Home > Prosperity Bank > Performance and Condition Ratios
Prosperity 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 | 4.2823% | 3,469 |
| Cost of funding earning assets | 1.4363% | 2,119 |
| Net interest margin | 2.8460% | 3,578 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.3971% | 4,392 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1184% | 1,865 |
| Return on assets (ROA) | 1.1184% | 1,835 |
| Pretax return on assets | 1.4216% | 1,590 |
| Return on Equity (ROE) | 6.2800% | 3,466 |
| Retained earnings to average equity (ytd only) | 0.8579% | 3,864 |
| Net charge-offs to loans | 0.1854% | 581 |
| Credit loss provision to net charge-offs | 31.5443% | 2,272 |
| Earnings coverage of net charge-offs (x) | 14.9533% | 2,061 |
| Efficiency ratio | 47.5920% | 4,108 |
| Assets per employee ($millions) | 10.0148% | 701 |
| Cash dividends to net income (ytd only)* | 86.3341% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 900 |
| Loan loss allowance to noncurrent loans | 468.8882% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1883% | 2,286 |
| Noncurrent loans to loans | 0.3347% | 1,981 |
| Net loans and leases to total assets | 54.0700% | 3,343 |
| Net loans and leases to deposits | 76.5296% | 2,401 |
| Net loans and leases to core deposits | 80.0438% | 2,701 |
| Total domestic deposits to total assets | 70.6500% | 4,270 |
| Equity capital to assets | 18.3098% | 333 |
| Core capital (leverage) ratio | 10.3460% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5036% | 1,180 |
| Memoranda: | ||
| Average total assets | $38,656,963,800 | 57 |
| Average earning assets | $33,934,939,200 | 61 |
| Average equity | $6,886,649,000 | 37 |
| Average total loans | $20,488,276,600 | 65 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 3,434 |
| Cost of funding earning assets | 1.3659% | 1,960 |
| Net interest margin | 2.8536% | 3,632 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.3515% | 4,426 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.1505% | 1,919 |
| Return on assets (ROA) | 1.1505% | 1,900 |
| Pretax return on assets | 1.4634% | 1,650 |
| Return on Equity (ROE) | 6.5000% | 3,545 |
| Retained earnings to average equity (ytd only) | 0.2835% | 4,070 |
| Net charge-offs to loans | 0.1238% | 657 |
| Credit loss provision to net charge-offs | 63.5486% | 1,840 |
| Earnings coverage of net charge-offs (x) | 23.4969% | 1,732 |
| Efficiency ratio | 45.8546% | 4,143 |
| Assets per employee ($millions) | 10.0948% | 643 |
| Cash dividends to net income (ytd only)* | 95.6408% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 804 |
| Loan loss allowance to noncurrent loans | 584.5973% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 2,404 |
| Noncurrent loans to loans | 0.2805% | 2,233 |
| Net loans and leases to total assets | 53.6400% | 3,392 |
| Net loans and leases to deposits | 76.8582% | 2,348 |
| Net loans and leases to core deposits | 79.9799% | 2,604 |
| Total domestic deposits to total assets | 69.8000% | 4,328 |
| Equity capital to assets | 17.8493% | 352 |
| Core capital (leverage) ratio | 9.9919% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9978% | 1,319 |
| Memoranda: | ||
| Average total assets | $38,682,002,250 | 58 |
| Average earning assets | $33,981,350,750 | 62 |
| Average equity | $6,843,394,500 | 38 |
| Average total loans | $20,315,211,250 | 68 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1004% | 3,487 |
| Cost of funding earning assets | 1.2268% | 1,912 |
| Net interest margin | 2.8736% | 3,692 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 1.3539% | 4,448 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.1334% | 2,024 |
| Return on assets (ROA) | 1.1334% | 2,020 |
| Pretax return on assets | 1.4437% | 1,714 |
| Return on Equity (ROE) | 6.4300% | 3,586 |
| Retained earnings to average equity (ytd only) | -1.3319% | 4,240 |
| Net charge-offs to loans | 0.1549% | 503 |
| Credit loss provision to net charge-offs | 77.5663% | 1,562 |
| Earnings coverage of net charge-offs (x) | 19.1767% | 1,751 |
| Efficiency ratio | 45.7893% | 4,174 |
| Assets per employee ($millions) | 10.7558% | 538 |
| Cash dividends to net income (ytd only)* | 120.7261% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 945 |
| Loan loss allowance to noncurrent loans | 580.5052% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 2,452 |
| Noncurrent loans to loans | 0.2746% | 2,170 |
| Net loans and leases to total assets | 53.4000% | 3,314 |
| Net loans and leases to deposits | 77.5935% | 2,166 |
| Net loans and leases to core deposits | 80.2947% | 2,447 |
| Total domestic deposits to total assets | 68.8200% | 4,384 |
| Equity capital to assets | 17.4270% | 367 |
| Core capital (leverage) ratio | 9.9384% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4830% | 1,430 |
| Memoranda: | ||
| Average total assets | $38,476,344,000 | 57 |
| Average earning assets | $33,811,310,000 | 61 |
| Average equity | $6,786,324,667 | 38 |
| Average total loans | $19,942,710,667 | 66 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 3,497 |
| Cost of funding earning assets | 1.0072% | 2,021 |
| Net interest margin | 2.9684% | 3,662 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.2613% | 4,557 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3516% | 1,544 |
| Return on assets (ROA) | 1.3516% | 1,513 |
| Pretax return on assets | 1.7169% | 1,240 |
| Return on Equity (ROE) | 7.6200% | 3,383 |
| Retained earnings to average equity (ytd only) | 2.3013% | 3,650 |
| Net charge-offs to loans | -0.0129% | 3,935 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.5073% | 4,404 |
| Assets per employee ($millions) | 10.3612% | 620 |
| Cash dividends to net income (ytd only)* | 69.7800% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4595% | 1,398 |
| Loan loss allowance to noncurrent loans | 1,254.4052% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 3,147 |
| Noncurrent loans to loans | 0.1164% | 2,937 |
| Net loans and leases to total assets | 50.3600% | 3,460 |
| Net loans and leases to deposits | 70.3940% | 2,574 |
| Net loans and leases to core deposits | 72.2686% | 2,800 |
| Total domestic deposits to total assets | 71.5500% | 4,373 |
| Equity capital to assets | 17.7687% | 313 |
| Core capital (leverage) ratio | 10.0263% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3512% | 1,300 |
| Memoranda: | ||
| Average total assets | $37,762,430,500 | 61 |
| Average earning assets | $33,186,601,500 | 64 |
| Average equity | $6,702,433,000 | 41 |
| Average total loans | $19,087,093,000 | 71 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2890% | 3,610 |
| Cost of funding earning assets | 0.2686% | 3,170 |
| Net interest margin | 3.0204% | 3,396 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.2405% | 4,590 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4184% | 1,084 |
| Return on assets (ROA) | 1.4184% | 1,047 |
| Pretax return on assets | 1.7981% | 737 |
| Return on Equity (ROE) | 8.2100% | 3,327 |
| Retained earnings to average equity (ytd only) | 4.2775% | 3,311 |
| Net charge-offs to loans | 0.0260% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 141.5273% | 817 |
| Efficiency ratio | 39.9251% | 4,539 |
| Assets per employee ($millions) | 10.3760% | 595 |
| Cash dividends to net income (ytd only)* | 47.8678% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 1,219 |
| Loan loss allowance to noncurrent loans | 1,102.8789% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,057 |
| Noncurrent loans to loans | 0.1355% | 2,835 |
| Net loans and leases to total assets | 49.2300% | 3,564 |
| Net loans and leases to deposits | 64.9350% | 2,960 |
| Net loans and leases to core deposits | 66.3620% | 3,109 |
| Total domestic deposits to total assets | 75.8200% | 4,269 |
| Equity capital to assets | 17.7291% | 307 |
| Core capital (leverage) ratio | 10.1228% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4597% | 1,249 |
| Memoranda: | ||
| Average total assets | $37,810,918,400 | 63 |
| Average earning assets | $33,335,942,200 | 64 |
| Average equity | $6,536,302,200 | 42 |
| Average total loans | $18,447,725,400 | 73 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1424% | 3,574 |
| Cost of funding earning assets | 0.1487% | 3,855 |
| Net interest margin | 2.9937% | 3,232 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.2482% | 4,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3923% | 1,115 |
| Return on assets (ROA) | 1.3923% | 1,084 |
| Pretax return on assets | 1.7668% | 790 |
| Return on Equity (ROE) | 8.1100% | 3,294 |
| Retained earnings to average equity (ytd only) | 3.9065% | 3,472 |
| Net charge-offs to loans | 0.0305% | 1,226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 119.3585% | 850 |
| Efficiency ratio | 40.4907% | 4,561 |
| Assets per employee ($millions) | 10.5346% | 560 |
| Cash dividends to net income (ytd only)* | 51.8078% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 1,232 |
| Loan loss allowance to noncurrent loans | 1,558.3973% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,355 |
| Noncurrent loans to loans | 0.0978% | 3,179 |
| Net loans and leases to total assets | 48.1600% | 3,615 |
| Net loans and leases to deposits | 61.9858% | 3,024 |
| Net loans and leases to core deposits | 63.5561% | 3,153 |
| Total domestic deposits to total assets | 77.7000% | 4,280 |
| Equity capital to assets | 17.4344% | 299 |
| Core capital (leverage) ratio | 9.9166% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0440% | 1,415 |
| Memoranda: | ||
| Average total assets | $37,839,655,500 | 66 |
| Average earning assets | $33,387,974,750 | 65 |
| Average equity | $6,499,589,250 | 45 |
| Average total loans | $18,349,700,000 | 74 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0350% | 3,464 |
| Cost of funding earning assets | 0.1100% | 4,083 |
| Net interest margin | 2.9250% | 3,102 |
| Noninterest income to average assets | 0.3809% | 2,864 |
| Noninterest expense to average assets | 1.2493% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3533% | 1,013 |
| Return on assets (ROA) | 1.3533% | 997 |
| Pretax return on assets | 1.7144% | 728 |
| Return on Equity (ROE) | 7.9181% | 3,038 |
| Retained earnings to average equity (ytd only) | 3.0404% | 3,429 |
| Net charge-offs to loans | 0.0265% | 1,186 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 133.9793% | 696 |
| Efficiency ratio | 41.2259% | 4,587 |
| Assets per employee ($millions) | 10.4613% | 575 |
| Cash dividends to net income (ytd only)* | 61.6017% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5595% | 1,246 |
| Loan loss allowance to noncurrent loans | 1,376.3038% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 3,390 |
| Noncurrent loans to loans | 0.1133% | 3,175 |
| Net loans and leases to total assets | 47.9153% | 3,562 |
| Net loans and leases to deposits | 59.8495% | 3,059 |
| Net loans and leases to core deposits | 61.6503% | 3,144 |
| Total domestic deposits to total assets | 80.0598% | 4,221 |
| Equity capital to assets | 17.3928% | 255 |
| Core capital (leverage) ratio | 9.5497% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8653% | 1,469 |
| Memoranda: | ||
| Average total assets | $37,839,423,000 | 65 |
| Average earning assets | $33,412,908,000 | 65 |
| Average equity | $6,467,041,000 | 45 |
| Average total loans | $18,297,504,000 | 73 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9624% | 3,364 |
| Cost of funding earning assets | 0.1070% | 4,051 |
| Net interest margin | 2.8554% | 2,972 |
| Noninterest income to average assets | 0.3708% | 2,865 |
| Noninterest expense to average assets | 1.2301% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3142% | 973 |
| Return on assets (ROA) | 1.3142% | 958 |
| Pretax return on assets | 1.6638% | 736 |
| Return on Equity (ROE) | 7.7572% | 2,775 |
| Retained earnings to average equity (ytd only) | 4.7792% | 2,675 |
| Net charge-offs to loans | 0.0265% | 1,054 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 130.0666% | 584 |
| Efficiency ratio | 41.5534% | 4,612 |
| Assets per employee ($millions) | 10.6467% | 569 |
| Cash dividends to net income (ytd only)* | 38.3902% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5783% | 1,329 |
| Loan loss allowance to noncurrent loans | 1,120.0432% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,358 |
| Noncurrent loans to loans | 0.1409% | 3,105 |
| Net loans and leases to total assets | 46.4597% | 3,538 |
| Net loans and leases to deposits | 57.1052% | 3,167 |
| Net loans and leases to core deposits | 59.2247% | 3,212 |
| Total domestic deposits to total assets | 81.3581% | 4,161 |
| Equity capital to assets | 16.9452% | 272 |
| Core capital (leverage) ratio | 9.4027% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9225% | 1,536 |
| Memoranda: | ||
| Average total assets | $38,054,385,000 | 65 |
| Average earning assets | $33,626,004,000 | 66 |
| Average equity | $6,447,289,500 | 47 |
| Average total loans | $18,341,834,000 | 75 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3315% | 3,107 |
| Cost of funding earning assets | 0.1734% | 3,740 |
| Net interest margin | 3.1581% | 2,718 |
| Noninterest income to average assets | 0.3919% | 3,092 |
| Noninterest expense to average assets | 1.2783% | 4,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4770% | 1,071 |
| Return on assets (ROA) | 1.4770% | 1,122 |
| Pretax return on assets | 1.8720% | 782 |
| Return on Equity (ROE) | 8.4913% | 3,082 |
| Retained earnings to average equity (ytd only) | 4.8345% | 2,846 |
| Net charge-offs to loans | 0.1535% | 624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 22.7097% | 1,791 |
| Efficiency ratio | 39.5588% | 4,695 |
| Assets per employee ($millions) | 10.2144% | 627 |
| Cash dividends to net income (ytd only)* | 43.0647% | 1,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,433 |
| Loan loss allowance to noncurrent loans | 1,054.5736% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,441 |
| Noncurrent loans to loans | 0.1459% | 3,211 |
| Net loans and leases to total assets | 48.4479% | 3,459 |
| Net loans and leases to deposits | 59.4875% | 3,126 |
| Net loans and leases to core deposits | 61.9587% | 3,169 |
| Total domestic deposits to total assets | 81.4422% | 4,048 |
| Equity capital to assets | 16.9394% | 301 |
| Core capital (leverage) ratio | 9.5809% | 2,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3869% | 1,716 |
| Memoranda: | ||
| Average total assets | $36,015,195,600 | 62 |
| Average earning assets | $31,457,282,200 | 69 |
| Average equity | $6,264,787,400 | 47 |
| Average total loans | $19,342,298,200 | 71 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4189% | 3,050 |
| Cost of funding earning assets | 0.1963% | 3,642 |
| Net interest margin | 3.2226% | 2,663 |
| Noninterest income to average assets | 0.3970% | 3,102 |
| Noninterest expense to average assets | 1.2925% | 4,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5080% | 1,251 |
| Return on assets (ROA) | 1.5080% | 1,302 |
| Pretax return on assets | 1.9111% | 928 |
| Return on Equity (ROE) | 8.6093% | 3,231 |
| Retained earnings to average equity (ytd only) | 4.7544% | 3,310 |
| Net charge-offs to loans | 0.1972% | 428 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 17.6482% | 1,807 |
| Efficiency ratio | 39.3281% | 4,740 |
| Assets per employee ($millions) | 10.0718% | 625 |
| Cash dividends to net income (ytd only)* | 44.7758% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 1,579 |
| Loan loss allowance to noncurrent loans | 796.1273% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 3,439 |
| Noncurrent loans to loans | 0.1903% | 3,187 |
| Net loans and leases to total assets | 51.1377% | 3,288 |
| Net loans and leases to deposits | 63.1818% | 2,939 |
| Net loans and leases to core deposits | 66.0716% | 2,948 |
| Total domestic deposits to total assets | 80.9373% | 4,103 |
| Equity capital to assets | 17.3327% | 314 |
| Core capital (leverage) ratio | 9.5162% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1412% | 1,914 |
| Memoranda: | ||
| Average total assets | $35,560,499,500 | 62 |
| Average earning assets | $30,970,083,500 | 69 |
| Average equity | $6,228,773,500 | 48 |
| Average total loans | $19,523,836,750 | 72 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4863% | 2,925 |
| Cost of funding earning assets | 0.2201% | 3,558 |
| Net interest margin | 3.2662% | 2,560 |
| Noninterest income to average assets | 0.4067% | 3,073 |
| Noninterest expense to average assets | 1.3017% | 4,786 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5328% | 1,209 |
| Return on assets (ROA) | 1.5328% | 1,271 |
| Pretax return on assets | 1.9419% | 933 |
| Return on Equity (ROE) | 8.7192% | 3,186 |
| Retained earnings to average equity (ytd only) | 5.7816% | 2,899 |
| Net charge-offs to loans | 0.1338% | 593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 25.9551% | 1,395 |
| Efficiency ratio | 39.1131% | 4,773 |
| Assets per employee ($millions) | 9.6933% | 674 |
| Cash dividends to net income (ytd only)* | 33.6907% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 1,347 |
| Loan loss allowance to noncurrent loans | 912.0265% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 3,587 |
| Noncurrent loans to loans | 0.1725% | 3,352 |
| Net loans and leases to total assets | 52.4929% | 3,296 |
| Net loans and leases to deposits | 64.9062% | 2,907 |
| Net loans and leases to core deposits | 68.1212% | 2,952 |
| Total domestic deposits to total assets | 80.8750% | 4,106 |
| Equity capital to assets | 17.4092% | 304 |
| Core capital (leverage) ratio | 9.4409% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6106% | 1,758 |
| Memoranda: | ||
| Average total assets | $35,243,880,333 | 62 |
| Average earning assets | $30,609,731,000 | 69 |
| Average equity | $6,195,620,667 | 48 |
| Average total loans | $19,712,538,333 | 71 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5984% | 2,643 |
| Cost of funding earning assets | 0.2372% | 3,585 |
| Net interest margin | 3.3612% | 2,213 |
| Noninterest income to average assets | 0.3979% | 3,100 |
| Noninterest expense to average assets | 1.3340% | 4,798 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5698% | 1,180 |
| Return on assets (ROA) | 1.5698% | 1,236 |
| Pretax return on assets | 1.9877% | 964 |
| Return on Equity (ROE) | 8.8854% | 3,072 |
| Retained earnings to average equity (ytd only) | 6.0242% | 2,890 |
| Net charge-offs to loans | 0.1777% | 444 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 19.5321% | 1,261 |
| Efficiency ratio | 39.1472% | 4,771 |
| Assets per employee ($millions) | 9.3886% | 723 |
| Cash dividends to net income (ytd only)* | 32.2012% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,385 |
| Loan loss allowance to noncurrent loans | 708.8698% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 3,561 |
| Noncurrent loans to loans | 0.2207% | 3,310 |
| Net loans and leases to total assets | 54.3575% | 3,204 |
| Net loans and leases to deposits | 67.0907% | 2,802 |
| Net loans and leases to core deposits | 70.3877% | 2,837 |
| Total domestic deposits to total assets | 81.0210% | 4,061 |
| Equity capital to assets | 17.4266% | 281 |
| Core capital (leverage) ratio | 9.6241% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9746% | 1,905 |
| Memoranda: | ||
| Average total assets | $34,816,805,000 | 65 |
| Average earning assets | $30,286,039,500 | 70 |
| Average equity | $6,151,248,500 | 47 |
| Average total loans | $19,942,915,000 | 72 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 2,548 |
| Cost of funding earning assets | 0.4014% | 3,566 |
| Net interest margin | 3.6590% | 1,940 |
| Noninterest income to average assets | 0.4064% | 3,061 |
| Noninterest expense to average assets | 1.4682% | 4,802 |
| Loan and lease loss provision to assets | 0.0609% | 3,608 |
| Net operating income to assets | 1.6477% | 576 |
| Return on assets (ROA) | 1.6477% | 622 |
| Pretax return on assets | 2.0231% | 439 |
| Return on Equity (ROE) | 8.9490% | 2,414 |
| Retained earnings to average equity (ytd only) | 3.1424% | 3,263 |
| Net charge-offs to loans | 0.1596% | 1,022 |
| Credit loss provision to net charge-offs | 62.6194% | 3,077 |
| Earnings coverage of net charge-offs (x) | 21.4350% | 1,898 |
| Efficiency ratio | 40.2027% | 4,864 |
| Assets per employee ($millions) | 9.0707% | 723 |
| Cash dividends to net income (ytd only)* | 64.8856% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 1,395 |
| Loan loss allowance to noncurrent loans | 646.5674% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 3,407 |
| Noncurrent loans to loans | 0.2414% | 3,329 |
| Net loans and leases to total assets | 58.5003% | 3,034 |
| Net loans and leases to deposits | 72.7250% | 2,615 |
| Net loans and leases to core deposits | 76.4733% | 2,682 |
| Total domestic deposits to total assets | 80.4405% | 3,971 |
| Equity capital to assets | 17.9190% | 278 |
| Core capital (leverage) ratio | 9.5792% | 3,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1369% | 2,190 |
| Memoranda: | ||
| Average total assets | $32,850,385,600 | 63 |
| Average earning assets | $28,242,119,000 | 68 |
| Average equity | $6,048,467,800 | 44 |
| Average total loans | $20,008,059,800 | 71 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 2,548 |
| Cost of funding earning assets | 0.4422% | 3,570 |
| Net interest margin | 3.6998% | 1,941 |
| Noninterest income to average assets | 0.3966% | 3,097 |
| Noninterest expense to average assets | 1.4974% | 4,803 |
| Loan and lease loss provision to assets | 0.0819% | 3,291 |
| Net operating income to assets | 1.6424% | 658 |
| Return on assets (ROA) | 1.6424% | 730 |
| Pretax return on assets | 1.9924% | 524 |
| Return on Equity (ROE) | 8.8579% | 2,456 |
| Retained earnings to average equity (ytd only) | 4.9246% | 2,590 |
| Net charge-offs to loans | 0.1629% | 905 |
| Credit loss provision to net charge-offs | 82.0614% | 2,746 |
| Earnings coverage of net charge-offs (x) | 20.7755% | 1,891 |
| Efficiency ratio | 40.7859% | 4,876 |
| Assets per employee ($millions) | 8.9554% | 700 |
| Cash dividends to net income (ytd only)* | 44.4042% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5563% | 1,212 |
| Loan loss allowance to noncurrent loans | 559.2062% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2086% | 3,398 |
| Noncurrent loans to loans | 0.2783% | 3,295 |
| Net loans and leases to total assets | 61.5180% | 3,067 |
| Net loans and leases to deposits | 77.0751% | 2,644 |
| Net loans and leases to core deposits | 81.0983% | 2,744 |
| Total domestic deposits to total assets | 79.8157% | 3,900 |
| Equity capital to assets | 18.4404% | 272 |
| Core capital (leverage) ratio | 9.8884% | 2,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1880% | 2,113 |
| Memoranda: | ||
| Average total assets | $32,545,561,750 | 64 |
| Average earning assets | $27,930,879,500 | 68 |
| Average equity | $6,034,352,250 | 44 |
| Average total loans | $19,948,338,750 | 70 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,671 |
| Cost of funding earning assets | 0.4965% | 3,555 |
| Net interest margin | 3.7320% | 2,046 |
| Noninterest income to average assets | 0.3793% | 3,203 |
| Noninterest expense to average assets | 1.5591% | 4,810 |
| Loan and lease loss provision to assets | 0.0619% | 3,522 |
| Net operating income to assets | 1.6492% | 679 |
| Return on assets (ROA) | 1.6492% | 739 |
| Pretax return on assets | 1.9547% | 603 |
| Return on Equity (ROE) | 8.8783% | 2,406 |
| Retained earnings to average equity (ytd only) | 4.2748% | 2,787 |
| Net charge-offs to loans | 0.1404% | 1,015 |
| Credit loss provision to net charge-offs | 72.4533% | 2,539 |
| Earnings coverage of net charge-offs (x) | 23.5980% | 1,594 |
| Efficiency ratio | 42.4495% | 4,852 |
| Assets per employee ($millions) | 8.6939% | 759 |
| Cash dividends to net income (ytd only)* | 51.8512% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 1,143 |
| Loan loss allowance to noncurrent loans | 452.8319% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2358% | 3,380 |
| Noncurrent loans to loans | 0.3405% | 3,176 |
| Net loans and leases to total assets | 62.7760% | 3,037 |
| Net loans and leases to deposits | 78.8888% | 2,559 |
| Net loans and leases to core deposits | 82.9522% | 2,698 |
| Total domestic deposits to total assets | 79.5753% | 3,923 |
| Equity capital to assets | 18.3193% | 278 |
| Core capital (leverage) ratio | 9.7409% | 3,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2316% | 2,508 |
| Memoranda: | ||
| Average total assets | $32,301,383,667 | 65 |
| Average earning assets | $27,665,116,333 | 68 |
| Average equity | $6,000,261,000 | 43 |
| Average total loans | $19,665,904,667 | 71 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3620% | 2,741 |
| Cost of funding earning assets | 0.5991% | 3,443 |
| Net interest margin | 3.7630% | 2,101 |
| Noninterest income to average assets | 0.4402% | 2,847 |
| Noninterest expense to average assets | 1.5135% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.6895% | 523 |
| Return on assets (ROA) | 1.6895% | 576 |
| Pretax return on assets | 2.1365% | 347 |
| Return on Equity (ROE) | 9.0306% | 2,102 |
| Retained earnings to average equity (ytd only) | 2.7354% | 3,182 |
| Net charge-offs to loans | 0.0169% | 2,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 213.1486% | 328 |
| Efficiency ratio | 40.3124% | 4,974 |
| Assets per employee ($millions) | 8.3934% | 647 |
| Cash dividends to net income (ytd only)* | 69.7100% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 862 |
| Loan loss allowance to noncurrent loans | 532.4838% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 3,632 |
| Noncurrent loans to loans | 0.3213% | 3,340 |
| Net loans and leases to total assets | 59.2241% | 3,572 |
| Net loans and leases to deposits | 78.6974% | 2,819 |
| Net loans and leases to core deposits | 83.7518% | 2,870 |
| Total domestic deposits to total assets | 75.2555% | 4,561 |
| Equity capital to assets | 18.7510% | 307 |
| Core capital (leverage) ratio | 9.8455% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2746% | 2,579 |
| Memoranda: | ||
| Average total assets | $31,964,119,000 | 65 |
| Average earning assets | $27,265,654,000 | 69 |
| Average equity | $5,979,918,000 | 43 |
| Average total loans | $18,986,270,500 | 71 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 4,325 |
| Cost of funding earning assets | 0.6515% | 3,406 |
| Net interest margin | 3.3189% | 3,945 |
| Noninterest income to average assets | 0.4969% | 2,763 |
| Noninterest expense to average assets | 1.5515% | 4,978 |
| Loan and lease loss provision to assets | 0.0177% | 3,661 |
| Net operating income to assets | 1.4327% | 1,235 |
| Return on assets (ROA) | 1.4327% | 1,303 |
| Pretax return on assets | 1.8004% | 936 |
| Return on Equity (ROE) | 7.7975% | 3,252 |
| Retained earnings to average equity (ytd only) | -4.5403% | 4,967 |
| Net charge-offs to loans | 0.0269% | 2,859 |
| Credit loss provision to net charge-offs | 131.4583% | 1,939 |
| Earnings coverage of net charge-offs (x) | 135.2813% | 537 |
| Efficiency ratio | 45.2462% | 4,939 |
| Assets per employee ($millions) | 8.2503% | 651 |
| Cash dividends to net income (ytd only)* | 158.2280% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4641% | 4,933 |
| Loan loss allowance to noncurrent loans | 157.0810% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.1946% | 3,682 |
| Noncurrent loans to loans | 0.2955% | 3,368 |
| Net loans and leases to total assets | 58.2825% | 3,747 |
| Net loans and leases to deposits | 77.1901% | 3,077 |
| Net loans and leases to core deposits | 82.5610% | 3,081 |
| Total domestic deposits to total assets | 75.5051% | 4,655 |
| Equity capital to assets | 18.6660% | 321 |
| Core capital (leverage) ratio | 10.5778% | 2,877 |
| Tier 1 risk-based capital ratio | 12.4911% | 4,071 |
| Total risk-based capital ratio | 12.8930% | 4,443 |
| Memoranda: | ||
| Average total assets | $24,338,898,800 | 77 |
| Average earning assets | $21,066,584,400 | 77 |
| Average equity | $4,471,859,800 | 55 |
| Average total loans | $12,178,080,000 | 90 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 4,618 |
| Cost of funding earning assets | 0.6561% | 3,422 |
| Net interest margin | 3.1879% | 4,326 |
| Noninterest income to average assets | 0.5110% | 2,664 |
| Noninterest expense to average assets | 1.3711% | 5,124 |
| Loan and lease loss provision to assets | 0.0155% | 3,599 |
| Net operating income to assets | 1.5139% | 1,156 |
| Return on assets (ROA) | 1.5139% | 1,212 |
| Pretax return on assets | 1.9011% | 865 |
| Return on Equity (ROE) | 8.2870% | 3,198 |
| Retained earnings to average equity (ytd only) | 2.5229% | 4,081 |
| Net charge-offs to loans | 0.0251% | 2,597 |
| Credit loss provision to net charge-offs | 131.3795% | 1,811 |
| Earnings coverage of net charge-offs (x) | 162.5443% | 512 |
| Efficiency ratio | 41.0093% | 5,103 |
| Assets per employee ($millions) | 7.2546% | 929 |
| Cash dividends to net income (ytd only)* | 69.5560% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 4,366 |
| Loan loss allowance to noncurrent loans | 173.0353% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 3,650 |
| Noncurrent loans to loans | 0.4714% | 2,888 |
| Net loans and leases to total assets | 47.9383% | 4,511 |
| Net loans and leases to deposits | 62.3914% | 4,266 |
| Net loans and leases to core deposits | 64.6885% | 4,337 |
| Total domestic deposits to total assets | 76.8347% | 4,535 |
| Equity capital to assets | 18.6271% | 338 |
| Core capital (leverage) ratio | 10.8169% | 2,820 |
| Tier 1 risk-based capital ratio | 16.6165% | 2,222 |
| Total risk-based capital ratio | 17.2762% | 2,359 |
| Memoranda: | ||
| Average total assets | $22,377,519,500 | 80 |
| Average earning assets | $19,490,991,500 | 79 |
| Average equity | $4,087,936,250 | 58 |
| Average total loans | $10,511,263,750 | 102 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 4,672 |
| Cost of funding earning assets | 0.6526% | 3,396 |
| Net interest margin | 3.1782% | 4,405 |
| Noninterest income to average assets | 0.5000% | 2,681 |
| Noninterest expense to average assets | 1.3652% | 5,180 |
| Loan and lease loss provision to assets | 0.0133% | 3,506 |
| Net operating income to assets | 1.5058% | 1,135 |
| Return on assets (ROA) | 1.5058% | 1,187 |
| Pretax return on assets | 1.8905% | 852 |
| Return on Equity (ROE) | 8.2960% | 3,164 |
| Retained earnings to average equity (ytd only) | 3.4788% | 3,501 |
| Net charge-offs to loans | 0.0179% | 2,515 |
| Credit loss provision to net charge-offs | 160.5996% | 1,423 |
| Earnings coverage of net charge-offs (x) | 229.0653% | 351 |
| Efficiency ratio | 41.0587% | 5,141 |
| Assets per employee ($millions) | 7.3489% | 867 |
| Cash dividends to net income (ytd only)* | 58.0670% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 4,359 |
| Loan loss allowance to noncurrent loans | 223.7636% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 3,847 |
| Noncurrent loans to loans | 0.3673% | 3,208 |
| Net loans and leases to total assets | 46.9085% | 4,609 |
| Net loans and leases to deposits | 61.9814% | 4,334 |
| Net loans and leases to core deposits | 64.1450% | 4,406 |
| Total domestic deposits to total assets | 75.6816% | 4,704 |
| Equity capital to assets | 18.3530% | 347 |
| Core capital (leverage) ratio | 10.5987% | 2,984 |
| Tier 1 risk-based capital ratio | 16.4915% | 2,235 |
| Total risk-based capital ratio | 17.1480% | 2,399 |
| Memoranda: | ||
| Average total assets | $22,475,643,000 | 80 |
| Average earning assets | $19,581,689,330 | 79 |
| Average equity | $4,079,431,000 | 58 |
| Average total loans | $10,457,236,670 | 105 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8051% | 4,703 |
| Cost of funding earning assets | 0.6335% | 3,388 |
| Net interest margin | 3.1717% | 4,451 |
| Noninterest income to average assets | 0.4842% | 2,650 |
| Noninterest expense to average assets | 1.3396% | 5,246 |
| Loan and lease loss provision to assets | 0.0124% | 3,275 |
| Net operating income to assets | 1.5073% | 1,098 |
| Return on assets (ROA) | 1.5073% | 1,126 |
| Pretax return on assets | 1.8955% | 804 |
| Return on Equity (ROE) | 8.3508% | 3,094 |
| Retained earnings to average equity (ytd only) | 5.5956% | 2,644 |
| Net charge-offs to loans | 0.0404% | 1,695 |
| Credit loss provision to net charge-offs | 66.7302% | 1,874 |
| Earnings coverage of net charge-offs (x) | 102.4013% | 658 |
| Efficiency ratio | 40.5283% | 5,198 |
| Assets per employee ($millions) | 7.2929% | 878 |
| Cash dividends to net income (ytd only)* | 32.9936% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 4,431 |
| Loan loss allowance to noncurrent loans | 225.7355% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 3,912 |
| Noncurrent loans to loans | 0.3662% | 3,270 |
| Net loans and leases to total assets | 46.2041% | 4,663 |
| Net loans and leases to deposits | 59.9571% | 4,416 |
| Net loans and leases to core deposits | 61.9573% | 4,481 |
| Total domestic deposits to total assets | 77.0619% | 4,645 |
| Equity capital to assets | 18.3137% | 321 |
| Core capital (leverage) ratio | 10.5303% | 3,017 |
| Tier 1 risk-based capital ratio | 16.6708% | 2,205 |
| Total risk-based capital ratio | 17.3320% | 2,347 |
| Memoranda: | ||
| Average total assets | $22,521,064,500 | 81 |
| Average earning assets | $19,620,762,500 | 80 |
| Average equity | $4,065,001,500 | 59 |
| Average total loans | $10,392,167,500 | 106 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7017% | 4,669 |
| Cost of funding earning assets | 0.4937% | 3,399 |
| Net interest margin | 3.2080% | 4,470 |
| Noninterest income to average assets | 0.4939% | 2,863 |
| Noninterest expense to average assets | 1.3873% | 5,267 |
| Loan and lease loss provision to assets | 0.0724% | 2,686 |
| Net operating income to assets | 1.4613% | 1,234 |
| Return on assets (ROA) | 1.4613% | 1,224 |
| Pretax return on assets | 1.8335% | 841 |
| Return on Equity (ROE) | 8.4182% | 3,261 |
| Retained earnings to average equity (ytd only) | 5.8415% | 2,274 |
| Net charge-offs to loans | 0.1372% | 1,387 |
| Credit loss provision to net charge-offs | 117.1959% | 2,214 |
| Earnings coverage of net charge-offs (x) | 30.8504% | 1,566 |
| Efficiency ratio | 41.3247% | 5,257 |
| Assets per employee ($millions) | 7.4734% | 803 |
| Cash dividends to net income (ytd only)* | 30.6085% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 4,426 |
| Loan loss allowance to noncurrent loans | 503.9939% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 4,399 |
| Noncurrent loans to loans | 0.1654% | 4,003 |
| Net loans and leases to total assets | 45.3248% | 4,768 |
| Net loans and leases to deposits | 59.5304% | 4,505 |
| Net loans and leases to core deposits | 61.5552% | 4,560 |
| Total domestic deposits to total assets | 76.1373% | 4,741 |
| Equity capital to assets | 17.7898% | 361 |
| Core capital (leverage) ratio | 10.1762% | 3,378 |
| Tier 1 risk-based capital ratio | 16.2357% | 2,327 |
| Total risk-based capital ratio | 16.9001% | 2,480 |
| Memoranda: | ||
| Average total assets | $22,581,415,400 | 79 |
| Average earning assets | $19,705,674,400 | 81 |
| Average equity | $3,919,790,400 | 57 |
| Average total loans | $10,168,382,600 | 102 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6649% | 4,707 |
| Cost of funding earning assets | 0.4566% | 3,485 |
| Net interest margin | 3.2083% | 4,494 |
| Noninterest income to average assets | 0.4953% | 2,901 |
| Noninterest expense to average assets | 1.3934% | 5,327 |
| Loan and lease loss provision to assets | 0.0907% | 2,163 |
| Net operating income to assets | 1.4447% | 1,345 |
| Return on assets (ROA) | 1.4446% | 1,348 |
| Pretax return on assets | 1.8136% | 984 |
| Return on Equity (ROE) | 8.3747% | 3,391 |
| Retained earnings to average equity (ytd only) | 5.8730% | 2,721 |
| Net charge-offs to loans | 0.1765% | 943 |
| Credit loss provision to net charge-offs | 114.5950% | 2,054 |
| Earnings coverage of net charge-offs (x) | 24.0504% | 1,828 |
| Efficiency ratio | 41.4370% | 5,291 |
| Assets per employee ($millions) | 7.4656% | 786 |
| Cash dividends to net income (ytd only)* | 29.8718% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 4,506 |
| Loan loss allowance to noncurrent loans | 545.0374% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 4,604 |
| Noncurrent loans to loans | 0.1533% | 4,193 |
| Net loans and leases to total assets | 45.1368% | 4,834 |
| Net loans and leases to deposits | 60.8672% | 4,508 |
| Net loans and leases to core deposits | 62.9802% | 4,575 |
| Total domestic deposits to total assets | 74.1562% | 4,964 |
| Equity capital to assets | 17.5956% | 370 |
| Core capital (leverage) ratio | 9.8830% | 3,764 |
| Tier 1 risk-based capital ratio | 15.8452% | 2,507 |
| Total risk-based capital ratio | 16.5108% | 2,681 |
| Memoranda: | ||
| Average total assets | $22,554,447,750 | 78 |
| Average earning assets | $19,702,131,000 | 79 |
| Average equity | $3,890,645,500 | 57 |
| Average total loans | $10,117,900,000 | 102 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6197% | 4,734 |
| Cost of funding earning assets | 0.4087% | 3,660 |
| Net interest margin | 3.2110% | 4,472 |
| Noninterest income to average assets | 0.4822% | 2,962 |
| Noninterest expense to average assets | 1.3952% | 5,397 |
| Loan and lease loss provision to assets | 0.1154% | 1,721 |
| Net operating income to assets | 1.4153% | 1,378 |
| Return on assets (ROA) | 1.4152% | 1,384 |
| Pretax return on assets | 1.7761% | 1,018 |
| Return on Equity (ROE) | 8.2596% | 3,387 |
| Retained earnings to average equity (ytd only) | 5.7733% | 2,687 |
| Net charge-offs to loans | 0.2401% | 661 |
| Credit loss provision to net charge-offs | 107.6426% | 1,923 |
| Earnings coverage of net charge-offs (x) | 17.6477% | 1,944 |
| Efficiency ratio | 41.6209% | 5,360 |
| Assets per employee ($millions) | 7.4111% | 787 |
| Cash dividends to net income (ytd only)* | 30.1016% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 4,581 |
| Loan loss allowance to noncurrent loans | 399.4734% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 4,288 |
| Noncurrent loans to loans | 0.2096% | 3,972 |
| Net loans and leases to total assets | 44.6006% | 4,882 |
| Net loans and leases to deposits | 59.1624% | 4,581 |
| Net loans and leases to core deposits | 61.0733% | 4,650 |
| Total domestic deposits to total assets | 75.3867% | 4,918 |
| Equity capital to assets | 17.3715% | 372 |
| Core capital (leverage) ratio | 9.6054% | 3,991 |
| Tier 1 risk-based capital ratio | 15.5602% | 2,610 |
| Total risk-based capital ratio | 16.2260% | 2,810 |
| Memoranda: | ||
| Average total assets | $22,534,877,000 | 78 |
| Average earning assets | $19,682,631,330 | 78 |
| Average equity | $3,861,218,330 | 57 |
| Average total loans | $10,059,584,670 | 102 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4854% | 4,904 |
| Cost of funding earning assets | 0.3610% | 3,902 |
| Net interest margin | 3.1244% | 4,655 |
| Noninterest income to average assets | 0.4791% | 2,945 |
| Noninterest expense to average assets | 1.3634% | 5,464 |
| Loan and lease loss provision to assets | 0.1598% | 1,129 |
| Net operating income to assets | 1.3437% | 1,497 |
| Return on assets (ROA) | 1.3437% | 1,512 |
| Pretax return on assets | 1.6842% | 1,157 |
| Return on Equity (ROE) | 7.8970% | 3,419 |
| Retained earnings to average equity (ytd only) | 5.2877% | 3,041 |
| Net charge-offs to loans | 0.3770% | 417 |
| Credit loss provision to net charge-offs | 95.3289% | 1,631 |
| Earnings coverage of net charge-offs (x) | 10.9979% | 1,873 |
| Efficiency ratio | 41.6392% | 5,411 |
| Assets per employee ($millions) | 7.4206% | 795 |
| Cash dividends to net income (ytd only)* | 33.0421% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 4,685 |
| Loan loss allowance to noncurrent loans | 368.6230% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 4,342 |
| Noncurrent loans to loans | 0.2265% | 3,962 |
| Net loans and leases to total assets | 44.1978% | 4,886 |
| Net loans and leases to deposits | 57.1996% | 4,631 |
| Net loans and leases to core deposits | 59.2017% | 4,690 |
| Total domestic deposits to total assets | 77.2695% | 4,831 |
| Equity capital to assets | 17.1746% | 386 |
| Core capital (leverage) ratio | 9.3317% | 4,280 |
| Tier 1 risk-based capital ratio | 15.2056% | 2,785 |
| Total risk-based capital ratio | 15.8666% | 2,969 |
| Memoranda: | ||
| Average total assets | $22,522,647,500 | 77 |
| Average earning assets | $19,667,610,500 | 80 |
| Average equity | $3,832,382,500 | 57 |
| Average total loans | $10,016,094,500 | 102 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4872% | 4,804 |
| Cost of funding earning assets | 0.3103% | 4,035 |
| Net interest margin | 3.1768% | 4,502 |
| Noninterest income to average assets | 0.4782% | 3,139 |
| Noninterest expense to average assets | 1.3457% | 5,547 |
| Loan and lease loss provision to assets | 0.0641% | 2,942 |
| Net operating income to assets | 1.2496% | 1,362 |
| Return on assets (ROA) | 1.2596% | 1,353 |
| Pretax return on assets | 1.8498% | 693 |
| Return on Equity (ROE) | 7.5807% | 3,001 |
| Retained earnings to average equity (ytd only) | 5.0233% | 2,113 |
| Net charge-offs to loans | 0.1588% | 1,534 |
| Credit loss provision to net charge-offs | 91.7681% | 2,754 |
| Earnings coverage of net charge-offs (x) | 27.2026% | 1,641 |
| Efficiency ratio | 40.5129% | 5,520 |
| Assets per employee ($millions) | 7.4853% | 774 |
| Cash dividends to net income (ytd only)* | 33.7353% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 4,703 |
| Loan loss allowance to noncurrent loans | 319.9368% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 4,314 |
| Noncurrent loans to loans | 0.2621% | 3,848 |
| Net loans and leases to total assets | 44.0008% | 4,975 |
| Net loans and leases to deposits | 55.7033% | 4,819 |
| Net loans and leases to core deposits | 57.6740% | 4,865 |
| Total domestic deposits to total assets | 78.9914% | 4,549 |
| Equity capital to assets | 16.8576% | 411 |
| Core capital (leverage) ratio | 9.2483% | 4,348 |
| Tier 1 risk-based capital ratio | 14.9785% | 2,863 |
| Total risk-based capital ratio | 15.6463% | 3,053 |
| Memoranda: | ||
| Average total assets | $22,357,434,200 | 76 |
| Average earning assets | $19,471,728,600 | 77 |
| Average equity | $3,714,752,200 | 54 |
| Average total loans | $9,831,461,400 | 102 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 4,844 |
| Cost of funding earning assets | 0.3066% | 4,069 |
| Net interest margin | 3.1716% | 4,526 |
| Noninterest income to average assets | 0.4878% | 3,098 |
| Noninterest expense to average assets | 1.3465% | 5,595 |
| Loan and lease loss provision to assets | 0.0737% | 2,597 |
| Net operating income to assets | 1.2314% | 1,573 |
| Return on assets (ROA) | 1.2445% | 1,555 |
| Pretax return on assets | 1.8498% | 784 |
| Return on Equity (ROE) | 7.5178% | 3,379 |
| Retained earnings to average equity (ytd only) | 5.0619% | 2,848 |
| Net charge-offs to loans | 0.1477% | 1,360 |
| Credit loss provision to net charge-offs | 113.7098% | 2,091 |
| Earnings coverage of net charge-offs (x) | 29.3802% | 1,575 |
| Efficiency ratio | 40.4477% | 5,570 |
| Assets per employee ($millions) | 7.3948% | 798 |
| Cash dividends to net income (ytd only)* | 32.6676% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8759% | 4,670 |
| Loan loss allowance to noncurrent loans | 278.2347% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 4,254 |
| Noncurrent loans to loans | 0.3148% | 3,823 |
| Net loans and leases to total assets | 44.3886% | 5,008 |
| Net loans and leases to deposits | 57.9844% | 4,756 |
| Net loans and leases to core deposits | 60.2340% | 4,806 |
| Total domestic deposits to total assets | 76.5528% | 4,952 |
| Equity capital to assets | 16.9962% | 428 |
| Core capital (leverage) ratio | 9.0816% | 4,651 |
| Tier 1 risk-based capital ratio | 15.0783% | 2,884 |
| Total risk-based capital ratio | 15.7891% | 3,076 |
| Memoranda: | ||
| Average total assets | $22,301,026,000 | 76 |
| Average earning assets | $19,425,387,750 | 76 |
| Average equity | $3,691,697,000 | 54 |
| Average total loans | $9,784,133,500 | 101 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4302% | 4,915 |
| Cost of funding earning assets | 0.2920% | 4,160 |
| Net interest margin | 3.1382% | 4,576 |
| Noninterest income to average assets | 0.4791% | 3,157 |
| Noninterest expense to average assets | 1.3405% | 5,650 |
| Loan and lease loss provision to assets | 0.0485% | 3,021 |
| Net operating income to assets | 1.2257% | 1,516 |
| Return on assets (ROA) | 1.2453% | 1,482 |
| Pretax return on assets | 1.8523% | 738 |
| Return on Equity (ROE) | 7.5898% | 3,245 |
| Retained earnings to average equity (ytd only) | 5.0273% | 2,692 |
| Net charge-offs to loans | 0.1431% | 1,299 |
| Credit loss provision to net charge-offs | 77.8559% | 2,287 |
| Earnings coverage of net charge-offs (x) | 30.0253% | 1,462 |
| Efficiency ratio | 40.7214% | 5,608 |
| Assets per employee ($millions) | 7.3383% | 802 |
| Cash dividends to net income (ytd only)* | 33.7619% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 4,818 |
| Loan loss allowance to noncurrent loans | 260.7625% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 4,307 |
| Noncurrent loans to loans | 0.3257% | 3,866 |
| Net loans and leases to total assets | 43.8845% | 5,046 |
| Net loans and leases to deposits | 57.1879% | 4,790 |
| Net loans and leases to core deposits | 59.3142% | 4,861 |
| Total domestic deposits to total assets | 76.7374% | 4,997 |
| Equity capital to assets | 16.6674% | 441 |
| Core capital (leverage) ratio | 8.7358% | 5,017 |
| Tier 1 risk-based capital ratio | 14.6714% | 3,078 |
| Total risk-based capital ratio | 15.3572% | 3,282 |
| Memoranda: | ||
| Average total assets | $22,357,146,330 | 73 |
| Average earning assets | $19,470,289,330 | 76 |
| Average equity | $3,668,362,000 | 53 |
| Average total loans | $9,741,777,330 | 101 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3952% | 4,930 |
| Cost of funding earning assets | 0.2594% | 4,458 |
| Net interest margin | 3.1358% | 4,544 |
| Noninterest income to average assets | 0.5349% | 2,740 |
| Noninterest expense to average assets | 1.3534% | 5,717 |
| Loan and lease loss provision to assets | 0.0478% | 2,857 |
| Net operating income to assets | 1.2455% | 1,389 |
| Return on assets (ROA) | 1.2455% | 1,426 |
| Pretax return on assets | 1.8633% | 700 |
| Return on Equity (ROE) | 7.6509% | 3,092 |
| Retained earnings to average equity (ytd only) | 5.1271% | 2,815 |
| Net charge-offs to loans | 0.1614% | 1,004 |
| Credit loss provision to net charge-offs | 68.4844% | 1,852 |
| Earnings coverage of net charge-offs (x) | 27.3897% | 1,275 |
| Efficiency ratio | 40.4100% | 5,688 |
| Assets per employee ($millions) | 7.4074% | 788 |
| Cash dividends to net income (ytd only)* | 32.9872% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 4,881 |
| Loan loss allowance to noncurrent loans | 333.1815% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 4,517 |
| Noncurrent loans to loans | 0.2592% | 4,187 |
| Net loans and leases to total assets | 42.9754% | 5,106 |
| Net loans and leases to deposits | 56.6101% | 4,779 |
| Net loans and leases to core deposits | 58.7799% | 4,837 |
| Total domestic deposits to total assets | 75.9147% | 5,239 |
| Equity capital to assets | 16.3292% | 448 |
| Core capital (leverage) ratio | 8.5398% | 5,201 |
| Tier 1 risk-based capital ratio | 14.3230% | 3,304 |
| Total risk-based capital ratio | 15.0129% | 3,530 |
| Memoranda: | ||
| Average total assets | $22,392,571,000 | 73 |
| Average earning assets | $19,491,228,500 | 76 |
| Average equity | $3,645,264,500 | 52 |
| Average total loans | $9,680,656,500 | 99 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 4,617 |
| Cost of funding earning assets | 0.2317% | 4,722 |
| Net interest margin | 3.3274% | 4,064 |
| Noninterest income to average assets | 0.5317% | 3,022 |
| Noninterest expense to average assets | 1.3976% | 5,770 |
| Loan and lease loss provision to assets | 0.1096% | 2,230 |
| Net operating income to assets | 1.2836% | 1,252 |
| Return on assets (ROA) | 1.2836% | 1,326 |
| Pretax return on assets | 1.9128% | 603 |
| Return on Equity (ROE) | 8.0997% | 2,885 |
| Retained earnings to average equity (ytd only) | 4.0232% | 3,055 |
| Net charge-offs to loans | 0.2093% | 1,332 |
| Credit loss provision to net charge-offs | 119.6530% | 2,217 |
| Earnings coverage of net charge-offs (x) | 22.0770% | 1,750 |
| Efficiency ratio | 39.6381% | 5,790 |
| Assets per employee ($millions) | 7.3537% | 774 |
| Cash dividends to net income (ytd only)* | 50.3293% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 4,828 |
| Loan loss allowance to noncurrent loans | 261.7523% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 4,451 |
| Noncurrent loans to loans | 0.3388% | 3,922 |
| Net loans and leases to total assets | 42.7303% | 5,196 |
| Net loans and leases to deposits | 55.0683% | 4,964 |
| Net loans and leases to core deposits | 57.2515% | 5,005 |
| Total domestic deposits to total assets | 77.5951% | 5,034 |
| Equity capital to assets | 16.2283% | 470 |
| Core capital (leverage) ratio | 8.5983% | 5,172 |
| Tier 1 risk-based capital ratio | 14.3542% | 3,252 |
| Total risk-based capital ratio | 15.0728% | 3,475 |
| Memoranda: | ||
| Average total assets | $21,896,209,400 | 71 |
| Average earning assets | $19,006,754,800 | 73 |
| Average equity | $3,469,998,600 | 51 |
| Average total loans | $9,582,675,600 | 95 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6075% | 4,532 |
| Cost of funding earning assets | 0.2329% | 4,765 |
| Net interest margin | 3.3746% | 3,942 |
| Noninterest income to average assets | 0.5322% | 3,035 |
| Noninterest expense to average assets | 1.4034% | 5,818 |
| Loan and lease loss provision to assets | 0.1346% | 1,744 |
| Net operating income to assets | 1.2891% | 1,325 |
| Return on assets (ROA) | 1.2891% | 1,429 |
| Pretax return on assets | 1.9226% | 671 |
| Return on Equity (ROE) | 8.1847% | 2,917 |
| Retained earnings to average equity (ytd only) | 0.3864% | 5,254 |
| Net charge-offs to loans | 0.2479% | 947 |
| Credit loss provision to net charge-offs | 123.6024% | 2,048 |
| Earnings coverage of net charge-offs (x) | 18.8896% | 1,970 |
| Efficiency ratio | 39.3212% | 5,844 |
| Assets per employee ($millions) | 6.9653% | 903 |
| Cash dividends to net income (ytd only)* | 95.2786% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8963% | 4,887 |
| Loan loss allowance to noncurrent loans | 195.1767% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 4,304 |
| Noncurrent loans to loans | 0.4592% | 3,638 |
| Net loans and leases to total assets | 44.2384% | 5,172 |
| Net loans and leases to deposits | 55.8160% | 5,008 |
| Net loans and leases to core deposits | 58.1586% | 5,045 |
| Total domestic deposits to total assets | 79.2576% | 4,663 |
| Equity capital to assets | 16.3267% | 509 |
| Core capital (leverage) ratio | 8.0065% | 5,687 |
| Tier 1 risk-based capital ratio | 13.5700% | 3,819 |
| Total risk-based capital ratio | 14.3076% | 4,037 |
| Memoranda: | ||
| Average total assets | $21,790,654,250 | 71 |
| Average earning assets | $18,909,596,750 | 73 |
| Average equity | $3,432,025,000 | 52 |
| Average total loans | $9,572,829,500 | 95 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6478% | 4,457 |
| Cost of funding earning assets | 0.2327% | 4,823 |
| Net interest margin | 3.4152% | 3,832 |
| Noninterest income to average assets | 0.5297% | 3,008 |
| Noninterest expense to average assets | 1.3976% | 5,900 |
| Loan and lease loss provision to assets | 0.1824% | 1,194 |
| Net operating income to assets | 1.2828% | 1,326 |
| Return on assets (ROA) | 1.2828% | 1,432 |
| Pretax return on assets | 1.9136% | 674 |
| Return on Equity (ROE) | 8.2429% | 2,864 |
| Retained earnings to average equity (ytd only) | -2.5155% | 5,583 |
| Net charge-offs to loans | 0.3665% | 631 |
| Credit loss provision to net charge-offs | 113.9082% | 1,927 |
| Earnings coverage of net charge-offs (x) | 13.0865% | 2,146 |
| Efficiency ratio | 38.8138% | 5,927 |
| Assets per employee ($millions) | 7.0130% | 871 |
| Cash dividends to net income (ytd only)* | 130.5168% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 5,065 |
| Loan loss allowance to noncurrent loans | 230.4911% | 2,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 4,540 |
| Noncurrent loans to loans | 0.3769% | 4,013 |
| Net loans and leases to total assets | 43.9171% | 5,238 |
| Net loans and leases to deposits | 55.4671% | 5,050 |
| Net loans and leases to core deposits | 57.9133% | 5,077 |
| Total domestic deposits to total assets | 79.1768% | 4,736 |
| Equity capital to assets | 15.7907% | 578 |
| Core capital (leverage) ratio | 7.6084% | 5,857 |
| Tier 1 risk-based capital ratio | 12.9162% | 4,249 |
| Total risk-based capital ratio | 13.6286% | 4,520 |
| Memoranda: | ||
| Average total assets | $21,924,110,330 | 71 |
| Average earning assets | $19,027,766,670 | 74 |
| Average equity | $3,411,925,000 | 52 |
| Average total loans | $9,581,001,330 | 95 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7216% | 4,243 |
| Cost of funding earning assets | 0.2312% | 4,889 |
| Net interest margin | 3.4904% | 3,509 |
| Noninterest income to average assets | 0.5448% | 2,841 |
| Noninterest expense to average assets | 1.4006% | 5,961 |
| Loan and lease loss provision to assets | 0.2546% | 681 |
| Net operating income to assets | 1.2875% | 1,282 |
| Return on assets (ROA) | 1.2875% | 1,368 |
| Pretax return on assets | 1.9161% | 668 |
| Return on Equity (ROE) | 8.3335% | 2,748 |
| Retained earnings to average equity (ytd only) | -10.7989% | 5,829 |
| Net charge-offs to loans | 0.4890% | 457 |
| Credit loss provision to net charge-offs | 119.9657% | 1,447 |
| Earnings coverage of net charge-offs (x) | 10.2283% | 1,936 |
| Efficiency ratio | 38.0865% | 5,999 |
| Assets per employee ($millions) | 7.0129% | 893 |
| Cash dividends to net income (ytd only)* | 229.5840% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8671% | 5,161 |
| Loan loss allowance to noncurrent loans | 208.6070% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 4,524 |
| Noncurrent loans to loans | 0.4157% | 3,949 |
| Net loans and leases to total assets | 43.5737% | 5,271 |
| Net loans and leases to deposits | 53.4703% | 5,134 |
| Net loans and leases to core deposits | 55.6777% | 5,148 |
| Total domestic deposits to total assets | 81.4915% | 4,359 |
| Equity capital to assets | 15.4399% | 615 |
| Core capital (leverage) ratio | 7.2302% | 5,967 |
| Tier 1 risk-based capital ratio | 12.3959% | 4,656 |
| Total risk-based capital ratio | 13.1018% | 4,915 |
| Memoranda: | ||
| Average total assets | $21,994,987,500 | 71 |
| Average earning assets | $19,072,442,500 | 74 |
| Average equity | $3,398,094,000 | 53 |
| Average total loans | $9,546,498,000 | 95 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5707% | 4,746 |
| Cost of funding earning assets | 0.2092% | 5,204 |
| Net interest margin | 3.3615% | 4,068 |
| Noninterest income to average assets | 0.5462% | 3,032 |
| Noninterest expense to average assets | 1.3808% | 6,042 |
| Loan and lease loss provision to assets | 0.0349% | 3,648 |
| Net operating income to assets | 1.3597% | 1,123 |
| Return on assets (ROA) | 1.3597% | 1,169 |
| Pretax return on assets | 2.0421% | 494 |
| Return on Equity (ROE) | 8.7730% | 2,582 |
| Retained earnings to average equity (ytd only) | 1.0840% | 5,083 |
| Net charge-offs to loans | 0.0751% | 2,753 |
| Credit loss provision to net charge-offs | 108.9651% | 2,312 |
| Earnings coverage of net charge-offs (x) | 64.8743% | 827 |
| Efficiency ratio | 38.6621% | 6,081 |
| Assets per employee ($millions) | 7.2524% | 800 |
| Cash dividends to net income (ytd only)* | 87.6440% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8622% | 5,229 |
| Loan loss allowance to noncurrent loans | 201.8202% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1965% | 4,811 |
| Noncurrent loans to loans | 0.4272% | 3,927 |
| Net loans and leases to total assets | 42.4833% | 5,375 |
| Net loans and leases to deposits | 52.7778% | 5,237 |
| Net loans and leases to core deposits | 55.0333% | 5,255 |
| Total domestic deposits to total assets | 80.4947% | 4,612 |
| Equity capital to assets | 15.4589% | 604 |
| Core capital (leverage) ratio | 7.7012% | 5,938 |
| Tier 1 risk-based capital ratio | 13.0988% | 4,247 |
| Total risk-based capital ratio | 13.7981% | 4,499 |
| Memoranda: | ||
| Average total assets | $21,670,716,600 | 70 |
| Average earning assets | $18,770,486,400 | 72 |
| Average equity | $3,358,706,800 | 52 |
| Average total loans | $9,233,620,200 | 94 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6182% | 4,674 |
| Cost of funding earning assets | 0.2125% | 5,265 |
| Net interest margin | 3.4058% | 3,927 |
| Noninterest income to average assets | 0.5494% | 3,057 |
| Noninterest expense to average assets | 1.3895% | 6,108 |
| Loan and lease loss provision to assets | 0.0436% | 3,347 |
| Net operating income to assets | 1.3742% | 1,164 |
| Return on assets (ROA) | 1.3742% | 1,218 |
| Pretax return on assets | 2.0679% | 530 |
| Return on Equity (ROE) | 8.8609% | 2,650 |
| Retained earnings to average equity (ytd only) | 0.9718% | 5,327 |
| Net charge-offs to loans | 0.0990% | 2,160 |
| Credit loss provision to net charge-offs | 103.5342% | 2,199 |
| Earnings coverage of net charge-offs (x) | 50.1233% | 1,051 |
| Efficiency ratio | 38.4113% | 6,156 |
| Assets per employee ($millions) | 7.0647% | 844 |
| Cash dividends to net income (ytd only)* | 89.0324% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 5,274 |
| Loan loss allowance to noncurrent loans | 179.2260% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 4,865 |
| Noncurrent loans to loans | 0.4910% | 3,877 |
| Net loans and leases to total assets | 42.3300% | 5,469 |
| Net loans and leases to deposits | 53.7683% | 5,268 |
| Net loans and leases to core deposits | 56.6332% | 5,271 |
| Total domestic deposits to total assets | 78.7266% | 5,045 |
| Equity capital to assets | 15.7430% | 605 |
| Core capital (leverage) ratio | 7.5873% | 6,036 |
| Tier 1 risk-based capital ratio | 13.2596% | 4,280 |
| Total risk-based capital ratio | 13.9764% | 4,502 |
| Memoranda: | ||
| Average total assets | $21,581,994,000 | 70 |
| Average earning assets | $18,704,334,750 | 70 |
| Average equity | $3,347,155,250 | 52 |
| Average total loans | $9,182,378,000 | 96 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6571% | 4,551 |
| Cost of funding earning assets | 0.2160% | 5,297 |
| Net interest margin | 3.4411% | 3,752 |
| Noninterest income to average assets | 0.5334% | 3,149 |
| Noninterest expense to average assets | 1.4072% | 6,167 |
| Loan and lease loss provision to assets | 0.0162% | 3,803 |
| Net operating income to assets | 1.3892% | 1,115 |
| Return on assets (ROA) | 1.3892% | 1,150 |
| Pretax return on assets | 2.0905% | 498 |
| Return on Equity (ROE) | 9.0023% | 2,546 |
| Retained earnings to average equity (ytd only) | -1.7007% | 5,796 |
| Net charge-offs to loans | 0.0336% | 2,998 |
| Credit loss provision to net charge-offs | 113.6364% | 1,878 |
| Earnings coverage of net charge-offs (x) | 147.6851% | 433 |
| Efficiency ratio | 38.7593% | 6,229 |
| Assets per employee ($millions) | 7.0714% | 812 |
| Cash dividends to net income (ytd only)* | 118.8920% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 5,344 |
| Loan loss allowance to noncurrent loans | 251.9431% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.1612% | 5,231 |
| Noncurrent loans to loans | 0.3526% | 4,438 |
| Net loans and leases to total assets | 41.6785% | 5,523 |
| Net loans and leases to deposits | 53.0669% | 5,312 |
| Net loans and leases to core deposits | 56.3786% | 5,285 |
| Total domestic deposits to total assets | 78.5395% | 5,178 |
| Equity capital to assets | 15.4156% | 625 |
| Core capital (leverage) ratio | 7.2926% | 6,139 |
| Tier 1 risk-based capital ratio | 12.8096% | 4,617 |
| Total risk-based capital ratio | 13.5306% | 4,851 |
| Memoranda: | ||
| Average total assets | $21,591,180,670 | 68 |
| Average earning assets | $18,700,732,330 | 69 |
| Average equity | $3,331,765,670 | 51 |
| Average total loans | $9,174,841,330 | 97 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 4,277 |
| Cost of funding earning assets | 0.2204% | 5,315 |
| Net interest margin | 3.5047% | 3,423 |
| Noninterest income to average assets | 0.5199% | 3,150 |
| Noninterest expense to average assets | 1.4090% | 6,228 |
| Loan and lease loss provision to assets | 0.0232% | 3,408 |
| Net operating income to assets | 1.4114% | 1,013 |
| Return on assets (ROA) | 1.4114% | 1,068 |
| Pretax return on assets | 2.1217% | 460 |
| Return on Equity (ROE) | 9.1416% | 2,387 |
| Retained earnings to average equity (ytd only) | -10.3350% | 6,144 |
| Net charge-offs to loans | 0.0456% | 2,346 |
| Credit loss provision to net charge-offs | 119.0476% | 1,453 |
| Earnings coverage of net charge-offs (x) | 110.0514% | 455 |
| Efficiency ratio | 38.3470% | 6,300 |
| Assets per employee ($millions) | 7.0092% | 849 |
| Cash dividends to net income (ytd only)* | 213.0542% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 5,486 |
| Loan loss allowance to noncurrent loans | 251.2818% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 5,307 |
| Noncurrent loans to loans | 0.3515% | 4,537 |
| Net loans and leases to total assets | 42.0692% | 5,482 |
| Net loans and leases to deposits | 51.6831% | 5,351 |
| Net loans and leases to core deposits | 54.6595% | 5,334 |
| Total domestic deposits to total assets | 81.3983% | 4,704 |
| Equity capital to assets | 15.2066% | 681 |
| Core capital (leverage) ratio | 6.8879% | 6,250 |
| Tier 1 risk-based capital ratio | 12.2855% | 5,056 |
| Total risk-based capital ratio | 13.0245% | 5,291 |
| Memoranda: | ||
| Average total assets | $21,549,800,500 | 70 |
| Average earning assets | $18,655,635,500 | 70 |
| Average equity | $3,327,069,000 | 51 |
| Average total loans | $9,205,094,500 | 95 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 3,339 |
| Cost of funding earning assets | 0.2402% | 5,422 |
| Net interest margin | 3.8572% | 2,406 |
| Noninterest income to average assets | 0.5967% | 2,878 |
| Noninterest expense to average assets | 1.5704% | 6,259 |
| Loan and lease loss provision to assets | 0.0901% | 2,667 |
| Net operating income to assets | 1.5074% | 863 |
| Return on assets (ROA) | 1.5074% | 901 |
| Pretax return on assets | 2.2559% | 287 |
| Return on Equity (ROE) | 9.6957% | 2,254 |
| Retained earnings to average equity (ytd only) | 6.4259% | 1,696 |
| Net charge-offs to loans | 0.0552% | 3,730 |
| Credit loss provision to net charge-offs | 381.1262% | 687 |
| Earnings coverage of net charge-offs (x) | 99.2229% | 529 |
| Efficiency ratio | 38.8468% | 6,415 |
| Assets per employee ($millions) | 6.9458% | 876 |
| Cash dividends to net income (ytd only)* | 33.7236% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8737% | 5,551 |
| Loan loss allowance to noncurrent loans | 240.2701% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 5,338 |
| Noncurrent loans to loans | 0.3636% | 4,562 |
| Net loans and leases to total assets | 42.6124% | 5,573 |
| Net loans and leases to deposits | 51.6993% | 5,498 |
| Net loans and leases to core deposits | 54.9929% | 5,442 |
| Total domestic deposits to total assets | 82.4235% | 4,273 |
| Equity capital to assets | 15.6723% | 582 |
| Core capital (leverage) ratio | 7.4982% | 6,205 |
| Tier 1 risk-based capital ratio | 13.4587% | 4,440 |
| Total risk-based capital ratio | 14.2151% | 4,661 |
| Memoranda: | ||
| Average total assets | $20,280,820,400 | 67 |
| Average earning assets | $17,454,072,600 | 68 |
| Average equity | $3,153,174,600 | 50 |
| Average total loans | $8,689,771,000 | 95 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 3,367 |
| Cost of funding earning assets | 0.2468% | 5,442 |
| Net interest margin | 3.8545% | 2,417 |
| Noninterest income to average assets | 0.5964% | 2,902 |
| Noninterest expense to average assets | 1.5811% | 6,304 |
| Loan and lease loss provision to assets | 0.0796% | 2,755 |
| Net operating income to assets | 1.5032% | 938 |
| Return on assets (ROA) | 1.5032% | 967 |
| Pretax return on assets | 2.2509% | 333 |
| Return on Equity (ROE) | 9.6891% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.5698% | 2,058 |
| Net charge-offs to loans | 0.0249% | 4,009 |
| Credit loss provision to net charge-offs | 748.1179% | 416 |
| Earnings coverage of net charge-offs (x) | 219.0408% | 298 |
| Efficiency ratio | 39.1792% | 6,471 |
| Assets per employee ($millions) | 6.9062% | 838 |
| Cash dividends to net income (ytd only)* | 32.1939% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8284% | 5,802 |
| Loan loss allowance to noncurrent loans | 174.1842% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 5,265 |
| Noncurrent loans to loans | 0.4756% | 4,479 |
| Net loans and leases to total assets | 44.0090% | 5,521 |
| Net loans and leases to deposits | 54.5753% | 5,336 |
| Net loans and leases to core deposits | 58.1748% | 5,319 |
| Total domestic deposits to total assets | 80.6390% | 4,930 |
| Equity capital to assets | 15.7268% | 600 |
| Core capital (leverage) ratio | 7.2636% | 6,336 |
| Tier 1 risk-based capital ratio | 12.9434% | 4,898 |
| Total risk-based capital ratio | 13.6642% | 5,148 |
| Memoranda: | ||
| Average total assets | $19,974,995,750 | 68 |
| Average earning assets | $17,180,207,250 | 70 |
| Average equity | $3,098,919,750 | 51 |
| Average total loans | $8,551,167,750 | 97 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 3,540 |
| Cost of funding earning assets | 0.2512% | 5,473 |
| Net interest margin | 3.7988% | 2,579 |
| Noninterest income to average assets | 0.6161% | 2,733 |
| Noninterest expense to average assets | 1.5764% | 6,381 |
| Loan and lease loss provision to assets | 0.0707% | 2,860 |
| Net operating income to assets | 1.4948% | 878 |
| Return on assets (ROA) | 1.4948% | 909 |
| Pretax return on assets | 2.2327% | 339 |
| Return on Equity (ROE) | 9.6831% | 2,288 |
| Retained earnings to average equity (ytd only) | 6.0800% | 2,269 |
| Net charge-offs to loans | 0.0227% | 3,751 |
| Credit loss provision to net charge-offs | 735.9192% | 438 |
| Earnings coverage of net charge-offs (x) | 239.8332% | 284 |
| Efficiency ratio | 39.4012% | 6,532 |
| Assets per employee ($millions) | 6.6378% | 951 |
| Cash dividends to net income (ytd only)* | 37.2105% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 6,008 |
| Loan loss allowance to noncurrent loans | 312.8753% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 5,751 |
| Noncurrent loans to loans | 0.2516% | 5,258 |
| Net loans and leases to total assets | 43.4771% | 5,568 |
| Net loans and leases to deposits | 53.4167% | 5,395 |
| Net loans and leases to core deposits | 56.9850% | 5,347 |
| Total domestic deposits to total assets | 81.3924% | 4,844 |
| Equity capital to assets | 15.3486% | 635 |
| Core capital (leverage) ratio | 6.8558% | 6,450 |
| Tier 1 risk-based capital ratio | 12.2839% | 5,366 |
| Total risk-based capital ratio | 12.9614% | 5,633 |
| Memoranda: | ||
| Average total assets | $19,595,918,000 | 69 |
| Average earning assets | $16,835,163,670 | 70 |
| Average equity | $3,025,131,670 | 53 |
| Average total loans | $8,278,594,330 | 99 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8247% | 4,386 |
| Cost of funding earning assets | 0.2433% | 5,652 |
| Net interest margin | 3.5814% | 3,332 |
| Noninterest income to average assets | 0.5965% | 2,756 |
| Noninterest expense to average assets | 1.4754% | 6,508 |
| Loan and lease loss provision to assets | 0.0128% | 3,662 |
| Net operating income to assets | 1.4584% | 884 |
| Return on assets (ROA) | 1.4584% | 915 |
| Pretax return on assets | 2.1876% | 360 |
| Return on Equity (ROE) | 9.4161% | 2,286 |
| Retained earnings to average equity (ytd only) | 8.4531% | 1,433 |
| Net charge-offs to loans | 0.0405% | 2,817 |
| Credit loss provision to net charge-offs | 76.3359% | 1,939 |
| Earnings coverage of net charge-offs (x) | 131.3919% | 375 |
| Efficiency ratio | 38.9522% | 6,609 |
| Assets per employee ($millions) | 6.5472% | 997 |
| Cash dividends to net income (ytd only)* | 10.2270% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 5,959 |
| Loan loss allowance to noncurrent loans | 597.3115% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 5,951 |
| Noncurrent loans to loans | 0.1449% | 5,659 |
| Net loans and leases to total assets | 40.6452% | 5,767 |
| Net loans and leases to deposits | 49.6745% | 5,619 |
| Net loans and leases to core deposits | 52.2870% | 5,600 |
| Total domestic deposits to total assets | 81.8231% | 4,989 |
| Equity capital to assets | 15.5391% | 594 |
| Core capital (leverage) ratio | 7.1735% | 6,431 |
| Tier 1 risk-based capital ratio | 13.6096% | 4,600 |
| Total risk-based capital ratio | 14.3545% | 4,883 |
| Memoranda: | ||
| Average total assets | $18,773,466,000 | 70 |
| Average earning assets | $16,141,659,000 | 71 |
| Average equity | $2,907,614,000 | 54 |
| Average total loans | $7,763,810,500 | 101 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8595% | 4,613 |
| Cost of funding earning assets | 0.2727% | 5,807 |
| Net interest margin | 3.5868% | 3,515 |
| Noninterest income to average assets | 0.5786% | 3,219 |
| Noninterest expense to average assets | 1.4917% | 6,579 |
| Loan and lease loss provision to assets | 0.1069% | 3,013 |
| Net operating income to assets | 1.4019% | 1,020 |
| Return on assets (ROA) | 1.4019% | 1,058 |
| Pretax return on assets | 2.0899% | 394 |
| Return on Equity (ROE) | 9.3338% | 2,400 |
| Retained earnings to average equity (ytd only) | 0.9301% | 5,418 |
| Net charge-offs to loans | 0.0412% | 4,644 |
| Credit loss provision to net charge-offs | 683.5845% | 351 |
| Earnings coverage of net charge-offs (x) | 140.4401% | 326 |
| Efficiency ratio | 39.4084% | 6,699 |
| Assets per employee ($millions) | 6.2233% | 1,124 |
| Cash dividends to net income (ytd only)* | 90.0355% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 6,020 |
| Loan loss allowance to noncurrent loans | 443.2863% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 5,966 |
| Noncurrent loans to loans | 0.1952% | 5,604 |
| Net loans and leases to total assets | 41.3545% | 5,867 |
| Net loans and leases to deposits | 50.3412% | 5,742 |
| Net loans and leases to core deposits | 52.6378% | 5,750 |
| Total domestic deposits to total assets | 82.1485% | 4,821 |
| Equity capital to assets | 15.4359% | 601 |
| Core capital (leverage) ratio | 7.2491% | 6,461 |
| Tier 1 risk-based capital ratio | 12.9622% | 5,000 |
| Total risk-based capital ratio | 13.7115% | 5,263 |
| Memoranda: | ||
| Average total assets | $16,123,096,200 | 75 |
| Average earning assets | $13,979,314,800 | 80 |
| Average equity | $2,421,657,400 | 62 |
| Average total loans | $6,114,651,000 | 117 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 4,870 |
| Cost of funding earning assets | 0.2819% | 5,873 |
| Net interest margin | 3.5133% | 3,822 |
| Noninterest income to average assets | 0.5909% | 3,212 |
| Noninterest expense to average assets | 1.4938% | 6,644 |
| Loan and lease loss provision to assets | 0.0807% | 3,449 |
| Net operating income to assets | 1.3928% | 1,120 |
| Return on assets (ROA) | 1.3928% | 1,168 |
| Pretax return on assets | 2.0733% | 500 |
| Return on Equity (ROE) | 9.3513% | 2,462 |
| Retained earnings to average equity (ytd only) | 3.7762% | 3,994 |
| Net charge-offs to loans | 0.0474% | 4,229 |
| Credit loss provision to net charge-offs | 462.7345% | 578 |
| Earnings coverage of net charge-offs (x) | 123.5472% | 424 |
| Efficiency ratio | 39.8779% | 6,756 |
| Assets per employee ($millions) | 6.5159% | 929 |
| Cash dividends to net income (ytd only)* | 59.6187% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 5,847 |
| Loan loss allowance to noncurrent loans | 1,144.0328% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 6,200 |
| Noncurrent loans to loans | 0.0847% | 6,079 |
| Net loans and leases to total assets | 38.1508% | 6,165 |
| Net loans and leases to deposits | 49.1245% | 5,894 |
| Net loans and leases to core deposits | 51.5241% | 5,918 |
| Total domestic deposits to total assets | 77.6613% | 5,952 |
| Equity capital to assets | 15.2829% | 665 |
| Core capital (leverage) ratio | 7.2527% | 6,527 |
| Tier 1 risk-based capital ratio | 14.5219% | 4,061 |
| Total risk-based capital ratio | 15.3319% | 4,314 |
| Memoranda: | ||
| Average total assets | $15,494,199,000 | 78 |
| Average earning assets | $13,480,823,000 | 82 |
| Average equity | $2,307,809,250 | 64 |
| Average total loans | $5,699,508,500 | 119 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7128% | 5,108 |
| Cost of funding earning assets | 0.2906% | 5,898 |
| Net interest margin | 3.4222% | 4,103 |
| Noninterest income to average assets | 0.6224% | 3,062 |
| Noninterest expense to average assets | 1.4853% | 6,684 |
| Loan and lease loss provision to assets | 0.0699% | 3,639 |
| Net operating income to assets | 1.3779% | 1,123 |
| Return on assets (ROA) | 1.3779% | 1,210 |
| Pretax return on assets | 2.0470% | 549 |
| Return on Equity (ROE) | 9.3358% | 2,476 |
| Retained earnings to average equity (ytd only) | 1.8121% | 5,109 |
| Net charge-offs to loans | 0.0628% | 3,806 |
| Credit loss provision to net charge-offs | 307.8251% | 835 |
| Earnings coverage of net charge-offs (x) | 93.2365% | 496 |
| Efficiency ratio | 40.1098% | 6,797 |
| Assets per employee ($millions) | 6.5160% | 894 |
| Cash dividends to net income (ytd only)* | 80.5901% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 6,105 |
| Loan loss allowance to noncurrent loans | 968.8858% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 6,199 |
| Noncurrent loans to loans | 0.0939% | 6,120 |
| Net loans and leases to total assets | 37.6064% | 6,202 |
| Net loans and leases to deposits | 48.8743% | 5,928 |
| Net loans and leases to core deposits | 51.1230% | 5,953 |
| Total domestic deposits to total assets | 76.9451% | 6,135 |
| Equity capital to assets | 14.8090% | 752 |
| Core capital (leverage) ratio | 6.9573% | 6,623 |
| Tier 1 risk-based capital ratio | 13.9275% | 4,470 |
| Total risk-based capital ratio | 14.6880% | 4,773 |
| Memoranda: | ||
| Average total assets | $15,309,388,670 | 79 |
| Average earning assets | $13,330,276,670 | 82 |
| Average equity | $2,259,513,330 | 65 |
| Average total loans | $5,538,482,000 | 122 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6608% | 5,283 |
| Cost of funding earning assets | 0.2897% | 6,045 |
| Net interest margin | 3.3711% | 4,230 |
| Noninterest income to average assets | 0.6147% | 3,054 |
| Noninterest expense to average assets | 1.4528% | 6,780 |
| Loan and lease loss provision to assets | 0.0755% | 3,369 |
| Net operating income to assets | 1.3636% | 1,118 |
| Return on assets (ROA) | 1.3636% | 1,207 |
| Pretax return on assets | 2.0198% | 573 |
| Return on Equity (ROE) | 9.2566% | 2,375 |
| Retained earnings to average equity (ytd only) | 6.8767% | 2,218 |
| Net charge-offs to loans | 0.0241% | 3,698 |
| Credit loss provision to net charge-offs | 888.8889% | 343 |
| Earnings coverage of net charge-offs (x) | 246.6444% | 158 |
| Efficiency ratio | 39.6117% | 6,879 |
| Assets per employee ($millions) | 6.5396% | 970 |
| Cash dividends to net income (ytd only)* | 25.7100% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 5,808 |
| Loan loss allowance to noncurrent loans | 673.7119% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 6,210 |
| Noncurrent loans to loans | 0.1553% | 6,005 |
| Net loans and leases to total assets | 34.5500% | 6,391 |
| Net loans and leases to deposits | 44.4401% | 6,169 |
| Net loans and leases to core deposits | 46.4624% | 6,187 |
| Total domestic deposits to total assets | 77.7451% | 6,152 |
| Equity capital to assets | 14.6900% | 830 |
| Core capital (leverage) ratio | 6.9819% | 6,646 |
| Tier 1 risk-based capital ratio | 14.5357% | 4,150 |
| Total risk-based capital ratio | 15.3795% | 4,365 |
| Memoranda: | ||
| Average total assets | $14,832,078,000 | 83 |
| Average earning assets | $12,906,218,000 | 84 |
| Average equity | $2,184,997,500 | 66 |
| Average total loans | $5,221,481,500 | 129 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 5,077 |
| Cost of funding earning assets | 0.3532% | 6,187 |
| Net interest margin | 3.7131% | 3,591 |
| Noninterest income to average assets | 0.6149% | 3,202 |
| Noninterest expense to average assets | 1.6121% | 6,793 |
| Loan and lease loss provision to assets | 0.0511% | 5,176 |
| Net operating income to assets | 1.4418% | 1,020 |
| Return on assets (ROA) | 1.4418% | 1,144 |
| Pretax return on assets | 2.1627% | 445 |
| Return on Equity (ROE) | 9.2912% | 2,490 |
| Retained earnings to average equity (ytd only) | -3.0319% | 6,268 |
| Net charge-offs to loans | 0.1174% | 4,517 |
| Credit loss provision to net charge-offs | 118.9084% | 2,416 |
| Earnings coverage of net charge-offs (x) | 51.5505% | 668 |
| Efficiency ratio | 40.5554% | 6,919 |
| Assets per employee ($millions) | 6.4388% | 1,032 |
| Cash dividends to net income (ytd only)* | 132.6324% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 5,916 |
| Loan loss allowance to noncurrent loans | 795.2194% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 6,353 |
| Noncurrent loans to loans | 0.1276% | 6,163 |
| Net loans and leases to total assets | 35.1421% | 6,487 |
| Net loans and leases to deposits | 43.9722% | 6,371 |
| Net loans and leases to core deposits | 45.9808% | 6,374 |
| Total domestic deposits to total assets | 79.9187% | 5,691 |
| Equity capital to assets | 14.7745% | 795 |
| Core capital (leverage) ratio | 6.9863% | 6,708 |
| Tier 1 risk-based capital ratio | 14.1880% | 4,252 |
| Total risk-based capital ratio | 15.0099% | 4,513 |
| Memoranda: | ||
| Average total assets | $11,946,085,200 | 99 |
| Average earning assets | $10,330,506,200 | 101 |
| Average equity | $1,853,827,800 | 75 |
| Average total loans | $4,370,028,400 | 136 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 5,083 |
| Cost of funding earning assets | 0.3789% | 6,237 |
| Net interest margin | 3.7504% | 3,552 |
| Noninterest income to average assets | 0.5884% | 3,355 |
| Noninterest expense to average assets | 1.6137% | 6,865 |
| Loan and lease loss provision to assets | 0.0301% | 5,406 |
| Net operating income to assets | 1.4558% | 1,112 |
| Return on assets (ROA) | 1.4558% | 1,233 |
| Pretax return on assets | 2.1893% | 488 |
| Return on Equity (ROE) | 9.2383% | 2,699 |
| Retained earnings to average equity (ytd only) | -7.1321% | 6,720 |
| Net charge-offs to loans | 0.1029% | 4,365 |
| Credit loss provision to net charge-offs | 79.2664% | 3,644 |
| Earnings coverage of net charge-offs (x) | 58.3941% | 666 |
| Efficiency ratio | 40.4663% | 7,005 |
| Assets per employee ($millions) | 6.0674% | 1,214 |
| Cash dividends to net income (ytd only)* | 177.2019% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 6,067 |
| Loan loss allowance to noncurrent loans | 946.5985% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 6,466 |
| Noncurrent loans to loans | 0.1059% | 6,352 |
| Net loans and leases to total assets | 36.6693% | 6,509 |
| Net loans and leases to deposits | 45.8146% | 6,400 |
| Net loans and leases to core deposits | 47.8905% | 6,423 |
| Total domestic deposits to total assets | 80.0384% | 5,643 |
| Equity capital to assets | 15.2527% | 762 |
| Core capital (leverage) ratio | 6.6809% | 6,847 |
| Tier 1 risk-based capital ratio | 13.9894% | 4,532 |
| Total risk-based capital ratio | 14.8214% | 4,801 |
| Memoranda: | ||
| Average total assets | $11,285,001,250 | 103 |
| Average earning assets | $9,763,628,750 | 103 |
| Average equity | $1,778,368,000 | 78 |
| Average total loans | $4,167,550,750 | 143 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 5,413 |
| Cost of funding earning assets | 0.3901% | 6,326 |
| Net interest margin | 3.6816% | 3,915 |
| Noninterest income to average assets | 0.5107% | 3,855 |
| Noninterest expense to average assets | 1.4898% | 7,012 |
| Loan and lease loss provision to assets | 0.0143% | 5,481 |
| Net operating income to assets | 1.4491% | 1,087 |
| Return on assets (ROA) | 1.4491% | 1,219 |
| Pretax return on assets | 2.1930% | 487 |
| Return on Equity (ROE) | 9.0684% | 2,788 |
| Retained earnings to average equity (ytd only) | 7.0552% | 2,074 |
| Net charge-offs to loans | 0.1016% | 4,143 |
| Credit loss provision to net charge-offs | 38.2263% | 4,305 |
| Earnings coverage of net charge-offs (x) | 58.9292% | 645 |
| Efficiency ratio | 38.5980% | 7,087 |
| Assets per employee ($millions) | 6.4400% | 993 |
| Cash dividends to net income (ytd only)* | 22.1997% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 5,013 |
| Loan loss allowance to noncurrent loans | 3,100.4308% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 6,518 |
| Noncurrent loans to loans | 0.0411% | 6,576 |
| Net loans and leases to total assets | 36.3495% | 6,597 |
| Net loans and leases to deposits | 46.4406% | 6,408 |
| Net loans and leases to core deposits | 48.3068% | 6,440 |
| Total domestic deposits to total assets | 78.2711% | 6,105 |
| Equity capital to assets | 15.9479% | 591 |
| Core capital (leverage) ratio | 7.5576% | 6,598 |
| Tier 1 risk-based capital ratio | 16.1439% | 3,099 |
| Total risk-based capital ratio | 17.2243% | 3,147 |
| Memoranda: | ||
| Average total assets | $10,475,922,670 | 108 |
| Average earning assets | $9,066,985,330 | 108 |
| Average equity | $1,673,996,330 | 81 |
| Average total loans | $3,863,700,000 | 152 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 5,457 |
| Cost of funding earning assets | 0.4081% | 6,371 |
| Net interest margin | 3.6920% | 3,869 |
| Noninterest income to average assets | 0.5229% | 3,759 |
| Noninterest expense to average assets | 1.4979% | 7,065 |
| Loan and lease loss provision to assets | 0.0058% | 5,201 |
| Net operating income to assets | 1.4603% | 1,100 |
| Return on assets (ROA) | 1.4603% | 1,229 |
| Pretax return on assets | 2.2098% | 525 |
| Return on Equity (ROE) | 9.1293% | 2,771 |
| Retained earnings to average equity (ytd only) | 6.9547% | 2,459 |
| Net charge-offs to loans | 0.0107% | 4,570 |
| Credit loss provision to net charge-offs | 147.0588% | 1,695 |
| Earnings coverage of net charge-offs (x) | 562.0000% | 43 |
| Efficiency ratio | 38.5737% | 7,136 |
| Assets per employee ($millions) | 6.4394% | 1,014 |
| Cash dividends to net income (ytd only)* | 23.8202% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 4,870 |
| Loan loss allowance to noncurrent loans | 723.1900% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 6,549 |
| Noncurrent loans to loans | 0.1843% | 6,316 |
| Net loans and leases to total assets | 35.1317% | 6,681 |
| Net loans and leases to deposits | 44.7157% | 6,517 |
| Net loans and leases to core deposits | 46.6666% | 6,528 |
| Total domestic deposits to total assets | 78.5670% | 6,172 |
| Equity capital to assets | 15.3988% | 680 |
| Core capital (leverage) ratio | 7.5334% | 6,613 |
| Tier 1 risk-based capital ratio | 15.4114% | 3,496 |
| Total risk-based capital ratio | 16.5189% | 3,538 |
| Memoranda: | ||
| Average total assets | $10,349,371,500 | 108 |
| Average earning assets | $8,943,891,000 | 108 |
| Average equity | $1,655,467,000 | 80 |
| Average total loans | $3,820,384,000 | 151 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5089% | 5,042 |
| Cost of funding earning assets | 0.5137% | 6,476 |
| Net interest margin | 3.9951% | 2,907 |
| Noninterest income to average assets | 0.5704% | 3,362 |
| Noninterest expense to average assets | 1.6419% | 7,087 |
| Loan and lease loss provision to assets | 0.0539% | 5,918 |
| Net operating income to assets | 1.5203% | 789 |
| Return on assets (ROA) | 1.5163% | 863 |
| Pretax return on assets | 2.2876% | 310 |
| Return on Equity (ROE) | 9.2612% | 2,338 |
| Retained earnings to average equity (ytd only) | 6.9938% | 1,508 |
| Net charge-offs to loans | 0.1424% | 5,006 |
| Credit loss provision to net charge-offs | 100.1927% | 3,492 |
| Earnings coverage of net charge-offs (x) | 43.6179% | 627 |
| Efficiency ratio | 39.1342% | 7,224 |
| Assets per employee ($millions) | 5.8992% | 1,304 |
| Cash dividends to net income (ytd only)* | 24.4827% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 4,596 |
| Loan loss allowance to noncurrent loans | 1,442.3819% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 6,652 |
| Noncurrent loans to loans | 0.0950% | 6,573 |
| Net loans and leases to total assets | 37.8385% | 6,656 |
| Net loans and leases to deposits | 46.0559% | 6,626 |
| Net loans and leases to core deposits | 48.3895% | 6,618 |
| Total domestic deposits to total assets | 82.1578% | 5,076 |
| Equity capital to assets | 16.6577% | 497 |
| Core capital (leverage) ratio | 7.7481% | 6,496 |
| Tier 1 risk-based capital ratio | 15.6230% | 3,253 |
| Total risk-based capital ratio | 16.8081% | 3,245 |
| Memoranda: | ||
| Average total assets | $9,643,315,800 | 110 |
| Average earning assets | $8,252,631,400 | 116 |
| Average equity | $1,578,907,200 | 85 |
| Average total loans | $3,645,345,400 | 155 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5840% | 4,925 |
| Cost of funding earning assets | 0.5428% | 6,537 |
| Net interest margin | 4.0412% | 2,727 |
| Noninterest income to average assets | 0.5756% | 3,331 |
| Noninterest expense to average assets | 1.6878% | 7,104 |
| Loan and lease loss provision to assets | 0.0562% | 5,738 |
| Net operating income to assets | 1.5149% | 903 |
| Return on assets (ROA) | 1.5096% | 998 |
| Pretax return on assets | 2.2813% | 369 |
| Return on Equity (ROE) | 9.2609% | 2,477 |
| Retained earnings to average equity (ytd only) | 7.0456% | 1,946 |
| Net charge-offs to loans | 0.1151% | 4,867 |
| Credit loss provision to net charge-offs | 129.7661% | 2,448 |
| Earnings coverage of net charge-offs (x) | 54.1137% | 603 |
| Efficiency ratio | 39.8135% | 7,264 |
| Assets per employee ($millions) | 5.6971% | 1,425 |
| Cash dividends to net income (ytd only)* | 23.9208% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 4,540 |
| Loan loss allowance to noncurrent loans | 1,024.8439% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 6,692 |
| Noncurrent loans to loans | 0.1371% | 6,596 |
| Net loans and leases to total assets | 38.5483% | 6,741 |
| Net loans and leases to deposits | 47.2352% | 6,671 |
| Net loans and leases to core deposits | 50.0510% | 6,668 |
| Total domestic deposits to total assets | 81.6092% | 5,219 |
| Equity capital to assets | 16.8387% | 501 |
| Core capital (leverage) ratio | 7.5642% | 6,728 |
| Tier 1 risk-based capital ratio | 15.1945% | 3,550 |
| Total risk-based capital ratio | 16.4210% | 3,534 |
| Memoranda: | ||
| Average total assets | $9,600,088,500 | 109 |
| Average earning assets | $8,214,240,750 | 115 |
| Average equity | $1,564,844,000 | 85 |
| Average total loans | $3,615,205,250 | 155 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 4,952 |
| Cost of funding earning assets | 0.5691% | 6,591 |
| Net interest margin | 4.0324% | 2,690 |
| Noninterest income to average assets | 0.5673% | 3,354 |
| Noninterest expense to average assets | 1.7002% | 7,178 |
| Loan and lease loss provision to assets | 0.0645% | 5,498 |
| Net operating income to assets | 1.4904% | 908 |
| Return on assets (ROA) | 1.4825% | 980 |
| Pretax return on assets | 2.2390% | 385 |
| Return on Equity (ROE) | 9.1953% | 2,436 |
| Retained earnings to average equity (ytd only) | 6.8209% | 1,960 |
| Net charge-offs to loans | 0.1540% | 4,257 |
| Credit loss provision to net charge-offs | 112.6453% | 2,724 |
| Earnings coverage of net charge-offs (x) | 40.4444% | 738 |
| Efficiency ratio | 40.2775% | 7,336 |
| Assets per employee ($millions) | 5.7617% | 1,334 |
| Cash dividends to net income (ytd only)* | 25.8217% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4169% | 4,489 |
| Loan loss allowance to noncurrent loans | 1,358.0544% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 6,760 |
| Noncurrent loans to loans | 0.1043% | 6,713 |
| Net loans and leases to total assets | 37.4404% | 6,890 |
| Net loans and leases to deposits | 47.1007% | 6,772 |
| Net loans and leases to core deposits | 50.0371% | 6,754 |
| Total domestic deposits to total assets | 79.4902% | 5,953 |
| Equity capital to assets | 16.3664% | 564 |
| Core capital (leverage) ratio | 7.0932% | 6,957 |
| Tier 1 risk-based capital ratio | 14.4325% | 3,838 |
| Total risk-based capital ratio | 15.6438% | 3,842 |
| Memoranda: | ||
| Average total assets | $9,613,536,330 | 111 |
| Average earning assets | $8,221,357,670 | 115 |
| Average equity | $1,549,880,330 | 87 |
| Average total loans | $3,574,397,000 | 161 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 5,112 |
| Cost of funding earning assets | 0.5830% | 6,680 |
| Net interest margin | 3.9798% | 2,772 |
| Noninterest income to average assets | 0.5635% | 3,414 |
| Noninterest expense to average assets | 1.6914% | 7,237 |
| Loan and lease loss provision to assets | 0.0709% | 5,116 |
| Net operating income to assets | 1.4639% | 950 |
| Return on assets (ROA) | 1.4639% | 989 |
| Pretax return on assets | 2.2001% | 404 |
| Return on Equity (ROE) | 9.1500% | 2,405 |
| Retained earnings to average equity (ytd only) | 5.1112% | 3,112 |
| Net charge-offs to loans | 0.1727% | 3,453 |
| Credit loss provision to net charge-offs | 111.5486% | 2,401 |
| Earnings coverage of net charge-offs (x) | 35.7441% | 734 |
| Efficiency ratio | 40.5461% | 7,378 |
| Assets per employee ($millions) | 5.8117% | 1,332 |
| Cash dividends to net income (ytd only)* | 44.1407% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 4,442 |
| Loan loss allowance to noncurrent loans | 2,198.8105% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 6,835 |
| Noncurrent loans to loans | 0.0659% | 6,878 |
| Net loans and leases to total assets | 36.2362% | 6,990 |
| Net loans and leases to deposits | 44.9989% | 6,914 |
| Net loans and leases to core deposits | 47.4622% | 6,902 |
| Total domestic deposits to total assets | 80.5268% | 5,809 |
| Equity capital to assets | 15.8953% | 593 |
| Core capital (leverage) ratio | 6.7892% | 7,082 |
| Tier 1 risk-based capital ratio | 13.6231% | 4,338 |
| Total risk-based capital ratio | 14.8314% | 4,337 |
| Memoranda: | ||
| Average total assets | $9,594,883,000 | 112 |
| Average earning assets | $8,194,329,000 | 116 |
| Average equity | $1,535,075,000 | 87 |
| Average total loans | $3,528,971,500 | 163 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 5,115 |
| Cost of funding earning assets | 0.8199% | 6,484 |
| Net interest margin | 4.0598% | 2,753 |
| Noninterest income to average assets | 0.5840% | 3,568 |
| Noninterest expense to average assets | 1.7503% | 7,304 |
| Loan and lease loss provision to assets | 0.1465% | 5,722 |
| Net operating income to assets | 1.4236% | 896 |
| Return on assets (ROA) | 1.4236% | 965 |
| Pretax return on assets | 2.1384% | 366 |
| Return on Equity (ROE) | 8.9392% | 2,322 |
| Retained earnings to average equity (ytd only) | 7.0839% | 1,285 |
| Net charge-offs to loans | 0.4066% | 4,012 |
| Credit loss provision to net charge-offs | 97.9876% | 4,723 |
| Earnings coverage of net charge-offs (x) | 15.2834% | 1,288 |
| Efficiency ratio | 40.9668% | 7,490 |
| Assets per employee ($millions) | 5.5460% | 1,535 |
| Cash dividends to net income (ytd only)* | 20.7549% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 4,121 |
| Loan loss allowance to noncurrent loans | 1,114.6067% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 6,815 |
| Noncurrent loans to loans | 0.1328% | 6,806 |
| Net loans and leases to total assets | 36.2463% | 7,149 |
| Net loans and leases to deposits | 46.0149% | 7,043 |
| Net loans and leases to core deposits | 48.1912% | 7,060 |
| Total domestic deposits to total assets | 78.7709% | 6,143 |
| Equity capital to assets | 16.1052% | 568 |
| Core capital (leverage) ratio | 6.7233% | 7,136 |
| Tier 1 risk-based capital ratio | 13.3694% | 4,315 |
| Total risk-based capital ratio | 14.5960% | 4,295 |
| Memoranda: | ||
| Average total assets | $9,273,407,600 | 117 |
| Average earning assets | $7,883,309,800 | 123 |
| Average equity | $1,476,825,000 | 85 |
| Average total loans | $3,409,793,600 | 162 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 4,954 |
| Cost of funding earning assets | 0.8858% | 6,453 |
| Net interest margin | 4.0834% | 2,694 |
| Noninterest income to average assets | 0.5812% | 3,573 |
| Noninterest expense to average assets | 1.7678% | 7,366 |
| Loan and lease loss provision to assets | 0.1545% | 5,495 |
| Net operating income to assets | 1.4184% | 1,076 |
| Return on assets (ROA) | 1.4184% | 1,148 |
| Pretax return on assets | 2.1301% | 474 |
| Return on Equity (ROE) | 8.9323% | 2,511 |
| Retained earnings to average equity (ytd only) | 7.2573% | 1,721 |
| Net charge-offs to loans | 0.4401% | 3,538 |
| Credit loss provision to net charge-offs | 95.4529% | 4,547 |
| Earnings coverage of net charge-offs (x) | 14.1188% | 1,537 |
| Efficiency ratio | 41.1819% | 7,548 |
| Assets per employee ($millions) | 5.3711% | 1,748 |
| Cash dividends to net income (ytd only)* | 18.7522% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5043% | 3,935 |
| Loan loss allowance to noncurrent loans | 551.8375% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 6,804 |
| Noncurrent loans to loans | 0.2726% | 6,643 |
| Net loans and leases to total assets | 36.4181% | 7,248 |
| Net loans and leases to deposits | 44.8592% | 7,209 |
| Net loans and leases to core deposits | 46.9814% | 7,232 |
| Total domestic deposits to total assets | 81.1831% | 5,310 |
| Equity capital to assets | 16.2877% | 619 |
| Core capital (leverage) ratio | 6.3227% | 7,379 |
| Tier 1 risk-based capital ratio | 12.9718% | 4,599 |
| Total risk-based capital ratio | 14.2158% | 4,584 |
| Memoranda: | ||
| Average total assets | $9,223,629,250 | 116 |
| Average earning assets | $7,840,790,250 | 121 |
| Average equity | $1,464,639,750 | 84 |
| Average total loans | $3,390,986,250 | 167 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9982% | 4,948 |
| Cost of funding earning assets | 0.9301% | 6,465 |
| Net interest margin | 4.0681% | 2,708 |
| Noninterest income to average assets | 0.5711% | 3,535 |
| Noninterest expense to average assets | 1.7506% | 7,457 |
| Loan and lease loss provision to assets | 0.1667% | 5,217 |
| Net operating income to assets | 1.4073% | 1,081 |
| Return on assets (ROA) | 1.4073% | 1,140 |
| Pretax return on assets | 2.1129% | 479 |
| Return on Equity (ROE) | 8.9394% | 2,496 |
| Retained earnings to average equity (ytd only) | 7.3549% | 1,690 |
| Net charge-offs to loans | 0.4032% | 3,369 |
| Credit loss provision to net charge-offs | 112.6668% | 3,609 |
| Earnings coverage of net charge-offs (x) | 15.4077% | 1,459 |
| Efficiency ratio | 40.9776% | 7,626 |
| Assets per employee ($millions) | 5.4777% | 1,636 |
| Cash dividends to net income (ytd only)* | 17.7248% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 3,715 |
| Loan loss allowance to noncurrent loans | 581.7189% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 6,836 |
| Noncurrent loans to loans | 0.2646% | 6,702 |
| Net loans and leases to total assets | 35.1196% | 7,382 |
| Net loans and leases to deposits | 43.1351% | 7,348 |
| Net loans and leases to core deposits | 45.3050% | 7,376 |
| Total domestic deposits to total assets | 81.4178% | 5,234 |
| Equity capital to assets | 15.3946% | 799 |
| Core capital (leverage) ratio | 5.9744% | 7,483 |
| Tier 1 risk-based capital ratio | 12.0563% | 5,262 |
| Total risk-based capital ratio | 13.3049% | 5,231 |
| Memoranda: | ||
| Average total assets | $9,220,522,670 | 117 |
| Average earning assets | $7,840,246,000 | 121 |
| Average equity | $1,451,575,670 | 83 |
| Average total loans | $3,383,375,330 | 164 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0431% | 4,819 |
| Cost of funding earning assets | 0.9519% | 6,573 |
| Net interest margin | 4.0912% | 2,477 |
| Noninterest income to average assets | 0.5771% | 3,438 |
| Noninterest expense to average assets | 1.7145% | 7,562 |
| Loan and lease loss provision to assets | 0.1954% | 4,550 |
| Net operating income to assets | 1.4209% | 1,034 |
| Return on assets (ROA) | 1.4209% | 1,105 |
| Pretax return on assets | 2.1370% | 469 |
| Return on Equity (ROE) | 8.9206% | 2,526 |
| Retained earnings to average equity (ytd only) | 7.8916% | 1,753 |
| Net charge-offs to loans | 0.5210% | 2,502 |
| Credit loss provision to net charge-offs | 100.6849% | 3,366 |
| Earnings coverage of net charge-offs (x) | 12.0205% | 1,598 |
| Efficiency ratio | 39.8603% | 7,737 |
| Assets per employee ($millions) | 5.7914% | 1,411 |
| Cash dividends to net income (ytd only)* | 11.5355% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 3,664 |
| Loan loss allowance to noncurrent loans | 780.6981% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 6,928 |
| Noncurrent loans to loans | 0.1985% | 6,945 |
| Net loans and leases to total assets | 35.7765% | 7,431 |
| Net loans and leases to deposits | 43.3526% | 7,423 |
| Net loans and leases to core deposits | 45.7130% | 7,440 |
| Total domestic deposits to total assets | 82.5245% | 4,838 |
| Equity capital to assets | 15.7696% | 710 |
| Core capital (leverage) ratio | 6.4930% | 7,470 |
| Tier 1 risk-based capital ratio | 12.5871% | 4,651 |
| Total risk-based capital ratio | 13.8373% | 4,620 |
| Memoranda: | ||
| Average total assets | $9,029,602,500 | 120 |
| Average earning assets | $7,658,035,500 | 120 |
| Average equity | $1,438,241,000 | 81 |
| Average total loans | $3,362,543,000 | 167 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4209% | 4,584 |
| Cost of funding earning assets | 1.3863% | 5,988 |
| Net interest margin | 4.0346% | 2,721 |
| Noninterest income to average assets | 0.7285% | 2,795 |
| Noninterest expense to average assets | 1.8735% | 7,535 |
| Loan and lease loss provision to assets | 0.3234% | 4,874 |
| Net operating income to assets | 1.2989% | 1,039 |
| Return on assets (ROA) | 1.2989% | 1,084 |
| Pretax return on assets | 1.9579% | 442 |
| Return on Equity (ROE) | 8.4237% | 2,228 |
| Retained earnings to average equity (ytd only) | 6.6382% | 1,101 |
| Net charge-offs to loans | 0.4012% | 4,220 |
| Credit loss provision to net charge-offs | 207.2828% | 1,852 |
| Earnings coverage of net charge-offs (x) | 14.6230% | 1,360 |
| Efficiency ratio | 42.3682% | 7,812 |
| Assets per employee ($millions) | 5.5490% | 1,603 |
| Cash dividends to net income (ytd only)* | 21.1967% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,546 |
| Loan loss allowance to noncurrent loans | 616.6092% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 7,010 |
| Noncurrent loans to loans | 0.2491% | 6,799 |
| Net loans and leases to total assets | 37.5897% | 7,461 |
| Net loans and leases to deposits | 45.7822% | 7,453 |
| Net loans and leases to core deposits | 55.0458% | 7,438 |
| Total domestic deposits to total assets | 82.1054% | 4,902 |
| Equity capital to assets | 16.0931% | 687 |
| Core capital (leverage) ratio | 6.3072% | 7,550 |
| Tier 1 risk-based capital ratio | 12.2999% | 4,682 |
| Total risk-based capital ratio | 13.5503% | 4,645 |
| Memoranda: | ||
| Average total assets | $8,898,499,200 | 118 |
| Average earning assets | $7,556,781,600 | 120 |
| Average equity | $1,372,126,800 | 86 |
| Average total loans | $3,460,518,800 | 167 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4528% | 4,675 |
| Cost of funding earning assets | 1.4904% | 5,860 |
| Net interest margin | 3.9624% | 2,985 |
| Noninterest income to average assets | 0.7361% | 2,788 |
| Noninterest expense to average assets | 1.9091% | 7,534 |
| Loan and lease loss provision to assets | 0.3033% | 4,546 |
| Net operating income to assets | 1.2571% | 1,326 |
| Return on assets (ROA) | 1.2571% | 1,387 |
| Pretax return on assets | 1.8944% | 665 |
| Return on Equity (ROE) | 8.2417% | 2,538 |
| Retained earnings to average equity (ytd only) | 5.8386% | 2,022 |
| Net charge-offs to loans | 0.3804% | 3,750 |
| Credit loss provision to net charge-offs | 204.1176% | 2,181 |
| Earnings coverage of net charge-offs (x) | 14.7890% | 1,575 |
| Efficiency ratio | 43.7047% | 7,846 |
| Assets per employee ($millions) | 5.5659% | 1,554 |
| Cash dividends to net income (ytd only)* | 29.1583% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 4,006 |
| Loan loss allowance to noncurrent loans | 536.5998% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.2408% | 6,917 |
| Noncurrent loans to loans | 0.2589% | 6,864 |
| Net loans and leases to total assets | 37.5288% | 7,569 |
| Net loans and leases to deposits | 47.1205% | 7,538 |
| Net loans and leases to core deposits | 57.4655% | 7,490 |
| Total domestic deposits to total assets | 79.6443% | 5,578 |
| Equity capital to assets | 15.5579% | 878 |
| Core capital (leverage) ratio | 5.8481% | 7,827 |
| Tier 1 risk-based capital ratio | 11.3804% | 5,555 |
| Total risk-based capital ratio | 12.5402% | 5,589 |
| Memoranda: | ||
| Average total assets | $8,911,852,000 | 122 |
| Average earning assets | $7,581,171,000 | 125 |
| Average equity | $1,359,295,750 | 89 |
| Average total loans | $3,481,472,750 | 176 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5122% | 4,557 |
| Cost of funding earning assets | 1.4929% | 6,169 |
| Net interest margin | 4.0193% | 2,621 |
| Noninterest income to average assets | 0.6600% | 3,266 |
| Noninterest expense to average assets | 1.9560% | 7,544 |
| Loan and lease loss provision to assets | 0.2927% | 4,224 |
| Net operating income to assets | 1.2110% | 1,445 |
| Return on assets (ROA) | 1.2110% | 1,528 |
| Pretax return on assets | 1.8253% | 809 |
| Return on Equity (ROE) | 7.9930% | 2,771 |
| Retained earnings to average equity (ytd only) | 6.5096% | 1,793 |
| Net charge-offs to loans | 0.4212% | 3,115 |
| Credit loss provision to net charge-offs | 176.3949% | 2,596 |
| Earnings coverage of net charge-offs (x) | 12.7633% | 1,788 |
| Efficiency ratio | 45.1674% | 7,882 |
| Assets per employee ($millions) | 5.4063% | 1,662 |
| Cash dividends to net income (ytd only)* | 18.5587% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2346% | 4,712 |
| Loan loss allowance to noncurrent loans | 525.0893% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 6,961 |
| Noncurrent loans to loans | 0.2351% | 6,926 |
| Net loans and leases to total assets | 38.5866% | 7,617 |
| Net loans and leases to deposits | 46.9422% | 7,602 |
| Net loans and leases to core deposits | 57.7369% | 7,527 |
| Total domestic deposits to total assets | 82.2002% | 4,604 |
| Equity capital to assets | 15.5372% | 922 |
| Core capital (leverage) ratio | 5.6632% | 7,967 |
| Tier 1 risk-based capital ratio | 10.9742% | 5,898 |
| Total risk-based capital ratio | 12.0179% | 6,053 |
| Memoranda: | ||
| Average total assets | $8,899,137,000 | 126 |
| Average earning assets | $7,559,041,000 | 128 |
| Average equity | $1,348,250,330 | 95 |
| Average total loans | $3,506,584,670 | 181 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5700% | 4,525 |
| Cost of funding earning assets | 1.5977% | 6,038 |
| Net interest margin | 3.9723% | 2,764 |
| Noninterest income to average assets | 0.6555% | 3,170 |
| Noninterest expense to average assets | 1.9417% | 7,461 |
| Loan and lease loss provision to assets | 0.2743% | 3,772 |
| Net operating income to assets | 1.1857% | 1,695 |
| Return on assets (ROA) | 1.1857% | 1,804 |
| Pretax return on assets | 1.8108% | 959 |
| Return on Equity (ROE) | 7.9263% | 3,179 |
| Retained earnings to average equity (ytd only) | 4.9326% | 3,170 |
| Net charge-offs to loans | 0.4365% | 2,363 |
| Credit loss provision to net charge-offs | 158.8022% | 2,663 |
| Earnings coverage of net charge-offs (x) | 12.0716% | 1,828 |
| Efficiency ratio | 45.2562% | 7,880 |
| Assets per employee ($millions) | 5.2217% | 1,830 |
| Cash dividends to net income (ytd only)* | 37.7701% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 5,322 |
| Loan loss allowance to noncurrent loans | 1,179.0264% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 7,153 |
| Noncurrent loans to loans | 0.0951% | 7,253 |
| Net loans and leases to total assets | 39.3718% | 7,600 |
| Net loans and leases to deposits | 47.9221% | 7,579 |
| Net loans and leases to core deposits | 59.0036% | 7,494 |
| Total domestic deposits to total assets | 82.1579% | 4,488 |
| Equity capital to assets | 15.3202% | 1,007 |
| Core capital (leverage) ratio | 5.2528% | 8,103 |
| Tier 1 risk-based capital ratio | 10.0953% | 6,813 |
| Total risk-based capital ratio | 11.0418% | 7,053 |
| Memoranda: | ||
| Average total assets | $8,931,744,000 | 127 |
| Average earning assets | $7,580,411,000 | 129 |
| Average equity | $1,336,103,500 | 96 |
| Average total loans | $3,534,217,500 | 183 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9716% | 5,691 |
| Cost of funding earning assets | 1.9427% | 6,606 |
| Net interest margin | 4.0290% | 2,985 |
| Noninterest income to average assets | 0.7135% | 3,034 |
| Noninterest expense to average assets | 1.7896% | 7,766 |
| Loan and lease loss provision to assets | 0.1391% | 5,577 |
| Net operating income to assets | 1.4035% | 1,218 |
| Return on assets (ROA) | 1.2710% | 1,513 |
| Pretax return on assets | 1.9010% | 763 |
| Return on Equity (ROE) | 7.1622% | 3,446 |
| Retained earnings to average equity (ytd only) | 2.1568% | 3,884 |
| Net charge-offs to loans | 0.2319% | 3,921 |
| Credit loss provision to net charge-offs | 129.4712% | 4,113 |
| Earnings coverage of net charge-offs (x) | 20.8272% | 1,557 |
| Efficiency ratio | 41.0050% | 8,107 |
| Assets per employee ($millions) | 6.7187% | 801 |
| Cash dividends to net income (ytd only)* | 69.8859% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 5,739 |
| Loan loss allowance to noncurrent loans | 433.9202% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 7,005 |
| Noncurrent loans to loans | 0.2388% | 6,668 |
| Net loans and leases to total assets | 38.9204% | 7,717 |
| Net loans and leases to deposits | 48.1187% | 7,703 |
| Net loans and leases to core deposits | 59.5578% | 7,601 |
| Total domestic deposits to total assets | 80.8841% | 4,690 |
| Equity capital to assets | 14.6089% | 1,274 |
| Core capital (leverage) ratio | 5.4762% | 8,165 |
| Tier 1 risk-based capital ratio | 9.5693% | 7,233 |
| Total risk-based capital ratio | 10.4399% | 7,583 |
| Memoranda: | ||
| Average total assets | $7,092,548,800 | 144 |
| Average earning assets | $5,834,048,800 | 151 |
| Average equity | $1,258,654,400 | 95 |
| Average total loans | $3,286,735,600 | 190 |