to deposits | 45.8827% | 5,662 |
| Net loans and leases to core deposits | 46.6878% | 5,720 |
| Total domestic deposits to total assets | 85.8825% | 3,004 |
| Equity capital to assets | 10.0952% | 4,026 |
| Core capital (leverage) ratio | 7.4619% | 6,154 |
| Tier 1 risk-based capital ratio | 11.9450% | 5,275 |
| Total risk-based capital ratio | 12.5707% | 5,561 |
| Memoranda: | ||
| Average total assets | $28,256,827,000 | 53 |
| Average earning assets | $25,843,162,500 | 54 |
| Average equity | $2,814,329,500 | 59 |
| Average total loans | $11,099,774,000 | 84 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8714% | 6,155 |
| Cost of funding earning assets | 0.0453% | 6,442 |
| Net interest margin | 2.8262% | 5,769 |
| Noninterest income to average assets | 1.1475% | 919 |
| Noninterest expense to average assets | 2.3916% | 4,865 |
| Loan and lease loss provision to assets | 0.0607% | 3,310 |
| Net operating income to assets | 1.0424% | 2,202 |
| Return on assets (ROA) | 1.0425% | 2,274 |
| Pretax return on assets | 1.2769% | 2,319 |
| Return on Equity (ROE) | 10.5431% | 1,882 |
| Retained earnings to average equity (ytd only) | 6.2354% | 1,788 |
| Net charge-offs to loans | 0.0868% | 3,250 |
| Credit loss provision to net charge-offs | 177.1336% | 1,370 |
| Earnings coverage of net charge-offs (x) | 39.0145% | 1,107 |
| Efficiency ratio | 63.7827% | 4,620 |
| Assets per employee ($millions) | 6.7031% | 951 |
| Cash dividends to net income (ytd only)* | 40.8584% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9060% | 5,460 |
| Loan loss allowance to noncurrent loans | 123.0920% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 4,820 |
| Noncurrent loans to loans | 0.7360% | 3,481 |
| Net loans and leases to total assets | 38.4343% | 5,826 |
| Net loans and leases to deposits | 44.9541% | 5,846 |
| Net loans and leases to core deposits | 45.8846% | 5,897 |
| Total domestic deposits to total assets | 85.4967% | 3,083 |
| Equity capital to assets | 9.8251% | 4,314 |
| Core capital (leverage) ratio | 7.3989% | 6,236 |
| Tier 1 risk-based capital ratio | 12.4115% | 5,082 |
| Total risk-based capital ratio | 12.9858% | 5,432 |
| Memoranda: | ||
| Average total assets | $26,866,568,800 | 54 |
| Average earning assets | $24,540,907,600 | 52 |
| Average equity | $2,656,580,200 | 61 |
| Average total loans | $10,612,964,000 | 84 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8662% | 6,233 |
| Cost of funding earning assets | 0.0449% | 6,525 |
| Net interest margin | 2.8213% | 5,840 |
| Noninterest income to average assets | 1.1482% | 906 |
| Noninterest expense to average assets | 2.3903% | 4,862 |
| Loan and lease loss provision to assets | 0.0599% | 3,162 |
| Net operating income to assets | 1.0418% | 2,271 |
| Return on assets (ROA) | 1.0420% | 2,330 |
| Pretax return on assets | 1.2744% | 2,482 |
| Return on Equity (ROE) | 10.5199% | 1,986 |
| Retained earnings to average equity (ytd only) | 6.2754% | 2,236 |
| Net charge-offs to loans | 0.0766% | 3,105 |
| Credit loss provision to net charge-offs | 197.2517% | 1,284 |
| Earnings coverage of net charge-offs (x) | 43.9037% | 1,065 |
| Efficiency ratio | 63.8377% | 4,577 |
| Assets per employee ($millions) | 6.5356% | 1,009 |
| Cash dividends to net income (ytd only)* | 40.3469% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 5,559 |
| Loan loss allowance to noncurrent loans | 127.0378% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3039% | 5,049 |
| Noncurrent loans to loans | 0.7201% | 3,808 |
| Net loans and leases to total assets | 38.8669% | 5,895 |
| Net loans and leases to deposits | 45.2284% | 5,921 |
| Net loans and leases to core deposits | 46.2170% | 5,949 |
| Total domestic deposits to total assets | 85.9348% | 2,875 |
| Equity capital to assets | 10.0509% | 4,103 |
| Core capital (leverage) ratio | 7.5023% | 6,283 |
| Tier 1 risk-based capital ratio | 12.6133% | 5,099 |
| Total risk-based capital ratio | 13.2077% | 5,429 |
| Memoranda: | ||
| Average total assets | $26,501,347,000 | 55 |
| Average earning assets | $24,198,787,500 | 53 |
| Average equity | $2,624,925,250 | 64 |
| Average total loans | $10,519,453,500 | 82 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8189% | 6,329 |
| Cost of funding earning assets | 0.0427% | 6,591 |
| Net interest margin | 2.7761% | 5,954 |
| Noninterest income to average assets | 1.1498% | 890 |
| Noninterest expense to average assets | 2.3894% | 4,908 |
| Loan and lease loss provision to assets | 0.0880% | 2,562 |
| Net operating income to assets | 0.9916% | 2,353 |
| Return on assets (ROA) | 0.9916% | 2,432 |
| Pretax return on assets | 1.2058% | 2,645 |
| Return on Equity (ROE) | 10.0633% | 2,121 |
| Retained earnings to average equity (ytd only) | 5.7183% | 2,501 |
| Net charge-offs to loans | 0.1087% | 2,585 |
| Credit loss provision to net charge-offs | 203.0303% | 1,152 |
| Earnings coverage of net charge-offs (x) | 29.8621% | 1,259 |
| Efficiency ratio | 64.5644% | 4,602 |
| Assets per employee ($millions) | 6.4302% | 1,046 |
| Cash dividends to net income (ytd only)* | 43.1768% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 5,666 |
| Loan loss allowance to noncurrent loans | 145.5938% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2877% | 5,216 |
| Noncurrent loans to loans | 0.6320% | 4,131 |
| Net loans and leases to total assets | 39.8306% | 5,833 |
| Net loans and leases to deposits | 46.8390% | 5,834 |
| Net loans and leases to core deposits | 48.0577% | 5,903 |
| Total domestic deposits to total assets | 85.0371% | 3,486 |
| Equity capital to assets | 10.1878% | 3,850 |
| Core capital (leverage) ratio | 7.9735% | 6,116 |
| Tier 1 risk-based capital ratio | 12.5279% | 5,212 |
| Total risk-based capital ratio | 13.1378% | 5,525 |
| Memoranda: | ||
| Average total assets | $26,202,655,000 | 56 |
| Average earning assets | $23,911,494,000 | 54 |
| Average equity | $2,582,006,000 | 63 |
| Average total loans | $10,443,657,000 | 81 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9405% | 6,296 |
| Cost of funding earning assets | 0.0465% | 6,666 |
| Net interest margin | 2.8940% | 5,768 |
| Noninterest income to average assets | 1.2211% | 741 |
| Noninterest expense to average assets | 2.5437% | 4,468 |
| Loan and lease loss provision to assets | 0.1076% | 2,137 |
| Net operating income to assets | 0.9984% | 2,218 |
| Return on assets (ROA) | 0.9984% | 2,273 |
| Pretax return on assets | 1.2114% | 2,440 |
| Return on Equity (ROE) | 10.1357% | 1,984 |
| Retained earnings to average equity (ytd only) | 4.9071% | 3,166 |
| Net charge-offs to loans | 0.1612% | 1,755 |
| Credit loss provision to net charge-offs | 170.0155% | 1,162 |
| Earnings coverage of net charge-offs (x) | 20.8431% | 1,318 |
| Efficiency ratio | 65.5625% | 4,600 |
| Assets per employee ($millions) | 6.0625% | 1,263 |
| Cash dividends to net income (ytd only)* | 51.5862% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 5,615 |
| Loan loss allowance to noncurrent loans | 162.5404% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 5,307 |
| Noncurrent loans to loans | 0.6004% | 4,357 |
| Net loans and leases to total assets | 39.0835% | 5,873 |
| Net loans and leases to deposits | 45.7128% | 5,869 |
| Net loans and leases to core deposits | 46.6328% | 5,955 |
| Total domestic deposits to total assets | 85.4980% | 3,612 |
| Equity capital to assets | 9.8519% | 4,028 |
| Core capital (leverage) ratio | 7.4510% | 6,353 |
| Tier 1 risk-based capital ratio | 12.5016% | 5,313 |
| Total risk-based capital ratio | 13.0380% | 5,702 |
| Memoranda: | ||
| Average total assets | $24,538,572,000 | 57 |
| Average earning assets | $22,397,757,000 | 56 |
| Average equity | $2,417,084,500 | 65 |
| Average total loans | $9,633,645,000 | 85 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0545% | 6,283 |
| Cost of funding earning assets | 0.0691% | 6,730 |
| Net interest margin | 2.9855% | 5,610 |
| Noninterest income to average assets | 1.2507% | 890 |
| Noninterest expense to average assets | 2.5882% | 4,504 |
| Loan and lease loss provision to assets | 0.0885% | 3,339 |
| Net operating income to assets | 1.0403% | 2,154 |
| Return on assets (ROA) | 1.0443% | 2,210 |
| Pretax return on assets | 1.3004% | 2,151 |
| Return on Equity (ROE) | 10.1666% | 2,046 |
| Retained earnings to average equity (ytd only) | 4.1088% | 3,253 |
| Net charge-offs to loans | 0.3510% | 1,924 |
| Credit loss provision to net charge-offs | 63.1408% | 3,470 |
| Earnings coverage of net charge-offs (x) | 9.8683% | 2,455 |
| Efficiency ratio | 64.8199% | 4,764 |
| Assets per employee ($millions) | 6.0283% | 1,255 |
| Cash dividends to net income (ytd only)* | 59.5848% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 5,697 |
| Loan loss allowance to noncurrent loans | 143.6354% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3129% | 5,322 |
| Noncurrent loans to loans | 0.6762% | 4,283 |
| Net loans and leases to total assets | 38.6676% | 6,046 |
| Net loans and leases to deposits | 45.3505% | 6,054 |
| Net loans and leases to core deposits | 46.3287% | 6,122 |
| Total domestic deposits to total assets | 85.2639% | 3,615 |
| Equity capital to assets | 9.8484% | 3,962 |
| Core capital (leverage) ratio | 7.4222% | 6,401 |
| Tier 1 risk-based capital ratio | 12.5833% | 5,238 |
| Total risk-based capital ratio | 13.1213% | 5,633 |
| Memoranda: | ||
| Average total assets | $23,245,138,400 | 58 |
| Average earning assets | $21,188,378,600 | 57 |
| Average equity | $2,387,729,200 | 63 |
| Average total loans | $9,286,781,000 | 83 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0676% | 6,351 |
| Cost of funding earning assets | 0.0734% | 6,809 |
| Net interest margin | 2.9941% | 5,609 |
| Noninterest income to average assets | 1.2544% | 932 |
| Noninterest expense to average assets | 2.6080% | 4,365 |
| Loan and lease loss provision to assets | 0.0853% | 3,354 |
| Net operating income to assets | 1.0426% | 2,215 |
| Return on assets (ROA) | 1.0426% | 2,295 |
| Pretax return on assets | 1.2938% | 2,355 |
| Return on Equity (ROE) | 10.0397% | 2,160 |
| Retained earnings to average equity (ytd only) | 4.0252% | 3,827 |
| Net charge-offs to loans | 0.3754% | 1,699 |
| Credit loss provision to net charge-offs | 56.4970% | 3,366 |
| Earnings coverage of net charge-offs (x) | 9.1391% | 2,517 |
| Efficiency ratio | 65.0636% | 4,637 |
| Assets per employee ($millions) | 5.8659% | 1,334 |
| Cash dividends to net income (ytd only)* | 59.9068% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 5,709 |
| Loan loss allowance to noncurrent loans | 103.1517% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 5,139 |
| Noncurrent loans to loans | 0.9704% | 3,871 |
| Net loans and leases to total assets | 39.1243% | 6,097 |
| Net loans and leases to deposits | 45.9961% | 6,098 |
| Net loans and leases to core deposits | 46.9921% | 6,170 |
| Total domestic deposits to total assets | 85.0602% | 3,724 |
| Equity capital to assets | 10.1061% | 3,763 |
| Core capital (leverage) ratio | 7.5631% | 6,426 |
| Tier 1 risk-based capital ratio | 12.7501% | 5,298 |
| Total risk-based capital ratio | 13.3033% | 5,689 |
| Memoranda: | ||
| Average total assets | $22,963,329,000 | 58 |
| Average earning assets | $20,957,878,000 | 55 |
| Average equity | $2,384,591,750 | 63 |
| Average total loans | $9,229,314,750 | 82 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0839% | 6,360 |
| Cost of funding earning assets | 0.0768% | 6,856 |
| Net interest margin | 3.0071% | 5,560 |
| Noninterest income to average assets | 1.2706% | 960 |
| Noninterest expense to average assets | 2.6352% | 4,266 |
| Loan and lease loss provision to assets | 0.0841% | 3,393 |
| Net operating income to assets | 1.0344% | 2,186 |
| Return on assets (ROA) | 1.0345% | 2,301 |
| Pretax return on assets | 1.2928% | 2,326 |
| Return on Equity (ROE) | 9.8706% | 2,250 |
| Retained earnings to average equity (ytd only) | 3.9189% | 3,798 |
| Net charge-offs to loans | 0.4482% | 1,459 |
| Credit loss provision to net charge-offs | 46.4175% | 3,284 |
| Earnings coverage of net charge-offs (x) | 7.5987% | 2,526 |
| Efficiency ratio | 65.3307% | 4,664 |
| Assets per employee ($millions) | 5.6299% | 1,477 |
| Cash dividends to net income (ytd only)* | 60.2972% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 5,769 |
| Loan loss allowance to noncurrent loans | 95.3655% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 5,036 |
| Noncurrent loans to loans | 1.0616% | 3,805 |
| Net loans and leases to total assets | 40.4507% | 6,015 |
| Net loans and leases to deposits | 47.7593% | 5,996 |
| Net loans and leases to core deposits | 48.8585% | 6,086 |
| Total domestic deposits to total assets | 84.6969% | 4,042 |
| Equity capital to assets | 10.4669% | 3,346 |
| Core capital (leverage) ratio | 7.6810% | 6,377 |
| Tier 1 risk-based capital ratio | 12.6997% | 5,354 |
| Total risk-based capital ratio | 13.2656% | 5,733 |
| Memoranda: | ||
| Average total assets | $22,769,250,330 | 58 |
| Average earning assets | $20,757,946,670 | 55 |
| Average equity | $2,386,273,000 | 63 |
| Average total loans | $9,204,021,330 | 81 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0672% | 6,438 |
| Cost of funding earning assets | 0.0778% | 6,941 |
| Net interest margin | 2.9894% | 5,599 |
| Noninterest income to average assets | 1.3114% | 896 |
| Noninterest expense to average assets | 2.6693% | 4,187 |
| Loan and lease loss provision to assets | 0.1050% | 2,934 |
| Net operating income to assets | 0.9943% | 2,247 |
| Return on assets (ROA) | 0.9944% | 2,368 |
| Pretax return on assets | 1.2602% | 2,370 |
| Return on Equity (ROE) | 9.4821% | 2,278 |
| Retained earnings to average equity (ytd only) | 3.3257% | 4,257 |
| Net charge-offs to loans | 0.7338% | 833 |
| Credit loss provision to net charge-offs | 35.5787% | 2,808 |
| Earnings coverage of net charge-offs (x) | 4.6274% | 2,514 |
| Efficiency ratio | 65.8078% | 4,697 |
| Assets per employee ($millions) | 5.5829% | 1,593 |
| Cash dividends to net income (ytd only)* | 64.9262% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 5,916 |
| Loan loss allowance to noncurrent loans | 91.6829% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 5,117 |
| Noncurrent loans to loans | 1.1140% | 3,920 |
| Net loans and leases to total assets | 40.2297% | 5,978 |
| Net loans and leases to deposits | 47.4142% | 5,966 |
| Net loans and leases to core deposits | 48.4836% | 6,068 |
| Total domestic deposits to total assets | 84.8474% | 4,119 |
| Equity capital to assets | 10.6262% | 3,403 |
| Core capital (leverage) ratio | 7.5778% | 6,434 |
| Tier 1 risk-based capital ratio | 12.8015% | 5,370 |
| Total risk-based capital ratio | 13.3898% | 5,781 |
| Memoranda: | ||
| Average total assets | $22,865,852,500 | 57 |
| Average earning assets | $20,828,410,000 | 54 |
| Average equity | $2,397,900,000 | 62 |
| Average total loans | $9,193,250,000 | 83 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2918% | 6,593 |
| Cost of funding earning assets | 0.0947% | 7,003 |
| Net interest margin | 3.1971% | 5,571 |
| Noninterest income to average assets | 1.2749% | 952 |
| Noninterest expense to average assets | 2.6365% | 4,616 |
| Loan and lease loss provision to assets | 0.0472% | 5,244 |
| Net operating income to assets | 1.1255% | 1,855 |
| Return on assets (ROA) | 1.1408% | 1,972 |
| Pretax return on assets | 1.5006% | 1,673 |
| Return on Equity (ROE) | 10.3031% | 2,045 |
| Retained earnings to average equity (ytd only) | 4.2318% | 3,248 |
| Net charge-offs to loans | 0.1850% | 3,904 |
| Credit loss provision to net charge-offs | 63.8986% | 4,341 |
| Earnings coverage of net charge-offs (x) | 20.6887% | 1,339 |
| Efficiency ratio | 62.8771% | 5,102 |
| Assets per employee ($millions) | 5.9032% | 1,356 |
| Cash dividends to net income (ytd only)* | 58.9268% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 5,432 |
| Loan loss allowance to noncurrent loans | 107.9763% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 5,264 |
| Noncurrent loans to loans | 1.0488% | 4,108 |
| Net loans and leases to total assets | 39.3272% | 6,215 |
| Net loans and leases to deposits | 46.4763% | 6,222 |
| Net loans and leases to core deposits | 47.4523% | 6,302 |
| Total domestic deposits to total assets | 84.6178% | 4,028 |
| Equity capital to assets | 10.3513% | 3,694 |
| Core capital (leverage) ratio | 7.5779% | 6,461 |
| Tier 1 risk-based capital ratio | 12.5063% | 5,472 |
| Total risk-based capital ratio | 13.1829% | 5,784 |
| Memoranda: | ||
| Average total assets | $21,364,317,000 | 58 |
| Average earning assets | $19,306,869,200 | 58 |
| Average equity | $2,365,598,200 | 59 |
| Average total loans | $8,528,279,000 | 87 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3449% | 6,686 |
| Cost of funding earning assets | 0.0978% | 7,112 |
| Net interest margin | 3.2470% | 5,558 |
| Noninterest income to average assets | 1.2973% | 877 |
| Noninterest expense to average assets | 2.6758% | 4,472 |
| Loan and lease loss provision to assets | 0.0380% | 5,302 |
| Net operating income to assets | 1.1626% | 1,859 |
| Return on assets (ROA) | 1.1620% | 2,056 |
| Pretax return on assets | 1.5151% | 1,827 |
| Return on Equity (ROE) | 10.3081% | 2,211 |
| Retained earnings to average equity (ytd only) | 4.2289% | 3,918 |
| Net charge-offs to loans | 0.1708% | 3,734 |
| Credit loss provision to net charge-offs | 55.6490% | 4,261 |
| Earnings coverage of net charge-offs (x) | 22.7714% | 1,344 |
| Efficiency ratio | 62.8135% | 5,007 |
| Assets per employee ($millions) | 5.5824% | 1,554 |
| Cash dividends to net income (ytd only)* | 58.9745% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 5,298 |
| Loan loss allowance to noncurrent loans | 93.0701% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 5,169 |
| Noncurrent loans to loans | 1.2862% | 3,892 |
| Net loans and leases to total assets | 39.7866% | 6,299 |
| Net loans and leases to deposits | 47.5269% | 6,288 |
| Net loans and leases to core deposits | 48.6159% | 6,373 |
| Total domestic deposits to total assets | 83.7139% | 4,352 |
| Equity capital to assets | 11.0318% | 3,233 |
| Core capital (leverage) ratio | 7.8951% | 6,402 |
| Tier 1 risk-based capital ratio | 12.9574% | 5,286 |
| Total risk-based capital ratio | 13.6843% | 5,658 |
| Memoranda: | ||
| Average total assets | $20,908,437,250 | 59 |
| Average earning assets | $18,882,637,750 | 60 |
| Average equity | $2,356,938,250 | 60 |
| Average total loans | $8,354,454,250 | 88 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3903% | 6,733 |
| Cost of funding earning assets | 0.0993% | 7,179 |
| Net interest margin | 3.2910% | 5,467 |
| Noninterest income to average assets | 1.3051% | 834 |
| Noninterest expense to average assets | 2.6948% | 4,452 |
| Loan and lease loss provision to assets | 0.0336% | 5,250 |
| Net operating income to assets | 1.1856% | 1,763 |
| Return on assets (ROA) | 1.1847% | 1,965 |
| Pretax return on assets | 1.5411% | 1,743 |
| Return on Equity (ROE) | 10.4303% | 2,201 |
| Retained earnings to average equity (ytd only) | 4.3317% | 3,734 |
| Net charge-offs to loans | 0.1939% | 3,421 |
| Credit loss provision to net charge-offs | 43.4373% | 4,184 |
| Earnings coverage of net charge-offs (x) | 20.3960% | 1,390 |
| Efficiency ratio | 62.6438% | 5,144 |
| Assets per employee ($millions) | 5.2217% | 1,903 |
| Cash dividends to net income (ytd only)* | 58.4703% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 5,146 |
| Loan loss allowance to noncurrent loans | 101.8991% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 5,294 |
| Noncurrent loans to loans | 1.2213% | 4,105 |
| Net loans and leases to total assets | 40.0685% | 6,332 |
| Net loans and leases to deposits | 48.2784% | 6,293 |
| Net loans and leases to core deposits | 49.4732% | 6,369 |
| Total domestic deposits to total assets | 82.9946% | 4,756 |
| Equity capital to assets | 11.3139% | 2,773 |
| Core capital (leverage) ratio | 7.9930% | 6,289 |
| Tier 1 risk-based capital ratio | 12.9924% | 5,197 |
| Total risk-based capital ratio | 13.7388% | 5,551 |
| Memoranda: | ||
| Average total assets | $20,589,150,670 | 60 |
| Average earning assets | $18,553,058,000 | 61 |
| Average equity | $2,338,504,330 | 60 |
| Average total loans | $8,204,185,330 | 88 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4279% | 6,777 |
| Cost of funding earning assets | 0.1004% | 7,248 |
| Net interest margin | 3.3275% | 5,380 |
| Noninterest income to average assets | 1.3555% | 780 |
| Noninterest expense to average assets | 2.7418% | 4,280 |
| Loan and lease loss provision to assets | 0.0215% | 5,069 |
| Net operating income to assets | 1.2158% | 1,691 |
| Return on assets (ROA) | 1.2084% | 1,890 |
| Pretax return on assets | 1.5784% | 1,641 |
| Return on Equity (ROE) | 10.6181% | 2,180 |
| Retained earnings to average equity (ytd only) | 4.7164% | 3,737 |
| Net charge-offs to loans | 0.2017% | 2,908 |
| Credit loss provision to net charge-offs | 27.0536% | 3,670 |
| Earnings coverage of net charge-offs (x) | 20.2105% | 1,196 |
| Efficiency ratio | 62.5550% | 5,178 |
| Assets per employee ($millions) | 5.0963% | 2,132 |
| Cash dividends to net income (ytd only)* | 55.5815% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 4,934 |
| Loan loss allowance to noncurrent loans | 90.4573% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.6895% | 5,175 |
| Noncurrent loans to loans | 1.4579% | 3,928 |
| Net loans and leases to total assets | 39.1769% | 6,412 |
| Net loans and leases to deposits | 47.1111% | 6,351 |
| Net loans and leases to core deposits | 48.3034% | 6,440 |
| Total domestic deposits to total assets | 83.1585% | 4,860 |
| Equity capital to assets | 11.4096% | 2,517 |
| Core capital (leverage) ratio | 8.0554% | 6,207 |
| Tier 1 risk-based capital ratio | 13.4304% | 4,877 |
| Total risk-based capital ratio | 14.2315% | 5,202 |
| Memoranda: | ||
| Average total assets | $20,422,085,000 | 62 |
| Average earning assets | $18,386,861,000 | 61 |
| Average equity | $2,324,135,000 | 60 |
| Average total loans | $8,061,630,000 | 89 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 6,813 |
| Cost of funding earning assets | 0.1705% | 7,264 |
| Net interest margin | 3.5584% | 4,901 |
| Noninterest income to average assets | 1.4343% | 632 |
| Noninterest expense to average assets | 2.9027% | 3,947 |
| Loan and lease loss provision to assets | 0.1459% | 4,788 |
| Net operating income to assets | 1.1716% | 1,598 |
| Return on assets (ROA) | 1.1972% | 1,628 |
| Pretax return on assets | 1.6015% | 1,192 |
| Return on Equity (ROE) | 10.1468% | 2,013 |
| Retained earnings to average equity (ytd only) | 4.3477% | 3,080 |
| Net charge-offs to loans | 0.5409% | 2,850 |
| Credit loss provision to net charge-offs | 62.9270% | 5,091 |
| Earnings coverage of net charge-offs (x) | 7.3886% | 2,345 |
| Efficiency ratio | 62.3776% | 5,397 |
| Assets per employee ($millions) | 5.2303% | 1,908 |
| Cash dividends to net income (ytd only)* | 57.1524% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 4,571 |
| Loan loss allowance to noncurrent loans | 98.5259% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 5,284 |
| Noncurrent loans to loans | 1.3982% | 4,050 |
| Net loans and leases to total assets | 38.7079% | 6,618 |
| Net loans and leases to deposits | 46.8080% | 6,579 |
| Net loans and leases to core deposits | 48.1314% | 6,638 |
| Total domestic deposits to total assets | 82.6951% | 4,884 |
| Equity capital to assets | 11.3512% | 2,636 |
| Core capital (leverage) ratio | 8.0888% | 6,156 |
| Tier 1 risk-based capital ratio | 13.4225% | 4,753 |
| Total risk-based capital ratio | 14.2331% | 5,063 |
| Memoranda: | ||
| Average total assets | $18,808,209,400 | 62 |
| Average earning assets | $16,816,863,000 | 66 |
| Average equity | $2,219,058,400 | 61 |
| Average total loans | $8,062,831,000 | 87 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7933% | 6,846 |
| Cost of funding earning assets | 0.1919% | 7,336 |
| Net interest margin | 3.6014% | 4,760 |
| Noninterest income to average assets | 1.4881% | 592 |
| Noninterest expense to average assets | 2.9310% | 3,798 |
| Loan and lease loss provision to assets | 0.1987% | 4,039 |
| Net operating income to assets | 1.1815% | 1,707 |
| Return on assets (ROA) | 1.2163% | 1,721 |
| Pretax return on assets | 1.6187% | 1,334 |
| Return on Equity (ROE) | 10.2022% | 2,130 |
| Retained earnings to average equity (ytd only) | 4.4389% | 3,566 |
| Net charge-offs to loans | 0.6325% | 2,352 |
| Credit loss provision to net charge-offs | 71.6056% | 4,428 |
| Earnings coverage of net charge-offs (x) | 6.3825% | 2,562 |
| Efficiency ratio | 61.8220% | 5,438 |
| Assets per employee ($millions) | 5.0601% | 2,112 |
| Cash dividends to net income (ytd only)* | 56.4906% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 4,433 |
| Loan loss allowance to noncurrent loans | 90.2271% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 5,163 |
| Noncurrent loans to loans | 1.5814% | 3,925 |
| Net loans and leases to total assets | 40.8170% | 6,578 |
| Net loans and leases to deposits | 49.3921% | 6,536 |
| Net loans and leases to core deposits | 51.0551% | 6,618 |
| Total domestic deposits to total assets | 82.6387% | 4,823 |
| Equity capital to assets | 11.7024% | 2,491 |
| Core capital (leverage) ratio | 8.2787% | 6,004 |
| Tier 1 risk-based capital ratio | 13.6861% | 4,586 |
| Total risk-based capital ratio | 14.5758% | 4,837 |
| Memoranda: | ||
| Average total assets | $18,417,227,000 | 64 |
| Average earning assets | $16,435,459,250 | 67 |
| Average equity | $2,195,700,750 | 62 |
| Average total loans | $8,079,594,000 | 87 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 6,828 |
| Cost of funding earning assets | 0.2167% | 7,402 |
| Net interest margin | 3.6663% | 4,435 |
| Noninterest income to average assets | 1.5135% | 559 |
| Noninterest expense to average assets | 2.9999% | 3,641 |
| Loan and lease loss provision to assets | 0.2043% | 3,882 |
| Net operating income to assets | 1.2383% | 1,467 |
| Return on assets (ROA) | 1.2383% | 1,542 |
| Pretax return on assets | 1.5722% | 1,316 |
| Return on Equity (ROE) | 10.3183% | 2,006 |
| Retained earnings to average equity (ytd only) | 4.7947% | 3,127 |
| Net charge-offs to loans | 0.5451% | 2,467 |
| Credit loss provision to net charge-offs | 83.7574% | 3,655 |
| Earnings coverage of net charge-offs (x) | 7.2819% | 2,250 |
| Efficiency ratio | 62.2902% | 5,545 |
| Assets per employee ($millions) | 4.8118% | 2,391 |
| Cash dividends to net income (ytd only)* | 53.5316% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 4,036 |
| Loan loss allowance to noncurrent loans | 85.3993% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.9424% | 4,981 |
| Noncurrent loans to loans | 1.7797% | 3,779 |
| Net loans and leases to total assets | 42.9409% | 6,528 |
| Net loans and leases to deposits | 52.3636% | 6,438 |
| Net loans and leases to core deposits | 54.2066% | 6,545 |
| Total domestic deposits to total assets | 82.0052% | 5,166 |
| Equity capital to assets | 12.0071% | 2,081 |
| Core capital (leverage) ratio | 8.4305% | 5,664 |
| Tier 1 risk-based capital ratio | 13.5365% | 4,494 |
| Total risk-based capital ratio | 14.5019% | 4,706 |
| Memoranda: | ||
| Average total assets | $18,043,950,000 | 67 |
| Average earning assets | $16,058,743,330 | 71 |
| Average equity | $2,165,498,670 | 64 |
| Average total loans | $8,076,168,330 | 89 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9053% | 6,817 |
| Cost of funding earning assets | 0.2209% | 7,466 |
| Net interest margin | 3.6844% | 4,183 |
| Noninterest income to average assets | 1.5375% | 552 |
| Noninterest expense to average assets | 3.0782% | 3,345 |
| Loan and lease loss provision to assets | 0.2123% | 3,525 |
| Net operating income to assets | 1.1953% | 1,534 |
| Return on assets (ROA) | 1.1954% | 1,579 |
| Pretax return on assets | 1.5196% | 1,390 |
| Return on Equity (ROE) | 9.9633% | 2,110 |
| Retained earnings to average equity (ytd only) | 4.7434% | 3,349 |
| Net charge-offs to loans | 0.5668% | 2,070 |
| Credit loss provision to net charge-offs | 82.5688% | 3,107 |
| Earnings coverage of net charge-offs (x) | 6.7355% | 2,057 |
| Efficiency ratio | 63.4732% | 5,445 |
| Assets per employee ($millions) | 4.6637% | 2,631 |
| Cash dividends to net income (ytd only)* | 52.3913% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 3,971 |
| Loan loss allowance to noncurrent loans | 83.7827% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9954% | 4,914 |
| Noncurrent loans to loans | 1.8487% | 3,758 |
| Net loans and leases to total assets | 43.9880% | 6,470 |
| Net loans and leases to deposits | 53.5159% | 6,344 |
| Net loans and leases to core deposits | 55.5227% | 6,450 |
| Total domestic deposits to total assets | 82.1962% | 5,228 |
| Equity capital to assets | 11.9620% | 1,940 |
| Core capital (leverage) ratio | 8.4913% | 5,470 |
| Tier 1 risk-based capital ratio | 13.4221% | 4,484 |
| Total risk-based capital ratio | 14.4090% | 4,678 |
| Memoranda: | ||
| Average total assets | $17,805,565,000 | 69 |
| Average earning assets | $15,815,060,500 | 71 |
| Average equity | $2,136,351,000 | 66 |
| Average total loans | $8,076,400,000 | 90 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 7,030 |
| Cost of funding earning assets | 0.2725% | 7,524 |
| Net interest margin | 3.8398% | 3,777 |
| Noninterest income to average assets | 1.5678% | 599 |
| Noninterest expense to average assets | 3.0466% | 3,669 |
| Loan and lease loss provision to assets | 0.2544% | 4,752 |
| Net operating income to assets | 1.2715% | 1,243 |
| Return on assets (ROA) | 1.2715% | 1,308 |
| Pretax return on assets | 1.6501% | 1,037 |
| Return on Equity (ROE) | 10.3729% | 1,793 |
| Retained earnings to average equity (ytd only) | 5.2301% | 2,292 |
| Net charge-offs to loans | 0.5215% | 3,536 |
| Credit loss provision to net charge-offs | 102.3636% | 4,419 |
| Earnings coverage of net charge-offs (x) | 7.6627% | 2,088 |
| Efficiency ratio | 60.9301% | 5,905 |
| Assets per employee ($millions) | 4.6207% | 2,666 |
| Cash dividends to net income (ytd only)* | 49.5795% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 3,755 |
| Loan loss allowance to noncurrent loans | 76.9061% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.0857% | 4,838 |
| Noncurrent loans to loans | 2.0212% | 3,533 |
| Net loans and leases to total assets | 45.3341% | 6,610 |
| Net loans and leases to deposits | 54.9655% | 6,522 |
| Net loans and leases to core deposits | 57.0710% | 6,630 |
| Total domestic deposits to total assets | 82.4773% | 5,027 |
| Equity capital to assets | 12.0351% | 1,895 |
| Core capital (leverage) ratio | 8.2475% | 5,754 |
| Tier 1 risk-based capital ratio | 13.1232% | 4,509 |
| Total risk-based capital ratio | 14.1331% | 4,669 |
| Memoranda: | ||
| Average total assets | $17,141,483,000 | 69 |
| Average earning assets | $15,103,748,000 | 71 |
| Average equity | $2,101,192,800 | 61 |
| Average total loans | $8,169,469,600 | 86 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1511% | 7,154 |
| Cost of funding earning assets | 0.2820% | 7,645 |
| Net interest margin | 3.8690% | 3,663 |
| Noninterest income to average assets | 1.5806% | 560 |
| Noninterest expense to average assets | 3.0702% | 3,481 |
| Loan and lease loss provision to assets | 0.2533% | 4,557 |
| Net operating income to assets | 1.2709% | 1,409 |
| Return on assets (ROA) | 1.2710% | 1,492 |
| Pretax return on assets | 1.6610% | 1,185 |
| Return on Equity (ROE) | 10.3199% | 1,997 |
| Retained earnings to average equity (ytd only) | 5.2519% | 2,813 |
| Net charge-offs to loans | 0.5130% | 3,237 |
| Credit loss provision to net charge-offs | 102.6944% | 4,190 |
| Earnings coverage of net charge-offs (x) | 7.7617% | 2,274 |
| Efficiency ratio | 60.9820% | 5,799 |
| Assets per employee ($millions) | 4.6731% | 2,643 |
| Cash dividends to net income (ytd only)* | 49.1091% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5646% | 3,681 |
| Loan loss allowance to noncurrent loans | 70.5596% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.1352% | 4,849 |
| Noncurrent loans to loans | 2.2175% | 3,424 |
| Net loans and leases to total assets | 44.5781% | 6,803 |
| Net loans and leases to deposits | 54.2045% | 6,758 |
| Net loans and leases to core deposits | 56.6510% | 6,824 |
| Total domestic deposits to total assets | 82.2405% | 4,895 |
| Equity capital to assets | 12.3271% | 1,954 |
| Core capital (leverage) ratio | 8.3183% | 5,834 |
| Tier 1 risk-based capital ratio | 12.8230% | 4,713 |
| Total risk-based capital ratio | 13.8290% | 4,889 |
| Memoranda: | ||
| Average total assets | $17,015,235,500 | 70 |
| Average earning assets | $14,969,437,750 | 72 |
| Average equity | $2,095,550,250 | 62 |
| Average total loans | $8,180,292,000 | 85 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 7,168 |
| Cost of funding earning assets | 0.2928% | 7,717 |
| Net interest margin | 3.9084% | 3,406 |
| Noninterest income to average assets | 1.6040% | 506 |
| Noninterest expense to average assets | 3.1287% | 3,189 |
| Loan and lease loss provision to assets | 0.2653% | 4,269 |
| Net operating income to assets | 1.2581% | 1,407 |
| Return on assets (ROA) | 1.2581% | 1,476 |
| Pretax return on assets | 1.6469% | 1,175 |
| Return on Equity (ROE) | 10.2191% | 2,017 |
| Retained earnings to average equity (ytd only) | 5.1930% | 2,787 |
| Net charge-offs to loans | 0.5375% | 2,915 |
| Credit loss provision to net charge-offs | 100.6021% | 4,048 |
| Earnings coverage of net charge-offs (x) | 7.2510% | 2,333 |
| Efficiency ratio | 61.4437% | 5,780 |
| Assets per employee ($millions) | 4.4497% | 2,964 |
| Cash dividends to net income (ytd only)* | 49.1835% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 3,658 |
| Loan loss allowance to noncurrent loans | 74.7331% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.1230% | 4,885 |
| Noncurrent loans to loans | 2.0778% | 3,622 |
| Net loans and leases to total assets | 46.4843% | 6,745 |
| Net loans and leases to deposits | 56.6571% | 6,675 |
| Net loans and leases to core deposits | 59.6703% | 6,733 |
| Total domestic deposits to total assets | 82.0450% | 4,963 |
| Equity capital to assets | 12.4454% | 1,828 |
| Core capital (leverage) ratio | 8.4269% | 5,534 |
| Tier 1 risk-based capital ratio | 12.5936% | 4,774 |
| Total risk-based capital ratio | 13.8794% | 4,716 |
| Memoranda: | ||
| Average total assets | $16,752,158,670 | 69 |
| Average earning assets | $14,730,765,670 | 71 |
| Average equity | $2,062,474,000 | 62 |
| Average total loans | $8,219,374,000 | 84 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 7,254 |
| Cost of funding earning assets | 0.3123% | 7,814 |
| Net interest margin | 3.8952% | 3,351 |
| Noninterest income to average assets | 1.6380% | 471 |
| Noninterest expense to average assets | 3.1597% | 3,013 |
| Loan and lease loss provision to assets | 0.3275% | 3,439 |
| Net operating income to assets | 1.2106% | 1,514 |
| Return on assets (ROA) | 1.2107% | 1,584 |
| Pretax return on assets | 1.5716% | 1,336 |
| Return on Equity (ROE) | 9.8891% | 2,141 |
| Retained earnings to average equity (ytd only) | 4.6159% | 3,367 |
| Net charge-offs to loans | 0.6519% | 2,191 |
| Credit loss provision to net charge-offs | 100.4441% | 3,374 |
| Earnings coverage of net charge-offs (x) | 5.8236% | 2,330 |
| Efficiency ratio | 61.8248% | 5,865 |
| Assets per employee ($millions) | 4.3794% | 3,162 |
| Cash dividends to net income (ytd only)* | 53.3231% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 3,755 |
| Loan loss allowance to noncurrent loans | 69.9576% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.2239% | 4,728 |
| Noncurrent loans to loans | 2.1860% | 3,547 |
| Net loans and leases to total assets | 48.0400% | 6,673 |
| Net loans and leases to deposits | 58.4533% | 6,593 |
| Net loans and leases to core deposits | 61.6385% | 6,628 |
| Total domestic deposits to total assets | 82.1853% | 4,993 |
| Equity capital to assets | 12.1760% | 1,944 |
| Core capital (leverage) ratio | 8.3860% | 5,593 |
| Tier 1 risk-based capital ratio | 12.2325% | 4,965 |
| Total risk-based capital ratio | 13.5120% | 4,903 |
| Memoranda: | ||
| Average total assets | $16,573,633,000 | 67 |
| Average earning assets | $14,554,415,000 | 71 |
| Average equity | $2,029,057,000 | 59 |
| Average total loans | $8,289,788,500 | 84 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 7,310 |
| Cost of funding earning assets | 0.5359% | 7,815 |
| Net interest margin | 4.0377% | 2,704 |
| Noninterest income to average assets | 1.8120% | 449 |
| Noninterest expense to average assets | 3.3104% | 2,981 |
| Loan and lease loss provision to assets | 0.4145% | 4,325 |
| Net operating income to assets | 1.1989% | 1,244 |
| Return on assets (ROA) | 1.1929% | 1,311 |
| Pretax return on assets | 1.5840% | 992 |
| Return on Equity (ROE) | 9.5469% | 1,841 |
| Retained earnings to average equity (ytd only) | 4.7398% | 1,954 |
| Net charge-offs to loans | 0.5826% | 3,472 |
| Credit loss provision to net charge-offs | 129.9316% | 3,934 |
| Earnings coverage of net charge-offs (x) | 6.2899% | 2,399 |
| Efficiency ratio | 61.4829% | 6,245 |
| Assets per employee ($millions) | 4.2188% | 3,398 |
| Cash dividends to net income (ytd only)* | 50.3525% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 3,756 |
| Loan loss allowance to noncurrent loans | 73.3076% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.2497% | 4,596 |
| Noncurrent loans to loans | 2.0394% | 3,600 |
| Net loans and leases to total assets | 50.5177% | 6,576 |
| Net loans and leases to deposits | 61.6191% | 6,505 |
| Net loans and leases to core deposits | 66.0081% | 6,981 |
| Total domestic deposits to total assets | 81.9838% | 4,955 |
| Equity capital to assets | 12.3112% | 1,847 |
| Core capital (leverage) ratio | 8.3313% | 5,555 |
| Tier 1 risk-based capital ratio | 11.6542% | 5,246 |
| Total risk-based capital ratio | 12.9050% | 5,197 |
| Memoranda: | ||
| Average total assets | $15,777,076,400 | 71 |
| Average earning assets | $13,694,757,400 | 70 |
| Average equity | $1,971,325,800 | 60 |
| Average total loans | $8,638,304,000 | 84 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6175% | 7,395 |
| Cost of funding earning assets | 0.5803% | 7,896 |
| Net interest margin | 4.0372% | 2,649 |
| Noninterest income to average assets | 1.7263% | 492 |
| Noninterest expense to average assets | 3.3433% | 2,752 |
| Loan and lease loss provision to assets | 0.3679% | 4,112 |
| Net operating income to assets | 1.1483% | 1,589 |
| Return on assets (ROA) | 1.1487% | 1,661 |
| Pretax return on assets | 1.5138% | 1,372 |
| Return on Equity (ROE) | 9.1579% | 2,206 |
| Retained earnings to average equity (ytd only) | 4.3056% | 2,866 |
| Net charge-offs to loans | 0.4637% | 3,366 |
| Credit loss provision to net charge-offs | 142.5475% | 3,435 |
| Earnings coverage of net charge-offs (x) | 7.2896% | 2,433 |
| Efficiency ratio | 63.1645% | 5,897 |
| Assets per employee ($millions) | 4.1301% | 3,510 |
| Cash dividends to net income (ytd only)* | 52.9851% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 3,716 |
| Loan loss allowance to noncurrent loans | 54.7779% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.5654% | 4,015 |
| Noncurrent loans to loans | 2.6357% | 2,871 |
| Net loans and leases to total assets | 51.8333% | 6,615 |
| Net loans and leases to deposits | 64.5478% | 6,448 |
| Net loans and leases to core deposits | 70.3056% | 6,955 |
| Total domestic deposits to total assets | 80.3023% | 5,331 |
| Equity capital to assets | 12.4910% | 1,963 |
| Core capital (leverage) ratio | 8.3029% | 5,829 |
| Tier 1 risk-based capital ratio | 11.2523% | 5,688 |
| Total risk-based capital ratio | 12.4726% | 5,676 |
| Memoranda: | ||
| Average total assets | $15,635,429,750 | 75 |
| Average earning assets | $13,548,203,250 | 74 |
| Average equity | $1,961,131,500 | 62 |
| Average total loans | $8,702,441,000 | 85 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7012% | 7,388 |
| Cost of funding earning assets | 0.6116% | 7,983 |
| Net interest margin | 4.0896% | 2,355 |
| Noninterest income to average assets | 1.7462% | 480 |
| Noninterest expense to average assets | 3.3907% | 2,656 |
| Loan and lease loss provision to assets | 0.3394% | 3,902 |
| Net operating income to assets | 1.1382% | 1,635 |
| Return on assets (ROA) | 1.1387% | 1,719 |
| Pretax return on assets | 1.5413% | 1,348 |
| Return on Equity (ROE) | 9.0650% | 2,338 |
| Retained earnings to average equity (ytd only) | 6.6236% | 1,732 |
| Net charge-offs to loans | 0.3184% | 3,595 |
| Credit loss provision to net charge-offs | 187.8953% | 2,431 |
| Earnings coverage of net charge-offs (x) | 10.4094% | 1,996 |
| Efficiency ratio | 63.4706% | 6,007 |
| Assets per employee ($millions) | 3.9967% | 3,678 |
| Cash dividends to net income (ytd only)* | 26.9331% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 3,723 |
| Loan loss allowance to noncurrent loans | 57.4795% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 1.4655% | 4,042 |
| Noncurrent loans to loans | 2.4354% | 2,966 |
| Net loans and leases to total assets | 53.8529% | 6,472 |
| Net loans and leases to deposits | 67.7465% | 6,223 |
| Net loans and leases to core deposits | 74.7333% | 6,748 |
| Total domestic deposits to total assets | 79.4918% | 5,655 |
| Equity capital to assets | 12.3086% | 2,022 |
| Core capital (leverage) ratio | 8.5542% | 5,348 |
| Tier 1 risk-based capital ratio | 10.9648% | 5,910 |
| Total risk-based capital ratio | 12.4051% | 5,636 |
| Memoranda: | ||
| Average total assets | $15,442,300,000 | 80 |
| Average earning assets | $13,308,088,000 | 79 |
| Average equity | $1,939,713,670 | 65 |
| Average total loans | $8,760,654,670 | 90 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 7,471 |
| Cost of funding earning assets | 0.6466% | 8,027 |
| Net interest margin | 4.0771% | 2,368 |
| Noninterest income to average assets | 1.7962% | 421 |
| Noninterest expense to average assets | 3.3499% | 2,496 |
| Loan and lease loss provision to assets | 0.2519% | 3,957 |
| Net operating income to assets | 1.2426% | 1,530 |
| Return on assets (ROA) | 1.2426% | 1,635 |
| Pretax return on assets | 1.6994% | 1,180 |
| Return on Equity (ROE) | 9.7907% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.7907% | 1,256 |
| Net charge-offs to loans | 0.2576% | 3,119 |
| Credit loss provision to net charge-offs | 169.0912% | 2,532 |
| Earnings coverage of net charge-offs (x) | 13.0972% | 1,755 |
| Efficiency ratio | 62.3092% | 5,998 |
| Assets per employee ($millions) | 3.9274% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 4,126 |
| Loan loss allowance to noncurrent loans | 80.6675% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.0019% | 4,693 |
| Noncurrent loans to loans | 1.5994% | 3,878 |
| Net loans and leases to total assets | 56.4027% | 6,182 |
| Net loans and leases to deposits | 71.6033% | 5,797 |
| Net loans and leases to core deposits | 78.9412% | 6,465 |
| Total domestic deposits to total assets | 78.7711% | 5,803 |
| Equity capital to assets | 12.7899% | 1,837 |
| Core capital (leverage) ratio | 8.8221% | 4,943 |
| Tier 1 risk-based capital ratio | 10.7662% | 6,125 |
| Total risk-based capital ratio | 12.1314% | 5,920 |
| Memoranda: | ||
| Average total assets | $15,243,903,000 | 81 |
| Average earning assets | $13,105,284,500 | 83 |
| Average equity | $1,934,781,500 | 67 |
| Average total loans | $8,815,525,500 | 93 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7143% | 6,732 |
| Cost of funding earning assets | 1.0912% | 8,013 |
| Net interest margin | 4.6231% | 1,118 |
| Noninterest income to average assets | 1.9247% | 366 |
| Noninterest expense to average assets | 3.3474% | 2,824 |
| Loan and lease loss provision to assets | 0.2680% | 4,254 |
| Net operating income to assets | 1.5175% | 984 |
| Return on assets (ROA) | 1.5167% | 955 |
| Pretax return on assets | 2.2000% | 399 |
| Return on Equity (ROE) | 12.2611% | 1,534 |
| Retained earnings to average equity (ytd only) | 6.0608% | 1,501 |
| Net charge-offs to loans | 0.2391% | 3,860 |
| Credit loss provision to net charge-offs | 189.8936% | 2,603 |
| Earnings coverage of net charge-offs (x) | 17.4950% | 1,765 |
| Efficiency ratio | 56.5869% | 6,931 |
| Assets per employee ($millions) | 3.8879% | 3,765 |
| Cash dividends to net income (ytd only)* | 50.5688% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 4,283 |
| Loan loss allowance to noncurrent loans | 126.7923% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.6545% | 5,255 |
| Noncurrent loans to loans | 0.9728% | 4,648 |
| Net loans and leases to total assets | 57.8099% | 6,228 |
| Net loans and leases to deposits | 75.0496% | 5,722 |
| Net loans and leases to core deposits | 81.8673% | 6,473 |
| Total domestic deposits to total assets | 77.0289% | 5,978 |
| Equity capital to assets | 12.5928% | 1,969 |
| Core capital (leverage) ratio | 8.7466% | 5,118 |
| Tier 1 risk-based capital ratio | 10.2270% | 6,493 |
| Total risk-based capital ratio | 11.5447% | 6,302 |
| Memoranda: | ||
| Average total assets | $14,112,961,800 | 87 |
| Average earning assets | $11,880,489,400 | 91 |
| Average equity | $1,745,788,400 | 68 |
| Average total loans | $8,331,013,800 | 97 |