Home > Goldman Sachs Bank USA > Performance and Condition Ratios
Goldman Sachs Bank USA, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8522% | 403 |
| Cost of funding earning assets | 5.2268% | 28 |
| Net interest margin | 1.6254% | 4,441 |
| Noninterest income to average assets | 2.4100% | 208 |
| Noninterest expense to average assets | 1.2453% | 4,431 |
| Loan and lease loss provision to assets | 0.2400% | 402 |
| Net operating income to assets | 1.7260% | 641 |
| Return on assets (ROA) | 1.7251% | 646 |
| Pretax return on assets | 2.3336% | 407 |
| Return on Equity (ROE) | 16.4800% | 778 |
| Retained earnings to average equity (ytd only) | 16.4850% | 336 |
| Net charge-offs to loans | 0.8587% | 114 |
| Credit loss provision to net charge-offs | 78.2609% | 1,292 |
| Earnings coverage of net charge-offs (x) | 9.3587% | 1,670 |
| Efficiency ratio | 32.5636% | 4,447 |
| Assets per employee ($millions) | 137.2284% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3057% | 246 |
| Loan loss allowance to noncurrent loans | 112.2137% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 994 |
| Noncurrent loans to loans | 2.0547% | 314 |
| Net loans and leases to total assets | 30.6200% | 4,266 |
| Net loans and leases to deposits | 44.2447% | 4,085 |
| Net loans and leases to core deposits | 61.7780% | 3,697 |
| Total domestic deposits to total assets | 66.1200% | 4,370 |
| Equity capital to assets | 10.4194% | 1,767 |
| Core capital (leverage) ratio | 10.2132% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7564% | 1,129 |
| Memoranda: | ||
| Average total assets | $535,145,000,000 | 7 |
| Average earning assets | $465,604,500,000 | 7 |
| Average equity | $56,002,500,000 | 7 |
| Average total loans | $171,413,000,000 | 10 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5670% | 327 |
| Cost of funding earning assets | 4.6484% | 33 |
| Net interest margin | 1.9186% | 4,435 |
| Noninterest income to average assets | 1.4400% | 406 |
| Noninterest expense to average assets | 1.4003% | 4,390 |
| Loan and lease loss provision to assets | 0.2200% | 549 |
| Net operating income to assets | 1.0738% | 1,996 |
| Return on assets (ROA) | 1.0724% | 1,969 |
| Pretax return on assets | 1.4961% | 1,431 |
| Return on Equity (ROE) | 10.6000% | 2,331 |
| Retained earnings to average equity (ytd only) | 10.5958% | 880 |
| Net charge-offs to loans | 0.8406% | 122 |
| Credit loss provision to net charge-offs | 85.1852% | 1,982 |
| Earnings coverage of net charge-offs (x) | 6.3551% | 2,474 |
| Efficiency ratio | 41.4403% | 4,330 |
| Assets per employee ($millions) | 107.0025% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3722% | 223 |
| Loan loss allowance to noncurrent loans | 126.1371% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 887 |
| Noncurrent loans to loans | 1.8807% | 310 |
| Net loans and leases to total assets | 31.9800% | 4,250 |
| Net loans and leases to deposits | 43.6479% | 4,110 |
| Net loans and leases to core deposits | 61.8595% | 3,688 |
| Total domestic deposits to total assets | 69.6600% | 4,300 |
| Equity capital to assets | 10.5129% | 1,715 |
| Core capital (leverage) ratio | 10.2724% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7823% | 1,322 |
| Memoranda: | ||
| Average total assets | $510,537,400,000 | 8 |
| Average earning assets | $445,639,600,000 | 8 |
| Average equity | $51,671,200,000 | 7 |
| Average total loans | $163,817,800,000 | 10 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4998% | 304 |
| Cost of funding earning assets | 4.5049% | 36 |
| Net interest margin | 1.9949% | 4,441 |
| Noninterest income to average assets | 1.4500% | 407 |
| Noninterest expense to average assets | 1.4478% | 4,356 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.1514% | 1,918 |
| Return on assets (ROA) | 1.1498% | 1,904 |
| Pretax return on assets | 1.5921% | 1,374 |
| Return on Equity (ROE) | 11.4700% | 2,260 |
| Retained earnings to average equity (ytd only) | 11.4747% | 1,072 |
| Net charge-offs to loans | 0.7888% | 115 |
| Credit loss provision to net charge-offs | 62.1481% | 1,850 |
| Earnings coverage of net charge-offs (x) | 6.9051% | 2,261 |
| Efficiency ratio | 40.8503% | 4,338 |
| Assets per employee ($millions) | 109.5982% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3749% | 241 |
| Loan loss allowance to noncurrent loans | 101.3034% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 792 |
| Noncurrent loans to loans | 2.3443% | 217 |
| Net loans and leases to total assets | 29.6900% | 4,321 |
| Net loans and leases to deposits | 42.5943% | 4,147 |
| Net loans and leases to core deposits | 56.6368% | 3,827 |
| Total domestic deposits to total assets | 67.0900% | 4,386 |
| Equity capital to assets | 9.9055% | 1,878 |
| Core capital (leverage) ratio | 10.2017% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5634% | 1,417 |
| Memoranda: | ||
| Average total assets | $507,896,250,000 | 8 |
| Average earning assets | $441,907,250,000 | 8 |
| Average equity | $50,893,250,000 | 7 |
| Average total loans | $162,101,000,000 | 10 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4078% | 282 |
| Cost of funding earning assets | 4.3177% | 26 |
| Net interest margin | 2.0901% | 4,461 |
| Noninterest income to average assets | 1.2900% | 401 |
| Noninterest expense to average assets | 1.3133% | 4,466 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 1.1483% | 1,972 |
| Return on assets (ROA) | 1.1467% | 1,974 |
| Pretax return on assets | 1.5617% | 1,476 |
| Return on Equity (ROE) | 11.4100% | 2,326 |
| Retained earnings to average equity (ytd only) | 11.4075% | 1,102 |
| Net charge-offs to loans | 0.7364% | 116 |
| Credit loss provision to net charge-offs | 84.3697% | 1,534 |
| Earnings coverage of net charge-offs (x) | 7.4739% | 2,087 |
| Efficiency ratio | 41.9484% | 4,340 |
| Assets per employee ($millions) | 107.3279% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5773% | 198 |
| Loan loss allowance to noncurrent loans | 157.5597% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 1,061 |
| Noncurrent loans to loans | 1.6358% | 393 |
| Net loans and leases to total assets | 30.3900% | 4,320 |
| Net loans and leases to deposits | 42.9832% | 4,135 |
| Net loans and leases to core deposits | 59.1740% | 3,672 |
| Total domestic deposits to total assets | 68.1100% | 4,408 |
| Equity capital to assets | 9.9753% | 1,873 |
| Core capital (leverage) ratio | 9.7030% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7796% | 1,627 |
| Memoranda: | ||
| Average total assets | $498,290,666,667 | 8 |
| Average earning assets | $431,944,333,333 | 8 |
| Average equity | $50,089,666,667 | 8 |
| Average total loans | $161,591,333,333 | 10 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1405% | 261 |
| Cost of funding earning assets | 4.0138% | 4 |
| Net interest margin | 2.1267% | 4,526 |
| Noninterest income to average assets | 1.1500% | 470 |
| Noninterest expense to average assets | 1.2887% | 4,543 |
| Loan and lease loss provision to assets | -0.1500% | 4,603 |
| Net operating income to assets | 1.3549% | 1,529 |
| Return on assets (ROA) | 1.3533% | 1,506 |
| Pretax return on assets | 1.8467% | 991 |
| Return on Equity (ROE) | 13.4100% | 1,901 |
| Retained earnings to average equity (ytd only) | 13.4082% | 1,026 |
| Net charge-offs to loans | 0.6208% | 127 |
| Credit loss provision to net charge-offs | -76.8924% | 4,584 |
| Earnings coverage of net charge-offs (x) | 8.2908% | 1,726 |
| Efficiency ratio | 42.6149% | 4,362 |
| Assets per employee ($millions) | 100.2449% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3667% | 257 |
| Loan loss allowance to noncurrent loans | 150.3750% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5161% | 1,006 |
| Noncurrent loans to loans | 1.5739% | 413 |
| Net loans and leases to total assets | 32.0200% | 4,320 |
| Net loans and leases to deposits | 46.6022% | 4,012 |
| Net loans and leases to core deposits | 64.2070% | 3,334 |
| Total domestic deposits to total assets | 66.1800% | 4,481 |
| Equity capital to assets | 10.2657% | 1,682 |
| Core capital (leverage) ratio | 9.7764% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2957% | 1,544 |
| Memoranda: | ||
| Average total assets | $488,883,000,000 | 8 |
| Average earning assets | $424,137,500,000 | 8 |
| Average equity | $49,343,000,000 | 7 |
| Average total loans | $161,722,500,000 | 11 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3419% | 3,492 |
| Cost of funding earning assets | 1.7460% | 11 |
| Net interest margin | 1.5959% | 4,621 |
| Noninterest income to average assets | 1.2000% | 473 |
| Noninterest expense to average assets | 1.1719% | 4,617 |
| Loan and lease loss provision to assets | 0.4800% | 126 |
| Net operating income to assets | 0.6800% | 3,673 |
| Return on assets (ROA) | 0.6797% | 3,627 |
| Pretax return on assets | 0.9361% | 3,254 |
| Return on Equity (ROE) | 7.2600% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.2617% | 2,120 |
| Net charge-offs to loans | 0.3873% | 193 |
| Credit loss provision to net charge-offs | 398.3165% | 780 |
| Earnings coverage of net charge-offs (x) | 11.4731% | 2,149 |
| Efficiency ratio | 44.8705% | 4,397 |
| Assets per employee ($millions) | 94.3369% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6165% | 186 |
| Loan loss allowance to noncurrent loans | 258.0097% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 1,495 |
| Noncurrent loans to loans | 1.0141% | 716 |
| Net loans and leases to total assets | 32.5000% | 4,324 |
| Net loans and leases to deposits | 43.7155% | 4,127 |
| Net loans and leases to core deposits | 60.4607% | 3,483 |
| Total domestic deposits to total assets | 72.2900% | 4,421 |
| Equity capital to assets | 9.9189% | 1,747 |
| Core capital (leverage) ratio | 9.3857% | 3,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4138% | 1,505 |
| Memoranda: | ||
| Average total assets | $482,299,200,000 | 9 |
| Average earning assets | $418,832,200,000 | 9 |
| Average equity | $45,140,800,000 | 9 |
| Average total loans | $153,385,000,000 | 10 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6051% | 4,387 |
| Cost of funding earning assets | 1.1668% | 28 |
| Net interest margin | 1.4383% | 4,647 |
| Noninterest income to average assets | 1.2800% | 447 |
| Noninterest expense to average assets | 1.1827% | 4,636 |
| Loan and lease loss provision to assets | 0.4100% | 134 |
| Net operating income to assets | 0.6814% | 3,614 |
| Return on assets (ROA) | 0.6814% | 3,577 |
| Pretax return on assets | 0.9319% | 3,231 |
| Return on Equity (ROE) | 7.3900% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.3924% | 2,235 |
| Net charge-offs to loans | 0.3388% | 191 |
| Credit loss provision to net charge-offs | 402.8646% | 700 |
| Earnings coverage of net charge-offs (x) | 12.5651% | 1,912 |
| Efficiency ratio | 46.4863% | 4,353 |
| Assets per employee ($millions) | 100.1959% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2850% | 298 |
| Loan loss allowance to noncurrent loans | 303.5863% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.2333% | 2,062 |
| Noncurrent loans to loans | 0.7527% | 1,080 |
| Net loans and leases to total assets | 30.2900% | 4,415 |
| Net loans and leases to deposits | 43.1391% | 4,144 |
| Net loans and leases to core deposits | 63.4428% | 3,159 |
| Total domestic deposits to total assets | 68.7500% | 4,552 |
| Equity capital to assets | 9.1785% | 2,102 |
| Core capital (leverage) ratio | 9.0075% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5058% | 1,569 |
| Memoranda: | ||
| Average total assets | $481,132,250,000 | 8 |
| Average earning assets | $416,048,500,000 | 8 |
| Average equity | $44,350,500,000 | 8 |
| Average total loans | $151,104,750,000 | 10 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0221% | 4,612 |
| Cost of funding earning assets | 0.6893% | 168 |
| Net interest margin | 1.3328% | 4,703 |
| Noninterest income to average assets | 1.3768% | 380 |
| Noninterest expense to average assets | 1.1744% | 4,655 |
| Loan and lease loss provision to assets | 0.4275% | 130 |
| Net operating income to assets | 0.6810% | 3,375 |
| Return on assets (ROA) | 0.6810% | 3,331 |
| Pretax return on assets | 0.9281% | 2,970 |
| Return on Equity (ROE) | 7.3760% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.3760% | 1,860 |
| Net charge-offs to loans | 0.2858% | 242 |
| Credit loss provision to net charge-offs | 530.6604% | 611 |
| Earnings coverage of net charge-offs (x) | 15.0330% | 1,643 |
| Efficiency ratio | 46.0995% | 4,446 |
| Assets per employee ($millions) | 102.2628% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1469% | 412 |
| Loan loss allowance to noncurrent loans | 299.2939% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 2,188 |
| Noncurrent loans to loans | 0.7173% | 1,206 |
| Net loans and leases to total assets | 30.7946% | 4,436 |
| Net loans and leases to deposits | 44.3129% | 4,099 |
| Net loans and leases to core deposits | 68.3836% | 2,618 |
| Total domestic deposits to total assets | 68.3658% | 4,638 |
| Equity capital to assets | 8.8662% | 2,482 |
| Core capital (leverage) ratio | 8.9866% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2795% | 1,635 |
| Memoranda: | ||
| Average total assets | $470,208,000,000 | 8 |
| Average earning assets | $406,814,333,333 | 9 |
| Average equity | $43,411,000,000 | 9 |
| Average total loans | $148,374,000,000 | 10 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7021% | 4,680 |
| Cost of funding earning assets | 0.4334% | 708 |
| Net interest margin | 1.2687% | 4,727 |
| Noninterest income to average assets | 1.6014% | 324 |
| Noninterest expense to average assets | 1.1885% | 4,672 |
| Loan and lease loss provision to assets | 0.3944% | 135 |
| Net operating income to assets | 0.8275% | 2,565 |
| Return on assets (ROA) | 0.8275% | 2,560 |
| Pretax return on assets | 1.1189% | 2,081 |
| Return on Equity (ROE) | 8.7714% | 2,403 |
| Retained earnings to average equity (ytd only) | 8.7714% | 1,340 |
| Net charge-offs to loans | 0.2702% | 238 |
| Credit loss provision to net charge-offs | 598.9691% | 472 |
| Earnings coverage of net charge-offs (x) | 17.7216% | 1,318 |
| Efficiency ratio | 43.9557% | 4,554 |
| Assets per employee ($millions) | 98.8634% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0269% | 595 |
| Loan loss allowance to noncurrent loans | 177.0883% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 1,692 |
| Noncurrent loans to loans | 1.1446% | 779 |
| Net loans and leases to total assets | 30.2255% | 4,442 |
| Net loans and leases to deposits | 43.5281% | 4,092 |
| Net loans and leases to core deposits | 64.9868% | 2,720 |
| Total domestic deposits to total assets | 68.3617% | 4,672 |
| Equity capital to assets | 9.2402% | 2,492 |
| Core capital (leverage) ratio | 9.4237% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7326% | 1,581 |
| Memoranda: | ||
| Average total assets | $454,359,000,000 | 8 |
| Average earning assets | $394,092,500,000 | 9 |
| Average equity | $42,866,500,000 | 9 |
| Average total loans | $143,585,500,000 | 10 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7301% | 4,727 |
| Cost of funding earning assets | 0.4650% | 1,098 |
| Net interest margin | 1.2651% | 4,751 |
| Noninterest income to average assets | 1.5916% | 444 |
| Noninterest expense to average assets | 1.3166% | 4,669 |
| Loan and lease loss provision to assets | 0.1319% | 924 |
| Net operating income to assets | 0.9478% | 2,876 |
| Return on assets (ROA) | 0.9672% | 2,870 |
| Pretax return on assets | 1.2863% | 2,404 |
| Return on Equity (ROE) | 9.5977% | 2,676 |
| Retained earnings to average equity (ytd only) | -38.8003% | 4,826 |
| Net charge-offs to loans | 0.2488% | 370 |
| Credit loss provision to net charge-offs | 85.3047% | 1,916 |
| Earnings coverage of net charge-offs (x) | 17.3118% | 1,945 |
| Efficiency ratio | 48.5149% | 4,374 |
| Assets per employee ($millions) | 117.3493% | 20 |
| Cash dividends to net income (ytd only)* | 504.2661% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7628% | 926 |
| Loan loss allowance to noncurrent loans | 177.0878% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 1,950 |
| Noncurrent loans to loans | 0.9955% | 995 |
| Net loans and leases to total assets | 31.8514% | 4,452 |
| Net loans and leases to deposits | 42.9551% | 4,228 |
| Net loans and leases to core deposits | 61.1300% | 3,237 |
| Total domestic deposits to total assets | 73.2286% | 4,610 |
| Equity capital to assets | 9.6470% | 2,994 |
| Core capital (leverage) ratio | 10.3810% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6637% | 1,627 |
| Memoranda: | ||
| Average total assets | $346,579,200,000 | 12 |
| Average earning assets | $306,453,200,000 | 12 |
| Average equity | $34,925,000,000 | 10 |
| Average total loans | $112,143,400,000 | 14 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7685% | 4,803 |
| Cost of funding earning assets | 0.4864% | 1,124 |
| Net interest margin | 1.2820% | 4,833 |
| Noninterest income to average assets | 1.7316% | 422 |
| Noninterest expense to average assets | 1.4565% | 4,637 |
| Loan and lease loss provision to assets | 0.0587% | 1,817 |
| Net operating income to assets | 1.0105% | 2,864 |
| Return on assets (ROA) | 1.0380% | 2,837 |
| Pretax return on assets | 1.3801% | 2,405 |
| Return on Equity (ROE) | 10.1562% | 2,680 |
| Retained earnings to average equity (ytd only) | -57.7512% | 4,907 |
| Net charge-offs to loans | 0.2476% | 333 |
| Credit loss provision to net charge-offs | -59.4872% | 3,161 |
| Earnings coverage of net charge-offs (x) | 17.5333% | 1,810 |
| Efficiency ratio | 50.8326% | 4,138 |
| Assets per employee ($millions) | 108.2075% | 18 |
| Cash dividends to net income (ytd only)* | 668.6313% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 895 |
| Loan loss allowance to noncurrent loans | 143.0789% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 1,845 |
| Noncurrent loans to loans | 1.2713% | 866 |
| Net loans and leases to total assets | 30.8207% | 4,570 |
| Net loans and leases to deposits | 43.8655% | 4,315 |
| Net loans and leases to core deposits | 64.1600% | 3,123 |
| Total domestic deposits to total assets | 69.3337% | 4,750 |
| Equity capital to assets | 10.3781% | 2,547 |
| Core capital (leverage) ratio | 10.9005% | 1,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7217% | 2,463 |
| Memoranda: | ||
| Average total assets | $324,705,250,000 | 12 |
| Average earning assets | $285,892,750,000 | 12 |
| Average equity | $33,187,500,000 | 10 |
| Average total loans | $104,994,250,000 | 14 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7791% | 4,839 |
| Cost of funding earning assets | 0.4914% | 1,255 |
| Net interest margin | 1.2878% | 4,867 |
| Noninterest income to average assets | 1.3080% | 677 |
| Noninterest expense to average assets | 1.2172% | 4,820 |
| Loan and lease loss provision to assets | -0.0211% | 4,435 |
| Net operating income to assets | 0.9557% | 3,043 |
| Return on assets (ROA) | 0.9973% | 2,974 |
| Pretax return on assets | 1.3206% | 2,580 |
| Return on Equity (ROE) | 9.8220% | 2,818 |
| Retained earnings to average equity (ytd only) | 9.8220% | 1,455 |
| Net charge-offs to loans | 0.3036% | 285 |
| Credit loss provision to net charge-offs | -167.5497% | 3,167 |
| Earnings coverage of net charge-offs (x) | 12.5430% | 1,719 |
| Efficiency ratio | 49.2386% | 4,295 |
| Assets per employee ($millions) | 143.3904% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0031% | 603 |
| Loan loss allowance to noncurrent loans | 113.1944% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 1,553 |
| Noncurrent loans to loans | 1.7696% | 591 |
| Net loans and leases to total assets | 29.5213% | 4,662 |
| Net loans and leases to deposits | 36.7381% | 4,616 |
| Net loans and leases to core deposits | 51.2556% | 4,173 |
| Total domestic deposits to total assets | 80.3561% | 4,179 |
| Equity capital to assets | 9.1117% | 3,698 |
| Core capital (leverage) ratio | 10.6480% | 1,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1117% | 2,676 |
| Memoranda: | ||
| Average total assets | $303,812,666,667 | 13 |
| Average earning assets | $272,717,666,667 | 12 |
| Average equity | $30,849,000,000 | 10 |
| Average total loans | $99,457,000,000 | 15 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8804% | 4,863 |
| Cost of funding earning assets | 0.5638% | 1,034 |
| Net interest margin | 1.3166% | 4,895 |
| Noninterest income to average assets | 1.6378% | 527 |
| Noninterest expense to average assets | 1.3836% | 4,753 |
| Loan and lease loss provision to assets | -0.1428% | 4,769 |
| Net operating income to assets | 1.1754% | 2,249 |
| Return on assets (ROA) | 1.2622% | 2,017 |
| Pretax return on assets | 1.6906% | 1,513 |
| Return on Equity (ROE) | 11.6796% | 2,134 |
| Retained earnings to average equity (ytd only) | 11.6796% | 1,234 |
| Net charge-offs to loans | 0.3614% | 235 |
| Credit loss provision to net charge-offs | -275.8621% | 3,036 |
| Earnings coverage of net charge-offs (x) | 11.5747% | 1,447 |
| Efficiency ratio | 48.7348% | 4,281 |
| Assets per employee ($millions) | 116.8987% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2174% | 413 |
| Loan loss allowance to noncurrent loans | 94.8596% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.8076% | 1,103 |
| Noncurrent loans to loans | 2.3376% | 414 |
| Net loans and leases to total assets | 33.5517% | 4,591 |
| Net loans and leases to deposits | 42.8916% | 4,466 |
| Net loans and leases to core deposits | 61.9502% | 3,573 |
| Total domestic deposits to total assets | 78.2245% | 4,414 |
| Equity capital to assets | 10.5778% | 2,188 |
| Core capital (leverage) ratio | 10.9850% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9711% | 2,678 |
| Memoranda: | ||
| Average total assets | $280,137,500,000 | 13 |
| Average earning assets | $251,862,000,000 | 13 |
| Average equity | $30,275,000,000 | 10 |
| Average total loans | $96,292,000,000 | 16 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2977% | 4,880 |
| Cost of funding earning assets | 1.0453% | 502 |
| Net interest margin | 1.2524% | 4,940 |
| Noninterest income to average assets | 0.9957% | 1,047 |
| Noninterest expense to average assets | 0.9835% | 4,933 |
| Loan and lease loss provision to assets | 0.6970% | 233 |
| Net operating income to assets | 0.3443% | 4,365 |
| Return on assets (ROA) | 0.3439% | 4,431 |
| Pretax return on assets | 0.4344% | 4,369 |
| Return on Equity (ROE) | 3.0561% | 4,364 |
| Retained earnings to average equity (ytd only) | 3.0561% | 3,323 |
| Net charge-offs to loans | 0.7270% | 200 |
| Credit loss provision to net charge-offs | 270.1031% | 1,845 |
| Earnings coverage of net charge-offs (x) | 4.3859% | 2,993 |
| Efficiency ratio | 46.4607% | 4,694 |
| Assets per employee ($millions) | 112.6252% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6970% | 206 |
| Loan loss allowance to noncurrent loans | 101.3660% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9192% | 1,069 |
| Noncurrent loans to loans | 2.6606% | 363 |
| Net loans and leases to total assets | 33.5087% | 4,663 |
| Net loans and leases to deposits | 41.8881% | 4,599 |
| Net loans and leases to core deposits | 61.6113% | 3,853 |
| Total domestic deposits to total assets | 79.9957% | 4,043 |
| Equity capital to assets | 11.0509% | 2,208 |
| Core capital (leverage) ratio | 10.7993% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8807% | 2,288 |
| Memoranda: | ||
| Average total assets | $263,136,400,000 | 13 |
| Average earning assets | $235,236,800,000 | 13 |
| Average equity | $29,613,000,000 | 10 |
| Average total loans | $93,399,800,000 | 17 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4384% | 4,912 |
| Cost of funding earning assets | 1.1940% | 383 |
| Net interest margin | 1.2444% | 4,986 |
| Noninterest income to average assets | 1.1897% | 754 |
| Noninterest expense to average assets | 1.0794% | 4,958 |
| Loan and lease loss provision to assets | 0.7826% | 235 |
| Net operating income to assets | 0.3453% | 4,367 |
| Return on assets (ROA) | 0.3448% | 4,425 |
| Pretax return on assets | 0.4373% | 4,392 |
| Return on Equity (ROE) | 3.0496% | 4,379 |
| Retained earnings to average equity (ytd only) | 3.0496% | 3,502 |
| Net charge-offs to loans | 0.7612% | 180 |
| Credit loss provision to net charge-offs | 287.4296% | 1,804 |
| Earnings coverage of net charge-offs (x) | 4.4822% | 2,817 |
| Efficiency ratio | 46.8903% | 4,670 |
| Assets per employee ($millions) | 116.1969% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6671% | 195 |
| Loan loss allowance to noncurrent loans | 109.8886% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 1,482 |
| Noncurrent loans to loans | 2.4271% | 439 |
| Net loans and leases to total assets | 31.0787% | 4,799 |
| Net loans and leases to deposits | 39.4838% | 4,764 |
| Net loans and leases to core deposits | 59.8285% | 4,215 |
| Total domestic deposits to total assets | 78.7125% | 4,101 |
| Equity capital to assets | 10.7367% | 2,597 |
| Core capital (leverage) ratio | 10.5640% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8447% | 1,879 |
| Memoranda: | ||
| Average total assets | $261,007,500,000 | 13 |
| Average earning assets | $232,820,750,000 | 13 |
| Average equity | $29,511,250,000 | 10 |
| Average total loans | $93,362,250,000 | 17 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7282% | 4,931 |
| Cost of funding earning assets | 1.4174% | 216 |
| Net interest margin | 1.3108% | 5,025 |
| Noninterest income to average assets | 1.3166% | 594 |
| Noninterest expense to average assets | 1.1184% | 4,989 |
| Loan and lease loss provision to assets | 1.2140% | 136 |
| Net operating income to assets | 0.1284% | 4,654 |
| Return on assets (ROA) | 0.1277% | 4,686 |
| Pretax return on assets | 0.1496% | 4,681 |
| Return on Equity (ROE) | 1.1088% | 4,672 |
| Retained earnings to average equity (ytd only) | 1.1088% | 4,074 |
| Net charge-offs to loans | 0.7948% | 196 |
| Credit loss provision to net charge-offs | 411.1406% | 1,383 |
| Earnings coverage of net charge-offs (x) | 4.6207% | 2,580 |
| Efficiency ratio | 44.9842% | 4,774 |
| Assets per employee ($millions) | 122.2245% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6787% | 184 |
| Loan loss allowance to noncurrent loans | 109.9524% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8228% | 1,503 |
| Noncurrent loans to loans | 2.4362% | 491 |
| Net loans and leases to total assets | 32.6693% | 4,812 |
| Net loans and leases to deposits | 41.8238% | 4,750 |
| Net loans and leases to core deposits | 68.7151% | 3,814 |
| Total domestic deposits to total assets | 78.1119% | 4,178 |
| Equity capital to assets | 10.3874% | 2,849 |
| Core capital (leverage) ratio | 10.6565% | 2,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5561% | 2,376 |
| Memoranda: | ||
| Average total assets | $255,362,333,333 | 13 |
| Average earning assets | $227,183,333,333 | 13 |
| Average equity | $29,401,000,000 | 10 |
| Average total loans | $94,860,666,667 | 16 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3302% | 4,792 |
| Cost of funding earning assets | 1.8171% | 78 |
| Net interest margin | 1.5130% | 5,075 |
| Noninterest income to average assets | 1.3319% | 502 |
| Noninterest expense to average assets | 1.0656% | 5,052 |
| Loan and lease loss provision to assets | 1.0374% | 203 |
| Net operating income to assets | 0.4434% | 4,041 |
| Return on assets (ROA) | 0.4434% | 4,084 |
| Pretax return on assets | 0.5708% | 3,976 |
| Return on Equity (ROE) | 3.6432% | 4,054 |
| Retained earnings to average equity (ytd only) | 3.6432% | 2,824 |
| Net charge-offs to loans | 0.4385% | 333 |
| Credit loss provision to net charge-offs | 602.8846% | 789 |
| Earnings coverage of net charge-offs (x) | 9.3462% | 1,824 |
| Efficiency ratio | 39.7896% | 4,980 |
| Assets per employee ($millions) | 110.1029% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 712 |
| Loan loss allowance to noncurrent loans | 208.0308% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3624% | 2,993 |
| Noncurrent loans to loans | 0.8629% | 1,889 |
| Net loans and leases to total assets | 40.6239% | 4,643 |
| Net loans and leases to deposits | 57.4070% | 4,304 |
| Net loans and leases to core deposits | 99.1794% | 1,536 |
| Total domestic deposits to total assets | 70.7647% | 4,827 |
| Equity capital to assets | 11.5908% | 2,364 |
| Core capital (leverage) ratio | 12.2466% | 1,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0045% | 2,698 |
| Memoranda: | ||
| Average total assets | $241,752,000,000 | 13 |
| Average earning assets | $214,403,500,000 | 13 |
| Average equity | $29,425,000,000 | 10 |
| Average total loans | $94,861,500,000 | 16 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 4,048 |
| Cost of funding earning assets | 2.5360% | 7 |
| Net interest margin | 1.5606% | 5,133 |
| Noninterest income to average assets | 1.1039% | 783 |
| Noninterest expense to average assets | 1.2031% | 5,094 |
| Loan and lease loss provision to assets | 0.2874% | 596 |
| Net operating income to assets | 0.7864% | 3,595 |
| Return on assets (ROA) | 0.7859% | 3,677 |
| Pretax return on assets | 1.0120% | 3,434 |
| Return on Equity (ROE) | 5.6659% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.6659% | 2,047 |
| Net charge-offs to loans | 0.5449% | 340 |
| Credit loss provision to net charge-offs | 137.1230% | 1,880 |
| Earnings coverage of net charge-offs (x) | 6.2019% | 2,997 |
| Efficiency ratio | 47.9697% | 4,832 |
| Assets per employee ($millions) | 104.7304% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 3,874 |
| Loan loss allowance to noncurrent loans | 152.9528% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 3,532 |
| Noncurrent loans to loans | 0.6021% | 2,380 |
| Net loans and leases to total assets | 36.5323% | 4,828 |
| Net loans and leases to deposits | 49.7261% | 4,695 |
| Net loans and leases to core deposits | 85.4682% | 2,828 |
| Total domestic deposits to total assets | 73.4670% | 4,796 |
| Equity capital to assets | 12.8179% | 1,630 |
| Core capital (leverage) ratio | 13.2034% | 1,153 |
| Tier 1 risk-based capital ratio | 11.2849% | 4,742 |
| Total risk-based capital ratio | 13.3321% | 4,197 |
| Memoranda: | ||
| Average total assets | $205,628,800,000 | 13 |
| Average earning assets | $184,347,200,000 | 12 |
| Average equity | $28,521,600,000 | 10 |
| Average total loans | $79,095,600,000 | 22 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 3,689 |
| Cost of funding earning assets | 2.6773% | 5 |
| Net interest margin | 1.6106% | 5,218 |
| Noninterest income to average assets | 1.0255% | 887 |
| Noninterest expense to average assets | 1.1963% | 5,170 |
| Loan and lease loss provision to assets | 0.2822% | 532 |
| Net operating income to assets | 0.7453% | 3,863 |
| Return on assets (ROA) | 0.7446% | 3,928 |
| Pretax return on assets | 0.9828% | 3,644 |
| Return on Equity (ROE) | 5.2543% | 4,255 |
| Retained earnings to average equity (ytd only) | 5.2543% | 2,752 |
| Net charge-offs to loans | 0.5040% | 338 |
| Credit loss provision to net charge-offs | 143.8776% | 1,690 |
| Earnings coverage of net charge-offs (x) | 6.4524% | 2,836 |
| Efficiency ratio | 48.4824% | 4,825 |
| Assets per employee ($millions) | 99.5914% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 3,914 |
| Loan loss allowance to noncurrent loans | 148.9022% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 3,580 |
| Noncurrent loans to loans | 0.6262% | 2,406 |
| Net loans and leases to total assets | 37.4185% | 4,883 |
| Net loans and leases to deposits | 52.9217% | 4,674 |
| Net loans and leases to core deposits | 95.8394% | 2,016 |
| Total domestic deposits to total assets | 70.7054% | 4,967 |
| Equity capital to assets | 13.6335% | 1,298 |
| Core capital (leverage) ratio | 13.7025% | 1,076 |
| Tier 1 risk-based capital ratio | 11.2280% | 4,807 |
| Total risk-based capital ratio | 13.2875% | 4,291 |
| Memoranda: | ||
| Average total assets | $199,827,000,000 | 14 |
| Average earning assets | $178,232,750,000 | 14 |
| Average equity | $28,319,000,000 | 10 |
| Average total loans | $77,775,500,000 | 24 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2564% | 3,771 |
| Cost of funding earning assets | 2.5868% | 6 |
| Net interest margin | 1.6695% | 5,269 |
| Noninterest income to average assets | 1.0489% | 786 |
| Noninterest expense to average assets | 1.1357% | 5,238 |
| Loan and lease loss provision to assets | 0.3197% | 419 |
| Net operating income to assets | 0.8181% | 3,593 |
| Return on assets (ROA) | 0.8171% | 3,650 |
| Pretax return on assets | 1.0795% | 3,291 |
| Return on Equity (ROE) | 5.6875% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.6875% | 2,426 |
| Net charge-offs to loans | 0.5452% | 288 |
| Credit loss provision to net charge-offs | 149.0476% | 1,500 |
| Earnings coverage of net charge-offs (x) | 6.5286% | 2,558 |
| Efficiency ratio | 44.7040% | 5,039 |
| Assets per employee ($millions) | 103.6251% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 3,977 |
| Loan loss allowance to noncurrent loans | 233.7662% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 3,954 |
| Noncurrent loans to loans | 0.3962% | 3,110 |
| Net loans and leases to total assets | 38.4898% | 4,894 |
| Net loans and leases to deposits | 55.0207% | 4,632 |
| Net loans and leases to core deposits | 99.1657% | 1,794 |
| Total domestic deposits to total assets | 69.9550% | 5,049 |
| Equity capital to assets | 14.2694% | 1,022 |
| Core capital (leverage) ratio | 14.4015% | 851 |
| Tier 1 risk-based capital ratio | 11.2566% | 4,804 |
| Total risk-based capital ratio | 13.3168% | 4,267 |
| Memoranda: | ||
| Average total assets | $195,825,666,670 | 14 |
| Average earning assets | $174,421,333,330 | 14 |
| Average equity | $28,132,000,000 | 10 |
| Average total loans | $77,030,666,670 | 24 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 3,892 |
| Cost of funding earning assets | 2.5585% | 7 |
| Net interest margin | 1.6346% | 5,340 |
| Noninterest income to average assets | 1.1895% | 573 |
| Noninterest expense to average assets | 1.0966% | 5,307 |
| Loan and lease loss provision to assets | 0.4234% | 272 |
| Net operating income to assets | 0.8529% | 3,439 |
| Return on assets (ROA) | 0.8529% | 3,482 |
| Pretax return on assets | 1.1276% | 3,057 |
| Return on Equity (ROE) | 5.9166% | 4,048 |
| Retained earnings to average equity (ytd only) | 5.9166% | 2,486 |
| Net charge-offs to loans | 0.6730% | 224 |
| Credit loss provision to net charge-offs | 158.9147% | 1,195 |
| Earnings coverage of net charge-offs (x) | 5.8217% | 2,237 |
| Efficiency ratio | 41.3417% | 5,178 |
| Assets per employee ($millions) | 102.4372% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 4,143 |
| Loan loss allowance to noncurrent loans | 239.7924% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 4,004 |
| Noncurrent loans to loans | 0.3765% | 3,235 |
| Net loans and leases to total assets | 38.8354% | 4,927 |
| Net loans and leases to deposits | 52.4345% | 4,736 |
| Net loans and leases to core deposits | 95.1727% | 2,006 |
| Total domestic deposits to total assets | 74.0646% | 4,929 |
| Equity capital to assets | 14.3597% | 917 |
| Core capital (leverage) ratio | 14.2186% | 893 |
| Tier 1 risk-based capital ratio | 11.3572% | 4,805 |
| Total risk-based capital ratio | 13.4533% | 4,222 |
| Memoranda: | ||
| Average total assets | $193,688,500,000 | 14 |
| Average earning assets | $172,759,500,000 | 14 |
| Average equity | $27,921,500,000 | 11 |
| Average total loans | $76,677,000,000 | 24 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7122% | 4,651 |
| Cost of funding earning assets | 1.9576% | 15 |
| Net interest margin | 1.7545% | 5,361 |
| Noninterest income to average assets | 1.3844% | 475 |
| Noninterest expense to average assets | 1.1419% | 5,329 |
| Loan and lease loss provision to assets | 0.2572% | 663 |
| Net operating income to assets | 1.2059% | 2,142 |
| Return on assets (ROA) | 1.2058% | 2,135 |
| Pretax return on assets | 1.5382% | 1,659 |
| Return on Equity (ROE) | 8.0215% | 3,431 |
| Retained earnings to average equity (ytd only) | 8.0215% | 1,226 |
| Net charge-offs to loans | 0.2814% | 687 |
| Credit loss provision to net charge-offs | 236.9792% | 1,246 |
| Earnings coverage of net charge-offs (x) | 16.5417% | 2,243 |
| Efficiency ratio | 38.7798% | 5,298 |
| Assets per employee ($millions) | 106.1036% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 4,518 |
| Loan loss allowance to noncurrent loans | 150.4878% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 3,691 |
| Noncurrent loans to loans | 0.5353% | 2,667 |
| Net loans and leases to total assets | 39.6732% | 4,960 |
| Net loans and leases to deposits | 55.2738% | 4,693 |
| Net loans and leases to core deposits | 103.9668% | 1,418 |
| Total domestic deposits to total assets | 71.7759% | 5,086 |
| Equity capital to assets | 14.4729% | 848 |
| Core capital (leverage) ratio | 14.5632% | 781 |
| Tier 1 risk-based capital ratio | 11.0595% | 4,948 |
| Total risk-based capital ratio | 13.1005% | 4,409 |
| Memoranda: | ||
| Average total assets | $176,899,800,000 | 14 |
| Average earning assets | $156,566,600,000 | 15 |
| Average equity | $26,591,000,000 | 12 |
| Average total loans | $68,226,600,000 | 26 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5452% | 4,883 |
| Cost of funding earning assets | 1.8277% | 14 |
| Net interest margin | 1.7175% | 5,432 |
| Noninterest income to average assets | 1.3891% | 494 |
| Noninterest expense to average assets | 1.1559% | 5,400 |
| Loan and lease loss provision to assets | 0.2193% | 760 |
| Net operating income to assets | 1.1777% | 2,330 |
| Return on assets (ROA) | 1.1775% | 2,335 |
| Pretax return on assets | 1.5369% | 1,780 |
| Return on Equity (ROE) | 7.7537% | 3,644 |
| Retained earnings to average equity (ytd only) | 7.7537% | 1,769 |
| Net charge-offs to loans | 0.2419% | 703 |
| Credit loss provision to net charge-offs | 237.5000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 19.0167% | 2,026 |
| Efficiency ratio | 39.5877% | 5,343 |
| Assets per employee ($millions) | 101.8432% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7252% | 4,823 |
| Loan loss allowance to noncurrent loans | 98.4820% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 3,451 |
| Noncurrent loans to loans | 0.7364% | 2,239 |
| Net loans and leases to total assets | 39.6381% | 5,035 |
| Net loans and leases to deposits | 54.5486% | 4,805 |
| Net loans and leases to core deposits | 102.3628% | 1,577 |
| Total domestic deposits to total assets | 72.6658% | 5,085 |
| Equity capital to assets | 15.0817% | 697 |
| Core capital (leverage) ratio | 14.9999% | 705 |
| Tier 1 risk-based capital ratio | 11.1581% | 4,963 |
| Total risk-based capital ratio | 13.2223% | 4,400 |
| Memoranda: | ||
| Average total assets | $173,245,500,000 | 15 |
| Average earning assets | $153,631,500,000 | 15 |
| Average equity | $26,309,250,000 | 12 |
| Average total loans | $66,133,750,000 | 26 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4305% | 5,002 |
| Cost of funding earning assets | 1.6882% | 20 |
| Net interest margin | 1.7423% | 5,496 |
| Noninterest income to average assets | 1.4108% | 472 |
| Noninterest expense to average assets | 1.1971% | 5,457 |
| Loan and lease loss provision to assets | 0.1647% | 1,120 |
| Net operating income to assets | 1.2219% | 2,089 |
| Return on assets (ROA) | 1.2216% | 2,090 |
| Pretax return on assets | 1.5907% | 1,530 |
| Return on Equity (ROE) | 8.0252% | 3,498 |
| Retained earnings to average equity (ytd only) | 8.0252% | 1,621 |
| Net charge-offs to loans | 0.2581% | 621 |
| Credit loss provision to net charge-offs | 169.8795% | 1,455 |
| Earnings coverage of net charge-offs (x) | 18.1084% | 1,919 |
| Efficiency ratio | 40.4668% | 5,392 |
| Assets per employee ($millions) | 110.5031% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5908% | 5,117 |
| Loan loss allowance to noncurrent loans | 105.1020% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 3,834 |
| Noncurrent loans to loans | 0.5621% | 2,734 |
| Net loans and leases to total assets | 39.0656% | 5,091 |
| Net loans and leases to deposits | 54.2969% | 4,834 |
| Net loans and leases to core deposits | 104.4395% | 1,361 |
| Total domestic deposits to total assets | 71.9482% | 5,190 |
| Equity capital to assets | 14.9711% | 690 |
| Core capital (leverage) ratio | 15.0959% | 649 |
| Tier 1 risk-based capital ratio | 10.9348% | 5,089 |
| Total risk-based capital ratio | 12.9592% | 4,556 |
| Memoranda: | ||
| Average total assets | $171,246,000,000 | 15 |
| Average earning assets | $151,525,000,000 | 15 |
| Average equity | $26,068,000,000 | 12 |
| Average total loans | $64,322,333,330 | 27 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3367% | 5,087 |
| Cost of funding earning assets | 1.5763% | 29 |
| Net interest margin | 1.7605% | 5,560 |
| Noninterest income to average assets | 1.5321% | 415 |
| Noninterest expense to average assets | 1.1419% | 5,535 |
| Loan and lease loss provision to assets | 0.1356% | 1,392 |
| Net operating income to assets | 1.3661% | 1,435 |
| Return on assets (ROA) | 1.3679% | 1,444 |
| Pretax return on assets | 1.8033% | 907 |
| Return on Equity (ROE) | 8.9087% | 2,951 |
| Retained earnings to average equity (ytd only) | 8.9087% | 1,488 |
| Net charge-offs to loans | 0.2986% | 509 |
| Credit loss provision to net charge-offs | 123.9130% | 1,363 |
| Earnings coverage of net charge-offs (x) | 17.6957% | 1,569 |
| Efficiency ratio | 37.0170% | 5,503 |
| Assets per employee ($millions) | 107.8712% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5722% | 5,234 |
| Loan loss allowance to noncurrent loans | 107.9882% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 4,040 |
| Noncurrent loans to loans | 0.5298% | 2,933 |
| Net loans and leases to total assets | 36.9339% | 5,176 |
| Net loans and leases to deposits | 51.1046% | 4,921 |
| Net loans and leases to core deposits | 96.4787% | 1,943 |
| Total domestic deposits to total assets | 72.2712% | 5,269 |
| Equity capital to assets | 15.1918% | 625 |
| Core capital (leverage) ratio | 14.5950% | 743 |
| Tier 1 risk-based capital ratio | 10.8841% | 5,196 |
| Total risk-based capital ratio | 12.9038% | 4,664 |
| Memoranda: | ||
| Average total assets | $168,135,000,000 | 15 |
| Average earning assets | $147,689,000,000 | 15 |
| Average equity | $25,817,500,000 | 12 |
| Average total loans | $61,613,000,000 | 27 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6807% | 5,503 |
| Cost of funding earning assets | 1.2721% | 55 |
| Net interest margin | 1.4086% | 5,620 |
| Noninterest income to average assets | 1.3581% | 569 |
| Noninterest expense to average assets | 0.9081% | 5,627 |
| Loan and lease loss provision to assets | 0.1882% | 1,118 |
| Net operating income to assets | 0.8974% | 2,727 |
| Return on assets (ROA) | 0.8961% | 2,760 |
| Pretax return on assets | 1.4905% | 1,682 |
| Return on Equity (ROE) | 5.6500% | 3,893 |
| Retained earnings to average equity (ytd only) | 3.6521% | 3,063 |
| Net charge-offs to loans | 0.3101% | 821 |
| Credit loss provision to net charge-offs | 183.3333% | 1,480 |
| Earnings coverage of net charge-offs (x) | 16.3642% | 2,185 |
| Efficiency ratio | 34.9412% | 5,593 |
| Assets per employee ($millions) | 133.1222% | 12 |
| Cash dividends to net income (ytd only)* | 35.3607% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5956% | 5,255 |
| Loan loss allowance to noncurrent loans | 120.8191% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 4,174 |
| Noncurrent loans to loans | 0.4930% | 3,044 |
| Net loans and leases to total assets | 35.9064% | 5,289 |
| Net loans and leases to deposits | 51.0724% | 5,021 |
| Net loans and leases to core deposits | 97.7838% | 1,872 |
| Total domestic deposits to total assets | 70.3049% | 5,395 |
| Equity capital to assets | 15.5258% | 582 |
| Core capital (leverage) ratio | 15.0099% | 617 |
| Tier 1 risk-based capital ratio | 11.0295% | 5,129 |
| Total risk-based capital ratio | 12.1380% | 5,102 |
| Memoranda: | ||
| Average total assets | $157,796,600,000 | 15 |
| Average earning assets | $137,800,200,000 | 15 |
| Average equity | $25,026,400,000 | 12 |
| Average total loans | $52,246,600,000 | 28 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5851% | 5,595 |
| Cost of funding earning assets | 1.2435% | 56 |
| Net interest margin | 1.3416% | 5,698 |
| Noninterest income to average assets | 1.2640% | 657 |
| Noninterest expense to average assets | 0.9053% | 5,691 |
| Loan and lease loss provision to assets | 0.1016% | 2,081 |
| Net operating income to assets | 0.9284% | 2,886 |
| Return on assets (ROA) | 0.9275% | 2,949 |
| Pretax return on assets | 1.4246% | 2,043 |
| Return on Equity (ROE) | 5.8159% | 4,203 |
| Retained earnings to average equity (ytd only) | 3.1382% | 4,041 |
| Net charge-offs to loans | 0.0581% | 2,295 |
| Credit loss provision to net charge-offs | 540.9091% | 584 |
| Earnings coverage of net charge-offs (x) | 81.2727% | 801 |
| Efficiency ratio | 37.0787% | 5,627 |
| Assets per employee ($millions) | 141.1555% | 11 |
| Cash dividends to net income (ytd only)* | 46.0405% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5658% | 5,384 |
| Loan loss allowance to noncurrent loans | 100.9585% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 4,224 |
| Noncurrent loans to loans | 0.5604% | 3,017 |
| Net loans and leases to total assets | 35.1579% | 5,378 |
| Net loans and leases to deposits | 51.2066% | 5,083 |
| Net loans and leases to core deposits | 98.0629% | 1,877 |
| Total domestic deposits to total assets | 68.6590% | 5,516 |
| Equity capital to assets | 15.9503% | 552 |
| Core capital (leverage) ratio | 15.9612% | 497 |
| Tier 1 risk-based capital ratio | 11.5540% | 4,924 |
| Total risk-based capital ratio | 12.7065% | 4,875 |
| Memoranda: | ||
| Average total assets | $156,111,000,000 | 15 |
| Average earning assets | $135,953,000,000 | 15 |
| Average equity | $24,896,500,000 | 12 |
| Average total loans | $50,449,750,000 | 29 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4491% | 5,673 |
| Cost of funding earning assets | 1.1930% | 62 |
| Net interest margin | 1.2561% | 5,757 |
| Noninterest income to average assets | 1.3505% | 582 |
| Noninterest expense to average assets | 0.9299% | 5,743 |
| Loan and lease loss provision to assets | 0.0887% | 2,207 |
| Net operating income to assets | 0.9286% | 2,768 |
| Return on assets (ROA) | 0.9273% | 2,828 |
| Pretax return on assets | 1.4328% | 1,887 |
| Return on Equity (ROE) | 5.8151% | 4,131 |
| Retained earnings to average equity (ytd only) | 1.7824% | 4,537 |
| Net charge-offs to loans | 0.0699% | 1,939 |
| Credit loss provision to net charge-offs | 405.8824% | 779 |
| Earnings coverage of net charge-offs (x) | 69.6471% | 843 |
| Efficiency ratio | 37.7556% | 5,665 |
| Assets per employee ($millions) | 152.4385% | 11 |
| Cash dividends to net income (ytd only)* | 69.3481% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5319% | 5,482 |
| Loan loss allowance to noncurrent loans | 81.3814% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2361% | 4,204 |
| Noncurrent loans to loans | 0.6536% | 2,784 |
| Net loans and leases to total assets | 33.5130% | 5,464 |
| Net loans and leases to deposits | 47.8609% | 5,218 |
| Net loans and leases to core deposits | 92.8202% | 2,267 |
| Total domestic deposits to total assets | 70.0216% | 5,532 |
| Equity capital to assets | 16.4219% | 481 |
| Core capital (leverage) ratio | 15.6929% | 517 |
| Tier 1 risk-based capital ratio | 11.5281% | 4,936 |
| Total risk-based capital ratio | 12.6809% | 4,899 |
| Memoranda: | ||
| Average total assets | $155,497,000,000 | 15 |
| Average earning assets | $136,458,000,000 | 15 |
| Average equity | $24,797,333,330 | 11 |
| Average total loans | $48,650,000,000 | 31 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2614% | 5,774 |
| Cost of funding earning assets | 1.1738% | 65 |
| Net interest margin | 1.0877% | 5,831 |
| Noninterest income to average assets | 1.3246% | 587 |
| Noninterest expense to average assets | 0.9389% | 5,812 |
| Loan and lease loss provision to assets | 0.0279% | 3,209 |
| Net operating income to assets | 0.8475% | 3,002 |
| Return on assets (ROA) | 0.8475% | 3,046 |
| Pretax return on assets | 1.3195% | 2,168 |
| Return on Equity (ROE) | 5.3916% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.3916% | 2,671 |
| Net charge-offs to loans | 0.0926% | 1,423 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 48.2727% | 921 |
| Efficiency ratio | 40.9545% | 5,673 |
| Assets per employee ($millions) | 166.1234% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4583% | 5,632 |
| Loan loss allowance to noncurrent loans | 72.2772% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 4,394 |
| Noncurrent loans to loans | 0.6341% | 2,928 |
| Net loans and leases to total assets | 30.4612% | 5,570 |
| Net loans and leases to deposits | 42.9549% | 5,390 |
| Net loans and leases to core deposits | 82.8722% | 3,005 |
| Total domestic deposits to total assets | 70.9143% | 5,598 |
| Equity capital to assets | 15.9776% | 503 |
| Core capital (leverage) ratio | 15.4802% | 528 |
| Tier 1 risk-based capital ratio | 11.9329% | 4,762 |
| Total risk-based capital ratio | 13.0886% | 4,730 |
| Memoranda: | ||
| Average total assets | $157,636,000,000 | 15 |
| Average earning assets | $139,382,000,000 | 15 |
| Average equity | $24,779,500,000 | 11 |
| Average total loans | $47,500,500,000 | 31 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0911% | 5,834 |
| Cost of funding earning assets | 0.8924% | 312 |
| Net interest margin | 1.1987% | 5,868 |
| Noninterest income to average assets | 1.2191% | 769 |
| Noninterest expense to average assets | 0.7794% | 5,880 |
| Loan and lease loss provision to assets | 0.0357% | 3,651 |
| Net operating income to assets | 0.9639% | 2,520 |
| Return on assets (ROA) | 0.9626% | 2,632 |
| Pretax return on assets | 1.4273% | 1,827 |
| Return on Equity (ROE) | 6.0951% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.0951% | 1,659 |
| Net charge-offs to loans | 0.0498% | 3,050 |
| Credit loss provision to net charge-offs | 225.0000% | 1,274 |
| Earnings coverage of net charge-offs (x) | 92.2917% | 646 |
| Efficiency ratio | 34.5905% | 5,840 |
| Assets per employee ($millions) | 184.8037% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4638% | 5,688 |
| Loan loss allowance to noncurrent loans | 131.1377% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 4,878 |
| Noncurrent loans to loans | 0.3537% | 3,868 |
| Net loans and leases to total assets | 29.5357% | 5,650 |
| Net loans and leases to deposits | 40.9412% | 5,523 |
| Net loans and leases to core deposits | 78.8206% | 3,497 |
| Total domestic deposits to total assets | 72.1417% | 5,550 |
| Equity capital to assets | 15.4661% | 569 |
| Core capital (leverage) ratio | 14.4278% | 710 |
| Tier 1 risk-based capital ratio | 11.9888% | 4,736 |
| Total risk-based capital ratio | 13.1552% | 4,680 |
| Memoranda: | ||
| Average total assets | $151,261,800,000 | 15 |
| Average earning assets | $129,307,400,000 | 16 |
| Average equity | $23,888,000,000 | 12 |
| Average total loans | $48,229,400,000 | 30 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0844% | 5,901 |
| Cost of funding earning assets | 0.8616% | 360 |
| Net interest margin | 1.2228% | 5,937 |
| Noninterest income to average assets | 1.1931% | 813 |
| Noninterest expense to average assets | 0.7511% | 5,949 |
| Loan and lease loss provision to assets | 0.0411% | 3,416 |
| Net operating income to assets | 0.9761% | 2,540 |
| Return on assets (ROA) | 0.9743% | 2,677 |
| Pretax return on assets | 1.4360% | 1,925 |
| Return on Equity (ROE) | 6.1357% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.1357% | 2,105 |
| Net charge-offs to loans | 0.0468% | 2,708 |
| Credit loss provision to net charge-offs | 270.5882% | 1,136 |
| Earnings coverage of net charge-offs (x) | 97.4118% | 675 |
| Efficiency ratio | 33.5603% | 5,912 |
| Assets per employee ($millions) | 197.5424% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4537% | 5,764 |
| Loan loss allowance to noncurrent loans | 93.9655% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 4,827 |
| Noncurrent loans to loans | 0.4828% | 3,562 |
| Net loans and leases to total assets | 30.1908% | 5,710 |
| Net loans and leases to deposits | 42.8989% | 5,551 |
| Net loans and leases to core deposits | 90.3870% | 2,539 |
| Total domestic deposits to total assets | 70.3766% | 5,675 |
| Equity capital to assets | 15.3135% | 667 |
| Core capital (leverage) ratio | 14.9758% | 641 |
| Tier 1 risk-based capital ratio | 12.3933% | 4,542 |
| Total risk-based capital ratio | 13.6167% | 4,464 |
| Memoranda: | ||
| Average total assets | $149,298,250,000 | 15 |
| Average earning assets | $126,588,250,000 | 16 |
| Average equity | $23,707,750,000 | 13 |
| Average total loans | $48,483,000,000 | 30 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1044% | 5,985 |
| Cost of funding earning assets | 0.8502% | 377 |
| Net interest margin | 1.2543% | 6,016 |
| Noninterest income to average assets | 1.2567% | 717 |
| Noninterest expense to average assets | 0.7672% | 6,027 |
| Loan and lease loss provision to assets | 0.0875% | 2,394 |
| Net operating income to assets | 0.9750% | 2,497 |
| Return on assets (ROA) | 0.9736% | 2,648 |
| Pretax return on assets | 1.4618% | 1,802 |
| Return on Equity (ROE) | 6.0536% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.0536% | 2,090 |
| Net charge-offs to loans | 0.0699% | 2,190 |
| Credit loss provision to net charge-offs | 376.4706% | 806 |
| Earnings coverage of net charge-offs (x) | 66.7059% | 809 |
| Efficiency ratio | 32.9794% | 5,994 |
| Assets per employee ($millions) | 232.5123% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4939% | 5,802 |
| Loan loss allowance to noncurrent loans | 84.8921% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 4,810 |
| Noncurrent loans to loans | 0.5817% | 3,321 |
| Net loans and leases to total assets | 29.5962% | 5,789 |
| Net loans and leases to deposits | 41.8163% | 5,630 |
| Net loans and leases to core deposits | 91.6063% | 2,378 |
| Total domestic deposits to total assets | 70.7766% | 5,742 |
| Equity capital to assets | 14.8681% | 763 |
| Core capital (leverage) ratio | 14.7396% | 657 |
| Tier 1 risk-based capital ratio | 12.1693% | 4,716 |
| Total risk-based capital ratio | 13.4034% | 4,647 |
| Memoranda: | ||
| Average total assets | $146,254,666,670 | 16 |
| Average earning assets | $123,738,666,670 | 18 |
| Average equity | $23,523,333,330 | 13 |
| Average total loans | $48,627,666,670 | 30 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1620% | 6,040 |
| Cost of funding earning assets | 0.8308% | 422 |
| Net interest margin | 1.3313% | 6,077 |
| Noninterest income to average assets | 1.3664% | 594 |
| Noninterest expense to average assets | 0.8256% | 6,089 |
| Loan and lease loss provision to assets | 0.2244% | 838 |
| Net operating income to assets | 0.9263% | 2,614 |
| Return on assets (ROA) | 0.9234% | 2,740 |
| Pretax return on assets | 1.4383% | 1,782 |
| Return on Equity (ROE) | 5.5010% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.5010% | 2,652 |
| Net charge-offs to loans | 0.1386% | 1,283 |
| Credit loss provision to net charge-offs | 458.8235% | 648 |
| Earnings coverage of net charge-offs (x) | 34.0588% | 1,107 |
| Efficiency ratio | 33.1409% | 6,054 |
| Assets per employee ($millions) | 270.5717% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4980% | 5,867 |
| Loan loss allowance to noncurrent loans | 252.5253% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 5,318 |
| Noncurrent loans to loans | 0.1972% | 4,710 |
| Net loans and leases to total assets | 34.8298% | 5,685 |
| Net loans and leases to deposits | 53.8222% | 5,110 |
| Net loans and leases to core deposits | 136.2216% | 208 |
| Total domestic deposits to total assets | 64.7127% | 5,988 |
| Equity capital to assets | 16.3853% | 491 |
| Core capital (leverage) ratio | 15.9227% | 484 |
| Tier 1 risk-based capital ratio | 11.2797% | 5,355 |
| Total risk-based capital ratio | 12.4515% | 5,302 |
| Memoranda: | ||
| Average total assets | $139,049,000,000 | 17 |
| Average earning assets | $117,481,500,000 | 18 |
| Average equity | $23,341,000,000 | 13 |
| Average total loans | $49,048,000,000 | 30 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9490% | 6,099 |
| Cost of funding earning assets | 0.5926% | 1,417 |
| Net interest margin | 1.3564% | 6,119 |
| Noninterest income to average assets | 1.5714% | 510 |
| Noninterest expense to average assets | 0.7061% | 6,150 |
| Loan and lease loss provision to assets | 0.0420% | 3,494 |
| Net operating income to assets | 1.3353% | 1,189 |
| Return on assets (ROA) | 1.3329% | 1,232 |
| Pretax return on assets | 1.9510% | 599 |
| Return on Equity (ROE) | 7.5502% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.5502% | 1,080 |
| Net charge-offs to loans | 0.0023% | 4,395 |
| Credit loss provision to net charge-offs | 5,300.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 2,518.0000% | 10 |
| Efficiency ratio | 26.1367% | 6,153 |
| Assets per employee ($millions) | 313.9744% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3946% | 5,999 |
| Loan loss allowance to noncurrent loans | 309.8361% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 5,497 |
| Noncurrent loans to loans | 0.1274% | 4,984 |
| Net loans and leases to total assets | 35.4208% | 5,726 |
| Net loans and leases to deposits | 54.1335% | 5,158 |
| Net loans and leases to core deposits | 129.6996% | 274 |
| Total domestic deposits to total assets | 65.4323% | 6,023 |
| Equity capital to assets | 17.2130% | 386 |
| Core capital (leverage) ratio | 16.4462% | 421 |
| Tier 1 risk-based capital ratio | 11.3835% | 5,321 |
| Total risk-based capital ratio | 12.5264% | 5,285 |
| Memoranda: | ||
| Average total assets | $126,193,200,000 | 17 |
| Average earning assets | $105,132,800,000 | 19 |
| Average equity | $22,277,600,000 | 13 |
| Average total loans | $43,880,200,000 | 31 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9376% | 6,194 |
| Cost of funding earning assets | 0.5952% | 1,437 |
| Net interest margin | 1.3424% | 6,215 |
| Noninterest income to average assets | 1.7366% | 436 |
| Noninterest expense to average assets | 0.7909% | 6,231 |
| Loan and lease loss provision to assets | 0.0236% | 3,805 |
| Net operating income to assets | 1.2649% | 1,435 |
| Return on assets (ROA) | 1.2616% | 1,509 |
| Pretax return on assets | 2.0289% | 566 |
| Return on Equity (ROE) | 7.0986% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.0986% | 1,640 |
| Net charge-offs to loans | 0.0031% | 4,081 |
| Credit loss provision to net charge-offs | 2,200.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 1,913.0000% | 32 |
| Efficiency ratio | 27.7841% | 6,230 |
| Assets per employee ($millions) | 312.7574% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3342% | 6,127 |
| Loan loss allowance to noncurrent loans | 246.8750% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 5,574 |
| Noncurrent loans to loans | 0.1354% | 5,091 |
| Net loans and leases to total assets | 36.9218% | 5,753 |
| Net loans and leases to deposits | 58.3600% | 4,969 |
| Net loans and leases to core deposits | 153.0172% | 97 |
| Total domestic deposits to total assets | 63.2655% | 6,144 |
| Equity capital to assets | 17.7712% | 362 |
| Core capital (leverage) ratio | 17.1412% | 369 |
| Tier 1 risk-based capital ratio | 11.0610% | 5,628 |
| Total risk-based capital ratio | 12.1774% | 5,605 |
| Memoranda: | ||
| Average total assets | $124,067,750,000 | 17 |
| Average earning assets | $102,598,750,000 | 20 |
| Average equity | $22,050,750,000 | 13 |
| Average total loans | $42,875,500,000 | 31 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9087% | 6,270 |
| Cost of funding earning assets | 0.5589% | 1,745 |
| Net interest margin | 1.3497% | 6,291 |
| Noninterest income to average assets | 1.5949% | 507 |
| Noninterest expense to average assets | 0.8447% | 6,304 |
| Loan and lease loss provision to assets | 0.0081% | 3,948 |
| Net operating income to assets | 1.1506% | 1,782 |
| Return on assets (ROA) | 1.1474% | 1,860 |
| Pretax return on assets | 1.8472% | 821 |
| Return on Equity (ROE) | 6.4555% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.4555% | 1,972 |
| Net charge-offs to loans | 0.0048% | 3,732 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 1,142.0000% | 52 |
| Efficiency ratio | 31.2462% | 6,290 |
| Assets per employee ($millions) | 312.1654% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3164% | 6,206 |
| Loan loss allowance to noncurrent loans | 223.8095% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 5,648 |
| Noncurrent loans to loans | 0.1414% | 5,185 |
| Net loans and leases to total assets | 36.2094% | 5,809 |
| Net loans and leases to deposits | 56.8616% | 5,072 |
| Net loans and leases to core deposits | 145.6793% | 130 |
| Total domestic deposits to total assets | 63.4475% | 6,212 |
| Equity capital to assets | 18.1022% | 331 |
| Core capital (leverage) ratio | 17.0256% | 363 |
| Tier 1 risk-based capital ratio | 10.5599% | 5,897 |
| Total risk-based capital ratio | 11.6271% | 5,906 |
| Memoranda: | ||
| Average total assets | $122,888,666,670 | 17 |
| Average earning assets | $100,909,000,000 | 21 |
| Average equity | $21,842,000,000 | 13 |
| Average total loans | $41,410,000,000 | 31 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9206% | 6,342 |
| Cost of funding earning assets | 0.4931% | 2,351 |
| Net interest margin | 1.4275% | 6,354 |
| Noninterest income to average assets | 1.4245% | 579 |
| Noninterest expense to average assets | 0.8456% | 6,384 |
| Loan and lease loss provision to assets | 0.0098% | 3,595 |
| Net operating income to assets | 1.0179% | 2,178 |
| Return on assets (ROA) | 1.0147% | 2,330 |
| Pretax return on assets | 1.7334% | 984 |
| Return on Equity (ROE) | 5.7620% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.7620% | 2,626 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6223% | 6,348 |
| Assets per employee ($millions) | 323.4709% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3313% | 6,279 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 5,763 |
| Noncurrent loans to loans | 0.1325% | 5,303 |
| Net loans and leases to total assets | 32.9668% | 5,967 |
| Net loans and leases to deposits | 54.3383% | 5,169 |
| Net loans and leases to core deposits | 134.8724% | 195 |
| Total domestic deposits to total assets | 60.2625% | 6,320 |
| Equity capital to assets | 17.0735% | 414 |
| Core capital (leverage) ratio | 16.5043% | 415 |
| Tier 1 risk-based capital ratio | 10.6929% | 5,940 |
| Total risk-based capital ratio | 11.7809% | 5,940 |
| Memoranda: | ||
| Average total assets | $122,992,500,000 | 17 |
| Average earning assets | $100,592,000,000 | 20 |
| Average equity | $21,659,000,000 | 12 |
| Average total loans | $39,833,500,000 | 31 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6772% | 6,441 |
| Cost of funding earning assets | 0.4932% | 2,733 |
| Net interest margin | 1.1840% | 6,454 |
| Noninterest income to average assets | 1.9168% | 365 |
| Noninterest expense to average assets | 0.7847% | 6,472 |
| Loan and lease loss provision to assets | 0.0591% | 3,349 |
| Net operating income to assets | 1.2030% | 1,578 |
| Return on assets (ROA) | 1.2002% | 1,645 |
| Pretax return on assets | 2.0459% | 471 |
| Return on Equity (ROE) | 6.3596% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.3596% | 1,729 |
| Net charge-offs to loans | 0.0101% | 4,704 |
| Credit loss provision to net charge-offs | 2,166.6667% | 145 |
| Earnings coverage of net charge-offs (x) | 772.6667% | 55 |
| Efficiency ratio | 27.1298% | 6,475 |
| Assets per employee ($millions) | 334.8839% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3663% | 6,340 |
| Loan loss allowance to noncurrent loans | 268.6275% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 5,863 |
| Noncurrent loans to loans | 0.1363% | 5,344 |
| Net loans and leases to total assets | 31.5259% | 6,129 |
| Net loans and leases to deposits | 50.9585% | 5,535 |
| Net loans and leases to core deposits | 124.6713% | 308 |
| Total domestic deposits to total assets | 61.2279% | 6,392 |
| Equity capital to assets | 18.1899% | 302 |
| Core capital (leverage) ratio | 17.3183% | 338 |
| Tier 1 risk-based capital ratio | 14.1988% | 3,967 |
| Total risk-based capital ratio | 15.6539% | 3,769 |
| Memoranda: | ||
| Average total assets | $109,977,400,000 | 18 |
| Average earning assets | $90,628,400,000 | 21 |
| Average equity | $20,756,000,000 | 12 |
| Average total loans | $29,585,600,000 | 37 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5557% | 6,533 |
| Cost of funding earning assets | 0.4960% | 2,802 |
| Net interest margin | 1.0597% | 6,548 |
| Noninterest income to average assets | 2.0966% | 318 |
| Noninterest expense to average assets | 0.8871% | 6,542 |
| Loan and lease loss provision to assets | 0.0469% | 3,444 |
| Net operating income to assets | 1.1898% | 1,710 |
| Return on assets (ROA) | 1.1861% | 1,802 |
| Pretax return on assets | 2.0299% | 533 |
| Return on Equity (ROE) | 6.2227% | 4,123 |
| Retained earnings to average equity (ytd only) | 6.2227% | 2,266 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8918% | 6,544 |
| Assets per employee ($millions) | 323.0000% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3360% | 6,449 |
| Loan loss allowance to noncurrent loans | 198.2456% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 5,948 |
| Noncurrent loans to loans | 0.1695% | 5,402 |
| Net loans and leases to total assets | 29.9907% | 6,250 |
| Net loans and leases to deposits | 48.9549% | 5,703 |
| Net loans and leases to core deposits | 108.4938% | 824 |
| Total domestic deposits to total assets | 60.7616% | 6,481 |
| Equity capital to assets | 18.9186% | 274 |
| Core capital (leverage) ratio | 17.8977% | 307 |
| Tier 1 risk-based capital ratio | 14.9991% | 3,588 |
| Total risk-based capital ratio | 16.5555% | 3,358 |
| Memoranda: | ||
| Average total assets | $107,918,250,000 | 19 |
| Average earning assets | $88,703,500,000 | 22 |
| Average equity | $20,569,250,000 | 12 |
| Average total loans | $27,630,750,000 | 38 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5821% | 6,598 |
| Cost of funding earning assets | 0.4976% | 2,858 |
| Net interest margin | 1.0846% | 6,611 |
| Noninterest income to average assets | 2.1643% | 309 |
| Noninterest expense to average assets | 0.9528% | 6,599 |
| Loan and lease loss provision to assets | 0.0506% | 3,290 |
| Net operating income to assets | 1.2116% | 1,554 |
| Return on assets (ROA) | 1.2078% | 1,624 |
| Pretax return on assets | 2.0443% | 502 |
| Return on Equity (ROE) | 6.3205% | 3,983 |
| Retained earnings to average equity (ytd only) | 6.3205% | 2,144 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2231% | 6,599 |
| Assets per employee ($millions) | 339.1084% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3505% | 6,512 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 6,231 |
| Noncurrent loans to loans | 0.0309% | 5,966 |
| Net loans and leases to total assets | 26.4772% | 6,405 |
| Net loans and leases to deposits | 44.5799% | 5,951 |
| Net loans and leases to core deposits | 100.4781% | 1,241 |
| Total domestic deposits to total assets | 59.0047% | 6,565 |
| Equity capital to assets | 18.8940% | 268 |
| Core capital (leverage) ratio | 18.8696% | 253 |
| Tier 1 risk-based capital ratio | 14.5197% | 3,919 |
| Total risk-based capital ratio | 16.0538% | 3,697 |
| Memoranda: | ||
| Average total assets | $106,638,333,330 | 20 |
| Average earning assets | $87,224,000,000 | 22 |
| Average equity | $20,378,000,000 | 12 |
| Average total loans | $25,631,000,000 | 38 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6038% | 6,671 |
| Cost of funding earning assets | 0.4769% | 3,153 |
| Net interest margin | 1.1268% | 6,688 |
| Noninterest income to average assets | 2.1979% | 285 |
| Noninterest expense to average assets | 0.9126% | 6,689 |
| Loan and lease loss provision to assets | 0.0418% | 3,254 |
| Net operating income to assets | 1.2853% | 1,254 |
| Return on assets (ROA) | 1.2815% | 1,315 |
| Pretax return on assets | 2.1561% | 385 |
| Return on Equity (ROE) | 6.6668% | 3,651 |
| Retained earnings to average equity (ytd only) | 6.6668% | 2,204 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.3040% | 6,680 |
| Assets per employee ($millions) | 326.3769% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3448% | 6,593 |
| Loan loss allowance to noncurrent loans | 1,433.3333% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 6,322 |
| Noncurrent loans to loans | 0.0241% | 6,084 |
| Net loans and leases to total assets | 23.7231% | 6,514 |
| Net loans and leases to deposits | 38.4963% | 6,223 |
| Net loans and leases to core deposits | 81.6143% | 2,776 |
| Total domestic deposits to total assets | 61.4955% | 6,627 |
| Equity capital to assets | 19.4603% | 240 |
| Core capital (leverage) ratio | 17.5546% | 327 |
| Tier 1 risk-based capital ratio | 15.3672% | 3,514 |
| Total risk-based capital ratio | 15.4617% | 4,131 |
| Memoranda: | ||
| Average total assets | $105,191,500,000 | 20 |
| Average earning assets | $85,548,500,000 | 22 |
| Average equity | $20,219,500,000 | 12 |
| Average total loans | $23,895,000,000 | 40 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4208% | 6,752 |
| Cost of funding earning assets | 0.5461% | 3,146 |
| Net interest margin | 0.8747% | 6,770 |
| Noninterest income to average assets | 2.3022% | 321 |
| Noninterest expense to average assets | 0.8424% | 6,766 |
| Loan and lease loss provision to assets | 0.0489% | 4,152 |
| Net operating income to assets | 1.2338% | 1,440 |
| Return on assets (ROA) | 1.2312% | 1,512 |
| Pretax return on assets | 2.0807% | 406 |
| Return on Equity (ROE) | 6.9931% | 3,559 |
| Retained earnings to average equity (ytd only) | -3.1126% | 6,273 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3194% | 6,771 |
| Assets per employee ($millions) | 530.7337% | 3 |
| Cash dividends to net income (ytd only)* | 144.5087% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3282% | 6,673 |
| Loan loss allowance to noncurrent loans | 1,875.0000% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 6,434 |
| Noncurrent loans to loans | 0.0175% | 6,215 |
| Net loans and leases to total assets | 21.5640% | 6,644 |
| Net loans and leases to deposits | 35.4260% | 6,447 |
| Net loans and leases to core deposits | 77.1250% | 3,472 |
| Total domestic deposits to total assets | 60.6811% | 6,707 |
| Equity capital to assets | 18.9848% | 263 |
| Core capital (leverage) ratio | 16.9248% | 379 |
| Tier 1 risk-based capital ratio | 14.8852% | 3,729 |
| Total risk-based capital ratio | 14.9712% | 4,450 |
| Memoranda: | ||
| Average total assets | $112,415,200,000 | 18 |
| Average earning assets | $86,432,000,000 | 22 |
| Average equity | $19,790,800,000 | 11 |
| Average total loans | $17,997,400,000 | 46 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3527% | 6,840 |
| Cost of funding earning assets | 0.5577% | 3,185 |
| Net interest margin | 0.7950% | 6,856 |
| Noninterest income to average assets | 2.2713% | 343 |
| Noninterest expense to average assets | 0.8471% | 6,845 |
| Loan and lease loss provision to assets | 0.0374% | 4,261 |
| Net operating income to assets | 1.2175% | 1,577 |
| Return on assets (ROA) | 1.2139% | 1,658 |
| Pretax return on assets | 1.9863% | 592 |
| Return on Equity (ROE) | 7.0228% | 3,634 |
| Retained earnings to average equity (ytd only) | -6.4956% | 6,555 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4715% | 6,839 |
| Assets per employee ($millions) | 550.0842% | 4 |
| Cash dividends to net income (ytd only)* | 192.4928% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2604% | 6,775 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 6,533 |
| Noncurrent loans to loans | 0.0100% | 6,344 |
| Net loans and leases to total assets | 17.9270% | 6,773 |
| Net loans and leases to deposits | 30.8909% | 6,646 |
| Net loans and leases to core deposits | 73.8078% | 3,874 |
| Total domestic deposits to total assets | 58.0334% | 6,798 |
| Equity capital to assets | 17.7345% | 347 |
| Core capital (leverage) ratio | 17.5986% | 331 |
| Tier 1 risk-based capital ratio | 15.1142% | 3,673 |
| Total risk-based capital ratio | 15.1770% | 4,436 |
| Memoranda: | ||
| Average total assets | $114,115,000,000 | 18 |
| Average earning assets | $86,541,750,000 | 21 |
| Average equity | $19,725,750,000 | 12 |
| Average total loans | $16,784,250,000 | 46 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3461% | 6,889 |
| Cost of funding earning assets | 0.5556% | 3,356 |
| Net interest margin | 0.7904% | 6,905 |
| Noninterest income to average assets | 2.6026% | 303 |
| Noninterest expense to average assets | 0.8687% | 6,894 |
| Loan and lease loss provision to assets | 0.0261% | 4,398 |
| Net operating income to assets | 1.4090% | 1,060 |
| Return on assets (ROA) | 1.4056% | 1,154 |
| Pretax return on assets | 2.2951% | 348 |
| Return on Equity (ROE) | 8.1997% | 2,989 |
| Retained earnings to average equity (ytd only) | -12.0716% | 6,712 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.2035% | 6,897 |
| Assets per employee ($millions) | 576.8571% | 3 |
| Cash dividends to net income (ytd only)* | 247.2188% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2114% | 6,832 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 6,586 |
| Noncurrent loans to loans | 0.0121% | 6,396 |
| Net loans and leases to total assets | 14.6121% | 6,854 |
| Net loans and leases to deposits | 25.2676% | 6,778 |
| Net loans and leases to core deposits | 59.8067% | 5,275 |
| Total domestic deposits to total assets | 57.8292% | 6,850 |
| Equity capital to assets | 17.2256% | 400 |
| Core capital (leverage) ratio | 17.1873% | 356 |
| Tier 1 risk-based capital ratio | 15.3737% | 3,548 |
| Total risk-based capital ratio | 15.4241% | 4,268 |
| Memoranda: | ||
| Average total assets | $115,114,333,330 | 18 |
| Average earning assets | $86,027,000,000 | 21 |
| Average equity | $19,732,333,330 | 12 |
| Average total loans | $15,721,666,670 | 50 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3471% | 6,973 |
| Cost of funding earning assets | 0.5547% | 3,523 |
| Net interest margin | 0.7924% | 6,985 |
| Noninterest income to average assets | 2.5383% | 314 |
| Noninterest expense to average assets | 0.8851% | 6,971 |
| Loan and lease loss provision to assets | 0.0379% | 3,956 |
| Net operating income to assets | 1.3363% | 1,190 |
| Return on assets (ROA) | 1.3329% | 1,296 |
| Pretax return on assets | 2.1974% | 427 |
| Return on Equity (ROE) | 7.7944% | 3,079 |
| Retained earnings to average equity (ytd only) | -32.4866% | 6,908 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3352% | 6,970 |
| Assets per employee ($millions) | 577.3756% | 4 |
| Cash dividends to net income (ytd only)* | 516.7959% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1954% | 6,914 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,662 |
| Noncurrent loans to loans | 0.0063% | 6,492 |
| Net loans and leases to total assets | 13.9226% | 6,927 |
| Net loans and leases to deposits | 23.6062% | 6,866 |
| Net loans and leases to core deposits | 53.5380% | 5,706 |
| Total domestic deposits to total assets | 58.9786% | 6,923 |
| Equity capital to assets | 16.7518% | 456 |
| Core capital (leverage) ratio | 16.1418% | 435 |
| Tier 1 risk-based capital ratio | 15.9062% | 3,319 |
| Total risk-based capital ratio | 15.9528% | 4,004 |
| Memoranda: | ||
| Average total assets | $116,139,500,000 | 18 |
| Average earning assets | $85,813,500,000 | 20 |
| Average equity | $19,860,500,000 | 12 |
| Average total loans | $15,304,500,000 | 52 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4007% | 7,030 |
| Cost of funding earning assets | 0.8168% | 2,529 |
| Net interest margin | 0.5840% | 7,041 |
| Noninterest income to average assets | 2.5028% | 320 |
| Noninterest expense to average assets | 0.7803% | 7,032 |
| Loan and lease loss provision to assets | 0.0125% | 5,755 |
| Net operating income to assets | 1.3014% | 1,295 |
| Return on assets (ROA) | 1.2952% | 1,470 |
| Pretax return on assets | 2.1050% | 486 |
| Return on Equity (ROE) | 7.2575% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.2575% | 1,445 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.8698% | 7,030 |
| Assets per employee ($millions) | 491.8506% | 5 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1357% | 6,979 |
| Loan loss allowance to noncurrent loans | 500.0000% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 6,704 |
| Noncurrent loans to loans | 0.0271% | 6,453 |
| Net loans and leases to total assets | 12.4199% | 7,001 |
| Net loans and leases to deposits | 22.2437% | 6,950 |
| Net loans and leases to core deposits | 50.1294% | 6,140 |
| Total domestic deposits to total assets | 55.8354% | 6,997 |
| Equity capital to assets | 17.4352% | 373 |
| Core capital (leverage) ratio | 17.6123% | 308 |
| Tier 1 risk-based capital ratio | 18.8787% | 1,992 |
| Total risk-based capital ratio | 18.9142% | 2,362 |
| Memoranda: | ||
| Average total assets | $111,876,600,000 | 18 |
| Average earning assets | $76,888,600,000 | 23 |
| Average equity | $19,965,600,000 | 12 |
| Average total loans | $13,440,800,000 | 58 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4368% | 7,139 |
| Cost of funding earning assets | 0.8621% | 2,445 |
| Net interest margin | 0.5747% | 7,159 |
| Noninterest income to average assets | 2.5320% | 309 |
| Noninterest expense to average assets | 0.8093% | 7,140 |
| Loan and lease loss provision to assets | 0.0145% | 5,633 |
| Net operating income to assets | 1.3114% | 1,412 |
| Return on assets (ROA) | 1.3053% | 1,573 |
| Pretax return on assets | 2.0893% | 587 |
| Return on Equity (ROE) | 7.2694% | 3,653 |
| Retained earnings to average equity (ytd only) | 7.2694% | 1,963 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7248% | 7,129 |
| Assets per employee ($millions) | 425.5724% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1238% | 7,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 12.0536% | 7,104 |
| Net loans and leases to deposits | 24.4184% | 7,033 |
| Net loans and leases to core deposits | 54.7295% | 5,989 |
| Total domestic deposits to total assets | 49.3627% | 7,111 |
| Equity capital to assets | 16.8528% | 485 |
| Core capital (leverage) ratio | 17.7537% | 314 |
| Tier 1 risk-based capital ratio | 18.0062% | 2,345 |
| Total risk-based capital ratio | 18.0354% | 2,805 |
| Memoranda: | ||
| Average total assets | $110,211,750,000 | 18 |
| Average earning assets | $74,235,250,000 | 25 |
| Average equity | $19,790,250,000 | 12 |
| Average total loans | $13,115,500,000 | 60 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5136% | 7,205 |
| Cost of funding earning assets | 0.9188% | 2,266 |
| Net interest margin | 0.5948% | 7,221 |
| Noninterest income to average assets | 2.6347% | 280 |
| Noninterest expense to average assets | 0.8895% | 7,201 |
| Loan and lease loss provision to assets | 0.0187% | 5,433 |
| Net operating income to assets | 1.3221% | 1,385 |
| Return on assets (ROA) | 1.3146% | 1,555 |
| Pretax return on assets | 2.1179% | 566 |
| Return on Equity (ROE) | 7.1555% | 3,698 |
| Retained earnings to average equity (ytd only) | 7.1555% | 2,013 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.3210% | 7,181 |
| Assets per employee ($millions) | 409.6179% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1157% | 7,167 |
| Loan loss allowance to noncurrent loans | 800.0000% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 6,865 |
| Noncurrent loans to loans | 0.0145% | 6,658 |
| Net loans and leases to total assets | 12.0408% | 7,169 |
| Net loans and leases to deposits | 25.6816% | 7,071 |
| Net loans and leases to core deposits | 58.5666% | 5,729 |
| Total domestic deposits to total assets | 46.8852% | 7,186 |
| Equity capital to assets | 17.3646% | 400 |
| Core capital (leverage) ratio | 18.0575% | 287 |
| Tier 1 risk-based capital ratio | 18.3458% | 2,180 |
| Total risk-based capital ratio | 18.3669% | 2,583 |
| Memoranda: | ||
| Average total assets | $106,803,333,330 | 18 |
| Average earning assets | $71,617,000,000 | 25 |
| Average equity | $19,621,333,330 | 12 |
| Average total loans | $12,642,333,330 | 60 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4544% | 7,271 |
| Cost of funding earning assets | 0.8928% | 2,746 |
| Net interest margin | 0.5617% | 7,287 |
| Noninterest income to average assets | 3.8811% | 176 |
| Noninterest expense to average assets | 1.1628% | 7,218 |
| Loan and lease loss provision to assets | 0.0117% | 5,158 |
| Net operating income to assets | 2.0300% | 397 |
| Return on assets (ROA) | 2.0222% | 462 |
| Pretax return on assets | 3.0683% | 174 |
| Return on Equity (ROE) | 10.6809% | 2,153 |
| Retained earnings to average equity (ytd only) | 10.6809% | 1,118 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3559% | 7,247 |
| Assets per employee ($millions) | 360.1661% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0742% | 7,226 |
| Loan loss allowance to noncurrent loans | 900.0000% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 6,964 |
| Noncurrent loans to loans | 0.0082% | 6,777 |
| Net loans and leases to total assets | 11.8879% | 7,230 |
| Net loans and leases to deposits | 24.8870% | 7,136 |
| Net loans and leases to core deposits | 48.1234% | 6,453 |
| Total domestic deposits to total assets | 47.7675% | 7,246 |
| Equity capital to assets | 19.3609% | 256 |
| Core capital (leverage) ratio | 18.4918% | 266 |
| Tier 1 risk-based capital ratio | 19.0269% | 1,981 |
| Total risk-based capital ratio | 19.0384% | 2,346 |
| Memoranda: | ||
| Average total assets | $102,858,500,000 | 19 |
| Average earning assets | $67,655,500,000 | 26 |
| Average equity | $19,474,000,000 | 13 |
| Average total loans | $12,050,500,000 | 63 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5155% | 7,313 |
| Cost of funding earning assets | 1.1070% | 2,624 |
| Net interest margin | 0.4085% | 7,337 |
| Noninterest income to average assets | 3.5329% | 175 |
| Noninterest expense to average assets | 1.3858% | 7,222 |
| Loan and lease loss provision to assets | 0.0021% | 6,485 |
| Net operating income to assets | 1.4261% | 978 |
| Return on assets (ROA) | 1.4176% | 1,067 |
| Pretax return on assets | 2.3893% | 258 |
| Return on Equity (ROE) | 7.1469% | 3,334 |
| Retained earnings to average equity (ytd only) | 1.7934% | 4,932 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6059% | 7,248 |
| Assets per employee ($millions) | 351.8305% | 8 |
| Cash dividends to net income (ytd only)* | 74.9064% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0501% | 7,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 11.5319% | 7,283 |
| Net loans and leases to deposits | 26.7380% | 7,182 |
| Net loans and leases to core deposits | 47.9028% | 6,647 |
| Total domestic deposits to total assets | 43.1294% | 7,303 |
| Equity capital to assets | 18.5124% | 314 |
| Core capital (leverage) ratio | 18.4876% | 272 |
| Tier 1 risk-based capital ratio | 17.0629% | 2,573 |
| Total risk-based capital ratio | 17.0682% | 3,110 |
| Memoranda: | ||
| Average total assets | $94,171,600,000 | 20 |
| Average earning assets | $58,264,800,000 | 30 |
| Average equity | $18,679,400,000 | 12 |
| Average total loans | $6,777,400,000 | 98 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5086% | 7,388 |
| Cost of funding earning assets | 1.1444% | 2,664 |
| Net interest margin | 0.3642% | 7,417 |
| Noninterest income to average assets | 4.1553% | 149 |
| Noninterest expense to average assets | 1.6723% | 7,119 |
| Loan and lease loss provision to assets | 0.0029% | 6,378 |
| Net operating income to assets | 1.6069% | 762 |
| Return on assets (ROA) | 1.5982% | 851 |
| Pretax return on assets | 2.6966% | 180 |
| Return on Equity (ROE) | 7.9082% | 3,073 |
| Retained earnings to average equity (ytd only) | 0.7189% | 5,729 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.1758% | 7,285 |
| Assets per employee ($millions) | 351.8990% | 8 |
| Cash dividends to net income (ytd only)* | 90.9091% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0744% | 7,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 7.7100% | 7,376 |
| Net loans and leases to deposits | 19.8875% | 7,332 |
| Net loans and leases to core deposits | 33.8856% | 7,165 |
| Total domestic deposits to total assets | 38.7680% | 7,379 |
| Equity capital to assets | 18.1574% | 372 |
| Core capital (leverage) ratio | 18.9103% | 267 |
| Tier 1 risk-based capital ratio | 18.7469% | 2,009 |
| Total risk-based capital ratio | 19.7389% | 2,059 |
| Memoranda: | ||
| Average total assets | $91,767,000,000 | 19 |
| Average earning assets | $56,739,000,000 | 29 |
| Average equity | $18,545,750,000 | 12 |
| Average total loans | $5,478,000,000 | 113 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5215% | 7,465 |
| Cost of funding earning assets | 1.2039% | 2,555 |
| Net interest margin | 0.3176% | 7,492 |
| Noninterest income to average assets | 4.2094% | 159 |
| Noninterest expense to average assets | 1.9493% | 6,877 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5288% | 837 |
| Return on assets (ROA) | 1.5174% | 917 |
| Pretax return on assets | 2.4452% | 271 |
| Return on Equity (ROE) | 7.2166% | 3,340 |
| Retained earnings to average equity (ytd only) | -3.6518% | 6,439 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2427% | 7,224 |
| Assets per employee ($millions) | 48.1474% | 37 |
| Cash dividends to net income (ytd only)* | 150.6024% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0806% | 7,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 5.5813% | 7,458 |
| Net loans and leases to deposits | 15.5902% | 7,435 |
| Net loans and leases to core deposits | 29.5207% | 7,323 |
| Total domestic deposits to total assets | 35.8002% | 7,458 |
| Equity capital to assets | 20.7301% | 225 |
| Core capital (leverage) ratio | 21.4971% | 170 |
| Tier 1 risk-based capital ratio | 19.0744% | 1,820 |
| Total risk-based capital ratio | 20.1128% | 1,855 |
| Memoranda: | ||
| Average total assets | $87,518,000,000 | 21 |
| Average earning assets | $54,158,333,330 | 31 |
| Average equity | $18,402,000,000 | 13 |
| Average total loans | $4,616,000,000 | 131 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6374% | 7,522 |
| Cost of funding earning assets | 1.2355% | 2,595 |
| Net interest margin | 0.4019% | 7,551 |
| Noninterest income to average assets | 4.2827% | 152 |
| Noninterest expense to average assets | 2.3578% | 6,025 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4736% | 926 |
| Return on assets (ROA) | 1.4598% | 1,000 |
| Pretax return on assets | 2.1598% | 422 |
| Return on Equity (ROE) | 6.8930% | 3,438 |
| Retained earnings to average equity (ytd only) | -14.8515% | 7,036 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0325% | 6,851 |
| Assets per employee ($millions) | 44.5026% | 37 |
| Cash dividends to net income (ytd only)* | 315.4574% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0886% | 7,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 5.3552% | 7,519 |
| Net loans and leases to deposits | 13.9680% | 7,498 |
| Net loans and leases to core deposits | 25.3443% | 7,421 |
| Total domestic deposits to total assets | 38.3389% | 7,512 |
| Equity capital to assets | 21.4468% | 185 |
| Core capital (leverage) ratio | 20.4188% | 209 |
| Tier 1 risk-based capital ratio | 19.7410% | 1,641 |
| Total risk-based capital ratio | 20.8368% | 1,645 |
| Memoranda: | ||
| Average total assets | $86,861,000,000 | 22 |
| Average earning assets | $53,744,000,000 | 32 |
| Average equity | $18,395,500,000 | 13 |
| Average total loans | $4,443,000,000 | 137 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4120% | 7,586 |
| Cost of funding earning assets | 1.9076% | 818 |
| Net interest margin | -0.4956% | 7,652 |
| Noninterest income to average assets | 3.4055% | 202 |
| Noninterest expense to average assets | 1.3141% | 7,515 |
| Loan and lease loss provision to assets | 0.0022% | 7,033 |
| Net operating income to assets | 1.3066% | 1,153 |
| Return on assets (ROA) | 1.2979% | 1,237 |
| Pretax return on assets | 1.7861% | 786 |
| Return on Equity (ROE) | 6.6031% | 3,299 |
| Retained earnings to average equity (ytd only) | 6.6031% | 1,505 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1364% | 7,461 |
| Assets per employee ($millions) | 47.2168% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0915% | 7,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 4.8803% | 7,601 |
| Net loans and leases to deposits | 13.5238% | 7,588 |
| Net loans and leases to core deposits | 25.3997% | 7,517 |
| Total domestic deposits to total assets | 36.0868% | 7,594 |
| Equity capital to assets | 20.9253% | 212 |
| Core capital (leverage) ratio | 19.5191% | 258 |
| Tier 1 risk-based capital ratio | 18.8454% | 1,756 |
| Total risk-based capital ratio | 23.9143% | 1,065 |
| Memoranda: | ||
| Average total assets | $92,380,600,000 | 20 |
| Average earning assets | $54,886,400,000 | 31 |
| Average equity | $18,158,200,000 | 13 |
| Average total loans | $3,669,400,000 | 151 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3924% | 7,712 |
| Cost of funding earning assets | 1.5844% | 2,481 |
| Net interest margin | -0.1920% | 7,755 |
| Noninterest income to average assets | 4.0832% | 167 |
| Noninterest expense to average assets | 1.3720% | 7,605 |
| Loan and lease loss provision to assets | 0.0014% | 6,973 |
| Net operating income to assets | 1.7945% | 511 |
| Return on assets (ROA) | 1.7859% | 572 |
| Pretax return on assets | 2.5880% | 201 |
| Return on Equity (ROE) | 9.2294% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.2294% | 985 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.4877% | 7,646 |
| Assets per employee ($millions) | 50.7686% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0731% | 7,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 4.2672% | 7,704 |
| Net loans and leases to deposits | 12.9795% | 7,696 |
| Net loans and leases to core deposits | 26.6143% | 7,615 |
| Total domestic deposits to total assets | 32.8765% | 7,695 |
| Equity capital to assets | 19.3393% | 329 |
| Core capital (leverage) ratio | 19.1368% | 290 |
| Tier 1 risk-based capital ratio | 18.0781% | 2,007 |
| Total risk-based capital ratio | 22.9803% | 1,227 |
| Memoranda: | ||
| Average total assets | $93,095,000,000 | 20 |
| Average earning assets | $54,867,500,000 | 31 |
| Average equity | $18,014,500,000 | 13 |
| Average total loans | $3,493,500,000 | 156 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4225% | 7,789 |
| Cost of funding earning assets | 1.6200% | 2,547 |
| Net interest margin | -0.1975% | 7,824 |
| Noninterest income to average assets | 4.5889% | 151 |
| Noninterest expense to average assets | 1.4876% | 7,622 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.0610% | 299 |
| Return on assets (ROA) | 2.0523% | 333 |
| Pretax return on assets | 2.9753% | 129 |
| Return on Equity (ROE) | 10.6037% | 1,892 |
| Retained earnings to average equity (ytd only) | 10.6037% | 728 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2200% | 7,726 |
| Assets per employee ($millions) | 50.0340% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0554% | 7,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 3.7806% | 7,776 |
| Net loans and leases to deposits | 11.8791% | 7,765 |
| Net loans and leases to core deposits | 24.0349% | 7,705 |
| Total domestic deposits to total assets | 31.8254% | 7,766 |
| Equity capital to assets | 19.1425% | 336 |
| Core capital (leverage) ratio | 19.9863% | 248 |
| Tier 1 risk-based capital ratio | 17.4622% | 2,112 |
| Total risk-based capital ratio | 22.2759% | 1,308 |
| Memoranda: | ||
| Average total assets | $92,091,666,670 | 20 |
| Average earning assets | $54,691,333,330 | 29 |
| Average equity | $17,824,000,000 | 13 |
| Average total loans | $3,290,000,000 | 168 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4881% | 7,891 |
| Cost of funding earning assets | 1.7265% | 2,259 |
| Net interest margin | -0.2384% | 7,929 |
| Noninterest income to average assets | 5.0144% | 140 |
| Noninterest expense to average assets | 1.5313% | 7,700 |
| Loan and lease loss provision to assets | -0.0044% | 7,831 |
| Net operating income to assets | 2.3279% | 199 |
| Return on assets (ROA) | 2.3191% | 228 |
| Pretax return on assets | 3.3326% | 108 |
| Return on Equity (ROE) | 11.9132% | 1,523 |
| Retained earnings to average equity (ytd only) | 11.9132% | 756 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.3636% | 7,840 |
| Assets per employee ($millions) | 46.3075% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0327% | 7,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 3.4097% | 7,876 |
| Net loans and leases to deposits | 9.7832% | 7,871 |
| Net loans and leases to core deposits | 18.3938% | 7,829 |
| Total domestic deposits to total assets | 34.8525% | 7,865 |
| Equity capital to assets | 19.8966% | 292 |
| Core capital (leverage) ratio | 18.9380% | 312 |
| Tier 1 risk-based capital ratio | 17.4936% | 2,078 |
| Total risk-based capital ratio | 22.4310% | 1,292 |
| Memoranda: | ||
| Average total assets | $90,380,000,000 | 22 |
| Average earning assets | $55,373,500,000 | 29 |
| Average equity | $17,594,000,000 | 13 |
| Average total loans | $3,128,500,000 | 176 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8479% | 7,933 |
| Cost of funding earning assets | 1.6825% | 4,601 |
| Net interest margin | 0.1654% | 7,996 |
| Noninterest income to average assets | 4.4148% | 155 |
| Noninterest expense to average assets | 1.1645% | 7,917 |
| Loan and lease loss provision to assets | -0.0008% | 7,950 |
| Net operating income to assets | 2.8389% | 62 |
| Return on assets (ROA) | 2.8281% | 67 |
| Pretax return on assets | 3.3434% | 73 |
| Return on Equity (ROE) | 23.6972% | 113 |
| Retained earnings to average equity (ytd only) | 23.6972% | 27 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.7406% | 7,957 |
| Assets per employee ($millions) | 46.5793% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0626% | 7,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 3.5093% | 7,953 |
| Net loans and leases to deposits | 9.7595% | 7,950 |
| Net loans and leases to core deposits | 9.8322% | 7,946 |
| Total domestic deposits to total assets | 35.9574% | 7,942 |
| Equity capital to assets | 19.0428% | 359 |
| Core capital (leverage) ratio | 15.4282% | 703 |
| Tier 1 risk-based capital ratio | 14.9189% | 2,986 |
| Total risk-based capital ratio | 19.2697% | 1,850 |
| Memoranda: | ||
| Average total assets | $130,017,200,000 | 16 |
| Average earning assets | $81,011,800,000 | 21 |
| Average equity | $15,516,600,000 | 15 |
| Average total loans | $3,842,000,000 | 149 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8456% | 8,035 |
| Cost of funding earning assets | 1.6530% | 5,147 |
| Net interest margin | 0.1927% | 8,081 |
| Noninterest income to average assets | 4.2689% | 155 |
| Noninterest expense to average assets | 1.3412% | 7,944 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.6939% | 80 |
| Return on assets (ROA) | 2.6825% | 92 |
| Pretax return on assets | 3.0364% | 103 |
| Return on Equity (ROE) | 24.8908% | 110 |
| Retained earnings to average equity (ytd only) | 24.8908% | 29 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5368% | 8,007 |
| Assets per employee ($millions) | 62.0573% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0913% | 8,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 2.8581% | 8,038 |
| Net loans and leases to deposits | 9.2170% | 8,032 |
| Net loans and leases to core deposits | 9.2727% | 8,026 |
| Total domestic deposits to total assets | 31.0086% | 8,029 |
| Equity capital to assets | 14.3251% | 1,196 |
| Core capital (leverage) ratio | 13.8742% | 1,122 |
| Tier 1 risk-based capital ratio | 13.9970% | 3,556 |
| Total risk-based capital ratio | 18.2887% | 2,215 |
| Memoranda: | ||
| Average total assets | $139,767,500,000 | 14 |
| Average earning assets | $87,194,000,000 | 19 |
| Average equity | $15,062,750,000 | 15 |
| Average total loans | $4,003,500,000 | 152 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9459% | 8,128 |
| Cost of funding earning assets | 1.6372% | 5,575 |
| Net interest margin | 0.3087% | 8,152 |
| Noninterest income to average assets | 4.8829% | 136 |
| Noninterest expense to average assets | 1.3480% | 8,038 |
| Loan and lease loss provision to assets | -0.0014% | 8,134 |
| Net operating income to assets | 2.2895% | 166 |
| Return on assets (ROA) | 2.2773% | 184 |
| Pretax return on assets | 3.7159% | 59 |
| Return on Equity (ROE) | 23.0980% | 191 |
| Retained earnings to average equity (ytd only) | 23.0980% | 54 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.5371% | 8,121 |
| Assets per employee ($millions) | 64.6908% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0535% | 8,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 3.1200% | 8,130 |
| Net loans and leases to deposits | 10.5053% | 8,120 |
| Net loans and leases to core deposits | 10.5260% | 8,114 |
| Total domestic deposits to total assets | 29.6997% | 8,120 |
| Equity capital to assets | 12.8085% | 1,784 |
| Core capital (leverage) ratio | 9.7743% | 3,551 |
| Tier 1 risk-based capital ratio | 12.9276% | 4,200 |
| Total risk-based capital ratio | 17.1849% | 2,591 |
| Memoranda: | ||
| Average total assets | $148,067,333,330 | 11 |
| Average earning assets | $91,986,333,330 | 18 |
| Average equity | $14,598,666,670 | 15 |
| Average total loans | $4,242,666,670 | 150 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7562% | 8,196 |
| Cost of funding earning assets | 1.7915% | 5,154 |
| Net interest margin | -0.0353% | 8,234 |
| Noninterest income to average assets | 5.6822% | 120 |
| Noninterest expense to average assets | 0.7420% | 8,202 |
| Loan and lease loss provision to assets | -0.0025% | 8,167 |
| Net operating income to assets | 2.9952% | 66 |
| Return on assets (ROA) | 2.9804% | 81 |
| Pretax return on assets | 4.9056% | 42 |
| Return on Equity (ROE) | 33.9762% | 66 |
| Retained earnings to average equity (ytd only) | 33.9762% | 37 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.1098% | 8,203 |
| Assets per employee ($millions) | 92.1038% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0423% | 8,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 2.9258% | 8,183 |
| Net loans and leases to deposits | 9.0451% | 8,175 |
| Net loans and leases to core deposits | 9.0472% | 8,171 |
| Total domestic deposits to total assets | 32.3471% | 8,168 |
| Equity capital to assets | 9.1900% | 5,098 |
| Core capital (leverage) ratio | 9.1258% | 4,508 |
| Tier 1 risk-based capital ratio | 10.8497% | 6,041 |
| Total risk-based capital ratio | 14.5417% | 3,918 |
| Memoranda: | ||
| Average total assets | $162,262,000,000 | 10 |
| Average earning assets | $102,037,500,000 | 17 |
| Average equity | $14,233,500,000 | 16 |
| Average total loans | $4,496,000,000 | 145 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0301% | 8,255 |
| Cost of funding earning assets | 0.7833% | 8,125 |
| Net interest margin | 0.2467% | 8,285 |
| Noninterest income to average assets | -0.2005% | 8,226 |
| Noninterest expense to average assets | 0.1987% | 8,284 |
| Loan and lease loss provision to assets | 0.0012% | 7,328 |
| Net operating income to assets | -0.1533% | 6,562 |
| Return on assets (ROA) | -0.1533% | 6,409 |
| Pretax return on assets | -0.2533% | 6,415 |
| Return on Equity (ROE) | -1.8343% | 6,482 |
| Retained earnings to average equity (ytd only) | -1.9077% | 5,845 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -366.6667% | 8,297 |
| Assets per employee ($millions) | 88.8643% | 29 |
| Cash dividends to net income (ytd only)* | -4.0000% | 7,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0703% | 8,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 2.6143% | 8,237 |
| Net loans and leases to deposits | 9.4630% | 8,228 |
| Net loans and leases to core deposits | 9.4630% | 8,225 |
| Total domestic deposits to total assets | 27.6262% | 8,222 |
| Equity capital to assets | 8.3580% | 6,330 |
| Core capital (leverage) ratio | 19.6639% | 459 |
| Tier 1 risk-based capital ratio | 8.7164% | 7,943 |
| Total risk-based capital ratio | 12.0171% | 5,850 |
| Memoranda: | ||
| Average total assets | $163,066,000,000 | 10 |
| Average earning assets | $97,276,000,000 | 18 |
| Average equity | $13,629,000,000 | 16 |
| Average total loans | $4,266,000,000 | 152 |