| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5746% | 2,958 |
| Cost of funding earning assets | 2.1493% | 700 |
| Net interest margin | 2.4253% | 4,165 |
| Noninterest income to average assets | 1.0800% | 561 |
| Noninterest expense to average assets | 2.1798% | 3,183 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 0.6817% | 3,238 |
| Return on assets (ROA) | 0.6820% | 3,215 |
| Pretax return on assets | 0.8403% | 3,113 |
| Return on Equity (ROE) | 9.3600% | 2,676 |
| Retained earnings to average equity (ytd only) | 4.4664% | 2,808 |
| Net charge-offs to loans | 0.2084% | 518 |
| Credit loss provision to net charge-offs | 167.7014% | 1,362 |
| Earnings coverage of net charge-offs (x) | 8.4171% | 2,344 |
| Efficiency ratio | 65.8935% | 2,368 |
| Assets per employee ($millions) | 10.4099% | 632 |
| Cash dividends to net income (ytd only)* | 52.2581% | 1,536 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3442% | 1,594 |
| Loan loss allowance to noncurrent loans | 220.5294% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 1,439 |
| Noncurrent loans to loans | 0.6096% | 1,293 |
| Net loans and leases to total assets | 60.2000% | 2,826 |
| Net loans and leases to deposits | 75.3409% | 2,517 |
| Net loans and leases to core deposits | 79.4626% | 2,738 |
| Total domestic deposits to total assets | 79.9000% | 3,479 |
| Equity capital to assets | 7.9555% | 3,453 |
| Core capital (leverage) ratio | 9.2196% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1570% | 1,813 |
| Memoranda: |
| Average total assets | $189,405,159,000 | 19 |
| Average earning assets | $171,729,318,800 | 19 |
| Average equity | $13,806,882,800 | 22 |
| Average total loans | $118,592,724,400 | 19 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5005% | 2,917 |
| Cost of funding earning assets | 2.0450% | 655 |
| Net interest margin | 2.4555% | 4,188 |
| Noninterest income to average assets | 1.0800% | 567 |
| Noninterest expense to average assets | 2.0507% | 3,467 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.7897% | 3,052 |
| Return on assets (ROA) | 0.7918% | 3,046 |
| Pretax return on assets | 0.9900% | 2,884 |
| Return on Equity (ROE) | 11.1100% | 2,346 |
| Retained earnings to average equity (ytd only) | 5.9489% | 2,652 |
| Net charge-offs to loans | 0.1900% | 461 |
| Credit loss provision to net charge-offs | 186.5631% | 1,168 |
| Earnings coverage of net charge-offs (x) | 10.5156% | 2,121 |
| Efficiency ratio | 61.3745% | 2,798 |
| Assets per employee ($millions) | 10.1716% | 627 |
| Cash dividends to net income (ytd only)* | 46.4568% | 1,397 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2906% | 1,910 |
| Loan loss allowance to noncurrent loans | 291.1356% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 1,842 |
| Noncurrent loans to loans | 0.4433% | 1,718 |
| Net loans and leases to total assets | 62.0400% | 2,655 |
| Net loans and leases to deposits | 78.1860% | 2,232 |
| Net loans and leases to core deposits | 82.5765% | 2,432 |
| Total domestic deposits to total assets | 79.3500% | 3,629 |
| Equity capital to assets | 7.1903% | 3,517 |
| Core capital (leverage) ratio | 8.9778% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7070% | 2,001 |
| Memoranda: |
| Average total assets | $190,283,852,250 | 19 |
| Average earning assets | $172,542,856,750 | 19 |
| Average equity | $13,561,474,000 | 23 |
| Average total loans | $119,884,043,250 | 18 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3646% | 2,971 |
| Cost of funding earning assets | 1.8403% | 688 |
| Net interest margin | 2.5243% | 4,186 |
| Noninterest income to average assets | 1.0400% | 529 |
| Noninterest expense to average assets | 2.0417% | 3,487 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | 0.7839% | 3,131 |
| Return on assets (ROA) | 0.7859% | 3,133 |
| Pretax return on assets | 0.9776% | 2,978 |
| Return on Equity (ROE) | 11.0600% | 2,400 |
| Retained earnings to average equity (ytd only) | 6.2918% | 2,514 |
| Net charge-offs to loans | 0.1647% | 476 |
| Credit loss provision to net charge-offs | 240.7218% | 973 |
| Earnings coverage of net charge-offs (x) | 12.4647% | 1,938 |
| Efficiency ratio | 60.6190% | 2,884 |
| Assets per employee ($millions) | 10.4614% | 583 |
| Cash dividends to net income (ytd only)* | 43.1080% | 1,576 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2429% | 2,209 |
| Loan loss allowance to noncurrent loans | 282.4251% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 1,772 |
| Noncurrent loans to loans | 0.4401% | 1,623 |
| Net loans and leases to total assets | 61.7400% | 2,599 |
| Net loans and leases to deposits | 80.3224% | 1,949 |
| Net loans and leases to core deposits | 86.4903% | 2,032 |
| Total domestic deposits to total assets | 76.8700% | 3,963 |
| Equity capital to assets | 7.1306% | 3,722 |
| Core capital (leverage) ratio | 8.7155% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9076% | 2,328 |
| Memoranda: |
| Average total assets | $191,854,712,000 | 19 |
| Average earning assets | $174,161,707,667 | 19 |
| Average equity | $13,634,271,667 | 24 |
| Average total loans | $120,967,791,667 | 18 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1659% | 3,108 |
| Cost of funding earning assets | 1.4969% | 852 |
| Net interest margin | 2.6690% | 4,116 |
| Noninterest income to average assets | 1.0300% | 549 |
| Noninterest expense to average assets | 2.1228% | 3,325 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.8346% | 3,075 |
| Return on assets (ROA) | 0.8373% | 3,019 |
| Pretax return on assets | 1.0366% | 2,897 |
| Return on Equity (ROE) | 11.8000% | 2,272 |
| Retained earnings to average equity (ytd only) | 7.3831% | 2,397 |
| Net charge-offs to loans | 0.1504% | 456 |
| Credit loss provision to net charge-offs | 192.5689% | 844 |
| Earnings coverage of net charge-offs (x) | 13.9111% | 1,577 |
| Efficiency ratio | 61.0101% | 2,824 |
| Assets per employee ($millions) | 10.5812% | 587 |
| Cash dividends to net income (ytd only)* | 37.4419% | 1,527 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1513% | 2,816 |
| Loan loss allowance to noncurrent loans | 280.0158% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 1,802 |
| Noncurrent loans to loans | 0.4111% | 1,700 |
| Net loans and leases to total assets | 61.5800% | 2,505 |
| Net loans and leases to deposits | 81.5459% | 1,699 |
| Net loans and leases to core deposits | 87.2062% | 1,788 |
| Total domestic deposits to total assets | 75.5100% | 4,189 |
| Equity capital to assets | 7.2354% | 3,711 |
| Core capital (leverage) ratio | 8.8408% | 3,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5817% | 2,542 |
| Memoranda: |
| Average total assets | $191,390,578,500 | 21 |
| Average earning assets | $173,699,083,000 | 21 |
| Average equity | $13,578,153,000 | 26 |
| Average total loans | $121,190,141,500 | 19 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2198% | 3,782 |
| Cost of funding earning assets | 0.4321% | 1,846 |
| Net interest margin | 2.7877% | 3,916 |
| Noninterest income to average assets | 1.2400% | 444 |
| Noninterest expense to average assets | 2.0713% | 3,382 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.1493% | 1,974 |
| Return on assets (ROA) | 1.1530% | 1,903 |
| Pretax return on assets | 1.4206% | 1,711 |
| Return on Equity (ROE) | 14.8200% | 1,305 |
| Retained earnings to average equity (ytd only) | 11.5099% | 776 |
| Net charge-offs to loans | 0.1453% | 565 |
| Credit loss provision to net charge-offs | 265.5032% | 973 |
| Earnings coverage of net charge-offs (x) | 18.9473% | 1,921 |
| Efficiency ratio | 54.4516% | 3,752 |
| Assets per employee ($millions) | 10.1422% | 647 |
| Cash dividends to net income (ytd only)* | 22.3163% | 2,794 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1242% | 2,762 |
| Loan loss allowance to noncurrent loans | 285.2077% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 1,832 |
| Noncurrent loans to loans | 0.3942% | 1,737 |
| Net loans and leases to total assets | 63.6700% | 2,272 |
| Net loans and leases to deposits | 81.8084% | 1,632 |
| Net loans and leases to core deposits | 84.3539% | 1,857 |
| Total domestic deposits to total assets | 77.8200% | 4,109 |
| Equity capital to assets | 6.9478% | 3,698 |
| Core capital (leverage) ratio | 8.7768% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3908% | 2,614 |
| Memoranda: |
| Average total assets | $184,608,063,600 | 20 |
| Average earning assets | $166,968,169,000 | 20 |
| Average equity | $14,365,789,600 | 27 |
| Average total loans | $113,228,679,800 | 19 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9627% | 3,958 |
| Cost of funding earning assets | 0.2495% | 2,714 |
| Net interest margin | 2.7132% | 3,902 |
| Noninterest income to average assets | 1.2600% | 462 |
| Noninterest expense to average assets | 2.0484% | 3,356 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.2037% | 1,683 |
| Return on assets (ROA) | 1.2078% | 1,647 |
| Pretax return on assets | 1.4985% | 1,410 |
| Return on Equity (ROE) | 15.1100% | 1,149 |
| Retained earnings to average equity (ytd only) | 11.4798% | 924 |
| Net charge-offs to loans | 0.1473% | 447 |
| Credit loss provision to net charge-offs | 165.2045% | 1,079 |
| Earnings coverage of net charge-offs (x) | 18.6790% | 1,747 |
| Efficiency ratio | 54.4967% | 3,775 |
| Assets per employee ($millions) | 10.1992% | 617 |
| Cash dividends to net income (ytd only)* | 24.0156% | 2,302 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9907% | 3,529 |
| Loan loss allowance to noncurrent loans | 250.0428% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 1,920 |
| Noncurrent loans to loans | 0.3962% | 1,821 |
| Net loans and leases to total assets | 62.0800% | 2,277 |
| Net loans and leases to deposits | 78.4871% | 1,675 |
| Net loans and leases to core deposits | 80.2562% | 1,881 |
| Total domestic deposits to total assets | 79.1000% | 4,171 |
| Equity capital to assets | 6.7394% | 3,645 |
| Core capital (leverage) ratio | 8.7145% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2031% | 2,749 |
| Memoranda: |
| Average total assets | $183,862,463,250 | 20 |
| Average earning assets | $166,284,696,250 | 20 |
| Average equity | $14,698,871,250 | 28 |
| Average total loans | $111,337,998,250 | 18 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7361% | 4,091 |
| Cost of funding earning assets | 0.1361% | 3,759 |
| Net interest margin | 2.6000% | 3,911 |
| Noninterest income to average assets | 1.2643% | 444 |
| Noninterest expense to average assets | 2.0298% | 3,352 |
| Loan and lease loss provision to assets | 0.1401% | 686 |
| Net operating income to assets | 1.1689% | 1,541 |
| Return on assets (ROA) | 1.1737% | 1,503 |
| Pretax return on assets | 1.4513% | 1,305 |
| Return on Equity (ROE) | 13.9315% | 1,128 |
| Retained earnings to average equity (ytd only) | 8.7304% | 1,366 |
| Net charge-offs to loans | 0.1451% | 445 |
| Credit loss provision to net charge-offs | 145.5155% | 1,106 |
| Earnings coverage of net charge-offs (x) | 18.2789% | 1,584 |
| Efficiency ratio | 55.4711% | 3,828 |
| Assets per employee ($millions) | 10.0072% | 656 |
| Cash dividends to net income (ytd only)* | 37.3331% | 1,823 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9831% | 3,673 |
| Loan loss allowance to noncurrent loans | 221.2648% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 1,870 |
| Noncurrent loans to loans | 0.4443% | 1,790 |
| Net loans and leases to total assets | 61.2276% | 2,196 |
| Net loans and leases to deposits | 75.6791% | 1,709 |
| Net loans and leases to core deposits | 75.9898% | 2,017 |
| Total domestic deposits to total assets | 80.9043% | 4,138 |
| Equity capital to assets | 7.6542% | 3,374 |
| Core capital (leverage) ratio | 8.6036% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7235% | 2,878 |
| Memoranda: |
| Average total assets | $182,577,720,667 | 20 |
| Average earning assets | $165,169,337,667 | 21 |
| Average equity | $15,381,476,000 | 27 |
| Average total loans | $109,215,414,667 | 18 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6083% | 4,106 |
| Cost of funding earning assets | 0.1131% | 3,971 |
| Net interest margin | 2.4952% | 3,913 |
| Noninterest income to average assets | 1.2767% | 437 |
| Noninterest expense to average assets | 2.0171% | 3,391 |
| Loan and lease loss provision to assets | 0.1822% | 419 |
| Net operating income to assets | 1.1040% | 1,517 |
| Return on assets (ROA) | 1.1059% | 1,502 |
| Pretax return on assets | 1.3429% | 1,399 |
| Return on Equity (ROE) | 12.5434% | 1,145 |
| Retained earnings to average equity (ytd only) | 7.5448% | 1,720 |
| Net charge-offs to loans | 0.1293% | 434 |
| Credit loss provision to net charge-offs | 224.5284% | 744 |
| Earnings coverage of net charge-offs (x) | 20.0332% | 1,280 |
| Efficiency ratio | 56.3122% | 3,851 |
| Assets per employee ($millions) | 10.0467% | 669 |
| Cash dividends to net income (ytd only)* | 39.8502% | 1,504 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0452% | 3,550 |
| Loan loss allowance to noncurrent loans | 217.9565% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 1,917 |
| Noncurrent loans to loans | 0.4796% | 1,828 |
| Net loans and leases to total assets | 59.8437% | 2,087 |
| Net loans and leases to deposits | 70.9681% | 1,869 |
| Net loans and leases to core deposits | 71.3217% | 2,172 |
| Total domestic deposits to total assets | 84.3248% | 3,700 |
| Equity capital to assets | 8.3704% | 3,267 |
| Core capital (leverage) ratio | 8.5844% | 3,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1386% | 2,859 |
| Memoranda: |
| Average total assets | $181,529,993,500 | 20 |
| Average earning assets | $164,680,013,500 | 22 |
| Average equity | $16,004,606,500 | 27 |
| Average total loans | $106,726,274,500 | 18 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6823% | 4,331 |
| Cost of funding earning assets | 0.1302% | 4,155 |
| Net interest margin | 2.5520% | 4,118 |
| Noninterest income to average assets | 1.3895% | 568 |
| Noninterest expense to average assets | 2.1334% | 3,291 |
| Loan and lease loss provision to assets | -0.2345% | 4,737 |
| Net operating income to assets | 1.4535% | 1,127 |
| Return on assets (ROA) | 1.4579% | 1,184 |
| Pretax return on assets | 1.8170% | 879 |
| Return on Equity (ROE) | 14.9810% | 952 |
| Retained earnings to average equity (ytd only) | 3.8749% | 3,268 |
| Net charge-offs to loans | 0.1804% | 537 |
| Credit loss provision to net charge-offs | -204.5224% | 3,518 |
| Earnings coverage of net charge-offs (x) | 15.0957% | 2,009 |
| Efficiency ratio | 56.6319% | 3,622 |
| Assets per employee ($millions) | 10.6364% | 561 |
| Cash dividends to net income (ytd only)* | 74.1349% | 620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0356% | 3,611 |
| Loan loss allowance to noncurrent loans | 195.3192% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 1,974 |
| Noncurrent loans to loans | 0.5302% | 1,803 |
| Net loans and leases to total assets | 56.5624% | 2,528 |
| Net loans and leases to deposits | 67.1044% | 2,394 |
| Net loans and leases to core deposits | 67.7586% | 2,674 |
| Total domestic deposits to total assets | 84.2900% | 3,480 |
| Equity capital to assets | 9.2508% | 3,370 |
| Core capital (leverage) ratio | 8.3654% | 4,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2126% | 2,835 |
| Memoranda: |
| Average total assets | $178,111,100,200 | 18 |
| Average earning assets | $162,116,870,200 | 18 |
| Average equity | $17,332,712,800 | 21 |
| Average total loans | $103,289,921,000 | 15 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6976% | 4,408 |
| Cost of funding earning assets | 0.1342% | 4,236 |
| Net interest margin | 2.5634% | 4,189 |
| Noninterest income to average assets | 1.3538% | 649 |
| Noninterest expense to average assets | 2.1154% | 3,316 |
| Loan and lease loss provision to assets | -0.3183% | 4,831 |
| Net operating income to assets | 1.4921% | 1,289 |
| Return on assets (ROA) | 1.5006% | 1,318 |
| Pretax return on assets | 1.8968% | 955 |
| Return on Equity (ROE) | 15.2243% | 1,104 |
| Retained earnings to average equity (ytd only) | 2.3975% | 4,083 |
| Net charge-offs to loans | 0.2158% | 382 |
| Credit loss provision to net charge-offs | -226.8573% | 3,424 |
| Earnings coverage of net charge-offs (x) | 12.5003% | 1,955 |
| Efficiency ratio | 56.5511% | 3,463 |
| Assets per employee ($millions) | 11.0813% | 472 |
| Cash dividends to net income (ytd only)* | 84.2522% | 333 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1013% | 3,431 |
| Loan loss allowance to noncurrent loans | 163.1629% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 1,906 |
| Noncurrent loans to loans | 0.6749% | 1,629 |
| Net loans and leases to total assets | 54.1019% | 2,960 |
| Net loans and leases to deposits | 64.5419% | 2,790 |
| Net loans and leases to core deposits | 65.1946% | 3,021 |
| Total domestic deposits to total assets | 83.8244% | 3,501 |
| Equity capital to assets | 9.3115% | 3,548 |
| Core capital (leverage) ratio | 8.3023% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4526% | 2,873 |
| Memoranda: |
| Average total assets | $176,644,448,250 | 17 |
| Average earning assets | $160,667,849,500 | 18 |
| Average equity | $17,411,050,750 | 21 |
| Average total loans | $102,824,642,500 | 15 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7387% | 4,417 |
| Cost of funding earning assets | 0.1392% | 4,285 |
| Net interest margin | 2.5995% | 4,170 |
| Noninterest income to average assets | 1.3441% | 655 |
| Noninterest expense to average assets | 2.1326% | 3,294 |
| Loan and lease loss provision to assets | -0.3614% | 4,866 |
| Net operating income to assets | 1.5320% | 1,211 |
| Return on assets (ROA) | 1.5424% | 1,249 |
| Pretax return on assets | 1.9465% | 928 |
| Return on Equity (ROE) | 15.3480% | 1,078 |
| Retained earnings to average equity (ytd only) | 5.3384% | 3,055 |
| Net charge-offs to loans | 0.2650% | 333 |
| Credit loss provision to net charge-offs | -197.2922% | 3,197 |
| Earnings coverage of net charge-offs (x) | 9.9933% | 1,817 |
| Efficiency ratio | 56.6695% | 3,451 |
| Assets per employee ($millions) | 10.1116% | 588 |
| Cash dividends to net income (ytd only)* | 65.2174% | 796 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2141% | 2,851 |
| Loan loss allowance to noncurrent loans | 153.4082% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 1,779 |
| Noncurrent loans to loans | 0.7914% | 1,539 |
| Net loans and leases to total assets | 56.8113% | 2,801 |
| Net loans and leases to deposits | 68.2557% | 2,594 |
| Net loans and leases to core deposits | 68.9986% | 2,862 |
| Total domestic deposits to total assets | 83.2331% | 3,657 |
| Equity capital to assets | 9.8010% | 3,058 |
| Core capital (leverage) ratio | 8.5500% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8696% | 2,757 |
| Memoranda: |
| Average total assets | $173,972,778,667 | 18 |
| Average earning assets | $158,144,323,333 | 18 |
| Average equity | $17,483,219,333 | 21 |
| Average total loans | $103,427,302,667 | 14 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7800% | 4,392 |
| Cost of funding earning assets | 0.1459% | 4,334 |
| Net interest margin | 2.6342% | 4,090 |
| Noninterest income to average assets | 1.3804% | 689 |
| Noninterest expense to average assets | 2.1583% | 3,242 |
| Loan and lease loss provision to assets | -0.2176% | 4,824 |
| Net operating income to assets | 1.4578% | 1,428 |
| Return on assets (ROA) | 1.4690% | 1,461 |
| Pretax return on assets | 1.8443% | 1,206 |
| Return on Equity (ROE) | 14.4312% | 1,343 |
| Retained earnings to average equity (ytd only) | 5.8382% | 2,951 |
| Net charge-offs to loans | 0.4396% | 186 |
| Credit loss provision to net charge-offs | -65.8201% | 2,787 |
| Earnings coverage of net charge-offs (x) | 6.0775% | 1,656 |
| Efficiency ratio | 56.3381% | 3,508 |
| Assets per employee ($millions) | 10.0166% | 587 |
| Cash dividends to net income (ytd only)* | 59.5444% | 898 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4155% | 1,891 |
| Loan loss allowance to noncurrent loans | 166.9339% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 1,822 |
| Noncurrent loans to loans | 0.8480% | 1,581 |
| Net loans and leases to total assets | 58.8637% | 2,696 |
| Net loans and leases to deposits | 70.6385% | 2,444 |
| Net loans and leases to core deposits | 71.5210% | 2,744 |
| Total domestic deposits to total assets | 83.3309% | 3,608 |
| Equity capital to assets | 9.9230% | 2,774 |
| Core capital (leverage) ratio | 8.7810% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1878% | 2,595 |
| Memoranda: |
| Average total assets | $171,491,325,000 | 19 |
| Average earning assets | $155,806,743,500 | 18 |
| Average equity | $17,456,094,500 | 20 |
| Average total loans | $103,688,382,500 | 14 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2024% | 4,449 |
| Cost of funding earning assets | 0.3547% | 3,848 |
| Net interest margin | 2.8477% | 4,192 |
| Noninterest income to average assets | 1.3125% | 670 |
| Noninterest expense to average assets | 2.2286% | 3,601 |
| Loan and lease loss provision to assets | 0.6335% | 293 |
| Net operating income to assets | 0.8713% | 2,825 |
| Return on assets (ROA) | 0.8820% | 2,912 |
| Pretax return on assets | 1.0343% | 2,930 |
| Return on Equity (ROE) | 8.1758% | 2,747 |
| Retained earnings to average equity (ytd only) | 0.9889% | 4,234 |
| Net charge-offs to loans | 0.4262% | 393 |
| Credit loss provision to net charge-offs | 217.4181% | 2,082 |
| Earnings coverage of net charge-offs (x) | 6.0142% | 2,818 |
| Efficiency ratio | 56.3876% | 3,935 |
| Assets per employee ($millions) | 9.7420% | 576 |
| Cash dividends to net income (ytd only)* | 87.9041% | 454 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6069% | 1,281 |
| Loan loss allowance to noncurrent loans | 181.0059% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 1,729 |
| Noncurrent loans to loans | 0.8878% | 1,589 |
| Net loans and leases to total assets | 60.2550% | 2,830 |
| Net loans and leases to deposits | 73.1332% | 2,576 |
| Net loans and leases to core deposits | 74.0552% | 2,911 |
| Total domestic deposits to total assets | 82.3908% | 3,568 |
| Equity capital to assets | 10.4426% | 2,721 |
| Core capital (leverage) ratio | 8.8049% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0870% | 2,596 |
| Memoranda: |
| Average total assets | $161,227,481,200 | 19 |
| Average earning assets | $145,663,926,400 | 19 |
| Average equity | $17,392,956,000 | 20 |
| Average total loans | $104,196,035,000 | 13 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2852% | 4,490 |
| Cost of funding earning assets | 0.4205% | 3,700 |
| Net interest margin | 2.8646% | 4,242 |
| Noninterest income to average assets | 1.2563% | 690 |
| Noninterest expense to average assets | 2.1761% | 3,739 |
| Loan and lease loss provision to assets | 0.8374% | 203 |
| Net operating income to assets | 0.7259% | 3,367 |
| Return on assets (ROA) | 0.7346% | 3,441 |
| Pretax return on assets | 0.8378% | 3,550 |
| Return on Equity (ROE) | 6.7521% | 3,290 |
| Retained earnings to average equity (ytd only) | -0.7492% | 4,587 |
| Net charge-offs to loans | 0.3944% | 404 |
| Credit loss provision to net charge-offs | 302.4101% | 1,749 |
| Earnings coverage of net charge-offs (x) | 6.4471% | 2,648 |
| Efficiency ratio | 55.6130% | 3,970 |
| Assets per employee ($millions) | 9.9320% | 516 |
| Cash dividends to net income (ytd only)* | 111.0966% | 222 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6788% | 925 |
| Loan loss allowance to noncurrent loans | 182.9026% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6431% | 1,807 |
| Noncurrent loans to loans | 0.9179% | 1,623 |
| Net loans and leases to total assets | 61.4155% | 3,075 |
| Net loans and leases to deposits | 73.7625% | 2,982 |
| Net loans and leases to core deposits | 74.6946% | 3,264 |
| Total domestic deposits to total assets | 83.2611% | 3,075 |
| Equity capital to assets | 10.3634% | 2,908 |
| Core capital (leverage) ratio | 8.6518% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0117% | 2,607 |
| Memoranda: |
| Average total assets | $159,290,699,750 | 19 |
| Average earning assets | $143,791,811,250 | 19 |
| Average equity | $17,329,857,500 | 19 |
| Average total loans | $104,375,424,750 | 13 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4509% | 4,480 |
| Cost of funding earning assets | 0.5167% | 3,431 |
| Net interest margin | 2.9342% | 4,253 |
| Noninterest income to average assets | 1.2169% | 676 |
| Noninterest expense to average assets | 2.1729% | 3,869 |
| Loan and lease loss provision to assets | 1.0775% | 181 |
| Net operating income to assets | 0.5609% | 3,859 |
| Return on assets (ROA) | 0.5698% | 3,911 |
| Pretax return on assets | 0.6219% | 4,017 |
| Return on Equity (ROE) | 5.1496% | 3,790 |
| Retained earnings to average equity (ytd only) | -2.0887% | 4,598 |
| Net charge-offs to loans | 0.3505% | 457 |
| Credit loss provision to net charge-offs | 430.4571% | 1,342 |
| Earnings coverage of net charge-offs (x) | 7.2376% | 2,381 |
| Efficiency ratio | 55.1671% | 4,045 |
| Assets per employee ($millions) | 10.0399% | 493 |
| Cash dividends to net income (ytd only)* | 140.5603% | 233 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6072% | 992 |
| Loan loss allowance to noncurrent loans | 188.6466% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 1,954 |
| Noncurrent loans to loans | 0.8519% | 1,786 |
| Net loans and leases to total assets | 63.1284% | 2,991 |
| Net loans and leases to deposits | 76.4491% | 2,810 |
| Net loans and leases to core deposits | 77.7759% | 3,131 |
| Total domestic deposits to total assets | 82.5758% | 3,211 |
| Equity capital to assets | 10.2979% | 2,927 |
| Core capital (leverage) ratio | 8.8062% | 4,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7188% | 2,724 |
| Memoranda: |
| Average total assets | $156,063,050,000 | 19 |
| Average earning assets | $140,741,211,000 | 19 |
| Average equity | $17,269,335,333 | 19 |
| Average total loans | $103,984,550,000 | 13 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7039% | 4,388 |
| Cost of funding earning assets | 0.6814% | 3,008 |
| Net interest margin | 3.0225% | 4,244 |
| Noninterest income to average assets | 1.0381% | 790 |
| Noninterest expense to average assets | 2.1796% | 4,064 |
| Loan and lease loss provision to assets | 0.9617% | 224 |
| Net operating income to assets | 0.5637% | 3,698 |
| Return on assets (ROA) | 0.5754% | 3,735 |
| Pretax return on assets | 0.6275% | 3,875 |
| Return on Equity (ROE) | 5.0020% | 3,630 |
| Retained earnings to average equity (ytd only) | -4.3215% | 4,465 |
| Net charge-offs to loans | 0.3349% | 432 |
| Credit loss provision to net charge-offs | 399.0139% | 1,013 |
| Earnings coverage of net charge-offs (x) | 6.9197% | 1,959 |
| Efficiency ratio | 56.8522% | 4,129 |
| Assets per employee ($millions) | 9.3140% | 475 |
| Cash dividends to net income (ytd only)* | 186.3950% | 344 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3210% | 2,048 |
| Loan loss allowance to noncurrent loans | 162.0038% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.6450% | 2,069 |
| Noncurrent loans to loans | 0.8154% | 1,974 |
| Net loans and leases to total assets | 67.5896% | 2,600 |
| Net loans and leases to deposits | 87.1988% | 1,841 |
| Net loans and leases to core deposits | 89.3153% | 2,415 |
| Total domestic deposits to total assets | 77.5121% | 4,293 |
| Equity capital to assets | 11.1954% | 2,684 |
| Core capital (leverage) ratio | 9.8045% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0971% | 3,071 |
| Memoranda: |
| Average total assets | $149,191,888,000 | 19 |
| Average earning assets | $134,167,760,500 | 19 |
| Average equity | $17,160,840,500 | 17 |
| Average total loans | $101,503,613,000 | 14 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0811% | 4,083 |
| Cost of funding earning assets | 0.8986% | 2,195 |
| Net interest margin | 3.1825% | 4,225 |
| Noninterest income to average assets | 1.3788% | 506 |
| Noninterest expense to average assets | 2.3583% | 3,811 |
| Loan and lease loss provision to assets | 0.3064% | 539 |
| Net operating income to assets | 1.3187% | 1,622 |
| Return on assets (ROA) | 1.3379% | 1,626 |
| Pretax return on assets | 1.5953% | 1,496 |
| Return on Equity (ROE) | 11.6208% | 1,647 |
| Retained earnings to average equity (ytd only) | 4.2508% | 2,833 |
| Net charge-offs to loans | 0.4520% | 415 |
| Credit loss provision to net charge-offs | 102.1595% | 2,425 |
| Earnings coverage of net charge-offs (x) | 6.2686% | 2,988 |
| Efficiency ratio | 54.2470% | 4,398 |
| Assets per employee ($millions) | 8.6494% | 560 |
| Cash dividends to net income (ytd only)* | 63.4207% | 1,418 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9396% | 3,782 |
| Loan loss allowance to noncurrent loans | 110.3602% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 2,056 |
| Noncurrent loans to loans | 0.8514% | 1,810 |
| Net loans and leases to total assets | 66.9051% | 2,847 |
| Net loans and leases to deposits | 82.8348% | 2,466 |
| Net loans and leases to core deposits | 85.3491% | 2,842 |
| Total domestic deposits to total assets | 80.7691% | 3,816 |
| Equity capital to assets | 11.8345% | 2,254 |
| Core capital (leverage) ratio | 9.9093% | 3,613 |
| Tier 1 risk-based capital ratio | 10.9585% | 4,873 |
| Total risk-based capital ratio | 12.6867% | 4,535 |
| Memoranda: |
| Average total assets | $141,895,937,600 | 19 |
| Average earning assets | $127,498,471,200 | 19 |
| Average equity | $16,336,465,600 | 19 |
| Average total loans | $94,145,316,200 | 15 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1194% | 4,110 |
| Cost of funding earning assets | 0.9274% | 2,098 |
| Net interest margin | 3.1920% | 4,312 |
| Noninterest income to average assets | 1.3583% | 501 |
| Noninterest expense to average assets | 2.3686% | 3,768 |
| Loan and lease loss provision to assets | 0.3095% | 468 |
| Net operating income to assets | 1.2669% | 1,962 |
| Return on assets (ROA) | 1.2857% | 1,990 |
| Pretax return on assets | 1.5685% | 1,745 |
| Return on Equity (ROE) | 11.2471% | 1,912 |
| Retained earnings to average equity (ytd only) | 3.5909% | 3,604 |
| Net charge-offs to loans | 0.4638% | 365 |
| Credit loss provision to net charge-offs | 101.0550% | 2,230 |
| Earnings coverage of net charge-offs (x) | 6.0613% | 2,866 |
| Efficiency ratio | 54.5926% | 4,322 |
| Assets per employee ($millions) | 8.7809% | 523 |
| Cash dividends to net income (ytd only)* | 68.0724% | 1,016 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9487% | 3,833 |
| Loan loss allowance to noncurrent loans | 115.3556% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 2,265 |
| Noncurrent loans to loans | 0.8224% | 1,919 |
| Net loans and leases to total assets | 64.9999% | 3,177 |
| Net loans and leases to deposits | 81.2599% | 2,769 |
| Net loans and leases to core deposits | 83.9836% | 3,093 |
| Total domestic deposits to total assets | 79.9893% | 3,994 |
| Equity capital to assets | 11.6082% | 2,593 |
| Core capital (leverage) ratio | 9.8047% | 3,850 |
| Tier 1 risk-based capital ratio | 10.8765% | 4,960 |
| Total risk-based capital ratio | 12.6193% | 4,634 |
| Memoranda: |
| Average total assets | $141,522,354,750 | 19 |
| Average earning assets | $127,104,091,500 | 20 |
| Average equity | $16,178,215,000 | 21 |
| Average total loans | $93,470,325,000 | 16 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1518% | 4,044 |
| Cost of funding earning assets | 0.9256% | 2,027 |
| Net interest margin | 3.2262% | 4,299 |
| Noninterest income to average assets | 1.4019% | 442 |
| Noninterest expense to average assets | 2.4993% | 3,483 |
| Loan and lease loss provision to assets | 0.1837% | 970 |
| Net operating income to assets | 1.3157% | 1,718 |
| Return on assets (ROA) | 1.3223% | 1,745 |
| Pretax return on assets | 1.6241% | 1,472 |
| Return on Equity (ROE) | 11.6288% | 1,727 |
| Retained earnings to average equity (ytd only) | 1.5995% | 4,248 |
| Net charge-offs to loans | 0.2745% | 618 |
| Credit loss provision to net charge-offs | 101.0998% | 1,945 |
| Earnings coverage of net charge-offs (x) | 9.9096% | 2,308 |
| Efficiency ratio | 56.7469% | 4,160 |
| Assets per employee ($millions) | 8.2765% | 608 |
| Cash dividends to net income (ytd only)* | 86.2456% | 693 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9530% | 3,868 |
| Loan loss allowance to noncurrent loans | 127.7594% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 2,407 |
| Noncurrent loans to loans | 0.7459% | 2,122 |
| Net loans and leases to total assets | 65.5591% | 3,162 |
| Net loans and leases to deposits | 82.3266% | 2,692 |
| Net loans and leases to core deposits | 85.7834% | 2,977 |
| Total domestic deposits to total assets | 79.6327% | 4,110 |
| Equity capital to assets | 11.5413% | 2,577 |
| Core capital (leverage) ratio | 9.7498% | 3,885 |
| Tier 1 risk-based capital ratio | 10.7985% | 4,993 |
| Total risk-based capital ratio | 12.5537% | 4,678 |
| Memoranda: |
| Average total assets | $140,301,935,000 | 20 |
| Average earning assets | $126,042,039,000 | 20 |
| Average equity | $15,953,229,670 | 20 |
| Average total loans | $92,869,411,000 | 16 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1517% | 3,999 |
| Cost of funding earning assets | 0.9028% | 1,983 |
| Net interest margin | 3.2490% | 4,282 |
| Noninterest income to average assets | 1.3510% | 471 |
| Noninterest expense to average assets | 2.4608% | 3,605 |
| Loan and lease loss provision to assets | 0.1657% | 1,016 |
| Net operating income to assets | 1.3297% | 1,599 |
| Return on assets (ROA) | 1.3362% | 1,613 |
| Pretax return on assets | 1.6538% | 1,330 |
| Return on Equity (ROE) | 11.8431% | 1,595 |
| Retained earnings to average equity (ytd only) | -1.5541% | 4,712 |
| Net charge-offs to loans | 0.2635% | 557 |
| Credit loss provision to net charge-offs | 95.0091% | 1,670 |
| Earnings coverage of net charge-offs (x) | 10.3928% | 1,965 |
| Efficiency ratio | 56.2150% | 4,303 |
| Assets per employee ($millions) | 7.9935% | 671 |
| Cash dividends to net income (ytd only)* | 113.1227% | 506 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9735% | 3,853 |
| Loan loss allowance to noncurrent loans | 120.7654% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.5712% | 2,357 |
| Noncurrent loans to loans | 0.8061% | 2,023 |
| Net loans and leases to total assets | 65.1913% | 3,149 |
| Net loans and leases to deposits | 81.6013% | 2,651 |
| Net loans and leases to core deposits | 85.3202% | 2,928 |
| Total domestic deposits to total assets | 79.8897% | 4,191 |
| Equity capital to assets | 11.2922% | 2,567 |
| Core capital (leverage) ratio | 9.8557% | 3,757 |
| Tier 1 risk-based capital ratio | 11.0304% | 4,962 |
| Total risk-based capital ratio | 12.8230% | 4,588 |
| Memoranda: |
| Average total assets | $138,927,249,000 | 20 |
| Average earning assets | $124,953,446,500 | 20 |
| Average equity | $15,674,820,500 | 23 |
| Average total loans | $91,961,337,500 | 17 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9496% | 4,170 |
| Cost of funding earning assets | 0.6574% | 2,339 |
| Net interest margin | 3.2922% | 4,273 |
| Noninterest income to average assets | 1.6015% | 369 |
| Noninterest expense to average assets | 2.5894% | 3,368 |
| Loan and lease loss provision to assets | 0.1761% | 1,121 |
| Net operating income to assets | 1.4962% | 1,130 |
| Return on assets (ROA) | 1.5011% | 1,101 |
| Pretax return on assets | 1.8018% | 911 |
| Return on Equity (ROE) | 13.4468% | 1,194 |
| Retained earnings to average equity (ytd only) | 2.4413% | 4,168 |
| Net charge-offs to loans | 0.2683% | 717 |
| Credit loss provision to net charge-offs | 98.5069% | 2,588 |
| Earnings coverage of net charge-offs (x) | 11.0338% | 2,663 |
| Efficiency ratio | 55.3375% | 4,481 |
| Assets per employee ($millions) | 7.7790% | 714 |
| Cash dividends to net income (ytd only)* | 81.8447% | 641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9773% | 3,825 |
| Loan loss allowance to noncurrent loans | 123.5693% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5584% | 2,375 |
| Noncurrent loans to loans | 0.7909% | 2,028 |
| Net loans and leases to total assets | 65.9101% | 3,147 |
| Net loans and leases to deposits | 82.0588% | 2,720 |
| Net loans and leases to core deposits | 85.8117% | 2,931 |
| Total domestic deposits to total assets | 80.3203% | 4,034 |
| Equity capital to assets | 11.2732% | 2,448 |
| Core capital (leverage) ratio | 9.9266% | 3,670 |
| Tier 1 risk-based capital ratio | 11.1577% | 4,888 |
| Total risk-based capital ratio | 12.6843% | 4,664 |
| Memoranda: |
| Average total assets | $136,338,300,800 | 19 |
| Average earning assets | $122,615,474,200 | 20 |
| Average equity | $15,219,620,800 | 24 |
| Average total loans | $90,871,326,400 | 16 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8780% | 4,261 |
| Cost of funding earning assets | 0.6083% | 2,415 |
| Net interest margin | 3.2697% | 4,359 |
| Noninterest income to average assets | 1.6159% | 375 |
| Noninterest expense to average assets | 2.5874% | 3,325 |
| Loan and lease loss provision to assets | 0.1807% | 1,004 |
| Net operating income to assets | 1.4785% | 1,251 |
| Return on assets (ROA) | 1.4836% | 1,237 |
| Pretax return on assets | 1.7928% | 1,027 |
| Return on Equity (ROE) | 13.3238% | 1,319 |
| Retained earnings to average equity (ytd only) | 3.1936% | 4,147 |
| Net charge-offs to loans | 0.2674% | 621 |
| Credit loss provision to net charge-offs | 101.3756% | 2,236 |
| Earnings coverage of net charge-offs (x) | 11.0420% | 2,546 |
| Efficiency ratio | 55.3375% | 4,467 |
| Assets per employee ($millions) | 7.6471% | 729 |
| Cash dividends to net income (ytd only)* | 76.0308% | 669 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9797% | 3,894 |
| Loan loss allowance to noncurrent loans | 111.0974% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 2,324 |
| Noncurrent loans to loans | 0.8819% | 1,935 |
| Net loans and leases to total assets | 66.5151% | 3,121 |
| Net loans and leases to deposits | 83.5053% | 2,655 |
| Net loans and leases to core deposits | 88.0671% | 2,839 |
| Total domestic deposits to total assets | 79.6529% | 4,183 |
| Equity capital to assets | 11.0871% | 2,588 |
| Core capital (leverage) ratio | 10.0859% | 3,541 |
| Tier 1 risk-based capital ratio | 11.2223% | 4,938 |
| Total risk-based capital ratio | 12.7618% | 4,672 |
| Memoranda: |
| Average total assets | $135,928,750,250 | 19 |
| Average earning assets | $122,220,528,250 | 20 |
| Average equity | $15,135,931,500 | 24 |
| Average total loans | $90,629,659,750 | 16 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8138% | 4,311 |
| Cost of funding earning assets | 0.5693% | 2,438 |
| Net interest margin | 3.2444% | 4,393 |
| Noninterest income to average assets | 1.6751% | 362 |
| Noninterest expense to average assets | 2.6147% | 3,287 |
| Loan and lease loss provision to assets | 0.1827% | 979 |
| Net operating income to assets | 1.4836% | 1,193 |
| Return on assets (ROA) | 1.4903% | 1,181 |
| Pretax return on assets | 1.8012% | 960 |
| Return on Equity (ROE) | 13.3642% | 1,248 |
| Retained earnings to average equity (ytd only) | 3.4446% | 3,856 |
| Net charge-offs to loans | 0.2602% | 617 |
| Credit loss provision to net charge-offs | 105.5749% | 1,943 |
| Earnings coverage of net charge-offs (x) | 11.4271% | 2,274 |
| Efficiency ratio | 55.4511% | 4,542 |
| Assets per employee ($millions) | 7.3463% | 811 |
| Cash dividends to net income (ytd only)* | 74.2249% | 868 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9934% | 3,887 |
| Loan loss allowance to noncurrent loans | 122.3279% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.5707% | 2,518 |
| Noncurrent loans to loans | 0.8121% | 2,102 |
| Net loans and leases to total assets | 66.1562% | 3,126 |
| Net loans and leases to deposits | 83.4528% | 2,595 |
| Net loans and leases to core deposits | 87.5783% | 2,764 |
| Total domestic deposits to total assets | 79.2732% | 4,378 |
| Equity capital to assets | 11.1487% | 2,506 |
| Core capital (leverage) ratio | 10.0213% | 3,554 |
| Tier 1 risk-based capital ratio | 11.2648% | 4,915 |
| Total risk-based capital ratio | 12.8260% | 4,634 |
| Memoranda: |
| Average total assets | $135,603,248,330 | 18 |
| Average earning assets | $121,906,622,670 | 20 |
| Average equity | $15,121,635,000 | 24 |
| Average total loans | $90,184,984,330 | 16 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7058% | 4,458 |
| Cost of funding earning assets | 0.5267% | 2,576 |
| Net interest margin | 3.1791% | 4,532 |
| Noninterest income to average assets | 1.5715% | 396 |
| Noninterest expense to average assets | 2.6508% | 3,191 |
| Loan and lease loss provision to assets | 0.1690% | 1,052 |
| Net operating income to assets | 1.3538% | 1,468 |
| Return on assets (ROA) | 1.3584% | 1,468 |
| Pretax return on assets | 1.6137% | 1,353 |
| Return on Equity (ROE) | 12.1803% | 1,515 |
| Retained earnings to average equity (ytd only) | 2.2524% | 4,268 |
| Net charge-offs to loans | 0.2474% | 621 |
| Credit loss provision to net charge-offs | 102.9537% | 1,514 |
| Earnings coverage of net charge-offs (x) | 10.8329% | 1,883 |
| Efficiency ratio | 58.2917% | 4,304 |
| Assets per employee ($millions) | 7.1871% | 892 |
| Cash dividends to net income (ytd only)* | 81.5076% | 811 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9865% | 4,040 |
| Loan loss allowance to noncurrent loans | 125.3366% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 2,665 |
| Noncurrent loans to loans | 0.7871% | 2,243 |
| Net loans and leases to total assets | 66.5964% | 2,953 |
| Net loans and leases to deposits | 84.0792% | 2,383 |
| Net loans and leases to core deposits | 88.0856% | 2,625 |
| Total domestic deposits to total assets | 79.2065% | 4,546 |
| Equity capital to assets | 11.1317% | 2,450 |
| Core capital (leverage) ratio | 9.9493% | 3,588 |
| Tier 1 risk-based capital ratio | 11.1148% | 5,077 |
| Total risk-based capital ratio | 12.6827% | 4,794 |
| Memoranda: |
| Average total assets | $135,473,437,000 | 19 |
| Average earning assets | $121,761,888,500 | 20 |
| Average equity | $15,108,963,500 | 24 |
| Average total loans | $89,885,693,500 | 16 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6124% | 4,545 |
| Cost of funding earning assets | 0.4129% | 3,126 |
| Net interest margin | 3.1995% | 4,448 |
| Noninterest income to average assets | 1.5709% | 425 |
| Noninterest expense to average assets | 2.7254% | 3,045 |
| Loan and lease loss provision to assets | 0.1693% | 1,297 |
| Net operating income to assets | 1.0523% | 2,042 |
| Return on assets (ROA) | 1.0585% | 2,044 |
| Pretax return on assets | 1.5598% | 1,418 |
| Return on Equity (ROE) | 9.4812% | 2,103 |
| Retained earnings to average equity (ytd only) | 4.4738% | 2,465 |
| Net charge-offs to loans | 0.2534% | 1,034 |
| Credit loss provision to net charge-offs | 100.5927% | 2,547 |
| Earnings coverage of net charge-offs (x) | 10.2371% | 2,701 |
| Efficiency ratio | 59.7154% | 4,302 |
| Assets per employee ($millions) | 7.0436% | 952 |
| Cash dividends to net income (ytd only)* | 52.8136% | 2,135 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0057% | 3,904 |
| Loan loss allowance to noncurrent loans | 131.8980% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 2,784 |
| Noncurrent loans to loans | 0.7625% | 2,296 |
| Net loans and leases to total assets | 64.7844% | 3,260 |
| Net loans and leases to deposits | 81.7110% | 2,750 |
| Net loans and leases to core deposits | 85.3134% | 2,959 |
| Total domestic deposits to total assets | 79.2844% | 4,485 |
| Equity capital to assets | 11.1736% | 2,458 |
| Core capital (leverage) ratio | 9.9072% | 3,573 |
| Tier 1 risk-based capital ratio | 11.2692% | 5,003 |
| Total risk-based capital ratio | 12.8566% | 4,672 |
| Memoranda: |
| Average total assets | $134,156,628,400 | 18 |
| Average earning assets | $120,638,614,800 | 18 |
| Average equity | $14,977,943,600 | 22 |
| Average total loans | $89,100,361,400 | 16 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6031% | 4,548 |
| Cost of funding earning assets | 0.3888% | 3,298 |
| Net interest margin | 3.2143% | 4,413 |
| Noninterest income to average assets | 1.5639% | 446 |
| Noninterest expense to average assets | 2.6814% | 3,124 |
| Loan and lease loss provision to assets | 0.1779% | 1,127 |
| Net operating income to assets | 1.1433% | 1,904 |
| Return on assets (ROA) | 1.1498% | 1,932 |
| Pretax return on assets | 1.6026% | 1,410 |
| Return on Equity (ROE) | 10.3011% | 1,986 |
| Retained earnings to average equity (ytd only) | 5.8359% | 2,351 |
| Net charge-offs to loans | 0.2547% | 853 |
| Credit loss provision to net charge-offs | 104.8050% | 2,208 |
| Earnings coverage of net charge-offs (x) | 10.4469% | 2,591 |
| Efficiency ratio | 58.6580% | 4,407 |
| Assets per employee ($millions) | 7.1575% | 889 |
| Cash dividends to net income (ytd only)* | 43.3463% | 2,109 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0066% | 4,014 |
| Loan loss allowance to noncurrent loans | 125.9389% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5680% | 2,824 |
| Noncurrent loans to loans | 0.7993% | 2,358 |
| Net loans and leases to total assets | 65.5217% | 3,174 |
| Net loans and leases to deposits | 83.5375% | 2,609 |
| Net loans and leases to core deposits | 87.1896% | 2,858 |
| Total domestic deposits to total assets | 78.4337% | 4,640 |
| Equity capital to assets | 11.3264% | 2,552 |
| Core capital (leverage) ratio | 9.9316% | 3,648 |
| Tier 1 risk-based capital ratio | 11.2730% | 5,095 |
| Total risk-based capital ratio | 12.8732% | 4,761 |
| Memoranda: |
| Average total assets | $133,756,175,750 | 18 |
| Average earning assets | $120,312,438,250 | 18 |
| Average equity | $14,930,151,250 | 22 |
| Average total loans | $89,164,515,750 | 15 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5830% | 4,555 |
| Cost of funding earning assets | 0.3645% | 3,435 |
| Net interest margin | 3.2186% | 4,355 |
| Noninterest income to average assets | 1.5955% | 438 |
| Noninterest expense to average assets | 2.6976% | 3,096 |
| Loan and lease loss provision to assets | 0.2044% | 889 |
| Net operating income to assets | 1.1490% | 1,779 |
| Return on assets (ROA) | 1.1580% | 1,793 |
| Pretax return on assets | 1.5981% | 1,350 |
| Return on Equity (ROE) | 10.4258% | 1,873 |
| Retained earnings to average equity (ytd only) | 7.0513% | 1,574 |
| Net charge-offs to loans | 0.2925% | 698 |
| Credit loss provision to net charge-offs | 104.5900% | 1,956 |
| Earnings coverage of net charge-offs (x) | 9.1755% | 2,458 |
| Efficiency ratio | 58.6151% | 4,515 |
| Assets per employee ($millions) | 7.0229% | 922 |
| Cash dividends to net income (ytd only)* | 32.3672% | 2,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9935% | 4,185 |
| Loan loss allowance to noncurrent loans | 125.5183% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 2,830 |
| Noncurrent loans to loans | 0.7916% | 2,424 |
| Net loans and leases to total assets | 66.4975% | 3,030 |
| Net loans and leases to deposits | 84.3051% | 2,435 |
| Net loans and leases to core deposits | 88.0183% | 2,697 |
| Total domestic deposits to total assets | 78.8769% | 4,644 |
| Equity capital to assets | 11.3305% | 2,467 |
| Core capital (leverage) ratio | 9.9480% | 3,598 |
| Tier 1 risk-based capital ratio | 11.1203% | 5,191 |
| Total risk-based capital ratio | 12.7064% | 4,879 |
| Memoranda: |
| Average total assets | $133,401,925,670 | 18 |
| Average earning assets | $120,001,159,670 | 18 |
| Average equity | $14,816,811,330 | 22 |
| Average total loans | $89,141,384,670 | 15 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4729% | 4,770 |
| Cost of funding earning assets | 0.3501% | 3,531 |
| Net interest margin | 3.1228% | 4,594 |
| Noninterest income to average assets | 1.5018% | 482 |
| Noninterest expense to average assets | 2.7008% | 3,137 |
| Loan and lease loss provision to assets | 0.2106% | 773 |
| Net operating income to assets | 1.0057% | 2,279 |
| Return on assets (ROA) | 1.0093% | 2,317 |
| Pretax return on assets | 1.4055% | 1,876 |
| Return on Equity (ROE) | 9.1796% | 2,325 |
| Retained earnings to average equity (ytd only) | 5.7687% | 2,458 |
| Net charge-offs to loans | 0.2800% | 648 |
| Credit loss provision to net charge-offs | 112.8493% | 1,460 |
| Earnings coverage of net charge-offs (x) | 8.6360% | 2,045 |
| Efficiency ratio | 61.1003% | 4,300 |
| Assets per employee ($millions) | 7.0235% | 947 |
| Cash dividends to net income (ytd only)* | 37.1572% | 2,104 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0028% | 4,259 |
| Loan loss allowance to noncurrent loans | 121.1646% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 2,825 |
| Noncurrent loans to loans | 0.8277% | 2,384 |
| Net loans and leases to total assets | 66.6171% | 2,880 |
| Net loans and leases to deposits | 82.6866% | 2,436 |
| Net loans and leases to core deposits | 85.9352% | 2,719 |
| Total domestic deposits to total assets | 80.5655% | 4,507 |
| Equity capital to assets | 11.1527% | 2,474 |
| Core capital (leverage) ratio | 9.7286% | 3,837 |
| Tier 1 risk-based capital ratio | 11.0208% | 5,300 |
| Total risk-based capital ratio | 12.6399% | 4,996 |
| Memoranda: |
| Average total assets | $133,325,277,500 | 18 |
| Average earning assets | $119,993,548,000 | 18 |
| Average equity | $14,658,970,000 | 22 |
| Average total loans | $88,861,045,000 | 15 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.7067% | 5,688 |
| Cost of funding earning assets | 0.2609% | 4,454 |
| Net interest margin | 2.4459% | 5,612 |
| Noninterest income to average assets | 1.2765% | 697 |
| Noninterest expense to average assets | 2.4528% | 4,156 |
| Loan and lease loss provision to assets | 0.1973% | 1,181 |
| Net operating income to assets | 0.6494% | 4,003 |
| Return on assets (ROA) | 0.6502% | 4,116 |
| Pretax return on assets | 0.8232% | 4,118 |
| Return on Equity (ROE) | 6.0272% | 3,966 |
| Retained earnings to average equity (ytd only) | 1.7476% | 4,531 |
| Net charge-offs to loans | 0.2526% | 1,095 |
| Credit loss provision to net charge-offs | 120.4177% | 2,202 |
| Earnings coverage of net charge-offs (x) | 6.2248% | 3,213 |
| Efficiency ratio | 69.5364% | 2,987 |
| Assets per employee ($millions) | 7.0788% | 889 |
| Cash dividends to net income (ytd only)* | 71.0041% | 1,274 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9944% | 4,367 |
| Loan loss allowance to noncurrent loans | 113.6632% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 2,834 |
| Noncurrent loans to loans | 0.8749% | 2,350 |
| Net loans and leases to total assets | 65.3611% | 3,166 |
| Net loans and leases to deposits | 81.7298% | 2,701 |
| Net loans and leases to core deposits | 84.7129% | 2,954 |
| Total domestic deposits to total assets | 79.9718% | 4,581 |
| Equity capital to assets | 10.8395% | 2,773 |
| Core capital (leverage) ratio | 9.4612% | 4,138 |
| Tier 1 risk-based capital ratio | 10.7560% | 5,460 |
| Total risk-based capital ratio | 12.3579% | 5,166 |
| Memoranda: |
| Average total assets | $135,384,514,600 | 18 |
| Average earning assets | $121,557,370,200 | 18 |
| Average equity | $14,604,249,600 | 23 |
| Average total loans | $87,813,499,000 | 14 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1232% | 5,448 |
| Cost of funding earning assets | 0.3161% | 3,916 |
| Net interest margin | 2.8071% | 5,349 |
| Noninterest income to average assets | 1.5902% | 487 |
| Noninterest expense to average assets | 2.7435% | 3,197 |
| Loan and lease loss provision to assets | 0.2539% | 736 |
| Net operating income to assets | 0.8476% | 3,167 |
| Return on assets (ROA) | 0.8548% | 3,257 |
| Pretax return on assets | 1.1182% | 3,155 |
| Return on Equity (ROE) | 8.1841% | 2,918 |
| Retained earnings to average equity (ytd only) | 1.6353% | 4,855 |
| Net charge-offs to loans | 0.3022% | 760 |
| Credit loss provision to net charge-offs | 128.6337% | 1,988 |
| Earnings coverage of net charge-offs (x) | 6.9141% | 2,946 |
| Efficiency ratio | 66.1494% | 3,565 |
| Assets per employee ($millions) | 7.0401% | 879 |
| Cash dividends to net income (ytd only)* | 80.0191% | 736 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3298% | 2,532 |
| Loan loss allowance to noncurrent loans | 138.0172% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6413% | 2,978 |
| Noncurrent loans to loans | 0.9635% | 2,313 |
| Net loans and leases to total assets | 63.6272% | 3,448 |
| Net loans and leases to deposits | 80.5199% | 2,907 |
| Net loans and leases to core deposits | 82.7737% | 3,226 |
| Total domestic deposits to total assets | 79.0201% | 4,717 |
| Equity capital to assets | 10.1884% | 3,929 |
| Core capital (leverage) ratio | 9.4509% | 4,250 |
| Tier 1 risk-based capital ratio | 10.5956% | 5,571 |
| Total risk-based capital ratio | 12.7205% | 5,017 |
| Memoranda: |
| Average total assets | $97,457,625,500 | 27 |
| Average earning assets | $87,427,411,500 | 27 |
| Average equity | $10,179,642,500 | 29 |
| Average total loans | $63,673,223,000 | 22 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1394% | 5,506 |
| Cost of funding earning assets | 0.3019% | 4,105 |
| Net interest margin | 2.8375% | 5,368 |
| Noninterest income to average assets | 1.5664% | 496 |
| Noninterest expense to average assets | 2.6224% | 3,650 |
| Loan and lease loss provision to assets | 0.3056% | 573 |
| Net operating income to assets | 0.9082% | 2,821 |
| Return on assets (ROA) | 0.9155% | 2,921 |
| Pretax return on assets | 1.1851% | 2,843 |
| Return on Equity (ROE) | 8.6899% | 2,641 |
| Retained earnings to average equity (ytd only) | 1.2889% | 4,875 |
| Net charge-offs to loans | 0.3147% | 752 |
| Credit loss provision to net charge-offs | 147.9806% | 1,605 |
| Earnings coverage of net charge-offs (x) | 7.1823% | 2,653 |
| Efficiency ratio | 63.2150% | 4,151 |
| Assets per employee ($millions) | 6.9134% | 906 |
| Cash dividends to net income (ytd only)* | 85.1678% | 787 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3602% | 2,485 |
| Loan loss allowance to noncurrent loans | 123.9847% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 2,795 |
| Noncurrent loans to loans | 1.0971% | 2,092 |
| Net loans and leases to total assets | 63.9001% | 3,377 |
| Net loans and leases to deposits | 80.9667% | 2,819 |
| Net loans and leases to core deposits | 83.1351% | 3,154 |
| Total domestic deposits to total assets | 78.9202% | 4,803 |
| Equity capital to assets | 10.4191% | 3,717 |
| Core capital (leverage) ratio | 9.6610% | 3,982 |
| Tier 1 risk-based capital ratio | 10.8014% | 5,525 |
| Total risk-based capital ratio | 12.9861% | 4,896 |
| Memoranda: |
| Average total assets | $96,188,540,670 | 27 |
| Average earning assets | $86,085,018,000 | 27 |
| Average equity | $10,133,758,670 | 28 |
| Average total loans | $63,130,844,670 | 22 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1819% | 5,509 |
| Cost of funding earning assets | 0.2859% | 4,318 |
| Net interest margin | 2.8960% | 5,324 |
| Noninterest income to average assets | 1.5252% | 491 |
| Noninterest expense to average assets | 2.6437% | 3,595 |
| Loan and lease loss provision to assets | 0.3209% | 476 |
| Net operating income to assets | 0.8813% | 2,846 |
| Return on assets (ROA) | 0.8849% | 2,956 |
| Pretax return on assets | 1.1537% | 2,876 |
| Return on Equity (ROE) | 8.3513% | 2,737 |
| Retained earnings to average equity (ytd only) | -1.6128% | 5,347 |
| Net charge-offs to loans | 0.3312% | 670 |
| Credit loss provision to net charge-offs | 146.6678% | 1,291 |
| Earnings coverage of net charge-offs (x) | 6.7227% | 2,217 |
| Efficiency ratio | 63.5669% | 4,196 |
| Assets per employee ($millions) | 6.9550% | 913 |
| Cash dividends to net income (ytd only)* | 119.3124% | 536 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3519% | 2,644 |
| Loan loss allowance to noncurrent loans | 111.2484% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 2,660 |
| Noncurrent loans to loans | 1.2152% | 1,992 |
| Net loans and leases to total assets | 64.3336% | 3,202 |
| Net loans and leases to deposits | 81.3305% | 2,625 |
| Net loans and leases to core deposits | 83.3615% | 2,999 |
| Total domestic deposits to total assets | 79.1006% | 4,945 |
| Equity capital to assets | 10.4959% | 3,503 |
| Core capital (leverage) ratio | 9.8190% | 3,751 |
| Tier 1 risk-based capital ratio | 10.7937% | 5,610 |
| Total risk-based capital ratio | 12.3217% | 5,374 |
| Memoranda: |
| Average total assets | $94,713,946,000 | 27 |
| Average earning assets | $84,691,809,000 | 27 |
| Average equity | $10,035,994,000 | 28 |
| Average total loans | $62,584,935,500 | 22 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1325% | 5,600 |
| Cost of funding earning assets | 0.2524% | 4,758 |
| Net interest margin | 2.8801% | 5,370 |
| Noninterest income to average assets | 1.6418% | 479 |
| Noninterest expense to average assets | 2.6487% | 3,760 |
| Loan and lease loss provision to assets | 0.1563% | 1,499 |
| Net operating income to assets | 1.0458% | 2,146 |
| Return on assets (ROA) | 1.0469% | 2,223 |
| Pretax return on assets | 1.4113% | 1,849 |
| Return on Equity (ROE) | 9.6683% | 2,146 |
| Retained earnings to average equity (ytd only) | -0.3145% | 5,558 |
| Net charge-offs to loans | 0.2666% | 1,134 |
| Credit loss provision to net charge-offs | 87.8505% | 2,801 |
| Earnings coverage of net charge-offs (x) | 8.8031% | 2,897 |
| Efficiency ratio | 62.0537% | 4,593 |
| Assets per employee ($millions) | 6.8370% | 948 |
| Cash dividends to net income (ytd only)* | 103.2526% | 357 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3225% | 2,785 |
| Loan loss allowance to noncurrent loans | 176.1039% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 3,543 |
| Noncurrent loans to loans | 0.7510% | 2,929 |
| Net loans and leases to total assets | 66.0858% | 2,965 |
| Net loans and leases to deposits | 83.3912% | 2,438 |
| Net loans and leases to core deposits | 85.0109% | 2,880 |
| Total domestic deposits to total assets | 79.2470% | 4,916 |
| Equity capital to assets | 10.6999% | 3,140 |
| Core capital (leverage) ratio | 9.8945% | 3,655 |
| Tier 1 risk-based capital ratio | 10.8584% | 5,596 |
| Total risk-based capital ratio | 12.3426% | 5,375 |
| Memoranda: |
| Average total assets | $92,507,996,000 | 27 |
| Average earning assets | $82,654,459,800 | 27 |
| Average equity | $10,017,230,000 | 27 |
| Average total loans | $61,734,681,000 | 21 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1080% | 5,698 |
| Cost of funding earning assets | 0.2492% | 4,888 |
| Net interest margin | 2.8588% | 5,478 |
| Noninterest income to average assets | 1.5982% | 498 |
| Noninterest expense to average assets | 2.6259% | 3,779 |
| Loan and lease loss provision to assets | 0.1472% | 1,483 |
| Net operating income to assets | 1.0283% | 2,339 |
| Return on assets (ROA) | 1.0360% | 2,392 |
| Pretax return on assets | 1.3891% | 2,060 |
| Return on Equity (ROE) | 9.5389% | 2,299 |
| Retained earnings to average equity (ytd only) | -0.4282% | 5,680 |
| Net charge-offs to loans | 0.2608% | 1,012 |
| Credit loss provision to net charge-offs | 84.6384% | 2,539 |
| Earnings coverage of net charge-offs (x) | 8.7911% | 2,768 |
| Efficiency ratio | 62.3911% | 4,511 |
| Assets per employee ($millions) | 6.8911% | 914 |
| Cash dividends to net income (ytd only)* | 104.4888% | 318 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2900% | 3,151 |
| Loan loss allowance to noncurrent loans | 170.7647% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 3,674 |
| Noncurrent loans to loans | 0.7554% | 3,074 |
| Net loans and leases to total assets | 66.7929% | 2,880 |
| Net loans and leases to deposits | 84.2878% | 2,374 |
| Net loans and leases to core deposits | 86.1902% | 2,832 |
| Total domestic deposits to total assets | 78.7838% | 5,032 |
| Equity capital to assets | 10.8362% | 3,206 |
| Core capital (leverage) ratio | 10.0033% | 3,621 |
| Tier 1 risk-based capital ratio | 10.6777% | 5,811 |
| Total risk-based capital ratio | 12.1720% | 5,610 |
| Memoranda: |
| Average total assets | $92,375,426,250 | 26 |
| Average earning assets | $82,595,596,500 | 27 |
| Average equity | $10,032,780,250 | 27 |
| Average total loans | $61,591,074,250 | 21 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0814% | 5,760 |
| Cost of funding earning assets | 0.2386% | 5,069 |
| Net interest margin | 2.8428% | 5,538 |
| Noninterest income to average assets | 1.5617% | 528 |
| Noninterest expense to average assets | 2.6252% | 3,833 |
| Loan and lease loss provision to assets | 0.1438% | 1,504 |
| Net operating income to assets | 0.9849% | 2,474 |
| Return on assets (ROA) | 1.0030% | 2,480 |
| Pretax return on assets | 1.3543% | 2,170 |
| Return on Equity (ROE) | 9.2284% | 2,419 |
| Retained earnings to average equity (ytd only) | -0.7592% | 5,654 |
| Net charge-offs to loans | 0.2369% | 1,092 |
| Credit loss provision to net charge-offs | 91.5161% | 2,177 |
| Earnings coverage of net charge-offs (x) | 9.4179% | 2,455 |
| Efficiency ratio | 63.1036% | 4,502 |
| Assets per employee ($millions) | 6.8550% | 885 |
| Cash dividends to net income (ytd only)* | 108.2263% | 421 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3367% | 3,043 |
| Loan loss allowance to noncurrent loans | 161.2231% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 3,680 |
| Noncurrent loans to loans | 0.8291% | 3,050 |
| Net loans and leases to total assets | 65.2949% | 3,080 |
| Net loans and leases to deposits | 82.6418% | 2,479 |
| Net loans and leases to core deposits | 84.6345% | 2,918 |
| Total domestic deposits to total assets | 78.4694% | 5,194 |
| Equity capital to assets | 10.7933% | 3,114 |
| Core capital (leverage) ratio | 10.0857% | 3,484 |
| Tier 1 risk-based capital ratio | 10.9653% | 5,726 |
| Total risk-based capital ratio | 12.4976% | 5,525 |
| Memoranda: |
| Average total assets | $92,118,230,670 | 26 |
| Average earning assets | $82,415,013,000 | 27 |
| Average equity | $10,012,505,000 | 27 |
| Average total loans | $61,111,869,330 | 21 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0520% | 5,840 |
| Cost of funding earning assets | 0.2339% | 5,175 |
| Net interest margin | 2.8180% | 5,607 |
| Noninterest income to average assets | 1.4749% | 553 |
| Noninterest expense to average assets | 2.5398% | 4,140 |
| Loan and lease loss provision to assets | 0.1243% | 1,669 |
| Net operating income to assets | 0.9955% | 2,290 |
| Return on assets (ROA) | 1.0189% | 2,314 |
| Pretax return on assets | 1.3536% | 2,058 |
| Return on Equity (ROE) | 9.3416% | 2,292 |
| Retained earnings to average equity (ytd only) | -0.6306% | 5,493 |
| Net charge-offs to loans | 0.2208% | 1,060 |
| Credit loss provision to net charge-offs | 84.7811% | 1,787 |
| Earnings coverage of net charge-offs (x) | 9.9164% | 1,974 |
| Efficiency ratio | 62.6954% | 4,672 |
| Assets per employee ($millions) | 6.8684% | 907 |
| Cash dividends to net income (ytd only)* | 106.7505% | 615 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3262% | 3,269 |
| Loan loss allowance to noncurrent loans | 143.0827% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 3,521 |
| Noncurrent loans to loans | 0.9269% | 2,927 |
| Net loans and leases to total assets | 66.1923% | 2,738 |
| Net loans and leases to deposits | 82.4391% | 2,282 |
| Net loans and leases to core deposits | 84.3236% | 2,732 |
| Total domestic deposits to total assets | 79.7760% | 5,100 |
| Equity capital to assets | 10.9220% | 3,065 |
| Core capital (leverage) ratio | 10.3147% | 3,202 |
| Tier 1 risk-based capital ratio | 11.0048% | 5,810 |
| Total risk-based capital ratio | 12.9268% | 5,356 |
| Memoranda: |
| Average total assets | $91,936,981,500 | 26 |
| Average earning assets | $82,187,665,000 | 26 |
| Average equity | $10,027,885,000 | 27 |
| Average total loans | $61,066,131,000 | 21 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1646% | 5,873 |
| Cost of funding earning assets | 0.2406% | 5,418 |
| Net interest margin | 2.9240% | 5,594 |
| Noninterest income to average assets | 1.6307% | 476 |
| Noninterest expense to average assets | 2.7496% | 3,678 |
| Loan and lease loss provision to assets | 0.0656% | 3,191 |
| Net operating income to assets | 1.0309% | 2,261 |
| Return on assets (ROA) | 0.9901% | 2,507 |
| Pretax return on assets | 1.3789% | 1,960 |
| Return on Equity (ROE) | 9.0895% | 2,545 |
| Retained earnings to average equity (ytd only) | 6.0074% | 1,926 |
| Net charge-offs to loans | 0.2396% | 1,768 |
| Credit loss provision to net charge-offs | 40.8533% | 3,660 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,774 |
| Efficiency ratio | 63.9462% | 4,596 |
| Assets per employee ($millions) | 6.9617% | 864 |
| Cash dividends to net income (ytd only)* | 33.9084% | 3,179 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3637% | 3,117 |
| Loan loss allowance to noncurrent loans | 156.4262% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 3,785 |
| Noncurrent loans to loans | 0.8718% | 3,134 |
| Net loans and leases to total assets | 64.8625% | 3,073 |
| Net loans and leases to deposits | 80.0540% | 2,706 |
| Net loans and leases to core deposits | 82.0098% | 3,107 |
| Total domestic deposits to total assets | 80.4069% | 4,907 |
| Equity capital to assets | 10.8927% | 3,021 |
| Core capital (leverage) ratio | 10.3823% | 3,074 |
| Tier 1 risk-based capital ratio | 11.3939% | 5,723 |
| Total risk-based capital ratio | 13.4881% | 5,111 |
| Memoranda: |
| Average total assets | $89,359,378,600 | 26 |
| Average earning assets | $79,586,686,400 | 25 |
| Average equity | $9,733,598,200 | 27 |
| Average total loans | $59,884,262,000 | 21 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1785% | 5,926 |
| Cost of funding earning assets | 0.2451% | 5,454 |
| Net interest margin | 2.9334% | 5,630 |
| Noninterest income to average assets | 1.5870% | 507 |
| Noninterest expense to average assets | 2.7253% | 3,730 |
| Loan and lease loss provision to assets | 0.0556% | 3,259 |
| Net operating income to assets | 1.0345% | 2,307 |
| Return on assets (ROA) | 0.9767% | 2,631 |
| Pretax return on assets | 1.3593% | 2,157 |
| Return on Equity (ROE) | 8.9666% | 2,706 |
| Retained earnings to average equity (ytd only) | 8.9666% | 1,018 |
| Net charge-offs to loans | 0.2320% | 1,655 |
| Credit loss provision to net charge-offs | 35.5957% | 3,362 |
| Earnings coverage of net charge-offs (x) | 9.4259% | 2,674 |
| Efficiency ratio | 63.8999% | 4,561 |
| Assets per employee ($millions) | 6.4146% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4083% | 3,134 |
| Loan loss allowance to noncurrent loans | 168.8604% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 4,058 |
| Noncurrent loans to loans | 0.8340% | 3,489 |
| Net loans and leases to total assets | 66.8692% | 2,706 |
| Net loans and leases to deposits | 82.7181% | 2,331 |
| Net loans and leases to core deposits | 85.4293% | 2,729 |
| Total domestic deposits to total assets | 80.1985% | 5,050 |
| Equity capital to assets | 11.4155% | 2,562 |
| Core capital (leverage) ratio | 10.4411% | 3,107 |
| Tier 1 risk-based capital ratio | 11.6433% | 5,708 |
| Total risk-based capital ratio | 13.8459% | 5,036 |
| Memoranda: |
| Average total assets | $88,753,595,000 | 27 |
| Average earning assets | $79,001,265,000 | 26 |
| Average equity | $9,667,605,250 | 28 |
| Average total loans | $59,766,451,000 | 22 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1537% | 6,001 |
| Cost of funding earning assets | 0.2484% | 5,502 |
| Net interest margin | 2.9053% | 5,727 |
| Noninterest income to average assets | 1.5890% | 498 |
| Noninterest expense to average assets | 2.7151% | 3,808 |
| Loan and lease loss provision to assets | 0.0351% | 3,587 |
| Net operating income to assets | 1.0501% | 2,119 |
| Return on assets (ROA) | 1.0031% | 2,380 |
| Pretax return on assets | 1.3760% | 1,985 |
| Return on Equity (ROE) | 9.3554% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.3554% | 866 |
| Net charge-offs to loans | 0.2215% | 1,708 |
| Credit loss provision to net charge-offs | 23.5576% | 3,144 |
| Earnings coverage of net charge-offs (x) | 9.7972% | 2,318 |
| Efficiency ratio | 64.0168% | 4,684 |
| Assets per employee ($millions) | 6.2759% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4068% | 3,315 |
| Loan loss allowance to noncurrent loans | 159.7060% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 4,112 |
| Noncurrent loans to loans | 0.8809% | 3,496 |
| Net loans and leases to total assets | 66.6248% | 2,652 |
| Net loans and leases to deposits | 84.7117% | 1,961 |
| Net loans and leases to core deposits | 87.8838% | 2,325 |
| Total domestic deposits to total assets | 77.8592% | 5,662 |
| Equity capital to assets | 11.0292% | 2,843 |
| Core capital (leverage) ratio | 10.2358% | 3,285 |
| Tier 1 risk-based capital ratio | 11.2532% | 5,933 |
| Total risk-based capital ratio | 13.5126% | 5,300 |
| Memoranda: |
| Average total assets | $89,205,376,670 | 26 |
| Average earning assets | $79,347,599,330 | 26 |
| Average equity | $9,564,498,000 | 28 |
| Average total loans | $59,929,509,000 | 22 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.1276% | 6,087 |
| Cost of funding earning assets | 0.2471% | 5,609 |
| Net interest margin | 2.8805% | 5,791 |
| Noninterest income to average assets | 1.5370% | 503 |
| Noninterest expense to average assets | 2.6921% | 3,953 |
| Loan and lease loss provision to assets | 0.0243% | 3,519 |
| Net operating income to assets | 0.9961% | 2,226 |
| Return on assets (ROA) | 1.0229% | 2,184 |
| Pretax return on assets | 1.4127% | 1,705 |
| Return on Equity (ROE) | 9.6790% | 2,167 |
| Retained earnings to average equity (ytd only) | 9.6790% | 1,055 |
| Net charge-offs to loans | 0.1942% | 1,567 |
| Credit loss provision to net charge-offs | 18.6486% | 2,520 |
| Earnings coverage of net charge-offs (x) | 10.8419% | 1,827 |
| Efficiency ratio | 64.5472% | 4,772 |
| Assets per employee ($millions) | 6.2755% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4432% | 3,398 |
| Loan loss allowance to noncurrent loans | 145.0457% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.7103% | 3,985 |
| Noncurrent loans to loans | 0.9950% | 3,429 |
| Net loans and leases to total assets | 67.2344% | 2,353 |
| Net loans and leases to deposits | 85.0369% | 1,719 |
| Net loans and leases to core deposits | 88.1906% | 2,073 |
| Total domestic deposits to total assets | 78.3724% | 5,772 |
| Equity capital to assets | 10.8499% | 2,879 |
| Core capital (leverage) ratio | 10.0915% | 3,438 |
| Tier 1 risk-based capital ratio | 11.0798% | 6,122 |
| Total risk-based capital ratio | 13.4080% | 5,465 |
| Memoranda: |
| Average total assets | $89,302,378,000 | 26 |
| Average earning assets | $79,529,144,500 | 26 |
| Average equity | $9,438,147,500 | 28 |
| Average total loans | $59,819,368,500 | 22 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2988% | 6,002 |
| Cost of funding earning assets | 0.2774% | 5,783 |
| Net interest margin | 3.0214% | 5,526 |
| Noninterest income to average assets | 1.6831% | 508 |
| Noninterest expense to average assets | 2.8407% | 3,568 |
| Loan and lease loss provision to assets | 0.1470% | 2,453 |
| Net operating income to assets | 1.0258% | 2,220 |
| Return on assets (ROA) | 1.0781% | 2,091 |
| Pretax return on assets | 1.4331% | 1,674 |
| Return on Equity (ROE) | 10.1036% | 2,071 |
| Retained earnings to average equity (ytd only) | 3.7228% | 3,569 |
| Net charge-offs to loans | 0.3496% | 1,936 |
| Credit loss provision to net charge-offs | 63.1401% | 3,471 |
| Earnings coverage of net charge-offs (x) | 6.5622% | 3,037 |
| Efficiency ratio | 63.8879% | 4,917 |
| Assets per employee ($millions) | 6.1536% | 1,172 |
| Cash dividends to net income (ytd only)* | 63.1531% | 1,620 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4908% | 3,246 |
| Loan loss allowance to noncurrent loans | 140.0994% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 4,047 |
| Noncurrent loans to loans | 1.0641% | 3,384 |
| Net loans and leases to total assets | 64.8018% | 2,905 |
| Net loans and leases to deposits | 81.5649% | 2,243 |
| Net loans and leases to core deposits | 84.2686% | 2,646 |
| Total domestic deposits to total assets | 78.8287% | 5,683 |
| Equity capital to assets | 10.2946% | 3,398 |
| Core capital (leverage) ratio | 9.6888% | 4,001 |
| Tier 1 risk-based capital ratio | 10.8348% | 6,249 |
| Total risk-based capital ratio | 13.3285% | 5,506 |
| Memoranda: |
| Average total assets | $88,123,490,200 | 26 |
| Average earning assets | $78,323,587,800 | 26 |
| Average equity | $9,403,339,000 | 28 |
| Average total loans | $58,694,532,200 | 22 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3343% | 5,998 |
| Cost of funding earning assets | 0.2879% | 5,827 |
| Net interest margin | 3.0464% | 5,476 |
| Noninterest income to average assets | 1.6724% | 537 |
| Noninterest expense to average assets | 2.8414% | 3,517 |
| Loan and lease loss provision to assets | 0.1695% | 2,141 |
| Net operating income to assets | 1.0195% | 2,297 |
| Return on assets (ROA) | 1.0973% | 2,090 |
| Pretax return on assets | 1.4450% | 1,778 |
| Return on Equity (ROE) | 10.1902% | 2,108 |
| Retained earnings to average equity (ytd only) | 5.9469% | 2,447 |
| Net charge-offs to loans | 0.3607% | 1,753 |
| Credit loss provision to net charge-offs | 70.3421% | 3,064 |
| Earnings coverage of net charge-offs (x) | 6.3763% | 2,986 |
| Efficiency ratio | 63.7356% | 4,846 |
| Assets per employee ($millions) | 6.0687% | 1,192 |
| Cash dividends to net income (ytd only)* | 41.6404% | 2,225 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5362% | 3,300 |
| Loan loss allowance to noncurrent loans | 126.5737% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8496% | 3,993 |
| Noncurrent loans to loans | 1.2137% | 3,392 |
| Net loans and leases to total assets | 65.9160% | 2,657 |
| Net loans and leases to deposits | 82.8026% | 2,029 |
| Net loans and leases to core deposits | 85.6706% | 2,444 |
| Total domestic deposits to total assets | 78.9176% | 5,755 |
| Equity capital to assets | 10.7129% | 3,052 |
| Core capital (leverage) ratio | 10.0502% | 3,602 |
| Tier 1 risk-based capital ratio | 10.9930% | 6,287 |
| Total risk-based capital ratio | 13.5829% | 5,491 |
| Memoranda: |
| Average total assets | $87,544,421,000 | 25 |
| Average earning assets | $77,756,042,250 | 26 |
| Average equity | $9,426,562,000 | 28 |
| Average total loans | $58,494,778,000 | 22 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3689% | 5,971 |
| Cost of funding earning assets | 0.2983% | 5,840 |
| Net interest margin | 3.0705% | 5,365 |
| Noninterest income to average assets | 1.6250% | 606 |
| Noninterest expense to average assets | 2.8617% | 3,469 |
| Loan and lease loss provision to assets | 0.1889% | 2,003 |
| Net operating income to assets | 0.9418% | 2,607 |
| Return on assets (ROA) | 0.9648% | 2,638 |
| Pretax return on assets | 1.3214% | 2,226 |
| Return on Equity (ROE) | 8.9451% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.9451% | 1,143 |
| Net charge-offs to loans | 0.3864% | 1,672 |
| Credit loss provision to net charge-offs | 73.2109% | 2,759 |
| Earnings coverage of net charge-offs (x) | 5.7644% | 2,834 |
| Efficiency ratio | 64.6087% | 4,775 |
| Assets per employee ($millions) | 5.8492% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5685% | 3,282 |
| Loan loss allowance to noncurrent loans | 113.8823% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.9560% | 3,869 |
| Noncurrent loans to loans | 1.3773% | 3,244 |
| Net loans and leases to total assets | 65.1464% | 2,738 |
| Net loans and leases to deposits | 83.4151% | 1,879 |
| Net loans and leases to core deposits | 87.9050% | 2,118 |
| Total domestic deposits to total assets | 76.2215% | 6,229 |
| Equity capital to assets | 10.7703% | 2,975 |
| Core capital (leverage) ratio | 10.0089% | 3,502 |
| Tier 1 risk-based capital ratio | 11.0467% | 6,312 |
| Total risk-based capital ratio | 13.9188% | 5,322 |
| Memoranda: |
| Average total assets | $87,361,625,000 | 25 |
| Average earning assets | $77,501,496,670 | 26 |
| Average equity | $9,422,992,670 | 28 |
| Average total loans | $58,335,311,670 | 22 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4151% | 5,909 |
| Cost of funding earning assets | 0.3113% | 5,883 |
| Net interest margin | 3.1038% | 5,250 |
| Noninterest income to average assets | 1.6315% | 583 |
| Noninterest expense to average assets | 2.8608% | 3,502 |
| Loan and lease loss provision to assets | 0.2528% | 1,419 |
| Net operating income to assets | 0.9244% | 2,545 |
| Return on assets (ROA) | 0.9429% | 2,606 |
| Pretax return on assets | 1.2822% | 2,288 |
| Return on Equity (ROE) | 8.7353% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.7353% | 1,472 |
| Net charge-offs to loans | 0.4214% | 1,401 |
| Credit loss provision to net charge-offs | 89.4533% | 2,034 |
| Earnings coverage of net charge-offs (x) | 5.3654% | 2,371 |
| Efficiency ratio | 64.1431% | 4,990 |
| Assets per employee ($millions) | 5.4907% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6250% | 3,294 |
| Loan loss allowance to noncurrent loans | 116.1607% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.9726% | 3,982 |
| Noncurrent loans to loans | 1.3989% | 3,472 |
| Net loans and leases to total assets | 65.7762% | 2,414 |
| Net loans and leases to deposits | 85.3771% | 1,434 |
| Net loans and leases to core deposits | 88.5574% | 1,851 |
| Total domestic deposits to total assets | 76.4388% | 6,312 |
| Equity capital to assets | 10.9051% | 3,071 |
| Core capital (leverage) ratio | 9.8921% | 3,539 |
| Tier 1 risk-based capital ratio | 11.0839% | 6,370 |
| Total risk-based capital ratio | 14.0495% | 5,313 |
| Memoranda: |
| Average total assets | $86,895,847,500 | 25 |
| Average earning assets | $76,874,045,000 | 26 |
| Average equity | $9,379,751,000 | 28 |
| Average total loans | $58,284,767,500 | 22 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5377% | 6,315 |
| Cost of funding earning assets | 0.4264% | 5,742 |
| Net interest margin | 3.1113% | 5,790 |
| Noninterest income to average assets | 1.8908% | 472 |
| Noninterest expense to average assets | 3.0147% | 3,220 |
| Loan and lease loss provision to assets | 0.2687% | 2,496 |
| Net operating income to assets | 1.0242% | 2,235 |
| Return on assets (ROA) | 1.0397% | 2,373 |
| Pretax return on assets | 1.3699% | 2,146 |
| Return on Equity (ROE) | 9.1005% | 2,592 |
| Retained earnings to average equity (ytd only) | -9.1048% | 6,610 |
| Net charge-offs to loans | 0.7122% | 1,656 |
| Credit loss provision to net charge-offs | 56.8934% | 4,527 |
| Earnings coverage of net charge-offs (x) | 3.4363% | 3,726 |
| Efficiency ratio | 64.4330% | 4,810 |
| Assets per employee ($millions) | 5.2949% | 1,907 |
| Cash dividends to net income (ytd only)* | 200.0464% | 127 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6105% | 3,262 |
| Loan loss allowance to noncurrent loans | 119.8475% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.9418% | 4,146 |
| Noncurrent loans to loans | 1.3438% | 3,594 |
| Net loans and leases to total assets | 66.2015% | 2,497 |
| Net loans and leases to deposits | 84.5639% | 1,689 |
| Net loans and leases to core deposits | 90.1549% | 1,819 |
| Total domestic deposits to total assets | 75.3764% | 6,416 |
| Equity capital to assets | 10.6838% | 3,306 |
| Core capital (leverage) ratio | 9.7823% | 3,681 |
| Tier 1 risk-based capital ratio | 10.8228% | 6,417 |
| Total risk-based capital ratio | 13.9255% | 5,288 |
| Memoranda: |
| Average total assets | $85,345,094,800 | 24 |
| Average earning assets | $75,352,898,400 | 24 |
| Average equity | $9,749,911,200 | 27 |
| Average total loans | $56,599,684,200 | 21 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5321% | 6,472 |
| Cost of funding earning assets | 0.4610% | 5,718 |
| Net interest margin | 3.0710% | 6,008 |
| Noninterest income to average assets | 1.8967% | 451 |
| Noninterest expense to average assets | 3.0059% | 3,209 |
| Loan and lease loss provision to assets | 0.2695% | 2,415 |
| Net operating income to assets | 1.0324% | 2,359 |
| Return on assets (ROA) | 1.0452% | 2,518 |
| Pretax return on assets | 1.3469% | 2,425 |
| Return on Equity (ROE) | 8.9998% | 2,803 |
| Retained earnings to average equity (ytd only) | -9.2507% | 6,799 |
| Net charge-offs to loans | 0.7843% | 1,411 |
| Credit loss provision to net charge-offs | 52.0145% | 4,348 |
| Earnings coverage of net charge-offs (x) | 3.0945% | 3,787 |
| Efficiency ratio | 64.8512% | 4,649 |
| Assets per employee ($millions) | 5.3468% | 1,785 |
| Cash dividends to net income (ytd only)* | 202.7886% | 52 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6639% | 3,279 |
| Loan loss allowance to noncurrent loans | 118.2412% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 4,284 |
| Noncurrent loans to loans | 1.4072% | 3,687 |
| Net loans and leases to total assets | 66.5626% | 2,549 |
| Net loans and leases to deposits | 84.9834% | 1,728 |
| Net loans and leases to core deposits | 88.3553% | 2,174 |
| Total domestic deposits to total assets | 77.5611% | 6,152 |
| Equity capital to assets | 11.2524% | 2,973 |
| Core capital (leverage) ratio | 10.0693% | 3,443 |
| Tier 1 risk-based capital ratio | 11.1481% | 6,419 |
| Total risk-based capital ratio | 14.3164% | 5,151 |
| Memoranda: |
| Average total assets | $84,920,527,500 | 25 |
| Average earning assets | $75,012,342,750 | 24 |
| Average equity | $9,862,511,000 | 27 |
| Average total loans | $56,107,791,250 | 21 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5252% | 6,578 |
| Cost of funding earning assets | 0.4997% | 5,623 |
| Net interest margin | 3.0256% | 6,189 |
| Noninterest income to average assets | 1.8435% | 455 |
| Noninterest expense to average assets | 2.9304% | 3,508 |
| Loan and lease loss provision to assets | 0.1470% | 3,677 |
| Net operating income to assets | 1.0878% | 2,085 |
| Return on assets (ROA) | 1.1141% | 2,213 |
| Pretax return on assets | 1.4698% | 1,953 |
| Return on Equity (ROE) | 9.4944% | 2,575 |
| Retained earnings to average equity (ytd only) | -8.5527% | 6,789 |
| Net charge-offs to loans | 0.7513% | 1,470 |
| Credit loss provision to net charge-offs | 29.8586% | 4,447 |
| Earnings coverage of net charge-offs (x) | 3.2304% | 3,449 |
| Efficiency ratio | 64.7120% | 4,763 |
| Assets per employee ($millions) | 5.3221% | 1,801 |
| Cash dividends to net income (ytd only)* | 190.0811% | 93 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7363% | 3,086 |
| Loan loss allowance to noncurrent loans | 111.2314% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.0818% | 4,214 |
| Noncurrent loans to loans | 1.5610% | 3,567 |
| Net loans and leases to total assets | 65.1672% | 2,817 |
| Net loans and leases to deposits | 84.6952% | 1,762 |
| Net loans and leases to core deposits | 91.7468% | 1,805 |
| Total domestic deposits to total assets | 73.4453% | 6,715 |
| Equity capital to assets | 11.6543% | 2,449 |
| Core capital (leverage) ratio | 10.5110% | 2,792 |
| Tier 1 risk-based capital ratio | 11.9956% | 5,941 |
| Total risk-based capital ratio | 15.5003% | 4,236 |
| Memoranda: |
| Average total assets | $85,001,384,000 | 25 |
| Average earning assets | $75,218,019,670 | 24 |
| Average equity | $9,973,912,670 | 26 |
| Average total loans | $55,704,551,670 | 21 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5660% | 6,615 |
| Cost of funding earning assets | 0.5138% | 5,725 |
| Net interest margin | 3.0522% | 6,178 |
| Noninterest income to average assets | 1.7372% | 504 |
| Noninterest expense to average assets | 2.8782% | 3,713 |
| Loan and lease loss provision to assets | 0.1964% | 2,980 |
| Net operating income to assets | 0.9748% | 2,579 |
| Return on assets (ROA) | 0.9889% | 2,716 |
| Pretax return on assets | 1.3801% | 2,246 |
| Return on Equity (ROE) | 8.4002% | 3,105 |
| Retained earnings to average equity (ytd only) | -9.4782% | 6,823 |
| Net charge-offs to loans | 0.8568% | 1,197 |
| Credit loss provision to net charge-offs | 35.1855% | 3,532 |
| Earnings coverage of net charge-offs (x) | 2.7990% | 3,063 |
| Efficiency ratio | 64.7068% | 4,794 |
| Assets per employee ($millions) | 5.4930% | 1,699 |
| Cash dividends to net income (ytd only)* | 212.8324% | 151 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8680% | 2,778 |
| Loan loss allowance to noncurrent loans | 108.7124% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 1.2073% | 4,109 |
| Noncurrent loans to loans | 1.7183% | 3,534 |
| Net loans and leases to total assets | 64.0579% | 2,839 |
| Net loans and leases to deposits | 84.8413% | 1,558 |
| Net loans and leases to core deposits | 89.1910% | 1,930 |
| Total domestic deposits to total assets | 74.4027% | 6,711 |
| Equity capital to assets | 11.8127% | 2,172 |
| Core capital (leverage) ratio | 10.8176% | 2,426 |
| Tier 1 risk-based capital ratio | 12.3337% | 5,731 |
| Total risk-based capital ratio | 15.8508% | 3,980 |
| Memoranda: |
| Average total assets | $85,518,847,000 | 25 |
| Average earning assets | $75,743,816,000 | 24 |
| Average equity | $10,068,019,500 | 26 |
| Average total loans | $55,714,107,500 | 21 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7013% | 6,848 |
| Cost of funding earning assets | 0.6203% | 5,984 |
| Net interest margin | 3.0810% | 6,382 |
| Noninterest income to average assets | 1.7618% | 461 |
| Noninterest expense to average assets | 2.8964% | 3,970 |
| Loan and lease loss provision to assets | -0.0689% | 7,257 |
| Net operating income to assets | 1.1749% | 1,586 |
| Return on assets (ROA) | 1.1243% | 1,862 |
| Pretax return on assets | 1.6051% | 1,186 |
| Return on Equity (ROE) | 9.8738% | 2,101 |
| Retained earnings to average equity (ytd only) | 6.8388% | 1,577 |
| Net charge-offs to loans | 1.1969% | 1,405 |
| Credit loss provision to net charge-offs | -9.0051% | 6,612 |
| Earnings coverage of net charge-offs (x) | 2.0758% | 4,224 |
| Efficiency ratio | 64.4800% | 5,045 |
| Assets per employee ($millions) | 5.3473% | 1,781 |
| Cash dividends to net income (ytd only)* | 30.7385% | 3,086 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9763% | 2,349 |
| Loan loss allowance to noncurrent loans | 109.5682% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 1.2618% | 4,124 |
| Noncurrent loans to loans | 1.8037% | 3,463 |
| Net loans and leases to total assets | 63.7364% | 3,247 |
| Net loans and leases to deposits | 85.5567% | 1,725 |
| Net loans and leases to core deposits | 89.5560% | 2,185 |
| Total domestic deposits to total assets | 73.7204% | 6,747 |
| Equity capital to assets | 11.7337% | 2,316 |
| Core capital (leverage) ratio | 10.8714% | 2,380 |
| Tier 1 risk-based capital ratio | 12.3486% | 5,584 |
| Total risk-based capital ratio | 15.9847% | 3,779 |
| Memoranda: |
| Average total assets | $86,808,064,000 | 22 |
| Average earning assets | $76,688,562,000 | 21 |
| Average equity | $9,884,448,800 | 25 |
| Average total loans | $55,457,236,400 | 20 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7338% | 6,904 |
| Cost of funding earning assets | 0.6418% | 6,077 |
| Net interest margin | 3.0921% | 6,397 |
| Noninterest income to average assets | 1.7647% | 455 |
| Noninterest expense to average assets | 2.8844% | 3,997 |
| Loan and lease loss provision to assets | -0.0581% | 7,336 |
| Net operating income to assets | 1.1754% | 1,727 |
| Return on assets (ROA) | 1.1159% | 2,052 |
| Pretax return on assets | 1.6081% | 1,364 |
| Return on Equity (ROE) | 9.8745% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.8745% | 879 |
| Net charge-offs to loans | 1.2861% | 1,204 |
| Credit loss provision to net charge-offs | -7.1052% | 6,405 |
| Earnings coverage of net charge-offs (x) | 1.9683% | 4,177 |
| Efficiency ratio | 64.0571% | 5,060 |
| Assets per employee ($millions) | 5.6098% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2818% | 1,723 |
| Loan loss allowance to noncurrent loans | 124.5600% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 1.2405% | 4,316 |
| Noncurrent loans to loans | 1.8319% | 3,594 |
| Net loans and leases to total assets | 61.6342% | 3,812 |
| Net loans and leases to deposits | 83.8426% | 2,027 |
| Net loans and leases to core deposits | 91.6937% | 2,036 |
| Total domestic deposits to total assets | 69.9633% | 7,044 |
| Equity capital to assets | 11.8563% | 2,370 |
| Core capital (leverage) ratio | 10.9262% | 2,453 |
| Tier 1 risk-based capital ratio | 12.7458% | 5,296 |
| Total risk-based capital ratio | 16.4453% | 3,513 |
| Memoranda: |
| Average total assets | $86,960,371,000 | 21 |
| Average earning assets | $76,769,058,000 | 20 |
| Average equity | $9,826,982,250 | 25 |
| Average total loans | $55,309,604,750 | 19 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7897% | 6,929 |
| Cost of funding earning assets | 0.6587% | 6,176 |
| Net interest margin | 3.1310% | 6,334 |
| Noninterest income to average assets | 1.7254% | 452 |
| Noninterest expense to average assets | 2.8781% | 4,110 |
| Loan and lease loss provision to assets | -0.1095% | 7,426 |
| Net operating income to assets | 1.2420% | 1,457 |
| Return on assets (ROA) | 1.1940% | 1,676 |
| Pretax return on assets | 1.6709% | 1,108 |
| Return on Equity (ROE) | 10.7409% | 1,886 |
| Retained earnings to average equity (ytd only) | 10.7409% | 717 |
| Net charge-offs to loans | 1.4206% | 1,062 |
| Credit loss provision to net charge-offs | -12.0900% | 6,181 |
| Earnings coverage of net charge-offs (x) | 1.7772% | 3,979 |
| Efficiency ratio | 64.0037% | 5,238 |
| Assets per employee ($millions) | 5.5977% | 1,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4597% | 1,510 |
| Loan loss allowance to noncurrent loans | 123.2030% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3276% | 4,245 |
| Noncurrent loans to loans | 1.9965% | 3,481 |
| Net loans and leases to total assets | 61.7757% | 3,932 |
| Net loans and leases to deposits | 84.9663% | 1,950 |
| Net loans and leases to core deposits | 93.0452% | 2,013 |
| Total domestic deposits to total assets | 69.5501% | 7,136 |
| Equity capital to assets | 11.6741% | 2,347 |
| Core capital (leverage) ratio | 11.6459% | 1,815 |
| Tier 1 risk-based capital ratio | 13.7467% | 4,346 |
| Total risk-based capital ratio | 17.8399% | 2,653 |
| Memoranda: |
| Average total assets | $87,092,121,670 | 22 |
| Average earning assets | $76,853,347,000 | 21 |
| Average equity | $9,681,508,000 | 26 |
| Average total loans | $55,546,297,670 | 20 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8592% | 6,875 |
| Cost of funding earning assets | 0.6788% | 6,254 |
| Net interest margin | 3.1804% | 6,128 |
| Noninterest income to average assets | 1.6702% | 487 |
| Noninterest expense to average assets | 2.9652% | 3,791 |
| Loan and lease loss provision to assets | -0.1829% | 7,506 |
| Net operating income to assets | 1.2394% | 1,424 |
| Return on assets (ROA) | 1.1811% | 1,619 |
| Pretax return on assets | 1.6307% | 1,125 |
| Return on Equity (ROE) | 10.8928% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.8928% | 918 |
| Net charge-offs to loans | 1.6197% | 832 |
| Credit loss provision to net charge-offs | -17.6447% | 5,600 |
| Earnings coverage of net charge-offs (x) | 1.4558% | 3,617 |
| Efficiency ratio | 66.1514% | 5,009 |
| Assets per employee ($millions) | 5.6695% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6854% | 1,219 |
| Loan loss allowance to noncurrent loans | 122.6947% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.5077% | 3,993 |
| Noncurrent loans to loans | 2.1887% | 3,335 |
| Net loans and leases to total assets | 61.9590% | 3,863 |
| Net loans and leases to deposits | 85.0470% | 1,868 |
| Net loans and leases to core deposits | 98.2049% | 1,505 |
| Total domestic deposits to total assets | 66.4631% | 7,316 |
| Equity capital to assets | 11.0945% | 2,595 |
| Core capital (leverage) ratio | 10.8905% | 2,269 |
| Tier 1 risk-based capital ratio | 13.1826% | 4,679 |
| Total risk-based capital ratio | 17.2449% | 2,877 |
| Memoranda: |
| Average total assets | $87,673,119,500 | 21 |
| Average earning assets | $77,297,086,500 | 21 |
| Average equity | $9,506,493,000 | 26 |
| Average total loans | $56,108,162,500 | 19 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2198% | 6,897 |
| Cost of funding earning assets | 0.9756% | 5,810 |
| Net interest margin | 3.2443% | 6,155 |
| Noninterest income to average assets | 1.7494% | 492 |
| Noninterest expense to average assets | 2.9331% | 4,095 |
| Loan and lease loss provision to assets | 0.7064% | 2,322 |
| Net operating income to assets | 0.7324% | 3,087 |
| Return on assets (ROA) | 0.7049% | 3,338 |
| Pretax return on assets | 0.9256% | 3,171 |
| Return on Equity (ROE) | 7.0919% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.0919% | 1,282 |
| Net charge-offs to loans | 2.7986% | 629 |
| Credit loss provision to net charge-offs | 37.7453% | 6,415 |
| Earnings coverage of net charge-offs (x) | 0.8872% | 5,233 |
| Efficiency ratio | 63.5367% | 5,429 |
| Assets per employee ($millions) | 5.6998% | 1,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0149% | 856 |
| Loan loss allowance to noncurrent loans | 115.7748% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 1.8230% | 3,599 |
| Noncurrent loans to loans | 2.6041% | 2,922 |
| Net loans and leases to total assets | 62.3793% | 4,206 |
| Net loans and leases to deposits | 86.1294% | 2,069 |
| Net loans and leases to core deposits | 97.6195% | 1,831 |
| Total domestic deposits to total assets | 67.5527% | 7,338 |
| Equity capital to assets | 10.5969% | 3,065 |
| Core capital (leverage) ratio | 10.3437% | 2,729 |
| Tier 1 risk-based capital ratio | 12.3785% | 5,134 |
| Total risk-based capital ratio | 16.4849% | 3,086 |
| Memoranda: |
| Average total assets | $90,327,530,600 | 21 |
| Average earning assets | $79,187,354,800 | 21 |
| Average equity | $8,978,728,200 | 25 |
| Average total loans | $60,403,944,600 | 18 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2694% | 7,004 |
| Cost of funding earning assets | 1.0468% | 5,710 |
| Net interest margin | 3.2226% | 6,266 |
| Noninterest income to average assets | 1.6511% | 515 |
| Noninterest expense to average assets | 2.9361% | 3,959 |
| Loan and lease loss provision to assets | 1.0803% | 1,350 |
| Net operating income to assets | 0.4085% | 4,717 |
| Return on assets (ROA) | 0.3904% | 4,970 |
| Pretax return on assets | 0.4382% | 5,117 |
| Return on Equity (ROE) | 3.9920% | 4,784 |
| Retained earnings to average equity (ytd only) | 3.9920% | 3,668 |
| Net charge-offs to loans | 3.0524% | 497 |
| Credit loss provision to net charge-offs | 52.4371% | 5,850 |
| Earnings coverage of net charge-offs (x) | 0.7462% | 5,318 |
| Efficiency ratio | 65.2884% | 5,005 |
| Assets per employee ($millions) | 5.8058% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.5498% | 519 |
| Loan loss allowance to noncurrent loans | 112.8123% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 2.2249% | 3,166 |
| Noncurrent loans to loans | 3.1467% | 2,534 |
| Net loans and leases to total assets | 62.6118% | 4,404 |
| Net loans and leases to deposits | 86.1425% | 2,307 |
| Net loans and leases to core deposits | 99.9707% | 1,854 |
| Total domestic deposits to total assets | 66.9842% | 7,431 |
| Equity capital to assets | 10.2820% | 3,792 |
| Core capital (leverage) ratio | 9.9243% | 3,329 |
| Tier 1 risk-based capital ratio | 11.5975% | 5,833 |
| Total risk-based capital ratio | 15.6516% | 3,538 |
| Memoranda: |
| Average total assets | $90,761,510,750 | 21 |
| Average earning assets | $79,485,345,250 | 21 |
| Average equity | $8,876,422,250 | 25 |
| Average total loans | $61,259,750,250 | 17 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3124% | 7,030 |
| Cost of funding earning assets | 1.1371% | 5,475 |
| Net interest margin | 3.1754% | 6,391 |
| Noninterest income to average assets | 1.6230% | 497 |
| Noninterest expense to average assets | 2.9208% | 4,002 |
| Loan and lease loss provision to assets | 1.4104% | 947 |
| Net operating income to assets | 0.1728% | 5,654 |
| Return on assets (ROA) | 0.1093% | 5,950 |
| Pretax return on assets | 0.0094% | 6,141 |
| Return on Equity (ROE) | 1.1372% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.1372% | 5,302 |
| Net charge-offs to loans | 3.2913% | 459 |
| Credit loss provision to net charge-offs | 62.6966% | 5,140 |
| Earnings coverage of net charge-offs (x) | 0.6594% | 5,087 |
| Efficiency ratio | 65.9623% | 4,988 |
| Assets per employee ($millions) | 5.8428% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8684% | 412 |
| Loan loss allowance to noncurrent loans | 102.4952% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 2.7052% | 2,674 |
| Noncurrent loans to loans | 3.7743% | 2,052 |
| Net loans and leases to total assets | 64.3224% | 4,193 |
| Net loans and leases to deposits | 88.3433% | 2,115 |
| Net loans and leases to core deposits | 102.3139% | 1,799 |
| Total domestic deposits to total assets | 68.1928% | 7,422 |
| Equity capital to assets | 9.8552% | 4,194 |
| Core capital (leverage) ratio | 9.4030% | 3,955 |
| Tier 1 risk-based capital ratio | 10.8882% | 6,361 |
| Total risk-based capital ratio | 15.2173% | 3,714 |
| Memoranda: |
| Average total assets | $90,931,641,000 | 21 |
| Average earning assets | $79,640,891,330 | 21 |
| Average equity | $8,742,026,670 | 26 |
| Average total loans | $62,150,477,330 | 17 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3843% | 7,017 |
| Cost of funding earning assets | 1.1972% | 5,421 |
| Net interest margin | 3.1871% | 6,330 |
| Noninterest income to average assets | 1.4650% | 554 |
| Noninterest expense to average assets | 2.8916% | 4,094 |
| Loan and lease loss provision to assets | 1.8153% | 620 |
| Net operating income to assets | -0.1595% | 6,493 |
| Return on assets (ROA) | -0.1505% | 6,557 |
| Pretax return on assets | -0.4445% | 6,749 |
| Return on Equity (ROE) | -1.5850% | 6,592 |
| Retained earnings to average equity (ytd only) | -1.5850% | 6,142 |
| Net charge-offs to loans | 3.5447% | 395 |
| Credit loss provision to net charge-offs | 74.1508% | 4,008 |
| Earnings coverage of net charge-offs (x) | 0.5562% | 4,534 |
| Efficiency ratio | 67.6131% | 4,798 |
| Assets per employee ($millions) | 5.8794% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1021% | 344 |
| Loan loss allowance to noncurrent loans | 90.7504% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 3.2655% | 2,197 |
| Noncurrent loans to loans | 4.5202% | 1,654 |
| Net loans and leases to total assets | 65.3689% | 4,029 |
| Net loans and leases to deposits | 87.3965% | 2,335 |
| Net loans and leases to core deposits | 102.1119% | 1,886 |
| Total domestic deposits to total assets | 70.2966% | 7,393 |
| Equity capital to assets | 9.4735% | 4,576 |
| Core capital (leverage) ratio | 8.9380% | 4,668 |
| Tier 1 risk-based capital ratio | 10.1422% | 6,937 |
| Total risk-based capital ratio | 14.4016% | 4,196 |
| Memoranda: |
| Average total assets | $91,066,177,000 | 20 |
| Average earning assets | $79,670,388,000 | 21 |
| Average equity | $8,645,559,000 | 26 |
| Average total loans | $62,894,172,500 | 17 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4363% | 7,445 |
| Cost of funding earning assets | 1.5065% | 5,485 |
| Net interest margin | 2.9299% | 6,801 |
| Noninterest income to average assets | 1.7001% | 504 |
| Noninterest expense to average assets | 3.2447% | 3,208 |
| Loan and lease loss provision to assets | 3.3146% | 480 |
| Net operating income to assets | -1.2481% | 6,736 |
| Return on assets (ROA) | -1.2077% | 6,711 |
| Pretax return on assets | -2.1875% | 7,011 |
| Return on Equity (ROE) | -13.5601% | 6,859 |
| Retained earnings to average equity (ytd only) | -13.5601% | 6,786 |
| Net charge-offs to loans | 3.3948% | 583 |
| Credit loss provision to net charge-offs | 131.6335% | 3,838 |
| Earnings coverage of net charge-offs (x) | 0.4126% | 5,699 |
| Efficiency ratio | 70.1333% | 4,595 |
| Assets per employee ($millions) | 5.7104% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.2648% | 301 |
| Loan loss allowance to noncurrent loans | 108.2343% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 2.9877% | 2,346 |
| Noncurrent loans to loans | 3.9403% | 1,884 |
| Net loans and leases to total assets | 66.9966% | 3,929 |
| Net loans and leases to deposits | 87.1499% | 2,711 |
| Net loans and leases to core deposits | 108.2711% | 3,076 |
| Total domestic deposits to total assets | 72.1314% | 7,230 |
| Equity capital to assets | 9.5144% | 4,395 |
| Core capital (leverage) ratio | 8.8514% | 4,682 |
| Tier 1 risk-based capital ratio | 9.8987% | 6,957 |
| Total risk-based capital ratio | 14.2283% | 4,104 |
| Memoranda: |
| Average total assets | $95,314,434,200 | 20 |
| Average earning assets | $84,044,847,200 | 19 |
| Average equity | $8,488,650,400 | 25 |
| Average total loans | $70,698,398,400 | 16 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3919% | 7,618 |
| Cost of funding earning assets | 1.5481% | 5,643 |
| Net interest margin | 2.8437% | 6,976 |
| Noninterest income to average assets | 1.7135% | 499 |
| Noninterest expense to average assets | 3.2397% | 3,156 |
| Loan and lease loss provision to assets | 3.3170% | 414 |
| Net operating income to assets | -1.4005% | 7,066 |
| Return on assets (ROA) | -1.3324% | 7,026 |
| Pretax return on assets | -2.1981% | 7,251 |
| Return on Equity (ROE) | -15.2030% | 7,200 |
| Retained earnings to average equity (ytd only) | -15.2030% | 7,147 |
| Net charge-offs to loans | 3.0420% | 539 |
| Credit loss provision to net charge-offs | 145.0929% | 3,351 |
| Earnings coverage of net charge-offs (x) | 0.4322% | 5,599 |
| Efficiency ratio | 69.2798% | 4,728 |
| Assets per employee ($millions) | 5.6828% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9692% | 304 |
| Loan loss allowance to noncurrent loans | 88.0295% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 3.4289% | 1,950 |
| Noncurrent loans to loans | 4.5090% | 1,549 |
| Net loans and leases to total assets | 68.3607% | 3,877 |
| Net loans and leases to deposits | 89.4756% | 2,678 |
| Net loans and leases to core deposits | 113.7431% | 2,858 |
| Total domestic deposits to total assets | 71.1798% | 7,317 |
| Equity capital to assets | 9.0308% | 5,444 |
| Core capital (leverage) ratio | 8.6677% | 5,189 |
| Tier 1 risk-based capital ratio | 9.3196% | 7,482 |
| Total risk-based capital ratio | 13.4679% | 4,720 |
| Memoranda: |
| Average total assets | $96,598,262,250 | 21 |
| Average earning assets | $85,402,126,250 | 20 |
| Average equity | $8,465,821,500 | 26 |
| Average total loans | $72,595,906,500 | 17 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6197% | 7,501 |
| Cost of funding earning assets | 1.7004% | 5,271 |
| Net interest margin | 2.9193% | 6,757 |
| Noninterest income to average assets | 1.9187% | 399 |
| Noninterest expense to average assets | 3.3074% | 2,927 |
| Loan and lease loss provision to assets | 3.5372% | 404 |
| Net operating income to assets | -1.4373% | 7,213 |
| Return on assets (ROA) | -1.2722% | 7,153 |
| Pretax return on assets | -2.0853% | 7,312 |
| Return on Equity (ROE) | -14.6589% | 7,313 |
| Retained earnings to average equity (ytd only) | -14.6589% | 7,221 |
| Net charge-offs to loans | 2.7651% | 602 |
| Credit loss provision to net charge-offs | 167.3889% | 2,745 |
| Earnings coverage of net charge-offs (x) | 0.5647% | 5,146 |
| Efficiency ratio | 65.5264% | 5,627 |
| Assets per employee ($millions) | 5.7193% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.4919% | 382 |
| Loan loss allowance to noncurrent loans | 85.7386% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 3.2893% | 1,887 |
| Noncurrent loans to loans | 4.0727% | 1,649 |
| Net loans and leases to total assets | 72.5123% | 3,082 |
| Net loans and leases to deposits | 95.0019% | 1,953 |
| Net loans and leases to core deposits | 123.7101% | 2,052 |
| Total domestic deposits to total assets | 70.7935% | 7,391 |
| Equity capital to assets | 8.8454% | 5,530 |
| Core capital (leverage) ratio | 8.3965% | 5,626 |
| Tier 1 risk-based capital ratio | 8.8007% | 7,785 |
| Total risk-based capital ratio | 13.0114% | 5,056 |
| Memoranda: |
| Average total assets | $97,544,227,670 | 20 |
| Average earning assets | $86,277,551,330 | 19 |
| Average equity | $8,465,333,330 | 25 |
| Average total loans | $74,546,383,330 | 14 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6607% | 7,560 |
| Cost of funding earning assets | 1.7212% | 5,513 |
| Net interest margin | 2.9395% | 6,640 |
| Noninterest income to average assets | 2.0832% | 342 |
| Noninterest expense to average assets | 3.4206% | 2,298 |
| Loan and lease loss provision to assets | 3.5464% | 292 |
| Net operating income to assets | -1.4246% | 7,464 |
| Return on assets (ROA) | -1.4227% | 7,481 |
| Pretax return on assets | -2.2858% | 7,611 |
| Return on Equity (ROE) | -16.5468% | 7,661 |
| Retained earnings to average equity (ytd only) | -16.5468% | 7,517 |
| Net charge-offs to loans | 2.5875% | 528 |
| Credit loss provision to net charge-offs | 177.8960% | 2,439 |
| Earnings coverage of net charge-offs (x) | 0.6314% | 4,485 |
| Efficiency ratio | 58.4870% | 6,628 |
| Assets per employee ($millions) | 5.5157% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9270% | 512 |
| Loan loss allowance to noncurrent loans | 96.3527% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 2.5710% | 2,229 |
| Noncurrent loans to loans | 3.0378% | 2,149 |
| Net loans and leases to total assets | 75.8980% | 2,290 |
| Net loans and leases to deposits | 101.7949% | 1,199 |
| Net loans and leases to core deposits | 134.6147% | 1,382 |
| Total domestic deposits to total assets | 68.3628% | 7,568 |
| Equity capital to assets | 8.7070% | 5,755 |
| Core capital (leverage) ratio | 7.8841% | 6,648 |
| Tier 1 risk-based capital ratio | 8.0309% | 8,006 |
| Total risk-based capital ratio | 12.0902% | 5,959 |
| Memoranda: |
| Average total assets | $98,691,889,500 | 21 |
| Average earning assets | $87,161,060,000 | 20 |
| Average equity | $8,485,411,000 | 25 |
| Average total loans | $76,036,495,000 | 15 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2884% | 7,610 |
| Cost of funding earning assets | 2.3738% | 4,838 |
| Net interest margin | 2.9146% | 7,123 |
| Noninterest income to average assets | 1.7336% | 454 |
| Noninterest expense to average assets | 3.1591% | 3,482 |
| Loan and lease loss provision to assets | 1.8665% | 672 |
| Net operating income to assets | -1.1868% | 7,339 |
| Return on assets (ROA) | -1.1805% | 7,272 |
| Pretax return on assets | -0.7341% | 6,835 |
| Return on Equity (ROE) | -14.5013% | 7,567 |
| Retained earnings to average equity (ytd only) | -14.5013% | 7,430 |
| Net charge-offs to loans | 1.6305% | 690 |
| Credit loss provision to net charge-offs | 145.6827% | 3,624 |
| Earnings coverage of net charge-offs (x) | 0.8789% | 5,699 |
| Efficiency ratio | 66.9451% | 4,916 |
| Assets per employee ($millions) | 5.9451% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3299% | 819 |
| Loan loss allowance to noncurrent loans | 103.1014% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.8633% | 2,645 |
| Noncurrent loans to loans | 2.2598% | 2,441 |
| Net loans and leases to total assets | 74.2033% | 3,057 |
| Net loans and leases to deposits | 107.7666% | 990 |
| Net loans and leases to core deposits | 143.6389% | 1,104 |
| Total domestic deposits to total assets | 63.0429% | 7,837 |
| Equity capital to assets | 8.4956% | 6,092 |
| Core capital (leverage) ratio | 7.8098% | 6,785 |
| Tier 1 risk-based capital ratio | 7.8332% | 8,106 |
| Total risk-based capital ratio | 11.8498% | 6,007 |
| Memoranda: |
| Average total assets | $98,313,705,400 | 21 |
| Average earning assets | $86,067,318,600 | 20 |
| Average equity | $8,003,359,400 | 27 |
| Average total loans | $77,253,347,800 | 15 |
