Home > Manufacturers and Traders Trust Company > Performance and Condition Ratios
Manufacturers and Traders Trust Company, Performance and Condition Ratios
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8699% | 1,350 |
| Cost of funding earning assets | 2.1558% | 1,751 |
| Net interest margin | 3.7141% | 1,570 |
| Noninterest income to average assets | 0.8700% | 760 |
| Noninterest expense to average assets | 2.3772% | 2,587 |
| Loan and lease loss provision to assets | 0.3300% | 291 |
| Net operating income to assets | 1.1628% | 1,570 |
| Return on assets (ROA) | 1.1578% | 1,582 |
| Pretax return on assets | 1.4818% | 1,311 |
| Return on Equity (ROE) | 9.3200% | 2,367 |
| Retained earnings to average equity (ytd only) | 7.7849% | 1,434 |
| Net charge-offs to loans | 0.4081% | 294 |
| Credit loss provision to net charge-offs | 127.3121% | 1,314 |
| Earnings coverage of net charge-offs (x) | 6.9711% | 2,129 |
| Efficiency ratio | 55.9739% | 3,577 |
| Assets per employee ($millions) | 9.8088% | 772 |
| Cash dividends to net income (ytd only)* | 16.4304% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6315% | 793 |
| Loan loss allowance to noncurrent loans | 94.8811% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 1.1285% | 504 |
| Noncurrent loans to loans | 1.7195% | 469 |
| Net loans and leases to total assets | 63.7400% | 2,586 |
| Net loans and leases to deposits | 81.1295% | 2,103 |
| Net loans and leases to core deposits | 88.4683% | 2,245 |
| Total domestic deposits to total assets | 78.5500% | 3,643 |
| Equity capital to assets | 12.8189% | 916 |
| Core capital (leverage) ratio | 9.2231% | 3,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6048% | 2,026 |
| Memoranda: | ||
| Average total assets | $210,272,330,000 | 19 |
| Average earning assets | $188,296,895,667 | 19 |
| Average equity | $26,134,301,333 | 13 |
| Average total loans | $134,722,907,333 | 17 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0036% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23,118,086.0000% | 1 |
| Cost of funding earning assets | 201,875.0000% | 1 |
| Net interest margin | 1.0000% | 4,510 |
| Noninterest income to average assets | 0.0034% | 4,495 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 1.0000% | 80 |
| Net operating income to assets | 0.0000% | 4,225 |
| Return on assets (ROA) | 1.0368% | 1,844 |
| Pretax return on assets | 1.2955% | 1,651 |
| Return on Equity (ROE) | 8.4700% | 2,557 |
| Retained earnings to average equity (ytd only) | 285.0000% | 2 |
| Net charge-offs to loans | 0.0671% | 920 |
| Credit loss provision to net charge-offs | 1.0000% | 1,573 |
| Earnings coverage of net charge-offs (x) | 0.0088% | 2,128 |
| Efficiency ratio | 5.9118% | 4,537 |
| Assets per employee ($millions) | 0.0338% | 4,555 |
| Cash dividends to net income (ytd only)* | 93.0000% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 466,201.0000% | 1 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 8,545.0000% | 1 |
| Noncurrent loans to loans | 0.0003% | 3,839 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | 0.0000% | 4,457 |
| Net loans and leases to core deposits | 1,078,174.0000% | 1 |
| Total domestic deposits to total assets | 24,950.0000% | 1 |
| Equity capital to assets | 92,848.0000% | 8 |
| Core capital (leverage) ratio | 0.0000% | 4,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $9,131,000 | 4,536 |
| Average earning assets | $9,610 | 4,545 |
| Average equity | $0 | 4,521 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0038% | 44 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23,347,672.0000% | 1 |
| Cost of funding earning assets | 645,400.0000% | 1 |
| Net interest margin | 4.0000% | 1,207 |
| Noninterest income to average assets | 0.0003% | 4,532 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 1.0000% | 70 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 1.2914% | 1,422 |
| Pretax return on assets | 1.7000% | 1,064 |
| Return on Equity (ROE) | 10.5400% | 2,351 |
| Retained earnings to average equity (ytd only) | 2,514.0000% | 1 |
| Net charge-offs to loans | 0.0468% | 1,407 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.0095% | 2,830 |
| Efficiency ratio | 4.4426% | 4,569 |
| Assets per employee ($millions) | 0.0188% | 4,573 |
| Cash dividends to net income (ytd only)* | 96.0000% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 610,609.0000% | 1 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 8,335.0000% | 1 |
| Noncurrent loans to loans | 0.0003% | 3,813 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 1,095,785.0000% | 1 |
| Total domestic deposits to total assets | 22,462.0000% | 7 |
| Equity capital to assets | 79,020.0000% | 12 |
| Core capital (leverage) ratio | 0.0000% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $30,721,000 | 4,460 |
| Average earning assets | $9,602 | 4,552 |
| Average equity | $0 | 4,537 |
| Average total loans | $0 | 4,477 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1682% | 998 |
| Cost of funding earning assets | 1.0416% | 1,910 |
| Net interest margin | 4.1266% | 1,061 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 2.4608% | 2,346 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.4085% | 1,385 |
| Return on assets (ROA) | 1.4078% | 1,360 |
| Pretax return on assets | 1.8573% | 979 |
| Return on Equity (ROE) | 11.3900% | 2,375 |
| Retained earnings to average equity (ytd only) | 11.3927% | 1,378 |
| Net charge-offs to loans | 0.2121% | 342 |
| Credit loss provision to net charge-offs | 171.1035% | 896 |
| Earnings coverage of net charge-offs (x) | 15.0454% | 1,554 |
| Efficiency ratio | 53.2455% | 3,681 |
| Assets per employee ($millions) | 9.1294% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 1,323 |
| Loan loss allowance to noncurrent loans | 64.5867% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 1.5341% | 210 |
| Noncurrent loans to loans | 2.2985% | 216 |
| Net loans and leases to total assets | 64.7400% | 2,176 |
| Net loans and leases to deposits | 81.0614% | 1,741 |
| Net loans and leases to core deposits | 86.2487% | 1,849 |
| Total domestic deposits to total assets | 79.8400% | 3,780 |
| Equity capital to assets | 12.5183% | 869 |
| Core capital (leverage) ratio | 8.9820% | 3,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0371% | 2,375 |
| Memoranda: | ||
| Average total assets | $201,312,880,000 | 20 |
| Average earning assets | $179,968,456,500 | 20 |
| Average equity | $24,876,040,000 | 14 |
| Average total loans | $132,278,682,500 | 14 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8414% | 2,167 |
| Cost of funding earning assets | 0.2228% | 3,576 |
| Net interest margin | 3.6185% | 1,594 |
| Noninterest income to average assets | 1.0400% | 600 |
| Noninterest expense to average assets | 2.5597% | 1,941 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 1.0986% | 2,178 |
| Return on assets (ROA) | 1.0965% | 2,126 |
| Pretax return on assets | 1.4353% | 1,676 |
| Return on Equity (ROE) | 9.3200% | 3,026 |
| Retained earnings to average equity (ytd only) | -2.1771% | 4,487 |
| Net charge-offs to loans | 0.1397% | 579 |
| Credit loss provision to net charge-offs | 323.4586% | 881 |
| Earnings coverage of net charge-offs (x) | 19.5133% | 1,910 |
| Efficiency ratio | 59.0413% | 3,182 |
| Assets per employee ($millions) | 9.2599% | 841 |
| Cash dividends to net income (ytd only)* | 123.3594% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 1,305 |
| Loan loss allowance to noncurrent loans | 64.0654% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.5221% | 204 |
| Noncurrent loans to loans | 2.2826% | 222 |
| Net loans and leases to total assets | 64.7400% | 2,172 |
| Net loans and leases to deposits | 78.1153% | 1,938 |
| Net loans and leases to core deposits | 82.4290% | 1,976 |
| Total domestic deposits to total assets | 82.8600% | 3,448 |
| Equity capital to assets | 12.1939% | 884 |
| Core capital (leverage) ratio | 8.7749% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7211% | 2,481 |
| Memoranda: | ||
| Average total assets | $181,126,598,000 | 21 |
| Average earning assets | $162,503,565,400 | 21 |
| Average equity | $21,309,660,200 | 14 |
| Average total loans | $114,553,931,600 | 18 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5122% | 2,583 |
| Cost of funding earning assets | 0.1200% | 4,126 |
| Net interest margin | 3.3922% | 1,996 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 2.5269% | 1,931 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 0.9192% | 2,799 |
| Return on assets (ROA) | 0.9184% | 2,767 |
| Pretax return on assets | 1.1956% | 2,385 |
| Return on Equity (ROE) | 7.8900% | 3,366 |
| Retained earnings to average equity (ytd only) | -3.8002% | 4,570 |
| Net charge-offs to loans | 0.1448% | 456 |
| Credit loss provision to net charge-offs | 356.8536% | 743 |
| Earnings coverage of net charge-offs (x) | 16.7859% | 1,811 |
| Efficiency ratio | 61.7361% | 2,858 |
| Assets per employee ($millions) | 8.9387% | 915 |
| Cash dividends to net income (ytd only)* | 148.1733% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4619% | 1,417 |
| Loan loss allowance to noncurrent loans | 63.6143% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.5110% | 222 |
| Noncurrent loans to loans | 2.2981% | 246 |
| Net loans and leases to total assets | 63.9100% | 2,097 |
| Net loans and leases to deposits | 75.6003% | 1,917 |
| Net loans and leases to core deposits | 77.3307% | 2,090 |
| Total domestic deposits to total assets | 84.5100% | 3,385 |
| Equity capital to assets | 12.2314% | 834 |
| Core capital (leverage) ratio | 8.5591% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8654% | 2,531 |
| Memoranda: | ||
| Average total assets | $176,360,680,750 | 22 |
| Average earning assets | $158,357,916,500 | 23 |
| Average equity | $20,532,127,500 | 15 |
| Average total loans | $110,297,221,000 | 19 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1347% | 3,224 |
| Cost of funding earning assets | 0.0768% | 4,408 |
| Net interest margin | 3.0579% | 2,692 |
| Noninterest income to average assets | 1.0290% | 627 |
| Noninterest expense to average assets | 2.5471% | 1,788 |
| Loan and lease loss provision to assets | 0.3690% | 158 |
| Net operating income to assets | 0.6715% | 3,411 |
| Return on assets (ROA) | 0.6713% | 3,359 |
| Pretax return on assets | 0.8691% | 3,149 |
| Return on Equity (ROE) | 5.8816% | 3,605 |
| Retained earnings to average equity (ytd only) | -4.4722% | 4,519 |
| Net charge-offs to loans | 0.1084% | 555 |
| Credit loss provision to net charge-offs | 552.0491% | 604 |
| Earnings coverage of net charge-offs (x) | 18.5282% | 1,578 |
| Efficiency ratio | 66.6756% | 2,421 |
| Assets per employee ($millions) | 9.2765% | 814 |
| Cash dividends to net income (ytd only)* | 176.0371% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 1,675 |
| Loan loss allowance to noncurrent loans | 57.7752% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.5649% | 222 |
| Noncurrent loans to loans | 2.4562% | 236 |
| Net loans and leases to total assets | 62.1609% | 2,111 |
| Net loans and leases to deposits | 73.1314% | 1,948 |
| Net loans and leases to core deposits | 75.0276% | 2,090 |
| Total domestic deposits to total assets | 84.9846% | 3,488 |
| Equity capital to assets | 12.1287% | 836 |
| Core capital (leverage) ratio | 8.2686% | 4,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1420% | 2,437 |
| Memoranda: | ||
| Average total assets | $169,254,681,000 | 25 |
| Average earning assets | $152,566,053,667 | 26 |
| Average equity | $19,316,554,000 | 17 |
| Average total loans | $104,328,376,000 | 19 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6953% | 3,959 |
| Cost of funding earning assets | 0.0516% | 4,591 |
| Net interest margin | 2.6438% | 3,547 |
| Noninterest income to average assets | 1.0674% | 596 |
| Noninterest expense to average assets | 2.2584% | 2,659 |
| Loan and lease loss provision to assets | 0.0270% | 1,879 |
| Net operating income to assets | 0.8938% | 2,297 |
| Return on assets (ROA) | 0.8923% | 2,305 |
| Pretax return on assets | 1.1725% | 1,911 |
| Return on Equity (ROE) | 8.1615% | 2,620 |
| Retained earnings to average equity (ytd only) | -1.4629% | 4,192 |
| Net charge-offs to loans | 0.0302% | 1,008 |
| Credit loss provision to net charge-offs | 147.0799% | 868 |
| Earnings coverage of net charge-offs (x) | 65.5281% | 819 |
| Efficiency ratio | 65.1871% | 2,883 |
| Assets per employee ($millions) | 8.9142% | 948 |
| Cash dividends to net income (ytd only)* | 117.9238% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 1,263 |
| Loan loss allowance to noncurrent loans | 50.5808% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.9647% | 151 |
| Noncurrent loans to loans | 3.1701% | 158 |
| Net loans and leases to total assets | 60.3947% | 2,021 |
| Net loans and leases to deposits | 70.1079% | 1,956 |
| Net loans and leases to core deposits | 71.8288% | 2,129 |
| Total domestic deposits to total assets | 86.1259% | 3,217 |
| Equity capital to assets | 11.0363% | 1,319 |
| Core capital (leverage) ratio | 8.4033% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7222% | 2,335 |
| Memoranda: | ||
| Average total assets | $152,053,889,000 | 27 |
| Average earning assets | $137,592,610,000 | 27 |
| Average equity | $16,624,427,500 | 21 |
| Average total loans | $92,284,075,000 | 21 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9204% | 4,018 |
| Cost of funding earning assets | 0.0669% | 4,604 |
| Net interest margin | 2.8535% | 3,551 |
| Noninterest income to average assets | 1.1615% | 782 |
| Noninterest expense to average assets | 2.1430% | 3,262 |
| Loan and lease loss provision to assets | -0.0498% | 4,355 |
| Net operating income to assets | 1.2405% | 1,773 |
| Return on assets (ROA) | 1.2291% | 1,873 |
| Pretax return on assets | 1.6206% | 1,369 |
| Return on Equity (ROE) | 11.2751% | 2,061 |
| Retained earnings to average equity (ytd only) | 4.9958% | 2,782 |
| Net charge-offs to loans | 0.2000% | 481 |
| Credit loss provision to net charge-offs | -38.4913% | 3,227 |
| Earnings coverage of net charge-offs (x) | 12.3391% | 2,118 |
| Efficiency ratio | 57.3060% | 3,545 |
| Assets per employee ($millions) | 9.2330% | 857 |
| Cash dividends to net income (ytd only)* | 55.6914% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5809% | 1,301 |
| Loan loss allowance to noncurrent loans | 48.5909% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.9719% | 160 |
| Noncurrent loans to loans | 3.2535% | 167 |
| Net loans and leases to total assets | 59.0786% | 2,262 |
| Net loans and leases to deposits | 68.3272% | 2,281 |
| Net loans and leases to core deposits | 70.0124% | 2,444 |
| Total domestic deposits to total assets | 86.4438% | 2,739 |
| Equity capital to assets | 10.8337% | 1,915 |
| Core capital (leverage) ratio | 8.1071% | 4,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7093% | 2,357 |
| Memoranda: | ||
| Average total assets | $149,740,676,400 | 26 |
| Average earning assets | $134,694,717,200 | 27 |
| Average equity | $16,323,592,600 | 23 |
| Average total loans | $96,199,305,000 | 17 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9752% | 4,052 |
| Cost of funding earning assets | 0.0713% | 4,683 |
| Net interest margin | 2.9039% | 3,543 |
| Noninterest income to average assets | 1.1701% | 837 |
| Noninterest expense to average assets | 2.1459% | 3,231 |
| Loan and lease loss provision to assets | -0.0539% | 4,469 |
| Net operating income to assets | 1.2769% | 1,896 |
| Return on assets (ROA) | 1.2606% | 2,011 |
| Pretax return on assets | 1.6654% | 1,500 |
| Return on Equity (ROE) | 11.5451% | 2,196 |
| Retained earnings to average equity (ytd only) | 5.1728% | 3,152 |
| Net charge-offs to loans | 0.2219% | 372 |
| Credit loss provision to net charge-offs | -36.7155% | 3,117 |
| Earnings coverage of net charge-offs (x) | 11.2559% | 2,007 |
| Efficiency ratio | 56.6130% | 3,458 |
| Assets per employee ($millions) | 9.2152% | 831 |
| Cash dividends to net income (ytd only)* | 55.1942% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6184% | 1,291 |
| Loan loss allowance to noncurrent loans | 46.3447% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 2.1756% | 157 |
| Noncurrent loans to loans | 3.4922% | 164 |
| Net loans and leases to total assets | 60.7145% | 2,171 |
| Net loans and leases to deposits | 70.3201% | 2,204 |
| Net loans and leases to core deposits | 72.4052% | 2,393 |
| Total domestic deposits to total assets | 86.3204% | 2,626 |
| Equity capital to assets | 10.8741% | 2,104 |
| Core capital (leverage) ratio | 8.1813% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5179% | 2,541 |
| Memoranda: | ||
| Average total assets | $148,512,714,000 | 26 |
| Average earning assets | $133,376,304,500 | 26 |
| Average equity | $16,215,860,000 | 23 |
| Average total loans | $97,040,587,000 | 17 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9992% | 4,050 |
| Cost of funding earning assets | 0.0779% | 4,709 |
| Net interest margin | 2.9212% | 3,527 |
| Noninterest income to average assets | 1.1468% | 865 |
| Noninterest expense to average assets | 2.1688% | 3,191 |
| Loan and lease loss provision to assets | -0.0491% | 4,517 |
| Net operating income to assets | 1.2505% | 2,021 |
| Return on assets (ROA) | 1.2254% | 2,163 |
| Pretax return on assets | 1.6163% | 1,693 |
| Return on Equity (ROE) | 11.2075% | 2,342 |
| Retained earnings to average equity (ytd only) | 5.6276% | 2,949 |
| Net charge-offs to loans | 0.2468% | 355 |
| Credit loss provision to net charge-offs | -32.5474% | 2,952 |
| Earnings coverage of net charge-offs (x) | 9.7296% | 1,821 |
| Efficiency ratio | 57.3746% | 3,355 |
| Assets per employee ($millions) | 9.2023% | 800 |
| Cash dividends to net income (ytd only)* | 49.7869% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 1,227 |
| Loan loss allowance to noncurrent loans | 47.4470% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 2.2305% | 173 |
| Noncurrent loans to loans | 3.4178% | 186 |
| Net loans and leases to total assets | 63.5375% | 2,004 |
| Net loans and leases to deposits | 73.5801% | 2,038 |
| Net loans and leases to core deposits | 76.2176% | 2,218 |
| Total domestic deposits to total assets | 86.3329% | 2,611 |
| Equity capital to assets | 10.8642% | 2,096 |
| Core capital (leverage) ratio | 8.2550% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2343% | 2,634 |
| Memoranda: | ||
| Average total assets | $147,514,396,333 | 24 |
| Average earning assets | $132,350,329,667 | 25 |
| Average equity | $16,129,459,000 | 23 |
| Average total loans | $98,220,647,000 | 16 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1010% | 3,877 |
| Cost of funding earning assets | 0.0899% | 4,706 |
| Net interest margin | 3.0110% | 3,230 |
| Noninterest income to average assets | 1.1575% | 908 |
| Noninterest expense to average assets | 2.2648% | 2,893 |
| Loan and lease loss provision to assets | -0.0595% | 4,666 |
| Net operating income to assets | 1.2542% | 1,966 |
| Return on assets (ROA) | 1.2270% | 2,132 |
| Pretax return on assets | 1.6168% | 1,678 |
| Return on Equity (ROE) | 11.1850% | 2,307 |
| Retained earnings to average equity (ytd only) | 6.1955% | 2,832 |
| Net charge-offs to loans | 0.3042% | 276 |
| Credit loss provision to net charge-offs | -32.9337% | 2,730 |
| Earnings coverage of net charge-offs (x) | 7.7389% | 1,602 |
| Efficiency ratio | 58.5414% | 3,228 |
| Assets per employee ($millions) | 9.0873% | 804 |
| Cash dividends to net income (ytd only)* | 44.6090% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6473% | 1,177 |
| Loan loss allowance to noncurrent loans | 53.7888% | 3,942 |
| Noncurrent assets plus other real estate owned to assets | 2.0492% | 241 |
| Noncurrent loans to loans | 3.0625% | 249 |
| Net loans and leases to total assets | 65.0050% | 1,920 |
| Net loans and leases to deposits | 75.1495% | 1,999 |
| Net loans and leases to core deposits | 78.4318% | 2,149 |
| Total domestic deposits to total assets | 86.0559% | 2,717 |
| Equity capital to assets | 10.7554% | 2,034 |
| Core capital (leverage) ratio | 8.2560% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0119% | 2,658 |
| Memoranda: | ||
| Average total assets | $146,157,668,500 | 24 |
| Average earning assets | $131,009,303,000 | 25 |
| Average equity | $16,033,661,500 | 23 |
| Average total loans | $98,818,759,500 | 15 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5364% | 3,949 |
| Cost of funding earning assets | 0.2493% | 4,376 |
| Net interest margin | 3.2870% | 3,102 |
| Noninterest income to average assets | 1.2337% | 738 |
| Noninterest expense to average assets | 2.2537% | 3,531 |
| Loan and lease loss provision to assets | 0.6030% | 332 |
| Net operating income to assets | 1.0048% | 2,274 |
| Return on assets (ROA) | 0.9994% | 2,438 |
| Pretax return on assets | 1.3034% | 1,964 |
| Return on Equity (ROE) | 8.5153% | 2,594 |
| Retained earnings to average equity (ytd only) | 4.3398% | 2,632 |
| Net charge-offs to loans | 0.2580% | 673 |
| Credit loss provision to net charge-offs | 323.4887% | 1,660 |
| Earnings coverage of net charge-offs (x) | 10.2640% | 2,472 |
| Efficiency ratio | 53.8256% | 4,233 |
| Assets per employee ($millions) | 8.6635% | 842 |
| Cash dividends to net income (ytd only)* | 49.0346% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 929 |
| Loan loss allowance to noncurrent loans | 63.0889% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.9632% | 290 |
| Noncurrent loans to loans | 2.7923% | 334 |
| Net loans and leases to total assets | 67.9931% | 1,829 |
| Net loans and leases to deposits | 79.8184% | 1,884 |
| Net loans and leases to core deposits | 83.7288% | 2,061 |
| Total domestic deposits to total assets | 84.7034% | 2,879 |
| Equity capital to assets | 11.1967% | 2,106 |
| Core capital (leverage) ratio | 8.2746% | 4,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6192% | 2,765 |
| Memoranda: | ||
| Average total assets | $132,639,750,600 | 24 |
| Average earning assets | $118,361,736,400 | 26 |
| Average equity | $15,567,292,200 | 23 |
| Average total loans | $95,843,237,200 | 15 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6118% | 3,986 |
| Cost of funding earning assets | 0.2886% | 4,357 |
| Net interest margin | 3.3232% | 3,118 |
| Noninterest income to average assets | 1.2409% | 710 |
| Noninterest expense to average assets | 2.2986% | 3,425 |
| Loan and lease loss provision to assets | 0.7417% | 269 |
| Net operating income to assets | 0.8979% | 2,717 |
| Return on assets (ROA) | 0.8893% | 2,864 |
| Pretax return on assets | 1.1551% | 2,546 |
| Return on Equity (ROE) | 7.4833% | 3,020 |
| Retained earnings to average equity (ytd only) | 3.6069% | 3,251 |
| Net charge-offs to loans | 0.2102% | 728 |
| Credit loss provision to net charge-offs | 482.7393% | 1,315 |
| Earnings coverage of net charge-offs (x) | 12.4163% | 2,251 |
| Efficiency ratio | 54.3716% | 4,108 |
| Assets per employee ($millions) | 8.4694% | 854 |
| Cash dividends to net income (ytd only)* | 51.8002% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7856% | 752 |
| Loan loss allowance to noncurrent loans | 99.5192% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.3192% | 705 |
| Noncurrent loans to loans | 1.7942% | 738 |
| Net loans and leases to total assets | 69.8624% | 1,974 |
| Net loans and leases to deposits | 82.9550% | 2,026 |
| Net loans and leases to core deposits | 87.1921% | 2,215 |
| Total domestic deposits to total assets | 83.5485% | 2,974 |
| Equity capital to assets | 11.5003% | 2,004 |
| Core capital (leverage) ratio | 8.3440% | 4,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5986% | 2,762 |
| Memoranda: | ||
| Average total assets | $130,244,767,250 | 25 |
| Average earning assets | $116,221,343,750 | 26 |
| Average equity | $15,478,123,250 | 23 |
| Average total loans | $95,195,643,500 | 16 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7824% | 3,907 |
| Cost of funding earning assets | 0.3520% | 4,259 |
| Net interest margin | 3.4304% | 3,005 |
| Noninterest income to average assets | 1.2469% | 650 |
| Noninterest expense to average assets | 2.3728% | 3,333 |
| Loan and lease loss provision to assets | 0.9006% | 249 |
| Net operating income to assets | 0.7966% | 3,056 |
| Return on assets (ROA) | 0.7802% | 3,225 |
| Pretax return on assets | 1.0079% | 2,998 |
| Return on Equity (ROE) | 6.4896% | 3,335 |
| Retained earnings to average equity (ytd only) | 0.6218% | 4,179 |
| Net charge-offs to loans | 0.2556% | 615 |
| Credit loss provision to net charge-offs | 477.5244% | 1,269 |
| Earnings coverage of net charge-offs (x) | 10.2292% | 2,166 |
| Efficiency ratio | 54.8781% | 4,078 |
| Assets per employee ($millions) | 8.4576% | 820 |
| Cash dividends to net income (ytd only)* | 90.4179% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 865 |
| Loan loss allowance to noncurrent loans | 96.8245% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.2707% | 834 |
| Noncurrent loans to loans | 1.7302% | 832 |
| Net loans and leases to total assets | 68.9926% | 2,186 |
| Net loans and leases to deposits | 82.4822% | 2,152 |
| Net loans and leases to core deposits | 86.6124% | 2,388 |
| Total domestic deposits to total assets | 83.0040% | 3,083 |
| Equity capital to assets | 11.2029% | 2,179 |
| Core capital (leverage) ratio | 8.2711% | 4,575 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1349% | 2,929 |
| Memoranda: | ||
| Average total assets | $127,577,620,333 | 25 |
| Average earning assets | $113,620,986,333 | 26 |
| Average equity | $15,337,936,333 | 23 |
| Average total loans | $94,148,184,000 | 18 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1418% | 3,398 |
| Cost of funding earning assets | 0.4928% | 3,973 |
| Net interest margin | 3.6491% | 2,514 |
| Noninterest income to average assets | 1.3703% | 472 |
| Noninterest expense to average assets | 2.6476% | 2,844 |
| Loan and lease loss provision to assets | 0.8194% | 294 |
| Net operating income to assets | 0.8857% | 2,566 |
| Return on assets (ROA) | 0.8334% | 2,863 |
| Pretax return on assets | 1.0728% | 2,604 |
| Return on Equity (ROE) | 6.6723% | 3,073 |
| Retained earnings to average equity (ytd only) | -5.1602% | 4,533 |
| Net charge-offs to loans | 0.2129% | 656 |
| Credit loss provision to net charge-offs | 507.2994% | 865 |
| Earnings coverage of net charge-offs (x) | 12.1243% | 1,703 |
| Efficiency ratio | 57.2101% | 4,092 |
| Assets per employee ($millions) | 7.4052% | 934 |
| Cash dividends to net income (ytd only)* | 177.3385% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 1,446 |
| Loan loss allowance to noncurrent loans | 86.9699% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.3575% | 846 |
| Noncurrent loans to loans | 1.6901% | 898 |
| Net loans and leases to total assets | 74.6124% | 1,517 |
| Net loans and leases to deposits | 91.0013% | 1,406 |
| Net loans and leases to core deposits | 95.7532% | 1,816 |
| Total domestic deposits to total assets | 80.9911% | 3,666 |
| Equity capital to assets | 12.3237% | 1,847 |
| Core capital (leverage) ratio | 9.1281% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5611% | 3,211 |
| Memoranda: | ||
| Average total assets | $121,789,749,500 | 25 |
| Average earning assets | $107,993,318,500 | 27 |
| Average equity | $15,212,312,000 | 23 |
| Average total loans | $92,401,666,500 | 19 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 2,922 |
| Cost of funding earning assets | 0.6461% | 3,431 |
| Net interest margin | 3.8600% | 2,304 |
| Noninterest income to average assets | 1.3414% | 530 |
| Noninterest expense to average assets | 2.5166% | 3,398 |
| Loan and lease loss provision to assets | 0.1472% | 1,456 |
| Net operating income to assets | 1.6095% | 821 |
| Return on assets (ROA) | 1.6213% | 854 |
| Pretax return on assets | 2.1412% | 433 |
| Return on Equity (ROE) | 12.9921% | 1,168 |
| Retained earnings to average equity (ytd only) | -0.4229% | 4,755 |
| Net charge-offs to loans | 0.1611% | 1,247 |
| Credit loss provision to net charge-offs | 123.5588% | 2,057 |
| Earnings coverage of net charge-offs (x) | 19.0889% | 2,018 |
| Efficiency ratio | 52.2089% | 4,588 |
| Assets per employee ($millions) | 7.0892% | 1,006 |
| Cash dividends to net income (ytd only)* | 103.2554% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 2,667 |
| Loan loss allowance to noncurrent loans | 64.5050% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.4454% | 713 |
| Noncurrent loans to loans | 1.7920% | 752 |
| Net loans and leases to total assets | 75.1412% | 1,561 |
| Net loans and leases to deposits | 93.0539% | 1,248 |
| Net loans and leases to core deposits | 98.4475% | 1,699 |
| Total domestic deposits to total assets | 79.3211% | 4,118 |
| Equity capital to assets | 12.6641% | 1,726 |
| Core capital (leverage) ratio | 9.0751% | 4,463 |
| Tier 1 risk-based capital ratio | 10.3424% | 5,065 |
| Total risk-based capital ratio | 11.9864% | 4,859 |
| Memoranda: | ||
| Average total assets | $120,961,165,600 | 24 |
| Average earning assets | $108,070,686,000 | 26 |
| Average equity | $15,094,969,000 | 24 |
| Average total loans | $89,396,713,800 | 17 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 2,975 |
| Cost of funding earning assets | 0.6541% | 3,431 |
| Net interest margin | 3.8714% | 2,362 |
| Noninterest income to average assets | 1.2975% | 552 |
| Noninterest expense to average assets | 2.5252% | 3,364 |
| Loan and lease loss provision to assets | 0.1362% | 1,412 |
| Net operating income to assets | 1.5905% | 953 |
| Return on assets (ROA) | 1.6119% | 943 |
| Pretax return on assets | 2.1278% | 514 |
| Return on Equity (ROE) | 12.9639% | 1,290 |
| Retained earnings to average equity (ytd only) | -0.7337% | 4,836 |
| Net charge-offs to loans | 0.1539% | 1,073 |
| Credit loss provision to net charge-offs | 120.6108% | 1,945 |
| Earnings coverage of net charge-offs (x) | 19.8028% | 1,987 |
| Efficiency ratio | 52.6815% | 4,540 |
| Assets per employee ($millions) | 7.4054% | 882 |
| Cash dividends to net income (ytd only)* | 105.6596% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 2,744 |
| Loan loss allowance to noncurrent loans | 63.6382% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.3782% | 851 |
| Noncurrent loans to loans | 1.8165% | 782 |
| Net loans and leases to total assets | 70.8927% | 2,342 |
| Net loans and leases to deposits | 91.6686% | 1,479 |
| Net loans and leases to core deposits | 96.8860% | 1,920 |
| Total domestic deposits to total assets | 76.0674% | 4,648 |
| Equity capital to assets | 12.1766% | 2,132 |
| Core capital (leverage) ratio | 9.2169% | 4,465 |
| Tier 1 risk-based capital ratio | 10.4680% | 5,085 |
| Total risk-based capital ratio | 12.3032% | 4,779 |
| Memoranda: | ||
| Average total assets | $121,343,430,750 | 25 |
| Average earning assets | $108,595,539,500 | 27 |
| Average equity | $15,087,458,250 | 25 |
| Average total loans | $89,047,856,000 | 18 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 2,781 |
| Cost of funding earning assets | 0.6420% | 3,456 |
| Net interest margin | 3.9240% | 2,169 |
| Noninterest income to average assets | 1.2804% | 529 |
| Noninterest expense to average assets | 2.5277% | 3,393 |
| Loan and lease loss provision to assets | 0.1315% | 1,422 |
| Net operating income to assets | 1.6214% | 861 |
| Return on assets (ROA) | 1.6490% | 845 |
| Pretax return on assets | 2.1750% | 468 |
| Return on Equity (ROE) | 13.1677% | 1,190 |
| Retained earnings to average equity (ytd only) | -0.7938% | 4,803 |
| Net charge-offs to loans | 0.1496% | 1,043 |
| Credit loss provision to net charge-offs | 118.8756% | 1,753 |
| Earnings coverage of net charge-offs (x) | 20.5285% | 1,766 |
| Efficiency ratio | 52.3229% | 4,629 |
| Assets per employee ($millions) | 7.1759% | 921 |
| Cash dividends to net income (ytd only)* | 106.0287% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 2,808 |
| Loan loss allowance to noncurrent loans | 74.3226% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.2152% | 1,087 |
| Noncurrent loans to loans | 1.5417% | 997 |
| Net loans and leases to total assets | 73.2353% | 2,017 |
| Net loans and leases to deposits | 95.1864% | 1,131 |
| Net loans and leases to core deposits | 100.6729% | 1,660 |
| Total domestic deposits to total assets | 75.7928% | 4,695 |
| Equity capital to assets | 12.5534% | 1,825 |
| Core capital (leverage) ratio | 9.3746% | 4,278 |
| Tier 1 risk-based capital ratio | 10.5627% | 5,083 |
| Total risk-based capital ratio | 12.4032% | 4,745 |
| Memoranda: | ||
| Average total assets | $120,111,043,000 | 25 |
| Average earning assets | $107,710,788,670 | 27 |
| Average equity | $15,041,365,000 | 25 |
| Average total loans | $88,836,689,330 | 18 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5625% | 2,656 |
| Cost of funding earning assets | 0.6061% | 3,538 |
| Net interest margin | 3.9564% | 2,000 |
| Noninterest income to average assets | 1.2299% | 542 |
| Noninterest expense to average assets | 2.5925% | 3,235 |
| Loan and lease loss provision to assets | 0.0803% | 2,091 |
| Net operating income to assets | 1.5984% | 902 |
| Return on assets (ROA) | 1.6290% | 870 |
| Pretax return on assets | 2.1444% | 490 |
| Return on Equity (ROE) | 13.0242% | 1,209 |
| Retained earnings to average equity (ytd only) | -1.6816% | 4,719 |
| Net charge-offs to loans | 0.0998% | 1,143 |
| Credit loss provision to net charge-offs | 108.8287% | 1,504 |
| Earnings coverage of net charge-offs (x) | 29.6393% | 1,339 |
| Efficiency ratio | 53.9069% | 4,537 |
| Assets per employee ($millions) | 7.2584% | 892 |
| Cash dividends to net income (ytd only)* | 112.9111% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 2,850 |
| Loan loss allowance to noncurrent loans | 78.0279% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 1.1725% | 1,153 |
| Noncurrent loans to loans | 1.4737% | 1,096 |
| Net loans and leases to total assets | 73.1451% | 1,952 |
| Net loans and leases to deposits | 95.0396% | 1,059 |
| Net loans and leases to core deposits | 100.4524% | 1,580 |
| Total domestic deposits to total assets | 76.0480% | 4,755 |
| Equity capital to assets | 12.5555% | 1,702 |
| Core capital (leverage) ratio | 9.4937% | 4,138 |
| Tier 1 risk-based capital ratio | 10.7230% | 5,100 |
| Total risk-based capital ratio | 12.5833% | 4,725 |
| Memoranda: | ||
| Average total assets | $119,609,282,500 | 27 |
| Average earning assets | $107,278,418,500 | 28 |
| Average equity | $14,960,074,000 | 26 |
| Average total loans | $88,391,701,000 | 19 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 3,027 |
| Cost of funding earning assets | 0.4612% | 3,601 |
| Net interest margin | 3.8640% | 2,451 |
| Noninterest income to average assets | 1.3002% | 549 |
| Noninterest expense to average assets | 2.4310% | 3,799 |
| Loan and lease loss provision to assets | 0.1118% | 1,973 |
| Net operating income to assets | 1.7057% | 689 |
| Return on assets (ROA) | 1.7015% | 684 |
| Pretax return on assets | 2.2247% | 339 |
| Return on Equity (ROE) | 13.6860% | 1,134 |
| Retained earnings to average equity (ytd only) | 3.8718% | 3,452 |
| Net charge-offs to loans | 0.1478% | 1,295 |
| Credit loss provision to net charge-offs | 102.0006% | 2,474 |
| Earnings coverage of net charge-offs (x) | 21.3561% | 1,948 |
| Efficiency ratio | 50.4991% | 4,907 |
| Assets per employee ($millions) | 7.3212% | 866 |
| Cash dividends to net income (ytd only)* | 71.7101% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 2,828 |
| Loan loss allowance to noncurrent loans | 77.6331% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 1,116 |
| Noncurrent loans to loans | 1.4815% | 1,032 |
| Net loans and leases to total assets | 72.9560% | 2,108 |
| Net loans and leases to deposits | 95.2398% | 1,147 |
| Net loans and leases to core deposits | 100.3674% | 1,692 |
| Total domestic deposits to total assets | 75.9052% | 4,766 |
| Equity capital to assets | 12.4594% | 1,596 |
| Core capital (leverage) ratio | 9.4224% | 4,207 |
| Tier 1 risk-based capital ratio | 10.8441% | 5,047 |
| Total risk-based capital ratio | 12.7193% | 4,643 |
| Memoranda: | ||
| Average total assets | $118,016,739,400 | 25 |
| Average earning assets | $106,062,558,400 | 27 |
| Average equity | $14,672,578,000 | 25 |
| Average total loans | $87,535,326,400 | 18 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 3,150 |
| Cost of funding earning assets | 0.4291% | 3,669 |
| Net interest margin | 3.8207% | 2,565 |
| Noninterest income to average assets | 1.2871% | 583 |
| Noninterest expense to average assets | 2.4281% | 3,790 |
| Loan and lease loss provision to assets | 0.1066% | 1,879 |
| Net operating income to assets | 1.6594% | 819 |
| Return on assets (ROA) | 1.6497% | 852 |
| Pretax return on assets | 2.1746% | 412 |
| Return on Equity (ROE) | 13.2762% | 1,339 |
| Retained earnings to average equity (ytd only) | 4.9284% | 3,278 |
| Net charge-offs to loans | 0.1395% | 1,169 |
| Credit loss provision to net charge-offs | 102.8401% | 2,218 |
| Earnings coverage of net charge-offs (x) | 22.1336% | 1,894 |
| Efficiency ratio | 50.9653% | 4,886 |
| Assets per employee ($millions) | 7.1808% | 873 |
| Cash dividends to net income (ytd only)* | 62.8780% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 2,774 |
| Loan loss allowance to noncurrent loans | 75.4498% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 1,115 |
| Noncurrent loans to loans | 1.5560% | 1,027 |
| Net loans and leases to total assets | 73.4616% | 2,083 |
| Net loans and leases to deposits | 94.2288% | 1,360 |
| Net loans and leases to core deposits | 98.2484% | 1,918 |
| Total domestic deposits to total assets | 77.5485% | 4,553 |
| Equity capital to assets | 12.6709% | 1,485 |
| Core capital (leverage) ratio | 9.5460% | 4,119 |
| Tier 1 risk-based capital ratio | 11.0703% | 5,001 |
| Total risk-based capital ratio | 13.0002% | 4,529 |
| Memoranda: | ||
| Average total assets | $117,611,887,500 | 25 |
| Average earning assets | $105,723,327,500 | 27 |
| Average equity | $14,614,225,500 | 25 |
| Average total loans | $87,344,844,500 | 18 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1573% | 3,256 |
| Cost of funding earning assets | 0.4010% | 3,713 |
| Net interest margin | 3.7563% | 2,725 |
| Noninterest income to average assets | 1.2661% | 604 |
| Noninterest expense to average assets | 2.4142% | 3,858 |
| Loan and lease loss provision to assets | 0.1322% | 1,498 |
| Net operating income to assets | 1.5942% | 929 |
| Return on assets (ROA) | 1.5842% | 957 |
| Pretax return on assets | 2.0837% | 506 |
| Return on Equity (ROE) | 12.8327% | 1,426 |
| Retained earnings to average equity (ytd only) | 6.7931% | 2,170 |
| Net charge-offs to loans | 0.1728% | 903 |
| Credit loss provision to net charge-offs | 103.0315% | 1,973 |
| Earnings coverage of net charge-offs (x) | 17.3713% | 1,955 |
| Efficiency ratio | 51.5244% | 4,933 |
| Assets per employee ($millions) | 7.2899% | 833 |
| Cash dividends to net income (ytd only)* | 47.0643% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 2,937 |
| Loan loss allowance to noncurrent loans | 79.0021% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.1966% | 1,197 |
| Noncurrent loans to loans | 1.4668% | 1,150 |
| Net loans and leases to total assets | 73.4383% | 2,050 |
| Net loans and leases to deposits | 95.7654% | 1,169 |
| Net loans and leases to core deposits | 99.0264% | 1,813 |
| Total domestic deposits to total assets | 76.4267% | 4,813 |
| Equity capital to assets | 12.4796% | 1,546 |
| Core capital (leverage) ratio | 9.4656% | 4,148 |
| Tier 1 risk-based capital ratio | 10.9506% | 5,076 |
| Total risk-based capital ratio | 13.0583% | 4,503 |
| Memoranda: | ||
| Average total assets | $118,024,937,000 | 25 |
| Average earning assets | $106,093,600,330 | 27 |
| Average equity | $14,570,462,330 | 25 |
| Average total loans | $87,624,868,330 | 17 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 3,339 |
| Cost of funding earning assets | 0.3741% | 3,787 |
| Net interest margin | 3.6948% | 2,820 |
| Noninterest income to average assets | 1.2590% | 585 |
| Noninterest expense to average assets | 2.4511% | 3,809 |
| Loan and lease loss provision to assets | 0.1457% | 1,278 |
| Net operating income to assets | 1.5223% | 1,029 |
| Return on assets (ROA) | 1.4961% | 1,097 |
| Pretax return on assets | 1.9487% | 643 |
| Return on Equity (ROE) | 12.1848% | 1,513 |
| Retained earnings to average equity (ytd only) | 12.1848% | 651 |
| Net charge-offs to loans | 0.1846% | 792 |
| Credit loss provision to net charge-offs | 106.3172% | 1,486 |
| Earnings coverage of net charge-offs (x) | 15.5283% | 1,660 |
| Efficiency ratio | 53.0432% | 4,877 |
| Assets per employee ($millions) | 7.3940% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 3,037 |
| Loan loss allowance to noncurrent loans | 74.0839% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.2702% | 1,171 |
| Noncurrent loans to loans | 1.5666% | 1,114 |
| Net loans and leases to total assets | 73.2355% | 1,992 |
| Net loans and leases to deposits | 93.5558% | 1,274 |
| Net loans and leases to core deposits | 95.9110% | 1,984 |
| Total domestic deposits to total assets | 78.0040% | 4,730 |
| Equity capital to assets | 12.4348% | 1,521 |
| Core capital (leverage) ratio | 9.2907% | 4,334 |
| Tier 1 risk-based capital ratio | 10.8396% | 5,226 |
| Total risk-based capital ratio | 12.9421% | 4,637 |
| Memoranda: | ||
| Average total assets | $118,080,570,000 | 25 |
| Average earning assets | $106,092,256,000 | 26 |
| Average equity | $14,498,137,000 | 25 |
| Average total loans | $87,632,788,500 | 17 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 3,944 |
| Cost of funding earning assets | 0.3303% | 3,871 |
| Net interest margin | 3.5008% | 3,526 |
| Noninterest income to average assets | 1.2729% | 657 |
| Noninterest expense to average assets | 2.2917% | 4,354 |
| Loan and lease loss provision to assets | 0.1392% | 1,647 |
| Net operating income to assets | 1.2007% | 1,522 |
| Return on assets (ROA) | 1.2104% | 1,515 |
| Pretax return on assets | 2.0021% | 489 |
| Return on Equity (ROE) | 10.0330% | 1,872 |
| Retained earnings to average equity (ytd only) | -1.7078% | 5,252 |
| Net charge-offs to loans | 0.1574% | 1,548 |
| Credit loss provision to net charge-offs | 120.2267% | 2,173 |
| Earnings coverage of net charge-offs (x) | 18.3687% | 2,080 |
| Efficiency ratio | 51.2871% | 5,146 |
| Assets per employee ($millions) | 7.4031% | 808 |
| Cash dividends to net income (ytd only)* | 117.0215% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1541% | 3,030 |
| Loan loss allowance to noncurrent loans | 71.3928% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.3084% | 1,105 |
| Noncurrent loans to loans | 1.6166% | 1,030 |
| Net loans and leases to total assets | 73.4754% | 2,006 |
| Net loans and leases to deposits | 91.8824% | 1,543 |
| Net loans and leases to core deposits | 93.9900% | 2,197 |
| Total domestic deposits to total assets | 79.7777% | 4,380 |
| Equity capital to assets | 12.1215% | 1,750 |
| Core capital (leverage) ratio | 8.6219% | 5,022 |
| Tier 1 risk-based capital ratio | 10.2378% | 5,467 |
| Total risk-based capital ratio | 12.3383% | 4,981 |
| Memoranda: | ||
| Average total assets | $120,723,910,600 | 23 |
| Average earning assets | $108,454,795,600 | 22 |
| Average equity | $14,564,613,200 | 23 |
| Average total loans | $88,776,230,000 | 17 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7702% | 4,101 |
| Cost of funding earning assets | 0.3211% | 3,925 |
| Net interest margin | 3.4490% | 3,681 |
| Noninterest income to average assets | 1.2651% | 656 |
| Noninterest expense to average assets | 2.2673% | 4,381 |
| Loan and lease loss provision to assets | 0.1505% | 1,389 |
| Net operating income to assets | 1.2637% | 1,457 |
| Return on assets (ROA) | 1.2637% | 1,488 |
| Pretax return on assets | 1.9461% | 615 |
| Return on Equity (ROE) | 10.4868% | 1,911 |
| Retained earnings to average equity (ytd only) | 1.5998% | 4,788 |
| Net charge-offs to loans | 0.1688% | 1,232 |
| Credit loss provision to net charge-offs | 121.5789% | 1,988 |
| Earnings coverage of net charge-offs (x) | 16.9391% | 2,141 |
| Efficiency ratio | 51.3456% | 5,154 |
| Assets per employee ($millions) | 7.5021% | 767 |
| Cash dividends to net income (ytd only)* | 84.7446% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 3,196 |
| Loan loss allowance to noncurrent loans | 67.7775% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.3531% | 1,172 |
| Noncurrent loans to loans | 1.6978% | 1,065 |
| Net loans and leases to total assets | 72.3024% | 2,211 |
| Net loans and leases to deposits | 91.0865% | 1,679 |
| Net loans and leases to core deposits | 93.2834% | 2,323 |
| Total domestic deposits to total assets | 79.1493% | 4,505 |
| Equity capital to assets | 12.3279% | 1,762 |
| Core capital (leverage) ratio | 9.0478% | 4,690 |
| Tier 1 risk-based capital ratio | 10.6931% | 5,373 |
| Total risk-based capital ratio | 12.9863% | 4,689 |
| Memoranda: | ||
| Average total assets | $121,386,844,250 | 23 |
| Average earning assets | $109,062,786,500 | 22 |
| Average equity | $14,627,730,000 | 23 |
| Average total loans | $89,028,543,750 | 16 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 4,216 |
| Cost of funding earning assets | 0.3099% | 3,975 |
| Net interest margin | 3.3961% | 3,786 |
| Noninterest income to average assets | 1.2552% | 663 |
| Noninterest expense to average assets | 2.2912% | 4,370 |
| Loan and lease loss provision to assets | 0.1756% | 1,096 |
| Net operating income to assets | 1.2046% | 1,582 |
| Return on assets (ROA) | 1.2046% | 1,617 |
| Pretax return on assets | 1.8407% | 764 |
| Return on Equity (ROE) | 10.0722% | 2,008 |
| Retained earnings to average equity (ytd only) | 1.1544% | 4,778 |
| Net charge-offs to loans | 0.1963% | 1,027 |
| Credit loss provision to net charge-offs | 121.8304% | 1,764 |
| Earnings coverage of net charge-offs (x) | 13.9918% | 2,099 |
| Efficiency ratio | 52.5635% | 5,132 |
| Assets per employee ($millions) | 7.5041% | 738 |
| Cash dividends to net income (ytd only)* | 88.5387% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,419 |
| Loan loss allowance to noncurrent loans | 65.4023% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.3822% | 1,143 |
| Noncurrent loans to loans | 1.7280% | 1,047 |
| Net loans and leases to total assets | 72.9656% | 2,050 |
| Net loans and leases to deposits | 92.2247% | 1,463 |
| Net loans and leases to core deposits | 94.2845% | 2,127 |
| Total domestic deposits to total assets | 78.9140% | 4,634 |
| Equity capital to assets | 12.1777% | 1,807 |
| Core capital (leverage) ratio | 8.8606% | 4,887 |
| Tier 1 risk-based capital ratio | 10.4449% | 5,481 |
| Total risk-based capital ratio | 12.1892% | 5,185 |
| Memoranda: | ||
| Average total assets | $121,890,617,000 | 23 |
| Average earning assets | $109,556,057,670 | 22 |
| Average equity | $14,577,578,670 | 23 |
| Average total loans | $89,477,442,330 | 14 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6370% | 4,312 |
| Cost of funding earning assets | 0.3071% | 3,969 |
| Net interest margin | 3.3299% | 3,917 |
| Noninterest income to average assets | 1.2274% | 682 |
| Noninterest expense to average assets | 2.3475% | 4,270 |
| Loan and lease loss provision to assets | 0.1794% | 971 |
| Net operating income to assets | 1.1387% | 1,717 |
| Return on assets (ROA) | 1.1387% | 1,751 |
| Pretax return on assets | 1.6945% | 1,020 |
| Return on Equity (ROE) | 9.6076% | 2,138 |
| Retained earnings to average equity (ytd only) | 0.6655% | 4,755 |
| Net charge-offs to loans | 0.1907% | 898 |
| Credit loss provision to net charge-offs | 128.4447% | 1,326 |
| Earnings coverage of net charge-offs (x) | 13.4191% | 1,784 |
| Efficiency ratio | 54.9629% | 5,044 |
| Assets per employee ($millions) | 7.6994% | 700 |
| Cash dividends to net income (ytd only)* | 93.0736% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 3,592 |
| Loan loss allowance to noncurrent loans | 60.9505% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.4508% | 1,132 |
| Noncurrent loans to loans | 1.8368% | 1,013 |
| Net loans and leases to total assets | 71.7671% | 2,103 |
| Net loans and leases to deposits | 89.1524% | 1,649 |
| Net loans and leases to core deposits | 91.2617% | 2,233 |
| Total domestic deposits to total assets | 80.3062% | 4,559 |
| Equity capital to assets | 11.8748% | 1,925 |
| Core capital (leverage) ratio | 8.6330% | 5,118 |
| Tier 1 risk-based capital ratio | 10.2888% | 5,624 |
| Total risk-based capital ratio | 12.0149% | 5,347 |
| Memoranda: | ||
| Average total assets | $122,657,084,500 | 22 |
| Average earning assets | $110,281,466,000 | 21 |
| Average equity | $14,537,949,500 | 23 |
| Average total loans | $89,804,383,500 | 14 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5055% | 4,764 |
| Cost of funding earning assets | 0.3589% | 3,425 |
| Net interest margin | 3.1466% | 4,601 |
| Noninterest income to average assets | 1.2313% | 750 |
| Noninterest expense to average assets | 2.2364% | 4,685 |
| Loan and lease loss provision to assets | 0.1527% | 1,640 |
| Net operating income to assets | 1.0610% | 2,083 |
| Return on assets (ROA) | 1.0767% | 2,105 |
| Pretax return on assets | 1.6851% | 1,043 |
| Return on Equity (ROE) | 8.8288% | 2,501 |
| Retained earnings to average equity (ytd only) | -4.1069% | 5,640 |
| Net charge-offs to loans | 0.1759% | 1,560 |
| Credit loss provision to net charge-offs | 121.1848% | 2,190 |
| Earnings coverage of net charge-offs (x) | 14.3878% | 2,297 |
| Efficiency ratio | 54.4225% | 5,210 |
| Assets per employee ($millions) | 7.6287% | 698 |
| Cash dividends to net income (ytd only)* | 146.5171% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,781 |
| Loan loss allowance to noncurrent loans | 58.7353% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.4803% | 1,142 |
| Noncurrent loans to loans | 1.8511% | 1,014 |
| Net loans and leases to total assets | 73.0493% | 2,008 |
| Net loans and leases to deposits | 92.0748% | 1,447 |
| Net loans and leases to core deposits | 94.4299% | 2,062 |
| Total domestic deposits to total assets | 79.1313% | 4,765 |
| Equity capital to assets | 11.8303% | 1,915 |
| Core capital (leverage) ratio | 8.4075% | 5,360 |
| Tier 1 risk-based capital ratio | 10.2580% | 5,670 |
| Total risk-based capital ratio | 11.9783% | 5,381 |
| Memoranda: | ||
| Average total assets | $123,610,644,000 | 21 |
| Average earning assets | $110,717,721,800 | 20 |
| Average equity | $15,074,540,600 | 22 |
| Average total loans | $88,548,383,800 | 13 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4895% | 4,837 |
| Cost of funding earning assets | 0.3576% | 3,458 |
| Net interest margin | 3.1319% | 4,694 |
| Noninterest income to average assets | 1.2201% | 776 |
| Noninterest expense to average assets | 2.2278% | 4,694 |
| Loan and lease loss provision to assets | 0.1367% | 1,717 |
| Net operating income to assets | 1.0547% | 2,178 |
| Return on assets (ROA) | 1.0745% | 2,204 |
| Pretax return on assets | 1.6900% | 1,141 |
| Return on Equity (ROE) | 8.7464% | 2,633 |
| Retained earnings to average equity (ytd only) | -2.2065% | 5,605 |
| Net charge-offs to loans | 0.1618% | 1,411 |
| Credit loss provision to net charge-offs | 118.8515% | 2,103 |
| Earnings coverage of net charge-offs (x) | 15.6114% | 2,171 |
| Efficiency ratio | 54.5240% | 5,197 |
| Assets per employee ($millions) | 7.7993% | 634 |
| Cash dividends to net income (ytd only)* | 125.2273% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 3,898 |
| Loan loss allowance to noncurrent loans | 58.2207% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.4484% | 1,265 |
| Noncurrent loans to loans | 1.8684% | 1,082 |
| Net loans and leases to total assets | 70.0004% | 2,487 |
| Net loans and leases to deposits | 88.8209% | 1,916 |
| Net loans and leases to core deposits | 91.1940% | 2,463 |
| Total domestic deposits to total assets | 78.5983% | 4,809 |
| Equity capital to assets | 11.9191% | 2,172 |
| Core capital (leverage) ratio | 8.7865% | 5,067 |
| Tier 1 risk-based capital ratio | 10.7705% | 5,490 |
| Total risk-based capital ratio | 12.7559% | 4,994 |
| Memoranda: | ||
| Average total assets | $123,855,388,250 | 20 |
| Average earning assets | $110,869,383,000 | 19 |
| Average equity | $15,216,266,000 | 22 |
| Average total loans | $88,043,924,500 | 13 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5192% | 4,814 |
| Cost of funding earning assets | 0.3516% | 3,548 |
| Net interest margin | 3.1676% | 4,648 |
| Noninterest income to average assets | 1.2083% | 773 |
| Noninterest expense to average assets | 2.2619% | 4,707 |
| Loan and lease loss provision to assets | 0.1305% | 1,750 |
| Net operating income to assets | 1.0475% | 2,194 |
| Return on assets (ROA) | 1.0478% | 2,318 |
| Pretax return on assets | 1.6481% | 1,226 |
| Return on Equity (ROE) | 8.4426% | 2,774 |
| Retained earnings to average equity (ytd only) | 1.2403% | 4,886 |
| Net charge-offs to loans | 0.1502% | 1,427 |
| Credit loss provision to net charge-offs | 122.0643% | 1,842 |
| Earnings coverage of net charge-offs (x) | 16.6316% | 1,921 |
| Efficiency ratio | 55.0893% | 5,232 |
| Assets per employee ($millions) | 7.5512% | 685 |
| Cash dividends to net income (ytd only)* | 85.3091% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 3,969 |
| Loan loss allowance to noncurrent loans | 56.4055% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 1.5605% | 1,204 |
| Noncurrent loans to loans | 1.9423% | 1,036 |
| Net loans and leases to total assets | 70.8401% | 2,345 |
| Net loans and leases to deposits | 91.1124% | 1,620 |
| Net loans and leases to core deposits | 93.6064% | 2,201 |
| Total domestic deposits to total assets | 77.5609% | 5,074 |
| Equity capital to assets | 12.5052% | 1,768 |
| Core capital (leverage) ratio | 9.1440% | 4,670 |
| Tier 1 risk-based capital ratio | 11.2437% | 5,295 |
| Total risk-based capital ratio | 13.2506% | 4,740 |
| Memoranda: | ||
| Average total assets | $123,060,802,000 | 20 |
| Average earning assets | $110,012,009,330 | 19 |
| Average equity | $15,272,824,670 | 22 |
| Average total loans | $87,611,992,330 | 13 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5258% | 4,827 |
| Cost of funding earning assets | 0.3411% | 3,703 |
| Net interest margin | 3.1846% | 4,627 |
| Noninterest income to average assets | 1.1608% | 819 |
| Noninterest expense to average assets | 2.3024% | 4,657 |
| Loan and lease loss provision to assets | 0.1585% | 1,320 |
| Net operating income to assets | 0.9860% | 2,343 |
| Return on assets (ROA) | 0.9860% | 2,457 |
| Pretax return on assets | 1.5455% | 1,451 |
| Return on Equity (ROE) | 7.9747% | 2,925 |
| Retained earnings to average equity (ytd only) | 2.0577% | 4,432 |
| Net charge-offs to loans | 0.1926% | 1,020 |
| Credit loss provision to net charge-offs | 115.9748% | 1,470 |
| Earnings coverage of net charge-offs (x) | 12.4680% | 1,792 |
| Efficiency ratio | 56.5369% | 5,148 |
| Assets per employee ($millions) | 7.6372% | 661 |
| Cash dividends to net income (ytd only)* | 74.1972% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 4,083 |
| Loan loss allowance to noncurrent loans | 52.4862% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 1,201 |
| Noncurrent loans to loans | 2.0864% | 1,012 |
| Net loans and leases to total assets | 69.8324% | 2,373 |
| Net loans and leases to deposits | 90.8123% | 1,483 |
| Net loans and leases to core deposits | 93.3386% | 2,063 |
| Total domestic deposits to total assets | 76.7311% | 5,328 |
| Equity capital to assets | 12.3552% | 1,779 |
| Core capital (leverage) ratio | 9.1489% | 4,657 |
| Tier 1 risk-based capital ratio | 11.3320% | 5,326 |
| Total risk-based capital ratio | 13.3473% | 4,756 |
| Memoranda: | ||
| Average total assets | $123,026,050,000 | 20 |
| Average earning assets | $109,929,280,000 | 19 |
| Average equity | $15,210,396,500 | 22 |
| Average total loans | $87,322,059,000 | 13 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 4,924 |
| Cost of funding earning assets | 0.3251% | 3,966 |
| Net interest margin | 3.1730% | 4,706 |
| Noninterest income to average assets | 1.5056% | 551 |
| Noninterest expense to average assets | 2.5107% | 4,196 |
| Loan and lease loss provision to assets | 0.1666% | 1,379 |
| Net operating income to assets | 1.0567% | 2,099 |
| Return on assets (ROA) | 1.0567% | 2,181 |
| Pretax return on assets | 1.6376% | 1,144 |
| Return on Equity (ROE) | 8.6779% | 2,636 |
| Retained earnings to average equity (ytd only) | 4.6458% | 2,682 |
| Net charge-offs to loans | 0.1872% | 1,544 |
| Credit loss provision to net charge-offs | 127.3412% | 2,043 |
| Earnings coverage of net charge-offs (x) | 13.7899% | 2,348 |
| Efficiency ratio | 57.6801% | 5,175 |
| Assets per employee ($millions) | 7.4085% | 742 |
| Cash dividends to net income (ytd only)* | 46.4635% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 4,089 |
| Loan loss allowance to noncurrent loans | 53.5088% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 1.6378% | 1,197 |
| Noncurrent loans to loans | 2.0413% | 1,012 |
| Net loans and leases to total assets | 70.5776% | 2,284 |
| Net loans and leases to deposits | 92.5651% | 1,340 |
| Net loans and leases to core deposits | 95.3573% | 1,903 |
| Total domestic deposits to total assets | 76.0781% | 5,435 |
| Equity capital to assets | 12.3720% | 1,687 |
| Core capital (leverage) ratio | 9.7506% | 3,834 |
| Tier 1 risk-based capital ratio | 11.3283% | 5,364 |
| Total risk-based capital ratio | 13.3531% | 4,786 |
| Memoranda: | ||
| Average total assets | $101,840,239,400 | 24 |
| Average earning assets | $90,167,914,400 | 23 |
| Average equity | $12,400,683,000 | 24 |
| Average total loans | $71,180,940,200 | 19 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5174% | 4,940 |
| Cost of funding earning assets | 0.3192% | 4,116 |
| Net interest margin | 3.1983% | 4,673 |
| Noninterest income to average assets | 1.5772% | 508 |
| Noninterest expense to average assets | 2.5376% | 4,087 |
| Loan and lease loss provision to assets | 0.1543% | 1,409 |
| Net operating income to assets | 1.0968% | 2,024 |
| Return on assets (ROA) | 1.0968% | 2,106 |
| Pretax return on assets | 1.7110% | 1,077 |
| Return on Equity (ROE) | 9.0531% | 2,548 |
| Retained earnings to average equity (ytd only) | 4.5043% | 3,264 |
| Net charge-offs to loans | 0.1935% | 1,319 |
| Credit loss provision to net charge-offs | 114.8789% | 2,059 |
| Earnings coverage of net charge-offs (x) | 13.8874% | 2,286 |
| Efficiency ratio | 57.2110% | 5,204 |
| Assets per employee ($millions) | 6.4872% | 1,075 |
| Cash dividends to net income (ytd only)* | 50.2463% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 2,765 |
| Loan loss allowance to noncurrent loans | 82.0990% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.2668% | 1,845 |
| Noncurrent loans to loans | 1.6616% | 1,472 |
| Net loans and leases to total assets | 69.2281% | 2,501 |
| Net loans and leases to deposits | 90.8282% | 1,547 |
| Net loans and leases to core deposits | 93.1438% | 2,162 |
| Total domestic deposits to total assets | 75.9702% | 5,487 |
| Equity capital to assets | 12.3402% | 1,844 |
| Core capital (leverage) ratio | 9.1139% | 4,856 |
| Tier 1 risk-based capital ratio | 10.5389% | 5,867 |
| Total risk-based capital ratio | 13.0585% | 5,118 |
| Memoranda: | ||
| Average total assets | $96,775,377,500 | 25 |
| Average earning assets | $85,505,761,750 | 25 |
| Average equity | $11,724,300,750 | 26 |
| Average total loans | $67,194,489,000 | 20 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4919% | 5,006 |
| Cost of funding earning assets | 0.3150% | 4,222 |
| Net interest margin | 3.1769% | 4,725 |
| Noninterest income to average assets | 1.5777% | 517 |
| Noninterest expense to average assets | 2.5889% | 3,941 |
| Loan and lease loss provision to assets | 0.1407% | 1,549 |
| Net operating income to assets | 1.0556% | 2,120 |
| Return on assets (ROA) | 1.0556% | 2,232 |
| Pretax return on assets | 1.6522% | 1,186 |
| Return on Equity (ROE) | 8.7676% | 2,675 |
| Retained earnings to average equity (ytd only) | 3.6121% | 3,730 |
| Net charge-offs to loans | 0.1715% | 1,438 |
| Credit loss provision to net charge-offs | 118.5743% | 1,825 |
| Earnings coverage of net charge-offs (x) | 15.1107% | 1,996 |
| Efficiency ratio | 58.5962% | 5,155 |
| Assets per employee ($millions) | 6.4706% | 1,068 |
| Cash dividends to net income (ytd only)* | 58.8019% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3671% | 2,904 |
| Loan loss allowance to noncurrent loans | 79.6556% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 1.2996% | 1,932 |
| Noncurrent loans to loans | 1.7163% | 1,501 |
| Net loans and leases to total assets | 69.2868% | 2,444 |
| Net loans and leases to deposits | 90.6218% | 1,522 |
| Net loans and leases to core deposits | 92.7016% | 2,091 |
| Total domestic deposits to total assets | 76.2391% | 5,571 |
| Equity capital to assets | 12.1685% | 1,901 |
| Core capital (leverage) ratio | 8.9967% | 4,973 |
| Tier 1 risk-based capital ratio | 10.3548% | 5,972 |
| Total risk-based capital ratio | 12.8796% | 5,301 |
| Memoranda: | ||
| Average total assets | $96,664,837,330 | 25 |
| Average earning assets | $85,321,503,670 | 25 |
| Average equity | $11,637,989,330 | 26 |
| Average total loans | $66,874,290,330 | 20 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4371% | 5,125 |
| Cost of funding earning assets | 0.3049% | 4,388 |
| Net interest margin | 3.1322% | 4,845 |
| Noninterest income to average assets | 1.5274% | 523 |
| Noninterest expense to average assets | 2.5564% | 4,074 |
| Loan and lease loss provision to assets | 0.1570% | 1,295 |
| Net operating income to assets | 1.0140% | 2,198 |
| Return on assets (ROA) | 1.0140% | 2,333 |
| Pretax return on assets | 1.5761% | 1,329 |
| Return on Equity (ROE) | 8.4677% | 2,716 |
| Retained earnings to average equity (ytd only) | 3.2913% | 4,011 |
| Net charge-offs to loans | 0.2177% | 1,075 |
| Credit loss provision to net charge-offs | 105.0972% | 1,561 |
| Earnings coverage of net charge-offs (x) | 11.5992% | 1,853 |
| Efficiency ratio | 59.0726% | 5,214 |
| Assets per employee ($millions) | 6.6632% | 991 |
| Cash dividends to net income (ytd only)* | 61.1312% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 3,039 |
| Loan loss allowance to noncurrent loans | 78.7218% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.2860% | 2,071 |
| Noncurrent loans to loans | 1.7473% | 1,561 |
| Net loans and leases to total assets | 67.3312% | 2,555 |
| Net loans and leases to deposits | 87.7810% | 1,635 |
| Net loans and leases to core deposits | 89.7637% | 2,153 |
| Total domestic deposits to total assets | 76.4802% | 5,687 |
| Equity capital to assets | 11.9466% | 2,066 |
| Core capital (leverage) ratio | 9.0227% | 4,924 |
| Tier 1 risk-based capital ratio | 10.3344% | 6,067 |
| Total risk-based capital ratio | 12.8846% | 5,386 |
| Memoranda: | ||
| Average total assets | $96,791,652,000 | 25 |
| Average earning assets | $85,357,836,500 | 24 |
| Average equity | $11,591,066,000 | 26 |
| Average total loans | $66,448,365,000 | 20 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6995% | 4,780 |
| Cost of funding earning assets | 0.2789% | 5,015 |
| Net interest margin | 3.4206% | 4,106 |
| Noninterest income to average assets | 1.6500% | 467 |
| Noninterest expense to average assets | 2.6864% | 3,916 |
| Loan and lease loss provision to assets | 0.1355% | 1,933 |
| Net operating income to assets | 1.2146% | 1,545 |
| Return on assets (ROA) | 1.2146% | 1,600 |
| Pretax return on assets | 1.8154% | 770 |
| Return on Equity (ROE) | 9.7829% | 2,204 |
| Retained earnings to average equity (ytd only) | 5.3532% | 2,367 |
| Net charge-offs to loans | 0.1858% | 2,186 |
| Credit loss provision to net charge-offs | 102.6866% | 2,332 |
| Earnings coverage of net charge-offs (x) | 14.7887% | 2,128 |
| Efficiency ratio | 57.2764% | 5,536 |
| Assets per employee ($millions) | 6.5137% | 1,042 |
| Cash dividends to net income (ytd only)* | 45.2796% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 3,031 |
| Loan loss allowance to noncurrent loans | 72.9521% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.3950% | 1,996 |
| Noncurrent loans to loans | 1.8945% | 1,489 |
| Net loans and leases to total assets | 68.0843% | 2,546 |
| Net loans and leases to deposits | 87.2766% | 1,817 |
| Net loans and leases to core deposits | 89.1742% | 2,367 |
| Total domestic deposits to total assets | 77.7827% | 5,474 |
| Equity capital to assets | 12.0044% | 2,016 |
| Core capital (leverage) ratio | 8.5558% | 5,491 |
| Tier 1 risk-based capital ratio | 10.4555% | 6,122 |
| Total risk-based capital ratio | 13.0620% | 5,395 |
| Memoranda: | ||
| Average total assets | $90,913,700,600 | 25 |
| Average earning assets | $79,395,097,400 | 26 |
| Average equity | $11,287,598,800 | 26 |
| Average total loans | $64,561,771,600 | 19 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7299% | 4,773 |
| Cost of funding earning assets | 0.2733% | 5,173 |
| Net interest margin | 3.4565% | 3,994 |
| Noninterest income to average assets | 1.6618% | 472 |
| Noninterest expense to average assets | 2.7401% | 3,672 |
| Loan and lease loss provision to assets | 0.1343% | 1,862 |
| Net operating income to assets | 1.2106% | 1,644 |
| Return on assets (ROA) | 1.2106% | 1,710 |
| Pretax return on assets | 1.7988% | 898 |
| Return on Equity (ROE) | 9.6646% | 2,366 |
| Retained earnings to average equity (ytd only) | 4.9159% | 3,145 |
| Net charge-offs to loans | 0.1828% | 1,997 |
| Credit loss provision to net charge-offs | 102.6545% | 2,149 |
| Earnings coverage of net charge-offs (x) | 14.7782% | 2,113 |
| Efficiency ratio | 57.9409% | 5,453 |
| Assets per employee ($millions) | 6.5710% | 987 |
| Cash dividends to net income (ytd only)* | 49.1353% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 3,148 |
| Loan loss allowance to noncurrent loans | 64.8282% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.5993% | 1,900 |
| Noncurrent loans to loans | 2.1662% | 1,415 |
| Net loans and leases to total assets | 66.5457% | 2,765 |
| Net loans and leases to deposits | 84.9425% | 2,039 |
| Net loans and leases to core deposits | 86.8145% | 2,570 |
| Total domestic deposits to total assets | 78.0542% | 5,521 |
| Equity capital to assets | 11.9272% | 2,123 |
| Core capital (leverage) ratio | 8.8457% | 5,274 |
| Tier 1 risk-based capital ratio | 10.3900% | 6,241 |
| Total risk-based capital ratio | 13.1991% | 5,436 |
| Memoranda: | ||
| Average total assets | $89,661,984,750 | 26 |
| Average earning assets | $78,114,606,500 | 27 |
| Average equity | $11,230,817,000 | 27 |
| Average total loans | $64,146,685,000 | 20 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8170% | 4,460 |
| Cost of funding earning assets | 0.2631% | 5,354 |
| Net interest margin | 3.5538% | 3,554 |
| Noninterest income to average assets | 1.6889% | 454 |
| Noninterest expense to average assets | 2.8333% | 3,391 |
| Loan and lease loss provision to assets | 0.1406% | 1,759 |
| Net operating income to assets | 1.2161% | 1,546 |
| Return on assets (ROA) | 1.2161% | 1,602 |
| Pretax return on assets | 1.7983% | 846 |
| Return on Equity (ROE) | 9.5409% | 2,357 |
| Retained earnings to average equity (ytd only) | 4.1545% | 3,528 |
| Net charge-offs to loans | 0.1886% | 1,903 |
| Credit loss provision to net charge-offs | 102.1239% | 1,945 |
| Earnings coverage of net charge-offs (x) | 14.0806% | 1,934 |
| Efficiency ratio | 58.6129% | 5,478 |
| Assets per employee ($millions) | 6.0840% | 1,230 |
| Cash dividends to net income (ytd only)* | 56.4563% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 3,240 |
| Loan loss allowance to noncurrent loans | 63.2461% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 1.7391% | 1,872 |
| Noncurrent loans to loans | 2.2470% | 1,453 |
| Net loans and leases to total assets | 70.3449% | 2,026 |
| Net loans and leases to deposits | 89.1484% | 1,457 |
| Net loans and leases to core deposits | 91.3950% | 1,989 |
| Total domestic deposits to total assets | 78.6044% | 5,531 |
| Equity capital to assets | 12.5898% | 1,590 |
| Core capital (leverage) ratio | 8.9295% | 5,115 |
| Tier 1 risk-based capital ratio | 10.2548% | 6,321 |
| Total risk-based capital ratio | 13.0756% | 5,563 |
| Memoranda: | ||
| Average total assets | $87,392,808,670 | 27 |
| Average earning assets | $75,823,264,330 | 27 |
| Average equity | $11,139,044,330 | 27 |
| Average total loans | $63,825,362,670 | 20 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8487% | 4,294 |
| Cost of funding earning assets | 0.2588% | 5,509 |
| Net interest margin | 3.5899% | 3,293 |
| Noninterest income to average assets | 1.6350% | 461 |
| Noninterest expense to average assets | 2.9507% | 3,046 |
| Loan and lease loss provision to assets | 0.1487% | 1,633 |
| Net operating income to assets | 1.0988% | 1,821 |
| Return on assets (ROA) | 1.0988% | 1,884 |
| Pretax return on assets | 1.6473% | 1,075 |
| Return on Equity (ROE) | 8.5660% | 2,664 |
| Retained earnings to average equity (ytd only) | 3.1308% | 4,247 |
| Net charge-offs to loans | 0.2008% | 1,535 |
| Credit loss provision to net charge-offs | 100.2381% | 1,648 |
| Earnings coverage of net charge-offs (x) | 12.1042% | 1,740 |
| Efficiency ratio | 61.3608% | 5,222 |
| Assets per employee ($millions) | 5.9531% | 1,336 |
| Cash dividends to net income (ytd only)* | 63.4504% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 3,449 |
| Loan loss allowance to noncurrent loans | 61.9118% | 4,768 |
| Noncurrent assets plus other real estate owned to assets | 1.8282% | 1,906 |
| Noncurrent loans to loans | 2.3148% | 1,533 |
| Net loans and leases to total assets | 71.4862% | 1,653 |
| Net loans and leases to deposits | 89.8171% | 1,171 |
| Net loans and leases to core deposits | 91.9377% | 1,739 |
| Total domestic deposits to total assets | 79.2729% | 5,636 |
| Equity capital to assets | 12.6685% | 1,474 |
| Core capital (leverage) ratio | 9.1000% | 4,871 |
| Tier 1 risk-based capital ratio | 10.2032% | 6,426 |
| Total risk-based capital ratio | 13.0998% | 5,665 |
| Memoranda: | ||
| Average total assets | $86,058,223,000 | 27 |
| Average earning assets | $74,594,355,500 | 28 |
| Average equity | $11,039,260,500 | 26 |
| Average total loans | $63,604,375,000 | 20 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0743% | 3,834 |
| Cost of funding earning assets | 0.2719% | 5,817 |
| Net interest margin | 3.8024% | 2,649 |
| Noninterest income to average assets | 1.8577% | 439 |
| Noninterest expense to average assets | 2.8657% | 3,475 |
| Loan and lease loss provision to assets | 0.2230% | 1,635 |
| Net operating income to assets | 1.3722% | 1,083 |
| Return on assets (ROA) | 1.4117% | 1,040 |
| Pretax return on assets | 2.1340% | 357 |
| Return on Equity (ROE) | 11.0540% | 1,750 |
| Retained earnings to average equity (ytd only) | 4.4393% | 3,015 |
| Net charge-offs to loans | 0.2817% | 2,287 |
| Credit loss provision to net charge-offs | 101.4131% | 2,382 |
| Earnings coverage of net charge-offs (x) | 10.4462% | 2,363 |
| Efficiency ratio | 54.6032% | 6,085 |
| Assets per employee ($millions) | 5.7090% | 1,466 |
| Cash dividends to net income (ytd only)* | 59.8396% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 3,490 |
| Loan loss allowance to noncurrent loans | 58.9473% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.9729% | 1,820 |
| Noncurrent loans to loans | 2.4341% | 1,570 |
| Net loans and leases to total assets | 74.2660% | 1,304 |
| Net loans and leases to deposits | 91.8954% | 1,063 |
| Net loans and leases to core deposits | 94.3250% | 1,579 |
| Total domestic deposits to total assets | 80.4033% | 5,345 |
| Equity capital to assets | 12.9932% | 1,277 |
| Core capital (leverage) ratio | 9.0932% | 4,865 |
| Tier 1 risk-based capital ratio | 10.0767% | 6,498 |
| Total risk-based capital ratio | 12.9650% | 5,729 |
| Memoranda: | ||
| Average total assets | $82,865,780,200 | 27 |
| Average earning assets | $72,028,305,200 | 28 |
| Average equity | $10,582,536,400 | 26 |
| Average total loans | $64,693,491,400 | 17 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 3,776 |
| Cost of funding earning assets | 0.2768% | 5,914 |
| Net interest margin | 3.8189% | 2,577 |
| Noninterest income to average assets | 1.8821% | 455 |
| Noninterest expense to average assets | 2.7480% | 3,840 |
| Loan and lease loss provision to assets | 0.2315% | 1,566 |
| Net operating income to assets | 1.4666% | 953 |
| Return on assets (ROA) | 1.5195% | 913 |
| Pretax return on assets | 2.3064% | 314 |
| Return on Equity (ROE) | 11.9518% | 1,484 |
| Retained earnings to average equity (ytd only) | 4.9598% | 3,115 |
| Net charge-offs to loans | 0.2898% | 2,088 |
| Credit loss provision to net charge-offs | 101.4447% | 2,307 |
| Earnings coverage of net charge-offs (x) | 10.7686% | 2,320 |
| Efficiency ratio | 51.8541% | 6,264 |
| Assets per employee ($millions) | 5.6428% | 1,505 |
| Cash dividends to net income (ytd only)* | 58.5019% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 3,714 |
| Loan loss allowance to noncurrent loans | 56.3702% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.0768% | 1,930 |
| Noncurrent loans to loans | 2.5611% | 1,676 |
| Net loans and leases to total assets | 74.4162% | 1,229 |
| Net loans and leases to deposits | 92.1257% | 975 |
| Net loans and leases to core deposits | 94.9199% | 1,486 |
| Total domestic deposits to total assets | 80.3683% | 5,400 |
| Equity capital to assets | 12.8448% | 1,396 |
| Core capital (leverage) ratio | 9.1160% | 4,945 |
| Tier 1 risk-based capital ratio | 10.0352% | 6,594 |
| Total risk-based capital ratio | 13.0353% | 5,863 |
| Memoranda: | ||
| Average total assets | $82,491,642,000 | 27 |
| Average earning assets | $71,794,065,250 | 28 |
| Average equity | $10,487,826,750 | 26 |
| Average total loans | $64,975,727,000 | 17 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1003% | 3,733 |
| Cost of funding earning assets | 0.2810% | 5,976 |
| Net interest margin | 3.8194% | 2,479 |
| Noninterest income to average assets | 1.8335% | 505 |
| Noninterest expense to average assets | 2.6858% | 4,085 |
| Loan and lease loss provision to assets | 0.2320% | 1,612 |
| Net operating income to assets | 1.4758% | 941 |
| Return on assets (ROA) | 1.5555% | 881 |
| Pretax return on assets | 2.3674% | 320 |
| Return on Equity (ROE) | 12.2780% | 1,412 |
| Retained earnings to average equity (ytd only) | 4.5885% | 3,349 |
| Net charge-offs to loans | 0.2859% | 2,056 |
| Credit loss provision to net charge-offs | 101.6065% | 2,177 |
| Earnings coverage of net charge-offs (x) | 10.8559% | 2,114 |
| Efficiency ratio | 51.0009% | 6,356 |
| Assets per employee ($millions) | 5.7690% | 1,368 |
| Cash dividends to net income (ytd only)* | 62.6288% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 3,992 |
| Loan loss allowance to noncurrent loans | 55.1780% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 2.1608% | 1,999 |
| Noncurrent loans to loans | 2.5537% | 1,804 |
| Net loans and leases to total assets | 78.3091% | 710 |
| Net loans and leases to deposits | 97.0342% | 603 |
| Net loans and leases to core deposits | 100.2053% | 1,061 |
| Total domestic deposits to total assets | 80.3259% | 5,532 |
| Equity capital to assets | 12.8087% | 1,418 |
| Core capital (leverage) ratio | 8.9908% | 5,003 |
| Tier 1 risk-based capital ratio | 9.6479% | 6,704 |
| Total risk-based capital ratio | 12.6163% | 6,135 |
| Memoranda: | ||
| Average total assets | $82,116,994,000 | 26 |
| Average earning assets | $71,613,898,670 | 28 |
| Average equity | $10,403,685,330 | 26 |
| Average total loans | $65,589,276,670 | 17 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 3,898 |
| Cost of funding earning assets | 0.2800% | 6,108 |
| Net interest margin | 3.7765% | 2,534 |
| Noninterest income to average assets | 1.8085% | 500 |
| Noninterest expense to average assets | 2.7691% | 3,802 |
| Loan and lease loss provision to assets | 0.1852% | 1,993 |
| Net operating income to assets | 1.4100% | 1,007 |
| Return on assets (ROA) | 1.3801% | 1,160 |
| Pretax return on assets | 2.0958% | 496 |
| Return on Equity (ROE) | 10.9538% | 1,727 |
| Retained earnings to average equity (ytd only) | 3.2092% | 4,328 |
| Net charge-offs to loans | 0.2227% | 2,097 |
| Credit loss provision to net charge-offs | 103.7821% | 1,777 |
| Earnings coverage of net charge-offs (x) | 13.0395% | 1,555 |
| Efficiency ratio | 53.2972% | 6,276 |
| Assets per employee ($millions) | 5.8525% | 1,370 |
| Cash dividends to net income (ytd only)* | 70.7021% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 4,179 |
| Loan loss allowance to noncurrent loans | 51.8265% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 2.5707% | 1,783 |
| Noncurrent loans to loans | 2.7216% | 1,879 |
| Net loans and leases to total assets | 78.6841% | 542 |
| Net loans and leases to deposits | 97.6756% | 462 |
| Net loans and leases to core deposits | 100.6359% | 913 |
| Total domestic deposits to total assets | 80.2030% | 5,711 |
| Equity capital to assets | 12.6905% | 1,596 |
| Core capital (leverage) ratio | 8.9164% | 5,032 |
| Tier 1 risk-based capital ratio | 9.1740% | 6,794 |
| Total risk-based capital ratio | 12.1236% | 6,427 |
| Memoranda: | ||
| Average total assets | $81,987,367,500 | 26 |
| Average earning assets | $71,360,159,500 | 28 |
| Average equity | $10,329,862,500 | 26 |
| Average total loans | $65,668,879,500 | 17 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 4,421 |
| Cost of funding earning assets | 0.3470% | 6,235 |
| Net interest margin | 3.8979% | 2,836 |
| Noninterest income to average assets | 1.8096% | 508 |
| Noninterest expense to average assets | 2.8177% | 3,958 |
| Loan and lease loss provision to assets | 0.2559% | 2,607 |
| Net operating income to assets | 1.3915% | 1,113 |
| Return on assets (ROA) | 1.3603% | 1,303 |
| Pretax return on assets | 2.0580% | 537 |
| Return on Equity (ROE) | 10.8479% | 1,855 |
| Retained earnings to average equity (ytd only) | 3.8207% | 3,515 |
| Net charge-offs to loans | 0.2974% | 3,161 |
| Credit loss provision to net charge-offs | 109.7065% | 2,669 |
| Earnings coverage of net charge-offs (x) | 10.1235% | 2,177 |
| Efficiency ratio | 53.1863% | 6,359 |
| Assets per employee ($millions) | 5.9397% | 1,328 |
| Cash dividends to net income (ytd only)* | 64.7796% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 4,193 |
| Loan loss allowance to noncurrent loans | 51.6042% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 2.5542% | 1,905 |
| Noncurrent loans to loans | 2.7033% | 1,955 |
| Net loans and leases to total assets | 79.2608% | 541 |
| Net loans and leases to deposits | 97.9889% | 508 |
| Net loans and leases to core deposits | 102.5169% | 861 |
| Total domestic deposits to total assets | 79.5883% | 5,760 |
| Equity capital to assets | 12.5084% | 1,708 |
| Core capital (leverage) ratio | 8.8356% | 5,121 |
| Tier 1 risk-based capital ratio | 8.9220% | 6,858 |
| Total risk-based capital ratio | 11.8410% | 6,490 |
| Memoranda: | ||
| Average total assets | $79,435,867,600 | 26 |
| Average earning assets | $68,660,978,200 | 29 |
| Average equity | $9,961,258,800 | 26 |
| Average total loans | $62,298,674,200 | 18 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 4,601 |
| Cost of funding earning assets | 0.3619% | 6,321 |
| Net interest margin | 3.8995% | 2,914 |
| Noninterest income to average assets | 1.7601% | 507 |
| Noninterest expense to average assets | 2.8463% | 3,815 |
| Loan and lease loss provision to assets | 0.2614% | 2,483 |
| Net operating income to assets | 1.3348% | 1,364 |
| Return on assets (ROA) | 1.3065% | 1,568 |
| Pretax return on assets | 1.9790% | 733 |
| Return on Equity (ROE) | 10.4118% | 2,172 |
| Retained earnings to average equity (ytd only) | 2.9931% | 4,757 |
| Net charge-offs to loans | 0.3070% | 2,909 |
| Credit loss provision to net charge-offs | 109.2809% | 2,688 |
| Earnings coverage of net charge-offs (x) | 9.5447% | 2,313 |
| Efficiency ratio | 54.2075% | 6,230 |
| Assets per employee ($millions) | 5.7799% | 1,390 |
| Cash dividends to net income (ytd only)* | 71.2526% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 4,190 |
| Loan loss allowance to noncurrent loans | 53.5932% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.5353% | 2,083 |
| Noncurrent loans to loans | 2.6898% | 2,108 |
| Net loans and leases to total assets | 78.1129% | 719 |
| Net loans and leases to deposits | 96.7831% | 608 |
| Net loans and leases to core deposits | 102.2100% | 970 |
| Total domestic deposits to total assets | 78.9415% | 5,880 |
| Equity capital to assets | 12.6178% | 1,811 |
| Core capital (leverage) ratio | 8.7029% | 5,471 |
| Tier 1 risk-based capital ratio | 9.0072% | 6,937 |
| Total risk-based capital ratio | 12.0911% | 6,527 |
| Memoranda: | ||
| Average total assets | $78,773,329,250 | 27 |
| Average earning assets | $68,066,665,000 | 29 |
| Average equity | $9,884,671,750 | 26 |
| Average total loans | $61,377,711,000 | 18 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2505% | 4,761 |
| Cost of funding earning assets | 0.3763% | 6,397 |
| Net interest margin | 3.8742% | 3,018 |
| Noninterest income to average assets | 1.6889% | 528 |
| Noninterest expense to average assets | 2.9000% | 3,618 |
| Loan and lease loss provision to assets | 0.2773% | 2,370 |
| Net operating income to assets | 1.2306% | 1,609 |
| Return on assets (ROA) | 1.1975% | 1,926 |
| Pretax return on assets | 1.8070% | 1,028 |
| Return on Equity (ROE) | 9.5610% | 2,550 |
| Retained earnings to average equity (ytd only) | 1.4053% | 5,492 |
| Net charge-offs to loans | 0.3287% | 2,715 |
| Credit loss provision to net charge-offs | 108.9060% | 2,502 |
| Earnings coverage of net charge-offs (x) | 8.3820% | 2,303 |
| Efficiency ratio | 56.2276% | 6,087 |
| Assets per employee ($millions) | 5.6613% | 1,470 |
| Cash dividends to net income (ytd only)* | 85.3022% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 4,184 |
| Loan loss allowance to noncurrent loans | 52.5597% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 2.4635% | 2,266 |
| Noncurrent loans to loans | 2.7856% | 2,152 |
| Net loans and leases to total assets | 76.8160% | 863 |
| Net loans and leases to deposits | 96.8054% | 581 |
| Net loans and leases to core deposits | 100.8055% | 1,049 |
| Total domestic deposits to total assets | 78.8760% | 5,982 |
| Equity capital to assets | 12.4023% | 1,875 |
| Core capital (leverage) ratio | 8.5029% | 5,648 |
| Tier 1 risk-based capital ratio | 8.8635% | 6,992 |
| Total risk-based capital ratio | 11.9689% | 6,594 |
| Memoranda: | ||
| Average total assets | $78,318,384,330 | 27 |
| Average earning assets | $67,631,243,670 | 28 |
| Average equity | $9,808,995,330 | 27 |
| Average total loans | $60,665,664,330 | 18 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2298% | 4,997 |
| Cost of funding earning assets | 0.3883% | 6,467 |
| Net interest margin | 3.8415% | 3,178 |
| Noninterest income to average assets | 1.6589% | 535 |
| Noninterest expense to average assets | 2.9742% | 3,363 |
| Loan and lease loss provision to assets | 0.2517% | 2,437 |
| Net operating income to assets | 1.1620% | 1,850 |
| Return on assets (ROA) | 1.1311% | 2,134 |
| Pretax return on assets | 1.6979% | 1,308 |
| Return on Equity (ROE) | 8.9860% | 2,843 |
| Retained earnings to average equity (ytd only) | 0.7910% | 5,742 |
| Net charge-offs to loans | 0.3210% | 2,365 |
| Credit loss provision to net charge-offs | 101.5524% | 2,264 |
| Earnings coverage of net charge-offs (x) | 8.0522% | 2,007 |
| Efficiency ratio | 58.4053% | 5,861 |
| Assets per employee ($millions) | 5.4594% | 1,732 |
| Cash dividends to net income (ytd only)* | 91.1972% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 4,162 |
| Loan loss allowance to noncurrent loans | 48.8732% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 2.6945% | 2,187 |
| Noncurrent loans to loans | 3.0649% | 2,098 |
| Net loans and leases to total assets | 75.9315% | 805 |
| Net loans and leases to deposits | 96.0837% | 530 |
| Net loans and leases to core deposits | 100.7752% | 941 |
| Total domestic deposits to total assets | 78.5031% | 6,188 |
| Equity capital to assets | 12.5208% | 1,710 |
| Core capital (leverage) ratio | 8.6500% | 5,380 |
| Tier 1 risk-based capital ratio | 8.9070% | 7,040 |
| Total risk-based capital ratio | 12.1515% | 6,567 |
| Memoranda: | ||
| Average total assets | $77,554,419,500 | 27 |
| Average earning assets | $66,845,093,500 | 27 |
| Average equity | $9,762,103,500 | 27 |
| Average total loans | $59,875,452,500 | 18 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4199% | 5,346 |
| Cost of funding earning assets | 0.4686% | 6,659 |
| Net interest margin | 3.9513% | 3,098 |
| Noninterest income to average assets | 1.7831% | 450 |
| Noninterest expense to average assets | 3.0695% | 3,313 |
| Loan and lease loss provision to assets | 0.3671% | 2,792 |
| Net operating income to assets | 1.2041% | 1,503 |
| Return on assets (ROA) | 1.2980% | 1,356 |
| Pretax return on assets | 1.8701% | 708 |
| Return on Equity (ROE) | 10.1232% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.1232% | 535 |
| Net charge-offs to loans | 0.4713% | 3,102 |
| Credit loss provision to net charge-offs | 102.1086% | 3,394 |
| Earnings coverage of net charge-offs (x) | 5.8440% | 2,666 |
| Efficiency ratio | 57.9203% | 6,067 |
| Assets per employee ($millions) | 5.2993% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 3,942 |
| Loan loss allowance to noncurrent loans | 46.3186% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 2.8891% | 2,090 |
| Noncurrent loans to loans | 3.2772% | 1,976 |
| Net loans and leases to total assets | 76.1510% | 929 |
| Net loans and leases to deposits | 97.4796% | 587 |
| Net loans and leases to core deposits | 102.5301% | 991 |
| Total domestic deposits to total assets | 77.6394% | 6,250 |
| Equity capital to assets | 12.6552% | 1,693 |
| Core capital (leverage) ratio | 8.5436% | 5,489 |
| Tier 1 risk-based capital ratio | 8.8737% | 7,047 |
| Total risk-based capital ratio | 12.1267% | 6,499 |
| Memoranda: | ||
| Average total assets | $72,822,470,600 | 26 |
| Average earning assets | $62,432,605,200 | 27 |
| Average equity | $9,337,190,600 | 26 |
| Average total loans | $55,550,444,800 | 19 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4453% | 5,445 |
| Cost of funding earning assets | 0.4840% | 6,767 |
| Net interest margin | 3.9613% | 3,098 |
| Noninterest income to average assets | 1.8392% | 431 |
| Noninterest expense to average assets | 3.0366% | 3,416 |
| Loan and lease loss provision to assets | 0.3602% | 2,705 |
| Net operating income to assets | 1.2685% | 1,458 |
| Return on assets (ROA) | 1.4153% | 1,198 |
| Pretax return on assets | 2.0488% | 570 |
| Return on Equity (ROE) | 11.0000% | 1,861 |
| Retained earnings to average equity (ytd only) | 11.0000% | 631 |
| Net charge-offs to loans | 0.4603% | 2,894 |
| Credit loss provision to net charge-offs | 102.9691% | 3,234 |
| Earnings coverage of net charge-offs (x) | 6.2782% | 2,581 |
| Efficiency ratio | 56.6067% | 6,193 |
| Assets per employee ($millions) | 5.2856% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 3,833 |
| Loan loss allowance to noncurrent loans | 46.4691% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 2.9069% | 2,223 |
| Noncurrent loans to loans | 3.3640% | 2,053 |
| Net loans and leases to total assets | 74.0799% | 1,319 |
| Net loans and leases to deposits | 94.7406% | 777 |
| Net loans and leases to core deposits | 100.7741% | 1,181 |
| Total domestic deposits to total assets | 77.5045% | 6,297 |
| Equity capital to assets | 12.8457% | 1,689 |
| Core capital (leverage) ratio | 8.6602% | 5,475 |
| Tier 1 risk-based capital ratio | 9.0039% | 7,113 |
| Total risk-based capital ratio | 12.3048% | 6,497 |
| Memoranda: | ||
| Average total assets | $71,806,317,750 | 26 |
| Average earning assets | $61,518,318,750 | 27 |
| Average equity | $9,238,930,750 | 27 |
| Average total loans | $54,574,864,750 | 20 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 5,493 |
| Cost of funding earning assets | 0.4947% | 6,860 |
| Net interest margin | 3.9642% | 3,016 |
| Noninterest income to average assets | 1.8508% | 401 |
| Noninterest expense to average assets | 2.9158% | 3,962 |
| Loan and lease loss provision to assets | 0.3895% | 2,464 |
| Net operating income to assets | 1.3474% | 1,198 |
| Return on assets (ROA) | 1.5826% | 800 |
| Pretax return on assets | 2.2784% | 361 |
| Return on Equity (ROE) | 12.2929% | 1,411 |
| Retained earnings to average equity (ytd only) | 12.2929% | 484 |
| Net charge-offs to loans | 0.4936% | 2,622 |
| Credit loss provision to net charge-offs | 103.4616% | 2,985 |
| Earnings coverage of net charge-offs (x) | 6.1814% | 2,448 |
| Efficiency ratio | 54.2609% | 6,598 |
| Assets per employee ($millions) | 5.4070% | 1,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 3,871 |
| Loan loss allowance to noncurrent loans | 53.3464% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 2.4948% | 2,673 |
| Noncurrent loans to loans | 2.9207% | 2,500 |
| Net loans and leases to total assets | 74.4914% | 1,327 |
| Net loans and leases to deposits | 95.6316% | 756 |
| Net loans and leases to core deposits | 102.8658% | 1,124 |
| Total domestic deposits to total assets | 77.1578% | 6,429 |
| Equity capital to assets | 12.0763% | 2,044 |
| Core capital (leverage) ratio | 8.3545% | 5,778 |
| Tier 1 risk-based capital ratio | 8.1211% | 7,239 |
| Total risk-based capital ratio | 11.4104% | 6,918 |
| Memoranda: | ||
| Average total assets | $70,168,462,670 | 28 |
| Average earning assets | $60,041,690,000 | 29 |
| Average equity | $9,033,500,330 | 28 |
| Average total loans | $53,520,971,330 | 21 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 4,891 |
| Cost of funding earning assets | 0.5144% | 6,921 |
| Net interest margin | 4.0982% | 2,276 |
| Noninterest income to average assets | 1.6583% | 495 |
| Noninterest expense to average assets | 2.8781% | 4,154 |
| Loan and lease loss provision to assets | 0.4423% | 1,993 |
| Net operating income to assets | 1.2189% | 1,479 |
| Return on assets (ROA) | 1.3147% | 1,281 |
| Pretax return on assets | 1.9780% | 578 |
| Return on Equity (ROE) | 9.8635% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.8635% | 1,147 |
| Net charge-offs to loans | 0.5718% | 2,057 |
| Credit loss provision to net charge-offs | 100.9427% | 2,616 |
| Earnings coverage of net charge-offs (x) | 5.1928% | 2,317 |
| Efficiency ratio | 54.4243% | 6,656 |
| Assets per employee ($millions) | 5.2757% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7456% | 3,194 |
| Loan loss allowance to noncurrent loans | 61.1489% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 2.5425% | 2,687 |
| Noncurrent loans to loans | 2.8546% | 2,640 |
| Net loans and leases to total assets | 75.4287% | 1,122 |
| Net loans and leases to deposits | 99.6663% | 485 |
| Net loans and leases to core deposits | 106.4854% | 917 |
| Total domestic deposits to total assets | 74.0787% | 6,889 |
| Equity capital to assets | 13.4056% | 1,218 |
| Core capital (leverage) ratio | 8.6770% | 5,128 |
| Tier 1 risk-based capital ratio | 8.8112% | 7,236 |
| Total risk-based capital ratio | 12.4605% | 6,311 |
| Memoranda: | ||
| Average total assets | $67,020,090,000 | 29 |
| Average earning assets | $57,153,165,000 | 29 |
| Average equity | $8,933,171,500 | 29 |
| Average total loans | $51,350,690,000 | 22 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 5,870 |
| Cost of funding earning assets | 0.6239% | 7,072 |
| Net interest margin | 4.0543% | 2,783 |
| Noninterest income to average assets | 1.7003% | 511 |
| Noninterest expense to average assets | 2.7257% | 4,874 |
| Loan and lease loss provision to assets | 0.5379% | 2,998 |
| Net operating income to assets | 1.2696% | 1,250 |
| Return on assets (ROA) | 1.2108% | 1,463 |
| Pretax return on assets | 1.8108% | 740 |
| Return on Equity (ROE) | 9.3887% | 2,147 |
| Retained earnings to average equity (ytd only) | 9.3887% | 622 |
| Net charge-offs to loans | 0.6735% | 2,988 |
| Credit loss provision to net charge-offs | 106.1507% | 4,213 |
| Earnings coverage of net charge-offs (x) | 4.8081% | 2,796 |
| Efficiency ratio | 51.1305% | 7,051 |
| Assets per employee ($millions) | 5.2452% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 3,033 |
| Loan loss allowance to noncurrent loans | 59.7938% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 2.5823% | 2,699 |
| Noncurrent loans to loans | 2.9254% | 2,606 |
| Net loans and leases to total assets | 75.1334% | 1,449 |
| Net loans and leases to deposits | 101.1034% | 522 |
| Net loans and leases to core deposits | 109.5427% | 946 |
| Total domestic deposits to total assets | 71.9120% | 7,089 |
| Equity capital to assets | 13.2526% | 1,277 |
| Core capital (leverage) ratio | 8.4649% | 5,424 |
| Tier 1 risk-based capital ratio | 8.6195% | 7,295 |
| Total risk-based capital ratio | 12.2553% | 6,296 |
| Memoranda: | ||
| Average total assets | $67,376,201,400 | 26 |
| Average earning assets | $57,531,386,000 | 30 |
| Average equity | $8,689,121,200 | 28 |
| Average total loans | $50,694,182,000 | 20 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 6,110 |
| Cost of funding earning assets | 0.6389% | 7,204 |
| Net interest margin | 4.0345% | 2,935 |
| Noninterest income to average assets | 1.6602% | 508 |
| Noninterest expense to average assets | 2.7315% | 4,750 |
| Loan and lease loss provision to assets | 0.5507% | 2,742 |
| Net operating income to assets | 1.2218% | 1,533 |
| Return on assets (ROA) | 1.1721% | 1,764 |
| Pretax return on assets | 1.7464% | 1,019 |
| Return on Equity (ROE) | 9.1517% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.1517% | 1,008 |
| Net charge-offs to loans | 0.7001% | 2,665 |
| Credit loss provision to net charge-offs | 104.9763% | 4,081 |
| Earnings coverage of net charge-offs (x) | 4.5201% | 3,020 |
| Efficiency ratio | 51.7935% | 7,000 |
| Assets per employee ($millions) | 5.2462% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7763% | 2,867 |
| Loan loss allowance to noncurrent loans | 68.1117% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 2.2427% | 3,145 |
| Noncurrent loans to loans | 2.6079% | 3,017 |
| Net loans and leases to total assets | 73.1054% | 1,997 |
| Net loans and leases to deposits | 101.1713% | 575 |
| Net loans and leases to core deposits | 108.2047% | 1,147 |
| Total domestic deposits to total assets | 71.2867% | 7,199 |
| Equity capital to assets | 13.1136% | 1,521 |
| Core capital (leverage) ratio | 8.3977% | 5,702 |
| Tier 1 risk-based capital ratio | 8.6991% | 7,416 |
| Total risk-based capital ratio | 12.3973% | 6,234 |
| Memoranda: | ||
| Average total assets | $67,456,618,000 | 25 |
| Average earning assets | $57,558,721,750 | 28 |
| Average equity | $8,639,779,500 | 27 |
| Average total loans | $50,548,394,500 | 19 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 6,301 |
| Cost of funding earning assets | 0.6436% | 7,312 |
| Net interest margin | 4.0099% | 2,965 |
| Noninterest income to average assets | 1.6495% | 471 |
| Noninterest expense to average assets | 2.7394% | 4,742 |
| Loan and lease loss provision to assets | 0.5569% | 2,541 |
| Net operating income to assets | 1.1963% | 1,570 |
| Return on assets (ROA) | 1.1390% | 1,793 |
| Pretax return on assets | 1.6903% | 1,070 |
| Return on Equity (ROE) | 8.9641% | 2,481 |
| Retained earnings to average equity (ytd only) | 8.9641% | 1,118 |
| Net charge-offs to loans | 0.6890% | 2,497 |
| Credit loss provision to net charge-offs | 107.6274% | 3,790 |
| Earnings coverage of net charge-offs (x) | 4.5080% | 2,932 |
| Efficiency ratio | 52.1813% | 7,046 |
| Assets per employee ($millions) | 5.1716% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 2,828 |
| Loan loss allowance to noncurrent loans | 69.2641% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 2.2132% | 3,245 |
| Noncurrent loans to loans | 2.5520% | 3,104 |
| Net loans and leases to total assets | 73.4859% | 2,036 |
| Net loans and leases to deposits | 104.1118% | 477 |
| Net loans and leases to core deposits | 111.5468% | 1,058 |
| Total domestic deposits to total assets | 69.7637% | 7,342 |
| Equity capital to assets | 13.0102% | 1,564 |
| Core capital (leverage) ratio | 8.1893% | 5,956 |
| Tier 1 risk-based capital ratio | 8.4939% | 7,486 |
| Total risk-based capital ratio | 12.1725% | 6,305 |
| Memoranda: | ||
| Average total assets | $67,523,402,330 | 26 |
| Average earning assets | $57,634,770,000 | 28 |
| Average equity | $8,579,796,330 | 27 |
| Average total loans | $50,712,154,330 | 19 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6129% | 6,524 |
| Cost of funding earning assets | 0.6487% | 7,441 |
| Net interest margin | 3.9642% | 3,030 |
| Noninterest income to average assets | 1.6096% | 479 |
| Noninterest expense to average assets | 2.7767% | 4,580 |
| Loan and lease loss provision to assets | 0.6131% | 2,075 |
| Net operating income to assets | 1.0907% | 1,858 |
| Return on assets (ROA) | 1.0115% | 2,206 |
| Pretax return on assets | 1.4873% | 1,545 |
| Return on Equity (ROE) | 8.0566% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.0566% | 1,684 |
| Net charge-offs to loans | 0.7366% | 2,033 |
| Credit loss provision to net charge-offs | 110.6110% | 3,120 |
| Earnings coverage of net charge-offs (x) | 3.9995% | 2,730 |
| Efficiency ratio | 53.6565% | 7,004 |
| Assets per employee ($millions) | 5.1074% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7482% | 2,900 |
| Loan loss allowance to noncurrent loans | 57.6208% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 2.4355% | 2,981 |
| Noncurrent loans to loans | 3.0340% | 2,643 |
| Net loans and leases to total assets | 73.8068% | 2,011 |
| Net loans and leases to deposits | 105.0476% | 475 |
| Net loans and leases to core deposits | 112.1226% | 1,155 |
| Total domestic deposits to total assets | 69.0895% | 7,467 |
| Equity capital to assets | 12.7130% | 1,647 |
| Core capital (leverage) ratio | 7.9236% | 6,351 |
| Tier 1 risk-based capital ratio | 8.2351% | 7,590 |
| Total risk-based capital ratio | 12.0262% | 6,351 |
| Memoranda: | ||
| Average total assets | $67,659,652,000 | 26 |
| Average earning assets | $57,754,667,000 | 28 |
| Average equity | $8,494,941,500 | 27 |
| Average total loans | $50,913,612,500 | 20 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7201% | 7,106 |
| Cost of funding earning assets | 0.9744% | 7,252 |
| Net interest margin | 3.7458% | 3,926 |
| Noninterest income to average assets | 1.7047% | 498 |
| Noninterest expense to average assets | 2.8552% | 4,722 |
| Loan and lease loss provision to assets | 0.8994% | 2,504 |
| Net operating income to assets | 0.8125% | 2,482 |
| Return on assets (ROA) | 0.6954% | 3,026 |
| Pretax return on assets | 0.9801% | 2,658 |
| Return on Equity (ROE) | 5.9969% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.9969% | 1,343 |
| Net charge-offs to loans | 1.0176% | 2,376 |
| Credit loss provision to net charge-offs | 117.1017% | 4,631 |
| Earnings coverage of net charge-offs (x) | 2.6619% | 3,783 |
| Efficiency ratio | 56.3019% | 6,974 |
| Assets per employee ($millions) | 4.9817% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7071% | 2,876 |
| Loan loss allowance to noncurrent loans | 56.9281% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 2.4127% | 2,882 |
| Noncurrent loans to loans | 2.9986% | 2,568 |
| Net loans and leases to total assets | 74.0916% | 2,256 |
| Net loans and leases to deposits | 106.3677% | 534 |
| Net loans and leases to core deposits | 112.6855% | 2,627 |
| Total domestic deposits to total assets | 68.1082% | 7,539 |
| Equity capital to assets | 12.3987% | 1,794 |
| Core capital (leverage) ratio | 7.7716% | 6,484 |
| Tier 1 risk-based capital ratio | 7.9567% | 7,661 |
| Total risk-based capital ratio | 11.7114% | 6,408 |
| Memoranda: | ||
| Average total assets | $66,543,683,000 | 26 |
| Average earning assets | $56,759,354,000 | 29 |
| Average equity | $7,716,034,200 | 28 |
| Average total loans | $50,224,069,000 | 21 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 7,259 |
| Cost of funding earning assets | 1.0550% | 7,276 |
| Net interest margin | 3.6596% | 4,235 |
| Noninterest income to average assets | 1.6936% | 514 |
| Noninterest expense to average assets | 2.8981% | 4,462 |
| Loan and lease loss provision to assets | 0.9162% | 2,091 |
| Net operating income to assets | 0.7310% | 3,092 |
| Return on assets (ROA) | 0.6174% | 3,592 |
| Pretax return on assets | 0.8458% | 3,398 |
| Return on Equity (ROE) | 5.4211% | 3,778 |
| Retained earnings to average equity (ytd only) | 5.4211% | 2,244 |
| Net charge-offs to loans | 1.0052% | 1,959 |
| Credit loss provision to net charge-offs | 120.7166% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.5266% | 3,960 |
| Efficiency ratio | 58.1925% | 6,693 |
| Assets per employee ($millions) | 4.8775% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6806% | 2,694 |
| Loan loss allowance to noncurrent loans | 61.4318% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.2321% | 3,055 |
| Noncurrent loans to loans | 2.7357% | 2,772 |
| Net loans and leases to total assets | 74.5336% | 2,368 |
| Net loans and leases to deposits | 108.4006% | 533 |
| Net loans and leases to core deposits | 116.7037% | 2,552 |
| Total domestic deposits to total assets | 66.8138% | 7,645 |
| Equity capital to assets | 12.0426% | 2,220 |
| Core capital (leverage) ratio | 7.4563% | 7,026 |
| Tier 1 risk-based capital ratio | 7.6205% | 7,841 |
| Total risk-based capital ratio | 11.4035% | 6,769 |
| Memoranda: | ||
| Average total assets | $66,214,522,000 | 27 |
| Average earning assets | $56,489,783,000 | 31 |
| Average equity | $7,541,588,000 | 29 |
| Average total loans | $49,992,082,500 | 23 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6678% | 7,426 |
| Cost of funding earning assets | 1.1519% | 7,238 |
| Net interest margin | 3.5159% | 4,727 |
| Noninterest income to average assets | 1.6071% | 582 |
| Noninterest expense to average assets | 2.9291% | 4,386 |
| Loan and lease loss provision to assets | 0.9211% | 1,831 |
| Net operating income to assets | 0.5627% | 3,836 |
| Return on assets (ROA) | 0.4611% | 4,364 |
| Pretax return on assets | 0.6208% | 4,269 |
| Return on Equity (ROE) | 4.1295% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.1295% | 2,991 |
| Net charge-offs to loans | 0.9537% | 1,823 |
| Credit loss provision to net charge-offs | 128.0938% | 3,631 |
| Earnings coverage of net charge-offs (x) | 2.3354% | 3,897 |
| Efficiency ratio | 61.5387% | 6,309 |
| Assets per employee ($millions) | 4.8460% | 2,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6418% | 2,559 |
| Loan loss allowance to noncurrent loans | 67.4757% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 1.9948% | 3,203 |
| Noncurrent loans to loans | 2.4332% | 2,967 |
| Net loans and leases to total assets | 74.3429% | 2,610 |
| Net loans and leases to deposits | 109.6502% | 568 |
| Net loans and leases to core deposits | 118.1793% | 2,535 |
| Total domestic deposits to total assets | 66.2200% | 7,727 |
| Equity capital to assets | 11.4375% | 2,578 |
| Core capital (leverage) ratio | 7.3623% | 7,177 |
| Tier 1 risk-based capital ratio | 7.1901% | 7,992 |
| Total risk-based capital ratio | 10.9365% | 7,184 |
| Memoranda: | ||
| Average total assets | $65,683,496,000 | 29 |
| Average earning assets | $56,071,581,670 | 32 |
| Average equity | $7,333,507,000 | 28 |
| Average total loans | $49,521,660,000 | 22 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7027% | 7,509 |
| Cost of funding earning assets | 1.2937% | 7,029 |
| Net interest margin | 3.4090% | 5,106 |
| Noninterest income to average assets | 1.6215% | 521 |
| Noninterest expense to average assets | 2.6535% | 5,207 |
| Loan and lease loss provision to assets | 0.9783% | 1,327 |
| Net operating income to assets | 0.6578% | 3,764 |
| Return on assets (ROA) | 0.5276% | 4,490 |
| Pretax return on assets | 0.7195% | 4,362 |
| Return on Equity (ROE) | 4.7883% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.7883% | 3,243 |
| Net charge-offs to loans | 0.8192% | 1,580 |
| Credit loss provision to net charge-offs | 158.6035% | 2,666 |
| Earnings coverage of net charge-offs (x) | 3.0414% | 3,295 |
| Efficiency ratio | 56.4679% | 6,904 |
| Assets per employee ($millions) | 4.9171% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7547% | 1,970 |
| Loan loss allowance to noncurrent loans | 73.7334% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.9687% | 2,952 |
| Noncurrent loans to loans | 2.3798% | 2,764 |
| Net loans and leases to total assets | 74.3322% | 2,669 |
| Net loans and leases to deposits | 111.4637% | 547 |
| Net loans and leases to core deposits | 124.7578% | 2,014 |
| Total domestic deposits to total assets | 63.2744% | 7,873 |
| Equity capital to assets | 11.3108% | 2,713 |
| Core capital (leverage) ratio | 7.1949% | 7,482 |
| Tier 1 risk-based capital ratio | 7.5179% | 8,062 |
| Total risk-based capital ratio | 11.5515% | 6,524 |
| Memoranda: | ||
| Average total assets | $64,191,323,500 | 32 |
| Average earning assets | $54,759,104,500 | 34 |
| Average equity | $7,073,302,500 | 29 |
| Average total loans | $48,331,582,500 | 25 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8309% | 6,331 |
| Cost of funding earning assets | 2.2078% | 5,561 |
| Net interest margin | 3.6231% | 4,771 |
| Noninterest income to average assets | 1.6017% | 541 |
| Noninterest expense to average assets | 2.5038% | 5,984 |
| Loan and lease loss provision to assets | 0.6325% | 2,295 |
| Net operating income to assets | 1.1595% | 1,910 |
| Return on assets (ROA) | 0.9919% | 2,471 |
| Pretax return on assets | 1.3533% | 2,116 |
| Return on Equity (ROE) | 9.2049% | 2,567 |
| Retained earnings to average equity (ytd only) | 9.2049% | 571 |
| Net charge-offs to loans | 0.7852% | 1,587 |
| Credit loss provision to net charge-offs | 107.3326% | 4,999 |
| Earnings coverage of net charge-offs (x) | 3.7594% | 4,229 |
| Efficiency ratio | 50.8721% | 7,597 |
| Assets per employee ($millions) | 5.0081% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 2,168 |
| Loan loss allowance to noncurrent loans | 86.1262% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.5644% | 3,108 |
| Noncurrent loans to loans | 1.8783% | 2,942 |
| Net loans and leases to total assets | 73.7212% | 3,179 |
| Net loans and leases to deposits | 112.6941% | 673 |
| Net loans and leases to core deposits | 135.4823% | 1,513 |
| Total domestic deposits to total assets | 59.1725% | 7,989 |
| Equity capital to assets | 10.7331% | 3,268 |
| Core capital (leverage) ratio | 6.9594% | 7,723 |
| Tier 1 risk-based capital ratio | 7.3236% | 8,147 |
| Total risk-based capital ratio | 11.3527% | 6,490 |
| Memoranda: | ||
| Average total assets | $64,693,923,800 | 30 |
| Average earning assets | $55,667,724,800 | 30 |
| Average equity | $6,971,065,200 | 28 |
| Average total loans | $48,552,530,200 | 23 |