Home > MidFirst Bank > Performance and Condition Ratios
MidFirst Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 2,178 |
| Cost of funding earning assets | 2.8000% | 706 |
| Net interest margin | 2.6779% | 3,647 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 1.7026% | 4,084 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 1.0685% | 1,850 |
| Return on assets (ROA) | 1.0757% | 1,831 |
| Pretax return on assets | 1.1043% | 2,227 |
| Return on Equity (ROE) | 10.9200% | 1,907 |
| Retained earnings to average equity (ytd only) | 4.7810% | 2,322 |
| Net charge-offs to loans | 0.0058% | 2,716 |
| Credit loss provision to net charge-offs | 1,272.4195% | 335 |
| Earnings coverage of net charge-offs (x) | 249.5383% | 434 |
| Efficiency ratio | 58.8185% | 3,292 |
| Assets per employee ($millions) | 12.3419% | 393 |
| Cash dividends to net income (ytd only)* | 56.2268% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6744% | 4,092 |
| Loan loss allowance to noncurrent loans | 5.5491% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 10.0345% | 4 |
| Noncurrent loans to loans | 12.1541% | 11 |
| Net loans and leases to total assets | 81.7500% | 468 |
| Net loans and leases to deposits | 128.7701% | 50 |
| Net loans and leases to core deposits | 151.7387% | 159 |
| Total domestic deposits to total assets | 63.4900% | 4,304 |
| Equity capital to assets | 9.8478% | 2,223 |
| Core capital (leverage) ratio | 8.7784% | 3,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9445% | 771 |
| Memoranda: | ||
| Average total assets | $37,928,439,600 | 59 |
| Average earning assets | $35,839,533,600 | 56 |
| Average equity | $3,735,297,000 | 61 |
| Average total loans | $31,131,541,600 | 49 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4335% | 2,211 |
| Cost of funding earning assets | 2.7830% | 730 |
| Net interest margin | 2.6505% | 3,680 |
| Noninterest income to average assets | 0.3600% | 2,665 |
| Noninterest expense to average assets | 1.7430% | 4,018 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 1.0038% | 2,043 |
| Return on assets (ROA) | 1.0077% | 2,026 |
| Pretax return on assets | 1.0380% | 2,418 |
| Return on Equity (ROE) | 10.2300% | 2,124 |
| Retained earnings to average equity (ytd only) | 3.0260% | 3,168 |
| Net charge-offs to loans | 0.0045% | 2,535 |
| Credit loss provision to net charge-offs | 1,765.0194% | 268 |
| Earnings coverage of net charge-offs (x) | 307.1647% | 374 |
| Efficiency ratio | 60.7038% | 3,086 |
| Assets per employee ($millions) | 12.5508% | 378 |
| Cash dividends to net income (ytd only)* | 70.4252% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6708% | 4,130 |
| Loan loss allowance to noncurrent loans | 6.7117% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 8.1683% | 9 |
| Noncurrent loans to loans | 9.9948% | 23 |
| Net loans and leases to total assets | 80.8100% | 536 |
| Net loans and leases to deposits | 130.2608% | 41 |
| Net loans and leases to core deposits | 155.1197% | 143 |
| Total domestic deposits to total assets | 62.0400% | 4,343 |
| Equity capital to assets | 9.0313% | 3,013 |
| Core capital (leverage) ratio | 8.7722% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9693% | 800 |
| Memoranda: | ||
| Average total assets | $37,638,815,000 | 62 |
| Average earning assets | $35,571,337,750 | 59 |
| Average equity | $3,706,815,500 | 64 |
| Average total loans | $30,871,614,000 | 52 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3794% | 2,186 |
| Cost of funding earning assets | 2.7105% | 754 |
| Net interest margin | 2.6689% | 3,642 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 1.7647% | 3,987 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.9700% | 2,091 |
| Return on assets (ROA) | 0.9728% | 2,077 |
| Pretax return on assets | 1.0003% | 2,492 |
| Return on Equity (ROE) | 9.6000% | 2,294 |
| Retained earnings to average equity (ytd only) | 1.8812% | 3,386 |
| Net charge-offs to loans | 0.0063% | 2,193 |
| Credit loss provision to net charge-offs | 1,245.1512% | 342 |
| Earnings coverage of net charge-offs (x) | 211.1053% | 475 |
| Efficiency ratio | 61.7141% | 3,032 |
| Assets per employee ($millions) | 12.0108% | 412 |
| Cash dividends to net income (ytd only)* | 80.4014% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6678% | 4,154 |
| Loan loss allowance to noncurrent loans | 7.2731% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 7.5342% | 12 |
| Noncurrent loans to loans | 9.1814% | 19 |
| Net loans and leases to total assets | 81.1100% | 566 |
| Net loans and leases to deposits | 133.7162% | 47 |
| Net loans and leases to core deposits | 157.6188% | 147 |
| Total domestic deposits to total assets | 60.6600% | 4,363 |
| Equity capital to assets | 10.0112% | 2,068 |
| Core capital (leverage) ratio | 8.9042% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7835% | 809 |
| Memoranda: | ||
| Average total assets | $37,174,110,667 | 61 |
| Average earning assets | $35,112,296,667 | 58 |
| Average equity | $3,767,356,000 | 59 |
| Average total loans | $30,576,537,000 | 51 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 2,080 |
| Cost of funding earning assets | 2.6271% | 809 |
| Net interest margin | 2.7343% | 3,496 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 1.8126% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9482% | 2,095 |
| Return on assets (ROA) | 0.9562% | 2,078 |
| Pretax return on assets | 0.9934% | 2,394 |
| Return on Equity (ROE) | 9.3800% | 2,289 |
| Retained earnings to average equity (ytd only) | 3.4777% | 2,857 |
| Net charge-offs to loans | 0.0021% | 2,113 |
| Credit loss provision to net charge-offs | 1,975.3086% | 212 |
| Earnings coverage of net charge-offs (x) | 560.6296% | 177 |
| Efficiency ratio | 64.6132% | 2,739 |
| Assets per employee ($millions) | 11.6057% | 474 |
| Cash dividends to net income (ytd only)* | 62.9104% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 4,177 |
| Loan loss allowance to noncurrent loans | 6.4112% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 8.4335% | 14 |
| Noncurrent loans to loans | 10.1571% | 10 |
| Net loans and leases to total assets | 82.1400% | 406 |
| Net loans and leases to deposits | 124.3912% | 57 |
| Net loans and leases to core deposits | 144.6937% | 236 |
| Total domestic deposits to total assets | 66.0300% | 4,372 |
| Equity capital to assets | 10.3911% | 1,781 |
| Core capital (leverage) ratio | 8.9950% | 3,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0407% | 786 |
| Memoranda: | ||
| Average total assets | $36,796,077,500 | 62 |
| Average earning assets | $34,741,144,500 | 58 |
| Average equity | $3,752,401,500 | 58 |
| Average total loans | $30,378,022,500 | 51 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1420% | 1,768 |
| Cost of funding earning assets | 2.3001% | 543 |
| Net interest margin | 2.8419% | 3,585 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 1.6645% | 4,175 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.3434% | 1,339 |
| Return on assets (ROA) | 1.3544% | 1,285 |
| Pretax return on assets | 1.3842% | 1,669 |
| Return on Equity (ROE) | 13.2900% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.2225% | 2,164 |
| Net charge-offs to loans | 0.0123% | 2,192 |
| Credit loss provision to net charge-offs | 358.7869% | 837 |
| Earnings coverage of net charge-offs (x) | 136.5865% | 757 |
| Efficiency ratio | 54.3981% | 3,649 |
| Assets per employee ($millions) | 11.5911% | 461 |
| Cash dividends to net income (ytd only)* | 53.1943% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6482% | 4,188 |
| Loan loss allowance to noncurrent loans | 6.7891% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 7.9044% | 11 |
| Noncurrent loans to loans | 9.5478% | 12 |
| Net loans and leases to total assets | 81.9000% | 443 |
| Net loans and leases to deposits | 129.6797% | 46 |
| Net loans and leases to core deposits | 149.9544% | 202 |
| Total domestic deposits to total assets | 63.1600% | 4,413 |
| Equity capital to assets | 10.0031% | 2,007 |
| Core capital (leverage) ratio | 8.9261% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8960% | 806 |
| Memoranda: | ||
| Average total assets | $36,338,139,400 | 61 |
| Average earning assets | $34,186,068,000 | 60 |
| Average equity | $3,702,071,800 | 56 |
| Average total loans | $30,083,710,600 | 49 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 1,662 |
| Cost of funding earning assets | 2.2110% | 488 |
| Net interest margin | 2.8717% | 3,598 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.6237% | 4,214 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.3954% | 1,329 |
| Return on assets (ROA) | 1.4057% | 1,294 |
| Pretax return on assets | 1.4301% | 1,716 |
| Return on Equity (ROE) | 13.7300% | 1,728 |
| Retained earnings to average equity (ytd only) | 5.3113% | 2,842 |
| Net charge-offs to loans | 0.0120% | 1,955 |
| Credit loss provision to net charge-offs | 341.5805% | 813 |
| Earnings coverage of net charge-offs (x) | 144.0310% | 750 |
| Efficiency ratio | 52.9668% | 3,679 |
| Assets per employee ($millions) | 11.6672% | 415 |
| Cash dividends to net income (ytd only)* | 61.3288% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6375% | 4,221 |
| Loan loss allowance to noncurrent loans | 6.6381% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 7.9614% | 11 |
| Noncurrent loans to loans | 9.6030% | 13 |
| Net loans and leases to total assets | 82.0500% | 431 |
| Net loans and leases to deposits | 136.7180% | 28 |
| Net loans and leases to core deposits | 154.6728% | 129 |
| Total domestic deposits to total assets | 60.0100% | 4,458 |
| Equity capital to assets | 10.5458% | 1,537 |
| Core capital (leverage) ratio | 8.7229% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4146% | 895 |
| Memoranda: | ||
| Average total assets | $36,259,872,500 | 64 |
| Average earning assets | $34,089,470,750 | 61 |
| Average equity | $3,711,029,250 | 56 |
| Average total loans | $30,051,184,750 | 50 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9969% | 1,571 |
| Cost of funding earning assets | 2.0941% | 415 |
| Net interest margin | 2.9027% | 3,639 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.6255% | 4,233 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.4066% | 1,312 |
| Return on assets (ROA) | 1.4114% | 1,284 |
| Pretax return on assets | 1.4502% | 1,696 |
| Return on Equity (ROE) | 13.9300% | 1,694 |
| Retained earnings to average equity (ytd only) | 4.2960% | 3,131 |
| Net charge-offs to loans | 0.0159% | 1,607 |
| Credit loss provision to net charge-offs | 168.2086% | 1,132 |
| Earnings coverage of net charge-offs (x) | 110.5315% | 886 |
| Efficiency ratio | 52.6368% | 3,730 |
| Assets per employee ($millions) | 11.7953% | 399 |
| Cash dividends to net income (ytd only)* | 69.1685% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6255% | 4,268 |
| Loan loss allowance to noncurrent loans | 5.9801% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 8.6435% | 15 |
| Noncurrent loans to loans | 10.4605% | 10 |
| Net loans and leases to total assets | 81.8300% | 446 |
| Net loans and leases to deposits | 141.1891% | 28 |
| Net loans and leases to core deposits | 159.6445% | 103 |
| Total domestic deposits to total assets | 57.9500% | 4,495 |
| Equity capital to assets | 10.2152% | 1,736 |
| Core capital (leverage) ratio | 8.4673% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9829% | 960 |
| Memoranda: | ||
| Average total assets | $36,134,860,333 | 63 |
| Average earning assets | $33,930,881,667 | 60 |
| Average equity | $3,660,228,000 | 56 |
| Average total loans | $29,984,710,333 | 50 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 1,534 |
| Cost of funding earning assets | 1.8862% | 378 |
| Net interest margin | 2.9499% | 3,696 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.6234% | 4,280 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.4335% | 1,320 |
| Return on assets (ROA) | 1.4394% | 1,284 |
| Pretax return on assets | 1.4896% | 1,693 |
| Return on Equity (ROE) | 14.2700% | 1,719 |
| Retained earnings to average equity (ytd only) | 6.2686% | 2,689 |
| Net charge-offs to loans | -0.0009% | 3,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.8197% | 3,796 |
| Assets per employee ($millions) | 12.3354% | 360 |
| Cash dividends to net income (ytd only)* | 56.0772% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 4,343 |
| Loan loss allowance to noncurrent loans | 5.1318% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 9.7819% | 3 |
| Noncurrent loans to loans | 11.8692% | 7 |
| Net loans and leases to total assets | 81.6600% | 401 |
| Net loans and leases to deposits | 151.3115% | 14 |
| Net loans and leases to core deposits | 169.2870% | 69 |
| Total domestic deposits to total assets | 53.9700% | 4,567 |
| Equity capital to assets | 9.5266% | 2,121 |
| Core capital (leverage) ratio | 8.7236% | 3,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8715% | 1,010 |
| Memoranda: | ||
| Average total assets | $35,960,884,500 | 67 |
| Average earning assets | $33,726,577,500 | 63 |
| Average equity | $3,626,951,500 | 58 |
| Average total loans | $29,956,963,500 | 52 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 1,312 |
| Cost of funding earning assets | 0.8159% | 364 |
| Net interest margin | 3.3535% | 2,412 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 1.7632% | 4,075 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 2.0715% | 259 |
| Return on assets (ROA) | 2.0699% | 253 |
| Pretax return on assets | 2.1557% | 346 |
| Return on Equity (ROE) | 20.5200% | 430 |
| Retained earnings to average equity (ytd only) | 7.7071% | 1,955 |
| Net charge-offs to loans | 0.0001% | 2,618 |
| Credit loss provision to net charge-offs | -64,814.8148% | 4,723 |
| Earnings coverage of net charge-offs (x) | 25,790.5556% | 3 |
| Efficiency ratio | 45.4579% | 4,374 |
| Assets per employee ($millions) | 11.9302% | 394 |
| Cash dividends to net income (ytd only)* | 62.4397% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5535% | 4,395 |
| Loan loss allowance to noncurrent loans | 5.0218% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 9.3500% | 3 |
| Noncurrent loans to loans | 11.0217% | 9 |
| Net loans and leases to total assets | 84.0700% | 248 |
| Net loans and leases to deposits | 145.8057% | 18 |
| Net loans and leases to core deposits | 158.5730% | 75 |
| Total domestic deposits to total assets | 57.6600% | 4,587 |
| Equity capital to assets | 10.6863% | 1,381 |
| Core capital (leverage) ratio | 8.8071% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1435% | 960 |
| Memoranda: | ||
| Average total assets | $33,088,686,400 | 72 |
| Average earning assets | $31,006,994,400 | 69 |
| Average equity | $3,337,826,400 | 68 |
| Average total loans | $27,528,226,800 | 54 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 1,339 |
| Cost of funding earning assets | 0.6050% | 424 |
| Net interest margin | 3.3584% | 2,108 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 1.7772% | 4,024 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 2.1203% | 236 |
| Return on assets (ROA) | 2.1145% | 237 |
| Pretax return on assets | 2.2047% | 319 |
| Return on Equity (ROE) | 21.3000% | 334 |
| Retained earnings to average equity (ytd only) | 4.5513% | 3,260 |
| Net charge-offs to loans | -0.0048% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.1292% | 4,418 |
| Assets per employee ($millions) | 11.5037% | 445 |
| Cash dividends to net income (ytd only)* | 78.6292% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5906% | 4,392 |
| Loan loss allowance to noncurrent loans | 5.4464% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 9.1675% | 3 |
| Noncurrent loans to loans | 10.8439% | 10 |
| Net loans and leases to total assets | 83.7300% | 267 |
| Net loans and leases to deposits | 141.8342% | 19 |
| Net loans and leases to core deposits | 149.2319% | 67 |
| Total domestic deposits to total assets | 59.0300% | 4,624 |
| Equity capital to assets | 10.6916% | 1,294 |
| Core capital (leverage) ratio | 8.8792% | 3,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0471% | 980 |
| Memoranda: | ||
| Average total assets | $32,690,595,500 | 73 |
| Average earning assets | $30,621,916,500 | 71 |
| Average equity | $3,245,751,500 | 70 |
| Average total loans | $27,080,755,250 | 54 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8610% | 1,189 |
| Cost of funding earning assets | 0.5254% | 447 |
| Net interest margin | 3.3356% | 1,804 |
| Noninterest income to average assets | 0.9709% | 715 |
| Noninterest expense to average assets | 1.8172% | 3,907 |
| Loan and lease loss provision to assets | -0.0616% | 4,540 |
| Net operating income to assets | 2.2361% | 154 |
| Return on assets (ROA) | 2.2317% | 155 |
| Pretax return on assets | 2.3325% | 211 |
| Return on Equity (ROE) | 23.0843% | 160 |
| Retained earnings to average equity (ytd only) | 5.2020% | 2,634 |
| Net charge-offs to loans | -0.0062% | 3,413 |
| Credit loss provision to net charge-offs | 1,207.7295% | 352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2726% | 4,515 |
| Assets per employee ($millions) | 11.0473% | 485 |
| Cash dividends to net income (ytd only)* | 77.4654% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6405% | 4,419 |
| Loan loss allowance to noncurrent loans | 4.9124% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 10.5356% | 3 |
| Noncurrent loans to loans | 13.0389% | 4 |
| Net loans and leases to total assets | 80.0233% | 405 |
| Net loans and leases to deposits | 127.5709% | 29 |
| Net loans and leases to core deposits | 132.8654% | 108 |
| Total domestic deposits to total assets | 62.7285% | 4,675 |
| Equity capital to assets | 10.0997% | 1,657 |
| Core capital (leverage) ratio | 8.8343% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6005% | 911 |
| Memoranda: | ||
| Average total assets | $32,478,746,333 | 72 |
| Average earning assets | $30,395,765,333 | 72 |
| Average equity | $3,139,967,667 | 71 |
| Average total loans | $26,751,603,000 | 54 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 866 |
| Cost of funding earning assets | 0.5269% | 433 |
| Net interest margin | 3.4120% | 1,276 |
| Noninterest income to average assets | 1.0811% | 581 |
| Noninterest expense to average assets | 1.8159% | 3,903 |
| Loan and lease loss provision to assets | -0.0621% | 4,536 |
| Net operating income to assets | 2.4139% | 131 |
| Return on assets (ROA) | 2.4152% | 129 |
| Pretax return on assets | 2.5139% | 181 |
| Return on Equity (ROE) | 25.5690% | 92 |
| Retained earnings to average equity (ytd only) | 14.2520% | 355 |
| Net charge-offs to loans | -0.0013% | 3,044 |
| Credit loss provision to net charge-offs | 5,617.9775% | 86 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4363% | 4,597 |
| Assets per employee ($millions) | 10.5269% | 586 |
| Cash dividends to net income (ytd only)* | 44.2605% | 1,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 4,453 |
| Loan loss allowance to noncurrent loans | 3.3159% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 16.4114% | 1 |
| Noncurrent loans to loans | 19.7733% | 4 |
| Net loans and leases to total assets | 82.2086% | 152 |
| Net loans and leases to deposits | 139.1594% | 10 |
| Net loans and leases to core deposits | 141.6132% | 58 |
| Total domestic deposits to total assets | 59.0752% | 4,730 |
| Equity capital to assets | 10.0423% | 1,859 |
| Core capital (leverage) ratio | 9.0193% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2141% | 875 |
| Memoranda: | ||
| Average total assets | $32,180,273,000 | 73 |
| Average earning assets | $30,041,263,500 | 72 |
| Average equity | $3,039,677,500 | 77 |
| Average total loans | $26,807,960,000 | 54 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 1,087 |
| Cost of funding earning assets | 0.5778% | 611 |
| Net interest margin | 3.5700% | 1,549 |
| Noninterest income to average assets | 0.9121% | 1,173 |
| Noninterest expense to average assets | 1.6578% | 4,355 |
| Loan and lease loss provision to assets | -0.0923% | 4,512 |
| Net operating income to assets | 2.6041% | 143 |
| Return on assets (ROA) | 2.6035% | 147 |
| Pretax return on assets | 2.6771% | 209 |
| Return on Equity (ROE) | 31.9267% | 58 |
| Retained earnings to average equity (ytd only) | 22.7807% | 34 |
| Net charge-offs to loans | 0.0262% | 1,720 |
| Credit loss provision to net charge-offs | -428.3008% | 3,725 |
| Earnings coverage of net charge-offs (x) | 119.9817% | 782 |
| Efficiency ratio | 38.9264% | 4,702 |
| Assets per employee ($millions) | 10.4207% | 597 |
| Cash dividends to net income (ytd only)* | 28.6469% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6674% | 4,476 |
| Loan loss allowance to noncurrent loans | 2.6276% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 21.3528% | 1 |
| Noncurrent loans to loans | 25.3974% | 1 |
| Net loans and leases to total assets | 83.3021% | 136 |
| Net loans and leases to deposits | 135.0169% | 16 |
| Net loans and leases to core deposits | 147.7693% | 54 |
| Total domestic deposits to total assets | 61.6976% | 4,762 |
| Equity capital to assets | 8.8473% | 3,764 |
| Core capital (leverage) ratio | 8.7561% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8471% | 916 |
| Memoranda: | ||
| Average total assets | $31,106,501,800 | 73 |
| Average earning assets | $29,025,454,400 | 71 |
| Average equity | $2,536,633,000 | 92 |
| Average total loans | $25,591,732,200 | 52 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1551% | 1,179 |
| Cost of funding earning assets | 0.5890% | 676 |
| Net interest margin | 3.5661% | 1,682 |
| Noninterest income to average assets | 0.9905% | 1,087 |
| Noninterest expense to average assets | 1.6217% | 4,441 |
| Loan and lease loss provision to assets | -0.0809% | 4,554 |
| Net operating income to assets | 2.6978% | 173 |
| Return on assets (ROA) | 2.6979% | 175 |
| Pretax return on assets | 2.7768% | 236 |
| Return on Equity (ROE) | 33.8324% | 64 |
| Retained earnings to average equity (ytd only) | 26.8955% | 40 |
| Net charge-offs to loans | 0.0395% | 1,302 |
| Credit loss provision to net charge-offs | -250.1538% | 3,442 |
| Earnings coverage of net charge-offs (x) | 83.4046% | 958 |
| Efficiency ratio | 37.4180% | 4,785 |
| Assets per employee ($millions) | 10.4155% | 570 |
| Cash dividends to net income (ytd only)* | 20.5038% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 4,447 |
| Loan loss allowance to noncurrent loans | 2.5475% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 23.7788% | 1 |
| Noncurrent loans to loans | 28.6917% | 1 |
| Net loans and leases to total assets | 82.0767% | 183 |
| Net loans and leases to deposits | 126.0351% | 32 |
| Net loans and leases to core deposits | 142.7147% | 71 |
| Total domestic deposits to total assets | 65.1221% | 4,800 |
| Equity capital to assets | 8.7054% | 4,064 |
| Core capital (leverage) ratio | 8.7744% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1127% | 937 |
| Memoranda: | ||
| Average total assets | $30,851,370,750 | 73 |
| Average earning assets | $28,782,691,750 | 72 |
| Average equity | $2,460,199,000 | 98 |
| Average total loans | $25,254,091,750 | 54 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 1,152 |
| Cost of funding earning assets | 0.5999% | 748 |
| Net interest margin | 3.6190% | 1,547 |
| Noninterest income to average assets | 1.0931% | 936 |
| Noninterest expense to average assets | 1.6136% | 4,494 |
| Loan and lease loss provision to assets | -0.0590% | 4,544 |
| Net operating income to assets | 2.8449% | 149 |
| Return on assets (ROA) | 2.8474% | 151 |
| Pretax return on assets | 2.9156% | 207 |
| Return on Equity (ROE) | 36.8540% | 56 |
| Retained earnings to average equity (ytd only) | 34.4095% | 20 |
| Net charge-offs to loans | 0.0543% | 1,081 |
| Credit loss provision to net charge-offs | -133.1372% | 3,111 |
| Earnings coverage of net charge-offs (x) | 64.4551% | 938 |
| Efficiency ratio | 35.9738% | 4,840 |
| Assets per employee ($millions) | 10.6878% | 501 |
| Cash dividends to net income (ytd only)* | 6.6330% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7841% | 4,387 |
| Loan loss allowance to noncurrent loans | 2.4525% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 26.2453% | 1 |
| Noncurrent loans to loans | 31.9718% | 1 |
| Net loans and leases to total assets | 81.2462% | 250 |
| Net loans and leases to deposits | 122.6188% | 50 |
| Net loans and leases to core deposits | 148.5047% | 70 |
| Total domestic deposits to total assets | 66.2592% | 4,816 |
| Equity capital to assets | 8.3594% | 4,315 |
| Core capital (leverage) ratio | 8.6883% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8963% | 980 |
| Memoranda: | ||
| Average total assets | $30,709,279,667 | 74 |
| Average earning assets | $28,634,366,000 | 72 |
| Average equity | $2,372,647,333 | 100 |
| Average total loans | $25,051,895,667 | 54 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 1,145 |
| Cost of funding earning assets | 0.6062% | 856 |
| Net interest margin | 3.6250% | 1,518 |
| Noninterest income to average assets | 0.9081% | 1,306 |
| Noninterest expense to average assets | 1.6191% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.6240% | 217 |
| Return on assets (ROA) | 2.6203% | 243 |
| Pretax return on assets | 2.6617% | 346 |
| Return on Equity (ROE) | 35.3890% | 83 |
| Retained earnings to average equity (ytd only) | 35.3890% | 52 |
| Net charge-offs to loans | 0.0550% | 960 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 59.5563% | 823 |
| Efficiency ratio | 37.6382% | 4,814 |
| Assets per employee ($millions) | 10.7613% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 4,361 |
| Loan loss allowance to noncurrent loans | 2.2545% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 29.8931% | 1 |
| Noncurrent loans to loans | 36.4366% | 1 |
| Net loans and leases to total assets | 81.2370% | 266 |
| Net loans and leases to deposits | 130.5639% | 37 |
| Net loans and leases to core deposits | 157.5336% | 65 |
| Total domestic deposits to total assets | 62.2202% | 4,874 |
| Equity capital to assets | 7.9430% | 4,523 |
| Core capital (leverage) ratio | 8.1327% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7931% | 1,105 |
| Memoranda: | ||
| Average total assets | $30,539,829,500 | 76 |
| Average earning assets | $28,445,297,500 | 75 |
| Average equity | $2,261,246,000 | 107 |
| Average total loans | $24,865,430,500 | 56 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3142% | 1,830 |
| Cost of funding earning assets | 0.9338% | 756 |
| Net interest margin | 3.3804% | 2,834 |
| Noninterest income to average assets | 0.7806% | 1,587 |
| Noninterest expense to average assets | 1.8877% | 4,336 |
| Loan and lease loss provision to assets | 0.4462% | 630 |
| Net operating income to assets | 1.5429% | 722 |
| Return on assets (ROA) | 1.5476% | 781 |
| Pretax return on assets | 1.5914% | 1,094 |
| Return on Equity (ROE) | 22.7947% | 140 |
| Retained earnings to average equity (ytd only) | 17.2891% | 99 |
| Net charge-offs to loans | 0.0642% | 1,857 |
| Credit loss provision to net charge-offs | 911.3753% | 826 |
| Earnings coverage of net charge-offs (x) | 41.5214% | 1,351 |
| Efficiency ratio | 47.3833% | 4,658 |
| Assets per employee ($millions) | 10.3870% | 471 |
| Cash dividends to net income (ytd only)* | 24.1530% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8987% | 4,186 |
| Loan loss allowance to noncurrent loans | 2.4332% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 29.9356% | 1 |
| Noncurrent loans to loans | 36.9330% | 1 |
| Net loans and leases to total assets | 80.1714% | 412 |
| Net loans and leases to deposits | 124.5505% | 55 |
| Net loans and leases to core deposits | 147.9621% | 93 |
| Total domestic deposits to total assets | 64.3686% | 4,878 |
| Equity capital to assets | 6.8314% | 4,928 |
| Core capital (leverage) ratio | 7.9625% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9313% | 1,281 |
| Memoranda: | ||
| Average total assets | $25,857,378,600 | 80 |
| Average earning assets | $24,017,800,400 | 80 |
| Average equity | $1,755,485,000 | 118 |
| Average total loans | $19,716,617,800 | 72 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 2,139 |
| Cost of funding earning assets | 1.0285% | 693 |
| Net interest margin | 3.2583% | 3,314 |
| Noninterest income to average assets | 0.8069% | 1,472 |
| Noninterest expense to average assets | 1.8939% | 4,338 |
| Loan and lease loss provision to assets | 0.4143% | 824 |
| Net operating income to assets | 1.4876% | 931 |
| Return on assets (ROA) | 1.4912% | 1,010 |
| Pretax return on assets | 1.5262% | 1,389 |
| Return on Equity (ROE) | 22.0059% | 176 |
| Retained earnings to average equity (ytd only) | 14.3753% | 231 |
| Net charge-offs to loans | 0.1003% | 1,308 |
| Credit loss provision to net charge-offs | 551.6920% | 1,217 |
| Earnings coverage of net charge-offs (x) | 25.7901% | 1,710 |
| Efficiency ratio | 49.2150% | 4,541 |
| Assets per employee ($millions) | 9.9676% | 509 |
| Cash dividends to net income (ytd only)* | 34.6751% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7755% | 4,420 |
| Loan loss allowance to noncurrent loans | 2.2451% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 27.8737% | 1 |
| Noncurrent loans to loans | 34.5422% | 1 |
| Net loans and leases to total assets | 79.8989% | 627 |
| Net loans and leases to deposits | 126.0400% | 75 |
| Net loans and leases to core deposits | 154.0275% | 101 |
| Total domestic deposits to total assets | 63.3917% | 4,897 |
| Equity capital to assets | 6.3742% | 4,995 |
| Core capital (leverage) ratio | 8.0913% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3618% | 1,408 |
| Memoranda: | ||
| Average total assets | $24,921,008,000 | 81 |
| Average earning assets | $23,127,566,250 | 79 |
| Average equity | $1,688,781,250 | 122 |
| Average total loans | $18,658,710,250 | 73 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 2,803 |
| Cost of funding earning assets | 1.1660% | 571 |
| Net interest margin | 3.0204% | 4,079 |
| Noninterest income to average assets | 0.8373% | 1,326 |
| Noninterest expense to average assets | 1.9489% | 4,331 |
| Loan and lease loss provision to assets | 0.4569% | 839 |
| Net operating income to assets | 1.1963% | 1,649 |
| Return on assets (ROA) | 1.1965% | 1,776 |
| Pretax return on assets | 1.2236% | 2,279 |
| Return on Equity (ROE) | 17.2534% | 422 |
| Retained earnings to average equity (ytd only) | 4.8351% | 2,553 |
| Net charge-offs to loans | 0.1417% | 1,007 |
| Credit loss provision to net charge-offs | 443.7256% | 1,317 |
| Earnings coverage of net charge-offs (x) | 16.3189% | 1,867 |
| Efficiency ratio | 53.4477% | 4,234 |
| Assets per employee ($millions) | 8.6100% | 779 |
| Cash dividends to net income (ytd only)* | 71.9760% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8196% | 4,291 |
| Loan loss allowance to noncurrent loans | 3.7815% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 16.8819% | 3 |
| Noncurrent loans to loans | 21.6727% | 5 |
| Net loans and leases to total assets | 76.9327% | 1,005 |
| Net loans and leases to deposits | 116.3940% | 123 |
| Net loans and leases to core deposits | 132.3335% | 236 |
| Total domestic deposits to total assets | 66.0968% | 4,883 |
| Equity capital to assets | 6.5408% | 5,013 |
| Core capital (leverage) ratio | 8.4364% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2805% | 1,420 |
| Memoranda: | ||
| Average total assets | $23,838,534,333 | 82 |
| Average earning assets | $22,034,473,667 | 80 |
| Average equity | $1,653,200,333 | 125 |
| Average total loans | $17,317,559,667 | 76 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 3,044 |
| Cost of funding earning assets | 1.3426% | 494 |
| Net interest margin | 2.9141% | 4,414 |
| Noninterest income to average assets | 0.5910% | 2,075 |
| Noninterest expense to average assets | 1.9858% | 4,423 |
| Loan and lease loss provision to assets | 0.2532% | 1,226 |
| Net operating income to assets | 1.0042% | 2,156 |
| Return on assets (ROA) | 0.9893% | 2,315 |
| Pretax return on assets | 1.0211% | 2,781 |
| Return on Equity (ROE) | 13.8585% | 724 |
| Retained earnings to average equity (ytd only) | -3.8844% | 4,427 |
| Net charge-offs to loans | 0.0324% | 1,741 |
| Credit loss provision to net charge-offs | 1,113.6465% | 528 |
| Earnings coverage of net charge-offs (x) | 56.7241% | 828 |
| Efficiency ratio | 60.3382% | 3,696 |
| Assets per employee ($millions) | 8.7292% | 584 |
| Cash dividends to net income (ytd only)* | 128.0293% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 4,519 |
| Loan loss allowance to noncurrent loans | 4.6507% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 11.2875% | 15 |
| Noncurrent loans to loans | 16.1507% | 13 |
| Net loans and leases to total assets | 68.8550% | 2,415 |
| Net loans and leases to deposits | 128.9096% | 41 |
| Net loans and leases to core deposits | 139.3504% | 173 |
| Total domestic deposits to total assets | 53.4134% | 5,059 |
| Equity capital to assets | 6.3337% | 5,096 |
| Core capital (leverage) ratio | 8.6743% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7767% | 1,666 |
| Memoranda: | ||
| Average total assets | $23,591,890,500 | 81 |
| Average earning assets | $21,732,793,000 | 79 |
| Average equity | $1,684,048,500 | 123 |
| Average total loans | $16,539,434,000 | 76 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 2,526 |
| Cost of funding earning assets | 1.4436% | 477 |
| Net interest margin | 3.1844% | 4,221 |
| Noninterest income to average assets | 0.7288% | 1,709 |
| Noninterest expense to average assets | 2.1277% | 4,314 |
| Loan and lease loss provision to assets | 0.0076% | 3,857 |
| Net operating income to assets | 1.4544% | 1,174 |
| Return on assets (ROA) | 1.4586% | 1,224 |
| Pretax return on assets | 1.4956% | 1,820 |
| Return on Equity (ROE) | 16.9833% | 424 |
| Retained earnings to average equity (ytd only) | 14.1854% | 119 |
| Net charge-offs to loans | 0.0106% | 3,310 |
| Credit loss provision to net charge-offs | 98.5897% | 2,523 |
| Earnings coverage of net charge-offs (x) | 194.5397% | 407 |
| Efficiency ratio | 58.3456% | 3,928 |
| Assets per employee ($millions) | 8.5834% | 573 |
| Cash dividends to net income (ytd only)* | 16.4748% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6905% | 4,595 |
| Loan loss allowance to noncurrent loans | 4.2698% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 11.5673% | 9 |
| Noncurrent loans to loans | 16.1727% | 7 |
| Net loans and leases to total assets | 70.3858% | 2,335 |
| Net loans and leases to deposits | 130.3075% | 42 |
| Net loans and leases to core deposits | 141.5206% | 170 |
| Total domestic deposits to total assets | 54.0152% | 5,115 |
| Equity capital to assets | 7.9852% | 5,059 |
| Core capital (leverage) ratio | 8.6824% | 4,729 |
| Tier 1 risk-based capital ratio | 14.5744% | 2,975 |
| Total risk-based capital ratio | 15.4581% | 3,076 |
| Memoranda: | ||
| Average total assets | $20,245,885,400 | 84 |
| Average earning assets | $18,424,289,200 | 81 |
| Average equity | $1,738,765,600 | 116 |
| Average total loans | $14,658,995,600 | 77 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7042% | 2,407 |
| Cost of funding earning assets | 1.4579% | 472 |
| Net interest margin | 3.2464% | 4,195 |
| Noninterest income to average assets | 0.6250% | 2,085 |
| Noninterest expense to average assets | 2.1394% | 4,293 |
| Loan and lease loss provision to assets | -0.0105% | 5,055 |
| Net operating income to assets | 1.3990% | 1,473 |
| Return on assets (ROA) | 1.3980% | 1,534 |
| Pretax return on assets | 1.4404% | 2,152 |
| Return on Equity (ROE) | 15.9495% | 612 |
| Retained earnings to average equity (ytd only) | 12.9168% | 291 |
| Net charge-offs to loans | -0.0142% | 4,481 |
| Credit loss provision to net charge-offs | 101.4502% | 2,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5781% | 3,716 |
| Assets per employee ($millions) | 8.2110% | 639 |
| Cash dividends to net income (ytd only)* | 19.0146% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 4,593 |
| Loan loss allowance to noncurrent loans | 5.8317% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 9.0604% | 21 |
| Noncurrent loans to loans | 12.4500% | 15 |
| Net loans and leases to total assets | 71.1768% | 2,295 |
| Net loans and leases to deposits | 133.1911% | 37 |
| Net loans and leases to core deposits | 147.0499% | 137 |
| Total domestic deposits to total assets | 53.4396% | 5,195 |
| Equity capital to assets | 7.9103% | 5,150 |
| Core capital (leverage) ratio | 8.7774% | 4,792 |
| Tier 1 risk-based capital ratio | 14.0342% | 3,313 |
| Total risk-based capital ratio | 14.9262% | 3,396 |
| Memoranda: | ||
| Average total assets | $19,560,779,500 | 87 |
| Average earning assets | $17,746,981,000 | 84 |
| Average equity | $1,714,580,500 | 117 |
| Average total loans | $14,250,842,500 | 81 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7500% | 2,226 |
| Cost of funding earning assets | 1.4412% | 458 |
| Net interest margin | 3.3088% | 4,122 |
| Noninterest income to average assets | 0.8021% | 1,341 |
| Noninterest expense to average assets | 2.2024% | 4,215 |
| Loan and lease loss provision to assets | 0.0102% | 3,542 |
| Net operating income to assets | 1.5338% | 1,051 |
| Return on assets (ROA) | 1.5327% | 1,104 |
| Pretax return on assets | 1.5794% | 1,608 |
| Return on Equity (ROE) | 16.8587% | 486 |
| Retained earnings to average equity (ytd only) | 16.1595% | 126 |
| Net charge-offs to loans | 0.0142% | 2,627 |
| Credit loss provision to net charge-offs | 97.9695% | 2,029 |
| Earnings coverage of net charge-offs (x) | 152.4264% | 492 |
| Efficiency ratio | 57.7212% | 4,044 |
| Assets per employee ($millions) | 7.6121% | 769 |
| Cash dividends to net income (ytd only)* | 4.1474% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7736% | 4,530 |
| Loan loss allowance to noncurrent loans | 7.0054% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 8.1532% | 26 |
| Noncurrent loans to loans | 11.0428% | 22 |
| Net loans and leases to total assets | 71.9160% | 2,225 |
| Net loans and leases to deposits | 142.3782% | 23 |
| Net loans and leases to core deposits | 159.5987% | 97 |
| Total domestic deposits to total assets | 50.5105% | 5,249 |
| Equity capital to assets | 8.5946% | 5,005 |
| Core capital (leverage) ratio | 8.9185% | 4,697 |
| Tier 1 risk-based capital ratio | 14.0977% | 3,264 |
| Total risk-based capital ratio | 15.0255% | 3,328 |
| Memoranda: | ||
| Average total assets | $18,877,255,000 | 89 |
| Average earning assets | $17,064,308,000 | 87 |
| Average equity | $1,716,263,330 | 116 |
| Average total loans | $13,836,201,670 | 81 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7139% | 2,180 |
| Cost of funding earning assets | 1.3804% | 492 |
| Net interest margin | 3.3335% | 4,084 |
| Noninterest income to average assets | 1.0659% | 704 |
| Noninterest expense to average assets | 2.2802% | 4,073 |
| Loan and lease loss provision to assets | 0.0161% | 3,227 |
| Net operating income to assets | 1.7689% | 627 |
| Return on assets (ROA) | 1.7680% | 648 |
| Pretax return on assets | 1.7680% | 1,061 |
| Return on Equity (ROE) | 18.8795% | 336 |
| Retained earnings to average equity (ytd only) | 18.1786% | 141 |
| Net charge-offs to loans | 0.0225% | 1,996 |
| Credit loss provision to net charge-offs | 97.0938% | 1,649 |
| Earnings coverage of net charge-offs (x) | 107.7781% | 640 |
| Efficiency ratio | 55.7583% | 4,365 |
| Assets per employee ($millions) | 7.3969% | 851 |
| Cash dividends to net income (ytd only)* | 3.7124% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 4,572 |
| Loan loss allowance to noncurrent loans | 5.7366% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 10.3287% | 16 |
| Noncurrent loans to loans | 13.6437% | 14 |
| Net loans and leases to total assets | 73.7560% | 1,852 |
| Net loans and leases to deposits | 157.1955% | 11 |
| Net loans and leases to core deposits | 169.0805% | 65 |
| Total domestic deposits to total assets | 46.9199% | 5,317 |
| Equity capital to assets | 8.9611% | 4,710 |
| Core capital (leverage) ratio | 9.0774% | 4,599 |
| Tier 1 risk-based capital ratio | 13.4304% | 3,647 |
| Total risk-based capital ratio | 14.3590% | 3,730 |
| Memoranda: | ||
| Average total assets | $18,283,088,000 | 92 |
| Average earning assets | $16,449,704,500 | 90 |
| Average equity | $1,712,119,000 | 116 |
| Average total loans | $13,482,867,000 | 84 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 1,874 |
| Cost of funding earning assets | 1.0909% | 511 |
| Net interest margin | 3.5950% | 3,400 |
| Noninterest income to average assets | 1.0566% | 843 |
| Noninterest expense to average assets | 2.4993% | 3,618 |
| Loan and lease loss provision to assets | -0.0568% | 5,211 |
| Net operating income to assets | 1.8422% | 508 |
| Return on assets (ROA) | 1.8411% | 507 |
| Pretax return on assets | 1.8411% | 833 |
| Return on Equity (ROE) | 17.9015% | 398 |
| Retained earnings to average equity (ytd only) | 10.9830% | 444 |
| Net charge-offs to loans | -0.1724% | 5,247 |
| Credit loss provision to net charge-offs | 44.8227% | 3,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9419% | 4,173 |
| Assets per employee ($millions) | 6.4150% | 1,256 |
| Cash dividends to net income (ytd only)* | 38.6477% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 4,197 |
| Loan loss allowance to noncurrent loans | 7.5881% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 8.8056% | 22 |
| Noncurrent loans to loans | 11.7762% | 16 |
| Net loans and leases to total assets | 72.4268% | 2,187 |
| Net loans and leases to deposits | 141.1156% | 21 |
| Net loans and leases to core deposits | 148.8629% | 140 |
| Total domestic deposits to total assets | 51.3245% | 5,356 |
| Equity capital to assets | 9.8172% | 3,845 |
| Core capital (leverage) ratio | 9.2489% | 4,398 |
| Tier 1 risk-based capital ratio | 13.2131% | 3,716 |
| Total risk-based capital ratio | 14.1686% | 3,782 |
| Memoranda: | ||
| Average total assets | $15,740,215,000 | 101 |
| Average earning assets | $14,133,655,600 | 99 |
| Average equity | $1,618,839,400 | 115 |
| Average total loans | $11,569,036,400 | 93 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6911% | 1,707 |
| Cost of funding earning assets | 1.0524% | 478 |
| Net interest margin | 3.6386% | 3,235 |
| Noninterest income to average assets | 1.1263% | 736 |
| Noninterest expense to average assets | 2.5834% | 3,333 |
| Loan and lease loss provision to assets | -0.1562% | 5,384 |
| Net operating income to assets | 1.9695% | 411 |
| Return on assets (ROA) | 1.9686% | 407 |
| Pretax return on assets | 1.9686% | 675 |
| Return on Equity (ROE) | 18.9001% | 350 |
| Retained earnings to average equity (ytd only) | 12.0698% | 473 |
| Net charge-offs to loans | -0.3418% | 5,372 |
| Credit loss provision to net charge-offs | 62.0647% | 2,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3640% | 4,063 |
| Assets per employee ($millions) | 6.4479% | 1,215 |
| Cash dividends to net income (ytd only)* | 36.1393% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 4,117 |
| Loan loss allowance to noncurrent loans | 9.8625% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 7.1477% | 42 |
| Noncurrent loans to loans | 9.4745% | 34 |
| Net loans and leases to total assets | 72.4385% | 2,265 |
| Net loans and leases to deposits | 137.7697% | 27 |
| Net loans and leases to core deposits | 145.3641% | 173 |
| Total domestic deposits to total assets | 52.5794% | 5,425 |
| Equity capital to assets | 10.3109% | 3,323 |
| Core capital (leverage) ratio | 9.5723% | 4,091 |
| Tier 1 risk-based capital ratio | 13.1840% | 3,792 |
| Total risk-based capital ratio | 14.1278% | 3,879 |
| Memoranda: | ||
| Average total assets | $15,367,574,000 | 101 |
| Average earning assets | $13,812,550,750 | 100 |
| Average equity | $1,600,654,000 | 111 |
| Average total loans | $11,313,238,500 | 94 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 1,485 |
| Cost of funding earning assets | 1.0546% | 359 |
| Net interest margin | 3.6532% | 3,106 |
| Noninterest income to average assets | 1.2514% | 617 |
| Noninterest expense to average assets | 2.6750% | 3,098 |
| Loan and lease loss provision to assets | -0.1600% | 5,456 |
| Net operating income to assets | 2.0257% | 363 |
| Return on assets (ROA) | 2.0243% | 364 |
| Pretax return on assets | 2.0243% | 577 |
| Return on Equity (ROE) | 19.3637% | 307 |
| Retained earnings to average equity (ytd only) | 13.3696% | 332 |
| Net charge-offs to loans | -0.4877% | 5,434 |
| Credit loss provision to net charge-offs | 44.4543% | 2,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5130% | 4,154 |
| Assets per employee ($millions) | 6.2216% | 1,320 |
| Cash dividends to net income (ytd only)* | 30.9553% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0378% | 3,609 |
| Loan loss allowance to noncurrent loans | 12.4609% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 6.3102% | 53 |
| Noncurrent loans to loans | 8.3288% | 42 |
| Net loans and leases to total assets | 72.2376% | 2,235 |
| Net loans and leases to deposits | 133.7875% | 30 |
| Net loans and leases to core deposits | 141.0978% | 185 |
| Total domestic deposits to total assets | 53.9943% | 5,484 |
| Equity capital to assets | 10.6751% | 2,953 |
| Core capital (leverage) ratio | 10.1398% | 3,439 |
| Tier 1 risk-based capital ratio | 14.4462% | 3,141 |
| Total risk-based capital ratio | 15.4114% | 3,198 |
| Memoranda: | ||
| Average total assets | $15,000,816,670 | 101 |
| Average earning assets | $13,506,961,670 | 100 |
| Average equity | $1,568,213,000 | 112 |
| Average total loans | $11,070,456,330 | 96 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7272% | 1,242 |
| Cost of funding earning assets | 1.1085% | 220 |
| Net interest margin | 3.6187% | 3,110 |
| Noninterest income to average assets | 1.4623% | 441 |
| Noninterest expense to average assets | 2.7524% | 2,867 |
| Loan and lease loss provision to assets | -0.1620% | 5,540 |
| Net operating income to assets | 2.1304% | 279 |
| Return on assets (ROA) | 2.1276% | 279 |
| Pretax return on assets | 2.1276% | 437 |
| Return on Equity (ROE) | 20.5769% | 217 |
| Retained earnings to average equity (ytd only) | 12.2187% | 644 |
| Net charge-offs to loans | -0.7662% | 5,526 |
| Credit loss provision to net charge-offs | 28.4968% | 2,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9135% | 4,351 |
| Assets per employee ($millions) | 5.9946% | 1,519 |
| Cash dividends to net income (ytd only)* | 40.6194% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,664 |
| Loan loss allowance to noncurrent loans | 11.2372% | 4,992 |
| Noncurrent assets plus other real estate owned to assets | 7.2075% | 43 |
| Noncurrent loans to loans | 9.3422% | 29 |
| Net loans and leases to total assets | 73.7603% | 1,901 |
| Net loans and leases to deposits | 134.2627% | 27 |
| Net loans and leases to core deposits | 143.0004% | 184 |
| Total domestic deposits to total assets | 54.9373% | 5,545 |
| Equity capital to assets | 10.5507% | 3,024 |
| Core capital (leverage) ratio | 9.1769% | 4,468 |
| Tier 1 risk-based capital ratio | 14.4454% | 3,150 |
| Total risk-based capital ratio | 15.3945% | 3,227 |
| Memoranda: | ||
| Average total assets | $14,811,367,500 | 101 |
| Average earning assets | $13,336,863,500 | 102 |
| Average equity | $1,531,423,000 | 113 |
| Average total loans | $10,992,461,500 | 95 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 1,553 |
| Cost of funding earning assets | 0.9509% | 287 |
| Net interest margin | 3.6022% | 3,160 |
| Noninterest income to average assets | 1.1881% | 735 |
| Noninterest expense to average assets | 2.6821% | 3,189 |
| Loan and lease loss provision to assets | 0.2179% | 907 |
| Net operating income to assets | 1.5263% | 759 |
| Return on assets (ROA) | 1.5256% | 767 |
| Pretax return on assets | 1.5256% | 1,540 |
| Return on Equity (ROE) | 14.9024% | 623 |
| Retained earnings to average equity (ytd only) | 2.7384% | 3,673 |
| Net charge-offs to loans | 0.2580% | 1,012 |
| Credit loss provision to net charge-offs | 114.0271% | 2,295 |
| Earnings coverage of net charge-offs (x) | 9.1266% | 2,822 |
| Efficiency ratio | 60.1143% | 4,247 |
| Assets per employee ($millions) | 5.9596% | 1,542 |
| Cash dividends to net income (ytd only)* | 81.6245% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 4,301 |
| Loan loss allowance to noncurrent loans | 9.8560% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 7.3224% | 41 |
| Noncurrent loans to loans | 9.4665% | 29 |
| Net loans and leases to total assets | 73.1968% | 2,065 |
| Net loans and leases to deposits | 134.5655% | 31 |
| Net loans and leases to core deposits | 143.7181% | 179 |
| Total domestic deposits to total assets | 54.3949% | 5,611 |
| Equity capital to assets | 10.1259% | 3,567 |
| Core capital (leverage) ratio | 9.0593% | 4,573 |
| Tier 1 risk-based capital ratio | 14.2727% | 3,213 |
| Total risk-based capital ratio | 15.1258% | 3,339 |
| Memoranda: | ||
| Average total assets | $14,454,873,800 | 100 |
| Average earning assets | $12,994,060,600 | 101 |
| Average equity | $1,479,776,400 | 110 |
| Average total loans | $10,707,833,000 | 95 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 1,510 |
| Cost of funding earning assets | 0.9331% | 287 |
| Net interest margin | 3.6146% | 3,090 |
| Noninterest income to average assets | 1.2064% | 717 |
| Noninterest expense to average assets | 2.6368% | 3,295 |
| Loan and lease loss provision to assets | 0.0278% | 3,575 |
| Net operating income to assets | 1.7906% | 478 |
| Return on assets (ROA) | 1.7903% | 486 |
| Pretax return on assets | 1.7903% | 911 |
| Return on Equity (ROE) | 17.4399% | 379 |
| Retained earnings to average equity (ytd only) | 6.6069% | 1,905 |
| Net charge-offs to loans | -0.0017% | 4,306 |
| Credit loss provision to net charge-offs | -2,189.7810% | 5,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6923% | 4,405 |
| Assets per employee ($millions) | 6.0175% | 1,479 |
| Cash dividends to net income (ytd only)* | 62.1163% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 4,363 |
| Loan loss allowance to noncurrent loans | 10.2391% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 6.9415% | 51 |
| Noncurrent loans to loans | 9.2011% | 30 |
| Net loans and leases to total assets | 71.3513% | 2,349 |
| Net loans and leases to deposits | 133.2996% | 33 |
| Net loans and leases to core deposits | 142.3354% | 179 |
| Total domestic deposits to total assets | 53.5270% | 5,679 |
| Equity capital to assets | 10.1864% | 3,703 |
| Core capital (leverage) ratio | 9.0813% | 4,652 |
| Tier 1 risk-based capital ratio | 14.9934% | 2,922 |
| Total risk-based capital ratio | 15.8398% | 3,054 |
| Memoranda: | ||
| Average total assets | $14,387,053,250 | 99 |
| Average earning assets | $12,930,882,000 | 100 |
| Average equity | $1,476,932,750 | 111 |
| Average total loans | $10,664,643,000 | 91 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 1,343 |
| Cost of funding earning assets | 0.8849% | 335 |
| Net interest margin | 3.6793% | 2,723 |
| Noninterest income to average assets | 1.2591% | 658 |
| Noninterest expense to average assets | 2.6365% | 3,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9251% | 355 |
| Return on assets (ROA) | 1.9250% | 365 |
| Pretax return on assets | 1.9250% | 618 |
| Return on Equity (ROE) | 18.7012% | 284 |
| Retained earnings to average equity (ytd only) | 10.5099% | 505 |
| Net charge-offs to loans | -0.0055% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2928% | 4,675 |
| Assets per employee ($millions) | 5.8683% | 1,563 |
| Cash dividends to net income (ytd only)* | 43.8007% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 4,517 |
| Loan loss allowance to noncurrent loans | 9.7390% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 7.1473% | 54 |
| Noncurrent loans to loans | 9.5378% | 30 |
| Net loans and leases to total assets | 71.8037% | 2,235 |
| Net loans and leases to deposits | 133.4123% | 37 |
| Net loans and leases to core deposits | 142.3536% | 173 |
| Total domestic deposits to total assets | 53.8209% | 5,722 |
| Equity capital to assets | 10.2952% | 3,574 |
| Core capital (leverage) ratio | 9.1744% | 4,524 |
| Tier 1 risk-based capital ratio | 15.2571% | 2,825 |
| Total risk-based capital ratio | 16.0848% | 2,924 |
| Memoranda: | ||
| Average total assets | $14,232,370,670 | 101 |
| Average earning assets | $12,775,019,670 | 101 |
| Average equity | $1,464,979,330 | 111 |
| Average total loans | $10,653,781,670 | 92 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5426% | 1,274 |
| Cost of funding earning assets | 0.8029% | 477 |
| Net interest margin | 3.7398% | 2,356 |
| Noninterest income to average assets | 1.0795% | 857 |
| Noninterest expense to average assets | 2.7130% | 3,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7198% | 530 |
| Return on assets (ROA) | 1.7195% | 541 |
| Pretax return on assets | 1.7195% | 966 |
| Return on Equity (ROE) | 16.7071% | 442 |
| Retained earnings to average equity (ytd only) | 16.7071% | 176 |
| Net charge-offs to loans | -0.0327% | 4,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6716% | 4,369 |
| Assets per employee ($millions) | 6.1127% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 4,686 |
| Loan loss allowance to noncurrent loans | 8.6572% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 7.8762% | 51 |
| Noncurrent loans to loans | 10.6070% | 29 |
| Net loans and leases to total assets | 71.4188% | 2,150 |
| Net loans and leases to deposits | 138.5097% | 20 |
| Net loans and leases to core deposits | 147.5263% | 115 |
| Total domestic deposits to total assets | 51.5623% | 5,800 |
| Equity capital to assets | 10.0198% | 3,729 |
| Core capital (leverage) ratio | 9.6898% | 3,884 |
| Tier 1 risk-based capital ratio | 15.1946% | 2,874 |
| Total risk-based capital ratio | 16.0311% | 2,995 |
| Memoranda: | ||
| Average total assets | $14,074,851,500 | 101 |
| Average earning assets | $12,620,483,500 | 102 |
| Average equity | $1,448,626,000 | 109 |
| Average total loans | $10,708,913,000 | 88 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9973% | 591 |
| Cost of funding earning assets | 0.8030% | 499 |
| Net interest margin | 4.1943% | 1,133 |
| Noninterest income to average assets | 1.0892% | 953 |
| Noninterest expense to average assets | 2.9091% | 2,642 |
| Loan and lease loss provision to assets | 0.0597% | 3,187 |
| Net operating income to assets | 1.8368% | 414 |
| Return on assets (ROA) | 1.8471% | 422 |
| Pretax return on assets | 1.8471% | 696 |
| Return on Equity (ROE) | 19.3024% | 250 |
| Retained earnings to average equity (ytd only) | 5.6364% | 1,927 |
| Net charge-offs to loans | 0.0035% | 4,138 |
| Credit loss provision to net charge-offs | 2,084.5070% | 208 |
| Earnings coverage of net charge-offs (x) | 661.7859% | 124 |
| Efficiency ratio | 60.0479% | 4,577 |
| Assets per employee ($millions) | 5.4473% | 1,909 |
| Cash dividends to net income (ytd only)* | 70.7996% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 4,733 |
| Loan loss allowance to noncurrent loans | 7.6861% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 9.7899% | 36 |
| Noncurrent loans to loans | 11.8848% | 20 |
| Net loans and leases to total assets | 79.9158% | 905 |
| Net loans and leases to deposits | 143.4687% | 15 |
| Net loans and leases to core deposits | 153.5968% | 101 |
| Total domestic deposits to total assets | 55.7026% | 5,851 |
| Equity capital to assets | 10.5165% | 3,137 |
| Core capital (leverage) ratio | 9.8190% | 3,715 |
| Tier 1 risk-based capital ratio | 13.9686% | 3,478 |
| Total risk-based capital ratio | 14.8731% | 3,598 |
| Memoranda: | ||
| Average total assets | $12,387,765,600 | 104 |
| Average earning assets | $10,976,409,400 | 104 |
| Average equity | $1,185,423,600 | 127 |
| Average total loans | $10,092,919,000 | 90 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0332% | 563 |
| Cost of funding earning assets | 0.8315% | 425 |
| Net interest margin | 4.2017% | 1,113 |
| Noninterest income to average assets | 0.9312% | 1,309 |
| Noninterest expense to average assets | 2.8477% | 2,835 |
| Loan and lease loss provision to assets | 0.0674% | 2,873 |
| Net operating income to assets | 1.7314% | 560 |
| Return on assets (ROA) | 1.7474% | 575 |
| Pretax return on assets | 1.7474% | 1,007 |
| Return on Equity (ROE) | 18.7658% | 314 |
| Retained earnings to average equity (ytd only) | -0.0572% | 5,363 |
| Net charge-offs to loans | -0.0141% | 4,893 |
| Credit loss provision to net charge-offs | -586.2726% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8052% | 4,426 |
| Assets per employee ($millions) | 5.2755% | 2,072 |
| Cash dividends to net income (ytd only)* | 100.3047% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 4,686 |
| Loan loss allowance to noncurrent loans | 8.9378% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 8.6830% | 51 |
| Noncurrent loans to loans | 10.5694% | 30 |
| Net loans and leases to total assets | 79.4697% | 971 |
| Net loans and leases to deposits | 138.3309% | 22 |
| Net loans and leases to core deposits | 148.2052% | 132 |
| Total domestic deposits to total assets | 57.4490% | 5,906 |
| Equity capital to assets | 9.4832% | 4,677 |
| Core capital (leverage) ratio | 9.3815% | 4,352 |
| Tier 1 risk-based capital ratio | 13.5549% | 3,830 |
| Total risk-based capital ratio | 14.4821% | 3,927 |
| Memoranda: | ||
| Average total assets | $12,171,397,250 | 105 |
| Average earning assets | $10,762,316,500 | 104 |
| Average equity | $1,133,336,000 | 131 |
| Average total loans | $9,943,879,250 | 90 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0134% | 575 |
| Cost of funding earning assets | 0.8550% | 366 |
| Net interest margin | 4.1585% | 1,204 |
| Noninterest income to average assets | 0.8885% | 1,408 |
| Noninterest expense to average assets | 2.7508% | 3,193 |
| Loan and lease loss provision to assets | 0.1031% | 2,121 |
| Net operating income to assets | 1.7027% | 575 |
| Return on assets (ROA) | 1.7015% | 611 |
| Pretax return on assets | 1.7015% | 1,085 |
| Return on Equity (ROE) | 18.3958% | 335 |
| Retained earnings to average equity (ytd only) | -0.6396% | 5,386 |
| Net charge-offs to loans | -0.0013% | 4,332 |
| Credit loss provision to net charge-offs | -9,919.3548% | 5,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9006% | 4,653 |
| Assets per employee ($millions) | 5.2233% | 2,062 |
| Cash dividends to net income (ytd only)* | 103.4768% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 4,623 |
| Loan loss allowance to noncurrent loans | 8.6515% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 9.3358% | 52 |
| Noncurrent loans to loans | 11.3084% | 27 |
| Net loans and leases to total assets | 79.8945% | 931 |
| Net loans and leases to deposits | 147.1108% | 12 |
| Net loans and leases to core deposits | 157.8376% | 93 |
| Total domestic deposits to total assets | 54.3091% | 6,000 |
| Equity capital to assets | 8.7935% | 5,409 |
| Core capital (leverage) ratio | 9.2590% | 4,506 |
| Tier 1 risk-based capital ratio | 13.6047% | 3,834 |
| Total risk-based capital ratio | 14.4884% | 3,970 |
| Memoranda: | ||
| Average total assets | $11,927,222,670 | 105 |
| Average earning assets | $10,520,744,670 | 104 |
| Average equity | $1,103,211,000 | 133 |
| Average total loans | $9,807,670,000 | 91 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 423 |
| Cost of funding earning assets | 0.8805% | 318 |
| Net interest margin | 4.3118% | 910 |
| Noninterest income to average assets | 0.7980% | 1,621 |
| Noninterest expense to average assets | 2.7333% | 3,299 |
| Loan and lease loss provision to assets | 0.1412% | 1,493 |
| Net operating income to assets | 1.7151% | 555 |
| Return on assets (ROA) | 1.7135% | 597 |
| Pretax return on assets | 1.7135% | 1,041 |
| Return on Equity (ROE) | 18.0608% | 347 |
| Retained earnings to average equity (ytd only) | -3.4525% | 5,512 |
| Net charge-offs to loans | 0.0817% | 1,679 |
| Credit loss provision to net charge-offs | 208.0201% | 1,051 |
| Earnings coverage of net charge-offs (x) | 27.3529% | 1,245 |
| Efficiency ratio | 59.0824% | 4,863 |
| Assets per employee ($millions) | 5.0939% | 2,244 |
| Cash dividends to net income (ytd only)* | 119.1162% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9298% | 4,952 |
| Loan loss allowance to noncurrent loans | 7.6194% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 10.4028% | 52 |
| Noncurrent loans to loans | 12.2029% | 24 |
| Net loans and leases to total assets | 82.7015% | 480 |
| Net loans and leases to deposits | 148.3353% | 12 |
| Net loans and leases to core deposits | 159.1405% | 84 |
| Total domestic deposits to total assets | 55.7531% | 6,058 |
| Equity capital to assets | 9.0083% | 5,165 |
| Core capital (leverage) ratio | 9.1190% | 4,709 |
| Tier 1 risk-based capital ratio | 13.8120% | 3,804 |
| Total risk-based capital ratio | 14.6828% | 3,948 |
| Memoranda: | ||
| Average total assets | $11,758,719,000 | 106 |
| Average earning assets | $10,340,093,500 | 104 |
| Average equity | $1,115,589,000 | 129 |
| Average total loans | $9,763,876,500 | 91 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1599% | 457 |
| Cost of funding earning assets | 0.9236% | 258 |
| Net interest margin | 4.2363% | 1,086 |
| Noninterest income to average assets | 1.7462% | 437 |
| Noninterest expense to average assets | 3.0708% | 2,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.3736% | 181 |
| Return on assets (ROA) | 2.4555% | 165 |
| Pretax return on assets | 2.4555% | 222 |
| Return on Equity (ROE) | 24.6541% | 110 |
| Retained earnings to average equity (ytd only) | 9.4660% | 540 |
| Net charge-offs to loans | -0.0357% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0252% | 5,341 |
| Assets per employee ($millions) | 4.9539% | 2,417 |
| Cash dividends to net income (ytd only)* | 61.6048% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 4,879 |
| Loan loss allowance to noncurrent loans | 7.0986% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 11.2962% | 43 |
| Noncurrent loans to loans | 13.3614% | 24 |
| Net loans and leases to total assets | 81.7949% | 616 |
| Net loans and leases to deposits | 145.9367% | 14 |
| Net loans and leases to core deposits | 156.5858% | 86 |
| Total domestic deposits to total assets | 56.0482% | 6,113 |
| Equity capital to assets | 9.9822% | 3,981 |
| Core capital (leverage) ratio | 9.1725% | 4,656 |
| Tier 1 risk-based capital ratio | 14.7030% | 3,331 |
| Total risk-based capital ratio | 15.6969% | 3,381 |
| Memoranda: | ||
| Average total assets | $11,105,948,400 | 105 |
| Average earning assets | $9,695,074,000 | 105 |
| Average equity | $1,106,127,200 | 124 |
| Average total loans | $9,177,895,800 | 95 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1459% | 474 |
| Cost of funding earning assets | 0.9327% | 243 |
| Net interest margin | 4.2133% | 1,140 |
| Noninterest income to average assets | 1.7856% | 422 |
| Noninterest expense to average assets | 3.0580% | 2,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.4022% | 184 |
| Return on assets (ROA) | 2.4841% | 170 |
| Pretax return on assets | 2.4841% | 245 |
| Return on Equity (ROE) | 24.9564% | 117 |
| Retained earnings to average equity (ytd only) | 11.4283% | 424 |
| Net charge-offs to loans | -0.0275% | 5,320 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6413% | 5,395 |
| Assets per employee ($millions) | 4.9087% | 2,409 |
| Cash dividends to net income (ytd only)* | 54.2069% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 5,103 |
| Loan loss allowance to noncurrent loans | 6.7136% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 11.6192% | 42 |
| Noncurrent loans to loans | 13.7624% | 21 |
| Net loans and leases to total assets | 81.7591% | 604 |
| Net loans and leases to deposits | 147.6916% | 16 |
| Net loans and leases to core deposits | 158.9146% | 76 |
| Total domestic deposits to total assets | 55.3580% | 6,202 |
| Equity capital to assets | 9.6319% | 4,597 |
| Core capital (leverage) ratio | 9.2819% | 4,607 |
| Tier 1 risk-based capital ratio | 14.5413% | 3,542 |
| Total risk-based capital ratio | 15.5332% | 3,608 |
| Memoranda: | ||
| Average total assets | $10,990,624,000 | 108 |
| Average earning assets | $9,585,390,250 | 108 |
| Average equity | $1,093,991,250 | 128 |
| Average total loans | $9,084,367,000 | 97 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1755% | 445 |
| Cost of funding earning assets | 0.9466% | 224 |
| Net interest margin | 4.2289% | 1,050 |
| Noninterest income to average assets | 2.0519% | 355 |
| Noninterest expense to average assets | 3.0882% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.6466% | 142 |
| Return on assets (ROA) | 2.7366% | 126 |
| Pretax return on assets | 2.7366% | 177 |
| Return on Equity (ROE) | 27.1742% | 86 |
| Retained earnings to average equity (ytd only) | 15.1715% | 182 |
| Net charge-offs to loans | -0.0496% | 5,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5325% | 5,618 |
| Assets per employee ($millions) | 4.7005% | 2,679 |
| Cash dividends to net income (ytd only)* | 44.1693% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 5,168 |
| Loan loss allowance to noncurrent loans | 6.5404% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 12.0780% | 44 |
| Noncurrent loans to loans | 14.2719% | 26 |
| Net loans and leases to total assets | 81.4705% | 611 |
| Net loans and leases to deposits | 147.6533% | 16 |
| Net loans and leases to core deposits | 158.7747% | 82 |
| Total domestic deposits to total assets | 55.1769% | 6,275 |
| Equity capital to assets | 9.9725% | 4,070 |
| Core capital (leverage) ratio | 9.5253% | 4,251 |
| Tier 1 risk-based capital ratio | 14.5220% | 3,624 |
| Total risk-based capital ratio | 15.5085% | 3,715 |
| Memoranda: | ||
| Average total assets | $10,755,011,330 | 111 |
| Average earning assets | $9,366,331,000 | 110 |
| Average equity | $1,083,093,670 | 131 |
| Average total loans | $8,894,847,330 | 99 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4759% | 273 |
| Cost of funding earning assets | 0.9965% | 187 |
| Net interest margin | 4.4794% | 625 |
| Noninterest income to average assets | 1.4123% | 586 |
| Noninterest expense to average assets | 3.2664% | 1,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.0459% | 315 |
| Return on assets (ROA) | 2.1488% | 270 |
| Pretax return on assets | 2.1488% | 433 |
| Return on Equity (ROE) | 21.2209% | 218 |
| Retained earnings to average equity (ytd only) | 7.4164% | 1,803 |
| Net charge-offs to loans | -0.0902% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0962% | 4,949 |
| Assets per employee ($millions) | 4.4978% | 3,059 |
| Cash dividends to net income (ytd only)* | 65.0512% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 5,010 |
| Loan loss allowance to noncurrent loans | 6.2691% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 13.5489% | 40 |
| Noncurrent loans to loans | 15.9858% | 22 |
| Net loans and leases to total assets | 81.4652% | 520 |
| Net loans and leases to deposits | 137.0052% | 25 |
| Net loans and leases to core deposits | 147.7043% | 110 |
| Total domestic deposits to total assets | 59.4614% | 6,329 |
| Equity capital to assets | 9.7262% | 4,469 |
| Core capital (leverage) ratio | 9.2679% | 4,629 |
| Tier 1 risk-based capital ratio | 14.3909% | 3,781 |
| Total risk-based capital ratio | 15.3567% | 3,868 |
| Memoranda: | ||
| Average total assets | $10,301,515,000 | 112 |
| Average earning assets | $8,969,092,500 | 111 |
| Average equity | $1,043,143,500 | 134 |
| Average total loans | $8,546,964,500 | 101 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2376% | 486 |
| Cost of funding earning assets | 1.0693% | 162 |
| Net interest margin | 4.1683% | 1,392 |
| Noninterest income to average assets | 1.9902% | 344 |
| Noninterest expense to average assets | 3.3653% | 1,774 |
| Loan and lease loss provision to assets | 0.0350% | 3,889 |
| Net operating income to assets | 2.2013% | 226 |
| Return on assets (ROA) | 2.3581% | 183 |
| Pretax return on assets | 2.3581% | 247 |
| Return on Equity (ROE) | 20.3524% | 231 |
| Retained earnings to average equity (ytd only) | 0.0726% | 5,737 |
| Net charge-offs to loans | 0.0046% | 4,860 |
| Credit loss provision to net charge-offs | 925.4144% | 293 |
| Earnings coverage of net charge-offs (x) | 591.5304% | 88 |
| Efficiency ratio | 59.9743% | 5,232 |
| Assets per employee ($millions) | 4.1944% | 3,556 |
| Cash dividends to net income (ytd only)* | 99.6435% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 4,724 |
| Loan loss allowance to noncurrent loans | 5.8408% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 15.7314% | 28 |
| Noncurrent loans to loans | 18.2566% | 13 |
| Net loans and leases to total assets | 82.8257% | 448 |
| Net loans and leases to deposits | 138.1919% | 26 |
| Net loans and leases to core deposits | 151.3799% | 111 |
| Total domestic deposits to total assets | 59.9352% | 6,406 |
| Equity capital to assets | 10.5686% | 3,399 |
| Core capital (leverage) ratio | 11.4852% | 1,977 |
| Tier 1 risk-based capital ratio | 15.0744% | 3,447 |
| Total risk-based capital ratio | 16.4059% | 3,358 |
| Memoranda: | ||
| Average total assets | $9,575,531,600 | 115 |
| Average earning assets | $8,296,244,400 | 116 |
| Average equity | $1,109,473,400 | 122 |
| Average total loans | $7,911,654,800 | 101 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1672% | 557 |
| Cost of funding earning assets | 1.0911% | 151 |
| Net interest margin | 4.0760% | 1,652 |
| Noninterest income to average assets | 2.0070% | 342 |
| Noninterest expense to average assets | 3.3913% | 1,696 |
| Loan and lease loss provision to assets | -0.0609% | 6,215 |
| Net operating income to assets | 2.2042% | 237 |
| Return on assets (ROA) | 2.3860% | 172 |
| Pretax return on assets | 2.3860% | 264 |
| Return on Equity (ROE) | 20.1389% | 276 |
| Retained earnings to average equity (ytd only) | 0.0521% | 5,781 |
| Net charge-offs to loans | 0.0123% | 4,316 |
| Credit loss provision to net charge-offs | -603.3287% | 5,792 |
| Earnings coverage of net charge-offs (x) | 212.3480% | 307 |
| Efficiency ratio | 61.1644% | 5,014 |
| Assets per employee ($millions) | 4.1868% | 3,512 |
| Cash dividends to net income (ytd only)* | 99.7413% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 5,355 |
| Loan loss allowance to noncurrent loans | 5.1321% | 6,038 |
| Noncurrent assets plus other real estate owned to assets | 16.2525% | 29 |
| Noncurrent loans to loans | 18.8431% | 14 |
| Net loans and leases to total assets | 82.8490% | 424 |
| Net loans and leases to deposits | 139.1852% | 23 |
| Net loans and leases to core deposits | 153.0282% | 95 |
| Total domestic deposits to total assets | 59.5243% | 6,493 |
| Equity capital to assets | 11.3939% | 2,591 |
| Core capital (leverage) ratio | 12.1145% | 1,627 |
| Tier 1 risk-based capital ratio | 16.0832% | 3,022 |
| Total risk-based capital ratio | 17.3066% | 2,986 |
| Memoranda: | ||
| Average total assets | $9,524,105,000 | 117 |
| Average earning assets | $8,242,592,500 | 116 |
| Average equity | $1,128,407,500 | 118 |
| Average total loans | $7,842,395,250 | 101 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 576 |
| Cost of funding earning assets | 1.0871% | 157 |
| Net interest margin | 4.0456% | 1,674 |
| Noninterest income to average assets | 2.0686% | 326 |
| Noninterest expense to average assets | 3.4109% | 1,653 |
| Loan and lease loss provision to assets | -0.0922% | 6,364 |
| Net operating income to assets | 2.2426% | 209 |
| Return on assets (ROA) | 2.4495% | 159 |
| Pretax return on assets | 2.4495% | 229 |
| Return on Equity (ROE) | 20.4035% | 271 |
| Retained earnings to average equity (ytd only) | 2.7427% | 4,456 |
| Net charge-offs to loans | 0.0246% | 3,706 |
| Credit loss provision to net charge-offs | -456.9328% | 5,548 |
| Earnings coverage of net charge-offs (x) | 106.5368% | 532 |
| Efficiency ratio | 61.2189% | 5,113 |
| Assets per employee ($millions) | 3.8392% | 4,178 |
| Cash dividends to net income (ytd only)* | 86.5576% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 5,172 |
| Loan loss allowance to noncurrent loans | 5.1098% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 17.2396% | 21 |
| Noncurrent loans to loans | 20.2792% | 10 |
| Net loans and leases to total assets | 81.6407% | 496 |
| Net loans and leases to deposits | 130.7157% | 36 |
| Net loans and leases to core deposits | 144.6494% | 118 |
| Total domestic deposits to total assets | 62.4567% | 6,536 |
| Equity capital to assets | 12.2031% | 1,853 |
| Core capital (leverage) ratio | 12.9974% | 1,156 |
| Tier 1 risk-based capital ratio | 16.5578% | 2,797 |
| Total risk-based capital ratio | 17.7851% | 2,777 |
| Memoranda: | ||
| Average total assets | $9,433,113,670 | 117 |
| Average earning assets | $8,143,640,000 | 115 |
| Average equity | $1,132,452,330 | 115 |
| Average total loans | $7,724,512,000 | 101 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0720% | 624 |
| Cost of funding earning assets | 1.0780% | 181 |
| Net interest margin | 3.9940% | 1,788 |
| Noninterest income to average assets | 1.9876% | 339 |
| Noninterest expense to average assets | 3.3113% | 1,923 |
| Loan and lease loss provision to assets | -0.1826% | 6,557 |
| Net operating income to assets | 2.3076% | 200 |
| Return on assets (ROA) | 2.5180% | 149 |
| Pretax return on assets | 2.5180% | 215 |
| Return on Equity (ROE) | 21.1440% | 237 |
| Retained earnings to average equity (ytd only) | 5.2794% | 2,935 |
| Net charge-offs to loans | -0.0727% | 5,970 |
| Credit loss provision to net charge-offs | 308.0737% | 782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7924% | 5,295 |
| Assets per employee ($millions) | 3.8843% | 4,165 |
| Cash dividends to net income (ytd only)* | 75.0313% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 5,333 |
| Loan loss allowance to noncurrent loans | 4.8885% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 18.1736% | 23 |
| Noncurrent loans to loans | 21.3826% | 10 |
| Net loans and leases to total assets | 81.4658% | 400 |
| Net loans and leases to deposits | 134.2995% | 33 |
| Net loans and leases to core deposits | 148.5802% | 100 |
| Total domestic deposits to total assets | 60.6598% | 6,638 |
| Equity capital to assets | 11.9980% | 1,868 |
| Core capital (leverage) ratio | 12.7001% | 1,295 |
| Tier 1 risk-based capital ratio | 16.8575% | 2,754 |
| Total risk-based capital ratio | 18.1348% | 2,699 |
| Memoranda: | ||
| Average total assets | $9,527,273,500 | 113 |
| Average earning assets | $8,226,178,000 | 114 |
| Average equity | $1,134,601,500 | 115 |
| Average total loans | $7,773,498,000 | 100 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 628 |
| Cost of funding earning assets | 1.2533% | 139 |
| Net interest margin | 3.9549% | 2,089 |
| Noninterest income to average assets | 2.2289% | 339 |
| Noninterest expense to average assets | 3.0611% | 2,861 |
| Loan and lease loss provision to assets | -0.0702% | 6,431 |
| Net operating income to assets | 2.6472% | 148 |
| Return on assets (ROA) | 2.0378% | 320 |
| Pretax return on assets | 2.0378% | 440 |
| Return on Equity (ROE) | 16.9993% | 501 |
| Retained earnings to average equity (ytd only) | -14.5544% | 6,611 |
| Net charge-offs to loans | -0.0063% | 5,953 |
| Credit loss provision to net charge-offs | 1,379.8000% | 182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1822% | 6,119 |
| Assets per employee ($millions) | 3.9443% | 3,976 |
| Cash dividends to net income (ytd only)* | 185.6176% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,214 |
| Loan loss allowance to noncurrent loans | 4.8595% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 18.6704% | 24 |
| Noncurrent loans to loans | 22.3618% | 10 |
| Net loans and leases to total assets | 79.9896% | 598 |
| Net loans and leases to deposits | 136.9064% | 28 |
| Net loans and leases to core deposits | 153.1451% | 85 |
| Total domestic deposits to total assets | 58.4265% | 6,719 |
| Equity capital to assets | 11.8212% | 1,931 |
| Core capital (leverage) ratio | 12.3666% | 1,417 |
| Tier 1 risk-based capital ratio | 16.9745% | 2,620 |
| Total risk-based capital ratio | 18.3448% | 2,542 |
| Memoranda: | ||
| Average total assets | $9,834,603,000 | 109 |
| Average earning assets | $8,477,819,800 | 114 |
| Average equity | $1,178,944,600 | 111 |
| Average total loans | $7,935,310,400 | 95 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3038% | 530 |
| Cost of funding earning assets | 1.2999% | 122 |
| Net interest margin | 4.0039% | 1,931 |
| Noninterest income to average assets | 2.3136% | 332 |
| Noninterest expense to average assets | 3.1967% | 2,380 |
| Loan and lease loss provision to assets | 0.0200% | 4,603 |
| Net operating income to assets | 2.5461% | 163 |
| Return on assets (ROA) | 2.6700% | 151 |
| Pretax return on assets | 2.6700% | 191 |
| Return on Equity (ROE) | 22.1984% | 198 |
| Retained earnings to average equity (ytd only) | -4.3538% | 6,464 |
| Net charge-offs to loans | 0.0042% | 5,107 |
| Credit loss provision to net charge-offs | 584.2520% | 483 |
| Earnings coverage of net charge-offs (x) | 749.7125% | 68 |
| Efficiency ratio | 55.3642% | 5,988 |
| Assets per employee ($millions) | 4.0605% | 3,720 |
| Cash dividends to net income (ytd only)* | 119.6130% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 5,026 |
| Loan loss allowance to noncurrent loans | 5.3787% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 18.4320% | 26 |
| Noncurrent loans to loans | 21.7339% | 16 |
| Net loans and leases to total assets | 80.8219% | 470 |
| Net loans and leases to deposits | 139.1549% | 24 |
| Net loans and leases to core deposits | 156.1487% | 79 |
| Total domestic deposits to total assets | 58.0805% | 6,797 |
| Equity capital to assets | 12.4716% | 1,596 |
| Core capital (leverage) ratio | 13.6455% | 972 |
| Tier 1 risk-based capital ratio | 17.8239% | 2,392 |
| Total risk-based capital ratio | 19.2068% | 2,307 |
| Memoranda: | ||
| Average total assets | $9,894,156,750 | 109 |
| Average earning assets | $8,523,368,500 | 115 |
| Average equity | $1,190,078,500 | 111 |
| Average total loans | $7,979,028,500 | 94 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3121% | 514 |
| Cost of funding earning assets | 1.3440% | 117 |
| Net interest margin | 3.9681% | 1,975 |
| Noninterest income to average assets | 2.6131% | 301 |
| Noninterest expense to average assets | 2.9749% | 3,076 |
| Loan and lease loss provision to assets | 0.0642% | 3,735 |
| Net operating income to assets | 2.9878% | 114 |
| Return on assets (ROA) | 3.1584% | 108 |
| Pretax return on assets | 3.1584% | 135 |
| Return on Equity (ROE) | 26.5733% | 103 |
| Retained earnings to average equity (ytd only) | 0.7913% | 5,580 |
| Net charge-offs to loans | 0.0466% | 4,027 |
| Credit loss provision to net charge-offs | 171.5356% | 1,374 |
| Earnings coverage of net charge-offs (x) | 81.5318% | 555 |
| Efficiency ratio | 49.2679% | 6,469 |
| Assets per employee ($millions) | 3.9679% | 3,878 |
| Cash dividends to net income (ytd only)* | 97.0221% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,182 |
| Loan loss allowance to noncurrent loans | 4.9101% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 20.0367% | 23 |
| Noncurrent loans to loans | 23.6980% | 10 |
| Net loans and leases to total assets | 80.7724% | 463 |
| Net loans and leases to deposits | 138.6675% | 25 |
| Net loans and leases to core deposits | 158.3650% | 74 |
| Total domestic deposits to total assets | 58.2490% | 6,846 |
| Equity capital to assets | 12.6517% | 1,498 |
| Core capital (leverage) ratio | 14.0013% | 823 |
| Tier 1 risk-based capital ratio | 18.6681% | 2,094 |
| Total risk-based capital ratio | 20.0583% | 2,009 |
| Memoranda: | ||
| Average total assets | $9,985,758,670 | 109 |
| Average earning assets | $8,590,887,670 | 112 |
| Average equity | $1,186,875,670 | 111 |
| Average total loans | $8,016,537,670 | 94 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3346% | 475 |
| Cost of funding earning assets | 1.3628% | 119 |
| Net interest margin | 3.9718% | 1,885 |
| Noninterest income to average assets | 2.3814% | 337 |
| Noninterest expense to average assets | 2.8409% | 3,570 |
| Loan and lease loss provision to assets | 0.1490% | 2,390 |
| Net operating income to assets | 2.8044% | 120 |
| Return on assets (ROA) | 2.8920% | 121 |
| Pretax return on assets | 2.8920% | 171 |
| Return on Equity (ROE) | 25.1047% | 124 |
| Retained earnings to average equity (ytd only) | -2.2958% | 6,112 |
| Net charge-offs to loans | 0.2402% | 2,011 |
| Credit loss provision to net charge-offs | 77.9360% | 2,181 |
| Earnings coverage of net charge-offs (x) | 15.4495% | 1,401 |
| Efficiency ratio | 48.9680% | 6,570 |
| Assets per employee ($millions) | 4.1927% | 3,548 |
| Cash dividends to net income (ytd only)* | 109.1450% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 5,631 |
| Loan loss allowance to noncurrent loans | 4.2936% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 20.7076% | 23 |
| Noncurrent loans to loans | 25.4697% | 8 |
| Net loans and leases to total assets | 77.8943% | 622 |
| Net loans and leases to deposits | 141.0296% | 27 |
| Net loans and leases to core deposits | 161.7797% | 69 |
| Total domestic deposits to total assets | 55.2326% | 6,938 |
| Equity capital to assets | 11.3445% | 2,588 |
| Core capital (leverage) ratio | 12.9324% | 1,140 |
| Tier 1 risk-based capital ratio | 18.3655% | 2,239 |
| Total risk-based capital ratio | 19.7122% | 2,173 |
| Memoranda: | ||
| Average total assets | $10,137,754,500 | 110 |
| Average earning assets | $8,711,474,000 | 115 |
| Average equity | $1,167,861,500 | 114 |
| Average total loans | $8,068,675,000 | 93 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 647 |
| Cost of funding earning assets | 1.6603% | 88 |
| Net interest margin | 3.8211% | 3,140 |
| Noninterest income to average assets | 2.1532% | 392 |
| Noninterest expense to average assets | 3.0074% | 3,242 |
| Loan and lease loss provision to assets | -0.1624% | 6,960 |
| Net operating income to assets | 2.5967% | 136 |
| Return on assets (ROA) | 2.7824% | 122 |
| Pretax return on assets | 2.7824% | 177 |
| Return on Equity (ROE) | 24.4676% | 138 |
| Retained earnings to average equity (ytd only) | 2.7190% | 4,323 |
| Net charge-offs to loans | 0.2550% | 3,414 |
| Credit loss provision to net charge-offs | -80.1390% | 6,311 |
| Earnings coverage of net charge-offs (x) | 12.0116% | 1,972 |
| Efficiency ratio | 55.2301% | 6,145 |
| Assets per employee ($millions) | 4.0933% | 3,753 |
| Cash dividends to net income (ytd only)* | 88.8873% | 730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 5,378 |
| Loan loss allowance to noncurrent loans | 4.2116% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 22.5335% | 16 |
| Noncurrent loans to loans | 27.1371% | 9 |
| Net loans and leases to total assets | 79.5516% | 514 |
| Net loans and leases to deposits | 138.2961% | 32 |
| Net loans and leases to core deposits | 159.9380% | 80 |
| Total domestic deposits to total assets | 57.5227% | 6,992 |
| Equity capital to assets | 11.7051% | 2,269 |
| Core capital (leverage) ratio | 13.7639% | 868 |
| Tier 1 risk-based capital ratio | 19.1651% | 1,913 |
| Total risk-based capital ratio | 20.6184% | 1,816 |
| Memoranda: | ||
| Average total assets | $9,865,789,000 | 110 |
| Average earning assets | $8,490,669,800 | 117 |
| Average equity | $1,121,911,000 | 117 |
| Average total loans | $7,841,275,600 | 94 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4879% | 696 |
| Cost of funding earning assets | 1.7084% | 83 |
| Net interest margin | 3.7796% | 3,424 |
| Noninterest income to average assets | 2.0157% | 417 |
| Noninterest expense to average assets | 2.9683% | 3,345 |
| Loan and lease loss provision to assets | -0.3030% | 7,116 |
| Net operating income to assets | 2.6085% | 151 |
| Return on assets (ROA) | 2.6211% | 158 |
| Pretax return on assets | 2.6211% | 247 |
| Return on Equity (ROE) | 23.2190% | 185 |
| Retained earnings to average equity (ytd only) | 1.9095% | 5,381 |
| Net charge-offs to loans | 0.3380% | 2,766 |
| Credit loss provision to net charge-offs | -113.1473% | 6,260 |
| Earnings coverage of net charge-offs (x) | 8.6101% | 2,422 |
| Efficiency ratio | 56.2439% | 6,027 |
| Assets per employee ($millions) | 4.5130% | 2,891 |
| Cash dividends to net income (ytd only)* | 91.7762% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 5,810 |
| Loan loss allowance to noncurrent loans | 3.8040% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 23.1408% | 18 |
| Noncurrent loans to loans | 28.3523% | 9 |
| Net loans and leases to total assets | 78.0719% | 722 |
| Net loans and leases to deposits | 133.3747% | 39 |
| Net loans and leases to core deposits | 155.6998% | 92 |
| Total domestic deposits to total assets | 58.5358% | 7,081 |
| Equity capital to assets | 11.4859% | 2,755 |
| Core capital (leverage) ratio | 13.5596% | 993 |
| Tier 1 risk-based capital ratio | 19.1530% | 1,961 |
| Total risk-based capital ratio | 20.4883% | 1,911 |
| Memoranda: | ||
| Average total assets | $9,865,999,750 | 110 |
| Average earning assets | $8,504,800,250 | 117 |
| Average equity | $1,113,714,500 | 118 |
| Average total loans | $7,816,980,750 | 95 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5686% | 613 |
| Cost of funding earning assets | 1.7715% | 78 |
| Net interest margin | 3.7971% | 3,379 |
| Noninterest income to average assets | 1.9982% | 407 |
| Noninterest expense to average assets | 2.8539% | 3,810 |
| Loan and lease loss provision to assets | -0.1316% | 7,124 |
| Net operating income to assets | 2.5533% | 159 |
| Return on assets (ROA) | 2.5805% | 176 |
| Pretax return on assets | 2.5805% | 271 |
| Return on Equity (ROE) | 22.9948% | 213 |
| Retained earnings to average equity (ytd only) | 3.2631% | 4,442 |
| Net charge-offs to loans | 0.4361% | 2,297 |
| Credit loss provision to net charge-offs | -38.0402% | 5,981 |
| Earnings coverage of net charge-offs (x) | 6.9990% | 2,539 |
| Efficiency ratio | 54.0552% | 6,310 |
| Assets per employee ($millions) | 4.4458% | 3,012 |
| Cash dividends to net income (ytd only)* | 85.8092% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,751 |
| Loan loss allowance to noncurrent loans | 4.8525% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 22.2007% | 28 |
| Noncurrent loans to loans | 27.3770% | 11 |
| Net loans and leases to total assets | 77.9003% | 733 |
| Net loans and leases to deposits | 127.4233% | 46 |
| Net loans and leases to core deposits | 155.8727% | 95 |
| Total domestic deposits to total assets | 61.1351% | 7,119 |
| Equity capital to assets | 11.3492% | 2,738 |
| Core capital (leverage) ratio | 13.6853% | 905 |
| Tier 1 risk-based capital ratio | 19.3732% | 1,882 |
| Total risk-based capital ratio | 20.8456% | 1,788 |
| Memoranda: | ||
| Average total assets | $9,845,127,000 | 109 |
| Average earning assets | $8,497,301,670 | 115 |
| Average equity | $1,104,822,670 | 118 |
| Average total loans | $7,810,649,000 | 93 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4970% | 759 |
| Cost of funding earning assets | 1.8137% | 81 |
| Net interest margin | 3.6833% | 3,910 |
| Noninterest income to average assets | 1.8499% | 464 |
| Noninterest expense to average assets | 2.8460% | 3,839 |
| Loan and lease loss provision to assets | -0.0184% | 7,117 |
| Net operating income to assets | 2.2050% | 291 |
| Return on assets (ROA) | 2.3175% | 283 |
| Pretax return on assets | 2.3175% | 443 |
| Return on Equity (ROE) | 20.7688% | 332 |
| Retained earnings to average equity (ytd only) | 1.8371% | 5,330 |
| Net charge-offs to loans | 0.5019% | 1,830 |
| Credit loss provision to net charge-offs | -4.6107% | 5,337 |
| Earnings coverage of net charge-offs (x) | 5.4783% | 2,363 |
| Efficiency ratio | 56.5076% | 6,077 |
| Assets per employee ($millions) | 4.4929% | 3,009 |
| Cash dividends to net income (ytd only)* | 91.1545% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 4,259 |
| Loan loss allowance to noncurrent loans | 5.4985% | 6,780 |
| Noncurrent assets plus other real estate owned to assets | 22.0061% | 33 |
| Noncurrent loans to loans | 26.9025% | 16 |
| Net loans and leases to total assets | 78.3367% | 555 |
| Net loans and leases to deposits | 122.3740% | 63 |
| Net loans and leases to core deposits | 153.7783% | 105 |
| Total domestic deposits to total assets | 64.0142% | 7,142 |
| Equity capital to assets | 11.3505% | 2,576 |
| Core capital (leverage) ratio | 13.4676% | 966 |
| Tier 1 risk-based capital ratio | 18.9634% | 1,997 |
| Total risk-based capital ratio | 20.4486% | 1,902 |
| Memoranda: | ||
| Average total assets | $9,846,219,500 | 109 |
| Average earning assets | $8,507,918,500 | 115 |
| Average equity | $1,098,688,500 | 116 |
| Average total loans | $7,830,513,500 | 92 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5769% | 997 |
| Cost of funding earning assets | 2.0129% | 92 |
| Net interest margin | 3.5641% | 4,874 |
| Noninterest income to average assets | 2.0098% | 375 |
| Noninterest expense to average assets | 2.9987% | 3,594 |
| Loan and lease loss provision to assets | -0.3166% | 7,319 |
| Net operating income to assets | 2.4421% | 146 |
| Return on assets (ROA) | 2.5329% | 135 |
| Pretax return on assets | 2.5329% | 196 |
| Return on Equity (ROE) | 24.5818% | 118 |
| Retained earnings to average equity (ytd only) | 13.7442% | 186 |
| Net charge-offs to loans | -0.0205% | 6,961 |
| Credit loss provision to net charge-offs | 1,983.0550% | 117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4687% | 5,993 |
| Assets per employee ($millions) | 4.6509% | 2,683 |
| Cash dividends to net income (ytd only)* | 44.0877% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6276% | 3,475 |
| Loan loss allowance to noncurrent loans | 6.1239% | 6,840 |
| Noncurrent assets plus other real estate owned to assets | 21.7242% | 38 |
| Noncurrent loans to loans | 26.5772% | 22 |
| Net loans and leases to total assets | 78.2489% | 683 |
| Net loans and leases to deposits | 121.4397% | 79 |
| Net loans and leases to core deposits | 156.8662% | 114 |
| Total domestic deposits to total assets | 64.4344% | 7,169 |
| Equity capital to assets | 10.9643% | 3,011 |
| Core capital (leverage) ratio | 13.5591% | 945 |
| Tier 1 risk-based capital ratio | 18.7780% | 1,963 |
| Total risk-based capital ratio | 20.2625% | 1,849 |
| Memoranda: | ||
| Average total assets | $10,127,961,800 | 105 |
| Average earning assets | $8,850,169,000 | 107 |
| Average equity | $1,043,593,400 | 121 |
| Average total loans | $7,892,245,400 | 89 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6654% | 904 |
| Cost of funding earning assets | 2.0538% | 96 |
| Net interest margin | 3.6116% | 4,718 |
| Noninterest income to average assets | 2.1138% | 352 |
| Noninterest expense to average assets | 2.9207% | 3,835 |
| Loan and lease loss provision to assets | -0.2257% | 7,388 |
| Net operating income to assets | 2.5822% | 135 |
| Return on assets (ROA) | 2.6034% | 140 |
| Pretax return on assets | 2.6034% | 206 |
| Return on Equity (ROE) | 25.6602% | 116 |
| Retained earnings to average equity (ytd only) | 15.2371% | 218 |
| Net charge-offs to loans | 0.1302% | 4,747 |
| Credit loss provision to net charge-offs | -223.6481% | 6,587 |
| Earnings coverage of net charge-offs (x) | 23.3502% | 1,119 |
| Efficiency ratio | 55.2916% | 6,363 |
| Assets per employee ($millions) | 4.8138% | 2,453 |
| Cash dividends to net income (ytd only)* | 40.6196% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7328% | 3,157 |
| Loan loss allowance to noncurrent loans | 7.2009% | 6,919 |
| Noncurrent assets plus other real estate owned to assets | 19.1489% | 67 |
| Noncurrent loans to loans | 24.0634% | 31 |
| Net loans and leases to total assets | 76.0330% | 971 |
| Net loans and leases to deposits | 120.7036% | 85 |
| Net loans and leases to core deposits | 162.7731% | 106 |
| Total domestic deposits to total assets | 62.9914% | 7,260 |
| Equity capital to assets | 10.5809% | 3,599 |
| Core capital (leverage) ratio | 13.2228% | 1,139 |
| Tier 1 risk-based capital ratio | 18.0769% | 2,224 |
| Total risk-based capital ratio | 19.5569% | 2,112 |
| Memoranda: | ||
| Average total assets | $10,212,403,750 | 104 |
| Average earning assets | $8,945,070,750 | 107 |
| Average equity | $1,036,135,250 | 122 |
| Average total loans | $7,918,440,750 | 89 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6863% | 898 |
| Cost of funding earning assets | 2.0679% | 115 |
| Net interest margin | 3.6184% | 4,651 |
| Noninterest income to average assets | 2.0595% | 347 |
| Noninterest expense to average assets | 2.9383% | 3,869 |
| Loan and lease loss provision to assets | -0.1230% | 7,431 |
| Net operating income to assets | 2.4262% | 183 |
| Return on assets (ROA) | 2.3775% | 203 |
| Pretax return on assets | 2.3775% | 294 |
| Return on Equity (ROE) | 23.7574% | 167 |
| Retained earnings to average equity (ytd only) | 13.8909% | 325 |
| Net charge-offs to loans | 0.4067% | 2,923 |
| Credit loss provision to net charge-offs | -38.9853% | 6,232 |
| Earnings coverage of net charge-offs (x) | 7.2980% | 2,249 |
| Efficiency ratio | 56.0023% | 6,424 |
| Assets per employee ($millions) | 4.9854% | 2,147 |
| Cash dividends to net income (ytd only)* | 41.5303% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7608% | 3,117 |
| Loan loss allowance to noncurrent loans | 7.5358% | 6,975 |
| Noncurrent assets plus other real estate owned to assets | 18.6812% | 82 |
| Noncurrent loans to loans | 23.3663% | 37 |
| Net loans and leases to total assets | 76.0793% | 1,061 |
| Net loans and leases to deposits | 118.8367% | 94 |
| Net loans and leases to core deposits | 167.5901% | 105 |
| Total domestic deposits to total assets | 64.0200% | 7,315 |
| Equity capital to assets | 10.8705% | 3,101 |
| Core capital (leverage) ratio | 12.7473% | 1,271 |
| Tier 1 risk-based capital ratio | 17.6666% | 2,278 |
| Total risk-based capital ratio | 19.1508% | 2,161 |
| Memoranda: | ||
| Average total assets | $10,330,314,000 | 107 |
| Average earning assets | $9,084,246,670 | 107 |
| Average equity | $1,033,801,330 | 120 |
| Average total loans | $8,015,248,670 | 90 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7259% | 840 |
| Cost of funding earning assets | 2.0806% | 132 |
| Net interest margin | 3.6453% | 4,351 |
| Noninterest income to average assets | 1.8688% | 403 |
| Noninterest expense to average assets | 2.9513% | 3,848 |
| Loan and lease loss provision to assets | 0.0412% | 5,473 |
| Net operating income to assets | 2.0809% | 311 |
| Return on assets (ROA) | 2.0401% | 344 |
| Pretax return on assets | 2.0401% | 523 |
| Return on Equity (ROE) | 21.2418% | 282 |
| Retained earnings to average equity (ytd only) | 11.2265% | 856 |
| Net charge-offs to loans | 0.5974% | 1,999 |
| Credit loss provision to net charge-offs | 8.8891% | 4,392 |
| Earnings coverage of net charge-offs (x) | 4.5742% | 2,441 |
| Efficiency ratio | 58.1142% | 6,254 |
| Assets per employee ($millions) | 5.5039% | 1,575 |
| Cash dividends to net income (ytd only)* | 47.1488% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8144% | 2,967 |
| Loan loss allowance to noncurrent loans | 7.3232% | 7,032 |
| Noncurrent assets plus other real estate owned to assets | 20.0580% | 63 |
| Noncurrent loans to loans | 24.7756% | 36 |
| Net loans and leases to total assets | 76.4558% | 972 |
| Net loans and leases to deposits | 123.2277% | 75 |
| Net loans and leases to core deposits | 179.4284% | 93 |
| Total domestic deposits to total assets | 62.0443% | 7,404 |
| Equity capital to assets | 10.1234% | 3,625 |
| Core capital (leverage) ratio | 11.7577% | 1,701 |
| Tier 1 risk-based capital ratio | 16.3191% | 2,743 |
| Total risk-based capital ratio | 17.7898% | 2,620 |
| Memoranda: | ||
| Average total assets | $10,562,403,500 | 106 |
| Average earning assets | $9,285,704,500 | 104 |
| Average equity | $1,014,454,000 | 122 |
| Average total loans | $8,202,562,500 | 88 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7353% | 1,452 |
| Cost of funding earning assets | 2.3182% | 198 |
| Net interest margin | 3.4172% | 5,565 |
| Noninterest income to average assets | 1.7390% | 497 |
| Noninterest expense to average assets | 2.4722% | 5,885 |
| Loan and lease loss provision to assets | 0.5574% | 2,901 |
| Net operating income to assets | 1.6946% | 525 |
| Return on assets (ROA) | 1.4911% | 842 |
| Pretax return on assets | 1.4911% | 1,404 |
| Return on Equity (ROE) | 20.4711% | 229 |
| Retained earnings to average equity (ytd only) | 17.0845% | 83 |
| Net charge-offs to loans | 0.7858% | 2,672 |
| Credit loss provision to net charge-offs | 90.3358% | 5,116 |
| Earnings coverage of net charge-offs (x) | 3.6499% | 3,255 |
| Efficiency ratio | 52.2620% | 6,970 |
| Assets per employee ($millions) | 5.7051% | 1,416 |
| Cash dividends to net income (ytd only)* | 16.5435% | 3,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 2,610 |
| Loan loss allowance to noncurrent loans | 7.2898% | 7,109 |
| Noncurrent assets plus other real estate owned to assets | 20.8794% | 59 |
| Noncurrent loans to loans | 25.8052% | 35 |
| Net loans and leases to total assets | 75.9994% | 1,273 |
| Net loans and leases to deposits | 126.2634% | 85 |
| Net loans and leases to core deposits | 191.0286% | 91 |
| Total domestic deposits to total assets | 60.1911% | 7,504 |
| Equity capital to assets | 9.1071% | 4,984 |
| Core capital (leverage) ratio | 11.0023% | 2,164 |
| Tier 1 risk-based capital ratio | 15.2615% | 3,122 |
| Total risk-based capital ratio | 16.7161% | 2,974 |
| Memoranda: | ||
| Average total assets | $11,756,249,600 | 91 |
| Average earning assets | $10,269,909,000 | 93 |
| Average equity | $856,303,600 | 131 |
| Average total loans | $9,230,611,000 | 81 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7139% | 1,672 |
| Cost of funding earning assets | 2.3542% | 226 |
| Net interest margin | 3.3596% | 5,806 |
| Noninterest income to average assets | 1.7372% | 478 |
| Noninterest expense to average assets | 2.4623% | 5,848 |
| Loan and lease loss provision to assets | 0.7998% | 1,899 |
| Net operating income to assets | 1.4075% | 1,089 |
| Return on assets (ROA) | 1.1595% | 1,804 |
| Pretax return on assets | 1.1595% | 2,639 |
| Return on Equity (ROE) | 16.8684% | 602 |
| Retained earnings to average equity (ytd only) | 16.8684% | 143 |
| Net charge-offs to loans | 0.7457% | 2,561 |
| Credit loss provision to net charge-offs | 136.1926% | 2,943 |
| Earnings coverage of net charge-offs (x) | 3.7587% | 3,309 |
| Efficiency ratio | 52.6577% | 6,921 |
| Assets per employee ($millions) | 6.0096% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0795% | 2,048 |
| Loan loss allowance to noncurrent loans | 8.4406% | 7,200 |
| Noncurrent assets plus other real estate owned to assets | 20.3254% | 57 |
| Noncurrent loans to loans | 24.6370% | 30 |
| Net loans and leases to total assets | 77.3560% | 1,153 |
| Net loans and leases to deposits | 124.6318% | 92 |
| Net loans and leases to core deposits | 207.7999% | 82 |
| Total domestic deposits to total assets | 62.0676% | 7,556 |
| Equity capital to assets | 7.7439% | 6,973 |
| Core capital (leverage) ratio | 10.2668% | 2,960 |
| Tier 1 risk-based capital ratio | 13.7587% | 4,016 |
| Total risk-based capital ratio | 15.1867% | 3,843 |
| Memoranda: | ||
| Average total assets | $11,998,207,000 | 90 |
| Average earning assets | $10,472,367,750 | 91 |
| Average equity | $824,750,500 | 132 |
| Average total loans | $9,449,182,250 | 77 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6880% | 1,813 |
| Cost of funding earning assets | 2.3770% | 254 |
| Net interest margin | 3.3110% | 5,978 |
| Noninterest income to average assets | 1.5894% | 515 |
| Noninterest expense to average assets | 2.3138% | 6,317 |
| Loan and lease loss provision to assets | 1.1871% | 1,181 |
| Net operating income to assets | 0.9693% | 2,298 |
| Return on assets (ROA) | 0.6068% | 3,988 |
| Pretax return on assets | 0.6068% | 4,549 |
| Return on Equity (ROE) | 9.1797% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.1797% | 1,057 |
| Net charge-offs to loans | 1.1411% | 1,665 |
| Credit loss provision to net charge-offs | 132.2272% | 3,047 |
| Earnings coverage of net charge-offs (x) | 2.4019% | 3,796 |
| Efficiency ratio | 51.6831% | 7,103 |
| Assets per employee ($millions) | 6.1546% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9810% | 2,228 |
| Loan loss allowance to noncurrent loans | 8.3582% | 7,282 |
| Noncurrent assets plus other real estate owned to assets | 19.3498% | 62 |
| Noncurrent loans to loans | 23.7011% | 39 |
| Net loans and leases to total assets | 77.0361% | 1,286 |
| Net loans and leases to deposits | 120.3878% | 115 |
| Net loans and leases to core deposits | 219.4350% | 79 |
| Total domestic deposits to total assets | 63.9899% | 7,586 |
| Equity capital to assets | 7.0576% | 7,326 |
| Core capital (leverage) ratio | 9.2340% | 4,241 |
| Tier 1 risk-based capital ratio | 12.6368% | 4,745 |
| Total risk-based capital ratio | 14.0381% | 4,585 |
| Memoranda: | ||
| Average total assets | $12,277,678,330 | 88 |
| Average earning assets | $10,682,966,670 | 88 |
| Average equity | $811,599,000 | 132 |
| Average total loans | $9,660,209,000 | 75 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7058% | 1,755 |
| Cost of funding earning assets | 2.3901% | 312 |
| Net interest margin | 3.3156% | 5,910 |
| Noninterest income to average assets | 1.3062% | 707 |
| Noninterest expense to average assets | 2.1990% | 6,692 |
| Loan and lease loss provision to assets | 2.3161% | 464 |
| Net operating income to assets | -0.3482% | 6,709 |
| Return on assets (ROA) | -0.8771% | 7,077 |
| Pretax return on assets | -0.8771% | 6,992 |
| Return on Equity (ROE) | -13.6989% | 7,283 |
| Retained earnings to average equity (ytd only) | -13.6989% | 7,160 |
| Net charge-offs to loans | 1.3405% | 1,284 |
| Credit loss provision to net charge-offs | 219.4820% | 1,715 |
| Earnings coverage of net charge-offs (x) | 1.8648% | 3,616 |
| Efficiency ratio | 52.6925% | 7,083 |
| Assets per employee ($millions) | 6.3185% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1011% | 1,953 |
| Loan loss allowance to noncurrent loans | 8.8431% | 7,350 |
| Noncurrent assets plus other real estate owned to assets | 19.4095% | 60 |
| Noncurrent loans to loans | 23.7602% | 45 |
| Net loans and leases to total assets | 77.0422% | 1,318 |
| Net loans and leases to deposits | 118.0067% | 166 |
| Net loans and leases to core deposits | 231.8371% | 80 |
| Total domestic deposits to total assets | 65.2863% | 7,641 |
| Equity capital to assets | 6.4400% | 7,538 |
| Core capital (leverage) ratio | 8.2142% | 5,889 |
| Tier 1 risk-based capital ratio | 11.2133% | 5,943 |
| Total risk-based capital ratio | 12.5993% | 5,786 |
| Memoranda: | ||
| Average total assets | $12,572,720,000 | 82 |
| Average earning assets | $10,847,558,500 | 86 |
| Average equity | $804,968,500 | 132 |
| Average total loans | $9,897,496,500 | 71 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6244% | 3,472 |
| Cost of funding earning assets | 2.3478% | 1,464 |
| Net interest margin | 3.2766% | 5,832 |
| Noninterest income to average assets | 1.2091% | 1,053 |
| Noninterest expense to average assets | 1.7771% | 7,633 |
| Loan and lease loss provision to assets | 1.9100% | 1,162 |
| Net operating income to assets | 0.4725% | 3,847 |
| Return on assets (ROA) | 0.4999% | 3,825 |
| Pretax return on assets | 0.4999% | 4,185 |
| Return on Equity (ROE) | 9.3345% | 1,910 |
| Retained earnings to average equity (ytd only) | -1.7099% | 5,438 |
| Net charge-offs to loans | 1.8954% | 1,308 |
| Credit loss provision to net charge-offs | 137.9679% | 3,558 |
| Earnings coverage of net charge-offs (x) | 1.7210% | 4,447 |
| Efficiency ratio | 42.6982% | 7,808 |
| Assets per employee ($millions) | 6.4901% | 992 |
| Cash dividends to net income (ytd only)* | 118.3178% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 3,173 |
| Loan loss allowance to noncurrent loans | 6.8710% | 7,407 |
| Noncurrent assets plus other real estate owned to assets | 19.1954% | 63 |
| Noncurrent loans to loans | 23.6762% | 43 |
| Net loans and leases to total assets | 77.4662% | 1,490 |
| Net loans and leases to deposits | 122.4097% | 143 |
| Net loans and leases to core deposits | 134.8955% | 1,008 |
| Total domestic deposits to total assets | 63.2844% | 7,727 |
| Equity capital to assets | 6.3664% | 7,597 |
| Core capital (leverage) ratio | 8.1059% | 5,981 |
| Tier 1 risk-based capital ratio | 10.9703% | 5,938 |
| Total risk-based capital ratio | 12.3296% | 5,803 |
| Memoranda: | ||
| Average total assets | $13,997,913,600 | 77 |
| Average earning assets | $12,604,867,200 | 75 |
| Average equity | $749,698,800 | 132 |
| Average total loans | $10,223,855,800 | 69 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6052% | 3,834 |
| Cost of funding earning assets | 2.3400% | 1,845 |
| Net interest margin | 3.2651% | 5,773 |
| Noninterest income to average assets | 1.1080% | 1,285 |
| Noninterest expense to average assets | 1.6159% | 7,820 |
| Loan and lease loss provision to assets | 1.6593% | 1,132 |
| Net operating income to assets | 0.7956% | 2,834 |
| Return on assets (ROA) | 0.9047% | 2,476 |
| Pretax return on assets | 0.9047% | 3,212 |
| Return on Equity (ROE) | 17.6383% | 487 |
| Retained earnings to average equity (ytd only) | 8.9450% | 853 |
| Net charge-offs to loans | 1.8263% | 1,104 |
| Credit loss provision to net charge-offs | 126.6144% | 3,970 |
| Earnings coverage of net charge-offs (x) | 1.8733% | 4,404 |
| Efficiency ratio | 39.6865% | 7,931 |
| Assets per employee ($millions) | 7.0102% | 793 |
| Cash dividends to net income (ytd only)* | 49.2865% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2057% | 5,071 |
| Loan loss allowance to noncurrent loans | 5.6473% | 7,504 |
| Noncurrent assets plus other real estate owned to assets | 17.1529% | 79 |
| Noncurrent loans to loans | 21.3492% | 55 |
| Net loans and leases to total assets | 78.3050% | 1,516 |
| Net loans and leases to deposits | 128.5209% | 116 |
| Net loans and leases to core deposits | 137.6305% | 1,029 |
| Total domestic deposits to total assets | 60.9279% | 7,854 |
| Equity capital to assets | 6.0565% | 7,851 |
| Core capital (leverage) ratio | 8.2437% | 5,933 |
| Tier 1 risk-based capital ratio | 10.9000% | 6,053 |
| Total risk-based capital ratio | 12.1499% | 6,013 |
| Memoranda: | ||
| Average total assets | $14,292,892,250 | 81 |
| Average earning assets | $12,969,311,750 | 77 |
| Average equity | $733,112,250 | 138 |
| Average total loans | $10,256,363,000 | 72 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4513% | 4,889 |
| Cost of funding earning assets | 2.3274% | 2,247 |
| Net interest margin | 3.1239% | 6,170 |
| Noninterest income to average assets | 1.1871% | 1,109 |
| Noninterest expense to average assets | 1.5622% | 7,936 |
| Loan and lease loss provision to assets | 0.9149% | 1,846 |
| Net operating income to assets | 1.5493% | 757 |
| Return on assets (ROA) | 1.1279% | 1,755 |
| Pretax return on assets | 1.1279% | 2,545 |
| Return on Equity (ROE) | 23.2773% | 185 |
| Retained earnings to average equity (ytd only) | 15.4135% | 186 |
| Net charge-offs to loans | 0.9112% | 1,883 |
| Credit loss provision to net charge-offs | 144.5525% | 3,207 |
| Earnings coverage of net charge-offs (x) | 3.8934% | 3,283 |
| Efficiency ratio | 38.7987% | 8,043 |
| Assets per employee ($millions) | 7.7019% | 560 |
| Cash dividends to net income (ytd only)* | 33.7834% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 5,879 |
| Loan loss allowance to noncurrent loans | 5.4827% | 7,540 |
| Noncurrent assets plus other real estate owned to assets | 14.0279% | 120 |
| Noncurrent loans to loans | 19.2328% | 62 |
| Net loans and leases to total assets | 71.1159% | 3,441 |
| Net loans and leases to deposits | 130.9660% | 116 |
| Net loans and leases to core deposits | 138.9248% | 1,060 |
| Total domestic deposits to total assets | 54.3011% | 8,023 |
| Equity capital to assets | 5.7834% | 7,962 |
| Core capital (leverage) ratio | 7.5863% | 6,919 |
| Tier 1 risk-based capital ratio | 10.8664% | 6,012 |
| Total risk-based capital ratio | 11.9422% | 6,131 |
| Memoranda: | ||
| Average total assets | $14,591,697,330 | 82 |
| Average earning assets | $13,262,040,670 | 80 |
| Average equity | $707,031,330 | 146 |
| Average total loans | $10,135,772,670 | 77 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4124% | 5,361 |
| Cost of funding earning assets | 2.3911% | 2,331 |
| Net interest margin | 3.0214% | 6,420 |
| Noninterest income to average assets | 1.6097% | 530 |
| Noninterest expense to average assets | 1.7921% | 7,709 |
| Loan and lease loss provision to assets | 0.9497% | 1,371 |
| Net operating income to assets | 1.6135% | 767 |
| Return on assets (ROA) | 1.4212% | 1,182 |
| Pretax return on assets | 1.4212% | 1,907 |
| Return on Equity (ROE) | 32.5035% | 77 |
| Retained earnings to average equity (ytd only) | 15.0268% | 412 |
| Net charge-offs to loans | 1.0492% | 1,290 |
| Credit loss provision to net charge-offs | 132.6397% | 3,047 |
| Earnings coverage of net charge-offs (x) | 3.5799% | 3,131 |
| Efficiency ratio | 41.1477% | 8,020 |
| Assets per employee ($millions) | 7.9548% | 515 |
| Cash dividends to net income (ytd only)* | 53.7686% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 6,205 |
| Loan loss allowance to noncurrent loans | 6.4380% | 7,542 |
| Noncurrent assets plus other real estate owned to assets | 10.7257% | 189 |
| Noncurrent loans to loans | 15.4912% | 90 |
| Net loans and leases to total assets | 68.0824% | 4,121 |
| Net loans and leases to deposits | 127.7071% | 167 |
| Net loans and leases to core deposits | 135.7177% | 1,327 |
| Total domestic deposits to total assets | 53.3114% | 8,077 |
| Equity capital to assets | 4.7902% | 8,129 |
| Core capital (leverage) ratio | 7.4884% | 7,171 |
| Tier 1 risk-based capital ratio | 10.8119% | 6,082 |
| Total risk-based capital ratio | 11.7929% | 6,260 |
| Memoranda: | ||
| Average total assets | $14,551,484,000 | 85 |
| Average earning assets | $13,223,887,500 | 82 |
| Average equity | $636,276,000 | 155 |
| Average total loans | $9,930,951,500 | 82 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2001% | 4,516 |
| Cost of funding earning assets | 3.1593% | 1,322 |
| Net interest margin | 3.0408% | 6,812 |
| Noninterest income to average assets | 0.8771% | 2,068 |
| Noninterest expense to average assets | 1.5683% | 7,990 |
| Loan and lease loss provision to assets | 0.1940% | 4,939 |
| Net operating income to assets | 1.9055% | 424 |
| Return on assets (ROA) | 1.9674% | 368 |
| Pretax return on assets | 1.9674% | 668 |
| Return on Equity (ROE) | 34.5348% | 30 |
| Retained earnings to average equity (ytd only) | 20.2438% | 32 |
| Net charge-offs to loans | 0.5619% | 2,131 |
| Credit loss provision to net charge-offs | 53.9689% | 6,305 |
| Earnings coverage of net charge-offs (x) | 5.8412% | 3,514 |
| Efficiency ratio | 42.7589% | 8,051 |
| Assets per employee ($millions) | 8.4628% | 405 |
| Cash dividends to net income (ytd only)* | 41.3815% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 6,601 |
| Loan loss allowance to noncurrent loans | 6.1290% | 7,538 |
| Noncurrent assets plus other real estate owned to assets | 10.1141% | 152 |
| Noncurrent loans to loans | 14.9026% | 70 |
| Net loans and leases to total assets | 67.1140% | 4,616 |
| Net loans and leases to deposits | 128.7200% | 231 |
| Net loans and leases to core deposits | 138.6538% | 1,333 |
| Total domestic deposits to total assets | 52.1395% | 8,109 |
| Equity capital to assets | 3.9606% | 8,250 |
| Core capital (leverage) ratio | 7.1288% | 7,589 |
| Tier 1 risk-based capital ratio | 11.3192% | 5,419 |
| Total risk-based capital ratio | 12.2908% | 5,580 |
| Memoranda: | ||
| Average total assets | $14,125,637,600 | 86 |
| Average earning assets | $12,963,232,200 | 85 |
| Average equity | $804,701,000 | 136 |
| Average total loans | $9,035,407,400 | 89 |