Home > International Bank of Commerce > Performance and Condition Ratios
International Bank of Commerce, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7413% | 279 |
| Cost of funding earning assets | 1.3871% | 2,262 |
| Net interest margin | 5.3542% | 220 |
| Noninterest income to average assets | 1.3300% | 453 |
| Noninterest expense to average assets | 2.0970% | 3,408 |
| Loan and lease loss provision to assets | 0.2900% | 373 |
| Net operating income to assets | 2.8882% | 175 |
| Return on assets (ROA) | 2.8881% | 173 |
| Pretax return on assets | 3.6734% | 135 |
| Return on Equity (ROE) | 18.1000% | 804 |
| Retained earnings to average equity (ytd only) | 9.4250% | 1,148 |
| Net charge-offs to loans | 0.0387% | 1,535 |
| Credit loss provision to net charge-offs | 1,226.3798% | 344 |
| Earnings coverage of net charge-offs (x) | 166.2100% | 668 |
| Efficiency ratio | 34.5870% | 4,455 |
| Assets per employee ($millions) | 6.5687% | 2,369 |
| Cash dividends to net income (ytd only)* | 47.9179% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9539% | 412 |
| Loan loss allowance to noncurrent loans | 281.6707% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 1,129 |
| Noncurrent loans to loans | 0.6937% | 1,132 |
| Net loans and leases to total assets | 63.7300% | 2,487 |
| Net loans and leases to deposits | 90.0678% | 1,256 |
| Net loans and leases to core deposits | 98.6142% | 1,514 |
| Total domestic deposits to total assets | 70.7600% | 4,266 |
| Equity capital to assets | 17.1118% | 382 |
| Core capital (leverage) ratio | 16.3987% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7893% | 707 |
| Memoranda: | ||
| Average total assets | $8,959,967,600 | 174 |
| Average earning assets | $7,924,256,800 | 171 |
| Average equity | $1,429,979,200 | 124 |
| Average total loans | $5,519,508,200 | 191 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6741% | 256 |
| Cost of funding earning assets | 1.3152% | 2,111 |
| Net interest margin | 5.3590% | 210 |
| Noninterest income to average assets | 1.2900% | 464 |
| Noninterest expense to average assets | 2.0779% | 3,401 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 2.8661% | 193 |
| Return on assets (ROA) | 2.8661% | 193 |
| Pretax return on assets | 3.6316% | 144 |
| Return on Equity (ROE) | 18.2900% | 914 |
| Retained earnings to average equity (ytd only) | 6.5080% | 2,459 |
| Net charge-offs to loans | 0.0335% | 1,417 |
| Credit loss provision to net charge-offs | 1,546.2665% | 300 |
| Earnings coverage of net charge-offs (x) | 194.0293% | 614 |
| Efficiency ratio | 34.4936% | 4,469 |
| Assets per employee ($millions) | 6.5490% | 2,292 |
| Cash dividends to net income (ytd only)* | 64.4159% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9295% | 445 |
| Loan loss allowance to noncurrent loans | 317.3401% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 1,335 |
| Noncurrent loans to loans | 0.6080% | 1,327 |
| Net loans and leases to total assets | 62.7500% | 2,585 |
| Net loans and leases to deposits | 88.0356% | 1,385 |
| Net loans and leases to core deposits | 96.0770% | 1,547 |
| Total domestic deposits to total assets | 71.2800% | 4,285 |
| Equity capital to assets | 15.8658% | 455 |
| Core capital (leverage) ratio | 15.6006% | 546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1001% | 804 |
| Memoranda: | ||
| Average total assets | $8,955,116,500 | 175 |
| Average earning assets | $7,914,086,500 | 173 |
| Average equity | $1,403,340,500 | 128 |
| Average total loans | $5,440,271,000 | 194 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5713% | 243 |
| Cost of funding earning assets | 1.2490% | 1,854 |
| Net interest margin | 5.3223% | 204 |
| Noninterest income to average assets | 1.2600% | 413 |
| Noninterest expense to average assets | 2.0530% | 3,456 |
| Loan and lease loss provision to assets | 0.2700% | 345 |
| Net operating income to assets | 2.8728% | 166 |
| Return on assets (ROA) | 2.8728% | 164 |
| Pretax return on assets | 3.6471% | 129 |
| Return on Equity (ROE) | 18.4100% | 905 |
| Retained earnings to average equity (ytd only) | 9.8432% | 1,450 |
| Net charge-offs to loans | 0.0192% | 1,512 |
| Credit loss provision to net charge-offs | 2,366.9261% | 228 |
| Earnings coverage of net charge-offs (x) | 342.1809% | 408 |
| Efficiency ratio | 34.3823% | 4,500 |
| Assets per employee ($millions) | 6.6728% | 2,149 |
| Cash dividends to net income (ytd only)* | 46.5268% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8944% | 502 |
| Loan loss allowance to noncurrent loans | 296.5359% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 1,237 |
| Noncurrent loans to loans | 0.6388% | 1,167 |
| Net loans and leases to total assets | 58.6300% | 2,905 |
| Net loans and leases to deposits | 83.1575% | 1,748 |
| Net loans and leases to core deposits | 90.8478% | 1,744 |
| Total domestic deposits to total assets | 70.5100% | 4,341 |
| Equity capital to assets | 16.0293% | 444 |
| Core capital (leverage) ratio | 15.2571% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1655% | 704 |
| Memoranda: | ||
| Average total assets | $8,977,842,667 | 170 |
| Average earning assets | $7,942,722,667 | 170 |
| Average equity | $1,401,127,333 | 124 |
| Average total loans | $5,358,328,000 | 190 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4253% | 199 |
| Cost of funding earning assets | 1.1249% | 1,681 |
| Net interest margin | 5.3004% | 200 |
| Noninterest income to average assets | 1.2800% | 404 |
| Noninterest expense to average assets | 2.0853% | 3,413 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 2.8390% | 174 |
| Return on assets (ROA) | 2.8390% | 172 |
| Pretax return on assets | 3.6045% | 125 |
| Return on Equity (ROE) | 18.4400% | 968 |
| Retained earnings to average equity (ytd only) | 1.0793% | 3,856 |
| Net charge-offs to loans | 0.0184% | 1,315 |
| Credit loss provision to net charge-offs | 2,556.9106% | 163 |
| Earnings coverage of net charge-offs (x) | 354.4878% | 320 |
| Efficiency ratio | 34.9297% | 4,557 |
| Assets per employee ($millions) | 6.9562% | 2,007 |
| Cash dividends to net income (ytd only)* | 94.1472% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7812% | 682 |
| Loan loss allowance to noncurrent loans | 273.5546% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 1,194 |
| Noncurrent loans to loans | 0.6511% | 1,159 |
| Net loans and leases to total assets | 57.4800% | 2,911 |
| Net loans and leases to deposits | 80.5322% | 1,778 |
| Net loans and leases to core deposits | 86.7811% | 1,812 |
| Total domestic deposits to total assets | 71.3700% | 4,380 |
| Equity capital to assets | 15.1356% | 475 |
| Core capital (leverage) ratio | 14.1068% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0904% | 834 |
| Memoranda: | ||
| Average total assets | $8,979,321,000 | 177 |
| Average earning assets | $7,949,229,000 | 175 |
| Average equity | $1,382,384,000 | 128 |
| Average total loans | $5,355,565,000 | 195 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 908 |
| Cost of funding earning assets | 0.5432% | 1,142 |
| Net interest margin | 3.8404% | 1,084 |
| Noninterest income to average assets | 1.2400% | 444 |
| Noninterest expense to average assets | 1.8610% | 3,904 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 2.0273% | 284 |
| Return on assets (ROA) | 2.0273% | 273 |
| Pretax return on assets | 2.6088% | 184 |
| Return on Equity (ROE) | 13.2600% | 1,720 |
| Retained earnings to average equity (ytd only) | 1.7206% | 4,035 |
| Net charge-offs to loans | 0.0589% | 1,062 |
| Credit loss provision to net charge-offs | 543.9114% | 643 |
| Earnings coverage of net charge-offs (x) | 85.8870% | 1,051 |
| Efficiency ratio | 40.0539% | 4,536 |
| Assets per employee ($millions) | 6.7297% | 2,167 |
| Cash dividends to net income (ytd only)* | 87.0220% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6905% | 815 |
| Loan loss allowance to noncurrent loans | 250.4217% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 1,101 |
| Noncurrent loans to loans | 0.6751% | 1,109 |
| Net loans and leases to total assets | 59.8000% | 2,646 |
| Net loans and leases to deposits | 75.6528% | 2,124 |
| Net loans and leases to core deposits | 81.2590% | 2,051 |
| Total domestic deposits to total assets | 79.0400% | 4,003 |
| Equity capital to assets | 15.6684% | 412 |
| Core capital (leverage) ratio | 13.0902% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3235% | 791 |
| Memoranda: | ||
| Average total assets | $9,192,413,200 | 173 |
| Average earning assets | $8,149,991,400 | 173 |
| Average equity | $1,405,705,000 | 130 |
| Average total loans | $5,058,986,200 | 192 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 1,752 |
| Cost of funding earning assets | 0.4086% | 1,225 |
| Net interest margin | 3.3950% | 1,989 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 1.8821% | 3,790 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.7660% | 458 |
| Return on assets (ROA) | 1.7660% | 444 |
| Pretax return on assets | 2.2457% | 298 |
| Return on Equity (ROE) | 11.6200% | 2,163 |
| Retained earnings to average equity (ytd only) | -0.3721% | 4,376 |
| Net charge-offs to loans | 0.0576% | 902 |
| Credit loss provision to net charge-offs | 418.5357% | 683 |
| Earnings coverage of net charge-offs (x) | 76.7980% | 1,061 |
| Efficiency ratio | 44.2095% | 4,460 |
| Assets per employee ($millions) | 7.1837% | 1,820 |
| Cash dividends to net income (ytd only)* | 103.2030% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6799% | 907 |
| Loan loss allowance to noncurrent loans | 1,270.5167% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 2,757 |
| Noncurrent loans to loans | 0.1322% | 2,976 |
| Net loans and leases to total assets | 52.2300% | 3,256 |
| Net loans and leases to deposits | 69.9451% | 2,367 |
| Net loans and leases to core deposits | 75.4236% | 2,242 |
| Total domestic deposits to total assets | 74.6800% | 4,426 |
| Equity capital to assets | 14.3870% | 523 |
| Core capital (leverage) ratio | 12.2930% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9984% | 730 |
| Memoranda: | ||
| Average total assets | $9,303,361,250 | 170 |
| Average earning assets | $8,261,380,250 | 170 |
| Average equity | $1,414,438,000 | 132 |
| Average total loans | $4,993,380,000 | 193 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2699% | 2,835 |
| Cost of funding earning assets | 0.2901% | 1,802 |
| Net interest margin | 2.9798% | 2,940 |
| Noninterest income to average assets | 1.2101% | 469 |
| Noninterest expense to average assets | 1.8100% | 3,927 |
| Loan and lease loss provision to assets | 0.0641% | 1,454 |
| Net operating income to assets | 1.5606% | 608 |
| Return on assets (ROA) | 1.5606% | 593 |
| Pretax return on assets | 1.9835% | 396 |
| Return on Equity (ROE) | 10.0828% | 2,301 |
| Retained earnings to average equity (ytd only) | -7.6212% | 4,615 |
| Net charge-offs to loans | 0.0544% | 847 |
| Credit loss provision to net charge-offs | 218.6765% | 931 |
| Earnings coverage of net charge-offs (x) | 69.8728% | 1,006 |
| Efficiency ratio | 46.9203% | 4,399 |
| Assets per employee ($millions) | 6.9644% | 1,962 |
| Cash dividends to net income (ytd only)* | 175.5857% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 1,208 |
| Loan loss allowance to noncurrent loans | 1,029.9895% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 2,695 |
| Noncurrent loans to loans | 0.1530% | 2,927 |
| Net loans and leases to total assets | 52.8868% | 3,069 |
| Net loans and leases to deposits | 69.7694% | 2,231 |
| Net loans and leases to core deposits | 75.5503% | 2,054 |
| Total domestic deposits to total assets | 75.8023% | 4,469 |
| Equity capital to assets | 14.7666% | 429 |
| Core capital (leverage) ratio | 11.6692% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3266% | 808 |
| Memoranda: | ||
| Average total assets | $9,281,977,000 | 171 |
| Average earning assets | $8,246,544,333 | 171 |
| Average equity | $1,436,683,000 | 134 |
| Average total loans | $4,999,004,667 | 190 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0206% | 3,192 |
| Cost of funding earning assets | 0.2269% | 2,444 |
| Net interest margin | 2.7937% | 3,159 |
| Noninterest income to average assets | 1.2368% | 465 |
| Noninterest expense to average assets | 1.7761% | 4,002 |
| Loan and lease loss provision to assets | 0.0371% | 1,694 |
| Net operating income to assets | 1.5034% | 633 |
| Return on assets (ROA) | 1.5034% | 621 |
| Pretax return on assets | 1.9099% | 434 |
| Return on Equity (ROE) | 9.4957% | 2,153 |
| Retained earnings to average equity (ytd only) | -4.0898% | 4,378 |
| Net charge-offs to loans | 0.0607% | 707 |
| Credit loss provision to net charge-offs | 113.4034% | 954 |
| Earnings coverage of net charge-offs (x) | 59.4757% | 857 |
| Efficiency ratio | 47.7054% | 4,416 |
| Assets per employee ($millions) | 6.9288% | 2,039 |
| Cash dividends to net income (ytd only)* | 143.0697% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5402% | 1,426 |
| Loan loss allowance to noncurrent loans | 1,303.9545% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 2,835 |
| Noncurrent loans to loans | 0.1181% | 3,237 |
| Net loans and leases to total assets | 52.7807% | 2,909 |
| Net loans and leases to deposits | 70.9188% | 1,872 |
| Net loans and leases to core deposits | 77.0932% | 1,695 |
| Total domestic deposits to total assets | 74.4241% | 4,560 |
| Equity capital to assets | 15.3860% | 356 |
| Core capital (leverage) ratio | 12.5218% | 903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8811% | 776 |
| Memoranda: | ||
| Average total assets | $9,298,628,500 | 172 |
| Average earning assets | $8,275,475,500 | 172 |
| Average equity | $1,472,166,500 | 133 |
| Average total loans | $5,013,671,500 | 189 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1707% | 3,536 |
| Cost of funding earning assets | 0.2174% | 3,291 |
| Net interest margin | 2.9533% | 3,313 |
| Noninterest income to average assets | 1.1739% | 769 |
| Noninterest expense to average assets | 1.8867% | 3,954 |
| Loan and lease loss provision to assets | 0.0515% | 2,029 |
| Net operating income to assets | 1.4834% | 1,053 |
| Return on assets (ROA) | 1.4832% | 1,107 |
| Pretax return on assets | 1.8731% | 781 |
| Return on Equity (ROE) | 9.8852% | 2,565 |
| Retained earnings to average equity (ytd only) | 8.2902% | 1,428 |
| Net charge-offs to loans | 0.0753% | 1,034 |
| Credit loss provision to net charge-offs | 127.7804% | 1,598 |
| Earnings coverage of net charge-offs (x) | 47.7795% | 1,326 |
| Efficiency ratio | 49.5011% | 4,324 |
| Assets per employee ($millions) | 6.7332% | 2,123 |
| Cash dividends to net income (ytd only)* | 16.1355% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5226% | 1,474 |
| Loan loss allowance to noncurrent loans | 982.0172% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 2,881 |
| Noncurrent loans to loans | 0.1550% | 3,159 |
| Net loans and leases to total assets | 53.4052% | 2,920 |
| Net loans and leases to deposits | 72.4545% | 1,868 |
| Net loans and leases to core deposits | 78.8054% | 1,696 |
| Total domestic deposits to total assets | 73.7087% | 4,597 |
| Equity capital to assets | 16.2788% | 351 |
| Core capital (leverage) ratio | 11.1434% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9671% | 653 |
| Memoranda: | ||
| Average total assets | $10,445,850,400 | 154 |
| Average earning assets | $9,328,822,000 | 159 |
| Average equity | $1,567,374,400 | 132 |
| Average total loans | $5,591,064,400 | 177 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0776% | 3,859 |
| Cost of funding earning assets | 0.2120% | 3,494 |
| Net interest margin | 2.8656% | 3,623 |
| Noninterest income to average assets | 1.1434% | 872 |
| Noninterest expense to average assets | 1.8546% | 4,045 |
| Loan and lease loss provision to assets | 0.0526% | 1,935 |
| Net operating income to assets | 1.4173% | 1,485 |
| Return on assets (ROA) | 1.4172% | 1,551 |
| Pretax return on assets | 1.7955% | 1,172 |
| Return on Equity (ROE) | 9.6216% | 2,874 |
| Retained earnings to average equity (ytd only) | 7.5134% | 2,215 |
| Net charge-offs to loans | 0.0682% | 965 |
| Credit loss provision to net charge-offs | 144.5582% | 1,376 |
| Earnings coverage of net charge-offs (x) | 50.7718% | 1,234 |
| Efficiency ratio | 50.0840% | 4,216 |
| Assets per employee ($millions) | 6.7563% | 2,050 |
| Cash dividends to net income (ytd only)* | 21.9114% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,826 |
| Loan loss allowance to noncurrent loans | 1,163.2659% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 1,471 |
| Noncurrent loans to loans | 0.1245% | 3,474 |
| Net loans and leases to total assets | 51.3216% | 3,269 |
| Net loans and leases to deposits | 66.1206% | 2,621 |
| Net loans and leases to core deposits | 72.5460% | 2,373 |
| Total domestic deposits to total assets | 77.6182% | 4,454 |
| Equity capital to assets | 14.7426% | 585 |
| Core capital (leverage) ratio | 12.1497% | 1,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7668% | 853 |
| Memoranda: | ||
| Average total assets | $10,734,360,000 | 154 |
| Average earning assets | $9,588,018,750 | 154 |
| Average equity | $1,581,068,750 | 133 |
| Average total loans | $5,729,070,750 | 173 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0718% | 3,922 |
| Cost of funding earning assets | 0.2143% | 3,612 |
| Net interest margin | 2.8575% | 3,662 |
| Noninterest income to average assets | 1.0993% | 930 |
| Noninterest expense to average assets | 1.8546% | 4,067 |
| Loan and lease loss provision to assets | 0.0361% | 2,272 |
| Net operating income to assets | 1.3854% | 1,601 |
| Return on assets (ROA) | 1.3853% | 1,678 |
| Pretax return on assets | 1.7554% | 1,341 |
| Return on Equity (ROE) | 9.4082% | 2,979 |
| Retained earnings to average equity (ytd only) | 6.2131% | 2,723 |
| Net charge-offs to loans | 0.0653% | 968 |
| Credit loss provision to net charge-offs | 102.6245% | 1,344 |
| Earnings coverage of net charge-offs (x) | 50.9930% | 1,058 |
| Efficiency ratio | 50.8647% | 4,152 |
| Assets per employee ($millions) | 6.3929% | 2,238 |
| Cash dividends to net income (ytd only)* | 33.9605% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,809 |
| Loan loss allowance to noncurrent loans | 627.7990% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 1,443 |
| Noncurrent loans to loans | 0.2294% | 3,137 |
| Net loans and leases to total assets | 51.9587% | 3,344 |
| Net loans and leases to deposits | 66.8399% | 2,743 |
| Net loans and leases to core deposits | 73.0857% | 2,510 |
| Total domestic deposits to total assets | 77.7361% | 4,457 |
| Equity capital to assets | 14.7384% | 573 |
| Core capital (leverage) ratio | 11.9083% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1208% | 934 |
| Memoranda: | ||
| Average total assets | $10,628,041,667 | 152 |
| Average earning assets | $9,472,797,333 | 154 |
| Average equity | $1,564,910,667 | 132 |
| Average total loans | $5,720,064,000 | 176 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0807% | 3,927 |
| Cost of funding earning assets | 0.2173% | 3,754 |
| Net interest margin | 2.8634% | 3,610 |
| Noninterest income to average assets | 1.0536% | 1,050 |
| Noninterest expense to average assets | 1.8080% | 4,202 |
| Loan and lease loss provision to assets | 0.0348% | 2,312 |
| Net operating income to assets | 1.3881% | 1,601 |
| Return on assets (ROA) | 1.3880% | 1,683 |
| Pretax return on assets | 1.7573% | 1,384 |
| Return on Equity (ROE) | 9.4309% | 2,875 |
| Retained earnings to average equity (ytd only) | 2.9823% | 3,788 |
| Net charge-offs to loans | 0.0708% | 848 |
| Credit loss provision to net charge-offs | 90.3353% | 1,168 |
| Earnings coverage of net charge-offs (x) | 46.5602% | 924 |
| Efficiency ratio | 50.2188% | 4,169 |
| Assets per employee ($millions) | 5.9207% | 2,675 |
| Cash dividends to net income (ytd only)* | 68.3770% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,831 |
| Loan loss allowance to noncurrent loans | 858.4914% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.5454% | 1,740 |
| Noncurrent loans to loans | 0.1670% | 3,508 |
| Net loans and leases to total assets | 53.3724% | 3,303 |
| Net loans and leases to deposits | 69.2850% | 2,574 |
| Net loans and leases to core deposits | 76.1230% | 2,342 |
| Total domestic deposits to total assets | 77.0331% | 4,513 |
| Equity capital to assets | 14.7401% | 537 |
| Core capital (leverage) ratio | 12.6598% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4734% | 857 |
| Memoranda: | ||
| Average total assets | $10,536,870,500 | 152 |
| Average earning assets | $9,371,345,500 | 155 |
| Average equity | $1,550,729,000 | 133 |
| Average total loans | $5,730,581,500 | 179 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7377% | 3,477 |
| Cost of funding earning assets | 0.3213% | 4,020 |
| Net interest margin | 3.4164% | 2,726 |
| Noninterest income to average assets | 1.2376% | 733 |
| Noninterest expense to average assets | 2.1868% | 3,702 |
| Loan and lease loss provision to assets | 0.3454% | 1,009 |
| Net operating income to assets | 1.3465% | 1,132 |
| Return on assets (ROA) | 1.3465% | 1,230 |
| Pretax return on assets | 1.7175% | 827 |
| Return on Equity (ROE) | 8.4927% | 2,611 |
| Retained earnings to average equity (ytd only) | 2.2810% | 3,712 |
| Net charge-offs to loans | 0.0759% | 1,723 |
| Credit loss provision to net charge-offs | 785.9379% | 914 |
| Earnings coverage of net charge-offs (x) | 46.9407% | 1,261 |
| Efficiency ratio | 51.4570% | 4,421 |
| Assets per employee ($millions) | 5.8041% | 2,539 |
| Cash dividends to net income (ytd only)* | 73.1418% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,859 |
| Loan loss allowance to noncurrent loans | 535.6970% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5387% | 1,941 |
| Noncurrent loans to loans | 0.2666% | 3,242 |
| Net loans and leases to total assets | 53.8442% | 3,499 |
| Net loans and leases to deposits | 74.6114% | 2,419 |
| Net loans and leases to core deposits | 82.4708% | 2,158 |
| Total domestic deposits to total assets | 72.1662% | 4,704 |
| Equity capital to assets | 14.6942% | 633 |
| Core capital (leverage) ratio | 13.1087% | 870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3881% | 849 |
| Memoranda: | ||
| Average total assets | $9,595,332,800 | 153 |
| Average earning assets | $8,459,969,600 | 158 |
| Average equity | $1,521,312,600 | 131 |
| Average total loans | $5,553,189,000 | 177 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9602% | 3,086 |
| Cost of funding earning assets | 0.3542% | 4,034 |
| Net interest margin | 3.6060% | 2,254 |
| Noninterest income to average assets | 1.2539% | 693 |
| Noninterest expense to average assets | 2.3628% | 3,244 |
| Loan and lease loss provision to assets | 0.3792% | 967 |
| Net operating income to assets | 1.3241% | 1,299 |
| Return on assets (ROA) | 1.3240% | 1,384 |
| Pretax return on assets | 1.6791% | 1,007 |
| Return on Equity (ROE) | 8.1828% | 2,733 |
| Retained earnings to average equity (ytd only) | 1.1876% | 4,186 |
| Net charge-offs to loans | 0.0727% | 1,584 |
| Credit loss provision to net charge-offs | 887.2751% | 911 |
| Earnings coverage of net charge-offs (x) | 48.1612% | 1,219 |
| Efficiency ratio | 53.4425% | 4,208 |
| Assets per employee ($millions) | 5.1385% | 3,076 |
| Cash dividends to net income (ytd only)* | 85.4866% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 2,054 |
| Loan loss allowance to noncurrent loans | 891.5089% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 2,180 |
| Noncurrent loans to loans | 0.1488% | 3,788 |
| Net loans and leases to total assets | 57.2853% | 3,496 |
| Net loans and leases to deposits | 78.1725% | 2,518 |
| Net loans and leases to core deposits | 86.2742% | 2,284 |
| Total domestic deposits to total assets | 73.2806% | 4,617 |
| Equity capital to assets | 15.3756% | 559 |
| Core capital (leverage) ratio | 13.2968% | 879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0847% | 903 |
| Memoranda: | ||
| Average total assets | $9,364,902,250 | 155 |
| Average earning assets | $8,225,811,500 | 158 |
| Average equity | $1,515,292,000 | 131 |
| Average total loans | $5,505,269,750 | 176 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2524% | 2,601 |
| Cost of funding earning assets | 0.4016% | 4,028 |
| Net interest margin | 3.8508% | 1,689 |
| Noninterest income to average assets | 1.2514% | 646 |
| Noninterest expense to average assets | 2.4652% | 3,058 |
| Loan and lease loss provision to assets | 0.4447% | 865 |
| Net operating income to assets | 1.3437% | 1,239 |
| Return on assets (ROA) | 1.3436% | 1,337 |
| Pretax return on assets | 1.7059% | 989 |
| Return on Equity (ROE) | 8.1568% | 2,682 |
| Retained earnings to average equity (ytd only) | -0.7189% | 4,438 |
| Net charge-offs to loans | 0.0812% | 1,434 |
| Credit loss provision to net charge-offs | 927.2066% | 831 |
| Earnings coverage of net charge-offs (x) | 44.8412% | 1,173 |
| Efficiency ratio | 53.4065% | 4,242 |
| Assets per employee ($millions) | 4.3152% | 3,984 |
| Cash dividends to net income (ytd only)* | 108.8139% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,227 |
| Loan loss allowance to noncurrent loans | 126.6417% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 1,159 |
| Noncurrent loans to loans | 0.9915% | 1,565 |
| Net loans and leases to total assets | 57.3143% | 3,575 |
| Net loans and leases to deposits | 79.5693% | 2,477 |
| Net loans and leases to core deposits | 87.7543% | 2,271 |
| Total domestic deposits to total assets | 72.0306% | 4,708 |
| Equity capital to assets | 15.5248% | 535 |
| Core capital (leverage) ratio | 13.5912% | 853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9124% | 920 |
| Memoranda: | ||
| Average total assets | $9,165,374,333 | 157 |
| Average earning assets | $8,008,160,667 | 161 |
| Average equity | $1,509,740,333 | 132 |
| Average total loans | $5,412,238,333 | 175 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 2,311 |
| Cost of funding earning assets | 0.4898% | 3,986 |
| Net interest margin | 4.0101% | 1,366 |
| Noninterest income to average assets | 1.3548% | 487 |
| Noninterest expense to average assets | 2.6105% | 2,952 |
| Loan and lease loss provision to assets | 0.5734% | 489 |
| Net operating income to assets | 1.3011% | 1,243 |
| Return on assets (ROA) | 1.3009% | 1,336 |
| Pretax return on assets | 1.6534% | 941 |
| Return on Equity (ROE) | 7.6543% | 2,654 |
| Retained earnings to average equity (ytd only) | -10.1501% | 4,769 |
| Net charge-offs to loans | 0.1015% | 1,076 |
| Credit loss provision to net charge-offs | 947.4627% | 600 |
| Earnings coverage of net charge-offs (x) | 36.7985% | 1,067 |
| Efficiency ratio | 53.9636% | 4,400 |
| Assets per employee ($millions) | 3.8153% | 4,152 |
| Cash dividends to net income (ytd only)* | 232.6066% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,620 |
| Loan loss allowance to noncurrent loans | 121.3343% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 1.1044% | 1,180 |
| Noncurrent loans to loans | 0.9960% | 1,660 |
| Net loans and leases to total assets | 58.6325% | 3,623 |
| Net loans and leases to deposits | 81.5973% | 2,509 |
| Net loans and leases to core deposits | 90.6997% | 2,278 |
| Total domestic deposits to total assets | 71.8559% | 4,780 |
| Equity capital to assets | 16.7280% | 475 |
| Core capital (leverage) ratio | 14.2833% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1898% | 1,119 |
| Memoranda: | ||
| Average total assets | $8,856,809,000 | 158 |
| Average earning assets | $7,691,771,500 | 161 |
| Average equity | $1,505,253,500 | 134 |
| Average total loans | $5,279,321,000 | 179 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9453% | 1,623 |
| Cost of funding earning assets | 0.5297% | 3,970 |
| Net interest margin | 4.4155% | 867 |
| Noninterest income to average assets | 1.4515% | 444 |
| Noninterest expense to average assets | 2.7204% | 2,831 |
| Loan and lease loss provision to assets | 0.0882% | 2,259 |
| Net operating income to assets | 1.9300% | 408 |
| Return on assets (ROA) | 1.9299% | 424 |
| Pretax return on assets | 2.4575% | 225 |
| Return on Equity (ROE) | 11.3604% | 1,742 |
| Retained earnings to average equity (ytd only) | 4.5698% | 2,668 |
| Net charge-offs to loans | 0.1248% | 1,516 |
| Credit loss provision to net charge-offs | 119.2465% | 2,121 |
| Earnings coverage of net charge-offs (x) | 34.4381% | 1,444 |
| Efficiency ratio | 51.6577% | 4,629 |
| Assets per employee ($millions) | 3.6798% | 4,287 |
| Cash dividends to net income (ytd only)* | 59.7743% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 4,193 |
| Loan loss allowance to noncurrent loans | 72.7181% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.2359% | 929 |
| Noncurrent loans to loans | 1.1535% | 1,311 |
| Net loans and leases to total assets | 59.3708% | 3,644 |
| Net loans and leases to deposits | 82.3706% | 2,514 |
| Net loans and leases to core deposits | 91.4870% | 2,278 |
| Total domestic deposits to total assets | 72.0777% | 4,866 |
| Equity capital to assets | 17.2709% | 434 |
| Core capital (leverage) ratio | 15.2059% | 646 |
| Tier 1 risk-based capital ratio | 18.2289% | 1,706 |
| Total risk-based capital ratio | 18.9099% | 1,803 |
| Memoranda: | ||
| Average total assets | $8,581,789,400 | 156 |
| Average earning assets | $7,413,979,400 | 157 |
| Average equity | $1,457,902,400 | 131 |
| Average total loans | $5,084,933,600 | 173 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0342% | 1,456 |
| Cost of funding earning assets | 0.5396% | 3,982 |
| Net interest margin | 4.4946% | 779 |
| Noninterest income to average assets | 1.4358% | 444 |
| Noninterest expense to average assets | 2.7655% | 2,670 |
| Loan and lease loss provision to assets | 0.0980% | 1,957 |
| Net operating income to assets | 1.9262% | 463 |
| Return on assets (ROA) | 1.9261% | 483 |
| Pretax return on assets | 2.4513% | 274 |
| Return on Equity (ROE) | 11.3860% | 1,847 |
| Retained earnings to average equity (ytd only) | 2.2554% | 4,183 |
| Net charge-offs to loans | 0.1194% | 1,304 |
| Credit loss provision to net charge-offs | 138.9073% | 1,732 |
| Earnings coverage of net charge-offs (x) | 36.1449% | 1,454 |
| Efficiency ratio | 52.0326% | 4,590 |
| Assets per employee ($millions) | 3.5421% | 4,456 |
| Cash dividends to net income (ytd only)* | 80.1912% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8491% | 4,233 |
| Loan loss allowance to noncurrent loans | 604.2916% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.6441% | 2,076 |
| Noncurrent loans to loans | 0.1405% | 4,034 |
| Net loans and leases to total assets | 60.7508% | 3,617 |
| Net loans and leases to deposits | 82.5721% | 2,611 |
| Net loans and leases to core deposits | 91.5422% | 2,411 |
| Total domestic deposits to total assets | 73.5730% | 4,833 |
| Equity capital to assets | 17.1989% | 468 |
| Core capital (leverage) ratio | 14.7820% | 793 |
| Tier 1 risk-based capital ratio | 17.4415% | 1,962 |
| Total risk-based capital ratio | 18.1264% | 2,066 |
| Memoranda: | ||
| Average total assets | $8,546,020,750 | 156 |
| Average earning assets | $7,375,840,500 | 158 |
| Average equity | $1,445,661,750 | 133 |
| Average total loans | $5,050,206,500 | 176 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 1,333 |
| Cost of funding earning assets | 0.5378% | 3,941 |
| Net interest margin | 4.5184% | 741 |
| Noninterest income to average assets | 1.3759% | 461 |
| Noninterest expense to average assets | 2.7005% | 2,908 |
| Loan and lease loss provision to assets | 0.0325% | 3,184 |
| Net operating income to assets | 1.9964% | 389 |
| Return on assets (ROA) | 1.9962% | 410 |
| Pretax return on assets | 2.5400% | 224 |
| Return on Equity (ROE) | 11.8667% | 1,631 |
| Retained earnings to average equity (ytd only) | 3.5262% | 3,481 |
| Net charge-offs to loans | 0.1105% | 1,306 |
| Credit loss provision to net charge-offs | 50.4168% | 2,471 |
| Earnings coverage of net charge-offs (x) | 39.8775% | 1,247 |
| Efficiency ratio | 51.2113% | 4,709 |
| Assets per employee ($millions) | 3.5840% | 4,397 |
| Cash dividends to net income (ytd only)* | 70.2848% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 4,424 |
| Loan loss allowance to noncurrent loans | 704.9761% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.6525% | 2,085 |
| Noncurrent loans to loans | 0.1141% | 4,160 |
| Net loans and leases to total assets | 58.6824% | 3,849 |
| Net loans and leases to deposits | 82.3192% | 2,694 |
| Net loans and leases to core deposits | 91.1163% | 2,496 |
| Total domestic deposits to total assets | 71.2864% | 5,007 |
| Equity capital to assets | 16.8583% | 484 |
| Core capital (leverage) ratio | 14.7297% | 766 |
| Tier 1 risk-based capital ratio | 17.4943% | 1,940 |
| Total risk-based capital ratio | 18.1414% | 2,062 |
| Memoranda: | ||
| Average total assets | $8,552,758,670 | 154 |
| Average earning assets | $7,377,348,000 | 158 |
| Average equity | $1,438,767,330 | 134 |
| Average total loans | $4,992,324,670 | 177 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0558% | 1,203 |
| Cost of funding earning assets | 0.5387% | 3,874 |
| Net interest margin | 4.5172% | 716 |
| Noninterest income to average assets | 1.3341% | 479 |
| Noninterest expense to average assets | 2.6229% | 3,150 |
| Loan and lease loss provision to assets | 0.0131% | 3,266 |
| Net operating income to assets | 2.0352% | 363 |
| Return on assets (ROA) | 2.0351% | 380 |
| Pretax return on assets | 2.5820% | 219 |
| Return on Equity (ROE) | 12.1109% | 1,495 |
| Retained earnings to average equity (ytd only) | 9.3091% | 1,223 |
| Net charge-offs to loans | 0.1289% | 971 |
| Credit loss provision to net charge-offs | 17.5803% | 2,149 |
| Earnings coverage of net charge-offs (x) | 34.7353% | 1,243 |
| Efficiency ratio | 50.2639% | 4,806 |
| Assets per employee ($millions) | 3.5190% | 4,541 |
| Cash dividends to net income (ytd only)* | 23.1342% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8285% | 4,425 |
| Loan loss allowance to noncurrent loans | 474.4541% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7042% | 1,997 |
| Noncurrent loans to loans | 0.1746% | 3,967 |
| Net loans and leases to total assets | 57.9833% | 3,893 |
| Net loans and leases to deposits | 79.9646% | 2,842 |
| Net loans and leases to core deposits | 88.5494% | 2,637 |
| Total domestic deposits to total assets | 72.5113% | 5,021 |
| Equity capital to assets | 17.0428% | 440 |
| Core capital (leverage) ratio | 14.9633% | 704 |
| Tier 1 risk-based capital ratio | 17.8383% | 1,835 |
| Total risk-based capital ratio | 18.4937% | 1,973 |
| Memoranda: | ||
| Average total assets | $8,496,088,500 | 157 |
| Average earning assets | $7,305,382,500 | 161 |
| Average equity | $1,427,673,500 | 134 |
| Average total loans | $4,925,137,000 | 179 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6470% | 1,997 |
| Cost of funding earning assets | 0.4798% | 3,482 |
| Net interest margin | 4.1671% | 1,482 |
| Noninterest income to average assets | 1.4107% | 458 |
| Noninterest expense to average assets | 2.6329% | 3,235 |
| Loan and lease loss provision to assets | -0.0236% | 5,140 |
| Net operating income to assets | 1.9200% | 422 |
| Return on assets (ROA) | 1.9150% | 425 |
| Pretax return on assets | 2.4077% | 243 |
| Return on Equity (ROE) | 12.0943% | 1,684 |
| Retained earnings to average equity (ytd only) | 5.7946% | 2,297 |
| Net charge-offs to loans | 0.1142% | 1,607 |
| Credit loss provision to net charge-offs | -36.8788% | 4,313 |
| Earnings coverage of net charge-offs (x) | 37.3532% | 1,386 |
| Efficiency ratio | 52.4149% | 4,764 |
| Assets per employee ($millions) | 3.5495% | 4,497 |
| Cash dividends to net income (ytd only)* | 52.0878% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 4,275 |
| Loan loss allowance to noncurrent loans | 650.2061% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.6922% | 2,000 |
| Noncurrent loans to loans | 0.1346% | 4,136 |
| Net loans and leases to total assets | 56.9650% | 4,054 |
| Net loans and leases to deposits | 80.0296% | 2,952 |
| Net loans and leases to core deposits | 88.5870% | 2,697 |
| Total domestic deposits to total assets | 71.1800% | 5,115 |
| Equity capital to assets | 16.5635% | 457 |
| Core capital (leverage) ratio | 14.4534% | 814 |
| Tier 1 risk-based capital ratio | 17.2427% | 1,978 |
| Total risk-based capital ratio | 17.9121% | 2,128 |
| Memoranda: | ||
| Average total assets | $8,521,339,400 | 155 |
| Average earning assets | $7,387,276,000 | 160 |
| Average equity | $1,349,283,600 | 136 |
| Average total loans | $4,775,395,600 | 178 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 2,076 |
| Cost of funding earning assets | 0.4652% | 3,424 |
| Net interest margin | 4.1038% | 1,615 |
| Noninterest income to average assets | 1.3897% | 492 |
| Noninterest expense to average assets | 2.6490% | 3,126 |
| Loan and lease loss provision to assets | -0.0469% | 5,284 |
| Net operating income to assets | 1.8651% | 528 |
| Return on assets (ROA) | 1.8585% | 539 |
| Pretax return on assets | 2.3473% | 311 |
| Return on Equity (ROE) | 11.8729% | 1,835 |
| Retained earnings to average equity (ytd only) | 5.8847% | 2,714 |
| Net charge-offs to loans | 0.1097% | 1,390 |
| Credit loss provision to net charge-offs | -76.7204% | 4,204 |
| Earnings coverage of net charge-offs (x) | 37.8051% | 1,401 |
| Efficiency ratio | 53.4315% | 4,668 |
| Assets per employee ($millions) | 3.5528% | 4,488 |
| Cash dividends to net income (ytd only)* | 50.4363% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 4,245 |
| Loan loss allowance to noncurrent loans | 271.4537% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7953% | 1,861 |
| Noncurrent loans to loans | 0.3331% | 3,472 |
| Net loans and leases to total assets | 56.3846% | 4,179 |
| Net loans and leases to deposits | 78.3572% | 3,205 |
| Net loans and leases to core deposits | 86.7004% | 2,943 |
| Total domestic deposits to total assets | 71.9584% | 5,133 |
| Equity capital to assets | 16.0226% | 536 |
| Core capital (leverage) ratio | 14.2354% | 877 |
| Tier 1 risk-based capital ratio | 17.5860% | 1,902 |
| Total risk-based capital ratio | 18.2887% | 2,037 |
| Memoranda: | ||
| Average total assets | $8,534,414,750 | 154 |
| Average earning assets | $7,419,966,500 | 158 |
| Average equity | $1,335,912,750 | 134 |
| Average total loans | $4,752,498,000 | 177 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 2,199 |
| Cost of funding earning assets | 0.4527% | 3,335 |
| Net interest margin | 4.0124% | 1,818 |
| Noninterest income to average assets | 1.3425% | 532 |
| Noninterest expense to average assets | 2.5662% | 3,428 |
| Loan and lease loss provision to assets | -0.0538% | 5,384 |
| Net operating income to assets | 1.8432% | 533 |
| Return on assets (ROA) | 1.8355% | 541 |
| Pretax return on assets | 2.3181% | 312 |
| Return on Equity (ROE) | 11.8169% | 1,795 |
| Retained earnings to average equity (ytd only) | 8.8167% | 1,272 |
| Net charge-offs to loans | 0.1070% | 1,295 |
| Credit loss provision to net charge-offs | -90.8625% | 4,078 |
| Earnings coverage of net charge-offs (x) | 38.4380% | 1,331 |
| Efficiency ratio | 53.0172% | 4,781 |
| Assets per employee ($millions) | 3.5369% | 4,546 |
| Cash dividends to net income (ytd only)* | 25.3894% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,074 |
| Loan loss allowance to noncurrent loans | 268.2846% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.8015% | 1,865 |
| Noncurrent loans to loans | 0.3571% | 3,417 |
| Net loans and leases to total assets | 55.5004% | 4,202 |
| Net loans and leases to deposits | 78.2811% | 3,128 |
| Net loans and leases to core deposits | 86.6943% | 2,849 |
| Total domestic deposits to total assets | 70.8989% | 5,237 |
| Equity capital to assets | 16.0887% | 489 |
| Core capital (leverage) ratio | 14.2285% | 842 |
| Tier 1 risk-based capital ratio | 17.9325% | 1,814 |
| Total risk-based capital ratio | 18.6786% | 1,915 |
| Memoranda: | ||
| Average total assets | $8,583,204,000 | 150 |
| Average earning assets | $7,482,361,670 | 156 |
| Average equity | $1,333,222,670 | 131 |
| Average total loans | $4,745,758,330 | 177 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3352% | 2,400 |
| Cost of funding earning assets | 0.4489% | 3,207 |
| Net interest margin | 3.8862% | 2,099 |
| Noninterest income to average assets | 1.2928% | 552 |
| Noninterest expense to average assets | 2.3378% | 4,089 |
| Loan and lease loss provision to assets | 0.0471% | 2,819 |
| Net operating income to assets | 1.8302% | 530 |
| Return on assets (ROA) | 1.8122% | 556 |
| Pretax return on assets | 2.2857% | 327 |
| Return on Equity (ROE) | 11.8731% | 1,625 |
| Retained earnings to average equity (ytd only) | 5.8234% | 2,795 |
| Net charge-offs to loans | 0.1466% | 946 |
| Credit loss provision to net charge-offs | 58.5436% | 1,895 |
| Earnings coverage of net charge-offs (x) | 29.2575% | 1,252 |
| Efficiency ratio | 49.8097% | 5,094 |
| Assets per employee ($millions) | 3.7123% | 4,401 |
| Cash dividends to net income (ytd only)* | 50.9528% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 3,780 |
| Loan loss allowance to noncurrent loans | 107.1495% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 1,969 |
| Noncurrent loans to loans | 0.9614% | 1,897 |
| Net loans and leases to total assets | 55.3251% | 4,179 |
| Net loans and leases to deposits | 76.0135% | 3,211 |
| Net loans and leases to core deposits | 83.9468% | 2,985 |
| Total domestic deposits to total assets | 72.7833% | 5,229 |
| Equity capital to assets | 15.3933% | 587 |
| Core capital (leverage) ratio | 13.5434% | 996 |
| Tier 1 risk-based capital ratio | 17.1965% | 2,055 |
| Total risk-based capital ratio | 17.9976% | 2,142 |
| Memoranda: | ||
| Average total assets | $8,664,068,500 | 150 |
| Average earning assets | $7,581,732,000 | 155 |
| Average equity | $1,322,382,000 | 131 |
| Average total loans | $4,759,052,500 | 177 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 3,514 |
| Cost of funding earning assets | 0.3509% | 3,709 |
| Net interest margin | 3.6162% | 3,115 |
| Noninterest income to average assets | 1.3374% | 586 |
| Noninterest expense to average assets | 2.5189% | 3,716 |
| Loan and lease loss provision to assets | 0.1086% | 2,070 |
| Net operating income to assets | 1.3110% | 1,202 |
| Return on assets (ROA) | 1.2862% | 1,283 |
| Pretax return on assets | 1.8260% | 738 |
| Return on Equity (ROE) | 8.4103% | 2,599 |
| Retained earnings to average equity (ytd only) | 5.1417% | 2,034 |
| Net charge-offs to loans | 0.1578% | 1,544 |
| Credit loss provision to net charge-offs | 127.9957% | 2,055 |
| Earnings coverage of net charge-offs (x) | 23.2148% | 1,815 |
| Efficiency ratio | 56.1121% | 4,762 |
| Assets per employee ($millions) | 3.7614% | 4,341 |
| Cash dividends to net income (ytd only)* | 38.8648% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0587% | 3,569 |
| Loan loss allowance to noncurrent loans | 114.3105% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7663% | 2,036 |
| Noncurrent loans to loans | 0.9261% | 1,926 |
| Net loans and leases to total assets | 53.4062% | 4,406 |
| Net loans and leases to deposits | 78.1259% | 3,099 |
| Net loans and leases to core deposits | 86.8533% | 2,840 |
| Total domestic deposits to total assets | 68.3591% | 5,458 |
| Equity capital to assets | 15.1352% | 654 |
| Core capital (leverage) ratio | 13.4368% | 994 |
| Tier 1 risk-based capital ratio | 17.1039% | 2,056 |
| Total risk-based capital ratio | 17.9275% | 2,154 |
| Memoranda: | ||
| Average total assets | $8,801,841,400 | 142 |
| Average earning assets | $7,670,597,200 | 147 |
| Average equity | $1,346,122,400 | 121 |
| Average total loans | $4,731,907,800 | 170 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 3,669 |
| Cost of funding earning assets | 0.3366% | 3,804 |
| Net interest margin | 3.5674% | 3,266 |
| Noninterest income to average assets | 1.3131% | 615 |
| Noninterest expense to average assets | 2.5162% | 3,679 |
| Loan and lease loss provision to assets | 0.1221% | 1,773 |
| Net operating income to assets | 1.2628% | 1,461 |
| Return on assets (ROA) | 1.2527% | 1,527 |
| Pretax return on assets | 1.7660% | 966 |
| Return on Equity (ROE) | 8.1699% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.1831% | 1,595 |
| Net charge-offs to loans | 0.1665% | 1,244 |
| Credit loss provision to net charge-offs | 136.5251% | 1,805 |
| Earnings coverage of net charge-offs (x) | 21.2707% | 1,921 |
| Efficiency ratio | 56.9428% | 4,619 |
| Assets per employee ($millions) | 3.6577% | 4,503 |
| Cash dividends to net income (ytd only)* | 12.0780% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 3,533 |
| Loan loss allowance to noncurrent loans | 271.7849% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.4971% | 3,076 |
| Noncurrent loans to loans | 0.4018% | 3,502 |
| Net loans and leases to total assets | 52.4205% | 4,540 |
| Net loans and leases to deposits | 75.9230% | 3,383 |
| Net loans and leases to core deposits | 84.5576% | 3,085 |
| Total domestic deposits to total assets | 69.0443% | 5,507 |
| Equity capital to assets | 15.5207% | 626 |
| Core capital (leverage) ratio | 13.6477% | 977 |
| Tier 1 risk-based capital ratio | 17.6005% | 1,976 |
| Total risk-based capital ratio | 18.4428% | 2,052 |
| Memoranda: | ||
| Average total assets | $8,812,254,250 | 143 |
| Average earning assets | $7,670,944,750 | 150 |
| Average equity | $1,351,185,500 | 121 |
| Average total loans | $4,732,749,250 | 173 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 3,893 |
| Cost of funding earning assets | 0.3238% | 3,854 |
| Net interest margin | 3.4770% | 3,484 |
| Noninterest income to average assets | 1.2622% | 649 |
| Noninterest expense to average assets | 2.5196% | 3,690 |
| Loan and lease loss provision to assets | 0.0383% | 3,247 |
| Net operating income to assets | 1.2628% | 1,394 |
| Return on assets (ROA) | 1.2474% | 1,473 |
| Pretax return on assets | 1.7013% | 1,057 |
| Return on Equity (ROE) | 8.1678% | 2,933 |
| Retained earnings to average equity (ytd only) | 8.1678% | 1,094 |
| Net charge-offs to loans | 0.1116% | 1,515 |
| Credit loss provision to net charge-offs | 63.5921% | 2,436 |
| Earnings coverage of net charge-offs (x) | 29.2546% | 1,480 |
| Efficiency ratio | 58.8594% | 4,481 |
| Assets per employee ($millions) | 3.6244% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 4,053 |
| Loan loss allowance to noncurrent loans | 227.9686% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 2,909 |
| Noncurrent loans to loans | 0.4454% | 3,419 |
| Net loans and leases to total assets | 54.1647% | 4,378 |
| Net loans and leases to deposits | 76.8306% | 3,240 |
| Net loans and leases to core deposits | 86.2790% | 2,850 |
| Total domestic deposits to total assets | 70.4988% | 5,523 |
| Equity capital to assets | 15.6909% | 571 |
| Core capital (leverage) ratio | 13.5977% | 968 |
| Tier 1 risk-based capital ratio | 17.5418% | 1,995 |
| Total risk-based capital ratio | 18.3440% | 2,079 |
| Memoranda: | ||
| Average total assets | $8,862,539,330 | 141 |
| Average earning assets | $7,692,865,000 | 147 |
| Average equity | $1,353,478,670 | 117 |
| Average total loans | $4,780,172,670 | 172 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6238% | 4,354 |
| Cost of funding earning assets | 0.3364% | 3,681 |
| Net interest margin | 3.2874% | 4,058 |
| Noninterest income to average assets | 1.1915% | 720 |
| Noninterest expense to average assets | 2.5301% | 3,715 |
| Loan and lease loss provision to assets | -0.0045% | 5,645 |
| Net operating income to assets | 1.0105% | 2,264 |
| Return on assets (ROA) | 1.0418% | 2,160 |
| Pretax return on assets | 1.5581% | 1,348 |
| Return on Equity (ROE) | 6.9103% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.9103% | 1,882 |
| Net charge-offs to loans | 0.1133% | 1,265 |
| Credit loss provision to net charge-offs | -7.4909% | 3,787 |
| Earnings coverage of net charge-offs (x) | 24.8327% | 1,345 |
| Efficiency ratio | 62.6621% | 4,044 |
| Assets per employee ($millions) | 3.5916% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 4,040 |
| Loan loss allowance to noncurrent loans | 216.8120% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 0.5577% | 3,001 |
| Noncurrent loans to loans | 0.4791% | 3,370 |
| Net loans and leases to total assets | 52.9711% | 4,431 |
| Net loans and leases to deposits | 73.0645% | 3,505 |
| Net loans and leases to core deposits | 82.0536% | 3,088 |
| Total domestic deposits to total assets | 72.4991% | 5,518 |
| Equity capital to assets | 15.4344% | 572 |
| Core capital (leverage) ratio | 13.3652% | 1,013 |
| Tier 1 risk-based capital ratio | 17.7383% | 1,963 |
| Total risk-based capital ratio | 18.5576% | 2,039 |
| Memoranda: | ||
| Average total assets | $9,064,163,000 | 136 |
| Average earning assets | $7,845,326,000 | 141 |
| Average equity | $1,366,549,000 | 115 |
| Average total loans | $4,855,786,000 | 172 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 3,596 |
| Cost of funding earning assets | 0.4107% | 2,899 |
| Net interest margin | 3.4808% | 3,503 |
| Noninterest income to average assets | 1.3894% | 589 |
| Noninterest expense to average assets | 2.5568% | 3,818 |
| Loan and lease loss provision to assets | 0.2053% | 1,107 |
| Net operating income to assets | 1.1073% | 1,869 |
| Return on assets (ROA) | 1.0903% | 2,039 |
| Pretax return on assets | 1.6030% | 1,268 |
| Return on Equity (ROE) | 7.3226% | 3,306 |
| Retained earnings to average equity (ytd only) | 3.4506% | 3,470 |
| Net charge-offs to loans | 0.4407% | 579 |
| Credit loss provision to net charge-offs | 86.5068% | 2,862 |
| Earnings coverage of net charge-offs (x) | 7.7242% | 2,971 |
| Efficiency ratio | 58.2249% | 4,822 |
| Assets per employee ($millions) | 4.1758% | 3,658 |
| Cash dividends to net income (ytd only)* | 52.8776% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,917 |
| Loan loss allowance to noncurrent loans | 233.0786% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5076% | 3,235 |
| Noncurrent loans to loans | 0.4574% | 3,515 |
| Net loans and leases to total assets | 53.0375% | 4,523 |
| Net loans and leases to deposits | 73.4561% | 3,572 |
| Net loans and leases to core deposits | 81.2418% | 3,286 |
| Total domestic deposits to total assets | 72.2030% | 5,544 |
| Equity capital to assets | 14.7699% | 678 |
| Core capital (leverage) ratio | 12.5048% | 1,330 |
| Tier 1 risk-based capital ratio | 16.6274% | 2,298 |
| Total risk-based capital ratio | 17.4489% | 2,408 |
| Memoranda: | ||
| Average total assets | $9,713,508,000 | 118 |
| Average earning assets | $8,374,332,800 | 126 |
| Average equity | $1,446,270,000 | 106 |
| Average total loans | $5,231,664,800 | 155 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8962% | 3,597 |
| Cost of funding earning assets | 0.4216% | 2,828 |
| Net interest margin | 3.4746% | 3,565 |
| Noninterest income to average assets | 1.3509% | 645 |
| Noninterest expense to average assets | 2.5301% | 3,896 |
| Loan and lease loss provision to assets | 0.2200% | 943 |
| Net operating income to assets | 1.0779% | 2,088 |
| Return on assets (ROA) | 1.0642% | 2,254 |
| Pretax return on assets | 1.5749% | 1,448 |
| Return on Equity (ROE) | 7.1332% | 3,487 |
| Retained earnings to average equity (ytd only) | 1.9739% | 4,701 |
| Net charge-offs to loans | 0.4993% | 427 |
| Credit loss provision to net charge-offs | 81.7082% | 2,640 |
| Earnings coverage of net charge-offs (x) | 6.7413% | 2,970 |
| Efficiency ratio | 58.2139% | 4,784 |
| Assets per employee ($millions) | 3.5175% | 4,753 |
| Cash dividends to net income (ytd only)* | 72.3281% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 4,002 |
| Loan loss allowance to noncurrent loans | 212.9424% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 3,320 |
| Noncurrent loans to loans | 0.5038% | 3,489 |
| Net loans and leases to total assets | 51.7828% | 4,673 |
| Net loans and leases to deposits | 72.1498% | 3,791 |
| Net loans and leases to core deposits | 79.7740% | 3,468 |
| Total domestic deposits to total assets | 71.7713% | 5,605 |
| Equity capital to assets | 14.8089% | 787 |
| Core capital (leverage) ratio | 12.4355% | 1,428 |
| Tier 1 risk-based capital ratio | 16.5711% | 2,383 |
| Total risk-based capital ratio | 17.4044% | 2,517 |
| Memoranda: | ||
| Average total assets | $9,700,111,250 | 115 |
| Average earning assets | $8,358,872,750 | 125 |
| Average equity | $1,447,188,750 | 105 |
| Average total loans | $5,230,569,500 | 154 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 3,521 |
| Cost of funding earning assets | 0.4230% | 2,807 |
| Net interest margin | 3.5029% | 3,483 |
| Noninterest income to average assets | 1.3164% | 660 |
| Noninterest expense to average assets | 2.4684% | 4,126 |
| Loan and lease loss provision to assets | 0.3830% | 406 |
| Net operating income to assets | 0.9872% | 2,440 |
| Return on assets (ROA) | 0.9811% | 2,608 |
| Pretax return on assets | 1.4710% | 1,770 |
| Return on Equity (ROE) | 6.5596% | 3,774 |
| Retained earnings to average equity (ytd only) | 3.0948% | 3,933 |
| Net charge-offs to loans | 0.8826% | 221 |
| Credit loss provision to net charge-offs | 79.6869% | 2,368 |
| Earnings coverage of net charge-offs (x) | 3.8762% | 3,048 |
| Efficiency ratio | 56.9731% | 5,031 |
| Assets per employee ($millions) | 3.3618% | 4,983 |
| Cash dividends to net income (ytd only)* | 52.8206% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 4,309 |
| Loan loss allowance to noncurrent loans | 222.6278% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 3,289 |
| Noncurrent loans to loans | 0.4656% | 3,698 |
| Net loans and leases to total assets | 53.8453% | 4,527 |
| Net loans and leases to deposits | 74.7611% | 3,503 |
| Net loans and leases to core deposits | 82.8377% | 3,188 |
| Total domestic deposits to total assets | 72.0231% | 5,667 |
| Equity capital to assets | 15.2598% | 680 |
| Core capital (leverage) ratio | 12.4310% | 1,392 |
| Tier 1 risk-based capital ratio | 16.8817% | 2,267 |
| Total risk-based capital ratio | 17.7024% | 2,389 |
| Memoranda: | ||
| Average total assets | $9,648,176,670 | 115 |
| Average earning assets | $8,304,437,000 | 123 |
| Average equity | $1,443,068,330 | 105 |
| Average total loans | $5,254,420,330 | 151 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9238% | 3,489 |
| Cost of funding earning assets | 0.4184% | 2,874 |
| Net interest margin | 3.5055% | 3,457 |
| Noninterest income to average assets | 1.2969% | 654 |
| Noninterest expense to average assets | 2.3686% | 4,457 |
| Loan and lease loss provision to assets | 0.5456% | 214 |
| Net operating income to assets | 0.9345% | 2,584 |
| Return on assets (ROA) | 0.9283% | 2,715 |
| Pretax return on assets | 1.3881% | 1,936 |
| Return on Equity (ROE) | 6.2694% | 3,848 |
| Retained earnings to average equity (ytd only) | 2.0766% | 4,424 |
| Net charge-offs to loans | 1.4011% | 135 |
| Credit loss provision to net charge-offs | 71.4735% | 1,895 |
| Earnings coverage of net charge-offs (x) | 2.5452% | 2,668 |
| Efficiency ratio | 54.9204% | 5,292 |
| Assets per employee ($millions) | 3.4240% | 4,924 |
| Cash dividends to net income (ytd only)* | 66.8777% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 4,486 |
| Loan loss allowance to noncurrent loans | 174.6981% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 3,147 |
| Noncurrent loans to loans | 0.5844% | 3,439 |
| Net loans and leases to total assets | 53.6578% | 4,479 |
| Net loans and leases to deposits | 73.5341% | 3,497 |
| Net loans and leases to core deposits | 81.4720% | 3,181 |
| Total domestic deposits to total assets | 72.9700% | 5,709 |
| Equity capital to assets | 14.8977% | 715 |
| Core capital (leverage) ratio | 12.3305% | 1,417 |
| Tier 1 risk-based capital ratio | 16.5278% | 2,471 |
| Total risk-based capital ratio | 17.3322% | 2,592 |
| Memoranda: | ||
| Average total assets | $9,664,910,500 | 117 |
| Average earning assets | $8,311,694,500 | 123 |
| Average equity | $1,431,009,000 | 106 |
| Average total loans | $5,265,987,000 | 150 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 3,815 |
| Cost of funding earning assets | 0.4217% | 2,924 |
| Net interest margin | 3.4476% | 3,729 |
| Noninterest income to average assets | 1.3434% | 670 |
| Noninterest expense to average assets | 2.4063% | 4,496 |
| Loan and lease loss provision to assets | 0.2257% | 901 |
| Net operating income to assets | 1.1234% | 1,825 |
| Return on assets (ROA) | 1.0949% | 2,020 |
| Pretax return on assets | 1.6501% | 1,114 |
| Return on Equity (ROE) | 7.7773% | 3,087 |
| Retained earnings to average equity (ytd only) | 5.7581% | 1,921 |
| Net charge-offs to loans | 0.3998% | 712 |
| Credit loss provision to net charge-offs | 107.4729% | 2,342 |
| Earnings coverage of net charge-offs (x) | 9.1367% | 2,858 |
| Efficiency ratio | 55.5007% | 5,395 |
| Assets per employee ($millions) | 3.5016% | 4,837 |
| Cash dividends to net income (ytd only)* | 25.9625% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,951 |
| Loan loss allowance to noncurrent loans | 119.1055% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.8431% | 2,556 |
| Noncurrent loans to loans | 0.9379% | 2,458 |
| Net loans and leases to total assets | 54.1500% | 4,487 |
| Net loans and leases to deposits | 74.6831% | 3,410 |
| Net loans and leases to core deposits | 83.2089% | 3,031 |
| Total domestic deposits to total assets | 72.5064% | 5,765 |
| Equity capital to assets | 14.7142% | 724 |
| Core capital (leverage) ratio | 12.0892% | 1,570 |
| Tier 1 risk-based capital ratio | 16.4176% | 2,524 |
| Total risk-based capital ratio | 17.2951% | 2,610 |
| Memoranda: | ||
| Average total assets | $9,850,244,000 | 109 |
| Average earning assets | $8,519,387,600 | 117 |
| Average equity | $1,386,706,800 | 105 |
| Average total loans | $5,174,990,200 | 145 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8505% | 3,934 |
| Cost of funding earning assets | 0.4232% | 2,978 |
| Net interest margin | 3.4273% | 3,848 |
| Noninterest income to average assets | 1.3510% | 669 |
| Noninterest expense to average assets | 2.4251% | 4,439 |
| Loan and lease loss provision to assets | 0.2428% | 720 |
| Net operating income to assets | 1.0946% | 2,032 |
| Return on assets (ROA) | 1.0871% | 2,150 |
| Pretax return on assets | 1.6380% | 1,274 |
| Return on Equity (ROE) | 7.8079% | 3,188 |
| Retained earnings to average equity (ytd only) | 5.1007% | 2,845 |
| Net charge-offs to loans | 0.4592% | 548 |
| Credit loss provision to net charge-offs | 101.6969% | 2,226 |
| Earnings coverage of net charge-offs (x) | 7.9244% | 2,860 |
| Efficiency ratio | 56.0520% | 5,346 |
| Assets per employee ($millions) | 3.5429% | 4,712 |
| Cash dividends to net income (ytd only)* | 34.6719% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 4,253 |
| Loan loss allowance to noncurrent loans | 122.3665% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.8677% | 2,707 |
| Noncurrent loans to loans | 0.8948% | 2,739 |
| Net loans and leases to total assets | 52.8509% | 4,675 |
| Net loans and leases to deposits | 74.5580% | 3,474 |
| Net loans and leases to core deposits | 83.0663% | 3,148 |
| Total domestic deposits to total assets | 70.8857% | 5,931 |
| Equity capital to assets | 14.2607% | 924 |
| Core capital (leverage) ratio | 11.7527% | 1,854 |
| Tier 1 risk-based capital ratio | 15.8675% | 2,858 |
| Total risk-based capital ratio | 16.7230% | 2,992 |
| Memoranda: | ||
| Average total assets | $9,904,561,750 | 110 |
| Average earning assets | $8,572,407,500 | 119 |
| Average equity | $1,379,030,750 | 107 |
| Average total loans | $5,149,940,750 | 144 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 3,950 |
| Cost of funding earning assets | 0.4226% | 3,012 |
| Net interest margin | 3.4085% | 3,882 |
| Noninterest income to average assets | 1.3447% | 678 |
| Noninterest expense to average assets | 2.3426% | 4,734 |
| Loan and lease loss provision to assets | 0.2117% | 915 |
| Net operating income to assets | 1.1549% | 1,762 |
| Return on assets (ROA) | 1.1454% | 1,867 |
| Pretax return on assets | 1.7270% | 1,031 |
| Return on Equity (ROE) | 8.2933% | 2,890 |
| Retained earnings to average equity (ytd only) | 6.1767% | 2,134 |
| Net charge-offs to loans | 0.5542% | 440 |
| Credit loss provision to net charge-offs | 74.1544% | 2,410 |
| Earnings coverage of net charge-offs (x) | 6.8403% | 2,734 |
| Efficiency ratio | 54.4212% | 5,553 |
| Assets per employee ($millions) | 3.5544% | 4,706 |
| Cash dividends to net income (ytd only)* | 25.5219% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 4,633 |
| Loan loss allowance to noncurrent loans | 111.8642% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 2,793 |
| Noncurrent loans to loans | 0.9340% | 2,797 |
| Net loans and leases to total assets | 51.7743% | 4,775 |
| Net loans and leases to deposits | 73.1902% | 3,595 |
| Net loans and leases to core deposits | 81.7548% | 3,206 |
| Total domestic deposits to total assets | 70.7394% | 6,003 |
| Equity capital to assets | 14.0656% | 962 |
| Core capital (leverage) ratio | 11.5866% | 1,935 |
| Tier 1 risk-based capital ratio | 16.0015% | 2,861 |
| Total risk-based capital ratio | 16.8158% | 3,012 |
| Memoranda: | ||
| Average total assets | $9,919,477,670 | 114 |
| Average earning assets | $8,587,956,670 | 119 |
| Average equity | $1,370,015,330 | 110 |
| Average total loans | $5,110,358,000 | 146 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7996% | 4,011 |
| Cost of funding earning assets | 0.4196% | 3,081 |
| Net interest margin | 3.3800% | 3,917 |
| Noninterest income to average assets | 1.2495% | 732 |
| Noninterest expense to average assets | 2.3130% | 4,846 |
| Loan and lease loss provision to assets | 0.1023% | 1,990 |
| Net operating income to assets | 1.1643% | 1,653 |
| Return on assets (ROA) | 1.1615% | 1,764 |
| Pretax return on assets | 1.7581% | 941 |
| Return on Equity (ROE) | 8.4866% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.4866% | 1,381 |
| Net charge-offs to loans | 0.1116% | 1,627 |
| Credit loss provision to net charge-offs | 179.3103% | 1,131 |
| Earnings coverage of net charge-offs (x) | 32.6911% | 1,092 |
| Efficiency ratio | 55.2705% | 5,573 |
| Assets per employee ($millions) | 3.6878% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 4,329 |
| Loan loss allowance to noncurrent loans | 102.9723% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 2,715 |
| Noncurrent loans to loans | 1.1049% | 2,562 |
| Net loans and leases to total assets | 50.6500% | 4,782 |
| Net loans and leases to deposits | 71.5939% | 3,575 |
| Net loans and leases to core deposits | 79.6215% | 3,211 |
| Total domestic deposits to total assets | 70.7462% | 6,096 |
| Equity capital to assets | 13.8059% | 1,055 |
| Core capital (leverage) ratio | 11.3215% | 2,137 |
| Tier 1 risk-based capital ratio | 15.8377% | 2,997 |
| Total risk-based capital ratio | 16.7203% | 3,100 |
| Memoranda: | ||
| Average total assets | $9,965,209,000 | 113 |
| Average earning assets | $8,633,246,500 | 117 |
| Average equity | $1,363,837,500 | 109 |
| Average total loans | $5,094,481,500 | 144 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8266% | 4,406 |
| Cost of funding earning assets | 0.4423% | 3,247 |
| Net interest margin | 3.3843% | 4,257 |
| Noninterest income to average assets | 1.4833% | 558 |
| Noninterest expense to average assets | 2.4967% | 4,561 |
| Loan and lease loss provision to assets | 0.1320% | 1,982 |
| Net operating income to assets | 1.1929% | 1,605 |
| Return on assets (ROA) | 1.1977% | 1,653 |
| Pretax return on assets | 1.7833% | 824 |
| Return on Equity (ROE) | 9.3044% | 2,435 |
| Retained earnings to average equity (ytd only) | 7.7401% | 1,113 |
| Net charge-offs to loans | 0.3816% | 1,123 |
| Credit loss provision to net charge-offs | 71.1788% | 3,047 |
| Earnings coverage of net charge-offs (x) | 10.2897% | 2,627 |
| Efficiency ratio | 56.1565% | 5,653 |
| Assets per employee ($millions) | 3.5583% | 4,800 |
| Cash dividends to net income (ytd only)* | 16.8125% | 3,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1372% | 4,348 |
| Loan loss allowance to noncurrent loans | 96.2222% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 0.9936% | 2,767 |
| Noncurrent loans to loans | 1.1819% | 2,474 |
| Net loans and leases to total assets | 50.4308% | 4,926 |
| Net loans and leases to deposits | 72.2525% | 3,652 |
| Net loans and leases to core deposits | 80.4710% | 3,243 |
| Total domestic deposits to total assets | 69.7980% | 6,204 |
| Equity capital to assets | 13.5643% | 1,130 |
| Core capital (leverage) ratio | 11.2242% | 2,197 |
| Tier 1 risk-based capital ratio | 16.3877% | 2,766 |
| Total risk-based capital ratio | 17.3081% | 2,873 |
| Memoranda: | ||
| Average total assets | $9,931,988,800 | 111 |
| Average earning assets | $8,573,634,000 | 114 |
| Average equity | $1,278,519,800 | 109 |
| Average total loans | $4,826,760,000 | 145 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 4,456 |
| Cost of funding earning assets | 0.4448% | 3,315 |
| Net interest margin | 3.3793% | 4,318 |
| Noninterest income to average assets | 1.5067% | 552 |
| Noninterest expense to average assets | 2.5645% | 4,307 |
| Loan and lease loss provision to assets | 0.1051% | 2,285 |
| Net operating income to assets | 1.1838% | 1,741 |
| Return on assets (ROA) | 1.1923% | 1,771 |
| Pretax return on assets | 1.7647% | 953 |
| Return on Equity (ROE) | 9.3879% | 2,503 |
| Retained earnings to average equity (ytd only) | 7.8040% | 1,446 |
| Net charge-offs to loans | 0.1746% | 2,053 |
| Credit loss provision to net charge-offs | 125.3600% | 1,831 |
| Earnings coverage of net charge-offs (x) | 22.1584% | 1,642 |
| Efficiency ratio | 57.3360% | 5,532 |
| Assets per employee ($millions) | 3.5263% | 4,812 |
| Cash dividends to net income (ytd only)* | 16.8714% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2751% | 3,780 |
| Loan loss allowance to noncurrent loans | 95.3963% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.1070% | 2,739 |
| Noncurrent loans to loans | 1.3366% | 2,408 |
| Net loans and leases to total assets | 50.5511% | 4,943 |
| Net loans and leases to deposits | 71.4107% | 3,747 |
| Net loans and leases to core deposits | 79.7914% | 3,333 |
| Total domestic deposits to total assets | 70.7892% | 6,243 |
| Equity capital to assets | 13.2808% | 1,285 |
| Core capital (leverage) ratio | 10.9500% | 2,532 |
| Tier 1 risk-based capital ratio | 16.0487% | 3,039 |
| Total risk-based capital ratio | 17.0771% | 3,088 |
| Memoranda: | ||
| Average total assets | $9,941,948,250 | 111 |
| Average earning assets | $8,576,368,000 | 115 |
| Average equity | $1,262,700,250 | 110 |
| Average total loans | $4,771,932,250 | 145 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 4,468 |
| Cost of funding earning assets | 0.4454% | 3,381 |
| Net interest margin | 3.3701% | 4,311 |
| Noninterest income to average assets | 1.5329% | 525 |
| Noninterest expense to average assets | 2.5958% | 4,254 |
| Loan and lease loss provision to assets | 0.1114% | 2,167 |
| Net operating income to assets | 1.1724% | 1,679 |
| Return on assets (ROA) | 1.2754% | 1,434 |
| Pretax return on assets | 1.8847% | 708 |
| Return on Equity (ROE) | 10.1948% | 2,061 |
| Retained earnings to average equity (ytd only) | 10.1948% | 679 |
| Net charge-offs to loans | 0.1720% | 2,017 |
| Credit loss provision to net charge-offs | 137.9439% | 1,541 |
| Earnings coverage of net charge-offs (x) | 22.8441% | 1,491 |
| Efficiency ratio | 57.5169% | 5,610 |
| Assets per employee ($millions) | 3.5338% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3326% | 3,680 |
| Loan loss allowance to noncurrent loans | 97.2692% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.0794% | 2,906 |
| Noncurrent loans to loans | 1.3700% | 2,522 |
| Net loans and leases to total assets | 46.8193% | 5,284 |
| Net loans and leases to deposits | 68.2418% | 4,025 |
| Net loans and leases to core deposits | 76.4691% | 3,578 |
| Total domestic deposits to total assets | 68.6080% | 6,402 |
| Equity capital to assets | 12.8178% | 1,477 |
| Core capital (leverage) ratio | 10.5587% | 2,879 |
| Tier 1 risk-based capital ratio | 16.3396% | 2,912 |
| Total risk-based capital ratio | 17.3970% | 2,958 |
| Memoranda: | ||
| Average total assets | $9,974,160,330 | 108 |
| Average earning assets | $8,605,324,000 | 112 |
| Average equity | $1,247,754,330 | 110 |
| Average total loans | $4,682,180,670 | 145 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8158% | 4,422 |
| Cost of funding earning assets | 0.4535% | 3,390 |
| Net interest margin | 3.3622% | 4,283 |
| Noninterest income to average assets | 1.6142% | 472 |
| Noninterest expense to average assets | 2.7757% | 3,652 |
| Loan and lease loss provision to assets | 0.0731% | 2,675 |
| Net operating income to assets | 1.1475% | 1,641 |
| Return on assets (ROA) | 1.3715% | 1,098 |
| Pretax return on assets | 1.9926% | 540 |
| Return on Equity (ROE) | 11.1041% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.1041% | 725 |
| Net charge-offs to loans | 0.1526% | 1,806 |
| Credit loss provision to net charge-offs | 102.5568% | 1,623 |
| Earnings coverage of net charge-offs (x) | 24.4420% | 1,176 |
| Efficiency ratio | 60.5937% | 5,321 |
| Assets per employee ($millions) | 3.4865% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3445% | 3,880 |
| Loan loss allowance to noncurrent loans | 113.1944% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.9997% | 3,271 |
| Noncurrent loans to loans | 1.1878% | 3,061 |
| Net loans and leases to total assets | 46.3297% | 5,300 |
| Net loans and leases to deposits | 66.3765% | 4,045 |
| Net loans and leases to core deposits | 74.5032% | 3,589 |
| Total domestic deposits to total assets | 69.7983% | 6,457 |
| Equity capital to assets | 12.5331% | 1,555 |
| Core capital (leverage) ratio | 10.4825% | 2,954 |
| Tier 1 risk-based capital ratio | 16.0957% | 3,126 |
| Total risk-based capital ratio | 17.1456% | 3,180 |
| Memoranda: | ||
| Average total assets | $9,883,227,500 | 110 |
| Average earning assets | $8,531,823,000 | 113 |
| Average equity | $1,220,739,500 | 112 |
| Average total loans | $4,613,668,500 | 146 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6018% | 5,399 |
| Cost of funding earning assets | 0.5358% | 3,244 |
| Net interest margin | 3.0660% | 5,415 |
| Noninterest income to average assets | 1.5129% | 616 |
| Noninterest expense to average assets | 2.6113% | 4,419 |
| Loan and lease loss provision to assets | 0.2221% | 1,640 |
| Net operating income to assets | 0.9402% | 2,604 |
| Return on assets (ROA) | 1.0049% | 2,373 |
| Pretax return on assets | 1.4281% | 1,691 |
| Return on Equity (ROE) | 8.1238% | 2,971 |
| Retained earnings to average equity (ytd only) | 6.0424% | 1,943 |
| Net charge-offs to loans | 0.2025% | 2,853 |
| Credit loss provision to net charge-offs | 247.8736% | 922 |
| Earnings coverage of net charge-offs (x) | 17.3845% | 1,719 |
| Efficiency ratio | 61.5151% | 5,290 |
| Assets per employee ($millions) | 3.5258% | 4,849 |
| Cash dividends to net income (ytd only)* | 25.6216% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 3,773 |
| Loan loss allowance to noncurrent loans | 108.5499% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.0537% | 3,309 |
| Noncurrent loans to loans | 1.2663% | 3,013 |
| Net loans and leases to total assets | 45.7617% | 5,512 |
| Net loans and leases to deposits | 66.4591% | 4,248 |
| Net loans and leases to core deposits | 74.7615% | 3,762 |
| Total domestic deposits to total assets | 68.8570% | 6,561 |
| Equity capital to assets | 12.1682% | 1,702 |
| Core capital (leverage) ratio | 10.0883% | 3,452 |
| Tier 1 risk-based capital ratio | 15.8874% | 3,154 |
| Total risk-based capital ratio | 16.9598% | 3,203 |
| Memoranda: | ||
| Average total assets | $9,709,407,800 | 112 |
| Average earning assets | $8,411,199,200 | 115 |
| Average equity | $1,201,085,000 | 110 |
| Average total loans | $4,296,832,000 | 151 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5265% | 5,623 |
| Cost of funding earning assets | 0.5448% | 3,321 |
| Net interest margin | 2.9816% | 5,636 |
| Noninterest income to average assets | 1.4874% | 667 |
| Noninterest expense to average assets | 2.6954% | 4,031 |
| Loan and lease loss provision to assets | 0.2176% | 1,675 |
| Net operating income to assets | 0.8174% | 3,261 |
| Return on assets (ROA) | 0.9060% | 2,915 |
| Pretax return on assets | 1.2822% | 2,401 |
| Return on Equity (ROE) | 7.2937% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.8521% | 2,512 |
| Net charge-offs to loans | 0.2004% | 2,635 |
| Credit loss provision to net charge-offs | 248.3805% | 993 |
| Earnings coverage of net charge-offs (x) | 15.6958% | 1,845 |
| Efficiency ratio | 65.0761% | 4,633 |
| Assets per employee ($millions) | 3.5313% | 4,787 |
| Cash dividends to net income (ytd only)* | 19.7652% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 4,158 |
| Loan loss allowance to noncurrent loans | 94.4974% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.1352% | 3,383 |
| Noncurrent loans to loans | 1.4242% | 3,034 |
| Net loans and leases to total assets | 44.1585% | 5,714 |
| Net loans and leases to deposits | 65.1445% | 4,389 |
| Net loans and leases to core deposits | 73.5568% | 3,903 |
| Total domestic deposits to total assets | 67.7854% | 6,666 |
| Equity capital to assets | 12.1868% | 1,795 |
| Core capital (leverage) ratio | 9.9926% | 3,690 |
| Tier 1 risk-based capital ratio | 16.1008% | 3,133 |
| Total risk-based capital ratio | 17.1559% | 3,194 |
| Memoranda: | ||
| Average total assets | $9,679,294,750 | 112 |
| Average earning assets | $8,385,757,750 | 116 |
| Average equity | $1,202,327,250 | 110 |
| Average total loans | $4,230,788,000 | 150 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4734% | 5,744 |
| Cost of funding earning assets | 0.5585% | 3,331 |
| Net interest margin | 2.9149% | 5,769 |
| Noninterest income to average assets | 1.4678% | 731 |
| Noninterest expense to average assets | 2.8074% | 3,652 |
| Loan and lease loss provision to assets | 0.2334% | 1,600 |
| Net operating income to assets | 0.6873% | 3,864 |
| Return on assets (ROA) | 0.8261% | 3,321 |
| Pretax return on assets | 1.1444% | 2,910 |
| Return on Equity (ROE) | 6.6075% | 3,825 |
| Retained earnings to average equity (ytd only) | 4.4471% | 3,436 |
| Net charge-offs to loans | 0.1975% | 2,582 |
| Credit loss provision to net charge-offs | 272.6280% | 932 |
| Earnings coverage of net charge-offs (x) | 13.8425% | 1,868 |
| Efficiency ratio | 69.1476% | 3,986 |
| Assets per employee ($millions) | 3.2986% | 5,265 |
| Cash dividends to net income (ytd only)* | 32.6970% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 4,321 |
| Loan loss allowance to noncurrent loans | 83.7062% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2612% | 3,240 |
| Noncurrent loans to loans | 1.5992% | 2,910 |
| Net loans and leases to total assets | 43.9173% | 5,747 |
| Net loans and leases to deposits | 62.1860% | 4,716 |
| Net loans and leases to core deposits | 70.1581% | 4,261 |
| Total domestic deposits to total assets | 70.6225% | 6,632 |
| Equity capital to assets | 12.2722% | 1,726 |
| Core capital (leverage) ratio | 9.9902% | 3,541 |
| Tier 1 risk-based capital ratio | 16.0306% | 3,172 |
| Total risk-based capital ratio | 17.0656% | 3,255 |
| Memoranda: | ||
| Average total assets | $9,626,281,000 | 112 |
| Average earning assets | $8,338,116,330 | 117 |
| Average equity | $1,203,442,670 | 110 |
| Average total loans | $4,173,143,330 | 150 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4763% | 5,768 |
| Cost of funding earning assets | 0.5730% | 3,348 |
| Net interest margin | 2.9033% | 5,805 |
| Noninterest income to average assets | 1.4539% | 730 |
| Noninterest expense to average assets | 2.9310% | 3,226 |
| Loan and lease loss provision to assets | 0.2764% | 1,274 |
| Net operating income to assets | 0.5749% | 4,337 |
| Return on assets (ROA) | 0.8719% | 2,946 |
| Pretax return on assets | 1.1483% | 2,772 |
| Return on Equity (ROE) | 6.9115% | 3,537 |
| Retained earnings to average equity (ytd only) | 6.9115% | 2,193 |
| Net charge-offs to loans | 0.2140% | 2,138 |
| Credit loss provision to net charge-offs | 301.9900% | 786 |
| Earnings coverage of net charge-offs (x) | 11.2953% | 1,668 |
| Efficiency ratio | 72.7631% | 3,473 |
| Assets per employee ($millions) | 3.2859% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 4,671 |
| Loan loss allowance to noncurrent loans | 70.2217% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.5124% | 2,986 |
| Noncurrent loans to loans | 1.8577% | 2,788 |
| Net loans and leases to total assets | 43.3012% | 5,729 |
| Net loans and leases to deposits | 60.2884% | 4,761 |
| Net loans and leases to core deposits | 68.1454% | 4,286 |
| Total domestic deposits to total assets | 71.8234% | 6,667 |
| Equity capital to assets | 12.8708% | 1,487 |
| Core capital (leverage) ratio | 9.8773% | 3,561 |
| Tier 1 risk-based capital ratio | 16.4155% | 3,056 |
| Total risk-based capital ratio | 17.4414% | 3,111 |
| Memoranda: | ||
| Average total assets | $9,661,328,500 | 113 |
| Average earning assets | $8,356,189,000 | 117 |
| Average equity | $1,218,785,500 | 111 |
| Average total loans | $4,132,834,500 | 155 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7066% | 6,036 |
| Cost of funding earning assets | 0.7136% | 3,376 |
| Net interest margin | 2.9930% | 6,069 |
| Noninterest income to average assets | 1.4045% | 787 |
| Noninterest expense to average assets | 2.8220% | 3,939 |
| Loan and lease loss provision to assets | 0.2134% | 3,012 |
| Net operating income to assets | 0.6727% | 3,868 |
| Return on assets (ROA) | 0.9153% | 2,983 |
| Pretax return on assets | 1.3339% | 2,277 |
| Return on Equity (ROE) | 6.8650% | 3,717 |
| Retained earnings to average equity (ytd only) | -5.8052% | 6,472 |
| Net charge-offs to loans | 0.7360% | 1,602 |
| Credit loss provision to net charge-offs | 67.1885% | 4,244 |
| Earnings coverage of net charge-offs (x) | 3.7645% | 3,615 |
| Efficiency ratio | 69.0804% | 3,961 |
| Assets per employee ($millions) | 3.5395% | 4,924 |
| Cash dividends to net income (ytd only)* | 184.5630% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2142% | 5,049 |
| Loan loss allowance to noncurrent loans | 67.6413% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.3950% | 3,305 |
| Noncurrent loans to loans | 1.7951% | 2,926 |
| Net loans and leases to total assets | 41.2131% | 6,079 |
| Net loans and leases to deposits | 59.5576% | 5,072 |
| Net loans and leases to core deposits | 67.8630% | 4,550 |
| Total domestic deposits to total assets | 69.1988% | 6,817 |
| Equity capital to assets | 12.3685% | 1,812 |
| Core capital (leverage) ratio | 9.2618% | 4,483 |
| Tier 1 risk-based capital ratio | 16.2329% | 3,035 |
| Total risk-based capital ratio | 17.1873% | 3,155 |
| Memoranda: | ||
| Average total assets | $9,755,069,200 | 111 |
| Average earning assets | $8,516,780,000 | 116 |
| Average equity | $1,300,693,600 | 107 |
| Average total loans | $4,209,799,600 | 143 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7276% | 6,178 |
| Cost of funding earning assets | 0.7402% | 3,428 |
| Net interest margin | 2.9874% | 6,195 |
| Noninterest income to average assets | 1.4277% | 738 |
| Noninterest expense to average assets | 2.9559% | 3,387 |
| Loan and lease loss provision to assets | 0.2498% | 2,564 |
| Net operating income to assets | 0.5772% | 4,486 |
| Return on assets (ROA) | 0.9051% | 3,192 |
| Pretax return on assets | 1.3119% | 2,548 |
| Return on Equity (ROE) | 6.6664% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.5393% | 4,386 |
| Net charge-offs to loans | 0.8471% | 1,301 |
| Credit loss provision to net charge-offs | 67.7615% | 3,962 |
| Earnings coverage of net charge-offs (x) | 2.9472% | 3,846 |
| Efficiency ratio | 71.9770% | 3,335 |
| Assets per employee ($millions) | 3.5061% | 4,971 |
| Cash dividends to net income (ytd only)* | 46.9093% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 5,172 |
| Loan loss allowance to noncurrent loans | 67.6711% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.4843% | 3,371 |
| Noncurrent loans to loans | 1.8089% | 3,066 |
| Net loans and leases to total assets | 41.0671% | 6,193 |
| Net loans and leases to deposits | 62.9422% | 4,851 |
| Net loans and leases to core deposits | 73.5806% | 4,027 |
| Total domestic deposits to total assets | 65.2457% | 6,994 |
| Equity capital to assets | 13.2857% | 1,451 |
| Core capital (leverage) ratio | 11.0154% | 2,364 |
| Tier 1 risk-based capital ratio | 18.0427% | 2,317 |
| Total risk-based capital ratio | 19.0119% | 2,409 |
| Memoranda: | ||
| Average total assets | $9,734,742,000 | 112 |
| Average earning assets | $8,520,224,500 | 116 |
| Average equity | $1,321,713,250 | 108 |
| Average total loans | $4,236,323,500 | 138 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7856% | 6,175 |
| Cost of funding earning assets | 0.7856% | 3,316 |
| Net interest margin | 3.0000% | 6,243 |
| Noninterest income to average assets | 1.4440% | 696 |
| Noninterest expense to average assets | 2.5348% | 5,016 |
| Loan and lease loss provision to assets | 0.2597% | 2,499 |
| Net operating income to assets | 0.8845% | 2,982 |
| Return on assets (ROA) | 0.9150% | 3,100 |
| Pretax return on assets | 1.3158% | 2,499 |
| Return on Equity (ROE) | 6.6889% | 3,939 |
| Retained earnings to average equity (ytd only) | 1.9767% | 5,207 |
| Net charge-offs to loans | 1.1439% | 945 |
| Credit loss provision to net charge-offs | 51.3799% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.0304% | 3,534 |
| Efficiency ratio | 61.1798% | 5,390 |
| Assets per employee ($millions) | 3.3496% | 5,330 |
| Cash dividends to net income (ytd only)* | 70.4481% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 5,555 |
| Loan loss allowance to noncurrent loans | 84.6894% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.4527% | 3,532 |
| Noncurrent loans to loans | 1.3622% | 3,881 |
| Net loans and leases to total assets | 43.4521% | 6,072 |
| Net loans and leases to deposits | 61.1311% | 5,111 |
| Net loans and leases to core deposits | 73.0874% | 4,154 |
| Total domestic deposits to total assets | 71.0802% | 6,853 |
| Equity capital to assets | 13.9085% | 1,137 |
| Core capital (leverage) ratio | 10.6142% | 2,699 |
| Tier 1 risk-based capital ratio | 18.5276% | 2,126 |
| Total risk-based capital ratio | 19.4811% | 2,190 |
| Memoranda: | ||
| Average total assets | $9,618,498,330 | 112 |
| Average earning assets | $8,409,117,670 | 117 |
| Average equity | $1,315,731,000 | 108 |
| Average total loans | $4,250,995,000 | 135 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7966% | 6,252 |
| Cost of funding earning assets | 0.7891% | 3,553 |
| Net interest margin | 3.0075% | 6,282 |
| Noninterest income to average assets | 1.4351% | 703 |
| Noninterest expense to average assets | 2.4493% | 5,317 |
| Loan and lease loss provision to assets | 0.2578% | 2,392 |
| Net operating income to assets | 0.9654% | 2,615 |
| Return on assets (ROA) | 0.9944% | 2,694 |
| Pretax return on assets | 1.4007% | 2,185 |
| Return on Equity (ROE) | 7.3296% | 3,590 |
| Retained earnings to average equity (ytd only) | 4.2831% | 4,019 |
| Net charge-offs to loans | 0.9600% | 1,080 |
| Credit loss provision to net charge-offs | 60.5946% | 3,100 |
| Earnings coverage of net charge-offs (x) | 3.8026% | 2,741 |
| Efficiency ratio | 59.0964% | 5,756 |
| Assets per employee ($millions) | 3.5933% | 4,903 |
| Cash dividends to net income (ytd only)* | 41.5645% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 4,930 |
| Loan loss allowance to noncurrent loans | 61.2657% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.5878% | 3,475 |
| Noncurrent loans to loans | 2.1546% | 2,964 |
| Net loans and leases to total assets | 42.9590% | 6,105 |
| Net loans and leases to deposits | 60.8073% | 5,065 |
| Net loans and leases to core deposits | 71.1039% | 4,276 |
| Total domestic deposits to total assets | 70.6477% | 6,951 |
| Equity capital to assets | 13.5189% | 1,232 |
| Core capital (leverage) ratio | 10.6167% | 2,627 |
| Tier 1 risk-based capital ratio | 18.7822% | 2,058 |
| Total risk-based capital ratio | 19.8943% | 2,064 |
| Memoranda: | ||
| Average total assets | $9,678,065,500 | 112 |
| Average earning assets | $8,469,288,500 | 117 |
| Average equity | $1,312,986,000 | 107 |
| Average total loans | $4,288,571,000 | 134 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 6,236 |
| Cost of funding earning assets | 0.8704% | 4,322 |
| Net interest margin | 3.2526% | 5,952 |
| Noninterest income to average assets | 1.6073% | 522 |
| Noninterest expense to average assets | 2.7350% | 4,606 |
| Loan and lease loss provision to assets | 0.0814% | 5,595 |
| Net operating income to assets | 1.0878% | 1,875 |
| Return on assets (ROA) | 1.1622% | 1,737 |
| Pretax return on assets | 1.7455% | 903 |
| Return on Equity (ROE) | 8.9991% | 2,448 |
| Retained earnings to average equity (ytd only) | 5.5630% | 2,262 |
| Net charge-offs to loans | 0.3066% | 3,866 |
| Credit loss provision to net charge-offs | 57.1727% | 5,238 |
| Earnings coverage of net charge-offs (x) | 12.0507% | 1,655 |
| Efficiency ratio | 60.2840% | 5,708 |
| Assets per employee ($millions) | 3.3329% | 5,425 |
| Cash dividends to net income (ytd only)* | 38.1834% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 4,546 |
| Loan loss allowance to noncurrent loans | 63.9963% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.4470% | 3,816 |
| Noncurrent loans to loans | 2.1603% | 2,995 |
| Net loans and leases to total assets | 44.4765% | 6,163 |
| Net loans and leases to deposits | 65.3479% | 4,827 |
| Net loans and leases to core deposits | 76.6654% | 3,881 |
| Total domestic deposits to total assets | 68.0611% | 7,069 |
| Equity capital to assets | 13.6149% | 1,213 |
| Core capital (leverage) ratio | 10.6456% | 2,567 |
| Tier 1 risk-based capital ratio | 18.4547% | 2,061 |
| Total risk-based capital ratio | 19.6421% | 2,041 |
| Memoranda: | ||
| Average total assets | $9,757,492,400 | 109 |
| Average earning assets | $8,530,132,200 | 112 |
| Average equity | $1,260,121,600 | 108 |
| Average total loans | $4,530,646,800 | 129 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1749% | 6,264 |
| Cost of funding earning assets | 0.8882% | 4,484 |
| Net interest margin | 3.2867% | 5,896 |
| Noninterest income to average assets | 1.5881% | 521 |
| Noninterest expense to average assets | 2.7610% | 4,493 |
| Loan and lease loss provision to assets | 0.0521% | 5,799 |
| Net operating income to assets | 1.0962% | 1,986 |
| Return on assets (ROA) | 1.1536% | 1,919 |
| Pretax return on assets | 1.7337% | 1,073 |
| Return on Equity (ROE) | 9.0532% | 2,574 |
| Retained earnings to average equity (ytd only) | 5.7190% | 2,732 |
| Net charge-offs to loans | 0.3206% | 3,501 |
| Credit loss provision to net charge-offs | 34.7443% | 5,346 |
| Earnings coverage of net charge-offs (x) | 11.3415% | 1,815 |
| Efficiency ratio | 60.7371% | 5,601 |
| Assets per employee ($millions) | 3.0547% | 6,000 |
| Cash dividends to net income (ytd only)* | 36.8289% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,850 |
| Loan loss allowance to noncurrent loans | 72.4654% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.6362% | 3,634 |
| Noncurrent loans to loans | 1.8407% | 3,580 |
| Net loans and leases to total assets | 45.5473% | 6,185 |
| Net loans and leases to deposits | 67.6684% | 4,668 |
| Net loans and leases to core deposits | 79.7027% | 3,683 |
| Total domestic deposits to total assets | 67.3096% | 7,165 |
| Equity capital to assets | 13.6275% | 1,314 |
| Core capital (leverage) ratio | 10.1723% | 3,219 |
| Tier 1 risk-based capital ratio | 17.9119% | 2,285 |
| Total risk-based capital ratio | 19.0627% | 2,293 |
| Memoranda: | ||
| Average total assets | $9,791,379,500 | 108 |
| Average earning assets | $8,559,157,000 | 112 |
| Average equity | $1,247,648,500 | 106 |
| Average total loans | $4,578,433,750 | 129 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 6,317 |
| Cost of funding earning assets | 0.8991% | 4,682 |
| Net interest margin | 3.2838% | 5,909 |
| Noninterest income to average assets | 1.5940% | 511 |
| Noninterest expense to average assets | 2.6882% | 4,864 |
| Loan and lease loss provision to assets | -0.0071% | 7,362 |
| Net operating income to assets | 1.1847% | 1,618 |
| Return on assets (ROA) | 1.2114% | 1,620 |
| Pretax return on assets | 1.8281% | 829 |
| Return on Equity (ROE) | 9.7247% | 2,223 |
| Retained earnings to average equity (ytd only) | 6.6191% | 2,072 |
| Net charge-offs to loans | 0.2705% | 3,531 |
| Credit loss provision to net charge-offs | -5.5653% | 6,172 |
| Earnings coverage of net charge-offs (x) | 14.0180% | 1,506 |
| Efficiency ratio | 59.0182% | 6,025 |
| Assets per employee ($millions) | 2.9836% | 6,121 |
| Cash dividends to net income (ytd only)* | 31.9350% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 5,028 |
| Loan loss allowance to noncurrent loans | 138.2296% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 1.1894% | 4,515 |
| Noncurrent loans to loans | 0.9452% | 5,088 |
| Net loans and leases to total assets | 46.0577% | 6,264 |
| Net loans and leases to deposits | 69.3959% | 4,511 |
| Net loans and leases to core deposits | 81.6255% | 3,559 |
| Total domestic deposits to total assets | 66.3695% | 7,253 |
| Equity capital to assets | 13.1289% | 1,458 |
| Core capital (leverage) ratio | 9.8115% | 3,508 |
| Tier 1 risk-based capital ratio | 17.0070% | 2,516 |
| Total risk-based capital ratio | 18.1256% | 2,546 |
| Memoranda: | ||
| Average total assets | $9,874,231,670 | 109 |
| Average earning assets | $8,644,290,330 | 112 |
| Average equity | $1,230,049,330 | 108 |
| Average total loans | $4,636,158,330 | 130 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 6,457 |
| Cost of funding earning assets | 0.9051% | 4,878 |
| Net interest margin | 3.2170% | 6,021 |
| Noninterest income to average assets | 1.5687% | 531 |
| Noninterest expense to average assets | 2.6532% | 5,020 |
| Loan and lease loss provision to assets | 0.1168% | 4,547 |
| Net operating income to assets | 1.0761% | 1,925 |
| Return on assets (ROA) | 1.1045% | 1,877 |
| Pretax return on assets | 1.6649% | 1,048 |
| Return on Equity (ROE) | 9.1069% | 2,436 |
| Retained earnings to average equity (ytd only) | 8.1121% | 1,691 |
| Net charge-offs to loans | 0.2153% | 3,225 |
| Credit loss provision to net charge-offs | 115.2321% | 2,342 |
| Earnings coverage of net charge-offs (x) | 17.1495% | 1,232 |
| Efficiency ratio | 59.2717% | 6,084 |
| Assets per employee ($millions) | 3.1572% | 5,826 |
| Cash dividends to net income (ytd only)* | 10.9226% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4167% | 4,578 |
| Loan loss allowance to noncurrent loans | 87.9017% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 4,672 |
| Noncurrent loans to loans | 1.6117% | 4,068 |
| Net loans and leases to total assets | 45.8569% | 6,300 |
| Net loans and leases to deposits | 71.1376% | 4,177 |
| Net loans and leases to core deposits | 83.9042% | 3,172 |
| Total domestic deposits to total assets | 64.4623% | 7,362 |
| Equity capital to assets | 12.1284% | 1,843 |
| Core capital (leverage) ratio | 9.5461% | 3,735 |
| Tier 1 risk-based capital ratio | 16.3811% | 2,717 |
| Total risk-based capital ratio | 17.6060% | 2,696 |
| Memoranda: | ||
| Average total assets | $9,946,620,000 | 109 |
| Average earning assets | $8,728,669,000 | 110 |
| Average equity | $1,206,388,500 | 112 |
| Average total loans | $4,683,993,000 | 130 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 6,097 |
| Cost of funding earning assets | 1.0690% | 5,321 |
| Net interest margin | 3.5358% | 5,090 |
| Noninterest income to average assets | 1.6356% | 544 |
| Noninterest expense to average assets | 3.0276% | 3,743 |
| Loan and lease loss provision to assets | 0.1874% | 5,356 |
| Net operating income to assets | 0.9673% | 2,142 |
| Return on assets (ROA) | 1.1271% | 1,696 |
| Pretax return on assets | 1.7536% | 842 |
| Return on Equity (ROE) | 9.2034% | 2,218 |
| Retained earnings to average equity (ytd only) | 6.2866% | 1,672 |
| Net charge-offs to loans | 0.4436% | 3,844 |
| Credit loss provision to net charge-offs | 84.9347% | 5,345 |
| Earnings coverage of net charge-offs (x) | 7.6634% | 2,087 |
| Efficiency ratio | 63.0516% | 5,503 |
| Assets per employee ($millions) | 3.0560% | 5,985 |
| Cash dividends to net income (ytd only)* | 31.6929% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 4,471 |
| Loan loss allowance to noncurrent loans | 85.6671% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 1.1655% | 4,679 |
| Noncurrent loans to loans | 1.6427% | 4,040 |
| Net loans and leases to total assets | 47.0096% | 6,477 |
| Net loans and leases to deposits | 74.0211% | 4,184 |
| Net loans and leases to core deposits | 87.3843% | 3,136 |
| Total domestic deposits to total assets | 63.5084% | 7,451 |
| Equity capital to assets | 12.1288% | 1,838 |
| Core capital (leverage) ratio | 9.2899% | 4,023 |
| Tier 1 risk-based capital ratio | 15.6084% | 2,944 |
| Total risk-based capital ratio | 16.8018% | 2,940 |
| Memoranda: | ||
| Average total assets | $9,615,901,000 | 113 |
| Average earning assets | $8,384,922,600 | 115 |
| Average equity | $1,177,646,800 | 108 |
| Average total loans | $4,783,940,800 | 127 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 6,116 |
| Cost of funding earning assets | 1.1013% | 5,409 |
| Net interest margin | 3.5712% | 5,012 |
| Noninterest income to average assets | 1.6343% | 525 |
| Noninterest expense to average assets | 3.1695% | 3,030 |
| Loan and lease loss provision to assets | 0.1621% | 5,414 |
| Net operating income to assets | 0.9561% | 2,390 |
| Return on assets (ROA) | 1.1752% | 1,754 |
| Pretax return on assets | 1.7359% | 1,037 |
| Return on Equity (ROE) | 9.5721% | 2,295 |
| Retained earnings to average equity (ytd only) | 6.7784% | 1,951 |
| Net charge-offs to loans | 0.4470% | 3,521 |
| Credit loss provision to net charge-offs | 72.1312% | 5,361 |
| Earnings coverage of net charge-offs (x) | 7.0104% | 2,403 |
| Efficiency ratio | 65.6889% | 4,927 |
| Assets per employee ($millions) | 3.1377% | 5,834 |
| Cash dividends to net income (ytd only)* | 29.1856% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 4,689 |
| Loan loss allowance to noncurrent loans | 112.7352% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 5,168 |
| Noncurrent loans to loans | 1.2035% | 4,835 |
| Net loans and leases to total assets | 46.9575% | 6,616 |
| Net loans and leases to deposits | 75.7627% | 4,222 |
| Net loans and leases to core deposits | 89.4872% | 3,168 |
| Total domestic deposits to total assets | 61.9797% | 7,560 |
| Equity capital to assets | 12.0960% | 2,092 |
| Core capital (leverage) ratio | 9.7053% | 3,615 |
| Tier 1 risk-based capital ratio | 15.1491% | 3,181 |
| Total risk-based capital ratio | 16.3069% | 3,215 |
| Memoranda: | ||
| Average total assets | $9,562,884,000 | 113 |
| Average earning assets | $8,330,575,750 | 111 |
| Average equity | $1,174,053,750 | 106 |
| Average total loans | $4,808,417,250 | 126 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 5,979 |
| Cost of funding earning assets | 1.1465% | 5,427 |
| Net interest margin | 3.6028% | 4,799 |
| Noninterest income to average assets | 1.6428% | 473 |
| Noninterest expense to average assets | 3.3444% | 2,417 |
| Loan and lease loss provision to assets | 0.1653% | 5,235 |
| Net operating income to assets | 0.8299% | 2,825 |
| Return on assets (ROA) | 1.1606% | 1,731 |
| Pretax return on assets | 1.7637% | 941 |
| Return on Equity (ROE) | 9.4041% | 2,316 |
| Retained earnings to average equity (ytd only) | 6.2539% | 2,199 |
| Net charge-offs to loans | 0.5385% | 2,913 |
| Credit loss provision to net charge-offs | 59.9261% | 5,203 |
| Earnings coverage of net charge-offs (x) | 5.1758% | 2,731 |
| Efficiency ratio | 68.9670% | 4,387 |
| Assets per employee ($millions) | 2.9487% | 6,249 |
| Cash dividends to net income (ytd only)* | 33.4981% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 4,730 |
| Loan loss allowance to noncurrent loans | 136.9629% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 5,379 |
| Noncurrent loans to loans | 0.9786% | 5,351 |
| Net loans and leases to total assets | 49.8610% | 6,447 |
| Net loans and leases to deposits | 75.8636% | 4,363 |
| Net loans and leases to core deposits | 90.4218% | 3,197 |
| Total domestic deposits to total assets | 65.7245% | 7,538 |
| Equity capital to assets | 12.5701% | 1,759 |
| Core capital (leverage) ratio | 9.7325% | 3,493 |
| Tier 1 risk-based capital ratio | 14.6173% | 3,373 |
| Total risk-based capital ratio | 15.7550% | 3,408 |
| Memoranda: | ||
| Average total assets | $9,414,119,670 | 113 |
| Average earning assets | $8,177,394,670 | 111 |
| Average equity | $1,161,834,670 | 105 |
| Average total loans | $4,822,987,670 | 127 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 5,386 |
| Cost of funding earning assets | 1.1553% | 5,632 |
| Net interest margin | 3.7600% | 3,963 |
| Noninterest income to average assets | 1.5212% | 521 |
| Noninterest expense to average assets | 3.7413% | 1,430 |
| Loan and lease loss provision to assets | 0.2687% | 3,876 |
| Net operating income to assets | 0.5071% | 4,359 |
| Return on assets (ROA) | 1.1276% | 1,822 |
| Pretax return on assets | 1.7150% | 1,031 |
| Return on Equity (ROE) | 9.2226% | 2,418 |
| Retained earnings to average equity (ytd only) | 4.0030% | 3,749 |
| Net charge-offs to loans | 0.5272% | 2,485 |
| Credit loss provision to net charge-offs | 98.7954% | 3,478 |
| Earnings coverage of net charge-offs (x) | 3.8373% | 2,767 |
| Efficiency ratio | 77.0907% | 3,049 |
| Assets per employee ($millions) | 2.6201% | 7,000 |
| Cash dividends to net income (ytd only)* | 56.5952% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 4,218 |
| Loan loss allowance to noncurrent loans | 159.2033% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7473% | 5,661 |
| Noncurrent loans to loans | 0.9034% | 5,507 |
| Net loans and leases to total assets | 53.2209% | 6,125 |
| Net loans and leases to deposits | 76.7770% | 4,266 |
| Net loans and leases to core deposits | 91.9235% | 3,117 |
| Total domestic deposits to total assets | 69.3188% | 7,457 |
| Equity capital to assets | 12.9108% | 1,558 |
| Core capital (leverage) ratio | 9.0472% | 4,479 |
| Tier 1 risk-based capital ratio | 14.3835% | 3,446 |
| Total risk-based capital ratio | 15.6283% | 3,411 |
| Memoranda: | ||
| Average total assets | $9,401,853,000 | 112 |
| Average earning assets | $8,160,641,500 | 113 |
| Average equity | $1,149,526,500 | 101 |
| Average total loans | $4,849,411,500 | 126 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 6,110 |
| Cost of funding earning assets | 1.2688% | 6,412 |
| Net interest margin | 3.8257% | 3,596 |
| Noninterest income to average assets | 1.5961% | 564 |
| Noninterest expense to average assets | 2.6625% | 5,542 |
| Loan and lease loss provision to assets | 0.2979% | 5,050 |
| Net operating income to assets | 1.2692% | 1,092 |
| Return on assets (ROA) | 1.2940% | 1,096 |
| Pretax return on assets | 2.0071% | 396 |
| Return on Equity (ROE) | 11.7986% | 1,213 |
| Retained earnings to average equity (ytd only) | 7.7001% | 773 |
| Net charge-offs to loans | 0.5190% | 3,703 |
| Credit loss provision to net charge-offs | 115.0983% | 4,743 |
| Earnings coverage of net charge-offs (x) | 8.7548% | 1,901 |
| Efficiency ratio | 53.0075% | 7,319 |
| Assets per employee ($millions) | 2.8811% | 6,491 |
| Cash dividends to net income (ytd only)* | 34.7371% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 4,167 |
| Loan loss allowance to noncurrent loans | 191.2667% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5033% | 6,196 |
| Noncurrent loans to loans | 0.7382% | 5,779 |
| Net loans and leases to total assets | 48.7120% | 6,757 |
| Net loans and leases to deposits | 81.4632% | 3,702 |
| Net loans and leases to core deposits | 113.1249% | 2,583 |
| Total domestic deposits to total assets | 59.7963% | 7,806 |
| Equity capital to assets | 11.6127% | 2,239 |
| Core capital (leverage) ratio | 8.5873% | 5,122 |
| Tier 1 risk-based capital ratio | 13.6164% | 3,744 |
| Total risk-based capital ratio | 14.8137% | 3,726 |
| Memoranda: | ||
| Average total assets | $10,037,741,000 | 107 |
| Average earning assets | $8,744,073,400 | 106 |
| Average equity | $1,100,918,600 | 103 |
| Average total loans | $5,006,652,600 | 126 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1490% | 6,114 |
| Cost of funding earning assets | 1.3172% | 6,502 |
| Net interest margin | 3.8319% | 3,515 |
| Noninterest income to average assets | 1.5493% | 622 |
| Noninterest expense to average assets | 2.6898% | 5,372 |
| Loan and lease loss provision to assets | 0.2465% | 4,981 |
| Net operating income to assets | 1.2749% | 1,276 |
| Return on assets (ROA) | 1.3078% | 1,275 |
| Pretax return on assets | 2.0012% | 539 |
| Return on Equity (ROE) | 12.0986% | 1,331 |
| Retained earnings to average equity (ytd only) | 8.0044% | 1,134 |
| Net charge-offs to loans | 0.5238% | 3,120 |
| Credit loss provision to net charge-offs | 94.1191% | 5,367 |
| Earnings coverage of net charge-offs (x) | 8.3904% | 2,251 |
| Efficiency ratio | 54.0274% | 7,233 |
| Assets per employee ($millions) | 3.0382% | 6,066 |
| Cash dividends to net income (ytd only)* | 33.8409% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 4,577 |
| Loan loss allowance to noncurrent loans | 113.3356% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6966% | 5,739 |
| Noncurrent loans to loans | 1.1368% | 5,045 |
| Net loans and leases to total assets | 49.8383% | 6,792 |
| Net loans and leases to deposits | 85.3966% | 3,432 |
| Net loans and leases to core deposits | 119.0873% | 2,326 |
| Total domestic deposits to total assets | 58.3611% | 7,901 |
| Equity capital to assets | 11.4174% | 2,659 |
| Core capital (leverage) ratio | 8.6656% | 5,195 |
| Tier 1 risk-based capital ratio | 13.0664% | 4,143 |
| Total risk-based capital ratio | 14.1669% | 4,187 |
| Memoranda: | ||
| Average total assets | $10,069,424,750 | 113 |
| Average earning assets | $8,770,635,750 | 113 |
| Average equity | $1,088,414,000 | 111 |
| Average total loans | $5,034,069,000 | 129 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2711% | 5,788 |
| Cost of funding earning assets | 1.3933% | 6,503 |
| Net interest margin | 3.8778% | 3,216 |
| Noninterest income to average assets | 1.4417% | 720 |
| Noninterest expense to average assets | 2.6460% | 5,577 |
| Loan and lease loss provision to assets | 0.2269% | 4,761 |
| Net operating income to assets | 1.2632% | 1,322 |
| Return on assets (ROA) | 1.3105% | 1,282 |
| Pretax return on assets | 2.0091% | 551 |
| Return on Equity (ROE) | 12.3489% | 1,325 |
| Retained earnings to average equity (ytd only) | 9.3907% | 840 |
| Net charge-offs to loans | 0.6010% | 2,537 |
| Credit loss provision to net charge-offs | 75.7719% | 5,302 |
| Earnings coverage of net charge-offs (x) | 7.2236% | 2,472 |
| Efficiency ratio | 53.9972% | 7,332 |
| Assets per employee ($millions) | 3.0145% | 6,088 |
| Cash dividends to net income (ytd only)* | 23.9551% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 4,678 |
| Loan loss allowance to noncurrent loans | 97.1949% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 5,383 |
| Noncurrent loans to loans | 1.2745% | 4,650 |
| Net loans and leases to total assets | 51.0523% | 6,778 |
| Net loans and leases to deposits | 86.1337% | 3,534 |
| Net loans and leases to core deposits | 119.6848% | 2,399 |
| Total domestic deposits to total assets | 59.2710% | 7,957 |
| Equity capital to assets | 11.5448% | 2,514 |
| Core capital (leverage) ratio | 8.0542% | 6,236 |
| Tier 1 risk-based capital ratio | 12.7131% | 4,352 |
| Total risk-based capital ratio | 13.7699% | 4,426 |
| Memoranda: | ||
| Average total assets | $10,143,603,000 | 115 |
| Average earning assets | $8,809,098,330 | 115 |
| Average equity | $1,076,465,670 | 115 |
| Average total loans | $5,054,898,000 | 135 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2430% | 6,143 |
| Cost of funding earning assets | 1.5035% | 6,390 |
| Net interest margin | 3.7395% | 3,712 |
| Noninterest income to average assets | 1.3424% | 794 |
| Noninterest expense to average assets | 2.3961% | 6,201 |
| Loan and lease loss provision to assets | 0.2126% | 4,318 |
| Net operating income to assets | 1.3008% | 1,381 |
| Return on assets (ROA) | 1.1503% | 1,925 |
| Pretax return on assets | 1.7621% | 1,056 |
| Return on Equity (ROE) | 11.2975% | 1,884 |
| Retained earnings to average equity (ytd only) | 11.2975% | 923 |
| Net charge-offs to loans | 0.7783% | 1,654 |
| Credit loss provision to net charge-offs | 55.7661% | 4,589 |
| Earnings coverage of net charge-offs (x) | 5.7880% | 2,606 |
| Efficiency ratio | 51.0294% | 7,509 |
| Assets per employee ($millions) | 3.1770% | 5,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,682 |
| Loan loss allowance to noncurrent loans | 69.6825% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.0707% | 4,550 |
| Noncurrent loans to loans | 1.7467% | 3,644 |
| Net loans and leases to total assets | 48.4846% | 6,986 |
| Net loans and leases to deposits | 87.4160% | 3,397 |
| Net loans and leases to core deposits | 121.4614% | 2,295 |
| Total domestic deposits to total assets | 55.4642% | 8,049 |
| Equity capital to assets | 10.6096% | 3,362 |
| Core capital (leverage) ratio | 7.3975% | 7,276 |
| Tier 1 risk-based capital ratio | 12.2135% | 4,780 |
| Total risk-based capital ratio | 13.2446% | 4,853 |
| Memoranda: | ||
| Average total assets | $10,410,262,500 | 114 |
| Average earning assets | $9,075,079,000 | 116 |
| Average equity | $1,059,955,000 | 117 |
| Average total loans | $5,098,442,000 | 136 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7010% | 6,776 |
| Cost of funding earning assets | 2.1992% | 5,600 |
| Net interest margin | 3.5018% | 5,290 |
| Noninterest income to average assets | 1.5664% | 573 |
| Noninterest expense to average assets | 2.7243% | 5,157 |
| Loan and lease loss provision to assets | 0.1868% | 5,022 |
| Net operating income to assets | 1.1084% | 2,113 |
| Return on assets (ROA) | 1.1508% | 1,866 |
| Pretax return on assets | 1.7604% | 1,023 |
| Return on Equity (ROE) | 11.5140% | 1,748 |
| Retained earnings to average equity (ytd only) | 5.9070% | 1,570 |
| Net charge-offs to loans | 0.1396% | 4,828 |
| Credit loss provision to net charge-offs | 257.8873% | 1,796 |
| Earnings coverage of net charge-offs (x) | 25.9847% | 1,309 |
| Efficiency ratio | 58.0533% | 6,687 |
| Assets per employee ($millions) | 3.2542% | 5,326 |
| Cash dividends to net income (ytd only)* | 48.6971% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 4,095 |
| Loan loss allowance to noncurrent loans | 39.0158% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 1.7569% | 2,780 |
| Noncurrent loans to loans | 3.2151% | 1,632 |
| Net loans and leases to total assets | 48.2598% | 7,168 |
| Net loans and leases to deposits | 88.4406% | 3,731 |
| Net loans and leases to core deposits | 121.4324% | 2,563 |
| Total domestic deposits to total assets | 54.5675% | 8,080 |
| Equity capital to assets | 9.7723% | 4,326 |
| Core capital (leverage) ratio | 7.5411% | 7,152 |
| Tier 1 risk-based capital ratio | 11.3368% | 5,403 |
| Total risk-based capital ratio | 12.3894% | 5,489 |
| Memoranda: | ||
| Average total assets | $9,724,378,200 | 114 |
| Average earning assets | $8,441,746,600 | 114 |
| Average equity | $971,898,200 | 116 |
| Average total loans | $5,046,527,800 | 132 |