Home > Morgan Stanley Private Bank > Performance and Condition Ratios
Morgan Stanley Private Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 3,624 |
| Cost of funding earning assets | 2.2770% | 564 |
| Net interest margin | 1.9219% | 4,434 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 0.5506% | 4,534 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0897% | 1,951 |
| Return on assets (ROA) | 1.0897% | 1,923 |
| Pretax return on assets | 1.4745% | 1,482 |
| Return on Equity (ROE) | 13.5200% | 1,599 |
| Retained earnings to average equity (ytd only) | -2.1995% | 4,284 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 26.1439% | 4,511 |
| Assets per employee ($millions) | 159.9630% | 12 |
| Cash dividends to net income (ytd only)* | 116.2631% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2155% | 4,444 |
| Loan loss allowance to noncurrent loans | 107.4627% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 2,644 |
| Noncurrent loans to loans | 0.2006% | 2,508 |
| Net loans and leases to total assets | 65.5800% | 2,300 |
| Net loans and leases to deposits | 71.9477% | 2,756 |
| Net loans and leases to core deposits | 85.9332% | 2,310 |
| Total domestic deposits to total assets | 91.1500% | 464 |
| Equity capital to assets | 7.7786% | 3,559 |
| Core capital (leverage) ratio | 7.4785% | 4,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2987% | 333 |
| Memoranda: | ||
| Average total assets | $200,876,400,000 | 17 |
| Average earning assets | $196,839,200,000 | 15 |
| Average equity | $16,185,800,000 | 18 |
| Average total loans | $131,003,600,000 | 14 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 3,682 |
| Cost of funding earning assets | 2.1022% | 590 |
| Net interest margin | 1.9874% | 4,445 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 0.4787% | 4,561 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.2017% | 1,797 |
| Return on assets (ROA) | 1.2017% | 1,783 |
| Pretax return on assets | 1.5772% | 1,406 |
| Return on Equity (ROE) | 14.7800% | 1,485 |
| Retained earnings to average equity (ytd only) | 3.1697% | 3,472 |
| Net charge-offs to loans | -0.0010% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 22.0093% | 4,546 |
| Assets per employee ($millions) | 154.2525% | 12 |
| Cash dividends to net income (ytd only)* | 78.5596% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2268% | 4,461 |
| Loan loss allowance to noncurrent loans | 136.1991% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 2,829 |
| Noncurrent loans to loans | 0.1665% | 2,705 |
| Net loans and leases to total assets | 66.6900% | 2,182 |
| Net loans and leases to deposits | 73.5252% | 2,608 |
| Net loans and leases to core deposits | 90.5008% | 1,899 |
| Total domestic deposits to total assets | 90.7100% | 741 |
| Equity capital to assets | 8.2812% | 2,864 |
| Core capital (leverage) ratio | 7.9835% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3774% | 305 |
| Memoranda: | ||
| Average total assets | $200,267,250,000 | 18 |
| Average earning assets | $196,301,750,000 | 17 |
| Average equity | $16,278,500,000 | 19 |
| Average total loans | $130,347,500,000 | 15 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 4,033 |
| Cost of funding earning assets | 1.8567% | 666 |
| Net interest margin | 1.9329% | 4,514 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 0.4849% | 4,592 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.2726% | 1,639 |
| Return on assets (ROA) | 1.2726% | 1,628 |
| Pretax return on assets | 1.6709% | 1,273 |
| Return on Equity (ROE) | 15.7500% | 1,315 |
| Retained earnings to average equity (ytd only) | -1.7258% | 4,274 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 21.2148% | 4,572 |
| Assets per employee ($millions) | 145.2246% | 14 |
| Cash dividends to net income (ytd only)* | 110.9546% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1998% | 4,501 |
| Loan loss allowance to noncurrent loans | 171.0526% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 2,999 |
| Noncurrent loans to loans | 0.1168% | 2,894 |
| Net loans and leases to total assets | 65.8400% | 2,174 |
| Net loans and leases to deposits | 72.2229% | 2,637 |
| Net loans and leases to core deposits | 88.0512% | 1,925 |
| Total domestic deposits to total assets | 91.1600% | 606 |
| Equity capital to assets | 8.0785% | 3,160 |
| Core capital (leverage) ratio | 7.7538% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8889% | 318 |
| Memoranda: | ||
| Average total assets | $200,848,666,667 | 18 |
| Average earning assets | $196,910,333,333 | 16 |
| Average equity | $16,224,666,667 | 19 |
| Average total loans | $129,563,333,333 | 15 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6548% | 4,093 |
| Cost of funding earning assets | 1.6402% | 645 |
| Net interest margin | 2.0146% | 4,559 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 0.4796% | 4,663 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.3382% | 1,575 |
| Return on assets (ROA) | 1.3382% | 1,542 |
| Pretax return on assets | 1.7586% | 1,151 |
| Return on Equity (ROE) | 16.5700% | 1,247 |
| Retained earnings to average equity (ytd only) | 16.5659% | 633 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 20.4584% | 4,642 |
| Assets per employee ($millions) | 148.0083% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1530% | 4,567 |
| Loan loss allowance to noncurrent loans | 115.8824% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 2,910 |
| Noncurrent loans to loans | 0.1321% | 2,852 |
| Net loans and leases to total assets | 65.6900% | 2,094 |
| Net loans and leases to deposits | 72.4927% | 2,430 |
| Net loans and leases to core deposits | 84.6858% | 1,945 |
| Total domestic deposits to total assets | 90.6100% | 940 |
| Equity capital to assets | 8.5712% | 2,837 |
| Core capital (leverage) ratio | 8.0759% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6400% | 281 |
| Memoranda: | ||
| Average total assets | $202,665,500,000 | 19 |
| Average earning assets | $198,750,500,000 | 16 |
| Average equity | $16,371,000,000 | 20 |
| Average total loans | $129,293,500,000 | 16 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3592% | 4,544 |
| Cost of funding earning assets | 0.4379% | 1,804 |
| Net interest margin | 1.9213% | 4,575 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 0.4217% | 4,693 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.2881% | 1,475 |
| Return on assets (ROA) | 1.2978% | 1,400 |
| Pretax return on assets | 1.6958% | 928 |
| Return on Equity (ROE) | 16.4100% | 979 |
| Retained earnings to average equity (ytd only) | -0.8717% | 4,442 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 19.5285% | 4,690 |
| Assets per employee ($millions) | 162.0278% | 12 |
| Cash dividends to net income (ytd only)* | 105.3114% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1201% | 4,593 |
| Loan loss allowance to noncurrent loans | 125.8065% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 3,185 |
| Noncurrent loans to loans | 0.0955% | 3,081 |
| Net loans and leases to total assets | 61.8600% | 2,454 |
| Net loans and leases to deposits | 67.4631% | 2,771 |
| Net loans and leases to core deposits | 75.3044% | 2,478 |
| Total domestic deposits to total assets | 91.7000% | 716 |
| Equity capital to assets | 7.6174% | 3,317 |
| Core capital (leverage) ratio | 7.6318% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7851% | 286 |
| Memoranda: | ||
| Average total assets | $210,348,152,800 | 16 |
| Average earning assets | $206,681,862,400 | 14 |
| Average equity | $16,633,336,800 | 20 |
| Average total loans | $128,375,324,800 | 14 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0889% | 4,590 |
| Cost of funding earning assets | 0.2107% | 3,140 |
| Net interest margin | 1.8782% | 4,590 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 0.4123% | 4,735 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2467% | 1,534 |
| Return on assets (ROA) | 1.2597% | 1,462 |
| Pretax return on assets | 1.6517% | 999 |
| Return on Equity (ROE) | 15.7900% | 1,016 |
| Retained earnings to average equity (ytd only) | 3.8811% | 3,482 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 19.6401% | 4,725 |
| Assets per employee ($millions) | 153.8627% | 13 |
| Cash dividends to net income (ytd only)* | 75.4148% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1093% | 4,636 |
| Loan loss allowance to noncurrent loans | 117.5000% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,247 |
| Noncurrent loans to loans | 0.0930% | 3,215 |
| Net loans and leases to total assets | 66.1200% | 1,878 |
| Net loans and leases to deposits | 72.7534% | 2,152 |
| Net loans and leases to core deposits | 77.6022% | 2,067 |
| Total domestic deposits to total assets | 90.8800% | 1,288 |
| Equity capital to assets | 8.5014% | 2,547 |
| Core capital (leverage) ratio | 8.1054% | 4,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2412% | 267 |
| Memoranda: | ||
| Average total assets | $210,519,191,000 | 15 |
| Average earning assets | $206,931,578,000 | 14 |
| Average equity | $16,798,921,000 | 20 |
| Average total loans | $128,003,156,000 | 13 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8331% | 4,660 |
| Cost of funding earning assets | 0.0886% | 4,303 |
| Net interest margin | 1.7445% | 4,645 |
| Noninterest income to average assets | 0.2170% | 3,902 |
| Noninterest expense to average assets | 0.3894% | 4,760 |
| Loan and lease loss provision to assets | 0.0334% | 1,989 |
| Net operating income to assets | 1.1566% | 1,580 |
| Return on assets (ROA) | 1.1756% | 1,492 |
| Pretax return on assets | 1.5345% | 1,090 |
| Return on Equity (ROE) | 15.0288% | 884 |
| Retained earnings to average equity (ytd only) | -2.7498% | 4,438 |
| Net charge-offs to loans | 0.0016% | 2,064 |
| Credit loss provision to net charge-offs | 3,400.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 1,665.0000% | 67 |
| Efficiency ratio | 19.9041% | 4,755 |
| Assets per employee ($millions) | 192.5694% | 10 |
| Cash dividends to net income (ytd only)* | 118.2965% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1029% | 4,704 |
| Loan loss allowance to noncurrent loans | 45.1389% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 2,717 |
| Noncurrent loans to loans | 0.2280% | 2,581 |
| Net loans and leases to total assets | 63.1252% | 2,004 |
| Net loans and leases to deposits | 69.0900% | 2,296 |
| Net loans and leases to core deposits | 71.9834% | 2,337 |
| Total domestic deposits to total assets | 91.3666% | 1,076 |
| Equity capital to assets | 8.0275% | 3,104 |
| Core capital (leverage) ratio | 7.8054% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8463% | 224 |
| Memoranda: | ||
| Average total assets | $215,710,921,333 | 14 |
| Average earning assets | $212,208,104,000 | 14 |
| Average equity | $16,874,228,000 | 20 |
| Average total loans | $127,657,874,667 | 13 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6657% | 4,687 |
| Cost of funding earning assets | 0.0564% | 4,556 |
| Net interest margin | 1.6093% | 4,668 |
| Noninterest income to average assets | 0.2093% | 3,905 |
| Noninterest expense to average assets | 0.3631% | 4,787 |
| Loan and lease loss provision to assets | 0.0268% | 1,884 |
| Net operating income to assets | 1.0711% | 1,618 |
| Return on assets (ROA) | 1.0965% | 1,531 |
| Pretax return on assets | 1.4346% | 1,165 |
| Return on Equity (ROE) | 14.1830% | 801 |
| Retained earnings to average equity (ytd only) | -20.5225% | 4,704 |
| Net charge-offs to loans | 0.0031% | 1,673 |
| Credit loss provision to net charge-offs | 1,400.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 799.0000% | 117 |
| Efficiency ratio | 20.0599% | 4,778 |
| Assets per employee ($millions) | 196.4363% | 10 |
| Cash dividends to net income (ytd only)* | 244.6982% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0923% | 4,733 |
| Loan loss allowance to noncurrent loans | 42.4710% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 2,894 |
| Noncurrent loans to loans | 0.2172% | 2,728 |
| Net loans and leases to total assets | 58.5368% | 2,240 |
| Net loans and leases to deposits | 63.8922% | 2,537 |
| Net loans and leases to core deposits | 65.8004% | 2,647 |
| Total domestic deposits to total assets | 91.6180% | 744 |
| Equity capital to assets | 7.6552% | 3,826 |
| Core capital (leverage) ratio | 7.4397% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.5820% | 234 |
| Memoranda: | ||
| Average total assets | $223,622,882,000 | 14 |
| Average earning assets | $219,972,156,000 | 14 |
| Average equity | $17,288,342,000 | 19 |
| Average total loans | $128,332,312,000 | 13 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9251% | 4,690 |
| Cost of funding earning assets | 0.1570% | 3,899 |
| Net interest margin | 1.7681% | 4,673 |
| Noninterest income to average assets | 0.2038% | 4,146 |
| Noninterest expense to average assets | 0.4898% | 4,809 |
| Loan and lease loss provision to assets | 0.0007% | 3,052 |
| Net operating income to assets | 1.1204% | 2,210 |
| Return on assets (ROA) | 1.1204% | 2,271 |
| Pretax return on assets | 1.4636% | 1,842 |
| Return on Equity (ROE) | 16.4432% | 688 |
| Retained earnings to average equity (ytd only) | 16.4432% | 148 |
| Net charge-offs to loans | 0.0010% | 2,641 |
| Credit loss provision to net charge-offs | 200.0000% | 1,300 |
| Earnings coverage of net charge-offs (x) | 1,997.0000% | 66 |
| Efficiency ratio | 25.0657% | 4,810 |
| Assets per employee ($millions) | 160.6120% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0883% | 4,772 |
| Loan loss allowance to noncurrent loans | 35.9259% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 2,696 |
| Noncurrent loans to loans | 0.2458% | 2,745 |
| Net loans and leases to total assets | 70.8958% | 931 |
| Net loans and leases to deposits | 87.3462% | 690 |
| Net loans and leases to core deposits | 91.3280% | 912 |
| Total domestic deposits to total assets | 81.1664% | 4,084 |
| Equity capital to assets | 6.6331% | 4,773 |
| Core capital (leverage) ratio | 6.8907% | 4,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4652% | 421 |
| Memoranda: | ||
| Average total assets | $136,376,200,000 | 27 |
| Average earning assets | $135,007,200,000 | 26 |
| Average equity | $9,292,600,000 | 36 |
| Average total loans | $95,393,000,000 | 18 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9317% | 4,775 |
| Cost of funding earning assets | 0.1697% | 3,923 |
| Net interest margin | 1.7621% | 4,757 |
| Noninterest income to average assets | 0.2014% | 4,196 |
| Noninterest expense to average assets | 0.4887% | 4,896 |
| Loan and lease loss provision to assets | -0.0020% | 4,290 |
| Net operating income to assets | 1.1090% | 2,521 |
| Return on assets (ROA) | 1.1090% | 2,573 |
| Pretax return on assets | 1.4592% | 2,117 |
| Return on Equity (ROE) | 16.1500% | 916 |
| Retained earnings to average equity (ytd only) | 16.1500% | 286 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.1170% | 4,883 |
| Assets per employee ($millions) | 152.8286% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0918% | 4,852 |
| Loan loss allowance to noncurrent loans | 34.0580% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 2,844 |
| Noncurrent loans to loans | 0.2696% | 2,838 |
| Net loans and leases to total assets | 70.8128% | 1,011 |
| Net loans and leases to deposits | 88.5884% | 685 |
| Net loans and leases to core deposits | 95.7665% | 758 |
| Total domestic deposits to total assets | 79.9346% | 4,235 |
| Equity capital to assets | 6.8895% | 4,830 |
| Core capital (leverage) ratio | 7.1370% | 4,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1236% | 420 |
| Memoranda: | ||
| Average total assets | $131,762,750,000 | 28 |
| Average earning assets | $130,450,750,000 | 27 |
| Average equity | $9,048,250,000 | 37 |
| Average total loans | $91,775,000,000 | 18 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9312% | 4,818 |
| Cost of funding earning assets | 0.1727% | 4,017 |
| Net interest margin | 1.7585% | 4,798 |
| Noninterest income to average assets | 0.1944% | 4,224 |
| Noninterest expense to average assets | 0.4767% | 4,933 |
| Loan and lease loss provision to assets | -0.0031% | 4,386 |
| Net operating income to assets | 1.1102% | 2,508 |
| Return on assets (ROA) | 1.1102% | 2,568 |
| Pretax return on assets | 1.4615% | 2,131 |
| Return on Equity (ROE) | 16.1872% | 918 |
| Retained earnings to average equity (ytd only) | 16.1872% | 323 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.6353% | 4,922 |
| Assets per employee ($millions) | 149.6211% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0979% | 4,888 |
| Loan loss allowance to noncurrent loans | 34.1818% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 2,938 |
| Noncurrent loans to loans | 0.2865% | 2,900 |
| Net loans and leases to total assets | 70.5894% | 1,137 |
| Net loans and leases to deposits | 88.1515% | 767 |
| Net loans and leases to core deposits | 101.7377% | 599 |
| Total domestic deposits to total assets | 80.0774% | 4,225 |
| Equity capital to assets | 7.0707% | 4,832 |
| Core capital (leverage) ratio | 7.3769% | 4,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2447% | 418 |
| Memoranda: | ||
| Average total assets | $127,542,666,667 | 29 |
| Average earning assets | $126,241,666,667 | 28 |
| Average equity | $8,747,666,667 | 37 |
| Average total loans | $88,245,333,333 | 20 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9338% | 4,848 |
| Cost of funding earning assets | 0.1734% | 4,135 |
| Net interest margin | 1.7603% | 4,823 |
| Noninterest income to average assets | 0.2204% | 4,061 |
| Noninterest expense to average assets | 0.4895% | 4,957 |
| Loan and lease loss provision to assets | -0.0162% | 4,598 |
| Net operating income to assets | 1.1379% | 2,362 |
| Return on assets (ROA) | 1.1379% | 2,428 |
| Pretax return on assets | 1.4913% | 2,018 |
| Return on Equity (ROE) | 16.8780% | 868 |
| Retained earnings to average equity (ytd only) | 16.8780% | 433 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.9175% | 4,939 |
| Assets per employee ($millions) | 145.4862% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1040% | 4,920 |
| Loan loss allowance to noncurrent loans | 35.0000% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 3,130 |
| Noncurrent loans to loans | 0.2972% | 3,032 |
| Net loans and leases to total assets | 68.8801% | 1,419 |
| Net loans and leases to deposits | 81.1327% | 1,413 |
| Net loans and leases to core deposits | 95.4954% | 902 |
| Total domestic deposits to total assets | 84.8980% | 3,145 |
| Equity capital to assets | 6.6591% | 4,898 |
| Core capital (leverage) ratio | 6.7778% | 4,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0397% | 510 |
| Memoranda: | ||
| Average total assets | $123,386,000,000 | 29 |
| Average earning assets | $122,249,500,000 | 26 |
| Average equity | $8,318,500,000 | 37 |
| Average total loans | $84,371,000,000 | 22 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2262% | 4,892 |
| Cost of funding earning assets | 0.3573% | 3,833 |
| Net interest margin | 1.8688% | 4,870 |
| Noninterest income to average assets | 0.2969% | 3,707 |
| Noninterest expense to average assets | 0.6389% | 4,971 |
| Loan and lease loss provision to assets | 0.0287% | 4,040 |
| Net operating income to assets | 1.1114% | 1,882 |
| Return on assets (ROA) | 1.1235% | 1,948 |
| Pretax return on assets | 1.4980% | 1,331 |
| Return on Equity (ROE) | 14.1910% | 766 |
| Retained earnings to average equity (ytd only) | -0.0968% | 4,530 |
| Net charge-offs to loans | 0.0042% | 3,212 |
| Credit loss provision to net charge-offs | 1,000.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 526.0000% | 223 |
| Efficiency ratio | 29.7105% | 4,959 |
| Assets per employee ($millions) | 141.5679% | 14 |
| Cash dividends to net income (ytd only)* | 100.6820% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1181% | 4,940 |
| Loan loss allowance to noncurrent loans | 32.7645% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 3,060 |
| Noncurrent loans to loans | 0.3605% | 2,905 |
| Net loans and leases to total assets | 67.6944% | 1,859 |
| Net loans and leases to deposits | 75.6776% | 2,313 |
| Net loans and leases to core deposits | 92.3185% | 1,364 |
| Total domestic deposits to total assets | 89.4511% | 787 |
| Equity capital to assets | 6.8294% | 4,929 |
| Core capital (leverage) ratio | 7.1580% | 4,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5043% | 628 |
| Memoranda: | ||
| Average total assets | $104,404,600,000 | 30 |
| Average earning assets | $103,540,800,000 | 30 |
| Average equity | $8,265,800,000 | 36 |
| Average total loans | $71,423,800,000 | 25 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3269% | 4,932 |
| Cost of funding earning assets | 0.4146% | 3,730 |
| Net interest margin | 1.9124% | 4,910 |
| Noninterest income to average assets | 0.3196% | 3,572 |
| Noninterest expense to average assets | 0.6539% | 5,009 |
| Loan and lease loss provision to assets | 0.0531% | 3,683 |
| Net operating income to assets | 1.1477% | 1,828 |
| Return on assets (ROA) | 1.1645% | 1,886 |
| Pretax return on assets | 1.5305% | 1,376 |
| Return on Equity (ROE) | 14.1296% | 858 |
| Retained earnings to average equity (ytd only) | 4.6348% | 2,725 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5033% | 4,993 |
| Assets per employee ($millions) | 135.0049% | 13 |
| Cash dividends to net income (ytd only)* | 67.1982% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1422% | 4,974 |
| Loan loss allowance to noncurrent loans | 48.1982% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 3,426 |
| Noncurrent loans to loans | 0.2949% | 3,221 |
| Net loans and leases to total assets | 68.2274% | 2,205 |
| Net loans and leases to deposits | 77.3693% | 2,608 |
| Net loans and leases to core deposits | 98.7687% | 1,260 |
| Total domestic deposits to total assets | 88.1840% | 1,128 |
| Equity capital to assets | 7.7176% | 4,800 |
| Core capital (leverage) ratio | 8.1637% | 4,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6459% | 476 |
| Memoranda: | ||
| Average total assets | $100,528,750,000 | 30 |
| Average earning assets | $99,699,250,000 | 30 |
| Average equity | $8,285,000,000 | 36 |
| Average total loans | $68,963,000,000 | 27 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4670% | 4,970 |
| Cost of funding earning assets | 0.4930% | 3,579 |
| Net interest margin | 1.9740% | 4,950 |
| Noninterest income to average assets | 0.2425% | 4,031 |
| Noninterest expense to average assets | 0.5775% | 5,050 |
| Loan and lease loss provision to assets | 0.0884% | 3,173 |
| Net operating income to assets | 1.1632% | 1,752 |
| Return on assets (ROA) | 1.1632% | 1,878 |
| Pretax return on assets | 1.5352% | 1,376 |
| Return on Equity (ROE) | 13.7836% | 920 |
| Retained earnings to average equity (ytd only) | -0.5845% | 4,421 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2372% | 5,033 |
| Assets per employee ($millions) | 125.6434% | 13 |
| Cash dividends to net income (ytd only)* | 104.2403% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1578% | 5,002 |
| Loan loss allowance to noncurrent loans | 110.0000% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 4,033 |
| Noncurrent loans to loans | 0.1435% | 3,885 |
| Net loans and leases to total assets | 67.8810% | 2,376 |
| Net loans and leases to deposits | 74.1153% | 3,069 |
| Net loans and leases to core deposits | 97.6950% | 1,434 |
| Total domestic deposits to total assets | 91.5884% | 75 |
| Equity capital to assets | 8.0059% | 4,713 |
| Core capital (leverage) ratio | 7.9430% | 4,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1518% | 567 |
| Memoranda: | ||
| Average total assets | $97,317,000,000 | 31 |
| Average earning assets | $96,556,000,000 | 30 |
| Average equity | $8,212,666,667 | 36 |
| Average total loans | $66,861,000,000 | 27 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6760% | 5,022 |
| Cost of funding earning assets | 0.6424% | 3,205 |
| Net interest margin | 2.0336% | 5,004 |
| Noninterest income to average assets | 0.2365% | 4,138 |
| Noninterest expense to average assets | 0.5701% | 5,096 |
| Loan and lease loss provision to assets | 0.0802% | 2,708 |
| Net operating income to assets | 1.2163% | 1,462 |
| Return on assets (ROA) | 1.2163% | 1,575 |
| Pretax return on assets | 1.6048% | 1,042 |
| Return on Equity (ROE) | 14.0231% | 695 |
| Retained earnings to average equity (ytd only) | 14.0231% | 249 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.2809% | 5,077 |
| Assets per employee ($millions) | 133.3208% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1296% | 5,047 |
| Loan loss allowance to noncurrent loans | 96.6667% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 4,175 |
| Noncurrent loans to loans | 0.1340% | 3,985 |
| Net loans and leases to total assets | 63.0379% | 3,183 |
| Net loans and leases to deposits | 68.7899% | 3,676 |
| Net loans and leases to core deposits | 92.0781% | 2,148 |
| Total domestic deposits to total assets | 91.6383% | 64 |
| Equity capital to assets | 7.9594% | 4,978 |
| Core capital (leverage) ratio | 9.6842% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0427% | 559 |
| Memoranda: | ||
| Average total assets | $94,713,000,000 | 31 |
| Average earning assets | $94,019,500,000 | 30 |
| Average equity | $8,215,000,000 | 36 |
| Average total loans | $65,439,000,000 | 28 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2802% | 4,972 |
| Cost of funding earning assets | 0.8508% | 2,427 |
| Net interest margin | 2.4295% | 5,001 |
| Noninterest income to average assets | 0.2319% | 4,286 |
| Noninterest expense to average assets | 0.6373% | 5,152 |
| Loan and lease loss provision to assets | 0.0130% | 3,755 |
| Net operating income to assets | 1.5114% | 1,022 |
| Return on assets (ROA) | 1.5350% | 1,028 |
| Pretax return on assets | 2.0194% | 577 |
| Return on Equity (ROE) | 15.2251% | 646 |
| Retained earnings to average equity (ytd only) | 7.6961% | 1,080 |
| Net charge-offs to loans | 0.0034% | 3,555 |
| Credit loss provision to net charge-offs | 500.0000% | 580 |
| Earnings coverage of net charge-offs (x) | 773.0000% | 131 |
| Efficiency ratio | 24.1413% | 5,152 |
| Assets per employee ($millions) | 104.0551% | 15 |
| Cash dividends to net income (ytd only)* | 49.4515% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0785% | 5,110 |
| Loan loss allowance to noncurrent loans | 53.7634% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 4,057 |
| Noncurrent loans to loans | 0.1459% | 3,943 |
| Net loans and leases to total assets | 76.6836% | 1,297 |
| Net loans and leases to deposits | 86.0171% | 2,086 |
| Net loans and leases to core deposits | 120.2709% | 471 |
| Total domestic deposits to total assets | 89.1493% | 611 |
| Equity capital to assets | 9.5886% | 4,280 |
| Core capital (leverage) ratio | 9.8864% | 3,629 |
| Tier 1 risk-based capital ratio | 24.8437% | 762 |
| Total risk-based capital ratio | 25.0122% | 835 |
| Memoranda: | ||
| Average total assets | $77,199,400,000 | 35 |
| Average earning assets | $76,518,800,000 | 34 |
| Average equity | $7,783,200,000 | 36 |
| Average total loans | $58,030,800,000 | 29 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3411% | 5,048 |
| Cost of funding earning assets | 0.8739% | 2,350 |
| Net interest margin | 2.4672% | 5,081 |
| Noninterest income to average assets | 0.2183% | 4,424 |
| Noninterest expense to average assets | 0.6390% | 5,236 |
| Loan and lease loss provision to assets | 0.0106% | 3,680 |
| Net operating income to assets | 1.5207% | 1,136 |
| Return on assets (ROA) | 1.5526% | 1,104 |
| Pretax return on assets | 2.0543% | 612 |
| Return on Equity (ROE) | 15.1964% | 740 |
| Retained earnings to average equity (ytd only) | 15.1964% | 139 |
| Net charge-offs to loans | 0.0024% | 3,354 |
| Credit loss provision to net charge-offs | 600.0000% | 537 |
| Earnings coverage of net charge-offs (x) | 1,150.0000% | 74 |
| Efficiency ratio | 23.9921% | 5,230 |
| Assets per employee ($millions) | 103.2582% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0783% | 5,186 |
| Loan loss allowance to noncurrent loans | 46.0784% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 4,068 |
| Noncurrent loans to loans | 0.1700% | 3,930 |
| Net loans and leases to total assets | 76.1036% | 1,461 |
| Net loans and leases to deposits | 85.9307% | 2,196 |
| Net loans and leases to core deposits | 121.2837% | 495 |
| Total domestic deposits to total assets | 88.5640% | 797 |
| Equity capital to assets | 10.5108% | 3,533 |
| Core capital (leverage) ratio | 10.7512% | 2,891 |
| Tier 1 risk-based capital ratio | 27.3405% | 620 |
| Total risk-based capital ratio | 27.5055% | 676 |
| Memoranda: | ||
| Average total assets | $75,740,250,000 | 36 |
| Average earning assets | $75,064,250,000 | 35 |
| Average equity | $7,738,500,000 | 37 |
| Average total loans | $56,607,250,000 | 30 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3570% | 5,102 |
| Cost of funding earning assets | 0.8507% | 2,392 |
| Net interest margin | 2.5063% | 5,126 |
| Noninterest income to average assets | 0.2061% | 4,513 |
| Noninterest expense to average assets | 0.6450% | 5,285 |
| Loan and lease loss provision to assets | 0.0054% | 3,621 |
| Net operating income to assets | 1.5412% | 1,028 |
| Return on assets (ROA) | 1.5898% | 973 |
| Pretax return on assets | 2.1010% | 550 |
| Return on Equity (ROE) | 15.7191% | 634 |
| Retained earnings to average equity (ytd only) | 15.7191% | 139 |
| Net charge-offs to loans | 0.0036% | 3,031 |
| Credit loss provision to net charge-offs | 200.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 764.0000% | 103 |
| Efficiency ratio | 23.9801% | 5,273 |
| Assets per employee ($millions) | 101.4148% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0753% | 5,238 |
| Loan loss allowance to noncurrent loans | 48.3146% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 4,167 |
| Noncurrent loans to loans | 0.1559% | 3,981 |
| Net loans and leases to total assets | 75.5036% | 1,627 |
| Net loans and leases to deposits | 84.8217% | 2,391 |
| Net loans and leases to core deposits | 119.0765% | 573 |
| Total domestic deposits to total assets | 89.0145% | 657 |
| Equity capital to assets | 10.5157% | 3,501 |
| Core capital (leverage) ratio | 10.7132% | 2,882 |
| Tier 1 risk-based capital ratio | 27.4380% | 593 |
| Total risk-based capital ratio | 27.6004% | 653 |
| Memoranda: | ||
| Average total assets | $74,725,000,000 | 36 |
| Average earning assets | $74,054,000,000 | 35 |
| Average equity | $7,557,666,670 | 38 |
| Average total loans | $55,474,333,330 | 30 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3631% | 5,142 |
| Cost of funding earning assets | 0.7987% | 2,547 |
| Net interest margin | 2.5644% | 5,160 |
| Noninterest income to average assets | 0.1938% | 4,596 |
| Noninterest expense to average assets | 0.6406% | 5,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5848% | 924 |
| Return on assets (ROA) | 1.5933% | 936 |
| Pretax return on assets | 2.1047% | 519 |
| Return on Equity (ROE) | 16.0782% | 578 |
| Retained earnings to average equity (ytd only) | 16.0782% | 217 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.4252% | 5,337 |
| Assets per employee ($millions) | 101.0344% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0770% | 5,304 |
| Loan loss allowance to noncurrent loans | 59.1549% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 0.0967% | 4,331 |
| Noncurrent loans to loans | 0.1302% | 4,153 |
| Net loans and leases to total assets | 74.1777% | 1,768 |
| Net loans and leases to deposits | 83.2391% | 2,476 |
| Net loans and leases to core deposits | 109.6609% | 952 |
| Total domestic deposits to total assets | 89.1140% | 808 |
| Equity capital to assets | 10.2720% | 3,553 |
| Core capital (leverage) ratio | 10.1233% | 3,459 |
| Tier 1 risk-based capital ratio | 26.3964% | 663 |
| Total risk-based capital ratio | 26.5538% | 718 |
| Memoranda: | ||
| Average total assets | $74,310,500,000 | 37 |
| Average earning assets | $73,623,000,000 | 36 |
| Average equity | $7,364,000,000 | 40 |
| Average total loans | $54,667,000,000 | 31 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0875% | 5,196 |
| Cost of funding earning assets | 0.6020% | 2,699 |
| Net interest margin | 2.4854% | 5,222 |
| Noninterest income to average assets | 0.1689% | 4,883 |
| Noninterest expense to average assets | 0.7028% | 5,377 |
| Loan and lease loss provision to assets | 0.0043% | 4,026 |
| Net operating income to assets | 1.4450% | 1,294 |
| Return on assets (ROA) | 1.4461% | 1,274 |
| Pretax return on assets | 1.9238% | 672 |
| Return on Equity (ROE) | 15.0867% | 808 |
| Retained earnings to average equity (ytd only) | 15.0867% | 111 |
| Net charge-offs to loans | 0.0019% | 3,679 |
| Credit loss provision to net charge-offs | 300.0000% | 1,027 |
| Earnings coverage of net charge-offs (x) | 1,335.0000% | 83 |
| Efficiency ratio | 26.7289% | 5,373 |
| Assets per employee ($millions) | 103.1125% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0766% | 5,349 |
| Loan loss allowance to noncurrent loans | 57.5342% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 0.0971% | 4,339 |
| Noncurrent loans to loans | 0.1332% | 4,143 |
| Net loans and leases to total assets | 72.8558% | 2,120 |
| Net loans and leases to deposits | 83.0780% | 2,615 |
| Net loans and leases to core deposits | 104.9761% | 1,348 |
| Total domestic deposits to total assets | 87.6957% | 1,448 |
| Equity capital to assets | 9.5558% | 4,082 |
| Core capital (leverage) ratio | 9.9824% | 3,601 |
| Tier 1 risk-based capital ratio | 25.2038% | 729 |
| Total risk-based capital ratio | 25.3652% | 796 |
| Memoranda: | ||
| Average total assets | $69,289,600,000 | 38 |
| Average earning assets | $68,600,200,000 | 36 |
| Average equity | $6,641,600,000 | 41 |
| Average total loans | $51,411,200,000 | 31 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0349% | 5,273 |
| Cost of funding earning assets | 0.5561% | 2,823 |
| Net interest margin | 2.4787% | 5,290 |
| Noninterest income to average assets | 0.1651% | 4,960 |
| Noninterest expense to average assets | 0.7136% | 5,449 |
| Loan and lease loss provision to assets | 0.0020% | 3,925 |
| Net operating income to assets | 1.4238% | 1,406 |
| Return on assets (ROA) | 1.4253% | 1,399 |
| Pretax return on assets | 1.9050% | 808 |
| Return on Equity (ROE) | 14.8571% | 906 |
| Retained earnings to average equity (ytd only) | 14.8571% | 183 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.2523% | 5,443 |
| Assets per employee ($millions) | 96.4589% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0776% | 5,422 |
| Loan loss allowance to noncurrent loans | 62.1212% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 4,505 |
| Noncurrent loans to loans | 0.1249% | 4,328 |
| Net loans and leases to total assets | 74.9940% | 1,811 |
| Net loans and leases to deposits | 86.0483% | 2,359 |
| Net loans and leases to core deposits | 108.5871% | 1,126 |
| Total domestic deposits to total assets | 87.1533% | 1,668 |
| Equity capital to assets | 9.7153% | 3,908 |
| Core capital (leverage) ratio | 9.7406% | 3,910 |
| Tier 1 risk-based capital ratio | 24.9685% | 759 |
| Total risk-based capital ratio | 25.1327% | 838 |
| Memoranda: | ||
| Average total assets | $67,819,750,000 | 38 |
| Average earning assets | $67,129,500,000 | 36 |
| Average equity | $6,506,250,000 | 40 |
| Average total loans | $50,562,250,000 | 31 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9542% | 5,348 |
| Cost of funding earning assets | 0.5039% | 2,980 |
| Net interest margin | 2.4503% | 5,363 |
| Noninterest income to average assets | 0.1583% | 5,036 |
| Noninterest expense to average assets | 0.7199% | 5,519 |
| Loan and lease loss provision to assets | -0.0090% | 5,300 |
| Net operating income to assets | 1.4069% | 1,414 |
| Return on assets (ROA) | 1.4069% | 1,415 |
| Pretax return on assets | 1.8729% | 830 |
| Return on Equity (ROE) | 14.7310% | 910 |
| Retained earnings to average equity (ytd only) | 14.7310% | 218 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.8613% | 5,502 |
| Assets per employee ($millions) | 95.3808% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0721% | 5,482 |
| Loan loss allowance to noncurrent loans | 78.7234% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,665 |
| Noncurrent loans to loans | 0.0915% | 4,505 |
| Net loans and leases to total assets | 73.6887% | 1,998 |
| Net loans and leases to deposits | 83.7067% | 2,571 |
| Net loans and leases to core deposits | 106.2124% | 1,226 |
| Total domestic deposits to total assets | 88.0321% | 1,367 |
| Equity capital to assets | 9.4904% | 4,115 |
| Core capital (leverage) ratio | 9.8254% | 3,759 |
| Tier 1 risk-based capital ratio | 24.6384% | 770 |
| Total risk-based capital ratio | 24.7913% | 850 |
| Memoranda: | ||
| Average total assets | $66,954,666,670 | 38 |
| Average earning assets | $66,277,666,670 | 36 |
| Average equity | $6,394,666,670 | 41 |
| Average total loans | $49,800,333,330 | 31 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8879% | 5,419 |
| Cost of funding earning assets | 0.4126% | 3,499 |
| Net interest margin | 2.4753% | 5,409 |
| Noninterest income to average assets | 0.1524% | 5,104 |
| Noninterest expense to average assets | 0.7132% | 5,582 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4142% | 1,308 |
| Return on assets (ROA) | 1.4142% | 1,316 |
| Pretax return on assets | 1.8897% | 744 |
| Return on Equity (ROE) | 14.7583% | 842 |
| Retained earnings to average equity (ytd only) | 14.7583% | 342 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.4005% | 5,572 |
| Assets per employee ($millions) | 95.2579% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0807% | 5,541 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 4,692 |
| Noncurrent loans to loans | 0.1009% | 4,518 |
| Net loans and leases to total assets | 74.9005% | 1,724 |
| Net loans and leases to deposits | 85.8401% | 2,185 |
| Net loans and leases to core deposits | 104.3959% | 1,348 |
| Total domestic deposits to total assets | 87.2559% | 2,021 |
| Equity capital to assets | 9.6538% | 3,937 |
| Core capital (leverage) ratio | 9.7298% | 3,821 |
| Tier 1 risk-based capital ratio | 24.2238% | 821 |
| Total risk-based capital ratio | 24.3870% | 901 |
| Memoranda: | ||
| Average total assets | $65,618,000,000 | 38 |
| Average earning assets | $64,961,500,000 | 37 |
| Average equity | $6,288,000,000 | 40 |
| Average total loans | $49,028,000,000 | 31 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6335% | 5,519 |
| Cost of funding earning assets | 0.2132% | 4,844 |
| Net interest margin | 2.4203% | 5,450 |
| Noninterest income to average assets | 0.1401% | 5,253 |
| Noninterest expense to average assets | 0.7055% | 5,639 |
| Loan and lease loss provision to assets | 0.0101% | 4,078 |
| Net operating income to assets | 1.0791% | 1,938 |
| Return on assets (ROA) | 1.0802% | 1,952 |
| Pretax return on assets | 1.8211% | 750 |
| Return on Equity (ROE) | 10.8895% | 1,532 |
| Retained earnings to average equity (ytd only) | 10.8895% | 257 |
| Net charge-offs to loans | 0.0023% | 4,033 |
| Credit loss provision to net charge-offs | 600.0000% | 539 |
| Earnings coverage of net charge-offs (x) | 1,084.0000% | 75 |
| Efficiency ratio | 27.8296% | 5,633 |
| Assets per employee ($millions) | 98.2308% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0825% | 5,606 |
| Loan loss allowance to noncurrent loans | 68.9655% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 4,662 |
| Noncurrent loans to loans | 0.1196% | 4,444 |
| Net loans and leases to total assets | 74.4085% | 1,852 |
| Net loans and leases to deposits | 84.9847% | 2,374 |
| Net loans and leases to core deposits | 98.9747% | 1,790 |
| Total domestic deposits to total assets | 87.5551% | 1,727 |
| Equity capital to assets | 9.5106% | 4,228 |
| Core capital (leverage) ratio | 9.6565% | 3,860 |
| Tier 1 risk-based capital ratio | 24.4424% | 776 |
| Total risk-based capital ratio | 24.6115% | 860 |
| Memoranda: | ||
| Average total assets | $59,250,400,000 | 38 |
| Average earning assets | $58,630,000,000 | 38 |
| Average equity | $5,877,200,000 | 42 |
| Average total loans | $43,670,600,000 | 34 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5775% | 5,598 |
| Cost of funding earning assets | 0.1656% | 5,220 |
| Net interest margin | 2.4119% | 5,519 |
| Noninterest income to average assets | 0.1384% | 5,315 |
| Noninterest expense to average assets | 0.7015% | 5,709 |
| Loan and lease loss provision to assets | 0.0115% | 3,910 |
| Net operating income to assets | 1.1269% | 1,966 |
| Return on assets (ROA) | 1.1284% | 2,025 |
| Pretax return on assets | 1.8137% | 858 |
| Return on Equity (ROE) | 11.2450% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.2450% | 381 |
| Net charge-offs to loans | 0.0031% | 3,631 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 790.0000% | 133 |
| Efficiency ratio | 27.7879% | 5,703 |
| Assets per employee ($millions) | 98.7720% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0845% | 5,673 |
| Loan loss allowance to noncurrent loans | 73.5849% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 4,805 |
| Noncurrent loans to loans | 0.1148% | 4,599 |
| Net loans and leases to total assets | 71.9452% | 2,260 |
| Net loans and leases to deposits | 82.6935% | 2,693 |
| Net loans and leases to core deposits | 95.8576% | 2,092 |
| Total domestic deposits to total assets | 87.0022% | 1,875 |
| Equity capital to assets | 9.4629% | 4,477 |
| Core capital (leverage) ratio | 9.8157% | 3,801 |
| Tier 1 risk-based capital ratio | 24.6385% | 793 |
| Total risk-based capital ratio | 24.8087% | 875 |
| Memoranda: | ||
| Average total assets | $57,781,250,000 | 38 |
| Average earning assets | $57,159,000,000 | 38 |
| Average equity | $5,798,000,000 | 42 |
| Average total loans | $42,463,250,000 | 34 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5218% | 5,653 |
| Cost of funding earning assets | 0.1163% | 5,527 |
| Net interest margin | 2.4055% | 5,566 |
| Noninterest income to average assets | 0.1293% | 5,404 |
| Noninterest expense to average assets | 0.7185% | 5,760 |
| Loan and lease loss provision to assets | 0.0108% | 3,728 |
| Net operating income to assets | 1.1041% | 1,950 |
| Return on assets (ROA) | 1.1064% | 1,990 |
| Pretax return on assets | 1.7818% | 878 |
| Return on Equity (ROE) | 10.7906% | 1,722 |
| Retained earnings to average equity (ytd only) | 10.7906% | 471 |
| Net charge-offs to loans | 0.0049% | 3,301 |
| Credit loss provision to net charge-offs | 300.0000% | 956 |
| Earnings coverage of net charge-offs (x) | 498.0000% | 169 |
| Efficiency ratio | 28.6533% | 5,746 |
| Assets per employee ($millions) | 99.2787% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0835% | 5,720 |
| Loan loss allowance to noncurrent loans | 88.0952% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 4,905 |
| Noncurrent loans to loans | 0.0948% | 4,746 |
| Net loans and leases to total assets | 73.0812% | 2,024 |
| Net loans and leases to deposits | 89.2946% | 1,830 |
| Net loans and leases to core deposits | 93.1963% | 2,225 |
| Total domestic deposits to total assets | 81.8428% | 3,929 |
| Equity capital to assets | 9.7110% | 4,217 |
| Core capital (leverage) ratio | 10.2957% | 3,150 |
| Tier 1 risk-based capital ratio | 24.8367% | 766 |
| Total risk-based capital ratio | 25.0051% | 864 |
| Memoranda: | ||
| Average total assets | $55,674,000,000 | 38 |
| Average earning assets | $55,040,000,000 | 38 |
| Average equity | $5,708,666,670 | 42 |
| Average total loans | $41,231,666,670 | 35 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4849% | 5,725 |
| Cost of funding earning assets | 0.0836% | 5,706 |
| Net interest margin | 2.4014% | 5,618 |
| Noninterest income to average assets | 0.1277% | 5,482 |
| Noninterest expense to average assets | 0.7364% | 5,829 |
| Loan and lease loss provision to assets | 0.0075% | 3,460 |
| Net operating income to assets | 1.0848% | 1,934 |
| Return on assets (ROA) | 1.0896% | 1,956 |
| Pretax return on assets | 1.7659% | 867 |
| Return on Equity (ROE) | 10.3157% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.3157% | 744 |
| Net charge-offs to loans | 0.0101% | 2,631 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 244 |
| Efficiency ratio | 29.4294% | 5,803 |
| Assets per employee ($millions) | 96.7523% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0863% | 5,794 |
| Loan loss allowance to noncurrent loans | 120.6897% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 5,046 |
| Noncurrent loans to loans | 0.0715% | 4,914 |
| Net loans and leases to total assets | 75.7551% | 1,451 |
| Net loans and leases to deposits | 89.4332% | 1,610 |
| Net loans and leases to core deposits | 91.0852% | 2,255 |
| Total domestic deposits to total assets | 84.7058% | 3,213 |
| Equity capital to assets | 10.6553% | 3,007 |
| Core capital (leverage) ratio | 10.7899% | 2,606 |
| Tier 1 risk-based capital ratio | 25.9728% | 691 |
| Total risk-based capital ratio | 26.1408% | 767 |
| Memoranda: | ||
| Average total assets | $53,231,000,000 | 40 |
| Average earning assets | $52,637,000,000 | 39 |
| Average equity | $5,622,500,000 | 42 |
| Average total loans | $39,700,000,000 | 35 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2381% | 5,816 |
| Cost of funding earning assets | 0.0918% | 5,738 |
| Net interest margin | 2.1463% | 5,774 |
| Noninterest income to average assets | 0.1184% | 5,589 |
| Noninterest expense to average assets | 0.7272% | 5,882 |
| Loan and lease loss provision to assets | 0.0190% | 3,994 |
| Net operating income to assets | 0.9346% | 2,653 |
| Return on assets (ROA) | 0.9428% | 2,728 |
| Pretax return on assets | 1.5093% | 1,558 |
| Return on Equity (ROE) | 8.9977% | 2,416 |
| Retained earnings to average equity (ytd only) | 8.9977% | 592 |
| Net charge-offs to loans | 0.0031% | 4,159 |
| Credit loss provision to net charge-offs | 900.0000% | 419 |
| Earnings coverage of net charge-offs (x) | 717.0000% | 109 |
| Efficiency ratio | 32.4222% | 5,855 |
| Assets per employee ($millions) | 96.8154% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0901% | 5,848 |
| Loan loss allowance to noncurrent loans | 120.6897% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 5,095 |
| Noncurrent loans to loans | 0.0747% | 4,944 |
| Net loans and leases to total assets | 73.2618% | 1,965 |
| Net loans and leases to deposits | 84.8433% | 2,326 |
| Net loans and leases to core deposits | 85.3904% | 2,894 |
| Total domestic deposits to total assets | 86.3496% | 2,431 |
| Equity capital to assets | 10.4687% | 3,187 |
| Core capital (leverage) ratio | 10.6439% | 2,725 |
| Tier 1 risk-based capital ratio | 26.1340% | 697 |
| Total risk-based capital ratio | 26.3070% | 754 |
| Memoranda: | ||
| Average total assets | $47,307,800,000 | 42 |
| Average earning assets | $46,825,800,000 | 41 |
| Average equity | $4,956,800,000 | 44 |
| Average total loans | $32,594,000,000 | 39 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1825% | 5,896 |
| Cost of funding earning assets | 0.0939% | 5,796 |
| Net interest margin | 2.0886% | 5,853 |
| Noninterest income to average assets | 0.1046% | 5,694 |
| Noninterest expense to average assets | 0.7292% | 5,955 |
| Loan and lease loss provision to assets | 0.0145% | 3,959 |
| Net operating income to assets | 0.8952% | 2,930 |
| Return on assets (ROA) | 0.9064% | 3,006 |
| Pretax return on assets | 1.4467% | 1,894 |
| Return on Equity (ROE) | 8.6484% | 2,688 |
| Retained earnings to average equity (ytd only) | 8.6484% | 924 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5561% | 5,913 |
| Assets per employee ($millions) | 96.9516% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0908% | 5,916 |
| Loan loss allowance to noncurrent loans | 123.0769% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 5,232 |
| Noncurrent loans to loans | 0.0737% | 5,053 |
| Net loans and leases to total assets | 67.6603% | 2,843 |
| Net loans and leases to deposits | 78.1480% | 3,172 |
| Net loans and leases to core deposits | 78.5506% | 3,606 |
| Total domestic deposits to total assets | 86.5797% | 2,098 |
| Equity capital to assets | 10.0993% | 4,041 |
| Core capital (leverage) ratio | 10.5261% | 2,967 |
| Tier 1 risk-based capital ratio | 26.4838% | 681 |
| Total risk-based capital ratio | 26.6549% | 754 |
| Memoranda: | ||
| Average total assets | $45,895,250,000 | 42 |
| Average earning assets | $45,451,500,000 | 41 |
| Average equity | $4,810,000,000 | 45 |
| Average total loans | $31,034,250,000 | 39 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1592% | 5,978 |
| Cost of funding earning assets | 0.0967% | 5,867 |
| Net interest margin | 2.0625% | 5,941 |
| Noninterest income to average assets | 0.1095% | 5,745 |
| Noninterest expense to average assets | 0.7254% | 6,031 |
| Loan and lease loss provision to assets | 0.0137% | 3,834 |
| Net operating income to assets | 0.8841% | 2,939 |
| Return on assets (ROA) | 0.8987% | 3,002 |
| Pretax return on assets | 1.4371% | 1,883 |
| Return on Equity (ROE) | 8.4537% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.4537% | 1,026 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6864% | 5,989 |
| Assets per employee ($millions) | 88.4326% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0928% | 5,994 |
| Loan loss allowance to noncurrent loans | 93.7500% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 5,237 |
| Noncurrent loans to loans | 0.0990% | 5,058 |
| Net loans and leases to total assets | 69.2880% | 2,587 |
| Net loans and leases to deposits | 81.7680% | 2,735 |
| Net loans and leases to core deposits | 82.1340% | 3,257 |
| Total domestic deposits to total assets | 84.7374% | 2,985 |
| Equity capital to assets | 11.0548% | 2,998 |
| Core capital (leverage) ratio | 11.4379% | 2,035 |
| Tier 1 risk-based capital ratio | 28.0022% | 592 |
| Total risk-based capital ratio | 28.1816% | 635 |
| Memoranda: | ||
| Average total assets | $43,839,333,330 | 43 |
| Average earning assets | $43,442,000,000 | 41 |
| Average equity | $4,660,666,670 | 45 |
| Average total loans | $29,626,333,330 | 40 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1388% | 6,045 |
| Cost of funding earning assets | 0.0951% | 5,933 |
| Net interest margin | 2.0438% | 6,006 |
| Noninterest income to average assets | 0.0942% | 5,842 |
| Noninterest expense to average assets | 0.7820% | 6,091 |
| Loan and lease loss provision to assets | 0.0283% | 3,283 |
| Net operating income to assets | 0.8197% | 3,153 |
| Return on assets (ROA) | 0.8197% | 3,278 |
| Pretax return on assets | 1.3096% | 2,264 |
| Return on Equity (ROE) | 7.8822% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.8822% | 1,509 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8889% | 6,017 |
| Assets per employee ($millions) | 87.6728% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1012% | 6,060 |
| Loan loss allowance to noncurrent loans | 115.3846% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 5,326 |
| Noncurrent loans to loans | 0.0877% | 5,124 |
| Net loans and leases to total assets | 69.0684% | 2,486 |
| Net loans and leases to deposits | 80.9066% | 2,683 |
| Net loans and leases to core deposits | 81.2507% | 3,210 |
| Total domestic deposits to total assets | 85.3681% | 2,972 |
| Equity capital to assets | 10.8509% | 3,117 |
| Core capital (leverage) ratio | 10.8866% | 2,528 |
| Tier 1 risk-based capital ratio | 27.0179% | 674 |
| Total risk-based capital ratio | 27.2035% | 725 |
| Memoranda: | ||
| Average total assets | $42,457,000,000 | 45 |
| Average earning assets | $42,079,500,000 | 42 |
| Average equity | $4,415,000,000 | 45 |
| Average total loans | $28,279,000,000 | 41 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0620% | 6,094 |
| Cost of funding earning assets | 0.2846% | 4,418 |
| Net interest margin | 1.7774% | 6,083 |
| Noninterest income to average assets | 0.1110% | 5,841 |
| Noninterest expense to average assets | 0.7472% | 6,147 |
| Loan and lease loss provision to assets | 0.0510% | 3,302 |
| Net operating income to assets | 0.6659% | 3,972 |
| Return on assets (ROA) | 0.6601% | 4,080 |
| Pretax return on assets | 1.0652% | 3,209 |
| Return on Equity (ROE) | 6.7676% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.7676% | 1,393 |
| Net charge-offs to loans | 0.0045% | 4,286 |
| Credit loss provision to net charge-offs | 1,700.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 375.0000% | 177 |
| Efficiency ratio | 39.9038% | 6,067 |
| Assets per employee ($millions) | 85.1053% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1003% | 6,110 |
| Loan loss allowance to noncurrent loans | 87.0968% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 5,299 |
| Noncurrent loans to loans | 0.1152% | 5,037 |
| Net loans and leases to total assets | 63.9598% | 3,289 |
| Net loans and leases to deposits | 74.1384% | 3,477 |
| Net loans and leases to core deposits | 595.1749% | 13 |
| Total domestic deposits to total assets | 86.2709% | 2,506 |
| Equity capital to assets | 9.9377% | 4,035 |
| Core capital (leverage) ratio | 10.4760% | 2,958 |
| Tier 1 risk-based capital ratio | 26.4756% | 706 |
| Total risk-based capital ratio | 26.6522% | 765 |
| Memoranda: | ||
| Average total assets | $33,326,400,000 | 49 |
| Average earning assets | $33,026,200,000 | 45 |
| Average equity | $3,250,800,000 | 55 |
| Average total loans | $21,991,000,000 | 44 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0824% | 6,180 |
| Cost of funding earning assets | 0.3629% | 3,625 |
| Net interest margin | 1.7195% | 6,179 |
| Noninterest income to average assets | 0.0813% | 6,013 |
| Noninterest expense to average assets | 0.7320% | 6,239 |
| Loan and lease loss provision to assets | 0.0171% | 3,930 |
| Net operating income to assets | 0.6448% | 4,156 |
| Return on assets (ROA) | 0.6421% | 4,283 |
| Pretax return on assets | 1.0316% | 3,499 |
| Return on Equity (ROE) | 6.6245% | 3,825 |
| Retained earnings to average equity (ytd only) | 6.6245% | 1,877 |
| Net charge-offs to loans | 0.0064% | 3,947 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 246.0000% | 288 |
| Efficiency ratio | 41.0072% | 6,109 |
| Assets per employee ($millions) | 77.7146% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0593% | 6,204 |
| Loan loss allowance to noncurrent loans | 31.1111% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 5,263 |
| Noncurrent loans to loans | 0.1905% | 4,882 |
| Net loans and leases to total assets | 64.2264% | 3,273 |
| Net loans and leases to deposits | 74.9230% | 3,430 |
| Net loans and leases to core deposits | 773.3049% | 12 |
| Total domestic deposits to total assets | 85.7232% | 2,681 |
| Equity capital to assets | 9.3174% | 4,984 |
| Core capital (leverage) ratio | 9.8880% | 3,781 |
| Tier 1 risk-based capital ratio | 22.9994% | 1,053 |
| Total risk-based capital ratio | 23.0932% | 1,198 |
| Memoranda: | ||
| Average total assets | $31,147,500,000 | 50 |
| Average earning assets | $30,860,750,000 | 47 |
| Average equity | $3,019,000,000 | 56 |
| Average total loans | $20,759,500,000 | 45 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1165% | 6,253 |
| Cost of funding earning assets | 0.5102% | 2,163 |
| Net interest margin | 1.6064% | 6,268 |
| Noninterest income to average assets | 0.1503% | 5,808 |
| Noninterest expense to average assets | 0.6763% | 6,317 |
| Loan and lease loss provision to assets | 0.0137% | 3,845 |
| Net operating income to assets | 0.6533% | 4,106 |
| Return on assets (ROA) | 0.6490% | 4,234 |
| Pretax return on assets | 1.0452% | 3,394 |
| Return on Equity (ROE) | 6.5888% | 3,836 |
| Retained earnings to average equity (ytd only) | 6.5888% | 1,906 |
| Net charge-offs to loans | 0.0101% | 3,555 |
| Credit loss provision to net charge-offs | 200.0000% | 1,223 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 421 |
| Efficiency ratio | 38.8235% | 6,227 |
| Assets per employee ($millions) | 68.0239% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0569% | 6,278 |
| Loan loss allowance to noncurrent loans | 29.2683% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 5,332 |
| Noncurrent loans to loans | 0.1944% | 4,997 |
| Net loans and leases to total assets | 67.2120% | 2,766 |
| Net loans and leases to deposits | 80.0463% | 2,776 |
| Net loans and leases to core deposits | 812.8423% | 16 |
| Total domestic deposits to total assets | 83.9663% | 3,580 |
| Equity capital to assets | 10.7561% | 3,161 |
| Core capital (leverage) ratio | 11.3618% | 2,109 |
| Tier 1 risk-based capital ratio | 25.1612% | 849 |
| Total risk-based capital ratio | 25.2580% | 940 |
| Memoranda: | ||
| Average total assets | $29,277,000,000 | 53 |
| Average earning assets | $29,009,666,670 | 49 |
| Average equity | $2,883,666,670 | 59 |
| Average total loans | $19,805,000,000 | 48 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1583% | 6,318 |
| Cost of funding earning assets | 0.5146% | 2,157 |
| Net interest margin | 1.6438% | 6,331 |
| Noninterest income to average assets | 0.1417% | 5,900 |
| Noninterest expense to average assets | 0.6800% | 6,393 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6658% | 3,972 |
| Return on assets (ROA) | 0.6658% | 4,097 |
| Pretax return on assets | 1.0908% | 3,121 |
| Return on Equity (ROE) | 7.1239% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.1239% | 1,963 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4000% | 6,298 |
| Assets per employee ($millions) | 64.2737% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0557% | 6,351 |
| Loan loss allowance to noncurrent loans | 22.9167% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 5,299 |
| Noncurrent loans to loans | 0.2429% | 4,907 |
| Net loans and leases to total assets | 67.8253% | 2,473 |
| Net loans and leases to deposits | 80.0000% | 2,560 |
| Net loans and leases to core deposits | 909.2081% | 14 |
| Total domestic deposits to total assets | 84.7816% | 3,520 |
| Equity capital to assets | 9.6785% | 4,533 |
| Core capital (leverage) ratio | 9.9464% | 3,669 |
| Tier 1 risk-based capital ratio | 22.3088% | 1,198 |
| Total risk-based capital ratio | 22.3958% | 1,367 |
| Memoranda: | ||
| Average total assets | $28,236,000,000 | 54 |
| Average earning assets | $27,984,500,000 | 49 |
| Average equity | $2,639,000,000 | 69 |
| Average total loans | $19,163,000,000 | 48 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9874% | 6,423 |
| Cost of funding earning assets | 0.4449% | 3,222 |
| Net interest margin | 1.5424% | 6,426 |
| Noninterest income to average assets | 0.0924% | 6,183 |
| Noninterest expense to average assets | 0.7390% | 6,474 |
| Loan and lease loss provision to assets | 0.0168% | 4,272 |
| Net operating income to assets | 0.5039% | 4,799 |
| Return on assets (ROA) | 0.5039% | 4,883 |
| Pretax return on assets | 0.8650% | 4,022 |
| Return on Equity (ROE) | 5.2356% | 4,540 |
| Retained earnings to average equity (ytd only) | 5.2356% | 2,444 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5959% | 6,283 |
| Assets per employee ($millions) | 61.3363% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0592% | 6,438 |
| Loan loss allowance to noncurrent loans | 25.0000% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 5,381 |
| Noncurrent loans to loans | 0.2370% | 4,981 |
| Net loans and leases to total assets | 67.8316% | 2,584 |
| Net loans and leases to deposits | 79.6224% | 2,771 |
| Net loans and leases to core deposits | 974.5798% | 14 |
| Total domestic deposits to total assets | 85.1915% | 3,211 |
| Equity capital to assets | 8.9925% | 5,297 |
| Core capital (leverage) ratio | 9.4234% | 4,351 |
| Tier 1 risk-based capital ratio | 20.2935% | 1,532 |
| Total risk-based capital ratio | 20.3921% | 1,776 |
| Memoranda: | ||
| Average total assets | $23,815,200,000 | 60 |
| Average earning assets | $23,599,200,000 | 55 |
| Average equity | $2,292,000,000 | 69 |
| Average total loans | $14,949,600,000 | 58 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9601% | 6,505 |
| Cost of funding earning assets | 0.4108% | 3,675 |
| Net interest margin | 1.5493% | 6,508 |
| Noninterest income to average assets | 0.0814% | 6,302 |
| Noninterest expense to average assets | 0.7385% | 6,558 |
| Loan and lease loss provision to assets | 0.0174% | 4,065 |
| Net operating income to assets | 0.5001% | 4,873 |
| Return on assets (ROA) | 0.5001% | 4,941 |
| Pretax return on assets | 0.8606% | 4,142 |
| Return on Equity (ROE) | 5.0962% | 4,677 |
| Retained earnings to average equity (ytd only) | 5.0962% | 3,024 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6835% | 6,307 |
| Assets per employee ($millions) | 55.7124% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0600% | 6,522 |
| Loan loss allowance to noncurrent loans | 25.0000% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 5,547 |
| Noncurrent loans to loans | 0.2400% | 5,179 |
| Net loans and leases to total assets | 66.1385% | 2,843 |
| Net loans and leases to deposits | 78.6429% | 2,875 |
| Net loans and leases to core deposits | 988.4273% | 14 |
| Total domestic deposits to total assets | 84.0998% | 3,718 |
| Equity capital to assets | 9.6061% | 4,663 |
| Core capital (leverage) ratio | 10.1125% | 3,515 |
| Tier 1 risk-based capital ratio | 21.7087% | 1,306 |
| Total risk-based capital ratio | 21.8081% | 1,504 |
| Memoranda: | ||
| Average total assets | $22,930,000,000 | 62 |
| Average earning assets | $22,719,750,000 | 58 |
| Average equity | $2,250,000,000 | 70 |
| Average total loans | $14,045,250,000 | 61 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9209% | 6,579 |
| Cost of funding earning assets | 0.3915% | 3,976 |
| Net interest margin | 1.5294% | 6,581 |
| Noninterest income to average assets | 0.0271% | 6,499 |
| Noninterest expense to average assets | 0.7394% | 6,622 |
| Loan and lease loss provision to assets | 0.0271% | 3,732 |
| Net operating income to assets | 0.4509% | 5,013 |
| Return on assets (ROA) | 0.4509% | 5,091 |
| Pretax return on assets | 0.7755% | 4,364 |
| Return on Equity (ROE) | 4.5586% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.5586% | 3,264 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9532% | 6,289 |
| Assets per employee ($millions) | 49.7136% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0674% | 6,589 |
| Loan loss allowance to noncurrent loans | 29.4118% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 5,689 |
| Noncurrent loans to loans | 0.2293% | 5,310 |
| Net loans and leases to total assets | 67.7334% | 2,456 |
| Net loans and leases to deposits | 75.7232% | 3,094 |
| Net loans and leases to core deposits | 976.6645% | 15 |
| Total domestic deposits to total assets | 89.4487% | 1,119 |
| Equity capital to assets | 10.1856% | 3,853 |
| Core capital (leverage) ratio | 10.1615% | 3,401 |
| Tier 1 risk-based capital ratio | 22.0449% | 1,253 |
| Total risk-based capital ratio | 22.1435% | 1,443 |
| Memoranda: | ||
| Average total assets | $22,179,333,330 | 64 |
| Average earning assets | $21,969,000,000 | 58 |
| Average equity | $2,193,666,670 | 71 |
| Average total loans | $13,172,000,000 | 66 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8263% | 6,658 |
| Cost of funding earning assets | 0.3978% | 3,997 |
| Net interest margin | 1.4285% | 6,663 |
| Noninterest income to average assets | 0.1970% | 5,787 |
| Noninterest expense to average assets | 0.7523% | 6,702 |
| Loan and lease loss provision to assets | 0.0358% | 3,341 |
| Net operating income to assets | 0.4836% | 4,770 |
| Return on assets (ROA) | 0.4836% | 4,842 |
| Pretax return on assets | 0.8239% | 4,006 |
| Return on Equity (ROE) | 4.9621% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.9621% | 3,131 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6667% | 6,405 |
| Assets per employee ($millions) | 51.6500% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0690% | 6,660 |
| Loan loss allowance to noncurrent loans | 47.3684% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 5,984 |
| Noncurrent loans to loans | 0.1456% | 5,652 |
| Net loans and leases to total assets | 60.1023% | 3,547 |
| Net loans and leases to deposits | 67.1162% | 3,961 |
| Net loans and leases to core deposits | 834.6991% | 17 |
| Total domestic deposits to total assets | 89.5496% | 1,344 |
| Equity capital to assets | 10.1139% | 3,705 |
| Core capital (leverage) ratio | 9.9946% | 3,583 |
| Tier 1 risk-based capital ratio | 24.1515% | 979 |
| Total risk-based capital ratio | 24.2501% | 1,136 |
| Memoranda: | ||
| Average total assets | $22,332,000,000 | 64 |
| Average earning assets | $22,121,500,000 | 57 |
| Average equity | $2,176,500,000 | 70 |
| Average total loans | $12,345,000,000 | 72 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8153% | 6,725 |
| Cost of funding earning assets | 0.4525% | 4,086 |
| Net interest margin | 1.3629% | 6,735 |
| Noninterest income to average assets | 0.2971% | 5,227 |
| Noninterest expense to average assets | 0.8642% | 6,765 |
| Loan and lease loss provision to assets | 0.0054% | 5,020 |
| Net operating income to assets | 0.4507% | 4,949 |
| Return on assets (ROA) | 0.4645% | 5,026 |
| Pretax return on assets | 0.7993% | 4,143 |
| Return on Equity (ROE) | 4.5889% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.5889% | 2,893 |
| Net charge-offs to loans | 0.0213% | 5,007 |
| Credit loss provision to net charge-offs | 50.0000% | 3,815 |
| Earnings coverage of net charge-offs (x) | 72.5000% | 587 |
| Efficiency ratio | 52.4590% | 6,257 |
| Assets per employee ($millions) | 57.0000% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0601% | 6,739 |
| Loan loss allowance to noncurrent loans | 53.8462% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 6,192 |
| Noncurrent loans to loans | 0.1117% | 5,870 |
| Net loans and leases to total assets | 50.6552% | 5,012 |
| Net loans and leases to deposits | 56.1475% | 5,290 |
| Net loans and leases to core deposits | 397.9480% | 25 |
| Total domestic deposits to total assets | 90.2181% | 959 |
| Equity capital to assets | 9.3988% | 4,545 |
| Core capital (leverage) ratio | 9.7321% | 3,938 |
| Tier 1 risk-based capital ratio | 26.5314% | 730 |
| Total risk-based capital ratio | 26.6168% | 813 |
| Memoranda: | ||
| Average total assets | $18,515,106,800 | 67 |
| Average earning assets | $18,343,680,000 | 64 |
| Average equity | $1,874,079,200 | 75 |
| Average total loans | $9,369,433,600 | 82 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8403% | 6,809 |
| Cost of funding earning assets | 0.4562% | 4,201 |
| Net interest margin | 1.3841% | 6,817 |
| Noninterest income to average assets | 0.3371% | 4,992 |
| Noninterest expense to average assets | 0.9041% | 6,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4631% | 4,959 |
| Return on assets (ROA) | 0.4827% | 5,036 |
| Pretax return on assets | 0.8352% | 4,163 |
| Return on Equity (ROE) | 4.6592% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.6592% | 3,354 |
| Net charge-offs to loans | 0.0303% | 4,526 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 838 |
| Efficiency ratio | 52.9148% | 6,183 |
| Assets per employee ($millions) | 52.6893% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0583% | 6,823 |
| Loan loss allowance to noncurrent loans | 46.1538% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 6,270 |
| Noncurrent loans to loans | 0.1263% | 5,941 |
| Net loans and leases to total assets | 47.3881% | 5,409 |
| Net loans and leases to deposits | 52.8026% | 5,641 |
| Net loans and leases to core deposits | 365.6950% | 27 |
| Total domestic deposits to total assets | 89.7457% | 1,141 |
| Equity capital to assets | 9.8213% | 4,150 |
| Core capital (leverage) ratio | 10.6495% | 2,838 |
| Tier 1 risk-based capital ratio | 29.5225% | 537 |
| Total risk-based capital ratio | 29.6050% | 591 |
| Memoranda: | ||
| Average total assets | $17,401,133,500 | 72 |
| Average earning assets | $17,243,100,000 | 66 |
| Average equity | $1,802,849,000 | 76 |
| Average total loans | $8,801,042,000 | 86 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9480% | 6,847 |
| Cost of funding earning assets | 0.4933% | 3,959 |
| Net interest margin | 1.4546% | 6,858 |
| Noninterest income to average assets | 0.5261% | 3,659 |
| Noninterest expense to average assets | 0.9270% | 6,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6068% | 4,245 |
| Return on assets (ROA) | 0.6389% | 4,258 |
| Pretax return on assets | 1.0898% | 3,133 |
| Return on Equity (ROE) | 6.0243% | 4,160 |
| Retained earnings to average equity (ytd only) | 6.0243% | 2,426 |
| Net charge-offs to loans | 0.0482% | 4,005 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 908 |
| Efficiency ratio | 47.1338% | 6,586 |
| Assets per employee ($millions) | 39.1894% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0671% | 6,869 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 6,308 |
| Noncurrent loans to loans | 0.1119% | 6,060 |
| Net loans and leases to total assets | 57.5553% | 4,055 |
| Net loans and leases to deposits | 64.9884% | 4,378 |
| Net loans and leases to core deposits | 343.1425% | 28 |
| Total domestic deposits to total assets | 88.5624% | 1,879 |
| Equity capital to assets | 11.0767% | 2,682 |
| Core capital (leverage) ratio | 10.9100% | 2,442 |
| Tier 1 risk-based capital ratio | 26.3813% | 741 |
| Total risk-based capital ratio | 26.4728% | 834 |
| Memoranda: | ||
| Average total assets | $15,965,511,330 | 76 |
| Average earning assets | $15,811,466,670 | 69 |
| Average equity | $1,693,132,000 | 79 |
| Average total loans | $8,303,722,670 | 91 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9200% | 6,932 |
| Cost of funding earning assets | 0.5236% | 3,851 |
| Net interest margin | 1.3964% | 6,945 |
| Noninterest income to average assets | 0.2965% | 5,332 |
| Noninterest expense to average assets | 0.9883% | 6,964 |
| Loan and lease loss provision to assets | -0.0247% | 6,755 |
| Net operating income to assets | 0.4200% | 5,047 |
| Return on assets (ROA) | 0.4200% | 5,199 |
| Pretax return on assets | 0.7165% | 4,506 |
| Return on Equity (ROE) | 4.0471% | 5,067 |
| Retained earnings to average equity (ytd only) | 4.0471% | 3,801 |
| Net charge-offs to loans | 0.0501% | 3,325 |
| Credit loss provision to net charge-offs | -100.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 998 |
| Efficiency ratio | 58.8235% | 5,740 |
| Assets per employee ($millions) | 43.2350% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0613% | 6,952 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 6,491 |
| Noncurrent loans to loans | 0.0736% | 6,261 |
| Net loans and leases to total assets | 51.4851% | 4,773 |
| Net loans and leases to deposits | 58.1679% | 5,009 |
| Net loans and leases to core deposits | 280.0619% | 34 |
| Total domestic deposits to total assets | 88.5111% | 2,000 |
| Equity capital to assets | 10.6926% | 3,329 |
| Core capital (leverage) ratio | 10.3425% | 2,980 |
| Tier 1 risk-based capital ratio | 27.5192% | 668 |
| Total risk-based capital ratio | 27.6006% | 743 |
| Memoranda: | ||
| Average total assets | $16,188,767,000 | 74 |
| Average earning assets | $16,041,700,000 | 69 |
| Average equity | $1,680,198,000 | 81 |
| Average total loans | $7,986,584,000 | 97 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0917% | 6,982 |
| Cost of funding earning assets | 0.6308% | 4,093 |
| Net interest margin | 1.4609% | 6,996 |
| Noninterest income to average assets | 0.4464% | 4,272 |
| Noninterest expense to average assets | 1.1164% | 6,993 |
| Loan and lease loss provision to assets | 0.0433% | 5,311 |
| Net operating income to assets | 0.4299% | 4,966 |
| Return on assets (ROA) | 0.4503% | 5,130 |
| Pretax return on assets | 0.7501% | 4,474 |
| Return on Equity (ROE) | 4.2391% | 5,047 |
| Retained earnings to average equity (ytd only) | 4.2391% | 3,246 |
| Net charge-offs to loans | 0.0003% | 5,984 |
| Credit loss provision to net charge-offs | 31,250.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 5,497.3889% | 3 |
| Efficiency ratio | 59.4506% | 5,626 |
| Assets per employee ($millions) | 42.9962% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0966% | 6,990 |
| Loan loss allowance to noncurrent loans | 377.9000% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 6,655 |
| Noncurrent loans to loans | 0.0256% | 6,460 |
| Net loans and leases to total assets | 47.2021% | 5,488 |
| Net loans and leases to deposits | 53.0600% | 5,733 |
| Net loans and leases to core deposits | 243.8792% | 44 |
| Total domestic deposits to total assets | 88.9597% | 1,589 |
| Equity capital to assets | 10.0788% | 4,059 |
| Core capital (leverage) ratio | 10.6289% | 2,624 |
| Tier 1 risk-based capital ratio | 28.6654% | 583 |
| Total risk-based capital ratio | 28.7986% | 641 |
| Memoranda: | ||
| Average total assets | $12,994,924,000 | 94 |
| Average earning assets | $12,733,214,400 | 82 |
| Average equity | $1,380,389,800 | 102 |
| Average total loans | $6,587,165,800 | 105 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2153% | 7,090 |
| Cost of funding earning assets | 0.6345% | 4,319 |
| Net interest margin | 1.5808% | 7,103 |
| Noninterest income to average assets | 0.4652% | 4,178 |
| Noninterest expense to average assets | 1.2564% | 7,059 |
| Loan and lease loss provision to assets | 0.0314% | 5,384 |
| Net operating income to assets | 0.4219% | 5,151 |
| Return on assets (ROA) | 0.4512% | 5,278 |
| Pretax return on assets | 0.7664% | 4,608 |
| Return on Equity (ROE) | 4.1741% | 5,216 |
| Retained earnings to average equity (ytd only) | 4.1741% | 3,961 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5518% | 5,066 |
| Assets per employee ($millions) | 32.1882% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0670% | 7,107 |
| Loan loss allowance to noncurrent loans | 253.2947% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 6,739 |
| Noncurrent loans to loans | 0.0265% | 6,566 |
| Net loans and leases to total assets | 58.1160% | 4,116 |
| Net loans and leases to deposits | 65.8835% | 4,484 |
| Net loans and leases to core deposits | 871.9368% | 24 |
| Total domestic deposits to total assets | 88.2103% | 1,909 |
| Equity capital to assets | 10.9082% | 3,375 |
| Core capital (leverage) ratio | 10.8627% | 2,533 |
| Tier 1 risk-based capital ratio | 26.7033% | 760 |
| Total risk-based capital ratio | 26.8035% | 848 |
| Memoranda: | ||
| Average total assets | $12,105,271,500 | 95 |
| Average earning assets | $11,818,668,000 | 88 |
| Average equity | $1,308,388,250 | 109 |
| Average total loans | $6,278,665,250 | 106 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1946% | 7,164 |
| Cost of funding earning assets | 0.6146% | 4,768 |
| Net interest margin | 1.5799% | 7,172 |
| Noninterest income to average assets | 0.4863% | 4,015 |
| Noninterest expense to average assets | 1.2992% | 7,105 |
| Loan and lease loss provision to assets | 0.0509% | 5,031 |
| Net operating income to assets | 0.3914% | 5,240 |
| Return on assets (ROA) | 0.4354% | 5,320 |
| Pretax return on assets | 0.7417% | 4,699 |
| Return on Equity (ROE) | 4.0415% | 5,244 |
| Retained earnings to average equity (ytd only) | 4.0415% | 3,917 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2236% | 4,859 |
| Assets per employee ($millions) | 29.7126% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0769% | 7,173 |
| Loan loss allowance to noncurrent loans | 475.1659% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 6,822 |
| Noncurrent loans to loans | 0.0162% | 6,651 |
| Net loans and leases to total assets | 54.2794% | 4,751 |
| Net loans and leases to deposits | 61.4119% | 5,081 |
| Net loans and leases to core deposits | 893.0625% | 23 |
| Total domestic deposits to total assets | 88.3858% | 1,899 |
| Equity capital to assets | 10.9795% | 3,144 |
| Core capital (leverage) ratio | 11.0459% | 2,255 |
| Tier 1 risk-based capital ratio | 29.8867% | 526 |
| Total risk-based capital ratio | 30.0047% | 573 |
| Memoranda: | ||
| Average total assets | $12,030,998,670 | 95 |
| Average earning assets | $11,701,059,000 | 88 |
| Average equity | $1,296,260,670 | 110 |
| Average total loans | $5,981,755,000 | 109 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2088% | 7,224 |
| Cost of funding earning assets | 0.5615% | 5,421 |
| Net interest margin | 1.6474% | 7,226 |
| Noninterest income to average assets | 0.5093% | 3,850 |
| Noninterest expense to average assets | 1.3569% | 7,144 |
| Loan and lease loss provision to assets | 0.0213% | 5,071 |
| Net operating income to assets | 0.4362% | 5,103 |
| Return on assets (ROA) | 0.4529% | 5,212 |
| Pretax return on assets | 0.7486% | 4,614 |
| Return on Equity (ROE) | 4.2433% | 5,170 |
| Retained earnings to average equity (ytd only) | 4.2433% | 4,044 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5935% | 4,820 |
| Assets per employee ($millions) | 22.8158% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0434% | 7,234 |
| Loan loss allowance to noncurrent loans | 171.2021% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 6,895 |
| Noncurrent loans to loans | 0.0254% | 6,710 |
| Net loans and leases to total assets | 49.4407% | 5,380 |
| Net loans and leases to deposits | 55.8266% | 5,626 |
| Net loans and leases to core deposits | 837.7933% | 26 |
| Total domestic deposits to total assets | 88.5612% | 1,974 |
| Equity capital to assets | 10.7180% | 3,242 |
| Core capital (leverage) ratio | 10.5715% | 2,671 |
| Tier 1 risk-based capital ratio | 27.6999% | 666 |
| Total risk-based capital ratio | 27.7605% | 750 |
| Memoranda: | ||
| Average total assets | $12,044,547,000 | 95 |
| Average earning assets | $11,634,767,000 | 90 |
| Average equity | $1,285,404,500 | 109 |
| Average total loans | $5,712,305,500 | 112 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8628% | 7,298 |
| Cost of funding earning assets | 0.4543% | 6,717 |
| Net interest margin | 1.4085% | 7,294 |
| Noninterest income to average assets | 0.5752% | 3,333 |
| Noninterest expense to average assets | 1.4466% | 7,197 |
| Loan and lease loss provision to assets | 0.0170% | 6,350 |
| Net operating income to assets | 0.2994% | 5,256 |
| Return on assets (ROA) | 0.2994% | 5,409 |
| Pretax return on assets | 0.4871% | 5,028 |
| Return on Equity (ROE) | 2.5780% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.5780% | 4,391 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1564% | 3,210 |
| Assets per employee ($millions) | 22.0542% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0358% | 7,288 |
| Loan loss allowance to noncurrent loans | 392.5553% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 6,996 |
| Noncurrent loans to loans | 0.0091% | 6,833 |
| Net loans and leases to total assets | 45.3661% | 6,068 |
| Net loans and leases to deposits | 51.0977% | 6,283 |
| Net loans and leases to core deposits | 849.1199% | 30 |
| Total domestic deposits to total assets | 88.7830% | 1,667 |
| Equity capital to assets | 10.6260% | 3,391 |
| Core capital (leverage) ratio | 10.2300% | 3,053 |
| Tier 1 risk-based capital ratio | 31.8787% | 430 |
| Total risk-based capital ratio | 31.9367% | 471 |
| Memoranda: | ||
| Average total assets | $9,503,768,400 | 112 |
| Average earning assets | $9,280,460,600 | 103 |
| Average equity | $1,103,743,400 | 116 |
| Average total loans | $3,843,779,400 | 146 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7584% | 7,381 |
| Cost of funding earning assets | 0.4322% | 6,933 |
| Net interest margin | 1.3262% | 7,378 |
| Noninterest income to average assets | 0.6184% | 3,061 |
| Noninterest expense to average assets | 1.4713% | 7,246 |
| Loan and lease loss provision to assets | 0.0192% | 6,200 |
| Net operating income to assets | 0.2368% | 5,599 |
| Return on assets (ROA) | 0.2368% | 5,742 |
| Pretax return on assets | 0.4218% | 5,399 |
| Return on Equity (ROE) | 1.9823% | 5,784 |
| Retained earnings to average equity (ytd only) | 1.9823% | 5,147 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9367% | 2,685 |
| Assets per employee ($millions) | 22.5744% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0348% | 7,364 |
| Loan loss allowance to noncurrent loans | 324.5473% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 7,078 |
| Noncurrent loans to loans | 0.0107% | 6,930 |
| Net loans and leases to total assets | 36.2816% | 6,854 |
| Net loans and leases to deposits | 41.6509% | 6,925 |
| Net loans and leases to core deposits | 426.0749% | 34 |
| Total domestic deposits to total assets | 87.1087% | 2,586 |
| Equity capital to assets | 9.8512% | 4,548 |
| Core capital (leverage) ratio | 13.5107% | 1,043 |
| Tier 1 risk-based capital ratio | 34.6931% | 363 |
| Total risk-based capital ratio | 34.7447% | 392 |
| Memoranda: | ||
| Average total assets | $8,874,825,750 | 119 |
| Average earning assets | $8,658,943,500 | 109 |
| Average equity | $1,060,379,500 | 119 |
| Average total loans | $3,441,038,250 | 162 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8277% | 7,456 |
| Cost of funding earning assets | 0.4780% | 6,920 |
| Net interest margin | 1.3498% | 7,454 |
| Noninterest income to average assets | 0.3221% | 5,319 |
| Noninterest expense to average assets | 1.4663% | 7,327 |
| Loan and lease loss provision to assets | 0.0282% | 5,951 |
| Net operating income to assets | 0.0981% | 6,025 |
| Return on assets (ROA) | 0.0981% | 6,104 |
| Pretax return on assets | 0.1476% | 6,025 |
| Return on Equity (ROE) | 0.7669% | 6,130 |
| Retained earnings to average equity (ytd only) | 0.7669% | 5,552 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2987% | 1,298 |
| Assets per employee ($millions) | 13.8927% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0357% | 7,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 50.6476% | 5,735 |
| Net loans and leases to deposits | 59.2274% | 5,803 |
| Net loans and leases to core deposits | 526.5948% | 35 |
| Total domestic deposits to total assets | 85.5139% | 3,617 |
| Equity capital to assets | 13.8431% | 1,152 |
| Core capital (leverage) ratio | 14.1976% | 827 |
| Tier 1 risk-based capital ratio | 40.7627% | 234 |
| Total risk-based capital ratio | 40.8285% | 248 |
| Memoranda: | ||
| Average total assets | $7,541,627,670 | 133 |
| Average earning assets | $7,375,227,670 | 124 |
| Average equity | $964,876,330 | 126 |
| Average total loans | $3,042,267,670 | 178 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6239% | 7,524 |
| Cost of funding earning assets | 0.4954% | 6,985 |
| Net interest margin | 1.1285% | 7,526 |
| Noninterest income to average assets | 0.4323% | 4,437 |
| Noninterest expense to average assets | 1.5604% | 7,332 |
| Loan and lease loss provision to assets | 0.0470% | 5,412 |
| Net operating income to assets | -0.0305% | 6,388 |
| Return on assets (ROA) | -0.0305% | 6,410 |
| Pretax return on assets | -0.0733% | 6,429 |
| Return on Equity (ROE) | -0.2494% | 6,408 |
| Retained earnings to average equity (ytd only) | -0.2494% | 5,837 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7113% | 685 |
| Assets per employee ($millions) | 14.6334% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0389% | 7,492 |
| Loan loss allowance to noncurrent loans | 393.1818% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 7,196 |
| Noncurrent loans to loans | 0.0099% | 7,054 |
| Net loans and leases to total assets | 41.9970% | 6,615 |
| Net loans and leases to deposits | 48.2574% | 6,742 |
| Net loans and leases to core deposits | 420.2012% | 37 |
| Total domestic deposits to total assets | 87.0270% | 2,922 |
| Equity capital to assets | 12.3337% | 1,721 |
| Core capital (leverage) ratio | 12.0421% | 1,540 |
| Tier 1 risk-based capital ratio | 42.2620% | 205 |
| Total risk-based capital ratio | 42.3306% | 214 |
| Memoranda: | ||
| Average total assets | $7,450,258,000 | 139 |
| Average earning assets | $7,274,219,000 | 128 |
| Average equity | $912,669,000 | 129 |
| Average total loans | $2,606,598,000 | 197 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9252% | 7,603 |
| Cost of funding earning assets | 0.5551% | 7,218 |
| Net interest margin | 0.3701% | 7,617 |
| Noninterest income to average assets | 1.8610% | 449 |
| Noninterest expense to average assets | 0.9781% | 7,583 |
| Loan and lease loss provision to assets | 0.0048% | 7,023 |
| Net operating income to assets | 0.6942% | 3,250 |
| Return on assets (ROA) | 0.6942% | 3,379 |
| Pretax return on assets | 1.2387% | 2,108 |
| Return on Equity (ROE) | 6.1636% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.1636% | 1,738 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0273% | 7,420 |
| Assets per employee ($millions) | 14.7851% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0159% | 7,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 28.0413% | 7,404 |
| Net loans and leases to deposits | 32.1928% | 7,427 |
| Net loans and leases to core deposits | 288.6922% | 49 |
| Total domestic deposits to total assets | 87.1042% | 2,765 |
| Equity capital to assets | 12.1676% | 1,817 |
| Core capital (leverage) ratio | 12.3538% | 1,372 |
| Tier 1 risk-based capital ratio | 37.4086% | 288 |
| Total risk-based capital ratio | 37.4241% | 311 |
| Memoranda: | ||
| Average total assets | $7,045,792,400 | 140 |
| Average earning assets | $6,865,474,200 | 135 |
| Average equity | $793,607,000 | 137 |
| Average total loans | $688,136,000 | 638 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7693% | 7,731 |
| Cost of funding earning assets | 0.5797% | 7,326 |
| Net interest margin | 0.1895% | 7,745 |
| Noninterest income to average assets | 2.4126% | 292 |
| Noninterest expense to average assets | 0.8894% | 7,710 |
| Loan and lease loss provision to assets | 0.0069% | 6,951 |
| Net operating income to assets | 0.9624% | 2,364 |
| Return on assets (ROA) | 0.9624% | 2,489 |
| Pretax return on assets | 1.7007% | 1,117 |
| Return on Equity (ROE) | 8.7334% | 2,588 |
| Retained earnings to average equity (ytd only) | 8.7334% | 1,144 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2459% | 7,647 |
| Assets per employee ($millions) | 16.2924% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0398% | 7,679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 12.5477% | 7,679 |
| Net loans and leases to deposits | 14.6293% | 7,689 |
| Net loans and leases to core deposits | 134.0870% | 324 |
| Total domestic deposits to total assets | 85.7714% | 3,207 |
| Equity capital to assets | 12.7151% | 1,738 |
| Core capital (leverage) ratio | 13.0116% | 1,224 |
| Tier 1 risk-based capital ratio | 26.9074% | 705 |
| Total risk-based capital ratio | 26.9185% | 786 |
| Memoranda: | ||
| Average total assets | $6,933,233,500 | 140 |
| Average earning assets | $6,742,198,500 | 134 |
| Average equity | $763,986,250 | 138 |
| Average total loans | $334,590,000 | 1,349 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6738% | 7,808 |
| Cost of funding earning assets | 0.6187% | 7,368 |
| Net interest margin | 0.0551% | 7,822 |
| Noninterest income to average assets | 3.1815% | 208 |
| Noninterest expense to average assets | 0.9564% | 7,779 |
| Loan and lease loss provision to assets | 0.0106% | 6,799 |
| Net operating income to assets | 1.3526% | 1,185 |
| Return on assets (ROA) | 1.3526% | 1,258 |
| Pretax return on assets | 2.2683% | 357 |
| Return on Equity (ROE) | 12.9712% | 1,247 |
| Retained earnings to average equity (ytd only) | 12.9712% | 382 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5623% | 7,753 |
| Assets per employee ($millions) | 25.9050% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1160% | 7,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 4.5774% | 7,773 |
| Net loans and leases to deposits | 5.2239% | 7,780 |
| Net loans and leases to core deposits | 204.6774% | 88 |
| Total domestic deposits to total assets | 87.6258% | 2,195 |
| Equity capital to assets | 11.3399% | 2,558 |
| Core capital (leverage) ratio | 11.2755% | 2,048 |
| Tier 1 risk-based capital ratio | 76.3434% | 70 |
| Total risk-based capital ratio | 76.3805% | 72 |
| Memoranda: | ||
| Average total assets | $6,854,766,330 | 141 |
| Average earning assets | $6,698,401,000 | 137 |
| Average equity | $714,815,670 | 143 |
| Average total loans | $146,167,330 | 2,899 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5828% | 7,913 |
| Cost of funding earning assets | 0.7479% | 7,236 |
| Net interest margin | -0.1651% | 7,928 |
| Noninterest income to average assets | 3.9457% | 168 |
| Noninterest expense to average assets | 0.9739% | 7,878 |
| Loan and lease loss provision to assets | 0.0220% | 6,431 |
| Net operating income to assets | 1.5637% | 804 |
| Return on assets (ROA) | 1.5637% | 862 |
| Pretax return on assets | 2.7880% | 163 |
| Return on Equity (ROE) | 15.6828% | 765 |
| Retained earnings to average equity (ytd only) | 15.6828% | 361 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.7388% | 7,878 |
| Assets per employee ($millions) | 17.4138% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3619% | 7,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 1.4901% | 7,881 |
| Net loans and leases to deposits | 1.6916% | 7,883 |
| Net loans and leases to core deposits | 74.3321% | 5,468 |
| Total domestic deposits to total assets | 88.0854% | 2,012 |
| Equity capital to assets | 10.9221% | 2,834 |
| Core capital (leverage) ratio | 10.8585% | 2,327 |
| Tier 1 risk-based capital ratio | 82.9875% | 63 |
| Total risk-based capital ratio | 83.0289% | 64 |
| Memoranda: | ||
| Average total assets | $6,849,742,000 | 141 |
| Average earning assets | $6,710,875,500 | 136 |
| Average equity | $682,992,000 | 146 |
| Average total loans | $61,952,000 | 5,183 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6192% | 7,989 |
| Cost of funding earning assets | 0.8411% | 7,495 |
| Net interest margin | -0.2219% | 8,007 |
| Noninterest income to average assets | 3.4254% | 199 |
| Noninterest expense to average assets | 0.9082% | 7,952 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4009% | 851 |
| Return on assets (ROA) | 1.4009% | 910 |
| Pretax return on assets | 2.2992% | 225 |
| Return on Equity (ROE) | 19.0524% | 301 |
| Retained earnings to average equity (ytd only) | 19.0524% | 42 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3162% | 7,949 |
| Assets per employee ($millions) | 18.4463% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 0.2962% | 7,959 |
| Net loans and leases to deposits | 0.3283% | 7,961 |
| Net loans and leases to core deposits | 0.3283% | 7,955 |
| Total domestic deposits to total assets | 90.2145% | 874 |
| Equity capital to assets | 8.9923% | 5,159 |
| Core capital (leverage) ratio | 8.9243% | 4,550 |
| Tier 1 risk-based capital ratio | 70.2839% | 89 |
| Total risk-based capital ratio | 70.2839% | 89 |
| Memoranda: | ||
| Average total assets | $6,371,691,600 | 147 |
| Average earning assets | $6,259,160,200 | 135 |
| Average equity | $468,508,600 | 191 |
| Average total loans | $3,999,200 | 7,919 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6376% | 8,074 |
| Cost of funding earning assets | 0.7641% | 7,747 |
| Net interest margin | -0.1264% | 8,094 |
| Noninterest income to average assets | 3.5533% | 180 |
| Noninterest expense to average assets | 0.9126% | 8,045 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4932% | 828 |
| Return on assets (ROA) | 1.4932% | 883 |
| Pretax return on assets | 2.5164% | 185 |
| Return on Equity (ROE) | 21.6027% | 222 |
| Retained earnings to average equity (ytd only) | 21.6027% | 46 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.6143% | 8,028 |
| Assets per employee ($millions) | 24.9078% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 91.6969% | 226 |
| Equity capital to assets | 7.4771% | 7,310 |
| Core capital (leverage) ratio | 7.4524% | 7,034 |
| Tier 1 risk-based capital ratio | 59.0871% | 122 |
| Total risk-based capital ratio | 59.0871% | 124 |
| Memoranda: | ||
| Average total assets | $6,276,774,000 | 155 |
| Average earning assets | $6,168,981,500 | 144 |
| Average equity | $433,860,000 | 204 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6478% | 8,166 |
| Cost of funding earning assets | 0.5734% | 8,004 |
| Net interest margin | 0.0744% | 8,176 |
| Noninterest income to average assets | 3.0555% | 208 |
| Noninterest expense to average assets | 0.9570% | 8,132 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2947% | 1,240 |
| Return on assets (ROA) | 1.2947% | 1,324 |
| Pretax return on assets | 2.1716% | 382 |
| Return on Equity (ROE) | 19.2936% | 385 |
| Retained earnings to average equity (ytd only) | 19.2936% | 81 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5900% | 8,099 |
| Assets per employee ($millions) | 24.2634% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 92.3366% | 164 |
| Equity capital to assets | 7.0440% | 7,587 |
| Core capital (leverage) ratio | 7.0187% | 7,522 |
| Tier 1 risk-based capital ratio | 52.5834% | 164 |
| Total risk-based capital ratio | 52.5834% | 174 |
| Memoranda: | ||
| Average total assets | $6,168,845,330 | 160 |
| Average earning assets | $6,063,117,670 | 148 |
| Average equity | $413,970,670 | 214 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6251% | 8,223 |
| Cost of funding earning assets | 0.4746% | 8,108 |
| Net interest margin | 0.1505% | 8,226 |
| Noninterest income to average assets | 4.3557% | 151 |
| Noninterest expense to average assets | 0.8829% | 8,184 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.1645% | 249 |
| Return on assets (ROA) | 2.1645% | 289 |
| Pretax return on assets | 3.6207% | 75 |
| Return on Equity (ROE) | 33.1621% | 72 |
| Retained earnings to average equity (ytd only) | 33.1621% | 40 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.6049% | 8,188 |
| Assets per employee ($millions) | 23.5819% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 88.5288% | 1,471 |
| Equity capital to assets | 6.1856% | 7,962 |
| Core capital (leverage) ratio | 6.1596% | 7,977 |
| Tier 1 risk-based capital ratio | 28.2113% | 738 |
| Total risk-based capital ratio | 28.2113% | 802 |
| Memoranda: | ||
| Average total assets | $5,965,583,500 | 168 |
| Average earning assets | $5,862,382,500 | 151 |
| Average equity | $389,372,500 | 222 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7840% | 8,188 |
| Cost of funding earning assets | 1.6173% | 7,413 |
| Net interest margin | 1.1666% | 8,216 |
| Noninterest income to average assets | -0.4908% | 8,270 |
| Noninterest expense to average assets | 1.1518% | 8,175 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.3142% | 6,748 |
| Return on assets (ROA) | -0.3142% | 6,614 |
| Pretax return on assets | -0.4933% | 6,650 |
| Return on Equity (ROE) | -4.4088% | 6,796 |
| Retained earnings to average equity (ytd only) | -4.4088% | 6,403 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 174.9190% | 267 |
| Assets per employee ($millions) | 19.3360% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 90.9429% | 349 |
| Equity capital to assets | 6.9433% | 7,763 |
| Core capital (leverage) ratio | 6.9114% | 7,751 |
| Tier 1 risk-based capital ratio | 32.4131% | 531 |
| Total risk-based capital ratio | 32.4131% | 574 |
| Memoranda: | ||
| Average total assets | $5,107,213,200 | 180 |
| Average earning assets | $5,031,189,200 | 170 |
| Average equity | $364,018,800 | 238 |
| Average total loans | NA | NA |